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Warren-Boynton State Bank, Performance and Condition Ratios

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2023-12-31		Rank
Percentage of unprofitable institutions	0.0000%	46
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.7417%	2,592
Cost of funding earning assets	1.3581%	2,335
Net interest margin	3.3836%	2,438
Noninterest income to average assets	0.3100%	3,052
Noninterest expense to average assets	2.3248%	2,786
Loan and lease loss provision to assets	0.0600%	1,903
Net operating income to assets	0.8887%	2,584
Return on assets (ROA)	0.8887%	2,554
Pretax return on assets	1.1628%	2,231
Return on Equity (ROE)	8.7600%	2,813
Retained earnings to average equity (ytd only)	5.1327%	2,565
Net charge-offs to loans	0.0838%	1,026
Credit loss provision to net charge-offs	88.7417%	1,960
Earnings coverage of net charge-offs (x)	19.2914%	1,904
Efficiency ratio	65.6040%	2,401
Assets per employee ($millions)	6.2038%	2,635
Cash dividends to net income (ytd only)*	41.3842%	2,025
Condition Ratios (%)
Loss allowance to loans	0.8845%	3,767
Loan loss allowance to noncurrent loans	659.6078%	1,191
Noncurrent assets plus other real estate owned to assets	0.1028%	2,841
Noncurrent loans to loans	0.1341%	2,836
Net loans and leases to total assets	75.9500%	1,121
Net loans and leases to deposits	88.7599%	1,367
Net loans and leases to core deposits	111.8803%	889
Total domestic deposits to total assets	85.5700%	2,142
Equity capital to assets	9.0291%	2,657
Core capital (leverage) ratio	10.2047%	2,593
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	16.6446%	1,148
Memoranda:
Average total assets	$238,988,600	2,743
Average earning assets	$228,335,600	2,695
Average equity	$24,256,400	2,568
Average total loans	$180,171,200	2,443
2023-09-30		Rank
Percentage of unprofitable institutions	0.0000%	10
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.7177%	2,437
Cost of funding earning assets	1.3284%	2,069
Net interest margin	3.3892%	2,477
Noninterest income to average assets	0.3100%	3,041
Noninterest expense to average assets	2.2864%	2,834
Loan and lease loss provision to assets	0.0000%	2,992
Net operating income to assets	0.9593%	2,486
Return on assets (ROA)	0.9593%	2,476
Pretax return on assets	1.2612%	2,142
Return on Equity (ROE)	9.1900%	2,876
Retained earnings to average equity (ytd only)	9.1857%	1,640
Net charge-offs to loans	0.0878%	861
Credit loss provision to net charge-offs	4.2735%	2,047
Earnings coverage of net charge-offs (x)	19.1795%	1,844
Efficiency ratio	64.3979%	2,450
Assets per employee ($millions)	5.9590%	2,797
Cash dividends to net income (ytd only)*	0.0000%	3,002
Condition Ratios (%)
Loss allowance to loans	0.8504%	3,869
Loan loss allowance to noncurrent loans	566.4286%	1,339
Noncurrent assets plus other real estate owned to assets	0.1821%	2,376
Noncurrent loans to loans	0.1501%	2,805
Net loans and leases to total assets	75.6900%	1,155
Net loans and leases to deposits	85.6512%	1,607
Net loans and leases to core deposits	106.8379%	981
Total domestic deposits to total assets	88.3600%	1,459
Equity capital to assets	10.1375%	1,750
Core capital (leverage) ratio	11.5611%	1,641
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	19.1249%	798
Memoranda:
Average total assets	$236,697,750	2,768
Average earning assets	$226,123,250	2,717
Average equity	$24,719,000	2,519
Average total loans	$177,674,000	2,469
2023-06-30		Rank
Percentage of unprofitable institutions	0.0000%	43
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.6431%	2,325
Cost of funding earning assets	1.2332%	1,892
Net interest margin	3.4099%	2,491
Noninterest income to average assets	0.3100%	3,022
Noninterest expense to average assets	2.2728%	2,883
Loan and lease loss provision to assets	0.0000%	2,857
Net operating income to assets	0.9805%	2,480
Return on assets (ROA)	0.9805%	2,466
Pretax return on assets	1.2897%	2,112
Return on Equity (ROE)	9.2900%	2,893
Retained earnings to average equity (ytd only)	9.2945%	1,604
Net charge-offs to loans	0.0080%	1,917
Credit loss provision to net charge-offs	71.4286%	1,587
Earnings coverage of net charge-offs (x)	216.4286%	566
Efficiency ratio	63.7213%	2,518
Assets per employee ($millions)	6.2769%	2,487
Cash dividends to net income (ytd only)*	0.0000%	2,909
Condition Ratios (%)
Loss allowance to loans	0.9077%	3,759
Loan loss allowance to noncurrent loans	737.8261%	1,180
Noncurrent assets plus other real estate owned to assets	0.0916%	2,899
Noncurrent loans to loans	0.1230%	2,859
Net loans and leases to total assets	73.7900%	1,319
Net loans and leases to deposits	87.2802%	1,403
Net loans and leases to core deposits	106.4431%	964
Total domestic deposits to total assets	84.5400%	2,675
Equity capital to assets	9.9656%	1,878
Core capital (leverage) ratio	11.3794%	1,693
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	18.8424%	837
Memoranda:
Average total assets	$234,157,000	2,789
Average earning assets	$223,645,667	2,742
Average equity	$24,702,667	2,534
Average total loans	$174,732,000	2,487
2023-03-31		Rank
Percentage of unprofitable institutions	0.0000%	1
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.5646%	2,160
Cost of funding earning assets	1.0784%	1,818
Net interest margin	3.4862%	2,404
Noninterest income to average assets	0.3500%	2,725
Noninterest expense to average assets	2.3536%	2,657
Loan and lease loss provision to assets	0.0000%	2,553
Net operating income to assets	1.0031%	2,513
Return on assets (ROA)	1.0031%	2,483
Pretax return on assets	1.3168%	2,133
Return on Equity (ROE)	9.2200%	2,990
Retained earnings to average equity (ytd only)	9.2244%	1,880
Net charge-offs to loans	0.0047%	1,795
Credit loss provision to net charge-offs	0.0000%	1,422
Earnings coverage of net charge-offs (x)	371.5000%	300
Efficiency ratio	64.1236%	2,439
Assets per employee ($millions)	5.9401%	2,814
Cash dividends to net income (ytd only)*	0.0000%	2,306
Condition Ratios (%)
Loss allowance to loans	1.0012%	3,512
Loan loss allowance to noncurrent loans	2,070.7317%	569
Noncurrent assets plus other real estate owned to assets	0.0363%	3,422
Noncurrent loans to loans	0.0484%	3,392
Net loans and leases to total assets	74.3800%	1,148
Net loans and leases to deposits	91.9084%	922
Net loans and leases to core deposits	100.9100%	1,051
Total domestic deposits to total assets	80.9300%	3,645
Equity capital to assets	10.9633%	1,357
Core capital (leverage) ratio	12.2734%	1,214
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	18.2416%	956
Memoranda:
Average total assets	$225,698,500	2,868
Average earning assets	$215,134,500	2,825
Average equity	$24,543,500	2,568
Average total loans	$168,619,500	2,557
2022-12-31		Rank
Percentage of unprofitable institutions	0.0000%	1
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.9930%	1,735
Cost of funding earning assets	0.3786%	2,271
Net interest margin	3.6145%	1,605
Noninterest income to average assets	0.4300%	2,497
Noninterest expense to average assets	2.4445%	2,289
Loan and lease loss provision to assets	0.0400%	2,129
Net operating income to assets	1.0684%	2,306
Return on assets (ROA)	1.0684%	2,244
Pretax return on assets	1.3987%	1,774
Return on Equity (ROE)	8.8900%	3,154
Retained earnings to average equity (ytd only)	5.4856%	2,835
Net charge-offs to loans	0.0426%	1,266
Credit loss provision to net charge-offs	145.1613%	1,321
Earnings coverage of net charge-offs (x)	48.3065%	1,387
Efficiency ratio	62.8964%	2,645
Assets per employee ($millions)	5.7865%	2,962
Cash dividends to net income (ytd only)*	38.3055%	2,002
Condition Ratios (%)
Loss allowance to loans	0.8637%	3,884
Loan loss allowance to noncurrent loans	813.4831%	1,151
Noncurrent assets plus other real estate owned to assets	0.0789%	3,012
Noncurrent loans to loans	0.1062%	3,005
Net loans and leases to total assets	73.6500%	1,253
Net loans and leases to deposits	100.2552%	430
Net loans and leases to core deposits	106.7231%	723
Total domestic deposits to total assets	73.4600%	4,374
Equity capital to assets	10.7856%	1,340
Core capital (leverage) ratio	12.6113%	1,054
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	18.1914%	955
Memoranda:
Average total assets	$207,687,200	2,993
Average earning assets	$198,646,400	2,949
Average equity	$24,956,400	2,584
Average total loans	$145,568,000	2,672
2022-09-30		Rank
Percentage of unprofitable institutions	0.0000%	1
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.8593%	1,590
Cost of funding earning assets	0.2725%	2,462
Net interest margin	3.5867%	1,422
Noninterest income to average assets	0.3600%	2,976
Noninterest expense to average assets	2.3997%	2,329
Loan and lease loss provision to assets	0.0000%	2,752
Net operating income to assets	1.0722%	2,197
Return on assets (ROA)	1.0722%	2,160
Pretax return on assets	1.4023%	1,712
Return on Equity (ROE)	8.6800%	3,121
Retained earnings to average equity (ytd only)	8.6761%	1,763
Net charge-offs to loans	0.0533%	952
Credit loss provision to net charge-offs	0.0000%	1,679
Earnings coverage of net charge-offs (x)	38.1607%	1,409
Efficiency ratio	63.1170%	2,670
Assets per employee ($millions)	6.0194%	2,745
Cash dividends to net income (ytd only)*	0.0000%	3,071
Condition Ratios (%)
Loss allowance to loans	0.8859%	3,900
Loan loss allowance to noncurrent loans	213.4585%	2,603
Noncurrent assets plus other real estate owned to assets	0.3033%	1,736
Noncurrent loans to loans	0.4150%	1,774
Net loans and leases to total assets	72.4300%	1,240
Net loans and leases to deposits	90.6985%	846
Net loans and leases to core deposits	96.0813%	995
Total domestic deposits to total assets	79.8600%	4,113
Equity capital to assets	11.2413%	1,084
Core capital (leverage) ratio	13.4342%	794
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	19.3902%	804
Memoranda:
Average total assets	$203,191,000	3,048
Average earning assets	$194,713,000	2,986
Average equity	$25,110,500	2,617
Average total loans	$140,047,500	2,730
2022-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.7443%	1,431
Cost of funding earning assets	0.2543%	2,206
Net interest margin	3.4900%	1,339
Noninterest income to average assets	0.3697%	2,929
Noninterest expense to average assets	2.4136%	2,188
Loan and lease loss provision to assets	0.0000%	2,599
Net operating income to assets	1.0035%	2,140
Return on assets (ROA)	1.0035%	2,113
Pretax return on assets	1.3075%	1,725
Return on Equity (ROE)	7.8714%	3,053
Retained earnings to average equity (ytd only)	7.8714%	1,668
Net charge-offs to loans	0.0739%	721
Credit loss provision to net charge-offs	0.0000%	1,663
Earnings coverage of net charge-offs (x)	26.2400%	1,451
Efficiency ratio	64.8634%	2,655
Assets per employee ($millions)	5.7546%	2,973
Cash dividends to net income (ytd only)*	0.0000%	2,927
Condition Ratios (%)
Loss allowance to loans	0.9725%	3,716
Loan loss allowance to noncurrent loans	213.0638%	2,589
Noncurrent assets plus other real estate owned to assets	0.3192%	1,729
Noncurrent loans to loans	0.4564%	1,746
Net loans and leases to total assets	69.2632%	1,374
Net loans and leases to deposits	80.3450%	1,361
Net loans and leases to core deposits	83.7418%	1,467
Total domestic deposits to total assets	86.2072%	3,195
Equity capital to assets	11.8554%	924
Core capital (leverage) ratio	13.0616%	808
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	20.4162%	667
Memoranda:
Average total assets	$200,695,000	3,093
Average earning assets	$192,719,667	3,041
Average equity	$25,586,333	2,645
Average total loans	$135,407,667	2,794
2022-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.5765%	1,571
Cost of funding earning assets	0.2553%	2,100
Net interest margin	3.3212%	1,524
Noninterest income to average assets	0.3534%	2,977
Noninterest expense to average assets	2.3920%	2,195
Loan and lease loss provision to assets	0.0000%	2,285
Net operating income to assets	0.8945%	2,290
Return on assets (ROA)	0.8945%	2,293
Pretax return on assets	1.1560%	1,963
Return on Equity (ROE)	6.7775%	3,106
Retained earnings to average equity (ytd only)	6.7775%	1,968
Net charge-offs to loans	0.1477%	393
Credit loss provision to net charge-offs	0.0000%	1,336
