| 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 | 4.9342% | 1,029 |
| Cost of funding earning assets | 1.4244% | 65 |
| Net interest margin | 3.5098% | 3,854 |
| Noninterest income to average assets | 0.0950% | 6,407 |
| Noninterest expense to average assets | 6.9344% | 149 |
| Loan and lease loss provision to assets | -0.5118% | 6,747 |
| Net operating income to assets | -8.2643% | 6,807 |
| Return on assets (ROA) | -7.8432% | 6,805 |
| Pretax return on assets | -3.6292% | 6,778 |
| Return on Equity (ROE) | -31.7384% | 6,732 |
| Retained earnings to average equity (ytd only) | -31.7384% | 6,728 |
| Net charge-offs to loans | 3.8092% | 43 |
| Credit loss provision to net charge-offs | -31.9817% | 5,747 |
| Earnings coverage of net charge-offs (x) | -2.8510% | 5,351 |
| Efficiency ratio | 292.3021% | 12 |
| Assets per employee ($millions) | 0.3280% | 6,788 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) |
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,772 |
| Net loans and leases to deposits | NA | NA |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.0000% | 6,820 |
| Equity capital to assets | 9.1932% | 4,811 |
| Core capital (leverage) ratio | 1.1314% | 6,805 |
| Tier 1 risk-based capital ratio | 27.0718% | 673 |
| Total risk-based capital ratio | 27.0718% | 766 |
| Memoranda: |
| Average total assets | $232,723,000 | 2,695 |
| Average earning assets | $151,006,200 | 3,482 |
| Average equity | $57,510,800 | 1,249 |
| Average total loans | $97,763,800 | 3,508 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0879% | 790 |
| Cost of funding earning assets | 1.5194% | 50 |
| Net interest margin | 3.5685% | 3,589 |
| Noninterest income to average assets | 0.6831% | 2,719 |
| Noninterest expense to average assets | 4.4497% | 548 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | -1.5199% | 6,766 |
| Return on assets (ROA) | -1.0691% | 6,713 |
| Pretax return on assets | -0.9918% | 6,696 |
| Return on Equity (ROE) | -4.3162% | 6,585 |
| Retained earnings to average equity (ytd only) | -4.3162% | 6,463 |
| Net charge-offs to loans | 2.7232% | 102 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | -1.2564% | 5,030 |
| Efficiency ratio | 147.9731% | 79 |
| Assets per employee ($millions) | 2.6833% | 6,291 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) |
| Loss allowance to loans | 10.4088% | 9 |
| Loan loss allowance to noncurrent loans | 97.9352% | 3,521 |
| Noncurrent assets plus other real estate owned to assets | 3.5405% | 955 |
| Noncurrent loans to loans | 10.6282% | 111 |
| Net loans and leases to total assets | 29.8445% | 6,539 |
| Net loans and leases to deposits | NA | NA |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.0000% | 6,897 |
| Equity capital to assets | 99.2088% | 2 |
| Core capital (leverage) ratio | 46.0147% | 40 |
| Tier 1 risk-based capital ratio | 176.4243% | 30 |
| Total risk-based capital ratio | 177.7395% | 30 |
| Memoranda: |
| Average total assets | $289,837,750 | 2,218 |
| Average earning assets | $188,757,750 | 2,992 |
| Average equity | $71,790,500 | 1,000 |
| Average total loans | $122,204,750 | 3,018 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3551% | 478 |
| Cost of funding earning assets | 0.8099% | 1,368 |
| Net interest margin | 4.5453% | 654 |
| Noninterest income to average assets | 0.7318% | 2,493 |
| Noninterest expense to average assets | 3.3717% | 1,887 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | -0.0328% | 6,337 |
| Return on assets (ROA) | 0.6167% | 4,375 |
| Pretax return on assets | 1.4378% | 1,807 |
| Return on Equity (ROE) | 3.0833% | 5,591 |
| Retained earnings to average equity (ytd only) | 3.0833% | 4,358 |
| Net charge-offs to loans | 2.6380% | 135 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 0.3752% | 4,414 |
| Efficiency ratio | 88.8550% | 1,142 |
| Assets per employee ($millions) | 6.3121% | 1,001 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) |
| Loss allowance to loans | 6.0601% | 58 |
| Loan loss allowance to noncurrent loans | 210.2639% | 1,910 |
| Noncurrent assets plus other real estate owned to assets | 0.4410% | 5,175 |
| Noncurrent loans to loans | 2.8821% | 1,563 |
| Net loans and leases to total assets | 14.3740% | 6,855 |
| Net loans and leases to deposits | 20.7118% | 6,834 |
| Net loans and leases to core deposits | 21.7042% | 6,826 |
| Total domestic deposits to total assets | 67.1560% | 6,736 |
| Equity capital to assets | 23.4100% | 110 |
| Core capital (leverage) ratio | 19.7534% | 202 |
| Tier 1 risk-based capital ratio | 122.2791% | 40 |
