| 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 | 4.5226% | 1,468 |
| Cost of funding earning assets | 0.3990% | 3,287 |
| Net interest margin | 4.1237% | 1,292 |
| Noninterest income to average assets | 0.2151% | 5,407 |
| Noninterest expense to average assets | 3.2389% | 1,870 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.5453% | 4,576 |
| Return on assets (ROA) | 0.5453% | 4,687 |
| Pretax return on assets | 0.9812% | 3,660 |
| Return on Equity (ROE) | 3.8568% | 5,072 |
| Retained earnings to average equity (ytd only) | 3.8568% | 3,550 |
| Net charge-offs to loans | 0.0516% | 2,684 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 23.6574% | 1,602 |
| Efficiency ratio | 76.7495% | 2,237 |
| Assets per employee ($millions) | 7.1619% | 777 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3687% | 2,898 |
| Loan loss allowance to noncurrent loans | 273.5010% | 1,740 |
| Noncurrent assets plus other real estate owned to assets | 0.4010% | 4,298 |
| Noncurrent loans to loans | 0.5004% | 3,963 |
| Net loans and leases to total assets | 79.0410% | 936 |
| Net loans and leases to deposits | 93.2325% | 1,227 |
| Net loans and leases to core deposits | 101.0071% | 1,404 |
| Total domestic deposits to total assets | 84.7783% | 3,224 |
| Equity capital to assets | 14.4167% | 840 |
| Core capital (leverage) ratio | 14.3732% | 745 |
| Tier 1 risk-based capital ratio | 18.5550% | 1,906 |
| Total risk-based capital ratio | 19.8071% | 1,867 |
| Memoranda: |
| Average total assets | $520,790,000 | 1,310 |
| Average earning assets | $505,811,330 | 1,247 |
| Average equity | $73,636,670 | 1,047 |
| Average total loans | $418,410,000 | 1,095 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4371% | 1,640 |
| Cost of funding earning assets | 0.3941% | 3,371 |
| Net interest margin | 4.0430% | 1,428 |
| Noninterest income to average assets | 0.2117% | 5,437 |
| Noninterest expense to average assets | 2.6001% | 3,922 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.8568% | 2,978 |
| Return on assets (ROA) | 0.8568% | 3,096 |
| Pretax return on assets | 1.5401% | 1,424 |
| Return on Equity (ROE) | 6.1186% | 3,972 |
| Retained earnings to average equity (ytd only) | 6.1186% | 2,421 |
| Net charge-offs to loans | 0.1017% | 1,708 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 18.8318% | 1,472 |
| Efficiency ratio | 62.8023% | 4,654 |
| Assets per employee ($millions) | 7.1002% | 823 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3540% | 3,130 |
| Loan loss allowance to noncurrent loans | 253.5634% | 1,834 |
| Noncurrent assets plus other real estate owned to assets | 0.4304% | 4,315 |
| Noncurrent loans to loans | 0.5340% | 3,975 |
| Net loans and leases to total assets | 79.5152% | 739 |
| Net loans and leases to deposits | 93.1240% | 1,076 |
| Net loans and leases to core deposits | 101.1647% | 1,244 |
| Total domestic deposits to total assets | 85.3863% | 3,228 |
| Equity capital to assets | 14.2471% | 907 |
| Core capital (leverage) ratio | 14.2422% | 753 |
| Tier 1 risk-based capital ratio | 18.2305% | 2,075 |
| Total risk-based capital ratio | 19.4824% | 2,031 |
| Memoranda: |
| Average total assets | $523,356,000 | 1,308 |
| Average earning assets | $508,527,000 | 1,249 |
| Average equity | $73,284,500 | 1,053 |
| Average total loans | $420,996,500 | 1,090 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7044% | 1,298 |
| Cost of funding earning assets | 0.3973% | 3,722 |
| Net interest margin | 4.3072% | 1,046 |
| Noninterest income to average assets | 0.2197% | 5,543 |
| Noninterest expense to average assets | 2.2751% | 5,173 |
| Loan and lease loss provision to assets | 0.0564% | 3,423 |
| Net operating income to assets | 1.1029% | 1,962 |
| Return on assets (ROA) | 1.1029% | 2,018 |
| Pretax return on assets | 2.0581% | 457 |
| Return on Equity (ROE) | 7.7661% | 3,240 |
| Retained earnings to average equity (ytd only) | 7.7661% | 1,103 |
| Net charge-offs to loans | 0.0599% | 3,642 |
| Credit loss provision to net charge-offs | 111.6466% | 2,135 |
| Earnings coverage of net charge-offs (x) | 41.8635% | 1,042 |
| Efficiency ratio | 51.8299% | 5,994 |
| Assets per employee ($millions) | 7.0453% | 827 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3588% | 3,140 |
| Loan loss allowance to noncurrent loans | 255.2702% | 1,870 |
| Noncurrent assets plus other real estate owned to assets | 0.4273% | 4,395 |
| Noncurrent loans to loans | 0.5323% | 4,065 |
| Net loans and leases to total assets | 79.1891% | 859 |
| Net loans and leases to deposits | 92.3365% | 1,254 |
| Net loans and leases to core deposits | 101.2224% | 1,301 |
| Total domestic deposits to total assets | 85.7615% | 2,961 |
| Equity capital to assets | 13.7631% | 1,042 |
| Core capital (leverage) ratio | 13.9366% | 832 |
| Tier 1 risk-based capital ratio | 17.6790% | 2,247 |
| Total risk-based capital ratio | 18.9310% | 2,218 |
| Memoranda: |
| Average total assets | $492,984,200 | 1,352 |
| Average earning assets | $477,273,800 | 1,279 |
| Average equity | $70,009,800 | 1,049 |
| Average total loans | $415,432,000 | 1,060 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7729% | 1,154 |
| Cost of funding earning assets | 0.3963% | 3,830 |
| Net interest margin | 4.3766% | 917 |
| Noninterest income to average assets | 0.2256% | 5,585 |
| Noninterest expense to average assets | 2.2448% | 5,240 |
| Loan and lease loss provision to assets | 0.0766% | 2,804 |
| Net operating income to assets | 1.1556% | 1,843 |
| Return on assets (ROA) | 1.1556% | 1,904 |
| Pretax return on assets | 2.1379% | 419 |
| Return on Equity (ROE) | 8.0693% | 3,165 |
| Retained earnings to average equity (ytd only) | 8.0693% | 1,325 |
| Net charge-offs to loans | 0.0810% | 3,043 |
| Credit loss provision to net charge-offs | 110.7570% | 2,031 |
