| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8514% | 5,705 |
| Cost of funding earning assets | 0.5597% | 4,727 |
| Net interest margin | 3.2918% | 5,267 |
| Noninterest income to average assets | 0.6155% | 3,199 |
| Noninterest expense to average assets | 3.1265% | 2,853 |
| Loan and lease loss provision to assets | 1.4977% | 214 |
| Net operating income to assets | -1.0192% | 6,750 |
| Return on assets (ROA) | -0.8266% | 6,705 |
| Pretax return on assets | -0.8786% | 6,699 |
| Return on Equity (ROE) | -9.7086% | 6,714 |
| Retained earnings to average equity (ytd only) | -10.4111% | 6,653 |
| Net charge-offs to loans | 0.8970% | 1,270 |
| Credit loss provision to net charge-offs | 272.8188% | 885 |
| Earnings coverage of net charge-offs (x) | 0.7545% | 5,101 |
| Efficiency ratio | 87.0804% | 1,325 |
| Assets per employee ($millions) | 4.0047% | 3,937 |
| Cash dividends to net income (ytd only)* | -7.2354% | 7,023 |
| Condition Ratios (%) |
| Loss allowance to loans | 5.2975% | 109 |
| Loan loss allowance to noncurrent loans | 38.3879% | 5,696 |
| Noncurrent assets plus other real estate owned to assets | 11.1542% | 177 |
| Noncurrent loans to loans | 13.7998% | 108 |
| Net loans and leases to total assets | 56.5255% | 4,202 |
| Net loans and leases to deposits | 62.4337% | 4,735 |
| Net loans and leases to core deposits | 67.3148% | 4,613 |
| Total domestic deposits to total assets | 90.5368% | 688 |
| Equity capital to assets | 8.2945% | 6,205 |
| Core capital (leverage) ratio | 8.0326% | 6,164 |
| Tier 1 risk-based capital ratio | 11.9925% | 5,796 |
| Total risk-based capital ratio | 13.2854% | 5,720 |
| Memoranda: |
| Average total assets | $1,989,733,600 | 355 |
| Average earning assets | $1,768,176,000 | 353 |
| Average equity | $169,406,400 | 440 |
| Average total loans | $1,217,749,600 | 360 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9319% | 5,711 |
| Cost of funding earning assets | 0.5928% | 4,722 |
| Net interest margin | 3.3391% | 5,251 |
| Noninterest income to average assets | 0.5531% | 3,588 |
| Noninterest expense to average assets | 3.2431% | 2,442 |
| Loan and lease loss provision to assets | 1.7825% | 159 |
| Net operating income to assets | -1.4241% | 6,953 |
| Return on assets (ROA) | -1.2303% | 6,934 |
| Pretax return on assets | -1.3006% | 6,925 |
| Return on Equity (ROE) | -14.3616% | 6,926 |
| Retained earnings to average equity (ytd only) | -15.2855% | 6,914 |
| Net charge-offs to loans | 1.2447% | 770 |
| Credit loss provision to net charge-offs | 232.6187% | 1,192 |
| Earnings coverage of net charge-offs (x) | 0.3626% | 5,147 |
| Efficiency ratio | 90.8304% | 978 |
| Assets per employee ($millions) | 4.0411% | 3,784 |
| Cash dividends to net income (ytd only)* | -6.4331% | 7,126 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.8491% | 161 |
| Loan loss allowance to noncurrent loans | 39.9162% | 5,654 |
| Noncurrent assets plus other real estate owned to assets | 10.0633% | 241 |
| Noncurrent loans to loans | 12.1483% | 164 |
| Net loans and leases to total assets | 57.3842% | 4,222 |
| Net loans and leases to deposits | 63.2972% | 4,801 |
| Net loans and leases to core deposits | 68.5702% | 4,662 |
| Total domestic deposits to total assets | 90.6584% | 535 |
| Equity capital to assets | 8.1237% | 6,528 |
| Core capital (leverage) ratio | 7.7327% | 6,504 |
| Tier 1 risk-based capital ratio | 11.5598% | 6,197 |
| Total risk-based capital ratio | 12.8481% | 6,145 |
| Memoranda: |
| Average total assets | $2,004,604,500 | 356 |
| Average earning assets | $1,781,690,000 | 352 |
| Average equity | $171,731,750 | 435 |
| Average total loans | $1,234,157,750 | 360 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0453% | 5,499 |
| Cost of funding earning assets | 0.6243% | 4,683 |
| Net interest margin | 3.4209% | 5,002 |
| Noninterest income to average assets | 0.7992% | 2,183 |
