| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4503% | 340 |
| Cost of funding earning assets | 0.7562% | 896 |
| Net interest margin | 4.6941% | 491 |
| Noninterest income to average assets | 0.0841% | 6,333 |
| Noninterest expense to average assets | 4.1124% | 665 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.5117% | 4,762 |
| Return on assets (ROA) | 0.5117% | 4,858 |
| Pretax return on assets | 0.5117% | 5,246 |
| Return on Equity (ROE) | 4.0131% | 5,142 |
| Retained earnings to average equity (ytd only) | 4.0131% | 3,627 |
| Net charge-offs to loans | -0.0091% | 5,304 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.9338% | 997 |
| Assets per employee ($millions) | 4.5676% | 2,817 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4861% | 729 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 76.8356% | 1,069 |
| Net loans and leases to deposits | 88.4563% | 1,540 |
| Net loans and leases to core deposits | 100.1803% | 1,273 |
| Total domestic deposits to total assets | 86.8628% | 2,539 |
| Equity capital to assets | 12.8261% | 1,473 |
| Core capital (leverage) ratio | 12.0026% | 1,649 |
| Tier 1 risk-based capital ratio | 16.4604% | 2,847 |
| Total risk-based capital ratio | 17.7231% | 2,805 |
| Memoranda: |
| Average total assets | $85,595,000 | 5,030 |
| Average earning assets | $82,785,000 | 4,911 |
| Average equity | $10,914,330 | 4,631 |
| Average total loans | $66,040,670 | 4,354 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3827% | 358 |
| Cost of funding earning assets | 0.7384% | 1,027 |
| Net interest margin | 4.6443% | 517 |
| Noninterest income to average assets | 0.0941% | 6,349 |
| Noninterest expense to average assets | 4.1270% | 654 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.4659% | 4,869 |
| Return on assets (ROA) | 0.4659% | 4,935 |
| Pretax return on assets | 0.4659% | 5,268 |
| Return on Equity (ROE) | 3.6646% | 5,195 |
| Retained earnings to average equity (ytd only) | 3.6646% | 3,937 |
| Net charge-offs to loans | -0.0062% | 4,872 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.8566% | 1,047 |
| Assets per employee ($millions) | 4.8623% | 2,429 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.5542% | 763 |
| Loan loss allowance to noncurrent loans | 116.7813% | 3,236 |
| Noncurrent assets plus other real estate owned to assets | 1.6613% | 2,128 |
| Noncurrent loans to loans | 2.1871% | 1,667 |
| Net loans and leases to total assets | 74.0188% | 1,262 |
| Net loans and leases to deposits | 84.8532% | 1,737 |
| Net loans and leases to core deposits | 96.6968% | 1,333 |
| Total domestic deposits to total assets | 87.2316% | 2,679 |
| Equity capital to assets | 12.4702% | 1,593 |
| Core capital (leverage) ratio | 12.1727% | 1,554 |
| Tier 1 risk-based capital ratio | 16.3676% | 2,964 |
| Total risk-based capital ratio | 17.6275% | 2,930 |
| Memoranda: |
| Average total assets | $85,000,500 | 5,088 |
| Average earning assets | $82,338,000 | 4,965 |
| Average equity | $10,806,000 | 4,664 |
| Average total loans | $64,870,500 | 4,433 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.0572% | 158 |
| Cost of funding earning assets | 0.7515% | 1,487 |
| Net interest margin | 5.3056% | 182 |
| Noninterest income to average assets | 0.5279% | 3,569 |
| Noninterest expense to average assets | 4.5920% | 485 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.0570% | 2,084 |
| Return on assets (ROA) | 1.0570% | 2,170 |
| Pretax return on assets | 1.0570% | 3,123 |
| Return on Equity (ROE) | 8.1142% | 2,978 |
| Retained earnings to average equity (ytd only) | 8.1142% | 1,022 |
| Net charge-offs to loans | -0.0083% | 5,994 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.2885% | 1,981 |
| Assets per employee ($millions) | 4.3411% | 3,192 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.6825% | 671 |
| Loan loss allowance to noncurrent loans | 99.5308% | 3,623 |
| Noncurrent assets plus other real estate owned to assets | 2.0672% | 1,733 |
| Noncurrent loans to loans | 2.6952% | 1,357 |
| Net loans and leases to total assets | 74.6411% | 1,262 |
| Net loans and leases to deposits | 86.0746% | 1,677 |
| Net loans and leases to core deposits | 99.8038% | 1,174 |
| Total domestic deposits to total assets | 86.7168% | 2,868 |
| Equity capital to assets | 12.9704% | 1,287 |
| Core capital (leverage) ratio | 12.7380% | 1,239 |
| Tier 1 risk-based capital ratio | 16.8942% | 2,660 |
| Total risk-based capital ratio | 18.1632% | 2,612 |
| Memoranda: |
| Average total assets | $80,509,400 | 5,226 |
| Average earning assets | $77,709,800 | 5,098 |
| Average equity | $10,487,800 | 4,747 |
| Average total loans | $60,061,400 | 4,608 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.2693% | 123 |
| Cost of funding earning assets | 0.7666% | 1,505 |
| Net interest margin | 5.5027% | 134 |
| Noninterest income to average assets | 0.6765% | 2,744 |
