| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4646% | 1,830 |
| Cost of funding earning assets | 0.3763% | 3,456 |
| Net interest margin | 4.0883% | 1,484 |
| Noninterest income to average assets | 0.8403% | 1,437 |
| Noninterest expense to average assets | 3.5042% | 1,028 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.8739% | 2,842 |
| Return on assets (ROA) | 0.8912% | 2,791 |
| Pretax return on assets | 1.0785% | 3,269 |
| Return on Equity (ROE) | 7.7761% | 2,902 |
| Retained earnings to average equity (ytd only) | 3.3352% | 3,302 |
| Net charge-offs to loans | 0.1396% | 1,671 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 11.1720% | 2,599 |
| Efficiency ratio | 76.8158% | 1,511 |
| Assets per employee ($millions) | 3.2318% | 5,003 |
| Cash dividends to net income (ytd only)* | 57.1102% | 1,905 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2717% | 2,371 |
| Loan loss allowance to noncurrent loans | 273.0927% | 1,771 |
| Noncurrent assets plus other real estate owned to assets | 0.8060% | 1,933 |
| Noncurrent loans to loans | 0.4657% | 3,112 |
| Net loans and leases to total assets | 66.6407% | 3,014 |
| Net loans and leases to deposits | 81.6921% | 2,753 |
| Net loans and leases to core deposits | 87.5661% | 2,759 |
| Total domestic deposits to total assets | 81.5755% | 3,978 |
| Equity capital to assets | 11.6118% | 2,108 |
| Core capital (leverage) ratio | 11.0294% | 2,312 |
| Tier 1 risk-based capital ratio | 15.0721% | 2,818 |
| Total risk-based capital ratio | 16.2502% | 2,779 |
| Memoranda: |
| Average total assets | $392,956,800 | 1,735 |
| Average earning assets | $357,702,400 | 1,767 |
| Average equity | $45,035,400 | 1,658 |
| Average total loans | $266,462,000 | 1,729 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4408% | 1,818 |
| Cost of funding earning assets | 0.3745% | 3,424 |
| Net interest margin | 4.0663% | 1,494 |
| Noninterest income to average assets | 0.9199% | 1,213 |
| Noninterest expense to average assets | 3.4323% | 1,096 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.9812% | 2,637 |
| Return on assets (ROA) | 1.0031% | 2,584 |
| Pretax return on assets | 1.2084% | 2,869 |
| Return on Equity (ROE) | 8.7809% | 2,735 |
| Retained earnings to average equity (ytd only) | 8.7809% | 919 |
| Net charge-offs to loans | 0.1231% | 1,557 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 14.1496% | 2,312 |
| Efficiency ratio | 74.3843% | 1,833 |
| Assets per employee ($millions) | 3.0918% | 5,186 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2704% | 2,517 |
| Loan loss allowance to noncurrent loans | 187.8195% | 2,340 |
| Noncurrent assets plus other real estate owned to assets | 0.9696% | 1,750 |
| Noncurrent loans to loans | 0.6764% | 2,679 |
| Net loans and leases to total assets | 67.3010% | 2,947 |
| Net loans and leases to deposits | 83.1006% | 2,646 |
| Net loans and leases to core deposits | 88.9914% | 2,690 |
| Total domestic deposits to total assets | 80.9874% | 4,049 |
| Equity capital to assets | 11.8155% | 2,101 |
| Core capital (leverage) ratio | 11.1065% | 2,361 |
| Tier 1 risk-based capital ratio | 14.9784% | 2,928 |
| Total risk-based capital ratio | 16.1561% | 2,885 |
| Memoranda: |
| Average total assets | $394,241,000 | 1,739 |
| Average earning assets | $358,186,500 | 1,775 |
| Average equity | $45,036,000 | 1,676 |
| Average total loans | $267,633,750 | 1,731 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4117% | 1,772 |
| Cost of funding earning assets | 0.3734% | 3,353 |
| Net interest margin | 4.0384% | 1,490 |
| Noninterest income to average assets | 0.7313% | 1,855 |
| Noninterest expense to average assets | 3.4046% | 1,156 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.8606% | 3,111 |
| Return on assets (ROA) | 0.8836% | 3,056 |
| Pretax return on assets | 1.0165% | 3,499 |
| Return on Equity (ROE) | 7.8259% | 3,136 |
| Retained earnings to average equity (ytd only) | 7.8259% | 1,230 |
| Net charge-offs to loans | 0.2179% | 939 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 6.7034% | 2,676 |
| Efficiency ratio | 77.4713% | 1,534 |
| Assets per employee ($millions) | 3.1865% | 5,115 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2642% | 2,597 |
| Loan loss allowance to noncurrent loans | 231.4111% | 1,972 |
| Noncurrent assets plus other real estate owned to assets | 1.1956% | 1,421 |
| Noncurrent loans to loans | 0.5463% | 3,106 |
| Net loans and leases to total assets | 66.8814% | 2,968 |
| Net loans and leases to deposits | 82.1648% | 2,686 |
| Net loans and leases to core deposits | 88.4272% | 2,667 |
| Total domestic deposits to total assets | 81.3991% | 4,077 |
| Equity capital to assets | 11.5536% | 2,275 |
| Core capital (leverage) ratio | 10.9148% | 2,483 |
| Tier 1 risk-based capital ratio | 14.5734% | 3,127 |
| Total risk-based capital ratio | 15.7472% | 3,086 |
| Memoranda: |
| Average total assets | $392,707,670 | 1,750 |
| Average earning assets | $356,232,330 | 1,781 |
| Average equity | $44,339,670 | 1,694 |
| Average total loans | $266,219,000 | 1,737 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4262% | 1,567 |
| Cost of funding earning assets | 0.3691% | 3,322 |
| Net interest margin | 4.0570% | 1,328 |
| Noninterest income to average assets | 0.6545% | 2,155 |
| Noninterest expense to average assets | 3.4531% | 1,110 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.6875% | 3,759 |
| Return on assets (ROA) | 0.6955% | 3,764 |
| Pretax return on assets | 0.8874% | 3,816 |
| Return on Equity (ROE) | 6.2345% | 3,793 |
| Retained earnings to average equity (ytd only) | 6.2345% | 2,220 |
| Net charge-offs to loans | 0.4508% | 407 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 2.8691% | 2,538 |
| Efficiency ratio | 79.7441% | 1,408 |
| Assets per employee ($millions) | 3.1572% | 5,214 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2800% | 2,635 |
| Loan loss allowance to noncurrent loans | 197.0469% | 2,288 |
| Noncurrent assets plus other real estate owned to assets | 1.3042% | 1,304 |
| Noncurrent loans to loans | 0.6496% | 2,876 |
| Net loans and leases to total assets | 66.5037% | 2,896 |
| Net loans and leases to deposits | 82.3892% | 2,458 |
| Net loans and leases to core deposits | 88.7926% | 2,473 |
| Total domestic deposits to total assets | 80.7190% | 4,479 |
| Equity capital to assets | 11.1842% | 2,442 |
| Core capital (leverage) ratio | 10.7700% | 2,626 |
| Tier 1 risk-based capital ratio | 14.3336% | 3,296 |
| Total risk-based capital ratio | 15.5171% | 3,245 |
| Memoranda: |
| Average total assets | $389,907,500 | 1,774 |
| Average earning assets | $353,262,000 | 1,809 |
| Average equity | $43,500,000 | 1,726 |
| Average total loans | $264,426,000 | 1,758 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4198% | 1,771 |
| Cost of funding earning assets | 0.3529% | 3,487 |
| Net interest margin | 4.0669% | 1,453 |
| Noninterest income to average assets | 0.7022% | 2,160 |
| Noninterest expense to average assets | 3.4214% | 1,308 |
| Loan and lease loss provision to assets | 0.0312% | 3,731 |
| Net operating income to assets | 0.6779% | 3,881 |
| Return on assets (ROA) | 0.7171% | 3,819 |
| Pretax return on assets | 0.9587% | 3,624 |
| Return on Equity (ROE) | 6.0250% | 3,967 |
| Retained earnings to average equity (ytd only) | -4.2888% | 5,648 |
| Net charge-offs to loans | 0.2996% | 924 |
| Credit loss provision to net charge-offs | 15.6210% | 3,710 |
| Earnings coverage of net charge-offs (x) | 4.6953% | 3,461 |
| Efficiency ratio | 78.4876% | 1,627 |
| Assets per employee ($millions) | 3.0091% | 5,356 |
| Cash dividends to net income (ytd only)* | 171.1840% | 119 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4073% | 2,048 |
| Loan loss allowance to noncurrent loans | 161.6863% | 2,656 |
| Noncurrent assets plus other real estate owned to assets | 1.4874% | 1,127 |
| Noncurrent loans to loans | 0.8704% | 2,360 |
| Net loans and leases to total assets | 67.3195% | 2,883 |
| Net loans and leases to deposits | 82.9998% | 2,548 |
| Net loans and leases to core deposits | 89.5862% | 2,540 |
