| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2490% | 396 |
| Cost of funding earning assets | 0.6416% | 1,087 |
| Net interest margin | 4.6074% | 499 |
| Noninterest income to average assets | 0.4680% | 3,417 |
| Noninterest expense to average assets | 2.7249% | 3,292 |
| Loan and lease loss provision to assets | -0.1536% | 5,916 |
| Net operating income to assets | 1.2610% | 1,392 |
| Return on assets (ROA) | 1.2610% | 1,509 |
| Pretax return on assets | 2.0565% | 515 |
| Return on Equity (ROE) | 11.1754% | 1,580 |
| Retained earnings to average equity (ytd only) | 11.1754% | 420 |
| Net charge-offs to loans | -0.0812% | 5,548 |
| Credit loss provision to net charge-offs | 231.1419% | 1,174 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6077% | 4,824 |
| Assets per employee ($millions) | 7.6282% | 663 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5279% | 5,768 |
| Loan loss allowance to noncurrent loans | 14.0988% | 5,470 |
| Noncurrent assets plus other real estate owned to assets | 4.2545% | 193 |
| Noncurrent loans to loans | 3.7444% | 341 |
| Net loans and leases to total assets | 80.1902% | 869 |
| Net loans and leases to deposits | 106.0581% | 362 |
| Net loans and leases to core deposits | 119.7017% | 520 |
| Total domestic deposits to total assets | 75.6097% | 5,340 |
| Equity capital to assets | 11.8122% | 2,261 |
| Core capital (leverage) ratio | 11.5446% | 1,955 |
| Tier 1 risk-based capital ratio | 14.1893% | 3,505 |
| Total risk-based capital ratio | 14.7022% | 3,847 |
| Memoranda: |
| Average total assets | $1,739,463,000 | 451 |
| Average earning assets | $1,570,466,000 | 447 |
| Average equity | $196,271,000 | 440 |
| Average total loans | $1,422,934,000 | 390 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2545% | 381 |
| Cost of funding earning assets | 0.6449% | 1,081 |
| Net interest margin | 4.6096% | 489 |
| Noninterest income to average assets | 0.3898% | 3,905 |
| Noninterest expense to average assets | 2.7353% | 3,294 |
| Loan and lease loss provision to assets | -0.1279% | 6,000 |
| Net operating income to assets | 1.1935% | 1,580 |
| Return on assets (ROA) | 1.1935% | 1,678 |
| Pretax return on assets | 1.9384% | 643 |
| Return on Equity (ROE) | 10.8244% | 1,669 |
| Retained earnings to average equity (ytd only) | 10.8244% | 685 |
| Net charge-offs to loans | -0.1873% | 5,830 |
| Credit loss provision to net charge-offs | 82.8656% | 1,817 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8957% | 4,761 |
| Assets per employee ($millions) | 7.9009% | 586 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5602% | 5,805 |
| Loan loss allowance to noncurrent loans | 15.3446% | 5,480 |
| Noncurrent assets plus other real estate owned to assets | 4.5163% | 197 |
| Noncurrent loans to loans | 3.6507% | 359 |
| Net loans and leases to total assets | 80.9804% | 685 |
| Net loans and leases to deposits | 106.9104% | 309 |
| Net loans and leases to core deposits | 119.4234% | 481 |
| Total domestic deposits to total assets | 75.7461% | 5,439 |
| Equity capital to assets | 10.9826% | 2,962 |
| Core capital (leverage) ratio | 11.1309% | 2,281 |
| Tier 1 risk-based capital ratio | 12.7957% | 4,400 |
| Total risk-based capital ratio | 13.3292% | 4,778 |
| Memoranda: |
| Average total assets | $1,754,834,000 | 441 |
| Average earning assets | $1,582,188,500 | 444 |
| Average equity | $193,488,000 | 440 |
| Average total loans | $1,445,651,500 | 381 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2990% | 365 |
| Cost of funding earning assets | 0.6529% | 1,059 |
| Net interest margin | 4.6461% | 500 |
| Noninterest income to average assets | 0.5734% | 2,874 |
| Noninterest expense to average assets | 2.9335% | 2,752 |
| Loan and lease loss provision to assets | 0.0678% | 2,936 |
| Net operating income to assets | 1.0261% | 2,229 |
| Return on assets (ROA) | 1.0261% | 2,308 |
| Pretax return on assets | 1.7044% | 985 |
| Return on Equity (ROE) | 8.8273% | 2,537 |
| Retained earnings to average equity (ytd only) | 2.5687% | 4,242 |
| Net charge-offs to loans | -0.1201% | 5,828 |
| Credit loss provision to net charge-offs | -70.3587% | 5,093 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9676% | 4,609 |
| Assets per employee ($millions) | 7.5286% | 684 |
| Cash dividends to net income (ytd only)* | 70.9010% | 1,204 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5588% | 5,863 |
| Loan loss allowance to noncurrent loans | 22.3755% | 5,443 |
| Noncurrent assets plus other real estate owned to assets | 3.7251% | 298 |
| Noncurrent loans to loans | 2.4974% | 733 |
| Net loans and leases to total assets | 82.8934% | 495 |
| Net loans and leases to deposits | 111.0626% | 219 |
| Net loans and leases to core deposits | 123.3944% | 394 |
| Total domestic deposits to total assets | 74.6367% | 5,587 |
| Equity capital to assets | 11.0710% | 2,750 |
| Core capital (leverage) ratio | 10.9711% | 2,433 |
| Tier 1 risk-based capital ratio | 12.6590% | 4,539 |
| Total risk-based capital ratio | 13.1933% | 4,891 |
| Memoranda: |
| Average total assets | $1,649,472,200 | 440 |
| Average earning assets | $1,467,038,400 | 441 |
| Average equity | $191,734,800 | 430 |
| Average total loans | $1,322,735,400 | 384 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2947% | 375 |
| Cost of funding earning assets | 0.6456% | 1,120 |
| Net interest margin | 4.6491% | 500 |
| Noninterest income to average assets | 0.6467% | 2,501 |
| Noninterest expense to average assets | 2.9019% | 2,846 |
| Loan and lease loss provision to assets | 0.1145% | 1,974 |
| Net operating income to assets | 1.0574% | 2,186 |
| Return on assets (ROA) | 1.0574% | 2,281 |
| Pretax return on assets | 1.7530% | 988 |
| Return on Equity (ROE) | 8.9833% | 2,589 |
| Retained earnings to average equity (ytd only) | 8.9833% | 916 |
| Net charge-offs to loans | -0.1246% | 5,868 |
| Credit loss provision to net charge-offs | -115.7982% | 5,077 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4453% | 4,823 |
| Assets per employee ($millions) | 7.1648% | 809 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5729% | 5,934 |
| Loan loss allowance to noncurrent loans | 47.2931% | 5,028 |
| Noncurrent assets plus other real estate owned to assets | 2.5264% | 682 |
| Noncurrent loans to loans | 1.2114% | 2,109 |
| Net loans and leases to total assets | 80.3919% | 763 |
| Net loans and leases to deposits | 108.8273% | 281 |
| Net loans and leases to core deposits | 118.3925% | 519 |
| Total domestic deposits to total assets | 73.8711% | 5,722 |
| Equity capital to assets | 11.6141% | 2,408 |
| Core capital (leverage) ratio | 11.7515% | 1,856 |
| Tier 1 risk-based capital ratio | 13.4599% | 4,161 |
| Total risk-based capital ratio | 13.9984% | 4,487 |
| Memoranda: |
