| 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 | 5.0854% | 1,342 |
| Cost of funding earning assets | 0.5914% | 4,427 |
| Net interest margin | 4.4940% | 959 |
| Noninterest income to average assets | 1.7426% | 538 |
| Noninterest expense to average assets | 5.5646% | 266 |
| Loan and lease loss provision to assets | 0.8876% | 511 |
| Net operating income to assets | -0.9480% | 6,728 |
| Return on assets (ROA) | -0.9480% | 6,746 |
| Pretax return on assets | -0.9455% | 6,721 |
| Return on Equity (ROE) | -14.2522% | 6,813 |
| Retained earnings to average equity (ytd only) | -14.2522% | 6,760 |
| Net charge-offs to loans | 1.2924% | 755 |
| Credit loss provision to net charge-offs | 107.6220% | 2,749 |
| Earnings coverage of net charge-offs (x) | -0.0701% | 5,523 |
| Efficiency ratio | 101.0502% | 521 |
| Assets per employee ($millions) | 3.1188% | 5,808 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.1778% | 567 |
| Loan loss allowance to noncurrent loans | 46.0220% | 5,320 |
| Noncurrent assets plus other real estate owned to assets | 4.5104% | 916 |
| Noncurrent loans to loans | 6.9050% | 468 |
| Net loans and leases to total assets | 61.2211% | 3,389 |
| Net loans and leases to deposits | 65.8883% | 4,305 |
| Net loans and leases to core deposits | 65.8883% | 4,748 |
| Total domestic deposits to total assets | 92.9165% | 140 |
| Equity capital to assets | 6.6266% | 6,831 |
| Core capital (leverage) ratio | 6.1991% | 6,831 |
| Tier 1 risk-based capital ratio | 10.6780% | 6,486 |
| Total risk-based capital ratio | 11.9575% | 6,434 |
| Memoranda: |
| Average total assets | $39,769,000 | 6,509 |
| Average earning assets | $33,311,200 | 6,576 |
| Average equity | $2,645,200 | 6,851 |
| Average total loans | $25,379,600 | 6,172 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1250% | 1,369 |
| Cost of funding earning assets | 0.6078% | 4,568 |
| Net interest margin | 4.5172% | 958 |
| Noninterest income to average assets | 1.9130% | 448 |
| Noninterest expense to average assets | 5.3425% | 296 |
| Loan and lease loss provision to assets | 1.1663% | 316 |
| Net operating income to assets | -0.7929% | 6,810 |
| Return on assets (ROA) | -0.7929% | 6,831 |
| Pretax return on assets | -0.7896% | 6,805 |
| Return on Equity (ROE) | -11.9110% | 6,892 |
| Retained earnings to average equity (ytd only) | -11.9110% | 6,857 |
| Net charge-offs to loans | 1.5602% | 544 |
| Credit loss provision to net charge-offs | 116.8874% | 2,488 |
| Earnings coverage of net charge-offs (x) | 0.3775% | 5,142 |
| Efficiency ratio | 93.4142% | 816 |
| Assets per employee ($millions) | 2.8256% | 6,325 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.1313% | 640 |
| Loan loss allowance to noncurrent loans | 44.1794% | 5,449 |
| Noncurrent assets plus other real estate owned to assets | 4.5958% | 1,003 |
| Noncurrent loans to loans | 7.0877% | 509 |
| Net loans and leases to total assets | 60.8423% | 3,600 |
| Net loans and leases to deposits | 65.5429% | 4,531 |
| Net loans and leases to core deposits | 66.0320% | 4,951 |
| Total domestic deposits to total assets | 92.8283% | 127 |
| Equity capital to assets | 6.6889% | 6,919 |
| Core capital (leverage) ratio | 6.2209% | 6,925 |
| Tier 1 risk-based capital ratio | 10.7754% | 6,572 |
| Total risk-based capital ratio | 12.0516% | 6,538 |
| Memoranda: |
| Average total assets | $40,355,000 | 6,575 |
| Average earning assets | $34,002,250 | 6,640 |
| Average equity | $2,686,500 | 6,935 |
| Average total loans | $25,808,500 | 6,225 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1514% | 1,372 |
| Cost of funding earning assets | 0.6410% | 4,521 |
| Net interest margin | 4.5104% | 977 |
