| 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 | 4.2442% | 2,790 |
| Cost of funding earning assets | 0.5720% | 2,148 |
| Net interest margin | 3.6722% | 3,057 |
| Noninterest income to average assets | 0.1842% | 5,849 |
| Noninterest expense to average assets | 3.2219% | 2,124 |
| Loan and lease loss provision to assets | 0.0187% | 3,896 |
| Net operating income to assets | 0.0646% | 6,106 |
| Return on assets (ROA) | 0.0646% | 6,127 |
| Pretax return on assets | 0.2926% | 5,790 |
| Return on Equity (ROE) | 0.3996% | 6,166 |
| Retained earnings to average equity (ytd only) | 0.3996% | 5,578 |
| Net charge-offs to loans | -0.0157% | 5,448 |
| Credit loss provision to net charge-offs | -154.1667% | 5,350 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.1895% | 821 |
| Assets per employee ($millions) | 5.9047% | 1,350 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1543% | 4,644 |
| Loan loss allowance to noncurrent loans | 84.8044% | 4,032 |
| Noncurrent assets plus other real estate owned to assets | 1.0440% | 2,979 |
| Noncurrent loans to loans | 1.3611% | 2,538 |
| Net loans and leases to total assets | 75.8186% | 1,196 |
| Net loans and leases to deposits | 98.8508% | 612 |
| Net loans and leases to core deposits | 118.9898% | 402 |
| Total domestic deposits to total assets | 76.7000% | 5,832 |
| Equity capital to assets | 16.0844% | 537 |
| Core capital (leverage) ratio | 16.0368% | 474 |
| Tier 1 risk-based capital ratio | 21.4256% | 1,361 |
| Total risk-based capital ratio | 22.6097% | 1,346 |
| Memoranda: |
| Average total assets | $396,406,330 | 1,669 |
| Average earning assets | $361,525,330 | 1,670 |
| Average equity | $64,064,330 | 1,145 |
| Average total loans | $306,075,330 | 1,408 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3321% | 2,399 |
| Cost of funding earning assets | 0.5750% | 2,198 |
| Net interest margin | 3.7570% | 2,650 |
| Noninterest income to average assets | 0.1899% | 5,828 |
| Noninterest expense to average assets | 3.1901% | 2,265 |
| Loan and lease loss provision to assets | 0.0051% | 3,754 |
| Net operating income to assets | 0.2102% | 5,769 |
| Return on assets (ROA) | 0.2102% | 5,824 |
| Pretax return on assets | 0.3656% | 5,555 |
| Return on Equity (ROE) | 1.2977% | 5,978 |
| Retained earnings to average equity (ytd only) | 1.2977% | 5,098 |
| Net charge-offs to loans | -0.0288% | 5,534 |
| Credit loss provision to net charge-offs | -22.7273% | 4,703 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.5893% | 1,076 |
| Assets per employee ($millions) | 6.2833% | 1,127 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1495% | 4,878 |
| Loan loss allowance to noncurrent loans | 84.3353% | 4,043 |
| Noncurrent assets plus other real estate owned to assets | 1.0382% | 3,179 |
| Noncurrent loans to loans | 1.3630% | 2,751 |
| Net loans and leases to total assets | 75.2967% | 1,091 |
| Net loans and leases to deposits | 97.8004% | 555 |
| Net loans and leases to core deposits | 117.8988% | 368 |
| Total domestic deposits to total assets | 76.9902% | 5,965 |
| Equity capital to assets | 15.9521% | 536 |
| Core capital (leverage) ratio | 15.9372% | 487 |
| Tier 1 risk-based capital ratio | 21.4782% | 1,378 |
| Total risk-based capital ratio | 22.6586% | 1,371 |
| Memoranda: |
| Average total assets | $393,849,500 | 1,691 |
| Average earning assets | $353,363,000 | 1,713 |
| Average equity | $63,805,500 | 1,152 |
| Average total loans | $305,122,000 | 1,417 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4751% | 2,303 |
| Cost of funding earning assets | 0.6033% | 2,631 |
| Net interest margin | 3.8719% | 2,393 |
| Noninterest income to average assets | 0.2239% | 5,735 |
| Noninterest expense to average assets | 3.2400% | 2,310 |
| Loan and lease loss provision to assets | 0.1109% | 2,955 |
| Net operating income to assets | 0.2855% | 5,569 |
| Return on assets (ROA) | 0.2855% | 5,663 |
| Pretax return on assets | 0.4660% | 5,307 |
| Return on Equity (ROE) | 1.7565% | 5,916 |
| Retained earnings to average equity (ytd only) | 1.7565% | 4,980 |
| Net charge-offs to loans | 0.0192% | 5,054 |
| Credit loss provision to net charge-offs | 736.2069% | 335 |
| Earnings coverage of net charge-offs (x) | 38.2931% | 983 |
| Efficiency ratio | 84.8840% | 1,530 |
| Assets per employee ($millions) | 5.9318% | 1,314 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1496% | 4,915 |
| Loan loss allowance to noncurrent loans | 501.2912% | 970 |
| Noncurrent assets plus other real estate owned to assets | 0.1808% | 5,773 |
| Noncurrent loans to loans | 0.2293% | 5,498 |
| Net loans and leases to total assets | 77.9207% | 834 |
| Net loans and leases to deposits | 101.9301% | 404 |
| Net loans and leases to core deposits | 118.0043% | 371 |
| Total domestic deposits to total assets | 76.4453% | 6,053 |
| Equity capital to assets | 16.4595% | 450 |
| Core capital (leverage) ratio | 16.4743% | 420 |
| Tier 1 risk-based capital ratio | 21.5037% | 1,340 |
| Total risk-based capital ratio | 22.6862% | 1,328 |
| Memoranda: |
