Home > Anchor Bank > Performance and Condition Ratios
Anchor Bank, Performance and Condition Ratios
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5510% | 324 |
| Cost of funding earning assets | 1.0110% | 569 |
| Net interest margin | 4.5400% | 683 |
| Noninterest income to average assets | 0.6334% | 2,149 |
| Noninterest expense to average assets | 3.0978% | 1,774 |
| Loan and lease loss provision to assets | 0.0772% | 2,415 |
| Net operating income to assets | 1.2012% | 2,233 |
| Return on assets (ROA) | 1.2012% | 2,234 |
| Pretax return on assets | 1.5687% | 1,678 |
| Return on Equity (ROE) | 9.1381% | 3,026 |
| Retained earnings to average equity (ytd only) | 9.1381% | 1,169 |
| Net charge-offs to loans | -0.0058% | 4,249 |
| Credit loss provision to net charge-offs | -1,617.6471% | 4,715 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3033% | 2,984 |
| Assets per employee ($millions) | 5.1434% | 2,290 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1796% | 2,744 |
| Loan loss allowance to noncurrent loans | 497.7477% | 1,103 |
| Noncurrent assets plus other real estate owned to assets | 0.3408% | 3,308 |
| Noncurrent loans to loans | 0.2370% | 3,850 |
| Net loans and leases to total assets | 77.4139% | 1,430 |
| Net loans and leases to deposits | 99.5845% | 821 |
| Net loans and leases to core deposits | 111.0286% | 970 |
| Total domestic deposits to total assets | 77.7368% | 4,521 |
| Equity capital to assets | 13.4864% | 1,143 |
| Core capital (leverage) ratio | 13.8965% | 967 |
| Tier 1 risk-based capital ratio | 17.0733% | 2,080 |
| Total risk-based capital ratio | 18.2212% | 2,065 |
| Memoranda: | ||
| Average total assets | $474,865,500 | 1,476 |
| Average earning assets | $429,918,500 | 1,508 |
| Average equity | $62,418,250 | 1,281 |
| Average total loans | $394,144,750 | 1,276 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4884% | 320 |
| Cost of funding earning assets | 1.0101% | 457 |
| Net interest margin | 4.4783% | 728 |
| Noninterest income to average assets | 0.6755% | 1,972 |
| Noninterest expense to average assets | 3.2058% | 1,523 |
| Loan and lease loss provision to assets | 0.0950% | 2,031 |
| Net operating income to assets | 1.1378% | 2,444 |
| Return on assets (ROA) | 1.1378% | 2,449 |
| Pretax return on assets | 1.4215% | 2,080 |
| Return on Equity (ROE) | 8.7328% | 3,153 |
| Retained earnings to average equity (ytd only) | 8.7328% | 1,308 |
| Net charge-offs to loans | -0.0085% | 4,267 |
| Credit loss provision to net charge-offs | -1,323.5294% | 4,573 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8856% | 2,667 |
| Assets per employee ($millions) | 5.2716% | 2,130 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1018% | 3,248 |
| Loan loss allowance to noncurrent loans | 466.8803% | 1,154 |
| Noncurrent assets plus other real estate owned to assets | 0.3566% | 3,318 |
| Noncurrent loans to loans | 0.2360% | 3,866 |
| Net loans and leases to total assets | 83.6070% | 513 |
| Net loans and leases to deposits | 107.6827% | 364 |
| Net loans and leases to core deposits | 121.0022% | 542 |
| Total domestic deposits to total assets | 77.6421% | 4,643 |
| Equity capital to assets | 13.4241% | 1,129 |
| Core capital (leverage) ratio | 13.4766% | 1,072 |
| Tier 1 risk-based capital ratio | 15.5362% | 2,622 |
| Total risk-based capital ratio | 16.6144% | 2,633 |
| Memoranda: | ||
| Average total assets | $473,709,670 | 1,488 |
| Average earning assets | $428,067,000 | 1,522 |
| Average equity | $61,721,000 | 1,291 |
| Average total loans | $400,621,000 | 1,256 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3673% | 359 |
| Cost of funding earning assets | 0.9899% | 385 |
| Net interest margin | 4.3774% | 805 |
| Noninterest income to average assets | 0.7656% | 1,564 |
| Noninterest expense to average assets | 3.1321% | 1,735 |
| Loan and lease loss provision to assets | 0.1008% | 1,841 |
| Net operating income to assets | 1.2219% | 1,918 |
| Return on assets (ROA) | 1.2219% | 1,928 |
| Pretax return on assets | 1.4791% | 1,728 |
| Return on Equity (ROE) | 9.5203% | 2,668 |
| Retained earnings to average equity (ytd only) | 9.5203% | 1,302 |
| Net charge-offs to loans | -0.0089% | 4,204 |
| Credit loss provision to net charge-offs | -1,333.3333% | 4,214 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4705% | 3,087 |
| Assets per employee ($millions) | 5.1587% | 2,291 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0567% | 3,616 |
| Loan loss allowance to noncurrent loans | 365.0943% | 1,413 |
| Noncurrent assets plus other real estate owned to assets | 0.3967% | 3,245 |
| Noncurrent loans to loans | 0.2894% | 3,735 |
| Net loans and leases to total assets | 83.0855% | 528 |
| Net loans and leases to deposits | 109.1067% | 284 |
| Net loans and leases to core deposits | 121.6846% | 537 |
| Total domestic deposits to total assets | 76.1507% | 4,949 |
| Equity capital to assets | 12.8636% | 1,311 |
| Core capital (leverage) ratio | 13.1687% | 1,117 |
| Tier 1 risk-based capital ratio | 14.7332% | 3,013 |
| Total risk-based capital ratio | 15.7526% | 3,024 |
| Memoranda: | ||
| Average total assets | $475,979,000 | 1,488 |
| Average earning assets | $429,115,500 | 1,527 |
| Average equity | $61,090,500 | 1,309 |
| Average total loans | $402,616,500 | 1,253 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3139% | 354 |
| Cost of funding earning assets | 0.8971% | 377 |
| Net interest margin | 4.4168% | 735 |
| Noninterest income to average assets | 0.7114% | 1,913 |
| Noninterest expense to average assets | 3.3552% | 1,283 |
| Loan and lease loss provision to assets | 0.0739% | 2,725 |
| Net operating income to assets | 0.4267% | 4,603 |
| Return on assets (ROA) | 0.4267% | 4,625 |
| Pretax return on assets | 1.2470% | 2,569 |
| Return on Equity (ROE) | 3.2216% | 4,769 |
| Retained earnings to average equity (ytd only) | 0.4450% | 4,860 |
| Net charge-offs to loans | 0.0190% | 3,468 |
| Credit loss provision to net charge-offs | 465.7534% | 672 |
| Earnings coverage of net charge-offs (x) | 83.2055% | 744 |
| Efficiency ratio | 71.7515% | 2,263 |
| Assets per employee ($millions) | 5.0234% | 2,450 |
| Cash dividends to net income (ytd only)* | 86.1876% | 625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0259% | 3,765 |
| Loan loss allowance to noncurrent loans | 283.5165% | 1,730 |
| Noncurrent assets plus other real estate owned to assets | 1.0169% | 1,507 |
| Noncurrent loans to loans | 0.3619% | 3,473 |
| Net loans and leases to total assets | 84.3368% | 414 |
| Net loans and leases to deposits | 115.8000% | 154 |
| Net loans and leases to core deposits | 126.3515% | 424 |
| Total domestic deposits to total assets | 72.8297% | 5,271 |
| Equity capital to assets | 12.8053% | 1,353 |
| Core capital (leverage) ratio | 12.9491% | 1,163 |
| Tier 1 risk-based capital ratio | 14.0867% | 3,312 |
| Total risk-based capital ratio | 15.0556% | 3,380 |
| Memoranda: | ||
| Average total assets | $459,818,200 | 1,514 |
| Average earning assets | $412,768,800 | 1,556 |
| Average equity | $60,900,600 | 1,297 |
| Average total loans | $383,545,400 | 1,278 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2994% | 339 |
| Cost of funding earning assets | 0.8864% | 378 |
| Net interest margin | 4.4130% | 709 |
| Noninterest income to average assets | 0.7336% | 1,857 |
| Noninterest expense to average assets | 3.4109% | 1,135 |
| Loan and lease loss provision to assets | 0.0686% | 2,703 |
| Net operating income to assets | 0.8335% | 3,369 |
| Return on assets (ROA) | 0.8335% | 3,405 |
| Pretax return on assets | 1.2118% | 2,850 |
| Return on Equity (ROE) | 6.2394% | 4,015 |
| Retained earnings to average equity (ytd only) | 3.7698% | 3,678 |
| Net charge-offs to loans | 0.0278% | 2,878 |
| Credit loss provision to net charge-offs | 297.4684% | 997 |
| Earnings coverage of net charge-offs (x) | 55.5193% | 1,045 |
| Efficiency ratio | 72.7069% | 2,096 |
| Assets per employee ($millions) | 4.8402% | 2,649 |
| Cash dividends to net income (ytd only)* | 39.5797% | 2,305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0370% | 3,865 |
| Loan loss allowance to noncurrent loans | 274.3852% | 1,713 |
| Noncurrent assets plus other real estate owned to assets | 0.8964% | 1,908 |
| Noncurrent loans to loans | 0.3779% | 3,596 |
| Net loans and leases to total assets | 83.3711% | 504 |
| Net loans and leases to deposits | 108.1060% | 333 |
| Net loans and leases to core deposits | 117.8371% | 662 |
| Total domestic deposits to total assets | 77.1197% | 4,859 |
| Equity capital to assets | 13.4772% | 1,164 |
| Core capital (leverage) ratio | 13.3102% | 1,102 |
| Tier 1 risk-based capital ratio | 13.9660% | 3,461 |
| Total risk-based capital ratio | 14.8939% | 3,544 |
| Memoranda: | ||
| Average total assets | $456,722,000 | 1,536 |