| Noninterest income to average assets | 1.1423% | 1,090 |
| Noninterest expense to average assets | 5.2239% | 327 |
| Loan and lease loss provision to assets | 1.4771% | 248 |
| Net operating income to assets | -1.7183% | 7,042 |
| Return on assets (ROA) | -1.7183% | 7,057 |
| Pretax return on assets | -1.7134% | 7,033 |
| Return on Equity (ROE) | -25.8519% | 7,073 |
| Retained earnings to average equity (ytd only) | -25.8519% | 7,060 |
| Net charge-offs to loans | 2.2197% | 341 |
| Credit loss provision to net charge-offs | 103.4483% | 2,636 |
| Earnings coverage of net charge-offs (x) | -0.1655% | 5,154 |
| Efficiency ratio | 104.7384% | 420 |
| Assets per employee ($millions) | 3.0065% | 6,053 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.8366% | 914 |
| Loan loss allowance to noncurrent loans | 138.2739% | 2,405 |
| Noncurrent assets plus other real estate owned to assets | 1.6272% | 3,286 |
| Noncurrent loans to loans | 2.0514% | 2,886 |
| Net loans and leases to total assets | 64.5900% | 2,908 |
| Net loans and leases to deposits | 69.3258% | 3,993 |
| Net loans and leases to core deposits | 70.8234% | 4,435 |
| Total domestic deposits to total assets | 93.1687% | 114 |
| Equity capital to assets | 6.4065% | 6,996 |
| Core capital (leverage) ratio | 6.0170% | 6,986 |
| Tier 1 risk-based capital ratio | 9.7480% | 6,881 |
| Total risk-based capital ratio | 11.0184% | 6,874 |
| Memoranda: |
| Average total assets | $40,620,670 | 6,614 |
| Average earning assets | $34,631,330 | 6,668 |
| Average equity | $2,700,000 | 6,968 |
| Average total loans | $26,129,330 | 6,253 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0932% | 1,595 |
| Cost of funding earning assets | 0.6806% | 4,458 |
| Net interest margin | 4.4126% | 1,198 |
| Noninterest income to average assets | 1.0148% | 1,390 |
| Noninterest expense to average assets | 5.4798% | 270 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -0.7055% | 6,915 |
| Return on assets (ROA) | -0.7055% | 6,935 |
| Pretax return on assets | -0.7055% | 6,899 |
| Return on Equity (ROE) | -10.4360% | 6,997 |
| Retained earnings to average equity (ytd only) | -10.4360% | 6,852 |
| Net charge-offs to loans | 0.0611% | 3,884 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | -18.2500% | 4,701 |
| Efficiency ratio | 114.7773% | 278 |
| Assets per employee ($millions) | 3.0624% | 6,037 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.7452% | 1,064 |
| Loan loss allowance to noncurrent loans | 77.7419% | 3,754 |
| Noncurrent assets plus other real estate owned to assets | 2.4094% | 2,455 |
| Noncurrent loans to loans | 3.5312% | 1,761 |
| Net loans and leases to total assets | 59.7425% | 3,726 |
| Net loans and leases to deposits | 64.1216% | 4,618 |
| Net loans and leases to core deposits | 65.9068% | 4,921 |
| Total domestic deposits to total assets | 93.1707% | 134 |
| Equity capital to assets | 6.4491% | 7,025 |
| Core capital (leverage) ratio | 6.1293% | 7,022 |
| Tier 1 risk-based capital ratio | 10.7515% | 6,644 |
| Total risk-based capital ratio | 12.0216% | 6,623 |
| Memoranda: |
| Average total assets | $41,388,500 | 6,628 |
| Average earning assets | $35,262,500 | 6,699 |
| Average equity | $2,798,000 | 7,001 |
| Average total loans | $26,203,000 | 6,297 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3501% | 1,563 |
| Cost of funding earning assets | 0.8776% | 4,271 |
| Net interest margin | 4.4725% | 1,202 |
| Noninterest income to average assets | 0.6446% | 2,920 |
| Noninterest expense to average assets | 5.6642% | 245 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | -0.7703% | 6,641 |
| Return on assets (ROA) | -0.7703% | 6,673 |