Earnings coverage of net charge-offs (x)	11.8163%	1,432
Efficiency ratio	67.4170%	2,578
Assets per employee ($millions)	5.9153%	2,880
Cash dividends to net income (ytd only)*	0.0000%	2,254
Condition Ratios (%)
Loss allowance to loans	0.9987%	3,740
Loan loss allowance to noncurrent loans	197.6945%	2,626
Noncurrent assets plus other real estate owned to assets	0.3352%	1,769
Noncurrent loans to loans	0.5052%	1,766
Net loans and leases to total assets	65.6926%	1,443
Net loans and leases to deposits	78.3170%	1,264
Net loans and leases to core deposits	81.7796%	1,362
Total domestic deposits to total assets	83.8804%	3,793
Equity capital to assets	12.3825%	835
Core capital (leverage) ratio	12.7230%	839
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	20.2338%	724
Memoranda:
Average total assets	$200,337,500	3,101
Average earning assets	$192,704,000	3,058
Average equity	$26,440,500	2,687
Average total loans	$132,675,000	2,821
2021-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.8037%	1,855
Cost of funding earning assets	0.3131%	2,266
Net interest margin	3.4906%	1,765
Noninterest income to average assets	0.4021%	3,031
Noninterest expense to average assets	2.3326%	2,707
Loan and lease loss provision to assets	0.0000%	3,064
Net operating income to assets	1.0896%	2,335
Return on assets (ROA)	1.0928%	2,389
Pretax return on assets	1.4278%	1,953
Return on Equity (ROE)	7.9190%	3,243
Retained earnings to average equity (ytd only)	4.8987%	2,824
Net charge-offs to loans	0.0185%	1,912
Credit loss provision to net charge-offs	0.0000%	2,330
Earnings coverage of net charge-offs (x)	121.7826%	776
Efficiency ratio	62.0974%	2,853
Assets per employee ($millions)	5.6953%	3,061
Cash dividends to net income (ytd only)*	38.1395%	2,128
Condition Ratios (%)
Loss allowance to loans	1.1096%	3,319
Loan loss allowance to noncurrent loans	190.6040%	2,666
Noncurrent assets plus other real estate owned to assets	0.3847%	1,689
Noncurrent loans to loans	0.5822%	1,682
Net loans and leases to total assets	65.3539%	1,549
Net loans and leases to deposits	79.9383%	1,220
Net loans and leases to core deposits	83.9978%	1,331
Total domestic deposits to total assets	81.7554%	4,003
Equity capital to assets	14.0699%	649
Core capital (leverage) ratio	12.8494%	841
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	21.2155%	629
Memoranda:
Average total assets	$196,734,800	3,086
Average earning assets	$189,051,600	3,039
Average equity	$27,150,000	2,713
Average total loans	$124,392,800	2,907
2021-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.8696%	1,857
Cost of funding earning assets	0.3237%	2,362
Net interest margin	3.5459%	1,741
Noninterest income to average assets	0.3814%	3,204
Noninterest expense to average assets	2.2311%	2,971
Loan and lease loss provision to assets	0.0000%	2,963
Net operating income to assets	1.1872%	2,211
Return on assets (ROA)	1.1915%	2,254
Pretax return on assets	1.5648%	1,810
Return on Equity (ROE)	8.6753%	3,207
Retained earnings to average equity (ytd only)	8.6753%	1,813
Net charge-offs to loans	0.0162%	1,749
Credit loss provision to net charge-offs	0.0000%	2,044
Earnings coverage of net charge-offs (x)	154.0000%	668
Efficiency ratio	58.8602%	3,146
Assets per employee ($millions)	5.9998%	2,698
Cash dividends to net income (ytd only)*	0.0000%	3,236
Condition Ratios (%)
Loss allowance to loans	1.1617%	3,154
Loan loss allowance to noncurrent loans	425.0000%	1,541
Noncurrent assets plus other real estate owned to assets	0.1697%	2,992
Noncurrent loans to loans	0.2733%	2,823
Net loans and leases to total assets	61.3621%	2,098
Net loans and leases to deposits	75.2380%	1,743
Net loans and leases to core deposits	79.5355%	1,779
Total domestic deposits to total assets	81.5573%	4,003
Equity capital to assets	14.1334%	703
Core capital (leverage) ratio	13.1128%	817
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	21.6799%	627
Memoranda:
Average total assets	$197,508,250	3,120
Average earning assets	$189,886,500	3,063
Average equity	$27,126,250	2,743
Average total loans	$123,498,000	2,958
2021-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.0337%	1,485
Cost of funding earning assets	0.3371%	2,431
Net interest margin	3.6966%	1,355
Noninterest income to average assets	0.3871%	3,174
Noninterest expense to average assets	2.2154%	3,033
Loan and lease loss provision to assets	0.0000%	2,862
Net operating income to assets	1.3060%	1,850
Return on assets (ROA)	1.3124%	1,900
Pretax return on assets	1.7360%	1,397
Return on Equity (ROE)	9.6495%	2,889
Retained earnings to average equity (ytd only)	9.6495%	1,509
Net charge-offs to loans	0.0081%	1,841
Credit loss provision to net charge-offs	0.0000%	1,801
Earnings coverage of net charge-offs (x)	341.0000%	344
Efficiency ratio	56.1809%	3,518
Assets per employee ($millions)	5.9997%	2,610
Cash dividends to net income (ytd only)*	0.0000%	3,087
Condition Ratios (%)
Loss allowance to loans	1.1773%	3,063
Loan loss allowance to noncurrent loans	412.3209%	1,475
Noncurrent assets plus other real estate owned to assets	0.1711%	3,126
Noncurrent loans to loans	0.2855%	2,907
Net loans and leases to total assets	59.2125%	2,520
Net loans and leases to deposits	72.0394%	2,199
Net loans and leases to core deposits	78.1196%	2,033
Total domestic deposits to total assets	82.1946%	3,887
Equity capital to assets	13.4385%	833
Core capital (leverage) ratio	12.5244%	923
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	21.3516%	660
Memoranda:
Average total assets	$197,347,000	3,122
Average earning assets	$189,851,667	3,068
Average equity	$26,840,667	2,756
Average total loans	$123,690,667	2,973
2021-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.2701%	1,090
Cost of funding earning assets	0.3599%	2,446
Net interest margin	3.9101%	967
Noninterest income to average assets	0.4103%	3,037
Noninterest expense to average assets	2.1976%	3,120
Loan and lease loss provision to assets	0.0000%	2,741
Net operating income to assets	1.4816%	1,371
Return on assets (ROA)	1.4946%	1,409
Pretax return on assets	1.9915%	958
Return on Equity (ROE)	10.9209%	2,389
Retained earnings to average equity (ytd only)	10.9209%	1,421
Net charge-offs to loans	0.0096%	1,568
Credit loss provision to net charge-offs	0.0000%	1,471
Earnings coverage of net charge-offs (x)	319.3333%	283
Efficiency ratio	52.6680%	3,942
Assets per employee ($millions)	5.8234%	2,766
Cash dividends to net income (ytd only)*	0.0000%	2,433
Condition Ratios (%)
Loss allowance to loans	1.1665%	3,113
Loan loss allowance to noncurrent loans	393.4426%	1,410
Noncurrent assets plus other real estate owned to assets	0.1796%	3,272
Noncurrent loans to loans	0.2965%	3,037
Net loans and leases to total assets	59.8616%	2,558
Net loans and leases to deposits	72.8322%	2,231
Net loans and leases to core deposits	78.7934%	2,112
Total domestic deposits to total assets	82.1911%	3,855
Equity capital to assets	13.1130%	882
Core capital (leverage) ratio	12.7027%	924
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	20.7494%	704
Memoranda:
Average total assets	$194,026,000	3,132
Average earning assets	$186,695,500	3,082
Average equity	$26,554,500	2,762
Average total loans	$124,423,000	2,969
2020-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.2741%	1,944
Cost of funding earning assets	0.5862%	2,406
Net interest margin	3.6879%	1,842
Noninterest income to average assets	0.4918%	2,666
Noninterest expense to average assets	2.4913%	2,876
Loan and lease loss provision to assets	0.0500%	3,759
Net operating income to assets	1.1334%	1,791
Return on assets (ROA)	1.1509%	1,844
Pretax return on assets	1.4966%	1,334
Return on Equity (ROE)	8.1352%	2,760
Retained earnings to average equity (ytd only)	5.0319%	2,261
Net charge-offs to loans	0.0081%	3,040
Credit loss provision to net charge-offs	900.0000%	832
Earnings coverage of net charge-offs (x)	274.3000%	367
Efficiency ratio	62.0399%	3,124
Assets per employee ($millions)	5.4186%	2,935
Cash dividends to net income (ytd only)*	38.1458%	2,443
Condition Ratios (%)
Loss allowance to loans	1.1508%	3,204
Loan loss allowance to noncurrent loans	289.1784%	1,761
Noncurrent assets plus other real estate owned to assets	0.2709%	2,946
Noncurrent loans to loans	0.3979%	2,780
Net loans and leases to total assets	67.2809%	1,920
Net loans and leases to deposits	83.6887%	1,489
Net loans and leases to core deposits	91.5201%	1,421
Total domestic deposits to total assets	80.3943%	3,981
Equity capital to assets	14.3200%	728
Core capital (leverage) ratio	12.9691%	905
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	20.3817%	731
Memoranda:
Average total assets	$179,943,400	3,104
Average earning assets	$171,943,000	3,052
Average equity	$25,457,400	2,767
Average total loans	$123,185,600	2,948
2020-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.3528%	1,966
Cost of funding earning assets	0.6349%	2,406
Net interest margin	3.7179%	1,884
Noninterest income to average assets	0.4756%	2,714
Noninterest expense to average assets	2.4471%	2,998
Loan and lease loss provision to assets	0.0671%	3,495
Net operating income to assets	1.1594%	1,789
Return on assets (ROA)	1.1829%	1,819
Pretax return on assets	1.5400%	1,354
Return on Equity (ROE)	8.3879%	2,653
Retained earnings to average equity (ytd only)	8.3879%	1,178
Net charge-offs to loans	0.0076%	2,850
Credit loss provision to net charge-offs	1,285.7143%	697
Earnings coverage of net charge-offs (x)	302.2857%	356
Efficiency ratio	60.8076%	3,257
Assets per employee ($millions)	5.3849%	2,807
Cash dividends to net income (ytd only)*	0.0000%	3,332
Condition Ratios (%)
Loss allowance to loans	1.1772%	2,794
Loan loss allowance to noncurrent loans	255.0265%	1,837
Noncurrent assets plus other real estate owned to assets	0.3097%	2,919
Noncurrent loans to loans	0.4616%	2,670
Net loans and leases to total assets	66.2984%	2,483
Net loans and leases to deposits	82.8598%	2,031
Net loans and leases to core deposits	91.7670%	1,814
Total domestic deposits to total assets	80.0127%	3,864
Equity capital to assets	14.5281%	721
Core capital (leverage) ratio	13.4516%	849
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	20.4219%	734
Memoranda:
Average total assets	$178,871,250	3,100
Average earning assets	$170,735,500	3,055
Average equity	$25,226,250	2,776
Average total loans	$122,633,000	2,963
2020-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.4982%	1,920
Cost of funding earning assets	0.6891%	2,453
Net interest margin	3.8091%	1,814
Noninterest income to average assets	0.4418%	2,846
Noninterest expense to average assets	2.4884%	2,992
Loan and lease loss provision to assets	0.1014%	2,998
Net operating income to assets	1.1441%	1,828
Return on assets (ROA)	1.1788%	1,834
Pretax return on assets	1.5338%	1,378
Return on Equity (ROE)	8.4462%	2,582
Retained earnings to average equity (ytd only)	8.4462%	1,176
Net charge-offs to loans	0.0033%	2,877
Credit loss provision to net charge-offs	4,500.0000%	259
Earnings coverage of net charge-offs (x)	706.0000%	142
Efficiency ratio	60.9945%	3,279
Assets per employee ($millions)	5.5197%	2,622
Cash dividends to net income (ytd only)*	0.0000%	3,182
Condition Ratios (%)
Loss allowance to loans	1.1717%	2,655
Loan loss allowance to noncurrent loans	265.2651%	1,714
Noncurrent assets plus other real estate owned to assets	0.3003%	3,106
Noncurrent loans to loans	0.4417%	2,834
Net loans and leases to total assets	67.1897%	2,474
Net loans and leases to deposits	84.2664%	1,974
Net loans and leases to core deposits	93.7457%	1,763
Total domestic deposits to total assets	79.7348%	3,890
Equity capital to assets	14.2613%	791
Core capital (leverage) ratio	13.4107%	899
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	19.4796%	846
Memoranda:
Average total assets	$177,466,333	3,093
Average earning assets	$169,488,333	3,050
Average equity	$24,768,667	2,796
Average total loans	$122,567,667	2,943
2020-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.4947%	2,323
Cost of funding earning assets	0.7348%	2,757
Net interest margin	3.7600%	2,113
Noninterest income to average assets	0.4066%	3,050
