| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1709% | 434 |
| Cost of funding earning assets | 0.4325% | 2,687 |
| Net interest margin | 4.7383% | 397 |
| Noninterest income to average assets | 0.7136% | 2,107 |
| Noninterest expense to average assets | 4.6885% | 320 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.3583% | 5,060 |
| Return on assets (ROA) | 0.3791% | 5,091 |
| Pretax return on assets | 0.3791% | 5,255 |
| Return on Equity (ROE) | 2.8951% | 5,187 |
| Retained earnings to average equity (ytd only) | 2.8951% | 3,838 |
| Net charge-offs to loans | 0.0331% | 3,364 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 13.6512% | 2,352 |
| Efficiency ratio | 92.9003% | 425 |
| Assets per employee ($millions) | 3.9223% | 4,112 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2350% | 443 |
| Loan loss allowance to noncurrent loans | 399.0937% | 1,279 |
| Noncurrent assets plus other real estate owned to assets | 0.4328% | 3,535 |
| Noncurrent loans to loans | 0.5600% | 3,162 |
| Net loans and leases to total assets | 75.5491% | 1,594 |
| Net loans and leases to deposits | 90.7902% | 1,594 |
| Net loans and leases to core deposits | 94.0188% | 2,106 |
| Total domestic deposits to total assets | 83.2128% | 3,693 |
| Equity capital to assets | 14.2396% | 813 |
| Core capital (leverage) ratio | 10.4599% | 2,922 |
| Tier 1 risk-based capital ratio | 11.6780% | 4,937 |
| Total risk-based capital ratio | 12.9587% | 4,823 |
| Memoranda: |
| Average total assets | $163,827,800 | 3,357 |
| Average earning assets | $149,820,200 | 3,372 |
| Average equity | $21,450,400 | 3,026 |
| Average total loans | $130,014,000 | 2,923 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1851% | 435 |
| Cost of funding earning assets | 0.4314% | 2,724 |
| Net interest margin | 4.7537% | 394 |
| Noninterest income to average assets | 0.8254% | 1,667 |
| Noninterest expense to average assets | 5.0388% | 259 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.1361% | 5,576 |
| Return on assets (ROA) | 0.1633% | 5,587 |
| Pretax return on assets | 0.1633% | 5,606 |
| Return on Equity (ROE) | 1.2729% | 5,608 |
| Retained earnings to average equity (ytd only) | 1.2729% | 5,003 |
| Net charge-offs to loans | -0.0251% | 5,089 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.3700% | 275 |
| Assets per employee ($millions) | 3.7527% | 4,385 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1578% | 549 |
| Loan loss allowance to noncurrent loans | 931.2715% | 624 |
| Noncurrent assets plus other real estate owned to assets | 0.1846% | 4,699 |
| Noncurrent loans to loans | 0.2317% | 4,439 |
| Net loans and leases to total assets | 77.9609% | 1,204 |
| Net loans and leases to deposits | 92.9964% | 1,370 |
| Net loans and leases to core deposits | 96.5544% | 1,935 |
| Total domestic deposits to total assets | 83.8321% | 3,262 |
| Equity capital to assets | 13.5577% | 1,219 |
| Core capital (leverage) ratio | 9.7444% | 3,881 |
| Tier 1 risk-based capital ratio | 10.7725% | 5,489 |
| Total risk-based capital ratio | 12.0517% | 5,384 |
| Memoranda: |
| Average total assets | $166,542,750 | 3,343 |
| Average earning assets | $152,381,750 | 3,361 |
| Average equity | $21,367,500 | 3,056 |
| Average total loans | $132,965,500 | 2,887 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1072% | 486 |
| Cost of funding earning assets | 0.4284% | 2,750 |
| Net interest margin | 4.6788% | 435 |
| Noninterest income to average assets | 0.9226% | 1,305 |
| Noninterest expense to average assets | 4.7428% | 313 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.4578% | 4,842 |
| Return on assets (ROA) | 0.4578% | 4,932 |
| Pretax return on assets | 0.4578% | 5,227 |
| Return on Equity (ROE) | 3.6318% | 5,045 |
| Retained earnings to average equity (ytd only) | 3.6318% | 3,581 |
| Net charge-offs to loans | -0.0236% | 5,017 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.1978% | 535 |
| Assets per employee ($millions) | 3.2284% | 5,166 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0838% | 633 |
| Loan loss allowance to noncurrent loans | 375.6606% | 1,353 |
| Noncurrent assets plus other real estate owned to assets | 0.4367% | 3,765 |
| Noncurrent loans to loans | 0.5547% | 3,403 |
| Net loans and leases to total assets | 77.0834% | 1,323 |
| Net loans and leases to deposits | 93.0217% | 1,389 |
| Net loans and leases to core deposits | 95.8313% | 1,990 |
| Total domestic deposits to total assets | 82.8660% | 3,703 |
| Equity capital to assets | 13.1273% | 1,430 |
| Core capital (leverage) ratio | 9.6701% | 3,972 |
| Tier 1 risk-based capital ratio | 10.4439% | 5,695 |
| Total risk-based capital ratio | 11.7211% | 5,597 |
| Memoranda: |
| Average total assets | $169,518,670 | 3,311 |
| Average earning assets | $154,997,330 | 3,335 |
| Average equity | $21,367,000 | 3,065 |
| Average total loans | $135,424,670 | 2,851 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1325% | 469 |
| Cost of funding earning assets | 0.4377% | 2,699 |
| Net interest margin | 4.6948% | 428 |
| Noninterest income to average assets | 0.9049% | 1,298 |
| Noninterest expense to average assets | 4.5850% | 368 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.6118% | 4,123 |
| Return on assets (ROA) | 0.6118% | 4,245 |
| Pretax return on assets | 0.6118% | 4,785 |
| Return on Equity (ROE) | 4.9521% | 4,506 |
| Retained earnings to average equity (ytd only) | 4.9521% | 2,975 |
| Net charge-offs to loans | -0.0231% | 4,932 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.2274% | 796 |
| Assets per employee ($millions) | 3.3036% | 5,121 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9659% | 867 |
| Loan loss allowance to noncurrent loans | 370.9366% | 1,342 |
| Noncurrent assets plus other real estate owned to assets | 0.5520% | 3,410 |
| Noncurrent loans to loans | 0.5300% | 3,597 |
| Net loans and leases to total assets | 79.7040% | 858 |
| Net loans and leases to deposits | 95.6107% | 979 |
| Net loans and leases to core deposits | 98.2112% | 1,622 |
| Total domestic deposits to total assets | 83.3630% | 3,767 |
| Equity capital to assets | 12.6877% | 1,567 |
| Core capital (leverage) ratio | 9.3028% | 4,489 |
| Tier 1 risk-based capital ratio | 9.8780% | 5,932 |
| Total risk-based capital ratio | 11.1529% | 5,899 |
| Memoranda: |
| Average total assets | $171,953,500 | 3,303 |
| Average earning assets | $157,195,000 | 3,328 |
| Average equity | $21,243,500 | 3,082 |
| Average total loans | $138,328,000 | 2,817 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0949% | 519 |
| Cost of funding earning assets | 0.4267% | 2,873 |
| Net interest margin | 4.6682% | 482 |
| Noninterest income to average assets | 0.9810% | 1,227 |
| Noninterest expense to average assets | 4.7229% | 352 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 2.2446% | 228 |
| Return on assets (ROA) | 2.2581% | 229 |
| Pretax return on assets | 0.6006% | 4,836 |
| Return on Equity (ROE) | 20.6897% | 215 |
