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Union State Bank of Hazen, 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	4.3937%	3,286
Cost of funding earning assets	1.5230%	1,885
Net interest margin	2.8707%	3,535
Noninterest income to average assets	0.3400%	2,844
Noninterest expense to average assets	2.5276%	2,224
Loan and lease loss provision to assets	0.0500%	2,105
Net operating income to assets	0.4247%	3,816
Return on assets (ROA)	0.2982%	4,026
Pretax return on assets	0.2982%	4,091
Return on Equity (ROE)	4.9700%	3,728
Retained earnings to average equity (ytd only)	1.4709%	3,717
Net charge-offs to loans	-0.0887%	4,478
Credit loss provision to net charge-offs	0.0000%	2,397
Earnings coverage of net charge-offs (x)	0.0000%	2,831
Efficiency ratio	83.4860%	690
Assets per employee ($millions)	6.1889%	2,651
Cash dividends to net income (ytd only)*	70.4225%	831
Condition Ratios (%)
Loss allowance to loans	1.8301%	513
Loan loss allowance to noncurrent loans	142.8171%	2,902
Noncurrent assets plus other real estate owned to assets	0.6405%	846
Noncurrent loans to loans	1.2815%	553
Net loans and leases to total assets	49.0700%	3,653
Net loans and leases to deposits	52.4299%	3,860
Net loans and leases to core deposits	61.8690%	3,687
Total domestic deposits to total assets	93.5800%	133
Equity capital to assets	6.1974%	4,197
Core capital (leverage) ratio	9.2292%	3,489
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	0.0000%	2,896
Memoranda:
Average total assets	$214,274,200	2,879
Average earning assets	$199,079,000	2,879
Average equity	$12,849,400	3,443
Average total loans	$107,120,600	3,105
2023-09-30		Rank
Percentage of unprofitable institutions	0.0000%	10
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.3199%	3,257
Cost of funding earning assets	1.4021%	1,862
Net interest margin	2.9178%	3,504
Noninterest income to average assets	0.3400%	2,860
Noninterest expense to average assets	2.5743%	2,019
Loan and lease loss provision to assets	0.0500%	1,947
Net operating income to assets	0.4330%	3,904
Return on assets (ROA)	0.2627%	4,165
Pretax return on assets	0.2627%	4,195
Return on Equity (ROE)	4.4200%	3,915
Retained earnings to average equity (ytd only)	1.7764%	3,777
Net charge-offs to loans	-0.1081%	4,506
Credit loss provision to net charge-offs	0.0000%	2,098
Earnings coverage of net charge-offs (x)	0.0000%	2,572
Efficiency ratio	83.7382%	629
Assets per employee ($millions)	6.3391%	2,465
Cash dividends to net income (ytd only)*	59.8086%	944
Condition Ratios (%)
Loss allowance to loans	1.7857%	582
Loan loss allowance to noncurrent loans	132.0692%	2,946
Noncurrent assets plus other real estate owned to assets	0.6974%	818
Noncurrent loans to loans	1.3521%	559
Net loans and leases to total assets	50.6600%	3,575
Net loans and leases to deposits	53.7000%	3,802
Net loans and leases to core deposits	63.8503%	3,534
Total domestic deposits to total assets	94.3300%	161
Equity capital to assets	5.4039%	4,168
Core capital (leverage) ratio	9.4144%	3,385
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	0.0000%	2,911
Memoranda:
Average total assets	$212,142,250	2,902
Average earning assets	$197,036,000	2,897
Average equity	$12,609,750	3,461
Average total loans	$106,061,250	3,112
2023-06-30		Rank
Percentage of unprofitable institutions	0.0000%	43
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.2295%	3,232
Cost of funding earning assets	1.2452%	1,864
Net interest margin	2.9842%	3,470
Noninterest income to average assets	0.3900%	2,505
Noninterest expense to average assets	2.6084%	1,908
Loan and lease loss provision to assets	0.0400%	2,074
Net operating income to assets	0.5061%	3,796
Return on assets (ROA)	0.5061%	3,805
Pretax return on assets	0.5061%	3,958
Return on Equity (ROE)	8.2600%	3,168
Retained earnings to average equity (ytd only)	4.3927%	3,104
Net charge-offs to loans	-0.0268%	4,203
Credit loss provision to net charge-offs	0.0000%	1,862
Earnings coverage of net charge-offs (x)	0.0000%	2,403
Efficiency ratio	82.2982%	689
Assets per employee ($millions)	5.5777%	3,080
Cash dividends to net income (ytd only)*	46.8165%	1,415
Condition Ratios (%)
Loss allowance to loans	1.7438%	683
Loan loss allowance to noncurrent loans	123.3333%	3,089
Noncurrent assets plus other real estate owned to assets	0.7219%	720
Noncurrent loans to loans	1.4139%	492
Net loans and leases to total assets	50.1700%	3,548
Net loans and leases to deposits	53.5658%	3,772
Net loans and leases to core deposits	61.4806%	3,558
Total domestic deposits to total assets	93.6500%	176
Equity capital to assets	6.1707%	4,107
Core capital (leverage) ratio	9.3580%	3,400
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	0.0000%	2,936
Memoranda:
Average total assets	$211,013,333	2,929
Average earning assets	$195,627,667	2,924
Average equity	$12,930,667	3,443
Average total loans	$104,361,000	3,126
2023-03-31		Rank
Percentage of unprofitable institutions	0.0000%	1
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.0084%	3,439
Cost of funding earning assets	1.0350%	1,933
Net interest margin	2.9734%	3,654
Noninterest income to average assets	0.3500%	2,725
Noninterest expense to average assets	2.4641%	2,336
Loan and lease loss provision to assets	0.0000%	2,553
Net operating income to assets	0.6288%	3,638
Return on assets (ROA)	0.6288%	3,596
Pretax return on assets	0.6288%	3,797
Return on Equity (ROE)	10.3000%	2,699
Retained earnings to average equity (ytd only)	2.5201%	3,600
Net charge-offs to loans	-0.0273%	4,188
Credit loss provision to net charge-offs	0.0000%	1,422
Earnings coverage of net charge-offs (x)	0.0000%	2,008
Efficiency ratio	79.1155%	894
Assets per employee ($millions)	6.0421%	2,727
Cash dividends to net income (ytd only)*	75.5287%	709
Condition Ratios (%)
Loss allowance to loans	1.8003%	664
Loan loss allowance to noncurrent loans	108.1416%	3,292
Noncurrent assets plus other real estate owned to assets	0.8015%	595
Noncurrent loans to loans	1.6648%	377
Net loans and leases to total assets	47.2800%	3,684
Net loans and leases to deposits	50.5184%	3,873
Net loans and leases to core deposits	55.3237%	3,779
Total domestic deposits to total assets	93.5900%	216
Equity capital to assets	6.2902%	4,110
Core capital (leverage) ratio	9.6176%	3,083
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	0.0000%	3,020
Memoranda:
Average total assets	$210,543,500	2,968
Average earning assets	$194,393,500	2,968
Average equity	$12,856,500	3,490
Average total loans	$102,434,500	3,182
2022-12-31		Rank
Percentage of unprofitable institutions	0.0000%	1
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.5917%	2,827
Cost of funding earning assets	0.5143%	1,298
Net interest margin	3.0773%	3,237
Noninterest income to average assets	0.4000%	2,691
Noninterest expense to average assets	2.5356%	2,006
Loan and lease loss provision to assets	0.0000%	2,926
Net operating income to assets	0.7070%	3,599
Return on assets (ROA)	0.7199%	3,506
Pretax return on assets	0.7199%	3,815
Return on Equity (ROE)	9.9600%	2,822
Retained earnings to average equity (ytd only)	7.3290%	2,091
Net charge-offs to loans	0.0021%	2,460
Credit loss provision to net charge-offs	0.0000%	1,979
Earnings coverage of net charge-offs (x)	744.5000%	242
Efficiency ratio	77.6541%	873
Assets per employee ($millions)	5.8226%	2,927
Cash dividends to net income (ytd only)*	26.3852%	2,598
Condition Ratios (%)
Loss allowance to loans	1.7719%	695
Loan loss allowance to noncurrent loans	96.6649%	3,352
Noncurrent assets plus other real estate owned to assets	0.9012%	494
Noncurrent loans to loans	1.8330%	321
Net loans and leases to total assets	48.2900%	3,654
Net loans and leases to deposits	51.3941%	3,835
Net loans and leases to core deposits	54.0142%	3,805
Total domestic deposits to total assets	93.9700%	246
Equity capital to assets	5.9209%	4,118
Core capital (leverage) ratio	9.6439%	2,998
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	0.0000%	3,055
Memoranda:
Average total assets	$210,598,200	2,973
Average earning assets	$194,812,400	2,972
Average equity	$15,227,200	3,348
Average total loans	$97,531,000	3,186
2022-09-30		Rank
Percentage of unprofitable institutions	0.0000%	1
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.4392%	2,807
Cost of funding earning assets	0.4086%	1,226
Net interest margin	3.0306%	3,141
Noninterest income to average assets	0.4300%	2,559
Noninterest expense to average assets	2.5554%	1,844
Loan and lease loss provision to assets	0.0000%	2,752
Net operating income to assets	0.6811%	3,617
Return on assets (ROA)	0.6981%	3,534
Pretax return on assets	0.6981%	3,805
Return on Equity (ROE)	9.2400%	2,959
Retained earnings to average equity (ytd only)	9.2395%	1,569
Net charge-offs to loans	-0.1109%	4,519
Credit loss provision to net charge-offs	0.0000%	1,679
Earnings coverage of net charge-offs (x)	0.0000%	2,297
Efficiency ratio	78.4095%	880
Assets per employee ($millions)	5.9465%	2,814
Cash dividends to net income (ytd only)*	0.0000%	3,071
Condition Ratios (%)
Loss allowance to loans	1.8974%	606
Loan loss allowance to noncurrent loans	100.0524%	3,370
Noncurrent assets plus other real estate owned to assets	0.9163%	511
Noncurrent loans to loans	1.8964%	322
Net loans and leases to total assets	47.4000%	3,676
Net loans and leases to deposits	50.5154%	3,819
Net loans and leases to core deposits	54.6824%	3,709
Total domestic deposits to total assets	93.8300%	386
Equity capital to assets	5.9862%	3,974
Core capital (leverage) ratio	9.6391%	2,918
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	0.0000%	3,120
Memoranda:
Average total assets	$210,844,000	2,996
Average earning assets	$195,465,500	2,982
Average equity	$15,931,250	3,326
Average total loans	$96,150,000	3,222
2022-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.3380%	2,615
Cost of funding earning assets	0.3378%	1,382
Net interest margin	3.0002%	2,868
Noninterest income to average assets	0.4571%	2,408
Noninterest expense to average assets	2.4312%	2,143
Loan and lease loss provision to assets	0.0000%	2,599
Net operating income to assets	0.8113%	2,915
Return on assets (ROA)	0.8113%	2,886
Pretax return on assets	0.8113%	3,293
Return on Equity (ROE)	10.0534%	2,315
Retained earnings to average equity (ytd only)	10.0534%	1,001
Net charge-offs to loans	-0.1605%	4,549
Credit loss provision to net charge-offs	0.0000%	1,663
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	74.4247%	1,463
Assets per employee ($millions)	5.3359%	3,394
Cash dividends to net income (ytd only)*	0.0000%	2,927
Condition Ratios (%)
Loss allowance to loans	1.9158%	643
Loan loss allowance to noncurrent loans	97.6911%	3,399
Noncurrent assets plus other real estate owned to assets	1.0574%	429
Noncurrent loans to loans	1.9611%	332
Net loans and leases to total assets	48.0751%	3,546
Net loans and leases to deposits	51.5530%	3,722
Net loans and leases to core deposits	54.1995%	3,682
Total domestic deposits to total assets	93.2538%	450
Equity capital to assets	6.6111%	3,970
Core capital (leverage) ratio	9.3254%	3,099
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	NA	NA
Memoranda:
Average total assets	$211,749,000	3,018
Average earning assets	$196,584,000	3,017
Average equity	$17,088,667	3,316
Average total loans	$94,680,000	3,263
2022-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.3645%	2,196
Cost of funding earning assets	0.3450%	1,246
Net interest margin	3.0195%	2,439
Noninterest income to average assets	0.4994%	2,140
Noninterest expense to average assets	2.3270%	2,400
Loan and lease loss provision to assets	0.0000%	2,285
Net operating income to assets	0.9730%	1,988
Return on assets (ROA)	0.9730%	1,986
Pretax return on assets	0.9730%	2,526
Return on Equity (ROE)	11.1143%	1,576
Retained earnings to average equity (ytd only)	11.1143%	764
Net charge-offs to loans	-0.3119%	4,663
Credit loss provision to net charge-offs	0.0000%	1,336
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	70.0112%	2,229
Assets per employee ($millions)	5.6472%	3,180
Cash dividends to net income (ytd only)*	0.0000%	2,254
Condition Ratios (%)
