| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.8789% | 6,224 |
| Cost of funding earning assets | 0.4113% | 3,665 |
| Net interest margin | 2.4676% | 6,256 |
| Noninterest income to average assets | 0.5485% | 3,211 |
| Noninterest expense to average assets | 2.3200% | 5,056 |
| Loan and lease loss provision to assets | 0.0234% | 3,940 |
| Net operating income to assets | 0.5134% | 4,825 |
| Return on assets (ROA) | 0.4354% | 5,202 |
| Pretax return on assets | 0.4354% | 5,510 |
| Return on Equity (ROE) | 5.8765% | 4,293 |
| Retained earnings to average equity (ytd only) | 1.9295% | 5,092 |
| Net charge-offs to loans | 0.0482% | 3,535 |
| Credit loss provision to net charge-offs | 180.0000% | 1,385 |
| Earnings coverage of net charge-offs (x) | 41.3091% | 1,101 |
| Efficiency ratio | 81.2102% | 1,725 |
| Assets per employee ($millions) | 5.1989% | 2,018 |
| Cash dividends to net income (ytd only)* | 67.1629% | 1,124 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5605% | 2,453 |
| Loan loss allowance to noncurrent loans | 251.5528% | 1,806 |
| Noncurrent assets plus other real estate owned to assets | 0.7858% | 3,463 |
| Noncurrent loans to loans | 0.6204% | 4,066 |
| Net loans and leases to total assets | 24.5708% | 6,377 |
| Net loans and leases to deposits | 26.8731% | 6,414 |
| Net loans and leases to core deposits | 27.2187% | 6,420 |
| Total domestic deposits to total assets | 91.4327% | 250 |
| Equity capital to assets | 8.1316% | 6,057 |
| Core capital (leverage) ratio | 8.2105% | 5,917 |
| Tier 1 risk-based capital ratio | 21.1883% | 1,415 |
| Total risk-based capital ratio | 22.2049% | 1,438 |
| Memoranda: |
| Average total assets | $102,584,500 | 4,581 |
| Average earning assets | $95,961,750 | 4,547 |
| Average equity | $7,600,750 | 5,331 |
| Average total loans | $27,680,250 | 5,718 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.9301% | 6,238 |
| Cost of funding earning assets | 0.4195% | 3,663 |
| Net interest margin | 2.5106% | 6,261 |
| Noninterest income to average assets | 0.5484% | 3,140 |
| Noninterest expense to average assets | 2.2307% | 5,343 |
| Loan and lease loss provision to assets | 0.0353% | 3,584 |
| Net operating income to assets | 0.6267% | 4,210 |
| Return on assets (ROA) | 0.7266% | 3,791 |
| Pretax return on assets | 0.7266% | 4,546 |
| Return on Equity (ROE) | 10.1422% | 2,086 |
| Retained earnings to average equity (ytd only) | 3.9913% | 3,644 |
| Net charge-offs to loans | 0.0425% | 3,374 |
| Credit loss provision to net charge-offs | 300.0000% | 849 |
| Earnings coverage of net charge-offs (x) | 56.3333% | 845 |
| Efficiency ratio | 77.1158% | 2,437 |
| Assets per employee ($millions) | 5.2254% | 1,942 |
| Cash dividends to net income (ytd only)* | 60.6469% | 1,498 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4345% | 3,171 |
| Loan loss allowance to noncurrent loans | 272.6667% | 1,637 |
| Noncurrent assets plus other real estate owned to assets | 0.7875% | 3,602 |
| Noncurrent loans to loans | 0.5261% | 4,433 |
| Net loans and leases to total assets | 26.8898% | 6,397 |
| Net loans and leases to deposits | 29.4802% | 6,434 |
| Net loans and leases to core deposits | 29.7782% | 6,453 |
| Total domestic deposits to total assets | 91.2131% | 338 |
| Equity capital to assets | 7.8004% | 6,255 |
| Core capital (leverage) ratio | 8.2933% | 5,856 |
| Tier 1 risk-based capital ratio | 18.2537% | 2,145 |
| Total risk-based capital ratio | 19.1346% | 2,249 |
| Memoranda: |
| Average total assets | $102,120,330 | 4,632 |
| Average earning assets | $95,355,670 | 4,600 |
| Average equity | $7,316,000 | 5,409 |
| Average total loans | $28,256,000 | 5,734 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.9700% | 6,270 |
| Cost of funding earning assets | 0.4243% | 3,711 |
| Net interest margin | 2.5457% | 6,293 |
| Noninterest income to average assets | 0.5073% | 3,351 |
| Noninterest expense to average assets | 2.2234% | 5,403 |
| Loan and lease loss provision to assets | 0.0634% | 2,854 |
| Net operating income to assets | 0.5985% | 4,208 |
| Return on assets (ROA) | 0.7570% | 3,462 |
| Pretax return on assets | 0.7570% | 4,283 |
| Return on Equity (ROE) | 11.0757% | 1,663 |
| Retained earnings to average equity (ytd only) | 5.2769% | 2,941 |
| Net charge-offs to loans | 0.1706% | 1,697 |
| Credit loss provision to net charge-offs | 133.3333% | 1,358 |
| Earnings coverage of net charge-offs (x) | 13.9167% | 1,638 |
| Efficiency ratio | 77.0604% | 2,636 |
| Assets per employee ($millions) | 5.1367% | 2,088 |
| Cash dividends to net income (ytd only)* | 52.3560% | 1,619 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4403% | 3,414 |
| Loan loss allowance to noncurrent loans | 374.7664% | 1,224 |
| Noncurrent assets plus other real estate owned to assets | 0.7602% | 3,842 |
| Noncurrent loans to loans | 0.3843% | 4,971 |
| Net loans and leases to total assets | 26.7110% | 6,453 |
| Net loans and leases to deposits | 29.0482% | 6,495 |
| Net loans and leases to core deposits | 29.3430% | 6,508 |
| Total domestic deposits to total assets | 91.9539% | 251 |
| Equity capital to assets | 7.0893% | 6,427 |
| Core capital (leverage) ratio | 8.4361% | 5,716 |
| Tier 1 risk-based capital ratio | 18.2306% | 2,192 |
| Total risk-based capital ratio | 19.0991% | 2,332 |
| Memoranda: |
| Average total assets | $100,926,500 | 4,714 |