| Total risk-based capital ratio | 123.5632% | 40 |
| Memoranda: |
| Average total assets | $363,195,330 | 1,807 |
| Average earning assets | $244,736,670 | 2,404 |
| Average equity | $72,649,670 | 990 |
| Average total loans | $155,193,000 | 2,501 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4797% | 2,238 |
| Cost of funding earning assets | 0.4103% | 5,007 |
| Net interest margin | 4.0693% | 1,562 |
| Noninterest income to average assets | 0.6664% | 2,780 |
| Noninterest expense to average assets | 2.6862% | 4,123 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.8711% | 2,801 |
| Return on assets (ROA) | 0.8120% | 3,231 |
| Pretax return on assets | 1.3554% | 2,022 |
| Return on Equity (ROE) | 4.3534% | 4,923 |
| Retained earnings to average equity (ytd only) | 4.3534% | 3,624 |
| Net charge-offs to loans | 1.6373% | 314 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 1.6495% | 3,277 |
| Efficiency ratio | 64.9802% | 4,826 |
| Assets per employee ($millions) | 6.5970% | 941 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0391% | 1,941 |
| Loan loss allowance to noncurrent loans | 173.0917% | 2,119 |
| Noncurrent assets plus other real estate owned to assets | 0.6129% | 4,856 |
| Noncurrent loans to loans | 1.1781% | 3,808 |
| Net loans and leases to total assets | 50.9631% | 4,850 |
| Net loans and leases to deposits | 67.8899% | 3,786 |
| Net loans and leases to core deposits | 75.3185% | 3,410 |
| Total domestic deposits to total assets | 72.3560% | 6,640 |
| Equity capital to assets | 19.1584% | 256 |
| Core capital (leverage) ratio | 18.2616% | 270 |
| Tier 1 risk-based capital ratio | 30.2772% | 518 |
| Total risk-based capital ratio | 31.5335% | 512 |
| Memoranda: |
| Average total assets | $390,145,500 | 1,713 |
| Average earning assets | $332,436,500 | 1,821 |
| Average equity | $72,771,500 | 1,001 |
| Average total loans | $209,126,500 | 1,952 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1410% | 1,229 |
| Cost of funding earning assets | 0.4833% | 5,329 |
| Net interest margin | 4.6577% | 704 |
| Noninterest income to average assets | 0.6357% | 3,078 |
| Noninterest expense to average assets | 3.0664% | 3,023 |
| Loan and lease loss provision to assets | 0.2165% | 2,968 |
| Net operating income to assets | 0.9418% | 2,592 |
| Return on assets (ROA) | 1.1939% | 1,789 |
| Pretax return on assets | 1.7067% | 1,124 |
| Return on Equity (ROE) | 6.8199% | 3,750 |
| Retained earnings to average equity (ytd only) | 6.8199% | 1,660 |
| Net charge-offs to loans | 0.6458% | 1,823 |
| Credit loss provision to net charge-offs | 60.0840% | 4,441 |
| Earnings coverage of net charge-offs (x) | 4.3375% | 3,407 |
| Efficiency ratio | 66.2360% | 4,455 |
| Assets per employee ($millions) | 6.7401% | 879 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2423% | 1,473 |
| Loan loss allowance to noncurrent loans | 154.3171% | 2,315 |
| Noncurrent assets plus other real estate owned to assets | 0.8009% | 4,467 |
| Noncurrent loans to loans | 1.4530% | 3,419 |
| Net loans and leases to total assets | 53.8848% | 4,632 |
| Net loans and leases to deposits | 72.9596% | 3,253 |
| Net loans and leases to core deposits | 81.0685% | 2,871 |
| Total domestic deposits to total assets | 71.3042% | 6,725 |
| Equity capital to assets | 18.1655% | 314 |
| Core capital (leverage) ratio | 17.1512% | 338 |
| Tier 1 risk-based capital ratio | 28.0506% | 627 |
| Total risk-based capital ratio | 29.3097% | 607 |
| Memoranda: |
| Average total assets | $396,267,600 | 1,652 |
| Average earning assets | $339,777,800 | 1,749 |
| Average equity | $69,370,400 | 1,015 |
| Average total loans | $221,138,000 | 1,827 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1966% | 1,199 |
| Cost of funding earning assets | 0.4899% | 5,508 |
| Net interest margin | 4.7067% | 666 |
| Noninterest income to average assets | 0.7247% | 2,598 |
| Noninterest expense to average assets | 2.9945% | 3,252 |
| Loan and lease loss provision to assets | 0.2889% | 2,264 |
| Net operating income to assets | 0.9793% | 2,610 |
| Return on assets (ROA) | 1.0113% | 2,676 |
| Pretax return on assets | 1.5212% | 1,804 |
| Return on Equity (ROE) | 5.8320% | 4,414 |
| Retained earnings to average equity (ytd only) | 5.8320% | 2,803 |
| Net charge-offs to loans | 0.3297% | 2,813 |
| Credit loss provision to net charge-offs | 156.5693% | 1,796 |
| Earnings coverage of net charge-offs (x) | 9.5456% | 2,312 |
| Efficiency ratio | 62.9611% | 4,983 |
| Assets per employee ($millions) | 7.0371% | 729 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.7825% | 897 |
