| 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 | 3.1088% | 5,771 |
| Cost of funding earning assets | 0.2176% | 5,342 |
| Net interest margin | 2.8912% | 5,474 |
| Noninterest income to average assets | 16.0632% | 52 |
| Noninterest expense to average assets | 15.6593% | 49 |
| Loan and lease loss provision to assets | 1.0693% | 70 |
| Net operating income to assets | 0.9742% | 2,370 |
| Return on assets (ROA) | 0.9742% | 2,506 |
| Pretax return on assets | 1.5445% | 1,410 |
| Return on Equity (ROE) | 3.5845% | 5,147 |
| Retained earnings to average equity (ytd only) | 3.5845% | 3,849 |
| Net charge-offs to loans | 3.2508% | 45 |
| Credit loss provision to net charge-offs | 72.5806% | 1,893 |
| Earnings coverage of net charge-offs (x) | 1.7742% | 2,869 |
| Efficiency ratio | 85.6957% | 1,208 |
| Assets per employee ($millions) | 0.6387% | 6,380 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2482% | 751 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 41.8344% | 5,500 |
| Net loans and leases to deposits | 58.9089% | 4,836 |
| Net loans and leases to core deposits | 58.9089% | 5,070 |
| Total domestic deposits to total assets | 71.0154% | 6,086 |
| Equity capital to assets | 26.1892% | 84 |
| Core capital (leverage) ratio | 22.3289% | 130 |
| Tier 1 risk-based capital ratio | 45.9940% | 180 |
| Total risk-based capital ratio | 47.3356% | 177 |
| Memoranda: |
| Average total assets | $33,667,000 | 6,103 |
| Average earning assets | $25,733,500 | 6,181 |
| Average equity | $9,150,500 | 4,953 |
| Average total loans | $15,258,000 | 6,079 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.8543% | 6,166 |
| Cost of funding earning assets | 0.2372% | 5,452 |
| Net interest margin | 2.6171% | 6,044 |
| Noninterest income to average assets | 17.2407% | 47 |
| Noninterest expense to average assets | 16.2103% | 46 |
| Loan and lease loss provision to assets | 2.2346% | 22 |
| Net operating income to assets | 0.5183% | 4,738 |
| Return on assets (ROA) | 0.5183% | 4,825 |
| Pretax return on assets | 0.7821% | 4,323 |
| Return on Equity (ROE) | 1.8267% | 5,810 |
| Retained earnings to average equity (ytd only) | 1.8267% | 4,890 |
| Net charge-offs to loans | 5.3272% | 8 |
| Credit loss provision to net charge-offs | 101.1236% | 2,363 |
| Earnings coverage of net charge-offs (x) | 1.3652% | 4,439 |
| Efficiency ratio | 84.3099% | 1,370 |
| Assets per employee ($millions) | 0.5182% | 6,473 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4028% | 621 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 47.0336% | 5,247 |
| Net loans and leases to deposits | 68.1767% | 4,109 |
| Net loans and leases to core deposits | 68.1767% | 4,487 |
| Total domestic deposits to total assets | 68.9877% | 6,235 |
| Equity capital to assets | 28.7151% | 71 |
| Core capital (leverage) ratio | 23.8944% | 105 |
| Tier 1 risk-based capital ratio | 45.4878% | 168 |
| Total risk-based capital ratio | 46.7491% | 168 |
| Memoranda: |
| Average total assets | $32,220,200 | 6,212 |
| Average earning assets | $24,454,400 | 6,285 |
| Average equity | $9,142,400 | 4,941 |
| Average total loans | $13,365,400 | 6,217 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.7222% | 6,321 |
| Cost of funding earning assets | 0.2282% | 5,607 |
| Net interest margin | 2.4940% | 6,233 |
| Noninterest income to average assets | 17.8800% | 45 |
| Noninterest expense to average assets | 16.4079% | 46 |
| Loan and lease loss provision to assets | 2.2123% | 27 |
| Net operating income to assets | 0.7360% | 3,746 |
| Return on assets (ROA) | 0.7360% | 3,854 |
| Pretax return on assets | 1.1578% | 2,955 |
| Return on Equity (ROE) | 2.6018% | 5,680 |
| Retained earnings to average equity (ytd only) | 2.6018% | 4,736 |
| Net charge-offs to loans | 5.3285% | 10 |
| Credit loss provision to net charge-offs | 104.2885% | 2,123 |
| Earnings coverage of net charge-offs (x) | 1.5887% | 4,119 |
| Efficiency ratio | 82.9605% | 1,500 |
| Assets per employee ($millions) | 0.5541% | 6,550 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.6516% | 525 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 44.8691% | 5,462 |
| Net loans and leases to deposits | 65.7038% | 4,362 |
| Net loans and leases to core deposits | 66.5305% | 4,659 |
| Total domestic deposits to total assets | 68.2899% | 6,344 |
| Equity capital to assets | 29.1581% | 70 |
| Core capital (leverage) ratio | 24.1906% | 98 |
| Tier 1 risk-based capital ratio | 47.7692% | 149 |
| Total risk-based capital ratio | 49.0373% | 147 |
| Memoranda: |
| Average total assets | $32,243,750 | 6,284 |
| Average earning assets | $24,538,000 | 6,359 |
| Average equity | $9,121,750 | 4,979 |
| Average total loans | $12,836,250 | 6,306 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.6604% | 6,416 |
| Cost of funding earning assets | 0.2278% | 5,679 |
| Net interest margin | 2.4326% | 6,331 |
| Noninterest income to average assets | 17.9953% | 43 |
| Noninterest expense to average assets | 16.5106% | 45 |
| Loan and lease loss provision to assets | 1.8482% | 39 |
| Net operating income to assets | 0.9303% | 2,654 |
| Return on assets (ROA) | 0.9303% | 2,758 |
| Pretax return on assets | 1.4786% | 1,604 |
| Return on Equity (ROE) | 3.3214% | 5,417 |
| Retained earnings to average equity (ytd only) | 3.3214% | 4,085 |
| Net charge-offs to loans | 5.1212% | 9 |
| Credit loss provision to net charge-offs | 95.5414% | 2,090 |
| Earnings coverage of net charge-offs (x) | 1.7197% | 3,729 |
| Efficiency ratio | 83.2298% | 1,600 |
