| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5788% | 228 |
| Cost of funding earning assets | 0.5361% | 1,825 |
| Net interest margin | 5.0427% | 232 |
| Noninterest income to average assets | 0.7698% | 1,884 |
| Noninterest expense to average assets | 4.2991% | 447 |
| Loan and lease loss provision to assets | 0.2213% | 934 |
| Net operating income to assets | 0.6099% | 4,250 |
| Return on assets (ROA) | 0.6099% | 4,364 |
| Pretax return on assets | 0.6099% | 4,849 |
| Return on Equity (ROE) | 6.3106% | 3,921 |
| Retained earnings to average equity (ytd only) | 6.3106% | 2,004 |
| Net charge-offs to loans | -0.0101% | 4,771 |
| Credit loss provision to net charge-offs | -3,000.0000% | 5,363 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.7967% | 1,009 |
| Assets per employee ($millions) | 3.1541% | 5,237 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0321% | 687 |
| Loan loss allowance to noncurrent loans | 98.8547% | 3,639 |
| Noncurrent assets plus other real estate owned to assets | 1.7547% | 954 |
| Noncurrent loans to loans | 2.0557% | 945 |
| Net loans and leases to total assets | 71.6211% | 2,241 |
| Net loans and leases to deposits | 85.8682% | 2,275 |
| Net loans and leases to core deposits | 96.4195% | 1,953 |
| Total domestic deposits to total assets | 83.4082% | 3,445 |
| Equity capital to assets | 9.7561% | 4,415 |
| Core capital (leverage) ratio | 8.4316% | 5,414 |
| Tier 1 risk-based capital ratio | 10.5896% | 5,575 |
| Total risk-based capital ratio | 11.8566% | 5,487 |
| Memoranda: |
| Average total assets | $108,423,000 | 4,226 |
| Average earning assets | $93,756,750 | 4,346 |
| Average equity | $10,479,500 | 4,542 |
| Average total loans | $79,199,500 | 3,844 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6722% | 196 |
| Cost of funding earning assets | 0.5318% | 1,858 |
| Net interest margin | 5.1404% | 192 |
| Noninterest income to average assets | 0.7925% | 1,745 |
| Noninterest expense to average assets | 4.3297% | 435 |
| Loan and lease loss provision to assets | 0.2227% | 932 |
| Net operating income to assets | 0.6885% | 3,853 |
| Return on assets (ROA) | 0.6885% | 4,003 |
| Pretax return on assets | 0.6885% | 4,658 |
| Return on Equity (ROE) | 7.1465% | 3,463 |
| Retained earnings to average equity (ytd only) | 7.1465% | 1,531 |
| Net charge-offs to loans | -0.0102% | 4,701 |
| Credit loss provision to net charge-offs | -3,000.0000% | 5,255 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.6133% | 1,199 |
| Assets per employee ($millions) | 3.0316% | 5,387 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9188% | 864 |
| Loan loss allowance to noncurrent loans | 93.9322% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 1.8160% | 946 |
| Noncurrent loans to loans | 2.0427% | 963 |
| Net loans and leases to total assets | 73.9552% | 1,850 |
| Net loans and leases to deposits | 88.3288% | 1,947 |
| Net loans and leases to core deposits | 94.5671% | 2,104 |
| Total domestic deposits to total assets | 83.7272% | 3,374 |
| Equity capital to assets | 9.7582% | 4,503 |
| Core capital (leverage) ratio | 8.2822% | 5,547 |
| Tier 1 risk-based capital ratio | 10.3185% | 5,754 |
| Total risk-based capital ratio | 11.5841% | 5,661 |
| Memoranda: |
| Average total assets | $107,766,670 | 4,271 |
| Average earning assets | $93,262,000 | 4,400 |
| Average equity | $10,382,670 | 4,586 |
| Average total loans | $78,698,000 | 3,877 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2770% | 369 |
| Cost of funding earning assets | 0.5390% | 1,798 |
| Net interest margin | 4.7380% | 402 |
| Noninterest income to average assets | 0.8891% | 1,342 |
| Noninterest expense to average assets | 4.3780% | 432 |
| Loan and lease loss provision to assets | 0.2241% | 840 |
| Net operating income to assets | 0.3586% | 5,114 |
| Return on assets (ROA) | 0.3586% | 5,198 |
| Pretax return on assets | 0.3586% | 5,383 |
| Return on Equity (ROE) | 3.7467% | 4,980 |
| Retained earnings to average equity (ytd only) | 3.7467% | 3,618 |
| Net charge-offs to loans | -0.0052% | 4,305 |
| Credit loss provision to net charge-offs | -6,000.0000% | 5,029 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.2530% | 792 |
| Assets per employee ($millions) | 3.1089% | 5,386 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9147% | 947 |
| Loan loss allowance to noncurrent loans | 246.3415% | 1,887 |
| Noncurrent assets plus other real estate owned to assets | 0.9052% | 2,428 |
| Noncurrent loans to loans | 0.7772% | 2,893 |
| Net loans and leases to total assets | 71.3251% | 2,141 |
| Net loans and leases to deposits | 81.7027% | 2,584 |
| Net loans and leases to core deposits | 91.6142% | 2,224 |
| Total domestic deposits to total assets | 87.2984% | 2,052 |
| Equity capital to assets | 9.4961% | 4,672 |
| Core capital (leverage) ratio | 8.2627% | 5,602 |
| Tier 1 risk-based capital ratio | 10.3073% | 5,824 |
| Total risk-based capital ratio | 11.5734% | 5,744 |
| Memoranda: |
| Average total assets | $107,080,500 | 4,326 |
| Average earning assets | $92,022,500 | 4,459 |
| Average equity | $10,249,000 | 4,624 |
| Average total loans | $76,900,500 | 3,944 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7550% | 183 |
| Cost of funding earning assets | 0.5693% | 1,600 |
| Net interest margin | 5.1857% | 189 |
| Noninterest income to average assets | 0.7209% | 2,101 |
| Noninterest expense to average assets | 4.9170% | 295 |
| Loan and lease loss provision to assets | 0.2039% | 1,046 |
| Net operating income to assets | 0.1142% | 5,737 |
| Return on assets (ROA) | 0.1152% | 5,777 |
| Pretax return on assets | 0.1152% | 5,783 |
| Return on Equity (ROE) | 1.1445% | 5,749 |
| Retained earnings to average equity (ytd only) | 1.1445% | 5,059 |
| Net charge-offs to loans | -0.0681% | 5,657 |
| Credit loss provision to net charge-offs | -454.5455% | 5,424 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.9229% | 489 |
| Assets per employee ($millions) | 2.8472% | 5,663 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9471% | 886 |
| Loan loss allowance to noncurrent loans | 247.7002% | 1,938 |
| Noncurrent assets plus other real estate owned to assets | 0.9084% | 2,389 |
| Noncurrent loans to loans | 0.7861% | 2,818 |
| Net loans and leases to total assets | 69.5039% | 2,449 |
| Net loans and leases to deposits | 81.9513% | 2,591 |
| Net loans and leases to core deposits | 90.8562% | 2,328 |
| Total domestic deposits to total assets | 84.8113% | 3,170 |
| Equity capital to assets | 9.6490% | 4,373 |
| Core capital (leverage) ratio | 8.5069% | 5,423 |
| Tier 1 risk-based capital ratio | 10.7149% | 5,664 |
| Total risk-based capital ratio | 11.9872% | 5,571 |
| Memoranda: |
| Average total assets | $98,067,600 | 4,497 |
| Average earning assets | $85,369,600 | 4,604 |
| Average equity | $9,873,400 | 4,673 |
| Average total loans | $64,565,200 | 4,242 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6209% | 218 |
| Cost of funding earning assets | 0.6068% | 1,368 |