| Loan loss allowance to noncurrent loans | 261.2714% | 1,409 |
| Noncurrent assets plus other real estate owned to assets | 0.5393% | 5,329 |
| Noncurrent loans to loans | 1.0650% | 4,309 |
| Net loans and leases to total assets | 48.7669% | 5,455 |
| Net loans and leases to deposits | 64.8891% | 4,608 |
| Net loans and leases to core deposits | 72.1380% | 4,230 |
| Total domestic deposits to total assets | 72.8433% | 6,688 |
| Equity capital to assets | 17.0988% | 445 |
| Core capital (leverage) ratio | 17.2336% | 354 |
| Tier 1 risk-based capital ratio | 28.0720% | 653 |
| Total risk-based capital ratio | 29.3359% | 634 |
| Memoranda: |
| Average total assets | $395,918,250 | 1,675 |
| Average earning assets | $339,110,000 | 1,779 |
| Average equity | $68,653,500 | 1,032 |
| Average total loans | $221,623,500 | 1,841 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3424% | 971 |
| Cost of funding earning assets | 0.5010% | 5,610 |
| Net interest margin | 4.8414% | 526 |
| Noninterest income to average assets | 0.7471% | 2,429 |
| Noninterest expense to average assets | 2.9597% | 3,410 |
| Loan and lease loss provision to assets | 0.4149% | 1,582 |
| Net operating income to assets | 0.9382% | 2,721 |
| Return on assets (ROA) | 0.9777% | 2,793 |
| Pretax return on assets | 1.6175% | 1,497 |
| Return on Equity (ROE) | 5.6104% | 4,522 |
| Retained earnings to average equity (ytd only) | 5.6104% | 2,924 |
| Net charge-offs to loans | 0.4671% | 2,198 |
| Credit loss provision to net charge-offs | 153.0303% | 1,811 |
| Earnings coverage of net charge-offs (x) | 7.2689% | 2,509 |
| Efficiency ratio | 60.0292% | 5,571 |
| Assets per employee ($millions) | 6.7571% | 831 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.7683% | 974 |
| Loan loss allowance to noncurrent loans | 159.2541% | 2,106 |
| Noncurrent assets plus other real estate owned to assets | 0.9237% | 4,522 |
| Noncurrent loans to loans | 1.7383% | 3,296 |
| Net loans and leases to total assets | 51.6657% | 5,139 |
| Net loans and leases to deposits | 69.9632% | 3,904 |
| Net loans and leases to core deposits | 79.2690% | 3,330 |
| Total domestic deposits to total assets | 70.8121% | 6,864 |
| Equity capital to assets | 17.6075% | 377 |
| Core capital (leverage) ratio | 17.8254% | 297 |
| Tier 1 risk-based capital ratio | 28.5357% | 607 |
| Total risk-based capital ratio | 29.8003% | 593 |
| Memoranda: |
| Average total assets | $389,495,330 | 1,700 |
| Average earning assets | $336,553,330 | 1,788 |
| Average equity | $67,874,000 | 1,034 |
| Average total loans | $226,075,000 | 1,804 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3590% | 989 |
| Cost of funding earning assets | 0.5157% | 5,716 |
| Net interest margin | 4.8432% | 519 |
| Noninterest income to average assets | 0.7263% | 2,524 |
| Noninterest expense to average assets | 3.0101% | 3,206 |
| Loan and lease loss provision to assets | 0.4718% | 1,297 |
| Net operating income to assets | 0.8740% | 3,036 |
| Return on assets (ROA) | 0.8746% | 3,259 |
| Pretax return on assets | 1.4536% | 2,011 |
| Return on Equity (ROE) | 5.0455% | 4,767 |
| Retained earnings to average equity (ytd only) | 5.0455% | 3,532 |
| Net charge-offs to loans | 0.0374% | 4,175 |
| Credit loss provision to net charge-offs | 2,081.8182% | 149 |
| Earnings coverage of net charge-offs (x) | 84.9091% | 403 |
| Efficiency ratio | 61.0021% | 5,454 |
| Assets per employee ($millions) | 6.6447% | 905 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.6112% | 1,209 |
| Loan loss allowance to noncurrent loans | 91.7842% | 3,287 |
| Noncurrent assets plus other real estate owned to assets | 1.6455% | 3,385 |
| Noncurrent loans to loans | 2.8449% | 2,270 |
| Net loans and leases to total assets | 56.3299% | 4,325 |
| Net loans and leases to deposits | 75.5689% | 2,871 |
| Net loans and leases to core deposits | 85.5306% | 2,343 |
| Total domestic deposits to total assets | 71.6480% | 6,898 |
| Equity capital to assets | 17.3299% | 391 |
| Core capital (leverage) ratio | 17.6054% | 317 |
| Tier 1 risk-based capital ratio | 25.5235% | 851 |
| Total risk-based capital ratio | 26.7862% | 829 |
| Memoranda: |
| Average total assets | $388,287,000 | 1,711 |
| Average earning assets | $337,377,500 | 1,791 |
| Average equity | $67,308,000 | 1,039 |
| Average total loans | $234,988,000 | 1,759 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0947% | 2,475 |
| Cost of funding earning assets | 0.7251% | 5,373 |
| Net interest margin | 4.3696% | 1,478 |