| Average earning assets | $409,595,250 | 1,579 |
| Average equity | $61,009,000 | 1,304 |
| Average total loans | $378,839,500 | 1,298 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2856% | 343 |
| Cost of funding earning assets | 0.8622% | 380 |
| Net interest margin | 4.4234% | 673 |
| Noninterest income to average assets | 0.7136% | 1,928 |
| Noninterest expense to average assets | 3.5055% | 1,001 |
| Loan and lease loss provision to assets | 0.0702% | 2,569 |
| Net operating income to assets | 0.7606% | 3,588 |
| Return on assets (ROA) | 0.7606% | 3,639 |
| Pretax return on assets | 1.1056% | 3,149 |
| Return on Equity (ROE) | 5.7111% | 4,176 |
| Retained earnings to average equity (ytd only) | 3.6020% | 3,563 |
| Net charge-offs to loans | -0.0452% | 5,132 |
| Credit loss provision to net charge-offs | -188.2353% | 4,455 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8828% | 1,872 |
| Assets per employee ($millions) | 4.4823% | 3,140 |
| Cash dividends to net income (ytd only)* | 36.9302% | 2,474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0703% | 3,738 |
| Loan loss allowance to noncurrent loans | 338.4996% | 1,434 |
| Noncurrent assets plus other real estate owned to assets | 0.4505% | 3,308 |
| Noncurrent loans to loans | 0.3162% | 3,905 |
| Net loans and leases to total assets | 82.2047% | 640 |
| Net loans and leases to deposits | 108.4914% | 303 |
| Net loans and leases to core deposits | 117.5081% | 659 |
| Total domestic deposits to total assets | 75.7707% | 5,118 |
| Equity capital to assets | 13.3125% | 1,223 |
| Core capital (leverage) ratio | 13.0236% | 1,166 |
| Tier 1 risk-based capital ratio | 14.1485% | 3,342 |
| Total risk-based capital ratio | 15.1220% | 3,415 |
| Memoranda: | ||
| Average total assets | $455,689,330 | 1,540 |
| Average earning assets | $408,734,670 | 1,587 |
| Average equity | $60,688,330 | 1,312 |
| Average total loans | $375,994,670 | 1,312 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0716% | 465 |
| Cost of funding earning assets | 0.8270% | 424 |
| Net interest margin | 4.2445% | 893 |
| Noninterest income to average assets | 0.7033% | 1,953 |
| Noninterest expense to average assets | 3.4407% | 1,123 |
| Loan and lease loss provision to assets | 0.1193% | 1,602 |
| Net operating income to assets | 0.6653% | 3,854 |
| Return on assets (ROA) | 0.6653% | 3,895 |
| Pretax return on assets | 0.9525% | 3,579 |
| Return on Equity (ROE) | 4.9948% | 4,392 |
| Retained earnings to average equity (ytd only) | 3.2436% | 3,812 |
| Net charge-offs to loans | 0.0398% | 2,023 |
| Credit loss provision to net charge-offs | 364.8649% | 694 |
| Earnings coverage of net charge-offs (x) | 32.7838% | 1,163 |
| Efficiency ratio | 76.2483% | 1,874 |
| Assets per employee ($millions) | 4.3469% | 3,425 |
| Cash dividends to net income (ytd only)* | 35.0598% | 2,161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0300% | 4,099 |
| Loan loss allowance to noncurrent loans | 167.3996% | 2,579 |
| Noncurrent assets plus other real estate owned to assets | 0.5558% | 3,012 |
| Noncurrent loans to loans | 0.6153% | 2,981 |
| Net loans and leases to total assets | 81.7905% | 590 |
| Net loans and leases to deposits | 109.3648% | 231 |
| Net loans and leases to core deposits | 116.6242% | 570 |
| Total domestic deposits to total assets | 74.7869% | 5,351 |
| Equity capital to assets | 13.0396% | 1,242 |
| Core capital (leverage) ratio | 13.0943% | 1,103 |
| Tier 1 risk-based capital ratio | 13.6717% | 3,674 |
| Total risk-based capital ratio | 14.6054% | 3,777 |
| Memoranda: | ||
| Average total assets | $452,698,000 | 1,559 |
| Average earning assets | $406,264,000 | 1,606 |
| Average equity | $60,302,500 | 1,315 |
| Average total loans | $372,181,000 | 1,326 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0726% | 525 |
| Cost of funding earning assets | 0.7967% | 515 |
| Net interest margin | 4.2760% | 970 |
| Noninterest income to average assets | 0.7900% | 1,783 |
| Noninterest expense to average assets | 3.9209% | 671 |
| Loan and lease loss provision to assets | 0.0941% | 2,479 |
| Net operating income to assets | 0.4278% | 4,853 |
| Return on assets (ROA) | 0.4278% | 4,938 |
| Pretax return on assets | 0.5795% | 4,841 |
| Return on Equity (ROE) | 3.0801% | 5,137 |
| Retained earnings to average equity (ytd only) | 1.9863% | 4,415 |
| Net charge-offs to loans | 0.1218% | 2,041 |
| Credit loss provision to net charge-offs | 95.6938% | 2,684 |
| Earnings coverage of net charge-offs (x) | 6.8517% | 3,114 |
| Efficiency ratio | 85.3399% | 874 |
| Assets per employee ($millions) | 3.9665% | 4,033 |
| Cash dividends to net income (ytd only)* | 35.5140% | 3,094 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0726% | 3,874 |
| Loan loss allowance to noncurrent loans | 139.1351% | 2,962 |
| Noncurrent assets plus other real estate owned to assets | 0.6537% | 2,763 |
| Noncurrent loans to loans | 0.7709% | 2,600 |
| Net loans and leases to total assets | 80.8852% | 759 |
| Net loans and leases to deposits | 106.8117% | 310 |
| Net loans and leases to core deposits | 112.6444% | 749 |
| Total domestic deposits to total assets | 75.7269% | 5,268 |
| Equity capital to assets | 13.6177% | 1,003 |
| Core capital (leverage) ratio | 13.2982% | 1,030 |
| Tier 1 risk-based capital ratio | 14.2310% | 3,330 |
| Total risk-based capital ratio | 15.1899% | 3,411 |
| Memoranda: | ||
| Average total assets | $425,205,000 | 1,600 |
| Average earning assets | $378,323,000 | 1,645 |
| Average equity | $59,055,600 | 1,307 |
| Average total loans | $343,170,400 | 1,363 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0595% | 537 |
| Cost of funding earning assets | 0.7882% | 539 |
| Net interest margin | 4.2713% | 977 |
| Noninterest income to average assets | 0.8071% | 1,737 |
| Noninterest expense to average assets | 3.9622% | 617 |
| Loan and lease loss provision to assets | 0.1028% | 2,202 |
| Net operating income to assets | 0.4091% | 4,986 |
| Return on assets (ROA) | 0.4091% | 5,078 |
| Pretax return on assets | 0.5359% | 5,049 |
| Return on Equity (ROE) | 2.9304% | 5,240 |
| Retained earnings to average equity (ytd only) | 2.2301% | 4,582 |
| Net charge-offs to loans | 0.1495% | 1,501 |
| Credit loss provision to net charge-offs | 85.5263% | 2,594 |
| Earnings coverage of net charge-offs (x) | 5.3132% | 3,149 |
| Efficiency ratio | 86.1170% | 811 |
| Assets per employee ($millions) | 3.8258% | 4,261 |
| Cash dividends to net income (ytd only)* | 23.8979% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0745% | 3,991 |
| Loan loss allowance to noncurrent loans | 155.5736% | 2,719 |
| Noncurrent assets plus other real estate owned to assets | 0.6257% | 3,037 |
| Noncurrent loans to loans | 0.6906% | 2,964 |
| Net loans and leases to total assets | 80.7255% | 796 |
| Net loans and leases to deposits | 113.8070% | 187 |
| Net loans and leases to core deposits | 120.7574% | 482 |
| Total domestic deposits to total assets | 70.9319% | 5,647 |
| Equity capital to assets | 13.7297% | 1,152 |
| Core capital (leverage) ratio | 13.2873% | 1,074 |
| Tier 1 risk-based capital ratio | 14.3275% | 3,382 |
| Total risk-based capital ratio | 15.2939% | 3,461 |
| Memoranda: | ||
| Average total assets | $421,436,000 | 1,612 |
| Average earning assets | $374,335,750 | 1,661 |
| Average equity | $58,830,500 | 1,323 |
| Average total loans | $338,967,250 | 1,380 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0054% | 588 |
| Cost of funding earning assets | 0.7787% | 545 |
| Net interest margin | 4.2267% | 1,065 |
| Noninterest income to average assets | 0.7855% | 1,781 |
| Noninterest expense to average assets | 4.0755% | 547 |
| Loan and lease loss provision to assets | 0.1200% | 1,897 |
| Net operating income to assets | 0.2967% | 5,334 |
| Return on assets (ROA) | 0.2967% | 5,421 |
| Pretax return on assets | 0.3404% | 5,435 |
| Return on Equity (ROE) | 2.1135% | 5,481 |
| Retained earnings to average equity (ytd only) | 1.7442% | 4,690 |
| Net charge-offs to loans | 0.2100% | 1,115 |
| Credit loss provision to net charge-offs | 71.4286% | 2,459 |
| Earnings coverage of net charge-offs (x) | 2.7400% | 3,217 |
| Efficiency ratio | 89.8486% | 610 |
| Assets per employee ($millions) | 4.0277% | 3,854 |
| Cash dividends to net income (ytd only)* | 17.4757% | 3,268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0704% | 4,109 |
| Loan loss allowance to noncurrent loans | 191.6329% | 2,368 |
| Noncurrent assets plus other real estate owned to assets | 0.5441% | 3,399 |
| Noncurrent loans to loans | 0.5586% | 3,393 |
| Net loans and leases to total assets | 81.0442% | 743 |
| Net loans and leases to deposits | 114.4584% | 170 |
| Net loans and leases to core deposits | 121.3184% | 481 |
| Total domestic deposits to total assets | 70.8067% | 5,738 |
