| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1780% | 3,067 |
| Cost of funding earning assets | 0.1571% | 6,143 |
| Net interest margin | 4.0209% | 1,820 |
| Noninterest income to average assets | 0.8844% | 1,575 |
| Noninterest expense to average assets | 3.5796% | 1,328 |
| Loan and lease loss provision to assets | 0.0959% | 2,446 |
| Net operating income to assets | 0.6883% | 4,003 |
| Return on assets (ROA) | 0.6883% | 4,091 |
| Pretax return on assets | 0.6883% | 4,739 |
| Return on Equity (ROE) | 5.1665% | 4,642 |
| Retained earnings to average equity (ytd only) | 1.4084% | 5,336 |
| Net charge-offs to loans | 0.2463% | 1,563 |
| Credit loss provision to net charge-offs | 85.8491% | 2,497 |
| Earnings coverage of net charge-offs (x) | 7.0189% | 2,990 |
| Efficiency ratio | 78.7198% | 2,086 |
| Assets per employee ($millions) | 3.8505% | 4,191 |
| Cash dividends to net income (ytd only)* | 72.7419% | 933 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.1679% | 300 |
| Loan loss allowance to noncurrent loans | 180.9713% | 2,331 |
| Noncurrent assets plus other real estate owned to assets | 1.1476% | 2,655 |
| Noncurrent loans to loans | 1.7505% | 1,852 |
| Net loans and leases to total assets | 45.2973% | 5,429 |
| Net loans and leases to deposits | 54.3752% | 5,355 |
| Net loans and leases to core deposits | 59.4259% | 5,231 |
| Total domestic deposits to total assets | 83.3051% | 4,029 |
| Equity capital to assets | 13.8268% | 1,063 |
| Core capital (leverage) ratio | 9.8639% | 3,861 |
| Tier 1 risk-based capital ratio | 19.1053% | 1,881 |
| Total risk-based capital ratio | 20.3702% | 1,839 |
| Memoranda: |
| Average total assets | $126,490,500 | 4,074 |
| Average earning assets | $109,458,500 | 4,233 |
| Average equity | $16,851,500 | 3,563 |
| Average total loans | $57,385,250 | 4,614 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1854% | 3,004 |
| Cost of funding earning assets | 0.1558% | 6,235 |
| Net interest margin | 4.0297% | 1,725 |
| Noninterest income to average assets | 0.8622% | 1,616 |
| Noninterest expense to average assets | 3.6118% | 1,278 |
| Loan and lease loss provision to assets | 0.0956% | 2,431 |
| Net operating income to assets | 0.6427% | 4,137 |
| Return on assets (ROA) | 0.6427% | 4,238 |
| Pretax return on assets | 0.6427% | 4,807 |
| Return on Equity (ROE) | 4.8840% | 4,730 |
| Retained earnings to average equity (ytd only) | 0.6194% | 5,485 |
| Net charge-offs to loans | 0.3072% | 1,317 |
| Credit loss provision to net charge-offs | 69.3182% | 2,484 |
| Earnings coverage of net charge-offs (x) | 5.3523% | 2,941 |
| Efficiency ratio | 79.7477% | 2,055 |
| Assets per employee ($millions) | 3.6409% | 4,572 |
| Cash dividends to net income (ytd only)* | 87.3171% | 739 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.1689% | 318 |
| Loan loss allowance to noncurrent loans | 185.9487% | 2,287 |
| Noncurrent assets plus other real estate owned to assets | 1.0674% | 2,934 |
| Noncurrent loans to loans | 1.7042% | 2,033 |
| Net loans and leases to total assets | 42.2672% | 5,661 |
| Net loans and leases to deposits | 48.9339% | 5,708 |
| Net loans and leases to core deposits | 53.0047% | 5,614 |
| Total domestic deposits to total assets | 86.3761% | 2,835 |
| Equity capital to assets | 12.9769% | 1,381 |
| Core capital (leverage) ratio | 9.6479% | 4,113 |
| Tier 1 risk-based capital ratio | 18.2360% | 2,155 |
| Total risk-based capital ratio | 19.4611% | 2,125 |
| Memoranda: |
| Average total assets | $127,581,670 | 4,084 |
| Average earning assets | $110,430,330 | 4,234 |
| Average equity | $16,789,670 | 3,567 |
| Average total loans | $57,300,330 | 4,645 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3086% | 2,490 |
| Cost of funding earning assets | 0.1582% | 6,309 |
| Net interest margin | 4.1504% | 1,342 |
| Noninterest income to average assets | 0.8010% | 1,744 |
| Noninterest expense to average assets | 3.7255% | 1,093 |
| Loan and lease loss provision to assets | 0.0954% | 2,335 |
| Net operating income to assets | 0.5658% | 4,379 |
| Return on assets (ROA) | 0.5658% | 4,454 |
| Pretax return on assets | 0.5658% | 4,957 |
| Return on Equity (ROE) | 4.2686% | 4,898 |
| Retained earnings to average equity (ytd only) | 1.2710% | 5,109 |
| Net charge-offs to loans | 0.2302% | 1,401 |
| Credit loss provision to net charge-offs | 90.9091% | 1,792 |
| Earnings coverage of net charge-offs (x) | 6.3030% | 2,237 |
| Efficiency ratio | 81.5942% | 1,979 |
| Assets per employee ($millions) | 3.5182% | 4,886 |
| Cash dividends to net income (ytd only)* | 70.2247% | 1,147 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.2120% | 354 |
| Loan loss allowance to noncurrent loans | 160.2441% | 2,530 |
| Noncurrent assets plus other real estate owned to assets | 1.1733% | 2,910 |
| Noncurrent loans to loans | 2.0044% | 1,860 |
| Net loans and leases to total assets | 43.7287% | 5,535 |
| Net loans and leases to deposits | 50.7919% | 5,540 |
| Net loans and leases to core deposits | 55.1863% | 5,423 |
| Total domestic deposits to total assets | 86.0938% | 3,314 |
| Equity capital to assets | 13.2651% | 1,184 |
| Core capital (leverage) ratio | 9.7778% | 3,890 |
| Tier 1 risk-based capital ratio | 18.2755% | 2,183 |
| Total risk-based capital ratio | 19.4993% | 2,155 |
| Memoranda: |
| Average total assets | $125,837,000 | 4,147 |
| Average earning assets | $108,712,500 | 4,299 |
| Average equity | $16,680,000 | 3,593 |