Noninterest expense to average assets	2.5034%	3,262
Loan and lease loss provision to assets	0.0914%	2,545
Net operating income to assets	1.0779%	1,911
Return on assets (ROA)	1.1375%	1,837
Pretax return on assets	1.4755%	1,369
Return on Equity (ROE)	8.2435%	2,411
Retained earnings to average equity (ytd only)	8.2435%	1,157
Net charge-offs to loans	0.0000%	2,581
Credit loss provision to net charge-offs	NA	NA
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	62.6644%	3,416
Assets per employee ($millions)	5.1789%	2,452
Cash dividends to net income (ytd only)*	0.0000%	2,581
Condition Ratios (%)
Loss allowance to loans	1.1546%	2,914
Loan loss allowance to noncurrent loans	297.8769%	1,522
Noncurrent assets plus other real estate owned to assets	0.2675%	3,390
Noncurrent loans to loans	0.3876%	3,097
Net loans and leases to total assets	68.2146%	2,509
Net loans and leases to deposits	82.4699%	2,390
Net loans and leases to core deposits	94.0802%	1,967
Total domestic deposits to total assets	82.7145%	3,200
Equity capital to assets	13.5833%	1,185
Core capital (leverage) ratio	13.1823%	1,142
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	19.2231%	952
Memoranda:
Average total assets	$175,124,500	3,084
Average earning assets	$167,128,500	3,042
Average equity	$24,164,500	2,837
Average total loans	$121,933,000	2,934
2019-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.5202%	2,876
Cost of funding earning assets	0.6718%	3,304
Net interest margin	3.8484%	2,341
Noninterest income to average assets	0.4123%	3,216
Noninterest expense to average assets	2.5425%	3,342
Loan and lease loss provision to assets	0.0000%	3,973
Net operating income to assets	1.1748%	2,154
Return on assets (ROA)	1.1748%	2,253
Pretax return on assets	1.5309%	1,709
Return on Equity (ROE)	8.4616%	2,957
Retained earnings to average equity (ytd only)	5.3027%	2,271
Net charge-offs to loans	0.0108%	3,306
Credit loss provision to net charge-offs	0.0000%	3,383
Earnings coverage of net charge-offs (x)	201.3846%	399
Efficiency ratio	62.4175%	3,304
Assets per employee ($millions)	5.1225%	2,430
Cash dividends to net income (ytd only)*	37.3320%	2,734
Condition Ratios (%)
Loss allowance to loans	1.1140%	2,861
Loan loss allowance to noncurrent loans	282.7801%	1,601
Noncurrent assets plus other real estate owned to assets	0.2767%	3,323
Noncurrent loans to loans	0.3940%	3,024
Net loans and leases to total assets	69.4657%	2,485
Net loans and leases to deposits	84.6748%	2,250
Net loans and leases to core deposits	97.0037%	1,815
Total domestic deposits to total assets	82.0383%	3,504
Equity capital to assets	14.0160%	1,089
Core capital (leverage) ratio	13.1201%	1,191
Tier 1 risk-based capital ratio	18.2813%	1,693
Total risk-based capital ratio	19.3617%	1,689
Memoranda:
Average total assets	$171,009,600	3,104
Average earning assets	$162,691,000	3,059
Average equity	$23,742,600	2,819
Average total loans	$120,693,600	2,938
2019-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.5075%	3,035
Cost of funding earning assets	0.6430%	3,489
Net interest margin	3.8645%	2,387
Noninterest income to average assets	0.4120%	3,246
Noninterest expense to average assets	2.5120%	3,401
Loan and lease loss provision to assets	0.0000%	3,836
Net operating income to assets	1.2078%	2,170
Return on assets (ROA)	1.2078%	2,245
Pretax return on assets	1.5767%	1,711
Return on Equity (ROE)	8.7207%	2,999
Retained earnings to average equity (ytd only)	8.7207%	1,127
Net charge-offs to loans	0.0100%	3,017
Credit loss provision to net charge-offs	0.0000%	3,032
Earnings coverage of net charge-offs (x)	223.6608%	412
Efficiency ratio	61.4368%	3,414
Assets per employee ($millions)	5.1237%	2,420
Cash dividends to net income (ytd only)*	0.0000%	3,563
Condition Ratios (%)
Loss allowance to loans	1.1391%	2,832
Loan loss allowance to noncurrent loans	215.2756%	1,986
Noncurrent assets plus other real estate owned to assets	0.3645%	3,041
Noncurrent loans to loans	0.5291%	2,700
Net loans and leases to total assets	68.1021%	2,776
Net loans and leases to deposits	83.6103%	2,500
Net loans and leases to core deposits	95.8675%	2,014
Total domestic deposits to total assets	81.4518%	3,626
Equity capital to assets	14.1746%	1,085
Core capital (leverage) ratio	13.6557%	1,092
Tier 1 risk-based capital ratio	17.9582%	1,834
Total risk-based capital ratio	19.0108%	1,837
Memoranda:
Average total assets	$170,220,750	3,143
Average earning assets	$161,947,500	3,099
Average equity	$23,575,500	2,842
Average total loans	$120,280,000	2,972
2019-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.4986%	3,023
Cost of funding earning assets	0.6014%	3,642
Net interest margin	3.8972%	2,250
Noninterest income to average assets	0.3896%	3,342
Noninterest expense to average assets	2.5057%	3,459
Loan and lease loss provision to assets	0.0000%	3,685
Net operating income to assets	1.2185%	2,074
Return on assets (ROA)	1.2185%	2,132
Pretax return on assets	1.5904%	1,575
Return on Equity (ROE)	8.8695%	2,910
Retained earnings to average equity (ytd only)	8.8695%	1,068
Net charge-offs to loans	0.0116%	2,722
Credit loss provision to net charge-offs	0.0000%	2,725
Earnings coverage of net charge-offs (x)	191.8571%	403
Efficiency ratio	61.1737%	3,560
Assets per employee ($millions)	4.9682%	2,518
Cash dividends to net income (ytd only)*	0.0000%	3,431
Condition Ratios (%)
Loss allowance to loans	1.1245%	2,934
Loan loss allowance to noncurrent loans	263.7765%	1,761
Noncurrent assets plus other real estate owned to assets	0.3072%	3,306
Noncurrent loans to loans	0.4263%	3,005
Net loans and leases to total assets	71.2584%	2,332
Net loans and leases to deposits	88.0901%	2,000
Net loans and leases to core deposits	100.9866%	1,632
Total domestic deposits to total assets	80.8926%	3,848
Equity capital to assets	14.2559%	1,028
Core capital (leverage) ratio	13.6648%	1,062
Tier 1 risk-based capital ratio	17.4907%	1,942
Total risk-based capital ratio	18.5415%	1,952
Memoranda:
Average total assets	$168,892,330	3,167
Average earning assets	$160,627,330	3,127
Average equity	$23,203,000	2,864
Average total loans	$120,371,670	2,985
2019-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.4947%	2,885
Cost of funding earning assets	0.5625%	3,772
Net interest margin	3.9322%	2,085
Noninterest income to average assets	0.3766%	3,342
Noninterest expense to average assets	2.5178%	3,450
Loan and lease loss provision to assets	0.0000%	3,406
Net operating income to assets	1.2293%	1,950
Return on assets (ROA)	1.2293%	1,999
Pretax return on assets	1.6011%	1,468
Return on Equity (ROE)	9.1197%	2,759
Retained earnings to average equity (ytd only)	9.1197%	1,281
Net charge-offs to loans	0.0201%	2,054
Credit loss provision to net charge-offs	0.0000%	2,210
Earnings coverage of net charge-offs (x)	112.6667%	615
Efficiency ratio	61.1271%	3,660
Assets per employee ($millions)	4.8572%	2,693
Cash dividends to net income (ytd only)*	0.0000%	2,768
Condition Ratios (%)
Loss allowance to loans	1.1709%	2,735
Loan loss allowance to noncurrent loans	246.2230%	1,849
Noncurrent assets plus other real estate owned to assets	0.3367%	3,255
Noncurrent loans to loans	0.4755%	2,890
Net loans and leases to total assets	69.9694%	2,488
Net loans and leases to deposits	84.9758%	2,260
Net loans and leases to core deposits	96.0180%	1,928
Total domestic deposits to total assets	82.3404%	3,634
Equity capital to assets	14.0404%	1,024
Core capital (leverage) ratio	13.2614%	1,161
Tier 1 risk-based capital ratio	17.4015%	1,973
Total risk-based capital ratio	18.4724%	1,981
Memoranda:
Average total assets	$168,879,000	3,203
Average earning assets	$160,724,000	3,159
Average equity	$22,764,000	2,905
Average total loans	$119,688,500	3,023
2018-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.2605%	3,244
Cost of funding earning assets	0.4210%	3,854
Net interest margin	3.8396%	2,539
Noninterest income to average assets	0.3825%	3,541
Noninterest expense to average assets	2.5094%	3,588
Loan and lease loss provision to assets	0.0000%	4,082
Net operating income to assets	1.1708%	2,307
Return on assets (ROA)	1.1708%	2,300
Pretax return on assets	1.5213%	1,709
Return on Equity (ROE)	9.1637%	2,910
Retained earnings to average equity (ytd only)	5.6550%	2,384
Net charge-offs to loans	0.0337%	2,731
Credit loss provision to net charge-offs	0.0000%	3,452
Earnings coverage of net charge-offs (x)	65.3250%	974
Efficiency ratio	62.2562%	3,477
Assets per employee ($millions)	5.2307%	2,226
Cash dividends to net income (ytd only)*	38.2894%	2,621
Condition Ratios (%)
Loss allowance to loans	1.1228%	2,966
Loan loss allowance to noncurrent loans	304.8780%	1,623
Noncurrent assets plus other real estate owned to assets	0.2613%	3,540
Noncurrent loans to loans	0.3683%	3,219
Net loans and leases to total assets	70.1465%	2,543
Net loans and leases to deposits	87.4655%	2,120
Net loans and leases to core deposits	97.6169%	1,895
Total domestic deposits to total assets	80.1991%	4,061
Equity capital to assets	12.9428%	1,374
Core capital (leverage) ratio	12.7435%	1,349
Tier 1 risk-based capital ratio	16.5869%	2,212
Total risk-based capital ratio	17.6378%	2,214
Memoranda:
Average total assets	$171,756,000	3,154
Average earning assets	$163,195,600	3,102
Average equity	$21,945,200	2,898
Average total loans	$118,634,600	3,009
2018-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.2239%	3,231
Cost of funding earning assets	0.3940%	3,904
Net interest margin	3.8299%	2,528
Noninterest income to average assets	0.3824%	3,588
Noninterest expense to average assets	2.4693%	3,678
Loan and lease loss provision to assets	0.0000%	3,948
Net operating income to assets	1.1938%	2,267
Return on assets (ROA)	1.1938%	2,268
Pretax return on assets	1.5545%	1,722
Return on Equity (ROE)	9.3744%	2,917
Retained earnings to average equity (ytd only)	9.3744%	1,085
Net charge-offs to loans	0.0351%	2,386
Credit loss provision to net charge-offs	0.0000%	3,085
Earnings coverage of net charge-offs (x)	64.5197%	1,010
Efficiency ratio	61.3676%	3,607
Assets per employee ($millions)	5.0866%	2,356
Cash dividends to net income (ytd only)*	0.0000%	3,598
Condition Ratios (%)
Loss allowance to loans	1.1819%	2,729
Loan loss allowance to noncurrent loans	777.5281%	738
Noncurrent assets plus other real estate owned to assets	0.1060%	4,441
Noncurrent loans to loans	0.1520%	4,205
Net loans and leases to total assets	68.9362%	2,806
Net loans and leases to deposits	83.8642%	2,611
Net loans and leases to core deposits	91.1982%	2,546
Total domestic deposits to total assets	82.1998%	3,547
Equity capital to assets	13.3345%	1,198
Core capital (leverage) ratio	13.1232%	1,231
Tier 1 risk-based capital ratio	17.2684%	1,998
Total risk-based capital ratio	18.3563%	2,004
Memoranda:
Average total assets	$171,541,750	3,175
Average earning assets	$163,100,500	3,126
Average equity	$21,846,250	2,926
Average total loans	$117,679,000	3,046
2018-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.1789%	3,174
Cost of funding earning assets	0.3776%	3,886
Net interest margin	3.8013%	2,562
Noninterest income to average assets	0.3855%	3,581
Noninterest expense to average assets	2.4530%	3,768
Loan and lease loss provision to assets	0.0000%	3,782
Net operating income to assets	1.1866%	2,253
Return on assets (ROA)	1.1866%	2,253
Pretax return on assets	1.5454%	1,666
Return on Equity (ROE)	9.4612%	2,819
Retained earnings to average equity (ytd only)	9.4612%	1,082
Net charge-offs to loans	0.0305%	2,248
Credit loss provision to net charge-offs	0.0000%	2,759
Earnings coverage of net charge-offs (x)	74.1667%	869
Efficiency ratio	61.3492%	3,718
Assets per employee ($millions)	5.3007%	2,101
Cash dividends to net income (ytd only)*	0.0000%	3,456
Condition Ratios (%)
Loss allowance to loans	1.2133%	2,645
Loan loss allowance to noncurrent loans	171.6216%	2,522
Noncurrent assets plus other real estate owned to assets	0.4799%	2,840
Noncurrent loans to loans	0.7070%	2,346
Net loans and leases to total assets	67.0583%	3,003
Net loans and leases to deposits	80.0841%	2,935
Net loans and leases to core deposits	87.2873%	2,793
Total domestic deposits to total assets	83.7349%	3,159
