| 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 | 3.9760% | 5,579 |
| Cost of funding earning assets | 0.7496% | 3,356 |
| Net interest margin | 3.2264% | 5,628 |
| Noninterest income to average assets | -0.0342% | 6,989 |
| Noninterest expense to average assets | 3.5317% | 1,689 |
| Loan and lease loss provision to assets | 0.5316% | 1,117 |
| Net operating income to assets | -1.0470% | 6,873 |
| Return on assets (ROA) | -0.7249% | 6,811 |
| Pretax return on assets | -0.7249% | 6,786 |
| Return on Equity (ROE) | -13.7592% | 6,915 |
| Retained earnings to average equity (ytd only) | -13.7592% | 6,886 |
| Net charge-offs to loans | 2.1236% | 322 |
| Credit loss provision to net charge-offs | 51.5625% | 4,360 |
| Earnings coverage of net charge-offs (x) | -0.5000% | 5,495 |
| Efficiency ratio | 117.0895% | 215 |
| Assets per employee ($millions) | 6.0525% | 1,221 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.4032% | 508 |
| Loan loss allowance to noncurrent loans | 176.1821% | 1,968 |
| Noncurrent assets plus other real estate owned to assets | 3.5803% | 1,396 |
| Noncurrent loans to loans | 1.9317% | 2,923 |
| Net loans and leases to total assets | 47.1772% | 5,643 |
| Net loans and leases to deposits | 50.1925% | 6,093 |
| Net loans and leases to core deposits | 51.1519% | 6,229 |
| Total domestic deposits to total assets | 93.9926% | 70 |
| Equity capital to assets | 5.7480% | 7,001 |
| Core capital (leverage) ratio | 5.1212% | 7,013 |
| Tier 1 risk-based capital ratio | 9.2636% | 6,920 |
| Total risk-based capital ratio | 10.5342% | 6,918 |
| Memoranda: |
| Average total assets | $66,218,250 | 5,806 |
| Average earning assets | $62,606,750 | 5,714 |
| Average equity | $3,488,500 | 6,772 |
| Average total loans | $32,145,750 | 5,919 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9818% | 5,704 |
| Cost of funding earning assets | 0.7783% | 3,381 |
| Net interest margin | 3.2035% | 5,733 |
| Noninterest income to average assets | -0.0029% | 7,009 |
| Noninterest expense to average assets | 3.4559% | 1,892 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | -0.4375% | 6,705 |
| Return on assets (ROA) | 0.0323% | 6,420 |
| Pretax return on assets | 0.0323% | 6,408 |
| Return on Equity (ROE) | 0.6301% | 6,364 |
| Retained earnings to average equity (ytd only) | 0.6301% | 5,809 |
| Net charge-offs to loans | -0.0121% | 6,318 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 114.4942% | 273 |
| Assets per employee ($millions) | 5.4308% | 1,675 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.8999% | 371 |
| Loan loss allowance to noncurrent loans | 434.6021% | 836 |
| Noncurrent assets plus other real estate owned to assets | 4.1507% | 1,206 |
| Noncurrent loans to loans | 0.8973% | 4,702 |
| Net loans and leases to total assets | 47.4919% | 5,661 |
| Net loans and leases to deposits | 50.3318% | 6,159 |
| Net loans and leases to core deposits | 51.2256% | 6,285 |
| Total domestic deposits to total assets | 94.3577% | 71 |
| Equity capital to assets | 5.4428% | 7,069 |
| Core capital (leverage) ratio | 5.5084% | 7,028 |
| Tier 1 risk-based capital ratio | 9.4346% | 6,936 |
| Total risk-based capital ratio | 10.7104% | 6,926 |
| Memoranda: |
| Average total assets | $68,116,000 | 5,778 |
| Average earning assets | $64,241,670 | 5,698 |
| Average equity | $3,491,670 | 6,808 |
| Average total loans | $33,007,670 | 5,911 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0034% | 5,747 |
| Cost of funding earning assets | 0.8104% | 3,389 |