| Assets per employee ($millions) | 0.5621% | 6,618 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.9350% | 409 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 36.1278% | 6,046 |
| Net loans and leases to deposits | 51.6510% | 5,522 |
| Net loans and leases to core deposits | 52.2762% | 5,651 |
| Total domestic deposits to total assets | 69.9460% | 6,355 |
| Equity capital to assets | 28.6775% | 68 |
| Core capital (leverage) ratio | 22.6381% | 121 |
| Tier 1 risk-based capital ratio | 55.1539% | 107 |
| Total risk-based capital ratio | 56.4210% | 106 |
| Memoranda: |
| Average total assets | $32,464,000 | 6,339 |
| Average earning assets | $24,582,330 | 6,418 |
| Average equity | $9,092,670 | 5,006 |
| Average total loans | $12,262,670 | 6,376 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.4994% | 6,548 |
| Cost of funding earning assets | 0.2287% | 5,763 |
| Net interest margin | 2.2707% | 6,492 |
| Noninterest income to average assets | 17.8110% | 42 |
| Noninterest expense to average assets | 16.3543% | 44 |
| Loan and lease loss provision to assets | 1.5302% | 64 |
| Net operating income to assets | 1.0283% | 2,090 |
| Return on assets (ROA) | 1.0283% | 2,163 |
| Pretax return on assets | 1.6281% | 1,116 |
| Return on Equity (ROE) | 3.7148% | 5,166 |
| Retained earnings to average equity (ytd only) | 3.7148% | 3,903 |
| Net charge-offs to loans | 4.0220% | 38 |
| Credit loss provision to net charge-offs | 100.0000% | 1,649 |
| Earnings coverage of net charge-offs (x) | 2.0640% | 2,961 |
| Efficiency ratio | 83.8143% | 1,693 |
| Assets per employee ($millions) | 0.5760% | 6,688 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.8668% | 502 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 35.6889% | 6,080 |
| Net loans and leases to deposits | 49.7439% | 5,614 |
| Net loans and leases to core deposits | 50.2854% | 5,741 |
| Total domestic deposits to total assets | 71.7452% | 6,372 |
| Equity capital to assets | 26.3275% | 84 |
| Core capital (leverage) ratio | 21.7147% | 140 |
| Tier 1 risk-based capital ratio | 51.1043% | 125 |
| Total risk-based capital ratio | 52.3736% | 124 |
| Memoranda: |
| Average total assets | $32,676,500 | 6,401 |
| Average earning assets | $24,485,500 | 6,488 |
| Average equity | $9,045,000 | 5,043 |
| Average total loans | $12,431,500 | 6,439 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.0539% | 6,708 |
| Cost of funding earning assets | 0.2653% | 5,867 |
| Net interest margin | 1.7886% | 6,691 |
| Noninterest income to average assets | 18.7103% | 41 |
| Noninterest expense to average assets | 17.8282% | 40 |
| Loan and lease loss provision to assets | 1.8903% | 53 |
| Net operating income to assets | 6.5718% | 36 |
| Return on assets (ROA) | 6.6285% | 36 |
| Pretax return on assets | 0.4505% | 5,359 |
| Return on Equity (ROE) | 28.4717% | 81 |
| Retained earnings to average equity (ytd only) | 28.4717% | 36 |
| Net charge-offs to loans | 10.7615% | 5 |
| Credit loss provision to net charge-offs | 64.9351% | 3,429 |
| Earnings coverage of net charge-offs (x) | 0.7846% | 4,827 |
| Efficiency ratio | 88.6435% | 1,153 |
| Assets per employee ($millions) | 0.4666% | 6,772 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.9919% | 473 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 38.3232% | 6,065 |
| Net loans and leases to deposits | 55.6383% | 5,333 |
| Net loans and leases to core deposits | 56.3476% | 5,509 |
| Total domestic deposits to total assets | 68.8791% | 6,559 |
| Equity capital to assets | 29.1986% | 71 |
| Core capital (leverage) ratio | 25.4064% | 84 |
| Tier 1 risk-based capital ratio | 52.0488% | 120 |
| Total risk-based capital ratio | 53.3149% | 118 |
| Memoranda: |
| Average total assets | $31,741,800 | 6,488 |
| Average earning assets | $24,879,800 | 6,553 |
| Average equity | $7,389,800 | 5,477 |
| Average total loans | $8,586,200 | 6,631 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 1.8923% | 6,804 |
| Cost of funding earning assets | 0.2778% | 5,903 |
| Net interest margin | 1.6145% | 6,793 |
| Noninterest income to average assets | 18.5580% | 41 |
| Noninterest expense to average assets | 17.9951% | 42 |
| Loan and lease loss provision to assets | 1.6678% | 62 |
| Net operating income to assets | 0.1793% | 5,965 |
| Return on assets (ROA) | 0.1793% | 6,032 |
| Pretax return on assets | 0.1793% | 6,074 |
| Return on Equity (ROE) | 0.8203% | 6,210 |
| Retained earnings to average equity (ytd only) | 0.8203% | 5,653 |
| Net charge-offs to loans | 12.3947% | 4 |
| Credit loss provision to net charge-offs | 55.9441% | 3,379 |
| Earnings coverage of net charge-offs (x) | 0.6196% | 4,651 |
| Efficiency ratio | 90.6913% | 936 |
| Assets per employee ($millions) | 0.4351% | 6,855 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.6152% | 152 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 27.2567% | 6,618 |
| Net loans and leases to deposits | 36.8711% | 6,478 |
| Net loans and leases to core deposits | 38.1332% | 6,496 |
| Total domestic deposits to total assets | 73.9243% | 6,375 |
| Equity capital to assets | 24.4175% | 99 |
| Core capital (leverage) ratio | 23.3704% | 110 |
| Tier 1 risk-based capital ratio | 64.5048% | 79 |
| Total risk-based capital ratio | 65.7854% | 79 |
| Memoranda: |
| Average total assets | $31,978,250 | 6,556 |
| Average earning assets | $25,435,500 | 6,618 |
| Average equity | $6,989,250 | 5,639 |
| Average total loans | $7,691,250 | 6,736 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 1.7994% | 6,859 |
| Cost of funding earning assets | 0.2809% | 5,977 |
