| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5897% | 5,165 |
| Cost of funding earning assets | 0.4352% | 3,414 |
| Net interest margin | 3.1544% | 5,105 |
| Noninterest income to average assets | -0.0918% | 6,525 |
| Noninterest expense to average assets | 2.5919% | 4,220 |
| Loan and lease loss provision to assets | 0.1479% | 1,694 |
| Net operating income to assets | -0.0576% | 6,189 |
| Return on assets (ROA) | -0.0047% | 6,160 |
| Pretax return on assets | -0.0031% | 6,149 |
| Return on Equity (ROE) | -0.0426% | 6,159 |
| Retained earnings to average equity (ytd only) | -0.0426% | 5,801 |
| Net charge-offs to loans | 0.2749% | 1,428 |
| Credit loss provision to net charge-offs | 115.8537% | 1,961 |
| Earnings coverage of net charge-offs (x) | 0.7195% | 4,330 |
| Efficiency ratio | 96.5777% | 482 |
| Assets per employee ($millions) | 4.0444% | 3,786 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4520% | 2,938 |
| Loan loss allowance to noncurrent loans | 52.9352% | 5,035 |
| Noncurrent assets plus other real estate owned to assets | 2.2711% | 1,204 |
| Noncurrent loans to loans | 2.7429% | 1,026 |
| Net loans and leases to total assets | 43.8847% | 5,528 |
| Net loans and leases to deposits | 49.7645% | 5,667 |
| Net loans and leases to core deposits | 50.0106% | 5,791 |
| Total domestic deposits to total assets | 88.1848% | 1,667 |
| Equity capital to assets | 11.7584% | 2,255 |
| Core capital (leverage) ratio | 10.8154% | 2,679 |
| Tier 1 risk-based capital ratio | 21.1084% | 1,432 |
| Total risk-based capital ratio | 22.3587% | 1,408 |
| Memoranda: |
| Average total assets | $85,648,000 | 4,981 |
| Average earning assets | $75,362,500 | 5,055 |
| Average equity | $9,391,000 | 4,927 |
| Average total loans | $39,772,250 | 5,251 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5857% | 5,187 |
| Cost of funding earning assets | 0.4364% | 3,478 |
| Net interest margin | 3.1493% | 5,094 |
| Noninterest income to average assets | -0.3554% | 6,642 |
| Noninterest expense to average assets | 2.7397% | 3,730 |
| Loan and lease loss provision to assets | 0.2178% | 1,071 |
| Net operating income to assets | -0.5686% | 6,450 |
| Return on assets (ROA) | -0.4815% | 6,432 |
| Pretax return on assets | -0.4792% | 6,414 |
| Return on Equity (ROE) | -4.4915% | 6,418 |
| Retained earnings to average equity (ytd only) | -4.4915% | 6,202 |
| Net charge-offs to loans | 0.2291% | 1,668 |
| Credit loss provision to net charge-offs | 202.1277% | 1,155 |
| Earnings coverage of net charge-offs (x) | -3.2340% | 4,273 |
| Efficiency ratio | 114.5733% | 187 |
| Assets per employee ($millions) | 4.2006% | 3,459 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3759% | 3,468 |
| Loan loss allowance to noncurrent loans | 21.8139% | 5,968 |
| Noncurrent assets plus other real estate owned to assets | 3.2662% | 744 |
| Noncurrent loans to loans | 6.3076% | 234 |
| Net loans and leases to total assets | 47.6075% | 5,205 |
| Net loans and leases to deposits | 55.0810% | 5,275 |
| Net loans and leases to core deposits | 55.3478% | 5,452 |
| Total domestic deposits to total assets | 86.4317% | 2,799 |
| Equity capital to assets | 11.0770% | 2,804 |
| Core capital (leverage) ratio | 10.2277% | 3,293 |
| Tier 1 risk-based capital ratio | 19.0403% | 1,915 |
| Total risk-based capital ratio | 20.2845% | 1,879 |
| Memoranda: |
| Average total assets | $87,235,000 | 4,993 |
| Average earning assets | $76,080,670 | 5,071 |
| Average equity | $9,351,000 | 4,949 |
| Average total loans | $41,023,000 | 5,230 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4839% | 5,466 |
| Cost of funding earning assets | 0.4361% | 3,585 |
| Net interest margin | 3.0477% | 5,393 |
| Noninterest income to average assets | 0.2746% | 5,177 |
| Noninterest expense to average assets | 2.5032% | 4,615 |
| Loan and lease loss provision to assets | 0.4277% | 389 |
| Net operating income to assets | -0.0450% | 6,246 |
| Return on assets (ROA) | -0.0090% | 6,234 |
| Pretax return on assets | -0.0090% | 6,224 |
| Return on Equity (ROE) | -0.0853% | 6,235 |
| Retained earnings to average equity (ytd only) | -0.0853% | 5,566 |
| Net charge-offs to loans | 1.0083% | 333 |
| Credit loss provision to net charge-offs | 91.3462% | 1,786 |
| Earnings coverage of net charge-offs (x) | 0.8173% | 3,256 |
| Efficiency ratio | 86.7395% | 1,365 |
| Assets per employee ($millions) | 4.3542% | 3,242 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2082% | 4,597 |
| Loan loss allowance to noncurrent loans | 23.0133% | 6,018 |
| Noncurrent assets plus other real estate owned to assets | 4.4724% | 490 |
| Noncurrent loans to loans | 5.2498% | 400 |
| Net loans and leases to total assets | 49.5189% | 4,953 |
| Net loans and leases to deposits | 56.3205% | 5,089 |
| Net loans and leases to core deposits | 56.6046% | 5,313 |
| Total domestic deposits to total assets | 87.9234% | 2,275 |
| Equity capital to assets | 11.3889% | 2,344 |
| Core capital (leverage) ratio | 10.6059% | 2,801 |
| Tier 1 risk-based capital ratio | 19.0115% | 1,966 |
| Total risk-based capital ratio | 20.1004% | 1,973 |
| Memoranda: |
| Average total assets | $88,846,500 | 4,998 |
| Average earning assets | $76,122,000 | 5,109 |
| Average equity | $9,373,500 | 4,964 |
| Average total loans | $41,257,500 | 5,271 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5391% | 5,564 |