| Average total assets | $1,630,825,750 | 449 |
| Average earning assets | $1,446,180,500 | 453 |
| Average equity | $191,951,000 | 434 |
| Average total loans | $1,294,128,750 | 393 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2075% | 421 |
| Cost of funding earning assets | 0.6352% | 1,194 |
| Net interest margin | 4.5723% | 552 |
| Noninterest income to average assets | 0.7348% | 2,061 |
| Noninterest expense to average assets | 2.9475% | 2,728 |
| Loan and lease loss provision to assets | 0.1830% | 1,118 |
| Net operating income to assets | 0.9874% | 2,452 |
| Return on assets (ROA) | 0.9874% | 2,565 |
| Pretax return on assets | 1.6433% | 1,208 |
| Return on Equity (ROE) | 8.3494% | 2,876 |
| Retained earnings to average equity (ytd only) | 8.3494% | 1,137 |
| Net charge-offs to loans | -0.1400% | 5,911 |
| Credit loss provision to net charge-offs | -165.7627% | 4,997 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3188% | 4,785 |
| Assets per employee ($millions) | 6.7923% | 931 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5661% | 6,026 |
| Loan loss allowance to noncurrent loans | 43.9652% | 5,166 |
| Noncurrent assets plus other real estate owned to assets | 2.6908% | 668 |
| Noncurrent loans to loans | 1.2875% | 2,096 |
| Net loans and leases to total assets | 80.3590% | 761 |
| Net loans and leases to deposits | 110.8178% | 246 |
| Net loans and leases to core deposits | 120.8988% | 445 |
| Total domestic deposits to total assets | 72.5145% | 5,907 |
| Equity capital to assets | 11.5552% | 2,368 |
| Core capital (leverage) ratio | 11.9662% | 1,681 |
| Tier 1 risk-based capital ratio | 13.0327% | 4,498 |
| Total risk-based capital ratio | 13.5504% | 4,840 |
| Memoranda: |
| Average total assets | $1,603,639,670 | 451 |
| Average earning assets | $1,416,560,330 | 462 |
| Average equity | $189,642,000 | 440 |
| Average total loans | $1,263,988,330 | 398 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1599% | 438 |
| Cost of funding earning assets | 0.6371% | 1,193 |
| Net interest margin | 4.5228% | 581 |
| Noninterest income to average assets | 0.4029% | 3,981 |
| Noninterest expense to average assets | 3.0157% | 2,535 |
| Loan and lease loss provision to assets | 0.0488% | 2,954 |
| Net operating income to assets | 0.8104% | 3,208 |
| Return on assets (ROA) | 0.8104% | 3,333 |
| Pretax return on assets | 1.3152% | 2,216 |
| Return on Equity (ROE) | 6.7700% | 3,624 |
| Retained earnings to average equity (ytd only) | 6.7700% | 2,115 |
| Net charge-offs to loans | -0.0897% | 5,811 |
| Credit loss provision to net charge-offs | -69.9634% | 4,434 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3729% | 3,763 |
| Assets per employee ($millions) | 6.5436% | 1,054 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4623% | 6,196 |
| Loan loss allowance to noncurrent loans | 29.3682% | 5,558 |
| Noncurrent assets plus other real estate owned to assets | 3.1332% | 582 |
| Noncurrent loans to loans | 1.5742% | 1,778 |
| Net loans and leases to total assets | 78.0353% | 920 |
| Net loans and leases to deposits | 103.7921% | 377 |
| Net loans and leases to core deposits | 112.1744% | 642 |
| Total domestic deposits to total assets | 75.1843% | 5,813 |
| Equity capital to assets | 11.8449% | 2,155 |
| Core capital (leverage) ratio | 11.9621% | 1,660 |
| Tier 1 risk-based capital ratio | 13.5410% | 4,305 |
| Total risk-based capital ratio | 13.9568% | 4,703 |
| Memoranda: |
| Average total assets | $1,566,608,000 | 460 |
| Average earning assets | $1,377,465,000 | 475 |
| Average equity | $187,532,000 | 441 |
| Average total loans | $1,218,052,500 | 408 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9707% | 823 |
| Cost of funding earning assets | 0.6667% | 1,288 |
| Net interest margin | 4.3040% | 1,053 |
| Noninterest income to average assets | 0.2891% | 5,049 |
| Noninterest expense to average assets | 3.0219% | 2,778 |
| Loan and lease loss provision to assets | 0.3311% | 588 |
| Net operating income to assets | 0.4518% | 5,013 |
| Return on assets (ROA) | 0.4624% | 5,050 |
| Pretax return on assets | 0.7824% | 4,322 |
| Return on Equity (ROE) | 4.3692% | 4,950 |
| Retained earnings to average equity (ytd only) | 4.3692% | 3,070 |
| Net charge-offs to loans | 0.2655% | 1,626 |
| Credit loss provision to net charge-offs | 165.8285% | 1,474 |
| Earnings coverage of net charge-offs (x) | 5.4940% | 3,407 |
| Efficiency ratio | 72.5371% | 3,115 |
| Assets per employee ($millions) | 6.4562% | 1,078 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4495% | 6,297 |
| Loan loss allowance to noncurrent loans | 25.4798% | 5,751 |
| Noncurrent assets plus other real estate owned to assets | 3.6322% | 500 |
| Noncurrent loans to loans | 1.7642% | 1,634 |
| Net loans and leases to total assets | 76.7323% | 1,166 |
| Net loans and leases to deposits | 100.9452% | 569 |
| Net loans and leases to core deposits | 107.7727% | 906 |
| Total domestic deposits to total assets | 76.0139% | 5,726 |
| Equity capital to assets | 12.1012% | 1,948 |
| Core capital (leverage) ratio | 11.9071% | 1,690 |
| Tier 1 risk-based capital ratio | 14.2727% | 3,920 |
| Total risk-based capital ratio | 14.6841% | 4,388 |
| Memoranda: |
| Average total assets | $1,454,016,800 | 480 |
| Average earning assets | $1,293,775,800 | 487 |
| Average equity | $153,893,800 | 497 |
| Average total loans | $1,093,250,000 | 425 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9082% | 914 |
| Cost of funding earning assets | 0.6648% | 1,357 |
| Net interest margin | 4.2433% | 1,175 |
| Noninterest income to average assets | 0.4990% | 3,554 |
| Noninterest expense to average assets | 3.0370% | 2,682 |
| Loan and lease loss provision to assets | 0.4479% | 351 |
| Net operating income to assets | 0.4863% | 4,918 |
| Return on assets (ROA) | 0.5006% | 4,937 |
| Pretax return on assets | 0.8285% | 4,260 |
| Return on Equity (ROE) | 4.9190% | 4,754 |
| Retained earnings to average equity (ytd only) | 4.9190% | 3,140 |
| Net charge-offs to loans | 0.3470% | 1,159 |
| Credit loss provision to net charge-offs | 172.8284% | 1,436 |
| Earnings coverage of net charge-offs (x) | 4.8388% | 3,372 |
| Efficiency ratio | 69.8829% | 3,530 |
| Assets per employee ($millions) | 6.2929% | 1,156 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4813% | 6,357 |
| Loan loss allowance to noncurrent loans | 26.3921% | 5,816 |
| Noncurrent assets plus other real estate owned to assets | 3.7836% | 544 |
| Noncurrent loans to loans | 1.8235% | 1,763 |
| Net loans and leases to total assets | 72.6821% | 1,730 |
| Net loans and leases to deposits | 96.5407% | 839 |
| Net loans and leases to core deposits | 103.1545% | 1,145 |
| Total domestic deposits to total assets | 75.2864% | 5,897 |
| Equity capital to assets | 11.9249% | 2,124 |