Loss allowance to loans	2.0400%	580
Loan loss allowance to noncurrent loans	93.9199%	3,436
Noncurrent assets plus other real estate owned to assets	1.0615%	461
Noncurrent loans to loans	2.1720%	315
Net loans and leases to total assets	43.6660%	3,760
Net loans and leases to deposits	47.7119%	3,885
Net loans and leases to core deposits	48.2442%	3,973
Total domestic deposits to total assets	91.5203%	790
Equity capital to assets	8.3611%	3,276
Core capital (leverage) ratio	8.4407%	3,917
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	NA	NA
Memoranda:
Average total assets	$216,240,500	2,996
Average earning assets	$200,563,000	3,004
Average equity	$18,930,500	3,241
Average total loans	$92,328,000	3,294
2021-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.0915%	3,698
Cost of funding earning assets	0.3849%	1,646
Net interest margin	2.7065%	3,859
Noninterest income to average assets	0.5703%	2,277
Noninterest expense to average assets	2.2517%	2,945
Loan and lease loss provision to assets	0.2870%	293
Net operating income to assets	0.4849%	4,125
Return on assets (ROA)	0.4849%	4,167
Pretax return on assets	0.4849%	4,277
Return on Equity (ROE)	5.3721%	3,915
Retained earnings to average equity (ytd only)	5.3721%	2,634
Net charge-offs to loans	0.1810%	535
Credit loss provision to net charge-offs	351.7241%	988
Earnings coverage of net charge-offs (x)	9.4598%	2,257
Efficiency ratio	73.8948%	1,318
Assets per employee ($millions)	5.8825%	2,880
Cash dividends to net income (ytd only)*	0.0000%	3,588
Condition Ratios (%)
Loss allowance to loans	1.9974%	606
Loan loss allowance to noncurrent loans	81.1363%	3,581
Noncurrent assets plus other real estate owned to assets	1.2674%	376
Noncurrent loans to loans	2.4618%	273
Net loans and leases to total assets	40.1233%	4,086
Net loans and leases to deposits	44.1973%	4,169
Net loans and leases to core deposits	44.5962%	4,243
Total domestic deposits to total assets	90.7822%	586
Equity capital to assets	9.1220%	3,491
Core capital (leverage) ratio	8.4712%	3,950
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	NA	NA
Memoranda:
Average total assets	$213,219,000	2,958
Average earning assets	$193,274,200	3,007
Average equity	$19,247,600	3,280
Average total loans	$96,157,200	3,247
2021-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.1944%	3,615
Cost of funding earning assets	0.3966%	1,719
Net interest margin	2.7978%	3,785
Noninterest income to average assets	0.3336%	3,436
Noninterest expense to average assets	2.2781%	2,813
Loan and lease loss provision to assets	0.3874%	168
Net operating income to assets	0.1912%	4,635
Return on assets (ROA)	0.1912%	4,656
Pretax return on assets	0.1912%	4,673
Return on Equity (ROE)	2.1235%	4,579
Retained earnings to average equity (ytd only)	2.1235%	4,159
Net charge-offs to loans	0.1521%	548
Credit loss provision to net charge-offs	551.3514%	731
Earnings coverage of net charge-offs (x)	8.2342%	2,111
Efficiency ratio	79.1270%	805
Assets per employee ($millions)	5.6119%	3,087
Cash dividends to net income (ytd only)*	0.0000%	3,236
Condition Ratios (%)
Loss allowance to loans	1.9498%	696
Loan loss allowance to noncurrent loans	43.1243%	4,024
Noncurrent assets plus other real estate owned to assets	2.2987%	146
Noncurrent loans to loans	4.5215%	91
Net loans and leases to total assets	44.5907%	3,903
Net loans and leases to deposits	49.3528%	4,037
Net loans and leases to core deposits	49.8221%	4,151
Total domestic deposits to total assets	90.3509%	619
Equity capital to assets	9.4611%	3,414
Core capital (leverage) ratio	8.6094%	3,918
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	NA	NA
Memoranda:
Average total assets	$210,639,750	3,011
Average earning assets	$189,955,500	3,062
Average equity	$18,961,750	3,344
Average total loans	$97,317,000	3,281
2021-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.3095%	3,400
Cost of funding earning assets	0.4063%	1,833
Net interest margin	2.9032%	3,567
Noninterest income to average assets	0.3242%	3,486
Noninterest expense to average assets	2.3016%	2,771
Loan and lease loss provision to assets	0.5835%	78
Net operating income to assets	0.0553%	4,746
Return on assets (ROA)	0.0553%	4,756
Pretax return on assets	0.0553%	4,758
Return on Equity (ROE)	0.6251%	4,742
Retained earnings to average equity (ytd only)	0.6251%	4,408
Net charge-offs to loans	0.0246%	1,452
Credit loss provision to net charge-offs	5,100.0000%	134
Earnings coverage of net charge-offs (x)	55.8333%	1,007
Efficiency ratio	77.6589%	937
Assets per employee ($millions)	5.1830%	3,478
Cash dividends to net income (ytd only)*	0.0000%	3,087
Condition Ratios (%)
Loss allowance to loans	1.9824%	628
Loan loss allowance to noncurrent loans	44.0460%	4,024
Noncurrent assets plus other real estate owned to assets	2.2429%	169
Noncurrent loans to loans	4.5007%	105
Net loans and leases to total assets	47.4602%	3,785
Net loans and leases to deposits	52.5946%	3,959
Net loans and leases to core deposits	53.0240%	4,083
Total domestic deposits to total assets	90.2378%	676
Equity capital to assets	9.6001%	3,253
Core capital (leverage) ratio	8.4537%	4,021
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	15.9287%	1,656
Memoranda:
Average total assets	$209,768,667	3,015
Average earning assets	$189,031,667	3,075
Average equity	$18,557,000	3,379
Average total loans	$97,428,667	3,292
2021-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.4827%	2,975
Cost of funding earning assets	0.4041%	2,060
Net interest margin	3.0786%	3,060
Noninterest income to average assets	0.2465%	3,918
Noninterest expense to average assets	2.2067%	3,086
Loan and lease loss provision to assets	0.2844%	342
Net operating income to assets	0.5138%	4,149
Return on assets (ROA)	0.5138%	4,184
Pretax return on assets	0.5138%	4,316
Return on Equity (ROE)	6.0613%	3,841
Retained earnings to average equity (ytd only)	6.0613%	2,870
Net charge-offs to loans	0.0709%	847
Credit loss provision to net charge-offs	882.3529%	448
Earnings coverage of net charge-offs (x)	24.7647%	1,167
Efficiency ratio	72.8707%	1,416
Assets per employee ($millions)	6.4703%	2,200
Cash dividends to net income (ytd only)*	0.0000%	2,433
Condition Ratios (%)
Loss allowance to loans	1.5679%	1,377
Loan loss allowance to noncurrent loans	33.7320%	4,175
Noncurrent assets plus other real estate owned to assets	2.1124%	229
Noncurrent loans to loans	4.6480%	96
Net loans and leases to total assets	43.4635%	4,148
Net loans and leases to deposits	49.4369%	4,196
Net loans and leases to core deposits	49.8272%	4,302
Total domestic deposits to total assets	87.9171%	1,887
Equity capital to assets	8.4682%	4,142
Core capital (leverage) ratio	7.9833%	4,576
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	NA	NA
Memoranda:
Average total assets	$210,992,500	2,999
Average earning assets	$189,046,500	3,058
Average equity	$17,884,000	3,432
Average total loans	$95,950,500	3,324
2020-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.9347%	2,921
Cost of funding earning assets	0.4802%	3,079
Net interest margin	3.4545%	2,619
Noninterest income to average assets	0.3352%	3,454
Noninterest expense to average assets	2.5947%	2,560
Loan and lease loss provision to assets	0.4093%	752
Net operating income to assets	0.4512%	4,139
Return on assets (ROA)	0.4512%	4,219
Pretax return on assets	0.4512%	4,351
Return on Equity (ROE)	4.8020%	3,953
Retained earnings to average equity (ytd only)	1.3376%	4,095
Net charge-offs to loans	0.2780%	618
Credit loss provision to net charge-offs	274.9049%	1,826
Earnings coverage of net charge-offs (x)	5.7795%	2,836
Efficiency ratio	74.8157%	1,354
Assets per employee ($millions)	6.1211%	2,238
Cash dividends to net income (ytd only)*	72.1455%	888
Condition Ratios (%)
Loss allowance to loans	1.4668%	1,704
Loan loss allowance to noncurrent loans	30.3892%	4,273
Noncurrent assets plus other real estate owned to assets	2.3297%	209
Noncurrent loans to loans	4.8268%	98
Net loans and leases to total assets	46.2252%	4,113
Net loans and leases to deposits	52.7668%	4,180
Net loans and leases to core deposits	53.2179%	4,289
Total domestic deposits to total assets	87.6027%	1,658
Equity capital to assets	8.4848%	4,453
Core capital (leverage) ratio	7.3164%	4,881
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	NA	NA
Memoranda:
Average total assets	$176,629,800	3,132
Average earning assets	$159,530,200	3,174
Average equity	$16,597,200	3,494
Average total loans	$94,604,200	3,325
2020-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.1996%	2,402
Cost of funding earning assets	0.4948%	3,259
Net interest margin	3.7048%	1,926
Noninterest income to average assets	0.2756%	3,825
Noninterest expense to average assets	2.5697%	2,631
Loan and lease loss provision to assets	0.2449%	1,661
Net operating income to assets	0.8198%	3,017
Return on assets (ROA)	0.8198%	3,142
Pretax return on assets	0.8198%	3,595
Return on Equity (ROE)	8.4801%	2,609
Retained earnings to average equity (ytd only)	3.8229%	3,129
Net charge-offs to loans	0.2919%	542
Credit loss provision to net charge-offs	151.2077%	2,316
Earnings coverage of net charge-offs (x)	6.5700%	2,641
Efficiency ratio	70.5946%	1,805
Assets per employee ($millions)	6.0605%	2,217
Cash dividends to net income (ytd only)*	54.9188%	1,290
Condition Ratios (%)
Loss allowance to loans	1.0413%	3,510
Loan loss allowance to noncurrent loans	25.3363%	4,357
Noncurrent assets plus other real estate owned to assets	2.2467%	260
Noncurrent loans to loans	4.1098%	157
Net loans and leases to total assets	52.4067%	3,935
Net loans and leases to deposits	60.5562%	4,022
Net loans and leases to core deposits	61.1201%	4,150
Total domestic deposits to total assets	86.5421%	1,842
Equity capital to assets	9.1864%	3,963
Core capital (leverage) ratio	8.0969%	4,613
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	NA	NA
Memoranda:
Average total assets	$170,288,250	3,173
Average earning assets	$154,391,000	3,199
Average equity	$16,461,750	3,510
Average total loans	$94,564,500	3,335
2020-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.4539%	2,065
Cost of funding earning assets	0.5223%	3,404
Net interest margin	3.9316%	1,493
Noninterest income to average assets	0.2968%	3,691
Noninterest expense to average assets	2.5178%	2,915
Loan and lease loss provision to assets	0.2226%	1,881
Net operating income to assets	1.1361%	1,854
Return on assets (ROA)	1.1361%	1,973
Pretax return on assets	1.1361%	2,592
Return on Equity (ROE)	11.5337%	1,469
Retained earnings to average equity (ytd only)	4.4332%	2,734
Net charge-offs to loans	0.0753%	1,499
Credit loss provision to net charge-offs	522.8571%	1,194
Earnings coverage of net charge-offs (x)	31.9143%	1,386
Efficiency ratio	64.8259%	2,688
Assets per employee ($millions)	5.3525%	2,774
Cash dividends to net income (ytd only)*	61.5632%	1,197
Condition Ratios (%)
Loss allowance to loans	1.0957%	3,089
Loan loss allowance to noncurrent loans	31.7059%	4,347
Noncurrent assets plus other real estate owned to assets	1.9408%	386
Noncurrent loans to loans	3.4557%	234
Net loans and leases to total assets	53.4720%	3,918
Net loans and leases to deposits	61.9815%	4,006
Net loans and leases to core deposits	62.5794%	4,152
Total domestic deposits to total assets	86.2708%	1,904
Equity capital to assets	9.3464%	3,786
Core capital (leverage) ratio	8.5617%	4,333
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	NA	NA
Memoranda:
Average total assets	$164,426,000	3,205
Average earning assets	$149,711,000	3,223
Average equity	$16,196,000	3,529
Average total loans	$92,921,000	3,356
2020-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.4072%	2,596
Cost of funding earning assets	0.5922%	3,473
Net interest margin	3.8151%	1,920
Noninterest income to average assets	0.2750%	3,882
Noninterest expense to average assets	2.6316%	2,886
Loan and lease loss provision to assets	0.1285%	2,109
Net operating income to assets	0.9586%	2,318
Return on assets (ROA)	0.9586%	2,422
Pretax return on assets	0.9586%	2,969
Return on Equity (ROE)	9.4493%	1,936
Retained earnings to average equity (ytd only)	-5.1173%	4,531
