| 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 | 3.3250% | 6,102 |
| Cost of funding earning assets | 0.5929% | 3,172 |
| Net interest margin | 2.7320% | 6,162 |
| Noninterest income to average assets | 0.0695% | 6,675 |
| Noninterest expense to average assets | 2.1934% | 5,702 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.3652% | 5,280 |
| Return on assets (ROA) | 0.3652% | 5,416 |
| Pretax return on assets | 0.5086% | 5,224 |
| Return on Equity (ROE) | 3.1212% | 5,534 |
| Retained earnings to average equity (ytd only) | 3.1212% | 4,401 |
| Net charge-offs to loans | 0.1483% | 2,514 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 6.8788% | 2,151 |
| Efficiency ratio | 81.1774% | 2,168 |
| Assets per employee ($millions) | 9.9102% | 236 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9186% | 6,213 |
| Loan loss allowance to noncurrent loans | 91.7140% | 3,584 |
| Noncurrent assets plus other real estate owned to assets | 0.4939% | 5,144 |
| Noncurrent loans to loans | 1.0016% | 4,127 |
| Net loans and leases to total assets | 48.8544% | 5,131 |
| Net loans and leases to deposits | 59.6814% | 4,835 |
| Net loans and leases to core deposits | 63.3394% | 4,810 |
| Total domestic deposits to total assets | 81.8587% | 5,250 |
| Equity capital to assets | 11.7590% | 2,211 |
| Core capital (leverage) ratio | 11.7194% | 1,733 |
| Tier 1 risk-based capital ratio | 23.1381% | 1,135 |
| Total risk-based capital ratio | 24.0328% | 1,168 |
| Memoranda: |
| Average total assets | $178,533,000 | 3,360 |
| Average earning assets | $172,032,000 | 3,255 |
| Average equity | $20,889,500 | 3,147 |
| Average total loans | $88,991,500 | 3,770 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4915% | 6,366 |
| Cost of funding earning assets | 0.7764% | 2,860 |
| Net interest margin | 2.7151% | 6,497 |
| Noninterest income to average assets | 0.0823% | 6,574 |
| Noninterest expense to average assets | 2.0992% | 6,130 |
| Loan and lease loss provision to assets | 0.0762% | 4,769 |
| Net operating income to assets | 0.2792% | 5,545 |
| Return on assets (ROA) | 0.2792% | 5,756 |
| Pretax return on assets | 0.4667% | 5,381 |
| Return on Equity (ROE) | 2.4497% | 5,774 |
| Retained earnings to average equity (ytd only) | 2.4497% | 4,514 |
| Net charge-offs to loans | 0.7137% | 1,649 |
| Credit loss provision to net charge-offs | 22.7953% | 5,246 |
| Earnings coverage of net charge-offs (x) | 1.6240% | 4,635 |
| Efficiency ratio | 79.4526% | 2,217 |
| Assets per employee ($millions) | 9.4044% | 290 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9342% | 6,183 |
| Loan loss allowance to noncurrent loans | 76.6636% | 4,023 |
| Noncurrent assets plus other real estate owned to assets | 0.6139% | 4,935 |
| Noncurrent loans to loans | 1.2185% | 3,814 |
| Net loans and leases to total assets | 49.9130% | 5,177 |
| Net loans and leases to deposits | 62.0956% | 4,775 |
| Net loans and leases to core deposits | 68.0030% | 4,531 |
| Total domestic deposits to total assets | 80.3809% | 5,574 |
| Equity capital to assets | 11.6424% | 2,313 |
| Core capital (leverage) ratio | 11.6078% | 1,799 |
| Tier 1 risk-based capital ratio | 21.4598% | 1,369 |
| Total risk-based capital ratio | 22.3303% | 1,417 |
| Memoranda: |
| Average total assets | $179,781,000 | 3,321 |
| Average earning assets | $169,497,200 | 3,237 |
| Average equity | $20,492,000 | 3,144 |
| Average total loans | $84,205,400 | 3,903 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4487% | 6,561 |
| Cost of funding earning assets | 0.8078% | 2,876 |
| Net interest margin | 2.6409% | 6,712 |
| Noninterest income to average assets | 0.0518% | 6,793 |
| Noninterest expense to average assets | 2.0497% | 6,271 |
| Loan and lease loss provision to assets | 0.1014% | 4,306 |
| Net operating income to assets | 0.2333% | 5,831 |
