| 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 | 2.2331% | 6,546 |
| Cost of funding earning assets | 0.4327% | 3,516 |
| Net interest margin | 1.8004% | 6,554 |
| Noninterest income to average assets | 0.2583% | 5,346 |
| Noninterest expense to average assets | 2.6400% | 4,096 |
| Loan and lease loss provision to assets | -0.2415% | 6,502 |
| Net operating income to assets | -0.2561% | 6,347 |
| Return on assets (ROA) | -0.1208% | 6,282 |
| Pretax return on assets | -0.1931% | 6,308 |
| Return on Equity (ROE) | -1.3202% | 6,293 |
| Retained earnings to average equity (ytd only) | -1.3202% | 5,904 |
| Net charge-offs to loans | -0.3522% | 6,465 |
| Credit loss provision to net charge-offs | 204.7458% | 1,146 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 132.4108% | 90 |
| Assets per employee ($millions) | 8.4347% | 413 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5671% | 2,594 |
| Loan loss allowance to noncurrent loans | 38.1782% | 5,557 |
| Noncurrent assets plus other real estate owned to assets | 1.6471% | 1,978 |
| Noncurrent loans to loans | 4.1046% | 569 |
| Net loans and leases to total assets | 32.3616% | 6,230 |
| Net loans and leases to deposits | 44.9154% | 5,940 |
| Net loans and leases to core deposits | 49.9509% | 5,794 |
| Total domestic deposits to total assets | 72.0500% | 6,248 |
| Equity capital to assets | 9.5397% | 4,705 |
| Core capital (leverage) ratio | 9.2198% | 4,707 |
| Tier 1 risk-based capital ratio | 22.6804% | 1,158 |
| Total risk-based capital ratio | 23.9292% | 1,139 |
| Memoranda: |
| Average total assets | $500,156,000 | 1,343 |
| Average earning assets | $482,114,330 | 1,278 |
| Average equity | $45,750,670 | 1,566 |
| Average total loans | $167,532,000 | 2,364 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.3294% | 6,589 |
| Cost of funding earning assets | 0.4346% | 3,603 |
| Net interest margin | 1.8948% | 6,614 |
| Noninterest income to average assets | 0.2495% | 5,371 |
| Noninterest expense to average assets | 2.4541% | 4,775 |
| Loan and lease loss provision to assets | -0.1475% | 6,528 |
| Net operating income to assets | -0.1454% | 6,316 |
| Return on assets (ROA) | -0.0941% | 6,290 |
| Pretax return on assets | -0.1506% | 6,316 |
| Return on Equity (ROE) | -1.0505% | 6,305 |
| Retained earnings to average equity (ytd only) | -1.0505% | 5,736 |
| Net charge-offs to loans | -0.2067% | 6,394 |
| Credit loss provision to net charge-offs | 211.2360% | 996 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 118.2162% | 188 |
| Assets per employee ($millions) | 7.9971% | 482 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6139% | 2,635 |
| Loan loss allowance to noncurrent loans | 42.2351% | 5,495 |
| Noncurrent assets plus other real estate owned to assets | 1.5468% | 2,287 |
| Noncurrent loans to loans | 3.8212% | 730 |
| Net loans and leases to total assets | 32.5131% | 6,247 |
| Net loans and leases to deposits | 44.5869% | 5,941 |
| Net loans and leases to core deposits | 49.4473% | 5,796 |
| Total domestic deposits to total assets | 72.9208% | 6,311 |
| Equity capital to assets | 9.1317% | 4,967 |
| Core capital (leverage) ratio | 9.0476% | 4,940 |
| Tier 1 risk-based capital ratio | 18.7773% | 2,038 |
| Total risk-based capital ratio | 19.9118% | 2,031 |
| Memoranda: |
| Average total assets | $509,844,000 | 1,327 |
| Average earning assets | $491,456,000 | 1,266 |
| Average equity | $45,693,500 | 1,564 |
| Average total loans | $172,265,500 | 2,320 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.8308% | 6,480 |
| Cost of funding earning assets | 0.4425% | 4,189 |
| Net interest margin | 2.3883% | 6,459 |
| Noninterest income to average assets | 0.2856% | 5,314 |
| Noninterest expense to average assets | 2.5064% | 4,747 |
| Loan and lease loss provision to assets | -0.1502% | 6,547 |
| Net operating income to assets | 0.2257% | 5,760 |
| Return on assets (ROA) | 0.0175% | 6,225 |
| Pretax return on assets | 0.0166% | 6,208 |
| Return on Equity (ROE) | 0.1945% | 6,215 |
| Retained earnings to average equity (ytd only) | 0.1945% | 5,761 |
| Net charge-offs to loans | 0.0345% | 4,753 |
| Credit loss provision to net charge-offs | -1,154.5455% | 6,244 |
| Earnings coverage of net charge-offs (x) | 5.7273% | 3,231 |
| Efficiency ratio | 97.1134% | 583 |
| Assets per employee ($millions) | 7.2658% | 665 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5648% | 2,904 |
| Loan loss allowance to noncurrent loans | 48.3345% | 5,317 |
| Noncurrent assets plus other real estate owned to assets | 1.3947% | 2,656 |
| Noncurrent loans to loans | 3.2375% | 1,031 |
| Net loans and leases to total assets | 33.9719% | 6,301 |
| Net loans and leases to deposits | 46.0615% | 6,005 |
| Net loans and leases to core deposits | 55.0671% | 5,611 |
| Total domestic deposits to total assets | 73.7535% | 6,301 |
| Equity capital to assets | 8.7968% | 5,259 |
| Core capital (leverage) ratio | 8.6462% | 5,485 |
| Tier 1 risk-based capital ratio | 17.2810% | 2,499 |
| Total risk-based capital ratio | 18.3605% | 2,535 |
| Memoranda: |
| Average total assets | $507,389,200 | 1,311 |
