| 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 | 4.0079% | 4,087 |
| Cost of funding earning assets | 0.1777% | 6,685 |
| Net interest margin | 3.8303% | 2,347 |
| Noninterest income to average assets | -0.1289% | 6,927 |
| Noninterest expense to average assets | 5.9056% | 216 |
| Loan and lease loss provision to assets | 1.5648% | 89 |
| Net operating income to assets | -4.2525% | 6,985 |
| Return on assets (ROA) | -3.9609% | 6,983 |
| Pretax return on assets | -3.9609% | 6,982 |
| Return on Equity (ROE) | -103.9102% | 7,004 |
| Retained earnings to average equity (ytd only) | -103.9102% | 7,002 |
| Net charge-offs to loans | 3.8736% | 72 |
| Credit loss provision to net charge-offs | 63.6294% | 2,378 |
| Earnings coverage of net charge-offs (x) | -1.0929% | 3,973 |
| Efficiency ratio | 178.4089% | 51 |
| Assets per employee ($millions) | 3.3062% | 5,415 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) |
| Loss allowance to loans | 6.9563% | 40 |
| Loan loss allowance to noncurrent loans | 31.1670% | 5,985 |
| Noncurrent assets plus other real estate owned to assets | 19.3558% | 29 |
| Noncurrent loans to loans | 22.3195% | 15 |
| Net loans and leases to total assets | 59.5640% | 3,505 |
| Net loans and leases to deposits | 63.0538% | 4,415 |
| Net loans and leases to core deposits | 64.7327% | 4,676 |
| Total domestic deposits to total assets | 94.4653% | 55 |
| Equity capital to assets | 3.3978% | 6,962 |
| Core capital (leverage) ratio | 2.0782% | 7,002 |
| Tier 1 risk-based capital ratio | 3.4106% | 6,991 |
| Total risk-based capital ratio | 4.7548% | 6,990 |
| Memoranda: |
| Average total assets | $639,052,500 | 1,068 |
| Average earning assets | $558,394,500 | 1,106 |
| Average equity | $24,359,500 | 2,770 |
| Average total loans | $405,720,000 | 1,046 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1517% | 4,762 |
| Cost of funding earning assets | 0.3695% | 6,111 |
| Net interest margin | 3.7822% | 3,307 |
| Noninterest income to average assets | 0.2527% | 5,657 |
| Noninterest expense to average assets | 4.6738% | 489 |
| Loan and lease loss provision to assets | 2.8900% | 43 |
| Net operating income to assets | -7.8010% | 7,077 |
| Return on assets (ROA) | -7.5760% | 7,076 |
| Pretax return on assets | -3.8314% | 7,044 |
| Return on Equity (ROE) | -94.4278% | 7,069 |
| Retained earnings to average equity (ytd only) | -94.4278% | 7,069 |
| Net charge-offs to loans | 5.8016% | 23 |
| Credit loss provision to net charge-offs | 79.8337% | 3,839 |
| Earnings coverage of net charge-offs (x) | -0.3222% | 5,619 |
| Efficiency ratio | 129.2781% | 160 |
| Assets per employee ($millions) | 3.3158% | 5,390 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) |
| Loss allowance to loans | 7.0389% | 44 |
| Loan loss allowance to noncurrent loans | 33.6536% | 5,914 |
| Noncurrent assets plus other real estate owned to assets | 18.5049% | 36 |
| Noncurrent loans to loans | 20.9159% | 21 |
| Net loans and leases to total assets | 58.5529% | 3,871 |
| Net loans and leases to deposits | 63.0197% | 4,659 |
| Net loans and leases to core deposits | 64.8552% | 4,856 |
| Total domestic deposits to total assets | 92.9120% | 142 |
| Equity capital to assets | 4.2037% | 6,989 |
| Core capital (leverage) ratio | 2.8186% | 7,035 |
| Tier 1 risk-based capital ratio | 4.7925% | 7,025 |
| Total risk-based capital ratio | 6.1349% | 7,023 |
| Memoranda: |
| Average total assets | $753,950,400 | 885 |
| Average earning assets | $648,772,000 | 926 |
| Average equity | $60,489,600 | 1,180 |
