| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2327% | 2,356 |
| Cost of funding earning assets | 0.4775% | 2,302 |
| Net interest margin | 3.7551% | 2,456 |
| Noninterest income to average assets | 0.3278% | 4,384 |
| Noninterest expense to average assets | 2.1838% | 4,943 |
| Loan and lease loss provision to assets | 0.3048% | 513 |
| Net operating income to assets | 0.7802% | 3,355 |
| Return on assets (ROA) | 0.8193% | 3,280 |
| Pretax return on assets | 1.3041% | 2,285 |
| Return on Equity (ROE) | 8.0458% | 2,890 |
| Retained earnings to average equity (ytd only) | 3.1233% | 3,957 |
| Net charge-offs to loans | 0.4226% | 530 |
| Credit loss provision to net charge-offs | 97.6707% | 1,696 |
| Earnings coverage of net charge-offs (x) | 4.9598% | 2,375 |
| Efficiency ratio | 58.2012% | 4,970 |
| Assets per employee ($millions) | 6.1106% | 1,332 |
| Cash dividends to net income (ytd only)* | 61.1808% | 1,413 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8426% | 5,247 |
| Loan loss allowance to noncurrent loans | 131.3118% | 3,043 |
| Noncurrent assets plus other real estate owned to assets | 0.6281% | 3,183 |
| Noncurrent loans to loans | 0.6417% | 3,252 |
| Net loans and leases to total assets | 73.7706% | 1,761 |
| Net loans and leases to deposits | 94.3386% | 1,107 |
| Net loans and leases to core deposits | 97.1779% | 1,691 |
| Total domestic deposits to total assets | 78.1977% | 5,109 |
| Equity capital to assets | 10.3210% | 3,722 |
| Core capital (leverage) ratio | 8.6361% | 5,256 |
| Tier 1 risk-based capital ratio | 11.2432% | 5,374 |
| Total risk-based capital ratio | 12.0912% | 5,495 |
| Memoranda: |
| Average total assets | $1,595,942,000 | 482 |
| Average earning assets | $1,446,552,500 | 480 |
| Average equity | $162,519,000 | 496 |
| Average total loans | $1,178,510,500 | 447 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1838% | 2,610 |
| Cost of funding earning assets | 0.5109% | 2,062 |
| Net interest margin | 3.6729% | 2,857 |
| Noninterest income to average assets | 0.7580% | 1,945 |
| Noninterest expense to average assets | 2.6130% | 3,873 |
| Loan and lease loss provision to assets | 0.1940% | 1,131 |
| Net operating income to assets | 0.9752% | 2,491 |
| Return on assets (ROA) | 0.9838% | 2,529 |
| Pretax return on assets | 1.2476% | 2,476 |
| Return on Equity (ROE) | 8.9952% | 2,457 |
| Retained earnings to average equity (ytd only) | 1.9651% | 4,607 |
| Net charge-offs to loans | 0.2078% | 1,418 |
| Credit loss provision to net charge-offs | 129.0400% | 2,026 |
| Earnings coverage of net charge-offs (x) | 9.5152% | 2,811 |
| Efficiency ratio | 64.3612% | 4,191 |
| Assets per employee ($millions) | 6.1897% | 1,264 |
| Cash dividends to net income (ytd only)* | 78.1538% | 931 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8501% | 5,267 |
| Loan loss allowance to noncurrent loans | 148.6901% | 2,835 |
| Noncurrent assets plus other real estate owned to assets | 0.6101% | 3,237 |
| Noncurrent loans to loans | 0.5717% | 3,458 |
| Net loans and leases to total assets | 72.6727% | 1,943 |
| Net loans and leases to deposits | 88.4170% | 1,821 |
| Net loans and leases to core deposits | 93.8363% | 2,059 |
| Total domestic deposits to total assets | 82.1931% | 4,116 |
| Equity capital to assets | 10.0468% | 3,906 |
| Core capital (leverage) ratio | 8.5884% | 5,341 |
| Tier 1 risk-based capital ratio | 11.0631% | 5,490 |
| Total risk-based capital ratio | 11.9099% | 5,612 |
| Memoranda: |
| Average total assets | $1,378,697,200 | 519 |
| Average earning assets | $1,233,342,800 | 530 |
| Average equity | $150,780,000 | 501 |
| Average total loans | $997,426,200 | 482 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2602% | 2,362 |
| Cost of funding earning assets | 0.5309% | 1,959 |
| Net interest margin | 3.7293% | 2,648 |
| Noninterest income to average assets | 0.9541% | 1,305 |
| Noninterest expense to average assets | 2.6823% | 3,622 |
| Loan and lease loss provision to assets | 0.2697% | 601 |
| Net operating income to assets | 1.1056% | 1,982 |
| Return on assets (ROA) | 1.1155% | 2,018 |
| Pretax return on assets | 1.3351% | 2,262 |
| Return on Equity (ROE) | 9.9542% | 2,124 |
| Retained earnings to average equity (ytd only) | 3.6569% | 3,863 |
| Net charge-offs to loans | 0.2868% | 925 |
| Credit loss provision to net charge-offs | 130.4878% | 1,873 |
| Earnings coverage of net charge-offs (x) | 7.7088% | 2,886 |
| Efficiency ratio | 62.5112% | 4,490 |
| Assets per employee ($millions) | 6.0406% | 1,345 |
| Cash dividends to net income (ytd only)* | 63.2626% | 1,291 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8893% | 5,243 |
| Loan loss allowance to noncurrent loans | 101.3976% | 3,652 |
| Noncurrent assets plus other real estate owned to assets | 0.8835% | 2,666 |
| Noncurrent loans to loans | 0.8771% | 2,786 |
| Net loans and leases to total assets | 71.3171% | 2,170 |
| Net loans and leases to deposits | 86.3532% | 2,108 |
| Net loans and leases to core deposits | 91.8462% | 2,280 |
| Total domestic deposits to total assets | 82.5877% | 3,956 |
| Equity capital to assets | 10.4167% | 3,693 |
| Core capital (leverage) ratio | 8.8720% | 5,152 |
| Tier 1 risk-based capital ratio | 11.9248% | 5,127 |
| Total risk-based capital ratio | 12.8194% | 5,261 |
| Memoranda: |
| Average total assets | $1,322,587,000 | 545 |
| Average earning assets | $1,177,877,750 | 549 |
| Average equity | $148,209,000 | 514 |
| Average total loans | $953,024,500 | 500 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2804% | 2,240 |
| Cost of funding earning assets | 0.5567% | 1,763 |
| Net interest margin | 3.7237% | 2,606 |
| Noninterest income to average assets | 1.2207% | 814 |
| Noninterest expense to average assets | 2.8093% | 3,194 |
| Loan and lease loss provision to assets | 0.3564% | 366 |
| Net operating income to assets | 1.2377% | 1,503 |
| Return on assets (ROA) | 1.2522% | 1,516 |
| Pretax return on assets | 1.3738% | 2,090 |
| Return on Equity (ROE) | 10.8536% | 1,729 |
| Retained earnings to average equity (ytd only) | 9.4578% | 793 |
| Net charge-offs to loans | 0.2875% | 910 |
| Credit loss provision to net charge-offs | 171.9503% | 1,393 |
| Earnings coverage of net charge-offs (x) | 8.2712% | 2,576 |
| Efficiency ratio | 61.9188% | 4,689 |
| Assets per employee ($millions) | 6.4031% | 1,102 |
| Cash dividends to net income (ytd only)* | 12.8601% | 3,394 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9164% | 5,235 |
| Loan loss allowance to noncurrent loans | 99.1635% | 3,736 |
| Noncurrent assets plus other real estate owned to assets | 0.9064% | 2,719 |
| Noncurrent loans to loans | 0.9242% | 2,823 |
| Net loans and leases to total assets | 71.6620% | 2,052 |