| Total domestic deposits to total assets | 81.1080% | 4,311 |
| Equity capital to assets | 11.1281% | 2,504 |
| Core capital (leverage) ratio | 10.6240% | 2,748 |
| Tier 1 risk-based capital ratio | 14.2807% | 3,294 |
| Total risk-based capital ratio | 15.5342% | 3,225 |
| Memoranda: |
| Average total assets | $391,041,600 | 1,718 |
| Average earning assets | $351,623,000 | 1,762 |
| Average equity | $46,539,800 | 1,625 |
| Average total loans | $260,679,200 | 1,730 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4167% | 1,809 |
| Cost of funding earning assets | 0.3500% | 3,539 |
| Net interest margin | 4.0668% | 1,481 |
| Noninterest income to average assets | 0.7989% | 1,770 |
| Noninterest expense to average assets | 3.4403% | 1,265 |
| Loan and lease loss provision to assets | 0.0313% | 3,604 |
| Net operating income to assets | 0.7330% | 3,682 |
| Return on assets (ROA) | 0.7847% | 3,576 |
| Pretax return on assets | 1.0476% | 3,437 |
| Return on Equity (ROE) | 6.4896% | 3,844 |
| Retained earnings to average equity (ytd only) | 0.8709% | 5,121 |
| Net charge-offs to loans | 0.2676% | 865 |
| Credit loss provision to net charge-offs | 17.6245% | 3,312 |
| Earnings coverage of net charge-offs (x) | 5.6954% | 3,094 |
| Efficiency ratio | 77.3071% | 1,792 |
| Assets per employee ($millions) | 3.0977% | 5,296 |
| Cash dividends to net income (ytd only)* | 86.5802% | 595 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5286% | 1,659 |
| Loan loss allowance to noncurrent loans | 172.5955% | 2,505 |
| Noncurrent assets plus other real estate owned to assets | 1.5829% | 1,104 |
| Noncurrent loans to loans | 0.8856% | 2,490 |
| Net loans and leases to total assets | 65.3842% | 3,220 |
| Net loans and leases to deposits | 82.1008% | 2,721 |
| Net loans and leases to core deposits | 88.6262% | 2,698 |
| Total domestic deposits to total assets | 79.6390% | 4,585 |
| Equity capital to assets | 12.2812% | 1,910 |
| Core capital (leverage) ratio | 10.8715% | 2,601 |
| Tier 1 risk-based capital ratio | 15.2871% | 2,924 |
| Total risk-based capital ratio | 16.5422% | 2,852 |
| Memoranda: |
| Average total assets | $392,510,000 | 1,716 |
| Average earning assets | $352,409,500 | 1,764 |
| Average equity | $47,459,250 | 1,599 |
| Average total loans | $260,100,500 | 1,733 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3561% | 1,962 |
| Cost of funding earning assets | 0.3345% | 3,751 |
| Net interest margin | 4.0216% | 1,577 |
| Noninterest income to average assets | 0.7502% | 1,936 |
| Noninterest expense to average assets | 3.3626% | 1,457 |
| Loan and lease loss provision to assets | 0.0315% | 3,501 |
| Net operating income to assets | 0.7169% | 3,711 |
| Return on assets (ROA) | 0.7736% | 3,578 |
| Pretax return on assets | 1.0363% | 3,454 |
| Return on Equity (ROE) | 6.4308% | 3,835 |
| Retained earnings to average equity (ytd only) | 6.4308% | 1,903 |
| Net charge-offs to loans | 0.1379% | 1,499 |
| Credit loss provision to net charge-offs | 34.4444% | 2,819 |
| Earnings coverage of net charge-offs (x) | 10.8667% | 2,300 |
| Efficiency ratio | 77.2161% | 1,893 |
| Assets per employee ($millions) | 3.0398% | 5,379 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6017% | 1,524 |
| Loan loss allowance to noncurrent loans | 203.2583% | 2,249 |
| Noncurrent assets plus other real estate owned to assets | 1.8440% | 919 |
| Noncurrent loans to loans | 0.7880% | 2,780 |
| Net loans and leases to total assets | 64.4568% | 3,298 |
| Net loans and leases to deposits | 81.3353% | 2,778 |
| Net loans and leases to core deposits | 87.7129% | 2,755 |
| Total domestic deposits to total assets | 79.2483% | 4,721 |
| Equity capital to assets | 12.0360% | 2,102 |
| Core capital (leverage) ratio | 11.3286% | 2,119 |
| Tier 1 risk-based capital ratio | 15.2929% | 2,942 |
| Total risk-based capital ratio | 16.5493% | 2,874 |
| Memoranda: |
| Average total assets | $394,276,330 | 1,713 |
| Average earning assets | $353,387,670 | 1,760 |
| Average equity | $47,427,670 | 1,599 |
| Average total loans | $261,099,000 | 1,722 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3338% | 2,016 |
| Cost of funding earning assets | 0.3141% | 4,011 |
| Net interest margin | 4.0197% | 1,556 |
| Noninterest income to average assets | 0.6936% | 2,070 |
| Noninterest expense to average assets | 3.2995% | 1,605 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.7516% | 3,475 |
| Return on assets (ROA) | 0.7851% | 3,429 |
| Pretax return on assets | 1.0553% | 3,255 |
| Return on Equity (ROE) | 6.5284% | 3,713 |
| Retained earnings to average equity (ytd only) | 6.5284% | 2,123 |
| Net charge-offs to loans | 0.0648% | 1,848 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 23.4048% | 1,368 |
| Efficiency ratio | 76.5618% | 2,098 |
| Assets per employee ($millions) | 3.1473% | 5,348 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6566% | 1,463 |
| Loan loss allowance to noncurrent loans | 209.7135% | 2,153 |
| Noncurrent assets plus other real estate owned to assets | 1.9359% | 921 |
| Noncurrent loans to loans | 0.7899% | 2,858 |
| Net loans and leases to total assets | 66.2166% | 2,918 |
| Net loans and leases to deposits | 83.1752% | 2,405 |
| Net loans and leases to core deposits | 88.4851% | 2,516 |
| Total domestic deposits to total assets | 79.6110% | 4,831 |
| Equity capital to assets | 12.2617% | 1,854 |
| Core capital (leverage) ratio | 11.2758% | 2,168 |
| Tier 1 risk-based capital ratio | 15.2828% | 3,024 |
| Total risk-based capital ratio | 16.5405% | 2,965 |
| Memoranda: |
| Average total assets | $389,267,500 | 1,731 |
| Average earning assets | $350,177,000 | 1,777 |
| Average equity | $46,811,000 | 1,604 |
| Average total loans | $259,230,000 | 1,735 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4871% | 1,639 |
| Cost of funding earning assets | 0.3556% | 3,645 |
| Net interest margin | 4.1315% | 1,336 |
| Noninterest income to average assets | 0.6659% | 2,371 |
| Noninterest expense to average assets | 3.3707% | 1,546 |
| Loan and lease loss provision to assets | 0.0093% | 4,216 |
| Net operating income to assets | 0.7332% | 3,659 |
| Return on assets (ROA) | 0.7658% | 3,577 |
| Pretax return on assets | 1.0334% | 3,334 |
| Return on Equity (ROE) | 6.3710% | 3,859 |
| Retained earnings to average equity (ytd only) | -0.1014% | 5,527 |
| Net charge-offs to loans | 0.0719% | 2,805 |
| Credit loss provision to net charge-offs | 19.7802% | 3,750 |
| Earnings coverage of net charge-offs (x) | 21.1593% | 1,827 |
| Efficiency ratio | 77.1440% | 2,097 |
| Assets per employee ($millions) | 3.1065% | 5,407 |
| Cash dividends to net income (ytd only)* | 101.5916% | 371 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6912% | 1,374 |
| Loan loss allowance to noncurrent loans | 156.6655% | 2,718 |
| Noncurrent assets plus other real estate owned to assets | 2.1080% | 816 |
| Noncurrent loans to loans | 1.0795% | 2,182 |
| Net loans and leases to total assets | 64.7508% | 3,155 |
| Net loans and leases to deposits | 80.3301% | 2,786 |
| Net loans and leases to core deposits | 85.6254% | 2,823 |
| Total domestic deposits to total assets | 80.6059% | 4,585 |
| Equity capital to assets | 11.7917% | 2,115 |
| Core capital (leverage) ratio | 10.9217% | 2,473 |
| Tier 1 risk-based capital ratio | 15.0347% | 3,166 |
| Total risk-based capital ratio | 16.2955% | 3,091 |
| Memoranda: |
| Average total assets | $385,617,600 | 1,704 |
| Average earning assets | $345,659,000 | 1,761 |
| Average equity | $46,350,800 | 1,594 |
| Average total loans | $253,203,800 | 1,709 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4704% | 1,689 |
| Cost of funding earning assets | 0.3665% | 3,591 |
| Net interest margin | 4.1039% | 1,400 |
| Noninterest income to average assets | 0.6955% | 2,242 |
| Noninterest expense to average assets | 3.3276% | 1,628 |
| Loan and lease loss provision to assets | 0.0090% | 4,085 |
| Net operating income to assets | 0.7568% | 3,651 |
| Return on assets (ROA) | 0.7996% | 3,524 |
| Pretax return on assets | 1.0901% | 3,267 |
| Return on Equity (ROE) | 6.6206% | 3,826 |
| Retained earnings to average equity (ytd only) | -2.0000% | 5,856 |
