Home > Evergreen National Bank > Performance and Condition Ratios
Evergreen National Bank, Performance and Condition Ratios
| 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 | 4.8034% | 2,463 |
| Cost of funding earning assets | 0.0713% | 4,493 |
| Net interest margin | 4.7320% | 458 |
| Noninterest income to average assets | 0.8300% | 878 |
| Noninterest expense to average assets | 3.5000% | 576 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 1.2647% | 1,509 |
| Return on assets (ROA) | 1.2647% | 1,481 |
| Pretax return on assets | 1.7185% | 1,027 |
| Return on Equity (ROE) | 15.7100% | 1,153 |
| Retained earnings to average equity (ytd only) | 15.2658% | 313 |
| Net charge-offs to loans | -0.0392% | 4,313 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 66.1615% | 2,337 |
| Assets per employee ($millions) | 3.5835% | 4,278 |
| Cash dividends to net income (ytd only)* | 2.8297% | 3,373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1639% | 2,482 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 58.6000% | 2,984 |
| Net loans and leases to deposits | 64.8004% | 3,246 |
| Net loans and leases to core deposits | 64.8004% | 3,549 |
| Total domestic deposits to total assets | 90.4300% | 645 |
| Equity capital to assets | 9.3589% | 2,447 |
| Core capital (leverage) ratio | 11.1235% | 1,881 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4487% | 737 |
| Memoranda: | ||
| Average total assets | $139,714,000 | 3,463 |
| Average earning assets | $131,761,600 | 3,432 |
| Average equity | $11,247,400 | 3,595 |
| Average total loans | $71,432,400 | 3,527 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6391% | 2,590 |
| Cost of funding earning assets | 0.0030% | 4,545 |
| Net interest margin | 4.6361% | 502 |
| Noninterest income to average assets | 0.9000% | 762 |
| Noninterest expense to average assets | 3.2943% | 728 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.4690% | 1,190 |
| Return on assets (ROA) | 1.4690% | 1,173 |
| Pretax return on assets | 1.9779% | 774 |
| Return on Equity (ROE) | 18.9700% | 824 |
| Retained earnings to average equity (ytd only) | 18.3622% | 324 |
| Net charge-offs to loans | -0.0460% | 4,343 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 62.4844% | 2,663 |
| Assets per employee ($millions) | 3.8039% | 4,231 |
| Cash dividends to net income (ytd only)* | 3.2072% | 2,953 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0587% | 3,078 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 55.3500% | 3,262 |
| Net loans and leases to deposits | 60.5684% | 3,473 |
| Net loans and leases to core deposits | 60.5684% | 3,679 |
| Total domestic deposits to total assets | 91.3800% | 585 |
| Equity capital to assets | 8.4103% | 2,782 |
| Core capital (leverage) ratio | 10.5165% | 2,376 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5849% | 747 |
| Memoranda: | ||
| Average total assets | $141,494,750 | 3,452 |
| Average earning assets | $133,414,250 | 3,415 |
| Average equity | $10,957,000 | 3,620 |
| Average total loans | $69,637,500 | 3,564 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4744% | 2,715 |
| Cost of funding earning assets | 0.0030% | 4,570 |
| Net interest margin | 4.4714% | 634 |
| Noninterest income to average assets | 0.9200% | 658 |
| Noninterest expense to average assets | 3.2361% | 756 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.4083% | 1,307 |
| Return on assets (ROA) | 1.4083% | 1,291 |
| Pretax return on assets | 1.8935% | 879 |
| Return on Equity (ROE) | 18.7000% | 872 |
| Retained earnings to average equity (ytd only) | 18.6995% | 305 |
| Net charge-offs to loans | -0.0654% | 4,441 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 63.0862% | 2,582 |
| Assets per employee ($millions) | 3.7994% | 4,259 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1447% | 2,731 |
| Loan loss allowance to noncurrent loans | 1,093.2432% | 896 |
| Noncurrent assets plus other real estate owned to assets | 0.0541% | 3,234 |
| Noncurrent loans to loans | 0.1047% | 2,967 |
| Net loans and leases to total assets | 51.0800% | 3,484 |
| Net loans and leases to deposits | 55.7522% | 3,663 |
| Net loans and leases to core deposits | 55.7522% | 3,822 |
| Total domestic deposits to total assets | 91.6100% | 482 |
| Equity capital to assets | 8.1980% | 3,086 |
| Core capital (leverage) ratio | 10.1026% | 2,653 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1650% | 705 |
| Memoranda: | ||
| Average total assets | $143,013,000 | 3,447 |
| Average earning assets | $134,721,667 | 3,416 |
| Average equity | $10,770,333 | 3,653 |
| Average total loans | $67,316,000 | 3,605 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2489% | 2,932 |
| Cost of funding earning assets | 0.0029% | 4,614 |
| Net interest margin | 4.2460% | 881 |
| Noninterest income to average assets | 0.9300% | 645 |
| Noninterest expense to average assets | 3.2058% | 791 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.2758% | 1,735 |
| Return on assets (ROA) | 1.2758% | 1,703 |
| Pretax return on assets | 1.7165% | 1,241 |
| Return on Equity (ROE) | 17.6700% | 1,069 |
| Retained earnings to average equity (ytd only) | 17.6699% | 544 |
| Net charge-offs to loans | -0.0305% | 4,225 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 65.1279% | 2,309 |
| Assets per employee ($millions) | 4.1348% | 4,198 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2293% | 2,397 |
| Loan loss allowance to noncurrent loans | 395.2830% | 1,903 |
| Noncurrent assets plus other real estate owned to assets | 0.1465% | 2,487 |
| Noncurrent loans to loans | 0.3110% | 2,033 |
| Net loans and leases to total assets | 46.5300% | 3,746 |
| Net loans and leases to deposits | 50.4825% | 3,875 |
| Net loans and leases to core deposits | 50.4825% | 3,975 |
| Total domestic deposits to total assets | 92.1600% | 481 |
| Equity capital to assets | 7.6334% | 3,487 |
| Core capital (leverage) ratio | 9.3403% | 3,369 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.3364% | 710 |
| Memoranda: | ||
| Average total assets | $146,108,000 | 3,465 |
| Average earning assets | $137,447,000 | 3,436 |
| Average equity | $10,549,000 | 3,719 |
| Average total loans | $65,638,500 | 3,671 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3116% | 3,561 |
| Cost of funding earning assets | 0.0035% | 4,645 |
| Net interest margin | 3.3080% | 2,545 |
| Noninterest income to average assets | 0.8000% | 996 |
| Noninterest expense to average assets | 3.3159% | 612 |
| Loan and lease loss provision to assets | -0.0900% | 4,511 |
| Net operating income to assets | 0.5265% | 4,040 |
| Return on assets (ROA) | 0.5191% | 4,011 |
| Pretax return on assets | 0.6984% | 3,847 |
| Return on Equity (ROE) | 7.5700% | 3,496 |
| Retained earnings to average equity (ytd only) | 7.5691% | 1,999 |
| Net charge-offs to loans | -0.0273% | 4,167 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 84.1963% | 485 |
| Assets per employee ($millions) | 4.3381% | 4,121 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2455% | 2,177 |
| Loan loss allowance to noncurrent loans | 354.0541% | 1,983 |
| Noncurrent assets plus other real estate owned to assets | 0.1505% | 2,490 |
| Noncurrent loans to loans | 0.3518% | 1,885 |
| Net loans and leases to total assets | 42.2500% | 3,962 |
| Net loans and leases to deposits | 45.4364% | 4,070 |
| Net loans and leases to core deposits | 45.4364% | 4,136 |
| Total domestic deposits to total assets | 92.9900% | 409 |
| Equity capital to assets | 6.8144% | 3,760 |
| Core capital (leverage) ratio | 8.8083% | 3,855 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.6054% | 664 |
| Memoranda: | ||
| Average total assets | $150,066,800 | 3,440 |
| Average earning assets | $142,229,000 | 3,397 |
| Average equity | $10,291,800 | 3,834 |
| Average total loans | $58,528,400 | 3,756 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9511% | 3,982 |
| Cost of funding earning assets | 0.0028% | 4,685 |
| Net interest margin | 2.9483% | 3,362 |
| Noninterest income to average assets | 0.8900% | 844 |
| Noninterest expense to average assets | 3.3167% | 583 |
| Loan and lease loss provision to assets | -0.1100% | 4,594 |
| Net operating income to assets | 0.3601% | 4,306 |
| Return on assets (ROA) | 0.3503% | 4,272 |
| Pretax return on assets | 0.4707% | 4,186 |
| Return on Equity (ROE) | 5.1000% | 3,960 |
| Retained earnings to average equity (ytd only) | 5.1003% | 3,064 |
| Net charge-offs to loans | -0.0209% | 4,004 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 89.9688% | 318 |
| Assets per employee ($millions) | 4.2199% | 4,209 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3745% | 1,696 |
| Loan loss allowance to noncurrent loans | 339.1304% | 2,025 |
| Noncurrent assets plus other real estate owned to assets | 0.1557% | 2,528 |
| Noncurrent loans to loans | 0.4053% | 1,806 |
| Net loans and leases to total assets | 37.8900% | 4,154 |
| Net loans and leases to deposits | 40.5755% | 4,219 |
| Net loans and leases to core deposits | 40.5755% | 4,263 |
| Total domestic deposits to total assets | 93.3900% | 476 |
| Equity capital to assets | 6.3704% | 3,807 |
| Core capital (leverage) ratio | 8.4119% | 4,136 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3467% | 812 |
| Memoranda: | ||
| Average total assets | $150,709,250 | 3,461 |
| Average earning assets | $142,948,250 | 3,418 |
| Average equity | $10,352,000 | 3,880 |
| Average total loans | $57,383,750 | 3,796 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6250% | 4,248 |
| Cost of funding earning assets | 0.0028% | 4,751 |
| Net interest margin | 2.6222% | 3,866 |
| Noninterest income to average assets | 0.9821% | 702 |
| Noninterest expense to average assets | 3.4078% | 477 |
| Loan and lease loss provision to assets | -0.0422% | 4,497 |
| Net operating income to assets | 0.0779% | 4,530 |
| Return on assets (ROA) | 0.0633% | 4,511 |
| Pretax return on assets | 0.0857% | 4,500 |
| Return on Equity (ROE) | 0.9000% | 4,472 |
| Retained earnings to average equity (ytd only) | 0.9000% | 4,016 |
| Net charge-offs to loans | -0.0243% | 3,963 |
| Credit loss provision to net charge-offs | 457.1429% | 656 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.2143% | 212 |
| Assets per employee ($millions) | 4.4491% | 4,115 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4683% | 1,492 |
| Loan loss allowance to noncurrent loans | 376.7241% | 1,858 |
| Noncurrent assets plus other real estate owned to assets | 0.1534% | 2,638 |
| Noncurrent loans to loans | 0.3897% | 1,967 |
| Net loans and leases to total assets | 38.7736% | 4,130 |
| Net loans and leases to deposits | 41.5462% | 4,205 |
| Net loans and leases to core deposits | 41.5462% | 4,278 |
| Total domestic deposits to total assets | 93.3264% | 428 |
| Equity capital to assets | 6.4772% | 4,030 |
| Core capital (leverage) ratio | 8.2749% | 4,123 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6297% | 903 |
| Memoranda: | ||
| Average total assets | $151,713,000 | 3,481 |
| Average earning assets | $143,923,333 | 3,460 |
| Average equity | $10,666,333 | 3,916 |
| Average total loans | $57,596,000 | 3,834 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5106% | 4,254 |
| Cost of funding earning assets | 0.0028% | 4,766 |
| Net interest margin | 2.5078% | 3,894 |
| Noninterest income to average assets | 1.0610% | 607 |
| Noninterest expense to average assets | 3.4567% | 439 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | -0.0150% | 4,557 |
| Return on assets (ROA) | -0.0500% | 4,552 |
| Pretax return on assets | -0.0527% | 4,546 |
| Return on Equity (ROE) | -0.6847% | 4,574 |
| Retained earnings to average equity (ytd only) | -0.6847% | 4,109 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.4591% | 236 |
| Assets per employee ($millions) | 3.9717% | 4,412 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5302% | 1,457 |
| Loan loss allowance to noncurrent loans | 107.6647% | 3,311 |
| Noncurrent assets plus other real estate owned to assets | 0.5682% | 1,051 |
| Noncurrent loans to loans | 1.4212% | 597 |
| Net loans and leases to total assets | 39.3686% | 4,050 |
| Net loans and leases to deposits | 42.4983% | 4,143 |
| Net loans and leases to core deposits | 42.4983% | 4,219 |
| Total domestic deposits to total assets | 92.6357% | 369 |
| Equity capital to assets | 7.1323% | 4,144 |
| Core capital (leverage) ratio | 8.1461% | 4,198 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4984% | 826 |
| Memoranda: | ||
| Average total assets | $151,935,500 | 3,493 |
| Average earning assets | $144,190,500 | 3,470 |
| Average equity | $11,100,500 | 3,947 |
| Average total loans | $56,631,000 | 3,852 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3537% | 3,041 |
| Cost of funding earning assets | 0.0043% | 4,811 |
| Net interest margin | 3.3494% | 2,170 |