| Return on assets (ROA) | 0.2333% | 6,013 |
| Pretax return on assets | 0.3821% | 5,757 |
| Return on Equity (ROE) | 2.0573% | 6,007 |
| Retained earnings to average equity (ytd only) | 2.0573% | 5,293 |
| Net charge-offs to loans | 0.7073% | 1,565 |
| Credit loss provision to net charge-offs | 31.2073% | 4,785 |
| Earnings coverage of net charge-offs (x) | 1.4875% | 4,543 |
| Efficiency ratio | 80.9120% | 1,951 |
| Assets per employee ($millions) | 9.6114% | 271 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1566% | 5,489 |
| Loan loss allowance to noncurrent loans | 100.5010% | 3,212 |
| Noncurrent assets plus other real estate owned to assets | 0.5465% | 5,307 |
| Noncurrent loans to loans | 1.1508% | 4,138 |
| Net loans and leases to total assets | 46.9376% | 5,665 |
| Net loans and leases to deposits | 58.7627% | 5,346 |
| Net loans and leases to core deposits | 64.7500% | 5,078 |
| Total domestic deposits to total assets | 79.8765% | 5,690 |
| Equity capital to assets | 11.2706% | 2,962 |
| Core capital (leverage) ratio | 11.2531% | 2,176 |
| Tier 1 risk-based capital ratio | 22.1965% | 1,298 |
| Total risk-based capital ratio | 22.7907% | 1,389 |
| Memoranda: |
| Average total assets | $180,055,500 | 3,349 |
| Average earning assets | $169,179,250 | 3,272 |
| Average equity | $20,414,250 | 3,185 |
| Average total loans | $82,750,000 | 3,997 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4305% | 6,701 |
| Cost of funding earning assets | 0.8454% | 2,831 |
| Net interest margin | 2.5851% | 6,829 |
| Noninterest income to average assets | 0.0792% | 6,759 |
| Noninterest expense to average assets | 2.0524% | 6,328 |
| Loan and lease loss provision to assets | 0.1529% | 3,609 |
| Net operating income to assets | 0.1797% | 5,979 |
| Return on assets (ROA) | 0.1797% | 6,151 |
| Pretax return on assets | 0.2935% | 5,979 |
| Return on Equity (ROE) | 1.5817% | 6,171 |
| Retained earnings to average equity (ytd only) | 1.5817% | 5,415 |
| Net charge-offs to loans | 0.2088% | 3,318 |
| Credit loss provision to net charge-offs | 161.1765% | 1,731 |
| Earnings coverage of net charge-offs (x) | 4.7059% | 3,010 |
| Efficiency ratio | 82.1349% | 1,861 |
| Assets per employee ($millions) | 9.8202% | 241 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6011% | 3,603 |
| Loan loss allowance to noncurrent loans | 67.2448% | 4,315 |
| Noncurrent assets plus other real estate owned to assets | 1.3710% | 3,694 |
| Noncurrent loans to loans | 2.3810% | 2,519 |
| Net loans and leases to total assets | 44.6965% | 5,951 |
| Net loans and leases to deposits | 55.8337% | 5,669 |
| Net loans and leases to core deposits | 61.2454% | 5,467 |
| Total domestic deposits to total assets | 80.0528% | 5,725 |
| Equity capital to assets | 10.9431% | 3,176 |
| Core capital (leverage) ratio | 10.9302% | 2,372 |
| Tier 1 risk-based capital ratio | 22.2728% | 1,241 |
| Total risk-based capital ratio | 23.5191% | 1,220 |
| Memoranda: |
| Average total assets | $179,201,670 | 3,367 |
| Average earning assets | $167,731,670 | 3,297 |
| Average equity | $20,358,330 | 3,181 |
| Average total loans | $81,427,000 | 4,058 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4841% | 6,721 |
| Cost of funding earning assets | 0.9103% | 2,607 |
| Net interest margin | 2.5738% | 6,891 |
| Noninterest income to average assets | 0.0866% | 6,798 |
| Noninterest expense to average assets | 2.0512% | 6,376 |
| Loan and lease loss provision to assets | 0.1709% | 3,259 |
| Net operating income to assets | 0.1573% | 6,100 |
| Return on assets (ROA) | 0.1573% | 6,232 |
| Pretax return on assets | 0.2553% | 6,071 |
| Return on Equity (ROE) | 1.3577% | 6,271 |
| Retained earnings to average equity (ytd only) | 1.3577% | 5,556 |
| Net charge-offs to loans | 0.4263% | 2,031 |