| Average total assets | $384,943,400 | 1,707 |
| Average earning assets | $357,218,400 | 1,683 |
| Average equity | $62,567,200 | 1,151 |
| Average total loans | $301,733,000 | 1,397 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4713% | 2,342 |
| Cost of funding earning assets | 0.6114% | 2,724 |
| Net interest margin | 3.8599% | 2,423 |
| Noninterest income to average assets | 0.2221% | 5,837 |
| Noninterest expense to average assets | 3.2506% | 2,200 |
| Loan and lease loss provision to assets | 0.1428% | 2,503 |
| Net operating income to assets | 0.2658% | 5,733 |
| Return on assets (ROA) | 0.2658% | 5,836 |
| Pretax return on assets | 0.4297% | 5,553 |
| Return on Equity (ROE) | 1.6403% | 6,039 |
| Retained earnings to average equity (ytd only) | 1.6403% | 5,320 |
| Net charge-offs to loans | 0.0257% | 4,613 |
| Credit loss provision to net charge-offs | 710.3448% | 409 |
| Earnings coverage of net charge-offs (x) | 28.4833% | 1,282 |
| Efficiency ratio | 85.0267% | 1,469 |
| Assets per employee ($millions) | 5.8276% | 1,362 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1540% | 5,101 |
| Loan loss allowance to noncurrent loans | 499.8563% | 885 |
| Noncurrent assets plus other real estate owned to assets | 0.1783% | 5,910 |
| Noncurrent loans to loans | 0.2309% | 5,654 |
| Net loans and leases to total assets | 76.3205% | 966 |
| Net loans and leases to deposits | 100.6532% | 447 |
| Net loans and leases to core deposits | 116.7559% | 378 |
| Total domestic deposits to total assets | 75.8252% | 6,191 |
| Equity capital to assets | 16.1182% | 535 |
| Core capital (leverage) ratio | 16.1086% | 478 |
| Tier 1 risk-based capital ratio | 21.5864% | 1,387 |
| Total risk-based capital ratio | 22.7806% | 1,367 |
| Memoranda: |
| Average total assets | $384,786,750 | 1,720 |
| Average earning assets | $358,962,750 | 1,682 |
| Average equity | $62,343,250 | 1,164 |
| Average total loans | $301,183,000 | 1,404 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5935% | 1,875 |
| Cost of funding earning assets | 0.6326% | 2,658 |
| Net interest margin | 3.9609% | 2,005 |
| Noninterest income to average assets | 0.2194% | 5,870 |
| Noninterest expense to average assets | 3.3241% | 2,008 |
| Loan and lease loss provision to assets | 0.2131% | 1,778 |
| Net operating income to assets | 0.2403% | 5,798 |
| Return on assets (ROA) | 0.2403% | 5,920 |
| Pretax return on assets | 0.3714% | 5,704 |
| Return on Equity (ROE) | 1.4804% | 6,099 |
| Retained earnings to average equity (ytd only) | 1.4804% | 5,279 |
| Net charge-offs to loans | 0.0399% | 4,119 |
| Credit loss provision to net charge-offs | 680.0000% | 434 |
| Earnings coverage of net charge-offs (x) | 18.6500% | 1,544 |
| Efficiency ratio | 85.0461% | 1,524 |
| Assets per employee ($millions) | 5.3002% | 1,794 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1436% | 5,268 |
| Loan loss allowance to noncurrent loans | 498.2783% | 875 |
| Noncurrent assets plus other real estate owned to assets | 0.1826% | 5,950 |
| Noncurrent loans to loans | 0.2295% | 5,733 |
| Net loans and leases to total assets | 78.6713% | 681 |
| Net loans and leases to deposits | 103.5723% | 278 |
| Net loans and leases to core deposits | 119.4979% | 328 |
| Total domestic deposits to total assets | 75.9578% | 6,251 |
| Equity capital to assets | 16.3103% | 488 |
| Core capital (leverage) ratio | 16.2984% | 435 |
| Tier 1 risk-based capital ratio | 21.3409% | 1,413 |
| Total risk-based capital ratio | 22.5329% | 1,399 |
| Memoranda: |
| Average total assets | $382,898,330 | 1,730 |
| Average earning assets | $356,633,330 | 1,705 |
| Average equity | $62,146,330 | 1,173 |
| Average total loans | $301,086,000 | 1,398 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4566% | 2,328 |
| Cost of funding earning assets | 0.6410% | 2,736 |
| Net interest margin | 3.8156% | 2,390 |
| Noninterest income to average assets | 0.2534% | 5,643 |
| Noninterest expense to average assets | 3.1235% | 2,604 |
| Loan and lease loss provision to assets | 0.2388% | 1,524 |
| Net operating income to assets | 0.2420% | 5,753 |
| Return on assets (ROA) | 0.2420% | 5,879 |
| Pretax return on assets | 0.4297% | 5,473 |
| Return on Equity (ROE) | 1.4944% | 6,091 |
| Retained earnings to average equity (ytd only) | 1.4944% | 5,240 |
| Net charge-offs to loans | -0.0013% | 5,149 |
| Credit loss provision to net charge-offs | -22,900.0000% | 5,969 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.3707% | 1,982 |
| Assets per employee ($millions) | 5.6780% | 1,509 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1125% | 5,555 |
| Loan loss allowance to noncurrent loans | 76.8262% | 4,057 |
| Noncurrent assets plus other real estate owned to assets | 1.1310% | 3,679 |
| Noncurrent loans to loans | 1.4481% | 3,393 |
| Net loans and leases to total assets | 77.2364% | 695 |
| Net loans and leases to deposits | 102.8885% | 254 |
| Net loans and leases to core deposits | 122.5027% | 254 |
| Total domestic deposits to total assets | 75.0681% | 6,451 |
| Equity capital to assets | 16.1384% | 539 |