| Noninterest income to average assets | 1.1814% | 760 |
| Noninterest expense to average assets | 3.7590% | 366 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.4513% | 4,182 |
| Return on assets (ROA) | 0.4405% | 4,243 |
| Pretax return on assets | 0.5928% | 4,120 |
| Return on Equity (ROE) | 5.4298% | 3,901 |
| Retained earnings to average equity (ytd only) | 4.5841% | 2,975 |
| Net charge-offs to loans | 0.0031% | 2,506 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 442.0000% | 303 |
| Efficiency ratio | 86.1072% | 470 |
| Assets per employee ($millions) | 4.2411% | 4,305 |
| Cash dividends to net income (ytd only)* | 15.5763% | 3,176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6492% | 1,156 |
| Loan loss allowance to noncurrent loans | 171.8929% | 2,803 |
| Noncurrent assets plus other real estate owned to assets | 0.3333% | 1,903 |
| Noncurrent loans to loans | 0.9595% | 1,045 |
| Net loans and leases to total assets | 34.1648% | 4,365 |
| Net loans and leases to deposits | 37.0083% | 4,446 |
| Net loans and leases to core deposits | 37.0083% | 4,492 |
| Total domestic deposits to total assets | 92.3164% | 114 |
| Equity capital to assets | 7.4688% | 4,603 |
| Core capital (leverage) ratio | 8.0393% | 4,335 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6104% | 805 |
| Memoranda: | ||
| Average total assets | $145,755,600 | 3,525 |
| Average earning assets | $138,563,800 | 3,493 |
| Average equity | $11,823,600 | 3,952 |
| Average total loans | $65,043,600 | 3,743 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5917% | 2,580 |
| Cost of funding earning assets | 0.0039% | 4,887 |
| Net interest margin | 3.5878% | 1,629 |
| Noninterest income to average assets | 1.2385% | 752 |
| Noninterest expense to average assets | 3.8601% | 315 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.5858% | 4,027 |
| Return on assets (ROA) | 0.5652% | 4,116 |
| Pretax return on assets | 0.7610% | 3,955 |
| Return on Equity (ROE) | 6.8187% | 3,716 |
| Retained earnings to average equity (ytd only) | 5.9748% | 2,831 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.0624% | 571 |
| Assets per employee ($millions) | 3.8082% | 4,540 |
| Cash dividends to net income (ytd only)* | 12.3762% | 2,879 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4621% | 1,773 |
| Loan loss allowance to noncurrent loans | 331.2500% | 1,849 |
| Noncurrent assets plus other real estate owned to assets | 0.1831% | 2,885 |
| Noncurrent loans to loans | 0.4414% | 2,238 |
| Net loans and leases to total assets | 40.8851% | 4,157 |
| Net loans and leases to deposits | 44.5801% | 4,293 |
| Net loans and leases to core deposits | 44.5801% | 4,359 |
| Total domestic deposits to total assets | 91.7116% | 186 |
| Equity capital to assets | 8.0669% | 4,487 |
| Core capital (leverage) ratio | 8.2450% | 4,261 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $142,964,750 | 3,592 |
| Average earning assets | $135,828,250 | 3,558 |
| Average equity | $11,849,500 | 4,000 |
| Average total loans | $67,677,000 | 3,748 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7700% | 2,147 |
| Cost of funding earning assets | 0.0045% | 4,925 |
| Net interest margin | 3.7655% | 1,195 |
| Noninterest income to average assets | 1.2685% | 725 |
| Noninterest expense to average assets | 4.0152% | 289 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.6133% | 3,953 |
| Return on assets (ROA) | 0.6009% | 4,037 |
| Pretax return on assets | 0.8121% | 3,838 |
| Return on Equity (ROE) | 7.1830% | 3,608 |
| Retained earnings to average equity (ytd only) | 6.3359% | 2,678 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.9090% | 619 |
| Assets per employee ($millions) | 3.7559% | 4,578 |
| Cash dividends to net income (ytd only)* | 11.7925% | 2,810 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3333% | 2,273 |
| Loan loss allowance to noncurrent loans | 192.5214% | 2,516 |
| Noncurrent assets plus other real estate owned to assets | 0.3279% | 2,283 |
| Noncurrent loans to loans | 0.6926% | 1,693 |
| Net loans and leases to total assets | 46.7164% | 3,851 |
| Net loans and leases to deposits | 51.0974% | 4,041 |
| Net loans and leases to core deposits | 51.0974% | 4,181 |
| Total domestic deposits to total assets | 91.4260% | 247 |
| Equity capital to assets | 8.3736% | 4,303 |
| Core capital (leverage) ratio | 8.4582% | 4,014 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $141,112,667 | 3,624 |
| Average earning assets | $133,951,333 | 3,585 |
| Average equity | $11,805,667 | 4,011 |
| Average total loans | $69,694,667 | 3,732 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1337% | 3,818 |
| Cost of funding earning assets | 0.0060% | 4,953 |
| Net interest margin | 3.1277% | 2,909 |
| Noninterest income to average assets | 1.3770% | 692 |
| Noninterest expense to average assets | 3.9969% | 286 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.2603% | 4,576 |
| Return on assets (ROA) | 0.2423% | 4,624 |
| Pretax return on assets | 0.3250% | 4,576 |
| Return on Equity (ROE) | 2.8978% | 4,490 |
| Retained earnings to average equity (ytd only) | 2.8978% | 3,811 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.9948% | 331 |
| Assets per employee ($millions) | 3.7655% | 4,599 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2269% | 2,779 |
| Loan loss allowance to noncurrent loans | 229.8469% | 2,141 |
| Noncurrent assets plus other real estate owned to assets | 0.2740% | 2,786 |
| Noncurrent loans to loans | 0.5338% | 2,253 |
| Net loans and leases to total assets | 50.6912% | 3,565 |
| Net loans and leases to deposits | 55.3112% | 3,839 |
| Net loans and leases to core deposits | 55.3112% | 4,019 |
| Total domestic deposits to total assets | 91.6472% | 209 |
| Equity capital to assets | 8.1382% | 4,407 |
| Core capital (leverage) ratio | 8.5157% | 4,094 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $140,307,500 | 3,638 |
| Average earning assets | $133,132,500 | 3,594 |
| Average equity | $11,733,000 | 4,029 |
| Average total loans | $70,754,000 | 3,720 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9539% | 2,867 |
| Cost of funding earning assets | 0.0123% | 4,972 |
| Net interest margin | 3.9416% | 1,113 |
| Noninterest income to average assets | 1.6544% | 455 |
| Noninterest expense to average assets | 4.7509% | 215 |
| Loan and lease loss provision to assets | 0.1366% | 2,655 |
| Net operating income to assets | 0.3689% | 4,306 |
| Return on assets (ROA) | 0.4534% | 4,211 |
| Pretax return on assets | 0.6102% | 4,054 |
| Return on Equity (ROE) | 5.0028% | 3,903 |
| Retained earnings to average equity (ytd only) | 4.1417% | 2,739 |
| Net charge-offs to loans | 0.0168% | 2,758 |
| Credit loss provision to net charge-offs | 1,458.3333% | 570 |
| Earnings coverage of net charge-offs (x) | 68.3333% | 991 |
| Efficiency ratio | 88.1297% | 442 |
| Assets per employee ($millions) | 3.6191% | 4,600 |
| Cash dividends to net income (ytd only)* | 17.2117% | 3,351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3236% | 2,294 |
| Loan loss allowance to noncurrent loans | 66.1527% | 3,796 |
| Noncurrent assets plus other real estate owned to assets | 0.9904% | 964 |
| Noncurrent loans to loans | 2.0008% | 575 |
| Net loans and leases to total assets | 48.8435% | 3,915 |
| Net loans and leases to deposits | 53.5953% | 4,130 |
| Net loans and leases to core deposits | 53.5953% | 4,279 |
| Total domestic deposits to total assets | 91.1340% | 196 |
| Equity capital to assets | 8.5955% | 4,376 |
| Core capital (leverage) ratio | 8.5341% | 4,173 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $128,145,400 | 3,652 |
| Average earning assets | $121,474,200 | 3,608 |
| Average equity | $11,613,600 | 4,016 |
| Average total loans | $71,504,200 | 3,698 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8855% | 3,301 |
| Cost of funding earning assets | 0.0123% | 5,012 |
| Net interest margin | 3.8732% | 1,421 |
| Noninterest income to average assets | 1.5294% | 499 |
| Noninterest expense to average assets | 4.6072% | 235 |
| Loan and lease loss provision to assets | 0.1852% | 2,135 |
| Net operating income to assets | 0.2986% | 4,450 |
| Return on assets (ROA) | 0.4133% | 4,300 |
| Pretax return on assets | 0.5564% | 4,184 |
| Return on Equity (ROE) | 4.4975% | 4,029 |
| Retained earnings to average equity (ytd only) | 3.9209% | 3,091 |
| Net charge-offs to loans | 0.0221% | 2,408 |
| Credit loss provision to net charge-offs | 1,458.3333% | 627 |
| Earnings coverage of net charge-offs (x) | 46.9167% | 1,239 |
| Efficiency ratio | 88.5336% | 403 |
| Assets per employee ($millions) | 3.5595% | 4,633 |
| Cash dividends to net income (ytd only)* | 12.8205% | 3,062 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1028% | 3,194 |
| Loan loss allowance to noncurrent loans | 66.0557% | 3,791 |
| Noncurrent assets plus other real estate owned to assets | 1.0084% | 1,099 |
| Noncurrent loans to loans | 1.6694% | 827 |
| Net loans and leases to total assets | 59.7386% | 3,254 |
| Net loans and leases to deposits | 65.5757% | 3,651 |
| Net loans and leases to core deposits | 65.5757% | 3,919 |
| Total domestic deposits to total assets | 91.0987% | 155 |
| Equity capital to assets | 8.6751% | 4,351 |
| Core capital (leverage) ratio | 8.5588% | 4,220 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $125,800,500 | 3,668 |
| Average earning assets | $119,348,250 | 3,620 |
| Average equity | $11,561,750 | 4,027 |
| Average total loans | $72,362,000 | 3,696 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7038% | 4,082 |
| Cost of funding earning assets | 0.0172% | 5,043 |
| Net interest margin | 3.6866% | 2,218 |
| Noninterest income to average assets | 1.5280% | 443 |
| Noninterest expense to average assets | 4.6883% | 229 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.2354% | 4,526 |
| Return on assets (ROA) | 0.4093% | 4,278 |
| Pretax return on assets | 0.5528% | 4,153 |
| Return on Equity (ROE) | 4.3636% | 4,004 |
| Retained earnings to average equity (ytd only) | 3.9290% | 2,947 |
| Net charge-offs to loans | 0.0347% | 2,047 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 17.0000% | 1,833 |
| Efficiency ratio | 93.3745% | 313 |
| Assets per employee ($millions) | 3.5410% | 4,635 |
| Cash dividends to net income (ytd only)* | 9.9602% | 3,030 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9080% | 3,967 |
| Loan loss allowance to noncurrent loans | 41.4245% | 4,207 |
| Noncurrent assets plus other real estate owned to assets | 1.3395% | 755 |
| Noncurrent loans to loans | 2.1920% | 581 |
| Net loans and leases to total assets | 60.5550% | 3,261 |
| Net loans and leases to deposits | 66.6353% | 3,667 |
| Net loans and leases to core deposits | 66.6353% | 3,946 |
| Total domestic deposits to total assets | 90.8753% | 177 |
| Equity capital to assets | 8.9018% | 4,170 |
| Core capital (leverage) ratio | 9.2579% | 3,629 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $122,647,000 | 3,692 |
| Average earning assets | $116,204,667 | 3,646 |
| Average equity | $11,504,333 | 4,045 |
| Average total loans | $69,248,000 | 3,770 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0390% | 3,681 |
| Cost of funding earning assets | 0.0215% | 5,091 |
| Net interest margin | 4.0176% | 1,342 |
| Noninterest income to average assets | 1.7221% | 311 |
| Noninterest expense to average assets | 4.9738% | 227 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.4014% | 4,132 |
| Return on assets (ROA) | 0.4255% | 4,118 |
| Pretax return on assets | 0.5706% | 3,977 |
| Return on Equity (ROE) | 4.4114% | 3,848 |
| Retained earnings to average equity (ytd only) | 4.4114% | 2,533 |
| Net charge-offs to loans | 0.0752% | 1,269 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 13.3333% | 1,658 |
| Efficiency ratio | 90.2021% | 490 |
| Assets per employee ($millions) | 3.0699% | 4,762 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1390% | 2,996 |
| Loan loss allowance to noncurrent loans | 22.4768% | 4,489 |
| Noncurrent assets plus other real estate owned to assets | 2.7688% | 226 |
| Noncurrent loans to loans | 5.0674% | 120 |
| Net loans and leases to total assets | 54.0183% | 3,991 |
| Net loans and leases to deposits | 60.1960% | 4,188 |
| Net loans and leases to core deposits | 60.1960% | 4,350 |
| Total domestic deposits to total assets | 89.7373% | 403 |
| Equity capital to assets | 9.9901% | 3,794 |
| Core capital (leverage) ratio | 9.5361% | 3,942 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $118,461,500 | 3,727 |
| Average earning assets | $111,808,500 | 3,687 |
| Average equity | $11,425,000 | 4,075 |
| Average total loans | $63,839,500 | 3,885 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2390% | 3,711 |
| Cost of funding earning assets | 0.0247% | 5,154 |