| Net interest margin | 5.0142% | 245 |
| Noninterest income to average assets | 0.6746% | 2,355 |
| Noninterest expense to average assets | 4.9745% | 287 |
| Loan and lease loss provision to assets | 0.1939% | 1,046 |
| Net operating income to assets | -0.1094% | 6,008 |
| Return on assets (ROA) | -0.1081% | 6,025 |
| Pretax return on assets | -0.1081% | 6,014 |
| Return on Equity (ROE) | -1.0612% | 6,030 |
| Retained earnings to average equity (ytd only) | -1.0612% | 5,765 |
| Net charge-offs to loans | -0.0451% | 5,511 |
| Credit loss provision to net charge-offs | -666.6667% | 5,418 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.3297% | 344 |
| Assets per employee ($millions) | 2.6696% | 5,856 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9832% | 937 |
| Loan loss allowance to noncurrent loans | 211.5741% | 2,150 |
| Noncurrent assets plus other real estate owned to assets | 1.0306% | 2,293 |
| Noncurrent loans to loans | 0.9374% | 2,630 |
| Net loans and leases to total assets | 68.5993% | 2,591 |
| Net loans and leases to deposits | 79.3552% | 2,952 |
| Net loans and leases to core deposits | 82.7844% | 3,169 |
| Total domestic deposits to total assets | 86.4460% | 2,309 |
| Equity capital to assets | 10.1372% | 4,011 |
| Core capital (leverage) ratio | 8.7630% | 5,284 |
| Tier 1 risk-based capital ratio | 11.3310% | 5,476 |
| Total risk-based capital ratio | 12.6046% | 5,366 |
| Memoranda: |
| Average total assets | $96,247,500 | 4,585 |
| Average earning assets | $84,159,500 | 4,688 |
| Average equity | $9,800,500 | 4,751 |
| Average total loans | $62,037,750 | 4,359 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0656% | 542 |
| Cost of funding earning assets | 0.6705% | 994 |
| Net interest margin | 4.3952% | 766 |
| Noninterest income to average assets | 0.7337% | 2,065 |
| Noninterest expense to average assets | 5.1758% | 258 |
| Loan and lease loss provision to assets | 0.2096% | 927 |
| Net operating income to assets | -0.8176% | 6,245 |
| Return on assets (ROA) | -0.8155% | 6,248 |
| Pretax return on assets | -0.8155% | 6,235 |
| Return on Equity (ROE) | -7.9962% | 6,235 |
| Retained earnings to average equity (ytd only) | -7.9962% | 6,125 |
| Net charge-offs to loans | 0.0034% | 3,786 |
| Credit loss provision to net charge-offs | 10,000.0000% | 46 |
| Earnings coverage of net charge-offs (x) | -290.0000% | 3,889 |
| Efficiency ratio | 113.3089% | 145 |
| Assets per employee ($millions) | 2.5506% | 6,000 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1324% | 813 |
| Loan loss allowance to noncurrent loans | 362.6039% | 1,373 |
| Noncurrent assets plus other real estate owned to assets | 0.8276% | 2,903 |
| Noncurrent loans to loans | 0.5881% | 3,695 |
| Net loans and leases to total assets | 63.6595% | 3,315 |
| Net loans and leases to deposits | 71.4092% | 3,768 |
| Net loans and leases to core deposits | 74.6079% | 3,893 |
| Total domestic deposits to total assets | 89.1474% | 1,073 |
| Equity capital to assets | 10.1278% | 3,900 |
| Core capital (leverage) ratio | 8.4674% | 5,563 |
| Tier 1 risk-based capital ratio | 12.0406% | 5,116 |
| Total risk-based capital ratio | 13.3176% | 4,996 |
| Memoranda: |
| Average total assets | $95,405,000 | 4,649 |
| Average earning assets | $83,227,670 | 4,754 |
| Average equity | $9,729,670 | 4,801 |
| Average total loans | $59,673,670 | 4,474 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6315% | 1,161 |
| Cost of funding earning assets | 0.7140% | 799 |
| Net interest margin | 3.9175% | 1,828 |
| Noninterest income to average assets | 0.6839% | 2,237 |
| Noninterest expense to average assets | 5.2127% | 260 |
| Loan and lease loss provision to assets | 0.2502% | 663 |
| Net operating income to assets | -1.3469% | 6,343 |
| Return on assets (ROA) | -1.3469% | 6,345 |
| Pretax return on assets | -1.3469% | 6,337 |
| Return on Equity (ROE) | -13.1629% | 6,338 |
| Retained earnings to average equity (ytd only) | -13.1629% | 6,202 |
| Net charge-offs to loans | 0.0136% | 2,907 |
| Credit loss provision to net charge-offs | 3,000.0000% | 124 |
| Earnings coverage of net charge-offs (x) | -131.5000% | 3,281 |
| Efficiency ratio | 126.6464% | 96 |
| Assets per employee ($millions) | 2.6333% | 6,018 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1191% | 901 |
| Loan loss allowance to noncurrent loans | 268.6441% | 1,748 |
| Noncurrent assets plus other real estate owned to assets | 1.5518% | 1,665 |
| Noncurrent loans to loans | 0.7888% | 3,280 |
| Net loans and leases to total assets | 60.1131% | 3,636 |
| Net loans and leases to deposits | 67.0905% | 4,046 |
| Net loans and leases to core deposits | 69.7702% | 4,181 |
| Total domestic deposits to total assets | 89.6000% | 942 |
| Equity capital to assets | 9.9515% | 4,204 |
| Core capital (leverage) ratio | 8.6069% | 5,413 |
| Tier 1 risk-based capital ratio | 12.4287% | 4,958 |
| Total risk-based capital ratio | 13.6872% | 4,865 |
| Memoranda: |
| Average total assets | $95,920,500 | 4,668 |
| Average earning assets | $84,033,000 | 4,775 |
| Average equity | $9,815,500 | 4,825 |
| Average total loans | $58,817,000 | 4,524 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9833% | 803 |
| Cost of funding earning assets | 0.7799% | 719 |
| Net interest margin | 4.2033% | 1,292 |
| Noninterest income to average assets | 0.9873% | 1,242 |
| Noninterest expense to average assets | 5.5895% | 219 |
| Loan and lease loss provision to assets | 0.0260% | 4,089 |
| Net operating income to assets | -0.9800% | 6,378 |
| Return on assets (ROA) | -0.8280% | 6,346 |
| Pretax return on assets | -0.8280% | 6,341 |
| Return on Equity (ROE) | -7.6179% | 6,334 |
| Retained earnings to average equity (ytd only) | -7.6179% | 6,260 |
| Net charge-offs to loans | 0.1250% | 2,781 |
| Credit loss provision to net charge-offs | 37.3134% | 3,726 |
| Earnings coverage of net charge-offs (x) | -13.6716% | 4,927 |
| Efficiency ratio | 120.5796% | 126 |
| Assets per employee ($millions) | 2.3602% | 6,245 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0936% | 957 |
| Loan loss allowance to noncurrent loans | 300.9950% | 1,623 |
| Noncurrent assets plus other real estate owned to assets | 1.5359% | 1,772 |
| Noncurrent loans to loans | 0.6955% | 3,603 |
| Net loans and leases to total assets | 59.9377% | 3,797 |
| Net loans and leases to deposits | 67.5267% | 4,171 |
| Net loans and leases to core deposits | 69.6443% | 4,354 |
| Total domestic deposits to total assets | 88.7615% | 1,380 |
| Equity capital to assets | 10.5235% | 3,447 |
| Core capital (leverage) ratio | 9.1788% | 4,712 |
| Tier 1 risk-based capital ratio | 13.8758% | 4,187 |
| Total risk-based capital ratio | 15.1334% | 4,120 |
| Memoranda: |
| Average total assets | $96,020,000 | 4,692 |
| Average earning assets | $83,338,800 | 4,810 |
| Average equity | $10,436,000 | 4,669 |
| Average total loans | $53,592,000 | 4,706 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7361% | 1,221 |
| Cost of funding earning assets | 0.7795% | 763 |
