| 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 | 4.2180% | 2,387 |
| Cost of funding earning assets | 0.6953% | 870 |
| Net interest margin | 3.5227% | 3,335 |
| Noninterest income to average assets | 0.2866% | 4,876 |
| Noninterest expense to average assets | 4.5940% | 402 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -1.0074% | 6,320 |
| Return on assets (ROA) | -0.9466% | 6,317 |
| Pretax return on assets | -0.9466% | 6,307 |
| Return on Equity (ROE) | -15.8517% | 6,348 |
| Retained earnings to average equity (ytd only) | -15.8517% | 6,229 |
| Net charge-offs to loans | -0.3960% | 6,203 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 128.0872% | 91 |
| Assets per employee ($millions) | 3.4941% | 4,907 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.2131% | 242 |
| Loan loss allowance to noncurrent loans | 32.9245% | 5,474 |
| Noncurrent assets plus other real estate owned to assets | 6.4835% | 150 |
| Noncurrent loans to loans | 9.7591% | 64 |
| Net loans and leases to total assets | 56.9645% | 4,093 |
| Net loans and leases to deposits | 65.4368% | 4,211 |
| Net loans and leases to core deposits | 68.7945% | 4,259 |
| Total domestic deposits to total assets | 87.0528% | 2,343 |
| Equity capital to assets | 6.0608% | 6,331 |
| Core capital (leverage) ratio | 6.2531% | 6,318 |
| Tier 1 risk-based capital ratio | 11.6723% | 5,453 |
| Total risk-based capital ratio | 12.9502% | 5,340 |
| Memoranda: |
| Average total assets | $46,060,000 | 5,815 |
| Average earning assets | $43,148,500 | 5,782 |
| Average equity | $2,750,500 | 6,240 |
| Average total loans | $27,270,500 | 5,626 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4228% | 2,150 |
| Cost of funding earning assets | 0.6752% | 1,239 |
| Net interest margin | 3.7476% | 2,816 |
| Noninterest income to average assets | 0.3813% | 4,331 |
| Noninterest expense to average assets | 4.5722% | 433 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | -0.6231% | 6,323 |
| Return on assets (ROA) | -0.5701% | 6,313 |
| Pretax return on assets | -0.5701% | 6,303 |
| Return on Equity (ROE) | -11.1461% | 6,378 |
| Retained earnings to average equity (ytd only) | -11.1461% | 6,336 |
| Net charge-offs to loans | 0.3790% | 1,136 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | -2.6639% | 4,849 |
| Efficiency ratio | 115.7790% | 152 |
| Assets per employee ($millions) | 3.5921% | 4,730 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.9921% | 301 |
| Loan loss allowance to noncurrent loans | 31.3489% | 5,619 |
| Noncurrent assets plus other real estate owned to assets | 6.4437% | 174 |
| Noncurrent loans to loans | 9.5444% | 74 |
| Net loans and leases to total assets | 57.7660% | 4,079 |
| Net loans and leases to deposits | 66.0860% | 4,315 |
| Net loans and leases to core deposits | 69.3659% | 4,379 |
| Total domestic deposits to total assets | 87.4103% | 2,078 |
| Equity capital to assets | 5.8847% | 6,418 |
| Core capital (leverage) ratio | 6.2052% | 6,392 |
| Tier 1 risk-based capital ratio | 12.0136% | 5,359 |
| Total risk-based capital ratio | 13.2892% | 5,243 |
| Memoranda: |
| Average total assets | $50,872,400 | 5,768 |
| Average earning assets | $48,431,000 | 5,711 |
| Average equity | $2,601,800 | 6,333 |
| Average total loans | $31,397,200 | 5,513 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4080% | 2,190 |
| Cost of funding earning assets | 0.6736% | 1,299 |
| Net interest margin | 3.7344% | 2,875 |
| Noninterest income to average assets | 0.4032% | 4,224 |
| Noninterest expense to average assets | 4.6202% | 411 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | -0.6574% | 6,410 |
| Return on assets (ROA) | -0.6574% | 6,410 |
| Pretax return on assets | -0.6574% | 6,396 |
| Return on Equity (ROE) | -13.3055% | 6,480 |
| Retained earnings to average equity (ytd only) | -13.3055% | 6,430 |
| Net charge-offs to loans | 0.5037% | 766 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | -2.0984% | 4,570 |
| Efficiency ratio | 116.5911% | 153 |
| Assets per employee ($millions) | 4.0738% | 3,725 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.5837% | 588 |
| Loan loss allowance to noncurrent loans | 30.6356% | 5,706 |
| Noncurrent assets plus other real estate owned to assets | 6.2616% | 210 |
| Noncurrent loans to loans | 8.4336% | 111 |
| Net loans and leases to total assets | 63.9399% | 3,181 |
| Net loans and leases to deposits | 72.7872% | 3,590 |
| Net loans and leases to core deposits | 75.7470% | 3,774 |
| Total domestic deposits to total assets | 87.8449% | 1,841 |
| Equity capital to assets | 5.4393% | 6,508 |
| Core capital (leverage) ratio | 5.9624% | 6,484 |
| Tier 1 risk-based capital ratio | 9.5209% | 6,432 |
| Total risk-based capital ratio | 10.7858% | 6,404 |
| Memoranda: |
| Average total assets | $51,916,250 | 5,808 |
| Average earning assets | $49,484,750 | 5,754 |
| Average equity | $2,565,250 | 6,411 |
| Average total loans | $32,294,750 | 5,528 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4275% | 2,073 |
| Cost of funding earning assets | 0.6750% | 1,342 |
| Net interest margin | 3.7524% | 2,748 |
| Noninterest income to average assets | 0.4950% | 3,511 |
| Noninterest expense to average assets | 4.8067% | 352 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | -0.7406% | 6,492 |
| Return on assets (ROA) | -0.7406% | 6,491 |
| Pretax return on assets | -0.7406% | 6,478 |
| Return on Equity (ROE) | -15.4696% | 6,554 |
| Retained earnings to average equity (ytd only) | -15.4696% | 6,503 |