| Credit loss provision to net charge-offs | 88.2353% | 2,579 |
| Earnings coverage of net charge-offs (x) | 2.2000% | 3,284 |
| Efficiency ratio | 82.7967% | 1,829 |
| Assets per employee ($millions) | 9.4417% | 283 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5734% | 3,833 |
| Loan loss allowance to noncurrent loans | 70.7264% | 4,010 |
| Noncurrent assets plus other real estate owned to assets | 1.3490% | 3,863 |
| Noncurrent loans to loans | 2.2246% | 2,895 |
| Net loans and leases to total assets | 45.1592% | 5,879 |
| Net loans and leases to deposits | 57.6885% | 5,419 |
| Net loans and leases to core deposits | 63.4781% | 5,175 |
| Total domestic deposits to total assets | 78.2811% | 6,230 |
| Equity capital to assets | 11.3734% | 2,555 |
| Core capital (leverage) ratio | 11.3149% | 2,022 |
| Tier 1 risk-based capital ratio | 22.4302% | 1,223 |
| Total risk-based capital ratio | 23.6822% | 1,198 |
| Memoranda: |
| Average total assets | $175,511,000 | 3,446 |
| Average earning assets | $163,024,500 | 3,390 |
| Average equity | $20,328,500 | 3,190 |
| Average total loans | $79,764,000 | 4,126 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8708% | 6,649 |
| Cost of funding earning assets | 1.1065% | 2,630 |
| Net interest margin | 2.7643% | 6,866 |
| Noninterest income to average assets | 0.1821% | 6,191 |
| Noninterest expense to average assets | 2.2416% | 6,182 |
| Loan and lease loss provision to assets | 0.0819% | 5,588 |
| Net operating income to assets | 0.2791% | 5,335 |
| Return on assets (ROA) | 0.3289% | 5,303 |
| Pretax return on assets | 0.4992% | 4,995 |
| Return on Equity (ROE) | 2.7588% | 5,383 |
| Retained earnings to average equity (ytd only) | 2.7588% | 4,271 |
| Net charge-offs to loans | 0.2239% | 4,381 |
| Credit loss provision to net charge-offs | 78.9773% | 4,501 |
| Earnings coverage of net charge-offs (x) | 4.8750% | 2,956 |
| Efficiency ratio | 81.5919% | 2,080 |
| Assets per employee ($millions) | 10.0959% | 224 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0010% | 6,213 |
| Loan loss allowance to noncurrent loans | 30.6868% | 6,158 |
| Noncurrent assets plus other real estate owned to assets | 1.4677% | 3,767 |
| Noncurrent loans to loans | 3.2621% | 1,986 |
| Net loans and leases to total assets | 44.5423% | 6,156 |
| Net loans and leases to deposits | 58.8211% | 5,615 |
| Net loans and leases to core deposits | 66.4378% | 5,210 |
| Total domestic deposits to total assets | 75.7251% | 6,519 |
| Equity capital to assets | 11.8010% | 2,269 |
| Core capital (leverage) ratio | 11.7891% | 1,713 |
| Tier 1 risk-based capital ratio | 23.5757% | 1,017 |
| Total risk-based capital ratio | 24.4765% | 1,054 |
| Memoranda: |
| Average total assets | $169,659,000 | 3,494 |
| Average earning assets | $157,435,000 | 3,448 |
| Average equity | $20,226,000 | 3,101 |
| Average total loans | $78,603,200 | 4,187 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0052% | 6,581 |
| Cost of funding earning assets | 1.1368% | 2,718 |
| Net interest margin | 2.8684% | 6,804 |
| Noninterest income to average assets | 0.2049% | 6,141 |
| Noninterest expense to average assets | 2.2754% | 6,102 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.3618% | 5,152 |
| Return on assets (ROA) | 0.3618% | 5,342 |
| Pretax return on assets | 0.5943% | 4,827 |
| Return on Equity (ROE) | 3.0268% | 5,406 |
| Retained earnings to average equity (ytd only) | 3.0268% | 4,528 |
| Net charge-offs to loans | -0.0996% | 7,163 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.2914% | 2,363 |
| Assets per employee ($millions) | 10.1351% | 240 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1219% | 5,802 |
| Loan loss allowance to noncurrent loans | 28.5292% | 6,335 |
| Noncurrent assets plus other real estate owned to assets | 1.7679% | 3,449 |