| Net interest margin | 4.2143% | 1,295 |
| Noninterest income to average assets | 1.2896% | 566 |
| Noninterest expense to average assets | 4.6134% | 274 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.6065% | 4,135 |
| Return on assets (ROA) | 0.6081% | 4,197 |
| Pretax return on assets | 0.6599% | 4,306 |
| Return on Equity (ROE) | 6.5866% | 3,714 |
| Retained earnings to average equity (ytd only) | 5.6510% | 2,061 |
| Net charge-offs to loans | 0.0168% | 3,116 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 69.2727% | 892 |
| Efficiency ratio | 87.5143% | 466 |
| Assets per employee ($millions) | 3.0838% | 4,774 |
| Cash dividends to net income (ytd only)* | 14.2045% | 3,653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1527% | 2,679 |
| Loan loss allowance to noncurrent loans | 39.4540% | 4,276 |
| Noncurrent assets plus other real estate owned to assets | 1.5532% | 641 |
| Noncurrent loans to loans | 2.9216% | 331 |
| Net loans and leases to total assets | 52.5501% | 4,181 |
| Net loans and leases to deposits | 58.1137% | 4,367 |
| Net loans and leases to core deposits | 58.1137% | 4,517 |
| Total domestic deposits to total assets | 90.4264% | 211 |
| Equity capital to assets | 9.3092% | 4,486 |
| Core capital (leverage) ratio | 9.3399% | 4,236 |
| Tier 1 risk-based capital ratio | 18.5180% | 1,624 |
| Total risk-based capital ratio | 19.7692% | 1,600 |
| Memoranda: | ||
| Average total assets | $115,772,000 | 3,751 |
| Average earning assets | $109,390,000 | 3,720 |
| Average equity | $10,688,400 | 4,158 |
| Average total loans | $65,473,400 | 3,872 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3073% | 3,636 |
| Cost of funding earning assets | 0.0246% | 5,234 |
| Net interest margin | 4.2827% | 1,192 |
| Noninterest income to average assets | 1.2990% | 550 |
| Noninterest expense to average assets | 4.5948% | 275 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.5547% | 4,396 |
| Return on assets (ROA) | 0.5547% | 4,449 |
| Pretax return on assets | 0.7466% | 4,247 |
| Return on Equity (ROE) | 6.0217% | 4,041 |
| Retained earnings to average equity (ytd only) | 5.0749% | 2,858 |
| Net charge-offs to loans | 0.0263% | 2,566 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 49.3930% | 1,207 |
| Efficiency ratio | 86.0222% | 500 |
| Assets per employee ($millions) | 2.8876% | 4,943 |
| Cash dividends to net income (ytd only)* | 15.7238% | 3,199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1647% | 2,692 |
| Loan loss allowance to noncurrent loans | 42.2989% | 4,299 |
| Noncurrent assets plus other real estate owned to assets | 1.4697% | 771 |
| Noncurrent loans to loans | 2.7534% | 388 |
| Net loans and leases to total assets | 52.7561% | 4,269 |
| Net loans and leases to deposits | 58.3267% | 4,461 |
| Net loans and leases to core deposits | 58.3267% | 4,593 |
| Total domestic deposits to total assets | 90.4494% | 181 |
| Equity capital to assets | 9.2778% | 4,611 |
| Core capital (leverage) ratio | 9.6267% | 4,046 |
| Tier 1 risk-based capital ratio | 18.7042% | 1,637 |
| Total risk-based capital ratio | 19.9560% | 1,608 |
| Memoranda: | ||
| Average total assets | $114,648,000 | 3,814 |
| Average earning assets | $108,216,750 | 3,786 |
| Average equity | $10,561,500 | 4,221 |
| Average total loans | $65,857,250 | 3,905 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4044% | 3,316 |
| Cost of funding earning assets | 0.0225% | 5,282 |
| Net interest margin | 4.3819% | 974 |
| Noninterest income to average assets | 1.1040% | 701 |
| Noninterest expense to average assets | 4.5044% | 304 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.5414% | 4,442 |
| Return on assets (ROA) | 0.5414% | 4,473 |
| Pretax return on assets | 0.7284% | 4,261 |
| Return on Equity (ROE) | 5.8921% | 4,078 |
| Retained earnings to average equity (ytd only) | 4.9325% | 2,803 |
| Net charge-offs to loans | 0.0809% | 1,551 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 15.2963% | 1,993 |
| Efficiency ratio | 86.0802% | 544 |
| Assets per employee ($millions) | 2.7666% | 5,032 |
| Cash dividends to net income (ytd only)* | 16.2866% | 3,129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1154% | 2,992 |
| Loan loss allowance to noncurrent loans | 43.9708% | 4,320 |
| Noncurrent assets plus other real estate owned to assets | 1.4476% | 792 |
| Noncurrent loans to loans | 2.5367% | 465 |
| Net loans and leases to total assets | 56.4294% | 4,050 |
| Net loans and leases to deposits | 62.5357% | 4,306 |
| Net loans and leases to core deposits | 62.5357% | 4,481 |
| Total domestic deposits to total assets | 90.2356% | 267 |
| Equity capital to assets | 9.5105% | 4,391 |
| Core capital (leverage) ratio | 9.7303% | 3,901 |
| Tier 1 risk-based capital ratio | 17.8810% | 1,837 |
| Total risk-based capital ratio | 19.1311% | 1,788 |
| Memoranda: | ||
| Average total assets | $113,400,670 | 3,853 |
| Average earning assets | $106,848,330 | 3,824 |
| Average equity | $10,420,670 | 4,247 |
| Average total loans | $66,745,000 | 3,909 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3459% | 3,416 |
| Cost of funding earning assets | 0.0262% | 5,341 |
| Net interest margin | 4.3197% | 1,062 |
| Noninterest income to average assets | 0.7655% | 1,376 |
| Noninterest expense to average assets | 4.1910% | 408 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.4833% | 4,565 |
| Return on assets (ROA) | 0.4833% | 4,589 |
| Pretax return on assets | 0.6491% | 4,418 |
| Return on Equity (ROE) | 5.3531% | 4,238 |
| Retained earnings to average equity (ytd only) | 4.3763% | 3,178 |
| Net charge-offs to loans | 0.1299% | 963 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 8.3636% | 2,087 |
| Efficiency ratio | 86.5889% | 542 |
| Assets per employee ($millions) | 2.9516% | 4,996 |
| Cash dividends to net income (ytd only)* | 18.2482% | 2,510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0841% | 3,214 |
| Loan loss allowance to noncurrent loans | 74.8713% | 3,786 |
| Noncurrent assets plus other real estate owned to assets | 1.1038% | 1,257 |
| Noncurrent loans to loans | 1.4479% | 1,117 |
| Net loans and leases to total assets | 59.1427% | 3,776 |
| Net loans and leases to deposits | 65.3895% | 4,101 |
| Net loans and leases to core deposits | 65.3895% | 4,305 |
| Total domestic deposits to total assets | 90.4468% | 305 |
| Equity capital to assets | 9.2546% | 4,477 |
| Core capital (leverage) ratio | 9.5309% | 4,095 |
| Tier 1 risk-based capital ratio | 17.2903% | 2,018 |
| Total risk-based capital ratio | 18.5402% | 1,958 |
| Memoranda: | ||
| Average total assets | $113,385,000 | 3,889 |
| Average earning assets | $106,951,000 | 3,863 |
| Average equity | $10,237,000 | 4,291 |
| Average total loans | $67,752,000 | 3,929 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3742% | 2,850 |
| Cost of funding earning assets | 0.0238% | 5,381 |
| Net interest margin | 4.3503% | 1,034 |
| Noninterest income to average assets | 0.9561% | 1,050 |
| Noninterest expense to average assets | 4.1950% | 400 |
| Loan and lease loss provision to assets | 0.0446% | 3,291 |
| Net operating income to assets | 0.5882% | 4,449 |
| Return on assets (ROA) | 0.5946% | 4,444 |
| Pretax return on assets | 0.7999% | 4,168 |
| Return on Equity (ROE) | 6.9273% | 3,850 |
| Retained earnings to average equity (ytd only) | 6.9273% | 1,707 |
| Net charge-offs to loans | 0.0145% | 3,195 |
| Credit loss provision to net charge-offs | 500.0000% | 689 |
| Earnings coverage of net charge-offs (x) | 93.7000% | 768 |
| Efficiency ratio | 83.3747% | 690 |
| Assets per employee ($millions) | 3.0160% | 4,985 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0944% | 3,137 |
| Loan loss allowance to noncurrent loans | 125.2508% | 3,043 |
| Noncurrent assets plus other real estate owned to assets | 0.7678% | 1,820 |
| Noncurrent loans to loans | 0.8737% | 1,847 |
| Net loans and leases to total assets | 59.0643% | 3,865 |
| Net loans and leases to deposits | 64.9689% | 4,190 |
| Net loans and leases to core deposits | 64.9689% | 4,406 |
| Total domestic deposits to total assets | 90.9117% | 228 |
| Equity capital to assets | 8.8073% | 4,730 |
| Core capital (leverage) ratio | 9.2110% | 4,445 |
| Tier 1 risk-based capital ratio | 17.0280% | 2,057 |
| Total risk-based capital ratio | 18.2784% | 1,999 |
| Memoranda: | ||
| Average total assets | $112,014,000 | 3,908 |
| Average earning assets | $104,934,600 | 3,896 |
| Average equity | $9,614,200 | 4,370 |
| Average total loans | $69,160,200 | 3,888 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4515% | 2,457 |
| Cost of funding earning assets | 0.0231% | 5,451 |
| Net interest margin | 4.4285% | 851 |
| Noninterest income to average assets | 0.9015% | 1,196 |
| Noninterest expense to average assets | 4.2095% | 393 |
| Loan and lease loss provision to assets | 0.0599% | 2,782 |
| Net operating income to assets | 0.5711% | 4,585 |
| Return on assets (ROA) | 0.5711% | 4,586 |
| Pretax return on assets | 0.7722% | 4,366 |
| Return on Equity (ROE) | 6.6986% | 4,035 |
| Retained earnings to average equity (ytd only) | 6.6986% | 2,282 |
| Net charge-offs to loans | 0.0192% | 2,761 |
| Credit loss provision to net charge-offs | 500.0000% | 694 |
| Earnings coverage of net charge-offs (x) | 69.5154% | 964 |
| Efficiency ratio | 83.4956% | 676 |
| Assets per employee ($millions) | 2.9626% | 5,062 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0739% | 3,330 |
| Loan loss allowance to noncurrent loans | 64.6247% | 4,108 |
| Noncurrent assets plus other real estate owned to assets | 1.2472% | 1,116 |
| Noncurrent loans to loans | 1.6617% | 939 |
| Net loans and leases to total assets | 59.7168% | 3,874 |
| Net loans and leases to deposits | 65.3923% | 4,245 |
| Net loans and leases to core deposits | 65.3923% | 4,440 |
| Total domestic deposits to total assets | 91.3209% | 164 |
| Equity capital to assets | 8.3848% | 4,988 |
| Core capital (leverage) ratio | 9.1843% | 4,530 |
| Tier 1 risk-based capital ratio | 15.9124% | 2,478 |
| Total risk-based capital ratio | 17.1628% | 2,415 |
| Memoranda: | ||
| Average total assets | $111,365,250 | 3,959 |
| Average earning assets | $104,111,750 | 3,953 |
| Average equity | $9,494,250 | 4,423 |
| Average total loans | $69,339,750 | 3,920 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2343% | 2,997 |
| Cost of funding earning assets | 0.0215% | 5,513 |
| Net interest margin | 4.2128% | 1,255 |
| Noninterest income to average assets | 0.8002% | 1,476 |
| Noninterest expense to average assets | 4.2410% | 391 |
| Loan and lease loss provision to assets | 0.0909% | 2,108 |
| Net operating income to assets | 0.2910% | 5,129 |
| Return on assets (ROA) | 0.2910% | 5,121 |
| Pretax return on assets | 0.3946% | 5,048 |
| Return on Equity (ROE) | 3.3935% | 4,948 |
| Retained earnings to average equity (ytd only) | 3.3935% | 3,881 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.7268% | 383 |
| Assets per employee ($millions) | 2.8518% | 5,192 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0855% | 3,356 |
| Loan loss allowance to noncurrent loans | 94.8750% | 3,562 |
| Noncurrent assets plus other real estate owned to assets | 0.9984% | 1,506 |
| Noncurrent loans to loans | 1.1442% | 1,533 |
| Net loans and leases to total assets | 63.8184% | 3,424 |
| Net loans and leases to deposits | 70.0581% | 3,851 |
| Net loans and leases to core deposits | 70.0581% | 4,138 |
| Total domestic deposits to total assets | 91.0935% | 230 |
| Equity capital to assets | 8.6897% | 4,809 |
| Core capital (leverage) ratio | 9.0490% | 4,649 |
| Tier 1 risk-based capital ratio | 15.2362% | 2,765 |
| Total risk-based capital ratio | 16.4859% | 2,690 |
| Memoranda: | ||
| Average total assets | $109,973,000 | 4,018 |
| Average earning assets | $102,497,330 | 4,009 |
| Average equity | $9,429,670 | 4,469 |
| Average total loans | $69,204,000 | 3,950 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0762% | 3,318 |
| Cost of funding earning assets | 0.0194% | 5,580 |
| Net interest margin | 4.0568% | 1,544 |
| Noninterest income to average assets | 0.6680% | 1,965 |
| Noninterest expense to average assets | 4.1381% | 444 |
| Loan and lease loss provision to assets | 0.1805% | 947 |
| Net operating income to assets | 0.0903% | 5,337 |
| Return on assets (ROA) | 0.0903% | 5,332 |
| Pretax return on assets | 0.1228% | 5,324 |
| Return on Equity (ROE) | 1.0598% | 5,302 |
| Retained earnings to average equity (ytd only) | 1.0598% | 4,614 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.1707% | 327 |
| Assets per employee ($millions) | 2.9200% | 5,205 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1086% | 3,324 |
| Loan loss allowance to noncurrent loans | 202.9412% | 2,214 |
| Noncurrent assets plus other real estate owned to assets | 0.5912% | 2,552 |