| Net charge-offs to loans | 1.1123% | 292 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | -1.0889% | 4,209 |
| Efficiency ratio | 118.2156% | 155 |
| Assets per employee ($millions) | 3.9091% | 4,039 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.5083% | 699 |
| Loan loss allowance to noncurrent loans | 32.3542% | 5,722 |
| Noncurrent assets plus other real estate owned to assets | 6.4052% | 217 |
| Noncurrent loans to loans | 7.7526% | 142 |
| Net loans and leases to total assets | 58.9693% | 3,866 |
| Net loans and leases to deposits | 66.5534% | 4,216 |
| Net loans and leases to core deposits | 69.5306% | 4,317 |
| Total domestic deposits to total assets | 88.6044% | 1,581 |
| Equity capital to assets | 5.2599% | 6,574 |
| Core capital (leverage) ratio | 5.9739% | 6,537 |
| Tier 1 risk-based capital ratio | 9.8644% | 6,434 |
| Total risk-based capital ratio | 11.1300% | 6,401 |
| Memoranda: |
| Average total assets | $52,926,670 | 5,831 |
| Average earning assets | $50,367,330 | 5,778 |
| Average equity | $2,534,000 | 6,475 |
| Average total loans | $32,364,330 | 5,557 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4115% | 2,094 |
| Cost of funding earning assets | 0.6823% | 1,347 |
| Net interest margin | 3.7292% | 2,746 |
| Noninterest income to average assets | 0.3038% | 4,922 |
| Noninterest expense to average assets | 4.9795% | 319 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -1.1115% | 6,587 |
| Return on assets (ROA) | -1.1115% | 6,582 |
| Pretax return on assets | -1.1115% | 6,573 |
| Return on Equity (ROE) | -24.3457% | 6,644 |
| Retained earnings to average equity (ytd only) | -24.3457% | 6,578 |
| Net charge-offs to loans | 1.0248% | 325 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | -1.7647% | 3,530 |
| Efficiency ratio | 128.7356% | 125 |
| Assets per employee ($millions) | 3.2699% | 5,409 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.7038% | 621 |
| Loan loss allowance to noncurrent loans | 28.8474% | 5,886 |
| Noncurrent assets plus other real estate owned to assets | 6.7740% | 230 |
| Noncurrent loans to loans | 9.3728% | 113 |
| Net loans and leases to total assets | 59.5646% | 3,624 |
| Net loans and leases to deposits | 66.6831% | 4,005 |
| Net loans and leases to core deposits | 70.1806% | 4,069 |
| Total domestic deposits to total assets | 89.3249% | 1,460 |
| Equity capital to assets | 4.7039% | 6,652 |
| Core capital (leverage) ratio | 5.6833% | 6,615 |
| Tier 1 risk-based capital ratio | 9.7242% | 6,520 |
| Total risk-based capital ratio | 10.9908% | 6,498 |
| Memoranda: |
| Average total assets | $53,981,000 | 5,864 |
| Average earning assets | $51,592,500 | 5,796 |
| Average equity | $2,464,500 | 6,549 |
| Average total loans | $33,177,500 | 5,580 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4252% | 2,487 |
| Cost of funding earning assets | 0.7166% | 1,701 |
| Net interest margin | 3.7086% | 3,020 |
| Noninterest income to average assets | -0.2269% | 6,766 |
| Noninterest expense to average assets | 5.2861% | 288 |
| Loan and lease loss provision to assets | 0.3246% | 1,008 |
| Net operating income to assets | -2.3476% | 6,729 |
| Return on assets (ROA) | -2.3130% | 6,728 |
| Pretax return on assets | -2.3130% | 6,725 |
| Return on Equity (ROE) | -39.5794% | 6,759 |
| Retained earnings to average equity (ytd only) | -39.5794% | 6,756 |
| Net charge-offs to loans | 3.5320% | 54 |
| Credit loss provision to net charge-offs | 14.8095% | 4,530 |
| Earnings coverage of net charge-offs (x) | -0.9231% | 5,255 |
| Efficiency ratio | 161.9990% | 52 |
| Assets per employee ($millions) | 3.0913% | 5,690 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.7705% | 623 |
| Loan loss allowance to noncurrent loans | 22.4770% | 6,124 |
| Noncurrent assets plus other real estate owned to assets | 8.5508% | 170 |
| Noncurrent loans to loans | 12.3259% | 67 |
| Net loans and leases to total assets | 59.9795% | 3,728 |
| Net loans and leases to deposits | 66.7220% | 4,214 |
| Net loans and leases to core deposits | 71.5097% | 4,124 |
| Total domestic deposits to total assets | 89.8947% | 1,135 |
| Equity capital to assets | 4.4353% | 6,727 |
| Core capital (leverage) ratio | 5.3387% | 6,697 |
| Tier 1 risk-based capital ratio | 9.4192% | 6,614 |
| Total risk-based capital ratio | 10.6881% | 6,593 |
| Memoranda: |
| Average total assets | $63,468,600 | 5,666 |
| Average earning assets | $59,726,400 | 5,600 |
| Average equity | $3,709,000 | 6,391 |
| Average total loans | $39,382,800 | 5,372 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4474% | 2,435 |
| Cost of funding earning assets | 0.7166% | 1,836 |
| Net interest margin | 3.7308% | 2,917 |
| Noninterest income to average assets | -0.4341% | 6,864 |
| Noninterest expense to average assets | 5.2395% | 294 |
| Loan and lease loss provision to assets | 0.4198% | 699 |
| Net operating income to assets | -2.5922% | 6,824 |
| Return on assets (ROA) | -2.5474% | 6,826 |
| Pretax return on assets | -2.5474% | 6,823 |
| Return on Equity (ROE) | -41.4662% | 6,849 |
| Retained earnings to average equity (ytd only) | -41.4662% | 6,846 |
| Net charge-offs to loans | 3.2704% | 67 |
| Credit loss provision to net charge-offs | 20.6620% | 4,068 |
| Earnings coverage of net charge-offs (x) | -1.0692% | 5,022 |
| Efficiency ratio | 170.8306% | 45 |
| Assets per employee ($millions) | 2.9905% | 5,866 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.7520% | 277 |
| Loan loss allowance to noncurrent loans | 28.3337% | 6,039 |
| Noncurrent assets plus other real estate owned to assets | 8.6687% | 192 |
