| 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 | 4.2836% | 2,002 |
| Cost of funding earning assets | 0.4977% | 2,105 |
| Net interest margin | 3.7859% | 2,162 |
| Noninterest income to average assets | 0.3649% | 3,923 |
| Noninterest expense to average assets | 2.7644% | 2,908 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.7642% | 3,406 |
| Return on assets (ROA) | 0.7646% | 3,454 |
| Pretax return on assets | 1.0850% | 3,046 |
| Return on Equity (ROE) | 7.2849% | 3,275 |
| Retained earnings to average equity (ytd only) | 7.2849% | 1,757 |
| Net charge-offs to loans | 0.1209% | 1,201 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 12.1226% | 1,856 |
| Efficiency ratio | 71.4735% | 2,667 |
| Assets per employee ($millions) | 5.0032% | 2,446 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0222% | 4,152 |
| Loan loss allowance to noncurrent loans | 159.2323% | 2,700 |
| Noncurrent assets plus other real estate owned to assets | 0.5885% | 2,883 |
| Noncurrent loans to loans | 0.6419% | 2,897 |
| Net loans and leases to total assets | 73.3445% | 1,848 |
| Net loans and leases to deposits | 91.7337% | 1,352 |
| Net loans and leases to core deposits | 102.7338% | 1,314 |
| Total domestic deposits to total assets | 79.9537% | 4,625 |
| Equity capital to assets | 10.4320% | 3,256 |
| Core capital (leverage) ratio | 9.6185% | 3,968 |
| Tier 1 risk-based capital ratio | 11.8924% | 4,784 |
| Total risk-based capital ratio | 12.8614% | 4,865 |
| Memoranda: |
| Average total assets | $1,421,916,500 | 546 |
| Average earning assets | $1,308,533,000 | 547 |
| Average equity | $149,241,000 | 547 |
| Average total loans | $1,052,343,500 | 509 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3087% | 2,110 |
| Cost of funding earning assets | 0.4144% | 2,869 |
| Net interest margin | 3.8942% | 1,987 |
| Noninterest income to average assets | 0.4617% | 3,471 |
| Noninterest expense to average assets | 2.9292% | 2,561 |
| Loan and lease loss provision to assets | 0.0013% | 4,318 |
| Net operating income to assets | 0.7526% | 3,525 |
| Return on assets (ROA) | 0.7900% | 3,453 |
| Pretax return on assets | 1.1283% | 2,976 |
| Return on Equity (ROE) | 7.1346% | 3,396 |
| Retained earnings to average equity (ytd only) | 7.1346% | 1,173 |
| Net charge-offs to loans | 0.0079% | 3,992 |
| Credit loss provision to net charge-offs | 22.9730% | 3,653 |
| Earnings coverage of net charge-offs (x) | 190.8784% | 351 |
| Efficiency ratio | 72.7269% | 2,474 |
| Assets per employee ($millions) | 4.4378% | 3,211 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0908% | 3,763 |
| Loan loss allowance to noncurrent loans | 172.7998% | 2,517 |
| Noncurrent assets plus other real estate owned to assets | 0.6566% | 2,753 |
| Noncurrent loans to loans | 0.6312% | 2,958 |
| Net loans and leases to total assets | 73.1063% | 1,997 |
| Net loans and leases to deposits | 96.2202% | 975 |
| Net loans and leases to core deposits | 105.7274% | 1,147 |
| Total domestic deposits to total assets | 75.9781% | 5,239 |
| Equity capital to assets | 10.5618% | 3,087 |
| Core capital (leverage) ratio | 9.8711% | 3,665 |
| Tier 1 risk-based capital ratio | 12.2507% | 4,534 |
| Total risk-based capital ratio | 13.3055% | 4,573 |
| Memoranda: |
| Average total assets | $1,312,525,800 | 561 |
| Average earning assets | $1,194,378,400 | 563 |
| Average equity | $145,334,400 | 542 |
| Average total loans | $933,801,000 | 547 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3179% | 2,108 |
| Cost of funding earning assets | 0.4167% | 2,870 |
| Net interest margin | 3.9012% | 1,978 |
| Noninterest income to average assets | 0.4685% | 3,435 |
| Noninterest expense to average assets | 2.9335% | 2,528 |
| Loan and lease loss provision to assets | 0.0018% | 4,175 |
| Net operating income to assets | 0.7537% | 3,589 |
| Return on assets (ROA) | 0.7904% | 3,553 |
| Pretax return on assets | 1.1280% | 3,125 |
| Return on Equity (ROE) | 7.0498% | 3,539 |
| Retained earnings to average equity (ytd only) | 7.0498% | 1,604 |
| Net charge-offs to loans | 0.1286% | 1,674 |
| Credit loss provision to net charge-offs | 1.9384% | 3,405 |
| Earnings coverage of net charge-offs (x) | 11.8974% | 2,437 |
| Efficiency ratio | 72.7177% | 2,469 |
| Assets per employee ($millions) | 4.1753% | 3,644 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1175% | 3,747 |
| Loan loss allowance to noncurrent loans | 142.9332% | 2,895 |
| Noncurrent assets plus other real estate owned to assets | 0.6734% | 2,890 |
| Noncurrent loans to loans | 0.7819% | 2,725 |
| Net loans and leases to total assets | 70.4188% | 2,431 |
| Net loans and leases to deposits | 90.4517% | 1,697 |
| Net loans and leases to core deposits | 100.1913% | 1,616 |
| Total domestic deposits to total assets | 77.8523% | 4,939 |
| Equity capital to assets | 11.3649% | 2,638 |
| Core capital (leverage) ratio | 9.9042% | 3,690 |
| Tier 1 risk-based capital ratio | 13.0421% | 4,135 |
| Total risk-based capital ratio | 14.1235% | 4,150 |
| Memoranda: |
| Average total assets | $1,291,179,500 | 571 |
| Average earning assets | $1,172,431,250 | 574 |
| Average equity | $144,757,000 | 550 |
| Average total loans | $908,943,500 | 554 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3469% | 1,993 |
| Cost of funding earning assets | 0.4205% | 2,831 |
| Net interest margin | 3.9264% | 1,893 |
| Noninterest income to average assets | 0.4651% | 3,429 |
| Noninterest expense to average assets | 2.9123% | 2,633 |
| Loan and lease loss provision to assets | 0.0026% | 3,982 |
| Net operating income to assets | 0.7772% | 3,415 |
| Return on assets (ROA) | 0.8030% | 3,432 |
| Pretax return on assets | 1.1451% | 3,007 |
| Return on Equity (ROE) | 7.1963% | 3,426 |
| Retained earnings to average equity (ytd only) | 7.1963% | 1,506 |
| Net charge-offs to loans | 0.1950% | 1,174 |
| Credit loss provision to net charge-offs | 1.9384% | 3,040 |
| Earnings coverage of net charge-offs (x) | 8.1266% | 2,546 |
| Efficiency ratio | 71.9588% | 2,662 |
| Assets per employee ($millions) | 4.0830% | 3,763 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1510% | 3,639 |
| Loan loss allowance to noncurrent loans | 125.0837% | 3,249 |
| Noncurrent assets plus other real estate owned to assets | 0.8227% | 2,537 |
| Noncurrent loans to loans | 0.9201% | 2,435 |
| Net loans and leases to total assets | 69.4549% | 2,561 |
| Net loans and leases to deposits | 88.8456% | 1,883 |
| Net loans and leases to core deposits | 98.1975% | 1,790 |
| Total domestic deposits to total assets | 78.1748% | 4,969 |
| Equity capital to assets | 11.3471% | 2,698 |
| Core capital (leverage) ratio | 9.6921% | 3,939 |
| Tier 1 risk-based capital ratio | 13.2260% | 4,065 |
| Total risk-based capital ratio | 14.3536% | 4,060 |
| Memoranda: |
| Average total assets | $1,283,168,330 | 575 |
| Average earning assets | $1,162,806,000 | 576 |
| Average equity | $143,185,330 | 558 |
| Average total loans | $899,716,670 | 558 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3717% | 1,890 |
| Cost of funding earning assets | 0.4204% | 2,859 |
| Net interest margin | 3.9512% | 1,782 |
| Noninterest income to average assets | 0.4649% | 3,377 |
| Noninterest expense to average assets | 2.8782% | 2,782 |
| Loan and lease loss provision to assets | 0.0053% | 3,605 |
| Net operating income to assets | 0.8167% | 3,164 |
| Return on assets (ROA) | 0.8309% | 3,221 |
