| 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 | 4.1366% | 3,147 |
| Cost of funding earning assets | 0.3307% | 4,729 |
| Net interest margin | 3.8059% | 2,447 |
| Noninterest income to average assets | 0.6171% | 2,632 |
| Noninterest expense to average assets | 3.0139% | 2,825 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.7960% | 3,171 |
| Return on assets (ROA) | 0.7962% | 3,248 |
| Pretax return on assets | 1.1266% | 2,784 |
| Return on Equity (ROE) | 8.1945% | 2,842 |
| Retained earnings to average equity (ytd only) | 0.5267% | 5,373 |
| Net charge-offs to loans | 0.3490% | 1,025 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 4.9459% | 2,455 |
| Efficiency ratio | 72.2792% | 3,437 |
| Assets per employee ($millions) | 3.3811% | 5,187 |
| Cash dividends to net income (ytd only)* | 93.5720% | 773 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6080% | 2,659 |
| Loan loss allowance to noncurrent loans | 212.9504% | 1,989 |
| Noncurrent assets plus other real estate owned to assets | 0.5728% | 4,428 |
| Noncurrent loans to loans | 0.7551% | 3,978 |
| Net loans and leases to total assets | 62.9060% | 3,090 |
| Net loans and leases to deposits | 74.0188% | 3,059 |
| Net loans and leases to core deposits | 79.5667% | 3,027 |
| Total domestic deposits to total assets | 84.9865% | 3,874 |
| Equity capital to assets | 9.6429% | 4,302 |
| Core capital (leverage) ratio | 8.2148% | 5,931 |
| Tier 1 risk-based capital ratio | 12.6323% | 5,234 |
| Total risk-based capital ratio | 13.8870% | 5,166 |
| Memoranda: |
| Average total assets | $1,234,831,000 | 547 |
| Average earning assets | $1,143,078,000 | 541 |
| Average equity | $119,983,500 | 603 |
| Average total loans | $805,797,000 | 541 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2910% | 2,997 |
| Cost of funding earning assets | 0.4116% | 4,523 |
| Net interest margin | 3.8794% | 2,371 |
| Noninterest income to average assets | 0.8051% | 2,061 |
| Noninterest expense to average assets | 2.8708% | 3,457 |
| Loan and lease loss provision to assets | 0.1578% | 2,311 |
| Net operating income to assets | 0.9480% | 2,575 |
| Return on assets (ROA) | 0.9660% | 2,554 |
| Pretax return on assets | 1.3893% | 1,822 |
| Return on Equity (ROE) | 9.7607% | 2,215 |
| Retained earnings to average equity (ytd only) | -0.4793% | 5,969 |
| Net charge-offs to loans | 0.5339% | 1,243 |
| Credit loss provision to net charge-offs | 45.6461% | 3,925 |
| Earnings coverage of net charge-offs (x) | 4.3998% | 3,575 |
| Efficiency ratio | 64.8121% | 4,766 |
| Assets per employee ($millions) | 3.3298% | 5,225 |
| Cash dividends to net income (ytd only)* | 104.9103% | 339 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6622% | 2,529 |
| Loan loss allowance to noncurrent loans | 184.7972% | 2,232 |
| Noncurrent assets plus other real estate owned to assets | 0.7343% | 4,048 |
| Noncurrent loans to loans | 0.8995% | 3,739 |
| Net loans and leases to total assets | 65.4978% | 2,771 |
| Net loans and leases to deposits | 77.1960% | 2,830 |
| Net loans and leases to core deposits | 82.9733% | 2,776 |
| Total domestic deposits to total assets | 84.8461% | 3,831 |
| Equity capital to assets | 9.7919% | 4,050 |
| Core capital (leverage) ratio | 8.1937% | 5,983 |
| Tier 1 risk-based capital ratio | 12.5130% | 5,282 |
| Total risk-based capital ratio | 13.7687% | 5,231 |
| Memoranda: |
| Average total assets | $1,235,430,200 | 528 |
| Average earning assets | $1,142,356,800 | 518 |
| Average equity | $122,266,200 | 577 |
| Average total loans | $800,107,400 | 522 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2901% | 3,037 |
| Cost of funding earning assets | 0.4206% | 4,604 |
| Net interest margin | 3.8695% | 2,379 |
| Noninterest income to average assets | 0.8438% | 1,965 |
| Noninterest expense to average assets | 2.7789% | 3,735 |
| Loan and lease loss provision to assets | 0.1561% | 2,310 |
| Net operating income to assets | 1.0297% | 2,261 |
| Return on assets (ROA) | 1.0335% | 2,326 |
| Pretax return on assets | 1.4926% | 1,634 |
| Return on Equity (ROE) | 10.4154% | 2,032 |
| Retained earnings to average equity (ytd only) | 0.5771% | 5,738 |
| Net charge-offs to loans | 0.5598% | 1,129 |
| Credit loss provision to net charge-offs | 43.3483% | 3,643 |
| Earnings coverage of net charge-offs (x) | 4.5641% | 3,410 |
| Efficiency ratio | 62.2767% | 5,101 |
| Assets per employee ($millions) | 3.3390% | 5,209 |
| Cash dividends to net income (ytd only)* | 94.4595% | 486 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7338% | 2,506 |
| Loan loss allowance to noncurrent loans | 187.7320% | 2,111 |
| Noncurrent assets plus other real estate owned to assets | 0.7190% | 4,305 |
| Noncurrent loans to loans | 0.9236% | 3,969 |
| Net loans and leases to total assets | 64.1961% | 2,969 |
| Net loans and leases to deposits | 75.6600% | 3,006 |
| Net loans and leases to core deposits | 81.5915% | 2,925 |
| Total domestic deposits to total assets | 84.8481% | 3,816 |
