| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3442% | 2,409 |
| Cost of funding earning assets | 0.6231% | 1,705 |
| Net interest margin | 3.7211% | 2,873 |
| Noninterest income to average assets | 0.5344% | 3,239 |
| Noninterest expense to average assets | 4.3621% | 521 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | -0.5446% | 6,444 |
| Return on assets (ROA) | -0.5446% | 6,447 |
| Pretax return on assets | -0.5446% | 6,433 |
| Return on Equity (ROE) | -7.5536% | 6,485 |
| Retained earnings to average equity (ytd only) | -7.5536% | 6,356 |
| Net charge-offs to loans | 0.7869% | 483 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | -1.2171% | 4,216 |
| Efficiency ratio | 114.2666% | 190 |
| Assets per employee ($millions) | 3.2502% | 5,338 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8989% | 1,591 |
| Loan loss allowance to noncurrent loans | 180.2632% | 2,336 |
| Noncurrent assets plus other real estate owned to assets | 1.4204% | 2,298 |
| Noncurrent loans to loans | 1.0534% | 3,120 |
| Net loans and leases to total assets | 54.4414% | 4,489 |
| Net loans and leases to deposits | 71.8902% | 3,583 |
| Net loans and leases to core deposits | 74.0837% | 3,828 |
| Total domestic deposits to total assets | 75.7285% | 5,947 |
| Equity capital to assets | 7.2983% | 6,389 |
| Core capital (leverage) ratio | 5.1096% | 6,583 |
| Tier 1 risk-based capital ratio | 8.0056% | 6,568 |
| Total risk-based capital ratio | 9.2604% | 6,570 |
| Memoranda: |
| Average total assets | $78,220,000 | 5,203 |
| Average earning assets | $69,012,330 | 5,241 |
| Average equity | $5,639,670 | 5,798 |
| Average total loans | $44,476,000 | 5,102 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3723% | 2,262 |
| Cost of funding earning assets | 0.6379% | 1,665 |
| Net interest margin | 3.7344% | 2,729 |
| Noninterest income to average assets | 0.5056% | 3,368 |
| Noninterest expense to average assets | 3.7177% | 1,105 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.0766% | 6,076 |
| Return on assets (ROA) | 0.0766% | 6,100 |
| Pretax return on assets | 0.0766% | 6,111 |
| Return on Equity (ROE) | 1.0689% | 6,024 |
| Retained earnings to average equity (ytd only) | 1.0689% | 5,172 |
| Net charge-offs to loans | 0.5325% | 692 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 0.2500% | 3,388 |
| Efficiency ratio | 97.9812% | 546 |
| Assets per employee ($millions) | 3.1190% | 5,654 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1093% | 1,305 |
| Loan loss allowance to noncurrent loans | 1,102.3529% | 472 |
| Noncurrent assets plus other real estate owned to assets | 0.9606% | 3,329 |
| Noncurrent loans to loans | 0.1913% | 5,518 |
| Net loans and leases to total assets | 55.7684% | 4,169 |
| Net loans and leases to deposits | 76.5087% | 2,755 |
| Net loans and leases to core deposits | 78.9306% | 3,100 |
| Total domestic deposits to total assets | 72.8917% | 6,312 |
| Equity capital to assets | 7.3279% | 6,368 |
| Core capital (leverage) ratio | 5.7388% | 6,613 |
| Tier 1 risk-based capital ratio | 8.2557% | 6,618 |
| Total risk-based capital ratio | 9.5127% | 6,621 |
| Memoranda: |
| Average total assets | $78,327,500 | 5,248 |
| Average earning assets | $68,980,000 | 5,292 |
| Average equity | $5,613,000 | 5,842 |
| Average total loans | $45,069,500 | 5,117 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5933% | 1,901 |
| Cost of funding earning assets | 0.7498% | 1,496 |
| Net interest margin | 3.8434% | 2,487 |
| Noninterest income to average assets | 0.5511% | 3,396 |
| Noninterest expense to average assets | 3.9179% | 963 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.0086% | 6,199 |
| Return on assets (ROA) | 0.0581% | 6,167 |
| Pretax return on assets | 0.0581% | 6,146 |
| Return on Equity (ROE) | 0.7994% | 6,114 |
| Retained earnings to average equity (ytd only) | 0.7994% | 5,478 |
| Net charge-offs to loans | 0.7004% | 921 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 0.0212% | 5,088 |
| Efficiency ratio | 99.7797% | 483 |
| Assets per employee ($millions) | 3.1472% | 5,595 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1809% | 1,204 |
| Loan loss allowance to noncurrent loans | 226.5909% | 1,898 |
| Noncurrent assets plus other real estate owned to assets | 1.0956% | 3,219 |
| Noncurrent loans to loans | 0.9625% | 3,591 |
| Net loans and leases to total assets | 56.8373% | 4,210 |
| Net loans and leases to deposits | 77.7303% | 2,759 |
| Net loans and leases to core deposits | 80.2941% | 3,097 |
| Total domestic deposits to total assets | 73.1212% | 6,345 |
| Equity capital to assets | 7.0057% | 6,455 |
| Core capital (leverage) ratio | 5.6205% | 6,681 |
| Tier 1 risk-based capital ratio | 8.0498% | 6,693 |
| Total risk-based capital ratio | 9.3075% | 6,694 |
| Memoranda: |
| Average total assets | $80,935,200 | 5,218 |
| Average earning assets | $71,082,000 | 5,281 |