| Earnings coverage of net charge-offs (x) | 32.0357% | 1,312 |
| Efficiency ratio | 50.3397% | 6,083 |
| Assets per employee ($millions) | 6.4737% | 1,035 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3920% | 3,217 |
| Loan loss allowance to noncurrent loans | 192.3873% | 2,218 |
| Noncurrent assets plus other real estate owned to assets | 0.6087% | 4,014 |
| Noncurrent loans to loans | 0.7235% | 3,797 |
| Net loans and leases to total assets | 82.9621% | 414 |
| Net loans and leases to deposits | 97.6077% | 759 |
| Net loans and leases to core deposits | 108.9664% | 798 |
| Total domestic deposits to total assets | 84.9954% | 3,337 |
| Equity capital to assets | 14.5290% | 847 |
| Core capital (leverage) ratio | 14.6315% | 691 |
| Tier 1 risk-based capital ratio | 17.7033% | 2,316 |
| Total risk-based capital ratio | 18.9557% | 2,275 |
| Memoranda: |
| Average total assets | $484,131,000 | 1,388 |
| Average earning assets | $468,327,750 | 1,321 |
| Average equity | $69,331,250 | 1,063 |
| Average total loans | $413,240,750 | 1,066 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7643% | 1,146 |
| Cost of funding earning assets | 0.3966% | 3,899 |
| Net interest margin | 4.3677% | 905 |
| Noninterest income to average assets | 0.2251% | 5,595 |
| Noninterest expense to average assets | 2.2508% | 5,282 |
| Loan and lease loss provision to assets | 0.1155% | 2,111 |
| Net operating income to assets | 1.1468% | 1,765 |
| Return on assets (ROA) | 1.1468% | 1,852 |
| Pretax return on assets | 2.0859% | 450 |
| Return on Equity (ROE) | 8.0479% | 3,064 |
| Retained earnings to average equity (ytd only) | 8.0479% | 1,312 |
| Net charge-offs to loans | 0.1215% | 2,458 |
| Credit loss provision to net charge-offs | 110.7570% | 1,814 |
| Earnings coverage of net charge-offs (x) | 21.1155% | 1,559 |
| Efficiency ratio | 50.5551% | 6,145 |
| Assets per employee ($millions) | 6.3314% | 1,100 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3823% | 3,440 |
| Loan loss allowance to noncurrent loans | 160.6356% | 2,571 |
| Noncurrent assets plus other real estate owned to assets | 0.7358% | 3,759 |
| Noncurrent loans to loans | 0.8605% | 3,547 |
| Net loans and leases to total assets | 84.3200% | 276 |
| Net loans and leases to deposits | 99.0005% | 602 |
| Net loans and leases to core deposits | 109.8209% | 703 |
| Total domestic deposits to total assets | 85.1712% | 3,423 |
| Equity capital to assets | 14.3683% | 855 |
| Core capital (leverage) ratio | 14.3283% | 751 |
| Tier 1 risk-based capital ratio | 17.1471% | 2,557 |
| Total risk-based capital ratio | 18.3992% | 2,524 |
| Memoranda: |
| Average total assets | $481,507,330 | 1,391 |
| Average earning assets | $466,009,670 | 1,317 |
| Average equity | $68,614,000 | 1,066 |
| Average total loans | $413,008,670 | 1,055 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7586% | 1,126 |
| Cost of funding earning assets | 0.3989% | 3,980 |
| Net interest margin | 4.3598% | 877 |
| Noninterest income to average assets | 0.2224% | 5,578 |
| Noninterest expense to average assets | 2.3758% | 4,995 |
| Loan and lease loss provision to assets | 0.2123% | 1,083 |
| Net operating income to assets | 1.0199% | 2,131 |
| Return on assets (ROA) | 1.0199% | 2,197 |
| Pretax return on assets | 1.8558% | 718 |
| Return on Equity (ROE) | 7.1874% | 3,360 |
| Retained earnings to average equity (ytd only) | 7.1874% | 1,942 |
| Net charge-offs to loans | 0.1936% | 1,572 |
| Credit loss provision to net charge-offs | 127.6382% | 1,399 |
| Earnings coverage of net charge-offs (x) | 12.4322% | 1,718 |
| Efficiency ratio | 53.4612% | 6,058 |
| Assets per employee ($millions) | 6.3260% | 1,100 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4019% | 3,591 |
| Loan loss allowance to noncurrent loans | 159.8564% | 2,535 |
| Noncurrent assets plus other real estate owned to assets | 0.7436% | 3,892 |
| Noncurrent loans to loans | 0.8770% | 3,696 |
| Net loans and leases to total assets | 83.6011% | 255 |
| Net loans and leases to deposits | 97.7975% | 556 |
| Net loans and leases to core deposits | 109.4891% | 608 |
| Total domestic deposits to total assets | 85.4838% | 3,622 |
| Equity capital to assets | 14.0641% | 898 |
| Core capital (leverage) ratio | 14.1726% | 767 |
| Tier 1 risk-based capital ratio | 16.9652% | 2,709 |
| Total risk-based capital ratio | 18.2178% | 2,658 |
| Memoranda: |
| Average total assets | $478,501,500 | 1,407 |
| Average earning assets | $463,327,500 | 1,332 |
| Average equity | $67,897,000 | 1,077 |
| Average total loans | $411,094,000 | 1,065 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8624% | 1,173 |
| Cost of funding earning assets | 0.4037% | 4,608 |
| Net interest margin | 4.4587% | 805 |
| Noninterest income to average assets | 0.2511% | 5,548 |
| Noninterest expense to average assets | 2.3154% | 5,328 |
| Loan and lease loss provision to assets | 0.1693% | 2,163 |
| Net operating income to assets | 1.1442% | 1,781 |
| Return on assets (ROA) | 1.1442% | 1,842 |
| Pretax return on assets | 2.0821% | 405 |
| Return on Equity (ROE) | 7.9435% | 3,056 |
| Retained earnings to average equity (ytd only) | 7.9435% | 1,071 |
| Net charge-offs to loans | 0.1579% | 3,222 |
| Credit loss provision to net charge-offs | 125.0396% | 1,899 |
| Earnings coverage of net charge-offs (x) | 16.6276% | 1,787 |
| Efficiency ratio | 50.7001% | 6,371 |
| Assets per employee ($millions) | 6.1829% | 1,153 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4016% | 3,646 |
| Loan loss allowance to noncurrent loans | 156.9083% | 2,581 |
| Noncurrent assets plus other real estate owned to assets | 0.7778% | 3,947 |
| Noncurrent loans to loans | 0.8933% | 3,757 |
| Net loans and leases to total assets | 85.8565% | 163 |
| Net loans and leases to deposits | 100.8408% | 443 |