| Noncurrent loans to loans | 3.9325% | 1,684 |
| Net loans and leases to total assets | 44.4520% | 6,288 |
| Net loans and leases to deposits | 57.8074% | 5,858 |
| Net loans and leases to core deposits | 65.4249% | 5,479 |
| Total domestic deposits to total assets | 76.8967% | 6,391 |
| Equity capital to assets | 11.9010% | 2,331 |
| Core capital (leverage) ratio | 11.7099% | 1,881 |
| Tier 1 risk-based capital ratio | 23.9120% | 1,019 |
| Total risk-based capital ratio | 24.9442% | 1,033 |
| Memoranda: |
| Average total assets | $169,166,250 | 3,531 |
| Average earning assets | $157,158,000 | 3,477 |
| Average equity | $20,219,000 | 3,113 |
| Average total loans | $78,948,750 | 4,208 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0499% | 6,572 |
| Cost of funding earning assets | 1.1567% | 2,859 |
| Net interest margin | 2.8931% | 6,802 |
| Noninterest income to average assets | 0.1773% | 6,387 |
| Noninterest expense to average assets | 2.3066% | 6,106 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.3450% | 5,195 |
| Return on assets (ROA) | 0.3450% | 5,329 |
| Pretax return on assets | 0.5663% | 4,853 |
| Return on Equity (ROE) | 2.8822% | 5,445 |
| Retained earnings to average equity (ytd only) | 2.8822% | 4,453 |
| Net charge-offs to loans | -0.1485% | 7,251 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2899% | 2,342 |
| Assets per employee ($millions) | 11.1344% | 183 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0812% | 6,032 |
| Loan loss allowance to noncurrent loans | 26.0024% | 6,476 |
| Noncurrent assets plus other real estate owned to assets | 1.8759% | 3,397 |
| Noncurrent loans to loans | 4.1580% | 1,641 |
| Net loans and leases to total assets | 44.6292% | 6,379 |
| Net loans and leases to deposits | 57.4414% | 6,004 |
| Net loans and leases to core deposits | 63.8867% | 5,732 |
| Total domestic deposits to total assets | 77.6952% | 6,343 |
| Equity capital to assets | 11.4134% | 2,586 |
| Core capital (leverage) ratio | 11.2295% | 2,091 |
| Tier 1 risk-based capital ratio | 22.6177% | 1,177 |
| Total risk-based capital ratio | 23.6023% | 1,176 |
| Memoranda: |
| Average total assets | $168,123,000 | 3,570 |
| Average earning assets | $156,646,000 | 3,516 |
| Average equity | $20,123,670 | 3,113 |
| Average total loans | $79,445,670 | 4,236 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0509% | 6,599 |
| Cost of funding earning assets | 1.2092% | 2,757 |
| Net interest margin | 2.8417% | 6,846 |
| Noninterest income to average assets | 0.2207% | 6,156 |
| Noninterest expense to average assets | 2.3837% | 5,937 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.2967% | 5,428 |
| Return on assets (ROA) | 0.2967% | 5,493 |
| Pretax return on assets | 0.4880% | 5,067 |
| Return on Equity (ROE) | 2.4177% | 5,628 |
| Retained earnings to average equity (ytd only) | 2.4177% | 4,698 |
| Net charge-offs to loans | -0.7040% | 7,453 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.0060% | 2,078 |
| Assets per employee ($millions) | 10.0516% | 235 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2042% | 5,613 |
| Loan loss allowance to noncurrent loans | 26.5603% | 6,487 |
| Noncurrent assets plus other real estate owned to assets | 2.0910% | 3,208 |
| Noncurrent loans to loans | 4.5339% | 1,537 |
| Net loans and leases to total assets | 45.5638% | 6,324 |
| Net loans and leases to deposits | 59.0890% | 5,815 |
| Net loans and leases to core deposits | 67.7999% | 5,316 |
| Total domestic deposits to total assets | 77.1104% | 6,517 |
| Equity capital to assets | 11.7231% | 2,106 |
| Core capital (leverage) ratio | 11.6004% | 1,795 |
| Tier 1 risk-based capital ratio | 22.9830% | 1,083 |
| Total risk-based capital ratio | 24.0848% | 1,090 |
| Memoranda: |
| Average total assets | $163,109,500 | 3,652 |