| Pretax return on assets | -1.0821% | 6,767 |
| Return on Equity (ROE) | -10.6678% | 6,756 |
| Retained earnings to average equity (ytd only) | -10.6678% | 6,720 |
| Net charge-offs to loans | -0.5017% | 7,278 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 123.6160% | 277 |
| Assets per employee ($millions) | 2.1002% | 7,122 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.7888% | 991 |
| Loan loss allowance to noncurrent loans | 100.5533% | 3,040 |
| Noncurrent assets plus other real estate owned to assets | 2.0700% | 2,875 |
| Noncurrent loans to loans | 2.7734% | 2,356 |
| Net loans and leases to total assets | 63.5090% | 3,290 |
| Net loans and leases to deposits | 68.6905% | 4,333 |
| Net loans and leases to core deposits | 69.7877% | 4,805 |
| Total domestic deposits to total assets | 92.4567% | 185 |
| Equity capital to assets | 7.0947% | 6,937 |
| Core capital (leverage) ratio | 6.4749% | 6,983 |
| Tier 1 risk-based capital ratio | 10.2008% | 6,797 |
| Total risk-based capital ratio | 11.4704% | 6,774 |
| Memoranda: |
| Average total assets | $42,971,400 | 6,565 |
| Average earning assets | $37,831,200 | 6,611 |
| Average equity | $3,102,800 | 6,988 |
| Average total loans | $28,704,800 | 6,215 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2325% | 2,086 |
| Cost of funding earning assets | 0.9064% | 4,352 |
| Net interest margin | 4.3261% | 1,623 |
| Noninterest income to average assets | 0.5365% | 3,606 |
| Noninterest expense to average assets | 5.2767% | 292 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | -0.4908% | 6,632 |
| Return on assets (ROA) | -0.4908% | 6,679 |
| Pretax return on assets | -0.8993% | 6,830 |
| Return on Equity (ROE) | -6.7700% | 6,756 |
| Retained earnings to average equity (ytd only) | -6.7700% | 6,690 |
| Net charge-offs to loans | -0.6312% | 7,357 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 120.5432% | 301 |
| Assets per employee ($millions) | 2.0470% | 7,220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.5749% | 1,301 |
| Loan loss allowance to noncurrent loans | 40.0666% | 5,613 |
| Noncurrent assets plus other real estate owned to assets | 4.7753% | 1,226 |
| Noncurrent loans to loans | 6.4265% | 830 |
| Net loans and leases to total assets | 66.7269% | 2,734 |
| Net loans and leases to deposits | 72.6446% | 3,863 |
| Net loans and leases to core deposits | 73.7826% | 4,484 |
| Total domestic deposits to total assets | 91.8539% | 232 |
| Equity capital to assets | 7.5672% | 6,912 |
| Core capital (leverage) ratio | 7.0636% | 6,942 |
| Tier 1 risk-based capital ratio | 10.8411% | 6,638 |
| Total risk-based capital ratio | 12.1109% | 6,605 |
| Memoranda: |
| Average total assets | $43,738,500 | 6,606 |
| Average earning assets | $38,833,000 | 6,637 |
| Average equity | $3,170,750 | 7,033 |
| Average total loans | $29,363,750 | 6,248 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1261% | 2,561 |
| Cost of funding earning assets | 0.9476% | 4,335 |
| Net interest margin | 4.1785% | 2,125 |
| Noninterest income to average assets | 0.8238% | 1,917 |
| Noninterest expense to average assets | 5.1263% | 335 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | -0.3000% | 6,557 |
| Return on assets (ROA) | -0.3000% | 6,587 |
| Pretax return on assets | -0.5910% | 6,705 |
| Return on Equity (ROE) | -4.1941% | 6,655 |
| Retained earnings to average equity (ytd only) | -4.1941% | 6,491 |
| Net charge-offs to loans | 0.8254% | 1,854 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | -1.0732% | 5,644 |
| Efficiency ratio | 113.0306% | 423 |
| Assets per employee ($millions) | 2.1186% | 7,224 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7030% | 3,316 |