| Noncurrent loans to loans | 13.2420% | 65 |
| Net loans and leases to total assets | 54.9402% | 4,469 |
| Net loans and leases to deposits | 60.9056% | 4,875 |
| Net loans and leases to core deposits | 64.7457% | 4,820 |
| Total domestic deposits to total assets | 90.2056% | 892 |
| Equity capital to assets | 4.7499% | 6,788 |
| Core capital (leverage) ratio | 5.3780% | 6,765 |
| Tier 1 risk-based capital ratio | 9.7343% | 6,651 |
| Total risk-based capital ratio | 11.0139% | 6,628 |
| Memoranda: |
| Average total assets | $65,424,750 | 5,670 |
| Average earning assets | $61,397,750 | 5,616 |
| Average equity | $4,019,250 | 6,398 |
| Average total loans | $40,647,000 | 5,368 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6261% | 1,764 |
| Cost of funding earning assets | 0.7269% | 1,868 |
| Net interest margin | 3.8992% | 2,211 |
| Noninterest income to average assets | 0.0664% | 6,619 |
| Noninterest expense to average assets | 5.2399% | 300 |
| Loan and lease loss provision to assets | 0.6214% | 401 |
| Net operating income to assets | -2.1539% | 6,857 |
| Return on assets (ROA) | -2.0875% | 6,860 |
| Pretax return on assets | -2.0875% | 6,853 |
| Return on Equity (ROE) | -31.7092% | 6,866 |
| Retained earnings to average equity (ytd only) | -31.7092% | 6,854 |
| Net charge-offs to loans | 4.1802% | 49 |
| Credit loss provision to net charge-offs | 23.3296% | 3,685 |
| Earnings coverage of net charge-offs (x) | -0.5753% | 4,672 |
| Efficiency ratio | 141.3344% | 96 |
| Assets per employee ($millions) | 3.0116% | 5,833 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.7693% | 301 |
| Loan loss allowance to noncurrent loans | 32.4439% | 5,935 |
| Noncurrent assets plus other real estate owned to assets | 8.7102% | 206 |
| Noncurrent loans to loans | 11.6181% | 97 |
| Net loans and leases to total assets | 56.2183% | 4,243 |
| Net loans and leases to deposits | 62.7736% | 4,657 |
| Net loans and leases to core deposits | 66.2399% | 4,667 |
| Total domestic deposits to total assets | 89.5572% | 1,288 |
| Equity capital to assets | 5.6146% | 6,778 |
| Core capital (leverage) ratio | 6.0112% | 6,754 |
| Tier 1 risk-based capital ratio | 10.4551% | 6,520 |
| Total risk-based capital ratio | 11.7352% | 6,485 |
| Memoranda: |
| Average total assets | $66,299,330 | 5,680 |
| Average earning assets | $61,909,670 | 5,631 |
| Average equity | $4,364,670 | 6,366 |
| Average total loans | $42,246,670 | 5,326 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8085% | 1,269 |
| Cost of funding earning assets | 0.7691% | 1,714 |
| Net interest margin | 4.0394% | 1,648 |
| Noninterest income to average assets | 1.0736% | 1,288 |
| Noninterest expense to average assets | 5.3678% | 288 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -0.5247% | 6,684 |
| Return on assets (ROA) | -0.4101% | 6,665 |
| Pretax return on assets | -0.4101% | 6,638 |
| Return on Equity (ROE) | -5.8033% | 6,713 |
| Retained earnings to average equity (ytd only) | -5.8033% | 6,408 |
| Net charge-offs to loans | 1.2359% | 465 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | -0.6397% | 3,936 |
| Efficiency ratio | 110.8344% | 319 |
| Assets per employee ($millions) | 2.6479% | 6,450 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.5996% | 181 |
| Loan loss allowance to noncurrent loans | 53.6913% | 4,997 |
| Noncurrent assets plus other real estate owned to assets | 8.8613% | 261 |
| Noncurrent loans to loans | 8.5668% | 292 |
| Net loans and leases to total assets | 62.6635% | 2,940 |
| Net loans and leases to deposits | 71.0150% | 3,324 |
| Net loans and leases to core deposits | 74.1346% | 3,559 |
| Total domestic deposits to total assets | 88.2398% | 2,170 |
| Equity capital to assets | 6.9760% | 6,715 |
| Core capital (leverage) ratio | 6.8766% | 6,678 |
| Tier 1 risk-based capital ratio | 11.1911% | 6,318 |
| Total risk-based capital ratio | 12.4838% | 6,275 |
| Memoranda: |
| Average total assets | $66,321,000 | 5,731 |
| Average earning assets | $61,891,000 | 5,681 |
| Average equity | $4,687,000 | 6,343 |
| Average total loans | $44,016,500 | 5,297 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6134% | 2,945 |
| Cost of funding earning assets | 0.9262% | 1,779 |
| Net interest margin | 3.6872% | 3,700 |
| Noninterest income to average assets | 0.3787% | 4,762 |
| Noninterest expense to average assets | 5.2672% | 315 |
| Loan and lease loss provision to assets | 1.4111% | 236 |
| Net operating income to assets | -2.8388% | 6,999 |
| Return on assets (ROA) | -2.4325% | 6,973 |
| Pretax return on assets | -2.4325% | 6,974 |
| Return on Equity (ROE) | -38.9984% | 6,990 |
| Retained earnings to average equity (ytd only) | -38.9984% | 6,981 |
| Net charge-offs to loans | 1.5220% | 578 |
| Credit loss provision to net charge-offs | 144.8227% | 1,889 |
| Earnings coverage of net charge-offs (x) | -1.4652% | 5,803 |
| Efficiency ratio | 137.1850% | 127 |
| Assets per employee ($millions) | 2.7685% | 6,346 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.7945% | 148 |
| Loan loss allowance to noncurrent loans | 48.6117% | 5,199 |
| Noncurrent assets plus other real estate owned to assets | 9.3011% | 254 |
| Noncurrent loans to loans | 9.8629% | 241 |
| Net loans and leases to total assets | 63.8357% | 2,922 |
| Net loans and leases to deposits | 72.5216% | 3,321 |
| Net loans and leases to core deposits | 77.8343% | 3,284 |
| Total domestic deposits to total assets | 88.0230% | 2,224 |
| Equity capital to assets | 7.1579% | 6,736 |