| Equity capital to assets | 13.7828% | 1,108 |
| Core capital (leverage) ratio | 13.5159% | 975 |
| Tier 1 risk-based capital ratio | 14.6918% | 3,208 |
| Total risk-based capital ratio | 15.6804% | 3,286 |
| Memoranda: | ||
| Average total assets | $416,534,000 | 1,628 |
| Average earning assets | $369,600,670 | 1,687 |
| Average equity | $58,480,330 | 1,331 |
| Average total loans | $333,322,330 | 1,401 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9373% | 656 |
| Cost of funding earning assets | 0.7710% | 577 |
| Net interest margin | 4.1662% | 1,182 |
| Noninterest income to average assets | 0.8199% | 1,557 |
| Noninterest expense to average assets | 4.1464% | 526 |
| Loan and lease loss provision to assets | 0.0733% | 2,493 |
| Net operating income to assets | 0.2121% | 5,506 |
| Return on assets (ROA) | 0.2121% | 5,571 |
| Pretax return on assets | 0.2912% | 5,522 |
| Return on Equity (ROE) | 1.4960% | 5,619 |
| Retained earnings to average equity (ytd only) | 1.4960% | 4,673 |
| Net charge-offs to loans | -0.0247% | 4,977 |
| Credit loss provision to net charge-offs | -375.0000% | 4,472 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.9194% | 557 |
| Assets per employee ($millions) | 3.8156% | 4,271 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1989% | 3,488 |
| Loan loss allowance to noncurrent loans | 152.6114% | 2,729 |
| Noncurrent assets plus other real estate owned to assets | 0.7319% | 2,886 |
| Noncurrent loans to loans | 0.7856% | 2,873 |
| Net loans and leases to total assets | 78.0295% | 1,094 |
| Net loans and leases to deposits | 105.3915% | 363 |
| Net loans and leases to core deposits | 111.6025% | 771 |
| Total domestic deposits to total assets | 74.0377% | 5,608 |
| Equity capital to assets | 13.9349% | 1,010 |
| Core capital (leverage) ratio | 13.8265% | 855 |
| Tier 1 risk-based capital ratio | 15.4277% | 2,958 |
| Total risk-based capital ratio | 16.5416% | 2,963 |
| Memoranda: | ||
| Average total assets | $409,318,500 | 1,650 |
| Average earning assets | $362,630,000 | 1,716 |
| Average equity | $58,021,000 | 1,333 |
| Average total loans | $323,458,000 | 1,433 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1692% | 453 |
| Cost of funding earning assets | 0.8465% | 378 |
| Net interest margin | 4.3226% | 922 |
| Noninterest income to average assets | 0.8307% | 1,670 |
| Noninterest expense to average assets | 4.1581% | 562 |
| Loan and lease loss provision to assets | 0.0235% | 3,913 |
| Net operating income to assets | 0.3587% | 5,184 |
| Return on assets (ROA) | 0.3587% | 5,268 |
| Pretax return on assets | 0.4172% | 5,286 |
| Return on Equity (ROE) | 2.3297% | 5,491 |
| Retained earnings to average equity (ytd only) | -7.0994% | 5,983 |
| Net charge-offs to loans | 0.0726% | 2,794 |
| Credit loss provision to net charge-offs | 42.6540% | 3,499 |
| Earnings coverage of net charge-offs (x) | 7.9953% | 3,013 |
| Efficiency ratio | 90.4175% | 668 |
| Assets per employee ($millions) | 3.7282% | 4,417 |
| Cash dividends to net income (ytd only)* | 404.7342% | 29 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2297% | 3,297 |
| Loan loss allowance to noncurrent loans | 144.1472% | 2,901 |
| Noncurrent assets plus other real estate owned to assets | 0.8405% | 2,567 |
| Noncurrent loans to loans | 0.8531% | 2,648 |
| Net loans and leases to total assets | 78.1009% | 1,104 |
| Net loans and leases to deposits | 100.8083% | 624 |
| Net loans and leases to core deposits | 107.0167% | 1,045 |
| Total domestic deposits to total assets | 77.4747% | 5,245 |
| Equity capital to assets | 14.4277% | 786 |
| Core capital (leverage) ratio | 14.3217% | 750 |
| Tier 1 risk-based capital ratio | 16.0249% | 2,675 |
| Total risk-based capital ratio | 17.1713% | 2,664 |
| Memoranda: | ||
| Average total assets | $382,820,400 | 1,716 |
| Average earning assets | $333,710,000 | 1,816 |
| Average equity | $58,934,400 | 1,277 |
| Average total loans | $290,804,000 | 1,501 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2393% | 415 |
| Cost of funding earning assets | 0.8579% | 366 |
| Net interest margin | 4.3815% | 828 |
| Noninterest income to average assets | 0.8163% | 1,745 |
| Noninterest expense to average assets | 4.0242% | 649 |
| Loan and lease loss provision to assets | 0.0070% | 4,117 |
| Net operating income to assets | 0.5079% | 4,757 |
| Return on assets (ROA) | 0.5079% | 4,848 |
| Pretax return on assets | 0.5889% | 5,002 |
| Return on Equity (ROE) | 3.2456% | 5,301 |
| Retained earnings to average equity (ytd only) | -8.7538% | 6,106 |
| Net charge-offs to loans | 0.1560% | 1,579 |
| Credit loss provision to net charge-offs | 6.0060% | 3,479 |
| Earnings coverage of net charge-offs (x) | 5.0841% | 3,253 |
| Efficiency ratio | 87.1019% | 929 |
| Assets per employee ($millions) | 3.4006% | 4,980 |
| Cash dividends to net income (ytd only)* | 369.7165% | 29 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2773% | 3,222 |
| Loan loss allowance to noncurrent loans | 160.5836% | 2,678 |
| Noncurrent assets plus other real estate owned to assets | 0.6821% | 3,207 |
| Noncurrent loans to loans | 0.7954% | 2,971 |
| Net loans and leases to total assets | 74.8240% | 1,579 |
| Net loans and leases to deposits | 92.4161% | 1,363 |
| Net loans and leases to core deposits | 97.8704% | 1,707 |
| Total domestic deposits to total assets | 80.9643% | 4,484 |
| Equity capital to assets | 15.0574% | 726 |
| Core capital (leverage) ratio | 14.3312% | 777 |
| Tier 1 risk-based capital ratio | 17.0147% | 2,374 |
| Total risk-based capital ratio | 18.1791% | 2,352 |
| Memoranda: | ||
| Average total assets | $378,795,500 | 1,744 |
| Average earning assets | $328,863,000 | 1,855 |
| Average equity | $59,279,250 | 1,283 |
| Average total loans | $284,645,250 | 1,538 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3295% | 349 |
| Cost of funding earning assets | 0.8645% | 342 |
| Net interest margin | 4.4650% | 675 |
| Noninterest income to average assets | 0.7506% | 1,988 |
| Noninterest expense to average assets | 4.0417% | 643 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.5401% | 4,604 |
| Return on assets (ROA) | 0.5401% | 4,714 |
| Pretax return on assets | 0.5665% | 5,059 |
| Return on Equity (ROE) | 3.4077% | 5,267 |
| Retained earnings to average equity (ytd only) | -13.2804% | 6,219 |
| Net charge-offs to loans | 0.1970% | 1,272 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 3.8387% | 3,129 |
| Efficiency ratio | 87.7066% | 926 |
| Assets per employee ($millions) | 3.3237% | 5,120 |
| Cash dividends to net income (ytd only)* | 489.7160% | 21 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2930% | 3,281 |
| Loan loss allowance to noncurrent loans | 185.1244% | 2,374 |
| Noncurrent assets plus other real estate owned to assets | 0.7408% | 3,162 |
| Noncurrent loans to loans | 0.6985% | 3,397 |
| Net loans and leases to total assets | 74.9680% | 1,507 |
| Net loans and leases to deposits | 92.6206% | 1,303 |
| Net loans and leases to core deposits | 97.8569% | 1,665 |
| Total domestic deposits to total assets | 80.9410% | 4,628 |
| Equity capital to assets | 15.0860% | 688 |
| Core capital (leverage) ratio | 14.3289% | 753 |
| Tier 1 risk-based capital ratio | 16.2291% | 2,744 |
| Total risk-based capital ratio | 17.3557% | 2,758 |
| Memoranda: | ||
| Average total assets | $378,106,330 | 1,758 |
| Average earning assets | $326,671,000 | 1,883 |
| Average equity | $59,923,000 | 1,282 |
| Average total loans | $283,305,670 | 1,542 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1307% | 463 |
| Cost of funding earning assets | 0.8588% | 363 |
| Net interest margin | 4.2718% | 938 |
| Noninterest income to average assets | 0.8398% | 1,575 |
| Noninterest expense to average assets | 3.9851% | 706 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.3707% | 5,184 |
| Return on assets (ROA) | 0.3707% | 5,303 |
| Pretax return on assets | 0.5263% | 5,109 |
| Return on Equity (ROE) | 2.2837% | 5,615 |
| Retained earnings to average equity (ytd only) | 2.2837% | 4,546 |
| Net charge-offs to loans | 0.2590% | 926 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 2.7308% | 2,709 |
| Efficiency ratio | 88.3333% | 993 |
| Assets per employee ($millions) | 3.3756% | 5,122 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3561% | 3,117 |
| Loan loss allowance to noncurrent loans | 146.1156% | 2,845 |
| Noncurrent assets plus other real estate owned to assets | 0.8699% | 2,903 |
| Noncurrent loans to loans | 0.9281% | 2,923 |
| Net loans and leases to total assets | 73.4611% | 1,572 |
| Net loans and leases to deposits | 92.1988% | 1,161 |
| Net loans and leases to core deposits | 97.4023% | 1,527 |
| Total domestic deposits to total assets | 79.6768% | 5,129 |
| Equity capital to assets | 16.2824% | 511 |
| Core capital (leverage) ratio | 16.3034% | 432 |