| Pretax return on assets | 1.1825% | 2,771 |
| Return on Equity (ROE) | 7.5107% | 3,180 |
| Retained earnings to average equity (ytd only) | 7.5107% | 1,659 |
| Net charge-offs to loans | 0.1824% | 1,068 |
| Credit loss provision to net charge-offs | 4.1667% | 2,401 |
| Earnings coverage of net charge-offs (x) | 9.1397% | 2,009 |
| Efficiency ratio | 70.7011% | 3,003 |
| Assets per employee ($millions) | 4.0296% | 3,898 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2031% | 3,459 |
| Loan loss allowance to noncurrent loans | 141.2372% | 2,888 |
| Noncurrent assets plus other real estate owned to assets | 0.6722% | 3,043 |
| Noncurrent loans to loans | 0.8519% | 2,716 |
| Net loans and leases to total assets | 69.8607% | 2,365 |
| Net loans and leases to deposits | 88.5989% | 1,750 |
| Net loans and leases to core deposits | 97.9993% | 1,639 |
| Total domestic deposits to total assets | 78.8505% | 5,004 |
| Equity capital to assets | 11.1896% | 2,735 |
| Core capital (leverage) ratio | 9.5456% | 4,108 |
| Tier 1 risk-based capital ratio | 13.0169% | 4,257 |
| Total risk-based capital ratio | 14.2104% | 4,212 |
| Memoranda: |
| Average total assets | $1,277,602,500 | 572 |
| Average earning assets | $1,157,822,500 | 578 |
| Average equity | $141,345,500 | 558 |
| Average total loans | $894,864,000 | 558 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3643% | 2,012 |
| Cost of funding earning assets | 0.3979% | 3,185 |
| Net interest margin | 3.9664% | 1,823 |
| Noninterest income to average assets | 0.5066% | 3,276 |
| Noninterest expense to average assets | 3.0973% | 2,245 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.7134% | 3,746 |
| Return on assets (ROA) | 0.7273% | 3,780 |
| Pretax return on assets | 0.9970% | 3,488 |
| Return on Equity (ROE) | 6.6027% | 3,733 |
| Retained earnings to average equity (ytd only) | 6.6027% | 1,490 |
| Net charge-offs to loans | 0.2007% | 1,453 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 7.0514% | 3,126 |
| Efficiency ratio | 75.5022% | 2,352 |
| Assets per employee ($millions) | 4.0829% | 3,791 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2860% | 2,989 |
| Loan loss allowance to noncurrent loans | 155.3346% | 2,731 |
| Noncurrent assets plus other real estate owned to assets | 0.6152% | 3,220 |
| Noncurrent loans to loans | 0.8279% | 2,723 |
| Net loans and leases to total assets | 68.4731% | 2,628 |
| Net loans and leases to deposits | 86.5929% | 2,049 |
| Net loans and leases to core deposits | 95.2886% | 1,910 |
| Total domestic deposits to total assets | 79.0747% | 4,962 |
| Equity capital to assets | 10.9355% | 2,889 |
| Core capital (leverage) ratio | 9.4646% | 4,231 |
| Tier 1 risk-based capital ratio | 13.0180% | 4,298 |
| Total risk-based capital ratio | 14.2747% | 4,205 |
| Memoranda: |
| Average total assets | $1,221,564,200 | 575 |
| Average earning assets | $1,099,013,800 | 584 |
| Average equity | $134,566,600 | 564 |
| Average total loans | $843,931,400 | 559 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3785% | 1,989 |
| Cost of funding earning assets | 0.3933% | 3,290 |
| Net interest margin | 3.9852% | 1,745 |
| Noninterest income to average assets | 0.5093% | 3,304 |
| Noninterest expense to average assets | 3.1680% | 2,051 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.6807% | 3,988 |
| Return on assets (ROA) | 0.6915% | 4,052 |
| Pretax return on assets | 0.9361% | 3,861 |
| Return on Equity (ROE) | 6.2653% | 4,019 |
| Retained earnings to average equity (ytd only) | 6.2653% | 2,081 |
| Net charge-offs to loans | 0.1730% | 1,444 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 7.7193% | 2,885 |
| Efficiency ratio | 76.9509% | 2,100 |
| Assets per employee ($millions) | 3.7557% | 4,344 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3859% | 2,675 |
| Loan loss allowance to noncurrent loans | 171.4983% | 2,557 |
| Noncurrent assets plus other real estate owned to assets | 0.5787% | 3,551 |
| Noncurrent loans to loans | 0.8081% | 2,946 |
| Net loans and leases to total assets | 68.3318% | 2,633 |
| Net loans and leases to deposits | 85.5399% | 2,201 |
| Net loans and leases to core deposits | 94.3980% | 2,038 |
| Total domestic deposits to total assets | 79.8830% | 4,775 |
| Equity capital to assets | 11.0283% | 2,991 |
| Core capital (leverage) ratio | 9.3449% | 4,517 |
| Tier 1 risk-based capital ratio | 12.8699% | 4,510 |
| Total risk-based capital ratio | 14.1286% | 4,425 |
| Memoranda: |
| Average total assets | $1,209,512,750 | 584 |
| Average earning assets | $1,086,618,250 | 596 |
| Average equity | $133,494,250 | 573 |
| Average total loans | $834,719,750 | 563 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4086% | 1,826 |
| Cost of funding earning assets | 0.3964% | 3,314 |
| Net interest margin | 4.0122% | 1,608 |
| Noninterest income to average assets | 0.4955% | 3,408 |
| Noninterest expense to average assets | 3.2518% | 1,842 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.6305% | 4,213 |
| Return on assets (ROA) | 0.6369% | 4,296 |
| Pretax return on assets | 0.8522% | 4,124 |
| Return on Equity (ROE) | 5.7690% | 4,245 |
| Retained earnings to average equity (ytd only) | 5.7690% | 2,369 |
| Net charge-offs to loans | 0.1778% | 1,395 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 6.8869% | 2,728 |
| Efficiency ratio | 78.8736% | 1,936 |
| Assets per employee ($millions) | 3.4948% | 4,797 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4615% | 2,451 |
| Loan loss allowance to noncurrent loans | 163.7612% | 2,629 |
| Noncurrent assets plus other real estate owned to assets | 0.7254% | 3,206 |
| Noncurrent loans to loans | 0.8925% | 2,899 |
| Net loans and leases to total assets | 67.9220% | 2,657 |
| Net loans and leases to deposits | 84.8840% | 2,202 |
| Net loans and leases to core deposits | 93.0099% | 2,068 |
| Total domestic deposits to total assets | 80.0174% | 4,868 |
| Equity capital to assets | 10.9331% | 2,958 |
| Core capital (leverage) ratio | 9.3910% | 4,434 |
| Tier 1 risk-based capital ratio | 12.5250% | 4,786 |
| Total risk-based capital ratio | 13.7847% | 4,702 |
| Memoranda: |
| Average total assets | $1,198,306,330 | 586 |
| Average earning assets | $1,075,180,330 | 602 |
| Average equity | $132,293,670 | 574 |
| Average total loans | $825,828,670 | 566 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4145% | 1,720 |
| Cost of funding earning assets | 0.4206% | 3,068 |
| Net interest margin | 3.9939% | 1,578 |
| Noninterest income to average assets | 0.4911% | 3,341 |
| Noninterest expense to average assets | 3.2498% | 1,842 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.6178% | 4,206 |
| Return on assets (ROA) | 0.6241% | 4,276 |
| Pretax return on assets | 0.8346% | 4,111 |
| Return on Equity (ROE) | 5.6251% | 4,217 |
| Retained earnings to average equity (ytd only) | 5.6251% | 2,701 |
| Net charge-offs to loans | 0.1774% | 1,218 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 6.7576% | 2,253 |
| Efficiency ratio | 79.1853% | 2,006 |
| Assets per employee ($millions) | 3.4712% | 4,947 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5508% | 2,234 |
| Loan loss allowance to noncurrent loans | 154.7433% | 2,723 |
| Noncurrent assets plus other real estate owned to assets | 0.8320% | 3,007 |
| Noncurrent loans to loans | 1.0022% | 2,755 |
| Net loans and leases to total assets | 67.2930% | 2,560 |
| Net loans and leases to deposits | 83.0732% | 2,200 |