| Retained earnings to average equity (ytd only) | 18.9363% | 70 |
| Net charge-offs to loans | 0.0935% | 2,497 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 7.7287% | 3,045 |
| Efficiency ratio | 88.9443% | 764 |
| Assets per employee ($millions) | 3.3092% | 5,139 |
| Cash dividends to net income (ytd only)* | 8.4746% | 4,113 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9223% | 916 |
| Loan loss allowance to noncurrent loans | 371.3693% | 1,353 |
| Noncurrent assets plus other real estate owned to assets | 0.5285% | 3,524 |
| Noncurrent loans to loans | 0.5176% | 3,621 |
| Net loans and leases to total assets | 78.1057% | 1,103 |
| Net loans and leases to deposits | 103.0419% | 486 |
| Net loans and leases to core deposits | 105.8076% | 1,107 |
| Total domestic deposits to total assets | 75.7999% | 5,467 |
| Equity capital to assets | 12.0242% | 1,935 |
| Core capital (leverage) ratio | 9.2910% | 4,490 |
| Tier 1 risk-based capital ratio | 9.4205% | 6,056 |
| Total risk-based capital ratio | 10.7034% | 6,037 |
| Memoranda: |
| Average total assets | $169,830,600 | 3,307 |
| Average earning assets | $157,491,000 | 3,291 |
| Average equity | $18,535,800 | 3,310 |
| Average total loans | $138,041,000 | 2,752 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1250% | 493 |
| Cost of funding earning assets | 0.4348% | 2,852 |
| Net interest margin | 4.6902% | 461 |
| Noninterest income to average assets | 0.9902% | 1,207 |
| Noninterest expense to average assets | 4.6971% | 365 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.6562% | 4,097 |
| Return on assets (ROA) | 0.6744% | 4,122 |
| Pretax return on assets | 0.6744% | 4,765 |
| Return on Equity (ROE) | 6.3471% | 3,984 |
| Retained earnings to average equity (ytd only) | 4.5815% | 3,213 |
| Net charge-offs to loans | -0.0610% | 5,608 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.7421% | 864 |
| Assets per employee ($millions) | 3.0913% | 5,438 |
| Cash dividends to net income (ytd only)* | 27.8168% | 2,917 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0671% | 827 |
| Loan loss allowance to noncurrent loans | 1,150.8000% | 508 |
| Noncurrent assets plus other real estate owned to assets | 0.2771% | 4,660 |
| Noncurrent loans to loans | 0.1796% | 4,935 |
| Net loans and leases to total assets | 83.1915% | 453 |
| Net loans and leases to deposits | 100.9876% | 609 |
| Net loans and leases to core deposits | 102.6726% | 1,329 |
| Total domestic deposits to total assets | 82.3779% | 4,031 |
| Equity capital to assets | 11.0938% | 2,911 |
| Core capital (leverage) ratio | 9.0985% | 4,884 |
| Tier 1 risk-based capital ratio | 9.7066% | 6,098 |
| Total risk-based capital ratio | 10.9795% | 6,071 |
| Memoranda: |
| Average total assets | $168,441,250 | 3,358 |
| Average earning assets | $156,693,250 | 3,337 |
| Average equity | $17,897,500 | 3,420 |
| Average total loans | $137,633,000 | 2,771 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9977% | 599 |
| Cost of funding earning assets | 0.4365% | 2,891 |
| Net interest margin | 4.5612% | 564 |
| Noninterest income to average assets | 1.0260% | 1,127 |
| Noninterest expense to average assets | 4.5630% | 396 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.7048% | 3,871 |
| Return on assets (ROA) | 0.7319% | 3,838 |
| Pretax return on assets | 0.7319% | 4,554 |
| Return on Equity (ROE) | 6.9869% | 3,609 |
| Retained earnings to average equity (ytd only) | 6.9869% | 1,705 |
| Net charge-offs to loans | 0.0073% | 3,643 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 119.8000% | 527 |
| Efficiency ratio | 86.6205% | 1,009 |
| Assets per employee ($millions) | 3.0533% | 5,526 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0544% | 907 |
| Loan loss allowance to noncurrent loans | 598.9339% | 875 |
| Noncurrent assets plus other real estate owned to assets | 0.2648% | 4,806 |
| Noncurrent loans to loans | 0.3430% | 4,457 |
| Net loans and leases to total assets | 75.6247% | 1,417 |
| Net loans and leases to deposits | 86.4404% | 2,012 |
| Net loans and leases to core deposits | 87.9816% | 2,555 |
| Total domestic deposits to total assets | 87.4876% | 1,912 |
| Equity capital to assets | 10.1638% | 3,845 |
| Core capital (leverage) ratio | 8.8701% | 5,129 |
| Tier 1 risk-based capital ratio | 9.6962% | 6,160 |
| Total risk-based capital ratio | 10.9693% | 6,128 |
| Memoranda: |
| Average total assets | $169,975,000 | 3,346 |
| Average earning assets | $158,073,330 | 3,330 |
| Average equity | $17,804,670 | 3,453 |
| Average total loans | $137,118,000 | 2,789 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1184% | 468 |
| Cost of funding earning assets | 0.4438% | 2,842 |
| Net interest margin | 4.6746% | 432 |
| Noninterest income to average assets | 0.9204% | 1,325 |
| Noninterest expense to average assets | 4.5949% | 401 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.6424% | 4,075 |
| Return on assets (ROA) | 0.6735% | 4,049 |
| Pretax return on assets | 0.6735% | 4,678 |
| Return on Equity (ROE) | 6.3476% | 3,851 |
| Retained earnings to average equity (ytd only) | 6.3476% | 2,310 |
| Net charge-offs to loans | 0.0379% | 2,453 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 20.6154% | 1,407 |
| Efficiency ratio | 87.7346% | 1,039 |
| Assets per employee ($millions) | 3.1679% | 5,455 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0075% | 1,066 |
| Loan loss allowance to noncurrent loans | 784.5938% | 673 |
| Noncurrent assets plus other real estate owned to assets | 0.2087% | 5,116 |
| Noncurrent loans to loans | 0.2559% | 4,870 |
| Net loans and leases to total assets | 79.9268% | 695 |
| Net loans and leases to deposits | 91.7735% | 1,211 |
| Net loans and leases to core deposits | 93.4725% | 1,812 |
| Total domestic deposits to total assets | 87.0914% | 2,320 |
| Equity capital to assets | 10.4207% | 3,622 |
| Core capital (leverage) ratio | 9.9962% | 3,605 |
| Tier 1 risk-based capital ratio | 10.8642% | 5,867 |
| Total risk-based capital ratio | 12.1158% | 5,795 |
| Memoranda: |
| Average total assets | $166,882,000 | 3,416 |
| Average earning assets | $154,110,500 | 3,405 |
| Average equity | $17,707,500 | 3,495 |
| Average total loans | $137,311,000 | 2,784 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8924% | 939 |
| Cost of funding earning assets | 0.5369% | 2,314 |
| Net interest margin | 4.3554% | 956 |
| Noninterest income to average assets | 1.0944% | 1,013 |
| Noninterest expense to average assets | 3.6627% | 1,205 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 2.9634% | 96 |
| Return on assets (ROA) | 2.9586% | 96 |
| Pretax return on assets | 1.4088% | 1,857 |
| Return on Equity (ROE) | 33.8106% | 41 |
| Retained earnings to average equity (ytd only) | 33.8106% | 17 |
| Net charge-offs to loans | -0.0488% | 5,930 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1523% | 3,179 |
| Assets per employee ($millions) | 3.5370% | 4,842 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0822% | 977 |