| Average equity | $5,879,200 | 5,848 |
| Average total loans | $47,117,000 | 5,063 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6151% | 1,847 |
| Cost of funding earning assets | 0.7620% | 1,530 |
| Net interest margin | 3.8530% | 2,452 |
| Noninterest income to average assets | 0.5186% | 3,685 |
| Noninterest expense to average assets | 3.9280% | 931 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | -0.0262% | 6,320 |
| Return on assets (ROA) | 0.0393% | 6,290 |
| Pretax return on assets | 0.0393% | 6,273 |
| Return on Equity (ROE) | 0.5359% | 6,264 |
| Retained earnings to average equity (ytd only) | 0.5359% | 5,754 |
| Net charge-offs to loans | 0.7837% | 751 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | -0.0573% | 4,872 |
| Efficiency ratio | 100.6709% | 445 |
| Assets per employee ($millions) | 3.0899% | 5,693 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2014% | 1,323 |
| Loan loss allowance to noncurrent loans | 1,048.0000% | 451 |
| Noncurrent assets plus other real estate owned to assets | 1.5746% | 2,572 |
| Noncurrent loans to loans | 0.2101% | 5,713 |
| Net loans and leases to total assets | 57.9534% | 4,014 |
| Net loans and leases to deposits | 79.1466% | 2,520 |
| Net loans and leases to core deposits | 81.2687% | 2,967 |
| Total domestic deposits to total assets | 73.2228% | 6,421 |
| Equity capital to assets | 7.1237% | 6,515 |
| Core capital (leverage) ratio | 5.4124% | 6,763 |
| Tier 1 risk-based capital ratio | 7.7147% | 6,775 |
| Total risk-based capital ratio | 8.9710% | 6,777 |
| Memoranda: |
| Average total assets | $81,499,250 | 5,249 |
| Average earning assets | $71,561,000 | 5,316 |
| Average equity | $5,971,000 | 5,902 |
| Average total loans | $47,467,250 | 5,094 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6016% | 1,850 |
| Cost of funding earning assets | 0.7813% | 1,516 |
| Net interest margin | 3.8203% | 2,476 |
| Noninterest income to average assets | 0.5251% | 3,669 |
| Noninterest expense to average assets | 3.9591% | 906 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | -0.0782% | 6,387 |
| Return on assets (ROA) | 0.0195% | 6,352 |
| Pretax return on assets | 0.0195% | 6,331 |
| Return on Equity (ROE) | 0.2643% | 6,344 |
| Retained earnings to average equity (ytd only) | 0.2643% | 5,778 |
| Net charge-offs to loans | 1.1893% | 490 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | -0.1135% | 4,586 |
| Efficiency ratio | 102.0138% | 428 |
| Assets per employee ($millions) | 3.0333% | 5,794 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1589% | 1,515 |
| Loan loss allowance to noncurrent loans | 1,471.8310% | 343 |
| Noncurrent assets plus other real estate owned to assets | 1.7167% | 2,538 |
| Noncurrent loans to loans | 0.1467% | 5,955 |
| Net loans and leases to total assets | 57.8266% | 4,017 |
| Net loans and leases to deposits | 75.7057% | 2,921 |
| Net loans and leases to core deposits | 77.9781% | 3,292 |
| Total domestic deposits to total assets | 76.3834% | 6,213 |
| Equity capital to assets | 6.8999% | 6,620 |
| Core capital (leverage) ratio | 5.2953% | 6,808 |
| Tier 1 risk-based capital ratio | 7.5336% | 6,822 |
| Total risk-based capital ratio | 8.7916% | 6,822 |
| Memoranda: |
| Average total assets | $81,886,670 | 5,278 |
| Average earning assets | $71,931,330 | 5,337 |
| Average equity | $6,053,670 | 5,918 |
| Average total loans | $47,421,000 | 5,123 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5576% | 1,962 |
| Cost of funding earning assets | 0.7984% | 1,537 |
| Net interest margin | 3.7591% | 2,615 |
| Noninterest income to average assets | 0.5618% | 3,360 |
| Noninterest expense to average assets | 4.0059% | 882 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -0.1319% | 6,468 |
| Return on assets (ROA) | -0.0440% | 6,451 |
| Pretax return on assets | -0.0440% | 6,440 |
| Return on Equity (ROE) | -0.5755% | 6,468 |
| Retained earnings to average equity (ytd only) | -0.5755% | 5,893 |
| Net charge-offs to loans | 1.6024% | 327 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | -0.1436% | 3,859 |
| Efficiency ratio | 103.4048% | 447 |
| Assets per employee ($millions) | 2.9330% | 6,100 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3779% | 1,280 |
| Loan loss allowance to noncurrent loans | 373.7705% | 1,090 |
| Noncurrent assets plus other real estate owned to assets | 1.8265% | 2,574 |
| Noncurrent loans to loans | 0.6362% | 4,856 |
| Net loans and leases to total assets | 56.9889% | 3,925 |
| Net loans and leases to deposits | 78.3949% | 2,287 |
| Net loans and leases to core deposits | 80.8545% | 2,711 |
| Total domestic deposits to total assets | 72.6946% | 6,624 |
| Equity capital to assets | 7.5704% | 6,567 |
| Core capital (leverage) ratio | 5.3876% | 6,854 |
| Tier 1 risk-based capital ratio | 7.6278% | 6,871 |
| Total risk-based capital ratio | 8.8884% | 6,872 |