| Core capital (leverage) ratio | 16.0082% | 458 |
| Tier 1 risk-based capital ratio | 20.6476% | 1,625 |
| Total risk-based capital ratio | 21.7716% | 1,620 |
| Memoranda: |
| Average total assets | $383,539,000 | 1,742 |
| Average earning assets | $355,699,500 | 1,715 |
| Average equity | $62,098,000 | 1,187 |
| Average total loans | $299,781,000 | 1,415 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3272% | 4,094 |
| Cost of funding earning assets | 0.7950% | 2,706 |
| Net interest margin | 3.5322% | 4,365 |
| Noninterest income to average assets | 0.1875% | 6,061 |
| Noninterest expense to average assets | 2.9478% | 3,476 |
| Loan and lease loss provision to assets | 0.2077% | 3,064 |
| Net operating income to assets | 0.1932% | 5,800 |
| Return on assets (ROA) | 0.1932% | 5,973 |
| Pretax return on assets | 0.3417% | 5,737 |
| Return on Equity (ROE) | 1.2312% | 6,080 |
| Retained earnings to average equity (ytd only) | 1.2312% | 5,259 |
| Net charge-offs to loans | 0.1021% | 4,645 |
| Credit loss provision to net charge-offs | 269.7987% | 896 |
| Earnings coverage of net charge-offs (x) | 7.1376% | 2,669 |
| Efficiency ratio | 84.2898% | 1,593 |
| Assets per employee ($millions) | 5.6026% | 1,595 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0487% | 5,767 |
| Loan loss allowance to noncurrent loans | 52.6183% | 5,000 |
| Noncurrent assets plus other real estate owned to assets | 1.5589% | 3,043 |
| Noncurrent loans to loans | 1.9930% | 2,706 |
| Net loans and leases to total assets | 77.3988% | 742 |
| Net loans and leases to deposits | 106.4455% | 217 |
| Net loans and leases to core deposits | 116.3094% | 350 |
| Total domestic deposits to total assets | 72.7121% | 6,643 |
| Equity capital to assets | 16.2438% | 511 |
| Core capital (leverage) ratio | 16.0884% | 443 |
| Tier 1 risk-based capital ratio | 21.5816% | 1,338 |
| Total risk-based capital ratio | 22.6857% | 1,346 |
| Memoranda: |
| Average total assets | $387,139,600 | 1,690 |
| Average earning assets | $362,750,200 | 1,649 |
| Average equity | $60,756,000 | 1,174 |
| Average total loans | $291,731,600 | 1,439 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2920% | 4,478 |
| Cost of funding earning assets | 0.8319% | 2,693 |
| Net interest margin | 3.4602% | 4,806 |
| Noninterest income to average assets | 0.1887% | 6,164 |
| Noninterest expense to average assets | 2.9377% | 3,454 |
| Loan and lease loss provision to assets | 0.2816% | 2,313 |
| Net operating income to assets | 0.1108% | 6,106 |
| Return on assets (ROA) | 0.1108% | 6,245 |
| Pretax return on assets | 0.2082% | 6,105 |
| Return on Equity (ROE) | 0.7121% | 6,302 |
| Retained earnings to average equity (ytd only) | 0.7121% | 5,869 |
| Net charge-offs to loans | 0.1369% | 4,022 |
| Credit loss provision to net charge-offs | 275.5034% | 986 |
| Earnings coverage of net charge-offs (x) | 4.7920% | 3,203 |
| Efficiency ratio | 85.7086% | 1,409 |
| Assets per employee ($millions) | 5.8025% | 1,373 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0536% | 5,876 |
| Loan loss allowance to noncurrent loans | 51.9352% | 5,035 |
| Noncurrent assets plus other real estate owned to assets | 1.5655% | 3,245 |
| Noncurrent loans to loans | 2.0288% | 2,815 |
| Net loans and leases to total assets | 75.8482% | 998 |
| Net loans and leases to deposits | 104.1274% | 278 |
| Net loans and leases to core deposits | 109.7909% | 580 |
| Total domestic deposits to total assets | 72.8418% | 6,689 |
| Equity capital to assets | 15.7884% | 648 |
| Core capital (leverage) ratio | 15.5902% | 524 |
| Tier 1 risk-based capital ratio | 22.3474% | 1,271 |
| Total risk-based capital ratio | 23.5102% | 1,268 |
| Memoranda: |
| Average total assets | $388,680,750 | 1,707 |
| Average earning assets | $363,827,250 | 1,662 |
| Average equity | $60,473,750 | 1,187 |
| Average total loans | $290,165,750 | 1,459 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3023% | 4,562 |
| Cost of funding earning assets | 0.8801% | 2,559 |
| Net interest margin | 3.4221% | 4,997 |
| Noninterest income to average assets | 0.1806% | 6,271 |
| Noninterest expense to average assets | 2.9142% | 3,564 |
| Loan and lease loss provision to assets | 0.3649% | 1,808 |
| Net operating income to assets | 0.0401% | 6,271 |
| Return on assets (ROA) | 0.0401% | 6,412 |
| Pretax return on assets | 0.1029% | 6,323 |
| Return on Equity (ROE) | 0.2593% | 6,427 |
| Retained earnings to average equity (ytd only) | 0.2593% | 5,958 |
| Net charge-offs to loans | 0.2038% | 3,353 |
| Credit loss provision to net charge-offs | 241.9795% | 1,183 |
| Earnings coverage of net charge-offs (x) | 3.1024% | 3,500 |
| Efficiency ratio | 86.1686% | 1,418 |
| Assets per employee ($millions) | 5.8521% | 1,331 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0245% | 6,059 |
| Loan loss allowance to noncurrent loans | 50.2068% | 5,106 |
| Noncurrent assets plus other real estate owned to assets | 1.5519% | 3,374 |
| Noncurrent loans to loans | 2.0405% | 2,902 |
| Net loans and leases to total assets | 74.7810% | 1,133 |