| Tier 1 risk-based capital ratio | 19.0060% | 1,865 |
| Total risk-based capital ratio | 20.2071% | 1,843 |
| Memoranda: | ||
| Average total assets | $377,706,000 | 1,763 |
| Average earning assets | $324,637,000 | 1,900 |
| Average equity | $61,303,500 | 1,243 |
| Average total loans | $281,068,500 | 1,553 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2667% | 466 |
| Cost of funding earning assets | 1.0204% | 209 |
| Net interest margin | 4.2463% | 1,173 |
| Noninterest income to average assets | 0.8746% | 1,588 |
| Noninterest expense to average assets | 4.1693% | 621 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 2.5435% | 135 |
| Return on assets (ROA) | 2.5556% | 133 |
| Pretax return on assets | 0.4052% | 5,473 |
| Return on Equity (ROE) | 18.3730% | 366 |
| Retained earnings to average equity (ytd only) | 18.3730% | 81 |
| Net charge-offs to loans | 0.0971% | 3,117 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 5.5788% | 3,396 |
| Efficiency ratio | 91.3853% | 753 |
| Assets per employee ($millions) | 3.4344% | 5,002 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4256% | 2,818 |
| Loan loss allowance to noncurrent loans | 164.7446% | 2,609 |
| Noncurrent assets plus other real estate owned to assets | 0.8015% | 3,205 |
| Noncurrent loans to loans | 0.8653% | 3,155 |
| Net loans and leases to total assets | 73.2128% | 1,720 |
| Net loans and leases to deposits | 91.7646% | 1,313 |
| Net loans and leases to core deposits | 96.9270% | 1,644 |
| Total domestic deposits to total assets | 79.7833% | 5,072 |
| Equity capital to assets | 16.2761% | 504 |
| Core capital (leverage) ratio | 16.3374% | 436 |
| Tier 1 risk-based capital ratio | 19.5231% | 1,722 |
| Total risk-based capital ratio | 20.7732% | 1,689 |
| Memoranda: | ||
| Average total assets | $387,495,200 | 1,688 |
| Average earning assets | $336,528,400 | 1,780 |
| Average equity | $53,899,800 | 1,354 |
| Average total loans | $281,149,800 | 1,514 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2222% | 496 |
| Cost of funding earning assets | 1.0236% | 225 |
| Net interest margin | 4.1986% | 1,294 |
| Noninterest income to average assets | 0.8784% | 1,594 |
| Noninterest expense to average assets | 4.2038% | 608 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.3327% | 5,486 |
| Return on assets (ROA) | 0.3488% | 5,501 |
| Pretax return on assets | 0.3488% | 5,680 |
| Return on Equity (ROE) | 2.6152% | 5,674 |
| Retained earnings to average equity (ytd only) | 2.6152% | 4,725 |
| Net charge-offs to loans | 0.1322% | 2,472 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 3.4875% | 3,652 |
| Efficiency ratio | 92.6660% | 663 |
| Assets per employee ($millions) | 3.3845% | 5,070 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4202% | 3,080 |
| Loan loss allowance to noncurrent loans | 160.6597% | 2,574 |
| Noncurrent assets plus other real estate owned to assets | 2.2233% | 1,241 |
| Noncurrent loans to loans | 0.8840% | 3,362 |
| Net loans and leases to total assets | 71.8529% | 1,877 |
| Net loans and leases to deposits | 89.3907% | 1,492 |
| Net loans and leases to core deposits | 94.4437% | 1,812 |
| Total domestic deposits to total assets | 80.3807% | 4,990 |
| Equity capital to assets | 13.6571% | 1,120 |
| Core capital (leverage) ratio | 13.7824% | 902 |
| Tier 1 risk-based capital ratio | 17.0381% | 2,607 |
| Total risk-based capital ratio | 18.2882% | 2,557 |
| Memoranda: | ||
| Average total assets | $389,923,750 | 1,693 |
| Average earning assets | $339,721,250 | 1,774 |
| Average equity | $52,002,750 | 1,410 |
| Average total loans | $281,291,250 | 1,519 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2696% | 454 |
| Cost of funding earning assets | 1.0216% | 232 |
| Net interest margin | 4.2481% | 1,139 |
| Noninterest income to average assets | 0.9154% | 1,443 |
| Noninterest expense to average assets | 4.1969% | 602 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.4232% | 5,124 |
| Return on assets (ROA) | 0.4232% | 5,207 |
| Pretax return on assets | 0.4232% | 5,495 |
| Return on Equity (ROE) | 3.1986% | 5,458 |
| Retained earnings to average equity (ytd only) | 3.1986% | 4,166 |
| Net charge-offs to loans | -0.2495% | 6,397 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.8397% | 846 |
| Assets per employee ($millions) | 3.1642% | 5,480 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6163% | 2,404 |
| Loan loss allowance to noncurrent loans | 98.0908% | 3,678 |
| Noncurrent assets plus other real estate owned to assets | 2.5131% | 1,129 |
| Noncurrent loans to loans | 1.6477% | 2,112 |
| Net loans and leases to total assets | 72.3206% | 1,684 |
| Net loans and leases to deposits | 89.6995% | 1,400 |
| Net loans and leases to core deposits | 94.7812% | 1,704 |
| Total domestic deposits to total assets | 80.6254% | 5,090 |
| Equity capital to assets | 13.5238% | 1,148 |
| Core capital (leverage) ratio | 13.6049% | 949 |
| Tier 1 risk-based capital ratio | 16.7657% | 2,721 |
| Total risk-based capital ratio | 18.0182% | 2,688 |
| Memoranda: | ||
| Average total assets | $391,288,330 | 1,688 |
| Average earning assets | $341,237,670 | 1,761 |
| Average equity | $51,772,670 | 1,403 |
| Average total loans | $281,313,670 | 1,516 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3780% | 360 |
| Cost of funding earning assets | 1.0158% | 255 |
| Net interest margin | 4.3622% | 872 |
| Noninterest income to average assets | 0.7392% | 1,994 |
| Noninterest expense to average assets | 4.0996% | 684 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.4486% | 4,938 |
| Return on assets (ROA) | 0.4486% | 5,009 |
| Pretax return on assets | 0.4486% | 5,313 |
| Return on Equity (ROE) | 3.4280% | 5,308 |
| Retained earnings to average equity (ytd only) | 3.4280% | 4,077 |
| Net charge-offs to loans | 0.1090% | 2,089 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 5.7895% | 2,331 |
| Efficiency ratio | 90.1367% | 1,025 |
| Assets per employee ($millions) | 3.3609% | 5,230 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4991% | 3,144 |
| Loan loss allowance to noncurrent loans | 88.0797% | 3,938 |
| Noncurrent assets plus other real estate owned to assets | 2.6178% | 1,181 |
| Noncurrent loans to loans | 1.7020% | 2,284 |
| Net loans and leases to total assets | 70.1301% | 1,866 |
| Net loans and leases to deposits | 86.6741% | 1,510 |
| Net loans and leases to core deposits | 91.5040% | 1,779 |
| Total domestic deposits to total assets | 80.9123% | 5,255 |
| Equity capital to assets | 13.1501% | 1,233 |
| Core capital (leverage) ratio | 13.4826% | 978 |
| Tier 1 risk-based capital ratio | 17.0139% | 2,681 |
| Total risk-based capital ratio | 18.2652% | 2,637 |
| Memoranda: | ||
| Average total assets | $392,335,000 | 1,697 |
| Average earning assets | $342,578,500 | 1,759 |
| Average equity | $51,342,000 | 1,410 |
| Average total loans | $278,924,500 | 1,535 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8485% | 1,199 |
| Cost of funding earning assets | 1.0988% | 288 |
| Net interest margin | 3.7497% | 2,848 |
| Noninterest income to average assets | 0.3615% | 4,717 |
| Noninterest expense to average assets | 3.7867% | 1,161 |
| Loan and lease loss provision to assets | 0.0516% | 4,103 |
| Net operating income to assets | -0.1702% | 6,350 |
| Return on assets (ROA) | -0.1541% | 6,356 |
| Pretax return on assets | -0.1541% | 6,327 |
| Return on Equity (ROE) | -1.2978% | 6,344 |
| Retained earnings to average equity (ytd only) | -1.2978% | 6,103 |
| Net charge-offs to loans | 0.3869% | 1,746 |
| Credit loss provision to net charge-offs | 20.3804% | 4,442 |
| Earnings coverage of net charge-offs (x) | -0.4683% | 5,190 |
| Efficiency ratio | 103.2331% | 390 |
| Assets per employee ($millions) | 3.1568% | 5,574 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5377% | 3,021 |
| Loan loss allowance to noncurrent loans | 69.0307% | 4,516 |
| Noncurrent assets plus other real estate owned to assets | 2.8620% | 1,127 |
| Noncurrent loans to loans | 2.2276% | 1,742 |
| Net loans and leases to total assets | 69.8975% | 2,026 |
| Net loans and leases to deposits | 86.0424% | 1,682 |
| Net loans and leases to core deposits | 90.7399% | 1,934 |
| Total domestic deposits to total assets | 81.2360% | 5,110 |
| Equity capital to assets | 13.0221% | 1,261 |
| Core capital (leverage) ratio | 13.1703% | 1,070 |
| Tier 1 risk-based capital ratio | 17.2665% | 2,505 |
| Total risk-based capital ratio | 18.4873% | 2,488 |
| Memoranda: | ||
| Average total assets | $435,945,000 | 1,518 |
| Average earning assets | $384,429,800 | 1,572 |
| Average equity | $51,781,200 | 1,370 |
| Average total loans | $285,349,200 | 1,484 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8104% | 1,326 |
| Cost of funding earning assets | 1.1170% | 283 |