| Core capital (leverage) ratio | 7.1516% | 6,655 |
| Tier 1 risk-based capital ratio | 11.1333% | 6,300 |
| Total risk-based capital ratio | 12.4289% | 6,243 |
| Memoranda: |
| Average total assets | $72,353,600 | 5,571 |
| Average earning assets | $67,911,400 | 5,495 |
| Average equity | $4,513,000 | 6,441 |
| Average total loans | $46,322,000 | 5,235 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5680% | 3,344 |
| Cost of funding earning assets | 0.9732% | 1,719 |
| Net interest margin | 3.5948% | 4,255 |
| Noninterest income to average assets | 0.2962% | 5,404 |
| Noninterest expense to average assets | 5.4068% | 285 |
| Loan and lease loss provision to assets | 0.7783% | 624 |
| Net operating income to assets | -2.5138% | 7,090 |
| Return on assets (ROA) | -2.1255% | 7,063 |
| Pretax return on assets | -2.1255% | 7,048 |
| Return on Equity (ROE) | -35.2471% | 7,085 |
| Retained earnings to average equity (ytd only) | -35.2471% | 7,077 |
| Net charge-offs to loans | 0.7156% | 1,543 |
| Credit loss provision to net charge-offs | 171.7131% | 1,622 |
| Earnings coverage of net charge-offs (x) | -3.8287% | 5,690 |
| Efficiency ratio | 147.2700% | 98 |
| Assets per employee ($millions) | 2.5643% | 6,636 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.4840% | 211 |
| Loan loss allowance to noncurrent loans | 43.4405% | 5,482 |
| Noncurrent assets plus other real estate owned to assets | 9.6607% | 260 |
| Noncurrent loans to loans | 10.3222% | 231 |
| Net loans and leases to total assets | 63.8994% | 3,040 |
| Net loans and leases to deposits | 73.5168% | 3,366 |
| Net loans and leases to core deposits | 78.7282% | 3,360 |
| Total domestic deposits to total assets | 86.9180% | 2,724 |
| Equity capital to assets | 8.1473% | 6,519 |
| Core capital (leverage) ratio | 7.7894% | 6,473 |
| Tier 1 risk-based capital ratio | 11.5979% | 6,169 |
| Total risk-based capital ratio | 12.8868% | 6,121 |
| Memoranda: |
| Average total assets | $73,831,000 | 5,578 |
| Average earning assets | $69,320,500 | 5,517 |
| Average equity | $4,452,250 | 6,525 |
| Average total loans | $46,764,750 | 5,282 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4893% | 3,810 |
| Cost of funding earning assets | 1.0497% | 1,471 |
| Net interest margin | 3.4396% | 4,927 |
| Noninterest income to average assets | 0.2939% | 5,452 |
| Noninterest expense to average assets | 5.3610% | 298 |
| Loan and lease loss provision to assets | 0.6481% | 878 |
| Net operating income to assets | -2.4824% | 7,120 |
| Return on assets (ROA) | -2.1517% | 7,098 |
| Pretax return on assets | -2.1517% | 7,086 |
| Return on Equity (ROE) | -39.7511% | 7,143 |
| Retained earnings to average equity (ytd only) | -39.7511% | 7,137 |
| Net charge-offs to loans | 0.1011% | 4,154 |
| Credit loss provision to net charge-offs | 1,029.1667% | 316 |
| Earnings coverage of net charge-offs (x) | -29.1250% | 5,488 |
| Efficiency ratio | 152.0089% | 94 |
| Assets per employee ($millions) | 2.9138% | 6,214 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.4251% | 246 |
| Loan loss allowance to noncurrent loans | 42.6603% | 5,521 |
| Noncurrent assets plus other real estate owned to assets | 8.5257% | 384 |
| Noncurrent loans to loans | 10.3730% | 242 |
| Net loans and leases to total assets | 63.0988% | 3,217 |
| Net loans and leases to deposits | 72.3776% | 3,554 |
| Net loans and leases to core deposits | 77.2253% | 3,625 |
| Total domestic deposits to total assets | 87.1800% | 2,666 |
| Equity capital to assets | 8.1267% | 6,504 |
| Core capital (leverage) ratio | 7.6779% | 6,527 |
| Tier 1 risk-based capital ratio | 12.2772% | 5,744 |
| Total risk-based capital ratio | 13.5665% | 5,688 |
| Memoranda: |
| Average total assets | $76,217,330 | 5,543 |
| Average earning assets | $71,636,670 | 5,473 |
| Average equity | $4,125,670 | 6,650 |
| Average total loans | $47,485,330 | 5,287 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4573% | 4,080 |
| Cost of funding earning assets | 1.1492% | 1,178 |
| Net interest margin | 3.3081% | 5,445 |
| Noninterest income to average assets | 0.2319% | 5,968 |
| Noninterest expense to average assets | 5.6955% | 235 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -2.3588% | 7,180 |
| Return on assets (ROA) | -2.3588% | 7,185 |
| Pretax return on assets | -2.3588% | 7,168 |
| Return on Equity (ROE) | -55.9307% | 7,235 |
| Retained earnings to average equity (ytd only) | -55.9307% | 7,225 |
| Net charge-offs to loans | -0.0831% | 6,729 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 170.6949% | 68 |
| Assets per employee ($millions) | 3.1180% | 5,924 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.9441% | 385 |
| Loan loss allowance to noncurrent loans | 64.1205% | 4,310 |
| Noncurrent assets plus other real estate owned to assets | 5.0581% | 1,024 |
| Noncurrent loans to loans | 6.1511% | 808 |
| Net loans and leases to total assets | 59.5582% | 3,760 |
| Net loans and leases to deposits | 66.6986% | 4,276 |
| Net loans and leases to core deposits | 76.0754% | 3,610 |
| Total domestic deposits to total assets | 89.2945% | 1,482 |
| Equity capital to assets | 6.3557% | 7,036 |
| Core capital (leverage) ratio | 5.8535% | 7,052 |
| Tier 1 risk-based capital ratio | 10.0264% | 6,874 |
| Total risk-based capital ratio | 11.3090% | 6,860 |
| Memoranda: |
| Average total assets | $79,361,000 | 5,496 |
| Average earning assets | $74,484,500 | 5,415 |
| Average equity | $3,347,000 | 6,888 |
| Average total loans | $48,144,000 | 5,300 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9525% | 3,097 |