| Net loans and leases to core deposits | 91.5577% | 1,980 |
| Total domestic deposits to total assets | 81.0045% | 4,819 |
| Equity capital to assets | 11.1744% | 2,784 |
| Core capital (leverage) ratio | 9.2830% | 4,603 |
| Tier 1 risk-based capital ratio | 12.5704% | 4,859 |
| Total risk-based capital ratio | 13.8257% | 4,772 |
| Memoranda: |
| Average total assets | $1,187,625,000 | 594 |
| Average earning assets | $1,066,024,000 | 600 |
| Average equity | $131,766,500 | 576 |
| Average total loans | $818,388,000 | 567 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3439% | 2,445 |
| Cost of funding earning assets | 0.4374% | 3,307 |
| Net interest margin | 3.9065% | 2,215 |
| Noninterest income to average assets | 0.5612% | 3,118 |
| Noninterest expense to average assets | 3.0876% | 2,567 |
| Loan and lease loss provision to assets | 0.0232% | 4,140 |
| Net operating income to assets | 0.6936% | 3,928 |
| Return on assets (ROA) | 0.7301% | 3,847 |
| Pretax return on assets | 1.0058% | 3,472 |
| Return on Equity (ROE) | 6.7604% | 3,760 |
| Retained earnings to average equity (ytd only) | 6.7604% | 1,513 |
| Net charge-offs to loans | 0.2799% | 1,549 |
| Credit loss provision to net charge-offs | 12.5251% | 4,071 |
| Earnings coverage of net charge-offs (x) | 5.2745% | 3,468 |
| Efficiency ratio | 75.8346% | 2,536 |
| Assets per employee ($millions) | 3.3460% | 5,178 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5868% | 2,139 |
| Loan loss allowance to noncurrent loans | 195.0712% | 2,279 |
| Noncurrent assets plus other real estate owned to assets | 0.7207% | 3,407 |
| Noncurrent loans to loans | 0.8135% | 3,286 |
| Net loans and leases to total assets | 68.3699% | 2,503 |
| Net loans and leases to deposits | 84.7041% | 2,138 |
| Net loans and leases to core deposits | 95.3207% | 1,776 |
| Total domestic deposits to total assets | 80.7161% | 4,819 |
| Equity capital to assets | 11.0146% | 2,881 |
| Core capital (leverage) ratio | 9.3973% | 4,393 |
| Tier 1 risk-based capital ratio | 12.2809% | 5,170 |
| Total risk-based capital ratio | 13.5344% | 5,084 |
| Memoranda: |
| Average total assets | $1,075,410,200 | 624 |
| Average earning assets | $964,987,600 | 635 |
| Average equity | $116,146,800 | 624 |
| Average total loans | $713,020,200 | 611 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3419% | 2,449 |
| Cost of funding earning assets | 0.4528% | 3,213 |
| Net interest margin | 3.8891% | 2,288 |
| Noninterest income to average assets | 0.5800% | 2,989 |
| Noninterest expense to average assets | 3.0831% | 2,517 |
| Loan and lease loss provision to assets | 0.0318% | 3,775 |
| Net operating income to assets | 0.7002% | 3,940 |
| Return on assets (ROA) | 0.7462% | 3,787 |
| Pretax return on assets | 1.0185% | 3,527 |
| Return on Equity (ROE) | 6.9482% | 3,731 |
| Retained earnings to average equity (ytd only) | 6.9482% | 1,843 |
| Net charge-offs to loans | 0.1702% | 2,094 |
| Credit loss provision to net charge-offs | 28.5388% | 3,476 |
| Earnings coverage of net charge-offs (x) | 8.8664% | 2,740 |
| Efficiency ratio | 75.6206% | 2,554 |
| Assets per employee ($millions) | 3.2694% | 5,286 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0019% | 1,256 |
| Loan loss allowance to noncurrent loans | 134.2288% | 2,977 |
| Noncurrent assets plus other real estate owned to assets | 1.0468% | 2,868 |
| Noncurrent loans to loans | 1.4914% | 2,179 |
| Net loans and leases to total assets | 65.7574% | 2,910 |
| Net loans and leases to deposits | 81.4506% | 2,495 |
| Net loans and leases to core deposits | 89.5101% | 2,271 |
| Total domestic deposits to total assets | 80.7328% | 4,909 |
| Equity capital to assets | 11.1993% | 2,758 |
| Core capital (leverage) ratio | 9.3197% | 4,616 |
| Tier 1 risk-based capital ratio | 13.7012% | 4,416 |
| Total risk-based capital ratio | 14.9605% | 4,345 |
| Memoranda: |
| Average total assets | $1,048,976,250 | 636 |
| Average earning assets | $941,402,500 | 650 |
| Average equity | $112,658,750 | 649 |
| Average total loans | $686,133,000 | 626 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3809% | 2,253 |
| Cost of funding earning assets | 0.4523% | 3,304 |
| Net interest margin | 3.9286% | 2,051 |
| Noninterest income to average assets | 0.5757% | 2,953 |
| Noninterest expense to average assets | 3.1258% | 2,410 |
| Loan and lease loss provision to assets | 0.0477% | 3,354 |
| Net operating income to assets | 0.6784% | 3,949 |
| Return on assets (ROA) | 0.7466% | 3,690 |
| Pretax return on assets | 1.0173% | 3,413 |
| Return on Equity (ROE) | 7.0524% | 3,600 |
| Retained earnings to average equity (ytd only) | 7.0524% | 1,741 |
| Net charge-offs to loans | 0.1175% | 2,492 |
| Credit loss provision to net charge-offs | 62.6566% | 2,599 |
| Earnings coverage of net charge-offs (x) | 12.7569% | 2,035 |
| Efficiency ratio | 76.1612% | 2,602 |
| Assets per employee ($millions) | 3.2625% | 5,321 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0943% | 1,182 |
| Loan loss allowance to noncurrent loans | 149.6213% | 2,727 |
| Noncurrent assets plus other real estate owned to assets | 0.9811% | 3,102 |
| Noncurrent loans to loans | 1.3997% | 2,462 |
| Net loans and leases to total assets | 64.6499% | 2,974 |
| Net loans and leases to deposits | 79.7327% | 2,550 |
| Net loans and leases to core deposits | 87.3074% | 2,382 |
| Total domestic deposits to total assets | 81.0833% | 4,955 |
| Equity capital to assets | 10.8569% | 3,022 |
| Core capital (leverage) ratio | 9.1267% | 4,843 |
| Tier 1 risk-based capital ratio | 13.5432% | 4,554 |
| Total risk-based capital ratio | 14.8038% | 4,485 |
| Memoranda: |
| Average total assets | $1,047,724,330 | 636 |
| Average earning assets | $939,208,330 | 650 |
| Average equity | $110,912,000 | 652 |
| Average total loans | $679,380,670 | 629 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4430% | 1,977 |
| Cost of funding earning assets | 0.4569% | 3,354 |
| Net interest margin | 3.9861% | 1,814 |
| Noninterest income to average assets | 0.5829% | 2,843 |
| Noninterest expense to average assets | 3.0940% | 2,553 |
| Loan and lease loss provision to assets | 0.0959% | 2,326 |
| Net operating income to assets | 0.7012% | 3,681 |
| Return on assets (ROA) | 0.8076% | 3,191 |
| Pretax return on assets | 1.1087% | 2,866 |
| Return on Equity (ROE) | 7.7294% | 3,074 |
| Retained earnings to average equity (ytd only) | 7.7294% | 1,709 |
| Net charge-offs to loans | 0.0663% | 2,491 |
| Credit loss provision to net charge-offs | 225.2252% | 959 |
| Earnings coverage of net charge-offs (x) | 24.8739% | 1,170 |
| Efficiency ratio | 74.3836% | 3,071 |
| Assets per employee ($millions) | 3.3412% | 5,272 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1826% | 1,192 |
| Loan loss allowance to noncurrent loans | 180.4164% | 2,292 |
| Noncurrent assets plus other real estate owned to assets | 0.8326% | 3,644 |
| Noncurrent loans to loans | 1.2097% | 3,024 |
| Net loans and leases to total assets | 63.0724% | 3,063 |
| Net loans and leases to deposits | 77.2836% | 2,654 |
| Net loans and leases to core deposits | 84.0703% | 2,504 |
| Total domestic deposits to total assets | 81.6115% | 5,054 |
| Equity capital to assets | 10.5029% | 3,241 |
| Core capital (leverage) ratio | 8.6176% | 5,506 |
| Tier 1 risk-based capital ratio | 13.1305% | 4,935 |
| Total risk-based capital ratio | 14.3923% | 4,856 |
| Memoranda: |
| Average total assets | $1,043,066,500 | 643 |