| Net interest margin | 1.5184% | 6,854 |
| Noninterest income to average assets | 17.8681% | 43 |
| Noninterest expense to average assets | 18.0247% | 42 |
| Loan and lease loss provision to assets | 0.9636% | 198 |
| Net operating income to assets | 0.0843% | 6,166 |
| Return on assets (ROA) | 0.0843% | 6,248 |
| Pretax return on assets | 0.0843% | 6,253 |
| Return on Equity (ROE) | 0.3990% | 6,326 |
| Retained earnings to average equity (ytd only) | 0.3990% | 5,738 |
| Net charge-offs to loans | 9.3109% | 7 |
| Credit loss provision to net charge-offs | 45.4545% | 3,306 |
| Earnings coverage of net charge-offs (x) | 0.4943% | 4,368 |
| Efficiency ratio | 94.5058% | 742 |
| Assets per employee ($millions) | 0.5159% | 6,899 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) |
| Loss allowance to loans | 6.7027% | 34 |
| Loan loss allowance to noncurrent loans | 69.8592% | 4,425 |
| Noncurrent assets plus other real estate owned to assets | 2.2197% | 1,942 |
| Noncurrent loans to loans | 9.5946% | 177 |
| Net loans and leases to total assets | 21.5838% | 6,772 |
| Net loans and leases to deposits | 28.1062% | 6,734 |
| Net loans and leases to core deposits | 28.9209% | 6,737 |
| Total domestic deposits to total assets | 76.7937% | 6,154 |
| Equity capital to assets | 21.5119% | 152 |
| Core capital (leverage) ratio | 21.1513% | 141 |
| Tier 1 risk-based capital ratio | 57.2108% | 96 |
| Total risk-based capital ratio | 58.4988% | 96 |
| Memoranda: |
| Average total assets | $33,210,000 | 6,576 |
| Average earning assets | $26,342,670 | 6,648 |
| Average equity | $7,017,000 | 5,678 |
| Average total loans | $7,561,000 | 6,790 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 1.6669% | 6,950 |
| Cost of funding earning assets | 0.2828% | 6,087 |
| Net interest margin | 1.3841% | 6,946 |
| Noninterest income to average assets | 17.5510% | 43 |
| Noninterest expense to average assets | 18.0477% | 43 |
| Loan and lease loss provision to assets | 1.4192% | 102 |
| Net operating income to assets | -0.8160% | 6,766 |
| Return on assets (ROA) | -0.8160% | 6,778 |
| Pretax return on assets | -0.8160% | 6,757 |
| Return on Equity (ROE) | -3.8956% | 6,646 |
| Retained earnings to average equity (ytd only) | -3.8956% | 6,268 |
| Net charge-offs to loans | 8.1136% | 17 |
| Credit loss provision to net charge-offs | 77.4194% | 2,193 |
| Earnings coverage of net charge-offs (x) | 0.3290% | 3,702 |
| Efficiency ratio | 96.7660% | 692 |
| Assets per employee ($millions) | 0.5150% | 6,977 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) |
| Loss allowance to loans | 8.7863% | 21 |
| Loan loss allowance to noncurrent loans | 91.8425% | 3,580 |
| Noncurrent assets plus other real estate owned to assets | 3.4898% | 1,218 |
| Noncurrent loans to loans | 9.5667% | 233 |
| Net loans and leases to total assets | 18.8055% | 6,878 |
| Net loans and leases to deposits | 24.0484% | 6,856 |
| Net loans and leases to core deposits | 24.6527% | 6,856 |
| Total domestic deposits to total assets | 78.1985% | 6,084 |
| Equity capital to assets | 19.5101% | 236 |
| Core capital (leverage) ratio | 19.9537% | 195 |
| Tier 1 risk-based capital ratio | 63.6994% | 85 |
| Total risk-based capital ratio | 65.0120% | 84 |
| Memoranda: |
| Average total assets | $33,821,500 | 6,622 |
| Average earning assets | $26,876,000 | 6,696 |
| Average equity | $7,085,000 | 5,721 |
| Average total loans | $7,641,500 | 6,858 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 1.9661% | 6,993 |
| Cost of funding earning assets | 0.2719% | 6,581 |
| Net interest margin | 1.6942% | 6,978 |
| Noninterest income to average assets | 16.8233% | 48 |
| Noninterest expense to average assets | 19.3798% | 39 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | -0.9540% | 6,731 |
| Return on assets (ROA) | -0.9540% | 6,747 |
| Pretax return on assets | -1.2939% | 6,801 |
| Return on Equity (ROE) | -4.2189% | 6,563 |
| Retained earnings to average equity (ytd only) | -4.2189% | 6,379 |
| Net charge-offs to loans | 10.1011% | 5 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | -0.5497% | 5,683 |
| Efficiency ratio | 107.1539% | 387 |
| Assets per employee ($millions) | 0.4514% | 7,043 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) |
| Loss allowance to loans | 8.7632% | 24 |
| Loan loss allowance to noncurrent loans | 96.0894% | 3,433 |
| Noncurrent assets plus other real estate owned to assets | 4.0260% | 1,061 |
| Noncurrent loans to loans | 9.1199% | 283 |
| Net loans and leases to total assets | 22.6713% | 6,881 |
| Net loans and leases to deposits | 29.6286% | 6,838 |
| Net loans and leases to core deposits | 29.6286% | 6,853 |
| Total domestic deposits to total assets | 76.5184% | 6,285 |
| Equity capital to assets | 22.5890% | 139 |
| Core capital (leverage) ratio | 22.5192% | 121 |
| Tier 1 risk-based capital ratio | 61.6584% | 92 |
| Total risk-based capital ratio | 62.9695% | 92 |
| Memoranda: |
| Average total assets | $32,074,600 | 6,706 |
| Average earning assets | $23,905,600 | 6,817 |
| Average equity | $7,253,000 | 5,694 |
| Average total loans | $7,474,400 | 6,937 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.0081% | 7,100 |
| Cost of funding earning assets | 0.2573% | 6,781 |
| Net interest margin | 1.7508% | 7,084 |
| Noninterest income to average assets | 16.9217% | 48 |
| Noninterest expense to average assets | 19.3237% | 39 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | -0.6833% | 6,771 |
| Return on assets (ROA) | -0.6833% | 6,799 |
| Pretax return on assets | -1.1057% | 6,892 |