| Core capital (leverage) ratio | 12.2761% | 1,529 |
| Tier 1 risk-based capital ratio | 14.9026% | 3,645 |
| Total risk-based capital ratio | 15.3938% | 4,045 |
| Memoranda: |
| Average total assets | $1,433,375,250 | 486 |
| Average earning assets | $1,280,878,750 | 491 |
| Average equity | $145,881,000 | 506 |
| Average total loans | $1,070,467,500 | 431 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9724% | 792 |
| Cost of funding earning assets | 0.6699% | 1,375 |
| Net interest margin | 4.3025% | 1,021 |
| Noninterest income to average assets | 0.5164% | 3,365 |
| Noninterest expense to average assets | 3.0681% | 2,601 |
| Loan and lease loss provision to assets | 0.6606% | 205 |
| Net operating income to assets | 0.3730% | 5,318 |
| Return on assets (ROA) | 0.3951% | 5,311 |
| Pretax return on assets | 0.6558% | 4,770 |
| Return on Equity (ROE) | 4.1452% | 5,083 |
| Retained earnings to average equity (ytd only) | 4.1452% | 3,537 |
| Net charge-offs to loans | 0.6525% | 591 |
| Credit loss provision to net charge-offs | 134.4616% | 1,570 |
| Earnings coverage of net charge-offs (x) | 2.6093% | 3,514 |
| Efficiency ratio | 69.5591% | 3,729 |
| Assets per employee ($millions) | 6.5575% | 981 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4336% | 6,466 |
| Loan loss allowance to noncurrent loans | 21.4086% | 5,972 |
| Noncurrent assets plus other real estate owned to assets | 3.9837% | 534 |
| Noncurrent loans to loans | 2.0252% | 1,669 |
| Net loans and leases to total assets | 72.7832% | 1,607 |
| Net loans and leases to deposits | 92.8957% | 1,062 |
| Net loans and leases to core deposits | 99.0997% | 1,353 |
| Total domestic deposits to total assets | 78.3494% | 5,572 |
| Equity capital to assets | 9.6736% | 4,529 |
| Core capital (leverage) ratio | 9.7321% | 3,994 |
| Tier 1 risk-based capital ratio | 11.9762% | 5,555 |
| Total risk-based capital ratio | 12.4244% | 5,912 |
| Memoranda: |
| Average total assets | $1,395,152,000 | 497 |
| Average earning assets | $1,243,093,330 | 505 |
| Average equity | $132,973,670 | 546 |
| Average total loans | $1,050,426,000 | 438 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9979% | 720 |
| Cost of funding earning assets | 0.6739% | 1,414 |
| Net interest margin | 4.3239% | 958 |
| Noninterest income to average assets | 0.4886% | 3,504 |
| Noninterest expense to average assets | 3.1076% | 2,506 |
| Loan and lease loss provision to assets | 0.0105% | 3,692 |
| Net operating income to assets | 0.7382% | 3,499 |
| Return on assets (ROA) | 0.7382% | 3,580 |
| Pretax return on assets | 1.2139% | 2,426 |
| Return on Equity (ROE) | 7.8074% | 3,041 |
| Retained earnings to average equity (ytd only) | 7.8074% | 1,682 |
| Net charge-offs to loans | -0.0681% | 5,945 |
| Credit loss provision to net charge-offs | -20.2247% | 4,700 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6958% | 3,705 |
| Assets per employee ($millions) | 6.5715% | 979 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.3481% | 6,592 |
| Loan loss allowance to noncurrent loans | 16.3924% | 6,125 |
| Noncurrent assets plus other real estate owned to assets | 4.2719% | 530 |
| Noncurrent loans to loans | 2.1234% | 1,729 |
| Net loans and leases to total assets | 73.4762% | 1,354 |
| Net loans and leases to deposits | 93.0817% | 868 |
| Net loans and leases to core deposits | 98.6378% | 1,196 |
| Total domestic deposits to total assets | 78.9373% | 5,696 |
| Equity capital to assets | 9.6906% | 4,237 |
| Core capital (leverage) ratio | 9.7996% | 3,864 |
| Tier 1 risk-based capital ratio | 12.0976% | 5,569 |
| Total risk-based capital ratio | 12.4830% | 6,000 |
| Memoranda: |
| Average total assets | $1,368,121,000 | 507 |
| Average earning assets | $1,216,121,000 | 512 |
| Average equity | $129,365,000 | 563 |
| Average total loans | $1,045,950,000 | 438 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8771% | 1,138 |
| Cost of funding earning assets | 0.6753% | 1,997 |
| Net interest margin | 4.2018% | 1,350 |
| Noninterest income to average assets | 1.8119% | 457 |
| Noninterest expense to average assets | 3.6873% | 1,303 |
| Loan and lease loss provision to assets | 0.1097% | 2,971 |
| Net operating income to assets | 1.0624% | 2,071 |
| Return on assets (ROA) | 1.0800% | 2,074 |
| Pretax return on assets | 1.7692% | 815 |
| Return on Equity (ROE) | 11.3035% | 1,668 |
| Retained earnings to average equity (ytd only) | 11.3035% | 387 |
| Net charge-offs to loans | 0.0765% | 4,141 |
| Credit loss provision to net charge-offs | 196.7690% | 1,165 |
| Earnings coverage of net charge-offs (x) | 33.2068% | 1,086 |
| Efficiency ratio | 65.8671% | 4,588 |
| Assets per employee ($millions) | 6.0428% | 1,248 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.3249% | 6,676 |
| Loan loss allowance to noncurrent loans | 14.3470% | 6,246 |
| Noncurrent assets plus other real estate owned to assets | 4.8989% | 490 |
| Noncurrent loans to loans | 2.2646% | 1,708 |
| Net loans and leases to total assets | 79.0963% | 698 |
| Net loans and leases to deposits | 100.5470% | 456 |
| Net loans and leases to core deposits | 105.4490% | 821 |
| Total domestic deposits to total assets | 78.6660% | 5,716 |
| Equity capital to assets | 9.2048% | 4,799 |
| Core capital (leverage) ratio | 9.3588% | 4,458 |
| Tier 1 risk-based capital ratio | 10.6194% | 6,329 |
| Total risk-based capital ratio | 10.9744% | 6,547 |
| Memoranda: |
| Average total assets | $1,110,229,000 | 593 |
| Average earning assets | $984,721,200 | 608 |
| Average equity | $106,073,200 | 671 |
| Average total loans | $809,168,800 | 515 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7286% | 1,525 |
| Cost of funding earning assets | 0.6753% | 2,137 |
| Net interest margin | 4.0533% | 1,777 |
| Noninterest income to average assets | 2.2149% | 358 |
| Noninterest expense to average assets | 3.8292% | 1,048 |
| Loan and lease loss provision to assets | -0.0193% | 6,485 |
| Net operating income to assets | 1.2472% | 1,493 |
| Return on assets (ROA) | 1.2718% | 1,496 |
| Pretax return on assets | 2.0407% | 526 |
| Return on Equity (ROE) | 13.1609% | 1,206 |
| Retained earnings to average equity (ytd only) | 13.1609% | 323 |
| Net charge-offs to loans | -0.0778% | 6,439 |
| Credit loss provision to net charge-offs | 35.0114% | 3,804 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3036% | 4,606 |
| Assets per employee ($millions) | 5.7778% | 1,390 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.3238% | 6,762 |
| Loan loss allowance to noncurrent loans | 11.7967% | 6,345 |
| Noncurrent assets plus other real estate owned to assets | 5.6944% | 441 |
| Noncurrent loans to loans | 2.7444% | 1,532 |
| Net loans and leases to total assets | 74.0045% | 1,294 |