| Noncurrent loans to loans | 0.5463% | 2,887 |
| Net loans and leases to total assets | 61.0189% | 3,644 |
| Net loans and leases to deposits | 66.8008% | 4,033 |
| Net loans and leases to core deposits | 66.8008% | 4,265 |
| Total domestic deposits to total assets | 91.3446% | 220 |
| Equity capital to assets | 8.4202% | 5,034 |
| Core capital (leverage) ratio | 8.9332% | 4,755 |
| Tier 1 risk-based capital ratio | 15.3140% | 2,731 |
| Total risk-based capital ratio | 16.5641% | 2,672 |
| Memoranda: | ||
| Average total assets | $110,774,500 | 4,053 |
| Average earning assets | $103,038,000 | 4,045 |
| Average equity | $9,436,000 | 4,514 |
| Average total loans | $68,846,500 | 3,991 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8141% | 4,003 |
| Cost of funding earning assets | 0.0059% | 5,653 |
| Net interest margin | 3.8082% | 2,392 |
| Noninterest income to average assets | 0.7569% | 1,748 |
| Noninterest expense to average assets | 3.9555% | 569 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.1159% | 5,242 |
| Return on assets (ROA) | 0.1277% | 5,229 |
| Pretax return on assets | 0.3610% | 5,139 |
| Return on Equity (ROE) | 1.4319% | 5,162 |
| Retained earnings to average equity (ytd only) | 1.0301% | 4,621 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.0282% | 353 |
| Assets per employee ($millions) | 3.2526% | 4,986 |
| Cash dividends to net income (ytd only)* | 28.0576% | 3,375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0242% | 3,781 |
| Loan loss allowance to noncurrent loans | 155.8242% | 2,732 |
| Noncurrent assets plus other real estate owned to assets | 0.6664% | 2,313 |
| Noncurrent loans to loans | 0.6572% | 2,569 |
| Net loans and leases to total assets | 61.9577% | 3,630 |
| Net loans and leases to deposits | 67.9738% | 4,031 |
| Net loans and leases to core deposits | 67.9738% | 4,296 |
| Total domestic deposits to total assets | 91.1493% | 210 |
| Equity capital to assets | 8.6165% | 5,021 |
| Core capital (leverage) ratio | 8.8215% | 4,840 |
| Tier 1 risk-based capital ratio | 15.3379% | 2,690 |
| Total risk-based capital ratio | 16.5892% | 2,627 |
| Memoranda: | ||
| Average total assets | $108,862,200 | 4,083 |
| Average earning assets | $101,228,800 | 4,075 |
| Average equity | $9,707,400 | 4,496 |
| Average total loans | $61,816,800 | 4,157 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7102% | 4,295 |
| Cost of funding earning assets | 0.0053% | 5,719 |
| Net interest margin | 3.7049% | 2,741 |
| Noninterest income to average assets | 0.7722% | 1,694 |
| Noninterest expense to average assets | 3.8119% | 660 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.2462% | 5,304 |
| Return on assets (ROA) | 0.2619% | 5,299 |
| Pretax return on assets | 0.4291% | 5,138 |
| Return on Equity (ROE) | 2.9121% | 5,129 |
| Retained earnings to average equity (ytd only) | 2.9121% | 4,170 |
| Net charge-offs to loans | 0.0045% | 3,572 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 164.2921% | 506 |
| Efficiency ratio | 90.4054% | 396 |
| Assets per employee ($millions) | 3.1365% | 5,137 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0837% | 3,585 |
| Loan loss allowance to noncurrent loans | 174.1379% | 2,480 |
| Noncurrent assets plus other real estate owned to assets | 0.6695% | 2,497 |
| Noncurrent loans to loans | 0.6223% | 2,843 |
| Net loans and leases to total assets | 58.7826% | 3,982 |
| Net loans and leases to deposits | 64.7850% | 4,335 |
| Net loans and leases to core deposits | 64.7850% | 4,566 |
| Total domestic deposits to total assets | 90.7350% | 245 |
| Equity capital to assets | 9.0509% | 4,870 |
| Core capital (leverage) ratio | 8.9215% | 4,834 |
| Tier 1 risk-based capital ratio | 16.0962% | 2,460 |
| Total risk-based capital ratio | 17.3481% | 2,404 |
| Memoranda: | ||
| Average total assets | $108,430,250 | 4,127 |
| Average earning assets | $100,799,500 | 4,125 |
| Average equity | $9,752,000 | 4,537 |
| Average total loans | $59,964,000 | 4,241 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5853% | 4,551 |
| Cost of funding earning assets | 0.0060% | 5,769 |
| Net interest margin | 3.5793% | 3,113 |
| Noninterest income to average assets | 0.7835% | 1,628 |
| Noninterest expense to average assets | 3.7951% | 675 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.1911% | 5,407 |
| Return on assets (ROA) | 0.2149% | 5,388 |
| Pretax return on assets | 0.3519% | 5,265 |
| Return on Equity (ROE) | 2.3941% | 5,259 |
| Retained earnings to average equity (ytd only) | 2.3941% | 4,248 |
| Net charge-offs to loans | 0.0034% | 3,366 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 170.0000% | 459 |
| Efficiency ratio | 92.3389% | 353 |
| Assets per employee ($millions) | 3.1554% | 5,143 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2056% | 2,978 |
| Loan loss allowance to noncurrent loans | 154.2484% | 2,725 |
| Noncurrent assets plus other real estate owned to assets | 0.7345% | 2,363 |
| Noncurrent loans to loans | 0.7816% | 2,451 |
| Net loans and leases to total assets | 54.0785% | 4,382 |
| Net loans and leases to deposits | 59.6766% | 4,655 |
| Net loans and leases to core deposits | 59.6766% | 4,833 |
| Total domestic deposits to total assets | 90.6192% | 318 |
| Equity capital to assets | 9.1916% | 4,724 |
| Core capital (leverage) ratio | 9.0578% | 4,656 |
| Tier 1 risk-based capital ratio | 17.2020% | 2,098 |
| Total risk-based capital ratio | 18.4552% | 2,045 |
| Memoranda: | ||
| Average total assets | $107,980,670 | 4,167 |
| Average earning assets | $100,354,330 | 4,159 |
| Average equity | $9,690,670 | 4,565 |
| Average total loans | $58,206,000 | 4,308 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4996% | 4,694 |
| Cost of funding earning assets | 0.0079% | 5,830 |
| Net interest margin | 3.4917% | 3,303 |
| Noninterest income to average assets | 0.8123% | 1,508 |
| Noninterest expense to average assets | 3.8549% | 636 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.1255% | 5,484 |
| Return on assets (ROA) | 0.1255% | 5,493 |
| Pretax return on assets | 0.2031% | 5,433 |
| Return on Equity (ROE) | 1.4159% | 5,437 |
| Retained earnings to average equity (ytd only) | 1.4159% | 4,535 |
| Net charge-offs to loans | 0.0276% | 2,203 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 13.7500% | 1,763 |
| Efficiency ratio | 94.9955% | 344 |
| Assets per employee ($millions) | 3.0887% | 5,283 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2245% | 2,973 |
| Loan loss allowance to noncurrent loans | 157.7181% | 2,726 |
| Noncurrent assets plus other real estate owned to assets | 0.7169% | 2,503 |
| Noncurrent loans to loans | 0.7764% | 2,524 |
| Net loans and leases to total assets | 52.6063% | 4,460 |
| Net loans and leases to deposits | 57.9171% | 4,705 |
| Net loans and leases to core deposits | 57.9171% | 4,883 |
| Total domestic deposits to total assets | 90.8302% | 350 |
| Equity capital to assets | 8.9533% | 4,856 |
| Core capital (leverage) ratio | 8.8305% | 4,927 |
| Tier 1 risk-based capital ratio | 17.4780% | 2,034 |
| Total risk-based capital ratio | 18.7342% | 1,990 |
| Memoranda: | ||
| Average total assets | $108,329,500 | 4,203 |
| Average earning assets | $100,697,000 | 4,193 |
| Average equity | $9,605,500 | 4,604 |
| Average total loans | $57,946,500 | 4,347 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5131% | 4,750 |
| Cost of funding earning assets | 0.0060% | 5,889 |
| Net interest margin | 3.5070% | 3,401 |
| Noninterest income to average assets | 0.7874% | 1,797 |
| Noninterest expense to average assets | 3.7720% | 802 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.1545% | 5,490 |
| Return on assets (ROA) | 0.2547% | 5,382 |
| Pretax return on assets | 0.4168% | 5,190 |
| Return on Equity (ROE) | 2.8225% | 5,208 |
| Retained earnings to average equity (ytd only) | 2.8225% | 3,892 |
| Net charge-offs to loans | 0.0850% | 2,479 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 5.8542% | 3,269 |
| Efficiency ratio | 93.5447% | 401 |
| Assets per employee ($millions) | 3.0154% | 5,347 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2157% | 3,023 |
| Loan loss allowance to noncurrent loans | 144.9898% | 2,876 |
| Noncurrent assets plus other real estate owned to assets | 0.7793% | 2,402 |
| Noncurrent loans to loans | 0.8385% | 2,428 |
| Net loans and leases to total assets | 53.0694% | 4,519 |
| Net loans and leases to deposits | 58.3170% | 4,767 |
| Net loans and leases to core deposits | 58.3170% | 4,946 |
| Total domestic deposits to total assets | 91.0017% | 281 |
| Equity capital to assets | 8.7809% | 5,039 |
| Core capital (leverage) ratio | 8.6945% | 5,082 |
| Tier 1 risk-based capital ratio | 17.1693% | 2,103 |
| Total risk-based capital ratio | 18.4287% | 2,058 |
| Memoranda: | ||
| Average total assets | $107,954,600 | 4,209 |
| Average earning assets | $99,884,600 | 4,205 |
| Average equity | $9,743,200 | 4,627 |
| Average total loans | $56,438,400 | 4,397 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5041% | 4,791 |
| Cost of funding earning assets | 0.0053% | 5,957 |
| Net interest margin | 3.4988% | 3,471 |
| Noninterest income to average assets | 0.7891% | 1,808 |
| Noninterest expense to average assets | 3.7734% | 770 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.1507% | 5,553 |
| Return on assets (ROA) | 0.2845% | 5,399 |
| Pretax return on assets | 0.4650% | 5,198 |
| Return on Equity (ROE) | 3.1305% | 5,188 |
| Retained earnings to average equity (ytd only) | 3.1305% | 4,041 |
| Net charge-offs to loans | 0.1144% | 1,801 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 4.3123% | 3,287 |
| Efficiency ratio | 93.6464% | 402 |
| Assets per employee ($millions) | 3.1487% | 5,242 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2543% | 2,927 |
| Loan loss allowance to noncurrent loans | 123.3043% | 3,195 |
| Noncurrent assets plus other real estate owned to assets | 0.8457% | 2,435 |
| Noncurrent loans to loans | 1.0173% | 2,210 |
| Net loans and leases to total assets | 50.6474% | 4,772 |
| Net loans and leases to deposits | 55.8044% | 5,011 |
| Net loans and leases to core deposits | 55.8044% | 5,156 |
| Total domestic deposits to total assets | 90.7589% | 255 |
| Equity capital to assets | 9.0379% | 5,137 |
| Core capital (leverage) ratio | 8.5586% | 5,307 |
| Tier 1 risk-based capital ratio | 17.8540% | 1,957 |
| Total risk-based capital ratio | 19.1140% | 1,923 |
| Memoranda: | ||
| Average total assets | $107,804,750 | 4,239 |
| Average earning assets | $99,841,250 | 4,243 |
| Average equity | $9,796,000 | 4,654 |
| Average total loans | $55,968,500 | 4,440 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3432% | 5,199 |
| Cost of funding earning assets | 0.0061% | 6,033 |
| Net interest margin | 3.3371% | 4,099 |
| Noninterest income to average assets | 0.7719% | 1,840 |
| Noninterest expense to average assets | 3.7101% | 864 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.0819% | 5,687 |
| Return on assets (ROA) | 0.2841% | 5,446 |
| Pretax return on assets | 0.4635% | 5,218 |
| Return on Equity (ROE) | 3.1207% | 5,215 |
| Retained earnings to average equity (ytd only) | 3.1207% | 3,919 |
| Net charge-offs to loans | 0.2115% | 1,109 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 1.3390% | 3,422 |
| Efficiency ratio | 96.1725% | 339 |
| Assets per employee ($millions) | 2.8540% | 5,576 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1852% | 3,435 |
| Loan loss allowance to noncurrent loans | 128.7823% | 3,173 |
| Noncurrent assets plus other real estate owned to assets | 0.8513% | 2,462 |
| Noncurrent loans to loans | 0.9203% | 2,434 |
| Net loans and leases to total assets | 55.1094% | 4,402 |
| Net loans and leases to deposits | 60.9474% | 4,735 |
| Net loans and leases to core deposits | 60.9474% | 4,940 |
| Total domestic deposits to total assets | 90.4213% | 342 |
| Equity capital to assets | 9.3950% | 4,871 |
| Core capital (leverage) ratio | 8.6069% | 5,258 |
| Tier 1 risk-based capital ratio | 17.2433% | 2,144 |
| Total risk-based capital ratio | 18.5019% | 2,108 |
| Memoranda: | ||
| Average total assets | $107,005,330 | 4,290 |
| Average earning assets | $98,947,330 | 4,290 |
| Average equity | $9,741,330 | 4,697 |
| Average total loans | $55,783,330 | 4,479 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2617% | 5,393 |
| Cost of funding earning assets | 0.0080% | 6,092 |
| Net interest margin | 3.2536% | 4,387 |
| Noninterest income to average assets | 0.7205% | 1,935 |
| Noninterest expense to average assets | 3.7100% | 884 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | -0.0027% | 5,788 |
| Return on assets (ROA) | 0.3491% | 5,235 |
| Pretax return on assets | 0.5719% | 4,897 |
| Return on Equity (ROE) | 3.8958% | 4,924 |
| Retained earnings to average equity (ytd only) | 3.8958% | 3,546 |
