| 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 | 4.5100% | 1,833 |
| Cost of funding earning assets | 0.2279% | 5,611 |
| Net interest margin | 4.2821% | 1,088 |
| Noninterest income to average assets | 0.4037% | 4,219 |
| Noninterest expense to average assets | 3.3426% | 1,805 |
| Loan and lease loss provision to assets | 0.1026% | 2,322 |
| Net operating income to assets | 0.2294% | 5,784 |
| Return on assets (ROA) | 0.4660% | 5,088 |
| Pretax return on assets | 0.6866% | 4,744 |
| Return on Equity (ROE) | 2.2280% | 5,783 |
| Retained earnings to average equity (ytd only) | 1.2795% | 5,384 |
| Net charge-offs to loans | 0.5086% | 757 |
| Credit loss provision to net charge-offs | 36.1791% | 3,347 |
| Earnings coverage of net charge-offs (x) | 1.5563% | 4,130 |
| Efficiency ratio | 82.3058% | 1,574 |
| Assets per employee ($millions) | 5.6183% | 1,621 |
| Cash dividends to net income (ytd only)* | 42.5713% | 2,226 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3791% | 3,270 |
| Loan loss allowance to noncurrent loans | 127.8825% | 3,085 |
| Noncurrent assets plus other real estate owned to assets | 1.0587% | 2,844 |
| Noncurrent loans to loans | 1.0784% | 2,917 |
| Net loans and leases to total assets | 54.9530% | 4,467 |
| Net loans and leases to deposits | 72.2753% | 3,659 |
| Net loans and leases to core deposits | 74.4423% | 3,904 |
| Total domestic deposits to total assets | 76.0330% | 5,811 |
| Equity capital to assets | 20.7774% | 200 |
| Core capital (leverage) ratio | 11.0603% | 2,425 |
| Tier 1 risk-based capital ratio | 16.2335% | 2,938 |
| Total risk-based capital ratio | 17.4835% | 2,890 |
| Memoranda: |
| Average total assets | $672,117,500 | 1,005 |
| Average earning assets | $530,538,250 | 1,151 |
| Average equity | $140,573,750 | 521 |
| Average total loans | $374,592,000 | 1,189 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5239% | 1,754 |
| Cost of funding earning assets | 0.2279% | 5,678 |
| Net interest margin | 4.2960% | 1,033 |
| Noninterest income to average assets | 0.4095% | 4,175 |
| Noninterest expense to average assets | 2.8963% | 3,176 |
| Loan and lease loss provision to assets | 0.1084% | 2,205 |
| Net operating income to assets | 0.5168% | 4,739 |
| Return on assets (ROA) | 0.5186% | 4,828 |
| Pretax return on assets | 0.7802% | 4,350 |
| Return on Equity (ROE) | 2.4738% | 5,704 |
| Retained earnings to average equity (ytd only) | 2.4738% | 4,631 |
| Net charge-offs to loans | 0.5086% | 798 |
| Credit loss provision to net charge-offs | 38.2508% | 2,949 |
| Earnings coverage of net charge-offs (x) | 3.1254% | 3,385 |
| Efficiency ratio | 70.2180% | 3,623 |
| Assets per employee ($millions) | 5.3123% | 1,868 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4575% | 3,085 |
| Loan loss allowance to noncurrent loans | 147.9211% | 2,757 |
| Noncurrent assets plus other real estate owned to assets | 1.0657% | 2,939 |
| Noncurrent loans to loans | 0.9853% | 3,261 |
| Net loans and leases to total assets | 54.7562% | 4,443 |
| Net loans and leases to deposits | 72.5932% | 3,489 |
| Net loans and leases to core deposits | 75.0835% | 3,727 |
| Total domestic deposits to total assets | 75.4288% | 5,977 |
| Equity capital to assets | 20.7243% | 190 |
| Core capital (leverage) ratio | 11.2251% | 2,224 |
| Tier 1 risk-based capital ratio | 15.6482% | 3,271 |
| Total risk-based capital ratio | 16.8989% | 3,214 |
| Memoranda: |
| Average total assets | $669,551,000 | 1,010 |
| Average earning assets | $525,648,330 | 1,162 |
| Average equity | $140,349,000 | 520 |
| Average total loans | $373,188,000 | 1,182 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4850% | 1,856 |
| Cost of funding earning assets | 0.2297% | 5,756 |
| Net interest margin | 4.2552% | 1,087 |
| Noninterest income to average assets | 0.4250% | 3,987 |
| Noninterest expense to average assets | 2.9924% | 2,880 |
| Loan and lease loss provision to assets | 0.0804% | 2,542 |
| Net operating income to assets | 0.4757% | 4,807 |
| Return on assets (ROA) | 0.4794% | 4,867 |
| Pretax return on assets | 0.7170% | 4,429 |
| Return on Equity (ROE) | 2.2736% | 5,719 |
| Retained earnings to average equity (ytd only) | 2.2736% | 4,694 |
| Net charge-offs to loans | 0.6118% | 607 |
| Credit loss provision to net charge-offs | 23.5398% | 2,467 |
| Earnings coverage of net charge-offs (x) | 2.3186% | 2,906 |
| Efficiency ratio | 72.2045% | 3,449 |
| Assets per employee ($millions) | 4.8973% | 2,378 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5337% | 3,003 |
| Loan loss allowance to noncurrent loans | 113.1297% | 3,333 |
| Noncurrent assets plus other real estate owned to assets | 1.5745% | 2,242 |
| Noncurrent loans to loans | 1.3557% | 2,772 |
| Net loans and leases to total assets | 54.5805% | 4,338 |
| Net loans and leases to deposits | 72.1142% | 3,325 |
| Net loans and leases to core deposits | 74.5312% | 3,584 |
| Total domestic deposits to total assets | 75.6862% | 6,103 |
| Equity capital to assets | 20.9172% | 176 |
| Core capital (leverage) ratio | 11.3854% | 2,063 |
| Tier 1 risk-based capital ratio | 15.6973% | 3,334 |
| Total risk-based capital ratio | 16.9489% | 3,292 |
| Memoranda: |
| Average total assets | $661,685,000 | 1,029 |
| Average earning assets | $522,368,500 | 1,174 |
| Average equity | $139,513,500 | 524 |