| Net interest margin | 3.6934% | 3,053 |
| Noninterest income to average assets | 0.3403% | 4,972 |
| Noninterest expense to average assets | 3.7124% | 1,227 |
| Loan and lease loss provision to assets | 0.0671% | 3,712 |
| Net operating income to assets | -0.1771% | 6,451 |
| Return on assets (ROA) | -0.1563% | 6,466 |
| Pretax return on assets | -0.1563% | 6,448 |
| Return on Equity (ROE) | -1.3440% | 6,444 |
| Retained earnings to average equity (ytd only) | -1.3440% | 6,176 |
| Net charge-offs to loans | 0.2024% | 2,613 |
| Credit loss provision to net charge-offs | 51.6055% | 3,462 |
| Earnings coverage of net charge-offs (x) | -0.8463% | 4,995 |
| Efficiency ratio | 103.0549% | 377 |
| Assets per employee ($millions) | 3.2537% | 5,375 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7303% | 2,519 |
| Loan loss allowance to noncurrent loans | 79.9903% | 4,071 |
| Noncurrent assets plus other real estate owned to assets | 2.9601% | 1,253 |
| Noncurrent loans to loans | 2.1632% | 2,045 |
| Net loans and leases to total assets | 69.5514% | 2,037 |
| Net loans and leases to deposits | 85.2815% | 1,709 |
| Net loans and leases to core deposits | 89.6670% | 2,007 |
| Total domestic deposits to total assets | 81.5550% | 5,064 |
| Equity capital to assets | 12.7158% | 1,469 |
| Core capital (leverage) ratio | 11.9307% | 1,714 |
| Tier 1 risk-based capital ratio | 16.9150% | 2,747 |
| Total risk-based capital ratio | 18.1691% | 2,706 |
| Memoranda: | ||
| Average total assets | $447,070,750 | 1,491 |
| Average earning assets | $394,857,500 | 1,541 |
| Average equity | $51,983,000 | 1,377 |
| Average total loans | $287,216,250 | 1,479 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6736% | 1,637 |
| Cost of funding earning assets | 1.1043% | 330 |
| Net interest margin | 3.5693% | 3,485 |
| Noninterest income to average assets | 0.3029% | 5,284 |
| Noninterest expense to average assets | 3.6616% | 1,311 |
| Loan and lease loss provision to assets | 0.0975% | 3,164 |
| Net operating income to assets | -0.2968% | 6,547 |
| Return on assets (ROA) | -0.2665% | 6,558 |
| Pretax return on assets | -0.2665% | 6,535 |
| Return on Equity (ROE) | -2.3559% | 6,541 |
| Retained earnings to average equity (ytd only) | -2.3559% | 6,230 |
| Net charge-offs to loans | 0.1598% | 2,824 |
| Credit loss provision to net charge-offs | 97.8261% | 2,289 |
| Earnings coverage of net charge-offs (x) | -2.0000% | 4,768 |
| Efficiency ratio | 105.7565% | 353 |
| Assets per employee ($millions) | 3.3775% | 5,123 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8215% | 2,362 |
| Loan loss allowance to noncurrent loans | 83.5688% | 3,924 |
| Noncurrent assets plus other real estate owned to assets | 2.7334% | 1,517 |
| Noncurrent loans to loans | 2.1796% | 2,202 |
| Net loans and leases to total assets | 61.2992% | 3,424 |
| Net loans and leases to deposits | 83.6655% | 1,842 |
| Net loans and leases to core deposits | 88.1020% | 2,093 |
| Total domestic deposits to total assets | 73.2670% | 6,491 |
| Equity capital to assets | 11.2643% | 2,507 |
| Core capital (leverage) ratio | 11.4284% | 1,998 |
| Tier 1 risk-based capital ratio | 16.7439% | 2,817 |
| Total risk-based capital ratio | 17.9695% | 2,801 |
| Memoranda: | ||
| Average total assets | $461,607,670 | 1,438 |
| Average earning assets | $408,593,000 | 1,491 |
| Average equity | $52,209,670 | 1,374 |
| Average total loans | $287,770,670 | 1,468 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0089% | 873 |
| Cost of funding earning assets | 1.1128% | 353 |
| Net interest margin | 3.8962% | 2,132 |
| Noninterest income to average assets | 0.4746% | 3,965 |
| Noninterest expense to average assets | 3.6523% | 1,332 |
| Loan and lease loss provision to assets | 0.1931% | 1,914 |
| Net operating income to assets | 0.0875% | 6,171 |
| Return on assets (ROA) | 0.0875% | 6,259 |
| Pretax return on assets | 0.0875% | 6,275 |
| Return on Equity (ROE) | 0.7724% | 6,266 |
| Retained earnings to average equity (ytd only) | 0.7724% | 5,527 |
| Net charge-offs to loans | 0.0854% | 2,984 |
| Credit loss provision to net charge-offs | 362.9032% | 692 |
| Earnings coverage of net charge-offs (x) | 5.2742% | 2,386 |
| Efficiency ratio | 92.8649% | 913 |
| Assets per employee ($millions) | 3.6431% | 4,690 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8349% | 2,504 |
| Loan loss allowance to noncurrent loans | 75.4115% | 4,115 |
| Noncurrent assets plus other real estate owned to assets | 3.0334% | 1,472 |
| Noncurrent loans to loans | 2.4331% | 2,123 |
| Net loans and leases to total assets | 61.4578% | 3,177 |
| Net loans and leases to deposits | 83.7974% | 1,622 |
| Net loans and leases to core deposits | 88.0453% | 1,907 |
| Total domestic deposits to total assets | 73.3410% | 6,576 |
| Equity capital to assets | 11.4077% | 2,511 |
| Core capital (leverage) ratio | 11.4258% | 1,921 |
| Tier 1 risk-based capital ratio | 16.9240% | 2,787 |
| Total risk-based capital ratio | 18.1796% | 2,759 |
| Memoranda: | ||
| Average total assets | $466,121,500 | 1,435 |
| Average earning assets | $413,740,500 | 1,487 |
| Average equity | $52,824,500 | 1,372 |
| Average total loans | $290,368,500 | 1,458 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1084% | 1,295 |
| Cost of funding earning assets | 1.2790% | 405 |
| Net interest margin | 3.8294% | 3,104 |
| Noninterest income to average assets | 0.7140% | 2,647 |
| Noninterest expense to average assets | 3.6400% | 1,522 |
| Loan and lease loss provision to assets | 0.4743% | 1,301 |
| Net operating income to assets | 0.0126% | 6,147 |
| Return on assets (ROA) | 0.1507% | 6,051 |
| Pretax return on assets | 0.1507% | 6,066 |
| Return on Equity (ROE) | 1.3603% | 6,051 |
| Retained earnings to average equity (ytd only) | 1.3603% | 5,196 |
| Net charge-offs to loans | 1.1940% | 847 |
| Credit loss provision to net charge-offs | 63.1814% | 4,370 |
| Earnings coverage of net charge-offs (x) | 0.6486% | 5,159 |
| Efficiency ratio | 88.2012% | 1,224 |
| Assets per employee ($millions) | 3.2609% | 5,491 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7700% | 2,688 |
| Loan loss allowance to noncurrent loans | 56.5594% | 4,808 |
| Noncurrent assets plus other real estate owned to assets | 3.7735% | 1,171 |
| Noncurrent loans to loans | 3.1295% | 1,654 |
| Net loans and leases to total assets | 60.8900% | 3,441 |
| Net loans and leases to deposits | 82.5103% | 1,934 |
| Net loans and leases to core deposits | 86.9802% | 2,194 |
| Total domestic deposits to total assets | 73.7969% | 6,549 |
| Equity capital to assets | 11.2590% | 2,674 |
| Core capital (leverage) ratio | 11.3503% | 1,981 |
| Tier 1 risk-based capital ratio | 16.7938% | 2,747 |
| Total risk-based capital ratio | 18.0484% | 2,711 |
| Memoranda: | ||
| Average total assets | $476,450,800 | 1,391 |
| Average earning assets | $424,632,200 | 1,422 |
| Average equity | $52,781,400 | 1,349 |
| Average total loans | $299,588,200 | 1,402 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1714% | 1,254 |
| Cost of funding earning assets | 1.3138% | 414 |
| Net interest margin | 3.8576% | 3,088 |
| Noninterest income to average assets | 0.6764% | 2,838 |
| Noninterest expense to average assets | 3.6301% | 1,499 |
| Loan and lease loss provision to assets | 0.5674% | 1,012 |
| Net operating income to assets | -0.0792% | 6,383 |
| Return on assets (ROA) | 0.1043% | 6,266 |
| Pretax return on assets | 0.1043% | 6,268 |
| Return on Equity (ROE) | 0.9451% | 6,260 |
| Retained earnings to average equity (ytd only) | 0.9451% | 5,792 |
| Net charge-offs to loans | 0.8060% | 1,359 |
| Credit loss provision to net charge-offs | 111.5680% | 2,626 |
| Earnings coverage of net charge-offs (x) | 0.9600% | 4,840 |
| Efficiency ratio | 88.1449% | 1,180 |
| Assets per employee ($millions) | 3.2392% | 5,558 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2677% | 1,584 |
| Loan loss allowance to noncurrent loans | 78.3670% | 3,905 |
| Noncurrent assets plus other real estate owned to assets | 3.0027% | 1,742 |
| Noncurrent loans to loans | 2.8937% | 1,932 |
| Net loans and leases to total assets | 61.7198% | 3,439 |
| Net loans and leases to deposits | 84.4258% | 1,812 |
| Net loans and leases to core deposits | 88.8107% | 2,121 |
| Total domestic deposits to total assets | 73.1053% | 6,669 |
| Equity capital to assets | 11.3197% | 2,914 |
| Core capital (leverage) ratio | 11.3257% | 2,117 |
| Tier 1 risk-based capital ratio | 17.1448% | 2,677 |
| Total risk-based capital ratio | 18.3752% | 2,629 |
| Memoranda: | ||
| Average total assets | $478,172,750 | 1,404 |
| Average earning assets | $426,644,250 | 1,428 |
| Average equity | $52,759,750 | 1,360 |
| Average total loans | $301,718,000 | 1,402 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1796% | 1,310 |