| Average earning assets | $934,148,500 | 657 |
| Average equity | $108,987,000 | 664 |
| Average total loans | $670,074,500 | 641 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3694% | 2,690 |
| Cost of funding earning assets | 0.8128% | 1,140 |
| Net interest margin | 3.5566% | 3,649 |
| Noninterest income to average assets | 0.4570% | 4,043 |
| Noninterest expense to average assets | 4.0315% | 846 |
| Loan and lease loss provision to assets | 0.1732% | 2,135 |
| Net operating income to assets | -0.2930% | 6,411 |
| Return on assets (ROA) | -0.2027% | 6,375 |
| Pretax return on assets | -0.4041% | 6,456 |
| Return on Equity (ROE) | -2.1068% | 6,387 |
| Retained earnings to average equity (ytd only) | -2.1068% | 6,187 |
| Net charge-offs to loans | 1.1087% | 504 |
| Credit loss provision to net charge-offs | 24.9293% | 4,353 |
| Earnings coverage of net charge-offs (x) | -0.5354% | 5,204 |
| Efficiency ratio | 110.0261% | 269 |
| Assets per employee ($millions) | 3.2602% | 5,366 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2470% | 1,118 |
| Loan loss allowance to noncurrent loans | 134.0261% | 2,901 |
| Noncurrent assets plus other real estate owned to assets | 1.1508% | 3,094 |
| Noncurrent loans to loans | 1.6765% | 2,392 |
| Net loans and leases to total assets | 62.5565% | 3,284 |
| Net loans and leases to deposits | 73.8239% | 3,288 |
| Net loans and leases to core deposits | 79.8687% | 3,150 |
| Total domestic deposits to total assets | 84.7376% | 3,878 |
| Equity capital to assets | 10.3928% | 3,295 |
| Core capital (leverage) ratio | 8.4295% | 5,745 |
| Tier 1 risk-based capital ratio | 12.7138% | 5,167 |
| Total risk-based capital ratio | 13.9756% | 5,102 |
| Memoranda: |
| Average total assets | $1,068,118,600 | 616 |
| Average earning assets | $961,776,400 | 618 |
| Average equity | $102,761,000 | 693 |
| Average total loans | $669,329,600 | 629 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3539% | 2,765 |
| Cost of funding earning assets | 0.9149% | 761 |
| Net interest margin | 3.4390% | 4,125 |
| Noninterest income to average assets | 0.4037% | 4,511 |
| Noninterest expense to average assets | 4.3253% | 615 |
| Loan and lease loss provision to assets | 0.1916% | 1,911 |
| Net operating income to assets | -0.6040% | 6,627 |
| Return on assets (ROA) | -0.5624% | 6,635 |
| Pretax return on assets | -0.9466% | 6,686 |
| Return on Equity (ROE) | -5.9598% | 6,623 |
| Retained earnings to average equity (ytd only) | -5.9598% | 6,536 |
| Net charge-offs to loans | 0.9903% | 579 |
| Credit loss provision to net charge-offs | 31.0372% | 3,875 |
| Earnings coverage of net charge-offs (x) | -1.3278% | 5,034 |
| Efficiency ratio | 123.2462% | 151 |
| Assets per employee ($millions) | 3.3969% | 5,070 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.5496% | 887 |
| Loan loss allowance to noncurrent loans | 265.9635% | 1,528 |
| Noncurrent assets plus other real estate owned to assets | 0.7316% | 4,281 |
| Noncurrent loans to loans | 0.9586% | 3,899 |
| Net loans and leases to total assets | 62.5309% | 3,253 |
| Net loans and leases to deposits | 73.5994% | 3,296 |
| Net loans and leases to core deposits | 80.6965% | 3,045 |
| Total domestic deposits to total assets | 84.9612% | 3,769 |
| Equity capital to assets | 8.9345% | 5,261 |
| Core capital (leverage) ratio | 6.6528% | 6,645 |
| Tier 1 risk-based capital ratio | 10.4840% | 6,456 |
| Total risk-based capital ratio | 11.7460% | 6,425 |
| Memoranda: |
| Average total assets | $1,078,408,500 | 613 |
| Average earning assets | $972,655,000 | 618 |
| Average equity | $101,768,750 | 705 |
| Average total loans | $672,362,750 | 624 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2846% | 3,023 |
| Cost of funding earning assets | 0.9871% | 577 |
| Net interest margin | 3.2975% | 4,590 |
| Noninterest income to average assets | 0.4709% | 4,021 |
| Noninterest expense to average assets | 2.8656% | 3,453 |
| Loan and lease loss provision to assets | 0.2194% | 1,731 |
| Net operating income to assets | 0.2881% | 5,639 |
| Return on assets (ROA) | 0.3630% | 5,531 |
| Pretax return on assets | 0.4669% | 5,473 |
| Return on Equity (ROE) | 3.7832% | 5,297 |
| Retained earnings to average equity (ytd only) | 3.7832% | 3,892 |
| Net charge-offs to loans | 1.0968% | 546 |
| Credit loss provision to net charge-offs | 32.3887% | 3,550 |
| Earnings coverage of net charge-offs (x) | 0.8713% | 4,238 |
| Efficiency ratio | 82.7760% | 1,790 |
| Assets per employee ($millions) | 3.7270% | 4,353 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.6563% | 823 |
| Loan loss allowance to noncurrent loans | 250.8158% | 1,636 |
| Noncurrent assets plus other real estate owned to assets | 0.8708% | 4,065 |
| Noncurrent loans to loans | 1.0591% | 3,816 |
| Net loans and leases to total assets | 58.6447% | 3,879 |
| Net loans and leases to deposits | 73.7010% | 3,198 |
| Net loans and leases to core deposits | 82.6897% | 2,726 |
| Total domestic deposits to total assets | 79.5710% | 5,701 |
| Equity capital to assets | 9.1223% | 5,074 |
| Core capital (leverage) ratio | 7.4790% | 6,465 |
| Tier 1 risk-based capital ratio | 11.9029% | 5,848 |
| Total risk-based capital ratio | 13.1361% | 5,814 |
| Memoranda: |
| Average total assets | $1,093,658,330 | 609 |
| Average earning assets | $990,011,000 | 608 |
| Average equity | $104,937,330 | 682 |
| Average total loans | $675,608,670 | 617 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2999% | 2,889 |
| Cost of funding earning assets | 0.9989% | 613 |
| Net interest margin | 3.3011% | 4,514 |
| Noninterest income to average assets | 0.5295% | 3,576 |
| Noninterest expense to average assets | 2.8845% | 3,398 |
| Loan and lease loss provision to assets | 0.2215% | 1,670 |
| Net operating income to assets | 0.3134% | 5,523 |
| Return on assets (ROA) | 0.4427% | 5,107 |
| Pretax return on assets | 0.5941% | 4,968 |
| Return on Equity (ROE) | 4.5000% | 4,842 |
| Retained earnings to average equity (ytd only) | 4.5000% | 3,531 |
| Net charge-offs to loans | 0.8393% | 717 |
| Credit loss provision to net charge-offs | 42.1941% | 2,718 |
| Earnings coverage of net charge-offs (x) | 1.2250% | 3,417 |
| Efficiency ratio | 81.6203% | 2,097 |
| Assets per employee ($millions) | 3.5790% | 4,821 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.9093% | 725 |
| Loan loss allowance to noncurrent loans | 172.7997% | 2,125 |
| Noncurrent assets plus other real estate owned to assets | 1.3084% | 3,347 |
| Noncurrent loans to loans | 1.6837% | 3,019 |
| Net loans and leases to total assets | 59.6637% | 3,492 |
| Net loans and leases to deposits | 75.8497% | 2,660 |
| Net loans and leases to core deposits | 86.0519% | 2,100 |
| Total domestic deposits to total assets | 78.6604% | 6,024 |
| Equity capital to assets | 9.7968% | 4,424 |
| Core capital (leverage) ratio | 7.7630% | 6,315 |
| Tier 1 risk-based capital ratio | 12.4887% | 5,585 |
| Total risk-based capital ratio | 13.7251% | 5,541 |
| Memoranda: |
| Average total assets | $1,083,300,500 | 617 |
| Average earning assets | $983,920,500 | 614 |
| Average equity | $106,578,000 | 680 |
| Average total loans | $677,736,000 | 619 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6713% | 2,704 |
| Cost of funding earning assets | 1.1635% | 682 |
| Net interest margin | 3.5078% | 4,471 |
| Noninterest income to average assets | 0.3819% | 4,740 |