| Net loans and leases to deposits | 93.1939% | 887 |
| Net loans and leases to core deposits | 96.7775% | 1,333 |
| Total domestic deposits to total assets | 79.4092% | 5,648 |
| Equity capital to assets | 8.8290% | 5,384 |
| Core capital (leverage) ratio | 9.1767% | 4,866 |
| Tier 1 risk-based capital ratio | 10.4843% | 6,455 |
| Total risk-based capital ratio | 10.8942% | 6,648 |
| Memoranda: |
| Average total assets | $1,056,943,500 | 626 |
| Average earning assets | $938,018,500 | 637 |
| Average equity | $102,138,000 | 703 |
| Average total loans | $748,923,500 | 561 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5823% | 1,900 |
| Cost of funding earning assets | 0.6548% | 2,454 |
| Net interest margin | 3.9275% | 2,118 |
| Noninterest income to average assets | 0.4440% | 4,209 |
| Noninterest expense to average assets | 3.7517% | 1,161 |
| Loan and lease loss provision to assets | 0.0031% | 4,747 |
| Net operating income to assets | 0.1138% | 6,104 |
| Return on assets (ROA) | 0.1890% | 6,051 |
| Pretax return on assets | 0.3048% | 5,871 |
| Return on Equity (ROE) | 1.8847% | 5,988 |
| Retained earnings to average equity (ytd only) | 1.8847% | 5,069 |
| Net charge-offs to loans | 0.0097% | 4,690 |
| Credit loss provision to net charge-offs | 45.4545% | 3,306 |
| Earnings coverage of net charge-offs (x) | 28.2424% | 1,192 |
| Efficiency ratio | 94.3193% | 751 |
| Assets per employee ($millions) | 5.2106% | 1,880 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.3865% | 6,781 |
| Loan loss allowance to noncurrent loans | 16.5512% | 6,359 |
| Noncurrent assets plus other real estate owned to assets | 3.5797% | 1,050 |
| Noncurrent loans to loans | 2.3351% | 2,018 |
| Net loans and leases to total assets | 69.8253% | 1,915 |
| Net loans and leases to deposits | 91.2640% | 1,027 |
| Net loans and leases to core deposits | 95.3866% | 1,409 |
| Total domestic deposits to total assets | 76.5091% | 6,195 |
| Equity capital to assets | 9.8088% | 4,173 |
| Core capital (leverage) ratio | 9.9439% | 3,596 |
| Tier 1 risk-based capital ratio | 12.4825% | 5,518 |
| Total risk-based capital ratio | 12.9873% | 5,923 |
| Memoranda: |
| Average total assets | $979,778,330 | 671 |
| Average earning assets | $872,621,330 | 685 |
| Average equity | $98,265,330 | 728 |
| Average total loans | $679,698,000 | 615 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5580% | 1,959 |
| Cost of funding earning assets | 0.6343% | 2,800 |
| Net interest margin | 3.9236% | 2,037 |
| Noninterest income to average assets | 0.4563% | 4,082 |
| Noninterest expense to average assets | 3.7726% | 1,147 |
| Loan and lease loss provision to assets | -0.0436% | 6,782 |
| Net operating income to assets | 0.1392% | 6,070 |
| Return on assets (ROA) | 0.1392% | 6,167 |
| Pretax return on assets | 0.2265% | 6,028 |
| Return on Equity (ROE) | 1.3719% | 6,125 |
| Retained earnings to average equity (ytd only) | 1.3719% | 5,292 |
| Net charge-offs to loans | -0.1666% | 6,635 |
| Credit loss provision to net charge-offs | 37.9562% | 2,777 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.4338% | 806 |
| Assets per employee ($millions) | 4.7528% | 2,565 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4570% | 6,823 |
| Loan loss allowance to noncurrent loans | 14.9714% | 6,440 |
| Noncurrent assets plus other real estate owned to assets | 4.1735% | 929 |
| Noncurrent loans to loans | 3.0528% | 1,635 |
| Net loans and leases to total assets | 67.0528% | 2,181 |
| Net loans and leases to deposits | 82.0283% | 1,824 |
| Net loans and leases to core deposits | 84.9400% | 2,220 |
| Total domestic deposits to total assets | 81.7436% | 5,282 |
| Equity capital to assets | 10.0201% | 4,125 |
| Core capital (leverage) ratio | 10.0127% | 3,369 |
| Tier 1 risk-based capital ratio | 12.2054% | 5,786 |
| Total risk-based capital ratio | 12.7473% | 6,163 |
| Memoranda: |
| Average total assets | $953,818,000 | 699 |
| Average earning assets | $850,642,500 | 711 |
| Average equity | $96,799,500 | 746 |
| Average total loans | $657,956,000 | 636 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9549% | 1,675 |
| Cost of funding earning assets | 0.7883% | 2,759 |
| Net interest margin | 4.1666% | 1,756 |
| Noninterest income to average assets | 1.2933% | 922 |
| Noninterest expense to average assets | 3.8694% | 1,134 |
| Loan and lease loss provision to assets | 0.2728% | 2,463 |
| Net operating income to assets | 1.1657% | 1,710 |
| Return on assets (ROA) | 1.5169% | 979 |
| Pretax return on assets | 1.2503% | 2,603 |
| Return on Equity (ROE) | 15.4832% | 736 |
| Retained earnings to average equity (ytd only) | 15.4832% | 138 |
| Net charge-offs to loans | 0.8777% | 1,303 |
| Credit loss provision to net charge-offs | 44.1799% | 4,834 |
| Earnings coverage of net charge-offs (x) | 1.8980% | 4,472 |
| Efficiency ratio | 75.8253% | 2,777 |
| Assets per employee ($millions) | 4.4670% | 3,021 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4246% | 6,879 |
| Loan loss allowance to noncurrent loans | 12.0690% | 6,531 |
| Noncurrent assets plus other real estate owned to assets | 4.5139% | 914 |
| Noncurrent loans to loans | 3.5178% | 1,413 |
| Net loans and leases to total assets | 70.3564% | 1,770 |
| Net loans and leases to deposits | 86.8360% | 1,401 |
| Net loans and leases to core deposits | 90.6989% | 1,754 |
| Total domestic deposits to total assets | 81.0221% | 5,396 |
| Equity capital to assets | 10.2815% | 3,786 |
| Core capital (leverage) ratio | 10.2063% | 3,127 |
| Tier 1 risk-based capital ratio | 12.0284% | 5,772 |
| Total risk-based capital ratio | 12.5430% | 6,186 |
| Memoranda: |
| Average total assets | $864,114,400 | 760 |
| Average earning assets | $777,270,600 | 770 |
| Average equity | $84,659,600 | 830 |
| Average total loans | $607,863,800 | 683 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1050% | 1,416 |
| Cost of funding earning assets | 0.8157% | 2,813 |
| Net interest margin | 4.2893% | 1,505 |
| Noninterest income to average assets | 0.7451% | 2,508 |
| Noninterest expense to average assets | 3.7652% | 1,269 |
| Loan and lease loss provision to assets | 0.3123% | 2,108 |
| Net operating income to assets | 0.5347% | 4,684 |
| Return on assets (ROA) | 0.8535% | 3,447 |
| Pretax return on assets | 0.8535% | 4,289 |
| Return on Equity (ROE) | 8.8323% | 2,884 |
| Retained earnings to average equity (ytd only) | 8.8323% | 1,292 |
| Net charge-offs to loans | 0.5904% | 1,856 |
| Credit loss provision to net charge-offs | 75.2946% | 3,760 |
| Earnings coverage of net charge-offs (x) | 2.0418% | 4,247 |
| Efficiency ratio | 80.5996% | 2,002 |
| Assets per employee ($millions) | 4.4378% | 3,021 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8099% | 6,578 |
| Loan loss allowance to noncurrent loans | 16.6975% | 6,560 |
