| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3632% | 5,156 |
| Cost of funding earning assets | 0.2801% | 4,342 |
| Net interest margin | 3.0831% | 4,878 |
| Noninterest income to average assets | 0.4526% | 3,502 |
| Noninterest expense to average assets | 2.3821% | 4,396 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.6127% | 4,214 |
| Return on assets (ROA) | 0.6150% | 4,333 |
| Pretax return on assets | 0.8836% | 4,013 |
| Return on Equity (ROE) | 4.9127% | 4,554 |
| Retained earnings to average equity (ytd only) | 4.9127% | 2,789 |
| Net charge-offs to loans | 0.0136% | 3,264 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 106.2000% | 543 |
| Efficiency ratio | 73.0183% | 2,517 |
| Assets per employee ($millions) | 5.0653% | 2,238 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0292% | 699 |
| Loan loss allowance to noncurrent loans | 89.7959% | 3,912 |
| Noncurrent assets plus other real estate owned to assets | 1.4502% | 1,340 |
| Noncurrent loans to loans | 2.2598% | 820 |
| Net loans and leases to total assets | 59.4125% | 3,961 |
| Net loans and leases to deposits | 68.3932% | 4,144 |
| Net loans and leases to core deposits | 69.0808% | 4,399 |
| Total domestic deposits to total assets | 86.8690% | 1,976 |
| Equity capital to assets | 12.6761% | 1,673 |
| Core capital (leverage) ratio | 11.7056% | 1,844 |
| Tier 1 risk-based capital ratio | 21.1959% | 1,244 |
| Total risk-based capital ratio | 22.4613% | 1,218 |
| Memoranda: |
| Average total assets | $120,647,330 | 4,030 |
| Average earning assets | $109,954,670 | 4,057 |
| Average equity | $15,103,670 | 3,846 |
| Average total loans | $73,285,330 | 4,010 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3753% | 5,175 |
| Cost of funding earning assets | 0.2831% | 4,354 |
| Net interest margin | 3.0922% | 4,884 |
| Noninterest income to average assets | 0.4460% | 3,516 |
| Noninterest expense to average assets | 2.6658% | 3,530 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.4346% | 4,883 |
| Return on assets (ROA) | 0.4393% | 4,947 |
| Pretax return on assets | 0.6224% | 4,752 |
| Return on Equity (ROE) | 3.5317% | 5,048 |
| Retained earnings to average equity (ytd only) | 3.5317% | 3,727 |
| Net charge-offs to loans | -0.0109% | 4,573 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.2373% | 1,456 |
| Assets per employee ($millions) | 5.0688% | 2,269 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0546% | 747 |
| Loan loss allowance to noncurrent loans | 80.8934% | 4,064 |
| Noncurrent assets plus other real estate owned to assets | 1.6071% | 1,238 |
| Noncurrent loans to loans | 2.5399% | 729 |
| Net loans and leases to total assets | 58.8972% | 3,936 |
| Net loans and leases to deposits | 67.5354% | 4,104 |
| Net loans and leases to core deposits | 68.2105% | 4,385 |
| Total domestic deposits to total assets | 87.2093% | 2,094 |
| Equity capital to assets | 12.3830% | 1,763 |
| Core capital (leverage) ratio | 11.6460% | 1,867 |
| Tier 1 risk-based capital ratio | 21.0558% | 1,312 |
| Total risk-based capital ratio | 22.3207% | 1,280 |
| Memoranda: |
| Average total assets | $120,187,500 | 4,066 |
| Average earning assets | $110,214,000 | 4,087 |
| Average equity | $14,950,500 | 3,873 |
| Average total loans | $73,067,000 | 4,045 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2558% | 5,423 |
| Cost of funding earning assets | 0.2993% | 4,255 |
| Net interest margin | 2.9565% | 5,229 |
| Noninterest income to average assets | 0.4085% | 3,970 |
| Noninterest expense to average assets | 2.6463% | 3,769 |
| Loan and lease loss provision to assets | -0.1164% | 5,875 |
| Net operating income to assets | 0.4202% | 4,985 |
| Return on assets (ROA) | 0.4324% | 5,021 |
| Pretax return on assets | 0.5851% | 4,883 |
| Return on Equity (ROE) | 3.5722% | 5,115 |
| Retained earnings to average equity (ytd only) | 3.5722% | 3,519 |
| Net charge-offs to loans | -0.0694% | 5,663 |
| Credit loss provision to net charge-offs | 293.7500% | 1,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.4061% | 1,052 |
| Assets per employee ($millions) | 4.9468% | 2,427 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0567% | 730 |
| Loan loss allowance to noncurrent loans | 102.4573% | 3,641 |
| Noncurrent assets plus other real estate owned to assets | 1.3157% | 1,615 |
| Noncurrent loans to loans | 2.0073% | 1,038 |
| Net loans and leases to total assets | 60.2077% | 3,804 |
| Net loans and leases to deposits | 69.7382% | 3,953 |
| Net loans and leases to core deposits | 70.4593% | 4,271 |
| Total domestic deposits to total assets | 86.3338% | 2,472 |
| Equity capital to assets | 12.4971% | 1,628 |
| Core capital (leverage) ratio | 11.7508% | 1,781 |
| Tier 1 risk-based capital ratio | 21.2900% | 1,254 |
| Total risk-based capital ratio | 22.5529% | 1,234 |
| Memoranda: |
| Average total assets | $121,186,000 | 4,048 |
| Average earning assets | $110,265,200 | 4,061 |
| Average equity | $14,669,000 | 3,884 |
| Average total loans | $69,186,400 | 4,115 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2357% | 5,528 |
| Cost of funding earning assets | 0.3038% | 4,294 |
| Net interest margin | 2.9318% | 5,349 |
| Noninterest income to average assets | 0.3415% | 4,500 |
| Noninterest expense to average assets | 2.6469% | 3,731 |
| Loan and lease loss provision to assets | -0.1543% | 6,066 |
| Net operating income to assets | 0.3757% | 5,244 |
| Return on assets (ROA) | 0.3831% | 5,302 |
| Pretax return on assets | 0.5101% | 5,198 |
| Return on Equity (ROE) | 3.1904% | 5,320 |
| Retained earnings to average equity (ytd only) | 3.1904% | 4,192 |
| Net charge-offs to loans | -0.1036% | 5,797 |
| Credit loss provision to net charge-offs | 266.0377% | 1,088 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.4418% | 804 |
| Assets per employee ($millions) | 4.9945% | 2,301 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1501% | 716 |
| Loan loss allowance to noncurrent loans | 101.8256% | 3,642 |
| Noncurrent assets plus other real estate owned to assets | 1.8687% | 1,119 |
| Noncurrent loans to loans | 2.1116% | 1,068 |
| Net loans and leases to total assets | 57.1766% | 4,226 |
| Net loans and leases to deposits | 65.7164% | 4,407 |
| Net loans and leases to core deposits | 66.3835% | 4,664 |
| Total domestic deposits to total assets | 87.0050% | 2,035 |
| Equity capital to assets | 12.3752% | 1,809 |
| Core capital (leverage) ratio | 11.5059% | 2,034 |
| Tier 1 risk-based capital ratio | 21.3035% | 1,293 |
| Total risk-based capital ratio | 22.5663% | 1,275 |
| Memoranda: |
| Average total assets | $121,801,500 | 4,085 |
| Average earning assets | $110,144,000 | 4,112 |
| Average equity | $14,627,000 | 3,929 |
| Average total loans | $68,237,500 | 4,174 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1939% | 5,633 |