| Noninterest income to average assets | 0.8028% | 2,043 |
| Noninterest expense to average assets | 3.1774% | 2,945 |
| Loan and lease loss provision to assets | 1.0125% | 933 |
| Net operating income to assets | 0.3498% | 5,066 |
| Return on assets (ROA) | 0.9835% | 2,406 |
| Pretax return on assets | 0.9990% | 3,253 |
| Return on Equity (ROE) | 6.1846% | 3,777 |
| Retained earnings to average equity (ytd only) | 6.1846% | 1,915 |
| Net charge-offs to loans | 1.5216% | 1,054 |
| Credit loss provision to net charge-offs | 109.0741% | 3,078 |
| Earnings coverage of net charge-offs (x) | 1.4704% | 4,665 |
| Efficiency ratio | 69.9519% | 3,970 |
| Assets per employee ($millions) | 6.4089% | 1,002 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2552% | 1,698 |
| Loan loss allowance to noncurrent loans | 121.1084% | 2,583 |
| Noncurrent assets plus other real estate owned to assets | 1.1778% | 4,276 |
| Noncurrent loans to loans | 1.8621% | 3,398 |
| Net loans and leases to total assets | 61.8240% | 3,635 |
| Net loans and leases to deposits | 83.0971% | 2,055 |
| Net loans and leases to core deposits | 96.3692% | 1,466 |
| Total domestic deposits to total assets | 71.7898% | 6,883 |
| Equity capital to assets | 17.3394% | 408 |
| Core capital (leverage) ratio | 16.3098% | 432 |
| Tier 1 risk-based capital ratio | 26.9340% | 714 |
| Total risk-based capital ratio | 28.1956% | 686 |
| Memoranda: |
| Average total assets | $407,225,000 | 1,595 |
| Average earning assets | $348,499,000 | 1,701 |
| Average equity | $64,757,200 | 1,043 |
| Average total loans | $248,418,800 | 1,683 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9777% | 3,200 |
| Cost of funding earning assets | 0.7228% | 5,640 |
| Net interest margin | 4.2548% | 1,894 |
| Noninterest income to average assets | 0.8551% | 1,819 |
| Noninterest expense to average assets | 3.1794% | 2,882 |
| Loan and lease loss provision to assets | 1.0085% | 847 |
| Net operating income to assets | 0.3991% | 5,011 |
| Return on assets (ROA) | 1.0640% | 2,233 |
| Pretax return on assets | 0.9684% | 3,525 |
| Return on Equity (ROE) | 6.8348% | 3,593 |
| Retained earnings to average equity (ytd only) | 6.8348% | 2,055 |
| Net charge-offs to loans | 1.0214% | 1,571 |
| Credit loss provision to net charge-offs | 163.2514% | 1,876 |
| Earnings coverage of net charge-offs (x) | 2.1239% | 4,077 |
| Efficiency ratio | 70.7887% | 3,789 |
| Assets per employee ($millions) | 6.5365% | 929 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4701% | 1,437 |
| Loan loss allowance to noncurrent loans | 93.0434% | 3,143 |
| Noncurrent assets plus other real estate owned to assets | 1.6322% | 3,638 |
| Noncurrent loans to loans | 2.6548% | 2,620 |
| Net loans and leases to total assets | 59.9612% | 4,133 |
| Net loans and leases to deposits | 80.1829% | 2,626 |
| Net loans and leases to core deposits | 95.9492% | 1,611 |
| Total domestic deposits to total assets | 72.1472% | 6,927 |
| Equity capital to assets | 15.7908% | 672 |
| Core capital (leverage) ratio | 15.8858% | 518 |
| Tier 1 risk-based capital ratio | 24.2539% | 986 |
| Total risk-based capital ratio | 25.5188% | 969 |
| Memoranda: |
| Average total assets | $412,897,500 | 1,582 |
| Average earning assets | $352,875,000 | 1,682 |
| Average equity | $64,277,500 | 1,055 |
| Average total loans | $249,718,500 | 1,692 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7896% | 4,134 |
| Cost of funding earning assets | 0.7190% | 5,840 |
| Net interest margin | 4.0707% | 2,530 |
| Noninterest income to average assets | 0.9249% | 1,560 |
| Noninterest expense to average assets | 3.1001% | 3,257 |
| Loan and lease loss provision to assets | 0.8908% | 1,006 |
| Net operating income to assets | 0.2800% | 5,451 |
| Return on assets (ROA) | 0.8281% | 3,062 |
| Pretax return on assets | 1.3243% | 2,064 |
| Return on Equity (ROE) | 5.3452% | 4,285 |
| Retained earnings to average equity (ytd only) | 5.3452% | 2,778 |
| Net charge-offs to loans | 1.4748% | 1,011 |
| Credit loss provision to net charge-offs | 100.4388% | 3,090 |
| Earnings coverage of net charge-offs (x) | 1.5321% | 4,142 |
| Efficiency ratio | 69.5254% | 4,201 |
| Assets per employee ($millions) | 6.5895% | 887 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0161% | 2,322 |
| Loan loss allowance to noncurrent loans | 82.7736% | 3,407 |
| Noncurrent assets plus other real estate owned to assets | 1.5232% | 3,916 |
| Noncurrent loans to loans | 2.4356% | 2,951 |
| Net loans and leases to total assets | 61.2769% | 4,029 |