| Net charge-offs to loans | -0.0295% | 5,063 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.4030% | 307 |
| Assets per employee ($millions) | 3.0831% | 5,421 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4241% | 2,315 |
| Loan loss allowance to noncurrent loans | 252.8239% | 1,852 |
| Noncurrent assets plus other real estate owned to assets | 0.6098% | 3,239 |
| Noncurrent loans to loans | 0.5633% | 3,499 |
| Net loans and leases to total assets | 48.8157% | 4,906 |
| Net loans and leases to deposits | 53.7932% | 5,111 |
| Net loans and leases to core deposits | 53.7932% | 5,265 |
| Total domestic deposits to total assets | 90.7469% | 349 |
| Equity capital to assets | 9.0362% | 5,136 |
| Core capital (leverage) ratio | 8.5166% | 5,376 |
| Tier 1 risk-based capital ratio | 18.4379% | 1,873 |
| Total risk-based capital ratio | 19.6995% | 1,827 |
| Memoranda: | ||
| Average total assets | $107,708,500 | 4,309 |
| Average earning assets | $99,703,500 | 4,307 |
| Average equity | $9,651,500 | 4,733 |
| Average total loans | $54,228,500 | 4,546 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4949% | 4,934 |
| Cost of funding earning assets | 0.0053% | 6,157 |
| Net interest margin | 3.4897% | 3,560 |
| Noninterest income to average assets | 0.7504% | 1,985 |
| Noninterest expense to average assets | 3.8996% | 760 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.0357% | 5,838 |
| Return on assets (ROA) | 0.0630% | 5,838 |
| Pretax return on assets | 0.1047% | 5,794 |
| Return on Equity (ROE) | 0.6808% | 5,815 |
| Retained earnings to average equity (ytd only) | 0.6808% | 5,241 |
| Net charge-offs to loans | -0.0356% | 5,459 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.4337% | 325 |
| Assets per employee ($millions) | 2.9863% | 5,529 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3759% | 2,531 |
| Loan loss allowance to noncurrent loans | 137.6364% | 2,982 |
| Noncurrent assets plus other real estate owned to assets | 0.8585% | 2,521 |
| Noncurrent loans to loans | 0.9997% | 2,339 |
| Net loans and leases to total assets | 50.4730% | 4,828 |
| Net loans and leases to deposits | 55.5343% | 5,075 |
| Net loans and leases to core deposits | 55.5343% | 5,226 |
| Total domestic deposits to total assets | 90.8862% | 309 |
| Equity capital to assets | 8.8850% | 5,237 |
| Core capital (leverage) ratio | 8.3937% | 5,530 |
| Tier 1 risk-based capital ratio | 17.2914% | 2,184 |
| Total risk-based capital ratio | 18.5582% | 2,136 |
| Memoranda: | ||
| Average total assets | $103,139,200 | 4,403 |
| Average earning assets | $94,909,000 | 4,416 |
| Average equity | $9,547,200 | 4,736 |
| Average total loans | $56,227,800 | 4,497 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4934% | 4,996 |
| Cost of funding earning assets | 0.0057% | 6,243 |
| Net interest margin | 3.4877% | 3,588 |
| Noninterest income to average assets | 0.7173% | 2,157 |
| Noninterest expense to average assets | 3.9393% | 707 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | -0.0052% | 5,942 |
| Return on assets (ROA) | -0.0052% | 5,975 |
| Pretax return on assets | -0.0104% | 5,975 |
| Return on Equity (ROE) | -0.0558% | 5,976 |
| Retained earnings to average equity (ytd only) | -0.0558% | 5,603 |
| Net charge-offs to loans | -0.0543% | 5,569 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.2660% | 295 |
| Assets per employee ($millions) | 2.8249% | 5,736 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3576% | 2,805 |
| Loan loss allowance to noncurrent loans | 148.4375% | 2,834 |
| Noncurrent assets plus other real estate owned to assets | 0.8467% | 2,762 |
| Noncurrent loans to loans | 0.9146% | 2,692 |
| Net loans and leases to total assets | 52.8349% | 4,678 |
| Net loans and leases to deposits | 58.3401% | 4,972 |
| Net loans and leases to core deposits | 58.3401% | 5,167 |
| Total domestic deposits to total assets | 90.5635% | 372 |
| Equity capital to assets | 9.1906% | 5,127 |
| Core capital (leverage) ratio | 8.6252% | 5,435 |
| Tier 1 risk-based capital ratio | 16.9244% | 2,407 |
| Total risk-based capital ratio | 18.1909% | 2,348 |
| Memoranda: | ||
| Average total assets | $102,047,250 | 4,467 |
| Average earning assets | $93,965,250 | 4,485 |
| Average equity | $9,546,000 | 4,795 |
| Average total loans | $56,530,000 | 4,528 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5386% | 4,886 |
| Cost of funding earning assets | 0.0064% | 6,319 |
| Net interest margin | 3.5321% | 3,369 |
| Noninterest income to average assets | 0.8812% | 1,504 |
| Noninterest expense to average assets | 3.9497% | 719 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.1087% | 5,866 |
| Return on assets (ROA) | 0.1087% | 5,914 |
| Pretax return on assets | 0.1778% | 5,850 |
| Return on Equity (ROE) | 1.1547% | 5,878 |
| Retained earnings to average equity (ytd only) | 1.1547% | 5,107 |
| Net charge-offs to loans | -0.0741% | 5,686 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.6917% | 445 |
| Assets per employee ($millions) | 2.8079% | 5,807 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3649% | 2,911 |
| Loan loss allowance to noncurrent loans | 143.2892% | 2,903 |
| Noncurrent assets plus other real estate owned to assets | 1.1901% | 2,131 |
| Noncurrent loans to loans | 0.9526% | 2,741 |
| Net loans and leases to total assets | 54.1885% | 4,531 |
| Net loans and leases to deposits | 60.0112% | 4,851 |
| Net loans and leases to core deposits | 60.0112% | 5,073 |
| Total domestic deposits to total assets | 90.2974% | 536 |
| Equity capital to assets | 9.4692% | 4,683 |
| Core capital (leverage) ratio | 8.8450% | 5,164 |
| Tier 1 risk-based capital ratio | 16.9607% | 2,418 |
| Total risk-based capital ratio | 18.3078% | 2,326 |
| Memoranda: | ||
| Average total assets | $101,223,000 | 4,529 |
| Average earning assets | $93,032,330 | 4,531 |
| Average equity | $9,526,000 | 4,838 |
| Average total loans | $56,712,330 | 4,550 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5395% | 4,859 |
| Cost of funding earning assets | 0.0086% | 6,382 |
| Net interest margin | 3.5309% | 3,298 |
| Noninterest income to average assets | 0.8372% | 1,582 |
| Noninterest expense to average assets | 3.9411% | 733 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.0869% | 5,901 |
| Return on assets (ROA) | 0.0869% | 5,954 |
| Pretax return on assets | 0.1422% | 5,907 |
| Return on Equity (ROE) | 0.9260% | 5,923 |
| Retained earnings to average equity (ytd only) | 0.9260% | 5,093 |
| Net charge-offs to loans | -0.0419% | 5,434 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.5184% | 485 |
| Assets per employee ($millions) | 2.8363% | 5,843 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3023% | 3,388 |
| Loan loss allowance to noncurrent loans | 135.3370% | 2,998 |
| Noncurrent assets plus other real estate owned to assets | 1.1978% | 2,241 |
| Noncurrent loans to loans | 0.9623% | 2,849 |
| Net loans and leases to total assets | 55.1476% | 4,301 |
| Net loans and leases to deposits | 61.0277% | 4,661 |
| Net loans and leases to core deposits | 61.0277% | 4,918 |
| Total domestic deposits to total assets | 90.3649% | 579 |
| Equity capital to assets | 9.3775% | 4,885 |
| Core capital (leverage) ratio | 8.7861% | 5,223 |
| Tier 1 risk-based capital ratio | 16.4583% | 2,702 |
| Total risk-based capital ratio | 17.7067% | 2,641 |
| Memoranda: | ||
| Average total assets | $101,291,500 | 4,572 |
| Average earning assets | $93,121,500 | 4,570 |
| Average equity | $9,503,000 | 4,879 |
| Average total loans | $57,301,000 | 4,571 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6055% | 5,065 |
| Cost of funding earning assets | 0.0065% | 6,480 |
| Net interest margin | 3.5990% | 3,416 |
| Noninterest income to average assets | 1.0051% | 1,202 |
| Noninterest expense to average assets | 4.1714% | 620 |
| Loan and lease loss provision to assets | 0.2106% | 1,186 |
| Net operating income to assets | -0.0769% | 6,138 |
| Return on assets (ROA) | 0.0529% | 6,041 |
| Pretax return on assets | 0.0872% | 6,002 |
| Return on Equity (ROE) | 0.6081% | 6,021 |
| Retained earnings to average equity (ytd only) | 0.6081% | 5,500 |
| Net charge-offs to loans | 0.2635% | 1,641 |
| Credit loss provision to net charge-offs | 154.6763% | 1,570 |
| Earnings coverage of net charge-offs (x) | 0.6978% | 4,583 |
| Efficiency ratio | 97.7727% | 435 |
| Assets per employee ($millions) | 2.7910% | 5,938 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2806% | 3,541 |
| Loan loss allowance to noncurrent loans | 130.9059% | 3,106 |
| Noncurrent assets plus other real estate owned to assets | 1.2311% | 2,306 |
| Noncurrent loans to loans | 0.9783% | 2,884 |
| Net loans and leases to total assets | 56.5433% | 4,256 |
| Net loans and leases to deposits | 62.5894% | 4,673 |
| Net loans and leases to core deposits | 62.5894% | 4,955 |
| Total domestic deposits to total assets | 90.3401% | 596 |
| Equity capital to assets | 9.3862% | 4,861 |
| Core capital (leverage) ratio | 8.7572% | 5,283 |
| Tier 1 risk-based capital ratio | 17.2329% | 2,410 |
| Total risk-based capital ratio | 18.4878% | 2,363 |
| Memoranda: | ||
| Average total assets | $102,077,000 | 4,543 |
| Average earning assets | $92,497,800 | 4,595 |
| Average equity | $8,880,800 | 5,002 |
| Average total loans | $52,760,800 | 4,737 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5504% | 5,271 |
| Cost of funding earning assets | 0.0072% | 6,560 |
| Net interest margin | 3.5432% | 3,657 |
| Noninterest income to average assets | 0.9199% | 1,453 |
| Noninterest expense to average assets | 4.1361% | 653 |
| Loan and lease loss provision to assets | 0.2797% | 734 |
| Net operating income to assets | -0.1832% | 6,259 |
| Return on assets (ROA) | -0.1158% | 6,235 |
| Pretax return on assets | -0.1873% | 6,251 |
| Return on Equity (ROE) | -1.3572% | 6,252 |
| Retained earnings to average equity (ytd only) | -1.3572% | 6,015 |
| Net charge-offs to loans | 0.3646% | 1,098 |
| Credit loss provision to net charge-offs | 152.4823% | 1,562 |
| Earnings coverage of net charge-offs (x) | -0.0709% | 4,461 |
| Efficiency ratio | 100.3156% | 357 |
| Assets per employee ($millions) | 2.9287% | 5,811 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3130% | 3,582 |
| Loan loss allowance to noncurrent loans | 63.6364% | 4,665 |
| Noncurrent assets plus other real estate owned to assets | 2.3600% | 1,153 |
| Noncurrent loans to loans | 2.0633% | 1,520 |
| Net loans and leases to total assets | 55.4782% | 4,399 |
| Net loans and leases to deposits | 61.2219% | 4,823 |
| Net loans and leases to core deposits | 61.2219% | 5,096 |
| Total domestic deposits to total assets | 90.6182% | 485 |
| Equity capital to assets | 9.1458% | 5,216 |
| Core capital (leverage) ratio | 8.7275% | 5,409 |
| Tier 1 risk-based capital ratio | 17.1926% | 2,531 |
| Total risk-based capital ratio | 18.4483% | 2,489 |
| Memoranda: | ||
| Average total assets | $102,477,000 | 4,586 |
| Average earning assets | $92,643,500 | 4,635 |
| Average equity | $8,743,250 | 5,078 |
| Average total loans | $51,563,500 | 4,810 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4515% | 5,517 |
| Cost of funding earning assets | 0.0064% | 6,626 |
| Net interest margin | 3.4451% | 4,001 |
| Noninterest income to average assets | 0.7927% | 1,862 |
| Noninterest expense to average assets | 4.1394% | 640 |
| Loan and lease loss provision to assets | 0.4157% | 403 |
| Net operating income to assets | -0.4038% | 6,411 |
| Return on assets (ROA) | -0.3963% | 6,413 |
| Pretax return on assets | -0.6458% | 6,458 |
| Return on Equity (ROE) | -4.7553% | 6,427 |
| Retained earnings to average equity (ytd only) | -4.7553% | 6,222 |
| Net charge-offs to loans | 0.6189% | 639 |
| Credit loss provision to net charge-offs | 138.7097% | 1,532 |
| Earnings coverage of net charge-offs (x) | -0.8065% | 4,195 |
| Efficiency ratio | 106.2004% | 292 |
| Assets per employee ($millions) | 2.8065% | 6,018 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3596% | 3,544 |
| Loan loss allowance to noncurrent loans | 60.5882% | 4,790 |
| Noncurrent assets plus other real estate owned to assets | 3.1355% | 804 |
| Noncurrent loans to loans | 2.2440% | 1,455 |
| Net loans and leases to total assets | 54.8186% | 4,430 |
| Net loans and leases to deposits | 60.5477% | 4,820 |
| Net loans and leases to core deposits | 60.5477% | 5,102 |
| Total domestic deposits to total assets | 90.5378% | 573 |
| Equity capital to assets | 9.2107% | 5,095 |
| Core capital (leverage) ratio | 8.4537% | 5,680 |
| Tier 1 risk-based capital ratio | 17.3747% | 2,470 |
| Total risk-based capital ratio | 18.6290% | 2,428 |
| Memoranda: | ||
| Average total assets | $103,444,000 | 4,595 |
| Average earning assets | $93,234,670 | 4,652 |
| Average equity | $8,622,000 | 5,127 |