| Net charge-offs to loans | -0.1243% | 5,866 |
| Credit loss provision to net charge-offs | -11.0638% | 4,856 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1799% | 2,218 |
| Assets per employee ($millions) | 3.0821% | 5,452 |
| Cash dividends to net income (ytd only)* | 130.2085% | 179 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8578% | 1,155 |
| Loan loss allowance to noncurrent loans | 150.1417% | 2,813 |
| Noncurrent assets plus other real estate owned to assets | 2.2517% | 830 |
| Noncurrent loans to loans | 1.2373% | 2,065 |
| Net loans and leases to total assets | 65.3669% | 3,095 |
| Net loans and leases to deposits | 82.0311% | 2,644 |
| Net loans and leases to core deposits | 85.7859% | 2,873 |
| Total domestic deposits to total assets | 79.6855% | 4,807 |
| Equity capital to assets | 11.7985% | 2,265 |
| Core capital (leverage) ratio | 10.7510% | 2,771 |
| Tier 1 risk-based capital ratio | 15.1138% | 3,239 |
| Total risk-based capital ratio | 16.3775% | 3,165 |
| Memoranda: |
| Average total assets | $384,167,250 | 1,723 |
| Average earning assets | $343,797,000 | 1,774 |
| Average equity | $46,399,750 | 1,599 |
| Average total loans | $252,053,000 | 1,721 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4425% | 1,705 |
| Cost of funding earning assets | 0.3706% | 3,592 |
| Net interest margin | 4.0719% | 1,435 |
| Noninterest income to average assets | 0.7077% | 2,182 |
| Noninterest expense to average assets | 3.3872% | 1,496 |
| Loan and lease loss provision to assets | 0.0135% | 3,848 |
| Net operating income to assets | 0.7028% | 3,877 |
| Return on assets (ROA) | 0.7499% | 3,743 |
| Pretax return on assets | 1.0120% | 3,537 |
| Return on Equity (ROE) | 6.1608% | 4,059 |
| Retained earnings to average equity (ytd only) | 6.1608% | 2,141 |
| Net charge-offs to loans | -0.2187% | 6,049 |
| Credit loss provision to net charge-offs | -9.4891% | 4,690 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8816% | 2,090 |
| Assets per employee ($millions) | 2.9890% | 5,604 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9019% | 1,158 |
| Loan loss allowance to noncurrent loans | 139.3043% | 2,965 |
| Noncurrent assets plus other real estate owned to assets | 2.3525% | 844 |
| Noncurrent loans to loans | 1.3653% | 1,982 |
| Net loans and leases to total assets | 63.7953% | 3,289 |
| Net loans and leases to deposits | 80.5921% | 2,714 |
| Net loans and leases to core deposits | 83.9858% | 2,983 |
| Total domestic deposits to total assets | 79.1582% | 5,063 |
| Equity capital to assets | 12.0781% | 1,967 |
| Core capital (leverage) ratio | 11.3023% | 2,160 |
| Tier 1 risk-based capital ratio | 15.9444% | 2,887 |
| Total risk-based capital ratio | 17.2101% | 2,834 |
| Memoranda: |
| Average total assets | $383,802,670 | 1,734 |
| Average earning assets | $343,226,330 | 1,782 |
| Average equity | $46,714,670 | 1,597 |
| Average total loans | $250,537,330 | 1,739 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4652% | 1,570 |
| Cost of funding earning assets | 0.3768% | 3,576 |
| Net interest margin | 4.0884% | 1,310 |
| Noninterest income to average assets | 0.6775% | 2,264 |
| Noninterest expense to average assets | 3.3244% | 1,659 |
| Loan and lease loss provision to assets | 0.0273% | 3,340 |
| Net operating income to assets | 0.7224% | 3,680 |
| Return on assets (ROA) | 0.7666% | 3,580 |
| Pretax return on assets | 1.0382% | 3,353 |
| Return on Equity (ROE) | 6.2739% | 3,887 |
| Retained earnings to average equity (ytd only) | 6.2739% | 2,343 |
| Net charge-offs to loans | 0.0978% | 1,745 |
| Credit loss provision to net charge-offs | 42.6230% | 2,169 |
| Earnings coverage of net charge-offs (x) | 15.7213% | 1,609 |
| Efficiency ratio | 76.7740% | 2,379 |
| Assets per employee ($millions) | 2.9656% | 5,712 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7973% | 1,502 |
| Loan loss allowance to noncurrent loans | 157.0425% | 2,692 |
| Noncurrent assets plus other real estate owned to assets | 2.2404% | 1,018 |
| Noncurrent loans to loans | 1.1445% | 2,483 |
| Net loans and leases to total assets | 63.8569% | 3,109 |
| Net loans and leases to deposits | 79.7783% | 2,582 |
| Net loans and leases to core deposits | 81.3852% | 3,019 |
| Total domestic deposits to total assets | 80.0430% | 5,044 |
| Equity capital to assets | 12.3415% | 1,793 |
| Core capital (leverage) ratio | 11.6766% | 1,869 |
| Tier 1 risk-based capital ratio | 17.1848% | 2,411 |
| Total risk-based capital ratio | 18.5690% | 2,328 |
| Memoranda: |
| Average total assets | $381,418,500 | 1,747 |
| Average earning assets | $340,769,000 | 1,802 |
| Average equity | $46,606,000 | 1,610 |
| Average total loans | $249,458,000 | 1,749 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5514% | 1,690 |
| Cost of funding earning assets | 0.4736% | 2,944 |
| Net interest margin | 4.0778% | 1,655 |
| Noninterest income to average assets | 0.5342% | 3,279 |
| Noninterest expense to average assets | 3.4551% | 1,587 |
| Loan and lease loss provision to assets | 0.0514% | 3,534 |
| Net operating income to assets | 0.5002% | 4,808 |
| Return on assets (ROA) | 0.6283% | 4,349 |
| Pretax return on assets | 0.8416% | 4,105 |
| Return on Equity (ROE) | 5.4309% | 4,440 |
| Retained earnings to average equity (ytd only) | 5.4309% | 2,311 |
| Net charge-offs to loans | 0.4102% | 1,042 |
| Credit loss provision to net charge-offs | 18.9922% | 3,985 |
| Earnings coverage of net charge-offs (x) | 2.6705% | 4,091 |
| Efficiency ratio | 82.7134% | 1,566 |
| Assets per employee ($millions) | 2.9709% | 5,739 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8013% | 1,532 |
| Loan loss allowance to noncurrent loans | 132.9596% | 3,073 |
| Noncurrent assets plus other real estate owned to assets | 2.4543% | 946 |
| Noncurrent loans to loans | 1.3548% | 2,172 |
| Net loans and leases to total assets | 64.5971% | 3,123 |
| Net loans and leases to deposits | 80.2752% | 2,681 |
| Net loans and leases to core deposits | 81.9593% | 3,115 |
| Total domestic deposits to total assets | 80.4696% | 4,887 |
| Equity capital to assets | 12.0960% | 1,951 |
| Core capital (leverage) ratio | 11.2375% | 2,183 |
| Tier 1 risk-based capital ratio | 16.2413% | 2,840 |
| Total risk-based capital ratio | 17.4975% | 2,783 |
| Memoranda: |
| Average total assets | $381,672,200 | 1,720 |
| Average earning assets | $340,969,400 | 1,752 |
| Average equity | $44,154,600 | 1,633 |
| Average total loans | $251,582,400 | 1,679 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5185% | 1,806 |
| Cost of funding earning assets | 0.4965% | 2,799 |
| Net interest margin | 4.0220% | 1,817 |
| Noninterest income to average assets | 0.5441% | 3,240 |
| Noninterest expense to average assets | 3.4133% | 1,630 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.5403% | 4,710 |
| Return on assets (ROA) | 0.6366% | 4,382 |
| Pretax return on assets | 0.8575% | 4,155 |
| Return on Equity (ROE) | 5.5659% | 4,452 |
| Retained earnings to average equity (ytd only) | 5.5659% | 2,691 |
| Net charge-offs to loans | 0.6472% | 550 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 1.7040% | 4,096 |
| Efficiency ratio | 82.4343% | 1,559 |
| Assets per employee ($millions) | 2.9499% | 5,784 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6413% | 2,160 |
| Loan loss allowance to noncurrent loans | 84.0784% | 4,066 |
| Noncurrent assets plus other real estate owned to assets | 2.7318% | 913 |
| Noncurrent loans to loans | 1.9521% | 1,633 |
| Net loans and leases to total assets | 65.3746% | 2,973 |
| Net loans and leases to deposits | 81.1692% | 2,525 |
| Net loans and leases to core deposits | 82.5467% | 3,053 |
| Total domestic deposits to total assets | 80.5412% | 4,952 |
| Equity capital to assets | 11.9456% | 2,106 |
| Core capital (leverage) ratio | 10.9992% | 2,482 |
| Tier 1 risk-based capital ratio | 16.4737% | 2,822 |
| Total risk-based capital ratio | 17.7286% | 2,774 |
| Memoranda: |
| Average total assets | $382,021,750 | 1,727 |
| Average earning assets | $341,611,500 | 1,758 |
| Average equity | $43,693,750 | 1,655 |