| Net loans and leases to deposits | 82.9307% | 2,292 |
| Net loans and leases to core deposits | 101.8834% | 1,185 |
| Total domestic deposits to total assets | 69.8871% | 7,118 |
| Equity capital to assets | 15.8247% | 637 |
| Core capital (leverage) ratio | 15.5468% | 570 |
| Tier 1 risk-based capital ratio | 24.9851% | 904 |
| Total risk-based capital ratio | 26.2443% | 890 |
| Memoranda: |
| Average total assets | $411,083,670 | 1,599 |
| Average earning assets | $356,895,000 | 1,673 |
| Average equity | $63,683,670 | 1,064 |
| Average total loans | $247,226,670 | 1,725 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3691% | 5,792 |
| Cost of funding earning assets | 0.7097% | 6,085 |
| Net interest margin | 3.6594% | 4,286 |
| Noninterest income to average assets | 0.5277% | 3,669 |
| Noninterest expense to average assets | 2.9315% | 3,938 |
| Loan and lease loss provision to assets | 0.5442% | 1,591 |
| Net operating income to assets | 0.1764% | 5,868 |
| Return on assets (ROA) | 0.7101% | 3,542 |
| Pretax return on assets | 1.0205% | 3,059 |
| Return on Equity (ROE) | 4.6329% | 4,586 |
| Retained earnings to average equity (ytd only) | 4.6329% | 3,407 |
| Net charge-offs to loans | 0.6549% | 1,896 |
| Credit loss provision to net charge-offs | 140.9548% | 1,994 |
| Earnings coverage of net charge-offs (x) | 2.0779% | 3,259 |
| Efficiency ratio | 78.5139% | 2,764 |
| Assets per employee ($millions) | 6.4592% | 946 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2602% | 1,839 |
| Loan loss allowance to noncurrent loans | 96.0884% | 2,981 |
| Noncurrent assets plus other real estate owned to assets | 1.3358% | 4,296 |
| Noncurrent loans to loans | 2.3522% | 3,134 |
| Net loans and leases to total assets | 55.5050% | 5,076 |
| Net loans and leases to deposits | 74.3996% | 3,700 |
| Net loans and leases to core deposits | 89.8810% | 2,365 |
| Total domestic deposits to total assets | 71.5015% | 7,109 |
| Equity capital to assets | 15.3970% | 684 |
| Core capital (leverage) ratio | 15.7356% | 548 |
| Tier 1 risk-based capital ratio | 25.2970% | 847 |
| Total risk-based capital ratio | 26.5576% | 829 |
| Memoranda: |
| Average total assets | $412,349,500 | 1,606 |
| Average earning assets | $361,264,000 | 1,664 |
| Average equity | $63,199,500 | 1,061 |
| Average total loans | $243,090,500 | 1,770 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6169% | 1,831 |
| Cost of funding earning assets | 0.9168% | 6,096 |
| Net interest margin | 4.7000% | 817 |
| Noninterest income to average assets | 0.5317% | 3,941 |
| Noninterest expense to average assets | 3.5046% | 2,159 |
| Loan and lease loss provision to assets | 1.5368% | 957 |
| Net operating income to assets | -0.7135% | 6,528 |
| Return on assets (ROA) | 0.9160% | 2,455 |
| Pretax return on assets | 0.7911% | 3,667 |
| Return on Equity (ROE) | 6.2631% | 3,472 |
| Retained earnings to average equity (ytd only) | 6.2631% | 1,687 |
| Net charge-offs to loans | 2.7788% | 637 |
| Credit loss provision to net charge-offs | 92.6076% | 5,012 |
| Earnings coverage of net charge-offs (x) | 0.4209% | 5,688 |
| Efficiency ratio | 83.3827% | 2,000 |
| Assets per employee ($millions) | 6.3279% | 1,024 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0455% | 2,188 |
| Loan loss allowance to noncurrent loans | 151.3537% | 1,969 |
| Noncurrent assets plus other real estate owned to assets | 0.8261% | 5,344 |
| Noncurrent loans to loans | 1.3515% | 4,457 |
| Net loans and leases to total assets | 59.8770% | 4,701 |
| Net loans and leases to deposits | 80.8171% | 3,024 |
| Net loans and leases to core deposits | 102.4962% | 1,415 |
| Total domestic deposits to total assets | 70.9482% | 7,178 |
| Equity capital to assets | 15.2560% | 734 |
| Core capital (leverage) ratio | 15.5918% | 562 |
| Tier 1 risk-based capital ratio | 25.4706% | 805 |
| Total risk-based capital ratio | 26.7307% | 778 |
| Memoranda: |
| Average total assets | $417,368,600 | 1,590 |
| Average earning assets | $326,018,600 | 1,827 |
| Average equity | $61,040,000 | 1,091 |
| Average total loans | $249,248,000 | 1,766 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7631% | 1,502 |
| Cost of funding earning assets | 0.9680% | 6,090 |
| Net interest margin | 4.7951% | 683 |
| Noninterest income to average assets | 0.4657% | 4,444 |
| Noninterest expense to average assets | 3.4984% | 2,038 |
| Loan and lease loss provision to assets | 1.4231% | 947 |
| Net operating income to assets | -0.7321% | 6,750 |
| Return on assets (ROA) | 1.0743% | 2,098 |
| Pretax return on assets | 0.9708% | 3,290 |