Net charge-offs to loans	0.0577%	1,431
Credit loss provision to net charge-offs	384.6154%	1,033
Earnings coverage of net charge-offs (x)	32.5385%	1,129
Efficiency ratio	70.6289%	2,264
Assets per employee ($millions)	5.0860%	2,553
Cash dividends to net income (ytd only)*	154.1555%	442
Condition Ratios (%)
Loss allowance to loans	1.0591%	3,408
Loan loss allowance to noncurrent loans	27.7714%	4,429
Noncurrent assets plus other real estate owned to assets	2.2922%	322
Noncurrent loans to loans	3.8138%	222
Net loans and leases to total assets	57.2943%	3,728
Net loans and leases to deposits	64.1902%	3,973
Net loans and leases to core deposits	65.0688%	4,124
Total domestic deposits to total assets	89.2570%	563
Equity capital to assets	9.9686%	3,817
Core capital (leverage) ratio	9.4800%	4,007
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	NA	NA
Memoranda:
Average total assets	$155,646,500	3,261
Average earning assets	$140,496,000	3,305
Average equity	$15,789,500	3,575
Average total loans	$90,187,000	3,392
2019-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.5847%	2,669
Cost of funding earning assets	0.6877%	3,223
Net interest margin	3.8970%	2,181
Noninterest income to average assets	0.3509%	3,600
Noninterest expense to average assets	2.7041%	2,870
Loan and lease loss provision to assets	0.3229%	494
Net operating income to assets	0.9102%	3,164
Return on assets (ROA)	0.9102%	3,248
Pretax return on assets	0.9102%	3,713
Return on Equity (ROE)	8.8664%	2,811
Retained earnings to average equity (ytd only)	1.7321%	4,110
Net charge-offs to loans	0.8468%	193
Credit loss provision to net charge-offs	64.4898%	2,982
Earnings coverage of net charge-offs (x)	2.4626%	3,414
Efficiency ratio	68.5586%	2,378
Assets per employee ($millions)	4.5185%	3,193
Cash dividends to net income (ytd only)*	80.4641%	778
Condition Ratios (%)
Loss allowance to loans	1.0441%	3,258
Loan loss allowance to noncurrent loans	27.0113%	4,472
Noncurrent assets plus other real estate owned to assets	2.3270%	299
Noncurrent loans to loans	3.8653%	191
Net loans and leases to total assets	57.3750%	3,820
Net loans and leases to deposits	64.0535%	4,071
Net loans and leases to core deposits	64.8871%	4,244
Total domestic deposits to total assets	89.5735%	469
Equity capital to assets	10.3249%	3,607
Core capital (leverage) ratio	9.7659%	3,770
Tier 1 risk-based capital ratio	14.0232%	3,261
Total risk-based capital ratio	14.9156%	3,336
Memoranda:
Average total assets	$146,775,600	3,337
Average earning assets	$135,079,800	3,349
Average equity	$15,068,200	3,633
Average total loans	$86,801,400	3,470
2019-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.6517%	2,560
Cost of funding earning assets	0.7044%	3,199
Net interest margin	3.9473%	2,112
Noninterest income to average assets	0.3483%	3,642
Noninterest expense to average assets	2.7776%	2,630
Loan and lease loss provision to assets	0.2813%	535
Net operating income to assets	0.9311%	3,225
Return on assets (ROA)	0.9311%	3,304
Pretax return on assets	0.9311%	3,790
Return on Equity (ROE)	9.0831%	2,855
Retained earnings to average equity (ytd only)	3.9274%	3,438
Net charge-offs to loans	1.0266%	137
Credit loss provision to net charge-offs	46.0843%	2,817
Earnings coverage of net charge-offs (x)	1.9864%	3,233
Efficiency ratio	69.5001%	2,190
Assets per employee ($millions)	4.3479%	3,420
Cash dividends to net income (ytd only)*	56.7624%	1,411
Condition Ratios (%)
Loss allowance to loans	0.9313%	3,920
Loan loss allowance to noncurrent loans	35.5679%	4,419
Noncurrent assets plus other real estate owned to assets	1.6736%	618
Noncurrent loans to loans	2.6184%	424
Net loans and leases to total assets	59.9420%	3,679
Net loans and leases to deposits	67.8907%	3,931
Net loans and leases to core deposits	68.8230%	4,118
Total domestic deposits to total assets	88.2918%	917
Equity capital to assets	10.8085%	3,285
Core capital (leverage) ratio	10.0098%	3,634
Tier 1 risk-based capital ratio	14.4419%	3,108
Total risk-based capital ratio	15.2553%	3,241
Memoranda:
Average total assets	$145,062,500	3,395
Average earning assets	$133,827,250	3,401
Average equity	$14,869,750	3,684
Average total loans	$86,233,250	3,521
2019-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.6154%	2,629
Cost of funding earning assets	0.6831%	3,260
Net interest margin	3.9322%	2,145
Noninterest income to average assets	0.3524%	3,579
Noninterest expense to average assets	2.8264%	2,498
Loan and lease loss provision to assets	0.2206%	752
Net operating income to assets	0.9394%	3,132
Return on assets (ROA)	0.9394%	3,197
Pretax return on assets	0.9394%	3,747
Return on Equity (ROE)	9.3377%	2,709
Retained earnings to average equity (ytd only)	1.4069%	4,318
Net charge-offs to loans	0.1010%	1,372
Credit loss provision to net charge-offs	369.7674%	772
Earnings coverage of net charge-offs (x)	19.4419%	1,818
Efficiency ratio	70.7623%	2,106
Assets per employee ($millions)	4.0499%	3,807
Cash dividends to net income (ytd only)*	84.9335%	719
Condition Ratios (%)
Loss allowance to loans	1.5149%	1,227
Loan loss allowance to noncurrent loans	44.1256%	4,314
Noncurrent assets plus other real estate owned to assets	2.1222%	416
Noncurrent loans to loans	3.4331%	250
Net loans and leases to total assets	58.2811%	3,888
Net loans and leases to deposits	66.5203%	4,063
Net loans and leases to core deposits	67.4539%	4,239
Total domestic deposits to total assets	87.6141%	1,277
Equity capital to assets	10.5017%	3,516
Core capital (leverage) ratio	9.9445%	3,648
Tier 1 risk-based capital ratio	14.1470%	3,242
Total risk-based capital ratio	15.3970%	3,161
Memoranda:
Average total assets	$144,140,670	3,431
Average earning assets	$133,206,670	3,437
Average equity	$14,500,330	3,721
Average total loans	$85,163,000	3,566
2019-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.6234%	2,457
Cost of funding earning assets	0.6557%	3,289
Net interest margin	3.9677%	1,957
Noninterest income to average assets	0.3182%	3,731
Noninterest expense to average assets	2.8246%	2,481
Loan and lease loss provision to assets	0.2177%	719
Net operating income to assets	0.9406%	3,086
Return on assets (ROA)	0.9406%	3,128
Pretax return on assets	0.9406%	3,640
Return on Equity (ROE)	9.5637%	2,564
Retained earnings to average equity (ytd only)	-6.7542%	5,000
Net charge-offs to loans	0.0662%	1,388
Credit loss provision to net charge-offs	557.1429%	574
Earnings coverage of net charge-offs (x)	29.6429%	1,338
Efficiency ratio	70.7779%	2,228
Assets per employee ($millions)	4.0752%	3,811
Cash dividends to net income (ytd only)*	170.6231%	266
Condition Ratios (%)
Loss allowance to loans	1.4864%	1,376
Loan loss allowance to noncurrent loans	43.6522%	4,383
Noncurrent assets plus other real estate owned to assets	2.0157%	482
Noncurrent loans to loans	3.4051%	275
Net loans and leases to total assets	58.3154%	3,852
Net loans and leases to deposits	64.8852%	4,132
Net loans and leases to core deposits	66.0539%	4,275
Total domestic deposits to total assets	89.8747%	499
Equity capital to assets	9.9851%	3,846
Core capital (leverage) ratio	9.5751%	4,050
Tier 1 risk-based capital ratio	14.2198%	3,235
Total risk-based capital ratio	15.4714%	3,158
Memoranda:
Average total assets	$143,313,500	3,479
Average earning assets	$132,370,000	3,478
Average equity	$14,095,000	3,786
Average total loans	$84,605,500	3,600
2018-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.4836%	2,508
Cost of funding earning assets	0.4331%	3,780
Net interest margin	4.0504%	1,825
Noninterest income to average assets	0.3679%	3,637
Noninterest expense to average assets	2.7430%	2,881
Loan and lease loss provision to assets	0.3815%	370
Net operating income to assets	0.9840%	3,085
Return on assets (ROA)	0.9847%	3,079
Pretax return on assets	0.9847%	3,660
Return on Equity (ROE)	10.3702%	2,361
Retained earnings to average equity (ytd only)	8.4929%	1,050
Net charge-offs to loans	0.1437%	1,325
Credit loss provision to net charge-offs	465.2174%	739
Earnings coverage of net charge-offs (x)	16.6522%	2,235
Efficiency ratio	66.6435%	2,758
Assets per employee ($millions)	4.1141%	3,733
Cash dividends to net income (ytd only)*	18.1028%	3,546
Condition Ratios (%)
Loss allowance to loans	1.4048%	1,617
Loan loss allowance to noncurrent loans	42.7035%	4,441
Noncurrent assets plus other real estate owned to assets	1.9369%	508
Noncurrent loans to loans	3.2897%	288
Net loans and leases to total assets	58.0496%	3,956
Net loans and leases to deposits	64.3544%	4,234
Net loans and leases to core deposits	66.0091%	4,355
Total domestic deposits to total assets	90.2031%	413
Equity capital to assets	9.6865%	3,972
Core capital (leverage) ratio	10.0381%	3,531
Tier 1 risk-based capital ratio	14.3225%	3,159
Total risk-based capital ratio	15.5116%	3,102
Memoranda:
Average total assets	$140,250,200	3,501
Average earning assets	$129,516,800	3,498
Average equity	$13,317,000	3,840
Average total loans	$80,032,800	3,667
2018-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.4558%	2,449
Cost of funding earning assets	0.3975%	3,875
Net interest margin	4.0583%	1,762
Noninterest income to average assets	0.3627%	3,710
Noninterest expense to average assets	2.7496%	2,815
Loan and lease loss provision to assets	0.5120%	216
Net operating income to assets	0.8527%	3,726
Return on assets (ROA)	0.8537%	3,728
Pretax return on assets	0.8537%	4,158
Return on Equity (ROE)	9.0377%	3,062
Retained earnings to average equity (ytd only)	6.5048%	2,382
Net charge-offs to loans	0.1674%	989
Credit loss provision to net charge-offs	540.4040%	657
Earnings coverage of net charge-offs (x)	14.4037%	2,286
Efficiency ratio	66.7132%	2,761
Assets per employee ($millions)	4.1545%	3,646
Cash dividends to net income (ytd only)*	28.0274%	2,643
Condition Ratios (%)
Loss allowance to loans	1.5022%	1,337
Loan loss allowance to noncurrent loans	52.8922%	4,346
Noncurrent assets plus other real estate owned to assets	1.6645%	742
Noncurrent loans to loans	2.8402%	408
Net loans and leases to total assets	57.7256%	4,068
Net loans and leases to deposits	66.6661%	4,152
Net loans and leases to core deposits	68.5462%	4,275
Total domestic deposits to total assets	86.5891%	1,920
Equity capital to assets	9.6589%	3,951
Core capital (leverage) ratio	9.9605%	3,683
Tier 1 risk-based capital ratio	14.3343%	3,196
Total risk-based capital ratio	15.5831%	3,119
Memoranda:
Average total assets	$139,314,250	3,551
Average earning assets	$128,786,500	3,547
Average equity	$13,159,250	3,890
Average total loans	$78,846,250	3,717
2018-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.3931%	2,442
Cost of funding earning assets	0.3769%	3,898
Net interest margin	4.0162%	1,806
Noninterest income to average assets	0.3656%	3,710
Noninterest expense to average assets	2.7204%	2,940
Loan and lease loss provision to assets	0.7640%	123
Net operating income to assets	0.5941%	4,511
Return on assets (ROA)	0.6169%	4,447
Pretax return on assets	0.6169%	4,714
Return on Equity (ROE)	6.5795%	4,033
Retained earnings to average equity (ytd only)	3.9142%	3,648
Net charge-offs to loans	0.1047%	1,311
Credit loss provision to net charge-offs	1,304.8780%	320
Earnings coverage of net charge-offs (x)	23.1951%	1,717
Efficiency ratio	66.5616%	2,884
Assets per employee ($millions)	3.7940%	4,221
Cash dividends to net income (ytd only)*	40.5093%	2,098
Condition Ratios (%)
Loss allowance to loans	1.6189%	1,065
Loan loss allowance to noncurrent loans	54.6672%	4,335
Noncurrent assets plus other real estate owned to assets	1.6520%	754
Noncurrent loans to loans	2.9613%	386
Net loans and leases to total assets	54.7636%	4,272
Net loans and leases to deposits	60.5332%	4,502
Net loans and leases to core deposits	63.6828%	4,509
Total domestic deposits to total assets	90.4686%	408
Equity capital to assets	9.3426%	4,248
Core capital (leverage) ratio	9.5312%	4,081
Tier 1 risk-based capital ratio	14.1238%	3,302
Total risk-based capital ratio	15.3748%	3,218
Memoranda:
Average total assets	$140,053,330	3,574
Average earning assets	$129,476,330	3,557