| Loan loss allowance to noncurrent loans | 1,094.5525% | 544 |
| Noncurrent assets plus other real estate owned to assets | 0.1580% | 5,393 |
| Noncurrent loans to loans | 0.1902% | 5,144 |
| Net loans and leases to total assets | 81.3042% | 593 |
| Net loans and leases to deposits | 95.8739% | 906 |
| Net loans and leases to core deposits | 97.8280% | 1,564 |
| Total domestic deposits to total assets | 84.8033% | 3,370 |
| Equity capital to assets | 10.8107% | 3,108 |
| Core capital (leverage) ratio | 9.3600% | 4,453 |
| Tier 1 risk-based capital ratio | 11.4290% | 5,696 |
| Total risk-based capital ratio | 12.6904% | 5,613 |
| Memoranda: |
| Average total assets | $166,023,200 | 3,395 |
| Average earning assets | $151,787,600 | 3,414 |
| Average equity | $14,528,000 | 3,930 |
| Average total loans | $127,040,000 | 2,928 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8672% | 998 |
| Cost of funding earning assets | 0.5614% | 2,183 |
| Net interest margin | 4.3058% | 1,040 |
| Noninterest income to average assets | 1.3576% | 670 |
| Noninterest expense to average assets | 3.5303% | 1,411 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 3.8060% | 63 |
| Return on assets (ROA) | 3.8052% | 63 |
| Pretax return on assets | 1.7492% | 981 |
| Return on Equity (ROE) | 46.1330% | 17 |
| Retained earnings to average equity (ytd only) | 46.1330% | 7 |
| Net charge-offs to loans | -0.0555% | 5,948 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8584% | 4,070 |
| Assets per employee ($millions) | 3.6553% | 4,565 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2212% | 915 |
| Loan loss allowance to noncurrent loans | 1,531.6940% | 384 |
| Noncurrent assets plus other real estate owned to assets | 0.1113% | 5,717 |
| Noncurrent loans to loans | 0.1450% | 5,481 |
| Net loans and leases to total assets | 75.0158% | 1,362 |
| Net loans and leases to deposits | 87.3250% | 1,751 |
| Net loans and leases to core deposits | 88.9953% | 2,326 |
| Total domestic deposits to total assets | 85.9041% | 2,895 |
| Equity capital to assets | 10.5540% | 3,494 |
| Core capital (leverage) ratio | 9.2144% | 4,761 |
| Tier 1 risk-based capital ratio | 11.8795% | 5,570 |
| Total risk-based capital ratio | 13.1416% | 5,482 |
| Memoranda: |
| Average total assets | $166,854,000 | 3,407 |
| Average earning assets | $152,007,000 | 3,431 |
| Average equity | $13,762,750 | 4,084 |
| Average total loans | $125,026,250 | 2,977 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9311% | 859 |
| Cost of funding earning assets | 0.5973% | 1,921 |
| Net interest margin | 4.3338% | 963 |
| Noninterest income to average assets | 1.3827% | 635 |
| Noninterest expense to average assets | 3.4239% | 1,627 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.8802% | 427 |
| Return on assets (ROA) | 1.8730% | 446 |
| Pretax return on assets | 1.8730% | 724 |
| Return on Equity (ROE) | 24.9927% | 111 |
| Retained earnings to average equity (ytd only) | 24.9927% | 43 |
| Net charge-offs to loans | -0.0385% | 5,772 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5524% | 4,604 |
| Assets per employee ($millions) | 3.8738% | 4,122 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2186% | 996 |
| Loan loss allowance to noncurrent loans | 8,161.7647% | 89 |
| Noncurrent assets plus other real estate owned to assets | 0.0209% | 6,162 |
| Noncurrent loans to loans | 0.0272% | 5,984 |
| Net loans and leases to total assets | 75.1709% | 1,283 |
| Net loans and leases to deposits | 87.4874% | 1,660 |
| Net loans and leases to core deposits | 89.1766% | 2,194 |
| Total domestic deposits to total assets | 85.9219% | 3,081 |
| Equity capital to assets | 8.6878% | 5,622 |
| Core capital (leverage) ratio | 8.6786% | 5,436 |
| Tier 1 risk-based capital ratio | 11.5809% | 5,758 |
| Total risk-based capital ratio | 12.8433% | 5,704 |
| Memoranda: |
| Average total assets | $167,642,670 | 3,413 |
| Average earning assets | $151,691,330 | 3,451 |
| Average equity | $12,563,670 | 4,308 |
| Average total loans | $124,636,670 | 2,976 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6867% | 1,289 |
| Cost of funding earning assets | 0.6371% | 1,672 |
| Net interest margin | 4.0496% | 1,602 |
| Noninterest income to average assets | 0.8206% | 1,671 |
| Noninterest expense to average assets | 3.2684% | 2,022 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.1992% | 1,488 |
| Return on assets (ROA) | 1.1992% | 1,554 |
| Pretax return on assets | 1.1992% | 2,485 |
| Return on Equity (ROE) | 17.3204% | 503 |
| Retained earnings to average equity (ytd only) | 17.3204% | 206 |
| Net charge-offs to loans | 0.0225% | 3,124 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 72.8571% | 576 |
| Efficiency ratio | 73.1579% | 3,283 |
| Assets per employee ($millions) | 3.9818% | 3,981 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1604% | 1,221 |
| Loan loss allowance to noncurrent loans | 74.3631% | 4,355 |
| Noncurrent assets plus other real estate owned to assets | 2.2064% | 1,499 |
| Noncurrent loans to loans | 2.9052% | 1,119 |
| Net loans and leases to total assets | 74.3077% | 1,227 |
| Net loans and leases to deposits | 85.2905% | 1,697 |
| Net loans and leases to core deposits | 87.3591% | 2,158 |
| Total domestic deposits to total assets | 87.1231% | 2,736 |
| Equity capital to assets | 7.2448% | 6,393 |
| Core capital (leverage) ratio | 7.3300% | 6,394 |
| Tier 1 risk-based capital ratio | 9.4718% | 6,551 |
| Total risk-based capital ratio | 10.7325% | 6,534 |
| Memoranda: |
| Average total assets | $170,114,000 | 3,406 |
| Average earning assets | $153,201,000 | 3,455 |
| Average equity | $11,778,000 | 4,455 |
| Average total loans | $124,416,000 | 2,981 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9775% | 954 |
| Cost of funding earning assets | 1.0541% | 350 |
| Net interest margin | 3.9234% | 2,206 |
| Noninterest income to average assets | 0.4165% | 4,330 |
| Noninterest expense to average assets | 3.0511% | 2,897 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.1202% | 1,870 |
| Return on assets (ROA) | 1.1594% | 1,779 |
| Pretax return on assets | 0.8535% | 3,946 |
| Return on Equity (ROE) | 19.7651% | 295 |
| Retained earnings to average equity (ytd only) | 19.7651% | 82 |
| Net charge-offs to loans | -0.0065% | 5,959 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9346% | 2,333 |
| Assets per employee ($millions) | 3.9316% | 3,996 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2583% | 1,099 |
| Loan loss allowance to noncurrent loans | 64.2307% | 4,707 |
| Noncurrent assets plus other real estate owned to assets | 3.0996% | 1,006 |
| Noncurrent loans to loans | 3.5159% | 885 |
| Net loans and leases to total assets | 68.8284% | 2,207 |
| Net loans and leases to deposits | 78.9915% | 2,594 |
| Net loans and leases to core deposits | 80.7114% | 3,045 |
| Total domestic deposits to total assets | 87.1340% | 2,654 |
| Equity capital to assets | 6.6131% | 6,549 |