| Average earning assets | $487,633,000 | 1,254 |
| Average equity | $45,750,600 | 1,532 |
| Average total loans | $191,109,800 | 2,086 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.8987% | 6,494 |
| Cost of funding earning assets | 0.4390% | 4,394 |
| Net interest margin | 2.4597% | 6,464 |
| Noninterest income to average assets | 0.3064% | 5,250 |
| Noninterest expense to average assets | 2.4733% | 4,800 |
| Loan and lease loss provision to assets | -0.0683% | 6,575 |
| Net operating income to assets | 0.1668% | 5,998 |
| Return on assets (ROA) | 0.0908% | 6,209 |
| Pretax return on assets | 0.1451% | 6,148 |
| Return on Equity (ROE) | 1.0005% | 6,181 |
| Retained earnings to average equity (ytd only) | 1.0005% | 5,576 |
| Net charge-offs to loans | 0.1893% | 2,706 |
| Credit loss provision to net charge-offs | -93.8406% | 5,777 |
| Earnings coverage of net charge-offs (x) | 2.6848% | 3,940 |
| Efficiency ratio | 92.6735% | 810 |
| Assets per employee ($millions) | 7.4583% | 593 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7815% | 2,364 |
| Loan loss allowance to noncurrent loans | 59.9260% | 4,822 |
| Noncurrent assets plus other real estate owned to assets | 1.2405% | 3,158 |
| Noncurrent loans to loans | 2.9728% | 1,364 |
| Net loans and leases to total assets | 32.0571% | 6,450 |
| Net loans and leases to deposits | 44.5565% | 6,182 |
| Net loans and leases to core deposits | 53.8288% | 5,777 |
| Total domestic deposits to total assets | 71.9471% | 6,499 |
| Equity capital to assets | 8.4713% | 5,764 |
| Core capital (leverage) ratio | 8.5040% | 5,767 |
| Tier 1 risk-based capital ratio | 13.6507% | 4,660 |
| Total risk-based capital ratio | 14.5871% | 4,818 |
| Memoranda: |
| Average total assets | $505,269,000 | 1,328 |
| Average earning assets | $485,306,250 | 1,275 |
| Average equity | $45,843,250 | 1,540 |
| Average total loans | $194,378,000 | 2,056 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.8812% | 6,544 |
| Cost of funding earning assets | 0.4429% | 4,505 |
| Net interest margin | 2.4383% | 6,515 |
| Noninterest income to average assets | 0.3053% | 5,267 |
| Noninterest expense to average assets | 2.5814% | 4,449 |
| Loan and lease loss provision to assets | 0.0278% | 4,375 |
| Net operating income to assets | 0.0231% | 6,277 |
| Return on assets (ROA) | 0.0841% | 6,251 |
| Pretax return on assets | 0.1348% | 6,183 |
| Return on Equity (ROE) | 0.9053% | 6,229 |
| Retained earnings to average equity (ytd only) | 0.9053% | 5,539 |
| Net charge-offs to loans | 0.5070% | 1,298 |
| Credit loss provision to net charge-offs | 13.5029% | 3,846 |
| Earnings coverage of net charge-offs (x) | 0.3268% | 4,434 |
| Efficiency ratio | 97.4635% | 598 |
| Assets per employee ($millions) | 7.4302% | 593 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6288% | 3,055 |
| Loan loss allowance to noncurrent loans | 55.7567% | 4,972 |
| Noncurrent assets plus other real estate owned to assets | 1.1602% | 3,430 |
| Noncurrent loans to loans | 2.9213% | 1,534 |
| Net loans and leases to total assets | 35.3188% | 6,345 |
| Net loans and leases to deposits | 48.7182% | 5,936 |
| Net loans and leases to core deposits | 59.4474% | 5,311 |
| Total domestic deposits to total assets | 72.4962% | 6,535 |
| Equity capital to assets | 8.1034% | 6,127 |
| Core capital (leverage) ratio | 8.7644% | 5,338 |
| Tier 1 risk-based capital ratio | 13.0188% | 5,134 |
| Total risk-based capital ratio | 13.9371% | 5,306 |
| Memoranda: |
| Average total assets | $497,179,000 | 1,342 |
| Average earning assets | $477,792,000 | 1,286 |
| Average equity | $46,171,330 | 1,533 |
| Average total loans | $201,559,330 | 1,997 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.9332% | 6,577 |
| Cost of funding earning assets | 0.4603% | 4,484 |
| Net interest margin | 2.4729% | 6,539 |
| Noninterest income to average assets | 0.3793% | 4,628 |
| Noninterest expense to average assets | 2.7478% | 3,883 |
| Loan and lease loss provision to assets | 0.0253% | 4,153 |
| Net operating income to assets | -0.0107% | 6,360 |
| Return on assets (ROA) | 0.1231% | 6,195 |
| Pretax return on assets | 0.1972% | 6,088 |
| Return on Equity (ROE) | 1.2352% | 6,166 |
| Retained earnings to average equity (ytd only) | 1.2352% | 5,355 |
| Net charge-offs to loans | 0.2439% | 1,992 |
| Credit loss provision to net charge-offs | 24.0000% | 2,977 |
| Earnings coverage of net charge-offs (x) | 0.1280% | 3,773 |
| Efficiency ratio | 99.5116% | 569 |
| Assets per employee ($millions) | 6.0793% | 1,201 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7559% | 2,780 |
| Loan loss allowance to noncurrent loans | 34.3820% | 5,854 |
| Noncurrent assets plus other real estate owned to assets | 2.1643% | 2,166 |
| Noncurrent loans to loans | 5.1071% | 734 |
| Net loans and leases to total assets | 39.4964% | 6,035 |
| Net loans and leases to deposits | 52.1443% | 5,599 |
| Net loans and leases to core deposits | 61.8653% | 4,965 |
| Total domestic deposits to total assets | 75.7445% | 6,388 |
| Equity capital to assets | 9.4704% | 4,889 |
| Core capital (leverage) ratio | 9.4841% | 4,116 |