| Average total loans | $369,389,500 | 1,198 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3403% | 2,807 |
| Cost of funding earning assets | 0.2512% | 5,955 |
| Net interest margin | 4.0891% | 1,677 |
| Noninterest income to average assets | 0.6086% | 3,033 |
| Noninterest expense to average assets | 2.9976% | 3,064 |
| Loan and lease loss provision to assets | 0.2159% | 1,694 |
| Net operating income to assets | 0.4956% | 4,752 |
| Return on assets (ROA) | 0.5017% | 4,861 |
| Pretax return on assets | 0.6301% | 4,773 |
| Return on Equity (ROE) | 2.4210% | 5,699 |
| Retained earnings to average equity (ytd only) | 2.4210% | 4,526 |
| Net charge-offs to loans | 0.3567% | 1,892 |
| Credit loss provision to net charge-offs | 113.7084% | 2,124 |
| Earnings coverage of net charge-offs (x) | 4.4152% | 3,572 |
| Efficiency ratio | 70.4122% | 3,769 |
| Assets per employee ($millions) | 4.7278% | 2,544 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6725% | 2,492 |
| Loan loss allowance to noncurrent loans | 129.1518% | 3,002 |
| Noncurrent assets plus other real estate owned to assets | 1.4846% | 2,505 |
| Noncurrent loans to loans | 1.2950% | 2,968 |
| Net loans and leases to total assets | 55.2913% | 4,420 |
| Net loans and leases to deposits | 73.2419% | 3,366 |
| Net loans and leases to core deposits | 75.6733% | 3,649 |
| Total domestic deposits to total assets | 75.4913% | 6,143 |
| Equity capital to assets | 21.2567% | 162 |
| Core capital (leverage) ratio | 10.9276% | 2,453 |
| Tier 1 risk-based capital ratio | 15.7827% | 3,207 |
| Total risk-based capital ratio | 17.0358% | 3,164 |
| Memoranda: |
| Average total assets | $664,691,800 | 1,004 |
| Average earning assets | $524,612,600 | 1,153 |
| Average equity | $137,753,400 | 528 |
| Average total loans | $353,827,000 | 1,211 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2872% | 3,052 |
| Cost of funding earning assets | 0.2546% | 6,051 |
| Net interest margin | 4.0326% | 1,835 |
| Noninterest income to average assets | 0.5982% | 3,155 |
| Noninterest expense to average assets | 2.9577% | 3,117 |
| Loan and lease loss provision to assets | 0.2656% | 1,333 |
| Net operating income to assets | 0.4732% | 4,918 |
| Return on assets (ROA) | 0.4820% | 5,039 |
| Pretax return on assets | 0.5577% | 5,176 |
| Return on Equity (ROE) | 2.3404% | 5,839 |
| Retained earnings to average equity (ytd only) | 2.3404% | 4,924 |
| Net charge-offs to loans | 0.4149% | 1,551 |
| Credit loss provision to net charge-offs | 121.9065% | 1,933 |
| Earnings coverage of net charge-offs (x) | 3.7324% | 3,620 |
| Efficiency ratio | 70.4580% | 3,681 |
| Assets per employee ($millions) | 5.0554% | 2,099 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7292% | 2,522 |
| Loan loss allowance to noncurrent loans | 116.4258% | 3,098 |
| Noncurrent assets plus other real estate owned to assets | 1.7477% | 2,348 |
| Noncurrent loans to loans | 1.4852% | 2,939 |
| Net loans and leases to total assets | 52.8184% | 4,774 |
| Net loans and leases to deposits | 69.8174% | 3,812 |
| Net loans and leases to core deposits | 71.9257% | 4,103 |
| Total domestic deposits to total assets | 75.6522% | 6,208 |
| Equity capital to assets | 20.7005% | 184 |
| Core capital (leverage) ratio | 10.7988% | 2,670 |
| Tier 1 risk-based capital ratio | 15.5979% | 3,410 |
| Total risk-based capital ratio | 16.8515% | 3,371 |
| Memoranda: |
| Average total assets | $667,756,250 | 1,003 |
| Average earning assets | $525,334,250 | 1,165 |
| Average equity | $137,520,250 | 532 |
| Average total loans | $350,565,000 | 1,216 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2091% | 3,330 |
| Cost of funding earning assets | 0.2565% | 6,128 |
| Net interest margin | 3.9526% | 2,037 |
| Noninterest income to average assets | 0.5639% | 3,416 |
| Noninterest expense to average assets | 2.9319% | 3,233 |
| Loan and lease loss provision to assets | 0.3396% | 997 |
| Net operating income to assets | 0.2958% | 5,616 |
| Return on assets (ROA) | 0.3060% | 5,738 |
| Pretax return on assets | 0.4546% | 5,507 |
| Return on Equity (ROE) | 1.4886% | 6,095 |
| Retained earnings to average equity (ytd only) | 1.4886% | 5,273 |
| Net charge-offs to loans | 0.7641% | 832 |
| Credit loss provision to net charge-offs | 85.3273% | 2,534 |
| Earnings coverage of net charge-offs (x) | 1.9571% | 3,866 |
| Efficiency ratio | 70.6020% | 3,712 |
| Assets per employee ($millions) | 5.0919% | 2,002 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6121% | 3,106 |
| Loan loss allowance to noncurrent loans | 64.6492% | 4,598 |
| Noncurrent assets plus other real estate owned to assets | 2.2496% | 1,922 |
| Noncurrent loans to loans | 2.4937% | 1,861 |
| Net loans and leases to total assets | 52.3733% | 4,806 |
| Net loans and leases to deposits | 68.9395% | 3,867 |
| Net loans and leases to core deposits | 71.0470% | 4,162 |
| Total domestic deposits to total assets | 75.9699% | 6,250 |
| Equity capital to assets | 20.3556% | 189 |
| Core capital (leverage) ratio | 10.4378% | 2,952 |
| Tier 1 risk-based capital ratio | 15.0819% | 3,723 |
| Total risk-based capital ratio | 16.3290% | 3,691 |
| Memoranda: |
| Average total assets | $667,902,670 | 999 |
| Average earning assets | $531,755,330 | 1,153 |
| Average equity | $137,314,330 | 533 |