| Average total loans | $57,344,000 | 4,674 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0969% | 3,753 |
| Cost of funding earning assets | 0.1804% | 6,389 |
| Net interest margin | 3.9166% | 2,231 |
| Noninterest income to average assets | 0.9201% | 1,611 |
| Noninterest expense to average assets | 3.8511% | 1,055 |
| Loan and lease loss provision to assets | 0.0987% | 3,151 |
| Net operating income to assets | 0.3439% | 5,359 |
| Return on assets (ROA) | 0.4815% | 4,954 |
| Pretax return on assets | 0.4815% | 5,256 |
| Return on Equity (ROE) | 3.5231% | 5,315 |
| Retained earnings to average equity (ytd only) | 0.5625% | 5,590 |
| Net charge-offs to loans | -0.0568% | 6,355 |
| Credit loss provision to net charge-offs | -406.6667% | 6,108 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.2608% | 1,390 |
| Assets per employee ($millions) | 3.5719% | 4,757 |
| Cash dividends to net income (ytd only)* | 84.0336% | 796 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.2037% | 368 |
| Loan loss allowance to noncurrent loans | 75.8237% | 4,310 |
| Noncurrent assets plus other real estate owned to assets | 2.2261% | 1,599 |
| Noncurrent loans to loans | 4.2252% | 662 |
| Net loans and leases to total assets | 44.4928% | 5,632 |
| Net loans and leases to deposits | 52.4255% | 5,594 |
| Net loans and leases to core deposits | 57.0871% | 5,457 |
| Total domestic deposits to total assets | 84.8686% | 3,819 |
| Equity capital to assets | 13.2453% | 1,159 |
| Core capital (leverage) ratio | 9.6948% | 3,992 |
| Tier 1 risk-based capital ratio | 18.1824% | 2,189 |
| Total risk-based capital ratio | 19.3342% | 2,189 |
| Memoranda: |
| Average total assets | $123,574,000 | 4,193 |
| Average earning assets | $106,445,400 | 4,353 |
| Average equity | $16,888,400 | 3,577 |
| Average total loans | $52,855,800 | 4,851 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0439% | 3,959 |
| Cost of funding earning assets | 0.1821% | 6,490 |
| Net interest margin | 3.8618% | 2,411 |
| Noninterest income to average assets | 0.9468% | 1,613 |
| Noninterest expense to average assets | 3.8621% | 1,011 |
| Loan and lease loss provision to assets | 0.0985% | 3,117 |
| Net operating income to assets | 0.3138% | 5,569 |
| Return on assets (ROA) | 0.4978% | 4,971 |
| Pretax return on assets | 0.4978% | 5,363 |
| Return on Equity (ROE) | 3.6140% | 5,381 |
| Retained earnings to average equity (ytd only) | -0.3142% | 6,005 |
| Net charge-offs to loans | 0.0206% | 4,718 |
| Credit loss provision to net charge-offs | 1,137.5000% | 273 |
| Earnings coverage of net charge-offs (x) | 47.6092% | 897 |
| Efficiency ratio | 86.8861% | 1,273 |
| Assets per employee ($millions) | 3.5384% | 4,767 |
| Cash dividends to net income (ytd only)* | 108.6953% | 319 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.2573% | 427 |
| Loan loss allowance to noncurrent loans | 74.2558% | 4,260 |
| Noncurrent assets plus other real estate owned to assets | 2.2302% | 1,784 |
| Noncurrent loans to loans | 4.3866% | 755 |
| Net loans and leases to total assets | 42.4720% | 5,861 |
| Net loans and leases to deposits | 49.3410% | 5,878 |
| Net loans and leases to core deposits | 53.5005% | 5,799 |
| Total domestic deposits to total assets | 86.0785% | 3,208 |
| Equity capital to assets | 13.1690% | 1,257 |
| Core capital (leverage) ratio | 9.5657% | 4,305 |
| Tier 1 risk-based capital ratio | 18.2183% | 2,239 |
| Total risk-based capital ratio | 19.3951% | 2,232 |
| Memoranda: |
| Average total assets | $123,213,000 | 4,242 |
| Average earning assets | $106,164,500 | 4,401 |
| Average equity | $16,970,750 | 3,608 |
| Average total loans | $51,703,500 | 4,942 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0928% | 3,760 |
| Cost of funding earning assets | 0.1831% | 6,557 |
| Net interest margin | 3.9097% | 2,186 |
| Noninterest income to average assets | 0.9658% | 1,612 |
| Noninterest expense to average assets | 3.9804% | 886 |
| Loan and lease loss provision to assets | 0.0976% | 3,161 |
| Net operating income to assets | 0.2553% | 5,761 |
| Return on assets (ROA) | 0.5317% | 4,822 |
| Pretax return on assets | 0.5317% | 5,262 |
| Return on Equity (ROE) | 3.8042% | 5,289 |
| Retained earnings to average equity (ytd only) | -0.5584% | 5,973 |
| Net charge-offs to loans | 0.0236% | 4,367 |
| Credit loss provision to net charge-offs | 1,000.0000% | 300 |
| Earnings coverage of net charge-offs (x) | 36.1667% | 997 |
| Efficiency ratio | 88.4428% | 1,180 |
| Assets per employee ($millions) | 3.5443% | 4,769 |
| Cash dividends to net income (ytd only)* | 114.6789% | 387 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.4961% | 373 |
| Loan loss allowance to noncurrent loans | 69.4301% | 4,438 |
| Noncurrent assets plus other real estate owned to assets | 2.3281% | 1,853 |
| Noncurrent loans to loans | 5.0354% | 636 |
| Net loans and leases to total assets | 38.7623% | 6,130 |
| Net loans and leases to deposits | 45.1041% | 6,162 |
| Net loans and leases to core deposits | 49.2074% | 6,066 |
| Total domestic deposits to total assets | 85.9397% | 3,404 |
| Equity capital to assets | 13.3905% | 1,187 |
| Core capital (leverage) ratio | 9.7525% | 3,864 |
| Tier 1 risk-based capital ratio | 18.9889% | 1,995 |
| Total risk-based capital ratio | 20.2163% | 1,968 |
| Memoranda: |
| Average total assets | $123,002,670 | 4,278 |
| Average earning assets | $105,941,330 | 4,435 |
| Average equity | $17,191,330 | 3,595 |