| Tier 1 risk-based capital ratio | 13.8294% | 4,631 |
| Total risk-based capital ratio | 14.9068% | 4,717 |
| Memoranda: |
| Average total assets | $474,567,500 | 1,413 |
| Average earning assets | $457,116,500 | 1,342 |
| Average equity | $47,280,500 | 1,522 |
| Average total loans | $204,968,000 | 1,985 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3338% | 6,557 |
| Cost of funding earning assets | 0.5000% | 5,218 |
| Net interest margin | 2.8338% | 6,344 |
| Noninterest income to average assets | 0.3454% | 4,996 |
| Noninterest expense to average assets | 3.0613% | 3,043 |
| Loan and lease loss provision to assets | 0.1736% | 3,450 |
| Net operating income to assets | 0.4548% | 4,867 |
| Return on assets (ROA) | 0.9409% | 2,848 |
| Pretax return on assets | 0.3205% | 5,782 |
| Return on Equity (ROE) | 9.1388% | 2,569 |
| Retained earnings to average equity (ytd only) | 9.1388% | 781 |
| Net charge-offs to loans | 1.2603% | 782 |
| Credit loss provision to net charge-offs | 29.4688% | 5,126 |
| Earnings coverage of net charge-offs (x) | 0.0136% | 5,475 |
| Efficiency ratio | 99.7395% | 571 |
| Assets per employee ($millions) | 5.4955% | 1,688 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7248% | 2,836 |
| Loan loss allowance to noncurrent loans | 45.6256% | 5,342 |
| Noncurrent assets plus other real estate owned to assets | 1.8268% | 2,679 |
| Noncurrent loans to loans | 3.7804% | 1,280 |
| Net loans and leases to total assets | 45.6941% | 5,647 |
| Net loans and leases to deposits | 58.7355% | 5,161 |
| Net loans and leases to core deposits | 67.0829% | 4,635 |
| Total domestic deposits to total assets | 77.7964% | 6,111 |
| Equity capital to assets | 10.5076% | 3,522 |
| Core capital (leverage) ratio | 9.8968% | 3,550 |
| Tier 1 risk-based capital ratio | 16.1486% | 3,081 |
| Total risk-based capital ratio | 17.3991% | 3,030 |
| Memoranda: |
| Average total assets | $437,792,600 | 1,511 |
| Average earning assets | $420,816,400 | 1,430 |
| Average equity | $45,071,600 | 1,542 |
| Average total loans | $204,636,000 | 1,970 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4159% | 6,611 |
| Cost of funding earning assets | 0.5089% | 5,384 |
| Net interest margin | 2.9070% | 6,347 |
| Noninterest income to average assets | 0.3593% | 4,951 |
| Noninterest expense to average assets | 3.0014% | 3,226 |
| Loan and lease loss provision to assets | 0.0920% | 4,446 |
| Net operating income to assets | 0.9161% | 2,901 |
| Return on assets (ROA) | 1.2981% | 1,590 |
| Pretax return on assets | 0.4415% | 5,618 |
| Return on Equity (ROE) | 12.6763% | 1,417 |
| Retained earnings to average equity (ytd only) | 12.6763% | 421 |
| Net charge-offs to loans | 1.1025% | 924 |
| Credit loss provision to net charge-offs | 17.8359% | 4,989 |
| Earnings coverage of net charge-offs (x) | 0.2937% | 5,178 |
| Efficiency ratio | 95.1931% | 705 |
| Assets per employee ($millions) | 5.7346% | 1,425 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9649% | 2,275 |
| Loan loss allowance to noncurrent loans | 69.2479% | 4,248 |
| Noncurrent assets plus other real estate owned to assets | 1.2363% | 3,821 |
| Noncurrent loans to loans | 2.8375% | 1,981 |
| Net loans and leases to total assets | 40.5113% | 6,241 |
| Net loans and leases to deposits | 51.4555% | 6,010 |
| Net loans and leases to core deposits | 58.3631% | 5,708 |
| Total domestic deposits to total assets | 78.7308% | 5,931 |
| Equity capital to assets | 9.5608% | 5,124 |
| Core capital (leverage) ratio | 9.9207% | 3,663 |
| Tier 1 risk-based capital ratio | 14.6615% | 4,077 |
| Total risk-based capital ratio | 15.9123% | 4,041 |
| Memoranda: |
| Average total assets | $434,582,250 | 1,531 |
| Average earning assets | $417,641,000 | 1,456 |
| Average equity | $44,501,750 | 1,583 |
| Average total loans | $203,413,250 | 2,001 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6310% | 6,447 |
| Cost of funding earning assets | 0.5396% | 5,373 |
| Net interest margin | 3.0915% | 6,031 |
| Noninterest income to average assets | 0.3950% | 4,689 |
| Noninterest expense to average assets | 2.9491% | 3,444 |
| Loan and lease loss provision to assets | 0.1452% | 3,704 |
| Net operating income to assets | 0.2658% | 5,717 |
| Return on assets (ROA) | 0.6347% | 4,445 |
| Pretax return on assets | 0.6347% | 5,010 |
| Return on Equity (ROE) | 6.0365% | 4,309 |
| Retained earnings to average equity (ytd only) | 6.0365% | 2,694 |
| Net charge-offs to loans | 1.7116% | 528 |
| Credit loss provision to net charge-offs | 17.3110% | 4,651 |
| Earnings coverage of net charge-offs (x) | 0.4899% | 4,829 |
| Efficiency ratio | 87.7683% | 1,252 |
| Assets per employee ($millions) | 5.3946% | 1,715 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0525% | 2,109 |
| Loan loss allowance to noncurrent loans | 69.0250% | 4,243 |
| Noncurrent assets plus other real estate owned to assets | 2.0362% | 2,739 |
| Noncurrent loans to loans | 2.9736% | 2,000 |
| Net loans and leases to total assets | 42.6310% | 6,138 |
| Net loans and leases to deposits | 55.8694% | 5,664 |
| Net loans and leases to core deposits | 65.1827% | 5,092 |