| Average total loans | $347,864,000 | 1,218 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0942% | 3,751 |
| Cost of funding earning assets | 0.2571% | 6,237 |
| Net interest margin | 3.8371% | 2,328 |
| Noninterest income to average assets | 0.4085% | 4,398 |
| Noninterest expense to average assets | 2.9517% | 3,151 |
| Loan and lease loss provision to assets | 0.2007% | 1,854 |
| Net operating income to assets | 0.2485% | 5,732 |
| Return on assets (ROA) | 0.2686% | 5,787 |
| Pretax return on assets | 0.3965% | 5,567 |
| Return on Equity (ROE) | 1.2998% | 6,146 |
| Retained earnings to average equity (ytd only) | 1.2998% | 5,330 |
| Net charge-offs to loans | 0.8469% | 714 |
| Credit loss provision to net charge-offs | 46.0055% | 2,662 |
| Earnings coverage of net charge-offs (x) | 1.3017% | 3,398 |
| Efficiency ratio | 74.4964% | 3,175 |
| Assets per employee ($millions) | 5.1086% | 2,086 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6132% | 3,340 |
| Loan loss allowance to noncurrent loans | 51.1429% | 5,116 |
| Noncurrent assets plus other real estate owned to assets | 2.5815% | 1,775 |
| Noncurrent loans to loans | 3.1544% | 1,567 |
| Net loans and leases to total assets | 50.7684% | 4,885 |
| Net loans and leases to deposits | 66.7827% | 3,939 |
| Net loans and leases to core deposits | 68.9715% | 4,185 |
| Total domestic deposits to total assets | 76.0203% | 6,364 |
| Equity capital to assets | 20.6034% | 195 |
| Core capital (leverage) ratio | 10.3570% | 2,957 |
| Tier 1 risk-based capital ratio | 15.4017% | 3,593 |
| Total risk-based capital ratio | 16.6539% | 3,549 |
| Memoranda: |
| Average total assets | $665,789,500 | 1,012 |
| Average earning assets | $539,786,000 | 1,147 |
| Average equity | $137,563,500 | 541 |
| Average total loans | $342,904,000 | 1,238 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6274% | 2,891 |
| Cost of funding earning assets | 0.4992% | 5,225 |
| Net interest margin | 4.1282% | 1,891 |
| Noninterest income to average assets | 0.3788% | 4,761 |
| Noninterest expense to average assets | 3.4063% | 2,028 |
| Loan and lease loss provision to assets | 0.2608% | 2,559 |
| Net operating income to assets | 0.0062% | 6,154 |
| Return on assets (ROA) | 0.2200% | 5,920 |
| Pretax return on assets | 0.3059% | 5,809 |
| Return on Equity (ROE) | 1.0973% | 6,114 |
| Retained earnings to average equity (ytd only) | 1.0973% | 5,322 |
| Net charge-offs to loans | 0.6890% | 1,714 |
| Credit loss provision to net charge-offs | 78.0520% | 3,889 |
| Earnings coverage of net charge-offs (x) | 0.8070% | 5,066 |
| Efficiency ratio | 82.0385% | 1,861 |
| Assets per employee ($millions) | 4.7651% | 2,552 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7514% | 2,756 |
| Loan loss allowance to noncurrent loans | 48.1275% | 5,226 |
| Noncurrent assets plus other real estate owned to assets | 2.6399% | 1,839 |
| Noncurrent loans to loans | 3.6390% | 1,346 |
| Net loans and leases to total assets | 50.5046% | 5,101 |
| Net loans and leases to deposits | 66.6770% | 4,182 |
| Net loans and leases to core deposits | 69.1804% | 4,411 |
| Total domestic deposits to total assets | 75.7452% | 6,386 |
| Equity capital to assets | 20.7206% | 196 |
| Core capital (leverage) ratio | 9.6746% | 3,854 |
| Tier 1 risk-based capital ratio | 15.3379% | 3,519 |
| Total risk-based capital ratio | 16.5912% | 3,472 |
| Memoranda: |
| Average total assets | $678,984,800 | 963 |
| Average earning assets | $542,295,200 | 1,114 |
| Average equity | $136,153,200 | 533 |
| Average total loans | $329,318,800 | 1,278 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5990% | 3,203 |
| Cost of funding earning assets | 0.5360% | 5,202 |
| Net interest margin | 4.0630% | 2,242 |
| Noninterest income to average assets | 0.3417% | 5,076 |
| Noninterest expense to average assets | 3.2012% | 2,561 |
| Loan and lease loss provision to assets | 0.1926% | 3,175 |
| Net operating income to assets | 0.1315% | 6,066 |
| Return on assets (ROA) | 0.2453% | 5,986 |
| Pretax return on assets | 0.3417% | 5,866 |
| Return on Equity (ROE) | 1.2334% | 6,210 |
| Retained earnings to average equity (ytd only) | 1.2334% | 5,684 |
| Net charge-offs to loans | 0.4353% | 2,359 |
| Credit loss provision to net charge-offs | 92.5891% | 3,218 |
| Earnings coverage of net charge-offs (x) | 1.8086% | 4,360 |
| Efficiency ratio | 78.4779% | 2,321 |
| Assets per employee ($millions) | 5.3108% | 1,822 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8972% | 2,488 |
| Loan loss allowance to noncurrent loans | 53.3791% | 4,963 |
| Noncurrent assets plus other real estate owned to assets | 2.2587% | 2,361 |
| Noncurrent loans to loans | 3.5542% | 1,524 |
| Net loans and leases to total assets | 45.6906% | 5,796 |
| Net loans and leases to deposits | 62.9366% | 4,852 |
| Net loans and leases to core deposits | 65.6168% | 4,992 |
| Total domestic deposits to total assets | 72.5978% | 6,707 |
| Equity capital to assets | 19.0729% | 293 |
| Core capital (leverage) ratio | 9.2462% | 4,683 |
| Tier 1 risk-based capital ratio | 15.0500% | 3,811 |
| Total risk-based capital ratio | 16.3049% | 3,763 |
| Memoranda: |
| Average total assets | $683,144,500 | 966 |
| Average earning assets | $544,045,250 | 1,124 |
| Average equity | $135,881,000 | 536 |