| Return on Equity (ROE) | 7.4240% | 3,138 |
| Retained earnings to average equity (ytd only) | 7.4240% | 1,631 |
| Net charge-offs to loans | 2.7298% | 595 |
| Credit loss provision to net charge-offs | 87.8044% | 4,861 |
| Earnings coverage of net charge-offs (x) | 0.3625% | 5,666 |
| Efficiency ratio | 85.6197% | 1,673 |
| Assets per employee ($millions) | 5.8948% | 1,303 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2516% | 1,697 |
| Loan loss allowance to noncurrent loans | 48.1818% | 5,081 |
| Noncurrent assets plus other real estate owned to assets | 2.7443% | 2,640 |
| Noncurrent loans to loans | 4.6731% | 1,520 |
| Net loans and leases to total assets | 56.1835% | 5,524 |
| Net loans and leases to deposits | 76.8392% | 4,033 |
| Net loans and leases to core deposits | 95.6027% | 2,307 |
| Total domestic deposits to total assets | 69.8751% | 7,281 |
| Equity capital to assets | 16.1254% | 650 |
| Core capital (leverage) ratio | 15.1948% | 676 |
| Tier 1 risk-based capital ratio | 25.4162% | 829 |
| Total risk-based capital ratio | 26.6770% | 807 |
| Memoranda: |
| Average total assets | $418,882,500 | 1,610 |
| Average earning assets | $316,257,500 | 1,904 |
| Average equity | $60,612,500 | 1,101 |
| Average total loans | $248,703,750 | 1,789 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6201% | 2,065 |
| Cost of funding earning assets | 0.9766% | 6,253 |
| Net interest margin | 4.6436% | 906 |
| Noninterest income to average assets | 0.4608% | 4,428 |
| Noninterest expense to average assets | 3.4811% | 2,070 |
| Loan and lease loss provision to assets | 1.2224% | 1,147 |
| Net operating income to assets | -0.4813% | 6,634 |
| Return on assets (ROA) | 0.8530% | 2,870 |
| Pretax return on assets | 1.2770% | 2,164 |
| Return on Equity (ROE) | 6.1064% | 3,756 |
| Retained earnings to average equity (ytd only) | 6.1064% | 2,275 |
| Net charge-offs to loans | 2.4274% | 718 |
| Credit loss provision to net charge-offs | 84.0064% | 4,588 |
| Earnings coverage of net charge-offs (x) | 0.3490% | 5,377 |
| Efficiency ratio | 87.2676% | 1,583 |
| Assets per employee ($millions) | 5.9934% | 1,236 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1179% | 1,932 |
| Loan loss allowance to noncurrent loans | 89.4984% | 3,035 |
| Noncurrent assets plus other real estate owned to assets | 1.4477% | 4,286 |
| Noncurrent loans to loans | 2.3664% | 3,298 |
| Net loans and leases to total assets | 57.6227% | 5,470 |
| Net loans and leases to deposits | 77.8566% | 3,999 |
| Net loans and leases to core deposits | 97.2141% | 2,308 |
| Total domestic deposits to total assets | 70.9512% | 7,266 |
| Equity capital to assets | 14.8147% | 919 |
| Core capital (leverage) ratio | 14.6768% | 788 |
| Tier 1 risk-based capital ratio | 23.8036% | 961 |
| Total risk-based capital ratio | 25.0629% | 941 |
| Memoranda: |
| Average total assets | $428,824,330 | 1,593 |
| Average earning assets | $325,828,000 | 1,867 |
| Average equity | $59,904,330 | 1,107 |
| Average total loans | $257,064,670 | 1,770 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3882% | 3,093 |
| Cost of funding earning assets | 1.0031% | 6,363 |
| Net interest margin | 4.3851% | 1,432 |
| Noninterest income to average assets | 0.4573% | 4,402 |
| Noninterest expense to average assets | 3.4303% | 2,158 |
| Loan and lease loss provision to assets | 1.0035% | 1,244 |
| Net operating income to assets | -0.4120% | 6,769 |
| Return on assets (ROA) | 0.6598% | 3,727 |
| Pretax return on assets | 0.9650% | 3,220 |
| Return on Equity (ROE) | 4.8629% | 4,440 |
| Retained earnings to average equity (ytd only) | 4.8629% | 3,233 |
| Net charge-offs to loans | 1.9161% | 900 |
| Credit loss provision to net charge-offs | 86.6297% | 3,734 |
| Earnings coverage of net charge-offs (x) | 0.3386% | 4,736 |
| Efficiency ratio | 89.7387% | 1,451 |
| Assets per employee ($millions) | 6.0633% | 1,216 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1436% | 1,866 |
| Loan loss allowance to noncurrent loans | 128.8096% | 2,157 |
| Noncurrent assets plus other real estate owned to assets | 1.0418% | 5,058 |
| Noncurrent loans to loans | 1.6641% | 4,252 |
| Net loans and leases to total assets | 58.1754% | 5,401 |
| Net loans and leases to deposits | 77.7109% | 4,099 |
| Net loans and leases to core deposits | 98.5410% | 2,289 |
| Total domestic deposits to total assets | 72.2111% | 7,243 |
| Equity capital to assets | 13.8768% | 1,180 |
| Core capital (leverage) ratio | 13.9955% | 966 |
| Tier 1 risk-based capital ratio | 22.2288% | 1,172 |