| Net loans and leases to deposits | 103.7453% | 284 |
| Net loans and leases to core deposits | 109.1989% | 605 |
| Total domestic deposits to total assets | 72.0814% | 6,797 |
| Equity capital to assets | 15.4510% | 686 |
| Core capital (leverage) ratio | 15.2966% | 546 |
| Tier 1 risk-based capital ratio | 22.2881% | 1,236 |
| Total risk-based capital ratio | 23.4198% | 1,236 |
| Memoranda: |
| Average total assets | $388,652,330 | 1,705 |
| Average earning assets | $363,575,330 | 1,665 |
| Average equity | $60,171,670 | 1,189 |
| Average total loans | $287,550,330 | 1,472 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3624% | 4,465 |
| Cost of funding earning assets | 0.9344% | 2,409 |
| Net interest margin | 3.4280% | 5,002 |
| Noninterest income to average assets | 0.1716% | 6,352 |
| Noninterest expense to average assets | 3.0031% | 3,234 |
| Loan and lease loss provision to assets | 0.2791% | 2,226 |
| Net operating income to assets | 0.0165% | 6,387 |
| Return on assets (ROA) | 0.0165% | 6,494 |
| Pretax return on assets | 0.0941% | 6,392 |
| Return on Equity (ROE) | 0.1067% | 6,506 |
| Retained earnings to average equity (ytd only) | 0.1067% | 5,944 |
| Net charge-offs to loans | 0.3178% | 2,375 |
| Credit loss provision to net charge-offs | 120.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 1.6044% | 3,520 |
| Efficiency ratio | 88.9467% | 1,182 |
| Assets per employee ($millions) | 6.0283% | 1,269 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9350% | 6,455 |
| Loan loss allowance to noncurrent loans | 43.9169% | 5,410 |
| Noncurrent assets plus other real estate owned to assets | 1.5583% | 3,528 |
| Noncurrent loans to loans | 2.1291% | 2,991 |
| Net loans and leases to total assets | 72.0303% | 1,392 |
| Net loans and leases to deposits | 104.1168% | 249 |
| Net loans and leases to core deposits | 110.2981% | 525 |
| Total domestic deposits to total assets | 69.1822% | 7,014 |
| Equity capital to assets | 15.3527% | 688 |
| Core capital (leverage) ratio | 15.2098% | 569 |
| Tier 1 risk-based capital ratio | 23.1240% | 1,116 |
| Total risk-based capital ratio | 24.1609% | 1,132 |
| Memoranda: |
| Average total assets | $386,933,500 | 1,715 |
| Average earning assets | $361,725,000 | 1,677 |
| Average equity | $59,966,500 | 1,187 |
| Average total loans | $283,203,500 | 1,498 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5690% | 4,793 |
| Cost of funding earning assets | 1.2116% | 1,953 |
| Net interest margin | 3.3574% | 5,620 |
| Noninterest income to average assets | 0.2778% | 5,540 |
| Noninterest expense to average assets | 3.0208% | 3,515 |
| Loan and lease loss provision to assets | 0.1898% | 4,282 |
| Net operating income to assets | 0.1472% | 5,744 |
| Return on assets (ROA) | 0.1472% | 5,879 |
| Pretax return on assets | 0.1957% | 5,799 |
| Return on Equity (ROE) | 0.9344% | 5,979 |
| Retained earnings to average equity (ytd only) | 0.9344% | 5,424 |
| Net charge-offs to loans | 0.1244% | 5,144 |
| Credit loss provision to net charge-offs | 202.2727% | 1,231 |
| Earnings coverage of net charge-offs (x) | 4.1080% | 3,264 |
| Efficiency ratio | 88.6828% | 1,298 |
| Assets per employee ($millions) | 5.7883% | 1,383 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8984% | 6,539 |
| Loan loss allowance to noncurrent loans | 38.1793% | 5,720 |
| Noncurrent assets plus other real estate owned to assets | 1.7533% | 3,323 |
| Noncurrent loans to loans | 2.3531% | 2,787 |
| Net loans and leases to total assets | 73.0237% | 1,450 |
| Net loans and leases to deposits | 105.4229% | 263 |
| Net loans and leases to core deposits | 115.6179% | 453 |
| Total domestic deposits to total assets | 69.2674% | 7,019 |
| Equity capital to assets | 15.6468% | 644 |
| Core capital (leverage) ratio | 15.5146% | 523 |
| Tier 1 risk-based capital ratio | 23.4013% | 1,046 |
| Total risk-based capital ratio | 24.4028% | 1,066 |
| Memoranda: |
| Average total assets | $375,101,800 | 1,735 |
| Average earning assets | $349,530,000 | 1,692 |
| Average equity | $59,074,600 | 1,146 |
| Average total loans | $282,956,000 | 1,505 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6090% | 4,835 |
| Cost of funding earning assets | 1.2383% | 2,075 |
| Net interest margin | 3.3707% | 5,659 |
| Noninterest income to average assets | 0.2796% | 5,611 |
| Noninterest expense to average assets | 3.0443% | 3,378 |
| Loan and lease loss provision to assets | 0.1725% | 4,312 |
| Net operating income to assets | 0.1550% | 5,819 |
| Return on assets (ROA) | 0.1550% | 5,940 |
| Pretax return on assets | 0.2025% | 5,892 |
| Return on Equity (ROE) | 0.9824% | 6,070 |
| Retained earnings to average equity (ytd only) | 0.9824% | 5,613 |
| Net charge-offs to loans | 0.1572% | 4,515 |
| Credit loss provision to net charge-offs | 144.6108% | 2,191 |
| Earnings coverage of net charge-offs (x) | 3.1437% | 3,564 |
| Efficiency ratio | 89.0339% | 1,245 |
| Assets per employee ($millions) | 6.0117% | 1,193 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8222% | 6,773 |