| Cost of funding earning assets | 1.3179% | 1,397 |
| Net interest margin | 3.6346% | 4,595 |
| Noninterest income to average assets | -0.5343% | 7,271 |
| Noninterest expense to average assets | 4.4540% | 609 |
| Loan and lease loss provision to assets | 3.1167% | 116 |
| Net operating income to assets | -4.7363% | 7,294 |
| Return on assets (ROA) | -4.4900% | 7,287 |
| Pretax return on assets | -4.4900% | 7,293 |
| Return on Equity (ROE) | -86.5343% | 7,298 |
| Retained earnings to average equity (ytd only) | -86.5343% | 7,298 |
| Net charge-offs to loans | 3.9364% | 159 |
| Credit loss provision to net charge-offs | 124.0931% | 2,530 |
| Earnings coverage of net charge-offs (x) | -0.6449% | 6,130 |
| Efficiency ratio | 157.1429% | 120 |
| Assets per employee ($millions) | 3.9948% | 3,864 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.6480% | 486 |
| Loan loss allowance to noncurrent loans | 73.0630% | 3,932 |
| Noncurrent assets plus other real estate owned to assets | 6.2176% | 773 |
| Noncurrent loans to loans | 4.9930% | 1,127 |
| Net loans and leases to total assets | 57.3005% | 4,498 |
| Net loans and leases to deposits | 61.8375% | 5,267 |
| Net loans and leases to core deposits | 79.1771% | 3,555 |
| Total domestic deposits to total assets | 92.6631% | 162 |
| Equity capital to assets | 2.3101% | 7,306 |
| Core capital (leverage) ratio | 2.2808% | 7,304 |
| Tier 1 risk-based capital ratio | 3.8681% | 7,283 |
| Total risk-based capital ratio | 5.1449% | 7,284 |
| Memoranda: |
| Average total assets | $88,908,600 | 5,210 |
| Average earning assets | $82,402,600 | 5,160 |
| Average equity | $4,613,200 | 6,555 |
| Average total loans | $56,727,000 | 4,997 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0831% | 2,691 |
| Cost of funding earning assets | 1.3330% | 1,539 |
| Net interest margin | 3.7501% | 4,108 |
| Noninterest income to average assets | -0.0074% | 7,128 |
| Noninterest expense to average assets | 4.0858% | 914 |
| Loan and lease loss provision to assets | 3.0980% | 103 |
| Net operating income to assets | -3.7176% | 7,318 |
| Return on assets (ROA) | -3.3938% | 7,301 |
| Pretax return on assets | -3.3938% | 7,298 |
| Return on Equity (ROE) | -57.9311% | 7,313 |
| Retained earnings to average equity (ytd only) | -57.9311% | 7,310 |
| Net charge-offs to loans | 4.3397% | 133 |
| Credit loss provision to net charge-offs | 110.1472% | 2,995 |
| Earnings coverage of net charge-offs (x) | -0.2203% | 5,730 |
| Efficiency ratio | 117.8754% | 326 |
| Assets per employee ($millions) | 3.7470% | 4,414 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.8727% | 957 |
| Loan loss allowance to noncurrent loans | 66.5614% | 4,121 |
| Noncurrent assets plus other real estate owned to assets | 6.4274% | 809 |
| Noncurrent loans to loans | 4.3158% | 1,521 |
| Net loans and leases to total assets | 55.4566% | 4,925 |
| Net loans and leases to deposits | 63.1414% | 5,274 |
| Net loans and leases to core deposits | 81.3119% | 3,437 |
| Total domestic deposits to total assets | 87.8292% | 2,150 |
| Equity capital to assets | 4.1411% | 7,317 |
| Core capital (leverage) ratio | 4.1178% | 7,294 |
| Tier 1 risk-based capital ratio | 6.5972% | 7,269 |
| Total risk-based capital ratio | 7.8631% | 7,268 |
| Memoranda: |
| Average total assets | $90,163,000 | 5,222 |
| Average earning assets | $83,516,500 | 5,173 |
| Average equity | $5,282,000 | 6,408 |
| Average total loans | $58,436,250 | 4,971 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2719% | 1,988 |
| Cost of funding earning assets | 1.3735% | 1,535 |
| Net interest margin | 3.8984% | 3,316 |
| Noninterest income to average assets | 0.1019% | 6,813 |
| Noninterest expense to average assets | 3.8253% | 1,315 |
| Loan and lease loss provision to assets | 1.3852% | 529 |
| Net operating income to assets | -1.4916% | 7,094 |
| Return on assets (ROA) | -1.4916% | 7,106 |
| Pretax return on assets | -1.4916% | 7,066 |
| Return on Equity (ROE) | -23.2016% | 7,181 |
| Retained earnings to average equity (ytd only) | -23.2016% | 7,169 |
| Net charge-offs to loans | 1.0691% | 1,471 |
| Credit loss provision to net charge-offs | 192.3077% | 1,567 |
| Earnings coverage of net charge-offs (x) | -0.1477% | 5,377 |
| Efficiency ratio | 102.8605% | 639 |
| Assets per employee ($millions) | 3.8250% | 4,135 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.8693% | 1,018 |
| Loan loss allowance to noncurrent loans | 139.7527% | 2,119 |
| Noncurrent assets plus other real estate owned to assets | 5.2331% | 1,160 |
| Noncurrent loans to loans | 2.0531% | 3,404 |
| Net loans and leases to total assets | 58.3360% | 4,568 |
| Net loans and leases to deposits | 67.7689% | 4,747 |
| Net loans and leases to core deposits | 87.2810% | 2,730 |
| Total domestic deposits to total assets | 86.0808% | 3,280 |
| Equity capital to assets | 6.0054% | 7,241 |
| Core capital (leverage) ratio | 5.8062% | 7,223 |
| Tier 1 risk-based capital ratio | 8.8691% | 7,191 |
| Total risk-based capital ratio | 10.1361% | 7,189 |
| Memoranda: |
| Average total assets | $90,241,330 | 5,249 |
| Average earning assets | $83,727,330 | 5,203 |
| Average equity | $5,801,330 | 6,289 |
| Average total loans | $60,799,670 | 4,922 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1942% | 2,244 |
| Cost of funding earning assets | 1.4075% | 1,570 |
| Net interest margin | 3.7867% | 3,672 |
| Noninterest income to average assets | 0.2951% | 5,556 |
| Noninterest expense to average assets | 3.9794% | 1,064 |