| Equity capital to assets | 9.8444% | 4,113 |
| Core capital (leverage) ratio | 8.3391% | 5,931 |
| Tier 1 risk-based capital ratio | 12.7578% | 5,290 |
| Total risk-based capital ratio | 14.0143% | 5,221 |
| Memoranda: |
| Average total assets | $1,238,776,750 | 529 |
| Average earning assets | $1,145,547,250 | 518 |
| Average equity | $122,917,500 | 580 |
| Average total loans | $796,649,000 | 523 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3078% | 2,924 |
| Cost of funding earning assets | 0.4306% | 4,654 |
| Net interest margin | 3.8772% | 2,284 |
| Noninterest income to average assets | 0.8698% | 1,927 |
| Noninterest expense to average assets | 2.8000% | 3,677 |
| Loan and lease loss provision to assets | 0.2337% | 1,596 |
| Net operating income to assets | 0.9901% | 2,375 |
| Return on assets (ROA) | 0.9958% | 2,485 |
| Pretax return on assets | 1.4374% | 1,809 |
| Return on Equity (ROE) | 10.0098% | 2,195 |
| Retained earnings to average equity (ytd only) | 0.6626% | 5,632 |
| Net charge-offs to loans | 0.6608% | 991 |
| Credit loss provision to net charge-offs | 55.2802% | 3,119 |
| Earnings coverage of net charge-offs (x) | 3.9337% | 3,263 |
| Efficiency ratio | 62.1407% | 5,158 |
| Assets per employee ($millions) | 4.0615% | 3,662 |
| Cash dividends to net income (ytd only)* | 93.3808% | 622 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8305% | 2,332 |
| Loan loss allowance to noncurrent loans | 185.4454% | 2,114 |
| Noncurrent assets plus other real estate owned to assets | 0.8364% | 4,150 |
| Noncurrent loans to loans | 0.9871% | 3,963 |
| Net loans and leases to total assets | 65.0385% | 2,750 |
| Net loans and leases to deposits | 76.6179% | 2,780 |
| Net loans and leases to core deposits | 82.4690% | 2,755 |
| Total domestic deposits to total assets | 84.8868% | 3,950 |
| Equity capital to assets | 9.9814% | 3,938 |
| Core capital (leverage) ratio | 8.2203% | 5,989 |
| Tier 1 risk-based capital ratio | 12.6355% | 5,405 |
| Total risk-based capital ratio | 13.8928% | 5,336 |
| Memoranda: |
| Average total assets | $1,241,002,670 | 528 |
| Average earning assets | $1,150,053,670 | 520 |
| Average equity | $123,459,000 | 582 |
| Average total loans | $793,893,670 | 521 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2488% | 3,117 |
| Cost of funding earning assets | 0.4484% | 4,609 |
| Net interest margin | 3.8004% | 2,449 |
| Noninterest income to average assets | 0.8743% | 1,848 |
| Noninterest expense to average assets | 2.7547% | 3,851 |
| Loan and lease loss provision to assets | 0.3343% | 1,007 |
| Net operating income to assets | 0.8993% | 2,659 |
| Return on assets (ROA) | 0.9103% | 2,750 |
| Pretax return on assets | 1.3118% | 2,189 |
| Return on Equity (ROE) | 9.1646% | 2,406 |
| Retained earnings to average equity (ytd only) | 9.1646% | 1,327 |
| Net charge-offs to loans | 0.8279% | 724 |
| Credit loss provision to net charge-offs | 64.2202% | 2,371 |
| Earnings coverage of net charge-offs (x) | 3.1315% | 2,835 |
| Efficiency ratio | 62.2204% | 5,275 |
| Assets per employee ($millions) | 4.2378% | 3,462 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9298% | 2,223 |
| Loan loss allowance to noncurrent loans | 151.8703% | 2,355 |
| Noncurrent assets plus other real estate owned to assets | 1.0451% | 3,847 |
| Noncurrent loans to loans | 1.2707% | 3,651 |
| Net loans and leases to total assets | 61.2253% | 3,220 |
| Net loans and leases to deposits | 71.9296% | 3,189 |
| Net loans and leases to core deposits | 78.1742% | 3,041 |
| Total domestic deposits to total assets | 85.1184% | 3,979 |
| Equity capital to assets | 9.9573% | 4,198 |
| Core capital (leverage) ratio | 8.2795% | 5,849 |
| Tier 1 risk-based capital ratio | 12.9421% | 5,268 |
| Total risk-based capital ratio | 14.2005% | 5,210 |
| Memoranda: |
| Average total assets | $1,256,334,000 | 525 |
| Average earning assets | $1,160,516,500 | 514 |
| Average equity | $124,784,000 | 587 |
| Average total loans | $789,908,000 | 523 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6940% | 2,624 |
| Cost of funding earning assets | 0.7107% | 3,403 |
| Net interest margin | 3.9833% | 2,470 |
| Noninterest income to average assets | 0.8012% | 2,259 |
| Noninterest expense to average assets | 2.5745% | 4,844 |
| Loan and lease loss provision to assets | 0.3060% | 2,235 |
| Net operating income to assets | 1.1163% | 1,886 |
| Return on assets (ROA) | 1.1166% | 2,055 |
| Pretax return on assets | 1.6635% | 1,230 |
| Return on Equity (ROE) | 12.0874% | 1,487 |
| Retained earnings to average equity (ytd only) | -0.2361% | 5,895 |
| Net charge-offs to loans | 0.3038% | 3,124 |
| Credit loss provision to net charge-offs | 144.6206% | 1,891 |
| Earnings coverage of net charge-offs (x) | 9.3046% | 2,275 |
| Efficiency ratio | 56.5566% | 5,997 |
| Assets per employee ($millions) | 4.4447% | 3,064 |
| Cash dividends to net income (ytd only)* | 101.9532% | 445 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5278% | 3,627 |