| Net loans and leases to deposits | 87.1304% | 1,925 |
| Net loans and leases to core deposits | 94.1523% | 1,948 |
| Total domestic deposits to total assets | 82.2468% | 4,212 |
| Equity capital to assets | 10.5815% | 3,355 |
| Core capital (leverage) ratio | 8.9556% | 5,026 |
| Tier 1 risk-based capital ratio | 12.3988% | 4,877 |
| Total risk-based capital ratio | 13.3441% | 4,977 |
| Memoranda: |
| Average total assets | $1,241,944,670 | 573 |
| Average earning assets | $1,101,585,670 | 583 |
| Average equity | $143,288,670 | 529 |
| Average total loans | $895,440,000 | 526 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1059% | 2,806 |
| Cost of funding earning assets | 0.5771% | 1,602 |
| Net interest margin | 3.5287% | 3,304 |
| Noninterest income to average assets | 0.0612% | 6,200 |
| Noninterest expense to average assets | 2.5244% | 4,189 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.4191% | 4,998 |
| Return on assets (ROA) | 0.4468% | 5,002 |
| Pretax return on assets | 0.6740% | 4,674 |
| Return on Equity (ROE) | 3.6558% | 5,124 |
| Retained earnings to average equity (ytd only) | 0.6395% | 5,185 |
| Net charge-offs to loans | 0.1143% | 1,605 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 7.6861% | 2,148 |
| Efficiency ratio | 79.8855% | 1,911 |
| Assets per employee ($millions) | 5.8873% | 1,478 |
| Cash dividends to net income (ytd only)* | 82.5083% | 932 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1729% | 4,132 |
| Loan loss allowance to noncurrent loans | 106.8190% | 3,530 |
| Noncurrent assets plus other real estate owned to assets | 1.2166% | 2,198 |
| Noncurrent loans to loans | 1.0980% | 2,570 |
| Net loans and leases to total assets | 70.8934% | 2,003 |
| Net loans and leases to deposits | 102.6573% | 429 |
| Net loans and leases to core deposits | 107.1148% | 870 |
| Total domestic deposits to total assets | 69.0583% | 6,165 |
| Equity capital to assets | 12.2218% | 1,877 |
| Core capital (leverage) ratio | 10.4316% | 3,062 |
| Tier 1 risk-based capital ratio | 13.8159% | 4,139 |
| Total risk-based capital ratio | 14.9868% | 4,107 |
| Memoranda: |
| Average total assets | $1,084,936,000 | 652 |
| Average earning assets | $951,612,000 | 673 |
| Average equity | $132,611,000 | 573 |
| Average total loans | $780,487,000 | 594 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2440% | 2,804 |
| Cost of funding earning assets | 0.5688% | 2,054 |
| Net interest margin | 3.6752% | 3,102 |
| Noninterest income to average assets | 0.3045% | 4,937 |
| Noninterest expense to average assets | 2.3734% | 4,912 |
| Loan and lease loss provision to assets | 0.2772% | 772 |
| Net operating income to assets | 0.6011% | 4,363 |
| Return on assets (ROA) | 0.7384% | 3,794 |
| Pretax return on assets | 1.1299% | 2,967 |
| Return on Equity (ROE) | 6.1210% | 4,087 |
| Retained earnings to average equity (ytd only) | -0.8918% | 5,907 |
| Net charge-offs to loans | 0.3764% | 1,146 |
| Credit loss provision to net charge-offs | 101.9276% | 2,350 |
| Earnings coverage of net charge-offs (x) | 4.3977% | 3,663 |
| Efficiency ratio | 66.4133% | 4,176 |
| Assets per employee ($millions) | 6.0715% | 1,332 |
| Cash dividends to net income (ytd only)* | 114.5704% | 237 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2040% | 3,976 |
| Loan loss allowance to noncurrent loans | 113.6716% | 3,440 |
| Noncurrent assets plus other real estate owned to assets | 1.2526% | 2,249 |
| Noncurrent loans to loans | 1.0592% | 2,705 |
| Net loans and leases to total assets | 71.2753% | 2,037 |
| Net loans and leases to deposits | 96.4716% | 871 |
| Net loans and leases to core deposits | 104.4056% | 1,106 |
| Total domestic deposits to total assets | 73.8821% | 5,955 |
| Equity capital to assets | 12.2240% | 1,843 |
| Core capital (leverage) ratio | 9.9368% | 3,666 |
| Tier 1 risk-based capital ratio | 13.3399% | 4,521 |
| Total risk-based capital ratio | 14.5493% | 4,467 |
| Memoranda: |
| Average total assets | $1,087,416,400 | 617 |
| Average earning assets | $965,988,600 | 634 |
| Average equity | $131,188,600 | 552 |
| Average total loans | $785,684,000 | 557 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2532% | 2,799 |
| Cost of funding earning assets | 0.5574% | 2,218 |
| Net interest margin | 3.6958% | 3,038 |
| Noninterest income to average assets | 0.3667% | 4,491 |
| Noninterest expense to average assets | 2.3721% | 4,909 |
| Loan and lease loss provision to assets | 0.3036% | 643 |
| Net operating income to assets | 0.6274% | 4,314 |
| Return on assets (ROA) | 0.7945% | 3,553 |
| Pretax return on assets | 1.2297% | 2,652 |
| Return on Equity (ROE) | 6.6075% | 3,901 |
| Retained earnings to average equity (ytd only) | -1.7410% | 6,047 |
| Net charge-offs to loans | 0.3406% | 1,178 |
| Credit loss provision to net charge-offs | 123.3217% | 1,868 |
| Earnings coverage of net charge-offs (x) | 5.1840% | 3,310 |
| Efficiency ratio | 64.9374% | 4,382 |
| Assets per employee ($millions) | 6.2154% | 1,191 |
| Cash dividends to net income (ytd only)* | 126.3482% | 198 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2528% | 3,931 |
| Loan loss allowance to noncurrent loans | 126.9959% | 3,103 |
| Noncurrent assets plus other real estate owned to assets | 1.2034% | 2,544 |
| Noncurrent loans to loans | 0.9865% | 3,103 |
| Net loans and leases to total assets | 71.4203% | 1,945 |
| Net loans and leases to deposits | 96.2247% | 863 |
| Net loans and leases to core deposits | 105.4909% | 987 |
| Total domestic deposits to total assets | 74.2224% | 5,999 |
| Equity capital to assets | 12.1030% | 1,975 |
| Core capital (leverage) ratio | 9.5990% | 4,244 |
| Tier 1 risk-based capital ratio | 13.0256% | 4,852 |
| Total risk-based capital ratio | 14.2759% | 4,774 |
| Memoranda: |
| Average total assets | $1,089,089,500 | 617 |
| Average earning assets | $967,048,750 | 627 |
| Average equity | $130,958,750 | 556 |
| Average total loans | $787,186,000 | 560 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2543% | 2,759 |
| Cost of funding earning assets | 0.5397% | 2,439 |
| Net interest margin | 3.7146% | 2,903 |
| Noninterest income to average assets | 0.3525% | 4,605 |
| Noninterest expense to average assets | 2.3334% | 5,074 |
| Loan and lease loss provision to assets | 0.4263% | 389 |
| Net operating income to assets | 0.5603% | 4,544 |
| Return on assets (ROA) | 0.7909% | 3,476 |
| Pretax return on assets | 1.2497% | 2,454 |
| Return on Equity (ROE) | 6.5918% | 3,840 |
| Retained earnings to average equity (ytd only) | -2.5698% | 6,057 |
| Net charge-offs to loans | 0.4886% | 821 |
| Credit loss provision to net charge-offs | 120.7577% | 1,710 |