| Loan loss allowance to noncurrent loans | 37.6360% | 5,770 |
| Noncurrent assets plus other real estate owned to assets | 1.5787% | 3,724 |
| Noncurrent loans to loans | 2.1846% | 3,134 |
| Net loans and leases to total assets | 70.4696% | 1,986 |
| Net loans and leases to deposits | 97.6397% | 597 |
| Net loans and leases to core deposits | 104.6614% | 944 |
| Total domestic deposits to total assets | 72.1731% | 6,922 |
| Equity capital to assets | 14.9990% | 849 |
| Core capital (leverage) ratio | 14.8424% | 697 |
| Tier 1 risk-based capital ratio | 23.4719% | 1,080 |
| Total risk-based capital ratio | 24.3989% | 1,111 |
| Memoranda: |
| Average total assets | $373,370,250 | 1,743 |
| Average earning assets | $347,777,500 | 1,711 |
| Average equity | $58,899,500 | 1,148 |
| Average total loans | $283,320,000 | 1,516 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6901% | 4,571 |
| Cost of funding earning assets | 1.2181% | 2,455 |
| Net interest margin | 3.4720% | 5,284 |
| Noninterest income to average assets | 0.2960% | 5,520 |
| Noninterest expense to average assets | 3.0692% | 3,362 |
| Loan and lease loss provision to assets | 0.1838% | 4,083 |
| Net operating income to assets | 0.2057% | 5,721 |
| Return on assets (ROA) | 0.2057% | 5,836 |
| Pretax return on assets | 0.2708% | 5,744 |
| Return on Equity (ROE) | 1.2812% | 6,008 |
| Retained earnings to average equity (ytd only) | 1.2812% | 5,337 |
| Net charge-offs to loans | 0.5088% | 2,574 |
| Credit loss provision to net charge-offs | 46.5374% | 4,665 |
| Earnings coverage of net charge-offs (x) | 1.1510% | 4,414 |
| Efficiency ratio | 87.0983% | 1,503 |
| Assets per employee ($millions) | 5.6013% | 1,480 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6654% | 7,063 |
| Loan loss allowance to noncurrent loans | 35.3930% | 5,944 |
| Noncurrent assets plus other real estate owned to assets | 1.3964% | 4,129 |
| Noncurrent loans to loans | 1.8799% | 3,637 |
| Net loans and leases to total assets | 72.3498% | 1,719 |
| Net loans and leases to deposits | 100.9495% | 449 |
| Net loans and leases to core deposits | 106.9586% | 867 |
| Total domestic deposits to total assets | 71.6693% | 7,029 |
| Equity capital to assets | 15.2843% | 753 |
| Core capital (leverage) ratio | 15.1522% | 643 |
| Tier 1 risk-based capital ratio | 23.4928% | 1,061 |
| Total risk-based capital ratio | 24.2463% | 1,106 |
| Memoranda: |
| Average total assets | $365,569,000 | 1,789 |
| Average earning assets | $339,866,330 | 1,760 |
| Average equity | $58,695,330 | 1,141 |
| Average total loans | $283,785,670 | 1,533 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8904% | 3,640 |
| Cost of funding earning assets | 1.1834% | 2,922 |
| Net interest margin | 3.7070% | 4,061 |
| Noninterest income to average assets | 0.3436% | 5,170 |
| Noninterest expense to average assets | 3.2182% | 2,825 |
| Loan and lease loss provision to assets | 0.2129% | 3,521 |
| Net operating income to assets | 0.2523% | 5,607 |
| Return on assets (ROA) | 0.2523% | 5,672 |
| Pretax return on assets | 0.3492% | 5,513 |
| Return on Equity (ROE) | 1.5314% | 5,971 |
| Retained earnings to average equity (ytd only) | 1.5314% | 5,195 |
| Net charge-offs to loans | 1.0136% | 1,349 |
| Credit loss provision to net charge-offs | 26.1773% | 4,180 |
| Earnings coverage of net charge-offs (x) | 0.6911% | 4,107 |
| Efficiency ratio | 85.1311% | 1,824 |
| Assets per employee ($millions) | 5.5621% | 1,519 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6082% | 7,193 |
| Loan loss allowance to noncurrent loans | 376.0349% | 830 |
| Noncurrent assets plus other real estate owned to assets | 0.1584% | 6,767 |
| Noncurrent loans to loans | 0.1617% | 6,652 |
| Net loans and leases to total assets | 79.2401% | 596 |
| Net loans and leases to deposits | 119.8999% | 94 |
| Net loans and leases to core deposits | 128.6576% | 286 |
| Total domestic deposits to total assets | 66.0885% | 7,325 |
| Equity capital to assets | 16.4779% | 501 |
| Core capital (leverage) ratio | 16.3784% | 447 |
| Tier 1 risk-based capital ratio | 23.6818% | 1,005 |
| Total risk-based capital ratio | 24.3845% | 1,053 |
| Memoranda: |
| Average total assets | $355,109,000 | 1,856 |
| Average earning assets | $329,213,500 | 1,822 |
| Average equity | $58,507,000 | 1,133 |
| Average total loans | $284,930,000 | 1,542 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7435% | 5,639 |
| Cost of funding earning assets | 1.4289% | 3,077 |
| Net interest margin | 3.3146% | 5,939 |
| Noninterest income to average assets | 0.2846% | 5,746 |
| Noninterest expense to average assets | 2.6253% | 5,314 |
| Loan and lease loss provision to assets | 0.4117% | 3,636 |
| Net operating income to assets | 0.1216% | 5,535 |
| Return on assets (ROA) | -0.0995% | 6,051 |
| Pretax return on assets | -0.1934% | 6,080 |
| Return on Equity (ROE) | -0.7075% | 6,040 |
| Retained earnings to average equity (ytd only) | -0.7075% | 5,746 |
| Net charge-offs to loans | 0.1947% | 5,130 |
| Credit loss provision to net charge-offs | 292.9889% | 919 |