| Net interest margin | 3.1929% | 5,798 |
| Noninterest income to average assets | -0.0862% | 7,161 |
| Noninterest expense to average assets | 3.4028% | 2,001 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -0.4771% | 6,814 |
| Return on assets (ROA) | -0.2127% | 6,696 |
| Pretax return on assets | -0.2127% | 6,672 |
| Return on Equity (ROE) | -4.2725% | 6,827 |
| Retained earnings to average equity (ytd only) | -4.2725% | 6,530 |
| Net charge-offs to loans | -0.0120% | 6,003 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 116.3065% | 259 |
| Assets per employee ($millions) | 5.1812% | 2,014 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.8400% | 422 |
| Loan loss allowance to noncurrent loans | 422.5589% | 802 |
| Noncurrent assets plus other real estate owned to assets | 4.2996% | 1,265 |
| Noncurrent loans to loans | 0.9088% | 4,850 |
| Net loans and leases to total assets | 46.6587% | 5,711 |
| Net loans and leases to deposits | 49.2841% | 6,197 |
| Net loans and leases to core deposits | 50.5591% | 6,302 |
| Total domestic deposits to total assets | 94.6730% | 70 |
| Equity capital to assets | 5.0776% | 7,135 |
| Core capital (leverage) ratio | 4.8564% | 7,128 |
| Tier 1 risk-based capital ratio | 9.2982% | 6,996 |
| Total risk-based capital ratio | 10.5749% | 6,991 |
| Memoranda: |
| Average total assets | $69,589,500 | 5,787 |
| Average earning assets | $65,645,000 | 5,697 |
| Average equity | $3,464,000 | 6,857 |
| Average total loans | $33,408,500 | 5,940 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4289% | 5,316 |
| Cost of funding earning assets | 1.0375% | 3,109 |
| Net interest margin | 3.3914% | 5,509 |
| Noninterest income to average assets | 0.2003% | 6,067 |
| Noninterest expense to average assets | 3.8144% | 1,318 |
| Loan and lease loss provision to assets | 0.0672% | 5,765 |
| Net operating income to assets | -0.4088% | 6,422 |
| Return on assets (ROA) | -0.3124% | 6,405 |
| Pretax return on assets | -0.3922% | 6,416 |
| Return on Equity (ROE) | -6.1433% | 6,588 |
| Retained earnings to average equity (ytd only) | -6.1433% | 6,516 |
| Net charge-offs to loans | 0.8974% | 1,935 |
| Credit loss provision to net charge-offs | 13.6364% | 5,985 |
| Earnings coverage of net charge-offs (x) | -0.9034% | 6,176 |
| Efficiency ratio | 113.2225% | 377 |
| Assets per employee ($millions) | 5.1303% | 2,021 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.6736% | 475 |
| Loan loss allowance to noncurrent loans | 435.4167% | 778 |
| Noncurrent assets plus other real estate owned to assets | 4.5987% | 1,189 |
| Noncurrent loans to loans | 0.8437% | 5,000 |
| Net loans and leases to total assets | 45.7800% | 6,032 |
| Net loans and leases to deposits | 48.2664% | 6,481 |
| Net loans and leases to core deposits | 49.4317% | 6,559 |
| Total domestic deposits to total assets | 94.8485% | 65 |
| Equity capital to assets | 4.8842% | 7,176 |
| Core capital (leverage) ratio | 5.1194% | 7,132 |
| Tier 1 risk-based capital ratio | 8.7117% | 7,062 |
| Total risk-based capital ratio | 9.9834% | 7,060 |
| Memoranda: |
| Average total assets | $71,386,800 | 5,710 |
| Average earning assets | $66,697,600 | 5,647 |
| Average equity | $3,630,000 | 6,846 |
| Average total loans | $39,223,200 | 5,729 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5558% | 5,064 |
| Cost of funding earning assets | 1.0768% | 3,133 |
| Net interest margin | 3.4790% | 5,279 |
| Noninterest income to average assets | 0.2806% | 5,604 |