| Cost of funding earning assets | 0.5054% | 3,553 |
| Net interest margin | 3.0337% | 5,499 |
| Noninterest income to average assets | -0.1324% | 6,735 |
| Noninterest expense to average assets | 2.4560% | 4,904 |
| Loan and lease loss provision to assets | 0.7798% | 278 |
| Net operating income to assets | -0.6990% | 6,543 |
| Return on assets (ROA) | -0.6979% | 6,546 |
| Pretax return on assets | -0.7069% | 6,539 |
| Return on Equity (ROE) | -6.4738% | 6,523 |
| Retained earnings to average equity (ytd only) | -6.4738% | 6,434 |
| Net charge-offs to loans | 1.4956% | 317 |
| Credit loss provision to net charge-offs | 104.8265% | 2,305 |
| Earnings coverage of net charge-offs (x) | 0.0965% | 5,057 |
| Efficiency ratio | 97.1593% | 581 |
| Assets per employee ($millions) | 4.7482% | 2,515 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2425% | 4,430 |
| Loan loss allowance to noncurrent loans | 21.6745% | 6,142 |
| Noncurrent assets plus other real estate owned to assets | 4.4817% | 565 |
| Noncurrent loans to loans | 5.7325% | 377 |
| Net loans and leases to total assets | 42.6872% | 5,778 |
| Net loans and leases to deposits | 50.3278% | 5,743 |
| Net loans and leases to core deposits | 50.5562% | 5,901 |
| Total domestic deposits to total assets | 84.8183% | 3,841 |
| Equity capital to assets | 9.8196% | 4,005 |
| Core capital (leverage) ratio | 10.6014% | 2,781 |
| Tier 1 risk-based capital ratio | 15.2202% | 3,532 |
| Total risk-based capital ratio | 16.1074% | 3,697 |
| Memoranda: |
| Average total assets | $89,127,600 | 4,998 |
| Average earning assets | $78,154,800 | 5,085 |
| Average equity | $9,608,000 | 4,946 |
| Average total loans | $44,330,200 | 5,176 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5096% | 5,665 |
| Cost of funding earning assets | 0.5281% | 3,484 |
| Net interest margin | 2.9815% | 5,638 |
| Noninterest income to average assets | -0.1125% | 6,812 |
| Noninterest expense to average assets | 2.4850% | 4,773 |
| Loan and lease loss provision to assets | 0.9429% | 182 |
| Net operating income to assets | -0.8790% | 6,691 |
| Return on assets (ROA) | -0.8775% | 6,694 |
| Pretax return on assets | -0.8775% | 6,677 |
| Return on Equity (ROE) | -7.9484% | 6,660 |
| Retained earnings to average equity (ytd only) | -7.9484% | 6,593 |
| Net charge-offs to loans | 1.6743% | 254 |
| Credit loss provision to net charge-offs | 109.3474% | 2,150 |
| Earnings coverage of net charge-offs (x) | 0.0741% | 4,832 |
| Efficiency ratio | 97.4940% | 549 |
| Assets per employee ($millions) | 3.9588% | 3,914 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2641% | 4,573 |
| Loan loss allowance to noncurrent loans | 23.7159% | 6,165 |
| Noncurrent assets plus other real estate owned to assets | 5.5608% | 466 |
| Noncurrent loans to loans | 5.3301% | 532 |
| Net loans and leases to total assets | 49.8899% | 5,151 |
| Net loans and leases to deposits | 56.4637% | 5,334 |
| Net loans and leases to core deposits | 56.7682% | 5,552 |
| Total domestic deposits to total assets | 88.3575% | 1,915 |
| Equity capital to assets | 11.4717% | 2,324 |
| Core capital (leverage) ratio | 10.5408% | 2,962 |
| Tier 1 risk-based capital ratio | 18.2655% | 2,223 |
| Total risk-based capital ratio | 19.3682% | 2,248 |
| Memoranda: |
| Average total assets | $87,668,750 | 5,082 |
| Average earning assets | $78,259,750 | 5,126 |
| Average equity | $9,678,750 | 4,979 |
| Average total loans | $45,151,000 | 5,196 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4827% | 5,730 |
| Cost of funding earning assets | 0.5341% | 3,558 |
| Net interest margin | 2.9487% | 5,699 |
| Noninterest income to average assets | -0.4956% | 6,906 |
| Noninterest expense to average assets | 2.3099% | 5,343 |
| Loan and lease loss provision to assets | 1.2559% | 129 |
| Net operating income to assets | -1.4241% | 6,804 |
| Return on assets (ROA) | -1.3232% | 6,794 |
| Pretax return on assets | -1.3232% | 6,783 |
| Return on Equity (ROE) | -12.1324% | 6,772 |
| Retained earnings to average equity (ytd only) | -12.1324% | 6,713 |
| Net charge-offs to loans | 2.2165% | 181 |
| Credit loss provision to net charge-offs | 109.3750% | 2,022 |
| Earnings coverage of net charge-offs (x) | -0.1465% | 4,600 |
| Efficiency ratio | 107.8534% | 312 |
| Assets per employee ($millions) | 4.8061% | 2,364 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1353% | 5,297 |
| Loan loss allowance to noncurrent loans | 27.7280% | 6,098 |
| Noncurrent assets plus other real estate owned to assets | 4.5602% | 717 |
| Noncurrent loans to loans | 4.0945% | 937 |
| Net loans and leases to total assets | 52.9465% | 4,745 |
| Net loans and leases to deposits | 59.7316% | 5,002 |
| Net loans and leases to core deposits | 60.0393% | 5,261 |
| Total domestic deposits to total assets | 88.6406% | 1,815 |
| Equity capital to assets | 11.2681% | 2,503 |
| Core capital (leverage) ratio | 10.3210% | 3,078 |
| Tier 1 risk-based capital ratio | 17.0254% | 2,704 |
| Total risk-based capital ratio | 18.0452% | 2,763 |
| Memoranda: |
| Average total assets | $89,180,000 | 5,073 |
| Average earning assets | $79,765,000 | 5,124 |
| Average equity | $9,726,000 | 5,002 |
| Average total loans | $46,199,000 | 5,176 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4025% | 5,935 |
| Cost of funding earning assets | 0.5638% | 3,441 |