| Noncurrent assets plus other real estate owned to assets | 5.2227% | 832 |
| Noncurrent loans to loans | 4.8504% | 943 |
| Net loans and leases to total assets | 69.8912% | 1,923 |
| Net loans and leases to deposits | 86.3437% | 1,562 |
| Net loans and leases to core deposits | 90.3820% | 1,939 |
| Total domestic deposits to total assets | 80.9453% | 5,377 |
| Equity capital to assets | 9.8908% | 4,652 |
| Core capital (leverage) ratio | 9.5570% | 4,185 |
| Tier 1 risk-based capital ratio | 11.9628% | 5,957 |
| Total risk-based capital ratio | 12.9082% | 6,115 |
| Memoranda: |
| Average total assets | $845,626,500 | 784 |
| Average earning assets | $762,369,000 | 787 |
| Average equity | $81,712,750 | 861 |
| Average total loans | $594,129,000 | 693 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9623% | 1,895 |
| Cost of funding earning assets | 0.8438% | 2,849 |
| Net interest margin | 4.1186% | 2,017 |
| Noninterest income to average assets | 0.8556% | 1,948 |
| Noninterest expense to average assets | 3.6902% | 1,391 |
| Loan and lease loss provision to assets | 0.1845% | 3,260 |
| Net operating income to assets | 0.6961% | 3,890 |
| Return on assets (ROA) | 0.7756% | 3,753 |
| Pretax return on assets | 0.7756% | 4,557 |
| Return on Equity (ROE) | 8.0960% | 3,216 |
| Retained earnings to average equity (ytd only) | 8.0960% | 1,603 |
| Net charge-offs to loans | 0.4595% | 2,224 |
| Credit loss provision to net charge-offs | 57.1964% | 3,872 |
| Earnings coverage of net charge-offs (x) | 2.7301% | 3,645 |
| Efficiency ratio | 79.7408% | 2,229 |
| Assets per employee ($millions) | 4.8968% | 2,300 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8270% | 6,620 |
| Loan loss allowance to noncurrent loans | 16.9047% | 6,602 |
| Noncurrent assets plus other real estate owned to assets | 4.8773% | 989 |
| Noncurrent loans to loans | 4.8923% | 1,022 |
| Net loans and leases to total assets | 67.6340% | 2,337 |
| Net loans and leases to deposits | 85.3202% | 1,682 |
| Net loans and leases to core deposits | 90.0685% | 1,976 |
| Total domestic deposits to total assets | 79.2708% | 5,907 |
| Equity capital to assets | 9.2979% | 5,322 |
| Core capital (leverage) ratio | 9.8603% | 3,641 |
| Tier 1 risk-based capital ratio | 11.3908% | 6,287 |
| Total risk-based capital ratio | 12.3283% | 6,428 |
| Memoranda: |
| Average total assets | $827,210,330 | 800 |
| Average earning assets | $746,179,330 | 807 |
| Average equity | $79,249,000 | 878 |
| Average total loans | $580,581,000 | 711 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1130% | 1,541 |
| Cost of funding earning assets | 0.8866% | 2,786 |
| Net interest margin | 4.2263% | 1,686 |
| Noninterest income to average assets | 0.5331% | 3,681 |
| Noninterest expense to average assets | 3.5092% | 1,749 |
| Loan and lease loss provision to assets | 0.3558% | 1,767 |
| Net operating income to assets | 0.4812% | 4,905 |
| Return on assets (ROA) | 0.5254% | 4,920 |
| Pretax return on assets | 0.5254% | 5,348 |
| Return on Equity (ROE) | 5.3898% | 4,597 |
| Retained earnings to average equity (ytd only) | 5.3898% | 3,319 |
| Net charge-offs to loans | 0.5547% | 1,698 |
| Credit loss provision to net charge-offs | 89.8701% | 2,547 |
| Earnings coverage of net charge-offs (x) | 2.1143% | 3,309 |
| Efficiency ratio | 79.6664% | 2,244 |
| Assets per employee ($millions) | 4.7249% | 2,628 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0173% | 6,183 |
| Loan loss allowance to noncurrent loans | 19.3438% | 6,583 |
| Noncurrent assets plus other real estate owned to assets | 5.0906% | 1,011 |
| Noncurrent loans to loans | 5.2589% | 1,038 |
| Net loans and leases to total assets | 67.2289% | 2,245 |
| Net loans and leases to deposits | 85.2075% | 1,511 |
| Net loans and leases to core deposits | 90.2641% | 1,825 |
| Total domestic deposits to total assets | 78.9003% | 6,098 |
| Equity capital to assets | 9.3247% | 5,060 |
| Core capital (leverage) ratio | 9.8013% | 3,640 |
| Tier 1 risk-based capital ratio | 11.3661% | 6,350 |
| Total risk-based capital ratio | 12.4892% | 6,404 |
| Memoranda: |
| Average total assets | $778,066,000 | 852 |
| Average earning assets | $701,977,000 | 862 |
| Average equity | $75,847,500 | 919 |
| Average total loans | $555,285,500 | 753 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3411% | 1,592 |
| Cost of funding earning assets | 1.1449% | 2,379 |
| Net interest margin | 4.1962% | 2,074 |
| Noninterest income to average assets | 0.8625% | 1,793 |
| Noninterest expense to average assets | 3.2181% | 2,797 |
| Loan and lease loss provision to assets | 0.5079% | 2,067 |
| Net operating income to assets | 0.9406% | 2,450 |
| Return on assets (ROA) | 0.9931% | 2,366 |
| Pretax return on assets | 0.9931% | 3,267 |
| Return on Equity (ROE) | 9.9545% | 2,073 |
| Retained earnings to average equity (ytd only) | 9.9545% | 579 |
| Net charge-offs to loans | 0.2567% | 4,171 |
| Credit loss provision to net charge-offs | 274.1811% | 870 |
| Earnings coverage of net charge-offs (x) | 7.8198% | 2,251 |
| Efficiency ratio | 68.0076% | 4,355 |
| Assets per employee ($millions) | 4.7665% | 2,492 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0549% | 5,980 |
| Loan loss allowance to noncurrent loans | 23.7307% | 6,485 |
| Noncurrent assets plus other real estate owned to assets | 5.3140% | 972 |
| Noncurrent loans to loans | 4.4452% | 1,345 |
| Net loans and leases to total assets | 74.4822% | 1,180 |
| Net loans and leases to deposits | 97.4041% | 595 |
| Net loans and leases to core deposits | 105.3865% | 824 |
| Total domestic deposits to total assets | 76.4671% | 6,415 |
| Equity capital to assets | 10.2283% | 3,878 |
| Core capital (leverage) ratio | 10.2479% | 3,034 |
| Tier 1 risk-based capital ratio | 11.7062% | 6,021 |
| Total risk-based capital ratio | 12.8924% | 6,052 |
| Memoranda: |
| Average total assets | $560,361,400 | 1,177 |
| Average earning assets | $508,004,400 | 1,190 |
| Average equity | $55,904,600 | 1,215 |
| Average total loans | $404,434,600 | 1,055 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0863% | 2,677 |
| Cost of funding earning assets | 1.1968% | 2,334 |
| Net interest margin | 3.8895% | 3,433 |
| Noninterest income to average assets | 0.8757% | 1,738 |
| Noninterest expense to average assets | 2.9945% | 3,570 |
| Loan and lease loss provision to assets | 0.6745% | 1,433 |
| Net operating income to assets | 0.7452% | 3,405 |
| Return on assets (ROA) | 0.8111% | 3,271 |
| Pretax return on assets | 0.8111% | 4,088 |
| Return on Equity (ROE) | 8.2029% | 2,963 |
| Retained earnings to average equity (ytd only) | 8.2029% | 1,429 |
| Net charge-offs to loans | 0.1955% | 4,239 |
| Credit loss provision to net charge-offs | 485.3704% | 571 |