| Average total loans | $50,814,670 | 4,989 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1123% | 3,677 |
| Cost of funding earning assets | 0.1850% | 6,647 |
| Net interest margin | 3.9273% | 2,020 |
| Noninterest income to average assets | 1.0418% | 1,364 |
| Noninterest expense to average assets | 4.3044% | 626 |
| Loan and lease loss provision to assets | 0.0980% | 3,055 |
| Net operating income to assets | 0.0359% | 6,285 |
| Return on assets (ROA) | 0.5911% | 4,411 |
| Pretax return on assets | 0.5911% | 4,978 |
| Return on Equity (ROE) | 4.1415% | 5,021 |
| Retained earnings to average equity (ytd only) | 1.2814% | 5,340 |
| Net charge-offs to loans | 0.0312% | 3,597 |
| Credit loss provision to net charge-offs | 750.0000% | 377 |
| Earnings coverage of net charge-offs (x) | 10.2500% | 1,761 |
| Efficiency ratio | 93.5982% | 862 |
| Assets per employee ($millions) | 3.5215% | 4,938 |
| Cash dividends to net income (ytd only)* | 69.0608% | 1,117 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.3447% | 478 |
| Loan loss allowance to noncurrent loans | 67.7738% | 4,417 |
| Noncurrent assets plus other real estate owned to assets | 2.3610% | 1,972 |
| Noncurrent loans to loans | 4.9350% | 778 |
| Net loans and leases to total assets | 40.1869% | 5,980 |
| Net loans and leases to deposits | 47.1401% | 5,984 |
| Net loans and leases to core deposits | 51.4907% | 5,861 |
| Total domestic deposits to total assets | 85.2500% | 3,924 |
| Equity capital to assets | 14.0855% | 999 |
| Core capital (leverage) ratio | 9.9061% | 3,524 |
| Tier 1 risk-based capital ratio | 19.0978% | 2,013 |
| Total risk-based capital ratio | 20.3807% | 1,978 |
| Memoranda: |
| Average total assets | $122,478,500 | 4,337 |
| Average earning assets | $105,926,000 | 4,477 |
| Average equity | $17,481,500 | 3,597 |
| Average total loans | $51,308,500 | 5,013 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4725% | 3,512 |
| Cost of funding earning assets | 0.2793% | 6,555 |
| Net interest margin | 4.1932% | 1,684 |
| Noninterest income to average assets | 1.0965% | 1,285 |
| Noninterest expense to average assets | 3.9476% | 1,044 |
| Loan and lease loss provision to assets | 0.2741% | 2,453 |
| Net operating income to assets | 0.4450% | 4,903 |
| Return on assets (ROA) | 0.6118% | 4,443 |
| Pretax return on assets | 0.6118% | 4,962 |
| Return on Equity (ROE) | 4.2572% | 5,037 |
| Retained earnings to average equity (ytd only) | 2.1889% | 4,695 |
| Net charge-offs to loans | -0.1343% | 6,884 |
| Credit loss provision to net charge-offs | -474.2857% | 6,515 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.3694% | 1,960 |
| Assets per employee ($millions) | 3.2027% | 5,618 |
| Cash dividends to net income (ytd only)* | 48.5830% | 2,390 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.2859% | 512 |
| Loan loss allowance to noncurrent loans | 67.3315% | 4,362 |
| Noncurrent assets plus other real estate owned to assets | 2.3746% | 2,066 |
| Noncurrent loans to loans | 4.8802% | 836 |
| Net loans and leases to total assets | 40.8232% | 6,115 |
| Net loans and leases to deposits | 47.9987% | 6,110 |
| Net loans and leases to core deposits | 52.4918% | 5,981 |
| Total domestic deposits to total assets | 85.0505% | 3,842 |
| Equity capital to assets | 14.4631% | 889 |
| Core capital (leverage) ratio | 10.2758% | 3,043 |
| Tier 1 risk-based capital ratio | 18.5093% | 2,100 |
| Total risk-based capital ratio | 19.7783% | 2,064 |
| Memoranda: |
| Average total assets | $121,112,400 | 4,337 |
| Average earning assets | $103,120,200 | 4,510 |
| Average equity | $17,406,000 | 3,558 |
| Average total loans | $52,137,200 | 5,009 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5336% | 3,508 |
| Cost of funding earning assets | 0.3041% | 6,599 |
| Net interest margin | 4.2295% | 1,643 |
| Noninterest income to average assets | 1.0956% | 1,253 |
| Noninterest expense to average assets | 4.0606% | 867 |
| Loan and lease loss provision to assets | 0.3086% | 2,143 |
| Net operating income to assets | 0.3130% | 5,568 |
| Return on assets (ROA) | 0.5357% | 4,951 |
| Pretax return on assets | 0.5357% | 5,360 |
| Return on Equity (ROE) | 3.7332% | 5,389 |
| Retained earnings to average equity (ytd only) | 0.9679% | 5,781 |
| Net charge-offs to loans | -0.2217% | 7,011 |
| Credit loss provision to net charge-offs | -321.8391% | 6,387 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.4981% | 1,643 |
| Assets per employee ($millions) | 3.1000% | 5,852 |
| Cash dividends to net income (ytd only)* | 74.0748% | 799 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.2047% | 593 |
| Loan loss allowance to noncurrent loans | 64.9116% | 4,435 |
| Noncurrent assets plus other real estate owned to assets | 2.8540% | 1,841 |
| Noncurrent loans to loans | 4.9371% | 920 |
| Net loans and leases to total assets | 42.3577% | 6,095 |
| Net loans and leases to deposits | 50.5803% | 6,067 |
| Net loans and leases to core deposits | 54.9079% | 5,976 |
| Total domestic deposits to total assets | 83.7435% | 4,339 |
| Equity capital to assets | 14.8932% | 848 |
| Core capital (leverage) ratio | 9.9589% | 3,599 |
| Tier 1 risk-based capital ratio | 18.1988% | 2,266 |
| Total risk-based capital ratio | 19.4034% | 2,258 |
| Memoranda: |
| Average total assets | $120,964,750 | 4,377 |
| Average earning assets | $102,578,750 | 4,587 |
| Average equity | $17,357,000 | 3,591 |