| Average total loans | $326,529,000 | 1,303 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8013% | 2,501 |
| Cost of funding earning assets | 0.5605% | 5,223 |
| Net interest margin | 4.2407% | 1,635 |
| Noninterest income to average assets | 0.3399% | 5,110 |
| Noninterest expense to average assets | 3.4132% | 1,999 |
| Loan and lease loss provision to assets | 0.2382% | 2,689 |
| Net operating income to assets | 0.0381% | 6,275 |
| Return on assets (ROA) | 0.2170% | 6,054 |
| Pretax return on assets | 0.2925% | 5,980 |
| Return on Equity (ROE) | 1.0750% | 6,287 |
| Retained earnings to average equity (ytd only) | 1.0750% | 5,645 |
| Net charge-offs to loans | 0.5482% | 1,945 |
| Credit loss provision to net charge-offs | 90.0677% | 3,048 |
| Earnings coverage of net charge-offs (x) | 1.0926% | 4,472 |
| Efficiency ratio | 81.0545% | 2,019 |
| Assets per employee ($millions) | 5.0690% | 2,076 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8958% | 2,573 |
| Loan loss allowance to noncurrent loans | 63.9025% | 4,461 |
| Noncurrent assets plus other real estate owned to assets | 2.3944% | 2,335 |
| Noncurrent loans to loans | 2.9666% | 2,010 |
| Net loans and leases to total assets | 47.1465% | 5,700 |
| Net loans and leases to deposits | 65.6119% | 4,553 |
| Net loans and leases to core deposits | 68.6368% | 4,712 |
| Total domestic deposits to total assets | 71.8566% | 6,807 |
| Equity capital to assets | 19.5666% | 251 |
| Core capital (leverage) ratio | 9.2613% | 4,513 |
| Tier 1 risk-based capital ratio | 15.1280% | 3,679 |
| Total risk-based capital ratio | 16.3824% | 3,648 |
| Memoranda: |
| Average total assets | $670,101,000 | 984 |
| Average earning assets | $531,275,330 | 1,154 |
| Average equity | $135,255,000 | 534 |
| Average total loans | $323,240,670 | 1,317 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8086% | 2,604 |
| Cost of funding earning assets | 0.5945% | 5,178 |
| Net interest margin | 4.2141% | 1,721 |
| Noninterest income to average assets | 0.2466% | 5,876 |
| Noninterest expense to average assets | 3.6229% | 1,518 |
| Loan and lease loss provision to assets | 0.2234% | 2,714 |
| Net operating income to assets | -0.2804% | 6,693 |
| Return on assets (ROA) | 0.0977% | 6,367 |
| Pretax return on assets | 0.1001% | 6,384 |
| Return on Equity (ROE) | 0.4760% | 6,449 |
| Retained earnings to average equity (ytd only) | 0.4760% | 5,847 |
| Net charge-offs to loans | 0.5973% | 1,597 |
| Credit loss provision to net charge-offs | 77.3784% | 2,777 |
| Earnings coverage of net charge-offs (x) | -0.2156% | 4,442 |
| Efficiency ratio | 91.7381% | 960 |
| Assets per employee ($millions) | 5.1290% | 2,083 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8828% | 2,731 |
| Loan loss allowance to noncurrent loans | 69.3592% | 4,065 |
| Noncurrent assets plus other real estate owned to assets | 2.3640% | 2,517 |
| Noncurrent loans to loans | 2.7146% | 2,406 |
| Net loans and leases to total assets | 47.1232% | 5,666 |
| Net loans and leases to deposits | 65.4363% | 4,441 |
| Net loans and leases to core deposits | 69.0094% | 4,560 |
| Total domestic deposits to total assets | 72.0139% | 6,876 |
| Equity capital to assets | 19.4057% | 250 |
| Core capital (leverage) ratio | 9.4342% | 4,146 |
| Tier 1 risk-based capital ratio | 14.5187% | 4,092 |
| Total risk-based capital ratio | 15.7733% | 4,041 |
| Memoranda: |
| Average total assets | $655,391,500 | 1,007 |
| Average earning assets | $515,413,000 | 1,192 |
| Average equity | $134,446,500 | 535 |
| Average total loans | $316,775,000 | 1,339 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8471% | 3,597 |
| Cost of funding earning assets | 0.6994% | 5,545 |
| Net interest margin | 4.1477% | 2,237 |
| Noninterest income to average assets | 0.3355% | 5,134 |
| Noninterest expense to average assets | 3.1296% | 3,096 |
| Loan and lease loss provision to assets | 0.3388% | 2,985 |
| Net operating income to assets | 0.1154% | 5,830 |
| Return on assets (ROA) | 0.1148% | 5,957 |
| Pretax return on assets | 0.1046% | 5,964 |
| Return on Equity (ROE) | 0.5317% | 6,053 |
| Retained earnings to average equity (ytd only) | 0.5317% | 5,597 |
| Net charge-offs to loans | 1.3165% | 1,252 |
| Credit loss provision to net charge-offs | 52.6235% | 5,358 |
| Earnings coverage of net charge-offs (x) | 0.6898% | 5,297 |
| Efficiency ratio | 76.6439% | 2,806 |
| Assets per employee ($millions) | 5.0257% | 2,160 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1822% | 1,829 |
| Loan loss allowance to noncurrent loans | 92.9373% | 3,239 |
| Noncurrent assets plus other real estate owned to assets | 2.3844% | 2,542 |
| Noncurrent loans to loans | 2.3480% | 2,795 |
| Net loans and leases to total assets | 47.6251% | 5,863 |
| Net loans and leases to deposits | 69.6322% | 4,164 |
| Net loans and leases to core deposits | 73.9291% | 4,250 |
| Total domestic deposits to total assets | 68.3952% | 7,058 |
| Equity capital to assets | 21.7944% | 160 |
| Core capital (leverage) ratio | 10.4745% | 2,759 |
| Tier 1 risk-based capital ratio | 15.8829% | 3,105 |
| Total risk-based capital ratio | 17.1398% | 3,063 |
| Memoranda: |
| Average total assets | $609,825,200 | 1,072 |
| Average earning assets | $476,095,000 | 1,285 |
| Average equity | $131,661,200 | 528 |