| Return on Equity (ROE) | -3.0210% | 6,623 |
| Retained earnings to average equity (ytd only) | -3.0210% | 6,480 |
| Net charge-offs to loans | 11.0201% | 5 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | -0.4377% | 5,481 |
| Efficiency ratio | 106.0696% | 380 |
| Assets per employee ($millions) | 0.4105% | 7,146 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) |
| Loss allowance to loans | 8.4810% | 25 |
| Loan loss allowance to noncurrent loans | 37.8809% | 5,751 |
| Noncurrent assets plus other real estate owned to assets | 9.2729% | 285 |
| Noncurrent loans to loans | 22.3885% | 27 |
| Net loans and leases to total assets | 29.5895% | 6,829 |
| Net loans and leases to deposits | 39.2979% | 6,706 |
| Net loans and leases to core deposits | 40.0365% | 6,738 |
| Total domestic deposits to total assets | 75.2954% | 6,477 |
| Equity capital to assets | 24.0166% | 118 |
| Core capital (leverage) ratio | 23.5708% | 111 |
| Tier 1 risk-based capital ratio | 54.3187% | 121 |
| Total risk-based capital ratio | 55.6346% | 119 |
| Memoranda: |
| Average total assets | $32,194,500 | 6,787 |
| Average earning assets | $23,835,500 | 6,909 |
| Average equity | $7,282,000 | 5,751 |
| Average total loans | $7,380,250 | 7,030 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 1.9387% | 7,182 |
| Cost of funding earning assets | 0.2507% | 6,911 |
| Net interest margin | 1.6880% | 7,163 |
| Noninterest income to average assets | 14.9453% | 53 |
| Noninterest expense to average assets | 19.3173% | 41 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | -1.3415% | 6,986 |
| Return on assets (ROA) | -1.3415% | 7,004 |
| Pretax return on assets | -3.1403% | 7,155 |
| Return on Equity (ROE) | -6.0462% | 6,800 |
| Retained earnings to average equity (ytd only) | -6.0462% | 6,673 |
| Net charge-offs to loans | 11.2087% | 3 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | -1.3995% | 5,344 |
| Efficiency ratio | 119.4120% | 234 |
| Assets per employee ($millions) | 0.4143% | 7,208 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) |
| Loss allowance to loans | 16.6951% | 3 |
| Loan loss allowance to noncurrent loans | 46.8206% | 5,293 |
| Noncurrent assets plus other real estate owned to assets | 10.4897% | 239 |
| Noncurrent loans to loans | 35.6577% | 6 |
| Net loans and leases to total assets | 16.8161% | 7,125 |
| Net loans and leases to deposits | 21.9279% | 7,112 |
| Net loans and leases to core deposits | 22.3128% | 7,122 |
| Total domestic deposits to total assets | 76.6882% | 6,376 |
| Equity capital to assets | 22.5281% | 143 |
| Core capital (leverage) ratio | 21.8653% | 137 |
| Tier 1 risk-based capital ratio | 65.2194% | 84 |
| Total risk-based capital ratio | 66.5803% | 83 |
| Memoranda: |
| Average total assets | $32,799,670 | 6,817 |
| Average earning assets | $23,933,330 | 6,964 |
| Average equity | $7,277,330 | 5,764 |
| Average total loans | $6,566,330 | 7,118 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 1.9227% | 7,240 |
| Cost of funding earning assets | 0.2698% | 6,949 |
| Net interest margin | 1.6528% | 7,222 |
| Noninterest income to average assets | 17.7321% | 43 |
| Noninterest expense to average assets | 19.1275% | 36 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.3128% | 5,616 |
| Return on assets (ROA) | 0.3128% | 5,775 |
| Pretax return on assets | -0.2165% | 6,678 |
| Return on Equity (ROE) | 1.4202% | 6,248 |
| Retained earnings to average equity (ytd only) | 1.4202% | 5,527 |
| Net charge-offs to loans | 8.8084% | 27 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | -0.1233% | 4,415 |
| Efficiency ratio | 101.1450% | 513 |
| Assets per employee ($millions) | 0.4495% | 7,271 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) |
| Loss allowance to loans | 20.3419% | 2 |
| Loan loss allowance to noncurrent loans | 55.9534% | 4,741 |
| Noncurrent assets plus other real estate owned to assets | 11.5995% | 221 |
| Noncurrent loans to loans | 36.3551% | 6 |
| Net loans and leases to total assets | 14.4858% | 7,208 |
| Net loans and leases to deposits | 18.4812% | 7,204 |
| Net loans and leases to core deposits | 18.7701% | 7,207 |
| Total domestic deposits to total assets | 78.3812% | 6,212 |
| Equity capital to assets | 20.9429% | 186 |
| Core capital (leverage) ratio | 21.6421% | 141 |
| Tier 1 risk-based capital ratio | 63.6991% | 85 |
| Total risk-based capital ratio | 65.0708% | 83 |
| Memoranda: |
| Average total assets | $33,250,500 | 6,856 |
| Average earning assets | $23,717,000 | 7,027 |
| Average equity | $7,323,000 | 5,785 |
| Average total loans | $6,630,000 | 7,173 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 1.1815% | 7,325 |
| Cost of funding earning assets | 0.8718% | 4,312 |
| Net interest margin | 0.3097% | 7,342 |
| Noninterest income to average assets | 10.7812% | 61 |
| Noninterest expense to average assets | 12.3733% | 59 |
| Loan and lease loss provision to assets | 2.1470% | 246 |
| Net operating income to assets | -2.3452% | 7,089 |
| Return on assets (ROA) | -2.3452% | 7,100 |
| Pretax return on assets | -3.5012% | 7,233 |
| Return on Equity (ROE) | -14.1295% | 6,866 |
| Retained earnings to average equity (ytd only) | -14.1295% | 6,843 |
| Net charge-offs to loans | 17.1965% | 1 |
| Credit loss provision to net charge-offs | 59.9631% | 5,172 |
| Earnings coverage of net charge-offs (x) | -0.3782% | 6,040 |
| Efficiency ratio | 112.2902% | 394 |
| Assets per employee ($millions) | 0.3834% | 7,325 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) |