| Average total loans | $251,940,000 | 1,686 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5124% | 1,793 |
| Cost of funding earning assets | 0.5205% | 2,635 |
| Net interest margin | 3.9919% | 1,830 |
| Noninterest income to average assets | 0.5314% | 3,257 |
| Noninterest expense to average assets | 3.4420% | 1,589 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.4897% | 4,848 |
| Return on assets (ROA) | 0.6143% | 4,383 |
| Pretax return on assets | 0.8256% | 4,178 |
| Return on Equity (ROE) | 5.4508% | 4,462 |
| Retained earnings to average equity (ytd only) | 5.4508% | 2,669 |
| Net charge-offs to loans | 0.8150% | 467 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 1.2257% | 3,869 |
| Efficiency ratio | 83.9695% | 1,520 |
| Assets per employee ($millions) | 2.7909% | 6,041 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7267% | 2,050 |
| Loan loss allowance to noncurrent loans | 94.8966% | 3,755 |
| Noncurrent assets plus other real estate owned to assets | 2.6206% | 1,031 |
| Noncurrent loans to loans | 1.8195% | 1,886 |
| Net loans and leases to total assets | 64.2172% | 3,042 |
| Net loans and leases to deposits | 79.2942% | 2,612 |
| Net loans and leases to core deposits | 81.4096% | 3,047 |
| Total domestic deposits to total assets | 80.9859% | 4,986 |
| Equity capital to assets | 11.5863% | 2,340 |
| Core capital (leverage) ratio | 10.7647% | 2,657 |
| Tier 1 risk-based capital ratio | 16.4589% | 2,850 |
| Total risk-based capital ratio | 17.7151% | 2,809 |
| Memoranda: |
| Average total assets | $383,500,000 | 1,719 |
| Average earning assets | $342,746,000 | 1,749 |
| Average equity | $43,223,330 | 1,658 |
| Average total loans | $252,265,000 | 1,683 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5199% | 1,748 |
| Cost of funding earning assets | 0.5390% | 2,514 |
| Net interest margin | 3.9809% | 1,823 |
| Noninterest income to average assets | 0.4645% | 3,676 |
| Noninterest expense to average assets | 3.4056% | 1,693 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.4470% | 4,945 |
| Return on assets (ROA) | 0.6926% | 3,806 |
| Pretax return on assets | 0.9488% | 3,526 |
| Return on Equity (ROE) | 6.2317% | 3,893 |
| Retained earnings to average equity (ytd only) | 6.2317% | 2,418 |
| Net charge-offs to loans | 0.6486% | 568 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 1.4307% | 3,098 |
| Efficiency ratio | 84.7589% | 1,582 |
| Assets per employee ($millions) | 2.8601% | 6,032 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9561% | 1,608 |
| Loan loss allowance to noncurrent loans | 118.4767% | 3,203 |
| Noncurrent assets plus other real estate owned to assets | 2.5933% | 1,205 |
| Noncurrent loans to loans | 1.6511% | 2,354 |
| Net loans and leases to total assets | 64.0086% | 2,889 |
| Net loans and leases to deposits | 78.8645% | 2,443 |
| Net loans and leases to core deposits | 81.4694% | 2,795 |
| Total domestic deposits to total assets | 81.1627% | 5,191 |
| Equity capital to assets | 11.1992% | 2,525 |
| Core capital (leverage) ratio | 10.5784% | 2,835 |
| Tier 1 risk-based capital ratio | 16.0679% | 3,143 |
| Total risk-based capital ratio | 17.3273% | 3,090 |
| Memoranda: |
| Average total assets | $384,076,000 | 1,724 |
| Average earning assets | $342,836,000 | 1,758 |
| Average equity | $42,685,000 | 1,669 |
| Average total loans | $253,474,000 | 1,676 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6621% | 1,678 |
| Cost of funding earning assets | 0.6889% | 1,896 |
| Net interest margin | 3.9732% | 2,026 |
| Noninterest income to average assets | 0.4340% | 4,201 |
| Noninterest expense to average assets | 3.4926% | 1,673 |
| Loan and lease loss provision to assets | -0.0079% | 6,266 |
| Net operating income to assets | 0.3793% | 5,223 |
| Return on assets (ROA) | 0.3989% | 5,262 |
| Pretax return on assets | 0.5055% | 5,191 |
| Return on Equity (ROE) | 3.7104% | 5,231 |
| Retained earnings to average equity (ytd only) | 3.7104% | 3,577 |
| Net charge-offs to loans | 0.4129% | 1,624 |
| Credit loss provision to net charge-offs | -2.9580% | 5,667 |
| Earnings coverage of net charge-offs (x) | 1.7739% | 4,452 |
| Efficiency ratio | 88.0795% | 1,209 |
| Assets per employee ($millions) | 2.7886% | 6,124 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0960% | 1,343 |
| Loan loss allowance to noncurrent loans | 83.3776% | 4,080 |
| Noncurrent assets plus other real estate owned to assets | 3.2468% | 937 |
| Noncurrent loans to loans | 2.5138% | 1,498 |
| Net loans and leases to total assets | 65.3152% | 2,804 |
| Net loans and leases to deposits | 80.3744% | 2,407 |
| Net loans and leases to core deposits | 83.2556% | 2,749 |
| Total domestic deposits to total assets | 81.2638% | 5,105 |
| Equity capital to assets | 11.0273% | 2,584 |
| Core capital (leverage) ratio | 10.1919% | 3,302 |
| Tier 1 risk-based capital ratio | 15.5259% | 3,361 |
| Total risk-based capital ratio | 16.7867% | 3,308 |
| Memoranda: |
| Average total assets | $393,285,600 | 1,678 |
| Average earning assets | $349,542,400 | 1,710 |
| Average equity | $42,286,000 | 1,660 |
| Average total loans | $253,818,800 | 1,640 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6287% | 1,803 |
| Cost of funding earning assets | 0.7170% | 1,831 |
| Net interest margin | 3.9117% | 2,232 |
| Noninterest income to average assets | 0.4618% | 4,064 |
| Noninterest expense to average assets | 3.4179% | 1,785 |
| Loan and lease loss provision to assets | 0.0084% | 4,814 |
| Net operating income to assets | 0.3897% | 5,283 |
| Return on assets (ROA) | 0.4571% | 5,136 |
| Pretax return on assets | 0.5955% | 5,026 |
| Return on Equity (ROE) | 4.2778% | 5,082 |
| Retained earnings to average equity (ytd only) | 4.2778% | 3,633 |
| Net charge-offs to loans | 0.5495% | 1,158 |
| Credit loss provision to net charge-offs | 2.3923% | 4,312 |
| Earnings coverage of net charge-offs (x) | 1.4679% | 4,348 |
| Efficiency ratio | 86.8754% | 1,274 |
| Assets per employee ($millions) | 2.9071% | 6,001 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0673% | 1,577 |
| Loan loss allowance to noncurrent loans | 83.3230% | 3,947 |
| Noncurrent assets plus other real estate owned to assets | 3.2940% | 1,071 |
| Noncurrent loans to loans | 2.4811% | 1,751 |
| Net loans and leases to total assets | 64.2409% | 2,964 |
| Net loans and leases to deposits | 78.6169% | 2,570 |
| Net loans and leases to core deposits | 82.7011% | 2,808 |
| Total domestic deposits to total assets | 81.7138% | 5,027 |
| Equity capital to assets | 10.5726% | 3,193 |
| Core capital (leverage) ratio | 10.4718% | 3,034 |
| Tier 1 risk-based capital ratio | 15.3177% | 3,556 |
| Total risk-based capital ratio | 16.5778% | 3,505 |
| Memoranda: |
| Average total assets | $396,098,250 | 1,673 |
| Average earning assets | $351,623,000 | 1,717 |
| Average equity | $42,325,500 | 1,665 |
| Average total loans | $253,556,250 | 1,638 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6400% | 1,727 |
| Cost of funding earning assets | 0.7637% | 1,628 |
| Net interest margin | 3.8763% | 2,286 |
| Noninterest income to average assets | 0.5519% | 3,487 |
| Noninterest expense to average assets | 3.5061% | 1,591 |
| Loan and lease loss provision to assets | 0.0379% | 4,191 |
| Net operating income to assets | 0.3449% | 5,423 |
| Return on assets (ROA) | 0.4416% | 5,222 |
| Pretax return on assets | 0.5671% | 5,137 |
| Return on Equity (ROE) | 4.1181% | 5,170 |
| Retained earnings to average equity (ytd only) | 4.1181% | 3,670 |
| Net charge-offs to loans | 0.4454% | 1,467 |
| Credit loss provision to net charge-offs | 13.4168% | 3,848 |
| Earnings coverage of net charge-offs (x) | 1.7013% | 3,967 |
| Efficiency ratio | 87.9345% | 1,226 |
| Assets per employee ($millions) | 2.8207% | 6,136 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2911% | 1,274 |
| Loan loss allowance to noncurrent loans | 64.3229% | 4,614 |
| Noncurrent assets plus other real estate owned to assets | 4.2208% | 804 |
| Noncurrent loans to loans | 3.5619% | 1,166 |
| Net loans and leases to total assets | 65.0441% | 2,749 |
| Net loans and leases to deposits | 79.2927% | 2,422 |