| Noninterest expense to average assets | 2.9006% | 3,638 |
| Loan and lease loss provision to assets | 0.5306% | 1,090 |
| Net operating income to assets | 0.0938% | 6,018 |
| Return on assets (ROA) | 0.3736% | 5,437 |
| Pretax return on assets | 0.4879% | 5,316 |
| Return on Equity (ROE) | 3.8388% | 5,210 |
| Retained earnings to average equity (ytd only) | 3.8388% | 3,500 |
| Net charge-offs to loans | 1.3239% | 724 |
| Credit loss provision to net charge-offs | 60.0509% | 4,442 |
| Earnings coverage of net charge-offs (x) | 0.7415% | 5,108 |
| Efficiency ratio | 81.4358% | 1,954 |
| Assets per employee ($millions) | 3.5131% | 4,981 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.9705% | 685 |
| Loan loss allowance to noncurrent loans | 171.2818% | 2,116 |
| Noncurrent assets plus other real estate owned to assets | 1.5461% | 3,072 |
| Noncurrent loans to loans | 1.7343% | 3,011 |
| Net loans and leases to total assets | 61.7980% | 3,285 |
| Net loans and leases to deposits | 78.7739% | 2,427 |
| Net loans and leases to core deposits | 88.2766% | 2,056 |
| Total domestic deposits to total assets | 78.4499% | 6,004 |
| Equity capital to assets | 9.8804% | 4,337 |
| Core capital (leverage) ratio | 7.7595% | 6,366 |
| Tier 1 risk-based capital ratio | 12.0786% | 5,739 |
| Total risk-based capital ratio | 13.3160% | 5,703 |
| Memoranda: |
| Average total assets | $1,066,353,800 | 615 |
| Average earning assets | $964,847,400 | 615 |
| Average equity | $103,782,000 | 684 |
| Average total loans | $711,666,600 | 580 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7142% | 2,748 |
| Cost of funding earning assets | 1.1978% | 697 |
| Net interest margin | 3.5164% | 4,579 |
| Noninterest income to average assets | 0.3375% | 5,107 |
| Noninterest expense to average assets | 2.8936% | 3,621 |
| Loan and lease loss provision to assets | 0.5993% | 927 |
| Net operating income to assets | 0.0231% | 6,249 |
| Return on assets (ROA) | 0.3650% | 5,591 |
| Pretax return on assets | 0.4658% | 5,549 |
| Return on Equity (ROE) | 3.7644% | 5,379 |
| Retained earnings to average equity (ytd only) | 3.7644% | 4,243 |
| Net charge-offs to loans | 1.2587% | 760 |
| Credit loss provision to net charge-offs | 70.5249% | 3,887 |
| Earnings coverage of net charge-offs (x) | 0.7377% | 4,958 |
| Efficiency ratio | 82.0527% | 1,804 |
| Assets per employee ($millions) | 3.6419% | 4,675 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.1434% | 632 |
| Loan loss allowance to noncurrent loans | 172.3700% | 2,019 |
| Noncurrent assets plus other real estate owned to assets | 1.8368% | 2,876 |
| Noncurrent loans to loans | 1.8236% | 3,045 |
| Net loans and leases to total assets | 64.4838% | 2,935 |
| Net loans and leases to deposits | 82.6970% | 2,028 |
| Net loans and leases to core deposits | 94.0799% | 1,580 |
| Total domestic deposits to total assets | 77.9760% | 6,085 |
| Equity capital to assets | 9.9207% | 4,619 |
| Core capital (leverage) ratio | 7.6714% | 6,542 |
| Tier 1 risk-based capital ratio | 11.7266% | 6,097 |
| Total risk-based capital ratio | 12.9672% | 6,088 |
| Memoranda: |
| Average total assets | $1,064,191,750 | 621 |
| Average earning assets | $963,270,500 | 617 |
| Average equity | $103,174,000 | 690 |
| Average total loans | $718,416,250 | 574 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7308% | 2,794 |
| Cost of funding earning assets | 1.2265% | 729 |
| Net interest margin | 3.5043% | 4,648 |
| Noninterest income to average assets | 0.3191% | 5,269 |
| Noninterest expense to average assets | 2.8905% | 3,662 |
| Loan and lease loss provision to assets | 0.7795% | 654 |
| Net operating income to assets | -0.1431% | 6,479 |
| Return on assets (ROA) | 0.3612% | 5,599 |
| Pretax return on assets | 0.4497% | 5,575 |
| Return on Equity (ROE) | 3.7549% | 5,379 |
| Retained earnings to average equity (ytd only) | 3.7549% | 4,109 |
| Net charge-offs to loans | 1.4911% | 669 |
| Credit loss provision to net charge-offs | 77.0857% | 3,404 |
| Earnings coverage of net charge-offs (x) | 0.5921% | 4,772 |
| Efficiency ratio | 82.6949% | 1,788 |
| Assets per employee ($millions) | 3.6105% | 4,735 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.1988% | 639 |
| Loan loss allowance to noncurrent loans | 153.0010% | 2,194 |
| Noncurrent assets plus other real estate owned to assets | 2.0816% | 2,686 |
| Noncurrent loans to loans | 2.0907% | 2,832 |
| Net loans and leases to total assets | 64.9661% | 2,847 |
| Net loans and leases to deposits | 82.7176% | 2,021 |
| Net loans and leases to core deposits | 93.7116% | 1,632 |
| Total domestic deposits to total assets | 78.5396% | 6,046 |
| Equity capital to assets | 9.7463% | 4,695 |
| Core capital (leverage) ratio | 7.5175% | 6,618 |
| Tier 1 risk-based capital ratio | 11.2136% | 6,390 |
| Total risk-based capital ratio | 12.4553% | 6,380 |
| Memoranda: |
| Average total assets | $1,066,868,670 | 623 |
| Average earning assets | $965,166,330 | 616 |
| Average equity | $102,639,000 | 690 |
| Average total loans | $723,503,000 | 569 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7828% | 2,699 |
| Cost of funding earning assets | 1.2497% | 776 |
| Net interest margin | 3.5330% | 4,558 |
| Noninterest income to average assets | 0.2577% | 5,804 |
| Noninterest expense to average assets | 2.9044% | 3,607 |
| Loan and lease loss provision to assets | 1.0864% | 366 |
| Net operating income to assets | -0.4622% | 6,805 |
| Return on assets (ROA) | 0.3533% | 5,639 |
| Pretax return on assets | 0.4125% | 5,685 |
| Return on Equity (ROE) | 3.6961% | 5,431 |
| Retained earnings to average equity (ytd only) | 3.6961% | 4,370 |
| Net charge-offs to loans | 2.1213% | 430 |
| Credit loss provision to net charge-offs | 75.1295% | 2,819 |
| Earnings coverage of net charge-offs (x) | 0.3808% | 4,168 |
| Efficiency ratio | 83.9206% | 1,696 |
| Assets per employee ($millions) | 3.6041% | 4,869 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.2089% | 679 |
| Loan loss allowance to noncurrent loans | 103.2113% | 2,992 |
| Noncurrent assets plus other real estate owned to assets | 2.6416% | 2,239 |
| Noncurrent loans to loans | 3.1091% | 2,062 |
| Net loans and leases to total assets | 64.9901% | 2,648 |
| Net loans and leases to deposits | 82.3296% | 1,888 |
| Net loans and leases to core deposits | 93.0431% | 1,542 |
| Total domestic deposits to total assets | 78.9389% | 6,089 |
| Equity capital to assets | 9.5256% | 4,764 |
| Core capital (leverage) ratio | 7.3494% | 6,713 |
| Tier 1 risk-based capital ratio | 10.8284% | 6,610 |
| Total risk-based capital ratio | 12.0705% | 6,601 |
| Memoranda: |
| Average total assets | $1,067,747,500 | 623 |
| Average earning assets | $966,305,000 | 615 |
| Average equity | $102,054,000 | 697 |
| Average total loans | $727,841,000 | 561 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0969% | 2,468 |
| Cost of funding earning assets | 1.5096% | 689 |
| Net interest margin | 3.5873% | 4,778 |
| Noninterest income to average assets | 0.3858% | 4,740 |
| Noninterest expense to average assets | 2.9043% | 3,942 |
| Loan and lease loss provision to assets | 0.8148% | 1,195 |
| Net operating income to assets | -0.1008% | 6,164 |
| Return on assets (ROA) | 0.1942% | 5,734 |
| Pretax return on assets | 0.1899% | 5,812 |
| Return on Equity (ROE) | 2.2059% | 5,581 |
| Retained earnings to average equity (ytd only) | 2.2059% | 4,643 |
| Net charge-offs to loans | 1.3237% | 1,245 |