| Earnings coverage of net charge-offs (x) | 3.7265% | 3,232 |
| Efficiency ratio | 63.8650% | 4,709 |
| Assets per employee ($millions) | 6.0975% | 1,221 |
| Cash dividends to net income (ytd only)* | 138.9854% | 259 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2366% | 4,236 |
| Loan loss allowance to noncurrent loans | 111.1111% | 3,402 |
| Noncurrent assets plus other real estate owned to assets | 1.2003% | 2,689 |
| Noncurrent loans to loans | 1.1129% | 2,997 |
| Net loans and leases to total assets | 71.1996% | 1,884 |
| Net loans and leases to deposits | 95.2794% | 859 |
| Net loans and leases to core deposits | 109.7232% | 706 |
| Total domestic deposits to total assets | 74.7272% | 6,045 |
| Equity capital to assets | 12.0111% | 1,971 |
| Core capital (leverage) ratio | 9.4945% | 4,339 |
| Tier 1 risk-based capital ratio | 13.0071% | 4,907 |
| Total risk-based capital ratio | 14.2573% | 4,841 |
| Memoranda: |
| Average total assets | $1,091,625,670 | 617 |
| Average earning assets | $968,772,000 | 620 |
| Average equity | $130,981,000 | 555 |
| Average total loans | $788,849,330 | 554 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2777% | 2,602 |
| Cost of funding earning assets | 0.5254% | 2,655 |
| Net interest margin | 3.7523% | 2,667 |
| Noninterest income to average assets | 0.3964% | 4,217 |
| Noninterest expense to average assets | 2.3475% | 5,075 |
| Loan and lease loss provision to assets | 0.8105% | 147 |
| Net operating income to assets | 0.3609% | 5,270 |
| Return on assets (ROA) | 0.8039% | 3,214 |
| Pretax return on assets | 1.2615% | 2,242 |
| Return on Equity (ROE) | 6.7031% | 3,633 |
| Retained earnings to average equity (ytd only) | -2.4625% | 5,907 |
| Net charge-offs to loans | 0.9146% | 382 |
| Credit loss provision to net charge-offs | 122.4806% | 1,439 |
| Earnings coverage of net charge-offs (x) | 2.0853% | 2,955 |
| Efficiency ratio | 62.9018% | 5,012 |
| Assets per employee ($millions) | 6.0937% | 1,247 |
| Cash dividends to net income (ytd only)* | 136.7366% | 448 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2348% | 4,457 |
| Loan loss allowance to noncurrent loans | 70.0532% | 4,495 |
| Noncurrent assets plus other real estate owned to assets | 1.8728% | 1,845 |
| Noncurrent loans to loans | 1.7627% | 2,189 |
| Net loans and leases to total assets | 71.3896% | 1,663 |
| Net loans and leases to deposits | 96.7381% | 608 |
| Net loans and leases to core deposits | 114.4645% | 449 |
| Total domestic deposits to total assets | 73.7968% | 6,257 |
| Equity capital to assets | 12.0201% | 1,859 |
| Core capital (leverage) ratio | 9.5573% | 4,197 |
| Tier 1 risk-based capital ratio | 13.1645% | 4,914 |
| Total risk-based capital ratio | 14.4148% | 4,845 |
| Memoranda: |
| Average total assets | $1,091,712,000 | 622 |
| Average earning assets | $969,121,500 | 627 |
| Average equity | $130,924,000 | 554 |
| Average total loans | $789,854,000 | 553 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4424% | 2,424 |
| Cost of funding earning assets | 0.5995% | 2,662 |
| Net interest margin | 3.8429% | 2,488 |
| Noninterest income to average assets | 0.5339% | 3,533 |
| Noninterest expense to average assets | 2.7135% | 4,045 |
| Loan and lease loss provision to assets | 0.1901% | 1,940 |
| Net operating income to assets | 0.5976% | 4,270 |
| Return on assets (ROA) | 0.5636% | 4,559 |
| Pretax return on assets | 0.9640% | 3,501 |
| Return on Equity (ROE) | 4.4132% | 4,932 |
| Retained earnings to average equity (ytd only) | -6.0205% | 6,415 |
| Net charge-offs to loans | 0.3350% | 2,000 |
| Credit loss provision to net charge-offs | 79.3920% | 3,060 |
| Earnings coverage of net charge-offs (x) | 5.0422% | 3,397 |
| Efficiency ratio | 69.1086% | 3,991 |
| Assets per employee ($millions) | 5.7508% | 1,443 |
| Cash dividends to net income (ytd only)* | 236.4185% | 54 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1791% | 4,760 |
| Loan loss allowance to noncurrent loans | 103.9902% | 3,528 |
| Noncurrent assets plus other real estate owned to assets | 1.5029% | 2,469 |
| Noncurrent loans to loans | 1.1339% | 3,276 |
| Net loans and leases to total assets | 71.5639% | 1,761 |
| Net loans and leases to deposits | 97.7042% | 606 |
| Net loans and leases to core deposits | 112.6643% | 506 |
| Total domestic deposits to total assets | 73.2455% | 6,334 |
| Equity capital to assets | 11.9650% | 1,829 |
| Core capital (leverage) ratio | 9.5266% | 4,225 |
| Tier 1 risk-based capital ratio | 13.0741% | 4,926 |
| Total risk-based capital ratio | 14.2932% | 4,893 |
| Memoranda: |
| Average total assets | $1,058,124,400 | 623 |
| Average earning assets | $932,499,600 | 638 |
| Average equity | $135,139,000 | 535 |
| Average total loans | $756,165,000 | 558 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4479% | 2,434 |
| Cost of funding earning assets | 0.6194% | 2,652 |
| Net interest margin | 3.8285% | 2,545 |
| Noninterest income to average assets | 0.5690% | 3,344 |
| Noninterest expense to average assets | 2.7400% | 3,866 |
| Loan and lease loss provision to assets | 0.1345% | 2,598 |
| Net operating income to assets | 0.6508% | 4,120 |
| Return on assets (ROA) | 0.6743% | 4,133 |
| Pretax return on assets | 1.0987% | 3,117 |
| Return on Equity (ROE) | 5.1946% | 4,629 |
| Retained earnings to average equity (ytd only) | -7.0384% | 6,575 |
| Net charge-offs to loans | 0.1613% | 2,945 |
| Credit loss provision to net charge-offs | 117.1460% | 2,007 |
| Earnings coverage of net charge-offs (x) | 10.4171% | 2,360 |
| Efficiency ratio | 69.5014% | 3,837 |
| Assets per employee ($millions) | 5.3980% | 1,734 |
| Cash dividends to net income (ytd only)* | 235.4935% | 50 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2894% | 4,451 |
| Loan loss allowance to noncurrent loans | 94.2989% | 3,626 |
| Noncurrent assets plus other real estate owned to assets | 1.7390% | 2,356 |
| Noncurrent loans to loans | 1.3673% | 3,129 |
| Net loans and leases to total assets | 71.3185% | 1,725 |
| Net loans and leases to deposits | 92.2610% | 963 |
| Net loans and leases to core deposits | 104.2385% | 866 |
| Total domestic deposits to total assets | 77.3009% | 6,003 |
| Equity capital to assets | 12.1536% | 1,821 |
| Core capital (leverage) ratio | 9.5014% | 4,403 |
| Tier 1 risk-based capital ratio | 12.8819% | 5,201 |
| Total risk-based capital ratio | 14.1327% | 5,138 |
| Memoranda: |
| Average total assets | $1,049,493,750 | 628 |
| Average earning assets | $923,080,500 | 648 |
| Average equity | $136,240,000 | 535 |
| Average total loans | $747,388,500 | 562 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4544% | 2,361 |
| Cost of funding earning assets | 0.6424% | 2,570 |