| Noninterest expense to average assets | 3.3934% | 2,044 |
| Loan and lease loss provision to assets | 1.7144% | 197 |
| Net operating income to assets | -1.1446% | 6,940 |
| Return on assets (ROA) | -0.9702% | 6,920 |
| Pretax return on assets | -1.0749% | 6,919 |
| Return on Equity (ROE) | -11.1381% | 6,924 |
| Retained earnings to average equity (ytd only) | -12.4919% | 6,901 |
| Net charge-offs to loans | 1.1038% | 986 |
| Credit loss provision to net charge-offs | 250.6157% | 1,147 |
| Earnings coverage of net charge-offs (x) | 0.6515% | 4,735 |
| Efficiency ratio | 87.2273% | 1,316 |
| Assets per employee ($millions) | 3.8825% | 4,116 |
| Cash dividends to net income (ytd only)* | -12.1553% | 7,199 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.3124% | 268 |
| Loan loss allowance to noncurrent loans | 48.8492% | 5,180 |
| Noncurrent assets plus other real estate owned to assets | 8.3545% | 401 |
| Noncurrent loans to loans | 8.8280% | 358 |
| Net loans and leases to total assets | 58.4333% | 4,096 |
| Net loans and leases to deposits | 64.7961% | 4,665 |
| Net loans and leases to core deposits | 70.4990% | 4,470 |
| Total domestic deposits to total assets | 90.1803% | 825 |
| Equity capital to assets | 8.4712% | 6,239 |
| Core capital (leverage) ratio | 8.0177% | 6,257 |
| Tier 1 risk-based capital ratio | 11.7744% | 6,074 |
| Total risk-based capital ratio | 13.0563% | 6,028 |
| Memoranda: |
| Average total assets | $2,018,150,670 | 354 |
| Average earning assets | $1,793,313,000 | 353 |
| Average equity | $175,793,670 | 428 |
| Average total loans | $1,250,729,670 | 355 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1044% | 5,439 |
| Cost of funding earning assets | 0.6405% | 4,820 |
| Net interest margin | 3.4639% | 4,855 |
| Noninterest income to average assets | 0.7990% | 2,172 |
| Noninterest expense to average assets | 3.1942% | 2,620 |
| Loan and lease loss provision to assets | 0.7096% | 736 |
| Net operating income to assets | -0.0256% | 6,452 |
| Return on assets (ROA) | 0.2249% | 6,051 |
| Pretax return on assets | 0.2304% | 6,131 |
| Return on Equity (ROE) | 2.5474% | 5,884 |
| Retained earnings to average equity (ytd only) | 2.3018% | 5,108 |
| Net charge-offs to loans | 0.8434% | 1,215 |
| Credit loss provision to net charge-offs | 134.7810% | 1,821 |
| Earnings coverage of net charge-offs (x) | 1.2999% | 3,681 |
| Efficiency ratio | 81.2074% | 2,053 |
| Assets per employee ($millions) | 3.8149% | 4,391 |
| Cash dividends to net income (ytd only)* | 9.6407% | 2,565 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.4290% | 564 |
| Loan loss allowance to noncurrent loans | 42.8000% | 5,462 |
| Noncurrent assets plus other real estate owned to assets | 7.9993% | 477 |
| Noncurrent loans to loans | 8.0117% | 484 |
| Net loans and leases to total assets | 60.1270% | 3,638 |
| Net loans and leases to deposits | 67.7326% | 4,109 |
| Net loans and leases to core deposits | 73.4662% | 3,966 |
| Total domestic deposits to total assets | 88.7711% | 1,836 |
| Equity capital to assets | 8.8472% | 5,700 |
| Core capital (leverage) ratio | 8.5627% | 5,493 |
| Tier 1 risk-based capital ratio | 12.2608% | 5,787 |
| Total risk-based capital ratio | 13.5330% | 5,733 |
| Memoranda: |
| Average total assets | $2,029,425,500 | 348 |
| Average earning assets | $1,804,202,500 | 350 |
| Average equity | $179,165,000 | 416 |
| Average total loans | $1,266,770,000 | 347 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2944% | 5,780 |
| Cost of funding earning assets | 0.8727% | 4,304 |
| Net interest margin | 3.4217% | 5,422 |
| Noninterest income to average assets | -0.7396% | 7,299 |
| Noninterest expense to average assets | 2.7508% | 4,548 |
| Loan and lease loss provision to assets | 1.5068% | 488 |
| Net operating income to assets | -2.1591% | 7,052 |