| Net interest margin | 2.8387% | 5,947 |
| Noninterest income to average assets | -1.4848% | 7,011 |
| Noninterest expense to average assets | 2.4129% | 5,084 |
| Loan and lease loss provision to assets | 1.7014% | 77 |
| Net operating income to assets | -3.0625% | 6,971 |
| Return on assets (ROA) | -2.9918% | 6,968 |
| Pretax return on assets | -2.9918% | 6,964 |
| Return on Equity (ROE) | -27.8744% | 6,928 |
| Retained earnings to average equity (ytd only) | -27.8744% | 6,892 |
| Net charge-offs to loans | 2.2283% | 200 |
| Credit loss provision to net charge-offs | 149.8054% | 1,373 |
| Earnings coverage of net charge-offs (x) | -1.1984% | 3,979 |
| Efficiency ratio | 229.4118% | 23 |
| Assets per employee ($millions) | 4.8169% | 2,458 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2751% | 4,823 |
| Loan loss allowance to noncurrent loans | 33.8926% | 5,879 |
| Noncurrent assets plus other real estate owned to assets | 4.4023% | 853 |
| Noncurrent loans to loans | 3.7622% | 1,233 |
| Net loans and leases to total assets | 54.1152% | 4,397 |
| Net loans and leases to deposits | 61.1926% | 4,658 |
| Net loans and leases to core deposits | 61.4072% | 5,008 |
| Total domestic deposits to total assets | 88.4342% | 2,044 |
| Equity capital to assets | 11.2521% | 2,674 |
| Core capital (leverage) ratio | 9.9476% | 3,459 |
| Tier 1 risk-based capital ratio | 16.6103% | 2,946 |
| Total risk-based capital ratio | 17.7681% | 2,949 |
| Memoranda: |
| Average total assets | $90,515,000 | 5,084 |
| Average earning assets | $80,882,500 | 5,125 |
| Average equity | $9,715,000 | 5,061 |
| Average total loans | $46,133,500 | 5,213 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9464% | 5,450 |
| Cost of funding earning assets | 0.8169% | 2,528 |
| Net interest margin | 3.1296% | 5,739 |
| Noninterest income to average assets | -0.0132% | 6,854 |
| Noninterest expense to average assets | 2.4994% | 5,092 |
| Loan and lease loss provision to assets | 0.2522% | 2,638 |
| Net operating income to assets | 0.0461% | 6,091 |
| Return on assets (ROA) | 0.0823% | 6,184 |
| Pretax return on assets | 0.0823% | 6,183 |
| Return on Equity (ROE) | 0.7591% | 6,178 |
| Retained earnings to average equity (ytd only) | 0.7591% | 5,485 |
| Net charge-offs to loans | 0.7453% | 1,575 |
| Credit loss provision to net charge-offs | 65.9026% | 4,292 |
| Earnings coverage of net charge-offs (x) | 0.7794% | 5,085 |
| Efficiency ratio | 89.3375% | 1,119 |
| Assets per employee ($millions) | 4.7163% | 2,625 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0684% | 5,683 |
| Loan loss allowance to noncurrent loans | 34.4380% | 5,877 |
| Noncurrent assets plus other real estate owned to assets | 4.2851% | 980 |
| Noncurrent loans to loans | 3.1023% | 1,668 |
| Net loans and leases to total assets | 46.9256% | 5,515 |
| Net loans and leases to deposits | 53.1675% | 5,725 |
| Net loans and leases to core deposits | 53.4997% | 5,913 |
| Total domestic deposits to total assets | 88.2599% | 2,057 |
| Equity capital to assets | 10.2559% | 3,817 |
| Core capital (leverage) ratio | 9.5057% | 4,096 |
| Tier 1 risk-based capital ratio | 16.9265% | 2,690 |
| Total risk-based capital ratio | 17.8650% | 2,811 |
| Memoranda: |
| Average total assets | $91,180,600 | 5,050 |
| Average earning assets | $81,896,600 | 5,071 |
| Average equity | $9,879,800 | 5,003 |
| Average total loans | $46,827,400 | 5,217 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1092% | 5,153 |
| Cost of funding earning assets | 0.8685% | 2,400 |
| Net interest margin | 3.2408% | 5,580 |
| Noninterest income to average assets | 0.3142% | 5,271 |
| Noninterest expense to average assets | 2.4322% | 5,299 |
| Loan and lease loss provision to assets | 0.2065% | 3,009 |
| Net operating income to assets | 0.5784% | 4,484 |
| Return on assets (ROA) | 0.5944% | 4,679 |
| Pretax return on assets | 0.6033% | 5,157 |
| Return on Equity (ROE) | 5.4104% | 4,638 |
| Retained earnings to average equity (ytd only) | 5.4104% | 3,092 |
| Net charge-offs to loans | 0.9349% | 1,159 |
| Credit loss provision to net charge-offs | 42.1687% | 4,569 |
| Earnings coverage of net charge-offs (x) | 1.6205% | 4,469 |
| Efficiency ratio | 75.4001% | 2,760 |
| Assets per employee ($millions) | 4.3832% | 3,099 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8855% | 6,420 |
| Loan loss allowance to noncurrent loans | 50.8156% | 5,083 |
| Noncurrent assets plus other real estate owned to assets | 4.0914% | 1,179 |
| Noncurrent loans to loans | 1.7426% | 3,171 |
| Net loans and leases to total assets | 49.2488% | 5,411 |
| Net loans and leases to deposits | 56.3761% | 5,600 |
| Net loans and leases to core deposits | 56.7409% | 5,832 |
| Total domestic deposits to total assets | 87.3575% | 2,460 |
| Equity capital to assets | 11.0976% | 3,155 |
| Core capital (leverage) ratio | 9.7888% | 3,827 |
| Tier 1 risk-based capital ratio | 17.4136% | 2,570 |
| Total risk-based capital ratio | 18.2016% | 2,720 |
| Memoranda: |
| Average total assets | $90,394,250 | 5,127 |
| Average earning assets | $81,213,250 | 5,137 |
| Average equity | $9,931,250 | 5,039 |
| Average total loans | $47,349,000 | 5,258 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2496% | 4,764 |
| Cost of funding earning assets | 0.8920% | 2,462 |
| Net interest margin | 3.3576% | 5,239 |
| Noninterest income to average assets | 0.2605% | 5,713 |