| Net interest margin | 3.8121% | 2,507 |
| Noninterest income to average assets | 0.5117% | 3,760 |
| Noninterest expense to average assets | 2.7837% | 3,728 |
| Loan and lease loss provision to assets | 0.1172% | 2,861 |
| Net operating income to assets | 0.5997% | 4,284 |
| Return on assets (ROA) | 0.6354% | 4,280 |
| Pretax return on assets | 1.0153% | 3,435 |
| Return on Equity (ROE) | 4.7895% | 4,833 |
| Retained earnings to average equity (ytd only) | -3.8976% | 6,389 |
| Net charge-offs to loans | 0.1832% | 2,662 |
| Credit loss provision to net charge-offs | 90.2367% | 2,435 |
| Earnings coverage of net charge-offs (x) | 8.2929% | 2,423 |
| Efficiency ratio | 71.9887% | 3,469 |
| Assets per employee ($millions) | 5.2778% | 1,817 |
| Cash dividends to net income (ytd only)* | 181.3785% | 123 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3100% | 4,458 |
| Loan loss allowance to noncurrent loans | 65.3795% | 4,579 |
| Noncurrent assets plus other real estate owned to assets | 2.1763% | 1,982 |
| Noncurrent loans to loans | 2.0036% | 2,399 |
| Net loans and leases to total assets | 70.1955% | 1,853 |
| Net loans and leases to deposits | 92.3680% | 928 |
| Net loans and leases to core deposits | 101.6557% | 963 |
| Total domestic deposits to total assets | 75.9955% | 6,248 |
| Equity capital to assets | 12.8465% | 1,402 |
| Core capital (leverage) ratio | 10.1225% | 3,331 |
| Tier 1 risk-based capital ratio | 13.7225% | 4,628 |
| Total risk-based capital ratio | 14.9733% | 4,593 |
| Memoranda: |
| Average total assets | $1,041,260,000 | 633 |
| Average earning assets | $914,726,670 | 652 |
| Average equity | $138,135,670 | 529 |
| Average total loans | $737,815,670 | 566 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4671% | 2,288 |
| Cost of funding earning assets | 0.6674% | 2,505 |
| Net interest margin | 3.7997% | 2,452 |
| Noninterest income to average assets | 0.4487% | 4,124 |
| Noninterest expense to average assets | 2.7872% | 3,743 |
| Loan and lease loss provision to assets | 0.1146% | 2,800 |
| Net operating income to assets | 0.5561% | 4,424 |
| Return on assets (ROA) | 0.6277% | 4,243 |
| Pretax return on assets | 1.0020% | 3,345 |
| Return on Equity (ROE) | 4.6572% | 4,761 |
| Retained earnings to average equity (ytd only) | -1.0677% | 5,963 |
| Net charge-offs to loans | 0.2553% | 1,936 |
| Credit loss provision to net charge-offs | 63.4615% | 2,382 |
| Earnings coverage of net charge-offs (x) | 5.5641% | 2,354 |
| Efficiency ratio | 73.3618% | 3,379 |
| Assets per employee ($millions) | 5.2701% | 1,902 |
| Cash dividends to net income (ytd only)* | 122.9256% | 478 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3201% | 4,595 |
| Loan loss allowance to noncurrent loans | 51.2683% | 5,112 |
| Noncurrent assets plus other real estate owned to assets | 2.4679% | 1,870 |
| Noncurrent loans to loans | 2.5748% | 2,005 |
| Net loans and leases to total assets | 70.0605% | 1,649 |
| Net loans and leases to deposits | 92.4369% | 767 |
| Net loans and leases to core deposits | 98.8139% | 1,023 |
| Total domestic deposits to total assets | 75.7928% | 6,383 |
| Equity capital to assets | 13.4915% | 1,215 |
| Core capital (leverage) ratio | 10.4229% | 2,878 |
| Tier 1 risk-based capital ratio | 14.1056% | 4,426 |
| Total risk-based capital ratio | 15.3565% | 4,382 |
| Memoranda: |
| Average total assets | $1,036,749,000 | 646 |
| Average earning assets | $912,181,500 | 658 |
| Average equity | $139,741,000 | 529 |
| Average total loans | $733,205,000 | 574 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7972% | 2,211 |
| Cost of funding earning assets | 0.9284% | 1,768 |
| Net interest margin | 3.8688% | 2,950 |
| Noninterest income to average assets | 0.4604% | 4,173 |
| Noninterest expense to average assets | 2.8379% | 3,882 |
| Loan and lease loss provision to assets | 0.4239% | 1,501 |
| Net operating income to assets | 0.3599% | 5,254 |
| Return on assets (ROA) | 0.4569% | 5,103 |
| Pretax return on assets | 0.7217% | 4,587 |
| Return on Equity (ROE) | 3.4988% | 5,350 |
| Retained earnings to average equity (ytd only) | 3.4988% | 3,755 |
| Net charge-offs to loans | 0.9858% | 1,108 |
| Credit loss provision to net charge-offs | 61.4294% | 4,407 |
| Earnings coverage of net charge-offs (x) | 1.4404% | 4,727 |
| Efficiency ratio | 73.8215% | 3,096 |
| Assets per employee ($millions) | 5.3915% | 1,792 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3440% | 4,437 |
| Loan loss allowance to noncurrent loans | 48.5799% | 5,201 |
| Noncurrent assets plus other real estate owned to assets | 2.6971% | 1,787 |
| Noncurrent loans to loans | 2.7665% | 1,909 |
| Net loans and leases to total assets | 69.5006% | 1,942 |
| Net loans and leases to deposits | 91.8650% | 919 |
| Net loans and leases to core deposits | 98.6427% | 1,100 |
| Total domestic deposits to total assets | 75.6551% | 6,395 |
| Equity capital to assets | 13.4661% | 1,240 |
| Core capital (leverage) ratio | 10.3625% | 2,934 |
| Tier 1 risk-based capital ratio | 14.1246% | 4,296 |
| Total risk-based capital ratio | 15.3758% | 4,248 |
| Memoranda: |
| Average total assets | $1,052,448,000 | 627 |
| Average earning assets | $917,129,800 | 652 |
| Average equity | $137,448,600 | 527 |
| Average total loans | $736,672,000 | 558 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8493% | 2,201 |
| Cost of funding earning assets | 0.9902% | 1,624 |
| Net interest margin | 3.8590% | 3,082 |
| Noninterest income to average assets | 0.4884% | 3,992 |
| Noninterest expense to average assets | 2.8818% | 3,669 |
| Loan and lease loss provision to assets | 0.3223% | 2,044 |
| Net operating income to assets | 0.4624% | 4,982 |
| Return on assets (ROA) | 0.5493% | 4,886 |
| Pretax return on assets | 0.7620% | 4,626 |
| Return on Equity (ROE) | 4.2383% | 5,176 |
| Retained earnings to average equity (ytd only) | 4.2383% | 3,911 |
| Net charge-offs to loans | 0.4919% | 2,139 |
| Credit loss provision to net charge-offs | 93.7523% | 3,183 |
| Earnings coverage of net charge-offs (x) | 2.8034% | 3,916 |
| Efficiency ratio | 74.7011% | 2,875 |
| Assets per employee ($millions) | 5.4331% | 1,699 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6836% | 3,202 |
| Loan loss allowance to noncurrent loans | 63.6012% | 4,500 |
| Noncurrent assets plus other real estate owned to assets | 2.6636% | 1,977 |
| Noncurrent loans to loans | 2.6471% | 2,143 |
| Net loans and leases to total assets | 69.8830% | 1,930 |
| Net loans and leases to deposits | 96.2935% | 639 |
| Net loans and leases to core deposits | 102.5945% | 951 |
| Total domestic deposits to total assets | 72.5729% | 6,708 |
| Equity capital to assets | 13.3846% | 1,396 |