| Loan and lease loss provision to assets | 0.4918% | 1,780 |
| Net operating income to assets | -0.6394% | 6,889 |
| Return on assets (ROA) | -0.6394% | 6,894 |
| Pretax return on assets | -0.6394% | 6,839 |
| Return on Equity (ROE) | -9.6207% | 7,016 |
| Retained earnings to average equity (ytd only) | -9.6207% | 6,848 |
| Net charge-offs to loans | 0.6098% | 1,976 |
| Credit loss provision to net charge-offs | 113.4021% | 2,368 |
| Earnings coverage of net charge-offs (x) | -0.3402% | 4,745 |
| Efficiency ratio | 103.8506% | 633 |
| Assets per employee ($millions) | 3.8220% | 4,256 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0212% | 2,354 |
| Loan loss allowance to noncurrent loans | 40.7617% | 5,577 |
| Noncurrent assets plus other real estate owned to assets | 5.6013% | 1,064 |
| Noncurrent loans to loans | 4.9586% | 1,366 |
| Net loans and leases to total assets | 68.4360% | 2,469 |
| Net loans and leases to deposits | 79.9997% | 2,725 |
| Net loans and leases to core deposits | 112.9412% | 631 |
| Total domestic deposits to total assets | 85.5453% | 3,761 |
| Equity capital to assets | 6.4430% | 7,220 |
| Core capital (leverage) ratio | 6.6108% | 7,142 |
| Tier 1 risk-based capital ratio | 8.8480% | 7,235 |
| Total risk-based capital ratio | 10.1067% | 7,238 |
| Memoranda: |
| Average total assets | $89,461,500 | 5,308 |
| Average earning assets | $83,555,000 | 5,248 |
| Average equity | $5,945,500 | 6,266 |
| Average total loans | $63,632,000 | 4,848 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5396% | 2,124 |
| Cost of funding earning assets | 1.7240% | 1,489 |
| Net interest margin | 3.8156% | 3,885 |
| Noninterest income to average assets | 0.1576% | 6,598 |
| Noninterest expense to average assets | 4.2908% | 819 |
| Loan and lease loss provision to assets | 2.0954% | 613 |
| Net operating income to assets | -2.7417% | 7,234 |
| Return on assets (ROA) | -2.4462% | 7,180 |
| Pretax return on assets | -2.4462% | 7,148 |
| Return on Equity (ROE) | -26.5470% | 7,168 |
| Retained earnings to average equity (ytd only) | -26.5470% | 7,154 |
| Net charge-offs to loans | 3.7318% | 363 |
| Credit loss provision to net charge-offs | 83.5014% | 5,410 |
| Earnings coverage of net charge-offs (x) | -0.2576% | 6,327 |
| Efficiency ratio | 117.7343% | 432 |
| Assets per employee ($millions) | 3.6331% | 4,625 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0287% | 2,229 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.3774% | 2,889 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 71.0041% | 2,303 |
| Net loans and leases to deposits | 83.8973% | 2,465 |
| Net loans and leases to core deposits | 124.2090% | 424 |
| Total domestic deposits to total assets | 84.6321% | 4,041 |
| Equity capital to assets | 6.8593% | 7,155 |
| Core capital (leverage) ratio | 6.6971% | 7,143 |
| Tier 1 risk-based capital ratio | 9.2774% | 7,191 |
| Total risk-based capital ratio | 10.5367% | 7,191 |
| Memoranda: |
| Average total assets | $86,952,800 | 5,381 |
| Average earning assets | $79,464,200 | 5,366 |
| Average equity | $8,012,200 | 5,710 |
| Average total loans | $58,471,200 | 5,132 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4384% | 2,700 |
| Cost of funding earning assets | 1.7852% | 1,481 |
| Net interest margin | 3.6531% | 4,620 |
| Noninterest income to average assets | 0.2670% | 5,984 |
| Noninterest expense to average assets | 4.3992% | 663 |
| Loan and lease loss provision to assets | 2.0791% | 559 |
| Net operating income to assets | -1.8231% | 7,189 |
| Return on assets (ROA) | -1.6081% | 7,146 |
| Pretax return on assets | -2.5533% | 7,331 |
| Return on Equity (ROE) | -16.4002% | 7,142 |
| Retained earnings to average equity (ytd only) | -16.4002% | 7,118 |
| Net charge-offs to loans | 5.0129% | 174 |
| Credit loss provision to net charge-offs | 62.9062% | 5,619 |
| Earnings coverage of net charge-offs (x) | -0.2451% | 6,209 |
| Efficiency ratio | 122.5737% | 366 |
| Assets per employee ($millions) | 3.7291% | 4,437 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3655% | 4,643 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.6548% | 2,726 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 68.0387% | 3,205 |
| Net loans and leases to deposits | 83.4645% | 2,794 |
| Net loans and leases to core deposits | 124.8212% | 478 |
| Total domestic deposits to total assets | 81.5182% | 5,193 |
| Equity capital to assets | 9.9152% | 4,271 |
| Core capital (leverage) ratio | 6.9547% | 7,190 |
| Tier 1 risk-based capital ratio | 9.7203% | 7,178 |
| Total risk-based capital ratio | 10.9778% | 7,168 |
| Memoranda: |
| Average total assets | $86,892,250 | 5,448 |
| Average earning assets | $79,017,000 | 5,433 |
| Average equity | $8,520,000 | 5,618 |
| Average total loans | $57,290,500 | 5,261 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1682% | 4,102 |
| Cost of funding earning assets | 1.8438% | 1,457 |
| Net interest margin | 3.3244% | 5,926 |
| Noninterest income to average assets | 0.3069% | 5,705 |
| Noninterest expense to average assets | 4.1245% | 888 |
| Loan and lease loss provision to assets | 1.1811% | 1,191 |
| Net operating income to assets | -1.2336% | 7,048 |
| Return on assets (ROA) | -1.1369% | 7,022 |
| Pretax return on assets | -1.8042% | 7,175 |
| Return on Equity (ROE) | -11.6401% | 7,024 |
| Retained earnings to average equity (ytd only) | -11.6401% | 6,982 |
| Net charge-offs to loans | 3.8023% | 360 |
| Credit loss provision to net charge-offs | 47.8794% | 5,464 |
| Earnings coverage of net charge-offs (x) | -0.3139% | 5,934 |