| Noninterest expense to average assets | 2.5600% | 4,922 |
| Loan and lease loss provision to assets | 0.0890% | 4,454 |
| Net operating income to assets | 0.6189% | 4,286 |
| Return on assets (ROA) | 0.6189% | 4,534 |
| Pretax return on assets | 0.6278% | 5,042 |
| Return on Equity (ROE) | 5.6523% | 4,499 |
| Retained earnings to average equity (ytd only) | 5.6523% | 2,903 |
| Net charge-offs to loans | 1.3950% | 733 |
| Credit loss provision to net charge-offs | 11.9760% | 4,719 |
| Earnings coverage of net charge-offs (x) | 0.9641% | 4,551 |
| Efficiency ratio | 78.1250% | 2,446 |
| Assets per employee ($millions) | 4.3456% | 3,175 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6706% | 6,858 |
| Loan loss allowance to noncurrent loans | 46.4012% | 5,314 |
| Noncurrent assets plus other real estate owned to assets | 3.9690% | 1,294 |
| Noncurrent loans to loans | 1.4453% | 3,744 |
| Net loans and leases to total assets | 49.1776% | 5,459 |
| Net loans and leases to deposits | 56.2268% | 5,623 |
| Net loans and leases to core deposits | 56.4148% | 5,908 |
| Total domestic deposits to total assets | 87.4629% | 2,493 |
| Equity capital to assets | 10.9811% | 3,142 |
| Core capital (leverage) ratio | 9.8834% | 3,604 |
| Tier 1 risk-based capital ratio | 17.7710% | 2,375 |
| Total risk-based capital ratio | 18.3812% | 2,573 |
| Memoranda: |
| Average total assets | $89,843,330 | 5,175 |
| Average earning assets | $80,713,330 | 5,182 |
| Average equity | $9,836,670 | 5,066 |
| Average total loans | $47,886,330 | 5,271 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3861% | 4,384 |
| Cost of funding earning assets | 0.9082% | 2,626 |
| Net interest margin | 3.4780% | 4,799 |
| Noninterest income to average assets | 0.1481% | 6,500 |
| Noninterest expense to average assets | 2.5938% | 4,841 |
| Loan and lease loss provision to assets | 0.0449% | 4,844 |
| Net operating income to assets | 0.6282% | 4,227 |
| Return on assets (ROA) | 0.6282% | 4,436 |
| Pretax return on assets | 0.6372% | 4,984 |
| Return on Equity (ROE) | 5.7468% | 4,430 |
| Retained earnings to average equity (ytd only) | 5.7468% | 3,113 |
| Net charge-offs to loans | 0.2925% | 2,497 |
| Credit loss provision to net charge-offs | 27.7778% | 3,662 |
| Earnings coverage of net charge-offs (x) | 4.2222% | 2,631 |
| Efficiency ratio | 79.1781% | 2,319 |
| Assets per employee ($millions) | 4.2998% | 3,395 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2432% | 5,292 |
| Loan loss allowance to noncurrent loans | 37.7895% | 5,746 |
| Noncurrent assets plus other real estate owned to assets | 5.2760% | 963 |
| Noncurrent loans to loans | 3.2897% | 1,939 |
| Net loans and leases to total assets | 50.2353% | 5,272 |
| Net loans and leases to deposits | 57.4090% | 5,446 |
| Net loans and leases to core deposits | 57.6029% | 5,747 |
| Total domestic deposits to total assets | 87.5043% | 2,647 |
| Equity capital to assets | 10.8943% | 3,035 |
| Core capital (leverage) ratio | 9.8457% | 3,576 |
| Tier 1 risk-based capital ratio | 17.2506% | 2,579 |
| Total risk-based capital ratio | 18.3846% | 2,596 |
| Memoranda: |
| Average total assets | $89,136,500 | 5,237 |
| Average earning assets | $80,161,500 | 5,243 |
| Average equity | $9,744,500 | 5,105 |
| Average total loans | $49,239,000 | 5,254 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9413% | 3,148 |
| Cost of funding earning assets | 0.9858% | 3,474 |
| Net interest margin | 3.9555% | 3,083 |
| Noninterest income to average assets | 0.2670% | 5,608 |
| Noninterest expense to average assets | 2.4466% | 5,645 |
| Loan and lease loss provision to assets | 0.9943% | 952 |
| Net operating income to assets | 0.4392% | 4,693 |
| Return on assets (ROA) | 0.3784% | 5,131 |
| Pretax return on assets | 0.3807% | 5,352 |
| Return on Equity (ROE) | 3.5385% | 5,054 |
| Retained earnings to average equity (ytd only) | 1.1476% | 5,315 |
| Net charge-offs to loans | 1.9006% | 759 |
| Credit loss provision to net charge-offs | 82.7815% | 4,335 |
| Earnings coverage of net charge-offs (x) | 1.1958% | 4,889 |
| Efficiency ratio | 63.0085% | 5,300 |
| Assets per employee ($millions) | 4.3989% | 3,067 |
| Cash dividends to net income (ytd only)* | 67.5676% | 1,244 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1361% | 5,675 |
| Loan loss allowance to noncurrent loans | 18.7972% | 6,644 |
| Noncurrent assets plus other real estate owned to assets | 5.4048% | 956 |
| Noncurrent loans to loans | 6.0441% | 815 |
| Net loans and leases to total assets | 59.0489% | 4,189 |
| Net loans and leases to deposits | 67.5605% | 4,504 |
| Net loans and leases to core deposits | 67.7942% | 5,056 |
| Total domestic deposits to total assets | 87.4014% | 2,526 |
| Equity capital to assets | 10.9709% | 3,006 |
| Core capital (leverage) ratio | 9.8110% | 3,583 |
| Tier 1 risk-based capital ratio | 15.5824% | 3,274 |
| Total risk-based capital ratio | 16.6709% | 3,331 |
| Memoranda: |
| Average total assets | $87,999,800 | 5,237 |
| Average earning assets | $80,445,200 | 5,217 |
| Average equity | $9,410,800 | 5,175 |
| Average total loans | $55,614,600 | 5,048 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9851% | 3,163 |
| Cost of funding earning assets | 1.0198% | 3,531 |
| Net interest margin | 3.9653% | 3,073 |
| Noninterest income to average assets | 0.2621% | 5,747 |