| Core capital (leverage) ratio | 7.0371% | 6,519 |
| Tier 1 risk-based capital ratio | 9.1214% | 6,652 |
| Total risk-based capital ratio | 10.3823% | 6,635 |
| Memoranda: |
| Average total assets | $170,952,200 | 3,395 |
| Average earning assets | $150,277,000 | 3,495 |
| Average equity | $10,027,800 | 4,842 |
| Average total loans | $123,548,800 | 2,971 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9384% | 1,051 |
| Cost of funding earning assets | 1.1017% | 309 |
| Net interest margin | 3.8367% | 2,510 |
| Noninterest income to average assets | 0.4388% | 4,229 |
| Noninterest expense to average assets | 3.0203% | 2,922 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.9238% | 2,719 |
| Return on assets (ROA) | 0.9763% | 2,586 |
| Pretax return on assets | 0.8300% | 4,184 |
| Return on Equity (ROE) | 17.1990% | 522 |
| Retained earnings to average equity (ytd only) | 17.1990% | 128 |
| Net charge-offs to loans | -0.0108% | 5,906 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5263% | 2,174 |
| Assets per employee ($millions) | 4.2609% | 3,306 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1607% | 1,397 |
| Loan loss allowance to noncurrent loans | 62.2147% | 4,726 |
| Noncurrent assets plus other real estate owned to assets | 3.3591% | 1,033 |
| Noncurrent loans to loans | 3.4730% | 1,099 |
| Net loans and leases to total assets | 73.1417% | 1,424 |
| Net loans and leases to deposits | 84.3077% | 1,839 |
| Net loans and leases to core deposits | 86.1768% | 2,389 |
| Total domestic deposits to total assets | 86.7557% | 2,821 |
| Equity capital to assets | 6.3174% | 6,662 |
| Core capital (leverage) ratio | 6.5800% | 6,652 |
| Tier 1 risk-based capital ratio | 8.1971% | 6,757 |
| Total risk-based capital ratio | 9.4566% | 6,760 |
| Memoranda: |
| Average total assets | $170,442,500 | 3,438 |
| Average earning assets | $149,222,000 | 3,547 |
| Average equity | $9,674,750 | 4,981 |
| Average total loans | $123,981,500 | 2,976 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9467% | 1,010 |
| Cost of funding earning assets | 1.1382% | 280 |
| Net interest margin | 3.8084% | 2,527 |
| Noninterest income to average assets | 0.3098% | 5,228 |
| Noninterest expense to average assets | 3.1025% | 2,652 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.6618% | 4,012 |
| Return on assets (ROA) | 0.6724% | 4,108 |
| Pretax return on assets | 0.5315% | 5,263 |
| Return on Equity (ROE) | 12.3085% | 1,401 |
| Retained earnings to average equity (ytd only) | 12.3085% | 446 |
| Net charge-offs to loans | -0.0033% | 5,578 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.6218% | 1,449 |
| Assets per employee ($millions) | 4.0373% | 3,715 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1558% | 1,518 |
| Loan loss allowance to noncurrent loans | 71.2432% | 4,357 |
| Noncurrent assets plus other real estate owned to assets | 3.7956% | 963 |
| Noncurrent loans to loans | 3.0259% | 1,472 |
| Net loans and leases to total assets | 73.4745% | 1,328 |
| Net loans and leases to deposits | 83.0818% | 1,917 |
| Net loans and leases to core deposits | 85.0365% | 2,432 |
| Total domestic deposits to total assets | 88.4363% | 1,960 |
| Equity capital to assets | 6.0490% | 6,737 |
| Core capital (leverage) ratio | 6.0952% | 6,743 |
| Tier 1 risk-based capital ratio | 7.5933% | 6,817 |
| Total risk-based capital ratio | 8.8528% | 6,817 |
| Memoranda: |
| Average total assets | $170,445,000 | 3,455 |
| Average earning assets | $148,302,000 | 3,593 |
| Average equity | $9,310,670 | 5,106 |
| Average total loans | $122,838,000 | 3,006 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8869% | 1,118 |
| Cost of funding earning assets | 1.2062% | 225 |
| Net interest margin | 3.6808% | 2,946 |
| Noninterest income to average assets | 0.3488% | 4,889 |
| Noninterest expense to average assets | 3.0875% | 2,716 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.4311% | 4,999 |
| Return on assets (ROA) | 0.4518% | 5,063 |
| Pretax return on assets | 0.4611% | 5,386 |
| Return on Equity (ROE) | 8.7355% | 2,606 |
| Retained earnings to average equity (ytd only) | 8.7355% | 1,471 |
| Net charge-offs to loans | -0.0166% | 5,631 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.5249% | 1,372 |
| Assets per employee ($millions) | 3.9975% | 3,951 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2310% | 1,526 |
| Loan loss allowance to noncurrent loans | 506.0773% | 846 |
| Noncurrent assets plus other real estate owned to assets | 3.2037% | 1,362 |
| Noncurrent loans to loans | 0.4409% | 5,316 |
| Net loans and leases to total assets | 70.0565% | 1,650 |
| Net loans and leases to deposits | 79.0177% | 2,210 |
| Net loans and leases to core deposits | 80.8425% | 2,712 |
| Total domestic deposits to total assets | 88.6593% | 1,894 |
| Equity capital to assets | 5.9479% | 6,830 |
| Core capital (leverage) ratio | 5.8308% | 6,819 |
| Tier 1 risk-based capital ratio | 7.3894% | 6,882 |
| Total risk-based capital ratio | 8.6525% | 6,883 |
| Memoranda: |
| Average total assets | $170,885,000 | 3,479 |
| Average earning assets | $147,577,000 | 3,632 |
| Average equity | $8,837,500 | 5,261 |
| Average total loans | $120,591,000 | 3,079 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9449% | 1,703 |
| Cost of funding earning assets | 1.4804% | 182 |
| Net interest margin | 3.4644% | 4,650 |
| Noninterest income to average assets | 0.0311% | 6,750 |
| Noninterest expense to average assets | 3.5436% | 1,733 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | -0.4399% | 6,538 |
| Return on assets (ROA) | 0.0478% | 6,233 |
| Pretax return on assets | 0.0562% | 6,216 |
| Return on Equity (ROE) | 1.1570% | 6,098 |
| Retained earnings to average equity (ytd only) | 1.1570% | 5,294 |
| Net charge-offs to loans | 1.3618% | 688 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | -0.6141% | 5,696 |
| Efficiency ratio | 117.1045% | 236 |
| Assets per employee ($millions) | 4.0447% | 3,854 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3244% | 1,336 |
| Loan loss allowance to noncurrent loans | 186.0923% | 1,961 |
| Noncurrent assets plus other real estate owned to assets | 4.6140% | 883 |
| Noncurrent loans to loans | 1.2490% | 3,752 |
| Net loans and leases to total assets | 67.8542% | 2,206 |
| Net loans and leases to deposits | 73.1623% | 3,230 |
| Net loans and leases to core deposits | 76.9058% | 3,420 |
| Total domestic deposits to total assets | 92.7447% | 157 |
| Equity capital to assets | 4.3861% | 6,984 |
| Core capital (leverage) ratio | 4.2626% | 6,974 |
| Tier 1 risk-based capital ratio | 5.5381% | 7,005 |
| Total risk-based capital ratio | 6.7981% | 7,007 |
| Memoranda: |
| Average total assets | $179,875,200 | 3,319 |
| Average earning assets | $155,494,600 | 3,458 |
| Average equity | $7,432,800 | 5,656 |
| Average total loans | $111,326,800 | 3,269 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9763% | 1,754 |
| Cost of funding earning assets | 1.5207% | 183 |