| Loss allowance to loans | 20.9617% | 2 |
| Loan loss allowance to noncurrent loans | 62.1715% | 4,399 |
| Noncurrent assets plus other real estate owned to assets | 16.2251% | 93 |
| Noncurrent loans to loans | 33.7159% | 8 |
| Net loans and leases to total assets | 17.3065% | 7,236 |
| Net loans and leases to deposits | 22.7857% | 7,226 |
| Net loans and leases to core deposits | 23.1956% | 7,224 |
| Total domestic deposits to total assets | 75.9534% | 6,489 |
| Equity capital to assets | 23.2291% | 127 |
| Core capital (leverage) ratio | 23.2674% | 120 |
| Tier 1 risk-based capital ratio | 56.0571% | 108 |
| Total risk-based capital ratio | 57.4306% | 106 |
| Memoranda: |
| Average total assets | $45,412,400 | 6,497 |
| Average earning assets | $34,872,000 | 6,717 |
| Average equity | $7,537,400 | 5,702 |
| Average total loans | $9,455,400 | 7,131 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 1.0513% | 7,408 |
| Cost of funding earning assets | 0.9989% | 3,683 |
| Net interest margin | 0.0524% | 7,432 |
| Noninterest income to average assets | 9.3783% | 68 |
| Noninterest expense to average assets | 11.3767% | 67 |
| Loan and lease loss provision to assets | 2.3855% | 194 |
| Net operating income to assets | -2.9416% | 7,263 |
| Return on assets (ROA) | -2.9416% | 7,270 |
| Pretax return on assets | -4.3429% | 7,354 |
| Return on Equity (ROE) | -18.9393% | 7,085 |
| Retained earnings to average equity (ytd only) | -18.9393% | 7,068 |
| Net charge-offs to loans | 27.8193% | 2 |
| Credit loss provision to net charge-offs | 41.5282% | 5,210 |
| Earnings coverage of net charge-offs (x) | -0.3408% | 5,779 |
| Efficiency ratio | 120.7815% | 300 |
| Assets per employee ($millions) | 0.3936% | 7,404 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) |
| Loss allowance to loans | 12.0290% | 12 |
| Loan loss allowance to noncurrent loans | 33.2947% | 6,071 |
| Noncurrent assets plus other real estate owned to assets | 16.7731% | 93 |
| Noncurrent loans to loans | 36.1289% | 9 |
| Net loans and leases to total assets | 19.5340% | 7,287 |
| Net loans and leases to deposits | 25.4862% | 7,274 |
| Net loans and leases to core deposits | 25.9264% | 7,277 |
| Total domestic deposits to total assets | 76.6454% | 6,433 |
| Equity capital to assets | 22.5552% | 152 |
| Core capital (leverage) ratio | 22.6906% | 140 |
| Tier 1 risk-based capital ratio | 54.3227% | 129 |
| Total risk-based capital ratio | 55.6413% | 126 |
| Memoranda: |
| Average total assets | $48,905,750 | 6,457 |
| Average earning assets | $38,172,500 | 6,652 |
| Average equity | $7,596,000 | 5,726 |
| Average total loans | $10,098,250 | 7,184 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 0.8441% | 7,487 |
| Cost of funding earning assets | 1.2085% | 2,521 |
| Net interest margin | -0.3644% | 7,510 |
| Noninterest income to average assets | 7.5555% | 88 |
| Noninterest expense to average assets | 10.2148% | 73 |
| Loan and lease loss provision to assets | 2.2957% | 241 |
| Net operating income to assets | -4.2204% | 7,405 |
| Return on assets (ROA) | -4.2204% | 7,408 |
| Pretax return on assets | -5.2451% | 7,444 |
| Return on Equity (ROE) | -29.8377% | 7,240 |
| Retained earnings to average equity (ytd only) | -29.8377% | 7,232 |
| Net charge-offs to loans | 15.0420% | 6 |
| Credit loss provision to net charge-offs | 75.0300% | 3,913 |
| Earnings coverage of net charge-offs (x) | -0.9640% | 5,624 |
| Efficiency ratio | 140.5966% | 193 |
| Assets per employee ($millions) | 0.4025% | 7,479 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) |
| Loss allowance to loans | 19.0910% | 3 |
| Loan loss allowance to noncurrent loans | 30.3069% | 6,244 |
| Noncurrent assets plus other real estate owned to assets | 29.6534% | 15 |
| Noncurrent loans to loans | 62.9922% | 2 |
| Net loans and leases to total assets | 25.1400% | 7,297 |
| Net loans and leases to deposits | 32.8484% | 7,253 |
| Net loans and leases to core deposits | 33.4253% | 7,267 |
| Total domestic deposits to total assets | 76.5333% | 6,518 |
| Equity capital to assets | 22.5923% | 162 |
| Core capital (leverage) ratio | 16.4404% | 460 |
| Tier 1 risk-based capital ratio | 46.8367% | 163 |
| Total risk-based capital ratio | 48.2259% | 160 |
| Memoranda: |
| Average total assets | $54,450,330 | 6,316 |
| Average earning assets | $43,359,330 | 6,528 |
| Average equity | $7,701,670 | 5,703 |
| Average total loans | $11,075,670 | 7,214 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 0.7674% | 7,550 |
| Cost of funding earning assets | 1.3725% | 1,757 |
| Net interest margin | -0.6051% | 7,572 |
| Noninterest income to average assets | 6.3729% | 109 |
| Noninterest expense to average assets | 8.5925% | 94 |
| Loan and lease loss provision to assets | 3.3446% | 136 |
| Net operating income to assets | -4.5182% | 7,471 |
| Return on assets (ROA) | -4.5182% | 7,472 |
| Pretax return on assets | -6.0628% | 7,504 |
| Return on Equity (ROE) | -37.3320% | 7,367 |
| Retained earnings to average equity (ytd only) | -37.3320% | 7,344 |
| Net charge-offs to loans | 24.7730% | 2 |
| Credit loss provision to net charge-offs | 76.0719% | 3,232 |
| Earnings coverage of net charge-offs (x) | -0.6183% | 4,829 |
| Efficiency ratio | 146.2733% | 180 |
| Assets per employee ($millions) | 0.7519% | 7,522 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 18.3722% | 4 |
| Loan loss allowance to noncurrent loans | 28.1136% | 6,404 |
| Noncurrent assets plus other real estate owned to assets | 18.3562% | 83 |
| Noncurrent loans to loans | 65.3500% | 2 |