| Noninterest expense to average assets | 2.4619% | 5,588 |
| Loan and lease loss provision to assets | 1.1741% | 675 |
| Net operating income to assets | 0.2508% | 5,567 |
| Return on assets (ROA) | 0.2712% | 5,666 |
| Pretax return on assets | 0.2818% | 5,742 |
| Return on Equity (ROE) | 2.5524% | 5,601 |
| Retained earnings to average equity (ytd only) | -0.6559% | 6,097 |
| Net charge-offs to loans | 1.8966% | 689 |
| Credit loss provision to net charge-offs | 96.6334% | 3,550 |
| Earnings coverage of net charge-offs (x) | 1.1808% | 4,737 |
| Efficiency ratio | 63.1804% | 5,200 |
| Assets per employee ($millions) | 4.3628% | 3,153 |
| Cash dividends to net income (ytd only)* | 125.6976% | 162 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3358% | 4,841 |
| Loan loss allowance to noncurrent loans | 24.9668% | 6,488 |
| Noncurrent assets plus other real estate owned to assets | 5.3934% | 1,043 |
| Noncurrent loans to loans | 5.3505% | 1,126 |
| Net loans and leases to total assets | 63.6548% | 3,384 |
| Net loans and leases to deposits | 74.6853% | 3,558 |
| Net loans and leases to core deposits | 74.9514% | 4,327 |
| Total domestic deposits to total assets | 85.2306% | 3,659 |
| Equity capital to assets | 10.8338% | 3,315 |
| Core capital (leverage) ratio | 9.7776% | 3,731 |
| Tier 1 risk-based capital ratio | 14.3463% | 4,093 |
| Total risk-based capital ratio | 15.5959% | 4,058 |
| Memoranda: |
| Average total assets | $88,005,250 | 5,272 |
| Average earning assets | $80,665,250 | 5,254 |
| Average equity | $9,350,500 | 5,221 |
| Average total loans | $56,381,500 | 5,060 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0558% | 2,895 |
| Cost of funding earning assets | 1.0422% | 3,655 |
| Net interest margin | 4.0136% | 2,774 |
| Noninterest income to average assets | 0.2583% | 5,804 |
| Noninterest expense to average assets | 2.5064% | 5,513 |
| Loan and lease loss provision to assets | 1.3030% | 568 |
| Net operating income to assets | 0.1217% | 5,959 |
| Return on assets (ROA) | 0.1020% | 6,089 |
| Pretax return on assets | 0.1178% | 6,073 |
| Return on Equity (ROE) | 0.9660% | 6,098 |
| Retained earnings to average equity (ytd only) | -3.8642% | 6,462 |
| Net charge-offs to loans | 2.7513% | 399 |
| Credit loss provision to net charge-offs | 74.0979% | 3,943 |
| Earnings coverage of net charge-offs (x) | 0.8209% | 4,690 |
| Efficiency ratio | 63.4538% | 5,337 |
| Assets per employee ($millions) | 4.8594% | 2,324 |
| Cash dividends to net income (ytd only)* | 500.0000% | 23 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0954% | 5,976 |
| Loan loss allowance to noncurrent loans | 19.2218% | 6,742 |
| Noncurrent assets plus other real estate owned to assets | 4.8017% | 1,293 |
| Noncurrent loans to loans | 5.6985% | 1,086 |
| Net loans and leases to total assets | 59.6669% | 4,336 |
| Net loans and leases to deposits | 67.9841% | 4,711 |
| Net loans and leases to core deposits | 68.2178% | 5,275 |
| Total domestic deposits to total assets | 87.7660% | 2,306 |
| Equity capital to assets | 10.5946% | 3,383 |
| Core capital (leverage) ratio | 9.4910% | 3,971 |
| Tier 1 risk-based capital ratio | 15.0917% | 3,450 |
| Total risk-based capital ratio | 16.1480% | 3,523 |
| Memoranda: |
| Average total assets | $88,255,330 | 5,304 |
| Average earning assets | $81,173,670 | 5,287 |
| Average equity | $9,316,330 | 5,230 |
| Average total loans | $56,410,670 | 5,104 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0122% | 3,054 |
| Cost of funding earning assets | 1.0845% | 3,628 |
| Net interest margin | 3.9277% | 3,014 |
| Noninterest income to average assets | 0.3926% | 4,768 |
| Noninterest expense to average assets | 2.2651% | 6,270 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.7321% | 550 |
| Return on assets (ROA) | 1.6785% | 630 |
| Pretax return on assets | 1.7011% | 979 |
| Return on Equity (ROE) | 15.9298% | 685 |
| Retained earnings to average equity (ytd only) | 6.2948% | 2,465 |
| Net charge-offs to loans | 0.7625% | 1,693 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 3.5045% | 2,722 |
| Efficiency ratio | 56.3412% | 6,465 |
| Assets per employee ($millions) | 4.8921% | 2,306 |
| Cash dividends to net income (ytd only)* | 60.4839% | 1,236 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1885% | 5,687 |
| Loan loss allowance to noncurrent loans | 14.3749% | 6,934 |
| Noncurrent assets plus other real estate owned to assets | 5.4624% | 1,111 |
| Noncurrent loans to loans | 8.2679% | 581 |
| Net loans and leases to total assets | 63.0694% | 3,635 |
| Net loans and leases to deposits | 71.9466% | 4,085 |
| Net loans and leases to core deposits | 72.1925% | 4,765 |
| Total domestic deposits to total assets | 87.6614% | 2,575 |
| Equity capital to assets | 10.7112% | 2,976 |
| Core capital (leverage) ratio | 9.7368% | 3,478 |
| Tier 1 risk-based capital ratio | 14.9473% | 3,453 |
| Total risk-based capital ratio | 16.1104% | 3,463 |
| Memoranda: |
| Average total assets | $88,648,500 | 5,331 |
| Average earning assets | $81,881,000 | 5,303 |
| Average equity | $9,341,000 | 5,217 |
| Average total loans | $58,232,000 | 5,077 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4770% | 2,369 |
| Cost of funding earning assets | 1.4407% | 3,015 |
| Net interest margin | 4.0362% | 2,856 |
| Noninterest income to average assets | 0.0517% | 7,093 |