| Cost of funding earning assets | 0.3081% | 4,309 |
| Net interest margin | 2.8857% | 5,468 |
| Noninterest income to average assets | 0.2254% | 5,353 |
| Noninterest expense to average assets | 2.6395% | 3,776 |
| Loan and lease loss provision to assets | -0.2368% | 6,203 |
| Net operating income to assets | 0.3161% | 5,392 |
| Return on assets (ROA) | 0.3283% | 5,458 |
| Pretax return on assets | 0.4394% | 5,380 |
| Return on Equity (ROE) | 2.7614% | 5,489 |
| Retained earnings to average equity (ytd only) | 2.7614% | 4,295 |
| Net charge-offs to loans | -0.1538% | 5,943 |
| Credit loss provision to net charge-offs | 278.8462% | 972 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.4104% | 549 |
| Assets per employee ($millions) | 5.0863% | 2,161 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1854% | 751 |
| Loan loss allowance to noncurrent loans | 101.4875% | 3,687 |
| Noncurrent assets plus other real estate owned to assets | 2.3872% | 825 |
| Noncurrent loans to loans | 2.1533% | 1,115 |
| Net loans and leases to total assets | 55.0365% | 4,452 |
| Net loans and leases to deposits | 62.8648% | 4,631 |
| Net loans and leases to core deposits | 63.4868% | 4,846 |
| Total domestic deposits to total assets | 87.5473% | 1,883 |
| Equity capital to assets | 11.9087% | 2,098 |
| Core capital (leverage) ratio | 11.0069% | 2,413 |
| Tier 1 risk-based capital ratio | 21.0960% | 1,340 |
| Total risk-based capital ratio | 22.3624% | 1,313 |
| Memoranda: |
| Average total assets | $122,445,670 | 4,107 |
| Average earning assets | $110,336,000 | 4,146 |
| Average equity | $14,558,000 | 3,955 |
| Average total loans | $67,635,670 | 4,224 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1909% | 5,668 |
| Cost of funding earning assets | 0.3187% | 4,239 |
| Net interest margin | 2.8722% | 5,498 |
| Noninterest income to average assets | 0.0522% | 6,225 |
| Noninterest expense to average assets | 2.6322% | 3,816 |
| Loan and lease loss provision to assets | -0.4795% | 6,349 |
| Net operating income to assets | 0.3575% | 5,232 |
| Return on assets (ROA) | 0.3816% | 5,258 |
| Pretax return on assets | 0.5186% | 5,129 |
| Return on Equity (ROE) | 3.2124% | 5,295 |
| Retained earnings to average equity (ytd only) | 3.2124% | 4,063 |
| Net charge-offs to loans | -0.2861% | 6,135 |
| Credit loss provision to net charge-offs | 306.2500% | 792 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.7528% | 371 |
| Assets per employee ($millions) | 5.2288% | 2,076 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2421% | 759 |
| Loan loss allowance to noncurrent loans | 61.4468% | 4,677 |
| Noncurrent assets plus other real estate owned to assets | 2.7253% | 739 |
| Noncurrent loans to loans | 3.6489% | 505 |
| Net loans and leases to total assets | 51.9420% | 4,668 |
| Net loans and leases to deposits | 59.1106% | 4,817 |
| Net loans and leases to core deposits | 59.6766% | 5,016 |
| Total domestic deposits to total assets | 87.8725% | 1,899 |
| Equity capital to assets | 11.6932% | 2,301 |
| Core capital (leverage) ratio | 11.0299% | 2,384 |
| Tier 1 risk-based capital ratio | 21.7213% | 1,284 |
| Total risk-based capital ratio | 22.9846% | 1,257 |
| Memoranda: |
| Average total assets | $122,633,500 | 4,135 |
| Average earning assets | $110,438,000 | 4,169 |
| Average equity | $14,568,500 | 3,981 |
| Average total loans | $67,111,500 | 4,261 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3282% | 5,663 |
| Cost of funding earning assets | 0.3601% | 4,137 |
| Net interest margin | 2.9681% | 5,513 |
| Noninterest income to average assets | 0.3069% | 4,919 |
| Noninterest expense to average assets | 2.5731% | 4,317 |
| Loan and lease loss provision to assets | -0.1486% | 6,230 |
| Net operating income to assets | 0.3843% | 5,274 |
| Return on assets (ROA) | 0.3928% | 5,313 |
| Pretax return on assets | 0.5495% | 5,103 |
| Return on Equity (ROE) | 3.2819% | 5,388 |
| Retained earnings to average equity (ytd only) | -3.4296% | 6,112 |
| Net charge-offs to loans | 0.0481% | 3,864 |
| Credit loss provision to net charge-offs | -560.6061% | 5,809 |
| Earnings coverage of net charge-offs (x) | 14.6667% | 2,142 |
| Efficiency ratio | 86.8728% | 1,092 |
| Assets per employee ($millions) | 4.9906% | 2,334 |
| Cash dividends to net income (ytd only)* | 204.4990% | 78 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3599% | 664 |
| Loan loss allowance to noncurrent loans | 70.0351% | 4,516 |
| Noncurrent assets plus other real estate owned to assets | 2.9622% | 691 |
| Noncurrent loans to loans | 3.3696% | 628 |
| Net loans and leases to total assets | 55.0624% | 4,444 |
| Net loans and leases to deposits | 62.9814% | 4,638 |
| Net loans and leases to core deposits | 63.6163% | 4,864 |
| Total domestic deposits to total assets | 87.4264% | 2,070 |
| Equity capital to assets | 12.0751% | 1,962 |
| Core capital (leverage) ratio | 10.9499% | 2,453 |
| Tier 1 risk-based capital ratio | 20.5189% | 1,504 |
| Total risk-based capital ratio | 21.7835% | 1,476 |
| Memoranda: |
| Average total assets | $124,479,000 | 4,092 |
| Average earning assets | $111,352,400 | 4,151 |
| Average equity | $14,899,800 | 3,854 |
| Average total loans | $68,617,200 | 4,221 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3305% | 5,711 |
| Cost of funding earning assets | 0.3669% | 4,162 |
| Net interest margin | 2.9637% | 5,578 |
| Noninterest income to average assets | 0.2589% | 5,369 |
| Noninterest expense to average assets | 2.5498% | 4,364 |
| Loan and lease loss provision to assets | -0.2005% | 6,386 |
| Net operating income to assets | 0.3881% | 5,292 |
| Return on assets (ROA) | 0.3958% | 5,340 |
| Pretax return on assets | 0.5518% | 5,183 |
| Return on Equity (ROE) | 3.3135% | 5,426 |
| Retained earnings to average equity (ytd only) | 3.3135% | 4,263 |
| Net charge-offs to loans | 0.0619% | 3,324 |
| Credit loss provision to net charge-offs | -590.6250% | 5,784 |
| Earnings coverage of net charge-offs (x) | 10.0302% | 2,593 |
| Efficiency ratio | 88.2159% | 981 |
| Assets per employee ($millions) | 5.1175% | 2,119 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3475% | 784 |
| Loan loss allowance to noncurrent loans | 61.4998% | 4,736 |
| Noncurrent assets plus other real estate owned to assets | 3.1437% | 726 |
| Noncurrent loans to loans | 3.8172% | 585 |
| Net loans and leases to total assets | 53.8858% | 4,589 |
| Net loans and leases to deposits | 61.9740% | 4,742 |
| Net loans and leases to core deposits | 62.8760% | 4,976 |
| Total domestic deposits to total assets | 86.9491% | 2,347 |
| Equity capital to assets | 12.4134% | 1,761 |
| Core capital (leverage) ratio | 11.5616% | 2,013 |
| Tier 1 risk-based capital ratio | 21.4570% | 1,359 |