| Average earning assets | $94,276,000 | 4,675 |
| Average equity | $6,898,000 | 5,543 |
| Average total loans | $28,128,500 | 5,791 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0630% | 6,276 |
| Cost of funding earning assets | 0.4898% | 3,714 |
| Net interest margin | 2.5732% | 6,296 |
| Noninterest income to average assets | 0.5759% | 3,241 |
| Noninterest expense to average assets | 2.3067% | 5,367 |
| Loan and lease loss provision to assets | 0.1364% | 2,600 |
| Net operating income to assets | 0.5413% | 4,553 |
| Return on assets (ROA) | 0.6074% | 4,348 |
| Pretax return on assets | 0.6074% | 4,858 |
| Return on Equity (ROE) | 8.4074% | 2,825 |
| Retained earnings to average equity (ytd only) | 6.6068% | 1,622 |
| Net charge-offs to loans | 1.4117% | 343 |
| Credit loss provision to net charge-offs | 34.6667% | 4,154 |
| Earnings coverage of net charge-offs (x) | 1.7227% | 4,475 |
| Efficiency ratio | 77.2935% | 2,573 |
| Assets per employee ($millions) | 4.9560% | 2,235 |
| Cash dividends to net income (ytd only)* | 21.4162% | 3,657 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3971% | 3,666 |
| Loan loss allowance to noncurrent loans | 197.5124% | 2,120 |
| Noncurrent assets plus other real estate owned to assets | 0.8666% | 3,721 |
| Noncurrent loans to loans | 0.7074% | 4,203 |
| Net loans and leases to total assets | 28.2667% | 6,517 |
| Net loans and leases to deposits | 30.6114% | 6,570 |
| Net loans and leases to core deposits | 30.9321% | 6,587 |
| Total domestic deposits to total assets | 92.3406% | 224 |
| Equity capital to assets | 6.5708% | 6,561 |
| Core capital (leverage) ratio | 8.2516% | 5,922 |
| Tier 1 risk-based capital ratio | 17.9407% | 2,259 |
| Total risk-based capital ratio | 18.7962% | 2,373 |
| Memoranda: |
| Average total assets | $95,329,800 | 4,857 |
| Average earning assets | $89,226,200 | 4,798 |
| Average equity | $6,886,800 | 5,601 |
| Average total loans | $26,564,400 | 5,907 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0285% | 6,398 |
| Cost of funding earning assets | 0.4995% | 3,767 |
| Net interest margin | 2.5290% | 6,403 |
| Noninterest income to average assets | 0.5792% | 3,273 |
| Noninterest expense to average assets | 2.2306% | 5,530 |
| Loan and lease loss provision to assets | 0.1610% | 2,243 |
| Net operating income to assets | 0.5552% | 4,557 |
| Return on assets (ROA) | 0.6230% | 4,375 |
| Pretax return on assets | 0.6230% | 4,938 |
| Return on Equity (ROE) | 8.4236% | 2,911 |
| Retained earnings to average equity (ytd only) | 7.9652% | 1,419 |
| Net charge-offs to loans | 1.9053% | 212 |
| Credit loss provision to net charge-offs | 30.5630% | 3,885 |
| Earnings coverage of net charge-offs (x) | 1.3592% | 4,384 |
| Efficiency ratio | 75.6951% | 2,774 |
| Assets per employee ($millions) | 5.0170% | 2,144 |
| Cash dividends to net income (ytd only)* | 5.4423% | 3,606 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3460% | 4,157 |
| Loan loss allowance to noncurrent loans | 313.9344% | 1,317 |
| Noncurrent assets plus other real estate owned to assets | 0.7873% | 4,136 |
| Noncurrent loans to loans | 0.4287% | 5,128 |
| Net loans and leases to total assets | 27.9769% | 6,596 |
| Net loans and leases to deposits | 30.2846% | 6,661 |
| Net loans and leases to core deposits | 30.5959% | 6,677 |
| Total domestic deposits to total assets | 92.3799% | 194 |
| Equity capital to assets | 6.6026% | 6,629 |
| Core capital (leverage) ratio | 8.4167% | 5,843 |
| Tier 1 risk-based capital ratio | 17.8841% | 2,361 |
| Total risk-based capital ratio | 18.7109% | 2,492 |
| Memoranda: |
| Average total assets | $94,382,250 | 4,927 |
| Average earning assets | $88,358,500 | 4,862 |
| Average equity | $6,980,250 | 5,641 |
| Average total loans | $26,101,750 | 5,989 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.9867% | 6,461 |
| Cost of funding earning assets | 0.5139% | 3,767 |
| Net interest margin | 2.4728% | 6,476 |
| Noninterest income to average assets | 0.5779% | 3,332 |
| Noninterest expense to average assets | 2.2014% | 5,626 |
| Loan and lease loss provision to assets | 0.1732% | 2,175 |
| Net operating income to assets | 0.5260% | 4,686 |
| Return on assets (ROA) | 0.6147% | 4,386 |
| Pretax return on assets | 0.6147% | 4,971 |
| Return on Equity (ROE) | 8.0015% | 3,101 |
| Retained earnings to average equity (ytd only) | 7.3253% | 1,738 |
| Net charge-offs to loans | 2.9466% | 103 |
| Credit loss provision to net charge-offs | 21.4477% | 3,704 |
| Earnings coverage of net charge-offs (x) | 0.8660% | 4,240 |
| Efficiency ratio | 75.8955% | 2,805 |
| Assets per employee ($millions) | 4.9389% | 2,178 |
| Cash dividends to net income (ytd only)* | 8.4507% | 3,346 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3224% | 4,390 |
| Loan loss allowance to noncurrent loans | 317.2727% | 1,333 |
| Noncurrent assets plus other real estate owned to assets | 0.7897% | 4,246 |
| Noncurrent loans to loans | 0.4168% | 5,214 |
| Net loans and leases to total assets | 26.3654% | 6,676 |
| Net loans and leases to deposits | 28.9921% | 6,724 |
| Net loans and leases to core deposits | 29.2997% | 6,733 |
| Total domestic deposits to total assets | 90.9402% | 567 |
| Equity capital to assets | 6.7576% | 6,643 |
| Core capital (leverage) ratio | 8.0468% | 6,148 |
| Tier 1 risk-based capital ratio | 18.5675% | 2,118 |