| Average earning assets | $152,164,000 | 3,610 |
| Average equity | $20,019,000 | 3,111 |
| Average total loans | $78,980,500 | 4,292 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5567% | 6,230 |
| Cost of funding earning assets | 1.3760% | 3,418 |
| Net interest margin | 3.1807% | 6,312 |
| Noninterest income to average assets | 0.1227% | 6,790 |
| Noninterest expense to average assets | 2.3787% | 6,142 |
| Loan and lease loss provision to assets | 0.0949% | 6,195 |
| Net operating income to assets | 0.4099% | 4,498 |
| Return on assets (ROA) | 0.4099% | 4,631 |
| Pretax return on assets | 0.6953% | 3,992 |
| Return on Equity (ROE) | 3.2720% | 4,837 |
| Retained earnings to average equity (ytd only) | 3.2720% | 3,579 |
| Net charge-offs to loans | 0.5373% | 3,463 |
| Credit loss provision to net charge-offs | 34.6420% | 6,453 |
| Earnings coverage of net charge-offs (x) | 2.8845% | 3,628 |
| Efficiency ratio | 75.0649% | 3,198 |
| Assets per employee ($millions) | 9.1378% | 321 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0233% | 6,270 |
| Loan loss allowance to noncurrent loans | 17.7749% | 6,890 |
| Noncurrent assets plus other real estate owned to assets | 2.9335% | 2,394 |
| Noncurrent loans to loans | 5.7571% | 1,108 |
| Net loans and leases to total assets | 50.4332% | 6,128 |
| Net loans and leases to deposits | 67.2273% | 5,213 |
| Net loans and leases to core deposits | 77.2821% | 4,553 |
| Total domestic deposits to total assets | 75.0190% | 6,767 |
| Equity capital to assets | 12.8787% | 1,449 |
| Core capital (leverage) ratio | 12.6921% | 1,248 |
| Tier 1 risk-based capital ratio | 22.1554% | 1,149 |
| Total risk-based capital ratio | 23.0676% | 1,179 |
| Memoranda: |
| Average total assets | $158,071,000 | 3,735 |
| Average earning assets | $151,381,000 | 3,614 |
| Average equity | $19,804,200 | 3,175 |
| Average total loans | $80,581,600 | 4,325 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6457% | 6,210 |
| Cost of funding earning assets | 1.3986% | 3,595 |
| Net interest margin | 3.2471% | 6,184 |
| Noninterest income to average assets | 0.1167% | 6,966 |
| Noninterest expense to average assets | 2.3306% | 6,229 |
| Loan and lease loss provision to assets | 0.0546% | 6,523 |
| Net operating income to assets | 0.5098% | 4,272 |
| Return on assets (ROA) | 0.5098% | 4,461 |
| Pretax return on assets | 0.8357% | 3,782 |
| Return on Equity (ROE) | 4.0970% | 4,724 |
| Retained earnings to average equity (ytd only) | 4.0970% | 3,592 |
| Net charge-offs to loans | 0.0659% | 5,854 |
| Credit loss provision to net charge-offs | 162.5000% | 2,321 |
| Earnings coverage of net charge-offs (x) | 26.5010% | 957 |
| Efficiency ratio | 72.3598% | 3,636 |
| Assets per employee ($millions) | 9.3046% | 311 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4255% | 4,334 |
| Loan loss allowance to noncurrent loans | 49.4686% | 4,992 |
| Noncurrent assets plus other real estate owned to assets | 1.5236% | 4,161 |
| Noncurrent loans to loans | 2.8815% | 2,772 |
| Net loans and leases to total assets | 48.8333% | 6,450 |
| Net loans and leases to deposits | 64.9295% | 5,799 |
| Net loans and leases to core deposits | 72.0257% | 5,508 |
| Total domestic deposits to total assets | 75.2097% | 6,781 |
| Equity capital to assets | 12.6641% | 1,773 |
| Core capital (leverage) ratio | 12.4433% | 1,443 |
| Tier 1 risk-based capital ratio | 22.1920% | 1,181 |
| Total risk-based capital ratio | 23.4421% | 1,148 |
| Memoranda: |
| Average total assets | $158,753,250 | 3,781 |
| Average earning assets | $151,764,250 | 3,659 |
| Average equity | $19,753,750 | 3,224 |
| Average total loans | $80,938,500 | 4,384 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6728% | 6,238 |
| Cost of funding earning assets | 1.4165% | 3,773 |
| Net interest margin | 3.2563% | 6,149 |