| Total risk-based capital ratio | 22.7215% | 1,326 |
| Memoranda: |
| Average total assets | $125,655,000 | 4,102 |
| Average earning assets | $111,570,750 | 4,183 |
| Average equity | $15,009,000 | 3,853 |
| Average total loans | $68,885,250 | 4,245 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3585% | 5,696 |
| Cost of funding earning assets | 0.3760% | 4,152 |
| Net interest margin | 2.9826% | 5,573 |
| Noninterest income to average assets | 0.4186% | 4,108 |
| Noninterest expense to average assets | 2.5166% | 4,536 |
| Loan and lease loss provision to assets | 0.0142% | 3,973 |
| Net operating income to assets | 0.3672% | 5,340 |
| Return on assets (ROA) | 0.3728% | 5,386 |
| Pretax return on assets | 0.5276% | 5,201 |
| Return on Equity (ROE) | 3.1614% | 5,475 |
| Retained earnings to average equity (ytd only) | 3.1614% | 4,191 |
| Net charge-offs to loans | 0.1357% | 2,310 |
| Credit loss provision to net charge-offs | 19.1489% | 3,213 |
| Earnings coverage of net charge-offs (x) | 7.1915% | 2,666 |
| Efficiency ratio | 82.4961% | 1,690 |
| Assets per employee ($millions) | 5.1704% | 2,004 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.6077% | 603 |
| Loan loss allowance to noncurrent loans | 65.4130% | 4,650 |
| Noncurrent assets plus other real estate owned to assets | 3.4765% | 678 |
| Noncurrent loans to loans | 3.9865% | 594 |
| Net loans and leases to total assets | 53.3939% | 4,605 |
| Net loans and leases to deposits | 61.2217% | 4,755 |
| Net loans and leases to core deposits | 62.0985% | 4,964 |
| Total domestic deposits to total assets | 87.2140% | 2,343 |
| Equity capital to assets | 12.2211% | 1,840 |
| Core capital (leverage) ratio | 11.0296% | 2,394 |
| Tier 1 risk-based capital ratio | 21.0964% | 1,430 |
| Total risk-based capital ratio | 22.3639% | 1,401 |
| Memoranda: |
| Average total assets | $126,600,330 | 4,101 |
| Average earning assets | $111,716,000 | 4,195 |
| Average equity | $14,930,000 | 3,868 |
| Average total loans | $69,256,000 | 4,258 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4250% | 5,592 |
| Cost of funding earning assets | 0.3929% | 4,055 |
| Net interest margin | 3.0321% | 5,441 |
| Noninterest income to average assets | 0.4098% | 4,107 |
| Noninterest expense to average assets | 2.5216% | 4,547 |
| Loan and lease loss provision to assets | 0.0094% | 3,704 |
| Net operating income to assets | 0.3764% | 5,204 |
| Return on assets (ROA) | 0.3786% | 5,268 |
| Pretax return on assets | 0.5381% | 5,052 |
| Return on Equity (ROE) | 3.2675% | 5,356 |
| Retained earnings to average equity (ytd only) | 3.2675% | 4,157 |
| Net charge-offs to loans | 0.2290% | 1,406 |
| Credit loss provision to net charge-offs | 7.5000% | 2,628 |
| Earnings coverage of net charge-offs (x) | 4.3500% | 2,538 |
| Efficiency ratio | 82.2449% | 1,895 |
| Assets per employee ($millions) | 5.3962% | 1,809 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.5840% | 727 |
| Loan loss allowance to noncurrent loans | 61.8898% | 4,771 |
| Noncurrent assets plus other real estate owned to assets | 3.4353% | 767 |
| Noncurrent loans to loans | 4.1752% | 623 |
| Net loans and leases to total assets | 51.6698% | 4,708 |
| Net loans and leases to deposits | 58.6868% | 4,875 |
| Net loans and leases to core deposits | 59.4828% | 5,085 |
| Total domestic deposits to total assets | 88.0433% | 2,215 |
| Equity capital to assets | 11.5081% | 2,241 |
| Core capital (leverage) ratio | 10.9630% | 2,423 |
| Tier 1 risk-based capital ratio | 21.0467% | 1,464 |
| Total risk-based capital ratio | 22.3143% | 1,445 |
| Memoranda: |
| Average total assets | $127,856,000 | 4,109 |
| Average earning assets | $112,001,000 | 4,214 |
| Average equity | $14,812,500 | 3,893 |
| Average total loans | $69,869,000 | 4,266 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3522% | 5,917 |
| Cost of funding earning assets | 0.4614% | 4,009 |
| Net interest margin | 2.8907% | 5,804 |
| Noninterest income to average assets | 0.5431% | 3,451 |
| Noninterest expense to average assets | 2.3281% | 5,295 |
| Loan and lease loss provision to assets | 0.0451% | 4,218 |
| Net operating income to assets | 0.4857% | 4,794 |
| Return on assets (ROA) | 0.4958% | 4,889 |
| Pretax return on assets | 0.7200% | 4,465 |
| Return on Equity (ROE) | 4.6629% | 4,805 |
| Retained earnings to average equity (ytd only) | 4.6629% | 2,841 |
| Net charge-offs to loans | 0.1225% | 3,585 |
| Credit loss provision to net charge-offs | 68.8889% | 3,333 |
| Earnings coverage of net charge-offs (x) | 11.4556% | 2,240 |
| Efficiency ratio | 75.6207% | 2,842 |
| Assets per employee ($millions) | 5.2585% | 1,895 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.5505% | 779 |
| Loan loss allowance to noncurrent loans | 64.8533% | 4,679 |
| Noncurrent assets plus other real estate owned to assets | 3.3803% | 889 |
| Noncurrent loans to loans | 3.9327% | 745 |
| Net loans and leases to total assets | 54.8592% | 4,486 |
| Net loans and leases to deposits | 62.4608% | 4,679 |
| Net loans and leases to core deposits | 63.3390% | 4,935 |
| Total domestic deposits to total assets | 87.8299% | 2,288 |
| Equity capital to assets | 11.6645% | 2,052 |
| Core capital (leverage) ratio | 10.8453% | 2,532 |
| Tier 1 risk-based capital ratio | 20.6335% | 1,504 |
| Total risk-based capital ratio | 21.9016% | 1,475 |
| Memoranda: |
| Average total assets | $137,362,800 | 3,926 |
| Average earning assets | $120,489,800 | 4,037 |
| Average equity | $14,604,800 | 3,942 |
| Average total loans | $73,483,400 | 4,150 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3182% | 6,033 |
| Cost of funding earning assets | 0.4754% | 4,015 |
| Net interest margin | 2.8428% | 5,935 |
| Noninterest income to average assets | 0.5851% | 3,246 |
| Noninterest expense to average assets | 2.3935% | 5,045 |
| Loan and lease loss provision to assets | 0.0542% | 3,953 |
| Net operating income to assets | 0.4366% | 5,084 |
| Return on assets (ROA) | 0.4490% | 5,167 |
| Pretax return on assets | 0.6469% | 4,862 |
| Return on Equity (ROE) | 4.3176% | 5,067 |
| Retained earnings to average equity (ytd only) | 4.3176% | 3,606 |
| Net charge-offs to loans | 0.1242% | 3,294 |
| Credit loss provision to net charge-offs | 82.6087% | 2,783 |
| Earnings coverage of net charge-offs (x) | 10.4055% | 2,362 |
| Efficiency ratio | 77.7984% | 2,450 |
| Assets per employee ($millions) | 5.4238% | 1,708 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.5226% | 909 |
| Loan loss allowance to noncurrent loans | 63.7378% | 4,655 |
| Noncurrent assets plus other real estate owned to assets | 3.3710% | 1,024 |
| Noncurrent loans to loans | 3.9577% | 891 |
| Net loans and leases to total assets | 54.2655% | 4,570 |
| Net loans and leases to deposits | 61.7622% | 4,792 |