| Efficiency ratio | 123.1090% | 377 |
| Assets per employee ($millions) | 3.2577% | 5,536 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8032% | 2,706 |
| Loan loss allowance to noncurrent loans | 116.2220% | 2,405 |
| Noncurrent assets plus other real estate owned to assets | 3.3953% | 2,071 |
| Noncurrent loans to loans | 1.5515% | 4,387 |
| Net loans and leases to total assets | 65.0145% | 4,039 |
| Net loans and leases to deposits | 79.4361% | 3,706 |
| Net loans and leases to core deposits | 123.7748% | 575 |
| Total domestic deposits to total assets | 81.8451% | 5,052 |
| Equity capital to assets | 9.5960% | 4,557 |
| Core capital (leverage) ratio | 7.1107% | 7,120 |
| Tier 1 risk-based capital ratio | 9.7469% | 7,161 |
| Total risk-based capital ratio | 11.0029% | 7,145 |
| Memoranda: |
| Average total assets | $86,023,330 | 5,506 |
| Average earning assets | $78,750,670 | 5,483 |
| Average equity | $8,402,000 | 5,660 |
| Average total loans | $55,808,330 | 5,355 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9012% | 5,457 |
| Cost of funding earning assets | 1.8490% | 1,661 |
| Net interest margin | 3.0522% | 6,709 |
| Noninterest income to average assets | 0.3500% | 5,338 |
| Noninterest expense to average assets | 4.2288% | 779 |
| Loan and lease loss provision to assets | 0.8678% | 1,472 |
| Net operating income to assets | -1.2222% | 7,225 |
| Return on assets (ROA) | -1.0596% | 7,162 |
| Pretax return on assets | -1.6829% | 7,312 |
| Return on Equity (ROE) | -10.7458% | 7,160 |
| Retained earnings to average equity (ytd only) | -10.7458% | 7,002 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 133.8392% | 299 |
| Assets per employee ($millions) | 3.1569% | 5,869 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.1229% | 743 |
| Loan loss allowance to noncurrent loans | 50.6952% | 4,946 |
| Noncurrent assets plus other real estate owned to assets | 4.9800% | 1,295 |
| Noncurrent loans to loans | 6.1601% | 1,058 |
| Net loans and leases to total assets | 63.9783% | 4,335 |
| Net loans and leases to deposits | 77.4550% | 4,139 |
| Net loans and leases to core deposits | 126.3726% | 573 |
| Total domestic deposits to total assets | 82.6006% | 4,800 |
| Equity capital to assets | 9.1737% | 5,026 |
| Core capital (leverage) ratio | 7.4699% | 6,881 |
| Tier 1 risk-based capital ratio | 9.3228% | 7,383 |
| Total risk-based capital ratio | 10.6254% | 7,364 |
| Memoranda: |
| Average total assets | $83,427,500 | 5,650 |
| Average earning assets | $76,797,500 | 5,609 |
| Average equity | $8,226,500 | 5,757 |
| Average total loans | $53,516,500 | 5,515 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8400% | 6,861 |
| Cost of funding earning assets | 2.1933% | 2,069 |
| Net interest margin | 2.6467% | 7,285 |
| Noninterest income to average assets | 0.3597% | 5,514 |
| Noninterest expense to average assets | 5.0669% | 493 |
| Loan and lease loss provision to assets | 2.5209% | 786 |
| Net operating income to assets | -2.9929% | 7,385 |
| Return on assets (ROA) | -2.4975% | 7,265 |
| Pretax return on assets | -4.0254% | 7,531 |
| Return on Equity (ROE) | -16.8368% | 7,025 |
| Retained earnings to average equity (ytd only) | -16.8368% | 6,980 |
| Net charge-offs to loans | 0.8986% | 2,592 |
| Credit loss provision to net charge-offs | 474.1176% | 647 |
| Earnings coverage of net charge-offs (x) | -4.2853% | 7,092 |
| Efficiency ratio | 181.7162% | 180 |
| Assets per employee ($millions) | 2.8022% | 6,654 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.3746% | 585 |
| Loan loss allowance to noncurrent loans | 81.6103% | 3,392 |
| Noncurrent assets plus other real estate owned to assets | 2.9658% | 2,363 |
| Noncurrent loans to loans | 4.1351% | 1,774 |
| Net loans and leases to total assets | 59.9215% | 5,353 |
| Net loans and leases to deposits | 73.8533% | 5,062 |
| Net loans and leases to core deposits | 147.1656% | 582 |
| Total domestic deposits to total assets | 81.1359% | 5,302 |
| Equity capital to assets | 10.6346% | 3,038 |
| Core capital (leverage) ratio | 11.3936% | 1,973 |
| Tier 1 risk-based capital ratio | 14.7830% | 3,054 |
| Total risk-based capital ratio | 16.0323% | 3,009 |
| Memoranda: |
| Average total assets | $63,944,600 | 6,203 |
| Average earning assets | $58,677,800 | 6,189 |
| Average equity | $9,485,200 | 5,449 |
| Average total loans | $37,836,000 | 6,206 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8238% | 7,066 |
| Cost of funding earning assets | 2.2019% | 2,411 |
| Net interest margin | 2.6220% | 7,328 |
| Noninterest income to average assets | 0.3670% | 5,571 |
| Noninterest expense to average assets | 5.1815% | 430 |
| Loan and lease loss provision to assets | 0.8002% | 2,362 |
| Net operating income to assets | -2.0319% | 7,333 |
| Return on assets (ROA) | -1.5297% | 7,130 |
| Pretax return on assets | -2.4294% | 7,322 |
| Return on Equity (ROE) | -9.4431% | 6,855 |
| Retained earnings to average equity (ytd only) | -9.4431% | 6,757 |
| Net charge-offs to loans | 0.4858% | 3,283 |
| Credit loss provision to net charge-offs | 282.8125% | 1,485 |
| Earnings coverage of net charge-offs (x) | -8.5313% | 6,896 |
| Efficiency ratio | 187.2204% | 176 |
| Assets per employee ($millions) | 2.4554% | 7,297 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4221% | 3,826 |
| Loan loss allowance to noncurrent loans | 23.7608% | 6,856 |
| Noncurrent assets plus other real estate owned to assets | 3.4509% | 1,937 |
| Noncurrent loans to loans | 5.9851% | 990 |
| Net loans and leases to total assets | 56.8388% | 6,050 |