Equity capital to assets	13.0090%	1,286
Core capital (leverage) ratio	12.5653%	1,399
Tier 1 risk-based capital ratio	16.7332%	2,184
Total risk-based capital ratio	17.8240%	2,181
Memoranda:
Average total assets	$172,769,670	3,186
Average earning assets	$164,206,000	3,127
Average equity	$21,667,330	2,953
Average total loans	$117,872,330	3,063
2018-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.0874%	3,278
Cost of funding earning assets	0.3722%	3,806
Net interest margin	3.7152%	2,745
Noninterest income to average assets	0.3556%	3,768
Noninterest expense to average assets	2.4962%	3,660
Loan and lease loss provision to assets	0.0000%	3,508
Net operating income to assets	1.0714%	2,559
Return on assets (ROA)	1.0714%	2,571
Pretax return on assets	1.3858%	2,062
Return on Equity (ROE)	8.7013%	3,060
Retained earnings to average equity (ytd only)	8.7013%	1,574
Net charge-offs to loans	0.0034%	2,617
Credit loss provision to net charge-offs	0.0000%	2,201
Earnings coverage of net charge-offs (x)	604.0000%	104
Efficiency ratio	64.3026%	3,431
Assets per employee ($millions)	5.7888%	1,694
Cash dividends to net income (ytd only)*	0.0000%	2,749
Condition Ratios (%)
Loss allowance to loans	1.2062%	2,772
Loan loss allowance to noncurrent loans	165.3037%	2,584
Noncurrent assets plus other real estate owned to assets	0.4929%	2,888
Noncurrent loans to loans	0.7297%	2,387
Net loans and leases to total assets	66.7385%	2,932
Net loans and leases to deposits	79.1196%	2,905
Net loans and leases to core deposits	85.9996%	2,804
Total domestic deposits to total assets	84.3513%	3,168
Equity capital to assets	12.3838%	1,559
Core capital (leverage) ratio	12.0895%	1,597
Tier 1 risk-based capital ratio	16.0226%	2,460
Total risk-based capital ratio	17.1106%	2,472
Memoranda:
Average total assets	$174,344,000	3,201
Average earning assets	$165,482,500	3,143
Average equity	$21,468,000	3,000
Average total loans	$119,237,500	3,076
2017-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.6808%	4,379
Cost of funding earning assets	0.3194%	3,958
Net interest margin	3.3613%	3,968
Noninterest income to average assets	0.3321%	4,094
Noninterest expense to average assets	2.2766%	4,398
Loan and lease loss provision to assets	0.0566%	3,097
Net operating income to assets	0.8944%	2,743
Return on assets (ROA)	0.8990%	2,749
Pretax return on assets	1.2079%	2,746
Return on Equity (ROE)	6.8794%	3,341
Retained earnings to average equity (ytd only)	-20.3526%	5,622
Net charge-offs to loans	-0.2629%	5,550
Credit loss provision to net charge-offs	-30.8642%	4,621
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	64.4046%	3,549
Assets per employee ($millions)	5.6460%	1,796
Cash dividends to net income (ytd only)*	395.8464%	30
Condition Ratios (%)
Loss allowance to loans	1.1687%	2,964
Loan loss allowance to noncurrent loans	652.5346%	890
Noncurrent assets plus other real estate owned to assets	0.1240%	4,508
Noncurrent loans to loans	0.1791%	4,203
Net loans and leases to total assets	68.4154%	2,764
Net loans and leases to deposits	82.8896%	2,621
Net loans and leases to core deposits	90.2088%	2,549
Total domestic deposits to total assets	82.5379%	3,719
Equity capital to assets	12.2440%	1,677
Core capital (leverage) ratio	11.7948%	1,731
Tier 1 risk-based capital ratio	15.3117%	2,696
Total risk-based capital ratio	16.3709%	2,721
Memoranda:
Average total assets	$176,756,000	3,160
Average earning assets	$168,416,600	3,098
Average equity	$23,097,800	2,853
Average total loans	$123,218,600	3,011
2017-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.5014%	4,813
Cost of funding earning assets	0.2913%	4,217
Net interest margin	3.2101%	4,430
Noninterest income to average assets	0.3198%	4,247
Noninterest expense to average assets	2.1596%	4,617
Loan and lease loss provision to assets	0.0752%	2,567
Net operating income to assets	0.8079%	3,493
Return on assets (ROA)	0.8142%	3,511
Pretax return on assets	1.1618%	3,058
Return on Equity (ROE)	6.1350%	4,061
Retained earnings to average equity (ytd only)	-25.6173%	5,696
Net charge-offs to loans	0.1390%	1,414
Credit loss provision to net charge-offs	77.5194%	2,618
Earnings coverage of net charge-offs (x)	12.6509%	2,410
Efficiency ratio	63.7494%	3,596
Assets per employee ($millions)	5.4358%	1,987
Cash dividends to net income (ytd only)*	517.5603%	18
Condition Ratios (%)
Loss allowance to loans	0.7864%	4,924
Loan loss allowance to noncurrent loans	107.1190%	3,406
Noncurrent assets plus other real estate owned to assets	0.6606%	2,527
Noncurrent loans to loans	0.7342%	2,521
Net loans and leases to total assets	69.8445%	2,582
Net loans and leases to deposits	84.7779%	2,466
Net loans and leases to core deposits	92.7030%	2,379
Total domestic deposits to total assets	82.3852%	3,660
Equity capital to assets	12.5373%	1,641
Core capital (leverage) ratio	12.9087%	1,250
Tier 1 risk-based capital ratio	15.5947%	2,672
Total risk-based capital ratio	16.3153%	2,820
Memoranda:
Average total assets	$177,188,750	3,180
Average earning assets	$169,336,750	3,106
Average equity	$23,514,750	2,831
Average total loans	$123,733,250	3,032
2017-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.1582%	2,638
Cost of funding earning assets	0.3528%	3,552
Net interest margin	3.8054%	2,267
Noninterest income to average assets	0.3842%	3,797
Noninterest expense to average assets	2.5044%	3,734
Loan and lease loss provision to assets	0.0926%	2,138
Net operating income to assets	1.0454%	2,227
Return on assets (ROA)	1.0585%	2,210
Pretax return on assets	1.4844%	1,704
Return on Equity (ROE)	7.2242%	3,440
Retained earnings to average equity (ytd only)	-51.7490%	5,763
Net charge-offs to loans	0.2784%	728
Credit loss provision to net charge-offs	45.4545%	2,602
Earnings coverage of net charge-offs (x)	7.6515%	2,582
Efficiency ratio	61.6407%	4,062
Assets per employee ($millions)	5.6164%	1,776
Cash dividends to net income (ytd only)*	816.3265%	11
Condition Ratios (%)
Loss allowance to loans	0.9507%	4,415
Loan loss allowance to noncurrent loans	98.6052%	3,591
Noncurrent assets plus other real estate owned to assets	0.9150%	1,922
Noncurrent loans to loans	0.9641%	2,032
Net loans and leases to total assets	74.1225%	1,841
Net loans and leases to deposits	91.9082%	1,505
Net loans and leases to core deposits	103.1544%	1,427
Total domestic deposits to total assets	80.6484%	4,270
Equity capital to assets	12.2676%	1,749
Core capital (leverage) ratio	11.8400%	1,741
Tier 1 risk-based capital ratio	15.1013%	2,885
Total risk-based capital ratio	15.9942%	2,974
Memoranda:
Average total assets	$129,614,330	3,807
Average earning assets	$125,295,000	3,718
Average equity	$18,991,670	3,277
Average total loans	$94,834,330	3,475
2017-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.0816%	2,718
Cost of funding earning assets	0.3409%	3,623
Net interest margin	3.7407%	2,350
Noninterest income to average assets	0.4436%	3,346
Noninterest expense to average assets	2.4924%	3,834
Loan and lease loss provision to assets	0.1386%	1,370
Net operating income to assets	1.0259%	2,189
Return on assets (ROA)	1.0259%	2,243
Pretax return on assets	1.4295%	1,770
Return on Equity (ROE)	6.4773%	3,678
Retained earnings to average equity (ytd only)	6.4773%	2,097
Net charge-offs to loans	0.5579%	317
Credit loss provision to net charge-offs	34.3511%	2,090
Earnings coverage of net charge-offs (x)	3.8855%	2,439
Efficiency ratio	61.3809%	4,246
Assets per employee ($millions)	5.5867%	1,815
Cash dividends to net income (ytd only)*	0.0000%	2,824
Condition Ratios (%)
Loss allowance to loans	0.9746%	4,420
Loan loss allowance to noncurrent loans	93.6918%	3,721
Noncurrent assets plus other real estate owned to assets	0.9471%	1,941
Noncurrent loans to loans	1.0403%	1,975
Net loans and leases to total assets	71.6389%	2,123
Net loans and leases to deposits	93.2559%	1,191
Net loans and leases to core deposits	105.3818%	1,146
Total domestic deposits to total assets	76.8197%	5,139
Equity capital to assets	16.2048%	461
Core capital (leverage) ratio	15.7777%	491
Tier 1 risk-based capital ratio	20.5434%	1,293
Total risk-based capital ratio	21.4392%	1,326
Memoranda:
Average total assets	$129,832,500	3,842
Average earning assets	$125,537,500	3,744
Average equity	$20,564,000	3,117
Average total loans	$93,917,000	3,515
2016-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.1177%	2,778
Cost of funding earning assets	0.3253%	3,797
Net interest margin	3.7924%	2,346
Noninterest income to average assets	0.4062%	3,829
Noninterest expense to average assets	2.3303%	4,489
Loan and lease loss provision to assets	0.0153%	4,065
Net operating income to assets	1.2054%	1,490
Return on assets (ROA)	1.2086%	1,562
Pretax return on assets	1.7324%	927
Return on Equity (ROE)	7.6875%	3,123
Retained earnings to average equity (ytd only)	4.2104%	2,914
Net charge-offs to loans	-0.0064%	4,852
Credit loss provision to net charge-offs	-333.3333%	5,100
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	57.2071%	4,932
Assets per employee ($millions)	5.7031%	1,694
Cash dividends to net income (ytd only)*	45.2306%	2,583
Condition Ratios (%)
Loss allowance to loans	1.0456%	4,037
Loan loss allowance to noncurrent loans	97.1596%	3,686
Noncurrent assets plus other real estate owned to assets	0.7784%	2,405
Noncurrent loans to loans	1.0761%	1,933
Net loans and leases to total assets	71.5740%	2,226
Net loans and leases to deposits	95.0426%	1,087
Net loans and leases to core deposits	107.7021%	1,038
Total domestic deposits to total assets	75.3072%	5,317
Equity capital to assets	15.4804%	564
Core capital (leverage) ratio	15.2034%	577
Tier 1 risk-based capital ratio	19.8462%	1,407
Total risk-based capital ratio	20.8133%	1,421
Memoranda:
Average total assets	$130,972,600	3,815
Average earning assets	$126,647,800	3,712
Average equity	$20,592,000	3,111
Average total loans	$93,685,000	3,502
2016-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.1015%	2,871
Cost of funding earning assets	0.3221%	3,843
Net interest margin	3.7795%	2,412
Noninterest income to average assets	0.3972%	3,944
Noninterest expense to average assets	2.2985%	4,535
Loan and lease loss provision to assets	0.0000%	4,186
Net operating income to assets	1.2219%	1,556
Return on assets (ROA)	1.2261%	1,634
Pretax return on assets	1.7618%	975
Return on Equity (ROE)	7.7687%	3,135
Retained earnings to average equity (ytd only)	7.7687%	1,271
Net charge-offs to loans	-0.0114%	4,818
Credit loss provision to net charge-offs	0.0000%	3,412
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	56.6943%	4,995
Assets per employee ($millions)	5.9242%	1,494
Cash dividends to net income (ytd only)*	0.0000%	3,760
Condition Ratios (%)
Loss allowance to loans	1.0505%	4,120
Loan loss allowance to noncurrent loans	94.1973%	3,742
Noncurrent assets plus other real estate owned to assets	0.7934%	2,560
Noncurrent loans to loans	1.1152%	2,020
Net loans and leases to total assets	70.3941%	2,435
Net loans and leases to deposits	93.1223%	1,353
Net loans and leases to core deposits	105.5802%	1,221
Total domestic deposits to total assets	75.5931%	5,279
Equity capital to assets	16.3459%	505
Core capital (leverage) ratio	15.7583%	517
Tier 1 risk-based capital ratio	20.5974%	1,338
Total risk-based capital ratio	21.5676%	1,356
Memoranda:
Average total assets	$130,922,750	3,836
Average earning assets	$126,681,750	3,728
Average equity	$20,663,500	3,127
Average total loans	$93,387,000	3,525
2016-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.1108%	2,815
Cost of funding earning assets	0.3169%	3,940
Net interest margin	3.7938%	2,343
Noninterest income to average assets	0.4149%	3,783
Noninterest expense to average assets	2.2834%	4,656
Loan and lease loss provision to assets	0.0000%	4,017
Net operating income to assets	1.2490%	1,428
Return on assets (ROA)	1.2553%	1,525
Pretax return on assets	1.8106%	864
Return on Equity (ROE)	8.0489%	2,958
Retained earnings to average equity (ytd only)	8.0489%	1,156
Net charge-offs to loans	-0.0043%	4,489
Credit loss provision to net charge-offs	0.0000%	3,050
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	55.8999%	5,154