| Net loans and leases to total assets | 14.9352% | 7,477 |
| Net loans and leases to deposits | 17.3599% | 7,483 |
| Net loans and leases to core deposits | 18.1480% | 7,473 |
| Total domestic deposits to total assets | 86.0325% | 3,512 |
| Equity capital to assets | 13.2850% | 1,268 |
| Core capital (leverage) ratio | 11.5640% | 1,810 |
| Tier 1 risk-based capital ratio | 47.0191% | 157 |
| Total risk-based capital ratio | 48.4011% | 157 |
| Memoranda: |
| Average total assets | $65,778,500 | 6,000 |
| Average earning assets | $54,206,000 | 6,194 |
| Average equity | $7,961,000 | 5,616 |
| Average total loans | $11,674,000 | 7,243 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 1.1278% | 7,594 |
| Cost of funding earning assets | 1.7333% | 1,452 |
| Net interest margin | -0.6055% | 7,654 |
| Noninterest income to average assets | 4.8918% | 141 |
| Noninterest expense to average assets | 8.0467% | 112 |
| Loan and lease loss provision to assets | 0.9267% | 1,759 |
| Net operating income to assets | -3.3270% | 7,351 |
| Return on assets (ROA) | -3.3270% | 7,365 |
| Pretax return on assets | -4.5821% | 7,507 |
| Return on Equity (ROE) | -50.3224% | 7,425 |
| Retained earnings to average equity (ytd only) | -50.3224% | 7,421 |
| Net charge-offs to loans | 15.9988% | 4 |
| Credit loss provision to net charge-offs | 24.2298% | 6,529 |
| Earnings coverage of net charge-offs (x) | -0.9557% | 6,590 |
| Efficiency ratio | 183.2379% | 115 |
| Assets per employee ($millions) | 1.0055% | 7,592 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) |
| Loss allowance to loans | 16.2426% | 7 |
| Loan loss allowance to noncurrent loans | 28.7637% | 6,366 |
| Noncurrent assets plus other real estate owned to assets | 15.4643% | 150 |
| Noncurrent loans to loans | 56.4691% | 2 |
| Net loans and leases to total assets | 14.5115% | 7,565 |
| Net loans and leases to deposits | 16.6664% | 7,576 |
| Net loans and leases to core deposits | 17.2055% | 7,562 |
| Total domestic deposits to total assets | 87.0703% | 2,784 |
| Equity capital to assets | 11.1947% | 2,517 |
| Core capital (leverage) ratio | 11.3384% | 1,929 |
| Tier 1 risk-based capital ratio | 43.5328% | 186 |
| Total risk-based capital ratio | 44.9020% | 184 |
| Memoranda: |
| Average total assets | $75,533,800 | 5,729 |
| Average earning assets | $62,422,800 | 5,907 |
| Average equity | $4,993,800 | 6,664 |
| Average total loans | $18,057,600 | 7,023 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 1.1765% | 7,718 |
| Cost of funding earning assets | 1.7861% | 1,475 |
| Net interest margin | -0.6096% | 7,757 |
| Noninterest income to average assets | 4.6481% | 149 |
| Noninterest expense to average assets | 8.2233% | 106 |
| Loan and lease loss provision to assets | 1.0552% | 1,396 |
| Net operating income to assets | -4.1398% | 7,582 |
| Return on assets (ROA) | -4.1398% | 7,594 |
| Pretax return on assets | -5.1317% | 7,652 |
| Return on Equity (ROE) | -75.4514% | 7,650 |
| Retained earnings to average equity (ytd only) | -75.4514% | 7,649 |
| Net charge-offs to loans | 18.7361% | 6 |
| Credit loss provision to net charge-offs | 22.0669% | 6,228 |
| Earnings coverage of net charge-offs (x) | -0.8525% | 6,425 |
| Efficiency ratio | 198.3036% | 87 |
| Assets per employee ($millions) | 0.9730% | 7,698 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) |
| Loss allowance to loans | 13.5589% | 8 |
| Loan loss allowance to noncurrent loans | 33.2667% | 6,109 |
| Noncurrent assets plus other real estate owned to assets | 13.2472% | 216 |
| Noncurrent loans to loans | 40.7581% | 6 |
| Net loans and leases to total assets | 17.9474% | 7,635 |
| Net loans and leases to deposits | 19.2684% | 7,666 |
| Net loans and leases to core deposits | 20.2644% | 7,653 |
| Total domestic deposits to total assets | 93.1442% | 97 |
| Equity capital to assets | 5.1959% | 7,559 |
| Core capital (leverage) ratio | 4.9334% | 7,549 |
| Tier 1 risk-based capital ratio | 18.7650% | 1,804 |
| Total risk-based capital ratio | 20.1242% | 1,746 |
| Memoranda: |
| Average total assets | $75,814,750 | 5,780 |
| Average earning assets | $62,330,750 | 5,980 |
| Average equity | $4,159,750 | 7,030 |
| Average total loans | $19,349,000 | 7,055 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 1.2333% | 7,794 |
| Cost of funding earning assets | 1.8221% | 1,554 |
| Net interest margin | -0.5887% | 7,826 |
| Noninterest income to average assets | 3.5408% | 185 |
| Noninterest expense to average assets | 8.4518% | 105 |
| Loan and lease loss provision to assets | 1.5902% | 825 |
| Net operating income to assets | -5.1151% | 7,702 |
| Return on assets (ROA) | -5.1151% | 7,703 |
| Pretax return on assets | -6.9756% | 7,763 |
| Return on Equity (ROE) | -91.5777% | 7,723 |
| Retained earnings to average equity (ytd only) | -91.5777% | 7,722 |
| Net charge-offs to loans | 22.8530% | 2 |
| Credit loss provision to net charge-offs | 25.6410% | 5,796 |
| Earnings coverage of net charge-offs (x) | -0.8684% | 6,095 |
| Efficiency ratio | 275.6266% | 49 |
| Assets per employee ($millions) | 1.0610% | 7,763 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) |
| Loss allowance to loans | 14.5664% | 6 |
| Loan loss allowance to noncurrent loans | 33.4870% | 6,135 |
| Noncurrent assets plus other real estate owned to assets | 13.1448% | 211 |
| Noncurrent loans to loans | 43.4987% | 5 |
| Net loans and leases to total assets | 18.0231% | 7,706 |
| Net loans and leases to deposits | 19.3478% | 7,736 |
| Net loans and leases to core deposits | 20.9251% | 7,725 |