Average equity	$13,131,670	3,913
Average total loans	$78,346,000	3,743
2018-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.4992%	1,868
Cost of funding earning assets	0.3706%	3,826
Net interest margin	4.1286%	1,370
Noninterest income to average assets	0.3117%	4,074
Noninterest expense to average assets	2.7707%	2,802
Loan and lease loss provision to assets	1.5298%	50
Net operating income to assets	-0.1658%	5,443
Return on assets (ROA)	-0.1372%	5,425
Pretax return on assets	-0.1372%	5,423
Return on Equity (ROE)	-1.4612%	5,435
Retained earnings to average equity (ytd only)	-4.5053%	5,177
Net charge-offs to loans	0.0765%	1,358
Credit loss provision to net charge-offs	3,566.6667%	111
Earnings coverage of net charge-offs (x)	31.8000%	1,206
Efficiency ratio	66.8741%	3,022
Assets per employee ($millions)	4.0317%	3,925
Cash dividends to net income (ytd only)*	-208.3333%	5,599
Condition Ratios (%)
Loss allowance to loans	1.6445%	1,065
Loan loss allowance to noncurrent loans	173.0563%	2,511
Noncurrent assets plus other real estate owned to assets	0.5287%	2,759
Noncurrent loans to loans	0.9503%	1,921
Net loans and leases to total assets	54.7190%	4,226
Net loans and leases to deposits	60.2509%	4,453
Net loans and leases to core deposits	63.4071%	4,457
Total domestic deposits to total assets	90.8185%	378
Equity capital to assets	9.0398%	4,511
Core capital (leverage) ratio	8.9660%	4,710
Tier 1 risk-based capital ratio	13.7227%	3,532
Total risk-based capital ratio	14.9740%	3,436
Memoranda:
Average total assets	$139,891,000	3,607
Average earning assets	$129,534,500	3,594
Average equity	$13,140,000	3,945
Average total loans	$78,448,500	3,770
2017-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.3942%	2,042
Cost of funding earning assets	0.3295%	3,883
Net interest margin	4.0647%	1,546
Noninterest income to average assets	0.4058%	3,600
Noninterest expense to average assets	2.6790%	3,199
Loan and lease loss provision to assets	0.0373%	3,522
Net operating income to assets	1.4507%	906
Return on assets (ROA)	1.5260%	765
Pretax return on assets	1.5260%	1,538
Return on Equity (ROE)	15.6752%	518
Retained earnings to average equity (ytd only)	4.0333%	2,764
Net charge-offs to loans	0.1751%	1,420
Credit loss provision to net charge-offs	39.2308%	3,444
Earnings coverage of net charge-offs (x)	15.6538%	2,231
Efficiency ratio	64.1692%	3,580
Assets per employee ($millions)	4.2022%	3,648
Cash dividends to net income (ytd only)*	74.2693%	1,051
Condition Ratios (%)
Loss allowance to loans	0.9835%	4,032
Loan loss allowance to noncurrent loans	268.6411%	1,798
Noncurrent assets plus other real estate owned to assets	0.2070%	4,105
Noncurrent loans to loans	0.3661%	3,452
Net loans and leases to total assets	55.9745%	4,189
Net loans and leases to deposits	62.0968%	4,443
Net loans and leases to core deposits	65.4378%	4,449
Total domestic deposits to total assets	90.1408%	523
Equity capital to assets	9.7525%	3,963
Core capital (leverage) ratio	9.3735%	4,197
Tier 1 risk-based capital ratio	13.9090%	3,414
Total risk-based capital ratio	14.7209%	3,556
Memoranda:
Average total assets	$136,766,200	3,654
Average earning assets	$126,553,600	3,642
Average equity	$13,314,000	3,942
Average total loans	$74,257,200	3,862
2017-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.3611%	2,072
Cost of funding earning assets	0.3160%	3,977
Net interest margin	4.0451%	1,558
Noninterest income to average assets	0.4089%	3,626
Noninterest expense to average assets	2.6541%	3,234
Loan and lease loss provision to assets	0.0499%	3,098
Net operating income to assets	1.4488%	995
Return on assets (ROA)	1.5476%	826
Pretax return on assets	1.5476%	1,588
Return on Equity (ROE)	15.9053%	537
Retained earnings to average equity (ytd only)	8.8675%	892
Net charge-offs to loans	0.1839%	1,148
Credit loss provision to net charge-offs	50.4950%	2,905
Earnings coverage of net charge-offs (x)	15.1687%	2,248
Efficiency ratio	63.9105%	3,564
Assets per employee ($millions)	4.1092%	3,808
Cash dividends to net income (ytd only)*	44.2478%	2,056
Condition Ratios (%)
Loss allowance to loans	1.0512%	3,785
Loan loss allowance to noncurrent loans	235.2941%	1,962
Noncurrent assets plus other real estate owned to assets	0.2507%	4,056
Noncurrent loans to loans	0.4468%	3,363
Net loans and leases to total assets	55.5320%	4,271
Net loans and leases to deposits	62.6679%	4,465
Net loans and leases to core deposits	66.2890%	4,465
Total domestic deposits to total assets	88.6131%	1,061
Equity capital to assets	10.3877%	3,491
Core capital (leverage) ratio	9.8209%	3,796
Tier 1 risk-based capital ratio	14.5785%	3,142
Total risk-based capital ratio	15.4392%	3,262
Memoranda:
Average total assets	$136,289,750	3,701
Average earning assets	$126,142,750	3,677
Average equity	$13,261,500	3,989
Average total loans	$73,223,500	3,923
2017-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.2686%	2,227
Cost of funding earning assets	0.3069%	4,017
Net interest margin	3.9617%	1,733
Noninterest income to average assets	0.4307%	3,485
Noninterest expense to average assets	2.6458%	3,283
Loan and lease loss provision to assets	0.0278%	3,444
Net operating income to assets	1.4254%	1,007
Return on assets (ROA)	1.5749%	764
Pretax return on assets	1.5749%	1,419
Return on Equity (ROE)	16.5554%	450
Retained earnings to average equity (ytd only)	7.3152%	1,443
Net charge-offs to loans	0.0941%	1,675
Credit loss provision to net charge-offs	55.8824%	2,496
Earnings coverage of net charge-offs (x)	29.1765%	1,481
Efficiency ratio	64.5461%	3,584
Assets per employee ($millions)	3.7041%	4,428
Cash dividends to net income (ytd only)*	55.8140%	1,647
Condition Ratios (%)
Loss allowance to loans	1.1154%	3,495
Loan loss allowance to noncurrent loans	127.6758%	3,098
Noncurrent assets plus other real estate owned to assets	0.4772%	3,186
Noncurrent loans to loans	0.8736%	2,239
Net loans and leases to total assets	54.0157%	4,389
Net loans and leases to deposits	60.1417%	4,613
Net loans and leases to core deposits	63.5835%	4,632
Total domestic deposits to total assets	89.8140%	599
Equity capital to assets	9.9758%	3,941
Core capital (leverage) ratio	9.2756%	4,391
Tier 1 risk-based capital ratio	13.6913%	3,592
Total risk-based capital ratio	14.5614%	3,714
Memoranda:
Average total assets	$136,518,670	3,717
Average earning assets	$126,411,670	3,699
Average equity	$12,986,670	4,040
Average total loans	$72,263,670	3,970
2017-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.1441%	2,496
Cost of funding earning assets	0.3044%	4,000
Net interest margin	3.8397%	1,986
Noninterest income to average assets	0.4433%	3,350
Noninterest expense to average assets	2.6069%	3,473
Loan and lease loss provision to assets	0.0000%	3,537
Net operating income to assets	1.3915%	1,016
Return on assets (ROA)	1.6910%	574
Pretax return on assets	1.6910%	1,031
Return on Equity (ROE)	18.2221%	325
Retained earnings to average equity (ytd only)	2.4043%	4,186
Net charge-offs to loans	0.0338%	2,102
Credit loss provision to net charge-offs	0.0000%	2,277
Earnings coverage of net charge-offs (x)	79.0000%	658
Efficiency ratio	65.1982%	3,634
Assets per employee ($millions)	4.1432%	3,772
Cash dividends to net income (ytd only)*	86.8056%	860
Condition Ratios (%)
Loss allowance to loans	1.2151%	3,047
Loan loss allowance to noncurrent loans	314.9254%	1,554
Noncurrent assets plus other real estate owned to assets	0.1960%	4,453
Noncurrent loans to loans	0.3859%	3,723
Net loans and leases to total assets	50.1828%	4,656
Net loans and leases to deposits	55.4010%	4,852
Net loans and leases to core deposits	58.5505%	4,851
Total domestic deposits to total assets	90.5812%	440
Equity capital to assets	9.2528%	4,565
Core capital (leverage) ratio	9.1643%	4,530
Tier 1 risk-based capital ratio	14.5979%	3,158
Total risk-based capital ratio	15.5650%	3,228
Memoranda:
Average total assets	$136,252,500	3,752
Average earning assets	$126,155,000	3,734
Average equity	$12,644,000	4,114
Average total loans	$70,963,500	4,030
2016-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.2967%	2,152
Cost of funding earning assets	0.3149%	3,900
Net interest margin	3.9818%	1,685
Noninterest income to average assets	0.4371%	3,636
Noninterest expense to average assets	2.7567%	3,169
Loan and lease loss provision to assets	0.0226%	3,919
Net operating income to assets	1.3400%	1,118
Return on assets (ROA)	1.3784%	1,099
Pretax return on assets	1.3784%	2,019
Return on Equity (ROE)	13.4097%	904
Retained earnings to average equity (ytd only)	1.3981%	4,713
Net charge-offs to loans	0.1288%	1,956
Credit loss provision to net charge-offs	32.2581%	3,567
Earnings coverage of net charge-offs (x)	19.4731%	1,911
Efficiency ratio	66.9224%	3,453
Assets per employee ($millions)	3.7716%	4,361
Cash dividends to net income (ytd only)*	89.5742%	605
Condition Ratios (%)
Loss allowance to loans	1.1729%	3,287
Loan loss allowance to noncurrent loans	485.7143%	1,085
Noncurrent assets plus other real estate owned to assets	0.2637%	4,233
Noncurrent loans to loans	0.2415%	4,287
Net loans and leases to total assets	52.7475%	4,550
Net loans and leases to deposits	58.2461%	4,771
Net loans and leases to core deposits	61.3621%	4,786
Total domestic deposits to total assets	90.5597%	430
Equity capital to assets	9.3070%	4,466
Core capital (leverage) ratio	9.3666%	4,262
Tier 1 risk-based capital ratio	14.0752%	3,422
Total risk-based capital ratio	15.0199%	3,503
Memoranda:
Average total assets	$132,911,000	3,786
Average earning assets	$122,909,000	3,773
Average equity	$13,661,800	3,997
Average total loans	$72,202,200	3,989
2016-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.3011%	2,158
Cost of funding earning assets	0.3160%	3,918
Net interest margin	3.9851%	1,700
Noninterest income to average assets	0.4105%	3,842
Noninterest expense to average assets	2.7151%	3,315
Loan and lease loss provision to assets	0.0303%	3,632
Net operating income to assets	1.3535%	1,158
Return on assets (ROA)	1.3777%	1,174
Pretax return on assets	1.3777%	2,134
Return on Equity (ROE)	13.0859%	1,026
Retained earnings to average equity (ytd only)	9.5414%	676
Net charge-offs to loans	0.1460%	1,534
Credit loss provision to net charge-offs	37.9747%	3,167
Earnings coverage of net charge-offs (x)	17.3672%	2,053
Efficiency ratio	66.2402%	3,555
Assets per employee ($millions)	3.9559%	4,044
Cash dividends to net income (ytd only)*	27.0863%	2,944
Condition Ratios (%)
Loss allowance to loans	1.2164%	3,136
Loan loss allowance to noncurrent loans	564.7059%	951
Noncurrent assets plus other real estate owned to assets	0.2819%	4,300
Noncurrent loans to loans	0.2154%	4,498
Net loans and leases to total assets	53.7500%	4,515
Net loans and leases to deposits	60.7594%	4,701
Net loans and leases to core deposits	64.2223%	4,719
Total domestic deposits to total assets	88.4637%	1,164
Equity capital to assets	11.2819%	2,720
Core capital (leverage) ratio	10.1002%	3,443
Tier 1 risk-based capital ratio	15.1392%	2,978
Total risk-based capital ratio	16.1103%	3,049
Memoranda:
Average total assets	$132,194,000	3,817
Average earning assets	$122,353,750	3,810
Average equity	$13,918,000	3,985
Average total loans	$72,135,250	4,017
2016-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.3006%	2,154
Cost of funding earning assets	0.3167%	3,945
Net interest margin	3.9839%	1,689
Noninterest income to average assets	0.4083%	3,813
Noninterest expense to average assets	2.7045%	3,382
Loan and lease loss provision to assets	0.0000%	4,017
Net operating income to assets	1.3997%	1,058
Return on assets (ROA)	1.4087%	1,102
Pretax return on assets	1.4087%	1,990
Return on Equity (ROE)	13.7016%	883
Retained earnings to average equity (ytd only)	10.0381%	590
Net charge-offs to loans	0.2234%	1,045
Credit loss provision to net charge-offs	0.0000%	3,050
Earnings coverage of net charge-offs (x)	11.4691%	2,258
Efficiency ratio	65.8957%	3,694
Assets per employee ($millions)	3.5198%	4,720
Cash dividends to net income (ytd only)*	26.7380%	2,969
Condition Ratios (%)
Loss allowance to loans	1.1462%	3,681
