| 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 | 3.5469% | 6,638 |
| Cost of funding earning assets | 0.5486% | 5,506 |
| Net interest margin | 2.9983% | 6,296 |
| Noninterest income to average assets | 0.4773% | 4,086 |
| Noninterest expense to average assets | 1.8712% | 6,692 |
| Loan and lease loss provision to assets | 0.0515% | 4,769 |
| Net operating income to assets | 0.9547% | 2,662 |
| Return on assets (ROA) | 0.9547% | 2,874 |
| Pretax return on assets | 1.3069% | 2,514 |
| Return on Equity (ROE) | 7.7458% | 3,388 |
| Retained earnings to average equity (ytd only) | 7.7458% | 2,074 |
| Net charge-offs to loans | -0.0435% | 6,484 |
| Credit loss provision to net charge-offs | -384.6154% | 5,732 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.9630% | 6,125 |
| Assets per employee ($millions) | 5.4858% | 1,705 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.7073% | 462 |
| Loan loss allowance to noncurrent loans | 85.0411% | 3,505 |
| Noncurrent assets plus other real estate owned to assets | 1.9276% | 3,008 |
| Noncurrent loans to loans | 4.3594% | 1,363 |
| Net loans and leases to total assets | 29.4161% | 6,931 |
| Net loans and leases to deposits | 41.9252% | 6,664 |
| Net loans and leases to core deposits | 54.6103% | 6,012 |
| Total domestic deposits to total assets | 70.1631% | 6,971 |
| Equity capital to assets | 12.6894% | 1,601 |
| Core capital (leverage) ratio | 8.7219% | 5,260 |
| Tier 1 risk-based capital ratio | 19.2586% | 1,917 |
| Total risk-based capital ratio | 20.5244% | 1,879 |
| Memoranda: |
| Average total assets | $776,825,000 | 853 |
| Average earning assets | $713,066,000 | 844 |
| Average equity | $95,742,000 | 740 |
| Average total loans | $238,916,500 | 1,728 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9783% | 6,492 |
| Cost of funding earning assets | 0.6347% | 5,899 |
| Net interest margin | 3.3436% | 5,669 |
| Noninterest income to average assets | 0.3657% | 4,891 |
| Noninterest expense to average assets | 4.2162% | 792 |
| Loan and lease loss provision to assets | 0.2587% | 3,624 |
| Net operating income to assets | -1.3617% | 6,874 |
| Return on assets (ROA) | -1.3617% | 6,892 |
| Pretax return on assets | -1.1060% | 6,777 |
| Return on Equity (ROE) | -10.0324% | 6,743 |
| Retained earnings to average equity (ytd only) | -14.4301% | 6,851 |
| Net charge-offs to loans | 1.5054% | 1,065 |
| Credit loss provision to net charge-offs | 50.7152% | 5,407 |
| Earnings coverage of net charge-offs (x) | -1.6614% | 6,262 |
| Efficiency ratio | 56.1304% | 6,301 |
| Assets per employee ($millions) | 5.6520% | 1,479 |
| Cash dividends to net income (ytd only)* | -43.8340% | 7,308 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.5245% | 520 |
| Loan loss allowance to noncurrent loans | 92.1324% | 3,258 |
| Noncurrent assets plus other real estate owned to assets | 1.8299% | 3,216 |
| Noncurrent loans to loans | 3.8254% | 1,639 |
| Net loans and leases to total assets | 29.8667% | 7,009 |
| Net loans and leases to deposits | 43.8036% | 6,728 |
| Net loans and leases to core deposits | 56.7589% | 6,099 |
| Total domestic deposits to total assets | 68.1831% | 7,067 |
| Equity capital to assets | 11.9683% | 2,151 |
| Core capital (leverage) ratio | 8.4900% | 5,577 |
| Tier 1 risk-based capital ratio | 18.2155% | 2,128 |
| Total risk-based capital ratio | 19.4802% | 2,092 |
| Memoranda: |
| Average total assets | $753,902,800 | 875 |
| Average earning assets | $677,151,200 | 880 |
| Average equity | $102,328,000 | 671 |
| Average total loans | $255,416,600 | 1,647 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0900% | 6,435 |