| Total risk-based capital ratio | 19.3654% | 2,240 |
| Memoranda: |
| Average total assets | $92,396,330 | 5,000 |
| Average earning assets | $86,784,000 | 4,931 |
| Average equity | $7,098,670 | 5,659 |
| Average total loans | $25,317,330 | 6,055 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.9258% | 6,582 |
| Cost of funding earning assets | 0.5289% | 3,791 |
| Net interest margin | 2.3969% | 6,602 |
| Noninterest income to average assets | 0.5246% | 3,608 |
| Noninterest expense to average assets | 2.1120% | 5,889 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.6681% | 3,858 |
| Return on assets (ROA) | 0.6681% | 4,011 |
| Pretax return on assets | 0.6681% | 4,710 |
| Return on Equity (ROE) | 8.1527% | 2,894 |
| Retained earnings to average equity (ytd only) | 6.8395% | 2,231 |
| Net charge-offs to loans | -0.0323% | 5,929 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9677% | 2,930 |
| Assets per employee ($millions) | 4.8502% | 2,414 |
| Cash dividends to net income (ytd only)* | 16.1074% | 2,369 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.5702% | 1,042 |
| Loan loss allowance to noncurrent loans | 57.4487% | 4,837 |
| Noncurrent assets plus other real estate owned to assets | 1.1467% | 3,648 |
| Noncurrent loans to loans | 4.4740% | 933 |
| Net loans and leases to total assets | 23.9676% | 6,775 |
| Net loans and leases to deposits | 26.5686% | 6,809 |
| Net loans and leases to core deposits | 26.8423% | 6,828 |
| Total domestic deposits to total assets | 90.2105% | 928 |
| Equity capital to assets | 8.3119% | 6,180 |
| Core capital (leverage) ratio | 8.1772% | 5,953 |
| Tier 1 risk-based capital ratio | 18.1117% | 2,313 |
| Total risk-based capital ratio | 19.3652% | 2,279 |
| Memoranda: |
| Average total assets | $89,206,000 | 5,117 |
| Average earning assets | $83,942,500 | 5,046 |
| Average equity | $7,310,500 | 5,660 |
| Average total loans | $24,780,000 | 6,132 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7586% | 5,929 |
| Cost of funding earning assets | 0.7448% | 3,116 |
| Net interest margin | 3.0138% | 6,023 |
| Noninterest income to average assets | 0.4265% | 4,408 |
| Noninterest expense to average assets | 2.3223% | 5,629 |
| Loan and lease loss provision to assets | 0.0482% | 5,218 |
| Net operating income to assets | 0.8515% | 3,035 |
| Return on assets (ROA) | 0.9216% | 2,940 |
| Pretax return on assets | 0.9216% | 3,852 |
| Return on Equity (ROE) | 10.5093% | 1,967 |
| Retained earnings to average equity (ytd only) | 10.1096% | 578 |
| Net charge-offs to loans | -0.1267% | 6,877 |
| Credit loss provision to net charge-offs | -110.0000% | 6,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0762% | 3,400 |
| Assets per employee ($millions) | 5.1039% | 2,092 |
| Cash dividends to net income (ytd only)* | 3.8035% | 4,236 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.6200% | 1,002 |
| Loan loss allowance to noncurrent loans | 57.6819% | 4,766 |
| Noncurrent assets plus other real estate owned to assets | 1.5165% | 3,107 |
| Noncurrent loans to loans | 4.5421% | 934 |
| Net loans and leases to total assets | 31.1685% | 6,659 |
| Net loans and leases to deposits | 39.1052% | 6,593 |
| Net loans and leases to core deposits | 39.4968% | 6,631 |
| Total domestic deposits to total assets | 79.7043% | 5,741 |
| Equity capital to assets | 8.0397% | 6,385 |
| Core capital (leverage) ratio | 8.0556% | 6,138 |
| Tier 1 risk-based capital ratio | 15.7618% | 3,285 |
| Total risk-based capital ratio | 17.0179% | 3,239 |
| Memoranda: |
| Average total assets | $68,466,600 | 5,667 |
| Average earning assets | $63,508,000 | 5,622 |
| Average equity | $6,004,200 | 6,025 |
| Average total loans | $23,672,600 | 6,258 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9189% | 5,741 |
| Cost of funding earning assets | 0.7964% | 2,978 |
| Net interest margin | 3.1226% | 5,891 |
| Noninterest income to average assets | 0.4274% | 4,424 |
| Noninterest expense to average assets | 2.2936% | 5,698 |
| Loan and lease loss provision to assets | 0.0662% | 4,865 |
| Net operating income to assets | 0.9552% | 2,723 |
| Return on assets (ROA) | 0.9552% | 2,945 |
| Pretax return on assets | 0.9552% | 3,894 |
| Return on Equity (ROE) | 10.6369% | 2,082 |
| Retained earnings to average equity (ytd only) | 10.1006% | 888 |
| Net charge-offs to loans | -0.1648% | 6,958 |
| Credit loss provision to net charge-offs | -113.7931% | 6,261 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1889% | 3,847 |
| Assets per employee ($millions) | 4.6660% | 2,647 |
| Cash dividends to net income (ytd only)* | 5.0421% | 3,603 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.7262% | 958 |
| Loan loss allowance to noncurrent loans | 58.0090% | 4,751 |
| Noncurrent assets plus other real estate owned to assets | 1.6502% | 3,106 |
| Noncurrent loans to loans | 4.6995% | 990 |
| Net loans and leases to total assets | 32.6790% | 6,716 |
| Net loans and leases to deposits | 37.4521% | 6,771 |
| Net loans and leases to core deposits | 38.0300% | 6,811 |
| Total domestic deposits to total assets | 87.2553% | 2,526 |
| Equity capital to assets | 9.1985% | 5,596 |
| Core capital (leverage) ratio | 8.2398% | 6,092 |
| Tier 1 risk-based capital ratio | 16.3435% | 3,089 |
| Total risk-based capital ratio | 17.6021% | 3,048 |
| Memoranda: |
| Average total assets | $66,443,750 | 5,796 |