| Noninterest expense to average assets | 3.7860% | 1,324 |
| Loan and lease loss provision to assets | 0.0898% | 5,336 |
| Net operating income to assets | -0.1853% | 6,368 |
| Return on assets (ROA) | -0.0823% | 6,351 |
| Pretax return on assets | -0.1889% | 6,401 |
| Return on Equity (ROE) | -1.6028% | 6,440 |
| Retained earnings to average equity (ytd only) | -1.6028% | 6,246 |
| Net charge-offs to loans | 0.7375% | 2,086 |
| Credit loss provision to net charge-offs | 21.4286% | 5,540 |
| Earnings coverage of net charge-offs (x) | -0.6205% | 5,867 |
| Efficiency ratio | 107.3740% | 479 |
| Assets per employee ($millions) | 4.9667% | 2,236 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.9188% | 418 |
| Loan loss allowance to noncurrent loans | 252.6508% | 1,231 |
| Noncurrent assets plus other real estate owned to assets | 5.3470% | 1,056 |
| Noncurrent loans to loans | 1.5511% | 3,957 |
| Net loans and leases to total assets | 48.7301% | 5,868 |
| Net loans and leases to deposits | 51.6225% | 6,398 |
| Net loans and leases to core deposits | 52.7090% | 6,529 |
| Total domestic deposits to total assets | 94.3970% | 69 |
| Equity capital to assets | 5.3686% | 7,235 |
| Core capital (leverage) ratio | 5.4003% | 7,196 |
| Tier 1 risk-based capital ratio | 8.8950% | 7,124 |
| Total risk-based capital ratio | 10.1695% | 7,122 |
| Memoranda: |
| Average total assets | $71,277,500 | 5,751 |
| Average earning assets | $66,492,500 | 5,694 |
| Average equity | $3,660,500 | 6,895 |
| Average total loans | $40,495,250 | 5,720 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5680% | 5,106 |
| Cost of funding earning assets | 1.0831% | 3,368 |
| Net interest margin | 3.4849% | 5,225 |
| Noninterest income to average assets | 0.3757% | 4,875 |
| Noninterest expense to average assets | 3.8576% | 1,270 |
| Loan and lease loss provision to assets | 0.1058% | 4,985 |
| Net operating income to assets | -0.1561% | 6,425 |
| Return on assets (ROA) | -0.1169% | 6,420 |
| Pretax return on assets | -0.2755% | 6,517 |
| Return on Equity (ROE) | -2.3100% | 6,546 |
| Retained earnings to average equity (ytd only) | -2.3100% | 6,296 |
| Net charge-offs to loans | 0.9707% | 1,617 |
| Credit loss provision to net charge-offs | 18.5366% | 5,149 |
| Earnings coverage of net charge-offs (x) | -0.4049% | 5,497 |
| Efficiency ratio | 106.3699% | 551 |
| Assets per employee ($millions) | 4.9727% | 2,167 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.3981% | 648 |
| Loan loss allowance to noncurrent loans | 103.4201% | 2,782 |
| Noncurrent assets plus other real estate owned to assets | 5.9396% | 948 |
| Noncurrent loans to loans | 3.2857% | 2,173 |
| Net loans and leases to total assets | 56.8014% | 4,850 |
| Net loans and leases to deposits | 60.2107% | 5,709 |
| Net loans and leases to core deposits | 61.2411% | 5,969 |
| Total domestic deposits to total assets | 94.3377% | 67 |
| Equity capital to assets | 5.4411% | 7,296 |
| Core capital (leverage) ratio | 5.3630% | 7,269 |
| Tier 1 risk-based capital ratio | 8.3031% | 7,230 |
| Total risk-based capital ratio | 9.5762% | 7,229 |
| Memoranda: |
| Average total assets | $71,858,670 | 5,785 |
| Average earning assets | $67,031,670 | 5,727 |
| Average equity | $3,636,330 | 6,946 |
| Average total loans | $42,238,330 | 5,697 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4616% | 5,479 |
| Cost of funding earning assets | 1.1272% | 3,313 |
| Net interest margin | 3.3344% | 5,659 |
| Noninterest income to average assets | 0.7125% | 2,499 |