| Net loans and leases to core deposits | 114.2851% | 466 |
| Total domestic deposits to total assets | 85.1406% | 3,672 |
| Equity capital to assets | 14.3195% | 822 |
| Core capital (leverage) ratio | 14.1898% | 774 |
| Tier 1 risk-based capital ratio | 16.7955% | 2,714 |
| Total risk-based capital ratio | 18.0478% | 2,666 |
| Memoranda: |
| Average total assets | $466,019,800 | 1,419 |
| Average earning assets | $451,074,000 | 1,346 |
| Average equity | $67,123,800 | 1,074 |
| Average total loans | $399,553,800 | 1,074 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8623% | 1,208 |
| Cost of funding earning assets | 0.4105% | 4,727 |
| Net interest margin | 4.4519% | 801 |
| Noninterest income to average assets | 0.2557% | 5,609 |
| Noninterest expense to average assets | 2.3191% | 5,276 |
| Loan and lease loss provision to assets | 0.0685% | 3,686 |
| Net operating income to assets | 1.2030% | 1,622 |
| Return on assets (ROA) | 1.2030% | 1,694 |
| Pretax return on assets | 2.1781% | 409 |
| Return on Equity (ROE) | 8.3397% | 2,952 |
| Retained earnings to average equity (ytd only) | 8.3397% | 1,273 |
| Net charge-offs to loans | 0.0326% | 4,483 |
| Credit loss provision to net charge-offs | 246.3918% | 1,001 |
| Earnings coverage of net charge-offs (x) | 80.7836% | 587 |
| Efficiency ratio | 50.7943% | 6,351 |
| Assets per employee ($millions) | 6.0510% | 1,207 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4016% | 3,890 |
| Loan loss allowance to noncurrent loans | 51.3237% | 5,173 |
| Noncurrent assets plus other real estate owned to assets | 2.3609% | 1,662 |
| Noncurrent loans to loans | 2.7310% | 1,545 |
| Net loans and leases to total assets | 85.2383% | 180 |
| Net loans and leases to deposits | 100.3422% | 456 |
| Net loans and leases to core deposits | 113.4205% | 467 |
| Total domestic deposits to total assets | 84.9476% | 3,777 |
| Equity capital to assets | 14.5242% | 821 |
| Core capital (leverage) ratio | 14.5013% | 734 |
| Tier 1 risk-based capital ratio | 17.3200% | 2,574 |
| Total risk-based capital ratio | 18.5727% | 2,543 |
| Memoranda: |
| Average total assets | $465,050,250 | 1,428 |
| Average earning assets | $450,224,250 | 1,360 |
| Average equity | $67,083,000 | 1,076 |
| Average total loans | $397,149,000 | 1,077 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9306% | 1,029 |
| Cost of funding earning assets | 0.4151% | 4,807 |
| Net interest margin | 4.5155% | 694 |
| Noninterest income to average assets | 0.2528% | 5,639 |
| Noninterest expense to average assets | 2.3594% | 5,178 |
| Loan and lease loss provision to assets | 0.0467% | 4,039 |
| Net operating income to assets | 1.2262% | 1,522 |
| Return on assets (ROA) | 1.2262% | 1,627 |
| Pretax return on assets | 2.2194% | 400 |
| Return on Equity (ROE) | 8.5203% | 2,839 |
| Retained earnings to average equity (ytd only) | 8.5203% | 1,279 |
| Net charge-offs to loans | 0.0503% | 3,970 |
| Credit loss provision to net charge-offs | 109.0909% | 2,027 |
| Earnings coverage of net charge-offs (x) | 52.9596% | 770 |
| Efficiency ratio | 51.0092% | 6,354 |
| Assets per employee ($millions) | 5.7791% | 1,360 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4013% | 4,023 |
| Loan loss allowance to noncurrent loans | 49.9196% | 5,209 |
| Noncurrent assets plus other real estate owned to assets | 2.3905% | 1,784 |
| Noncurrent loans to loans | 2.8072% | 1,613 |
| Net loans and leases to total assets | 83.9630% | 238 |
| Net loans and leases to deposits | 98.6207% | 509 |
| Net loans and leases to core deposits | 111.5895% | 499 |
| Total domestic deposits to total assets | 85.1373% | 3,829 |
| Equity capital to assets | 14.3540% | 861 |
| Core capital (leverage) ratio | 14.4788% | 706 |
| Tier 1 risk-based capital ratio | 17.3265% | 2,580 |
| Total risk-based capital ratio | 18.5790% | 2,552 |
| Memoranda: |
| Average total assets | $462,741,000 | 1,436 |
| Average earning assets | $448,102,670 | 1,365 |
| Average equity | $66,593,670 | 1,082 |
| Average total loans | $393,523,670 | 1,090 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9924% | 900 |
| Cost of funding earning assets | 0.4310% | 4,793 |
| Net interest margin | 4.5614% | 606 |
| Noninterest income to average assets | 0.2539% | 5,642 |
| Noninterest expense to average assets | 2.4806% | 4,823 |
| Loan and lease loss provision to assets | 0.0200% | 4,218 |
| Net operating income to assets | 1.1990% | 1,527 |
| Return on assets (ROA) | 1.1990% | 1,637 |
| Pretax return on assets | 2.1702% | 440 |
| Return on Equity (ROE) | 8.3204% | 2,806 |
| Retained earnings to average equity (ytd only) | 8.3204% | 1,632 |
| Net charge-offs to loans | 0.0982% | 2,873 |
| Credit loss provision to net charge-offs | 23.9583% | 2,978 |
| Earnings coverage of net charge-offs (x) | 26.2396% | 1,030 |
| Efficiency ratio | 53.1087% | 6,295 |
| Assets per employee ($millions) | 5.7622% | 1,430 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4011% | 4,224 |
| Loan loss allowance to noncurrent loans | 49.3278% | 5,195 |
| Noncurrent assets plus other real estate owned to assets | 2.4512% | 1,882 |
| Noncurrent loans to loans | 2.8404% | 1,782 |
| Net loans and leases to total assets | 85.0872% | 158 |
| Net loans and leases to deposits | 99.9843% | 354 |
| Net loans and leases to core deposits | 115.5520% | 361 |
| Total domestic deposits to total assets | 85.1006% | 3,991 |
| Equity capital to assets | 14.4403% | 895 |
| Core capital (leverage) ratio | 14.3389% | 709 |
| Tier 1 risk-based capital ratio | 17.2991% | 2,647 |
| Total risk-based capital ratio | 18.5539% | 2,609 |
| Memoranda: |
| Average total assets | $460,058,500 | 1,460 |
| Average earning assets | $445,474,500 | 1,385 |
| Average equity | $66,294,500 | 1,107 |
| Average total loans | $390,974,500 | 1,091 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9221% | 1,767 |