| Credit loss provision to net charge-offs | 88.1234% | 4,093 |
| Earnings coverage of net charge-offs (x) | 0.7676% | 5,224 |
| Efficiency ratio | 80.2244% | 2,275 |
| Assets per employee ($millions) | 3.4576% | 5,121 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.2813% | 633 |
| Loan loss allowance to noncurrent loans | 79.1241% | 3,691 |
| Noncurrent assets plus other real estate owned to assets | 3.5599% | 1,662 |
| Noncurrent loans to loans | 4.1470% | 1,488 |
| Net loans and leases to total assets | 66.9288% | 2,602 |
| Net loans and leases to deposits | 85.1556% | 1,782 |
| Net loans and leases to core deposits | 96.5725% | 1,445 |
| Total domestic deposits to total assets | 78.5959% | 6,075 |
| Equity capital to assets | 9.5906% | 4,758 |
| Core capital (leverage) ratio | 7.2705% | 6,757 |
| Tier 1 risk-based capital ratio | 10.6557% | 6,622 |
| Total risk-based capital ratio | 11.8993% | 6,599 |
| Memoranda: |
| Average total assets | $1,080,060,200 | 602 |
| Average earning assets | $971,916,200 | 609 |
| Average equity | $95,061,400 | 722 |
| Average total loans | $754,392,400 | 543 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1622% | 2,335 |
| Cost of funding earning assets | 1.5575% | 705 |
| Net interest margin | 3.6047% | 4,747 |
| Noninterest income to average assets | 0.3799% | 4,813 |
| Noninterest expense to average assets | 3.0465% | 3,369 |
| Loan and lease loss provision to assets | 0.6330% | 1,544 |
| Net operating income to assets | -0.0486% | 6,218 |
| Return on assets (ROA) | 0.1667% | 5,911 |
| Pretax return on assets | 0.1561% | 5,987 |
| Return on Equity (ROE) | 1.9362% | 5,798 |
| Retained earnings to average equity (ytd only) | 1.9362% | 5,169 |
| Net charge-offs to loans | 0.8365% | 1,904 |
| Credit loss provision to net charge-offs | 108.1024% | 3,056 |
| Earnings coverage of net charge-offs (x) | 0.9801% | 4,897 |
| Efficiency ratio | 84.0124% | 1,728 |
| Assets per employee ($millions) | 3.5137% | 4,958 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.4503% | 591 |
| Loan loss allowance to noncurrent loans | 96.5297% | 3,046 |
| Noncurrent assets plus other real estate owned to assets | 3.2066% | 1,990 |
| Noncurrent loans to loans | 3.5744% | 1,923 |
| Net loans and leases to total assets | 67.0374% | 2,670 |
| Net loans and leases to deposits | 84.9515% | 1,844 |
| Net loans and leases to core deposits | 97.8722% | 1,430 |
| Total domestic deposits to total assets | 78.9125% | 6,006 |
| Equity capital to assets | 9.4552% | 5,157 |
| Core capital (leverage) ratio | 7.2182% | 6,896 |
| Tier 1 risk-based capital ratio | 10.5447% | 6,762 |
| Total risk-based capital ratio | 11.7906% | 6,747 |
| Memoranda: |
| Average total assets | $1,084,708,250 | 608 |
| Average earning assets | $975,110,750 | 612 |
| Average equity | $93,376,500 | 738 |
| Average total loans | $759,358,000 | 546 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2273% | 2,158 |
| Cost of funding earning assets | 1.6096% | 668 |
| Net interest margin | 3.6177% | 4,654 |
| Noninterest income to average assets | 0.4973% | 3,880 |
| Noninterest expense to average assets | 3.0472% | 3,443 |
| Loan and lease loss provision to assets | 0.6428% | 1,491 |
| Net operating income to assets | 0.0832% | 6,054 |
| Return on assets (ROA) | 0.1423% | 5,998 |
| Pretax return on assets | 0.1148% | 6,078 |
| Return on Equity (ROE) | 1.7085% | 5,886 |
| Retained earnings to average equity (ytd only) | 1.7085% | 5,140 |
| Net charge-offs to loans | 0.5324% | 2,502 |
| Credit loss provision to net charge-offs | 171.9902% | 1,758 |
| Earnings coverage of net charge-offs (x) | 1.8688% | 3,931 |
| Efficiency ratio | 81.2218% | 2,213 |
| Assets per employee ($millions) | 3.4856% | 4,981 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.5554% | 576 |
| Loan loss allowance to noncurrent loans | 108.7741% | 2,654 |
| Noncurrent assets plus other real estate owned to assets | 3.3354% | 1,983 |
| Noncurrent loans to loans | 3.2686% | 2,186 |
| Net loans and leases to total assets | 68.0409% | 2,601 |
| Net loans and leases to deposits | 86.5290% | 1,708 |
| Net loans and leases to core deposits | 99.9928% | 1,342 |
| Total domestic deposits to total assets | 78.6337% | 6,165 |
| Equity capital to assets | 9.4404% | 4,908 |
| Core capital (leverage) ratio | 7.0855% | 6,960 |
| Tier 1 risk-based capital ratio | 10.2970% | 6,873 |
| Total risk-based capital ratio | 11.5449% | 6,866 |
| Memoranda: |
| Average total assets | $1,089,049,000 | 615 |
| Average earning assets | $977,870,670 | 615 |
| Average equity | $90,725,330 | 750 |
| Average total loans | $764,442,670 | 552 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1370% | 2,486 |
| Cost of funding earning assets | 1.6225% | 752 |
| Net interest margin | 3.5145% | 4,941 |
| Noninterest income to average assets | 0.5086% | 3,816 |
| Noninterest expense to average assets | 2.8702% | 4,192 |
| Loan and lease loss provision to assets | 0.7271% | 1,162 |
| Net operating income to assets | 0.0989% | 6,098 |
| Return on assets (ROA) | 0.1690% | 5,939 |
| Pretax return on assets | 0.1400% | 6,077 |
| Return on Equity (ROE) | 2.1693% | 5,725 |
| Retained earnings to average equity (ytd only) | 2.1693% | 4,841 |
| Net charge-offs to loans | 0.4984% | 2,228 |
| Credit loss provision to net charge-offs | 208.3333% | 1,429 |
| Earnings coverage of net charge-offs (x) | 2.2833% | 3,173 |
| Efficiency ratio | 78.1402% | 2,826 |
| Assets per employee ($millions) | 3.5110% | 4,972 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.4367% | 641 |
| Loan loss allowance to noncurrent loans | 98.9477% | 2,888 |
| Noncurrent assets plus other real estate owned to assets | 3.4999% | 1,949 |
| Noncurrent loans to loans | 3.4732% | 2,146 |
| Net loans and leases to total assets | 68.4075% | 2,475 |
| Net loans and leases to deposits | 86.6788% | 1,624 |
| Net loans and leases to core deposits | 99.9624% | 1,342 |
| Total domestic deposits to total assets | 78.9207% | 6,211 |
| Equity capital to assets | 7.9931% | 6,501 |
| Core capital (leverage) ratio | 5.7905% | 7,284 |
| Tier 1 risk-based capital ratio | 8.3350% | 7,267 |
| Total risk-based capital ratio | 11.0637% | 7,067 |
| Memoranda: |
| Average total assets | $1,100,281,000 | 612 |
| Average earning assets | $988,821,500 | 613 |
| Average equity | $85,743,000 | 774 |
| Average total loans | $770,430,500 | 556 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3080% | 3,098 |
| Cost of funding earning assets | 1.8047% | 1,155 |
| Net interest margin | 3.5033% | 5,240 |
| Noninterest income to average assets | 0.6840% | 2,946 |
| Noninterest expense to average assets | 3.0761% | 3,560 |
| Loan and lease loss provision to assets | 2.6026% | 418 |
| Net operating income to assets | -1.1111% | 6,747 |
| Return on assets (ROA) | -0.9742% | 6,706 |
| Pretax return on assets | -1.6038% | 6,894 |
| Return on Equity (ROE) | -11.3727% | 6,787 |
| Retained earnings to average equity (ytd only) | -11.3727% | 6,730 |
| Net charge-offs to loans | 1.9104% | 1,075 |
| Credit loss provision to net charge-offs | 183.1360% | 1,798 |
| Earnings coverage of net charge-offs (x) | 0.5524% | 5,556 |
| Efficiency ratio | 79.1374% | 2,515 |
| Assets per employee ($millions) | 3.5642% | 4,791 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.2639% | 695 |
| Loan loss allowance to noncurrent loans | 91.3122% | 3,125 |