| Noninterest expense to average assets | 3.8751% | 1,212 |
| Loan and lease loss provision to assets | 0.0822% | 4,971 |
| Net operating income to assets | -0.1480% | 6,503 |
| Return on assets (ROA) | -0.1480% | 6,522 |
| Pretax return on assets | -0.1480% | 6,491 |
| Return on Equity (ROE) | -3.0333% | 6,675 |
| Retained earnings to average equity (ytd only) | -3.0333% | 6,302 |
| Net charge-offs to loans | 0.8860% | 1,496 |
| Credit loss provision to net charge-offs | 15.7895% | 4,317 |
| Earnings coverage of net charge-offs (x) | -0.1263% | 4,658 |
| Efficiency ratio | 101.7266% | 683 |
| Assets per employee ($millions) | 4.6865% | 2,595 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.5212% | 593 |
| Loan loss allowance to noncurrent loans | 106.7148% | 2,713 |
| Noncurrent assets plus other real estate owned to assets | 6.8195% | 799 |
| Noncurrent loans to loans | 3.2997% | 2,278 |
| Net loans and leases to total assets | 57.6062% | 4,703 |
| Net loans and leases to deposits | 60.9182% | 5,629 |
| Net loans and leases to core deposits | 62.6747% | 5,855 |
| Total domestic deposits to total assets | 94.5631% | 61 |
| Equity capital to assets | 5.1196% | 7,368 |
| Core capital (leverage) ratio | 5.2060% | 7,339 |
| Tier 1 risk-based capital ratio | 7.9566% | 7,295 |
| Total risk-based capital ratio | 9.2310% | 7,298 |
| Memoranda: |
| Average total assets | $72,979,000 | 5,788 |
| Average earning assets | $67,778,500 | 5,739 |
| Average equity | $3,560,500 | 6,998 |
| Average total loans | $42,890,000 | 5,710 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6539% | 5,942 |
| Cost of funding earning assets | 1.4988% | 2,642 |
| Net interest margin | 3.1551% | 6,376 |
| Noninterest income to average assets | 0.0445% | 7,134 |
| Noninterest expense to average assets | 3.6320% | 1,843 |
| Loan and lease loss provision to assets | 0.2867% | 4,507 |
| Net operating income to assets | -0.9763% | 6,666 |
| Return on assets (ROA) | -0.7711% | 6,587 |
| Pretax return on assets | -0.7711% | 6,503 |
| Return on Equity (ROE) | -15.3611% | 6,927 |
| Retained earnings to average equity (ytd only) | -15.3611% | 6,892 |
| Net charge-offs to loans | 2.1338% | 923 |
| Credit loss provision to net charge-offs | 22.8797% | 6,543 |
| Earnings coverage of net charge-offs (x) | -0.5503% | 6,476 |
| Efficiency ratio | 123.4355% | 374 |
| Assets per employee ($millions) | 4.7288% | 2,522 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.5566% | 575 |
| Loan loss allowance to noncurrent loans | 135.4783% | 2,182 |
| Noncurrent assets plus other real estate owned to assets | 6.7209% | 836 |
| Noncurrent loans to loans | 2.6252% | 2,897 |
| Net loans and leases to total assets | 55.8393% | 5,369 |
| Net loans and leases to deposits | 58.8379% | 6,174 |
| Net loans and leases to core deposits | 62.4536% | 6,200 |
| Total domestic deposits to total assets | 94.9035% | 62 |
| Equity capital to assets | 4.6550% | 7,465 |
| Core capital (leverage) ratio | 4.9053% | 7,425 |
| Tier 1 risk-based capital ratio | 7.8561% | 7,357 |
| Total risk-based capital ratio | 9.1303% | 7,360 |
| Memoranda: |
| Average total assets | $80,919,400 | 5,570 |
| Average earning assets | $74,325,000 | 5,530 |
| Average equity | $4,062,200 | 6,978 |
| Average total loans | $47,520,200 | 5,577 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6765% | 6,103 |
| Cost of funding earning assets | 1.5535% | 2,645 |
| Net interest margin | 3.1230% | 6,554 |