| Cost of funding earning assets | 0.5582% | 4,744 |
| Net interest margin | 4.3640% | 1,244 |
| Noninterest income to average assets | 0.2501% | 5,675 |
| Noninterest expense to average assets | 2.2747% | 5,757 |
| Loan and lease loss provision to assets | 0.0626% | 4,987 |
| Net operating income to assets | 1.1737% | 1,682 |
| Return on assets (ROA) | 1.1737% | 1,852 |
| Pretax return on assets | 2.1246% | 473 |
| Return on Equity (ROE) | 8.0004% | 3,078 |
| Retained earnings to average equity (ytd only) | 2.4774% | 4,486 |
| Net charge-offs to loans | 0.0379% | 5,390 |
| Credit loss provision to net charge-offs | 201.4085% | 1,282 |
| Earnings coverage of net charge-offs (x) | 70.3944% | 523 |
| Efficiency ratio | 50.9808% | 6,523 |
| Assets per employee ($millions) | 5.8849% | 1,371 |
| Cash dividends to net income (ytd only)* | 69.0343% | 1,412 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4332% | 4,001 |
| Loan loss allowance to noncurrent loans | 40.4453% | 5,597 |
| Noncurrent assets plus other real estate owned to assets | 2.9660% | 1,599 |
| Noncurrent loans to loans | 3.5437% | 1,400 |
| Net loans and leases to total assets | 82.4988% | 300 |
| Net loans and leases to deposits | 96.9792% | 566 |
| Net loans and leases to core deposits | 111.4549% | 488 |
| Total domestic deposits to total assets | 85.0686% | 3,831 |
| Equity capital to assets | 14.3804% | 913 |
| Core capital (leverage) ratio | 14.3802% | 699 |
| Tier 1 risk-based capital ratio | 17.7943% | 2,337 |
| Total risk-based capital ratio | 19.0471% | 2,307 |
| Memoranda: |
| Average total assets | $457,034,800 | 1,436 |
| Average earning assets | $441,089,600 | 1,368 |
| Average equity | $67,047,000 | 1,050 |
| Average total loans | $374,957,200 | 1,116 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9507% | 1,830 |
| Cost of funding earning assets | 0.5840% | 4,798 |
| Net interest margin | 4.3667% | 1,303 |
| Noninterest income to average assets | 0.2417% | 5,819 |
| Noninterest expense to average assets | 2.3011% | 5,674 |
| Loan and lease loss provision to assets | 0.0838% | 4,567 |
| Net operating income to assets | 1.1412% | 1,948 |
| Return on assets (ROA) | 1.1412% | 2,138 |
| Pretax return on assets | 2.0694% | 607 |
| Return on Equity (ROE) | 7.7401% | 3,401 |
| Retained earnings to average equity (ytd only) | 7.7401% | 1,733 |
| Net charge-offs to loans | 0.0517% | 4,932 |
| Credit loss provision to net charge-offs | 198.6111% | 1,400 |
| Earnings coverage of net charge-offs (x) | 51.0334% | 742 |
| Efficiency ratio | 51.6609% | 6,481 |
| Assets per employee ($millions) | 5.7793% | 1,391 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4673% | 4,081 |
| Loan loss allowance to noncurrent loans | 34.4476% | 5,919 |
| Noncurrent assets plus other real estate owned to assets | 3.5004% | 1,430 |
| Noncurrent loans to loans | 4.2594% | 1,149 |
| Net loans and leases to total assets | 80.9762% | 433 |
| Net loans and leases to deposits | 95.8531% | 671 |
| Net loans and leases to core deposits | 111.3273% | 527 |
| Total domestic deposits to total assets | 84.4794% | 3,988 |
| Equity capital to assets | 14.9433% | 837 |
| Core capital (leverage) ratio | 14.9158% | 623 |
| Tier 1 risk-based capital ratio | 18.6368% | 2,122 |
| Total risk-based capital ratio | 19.8901% | 2,091 |
| Memoranda: |
| Average total assets | $455,067,250 | 1,462 |
| Average earning assets | $439,010,250 | 1,392 |
| Average equity | $67,095,000 | 1,051 |
| Average total loans | $371,417,000 | 1,137 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0254% | 1,718 |
| Cost of funding earning assets | 0.6033% | 4,877 |
| Net interest margin | 4.4221% | 1,144 |
| Noninterest income to average assets | 0.2333% | 5,901 |
| Noninterest expense to average assets | 2.3727% | 5,555 |
| Loan and lease loss provision to assets | 0.0893% | 4,452 |
| Net operating income to assets | 1.1232% | 1,967 |
| Return on assets (ROA) | 1.1232% | 2,182 |
| Pretax return on assets | 2.0369% | 645 |
| Return on Equity (ROE) | 7.6531% | 3,418 |
| Retained earnings to average equity (ytd only) | 7.6531% | 1,784 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.7401% | 6,444 |
| Assets per employee ($millions) | 5.7483% | 1,411 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5009% | 4,001 |
| Loan loss allowance to noncurrent loans | 34.8076% | 5,932 |
| Noncurrent assets plus other real estate owned to assets | 3.4769% | 1,537 |
| Noncurrent loans to loans | 4.3119% | 1,249 |
| Net loans and leases to total assets | 79.4240% | 571 |
| Net loans and leases to deposits | 93.5764% | 811 |
| Net loans and leases to core deposits | 108.8012% | 628 |
| Total domestic deposits to total assets | 84.8761% | 3,912 |
| Equity capital to assets | 14.5476% | 907 |
| Core capital (leverage) ratio | 14.5821% | 682 |
| Tier 1 risk-based capital ratio | 18.4338% | 2,152 |
| Total risk-based capital ratio | 19.6876% | 2,110 |
| Memoranda: |
| Average total assets | $452,642,670 | 1,472 |
| Average earning assets | $436,624,330 | 1,402 |
| Average equity | $66,430,330 | 1,055 |
| Average total loans | $368,569,000 | 1,145 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0554% | 1,706 |
| Cost of funding earning assets | 0.6313% | 4,880 |
| Net interest margin | 4.4241% | 1,174 |
| Noninterest income to average assets | 0.2313% | 5,970 |
| Noninterest expense to average assets | 2.5103% | 5,116 |
| Loan and lease loss provision to assets | 0.0843% | 4,328 |
| Net operating income to assets | 1.0463% | 2,301 |
| Return on assets (ROA) | 1.0463% | 2,493 |
| Pretax return on assets | 1.9025% | 870 |
| Return on Equity (ROE) | 7.0967% | 3,729 |
| Retained earnings to average equity (ytd only) | 7.0967% | 2,383 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.8214% | 6,142 |