| Noninterest expense to average assets | 4.4056% | 572 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.5813% | 774 |
| Return on assets (ROA) | 1.5813% | 822 |
| Pretax return on assets | 1.5813% | 1,384 |
| Return on Equity (ROE) | 12.1252% | 1,440 |
| Retained earnings to average equity (ytd only) | 12.1252% | 404 |
| Net charge-offs to loans | -0.0090% | 5,873 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5875% | 3,127 |
| Assets per employee ($millions) | 4.5164% | 2,858 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.7209% | 724 |
| Loan loss allowance to noncurrent loans | 98.0347% | 3,518 |
| Noncurrent assets plus other real estate owned to assets | 2.1280% | 1,874 |
| Noncurrent loans to loans | 2.7754% | 1,508 |
| Net loans and leases to total assets | 74.5879% | 1,194 |
| Net loans and leases to deposits | 87.5890% | 1,419 |
| Net loans and leases to core deposits | 101.6717% | 1,015 |
| Total domestic deposits to total assets | 85.1567% | 3,657 |
| Equity capital to assets | 13.3684% | 1,173 |
| Core capital (leverage) ratio | 12.7105% | 1,319 |
| Tier 1 risk-based capital ratio | 16.7507% | 2,838 |
| Total risk-based capital ratio | 18.0189% | 2,772 |
| Memoranda: |
| Average total assets | $80,016,750 | 5,286 |
| Average earning assets | $77,221,250 | 5,165 |
| Average equity | $10,435,250 | 4,807 |
| Average total loans | $59,261,500 | 4,670 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6124% | 312 |
| Cost of funding earning assets | 0.7791% | 1,533 |
| Net interest margin | 4.8334% | 412 |
| Noninterest income to average assets | 0.1055% | 6,512 |
| Noninterest expense to average assets | 4.0583% | 814 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.7086% | 3,763 |
| Return on assets (ROA) | 0.7086% | 3,935 |
| Pretax return on assets | 0.7086% | 4,659 |
| Return on Equity (ROE) | 5.4805% | 4,471 |
| Retained earnings to average equity (ytd only) | 5.4805% | 2,754 |
| Net charge-offs to loans | -0.0069% | 5,697 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.1344% | 1,510 |
| Assets per employee ($millions) | 4.4516% | 2,892 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.7883% | 719 |
| Loan loss allowance to noncurrent loans | 75.0221% | 4,216 |
| Noncurrent assets plus other real estate owned to assets | 2.8180% | 1,460 |
| Noncurrent loans to loans | 3.7166% | 1,097 |
| Net loans and leases to total assets | 73.7071% | 1,302 |
| Net loans and leases to deposits | 84.9466% | 1,690 |
| Net loans and leases to core deposits | 100.9331% | 1,015 |
| Total domestic deposits to total assets | 86.7687% | 2,968 |
| Equity capital to assets | 12.7858% | 1,424 |
| Core capital (leverage) ratio | 12.3336% | 1,442 |
| Tier 1 risk-based capital ratio | 15.9451% | 3,226 |
| Total risk-based capital ratio | 17.1823% | 3,174 |
| Memoranda: |
| Average total assets | $79,590,330 | 5,330 |
| Average earning assets | $76,758,330 | 5,204 |
| Average equity | $10,291,000 | 4,875 |
| Average total loans | $58,237,670 | 4,736 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5931% | 316 |
| Cost of funding earning assets | 0.7803% | 1,642 |
| Net interest margin | 4.8128% | 395 |
| Noninterest income to average assets | 0.1563% | 6,324 |
| Noninterest expense to average assets | 4.1199% | 775 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.6707% | 3,845 |
| Return on assets (ROA) | 0.6707% | 4,000 |
| Pretax return on assets | 0.6707% | 4,702 |
| Return on Equity (ROE) | 5.1580% | 4,489 |
| Retained earnings to average equity (ytd only) | 5.1580% | 3,139 |
| Net charge-offs to loans | -0.0070% | 5,343 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.0000% | 1,518 |
| Assets per employee ($millions) | 4.4123% | 3,129 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.9341% | 704 |
| Loan loss allowance to noncurrent loans | 54.1933% | 4,974 |
| Noncurrent assets plus other real estate owned to assets | 3.9334% | 1,030 |
| Noncurrent loans to loans | 5.4141% | 675 |
| Net loans and leases to total assets | 70.5195% | 1,577 |
| Net loans and leases to deposits | 81.4046% | 1,907 |
| Net loans and leases to core deposits | 96.4475% | 1,178 |
| Total domestic deposits to total assets | 86.6284% | 3,164 |
| Equity capital to assets | 13.0946% | 1,388 |
| Core capital (leverage) ratio | 12.1058% | 1,508 |
| Tier 1 risk-based capital ratio | 16.3302% | 3,094 |
| Total risk-based capital ratio | 17.6009% | 3,032 |
| Memoranda: |
| Average total assets | $79,321,500 | 5,384 |
| Average earning assets | $76,380,000 | 5,256 |
| Average equity | $10,314,000 | 4,928 |
| Average total loans | $56,979,500 | 4,817 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6080% | 499 |
| Cost of funding earning assets | 0.9197% | 1,818 |
| Net interest margin | 4.6883% | 663 |
| Noninterest income to average assets | 0.3002% | 5,311 |
| Noninterest expense to average assets | 4.0967% | 862 |