| Memoranda: |
| Average total assets | $81,880,000 | 5,323 |
| Average earning assets | $72,144,000 | 5,384 |
| Average equity | $6,255,000 | 5,921 |
| Average total loans | $46,929,000 | 5,173 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7001% | 2,591 |
| Cost of funding earning assets | 1.0131% | 1,283 |
| Net interest margin | 3.6871% | 3,702 |
| Noninterest income to average assets | 0.5071% | 3,849 |
| Noninterest expense to average assets | 3.8167% | 1,226 |
| Loan and lease loss provision to assets | 0.2739% | 2,457 |
| Net operating income to assets | -0.3145% | 6,454 |
| Return on assets (ROA) | 0.0777% | 6,188 |
| Pretax return on assets | 0.0777% | 6,186 |
| Return on Equity (ROE) | 1.0762% | 6,120 |
| Retained earnings to average equity (ytd only) | 1.0762% | 5,336 |
| Net charge-offs to loans | 0.0087% | 5,821 |
| Credit loss provision to net charge-offs | 5,900.0000% | 43 |
| Earnings coverage of net charge-offs (x) | -8.7500% | 5,938 |
| Efficiency ratio | 101.0756% | 519 |
| Assets per employee ($millions) | 2.9156% | 6,135 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.8900% | 742 |
| Loan loss allowance to noncurrent loans | 2,106.3492% | 262 |
| Noncurrent assets plus other real estate owned to assets | 1.4332% | 3,247 |
| Noncurrent loans to loans | 0.1372% | 6,140 |
| Net loans and leases to total assets | 54.6198% | 4,528 |
| Net loans and leases to deposits | 75.4650% | 2,880 |
| Net loans and leases to core deposits | 77.7005% | 3,300 |
| Total domestic deposits to total assets | 72.3777% | 6,670 |
| Equity capital to assets | 7.7085% | 6,547 |
| Core capital (leverage) ratio | 5.3228% | 6,914 |
| Tier 1 risk-based capital ratio | 7.7577% | 6,923 |
| Total risk-based capital ratio | 9.0212% | 6,924 |
| Memoranda: |
| Average total assets | $86,174,200 | 5,185 |
| Average earning assets | $76,402,200 | 5,228 |
| Average equity | $6,225,400 | 5,963 |
| Average total loans | $45,737,200 | 5,258 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7120% | 2,763 |
| Cost of funding earning assets | 1.0666% | 1,212 |
| Net interest margin | 3.6454% | 4,021 |
| Noninterest income to average assets | 0.4978% | 3,944 |
| Noninterest expense to average assets | 3.6819% | 1,391 |
| Loan and lease loss provision to assets | 0.3604% | 1,801 |
| Net operating income to assets | -0.3085% | 6,577 |
| Return on assets (ROA) | 0.0519% | 6,343 |
| Pretax return on assets | 0.0519% | 6,332 |
| Return on Equity (ROE) | 0.7301% | 6,296 |
| Retained earnings to average equity (ytd only) | 0.7301% | 5,862 |
| Net charge-offs to loans | 0.2684% | 3,114 |
| Credit loss provision to net charge-offs | 256.5217% | 1,070 |
| Earnings coverage of net charge-offs (x) | 0.3696% | 5,144 |
| Efficiency ratio | 98.6094% | 582 |
| Assets per employee ($millions) | 2.9679% | 6,098 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.7763% | 904 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.4308% | 3,462 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 52.2551% | 5,009 |
| Net loans and leases to deposits | 71.0460% | 3,739 |
| Net loans and leases to core deposits | 73.8541% | 3,990 |
| Total domestic deposits to total assets | 73.5511% | 6,635 |
| Equity capital to assets | 7.6631% | 6,723 |
| Core capital (leverage) ratio | 5.0223% | 7,028 |
| Tier 1 risk-based capital ratio | 7.6753% | 7,011 |
| Total risk-based capital ratio | 8.9368% | 7,011 |
| Memoranda: |
| Average total assets | $87,308,500 | 5,201 |
| Average earning assets | $77,502,500 | 5,256 |
| Average equity | $6,208,500 | 6,033 |
| Average total loans | $45,692,250 | 5,315 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5940% | 3,390 |
| Cost of funding earning assets | 1.1510% | 1,022 |
| Net interest margin | 3.4430% | 4,910 |
| Noninterest income to average assets | 0.4825% | 4,040 |
| Noninterest expense to average assets | 3.5486% | 1,680 |
| Loan and lease loss provision to assets | 0.5321% | 1,173 |
| Net operating income to assets | -0.5366% | 6,752 |
| Return on assets (ROA) | -0.0045% | 6,459 |
| Pretax return on assets | -0.0045% | 6,453 |
| Return on Equity (ROE) | -0.0650% | 6,463 |
| Retained earnings to average equity (ytd only) | -0.0650% | 6,049 |
| Net charge-offs to loans | 0.6821% | 1,627 |
| Credit loss provision to net charge-offs | 150.3185% | 1,835 |
| Earnings coverage of net charge-offs (x) | -0.0127% | 5,086 |
| Efficiency ratio | 100.1272% | 553 |
| Assets per employee ($millions) | 3.3429% | 5,349 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.6016% | 1,152 |
| Loan loss allowance to noncurrent loans | 889.3939% | 459 |
| Noncurrent assets plus other real estate owned to assets | 1.4658% | 3,511 |
| Noncurrent loans to loans | 0.2925% | 5,982 |
| Net loans and leases to total assets | 48.6954% | 5,538 |
| Net loans and leases to deposits | 64.6115% | 4,684 |