| Net loans and leases to core deposits | 62.6018% | 5,054 |
| Total domestic deposits to total assets | 87.8621% | 2,216 |
| Equity capital to assets | 11.1684% | 2,598 |
| Core capital (leverage) ratio | 10.5338% | 2,970 |
| Tier 1 risk-based capital ratio | 20.4002% | 1,625 |
| Total risk-based capital ratio | 21.6672% | 1,594 |
| Memoranda: |
| Average total assets | $140,152,750 | 3,910 |
| Average earning assets | $122,833,250 | 4,034 |
| Average equity | $14,575,750 | 3,993 |
| Average total loans | $74,092,750 | 4,148 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2578% | 6,148 |
| Cost of funding earning assets | 0.4952% | 3,944 |
| Net interest margin | 2.7626% | 6,074 |
| Noninterest income to average assets | 0.6482% | 2,922 |
| Noninterest expense to average assets | 2.3571% | 5,183 |
| Loan and lease loss provision to assets | 0.0767% | 3,520 |
| Net operating income to assets | 0.4375% | 5,070 |
| Return on assets (ROA) | 0.4558% | 5,161 |
| Pretax return on assets | 0.6593% | 4,817 |
| Return on Equity (ROE) | 4.4830% | 5,008 |
| Retained earnings to average equity (ytd only) | 4.4830% | 3,413 |
| Net charge-offs to loans | 0.1903% | 2,616 |
| Credit loss provision to net charge-offs | 77.4648% | 2,676 |
| Earnings coverage of net charge-offs (x) | 7.1690% | 2,587 |
| Efficiency ratio | 76.8636% | 2,656 |
| Assets per employee ($millions) | 6.2782% | 1,028 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4884% | 994 |
| Loan loss allowance to noncurrent loans | 62.0619% | 4,700 |
| Noncurrent assets plus other real estate owned to assets | 3.2703% | 1,209 |
| Noncurrent loans to loans | 4.0095% | 968 |
| Net loans and leases to total assets | 51.7499% | 4,898 |
| Net loans and leases to deposits | 58.1894% | 5,145 |
| Net loans and leases to core deposits | 58.9239% | 5,353 |
| Total domestic deposits to total assets | 88.9335% | 1,668 |
| Equity capital to assets | 10.5140% | 3,283 |
| Core capital (leverage) ratio | 9.9115% | 3,643 |
| Tier 1 risk-based capital ratio | 20.0470% | 1,708 |
| Total risk-based capital ratio | 21.3138% | 1,674 |
| Memoranda: |
| Average total assets | $143,480,000 | 3,884 |
| Average earning assets | $125,605,330 | 3,998 |
| Average equity | $14,588,330 | 4,026 |
| Average total loans | $74,635,000 | 4,153 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2589% | 6,226 |
| Cost of funding earning assets | 0.5175% | 3,903 |
| Net interest margin | 2.7414% | 6,143 |
| Noninterest income to average assets | 0.8758% | 1,844 |
| Noninterest expense to average assets | 2.2934% | 5,445 |
| Loan and lease loss provision to assets | 0.1396% | 2,499 |
| Net operating income to assets | 0.5653% | 4,385 |
| Return on assets (ROA) | 0.5802% | 4,462 |
| Pretax return on assets | 0.8566% | 3,930 |
| Return on Equity (ROE) | 5.7997% | 4,148 |
| Retained earnings to average equity (ytd only) | 5.7997% | 2,779 |
| Net charge-offs to loans | 0.2762% | 1,854 |
| Credit loss provision to net charge-offs | 98.0769% | 1,902 |
| Earnings coverage of net charge-offs (x) | 6.8462% | 2,156 |
| Efficiency ratio | 70.1843% | 3,939 |
| Assets per employee ($millions) | 5.8838% | 1,347 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4901% | 1,129 |
| Loan loss allowance to noncurrent loans | 49.8239% | 5,173 |
| Noncurrent assets plus other real estate owned to assets | 3.6449% | 1,144 |
| Noncurrent loans to loans | 4.9978% | 766 |
| Net loans and leases to total assets | 50.9978% | 4,840 |
| Net loans and leases to deposits | 57.1467% | 5,121 |
| Net loans and leases to core deposits | 58.3185% | 5,312 |
| Total domestic deposits to total assets | 89.2401% | 1,532 |
| Equity capital to assets | 10.4150% | 3,650 |
| Core capital (leverage) ratio | 9.7678% | 3,703 |
| Tier 1 risk-based capital ratio | 19.8151% | 1,821 |
| Total risk-based capital ratio | 21.0835% | 1,780 |
| Memoranda: |
| Average total assets | $146,160,000 | 3,876 |
| Average earning assets | $127,527,500 | 3,991 |
| Average equity | $14,621,500 | 4,070 |
| Average total loans | $75,302,000 | 4,156 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6870% | 6,076 |
| Cost of funding earning assets | 0.7818% | 2,814 |
| Net interest margin | 2.9052% | 6,214 |
| Noninterest income to average assets | 0.2872% | 5,415 |
| Noninterest expense to average assets | 2.1540% | 6,014 |
| Loan and lease loss provision to assets | 1.7395% | 151 |
| Net operating income to assets | -0.6194% | 6,619 |
| Return on assets (ROA) | -0.5839% | 6,639 |
| Pretax return on assets | -0.9856% | 6,732 |
| Return on Equity (ROE) | -5.7696% | 6,619 |
| Retained earnings to average equity (ytd only) | -5.7696% | 6,469 |
| Net charge-offs to loans | 2.5994% | 231 |
| Credit loss provision to net charge-offs | 121.3452% | 2,357 |
| Earnings coverage of net charge-offs (x) | 0.4872% | 5,246 |
| Efficiency ratio | 75.5164% | 2,826 |
| Assets per employee ($millions) | 6.2963% | 1,108 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3974% | 1,232 |
| Loan loss allowance to noncurrent loans | 50.7586% | 5,090 |
| Noncurrent assets plus other real estate owned to assets | 3.7370% | 1,189 |
| Noncurrent loans to loans | 4.7231% | 877 |
| Net loans and leases to total assets | 49.5738% | 5,225 |
| Net loans and leases to deposits | 55.1003% | 5,540 |
| Net loans and leases to core deposits | 56.5119% | 5,675 |
| Total domestic deposits to total assets | 89.9702% | 967 |
| Equity capital to assets | 9.6195% | 4,708 |
| Core capital (leverage) ratio | 9.0367% | 4,838 |
| Tier 1 risk-based capital ratio | 17.7529% | 2,363 |
| Total risk-based capital ratio | 19.0173% | 2,317 |
| Memoranda: |
| Average total assets | $149,350,600 | 3,785 |
| Average earning assets | $131,867,600 | 3,854 |
| Average equity | $15,113,800 | 3,942 |
| Average total loans | $82,366,400 | 3,963 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7108% | 6,202 |
| Cost of funding earning assets | 0.8432% | 2,603 |
| Net interest margin | 2.8676% | 6,414 |
| Noninterest income to average assets | 0.2588% | 5,713 |
| Noninterest expense to average assets | 2.1507% | 6,068 |
| Loan and lease loss provision to assets | 2.2125% | 86 |
| Net operating income to assets | -0.9522% | 6,844 |
| Return on assets (ROA) | -0.9115% | 6,862 |
| Pretax return on assets | -1.4953% | 6,955 |
| Return on Equity (ROE) | -8.8955% | 6,838 |
| Retained earnings to average equity (ytd only) | -8.8955% | 6,783 |
| Net charge-offs to loans | 2.8172% | 205 |
| Credit loss provision to net charge-offs | 139.6045% | 2,069 |
| Earnings coverage of net charge-offs (x) | 0.4124% | 5,120 |
| Efficiency ratio | 76.6922% | 2,564 |
| Assets per employee ($millions) | 5.9366% | 1,288 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.5923% | 1,088 |
| Loan loss allowance to noncurrent loans | 52.1522% | 5,017 |