| Noninterest expense to average assets | 2.4616% | 5,912 |
| Loan and lease loss provision to assets | 0.6297% | 2,610 |
| Net operating income to assets | 0.6511% | 3,436 |
| Return on assets (ROA) | 0.5049% | 4,235 |
| Pretax return on assets | 0.4970% | 4,629 |
| Return on Equity (ROE) | 5.1960% | 3,988 |
| Retained earnings to average equity (ytd only) | 4.8489% | 2,511 |
| Net charge-offs to loans | 1.5510% | 1,416 |
| Credit loss provision to net charge-offs | 57.9111% | 6,119 |
| Earnings coverage of net charge-offs (x) | 1.1706% | 4,936 |
| Efficiency ratio | 65.9139% | 4,984 |
| Assets per employee ($millions) | 4.9578% | 2,212 |
| Cash dividends to net income (ytd only)* | 6.6815% | 3,837 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2928% | 5,040 |
| Loan loss allowance to noncurrent loans | 19.3204% | 6,838 |
| Noncurrent assets plus other real estate owned to assets | 4.7008% | 1,400 |
| Noncurrent loans to loans | 6.6911% | 875 |
| Net loans and leases to total assets | 66.6517% | 3,319 |
| Net loans and leases to deposits | 78.7491% | 3,377 |
| Net loans and leases to core deposits | 79.3172% | 4,303 |
| Total domestic deposits to total assets | 84.6381% | 4,035 |
| Equity capital to assets | 10.3653% | 3,316 |
| Core capital (leverage) ratio | 9.4577% | 3,755 |
| Tier 1 risk-based capital ratio | 13.7373% | 4,032 |
| Total risk-based capital ratio | 14.9876% | 4,010 |
| Memoranda: |
| Average total assets | $88,926,400 | 5,323 |
| Average earning assets | $81,139,800 | 5,301 |
| Average equity | $8,641,200 | 5,519 |
| Average total loans | $62,346,400 | 4,979 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5125% | 2,386 |
| Cost of funding earning assets | 1.5081% | 2,928 |
| Net interest margin | 4.0045% | 3,085 |
| Noninterest income to average assets | -0.0105% | 7,464 |
| Noninterest expense to average assets | 2.4491% | 5,886 |
| Loan and lease loss provision to assets | 0.8404% | 1,811 |
| Net operating income to assets | 0.3316% | 5,042 |
| Return on assets (ROA) | 0.1846% | 5,713 |
| Pretax return on assets | 0.1906% | 5,750 |
| Return on Equity (ROE) | 1.9319% | 5,633 |
| Retained earnings to average equity (ytd only) | 1.4607% | 5,216 |
| Net charge-offs to loans | 2.0275% | 929 |
| Credit loss provision to net charge-offs | 58.5774% | 5,734 |
| Earnings coverage of net charge-offs (x) | 0.8243% | 5,231 |
| Efficiency ratio | 67.4380% | 4,574 |
| Assets per employee ($millions) | 4.6685% | 2,655 |
| Cash dividends to net income (ytd only)* | 24.3902% | 2,781 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2350% | 5,315 |
| Loan loss allowance to noncurrent loans | 19.4677% | 6,923 |
| Noncurrent assets plus other real estate owned to assets | 4.8184% | 1,365 |
| Noncurrent loans to loans | 6.3440% | 952 |
| Net loans and leases to total assets | 71.2235% | 2,428 |
| Net loans and leases to deposits | 84.1898% | 2,674 |
| Net loans and leases to core deposits | 85.3545% | 3,752 |
| Total domestic deposits to total assets | 84.5988% | 3,830 |
| Equity capital to assets | 10.1972% | 3,885 |
| Core capital (leverage) ratio | 9.3086% | 4,197 |
| Tier 1 risk-based capital ratio | 12.4175% | 5,065 |
| Total risk-based capital ratio | 13.6268% | 5,072 |
| Memoranda: |
| Average total assets | $88,848,000 | 5,386 |
| Average earning assets | $80,808,000 | 5,376 |
| Average equity | $8,489,000 | 5,625 |
| Average total loans | $62,868,250 | 5,038 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4835% | 2,601 |
| Cost of funding earning assets | 1.5827% | 2,757 |
| Net interest margin | 3.9008% | 3,442 |
| Noninterest income to average assets | -0.2520% | 7,695 |
| Noninterest expense to average assets | 2.4703% | 5,833 |
| Loan and lease loss provision to assets | 0.5849% | 2,437 |
| Net operating income to assets | 0.1398% | 5,751 |
| Return on assets (ROA) | 0.0045% | 6,179 |
| Pretax return on assets | 0.0135% | 6,134 |
| Return on Equity (ROE) | 0.0482% | 6,180 |
| Retained earnings to average equity (ytd only) | -0.6744% | 5,897 |
| Net charge-offs to loans | 2.0863% | 866 |
| Credit loss provision to net charge-offs | 39.8773% | 5,617 |
| Earnings coverage of net charge-offs (x) | 0.5521% | 5,183 |
| Efficiency ratio | 75.3086% | 3,203 |
| Assets per employee ($millions) | 4.7166% | 2,555 |
| Cash dividends to net income (ytd only)* | 1,500.0000% | 11 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2485% | 5,195 |
| Loan loss allowance to noncurrent loans | 18.0824% | 7,027 |
| Noncurrent assets plus other real estate owned to assets | 5.3049% | 1,181 |
| Noncurrent loans to loans | 6.9045% | 834 |
| Net loans and leases to total assets | 70.0798% | 2,875 |
| Net loans and leases to deposits | 82.3374% | 3,213 |
| Net loans and leases to core deposits | 83.4512% | 4,216 |
| Total domestic deposits to total assets | 85.1130% | 3,569 |
| Equity capital to assets | 9.7618% | 4,324 |
| Core capital (leverage) ratio | 9.0477% | 4,527 |
| Tier 1 risk-based capital ratio | 11.9988% | 5,313 |
| Total risk-based capital ratio | 13.1912% | 5,333 |
| Memoranda: |
| Average total assets | $88,897,000 | 5,424 |
| Average earning assets | $80,495,330 | 5,418 |
| Average equity | $8,303,670 | 5,694 |
| Average total loans | $62,502,330 | 5,083 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4451% | 2,838 |