| Return on assets (ROA) | -1.9872% | 7,034 |
| Pretax return on assets | -1.8034% | 6,978 |
| Return on Equity (ROE) | -19.8755% | 6,983 |
| Retained earnings to average equity (ytd only) | -20.8615% | 6,980 |
| Net charge-offs to loans | 2.8490% | 364 |
| Credit loss provision to net charge-offs | 84.7525% | 4,250 |
| Earnings coverage of net charge-offs (x) | -0.2635% | 5,990 |
| Efficiency ratio | 118.2390% | 321 |
| Assets per employee ($millions) | 3.7792% | 4,371 |
| Cash dividends to net income (ytd only)* | -4.9606% | 7,260 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.3010% | 621 |
| Loan loss allowance to noncurrent loans | 43.5316% | 5,400 |
| Noncurrent assets plus other real estate owned to assets | 7.5573% | 574 |
| Noncurrent loans to loans | 7.5831% | 548 |
| Net loans and leases to total assets | 60.5108% | 3,888 |
| Net loans and leases to deposits | 68.1245% | 4,428 |
| Net loans and leases to core deposits | 73.9578% | 4,247 |
| Total domestic deposits to total assets | 88.8239% | 1,650 |
| Equity capital to assets | 8.8098% | 5,783 |
| Core capital (leverage) ratio | 8.1852% | 6,030 |
| Tier 1 risk-based capital ratio | 11.9798% | 5,846 |
| Total risk-based capital ratio | 13.2507% | 5,808 |
| Memoranda: |
| Average total assets | $2,130,369,400 | 322 |
| Average earning assets | $1,881,440,800 | 330 |
| Average equity | $212,995,600 | 329 |
| Average total loans | $1,329,429,000 | 329 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3140% | 5,900 |
| Cost of funding earning assets | 0.9136% | 4,311 |
| Net interest margin | 3.4004% | 5,568 |
| Noninterest income to average assets | 0.6507% | 2,878 |
| Noninterest expense to average assets | 2.6693% | 4,843 |
| Loan and lease loss provision to assets | 0.8980% | 996 |
| Net operating income to assets | 0.0637% | 6,039 |
| Return on assets (ROA) | 0.1771% | 5,883 |
| Pretax return on assets | 0.2299% | 5,846 |
| Return on Equity (ROE) | 1.7231% | 5,863 |
| Retained earnings to average equity (ytd only) | 0.8194% | 5,684 |
| Net charge-offs to loans | 1.9181% | 679 |
| Credit loss provision to net charge-offs | 75.0751% | 4,312 |
| Earnings coverage of net charge-offs (x) | 0.8195% | 5,000 |
| Efficiency ratio | 71.6531% | 3,628 |
| Assets per employee ($millions) | 3.8839% | 4,112 |
| Cash dividends to net income (ytd only)* | 52.4475% | 1,487 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.2980% | 662 |
| Loan loss allowance to noncurrent loans | 40.4190% | 5,595 |
| Noncurrent assets plus other real estate owned to assets | 9.2859% | 413 |
| Noncurrent loans to loans | 8.1595% | 533 |
| Net loans and leases to total assets | 59.7268% | 4,181 |
| Net loans and leases to deposits | 68.5777% | 4,509 |
| Net loans and leases to core deposits | 74.6937% | 4,354 |
| Total domestic deposits to total assets | 87.0937% | 2,598 |
| Equity capital to assets | 10.5968% | 3,576 |
| Core capital (leverage) ratio | 10.2411% | 3,140 |
| Tier 1 risk-based capital ratio | 14.7384% | 3,812 |
| Total risk-based capital ratio | 16.0090% | 3,777 |
| Memoranda: |
| Average total assets | $2,152,766,750 | 325 |
| Average earning assets | $1,898,589,250 | 325 |
| Average equity | $221,297,500 | 326 |
| Average total loans | $1,342,524,000 | 327 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3078% | 6,001 |
| Cost of funding earning assets | 0.9532% | 4,291 |
| Net interest margin | 3.3546% | 5,698 |
| Noninterest income to average assets | 0.7214% | 2,431 |
| Noninterest expense to average assets | 2.7114% | 4,774 |
| Loan and lease loss provision to assets | 0.7853% | 1,178 |
| Net operating income to assets | 0.1411% | 5,910 |
| Return on assets (ROA) | 0.2359% | 5,728 |
| Pretax return on assets | 0.3104% | 5,648 |
| Return on Equity (ROE) | 2.3178% | 5,671 |
| Retained earnings to average equity (ytd only) | 2.3178% | 4,812 |