| Core capital (leverage) ratio | 9.9441% | 3,621 |
| Tier 1 risk-based capital ratio | 13.4862% | 4,887 |
| Total risk-based capital ratio | 14.7418% | 4,840 |
| Memoranda: |
| Average total assets | $1,055,421,500 | 628 |
| Average earning assets | $918,131,250 | 654 |
| Average equity | $136,780,250 | 529 |
| Average total loans | $737,579,250 | 558 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8648% | 2,252 |
| Cost of funding earning assets | 1.0534% | 1,452 |
| Net interest margin | 3.8114% | 3,309 |
| Noninterest income to average assets | 0.5150% | 3,821 |
| Noninterest expense to average assets | 2.8979% | 3,625 |
| Loan and lease loss provision to assets | 0.3475% | 1,894 |
| Net operating income to assets | 0.3923% | 5,233 |
| Return on assets (ROA) | 0.5148% | 5,012 |
| Pretax return on assets | 0.7571% | 4,618 |
| Return on Equity (ROE) | 4.0152% | 5,257 |
| Retained earnings to average equity (ytd only) | 4.0152% | 3,939 |
| Net charge-offs to loans | 0.4957% | 2,100 |
| Credit loss provision to net charge-offs | 100.8767% | 2,698 |
| Earnings coverage of net charge-offs (x) | 2.6838% | 3,668 |
| Efficiency ratio | 75.5704% | 2,814 |
| Assets per employee ($millions) | 5.6050% | 1,523 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7141% | 3,165 |
| Loan loss allowance to noncurrent loans | 49.5754% | 5,138 |
| Noncurrent assets plus other real estate owned to assets | 3.1220% | 1,746 |
| Noncurrent loans to loans | 3.4575% | 1,666 |
| Net loans and leases to total assets | 69.3091% | 2,051 |
| Net loans and leases to deposits | 91.5978% | 993 |
| Net loans and leases to core deposits | 103.2750% | 902 |
| Total domestic deposits to total assets | 75.6668% | 6,504 |
| Equity capital to assets | 13.0683% | 1,479 |
| Core capital (leverage) ratio | 9.7101% | 3,819 |
| Tier 1 risk-based capital ratio | 13.1300% | 5,094 |
| Total risk-based capital ratio | 14.3856% | 5,060 |
| Memoranda: |
| Average total assets | $1,059,512,670 | 628 |
| Average earning assets | $919,456,000 | 654 |
| Average equity | $135,833,330 | 532 |
| Average total loans | $736,283,670 | 557 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9068% | 2,210 |
| Cost of funding earning assets | 1.0991% | 1,410 |
| Net interest margin | 3.8077% | 3,360 |
| Noninterest income to average assets | 0.4720% | 4,129 |
| Noninterest expense to average assets | 2.7007% | 4,421 |
| Loan and lease loss provision to assets | 0.2527% | 2,428 |
| Net operating income to assets | 0.5495% | 4,598 |
| Return on assets (ROA) | 0.5941% | 4,587 |
| Pretax return on assets | 0.8971% | 4,040 |
| Return on Equity (ROE) | 4.6783% | 4,943 |
| Retained earnings to average equity (ytd only) | 4.6783% | 3,759 |
| Net charge-offs to loans | 0.5253% | 1,774 |
| Credit loss provision to net charge-offs | 69.7409% | 2,918 |
| Earnings coverage of net charge-offs (x) | 2.9865% | 2,996 |
| Efficiency ratio | 71.1435% | 3,595 |
| Assets per employee ($millions) | 5.5735% | 1,631 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6862% | 3,404 |
| Loan loss allowance to noncurrent loans | 44.6262% | 5,372 |
| Noncurrent assets plus other real estate owned to assets | 3.4010% | 1,691 |
| Noncurrent loans to loans | 3.7784% | 1,638 |
| Net loans and leases to total assets | 68.0593% | 2,102 |
| Net loans and leases to deposits | 93.8144% | 679 |
| Net loans and leases to core deposits | 102.5797% | 832 |
| Total domestic deposits to total assets | 72.5467% | 6,852 |
| Equity capital to assets | 12.8659% | 1,503 |
| Core capital (leverage) ratio | 9.4824% | 4,075 |
| Tier 1 risk-based capital ratio | 12.8586% | 5,316 |
| Total risk-based capital ratio | 14.1136% | 5,294 |
| Memoranda: |
| Average total assets | $1,065,203,000 | 626 |
| Average earning assets | $926,230,500 | 651 |
| Average equity | $135,263,500 | 530 |
| Average total loans | $734,865,500 | 556 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9670% | 3,038 |
| Cost of funding earning assets | 1.2695% | 1,629 |
| Net interest margin | 3.6975% | 4,306 |
| Noninterest income to average assets | 0.4123% | 4,516 |
| Noninterest expense to average assets | 2.6477% | 4,934 |
| Loan and lease loss provision to assets | 1.8353% | 352 |
| Net operating income to assets | 0.8462% | 2,845 |
| Return on assets (ROA) | 0.7678% | 3,345 |
| Pretax return on assets | -0.9407% | 6,707 |
| Return on Equity (ROE) | 6.2874% | 3,740 |
| Retained earnings to average equity (ytd only) | 6.2874% | 1,859 |
| Net charge-offs to loans | 2.5509% | 450 |
| Credit loss provision to net charge-offs | 100.5900% | 3,468 |
| Earnings coverage of net charge-offs (x) | 0.5574% | 5,415 |
| Efficiency ratio | 71.9650% | 3,583 |
| Assets per employee ($millions) | 5.6097% | 1,523 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7176% | 3,135 |
| Loan loss allowance to noncurrent loans | 40.7320% | 5,555 |
| Noncurrent assets plus other real estate owned to assets | 3.7156% | 1,577 |
| Noncurrent loans to loans | 4.2169% | 1,456 |
| Net loans and leases to total assets | 67.5719% | 2,477 |
| Net loans and leases to deposits | 93.0633% | 879 |
| Net loans and leases to core deposits | 101.6508% | 1,053 |
| Total domestic deposits to total assets | 72.6086% | 6,839 |
| Equity capital to assets | 12.5329% | 1,780 |
| Core capital (leverage) ratio | 9.1519% | 4,545 |
| Tier 1 risk-based capital ratio | 12.5679% | 5,394 |
| Total risk-based capital ratio | 13.8233% | 5,379 |
| Memoranda: |
| Average total assets | $1,068,310,200 | 614 |
| Average earning assets | $939,716,200 | 630 |
| Average equity | $130,466,600 | 533 |
| Average total loans | $764,118,800 | 535 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9954% | 3,102 |
| Cost of funding earning assets | 1.2825% | 1,800 |
| Net interest margin | 3.7128% | 4,275 |
| Noninterest income to average assets | 0.5826% | 3,279 |
| Noninterest expense to average assets | 2.6145% | 5,024 |
| Loan and lease loss provision to assets | 1.8826% | 306 |
| Net operating income to assets | 1.2814% | 1,430 |
| Return on assets (ROA) | 1.2728% | 1,555 |
| Pretax return on assets | -0.6495% | 6,706 |
| Return on Equity (ROE) | 10.4914% | 2,037 |
| Retained earnings to average equity (ytd only) | 10.4914% | 731 |
| Net charge-offs to loans | 2.3267% | 501 |
| Credit loss provision to net charge-offs | 112.0336% | 2,923 |
| Earnings coverage of net charge-offs (x) | 0.7418% | 5,056 |
| Efficiency ratio | 67.4441% | 4,435 |
| Assets per employee ($millions) | 5.2888% | 1,828 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8902% | 2,644 |
| Loan loss allowance to noncurrent loans | 33.7489% | 6,043 |
| Noncurrent assets plus other real estate owned to assets | 4.5680% | 1,307 |