| Average total loans | $470,441,200 | 871 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1494% | 4,989 |
| Cost of funding earning assets | 0.4037% | 6,095 |
| Net interest margin | 3.7457% | 3,576 |
| Noninterest income to average assets | 0.2643% | 5,663 |
| Noninterest expense to average assets | 4.4747% | 551 |
| Loan and lease loss provision to assets | 2.9977% | 40 |
| Net operating income to assets | -2.5934% | 7,094 |
| Return on assets (ROA) | -2.5172% | 7,094 |
| Pretax return on assets | -3.8784% | 7,137 |
| Return on Equity (ROE) | -28.5124% | 7,055 |
| Retained earnings to average equity (ytd only) | -28.5124% | 7,046 |
| Net charge-offs to loans | 5.3544% | 31 |
| Credit loss provision to net charge-offs | 89.9044% | 3,300 |
| Earnings coverage of net charge-offs (x) | -0.2993% | 5,446 |
| Efficiency ratio | 124.8078% | 170 |
| Assets per employee ($millions) | 3.6272% | 4,705 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) |
| Loss allowance to loans | 7.3630% | 36 |
| Loan loss allowance to noncurrent loans | 34.7039% | 5,908 |
| Noncurrent assets plus other real estate owned to assets | 16.9034% | 66 |
| Noncurrent loans to loans | 21.2165% | 33 |
| Net loans and leases to total assets | 55.7840% | 4,491 |
| Net loans and leases to deposits | 62.9583% | 4,848 |
| Net loans and leases to core deposits | 65.8408% | 4,966 |
| Total domestic deposits to total assets | 88.6048% | 1,655 |
| Equity capital to assets | 9.1014% | 5,706 |
| Core capital (leverage) ratio | 3.1150% | 7,125 |
| Tier 1 risk-based capital ratio | 5.2127% | 7,109 |
| Total risk-based capital ratio | 6.5576% | 7,108 |
| Memoranda: |
| Average total assets | $778,304,250 | 860 |
| Average earning assets | $667,515,750 | 910 |
| Average equity | $68,712,250 | 1,031 |
| Average total loans | $484,669,500 | 858 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1604% | 5,084 |
| Cost of funding earning assets | 0.4358% | 6,063 |
| Net interest margin | 3.7247% | 3,705 |
| Noninterest income to average assets | 0.2749% | 5,612 |
| Noninterest expense to average assets | 4.4163% | 595 |
| Loan and lease loss provision to assets | 3.2914% | 45 |
| Net operating income to assets | -2.7400% | 7,136 |
| Return on assets (ROA) | -2.6301% | 7,139 |
| Pretax return on assets | -4.0487% | 7,191 |
| Return on Equity (ROE) | -30.0788% | 7,103 |
| Retained earnings to average equity (ytd only) | -30.0788% | 7,091 |
| Net charge-offs to loans | 5.7332% | 42 |
| Credit loss provision to net charge-offs | 91.2584% | 3,003 |
| Earnings coverage of net charge-offs (x) | -0.2569% | 5,177 |
| Efficiency ratio | 122.7414% | 208 |
| Assets per employee ($millions) | 3.7810% | 4,365 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) |
| Loss allowance to loans | 7.1760% | 44 |
| Loan loss allowance to noncurrent loans | 32.0407% | 6,062 |
| Noncurrent assets plus other real estate owned to assets | 16.7116% | 73 |
| Noncurrent loans to loans | 22.3966% | 30 |
| Net loans and leases to total assets | 55.4073% | 4,562 |
| Net loans and leases to deposits | 62.2524% | 4,967 |
| Net loans and leases to core deposits | 66.0328% | 4,999 |
| Total domestic deposits to total assets | 89.0043% | 1,503 |
| Equity capital to assets | 8.4651% | 6,246 |
| Core capital (leverage) ratio | 3.1082% | 7,171 |
| Tier 1 risk-based capital ratio | 5.2770% | 7,156 |
| Total risk-based capital ratio | 6.6208% | 7,155 |
| Memoranda: |
| Average total assets | $792,299,670 | 838 |
| Average earning assets | $683,870,670 | 892 |