| Net interest margin | 3.9566% | 2,010 |
| Noninterest income to average assets | 1.0647% | 1,083 |
| Noninterest expense to average assets | 5.3955% | 239 |
| Loan and lease loss provision to assets | 0.0346% | 3,711 |
| Net operating income to assets | -0.9403% | 6,454 |
| Return on assets (ROA) | -0.7384% | 6,426 |
| Pretax return on assets | -0.7384% | 6,408 |
| Return on Equity (ROE) | -6.7414% | 6,402 |
| Retained earnings to average equity (ytd only) | -6.7414% | 6,316 |
| Net charge-offs to loans | 0.0533% | 3,454 |
| Credit loss provision to net charge-offs | 119.0476% | 1,925 |
| Earnings coverage of net charge-offs (x) | -31.1896% | 4,665 |
| Efficiency ratio | 120.1725% | 132 |
| Assets per employee ($millions) | 2.4224% | 6,278 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2357% | 895 |
| Loan loss allowance to noncurrent loans | 372.7003% | 1,272 |
| Noncurrent assets plus other real estate owned to assets | 1.4660% | 2,101 |
| Noncurrent loans to loans | 0.5999% | 4,133 |
| Net loans and leases to total assets | 58.1362% | 4,052 |
| Net loans and leases to deposits | 65.6063% | 4,376 |
| Net loans and leases to core deposits | 67.6633% | 4,543 |
| Total domestic deposits to total assets | 88.6137% | 1,441 |
| Equity capital to assets | 10.7121% | 3,280 |
| Core capital (leverage) ratio | 9.7166% | 4,053 |
| Tier 1 risk-based capital ratio | 15.1002% | 3,533 |
| Total risk-based capital ratio | 16.3592% | 3,468 |
| Memoranda: |
| Average total assets | $96,423,000 | 4,735 |
| Average earning assets | $83,470,250 | 4,856 |
| Average equity | $10,561,250 | 4,677 |
| Average total loans | $52,541,000 | 4,778 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8319% | 1,019 |
| Cost of funding earning assets | 0.7870% | 763 |
| Net interest margin | 4.0450% | 1,678 |
| Noninterest income to average assets | 1.1270% | 926 |
| Noninterest expense to average assets | 4.9282% | 326 |
| Loan and lease loss provision to assets | 0.0515% | 3,271 |
| Net operating income to assets | -0.3688% | 6,400 |
| Return on assets (ROA) | -0.0639% | 6,247 |
| Pretax return on assets | -0.0639% | 6,233 |
| Return on Equity (ROE) | -0.5790% | 6,249 |
| Retained earnings to average equity (ytd only) | -0.5790% | 5,792 |
| Net charge-offs to loans | -0.0273% | 5,653 |
| Credit loss provision to net charge-offs | -357.1429% | 5,502 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.8811% | 281 |
| Assets per employee ($millions) | 2.3371% | 6,385 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3445% | 856 |
| Loan loss allowance to noncurrent loans | 234.3066% | 1,874 |
| Noncurrent assets plus other real estate owned to assets | 1.5556% | 2,095 |
| Noncurrent loans to loans | 1.0006% | 3,232 |
| Net loans and leases to total assets | 54.4851% | 4,484 |
| Net loans and leases to deposits | 62.1291% | 4,678 |
| Net loans and leases to core deposits | 64.0204% | 4,819 |
| Total domestic deposits to total assets | 87.6965% | 2,086 |
| Equity capital to assets | 10.9883% | 2,888 |
| Core capital (leverage) ratio | 10.1964% | 3,343 |
| Tier 1 risk-based capital ratio | 15.8176% | 3,187 |
| Total risk-based capital ratio | 17.0779% | 3,116 |
| Memoranda: |
| Average total assets | $97,073,000 | 4,750 |
| Average earning assets | $83,610,330 | 4,881 |
| Average equity | $10,708,330 | 4,669 |
| Average total loans | $51,328,330 | 4,846 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3518% | 2,323 |
| Cost of funding earning assets | 0.7778% | 843 |
| Net interest margin | 3.5740% | 3,369 |
| Noninterest income to average assets | 1.1976% | 771 |
| Noninterest expense to average assets | 4.4587% | 476 |
| Loan and lease loss provision to assets | 0.1036% | 2,195 |
| Net operating income to assets | -0.2611% | 6,383 |
| Return on assets (ROA) | -0.2611% | 6,385 |
| Pretax return on assets | -0.2611% | 6,372 |
| Return on Equity (ROE) | -2.3619% | 6,370 |
| Retained earnings to average equity (ytd only) | -2.3619% | 5,894 |
| Net charge-offs to loans | -0.0081% | 4,960 |
| Credit loss provision to net charge-offs | -2,500.0000% | 5,508 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.6609% | 383 |
| Assets per employee ($millions) | 2.6326% | 6,264 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.5760% | 738 |
| Loan loss allowance to noncurrent loans | 493.4363% | 958 |
| Noncurrent assets plus other real estate owned to assets | 1.2710% | 2,740 |
| Noncurrent loans to loans | 0.5221% | 4,607 |
| Net loans and leases to total assets | 49.6201% | 4,945 |
| Net loans and leases to deposits | 56.0747% | 5,111 |
| Net loans and leases to core deposits | 57.7773% | 5,219 |
| Total domestic deposits to total assets | 88.4894% | 1,943 |
| Equity capital to assets | 10.9613% | 2,753 |
| Core capital (leverage) ratio | 10.3125% | 3,161 |
| Tier 1 risk-based capital ratio | 17.3916% | 2,517 |
| Total risk-based capital ratio | 18.6541% | 2,482 |
| Memoranda: |
| Average total assets | $96,530,000 | 4,811 |
| Average earning assets | $83,827,000 | 4,920 |
| Average equity | $10,669,500 | 4,690 |
| Average total loans | $49,609,500 | 4,945 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4663% | 2,340 |
| Cost of funding earning assets | 0.7998% | 1,208 |
| Net interest margin | 3.6666% | 3,187 |
| Noninterest income to average assets | 1.1559% | 1,057 |
| Noninterest expense to average assets | 3.8850% | 1,010 |
| Loan and lease loss provision to assets | 0.2359% | 1,532 |
| Net operating income to assets | 0.2605% | 5,654 |
| Return on assets (ROA) | 0.2605% | 5,733 |
| Pretax return on assets | 0.2605% | 5,827 |
| Return on Equity (ROE) | 2.4067% | 5,704 |
| Retained earnings to average equity (ytd only) | 2.4067% | 4,534 |
| Net charge-offs to loans | 0.1703% | 3,124 |
| Credit loss provision to net charge-offs | 255.5556% | 884 |
| Earnings coverage of net charge-offs (x) | 5.3778% | 3,317 |
| Efficiency ratio | 88.6704% | 1,151 |
| Assets per employee ($millions) | 2.9892% | 5,850 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.5238% | 807 |
| Loan loss allowance to noncurrent loans | 715.4286% | 695 |
| Noncurrent assets plus other real estate owned to assets | 1.2085% | 2,980 |
| Noncurrent loans to loans | 0.3528% | 5,130 |
| Net loans and leases to total assets | 50.5530% | 5,020 |
| Net loans and leases to deposits | 57.3802% | 5,178 |
| Net loans and leases to core deposits | 59.1619% | 5,285 |
| Total domestic deposits to total assets | 88.1019% | 2,119 |
| Equity capital to assets | 11.1464% | 2,480 |
| Core capital (leverage) ratio | 9.9770% | 3,606 |
| Tier 1 risk-based capital ratio | 16.8468% | 2,683 |
| Total risk-based capital ratio | 18.1094% | 2,638 |
| Memoranda: |
| Average total assets | $97,502,000 | 4,803 |
| Average earning assets | $85,775,000 | 4,886 |
| Average equity | $10,554,000 | 4,733 |
| Average total loans | $52,857,400 | 4,850 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4769% | 2,324 |
| Cost of funding earning assets | 0.8120% | 1,265 |