| Net loans and leases to core deposits | 65.8151% | 5,023 |
| Total domestic deposits to total assets | 75.3664% | 6,548 |
| Equity capital to assets | 6.8281% | 6,938 |
| Core capital (leverage) ratio | 4.8272% | 7,080 |
| Tier 1 risk-based capital ratio | 7.3441% | 7,071 |
| Total risk-based capital ratio | 8.6031% | 7,074 |
| Memoranda: |
| Average total assets | $88,711,330 | 5,206 |
| Average earning assets | $78,884,670 | 5,242 |
| Average equity | $6,155,330 | 6,075 |
| Average total loans | $46,035,000 | 5,339 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6200% | 3,412 |
| Cost of funding earning assets | 1.2139% | 926 |
| Net interest margin | 3.4061% | 5,095 |
| Noninterest income to average assets | 0.3866% | 4,771 |
| Noninterest expense to average assets | 3.5207% | 1,715 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -0.1092% | 6,552 |
| Return on assets (ROA) | -0.1092% | 6,628 |
| Pretax return on assets | -0.1092% | 6,606 |
| Return on Equity (ROE) | -1.5606% | 6,657 |
| Retained earnings to average equity (ytd only) | -1.5606% | 6,221 |
| Net charge-offs to loans | -0.0430% | 6,479 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.2000% | 466 |
| Assets per employee ($millions) | 3.1828% | 5,800 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3636% | 1,568 |
| Loan loss allowance to noncurrent loans | 382.2917% | 887 |
| Noncurrent assets plus other real estate owned to assets | 1.5676% | 3,514 |
| Noncurrent loans to loans | 0.6183% | 5,423 |
| Net loans and leases to total assets | 51.0352% | 5,147 |
| Net loans and leases to deposits | 68.2314% | 4,020 |
| Net loans and leases to core deposits | 70.7787% | 4,324 |
| Total domestic deposits to total assets | 74.7972% | 6,673 |
| Equity capital to assets | 6.8932% | 6,953 |
| Core capital (leverage) ratio | 4.8997% | 7,126 |
| Tier 1 risk-based capital ratio | 7.6309% | 7,104 |
| Total risk-based capital ratio | 8.8897% | 7,105 |
| Memoranda: |
| Average total assets | $87,937,500 | 5,272 |
| Average earning assets | $78,095,500 | 5,301 |
| Average equity | $6,151,500 | 6,109 |
| Average total loans | $46,489,500 | 5,360 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2798% | 1,771 |
| Cost of funding earning assets | 1.3464% | 1,260 |
| Net interest margin | 3.9333% | 3,193 |
| Noninterest income to average assets | 0.3729% | 4,842 |
| Noninterest expense to average assets | 4.3502% | 684 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | -0.5397% | 6,516 |
| Return on assets (ROA) | 0.0243% | 6,111 |
| Pretax return on assets | 0.0243% | 6,082 |
| Return on Equity (ROE) | 0.3528% | 6,094 |
| Retained earnings to average equity (ytd only) | 0.3528% | 5,674 |
| Net charge-offs to loans | 0.4136% | 3,355 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | -2.4145% | 6,297 |
| Efficiency ratio | 114.1641% | 364 |
| Assets per employee ($millions) | 3.0985% | 5,900 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3622% | 1,519 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.3163% | 4,022 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 52.2154% | 5,279 |
| Net loans and leases to deposits | 69.9846% | 4,104 |
| Net loans and leases to core deposits | 72.0608% | 4,527 |
| Total domestic deposits to total assets | 74.6098% | 6,662 |
| Equity capital to assets | 7.1002% | 6,935 |
| Core capital (leverage) ratio | 4.9567% | 7,151 |
| Tier 1 risk-based capital ratio | 7.7746% | 7,121 |
| Total risk-based capital ratio | 9.0348% | 7,123 |
| Memoranda: |
| Average total assets | $86,340,400 | 5,284 |
| Average earning assets | $75,457,800 | 5,361 |
| Average equity | $5,952,200 | 6,172 |
| Average total loans | $46,666,400 | 5,395 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2531% | 2,017 |
| Cost of funding earning assets | 1.3759% | 1,338 |
| Net interest margin | 3.8773% | 3,493 |
| Noninterest income to average assets | 0.4020% | 4,655 |
| Noninterest expense to average assets | 4.2116% | 787 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | -0.4329% | 6,605 |
| Return on assets (ROA) | -0.0170% | 6,282 |
| Pretax return on assets | -0.0170% | 6,249 |
| Return on Equity (ROE) | -0.2486% | 6,294 |
| Retained earnings to average equity (ytd only) | -0.2486% | 6,020 |
| Net charge-offs to loans | 0.4251% | 3,018 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | -1.8792% | 6,011 |
| Efficiency ratio | 111.4566% | 401 |
| Assets per employee ($millions) | 3.1226% | 5,855 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.5237% | 1,364 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.9455% | 3,210 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 50.3603% | 5,666 |
| Net loans and leases to deposits | 68.3902% | 4,544 |
| Net loans and leases to core deposits | 71.2591% | 4,812 |
| Total domestic deposits to total assets | 73.6367% | 6,798 |
| Equity capital to assets | 7.2365% | 7,007 |