| Net interest margin | 3.4557% | 4,826 |
| Noninterest income to average assets | 0.0629% | 6,758 |
| Noninterest expense to average assets | 3.5676% | 1,619 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | -0.4654% | 6,681 |
| Return on assets (ROA) | 0.0768% | 6,301 |
| Pretax return on assets | 0.0848% | 6,290 |
| Return on Equity (ROE) | 1.8847% | 6,061 |
| Retained earnings to average equity (ytd only) | 1.8847% | 5,393 |
| Net charge-offs to loans | 1.7436% | 462 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | -0.4874% | 5,492 |
| Efficiency ratio | 116.7185% | 220 |
| Assets per employee ($millions) | 4.0586% | 3,754 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.5473% | 1,151 |
| Loan loss allowance to noncurrent loans | 140.2681% | 2,407 |
| Noncurrent assets plus other real estate owned to assets | 4.7892% | 943 |
| Noncurrent loans to loans | 1.8160% | 3,055 |
| Net loans and leases to total assets | 61.9279% | 3,393 |
| Net loans and leases to deposits | 66.5607% | 4,395 |
| Net loans and leases to core deposits | 69.8432% | 4,513 |
| Total domestic deposits to total assets | 93.0397% | 105 |
| Equity capital to assets | 4.4832% | 7,078 |
| Core capital (leverage) ratio | 4.1658% | 7,082 |
| Tier 1 risk-based capital ratio | 5.5939% | 7,100 |
| Total risk-based capital ratio | 6.8551% | 7,101 |
| Memoranda: |
| Average total assets | $182,375,000 | 3,305 |
| Average earning assets | $157,996,750 | 3,448 |
| Average equity | $7,428,250 | 5,718 |
| Average total loans | $109,655,750 | 3,331 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0773% | 1,575 |
| Cost of funding earning assets | 1.5608% | 183 |
| Net interest margin | 3.5165% | 4,600 |
| Noninterest income to average assets | -0.0487% | 7,056 |
| Noninterest expense to average assets | 3.6531% | 1,463 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | -0.6573% | 6,802 |
| Return on assets (ROA) | -0.0724% | 6,519 |
| Pretax return on assets | -0.0649% | 6,492 |
| Return on Equity (ROE) | -1.8365% | 6,608 |
| Retained earnings to average equity (ytd only) | -1.8365% | 6,337 |
| Net charge-offs to loans | 1.8803% | 466 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | -0.5852% | 5,255 |
| Efficiency ratio | 121.6343% | 217 |
| Assets per employee ($millions) | 4.5321% | 2,841 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.9282% | 844 |
| Loan loss allowance to noncurrent loans | 90.0028% | 3,480 |
| Noncurrent assets plus other real estate owned to assets | 5.4340% | 829 |
| Noncurrent loans to loans | 3.2535% | 1,790 |
| Net loans and leases to total assets | 59.1023% | 3,975 |
| Net loans and leases to deposits | 63.1345% | 4,863 |
| Net loans and leases to core deposits | 65.8304% | 5,021 |
| Total domestic deposits to total assets | 93.6133% | 93 |
| Equity capital to assets | 4.1664% | 7,133 |
| Core capital (leverage) ratio | 3.9775% | 7,136 |
| Tier 1 risk-based capital ratio | 5.3724% | 7,150 |
| Total risk-based capital ratio | 6.6367% | 7,151 |
| Memoranda: |
| Average total assets | $184,993,670 | 3,279 |
| Average earning assets | $160,559,330 | 3,414 |
| Average equity | $7,296,330 | 5,759 |
| Average total loans | $109,240,670 | 3,358 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0753% | 1,651 |
| Cost of funding earning assets | 1.6745% | 137 |
| Net interest margin | 3.4008% | 5,116 |
| Noninterest income to average assets | 0.5994% | 3,234 |
| Noninterest expense to average assets | 4.0247% | 907 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -0.4860% | 6,821 |
| Return on assets (ROA) | -0.4838% | 6,848 |
| Pretax return on assets | -0.4753% | 6,814 |
| Return on Equity (ROE) | -12.6116% | 7,031 |
| Retained earnings to average equity (ytd only) | -12.6116% | 6,913 |
| Net charge-offs to loans | 2.6612% | 299 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | -0.3084% | 4,468 |
| Efficiency ratio | 113.4581% | 294 |
| Assets per employee ($millions) | 4.3825% | 3,224 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.3297% | 607 |
| Loan loss allowance to noncurrent loans | 117.0086% | 2,671 |
| Noncurrent assets plus other real estate owned to assets | 5.9572% | 795 |
| Noncurrent loans to loans | 2.8457% | 2,268 |
| Net loans and leases to total assets | 55.7735% | 4,426 |
| Net loans and leases to deposits | 59.4587% | 5,220 |
| Net loans and leases to core deposits | 61.7446% | 5,351 |
| Total domestic deposits to total assets | 93.8022% | 98 |
| Equity capital to assets | 3.9068% | 7,195 |
| Core capital (leverage) ratio | 3.7816% | 7,194 |
| Tier 1 risk-based capital ratio | 5.3025% | 7,202 |
| Total risk-based capital ratio | 6.5701% | 7,205 |
| Memoranda: |
| Average total assets | $186,848,500 | 3,273 |
| Average earning assets | $161,961,500 | 3,407 |
| Average equity | $7,168,000 | 5,816 |
| Average total loans | $108,673,500 | 3,384 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1056% | 2,428 |
| Cost of funding earning assets | 1.8162% | 202 |
| Net interest margin | 3.2894% | 5,838 |
| Noninterest income to average assets | 0.0420% | 6,867 |
| Noninterest expense to average assets | 3.6601% | 1,614 |
| Loan and lease loss provision to assets | 0.4357% | 2,417 |
| Net operating income to assets | -1.1617% | 6,806 |
| Return on assets (ROA) | -1.0633% | 6,795 |
| Pretax return on assets | -1.0558% | 6,756 |
| Return on Equity (ROE) | -25.9443% | 7,056 |
| Retained earnings to average equity (ytd only) | -25.9443% | 7,046 |
| Net charge-offs to loans | 1.9967% | 692 |
| Credit loss provision to net charge-offs | 34.0891% | 5,727 |
| Earnings coverage of net charge-offs (x) | -0.5622% | 6,099 |
| Efficiency ratio | 124.4267% | 270 |
| Assets per employee ($millions) | 4.7408% | 2,530 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.8308% | 426 |
| Loan loss allowance to noncurrent loans | 65.9235% | 4,220 |
| Noncurrent assets plus other real estate owned to assets | 6.9476% | 660 |
| Noncurrent loans to loans | 5.8110% | 880 |
| Net loans and leases to total assets | 56.3689% | 4,641 |
| Net loans and leases to deposits | 62.9347% | 5,125 |
| Net loans and leases to core deposits | 65.3946% | 5,334 |
| Total domestic deposits to total assets | 89.5672% | 1,225 |
| Equity capital to assets | 3.7678% | 7,236 |
| Core capital (leverage) ratio | 3.8228% | 7,220 |
| Tier 1 risk-based capital ratio | 5.4201% | 7,227 |
| Total risk-based capital ratio | 6.6935% | 7,228 |
| Memoranda: |
| Average total assets | $200,129,600 | 3,056 |
| Average earning assets | $176,414,000 | 3,137 |
| Average equity | $8,202,200 | 5,511 |
| Average total loans | $128,111,400 | 3,018 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2329% | 2,083 |
| Cost of funding earning assets | 1.8354% | 230 |
| Net interest margin | 3.3976% | 5,584 |
| Noninterest income to average assets | -0.0434% | 7,154 |
| Noninterest expense to average assets | 3.4885% | 1,968 |
| Loan and lease loss provision to assets | 0.9857% | 879 |