| Loan loss allowance to noncurrent loans | 23.3970% | 6,600 |
| Noncurrent assets plus other real estate owned to assets | 6.2966% | 865 |
| Noncurrent loans to loans | 7.2788% | 688 |
| Net loans and leases to total assets | 65.1138% | 3,232 |
| Net loans and leases to deposits | 70.7872% | 4,327 |
| Net loans and leases to core deposits | 71.8527% | 4,840 |
| Total domestic deposits to total assets | 91.9853% | 235 |
| Equity capital to assets | 7.4719% | 6,961 |
| Core capital (leverage) ratio | 7.0523% | 6,975 |
| Tier 1 risk-based capital ratio | 11.0120% | 6,522 |
| Total risk-based capital ratio | 12.2701% | 6,501 |
| Memoranda: |
| Average total assets | $44,671,330 | 6,630 |
| Average earning assets | $39,679,000 | 6,652 |
| Average equity | $3,195,000 | 7,071 |
| Average total loans | $29,805,000 | 6,289 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5637% | 1,144 |
| Cost of funding earning assets | 0.9813% | 4,340 |
| Net interest margin | 4.5825% | 893 |
| Noninterest income to average assets | 0.8642% | 1,798 |
| Noninterest expense to average assets | 5.1068% | 332 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -0.0436% | 6,408 |
| Return on assets (ROA) | -0.0436% | 6,426 |
| Pretax return on assets | -0.1659% | 6,512 |
| Return on Equity (ROE) | -0.6232% | 6,441 |
| Retained earnings to average equity (ytd only) | -0.6232% | 5,913 |
| Net charge-offs to loans | 0.3651% | 2,605 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | -0.6786% | 4,843 |
| Efficiency ratio | 103.3569% | 643 |
| Assets per employee ($millions) | 2.2679% | 7,207 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8554% | 2,840 |
| Loan loss allowance to noncurrent loans | 62.7451% | 4,269 |
| Noncurrent assets plus other real estate owned to assets | 3.0866% | 2,234 |
| Noncurrent loans to loans | 2.9570% | 2,541 |
| Net loans and leases to total assets | 67.1745% | 2,718 |
| Net loans and leases to deposits | 75.4090% | 3,515 |
| Net loans and leases to core deposits | 76.4995% | 4,234 |
| Total domestic deposits to total assets | 89.0802% | 1,726 |
| Equity capital to assets | 7.0682% | 7,063 |
| Core capital (leverage) ratio | 6.7161% | 7,109 |
| Tier 1 risk-based capital ratio | 10.1749% | 6,936 |
| Total risk-based capital ratio | 11.4346% | 6,935 |
| Memoranda: |
| Average total assets | $45,821,000 | 6,643 |
| Average earning assets | $40,764,000 | 6,654 |
| Average equity | $3,209,500 | 7,104 |
| Average total loans | $30,673,500 | 6,309 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.9094% | 1,023 |
| Cost of funding earning assets | 1.1274% | 4,984 |
| Net interest margin | 4.7821% | 686 |
| Noninterest income to average assets | 0.9501% | 1,674 |
| Noninterest expense to average assets | 5.1909% | 368 |
| Loan and lease loss provision to assets | 3.6334% | 198 |
| Net operating income to assets | -3.4930% | 7,372 |
| Return on assets (ROA) | -3.4832% | 7,387 |
| Pretax return on assets | -3.7435% | 7,403 |
| Return on Equity (ROE) | -40.1738% | 7,351 |
| Retained earnings to average equity (ytd only) | -40.1738% | 7,344 |
| Net charge-offs to loans | 3.8634% | 342 |
| Credit loss provision to net charge-offs | 138.0225% | 2,767 |
| Earnings coverage of net charge-offs (x) | -0.0458% | 6,168 |
| Efficiency ratio | 102.3790% | 711 |
| Assets per employee ($millions) | 2.1038% | 7,365 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0329% | 2,216 |
| Loan loss allowance to noncurrent loans | 44.0315% | 5,385 |
| Noncurrent assets plus other real estate owned to assets | 3.7097% | 1,853 |
| Noncurrent loans to loans | 4.6169% | 1,520 |
| Net loans and leases to total assets | 64.1388% | 3,845 |