| Net loans and leases to deposits | 71.9542% | 5,662 |
| Net loans and leases to core deposits | 151.8662% | 545 |
| Total domestic deposits to total assets | 78.9930% | 5,806 |
| Equity capital to assets | 12.7245% | 1,816 |
| Core capital (leverage) ratio | 13.6584% | 1,183 |
| Tier 1 risk-based capital ratio | 18.7822% | 1,803 |
| Total risk-based capital ratio | 20.0077% | 1,764 |
| Memoranda: |
| Average total assets | $60,315,500 | 6,379 |
| Average earning assets | $55,224,500 | 6,372 |
| Average equity | $9,770,500 | 5,409 |
| Average total loans | $35,130,750 | 6,397 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9731% | 6,862 |
| Cost of funding earning assets | 2.1794% | 2,889 |
| Net interest margin | 2.7937% | 7,026 |
| Noninterest income to average assets | 0.3902% | 5,377 |
| Noninterest expense to average assets | 5.1587% | 465 |
| Loan and lease loss provision to assets | 0.8198% | 2,043 |
| Net operating income to assets | -1.9214% | 7,411 |
| Return on assets (ROA) | -1.2387% | 7,143 |
| Pretax return on assets | -1.9654% | 7,278 |
| Return on Equity (ROE) | -6.9878% | 6,797 |
| Retained earnings to average equity (ytd only) | -6.9878% | 6,554 |
| Net charge-offs to loans | 0.5324% | 2,729 |
| Credit loss provision to net charge-offs | 263.2184% | 1,771 |
| Earnings coverage of net charge-offs (x) | -7.1034% | 6,491 |
| Efficiency ratio | 175.0911% | 267 |
| Assets per employee ($millions) | 2.6182% | 7,017 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3333% | 4,082 |
| Loan loss allowance to noncurrent loans | 57.4635% | 4,589 |
| Noncurrent assets plus other real estate owned to assets | 1.4180% | 4,125 |
| Noncurrent loans to loans | 2.3203% | 3,118 |
| Net loans and leases to total assets | 60.2957% | 5,629 |
| Net loans and leases to deposits | 80.1438% | 4,522 |
| Net loans and leases to core deposits | 166.2556% | 367 |
| Total domestic deposits to total assets | 75.2343% | 6,714 |
| Equity capital to assets | 15.3349% | 964 |
| Core capital (leverage) ratio | 16.5546% | 668 |
| Tier 1 risk-based capital ratio | 20.9393% | 1,411 |
| Total risk-based capital ratio | 22.0556% | 1,393 |
| Memoranda: |
| Average total assets | $55,867,000 | 6,599 |
| Average earning assets | $51,115,330 | 6,591 |
| Average equity | $9,903,000 | 5,387 |
| Average total loans | $32,683,670 | 6,575 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0324% | 6,853 |
| Cost of funding earning assets | 2.1744% | 3,302 |
| Net interest margin | 2.8580% | 6,857 |
| Noninterest income to average assets | 0.4658% | 4,632 |
| Noninterest expense to average assets | 5.0704% | 462 |
| Loan and lease loss provision to assets | 0.6338% | 1,991 |
| Net operating income to assets | -1.6436% | 7,557 |
| Return on assets (ROA) | -1.0767% | 7,310 |
| Pretax return on assets | -1.7029% | 7,437 |
| Return on Equity (ROE) | -5.6195% | 7,032 |
| Retained earnings to average equity (ytd only) | -5.6195% | 6,639 |
| Net charge-offs to loans | 0.7913% | 1,630 |
| Credit loss provision to net charge-offs | 140.6780% | 2,903 |
| Earnings coverage of net charge-offs (x) | -4.3390% | 5,553 |
| Efficiency ratio | 162.7451% | 294 |
| Assets per employee ($millions) | 2.4154% | 7,435 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2244% | 4,628 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 54.8284% | 6,381 |
| Net loans and leases to deposits | 75.9420% | 5,233 |
| Net loans and leases to core deposits | 161.6273% | 473 |
| Total domestic deposits to total assets | 72.1977% | 7,177 |
| Equity capital to assets | 17.1658% | 704 |
| Core capital (leverage) ratio | 18.5131% | 499 |
| Tier 1 risk-based capital ratio | 26.4109% | 852 |
| Total risk-based capital ratio | 27.4717% | 857 |
| Memoranda: |
| Average total assets | $52,382,000 | 6,767 |
| Average earning assets | $48,565,000 | 6,726 |
| Average equity | $10,036,500 | 5,374 |
| Average total loans | $29,825,500 | 6,778 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2989% | 7,599 |
| Cost of funding earning assets | 1.8420% | 6,892 |
| Net interest margin | 3.4569% | 5,448 |
| Noninterest income to average assets | 0.4393% | 5,121 |
| Noninterest expense to average assets | 7.4737% | 259 |
| Loan and lease loss provision to assets | 0.9219% | 1,616 |
| Net operating income to assets | -3.0692% | 7,840 |
| Return on assets (ROA) | -3.0692% | 7,809 |
| Pretax return on assets | -4.8755% | 8,009 |
| Return on Equity (ROE) | -11.9173% | 7,422 |
| Retained earnings to average equity (ytd only) | -11.9173% | 7,239 |
| Net charge-offs to loans | 0.1314% | 4,912 |
| Credit loss provision to net charge-offs | 1,519.0476% | 288 |
| Earnings coverage of net charge-offs (x) | -65.1429% | 6,999 |
| Efficiency ratio | 212.3153% | 185 |
| Assets per employee ($millions) | 2.0345% | 7,889 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3468% | 3,496 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 57.9198% | 6,206 |
| Net loans and leases to deposits | 88.7808% | 3,673 |
| Net loans and leases to core deposits | 150.2967% | 843 |
| Total domestic deposits to total assets | 65.2391% | 7,704 |
| Equity capital to assets | 21.6310% | 372 |
| Core capital (leverage) ratio | 22.4395% | 323 |
| Tier 1 risk-based capital ratio | 31.2612% | 579 |
| Total risk-based capital ratio | 32.4240% | 573 |
| Memoranda: |
| Average total assets | $34,601,400 | 7,440 |
| Average earning assets | $30,836,800 | 7,468 |
| Average equity | $8,911,400 | 5,770 |
| Average total loans | $15,985,800 | 7,591 |