| Cost of funding earning assets | 1.6496% | 2,653 |
| Net interest margin | 3.7956% | 3,816 |
| Noninterest income to average assets | -0.3117% | 7,828 |
| Noninterest expense to average assets | 2.3628% | 6,203 |
| Loan and lease loss provision to assets | 1.1746% | 1,040 |
| Net operating income to assets | -0.4473% | 6,798 |
| Return on assets (ROA) | -0.3795% | 6,784 |
| Pretax return on assets | -0.3614% | 6,691 |
| Return on Equity (ROE) | -4.1576% | 6,833 |
| Retained earnings to average equity (ytd only) | -5.6425% | 6,632 |
| Net charge-offs to loans | 0.7231% | 2,054 |
| Credit loss provision to net charge-offs | 232.1429% | 1,641 |
| Earnings coverage of net charge-offs (x) | 1.4732% | 3,854 |
| Efficiency ratio | 76.0174% | 3,211 |
| Assets per employee ($millions) | 4.6372% | 2,736 |
| Cash dividends to net income (ytd only)* | -35.7143% | 7,864 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1101% | 1,938 |
| Loan loss allowance to noncurrent loans | 26.7121% | 6,614 |
| Noncurrent assets plus other real estate owned to assets | 6.7090% | 827 |
| Noncurrent loans to loans | 7.8994% | 689 |
| Net loans and leases to total assets | 70.2404% | 2,871 |
| Net loans and leases to deposits | 81.8511% | 3,307 |
| Net loans and leases to core deposits | 82.9627% | 4,350 |
| Total domestic deposits to total assets | 85.8148% | 3,253 |
| Equity capital to assets | 8.9302% | 5,382 |
| Core capital (leverage) ratio | 8.4646% | 5,435 |
| Tier 1 risk-based capital ratio | 10.1684% | 6,911 |
| Total risk-based capital ratio | 11.4259% | 6,891 |
| Memoranda: |
| Average total assets | $88,538,000 | 5,494 |
| Average earning assets | $79,777,500 | 5,512 |
| Average equity | $8,081,500 | 5,817 |
| Average total loans | $61,955,500 | 5,182 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6948% | 3,125 |
| Cost of funding earning assets | 2.3264% | 1,557 |
| Net interest margin | 3.3684% | 5,497 |
| Noninterest income to average assets | 0.1493% | 6,987 |
| Noninterest expense to average assets | 1.9804% | 7,392 |
| Loan and lease loss provision to assets | 1.5694% | 1,465 |
| Net operating income to assets | -0.3146% | 5,994 |
| Return on assets (ROA) | -0.9723% | 6,559 |
| Pretax return on assets | -0.9828% | 6,398 |
| Return on Equity (ROE) | -10.2817% | 6,647 |
| Retained earnings to average equity (ytd only) | -11.3487% | 6,628 |
| Net charge-offs to loans | 1.6956% | 1,484 |
| Credit loss provision to net charge-offs | 136.5965% | 3,612 |
| Earnings coverage of net charge-offs (x) | 1.0887% | 5,021 |
| Efficiency ratio | 61.2882% | 6,278 |
| Assets per employee ($millions) | 4.2367% | 3,366 |
| Cash dividends to net income (ytd only)* | -10.3784% | 7,612 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9542% | 2,131 |
| Loan loss allowance to noncurrent loans | 38.8470% | 5,827 |
| Noncurrent assets plus other real estate owned to assets | 5.2546% | 1,130 |
| Noncurrent loans to loans | 5.0304% | 1,345 |
| Net loans and leases to total assets | 66.8821% | 3,956 |
| Net loans and leases to deposits | 79.3411% | 4,112 |
| Net loans and leases to core deposits | 94.5499% | 4,618 |
| Total domestic deposits to total assets | 84.2970% | 3,893 |
| Equity capital to assets | 9.3234% | 4,674 |
| Core capital (leverage) ratio | 8.5879% | 5,119 |
| Tier 1 risk-based capital ratio | 10.1454% | 6,745 |
| Total risk-based capital ratio | 11.3998% | 6,707 |
| Memoranda: |
| Average total assets | $95,134,200 | 5,235 |
| Average earning assets | $87,043,600 | 5,225 |
| Average equity | $8,996,600 | 5,604 |
| Average total loans | $64,461,200 | 5,085 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7067% | 3,308 |
| Cost of funding earning assets | 2.4556% | 1,426 |
| Net interest margin | 3.2511% | 5,827 |
| Noninterest income to average assets | 0.1586% | 7,061 |
| Noninterest expense to average assets | 2.2149% | 6,932 |
| Loan and lease loss provision to assets | 0.6386% | 2,841 |
| Net operating income to assets | 0.2841% | 4,843 |
| Return on assets (ROA) | -0.5723% | 6,494 |
| Pretax return on assets | -0.5641% | 6,363 |
| Return on Equity (ROE) | -6.0327% | 6,558 |
| Retained earnings to average equity (ytd only) | -6.7741% | 6,480 |
| Net charge-offs to loans | 1.0968% | 1,819 |
| Credit loss provision to net charge-offs | 86.0595% | 5,591 |
| Earnings coverage of net charge-offs (x) | 1.2546% | 4,834 |
| Efficiency ratio | 70.4077% | 4,510 |
| Assets per employee ($millions) | 4.3871% | 3,060 |
| Cash dividends to net income (ytd only)* | -12.2895% | 7,780 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2447% | 4,876 |
| Loan loss allowance to noncurrent loans | 19.1346% | 7,132 |
| Noncurrent assets plus other real estate owned to assets | 6.2542% | 835 |
| Noncurrent loans to loans | 6.5051% | 886 |
| Net loans and leases to total assets | 68.5488% | 3,839 |
| Net loans and leases to deposits | 82.6547% | 3,899 |
| Net loans and leases to core deposits | 100.4821% | 4,321 |
| Total domestic deposits to total assets | 82.9339% | 4,257 |
| Equity capital to assets | 9.6993% | 4,495 |
| Core capital (leverage) ratio | 8.8696% | 4,864 |
| Tier 1 risk-based capital ratio | 10.8558% | 6,102 |
| Total risk-based capital ratio | 11.9130% | 6,264 |
| Memoranda: |
| Average total assets | $96,675,250 | 5,225 |
| Average earning assets | $88,829,250 | 5,203 |
| Average equity | $9,172,000 | 5,607 |