| Loan loss allowance to noncurrent loans | 86.5313% | 3,715 |
| Noncurrent assets plus other real estate owned to assets | 1.3556% | 3,370 |
| Noncurrent loans to loans | 1.7656% | 2,967 |
| Net loans and leases to total assets | 67.6668% | 2,246 |
| Net loans and leases to deposits | 76.4071% | 2,730 |
| Net loans and leases to core deposits | 86.6678% | 2,234 |
| Total domestic deposits to total assets | 88.5608% | 1,862 |
| Equity capital to assets | 9.2062% | 5,259 |
| Core capital (leverage) ratio | 8.1206% | 6,068 |
| Tier 1 risk-based capital ratio | 11.4863% | 6,116 |
| Total risk-based capital ratio | 12.7391% | 6,078 |
| Memoranda: |
| Average total assets | $417,254,000 | 1,571 |
| Average earning assets | $392,012,000 | 1,533 |
| Average equity | $38,544,200 | 1,806 |
| Average total loans | $290,625,800 | 1,444 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7479% | 2,588 |
| Cost of funding earning assets | 0.7409% | 3,421 |
| Net interest margin | 4.0070% | 2,479 |
| Noninterest income to average assets | 0.8038% | 2,221 |
| Noninterest expense to average assets | 2.5470% | 4,932 |
| Loan and lease loss provision to assets | 0.3102% | 2,126 |
| Net operating income to assets | 1.1461% | 1,919 |
| Return on assets (ROA) | 1.1461% | 2,116 |
| Pretax return on assets | 1.7115% | 1,237 |
| Return on Equity (ROE) | 12.3963% | 1,500 |
| Retained earnings to average equity (ytd only) | -4.0697% | 6,558 |
| Net charge-offs to loans | 0.3678% | 2,635 |
| Credit loss provision to net charge-offs | 120.6983% | 2,397 |
| Earnings coverage of net charge-offs (x) | 7.8653% | 2,538 |
| Efficiency ratio | 55.6086% | 6,094 |
| Assets per employee ($millions) | 4.4137% | 3,057 |
| Cash dividends to net income (ytd only)* | 132.8301% | 152 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4349% | 4,221 |
| Loan loss allowance to noncurrent loans | 88.0997% | 3,582 |
| Noncurrent assets plus other real estate owned to assets | 1.3336% | 3,633 |
| Noncurrent loans to loans | 1.6287% | 3,354 |
| Net loans and leases to total assets | 69.6210% | 1,989 |
| Net loans and leases to deposits | 78.5882% | 2,585 |
| Net loans and leases to core deposits | 89.0599% | 2,097 |
| Total domestic deposits to total assets | 88.5896% | 1,665 |
| Equity capital to assets | 9.1461% | 5,653 |
| Core capital (leverage) ratio | 7.9825% | 6,342 |
| Tier 1 risk-based capital ratio | 11.1143% | 6,435 |
| Total risk-based capital ratio | 12.3663% | 6,406 |
| Memoranda: |
| Average total assets | $416,005,000 | 1,592 |
| Average earning assets | $390,871,000 | 1,550 |
| Average equity | $38,462,000 | 1,825 |
| Average total loans | $290,743,250 | 1,456 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7965% | 2,525 |
| Cost of funding earning assets | 0.7715% | 3,435 |
| Net interest margin | 4.0250% | 2,399 |
| Noninterest income to average assets | 0.7815% | 2,281 |
| Noninterest expense to average assets | 2.5386% | 5,004 |
| Loan and lease loss provision to assets | 0.2690% | 2,437 |
| Net operating income to assets | 1.1730% | 1,809 |
| Return on assets (ROA) | 1.1730% | 2,012 |
| Pretax return on assets | 1.7556% | 1,123 |
| Return on Equity (ROE) | 12.6417% | 1,462 |
| Retained earnings to average equity (ytd only) | -6.7712% | 6,711 |
| Net charge-offs to loans | 0.4780% | 2,156 |
| Credit loss provision to net charge-offs | 80.8081% | 3,297 |
| Earnings coverage of net charge-offs (x) | 6.0823% | 2,704 |
| Efficiency ratio | 55.4211% | 6,182 |
| Assets per employee ($millions) | 4.5414% | 2,827 |
| Cash dividends to net income (ytd only)* | 153.5627% | 163 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3263% | 4,765 |
| Loan loss allowance to noncurrent loans | 65.9241% | 4,370 |
| Noncurrent assets plus other real estate owned to assets | 1.6609% | 3,229 |
| Noncurrent loans to loans | 2.0119% | 2,938 |
| Net loans and leases to total assets | 70.3171% | 1,866 |
| Net loans and leases to deposits | 79.4393% | 2,459 |
| Net loans and leases to core deposits | 91.4517% | 1,823 |
| Total domestic deposits to total assets | 88.5168% | 1,801 |
| Equity capital to assets | 9.1227% | 5,557 |
| Core capital (leverage) ratio | 7.9719% | 6,302 |
| Tier 1 risk-based capital ratio | 11.1944% | 6,409 |
| Total risk-based capital ratio | 12.4453% | 6,386 |
| Memoranda: |
| Average total assets | $416,378,330 | 1,596 |
| Average earning assets | $391,205,000 | 1,550 |
| Average equity | $38,634,000 | 1,803 |
| Average total loans | $289,973,670 | 1,461 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7001% | 3,057 |
| Cost of funding earning assets | 0.8137% | 3,359 |
| Net interest margin | 3.8864% | 2,980 |
| Noninterest income to average assets | 0.7178% | 2,565 |
| Noninterest expense to average assets | 2.5956% | 4,833 |
| Loan and lease loss provision to assets | 0.1885% | 3,075 |
| Net operating income to assets | 1.0605% | 2,253 |
| Return on assets (ROA) | 1.0605% | 2,446 |
| Pretax return on assets | 1.5907% | 1,600 |
| Return on Equity (ROE) | 11.3349% | 1,893 |