| Earnings coverage of net charge-offs (x) | 10.2167% | 1,953 |
| Efficiency ratio | 66.9698% | 4,530 |
| Assets per employee ($millions) | 4.9233% | 2,293 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1649% | 5,618 |
| Loan loss allowance to noncurrent loans | 16.7149% | 6,776 |
| Noncurrent assets plus other real estate owned to assets | 7.0126% | 703 |
| Noncurrent loans to loans | 6.9695% | 713 |
| Net loans and leases to total assets | 70.1331% | 2,062 |
| Net loans and leases to deposits | 89.8692% | 1,228 |
| Net loans and leases to core deposits | 97.8579% | 1,432 |
| Total domestic deposits to total assets | 78.0391% | 6,186 |
| Equity capital to assets | 9.8384% | 4,569 |
| Core capital (leverage) ratio | 9.6587% | 3,903 |
| Tier 1 risk-based capital ratio | 11.6256% | 6,156 |
| Total risk-based capital ratio | 12.9859% | 6,075 |
| Memoranda: |
| Average total assets | $518,132,250 | 1,298 |
| Average earning assets | $471,374,500 | 1,304 |
| Average equity | $51,232,500 | 1,337 |
| Average total loans | $368,300,000 | 1,161 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2483% | 6,165 |
| Cost of funding earning assets | 1.1978% | 2,595 |
| Net interest margin | 3.0506% | 6,505 |
| Noninterest income to average assets | 1.1189% | 1,033 |
| Noninterest expense to average assets | 2.7164% | 4,754 |
| Loan and lease loss provision to assets | 0.2456% | 3,448 |
| Net operating income to assets | 0.9451% | 2,457 |
| Return on assets (ROA) | 0.9890% | 2,373 |
| Pretax return on assets | 0.9890% | 3,279 |
| Return on Equity (ROE) | 9.9745% | 2,122 |
| Retained earnings to average equity (ytd only) | 9.9745% | 844 |
| Net charge-offs to loans | 0.2948% | 3,402 |
| Credit loss provision to net charge-offs | 117.0940% | 2,623 |
| Earnings coverage of net charge-offs (x) | 5.6774% | 2,557 |
| Efficiency ratio | 69.0790% | 4,311 |
| Assets per employee ($millions) | 5.4310% | 1,623 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7663% | 6,925 |
| Loan loss allowance to noncurrent loans | 10.3977% | 6,943 |
| Noncurrent assets plus other real estate owned to assets | 6.6534% | 791 |
| Noncurrent loans to loans | 7.3699% | 666 |
| Net loans and leases to total assets | 69.1998% | 2,374 |
| Net loans and leases to deposits | 87.7710% | 1,534 |
| Net loans and leases to core deposits | 95.3642% | 1,746 |
| Total domestic deposits to total assets | 78.8413% | 6,125 |
| Equity capital to assets | 9.5071% | 4,806 |
| Core capital (leverage) ratio | 15.5075% | 579 |
| Tier 1 risk-based capital ratio | 12.3921% | 5,447 |
| Total risk-based capital ratio | 13.5171% | 5,537 |
| Memoranda: |
| Average total assets | $446,320,330 | 1,492 |
| Average earning assets | $407,924,670 | 1,490 |
| Average equity | $44,253,000 | 1,519 |
| Average total loans | $317,554,000 | 1,363 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7205% | 4,427 |
| Cost of funding earning assets | 1.6239% | 750 |
| Net interest margin | 3.0967% | 6,359 |
| Noninterest income to average assets | 0.4576% | 4,210 |
| Noninterest expense to average assets | 3.0237% | 3,541 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.2682% | 5,545 |
| Return on assets (ROA) | 0.2682% | 5,606 |
| Pretax return on assets | 0.2682% | 5,755 |
| Return on Equity (ROE) | 2.5664% | 5,576 |
| Retained earnings to average equity (ytd only) | 2.5664% | 4,624 |
| Net charge-offs to loans | -0.4848% | 7,405 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.8522% | 1,176 |
| Assets per employee ($millions) | 5.4022% | 1,665 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9909% | 2,446 |
| Loan loss allowance to noncurrent loans | 35.6063% | 5,923 |
| Noncurrent assets plus other real estate owned to assets | 5.0313% | 1,251 |
| Noncurrent loans to loans | 5.5913% | 1,166 |
| Net loans and leases to total assets | 68.9969% | 2,326 |
| Net loans and leases to deposits | 85.2967% | 1,834 |
| Net loans and leases to core deposits | 86.5301% | 2,801 |
| Total domestic deposits to total assets | 80.8905% | 5,696 |
| Equity capital to assets | 10.0478% | 3,716 |
| Core capital (leverage) ratio | 10.5143% | 2,597 |
| Tier 1 risk-based capital ratio | 11.7226% | 5,921 |
| Total risk-based capital ratio | 13.9021% | 5,090 |
| Memoranda: |
| Average total assets | $289,313,000 | 2,235 |
| Average earning assets | $264,800,500 | 2,237 |
| Average equity | $30,236,500 | 2,164 |
| Average total loans | $211,224,500 | 2,003 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8654% | 5,166 |
| Cost of funding earning assets | 2.1312% | 381 |
| Net interest margin | 2.7342% | 7,099 |
| Noninterest income to average assets | 0.5149% | 4,058 |
| Noninterest expense to average assets | 3.0168% | 3,785 |
| Loan and lease loss provision to assets | 0.5435% | 2,969 |
| Net operating income to assets | -0.6121% | 6,459 |
| Return on assets (ROA) | -0.5008% | 6,419 |
| Pretax return on assets | -0.5008% | 6,322 |
| Return on Equity (ROE) | -5.3351% | 6,460 |
| Retained earnings to average equity (ytd only) | -5.3351% | 6,334 |
| Net charge-offs to loans | 2.0644% | 973 |
| Credit loss provision to net charge-offs | 36.6204% | 6,430 |
| Earnings coverage of net charge-offs (x) | -0.0462% | 6,169 |
| Efficiency ratio | 102.3271% | 714 |
| Assets per employee ($millions) | 5.7521% | 1,389 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9019% | 2,558 |
| Loan loss allowance to noncurrent loans | 47.0588% | 5,173 |
| Noncurrent assets plus other real estate owned to assets | 4.2785% | 1,558 |
| Noncurrent loans to loans | 4.0415% | 1,794 |
| Net loans and leases to total assets | 74.4264% | 1,580 |
| Net loans and leases to deposits | 91.0865% | 1,385 |
| Net loans and leases to core deposits | 92.2279% | 2,476 |
| Total domestic deposits to total assets | 81.7096% | 5,290 |
| Equity capital to assets | 10.8931% | 2,783 |
| Core capital (leverage) ratio | 11.1204% | 2,070 |
| Tier 1 risk-based capital ratio | 12.5830% | 4,950 |
| Total risk-based capital ratio | 14.8371% | 4,107 |
| Memoranda: |
| Average total assets | $262,367,600 | 2,430 |
| Average earning assets | $233,486,000 | 2,497 |
| Average equity | $24,629,400 | 2,591 |
| Average total loans | $188,628,800 | 2,259 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7738% | 5,766 |
| Cost of funding earning assets | 2.2363% | 343 |
| Net interest margin | 2.5375% | 7,351 |
| Noninterest income to average assets | 0.4155% | 4,833 |
| Noninterest expense to average assets | 3.0977% | 3,352 |
| Loan and lease loss provision to assets | 0.4753% | 3,095 |
| Net operating income to assets | -0.9150% | 6,852 |
| Return on assets (ROA) | -0.8342% | 6,847 |
| Pretax return on assets | -0.8342% | 6,764 |
| Return on Equity (ROE) | -9.2830% | 6,894 |
| Retained earnings to average equity (ytd only) | -9.2830% | 6,838 |