| Net interest margin | 3.6649% | 3,174 |
| Noninterest income to average assets | 1.1514% | 1,105 |
| Noninterest expense to average assets | 3.7482% | 1,166 |
| Loan and lease loss provision to assets | 0.3130% | 1,079 |
| Net operating income to assets | 0.3212% | 5,537 |
| Return on assets (ROA) | 0.3212% | 5,654 |
| Pretax return on assets | 0.3212% | 5,819 |
| Return on Equity (ROE) | 2.9891% | 5,608 |
| Retained earnings to average equity (ytd only) | 2.9891% | 4,537 |
| Net charge-offs to loans | -0.0770% | 6,436 |
| Credit loss provision to net charge-offs | -741.9355% | 6,131 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.5280% | 1,411 |
| Assets per employee ($millions) | 2.9225% | 5,976 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.6293% | 811 |
| Loan loss allowance to noncurrent loans | 457.6667% | 959 |
| Noncurrent assets plus other real estate owned to assets | 0.9892% | 3,682 |
| Noncurrent loans to loans | 0.5745% | 4,766 |
| Net loans and leases to total assets | 52.7223% | 4,788 |
| Net loans and leases to deposits | 59.9243% | 4,981 |
| Net loans and leases to core deposits | 61.5827% | 5,164 |
| Total domestic deposits to total assets | 87.9815% | 2,142 |
| Equity capital to assets | 11.1009% | 2,662 |
| Core capital (leverage) ratio | 9.8422% | 3,901 |
| Tier 1 risk-based capital ratio | 16.3922% | 2,989 |
| Total risk-based capital ratio | 17.6573% | 2,945 |
| Memoranda: |
| Average total assets | $97,964,000 | 4,834 |
| Average earning assets | $86,367,500 | 4,920 |
| Average equity | $10,527,000 | 4,788 |
| Average total loans | $53,669,750 | 4,864 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4783% | 2,279 |
| Cost of funding earning assets | 0.8230% | 1,293 |
| Net interest margin | 3.6553% | 3,156 |
| Noninterest income to average assets | 1.0643% | 1,354 |
| Noninterest expense to average assets | 3.7148% | 1,228 |
| Loan and lease loss provision to assets | 0.3047% | 1,178 |
| Net operating income to assets | 0.2742% | 5,695 |
| Return on assets (ROA) | 0.2742% | 5,831 |
| Pretax return on assets | 0.2742% | 5,945 |
| Return on Equity (ROE) | 2.5795% | 5,769 |
| Retained earnings to average equity (ytd only) | 2.5795% | 4,663 |
| Net charge-offs to loans | -0.0849% | 6,457 |
| Credit loss provision to net charge-offs | -652.1739% | 5,964 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.5184% | 1,365 |
| Assets per employee ($millions) | 3.1176% | 5,644 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4073% | 1,084 |
| Loan loss allowance to noncurrent loans | 5,840.9091% | 124 |
| Noncurrent assets plus other real estate owned to assets | 0.7833% | 4,266 |
| Noncurrent loans to loans | 0.0412% | 6,274 |
| Net loans and leases to total assets | 53.9023% | 4,600 |
| Net loans and leases to deposits | 61.1415% | 4,841 |
| Net loans and leases to core deposits | 62.8249% | 5,027 |
| Total domestic deposits to total assets | 88.1600% | 2,133 |
| Equity capital to assets | 10.9067% | 2,840 |
| Core capital (leverage) ratio | 9.5040% | 4,242 |
| Tier 1 risk-based capital ratio | 16.0653% | 3,155 |
| Total risk-based capital ratio | 17.3275% | 3,092 |
| Memoranda: |
| Average total assets | $98,471,000 | 4,853 |
| Average earning assets | $86,997,330 | 4,928 |
| Average equity | $10,467,330 | 4,838 |
| Average total loans | $54,153,000 | 4,878 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4853% | 2,218 |
| Cost of funding earning assets | 0.8398% | 1,309 |
| Net interest margin | 3.6454% | 3,087 |
| Noninterest income to average assets | 0.9539% | 1,598 |
| Noninterest expense to average assets | 3.4171% | 1,790 |
| Loan and lease loss provision to assets | 0.3019% | 1,144 |
| Net operating income to assets | 0.4669% | 4,840 |
| Return on assets (ROA) | 0.4669% | 5,003 |
| Pretax return on assets | 0.4669% | 5,368 |
| Return on Equity (ROE) | 4.4485% | 4,870 |
| Retained earnings to average equity (ytd only) | 4.4485% | 3,566 |
| Net charge-offs to loans | -0.0660% | 6,253 |
| Credit loss provision to net charge-offs | -833.3333% | 5,589 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.6346% | 2,093 |
| Assets per employee ($millions) | 3.1232% | 5,780 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1947% | 1,594 |
| Loan loss allowance to noncurrent loans | 191.9743% | 1,962 |
| Noncurrent assets plus other real estate owned to assets | 1.3898% | 3,188 |
| Noncurrent loans to loans | 1.1432% | 3,872 |
| Net loans and leases to total assets | 53.3294% | 4,512 |
| Net loans and leases to deposits | 60.1006% | 4,783 |
| Net loans and leases to core deposits | 61.6865% | 4,984 |
| Total domestic deposits to total assets | 88.7336% | 1,848 |
| Equity capital to assets | 10.4900% | 3,551 |
| Core capital (leverage) ratio | 9.1297% | 4,671 |
| Tier 1 risk-based capital ratio | 15.3921% | 3,596 |
| Total risk-based capital ratio | 16.6516% | 3,551 |
| Memoranda: |
| Average total assets | $99,383,000 | 4,880 |
| Average earning assets | $88,111,000 | 4,930 |
| Average equity | $10,430,500 | 4,899 |
| Average total loans | $54,539,500 | 4,901 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3970% | 3,822 |
| Cost of funding earning assets | 1.0914% | 939 |
| Net interest margin | 3.3056% | 5,228 |
| Noninterest income to average assets | 0.8462% | 2,054 |
| Noninterest expense to average assets | 3.4636% | 1,916 |
| Loan and lease loss provision to assets | 0.0424% | 5,324 |
| Net operating income to assets | 0.2347% | 5,686 |
| Return on assets (ROA) | 0.3156% | 5,620 |
| Pretax return on assets | 0.3156% | 5,787 |
| Return on Equity (ROE) | 3.1276% | 5,502 |
| Retained earnings to average equity (ytd only) | 3.1276% | 4,038 |
| Net charge-offs to loans | 0.4008% | 2,654 |
| Credit loss provision to net charge-offs | 19.3694% | 5,297 |
| Earnings coverage of net charge-offs (x) | 1.2658% | 4,828 |
| Efficiency ratio | 92.5916% | 881 |
| Assets per employee ($millions) | 3.2941% | 5,429 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0372% | 1,924 |
| Loan loss allowance to noncurrent loans | 529.5238% | 786 |
| Noncurrent assets plus other real estate owned to assets | 1.0291% | 3,978 |
| Noncurrent loans to loans | 0.3847% | 5,532 |
| Net loans and leases to total assets | 54.1089% | 4,603 |
| Net loans and leases to deposits | 61.1360% | 4,893 |
| Net loans and leases to core deposits | 62.7701% | 5,082 |
| Total domestic deposits to total assets | 88.5057% | 1,899 |
| Equity capital to assets | 10.5006% | 3,532 |
| Core capital (leverage) ratio | 8.8280% | 5,133 |
| Tier 1 risk-based capital ratio | 15.4562% | 3,454 |
| Total risk-based capital ratio | 16.7148% | 3,411 |
| Memoranda: |
| Average total assets | $101,397,200 | 4,795 |
| Average earning assets | $88,787,800 | 4,904 |
| Average equity | $10,231,400 | 4,929 |
| Average total loans | $55,382,800 | 4,890 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3475% | 4,266 |
| Cost of funding earning assets | 1.1376% | 914 |
| Net interest margin | 3.2099% | 5,677 |