| Total domestic deposits to total assets | 93.1533% | 106 |
| Equity capital to assets | 5.3350% | 7,607 |
| Core capital (leverage) ratio | 5.1279% | 7,591 |
| Tier 1 risk-based capital ratio | 17.6435% | 2,057 |
| Total risk-based capital ratio | 19.0029% | 1,987 |
| Memoranda: |
| Average total assets | $75,463,330 | 5,823 |
| Average earning assets | $60,810,000 | 6,070 |
| Average equity | $4,215,000 | 7,040 |
| Average total loans | $20,478,670 | 7,041 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 1.3818% | 7,895 |
| Cost of funding earning assets | 1.8163% | 1,812 |
| Net interest margin | -0.4345% | 7,931 |
| Noninterest income to average assets | 6.7783% | 101 |
| Noninterest expense to average assets | 8.9115% | 99 |
| Loan and lease loss provision to assets | 2.5064% | 424 |
| Net operating income to assets | -2.5676% | 7,568 |
| Return on assets (ROA) | -2.5676% | 7,569 |
| Pretax return on assets | -4.9793% | 7,763 |
| Return on Equity (ROE) | -44.8117% | 7,683 |
| Retained earnings to average equity (ytd only) | -44.8117% | 7,671 |
| Net charge-offs to loans | 32.0888% | 3 |
| Credit loss provision to net charge-offs | 25.5102% | 4,887 |
| Earnings coverage of net charge-offs (x) | -0.2517% | 5,183 |
| Efficiency ratio | 138.4083% | 267 |
| Assets per employee ($millions) | 1.0720% | 7,865 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 14.8220% | 6 |
| Loan loss allowance to noncurrent loans | 33.8772% | 6,132 |
| Noncurrent assets plus other real estate owned to assets | 16.3610% | 109 |
| Noncurrent loans to loans | 43.7522% | 6 |
| Net loans and leases to total assets | 18.7250% | 7,801 |
| Net loans and leases to deposits | 20.3655% | 7,831 |
| Net loans and leases to core deposits | 22.3103% | 7,814 |
| Total domestic deposits to total assets | 91.9446% | 257 |
| Equity capital to assets | 4.2637% | 7,775 |
| Core capital (leverage) ratio | 5.0263% | 7,700 |
| Tier 1 risk-based capital ratio | 12.6281% | 4,621 |
| Total risk-based capital ratio | 13.9813% | 4,496 |
| Memoranda: |
| Average total assets | $71,817,500 | 6,000 |
| Average earning assets | $56,157,000 | 6,320 |
| Average equity | $4,115,000 | 7,135 |
| Average total loans | $21,989,000 | 7,049 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7715% | 7,768 |
| Cost of funding earning assets | 3.0081% | 222 |
| Net interest margin | 0.7634% | 7,948 |
| Noninterest income to average assets | 5.3737% | 132 |
| Noninterest expense to average assets | 7.9239% | 151 |
| Loan and lease loss provision to assets | 12.2562% | 8 |
| Net operating income to assets | -10.6358% | 7,978 |
| Return on assets (ROA) | -10.6268% | 7,978 |
| Pretax return on assets | -14.1349% | 7,995 |
| Return on Equity (ROE) | -101.9967% | 7,935 |
| Retained earnings to average equity (ytd only) | -101.9967% | 7,934 |
| Net charge-offs to loans | 15.2479% | 8 |
| Credit loss provision to net charge-offs | 142.4511% | 3,390 |
| Earnings coverage of net charge-offs (x) | -0.2197% | 6,473 |
| Efficiency ratio | 131.3365% | 463 |
| Assets per employee ($millions) | 0.6178% | 7,969 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) |
| Loss allowance to loans | 17.8853% | 6 |
| Loan loss allowance to noncurrent loans | 44.2139% | 5,455 |
| Noncurrent assets plus other real estate owned to assets | 25.3599% | 20 |
| Noncurrent loans to loans | 40.4518% | 9 |
| Net loans and leases to total assets | 37.4438% | 7,464 |
| Net loans and leases to deposits | 42.3857% | 7,561 |
| Net loans and leases to core deposits | 60.6333% | 7,242 |
| Total domestic deposits to total assets | 88.3407% | 1,798 |
| Equity capital to assets | 8.2737% | 6,231 |
| Core capital (leverage) ratio | 6.8903% | 7,319 |
| Tier 1 risk-based capital ratio | 14.1328% | 3,415 |
| Total risk-based capital ratio | 15.5386% | 3,273 |
| Memoranda: |
| Average total assets | $83,835,000 | 5,599 |
| Average earning assets | $72,437,800 | 5,739 |
| Average equity | $8,734,600 | 5,684 |
| Average total loans | $47,305,000 | 5,790 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8866% | 7,839 |
| Cost of funding earning assets | 3.1518% | 217 |
| Net interest margin | 0.7348% | 8,041 |
| Noninterest income to average assets | 4.9789% | 139 |
| Noninterest expense to average assets | 7.3062% | 184 |
| Loan and lease loss provision to assets | 12.2545% | 12 |
| Net operating income to assets | -9.5141% | 8,039 |
| Return on assets (ROA) | -9.5141% | 8,037 |
| Pretax return on assets | -13.9330% | 8,075 |
| Return on Equity (ROE) | -88.7014% | 7,985 |
| Retained earnings to average equity (ytd only) | -88.7014% | 7,984 |
| Net charge-offs to loans | 15.6876% | 14 |
| Credit loss provision to net charge-offs | 134.7353% | 3,686 |
| Earnings coverage of net charge-offs (x) | -0.1846% | 6,273 |
| Efficiency ratio | 129.8268% | 477 |
| Assets per employee ($millions) | 0.8426% | 8,045 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) |
| Loss allowance to loans | 9.8245% | 17 |
| Loan loss allowance to noncurrent loans | 65.7049% | 4,029 |
| Noncurrent assets plus other real estate owned to assets | 9.5420% | 379 |
| Noncurrent loans to loans | 14.9525% | 146 |
| Net loans and leases to total assets | 42.0023% | 7,364 |
| Net loans and leases to deposits | 46.9573% | 7,541 |
| Net loans and leases to core deposits | 86.9358% | 5,770 |
| Total domestic deposits to total assets | 89.4478% | 993 |
| Equity capital to assets | 9.0861% | 5,362 |
| Core capital (leverage) ratio | 8.3340% | 5,774 |
| Tier 1 risk-based capital ratio | 15.7668% | 2,709 |