| Core capital (leverage) ratio | 5.0978% | 7,230 |
| Tier 1 risk-based capital ratio | 7.7762% | 7,205 |
| Total risk-based capital ratio | 9.0386% | 7,206 |
| Memoranda: |
| Average total assets | $86,236,000 | 5,323 |
| Average earning assets | $75,102,250 | 5,417 |
| Average equity | $5,900,250 | 6,223 |
| Average total loans | $46,733,750 | 5,442 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3881% | 1,602 |
| Cost of funding earning assets | 1.4404% | 1,231 |
| Net interest margin | 3.9477% | 3,097 |
| Noninterest income to average assets | 0.4077% | 4,616 |
| Noninterest expense to average assets | 4.3478% | 703 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | -0.4334% | 6,644 |
| Return on assets (ROA) | 0.1934% | 5,876 |
| Pretax return on assets | 0.1095% | 6,090 |
| Return on Equity (ROE) | 2.8829% | 5,443 |
| Retained earnings to average equity (ytd only) | 2.8829% | 4,451 |
| Net charge-offs to loans | 0.2497% | 3,631 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | -3.7627% | 5,777 |
| Efficiency ratio | 113.5036% | 416 |
| Assets per employee ($millions) | 3.0247% | 6,029 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.6163% | 1,295 |
| Loan loss allowance to noncurrent loans | 359.3567% | 890 |
| Noncurrent assets plus other real estate owned to assets | 2.2729% | 2,891 |
| Noncurrent loans to loans | 0.7281% | 5,457 |
| Net loans and leases to total assets | 54.0134% | 5,295 |
| Net loans and leases to deposits | 73.4187% | 3,891 |
| Net loans and leases to core deposits | 76.5953% | 4,239 |
| Total domestic deposits to total assets | 73.5689% | 6,881 |
| Equity capital to assets | 6.8106% | 7,142 |
| Core capital (leverage) ratio | 4.7509% | 7,321 |
| Tier 1 risk-based capital ratio | 7.1757% | 7,302 |
| Total risk-based capital ratio | 8.4341% | 7,303 |
| Memoranda: |
| Average total assets | $85,837,330 | 5,373 |
| Average earning assets | $74,422,670 | 5,480 |
| Average equity | $5,758,000 | 6,302 |
| Average total loans | $47,254,670 | 5,464 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4867% | 1,335 |
| Cost of funding earning assets | 1.4885% | 1,217 |
| Net interest margin | 3.9981% | 2,684 |
| Noninterest income to average assets | 0.5092% | 3,807 |
| Noninterest expense to average assets | 4.0366% | 992 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -0.0833% | 6,445 |
| Return on assets (ROA) | -0.0833% | 6,461 |
| Pretax return on assets | -0.0833% | 6,435 |
| Return on Equity (ROE) | -1.2515% | 6,517 |
| Retained earnings to average equity (ytd only) | -1.2515% | 6,036 |
| Net charge-offs to loans | -0.7089% | 7,455 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.1077% | 668 |
| Assets per employee ($millions) | 2.8893% | 6,379 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.9043% | 1,001 |
| Loan loss allowance to noncurrent loans | 401.4620% | 780 |
| Noncurrent assets plus other real estate owned to assets | 3.2414% | 2,120 |
| Noncurrent loans to loans | 0.7234% | 5,563 |
| Net loans and leases to total assets | 54.7810% | 5,197 |
| Net loans and leases to deposits | 74.4204% | 3,696 |
| Net loans and leases to core deposits | 77.2250% | 4,127 |
| Total domestic deposits to total assets | 73.6102% | 6,938 |
| Equity capital to assets | 6.8361% | 7,136 |
| Core capital (leverage) ratio | 4.5781% | 7,390 |
| Tier 1 risk-based capital ratio | 7.0428% | 7,365 |
| Total risk-based capital ratio | 8.3098% | 7,368 |
| Memoranda: |
| Average total assets | $86,410,000 | 5,396 |
| Average earning assets | $74,435,000 | 5,525 |
| Average equity | $5,753,000 | 6,322 |
| Average total loans | $47,395,000 | 5,504 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5590% | 2,049 |
| Cost of funding earning assets | 1.6979% | 1,614 |
| Net interest margin | 3.8610% | 3,685 |
| Noninterest income to average assets | -0.0470% | 7,353 |
| Noninterest expense to average assets | 4.8068% | 493 |
| Loan and lease loss provision to assets | 1.0776% | 1,490 |
| Net operating income to assets | -1.6736% | 6,960 |
| Return on assets (ROA) | -1.6736% | 6,985 |
| Pretax return on assets | -2.6123% | 7,200 |
| Return on Equity (ROE) | -21.6284% | 7,068 |
| Retained earnings to average equity (ytd only) | -21.6284% | 7,045 |
| Net charge-offs to loans | 1.6592% | 1,311 |
| Credit loss provision to net charge-offs | 115.7641% | 3,724 |
| Earnings coverage of net charge-offs (x) | -1.6486% | 6,686 |
| Efficiency ratio | 146.9017% | 231 |
| Assets per employee ($millions) | 3.1796% | 5,718 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.7128% | 1,149 |
| Loan loss allowance to noncurrent loans | 159.3325% | 1,873 |
| Noncurrent assets plus other real estate owned to assets | 4.1941% | 1,600 |
| Noncurrent loans to loans | 1.7026% | 3,952 |
| Net loans and leases to total assets | 51.9229% | 5,920 |
| Net loans and leases to deposits | 69.1990% | 4,931 |