| Net operating income to assets | -1.5230% | 7,048 |
| Return on assets (ROA) | -1.3934% | 7,031 |
| Pretax return on assets | -1.3862% | 6,993 |
| Return on Equity (ROE) | -33.3699% | 7,223 |
| Retained earnings to average equity (ytd only) | -33.3699% | 7,216 |
| Net charge-offs to loans | 2.3815% | 478 |
| Credit loss provision to net charge-offs | 63.4095% | 4,693 |
| Earnings coverage of net charge-offs (x) | -0.3409% | 5,780 |
| Efficiency ratio | 117.9151% | 325 |
| Assets per employee ($millions) | 4.4709% | 2,965 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.3820% | 291 |
| Loan loss allowance to noncurrent loans | 43.1166% | 5,431 |
| Noncurrent assets plus other real estate owned to assets | 10.6649% | 315 |
| Noncurrent loans to loans | 10.1632% | 347 |
| Net loans and leases to total assets | 56.3481% | 4,788 |
| Net loans and leases to deposits | 63.2052% | 5,266 |
| Net loans and leases to core deposits | 65.6885% | 5,444 |
| Total domestic deposits to total assets | 89.1511% | 1,333 |
| Equity capital to assets | 3.7053% | 7,338 |
| Core capital (leverage) ratio | 3.7077% | 7,317 |
| Tier 1 risk-based capital ratio | 5.5279% | 7,312 |
| Total risk-based capital ratio | 6.8099% | 7,312 |
| Memoranda: |
| Average total assets | $202,753,750 | 3,044 |
| Average earning assets | $179,142,500 | 3,124 |
| Average equity | $8,466,500 | 5,441 |
| Average total loans | $132,351,250 | 2,969 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9711% | 3,306 |
| Cost of funding earning assets | 1.8408% | 270 |
| Net interest margin | 3.1303% | 6,336 |
| Noninterest income to average assets | 0.0371% | 7,090 |
| Noninterest expense to average assets | 3.5475% | 1,864 |
| Loan and lease loss provision to assets | 1.4641% | 488 |
| Net operating income to assets | -2.1976% | 7,222 |
| Return on assets (ROA) | -2.0199% | 7,196 |
| Pretax return on assets | -2.0130% | 7,166 |
| Return on Equity (ROE) | -46.6870% | 7,336 |
| Retained earnings to average equity (ytd only) | -46.6870% | 7,333 |
| Net charge-offs to loans | 2.1738% | 593 |
| Credit loss provision to net charge-offs | 100.0668% | 3,111 |
| Earnings coverage of net charge-offs (x) | -0.4967% | 5,522 |
| Efficiency ratio | 125.7618% | 289 |
| Assets per employee ($millions) | 4.2203% | 3,316 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.5916% | 257 |
| Loan loss allowance to noncurrent loans | 32.3962% | 6,125 |
| Noncurrent assets plus other real estate owned to assets | 12.5372% | 231 |
| Noncurrent loans to loans | 14.1733% | 158 |
| Net loans and leases to total assets | 62.2881% | 3,829 |
| Net loans and leases to deposits | 69.3507% | 4,517 |
| Net loans and leases to core deposits | 71.9236% | 4,832 |
| Total domestic deposits to total assets | 89.8162% | 1,066 |
| Equity capital to assets | 3.8845% | 7,398 |
| Core capital (leverage) ratio | 3.6280% | 7,395 |
| Tier 1 risk-based capital ratio | 5.0515% | 7,399 |
| Total risk-based capital ratio | 6.3366% | 7,399 |
| Memoranda: |
| Average total assets | $204,765,000 | 3,043 |
| Average earning assets | $182,093,670 | 3,098 |
| Average equity | $8,859,000 | 5,360 |
| Average total loans | $137,825,670 | 2,893 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9035% | 3,573 |
| Cost of funding earning assets | 1.8560% | 307 |
| Net interest margin | 3.0475% | 6,465 |
| Noninterest income to average assets | 0.2904% | 5,590 |
| Noninterest expense to average assets | 3.5082% | 1,984 |
| Loan and lease loss provision to assets | 1.3675% | 487 |
| Net operating income to assets | -1.8695% | 7,263 |
| Return on assets (ROA) | -1.6002% | 7,222 |
| Pretax return on assets | -1.5906% | 7,189 |
| Return on Equity (ROE) | -35.2692% | 7,361 |
| Retained earnings to average equity (ytd only) | -35.2692% | 7,337 |
| Net charge-offs to loans | 1.7156% | 770 |
| Credit loss provision to net charge-offs | 116.7488% | 2,319 |
| Earnings coverage of net charge-offs (x) | -0.4204% | 4,769 |
| Efficiency ratio | 116.3265% | 391 |
| Assets per employee ($millions) | 4.5932% | 2,742 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.3610% | 325 |
| Loan loss allowance to noncurrent loans | 23.9742% | 6,610 |
| Noncurrent assets plus other real estate owned to assets | 14.5210% | 166 |
| Noncurrent loans to loans | 18.1903% | 87 |
| Net loans and leases to total assets | 64.1601% | 3,407 |
| Net loans and leases to deposits | 71.2942% | 4,161 |
| Net loans and leases to core deposits | 73.8296% | 4,548 |
| Total domestic deposits to total assets | 89.9934% | 1,152 |
| Equity capital to assets | 4.3499% | 7,416 |
| Core capital (leverage) ratio | 4.1509% | 7,425 |
| Tier 1 risk-based capital ratio | 5.6222% | 7,433 |
| Total risk-based capital ratio | 6.9055% | 7,435 |
| Memoranda: |
| Average total assets | $207,970,500 | 3,015 |
| Average earning assets | $185,988,500 | 3,067 |
| Average equity | $9,436,000 | 5,194 |
| Average total loans | $141,990,000 | 2,845 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1070% | 4,067 |
| Cost of funding earning assets | 2.2103% | 296 |
| Net interest margin | 2.8966% | 6,897 |
| Noninterest income to average assets | -0.2708% | 7,501 |
| Noninterest expense to average assets | 3.2637% | 2,858 |
| Loan and lease loss provision to assets | 0.3755% | 3,872 |
| Net operating income to assets | -1.3350% | 6,847 |
| Return on assets (ROA) | -1.3350% | 6,869 |
| Pretax return on assets | -1.3285% | 6,790 |
| Return on Equity (ROE) | -26.9250% | 7,177 |
| Retained earnings to average equity (ytd only) | -26.9250% | 7,163 |
| Net charge-offs to loans | 1.5194% | 1,445 |
| Credit loss provision to net charge-offs | 36.1146% | 6,435 |
| Earnings coverage of net charge-offs (x) | -0.9166% | 6,583 |
| Efficiency ratio | 141.2400% | 251 |
| Assets per employee ($millions) | 4.4521% | 2,953 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.0910% | 370 |
| Loan loss allowance to noncurrent loans | 21.6955% | 6,743 |
| Noncurrent assets plus other real estate owned to assets | 14.6779% | 177 |
| Noncurrent loans to loans | 18.8566% | 86 |
| Net loans and leases to total assets | 66.6069% | 3,331 |
| Net loans and leases to deposits | 74.2665% | 4,151 |
| Net loans and leases to core deposits | 79.3750% | 4,295 |
| Total domestic deposits to total assets | 89.6864% | 1,280 |
| Equity capital to assets | 4.7222% | 7,456 |
| Core capital (leverage) ratio | 4.4347% | 7,464 |
| Tier 1 risk-based capital ratio | 5.9534% | 7,481 |
| Total risk-based capital ratio | 7.2381% | 7,480 |
| Memoranda: |
| Average total assets | $228,234,600 | 2,777 |
| Average earning assets | $203,407,600 | 2,828 |
| Average equity | $11,316,600 | 4,788 |
| Average total loans | $156,182,600 | 2,668 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1229% | 4,204 |
| Cost of funding earning assets | 2.2838% | 288 |
| Net interest margin | 2.8390% | 7,095 |
| Noninterest income to average assets | -0.4584% | 7,672 |