| Average earning assets | $61,444,000 | 5,754 |
| Average equity | $5,966,500 | 6,100 |
| Average total loans | $23,464,750 | 6,353 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0434% | 5,507 |
| Cost of funding earning assets | 0.8280% | 2,970 |
| Net interest margin | 3.2154% | 5,690 |
| Noninterest income to average assets | 0.4198% | 4,503 |
| Noninterest expense to average assets | 2.3138% | 5,694 |
| Loan and lease loss provision to assets | 0.1011% | 4,264 |
| Net operating income to assets | 0.9684% | 2,589 |
| Return on assets (ROA) | 0.9684% | 2,833 |
| Pretax return on assets | 0.9684% | 3,824 |
| Return on Equity (ROE) | 10.8791% | 2,026 |
| Retained earnings to average equity (ytd only) | 10.0528% | 960 |
| Net charge-offs to loans | 0.0256% | 5,027 |
| Credit loss provision to net charge-offs | 1,100.0000% | 300 |
| Earnings coverage of net charge-offs (x) | 116.3333% | 375 |
| Efficiency ratio | 68.3877% | 4,055 |
| Assets per employee ($millions) | 4.3736% | 3,130 |
| Cash dividends to net income (ytd only)* | 7.5949% | 3,365 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.6549% | 1,095 |
| Loan loss allowance to noncurrent loans | 54.4315% | 4,888 |
| Noncurrent assets plus other real estate owned to assets | 1.8124% | 3,021 |
| Noncurrent loans to loans | 4.8775% | 1,030 |
| Net loans and leases to total assets | 33.9812% | 6,724 |
| Net loans and leases to deposits | 38.0784% | 6,801 |
| Net loans and leases to core deposits | 38.8603% | 6,836 |
| Total domestic deposits to total assets | 89.2400% | 1,364 |
| Equity capital to assets | 9.2464% | 5,408 |
| Core capital (leverage) ratio | 8.1394% | 6,111 |
| Tier 1 risk-based capital ratio | 15.5436% | 3,414 |
| Total risk-based capital ratio | 16.8003% | 3,367 |
| Memoranda: |
| Average total assets | $65,261,670 | 5,876 |
| Average earning assets | $60,148,000 | 5,838 |
| Average equity | $5,809,330 | 6,169 |
| Average total loans | $23,448,670 | 6,399 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0334% | 5,658 |
| Cost of funding earning assets | 0.8453% | 3,100 |
| Net interest margin | 3.1882% | 5,814 |
| Noninterest income to average assets | 0.3749% | 4,857 |
| Noninterest expense to average assets | 2.2983% | 5,773 |
| Loan and lease loss provision to assets | 0.0922% | 4,199 |
| Net operating income to assets | 0.9279% | 2,794 |
| Return on assets (ROA) | 0.9279% | 3,000 |
| Pretax return on assets | 0.9279% | 3,936 |
| Return on Equity (ROE) | 10.6319% | 2,170 |
| Retained earnings to average equity (ytd only) | 10.6319% | 1,129 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2593% | 3,938 |
| Assets per employee ($millions) | 4.4007% | 3,190 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4815% | 1,384 |
| Loan loss allowance to noncurrent loans | 483.7398% | 705 |
| Noncurrent assets plus other real estate owned to assets | 0.2984% | 6,147 |
| Noncurrent loans to loans | 0.5130% | 5,643 |
| Net loans and leases to total assets | 35.4214% | 6,661 |
| Net loans and leases to deposits | 39.3776% | 6,767 |
| Net loans and leases to core deposits | 39.7626% | 6,822 |
| Total domestic deposits to total assets | 89.9532% | 1,114 |
| Equity capital to assets | 8.5622% | 6,028 |
| Core capital (leverage) ratio | 8.0621% | 6,197 |
| Tier 1 risk-based capital ratio | 14.9949% | 3,767 |
| Total risk-based capital ratio | 16.2520% | 3,718 |
| Memoranda: |
| Average total assets | $65,090,500 | 5,915 |
| Average earning assets | $60,097,500 | 5,871 |
| Average equity | $5,681,000 | 6,234 |
| Average total loans | $23,722,500 | 6,434 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6243% | 4,571 |
| Cost of funding earning assets | 1.0988% | 2,684 |
| Net interest margin | 3.5255% | 5,043 |
| Noninterest income to average assets | 0.4973% | 3,864 |
| Noninterest expense to average assets | 2.7169% | 4,682 |
| Loan and lease loss provision to assets | 0.0866% | 5,516 |
| Net operating income to assets | 0.9183% | 2,532 |
| Return on assets (ROA) | 0.9894% | 2,382 |
| Pretax return on assets | 0.9894% | 3,278 |
| Return on Equity (ROE) | 11.5135% | 1,552 |
| Retained earnings to average equity (ytd only) | 10.3037% | 510 |
| Net charge-offs to loans | 0.2000% | 4,540 |
| Credit loss provision to net charge-offs | 102.0408% | 3,399 |
| Earnings coverage of net charge-offs (x) | 11.8367% | 1,678 |
| Efficiency ratio | 72.9981% | 3,391 |
| Assets per employee ($millions) | 4.9362% | 2,296 |
| Cash dividends to net income (ytd only)* | 10.5079% | 3,849 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4672% | 1,360 |
| Loan loss allowance to noncurrent loans | 474.5902% | 722 |
| Noncurrent assets plus other real estate owned to assets | 0.3179% | 6,181 |
| Noncurrent loans to loans | 0.5199% | 5,672 |
| Net loans and leases to total assets | 35.6693% | 6,785 |
| Net loans and leases to deposits | 40.3096% | 6,870 |
| Net loans and leases to core deposits | 40.3096% | 6,934 |
| Total domestic deposits to total assets | 88.4884% | 1,858 |
| Equity capital to assets | 8.8982% | 5,677 |
| Core capital (leverage) ratio | 8.1494% | 6,073 |
| Tier 1 risk-based capital ratio | 15.2087% | 3,506 |
| Total risk-based capital ratio | 16.4645% | 3,467 |
| Memoranda: |
| Average total assets | $57,712,600 | 6,119 |
| Average earning assets | $52,786,600 | 6,088 |
| Average equity | $4,959,400 | 6,457 |