| Noninterest income to average assets | 0.1145% | 7,033 |
| Noninterest expense to average assets | 2.2851% | 6,395 |
| Loan and lease loss provision to assets | 0.0692% | 6,262 |
| Net operating income to assets | 0.5285% | 4,205 |
| Return on assets (ROA) | 0.5285% | 4,358 |
| Pretax return on assets | 0.8670% | 3,636 |
| Return on Equity (ROE) | 4.2724% | 4,655 |
| Retained earnings to average equity (ytd only) | 4.2724% | 3,358 |
| Net charge-offs to loans | 0.0538% | 5,627 |
| Credit loss provision to net charge-offs | 250.0000% | 1,522 |
| Earnings coverage of net charge-offs (x) | 33.8182% | 833 |
| Efficiency ratio | 70.9375% | 3,993 |
| Assets per employee ($millions) | 9.3998% | 297 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4335% | 4,269 |
| Loan loss allowance to noncurrent loans | 67.5676% | 3,962 |
| Noncurrent assets plus other real estate owned to assets | 1.1540% | 4,819 |
| Noncurrent loans to loans | 2.1216% | 3,566 |
| Net loans and leases to total assets | 48.4064% | 6,600 |
| Net loans and leases to deposits | 64.4412% | 5,981 |
| Net loans and leases to core deposits | 70.5799% | 5,820 |
| Total domestic deposits to total assets | 75.1172% | 6,841 |
| Equity capital to assets | 12.4433% | 1,831 |
| Core capital (leverage) ratio | 12.2026% | 1,539 |
| Tier 1 risk-based capital ratio | 21.7218% | 1,244 |
| Total risk-based capital ratio | 22.9718% | 1,218 |
| Memoranda: |
| Average total assets | $158,944,670 | 3,813 |
| Average earning assets | $151,644,000 | 3,680 |
| Average equity | $19,661,000 | 3,222 |
| Average total loans | $81,797,670 | 4,393 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8374% | 5,735 |
| Cost of funding earning assets | 1.4359% | 3,956 |
| Net interest margin | 3.4016% | 5,576 |
| Noninterest income to average assets | 0.0858% | 7,274 |
| Noninterest expense to average assets | 2.2635% | 6,505 |
| Loan and lease loss provision to assets | 0.1009% | 5,619 |
| Net operating income to assets | 0.5854% | 3,959 |
| Return on assets (ROA) | 0.5854% | 4,104 |
| Pretax return on assets | 0.9614% | 3,231 |
| Return on Equity (ROE) | 4.7469% | 4,505 |
| Retained earnings to average equity (ytd only) | 4.7469% | 3,296 |
| Net charge-offs to loans | 0.1054% | 4,369 |
| Credit loss provision to net charge-offs | 181.8182% | 2,010 |
| Earnings coverage of net charge-offs (x) | 19.1364% | 1,210 |
| Efficiency ratio | 68.0577% | 4,711 |
| Assets per employee ($millions) | 10.0089% | 265 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3847% | 4,494 |
| Loan loss allowance to noncurrent loans | 191.1074% | 1,480 |
| Noncurrent assets plus other real estate owned to assets | 0.3722% | 6,546 |
| Noncurrent loans to loans | 0.7245% | 5,872 |
| Net loans and leases to total assets | 50.6550% | 6,409 |
| Net loans and leases to deposits | 67.2263% | 5,683 |
| Net loans and leases to core deposits | 72.8592% | 5,626 |
| Total domestic deposits to total assets | 75.3500% | 6,859 |
| Equity capital to assets | 12.2860% | 1,882 |
| Core capital (leverage) ratio | 12.0564% | 1,628 |
| Tier 1 risk-based capital ratio | 19.7952% | 1,559 |
| Total risk-based capital ratio | 21.3958% | 1,464 |
| Memoranda: |
| Average total assets | $158,518,500 | 3,874 |
| Average earning assets | $150,989,500 | 3,740 |
| Average equity | $19,549,500 | 3,259 |
| Average total loans | $83,458,000 | 4,403 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4813% | 4,244 |
| Cost of funding earning assets | 1.9002% | 3,460 |
| Net interest margin | 3.5811% | 4,615 |
| Noninterest income to average assets | 0.1233% | 7,137 |
| Noninterest expense to average assets | 2.5073% | 6,096 |
| Loan and lease loss provision to assets | 0.3259% | 4,861 |
| Net operating income to assets | 0.4480% | 3,937 |
| Return on assets (ROA) | 0.5074% | 3,794 |