| Noninterest income to average assets | 0.9369% | 1,717 |
| Noninterest expense to average assets | 3.3463% | 2,147 |
| Loan and lease loss provision to assets | 0.1307% | 3,917 |
| Net operating income to assets | 0.2509% | 5,780 |
| Return on assets (ROA) | 0.3580% | 5,613 |
| Pretax return on assets | 0.3580% | 5,817 |
| Return on Equity (ROE) | 3.5833% | 5,461 |
| Retained earnings to average equity (ytd only) | 3.5833% | 4,355 |
| Net charge-offs to loans | 0.5205% | 2,051 |
| Credit loss provision to net charge-offs | 46.0829% | 4,491 |
| Earnings coverage of net charge-offs (x) | 1.3456% | 4,625 |
| Efficiency ratio | 89.7652% | 1,062 |
| Assets per employee ($millions) | 3.5100% | 4,964 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2151% | 1,682 |
| Loan loss allowance to noncurrent loans | 241.0678% | 1,491 |
| Noncurrent assets plus other real estate owned to assets | 1.4540% | 3,422 |
| Noncurrent loans to loans | 0.9189% | 4,596 |
| Net loans and leases to total assets | 50.9161% | 5,201 |
| Net loans and leases to deposits | 57.4063% | 5,496 |
| Net loans and leases to core deposits | 59.4872% | 5,605 |
| Total domestic deposits to total assets | 88.6943% | 1,599 |
| Equity capital to assets | 10.1927% | 4,217 |
| Core capital (leverage) ratio | 8.2574% | 6,077 |
| Tier 1 risk-based capital ratio | 14.1655% | 4,403 |
| Total risk-based capital ratio | 15.4248% | 4,362 |
| Memoranda: |
| Average total assets | $102,040,750 | 4,823 |
| Average earning assets | $88,723,250 | 4,950 |
| Average equity | $10,195,000 | 4,983 |
| Average total loans | $55,582,500 | 4,933 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5684% | 3,490 |
| Cost of funding earning assets | 1.1820% | 889 |
| Net interest margin | 3.3865% | 5,132 |
| Noninterest income to average assets | 0.9224% | 1,699 |
| Noninterest expense to average assets | 3.4409% | 1,934 |
| Loan and lease loss provision to assets | 0.0490% | 5,064 |
| Net operating income to assets | 0.3447% | 5,452 |
| Return on assets (ROA) | 0.5053% | 5,053 |
| Pretax return on assets | 0.5053% | 5,426 |
| Return on Equity (ROE) | 5.0913% | 4,765 |
| Retained earnings to average equity (ytd only) | 5.0913% | 3,230 |
| Net charge-offs to loans | 0.7547% | 1,457 |
| Credit loss provision to net charge-offs | 11.7371% | 4,723 |
| Earnings coverage of net charge-offs (x) | 0.9437% | 4,568 |
| Efficiency ratio | 89.7344% | 1,093 |
| Assets per employee ($millions) | 3.6930% | 4,536 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0453% | 2,118 |
| Loan loss allowance to noncurrent loans | 379.0378% | 950 |
| Noncurrent assets plus other real estate owned to assets | 1.2340% | 3,944 |
| Noncurrent loans to loans | 0.5396% | 5,438 |
| Net loans and leases to total assets | 51.0870% | 5,212 |
| Net loans and leases to deposits | 57.4745% | 5,509 |
| Net loans and leases to core deposits | 59.0439% | 5,688 |
| Total domestic deposits to total assets | 88.8863% | 1,579 |
| Equity capital to assets | 9.9571% | 4,407 |
| Core capital (leverage) ratio | 8.2334% | 6,010 |
| Tier 1 risk-based capital ratio | 13.7972% | 4,597 |
| Total risk-based capital ratio | 15.0542% | 4,567 |
| Memoranda: |
| Average total assets | $102,124,670 | 4,852 |
| Average earning assets | $87,820,330 | 4,994 |
| Average equity | $10,135,000 | 4,999 |
| Average total loans | $56,443,000 | 4,934 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8990% | 2,245 |
| Cost of funding earning assets | 1.2224% | 882 |
| Net interest margin | 3.6766% | 3,935 |
| Noninterest income to average assets | 0.8159% | 2,083 |
| Noninterest expense to average assets | 3.6380% | 1,485 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.2956% | 5,678 |
| Return on assets (ROA) | 0.6188% | 4,475 |
| Pretax return on assets | 0.6188% | 5,052 |
| Return on Equity (ROE) | 6.2460% | 4,167 |
| Retained earnings to average equity (ytd only) | 6.2460% | 2,821 |
| Net charge-offs to loans | -0.0763% | 6,700 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.4850% | 909 |
| Assets per employee ($millions) | 3.5837% | 4,927 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3337% | 1,621 |
| Loan loss allowance to noncurrent loans | 409.4340% | 829 |
| Noncurrent assets plus other real estate owned to assets | 1.4741% | 3,657 |
| Noncurrent loans to loans | 0.5700% | 5,524 |
| Net loans and leases to total assets | 52.4306% | 4,958 |
| Net loans and leases to deposits | 58.8136% | 5,291 |
| Net loans and leases to core deposits | 60.6208% | 5,473 |
| Total domestic deposits to total assets | 89.1471% | 1,603 |
| Equity capital to assets | 9.7464% | 4,464 |
| Core capital (leverage) ratio | 8.3236% | 5,838 |
| Tier 1 risk-based capital ratio | 12.8032% | 5,358 |
| Total risk-based capital ratio | 14.0634% | 5,329 |
| Memoranda: |
| Average total assets | $101,485,000 | 4,901 |
| Average earning assets | $86,058,000 | 5,080 |
| Average equity | $10,054,500 | 5,028 |
| Average total loans | $57,700,000 | 4,911 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9973% | 2,895 |
| Cost of funding earning assets | 1.4613% | 828 |
| Net interest margin | 3.5360% | 4,996 |
| Noninterest income to average assets | -1.7136% | 7,346 |
| Noninterest expense to average assets | 3.9710% | 1,082 |
| Loan and lease loss provision to assets | 2.4016% | 193 |
| Net operating income to assets | -5.1121% | 7,308 |
| Return on assets (ROA) | -5.0835% | 7,311 |
| Pretax return on assets | -5.0835% | 7,313 |
| Return on Equity (ROE) | -50.4460% | 7,204 |
| Retained earnings to average equity (ytd only) | -50.4460% | 7,201 |
| Net charge-offs to loans | 4.4016% | 111 |
| Credit loss provision to net charge-offs | 91.3793% | 3,948 |
| Earnings coverage of net charge-offs (x) | -1.0313% | 6,197 |
| Efficiency ratio | 315.0404% | 23 |
| Assets per employee ($millions) | 3.4153% | 5,210 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1658% | 1,869 |
| Loan loss allowance to noncurrent loans | 442.1233% | 766 |
| Noncurrent assets plus other real estate owned to assets | 1.6397% | 3,501 |
| Noncurrent loans to loans | 0.4899% | 5,732 |
| Net loans and leases to total assets | 58.8809% | 4,214 |
| Net loans and leases to deposits | 66.4161% | 4,679 |
| Net loans and leases to core deposits | 68.5731% | 4,959 |
| Total domestic deposits to total assets | 88.6545% | 1,750 |
| Equity capital to assets | 10.0763% | 4,067 |
| Core capital (leverage) ratio | 8.1913% | 6,017 |
| Tier 1 risk-based capital ratio | 11.9130% | 5,888 |
| Total risk-based capital ratio | 13.1704% | 5,864 |
| Memoranda: |
| Average total assets | $108,134,600 | 4,686 |
| Average earning assets | $90,949,400 | 4,894 |
| Average equity | $10,896,800 | 4,807 |
| Average total loans | $64,568,000 | 4,697 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9425% | 3,373 |
| Cost of funding earning assets | 1.5192% | 799 |
| Net interest margin | 3.4233% | 5,497 |
| Noninterest income to average assets | -0.2427% | 7,288 |
| Noninterest expense to average assets | 3.4997% | 1,935 |