| Total risk-based capital ratio | 23.4885% | 1,149 |
| Memoranda: |
| Average total assets | $436,465,500 | 1,604 |
| Average earning assets | $334,955,000 | 1,869 |
| Average equity | $59,224,000 | 1,122 |
| Average total loans | $263,872,000 | 1,779 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5363% | 3,947 |
| Cost of funding earning assets | 1.2769% | 6,387 |
| Net interest margin | 4.2593% | 1,857 |
| Noninterest income to average assets | 0.9527% | 1,739 |
| Noninterest expense to average assets | 3.3447% | 2,856 |
| Loan and lease loss provision to assets | 1.0871% | 2,102 |
| Net operating income to assets | 0.0374% | 5,372 |
| Return on assets (ROA) | 0.5028% | 3,812 |
| Pretax return on assets | 0.3612% | 4,609 |
| Return on Equity (ROE) | 4.9237% | 3,701 |
| Retained earnings to average equity (ytd only) | 4.9237% | 1,859 |
| Net charge-offs to loans | 1.5465% | 1,628 |
| Credit loss provision to net charge-offs | 112.7643% | 4,865 |
| Earnings coverage of net charge-offs (x) | 1.0196% | 5,095 |
| Efficiency ratio | 77.2874% | 3,311 |
| Assets per employee ($millions) | 6.3205% | 1,069 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0805% | 1,858 |
| Loan loss allowance to noncurrent loans | 113.5770% | 2,468 |
| Noncurrent assets plus other real estate owned to assets | 1.1886% | 4,724 |
| Noncurrent loans to loans | 1.8318% | 3,880 |
| Net loans and leases to total assets | 60.1581% | 5,313 |
| Net loans and leases to deposits | 81.3135% | 3,734 |
| Net loans and leases to core deposits | 115.8496% | 2,336 |
| Total domestic deposits to total assets | 69.8673% | 7,439 |
| Equity capital to assets | 13.2695% | 1,405 |
| Core capital (leverage) ratio | 12.6121% | 1,401 |
| Tier 1 risk-based capital ratio | 20.9648% | 1,301 |
| Total risk-based capital ratio | 22.2243% | 1,269 |
| Memoranda: |
| Average total assets | $529,853,600 | 1,299 |
| Average earning assets | $419,829,800 | 1,507 |
| Average equity | $54,106,200 | 1,220 |
| Average total loans | $330,297,400 | 1,461 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5322% | 4,262 |
| Cost of funding earning assets | 1.3074% | 6,536 |
| Net interest margin | 4.2249% | 1,957 |
| Noninterest income to average assets | 1.0099% | 1,568 |
| Noninterest expense to average assets | 3.4203% | 2,509 |
| Loan and lease loss provision to assets | 0.8690% | 2,210 |
| Net operating income to assets | 0.3584% | 4,558 |
| Return on assets (ROA) | 0.5000% | 4,074 |
| Pretax return on assets | 0.2337% | 5,220 |
| Return on Equity (ROE) | 5.2093% | 3,873 |
| Retained earnings to average equity (ytd only) | 5.2093% | 2,364 |
| Net charge-offs to loans | 0.7859% | 2,398 |
| Credit loss provision to net charge-offs | 176.8815% | 2,610 |
| Earnings coverage of net charge-offs (x) | 1.9562% | 4,348 |
| Efficiency ratio | 78.0640% | 3,157 |
| Assets per employee ($millions) | 6.2240% | 1,108 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1550% | 1,498 |
| Loan loss allowance to noncurrent loans | 42.2278% | 5,507 |
| Noncurrent assets plus other real estate owned to assets | 3.0466% | 2,269 |
| Noncurrent loans to loans | 5.1032% | 1,269 |
| Net loans and leases to total assets | 58.4140% | 5,827 |
| Net loans and leases to deposits | 77.0684% | 4,891 |
| Net loans and leases to core deposits | 113.5069% | 2,881 |
| Total domestic deposits to total assets | 69.3252% | 7,468 |
| Equity capital to assets | 11.3565% | 2,707 |
| Core capital (leverage) ratio | 11.5014% | 2,074 |
| Tier 1 risk-based capital ratio | 18.2720% | 1,917 |
| Total risk-based capital ratio | 19.5249% | 1,862 |
| Memoranda: |
| Average total assets | $551,708,000 | 1,267 |
| Average earning assets | $440,268,750 | 1,445 |
| Average equity | $52,955,500 | 1,266 |
| Average total loans | $344,917,750 | 1,417 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4584% | 4,854 |
| Cost of funding earning assets | 1.3199% | 6,736 |
| Net interest margin | 4.1384% | 2,202 |
| Noninterest income to average assets | 0.5061% | 4,396 |
| Noninterest expense to average assets | 3.4763% | 2,414 |
| Loan and lease loss provision to assets | 0.4357% | 3,375 |
| Net operating income to assets | 0.1834% | 5,324 |
| Return on assets (ROA) | -0.2614% | 6,287 |
| Pretax return on assets | -0.7431% | 6,641 |
| Return on Equity (ROE) | -2.8818% | 6,349 |
| Retained earnings to average equity (ytd only) | -2.8818% | 5,947 |
| Net charge-offs to loans | 0.7753% | 2,129 |
| Credit loss provision to net charge-offs | 88.6969% | 4,962 |
| Earnings coverage of net charge-offs (x) | 0.7891% | 4,944 |