| Noncurrent loans to loans | 5.6007% | 1,049 |
| Net loans and leases to total assets | 68.1065% | 2,470 |
| Net loans and leases to deposits | 94.5388% | 792 |
| Net loans and leases to core deposits | 100.8760% | 1,174 |
| Total domestic deposits to total assets | 72.0408% | 6,932 |
| Equity capital to assets | 12.5131% | 1,911 |
| Core capital (leverage) ratio | 9.6952% | 3,857 |
| Tier 1 risk-based capital ratio | 12.7871% | 5,260 |
| Total risk-based capital ratio | 14.0440% | 5,236 |
| Memoranda: |
| Average total assets | $1,067,525,750 | 624 |
| Average earning assets | $942,581,750 | 639 |
| Average equity | $129,512,500 | 542 |
| Average total loans | $770,985,750 | 537 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0327% | 3,000 |
| Cost of funding earning assets | 1.2954% | 1,966 |
| Net interest margin | 3.7374% | 4,089 |
| Noninterest income to average assets | 0.7837% | 2,098 |
| Noninterest expense to average assets | 2.5627% | 5,317 |
| Loan and lease loss provision to assets | 1.1866% | 661 |
| Net operating income to assets | 1.7008% | 599 |
| Return on assets (ROA) | 1.6890% | 662 |
| Pretax return on assets | 0.3343% | 5,586 |
| Return on Equity (ROE) | 14.0710% | 968 |
| Retained earnings to average equity (ytd only) | 14.0710% | 312 |
| Net charge-offs to loans | 1.4177% | 1,068 |
| Credit loss provision to net charge-offs | 114.3919% | 2,678 |
| Earnings coverage of net charge-offs (x) | 1.4776% | 4,175 |
| Efficiency ratio | 62.3175% | 5,539 |
| Assets per employee ($millions) | 5.2872% | 1,774 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7309% | 3,219 |
| Loan loss allowance to noncurrent loans | 28.9694% | 6,322 |
| Noncurrent assets plus other real estate owned to assets | 4.8178% | 1,287 |
| Noncurrent loans to loans | 5.9750% | 1,003 |
| Net loans and leases to total assets | 70.8693% | 2,038 |
| Net loans and leases to deposits | 96.3652% | 697 |
| Net loans and leases to core deposits | 108.8982% | 762 |
| Total domestic deposits to total assets | 73.5423% | 6,884 |
| Equity capital to assets | 12.4509% | 1,812 |
| Core capital (leverage) ratio | 9.9244% | 3,357 |
| Tier 1 risk-based capital ratio | 12.8688% | 5,028 |
| Total risk-based capital ratio | 14.1221% | 4,997 |
| Memoranda: |
| Average total assets | $1,063,727,330 | 632 |
| Average earning assets | $942,592,330 | 643 |
| Average equity | $127,681,000 | 548 |
| Average total loans | $778,323,670 | 542 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1720% | 2,343 |
| Cost of funding earning assets | 1.3186% | 2,076 |
| Net interest margin | 3.8534% | 3,365 |
| Noninterest income to average assets | 0.4311% | 4,445 |
| Noninterest expense to average assets | 2.5713% | 5,326 |
| Loan and lease loss provision to assets | 0.9043% | 889 |
| Net operating income to assets | 3.1575% | 104 |
| Return on assets (ROA) | 3.1338% | 108 |
| Pretax return on assets | 0.3508% | 5,503 |
| Return on Equity (ROE) | 26.6075% | 127 |
| Retained earnings to average equity (ytd only) | 26.6075% | 82 |
| Net charge-offs to loans | 0.9745% | 1,382 |
| Credit loss provision to net charge-offs | 125.9182% | 2,184 |
| Earnings coverage of net charge-offs (x) | 1.7807% | 3,413 |
| Efficiency ratio | 66.5101% | 4,945 |
| Assets per employee ($millions) | 5.2309% | 1,851 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6736% | 3,433 |
| Loan loss allowance to noncurrent loans | 29.8680% | 6,305 |
| Noncurrent assets plus other real estate owned to assets | 4.5191% | 1,439 |
| Noncurrent loans to loans | 5.6034% | 1,163 |
| Net loans and leases to total assets | 72.1018% | 1,700 |
| Net loans and leases to deposits | 100.2220% | 454 |
| Net loans and leases to core deposits | 113.0568% | 625 |
| Total domestic deposits to total assets | 71.9421% | 7,080 |
| Equity capital to assets | 12.1994% | 1,794 |
| Core capital (leverage) ratio | 9.8658% | 3,321 |
| Tier 1 risk-based capital ratio | 12.3466% | 5,398 |
| Total risk-based capital ratio | 13.6009% | 5,386 |
| Memoranda: |
| Average total assets | $1,061,583,000 | 637 |
| Average earning assets | $941,921,000 | 647 |
| Average equity | $125,032,500 | 556 |
| Average total loans | $782,372,000 | 548 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3334% | 2,965 |
| Cost of funding earning assets | 1.5677% | 2,259 |
| Net interest margin | 3.7657% | 4,082 |
| Noninterest income to average assets | 0.4127% | 4,799 |
| Noninterest expense to average assets | 2.5663% | 5,557 |
| Loan and lease loss provision to assets | 0.7027% | 2,331 |
| Net operating income to assets | 0.6281% | 3,545 |
| Return on assets (ROA) | 0.3851% | 4,758 |
| Pretax return on assets | 0.2482% | 5,361 |
| Return on Equity (ROE) | 3.4599% | 4,769 |
| Retained earnings to average equity (ytd only) | 3.4599% | 3,446 |
| Net charge-offs to loans | 1.0447% | 2,113 |
| Credit loss provision to net charge-offs | 90.8716% | 5,091 |
| Earnings coverage of net charge-offs (x) | 1.5439% | 4,586 |
| Efficiency ratio | 67.8999% | 4,584 |
| Assets per employee ($millions) | 5.1770% | 1,894 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5950% | 3,591 |
| Loan loss allowance to noncurrent loans | 28.8455% | 6,361 |
| Noncurrent assets plus other real estate owned to assets | 4.4090% | 1,513 |
| Noncurrent loans to loans | 5.5295% | 1,186 |
| Net loans and leases to total assets | 72.8870% | 1,904 |
| Net loans and leases to deposits | 102.2836% | 476 |
| Net loans and leases to core deposits | 113.2446% | 759 |
| Total domestic deposits to total assets | 71.2597% | 7,153 |
| Equity capital to assets | 11.3563% | 2,371 |
| Core capital (leverage) ratio | 9.9633% | 3,135 |
| Tier 1 risk-based capital ratio | 12.6456% | 4,900 |
| Total risk-based capital ratio | 13.8993% | 4,882 |
| Memoranda: |
| Average total assets | $1,066,768,200 | 629 |
| Average earning assets | $948,262,200 | 639 |
| Average equity | $118,732,200 | 571 |
| Average total loans | $789,607,200 | 553 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3799% | 2,971 |
| Cost of funding earning assets | 1.6165% | 2,298 |
| Net interest margin | 3.7634% | 4,120 |
| Noninterest income to average assets | 0.4154% | 4,835 |
| Noninterest expense to average assets | 2.5720% | 5,423 |
| Loan and lease loss provision to assets | 0.5807% | 2,607 |
| Net operating income to assets | 0.7926% | 3,032 |
| Return on assets (ROA) | 0.4038% | 4,908 |
| Pretax return on assets | 0.2177% | 5,688 |
| Return on Equity (ROE) | 3.6465% | 4,937 |
| Retained earnings to average equity (ytd only) | 3.6465% | 3,884 |
| Net charge-offs to loans | 0.8988% | 2,202 |
| Credit loss provision to net charge-offs | 87.2959% | 4,881 |