| Net loans and leases to core deposits | 83.4219% | 2,636 |
| Total domestic deposits to total assets | 82.0304% | 5,052 |
| Equity capital to assets | 10.6640% | 3,101 |
| Core capital (leverage) ratio | 10.1783% | 3,265 |
| Tier 1 risk-based capital ratio | 15.2863% | 3,609 |
| Total risk-based capital ratio | 16.5494% | 3,556 |
| Memoranda: |
| Average total assets | $395,373,330 | 1,675 |
| Average earning assets | $350,388,670 | 1,724 |
| Average equity | $42,398,000 | 1,665 |
| Average total loans | $250,990,000 | 1,653 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5443% | 2,008 |
| Cost of funding earning assets | 0.8109% | 1,469 |
| Net interest margin | 3.7333% | 2,723 |
| Noninterest income to average assets | 0.6526% | 2,865 |
| Noninterest expense to average assets | 3.4024% | 1,834 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.4366% | 4,972 |
| Return on assets (ROA) | 0.4889% | 4,887 |
| Pretax return on assets | 0.6164% | 4,888 |
| Return on Equity (ROE) | 4.5470% | 4,816 |
| Retained earnings to average equity (ytd only) | 4.5470% | 3,507 |
| Net charge-offs to loans | 0.2997% | 1,765 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 2.9622% | 2,887 |
| Efficiency ratio | 86.0808% | 1,510 |
| Assets per employee ($millions) | 2.9395% | 6,092 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4861% | 1,136 |
| Loan loss allowance to noncurrent loans | 56.6858% | 4,871 |
| Noncurrent assets plus other real estate owned to assets | 4.7170% | 790 |
| Noncurrent loans to loans | 4.3858% | 971 |
| Net loans and leases to total assets | 61.6367% | 3,136 |
| Net loans and leases to deposits | 75.8966% | 2,652 |
| Net loans and leases to core deposits | 82.4857% | 2,514 |
| Total domestic deposits to total assets | 81.2115% | 5,447 |
| Equity capital to assets | 10.8183% | 3,177 |
| Core capital (leverage) ratio | 9.9419% | 3,470 |
| Tier 1 risk-based capital ratio | 15.3848% | 3,602 |
| Total risk-based capital ratio | 16.6502% | 3,552 |
| Memoranda: |
| Average total assets | $398,429,000 | 1,680 |
| Average earning assets | $352,181,000 | 1,728 |
| Average equity | $42,841,500 | 1,671 |
| Average total loans | $246,920,500 | 1,684 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8014% | 2,187 |
| Cost of funding earning assets | 1.0191% | 1,257 |
| Net interest margin | 3.7824% | 3,306 |
| Noninterest income to average assets | 0.4532% | 4,229 |
| Noninterest expense to average assets | 3.5879% | 1,632 |
| Loan and lease loss provision to assets | 0.4930% | 1,221 |
| Net operating income to assets | -0.2424% | 6,405 |
| Return on assets (ROA) | 0.2427% | 5,857 |
| Pretax return on assets | 0.1963% | 5,996 |
| Return on Equity (ROE) | 2.4244% | 5,784 |
| Retained earnings to average equity (ytd only) | 2.4244% | 4,529 |
| Net charge-offs to loans | 1.4733% | 614 |
| Credit loss provision to net charge-offs | 54.2364% | 4,595 |
| Earnings coverage of net charge-offs (x) | 0.2247% | 5,368 |
| Efficiency ratio | 94.6072% | 772 |
| Assets per employee ($millions) | 2.8778% | 6,200 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.6423% | 974 |
| Loan loss allowance to noncurrent loans | 52.6441% | 4,997 |
| Noncurrent assets plus other real estate owned to assets | 5.0170% | 772 |
| Noncurrent loans to loans | 5.0192% | 793 |
| Net loans and leases to total assets | 59.1435% | 3,769 |
| Net loans and leases to deposits | 72.2371% | 3,372 |
| Net loans and leases to core deposits | 79.5742% | 3,066 |
| Total domestic deposits to total assets | 81.8742% | 5,141 |
| Equity capital to assets | 10.6875% | 3,299 |
| Core capital (leverage) ratio | 9.6640% | 3,871 |
| Tier 1 risk-based capital ratio | 15.2920% | 3,549 |
| Total risk-based capital ratio | 16.5582% | 3,493 |
| Memoranda: |
| Average total assets | $414,174,400 | 1,581 |
| Average earning assets | $365,619,200 | 1,637 |
| Average equity | $41,454,000 | 1,683 |
| Average total loans | $255,550,800 | 1,617 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8525% | 2,186 |
| Cost of funding earning assets | 1.0552% | 1,261 |
| Net interest margin | 3.7973% | 3,344 |
| Noninterest income to average assets | 0.5685% | 3,481 |
| Noninterest expense to average assets | 3.6375% | 1,482 |
| Loan and lease loss provision to assets | 0.6416% | 825 |
| Net operating income to assets | -0.3380% | 6,604 |
| Return on assets (ROA) | 0.1430% | 6,198 |
| Pretax return on assets | 0.1529% | 6,198 |
| Return on Equity (ROE) | 1.4523% | 6,163 |
| Retained earnings to average equity (ytd only) | 1.4523% | 5,600 |
| Net charge-offs to loans | 1.5900% | 526 |
| Credit loss provision to net charge-offs | 65.1540% | 4,023 |
| Earnings coverage of net charge-offs (x) | 0.2872% | 5,184 |
| Efficiency ratio | 92.7780% | 843 |
| Assets per employee ($millions) | 3.1413% | 5,757 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.8038% | 884 |
| Loan loss allowance to noncurrent loans | 52.4991% | 5,000 |
| Noncurrent assets plus other real estate owned to assets | 5.9828% | 668 |
| Noncurrent loans to loans | 5.3407% | 818 |
| Net loans and leases to total assets | 59.5491% | 3,869 |
| Net loans and leases to deposits | 72.8438% | 3,467 |
| Net loans and leases to core deposits | 80.5636% | 3,135 |
| Total domestic deposits to total assets | 81.7490% | 5,102 |
| Equity capital to assets | 10.3774% | 3,975 |
| Core capital (leverage) ratio | 9.2442% | 4,685 |
| Tier 1 risk-based capital ratio | 14.6028% | 4,118 |
| Total risk-based capital ratio | 15.8711% | 4,071 |
| Memoranda: |
| Average total assets | $417,713,000 | 1,587 |
| Average earning assets | $368,705,500 | 1,637 |
| Average equity | $41,129,500 | 1,712 |
| Average total loans | $258,686,750 | 1,612 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8857% | 2,170 |
| Cost of funding earning assets | 1.0750% | 1,334 |
| Net interest margin | 3.8107% | 3,312 |
| Noninterest income to average assets | 0.6670% | 2,852 |
| Noninterest expense to average assets | 3.7639% | 1,268 |
| Loan and lease loss provision to assets | 0.6360% | 911 |
| Net operating income to assets | -0.3326% | 6,640 |
| Return on assets (ROA) | 0.0729% | 6,359 |
| Pretax return on assets | 0.0505% | 6,388 |
| Return on Equity (ROE) | 0.7536% | 6,344 |
| Retained earnings to average equity (ytd only) | 0.7536% | 5,763 |
| Net charge-offs to loans | 1.3439% | 779 |
| Credit loss provision to net charge-offs | 76.1552% | 3,431 |
| Earnings coverage of net charge-offs (x) | 0.3366% | 4,911 |
| Efficiency ratio | 93.0389% | 860 |
| Assets per employee ($millions) | 3.1713% | 5,708 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.9710% | 805 |
| Loan loss allowance to noncurrent loans | 56.0627% | 4,818 |
| Noncurrent assets plus other real estate owned to assets | 5.8750% | 736 |
| Noncurrent loans to loans | 5.2995% | 896 |
| Net loans and leases to total assets | 60.7352% | 3,675 |
| Net loans and leases to deposits | 74.3077% | 3,239 |
| Net loans and leases to core deposits | 82.8015% | 2,855 |
| Total domestic deposits to total assets | 81.7347% | 5,223 |
| Equity capital to assets | 9.7880% | 4,647 |
| Core capital (leverage) ratio | 8.7792% | 5,253 |
| Tier 1 risk-based capital ratio | 13.7138% | 4,652 |
| Total risk-based capital ratio | 14.9853% | 4,611 |
| Memoranda: |
| Average total assets | $419,780,330 | 1,581 |
| Average earning assets | $372,109,330 | 1,626 |
| Average equity | $40,604,670 | 1,717 |
| Average total loans | $260,875,670 | 1,602 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9302% | 2,134 |
| Cost of funding earning assets | 1.1044% | 1,384 |
| Net interest margin | 3.8258% | 3,261 |
| Noninterest income to average assets | 0.6209% | 3,098 |
| Noninterest expense to average assets | 3.5454% | 1,671 |
| Loan and lease loss provision to assets | 0.7451% | 683 |
| Net operating income to assets | -0.2588% | 6,685 |
| Return on assets (ROA) | 0.0502% | 6,446 |
| Pretax return on assets | 0.0284% | 6,489 |
| Return on Equity (ROE) | 0.5225% | 6,434 |
| Retained earnings to average equity (ytd only) | 0.5225% | 5,831 |
| Net charge-offs to loans | 1.8692% | 513 |