Assets per employee ($millions)	5.9161%	1,461
Cash dividends to net income (ytd only)*	0.0000%	3,619
Condition Ratios (%)
Loss allowance to loans	1.0508%	4,228
Loan loss allowance to noncurrent loans	127.9101%	3,186
Noncurrent assets plus other real estate owned to assets	0.5809%	3,282
Noncurrent loans to loans	0.8215%	2,689
Net loans and leases to total assets	69.9640%	2,489
Net loans and leases to deposits	92.5774%	1,444
Net loans and leases to core deposits	105.0142%	1,252
Total domestic deposits to total assets	75.5736%	5,347
Equity capital to assets	16.1078%	528
Core capital (leverage) ratio	15.2208%	568
Tier 1 risk-based capital ratio	20.5050%	1,345
Total risk-based capital ratio	21.4824%	1,377
Memoranda:
Average total assets	$131,119,670	3,858
Average earning assets	$126,837,670	3,741
Average equity	$20,450,000	3,149
Average total loans	$93,609,330	3,531
2016-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.1190%	2,779
Cost of funding earning assets	0.3052%	4,104
Net interest margin	3.8137%	2,240
Noninterest income to average assets	0.4498%	3,486
Noninterest expense to average assets	2.2583%	4,763
Loan and lease loss provision to assets	0.0000%	3,656
Net operating income to assets	1.3009%	1,248
Return on assets (ROA)	1.3009%	1,337
Pretax return on assets	1.8753%	728
Return on Equity (ROE)	8.4784%	2,670
Retained earnings to average equity (ytd only)	8.4784%	1,271
Net charge-offs to loans	-0.0042%	4,241
Credit loss provision to net charge-offs	0.0000%	2,416
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	54.6324%	5,320
Assets per employee ($millions)	5.4931%	1,834
Cash dividends to net income (ytd only)*	0.0000%	2,863
Condition Ratios (%)
Loss allowance to loans	1.0432%	4,371
Loan loss allowance to noncurrent loans	125.2918%	3,141
Noncurrent assets plus other real estate owned to assets	0.5848%	3,312
Noncurrent loans to loans	0.8326%	2,758
Net loans and leases to total assets	69.5094%	2,422
Net loans and leases to deposits	90.9792%	1,461
Net loans and leases to core deposits	102.8762%	1,274
Total domestic deposits to total assets	76.4014%	5,370
Equity capital to assets	15.5043%	600
Core capital (leverage) ratio	14.8884%	622
Tier 1 risk-based capital ratio	19.5858%	1,593
Total risk-based capital ratio	20.5376%	1,626
Memoranda:
Average total assets	$131,602,500	3,888
Average earning assets	$127,119,000	3,765
Average equity	$20,192,500	3,178
Average total loans	$94,400,000	3,526
2015-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.1161%	2,857
Cost of funding earning assets	0.3098%	4,148
Net interest margin	3.8063%	2,350
Noninterest income to average assets	0.3722%	4,246
Noninterest expense to average assets	2.3154%	4,737
Loan and lease loss provision to assets	0.0194%	4,018
Net operating income to assets	1.2022%	1,539
Return on assets (ROA)	1.2229%	1,537
Pretax return on assets	1.7447%	906
Return on Equity (ROE)	8.0667%	2,929
Retained earnings to average equity (ytd only)	5.2534%	2,240
Net charge-offs to loans	0.0108%	4,092
Credit loss provision to net charge-offs	250.0000%	1,152
Earnings coverage of net charge-offs (x)	223.7000%	309
Efficiency ratio	57.1702%	5,239
Assets per employee ($millions)	5.4738%	1,836
Cash dividends to net income (ytd only)*	34.8763%	3,105
Condition Ratios (%)
Loss allowance to loans	1.0042%	4,581
Loan loss allowance to noncurrent loans	114.0496%	3,376
Noncurrent assets plus other real estate owned to assets	0.6447%	3,118
Noncurrent loans to loans	0.8805%	2,592
Net loans and leases to total assets	72.4901%	1,970
Net loans and leases to deposits	94.3217%	1,174
Net loans and leases to core deposits	104.6219%	1,188
Total domestic deposits to total assets	76.8541%	5,339
Equity capital to assets	15.1822%	642
Core capital (leverage) ratio	14.8268%	649
Tier 1 risk-based capital ratio	18.6545%	1,788
Total risk-based capital ratio	19.5814%	1,828
Memoranda:
Average total assets	$128,960,000	3,906
Average earning assets	$124,607,600	3,793
Average equity	$19,549,400	3,217
Average total loans	$92,583,600	3,532
2015-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.1086%	2,900
Cost of funding earning assets	0.3126%	4,193
Net interest margin	3.7960%	2,402
Noninterest income to average assets	0.3688%	4,289
Noninterest expense to average assets	2.2915%	4,800
Loan and lease loss provision to assets	0.0000%	4,232
Net operating income to assets	1.2229%	1,577
Return on assets (ROA)	1.2455%	1,561
Pretax return on assets	1.7804%	932
Return on Equity (ROE)	8.2190%	2,956
Retained earnings to average equity (ytd only)	8.2190%	1,154
Net charge-offs to loans	0.0145%	3,669
Credit loss provision to net charge-offs	0.0000%	3,517
Earnings coverage of net charge-offs (x)	168.3376%	424
Efficiency ratio	56.7241%	5,255
Assets per employee ($millions)	5.7894%	1,519
Cash dividends to net income (ytd only)*	0.0000%	3,801
Condition Ratios (%)
Loss allowance to loans	1.0241%	4,623
Loan loss allowance to noncurrent loans	115.6212%	3,364
Noncurrent assets plus other real estate owned to assets	0.6383%	3,346
Noncurrent loans to loans	0.8857%	2,766
Net loans and leases to total assets	71.3285%	2,168
Net loans and leases to deposits	92.0540%	1,401
Net loans and leases to core deposits	102.3628%	1,355
Total domestic deposits to total assets	77.4855%	5,266
Equity capital to assets	15.7160%	613
Core capital (leverage) ratio	15.2655%	594
Tier 1 risk-based capital ratio	19.3479%	1,695
Total risk-based capital ratio	20.2758%	1,738
Memoranda:
Average total assets	$128,357,250	3,968
Average earning assets	$124,127,000	3,849
Average equity	$19,450,500	3,255
Average total loans	$91,680,250	3,586
2015-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.0689%	3,013
Cost of funding earning assets	0.3119%	4,259
Net interest margin	3.7570%	2,490
Noninterest income to average assets	0.3823%	4,217
Noninterest expense to average assets	2.3001%	4,845
Loan and lease loss provision to assets	0.0000%	4,069
Net operating income to assets	1.1972%	1,611
Return on assets (ROA)	1.2309%	1,584
Pretax return on assets	1.7624%	951
Return on Equity (ROE)	8.2236%	2,928
Retained earnings to average equity (ytd only)	8.2236%	1,179
Net charge-offs to loans	-0.0044%	4,705
Credit loss provision to net charge-offs	0.0000%	3,158
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	57.2977%	5,306
Assets per employee ($millions)	5.5346%	1,704
Cash dividends to net income (ytd only)*	0.0000%	3,641
Condition Ratios (%)
Loss allowance to loans	1.0780%	4,449
Loan loss allowance to noncurrent loans	115.2358%	3,370
Noncurrent assets plus other real estate owned to assets	0.6497%	3,469
Noncurrent loans to loans	0.9355%	2,791
Net loans and leases to total assets	68.7005%	2,535
Net loans and leases to deposits	88.0766%	1,828
Net loans and leases to core deposits	98.0371%	1,651
Total domestic deposits to total assets	78.0009%	5,286
Equity capital to assets	15.3336%	641
Core capital (leverage) ratio	14.7638%	661
Tier 1 risk-based capital ratio	19.5448%	1,654
Total risk-based capital ratio	20.5157%	1,694
Memoranda:
Average total assets	$128,687,330	3,988
Average earning assets	$124,408,000	3,872
Average equity	$19,261,670	3,292
Average total loans	$91,644,000	3,603
2015-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.0603%	2,994
Cost of funding earning assets	0.3104%	4,324
Net interest margin	3.7500%	2,434
Noninterest income to average assets	0.4266%	3,788
Noninterest expense to average assets	2.2909%	4,910
Loan and lease loss provision to assets	0.0000%	3,703
Net operating income to assets	1.2200%	1,492
Return on assets (ROA)	1.2861%	1,402
Pretax return on assets	1.8550%	787
Return on Equity (ROE)	8.6970%	2,604
Retained earnings to average equity (ytd only)	8.6970%	1,310
Net charge-offs to loans	-0.0129%	4,836
Credit loss provision to net charge-offs	0.0000%	2,491
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	56.5649%	5,478
Assets per employee ($millions)	5.5742%	1,735
Cash dividends to net income (ytd only)*	0.0000%	2,870
Condition Ratios (%)
Loss allowance to loans	1.0453%	4,792
Loan loss allowance to noncurrent loans	117.1990%	3,320
Noncurrent assets plus other real estate owned to assets	0.6349%	3,595
Noncurrent loans to loans	0.8919%	3,011
Net loans and leases to total assets	70.4460%	2,078
Net loans and leases to deposits	90.2817%	1,359
Net loans and leases to core deposits	100.1430%	1,310
Total domestic deposits to total assets	78.0291%	5,444
Equity capital to assets	15.1202%	695
Core capital (leverage) ratio	14.4434%	705
Tier 1 risk-based capital ratio	20.8841%	1,449
Total risk-based capital ratio	21.9440%	1,450
Memoranda:
Average total assets	$129,383,000	4,002
Average earning assets	$125,014,500	3,893
Average equity	$19,133,000	3,326
Average total loans	$93,263,000	3,585
2014-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.2463%	2,794
Cost of funding earning assets	0.3508%	4,242
Net interest margin	3.8956%	2,260
Noninterest income to average assets	0.3956%	4,212
Noninterest expense to average assets	2.2476%	5,252
Loan and lease loss provision to assets	0.0872%	2,726
Net operating income to assets	1.2395%	1,469
Return on assets (ROA)	1.2538%	1,484
Pretax return on assets	1.8356%	733
Return on Equity (ROE)	8.7743%	2,692
Retained earnings to average equity (ytd only)	5.4499%	2,296
Net charge-offs to loans	0.3794%	1,134
Credit loss provision to net charge-offs	32.1839%	3,808
Earnings coverage of net charge-offs (x)	7.0172%	3,102
Efficiency ratio	54.1667%	5,827
Assets per employee ($millions)	5.4400%	1,819
Cash dividends to net income (ytd only)*	37.8882%	2,966
Condition Ratios (%)
Loss allowance to loans	0.9984%	5,075
Loan loss allowance to noncurrent loans	115.9756%	3,385
Noncurrent assets plus other real estate owned to assets	0.6281%	3,696
Noncurrent loans to loans	0.8608%	3,161
Net loans and leases to total assets	72.2312%	1,869
Net loans and leases to deposits	94.2739%	1,051
Net loans and leases to core deposits	104.8661%	1,085
Total domestic deposits to total assets	76.6184%	5,654
Equity capital to assets	14.4616%	824
Core capital (leverage) ratio	14.2835%	753
Tier 1 risk-based capital ratio	19.5643%	1,701
Total risk-based capital ratio	20.5769%	1,730
Memoranda:
Average total assets	$128,406,200	4,005
Average earning assets	$123,730,600	3,889
Average equity	$18,349,000	3,366
Average total loans	$91,720,200	3,594
2014-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.2502%	2,806
Cost of funding earning assets	0.3549%	4,286
Net interest margin	3.8953%	2,264
Noninterest income to average assets	0.4035%	4,220
Noninterest expense to average assets	2.2252%	5,301
Loan and lease loss provision to assets	0.0261%	3,886
Net operating income to assets	1.2936%	1,388
Return on assets (ROA)	1.3128%	1,391
Pretax return on assets	1.9342%	660
Return on Equity (ROE)	9.2151%	2,581
Retained earnings to average equity (ytd only)	9.2151%	922
Net charge-offs to loans	0.1468%	2,324
Credit loss provision to net charge-offs	25.0000%	3,521
Earnings coverage of net charge-offs (x)	18.5300%	1,833
Efficiency ratio	53.5240%	5,871
Assets per employee ($millions)	5.3283%	1,878
Cash dividends to net income (ytd only)*	0.0000%	3,806
Condition Ratios (%)
Loss allowance to loans	1.2021%	4,209
Loan loss allowance to noncurrent loans	468.7764%	1,026
Noncurrent assets plus other real estate owned to assets	0.1853%	5,473
Noncurrent loans to loans	0.2564%	5,138
Net loans and leases to total assets	71.4019%	1,950
Net loans and leases to deposits	91.3162%	1,294
Net loans and leases to core deposits	101.5786%	1,245
Total domestic deposits to total assets	78.1919%	5,491
Equity capital to assets	14.9000%	752
Core capital (leverage) ratio	14.3760%	753
Tier 1 risk-based capital ratio	20.3607%	1,585
Total risk-based capital ratio	21.5749%	1,558
Memoranda:
Average total assets	$127,867,750	4,049
Average earning assets	$123,223,500	3,923
Average equity	$18,216,000	3,392
Average total loans	$90,836,250	3,642
2014-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.1966%	2,963
Cost of funding earning assets	0.3559%	4,369
Net interest margin	3.8407%	2,410