| Average total loans | $24,500,400 | 6,447 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7409% | 4,276 |
| Cost of funding earning assets | 1.1605% | 2,567 |
| Net interest margin | 3.5804% | 4,849 |
| Noninterest income to average assets | 0.5110% | 3,790 |
| Noninterest expense to average assets | 2.7855% | 4,396 |
| Loan and lease loss provision to assets | 0.1070% | 5,101 |
| Net operating income to assets | 0.8889% | 2,781 |
| Return on assets (ROA) | 0.9863% | 2,524 |
| Pretax return on assets | 0.9863% | 3,452 |
| Return on Equity (ROE) | 11.5957% | 1,648 |
| Retained earnings to average equity (ytd only) | 9.9192% | 864 |
| Net charge-offs to loans | -0.0162% | 6,861 |
| Credit loss provision to net charge-offs | -1,500.0000% | 6,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6644% | 3,247 |
| Assets per employee ($millions) | 4.5492% | 2,846 |
| Cash dividends to net income (ytd only)* | 14.4582% | 3,144 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.5746% | 1,302 |
| Loan loss allowance to noncurrent loans | 398.7261% | 812 |
| Noncurrent assets plus other real estate owned to assets | 0.4650% | 5,926 |
| Noncurrent loans to loans | 0.6457% | 5,595 |
| Net loans and leases to total assets | 40.0548% | 6,622 |
| Net loans and leases to deposits | 45.8244% | 6,744 |
| Net loans and leases to core deposits | 45.8244% | 6,850 |
| Total domestic deposits to total assets | 87.4093% | 2,402 |
| Equity capital to assets | 9.4963% | 5,095 |
| Core capital (leverage) ratio | 8.4888% | 5,727 |
| Tier 1 risk-based capital ratio | 15.3175% | 3,484 |
| Total risk-based capital ratio | 16.5755% | 3,446 |
| Memoranda: |
| Average total assets | $56,098,250 | 6,208 |
| Average earning assets | $51,240,750 | 6,194 |
| Average equity | $4,771,750 | 6,567 |
| Average total loans | $24,758,500 | 6,494 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8355% | 3,928 |
| Cost of funding earning assets | 1.2188% | 2,448 |
| Net interest margin | 3.6166% | 4,657 |
| Noninterest income to average assets | 0.5083% | 3,793 |
| Noninterest expense to average assets | 2.8792% | 4,107 |
| Loan and lease loss provision to assets | 0.1089% | 4,938 |
| Net operating income to assets | 0.8169% | 3,002 |
| Return on assets (ROA) | 1.0166% | 2,253 |
| Pretax return on assets | 1.0166% | 3,174 |
| Return on Equity (ROE) | 12.4712% | 1,352 |
| Retained earnings to average equity (ytd only) | 9.7988% | 896 |
| Net charge-offs to loans | -0.0241% | 6,866 |
| Credit loss provision to net charge-offs | -1,000.0000% | 6,582 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6679% | 3,077 |
| Assets per employee ($millions) | 3.7934% | 4,212 |
| Cash dividends to net income (ytd only)* | 21.4286% | 2,796 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4648% | 1,504 |
| Loan loss allowance to noncurrent loans | 517.7966% | 645 |
| Noncurrent assets plus other real estate owned to assets | 0.4271% | 6,076 |
| Noncurrent loans to loans | 0.4760% | 5,953 |
| Net loans and leases to total assets | 42.4913% | 6,563 |
| Net loans and leases to deposits | 48.3338% | 6,709 |
| Net loans and leases to core deposits | 48.3338% | 6,842 |
| Total domestic deposits to total assets | 87.9123% | 2,195 |
| Equity capital to assets | 8.8311% | 5,779 |
| Core capital (leverage) ratio | 8.4557% | 5,620 |
| Tier 1 risk-based capital ratio | 15.9619% | 2,990 |
| Total risk-based capital ratio | 17.2223% | 2,955 |
| Memoranda: |
| Average total assets | $55,084,670 | 6,291 |
| Average earning assets | $50,212,330 | 6,284 |
| Average equity | $4,490,330 | 6,680 |
| Average total loans | $24,906,670 | 6,544 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8111% | 4,009 |
| Cost of funding earning assets | 1.2678% | 2,376 |
| Net interest margin | 3.5433% | 4,837 |
| Noninterest income to average assets | 0.4430% | 4,338 |
| Noninterest expense to average assets | 2.7909% | 4,482 |
| Loan and lease loss provision to assets | 0.1107% | 4,629 |
| Net operating income to assets | 0.7605% | 3,220 |
| Return on assets (ROA) | 0.7605% | 3,283 |
| Pretax return on assets | 0.7605% | 4,055 |
| Return on Equity (ROE) | 9.7561% | 2,186 |
| Retained earnings to average equity (ytd only) | 9.7561% | 1,167 |
| Net charge-offs to loans | -0.0481% | 6,870 |
| Credit loss provision to net charge-offs | -500.0000% | 5,952 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2097% | 3,127 |
| Assets per employee ($millions) | 3.7100% | 4,511 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3952% | 1,609 |
| Loan loss allowance to noncurrent loans | 356.8862% | 873 |
| Noncurrent assets plus other real estate owned to assets | 0.7493% | 5,431 |
| Noncurrent loans to loans | 0.6711% | 5,688 |
| Net loans and leases to total assets | 43.6424% | 6,495 |
| Net loans and leases to deposits | 49.0379% | 6,686 |
| Net loans and leases to core deposits | 49.0379% | 6,832 |
| Total domestic deposits to total assets | 88.9973% | 1,774 |
| Equity capital to assets | 7.6855% | 6,759 |
| Core capital (leverage) ratio | 8.6133% | 5,245 |
| Tier 1 risk-based capital ratio | 15.2356% | 3,296 |
| Total risk-based capital ratio | 16.4959% | 3,250 |
| Memoranda: |
| Average total assets | $54,176,500 | 6,368 |
| Average earning assets | $49,220,000 | 6,369 |
| Average equity | $4,223,000 | 6,800 |