| Loan and lease loss provision to assets | 0.0086% | 5,812 |
| Net operating income to assets | 0.6679% | 3,897 |
| Return on assets (ROA) | 0.8676% | 3,213 |
| Pretax return on assets | 0.8676% | 4,038 |
| Return on Equity (ROE) | 7.3756% | 3,418 |
| Retained earnings to average equity (ytd only) | 7.3756% | 1,382 |
| Net charge-offs to loans | 1.0715% | 997 |
| Credit loss provision to net charge-offs | 1.2069% | 5,474 |
| Earnings coverage of net charge-offs (x) | 0.9517% | 4,993 |
| Efficiency ratio | 85.8280% | 1,445 |
| Assets per employee ($millions) | 4.6601% | 2,692 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.0076% | 659 |
| Loan loss allowance to noncurrent loans | 53.5782% | 4,949 |
| Noncurrent assets plus other real estate owned to assets | 3.9863% | 1,073 |
| Noncurrent loans to loans | 5.6134% | 652 |
| Net loans and leases to total assets | 68.8782% | 2,055 |
| Net loans and leases to deposits | 79.3341% | 2,367 |
| Net loans and leases to core deposits | 93.1224% | 1,544 |
| Total domestic deposits to total assets | 86.8204% | 2,926 |
| Equity capital to assets | 12.9107% | 1,486 |
| Core capital (leverage) ratio | 11.9867% | 1,571 |
| Tier 1 risk-based capital ratio | 16.1872% | 3,054 |
| Total risk-based capital ratio | 17.4573% | 2,999 |
| Memoranda: |
| Average total assets | $81,603,000 | 5,311 |
| Average earning assets | $77,853,000 | 5,188 |
| Average equity | $9,599,200 | 5,080 |
| Average total loans | $54,128,600 | 4,932 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5677% | 589 |
| Cost of funding earning assets | 0.9603% | 1,782 |
| Net interest margin | 4.6074% | 805 |
| Noninterest income to average assets | 0.0746% | 6,716 |
| Noninterest expense to average assets | 3.9318% | 1,030 |
| Loan and lease loss provision to assets | 0.0114% | 5,668 |
| Net operating income to assets | 0.5207% | 4,756 |
| Return on assets (ROA) | 0.8305% | 3,545 |
| Pretax return on assets | 0.8305% | 4,379 |
| Return on Equity (ROE) | 7.2299% | 3,680 |
| Retained earnings to average equity (ytd only) | 7.2299% | 1,998 |
| Net charge-offs to loans | 0.7762% | 1,423 |
| Credit loss provision to net charge-offs | 2.2436% | 5,145 |
| Earnings coverage of net charge-offs (x) | 1.0513% | 4,787 |
| Efficiency ratio | 88.0814% | 1,187 |
| Assets per employee ($millions) | 4.6524% | 2,674 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.5898% | 431 |
| Loan loss allowance to noncurrent loans | 45.3494% | 5,380 |
| Noncurrent assets plus other real estate owned to assets | 6.2157% | 626 |
| Noncurrent loans to loans | 7.9159% | 403 |
| Net loans and leases to total assets | 66.5558% | 2,550 |
| Net loans and leases to deposits | 76.4147% | 2,922 |
| Net loans and leases to core deposits | 90.1785% | 1,963 |
| Total domestic deposits to total assets | 87.0982% | 2,606 |
| Equity capital to assets | 12.6729% | 1,783 |
| Core capital (leverage) ratio | 11.7878% | 1,777 |
| Tier 1 risk-based capital ratio | 16.1458% | 3,194 |
| Total risk-based capital ratio | 17.4249% | 3,149 |
| Memoranda: |
| Average total assets | $82,198,500 | 5,345 |
| Average earning assets | $78,307,500 | 5,236 |
| Average equity | $9,442,000 | 5,168 |
| Average total loans | $53,596,250 | 5,008 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5456% | 653 |
| Cost of funding earning assets | 1.0354% | 1,544 |
| Net interest margin | 4.5102% | 979 |
| Noninterest income to average assets | 0.0745% | 6,778 |
| Noninterest expense to average assets | 3.8854% | 1,094 |
| Loan and lease loss provision to assets | 0.0168% | 5,455 |
| Net operating income to assets | 0.4637% | 4,985 |
| Return on assets (ROA) | 0.9227% | 3,056 |
| Pretax return on assets | 0.9227% | 3,991 |
| Return on Equity (ROE) | 8.3042% | 3,109 |
| Retained earnings to average equity (ytd only) | 8.3042% | 1,522 |
| Net charge-offs to loans | 1.1903% | 909 |
| Credit loss provision to net charge-offs | 2.2082% | 4,800 |
| Earnings coverage of net charge-offs (x) | 0.6309% | 4,748 |
| Efficiency ratio | 88.9928% | 1,147 |
| Assets per employee ($millions) | 4.6418% | 2,653 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.6890% | 430 |
| Loan loss allowance to noncurrent loans | 43.6969% | 5,468 |
| Noncurrent assets plus other real estate owned to assets | 6.4224% | 640 |
| Noncurrent loans to loans | 8.4421% | 387 |
| Net loans and leases to total assets | 64.6817% | 2,891 |
| Net loans and leases to deposits | 73.8013% | 3,323 |
| Net loans and leases to core deposits | 86.6085% | 2,345 |
| Total domestic deposits to total assets | 87.6430% | 2,369 |
| Equity capital to assets | 12.1213% | 2,051 |
| Core capital (leverage) ratio | 11.0922% | 2,213 |
| Tier 1 risk-based capital ratio | 15.8406% | 3,252 |
| Total risk-based capital ratio | 17.1185% | 3,201 |
| Memoranda: |
| Average total assets | $83,234,670 | 5,344 |
| Average earning assets | $79,197,670 | 5,232 |