| Average total loans | $298,221,200 | 1,428 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8566% | 3,749 |
| Cost of funding earning assets | 0.7163% | 5,671 |
| Net interest margin | 4.1403% | 2,306 |
| Noninterest income to average assets | 0.3574% | 5,006 |
| Noninterest expense to average assets | 3.1092% | 3,121 |
| Loan and lease loss provision to assets | 0.3367% | 2,863 |
| Net operating income to assets | 0.1411% | 5,860 |
| Return on assets (ROA) | 0.1403% | 5,988 |
| Pretax return on assets | 0.1475% | 6,006 |
| Return on Equity (ROE) | 0.6512% | 6,143 |
| Retained earnings to average equity (ytd only) | 0.6512% | 5,755 |
| Net charge-offs to loans | 1.5107% | 959 |
| Credit loss provision to net charge-offs | 45.5244% | 5,128 |
| Earnings coverage of net charge-offs (x) | 0.6558% | 5,133 |
| Efficiency ratio | 75.4726% | 2,924 |
| Assets per employee ($millions) | 5.0810% | 2,093 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2043% | 1,850 |
| Loan loss allowance to noncurrent loans | 91.5089% | 3,188 |
| Noncurrent assets plus other real estate owned to assets | 2.8105% | 2,311 |
| Noncurrent loans to loans | 2.4088% | 2,875 |
| Net loans and leases to total assets | 46.7408% | 6,077 |
| Net loans and leases to deposits | 67.8701% | 4,633 |
| Net loans and leases to core deposits | 72.7018% | 4,620 |
| Total domestic deposits to total assets | 68.8681% | 7,100 |
| Equity capital to assets | 21.5450% | 182 |
| Core capital (leverage) ratio | 10.3497% | 3,037 |
| Tier 1 risk-based capital ratio | 16.0919% | 3,070 |
| Total risk-based capital ratio | 17.3494% | 3,032 |
| Memoranda: |
| Average total assets | $610,253,000 | 1,077 |
| Average earning assets | $477,087,250 | 1,283 |
| Average equity | $131,442,750 | 536 |
| Average total loans | $298,757,500 | 1,436 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8749% | 3,736 |
| Cost of funding earning assets | 0.7267% | 5,795 |
| Net interest margin | 4.1481% | 2,236 |
| Noninterest income to average assets | 0.3598% | 5,005 |
| Noninterest expense to average assets | 3.1932% | 2,927 |
| Loan and lease loss provision to assets | 0.3207% | 2,862 |
| Net operating income to assets | 0.1084% | 5,994 |
| Return on assets (ROA) | 0.1071% | 6,081 |
| Pretax return on assets | 0.0927% | 6,112 |
| Return on Equity (ROE) | 0.4973% | 6,193 |
| Retained earnings to average equity (ytd only) | 0.4973% | 5,654 |
| Net charge-offs to loans | 1.0187% | 1,549 |
| Credit loss provision to net charge-offs | 63.7908% | 4,243 |
| Earnings coverage of net charge-offs (x) | 0.8248% | 4,684 |
| Efficiency ratio | 77.1514% | 2,834 |
| Assets per employee ($millions) | 5.0593% | 2,041 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.6029% | 1,312 |
| Loan loss allowance to noncurrent loans | 80.2293% | 3,510 |
| Noncurrent assets plus other real estate owned to assets | 3.1113% | 2,156 |
| Noncurrent loans to loans | 3.2444% | 2,198 |
| Net loans and leases to total assets | 47.0852% | 6,145 |
| Net loans and leases to deposits | 68.7944% | 4,588 |
| Net loans and leases to core deposits | 73.7669% | 4,605 |
| Total domestic deposits to total assets | 68.4434% | 7,170 |
| Equity capital to assets | 21.3572% | 198 |
| Core capital (leverage) ratio | 10.2317% | 3,000 |
| Tier 1 risk-based capital ratio | 15.5989% | 3,185 |
| Total risk-based capital ratio | 16.8604% | 3,136 |
| Memoranda: |
| Average total assets | $608,736,330 | 1,087 |
| Average earning assets | $476,648,330 | 1,291 |
| Average equity | $131,104,000 | 537 |
| Average total loans | $300,396,330 | 1,445 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8673% | 3,734 |
| Cost of funding earning assets | 0.7502% | 5,859 |
| Net interest margin | 4.1171% | 2,203 |
| Noninterest income to average assets | 0.4175% | 4,565 |
| Noninterest expense to average assets | 3.2179% | 2,828 |
| Loan and lease loss provision to assets | 0.3997% | 2,196 |
| Net operating income to assets | 0.0635% | 6,201 |
| Return on assets (ROA) | 0.0635% | 6,245 |
| Pretax return on assets | 0.0212% | 6,322 |
| Return on Equity (ROE) | 0.2937% | 6,311 |
| Retained earnings to average equity (ytd only) | 0.2937% | 5,691 |
| Net charge-offs to loans | 1.8408% | 703 |
| Credit loss provision to net charge-offs | 43.5472% | 3,882 |
| Earnings coverage of net charge-offs (x) | 0.4585% | 4,275 |
| Efficiency ratio | 76.5957% | 3,052 |
| Assets per employee ($millions) | 4.8695% | 2,327 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.5231% | 1,428 |
| Loan loss allowance to noncurrent loans | 116.1991% | 2,495 |
| Noncurrent assets plus other real estate owned to assets | 2.7728% | 2,493 |
| Noncurrent loans to loans | 2.1714% | 3,353 |
| Net loans and leases to total assets | 47.8502% | 6,094 |
| Net loans and leases to deposits | 69.7764% | 4,376 |
| Net loans and leases to core deposits | 75.5876% | 4,351 |
| Total domestic deposits to total assets | 68.5765% | 7,248 |
| Equity capital to assets | 21.4897% | 183 |
| Core capital (leverage) ratio | 10.2683% | 2,844 |
| Tier 1 risk-based capital ratio | 15.4225% | 3,196 |
| Total risk-based capital ratio | 16.6833% | 3,145 |
| Memoranda: |
| Average total assets | $604,487,500 | 1,108 |
| Average earning assets | $472,953,000 | 1,306 |
| Average equity | $130,744,000 | 533 |