| Net loans and leases to core deposits | 73.1174% | 5,084 |
| Total domestic deposits to total assets | 75.0343% | 6,764 |
| Equity capital to assets | 6.4899% | 7,258 |
| Core capital (leverage) ratio | 4.2896% | 7,477 |
| Tier 1 risk-based capital ratio | 6.7995% | 7,442 |
| Total risk-based capital ratio | 8.0629% | 7,445 |
| Memoranda: |
| Average total assets | $89,270,200 | 5,312 |
| Average earning assets | $76,741,000 | 5,453 |
| Average equity | $6,907,600 | 6,063 |
| Average total loans | $50,084,400 | 5,482 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6529% | 1,873 |
| Cost of funding earning assets | 1.7402% | 1,672 |
| Net interest margin | 3.9127% | 3,475 |
| Noninterest income to average assets | 0.2836% | 5,841 |
| Noninterest expense to average assets | 4.5732% | 549 |
| Loan and lease loss provision to assets | 1.0657% | 1,380 |
| Net operating income to assets | -1.2866% | 7,023 |
| Return on assets (ROA) | -1.2866% | 7,052 |
| Pretax return on assets | -1.9926% | 7,197 |
| Return on Equity (ROE) | -15.9847% | 7,135 |
| Retained earnings to average equity (ytd only) | -15.9847% | 7,109 |
| Net charge-offs to loans | 1.2064% | 1,690 |
| Credit loss provision to net charge-offs | 155.5556% | 2,466 |
| Earnings coverage of net charge-offs (x) | -1.3530% | 6,490 |
| Efficiency ratio | 125.4196% | 339 |
| Assets per employee ($millions) | 2.8648% | 6,457 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.9259% | 878 |
| Loan loss allowance to noncurrent loans | 90.9502% | 3,019 |
| Noncurrent assets plus other real estate owned to assets | 5.8790% | 1,025 |
| Noncurrent loans to loans | 3.2171% | 2,467 |
| Net loans and leases to total assets | 52.5628% | 6,031 |
| Net loans and leases to deposits | 72.3901% | 4,778 |
| Net loans and leases to core deposits | 76.7549% | 4,957 |
| Total domestic deposits to total assets | 72.6106% | 7,070 |
| Equity capital to assets | 7.7808% | 6,942 |
| Core capital (leverage) ratio | 5.6182% | 7,480 |
| Tier 1 risk-based capital ratio | 8.5205% | 7,433 |
| Total risk-based capital ratio | 9.7883% | 7,440 |
| Memoranda: |
| Average total assets | $89,330,250 | 5,379 |
| Average earning assets | $76,773,000 | 5,520 |
| Average equity | $7,190,000 | 6,046 |
| Average total loans | $50,726,500 | 5,540 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6106% | 2,102 |
| Cost of funding earning assets | 1.7940% | 1,665 |
| Net interest margin | 3.8165% | 3,824 |
| Noninterest income to average assets | 0.2279% | 6,285 |
| Noninterest expense to average assets | 4.6299% | 509 |
| Loan and lease loss provision to assets | 0.8960% | 1,627 |
| Net operating income to assets | -1.3117% | 7,071 |
| Return on assets (ROA) | -1.3117% | 7,091 |
| Pretax return on assets | -2.0133% | 7,244 |
| Return on Equity (ROE) | -16.1190% | 7,176 |
| Retained earnings to average equity (ytd only) | -16.1190% | 7,139 |
| Net charge-offs to loans | 1.1588% | 1,636 |
| Credit loss provision to net charge-offs | 134.1137% | 2,998 |
| Earnings coverage of net charge-offs (x) | -1.6722% | 6,188 |
| Efficiency ratio | 131.8066% | 305 |
| Assets per employee ($millions) | 2.6111% | 6,930 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.5396% | 1,251 |
| Loan loss allowance to noncurrent loans | 59.7143% | 4,356 |
| Noncurrent assets plus other real estate owned to assets | 6.4903% | 863 |
| Noncurrent loans to loans | 4.2529% | 1,753 |
| Net loans and leases to total assets | 54.2071% | 5,962 |
| Net loans and leases to deposits | 74.2345% | 4,640 |
| Net loans and leases to core deposits | 80.4507% | 4,643 |
| Total domestic deposits to total assets | 73.0215% | 7,096 |
| Equity capital to assets | 7.8601% | 6,876 |
| Core capital (leverage) ratio | 6.0495% | 7,475 |
| Tier 1 risk-based capital ratio | 8.9121% | 7,431 |
| Total risk-based capital ratio | 10.1759% | 7,439 |
| Memoranda: |
| Average total assets | $89,504,330 | 5,411 |
| Average earning assets | $77,033,000 | 5,548 |
| Average equity | $7,283,330 | 6,040 |
| Average total loans | $51,606,330 | 5,537 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4316% | 2,891 |
| Cost of funding earning assets | 1.8122% | 1,827 |
| Net interest margin | 3.6194% | 4,631 |
| Noninterest income to average assets | 0.4852% | 4,157 |
| Noninterest expense to average assets | 5.0875% | 347 |
| Loan and lease loss provision to assets | 0.3650% | 3,183 |
| Net operating income to assets | -1.1395% | 7,189 |
| Return on assets (ROA) | -1.1395% | 7,205 |
| Pretax return on assets | -1.8027% | 7,347 |
| Return on Equity (ROE) | -13.7708% | 7,284 |
| Retained earnings to average equity (ytd only) | -13.7708% | 7,162 |
| Net charge-offs to loans | 1.1381% | 1,478 |
| Credit loss provision to net charge-offs | 54.6667% | 4,407 |
| Earnings coverage of net charge-offs (x) | -2.1533% | 5,482 |
| Efficiency ratio | 139.3902% | 261 |