| Total domestic deposits to total assets | 76.3047% | 6,419 |
| Equity capital to assets | 9.8552% | 4,540 |
| Core capital (leverage) ratio | 10.1518% | 3,201 |
| Tier 1 risk-based capital ratio | 14.5126% | 4,094 |
| Total risk-based capital ratio | 15.7637% | 4,058 |
| Memoranda: |
| Average total assets | $413,139,670 | 1,604 |
| Average earning assets | $396,252,000 | 1,537 |
| Average equity | $43,435,670 | 1,607 |
| Average total loans | $202,495,670 | 2,002 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7640% | 6,318 |
| Cost of funding earning assets | 0.5736% | 5,329 |
| Net interest margin | 3.1905% | 5,806 |
| Noninterest income to average assets | 0.4547% | 4,263 |
| Noninterest expense to average assets | 3.0053% | 3,223 |
| Loan and lease loss provision to assets | 0.1011% | 4,076 |
| Net operating income to assets | 0.4062% | 5,227 |
| Return on assets (ROA) | 0.8185% | 3,533 |
| Pretax return on assets | 0.8185% | 4,349 |
| Return on Equity (ROE) | 7.5191% | 3,487 |
| Retained earnings to average equity (ytd only) | 7.5191% | 2,168 |
| Net charge-offs to loans | 3.0072% | 242 |
| Credit loss provision to net charge-offs | 6.4475% | 3,938 |
| Earnings coverage of net charge-offs (x) | 0.3237% | 4,205 |
| Efficiency ratio | 85.5581% | 1,520 |
| Assets per employee ($millions) | 4.8312% | 2,465 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9985% | 2,356 |
| Loan loss allowance to noncurrent loans | 56.0529% | 4,730 |
| Noncurrent assets plus other real estate owned to assets | 2.5092% | 2,361 |
| Noncurrent loans to loans | 3.5654% | 1,742 |
| Net loans and leases to total assets | 47.5493% | 5,618 |
| Net loans and leases to deposits | 64.3853% | 4,579 |
| Net loans and leases to core deposits | 76.6360% | 3,536 |
| Total domestic deposits to total assets | 73.8511% | 6,763 |
| Equity capital to assets | 10.6432% | 3,330 |
| Core capital (leverage) ratio | 11.0831% | 2,201 |
| Tier 1 risk-based capital ratio | 15.3070% | 3,555 |
| Total risk-based capital ratio | 16.5590% | 3,508 |
| Memoranda: |
| Average total assets | $395,833,500 | 1,678 |
| Average earning assets | $379,380,000 | 1,598 |
| Average equity | $43,090,000 | 1,617 |
| Average total loans | $206,303,000 | 1,971 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1751% | 6,127 |
| Cost of funding earning assets | 0.7818% | 4,996 |
| Net interest margin | 3.3933% | 5,502 |
| Noninterest income to average assets | 0.5094% | 3,783 |
| Noninterest expense to average assets | 3.2329% | 2,756 |
| Loan and lease loss provision to assets | 0.2052% | 4,131 |
| Net operating income to assets | 0.2440% | 5,443 |
| Return on assets (ROA) | 0.3437% | 5,250 |
| Pretax return on assets | 0.4204% | 5,229 |
| Return on Equity (ROE) | 3.0505% | 5,261 |
| Retained earnings to average equity (ytd only) | 3.0505% | 4,059 |
| Net charge-offs to loans | 1.5266% | 1,049 |
| Credit loss provision to net charge-offs | 21.5554% | 5,897 |
| Earnings coverage of net charge-offs (x) | 0.5294% | 5,429 |
| Efficiency ratio | 86.5111% | 1,497 |
| Assets per employee ($millions) | 4.8229% | 2,420 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.5464% | 1,252 |
| Loan loss allowance to noncurrent loans | 54.7130% | 4,772 |
| Noncurrent assets plus other real estate owned to assets | 3.5658% | 1,652 |
| Noncurrent loans to loans | 4.6541% | 1,269 |
| Net loans and leases to total assets | 54.5724% | 4,938 |
| Net loans and leases to deposits | 74.3600% | 3,440 |
| Net loans and leases to core deposits | 90.7661% | 2,014 |
| Total domestic deposits to total assets | 73.3895% | 6,772 |
| Equity capital to assets | 11.1474% | 2,845 |
| Core capital (leverage) ratio | 11.5300% | 1,868 |
| Tier 1 risk-based capital ratio | 16.4048% | 2,861 |
| Total risk-based capital ratio | 17.6653% | 2,827 |
| Memoranda: |
| Average total assets | $372,757,200 | 1,748 |
| Average earning assets | $354,553,800 | 1,670 |
| Average equity | $41,993,000 | 1,601 |
| Average total loans | $232,482,600 | 1,795 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2516% | 6,078 |
| Cost of funding earning assets | 0.8295% | 4,952 |
| Net interest margin | 3.4221% | 5,502 |
| Noninterest income to average assets | 0.5640% | 3,414 |
| Noninterest expense to average assets | 3.2587% | 2,637 |
| Loan and lease loss provision to assets | 0.2752% | 3,311 |
| Net operating income to assets | 0.2798% | 5,471 |
| Return on assets (ROA) | 0.3960% | 5,198 |
| Pretax return on assets | 0.3960% | 5,485 |
| Return on Equity (ROE) | 3.5057% | 5,223 |
| Retained earnings to average equity (ytd only) | 3.5057% | 4,249 |
| Net charge-offs to loans | 1.8078% | 737 |
| Credit loss provision to net charge-offs | 23.7799% | 5,510 |
| Earnings coverage of net charge-offs (x) | 0.4796% | 5,260 |
| Efficiency ratio | 85.4475% | 1,585 |
| Assets per employee ($millions) | 4.7396% | 2,570 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.6188% | 1,243 |
| Loan loss allowance to noncurrent loans | 60.1084% | 4,449 |
| Noncurrent assets plus other real estate owned to assets | 3.5760% | 1,753 |