| Noncurrent assets plus other real estate owned to assets | 3.9346% | 1,232 |
| Noncurrent loans to loans | 4.9707% | 914 |
| Net loans and leases to total assets | 54.9604% | 4,598 |
| Net loans and leases to deposits | 61.5597% | 5,015 |
| Net loans and leases to core deposits | 63.3731% | 5,221 |
| Total domestic deposits to total assets | 89.2798% | 1,256 |
| Equity capital to assets | 10.1545% | 4,269 |
| Core capital (leverage) ratio | 9.3624% | 4,485 |
| Tier 1 risk-based capital ratio | 17.5486% | 2,523 |
| Total risk-based capital ratio | 18.8168% | 2,479 |
| Memoranda: |
| Average total assets | $148,910,750 | 3,836 |
| Average earning assets | $132,186,500 | 3,892 |
| Average equity | $15,258,250 | 3,943 |
| Average total loans | $83,770,250 | 3,959 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5537% | 6,538 |
| Cost of funding earning assets | 0.8992% | 2,401 |
| Net interest margin | 2.6545% | 6,770 |
| Noninterest income to average assets | 0.4118% | 4,567 |
| Noninterest expense to average assets | 2.1026% | 6,228 |
| Loan and lease loss provision to assets | 0.5945% | 1,006 |
| Net operating income to assets | 0.0874% | 6,190 |
| Return on assets (ROA) | 0.1470% | 6,219 |
| Pretax return on assets | 0.1390% | 6,240 |
| Return on Equity (ROE) | 1.4303% | 6,208 |
| Retained earnings to average equity (ytd only) | 1.4303% | 5,480 |
| Net charge-offs to loans | 1.1897% | 911 |
| Credit loss provision to net charge-offs | 88.9109% | 3,078 |
| Earnings coverage of net charge-offs (x) | 1.0079% | 4,521 |
| Efficiency ratio | 75.7272% | 2,780 |
| Assets per employee ($millions) | 6.1323% | 1,149 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5901% | 3,638 |
| Loan loss allowance to noncurrent loans | 23.0582% | 6,433 |
| Noncurrent assets plus other real estate owned to assets | 4.4661% | 1,116 |
| Noncurrent loans to loans | 6.8958% | 574 |
| Net loans and leases to total assets | 55.8033% | 4,500 |
| Net loans and leases to deposits | 62.7629% | 4,905 |
| Net loans and leases to core deposits | 64.5577% | 5,151 |
| Total domestic deposits to total assets | 88.9112% | 1,568 |
| Equity capital to assets | 10.6030% | 3,565 |
| Core capital (leverage) ratio | 9.8914% | 3,587 |
| Tier 1 risk-based capital ratio | 18.7686% | 2,042 |
| Total risk-based capital ratio | 20.0246% | 2,008 |
| Memoranda: |
| Average total assets | $151,054,670 | 3,819 |
| Average earning assets | $134,564,330 | 3,875 |
| Average equity | $15,521,670 | 3,886 |
| Average total loans | $84,896,670 | 3,947 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5479% | 6,637 |
| Cost of funding earning assets | 0.9839% | 2,079 |
| Net interest margin | 2.5640% | 6,903 |
| Noninterest income to average assets | 0.3530% | 5,042 |
| Noninterest expense to average assets | 2.0158% | 6,434 |
| Loan and lease loss provision to assets | 0.8366% | 564 |
| Net operating income to assets | -0.0409% | 6,473 |
| Return on assets (ROA) | -0.0392% | 6,567 |
| Pretax return on assets | -0.2144% | 6,674 |
| Return on Equity (ROE) | -0.3876% | 6,576 |
| Retained earnings to average equity (ytd only) | -0.3876% | 6,063 |
| Net charge-offs to loans | 1.6539% | 583 |
| Credit loss provision to net charge-offs | 90.3955% | 2,536 |
| Earnings coverage of net charge-offs (x) | 0.6695% | 4,001 |
| Efficiency ratio | 76.4881% | 2,715 |
| Assets per employee ($millions) | 6.2814% | 1,101 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5990% | 3,721 |
| Loan loss allowance to noncurrent loans | 23.2586% | 6,445 |
| Noncurrent assets plus other real estate owned to assets | 4.3727% | 1,232 |
| Noncurrent loans to loans | 6.8751% | 661 |
| Net loans and leases to total assets | 55.0659% | 4,543 |
| Net loans and leases to deposits | 61.6032% | 4,972 |
| Net loans and leases to core deposits | 63.3134% | 5,197 |
| Total domestic deposits to total assets | 89.3880% | 1,428 |
| Equity capital to assets | 10.2631% | 3,776 |
| Core capital (leverage) ratio | 9.5664% | 3,964 |
| Tier 1 risk-based capital ratio | 18.7497% | 2,066 |
| Total risk-based capital ratio | 20.0058% | 2,035 |
| Memoranda: |
| Average total assets | $152,994,000 | 3,823 |
| Average earning assets | $136,191,500 | 3,881 |
| Average equity | $15,480,000 | 3,898 |
| Average total loans | $85,617,000 | 3,950 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2873% | 5,795 |
| Cost of funding earning assets | 1.1272% | 2,487 |
| Net interest margin | 3.1601% | 6,190 |
| Noninterest income to average assets | 0.3786% | 4,802 |
| Noninterest expense to average assets | 2.1958% | 6,276 |
| Loan and lease loss provision to assets | 0.4054% | 2,565 |
| Net operating income to assets | 0.4265% | 4,751 |
| Return on assets (ROA) | 0.4699% | 4,746 |
| Pretax return on assets | 0.6918% | 4,351 |
| Return on Equity (ROE) | 4.5174% | 4,622 |
| Retained earnings to average equity (ytd only) | 4.5174% | 2,957 |
| Net charge-offs to loans | 0.5145% | 2,932 |
| Credit loss provision to net charge-offs | 126.8817% | 2,449 |
| Earnings coverage of net charge-offs (x) | 3.2344% | 3,594 |
| Efficiency ratio | 68.0000% | 4,358 |
| Assets per employee ($millions) | 5.9705% | 1,247 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4228% | 4,362 |
| Loan loss allowance to noncurrent loans | 29.1716% | 6,246 |
| Noncurrent assets plus other real estate owned to assets | 3.3395% | 1,772 |
| Noncurrent loans to loans | 4.8773% | 1,178 |
| Net loans and leases to total assets | 55.1651% | 4,859 |
| Net loans and leases to deposits | 61.5353% | 5,305 |
| Net loans and leases to core deposits | 62.7901% | 5,565 |
| Total domestic deposits to total assets | 89.6479% | 1,177 |
| Equity capital to assets | 9.9772% | 4,196 |
| Core capital (leverage) ratio | 9.2718% | 4,369 |
| Tier 1 risk-based capital ratio | 17.0458% | 2,581 |
| Total risk-based capital ratio | 18.2979% | 2,531 |
| Memoranda: |
| Average total assets | $145,552,200 | 3,882 |
| Average earning assets | $131,294,200 | 3,905 |
| Average equity | $15,141,400 | 3,878 |
| Average total loans | $90,383,800 | 3,840 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4666% | 5,366 |
| Cost of funding earning assets | 1.1673% | 2,518 |
| Net interest margin | 3.2993% | 5,860 |
| Noninterest income to average assets | 0.4145% | 4,547 |
| Noninterest expense to average assets | 2.2738% | 6,107 |
| Loan and lease loss provision to assets | 0.4378% | 2,288 |
| Net operating income to assets | 0.4670% | 4,689 |
| Return on assets (ROA) | 0.5170% | 4,657 |
| Pretax return on assets | 0.7648% | 4,261 |
| Return on Equity (ROE) | 4.9153% | 4,564 |
| Retained earnings to average equity (ytd only) | 4.9153% | 3,232 |
| Net charge-offs to loans | -0.0205% | 6,916 |