| Average total loans | $301,398,000 | 1,453 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3183% | 3,037 |
| Cost of funding earning assets | 0.9702% | 5,839 |
| Net interest margin | 4.3481% | 1,654 |
| Noninterest income to average assets | 0.2303% | 6,155 |
| Noninterest expense to average assets | 3.2704% | 2,831 |
| Loan and lease loss provision to assets | 0.7897% | 2,070 |
| Net operating income to assets | -0.2224% | 6,136 |
| Return on assets (ROA) | -0.1704% | 6,133 |
| Pretax return on assets | -0.3535% | 6,202 |
| Return on Equity (ROE) | -0.7875% | 6,046 |
| Retained earnings to average equity (ytd only) | -0.7875% | 5,766 |
| Net charge-offs to loans | 1.5085% | 1,460 |
| Credit loss provision to net charge-offs | 99.5840% | 4,645 |
| Earnings coverage of net charge-offs (x) | 0.4476% | 5,663 |
| Efficiency ratio | 77.5523% | 2,779 |
| Assets per employee ($millions) | 4.7266% | 2,527 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.7372% | 1,131 |
| Loan loss allowance to noncurrent loans | 161.5414% | 1,852 |
| Noncurrent assets plus other real estate owned to assets | 2.6081% | 2,670 |
| Noncurrent loans to loans | 1.6944% | 3,966 |
| Net loans and leases to total assets | 49.2560% | 6,248 |
| Net loans and leases to deposits | 72.2052% | 4,485 |
| Net loans and leases to core deposits | 79.8641% | 4,235 |
| Total domestic deposits to total assets | 68.2167% | 7,315 |
| Equity capital to assets | 21.7700% | 188 |
| Core capital (leverage) ratio | 10.1725% | 2,898 |
| Tier 1 risk-based capital ratio | 15.2171% | 3,143 |
| Total risk-based capital ratio | 16.4808% | 3,087 |
| Memoranda: |
| Average total assets | $606,279,600 | 1,103 |
| Average earning assets | $473,406,600 | 1,294 |
| Average equity | $131,179,400 | 521 |
| Average total loans | $318,718,000 | 1,409 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3841% | 2,953 |
| Cost of funding earning assets | 1.0097% | 5,894 |
| Net interest margin | 4.3744% | 1,604 |
| Noninterest income to average assets | 0.1283% | 6,915 |
| Noninterest expense to average assets | 3.2978% | 2,581 |
| Loan and lease loss provision to assets | 0.9284% | 1,620 |
| Net operating income to assets | -0.3800% | 6,500 |
| Return on assets (ROA) | -0.3238% | 6,500 |
| Pretax return on assets | -0.5965% | 6,611 |
| Return on Equity (ROE) | -1.4988% | 6,340 |
| Retained earnings to average equity (ytd only) | -1.4988% | 6,098 |
| Net charge-offs to loans | 1.3858% | 1,468 |
| Credit loss provision to net charge-offs | 126.2907% | 3,234 |
| Earnings coverage of net charge-offs (x) | 0.3321% | 5,695 |
| Efficiency ratio | 80.0136% | 2,333 |
| Assets per employee ($millions) | 4.7678% | 2,498 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.9622% | 851 |
| Loan loss allowance to noncurrent loans | 145.4345% | 1,947 |
| Noncurrent assets plus other real estate owned to assets | 2.8330% | 2,561 |
| Noncurrent loans to loans | 2.0368% | 3,636 |
| Net loans and leases to total assets | 49.8925% | 6,335 |
| Net loans and leases to deposits | 72.6426% | 4,747 |
| Net loans and leases to core deposits | 80.2339% | 4,486 |
| Total domestic deposits to total assets | 68.6822% | 7,346 |
| Equity capital to assets | 21.5672% | 209 |
| Core capital (leverage) ratio | 10.1011% | 3,147 |
| Tier 1 risk-based capital ratio | 14.5418% | 3,490 |
| Total risk-based capital ratio | 15.8088% | 3,447 |
| Memoranda: |
| Average total assets | $607,778,500 | 1,105 |
| Average earning assets | $474,297,000 | 1,305 |
| Average equity | $131,303,750 | 510 |
| Average total loans | $322,398,250 | 1,407 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3993% | 2,983 |
| Cost of funding earning assets | 1.0505% | 5,913 |
| Net interest margin | 4.3488% | 1,595 |
| Noninterest income to average assets | -0.0122% | 7,552 |
| Noninterest expense to average assets | 3.3155% | 2,515 |
| Loan and lease loss provision to assets | 1.1907% | 1,178 |
| Net operating income to assets | -0.6546% | 6,785 |
| Return on assets (ROA) | -0.5880% | 6,762 |
| Pretax return on assets | -1.0142% | 6,896 |
| Return on Equity (ROE) | -2.7201% | 6,488 |
| Retained earnings to average equity (ytd only) | -2.7201% | 6,255 |
| Net charge-offs to loans | 1.5143% | 1,263 |
| Credit loss provision to net charge-offs | 146.7396% | 2,691 |
| Earnings coverage of net charge-offs (x) | 0.0891% | 5,637 |
| Efficiency ratio | 83.8281% | 1,938 |
| Assets per employee ($millions) | 4.8676% | 2,346 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.9557% | 857 |
| Loan loss allowance to noncurrent loans | 101.6160% | 2,712 |
| Noncurrent assets plus other real estate owned to assets | 2.9552% | 2,417 |
| Noncurrent loans to loans | 2.9087% | 2,748 |
| Net loans and leases to total assets | 51.2354% | 6,284 |
| Net loans and leases to deposits | 74.8695% | 4,533 |
| Net loans and leases to core deposits | 81.9926% | 4,417 |
| Total domestic deposits to total assets | 68.4329% | 7,410 |
| Equity capital to assets | 21.4440% | 224 |
| Core capital (leverage) ratio | 9.7835% | 3,428 |
| Tier 1 risk-based capital ratio | 13.9490% | 3,770 |
| Total risk-based capital ratio | 15.2148% | 3,716 |
| Memoranda: |
| Average total assets | $608,535,330 | 1,110 |
| Average earning assets | $475,764,670 | 1,306 |
| Average equity | $131,541,330 | 508 |