| Average total loans | $65,403,750 | 5,091 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.9045% | 2,560 |
| Cost of funding earning assets | 2.5258% | 1,523 |
| Net interest margin | 3.3787% | 5,254 |
| Noninterest income to average assets | -0.1181% | 8,041 |
| Noninterest expense to average assets | 2.1611% | 7,148 |
| Loan and lease loss provision to assets | -0.1772% | 8,172 |
| Net operating income to assets | 1.0013% | 2,100 |
| Return on assets (ROA) | 1.1243% | 1,767 |
| Pretax return on assets | 1.1366% | 2,512 |
| Return on Equity (ROE) | 11.9343% | 1,434 |
| Retained earnings to average equity (ytd only) | 11.9343% | 458 |
| Net charge-offs to loans | 0.5828% | 2,584 |
| Credit loss provision to net charge-offs | -45.3125% | 6,916 |
| Earnings coverage of net charge-offs (x) | 2.1354% | 4,005 |
| Efficiency ratio | 72.1278% | 4,385 |
| Assets per employee ($millions) | 4.5162% | 2,749 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9203% | 6,683 |
| Loan loss allowance to noncurrent loans | 11.6650% | 7,469 |
| Noncurrent assets plus other real estate owned to assets | 6.5595% | 689 |
| Noncurrent loans to loans | 7.8896% | 563 |
| Net loans and leases to total assets | 67.2005% | 4,314 |
| Net loans and leases to deposits | 81.2216% | 4,357 |
| Net loans and leases to core deposits | 100.9136% | 4,411 |
| Total domestic deposits to total assets | 82.7372% | 4,368 |
| Equity capital to assets | 9.9852% | 3,960 |
| Core capital (leverage) ratio | 9.4548% | 3,953 |
| Tier 1 risk-based capital ratio | 11.4199% | 5,473 |
| Total risk-based capital ratio | 12.1555% | 5,914 |
| Memoranda: |
| Average total assets | $98,190,330 | 5,212 |
| Average earning assets | $90,507,330 | 5,180 |
| Average equity | $9,250,670 | 5,596 |
| Average total loans | $65,888,330 | 5,114 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6966% | 3,824 |
| Cost of funding earning assets | 2.5882% | 1,599 |
| Net interest margin | 3.1084% | 6,174 |
| Noninterest income to average assets | -0.0521% | 8,114 |
| Noninterest expense to average assets | 1.9907% | 7,373 |
| Loan and lease loss provision to assets | -0.9493% | 8,237 |
| Net operating income to assets | 1.7676% | 565 |
| Return on assets (ROA) | 1.8865% | 495 |
| Pretax return on assets | 1.8986% | 798 |
| Return on Equity (ROE) | 20.6104% | 382 |
| Retained earnings to average equity (ytd only) | 20.6104% | 151 |
| Net charge-offs to loans | -0.0060% | 7,202 |
| Credit loss provision to net charge-offs | 23,700.0000% | 19 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5966% | 4,455 |
| Assets per employee ($millions) | 4.7956% | 2,301 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9437% | 6,535 |
| Loan loss allowance to noncurrent loans | 21.0474% | 7,111 |
| Noncurrent assets plus other real estate owned to assets | 4.3999% | 1,105 |
| Noncurrent loans to loans | 4.4835% | 1,282 |
| Net loans and leases to total assets | 66.1881% | 4,544 |
| Net loans and leases to deposits | 80.9659% | 4,458 |
| Net loans and leases to core deposits | 104.1988% | 4,118 |
| Total domestic deposits to total assets | 81.7480% | 4,659 |
| Equity capital to assets | 9.3320% | 4,887 |
| Core capital (leverage) ratio | 9.2350% | 4,357 |
| Tier 1 risk-based capital ratio | 10.9486% | 5,946 |
| Total risk-based capital ratio | 11.7118% | 6,349 |
| Memoranda: |
| Average total assets | $99,865,500 | 5,188 |
| Average earning assets | $92,265,000 | 5,137 |
| Average equity | $9,141,000 | 5,640 |
| Average total loans | $66,670,000 | 5,109 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.2503% | 4,236 |
| Cost of funding earning assets | 3.1733% | 1,277 |
| Net interest margin | 3.0770% | 6,715 |
| Noninterest income to average assets | 0.2988% | 6,323 |
| Noninterest expense to average assets | 1.8417% | 7,701 |
| Loan and lease loss provision to assets | 1.4498% | 942 |
| Net operating income to assets | -0.0986% | 6,493 |
| Return on assets (ROA) | 0.0470% | 6,098 |
| Pretax return on assets | 0.0498% | 6,048 |
| Return on Equity (ROE) | 0.5161% | 6,066 |
| Retained earnings to average equity (ytd only) | -4.2402% | 6,369 |
| Net charge-offs to loans | 1.5515% | 744 |
| Credit loss provision to net charge-offs | 140.1070% | 3,790 |
| Earnings coverage of net charge-offs (x) | 1.2995% | 5,477 |
| Efficiency ratio | 57.8003% | 6,732 |
| Assets per employee ($millions) | 4.7154% | 2,302 |
| Cash dividends to net income (ytd only)* | 921.5686% | 43 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3187% | 3,658 |
| Loan loss allowance to noncurrent loans | 23.8565% | 7,061 |
| Noncurrent assets plus other real estate owned to assets | 4.3535% | 889 |
| Noncurrent loans to loans | 5.5277% | 727 |
| Net loans and leases to total assets | 65.8204% | 4,889 |
| Net loans and leases to deposits | 78.3427% | 5,287 |
| Net loans and leases to core deposits | 101.8565% | 4,629 |
| Total domestic deposits to total assets | 84.0160% | 3,312 |
| Equity capital to assets | 8.9716% | 5,401 |
| Core capital (leverage) ratio | 8.4285% | 5,699 |
| Tier 1 risk-based capital ratio | 11.7223% | 5,041 |
| Total risk-based capital ratio | 12.9042% | 4,987 |
| Memoranda: |
| Average total assets | $108,429,800 | 4,821 |
| Average earning assets | $101,755,600 | 4,758 |
| Average equity | $9,881,600 | 5,444 |
| Average total loans | $72,316,600 | 4,790 |