| Cost of funding earning assets | 1.3451% | 439 |
| Net interest margin | 3.8345% | 3,201 |
| Noninterest income to average assets | 0.6555% | 2,928 |
| Noninterest expense to average assets | 3.6259% | 1,525 |
| Loan and lease loss provision to assets | 0.7198% | 739 |
| Net operating income to assets | -0.2701% | 6,595 |
| Return on assets (ROA) | 0.0029% | 6,452 |
| Pretax return on assets | 0.0029% | 6,443 |
| Return on Equity (ROE) | 0.0265% | 6,453 |
| Retained earnings to average equity (ytd only) | 0.0265% | 6,025 |
| Net charge-offs to loans | 0.7544% | 1,459 |
| Credit loss provision to net charge-offs | 151.2642% | 1,827 |
| Earnings coverage of net charge-offs (x) | 0.9451% | 4,564 |
| Efficiency ratio | 88.9658% | 1,152 |
| Assets per employee ($millions) | 3.3662% | 5,283 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3909% | 1,430 |
| Loan loss allowance to noncurrent loans | 80.9103% | 3,764 |
| Noncurrent assets plus other real estate owned to assets | 3.2742% | 1,657 |
| Noncurrent loans to loans | 2.9550% | 2,018 |
| Net loans and leases to total assets | 61.1336% | 3,604 |
| Net loans and leases to deposits | 82.6751% | 2,027 |
| Net loans and leases to core deposits | 86.5847% | 2,353 |
| Total domestic deposits to total assets | 73.9444% | 6,681 |
| Equity capital to assets | 11.0946% | 3,021 |
| Core capital (leverage) ratio | 10.9469% | 2,353 |
| Tier 1 risk-based capital ratio | 16.9700% | 2,679 |
| Total risk-based capital ratio | 18.2330% | 2,631 |
| Memoranda: | ||
| Average total assets | $482,083,000 | 1,396 |
| Average earning assets | $429,990,670 | 1,422 |
| Average equity | $52,746,330 | 1,351 |
| Average total loans | $304,101,670 | 1,386 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0831% | 1,629 |
| Cost of funding earning assets | 1.3806% | 452 |
| Net interest margin | 3.7025% | 3,818 |
| Noninterest income to average assets | 0.9141% | 1,689 |
| Noninterest expense to average assets | 4.2503% | 700 |
| Loan and lease loss provision to assets | 0.2462% | 2,498 |
| Net operating income to assets | -0.2773% | 6,691 |
| Return on assets (ROA) | 0.2224% | 6,058 |
| Pretax return on assets | 0.2224% | 6,150 |
| Return on Equity (ROE) | 2.0462% | 6,061 |
| Retained earnings to average equity (ytd only) | 2.0462% | 5,247 |
| Net charge-offs to loans | 1.2522% | 809 |
| Credit loss provision to net charge-offs | 31.0559% | 3,606 |
| Earnings coverage of net charge-offs (x) | -0.0393% | 4,385 |
| Efficiency ratio | 100.7390% | 530 |
| Assets per employee ($millions) | 3.5653% | 4,966 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9212% | 2,613 |
| Loan loss allowance to noncurrent loans | 52.6206% | 4,915 |
| Noncurrent assets plus other real estate owned to assets | 3.9779% | 1,392 |
| Noncurrent loans to loans | 3.6511% | 1,699 |
| Net loans and leases to total assets | 60.6497% | 3,523 |
| Net loans and leases to deposits | 83.5950% | 1,719 |
| Net loans and leases to core deposits | 87.0901% | 2,169 |
| Total domestic deposits to total assets | 72.5519% | 6,851 |
| Equity capital to assets | 10.7659% | 3,190 |
| Core capital (leverage) ratio | 10.8451% | 2,394 |
| Tier 1 risk-based capital ratio | 16.7387% | 2,788 |
| Total risk-based capital ratio | 17.9961% | 2,743 |
| Memoranda: | ||
| Average total assets | $487,491,500 | 1,383 |
| Average earning assets | $435,166,500 | 1,408 |
| Average equity | $52,977,000 | 1,336 |
| Average total loans | $308,573,000 | 1,374 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5425% | 1,071 |
| Cost of funding earning assets | 1.5130% | 677 |
| Net interest margin | 4.0295% | 2,733 |
| Noninterest income to average assets | 0.9122% | 1,633 |
| Noninterest expense to average assets | 4.9933% | 382 |
| Loan and lease loss provision to assets | 1.5303% | 476 |
| Net operating income to assets | -2.0593% | 7,038 |
| Return on assets (ROA) | -1.8817% | 7,021 |
| Pretax return on assets | -1.8817% | 6,998 |
| Return on Equity (ROE) | -17.4993% | 6,944 |
| Retained earnings to average equity (ytd only) | -17.4993% | 6,928 |
| Net charge-offs to loans | 2.4296% | 486 |
| Credit loss provision to net charge-offs | 92.3377% | 3,903 |
| Earnings coverage of net charge-offs (x) | -0.3192% | 6,016 |
| Efficiency ratio | 111.8489% | 402 |
| Assets per employee ($millions) | 3.3787% | 5,302 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0530% | 2,117 |
| Loan loss allowance to noncurrent loans | 50.1590% | 5,012 |
| Noncurrent assets plus other real estate owned to assets | 4.3315% | 1,281 |
| Noncurrent loans to loans | 4.0930% | 1,518 |
| Net loans and leases to total assets | 63.4346% | 3,303 |
| Net loans and leases to deposits | 87.6399% | 1,433 |
| Net loans and leases to core deposits | 90.9394% | 1,995 |
| Total domestic deposits to total assets | 72.3810% | 6,854 |
| Equity capital to assets | 10.9690% | 3,008 |
| Core capital (leverage) ratio | 10.5946% | 2,625 |
| Tier 1 risk-based capital ratio | 16.2516% | 2,928 |
| Total risk-based capital ratio | 17.5112% | 2,889 |
| Memoranda: | ||
| Average total assets | $494,545,600 | 1,349 |
| Average earning assets | $435,959,800 | 1,394 |
| Average equity | $53,179,400 | 1,279 |
| Average total loans | $337,345,400 | 1,255 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5895% | 1,056 |
| Cost of funding earning assets | 1.5267% | 777 |
| Net interest margin | 4.0628% | 2,632 |
| Noninterest income to average assets | 0.9430% | 1,507 |
| Noninterest expense to average assets | 5.2151% | 310 |
| Loan and lease loss provision to assets | 1.9046% | 298 |
| Net operating income to assets | -2.6054% | 7,227 |
| Return on assets (ROA) | -2.5536% | 7,225 |
| Pretax return on assets | -2.5536% | 7,213 |
| Return on Equity (ROE) | -23.8644% | 7,154 |
| Retained earnings to average equity (ytd only) | -23.8644% | 7,143 |
| Net charge-offs to loans | 2.6533% | 400 |
| Credit loss provision to net charge-offs | 103.9420% | 3,206 |
| Earnings coverage of net charge-offs (x) | -0.3825% | 5,794 |
| Efficiency ratio | 115.5246% | 351 |
| Assets per employee ($millions) | 3.4502% | 5,120 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2750% | 1,728 |
| Loan loss allowance to noncurrent loans | 65.6272% | 4,171 |
| Noncurrent assets plus other real estate owned to assets | 4.5852% | 1,299 |
| Noncurrent loans to loans | 3.4665% | 1,980 |
| Net loans and leases to total assets | 64.5846% | 3,189 |
| Net loans and leases to deposits | 89.0996% | 1,310 |
| Net loans and leases to core deposits | 92.3996% | 1,948 |
| Total domestic deposits to total assets | 72.4858% | 6,897 |
| Equity capital to assets | 10.9831% | 3,165 |
| Core capital (leverage) ratio | 10.4879% | 2,883 |
| Tier 1 risk-based capital ratio | 15.8470% | 3,193 |
| Total risk-based capital ratio | 17.1058% | 3,147 |
| Memoranda: | ||
| Average total assets | $496,548,500 | 1,348 |
| Average earning assets | $436,474,000 | 1,399 |
| Average equity | $53,132,250 | 1,282 |
| Average total loans | $342,906,750 | 1,250 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6890% | 893 |
| Cost of funding earning assets | 1.5392% | 865 |
| Net interest margin | 4.1498% | 2,230 |
| Noninterest income to average assets | 0.9223% | 1,574 |
| Noninterest expense to average assets | 5.1123% | 340 |
| Loan and lease loss provision to assets | 2.6338% | 190 |
| Net operating income to assets | -3.1847% | 7,325 |
| Return on assets (ROA) | -3.1847% | 7,331 |
| Pretax return on assets | -3.1847% | 7,326 |
| Return on Equity (ROE) | -30.0227% | 7,245 |
| Retained earnings to average equity (ytd only) | -30.0227% | 7,238 |
| Net charge-offs to loans | 3.6796% | 240 |
| Credit loss provision to net charge-offs | 102.2098% | 3,025 |
| Earnings coverage of net charge-offs (x) | -0.2138% | 5,415 |
| Efficiency ratio | 112.0791% | 442 |
| Assets per employee ($millions) | 3.5467% | 4,818 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1734% | 1,971 |
| Loan loss allowance to noncurrent loans | 51.0940% | 4,957 |
| Noncurrent assets plus other real estate owned to assets | 5.4685% | 1,084 |
| Noncurrent loans to loans | 4.2537% | 1,592 |
| Net loans and leases to total assets | 66.5730% | 2,917 |
| Net loans and leases to deposits | 95.2946% | 780 |
| Net loans and leases to core deposits | 98.8610% | 1,443 |
| Total domestic deposits to total assets | 69.8602% | 7,119 |
| Equity capital to assets | 11.3159% | 2,668 |
| Core capital (leverage) ratio | 10.6606% | 2,561 |
| Tier 1 risk-based capital ratio | 15.7772% | 3,091 |
| Total risk-based capital ratio | 17.0351% | 3,068 |
| Memoranda: | ||
| Average total assets | $498,756,330 | 1,347 |
| Average earning assets | $437,369,670 | 1,401 |
| Average equity | $52,906,670 | 1,273 |
| Average total loans | $349,281,670 | 1,240 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6857% | 905 |