| Earnings coverage of net charge-offs (x) | 1.7848% | 4,378 |
| Efficiency ratio | 68.0668% | 4,453 |
| Assets per employee ($millions) | 5.1183% | 2,035 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6282% | 3,413 |
| Loan loss allowance to noncurrent loans | 38.3209% | 5,762 |
| Noncurrent assets plus other real estate owned to assets | 3.5674% | 1,995 |
| Noncurrent loans to loans | 4.2487% | 1,716 |
| Net loans and leases to total assets | 72.3225% | 2,185 |
| Net loans and leases to deposits | 100.9750% | 585 |
| Net loans and leases to core deposits | 111.5279% | 956 |
| Total domestic deposits to total assets | 71.6242% | 7,169 |
| Equity capital to assets | 11.5491% | 2,494 |
| Core capital (leverage) ratio | 9.8115% | 3,471 |
| Tier 1 risk-based capital ratio | 12.3204% | 5,153 |
| Total risk-based capital ratio | 13.5740% | 5,130 |
| Memoranda: |
| Average total assets | $1,068,137,750 | 621 |
| Average earning assets | $949,046,250 | 630 |
| Average equity | $118,284,500 | 566 |
| Average total loans | $790,489,000 | 551 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3627% | 3,146 |
| Cost of funding earning assets | 1.6494% | 2,392 |
| Net interest margin | 3.7133% | 4,302 |
| Noninterest income to average assets | 0.4055% | 4,868 |
| Noninterest expense to average assets | 2.6104% | 5,277 |
| Loan and lease loss provision to assets | 0.3639% | 3,526 |
| Net operating income to assets | 0.8319% | 2,816 |
| Return on assets (ROA) | 0.2506% | 5,512 |
| Pretax return on assets | 0.1512% | 5,882 |
| Return on Equity (ROE) | 2.2950% | 5,544 |
| Retained earnings to average equity (ytd only) | 2.2950% | 4,697 |
| Net charge-offs to loans | 0.8406% | 2,144 |
| Credit loss provision to net charge-offs | 58.3732% | 5,247 |
| Earnings coverage of net charge-offs (x) | 1.7587% | 4,201 |
| Efficiency ratio | 70.0583% | 4,186 |
| Assets per employee ($millions) | 5.0111% | 2,172 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5141% | 3,848 |
| Loan loss allowance to noncurrent loans | 40.7426% | 5,625 |
| Noncurrent assets plus other real estate owned to assets | 3.0657% | 2,322 |
| Noncurrent loans to loans | 3.7164% | 2,100 |
| Net loans and leases to total assets | 72.2760% | 2,331 |
| Net loans and leases to deposits | 98.2179% | 852 |
| Net loans and leases to core deposits | 113.4133% | 951 |
| Total domestic deposits to total assets | 73.5874% | 7,030 |
| Equity capital to assets | 11.1060% | 2,766 |
| Core capital (leverage) ratio | 9.5271% | 3,781 |
| Tier 1 risk-based capital ratio | 11.8705% | 5,425 |
| Total risk-based capital ratio | 13.1226% | 5,396 |
| Memoranda: |
| Average total assets | $1,072,724,330 | 615 |
| Average earning assets | $953,702,330 | 626 |
| Average equity | $117,122,330 | 567 |
| Average total loans | $795,594,000 | 551 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3190% | 3,452 |
| Cost of funding earning assets | 1.6990% | 2,395 |
| Net interest margin | 3.6200% | 4,624 |
| Noninterest income to average assets | 0.3982% | 4,929 |
| Noninterest expense to average assets | 2.5341% | 5,601 |
| Loan and lease loss provision to assets | 0.0910% | 5,723 |
| Net operating income to assets | 1.1867% | 1,574 |
| Return on assets (ROA) | 0.2282% | 5,704 |
| Pretax return on assets | 0.0295% | 6,299 |
| Return on Equity (ROE) | 2.1079% | 5,723 |
| Retained earnings to average equity (ytd only) | 2.1079% | 4,869 |
| Net charge-offs to loans | 0.8396% | 1,854 |
| Credit loss provision to net charge-offs | 14.5325% | 5,004 |
| Earnings coverage of net charge-offs (x) | 1.7236% | 3,698 |
| Efficiency ratio | 69.7348% | 4,361 |
| Assets per employee ($millions) | 5.2086% | 1,956 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4908% | 3,951 |
| Loan loss allowance to noncurrent loans | 39.8871% | 5,703 |
| Noncurrent assets plus other real estate owned to assets | 3.0092% | 2,380 |
| Noncurrent loans to loans | 3.7375% | 2,129 |
| Net loans and leases to total assets | 73.1377% | 2,169 |
| Net loans and leases to deposits | 101.9789% | 646 |
| Net loans and leases to core deposits | 116.1981% | 940 |
| Total domestic deposits to total assets | 71.7185% | 7,288 |
| Equity capital to assets | 10.9507% | 2,807 |
| Core capital (leverage) ratio | 9.4023% | 3,902 |
| Tier 1 risk-based capital ratio | 11.9695% | 5,226 |
| Total risk-based capital ratio | 13.2220% | 5,184 |
| Memoranda: |
| Average total assets | $1,072,904,000 | 632 |
| Average earning assets | $952,810,000 | 639 |
| Average equity | $116,135,000 | 579 |
| Average total loans | $799,902,000 | 571 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6691% | 3,259 |
| Cost of funding earning assets | 2.0028% | 2,951 |
| Net interest margin | 3.6663% | 4,276 |
| Noninterest income to average assets | 0.3448% | 5,622 |
| Noninterest expense to average assets | 2.5677% | 5,901 |
| Loan and lease loss provision to assets | 1.2079% | 1,904 |
| Net operating income to assets | -1.2818% | 6,753 |
| Return on assets (ROA) | -1.6433% | 6,934 |
| Pretax return on assets | -0.5383% | 6,043 |
| Return on Equity (ROE) | -14.4982% | 6,910 |
| Retained earnings to average equity (ytd only) | -14.4982% | 6,855 |
| Net charge-offs to loans | 1.3782% | 1,820 |
| Credit loss provision to net charge-offs | 118.6778% | 4,538 |
| Earnings coverage of net charge-offs (x) | 1.0131% | 5,104 |
| Efficiency ratio | 70.8361% | 4,471 |
| Assets per employee ($millions) | 5.3375% | 1,800 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6573% | 3,057 |
| Loan loss allowance to noncurrent loans | 40.0355% | 5,741 |
| Noncurrent assets plus other real estate owned to assets | 3.5481% | 1,887 |
| Noncurrent loans to loans | 4.1395% | 1,773 |
| Net loans and leases to total assets | 73.6244% | 2,355 |
| Net loans and leases to deposits | 106.8252% | 512 |
| Net loans and leases to core deposits | 130.8173% | 1,235 |
| Total domestic deposits to total assets | 68.9205% | 7,491 |
| Equity capital to assets | 10.6980% | 2,968 |
| Core capital (leverage) ratio | 9.3736% | 3,868 |
| Tier 1 risk-based capital ratio | 11.4528% | 5,452 |
| Total risk-based capital ratio | 12.7067% | 5,410 |
| Memoranda: |
| Average total assets | $1,089,409,400 | 616 |
| Average earning assets | $966,926,000 | 623 |
| Average equity | $123,477,800 | 537 |
| Average total loans | $804,509,000 | 573 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7130% | 3,281 |
| Cost of funding earning assets | 2.0644% | 3,054 |
| Net interest margin | 3.6486% | 4,282 |
| Noninterest income to average assets | 0.3700% | 5,553 |
| Noninterest expense to average assets | 2.5135% | 6,028 |
| Loan and lease loss provision to assets | 1.5088% | 1,271 |
| Net operating income to assets | -1.8831% | 7,267 |