| Earnings coverage of net charge-offs (x) | 4.0129% | 3,103 |
| Efficiency ratio | 82.3037% | 2,126 |
| Assets per employee ($millions) | 5.2095% | 1,850 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7586% | 7,046 |
| Loan loss allowance to noncurrent loans | 471.7391% | 677 |
| Noncurrent assets plus other real estate owned to assets | 0.1843% | 6,767 |
| Noncurrent loans to loans | 0.1608% | 6,747 |
| Net loans and leases to total assets | 80.1397% | 646 |
| Net loans and leases to deposits | 115.2268% | 156 |
| Net loans and leases to core deposits | 123.2210% | 443 |
| Total domestic deposits to total assets | 69.5495% | 7,259 |
| Equity capital to assets | 16.4737% | 520 |
| Core capital (leverage) ratio | 16.3755% | 464 |
| Tier 1 risk-based capital ratio | 23.6541% | 967 |
| Total risk-based capital ratio | 24.5409% | 983 |
| Memoranda: |
| Average total assets | $385,753,000 | 1,702 |
| Average earning assets | $338,019,400 | 1,765 |
| Average equity | $54,273,600 | 1,229 |
| Average total loans | $278,393,400 | 1,604 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6706% | 6,125 |
| Cost of funding earning assets | 1.4664% | 3,172 |
| Net interest margin | 3.2042% | 6,329 |
| Noninterest income to average assets | 0.2598% | 6,043 |
| Noninterest expense to average assets | 2.5221% | 5,629 |
| Loan and lease loss provision to assets | 0.4549% | 3,200 |
| Net operating income to assets | 0.0617% | 5,863 |
| Return on assets (ROA) | -0.2273% | 6,409 |
| Pretax return on assets | -0.3970% | 6,487 |
| Return on Equity (ROE) | -1.6800% | 6,359 |
| Retained earnings to average equity (ytd only) | -1.6800% | 6,131 |
| Net charge-offs to loans | 0.2614% | 4,384 |
| Credit loss provision to net charge-offs | 247.7860% | 1,351 |
| Earnings coverage of net charge-offs (x) | 2.7749% | 3,755 |
| Efficiency ratio | 83.1732% | 1,934 |
| Assets per employee ($millions) | 5.9965% | 1,242 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6730% | 7,249 |
| Loan loss allowance to noncurrent loans | 417.5705% | 712 |
| Noncurrent assets plus other real estate owned to assets | 0.1788% | 6,908 |
| Noncurrent loans to loans | 0.1612% | 6,860 |
| Net loans and leases to total assets | 77.6719% | 1,096 |
| Net loans and leases to deposits | 114.5922% | 183 |
| Net loans and leases to core deposits | 122.8704% | 529 |
| Total domestic deposits to total assets | 67.7811% | 7,394 |
| Equity capital to assets | 15.9104% | 696 |
| Core capital (leverage) ratio | 15.7769% | 597 |
| Tier 1 risk-based capital ratio | 24.0826% | 933 |
| Total risk-based capital ratio | 24.8882% | 966 |
| Memoranda: |
| Average total assets | $393,630,250 | 1,701 |
| Average earning assets | $340,507,250 | 1,784 |
| Average equity | $53,252,750 | 1,258 |
| Average total loans | $276,476,750 | 1,639 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6033% | 6,453 |
| Cost of funding earning assets | 1.5153% | 3,167 |
| Net interest margin | 3.0881% | 6,636 |
| Noninterest income to average assets | 0.2517% | 6,113 |
| Noninterest expense to average assets | 2.3683% | 6,155 |
| Loan and lease loss provision to assets | 0.5882% | 2,427 |
| Net operating income to assets | -0.0223% | 6,110 |
| Return on assets (ROA) | -0.4458% | 6,643 |
| Pretax return on assets | -0.7565% | 6,759 |
| Return on Equity (ROE) | -3.4803% | 6,564 |
| Retained earnings to average equity (ytd only) | -3.4803% | 6,364 |
| Net charge-offs to loans | 0.4186% | 3,319 |
| Credit loss provision to net charge-offs | 207.1678% | 1,873 |
| Earnings coverage of net charge-offs (x) | 1.7378% | 4,215 |
| Efficiency ratio | 82.7580% | 2,072 |
| Assets per employee ($millions) | 5.9399% | 1,272 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6252% | 7,380 |
| Loan loss allowance to noncurrent loans | 389.4619% | 785 |
| Noncurrent assets plus other real estate owned to assets | 0.1708% | 6,960 |
| Noncurrent loans to loans | 0.1605% | 6,941 |
| Net loans and leases to total assets | 73.7807% | 1,957 |
| Net loans and leases to deposits | 108.6743% | 308 |
| Net loans and leases to core deposits | 115.9943% | 845 |
| Total domestic deposits to total assets | 67.8915% | 7,433 |
| Equity capital to assets | 15.4999% | 770 |
| Core capital (leverage) ratio | 15.3508% | 660 |
| Tier 1 risk-based capital ratio | 24.6950% | 873 |
| Total risk-based capital ratio | 25.4441% | 901 |
| Memoranda: |
| Average total assets | $402,912,000 | 1,682 |
| Average earning assets | $340,537,670 | 1,797 |
| Average equity | $51,604,330 | 1,290 |
| Average total loans | $273,290,000 | 1,674 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6551% | 6,392 |
| Cost of funding earning assets | 1.6452% | 2,679 |
| Net interest margin | 3.0099% | 6,809 |
| Noninterest income to average assets | 0.2349% | 6,274 |
| Noninterest expense to average assets | 2.2518% | 6,536 |
| Loan and lease loss provision to assets | 0.6519% | 1,950 |
| Net operating income to assets | -0.0929% | 6,426 |
| Return on assets (ROA) | -0.9107% | 7,091 |
| Pretax return on assets | -1.5194% | 7,264 |