| Average total loans | $50,092,000 | 4,892 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1699% | 6,045 |
| Cost of funding earning assets | 0.0083% | 6,693 |
| Net interest margin | 3.1616% | 5,050 |
| Noninterest income to average assets | 0.8338% | 1,625 |
| Noninterest expense to average assets | 3.9161% | 842 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -0.1415% | 6,313 |
| Return on assets (ROA) | -0.1415% | 6,321 |
| Pretax return on assets | -0.2308% | 6,361 |
| Return on Equity (ROE) | -1.7802% | 6,347 |
| Retained earnings to average equity (ytd only) | -1.7802% | 5,835 |
| Net charge-offs to loans | -0.0658% | 5,936 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.2626% | 329 |
| Assets per employee ($millions) | 3.0407% | 5,792 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3440% | 3,881 |
| Loan loss allowance to noncurrent loans | 26.9867% | 5,934 |
| Noncurrent assets plus other real estate owned to assets | 4.2218% | 537 |
| Noncurrent loans to loans | 4.9802% | 450 |
| Net loans and leases to total assets | 46.1433% | 5,321 |
| Net loans and leases to deposits | 50.4308% | 5,564 |
| Net loans and leases to core deposits | 50.4308% | 5,729 |
| Total domestic deposits to total assets | 91.4982% | 376 |
| Equity capital to assets | 8.1597% | 5,939 |
| Core capital (leverage) ratio | 8.3950% | 5,750 |
| Tier 1 risk-based capital ratio | 18.1676% | 2,224 |
| Total risk-based capital ratio | 19.4237% | 2,193 |
| Memoranda: | ||
| Average total assets | $107,455,000 | 4,547 |
| Average earning assets | $96,911,500 | 4,599 |
| Average equity | $8,538,500 | 5,169 |
| Average total loans | $48,623,000 | 4,983 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1131% | 6,228 |
| Cost of funding earning assets | 0.0076% | 6,782 |
| Net interest margin | 3.1054% | 5,290 |
| Noninterest income to average assets | 0.8668% | 1,796 |
| Noninterest expense to average assets | 4.0558% | 819 |
| Loan and lease loss provision to assets | -0.1443% | 6,536 |
| Net operating income to assets | -0.2056% | 6,370 |
| Return on assets (ROA) | 0.2463% | 5,768 |
| Pretax return on assets | 0.4012% | 5,494 |
| Return on Equity (ROE) | 2.8815% | 5,552 |
| Retained earnings to average equity (ytd only) | 2.8815% | 4,196 |
| Net charge-offs to loans | -0.0993% | 6,475 |
| Credit loss provision to net charge-offs | 348.8372% | 652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 112.4567% | 240 |
| Assets per employee ($millions) | 3.0135% | 5,813 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3925% | 3,693 |
| Loan loss allowance to noncurrent loans | 27.7731% | 6,009 |
| Noncurrent assets plus other real estate owned to assets | 4.0503% | 650 |
| Noncurrent loans to loans | 5.0138% | 499 |
| Net loans and leases to total assets | 43.1470% | 5,748 |
| Net loans and leases to deposits | 46.9164% | 5,955 |
| Net loans and leases to core deposits | 46.9164% | 6,098 |
| Total domestic deposits to total assets | 91.9657% | 291 |
| Equity capital to assets | 7.7366% | 6,169 |
| Core capital (leverage) ratio | 8.2586% | 5,918 |
| Tier 1 risk-based capital ratio | 19.0035% | 1,920 |
| Total risk-based capital ratio | 20.2616% | 1,880 |
| Memoranda: | ||
| Average total assets | $103,950,400 | 4,650 |
| Average earning assets | $91,710,200 | 4,726 |
| Average equity | $8,884,200 | 5,120 |
| Average total loans | $43,299,600 | 5,224 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1189% | 6,296 |
| Cost of funding earning assets | 0.0059% | 6,864 |
| Net interest margin | 3.1130% | 5,285 |
| Noninterest income to average assets | 0.8922% | 1,784 |
| Noninterest expense to average assets | 4.0576% | 800 |
| Loan and lease loss provision to assets | -0.1945% | 6,717 |
| Net operating income to assets | -0.1709% | 6,449 |
| Return on assets (ROA) | 0.4383% | 5,225 |
| Pretax return on assets | 0.7158% | 4,634 |
| Return on Equity (ROE) | 5.0034% | 4,722 |
| Retained earnings to average equity (ytd only) | 5.0034% | 3,084 |
| Net charge-offs to loans | -0.1010% | 6,500 |
| Credit loss provision to net charge-offs | 468.7500% | 570 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 111.8699% | 241 |
| Assets per employee ($millions) | 2.9038% | 6,006 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3865% | 3,952 |
| Loan loss allowance to noncurrent loans | 47.1356% | 5,347 |
| Noncurrent assets plus other real estate owned to assets | 3.2457% | 1,093 |
| Noncurrent loans to loans | 2.9415% | 1,387 |
| Net loans and leases to total assets | 44.2241% | 5,708 |
| Net loans and leases to deposits | 48.4196% | 5,932 |
| Net loans and leases to core deposits | 48.4196% | 6,100 |
| Total domestic deposits to total assets | 91.3352% | 406 |
| Equity capital to assets | 8.3281% | 5,896 |
| Core capital (leverage) ratio | 8.9089% | 5,252 |
| Tier 1 risk-based capital ratio | 20.1700% | 1,695 |
| Total risk-based capital ratio | 21.4132% | 1,670 |
| Memoranda: | ||
| Average total assets | $102,816,750 | 4,718 |
| Average earning assets | $90,329,500 | 4,798 |
| Average equity | $9,007,000 | 5,137 |
| Average total loans | $42,257,250 | 5,303 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0076% | 6,442 |
| Cost of funding earning assets | 0.0090% | 6,911 |
| Net interest margin | 2.9985% | 5,570 |
| Noninterest income to average assets | 0.8353% | 2,044 |
| Noninterest expense to average assets | 4.0590% | 813 |
| Loan and lease loss provision to assets | -0.2934% | 6,828 |
| Net operating income to assets | -0.2362% | 6,511 |
| Return on assets (ROA) | 0.6827% | 4,057 |
| Pretax return on assets | 1.1111% | 3,053 |
| Return on Equity (ROE) | 7.6642% | 3,252 |
| Retained earnings to average equity (ytd only) | 7.6642% | 1,605 |
| Net charge-offs to loans | 0.0196% | 4,452 |
| Credit loss provision to net charge-offs | -3,750.0000% | 6,202 |
| Earnings coverage of net charge-offs (x) | -79.0000% | 4,901 |
| Efficiency ratio | 117.9648% | 199 |
| Assets per employee ($millions) | 2.8575% | 6,084 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3901% | 4,086 |
| Loan loss allowance to noncurrent loans | 29.9512% | 6,020 |
| Noncurrent assets plus other real estate owned to assets | 3.5426% | 1,074 |
| Noncurrent loans to loans | 4.6413% | 742 |
| Net loans and leases to total assets | 43.5502% | 5,783 |
| Net loans and leases to deposits | 47.8816% | 5,985 |
| Net loans and leases to core deposits | 47.8816% | 6,135 |
| Total domestic deposits to total assets | 90.9540% | 562 |
| Equity capital to assets | 8.8210% | 5,420 |
| Core capital (leverage) ratio | 9.1600% | 4,745 |
| Tier 1 risk-based capital ratio | 21.0279% | 1,487 |
| Total risk-based capital ratio | 22.2807% | 1,462 |
| Memoranda: | ||
| Average total assets | $102,243,000 | 4,765 |
| Average earning assets | $88,843,000 | 4,876 |
| Average equity | $9,107,330 | 5,148 |
| Average total loans | $40,716,000 | 5,393 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8695% | 6,635 |
| Cost of funding earning assets | 0.0091% | 6,987 |
| Net interest margin | 2.8604% | 5,889 |
| Noninterest income to average assets | 0.8321% | 1,993 |
| Noninterest expense to average assets | 4.0480% | 837 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -0.4788% | 6,662 |
| Return on assets (ROA) | -0.4218% | 6,672 |
| Pretax return on assets | -0.6850% | 6,725 |
| Return on Equity (ROE) | -4.7135% | 6,682 |
| Retained earnings to average equity (ytd only) | -4.7135% | 6,342 |
| Net charge-offs to loans | -0.0923% | 6,412 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 123.6407% | 188 |
| Assets per employee ($millions) | 3.0397% | 5,910 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9492% | 2,176 |
| Loan loss allowance to noncurrent loans | 46.9203% | 5,298 |
| Noncurrent assets plus other real estate owned to assets | 3.6547% | 1,141 |
| Noncurrent loans to loans | 4.1543% | 1,064 |
| Net loans and leases to total assets | 38.9642% | 6,085 |
| Net loans and leases to deposits | 43.0110% | 6,272 |
| Net loans and leases to core deposits | 43.0110% | 6,362 |
| Total domestic deposits to total assets | 90.5912% | 721 |
| Equity capital to assets | 9.1277% | 5,337 |
| Core capital (leverage) ratio | 8.2654% | 5,860 |
| Tier 1 risk-based capital ratio | 19.9371% | 1,788 |
| Total risk-based capital ratio | 21.1997% | 1,756 |
| Memoranda: | ||
| Average total assets | $103,359,000 | 4,782 |
| Average earning assets | $88,239,500 | 4,927 |
| Average equity | $9,250,000 | 5,172 |
| Average total loans | $38,989,500 | 5,507 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7276% | 6,872 |
| Cost of funding earning assets | 0.0260% | 7,049 |
| Net interest margin | 2.7015% | 6,514 |
| Noninterest income to average assets | 0.6939% | 2,753 |
| Noninterest expense to average assets | 4.4194% | 617 |
| Loan and lease loss provision to assets | -0.5063% | 7,042 |
| Net operating income to assets | -0.5306% | 6,587 |
| Return on assets (ROA) | -0.3445% | 6,525 |
| Pretax return on assets | -0.5599% | 6,604 |
| Return on Equity (ROE) | -3.6423% | 6,529 |
| Retained earnings to average equity (ytd only) | -3.6423% | 6,324 |
| Net charge-offs to loans | -0.0281% | 6,606 |
| Credit loss provision to net charge-offs | 5,100.0000% | 50 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 144.3112% | 103 |
| Assets per employee ($millions) | 3.3253% | 5,370 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0148% | 1,982 |
| Loan loss allowance to noncurrent loans | 59.7201% | 4,662 |
| Noncurrent assets plus other real estate owned to assets | 3.1765% | 1,466 |
| Noncurrent loans to loans | 3.3738% | 1,496 |
| Net loans and leases to total assets | 35.0998% | 6,488 |
| Net loans and leases to deposits | 38.5849% | 6,617 |
| Net loans and leases to core deposits | 38.5849% | 6,654 |
| Total domestic deposits to total assets | 90.9678% | 507 |
| Equity capital to assets | 8.7813% | 5,760 |
| Core capital (leverage) ratio | 8.8033% | 5,174 |
| Tier 1 risk-based capital ratio | 21.0142% | 1,459 |
| Total risk-based capital ratio | 22.2778% | 1,426 |
| Memoranda: | ||
| Average total assets | $100,738,200 | 4,817 |
| Average earning assets | $88,320,600 | 4,912 |
| Average equity | $9,527,000 | 5,100 |
| Average total loans | $35,642,800 | 5,693 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6163% | 7,025 |
| Cost of funding earning assets | 0.0315% | 7,154 |
| Net interest margin | 2.5848% | 6,769 |
| Noninterest income to average assets | 0.8591% | 1,982 |
| Noninterest expense to average assets | 4.7468% | 447 |
| Loan and lease loss provision to assets | -0.6846% | 7,158 |
| Net operating income to assets | -0.5553% | 6,725 |
| Return on assets (ROA) | -0.3517% | 6,667 |
| Pretax return on assets | -0.5746% | 6,734 |
| Return on Equity (ROE) | -3.6491% | 6,659 |
| Retained earnings to average equity (ytd only) | -3.6491% | 6,528 |
| Net charge-offs to loans | 0.0076% | 5,623 |
| Credit loss provision to net charge-offs | -25,500.0000% | 6,720 |
| Earnings coverage of net charge-offs (x) | -586.7528% | 5,769 |
| Efficiency ratio | 149.7670% | 90 |
| Assets per employee ($millions) | 2.8212% | 6,335 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0839% | 1,947 |
| Loan loss allowance to noncurrent loans | 36.5571% | 5,826 |
| Noncurrent assets plus other real estate owned to assets | 4.2484% | 1,112 |
| Noncurrent loans to loans | 5.7004% | 746 |
| Net loans and leases to total assets | 35.9742% | 6,550 |
| Net loans and leases to deposits | 39.8864% | 6,678 |
| Net loans and leases to core deposits | 39.8864% | 6,743 |
| Total domestic deposits to total assets | 90.1917% | 737 |
| Equity capital to assets | 9.5622% | 5,122 |
| Core capital (leverage) ratio | 9.0175% | 5,039 |
| Tier 1 risk-based capital ratio | 22.8641% | 1,189 |
| Total risk-based capital ratio | 24.1262% | 1,165 |
| Memoranda: | ||
| Average total assets | $99,320,750 | 4,895 |
| Average earning assets | $88,773,500 | 4,948 |
| Average equity | $9,572,750 | 5,135 |
| Average total loans | $35,024,250 | 5,797 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6082% | 7,100 |
| Cost of funding earning assets | 0.0361% | 7,217 |
| Net interest margin | 2.5721% | 6,842 |
| Noninterest income to average assets | 0.8039% | 2,161 |
| Noninterest expense to average assets | 5.0325% | 368 |
| Loan and lease loss provision to assets | -1.0250% | 7,227 |
| Net operating income to assets | -0.5742% | 6,767 |
| Return on assets (ROA) | -0.2693% | 6,659 |
| Pretax return on assets | -0.4341% | 6,721 |
| Return on Equity (ROE) | -2.7869% | 6,663 |
| Retained earnings to average equity (ytd only) | -2.7869% | 6,444 |
| Net charge-offs to loans | 0.0925% | 4,229 |
| Credit loss provision to net charge-offs | -3,187.5000% | 6,538 |
| Earnings coverage of net charge-offs (x) | -60.1875% | 5,496 |
| Efficiency ratio | 162.4919% | 79 |