| Credit loss provision to net charge-offs | 64.3735% | 3,028 |
| Earnings coverage of net charge-offs (x) | 0.4013% | 4,154 |
| Efficiency ratio | 88.3924% | 1,232 |
| Assets per employee ($millions) | 3.2203% | 5,725 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.9845% | 846 |
| Loan loss allowance to noncurrent loans | 80.1935% | 3,675 |
| Noncurrent assets plus other real estate owned to assets | 4.4668% | 1,200 |
| Noncurrent loans to loans | 3.7216% | 1,665 |
| Net loans and leases to total assets | 60.3230% | 3,590 |
| Net loans and leases to deposits | 74.0790% | 3,115 |
| Net loans and leases to core deposits | 83.2886% | 2,642 |
| Total domestic deposits to total assets | 81.4306% | 5,486 |
| Equity capital to assets | 9.7574% | 4,448 |
| Core capital (leverage) ratio | 8.6411% | 5,394 |
| Tier 1 risk-based capital ratio | 13.5588% | 4,787 |
| Total risk-based capital ratio | 14.8300% | 4,755 |
| Memoranda: |
| Average total assets | $421,951,500 | 1,579 |
| Average earning assets | $373,774,500 | 1,623 |
| Average equity | $40,575,500 | 1,713 |
| Average total loans | $261,292,000 | 1,604 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2868% | 1,744 |
| Cost of funding earning assets | 1.2717% | 1,610 |
| Net interest margin | 4.0151% | 2,810 |
| Noninterest income to average assets | 0.4614% | 4,128 |
| Noninterest expense to average assets | 3.4624% | 2,085 |
| Loan and lease loss provision to assets | 0.7545% | 1,334 |
| Net operating income to assets | -0.0974% | 6,162 |
| Return on assets (ROA) | 0.0499% | 6,072 |
| Pretax return on assets | -0.0183% | 6,150 |
| Return on Equity (ROE) | 0.5380% | 6,049 |
| Retained earnings to average equity (ytd only) | 0.5380% | 5,593 |
| Net charge-offs to loans | 3.0766% | 303 |
| Credit loss provision to net charge-offs | 37.5553% | 5,670 |
| Earnings coverage of net charge-offs (x) | 0.2519% | 5,639 |
| Efficiency ratio | 86.9219% | 1,451 |
| Assets per employee ($millions) | 3.2709% | 5,579 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.0816% | 755 |
| Loan loss allowance to noncurrent loans | 94.3794% | 3,193 |
| Noncurrent assets plus other real estate owned to assets | 4.1588% | 1,363 |
| Noncurrent loans to loans | 3.2651% | 1,984 |
| Net loans and leases to total assets | 59.7777% | 4,031 |
| Net loans and leases to deposits | 74.2985% | 3,447 |
| Net loans and leases to core deposits | 85.2458% | 2,721 |
| Total domestic deposits to total assets | 80.4562% | 5,608 |
| Equity capital to assets | 9.4792% | 4,916 |
| Core capital (leverage) ratio | 8.4232% | 5,681 |
| Tier 1 risk-based capital ratio | 13.4547% | 4,730 |
| Total risk-based capital ratio | 14.7275% | 4,675 |
| Memoranda: |
| Average total assets | $427,160,200 | 1,527 |
| Average earning assets | $373,119,800 | 1,593 |
| Average equity | $39,593,800 | 1,707 |
| Average total loans | $278,945,000 | 1,524 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3315% | 1,749 |
| Cost of funding earning assets | 1.2950% | 1,731 |
| Net interest margin | 4.0364% | 2,744 |
| Noninterest income to average assets | 0.3905% | 4,739 |
| Noninterest expense to average assets | 3.3699% | 2,280 |
| Loan and lease loss provision to assets | 0.9849% | 880 |
| Net operating income to assets | -0.2345% | 6,424 |
| Return on assets (ROA) | -0.1084% | 6,375 |
| Pretax return on assets | -0.2515% | 6,456 |
| Return on Equity (ROE) | -1.1761% | 6,397 |
| Retained earnings to average equity (ytd only) | -1.1761% | 6,181 |
| Net charge-offs to loans | 2.4410% | 454 |
| Credit loss provision to net charge-offs | 60.9393% | 4,785 |
| Earnings coverage of net charge-offs (x) | 0.3319% | 5,362 |
| Efficiency ratio | 85.9416% | 1,535 |
| Assets per employee ($millions) | 3.2326% | 5,601 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.2118% | 340 |
| Loan loss allowance to noncurrent loans | 112.0086% | 2,673 |
| Noncurrent assets plus other real estate owned to assets | 4.7277% | 1,243 |
| Noncurrent loans to loans | 3.7603% | 1,807 |
| Net loans and leases to total assets | 60.7377% | 3,999 |
| Net loans and leases to deposits | 74.9142% | 3,519 |
| Net loans and leases to core deposits | 86.9590% | 2,643 |
| Total domestic deposits to total assets | 81.0763% | 5,409 |
| Equity capital to assets | 9.4217% | 5,205 |
| Core capital (leverage) ratio | 8.2845% | 5,997 |
| Tier 1 risk-based capital ratio | 13.1348% | 4,996 |
| Total risk-based capital ratio | 14.4232% | 4,948 |
| Memoranda: |
| Average total assets | $426,829,250 | 1,541 |
| Average earning assets | $371,771,750 | 1,603 |
| Average equity | $39,338,000 | 1,723 |
| Average total loans | $282,610,750 | 1,522 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4447% | 1,429 |
| Cost of funding earning assets | 1.3280% | 1,778 |
| Net interest margin | 4.1167% | 2,351 |
| Noninterest income to average assets | 0.3072% | 5,438 |
| Noninterest expense to average assets | 3.2734% | 2,657 |
| Loan and lease loss provision to assets | 1.5280% | 464 |
| Net operating income to assets | -0.5410% | 6,722 |
| Return on assets (ROA) | -0.3889% | 6,634 |
| Pretax return on assets | -0.7008% | 6,771 |
| Return on Equity (ROE) | -4.2518% | 6,659 |
| Retained earnings to average equity (ytd only) | -4.2518% | 6,497 |
| Net charge-offs to loans | 2.9237% | 359 |
| Credit loss provision to net charge-offs | 77.8230% | 3,832 |
| Earnings coverage of net charge-offs (x) | 0.3002% | 5,086 |
| Efficiency ratio | 84.4115% | 1,770 |
| Assets per employee ($millions) | 3.2682% | 5,487 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.5531% | 267 |
| Loan loss allowance to noncurrent loans | 112.4665% | 2,571 |
| Noncurrent assets plus other real estate owned to assets | 5.5175% | 1,070 |
| Noncurrent loans to loans | 4.0484% | 1,709 |
| Net loans and leases to total assets | 61.5774% | 3,974 |
| Net loans and leases to deposits | 75.9893% | 3,475 |
| Net loans and leases to core deposits | 88.3103% | 2,598 |
| Total domestic deposits to total assets | 81.0343% | 5,518 |
| Equity capital to assets | 9.1498% | 5,361 |
| Core capital (leverage) ratio | 8.3458% | 5,794 |
| Tier 1 risk-based capital ratio | 12.8203% | 5,076 |
| Total risk-based capital ratio | 14.1133% | 5,005 |
| Memoranda: |
| Average total assets | $425,795,330 | 1,552 |
| Average earning assets | $367,771,670 | 1,632 |
| Average equity | $38,948,330 | 1,722 |
| Average total loans | $285,943,670 | 1,520 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5319% | 1,215 |
| Cost of funding earning assets | 1.3504% | 1,884 |
| Net interest margin | 4.1815% | 1,961 |
| Noninterest income to average assets | 0.6434% | 2,885 |
| Noninterest expense to average assets | 3.2292% | 2,783 |
| Loan and lease loss provision to assets | 1.9631% | 278 |
| Net operating income to assets | -0.4595% | 6,782 |
| Return on assets (ROA) | -0.2364% | 6,610 |
| Pretax return on assets | -0.5774% | 6,802 |
| Return on Equity (ROE) | -2.5852% | 6,634 |
| Retained earnings to average equity (ytd only) | -2.5852% | 6,233 |
| Net charge-offs to loans | 3.6298% | 271 |
| Credit loss provision to net charge-offs | 78.9693% | 3,183 |
| Earnings coverage of net charge-offs (x) | 0.4172% | 4,309 |
| Efficiency ratio | 75.3588% | 3,272 |
| Assets per employee ($millions) | 3.1688% | 5,798 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.5619% | 273 |
| Loan loss allowance to noncurrent loans | 172.5020% | 1,696 |
| Noncurrent assets plus other real estate owned to assets | 4.8330% | 1,316 |
| Noncurrent loans to loans | 2.6445% | 2,854 |
| Net loans and leases to total assets | 64.2734% | 3,390 |
| Net loans and leases to deposits | 79.8987% | 2,740 |
| Net loans and leases to core deposits | 93.5612% | 1,945 |
| Total domestic deposits to total assets | 80.4436% | 5,830 |
| Equity capital to assets | 9.2003% | 4,873 |
| Core capital (leverage) ratio | 8.4875% | 5,481 |
| Tier 1 risk-based capital ratio | 12.9023% | 4,895 |
| Total risk-based capital ratio | 14.1957% | 4,854 |
| Memoranda: |
| Average total assets | $424,627,500 | 1,567 |
| Average earning assets | $367,904,500 | 1,640 |