| Return on Equity (ROE) | -7.8504% | 7,048 |
| Retained earnings to average equity (ytd only) | -7.8504% | 6,819 |
| Net charge-offs to loans | 0.7380% | 2,028 |
| Credit loss provision to net charge-offs | 136.0000% | 2,601 |
| Earnings coverage of net charge-offs (x) | 0.8560% | 4,277 |
| Efficiency ratio | 84.5877% | 1,969 |
| Assets per employee ($millions) | 6.5271% | 984 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4888% | 7,595 |
| Loan loss allowance to noncurrent loans | 272.2338% | 1,080 |
| Noncurrent assets plus other real estate owned to assets | 0.1899% | 6,994 |
| Noncurrent loans to loans | 0.1796% | 6,977 |
| Net loans and leases to total assets | 70.1180% | 2,904 |
| Net loans and leases to deposits | 103.7737% | 543 |
| Net loans and leases to core deposits | 111.4242% | 1,194 |
| Total domestic deposits to total assets | 67.5681% | 7,549 |
| Equity capital to assets | 15.2484% | 822 |
| Core capital (leverage) ratio | 15.1349% | 726 |
| Tier 1 risk-based capital ratio | 26.4637% | 743 |
| Total risk-based capital ratio | 27.0675% | 775 |
| Memoranda: |
| Average total assets | $417,260,000 | 1,670 |
| Average earning assets | $336,494,500 | 1,861 |
| Average equity | $48,405,000 | 1,388 |
| Average total loans | $271,017,000 | 1,734 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9833% | 6,489 |
| Cost of funding earning assets | 2.2305% | 1,897 |
| Net interest margin | 2.7529% | 7,137 |
| Noninterest income to average assets | 0.2814% | 6,093 |
| Noninterest expense to average assets | 2.4519% | 6,298 |
| Loan and lease loss provision to assets | 0.2258% | 5,560 |
| Net operating income to assets | 0.0496% | 5,341 |
| Return on assets (ROA) | -0.1667% | 5,795 |
| Pretax return on assets | -0.3180% | 5,849 |
| Return on Equity (ROE) | -1.6219% | 5,799 |
| Retained earnings to average equity (ytd only) | -1.6219% | 5,422 |
| Net charge-offs to loans | 0.0637% | 6,472 |
| Credit loss provision to net charge-offs | 473.3333% | 648 |
| Earnings coverage of net charge-offs (x) | 5.1500% | 2,675 |
| Efficiency ratio | 90.8930% | 1,641 |
| Assets per employee ($millions) | 7.2373% | 731 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4083% | 7,752 |
| Loan loss allowance to noncurrent loans | 136.2424% | 2,098 |
| Noncurrent assets plus other real estate owned to assets | 0.2336% | 6,884 |
| Noncurrent loans to loans | 0.2997% | 6,678 |
| Net loans and leases to total assets | 60.1294% | 5,315 |
| Net loans and leases to deposits | 78.0377% | 4,363 |
| Net loans and leases to core deposits | 91.9333% | 4,894 |
| Total domestic deposits to total assets | 77.0518% | 6,467 |
| Equity capital to assets | 8.5720% | 5,764 |
| Core capital (leverage) ratio | 8.5777% | 5,140 |
| Tier 1 risk-based capital ratio | 17.5550% | 2,010 |
| Total risk-based capital ratio | 18.0595% | 2,173 |
| Memoranda: |
| Average total assets | $377,337,800 | 1,812 |
| Average earning assets | $331,183,000 | 1,873 |
| Average equity | $38,782,800 | 1,728 |
| Average total loans | $282,472,200 | 1,707 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9640% | 6,723 |
| Cost of funding earning assets | 2.2938% | 2,004 |
| Net interest margin | 2.6702% | 7,266 |
| Noninterest income to average assets | 0.2952% | 6,117 |
| Noninterest expense to average assets | 2.5896% | 5,751 |
| Loan and lease loss provision to assets | 0.3381% | 4,307 |
| Net operating income to assets | -0.0442% | 5,790 |
| Return on assets (ROA) | -0.2706% | 6,172 |
| Pretax return on assets | -0.4924% | 6,287 |
| Return on Equity (ROE) | -2.5008% | 6,164 |
| Retained earnings to average equity (ytd only) | -2.5008% | 5,821 |
| Net charge-offs to loans | 0.0206% | 6,611 |
| Credit loss provision to net charge-offs | 2,061.3636% | 190 |
| Earnings coverage of net charge-offs (x) | 12.1582% | 1,787 |
| Efficiency ratio | 92.8495% | 1,473 |
| Assets per employee ($millions) | 5.8671% | 1,309 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4671% | 7,750 |
| Loan loss allowance to noncurrent loans | 66.9552% | 3,970 |
| Noncurrent assets plus other real estate owned to assets | 0.6158% | 5,909 |
| Noncurrent loans to loans | 0.6977% | 5,904 |
| Net loans and leases to total assets | 78.2861% | 1,519 |
| Net loans and leases to deposits | 114.5836% | 306 |
| Net loans and leases to core deposits | 147.2441% | 652 |
| Total domestic deposits to total assets | 68.3223% | 7,547 |
| Equity capital to assets | 10.8962% | 3,118 |
| Core capital (leverage) ratio | 10.9216% | 2,459 |
| Tier 1 risk-based capital ratio | 17.3560% | 2,165 |
| Total risk-based capital ratio | 17.9396% | 2,312 |
| Memoranda: |
| Average total assets | $357,685,250 | 1,913 |
| Average earning assets | $334,048,000 | 1,876 |
| Average equity | $38,707,500 | 1,750 |
| Average total loans | $284,269,500 | 1,710 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0019% | 6,765 |
| Cost of funding earning assets | 2.3891% | 2,006 |
| Net interest margin | 2.6128% | 7,347 |
| Noninterest income to average assets | 0.3115% | 6,015 |
| Noninterest expense to average assets | 2.6531% | 5,548 |