| Average total loans | $52,328,750 | 5,061 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5530% | 3,549 |
| Cost of funding earning assets | 0.3345% | 6,578 |
| Net interest margin | 4.2185% | 1,703 |
| Noninterest income to average assets | 1.0523% | 1,307 |
| Noninterest expense to average assets | 4.0321% | 906 |
| Loan and lease loss provision to assets | 0.4098% | 1,601 |
| Net operating income to assets | 0.1869% | 5,957 |
| Return on assets (ROA) | 0.5179% | 5,001 |
| Pretax return on assets | 0.5179% | 5,391 |
| Return on Equity (ROE) | 3.6543% | 5,417 |
| Retained earnings to average equity (ytd only) | 0.1850% | 5,980 |
| Net charge-offs to loans | -0.2548% | 7,048 |
| Credit loss provision to net charge-offs | -373.1343% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.8881% | 1,647 |
| Assets per employee ($millions) | 3.0443% | 5,972 |
| Cash dividends to net income (ytd only)* | 94.9367% | 516 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.0407% | 746 |
| Loan loss allowance to noncurrent loans | 55.1617% | 4,859 |
| Noncurrent assets plus other real estate owned to assets | 3.0040% | 1,833 |
| Noncurrent loans to loans | 5.5123% | 845 |
| Net loans and leases to total assets | 41.9763% | 6,188 |
| Net loans and leases to deposits | 49.2200% | 6,225 |
| Net loans and leases to core deposits | 53.2193% | 6,142 |
| Total domestic deposits to total assets | 85.2830% | 3,720 |
| Equity capital to assets | 14.1865% | 1,019 |
| Core capital (leverage) ratio | 9.4674% | 4,183 |
| Tier 1 risk-based capital ratio | 17.6659% | 2,405 |
| Total risk-based capital ratio | 18.9164% | 2,376 |
| Memoranda: |
| Average total assets | $122,020,000 | 4,373 |
| Average earning assets | $103,448,330 | 4,587 |
| Average equity | $17,294,670 | 3,601 |
| Average total loans | $52,588,670 | 5,079 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7704% | 2,759 |
| Cost of funding earning assets | 0.3586% | 6,607 |
| Net interest margin | 4.4118% | 1,200 |
| Noninterest income to average assets | 0.9431% | 1,590 |
| Noninterest expense to average assets | 4.0149% | 922 |
| Loan and lease loss provision to assets | 0.0982% | 4,115 |
| Net operating income to assets | 0.5764% | 4,462 |
| Return on assets (ROA) | 0.5731% | 4,700 |
| Pretax return on assets | 0.5731% | 5,207 |
| Return on Equity (ROE) | 4.0452% | 5,277 |
| Retained earnings to average equity (ytd only) | 1.2713% | 5,584 |
| Net charge-offs to loans | 0.2894% | 2,512 |
| Credit loss provision to net charge-offs | 78.9474% | 2,736 |
| Earnings coverage of net charge-offs (x) | 5.4211% | 2,374 |
| Efficiency ratio | 82.4022% | 1,884 |
| Assets per employee ($millions) | 3.1184% | 5,923 |
| Cash dividends to net income (ytd only)* | 68.5714% | 1,010 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3724% | 1,553 |
| Loan loss allowance to noncurrent loans | 248.6381% | 1,355 |
| Noncurrent assets plus other real estate owned to assets | 0.9957% | 4,505 |
| Noncurrent loans to loans | 0.9542% | 4,765 |
| Net loans and leases to total assets | 42.1618% | 6,177 |
| Net loans and leases to deposits | 49.2725% | 6,199 |
| Net loans and leases to core deposits | 54.1299% | 6,047 |
| Total domestic deposits to total assets | 85.5687% | 3,758 |
| Equity capital to assets | 13.8581% | 1,073 |
| Core capital (leverage) ratio | 9.4275% | 4,160 |
| Tier 1 risk-based capital ratio | 16.9878% | 2,687 |
| Total risk-based capital ratio | 18.2469% | 2,643 |
| Memoranda: |
| Average total assets | $122,144,500 | 4,406 |
| Average earning assets | $103,723,000 | 4,608 |
| Average equity | $17,304,500 | 3,604 |
| Average total loans | $52,524,000 | 5,125 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8608% | 3,539 |
| Cost of funding earning assets | 0.5743% | 6,215 |
| Net interest margin | 4.2865% | 1,743 |
| Noninterest income to average assets | 0.9250% | 1,588 |
| Noninterest expense to average assets | 3.8591% | 1,239 |
| Loan and lease loss provision to assets | 0.1004% | 5,336 |
| Net operating income to assets | 0.6173% | 3,905 |
| Return on assets (ROA) | 0.6164% | 4,101 |
| Pretax return on assets | 0.6164% | 4,640 |
| Return on Equity (ROE) | 4.4174% | 4,668 |
| Retained earnings to average equity (ytd only) | 1.5404% | 5,111 |
| Net charge-offs to loans | 0.4486% | 3,186 |
| Credit loss provision to net charge-offs | 50.4202% | 5,413 |
| Earnings coverage of net charge-offs (x) | 3.6050% | 3,456 |
| Efficiency ratio | 80.9942% | 2,161 |
| Assets per employee ($millions) | 3.0655% | 5,963 |
| Cash dividends to net income (ytd only)* | 65.1289% | 1,346 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.5127% | 1,299 |
| Loan loss allowance to noncurrent loans | 242.6415% | 1,366 |
| Noncurrent assets plus other real estate owned to assets | 1.0740% | 4,468 |
| Noncurrent loans to loans | 1.0356% | 4,635 |
| Net loans and leases to total assets | 41.7330% | 6,407 |
| Net loans and leases to deposits | 49.0851% | 6,427 |
| Net loans and leases to core deposits | 54.2144% | 6,288 |
| Total domestic deposits to total assets | 85.0217% | 3,832 |
| Equity capital to assets | 14.4898% | 901 |
| Core capital (leverage) ratio | 9.4398% | 4,125 |
| Tier 1 risk-based capital ratio | 17.7238% | 2,295 |
| Total risk-based capital ratio | 18.9907% | 2,260 |
| Memoranda: |
| Average total assets | $119,561,600 | 4,413 |
| Average earning assets | $101,855,800 | 4,590 |
| Average equity | $16,684,200 | 3,627 |
| Average total loans | $53,059,800 | 5,155 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8793% | 3,642 |