| Cost of funding earning assets | 0.6440% | 6,065 |
| Net interest margin | 3.4461% | 5,406 |
| Noninterest income to average assets | 0.3784% | 4,833 |
| Noninterest expense to average assets | 5.0362% | 361 |
| Loan and lease loss provision to assets | 0.3262% | 2,923 |
| Net operating income to assets | -2.1537% | 7,162 |
| Return on assets (ROA) | -2.1537% | 7,171 |
| Pretax return on assets | -1.9071% | 7,106 |
| Return on Equity (ROE) | -15.3887% | 7,023 |
| Retained earnings to average equity (ytd only) | -21.1355% | 7,094 |
| Net charge-offs to loans | 1.6987% | 813 |
| Credit loss provision to net charge-offs | 55.4206% | 4,911 |
| Earnings coverage of net charge-offs (x) | -2.6860% | 6,051 |
| Efficiency ratio | 55.7366% | 6,317 |
| Assets per employee ($millions) | 5.6068% | 1,498 |
| Cash dividends to net income (ytd only)* | -37.3444% | 7,377 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.6043% | 517 |
| Loan loss allowance to noncurrent loans | 84.8082% | 3,406 |
| Noncurrent assets plus other real estate owned to assets | 2.1274% | 3,002 |
| Noncurrent loans to loans | 4.2499% | 1,542 |
| Net loans and leases to total assets | 31.3323% | 7,043 |
| Net loans and leases to deposits | 46.0139% | 6,737 |
| Net loans and leases to core deposits | 61.1538% | 5,895 |
| Total domestic deposits to total assets | 68.0932% | 7,135 |
| Equity capital to assets | 12.2576% | 2,051 |
| Core capital (leverage) ratio | 8.3348% | 5,932 |
| Tier 1 risk-based capital ratio | 17.6816% | 2,369 |
| Total risk-based capital ratio | 18.9478% | 2,331 |
| Memoranda: |
| Average total assets | $745,970,000 | 891 |
| Average earning assets | $666,056,250 | 895 |
| Average equity | $104,403,250 | 664 |
| Average total loans | $258,467,000 | 1,644 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1208% | 6,446 |
| Cost of funding earning assets | 0.6277% | 6,325 |
| Net interest margin | 3.4931% | 5,191 |
| Noninterest income to average assets | 0.4140% | 4,561 |
| Noninterest expense to average assets | 2.0512% | 6,688 |
| Loan and lease loss provision to assets | 0.3926% | 2,455 |
| Net operating income to assets | 0.8340% | 2,926 |
| Return on assets (ROA) | 0.8340% | 3,042 |
| Pretax return on assets | 1.0593% | 3,013 |
| Return on Equity (ROE) | 5.7133% | 4,106 |
| Retained earnings to average equity (ytd only) | 0.1484% | 5,780 |
| Net charge-offs to loans | 2.0191% | 662 |
| Credit loss provision to net charge-offs | 54.9451% | 4,458 |
| Earnings coverage of net charge-offs (x) | 2.0318% | 3,843 |
| Efficiency ratio | 56.4582% | 6,372 |
| Assets per employee ($millions) | 5.3132% | 1,744 |
| Cash dividends to net income (ytd only)* | 97.4026% | 510 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.6199% | 550 |
| Loan loss allowance to noncurrent loans | 104.5291% | 2,750 |
| Noncurrent assets plus other real estate owned to assets | 2.0792% | 3,142 |
| Noncurrent loans to loans | 3.4631% | 2,043 |
| Net loans and leases to total assets | 32.7413% | 7,086 |
| Net loans and leases to deposits | 49.9312% | 6,602 |
| Net loans and leases to core deposits | 61.6667% | 5,926 |
| Total domestic deposits to total assets | 65.5728% | 7,270 |
| Equity capital to assets | 14.5341% | 930 |
| Core capital (leverage) ratio | 8.8115% | 5,027 |
| Tier 1 risk-based capital ratio | 17.3837% | 2,382 |
| Total risk-based capital ratio | 18.6506% | 2,345 |
| Memoranda: |
| Average total assets | $738,581,330 | 903 |
| Average earning assets | $653,174,000 | 925 |
| Average equity | $107,819,330 | 646 |
| Average total loans | $261,398,000 | 1,646 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0117% | 6,677 |