| Average total loans | $326,089,330 | 1,404 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2897% | 3,593 |
| Cost of funding earning assets | 1.0764% | 6,012 |
| Net interest margin | 4.2133% | 1,985 |
| Noninterest income to average assets | 0.1702% | 6,752 |
| Noninterest expense to average assets | 3.2778% | 2,601 |
| Loan and lease loss provision to assets | 0.2695% | 3,869 |
| Net operating income to assets | -0.0753% | 6,407 |
| Return on assets (ROA) | 0.1025% | 6,121 |
| Pretax return on assets | 0.1098% | 6,108 |
| Return on Equity (ROE) | 0.4725% | 6,277 |
| Retained earnings to average equity (ytd only) | 0.4725% | 5,646 |
| Net charge-offs to loans | 0.7914% | 1,939 |
| Credit loss provision to net charge-offs | 63.0769% | 4,241 |
| Earnings coverage of net charge-offs (x) | 0.4400% | 4,635 |
| Efficiency ratio | 80.3338% | 2,513 |
| Assets per employee ($millions) | 4.9032% | 2,368 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4795% | 1,322 |
| Loan loss allowance to noncurrent loans | 62.9791% | 4,227 |
| Noncurrent assets plus other real estate owned to assets | 3.7590% | 1,851 |
| Noncurrent loans to loans | 3.9370% | 2,012 |
| Net loans and leases to total assets | 51.9860% | 6,274 |
| Net loans and leases to deposits | 76.3548% | 4,348 |
| Net loans and leases to core deposits | 83.3968% | 4,281 |
| Total domestic deposits to total assets | 68.0848% | 7,522 |
| Equity capital to assets | 21.5762% | 226 |
| Core capital (leverage) ratio | 10.1641% | 2,966 |
| Tier 1 risk-based capital ratio | 14.0727% | 3,610 |
| Total risk-based capital ratio | 15.3338% | 3,564 |
| Memoranda: |
| Average total assets | $608,576,000 | 1,131 |
| Average earning assets | $476,017,000 | 1,339 |
| Average equity | $132,073,500 | 515 |
| Average total loans | $328,514,500 | 1,436 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7287% | 2,967 |
| Cost of funding earning assets | 1.4498% | 5,724 |
| Net interest margin | 4.2789% | 1,782 |
| Noninterest income to average assets | 0.2487% | 6,323 |
| Noninterest expense to average assets | 3.3268% | 2,923 |
| Loan and lease loss provision to assets | 0.9776% | 2,311 |
| Net operating income to assets | -0.4128% | 6,094 |
| Return on assets (ROA) | -0.4040% | 6,073 |
| Pretax return on assets | -0.6902% | 6,180 |
| Return on Equity (ROE) | -1.8606% | 5,835 |
| Retained earnings to average equity (ytd only) | -1.8606% | 5,486 |
| Net charge-offs to loans | 2.0030% | 1,227 |
| Credit loss provision to net charge-offs | 86.7709% | 6,107 |
| Earnings coverage of net charge-offs (x) | 0.2428% | 5,879 |
| Efficiency ratio | 77.4632% | 3,275 |
| Assets per employee ($millions) | 4.8730% | 2,375 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.5252% | 1,194 |
| Loan loss allowance to noncurrent loans | 101.7443% | 2,766 |
| Noncurrent assets plus other real estate owned to assets | 2.8508% | 2,461 |
| Noncurrent loans to loans | 2.4820% | 3,063 |
| Net loans and leases to total assets | 53.2832% | 6,271 |
| Net loans and leases to deposits | 77.8815% | 4,399 |
| Net loans and leases to core deposits | 98.3859% | 4,188 |
| Total domestic deposits to total assets | 68.4157% | 7,519 |
| Equity capital to assets | 21.8297% | 229 |
| Core capital (leverage) ratio | 10.0625% | 3,024 |
| Tier 1 risk-based capital ratio | 13.8808% | 3,576 |
| Total risk-based capital ratio | 15.1423% | 3,521 |
| Memoranda: |
| Average total assets | $607,227,400 | 1,143 |
| Average earning assets | $475,641,400 | 1,327 |
| Average equity | $131,838,200 | 510 |
| Average total loans | $341,530,600 | 1,417 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7487% | 3,106 |
| Cost of funding earning assets | 1.5320% | 5,707 |
| Net interest margin | 4.2167% | 1,982 |
| Noninterest income to average assets | 0.2612% | 6,363 |
| Noninterest expense to average assets | 3.3402% | 2,768 |
| Loan and lease loss provision to assets | 1.1329% | 1,725 |
| Net operating income to assets | -0.5304% | 6,461 |
| Return on assets (ROA) | -0.5187% | 6,447 |
| Pretax return on assets | -0.8899% | 6,603 |
| Return on Equity (ROE) | -2.3921% | 6,149 |
| Retained earnings to average equity (ytd only) | -2.3921% | 5,796 |
| Net charge-offs to loans | 2.1200% | 914 |
| Credit loss provision to net charge-offs | 94.3562% | 5,359 |
| Earnings coverage of net charge-offs (x) | 0.1870% | 5,836 |
| Efficiency ratio | 78.3328% | 3,113 |
| Assets per employee ($millions) | 4.7603% | 2,459 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.6697% | 905 |
| Loan loss allowance to noncurrent loans | 101.0516% | 2,750 |
| Noncurrent assets plus other real estate owned to assets | 2.9292% | 2,364 |
| Noncurrent loans to loans | 2.6419% | 2,863 |
| Net loans and leases to total assets | 53.4722% | 6,447 |
| Net loans and leases to deposits | 78.4059% | 4,681 |
| Net loans and leases to core deposits | 98.5956% | 4,537 |
| Total domestic deposits to total assets | 68.1992% | 7,554 |
| Equity capital to assets | 21.7279% | 258 |
| Core capital (leverage) ratio | 10.0021% | 3,280 |
| Tier 1 risk-based capital ratio | 13.6790% | 3,729 |
| Total risk-based capital ratio | 14.9440% | 3,669 |
| Memoranda: |
| Average total assets | $607,972,000 | 1,157 |
| Average earning assets | $476,318,750 | 1,344 |
| Average equity | $131,821,250 | 520 |