| Pretax return on assets | 0.8109% | 3,204 |
| Return on Equity (ROE) | 3.9304% | 4,121 |
| Retained earnings to average equity (ytd only) | 3.9304% | 2,457 |
| Net charge-offs to loans | 0.0574% | 6,521 |
| Credit loss provision to net charge-offs | 1,045.6522% | 282 |
| Earnings coverage of net charge-offs (x) | 33.5000% | 697 |
| Efficiency ratio | 70.6028% | 4,508 |
| Assets per employee ($millions) | 9.8059% | 274 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3206% | 4,648 |
| Loan loss allowance to noncurrent loans | 247.3451% | 1,218 |
| Noncurrent assets plus other real estate owned to assets | 0.2881% | 6,727 |
| Noncurrent loans to loans | 0.5339% | 6,183 |
| Net loans and leases to total assets | 53.2452% | 6,278 |
| Net loans and leases to deposits | 75.7146% | 4,793 |
| Net loans and leases to core deposits | 98.6328% | 4,162 |
| Total domestic deposits to total assets | 70.3235% | 7,396 |
| Equity capital to assets | 12.3803% | 1,806 |
| Core capital (leverage) ratio | 12.1569% | 1,599 |
| Tier 1 risk-based capital ratio | 20.2592% | 1,412 |
| Total risk-based capital ratio | 21.8746% | 1,323 |
| Memoranda: |
| Average total assets | $147,607,200 | 3,992 |
| Average earning assets | $141,297,800 | 3,869 |
| Average equity | $19,056,600 | 3,337 |
| Average total loans | $80,143,600 | 4,502 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5064% | 4,388 |
| Cost of funding earning assets | 1.9806% | 3,466 |
| Net interest margin | 3.5258% | 4,760 |
| Noninterest income to average assets | 0.1285% | 7,243 |
| Noninterest expense to average assets | 2.5925% | 5,737 |
| Loan and lease loss provision to assets | 0.1340% | 6,019 |
| Net operating income to assets | 0.4772% | 4,083 |
| Return on assets (ROA) | 0.4772% | 4,183 |
| Pretax return on assets | 0.7837% | 3,591 |
| Return on Equity (ROE) | 3.6558% | 4,517 |
| Retained earnings to average equity (ytd only) | 3.6558% | 3,243 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8562% | 3,883 |
| Assets per employee ($millions) | 8.6629% | 407 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9714% | 6,435 |
| Loan loss allowance to noncurrent loans | 373.8739% | 829 |
| Noncurrent assets plus other real estate owned to assets | 0.1424% | 7,190 |
| Noncurrent loans to loans | 0.2598% | 6,861 |
| Net loans and leases to total assets | 54.2634% | 6,352 |
| Net loans and leases to deposits | 75.8041% | 5,082 |
| Net loans and leases to core deposits | 95.6955% | 4,839 |
| Total domestic deposits to total assets | 71.5838% | 7,264 |
| Equity capital to assets | 12.4445% | 1,987 |
| Core capital (leverage) ratio | 12.1018% | 1,754 |
| Tier 1 risk-based capital ratio | 20.1953% | 1,519 |
| Total risk-based capital ratio | 21.0871% | 1,550 |
| Memoranda: |
| Average total assets | $145,285,250 | 4,053 |
| Average earning assets | $139,349,000 | 3,940 |
| Average equity | $18,964,750 | 3,378 |
| Average total loans | $79,015,250 | 4,584 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5784% | 4,173 |
| Cost of funding earning assets | 2.0585% | 3,481 |
| Net interest margin | 3.5199% | 4,703 |
| Noninterest income to average assets | 0.1312% | 7,305 |
| Noninterest expense to average assets | 2.6542% | 5,542 |
| Loan and lease loss provision to assets | 0.1199% | 5,923 |
| Net operating income to assets | 0.4417% | 4,326 |
| Return on assets (ROA) | 0.4417% | 4,436 |
| Pretax return on assets | 0.7253% | 3,918 |
| Return on Equity (ROE) | 3.3266% | 4,776 |
| Retained earnings to average equity (ytd only) | 3.3266% | 3,475 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8468% | 3,717 |
| Assets per employee ($millions) | 7.7746% | 545 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9612% | 6,496 |
| Loan loss allowance to noncurrent loans | 250.4886% | 1,244 |