| Noninterest expense to average assets | 3.2414% | 2,774 |
| Loan and lease loss provision to assets | 0.2043% | 5,010 |
| Net operating income to assets | -1.3786% | 7,064 |
| Return on assets (ROA) | -1.3786% | 7,087 |
| Pretax return on assets | -1.3786% | 7,003 |
| Return on Equity (ROE) | -27.5099% | 7,348 |
| Retained earnings to average equity (ytd only) | -27.5099% | 7,341 |
| Net charge-offs to loans | 1.5414% | 1,303 |
| Credit loss provision to net charge-offs | 19.4339% | 6,252 |
| Earnings coverage of net charge-offs (x) | -1.1170% | 6,465 |
| Efficiency ratio | 156.8106% | 172 |
| Assets per employee ($millions) | 4.4434% | 3,002 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.0000% | 370 |
| Loan loss allowance to noncurrent loans | 20.2663% | 6,899 |
| Noncurrent assets plus other real estate owned to assets | 15.5009% | 141 |
| Noncurrent loans to loans | 19.7373% | 79 |
| Net loans and leases to total assets | 67.3013% | 3,378 |
| Net loans and leases to deposits | 75.6062% | 4,245 |
| Net loans and leases to core deposits | 80.7342% | 4,416 |
| Total domestic deposits to total assets | 89.0156% | 1,379 |
| Equity capital to assets | 5.1537% | 7,566 |
| Core capital (leverage) ratio | 4.6454% | 7,582 |
| Tier 1 risk-based capital ratio | 6.1809% | 7,596 |
| Total risk-based capital ratio | 7.4607% | 7,597 |
| Memoranda: |
| Average total assets | $232,981,500 | 2,744 |
| Average earning assets | $207,248,500 | 2,820 |
| Average equity | $11,675,500 | 4,771 |
| Average total loans | $158,898,750 | 2,677 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9687% | 5,091 |
| Cost of funding earning assets | 2.3785% | 253 |
| Net interest margin | 2.5902% | 7,357 |
| Noninterest income to average assets | -0.6888% | 7,770 |
| Noninterest expense to average assets | 3.1543% | 3,070 |
| Loan and lease loss provision to assets | 0.2981% | 4,004 |
| Net operating income to assets | -1.8151% | 7,258 |
| Return on assets (ROA) | -1.8151% | 7,263 |
| Pretax return on assets | -1.8435% | 7,189 |
| Return on Equity (ROE) | -36.5276% | 7,504 |
| Retained earnings to average equity (ytd only) | -36.5276% | 7,495 |
| Net charge-offs to loans | 1.9331% | 949 |
| Credit loss provision to net charge-offs | 22.7969% | 5,823 |
| Earnings coverage of net charge-offs (x) | -1.1820% | 6,145 |
| Efficiency ratio | 196.0560% | 104 |
| Assets per employee ($millions) | 4.6426% | 2,662 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.0949% | 343 |
| Loan loss allowance to noncurrent loans | 20.2101% | 6,928 |
| Noncurrent assets plus other real estate owned to assets | 16.0416% | 115 |
| Noncurrent loans to loans | 20.2616% | 81 |
| Net loans and leases to total assets | 65.7076% | 3,895 |
| Net loans and leases to deposits | 73.7410% | 4,717 |
| Net loans and leases to core deposits | 80.0816% | 4,683 |
| Total domestic deposits to total assets | 89.1059% | 1,374 |
| Equity capital to assets | 5.0071% | 7,634 |
| Core capital (leverage) ratio | 4.5890% | 7,649 |
| Tier 1 risk-based capital ratio | 6.1685% | 7,652 |
| Total risk-based capital ratio | 7.4496% | 7,653 |
| Memoranda: |
| Average total assets | $239,547,330 | 2,708 |
| Average earning assets | $212,490,000 | 2,783 |
| Average equity | $11,903,330 | 4,707 |
| Average total loans | $162,023,670 | 2,665 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9482% | 5,241 |
| Cost of funding earning assets | 2.4877% | 233 |
| Net interest margin | 2.4604% | 7,501 |
| Noninterest income to average assets | -0.6325% | 7,876 |
| Noninterest expense to average assets | 3.0206% | 3,601 |
| Loan and lease loss provision to assets | 0.4599% | 2,669 |
| Net operating income to assets | -1.9056% | 7,442 |
| Return on assets (ROA) | -1.9056% | 7,444 |
| Pretax return on assets | -1.9330% | 7,395 |
| Return on Equity (ROE) | -38.4816% | 7,643 |
| Retained earnings to average equity (ytd only) | -38.4816% | 7,627 |
| Net charge-offs to loans | 2.2412% | 760 |
| Credit loss provision to net charge-offs | 30.5139% | 4,804 |
| Earnings coverage of net charge-offs (x) | -0.9775% | 5,379 |
| Efficiency ratio | 195.2033% | 99 |
| Assets per employee ($millions) | 4.8295% | 2,464 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.1518% | 327 |
| Loan loss allowance to noncurrent loans | 28.3396% | 6,506 |
| Noncurrent assets plus other real estate owned to assets | 12.8692% | 213 |
| Noncurrent loans to loans | 14.6503% | 194 |
| Net loans and leases to total assets | 65.1245% | 4,081 |
| Net loans and leases to deposits | 78.2528% | 3,994 |
| Net loans and leases to core deposits | 87.3812% | 3,695 |
| Total domestic deposits to total assets | 83.2232% | 4,514 |
| Equity capital to assets | 4.8841% | 7,728 |
| Core capital (leverage) ratio | 4.6571% | 7,730 |
| Tier 1 risk-based capital ratio | 6.2441% | 7,738 |
| Total risk-based capital ratio | 7.5252% | 7,739 |
| Memoranda: |
| Average total assets | $247,898,500 | 2,677 |
| Average earning assets | $219,637,500 | 2,743 |
| Average equity | $12,276,000 | 4,641 |
| Average total loans | $166,696,500 | 2,664 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5758% | 3,726 |
| Cost of funding earning assets | 2.7699% | 484 |
| Net interest margin | 2.8059% | 7,051 |
| Noninterest income to average assets | -0.3571% | 7,906 |
| Noninterest expense to average assets | 2.9221% | 4,454 |
| Loan and lease loss provision to assets | 3.8102% | 376 |
| Net operating income to assets | -4.7574% | 7,709 |
| Return on assets (ROA) | -4.6550% | 7,694 |
| Pretax return on assets | -4.4711% | 7,636 |
| Return on Equity (ROE) | -61.5840% | 7,764 |
| Retained earnings to average equity (ytd only) | -61.5840% | 7,761 |
| Net charge-offs to loans | 3.8361% | 447 |
| Credit loss provision to net charge-offs | 137.1907% | 3,591 |
| Earnings coverage of net charge-offs (x) | -0.2748% | 6,519 |
| Efficiency ratio | 135.3537% | 422 |
| Assets per employee ($millions) | 5.2984% | 1,837 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.4064% | 271 |
| Loan loss allowance to noncurrent loans | 32.7337% | 6,271 |
| Noncurrent assets plus other real estate owned to assets | 12.1500% | 246 |
| Noncurrent loans to loans | 13.4614% | 222 |
| Net loans and leases to total assets | 63.6440% | 4,669 |
| Net loans and leases to deposits | 78.4270% | 4,290 |
| Net loans and leases to core deposits | 112.0076% | 2,694 |
| Total domestic deposits to total assets | 81.1506% | 5,294 |
| Equity capital to assets | 5.0165% | 7,794 |
| Core capital (leverage) ratio | 4.6211% | 7,795 |
| Tier 1 risk-based capital ratio | 6.4252% | 7,794 |
| Total risk-based capital ratio | 7.7063% | 7,794 |
| Memoranda: |
| Average total assets | $288,118,400 | 2,289 |
| Average earning assets | $258,348,800 | 2,341 |
| Average equity | $21,778,400 | 2,975 |
| Average total loans | $208,598,800 | 2,217 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4711% | 4,573 |
| Cost of funding earning assets | 2.7878% | 613 |
| Net interest margin | 2.6833% | 7,240 |