| Cost of funding earning assets | 0.6190% | 6,192 |
| Net interest margin | 4.2602% | 1,873 |
| Noninterest income to average assets | 0.9189% | 1,583 |
| Noninterest expense to average assets | 3.8651% | 1,206 |
| Loan and lease loss provision to assets | 0.1004% | 5,199 |
| Net operating income to assets | 0.5910% | 4,128 |
| Return on assets (ROA) | 0.5899% | 4,314 |
| Pretax return on assets | 0.5899% | 4,845 |
| Return on Equity (ROE) | 4.2683% | 4,883 |
| Retained earnings to average equity (ytd only) | 0.3954% | 5,835 |
| Net charge-offs to loans | 0.3363% | 3,411 |
| Credit loss provision to net charge-offs | 66.6667% | 4,580 |
| Earnings coverage of net charge-offs (x) | 4.5925% | 3,014 |
| Efficiency ratio | 81.4733% | 2,045 |
| Assets per employee ($millions) | 3.1198% | 5,863 |
| Cash dividends to net income (ytd only)* | 90.7361% | 421 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.5702% | 1,307 |
| Loan loss allowance to noncurrent loans | 153.0405% | 1,994 |
| Noncurrent assets plus other real estate owned to assets | 1.1983% | 4,401 |
| Noncurrent loans to loans | 1.6794% | 3,787 |
| Net loans and leases to total assets | 42.3412% | 6,480 |
| Net loans and leases to deposits | 49.6377% | 6,521 |
| Net loans and leases to core deposits | 54.9743% | 6,392 |
| Total domestic deposits to total assets | 85.3005% | 3,617 |
| Equity capital to assets | 14.1406% | 1,105 |
| Core capital (leverage) ratio | 9.1722% | 4,671 |
| Tier 1 risk-based capital ratio | 16.8481% | 2,695 |
| Total risk-based capital ratio | 18.0780% | 2,681 |
| Memoranda: |
| Average total assets | $119,563,750 | 4,439 |
| Average earning assets | $102,089,250 | 4,613 |
| Average equity | $16,524,500 | 3,657 |
| Average total loans | $53,530,000 | 5,181 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8878% | 3,679 |
| Cost of funding earning assets | 0.6437% | 6,254 |
| Net interest margin | 4.2441% | 1,865 |
| Noninterest income to average assets | 0.9187% | 1,588 |
| Noninterest expense to average assets | 3.9239% | 1,155 |
| Loan and lease loss provision to assets | 0.1010% | 5,052 |
| Net operating income to assets | 0.5216% | 4,410 |
| Return on assets (ROA) | 0.5199% | 4,558 |
| Pretax return on assets | 0.5199% | 4,994 |
| Return on Equity (ROE) | 3.7920% | 5,025 |
| Retained earnings to average equity (ytd only) | -0.6259% | 5,990 |
| Net charge-offs to loans | 0.5061% | 2,585 |
| Credit loss provision to net charge-offs | 44.1176% | 4,729 |
| Earnings coverage of net charge-offs (x) | 2.7206% | 3,482 |
| Efficiency ratio | 82.9386% | 1,967 |
| Assets per employee ($millions) | 2.9956% | 6,100 |
| Cash dividends to net income (ytd only)* | 116.5049% | 314 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4487% | 1,526 |
| Loan loss allowance to noncurrent loans | 111.1297% | 2,597 |
| Noncurrent assets plus other real estate owned to assets | 1.1431% | 4,602 |
| Noncurrent loans to loans | 2.2035% | 3,221 |
| Net loans and leases to total assets | 43.0744% | 6,517 |
| Net loans and leases to deposits | 50.0966% | 6,585 |
| Net loans and leases to core deposits | 55.3627% | 6,466 |
| Total domestic deposits to total assets | 85.9827% | 3,335 |
| Equity capital to assets | 13.5084% | 1,288 |
| Core capital (leverage) ratio | 8.9152% | 4,853 |
| Tier 1 risk-based capital ratio | 16.1304% | 2,912 |
| Total risk-based capital ratio | 17.3770% | 2,886 |
| Memoranda: |
| Average total assets | $118,861,330 | 4,491 |
| Average earning assets | $101,600,330 | 4,661 |
| Average equity | $16,297,670 | 3,681 |
| Average total loans | $53,748,000 | 5,226 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8178% | 3,977 |
| Cost of funding earning assets | 0.6394% | 6,430 |
| Net interest margin | 4.1784% | 1,967 |
| Noninterest income to average assets | 0.9582% | 1,439 |
| Noninterest expense to average assets | 3.8021% | 1,336 |
| Loan and lease loss provision to assets | 0.1027% | 4,727 |
| Net operating income to assets | 0.6092% | 3,989 |
| Return on assets (ROA) | 0.6057% | 4,073 |
| Pretax return on assets | 0.6057% | 4,662 |
| Return on Equity (ROE) | 4.3836% | 4,708 |
| Retained earnings to average equity (ytd only) | 1.4117% | 5,256 |
| Net charge-offs to loans | 0.0299% | 4,679 |
| Credit loss provision to net charge-offs | 750.0000% | 500 |
| Earnings coverage of net charge-offs (x) | 52.0000% | 560 |
| Efficiency ratio | 80.7430% | 2,404 |
| Assets per employee ($millions) | 2.8555% | 6,435 |
| Cash dividends to net income (ytd only)* | 67.7966% | 1,064 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.7009% | 1,204 |
| Loan loss allowance to noncurrent loans | 98.8252% | 2,891 |
| Noncurrent assets plus other real estate owned to assets | 1.3241% | 4,317 |
| Noncurrent loans to loans | 2.7330% | 2,766 |
| Net loans and leases to total assets | 42.9539% | 6,546 |
| Net loans and leases to deposits | 49.9845% | 6,624 |
| Net loans and leases to core deposits | 54.2155% | 6,537 |
| Total domestic deposits to total assets | 85.9344% | 3,556 |
| Equity capital to assets | 13.5695% | 1,158 |
| Core capital (leverage) ratio | 9.4498% | 3,885 |
| Tier 1 risk-based capital ratio | 15.9232% | 2,939 |
| Total risk-based capital ratio | 17.1843% | 2,906 |
| Memoranda: |
| Average total assets | $116,882,000 | 4,564 |
| Average earning assets | $99,464,000 | 4,756 |
| Average equity | $16,151,000 | 3,701 |