| Retained earnings to average equity (ytd only) | 4.6854% | 3,753 |
| Net charge-offs to loans | 0.4532% | 1,958 |
| Credit loss provision to net charge-offs | 60.4294% | 3,103 |
| Earnings coverage of net charge-offs (x) | 5.7025% | 2,311 |
| Efficiency ratio | 58.8930% | 5,786 |
| Assets per employee ($millions) | 4.5726% | 2,861 |
| Cash dividends to net income (ytd only)* | 58.6643% | 1,229 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3480% | 4,811 |
| Loan loss allowance to noncurrent loans | 52.3497% | 4,938 |
| Noncurrent assets plus other real estate owned to assets | 1.9730% | 2,943 |
| Noncurrent loans to loans | 2.5749% | 2,532 |
| Net loans and leases to total assets | 68.0229% | 2,110 |
| Net loans and leases to deposits | 77.0963% | 2,663 |
| Net loans and leases to core deposits | 88.1265% | 2,039 |
| Total domestic deposits to total assets | 88.2310% | 2,171 |
| Equity capital to assets | 9.3569% | 5,019 |
| Core capital (leverage) ratio | 8.3914% | 5,755 |
| Tier 1 risk-based capital ratio | 11.8044% | 6,083 |
| Total risk-based capital ratio | 13.0552% | 6,061 |
| Memoranda: |
| Average total assets | $417,935,000 | 1,595 |
| Average earning assets | $393,264,500 | 1,546 |
| Average equity | $39,100,500 | 1,773 |
| Average total loans | $287,709,500 | 1,473 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0377% | 2,721 |
| Cost of funding earning assets | 1.0769% | 2,825 |
| Net interest margin | 3.9608% | 3,066 |
| Noninterest income to average assets | 0.5218% | 3,707 |
| Noninterest expense to average assets | 2.6050% | 5,081 |
| Loan and lease loss provision to assets | 0.5272% | 1,984 |
| Net operating income to assets | 0.7374% | 3,306 |
| Return on assets (ROA) | 0.7384% | 3,471 |
| Pretax return on assets | 1.1062% | 2,812 |
| Return on Equity (ROE) | 7.7631% | 3,027 |
| Retained earnings to average equity (ytd only) | -0.0442% | 5,852 |
| Net charge-offs to loans | 0.8974% | 1,937 |
| Credit loss provision to net charge-offs | 83.2356% | 4,320 |
| Earnings coverage of net charge-offs (x) | 2.5764% | 3,927 |
| Efficiency ratio | 60.7525% | 5,640 |
| Assets per employee ($millions) | 4.5625% | 2,808 |
| Cash dividends to net income (ytd only)* | 100.5699% | 315 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4155% | 4,392 |
| Loan loss allowance to noncurrent loans | 58.0066% | 4,607 |
| Noncurrent assets plus other real estate owned to assets | 1.9943% | 2,972 |
| Noncurrent loans to loans | 2.4402% | 2,693 |
| Net loans and leases to total assets | 67.7548% | 2,448 |
| Net loans and leases to deposits | 76.7066% | 3,058 |
| Net loans and leases to core deposits | 87.9201% | 2,386 |
| Total domestic deposits to total assets | 88.3299% | 1,953 |
| Equity capital to assets | 9.3543% | 5,085 |
| Core capital (leverage) ratio | 8.3116% | 5,839 |
| Tier 1 risk-based capital ratio | 11.7998% | 5,958 |
| Total risk-based capital ratio | 13.0516% | 5,937 |
| Memoranda: |
| Average total assets | $403,993,600 | 1,608 |
| Average earning assets | $378,943,000 | 1,566 |
| Average equity | $38,425,200 | 1,754 |
| Average total loans | $285,171,600 | 1,497 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0947% | 2,629 |
| Cost of funding earning assets | 1.1173% | 2,862 |
| Net interest margin | 3.9774% | 3,017 |
| Noninterest income to average assets | 0.4766% | 4,070 |
| Noninterest expense to average assets | 2.6091% | 5,043 |
| Loan and lease loss provision to assets | 0.5500% | 1,785 |
| Net operating income to assets | 0.6986% | 3,629 |
| Return on assets (ROA) | 0.6999% | 3,791 |
| Pretax return on assets | 1.0485% | 3,218 |
| Return on Equity (ROE) | 7.3272% | 3,366 |
| Retained earnings to average equity (ytd only) | 0.5427% | 5,794 |
| Net charge-offs to loans | 1.0975% | 1,446 |
| Credit loss provision to net charge-offs | 70.5156% | 4,466 |
| Earnings coverage of net charge-offs (x) | 2.0469% | 4,122 |
| Efficiency ratio | 61.2959% | 5,518 |
| Assets per employee ($millions) | 4.4063% | 3,067 |
| Cash dividends to net income (ytd only)* | 92.5928% | 390 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3283% | 4,885 |
| Loan loss allowance to noncurrent loans | 61.1201% | 4,407 |
| Noncurrent assets plus other real estate owned to assets | 1.8956% | 3,277 |
| Noncurrent loans to loans | 2.1732% | 3,149 |
| Net loans and leases to total assets | 68.4513% | 2,389 |
| Net loans and leases to deposits | 77.3486% | 3,110 |
| Net loans and leases to core deposits | 88.6371% | 2,412 |
| Total domestic deposits to total assets | 88.4971% | 1,764 |
| Equity capital to assets | 9.5219% | 5,047 |
| Core capital (leverage) ratio | 8.4616% | 5,764 |
| Tier 1 risk-based capital ratio | 11.9633% | 5,918 |
| Total risk-based capital ratio | 13.2140% | 5,903 |
| Memoranda: |
| Average total assets | $401,195,000 | 1,624 |
| Average earning assets | $376,147,500 | 1,590 |
| Average equity | $38,322,000 | 1,759 |
| Average total loans | $285,127,250 | 1,512 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1428% | 2,497 |