Loan loss allowance to noncurrent loans	403.8835%	1,278
Noncurrent assets plus other real estate owned to assets	0.3372%	4,143
Noncurrent loans to loans	0.2838%	4,357
Net loans and leases to total assets	53.6463%	4,542
Net loans and leases to deposits	60.2541%	4,780
Net loans and leases to core deposits	63.4354%	4,785
Total domestic deposits to total assets	89.0334%	902
Equity capital to assets	10.7669%	3,321
Core capital (leverage) ratio	9.6311%	4,025
Tier 1 risk-based capital ratio	14.4977%	3,320
Total risk-based capital ratio	15.4144%	3,432
Memoranda:
Average total assets	$132,743,670	3,832
Average earning assets	$123,145,000	3,821
Average equity	$13,648,000	4,046
Average total loans	$72,503,000	4,028
2016-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.3003%	2,140
Cost of funding earning assets	0.3160%	3,997
Net interest margin	3.9843%	1,662
Noninterest income to average assets	0.4114%	3,738
Noninterest expense to average assets	2.7768%	3,159
Loan and lease loss provision to assets	0.0000%	3,656
Net operating income to assets	1.3339%	1,175
Return on assets (ROA)	1.3279%	1,273
Pretax return on assets	1.3279%	2,195
Return on Equity (ROE)	13.2314%	988
Retained earnings to average equity (ytd only)	9.4639%	983
Net charge-offs to loans	0.0221%	2,490
Credit loss provision to net charge-offs	0.0000%	2,416
Earnings coverage of net charge-offs (x)	110.2500%	504
Efficiency ratio	67.5497%	3,535
Assets per employee ($millions)	3.4229%	4,925
Cash dividends to net income (ytd only)*	28.4738%	2,398
Condition Ratios (%)
Loss allowance to loans	1.2827%	2,993
Loan loss allowance to noncurrent loans	227.2500%	2,032
Noncurrent assets plus other real estate owned to assets	0.4832%	3,668
Noncurrent loans to loans	0.5644%	3,495
Net loans and leases to total assets	52.4046%	4,593
Net loans and leases to deposits	58.4553%	4,826
Net loans and leases to core deposits	61.5288%	4,838
Total domestic deposits to total assets	89.6490%	760
Equity capital to assets	10.1930%	3,849
Core capital (leverage) ratio	9.5386%	4,119
Tier 1 risk-based capital ratio	14.0973%	3,619
Total risk-based capital ratio	15.0995%	3,723
Memoranda:
Average total assets	$132,239,500	3,878
Average earning assets	$122,782,500	3,853
Average equity	$13,271,500	4,120
Average total loans	$72,462,000	4,056
2015-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.2161%	2,507
Cost of funding earning assets	0.3036%	4,205
Net interest margin	3.9125%	1,986
Noninterest income to average assets	0.4395%	3,751
Noninterest expense to average assets	2.7971%	3,241
Loan and lease loss provision to assets	0.0092%	4,218
Net operating income to assets	1.2315%	1,446
Return on assets (ROA)	1.2574%	1,421
Pretax return on assets	1.2574%	2,444
Return on Equity (ROE)	12.7328%	1,115
Retained earnings to average equity (ytd only)	1.5684%	4,827
Net charge-offs to loans	-0.2989%	6,016
Credit loss provision to net charge-offs	-5.7971%	4,933
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	69.2744%	3,349
Assets per employee ($millions)	3.1948%	5,301
Cash dividends to net income (ytd only)*	87.6820%	658
Condition Ratios (%)
Loss allowance to loans	1.2328%	3,282
Loan loss allowance to noncurrent loans	251.5152%	1,919
Noncurrent assets plus other real estate owned to assets	0.4642%	3,753
Noncurrent loans to loans	0.4902%	3,734
Net loans and leases to total assets	55.8423%	4,307
Net loans and leases to deposits	62.9762%	4,544
Net loans and leases to core deposits	66.1778%	4,577
Total domestic deposits to total assets	88.6720%	1,297
Equity capital to assets	9.8759%	4,105
Core capital (leverage) ratio	9.3299%	4,431
Tier 1 risk-based capital ratio	14.3602%	3,515
Total risk-based capital ratio	15.4114%	3,545
Memoranda:
Average total assets	$131,062,000	3,870
Average earning assets	$120,538,200	3,871
Average equity	$12,943,000	4,154
Average total loans	$69,253,400	4,113
2015-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.1354%	2,795
Cost of funding earning assets	0.2936%	4,410
Net interest margin	3.8418%	2,233
Noninterest income to average assets	0.4414%	3,780
Noninterest expense to average assets	2.8053%	3,165
Loan and lease loss provision to assets	0.0122%	4,027
Net operating income to assets	1.1504%	1,829
Return on assets (ROA)	1.1830%	1,778
Pretax return on assets	1.1830%	2,879
Return on Equity (ROE)	11.9788%	1,384
Retained earnings to average equity (ytd only)	4.5114%	3,261
Net charge-offs to loans	-0.4369%	6,139
Credit loss provision to net charge-offs	-5.3812%	4,832
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	70.6998%	3,095
Assets per employee ($millions)	3.2500%	5,218
Cash dividends to net income (ytd only)*	62.3385%	1,319
Condition Ratios (%)
Loss allowance to loans	1.2769%	3,223
Loan loss allowance to noncurrent loans	159.0753%	2,697
Noncurrent assets plus other real estate owned to assets	0.5959%	3,487
Noncurrent loans to loans	0.8027%	2,959
Net loans and leases to total assets	53.9051%	4,577
Net loans and leases to deposits	61.4876%	4,759
Net loans and leases to core deposits	64.0144%	4,817
Total domestic deposits to total assets	87.6682%	1,715
Equity capital to assets	9.8995%	4,286
Core capital (leverage) ratio	9.7105%	4,019
Tier 1 risk-based capital ratio	15.2693%	3,157
Total risk-based capital ratio	16.3855%	3,161
Memoranda:
Average total assets	$131,081,250	3,911
Average earning assets	$120,323,250	3,915
Average equity	$12,944,750	4,190
Average total loans	$68,052,250	4,178
2015-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.9862%	3,353
Cost of funding earning assets	0.2880%	4,527
Net interest margin	3.6983%	2,719
Noninterest income to average assets	0.4311%	3,845
Noninterest expense to average assets	2.8184%	3,167
Loan and lease loss provision to assets	0.0184%	3,758
Net operating income to assets	0.9834%	2,487
Return on assets (ROA)	0.9834%	2,596
Pretax return on assets	0.9834%	3,653
Return on Equity (ROE)	9.9668%	2,083
Retained earnings to average equity (ytd only)	-0.1399%	5,533
Net charge-offs to loans	-0.7099%	6,234
Credit loss provision to net charge-offs	-5.0847%	4,676
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	73.7751%	2,709
Assets per employee ($millions)	2.8323%	5,786
Cash dividends to net income (ytd only)*	101.4041%	504
Condition Ratios (%)
Loss allowance to loans	1.3684%	2,899
Loan loss allowance to noncurrent loans	239.6947%	1,941
Noncurrent assets plus other real estate owned to assets	0.5104%	3,913
Noncurrent loans to loans	0.5709%	3,738
Net loans and leases to total assets	52.1157%	4,743
Net loans and leases to deposits	57.8596%	5,004
Net loans and leases to core deposits	60.2255%	5,062
Total domestic deposits to total assets	90.0727%	629
Equity capital to assets	9.6924%	4,408
Core capital (leverage) ratio	9.0210%	4,941
Tier 1 risk-based capital ratio	15.4629%	3,120
Total risk-based capital ratio	16.6509%	3,097
Memoranda:
Average total assets	$130,358,670	3,956
Average earning assets	$119,461,000	3,960
Average equity	$12,862,670	4,230
Average total loans	$66,484,000	4,254
2015-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.8896%	3,664
Cost of funding earning assets	0.2766%	4,706
Net interest margin	3.6130%	2,952
Noninterest income to average assets	0.4172%	3,864
Noninterest expense to average assets	2.6903%	3,620
Loan and lease loss provision to assets	0.0368%	3,163
Net operating income to assets	0.9755%	2,364
Return on assets (ROA)	0.9755%	2,498
Pretax return on assets	0.9755%	3,581
Return on Equity (ROE)	9.7997%	2,097
Retained earnings to average equity (ytd only)	-5.6086%	5,973
Net charge-offs to loans	-0.8820%	6,308
Credit loss provision to net charge-offs	-8.3333%	4,300
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	72.6595%	3,060
Assets per employee ($millions)	3.3675%	5,140
Cash dividends to net income (ytd only)*	157.2327%	338
Condition Ratios (%)
Loss allowance to loans	1.3287%	3,250
Loan loss allowance to noncurrent loans	166.0156%	2,569
Noncurrent assets plus other real estate owned to assets	0.6207%	3,627
Noncurrent loans to loans	0.8003%	3,240
Net loans and leases to total assets	45.7202%	5,217
Net loans and leases to deposits	50.5275%	5,422
Net loans and leases to core deposits	52.4630%	5,457
Total domestic deposits to total assets	90.4857%	533
Equity capital to assets	9.3499%	4,907
Core capital (leverage) ratio	9.2714%	4,624
Tier 1 risk-based capital ratio	15.8485%	2,991
Total risk-based capital ratio	16.9630%	2,991
Memoranda:
Average total assets	$130,394,500	3,983
Average earning assets	$118,572,000	4,004
Average equity	$12,980,000	4,239
Average total loans	$65,305,000	4,317
2014-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.3343%	2,478
Cost of funding earning assets	0.2837%	4,969
Net interest margin	4.0506%	1,735
Noninterest income to average assets	0.5177%	3,374
Noninterest expense to average assets	2.8610%	3,262
Loan and lease loss provision to assets	0.0422%	3,732
Net operating income to assets	1.2623%	1,398
Return on assets (ROA)	1.2682%	1,430
Pretax return on assets	1.2682%	2,356
Return on Equity (ROE)	13.0070%	1,135
Retained earnings to average equity (ytd only)	11.2341%	357
Net charge-offs to loans	0.1925%	2,126
Credit loss provision to net charge-offs	41.6667%	3,643
Earnings coverage of net charge-offs (x)	12.8917%	2,330
Efficiency ratio	68.6842%	3,771
Assets per employee ($millions)	2.8540%	5,885
Cash dividends to net income (ytd only)*	13.6303%	4,021
Condition Ratios (%)
Loss allowance to loans	1.0415%	4,847
Loan loss allowance to noncurrent loans	126.6423%	3,180
Noncurrent assets plus other real estate owned to assets	0.7277%	3,391
Noncurrent loans to loans	0.8224%	3,258
Net loans and leases to total assets	53.7324%	4,609
Net loans and leases to deposits	60.2265%	4,886
Net loans and leases to core deposits	62.7207%	4,944
Total domestic deposits to total assets	89.2172%	1,110
Equity capital to assets	10.6345%	3,318
Core capital (leverage) ratio	9.9744%	3,604
Tier 1 risk-based capital ratio	15.7502%	3,098
Total risk-based capital ratio	16.6410%	3,224
Memoranda:
Average total assets	$118,593,200	4,212
Average earning assets	$106,799,200	4,250
Average equity	$11,563,000	4,443
Average total loans	$62,337,000	4,418
2014-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.3020%	2,627
Cost of funding earning assets	0.2793%	5,102
Net interest margin	4.0227%	1,814
Noninterest income to average assets	0.5251%	3,364
Noninterest expense to average assets	2.6199%	4,129
Loan and lease loss provision to assets	0.0227%	3,952
Net operating income to assets	1.5084%	924
Return on assets (ROA)	1.5163%	944
Pretax return on assets	1.5163%	1,594
Return on Equity (ROE)	15.9291%	682
Retained earnings to average equity (ytd only)	14.3207%	233
Net charge-offs to loans	0.0697%	3,204
Credit loss provision to net charge-offs	62.5000%	2,896
Earnings coverage of net charge-offs (x)	42.1833%	1,090
Efficiency ratio	63.1148%	4,699
Assets per employee ($millions)	2.9265%	5,816
Cash dividends to net income (ytd only)*	10.0975%	3,558
Condition Ratios (%)
Loss allowance to loans	1.1684%	4,392
Loan loss allowance to noncurrent loans	92.7250%	3,847
Noncurrent assets plus other real estate owned to assets	0.9701%	3,030
Noncurrent loans to loans	1.2600%	2,537
Net loans and leases to total assets	53.0157%	4,695
Net loans and leases to deposits	61.5668%	4,788
Net loans and leases to core deposits	64.1793%	4,864
Total domestic deposits to total assets	86.1110%	2,798
Equity capital to assets	10.3603%	3,725
Core capital (leverage) ratio	9.7344%	4,020
Tier 1 risk-based capital ratio	16.1433%	2,990
Total risk-based capital ratio	17.1405%	3,054
Memoranda:
Average total assets	$117,560,750	4,269
Average earning assets	$105,962,500	4,306
Average equity	$11,191,000	4,553
Average total loans	$61,262,250	4,487
2014-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.2900%	2,615
Cost of funding earning assets	0.2837%	5,145
Net interest margin	4.0063%	1,787
Noninterest income to average assets	0.5961%	2,836
Noninterest expense to average assets	2.6432%	4,083
Loan and lease loss provision to assets	0.0000%	4,196