| Cost of funding earning assets | 0.6216% | 6,515 |
| Net interest margin | 3.3901% | 5,468 |
| Noninterest income to average assets | 0.3597% | 5,030 |
| Noninterest expense to average assets | 2.0087% | 6,821 |
| Loan and lease loss provision to assets | 0.5475% | 1,581 |
| Net operating income to assets | 0.6033% | 4,020 |
| Return on assets (ROA) | 0.6033% | 4,084 |
| Pretax return on assets | 0.7894% | 3,940 |
| Return on Equity (ROE) | 4.1234% | 4,836 |
| Retained earnings to average equity (ytd only) | -1.4892% | 6,069 |
| Net charge-offs to loans | 0.0849% | 4,101 |
| Credit loss provision to net charge-offs | 1,785.7143% | 222 |
| Earnings coverage of net charge-offs (x) | 43.6071% | 641 |
| Efficiency ratio | 57.7647% | 6,293 |
| Assets per employee ($millions) | 5.2851% | 1,786 |
| Cash dividends to net income (ytd only)* | 136.1162% | 382 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.3656% | 323 |
| Loan loss allowance to noncurrent loans | 101.1972% | 2,824 |
| Noncurrent assets plus other real estate owned to assets | 2.5282% | 2,701 |
| Noncurrent loans to loans | 4.3139% | 1,643 |
| Net loans and leases to total assets | 33.5448% | 7,108 |
| Net loans and leases to deposits | 53.2777% | 6,363 |
| Net loans and leases to core deposits | 64.2064% | 5,700 |
| Total domestic deposits to total assets | 62.9621% | 7,385 |
| Equity capital to assets | 14.3006% | 932 |
| Core capital (leverage) ratio | 9.1155% | 4,426 |
| Tier 1 risk-based capital ratio | 17.1847% | 2,406 |
| Total risk-based capital ratio | 18.4588% | 2,378 |
| Memoranda: |
| Average total assets | $730,635,500 | 915 |
| Average earning assets | $643,514,500 | 946 |
| Average equity | $106,901,000 | 648 |
| Average total loans | $263,946,000 | 1,649 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8332% | 5,301 |
| Cost of funding earning assets | 0.7373% | 6,770 |
| Net interest margin | 4.0959% | 2,579 |
| Noninterest income to average assets | 0.3560% | 5,267 |
| Noninterest expense to average assets | 2.3234% | 6,294 |
| Loan and lease loss provision to assets | 0.3260% | 4,205 |
| Net operating income to assets | 0.9007% | 2,381 |
| Return on assets (ROA) | 0.8661% | 2,667 |
| Pretax return on assets | 1.1816% | 2,287 |
| Return on Equity (ROE) | 5.3968% | 3,901 |
| Retained earnings to average equity (ytd only) | 2.5623% | 4,073 |
| Net charge-offs to loans | 0.9158% | 2,348 |
| Credit loss provision to net charge-offs | 83.3980% | 5,413 |
| Earnings coverage of net charge-offs (x) | 3.9775% | 3,116 |
| Efficiency ratio | 57.5970% | 6,386 |
| Assets per employee ($millions) | 4.9727% | 2,192 |
| Cash dividends to net income (ytd only)* | 52.5210% | 1,963 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.9275% | 428 |
| Loan loss allowance to noncurrent loans | 301.4689% | 1,019 |
| Noncurrent assets plus other real estate owned to assets | 1.7215% | 3,722 |
| Noncurrent loans to loans | 1.3028% | 4,536 |
| Net loans and leases to total assets | 35.7560% | 7,167 |
| Net loans and leases to deposits | 54.5963% | 6,559 |
| Net loans and leases to core deposits | 64.6632% | 6,004 |
| Total domestic deposits to total assets | 65.4916% | 7,402 |
| Equity capital to assets | 14.9754% | 794 |
| Core capital (leverage) ratio | 9.4245% | 3,810 |
| Tier 1 risk-based capital ratio | 17.6007% | 2,132 |
| Total risk-based capital ratio | 18.8724% | 2,090 |
| Memoranda: |
| Average total assets | $659,472,000 | 1,007 |
| Average earning assets | $567,098,600 | 1,069 |
| Average equity | $105,840,400 | 639 |