| Efficiency ratio | 89.9680% | 1,815 |
| Assets per employee ($millions) | 6.0254% | 1,200 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4881% | 3,260 |
| Loan loss allowance to noncurrent loans | 34.5009% | 6,147 |
| Noncurrent assets plus other real estate owned to assets | 2.7752% | 2,319 |
| Noncurrent loans to loans | 4.3132% | 1,513 |
| Net loans and leases to total assets | 63.3838% | 5,105 |
| Net loans and leases to deposits | 84.0208% | 3,871 |
| Net loans and leases to core deposits | 140.0418% | 1,010 |
| Total domestic deposits to total assets | 65.5945% | 7,764 |
| Equity capital to assets | 10.8770% | 3,039 |
| Core capital (leverage) ratio | 10.6838% | 2,679 |
| Tier 1 risk-based capital ratio | 16.3567% | 2,498 |
| Total risk-based capital ratio | 17.6097% | 2,448 |
| Memoranda: |
| Average total assets | $565,488,330 | 1,258 |
| Average earning assets | $458,819,330 | 1,406 |
| Average equity | $51,287,330 | 1,332 |
| Average total loans | $358,326,330 | 1,393 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5283% | 4,765 |
| Cost of funding earning assets | 1.3966% | 6,744 |
| Net interest margin | 4.1317% | 2,157 |
| Noninterest income to average assets | 0.4483% | 4,788 |
| Noninterest expense to average assets | 3.3026% | 2,646 |
| Loan and lease loss provision to assets | 0.1882% | 4,559 |
| Net operating income to assets | 0.1837% | 5,705 |
| Return on assets (ROA) | 0.5645% | 4,353 |
| Pretax return on assets | 0.7890% | 4,114 |
| Return on Equity (ROE) | 6.8009% | 3,670 |
| Retained earnings to average equity (ytd only) | 6.8009% | 2,286 |
| Net charge-offs to loans | 1.3121% | 1,070 |
| Credit loss provision to net charge-offs | 22.7828% | 5,045 |
| Earnings coverage of net charge-offs (x) | 0.5427% | 4,560 |
| Efficiency ratio | 88.0487% | 1,895 |
| Assets per employee ($millions) | 7.2202% | 704 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1446% | 5,162 |
| Loan loss allowance to noncurrent loans | 41.4138% | 5,784 |
| Noncurrent assets plus other real estate owned to assets | 1.8751% | 3,101 |
| Noncurrent loans to loans | 2.7637% | 2,372 |
| Net loans and leases to total assets | 58.4271% | 5,873 |
| Net loans and leases to deposits | 74.4022% | 5,432 |
| Net loans and leases to core deposits | 112.9210% | 3,113 |
| Total domestic deposits to total assets | 70.8082% | 7,351 |
| Equity capital to assets | 9.1956% | 5,092 |
| Core capital (leverage) ratio | 10.3412% | 3,075 |
| Tier 1 risk-based capital ratio | 15.8449% | 2,742 |
| Total risk-based capital ratio | 16.9688% | 2,716 |
| Memoranda: |
| Average total assets | $595,167,000 | 1,199 |
| Average earning assets | $475,735,500 | 1,365 |
| Average equity | $49,405,000 | 1,397 |
| Average total loans | $374,664,000 | 1,336 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.9623% | 5,745 |
| Cost of funding earning assets | 2.1594% | 5,781 |
| Net interest margin | 3.8028% | 4,002 |
| Noninterest income to average assets | 0.3709% | 5,735 |
| Noninterest expense to average assets | 3.2070% | 3,312 |
| Loan and lease loss provision to assets | 0.5760% | 2,519 |
| Net operating income to assets | 0.2983% | 5,552 |
| Return on assets (ROA) | -0.9961% | 7,168 |
| Pretax return on assets | -1.9841% | 7,433 |
| Return on Equity (ROE) | -15.8058% | 7,622 |
| Retained earnings to average equity (ytd only) | -15.8058% | 7,508 |
| Net charge-offs to loans | 0.1209% | 5,035 |
| Credit loss provision to net charge-offs | 740.9091% | 567 |
| Earnings coverage of net charge-offs (x) | 7.9029% | 2,998 |
| Efficiency ratio | 83.9218% | 2,062 |
| Assets per employee ($millions) | 5.8520% | 1,229 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2662% | 4,014 |
| Loan loss allowance to noncurrent loans | 45.0843% | 5,753 |
| Noncurrent assets plus other real estate owned to assets | 2.1225% | 2,314 |
| Noncurrent loans to loans | 2.8084% | 1,932 |
| Net loans and leases to total assets | 66.0056% | 4,846 |
| Net loans and leases to deposits | 86.8268% | 3,988 |
| Net loans and leases to core deposits | 161.1488% | 552 |
| Total domestic deposits to total assets | 72.0764% | 6,982 |
| Equity capital to assets | 7.3941% | 7,470 |
| Core capital (leverage) ratio | 7.7201% | 6,897 |
| Tier 1 risk-based capital ratio | 11.9376% | 4,872 |
| Total risk-based capital ratio | 13.1900% | 4,752 |
| Memoranda: |
| Average total assets | $622,550,200 | 1,076 |
| Average earning assets | $564,870,200 | 1,093 |
| Average equity | $39,232,400 | 1,717 |
| Average total loans | $400,223,000 | 1,210 |