| Noninterest income to average assets | 0.1719% | 6,649 |
| Noninterest expense to average assets | 3.6788% | 1,619 |
| Loan and lease loss provision to assets | 0.3421% | 3,870 |
| Net operating income to assets | -0.9842% | 6,895 |
| Return on assets (ROA) | -0.7393% | 6,795 |
| Pretax return on assets | -0.7393% | 6,702 |
| Return on Equity (ROE) | -14.4852% | 7,087 |
| Retained earnings to average equity (ytd only) | -14.4852% | 7,057 |
| Net charge-offs to loans | 2.1933% | 824 |
| Credit loss provision to net charge-offs | 26.4743% | 6,189 |
| Earnings coverage of net charge-offs (x) | -0.4969% | 6,320 |
| Efficiency ratio | 121.1426% | 379 |
| Assets per employee ($millions) | 4.5644% | 2,809 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.9536% | 382 |
| Loan loss allowance to noncurrent loans | 99.2643% | 2,799 |
| Noncurrent assets plus other real estate owned to assets | 7.3395% | 726 |
| Noncurrent loans to loans | 3.9829% | 1,884 |
| Net loans and leases to total assets | 54.9153% | 5,717 |
| Net loans and leases to deposits | 58.1434% | 6,448 |
| Net loans and leases to core deposits | 61.6327% | 6,490 |
| Total domestic deposits to total assets | 94.4480% | 53 |
| Equity capital to assets | 5.1383% | 7,567 |
| Core capital (leverage) ratio | 5.0450% | 7,540 |
| Tier 1 risk-based capital ratio | 7.9508% | 7,482 |
| Total risk-based capital ratio | 9.2300% | 7,484 |
| Memoranda: |
| Average total assets | $82,234,250 | 5,589 |
| Average earning assets | $75,438,750 | 5,562 |
| Average equity | $4,197,250 | 7,010 |
| Average total loans | $48,448,750 | 5,621 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6355% | 6,354 |
| Cost of funding earning assets | 1.6266% | 2,501 |
| Net interest margin | 3.0089% | 6,807 |
| Noninterest income to average assets | 0.2029% | 6,456 |
| Noninterest expense to average assets | 3.8696% | 1,232 |
| Loan and lease loss provision to assets | 0.4918% | 2,836 |
| Net operating income to assets | -1.3941% | 7,119 |
| Return on assets (ROA) | -1.2962% | 7,082 |
| Pretax return on assets | -1.2962% | 7,007 |
| Return on Equity (ROE) | -25.4492% | 7,378 |
| Retained earnings to average equity (ytd only) | -25.4492% | 7,362 |
| Net charge-offs to loans | 1.2086% | 1,579 |
| Credit loss provision to net charge-offs | 68.4385% | 5,009 |
| Earnings coverage of net charge-offs (x) | -1.2558% | 6,153 |
| Efficiency ratio | 130.4103% | 313 |
| Assets per employee ($millions) | 5.1381% | 2,004 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.6755% | 227 |
| Loan loss allowance to noncurrent loans | 90.7437% | 3,007 |
| Noncurrent assets plus other real estate owned to assets | 6.9664% | 762 |
| Noncurrent loans to loans | 5.1524% | 1,327 |
| Net loans and leases to total assets | 55.6764% | 5,755 |
| Net loans and leases to deposits | 58.8256% | 6,509 |
| Net loans and leases to core deposits | 63.5012% | 6,448 |
| Total domestic deposits to total assets | 94.6466% | 57 |
| Equity capital to assets | 4.9289% | 7,642 |
| Core capital (leverage) ratio | 4.6461% | 7,640 |
| Tier 1 risk-based capital ratio | 7.6796% | 7,546 |
| Total risk-based capital ratio | 8.9688% | 7,553 |
| Memoranda: |
| Average total assets | $83,781,000 | 5,570 |
| Average earning assets | $76,970,670 | 5,550 |
| Average equity | $4,267,330 | 7,025 |
| Average total loans | $49,810,000 | 5,614 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7605% | 6,033 |
| Cost of funding earning assets | 1.7198% | 2,290 |
| Net interest margin | 3.0407% | 6,736 |