| Assets per employee ($millions) | 2.6557% | 6,948 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0981% | 1,962 |
| Loan loss allowance to noncurrent loans | 28.4041% | 6,501 |
| Noncurrent assets plus other real estate owned to assets | 7.1478% | 744 |
| Noncurrent loans to loans | 7.3865% | 781 |
| Net loans and leases to total assets | 56.3814% | 5,690 |
| Net loans and leases to deposits | 77.7973% | 4,081 |
| Net loans and leases to core deposits | 86.0851% | 3,880 |
| Total domestic deposits to total assets | 72.4721% | 7,219 |
| Equity capital to assets | 8.0493% | 6,599 |
| Core capital (leverage) ratio | 6.4428% | 7,483 |
| Tier 1 risk-based capital ratio | 9.6228% | 7,238 |
| Total risk-based capital ratio | 10.8801% | 7,230 |
| Memoranda: |
| Average total assets | $89,867,500 | 5,461 |
| Average earning assets | $78,576,500 | 5,559 |
| Average equity | $7,436,000 | 6,041 |
| Average total loans | $52,720,500 | 5,550 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5869% | 3,676 |
| Cost of funding earning assets | 2.3159% | 1,593 |
| Net interest margin | 3.2710% | 5,853 |
| Noninterest income to average assets | 1.6582% | 526 |
| Noninterest expense to average assets | 4.0225% | 1,329 |
| Loan and lease loss provision to assets | 3.8036% | 377 |
| Net operating income to assets | -2.2657% | 7,185 |
| Return on assets (ROA) | -2.2657% | 7,187 |
| Pretax return on assets | -3.3077% | 7,374 |
| Return on Equity (ROE) | -25.1825% | 7,293 |
| Retained earnings to average equity (ytd only) | -25.1825% | 7,268 |
| Net charge-offs to loans | 5.4766% | 209 |
| Credit loss provision to net charge-offs | 109.6560% | 5,019 |
| Earnings coverage of net charge-offs (x) | 0.1429% | 6,018 |
| Efficiency ratio | 89.0262% | 1,793 |
| Assets per employee ($millions) | 2.5555% | 7,112 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1669% | 1,705 |
| Loan loss allowance to noncurrent loans | 33.0291% | 6,249 |
| Noncurrent assets plus other real estate owned to assets | 6.7229% | 777 |
| Noncurrent loans to loans | 6.5605% | 906 |
| Net loans and leases to total assets | 58.4553% | 5,587 |
| Net loans and leases to deposits | 82.3004% | 3,573 |
| Net loans and leases to core deposits | 116.3680% | 2,277 |
| Total domestic deposits to total assets | 71.0267% | 7,338 |
| Equity capital to assets | 8.5017% | 5,876 |
| Core capital (leverage) ratio | 6.5057% | 7,492 |
| Tier 1 risk-based capital ratio | 10.2743% | 6,612 |
| Total risk-based capital ratio | 11.5320% | 6,580 |
| Memoranda: |
| Average total assets | $91,361,600 | 5,355 |
| Average earning assets | $79,883,400 | 5,462 |
| Average equity | $8,220,000 | 5,860 |
| Average total loans | $57,864,800 | 5,346 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2801% | 5,527 |
| Cost of funding earning assets | 2.3803% | 1,699 |
| Net interest margin | 2.8998% | 6,861 |
| Noninterest income to average assets | 0.5197% | 4,321 |
| Noninterest expense to average assets | 3.9255% | 1,392 |
| Loan and lease loss provision to assets | 2.1152% | 826 |
| Net operating income to assets | -2.0629% | 7,346 |
| Return on assets (ROA) | -2.0629% | 7,343 |
| Pretax return on assets | -2.9848% | 7,497 |
| Return on Equity (ROE) | -22.6250% | 7,457 |
| Retained earnings to average equity (ytd only) | -22.6250% | 7,426 |
| Net charge-offs to loans | 2.4644% | 745 |
| Credit loss provision to net charge-offs | 133.6697% | 3,729 |
| Earnings coverage of net charge-offs (x) | -0.5495% | 6,489 |
| Efficiency ratio | 128.4561% | 490 |
| Assets per employee ($millions) | 3.0296% | 6,080 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0607% | 1,667 |
| Loan loss allowance to noncurrent loans | 20.6161% | 7,060 |
| Noncurrent assets plus other real estate owned to assets | 8.7980% | 450 |
| Noncurrent loans to loans | 9.9956% | 396 |
| Net loans and leases to total assets | 57.9013% | 5,906 |
| Net loans and leases to deposits | 79.8466% | 4,412 |
| Net loans and leases to core deposits | 119.5860% | 2,280 |
| Total domestic deposits to total assets | 72.5157% | 7,143 |
| Equity capital to assets | 8.0569% | 6,794 |
| Core capital (leverage) ratio | 7.5336% | 6,933 |
| Tier 1 risk-based capital ratio | 10.5968% | 6,347 |
| Total risk-based capital ratio | 11.8535% | 6,317 |
| Memoranda: |
| Average total assets | $91,841,750 | 5,371 |
| Average earning assets | $80,325,500 | 5,483 |
| Average equity | $8,374,000 | 5,863 |
| Average total loans | $58,970,750 | 5,340 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3101% | 5,610 |
| Cost of funding earning assets | 2.5257% | 1,524 |
| Net interest margin | 2.7844% | 7,043 |
| Noninterest income to average assets | 0.5251% | 4,227 |
| Noninterest expense to average assets | 3.9403% | 1,414 |
| Loan and lease loss provision to assets | 1.2140% | 1,416 |
| Net operating income to assets | -1.4406% | 7,215 |
| Return on assets (ROA) | -1.4406% | 7,221 |