| Loan and lease loss provision to assets | 1.4286% | 498 |
| Net operating income to assets | -2.3029% | 7,191 |
| Return on assets (ROA) | -2.2752% | 7,195 |
| Pretax return on assets | -2.2752% | 7,176 |
| Return on Equity (ROE) | -22.5772% | 7,136 |
| Retained earnings to average equity (ytd only) | -22.5772% | 7,125 |
| Net charge-offs to loans | 2.5224% | 429 |
| Credit loss provision to net charge-offs | 95.0201% | 3,602 |
| Earnings coverage of net charge-offs (x) | -0.5815% | 5,856 |
| Efficiency ratio | 133.3027% | 211 |
| Assets per employee ($millions) | 3.6748% | 4,586 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3603% | 1,603 |
| Loan loss allowance to noncurrent loans | 217.4041% | 1,442 |
| Noncurrent assets plus other real estate owned to assets | 4.8565% | 1,194 |
| Noncurrent loans to loans | 1.0857% | 4,742 |
| Net loans and leases to total assets | 59.2616% | 4,279 |
| Net loans and leases to deposits | 66.8069% | 4,785 |
| Net loans and leases to core deposits | 69.2225% | 5,038 |
| Total domestic deposits to total assets | 88.7057% | 1,618 |
| Equity capital to assets | 9.9531% | 4,403 |
| Core capital (leverage) ratio | 8.7803% | 5,295 |
| Tier 1 risk-based capital ratio | 12.2962% | 5,670 |
| Total risk-based capital ratio | 13.5552% | 5,648 |
| Memoranda: |
| Average total assets | $110,407,250 | 4,662 |
| Average earning assets | $92,500,750 | 4,882 |
| Average equity | $11,126,000 | 4,774 |
| Average total loans | $65,807,750 | 4,685 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8552% | 3,841 |
| Cost of funding earning assets | 1.5797% | 761 |
| Net interest margin | 3.2754% | 5,927 |
| Noninterest income to average assets | -0.0496% | 7,256 |
| Noninterest expense to average assets | 3.3601% | 2,370 |
| Loan and lease loss provision to assets | 1.8297% | 359 |
| Net operating income to assets | -2.4887% | 7,264 |
| Return on assets (ROA) | -2.4479% | 7,264 |
| Pretax return on assets | -2.4479% | 7,243 |
| Return on Equity (ROE) | -24.2010% | 7,187 |
| Retained earnings to average equity (ytd only) | -24.2010% | 7,177 |
| Net charge-offs to loans | 4.4646% | 165 |
| Credit loss provision to net charge-offs | 69.1432% | 4,078 |
| Earnings coverage of net charge-offs (x) | -0.2490% | 5,428 |
| Efficiency ratio | 124.3934% | 303 |
| Assets per employee ($millions) | 3.6570% | 4,545 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6864% | 3,374 |
| Loan loss allowance to noncurrent loans | 116.7210% | 2,505 |
| Noncurrent assets plus other real estate owned to assets | 5.7131% | 1,012 |
| Noncurrent loans to loans | 1.4448% | 4,251 |
| Net loans and leases to total assets | 59.0916% | 4,447 |
| Net loans and leases to deposits | 66.7181% | 4,892 |
| Net loans and leases to core deposits | 69.4301% | 5,133 |
| Total domestic deposits to total assets | 88.5690% | 1,805 |
| Equity capital to assets | 10.0694% | 4,059 |
| Core capital (leverage) ratio | 8.8019% | 5,043 |
| Tier 1 risk-based capital ratio | 12.3104% | 5,513 |
| Total risk-based capital ratio | 13.5625% | 5,488 |
| Memoranda: |
| Average total assets | $112,912,000 | 4,634 |
| Average earning assets | $94,826,670 | 4,853 |
| Average equity | $11,421,000 | 4,710 |
| Average total loans | $66,927,000 | 4,685 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6078% | 4,910 |
| Cost of funding earning assets | 1.6142% | 779 |
| Net interest margin | 2.9937% | 6,588 |
| Noninterest income to average assets | 0.7151% | 2,486 |
| Noninterest expense to average assets | 3.0531% | 3,447 |
| Loan and lease loss provision to assets | 0.5157% | 1,685 |
| Net operating income to assets | -0.3094% | 6,670 |
| Return on assets (ROA) | -0.3094% | 6,680 |
| Pretax return on assets | -0.3094% | 6,625 |
| Return on Equity (ROE) | -3.0529% | 6,678 |
| Retained earnings to average equity (ytd only) | -3.0529% | 6,307 |
| Net charge-offs to loans | 1.2376% | 1,125 |
| Credit loss provision to net charge-offs | 70.7547% | 3,340 |
| Earnings coverage of net charge-offs (x) | 0.2830% | 4,399 |
| Efficiency ratio | 93.6709% | 1,056 |
| Assets per employee ($millions) | 3.9087% | 4,053 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2038% | 1,956 |
| Loan loss allowance to noncurrent loans | 88.4754% | 3,223 |
| Noncurrent assets plus other real estate owned to assets | 5.9400% | 983 |
| Noncurrent loans to loans | 2.4909% | 3,000 |
| Net loans and leases to total assets | 57.7057% | 4,689 |
| Net loans and leases to deposits | 65.4591% | 5,053 |
| Net loans and leases to core deposits | 69.0110% | 5,166 |
| Total domestic deposits to total assets | 88.1554% | 2,288 |
| Equity capital to assets | 10.5663% | 3,109 |
| Core capital (leverage) ratio | 9.3808% | 3,996 |
| Tier 1 risk-based capital ratio | 13.1264% | 4,729 |
| Total risk-based capital ratio | 14.3797% | 4,708 |
| Memoranda: |
| Average total assets | $116,341,000 | 4,579 |
| Average earning assets | $98,875,500 | 4,770 |
| Average equity | $11,792,000 | 4,602 |
| Average total loans | $68,518,500 | 4,667 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0197% | 4,454 |
| Cost of funding earning assets | 1.9459% | 730 |
| Net interest margin | 3.0738% | 6,588 |
| Noninterest income to average assets | 0.7078% | 2,799 |
| Noninterest expense to average assets | 2.3998% | 6,087 |
| Loan and lease loss provision to assets | 1.5004% | 987 |
| Net operating income to assets | -0.1081% | 6,006 |
| Return on assets (ROA) | -0.2068% | 6,175 |
| Pretax return on assets | -0.7248% | 6,473 |
| Return on Equity (ROE) | -2.1623% | 6,190 |
| Retained earnings to average equity (ytd only) | -2.1623% | 5,989 |
| Net charge-offs to loans | 2.3242% | 829 |
| Credit loss provision to net charge-offs | 103.3879% | 4,357 |
| Earnings coverage of net charge-offs (x) | 0.6408% | 5,469 |
| Efficiency ratio | 72.0723% | 3,780 |
| Assets per employee ($millions) | 4.1149% | 3,547 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1895% | 1,887 |
| Loan loss allowance to noncurrent loans | 126.8373% | 2,311 |
| Noncurrent assets plus other real estate owned to assets | 5.2903% | 1,179 |
| Noncurrent loans to loans | 1.7262% | 3,911 |
| Net loans and leases to total assets | 57.5014% | 5,112 |
| Net loans and leases to deposits | 65.2669% | 5,487 |
| Net loans and leases to core deposits | 73.0061% | 5,098 |
| Total domestic deposits to total assets | 88.1020% | 2,190 |
| Equity capital to assets | 9.7267% | 4,088 |
| Core capital (leverage) ratio | 9.0168% | 4,516 |
| Tier 1 risk-based capital ratio | 12.7301% | 4,838 |
| Total risk-based capital ratio | 13.9868% | 4,801 |
| Memoranda: |
| Average total assets | $117,967,600 | 4,527 |
| Average earning assets | $100,623,400 | 4,709 |
| Average equity | $11,284,200 | 4,796 |
| Average total loans | $73,658,200 | 4,539 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1203% | 4,217 |
| Cost of funding earning assets | 2.0007% | 752 |
| Net interest margin | 3.1196% | 6,568 |