| Average equity | $38,836,000 | 1,714 |
| Average total loans | $290,811,500 | 1,513 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7428% | 1,429 |
| Cost of funding earning assets | 1.7165% | 1,518 |
| Net interest margin | 4.0263% | 2,902 |
| Noninterest income to average assets | 0.5758% | 3,619 |
| Noninterest expense to average assets | 3.2548% | 2,898 |
| Loan and lease loss provision to assets | 2.4844% | 449 |
| Net operating income to assets | -0.9250% | 6,641 |
| Return on assets (ROA) | -0.8380% | 6,627 |
| Pretax return on assets | -1.4405% | 6,834 |
| Return on Equity (ROE) | -8.9312% | 6,672 |
| Retained earnings to average equity (ytd only) | -8.9312% | 6,587 |
| Net charge-offs to loans | 1.5551% | 1,405 |
| Credit loss provision to net charge-offs | 223.2364% | 1,339 |
| Earnings coverage of net charge-offs (x) | 0.8158% | 5,315 |
| Efficiency ratio | 77.8031% | 2,738 |
| Assets per employee ($millions) | 3.1926% | 5,690 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.5344% | 266 |
| Loan loss allowance to noncurrent loans | 124.8313% | 2,355 |
| Noncurrent assets plus other real estate owned to assets | 4.3251% | 1,544 |
| Noncurrent loans to loans | 3.6324% | 2,056 |
| Net loans and leases to total assets | 66.4536% | 3,362 |
| Net loans and leases to deposits | 82.4658% | 2,719 |
| Net loans and leases to core deposits | 97.6194% | 1,832 |
| Total domestic deposits to total assets | 80.5833% | 5,663 |
| Equity capital to assets | 9.0923% | 5,000 |
| Core capital (leverage) ratio | 8.3236% | 5,652 |
| Tier 1 risk-based capital ratio | 12.3977% | 5,116 |
| Total risk-based capital ratio | 13.6905% | 5,058 |
| Memoranda: |
| Average total assets | $441,999,200 | 1,509 |
| Average earning assets | $393,759,200 | 1,537 |
| Average equity | $41,472,400 | 1,598 |
| Average total loans | $316,324,000 | 1,419 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7782% | 1,462 |
| Cost of funding earning assets | 1.7986% | 1,428 |
| Net interest margin | 3.9796% | 3,188 |
| Noninterest income to average assets | 0.5297% | 3,943 |
| Noninterest expense to average assets | 3.1583% | 3,076 |
| Loan and lease loss provision to assets | 3.1092% | 267 |
| Net operating income to assets | -1.3126% | 7,039 |
| Return on assets (ROA) | -1.2787% | 7,047 |
| Pretax return on assets | -2.1253% | 7,228 |
| Return on Equity (ROE) | -13.5273% | 7,055 |
| Retained earnings to average equity (ytd only) | -13.5273% | 7,022 |
| Net charge-offs to loans | 1.3056% | 1,561 |
| Credit loss provision to net charge-offs | 330.5759% | 960 |
| Earnings coverage of net charge-offs (x) | 0.9898% | 5,069 |
| Efficiency ratio | 76.8460% | 2,785 |
| Assets per employee ($millions) | 3.2319% | 5,609 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.6767% | 221 |
| Loan loss allowance to noncurrent loans | 107.8256% | 2,600 |
| Noncurrent assets plus other real estate owned to assets | 4.2636% | 1,603 |
| Noncurrent loans to loans | 4.3373% | 1,677 |
| Net loans and leases to total assets | 68.1124% | 3,185 |
| Net loans and leases to deposits | 84.8859% | 2,539 |
| Net loans and leases to core deposits | 102.4320% | 1,612 |
| Total domestic deposits to total assets | 80.2399% | 5,627 |
| Equity capital to assets | 9.2083% | 5,298 |
| Core capital (leverage) ratio | 7.9497% | 6,418 |
| Tier 1 risk-based capital ratio | 11.7481% | 5,688 |
| Total risk-based capital ratio | 13.0437% | 5,628 |
| Memoranda: |
| Average total assets | $445,548,500 | 1,517 |
| Average earning assets | $398,521,500 | 1,543 |
| Average equity | $42,116,250 | 1,574 |
| Average total loans | $320,956,750 | 1,415 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7850% | 1,462 |
| Cost of funding earning assets | 1.8673% | 1,348 |
| Net interest margin | 3.9176% | 3,364 |
| Noninterest income to average assets | 0.5005% | 4,114 |
| Noninterest expense to average assets | 3.0660% | 3,442 |
| Loan and lease loss provision to assets | 2.6495% | 409 |
| Net operating income to assets | -0.9107% | 6,908 |
| Return on assets (ROA) | -0.8996% | 6,922 |
| Pretax return on assets | -1.6856% | 7,143 |
| Return on Equity (ROE) | -9.4366% | 6,948 |
| Retained earnings to average equity (ytd only) | -9.4366% | 6,891 |
| Net charge-offs to loans | 0.3817% | 3,450 |
| Credit loss provision to net charge-offs | 960.9400% | 387 |
| Earnings coverage of net charge-offs (x) | 3.4327% | 3,325 |
| Efficiency ratio | 76.0218% | 3,073 |
| Assets per employee ($millions) | 3.2176% | 5,641 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.9766% | 385 |
| Loan loss allowance to noncurrent loans | 114.6337% | 2,436 |
| Noncurrent assets plus other real estate owned to assets | 3.3601% | 2,092 |
| Noncurrent loans to loans | 3.4689% | 2,284 |
| Net loans and leases to total assets | 69.3532% | 3,046 |
| Net loans and leases to deposits | 86.6362% | 2,412 |
| Net loans and leases to core deposits | 103.1088% | 1,723 |
| Total domestic deposits to total assets | 80.0510% | 5,707 |
| Equity capital to assets | 9.5029% | 4,698 |
| Core capital (leverage) ratio | 8.7801% | 4,950 |
| Tier 1 risk-based capital ratio | 12.5602% | 4,805 |
| Total risk-based capital ratio | 13.8458% | 4,741 |
| Memoranda: |
| Average total assets | $447,552,000 | 1,525 |
| Average earning assets | $401,212,000 | 1,545 |
| Average equity | $42,663,670 | 1,557 |
| Average total loans | $323,253,000 | 1,417 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7079% | 1,749 |
| Cost of funding earning assets | 1.9165% | 1,385 |
| Net interest margin | 3.7914% | 3,828 |
| Noninterest income to average assets | 0.4683% | 4,314 |
| Noninterest expense to average assets | 2.9165% | 3,994 |
| Loan and lease loss provision to assets | 3.4453% | 272 |
| Net operating income to assets | -1.4672% | 7,319 |
| Return on assets (ROA) | -1.4832% | 7,336 |
| Pretax return on assets | -2.5158% | 7,516 |
| Return on Equity (ROE) | -15.5347% | 7,330 |
| Retained earnings to average equity (ytd only) | -15.5347% | 7,232 |
| Net charge-offs to loans | 0.5275% | 2,482 |
| Credit loss provision to net charge-offs | 904.2056% | 507 |
| Earnings coverage of net charge-offs (x) | 2.5047% | 3,286 |
| Efficiency ratio | 74.9310% | 3,417 |
| Assets per employee ($millions) | 3.2229% | 5,715 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.3440% | 609 |
| Loan loss allowance to noncurrent loans | 77.9864% | 3,493 |
| Noncurrent assets plus other real estate owned to assets | 3.6598% | 1,913 |
| Noncurrent loans to loans | 4.2879% | 1,776 |
| Net loans and leases to total assets | 69.7178% | 3,005 |
| Net loans and leases to deposits | 87.7478% | 2,268 |
| Net loans and leases to core deposits | 103.9217% | 1,748 |
| Total domestic deposits to total assets | 79.4524% | 5,974 |
| Equity capital to assets | 9.3734% | 4,717 |
| Core capital (leverage) ratio | 8.6652% | 5,084 |
| Tier 1 risk-based capital ratio | 12.3215% | 4,883 |
| Total risk-based capital ratio | 13.5985% | 4,825 |
| Memoranda: |
| Average total assets | $449,311,500 | 1,558 |
| Average earning assets | $403,232,000 | 1,577 |
| Average equity | $42,897,500 | 1,559 |
| Average total loans | $324,527,500 | 1,452 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.9766% | 1,960 |
| Cost of funding earning assets | 2.2179% | 1,955 |
| Net interest margin | 3.7587% | 3,879 |
| Noninterest income to average assets | 0.5206% | 4,257 |
| Noninterest expense to average assets | 2.9323% | 4,417 |
| Loan and lease loss provision to assets | 1.7597% | 1,297 |
| Net operating income to assets | -0.3552% | 6,036 |
| Return on assets (ROA) | -0.2850% | 5,949 |
| Pretax return on assets | -0.6576% | 6,143 |
| Return on Equity (ROE) | -2.8779% | 5,964 |
| Retained earnings to average equity (ytd only) | -3.7893% | 5,838 |
| Net charge-offs to loans | 1.3572% | 1,841 |
| Credit loss provision to net charge-offs | 173.9072% | 2,429 |
| Earnings coverage of net charge-offs (x) | 0.9808% | 5,133 |
| Efficiency ratio | 74.2928% | 3,837 |
| Assets per employee ($millions) | 3.1959% | 5,729 |
| Cash dividends to net income (ytd only)* | -31.6706% | 7,757 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2994% | 1,484 |