| Average equity | $69,278,000 | 1,013 |
| Average total loans | $498,427,670 | 832 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3591% | 4,481 |
| Cost of funding earning assets | 0.4560% | 6,113 |
| Net interest margin | 3.9032% | 2,904 |
| Noninterest income to average assets | 0.4330% | 4,431 |
| Noninterest expense to average assets | 4.2983% | 664 |
| Loan and lease loss provision to assets | 4.1246% | 30 |
| Net operating income to assets | -2.9868% | 7,221 |
| Return on assets (ROA) | -2.8160% | 7,213 |
| Pretax return on assets | -4.3459% | 7,258 |
| Return on Equity (ROE) | -31.7125% | 7,174 |
| Retained earnings to average equity (ytd only) | -31.7125% | 7,146 |
| Net charge-offs to loans | 4.6322% | 113 |
| Credit loss provision to net charge-offs | 138.0992% | 1,781 |
| Earnings coverage of net charge-offs (x) | -0.1621% | 4,422 |
| Efficiency ratio | 109.2401% | 350 |
| Assets per employee ($millions) | 3.7620% | 4,512 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) |
| Loss allowance to loans | 7.6219% | 40 |
| Loan loss allowance to noncurrent loans | 35.8471% | 5,858 |
| Noncurrent assets plus other real estate owned to assets | 16.1415% | 89 |
| Noncurrent loans to loans | 21.2622% | 39 |
| Net loans and leases to total assets | 56.0551% | 4,375 |
| Net loans and leases to deposits | 63.0363% | 4,767 |
| Net loans and leases to core deposits | 66.7415% | 4,828 |
| Total domestic deposits to total assets | 88.9251% | 1,745 |
| Equity capital to assets | 8.8804% | 5,659 |
| Core capital (leverage) ratio | 4.0315% | 7,174 |
| Tier 1 risk-based capital ratio | 6.8032% | 7,143 |
| Total risk-based capital ratio | 8.1523% | 7,141 |
| Memoranda: |
| Average total assets | $799,005,500 | 826 |
| Average earning assets | $692,153,500 | 877 |
| Average equity | $70,950,000 | 986 |
| Average total loans | $515,179,500 | 805 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2405% | 1,909 |
| Cost of funding earning assets | 0.5556% | 6,311 |
| Net interest margin | 4.6849% | 776 |
| Noninterest income to average assets | -0.4339% | 7,247 |
| Noninterest expense to average assets | 4.0445% | 967 |
| Loan and lease loss provision to assets | 5.2954% | 15 |
| Net operating income to assets | -3.7079% | 7,238 |
| Return on assets (ROA) | -3.6212% | 7,235 |
| Pretax return on assets | -5.5875% | 7,319 |
| Return on Equity (ROE) | -37.9539% | 7,149 |
| Retained earnings to average equity (ytd only) | -37.9539% | 7,144 |
| Net charge-offs to loans | 4.1230% | 142 |
| Credit loss provision to net charge-offs | 165.7401% | 1,637 |
| Earnings coverage of net charge-offs (x) | -0.1331% | 5,912 |
| Efficiency ratio | 108.1798% | 470 |
| Assets per employee ($millions) | 3.7405% | 4,461 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) |
| Loss allowance to loans | 6.3344% | 72 |
| Loan loss allowance to noncurrent loans | 37.0182% | 5,776 |
| Noncurrent assets plus other real estate owned to assets | 14.3155% | 143 |
| Noncurrent loans to loans | 17.1117% | 86 |
| Net loans and leases to total assets | 63.9373% | 3,203 |
| Net loans and leases to deposits | 71.9015% | 3,811 |
| Net loans and leases to core deposits | 76.3404% | 3,934 |
| Total domestic deposits to total assets | 88.9234% | 1,598 |
| Equity capital to assets | 8.8792% | 5,698 |
| Core capital (leverage) ratio | 4.3884% | 7,184 |
| Tier 1 risk-based capital ratio | 6.7337% | 7,173 |
| Total risk-based capital ratio | 8.0650% | 7,170 |
| Memoranda: |