| Loan and lease loss provision to assets | 0.4245% | 3,423 |
| Net operating income to assets | -0.1633% | 6,123 |
| Return on assets (ROA) | -0.4239% | 6,479 |
| Pretax return on assets | -0.7298% | 6,623 |
| Return on Equity (ROE) | -3.9263% | 6,474 |
| Retained earnings to average equity (ytd only) | -3.9263% | 6,127 |
| Net charge-offs to loans | 0.0309% | 6,029 |
| Credit loss provision to net charge-offs | 1,725.0000% | 304 |
| Earnings coverage of net charge-offs (x) | 4.1364% | 3,205 |
| Efficiency ratio | 96.3053% | 1,353 |
| Assets per employee ($millions) | 6.1422% | 1,129 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4097% | 7,893 |
| Loan loss allowance to noncurrent loans | 241.6149% | 1,277 |
| Noncurrent assets plus other real estate owned to assets | 0.1865% | 7,060 |
| Noncurrent loans to loans | 0.1696% | 7,097 |
| Net loans and leases to total assets | 78.2730% | 1,685 |
| Net loans and leases to deposits | 114.8840% | 366 |
| Net loans and leases to core deposits | 150.8434% | 633 |
| Total domestic deposits to total assets | 68.1322% | 7,616 |
| Equity capital to assets | 10.6480% | 3,252 |
| Core capital (leverage) ratio | 10.7593% | 2,600 |
| Tier 1 risk-based capital ratio | 16.8886% | 2,334 |
| Total risk-based capital ratio | 17.3930% | 2,522 |
| Memoranda: |
| Average total assets | $357,615,330 | 1,940 |
| Average earning assets | $334,432,000 | 1,895 |
| Average equity | $38,611,000 | 1,765 |
| Average total loans | $285,193,670 | 1,732 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0946% | 6,658 |
| Cost of funding earning assets | 2.5046% | 1,900 |
| Net interest margin | 2.5899% | 7,386 |
| Noninterest income to average assets | 0.2838% | 6,167 |
| Noninterest expense to average assets | 2.3444% | 6,390 |
| Loan and lease loss provision to assets | 0.1498% | 5,012 |
| Net operating income to assets | 0.1627% | 5,777 |
| Return on assets (ROA) | 0.1712% | 5,917 |
| Pretax return on assets | 0.2286% | 5,874 |
| Return on Equity (ROE) | 1.5742% | 5,931 |
| Retained earnings to average equity (ytd only) | 1.5742% | 4,971 |
| Net charge-offs to loans | 0.0070% | 5,585 |
| Credit loss provision to net charge-offs | 2,660.0000% | 254 |
| Earnings coverage of net charge-offs (x) | 65.2000% | 612 |
| Efficiency ratio | 86.4618% | 2,020 |
| Assets per employee ($millions) | 6.3056% | 1,043 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.2059% | 8,103 |
| Loan loss allowance to noncurrent loans | 165.2422% | 1,953 |
| Noncurrent assets plus other real estate owned to assets | 0.0960% | 7,304 |
| Noncurrent loans to loans | 0.1246% | 7,164 |
| Net loans and leases to total assets | 76.8813% | 2,071 |
| Net loans and leases to deposits | 118.4947% | 325 |
| Net loans and leases to core deposits | 158.5898% | 515 |
| Total domestic deposits to total assets | 64.8816% | 7,801 |
| Equity capital to assets | 10.6192% | 3,357 |
| Core capital (leverage) ratio | 10.8820% | 2,597 |
| Tier 1 risk-based capital ratio | 17.4580% | 2,197 |
| Total risk-based capital ratio | 17.7111% | 2,466 |
| Memoranda: |
| Average total assets | $355,229,000 | 1,954 |
| Average earning assets | $332,983,000 | 1,900 |
| Average equity | $38,623,000 | 1,758 |
| Average total loans | $285,381,000 | 1,740 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6013% | 7,060 |
| Cost of funding earning assets | 3.1102% | 1,474 |
| Net interest margin | 2.4911% | 7,765 |
| Noninterest income to average assets | 0.2686% | 6,534 |
| Noninterest expense to average assets | 2.1686% | 7,059 |
| Loan and lease loss provision to assets | 0.1129% | 5,928 |
| Net operating income to assets | 0.2405% | 5,732 |
| Return on assets (ROA) | 0.2240% | 5,601 |
| Pretax return on assets | 0.3078% | 5,495 |
| Return on Equity (ROE) | 2.0442% | 5,604 |
| Retained earnings to average equity (ytd only) | 2.0442% | 3,964 |
| Net charge-offs to loans | 0.0727% | 5,723 |
| Credit loss provision to net charge-offs | 187.7934% | 2,637 |
| Earnings coverage of net charge-offs (x) | 7.3756% | 3,129 |
| Efficiency ratio | 83.0291% | 2,177 |
| Assets per employee ($millions) | 6.0479% | 1,114 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.1564% | 8,188 |
| Loan loss allowance to noncurrent loans | 85.2830% | 3,955 |
| Noncurrent assets plus other real estate owned to assets | 0.1537% | 6,953 |
| Noncurrent loans to loans | 0.1834% | 6,839 |
| Net loans and leases to total assets | 83.7042% | 935 |
| Net loans and leases to deposits | 130.7329% | 203 |
| Net loans and leases to core deposits | 176.8952% | 319 |
| Total domestic deposits to total assets | 64.0268% | 7,795 |
| Equity capital to assets | 11.1417% | 2,933 |
| Core capital (leverage) ratio | 11.4845% | 2,263 |
| Tier 1 risk-based capital ratio | 17.7185% | 2,114 |
| Total risk-based capital ratio | 17.9194% | 2,364 |
| Memoranda: |
| Average total assets | $354,414,200 | 1,888 |
| Average earning assets | $333,387,200 | 1,837 |
| Average equity | $38,842,000 | 1,739 |
| Average total loans | $292,983,600 | 1,649 |