Noninterest income to average assets	0.3848%	4,369
Noninterest expense to average assets	2.2070%	5,398
Loan and lease loss provision to assets	0.0000%	4,196
Net operating income to assets	1.2711%	1,388
Return on assets (ROA)	1.2998%	1,358
Pretax return on assets	1.9161%	662
Return on Equity (ROE)	9.2659%	2,472
Retained earnings to average equity (ytd only)	9.2659%	896
Net charge-offs to loans	0.0111%	4,036
Credit loss provision to net charge-offs	0.0000%	3,401
Earnings coverage of net charge-offs (x)	239.6000%	285
Efficiency ratio	54.0820%	5,902
Assets per employee ($millions)	5.6512%	1,565
Cash dividends to net income (ytd only)*	0.0000%	3,638
Condition Ratios (%)
Loss allowance to loans	1.2799%	3,964
Loan loss allowance to noncurrent loans	347.3529%	1,328
Noncurrent assets plus other real estate owned to assets	0.2616%	5,307
Noncurrent loans to loans	0.3685%	4,886
Net loans and leases to total assets	70.0809%	2,071
Net loans and leases to deposits	89.1317%	1,461
Net loans and leases to core deposits	98.8969%	1,378
Total domestic deposits to total assets	78.6262%	5,527
Equity capital to assets	14.2825%	869
Core capital (leverage) ratio	14.1647%	783
Tier 1 risk-based capital ratio	18.6856%	2,007
Total risk-based capital ratio	19.8985%	1,978
Memoranda:
Average total assets	$127,864,000	4,074
Average earning assets	$123,051,000	3,951
Average equity	$17,936,670	3,423
Average total loans	$90,308,670	3,672
2014-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.2007%	2,873
Cost of funding earning assets	0.3634%	4,402
Net interest margin	3.8373%	2,314
Noninterest income to average assets	0.3943%	4,236
Noninterest expense to average assets	2.2081%	5,442
Loan and lease loss provision to assets	0.0000%	3,817
Net operating income to assets	1.2764%	1,278
Return on assets (ROA)	1.3343%	1,177
Pretax return on assets	1.9683%	569
Return on Equity (ROE)	9.6011%	2,201
Retained earnings to average equity (ytd only)	9.6011%	1,077
Net charge-offs to loans	0.0134%	3,334
Credit loss provision to net charge-offs	0.0000%	2,688
Earnings coverage of net charge-offs (x)	199.0000%	243
Efficiency ratio	53.9707%	6,011
Assets per employee ($millions)	5.6325%	1,589
Cash dividends to net income (ytd only)*	0.0000%	2,852
Condition Ratios (%)
Loss allowance to loans	1.3303%	3,955
Loan loss allowance to noncurrent loans	5,920.0000%	113
Noncurrent assets plus other real estate owned to assets	0.0154%	6,273
Noncurrent loans to loans	0.0225%	6,097
Net loans and leases to total assets	67.7872%	2,261
Net loans and leases to deposits	84.1441%	1,806
Net loans and leases to core deposits	92.8249%	1,655
Total domestic deposits to total assets	80.5609%	5,368
Equity capital to assets	13.8512%	968
Core capital (leverage) ratio	13.8324%	876
Tier 1 risk-based capital ratio	18.6784%	2,067
Total risk-based capital ratio	19.9227%	2,025
Memoranda:
Average total assets	$126,807,500	4,129
Average earning assets	$122,170,500	3,996
Average equity	$17,623,000	3,463
Average total loans	$89,328,000	3,710
2013-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.3416%	2,802
Cost of funding earning assets	0.4144%	4,488
Net interest margin	3.9272%	2,191
Noninterest income to average assets	0.4768%	3,913
Noninterest expense to average assets	2.3005%	5,384
Loan and lease loss provision to assets	0.0235%	4,660
Net operating income to assets	1.2960%	1,263
Return on assets (ROA)	1.2960%	1,312
Pretax return on assets	1.9237%	576
Return on Equity (ROE)	9.5627%	2,303
Retained earnings to average equity (ytd only)	6.1021%	1,913
Net charge-offs to loans	0.0233%	4,960
Credit loss provision to net charge-offs	142.8571%	1,629
Earnings coverage of net charge-offs (x)	118.6190%	398
Efficiency ratio	54.1590%	6,123
Assets per employee ($millions)	5.6394%	1,525
Cash dividends to net income (ytd only)*	36.1882%	2,998
Condition Ratios (%)
Loss allowance to loans	1.3240%	4,014
Loan loss allowance to noncurrent loans	NA	NA
Noncurrent assets plus other real estate owned to assets	0.0000%	6,461
Noncurrent loans to loans	0.0000%	6,319
Net loans and leases to total assets	71.3066%	1,792
Net loans and leases to deposits	88.6897%	1,384
Net loans and leases to core deposits	98.2847%	1,286
Total domestic deposits to total assets	80.4001%	5,348
Equity capital to assets	13.9457%	918
Core capital (leverage) ratio	13.8219%	877
Tier 1 risk-based capital ratio	18.2686%	2,161
Total risk-based capital ratio	19.5181%	2,122
Memoranda:
Average total assets	$127,929,400	4,113
Average earning assets	$122,834,400	3,995
Average equity	$17,338,200	3,510
Average total loans	$90,005,400	3,693
2013-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.3374%	2,842
Cost of funding earning assets	0.4225%	4,584
Net interest margin	3.9149%	2,218
Noninterest income to average assets	0.4924%	3,864
Noninterest expense to average assets	2.2664%	5,447
Loan and lease loss provision to assets	0.0000%	4,941
Net operating income to assets	1.3261%	1,275
Return on assets (ROA)	1.3261%	1,331
Pretax return on assets	1.9830%	596
Return on Equity (ROE)	9.8534%	2,246
Retained earnings to average equity (ytd only)	9.8534%	823
Net charge-offs to loans	0.0074%	5,021
Credit loss provision to net charge-offs	0.0000%	4,342
Earnings coverage of net charge-offs (x)	383.1994%	153
Efficiency ratio	53.3350%	6,158
Assets per employee ($millions)	5.6666%	1,482
Cash dividends to net income (ytd only)*	0.0000%	3,738
Condition Ratios (%)
Loss allowance to loans	1.3612%	4,073
Loan loss allowance to noncurrent loans	1,564.0000%	325
Noncurrent assets plus other real estate owned to assets	0.0602%	6,268
Noncurrent loans to loans	0.0870%	6,071
Net loans and leases to total assets	68.1814%	2,266
Net loans and leases to deposits	85.1105%	1,731
Net loans and leases to core deposits	94.3113%	1,538
Total domestic deposits to total assets	80.1093%	5,476
Equity capital to assets	14.0560%	952
Core capital (leverage) ratio	13.8705%	898
Tier 1 risk-based capital ratio	19.0718%	1,969
Total risk-based capital ratio	20.3222%	1,934
Memoranda:
Average total assets	$128,895,000	4,142
Average earning assets	$123,695,750	4,009
Average equity	$17,347,250	3,554
Average total loans	$90,093,000	3,714
2013-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.3537%	2,745
Cost of funding earning assets	0.4335%	4,622
Net interest margin	3.9203%	2,146
Noninterest income to average assets	0.5449%	3,542
Noninterest expense to average assets	2.2563%	5,487
Loan and lease loss provision to assets	0.0000%	4,788
Net operating income to assets	1.3630%	1,162
Return on assets (ROA)	1.3630%	1,246
Pretax return on assets	2.0506%	542
Return on Equity (ROE)	10.2726%	2,094
Retained earnings to average equity (ytd only)	10.2726%	789
Net charge-offs to loans	0.0131%	4,586
Credit loss provision to net charge-offs	0.0000%	4,003
Earnings coverage of net charge-offs (x)	222.6667%	234
Efficiency ratio	52.3877%	6,260
Assets per employee ($millions)	5.8439%	1,314
Cash dividends to net income (ytd only)*	0.0000%	3,522
Condition Ratios (%)
Loss allowance to loans	1.3494%	4,270
Loan loss allowance to noncurrent loans	893.8931%	512
Noncurrent assets plus other real estate owned to assets	0.1019%	6,192
Noncurrent loans to loans	0.1510%	5,944
Net loans and leases to total assets	66.5860%	2,487
Net loans and leases to deposits	82.3556%	2,013
Net loans and leases to core deposits	90.6316%	1,850
Total domestic deposits to total assets	80.8519%	5,389
Equity capital to assets	13.5020%	1,135
Core capital (leverage) ratio	13.2114%	1,092
Tier 1 risk-based capital ratio	18.5970%	2,109
Total risk-based capital ratio	19.8473%	2,072
Memoranda:
Average total assets	$130,304,670	4,136
Average earning assets	$125,041,670	4,013
Average equity	$17,288,670	3,580
Average total loans	$91,400,000	3,691
2013-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.4332%	2,412
Cost of funding earning assets	0.4548%	4,542
Net interest margin	3.9785%	1,869
Noninterest income to average assets	0.5153%	3,675
Noninterest expense to average assets	2.2443%	5,577
Loan and lease loss provision to assets	0.0000%	4,409
Net operating income to assets	1.3783%	1,076
Return on assets (ROA)	1.3783%	1,165
Pretax return on assets	2.0858%	507
Return on Equity (ROE)	10.4790%	1,885
Retained earnings to average equity (ytd only)	10.4790%	989
Net charge-offs to loans	-0.0171%	5,651
Credit loss provision to net charge-offs	0.0000%	3,239
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	51.8310%	6,391
Assets per employee ($millions)	5.7803%	1,419
Cash dividends to net income (ytd only)*	0.0000%	2,673
Condition Ratios (%)
Loss allowance to loans	1.2723%	4,839
Loan loss allowance to noncurrent loans	1,010.2564%	469
Noncurrent assets plus other real estate owned to assets	0.1015%	6,280
Noncurrent loans to loans	0.1259%	6,092
Net loans and leases to total assets	68.9927%	1,844
Net loans and leases to deposits	85.3626%	1,437
Net loans and leases to core deposits	94.3565%	1,320
Total domestic deposits to total assets	80.8230%	5,544
Equity capital to assets	13.1241%	1,373
Core capital (leverage) ratio	12.6374%	1,282
Tier 1 risk-based capital ratio	17.0352%	2,734
Total risk-based capital ratio	18.2406%	2,731
Memoranda:
Average total assets	$131,174,000	4,158
Average earning assets	$125,777,500	4,026
Average equity	$17,253,500	3,621
Average total loans	$93,711,000	3,659
2012-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.7076%	2,561
Cost of funding earning assets	0.5846%	4,492
Net interest margin	4.1229%	1,907
Noninterest income to average assets	0.5950%	3,308
Noninterest expense to average assets	2.3133%	5,656
Loan and lease loss provision to assets	0.1258%	4,041
Net operating income to assets	1.3756%	1,140
Return on assets (ROA)	1.3787%	1,253
Pretax return on assets	2.0964%	496
Return on Equity (ROE)	10.5211%	1,960
Retained earnings to average equity (ytd only)	6.6822%	1,728
Net charge-offs to loans	0.1749%	3,979
Credit loss provision to net charge-offs	100.6289%	3,014
Earnings coverage of net charge-offs (x)	17.7421%	1,489
Efficiency ratio	51.0583%	6,521
Assets per employee ($millions)	5.8819%	1,373
Cash dividends to net income (ytd only)*	36.4880%	3,057
Condition Ratios (%)
Loss allowance to loans	1.2463%	4,897
Loan loss allowance to noncurrent loans	1,963.3333%	271
Noncurrent assets plus other real estate owned to assets	0.0464%	6,522
Noncurrent loans to loans	0.0635%	6,331
Net loans and leases to total assets	72.1310%	1,467
Net loans and leases to deposits	92.9866%	829
Net loans and leases to core deposits	104.7141%	747
Total domestic deposits to total assets	77.5714%	6,151
Equity capital to assets	13.1829%	1,364
Core capital (leverage) ratio	12.7348%	1,229
Tier 1 risk-based capital ratio	16.4960%	2,894
Total risk-based capital ratio	17.6924%	2,888
Memoranda:
Average total assets	$127,219,600	4,205
Average earning assets	$121,442,800	4,080
Average equity	$16,671,200	3,678
Average total loans	$90,928,400	3,724
2012-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.7185%	2,723
Cost of funding earning assets	0.6168%	4,482
Net interest margin	4.1017%	2,081
Noninterest income to average assets	0.5263%	3,763
Noninterest expense to average assets	2.2419%	5,843
Loan and lease loss provision to assets	0.0421%	5,250
Net operating income to assets	1.4137%	1,194
Return on assets (ROA)	1.4178%	1,302
Pretax return on assets	2.1682%	504
Return on Equity (ROE)	10.8358%	2,012
Retained earnings to average equity (ytd only)	10.5140%	785
Net charge-offs to loans	0.2073%	3,488
Credit loss provision to net charge-offs	28.5714%	4,819
Earnings coverage of net charge-offs (x)	14.9573%	1,807
Efficiency ratio	50.4261%	6,556
Assets per employee ($millions)	5.3463%	1,788
Cash dividends to net income (ytd only)*	2.9694%	3,656
Condition Ratios (%)
Loss allowance to loans	1.1630%	5,463
Loan loss allowance to noncurrent loans	1,994.4444%	255
Noncurrent assets plus other real estate owned to assets	0.3149%	5,907
Noncurrent loans to loans	0.0583%	6,470
Net loans and leases to total assets	71.3312%	1,676
Net loans and leases to deposits	89.5706%	1,198
Net loans and leases to core deposits	99.8451%	1,132