| Pretax return on assets | -2.1901% | 7,343 |
| Return on Equity (ROE) | -15.1409% | 7,336 |
| Retained earnings to average equity (ytd only) | -15.1409% | 7,244 |
| Net charge-offs to loans | 2.0025% | 924 |
| Credit loss provision to net charge-offs | 91.6949% | 4,872 |
| Earnings coverage of net charge-offs (x) | -0.7373% | 6,159 |
| Efficiency ratio | 132.9296% | 500 |
| Assets per employee ($millions) | 3.0493% | 6,003 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3906% | 3,775 |
| Loan loss allowance to noncurrent loans | 21.8469% | 7,023 |
| Noncurrent assets plus other real estate owned to assets | 6.8868% | 632 |
| Noncurrent loans to loans | 6.3652% | 840 |
| Net loans and leases to total assets | 60.1631% | 5,653 |
| Net loans and leases to deposits | 84.1387% | 3,855 |
| Net loans and leases to core deposits | 128.2207% | 1,694 |
| Total domestic deposits to total assets | 71.5047% | 7,308 |
| Equity capital to assets | 9.1930% | 5,023 |
| Core capital (leverage) ratio | 9.0734% | 4,506 |
| Tier 1 risk-based capital ratio | 13.7353% | 3,668 |
| Total risk-based capital ratio | 14.9857% | 3,601 |
| Memoranda: |
| Average total assets | $89,130,000 | 5,491 |
| Average earning assets | $78,077,330 | 5,595 |
| Average equity | $8,480,330 | 5,850 |
| Average total loans | $58,925,670 | 5,384 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4291% | 5,274 |
| Cost of funding earning assets | 2.7198% | 1,211 |
| Net interest margin | 2.7093% | 7,183 |
| Noninterest income to average assets | 0.5044% | 4,288 |
| Noninterest expense to average assets | 3.6977% | 1,660 |
| Loan and lease loss provision to assets | 1.0644% | 1,232 |
| Net operating income to assets | -1.2449% | 7,389 |
| Return on assets (ROA) | -1.2449% | 7,404 |
| Pretax return on assets | -1.8790% | 7,498 |
| Return on Equity (ROE) | -12.8470% | 7,513 |
| Retained earnings to average equity (ytd only) | -12.8470% | 7,314 |
| Net charge-offs to loans | 0.7389% | 1,706 |
| Credit loss provision to net charge-offs | 209.0909% | 2,144 |
| Earnings coverage of net charge-offs (x) | -1.6000% | 5,437 |
| Efficiency ratio | 128.2504% | 521 |
| Assets per employee ($millions) | 2.6156% | 7,058 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6551% | 2,294 |
| Loan loss allowance to noncurrent loans | 20.3902% | 7,145 |
| Noncurrent assets plus other real estate owned to assets | 7.4463% | 431 |
| Noncurrent loans to loans | 8.1174% | 438 |
| Net loans and leases to total assets | 64.9432% | 4,820 |
| Net loans and leases to deposits | 83.2982% | 4,093 |
| Net loans and leases to core deposits | 127.1330% | 1,842 |
| Total domestic deposits to total assets | 77.9647% | 6,025 |
| Equity capital to assets | 9.2590% | 4,995 |
| Core capital (leverage) ratio | 9.1087% | 4,541 |
| Tier 1 risk-based capital ratio | 13.3795% | 3,935 |
| Total risk-based capital ratio | 14.6343% | 3,847 |
| Memoranda: |
| Average total assets | $86,431,000 | 5,589 |
| Average earning assets | $75,887,000 | 5,703 |
| Average equity | $8,375,500 | 5,927 |
| Average total loans | $59,552,000 | 5,381 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.8729% | 223 |
| Cost of funding earning assets | 3.0631% | 1,627 |
| Net interest margin | 4.8098% | 770 |
| Noninterest income to average assets | 0.5343% | 4,367 |
| Noninterest expense to average assets | 4.1843% | 1,162 |
| Loan and lease loss provision to assets | 0.5801% | 2,503 |
| Net operating income to assets | 0.0325% | 6,276 |
| Return on assets (ROA) | 0.0496% | 6,090 |
| Pretax return on assets | 0.1616% | 5,816 |
| Return on Equity (ROE) | 0.4639% | 6,089 |
| Retained earnings to average equity (ytd only) | 0.4639% | 4,963 |
| Net charge-offs to loans | 0.3540% | 3,058 |
| Credit loss provision to net charge-offs | 222.4390% | 2,144 |
| Earnings coverage of net charge-offs (x) | 2.7415% | 4,715 |
| Efficiency ratio | 85.4064% | 1,911 |
| Assets per employee ($millions) | 2.7075% | 6,769 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4111% | 3,134 |
| Loan loss allowance to noncurrent loans | 122.7666% | 2,926 |
| Noncurrent assets plus other real estate owned to assets | 2.9619% | 1,559 |
| Noncurrent loans to loans | 1.1494% | 4,240 |
| Net loans and leases to total assets | 70.9217% | 3,805 |
| Net loans and leases to deposits | 92.6158% | 3,028 |
| Net loans and leases to core deposits | 137.6610% | 1,398 |
| Total domestic deposits to total assets | 76.5763% | 6,103 |
| Equity capital to assets | 10.1475% | 3,868 |
| Core capital (leverage) ratio | 9.8946% | 3,553 |
| Tier 1 risk-based capital ratio | 14.0364% | 3,532 |
| Total risk-based capital ratio | 15.2894% | 3,449 |
| Memoranda: |
| Average total assets | $78,603,600 | 5,745 |
| Average earning assets | $71,333,600 | 5,768 |
| Average equity | $8,407,200 | 5,942 |
| Average total loans | $57,909,000 | 5,368 |