| Average total assets | $814,087,600 | 803 |
| Average earning assets | $704,282,800 | 851 |
| Average equity | $77,673,200 | 865 |
| Average total loans | $630,855,000 | 656 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3751% | 1,590 |
| Cost of funding earning assets | 0.5651% | 6,450 |
| Net interest margin | 4.8100% | 611 |
| Noninterest income to average assets | -0.5299% | 7,358 |
| Noninterest expense to average assets | 4.1596% | 830 |
| Loan and lease loss provision to assets | 6.0276% | 15 |
| Net operating income to assets | -4.2830% | 7,349 |
| Return on assets (ROA) | -4.1683% | 7,342 |
| Pretax return on assets | -6.3841% | 7,403 |
| Return on Equity (ROE) | -42.9576% | 7,268 |
| Retained earnings to average equity (ytd only) | -42.9576% | 7,262 |
| Net charge-offs to loans | 3.4367% | 236 |
| Credit loss provision to net charge-offs | 219.9167% | 1,298 |
| Earnings coverage of net charge-offs (x) | -0.1945% | 5,716 |
| Efficiency ratio | 111.1441% | 411 |
| Assets per employee ($millions) | 3.7838% | 4,341 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) |
| Loss allowance to loans | 6.2664% | 74 |
| Loan loss allowance to noncurrent loans | 38.1787% | 5,742 |
| Noncurrent assets plus other real estate owned to assets | 14.7960% | 137 |
| Noncurrent loans to loans | 16.4135% | 110 |
| Net loans and leases to total assets | 69.2562% | 2,229 |
| Net loans and leases to deposits | 78.5508% | 2,882 |
| Net loans and leases to core deposits | 83.6223% | 3,109 |
| Total domestic deposits to total assets | 88.1674% | 1,945 |
| Equity capital to assets | 9.2160% | 5,488 |
| Core capital (leverage) ratio | 5.1812% | 7,215 |
| Tier 1 risk-based capital ratio | 7.3383% | 7,222 |
| Total risk-based capital ratio | 8.6676% | 7,222 |
| Memoranda: |
| Average total assets | $817,492,250 | 806 |
| Average earning assets | $706,429,750 | 854 |
| Average equity | $79,322,750 | 853 |
| Average total loans | $651,966,250 | 639 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4695% | 1,365 |
| Cost of funding earning assets | 0.5753% | 6,559 |
| Net interest margin | 4.8942% | 497 |
| Noninterest income to average assets | -0.9252% | 7,472 |
| Noninterest expense to average assets | 4.1667% | 858 |
| Loan and lease loss provision to assets | 7.6347% | 8 |
| Net operating income to assets | -5.5426% | 7,455 |
| Return on assets (ROA) | -5.5402% | 7,455 |
| Pretax return on assets | -8.4778% | 7,494 |
| Return on Equity (ROE) | -56.1626% | 7,359 |
| Retained earnings to average equity (ytd only) | -56.1626% | 7,356 |
| Net charge-offs to loans | 3.7379% | 232 |
| Credit loss provision to net charge-offs | 250.0160% | 1,206 |
| Earnings coverage of net charge-offs (x) | -0.2773% | 5,441 |
| Efficiency ratio | 121.6377% | 331 |
| Assets per employee ($millions) | 3.6368% | 4,595 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) |
| Loss allowance to loans | 5.6910% | 126 |
| Loan loss allowance to noncurrent loans | 35.1158% | 5,964 |
| Noncurrent assets plus other real estate owned to assets | 15.5763% | 133 |
| Noncurrent loans to loans | 16.2065% | 111 |
| Net loans and leases to total assets | 76.1563% | 1,055 |
| Net loans and leases to deposits | 86.7137% | 1,689 |
| Net loans and leases to core deposits | 92.3933% | 2,085 |
| Total domestic deposits to total assets | 87.8251% | 2,263 |
| Equity capital to assets | 9.8915% | 4,281 |
| Core capital (leverage) ratio | 5.7920% | 7,227 |
| Tier 1 risk-based capital ratio | 7.7169% | 7,264 |
| Total risk-based capital ratio | 9.0379% | 7,263 |