| Noncurrent loans to loans | 4.3569% | 1,495 |
| Net loans and leases to total assets | 57.9867% | 4,519 |
| Net loans and leases to deposits | 75.5830% | 3,391 |
| Net loans and leases to core deposits | 89.1055% | 2,348 |
| Total domestic deposits to total assets | 76.7193% | 6,421 |
| Equity capital to assets | 11.5054% | 2,676 |
| Core capital (leverage) ratio | 11.7682% | 1,845 |
| Tier 1 risk-based capital ratio | 17.8958% | 2,291 |
| Total risk-based capital ratio | 19.1605% | 2,250 |
| Memoranda: |
| Average total assets | $370,693,750 | 1,760 |
| Average earning assets | $352,016,000 | 1,689 |
| Average equity | $41,873,000 | 1,610 |
| Average total loans | $237,263,250 | 1,781 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3275% | 5,923 |
| Cost of funding earning assets | 0.8186% | 5,254 |
| Net interest margin | 3.5088% | 5,118 |
| Noninterest income to average assets | 0.5358% | 3,592 |
| Noninterest expense to average assets | 3.2499% | 2,724 |
| Loan and lease loss provision to assets | 0.4124% | 2,371 |
| Net operating income to assets | 0.1228% | 5,956 |
| Return on assets (ROA) | 0.2242% | 5,769 |
| Pretax return on assets | 0.3590% | 5,522 |
| Return on Equity (ROE) | 1.9975% | 5,786 |
| Retained earnings to average equity (ytd only) | 1.9975% | 4,977 |
| Net charge-offs to loans | 2.3517% | 535 |
| Credit loss provision to net charge-offs | 26.7763% | 5,035 |
| Earnings coverage of net charge-offs (x) | 0.3980% | 5,005 |
| Efficiency ratio | 84.1334% | 1,801 |
| Assets per employee ($millions) | 4.4833% | 2,869 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.6617% | 1,222 |
| Loan loss allowance to noncurrent loans | 74.8320% | 3,745 |
| Noncurrent assets plus other real estate owned to assets | 2.5202% | 2,643 |
| Noncurrent loans to loans | 3.5569% | 1,990 |
| Net loans and leases to total assets | 61.6817% | 3,952 |
| Net loans and leases to deposits | 81.1273% | 2,594 |
| Net loans and leases to core deposits | 102.8330% | 1,127 |
| Total domestic deposits to total assets | 76.0308% | 6,595 |
| Equity capital to assets | 11.5499% | 2,458 |
| Core capital (leverage) ratio | 11.2102% | 2,104 |
| Tier 1 risk-based capital ratio | 16.8038% | 2,606 |
| Total risk-based capital ratio | 18.0690% | 2,563 |
| Memoranda: |
| Average total assets | $371,029,000 | 1,766 |
| Average earning assets | $351,800,330 | 1,701 |
| Average equity | $41,652,670 | 1,608 |
| Average total loans | $242,972,670 | 1,756 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2764% | 6,076 |
| Cost of funding earning assets | 0.8104% | 5,523 |
| Net interest margin | 3.4660% | 5,158 |
| Noninterest income to average assets | 0.4928% | 3,946 |
| Noninterest expense to average assets | 3.3144% | 2,515 |
| Loan and lease loss provision to assets | 0.2827% | 2,886 |
| Net operating income to assets | 0.1098% | 6,069 |
| Return on assets (ROA) | 0.1248% | 6,086 |
| Pretax return on assets | 0.1995% | 5,940 |
| Return on Equity (ROE) | 1.1275% | 6,094 |
| Retained earnings to average equity (ytd only) | 1.1275% | 5,371 |
| Net charge-offs to loans | 5.0586% | 148 |
| Credit loss provision to net charge-offs | 8.4020% | 4,398 |
| Earnings coverage of net charge-offs (x) | 0.1363% | 4,497 |
| Efficiency ratio | 87.8428% | 1,533 |
| Assets per employee ($millions) | 4.7497% | 2,496 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2133% | 1,930 |
| Loan loss allowance to noncurrent loans | 42.4001% | 5,471 |
| Noncurrent assets plus other real estate owned to assets | 3.6294% | 1,873 |
| Noncurrent loans to loans | 5.2200% | 1,271 |
| Net loans and leases to total assets | 61.1874% | 4,042 |
| Net loans and leases to deposits | 78.8883% | 2,914 |
| Net loans and leases to core deposits | 99.4840% | 1,381 |
| Total domestic deposits to total assets | 77.5620% | 6,438 |
| Equity capital to assets | 10.7763% | 2,896 |
| Core capital (leverage) ratio | 11.1278% | 2,094 |
| Tier 1 risk-based capital ratio | 14.8159% | 3,531 |
| Total risk-based capital ratio | 16.0739% | 3,485 |
| Memoranda: |
| Average total assets | $374,971,000 | 1,750 |
| Average earning assets | $354,876,000 | 1,696 |
| Average equity | $41,507,500 | 1,611 |
| Average total loans | $249,399,500 | 1,732 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9756% | 4,671 |
| Cost of funding earning assets | 1.0645% | 5,343 |
| Net interest margin | 3.9111% | 3,431 |
| Noninterest income to average assets | 0.5131% | 4,071 |
| Noninterest expense to average assets | 3.8229% | 1,447 |
| Loan and lease loss provision to assets | 0.4845% | 3,235 |
| Net operating income to assets | -0.4481% | 6,353 |
| Return on assets (ROA) | -0.4364% | 6,373 |
| Pretax return on assets | -0.3193% | 6,176 |
| Return on Equity (ROE) | -4.5405% | 6,394 |
| Retained earnings to average equity (ytd only) | -4.5405% | 6,253 |
| Net charge-offs to loans | 1.5540% | 1,410 |
| Credit loss provision to net charge-offs | 43.5253% | 6,342 |
| Earnings coverage of net charge-offs (x) | 0.1379% | 5,983 |
| Efficiency ratio | 96.1402% | 960 |
| Assets per employee ($millions) | 4.2467% | 3,296 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.1840% | 743 |