| Average equity | $9,248,330 | 5,214 |
| Average total loans | $53,262,000 | 5,058 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4927% | 767 |
| Cost of funding earning assets | 1.0551% | 1,645 |
| Net interest margin | 4.4375% | 1,141 |
| Noninterest income to average assets | 0.0468% | 6,941 |
| Noninterest expense to average assets | 3.7894% | 1,226 |
| Loan and lease loss provision to assets | 0.0328% | 4,964 |
| Net operating income to assets | 0.4403% | 5,080 |
| Return on assets (ROA) | 0.6932% | 4,139 |
| Pretax return on assets | 0.6932% | 4,816 |
| Return on Equity (ROE) | 6.5127% | 4,034 |
| Retained earnings to average equity (ytd only) | 6.5127% | 2,681 |
| Net charge-offs to loans | -0.0150% | 6,078 |
| Credit loss provision to net charge-offs | -350.0000% | 5,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.9011% | 1,188 |
| Assets per employee ($millions) | 5.5816% | 1,628 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.2591% | 304 |
| Loan loss allowance to noncurrent loans | 44.1983% | 5,398 |
| Noncurrent assets plus other real estate owned to assets | 7.0326% | 608 |
| Noncurrent loans to loans | 9.6365% | 329 |
| Net loans and leases to total assets | 61.0542% | 3,439 |
| Net loans and leases to deposits | 71.8895% | 3,447 |
| Net loans and leases to core deposits | 83.3964% | 2,622 |
| Total domestic deposits to total assets | 84.9279% | 4,080 |
| Equity capital to assets | 11.2524% | 2,674 |
| Core capital (leverage) ratio | 10.2526% | 3,048 |
| Tier 1 risk-based capital ratio | 14.8816% | 3,833 |
| Total risk-based capital ratio | 16.1641% | 3,783 |
| Memoranda: |
| Average total assets | $85,396,500 | 5,327 |
| Average earning assets | $81,126,000 | 5,217 |
| Average equity | $9,090,000 | 5,263 |
| Average total loans | $53,395,000 | 5,092 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7163% | 756 |
| Cost of funding earning assets | 1.3023% | 1,476 |
| Net interest margin | 4.4140% | 1,363 |
| Noninterest income to average assets | 0.0259% | 6,921 |
| Noninterest expense to average assets | 4.1779% | 834 |
| Loan and lease loss provision to assets | 0.2403% | 3,806 |
| Net operating income to assets | -0.2360% | 6,289 |
| Return on assets (ROA) | 0.1196% | 5,942 |
| Pretax return on assets | 0.1196% | 5,936 |
| Return on Equity (ROE) | 1.2372% | 5,906 |
| Retained earnings to average equity (ytd only) | 1.2372% | 5,274 |
| Net charge-offs to loans | 2.8564% | 362 |
| Credit loss provision to net charge-offs | 14.4993% | 5,973 |
| Earnings coverage of net charge-offs (x) | 0.0026% | 5,820 |
| Efficiency ratio | 99.8969% | 674 |
| Assets per employee ($millions) | 5.8046% | 1,371 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.2417% | 317 |
| Loan loss allowance to noncurrent loans | 43.5745% | 5,397 |
| Noncurrent assets plus other real estate owned to assets | 6.9267% | 662 |
| Noncurrent loans to loans | 9.7343% | 339 |
| Net loans and leases to total assets | 58.7281% | 4,243 |
| Net loans and leases to deposits | 70.3724% | 4,035 |
| Net loans and leases to core deposits | 80.1348% | 3,438 |
| Total domestic deposits to total assets | 83.4534% | 4,561 |
| Equity capital to assets | 10.0598% | 4,088 |
| Core capital (leverage) ratio | 9.9135% | 3,436 |
| Tier 1 risk-based capital ratio | 14.4433% | 4,012 |
| Total risk-based capital ratio | 15.6812% | 3,995 |
| Memoranda: |
| Average total assets | $92,798,400 | 5,104 |
| Average earning assets | $87,381,000 | 5,012 |
| Average equity | $8,971,600 | 5,284 |
| Average total loans | $53,843,400 | 5,120 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7678% | 746 |
| Cost of funding earning assets | 1.3633% | 1,406 |
| Net interest margin | 4.4045% | 1,394 |
| Noninterest income to average assets | 0.0439% | 6,976 |
| Noninterest expense to average assets | 4.3509% | 670 |
| Loan and lease loss provision to assets | -0.0467% | 7,331 |
| Net operating income to assets | -0.1189% | 6,303 |
| Return on assets (ROA) | 0.3481% | 5,393 |
| Pretax return on assets | 0.3481% | 5,604 |
| Return on Equity (ROE) | 3.6343% | 5,160 |
| Retained earnings to average equity (ytd only) | 3.6343% | 4,165 |
| Net charge-offs to loans | 3.0321% | 313 |
| Credit loss provision to net charge-offs | -2.6895% | 6,393 |
| Earnings coverage of net charge-offs (x) | -0.0954% | 5,657 |
| Efficiency ratio | 103.9554% | 551 |
| Assets per employee ($millions) | 5.8193% | 1,334 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.2906% | 313 |
| Loan loss allowance to noncurrent loans | 60.6536% | 4,429 |
| Noncurrent assets plus other real estate owned to assets | 5.7144% | 962 |
| Noncurrent loans to loans | 7.0739% | 699 |
| Net loans and leases to total assets | 59.2881% | 4,273 |
| Net loans and leases to deposits | 68.8475% | 4,467 |
| Net loans and leases to core deposits | 76.8918% | 4,071 |
| Total domestic deposits to total assets | 86.1151% | 3,160 |