| Memoranda: |
| Average total assets | $818,818,670 | 816 |
| Average earning assets | $710,232,670 | 858 |
| Average equity | $80,772,670 | 832 |
| Average total loans | $668,930,330 | 632 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5621% | 1,147 |
| Cost of funding earning assets | 0.5956% | 6,626 |
| Net interest margin | 4.9665% | 406 |
| Noninterest income to average assets | -2.2835% | 7,561 |
| Noninterest expense to average assets | 4.1994% | 818 |
| Loan and lease loss provision to assets | 14.1410% | 2 |
| Net operating income to assets | -10.6470% | 7,561 |
| Return on assets (ROA) | -10.6464% | 7,561 |
| Pretax return on assets | -16.2776% | 7,569 |
| Return on Equity (ROE) | -108.0655% | 7,501 |
| Retained earnings to average equity (ytd only) | -108.0655% | 7,496 |
| Net charge-offs to loans | 3.2806% | 315 |
| Credit loss provision to net charge-offs | 524.7685% | 689 |
| Earnings coverage of net charge-offs (x) | -0.7933% | 4,866 |
| Efficiency ratio | 197.5564% | 70 |
| Assets per employee ($millions) | 3.6719% | 4,601 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 6.1240% | 92 |
| Loan loss allowance to noncurrent loans | 58.9462% | 4,470 |
| Noncurrent assets plus other real estate owned to assets | 10.4396% | 379 |
| Noncurrent loans to loans | 10.3891% | 372 |
| Net loans and leases to total assets | 78.1469% | 711 |
| Net loans and leases to deposits | 89.5607% | 1,286 |
| Net loans and leases to core deposits | 96.9401% | 1,598 |
| Total domestic deposits to total assets | 87.2558% | 2,795 |
| Equity capital to assets | 9.1299% | 4,986 |
| Core capital (leverage) ratio | 5.0563% | 7,358 |
| Tier 1 risk-based capital ratio | 6.7913% | 7,383 |
| Total risk-based capital ratio | 8.1117% | 7,383 |
| Memoranda: |
| Average total assets | $833,635,000 | 804 |
| Average earning assets | $729,365,500 | 839 |
| Average equity | $82,128,000 | 808 |
| Average total loans | $684,754,000 | 625 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6374% | 1,778 |
| Cost of funding earning assets | 0.7921% | 6,601 |
| Net interest margin | 4.8453% | 616 |
| Noninterest income to average assets | -0.4679% | 7,561 |
| Noninterest expense to average assets | 7.1855% | 149 |
| Loan and lease loss provision to assets | 2.3413% | 505 |
| Net operating income to assets | -5.1493% | 7,542 |
| Return on assets (ROA) | -5.1082% | 7,549 |
| Pretax return on assets | -5.8087% | 7,578 |
| Return on Equity (ROE) | -38.4514% | 7,330 |
| Retained earnings to average equity (ytd only) | -38.4514% | 7,322 |
| Net charge-offs to loans | 1.7528% | 1,221 |
| Credit loss provision to net charge-offs | 174.7319% | 1,917 |
| Earnings coverage of net charge-offs (x) | -2.6227% | 6,732 |
| Efficiency ratio | 80.4672% | 2,352 |
| Assets per employee ($millions) | 4.1895% | 3,404 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.7778% | 1,085 |
| Loan loss allowance to noncurrent loans | 35.1272% | 5,975 |
| Noncurrent assets plus other real estate owned to assets | 8.6740% | 532 |
| Noncurrent loans to loans | 7.9080% | 663 |
| Net loans and leases to total assets | 75.9038% | 1,292 |
| Net loans and leases to deposits | 84.9541% | 2,290 |
| Net loans and leases to core deposits | 94.5810% | 2,185 |
| Total domestic deposits to total assets | 89.3468% | 1,470 |
| Equity capital to assets | 10.0340% | 3,706 |
| Core capital (leverage) ratio | 9.0337% | 4,482 |
| Tier 1 risk-based capital ratio | 11.5781% | 5,844 |
| Total risk-based capital ratio | 12.8508% | 5,830 |