| Loan loss allowance to noncurrent loans | 53.8996% | 4,795 |
| Noncurrent assets plus other real estate owned to assets | 4.8160% | 1,349 |
| Noncurrent loans to loans | 5.9073% | 1,066 |
| Net loans and leases to total assets | 68.4116% | 2,883 |
| Net loans and leases to deposits | 91.0261% | 1,395 |
| Net loans and leases to core deposits | 110.5369% | 889 |
| Total domestic deposits to total assets | 75.1560% | 6,748 |
| Equity capital to assets | 11.3784% | 2,354 |
| Core capital (leverage) ratio | 11.3030% | 1,955 |
| Tier 1 risk-based capital ratio | 16.7972% | 2,427 |
| Total risk-based capital ratio | 18.0730% | 2,383 |
| Memoranda: |
| Average total assets | $332,289,200 | 1,957 |
| Average earning assets | $294,235,800 | 2,020 |
| Average equity | $31,935,000 | 2,053 |
| Average total loans | $238,028,200 | 1,837 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1756% | 3,958 |
| Cost of funding earning assets | 1.1348% | 5,225 |
| Net interest margin | 4.0408% | 2,903 |
| Noninterest income to average assets | 0.4929% | 4,241 |
| Noninterest expense to average assets | 3.6371% | 1,703 |
| Loan and lease loss provision to assets | 0.1543% | 5,497 |
| Net operating income to assets | 0.1350% | 5,676 |
| Return on assets (ROA) | 0.1452% | 5,810 |
| Pretax return on assets | 0.2321% | 5,658 |
| Return on Equity (ROE) | 1.5938% | 5,739 |
| Retained earnings to average equity (ytd only) | 1.5938% | 5,157 |
| Net charge-offs to loans | 2.0788% | 892 |
| Credit loss provision to net charge-offs | 10.3220% | 6,333 |
| Earnings coverage of net charge-offs (x) | 0.2477% | 5,768 |
| Efficiency ratio | 90.7598% | 1,226 |
| Assets per employee ($millions) | 4.3716% | 3,122 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.8372% | 973 |
| Loan loss allowance to noncurrent loans | 47.0588% | 5,154 |
| Noncurrent assets plus other real estate owned to assets | 4.5950% | 1,469 |
| Noncurrent loans to loans | 6.0290% | 1,031 |
| Net loans and leases to total assets | 64.2016% | 4,084 |
| Net loans and leases to deposits | 86.0026% | 2,342 |
| Net loans and leases to core deposits | 103.3072% | 1,544 |
| Total domestic deposits to total assets | 74.6507% | 6,834 |
| Equity capital to assets | 11.5184% | 2,518 |
| Core capital (leverage) ratio | 12.4898% | 1,413 |
| Tier 1 risk-based capital ratio | 17.4551% | 2,190 |
| Total risk-based capital ratio | 18.7250% | 2,148 |
| Memoranda: |
| Average total assets | $324,056,750 | 2,033 |
| Average earning assets | $281,852,750 | 2,134 |
| Average equity | $29,529,750 | 2,232 |
| Average total loans | $233,018,000 | 1,904 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5572% | 2,302 |
| Cost of funding earning assets | 1.2303% | 4,958 |
| Net interest margin | 4.3269% | 1,681 |
| Noninterest income to average assets | 0.4994% | 4,129 |
| Noninterest expense to average assets | 3.7691% | 1,416 |
| Loan and lease loss provision to assets | 0.1956% | 4,920 |
| Net operating income to assets | 0.1070% | 5,849 |
| Return on assets (ROA) | 0.1232% | 5,905 |
| Pretax return on assets | 0.1969% | 5,776 |
| Return on Equity (ROE) | 1.5157% | 5,797 |
| Retained earnings to average equity (ytd only) | 1.5157% | 5,113 |
| Net charge-offs to loans | 2.1713% | 826 |
| Credit loss provision to net charge-offs | 12.1261% | 5,922 |
| Earnings coverage of net charge-offs (x) | 0.2276% | 5,498 |
| Efficiency ratio | 91.1255% | 1,254 |
| Assets per employee ($millions) | 3.7093% | 4,446 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.3453% | 618 |
| Loan loss allowance to noncurrent loans | 71.6728% | 3,768 |
| Noncurrent assets plus other real estate owned to assets | 4.1417% | 1,638 |
| Noncurrent loans to loans | 4.6674% | 1,538 |
| Net loans and leases to total assets | 71.9813% | 2,408 |
| Net loans and leases to deposits | 95.7086% | 1,076 |
| Net loans and leases to core deposits | 118.5903% | 748 |
| Total domestic deposits to total assets | 75.2088% | 6,823 |
| Equity capital to assets | 8.5961% | 6,024 |
| Core capital (leverage) ratio | 8.9264% | 4,715 |
| Tier 1 risk-based capital ratio | 12.2309% | 5,095 |
| Total risk-based capital ratio | 13.5096% | 5,043 |
| Memoranda: |
| Average total assets | $306,757,330 | 2,163 |
| Average earning assets | $257,829,670 | 2,328 |
| Average equity | $24,938,330 | 2,597 |
| Average total loans | $227,885,000 | 1,956 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6101% | 2,106 |
| Cost of funding earning assets | 1.3229% | 4,671 |
| Net interest margin | 4.2872% | 1,722 |
| Noninterest income to average assets | 0.4796% | 4,202 |
| Noninterest expense to average assets | 3.8151% | 1,308 |
| Loan and lease loss provision to assets | 0.1347% | 5,216 |
| Net operating income to assets | 0.0629% | 6,123 |
| Return on assets (ROA) | 0.0956% | 6,137 |
| Pretax return on assets | 0.1522% | 6,016 |
| Return on Equity (ROE) | 1.2148% | 6,059 |
| Retained earnings to average equity (ytd only) | 1.2148% | 5,333 |
| Net charge-offs to loans | 3.0815% | 496 |
| Credit loss provision to net charge-offs | 5.8928% | 5,092 |