| Equity capital to assets | 10.2922% | 3,968 |
| Core capital (leverage) ratio | 9.2761% | 4,491 |
| Tier 1 risk-based capital ratio | 13.9726% | 4,374 |
| Total risk-based capital ratio | 15.1939% | 4,359 |
| Memoranda: |
| Average total assets | $94,230,750 | 5,094 |
| Average earning assets | $88,604,750 | 5,004 |
| Average equity | $9,024,750 | 5,301 |
| Average total loans | $53,954,500 | 5,162 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7826% | 738 |
| Cost of funding earning assets | 1.4236% | 1,315 |
| Net interest margin | 4.3590% | 1,486 |
| Noninterest income to average assets | 0.0456% | 7,064 |
| Noninterest expense to average assets | 4.1680% | 857 |
| Loan and lease loss provision to assets | -0.0684% | 7,411 |
| Net operating income to assets | 0.0373% | 6,152 |
| Return on assets (ROA) | 0.0663% | 6,167 |
| Pretax return on assets | 0.0663% | 6,159 |
| Return on Equity (ROE) | 0.7081% | 6,144 |
| Retained earnings to average equity (ytd only) | 0.7081% | 5,572 |
| Net charge-offs to loans | 4.0434% | 202 |
| Credit loss provision to net charge-offs | -3.0275% | 6,164 |
| Earnings coverage of net charge-offs (x) | -0.0138% | 5,295 |
| Efficiency ratio | 100.7511% | 699 |
| Assets per employee ($millions) | 6.2732% | 1,034 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.7092% | 234 |
| Loan loss allowance to noncurrent loans | 58.9067% | 4,505 |
| Noncurrent assets plus other real estate owned to assets | 7.2201% | 689 |
| Noncurrent loans to loans | 7.9943% | 565 |
| Net loans and leases to total assets | 52.8364% | 5,458 |
| Net loans and leases to deposits | 63.3254% | 5,356 |
| Net loans and leases to core deposits | 70.0925% | 5,064 |
| Total domestic deposits to total assets | 83.4364% | 4,565 |
| Equity capital to assets | 9.9481% | 4,225 |
| Core capital (leverage) ratio | 8.8402% | 4,981 |
| Tier 1 risk-based capital ratio | 13.0653% | 4,866 |
| Total risk-based capital ratio | 14.3473% | 4,817 |
| Memoranda: |
| Average total assets | $96,544,670 | 5,060 |
| Average earning assets | $90,617,000 | 4,976 |
| Average equity | $9,038,330 | 5,314 |
| Average total loans | $53,915,330 | 5,216 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7022% | 879 |
| Cost of funding earning assets | 1.4951% | 1,185 |
| Net interest margin | 4.2071% | 1,871 |
| Noninterest income to average assets | 0.0450% | 7,159 |
| Noninterest expense to average assets | 4.3368% | 699 |
| Loan and lease loss provision to assets | -0.0041% | 7,439 |
| Net operating income to assets | -0.3273% | 6,684 |
| Return on assets (ROA) | -0.2700% | 6,644 |
| Pretax return on assets | -0.2700% | 6,597 |
| Return on Equity (ROE) | -2.9740% | 6,667 |
| Retained earnings to average equity (ytd only) | -2.9740% | 6,292 |
| Net charge-offs to loans | 3.9719% | 227 |
| Credit loss provision to net charge-offs | -0.1838% | 5,565 |
| Earnings coverage of net charge-offs (x) | -0.1489% | 4,667 |
| Efficiency ratio | 108.2737% | 534 |
| Assets per employee ($millions) | 4.5801% | 2,770 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 5.6777% | 126 |
| Loan loss allowance to noncurrent loans | 61.8126% | 4,327 |
| Noncurrent assets plus other real estate owned to assets | 7.8653% | 612 |
| Noncurrent loans to loans | 9.1853% | 475 |
| Net loans and leases to total assets | 52.4215% | 5,525 |
| Net loans and leases to deposits | 57.9474% | 5,928 |
| Net loans and leases to core deposits | 64.5938% | 5,668 |
| Total domestic deposits to total assets | 90.4639% | 858 |
| Equity capital to assets | 9.3115% | 4,707 |
| Core capital (leverage) ratio | 8.5701% | 5,314 |
| Tier 1 risk-based capital ratio | 12.5444% | 5,229 |
| Total risk-based capital ratio | 13.8265% | 5,169 |
| Memoranda: |
| Average total assets | $97,768,000 | 5,065 |
| Average earning assets | $92,035,000 | 4,971 |
| Average equity | $8,877,000 | 5,366 |
| Average total loans | $54,785,500 | 5,221 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.1955% | 567 |
| Cost of funding earning assets | 1.8502% | 1,000 |
| Net interest margin | 4.3453% | 1,662 |
| Noninterest income to average assets | 0.0558% | 7,079 |
| Noninterest expense to average assets | 4.3802% | 741 |
| Loan and lease loss provision to assets | 5.0099% | 76 |
| Net operating income to assets | -5.1853% | 7,546 |
| Return on assets (ROA) | -4.7927% | 7,526 |
| Pretax return on assets | -4.7927% | 7,525 |
| Return on Equity (ROE) | -38.1268% | 7,326 |
| Retained earnings to average equity (ytd only) | -38.1268% | 7,318 |
| Net charge-offs to loans | 5.5278% | 126 |
| Credit loss provision to net charge-offs | 158.4121% | 2,217 |
| Earnings coverage of net charge-offs (x) | -0.0555% | 6,179 |
| Efficiency ratio | 104.1706% | 668 |
| Assets per employee ($millions) | 4.5161% | 2,838 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) |
| Loss allowance to loans | 6.3796% | 89 |