| Noninterest income to average assets | 0.3143% | 5,965 |
| Noninterest expense to average assets | 3.0364% | 3,894 |
| Loan and lease loss provision to assets | 3.1201% | 459 |
| Net operating income to assets | -2.0050% | 7,319 |
| Return on assets (ROA) | -1.9201% | 7,285 |
| Pretax return on assets | -3.2967% | 7,574 |
| Return on Equity (ROE) | -23.6941% | 7,479 |
| Retained earnings to average equity (ytd only) | -23.6941% | 7,454 |
| Net charge-offs to loans | 2.9594% | 575 |
| Credit loss provision to net charge-offs | 143.1518% | 3,419 |
| Earnings coverage of net charge-offs (x) | -0.1419% | 6,231 |
| Efficiency ratio | 111.3419% | 744 |
| Assets per employee ($millions) | 5.6466% | 1,478 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.7798% | 338 |
| Loan loss allowance to noncurrent loans | 16.6098% | 7,263 |
| Noncurrent assets plus other real estate owned to assets | 18.3035% | 64 |
| Noncurrent loans to loans | 22.7564% | 44 |
| Net loans and leases to total assets | 60.5118% | 5,501 |
| Net loans and leases to deposits | 75.3012% | 5,159 |
| Net loans and leases to core deposits | 107.3161% | 3,557 |
| Total domestic deposits to total assets | 80.3596% | 5,308 |
| Equity capital to assets | 7.9498% | 6,895 |
| Core capital (leverage) ratio | 6.5872% | 7,636 |
| Tier 1 risk-based capital ratio | 9.6439% | 7,282 |
| Total risk-based capital ratio | 10.9198% | 7,218 |
| Memoranda: |
| Average total assets | $296,567,750 | 2,251 |
| Average earning assets | $266,681,250 | 2,279 |
| Average equity | $24,033,500 | 2,752 |
| Average total loans | $218,418,250 | 2,140 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5896% | 4,128 |
| Cost of funding earning assets | 2.8082% | 771 |
| Net interest margin | 2.7813% | 7,050 |
| Noninterest income to average assets | 0.2968% | 6,138 |
| Noninterest expense to average assets | 3.1326% | 3,572 |
| Loan and lease loss provision to assets | 3.8833% | 333 |
| Net operating income to assets | -2.6219% | 7,596 |
| Return on assets (ROA) | -2.4974% | 7,549 |
| Pretax return on assets | -4.0014% | 7,751 |
| Return on Equity (ROE) | -30.6402% | 7,718 |
| Retained earnings to average equity (ytd only) | -30.6402% | 7,690 |
| Net charge-offs to loans | 3.1849% | 508 |
| Credit loss provision to net charge-offs | 158.5083% | 2,904 |
| Earnings coverage of net charge-offs (x) | -0.1276% | 5,821 |
| Efficiency ratio | 111.0877% | 824 |
| Assets per employee ($millions) | 5.5807% | 1,516 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.0331% | 557 |
| Loan loss allowance to noncurrent loans | 17.3318% | 7,264 |
| Noncurrent assets plus other real estate owned to assets | 15.0450% | 97 |
| Noncurrent loans to loans | 17.5004% | 83 |
| Net loans and leases to total assets | 73.3473% | 2,875 |
| Net loans and leases to deposits | 92.0811% | 2,462 |
| Net loans and leases to core deposits | 117.8127% | 2,554 |
| Total domestic deposits to total assets | 79.6551% | 5,570 |
| Equity capital to assets | 7.7110% | 7,062 |
| Core capital (leverage) ratio | 6.7450% | 7,681 |
| Tier 1 risk-based capital ratio | 8.2194% | 7,891 |
| Total risk-based capital ratio | 9.4869% | 7,911 |
| Memoranda: |
| Average total assets | $303,195,330 | 2,237 |
| Average earning assets | $275,047,330 | 2,248 |
| Average equity | $24,712,670 | 2,667 |
| Average total loans | $233,223,000 | 2,060 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5688% | 4,531 |
| Cost of funding earning assets | 2.8814% | 806 |
| Net interest margin | 2.6874% | 7,230 |
| Noninterest income to average assets | 0.3294% | 5,810 |
| Noninterest expense to average assets | 2.6232% | 5,352 |
| Loan and lease loss provision to assets | 0.1292% | 5,303 |
| Net operating income to assets | 0.0172% | 6,215 |
| Return on assets (ROA) | 0.2725% | 5,569 |
| Pretax return on assets | 0.4094% | 5,367 |
| Return on Equity (ROE) | 3.2611% | 5,255 |
| Retained earnings to average equity (ytd only) | 3.2611% | 4,058 |
| Net charge-offs to loans | 0.1716% | 3,603 |
| Credit loss provision to net charge-offs | 97.0874% | 3,860 |
| Earnings coverage of net charge-offs (x) | 1.1845% | 4,158 |
| Efficiency ratio | 94.3335% | 1,412 |
| Assets per employee ($millions) | 5.5961% | 1,478 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8917% | 1,633 |
| Loan loss allowance to noncurrent loans | 14.4781% | 7,417 |
| Noncurrent assets plus other real estate owned to assets | 10.1389% | 220 |
| Noncurrent loans to loans | 13.0662% | 148 |
| Net loans and leases to total assets | 72.8707% | 3,037 |
| Net loans and leases to deposits | 91.0420% | 2,769 |
| Net loans and leases to core deposits | 112.2371% | 3,198 |
| Total domestic deposits to total assets | 80.0408% | 5,355 |
| Equity capital to assets | 8.1422% | 6,610 |
| Core capital (leverage) ratio | 7.9529% | 6,542 |
| Tier 1 risk-based capital ratio | 9.3190% | 7,568 |
| Total risk-based capital ratio | 10.5466% | 7,566 |
| Memoranda: |
| Average total assets | $309,695,000 | 2,217 |
| Average earning assets | $282,504,500 | 2,230 |
| Average equity | $25,880,500 | 2,579 |
| Average total loans | $240,080,000 | 2,025 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.1062% | 903 |
| Cost of funding earning assets | 2.9809% | 1,932 |
| Net interest margin | 4.1254% | 2,602 |
| Noninterest income to average assets | 0.2930% | 6,368 |
| Noninterest expense to average assets | 3.2785% | 3,042 |
| Loan and lease loss provision to assets | 2.4234% | 439 |
| Net operating income to assets | -0.9128% | 7,195 |
| Return on assets (ROA) | -0.9171% | 7,121 |
| Pretax return on assets | -1.6465% | 7,318 |
| Return on Equity (ROE) | -9.7891% | 7,266 |
| Retained earnings to average equity (ytd only) | -16.1891% | 7,526 |
| Net charge-offs to loans | 2.1959% | 471 |
| Credit loss provision to net charge-offs | 132.5118% | 4,020 |
| Earnings coverage of net charge-offs (x) | 0.4284% | 5,977 |
| Efficiency ratio | 80.7115% | 2,500 |
| Assets per employee ($millions) | 4.5517% | 2,535 |
| Cash dividends to net income (ytd only)* | -65.3777% | 8,090 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8439% | 1,541 |
| Loan loss allowance to noncurrent loans | 16.2754% | 7,357 |
| Noncurrent assets plus other real estate owned to assets | 9.2291% | 205 |
| Noncurrent loans to loans | 11.3294% | 156 |
| Net loans and leases to total assets | 79.4747% | 1,779 |
| Net loans and leases to deposits | 100.7860% | 1,743 |
| Net loans and leases to core deposits | 121.0485% | 2,597 |
| Total domestic deposits to total assets | 78.8549% | 5,432 |
| Equity capital to assets | 8.5846% | 5,959 |
| Core capital (leverage) ratio | 8.1588% | 6,241 |
| Tier 1 risk-based capital ratio | 9.0356% | 7,757 |
| Total risk-based capital ratio | 10.2639% | 7,764 |
| Memoranda: |
| Average total assets | $301,725,200 | 2,195 |
| Average earning assets | $275,659,600 | 2,197 |
| Average equity | $28,266,000 | 2,392 |
| Average total loans | $251,283,400 | 1,899 |