| Assets per employee ($millions) | 5.3519% | 1,833 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5009% | 4,147 |
| Loan loss allowance to noncurrent loans | 34.0039% | 5,966 |
| Noncurrent assets plus other real estate owned to assets | 3.5730% | 1,603 |
| Noncurrent loans to loans | 4.4138% | 1,333 |
| Net loans and leases to total assets | 79.7358% | 431 |
| Net loans and leases to deposits | 94.0489% | 658 |
| Net loans and leases to core deposits | 108.6208% | 584 |
| Total domestic deposits to total assets | 84.7812% | 4,130 |
| Equity capital to assets | 14.5877% | 839 |
| Core capital (leverage) ratio | 14.9522% | 604 |
| Tier 1 risk-based capital ratio | 18.2827% | 2,209 |
| Total risk-based capital ratio | 19.5362% | 2,180 |
| Memoranda: |
| Average total assets | $446,156,500 | 1,491 |
| Average earning assets | $430,190,000 | 1,421 |
| Average equity | $65,777,500 | 1,069 |
| Average total loans | $365,131,000 | 1,151 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4270% | 1,347 |
| Cost of funding earning assets | 0.6932% | 5,586 |
| Net interest margin | 4.7337% | 703 |
| Noninterest income to average assets | 0.2450% | 5,786 |
| Noninterest expense to average assets | 2.3938% | 5,790 |
| Loan and lease loss provision to assets | 0.0876% | 5,494 |
| Net operating income to assets | 1.2817% | 1,290 |
| Return on assets (ROA) | 1.2817% | 1,393 |
| Pretax return on assets | 2.3243% | 284 |
| Return on Equity (ROE) | 8.3486% | 2,739 |
| Retained earnings to average equity (ytd only) | 2.7015% | 4,311 |
| Net charge-offs to loans | 0.0423% | 5,889 |
| Credit loss provision to net charge-offs | 241.2903% | 1,002 |
| Earnings coverage of net charge-offs (x) | 66.4452% | 447 |
| Efficiency ratio | 49.8124% | 6,846 |
| Assets per employee ($millions) | 5.2072% | 1,940 |
| Cash dividends to net income (ytd only)* | 67.6411% | 1,240 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5008% | 4,022 |
| Loan loss allowance to noncurrent loans | 33.5515% | 5,961 |
| Noncurrent assets plus other real estate owned to assets | 3.7021% | 1,584 |
| Noncurrent loans to loans | 4.4731% | 1,334 |
| Net loans and leases to total assets | 81.5212% | 370 |
| Net loans and leases to deposits | 96.7490% | 639 |
| Net loans and leases to core deposits | 109.5034% | 636 |
| Total domestic deposits to total assets | 84.2605% | 4,212 |
| Equity capital to assets | 14.9048% | 805 |
| Core capital (leverage) ratio | 14.6570% | 673 |
| Tier 1 risk-based capital ratio | 18.3461% | 2,094 |
| Total risk-based capital ratio | 19.5994% | 2,063 |
| Memoranda: |
| Average total assets | $427,011,200 | 1,528 |
| Average earning assets | $411,409,400 | 1,452 |
| Average equity | $65,555,800 | 1,027 |
| Average total loans | $366,576,400 | 1,155 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5708% | 1,097 |
| Cost of funding earning assets | 0.6923% | 5,814 |
| Net interest margin | 4.8785% | 535 |
| Noninterest income to average assets | 0.2457% | 5,863 |
| Noninterest expense to average assets | 2.4143% | 5,723 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.3973% | 1,153 |
| Return on assets (ROA) | 1.3973% | 1,237 |
| Pretax return on assets | 2.5333% | 233 |
| Return on Equity (ROE) | 9.0341% | 2,580 |
| Retained earnings to average equity (ytd only) | 9.0341% | 1,131 |
| Net charge-offs to loans | 0.0112% | 5,995 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 260.1435% | 154 |
| Efficiency ratio | 48.7967% | 6,903 |
| Assets per employee ($millions) | 5.3096% | 1,804 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4196% | 4,469 |
| Loan loss allowance to noncurrent loans | 37.1116% | 5,810 |
| Noncurrent assets plus other real estate owned to assets | 3.2473% | 1,958 |
| Noncurrent loans to loans | 3.8252% | 1,758 |
| Net loans and leases to total assets | 83.6881% | 239 |
| Net loans and leases to deposits | 100.2828% | 461 |
| Net loans and leases to core deposits | 110.5998% | 650 |
| Total domestic deposits to total assets | 83.4521% | 4,504 |
| Equity capital to assets | 15.7811% | 673 |
| Core capital (leverage) ratio | 15.7638% | 536 |
| Tier 1 risk-based capital ratio | 19.0428% | 1,919 |
| Total risk-based capital ratio | 20.2981% | 1,892 |
| Memoranda: |
| Average total assets | $424,413,250 | 1,547 |
| Average earning assets | $409,053,000 | 1,472 |
| Average equity | $65,646,250 | 1,030 |
| Average total loans | $367,718,250 | 1,162 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6281% | 1,024 |
| Cost of funding earning assets | 0.6945% | 5,999 |
| Net interest margin | 4.9336% | 453 |
| Noninterest income to average assets | 0.2480% | 5,875 |
| Noninterest expense to average assets | 2.4268% | 5,759 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.4210% | 1,043 |
| Return on assets (ROA) | 1.4210% | 1,106 |
| Pretax return on assets | 2.5755% | 220 |
| Return on Equity (ROE) | 9.2505% | 2,409 |
| Retained earnings to average equity (ytd only) | 9.2505% | 1,034 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.5144% | 7,033 |
| Assets per employee ($millions) | 5.3601% | 1,699 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4127% | 4,505 |
| Loan loss allowance to noncurrent loans | 93.4744% | 3,071 |
| Noncurrent assets plus other real estate owned to assets | 1.3173% | 4,274 |
| Noncurrent loans to loans | 1.5113% | 4,156 |
| Net loans and leases to total assets | 85.9311% | 142 |
| Net loans and leases to deposits | 102.8076% | 355 |
| Net loans and leases to core deposits | 112.0206% | 649 |
| Total domestic deposits to total assets | 83.5844% | 4,509 |
| Equity capital to assets | 15.6868% | 660 |
| Core capital (leverage) ratio | 15.4896% | 584 |
| Tier 1 risk-based capital ratio | 18.5910% | 1,969 |
| Total risk-based capital ratio | 19.8434% | 1,934 |
| Memoranda: |