| Loan loss allowance to noncurrent loans | 45.9918% | 5,250 |
| Noncurrent assets plus other real estate owned to assets | 8.6499% | 536 |
| Noncurrent loans to loans | 13.8713% | 200 |
| Net loans and leases to total assets | 52.8776% | 5,802 |
| Net loans and leases to deposits | 61.0720% | 5,946 |
| Net loans and leases to core deposits | 68.8572% | 5,570 |
| Total domestic deposits to total assets | 86.5823% | 3,042 |
| Equity capital to assets | 8.8552% | 5,345 |
| Core capital (leverage) ratio | 8.1563% | 5,903 |
| Tier 1 risk-based capital ratio | 12.0132% | 5,461 |
| Total risk-based capital ratio | 13.3100% | 5,401 |
| Memoranda: |
| Average total assets | $100,360,400 | 4,978 |
| Average earning assets | $95,827,000 | 4,834 |
| Average equity | $12,615,800 | 4,456 |
| Average total loans | $57,418,400 | 5,183 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.3114% | 494 |
| Cost of funding earning assets | 1.9393% | 901 |
| Net interest margin | 4.3721% | 1,607 |
| Noninterest income to average assets | 0.0570% | 7,241 |
| Noninterest expense to average assets | 4.0697% | 964 |
| Loan and lease loss provision to assets | 1.8354% | 679 |
| Net operating income to assets | -1.6684% | 7,149 |
| Return on assets (ROA) | -1.1609% | 7,003 |
| Pretax return on assets | -1.1609% | 6,926 |
| Return on Equity (ROE) | -8.6068% | 6,864 |
| Retained earnings to average equity (ytd only) | -8.6068% | 6,807 |
| Net charge-offs to loans | 3.3734% | 420 |
| Credit loss provision to net charge-offs | 94.7981% | 4,569 |
| Earnings coverage of net charge-offs (x) | 0.0862% | 5,945 |
| Efficiency ratio | 96.0588% | 898 |
| Assets per employee ($millions) | 4.5650% | 2,805 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.8643% | 943 |
| Loan loss allowance to noncurrent loans | 131.0564% | 2,170 |
| Noncurrent assets plus other real estate owned to assets | 2.4087% | 2,969 |
| Noncurrent loans to loans | 2.1856% | 3,465 |
| Net loans and leases to total assets | 55.7160% | 5,589 |
| Net loans and leases to deposits | 71.4185% | 4,925 |
| Net loans and leases to core deposits | 79.3036% | 4,617 |
| Total domestic deposits to total assets | 78.0133% | 6,255 |
| Equity capital to assets | 13.4921% | 1,352 |
| Core capital (leverage) ratio | 12.6696% | 1,353 |
| Tier 1 risk-based capital ratio | 18.1545% | 1,984 |
| Total risk-based capital ratio | 19.4192% | 1,935 |
| Memoranda: |
| Average total assets | $100,612,000 | 5,028 |
| Average earning assets | $96,182,750 | 4,885 |
| Average equity | $13,570,250 | 4,312 |
| Average total loans | $57,744,000 | 5,244 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.3474% | 468 |
| Cost of funding earning assets | 2.0542% | 763 |
| Net interest margin | 4.2932% | 1,804 |
| Noninterest income to average assets | 0.0437% | 7,360 |
| Noninterest expense to average assets | 3.9355% | 1,132 |
| Loan and lease loss provision to assets | 2.8488% | 361 |
| Net operating income to assets | -2.6343% | 7,445 |
| Return on assets (ROA) | -2.3283% | 7,394 |
| Pretax return on assets | -2.3283% | 7,327 |
| Return on Equity (ROE) | -17.2645% | 7,210 |
| Retained earnings to average equity (ytd only) | -17.2645% | 7,178 |
| Net charge-offs to loans | 5.6584% | 156 |
| Credit loss provision to net charge-offs | 87.7064% | 4,491 |
| Earnings coverage of net charge-offs (x) | 0.0661% | 5,656 |
| Efficiency ratio | 94.8301% | 1,016 |
| Assets per employee ($millions) | 4.2652% | 3,275 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.6051% | 1,185 |
| Loan loss allowance to noncurrent loans | 100.0656% | 2,758 |
| Noncurrent assets plus other real estate owned to assets | 2.1652% | 3,301 |
| Noncurrent loans to loans | 2.6033% | 3,033 |
| Net loans and leases to total assets | 58.1199% | 5,400 |
| Net loans and leases to deposits | 67.3530% | 5,633 |
| Net loans and leases to core deposits | 78.8349% | 4,829 |
| Total domestic deposits to total assets | 86.2914% | 2,930 |
| Equity capital to assets | 13.3957% | 1,390 |
| Core capital (leverage) ratio | 12.0040% | 1,640 |
| Tier 1 risk-based capital ratio | 18.1471% | 1,922 |
| Total risk-based capital ratio | 19.4104% | 1,887 |
| Memoranda: |
| Average total assets | $100,673,000 | 5,058 |
| Average earning assets | $96,292,000 | 4,921 |
| Average equity | $13,577,000 | 4,297 |
| Average total loans | $57,790,330 | 5,275 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.2166% | 621 |
| Cost of funding earning assets | 2.0681% | 895 |
| Net interest margin | 4.1485% | 2,242 |
| Noninterest income to average assets | 0.0392% | 7,517 |
| Noninterest expense to average assets | 3.9506% | 1,100 |
| Loan and lease loss provision to assets | 0.1883% | 4,616 |
| Net operating income to assets | -0.1334% | 6,462 |
| Return on assets (ROA) | 0.1883% | 5,851 |
| Pretax return on assets | 0.1883% | 5,908 |
| Return on Equity (ROE) | 1.3918% | 5,999 |