| Net charge-offs to loans | 2.3854% | 519 |
| Credit loss provision to net charge-offs | 52.6251% | 4,520 |
| Earnings coverage of net charge-offs (x) | 0.6505% | 4,811 |
| Efficiency ratio | 72.1716% | 3,701 |
| Assets per employee ($millions) | 3.9413% | 3,890 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.0442% | 858 |
| Loan loss allowance to noncurrent loans | 37.4608% | 5,805 |
| Noncurrent assets plus other real estate owned to assets | 9.0479% | 464 |
| Noncurrent loans to loans | 8.1263% | 549 |
| Net loans and leases to total assets | 59.5057% | 4,373 |
| Net loans and leases to deposits | 68.1493% | 4,683 |
| Net loans and leases to core deposits | 75.7207% | 4,352 |
| Total domestic deposits to total assets | 87.3167% | 2,560 |
| Equity capital to assets | 10.3902% | 3,645 |
| Core capital (leverage) ratio | 10.0784% | 3,167 |
| Tier 1 risk-based capital ratio | 14.6453% | 3,701 |
| Total risk-based capital ratio | 15.9132% | 3,659 |
| Memoranda: |
| Average total assets | $2,164,777,330 | 328 |
| Average earning assets | $1,910,609,670 | 327 |
| Average equity | $220,294,330 | 329 |
| Average total loans | $1,354,240,000 | 331 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2675% | 6,104 |
| Cost of funding earning assets | 0.9854% | 4,305 |
| Net interest margin | 3.2821% | 5,835 |
| Noninterest income to average assets | 0.7529% | 2,247 |
| Noninterest expense to average assets | 2.7715% | 4,556 |
| Loan and lease loss provision to assets | 0.6454% | 1,333 |
| Net operating income to assets | 0.1944% | 5,800 |
| Return on assets (ROA) | 0.2676% | 5,611 |
| Pretax return on assets | 0.3240% | 5,583 |
| Return on Equity (ROE) | 2.6570% | 5,541 |
| Retained earnings to average equity (ytd only) | 2.6570% | 4,573 |
| Net charge-offs to loans | 1.6703% | 795 |
| Credit loss provision to net charge-offs | 61.1888% | 3,528 |
| Earnings coverage of net charge-offs (x) | 0.8353% | 4,013 |
| Efficiency ratio | 74.4043% | 3,443 |
| Assets per employee ($millions) | 3.9974% | 3,841 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.3703% | 675 |
| Loan loss allowance to noncurrent loans | 41.5906% | 5,532 |
| Noncurrent assets plus other real estate owned to assets | 8.9435% | 484 |
| Noncurrent loans to loans | 8.1035% | 606 |
| Net loans and leases to total assets | 60.0465% | 4,255 |
| Net loans and leases to deposits | 69.2504% | 4,483 |
| Net loans and leases to core deposits | 76.8186% | 4,191 |
| Total domestic deposits to total assets | 86.7092% | 3,114 |
| Equity capital to assets | 10.0307% | 3,738 |
| Core capital (leverage) ratio | 10.0240% | 3,116 |
| Tier 1 risk-based capital ratio | 14.2474% | 3,910 |
| Total risk-based capital ratio | 15.5191% | 3,853 |
| Memoranda: |
| Average total assets | $2,169,227,000 | 327 |
| Average earning assets | $1,916,456,500 | 326 |
| Average equity | $218,441,500 | 331 |
| Average total loans | $1,369,785,500 | 330 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6426% | 5,980 |
| Cost of funding earning assets | 1.1942% | 4,593 |
| Net interest margin | 3.4483% | 5,439 |
| Noninterest income to average assets | 0.7258% | 2,671 |
| Noninterest expense to average assets | 2.9166% | 4,156 |
| Loan and lease loss provision to assets | 0.5952% | 2,756 |
| Net operating income to assets | 0.1860% | 5,316 |
| Return on assets (ROA) | 0.2698% | 5,197 |
| Pretax return on assets | 0.3629% | 5,050 |
| Return on Equity (ROE) | 2.5333% | 5,165 |
| Retained earnings to average equity (ytd only) | -0.1926% | 5,645 |
| Net charge-offs to loans | 0.7216% | 2,852 |
| Credit loss provision to net charge-offs | 119.7197% | 3,531 |
| Earnings coverage of net charge-offs (x) | 1.6986% | 4,453 |
| Efficiency ratio | 74.7240% | 3,249 |
| Assets per employee ($millions) | 3.9269% | 3,949 |
| Cash dividends to net income (ytd only)* | 107.6040% | 313 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.4650% | 605 |