| Average total loans | $53,506,000 | 5,272 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5907% | 1,935 |
| Cost of funding earning assets | 0.6971% | 6,900 |
| Net interest margin | 4.8936% | 556 |
| Noninterest income to average assets | 1.0826% | 1,276 |
| Noninterest expense to average assets | 4.3385% | 778 |
| Loan and lease loss provision to assets | 0.4220% | 3,581 |
| Net operating income to assets | 0.4248% | 4,434 |
| Return on assets (ROA) | 0.9477% | 2,337 |
| Pretax return on assets | 0.9477% | 3,111 |
| Return on Equity (ROE) | 6.5934% | 3,302 |
| Retained earnings to average equity (ytd only) | 4.2956% | 2,833 |
| Net charge-offs to loans | 0.8371% | 2,539 |
| Credit loss provision to net charge-offs | 100.4367% | 4,533 |
| Earnings coverage of net charge-offs (x) | 2.0153% | 4,223 |
| Efficiency ratio | 80.4494% | 2,355 |
| Assets per employee ($millions) | 2.8458% | 6,447 |
| Cash dividends to net income (ytd only)* | 34.8500% | 2,827 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.5968% | 1,295 |
| Loan loss allowance to noncurrent loans | 107.5862% | 2,689 |
| Noncurrent assets plus other real estate owned to assets | 1.2545% | 4,519 |
| Noncurrent loans to loans | 2.4137% | 3,102 |
| Net loans and leases to total assets | 46.2634% | 6,536 |
| Net loans and leases to deposits | 54.1494% | 6,599 |
| Net loans and leases to core deposits | 58.8124% | 6,491 |
| Total domestic deposits to total assets | 85.4366% | 3,643 |
| Equity capital to assets | 14.0803% | 1,012 |
| Core capital (leverage) ratio | 9.7715% | 3,354 |
| Tier 1 risk-based capital ratio | 15.6383% | 2,935 |
| Total risk-based capital ratio | 16.8576% | 2,907 |
| Memoranda: |
| Average total assets | $109,000,800 | 4,740 |
| Average earning assets | $91,384,400 | 4,967 |
| Average equity | $15,667,200 | 3,826 |
| Average total loans | $54,713,400 | 5,286 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7767% | 1,466 |
| Cost of funding earning assets | 0.7066% | 7,045 |
| Net interest margin | 5.0701% | 377 |
| Noninterest income to average assets | 1.0551% | 1,291 |
| Noninterest expense to average assets | 4.5011% | 594 |
| Loan and lease loss provision to assets | 0.1113% | 5,915 |
| Net operating income to assets | 0.6853% | 3,496 |
| Return on assets (ROA) | 1.1380% | 1,882 |
| Pretax return on assets | 1.1380% | 2,704 |
| Return on Equity (ROE) | 7.8747% | 2,965 |
| Retained earnings to average equity (ytd only) | 4.7933% | 3,133 |
| Net charge-offs to loans | 0.6099% | 2,915 |
| Credit loss provision to net charge-offs | 35.8566% | 6,084 |
| Earnings coverage of net charge-offs (x) | 2.5657% | 3,873 |
| Efficiency ratio | 81.7651% | 2,083 |
| Assets per employee ($millions) | 2.7529% | 6,682 |
| Cash dividends to net income (ytd only)* | 39.1305% | 2,135 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2606% | 1,687 |
| Loan loss allowance to noncurrent loans | 84.8734% | 3,215 |
| Noncurrent assets plus other real estate owned to assets | 1.4612% | 4,264 |
| Noncurrent loans to loans | 2.6635% | 2,967 |
| Net loans and leases to total assets | 48.6873% | 6,460 |
| Net loans and leases to deposits | 57.8799% | 6,471 |
| Net loans and leases to core deposits | 62.1658% | 6,453 |
| Total domestic deposits to total assets | 84.1178% | 4,048 |
| Equity capital to assets | 15.0849% | 870 |
| Core capital (leverage) ratio | 9.9028% | 3,353 |
| Tier 1 risk-based capital ratio | 16.2029% | 2,669 |
| Total risk-based capital ratio | 17.4747% | 2,614 |
| Memoranda: |
| Average total assets | $107,792,750 | 4,842 |
| Average earning assets | $90,199,750 | 5,062 |
| Average equity | $15,577,000 | 3,884 |
| Average total loans | $54,875,000 | 5,350 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.8615% | 1,277 |
| Cost of funding earning assets | 0.7285% | 7,126 |
| Net interest margin | 5.1330% | 322 |
| Noninterest income to average assets | 1.0671% | 1,176 |
| Noninterest expense to average assets | 4.4684% | 598 |
| Loan and lease loss provision to assets | 0.1121% | 5,784 |
| Net operating income to assets | 0.7793% | 3,069 |
| Return on assets (ROA) | 0.9475% | 2,465 |
| Pretax return on assets | 0.9475% | 3,319 |
| Return on Equity (ROE) | 6.6569% | 3,461 |
| Retained earnings to average equity (ytd only) | 3.5057% | 3,876 |
| Net charge-offs to loans | 0.2770% | 3,949 |
| Credit loss provision to net charge-offs | 78.9474% | 4,733 |
| Earnings coverage of net charge-offs (x) | 6.2763% | 2,486 |
| Efficiency ratio | 80.1953% | 2,421 |
| Assets per employee ($millions) | 2.5125% | 7,086 |
| Cash dividends to net income (ytd only)* | 47.3373% | 1,794 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.5103% | 1,286 |
| Loan loss allowance to noncurrent loans | 89.1892% | 3,047 |
| Noncurrent assets plus other real estate owned to assets | 1.5894% | 4,070 |
| Noncurrent loans to loans | 2.8146% | 2,840 |
| Net loans and leases to total assets | 48.6911% | 6,575 |
| Net loans and leases to deposits | 56.9803% | 6,658 |
| Net loans and leases to core deposits | 60.5846% | 6,671 |
| Total domestic deposits to total assets | 85.4525% | 3,391 |
| Equity capital to assets | 13.8600% | 1,218 |
| Core capital (leverage) ratio | 9.5137% | 3,804 |
| Tier 1 risk-based capital ratio | 15.3959% | 2,957 |
| Total risk-based capital ratio | 16.5506% | 2,970 |
| Memoranda: |
| Average total assets | $107,018,000 | 4,887 |
| Average earning assets | $89,499,330 | 5,113 |
| Average equity | $15,232,330 | 3,943 |