| Net loans and leases to deposits | 73.6351% | 4,255 |
| Net loans and leases to core deposits | 74.7043% | 4,886 |
| Total domestic deposits to total assets | 87.1035% | 2,766 |
| Equity capital to assets | 6.9419% | 7,131 |
| Core capital (leverage) ratio | 6.7065% | 7,139 |
| Tier 1 risk-based capital ratio | 10.3861% | 6,771 |
| Total risk-based capital ratio | 11.6462% | 6,750 |
| Memoranda: |
| Average total assets | $47,255,800 | 6,630 |
| Average earning assets | $40,714,600 | 6,689 |
| Average equity | $4,097,200 | 6,963 |
| Average total loans | $32,199,600 | 6,306 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.9634% | 1,004 |
| Cost of funding earning assets | 1.1565% | 5,105 |
| Net interest margin | 4.8069% | 670 |
| Noninterest income to average assets | 0.8646% | 1,934 |
| Noninterest expense to average assets | 5.1144% | 346 |
| Loan and lease loss provision to assets | 3.9158% | 171 |
| Net operating income to assets | -3.9519% | 7,566 |
| Return on assets (ROA) | -3.9383% | 7,577 |
| Pretax return on assets | -4.0449% | 7,564 |
| Return on Equity (ROE) | -43.3189% | 7,517 |
| Retained earnings to average equity (ytd only) | -43.3189% | 7,515 |
| Net charge-offs to loans | 4.5784% | 214 |
| Credit loss provision to net charge-offs | 124.3316% | 3,296 |
| Earnings coverage of net charge-offs (x) | -0.0455% | 6,066 |
| Efficiency ratio | 102.8797% | 657 |
| Assets per employee ($millions) | 2.1194% | 7,446 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4705% | 4,100 |
| Loan loss allowance to noncurrent loans | 29.7680% | 6,346 |
| Noncurrent assets plus other real estate owned to assets | 4.3172% | 1,574 |
| Noncurrent loans to loans | 4.9398% | 1,413 |
| Net loans and leases to total assets | 66.3907% | 3,597 |
| Net loans and leases to deposits | 76.6370% | 4,064 |
| Net loans and leases to core deposits | 77.1451% | 4,904 |
| Total domestic deposits to total assets | 86.6301% | 2,729 |
| Equity capital to assets | 7.4549% | 7,152 |
| Core capital (leverage) ratio | 7.1645% | 7,078 |
| Tier 1 risk-based capital ratio | 9.9790% | 7,080 |
| Total risk-based capital ratio | 11.2305% | 7,065 |
| Memoranda: |
| Average total assets | $47,498,750 | 6,703 |
| Average earning assets | $40,579,750 | 6,776 |
| Average equity | $4,318,250 | 6,976 |
| Average total loans | $32,674,000 | 6,355 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.0275% | 880 |
| Cost of funding earning assets | 1.1460% | 5,430 |
| Net interest margin | 4.8815% | 558 |
| Noninterest income to average assets | 0.8789% | 1,763 |
| Noninterest expense to average assets | 5.1183% | 350 |
| Loan and lease loss provision to assets | 3.3480% | 272 |
| Net operating income to assets | -2.9797% | 7,509 |
| Return on assets (ROA) | -2.9797% | 7,516 |
| Pretax return on assets | -3.3982% | 7,528 |
| Return on Equity (ROE) | -30.9633% | 7,444 |
| Retained earnings to average equity (ytd only) | -30.9633% | 7,432 |
| Net charge-offs to loans | 3.1185% | 500 |
| Credit loss provision to net charge-offs | 155.0388% | 2,538 |
| Earnings coverage of net charge-offs (x) | -0.0233% | 5,740 |
| Efficiency ratio | 100.9909% | 770 |
| Assets per employee ($millions) | 2.4221% | 7,206 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3298% | 4,769 |
| Loan loss allowance to noncurrent loans | 18.5678% | 7,008 |
| Noncurrent assets plus other real estate owned to assets | 5.2806% | 1,193 |
| Noncurrent loans to loans | 7.1617% | 776 |
| Net loans and leases to total assets | 63.1652% | 4,425 |
| Net loans and leases to deposits | 73.4982% | 4,754 |
| Net loans and leases to core deposits | 73.9482% | 5,455 |
| Total domestic deposits to total assets | 85.9412% | 3,125 |