| Cost of funding earning assets | 1.5441% | 1,006 |
| Net interest margin | 4.1416% | 2,112 |
| Noninterest income to average assets | 0.8836% | 1,717 |
| Noninterest expense to average assets | 4.2756% | 743 |
| Loan and lease loss provision to assets | 2.8668% | 166 |
| Net operating income to assets | -2.6380% | 7,358 |
| Return on assets (ROA) | -2.6380% | 7,359 |
| Pretax return on assets | -2.6380% | 7,340 |
| Return on Equity (ROE) | -25.7028% | 7,283 |
| Retained earnings to average equity (ytd only) | -25.7028% | 7,248 |
| Net charge-offs to loans | 3.2794% | 316 |
| Credit loss provision to net charge-offs | 123.1399% | 2,229 |
| Earnings coverage of net charge-offs (x) | 0.0983% | 4,523 |
| Efficiency ratio | 94.9197% | 987 |
| Assets per employee ($millions) | 3.8395% | 4,217 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2221% | 1,910 |
| Loan loss allowance to noncurrent loans | 41.4578% | 5,538 |
| Noncurrent assets plus other real estate owned to assets | 6.5860% | 836 |
| Noncurrent loans to loans | 5.3598% | 1,226 |
| Net loans and leases to total assets | 66.9964% | 2,756 |
| Net loans and leases to deposits | 99.0535% | 522 |
| Net loans and leases to core deposits | 102.9164% | 1,137 |
| Total domestic deposits to total assets | 67.6366% | 7,274 |
| Equity capital to assets | 11.7428% | 2,085 |
| Core capital (leverage) ratio | 11.5070% | 1,843 |
| Tier 1 risk-based capital ratio | 16.1613% | 2,832 |
| Total risk-based capital ratio | 17.4190% | 2,791 |
| Memoranda: | ||
| Average total assets | $503,413,500 | 1,339 |
| Average earning assets | $440,122,500 | 1,403 |
| Average equity | $51,667,500 | 1,291 |
| Average total loans | $357,385,000 | 1,226 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1727% | 605 |
| Cost of funding earning assets | 2.3038% | 206 |
| Net interest margin | 3.8689% | 3,642 |
| Noninterest income to average assets | 0.9093% | 1,824 |
| Noninterest expense to average assets | 4.2799% | 831 |
| Loan and lease loss provision to assets | 0.4673% | 3,332 |
| Net operating income to assets | -0.4383% | 6,345 |
| Return on assets (ROA) | -0.4021% | 6,341 |
| Pretax return on assets | -0.4021% | 6,245 |
| Return on Equity (ROE) | -4.9437% | 6,430 |
| Retained earnings to average equity (ytd only) | -4.9437% | 6,293 |
| Net charge-offs to loans | 1.1424% | 1,952 |
| Credit loss provision to net charge-offs | 55.1149% | 6,176 |
| Earnings coverage of net charge-offs (x) | 0.0342% | 6,085 |
| Efficiency ratio | 99.3262% | 806 |
| Assets per employee ($millions) | 3.4218% | 5,122 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9451% | 2,427 |
| Loan loss allowance to noncurrent loans | 44.4758% | 5,357 |
| Noncurrent assets plus other real estate owned to assets | 6.5403% | 868 |
| Noncurrent loans to loans | 4.3733% | 1,644 |
| Net loans and leases to total assets | 72.1076% | 2,079 |
| Net loans and leases to deposits | 103.8784% | 407 |
| Net loans and leases to core deposits | 109.7513% | 931 |
| Total domestic deposits to total assets | 69.4153% | 7,265 |
| Equity capital to assets | 8.7408% | 5,524 |
| Core capital (leverage) ratio | 8.1196% | 5,977 |
| Tier 1 risk-based capital ratio | 11.0955% | 6,255 |
| Total risk-based capital ratio | 12.3537% | 6,222 |
| Memoranda: | ||
| Average total assets | $544,176,200 | 1,234 |
| Average earning assets | $478,168,400 | 1,281 |
| Average equity | $44,258,400 | 1,512 |
| Average total loans | $403,889,600 | 1,120 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2288% | 584 |
| Cost of funding earning assets | 2.4588% | 164 |
| Net interest margin | 3.7700% | 4,095 |
| Noninterest income to average assets | 0.8716% | 1,904 |
| Noninterest expense to average assets | 4.1834% | 847 |
| Loan and lease loss provision to assets | 0.5305% | 2,813 |
| Net operating income to assets | -0.5221% | 6,611 |
| Return on assets (ROA) | -0.4943% | 6,632 |
| Pretax return on assets | -0.4943% | 6,550 |
| Return on Equity (ROE) | -6.1808% | 6,733 |
| Retained earnings to average equity (ytd only) | -6.1808% | 6,651 |
| Net charge-offs to loans | 1.3209% | 1,541 |
| Credit loss provision to net charge-offs | 54.0020% | 5,825 |
| Earnings coverage of net charge-offs (x) | 0.0085% | 6,023 |
| Efficiency ratio | 99.7998% | 745 |
| Assets per employee ($millions) | 3.5101% | 4,955 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9116% | 2,446 |
| Loan loss allowance to noncurrent loans | 106.8672% | 2,622 |
| Noncurrent assets plus other real estate owned to assets | 4.6864% | 1,410 |
| Noncurrent loans to loans | 1.7888% | 3,964 |
| Net loans and leases to total assets | 71.4521% | 2,369 |
| Net loans and leases to deposits | 103.1611% | 475 |
| Net loans and leases to core deposits | 112.7202% | 894 |
| Total domestic deposits to total assets | 69.2626% | 7,315 |
| Equity capital to assets | 8.3823% | 6,416 |
| Core capital (leverage) ratio | 7.7989% | 6,571 |
| Tier 1 risk-based capital ratio | 10.7375% | 6,607 |
| Total risk-based capital ratio | 11.9952% | 6,578 |
| Memoranda: | ||
| Average total assets | $556,178,500 | 1,216 |
| Average earning assets | $489,821,500 | 1,266 |
| Average equity | $44,480,750 | 1,509 |
| Average total loans | $413,644,250 | 1,095 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2526% | 561 |
| Cost of funding earning assets | 2.5411% | 150 |
| Net interest margin | 3.7115% | 4,307 |
| Noninterest income to average assets | 0.8113% | 2,063 |
| Noninterest expense to average assets | 4.2462% | 765 |
| Loan and lease loss provision to assets | 0.3642% | 3,523 |
| Net operating income to assets | -0.5208% | 6,670 |
| Return on assets (ROA) | -0.4986% | 6,691 |
| Pretax return on assets | -0.4986% | 6,587 |
| Return on Equity (ROE) | -6.3274% | 6,788 |
| Retained earnings to average equity (ytd only) | -6.3274% | 6,679 |
| Net charge-offs to loans | 0.8965% | 2,039 |
| Credit loss provision to net charge-offs | 54.2827% | 5,333 |
| Earnings coverage of net charge-offs (x) | -0.2333% | 5,891 |
| Efficiency ratio | 103.8279% | 687 |
| Assets per employee ($millions) | 3.4744% | 4,983 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0651% | 2,043 |
| Loan loss allowance to noncurrent loans | 66.4904% | 4,008 |
| Noncurrent assets plus other real estate owned to assets | 4.9589% | 1,309 |
| Noncurrent loans to loans | 3.1058% | 2,585 |
| Net loans and leases to total assets | 72.1434% | 2,362 |
| Net loans and leases to deposits | 109.8847% | 280 |
| Net loans and leases to core deposits | 120.4912% | 680 |
| Total domestic deposits to total assets | 65.6537% | 7,540 |
| Equity capital to assets | 8.1094% | 6,646 |
| Core capital (leverage) ratio | 7.6019% | 6,731 |
| Tier 1 risk-based capital ratio | 10.5296% | 6,663 |
| Total risk-based capital ratio | 11.7897% | 6,652 |
| Memoranda: | ||
| Average total assets | $567,235,330 | 1,202 |
| Average earning assets | $501,035,670 | 1,252 |
| Average equity | $44,694,330 | 1,489 |
| Average total loans | $424,531,330 | 1,073 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3125% | 519 |
| Cost of funding earning assets | 2.6429% | 146 |
| Net interest margin | 3.6696% | 4,396 |
| Noninterest income to average assets | 0.7985% | 2,029 |
| Noninterest expense to average assets | 3.8055% | 1,324 |
| Loan and lease loss provision to assets | 0.4608% | 2,662 |
| Net operating income to assets | -0.2256% | 6,578 |
| Return on assets (ROA) | -0.2256% | 6,645 |
| Pretax return on assets | -0.2256% | 6,578 |
| Return on Equity (ROE) | -2.9027% | 6,726 |
| Retained earnings to average equity (ytd only) | -2.9027% | 6,343 |
| Net charge-offs to loans | 0.8947% | 1,783 |
| Credit loss provision to net charge-offs | 68.3077% | 4,141 |
| Earnings coverage of net charge-offs (x) | 0.3487% | 4,724 |
| Efficiency ratio | 94.1781% | 1,123 |
| Assets per employee ($millions) | 3.6843% | 4,610 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0854% | 1,988 |
| Loan loss allowance to noncurrent loans | 44.1956% | 5,412 |
| Noncurrent assets plus other real estate owned to assets | 6.3451% | 914 |
| Noncurrent loans to loans | 4.7186% | 1,565 |
| Net loans and leases to total assets | 73.3102% | 2,124 |
| Net loans and leases to deposits | 109.6895% | 299 |
| Net loans and leases to core deposits | 125.3037% | 604 |
| Total domestic deposits to total assets | 66.8343% | 7,579 |
| Equity capital to assets | 7.9005% | 6,755 |
| Core capital (leverage) ratio | 7.4914% | 6,863 |
| Tier 1 risk-based capital ratio | 10.1080% | 6,958 |
| Total risk-based capital ratio | 11.3681% | 6,940 |
| Memoranda: | ||
| Average total assets | $578,113,000 | 1,200 |
| Average earning assets | $510,795,000 | 1,247 |
| Average equity | $44,924,000 | 1,498 |