Total domestic deposits to total assets	79.6368%	5,744
Equity capital to assets	13.5344%	1,336
Core capital (leverage) ratio	13.1293%	1,138
Tier 1 risk-based capital ratio	16.8013%	2,839
Total risk-based capital ratio	17.9028%	2,886
Memoranda:
Average total assets	$126,674,000	4,259
Average earning assets	$121,052,750	4,131
Average equity	$16,574,250	3,723
Average total loans	$90,031,250	3,787
2012-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.7587%	2,689
Cost of funding earning assets	0.6568%	4,384
Net interest margin	4.1019%	2,087
Noninterest income to average assets	0.5138%	3,834
Noninterest expense to average assets	2.2374%	5,908
Loan and lease loss provision to assets	0.0000%	5,619
Net operating income to assets	1.4273%	1,136
Return on assets (ROA)	1.4335%	1,255
Pretax return on assets	2.1978%	485
Return on Equity (ROE)	11.0850%	1,966
Retained earnings to average equity (ytd only)	10.5945%	831
Net charge-offs to loans	0.2781%	2,929
Credit loss provision to net charge-offs	0.0000%	4,809
Earnings coverage of net charge-offs (x)	11.1290%	1,989
Efficiency ratio	50.5554%	6,602
Assets per employee ($millions)	5.2513%	1,866
Cash dividends to net income (ytd only)*	4.4248%	3,445
Condition Ratios (%)
Loss allowance to loans	1.2204%	5,267
Loan loss allowance to noncurrent loans	1,950.0000%	247
Noncurrent assets plus other real estate owned to assets	0.3206%	5,961
Noncurrent loans to loans	0.0626%	6,511
Net loans and leases to total assets	67.6254%	2,340
Net loans and leases to deposits	83.4621%	1,917
Net loans and leases to core deposits	90.4114%	1,944
Total domestic deposits to total assets	81.0253%	5,463
Equity capital to assets	13.3308%	1,379
Core capital (leverage) ratio	12.8438%	1,200
Tier 1 risk-based capital ratio	17.3556%	2,528
Total risk-based capital ratio	18.4995%	2,526
Memoranda:
Average total assets	$126,128,670	4,289
Average earning assets	$120,285,670	4,165
Average equity	$16,310,330	3,757
Average total loans	$89,174,330	3,826
2012-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.9092%	2,201
Cost of funding earning assets	0.6861%	4,399
Net interest margin	4.2231%	1,694
Noninterest income to average assets	0.5199%	3,779
Noninterest expense to average assets	2.2318%	5,960
Loan and lease loss provision to assets	0.0000%	5,254
Net operating income to assets	1.4987%	1,024
Return on assets (ROA)	1.5090%	1,124
Pretax return on assets	2.3237%	440
Return on Equity (ROE)	11.8519%	1,715
Retained earnings to average equity (ytd only)	11.8519%	843
Net charge-offs to loans	0.4900%	1,866
Credit loss provision to net charge-offs	0.0000%	3,998
Earnings coverage of net charge-offs (x)	6.5586%	2,187
Efficiency ratio	49.1620%	6,729
Assets per employee ($millions)	5.5549%	1,649
Cash dividends to net income (ytd only)*	0.0000%	2,732
Condition Ratios (%)
Loss allowance to loans	1.1876%	5,551
Loan loss allowance to noncurrent loans	NA	NA
Noncurrent assets plus other real estate owned to assets	0.2739%	6,203
Noncurrent loans to loans	0.0000%	6,812
Net loans and leases to total assets	69.3542%	1,876
Net loans and leases to deposits	85.3142%	1,498
Net loans and leases to core deposits	93.6532%	1,493
Total domestic deposits to total assets	81.2927%	5,523
Equity capital to assets	12.7322%	1,580
Core capital (leverage) ratio	12.0797%	1,542
Tier 1 risk-based capital ratio	16.2867%	3,024
Total risk-based capital ratio	17.4000%	3,062
Memoranda:
Average total assets	$126,177,500	4,322
Average earning assets	$120,100,500	4,192
Average equity	$16,065,000	3,801
Average total loans	$90,620,500	3,811
2011-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.2397%	1,914
Cost of funding earning assets	0.8608%	4,387
Net interest margin	4.3789%	1,448
Noninterest income to average assets	0.4706%	4,050
Noninterest expense to average assets	2.5806%	5,169
Loan and lease loss provision to assets	0.1359%	4,920
Net operating income to assets	1.2689%	1,328
Return on assets (ROA)	1.2818%	1,392
Pretax return on assets	1.9520%	588
Return on Equity (ROE)	9.9252%	2,085
Retained earnings to average equity (ytd only)	6.3405%	1,833
Net charge-offs to loans	0.1085%	5,277
Credit loss provision to net charge-offs	168.4211%	1,601
Earnings coverage of net charge-offs (x)	25.6316%	967
Efficiency ratio	55.5089%	6,368
Assets per employee ($millions)	5.4170%	1,725
Cash dividends to net income (ytd only)*	36.1166%	2,808
Condition Ratios (%)
Loss allowance to loans	1.2854%	4,992
Loan loss allowance to noncurrent loans	NA	NA
Noncurrent assets plus other real estate owned to assets	0.0000%	7,026
Noncurrent loans to loans	0.0000%	6,879
Net loans and leases to total assets	72.5488%	1,549
Net loans and leases to deposits	90.1574%	1,140
Net loans and leases to core deposits	100.8378%	1,105
Total domestic deposits to total assets	80.4691%	5,604
Equity capital to assets	12.7320%	1,635
Core capital (leverage) ratio	12.3931%	1,395
Tier 1 risk-based capital ratio	15.5974%	3,271
Total risk-based capital ratio	16.8125%	3,243
Memoranda:
Average total assets	$117,724,200	4,466
Average earning assets	$112,334,200	4,323
Average equity	$15,203,800	3,867
Average total loans	$87,545,800	3,921
2011-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.3050%	1,835
Cost of funding earning assets	0.9016%	4,385
Net interest margin	4.4033%	1,398
Noninterest income to average assets	0.4528%	4,275
Noninterest expense to average assets	2.4722%	5,556
Loan and lease loss provision to assets	0.0862%	5,370
Net operating income to assets	1.3655%	1,231
Return on assets (ROA)	1.3826%	1,271
Pretax return on assets	2.1251%	490
Return on Equity (ROE)	10.6653%	1,968
Retained earnings to average equity (ytd only)	10.5323%	720
Net charge-offs to loans	0.1479%	4,591
Credit loss provision to net charge-offs	78.1250%	4,205
Earnings coverage of net charge-offs (x)	19.8016%	1,248
Efficiency ratio	53.0849%	6,584
Assets per employee ($millions)	5.1427%	2,002
Cash dividends to net income (ytd only)*	1.2469%	3,489
Condition Ratios (%)
Loss allowance to loans	1.2785%	5,106
Loan loss allowance to noncurrent loans	21,780.0000%	22
Noncurrent assets plus other real estate owned to assets	0.0042%	7,076
Noncurrent loans to loans	0.0059%	6,954
Net loans and leases to total assets	71.0928%	1,884
Net loans and leases to deposits	88.8750%	1,335
Net loans and leases to core deposits	99.9287%	1,250
Total domestic deposits to total assets	79.9919%	5,737
Equity capital to assets	13.5388%	1,353
Core capital (leverage) ratio	13.0506%	1,214
Tier 1 risk-based capital ratio	17.0327%	2,635
Total risk-based capital ratio	18.2119%	2,625
Memoranda:
Average total assets	$116,007,250	4,531
Average earning assets	$110,761,500	4,399
Average equity	$15,039,000	3,913
Average total loans	$86,540,500	3,989
2011-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.3664%	1,669
Cost of funding earning assets	0.9353%	4,423
Net interest margin	4.4310%	1,291
Noninterest income to average assets	0.4443%	4,322
Noninterest expense to average assets	2.4694%	5,645
Loan and lease loss provision to assets	0.0434%	5,771
Net operating income to assets	1.3953%	1,091
Return on assets (ROA)	1.4213%	1,104
Pretax return on assets	2.1970%	411
Return on Equity (ROE)	11.1323%	1,753
Retained earnings to average equity (ytd only)	10.9284%	679
Net charge-offs to loans	0.2230%	3,787
Credit loss provision to net charge-offs	25.7732%	5,050
Earnings coverage of net charge-offs (x)	13.0722%	1,578
Efficiency ratio	52.8800%	6,727
Assets per employee ($millions)	5.1485%	1,935
Cash dividends to net income (ytd only)*	1.8315%	3,271
Condition Ratios (%)
Loss allowance to loans	1.2350%	5,392
Loan loss allowance to noncurrent loans	NA	NA
Noncurrent assets plus other real estate owned to assets	0.0000%	7,147
Noncurrent loans to loans	0.0000%	7,026
Net loans and leases to total assets	73.3574%	1,526
Net loans and leases to deposits	90.6996%	1,198
Net loans and leases to core deposits	100.2135%	1,324
Total domestic deposits to total assets	80.8795%	5,569
Equity capital to assets	13.5036%	1,291
Core capital (leverage) ratio	12.7328%	1,279
Tier 1 risk-based capital ratio	16.8420%	2,590
Total risk-based capital ratio	18.0149%	2,577
Memoranda:
Average total assets	$115,249,000	4,578
Average earning assets	$109,907,000	4,448
Average equity	$14,714,000	3,957
Average total loans	$86,994,330	4,018
2011-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.3835%	1,627
Cost of funding earning assets	0.9519%	4,548
Net interest margin	4.4315%	1,214
Noninterest income to average assets	0.4646%	4,154
Noninterest expense to average assets	2.3847%	5,933
Loan and lease loss provision to assets	0.0860%	4,929
Net operating income to assets	1.4290%	1,018
Return on assets (ROA)	1.4797%	953
Pretax return on assets	2.3021%	345
Return on Equity (ROE)	11.9250%	1,481
Retained earnings to average equity (ytd only)	11.9250%	747
Net charge-offs to loans	0.4840%	2,262
Credit loss provision to net charge-offs	23.3645%	4,220
Earnings coverage of net charge-offs (x)	6.2710%	2,129
Efficiency ratio	50.8065%	6,932
Assets per employee ($millions)	5.2878%	1,784
Cash dividends to net income (ytd only)*	0.0000%	2,514
Condition Ratios (%)
Loss allowance to loans	1.1814%	5,711
Loan loss allowance to noncurrent loans	NA	NA
Noncurrent assets plus other real estate owned to assets	0.0000%	7,222
Noncurrent loans to loans	0.0000%	7,094
Net loans and leases to total assets	73.9900%	1,344
Net loans and leases to deposits	90.2149%	1,207
Net loans and leases to core deposits	99.5685%	1,374
Total domestic deposits to total assets	82.0153%	5,310
Equity capital to assets	12.6380%	1,555
Core capital (leverage) ratio	12.1003%	1,508
Tier 1 risk-based capital ratio	15.8640%	2,969
Total risk-based capital ratio	16.9867%	2,994
Memoranda:
Average total assets	$116,240,500	4,581
Average earning assets	$110,932,000	4,442
Average equity	$14,423,500	4,015
Average total loans	$88,427,500	4,008
2010-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.5728%	1,996
Cost of funding earning assets	1.2433%	4,261
Net interest margin	4.3295%	1,717
Noninterest income to average assets	0.5689%	3,683
Noninterest expense to average assets	2.5639%	5,566
Loan and lease loss provision to assets	0.3864%	3,796
Net operating income to assets	1.1484%	1,545
Return on assets (ROA)	1.1755%	1,547
Pretax return on assets	1.7524%	845
Return on Equity (ROE)	9.3166%	2,170
Retained earnings to average equity (ytd only)	5.3564%	2,215
Net charge-offs to loans	0.2344%	4,876
Credit loss provision to net charge-offs	221.6495%	1,351
Earnings coverage of net charge-offs (x)	12.0361%	1,545
Efficiency ratio	54.9923%	6,714
Assets per employee ($millions)	5.2795%	1,777
Cash dividends to net income (ytd only)*	42.5076%	2,468
Condition Ratios (%)
Loss allowance to loans	1.2379%	5,336
Loan loss allowance to noncurrent loans	NA	NA
Noncurrent assets plus other real estate owned to assets	0.0000%	7,281
Noncurrent loans to loans	0.0000%	7,175
Net loans and leases to total assets	76.3166%	1,217
Net loans and leases to deposits	93.1524%	1,128
Net loans and leases to core deposits	104.3081%	1,293
Total domestic deposits to total assets	81.9267%	5,210
Equity capital to assets	12.1783%	1,809
Core capital (leverage) ratio	12.0553%	1,507
Tier 1 risk-based capital ratio	15.0417%	3,223
Total risk-based capital ratio	16.2268%	3,214
Memoranda:
Average total assets	$111,274,000	4,678
Average earning assets	$105,207,400	4,588
Average equity	$14,039,400	4,136
Average total loans	$82,757,000	4,252
2010-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.5451%	2,272
Cost of funding earning assets	1.3004%	4,216
Net interest margin	4.2447%	2,052
Noninterest income to average assets	0.5488%	3,798
Noninterest expense to average assets	2.4496%	5,884
Loan and lease loss provision to assets	0.3029%	4,154
Net operating income to assets	1.2028%	1,588
Return on assets (ROA)	1.2394%	1,571
Pretax return on assets	1.8608%	827
Return on Equity (ROE)	9.7336%	2,235
Retained earnings to average equity (ytd only)	8.9249%	1,077
Net charge-offs to loans	0.1498%	5,110
Credit loss provision to net charge-offs	274.7253%	1,196