| Equity capital to assets | 8.1962% | 6,552 |
| Core capital (leverage) ratio | 7.8554% | 6,433 |
| Tier 1 risk-based capital ratio | 11.6890% | 5,595 |
| Total risk-based capital ratio | 12.9379% | 5,557 |
| Memoranda: |
| Average total assets | $47,789,330 | 6,736 |
| Average earning assets | $41,012,330 | 6,813 |
| Average equity | $4,599,000 | 6,904 |
| Average total loans | $33,092,670 | 6,378 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.2981% | 531 |
| Cost of funding earning assets | 1.1497% | 5,661 |
| Net interest margin | 5.1484% | 323 |
| Noninterest income to average assets | 0.7438% | 2,337 |
| Noninterest expense to average assets | 4.9642% | 376 |
| Loan and lease loss provision to assets | 3.6756% | 250 |
| Net operating income to assets | -3.1134% | 7,651 |
| Return on assets (ROA) | -3.1134% | 7,648 |
| Pretax return on assets | -3.5199% | 7,642 |
| Return on Equity (ROE) | -29.9128% | 7,569 |
| Retained earnings to average equity (ytd only) | -29.9128% | 7,540 |
| Net charge-offs to loans | 4.5087% | 283 |
| Credit loss provision to net charge-offs | 113.0319% | 3,071 |
| Earnings coverage of net charge-offs (x) | 0.0479% | 4,995 |
| Efficiency ratio | 96.9595% | 971 |
| Assets per employee ($millions) | 2.5054% | 7,188 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7519% | 7,239 |
| Loan loss allowance to noncurrent loans | 15.8255% | 7,186 |
| Noncurrent assets plus other real estate owned to assets | 4.1048% | 1,669 |
| Noncurrent loans to loans | 4.7509% | 1,552 |
| Net loans and leases to total assets | 70.4346% | 2,816 |
| Net loans and leases to deposits | 83.5364% | 3,022 |
| Net loans and leases to core deposits | 84.0937% | 4,186 |
| Total domestic deposits to total assets | 84.3161% | 3,990 |
| Equity capital to assets | 9.4091% | 4,663 |
| Core capital (leverage) ratio | 9.0163% | 4,536 |
| Tier 1 risk-based capital ratio | 11.6980% | 5,496 |
| Total risk-based capital ratio | 12.3918% | 5,980 |
| Memoranda: |
| Average total assets | $46,251,500 | 6,867 |
| Average earning assets | $39,313,500 | 6,956 |
| Average equity | $4,814,000 | 6,905 |
| Average total loans | $33,358,000 | 6,442 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.3530% | 930 |
| Cost of funding earning assets | 1.5279% | 5,385 |
| Net interest margin | 4.8251% | 656 |
| Noninterest income to average assets | 0.8041% | 2,388 |
| Noninterest expense to average assets | 5.0000% | 522 |
| Loan and lease loss provision to assets | 0.7924% | 2,757 |
| Net operating income to assets | -0.2797% | 5,946 |
| Return on assets (ROA) | -0.2782% | 5,939 |
| Pretax return on assets | -0.5493% | 6,054 |
| Return on Equity (ROE) | -2.2613% | 5,895 |
| Retained earnings to average equity (ytd only) | -2.2613% | 5,575 |
| Net charge-offs to loans | 1.1348% | 2,155 |
| Credit loss provision to net charge-offs | 96.0340% | 5,777 |
| Earnings coverage of net charge-offs (x) | 0.2918% | 5,824 |
| Efficiency ratio | 95.4059% | 1,332 |
| Assets per employee ($millions) | 2.4944% | 7,211 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8320% | 7,040 |
| Loan loss allowance to noncurrent loans | 35.2185% | 6,088 |
| Noncurrent assets plus other real estate owned to assets | 2.5523% | 2,739 |
| Noncurrent loans to loans | 2.3624% | 3,210 |
| Net loans and leases to total assets | 72.7372% | 2,568 |
| Net loans and leases to deposits | 85.3964% | 3,010 |
| Net loans and leases to core deposits | 90.7976% | 5,044 |
| Total domestic deposits to total assets | 85.1759% | 3,468 |
| Equity capital to assets | 11.4677% | 2,338 |
| Core capital (leverage) ratio | 11.0672% | 2,191 |