| Average total loans | $281,497,800 | 1,589 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9981% | 4,822 |
| Cost of funding earning assets | 0.7612% | 6,880 |
| Net interest margin | 4.2369% | 2,080 |
| Noninterest income to average assets | 0.2014% | 6,453 |
| Noninterest expense to average assets | 2.3487% | 6,177 |
| Loan and lease loss provision to assets | 0.4442% | 3,248 |
| Net operating income to assets | 0.7792% | 3,091 |
| Return on assets (ROA) | 0.7983% | 3,167 |
| Pretax return on assets | 1.0572% | 2,973 |
| Return on Equity (ROE) | 4.8837% | 4,351 |
| Retained earnings to average equity (ytd only) | 2.9878% | 4,344 |
| Net charge-offs to loans | 0.8512% | 2,318 |
| Credit loss provision to net charge-offs | 118.0670% | 3,513 |
| Earnings coverage of net charge-offs (x) | 3.9237% | 3,255 |
| Efficiency ratio | 58.9802% | 6,106 |
| Assets per employee ($millions) | 4.5723% | 2,788 |
| Cash dividends to net income (ytd only)* | 38.8199% | 2,144 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.0718% | 348 |
| Loan loss allowance to noncurrent loans | 170.8111% | 1,679 |
| Noncurrent assets plus other real estate owned to assets | 2.3336% | 3,045 |
| Noncurrent loans to loans | 2.3838% | 3,253 |
| Net loans and leases to total assets | 40.4422% | 7,053 |
| Net loans and leases to deposits | 58.5402% | 6,423 |
| Net loans and leases to core deposits | 69.9610% | 5,753 |
| Total domestic deposits to total assets | 69.0845% | 7,323 |
| Equity capital to assets | 16.4925% | 591 |
| Core capital (leverage) ratio | 10.1399% | 3,111 |
| Tier 1 risk-based capital ratio | 16.7656% | 2,425 |
| Total risk-based capital ratio | 18.0384% | 2,377 |
| Memoranda: |
| Average total assets | $645,322,500 | 1,046 |
| Average earning assets | $551,904,750 | 1,103 |
| Average equity | $105,492,000 | 632 |
| Average total loans | $285,246,000 | 1,583 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0664% | 4,633 |
| Cost of funding earning assets | 0.7623% | 7,027 |
| Net interest margin | 4.3041% | 1,761 |
| Noninterest income to average assets | 0.1040% | 7,082 |
| Noninterest expense to average assets | 2.3478% | 6,228 |
| Loan and lease loss provision to assets | 0.4514% | 3,066 |
| Net operating income to assets | 0.7503% | 3,197 |
| Return on assets (ROA) | 0.7567% | 3,324 |
| Pretax return on assets | 0.9849% | 3,174 |
| Return on Equity (ROE) | 4.6432% | 4,466 |
| Retained earnings to average equity (ytd only) | 4.6432% | 3,118 |
| Net charge-offs to loans | 0.6892% | 2,492 |
| Credit loss provision to net charge-offs | 145.8753% | 2,714 |
| Earnings coverage of net charge-offs (x) | 4.6147% | 2,898 |
| Efficiency ratio | 59.6916% | 6,099 |
| Assets per employee ($millions) | 4.4103% | 3,037 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.9993% | 381 |
| Loan loss allowance to noncurrent loans | 217.1194% | 1,290 |
| Noncurrent assets plus other real estate owned to assets | 2.4919% | 2,888 |
| Noncurrent loans to loans | 1.8420% | 3,946 |
| Net loans and leases to total assets | 42.3163% | 7,024 |
| Net loans and leases to deposits | 57.4861% | 6,616 |
| Net loans and leases to core deposits | 68.7144% | 5,997 |
| Total domestic deposits to total assets | 73.6112% | 7,027 |
| Equity capital to assets | 16.5874% | 587 |
| Core capital (leverage) ratio | 10.5769% | 2,563 |
| Tier 1 risk-based capital ratio | 16.6950% | 2,402 |
| Total risk-based capital ratio | 17.9680% | 2,341 |
| Memoranda: |
| Average total assets | $642,484,330 | 1,053 |
| Average earning assets | $548,083,330 | 1,111 |
| Average equity | $104,711,330 | 628 |
| Average total loans | $288,444,670 | 1,590 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1525% | 4,282 |