| Average total loans | $24,965,500 | 6,588 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3521% | 2,886 |
| Cost of funding earning assets | 1.5704% | 2,241 |
| Net interest margin | 3.7818% | 4,017 |
| Noninterest income to average assets | 0.4982% | 4,184 |
| Noninterest expense to average assets | 2.9928% | 3,874 |
| Loan and lease loss provision to assets | 0.1168% | 5,990 |
| Net operating income to assets | 0.8095% | 2,756 |
| Return on assets (ROA) | 0.8134% | 2,874 |
| Pretax return on assets | 0.8134% | 3,585 |
| Return on Equity (ROE) | 9.0410% | 2,271 |
| Retained earnings to average equity (ytd only) | 9.0410% | 689 |
| Net charge-offs to loans | 0.1534% | 5,430 |
| Credit loss provision to net charge-offs | 153.8462% | 2,306 |
| Earnings coverage of net charge-offs (x) | 12.2051% | 1,530 |
| Efficiency ratio | 76.3654% | 2,995 |
| Assets per employee ($millions) | 3.5135% | 4,906 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3076% | 1,682 |
| Loan loss allowance to noncurrent loans | 324.7191% | 948 |
| Noncurrent assets plus other real estate owned to assets | 0.8861% | 5,242 |
| Noncurrent loans to loans | 0.7106% | 5,630 |
| Net loans and leases to total assets | 46.4300% | 6,519 |
| Net loans and leases to deposits | 52.4118% | 6,715 |
| Net loans and leases to core deposits | 52.4118% | 6,884 |
| Total domestic deposits to total assets | 88.5870% | 1,900 |
| Equity capital to assets | 7.9104% | 6,569 |
| Core capital (leverage) ratio | 8.5418% | 5,284 |
| Tier 1 risk-based capital ratio | 14.8507% | 3,338 |
| Total risk-based capital ratio | 16.1073% | 3,292 |
| Memoranda: |
| Average total assets | $51,389,600 | 6,487 |
| Average earning assets | $46,486,000 | 6,496 |
| Average equity | $4,623,400 | 6,778 |
| Average total loans | $25,421,400 | 6,642 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4416% | 2,681 |
| Cost of funding earning assets | 1.6125% | 2,323 |
| Net interest margin | 3.8291% | 3,851 |
| Noninterest income to average assets | 0.5040% | 4,150 |
| Noninterest expense to average assets | 3.0211% | 3,671 |
| Loan and lease loss provision to assets | 0.1175% | 5,856 |
| Net operating income to assets | 0.8251% | 2,897 |
| Return on assets (ROA) | 0.8304% | 3,014 |
| Pretax return on assets | 0.8304% | 3,800 |
| Return on Equity (ROE) | 8.9506% | 2,509 |
| Retained earnings to average equity (ytd only) | 8.9506% | 1,070 |
| Net charge-offs to loans | -0.0732% | 7,511 |
| Credit loss provision to net charge-offs | -321.4286% | 6,983 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2187% | 2,903 |
| Assets per employee ($millions) | 3.4831% | 5,019 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4739% | 1,367 |
| Loan loss allowance to noncurrent loans | 334.7826% | 886 |
| Noncurrent assets plus other real estate owned to assets | 0.9646% | 5,156 |
| Noncurrent loans to loans | 0.7390% | 5,725 |
| Net loans and leases to total assets | 46.4792% | 6,654 |
| Net loans and leases to deposits | 53.6011% | 6,794 |
| Net loans and leases to core deposits | 53.6011% | 6,977 |
| Total domestic deposits to total assets | 86.7131% | 2,689 |
| Equity capital to assets | 9.7192% | 4,517 |
| Core capital (leverage) ratio | 8.5095% | 5,486 |
| Tier 1 risk-based capital ratio | 14.9146% | 3,295 |
| Total risk-based capital ratio | 16.1747% | 3,274 |
| Memoranda: |
| Average total assets | $51,061,250 | 6,570 |
| Average earning assets | $46,137,000 | 6,587 |
| Average equity | $4,737,000 | 6,832 |
| Average total loans | $25,514,750 | 6,724 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5398% | 2,370 |
| Cost of funding earning assets | 1.6707% | 2,280 |
| Net interest margin | 3.8692% | 3,594 |
| Noninterest income to average assets | 0.5053% | 4,073 |
| Noninterest expense to average assets | 3.0553% | 3,498 |
| Loan and lease loss provision to assets | 0.1184% | 5,711 |
| Net operating income to assets | 0.8329% | 2,812 |
| Return on assets (ROA) | 0.8408% | 2,931 |
| Pretax return on assets | 0.8408% | 3,738 |
| Return on Equity (ROE) | 9.2141% | 2,382 |
| Retained earnings to average equity (ytd only) | 9.2141% | 1,043 |
| Net charge-offs to loans | -0.0933% | 7,543 |
| Credit loss provision to net charge-offs | -250.0000% | 6,749 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2562% | 3,030 |
| Assets per employee ($millions) | 3.3415% | 5,328 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3806% | 1,454 |
| Loan loss allowance to noncurrent loans | 721.6867% | 462 |
| Noncurrent assets plus other real estate owned to assets | 0.8818% | 5,358 |
| Noncurrent loans to loans | 0.3299% | 6,567 |
| Net loans and leases to total assets | 49.0064% | 6,545 |
| Net loans and leases to deposits | 56.4083% | 6,689 |
| Net loans and leases to core deposits | 56.4083% | 6,917 |
| Total domestic deposits to total assets | 86.8780% | 2,603 |
| Equity capital to assets | 9.3831% | 4,884 |
| Core capital (leverage) ratio | 8.4981% | 5,411 |
| Tier 1 risk-based capital ratio | 14.7459% | 3,300 |
| Total risk-based capital ratio | 16.0054% | 3,266 |
| Memoranda: |
| Average total assets | $50,666,000 | 6,630 |
| Average earning assets | $45,849,670 | 6,640 |
| Average equity | $4,623,330 | 6,897 |
| Average total loans | $25,719,670 | 6,758 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4263% | 2,914 |
| Cost of funding earning assets | 1.7076% | 2,352 |
| Net interest margin | 3.7186% | 4,155 |