| Noninterest income to average assets | 0.1750% | 6,711 |
| Noninterest expense to average assets | 3.6847% | 1,544 |
| Loan and lease loss provision to assets | -0.2601% | 7,885 |
| Net operating income to assets | -0.4730% | 6,808 |
| Return on assets (ROA) | -0.3311% | 6,745 |
| Pretax return on assets | -0.3311% | 6,668 |
| Return on Equity (ROE) | -6.4000% | 6,956 |
| Retained earnings to average equity (ytd only) | -6.4000% | 6,687 |
| Net charge-offs to loans | 3.9127% | 341 |
| Credit loss provision to net charge-offs | -11.0887% | 5,957 |
| Earnings coverage of net charge-offs (x) | -0.3125% | 5,214 |
| Efficiency ratio | 124.8397% | 393 |
| Assets per employee ($millions) | 5.0544% | 2,163 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.6777% | 477 |
| Loan loss allowance to noncurrent loans | 82.2907% | 3,323 |
| Noncurrent assets plus other real estate owned to assets | 8.5160% | 556 |
| Noncurrent loans to loans | 4.4692% | 1,676 |
| Net loans and leases to total assets | 57.9380% | 5,448 |
| Net loans and leases to deposits | 63.3912% | 6,125 |
| Net loans and leases to core deposits | 68.6148% | 6,043 |
| Total domestic deposits to total assets | 91.3974% | 408 |
| Equity capital to assets | 5.3183% | 7,690 |
| Core capital (leverage) ratio | 5.1405% | 7,691 |
| Tier 1 risk-based capital ratio | 7.6892% | 7,644 |
| Total risk-based capital ratio | 8.9630% | 7,652 |
| Memoranda: |
| Average total assets | $84,567,000 | 5,612 |
| Average earning assets | $77,218,500 | 5,593 |
| Average equity | $4,375,000 | 7,046 |
| Average total loans | $50,707,000 | 5,641 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6713% | 7,185 |
| Cost of funding earning assets | 2.3043% | 1,638 |
| Net interest margin | 2.3671% | 7,532 |
| Noninterest income to average assets | 0.1580% | 6,941 |
| Noninterest expense to average assets | 2.8211% | 4,887 |
| Loan and lease loss provision to assets | 2.1744% | 960 |
| Net operating income to assets | -2.5783% | 7,289 |
| Return on assets (ROA) | -2.3407% | 7,214 |
| Pretax return on assets | -2.3407% | 7,082 |
| Return on Equity (ROE) | -46.3073% | 7,643 |
| Retained earnings to average equity (ytd only) | -46.3073% | 7,632 |
| Net charge-offs to loans | 3.0370% | 690 |
| Credit loss provision to net charge-offs | 111.9086% | 4,902 |
| Earnings coverage of net charge-offs (x) | -0.2079% | 6,457 |
| Efficiency ratio | 116.7094% | 660 |
| Assets per employee ($millions) | 6.3045% | 1,078 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.4343% | 266 |
| Loan loss allowance to noncurrent loans | 33.5004% | 6,205 |
| Noncurrent assets plus other real estate owned to assets | 11.9710% | 254 |
| Noncurrent loans to loans | 13.2367% | 228 |
| Net loans and leases to total assets | 57.1361% | 5,795 |
| Net loans and leases to deposits | 65.5173% | 6,111 |
| Net loans and leases to core deposits | 86.1727% | 5,502 |
| Total domestic deposits to total assets | 87.2076% | 2,380 |
| Equity capital to assets | 5.0406% | 7,789 |
| Core capital (leverage) ratio | 4.7694% | 7,786 |
| Tier 1 risk-based capital ratio | 7.2504% | 7,721 |
| Total risk-based capital ratio | 8.5327% | 7,725 |
| Memoranda: |
| Average total assets | $96,807,600 | 5,174 |
| Average earning assets | $92,393,000 | 5,047 |
| Average equity | $4,893,400 | 6,981 |
| Average total loans | $61,936,000 | 5,173 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6267% | 7,377 |
| Cost of funding earning assets | 2.3722% | 1,734 |