| Noncurrent assets plus other real estate owned to assets | 3.5125% | 1,969 |
| Noncurrent loans to loans | 3.5745% | 2,100 |
| Net loans and leases to total assets | 66.9686% | 3,234 |
| Net loans and leases to deposits | 85.9187% | 2,115 |
| Net loans and leases to core deposits | 99.1150% | 1,692 |
| Total domestic deposits to total assets | 77.9441% | 6,326 |
| Equity capital to assets | 7.5993% | 6,817 |
| Core capital (leverage) ratio | 5.8603% | 7,323 |
| Tier 1 risk-based capital ratio | 8.3559% | 7,322 |
| Total risk-based capital ratio | 10.9899% | 7,070 |
| Memoranda: |
| Average total assets | $1,111,576,400 | 595 |
| Average earning assets | $1,008,075,800 | 597 |
| Average equity | $95,219,200 | 707 |
| Average total loans | $826,891,200 | 536 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3718% | 3,020 |
| Cost of funding earning assets | 1.8354% | 1,281 |
| Net interest margin | 3.5365% | 5,158 |
| Noninterest income to average assets | 0.7213% | 2,697 |
| Noninterest expense to average assets | 3.0118% | 3,700 |
| Loan and lease loss provision to assets | 1.9254% | 633 |
| Net operating income to assets | -0.5610% | 6,638 |
| Return on assets (ROA) | -0.3781% | 6,544 |
| Pretax return on assets | -0.7171% | 6,691 |
| Return on Equity (ROE) | -4.2920% | 6,588 |
| Retained earnings to average equity (ytd only) | -4.2920% | 6,492 |
| Net charge-offs to loans | 1.5528% | 1,286 |
| Credit loss provision to net charge-offs | 163.8213% | 2,297 |
| Earnings coverage of net charge-offs (x) | 0.7850% | 5,265 |
| Efficiency ratio | 75.8932% | 2,975 |
| Assets per employee ($millions) | 3.4582% | 5,084 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2900% | 1,644 |
| Loan loss allowance to noncurrent loans | 68.3407% | 3,896 |
| Noncurrent assets plus other real estate owned to assets | 3.1639% | 2,275 |
| Noncurrent loans to loans | 3.3509% | 2,374 |
| Net loans and leases to total assets | 70.4966% | 2,612 |
| Net loans and leases to deposits | 91.8696% | 1,466 |
| Net loans and leases to core deposits | 100.7825% | 1,768 |
| Total domestic deposits to total assets | 76.7355% | 6,541 |
| Equity capital to assets | 8.7272% | 5,971 |
| Core capital (leverage) ratio | 7.0057% | 7,163 |
| Tier 1 risk-based capital ratio | 9.7067% | 7,184 |
| Total risk-based capital ratio | 11.7212% | 6,786 |
| Memoranda: |
| Average total assets | $1,109,680,250 | 593 |
| Average earning assets | $1,008,245,000 | 590 |
| Average equity | $97,762,000 | 683 |
| Average total loans | $839,920,500 | 528 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3714% | 3,097 |
| Cost of funding earning assets | 1.8542% | 1,413 |
| Net interest margin | 3.5172% | 5,178 |
| Noninterest income to average assets | 0.6227% | 3,172 |
| Noninterest expense to average assets | 2.9336% | 3,945 |
| Loan and lease loss provision to assets | 2.6119% | 424 |
| Net operating income to assets | -1.0247% | 6,958 |
| Return on assets (ROA) | -0.8479% | 6,896 |
| Pretax return on assets | -1.4500% | 7,061 |
| Return on Equity (ROE) | -9.5941% | 6,952 |
| Retained earnings to average equity (ytd only) | -9.5941% | 6,897 |
| Net charge-offs to loans | 1.5454% | 1,235 |
| Credit loss provision to net charge-offs | 219.8512% | 1,772 |
| Earnings coverage of net charge-offs (x) | 0.7454% | 5,001 |
| Efficiency ratio | 76.1315% | 3,053 |
| Assets per employee ($millions) | 3.4310% | 5,094 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3748% | 1,468 |
| Loan loss allowance to noncurrent loans | 73.1846% | 3,692 |
| Noncurrent assets plus other real estate owned to assets | 2.9477% | 2,431 |
| Noncurrent loans to loans | 3.2449% | 2,470 |
| Net loans and leases to total assets | 75.0586% | 1,679 |
| Net loans and leases to deposits | 95.1035% | 1,136 |
| Net loans and leases to core deposits | 105.0943% | 1,526 |
| Total domestic deposits to total assets | 78.9230% | 6,060 |
| Equity capital to assets | 8.5971% | 6,020 |
| Core capital (leverage) ratio | 6.8040% | 7,280 |
| Tier 1 risk-based capital ratio | 9.1921% | 7,376 |
| Total risk-based capital ratio | 11.1975% | 7,029 |
| Memoranda: |
| Average total assets | $1,108,398,000 | 591 |
| Average earning assets | $1,007,327,000 | 590 |
| Average equity | $97,956,000 | 671 |
| Average total loans | $852,095,000 | 520 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3847% | 3,113 |
| Cost of funding earning assets | 1.8815% | 1,528 |
| Net interest margin | 3.5032% | 5,141 |
| Noninterest income to average assets | 0.7158% | 2,497 |
| Noninterest expense to average assets | 2.7661% | 4,625 |
| Loan and lease loss provision to assets | 0.6645% | 1,908 |
| Net operating income to assets | 0.4610% | 4,568 |
| Return on assets (ROA) | 0.4655% | 4,684 |
| Pretax return on assets | 0.4820% | 5,024 |
| Return on Equity (ROE) | 5.1975% | 4,258 |
| Retained earnings to average equity (ytd only) | 5.1975% | 3,043 |
| Net charge-offs to loans | 0.2542% | 3,418 |
| Credit loss provision to net charge-offs | 340.0735% | 1,183 |
| Earnings coverage of net charge-offs (x) | 5.8438% | 2,327 |
| Efficiency ratio | 70.1195% | 4,277 |
| Assets per employee ($millions) | 3.4626% | 5,121 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5670% | 3,592 |
| Loan loss allowance to noncurrent loans | 49.3005% | 5,043 |
| Noncurrent assets plus other real estate owned to assets | 2.8194% | 2,575 |
| Noncurrent loans to loans | 3.1784% | 2,517 |
| Net loans and leases to total assets | 76.7998% | 1,369 |
| Net loans and leases to deposits | 97.7992% | 926 |
| Net loans and leases to core deposits | 102.1070% | 1,888 |
| Total domestic deposits to total assets | 78.5280% | 6,198 |
| Equity capital to assets | 9.1451% | 5,071 |
| Core capital (leverage) ratio | 7.7175% | 6,604 |
| Tier 1 risk-based capital ratio | 9.9405% | 7,069 |
| Total risk-based capital ratio | 11.9028% | 6,480 |
| Memoranda: |
| Average total assets | $1,113,643,000 | 606 |
| Average earning assets | $1,014,725,500 | 606 |
| Average equity | $99,740,000 | 663 |
| Average total loans | $856,082,500 | 537 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6685% | 3,262 |
| Cost of funding earning assets | 2.5118% | 1,000 |
| Net interest margin | 3.1566% | 6,215 |
| Noninterest income to average assets | 0.5507% | 4,021 |
| Noninterest expense to average assets | 2.6843% | 5,462 |
| Loan and lease loss provision to assets | 0.3836% | 4,491 |
| Net operating income to assets | 0.2882% | 4,579 |
| Return on assets (ROA) | -0.8139% | 6,445 |
| Pretax return on assets | -1.3538% | 6,626 |
| Return on Equity (ROE) | -10.1019% | 6,633 |
| Retained earnings to average equity (ytd only) | -10.1019% | 6,530 |
| Net charge-offs to loans | 0.3096% | 4,698 |
| Credit loss provision to net charge-offs | 162.3502% | 2,715 |
| Earnings coverage of net charge-offs (x) | 3.1817% | 3,464 |
| Efficiency ratio | 77.3545% | 3,299 |
| Assets per employee ($millions) | 3.5752% | 4,833 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4249% | 4,102 |
| Loan loss allowance to noncurrent loans | 54.2368% | 4,734 |
| Noncurrent assets plus other real estate owned to assets | 2.3572% | 2,944 |
| Noncurrent loans to loans | 2.6271% | 2,929 |
| Net loans and leases to total assets | 74.6685% | 2,102 |
| Net loans and leases to deposits | 97.6611% | 1,138 |
| Net loans and leases to core deposits | 122.1712% | 1,764 |
| Total domestic deposits to total assets | 76.4567% | 6,596 |
| Equity capital to assets | 8.7715% | 5,482 |