| Average total assets | $422,524,670 | 1,568 |
| Average earning assets | $407,171,000 | 1,494 |
| Average equity | $64,904,670 | 1,041 |
| Average total loans | $368,588,330 | 1,182 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6522% | 971 |
| Cost of funding earning assets | 0.6862% | 6,216 |
| Net interest margin | 4.9660% | 407 |
| Noninterest income to average assets | 0.2587% | 5,826 |
| Noninterest expense to average assets | 2.4982% | 5,562 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.4045% | 1,054 |
| Return on assets (ROA) | 1.4045% | 1,092 |
| Pretax return on assets | 2.5475% | 237 |
| Return on Equity (ROE) | 9.2416% | 2,368 |
| Retained earnings to average equity (ytd only) | 9.2416% | 1,306 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.5116% | 7,025 |
| Assets per employee ($millions) | 4.9991% | 2,162 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4300% | 4,520 |
| Loan loss allowance to noncurrent loans | 172.0224% | 1,701 |
| Noncurrent assets plus other real estate owned to assets | 0.7218% | 5,491 |
| Noncurrent loans to loans | 0.8313% | 5,372 |
| Net loans and leases to total assets | 85.5880% | 147 |
| Net loans and leases to deposits | 102.0428% | 377 |
| Net loans and leases to core deposits | 111.5142% | 673 |
| Total domestic deposits to total assets | 83.8746% | 4,537 |
| Equity capital to assets | 15.4467% | 670 |
| Core capital (leverage) ratio | 15.4852% | 581 |
| Tier 1 risk-based capital ratio | 18.0656% | 2,093 |
| Total risk-based capital ratio | 19.3182% | 2,061 |
| Memoranda: |
| Average total assets | $422,064,000 | 1,578 |
| Average earning assets | $406,850,500 | 1,497 |
| Average equity | $64,144,500 | 1,044 |
| Average total loans | $368,339,500 | 1,195 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4856% | 2,347 |
| Cost of funding earning assets | 1.0238% | 5,569 |
| Net interest margin | 4.4618% | 1,318 |
| Noninterest income to average assets | 0.2618% | 5,920 |
| Noninterest expense to average assets | 2.3334% | 6,262 |
| Loan and lease loss provision to assets | 0.3635% | 3,935 |
| Net operating income to assets | 1.0332% | 1,926 |
| Return on assets (ROA) | 1.0445% | 1,991 |
| Pretax return on assets | 1.8938% | 623 |
| Return on Equity (ROE) | 7.4853% | 2,902 |
| Retained earnings to average equity (ytd only) | -1.2697% | 5,851 |
| Net charge-offs to loans | 0.0130% | 6,701 |
| Credit loss provision to net charge-offs | 3,304.1667% | 64 |
| Earnings coverage of net charge-offs (x) | 203.5625% | 123 |
| Efficiency ratio | 51.0250% | 7,058 |
| Assets per employee ($millions) | 5.0500% | 2,081 |
| Cash dividends to net income (ytd only)* | 116.9629% | 257 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4014% | 4,500 |
| Loan loss allowance to noncurrent loans | 179.5455% | 1,664 |
| Noncurrent assets plus other real estate owned to assets | 0.6846% | 5,638 |
| Noncurrent loans to loans | 0.7805% | 5,478 |
| Net loans and leases to total assets | 86.4788% | 162 |
| Net loans and leases to deposits | 102.6568% | 460 |
| Net loans and leases to core deposits | 112.9237% | 777 |
| Total domestic deposits to total assets | 84.2407% | 4,251 |
| Equity capital to assets | 14.9514% | 801 |
| Core capital (leverage) ratio | 14.4034% | 765 |
| Tier 1 risk-based capital ratio | 17.1517% | 2,294 |
| Total risk-based capital ratio | 18.4038% | 2,252 |
| Memoranda: |
| Average total assets | $436,277,200 | 1,529 |
| Average earning assets | $421,559,000 | 1,436 |
| Average equity | $60,879,600 | 1,094 |
| Average total loans | $368,891,400 | 1,227 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4499% | 2,645 |
| Cost of funding earning assets | 1.0839% | 5,526 |
| Net interest margin | 4.3659% | 1,626 |
| Noninterest income to average assets | 0.2568% | 6,062 |
| Noninterest expense to average assets | 2.2888% | 6,360 |
| Loan and lease loss provision to assets | 0.4814% | 3,064 |
| Net operating income to assets | 0.9402% | 2,452 |
| Return on assets (ROA) | 0.9551% | 2,522 |
| Pretax return on assets | 1.7312% | 1,049 |
| Return on Equity (ROE) | 6.9649% | 3,360 |
| Retained earnings to average equity (ytd only) | 6.9649% | 1,871 |
| Net charge-offs to loans | 0.0174% | 6,437 |
| Credit loss provision to net charge-offs | 3,304.1667% | 88 |
| Earnings coverage of net charge-offs (x) | 150.2670% | 214 |
| Efficiency ratio | 51.1116% | 7,064 |
| Assets per employee ($millions) | 5.1123% | 2,040 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4116% | 4,396 |
| Loan loss allowance to noncurrent loans | 240.4982% | 1,208 |
| Noncurrent assets plus other real estate owned to assets | 0.4931% | 6,192 |
| Noncurrent loans to loans | 0.5870% | 6,040 |
| Net loans and leases to total assets | 82.8252% | 423 |
| Net loans and leases to deposits | 97.4202% | 848 |
| Net loans and leases to core deposits | 107.9724% | 1,164 |
| Total domestic deposits to total assets | 85.0185% | 3,611 |
| Equity capital to assets | 14.1136% | 1,133 |
| Core capital (leverage) ratio | 13.8090% | 964 |
| Tier 1 risk-based capital ratio | 16.8857% | 2,383 |
| Total risk-based capital ratio | 18.1372% | 2,343 |
| Memoranda: |
| Average total assets | $439,296,250 | 1,541 |
| Average earning assets | $424,734,500 | 1,447 |
| Average equity | $60,243,500 | 1,107 |
| Average total loans | $368,099,750 | 1,240 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4679% | 2,664 |
| Cost of funding earning assets | 1.1420% | 5,451 |
| Net interest margin | 4.3259% | 1,685 |
| Noninterest income to average assets | 0.2518% | 6,111 |
| Noninterest expense to average assets | 2.2638% | 6,465 |
| Loan and lease loss provision to assets | 0.7004% | 2,074 |
| Net operating income to assets | 0.8080% | 2,932 |
| Return on assets (ROA) | 0.8229% | 3,013 |
| Pretax return on assets | 1.4923% | 1,574 |