| Assets per employee ($millions) | 2.9880% | 6,087 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1326% | 1,922 |
| Loan loss allowance to noncurrent loans | 35.6559% | 5,888 |
| Noncurrent assets plus other real estate owned to assets | 4.8497% | 1,000 |
| Noncurrent loans to loans | 5.9809% | 735 |
| Net loans and leases to total assets | 34.5337% | 6,697 |
| Net loans and leases to deposits | 38.3343% | 6,791 |
| Net loans and leases to core deposits | 38.3343% | 6,862 |
| Total domestic deposits to total assets | 90.0857% | 880 |
| Equity capital to assets | 9.6841% | 4,777 |
| Core capital (leverage) ratio | 9.1334% | 4,715 |
| Tier 1 risk-based capital ratio | 22.8614% | 1,151 |
| Total risk-based capital ratio | 24.1013% | 1,135 |
| Memoranda: | ||
| Average total assets | $99,513,330 | 4,912 |
| Average earning assets | $88,721,330 | 4,973 |
| Average equity | $9,616,330 | 5,133 |
| Average total loans | $34,606,330 | 5,847 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5707% | 7,163 |
| Cost of funding earning assets | 0.0361% | 7,278 |
| Net interest margin | 2.5346% | 6,927 |
| Noninterest income to average assets | 0.7322% | 2,487 |
| Noninterest expense to average assets | 5.2457% | 313 |
| Loan and lease loss provision to assets | -2.0407% | 7,299 |
| Net operating income to assets | -0.1440% | 6,575 |
| Return on assets (ROA) | -0.1440% | 6,642 |
| Pretax return on assets | -0.2241% | 6,682 |
| Return on Equity (ROE) | -1.4922% | 6,652 |
| Retained earnings to average equity (ytd only) | -1.4922% | 6,215 |
| Net charge-offs to loans | 0.3361% | 2,312 |
| Credit loss provision to net charge-offs | -1,758.6207% | 6,034 |
| Earnings coverage of net charge-offs (x) | -19.5172% | 4,702 |
| Efficiency ratio | 175.9732% | 64 |
| Assets per employee ($millions) | 2.7824% | 6,521 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1048% | 2,093 |
| Loan loss allowance to noncurrent loans | 30.7855% | 6,133 |
| Noncurrent assets plus other real estate owned to assets | 5.0745% | 1,020 |
| Noncurrent loans to loans | 6.8370% | 672 |
| Net loans and leases to total assets | 33.8495% | 6,752 |
| Net loans and leases to deposits | 37.5631% | 6,841 |
| Net loans and leases to core deposits | 37.5631% | 6,895 |
| Total domestic deposits to total assets | 90.1135% | 1,024 |
| Equity capital to assets | 9.6030% | 4,648 |
| Core capital (leverage) ratio | 9.2599% | 4,425 |
| Tier 1 risk-based capital ratio | 22.5711% | 1,196 |
| Total risk-based capital ratio | 23.8087% | 1,177 |
| Memoranda: | ||
| Average total assets | $99,967,500 | 4,937 |
| Average earning assets | $88,691,000 | 5,000 |
| Average equity | $9,650,000 | 5,132 |
| Average total loans | $34,512,500 | 5,896 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2027% | 7,120 |
| Cost of funding earning assets | 0.0544% | 7,326 |
| Net interest margin | 3.1483% | 6,222 |
| Noninterest income to average assets | 0.6075% | 3,123 |
| Noninterest expense to average assets | 4.8023% | 455 |
| Loan and lease loss provision to assets | -0.4587% | 7,332 |
| Net operating income to assets | -0.5211% | 6,505 |
| Return on assets (ROA) | 0.0438% | 6,082 |
| Pretax return on assets | -0.0805% | 6,199 |
| Return on Equity (ROE) | 0.4517% | 6,072 |
| Retained earnings to average equity (ytd only) | 0.4517% | 5,621 |
| Net charge-offs to loans | 1.2229% | 1,369 |
| Credit loss provision to net charge-offs | -95.9488% | 6,698 |
| Earnings coverage of net charge-offs (x) | -2.9744% | 6,323 |
| Efficiency ratio | 142.0688% | 166 |
| Assets per employee ($millions) | 3.0233% | 6,034 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6871% | 472 |
| Loan loss allowance to noncurrent loans | 51.6497% | 4,933 |
| Noncurrent assets plus other real estate owned to assets | 5.6661% | 892 |
| Noncurrent loans to loans | 7.1387% | 614 |
| Net loans and leases to total assets | 33.1990% | 6,898 |
| Net loans and leases to deposits | 36.8628% | 6,979 |
| Net loans and leases to core deposits | 36.8628% | 7,020 |
| Total domestic deposits to total assets | 90.0609% | 965 |
| Equity capital to assets | 9.7035% | 4,587 |
| Core capital (leverage) ratio | 9.0517% | 4,691 |
| Tier 1 risk-based capital ratio | 22.5850% | 1,150 |
| Total risk-based capital ratio | 23.8690% | 1,122 |
| Memoranda: | ||
| Average total assets | $98,099,200 | 4,946 |
| Average earning assets | $86,396,600 | 5,050 |
| Average equity | $9,519,200 | 5,146 |
| Average total loans | $38,352,000 | 5,761 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3657% | 7,157 |
| Cost of funding earning assets | 0.0591% | 7,400 |
| Net interest margin | 3.3066% | 5,840 |
| Noninterest income to average assets | 0.8736% | 1,744 |
| Noninterest expense to average assets | 5.0598% | 357 |
| Loan and lease loss provision to assets | -0.6142% | 7,416 |
| Net operating income to assets | -0.3202% | 6,519 |
| Return on assets (ROA) | -0.1324% | 6,398 |
| Pretax return on assets | -0.3767% | 6,548 |
| Return on Equity (ROE) | -1.3644% | 6,420 |
| Retained earnings to average equity (ytd only) | -1.3644% | 6,213 |
| Net charge-offs to loans | 1.3556% | 1,115 |
| Credit loss provision to net charge-offs | -112.5000% | 6,529 |
| Earnings coverage of net charge-offs (x) | -2.3525% | 6,040 |
| Efficiency ratio | 134.0202% | 204 |
| Assets per employee ($millions) | 2.9995% | 6,116 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7656% | 472 |
| Loan loss allowance to noncurrent loans | 51.4033% | 4,922 |
| Noncurrent assets plus other real estate owned to assets | 5.8767% | 922 |
| Noncurrent loans to loans | 7.3255% | 654 |
| Net loans and leases to total assets | 34.5197% | 6,926 |
| Net loans and leases to deposits | 38.4643% | 7,023 |
| Net loans and leases to core deposits | 38.4643% | 7,077 |
| Total domestic deposits to total assets | 89.7448% | 1,013 |
| Equity capital to assets | 10.0744% | 4,244 |
| Core capital (leverage) ratio | 9.3017% | 4,454 |
| Tier 1 risk-based capital ratio | 21.9506% | 1,296 |
| Total risk-based capital ratio | 23.2293% | 1,267 |
| Memoranda: | ||
| Average total assets | $97,682,000 | 4,989 |
| Average earning assets | $85,724,500 | 5,100 |
| Average equity | $9,478,750 | 5,184 |
| Average total loans | $39,342,500 | 5,773 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5226% | 7,149 |
| Cost of funding earning assets | 0.0609% | 7,471 |
| Net interest margin | 3.4616% | 5,316 |
| Noninterest income to average assets | 0.8165% | 1,942 |
| Noninterest expense to average assets | 5.2628% | 302 |
| Loan and lease loss provision to assets | -0.5141% | 7,480 |
| Net operating income to assets | -0.4051% | 6,613 |
| Return on assets (ROA) | -0.2550% | 6,553 |
| Pretax return on assets | -0.6602% | 6,743 |
| Return on Equity (ROE) | -2.6626% | 6,564 |
| Retained earnings to average equity (ytd only) | -2.6626% | 6,330 |
| Net charge-offs to loans | 1.8365% | 747 |
| Credit loss provision to net charge-offs | -67.0241% | 6,274 |
| Earnings coverage of net charge-offs (x) | -1.8365% | 5,707 |
| Efficiency ratio | 136.5528% | 217 |
| Assets per employee ($millions) | 2.7638% | 6,529 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2138% | 355 |
| Loan loss allowance to noncurrent loans | 54.8772% | 4,736 |
| Noncurrent assets plus other real estate owned to assets | 6.2968% | 864 |
| Noncurrent loans to loans | 7.6786% | 614 |
| Net loans and leases to total assets | 36.7531% | 6,922 |
| Net loans and leases to deposits | 40.9463% | 7,032 |
| Net loans and leases to core deposits | 40.9463% | 7,107 |
| Total domestic deposits to total assets | 89.7593% | 1,092 |
| Equity capital to assets | 10.0587% | 4,067 |
| Core capital (leverage) ratio | 9.2698% | 4,293 |
| Tier 1 risk-based capital ratio | 20.8899% | 1,445 |
| Total risk-based capital ratio | 22.1889% | 1,411 |
| Memoranda: | ||
| Average total assets | $97,248,000 | 5,040 |
| Average earning assets | $85,335,330 | 5,144 |
| Average equity | $9,314,330 | 5,231 |
| Average total loans | $40,621,330 | 5,773 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5903% | 7,147 |
| Cost of funding earning assets | 0.0656% | 7,535 |
| Net interest margin | 3.5247% | 4,900 |
| Noninterest income to average assets | 0.9025% | 1,654 |
| Noninterest expense to average assets | 5.6858% | 230 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -0.7302% | 6,927 |
| Return on assets (ROA) | -0.7302% | 6,934 |
| Pretax return on assets | -1.6984% | 7,212 |
| Return on Equity (ROE) | -7.8186% | 6,954 |
| Retained earnings to average equity (ytd only) | -7.8186% | 6,741 |
| Net charge-offs to loans | 3.3039% | 310 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | -1.1829% | 4,914 |
| Efficiency ratio | 142.5926% | 202 |
| Assets per employee ($millions) | 2.7664% | 6,593 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4659% | 293 |
| Loan loss allowance to noncurrent loans | 48.9606% | 5,062 |
| Noncurrent assets plus other real estate owned to assets | 6.9436% | 773 |
| Noncurrent loans to loans | 9.1214% | 483 |
| Net loans and leases to total assets | 40.5864% | 6,736 |
| Net loans and leases to deposits | 44.9021% | 6,918 |
| Net loans and leases to core deposits | 44.9021% | 7,011 |
| Total domestic deposits to total assets | 90.3886% | 908 |
| Equity capital to assets | 9.3439% | 4,660 |
| Core capital (leverage) ratio | 9.2009% | 4,287 |
| Tier 1 risk-based capital ratio | 18.9869% | 1,809 |
| Total risk-based capital ratio | 20.2608% | 1,763 |
| Memoranda: | ||
| Average total assets | $97,506,000 | 5,067 |
| Average earning assets | $85,340,500 | 5,177 |
| Average equity | $9,106,500 | 5,285 |
| Average total loans | $42,374,000 | 5,735 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9946% | 7,141 |
| Cost of funding earning assets | 0.1448% | 7,569 |
| Net interest margin | 3.8497% | 3,733 |
| Noninterest income to average assets | 0.8414% | 2,094 |
| Noninterest expense to average assets | 4.8381% | 480 |
| Loan and lease loss provision to assets | 0.4764% | 3,278 |
| Net operating income to assets | -0.6766% | 6,496 |
| Return on assets (ROA) | -0.1401% | 6,094 |
| Pretax return on assets | -0.4360% | 6,276 |
| Return on Equity (ROE) | -1.5192% | 6,119 |
| Retained earnings to average equity (ytd only) | -1.5192% | 5,889 |
| Net charge-offs to loans | 1.9566% | 1,039 |
| Credit loss provision to net charge-offs | 48.7386% | 6,279 |
| Earnings coverage of net charge-offs (x) | -0.8163% | 6,555 |
| Efficiency ratio | 119.7510% | 408 |
| Assets per employee ($millions) | 2.8879% | 6,355 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0144% | 189 |
| Loan loss allowance to noncurrent loans | 54.3624% | 4,755 |
| Noncurrent assets plus other real estate owned to assets | 6.9193% | 795 |
| Noncurrent loans to loans | 9.2241% | 490 |
| Net loans and leases to total assets | 42.1911% | 6,839 |
| Net loans and leases to deposits | 46.8340% | 7,006 |
| Net loans and leases to core deposits | 46.8340% | 7,114 |
| Total domestic deposits to total assets | 90.0865% | 1,043 |
| Equity capital to assets | 9.3351% | 4,640 |
| Core capital (leverage) ratio | 9.0574% | 4,442 |
| Tier 1 risk-based capital ratio | 16.9024% | 2,378 |
| Total risk-based capital ratio | 18.1907% | 2,336 |
| Memoranda: | ||
| Average total assets | $101,383,400 | 4,943 |
| Average earning assets | $84,239,600 | 5,206 |
| Average equity | $9,347,000 | 5,316 |
| Average total loans | $50,649,800 | 5,461 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1624% | 7,139 |
| Cost of funding earning assets | 0.1668% | 7,684 |
| Net interest margin | 3.9956% | 3,124 |
| Noninterest income to average assets | 0.7542% | 2,484 |
| Noninterest expense to average assets | 4.7391% | 475 |
| Loan and lease loss provision to assets | 1.1509% | 1,260 |
| Net operating income to assets | -1.1274% | 6,957 |
| Return on assets (ROA) | -0.4175% | 6,578 |
| Pretax return on assets | -0.7451% | 6,704 |
| Return on Equity (ROE) | -4.5427% | 6,614 |
| Retained earnings to average equity (ytd only) | -4.5427% | 6,518 |
| Net charge-offs to loans | 2.4347% | 701 |
| Credit loss provision to net charge-offs | 92.1630% | 4,683 |
| Earnings coverage of net charge-offs (x) | -0.5632% | 6,350 |
| Efficiency ratio | 117.4264% | 420 |
| Assets per employee ($millions) | 2.6161% | 6,913 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3812% | 140 |
| Loan loss allowance to noncurrent loans | 52.2016% | 4,806 |
| Noncurrent assets plus other real estate owned to assets | 6.5134% | 873 |
| Noncurrent loans to loans | 10.3085% | 394 |
| Net loans and leases to total assets | 46.3414% | 6,666 |
| Net loans and leases to deposits | 51.5014% | 6,912 |
| Net loans and leases to core deposits | 51.5014% | 7,066 |
| Total domestic deposits to total assets | 89.9809% | 892 |