Net operating income to assets	1.5571%	781
Return on assets (ROA)	1.5589%	811
Pretax return on assets	1.5589%	1,366
Return on Equity (ROE)	16.8868%	567
Retained earnings to average equity (ytd only)	14.9383%	220
Net charge-offs to loans	0.1096%	2,571
Credit loss provision to net charge-offs	0.0000%	3,401
Earnings coverage of net charge-offs (x)	27.5455%	1,339
Efficiency ratio	62.9282%	4,867
Assets per employee ($millions)	3.0639%	5,662
Cash dividends to net income (ytd only)*	11.5385%	3,425
Condition Ratios (%)
Loss allowance to loans	1.1599%	4,620
Loan loss allowance to noncurrent loans	159.6070%	2,582
Noncurrent assets plus other real estate owned to assets	0.6938%	3,904
Noncurrent loans to loans	0.7268%	3,881
Net loans and leases to total assets	52.1277%	4,734
Net loans and leases to deposits	60.8749%	4,796
Net loans and leases to core deposits	63.4844%	4,861
Total domestic deposits to total assets	85.6310%	3,225
Equity capital to assets	9.9161%	4,225
Core capital (leverage) ratio	9.6986%	4,044
Tier 1 risk-based capital ratio	15.8944%	3,148
Total risk-based capital ratio	16.8810%	3,223
Memoranda:
Average total assets	$116,752,000	4,310
Average earning assets	$105,035,330	4,349
Average equity	$10,777,670	4,656
Average total loans	$60,228,330	4,543
2014-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.2149%	2,818
Cost of funding earning assets	0.2869%	5,201
Net interest margin	3.9279%	1,985
Noninterest income to average assets	0.3363%	4,686
Noninterest expense to average assets	2.6278%	4,186
Loan and lease loss provision to assets	0.0000%	3,817
Net operating income to assets	1.2203%	1,422
Return on assets (ROA)	1.2203%	1,477
Pretax return on assets	1.2203%	2,388
Return on Equity (ROE)	13.7473%	990
Retained earnings to average equity (ytd only)	10.8182%	779
Net charge-offs to loans	0.1972%	1,551
Credit loss provision to net charge-offs	0.0000%	2,688
Earnings coverage of net charge-offs (x)	12.1379%	1,736
Efficiency ratio	68.2883%	4,135
Assets per employee ($millions)	2.8861%	5,990
Cash dividends to net income (ytd only)*	21.3068%	2,497
Condition Ratios (%)
Loss allowance to loans	1.2441%	4,414
Loan loss allowance to noncurrent loans	56.4083%	4,968
Noncurrent assets plus other real estate owned to assets	1.6707%	2,114
Noncurrent loans to loans	2.2054%	1,648
Net loans and leases to total assets	49.3070%	4,970
Net loans and leases to deposits	54.4816%	5,237
Net loans and leases to core deposits	56.9858%	5,283
Total domestic deposits to total assets	90.5021%	799
Equity capital to assets	8.8252%	5,301
Core capital (leverage) ratio	9.6274%	4,098
Tier 1 risk-based capital ratio	15.4597%	3,464
Total risk-based capital ratio	16.4699%	3,553
Memoranda:
Average total assets	$115,381,500	4,381
Average earning assets	$103,159,000	4,424
Average equity	$10,242,000	4,769
Average total loans	$58,832,500	4,626
2013-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.5772%	1,940
Cost of funding earning assets	0.3181%	5,441
Net interest margin	4.2591%	1,195
Noninterest income to average assets	0.4247%	4,268
Noninterest expense to average assets	3.0043%	3,045
Loan and lease loss provision to assets	0.0833%	3,454
Net operating income to assets	1.1316%	1,827
Return on assets (ROA)	1.1436%	1,847
Pretax return on assets	1.1279%	2,856
Return on Equity (ROE)	11.8896%	1,454
Retained earnings to average equity (ytd only)	10.0139%	560
Net charge-offs to loans	0.1663%	3,149
Credit loss provision to net charge-offs	95.7447%	2,611
Earnings coverage of net charge-offs (x)	13.7872%	1,991
Efficiency ratio	71.4726%	3,573
Assets per employee ($millions)	2.6147%	6,302
Cash dividends to net income (ytd only)*	15.7767%	3,859
Condition Ratios (%)
Loss allowance to loans	1.3041%	4,125
Loan loss allowance to noncurrent loans	165.7267%	2,449
Noncurrent assets plus other real estate owned to assets	0.9464%	3,537
Noncurrent loans to loans	0.7869%	4,007
Net loans and leases to total assets	51.4271%	4,925
Net loans and leases to deposits	56.9195%	5,219
Net loans and leases to core deposits	59.9911%	5,219
Total domestic deposits to total assets	90.3505%	903
Equity capital to assets	8.9308%	5,117
Core capital (leverage) ratio	9.7212%	3,958
Tier 1 risk-based capital ratio	15.4124%	3,426
Total risk-based capital ratio	16.4857%	3,471
Memoranda:
Average total assets	$108,079,200	4,546
Average earning assets	$95,887,800	4,620
Average equity	$10,395,600	4,761
Average total loans	$56,510,000	4,732
2013-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.5700%	1,977
Cost of funding earning assets	0.3252%	5,505
Net interest margin	4.2448%	1,211
Noninterest income to average assets	0.4436%	4,200
Noninterest expense to average assets	2.9310%	3,206
Loan and lease loss provision to assets	0.0361%	4,294
Net operating income to assets	1.2711%	1,430
Return on assets (ROA)	1.2836%	1,459
Pretax return on assets	1.2624%	2,470
Return on Equity (ROE)	13.0987%	1,214
Retained earnings to average equity (ytd only)	11.5726%	491
Net charge-offs to loans	0.3000%	2,035
Credit loss provision to net charge-offs	23.0159%	4,019
Earnings coverage of net charge-offs (x)	8.1903%	2,666
Efficiency ratio	69.5035%	3,836
Assets per employee ($millions)	2.5834%	6,401
Cash dividends to net income (ytd only)*	11.6508%	3,421
Condition Ratios (%)
Loss allowance to loans	1.1447%	5,139
Loan loss allowance to noncurrent loans	67.0330%	4,539
Noncurrent assets plus other real estate owned to assets	1.3437%	2,953
Noncurrent loans to loans	1.7077%	2,634
Net loans and leases to total assets	53.4036%	4,699
Net loans and leases to deposits	59.2861%	5,059
Net loans and leases to core deposits	62.5499%	5,059
Total domestic deposits to total assets	90.0778%	952
Equity capital to assets	9.1020%	5,057
Core capital (leverage) ratio	9.6649%	4,150
Tier 1 risk-based capital ratio	15.3055%	3,563
Total risk-based capital ratio	16.2544%	3,700
Memoranda:
Average total assets	$106,991,250	4,618
Average earning assets	$95,110,500	4,688
Average equity	$10,484,250	4,797
Average total loans	$55,991,500	4,791
2013-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.5110%	2,162
Cost of funding earning assets	0.3338%	5,534
Net interest margin	4.1772%	1,339
Noninterest income to average assets	0.4038%	4,496
Noninterest expense to average assets	2.9600%	3,126
Loan and lease loss provision to assets	0.0413%	4,128
Net operating income to assets	1.0193%	2,246
Return on assets (ROA)	1.0367%	2,286
Pretax return on assets	1.1119%	3,047
Return on Equity (ROE)	10.3303%	2,073
Retained earnings to average equity (ytd only)	10.3303%	776
Net charge-offs to loans	0.4935%	1,325
Credit loss provision to net charge-offs	16.1765%	3,809
Earnings coverage of net charge-offs (x)	4.4412%	3,130
Efficiency ratio	72.2936%	3,420
Assets per employee ($millions)	2.4809%	6,515
Cash dividends to net income (ytd only)*	0.0000%	3,522
Condition Ratios (%)
Loss allowance to loans	1.1568%	5,207
Loan loss allowance to noncurrent loans	68.4817%	4,467
Noncurrent assets plus other real estate owned to assets	1.3320%	3,109
Noncurrent loans to loans	1.6892%	2,781
Net loans and leases to total assets	51.1923%	4,973
Net loans and leases to deposits	57.1683%	5,230
Net loans and leases to core deposits	60.3152%	5,237
Total domestic deposits to total assets	89.5466%	1,298
Equity capital to assets	9.5648%	4,496
Core capital (leverage) ratio	9.4069%	4,381
Tier 1 risk-based capital ratio	15.3055%	3,594
Total risk-based capital ratio	16.2605%	3,737
Memoranda:
Average total assets	$106,487,000	4,656
Average earning assets	$94,081,330	4,755
Average equity	$10,687,000	4,794
Average total loans	$55,116,670	4,852
2013-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.5470%	2,000
Cost of funding earning assets	0.3437%	5,606
Net interest margin	4.2033%	1,173
Noninterest income to average assets	0.4032%	4,433
Noninterest expense to average assets	2.8797%	3,422
Loan and lease loss provision to assets	0.0000%	4,409
Net operating income to assets	1.1189%	1,784
Return on assets (ROA)	1.1260%	1,877
Pretax return on assets	1.2059%	2,546
Return on Equity (ROE)	10.9528%	1,728
Retained earnings to average equity (ytd only)	10.9528%	889
Net charge-offs to loans	0.0221%	3,732
Credit loss provision to net charge-offs	0.0000%	3,239
Earnings coverage of net charge-offs (x)	105.0000%	363
Efficiency ratio	70.6157%	3,869
Assets per employee ($millions)	2.5254%	6,558
Cash dividends to net income (ytd only)*	0.0000%	2,673
Condition Ratios (%)
Loss allowance to loans	1.4270%	4,103
Loan loss allowance to noncurrent loans	72.0339%	4,256
Noncurrent assets plus other real estate owned to assets	1.6885%	2,758
Noncurrent loans to loans	1.9810%	2,638
Net loans and leases to total assets	49.8199%	5,017
Net loans and leases to deposits	56.0657%	5,233
Net loans and leases to core deposits	59.2736%	5,218
Total domestic deposits to total assets	88.8600%	1,759
Equity capital to assets	10.2500%	3,857
Core capital (leverage) ratio	9.0468%	4,812
Tier 1 risk-based capital ratio	15.7828%	3,384
Total risk-based capital ratio	16.9635%	3,379
Memoranda:
Average total assets	$105,150,000	4,740
Average earning assets	$91,928,000	4,845
Average equity	$10,810,000	4,806
Average total loans	$54,407,000	4,905
2012-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.9093%	1,813
Cost of funding earning assets	0.4478%	5,596
Net interest margin	4.4615%	1,020
Noninterest income to average assets	0.5103%	3,832
Noninterest expense to average assets	3.0738%	3,003
Loan and lease loss provision to assets	0.4686%	1,328
Net operating income to assets	0.7726%	3,403
Return on assets (ROA)	0.9462%	2,823
Pretax return on assets	1.0127%	3,508
Return on Equity (ROE)	9.3406%	2,468
Retained earnings to average equity (ytd only)	8.7427%	898
Net charge-offs to loans	1.7897%	456
Credit loss provision to net charge-offs	45.4283%	4,802
Earnings coverage of net charge-offs (x)	1.2551%	4,834
Efficiency ratio	70.3636%	3,743
Assets per employee ($millions)	2.4817%	6,635
Cash dividends to net income (ytd only)*	6.4008%	4,166
Condition Ratios (%)
Loss allowance to loans	1.3912%	4,211
Loan loss allowance to noncurrent loans	75.3680%	4,077
Noncurrent assets plus other real estate owned to assets	1.8094%	2,703
Noncurrent loans to loans	1.8458%	2,866
Net loans and leases to total assets	52.2277%	4,896
Net loans and leases to deposits	58.8131%	5,152
Net loans and leases to core deposits	62.2213%	5,131
Total domestic deposits to total assets	88.8029%	1,699
Equity capital to assets	10.3116%	3,743
Core capital (leverage) ratio	9.3099%	4,402
Tier 1 risk-based capital ratio	15.1826%	3,622
Total risk-based capital ratio	16.3568%	3,610
Memoranda:
Average total assets	$100,723,200	4,818
Average earning assets	$87,100,000	4,935
Average equity	$10,202,800	4,935
Average total loans	$58,053,600	4,794
2012-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.9840%	1,729
Cost of funding earning assets	0.4739%	5,600
Net interest margin	4.5101%	971
Noninterest income to average assets	0.5248%	3,774
Noninterest expense to average assets	3.1261%	2,806
Loan and lease loss provision to assets	0.5969%	930
Net operating income to assets	0.6459%	4,166
Return on assets (ROA)	0.7825%	3,784
Pretax return on assets	0.8373%	4,349
Return on Equity (ROE)	7.7615%	3,388
Retained earnings to average equity (ytd only)	7.7615%	1,720
Net charge-offs to loans	1.5859%	530
Credit loss provision to net charge-offs	63.9485%	4,052
Earnings coverage of net charge-offs (x)	1.3791%	4,607
Efficiency ratio	70.8321%	3,527
Assets per employee ($millions)	2.3293%	6,837
Cash dividends to net income (ytd only)*	0.0000%	3,713
Condition Ratios (%)
Loss allowance to loans	1.8845%	2,532
Loan loss allowance to noncurrent loans	56.8206%	4,804
Noncurrent assets plus other real estate owned to assets	2.5619%	2,059
Noncurrent loans to loans	3.3166%	1,655
Net loans and leases to total assets	56.2959%	4,400
Net loans and leases to deposits	63.5722%	4,769
Net loans and leases to core deposits	67.6683%	4,759
Total domestic deposits to total assets	88.5543%	1,690
Equity capital to assets	10.4722%	3,878