| Credit loss provision to net charge-offs | -3,357.1429% | 6,871 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8218% | 4,564 |
| Assets per employee ($millions) | 5.4373% | 1,657 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7884% | 2,983 |
| Loan loss allowance to noncurrent loans | 38.2473% | 5,736 |
| Noncurrent assets plus other real estate owned to assets | 3.6161% | 1,739 |
| Noncurrent loans to loans | 4.6760% | 1,382 |
| Net loans and leases to total assets | 61.8799% | 3,757 |
| Net loans and leases to deposits | 70.2541% | 4,257 |
| Net loans and leases to core deposits | 71.2619% | 4,811 |
| Total domestic deposits to total assets | 88.0801% | 1,999 |
| Equity capital to assets | 10.9402% | 3,198 |
| Core capital (leverage) ratio | 10.1367% | 3,257 |
| Tier 1 risk-based capital ratio | 17.2919% | 2,530 |
| Total risk-based capital ratio | 18.5509% | 2,486 |
| Memoranda: |
| Average total assets | $143,131,750 | 3,944 |
| Average earning assets | $129,641,250 | 3,965 |
| Average equity | $15,054,750 | 3,908 |
| Average total loans | $91,262,000 | 3,861 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3301% | 5,910 |
| Cost of funding earning assets | 1.1953% | 2,608 |
| Net interest margin | 3.1347% | 6,320 |
| Noninterest income to average assets | 0.3368% | 5,194 |
| Noninterest expense to average assets | 2.2655% | 6,211 |
| Loan and lease loss provision to assets | 0.3618% | 2,621 |
| Net operating income to assets | 0.3880% | 5,004 |
| Return on assets (ROA) | 0.4230% | 4,994 |
| Pretax return on assets | 0.6220% | 4,665 |
| Return on Equity (ROE) | 4.0757% | 4,903 |
| Retained earnings to average equity (ytd only) | 4.0757% | 3,605 |
| Net charge-offs to loans | 0.0261% | 5,459 |
| Credit loss provision to net charge-offs | 2,166.6667% | 151 |
| Earnings coverage of net charge-offs (x) | 55.8333% | 571 |
| Efficiency ratio | 70.8442% | 3,958 |
| Assets per employee ($millions) | 5.3731% | 1,689 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7755% | 3,074 |
| Loan loss allowance to noncurrent loans | 26.0658% | 6,471 |
| Noncurrent assets plus other real estate owned to assets | 4.8189% | 1,285 |
| Noncurrent loans to loans | 6.8118% | 780 |
| Net loans and leases to total assets | 63.6760% | 3,538 |
| Net loans and leases to deposits | 71.7983% | 4,145 |
| Net loans and leases to core deposits | 73.0111% | 4,705 |
| Total domestic deposits to total assets | 88.6873% | 1,728 |
| Equity capital to assets | 10.8589% | 3,119 |
| Core capital (leverage) ratio | 10.0547% | 3,198 |
| Tier 1 risk-based capital ratio | 16.7751% | 2,615 |
| Total risk-based capital ratio | 18.0332% | 2,573 |
| Memoranda: |
| Average total assets | $143,719,330 | 3,964 |
| Average earning assets | $131,175,670 | 3,956 |
| Average equity | $14,917,670 | 3,921 |
| Average total loans | $91,992,000 | 3,888 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3699% | 5,789 |
| Cost of funding earning assets | 1.2528% | 2,487 |
| Net interest margin | 3.1171% | 6,301 |
| Noninterest income to average assets | 0.3596% | 5,031 |
| Noninterest expense to average assets | 2.2590% | 6,286 |
| Loan and lease loss provision to assets | 0.3843% | 2,257 |
| Net operating income to assets | 0.3968% | 4,961 |
| Return on assets (ROA) | 0.4584% | 4,757 |
| Pretax return on assets | 0.6917% | 4,337 |
| Return on Equity (ROE) | 4.5161% | 4,646 |
| Retained earnings to average equity (ytd only) | 4.5161% | 3,464 |
| Net charge-offs to loans | -0.1467% | 7,196 |
| Credit loss provision to net charge-offs | -411.7647% | 5,929 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6867% | 4,338 |
| Assets per employee ($millions) | 5.4092% | 1,653 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7753% | 3,088 |
| Loan loss allowance to noncurrent loans | 41.9756% | 5,502 |
| Noncurrent assets plus other real estate owned to assets | 3.6540% | 1,856 |
| Noncurrent loans to loans | 4.2294% | 1,688 |
| Net loans and leases to total assets | 63.6914% | 3,501 |
| Net loans and leases to deposits | 71.5650% | 4,129 |
| Net loans and leases to core deposits | 72.7666% | 4,683 |
| Total domestic deposits to total assets | 88.9981% | 1,773 |
| Equity capital to assets | 10.5540% | 3,123 |
| Core capital (leverage) ratio | 9.8708% | 3,312 |
| Tier 1 risk-based capital ratio | 16.2403% | 2,787 |
| Total risk-based capital ratio | 17.4981% | 2,750 |
| Memoranda: |
| Average total assets | $145,728,500 | 3,959 |
| Average earning assets | $134,739,500 | 3,920 |
| Average equity | $14,791,500 | 3,942 |
| Average total loans | $92,706,000 | 3,905 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6433% | 5,977 |
| Cost of funding earning assets | 1.6199% | 1,953 |
| Net interest margin | 3.0233% | 6,692 |
| Noninterest income to average assets | 0.4190% | 4,750 |
| Noninterest expense to average assets | 2.2333% | 6,533 |
| Loan and lease loss provision to assets | 0.3474% | 4,046 |
| Net operating income to assets | 0.4325% | 4,400 |
| Return on assets (ROA) | 0.4600% | 4,436 |
| Pretax return on assets | 0.6831% | 4,036 |
| Return on Equity (ROE) | 4.5764% | 4,261 |
| Retained earnings to average equity (ytd only) | 4.5764% | 2,675 |
| Net charge-offs to loans | -0.3467% | 7,578 |
| Credit loss provision to net charge-offs | -151.9757% | 7,045 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2971% | 4,314 |
| Assets per employee ($millions) | 5.8007% | 1,353 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5899% | 3,612 |
| Loan loss allowance to noncurrent loans | 24.4412% | 6,625 |
| Noncurrent assets plus other real estate owned to assets | 4.2210% | 1,586 |
| Noncurrent loans to loans | 6.5051% | 923 |
| Net loans and leases to total assets | 61.4781% | 4,399 |
| Net loans and leases to deposits | 70.2914% | 4,781 |
| Net loans and leases to core deposits | 71.4170% | 5,281 |
| Total domestic deposits to total assets | 87.4617% | 2,575 |
| Equity capital to assets | 9.7734% | 4,028 |
| Core capital (leverage) ratio | 9.1105% | 4,343 |
| Tier 1 risk-based capital ratio | 15.2486% | 3,128 |
| Total risk-based capital ratio | 16.5040% | 3,074 |
| Memoranda: |
| Average total assets | $143,912,200 | 3,985 |
| Average earning assets | $133,461,400 | 3,947 |
| Average equity | $14,465,600 | 4,035 |
| Average total loans | $94,899,400 | 3,929 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7929% | 5,695 |
| Cost of funding earning assets | 1.7065% | 1,843 |
| Net interest margin | 3.0864% | 6,647 |
| Noninterest income to average assets | 0.4407% | 4,631 |
| Noninterest expense to average assets | 2.2440% | 6,479 |
| Loan and lease loss provision to assets | 0.3751% | 3,642 |
| Net operating income to assets | 0.4607% | 4,488 |
| Return on assets (ROA) | 0.4726% | 4,629 |
| Pretax return on assets | 0.7023% | 4,220 |
| Return on Equity (ROE) | 4.6675% | 4,468 |