| Loan loss allowance to noncurrent loans | 46.4970% | 5,220 |
| Noncurrent assets plus other real estate owned to assets | 8.6046% | 541 |
| Noncurrent loans to loans | 7.4521% | 727 |
| Net loans and leases to total assets | 61.9408% | 4,300 |
| Net loans and leases to deposits | 71.5317% | 4,604 |
| Net loans and leases to core deposits | 80.7007% | 4,105 |
| Total domestic deposits to total assets | 86.5921% | 3,034 |
| Equity capital to assets | 10.1099% | 3,603 |
| Core capital (leverage) ratio | 9.9301% | 3,164 |
| Tier 1 risk-based capital ratio | 13.9119% | 3,922 |
| Total risk-based capital ratio | 15.1847% | 3,879 |
| Memoranda: |
| Average total assets | $2,066,648,000 | 339 |
| Average earning assets | $1,819,064,400 | 340 |
| Average equity | $220,106,600 | 322 |
| Average total loans | $1,423,688,000 | 329 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7047% | 5,999 |
| Cost of funding earning assets | 1.2068% | 4,830 |
| Net interest margin | 3.4979% | 5,298 |
| Noninterest income to average assets | 0.7837% | 2,310 |
| Noninterest expense to average assets | 2.9416% | 3,940 |
| Loan and lease loss provision to assets | 0.6065% | 2,511 |
| Net operating income to assets | 0.2050% | 5,496 |
| Return on assets (ROA) | 0.2720% | 5,435 |
| Pretax return on assets | 0.4138% | 5,179 |
| Return on Equity (ROE) | 2.5198% | 5,422 |
| Retained earnings to average equity (ytd only) | 0.1027% | 5,736 |
| Net charge-offs to loans | 0.7234% | 2,615 |
| Credit loss provision to net charge-offs | 119.5526% | 3,454 |
| Earnings coverage of net charge-offs (x) | 1.8103% | 4,352 |
| Efficiency ratio | 73.3311% | 3,456 |
| Assets per employee ($millions) | 3.9374% | 3,961 |
| Cash dividends to net income (ytd only)* | 95.9233% | 391 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.3977% | 579 |
| Loan loss allowance to noncurrent loans | 45.8617% | 5,211 |
| Noncurrent assets plus other real estate owned to assets | 8.5829% | 555 |
| Noncurrent loans to loans | 7.4086% | 730 |
| Net loans and leases to total assets | 62.6062% | 4,406 |
| Net loans and leases to deposits | 72.4770% | 4,763 |
| Net loans and leases to core deposits | 82.2693% | 4,206 |
| Total domestic deposits to total assets | 86.3808% | 2,867 |
| Equity capital to assets | 10.3397% | 3,717 |
| Core capital (leverage) ratio | 10.2729% | 2,952 |
| Tier 1 risk-based capital ratio | 13.8076% | 3,976 |
| Total risk-based capital ratio | 15.0797% | 3,925 |
| Memoranda: |
| Average total assets | $2,044,346,000 | 338 |
| Average earning assets | $1,797,896,250 | 342 |
| Average equity | $220,644,750 | 316 |
| Average total loans | $1,433,788,500 | 331 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7836% | 5,848 |
| Cost of funding earning assets | 1.2346% | 4,930 |
| Net interest margin | 3.5490% | 5,052 |
| Noninterest income to average assets | 0.8099% | 2,069 |
| Noninterest expense to average assets | 3.0294% | 3,601 |
| Loan and lease loss provision to assets | 0.5877% | 2,430 |
| Net operating income to assets | 0.2071% | 5,536 |
| Return on assets (ROA) | 0.2914% | 5,366 |
| Pretax return on assets | 0.4428% | 5,084 |
| Return on Equity (ROE) | 2.6596% | 5,397 |
| Retained earnings to average equity (ytd only) | -0.9774% | 5,965 |
| Net charge-offs to loans | 0.4013% | 3,375 |
| Credit loss provision to net charge-offs | 203.3081% | 1,922 |
| Earnings coverage of net charge-offs (x) | 3.1213% | 3,440 |
| Efficiency ratio | 74.1785% | 3,443 |
| Assets per employee ($millions) | 3.7222% | 4,407 |
| Cash dividends to net income (ytd only)* | 136.7521% | 213 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.4400% | 577 |
| Loan loss allowance to noncurrent loans | 45.4345% | 5,288 |
| Noncurrent assets plus other real estate owned to assets | 8.7488% | 517 |
| Noncurrent loans to loans | 7.5713% | 706 |