| Noninterest income to average assets | 1.0530% | 1,298 |
| Noninterest expense to average assets | 2.0290% | 6,996 |
| Loan and lease loss provision to assets | 1.6096% | 801 |
| Net operating income to assets | 0.0691% | 5,841 |
| Return on assets (ROA) | 0.2176% | 5,620 |
| Pretax return on assets | 0.2176% | 5,690 |
| Return on Equity (ROE) | 2.2849% | 5,501 |
| Retained earnings to average equity (ytd only) | 2.2849% | 4,798 |
| Net charge-offs to loans | 2.5580% | 651 |
| Credit loss provision to net charge-offs | 99.3007% | 4,392 |
| Earnings coverage of net charge-offs (x) | 1.0357% | 5,023 |
| Efficiency ratio | 54.7233% | 6,719 |
| Assets per employee ($millions) | 4.0075% | 3,816 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0358% | 2,132 |
| Loan loss allowance to noncurrent loans | 103.3075% | 2,706 |
| Noncurrent assets plus other real estate owned to assets | 6.0944% | 970 |
| Noncurrent loans to loans | 1.9706% | 3,719 |
| Net loans and leases to total assets | 58.7590% | 5,146 |
| Net loans and leases to deposits | 66.9761% | 5,549 |
| Net loans and leases to core deposits | 75.6244% | 5,106 |
| Total domestic deposits to total assets | 87.7313% | 2,143 |
| Equity capital to assets | 10.1435% | 3,956 |
| Core capital (leverage) ratio | 10.1802% | 3,064 |
| Tier 1 risk-based capital ratio | 14.0490% | 3,797 |
| Total risk-based capital ratio | 15.3039% | 3,767 |
| Memoranda: |
| Average total assets | $117,626,750 | 4,592 |
| Average earning assets | $100,096,750 | 4,777 |
| Average equity | $11,203,500 | 4,877 |
| Average total loans | $74,534,500 | 4,581 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2110% | 3,894 |
| Cost of funding earning assets | 2.0437% | 786 |
| Net interest margin | 3.1674% | 6,412 |
| Noninterest income to average assets | 0.2861% | 5,857 |
| Noninterest expense to average assets | 1.4114% | 7,660 |
| Loan and lease loss provision to assets | 1.7472% | 717 |
| Net operating income to assets | -0.1833% | 6,335 |
| Return on assets (ROA) | -0.0959% | 6,296 |
| Pretax return on assets | -0.0959% | 6,239 |
| Return on Equity (ROE) | -1.0301% | 6,319 |
| Retained earnings to average equity (ytd only) | -1.0301% | 5,976 |
| Net charge-offs to loans | 2.8908% | 564 |
| Credit loss provision to net charge-offs | 93.6639% | 4,308 |
| Earnings coverage of net charge-offs (x) | 0.8384% | 4,930 |
| Efficiency ratio | 47.4381% | 7,372 |
| Assets per employee ($millions) | 4.0497% | 3,675 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9801% | 2,231 |
| Loan loss allowance to noncurrent loans | 57.2997% | 4,495 |
| Noncurrent assets plus other real estate owned to assets | 6.3906% | 887 |
| Noncurrent loans to loans | 3.4556% | 2,298 |
| Net loans and leases to total assets | 57.4121% | 5,503 |
| Net loans and leases to deposits | 64.7506% | 5,944 |
| Net loans and leases to core deposits | 74.5129% | 5,388 |
| Total domestic deposits to total assets | 88.6666% | 1,630 |
| Equity capital to assets | 9.0715% | 5,336 |
| Core capital (leverage) ratio | 9.4287% | 3,920 |
| Tier 1 risk-based capital ratio | 12.5428% | 4,816 |
| Total risk-based capital ratio | 13.7971% | 4,793 |
| Memoranda: |
| Average total assets | $116,760,670 | 4,640 |
| Average earning assets | $99,136,000 | 4,835 |
| Average equity | $10,873,000 | 4,950 |
| Average total loans | $75,342,330 | 4,589 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1972% | 4,035 |
| Cost of funding earning assets | 2.1110% | 787 |
| Net interest margin | 3.0862% | 6,631 |
| Noninterest income to average assets | -0.3217% | 7,831 |
| Noninterest expense to average assets | 3.1295% | 3,142 |
| Loan and lease loss provision to assets | 0.5245% | 2,401 |
| Net operating income to assets | -1.3532% | 7,279 |
| Return on assets (ROA) | -1.1784% | 7,224 |
| Pretax return on assets | -1.1784% | 7,134 |
| Return on Equity (ROE) | -12.4826% | 7,239 |
| Retained earnings to average equity (ytd only) | -12.4826% | 7,102 |
| Net charge-offs to loans | 1.5084% | 1,149 |
| Credit loss provision to net charge-offs | 51.3699% | 4,459 |
| Earnings coverage of net charge-offs (x) | -0.8116% | 5,354 |
| Efficiency ratio | 136.0182% | 282 |
| Assets per employee ($millions) | 3.8248% | 4,262 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7473% | 2,903 |
| Loan loss allowance to noncurrent loans | 25.7214% | 6,690 |
| Noncurrent assets plus other real estate owned to assets | 8.1538% | 599 |
| Noncurrent loans to loans | 6.7931% | 893 |
| Net loans and leases to total assets | 65.5215% | 3,981 |
| Net loans and leases to deposits | 74.8989% | 4,609 |
| Net loans and leases to core deposits | 85.0321% | 4,048 |
| Total domestic deposits to total assets | 87.4800% | 2,366 |
| Equity capital to assets | 9.2885% | 4,854 |
| Core capital (leverage) ratio | 9.2983% | 4,063 |
| Tier 1 risk-based capital ratio | 11.8762% | 5,319 |
| Total risk-based capital ratio | 13.1291% | 5,270 |
| Memoranda: |
| Average total assets | $114,396,000 | 4,758 |
| Average earning assets | $97,206,500 | 4,948 |
| Average equity | $10,799,000 | 5,030 |
| Average total loans | $77,434,000 | 4,591 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5849% | 3,685 |
| Cost of funding earning assets | 2.1191% | 2,372 |
| Net interest margin | 3.4658% | 5,105 |
| Noninterest income to average assets | 0.8960% | 1,957 |
| Noninterest expense to average assets | 3.2777% | 3,089 |
| Loan and lease loss provision to assets | 2.0474% | 1,046 |
| Net operating income to assets | -0.0954% | 5,674 |
| Return on assets (ROA) | -0.9597% | 6,553 |
| Pretax return on assets | -2.8162% | 7,243 |
| Return on Equity (ROE) | -9.2586% | 6,562 |
| Retained earnings to average equity (ytd only) | -9.2586% | 6,456 |
| Net charge-offs to loans | 3.9663% | 424 |
| Credit loss provision to net charge-offs | 73.2137% | 6,426 |
| Earnings coverage of net charge-offs (x) | 0.2079% | 5,926 |
| Efficiency ratio | 84.9315% | 2,239 |
| Assets per employee ($millions) | 3.6790% | 4,575 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8864% | 2,295 |
| Loan loss allowance to noncurrent loans | 27.0349% | 6,681 |
| Noncurrent assets plus other real estate owned to assets | 8.1089% | 545 |
| Noncurrent loans to loans | 6.9778% | 803 |
| Net loans and leases to total assets | 67.4023% | 3,834 |
| Net loans and leases to deposits | 77.4980% | 4,473 |
| Net loans and leases to core deposits | 101.6154% | 3,836 |
| Total domestic deposits to total assets | 86.9730% | 2,526 |
| Equity capital to assets | 9.5925% | 4,278 |
| Core capital (leverage) ratio | 9.6942% | 3,466 |
| Tier 1 risk-based capital ratio | 12.3799% | 4,613 |
| Total risk-based capital ratio | 13.6352% | 4,576 |
| Memoranda: |
| Average total assets | $111,602,400 | 4,782 |
| Average earning assets | $95,418,200 | 4,964 |
| Average equity | $11,567,600 | 4,853 |
| Average total loans | $78,687,400 | 4,563 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6050% | 3,837 |
| Cost of funding earning assets | 2.1228% | 2,788 |