| Tier 1 risk-based capital ratio | 14.8500% | 3,028 |
| Total risk-based capital ratio | 15.6705% | 3,201 |
| Memoranda: |
| Average total assets | $42,780,400 | 7,000 |
| Average earning assets | $39,335,600 | 6,965 |
| Average equity | $5,262,400 | 6,849 |
| Average total loans | $31,107,000 | 6,575 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.4168% | 897 |
| Cost of funding earning assets | 1.5610% | 5,586 |
| Net interest margin | 4.8557% | 615 |
| Noninterest income to average assets | 0.7637% | 2,629 |
| Noninterest expense to average assets | 5.0176% | 479 |
| Loan and lease loss provision to assets | 0.9057% | 2,121 |
| Net operating income to assets | -0.3334% | 6,244 |
| Return on assets (ROA) | -0.3314% | 6,255 |
| Pretax return on assets | -0.6311% | 6,429 |
| Return on Equity (ROE) | -2.6461% | 6,185 |
| Retained earnings to average equity (ytd only) | -2.6461% | 5,852 |
| Net charge-offs to loans | 1.3268% | 1,545 |
| Credit loss provision to net charge-offs | 94.0984% | 5,369 |
| Earnings coverage of net charge-offs (x) | 0.2820% | 5,728 |
| Efficiency ratio | 94.8687% | 1,341 |
| Assets per employee ($millions) | 2.3430% | 7,452 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8662% | 6,904 |
| Loan loss allowance to noncurrent loans | 35.3403% | 6,054 |
| Noncurrent assets plus other real estate owned to assets | 2.6841% | 2,595 |
| Noncurrent loans to loans | 2.4512% | 3,078 |
| Net loans and leases to total assets | 73.2655% | 2,719 |
| Net loans and leases to deposits | 89.5312% | 2,669 |
| Net loans and leases to core deposits | 95.4262% | 4,875 |
| Total domestic deposits to total assets | 81.8324% | 4,749 |
| Equity capital to assets | 12.5219% | 1,941 |
| Core capital (leverage) ratio | 11.8730% | 1,851 |
| Tier 1 risk-based capital ratio | 15.9243% | 2,655 |
| Total risk-based capital ratio | 16.7889% | 2,740 |
| Memoranda: |
| Average total assets | $42,250,500 | 7,069 |
| Average earning assets | $39,375,000 | 7,021 |
| Average equity | $5,290,750 | 6,906 |
| Average total loans | $30,650,500 | 6,645 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.3487% | 1,096 |
| Cost of funding earning assets | 1.5671% | 5,850 |
| Net interest margin | 4.7816% | 673 |
| Noninterest income to average assets | 0.6954% | 3,015 |
| Noninterest expense to average assets | 4.8869% | 559 |
| Loan and lease loss provision to assets | 0.5914% | 2,674 |
| Net operating income to assets | -0.1497% | 6,105 |
| Return on assets (ROA) | -0.1467% | 6,119 |
| Pretax return on assets | -0.2744% | 6,210 |
| Return on Equity (ROE) | -1.1711% | 6,096 |
| Retained earnings to average equity (ytd only) | -1.1711% | 5,525 |
| Net charge-offs to loans | 1.6012% | 1,183 |
| Credit loss provision to net charge-offs | 51.2295% | 5,748 |
| Earnings coverage of net charge-offs (x) | 0.2705% | 5,402 |
| Efficiency ratio | 93.9945% | 1,495 |
| Assets per employee ($millions) | 2.5027% | 7,238 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5597% | 7,711 |
| Loan loss allowance to noncurrent loans | 25.2994% | 6,823 |
| Noncurrent assets plus other real estate owned to assets | 1.5701% | 3,873 |
| Noncurrent loans to loans | 2.2124% | 3,243 |
| Net loans and leases to total assets | 70.5707% | 3,558 |
| Net loans and leases to deposits | 87.7103% | 3,216 |
| Net loans and leases to core deposits | 94.5401% | 5,055 |
| Total domestic deposits to total assets | 80.4588% | 5,294 |
| Equity capital to assets | 12.5323% | 1,908 |
| Core capital (leverage) ratio | 11.9416% | 1,860 |
| Tier 1 risk-based capital ratio | 15.6988% | 2,729 |
| Total risk-based capital ratio | 16.2245% | 2,971 |
| Memoranda: |
| Average total assets | $42,276,000 | 7,125 |