| Memoranda: |
| Average total assets | $222,699,000 | 2,832 |
| Average earning assets | $190,248,000 | 3,001 |
| Average equity | $29,585,400 | 2,203 |
| Average total loans | $170,237,800 | 2,471 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.8055% | 1,381 |
| Cost of funding earning assets | 0.8511% | 6,575 |
| Net interest margin | 4.9544% | 480 |
| Noninterest income to average assets | -0.4737% | 7,675 |
| Noninterest expense to average assets | 3.1214% | 3,234 |
| Loan and lease loss provision to assets | 2.0648% | 567 |
| Net operating income to assets | -0.8548% | 6,818 |
| Return on assets (ROA) | -0.8159% | 6,836 |
| Pretax return on assets | -1.4129% | 7,020 |
| Return on Equity (ROE) | -5.8119% | 6,704 |
| Retained earnings to average equity (ytd only) | -5.8119% | 6,616 |
| Net charge-offs to loans | 0.7360% | 2,581 |
| Credit loss provision to net charge-offs | 368.8093% | 840 |
| Earnings coverage of net charge-offs (x) | 1.0559% | 5,001 |
| Efficiency ratio | 80.8835% | 2,232 |
| Assets per employee ($millions) | 4.3580% | 3,154 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.8994% | 908 |
| Loan loss allowance to noncurrent loans | 30.6534% | 6,299 |
| Noncurrent assets plus other real estate owned to assets | 10.6185% | 354 |
| Noncurrent loans to loans | 9.4586% | 479 |
| Net loans and leases to total assets | 74.7717% | 1,624 |
| Net loans and leases to deposits | 88.9219% | 1,868 |
| Net loans and leases to core deposits | 99.3900% | 1,902 |
| Total domestic deposits to total assets | 84.0869% | 4,076 |
| Equity capital to assets | 14.3124% | 1,080 |
| Core capital (leverage) ratio | 9.4428% | 3,998 |
| Tier 1 risk-based capital ratio | 11.9137% | 5,540 |
| Total risk-based capital ratio | 13.1842% | 5,498 |
| Memoranda: |
| Average total assets | $226,004,500 | 2,840 |
| Average earning assets | $190,962,500 | 3,023 |
| Average equity | $31,727,000 | 2,086 |
| Average total loans | $171,911,250 | 2,488 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.9300% | 1,107 |
| Cost of funding earning assets | 0.9051% | 6,558 |
| Net interest margin | 5.0250% | 399 |
| Noninterest income to average assets | -0.2851% | 7,711 |
| Noninterest expense to average assets | 3.2435% | 2,748 |
| Loan and lease loss provision to assets | 2.0113% | 611 |
| Net operating income to assets | -0.7812% | 6,856 |
| Return on assets (ROA) | -0.7800% | 6,870 |
| Pretax return on assets | -1.2995% | 7,008 |
| Return on Equity (ROE) | -5.5912% | 6,750 |
| Retained earnings to average equity (ytd only) | -5.5912% | 6,622 |
| Net charge-offs to loans | 0.5852% | 2,775 |
| Credit loss provision to net charge-offs | 453.6489% | 803 |
| Earnings coverage of net charge-offs (x) | 1.6016% | 4,293 |
| Efficiency ratio | 79.0754% | 2,563 |
| Assets per employee ($millions) | 4.2769% | 3,259 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4037% | 1,430 |
| Loan loss allowance to noncurrent loans | 36.0896% | 5,955 |
| Noncurrent assets plus other real estate owned to assets | 8.2194% | 587 |
| Noncurrent loans to loans | 6.6605% | 884 |
| Net loans and leases to total assets | 74.9784% | 1,701 |
| Net loans and leases to deposits | 89.4175% | 1,942 |
| Net loans and leases to core deposits | 99.0973% | 2,112 |
| Total domestic deposits to total assets | 83.8521% | 4,174 |
| Equity capital to assets | 14.2257% | 1,098 |
| Core capital (leverage) ratio | 9.5093% | 3,810 |
| Tier 1 risk-based capital ratio | 10.8909% | 6,358 |
| Total risk-based capital ratio | 12.1521% | 6,330 |