| Earnings coverage of net charge-offs (x) | 0.1031% | 4,939 |
| Efficiency ratio | 94.1802% | 1,122 |
| Assets per employee ($millions) | 3.4612% | 5,124 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.9094% | 409 |
| Loan loss allowance to noncurrent loans | 98.4179% | 2,820 |
| Noncurrent assets plus other real estate owned to assets | 3.6603% | 1,912 |
| Noncurrent loans to loans | 3.9722% | 1,974 |
| Net loans and leases to total assets | 71.0879% | 2,679 |
| Net loans and leases to deposits | 93.0252% | 1,473 |
| Net loans and leases to core deposits | 120.1365% | 779 |
| Total domestic deposits to total assets | 76.4178% | 6,677 |
| Equity capital to assets | 8.2783% | 6,332 |
| Core capital (leverage) ratio | 8.4084% | 5,545 |
| Tier 1 risk-based capital ratio | 12.1438% | 5,039 |
| Total risk-based capital ratio | 13.4309% | 4,981 |
| Memoranda: |
| Average total assets | $296,929,000 | 2,262 |
| Average earning assets | $247,338,500 | 2,476 |
| Average equity | $23,378,000 | 2,780 |
| Average total loans | $220,283,000 | 2,076 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7309% | 2,956 |
| Cost of funding earning assets | 1.5485% | 5,293 |
| Net interest margin | 4.1824% | 2,126 |
| Noninterest income to average assets | 0.3813% | 5,362 |
| Noninterest expense to average assets | 3.7555% | 1,785 |
| Loan and lease loss provision to assets | 3.9419% | 352 |
| Net operating income to assets | -3.1891% | 7,444 |
| Return on assets (ROA) | -2.8451% | 7,367 |
| Pretax return on assets | -3.1232% | 7,327 |
| Return on Equity (ROE) | -35.7795% | 7,501 |
| Retained earnings to average equity (ytd only) | -36.8166% | 7,508 |
| Net charge-offs to loans | 2.7736% | 805 |
| Credit loss provision to net charge-offs | 186.8647% | 2,166 |
| Earnings coverage of net charge-offs (x) | 0.2089% | 5,925 |
| Efficiency ratio | 89.4977% | 1,747 |
| Assets per employee ($millions) | 3.6592% | 4,623 |
| Cash dividends to net income (ytd only)* | -2.8986% | 7,461 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.7320% | 204 |
| Loan loss allowance to noncurrent loans | 95.3465% | 2,934 |
| Noncurrent assets plus other real estate owned to assets | 4.5045% | 1,428 |
| Noncurrent loans to loans | 4.9630% | 1,368 |
| Net loans and leases to total assets | 70.8795% | 3,037 |
| Net loans and leases to deposits | 94.2681% | 1,561 |
| Net loans and leases to core deposits | 134.3019% | 1,037 |
| Total domestic deposits to total assets | 75.1893% | 6,832 |
| Equity capital to assets | 7.4566% | 7,063 |
| Core capital (leverage) ratio | 7.1910% | 7,079 |
| Tier 1 risk-based capital ratio | 11.0478% | 5,879 |
| Total risk-based capital ratio | 12.3479% | 5,783 |
| Memoranda: |
| Average total assets | $303,154,200 | 2,199 |
| Average earning assets | $276,518,200 | 2,198 |
| Average equity | $24,106,000 | 2,713 |
| Average total loans | $230,564,000 | 2,028 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7300% | 3,191 |
| Cost of funding earning assets | 1.5715% | 5,531 |
| Net interest margin | 4.1585% | 2,184 |
| Noninterest income to average assets | 0.3907% | 5,374 |
| Noninterest expense to average assets | 3.5325% | 2,190 |
| Loan and lease loss provision to assets | 1.4390% | 1,332 |
| Net operating income to assets | -0.4490% | 6,375 |
| Return on assets (ROA) | -0.2464% | 6,141 |
| Pretax return on assets | -0.3942% | 6,193 |
| Return on Equity (ROE) | -3.0529% | 6,248 |
| Retained earnings to average equity (ytd only) | -4.4037% | 6,173 |
| Net charge-offs to loans | 1.5457% | 1,325 |
| Credit loss provision to net charge-offs | 121.7712% | 4,163 |
| Earnings coverage of net charge-offs (x) | 0.6162% | 5,412 |
| Efficiency ratio | 82.9086% | 2,440 |
| Assets per employee ($millions) | 3.9702% | 3,790 |
| Cash dividends to net income (ytd only)* | -44.2487% | 7,920 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4333% | 1,133 |
| Loan loss allowance to noncurrent loans | 56.9813% | 4,553 |
| Noncurrent assets plus other real estate owned to assets | 3.3659% | 1,994 |
| Noncurrent loans to loans | 4.2704% | 1,683 |
| Net loans and leases to total assets | 70.9874% | 3,273 |
| Net loans and leases to deposits | 102.4034% | 894 |
| Net loans and leases to core deposits | 136.1806% | 1,087 |
| Total domestic deposits to total assets | 69.3213% | 7,469 |
| Equity capital to assets | 8.6967% | 5,957 |
| Core capital (leverage) ratio | 8.7445% | 5,056 |
| Tier 1 risk-based capital ratio | 12.4710% | 4,569 |
| Total risk-based capital ratio | 13.7375% | 4,504 |
| Memoranda: |
| Average total assets | $305,759,750 | 2,195 |
| Average earning assets | $284,553,750 | 2,172 |
| Average equity | $24,675,500 | 2,661 |
| Average total loans | $233,756,750 | 2,028 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7190% | 3,441 |
| Cost of funding earning assets | 1.6654% | 5,446 |
| Net interest margin | 4.0536% | 2,492 |
| Noninterest income to average assets | 0.3608% | 5,629 |
| Noninterest expense to average assets | 3.3813% | 2,688 |
| Loan and lease loss provision to assets | 1.0420% | 1,630 |
| Net operating income to assets | -0.1382% | 6,082 |