| Return on Equity (ROE) | 6.0596% | 3,779 |
| Retained earnings to average equity (ytd only) | 6.0596% | 2,303 |
| Net charge-offs to loans | 0.0261% | 5,972 |
| Credit loss provision to net charge-offs | 3,204.1667% | 130 |
| Earnings coverage of net charge-offs (x) | 99.2500% | 331 |
| Efficiency ratio | 51.0632% | 7,142 |
| Assets per employee ($millions) | 5.2342% | 1,887 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4016% | 4,408 |
| Loan loss allowance to noncurrent loans | 238.2841% | 1,180 |
| Noncurrent assets plus other real estate owned to assets | 0.4816% | 6,249 |
| Noncurrent loans to loans | 0.5882% | 6,072 |
| Net loans and leases to total assets | 80.7323% | 699 |
| Net loans and leases to deposits | 94.2526% | 1,243 |
| Net loans and leases to core deposits | 105.6477% | 1,485 |
| Total domestic deposits to total assets | 85.6553% | 3,283 |
| Equity capital to assets | 13.4870% | 1,352 |
| Core capital (leverage) ratio | 13.5063% | 1,055 |
| Tier 1 risk-based capital ratio | 16.7485% | 2,381 |
| Total risk-based capital ratio | 18.0008% | 2,331 |
| Memoranda: |
| Average total assets | $439,174,330 | 1,554 |
| Average earning assets | $424,511,000 | 1,462 |
| Average equity | $59,640,670 | 1,109 |
| Average total loans | $367,678,000 | 1,249 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5530% | 2,351 |
| Cost of funding earning assets | 1.1557% | 5,629 |
| Net interest margin | 4.3974% | 1,399 |
| Noninterest income to average assets | 0.2610% | 6,059 |
| Noninterest expense to average assets | 2.2864% | 6,417 |
| Loan and lease loss provision to assets | 1.4028% | 852 |
| Net operating income to assets | 0.4455% | 4,633 |
| Return on assets (ROA) | 0.4455% | 4,764 |
| Pretax return on assets | 0.8218% | 3,783 |
| Return on Equity (ROE) | 3.2687% | 5,217 |
| Retained earnings to average equity (ytd only) | 3.2687% | 4,182 |
| Net charge-offs to loans | 0.0523% | 4,884 |
| Credit loss provision to net charge-offs | 3,168.7500% | 148 |
| Earnings coverage of net charge-offs (x) | 50.2500% | 575 |
| Efficiency ratio | 50.6849% | 7,265 |
| Assets per employee ($millions) | 5.0405% | 2,183 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4015% | 4,411 |
| Loan loss allowance to noncurrent loans | 178.9090% | 1,569 |
| Noncurrent assets plus other real estate owned to assets | 0.6639% | 5,855 |
| Noncurrent loans to loans | 0.7834% | 5,754 |
| Net loans and leases to total assets | 83.5644% | 415 |
| Net loans and leases to deposits | 97.7123% | 934 |
| Net loans and leases to core deposits | 110.1349% | 1,261 |
| Total domestic deposits to total assets | 85.5209% | 3,405 |
| Equity capital to assets | 13.6945% | 1,244 |
| Core capital (leverage) ratio | 13.7976% | 1,008 |
| Tier 1 risk-based capital ratio | 16.4353% | 2,478 |
| Total risk-based capital ratio | 17.6874% | 2,430 |
| Memoranda: |
| Average total assets | $433,693,000 | 1,612 |
| Average earning assets | $419,157,500 | 1,521 |
| Average equity | $59,106,000 | 1,125 |
| Average total loans | $367,231,000 | 1,290 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6387% | 3,402 |
| Cost of funding earning assets | 1.7513% | 4,241 |
| Net interest margin | 3.8873% | 3,319 |
| Noninterest income to average assets | 0.2743% | 6,147 |
| Noninterest expense to average assets | 2.4278% | 6,379 |
| Loan and lease loss provision to assets | 0.0715% | 6,865 |
| Net operating income to assets | 0.8292% | 2,419 |
| Return on assets (ROA) | 0.8902% | 2,281 |
| Pretax return on assets | 1.6178% | 926 |
| Return on Equity (ROE) | 6.7405% | 2,895 |
| Retained earnings to average equity (ytd only) | 6.7405% | 1,053 |
| Net charge-offs to loans | 0.0301% | 6,825 |
| Credit loss provision to net charge-offs | 282.5688% | 1,195 |
| Earnings coverage of net charge-offs (x) | 62.9725% | 432 |
| Efficiency ratio | 60.3649% | 6,426 |
| Assets per employee ($millions) | 5.0454% | 2,163 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0014% | 6,372 |
| Loan loss allowance to noncurrent loans | 194.1891% | 1,532 |
| Noncurrent assets plus other real estate owned to assets | 0.4363% | 6,368 |
| Noncurrent loans to loans | 0.5157% | 6,220 |
| Net loans and leases to total assets | 83.7513% | 460 |
| Net loans and leases to deposits | 97.8289% | 1,122 |
| Net loans and leases to core deposits | 133.8084% | 1,063 |
| Total domestic deposits to total assets | 85.6100% | 3,219 |
| Equity capital to assets | 13.5626% | 1,294 |
| Core capital (leverage) ratio | 13.9336% | 994 |
| Tier 1 risk-based capital ratio | 16.1505% | 2,450 |
| Total risk-based capital ratio | 17.1587% | 2,492 |
| Memoranda: |
| Average total assets | $430,590,200 | 1,609 |
| Average earning assets | $415,116,000 | 1,522 |
| Average equity | $56,865,000 | 1,161 |
| Average total loans | $361,902,200 | 1,334 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6092% | 3,812 |
| Cost of funding earning assets | 1.9193% | 3,777 |
| Net interest margin | 3.6899% | 4,113 |
| Noninterest income to average assets | 0.2702% | 6,301 |
| Noninterest expense to average assets | 2.4512% | 6,245 |
| Loan and lease loss provision to assets | 0.0760% | 6,603 |
| Net operating income to assets | 0.7010% | 3,205 |
| Return on assets (ROA) | 0.7824% | 2,946 |
| Pretax return on assets | 1.4256% | 1,632 |
| Return on Equity (ROE) | 5.9653% | 3,543 |
| Retained earnings to average equity (ytd only) | 5.9653% | 1,968 |
| Net charge-offs to loans | -0.0007% | 7,577 |
| Credit loss provision to net charge-offs | -12,250.0000% | 7,443 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0743% | 5,734 |
| Assets per employee ($millions) | 4.7186% | 2,525 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0013% | 6,275 |
| Loan loss allowance to noncurrent loans | 91.8599% | 2,987 |