| Total risk-based capital ratio | 17.0990% | 2,620 |
| Memoranda: |
| Average total assets | $91,664,750 | 5,376 |
| Average earning assets | $80,926,000 | 5,459 |
| Average equity | $9,832,000 | 5,385 |
| Average total loans | $53,144,500 | 5,586 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6998% | 7,993 |
| Cost of funding earning assets | 3.2193% | 252 |
| Net interest margin | 0.4805% | 8,141 |
| Noninterest income to average assets | 4.6254% | 143 |
| Noninterest expense to average assets | 6.8694% | 231 |
| Loan and lease loss provision to assets | 8.9227% | 51 |
| Net operating income to assets | -7.4766% | 8,070 |
| Return on assets (ROA) | -7.4766% | 8,059 |
| Pretax return on assets | -10.7359% | 8,118 |
| Return on Equity (ROE) | -67.1044% | 8,009 |
| Retained earnings to average equity (ytd only) | -67.1044% | 8,003 |
| Net charge-offs to loans | 9.8404% | 58 |
| Credit loss provision to net charge-offs | 148.9726% | 3,099 |
| Earnings coverage of net charge-offs (x) | -0.3027% | 5,955 |
| Efficiency ratio | 135.8621% | 474 |
| Assets per employee ($millions) | 0.9596% | 8,135 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.5604% | 166 |
| Loan loss allowance to noncurrent loans | 41.1966% | 5,616 |
| Noncurrent assets plus other real estate owned to assets | 7.7661% | 501 |
| Noncurrent loans to loans | 11.0698% | 271 |
| Net loans and leases to total assets | 63.5306% | 5,073 |
| Net loans and leases to deposits | 71.7194% | 5,773 |
| Net loans and leases to core deposits | 128.0820% | 1,707 |
| Total domestic deposits to total assets | 88.5821% | 1,489 |
| Equity capital to assets | 9.9029% | 4,079 |
| Core capital (leverage) ratio | 9.2227% | 4,275 |
| Tier 1 risk-based capital ratio | 13.1831% | 4,013 |
| Total risk-based capital ratio | 14.4682% | 3,907 |
| Memoranda: |
| Average total assets | $97,504,330 | 5,232 |
| Average earning assets | $87,410,000 | 5,284 |
| Average equity | $10,863,670 | 5,123 |
| Average total loans | $59,347,330 | 5,364 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5455% | 8,087 |
| Cost of funding earning assets | 3.2741% | 285 |
| Net interest margin | 0.2714% | 8,212 |
| Noninterest income to average assets | 4.1562% | 162 |
| Noninterest expense to average assets | 6.5892% | 229 |
| Loan and lease loss provision to assets | 2.3394% | 503 |
| Net operating income to assets | -2.7214% | 7,802 |
| Return on assets (ROA) | -2.7214% | 7,802 |
| Pretax return on assets | -4.5266% | 7,955 |
| Return on Equity (ROE) | -23.3221% | 7,815 |
| Retained earnings to average equity (ytd only) | -23.3221% | 7,728 |
| Net charge-offs to loans | 3.1223% | 410 |
| Credit loss provision to net charge-offs | 128.2051% | 3,117 |
| Earnings coverage of net charge-offs (x) | -1.1987% | 5,398 |
| Efficiency ratio | 149.6900% | 353 |
| Assets per employee ($millions) | 1.0505% | 8,182 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1025% | 1,229 |
| Loan loss allowance to noncurrent loans | 34.3227% | 6,251 |
| Noncurrent assets plus other real estate owned to assets | 4.4131% | 1,099 |
| Noncurrent loans to loans | 6.1257% | 770 |
| Net loans and leases to total assets | 63.7958% | 5,026 |
| Net loans and leases to deposits | 73.2700% | 5,576 |
| Net loans and leases to core deposits | 134.4552% | 1,391 |
| Total domestic deposits to total assets | 87.0695% | 2,178 |
| Equity capital to assets | 11.7599% | 2,404 |
| Core capital (leverage) ratio | 11.2482% | 2,306 |
| Tier 1 risk-based capital ratio | 16.0843% | 2,661 |
| Total risk-based capital ratio | 17.3428% | 2,596 |
| Memoranda: |
| Average total assets | $102,592,500 | 5,110 |
| Average earning assets | $92,851,000 | 5,120 |
| Average equity | $11,971,500 | 4,842 |
| Average total loans | $59,955,500 | 5,359 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6278% | 6,993 |
| Cost of funding earning assets | 3.0871% | 1,544 |
| Net interest margin | 2.5407% | 7,707 |
| Noninterest income to average assets | 4.0364% | 148 |
| Noninterest expense to average assets | 9.5054% | 154 |
| Loan and lease loss provision to assets | 4.0078% | 162 |
| Net operating income to assets | -4.3807% | 8,038 |
| Return on assets (ROA) | -4.3807% | 8,023 |
| Pretax return on assets | -7.2264% | 8,171 |
| Return on Equity (ROE) | -20.8199% | 7,778 |
| Retained earnings to average equity (ytd only) | -20.8199% | 7,700 |
| Net charge-offs to loans | 3.7037% | 207 |
| Credit loss provision to net charge-offs | 154.1932% | 3,384 |
| Earnings coverage of net charge-offs (x) | -1.2383% | 6,631 |
| Efficiency ratio | 151.1956% | 343 |
| Assets per employee ($millions) | 1.1445% | 8,221 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1977% | 950 |
| Loan loss allowance to noncurrent loans | 45.8678% | 5,723 |
| Noncurrent assets plus other real estate owned to assets | 2.5011% | 1,939 |
| Noncurrent loans to loans | 4.7913% | 954 |
| Net loans and leases to total assets | 51.0532% | 6,932 |
| Net loans and leases to deposits | 58.4003% | 7,182 |
| Net loans and leases to core deposits | 103.9703% | 4,399 |
| Total domestic deposits to total assets | 87.4194% | 1,744 |
| Equity capital to assets | 11.5846% | 2,579 |
| Core capital (leverage) ratio | 13.2625% | 1,454 |
| Tier 1 risk-based capital ratio | 19.5563% | 1,693 |
| Total risk-based capital ratio | 20.8156% | 1,646 |
| Memoranda: |
| Average total assets | $66,519,800 | 6,141 |
| Average earning assets | $58,921,800 | 6,223 |
| Average equity | $13,996,200 | 4,344 |
| Average total loans | $46,682,600 | 5,836 |