| Average total loans | $435,884,000 | 1,069 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0753% | 1,587 |
| Cost of funding earning assets | 3.2212% | 118 |
| Net interest margin | 2.8541% | 6,951 |
| Noninterest income to average assets | 0.7579% | 2,629 |
| Noninterest expense to average assets | 3.7438% | 1,813 |
| Loan and lease loss provision to assets | 2.0707% | 1,028 |
| Net operating income to assets | -1.8418% | 7,027 |
| Return on assets (ROA) | -1.8389% | 7,022 |
| Pretax return on assets | -2.4749% | 7,138 |
| Return on Equity (ROE) | -24.1360% | 7,269 |
| Retained earnings to average equity (ytd only) | -24.1360% | 7,242 |
| Net charge-offs to loans | 3.2713% | 618 |
| Credit loss provision to net charge-offs | 83.3584% | 6,210 |
| Earnings coverage of net charge-offs (x) | -0.1643% | 6,402 |
| Efficiency ratio | 112.2342% | 765 |
| Assets per employee ($millions) | 3.6803% | 4,566 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0512% | 1,912 |
| Loan loss allowance to noncurrent loans | 30.0492% | 6,471 |
| Noncurrent assets plus other real estate owned to assets | 7.1217% | 703 |
| Noncurrent loans to loans | 6.8261% | 849 |
| Net loans and leases to total assets | 74.3477% | 2,181 |
| Net loans and leases to deposits | 109.1650% | 409 |
| Net loans and leases to core deposits | 153.5184% | 436 |
| Total domestic deposits to total assets | 68.1059% | 7,540 |
| Equity capital to assets | 7.6458% | 6,901 |
| Core capital (leverage) ratio | 7.3109% | 6,975 |
| Tier 1 risk-based capital ratio | 9.7088% | 7,093 |
| Total risk-based capital ratio | 10.9685% | 7,062 |
| Memoranda: | ||
| Average total assets | $641,509,000 | 1,077 |
| Average earning assets | $579,410,000 | 1,089 |
| Average equity | $48,877,200 | 1,376 |
| Average total loans | $487,146,800 | 993 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0233% | 1,944 |
| Cost of funding earning assets | 3.3372% | 117 |
| Net interest margin | 2.6861% | 7,237 |
| Noninterest income to average assets | 0.6908% | 3,080 |
| Noninterest expense to average assets | 3.5510% | 2,142 |
| Loan and lease loss provision to assets | 2.4577% | 680 |
| Net operating income to assets | -2.6551% | 7,501 |
| Return on assets (ROA) | -2.6551% | 7,508 |
| Pretax return on assets | -2.8836% | 7,468 |
| Return on Equity (ROE) | -34.8754% | 7,700 |
| Retained earnings to average equity (ytd only) | -34.8754% | 7,691 |
| Net charge-offs to loans | 3.6774% | 398 |
| Credit loss provision to net charge-offs | 88.0041% | 5,539 |
| Earnings coverage of net charge-offs (x) | -0.1525% | 6,239 |
| Efficiency ratio | 113.6266% | 701 |
| Assets per employee ($millions) | 3.8050% | 4,180 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1992% | 1,424 |
| Loan loss allowance to noncurrent loans | 30.0804% | 6,453 |
| Noncurrent assets plus other real estate owned to assets | 7.4639% | 601 |
| Noncurrent loans to loans | 7.3109% | 718 |
| Net loans and leases to total assets | 73.4098% | 2,684 |
| Net loans and leases to deposits | 105.5413% | 675 |
| Net loans and leases to core deposits | 150.7263% | 566 |
| Total domestic deposits to total assets | 69.5555% | 7,449 |
| Equity capital to assets | 7.1634% | 7,513 |
| Core capital (leverage) ratio | 6.6769% | 7,596 |
| Tier 1 risk-based capital ratio | 9.1996% | 7,538 |
| Total risk-based capital ratio | 10.4614% | 7,532 |
| Memoranda: | ||
| Average total assets | $654,675,000 | 1,074 |
| Average earning assets | $593,302,750 | 1,077 |
| Average equity | $49,841,000 | 1,372 |
| Average total loans | $497,193,250 | 985 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9447% | 2,403 |
| Cost of funding earning assets | 3.4184% | 142 |
| Net interest margin | 2.5263% | 7,454 |
| Noninterest income to average assets | 0.4926% | 4,508 |
| Noninterest expense to average assets | 3.7059% | 1,831 |
| Loan and lease loss provision to assets | 3.5066% | 411 |
| Net operating income to assets | -4.0846% | 7,847 |
| Return on assets (ROA) | -4.0846% | 7,843 |
| Pretax return on assets | -4.4208% | 7,799 |
| Return on Equity (ROE) | -52.6944% | 7,931 |
| Retained earnings to average equity (ytd only) | -52.6944% | 7,926 |
| Net charge-offs to loans | 4.1101% | 336 |
| Credit loss provision to net charge-offs | 111.9380% | 4,137 |
| Earnings coverage of net charge-offs (x) | -0.2919% | 5,949 |
| Efficiency ratio | 132.7501% | 504 |
| Assets per employee ($millions) | 3.7765% | 4,157 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6494% | 785 |
| Loan loss allowance to noncurrent loans | 26.4075% | 6,746 |
| Noncurrent assets plus other real estate owned to assets | 8.0320% | 467 |
| Noncurrent loans to loans | 10.0328% | 349 |
| Net loans and leases to total assets | 73.4957% | 2,843 |
| Net loans and leases to deposits | 101.3027% | 1,140 |
| Net loans and leases to core deposits | 147.8552% | 701 |
| Total domestic deposits to total assets | 72.5505% | 7,176 |
| Equity capital to assets | 6.5683% | 7,801 |
| Core capital (leverage) ratio | 6.1951% | 7,881 |
| Tier 1 risk-based capital ratio | 8.8776% | 7,754 |
| Total risk-based capital ratio | 10.1465% | 7,784 |
| Memoranda: | ||
| Average total assets | $667,431,000 | 1,059 |
| Average earning assets | $607,362,670 | 1,055 |
| Average equity | $51,736,000 | 1,314 |
| Average total loans | $508,698,330 | 980 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9740% | 2,465 |
| Cost of funding earning assets | 3.4074% | 194 |
| Net interest margin | 2.5665% | 7,419 |
| Noninterest income to average assets | 0.7834% | 2,407 |
| Noninterest expense to average assets | 3.0317% | 3,623 |
| Loan and lease loss provision to assets | 2.5810% | 440 |
| Net operating income to assets | -0.8973% | 7,191 |
| Return on assets (ROA) | -0.8973% | 7,218 |
| Pretax return on assets | -2.4979% | 7,660 |
| Return on Equity (ROE) | -10.7788% | 7,413 |
| Retained earnings to average equity (ytd only) | -10.7788% | 7,182 |
| Net charge-offs to loans | 4.5993% | 244 |
| Credit loss provision to net charge-offs | 73.2907% | 4,291 |
| Earnings coverage of net charge-offs (x) | 0.0236% | 4,958 |
| Efficiency ratio | 97.3343% | 1,251 |
| Assets per employee ($millions) | 4.0165% | 3,629 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0122% | 1,388 |
| Loan loss allowance to noncurrent loans | 19.2688% | 7,209 |
| Noncurrent assets plus other real estate owned to assets | 8.0433% | 365 |
| Noncurrent loans to loans | 10.4427% | 259 |
| Net loans and leases to total assets | 71.3175% | 3,401 |
| Net loans and leases to deposits | 99.9924% | 1,407 |
| Net loans and leases to core deposits | 146.6867% | 828 |
| Total domestic deposits to total assets | 71.3229% | 7,299 |
| Equity capital to assets | 7.9553% | 6,875 |
| Core capital (leverage) ratio | 8.0808% | 6,326 |
| Tier 1 risk-based capital ratio | 10.9061% | 5,990 |
| Total risk-based capital ratio | 12.1663% | 5,887 |
| Memoranda: | ||
| Average total assets | $674,479,000 | 1,041 |
| Average earning assets | $612,659,500 | 1,050 |
| Average equity | $56,147,500 | 1,207 |
| Average total loans | $516,427,000 | 967 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7587% | 1,838 |
| Cost of funding earning assets | 3.6788% | 287 |
| Net interest margin | 3.0799% | 6,707 |
| Noninterest income to average assets | 0.7237% | 2,953 |
| Noninterest expense to average assets | 3.2254% | 3,236 |
| Loan and lease loss provision to assets | 1.8039% | 699 |
| Net operating income to assets | -1.1427% | 7,320 |
| Return on assets (ROA) | -1.1421% | 7,258 |
| Pretax return on assets | -1.4977% | 7,252 |
| Return on Equity (ROE) | -11.7697% | 7,411 |
| Retained earnings to average equity (ytd only) | -11.7697% | 7,231 |
| Net charge-offs to loans | 0.8937% | 1,387 |
| Credit loss provision to net charge-offs | 253.0166% | 1,837 |
| Earnings coverage of net charge-offs (x) | 0.4283% | 5,978 |
| Efficiency ratio | 91.3517% | 1,420 |
| Assets per employee ($millions) | 3.4951% | 4,675 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2548% | 898 |
| Loan loss allowance to noncurrent loans | 30.5845% | 6,680 |
| Noncurrent assets plus other real estate owned to assets | 6.4977% | 427 |
| Noncurrent loans to loans | 7.3725% | 391 |
| Net loans and leases to total assets | 78.8174% | 1,929 |
| Net loans and leases to deposits | 117.3532% | 465 |
| Net loans and leases to core deposits | 192.3724% | 205 |
| Total domestic deposits to total assets | 67.1625% | 7,556 |
| Equity capital to assets | 8.7216% | 5,777 |
| Core capital (leverage) ratio | 8.6592% | 5,267 |
| Tier 1 risk-based capital ratio | 10.7228% | 5,981 |
| Total risk-based capital ratio | 11.9855% | 5,880 |
| Memoranda: | ||
| Average total assets | $634,687,000 | 1,058 |
| Average earning assets | $578,457,200 | 1,067 |
| Average equity | $61,590,400 | 1,088 |
| Average total loans | $506,298,400 | 948 |