| Noncurrent assets plus other real estate owned to assets | 0.9763% | 5,107 |
| Noncurrent loans to loans | 1.0900% | 5,127 |
| Net loans and leases to total assets | 88.6694% | 165 |
| Net loans and leases to deposits | 104.1523% | 762 |
| Net loans and leases to core deposits | 140.9505% | 874 |
| Total domestic deposits to total assets | 85.1344% | 3,158 |
| Equity capital to assets | 13.8662% | 1,352 |
| Core capital (leverage) ratio | 13.4826% | 1,236 |
| Tier 1 risk-based capital ratio | 15.6488% | 2,753 |
| Total risk-based capital ratio | 16.6610% | 2,806 |
| Memoranda: |
| Average total assets | $429,761,500 | 1,624 |
| Average earning assets | $414,094,000 | 1,540 |
| Average equity | $56,369,000 | 1,187 |
| Average total loans | $360,608,500 | 1,356 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5565% | 4,304 |
| Cost of funding earning assets | 2.0398% | 3,578 |
| Net interest margin | 3.5167% | 4,720 |
| Noninterest income to average assets | 0.2729% | 6,319 |
| Noninterest expense to average assets | 2.4634% | 6,247 |
| Loan and lease loss provision to assets | 0.0888% | 6,283 |
| Net operating income to assets | 0.5889% | 3,723 |
| Return on assets (ROA) | 0.7096% | 3,311 |
| Pretax return on assets | 1.2931% | 2,042 |
| Return on Equity (ROE) | 5.5105% | 3,862 |
| Retained earnings to average equity (ytd only) | 5.5105% | 2,245 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3672% | 5,278 |
| Assets per employee ($millions) | 4.8588% | 2,248 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0012% | 6,234 |
| Loan loss allowance to noncurrent loans | 120.2884% | 2,455 |
| Noncurrent assets plus other real estate owned to assets | 0.7055% | 5,643 |
| Noncurrent loans to loans | 0.8323% | 5,559 |
| Net loans and leases to total assets | 83.9179% | 650 |
| Net loans and leases to deposits | 98.1643% | 1,499 |
| Net loans and leases to core deposits | 134.6060% | 1,282 |
| Total domestic deposits to total assets | 85.4872% | 3,020 |
| Equity capital to assets | 13.0899% | 1,661 |
| Core capital (leverage) ratio | 12.9839% | 1,435 |
| Tier 1 risk-based capital ratio | 15.5749% | 2,787 |
| Total risk-based capital ratio | 16.5849% | 2,809 |
| Memoranda: |
| Average total assets | $434,602,000 | 1,625 |
| Average earning assets | $418,177,330 | 1,549 |
| Average equity | $55,966,000 | 1,204 |
| Average total loans | $356,839,670 | 1,397 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4466% | 5,191 |
| Cost of funding earning assets | 2.1684% | 3,326 |
| Net interest margin | 3.2782% | 5,581 |
| Noninterest income to average assets | 0.2635% | 6,344 |
| Noninterest expense to average assets | 2.3466% | 6,382 |
| Loan and lease loss provision to assets | 0.0863% | 5,854 |
| Net operating income to assets | 0.5435% | 4,243 |
| Return on assets (ROA) | 0.5435% | 4,428 |
| Pretax return on assets | 0.9980% | 3,350 |
| Return on Equity (ROE) | 4.2554% | 4,813 |
| Retained earnings to average equity (ytd only) | 4.2554% | 3,540 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3971% | 4,893 |
| Assets per employee ($millions) | 4.7838% | 2,315 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0012% | 6,167 |
| Loan loss allowance to noncurrent loans | 77.0941% | 3,795 |
| Noncurrent assets plus other real estate owned to assets | 1.0759% | 4,540 |
| Noncurrent loans to loans | 1.2987% | 4,379 |
| Net loans and leases to total assets | 82.0147% | 1,021 |
| Net loans and leases to deposits | 95.6297% | 2,002 |
| Net loans and leases to core deposits | 134.4268% | 1,392 |
| Total domestic deposits to total assets | 85.7628% | 2,844 |
| Equity capital to assets | 12.9844% | 1,752 |
| Core capital (leverage) ratio | 12.7073% | 1,598 |
| Tier 1 risk-based capital ratio | 15.7093% | 2,785 |
| Total risk-based capital ratio | 16.7174% | 2,799 |
| Memoranda: |
| Average total assets | $435,687,500 | 1,634 |
| Average earning assets | $420,957,500 | 1,548 |
| Average equity | $55,646,500 | 1,223 |
| Average total loans | $351,981,000 | 1,435 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.2404% | 4,298 |
| Cost of funding earning assets | 2.3835% | 4,792 |
| Net interest margin | 3.8569% | 3,763 |
| Noninterest income to average assets | 0.3290% | 6,091 |
| Noninterest expense to average assets | 2.4344% | 6,277 |
| Loan and lease loss provision to assets | 0.1178% | 5,864 |
| Net operating income to assets | 0.8208% | 3,345 |
| Return on assets (ROA) | 0.8252% | 3,171 |
| Pretax return on assets | 1.4882% | 1,717 |
| Return on Equity (ROE) | 6.5710% | 3,722 |
| Retained earnings to average equity (ytd only) | -1.3990% | 5,708 |
| Net charge-offs to loans | 0.0071% | 6,857 |
| Credit loss provision to net charge-offs | 2,173.9130% | 211 |
| Earnings coverage of net charge-offs (x) | 295.2174% | 162 |
| Efficiency ratio | 60.3550% | 6,281 |
| Assets per employee ($millions) | 4.7917% | 2,184 |
| Cash dividends to net income (ytd only)* | 121.2900% | 665 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0012% | 6,041 |
| Loan loss allowance to noncurrent loans | 115.9773% | 3,057 |
| Noncurrent assets plus other real estate owned to assets | 0.6801% | 5,186 |
| Noncurrent loans to loans | 0.8633% | 4,897 |
| Net loans and leases to total assets | 77.9901% | 2,138 |
| Net loans and leases to deposits | 90.4479% | 3,376 |
| Net loans and leases to core deposits | 127.4558% | 2,043 |
| Total domestic deposits to total assets | 86.2266% | 2,301 |
| Equity capital to assets | 12.5648% | 1,979 |
| Core capital (leverage) ratio | 12.5052% | 1,747 |
| Tier 1 risk-based capital ratio | 14.7070% | 3,201 |
| Total risk-based capital ratio | 15.6358% | 3,268 |
| Memoranda: |
| Average total assets | $424,616,800 | 1,602 |
| Average earning assets | $407,839,600 | 1,534 |
| Average equity | $53,325,400 | 1,265 |
| Average total loans | $325,558,400 | 1,495 |