| Noninterest income to average assets | 0.4869% | 4,148 |
| Noninterest expense to average assets | 3.0547% | 3,459 |
| Loan and lease loss provision to assets | 0.1178% | 5,424 |
| Net operating income to assets | 0.6832% | 3,508 |
| Return on assets (ROA) | 0.6989% | 3,557 |
| Pretax return on assets | 0.6989% | 4,237 |
| Return on Equity (ROE) | 7.7670% | 2,992 |
| Retained earnings to average equity (ytd only) | 7.7670% | 1,807 |
| Net charge-offs to loans | -0.1692% | 7,642 |
| Credit loss provision to net charge-offs | -136.3636% | 6,088 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.2261% | 2,681 |
| Assets per employee ($millions) | 3.4364% | 5,190 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2526% | 1,656 |
| Loan loss allowance to noncurrent loans | 135.8974% | 2,055 |
| Noncurrent assets plus other real estate owned to assets | 1.2726% | 4,629 |
| Noncurrent loans to loans | 1.6576% | 4,260 |
| Net loans and leases to total assets | 49.0785% | 6,568 |
| Net loans and leases to deposits | 56.2803% | 6,753 |
| Net loans and leases to core deposits | 56.2803% | 6,976 |
| Total domestic deposits to total assets | 87.2037% | 2,528 |
| Equity capital to assets | 9.1879% | 5,002 |
| Core capital (leverage) ratio | 8.2235% | 5,875 |
| Tier 1 risk-based capital ratio | 13.9898% | 3,659 |
| Total risk-based capital ratio | 15.2473% | 3,621 |
| Memoranda: |
| Average total assets | $50,938,000 | 6,703 |
| Average earning assets | $46,146,000 | 6,701 |
| Average equity | $4,583,500 | 6,983 |
| Average total loans | $25,998,500 | 6,826 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6360% | 3,412 |
| Cost of funding earning assets | 2.1129% | 2,402 |
| Net interest margin | 3.5231% | 4,853 |
| Noninterest income to average assets | 0.5010% | 4,401 |
| Noninterest expense to average assets | 3.3508% | 2,830 |
| Loan and lease loss provision to assets | 0.1202% | 6,441 |
| Net operating income to assets | 0.2245% | 4,823 |
| Return on assets (ROA) | 0.4469% | 4,061 |
| Pretax return on assets | 0.4469% | 4,361 |
| Return on Equity (ROE) | 4.8298% | 3,749 |
| Retained earnings to average equity (ytd only) | -4.6782% | 5,982 |
| Net charge-offs to loans | 0.2681% | 4,941 |
| Credit loss provision to net charge-offs | 90.9091% | 5,972 |
| Earnings coverage of net charge-offs (x) | 2.6061% | 3,812 |
| Efficiency ratio | 90.6725% | 1,658 |
| Assets per employee ($millions) | 3.1456% | 5,874 |
| Cash dividends to net income (ytd only)* | 196.8610% | 200 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1328% | 1,767 |
| Loan loss allowance to noncurrent loans | 159.5989% | 1,821 |
| Noncurrent assets plus other real estate owned to assets | 1.1464% | 4,801 |
| Noncurrent loans to loans | 1.3363% | 4,689 |
| Net loans and leases to total assets | 50.7828% | 6,551 |
| Net loans and leases to deposits | 58.0385% | 6,784 |
| Net loans and leases to core deposits | 64.0239% | 7,088 |
| Total domestic deposits to total assets | 87.4985% | 2,220 |
| Equity capital to assets | 8.8039% | 5,432 |
| Core capital (leverage) ratio | 8.0157% | 6,158 |
| Tier 1 risk-based capital ratio | 13.8307% | 3,613 |
| Total risk-based capital ratio | 15.0871% | 3,547 |
| Memoranda: |
| Average total assets | $49,898,200 | 6,706 |
| Average earning assets | $45,244,800 | 6,715 |
| Average equity | $4,617,200 | 7,075 |
| Average total loans | $24,621,600 | 6,939 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6571% | 3,533 |
| Cost of funding earning assets | 2.1749% | 2,531 |
| Net interest margin | 3.4822% | 4,938 |
| Noninterest income to average assets | 0.4954% | 4,521 |
| Noninterest expense to average assets | 2.5600% | 5,856 |
| Loan and lease loss provision to assets | 0.1205% | 6,158 |
| Net operating income to assets | 0.9747% | 2,148 |
| Return on assets (ROA) | 0.9747% | 2,201 |
| Pretax return on assets | 0.9747% | 2,977 |
| Return on Equity (ROE) | 10.4062% | 1,787 |
| Retained earnings to average equity (ytd only) | -2.1442% | 5,752 |
| Net charge-offs to loans | 0.0440% | 6,291 |
| Credit loss provision to net charge-offs | 562.5000% | 689 |
| Earnings coverage of net charge-offs (x) | 51.1078% | 617 |
| Efficiency ratio | 70.0366% | 4,582 |
| Assets per employee ($millions) | 3.1676% | 5,735 |
| Cash dividends to net income (ytd only)* | 120.6050% | 400 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4586% | 1,100 |
| Loan loss allowance to noncurrent loans | 156.2500% | 1,838 |
| Noncurrent assets plus other real estate owned to assets | 1.1582% | 4,761 |
| Noncurrent loans to loans | 1.5735% | 4,278 |
| Net loans and leases to total assets | 46.9674% | 7,035 |
| Net loans and leases to deposits | 55.0076% | 7,146 |
| Net loans and leases to core deposits | 61.2022% | 7,356 |
| Total domestic deposits to total assets | 85.3834% | 3,035 |
| Equity capital to assets | 9.8931% | 4,220 |
| Core capital (leverage) ratio | 8.4197% | 5,637 |
| Tier 1 risk-based capital ratio | 16.0033% | 2,628 |
| Total risk-based capital ratio | 17.2642% | 2,556 |
| Memoranda: |
| Average total assets | $49,790,250 | 6,769 |
| Average earning assets | $45,180,750 | 6,767 |
| Average equity | $4,663,750 | 7,122 |
| Average total loans | $24,248,000 | 7,018 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7361% | 3,366 |
| Cost of funding earning assets | 2.2233% | 2,692 |