| Average total loans | $54,882,330 | 5,385 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.9784% | 1,021 |
| Cost of funding earning assets | 0.7564% | 7,217 |
| Net interest margin | 5.2221% | 278 |
| Noninterest income to average assets | 1.1135% | 1,014 |
| Noninterest expense to average assets | 4.5566% | 540 |
| Loan and lease loss provision to assets | 0.1140% | 5,473 |
| Net operating income to assets | 0.8247% | 2,865 |
| Return on assets (ROA) | 1.0147% | 2,194 |
| Pretax return on assets | 1.0147% | 3,035 |
| Return on Equity (ROE) | 7.0321% | 3,323 |
| Retained earnings to average equity (ytd only) | 7.0321% | 2,117 |
| Net charge-offs to loans | 0.0292% | 5,159 |
| Credit loss provision to net charge-offs | 750.0000% | 596 |
| Earnings coverage of net charge-offs (x) | 61.7500% | 495 |
| Efficiency ratio | 79.7372% | 2,607 |
| Assets per employee ($millions) | 2.4460% | 7,284 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.5796% | 1,206 |
| Loan loss allowance to noncurrent loans | 78.9823% | 3,450 |
| Noncurrent assets plus other real estate owned to assets | 1.8472% | 3,711 |
| Noncurrent loans to loans | 3.2660% | 2,444 |
| Net loans and leases to total assets | 50.1096% | 6,454 |
| Net loans and leases to deposits | 58.8306% | 6,566 |
| Net loans and leases to core deposits | 62.6576% | 6,544 |
| Total domestic deposits to total assets | 85.1762% | 3,571 |
| Equity capital to assets | 14.2357% | 1,086 |
| Core capital (leverage) ratio | 9.8582% | 3,329 |
| Tier 1 risk-based capital ratio | 15.7028% | 2,780 |
| Total risk-based capital ratio | 16.9658% | 2,718 |
| Memoranda: |
| Average total assets | $105,253,000 | 4,999 |
| Average earning assets | $88,317,500 | 5,227 |
| Average equity | $15,187,500 | 3,983 |
| Average total loans | $54,717,000 | 5,464 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.2337% | 1,157 |
| Cost of funding earning assets | 1.0271% | 7,157 |
| Net interest margin | 5.2066% | 286 |
| Noninterest income to average assets | 1.2266% | 1,008 |
| Noninterest expense to average assets | 4.3255% | 958 |
| Loan and lease loss provision to assets | 0.7586% | 2,834 |
| Net operating income to assets | 0.5115% | 3,683 |
| Return on assets (ROA) | 0.5819% | 3,474 |
| Pretax return on assets | 0.5819% | 3,957 |
| Return on Equity (ROE) | 4.0285% | 4,085 |
| Retained earnings to average equity (ytd only) | 0.6347% | 4,552 |
| Net charge-offs to loans | 0.5694% | 3,514 |
| Credit loss provision to net charge-offs | 266.4407% | 1,314 |
| Earnings coverage of net charge-offs (x) | 4.4610% | 2,946 |
| Efficiency ratio | 74.1635% | 3,863 |
| Assets per employee ($millions) | 2.3382% | 7,428 |
| Cash dividends to net income (ytd only)* | 84.2454% | 1,032 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.5926% | 1,124 |
| Loan loss allowance to noncurrent loans | 93.9678% | 2,980 |
| Noncurrent assets plus other real estate owned to assets | 1.6252% | 3,931 |
| Noncurrent loans to loans | 2.7591% | 2,799 |
| Net loans and leases to total assets | 51.1985% | 6,512 |
| Net loans and leases to deposits | 60.3326% | 6,609 |
| Net loans and leases to core deposits | 67.7915% | 6,890 |
| Total domestic deposits to total assets | 84.8603% | 3,615 |
| Equity capital to assets | 14.6323% | 992 |
| Core capital (leverage) ratio | 9.8065% | 3,316 |
| Tier 1 risk-based capital ratio | 15.4250% | 2,746 |
| Total risk-based capital ratio | 16.5528% | 2,756 |
| Memoranda: |
| Average total assets | $103,617,400 | 4,994 |
| Average earning assets | $86,946,600 | 5,232 |
| Average equity | $14,968,400 | 4,062 |
| Average total loans | $51,807,200 | 5,594 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.2543% | 1,231 |
| Cost of funding earning assets | 1.0832% | 7,212 |
| Net interest margin | 5.1711% | 314 |
| Noninterest income to average assets | 1.1997% | 1,069 |
| Noninterest expense to average assets | 4.4212% | 813 |
| Loan and lease loss provision to assets | 0.8156% | 2,332 |
| Net operating income to assets | 0.3044% | 4,776 |
| Return on assets (ROA) | 0.3853% | 4,560 |
| Pretax return on assets | 0.3853% | 4,837 |
| Return on Equity (ROE) | 2.6761% | 4,927 |
| Retained earnings to average equity (ytd only) | -0.5174% | 5,354 |
| Net charge-offs to loans | 0.3149% | 4,073 |
| Credit loss provision to net charge-offs | 524.7934% | 749 |
| Earnings coverage of net charge-offs (x) | 7.2066% | 2,449 |
| Efficiency ratio | 76.6110% | 3,398 |
| Assets per employee ($millions) | 2.1688% | 7,642 |
| Cash dividends to net income (ytd only)* | 119.3330% | 408 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.6247% | 944 |
| Loan loss allowance to noncurrent loans | 165.1712% | 1,765 |
| Noncurrent assets plus other real estate owned to assets | 1.0232% | 5,029 |
| Noncurrent loans to loans | 1.5891% | 4,255 |
| Net loans and leases to total assets | 50.9173% | 6,704 |
| Net loans and leases to deposits | 60.1184% | 6,824 |
| Net loans and leases to core deposits | 67.6600% | 7,086 |
| Total domestic deposits to total assets | 84.6950% | 3,379 |
| Equity capital to assets | 14.6193% | 1,112 |
| Core capital (leverage) ratio | 10.2146% | 3,053 |
| Tier 1 risk-based capital ratio | 15.6490% | 2,752 |
| Total risk-based capital ratio | 16.7386% | 2,771 |
| Memoranda: |
| Average total assets | $103,801,250 | 5,025 |
| Average earning assets | $87,148,500 | 5,261 |
| Average equity | $14,947,000 | 4,104 |