| Noncurrent assets plus other real estate owned to assets | 0.2078% | 6,986 |
| Noncurrent loans to loans | 0.3837% | 6,550 |
| Net loans and leases to total assets | 53.6400% | 6,502 |
| Net loans and leases to deposits | 73.0360% | 5,603 |
| Net loans and leases to core deposits | 94.3117% | 5,080 |
| Total domestic deposits to total assets | 73.4433% | 7,045 |
| Equity capital to assets | 12.9260% | 1,722 |
| Core capital (leverage) ratio | 12.6273% | 1,570 |
| Tier 1 risk-based capital ratio | 20.8724% | 1,422 |
| Total risk-based capital ratio | 21.7359% | 1,451 |
| Memoranda: |
| Average total assets | $141,736,330 | 4,142 |
| Average earning assets | $135,630,330 | 4,037 |
| Average equity | $18,818,000 | 3,421 |
| Average total loans | $76,872,330 | 4,706 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6078% | 4,304 |
| Cost of funding earning assets | 2.1105% | 3,606 |
| Net interest margin | 3.4973% | 4,747 |
| Noninterest income to average assets | 0.1067% | 7,501 |
| Noninterest expense to average assets | 2.6552% | 5,201 |
| Loan and lease loss provision to assets | 0.1614% | 4,872 |
| Net operating income to assets | 0.3863% | 4,908 |
| Return on assets (ROA) | 0.3863% | 5,091 |
| Pretax return on assets | 0.6343% | 4,639 |
| Return on Equity (ROE) | 2.8694% | 5,416 |
| Retained earnings to average equity (ytd only) | 2.8694% | 4,273 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9424% | 3,337 |
| Assets per employee ($millions) | 7.5264% | 613 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9562% | 6,454 |
| Loan loss allowance to noncurrent loans | 241.0423% | 1,396 |
| Noncurrent assets plus other real estate owned to assets | 0.2147% | 6,879 |
| Noncurrent loans to loans | 0.3967% | 6,426 |
| Net loans and leases to total assets | 53.5979% | 6,518 |
| Net loans and leases to deposits | 73.6549% | 5,526 |
| Net loans and leases to core deposits | 96.5473% | 4,895 |
| Total domestic deposits to total assets | 72.7689% | 7,086 |
| Equity capital to assets | 13.1579% | 1,676 |
| Core capital (leverage) ratio | 12.9106% | 1,511 |
| Tier 1 risk-based capital ratio | 21.2302% | 1,416 |
| Total risk-based capital ratio | 22.5518% | 1,372 |
| Memoranda: |
| Average total assets | $138,745,500 | 4,214 |
| Average earning assets | $132,673,000 | 4,096 |
| Average equity | $18,680,000 | 3,455 |
| Average total loans | $75,306,000 | 4,794 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.0593% | 5,252 |
| Cost of funding earning assets | 2.5007% | 4,202 |
| Net interest margin | 3.5585% | 5,059 |
| Noninterest income to average assets | 0.1340% | 7,438 |
| Noninterest expense to average assets | 2.8134% | 4,765 |
| Loan and lease loss provision to assets | 0.0404% | 6,909 |
| Net operating income to assets | 0.4070% | 5,126 |
| Return on assets (ROA) | 0.4070% | 4,942 |
| Pretax return on assets | 0.6678% | 4,496 |
| Return on Equity (ROE) | 2.7719% | 5,313 |
| Retained earnings to average equity (ytd only) | 2.7719% | 3,453 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.8899% | 2,615 |
| Assets per employee ($millions) | 7.4716% | 575 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9341% | 6,486 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 53.9390% | 6,660 |
| Net loans and leases to deposits | 77.9067% | 5,356 |
| Net loans and leases to core deposits | 95.3985% | 5,308 |
| Total domestic deposits to total assets | 69.2354% | 7,356 |
| Equity capital to assets | 13.7885% | 1,502 |
| Core capital (leverage) ratio | 13.6163% | 1,354 |
| Tier 1 risk-based capital ratio | 22.0066% | 1,316 |
| Total risk-based capital ratio | 23.1529% | 1,293 |
| Memoranda: |
| Average total assets | $123,834,400 | 4,425 |
| Average earning assets | $117,885,600 | 4,311 |
| Average equity | $18,182,800 | 3,530 |
| Average total loans | $67,370,600 | 4,966 |