| Retained earnings to average equity (ytd only) | 1.3918% | 5,246 |
| Net charge-offs to loans | -0.1393% | 7,590 |
| Credit loss provision to net charge-offs | -240.0000% | 6,150 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.6288% | 894 |
| Assets per employee ($millions) | 4.3915% | 3,144 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.0755% | 768 |
| Loan loss allowance to noncurrent loans | 54.2322% | 4,702 |
| Noncurrent assets plus other real estate owned to assets | 3.8691% | 1,783 |
| Noncurrent loans to loans | 5.6710% | 1,203 |
| Net loans and leases to total assets | 55.9754% | 5,747 |
| Net loans and leases to deposits | 65.3618% | 5,894 |
| Net loans and leases to core deposits | 74.6396% | 5,426 |
| Total domestic deposits to total assets | 85.6393% | 3,349 |
| Equity capital to assets | 14.0052% | 1,140 |
| Core capital (leverage) ratio | 12.8721% | 1,262 |
| Tier 1 risk-based capital ratio | 20.2469% | 1,476 |
| Total risk-based capital ratio | 21.5214% | 1,439 |
| Memoranda: |
| Average total assets | $101,960,000 | 5,091 |
| Average earning assets | $97,480,500 | 4,942 |
| Average equity | $13,795,000 | 4,288 |
| Average total loans | $57,415,500 | 5,364 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.6378% | 524 |
| Cost of funding earning assets | 2.3452% | 1,475 |
| Net interest margin | 4.2926% | 1,737 |
| Noninterest income to average assets | 0.0657% | 7,419 |
| Noninterest expense to average assets | 5.4189% | 407 |
| Loan and lease loss provision to assets | 1.8413% | 1,221 |
| Net operating income to assets | -3.1415% | 7,430 |
| Return on assets (ROA) | -2.6083% | 7,300 |
| Pretax return on assets | -2.6083% | 7,176 |
| Return on Equity (ROE) | -13.9421% | 6,873 |
| Retained earnings to average equity (ytd only) | -13.9421% | 6,814 |
| Net charge-offs to loans | 0.3471% | 4,495 |
| Credit loss provision to net charge-offs | 887.3418% | 331 |
| Earnings coverage of net charge-offs (x) | -6.2658% | 7,127 |
| Efficiency ratio | 131.5689% | 460 |
| Assets per employee ($millions) | 4.1166% | 3,580 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.0549% | 738 |
| Loan loss allowance to noncurrent loans | 64.6684% | 4,156 |
| Noncurrent assets plus other real estate owned to assets | 3.1764% | 2,176 |
| Noncurrent loans to loans | 4.7240% | 1,475 |
| Net loans and leases to total assets | 53.2216% | 6,282 |
| Net loans and leases to deposits | 62.1820% | 6,449 |
| Net loans and leases to core deposits | 79.8103% | 6,121 |
| Total domestic deposits to total assets | 85.5901% | 3,234 |
| Equity capital to assets | 13.0632% | 1,487 |
| Core capital (leverage) ratio | 13.3541% | 1,138 |
| Tier 1 risk-based capital ratio | 19.4598% | 1,566 |
| Total risk-based capital ratio | 20.7267% | 1,524 |
| Memoranda: |
| Average total assets | $76,141,400 | 5,836 |
| Average earning assets | $71,891,000 | 5,755 |
| Average equity | $14,244,600 | 4,202 |
| Average total loans | $45,514,600 | 5,853 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.6210% | 594 |
| Cost of funding earning assets | 2.3007% | 1,984 |
| Net interest margin | 4.3203% | 1,678 |
| Noninterest income to average assets | 0.0787% | 7,511 |
| Noninterest expense to average assets | 5.8824% | 316 |
| Loan and lease loss provision to assets | 1.3977% | 1,375 |
| Net operating income to assets | -3.1313% | 7,620 |
| Return on assets (ROA) | -2.8683% | 7,559 |
| Pretax return on assets | -2.8683% | 7,465 |
| Return on Equity (ROE) | -13.7901% | 7,122 |
| Retained earnings to average equity (ytd only) | -13.7901% | 7,061 |
| Net charge-offs to loans | 0.6640% | 2,701 |
| Credit loss provision to net charge-offs | 341.7840% | 1,195 |
| Earnings coverage of net charge-offs (x) | -4.2395% | 6,836 |
| Efficiency ratio | 141.7862% | 363 |
| Assets per employee ($millions) | 3.8815% | 3,989 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7965% | 2,287 |
| Loan loss allowance to noncurrent loans | 63.5842% | 4,157 |
| Noncurrent assets plus other real estate owned to assets | 2.4078% | 2,858 |
| Noncurrent loans to loans | 2.8253% | 2,682 |
| Net loans and leases to total assets | 58.5051% | 5,811 |
| Net loans and leases to deposits | 69.5077% | 5,976 |
| Net loans and leases to core deposits | 105.3974% | 3,771 |
| Total domestic deposits to total assets | 84.1706% | 3,646 |
| Equity capital to assets | 15.4408% | 901 |
| Core capital (leverage) ratio | 15.4085% | 785 |
| Tier 1 risk-based capital ratio | 20.6293% | 1,436 |
| Total risk-based capital ratio | 21.8536% | 1,391 |
| Memoranda: |
| Average total assets | $69,448,000 | 6,060 |
| Average earning assets | $65,426,750 | 5,980 |
| Average equity | $14,444,750 | 4,200 |
| Average total loans | $42,768,500 | 6,031 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.0852% | 1,836 |
| Cost of funding earning assets | 2.1469% | 3,060 |
| Net interest margin | 3.9383% | 2,931 |