| Memoranda: |
| Average total assets | $228,705,330 | 2,830 |
| Average earning assets | $192,917,330 | 3,033 |
| Average equity | $31,907,000 | 2,067 |
| Average total loans | $173,283,670 | 2,498 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.0309% | 919 |
| Cost of funding earning assets | 0.9377% | 6,625 |
| Net interest margin | 5.0931% | 348 |
| Noninterest income to average assets | -1.0386% | 7,900 |
| Noninterest expense to average assets | 3.3262% | 2,446 |
| Loan and lease loss provision to assets | 3.1053% | 315 |
| Net operating income to assets | -1.9615% | 7,456 |
| Return on assets (ROA) | -1.9615% | 7,456 |
| Pretax return on assets | -3.1692% | 7,612 |
| Return on Equity (ROE) | -14.1941% | 7,297 |
| Retained earnings to average equity (ytd only) | -14.1941% | 7,180 |
| Net charge-offs to loans | 0.6235% | 2,263 |
| Credit loss provision to net charge-offs | 661.7647% | 664 |
| Earnings coverage of net charge-offs (x) | -0.1360% | 5,125 |
| Efficiency ratio | 98.4135% | 904 |
| Assets per employee ($millions) | 4.5831% | 2,833 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2067% | 1,738 |
| Loan loss allowance to noncurrent loans | 36.5418% | 5,935 |
| Noncurrent assets plus other real estate owned to assets | 7.4643% | 684 |
| Noncurrent loans to loans | 6.0389% | 1,086 |
| Net loans and leases to total assets | 72.8432% | 2,248 |
| Net loans and leases to deposits | 87.3439% | 2,345 |
| Net loans and leases to core deposits | 96.8895% | 2,473 |
| Total domestic deposits to total assets | 83.3981% | 4,428 |
| Equity capital to assets | 13.5035% | 1,327 |
| Core capital (leverage) ratio | 9.1421% | 4,310 |
| Tier 1 risk-based capital ratio | 10.8231% | 6,322 |
| Total risk-based capital ratio | 12.0833% | 6,292 |
| Memoranda: |
| Average total assets | $231,858,000 | 2,856 |
| Average earning assets | $195,792,500 | 3,050 |
| Average equity | $32,041,500 | 2,086 |
| Average total loans | $174,496,000 | 2,549 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.4786% | 704 |
| Cost of funding earning assets | 1.4683% | 5,643 |
| Net interest margin | 5.0103% | 439 |
| Noninterest income to average assets | 0.5688% | 3,874 |
| Noninterest expense to average assets | 2.8343% | 4,818 |
| Loan and lease loss provision to assets | 1.6498% | 1,387 |
| Net operating income to assets | 0.3693% | 4,254 |
| Return on assets (ROA) | 0.3700% | 4,351 |
| Pretax return on assets | 0.4398% | 4,373 |
| Return on Equity (ROE) | 2.7153% | 4,621 |
| Retained earnings to average equity (ytd only) | 2.7153% | 3,257 |
| Net charge-offs to loans | 1.9791% | 1,244 |
| Credit loss provision to net charge-offs | 108.8177% | 5,082 |
| Earnings coverage of net charge-offs (x) | 1.3777% | 4,758 |
| Efficiency ratio | 55.1933% | 7,109 |
| Assets per employee ($millions) | 4.4226% | 3,064 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3231% | 4,627 |
| Loan loss allowance to noncurrent loans | 33.1281% | 6,235 |
| Noncurrent assets plus other real estate owned to assets | 6.7911% | 764 |
| Noncurrent loans to loans | 3.9940% | 1,856 |
| Net loans and leases to total assets | 75.0392% | 2,018 |
| Net loans and leases to deposits | 93.2147% | 1,708 |
| Net loans and leases to core deposits | 105.2602% | 3,423 |
| Total domestic deposits to total assets | 80.5015% | 5,515 |
| Equity capital to assets | 14.1405% | 1,124 |
| Core capital (leverage) ratio | 9.3365% | 3,922 |
| Tier 1 risk-based capital ratio | 11.1293% | 5,799 |
| Total risk-based capital ratio | 12.3563% | 5,773 |