| Loan loss allowance to noncurrent loans | 50.1922% | 5,029 |
| Noncurrent assets plus other real estate owned to assets | 3.8943% | 1,705 |
| Noncurrent loans to loans | 4.5812% | 1,542 |
| Net loans and leases to total assets | 70.6634% | 3,087 |
| Net loans and leases to deposits | 89.5164% | 2,296 |
| Net loans and leases to core deposits | 119.3536% | 1,997 |
| Total domestic deposits to total assets | 78.9391% | 5,995 |
| Equity capital to assets | 9.7228% | 4,114 |
| Core capital (leverage) ratio | 9.2125% | 4,098 |
| Tier 1 risk-based capital ratio | 12.1623% | 4,806 |
| Total risk-based capital ratio | 13.4245% | 4,759 |
| Memoranda: |
| Average total assets | $443,133,800 | 1,571 |
| Average earning assets | $401,333,800 | 1,584 |
| Average equity | $43,886,400 | 1,525 |
| Average total loans | $330,383,600 | 1,459 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.0864% | 1,699 |
| Cost of funding earning assets | 2.2752% | 2,091 |
| Net interest margin | 3.8112% | 3,610 |
| Noninterest income to average assets | 0.5188% | 4,329 |
| Noninterest expense to average assets | 2.8125% | 4,838 |
| Loan and lease loss provision to assets | 2.2168% | 778 |
| Net operating income to assets | -0.5045% | 6,426 |
| Return on assets (ROA) | -0.4235% | 6,346 |
| Pretax return on assets | -0.9265% | 6,625 |
| Return on Equity (ROE) | -4.2561% | 6,366 |
| Retained earnings to average equity (ytd only) | -4.8624% | 6,238 |
| Net charge-offs to loans | 1.2981% | 1,579 |
| Credit loss provision to net charge-offs | 227.3430% | 1,918 |
| Earnings coverage of net charge-offs (x) | 1.1933% | 4,869 |
| Efficiency ratio | 70.3254% | 4,527 |
| Assets per employee ($millions) | 3.2397% | 5,544 |
| Cash dividends to net income (ytd only)* | -14.2450% | 7,799 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.5430% | 1,022 |
| Loan loss allowance to noncurrent loans | 98.8845% | 2,803 |
| Noncurrent assets plus other real estate owned to assets | 2.7561% | 2,521 |
| Noncurrent loans to loans | 2.5717% | 2,934 |
| Net loans and leases to total assets | 71.7072% | 3,109 |
| Net loans and leases to deposits | 91.6283% | 2,302 |
| Net loans and leases to core deposits | 122.9892% | 1,995 |
| Total domestic deposits to total assets | 78.2588% | 6,009 |
| Equity capital to assets | 9.9491% | 4,156 |
| Core capital (leverage) ratio | 9.3607% | 4,099 |
| Tier 1 risk-based capital ratio | 12.1857% | 4,809 |
| Total risk-based capital ratio | 13.4508% | 4,739 |
| Memoranda: |
| Average total assets | $442,062,000 | 1,579 |
| Average earning assets | $401,016,750 | 1,600 |
| Average equity | $43,982,500 | 1,543 |
| Average total loans | $332,078,500 | 1,474 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.1231% | 1,720 |
| Cost of funding earning assets | 2.3397% | 2,201 |
| Net interest margin | 3.7834% | 3,622 |
| Noninterest income to average assets | 0.5188% | 4,279 |
| Noninterest expense to average assets | 2.7771% | 5,058 |
| Loan and lease loss provision to assets | 2.4178% | 656 |
| Net operating income to assets | -0.5894% | 6,645 |
| Return on assets (ROA) | -0.4659% | 6,522 |
| Pretax return on assets | -1.0367% | 6,841 |
| Return on Equity (ROE) | -4.6830% | 6,574 |
| Retained earnings to average equity (ytd only) | -4.6830% | 6,257 |
| Net charge-offs to loans | 1.7914% | 1,054 |
| Credit loss provision to net charge-offs | 178.4523% | 2,567 |
| Earnings coverage of net charge-offs (x) | 0.8769% | 4,874 |
| Efficiency ratio | 69.6262% | 4,856 |
| Assets per employee ($millions) | 3.0722% | 5,942 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9822% | 1,606 |
| Loan loss allowance to noncurrent loans | 130.7832% | 2,249 |
| Noncurrent assets plus other real estate owned to assets | 1.7991% | 3,479 |
| Noncurrent loans to loans | 1.5156% | 4,221 |
| Net loans and leases to total assets | 72.9248% | 2,970 |
| Net loans and leases to deposits | 92.7852% | 2,321 |
| Net loans and leases to core deposits | 126.5754% | 1,813 |
| Total domestic deposits to total assets | 78.5953% | 5,927 |
| Equity capital to assets | 9.7490% | 4,285 |
| Core capital (leverage) ratio | 9.2706% | 4,209 |
| Tier 1 risk-based capital ratio | 11.8285% | 5,075 |
| Total risk-based capital ratio | 13.0862% | 4,982 |
| Memoranda: |
| Average total assets | $442,551,670 | 1,598 |
| Average earning assets | $403,129,000 | 1,607 |
| Average equity | $44,031,670 | 1,549 |
| Average total loans | $334,711,000 | 1,487 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.1155% | 1,892 |
| Cost of funding earning assets | 2.4143% | 2,232 |
| Net interest margin | 3.7011% | 3,886 |
| Noninterest income to average assets | 0.5052% | 4,281 |
| Noninterest expense to average assets | 2.6288% | 5,326 |
| Loan and lease loss provision to assets | 0.4053% | 2,892 |
| Net operating income to assets | 0.6493% | 3,803 |
| Return on assets (ROA) | 0.7493% | 3,529 |
| Pretax return on assets | 0.9924% | 3,377 |
| Return on Equity (ROE) | 7.4564% | 3,398 |
| Retained earnings to average equity (ytd only) | 7.4564% | 2,039 |
| Net charge-offs to loans | 0.7123% | 1,761 |
| Credit loss provision to net charge-offs | 74.6269% | 4,274 |
| Earnings coverage of net charge-offs (x) | 2.3284% | 3,573 |
| Efficiency ratio | 67.1062% | 5,124 |
| Assets per employee ($millions) | 3.1530% | 5,732 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1719% | 4,974 |
| Loan loss allowance to noncurrent loans | 24.6848% | 6,929 |
| Noncurrent assets plus other real estate owned to assets | 4.2843% | 1,161 |
| Noncurrent loans to loans | 4.7474% | 1,170 |
| Net loans and leases to total assets | 74.8530% | 2,541 |
| Net loans and leases to deposits | 95.5590% | 2,019 |
| Net loans and leases to core deposits | 133.5205% | 1,443 |
| Total domestic deposits to total assets | 78.3317% | 5,916 |
| Equity capital to assets | 10.0694% | 3,920 |
| Core capital (leverage) ratio | 9.6649% | 3,798 |
| Tier 1 risk-based capital ratio | 12.3571% | 4,654 |
| Total risk-based capital ratio | 13.4985% | 4,655 |
| Memoranda: |
| Average total assets | $444,163,000 | 1,601 |
| Average earning assets | $406,576,500 | 1,602 |
| Average equity | $44,632,500 | 1,537 |
| Average total loans | $338,637,000 | 1,483 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.5688% | 2,629 |
| Cost of funding earning assets | 2.7151% | 3,090 |
| Net interest margin | 3.8537% | 3,778 |
| Noninterest income to average assets | 0.4877% | 4,718 |
| Noninterest expense to average assets | 2.9739% | 4,170 |
| Loan and lease loss provision to assets | 0.2865% | 4,091 |
| Net operating income to assets | 0.5754% | 4,415 |
| Return on assets (ROA) | 0.6006% | 4,165 |
| Pretax return on assets | 0.7897% | 4,108 |
| Return on Equity (ROE) | 5.6465% | 4,096 |
| Retained earnings to average equity (ytd only) | 0.4848% | 4,952 |
| Net charge-offs to loans | 0.4216% | 2,710 |
| Credit loss provision to net charge-offs | 88.9548% | 5,702 |
| Earnings coverage of net charge-offs (x) | 3.2387% | 4,468 |
| Efficiency ratio | 73.5841% | 3,647 |
| Assets per employee ($millions) | 3.2881% | 5,244 |
| Cash dividends to net income (ytd only)* | 91.4149% | 1,252 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2204% | 4,375 |
| Loan loss allowance to noncurrent loans | 37.4637% | 6,226 |
| Noncurrent assets plus other real estate owned to assets | 3.2197% | 1,417 |
| Noncurrent loans to loans | 3.2576% | 1,606 |
| Net loans and leases to total assets | 75.8140% | 2,675 |
| Net loans and leases to deposits | 97.2083% | 2,250 |
| Net loans and leases to core deposits | 132.6195% | 1,681 |
| Total domestic deposits to total assets | 77.9912% | 5,717 |
| Equity capital to assets | 10.0276% | 4,006 |
| Core capital (leverage) ratio | 9.8755% | 3,571 |
| Tier 1 risk-based capital ratio | 12.1295% | 4,720 |
| Total risk-based capital ratio | 13.3167% | 4,652 |
| Memoranda: |
| Average total assets | $418,907,400 | 1,623 |
| Average earning assets | $383,631,600 | 1,625 |
| Average equity | $44,558,400 | 1,513 |
| Average total loans | $319,949,600 | 1,517 |