| Retained earnings to average equity (ytd only) | 4.6675% | 3,217 |
| Net charge-offs to loans | -0.3240% | 7,652 |
| Credit loss provision to net charge-offs | -173.1602% | 6,939 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9251% | 4,477 |
| Assets per employee ($millions) | 5.3450% | 1,773 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3690% | 4,631 |
| Loan loss allowance to noncurrent loans | 38.0339% | 5,783 |
| Noncurrent assets plus other real estate owned to assets | 2.4862% | 2,886 |
| Noncurrent loans to loans | 3.5993% | 2,176 |
| Net loans and leases to total assets | 67.3985% | 3,353 |
| Net loans and leases to deposits | 78.1026% | 3,809 |
| Net loans and leases to core deposits | 79.4765% | 4,591 |
| Total domestic deposits to total assets | 86.2948% | 2,921 |
| Equity capital to assets | 10.5966% | 3,413 |
| Core capital (leverage) ratio | 9.7183% | 3,596 |
| Tier 1 risk-based capital ratio | 15.3859% | 3,052 |
| Total risk-based capital ratio | 16.6398% | 3,016 |
| Memoranda: |
| Average total assets | $142,185,750 | 4,074 |
| Average earning assets | $131,886,250 | 4,035 |
| Average equity | $14,397,000 | 4,113 |
| Average total loans | $95,069,750 | 3,996 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7690% | 5,899 |
| Cost of funding earning assets | 1.7667% | 1,785 |
| Net interest margin | 3.0023% | 6,817 |
| Noninterest income to average assets | 0.4174% | 4,774 |
| Noninterest expense to average assets | 2.2547% | 6,497 |
| Loan and lease loss provision to assets | 0.3769% | 3,453 |
| Net operating income to assets | 0.3839% | 4,829 |
| Return on assets (ROA) | 0.3839% | 4,993 |
| Pretax return on assets | 0.5710% | 4,664 |
| Return on Equity (ROE) | 3.8496% | 4,847 |
| Retained earnings to average equity (ytd only) | 3.8496% | 3,637 |
| Net charge-offs to loans | -0.7528% | 7,754 |
| Credit loss provision to net charge-offs | -75.4190% | 6,658 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4010% | 4,111 |
| Assets per employee ($millions) | 5.3672% | 1,737 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3486% | 4,688 |
| Loan loss allowance to noncurrent loans | 49.2968% | 5,002 |
| Noncurrent assets plus other real estate owned to assets | 1.9004% | 3,619 |
| Noncurrent loans to loans | 2.7357% | 2,912 |
| Net loans and leases to total assets | 67.9878% | 3,362 |
| Net loans and leases to deposits | 78.5415% | 3,878 |
| Net loans and leases to core deposits | 80.0761% | 4,684 |
| Total domestic deposits to total assets | 86.5630% | 2,785 |
| Equity capital to assets | 10.4051% | 3,521 |
| Core capital (leverage) ratio | 9.5155% | 3,800 |
| Tier 1 risk-based capital ratio | 15.0347% | 3,139 |
| Total risk-based capital ratio | 16.2880% | 3,107 |
| Memoranda: |
| Average total assets | $143,258,000 | 4,067 |
| Average earning assets | $132,899,670 | 4,041 |
| Average equity | $14,287,330 | 4,139 |
| Average total loans | $95,105,330 | 4,040 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5361% | 6,713 |
| Cost of funding earning assets | 1.7817% | 1,961 |
| Net interest margin | 2.7544% | 7,242 |
| Noninterest income to average assets | 0.3942% | 4,959 |
| Noninterest expense to average assets | 2.2134% | 6,656 |
| Loan and lease loss provision to assets | 0.2481% | 4,063 |
| Net operating income to assets | 0.3308% | 5,162 |
| Return on assets (ROA) | 0.3308% | 5,292 |
| Pretax return on assets | 0.4851% | 5,016 |
| Return on Equity (ROE) | 3.3872% | 5,171 |
| Retained earnings to average equity (ytd only) | 3.3872% | 4,125 |
| Net charge-offs to loans | -0.1480% | 7,608 |
| Credit loss provision to net charge-offs | -257.1429% | 6,164 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1169% | 3,380 |
| Assets per employee ($millions) | 5.5149% | 1,654 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8464% | 7,000 |
| Loan loss allowance to noncurrent loans | 11.5676% | 7,299 |
| Noncurrent assets plus other real estate owned to assets | 4.8017% | 1,373 |
| Noncurrent loans to loans | 7.3166% | 795 |
| Net loans and leases to total assets | 64.8729% | 4,124 |
| Net loans and leases to deposits | 74.7731% | 4,630 |
| Net loans and leases to core deposits | 75.8827% | 5,271 |
| Total domestic deposits to total assets | 86.7597% | 2,762 |
| Equity capital to assets | 9.9506% | 3,931 |
| Core capital (leverage) ratio | 9.1613% | 4,282 |
| Tier 1 risk-based capital ratio | 14.9673% | 3,126 |
| Total risk-based capital ratio | 15.8799% | 3,267 |
| Memoranda: |
| Average total assets | $145,113,500 | 4,110 |
| Average earning assets | $134,477,000 | 4,068 |
| Average equity | $14,171,000 | 4,206 |
| Average total loans | $94,572,000 | 4,111 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2928% | 5,208 |
| Cost of funding earning assets | 2.1102% | 2,416 |
| Net interest margin | 3.1827% | 6,150 |
| Noninterest income to average assets | 0.4549% | 4,762 |
| Noninterest expense to average assets | 2.2736% | 6,815 |
| Loan and lease loss provision to assets | 0.1958% | 5,773 |
| Net operating income to assets | 0.6093% | 3,296 |
| Return on assets (ROA) | 0.6079% | 3,369 |
| Pretax return on assets | 0.9111% | 2,889 |
| Return on Equity (ROE) | 6.2753% | 3,090 |
| Retained earnings to average equity (ytd only) | 6.2753% | 1,240 |
| Net charge-offs to loans | 0.1785% | 5,525 |
| Credit loss provision to net charge-offs | 161.7647% | 2,734 |
| Earnings coverage of net charge-offs (x) | 9.1647% | 1,837 |
| Efficiency ratio | 67.2138% | 5,145 |
| Assets per employee ($millions) | 5.6477% | 1,516 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7028% | 7,374 |
| Loan loss allowance to noncurrent loans | 10.4851% | 7,361 |
| Noncurrent assets plus other real estate owned to assets | 4.3817% | 1,480 |
| Noncurrent loans to loans | 6.7030% | 884 |
| Net loans and leases to total assets | 64.4652% | 4,499 |
| Net loans and leases to deposits | 73.8545% | 5,061 |
| Net loans and leases to core deposits | 86.7843% | 5,445 |
| Total domestic deposits to total assets | 87.2868% | 2,334 |
| Equity capital to assets | 9.5846% | 4,288 |
| Core capital (leverage) ratio | 8.8641% | 4,656 |
| Tier 1 risk-based capital ratio | 14.4849% | 3,217 |
| Total risk-based capital ratio | 15.2365% | 3,461 |
| Memoranda: |
| Average total assets | $140,483,400 | 4,116 |
| Average earning assets | $129,231,800 | 4,103 |
| Average equity | $13,609,000 | 4,357 |
| Average total loans | $95,227,000 | 4,082 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4418% | 4,727 |
| Cost of funding earning assets | 2.2325% | 2,269 |
| Net interest margin | 3.2093% | 5,985 |
| Noninterest income to average assets | 0.4569% | 4,852 |
| Noninterest expense to average assets | 2.3144% | 6,660 |
| Loan and lease loss provision to assets | 0.1920% | 5,461 |