| Net charge-offs to loans | 2.3102% | 771 |
| Credit loss provision to net charge-offs | 29.0434% | 6,167 |
| Earnings coverage of net charge-offs (x) | -0.2687% | 6,224 |
| Efficiency ratio | 116.5440% | 427 |
| Assets per employee ($millions) | 6.0695% | 1,202 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3151% | 1,607 |
| Loan loss allowance to noncurrent loans | 31.6444% | 6,234 |
| Noncurrent assets plus other real estate owned to assets | 9.0261% | 498 |
| Noncurrent loans to loans | 7.3160% | 741 |
| Net loans and leases to total assets | 66.3112% | 3,618 |
| Net loans and leases to deposits | 82.2790% | 3,052 |
| Net loans and leases to core deposits | 83.3584% | 4,042 |
| Total domestic deposits to total assets | 80.5931% | 5,517 |
| Equity capital to assets | 11.1814% | 2,788 |
| Core capital (leverage) ratio | 11.5862% | 1,889 |
| Tier 1 risk-based capital ratio | 13.5996% | 4,122 |
| Total risk-based capital ratio | 16.2283% | 3,247 |
| Memoranda: |
| Average total assets | $258,934,250 | 2,501 |
| Average earning assets | $228,826,250 | 2,576 |
| Average equity | $23,267,750 | 2,773 |
| Average total loans | $183,417,000 | 2,349 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6752% | 6,231 |
| Cost of funding earning assets | 2.3389% | 298 |
| Net interest margin | 2.3363% | 7,518 |
| Noninterest income to average assets | 0.4075% | 4,849 |
| Noninterest expense to average assets | 3.1371% | 3,161 |
| Loan and lease loss provision to assets | 0.7017% | 2,068 |
| Net operating income to assets | -1.3629% | 7,107 |
| Return on assets (ROA) | -1.3465% | 7,111 |
| Pretax return on assets | -1.3465% | 7,033 |
| Return on Equity (ROE) | -16.3740% | 7,183 |
| Retained earnings to average equity (ytd only) | -16.3740% | 7,148 |
| Net charge-offs to loans | 2.5873% | 649 |
| Credit loss provision to net charge-offs | 37.7414% | 5,639 |
| Earnings coverage of net charge-offs (x) | -0.3556% | 5,954 |
| Efficiency ratio | 126.7024% | 343 |
| Assets per employee ($millions) | 5.6721% | 1,467 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.7137% | 1,078 |
| Loan loss allowance to noncurrent loans | 35.4806% | 5,992 |
| Noncurrent assets plus other real estate owned to assets | 10.1546% | 396 |
| Noncurrent loans to loans | 7.6484% | 696 |
| Net loans and leases to total assets | 71.3641% | 2,575 |
| Net loans and leases to deposits | 86.9190% | 2,353 |
| Net loans and leases to core deposits | 88.1114% | 3,533 |
| Total domestic deposits to total assets | 82.1041% | 4,939 |
| Equity capital to assets | 9.1192% | 5,265 |
| Core capital (leverage) ratio | 8.8469% | 4,843 |
| Tier 1 risk-based capital ratio | 10.7291% | 6,503 |
| Total risk-based capital ratio | 13.4247% | 5,124 |
| Memoranda: |
| Average total assets | $256,226,000 | 2,543 |
| Average earning assets | $226,855,670 | 2,610 |
| Average equity | $21,070,000 | 3,029 |
| Average total loans | $184,127,000 | 2,376 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5798% | 6,613 |
| Cost of funding earning assets | 2.4108% | 288 |
| Net interest margin | 2.1690% | 7,662 |
| Noninterest income to average assets | 0.1587% | 6,833 |
| Noninterest expense to average assets | 3.5692% | 1,803 |
| Loan and lease loss provision to assets | 2.0081% | 551 |
| Net operating income to assets | -3.4829% | 7,679 |
| Return on assets (ROA) | -3.4120% | 7,676 |
| Pretax return on assets | -3.4120% | 7,634 |
| Return on Equity (ROE) | -43.7863% | 7,678 |
| Retained earnings to average equity (ytd only) | -43.7863% | 7,664 |
| Net charge-offs to loans | 3.7627% | 367 |
| Credit loss provision to net charge-offs | 75.0144% | 3,994 |
| Earnings coverage of net charge-offs (x) | -0.5509% | 5,298 |
| Efficiency ratio | 170.4194% | 145 |
| Assets per employee ($millions) | 5.7672% | 1,433 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.2933% | 640 |
| Loan loss allowance to noncurrent loans | 29.9046% | 6,408 |
| Noncurrent assets plus other real estate owned to assets | 11.5480% | 294 |
| Noncurrent loans to loans | 11.0125% | 359 |
| Net loans and leases to total assets | 68.0930% | 3,365 |
| Net loans and leases to deposits | 82.8154% | 3,139 |
| Net loans and leases to core deposits | 84.4612% | 4,144 |
| Total domestic deposits to total assets | 82.2226% | 4,969 |
| Equity capital to assets | 7.8458% | 6,813 |
| Core capital (leverage) ratio | 7.9655% | 6,283 |
| Tier 1 risk-based capital ratio | 10.1812% | 6,899 |
| Total risk-based capital ratio | 12.9592% | 5,434 |
| Memoranda: |
| Average total assets | $259,553,500 | 2,564 |
| Average earning assets | $231,625,500 | 2,628 |
| Average equity | $20,225,500 | 3,175 |
| Average total loans | $184,654,500 | 2,433 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9394% | 6,619 |
| Cost of funding earning assets | 3.1987% | 128 |
| Net interest margin | 1.7407% | 7,822 |
| Noninterest income to average assets | 0.1930% | 6,718 |
| Noninterest expense to average assets | 3.0957% | 3,764 |
| Loan and lease loss provision to assets | 4.9151% | 205 |
| Net operating income to assets | -6.3300% | 7,853 |
| Return on assets (ROA) | -5.9405% | 7,825 |
| Pretax return on assets | -5.8594% | 7,791 |
| Return on Equity (ROE) | -94.6802% | 7,918 |
| Retained earnings to average equity (ytd only) | -94.6802% | 7,915 |
| Net charge-offs to loans | 5.8088% | 180 |
| Credit loss provision to net charge-offs | 111.7332% | 4,914 |
| Earnings coverage of net charge-offs (x) | -0.3032% | 6,551 |
| Efficiency ratio | 175.7011% | 197 |
| Assets per employee ($millions) | 6.0368% | 1,221 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.4576% | 547 |
| Loan loss allowance to noncurrent loans | 31.3887% | 6,370 |
| Noncurrent assets plus other real estate owned to assets | 9.4891% | 414 |
| Noncurrent loans to loans | 11.0156% | 344 |
| Net loans and leases to total assets | 69.3891% | 3,389 |
| Net loans and leases to deposits | 82.1319% | 3,596 |
| Net loans and leases to core deposits | 106.5212% | 3,272 |
| Total domestic deposits to total assets | 84.4850% | 3,801 |
| Equity capital to assets | 7.7390% | 6,824 |
| Core capital (leverage) ratio | 7.8262% | 6,417 |
| Tier 1 risk-based capital ratio | 9.9237% | 6,938 |
| Total risk-based capital ratio | 12.6757% | 5,441 |
| Memoranda: |
| Average total assets | $259,037,200 | 2,523 |
| Average earning assets | $233,470,800 | 2,568 |
| Average equity | $16,252,600 | 3,830 |
| Average total loans | $196,168,000 | 2,328 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0874% | 6,313 |
| Cost of funding earning assets | 3.2982% | 140 |
| Net interest margin | 1.7892% | 7,886 |
| Noninterest income to average assets | 0.1823% | 6,921 |
| Noninterest expense to average assets | 2.7181% | 5,251 |