| Average earning assets | $39,819,000 | 7,062 |
| Average equity | $5,294,000 | 6,966 |
| Average total loans | $30,477,670 | 6,708 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.2917% | 1,324 |
| Cost of funding earning assets | 1.5957% | 6,044 |
| Net interest margin | 4.6961% | 769 |
| Noninterest income to average assets | 0.6075% | 3,496 |
| Noninterest expense to average assets | 4.8884% | 522 |
| Loan and lease loss provision to assets | 0.9492% | 1,372 |
| Net operating income to assets | -0.4617% | 6,835 |
| Return on assets (ROA) | -0.4556% | 6,897 |
| Pretax return on assets | -0.8068% | 7,039 |
| Return on Equity (ROE) | -3.6398% | 6,852 |
| Retained earnings to average equity (ytd only) | -3.6398% | 6,377 |
| Net charge-offs to loans | 3.0699% | 413 |
| Credit loss provision to net charge-offs | 42.5532% | 4,778 |
| Earnings coverage of net charge-offs (x) | 0.0596% | 4,930 |
| Efficiency ratio | 97.3535% | 1,247 |
| Assets per employee ($millions) | 2.3240% | 7,562 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5090% | 7,812 |
| Loan loss allowance to noncurrent loans | 27.2242% | 6,748 |
| Noncurrent assets plus other real estate owned to assets | 1.3435% | 3,980 |
| Noncurrent loans to loans | 1.8696% | 3,461 |
| Net loans and leases to total assets | 71.4931% | 3,356 |
| Net loans and leases to deposits | 89.5017% | 3,008 |
| Net loans and leases to core deposits | 98.2490% | 4,717 |
| Total domestic deposits to total assets | 79.8790% | 5,410 |
| Equity capital to assets | 12.7343% | 1,867 |
| Core capital (leverage) ratio | 12.1117% | 1,850 |
| Tier 1 risk-based capital ratio | 16.1893% | 2,618 |
| Total risk-based capital ratio | 16.6817% | 2,814 |
| Memoranda: |
| Average total assets | $42,141,000 | 7,159 |
| Average earning assets | $39,607,500 | 7,109 |
| Average equity | $5,275,000 | 7,020 |
| Average total loans | $30,619,500 | 6,728 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.5360% | 2,781 |
| Cost of funding earning assets | 2.1175% | 5,977 |
| Net interest margin | 4.4185% | 1,629 |
| Noninterest income to average assets | 0.8879% | 2,012 |
| Noninterest expense to average assets | 4.1573% | 1,193 |
| Loan and lease loss provision to assets | 0.4525% | 3,027 |
| Net operating income to assets | 0.3284% | 5,453 |
| Return on assets (ROA) | 0.3284% | 5,275 |
| Pretax return on assets | 0.4354% | 5,171 |
| Return on Equity (ROE) | 2.6177% | 5,374 |
| Retained earnings to average equity (ytd only) | 2.6177% | 3,557 |
| Net charge-offs to loans | 0.5433% | 2,194 |
| Credit loss provision to net charge-offs | 116.2500% | 4,639 |
| Earnings coverage of net charge-offs (x) | 2.2813% | 4,939 |
| Efficiency ratio | 82.4012% | 2,251 |
| Assets per employee ($millions) | 2.6531% | 6,882 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9237% | 6,538 |
| Loan loss allowance to noncurrent loans | 66.8213% | 4,676 |
| Noncurrent assets plus other real estate owned to assets | 1.0153% | 4,289 |
| Noncurrent loans to loans | 1.3823% | 3,757 |
| Net loans and leases to total assets | 72.7703% | 3,421 |
| Net loans and leases to deposits | 89.3552% | 3,561 |
| Net loans and leases to core deposits | 96.5404% | 5,202 |
| Total domestic deposits to total assets | 81.4393% | 4,442 |
| Equity capital to assets | 12.3039% | 2,111 |
| Core capital (leverage) ratio | 11.9784% | 1,974 |
| Tier 1 risk-based capital ratio | 16.6924% | 2,419 |
| Total risk-based capital ratio | 17.6391% | 2,463 |
| Memoranda: |
| Average total assets | $41,108,800 | 7,164 |
| Average earning assets | $38,678,200 | 7,103 |
| Average equity | $5,157,200 | 7,096 |
| Average total loans | $29,451,000 | 6,745 |