| Net interest margin | 3.4822% | 4,939 |
| Noninterest income to average assets | 0.8601% | 2,146 |
| Noninterest expense to average assets | 3.2098% | 3,268 |
| Loan and lease loss provision to assets | 0.8601% | 2,229 |
| Net operating income to assets | 0.0150% | 5,678 |
| Return on assets (ROA) | -0.6139% | 6,539 |
| Pretax return on assets | -1.2169% | 6,823 |
| Return on Equity (ROE) | -5.8111% | 6,537 |
| Retained earnings to average equity (ytd only) | -5.8111% | 6,367 |
| Net charge-offs to loans | 2.9638% | 571 |
| Credit loss provision to net charge-offs | 40.8909% | 6,412 |
| Earnings coverage of net charge-offs (x) | 0.2975% | 5,721 |
| Efficiency ratio | 83.6831% | 2,328 |
| Assets per employee ($millions) | 3.6448% | 4,558 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5951% | 3,009 |
| Loan loss allowance to noncurrent loans | 19.2737% | 7,126 |
| Noncurrent assets plus other real estate owned to assets | 9.3052% | 400 |
| Noncurrent loans to loans | 8.2761% | 575 |
| Net loans and leases to total assets | 69.8327% | 3,559 |
| Net loans and leases to deposits | 80.6971% | 4,251 |
| Net loans and leases to core deposits | 102.6140% | 4,091 |
| Total domestic deposits to total assets | 86.5369% | 2,412 |
| Equity capital to assets | 10.0752% | 3,993 |
| Core capital (leverage) ratio | 10.3044% | 2,969 |
| Tier 1 risk-based capital ratio | 12.9176% | 4,253 |
| Total risk-based capital ratio | 14.1650% | 4,189 |
| Memoranda: |
| Average total assets | $110,991,000 | 4,830 |
| Average earning assets | $94,842,250 | 5,011 |
| Average equity | $11,724,500 | 4,860 |
| Average total loans | $78,772,000 | 4,598 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7597% | 3,251 |
| Cost of funding earning assets | 2.1637% | 2,967 |
| Net interest margin | 3.5961% | 4,380 |
| Noninterest income to average assets | 0.8357% | 2,241 |
| Noninterest expense to average assets | 3.0981% | 3,709 |
| Loan and lease loss provision to assets | 0.7088% | 2,303 |
| Net operating income to assets | 0.2964% | 4,916 |
| Return on assets (ROA) | -0.6526% | 6,713 |
| Pretax return on assets | -1.4231% | 7,048 |
| Return on Equity (ROE) | -6.0821% | 6,719 |
| Retained earnings to average equity (ytd only) | -6.0821% | 6,461 |
| Net charge-offs to loans | 2.1098% | 875 |
| Credit loss provision to net charge-offs | 47.3366% | 5,800 |
| Earnings coverage of net charge-offs (x) | 0.5133% | 5,191 |
| Efficiency ratio | 80.1219% | 3,025 |
| Assets per employee ($millions) | 3.4881% | 4,842 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3524% | 1,040 |
| Loan loss allowance to noncurrent loans | 33.1335% | 6,248 |
| Noncurrent assets plus other real estate owned to assets | 9.8353% | 307 |
| Noncurrent loans to loans | 7.0997% | 677 |
| Net loans and leases to total assets | 69.8794% | 3,730 |
| Net loans and leases to deposits | 81.2022% | 4,359 |
| Net loans and leases to core deposits | 99.8489% | 4,524 |
| Total domestic deposits to total assets | 86.0560% | 2,759 |
| Equity capital to assets | 10.5332% | 3,359 |
| Core capital (leverage) ratio | 10.5301% | 2,787 |
| Tier 1 risk-based capital ratio | 13.1308% | 4,049 |
| Total risk-based capital ratio | 14.3839% | 3,966 |
| Memoranda: |
| Average total assets | $110,324,670 | 4,872 |
| Average earning assets | $92,990,670 | 5,095 |
| Average equity | $11,838,000 | 4,861 |
| Average total loans | $78,301,670 | 4,642 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7946% | 3,334 |
| Cost of funding earning assets | 2.2176% | 3,073 |
| Net interest margin | 3.5770% | 4,418 |
| Noninterest income to average assets | 0.8096% | 2,279 |
| Noninterest expense to average assets | 3.2495% | 2,797 |
| Loan and lease loss provision to assets | 0.5471% | 2,284 |
| Net operating income to assets | 0.0073% | 6,239 |
| Return on assets (ROA) | 0.0073% | 6,391 |
| Pretax return on assets | 0.0073% | 6,360 |
| Return on Equity (ROE) | 0.0673% | 6,395 |
| Retained earnings to average equity (ytd only) | 0.0673% | 5,628 |
| Net charge-offs to loans | 3.3233% | 375 |
| Credit loss provision to net charge-offs | 23.2919% | 5,036 |
| Earnings coverage of net charge-offs (x) | 0.2360% | 4,793 |
| Efficiency ratio | 85.4267% | 2,137 |
| Assets per employee ($millions) | 3.5007% | 4,822 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2726% | 979 |
| Loan loss allowance to noncurrent loans | 36.9618% | 6,089 |
| Noncurrent assets plus other real estate owned to assets | 8.1948% | 351 |
| Noncurrent loans to loans | 6.1484% | 763 |
| Net loans and leases to total assets | 67.7487% | 4,198 |
| Net loans and leases to deposits | 78.1316% | 4,904 |
| Net loans and leases to core deposits | 93.8689% | 5,168 |
| Total domestic deposits to total assets | 86.7110% | 2,357 |
| Equity capital to assets | 10.0525% | 3,941 |
| Core capital (leverage) ratio | 11.0560% | 2,462 |
| Tier 1 risk-based capital ratio | 13.2570% | 4,020 |
| Total risk-based capital ratio | 14.5161% | 3,933 |
| Memoranda: |
| Average total assets | $109,678,000 | 4,916 |
| Average earning assets | $91,809,500 | 5,152 |
| Average equity | $11,878,500 | 4,870 |
| Average total loans | $77,514,000 | 4,700 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.5800% | 2,579 |
| Cost of funding earning assets | 2.9990% | 1,866 |
| Net interest margin | 3.5810% | 4,973 |
| Noninterest income to average assets | 0.9946% | 1,597 |
| Noninterest expense to average assets | 3.9839% | 1,445 |
| Loan and lease loss provision to assets | 2.6294% | 384 |
| Net operating income to assets | -2.4973% | 7,708 |
| Return on assets (ROA) | -2.4717% | 7,673 |
| Pretax return on assets | -2.4717% | 7,585 |
| Return on Equity (ROE) | -25.2181% | 7,867 |
| Retained earnings to average equity (ytd only) | -32.9715% | 7,959 |
| Net charge-offs to loans | 2.6731% | 351 |
| Credit loss provision to net charge-offs | 137.7800% | 3,865 |
| Earnings coverage of net charge-offs (x) | 0.0692% | 6,205 |
| Efficiency ratio | 96.7921% | 1,107 |
| Assets per employee ($millions) | 3.2448% | 5,350 |
| Cash dividends to net income (ytd only)* | -30.7456% | 8,000 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.0877% | 406 |
| Loan loss allowance to noncurrent loans | 38.8451% | 6,129 |
| Noncurrent assets plus other real estate owned to assets | 9.9468% | 165 |
| Noncurrent loans to loans | 7.9488% | 341 |
| Net loans and leases to total assets | 69.9476% | 4,032 |
| Net loans and leases to deposits | 83.4891% | 4,500 |
| Net loans and leases to core deposits | 127.8009% | 2,019 |
| Total domestic deposits to total assets | 83.7805% | 3,440 |
| Equity capital to assets | 11.6958% | 2,507 |
| Core capital (leverage) ratio | 12.1085% | 1,917 |
| Tier 1 risk-based capital ratio | 14.3230% | 3,381 |
| Total risk-based capital ratio | 15.5904% | 3,295 |
| Memoranda: |
| Average total assets | $105,272,600 | 4,894 |
| Average earning assets | $91,763,000 | 5,037 |
| Average equity | $10,318,000 | 5,313 |
| Average total loans | $75,155,600 | 4,684 |