| Average total loans | $51,240,000 | 5,661 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.1190% | 1,728 |
| Cost of funding earning assets | 1.1600% | 7,218 |
| Net interest margin | 4.9590% | 475 |
| Noninterest income to average assets | 1.2392% | 1,005 |
| Noninterest expense to average assets | 4.3649% | 884 |
| Loan and lease loss provision to assets | 0.6378% | 2,516 |
| Net operating income to assets | 0.4041% | 4,498 |
| Return on assets (ROA) | 0.4597% | 4,371 |
| Pretax return on assets | 0.4597% | 4,750 |
| Return on Equity (ROE) | 3.2081% | 4,819 |
| Retained earnings to average equity (ytd only) | -1.5773% | 5,641 |
| Net charge-offs to loans | 0.3640% | 3,363 |
| Credit loss provision to net charge-offs | 361.9565% | 1,282 |
| Earnings coverage of net charge-offs (x) | 5.9130% | 2,730 |
| Efficiency ratio | 77.5062% | 3,418 |
| Assets per employee ($millions) | 2.2240% | 7,648 |
| Cash dividends to net income (ytd only)* | 149.1667% | 360 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1510% | 1,315 |
| Loan loss allowance to noncurrent loans | 110.3922% | 2,660 |
| Noncurrent assets plus other real estate owned to assets | 1.1327% | 4,686 |
| Noncurrent loans to loans | 1.9485% | 3,598 |
| Net loans and leases to total assets | 49.0036% | 6,959 |
| Net loans and leases to deposits | 57.4708% | 7,063 |
| Net loans and leases to core deposits | 63.9196% | 7,303 |
| Total domestic deposits to total assets | 85.2670% | 3,127 |
| Equity capital to assets | 14.1992% | 1,251 |
| Core capital (leverage) ratio | 9.8502% | 3,450 |
| Tier 1 risk-based capital ratio | 15.4323% | 2,843 |
| Total risk-based capital ratio | 16.7062% | 2,762 |
| Memoranda: |
| Average total assets | $104,423,670 | 5,034 |
| Average earning assets | $87,760,000 | 5,276 |
| Average equity | $14,962,000 | 4,119 |
| Average total loans | $50,553,000 | 5,745 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.1270% | 1,842 |
| Cost of funding earning assets | 1.2692% | 7,119 |
| Net interest margin | 4.8578% | 543 |
| Noninterest income to average assets | 1.2379% | 936 |
| Noninterest expense to average assets | 4.3575% | 815 |
| Loan and lease loss provision to assets | 0.3947% | 2,961 |
| Net operating income to assets | 0.5634% | 4,172 |
| Return on assets (ROA) | 0.6860% | 3,813 |
| Pretax return on assets | 0.6860% | 4,482 |
| Return on Equity (ROE) | 4.7663% | 4,569 |
| Retained earnings to average equity (ytd only) | 3.1953% | 4,095 |
| Net charge-offs to loans | 0.3786% | 2,578 |
| Credit loss provision to net charge-offs | 219.1489% | 2,064 |
| Earnings coverage of net charge-offs (x) | 5.3191% | 2,698 |
| Efficiency ratio | 78.6590% | 3,057 |
| Assets per employee ($millions) | 2.2804% | 7,618 |
| Cash dividends to net income (ytd only)* | 32.9609% | 2,247 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8126% | 1,820 |
| Loan loss allowance to noncurrent loans | 111.0849% | 2,787 |
| Noncurrent assets plus other real estate owned to assets | 0.9545% | 4,810 |
| Noncurrent loans to loans | 1.6317% | 3,828 |
| Net loans and leases to total assets | 47.6100% | 7,055 |
| Net loans and leases to deposits | 56.0041% | 7,159 |
| Net loans and leases to core deposits | 62.2979% | 7,377 |
| Total domestic deposits to total assets | 85.0117% | 3,198 |
| Equity capital to assets | 14.0692% | 1,345 |
| Core capital (leverage) ratio | 10.0963% | 3,293 |
| Tier 1 risk-based capital ratio | 15.9642% | 2,703 |
| Total risk-based capital ratio | 16.4836% | 2,908 |
| Memoranda: |
| Average total assets | $104,372,000 | 5,058 |
| Average earning assets | $87,612,000 | 5,299 |
| Average equity | $15,022,000 | 4,140 |
| Average total loans | $49,655,500 | 5,811 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 0.5626% | 8,281 |
| Cost of funding earning assets | 0.1168% | 8,259 |
| Net interest margin | 0.4458% | 8,270 |
| Noninterest income to average assets | 0.0971% | 7,647 |
| Noninterest expense to average assets | 0.3688% | 8,271 |
| Loan and lease loss provision to assets | 0.0076% | 7,273 |
| Net operating income to assets | 0.1080% | 6,091 |
| Return on assets (ROA) | 0.1080% | 5,930 |
| Pretax return on assets | 0.1080% | 5,922 |
| Return on Equity (ROE) | 0.9859% | 5,922 |
| Retained earnings to average equity (ytd only) | 0.9859% | 4,639 |
| Net charge-offs to loans | 0.0353% | 6,310 |
| Credit loss provision to net charge-offs | 43.7500% | 6,420 |
| Earnings coverage of net charge-offs (x) | 6.6250% | 3,312 |
| Efficiency ratio | 76.1261% | 3,218 |
| Assets per employee ($millions) | 2.1610% | 7,760 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8715% | 1,483 |
| Loan loss allowance to noncurrent loans | 84.9473% | 3,965 |
| Noncurrent assets plus other real estate owned to assets | 1.0269% | 4,255 |
| Noncurrent loans to loans | 2.2031% | 2,506 |
| Net loans and leases to total assets | 45.7393% | 7,352 |
| Net loans and leases to deposits | 54.2292% | 7,426 |
| Net loans and leases to core deposits | 60.2269% | 7,579 |
| Total domestic deposits to total assets | 84.3443% | 3,155 |
| Equity capital to assets | 14.7341% | 1,238 |
| Core capital (leverage) ratio | 10.7701% | 2,767 |
| Tier 1 risk-based capital ratio | 16.1344% | 2,612 |
| Total risk-based capital ratio | 17.3886% | 2,547 |
| Memoranda: |
| Average total assets | $91,641,200 | 5,301 |
| Average earning assets | $79,636,600 | 5,444 |
| Average equity | $10,041,200 | 5,396 |
| Average total loans | $45,262,400 | 5,919 |