| Net loans and leases to total assets | 66.8089% | 3,665 |
| Net loans and leases to deposits | 77.8064% | 4,013 |
| Net loans and leases to core deposits | 88.5811% | 3,470 |
| Total domestic deposits to total assets | 85.8656% | 3,170 |
| Equity capital to assets | 10.7371% | 3,141 |
| Core capital (leverage) ratio | 10.3973% | 2,714 |
| Tier 1 risk-based capital ratio | 13.5356% | 4,044 |
| Total risk-based capital ratio | 14.8085% | 4,001 |
| Memoranda: |
| Average total assets | $2,007,870,670 | 344 |
| Average earning assets | $1,766,113,330 | 349 |
| Average equity | $219,961,670 | 317 |
| Average total loans | $1,446,444,330 | 330 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7909% | 5,920 |
| Cost of funding earning assets | 1.2502% | 5,110 |
| Net interest margin | 3.5408% | 4,988 |
| Noninterest income to average assets | 0.8903% | 1,666 |
| Noninterest expense to average assets | 3.1257% | 3,155 |
| Loan and lease loss provision to assets | 0.5745% | 2,196 |
| Net operating income to assets | 0.2049% | 5,667 |
| Return on assets (ROA) | 0.3152% | 5,359 |
| Pretax return on assets | 0.4749% | 5,048 |
| Return on Equity (ROE) | 2.8483% | 5,406 |
| Retained earnings to average equity (ytd only) | -0.7940% | 6,011 |
| Net charge-offs to loans | 0.2640% | 3,355 |
| Credit loss provision to net charge-offs | 295.9502% | 1,340 |
| Earnings coverage of net charge-offs (x) | 4.5421% | 2,609 |
| Efficiency ratio | 75.1471% | 3,368 |
| Assets per employee ($millions) | 3.6705% | 4,649 |
| Cash dividends to net income (ytd only)* | 127.8772% | 400 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.2980% | 636 |
| Loan loss allowance to noncurrent loans | 39.9803% | 5,699 |
| Noncurrent assets plus other real estate owned to assets | 8.7584% | 522 |
| Noncurrent loans to loans | 8.2490% | 641 |
| Net loans and leases to total assets | 69.1649% | 3,119 |
| Net loans and leases to deposits | 80.6813% | 3,518 |
| Net loans and leases to core deposits | 92.3461% | 3,065 |
| Total domestic deposits to total assets | 85.7261% | 3,296 |
| Equity capital to assets | 10.8400% | 2,913 |
| Core capital (leverage) ratio | 10.7385% | 2,426 |
| Tier 1 risk-based capital ratio | 13.3900% | 4,053 |
| Total risk-based capital ratio | 14.6615% | 3,998 |
| Memoranda: |
| Average total assets | $1,984,472,000 | 359 |
| Average earning assets | $1,746,974,500 | 368 |
| Average equity | $219,636,500 | 322 |
| Average total loans | $1,458,864,500 | 335 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8135% | 6,921 |
| Cost of funding earning assets | 1.6670% | 4,691 |
| Net interest margin | 3.1465% | 6,238 |
| Noninterest income to average assets | 0.3183% | 5,807 |
| Noninterest expense to average assets | 7.8387% | 154 |
| Loan and lease loss provision to assets | 1.8115% | 1,244 |
| Net operating income to assets | -5.8840% | 7,832 |
| Return on assets (ROA) | -5.7339% | 7,811 |
| Pretax return on assets | -6.4261% | 7,833 |
| Return on Equity (ROE) | -45.3821% | 7,631 |
| Retained earnings to average equity (ytd only) | -46.1494% | 7,629 |
| Net charge-offs to loans | 1.4712% | 1,706 |
| Credit loss provision to net charge-offs | 168.7130% | 2,544 |
| Earnings coverage of net charge-offs (x) | -4.4552% | 7,095 |
| Efficiency ratio | 97.7172% | 1,228 |
| Assets per employee ($millions) | 3.4387% | 5,160 |
| Cash dividends to net income (ytd only)* | -1.6905% | 7,418 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.1258% | 694 |
| Loan loss allowance to noncurrent loans | 39.9741% | 5,746 |
| Noncurrent assets plus other real estate owned to assets | 8.5968% | 484 |
| Noncurrent loans to loans | 7.8196% | 657 |
| Net loans and leases to total assets | 73.2267% | 2,441 |
| Net loans and leases to deposits | 86.0308% | 2,909 |
| Net loans and leases to core deposits | 116.5420% | 2,262 |