| Cost of funding earning assets | 0.7705% | 7,177 |
| Net interest margin | 4.3820% | 1,441 |
| Noninterest income to average assets | 0.4438% | 4,528 |
| Noninterest expense to average assets | 2.2805% | 6,441 |
| Loan and lease loss provision to assets | 0.4675% | 2,630 |
| Net operating income to assets | 0.9760% | 2,280 |
| Return on assets (ROA) | 0.9760% | 2,342 |
| Pretax return on assets | 1.4354% | 1,678 |
| Return on Equity (ROE) | 6.0426% | 3,860 |
| Retained earnings to average equity (ytd only) | 6.0426% | 2,602 |
| Net charge-offs to loans | 0.4622% | 2,658 |
| Credit loss provision to net charge-offs | 223.2143% | 1,694 |
| Earnings coverage of net charge-offs (x) | 9.0863% | 1,898 |
| Efficiency ratio | 52.1603% | 7,134 |
| Assets per employee ($millions) | 4.4217% | 3,091 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.9737% | 390 |
| Loan loss allowance to noncurrent loans | 311.8004% | 964 |
| Noncurrent assets plus other real estate owned to assets | 2.7479% | 2,646 |
| Noncurrent loans to loans | 1.2744% | 4,851 |
| Net loans and leases to total assets | 43.2213% | 7,049 |
| Net loans and leases to deposits | 66.3859% | 5,780 |
| Net loans and leases to core deposits | 74.4158% | 5,456 |
| Total domestic deposits to total assets | 65.1061% | 7,646 |
| Equity capital to assets | 16.6912% | 567 |
| Core capital (leverage) ratio | 10.1660% | 2,962 |
| Tier 1 risk-based capital ratio | 16.1246% | 2,604 |
| Total risk-based capital ratio | 17.3970% | 2,546 |
| Memoranda: |
| Average total assets | $641,777,000 | 1,080 |
| Average earning assets | $547,691,500 | 1,144 |
| Average equity | $103,664,000 | 640 |
| Average total loans | $290,754,500 | 1,619 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7686% | 2,785 |
| Cost of funding earning assets | 0.9851% | 7,235 |
| Net interest margin | 4.7836% | 714 |
| Noninterest income to average assets | 0.6791% | 3,090 |
| Noninterest expense to average assets | 2.5871% | 5,836 |
| Loan and lease loss provision to assets | 1.8046% | 1,251 |
| Net operating income to assets | 0.3310% | 4,409 |
| Return on assets (ROA) | 0.3310% | 4,500 |
| Pretax return on assets | 0.3826% | 4,543 |
| Return on Equity (ROE) | 2.0118% | 4,896 |
| Retained earnings to average equity (ytd only) | 1.6056% | 3,959 |
| Net charge-offs to loans | 1.8943% | 1,310 |
| Credit loss provision to net charge-offs | 182.5249% | 2,256 |
| Earnings coverage of net charge-offs (x) | 2.2123% | 4,062 |
| Efficiency ratio | 51.9091% | 7,393 |
| Assets per employee ($millions) | 4.6188% | 2,735 |
| Cash dividends to net income (ytd only)* | 20.1918% | 3,653 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.6694% | 460 |
| Loan loss allowance to noncurrent loans | 141.8620% | 2,015 |
| Noncurrent assets plus other real estate owned to assets | 2.5939% | 2,703 |
| Noncurrent loans to loans | 2.5866% | 2,972 |
| Net loans and leases to total assets | 43.9178% | 7,122 |
| Net loans and leases to deposits | 67.8941% | 5,846 |
| Net loans and leases to core deposits | 81.5008% | 5,957 |
| Total domestic deposits to total assets | 64.6858% | 7,684 |
| Equity capital to assets | 15.6298% | 762 |
| Core capital (leverage) ratio | 9.7411% | 3,395 |
| Tier 1 risk-based capital ratio | 14.9943% | 2,940 |
| Total risk-based capital ratio | 16.2636% | 2,884 |
| Memoranda: |
| Average total assets | $598,463,200 | 1,155 |
| Average earning assets | $512,357,400 | 1,228 |
| Average equity | $98,470,200 | 670 |
| Average total loans | $312,357,800 | 1,533 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.9183% | 2,362 |