| Net operating income to assets | 0.6000% | 3,603 |
| Return on assets (ROA) | 0.5980% | 3,663 |
| Pretax return on assets | 0.8966% | 3,236 |
| Return on Equity (ROE) | 6.1563% | 3,462 |
| Retained earnings to average equity (ytd only) | 6.1563% | 1,875 |
| Net charge-offs to loans | 0.2143% | 4,690 |
| Credit loss provision to net charge-offs | 130.7190% | 3,829 |
| Earnings coverage of net charge-offs (x) | 7.4315% | 2,407 |
| Efficiency ratio | 67.9538% | 4,987 |
| Assets per employee ($millions) | 5.0651% | 2,064 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6351% | 7,513 |
| Loan loss allowance to noncurrent loans | 9.6830% | 7,459 |
| Noncurrent assets plus other real estate owned to assets | 4.8074% | 1,229 |
| Noncurrent loans to loans | 6.5592% | 871 |
| Net loans and leases to total assets | 72.5855% | 2,889 |
| Net loans and leases to deposits | 84.6573% | 3,541 |
| Net loans and leases to core deposits | 100.5279% | 4,319 |
| Total domestic deposits to total assets | 85.7403% | 2,839 |
| Equity capital to assets | 10.5503% | 3,459 |
| Core capital (leverage) ratio | 9.7132% | 3,625 |
| Tier 1 risk-based capital ratio | 14.8193% | 3,124 |
| Total risk-based capital ratio | 15.5338% | 3,340 |
| Memoranda: |
| Average total assets | $138,894,500 | 4,163 |
| Average earning assets | $127,626,750 | 4,161 |
| Average equity | $13,492,750 | 4,415 |
| Average total loans | $95,201,250 | 4,116 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2379% | 5,925 |
| Cost of funding earning assets | 2.3486% | 2,164 |
| Net interest margin | 2.8893% | 6,824 |
| Noninterest income to average assets | 0.4303% | 5,029 |
| Noninterest expense to average assets | 2.2846% | 6,798 |
| Loan and lease loss provision to assets | 0.0991% | 6,182 |
| Net operating income to assets | 0.4657% | 4,234 |
| Return on assets (ROA) | 0.4629% | 4,355 |
| Pretax return on assets | 0.6893% | 4,036 |
| Return on Equity (ROE) | 4.8956% | 4,123 |
| Retained earnings to average equity (ytd only) | 4.8956% | 2,566 |
| Net charge-offs to loans | 0.3310% | 3,531 |
| Credit loss provision to net charge-offs | 44.5860% | 5,835 |
| Earnings coverage of net charge-offs (x) | 3.5669% | 3,389 |
| Efficiency ratio | 74.2410% | 4,000 |
| Assets per employee ($millions) | 5.3080% | 1,768 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5421% | 7,736 |
| Loan loss allowance to noncurrent loans | 9.9981% | 7,494 |
| Noncurrent assets plus other real estate owned to assets | 3.9280% | 1,527 |
| Noncurrent loans to loans | 5.4223% | 1,073 |
| Net loans and leases to total assets | 68.7267% | 4,020 |
| Net loans and leases to deposits | 79.2939% | 4,657 |
| Net loans and leases to core deposits | 94.0440% | 5,113 |
| Total domestic deposits to total assets | 86.6733% | 2,418 |
| Equity capital to assets | 9.7668% | 4,265 |
| Core capital (leverage) ratio | 9.0537% | 4,549 |
| Tier 1 risk-based capital ratio | 14.3795% | 3,316 |
| Total risk-based capital ratio | 14.9792% | 3,606 |
| Memoranda: |
| Average total assets | $141,295,000 | 4,153 |
| Average earning assets | $129,441,000 | 4,146 |
| Average equity | $13,359,000 | 4,453 |
| Average total loans | $94,868,000 | 4,147 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2481% | 6,122 |
| Cost of funding earning assets | 2.4794% | 1,994 |
| Net interest margin | 2.7686% | 7,056 |
| Noninterest income to average assets | 0.4198% | 5,055 |
| Noninterest expense to average assets | 2.1240% | 7,066 |
| Loan and lease loss provision to assets | 0.0840% | 5,879 |
| Net operating income to assets | 0.4869% | 4,482 |
| Return on assets (ROA) | 0.4869% | 4,671 |
| Pretax return on assets | 0.7304% | 4,322 |
| Return on Equity (ROE) | 5.2335% | 4,368 |
| Retained earnings to average equity (ytd only) | 5.2335% | 3,004 |
| Net charge-offs to loans | 0.5158% | 2,171 |
| Credit loss provision to net charge-offs | 24.5902% | 5,016 |
| Earnings coverage of net charge-offs (x) | 2.3852% | 3,537 |
| Efficiency ratio | 72.2857% | 4,140 |
| Assets per employee ($millions) | 5.6156% | 1,461 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5433% | 7,766 |
| Loan loss allowance to noncurrent loans | 8.8276% | 7,526 |
| Noncurrent assets plus other real estate owned to assets | 4.3095% | 1,145 |
| Noncurrent loans to loans | 6.1550% | 762 |
| Net loans and leases to total assets | 66.7581% | 4,395 |
| Net loans and leases to deposits | 76.5638% | 5,137 |
| Net loans and leases to core deposits | 90.4154% | 5,516 |
| Total domestic deposits to total assets | 87.1927% | 2,125 |
| Equity capital to assets | 9.5641% | 4,578 |
| Core capital (leverage) ratio | 8.8021% | 4,982 |
| Tier 1 risk-based capital ratio | 14.3659% | 3,384 |
| Total risk-based capital ratio | 14.9662% | 3,660 |
| Memoranda: |
| Average total assets | $142,938,000 | 4,129 |
| Average earning assets | $130,029,000 | 4,154 |
| Average equity | $13,299,000 | 4,506 |
| Average total loans | $94,619,000 | 4,186 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.0046% | 5,526 |
| Cost of funding earning assets | 3.2222% | 1,122 |
| Net interest margin | 2.7824% | 7,358 |
| Noninterest income to average assets | 0.4618% | 4,951 |
| Noninterest expense to average assets | 2.1260% | 7,171 |
| Loan and lease loss provision to assets | 0.0642% | 6,595 |
| Net operating income to assets | 0.5462% | 4,547 |
| Return on assets (ROA) | 0.5462% | 4,399 |
| Pretax return on assets | 0.8001% | 4,071 |
| Return on Equity (ROE) | 5.8777% | 3,997 |
| Retained earnings to average equity (ytd only) | -24.1488% | 7,789 |
| Net charge-offs to loans | 0.4883% | 2,405 |
| Credit loss provision to net charge-offs | 19.7425% | 6,579 |
| Earnings coverage of net charge-offs (x) | 2.6588% | 4,752 |
| Efficiency ratio | 71.0987% | 4,113 |
| Assets per employee ($millions) | 5.8195% | 1,252 |
| Cash dividends to net income (ytd only)* | 510.8557% | 90 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6358% | 7,597 |
| Loan loss allowance to noncurrent loans | 10.6770% | 7,497 |
| Noncurrent assets plus other real estate owned to assets | 4.0602% | 1,001 |
| Noncurrent loans to loans | 5.9544% | 606 |
| Net loans and leases to total assets | 64.8862% | 5,085 |
| Net loans and leases to deposits | 74.2065% | 5,822 |
| Net loans and leases to core deposits | 86.3111% | 6,113 |
| Total domestic deposits to total assets | 87.4401% | 1,733 |
| Equity capital to assets | 9.0530% | 5,301 |
| Core capital (leverage) ratio | 8.3697% | 5,818 |
| Tier 1 risk-based capital ratio | 13.9531% | 3,566 |
| Total risk-based capital ratio | 14.6504% | 3,776 |
| Memoranda: |
| Average total assets | $143,365,200 | 4,018 |
| Average earning assets | $130,283,600 | 4,037 |
| Average equity | $13,321,600 | 4,491 |
| Average total loans | $95,433,000 | 4,071 |