| Return on assets (ROA) | -0.0261% | 5,955 |
| Pretax return on assets | -0.0417% | 5,925 |
| Return on Equity (ROE) | -0.3312% | 5,970 |
| Retained earnings to average equity (ytd only) | -2.4013% | 5,838 |
| Net charge-offs to loans | 1.6076% | 1,179 |
| Credit loss provision to net charge-offs | 83.4637% | 5,101 |
| Earnings coverage of net charge-offs (x) | 0.6609% | 5,042 |
| Efficiency ratio | 80.3840% | 2,981 |
| Assets per employee ($millions) | 4.0838% | 3,530 |
| Cash dividends to net income (ytd only)* | -625.0000% | 8,166 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9225% | 1,735 |
| Loan loss allowance to noncurrent loans | 45.3328% | 5,338 |
| Noncurrent assets plus other real estate owned to assets | 3.5821% | 1,734 |
| Noncurrent loans to loans | 4.2409% | 1,556 |
| Net loans and leases to total assets | 74.8523% | 2,479 |
| Net loans and leases to deposits | 111.8173% | 486 |
| Net loans and leases to core deposits | 136.5639% | 1,185 |
| Total domestic deposits to total assets | 66.9417% | 7,683 |
| Equity capital to assets | 7.9147% | 6,853 |
| Core capital (leverage) ratio | 7.7273% | 6,709 |
| Tier 1 risk-based capital ratio | 10.5431% | 6,334 |
| Total risk-based capital ratio | 11.8024% | 6,280 |
| Memoranda: |
| Average total assets | $307,101,670 | 2,218 |
| Average earning assets | $291,347,000 | 2,162 |
| Average equity | $24,153,670 | 2,737 |
| Average total loans | $238,497,330 | 2,019 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.8601% | 2,985 |
| Cost of funding earning assets | 1.8659% | 4,804 |
| Net interest margin | 3.9942% | 2,667 |
| Noninterest income to average assets | 0.3360% | 5,770 |
| Noninterest expense to average assets | 3.1801% | 3,072 |
| Loan and lease loss provision to assets | 0.5815% | 2,164 |
| Net operating income to assets | 0.2302% | 5,560 |
| Return on assets (ROA) | 0.2765% | 5,549 |
| Pretax return on assets | 0.4419% | 5,263 |
| Return on Equity (ROE) | 3.5268% | 5,157 |
| Retained earnings to average equity (ytd only) | 1.0547% | 5,220 |
| Net charge-offs to loans | 2.0509% | 706 |
| Credit loss provision to net charge-offs | 36.2027% | 4,871 |
| Earnings coverage of net charge-offs (x) | 0.5921% | 4,521 |
| Efficiency ratio | 76.9784% | 3,330 |
| Assets per employee ($millions) | 4.2732% | 3,125 |
| Cash dividends to net income (ytd only)* | 70.0935% | 1,268 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6554% | 2,292 |
| Loan loss allowance to noncurrent loans | 50.1584% | 5,188 |
| Noncurrent assets plus other real estate owned to assets | 2.8166% | 2,018 |
| Noncurrent loans to loans | 3.3004% | 1,940 |
| Net loans and leases to total assets | 76.4232% | 2,179 |
| Net loans and leases to deposits | 114.6007% | 423 |
| Net loans and leases to core deposits | 141.2204% | 1,057 |
| Total domestic deposits to total assets | 66.6865% | 7,688 |
| Equity capital to assets | 7.9146% | 6,941 |
| Core capital (leverage) ratio | 7.5133% | 7,150 |
| Tier 1 risk-based capital ratio | 10.4566% | 6,438 |
| Total risk-based capital ratio | 11.7128% | 6,348 |
| Memoranda: |
| Average total assets | $309,553,000 | 2,219 |
| Average earning assets | $294,127,000 | 2,161 |
| Average equity | $24,271,500 | 2,734 |
| Average total loans | $242,427,500 | 2,005 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.2423% | 4,285 |
| Cost of funding earning assets | 2.3635% | 4,880 |
| Net interest margin | 3.8787% | 3,666 |
| Noninterest income to average assets | 0.3282% | 6,094 |
| Noninterest expense to average assets | 3.0853% | 3,760 |
| Loan and lease loss provision to assets | 0.8933% | 1,671 |
| Net operating income to assets | 0.0350% | 6,268 |
| Return on assets (ROA) | 0.0510% | 6,086 |
| Pretax return on assets | 0.0832% | 5,981 |
| Return on Equity (ROE) | 0.6241% | 6,029 |
| Retained earnings to average equity (ytd only) | -0.0042% | 5,262 |
| Net charge-offs to loans | 0.2367% | 3,880 |
| Credit loss provision to net charge-offs | 500.0000% | 870 |
| Earnings coverage of net charge-offs (x) | 5.3257% | 3,683 |
| Efficiency ratio | 76.4307% | 3,161 |
| Assets per employee ($millions) | 4.1525% | 3,208 |
| Cash dividends to net income (ytd only)* | 100.6711% | 967 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9336% | 1,355 |
| Loan loss allowance to noncurrent loans | 101.0634% | 3,421 |
| Noncurrent assets plus other real estate owned to assets | 1.5785% | 3,076 |
| Noncurrent loans to loans | 1.9132% | 2,878 |
| Net loans and leases to total assets | 77.3879% | 2,292 |
| Net loans and leases to deposits | 115.5140% | 545 |
| Net loans and leases to core deposits | 135.3299% | 1,522 |
| Total domestic deposits to total assets | 66.9944% | 7,574 |
| Equity capital to assets | 7.7679% | 7,134 |
| Core capital (leverage) ratio | 7.6885% | 6,955 |
| Tier 1 risk-based capital ratio | 10.1873% | 6,531 |
| Total risk-based capital ratio | 11.4474% | 6,385 |
| Memoranda: |
| Average total assets | $292,188,800 | 2,242 |
| Average earning assets | $279,368,800 | 2,177 |
| Average equity | $23,875,600 | 2,744 |
| Average total loans | $220,536,600 | 2,119 |