| Equity capital to assets | 9.4357% | 4,935 |
| Core capital (leverage) ratio | 9.2720% | 4,248 |
| Tier 1 risk-based capital ratio | 17.0649% | 2,319 |
| Total risk-based capital ratio | 18.2908% | 2,289 |
| Memoranda: | ||
| Average total assets | $102,182,000 | 4,980 |
| Average earning assets | $83,923,000 | 5,279 |
| Average equity | $9,392,250 | 5,381 |
| Average total loans | $52,408,750 | 5,467 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5258% | 6,651 |
| Cost of funding earning assets | 0.2025% | 7,747 |
| Net interest margin | 4.3233% | 1,694 |
| Noninterest income to average assets | 0.8418% | 1,916 |
| Noninterest expense to average assets | 4.4602% | 602 |
| Loan and lease loss provision to assets | 0.5704% | 2,495 |
| Net operating income to assets | -0.3918% | 6,558 |
| Return on assets (ROA) | -0.1055% | 6,313 |
| Pretax return on assets | -0.2538% | 6,377 |
| Return on Equity (ROE) | -1.1490% | 6,339 |
| Retained earnings to average equity (ytd only) | -1.1490% | 6,006 |
| Net charge-offs to loans | 1.9424% | 942 |
| Credit loss provision to net charge-offs | 51.9451% | 5,375 |
| Earnings coverage of net charge-offs (x) | -0.1190% | 5,817 |
| Efficiency ratio | 103.0180% | 709 |
| Assets per employee ($millions) | 2.7508% | 6,690 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2599% | 148 |
| Loan loss allowance to noncurrent loans | 57.1501% | 4,503 |
| Noncurrent assets plus other real estate owned to assets | 7.1939% | 723 |
| Noncurrent loans to loans | 9.2036% | 511 |
| Net loans and leases to total assets | 54.9542% | 5,849 |
| Net loans and leases to deposits | 61.6662% | 6,262 |
| Net loans and leases to core deposits | 61.6662% | 6,574 |
| Total domestic deposits to total assets | 89.1155% | 1,370 |
| Equity capital to assets | 10.0618% | 3,933 |
| Core capital (leverage) ratio | 9.7744% | 3,441 |
| Tier 1 risk-based capital ratio | 16.0733% | 2,636 |
| Total risk-based capital ratio | 17.3732% | 2,582 |
| Memoranda: | ||
| Average total assets | $79,593,000 | 5,712 |
| Average earning assets | $64,210,330 | 5,955 |
| Average equity | $7,311,000 | 6,030 |
| Average total loans | $44,997,000 | 5,821 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5569% | 6,663 |
| Cost of funding earning assets | 0.2756% | 7,830 |
| Net interest margin | 4.2812% | 1,751 |
| Noninterest income to average assets | 0.7343% | 2,386 |
| Noninterest expense to average assets | 4.5372% | 559 |
| Loan and lease loss provision to assets | 0.8607% | 1,477 |
| Net operating income to assets | -0.6559% | 6,934 |
| Return on assets (ROA) | -0.3696% | 6,780 |
| Pretax return on assets | -0.6662% | 6,883 |
| Return on Equity (ROE) | -4.2047% | 6,841 |
| Retained earnings to average equity (ytd only) | -4.2047% | 6,526 |
| Net charge-offs to loans | 2.9420% | 525 |
| Credit loss provision to net charge-offs | 52.3669% | 4,446 |
| Earnings coverage of net charge-offs (x) | -0.1538% | 5,136 |
| Efficiency ratio | 105.9024% | 678 |
| Assets per employee ($millions) | 2.7672% | 6,718 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1684% | 154 |
| Loan loss allowance to noncurrent loans | 66.2754% | 4,047 |
| Noncurrent assets plus other real estate owned to assets | 6.3125% | 921 |
| Noncurrent loans to loans | 7.7984% | 711 |
| Net loans and leases to total assets | 54.8212% | 5,915 |
| Net loans and leases to deposits | 61.0700% | 6,358 |
| Net loans and leases to core deposits | 61.2982% | 6,655 |
| Total domestic deposits to total assets | 89.7678% | 1,104 |
| Equity capital to assets | 9.4526% | 4,610 |
| Core capital (leverage) ratio | 8.8878% | 4,744 |
| Tier 1 risk-based capital ratio | 15.2693% | 2,974 |
| Total risk-based capital ratio | 16.5678% | 2,910 |
| Memoranda: | ||
| Average total assets | $82,254,000 | 5,694 |
| Average earning assets | $68,205,000 | 5,899 |
| Average equity | $7,230,000 | 6,106 |
| Average total loans | $45,955,000 | 5,838 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8584% | 6,816 |
| Cost of funding earning assets | 0.8961% | 7,410 |
| Net interest margin | 3.9623% | 3,017 |
| Noninterest income to average assets | 0.6712% | 3,150 |
| Noninterest expense to average assets | 4.0390% | 1,309 |
| Loan and lease loss provision to assets | 3.9187% | 354 |
| Net operating income to assets | -2.4891% | 7,268 |
| Return on assets (ROA) | -1.7881% | 7,004 |
| Pretax return on assets | -2.8244% | 7,247 |
| Return on Equity (ROE) | -21.2992% | 7,182 |
| Retained earnings to average equity (ytd only) | -21.2992% | 7,154 |
| Net charge-offs to loans | 4.1805% | 374 |
| Credit loss provision to net charge-offs | 176.3654% | 2,381 |
| Earnings coverage of net charge-offs (x) | -0.0005% | 6,196 |
| Efficiency ratio | 100.0266% | 1,102 |
| Assets per employee ($millions) | 3.0009% | 6,223 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2548% | 146 |
| Loan loss allowance to noncurrent loans | 119.0385% | 2,371 |
| Noncurrent assets plus other real estate owned to assets | 4.3642% | 1,489 |
| Noncurrent loans to loans | 4.4144% | 1,622 |
| Net loans and leases to total assets | 51.2979% | 6,499 |
| Net loans and leases to deposits | 56.3276% | 6,899 |
| Net loans and leases to core deposits | 58.9487% | 7,301 |
| Total domestic deposits to total assets | 91.0706% | 510 |
| Equity capital to assets | 8.1998% | 6,346 |
| Core capital (leverage) ratio | 7.8291% | 6,414 |
| Tier 1 risk-based capital ratio | 14.2339% | 3,356 |
| Total risk-based capital ratio | 15.5237% | 3,282 |
| Memoranda: | ||
| Average total assets | $93,117,400 | 5,297 |
| Average earning assets | $79,121,200 | 5,485 |
| Average equity | $7,817,200 | 5,993 |
| Average total loans | $49,492,200 | 5,696 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8656% | 6,967 |
| Cost of funding earning assets | 0.9857% | 7,421 |
| Net interest margin | 3.8799% | 3,308 |
| Noninterest income to average assets | 0.8326% | 2,275 |
| Noninterest expense to average assets | 3.8658% | 1,482 |
| Loan and lease loss provision to assets | 2.6627% | 601 |
| Net operating income to assets | -1.4984% | 7,112 |
| Return on assets (ROA) | -0.5833% | 6,509 |
| Pretax return on assets | -0.9552% | 6,649 |
| Return on Equity (ROE) | -6.9107% | 6,651 |
| Retained earnings to average equity (ytd only) | -6.9107% | 6,500 |
| Net charge-offs to loans | 3.0347% | 544 |
| Credit loss provision to net charge-offs | 165.7895% | 2,840 |
| Earnings coverage of net charge-offs (x) | 0.1728% | 5,852 |
| Efficiency ratio | 93.3016% | 1,446 |
| Assets per employee ($millions) | 3.1175% | 5,865 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3846% | 467 |
| Loan loss allowance to noncurrent loans | 98.8589% | 2,806 |
| Noncurrent assets plus other real estate owned to assets | 4.0630% | 1,563 |
| Noncurrent loans to loans | 3.4237% | 2,192 |
| Net loans and leases to total assets | 50.2384% | 6,764 |
| Net loans and leases to deposits | 55.3649% | 7,128 |
| Net loans and leases to core deposits | 59.9854% | 7,401 |
| Total domestic deposits to total assets | 90.7405% | 499 |
| Equity capital to assets | 8.7281% | 5,914 |
| Core capital (leverage) ratio | 8.4878% | 5,521 |
| Tier 1 risk-based capital ratio | 15.4218% | 2,858 |
| Total risk-based capital ratio | 16.6950% | 2,791 |
| Memoranda: | ||
| Average total assets | $94,640,000 | 5,282 |
| Average earning assets | $80,755,500 | 5,470 |
| Average equity | $7,987,500 | 5,985 |
| Average total loans | $50,085,500 | 5,712 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9357% | 6,952 |
| Cost of funding earning assets | 1.0806% | 7,413 |
| Net interest margin | 3.8551% | 3,321 |
| Noninterest income to average assets | 0.8062% | 2,380 |
| Noninterest expense to average assets | 3.8248% | 1,616 |
| Loan and lease loss provision to assets | 1.9261% | 850 |
| Net operating income to assets | -1.0024% | 6,989 |
| Return on assets (ROA) | -0.2210% | 6,238 |
| Pretax return on assets | -0.3894% | 6,310 |
| Return on Equity (ROE) | -2.6485% | 6,320 |
| Retained earnings to average equity (ytd only) | -2.6485% | 5,900 |
| Net charge-offs to loans | 3.2628% | 489 |
| Credit loss provision to net charge-offs | 110.9091% | 4,173 |
| Earnings coverage of net charge-offs (x) | 0.1818% | 5,488 |
| Efficiency ratio | 92.3742% | 1,611 |
| Assets per employee ($millions) | 2.9833% | 6,178 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9698% | 1,636 |
| Loan loss allowance to noncurrent loans | 39.1270% | 5,792 |
| Noncurrent assets plus other real estate owned to assets | 3.8852% | 1,550 |
| Noncurrent loans to loans | 5.0344% | 1,216 |
| Net loans and leases to total assets | 51.4016% | 6,747 |
| Net loans and leases to deposits | 56.4451% | 7,132 |
| Net loans and leases to core deposits | 61.6086% | 7,391 |
| Total domestic deposits to total assets | 91.0647% | 430 |
| Equity capital to assets | 8.4503% | 6,120 |
| Core capital (leverage) ratio | 8.3475% | 5,718 |
| Tier 1 risk-based capital ratio | 14.0934% | 3,461 |
| Total risk-based capital ratio | 15.3491% | 3,397 |
| Memoranda: | ||
| Average total assets | $95,011,330 | 5,309 |
| Average earning assets | $82,177,000 | 5,457 |
| Average equity | $7,929,000 | 6,044 |
| Average total loans | $50,570,000 | 5,744 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9415% | 7,068 |
| Cost of funding earning assets | 1.2147% | 7,268 |
| Net interest margin | 3.7268% | 3,774 |
| Noninterest income to average assets | 0.7976% | 2,340 |
| Noninterest expense to average assets | 3.8445% | 1,393 |
| Loan and lease loss provision to assets | 0.9706% | 1,337 |
| Net operating income to assets | -0.4473% | 6,825 |
| Return on assets (ROA) | -0.4473% | 6,890 |
| Pretax return on assets | -0.7807% | 7,023 |
| Return on Equity (ROE) | -5.3944% | 7,010 |
| Retained earnings to average equity (ytd only) | -5.3944% | 6,610 |
| Net charge-offs to loans | 2.0698% | 697 |
| Credit loss provision to net charge-offs | 87.4525% | 4,053 |
| Earnings coverage of net charge-offs (x) | 0.1711% | 4,844 |
| Efficiency ratio | 95.2929% | 1,362 |
| Assets per employee ($millions) | 2.9385% | 6,324 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7244% | 2,063 |
| Loan loss allowance to noncurrent loans | 30.7008% | 6,495 |
| Noncurrent assets plus other real estate owned to assets | 2.9906% | 1,889 |
| Noncurrent loans to loans | 5.6168% | 898 |
| Net loans and leases to total assets | 50.7203% | 6,792 |
| Net loans and leases to deposits | 55.8777% | 7,167 |
| Net loans and leases to core deposits | 60.2157% | 7,445 |
| Total domestic deposits to total assets | 90.7702% | 489 |
| Equity capital to assets | 8.4089% | 6,215 |
| Core capital (leverage) ratio | 8.0689% | 6,347 |
| Tier 1 risk-based capital ratio | 12.9827% | 4,188 |
| Total risk-based capital ratio | 14.2367% | 4,114 |
| Memoranda: | ||
| Average total assets | $94,785,000 | 5,339 |
| Average earning assets | $82,323,000 | 5,478 |
| Average equity | $7,860,000 | 6,104 |
| Average total loans | $50,827,000 | 5,769 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6755% | 6,852 |
| Cost of funding earning assets | 1.4630% | 7,663 |
| Net interest margin | 4.2125% | 2,269 |
| Noninterest income to average assets | 0.8241% | 2,387 |
| Noninterest expense to average assets | 4.0111% | 1,403 |
| Loan and lease loss provision to assets | 0.5789% | 2,506 |
| Net operating income to assets | 0.0352% | 6,267 |
| Return on assets (ROA) | 0.2774% | 5,437 |
| Pretax return on assets | 0.4132% | 5,223 |
| Return on Equity (ROE) | 3.2294% | 5,143 |
| Retained earnings to average equity (ytd only) | 0.1474% | 5,139 |
| Net charge-offs to loans | 0.5184% | 2,290 |
| Credit loss provision to net charge-offs | 213.1356% | 2,265 |
| Earnings coverage of net charge-offs (x) | 2.3220% | 4,925 |
| Efficiency ratio | 86.4121% | 1,813 |
| Assets per employee ($millions) | 2.9871% | 6,086 |
| Cash dividends to net income (ytd only)* | 95.4357% | 1,125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7362% | 1,807 |
| Loan loss allowance to noncurrent loans | 59.4559% | 5,038 |
| Noncurrent assets plus other real estate owned to assets | 1.6274% | 2,991 |
| Noncurrent loans to loans | 2.9201% | 1,843 |
| Net loans and leases to total assets | 54.7640% | 6,571 |
| Net loans and leases to deposits | 60.1045% | 7,076 |
| Net loans and leases to core deposits | 64.1348% | 7,438 |
| Total domestic deposits to total assets | 91.1146% | 298 |
| Equity capital to assets | 8.1705% | 6,593 |
| Core capital (leverage) ratio | 8.0162% | 6,461 |
| Tier 1 risk-based capital ratio | 11.9445% | 4,866 |
| Total risk-based capital ratio | 13.1971% | 4,745 |
| Memoranda: | ||
| Average total assets | $86,883,400 | 5,453 |
| Average earning assets | $78,741,400 | 5,470 |
| Average equity | $7,462,800 | 6,289 |
| Average total loans | $45,521,800 | 5,902 |