| Noninterest income to average assets | 0.1267% | 7,342 |
| Noninterest expense to average assets | 6.3433% | 290 |
| Loan and lease loss provision to assets | 1.4688% | 1,179 |
| Net operating income to assets | -4.0133% | 7,831 |
| Return on assets (ROA) | -3.5681% | 7,773 |
| Pretax return on assets | -3.5681% | 7,688 |
| Return on Equity (ROE) | -15.1815% | 7,338 |
| Retained earnings to average equity (ytd only) | -15.1815% | 7,247 |
| Net charge-offs to loans | 0.3634% | 3,367 |
| Credit loss provision to net charge-offs | 645.7143% | 719 |
| Earnings coverage of net charge-offs (x) | -11.1857% | 6,535 |
| Efficiency ratio | 166.9803% | 298 |
| Assets per employee ($millions) | 3.3014% | 5,315 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7947% | 2,058 |
| Loan loss allowance to noncurrent loans | 150.2609% | 1,962 |
| Noncurrent assets plus other real estate owned to assets | 1.4830% | 4,013 |
| Noncurrent loans to loans | 1.1944% | 4,828 |
| Net loans and leases to total assets | 59.6683% | 5,737 |
| Net loans and leases to deposits | 72.9291% | 5,613 |
| Net loans and leases to core deposits | 112.5482% | 3,071 |
| Total domestic deposits to total assets | 81.8169% | 4,766 |
| Equity capital to assets | 17.7641% | 575 |
| Core capital (leverage) ratio | 20.8925% | 319 |
| Tier 1 risk-based capital ratio | 23.7537% | 1,066 |
| Total risk-based capital ratio | 24.9602% | 1,047 |
| Memoranda: |
| Average total assets | $61,545,330 | 6,393 |
| Average earning assets | $57,385,330 | 6,340 |
| Average equity | $14,465,000 | 4,205 |
| Average total loans | $38,525,330 | 6,272 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2260% | 6,204 |
| Cost of funding earning assets | 2.0657% | 3,809 |
| Net interest margin | 3.1603% | 5,983 |
| Noninterest income to average assets | 0.0911% | 7,597 |
| Noninterest expense to average assets | 7.2256% | 193 |
| Loan and lease loss provision to assets | 1.8443% | 665 |
| Net operating income to assets | -6.0643% | 8,093 |
| Return on assets (ROA) | -5.0245% | 8,034 |
| Pretax return on assets | -5.0245% | 7,989 |
| Return on Equity (ROE) | -18.0628% | 7,711 |
| Retained earnings to average equity (ytd only) | -18.0628% | 7,586 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 240.4040% | 135 |
| Assets per employee ($millions) | 2.6255% | 7,039 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8943% | 1,627 |
| Loan loss allowance to noncurrent loans | 123.9316% | 2,530 |
| Noncurrent assets plus other real estate owned to assets | 1.9624% | 2,962 |
| Noncurrent loans to loans | 1.5285% | 3,990 |
| Net loans and leases to total assets | 62.1800% | 5,289 |
| Net loans and leases to deposits | 81.7149% | 4,330 |
| Net loans and leases to core deposits | 124.6945% | 2,019 |
| Total domestic deposits to total assets | 76.0938% | 6,489 |
| Equity capital to assets | 23.5237% | 262 |
| Core capital (leverage) ratio | 30.0360% | 154 |
| Tier 1 risk-based capital ratio | 28.2706% | 735 |
| Total risk-based capital ratio | 29.5350% | 717 |
| Memoranda: |
| Average total assets | $52,701,500 | 6,749 |
| Average earning assets | $48,603,500 | 6,724 |
| Average equity | $14,660,000 | 4,197 |
| Average total loans | $33,717,500 | 6,553 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8897% | 7,904 |
| Cost of funding earning assets | 0.9494% | 8,077 |
| Net interest margin | 3.9402% | 3,402 |
| Noninterest income to average assets | 0.0865% | 7,703 |
| Noninterest expense to average assets | 12.8052% | 96 |
| Loan and lease loss provision to assets | 3.9428% | 170 |
| Net operating income to assets | -13.0326% | 8,277 |
| Return on assets (ROA) | -13.0326% | 8,277 |
| Pretax return on assets | -13.0326% | 8,272 |
| Return on Equity (ROE) | -23.6004% | 7,839 |
| Retained earnings to average equity (ytd only) | -23.6004% | 7,778 |
| Net charge-offs to loans | 4.6097% | 120 |
| Credit loss provision to net charge-offs | 135.7222% | 3,929 |
| Earnings coverage of net charge-offs (x) | -3.1290% | 6,770 |
| Efficiency ratio | 344.6552% | 82 |
| Assets per employee ($millions) | 1.8007% | 8,039 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6528% | 2,052 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.3328% | 3,551 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 63.7093% | 5,340 |
| Net loans and leases to deposits | 96.6894% | 2,339 |
| Net loans and leases to core deposits | 154.4177% | 704 |
| Total domestic deposits to total assets | 65.8907% | 7,668 |
| Equity capital to assets | 33.5762% | 137 |
| Core capital (leverage) ratio | 43.1701% | 97 |
| Tier 1 risk-based capital ratio | 44.8115% | 266 |
| Total risk-based capital ratio | 46.0433% | 262 |
| Memoranda: |
| Average total assets | $31,221,600 | 7,592 |
| Average earning assets | $28,754,600 | 7,574 |
| Average equity | $17,241,200 | 3,694 |
| Average total loans | $19,675,800 | 7,348 |