| Average total loans | $344,337,250 | 1,420 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7417% | 3,333 |
| Cost of funding earning assets | 1.6202% | 5,668 |
| Net interest margin | 4.1215% | 2,248 |
| Noninterest income to average assets | 0.1600% | 7,130 |
| Noninterest expense to average assets | 3.4353% | 2,521 |
| Loan and lease loss provision to assets | 1.5252% | 1,119 |
| Net operating income to assets | -0.9421% | 6,925 |
| Return on assets (ROA) | -0.9244% | 6,924 |
| Pretax return on assets | -1.5420% | 7,107 |
| Return on Equity (ROE) | -4.2665% | 6,515 |
| Retained earnings to average equity (ytd only) | -4.2665% | 6,181 |
| Net charge-offs to loans | 2.7543% | 609 |
| Credit loss provision to net charge-offs | 96.8032% | 4,711 |
| Earnings coverage of net charge-offs (x) | -0.0282% | 5,722 |
| Efficiency ratio | 84.5049% | 2,417 |
| Assets per employee ($millions) | 4.8278% | 2,286 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.6940% | 757 |
| Loan loss allowance to noncurrent loans | 98.8692% | 2,922 |
| Noncurrent assets plus other real estate owned to assets | 3.2704% | 1,906 |
| Noncurrent loans to loans | 2.7248% | 2,640 |
| Net loans and leases to total assets | 53.9924% | 6,455 |
| Net loans and leases to deposits | 79.0889% | 4,689 |
| Net loans and leases to core deposits | 99.4826% | 4,558 |
| Total domestic deposits to total assets | 68.2680% | 7,603 |
| Equity capital to assets | 21.5439% | 302 |
| Core capital (leverage) ratio | 9.6930% | 3,640 |
| Tier 1 risk-based capital ratio | 13.6536% | 3,722 |
| Total risk-based capital ratio | 14.9181% | 3,640 |
| Memoranda: |
| Average total assets | $607,522,000 | 1,176 |
| Average earning assets | $476,239,000 | 1,359 |
| Average equity | $131,630,670 | 527 |
| Average total loans | $347,531,330 | 1,434 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.8012% | 3,298 |
| Cost of funding earning assets | 1.7097% | 5,562 |
| Net interest margin | 4.0915% | 2,309 |
| Noninterest income to average assets | -0.0692% | 8,120 |
| Noninterest expense to average assets | 3.5392% | 2,006 |
| Loan and lease loss provision to assets | 2.6465% | 424 |
| Net operating income to assets | -1.8608% | 7,617 |
| Return on assets (ROA) | -1.8190% | 7,615 |
| Pretax return on assets | -2.9812% | 7,749 |
| Return on Equity (ROE) | -8.3717% | 7,261 |
| Retained earnings to average equity (ytd only) | -8.3717% | 6,949 |
| Net charge-offs to loans | 2.3759% | 610 |
| Credit loss provision to net charge-offs | 191.8338% | 2,299 |
| Earnings coverage of net charge-offs (x) | -0.2899% | 5,180 |
| Efficiency ratio | 93.8090% | 1,443 |
| Assets per employee ($millions) | 4.3711% | 2,936 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.2287% | 396 |
| Loan loss allowance to noncurrent loans | 99.9374% | 3,072 |
| Noncurrent assets plus other real estate owned to assets | 3.2441% | 1,701 |
| Noncurrent loans to loans | 3.2307% | 1,997 |
| Net loans and leases to total assets | 54.3163% | 6,430 |
| Net loans and leases to deposits | 80.2516% | 4,569 |
| Net loans and leases to core deposits | 102.2274% | 4,316 |
| Total domestic deposits to total assets | 67.6826% | 7,614 |
| Equity capital to assets | 21.2199% | 349 |
| Core capital (leverage) ratio | 9.6045% | 3,864 |
| Tier 1 risk-based capital ratio | 13.1615% | 4,075 |
| Total risk-based capital ratio | 14.4342% | 3,983 |
| Memoranda: |
| Average total assets | $607,134,500 | 1,177 |
| Average earning assets | $476,108,000 | 1,361 |
| Average equity | $131,920,500 | 522 |
| Average total loans | $352,533,500 | 1,431 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.6526% | 2,233 |
| Cost of funding earning assets | 2.0703% | 6,163 |
| Net interest margin | 4.5823% | 1,227 |
| Noninterest income to average assets | 0.4008% | 5,463 |
| Noninterest expense to average assets | 3.5912% | 2,172 |
| Loan and lease loss provision to assets | 1.2457% | 1,151 |
| Net operating income to assets | -0.4756% | 6,906 |
| Return on assets (ROA) | -0.4744% | 6,783 |
| Pretax return on assets | -0.8616% | 6,917 |
| Return on Equity (ROE) | -2.1707% | 6,532 |
| Retained earnings to average equity (ytd only) | -2.1707% | 5,919 |
| Net charge-offs to loans | 1.6437% | 682 |
| Credit loss provision to net charge-offs | 123.0495% | 4,363 |
| Earnings coverage of net charge-offs (x) | 0.3775% | 6,003 |
| Efficiency ratio | 74.0886% | 3,557 |
| Assets per employee ($millions) | 4.3018% | 2,957 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.5745% | 633 |
| Loan loss allowance to noncurrent loans | 92.2847% | 3,681 |
| Noncurrent assets plus other real estate owned to assets | 2.9034% | 1,600 |
| Noncurrent loans to loans | 2.7898% | 1,949 |
| Net loans and leases to total assets | 58.5150% | 6,125 |
| Net loans and leases to deposits | 87.6129% | 3,852 |
| Net loans and leases to core deposits | 107.8343% | 3,985 |
| Total domestic deposits to total assets | 66.7881% | 7,594 |
| Equity capital to assets | 22.2524% | 340 |
| Core capital (leverage) ratio | 9.8415% | 3,599 |
| Tier 1 risk-based capital ratio | 13.3280% | 3,911 |
| Total risk-based capital ratio | 14.5888% | 3,813 |
| Memoranda: |
| Average total assets | $610,264,600 | 1,110 |
| Average earning assets | $475,784,400 | 1,299 |
| Average equity | $133,367,200 | 524 |
| Average total loans | $375,853,600 | 1,293 |