| Return on assets (ROA) | -2.3276% | 7,411 |
| Pretax return on assets | -0.8599% | 6,579 |
| Return on Equity (ROE) | -20.2572% | 7,380 |
| Retained earnings to average equity (ytd only) | -20.2572% | 7,346 |
| Net charge-offs to loans | 1.6296% | 1,252 |
| Credit loss provision to net charge-offs | 125.8005% | 3,999 |
| Earnings coverage of net charge-offs (x) | 0.9117% | 5,145 |
| Efficiency ratio | 69.1715% | 4,753 |
| Assets per employee ($millions) | 5.2315% | 1,856 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7132% | 2,578 |
| Loan loss allowance to noncurrent loans | 37.9246% | 5,846 |
| Noncurrent assets plus other real estate owned to assets | 3.4518% | 1,936 |
| Noncurrent loans to loans | 4.5173% | 1,546 |
| Net loans and leases to total assets | 74.0670% | 2,499 |
| Net loans and leases to deposits | 103.2754% | 824 |
| Net loans and leases to core deposits | 128.2324% | 1,562 |
| Total domestic deposits to total assets | 71.7179% | 7,244 |
| Equity capital to assets | 10.5831% | 3,421 |
| Core capital (leverage) ratio | 9.0258% | 4,609 |
| Tier 1 risk-based capital ratio | 10.8868% | 6,068 |
| Total risk-based capital ratio | 12.1406% | 6,023 |
| Memoranda: |
| Average total assets | $1,093,552,250 | 622 |
| Average earning assets | $970,138,250 | 635 |
| Average equity | $125,654,250 | 543 |
| Average total loans | $804,840,750 | 588 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7700% | 3,193 |
| Cost of funding earning assets | 2.1441% | 3,068 |
| Net interest margin | 3.6258% | 4,261 |
| Noninterest income to average assets | 0.4042% | 5,248 |
| Noninterest expense to average assets | 2.6009% | 5,737 |
| Loan and lease loss provision to assets | 0.4734% | 3,158 |
| Net operating income to assets | 0.4080% | 4,484 |
| Return on assets (ROA) | 0.0083% | 5,891 |
| Pretax return on assets | -0.0885% | 5,982 |
| Return on Equity (ROE) | 0.0708% | 5,898 |
| Retained earnings to average equity (ytd only) | 0.0708% | 5,177 |
| Net charge-offs to loans | 0.4392% | 3,054 |
| Credit loss provision to net charge-offs | 147.5679% | 3,130 |
| Earnings coverage of net charge-offs (x) | 3.1465% | 3,548 |
| Efficiency ratio | 71.5198% | 4,505 |
| Assets per employee ($millions) | 5.3652% | 1,702 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4860% | 3,273 |
| Loan loss allowance to noncurrent loans | 40.6987% | 5,657 |
| Noncurrent assets plus other real estate owned to assets | 2.8003% | 2,298 |
| Noncurrent loans to loans | 3.6513% | 1,903 |
| Net loans and leases to total assets | 72.1134% | 3,194 |
| Net loans and leases to deposits | 107.2543% | 692 |
| Net loans and leases to core deposits | 129.8694% | 1,579 |
| Total domestic deposits to total assets | 67.2359% | 7,666 |
| Equity capital to assets | 11.8186% | 2,315 |
| Core capital (leverage) ratio | 10.5121% | 2,801 |
| Tier 1 risk-based capital ratio | 12.1123% | 4,832 |
| Total risk-based capital ratio | 13.3630% | 4,740 |
| Memoranda: |
| Average total assets | $1,102,327,670 | 629 |
| Average earning assets | $974,668,330 | 645 |
| Average equity | $129,890,330 | 534 |
| Average total loans | $805,041,000 | 605 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7706% | 3,435 |
| Cost of funding earning assets | 2.1749% | 3,298 |
| Net interest margin | 3.5957% | 4,330 |
| Noninterest income to average assets | 0.3271% | 5,831 |
| Noninterest expense to average assets | 2.8607% | 4,300 |
| Loan and lease loss provision to assets | 0.2714% | 3,787 |
| Net operating income to assets | 0.3293% | 5,166 |
| Return on assets (ROA) | -0.0295% | 6,430 |
| Pretax return on assets | -0.1799% | 6,552 |
| Return on Equity (ROE) | -0.2508% | 6,438 |
| Retained earnings to average equity (ytd only) | -0.2508% | 5,702 |
| Net charge-offs to loans | 0.0305% | 5,097 |
| Credit loss provision to net charge-offs | 1,221.3115% | 518 |
| Earnings coverage of net charge-offs (x) | 29.3443% | 1,073 |
| Efficiency ratio | 80.8689% | 2,692 |
| Assets per employee ($millions) | 5.3935% | 1,652 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4779% | 3,099 |
| Loan loss allowance to noncurrent loans | 39.6594% | 5,904 |
| Noncurrent assets plus other real estate owned to assets | 2.7679% | 2,046 |
| Noncurrent loans to loans | 3.7265% | 1,667 |
| Net loans and leases to total assets | 71.8916% | 3,261 |
| Net loans and leases to deposits | 100.2890% | 1,375 |
| Net loans and leases to core deposits | 126.6265% | 1,879 |
| Total domestic deposits to total assets | 71.6844% | 7,254 |
| Equity capital to assets | 11.7091% | 2,442 |
| Core capital (leverage) ratio | 10.1633% | 3,231 |
| Tier 1 risk-based capital ratio | 12.3702% | 4,640 |
| Total risk-based capital ratio | 13.6216% | 4,563 |
| Memoranda: |
| Average total assets | $1,098,196,500 | 629 |
| Average earning assets | $972,926,500 | 645 |
| Average equity | $129,207,500 | 535 |
| Average total loans | $801,079,000 | 615 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.4863% | 3,026 |
| Cost of funding earning assets | 2.7478% | 2,937 |
| Net interest margin | 3.7386% | 4,287 |
| Noninterest income to average assets | 0.3977% | 5,491 |
| Noninterest expense to average assets | 6.1952% | 378 |
| Loan and lease loss provision to assets | 0.8710% | 1,711 |
| Net operating income to assets | -2.8484% | 7,785 |
| Return on assets (ROA) | -4.1152% | 7,988 |
| Pretax return on assets | -4.9097% | 8,014 |
| Return on Equity (ROE) | -29.8447% | 7,959 |
| Retained earnings to average equity (ytd only) | -29.8447% | 7,910 |
| Net charge-offs to loans | 0.7764% | 1,603 |
| Credit loss provision to net charge-offs | 158.5812% | 3,268 |
| Earnings coverage of net charge-offs (x) | -4.6076% | 6,822 |
| Efficiency ratio | 84.5953% | 2,000 |
| Assets per employee ($millions) | 5.3996% | 1,537 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4132% | 3,118 |
| Loan loss allowance to noncurrent loans | 53.3916% | 5,324 |
| Noncurrent assets plus other real estate owned to assets | 2.0033% | 2,460 |
| Noncurrent loans to loans | 2.6469% | 2,048 |
| Net loans and leases to total assets | 71.8890% | 3,615 |
| Net loans and leases to deposits | 109.8828% | 843 |
| Net loans and leases to core deposits | 133.5958% | 1,622 |
| Total domestic deposits to total assets | 65.4234% | 7,691 |
| Equity capital to assets | 11.8225% | 2,406 |
| Core capital (leverage) ratio | 9.8713% | 3,576 |
| Tier 1 risk-based capital ratio | 13.0033% | 4,109 |
| Total risk-based capital ratio | 14.2545% | 4,023 |
| Memoranda: |
| Average total assets | $1,034,353,600 | 641 |
| Average earning assets | $903,822,200 | 663 |
| Average equity | $142,624,800 | 488 |
| Average total loans | $731,719,200 | 657 |