| Cost of funding earning assets | 1.0490% | 7,286 |
| Net interest margin | 4.8693% | 597 |
| Noninterest income to average assets | 0.6957% | 3,043 |
| Noninterest expense to average assets | 2.6490% | 5,527 |
| Loan and lease loss provision to assets | 2.0617% | 861 |
| Net operating income to assets | 0.1893% | 5,195 |
| Return on assets (ROA) | 0.1893% | 5,270 |
| Pretax return on assets | 0.1506% | 5,413 |
| Return on Equity (ROE) | 1.1347% | 5,447 |
| Retained earnings to average equity (ytd only) | 0.5885% | 4,957 |
| Net charge-offs to loans | 2.1183% | 915 |
| Credit loss provision to net charge-offs | 180.1354% | 2,542 |
| Earnings coverage of net charge-offs (x) | 1.9329% | 4,368 |
| Efficiency ratio | 52.1815% | 7,397 |
| Assets per employee ($millions) | 4.2768% | 3,241 |
| Cash dividends to net income (ytd only)* | 48.1349% | 2,086 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.3561% | 477 |
| Loan loss allowance to noncurrent loans | 105.5077% | 2,645 |
| Noncurrent assets plus other real estate owned to assets | 3.0260% | 2,292 |
| Noncurrent loans to loans | 3.1809% | 2,376 |
| Net loans and leases to total assets | 48.2767% | 6,927 |
| Net loans and leases to deposits | 72.5170% | 5,577 |
| Net loans and leases to core deposits | 88.1519% | 5,629 |
| Total domestic deposits to total assets | 66.5729% | 7,656 |
| Equity capital to assets | 17.0679% | 624 |
| Core capital (leverage) ratio | 10.0745% | 3,206 |
| Tier 1 risk-based capital ratio | 15.3938% | 2,868 |
| Total risk-based capital ratio | 16.6617% | 2,805 |
| Memoranda: |
| Average total assets | $585,264,750 | 1,191 |
| Average earning assets | $500,673,750 | 1,270 |
| Average equity | $97,640,250 | 679 |
| Average total loans | $316,219,000 | 1,537 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.9700% | 2,299 |
| Cost of funding earning assets | 1.0807% | 7,411 |
| Net interest margin | 4.8893% | 551 |
| Noninterest income to average assets | 0.6994% | 2,998 |
| Noninterest expense to average assets | 2.7233% | 5,291 |
| Loan and lease loss provision to assets | 2.3417% | 678 |
| Net operating income to assets | -0.0114% | 5,869 |
| Return on assets (ROA) | -0.0114% | 5,939 |
| Pretax return on assets | -0.1732% | 6,088 |
| Return on Equity (ROE) | -0.0687% | 5,939 |
| Retained earnings to average equity (ytd only) | -0.9009% | 5,453 |
| Net charge-offs to loans | 2.8833% | 567 |
| Credit loss provision to net charge-offs | 146.5201% | 3,157 |
| Earnings coverage of net charge-offs (x) | 1.3568% | 4,512 |
| Efficiency ratio | 53.3333% | 7,400 |
| Assets per employee ($millions) | 4.0566% | 3,580 |
| Cash dividends to net income (ytd only)* | -1,212.1212% | 8,178 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.5960% | 828 |
| Loan loss allowance to noncurrent loans | 72.1437% | 3,836 |
| Noncurrent assets plus other real estate owned to assets | 2.3034% | 2,826 |
| Noncurrent loans to loans | 3.5984% | 1,940 |
| Net loans and leases to total assets | 51.7646% | 6,715 |
| Net loans and leases to deposits | 74.3384% | 5,409 |
| Net loans and leases to core deposits | 90.7902% | 5,472 |
| Total domestic deposits to total assets | 69.6337% | 7,506 |
| Equity capital to assets | 16.7018% | 710 |
| Core capital (leverage) ratio | 10.1893% | 3,109 |
| Tier 1 risk-based capital ratio | 14.6804% | 3,158 |
| Total risk-based capital ratio | 15.9416% | 3,090 |
| Memoranda: |
| Average total assets | $580,769,330 | 1,223 |
| Average earning assets | $497,990,330 | 1,297 |
| Average equity | $96,122,330 | 695 |
| Average total loans | $321,927,000 | 1,546 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.0661% | 2,086 |