| Net interest margin | 2.2545% | 7,683 |
| Noninterest income to average assets | 0.1186% | 7,298 |
| Noninterest expense to average assets | 2.7220% | 5,239 |
| Loan and lease loss provision to assets | 4.2110% | 259 |
| Net operating income to assets | -4.6463% | 7,807 |
| Return on assets (ROA) | -4.4967% | 7,797 |
| Pretax return on assets | -4.4967% | 7,755 |
| Return on Equity (ROE) | -88.9044% | 7,986 |
| Retained earnings to average equity (ytd only) | -88.9044% | 7,985 |
| Net charge-offs to loans | 6.6221% | 121 |
| Credit loss provision to net charge-offs | 97.9624% | 5,220 |
| Earnings coverage of net charge-offs (x) | -0.1013% | 6,183 |
| Efficiency ratio | 119.0336% | 601 |
| Assets per employee ($millions) | 6.2634% | 1,094 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.7443% | 348 |
| Loan loss allowance to noncurrent loans | 26.4372% | 6,693 |
| Noncurrent assets plus other real estate owned to assets | 12.1861% | 215 |
| Noncurrent loans to loans | 14.1629% | 172 |
| Net loans and leases to total assets | 56.1207% | 6,129 |
| Net loans and leases to deposits | 65.8285% | 6,326 |
| Net loans and leases to core deposits | 86.4587% | 5,822 |
| Total domestic deposits to total assets | 85.2530% | 3,096 |
| Equity capital to assets | 3.7307% | 8,008 |
| Core capital (leverage) ratio | 3.3840% | 8,015 |
| Tier 1 risk-based capital ratio | 5.2488% | 7,987 |
| Total risk-based capital ratio | 6.5229% | 7,989 |
| Memoranda: |
| Average total assets | $98,943,750 | 5,152 |
| Average earning assets | $95,155,500 | 4,999 |
| Average equity | $5,004,500 | 6,996 |
| Average total loans | $64,227,500 | 5,128 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7211% | 7,360 |
| Cost of funding earning assets | 2.4242% | 1,864 |
| Net interest margin | 2.2969% | 7,680 |
| Noninterest income to average assets | 0.0954% | 7,502 |
| Noninterest expense to average assets | 2.6797% | 5,454 |
| Loan and lease loss provision to assets | 6.4587% | 119 |
| Net operating income to assets | -6.8185% | 8,041 |
| Return on assets (ROA) | -6.8185% | 8,035 |
| Pretax return on assets | -6.8185% | 8,014 |
| Return on Equity (ROE) | -124.6292% | 8,106 |
| Retained earnings to average equity (ytd only) | -124.6292% | 8,105 |
| Net charge-offs to loans | 9.3681% | 67 |
| Credit loss provision to net charge-offs | 102.9468% | 4,447 |
| Earnings coverage of net charge-offs (x) | -0.0574% | 5,755 |
| Efficiency ratio | 115.5099% | 741 |
| Assets per employee ($millions) | 7.2849% | 673 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.6134% | 344 |
| Loan loss allowance to noncurrent loans | 33.6328% | 6,218 |
| Noncurrent assets plus other real estate owned to assets | 7.3001% | 561 |
| Noncurrent loans to loans | 10.7438% | 298 |
| Net loans and leases to total assets | 53.9237% | 6,463 |
| Net loans and leases to deposits | 63.6837% | 6,598 |
| Net loans and leases to core deposits | 80.3436% | 6,376 |
| Total domestic deposits to total assets | 84.6742% | 3,404 |
| Equity capital to assets | 3.0017% | 8,120 |
| Core capital (leverage) ratio | 3.2429% | 8,116 |
| Tier 1 risk-based capital ratio | 4.5654% | 8,113 |
| Total risk-based capital ratio | 5.8387% | 8,114 |
| Memoranda: |
| Average total assets | $100,608,000 | 5,146 |
| Average earning assets | $97,434,670 | 4,967 |
| Average equity | $5,504,330 | 6,897 |
| Average total loans | $67,377,670 | 5,055 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0510% | 6,793 |
| Cost of funding earning assets | 2.6005% | 1,563 |