Earnings coverage of net charge-offs (x)	19.1320%	1,220
Efficiency ratio	53.7337%	6,808
Assets per employee ($millions)	5.1914%	1,946
Cash dividends to net income (ytd only)*	8.3088%	3,371
Condition Ratios (%)
Loss allowance to loans	1.1915%	5,541
Loan loss allowance to noncurrent loans	NA	NA
Noncurrent assets plus other real estate owned to assets	0.0438%	7,239
Noncurrent loans to loans	0.0000%	7,276
Net loans and leases to total assets	75.1537%	1,559
Net loans and leases to deposits	93.2238%	1,295
Net loans and leases to core deposits	105.4291%	1,367
Total domestic deposits to total assets	80.6164%	5,511
Equity capital to assets	12.9008%	1,629
Core capital (leverage) ratio	12.8837%	1,272
Tier 1 risk-based capital ratio	15.6697%	2,917
Total risk-based capital ratio	16.8053%	2,933
Memoranda:
Average total assets	$110,055,250	4,765
Average earning assets	$103,969,000	4,669
Average equity	$14,013,000	4,197
Average total loans	$81,008,250	4,381
2010-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.5970%	2,148
Cost of funding earning assets	1.3782%	4,017
Net interest margin	4.2187%	2,095
Noninterest income to average assets	0.4767%	4,306
Noninterest expense to average assets	2.4202%	6,010
Loan and lease loss provision to assets	0.1656%	5,228
Net operating income to assets	1.2336%	1,470
Return on assets (ROA)	1.2883%	1,392
Pretax return on assets	1.9453%	677
Return on Equity (ROE)	10.1651%	2,041
Retained earnings to average equity (ytd only)	8.9307%	1,123
Net charge-offs to loans	0.2403%	4,161
Credit loss provision to net charge-offs	94.7368%	4,272
Earnings coverage of net charge-offs (x)	11.6000%	1,753
Efficiency ratio	54.4063%	6,829
Assets per employee ($millions)	4.9723%	2,215
Cash dividends to net income (ytd only)*	12.1429%	3,107
Condition Ratios (%)
Loss allowance to loans	1.1242%	5,825
Loan loss allowance to noncurrent loans	1,474.5763%	250
Noncurrent assets plus other real estate owned to assets	0.0539%	7,256
Noncurrent loans to loans	0.0762%	7,118
Net loans and leases to total assets	69.9500%	2,911
Net loans and leases to deposits	85.9194%	2,514
Net loans and leases to core deposits	95.8885%	2,451
Total domestic deposits to total assets	81.4135%	5,235
Equity capital to assets	12.9672%	1,584
Core capital (leverage) ratio	12.8180%	1,275
Tier 1 risk-based capital ratio	16.8285%	2,349
Total risk-based capital ratio	17.8780%	2,380
Memoranda:
Average total assets	$108,670,330	4,845
Average earning assets	$102,305,670	4,738
Average equity	$13,772,670	4,253
Average total loans	$79,055,000	4,471
2010-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.6469%	1,971
Cost of funding earning assets	1.4313%	3,982
Net interest margin	4.2156%	1,973
Noninterest income to average assets	0.4986%	4,054
Noninterest expense to average assets	2.4374%	5,957
Loan and lease loss provision to assets	0.1108%	5,514
Net operating income to assets	1.2704%	1,360
Return on assets (ROA)	1.2704%	1,434
Pretax return on assets	1.9204%	709
Return on Equity (ROE)	10.1426%	2,053
Retained earnings to average equity (ytd only)	7.6365%	1,865
Net charge-offs to loans	0.5107%	2,536
Credit loss provision to net charge-offs	29.4118%	4,822
Earnings coverage of net charge-offs (x)	5.3922%	2,411
Efficiency ratio	54.5455%	6,924
Assets per employee ($millions)	4.9387%	2,315
Cash dividends to net income (ytd only)*	24.7093%	2,130
Condition Ratios (%)
Loss allowance to loans	1.0421%	6,271
Loan loss allowance to noncurrent loans	26,733.3333%	13
Noncurrent assets plus other real estate owned to assets	0.0028%	7,500
Noncurrent loans to loans	0.0039%	7,414
Net loans and leases to total assets	70.0932%	2,911
Net loans and leases to deposits	85.6351%	2,663
Net loans and leases to core deposits	95.9942%	2,593
Total domestic deposits to total assets	81.8511%	5,134
Equity capital to assets	12.5991%	1,701
Core capital (leverage) ratio	12.4552%	1,426
Tier 1 risk-based capital ratio	16.4389%	2,476
Total risk-based capital ratio	17.4090%	2,541
Memoranda:
Average total assets	$108,310,000	4,916
Average earning assets	$102,003,000	4,814
Average equity	$13,566,500	4,340
Average total loans	$79,888,000	4,509
2009-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	6.1337%	1,424
Cost of funding earning assets	1.6807%	4,614
Net interest margin	4.4531%	1,286
Noninterest income to average assets	0.5049%	4,371
Noninterest expense to average assets	2.6859%	5,455
Loan and lease loss provision to assets	0.4457%	4,154
Net operating income to assets	1.0705%	1,596
Return on assets (ROA)	1.0986%	1,550
Pretax return on assets	1.6513%	864
Return on Equity (ROE)	8.6847%	2,128
Retained earnings to average equity (ytd only)	5.3497%	1,648
Net charge-offs to loans	0.6964%	3,099
Credit loss provision to net charge-offs	84.1441%	6,185
Earnings coverage of net charge-offs (x)	3.8793%	3,156
Efficiency ratio	56.6539%	6,940
Assets per employee ($millions)	4.9077%	2,327
Cash dividends to net income (ytd only)*	38.4014%	2,993
Condition Ratios (%)
Loss allowance to loans	1.0565%	6,100
Loan loss allowance to noncurrent loans	1,620.3704%	242
Noncurrent assets plus other real estate owned to assets	0.0500%	7,380
Noncurrent loans to loans	0.0652%	7,259
Net loans and leases to total assets	75.8940%	1,822
Net loans and leases to deposits	92.9691%	1,737
Net loans and leases to core deposits	121.4946%	1,836
Total domestic deposits to total assets	81.6336%	5,091
Equity capital to assets	12.4517%	1,770
Core capital (leverage) ratio	12.3775%	1,498
Tier 1 risk-based capital ratio	15.3366%	2,788
Total risk-based capital ratio	16.3435%	2,845
Memoranda:
Average total assets	$104,767,800	4,968
Average earning assets	$99,662,000	4,852
Average equity	$13,253,200	4,445
Average total loans	$79,696,400	4,521
2009-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	6.1868%	1,408
Cost of funding earning assets	1.7271%	4,759
Net interest margin	4.4597%	1,295
Noninterest income to average assets	0.5053%	4,442
Noninterest expense to average assets	2.6546%	5,511
Loan and lease loss provision to assets	0.4450%	3,678
Net operating income to assets	1.1027%	1,723
Return on assets (ROA)	1.1324%	1,703
Pretax return on assets	1.7056%	965
Return on Equity (ROE)	8.9152%	2,296
Retained earnings to average equity (ytd only)	8.9152%	864
Net charge-offs to loans	0.5694%	2,974
Credit loss provision to net charge-offs	102.9674%	4,945
Earnings coverage of net charge-offs (x)	4.8724%	2,989
Efficiency ratio	55.7651%	7,032
Assets per employee ($millions)	4.8035%	2,396
Cash dividends to net income (ytd only)*	0.0000%	3,688
Condition Ratios (%)
Loss allowance to loans	1.2331%	4,938
Loan loss allowance to noncurrent loans	715.4412%	481
Noncurrent assets plus other real estate owned to assets	0.1287%	7,227
Noncurrent loans to loans	0.1724%	7,062
Net loans and leases to total assets	73.7455%	2,605
Net loans and leases to deposits	90.4871%	2,483
Net loans and leases to core deposits	122.1754%	2,052
Total domestic deposits to total assets	81.4983%	4,878
Equity capital to assets	13.0710%	1,669
Core capital (leverage) ratio	12.8805%	1,417
Tier 1 risk-based capital ratio	15.8749%	2,675
Total risk-based capital ratio	17.0193%	2,649
Memoranda:
Average total assets	$103,967,500	5,016
Average earning assets	$99,198,000	4,884
Average equity	$13,205,500	4,485
Average total loans	$78,916,250	4,594
2009-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	6.3180%	1,161
Cost of funding earning assets	1.7878%	4,822
Net interest margin	4.5302%	1,098
Noninterest income to average assets	0.5377%	4,127
Noninterest expense to average assets	2.5861%	5,791
Loan and lease loss provision to assets	0.6035%	2,640
Net operating income to assets	1.1062%	1,752
Return on assets (ROA)	1.1509%	1,695
Pretax return on assets	1.7389%	953
Return on Equity (ROE)	9.1517%	2,305
Retained earnings to average equity (ytd only)	9.1517%	900
Net charge-offs to loans	0.8718%	1,951
Credit loss provision to net charge-offs	90.6977%	4,899
Earnings coverage of net charge-offs (x)	3.4186%	3,443
Efficiency ratio	53.2033%	7,411
Assets per employee ($millions)	4.6628%	2,509
Cash dividends to net income (ytd only)*	0.0000%	3,532
Condition Ratios (%)
Loss allowance to loans	1.1999%	4,944
Loan loss allowance to noncurrent loans	NA	NA
Noncurrent assets plus other real estate owned to assets	0.0000%	7,675
Noncurrent loans to loans	0.0000%	7,580
Net loans and leases to total assets	74.7292%	2,511
Net loans and leases to deposits	91.3923%	2,589
Net loans and leases to core deposits	113.7089%	2,942
Total domestic deposits to total assets	81.7676%	4,785
Equity capital to assets	12.9468%	1,717
Core capital (leverage) ratio	12.5183%	1,621
Tier 1 risk-based capital ratio	15.7955%	2,695
Total risk-based capital ratio	16.9093%	2,678
Memoranda:
Average total assets	$103,397,670	5,066
Average earning assets	$98,670,670	4,932
Average equity	$13,003,000	4,538
Average total loans	$78,920,000	4,622
2009-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	6.3831%	1,104
Cost of funding earning assets	1.8341%	4,946
Net interest margin	4.5489%	1,039
Noninterest income to average assets	0.5819%	3,671
Noninterest expense to average assets	2.7783%	4,661
Loan and lease loss provision to assets	0.4431%	2,708
Net operating income to assets	1.1252%	1,877
Return on assets (ROA)	1.1252%	2,002
Pretax return on assets	1.6993%	1,181
Return on Equity (ROE)	9.0796%	2,675
Retained earnings to average equity (ytd only)	9.0796%	1,453
Net charge-offs to loans	-0.0201%	7,440
Credit loss provision to net charge-offs	-2,875.0000%	6,672
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	56.4605%	6,905
Assets per employee ($millions)	4.6745%	2,473
Cash dividends to net income (ytd only)*	0.0000%	2,832
Condition Ratios (%)
Loss allowance to loans	1.3877%	3,568
Loan loss allowance to noncurrent loans	36,066.6667%	13
Noncurrent assets plus other real estate owned to assets	0.0029%	7,656
Noncurrent loans to loans	0.0038%	7,573
Net loans and leases to total assets	74.7644%	2,562
Net loans and leases to deposits	91.5430%	2,681
Net loans and leases to core deposits	116.0839%	2,797
Total domestic deposits to total assets	81.6714%	4,691
Equity capital to assets	12.6499%	1,907
Core capital (leverage) ratio	12.3652%	1,739
Tier 1 risk-based capital ratio	15.4208%	2,885
Total risk-based capital ratio	16.6712%	2,817
Memoranda:
Average total assets	$103,806,000	5,075
Average earning assets	$99,012,000	4,942
Average equity	$12,864,000	4,611
Average total loans	$79,585,500	4,628
2008-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	6.6237%	2,376
Cost of funding earning assets	2.5160%	4,112
Net interest margin	4.1077%	2,678
Noninterest income to average assets	0.8448%	2,263
Noninterest expense to average assets	3.0060%	4,063
Loan and lease loss provision to assets	0.1660%	5,261
Net operating income to assets	1.0275%	2,439
Return on assets (ROA)	1.0275%	2,328
Pretax return on assets	1.5541%	1,528
Return on Equity (ROE)	8.4065%	2,889
Retained earnings to average equity (ytd only)	4.8703%	2,100
Net charge-offs to loans	0.0568%	5,965
Credit loss provision to net charge-offs	384.0909%	1,148
Earnings coverage of net charge-offs (x)	39.7955%	937
Efficiency ratio	63.6042%	5,643
Assets per employee ($millions)	4.5553%	2,528
Cash dividends to net income (ytd only)*	42.0650%	3,559
Condition Ratios (%)
Loss allowance to loans	1.1859%	4,652
Loan loss allowance to noncurrent loans	19,260.0000%	37
Noncurrent assets plus other real estate owned to assets	0.0048%	7,633
Noncurrent loans to loans	0.0062%	7,531
Net loans and leases to total assets	76.5837%	2,479
Net loans and leases to deposits	93.2979%	2,902
Net loans and leases to core deposits	122.7009%	2,428
Total domestic deposits to total assets	82.0851%	4,167
Equity capital to assets	12.1396%	2,199
Core capital (leverage) ratio	12.1382%	1,907
Tier 1 risk-based capital ratio	14.4976%	3,300
Total risk-based capital ratio	15.4602%	3,360
Memoranda:
Average total assets	$101,797,800	5,000
Average earning assets	$96,185,000	4,915
Average equity	$12,442,800	4,715
Average total loans	$77,446,200	4,603