| Total domestic deposits to total assets | 85.1169% | 3,502 |
| Equity capital to assets | 11.3052% | 2,462 |
| Core capital (leverage) ratio | 10.7236% | 2,406 |
| Tier 1 risk-based capital ratio | 13.1394% | 4,055 |
| Total risk-based capital ratio | 14.4089% | 3,991 |
| Memoranda: |
| Average total assets | $2,063,260,000 | 344 |
| Average earning assets | $1,794,674,600 | 354 |
| Average equity | $260,686,200 | 278 |
| Average total loans | $1,505,797,800 | 336 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7481% | 7,209 |
| Cost of funding earning assets | 1.7580% | 4,601 |
| Net interest margin | 2.9901% | 6,631 |
| Noninterest income to average assets | 0.1411% | 7,172 |
| Noninterest expense to average assets | 9.2886% | 112 |
| Loan and lease loss provision to assets | 2.2212% | 776 |
| Net operating income to assets | -7.8466% | 8,006 |
| Return on assets (ROA) | -7.6792% | 7,999 |
| Pretax return on assets | -8.5846% | 8,014 |
| Return on Equity (ROE) | -59.3302% | 7,889 |
| Retained earnings to average equity (ytd only) | -60.3129% | 7,890 |
| Net charge-offs to loans | 1.5537% | 1,320 |
| Credit loss provision to net charge-offs | 197.5361% | 2,272 |
| Earnings coverage of net charge-offs (x) | -5.8263% | 6,867 |
| Efficiency ratio | 107.7213% | 815 |
| Assets per employee ($millions) | 3.4541% | 5,037 |
| Cash dividends to net income (ytd only)* | -1.6563% | 7,631 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.2015% | 561 |
| Loan loss allowance to noncurrent loans | 44.7011% | 5,335 |
| Noncurrent assets plus other real estate owned to assets | 7.7312% | 568 |
| Noncurrent loans to loans | 7.1621% | 745 |
| Net loans and leases to total assets | 71.3115% | 3,195 |
| Net loans and leases to deposits | 83.2559% | 3,785 |
| Net loans and leases to core deposits | 113.0784% | 2,926 |
| Total domestic deposits to total assets | 85.6534% | 2,884 |
| Equity capital to assets | 10.7680% | 3,229 |
| Core capital (leverage) ratio | 10.1715% | 3,091 |
| Tier 1 risk-based capital ratio | 12.7318% | 4,366 |
| Total risk-based capital ratio | 14.0022% | 4,297 |
| Memoranda: |
| Average total assets | $2,093,363,750 | 350 |
| Average earning assets | $1,817,380,500 | 361 |
| Average equity | $270,947,000 | 282 |
| Average total loans | $1,515,100,500 | 348 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7436% | 7,330 |
| Cost of funding earning assets | 1.8303% | 4,604 |
| Net interest margin | 2.9133% | 6,770 |
| Noninterest income to average assets | -0.1763% | 8,060 |
| Noninterest expense to average assets | 12.3060% | 91 |
| Loan and lease loss provision to assets | 3.1360% | 476 |
| Net operating income to assets | -11.7113% | 8,148 |
| Return on assets (ROA) | -11.5179% | 8,139 |
| Pretax return on assets | -12.8924% | 8,143 |
| Return on Equity (ROE) | -84.4438% | 8,048 |
| Retained earnings to average equity (ytd only) | -85.8302% | 8,051 |
| Net charge-offs to loans | 1.9489% | 954 |
| Credit loss provision to net charge-offs | 223.6088% | 2,055 |
| Earnings coverage of net charge-offs (x) | -7.1116% | 6,492 |
| Efficiency ratio | 126.6540% | 558 |
| Assets per employee ($millions) | 3.4847% | 4,851 |
| Cash dividends to net income (ytd only)* | -1.6419% | 7,757 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.2708% | 459 |
| Loan loss allowance to noncurrent loans | 43.1838% | 5,486 |
| Noncurrent assets plus other real estate owned to assets | 7.9863% | 475 |
| Noncurrent loans to loans | 7.5742% | 610 |
| Net loans and leases to total assets | 70.0180% | 3,706 |
| Net loans and leases to deposits | 81.4195% | 4,313 |
| Net loans and leases to core deposits | 111.1547% | 3,239 |
| Total domestic deposits to total assets | 85.9966% | 2,796 |
| Equity capital to assets | 10.4630% | 3,450 |
| Core capital (leverage) ratio | 9.5962% | 3,766 |
| Tier 1 risk-based capital ratio | 12.5738% | 4,460 |