| Cost of funding earning assets | 1.1411% | 2,963 |
| Net interest margin | 4.0018% | 2,830 |
| Noninterest income to average assets | 0.4348% | 4,389 |
| Noninterest expense to average assets | 2.6516% | 5,001 |
| Loan and lease loss provision to assets | 0.7356% | 1,263 |
| Net operating income to assets | 0.5332% | 4,363 |
| Return on assets (ROA) | 0.5352% | 4,495 |
| Pretax return on assets | 0.8013% | 4,023 |
| Return on Equity (ROE) | 5.5973% | 4,158 |
| Retained earnings to average equity (ytd only) | -1.7538% | 6,210 |
| Net charge-offs to loans | 1.6510% | 883 |
| Credit loss provision to net charge-offs | 62.1817% | 4,294 |
| Earnings coverage of net charge-offs (x) | 1.2967% | 4,317 |
| Efficiency ratio | 62.6080% | 5,479 |
| Assets per employee ($millions) | 4.3914% | 3,009 |
| Cash dividends to net income (ytd only)* | 131.3321% | 249 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2696% | 5,200 |
| Loan loss allowance to noncurrent loans | 89.7841% | 3,166 |
| Noncurrent assets plus other real estate owned to assets | 1.4984% | 3,954 |
| Noncurrent loans to loans | 1.4140% | 4,299 |
| Net loans and leases to total assets | 69.6100% | 2,297 |
| Net loans and leases to deposits | 78.7508% | 2,998 |
| Net loans and leases to core deposits | 89.8388% | 2,393 |
| Total domestic deposits to total assets | 88.3928% | 1,920 |
| Equity capital to assets | 9.5966% | 4,663 |
| Core capital (leverage) ratio | 8.4554% | 5,621 |
| Tier 1 risk-based capital ratio | 11.8441% | 5,901 |
| Total risk-based capital ratio | 13.0941% | 5,879 |
| Memoranda: |
| Average total assets | $398,332,670 | 1,647 |
| Average earning assets | $373,336,000 | 1,613 |
| Average equity | $38,089,670 | 1,761 |
| Average total loans | $285,410,670 | 1,522 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0280% | 2,971 |
| Cost of funding earning assets | 1.1455% | 3,187 |
| Net interest margin | 3.8824% | 3,228 |
| Noninterest income to average assets | 0.4566% | 4,218 |
| Noninterest expense to average assets | 2.6674% | 4,970 |
| Loan and lease loss provision to assets | 0.6538% | 1,317 |
| Net operating income to assets | 0.5200% | 4,405 |
| Return on assets (ROA) | 0.5200% | 4,488 |
| Pretax return on assets | 0.7795% | 3,974 |
| Return on Equity (ROE) | 5.4479% | 4,184 |
| Retained earnings to average equity (ytd only) | -4.0359% | 6,416 |
| Net charge-offs to loans | 1.4037% | 976 |
| Credit loss provision to net charge-offs | 64.4841% | 3,460 |
| Earnings coverage of net charge-offs (x) | 1.4137% | 3,643 |
| Efficiency ratio | 64.2875% | 5,316 |
| Assets per employee ($millions) | 4.4551% | 2,967 |
| Cash dividends to net income (ytd only)* | 174.0812% | 256 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4417% | 4,475 |
| Loan loss allowance to noncurrent loans | 48.2848% | 5,105 |
| Noncurrent assets plus other real estate owned to assets | 2.5454% | 2,684 |
| Noncurrent loans to loans | 2.9857% | 2,516 |
| Net loans and leases to total assets | 70.0770% | 2,112 |
| Net loans and leases to deposits | 79.2768% | 2,846 |
| Net loans and leases to core deposits | 90.6674% | 2,281 |
| Total domestic deposits to total assets | 88.3953% | 2,145 |
| Equity capital to assets | 9.4334% | 4,523 |
| Core capital (leverage) ratio | 8.5023% | 5,447 |
| Tier 1 risk-based capital ratio | 11.7415% | 5,901 |
| Total risk-based capital ratio | 12.9938% | 5,908 |
| Memoranda: |
| Average total assets | $397,688,500 | 1,666 |
| Average earning assets | $373,272,500 | 1,624 |
| Average equity | $37,959,500 | 1,753 |
| Average total loans | $287,239,500 | 1,525 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4703% | 2,398 |
| Cost of funding earning assets | 1.4359% | 3,043 |
| Net interest margin | 4.0345% | 2,866 |
| Noninterest income to average assets | 0.8576% | 2,021 |
| Noninterest expense to average assets | 2.8185% | 4,525 |
| Loan and lease loss provision to assets | 0.5241% | 3,054 |
| Net operating income to assets | 0.8634% | 2,540 |
| Return on assets (ROA) | 0.8631% | 2,681 |
| Pretax return on assets | 1.2921% | 1,948 |
| Return on Equity (ROE) | 8.6710% | 2,433 |
| Retained earnings to average equity (ytd only) | 2.4906% | 4,135 |
| Net charge-offs to loans | 0.5178% | 3,549 |
| Credit loss provision to net charge-offs | 130.0845% | 3,058 |
| Earnings coverage of net charge-offs (x) | 4.5094% | 2,900 |
| Efficiency ratio | 60.0723% | 6,032 |
| Assets per employee ($millions) | 4.2872% | 3,237 |
| Cash dividends to net income (ytd only)* | 71.2769% | 1,161 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5439% | 3,803 |
| Loan loss allowance to noncurrent loans | 52.9384% | 4,843 |
| Noncurrent assets plus other real estate owned to assets | 2.4943% | 2,776 |
| Noncurrent loans to loans | 2.9165% | 2,615 |
| Net loans and leases to total assets | 72.2383% | 2,044 |
| Net loans and leases to deposits | 82.0384% | 2,794 |
| Net loans and leases to core deposits | 93.9601% | 2,257 |