Core capital (leverage) ratio	9.3651%	4,480
Tier 1 risk-based capital ratio	14.9443%	3,885
Total risk-based capital ratio	16.1990%	3,839
Memoranda:
Average total assets	$99,846,000	4,882
Average earning assets	$86,086,250	5,014
Average equity	$10,066,500	5,011
Average total loans	$58,765,500	4,809
2012-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.8562%	2,284
Cost of funding earning assets	0.5052%	5,583
Net interest margin	4.3510%	1,336
Noninterest income to average assets	0.5414%	3,645
Noninterest expense to average assets	3.1381%	2,785
Loan and lease loss provision to assets	0.8241%	594
Net operating income to assets	0.3049%	5,598
Return on assets (ROA)	0.4131%	5,401
Pretax return on assets	0.4431%	5,590
Return on Equity (ROE)	4.1509%	5,196
Retained earnings to average equity (ytd only)	4.1509%	3,845
Net charge-offs to loans	2.2737%	329
Credit loss provision to net charge-offs	61.0698%	3,770
Earnings coverage of net charge-offs (x)	0.8529%	4,631
Efficiency ratio	73.1650%	3,214
Assets per employee ($millions)	2.2619%	6,941
Cash dividends to net income (ytd only)*	0.0000%	3,523
Condition Ratios (%)
Loss allowance to loans	1.8204%	2,781
Loan loss allowance to noncurrent loans	40.0822%	5,651
Noncurrent assets plus other real estate owned to assets	3.3560%	1,603
Noncurrent loans to loans	4.5416%	1,160
Net loans and leases to total assets	58.1484%	4,133
Net loans and leases to deposits	65.3459%	4,595
Net loans and leases to core deposits	69.5607%	4,585
Total domestic deposits to total assets	88.9855%	1,512
Equity capital to assets	10.0861%	4,209
Core capital (leverage) ratio	8.7840%	5,240
Tier 1 risk-based capital ratio	14.2531%	4,267
Total risk-based capital ratio	15.5082%	4,225
Memoranda:
Average total assets	$99,741,330	4,902
Average earning assets	$85,911,670	5,049
Average equity	$9,925,670	5,050
Average total loans	$59,197,670	4,819
2012-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.9062%	2,215
Cost of funding earning assets	0.5457%	5,522
Net interest margin	4.3606%	1,313
Noninterest income to average assets	0.6049%	3,197
Noninterest expense to average assets	3.0846%	2,971
Loan and lease loss provision to assets	0.5608%	1,037
Net operating income to assets	0.6289%	4,224
Return on assets (ROA)	0.6289%	4,434
Pretax return on assets	0.6730%	4,876
Return on Equity (ROE)	6.3630%	4,109
Retained earnings to average equity (ytd only)	6.3630%	2,765
Net charge-offs to loans	0.5933%	1,611
Credit loss provision to net charge-offs	159.0909%	1,592
Earnings coverage of net charge-offs (x)	3.5000%	2,817
Efficiency ratio	71.4286%	3,549
Assets per employee ($millions)	2.4231%	6,901
Cash dividends to net income (ytd only)*	0.0000%	2,732
Condition Ratios (%)
Loss allowance to loans	2.3593%	1,577
Loan loss allowance to noncurrent loans	39.2918%	5,662
Noncurrent assets plus other real estate owned to assets	4.3460%	1,242
Noncurrent loans to loans	6.0046%	839
Net loans and leases to total assets	56.4016%	4,311
Net loans and leases to deposits	63.0905%	4,756
Net loans and leases to core deposits	67.0455%	4,792
Total domestic deposits to total assets	89.3979%	1,424
Equity capital to assets	9.7188%	4,494
Core capital (leverage) ratio	8.8260%	5,100
Tier 1 risk-based capital ratio	13.7389%	4,651
Total risk-based capital ratio	14.9984%	4,633
Memoranda:
Average total assets	$99,850,500	4,941
Average earning assets	$85,035,000	5,113
Average equity	$9,869,500	5,075
Average total loans	$59,324,500	4,845
2011-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.1909%	2,102
Cost of funding earning assets	0.6997%	5,543
Net interest margin	4.4912%	1,159
Noninterest income to average assets	0.4301%	4,373
Noninterest expense to average assets	3.2457%	2,704
Loan and lease loss provision to assets	0.7133%	1,432
Net operating income to assets	0.3539%	5,052
Return on assets (ROA)	0.3665%	5,172
Pretax return on assets	0.3946%	5,311
Return on Equity (ROE)	3.7780%	4,963
Retained earnings to average equity (ytd only)	3.7780%	3,526
Net charge-offs to loans	1.2887%	1,281
Credit loss provision to net charge-offs	87.8205%	4,107
Earnings coverage of net charge-offs (x)	1.3474%	4,762
Efficiency ratio	74.7841%	3,090
Assets per employee ($millions)	2.3885%	6,928
Cash dividends to net income (ytd only)*	0.0000%	4,078
Condition Ratios (%)
Loss allowance to loans	2.2302%	1,743
Loan loss allowance to noncurrent loans	54.3567%	4,790
Noncurrent assets plus other real estate owned to assets	3.3351%	1,778
Noncurrent loans to loans	4.1028%	1,511
Net loans and leases to total assets	59.7637%	4,033
Net loans and leases to deposits	67.3161%	4,536
Net loans and leases to core deposits	71.7107%	4,564
Total domestic deposits to total assets	88.7806%	1,670
Equity capital to assets	10.0563%	4,096
Core capital (leverage) ratio	9.1731%	4,503
Tier 1 risk-based capital ratio	13.6913%	4,564
Total risk-based capital ratio	14.9500%	4,516
Memoranda:
Average total assets	$96,035,200	5,010
Average earning assets	$83,608,200	5,128
Average equity	$9,317,200	5,204
Average total loans	$60,525,200	4,844
2011-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.2113%	2,166
Cost of funding earning assets	0.7381%	5,538
Net interest margin	4.4732%	1,208
Noninterest income to average assets	0.4437%	4,341
Noninterest expense to average assets	3.2383%	2,706
Loan and lease loss provision to assets	0.6809%	1,423
Net operating income to assets	0.4080%	4,961
Return on assets (ROA)	0.4158%	5,117
Pretax return on assets	0.4479%	5,321
Return on Equity (ROE)	4.3260%	4,854
Retained earnings to average equity (ytd only)	4.3260%	3,651
Net charge-offs to loans	1.5422%	929
Credit loss provision to net charge-offs	69.5157%	4,499
Earnings coverage of net charge-offs (x)	1.1439%	4,769
Efficiency ratio	74.2958%	3,121
Assets per employee ($millions)	2.3017%	7,076
Cash dividends to net income (ytd only)*	0.0000%	3,512
Condition Ratios (%)
Loss allowance to loans	2.0149%	2,292
Loan loss allowance to noncurrent loans	42.0470%	5,505
Noncurrent assets plus other real estate owned to assets	3.7011%	1,692
Noncurrent loans to loans	4.7920%	1,343
Net loans and leases to total assets	61.1701%	3,907
Net loans and leases to deposits	68.8361%	4,468
Net loans and leases to core deposits	73.5684%	4,516
Total domestic deposits to total assets	88.8635%	1,509
Equity capital to assets	9.9945%	4,350
Core capital (leverage) ratio	9.2799%	4,484
Tier 1 risk-based capital ratio	13.2747%	4,895
Total risk-based capital ratio	14.5320%	4,866
Memoranda:
Average total assets	$95,561,750	5,058
Average earning assets	$83,637,500	5,170
Average equity	$9,184,500	5,262
Average total loans	$60,691,250	4,875
2011-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.1702%	2,376
Cost of funding earning assets	0.7577%	5,635
Net interest margin	4.4125%	1,334
Noninterest income to average assets	0.4265%	4,456
Noninterest expense to average assets	3.3280%	2,465
Loan and lease loss provision to assets	0.7270%	1,284
Net operating income to assets	0.2332%	5,622
Return on assets (ROA)	0.2332%	5,739
Pretax return on assets	0.2500%	5,808
Return on Equity (ROE)	2.4597%	5,617
Retained earnings to average equity (ytd only)	2.4597%	4,721
Net charge-offs to loans	1.6446%	885
Credit loss provision to net charge-offs	69.2000%	4,077
Earnings coverage of net charge-offs (x)	0.9300%	4,605
Efficiency ratio	77.3060%	2,809
Assets per employee ($millions)	2.4334%	6,990
Cash dividends to net income (ytd only)*	0.0000%	3,290
Condition Ratios (%)
Loss allowance to loans	2.1287%	2,058
Loan loss allowance to noncurrent loans	51.6808%	4,920
Noncurrent assets plus other real estate owned to assets	2.9815%	2,247
Noncurrent loans to loans	4.1189%	1,662
Net loans and leases to total assets	60.2739%	4,223
Net loans and leases to deposits	67.4372%	4,790
Net loans and leases to core deposits	72.0088%	4,816
Total domestic deposits to total assets	89.3778%	1,314
Equity capital to assets	9.4623%	4,868
Core capital (leverage) ratio	8.8805%	4,914
Tier 1 risk-based capital ratio	13.2161%	4,755
Total risk-based capital ratio	14.4750%	4,724
Memoranda:
Average total assets	$95,191,330	5,098
Average earning assets	$83,672,000	5,207
Average equity	$9,025,330	5,320
Average total loans	$60,804,670	4,920
2011-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.2009%	2,216
Cost of funding earning assets	0.8451%	5,303
Net interest margin	4.3558%	1,408
Noninterest income to average assets	0.3315%	5,249
Noninterest expense to average assets	3.1534%	3,060
Loan and lease loss provision to assets	0.7225%	1,171
Net operating income to assets	0.2677%	5,546
Return on assets (ROA)	0.2677%	5,607
Pretax return on assets	0.2890%	5,689
Return on Equity (ROE)	2.8210%	5,458
Retained earnings to average equity (ytd only)	2.8210%	4,478
Net charge-offs to loans	0.1960%	3,328
Credit loss provision to net charge-offs	566.6667%	658
Earnings coverage of net charge-offs (x)	7.9333%	1,879
Efficiency ratio	75.7143%	3,203
Assets per employee ($millions)	2.5443%	6,921
Cash dividends to net income (ytd only)*	0.0000%	2,514
Condition Ratios (%)
Loss allowance to loans	2.6236%	1,285
Loan loss allowance to noncurrent loans	70.4352%	3,905
Noncurrent assets plus other real estate owned to assets	2.7533%	2,510
Noncurrent loans to loans	3.7248%	1,982
Net loans and leases to total assets	60.2699%	4,214
Net loans and leases to deposits	67.2864%	4,784
Net loans and leases to core deposits	73.4496%	4,598
Total domestic deposits to total assets	89.5723%	1,444
Equity capital to assets	9.3396%	4,665
Core capital (leverage) ratio	9.0418%	4,552
Tier 1 risk-based capital ratio	13.0513%	4,789
Total risk-based capital ratio	14.3147%	4,759
Memoranda:
Average total assets	$94,120,000	5,167
Average earning assets	$82,832,000	5,276
Average equity	$8,933,000	5,352
Average total loans	$61,235,500	4,949
2010-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.7424%	1,432
Cost of funding earning assets	1.0044%	5,663
Net interest margin	4.7380%	750
Noninterest income to average assets	0.3860%	5,011
Noninterest expense to average assets	3.2160%	3,029
Loan and lease loss provision to assets	1.7961%	771
Net operating income to assets	-0.4089%	6,322
Return on assets (ROA)	-0.3322%	6,278
Pretax return on assets	-0.3564%	6,208
Return on Equity (ROE)	-3.5667%	6,329
Retained earnings to average equity (ytd only)	-3.5667%	6,162
Net charge-offs to loans	2.1047%	941
Credit loss provision to net charge-offs	122.8743%	3,392
Earnings coverage of net charge-offs (x)	0.9285%	5,179
Efficiency ratio	70.3223%	4,108
Assets per employee ($millions)	2.2889%	7,227
Cash dividends to net income (ytd only)*	0.0000%	3,950
Condition Ratios (%)
Loss allowance to loans	2.2833%	1,721
Loan loss allowance to noncurrent loans	85.8343%	3,327
Noncurrent assets plus other real estate owned to assets	2.2882%	2,979
Noncurrent loans to loans	2.6601%	2,857
Net loans and leases to total assets	66.8440%	3,261
Net loans and leases to deposits	75.0641%	4,012
Net loans and leases to core deposits	82.4362%	3,833
Total domestic deposits to total assets	89.0492%	1,627
Equity capital to assets	9.6510%	4,212
Core capital (leverage) ratio	9.2753%	4,056
Tier 1 risk-based capital ratio	12.4743%	5,042
Total risk-based capital ratio	13.7338%	5,022
Memoranda:
Average total assets	$90,921,200	5,260
Average earning assets	$80,349,600	5,334
Average equity	$8,467,200	5,560
Average total loans	$63,144,200	4,946
2010-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.7696%	1,484
Cost of funding earning assets	1.0416%	5,734
Net interest margin	4.7280%	787
Noninterest income to average assets	0.3379%	5,458
Noninterest expense to average assets	3.0981%	3,350
Loan and lease loss provision to assets	2.0492%	578
Net operating income to assets	-0.5845%	6,653
Return on assets (ROA)	-0.5244%	6,662
Pretax return on assets	-0.5641%	6,596
Return on Equity (ROE)	-5.6835%	6,700
Retained earnings to average equity (ytd only)	-5.6835%	6,608
Net charge-offs to loans	2.6994%	600
Credit loss provision to net charge-offs	108.8993%	3,908
Earnings coverage of net charge-offs (x)	0.7549%	5,306