| Loan and lease loss provision to assets | 3.7599% | 337 |
| Net operating income to assets | -3.4641% | 7,684 |
| Return on assets (ROA) | -3.0796% | 7,617 |
| Pretax return on assets | -4.1652% | 7,711 |
| Return on Equity (ROE) | -52.1341% | 7,847 |
| Retained earnings to average equity (ytd only) | -52.1341% | 7,841 |
| Net charge-offs to loans | 5.3985% | 184 |
| Credit loss provision to net charge-offs | 90.8085% | 5,459 |
| Earnings coverage of net charge-offs (x) | -0.2234% | 6,304 |
| Efficiency ratio | 151.5796% | 308 |
| Assets per employee ($millions) | 5.7372% | 1,396 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3119% | 1,280 |
| Loan loss allowance to noncurrent loans | 23.3374% | 6,880 |
| Noncurrent assets plus other real estate owned to assets | 8.5693% | 474 |
| Noncurrent loans to loans | 9.9064% | 407 |
| Net loans and leases to total assets | 73.2486% | 2,724 |
| Net loans and leases to deposits | 84.4126% | 3,586 |
| Net loans and leases to core deposits | 111.5162% | 3,069 |
| Total domestic deposits to total assets | 86.7744% | 2,293 |
| Equity capital to assets | 4.8618% | 7,960 |
| Core capital (leverage) ratio | 3.6358% | 8,000 |
| Tier 1 risk-based capital ratio | 4.3450% | 8,018 |
| Total risk-based capital ratio | 7.0667% | 7,964 |
| Memoranda: |
| Average total assets | $258,901,250 | 2,537 |
| Average earning assets | $233,094,500 | 2,585 |
| Average equity | $15,293,500 | 4,047 |
| Average total loans | $198,567,000 | 2,336 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1745% | 6,169 |
| Cost of funding earning assets | 3.3211% | 194 |
| Net interest margin | 1.8533% | 7,926 |
| Noninterest income to average assets | 0.1823% | 6,989 |
| Noninterest expense to average assets | 2.6891% | 5,424 |
| Loan and lease loss provision to assets | 5.3130% | 177 |
| Net operating income to assets | -4.9823% | 7,929 |
| Return on assets (ROA) | -4.3561% | 7,874 |
| Pretax return on assets | -5.3674% | 7,906 |
| Return on Equity (ROE) | -69.7655% | 8,018 |
| Retained earnings to average equity (ytd only) | -69.7655% | 8,012 |
| Net charge-offs to loans | 7.0712% | 131 |
| Credit loss provision to net charge-offs | 97.2651% | 4,696 |
| Earnings coverage of net charge-offs (x) | -0.1515% | 5,839 |
| Efficiency ratio | 144.4444% | 400 |
| Assets per employee ($millions) | 5.7555% | 1,379 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.5612% | 849 |
| Loan loss allowance to noncurrent loans | 38.1425% | 5,865 |
| Noncurrent assets plus other real estate owned to assets | 6.0532% | 802 |
| Noncurrent loans to loans | 6.7149% | 763 |
| Net loans and leases to total assets | 73.9125% | 2,725 |
| Net loans and leases to deposits | 86.2062% | 3,512 |
| Net loans and leases to core deposits | 113.7461% | 2,937 |
| Total domestic deposits to total assets | 85.7392% | 2,910 |
| Equity capital to assets | 4.9005% | 8,043 |
| Core capital (leverage) ratio | 3.9986% | 8,098 |
| Tier 1 risk-based capital ratio | 4.7776% | 8,104 |
| Total risk-based capital ratio | 7.4911% | 8,055 |
| Memoranda: |
| Average total assets | $261,056,670 | 2,531 |
| Average earning assets | $236,546,670 | 2,558 |
| Average equity | $16,300,330 | 3,858 |
| Average total loans | $201,662,330 | 2,332 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3392% | 5,712 |
| Cost of funding earning assets | 3.4156% | 187 |
| Net interest margin | 1.9236% | 7,932 |
| Noninterest income to average assets | 0.1630% | 7,138 |
| Noninterest expense to average assets | 2.4048% | 6,177 |
| Loan and lease loss provision to assets | 1.3662% | 937 |
| Net operating income to assets | -1.1681% | 7,348 |
| Return on assets (ROA) | -0.1932% | 6,629 |
| Pretax return on assets | -0.3351% | 6,701 |
| Return on Equity (ROE) | -2.8062% | 6,757 |
| Retained earnings to average equity (ytd only) | -2.8062% | 6,246 |
| Net charge-offs to loans | 1.4609% | 989 |
| Credit loss provision to net charge-offs | 120.0265% | 3,274 |
| Earnings coverage of net charge-offs (x) | -0.4324% | 5,229 |
| Efficiency ratio | 125.7301% | 552 |
| Assets per employee ($millions) | 5.8582% | 1,282 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.5833% | 703 |
| Loan loss allowance to noncurrent loans | 34.7525% | 6,234 |
| Noncurrent assets plus other real estate owned to assets | 6.6465% | 541 |
| Noncurrent loans to loans | 7.4334% | 508 |
| Net loans and leases to total assets | 77.0271% | 2,033 |
| Net loans and leases to deposits | 91.8837% | 2,620 |
| Net loans and leases to core deposits | 123.2219% | 2,142 |
| Total domestic deposits to total assets | 83.8311% | 3,782 |
| Equity capital to assets | 7.0100% | 7,675 |
| Core capital (leverage) ratio | 6.4590% | 7,898 |
| Tier 1 risk-based capital ratio | 7.6007% | 8,045 |
| Total risk-based capital ratio | 10.2397% | 7,825 |
| Memoranda: |
| Average total assets | $264,965,000 | 2,507 |
| Average earning assets | $241,012,000 | 2,526 |
| Average equity | $18,245,500 | 3,526 |
| Average total loans | $206,445,500 | 2,305 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.3352% | 3,762 |
| Cost of funding earning assets | 3.8392% | 176 |
| Net interest margin | 2.4960% | 7,760 |
| Noninterest income to average assets | 0.2286% | 6,799 |
| Noninterest expense to average assets | 2.4114% | 6,357 |
| Loan and lease loss provision to assets | 1.7800% | 710 |
| Net operating income to assets | -0.9353% | 7,210 |
| Return on assets (ROA) | -0.9353% | 7,132 |
| Pretax return on assets | -1.6845% | 7,336 |
| Return on Equity (ROE) | -11.9890% | 7,424 |
| Retained earnings to average equity (ytd only) | -11.9890% | 7,244 |
| Net charge-offs to loans | 0.7482% | 1,656 |
| Credit loss provision to net charge-offs | 295.3978% | 1,533 |
| Earnings coverage of net charge-offs (x) | 0.1584% | 6,156 |
| Efficiency ratio | 96.1915% | 1,142 |
| Assets per employee ($millions) | 5.4434% | 1,500 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4464% | 724 |
| Loan loss allowance to noncurrent loans | 36.9474% | 6,268 |
| Noncurrent assets plus other real estate owned to assets | 5.5006% | 589 |
| Noncurrent loans to loans | 6.6214% | 481 |
| Net loans and leases to total assets | 74.9407% | 2,893 |
| Net loans and leases to deposits | 89.0716% | 3,623 |
| Net loans and leases to core deposits | 122.8289% | 2,412 |
| Total domestic deposits to total assets | 84.1353% | 3,252 |
| Equity capital to assets | 6.7686% | 7,843 |
| Core capital (leverage) ratio | 6.8919% | 7,767 |
| Tier 1 risk-based capital ratio | 7.8881% | 8,099 |
| Total risk-based capital ratio | 10.4871% | 7,526 |
| Memoranda: |
| Average total assets | $252,421,800 | 2,542 |
| Average earning assets | $230,412,600 | 2,552 |
| Average equity | $19,693,000 | 3,277 |
| Average total loans | $203,279,200 | 2,267 |