| Total domestic deposits to total assets | 88.0543% | 2,211 |
| Equity capital to assets | 9.6585% | 4,202 |
| Core capital (leverage) ratio | 8.7293% | 4,969 |
| Tier 1 risk-based capital ratio | 11.8475% | 5,618 |
| Total risk-based capital ratio | 13.1012% | 5,604 |
| Memoranda: |
| Average total assets | $382,015,800 | 1,720 |
| Average earning assets | $357,692,200 | 1,674 |
| Average equity | $38,023,400 | 1,730 |
| Average total loans | $297,210,000 | 1,508 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5233% | 2,344 |
| Cost of funding earning assets | 1.4919% | 3,028 |
| Net interest margin | 4.0314% | 2,950 |
| Noninterest income to average assets | 0.6833% | 2,922 |
| Noninterest expense to average assets | 2.7696% | 4,598 |
| Loan and lease loss provision to assets | 0.5102% | 2,904 |
| Net operating income to assets | 0.7876% | 3,058 |
| Return on assets (ROA) | 0.7893% | 3,212 |
| Pretax return on assets | 1.1798% | 2,563 |
| Return on Equity (ROE) | 7.8688% | 2,969 |
| Retained earnings to average equity (ytd only) | 3.4836% | 4,003 |
| Net charge-offs to loans | 0.6110% | 2,910 |
| Credit loss provision to net charge-offs | 105.7622% | 4,044 |
| Earnings coverage of net charge-offs (x) | 3.4982% | 3,418 |
| Efficiency ratio | 61.3642% | 5,727 |
| Assets per employee ($millions) | 4.0770% | 3,686 |
| Cash dividends to net income (ytd only)* | 55.7291% | 1,396 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3786% | 4,579 |
| Loan loss allowance to noncurrent loans | 45.7232% | 5,222 |
| Noncurrent assets plus other real estate owned to assets | 2.6224% | 2,759 |
| Noncurrent loans to loans | 3.0151% | 2,643 |
| Net loans and leases to total assets | 76.2351% | 1,359 |
| Net loans and leases to deposits | 87.9283% | 2,018 |
| Net loans and leases to core deposits | 100.4680% | 1,808 |
| Total domestic deposits to total assets | 86.7015% | 2,694 |
| Equity capital to assets | 10.0517% | 4,089 |
| Core capital (leverage) ratio | 8.9306% | 4,800 |
| Tier 1 risk-based capital ratio | 11.6899% | 5,738 |
| Total risk-based capital ratio | 12.9418% | 5,715 |
| Memoranda: |
| Average total assets | $378,915,250 | 1,760 |
| Average earning assets | $354,705,000 | 1,709 |
| Average equity | $38,005,500 | 1,750 |
| Average total loans | $299,165,250 | 1,513 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4935% | 2,546 |
| Cost of funding earning assets | 1.5602% | 2,904 |
| Net interest margin | 3.9333% | 3,307 |
| Noninterest income to average assets | 0.5293% | 3,883 |
| Noninterest expense to average assets | 2.7408% | 4,733 |
| Loan and lease loss provision to assets | 0.4239% | 3,205 |
| Net operating income to assets | 0.7006% | 3,404 |
| Return on assets (ROA) | 0.7031% | 3,550 |
| Pretax return on assets | 1.0496% | 2,936 |
| Return on Equity (ROE) | 7.0150% | 3,294 |
| Retained earnings to average equity (ytd only) | 5.4291% | 2,659 |
| Net charge-offs to loans | 0.8230% | 2,193 |
| Credit loss provision to net charge-offs | 64.7773% | 5,100 |
| Earnings coverage of net charge-offs (x) | 2.2462% | 3,883 |
| Efficiency ratio | 64.2507% | 5,285 |
| Assets per employee ($millions) | 3.9711% | 3,822 |
| Cash dividends to net income (ytd only)* | 22.6074% | 2,809 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2132% | 5,384 |
| Loan loss allowance to noncurrent loans | 37.9545% | 5,817 |
| Noncurrent assets plus other real estate owned to assets | 2.8329% | 2,546 |
| Noncurrent loans to loans | 3.1966% | 2,507 |
| Net loans and leases to total assets | 77.0530% | 1,284 |
| Net loans and leases to deposits | 90.6393% | 1,750 |
| Net loans and leases to core deposits | 102.5481% | 1,778 |
| Total domestic deposits to total assets | 85.0105% | 3,621 |
| Equity capital to assets | 10.1937% | 3,774 |
| Core capital (leverage) ratio | 9.0653% | 4,500 |
| Tier 1 risk-based capital ratio | 11.8517% | 5,444 |
| Total risk-based capital ratio | 13.0977% | 5,417 |
| Memoranda: |
| Average total assets | $377,474,330 | 1,777 |
| Average earning assets | $353,292,330 | 1,727 |
| Average equity | $37,833,330 | 1,756 |
| Average total loans | $300,138,330 | 1,531 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4102% | 2,991 |
| Cost of funding earning assets | 1.6152% | 2,867 |
| Net interest margin | 3.7950% | 3,819 |
| Noninterest income to average assets | 0.3665% | 5,212 |
| Noninterest expense to average assets | 2.7967% | 4,493 |
| Loan and lease loss provision to assets | 0.2648% | 3,910 |
| Net operating income to assets | 0.5721% | 4,023 |
| Return on assets (ROA) | 0.5721% | 4,165 |
| Pretax return on assets | 0.8517% | 3,661 |
| Return on Equity (ROE) | 5.7566% | 3,988 |
| Retained earnings to average equity (ytd only) | 5.7566% | 2,738 |
| Net charge-offs to loans | 0.6507% | 2,199 |
| Credit loss provision to net charge-offs | 50.7099% | 4,472 |
| Earnings coverage of net charge-offs (x) | 2.1379% | 3,466 |
| Efficiency ratio | 70.5468% | 4,207 |