| Core capital (leverage) ratio | 7.5718% | 6,719 |
| Tier 1 risk-based capital ratio | 9.6596% | 7,124 |
| Total risk-based capital ratio | 11.5921% | 6,520 |
| Memoranda: |
| Average total assets | $1,094,806,000 | 610 |
| Average earning assets | $1,000,749,600 | 605 |
| Average equity | $88,211,400 | 729 |
| Average total loans | $835,661,400 | 557 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7163% | 3,263 |
| Cost of funding earning assets | 2.6490% | 913 |
| Net interest margin | 3.0673% | 6,411 |
| Noninterest income to average assets | 0.5782% | 3,866 |
| Noninterest expense to average assets | 2.6678% | 5,465 |
| Loan and lease loss provision to assets | 0.3067% | 4,520 |
| Net operating income to assets | 0.3151% | 4,740 |
| Return on assets (ROA) | -1.1669% | 6,947 |
| Pretax return on assets | -1.9056% | 7,134 |
| Return on Equity (ROE) | -14.8229% | 7,180 |
| Retained earnings to average equity (ytd only) | -14.8229% | 7,123 |
| Net charge-offs to loans | 0.2691% | 4,357 |
| Credit loss provision to net charge-offs | 148.9869% | 3,236 |
| Earnings coverage of net charge-offs (x) | 3.4821% | 3,512 |
| Efficiency ratio | 78.0407% | 3,160 |
| Assets per employee ($millions) | 3.4949% | 4,943 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3463% | 4,230 |
| Loan loss allowance to noncurrent loans | 56.2491% | 4,589 |
| Noncurrent assets plus other real estate owned to assets | 2.1655% | 3,138 |
| Noncurrent loans to loans | 2.3934% | 3,151 |
| Net loans and leases to total assets | 75.4028% | 2,130 |
| Net loans and leases to deposits | 96.8878% | 1,462 |
| Net loans and leases to core deposits | 121.4384% | 2,124 |
| Total domestic deposits to total assets | 77.8249% | 6,135 |
| Equity capital to assets | 8.9091% | 5,622 |
| Core capital (leverage) ratio | 7.4454% | 7,038 |
| Tier 1 risk-based capital ratio | 9.7399% | 7,205 |
| Total risk-based capital ratio | 11.6351% | 6,527 |
| Memoranda: |
| Average total assets | $1,086,960,250 | 628 |
| Average earning assets | $994,456,750 | 617 |
| Average equity | $85,568,250 | 755 |
| Average total loans | $831,311,000 | 572 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7805% | 3,137 |
| Cost of funding earning assets | 2.7539% | 897 |
| Net interest margin | 3.0266% | 6,469 |
| Noninterest income to average assets | 0.5616% | 3,947 |
| Noninterest expense to average assets | 2.7380% | 5,227 |
| Loan and lease loss provision to assets | 0.3052% | 4,121 |
| Net operating income to assets | 0.2476% | 5,094 |
| Return on assets (ROA) | -0.2144% | 6,229 |
| Pretax return on assets | -0.4344% | 6,359 |
| Return on Equity (ROE) | -2.8514% | 6,343 |
| Retained earnings to average equity (ytd only) | -2.8514% | 5,941 |
| Net charge-offs to loans | 0.1705% | 4,524 |
| Credit loss provision to net charge-offs | 234.0426% | 1,977 |
| Earnings coverage of net charge-offs (x) | 4.5447% | 3,072 |
| Efficiency ratio | 81.4052% | 2,814 |
| Assets per employee ($millions) | 3.5144% | 4,784 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3794% | 3,838 |
| Loan loss allowance to noncurrent loans | 66.2228% | 4,113 |
| Noncurrent assets plus other real estate owned to assets | 1.9727% | 3,232 |
| Noncurrent loans to loans | 2.0829% | 3,409 |
| Net loans and leases to total assets | 74.9015% | 2,466 |
| Net loans and leases to deposits | 95.9641% | 1,803 |
| Net loans and leases to core deposits | 120.3130% | 2,343 |
| Total domestic deposits to total assets | 78.0516% | 6,063 |
| Equity capital to assets | 8.6987% | 5,752 |
| Core capital (leverage) ratio | 8.2830% | 5,834 |
| Tier 1 risk-based capital ratio | 8.8557% | 7,769 |
| Total risk-based capital ratio | 10.4392% | 7,599 |
| Memoranda: |
| Average total assets | $1,081,147,000 | 642 |
| Average earning assets | $989,153,000 | 631 |
| Average equity | $81,293,670 | 811 |
| Average total loans | $827,043,670 | 595 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6609% | 3,988 |
| Cost of funding earning assets | 2.7100% | 1,241 |
| Net interest margin | 2.9509% | 6,613 |
| Noninterest income to average assets | 0.5563% | 3,870 |
| Noninterest expense to average assets | 2.6974% | 5,020 |
| Loan and lease loss provision to assets | 0.3354% | 3,309 |
| Net operating income to assets | 0.1974% | 5,666 |
| Return on assets (ROA) | 0.1949% | 5,846 |
| Pretax return on assets | 0.2269% | 5,879 |
| Return on Equity (ROE) | 2.8175% | 5,442 |
| Retained earnings to average equity (ytd only) | 2.8175% | 4,308 |
| Net charge-offs to loans | 0.1456% | 3,800 |
| Credit loss provision to net charge-offs | 300.0000% | 1,603 |
| Earnings coverage of net charge-offs (x) | 5.0567% | 2,755 |
| Efficiency ratio | 81.8524% | 2,553 |
| Assets per employee ($millions) | 3.4602% | 4,915 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3439% | 3,832 |
| Loan loss allowance to noncurrent loans | 55.7434% | 4,853 |
| Noncurrent assets plus other real estate owned to assets | 1.9082% | 3,045 |
| Noncurrent loans to loans | 2.4108% | 2,736 |
| Net loans and leases to total assets | 74.5711% | 2,607 |
| Net loans and leases to deposits | 94.8933% | 2,123 |
| Net loans and leases to core deposits | 121.4416% | 2,299 |
| Total domestic deposits to total assets | 78.5841% | 5,848 |
| Equity capital to assets | 6.6902% | 7,813 |
| Core capital (leverage) ratio | 6.7157% | 7,793 |
| Tier 1 risk-based capital ratio | 8.5256% | 7,940 |
| Total risk-based capital ratio | 13.2539% | 4,848 |
| Memoranda: |
| Average total assets | $1,073,478,000 | 647 |
| Average earning assets | $984,504,000 | 635 |
| Average equity | $74,250,500 | 901 |
| Average total loans | $824,180,000 | 596 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.4178% | 3,318 |
| Cost of funding earning assets | 2.9062% | 2,243 |
| Net interest margin | 3.5116% | 5,259 |
| Noninterest income to average assets | 0.1266% | 7,484 |
| Noninterest expense to average assets | 2.6995% | 5,267 |
| Loan and lease loss provision to assets | 0.3983% | 3,301 |
| Net operating income to assets | 0.2302% | 5,754 |
| Return on assets (ROA) | 0.2343% | 5,567 |
| Pretax return on assets | 0.2486% | 5,631 |
| Return on Equity (ROE) | 3.1030% | 5,192 |
| Retained earnings to average equity (ytd only) | 3.1030% | 3,225 |
| Net charge-offs to loans | 0.2391% | 3,859 |
| Credit loss provision to net charge-offs | 216.3978% | 2,225 |
| Earnings coverage of net charge-offs (x) | 3.4909% | 4,343 |
| Efficiency ratio | 79.9248% | 2,608 |
| Assets per employee ($millions) | 3.3126% | 5,182 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2866% | 3,883 |
| Loan loss allowance to noncurrent loans | 63.6342% | 4,823 |
| Noncurrent assets plus other real estate owned to assets | 1.6308% | 2,986 |
| Noncurrent loans to loans | 2.0219% | 2,739 |
| Net loans and leases to total assets | 77.0155% | 2,372 |
| Net loans and leases to deposits | 98.7484% | 2,018 |
| Net loans and leases to core deposits | 126.6497% | 2,118 |
| Total domestic deposits to total assets | 77.9917% | 5,716 |
| Equity capital to assets | 7.1536% | 7,653 |
| Core capital (leverage) ratio | 7.1694% | 7,552 |
| Tier 1 risk-based capital ratio | 8.7547% | 7,930 |
| Total risk-based capital ratio | 11.1560% | 6,725 |
| Memoranda: |
| Average total assets | $1,010,551,600 | 657 |
| Average earning assets | $925,326,600 | 648 |
| Average equity | $76,314,200 | 869 |
| Average total loans | $777,900,800 | 611 |