Efficiency ratio	68.5631%	4,362
Assets per employee ($millions)	2.2180%	7,373
Cash dividends to net income (ytd only)*	0.0000%	3,526
Condition Ratios (%)
Loss allowance to loans	1.9635%	2,311
Loan loss allowance to noncurrent loans	66.6667%	3,980
Noncurrent assets plus other real estate owned to assets	2.5171%	2,852
Noncurrent loans to loans	2.9452%	2,709
Net loans and leases to total assets	68.0819%	3,190
Net loans and leases to deposits	76.7894%	4,039
Net loans and leases to core deposits	86.1902%	3,621
Total domestic deposits to total assets	88.6605%	1,586
Equity capital to assets	10.0683%	4,069
Core capital (leverage) ratio	9.1803%	4,402
Tier 1 risk-based capital ratio	12.4966%	4,986
Total risk-based capital ratio	13.7532%	4,955
Memoranda:
Average total assets	$90,762,750	5,331
Average earning assets	$80,258,250	5,398
Average equity	$8,375,000	5,667
Average total loans	$63,273,000	5,010
2010-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.6644%	1,891
Cost of funding earning assets	1.0664%	5,838
Net interest margin	4.5980%	1,002
Noninterest income to average assets	0.2558%	6,083
Noninterest expense to average assets	3.0671%	3,439
Loan and lease loss provision to assets	2.6416%	412
Net operating income to assets	-1.2968%	7,065
Return on assets (ROA)	-1.2414%	7,065
Pretax return on assets	-1.3340%	7,028
Return on Equity (ROE)	-13.8761%	7,105
Retained earnings to average equity (ytd only)	-13.8761%	7,066
Net charge-offs to loans	2.9852%	532
Credit loss provision to net charge-offs	126.7725%	3,179
Earnings coverage of net charge-offs (x)	0.5989%	5,137
Efficiency ratio	71.0782%	3,973
Assets per employee ($millions)	2.0885%	7,523
Cash dividends to net income (ytd only)*	0.0000%	3,319
Condition Ratios (%)
Loss allowance to loans	2.1616%	1,840
Loan loss allowance to noncurrent loans	62.7960%	4,189
Noncurrent assets plus other real estate owned to assets	2.4164%	2,974
Noncurrent loans to loans	3.4423%	2,309
Net loans and leases to total assets	66.4127%	3,747
Net loans and leases to deposits	73.7272%	4,720
Net loans and leases to core deposits	83.4773%	4,214
Total domestic deposits to total assets	90.0790%	888
Equity capital to assets	8.7070%	5,874
Core capital (leverage) ratio	8.1259%	6,074
Tier 1 risk-based capital ratio	11.2009%	6,039
Total risk-based capital ratio	12.4598%	6,014
Memoranda:
Average total assets	$90,704,000	5,365
Average earning assets	$80,079,000	5,438
Average equity	$8,114,670	5,758
Average total loans	$63,313,000	5,038
2010-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.5679%	2,295
Cost of funding earning assets	1.1095%	5,853
Net interest margin	4.4583%	1,239
Noninterest income to average assets	0.0045%	7,643
Noninterest expense to average assets	3.0405%	3,523
Loan and lease loss provision to assets	4.6483%	174
Net operating income to assets	-3.4721%	7,678
Return on assets (ROA)	-3.3593%	7,667
Pretax return on assets	-3.6108%	7,650
Return on Equity (ROE)	-37.0274%	7,634
Retained earnings to average equity (ytd only)	-37.0274%	7,616
Net charge-offs to loans	4.2681%	306
Credit loss provision to net charge-offs	153.7890%	2,333
Earnings coverage of net charge-offs (x)	0.3031%	4,771
Efficiency ratio	76.8445%	3,085
Assets per employee ($millions)	2.2574%	7,497
Cash dividends to net income (ytd only)*	0.0000%	2,528
Condition Ratios (%)
Loss allowance to loans	2.3652%	1,467
Loan loss allowance to noncurrent loans	48.5165%	5,104
Noncurrent assets plus other real estate owned to assets	3.4797%	2,026
Noncurrent loans to loans	4.8751%	1,496
Net loans and leases to total assets	68.0241%	3,382
Net loans and leases to deposits	75.5854%	4,480
Net loans and leases to core deposits	85.6703%	3,949
Total domestic deposits to total assets	89.9962%	987
Equity capital to assets	8.8099%	5,535
Core capital (leverage) ratio	8.2797%	5,778
Tier 1 risk-based capital ratio	10.8291%	6,313
Total risk-based capital ratio	12.0902%	6,285
Memoranda:
Average total assets	$89,065,000	5,482
Average earning assets	$78,953,000	5,546
Average equity	$8,080,500	5,818
Average total loans	$63,072,000	5,133
2009-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.7993%	2,652
Cost of funding earning assets	1.3697%	6,056
Net interest margin	4.4296%	1,346
Noninterest income to average assets	0.4971%	4,439
Noninterest expense to average assets	3.4594%	2,494
Loan and lease loss provision to assets	1.0341%	2,210
Net operating income to assets	-0.0301%	5,547
Return on assets (ROA)	0.0341%	5,435
Pretax return on assets	0.0376%	5,352
Return on Equity (ROE)	0.3626%	5,424
Retained earnings to average equity (ytd only)	-0.0125%	4,930
Net charge-offs to loans	0.4824%	3,840
Credit loss provision to net charge-offs	313.1673%	1,045
Earnings coverage of net charge-offs (x)	3.0320%	3,560
Efficiency ratio	77.5553%	3,260
Assets per employee ($millions)	2.3114%	7,463
Cash dividends to net income (ytd only)*	103.4483%	571
Condition Ratios (%)
Loss allowance to loans	1.7807%	2,613
Loan loss allowance to noncurrent loans	33.2448%	6,226
Noncurrent assets plus other real estate owned to assets	4.1704%	1,566
Noncurrent loans to loans	5.3564%	1,221
Net loans and leases to total assets	70.7095%	3,076
Net loans and leases to deposits	80.2520%	3,945
Net loans and leases to core deposits	90.8688%	5,039
Total domestic deposits to total assets	88.1094%	1,917
Equity capital to assets	9.3426%	4,644
Core capital (leverage) ratio	8.8295%	4,723
Tier 1 risk-based capital ratio	11.2850%	5,626
Total risk-based capital ratio	12.5389%	5,580
Memoranda:
Average total assets	$85,101,400	5,557
Average earning assets	$76,147,600	5,599
Average equity	$7,997,200	5,927
Average total loans	$58,255,400	5,328
2009-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.7546%	3,084
Cost of funding earning assets	1.3981%	6,243
Net interest margin	4.3564%	1,574
Noninterest income to average assets	0.5338%	4,206
Noninterest expense to average assets	3.5521%	2,138
Loan and lease loss provision to assets	1.2572%	1,532
Net operating income to assets	-0.3424%	6,257
Return on assets (ROA)	-0.2543%	6,153
Pretax return on assets	-0.2732%	6,071
Return on Equity (ROE)	-2.7018%	6,200
Retained earnings to average equity (ytd only)	-3.2053%	5,977
Net charge-offs to loans	0.6314%	2,788
Credit loss provision to net charge-offs	294.8148%	1,404
Earnings coverage of net charge-offs (x)	2.0852%	4,258
Efficiency ratio	79.9787%	2,846
Assets per employee ($millions)	2.2271%	7,586
Cash dividends to net income (ytd only)*	-18.6341%	7,841
Condition Ratios (%)
Loss allowance to loans	1.7356%	2,500
Loan loss allowance to noncurrent loans	35.6466%	6,029
Noncurrent assets plus other real estate owned to assets	3.7798%	1,714
Noncurrent loans to loans	4.8688%	1,388
Net loans and leases to total assets	68.6412%	3,812
Net loans and leases to deposits	77.8418%	4,761
Net loans and leases to core deposits	89.3825%	5,496
Total domestic deposits to total assets	88.1804%	1,576
Equity capital to assets	9.2222%	5,133
Core capital (leverage) ratio	8.8752%	4,852
Tier 1 risk-based capital ratio	11.2325%	5,709
Total risk-based capital ratio	12.4868%	5,654
Memoranda:
Average total assets	$84,418,250	5,607
Average earning assets	$75,717,500	5,644
Average equity	$7,945,000	6,002
Average total loans	$57,011,000	5,431
2009-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.7346%	3,371
Cost of funding earning assets	1.4483%	6,326
Net interest margin	4.2863%	1,685
Noninterest income to average assets	0.5358%	4,143
Noninterest expense to average assets	3.5954%	2,081
Loan and lease loss provision to assets	2.0884%	766
Net operating income to assets	-1.2128%	7,117
Return on assets (ROA)	-1.1171%	7,066
Pretax return on assets	-1.2009%	6,942
Return on Equity (ROE)	-11.7880%	7,161
Retained earnings to average equity (ytd only)	-12.5452%	7,089
Net charge-offs to loans	0.1470%	4,716
Credit loss provision to net charge-offs	2,129.2683%	249
Earnings coverage of net charge-offs (x)	8.0000%	2,336
Efficiency ratio	82.0863%	2,713
Assets per employee ($millions)	2.0055%	7,850
Cash dividends to net income (ytd only)*	-6.4240%	7,832
Condition Ratios (%)
Loss allowance to loans	2.3527%	1,038
Loan loss allowance to noncurrent loans	61.3821%	4,382
Noncurrent assets plus other real estate owned to assets	2.7033%	2,375
Noncurrent loans to loans	3.8328%	1,777
Net loans and leases to total assets	66.9647%	4,362
Net loans and leases to deposits	75.2990%	5,276
Net loans and leases to core deposits	85.7701%	5,926
Total domestic deposits to total assets	88.9316%	1,298
Equity capital to assets	9.0715%	5,213
Core capital (leverage) ratio	8.5224%	5,403
Tier 1 risk-based capital ratio	11.2198%	5,668
Total risk-based capital ratio	12.4805%	5,575
Memoranda:
Average total assets	$83,605,670	5,679
Average earning assets	$74,983,330	5,711
Average equity	$7,923,330	6,050
Average total loans	$55,790,670	5,515
2009-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.6574%	4,011
Cost of funding earning assets	1.4761%	6,479
Net interest margin	4.1813%	1,970
Noninterest income to average assets	0.5042%	4,289
Noninterest expense to average assets	3.2032%	2,973
Loan and lease loss provision to assets	0.9365%	1,387
Net operating income to assets	0.0960%	5,990
Return on assets (ROA)	0.0960%	6,156
Pretax return on assets	0.1057%	6,157
Return on Equity (ROE)	0.9920%	6,127
Retained earnings to average equity (ytd only)	0.9920%	5,247
Net charge-offs to loans	0.1460%	3,798
Credit loss provision to net charge-offs	975.0000%	643
Earnings coverage of net charge-offs (x)	10.8500%	1,909
Efficiency ratio	75.4525%	3,573
Assets per employee ($millions)	2.0819%	7,826
Cash dividends to net income (ytd only)*	0.0000%	2,832
Condition Ratios (%)
Loss allowance to loans	1.2840%	4,169
Loan loss allowance to noncurrent loans	34.9950%	6,217
Noncurrent assets plus other real estate owned to assets	2.5950%	2,206
Noncurrent loans to loans	3.6691%	1,706
Net loans and leases to total assets	63.2297%	5,118
Net loans and leases to deposits	71.3798%	5,818
Net loans and leases to core deposits	79.9132%	6,395
Total domestic deposits to total assets	88.5821%	1,440
Equity capital to assets	9.4954%	4,668
Core capital (leverage) ratio	9.3809%	4,129
Tier 1 risk-based capital ratio	12.1578%	4,821
Total risk-based capital ratio	13.2436%	4,856
Memoranda:
Average total assets	$83,293,000	5,694
Average earning assets	$74,522,000	5,754
Average equity	$8,064,500	6,035
Average total loans	$54,804,000	5,599
2008-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	6.5552%	2,695
Cost of funding earning assets	2.0079%	6,389
Net interest margin	4.5473%	1,318
Noninterest income to average assets	0.5722%	4,066
Noninterest expense to average assets	3.4056%	2,660
Loan and lease loss provision to assets	0.3158%	3,855
Net operating income to assets	0.8675%	3,140
Return on assets (ROA)	0.8749%	2,962
Pretax return on assets	0.9409%	3,583
Return on Equity (ROE)	8.5215%	2,825
Retained earnings to average equity (ytd only)	6.2045%	1,436
Net charge-offs to loans	0.3509%	3,075
Credit loss provision to net charge-offs	132.7778%	4,008
Earnings coverage of net charge-offs (x)	5.2500%	3,715
Efficiency ratio	73.1687%	3,717
Assets per employee ($millions)	2.0307%	7,893
Cash dividends to net income (ytd only)*	27.1903%	4,209
Condition Ratios (%)
Loss allowance to loans	0.9593%	6,354
Loan loss allowance to noncurrent loans	47.8656%	5,619
Noncurrent assets plus other real estate owned to assets	1.3554%	3,494
Noncurrent loans to loans	2.0042%	2,756
Net loans and leases to total assets	66.9810%	4,643
Net loans and leases to deposits	76.7618%	5,501
Net loans and leases to core deposits	85.2109%	6,192
Total domestic deposits to total assets	87.2582%	1,811
Equity capital to assets	9.8782%	4,186
Core capital (leverage) ratio	9.7927%	3,654
Tier 1 risk-based capital ratio	12.0050%	4,820
Total risk-based capital ratio	12.8120%	5,074
Memoranda:
Average total assets	$75,669,200	5,851
Average earning assets	$67,930,600	5,900
Average equity	$7,768,600	6,181
Average total loans	$51,298,000	5,655