| Assets per employee ($millions) | 4.0813% | 3,676 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2560% | 5,176 |
| Loan loss allowance to noncurrent loans | 49.6765% | 5,013 |
| Noncurrent assets plus other real estate owned to assets | 2.4557% | 2,959 |
| Noncurrent loans to loans | 2.5284% | 3,144 |
| Net loans and leases to total assets | 77.9181% | 1,171 |
| Net loans and leases to deposits | 92.5164% | 1,541 |
| Net loans and leases to core deposits | 104.1806% | 1,724 |
| Total domestic deposits to total assets | 84.2209% | 4,037 |
| Equity capital to assets | 9.9548% | 3,925 |
| Core capital (leverage) ratio | 8.9907% | 4,591 |
| Tier 1 risk-based capital ratio | 11.3269% | 5,833 |
| Total risk-based capital ratio | 12.5772% | 5,802 |
| Memoranda: |
| Average total assets | $377,585,500 | 1,817 |
| Average earning assets | $352,889,500 | 1,768 |
| Average equity | $37,522,000 | 1,792 |
| Average total loans | $303,080,500 | 1,553 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.0176% | 1,798 |
| Cost of funding earning assets | 1.8697% | 3,623 |
| Net interest margin | 4.1479% | 2,255 |
| Noninterest income to average assets | 0.9493% | 1,750 |
| Noninterest expense to average assets | 3.0643% | 3,893 |
| Loan and lease loss provision to assets | 0.6024% | 3,383 |
| Net operating income to assets | 0.7429% | 2,757 |
| Return on assets (ROA) | 0.8293% | 2,505 |
| Pretax return on assets | 1.2637% | 1,797 |
| Return on Equity (ROE) | 7.9207% | 2,403 |
| Retained earnings to average equity (ytd only) | -1.2206% | 5,318 |
| Net charge-offs to loans | 0.3551% | 4,454 |
| Credit loss provision to net charge-offs | 197.0534% | 2,003 |
| Earnings coverage of net charge-offs (x) | 5.6759% | 2,528 |
| Efficiency ratio | 63.0418% | 5,961 |
| Assets per employee ($millions) | 3.9537% | 3,909 |
| Cash dividends to net income (ytd only)* | 115.4107% | 447 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3061% | 4,719 |
| Loan loss allowance to noncurrent loans | 53.2580% | 4,794 |
| Noncurrent assets plus other real estate owned to assets | 2.4928% | 2,804 |
| Noncurrent loans to loans | 2.4523% | 3,098 |
| Net loans and leases to total assets | 80.5749% | 902 |
| Net loans and leases to deposits | 96.6019% | 1,257 |
| Net loans and leases to core deposits | 128.1972% | 1,383 |
| Total domestic deposits to total assets | 83.4092% | 4,330 |
| Equity capital to assets | 9.9197% | 3,874 |
| Core capital (leverage) ratio | 9.0655% | 4,314 |
| Tier 1 risk-based capital ratio | 10.7606% | 6,146 |
| Total risk-based capital ratio | 12.0112% | 6,119 |
| Memoranda: |
| Average total assets | $355,222,400 | 1,910 |
| Average earning assets | $329,734,600 | 1,883 |
| Average equity | $37,193,600 | 1,807 |
| Average total loans | $305,788,800 | 1,568 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.1572% | 1,478 |
| Cost of funding earning assets | 1.9231% | 3,759 |
| Net interest margin | 4.2341% | 1,930 |
| Noninterest income to average assets | 1.1870% | 1,109 |
| Noninterest expense to average assets | 3.1679% | 3,411 |
| Loan and lease loss provision to assets | 0.4170% | 3,822 |
| Net operating income to assets | 1.0235% | 1,979 |
| Return on assets (ROA) | 1.0232% | 2,051 |
| Pretax return on assets | 1.5263% | 1,341 |
| Return on Equity (ROE) | 9.6365% | 2,054 |
| Retained earnings to average equity (ytd only) | -0.5846% | 5,374 |
| Net charge-offs to loans | 0.2596% | 4,425 |
| Credit loss provision to net charge-offs | 184.0336% | 2,476 |
| Earnings coverage of net charge-offs (x) | 8.5782% | 2,222 |
| Efficiency ratio | 61.2158% | 6,238 |
| Assets per employee ($millions) | 3.7114% | 4,396 |
| Cash dividends to net income (ytd only)* | 106.0663% | 500 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1373% | 5,492 |
| Loan loss allowance to noncurrent loans | 64.0141% | 4,129 |
| Noncurrent assets plus other real estate owned to assets | 2.3941% | 2,879 |
| Noncurrent loans to loans | 1.7766% | 3,949 |
| Net loans and leases to total assets | 84.1978% | 516 |
| Net loans and leases to deposits | 102.6673% | 868 |
| Net loans and leases to core deposits | 135.9269% | 1,108 |
| Total domestic deposits to total assets | 82.0103% | 4,674 |
| Equity capital to assets | 10.6458% | 3,351 |
| Core capital (leverage) ratio | 9.4011% | 4,045 |
| Tier 1 risk-based capital ratio | 10.9613% | 5,985 |
| Total risk-based capital ratio | 12.1033% | 6,059 |
| Memoranda: |
| Average total assets | $350,126,500 | 1,951 |
| Average earning assets | $324,533,250 | 1,933 |
| Average equity | $37,177,250 | 1,825 |
| Average total loans | $305,573,750 | 1,586 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.1395% | 1,651 |
| Cost of funding earning assets | 1.9643% | 3,946 |
| Net interest margin | 4.1752% | 2,076 |
| Noninterest income to average assets | 1.3871% | 794 |
| Noninterest expense to average assets | 3.2890% | 3,003 |
| Loan and lease loss provision to assets | 0.3522% | 3,813 |
| Net operating income to assets | 1.0764% | 1,851 |
| Return on assets (ROA) | 1.0768% | 1,925 |