| Cost of funding earning assets | 1.1493% | 7,418 |
| Net interest margin | 4.9168% | 484 |
| Noninterest income to average assets | 0.6128% | 3,453 |
| Noninterest expense to average assets | 2.7686% | 4,705 |
| Loan and lease loss provision to assets | 1.0434% | 1,251 |
| Net operating income to assets | 0.7506% | 3,348 |
| Return on assets (ROA) | 0.7506% | 3,523 |
| Pretax return on assets | 1.0267% | 3,260 |
| Return on Equity (ROE) | 4.5564% | 4,683 |
| Retained earnings to average equity (ytd only) | 2.8673% | 4,274 |
| Net charge-offs to loans | 0.6218% | 1,936 |
| Credit loss provision to net charge-offs | 296.4427% | 1,643 |
| Earnings coverage of net charge-offs (x) | 5.8814% | 2,589 |
| Efficiency ratio | 54.7872% | 7,135 |
| Assets per employee ($millions) | 3.9901% | 3,677 |
| Cash dividends to net income (ytd only)* | 37.0714% | 2,142 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1580% | 1,130 |
| Loan loss allowance to noncurrent loans | 46.3176% | 5,419 |
| Noncurrent assets plus other real estate owned to assets | 2.6080% | 2,198 |
| Noncurrent loans to loans | 4.6592% | 1,205 |
| Net loans and leases to total assets | 54.5248% | 6,408 |
| Net loans and leases to deposits | 76.9900% | 5,088 |
| Net loans and leases to core deposits | 92.4697% | 5,306 |
| Total domestic deposits to total assets | 70.8206% | 7,349 |
| Equity capital to assets | 16.1783% | 845 |
| Core capital (leverage) ratio | 9.5042% | 3,981 |
| Tier 1 risk-based capital ratio | 13.6410% | 3,776 |
| Total risk-based capital ratio | 14.8985% | 3,690 |
| Memoranda: |
| Average total assets | $575,021,000 | 1,237 |
| Average earning assets | $494,219,500 | 1,316 |
| Average equity | $94,724,000 | 702 |
| Average total loans | $325,513,000 | 1,542 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.6156% | 2,411 |
| Cost of funding earning assets | 1.5665% | 7,508 |
| Net interest margin | 5.0491% | 456 |
| Noninterest income to average assets | 0.7358% | 2,867 |
| Noninterest expense to average assets | 2.6382% | 5,499 |
| Loan and lease loss provision to assets | 0.3661% | 3,488 |
| Net operating income to assets | 1.3643% | 1,312 |
| Return on assets (ROA) | 1.3831% | 1,222 |
| Pretax return on assets | 2.1099% | 477 |
| Return on Equity (ROE) | 9.2300% | 2,556 |
| Retained earnings to average equity (ytd only) | 7.4794% | 990 |
| Net charge-offs to loans | 0.1069% | 5,220 |
| Credit loss provision to net charge-offs | 611.3139% | 700 |
| Earnings coverage of net charge-offs (x) | 40.8650% | 906 |
| Efficiency ratio | 49.4198% | 7,699 |
| Assets per employee ($millions) | 3.7984% | 3,961 |
| Cash dividends to net income (ytd only)* | 18.9663% | 4,483 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8745% | 1,475 |
| Loan loss allowance to noncurrent loans | 77.2947% | 4,232 |
| Noncurrent assets plus other real estate owned to assets | 1.3778% | 3,432 |
| Noncurrent loans to loans | 2.4252% | 2,259 |
| Net loans and leases to total assets | 55.5734% | 6,478 |
| Net loans and leases to deposits | 74.7491% | 5,768 |
| Net loans and leases to core deposits | 88.9653% | 5,894 |
| Total domestic deposits to total assets | 74.3466% | 6,590 |
| Equity capital to assets | 15.3164% | 1,083 |
| Core capital (leverage) ratio | 8.0780% | 6,360 |
| Tier 1 risk-based capital ratio | 12.5782% | 4,391 |
| Total risk-based capital ratio | 13.8328% | 4,288 |
| Memoranda: |
| Average total assets | $457,465,200 | 1,499 |
| Average earning assets | $394,127,000 | 1,580 |
| Average equity | $68,548,200 | 976 |
| Average total loans | $256,378,000 | 1,870 |