| Total risk-based capital ratio | 13.8448% | 4,369 |
| Memoranda: |
| Average total assets | $2,114,142,670 | 354 |
| Average earning assets | $1,820,425,670 | 368 |
| Average equity | $288,362,330 | 273 |
| Average total loans | $1,521,381,330 | 358 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8607% | 7,263 |
| Cost of funding earning assets | 1.8916% | 4,668 |
| Net interest margin | 2.9691% | 6,558 |
| Noninterest income to average assets | 0.5348% | 4,025 |
| Noninterest expense to average assets | 2.7282% | 4,885 |
| Loan and lease loss provision to assets | 2.0784% | 571 |
| Net operating income to assets | -1.0898% | 7,303 |
| Return on assets (ROA) | -0.8153% | 7,169 |
| Pretax return on assets | -1.3244% | 7,313 |
| Return on Equity (ROE) | -5.3711% | 7,005 |
| Retained earnings to average equity (ytd only) | -5.3711% | 6,605 |
| Net charge-offs to loans | 1.0205% | 1,321 |
| Credit loss provision to net charge-offs | 283.8149% | 1,699 |
| Earnings coverage of net charge-offs (x) | 0.4431% | 4,636 |
| Efficiency ratio | 85.1561% | 2,175 |
| Assets per employee ($millions) | 3.6034% | 4,558 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4721% | 789 |
| Loan loss allowance to noncurrent loans | 35.0644% | 6,211 |
| Noncurrent assets plus other real estate owned to assets | 7.2379% | 453 |
| Noncurrent loans to loans | 7.0501% | 568 |
| Net loans and leases to total assets | 68.4235% | 4,039 |
| Net loans and leases to deposits | 84.2624% | 3,939 |
| Net loans and leases to core deposits | 116.9099% | 2,688 |
| Total domestic deposits to total assets | 81.2029% | 4,889 |
| Equity capital to assets | 15.3962% | 988 |
| Core capital (leverage) ratio | 11.2791% | 2,290 |
| Tier 1 risk-based capital ratio | 13.6443% | 3,771 |
| Total risk-based capital ratio | 14.9066% | 3,681 |
| Memoranda: |
| Average total assets | $2,136,245,000 | 351 |
| Average earning assets | $1,811,581,500 | 372 |
| Average equity | $324,254,500 | 249 |
| Average total loans | $1,532,903,500 | 355 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.9294% | 5,902 |
| Cost of funding earning assets | 2.3324% | 5,000 |
| Net interest margin | 3.5970% | 4,905 |
| Noninterest income to average assets | 0.9369% | 1,825 |
| Noninterest expense to average assets | 2.8303% | 4,695 |
| Loan and lease loss provision to assets | 0.7050% | 2,089 |
| Net operating income to assets | 0.2968% | 5,560 |
| Return on assets (ROA) | 0.3026% | 5,352 |
| Pretax return on assets | 0.4520% | 5,118 |
| Return on Equity (ROE) | 2.0798% | 5,592 |
| Retained earnings to average equity (ytd only) | -0.6196% | 5,479 |
| Net charge-offs to loans | 0.5116% | 2,307 |
| Credit loss provision to net charge-offs | 190.6070% | 2,584 |
| Earnings coverage of net charge-offs (x) | 3.1049% | 4,538 |
| Efficiency ratio | 67.0700% | 4,895 |
| Assets per employee ($millions) | 3.3637% | 5,053 |
| Cash dividends to net income (ytd only)* | 129.7908% | 592 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0004% | 1,220 |
| Loan loss allowance to noncurrent loans | 42.3220% | 5,906 |
| Noncurrent assets plus other real estate owned to assets | 5.9076% | 518 |
| Noncurrent loans to loans | 4.7267% | 979 |
| Net loans and leases to total assets | 71.9597% | 3,596 |
| Net loans and leases to deposits | 88.5953% | 3,706 |
| Net loans and leases to core deposits | 118.5124% | 2,833 |
| Total domestic deposits to total assets | 81.2229% | 4,548 |
| Equity capital to assets | 14.9514% | 1,171 |
| Core capital (leverage) ratio | 10.3596% | 3,111 |
| Tier 1 risk-based capital ratio | 11.9694% | 4,846 |
| Total risk-based capital ratio | 13.2262% | 4,729 |
| Memoranda: |
| Average total assets | $2,164,577,800 | 336 |
| Average earning assets | $1,830,458,000 | 355 |
| Average equity | $314,892,000 | 260 |
| Average total loans | $1,564,809,000 | 341 |