| Pretax return on assets | 1.6095% | 1,185 |
| Return on Equity (ROE) | 10.1500% | 1,970 |
| Retained earnings to average equity (ytd only) | 2.5673% | 3,898 |
| Net charge-offs to loans | 0.2860% | 3,763 |
| Credit loss provision to net charge-offs | 139.9543% | 3,338 |
| Earnings coverage of net charge-offs (x) | 7.7922% | 2,384 |
| Efficiency ratio | 61.9022% | 6,261 |
| Assets per employee ($millions) | 3.7916% | 4,119 |
| Cash dividends to net income (ytd only)* | 74.7065% | 1,218 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0215% | 6,069 |
| Loan loss allowance to noncurrent loans | 83.9645% | 3,369 |
| Noncurrent assets plus other real estate owned to assets | 1.8595% | 3,392 |
| Noncurrent loans to loans | 1.2166% | 4,778 |
| Net loans and leases to total assets | 85.8979% | 387 |
| Net loans and leases to deposits | 110.0336% | 547 |
| Net loans and leases to core deposits | 145.7424% | 771 |
| Total domestic deposits to total assets | 78.0652% | 6,058 |
| Equity capital to assets | 10.8864% | 3,029 |
| Core capital (leverage) ratio | 9.8450% | 3,456 |
| Tier 1 risk-based capital ratio | 11.2501% | 5,643 |
| Total risk-based capital ratio | 12.2928% | 5,752 |
| Memoranda: |
| Average total assets | $348,069,000 | 1,987 |
| Average earning assets | $322,044,670 | 1,971 |
| Average equity | $36,926,000 | 1,852 |
| Average total loans | $306,282,670 | 1,614 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.1684% | 1,698 |
| Cost of funding earning assets | 2.0507% | 3,871 |
| Net interest margin | 4.1177% | 2,220 |
| Noninterest income to average assets | 1.4147% | 700 |
| Noninterest expense to average assets | 3.2112% | 2,938 |
| Loan and lease loss provision to assets | 0.1735% | 4,727 |
| Net operating income to assets | 1.2308% | 1,563 |
| Return on assets (ROA) | 1.2308% | 1,673 |
| Pretax return on assets | 1.8416% | 909 |
| Return on Equity (ROE) | 11.7585% | 1,741 |
| Retained earnings to average equity (ytd only) | 11.7585% | 836 |
| Net charge-offs to loans | 0.2441% | 3,180 |
| Credit loss provision to net charge-offs | 80.2139% | 4,188 |
| Earnings coverage of net charge-offs (x) | 9.3155% | 2,073 |
| Efficiency ratio | 60.6906% | 6,294 |
| Assets per employee ($millions) | 3.5838% | 4,608 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9563% | 6,453 |
| Loan loss allowance to noncurrent loans | 82.1539% | 3,597 |
| Noncurrent assets plus other real estate owned to assets | 1.9003% | 3,060 |
| Noncurrent loans to loans | 1.1641% | 4,657 |
| Net loans and leases to total assets | 87.7197% | 289 |
| Net loans and leases to deposits | 112.8956% | 481 |
| Net loans and leases to core deposits | 148.0936% | 776 |
| Total domestic deposits to total assets | 77.6998% | 6,106 |
| Equity capital to assets | 11.2874% | 2,734 |
| Core capital (leverage) ratio | 9.9490% | 3,458 |
| Tier 1 risk-based capital ratio | 11.3713% | 5,535 |
| Total risk-based capital ratio | 12.3371% | 5,729 |
| Memoranda: |
| Average total assets | $345,792,500 | 2,007 |
| Average earning assets | $320,081,000 | 1,984 |
| Average equity | $36,195,000 | 1,892 |
| Average total loans | $306,413,500 | 1,631 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.6266% | 2,366 |
| Cost of funding earning assets | 2.5917% | 3,721 |
| Net interest margin | 4.0349% | 2,959 |
| Noninterest income to average assets | 0.7992% | 2,520 |
| Noninterest expense to average assets | 3.0332% | 3,959 |
| Loan and lease loss provision to assets | 0.3821% | 3,407 |
| Net operating income to assets | 0.7900% | 3,479 |
| Return on assets (ROA) | 0.6426% | 3,986 |
| Pretax return on assets | 0.9248% | 3,642 |
| Return on Equity (ROE) | 7.0047% | 3,527 |
| Retained earnings to average equity (ytd only) | -1.5920% | 5,763 |
| Net charge-offs to loans | 0.3422% | 3,121 |
| Credit loss provision to net charge-offs | 127.1137% | 4,201 |
| Earnings coverage of net charge-offs (x) | 5.0583% | 3,768 |
| Efficiency ratio | 65.7322% | 5,184 |
| Assets per employee ($millions) | 3.6972% | 4,184 |
| Cash dividends to net income (ytd only)* | 122.7273% | 650 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9578% | 6,359 |
| Loan loss allowance to noncurrent loans | 75.7249% | 4,291 |
| Noncurrent assets plus other real estate owned to assets | 1.5385% | 3,144 |
| Noncurrent loans to loans | 1.2648% | 3,978 |
| Net loans and leases to total assets | 87.8077% | 388 |
| Net loans and leases to deposits | 112.5958% | 678 |
| Net loans and leases to core deposits | 147.9581% | 939 |
| Total domestic deposits to total assets | 77.9849% | 5,721 |
| Equity capital to assets | 9.6553% | 4,475 |
| Core capital (leverage) ratio | 8.4763% | 5,615 |
| Tier 1 risk-based capital ratio | 9.6173% | 7,189 |
| Total risk-based capital ratio | 10.5985% | 7,391 |
| Memoranda: |
| Average total assets | $342,348,200 | 1,939 |
| Average earning assets | $318,549,400 | 1,915 |
| Average equity | $31,407,600 | 2,150 |
| Average total loans | $300,706,800 | 1,603 |