| Net interest margin | 3.5128% | 4,746 |
| Noninterest income to average assets | 0.4768% | 4,656 |
| Noninterest expense to average assets | 2.4771% | 6,192 |
| Loan and lease loss provision to assets | 0.1212% | 5,906 |
| Net operating income to assets | 1.0709% | 1,870 |
| Return on assets (ROA) | 1.0709% | 1,948 |
| Pretax return on assets | 1.0709% | 2,736 |
| Return on Equity (ROE) | 11.6560% | 1,519 |
| Retained earnings to average equity (ytd only) | -7.0816% | 6,571 |
| Net charge-offs to loans | 0.1818% | 4,432 |
| Credit loss provision to net charge-offs | 136.3636% | 3,422 |
| Earnings coverage of net charge-offs (x) | 13.4091% | 1,743 |
| Efficiency ratio | 67.5110% | 5,253 |
| Assets per employee ($millions) | 3.1474% | 5,723 |
| Cash dividends to net income (ytd only)* | 160.7547% | 328 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3942% | 1,000 |
| Loan loss allowance to noncurrent loans | 114.4289% | 2,565 |
| Noncurrent assets plus other real estate owned to assets | 1.0664% | 4,835 |
| Noncurrent loans to loans | 2.0923% | 3,391 |
| Net loans and leases to total assets | 46.2250% | 7,179 |
| Net loans and leases to deposits | 53.1001% | 7,330 |
| Net loans and leases to core deposits | 58.9287% | 7,489 |
| Total domestic deposits to total assets | 87.0527% | 2,229 |
| Equity capital to assets | 9.2101% | 5,002 |
| Core capital (leverage) ratio | 8.2590% | 5,870 |
| Tier 1 risk-based capital ratio | 16.4922% | 2,448 |
| Total risk-based capital ratio | 17.7547% | 2,388 |
| Memoranda: |
| Average total assets | $49,493,000 | 6,852 |
| Average earning assets | $44,978,670 | 6,840 |
| Average equity | $4,547,000 | 7,227 |
| Average total loans | $24,196,000 | 7,071 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.9533% | 2,550 |
| Cost of funding earning assets | 2.2448% | 2,938 |
| Net interest margin | 3.7085% | 3,858 |
| Noninterest income to average assets | 0.4566% | 4,707 |
| Noninterest expense to average assets | 2.5927% | 5,485 |
| Loan and lease loss provision to assets | 0.1223% | 5,399 |
| Net operating income to assets | 1.1088% | 1,928 |
| Return on assets (ROA) | 1.1088% | 2,057 |
| Pretax return on assets | 1.1088% | 2,952 |
| Return on Equity (ROE) | 12.0849% | 1,636 |
| Retained earnings to average equity (ytd only) | -25.7692% | 7,782 |
| Net charge-offs to loans | 0.0657% | 4,550 |
| Credit loss provision to net charge-offs | 375.0000% | 1,366 |
| Earnings coverage of net charge-offs (x) | 37.7500% | 889 |
| Efficiency ratio | 67.8038% | 5,001 |
| Assets per employee ($millions) | 3.1069% | 5,875 |
| Cash dividends to net income (ytd only)* | 313.2353% | 146 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3798% | 873 |
| Loan loss allowance to noncurrent loans | 85.9281% | 3,462 |
| Noncurrent assets plus other real estate owned to assets | 1.3860% | 3,869 |
| Noncurrent loans to loans | 2.7695% | 2,371 |
| Net loans and leases to total assets | 47.3658% | 7,076 |
| Net loans and leases to deposits | 54.2197% | 7,274 |
| Net loans and leases to core deposits | 59.0806% | 7,489 |
| Total domestic deposits to total assets | 87.3589% | 2,031 |
| Equity capital to assets | 8.8793% | 5,513 |
| Core capital (leverage) ratio | 8.1796% | 6,144 |
| Tier 1 risk-based capital ratio | 16.6299% | 2,472 |
| Total risk-based capital ratio | 17.8938% | 2,393 |
| Memoranda: |
| Average total assets | $49,060,500 | 6,903 |
| Average earning assets | $44,546,500 | 6,897 |
| Average equity | $4,501,500 | 7,288 |
| Average total loans | $24,369,500 | 7,109 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.2123% | 4,451 |
| Cost of funding earning assets | 2.5592% | 3,908 |
| Net interest margin | 3.6530% | 4,663 |
| Noninterest income to average assets | 0.5871% | 3,952 |
| Noninterest expense to average assets | 2.7350% | 5,114 |
| Loan and lease loss provision to assets | 0.1267% | 5,743 |
| Net operating income to assets | 1.0053% | 2,536 |
| Return on assets (ROA) | 1.1848% | 1,755 |
| Pretax return on assets | 1.1848% | 2,703 |
| Return on Equity (ROE) | 12.3248% | 1,506 |
| Retained earnings to average equity (ytd only) | -2.2409% | 5,935 |
| Net charge-offs to loans | 0.1583% | 4,612 |
| Credit loss provision to net charge-offs | 162.1622% | 3,187 |
| Earnings coverage of net charge-offs (x) | 14.4865% | 2,033 |
| Efficiency ratio | 70.7264% | 4,191 |
| Assets per employee ($millions) | 3.0256% | 5,999 |
| Cash dividends to net income (ytd only)* | 118.1818% | 703 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2869% | 868 |
| Loan loss allowance to noncurrent loans | 108.4778% | 3,202 |
| Noncurrent assets plus other real estate owned to assets | 1.0721% | 4,150 |
| Noncurrent loans to loans | 2.1081% | 2,623 |
| Net loans and leases to total assets | 49.6922% | 7,055 |
| Net loans and leases to deposits | 58.7018% | 7,167 |
| Net loans and leases to core deposits | 63.8463% | 7,452 |
| Total domestic deposits to total assets | 84.6519% | 3,005 |
| Equity capital to assets | 9.4794% | 4,717 |
| Core capital (leverage) ratio | 9.0177% | 4,716 |
| Tier 1 risk-based capital ratio | 17.9284% | 2,057 |
| Total risk-based capital ratio | 19.1907% | 1,998 |
| Memoranda: |
| Average total assets | $47,349,600 | 6,886 |
| Average earning assets | $42,512,600 | 6,925 |
| Average equity | $4,551,800 | 7,311 |
| Average total loans | $23,369,400 | 7,116 |