| Net interest margin | 2.4505% | 7,559 |
| Noninterest income to average assets | 0.0872% | 7,618 |
| Noninterest expense to average assets | 2.4845% | 5,898 |
| Loan and lease loss provision to assets | 1.8904% | 647 |
| Net operating income to assets | -1.9112% | 7,632 |
| Return on assets (ROA) | -1.9112% | 7,634 |
| Pretax return on assets | -1.9112% | 7,510 |
| Return on Equity (ROE) | -27.8093% | 7,882 |
| Retained earnings to average equity (ytd only) | -27.8093% | 7,825 |
| Net charge-offs to loans | 0.3915% | 2,531 |
| Credit loss provision to net charge-offs | 659.4203% | 879 |
| Earnings coverage of net charge-offs (x) | -0.0725% | 5,044 |
| Efficiency ratio | 100.8432% | 1,097 |
| Assets per employee ($millions) | 5.2031% | 1,842 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.5912% | 303 |
| Loan loss allowance to noncurrent loans | 25.2294% | 6,886 |
| Noncurrent assets plus other real estate owned to assets | 11.0421% | 178 |
| Noncurrent loans to loans | 14.2342% | 116 |
| Net loans and leases to total assets | 67.9439% | 4,153 |
| Net loans and leases to deposits | 84.9798% | 3,827 |
| Net loans and leases to core deposits | 112.8836% | 3,119 |
| Total domestic deposits to total assets | 79.9531% | 5,388 |
| Equity capital to assets | 6.4486% | 7,888 |
| Core capital (leverage) ratio | 6.3328% | 7,935 |
| Tier 1 risk-based capital ratio | 8.3336% | 7,973 |
| Total risk-based capital ratio | 9.6100% | 8,001 |
| Memoranda: |
| Average total assets | $96,275,500 | 5,296 |
| Average earning assets | $93,367,000 | 5,107 |
| Average equity | $6,616,500 | 6,542 |
| Average total loans | $70,500,000 | 4,967 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.6541% | 2,227 |
| Cost of funding earning assets | 2.7889% | 2,751 |
| Net interest margin | 3.8652% | 3,723 |
| Noninterest income to average assets | 0.1506% | 7,341 |
| Noninterest expense to average assets | 3.2915% | 2,990 |
| Loan and lease loss provision to assets | 2.0987% | 558 |
| Net operating income to assets | -1.4799% | 7,453 |
| Return on assets (ROA) | -1.4799% | 7,403 |
| Pretax return on assets | -1.4799% | 7,243 |
| Return on Equity (ROE) | -15.8462% | 7,625 |
| Retained earnings to average equity (ytd only) | -16.3375% | 7,534 |
| Net charge-offs to loans | 1.0023% | 1,237 |
| Credit loss provision to net charge-offs | 251.6220% | 1,849 |
| Earnings coverage of net charge-offs (x) | 0.7419% | 5,780 |
| Efficiency ratio | 84.1757% | 2,036 |
| Assets per employee ($millions) | 4.6847% | 2,353 |
| Cash dividends to net income (ytd only)* | -3.1002% | 7,732 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.9665% | 449 |
| Loan loss allowance to noncurrent loans | 25.4602% | 6,979 |
| Noncurrent assets plus other real estate owned to assets | 8.8705% | 234 |
| Noncurrent loans to loans | 11.6515% | 139 |
| Net loans and leases to total assets | 73.8732% | 3,134 |
| Net loans and leases to deposits | 99.7162% | 1,858 |
| Net loans and leases to core deposits | 125.1858% | 2,233 |
| Total domestic deposits to total assets | 74.0834% | 6,644 |
| Equity capital to assets | 7.3197% | 7,537 |
| Core capital (leverage) ratio | 8.1007% | 6,324 |
| Tier 1 risk-based capital ratio | 9.0238% | 7,764 |
| Total risk-based capital ratio | 10.2945% | 7,731 |
| Memoranda: |
| Average total assets | $85,006,200 | 5,522 |
| Average earning assets | $82,685,600 | 5,341 |
| Average equity | $7,938,800 | 6,110 |
| Average total loans | $70,736,800 | 4,838 |