| Memoranda: |
| Average total assets | $234,870,200 | 2,771 |
| Average earning assets | $204,118,200 | 2,919 |
| Average equity | $32,004,000 | 2,091 |
| Average total loans | $179,927,200 | 2,512 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.4898% | 761 |
| Cost of funding earning assets | 1.5772% | 5,504 |
| Net interest margin | 4.9125% | 537 |
| Noninterest income to average assets | 0.5862% | 3,807 |
| Noninterest expense to average assets | 2.7559% | 5,081 |
| Loan and lease loss provision to assets | 1.0820% | 1,804 |
| Net operating income to assets | 0.7601% | 2,985 |
| Return on assets (ROA) | 0.7601% | 3,046 |
| Pretax return on assets | 1.0453% | 2,753 |
| Return on Equity (ROE) | 5.6302% | 3,681 |
| Retained earnings to average equity (ytd only) | 5.6302% | 2,140 |
| Net charge-offs to loans | 0.6380% | 2,769 |
| Credit loss provision to net charge-offs | 220.9919% | 1,983 |
| Earnings coverage of net charge-offs (x) | 4.3449% | 3,170 |
| Efficiency ratio | 53.3480% | 7,302 |
| Assets per employee ($millions) | 4.4636% | 2,921 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6902% | 2,669 |
| Loan loss allowance to noncurrent loans | 37.1241% | 5,904 |
| Noncurrent assets plus other real estate owned to assets | 7.7623% | 566 |
| Noncurrent loans to loans | 4.5528% | 1,526 |
| Net loans and leases to total assets | 73.5761% | 2,653 |
| Net loans and leases to deposits | 100.9506% | 1,017 |
| Net loans and leases to core deposits | 115.0232% | 2,723 |
| Total domestic deposits to total assets | 72.8833% | 7,097 |
| Equity capital to assets | 13.6635% | 1,427 |
| Core capital (leverage) ratio | 9.4650% | 3,958 |
| Tier 1 risk-based capital ratio | 10.9857% | 5,965 |
| Total risk-based capital ratio | 12.2395% | 5,931 |
| Memoranda: |
| Average total assets | $236,093,500 | 2,768 |
| Average earning assets | $206,515,000 | 2,900 |
| Average equity | $31,875,000 | 2,121 |
| Average total loans | $181,187,250 | 2,527 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.5439% | 740 |
| Cost of funding earning assets | 1.7044% | 5,251 |
| Net interest margin | 4.8396% | 608 |
| Noninterest income to average assets | 0.6663% | 3,221 |
| Noninterest expense to average assets | 2.7870% | 5,014 |
| Loan and lease loss provision to assets | 0.8027% | 2,084 |
| Net operating income to assets | 0.9273% | 2,354 |
| Return on assets (ROA) | 0.9273% | 2,447 |
| Pretax return on assets | 1.3470% | 1,890 |
| Return on Equity (ROE) | 6.8968% | 3,253 |
| Retained earnings to average equity (ytd only) | 6.8968% | 1,624 |
| Net charge-offs to loans | 0.4034% | 3,182 |
| Credit loss provision to net charge-offs | 257.1038% | 1,815 |
| Earnings coverage of net charge-offs (x) | 6.8852% | 2,533 |
| Efficiency ratio | 52.4279% | 7,479 |
| Assets per employee ($millions) | 4.3074% | 3,103 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4467% | 3,486 |
| Loan loss allowance to noncurrent loans | 21.3463% | 7,051 |
| Noncurrent assets plus other real estate owned to assets | 8.9790% | 379 |
| Noncurrent loans to loans | 6.7772% | 746 |
| Net loans and leases to total assets | 74.0453% | 2,683 |
| Net loans and leases to deposits | 96.1917% | 1,767 |
| Net loans and leases to core deposits | 109.8118% | 3,394 |
| Total domestic deposits to total assets | 76.9768% | 6,338 |
| Equity capital to assets | 13.6715% | 1,433 |
| Core capital (leverage) ratio | 9.1669% | 4,352 |
| Tier 1 risk-based capital ratio | 10.8137% | 6,068 |
| Total risk-based capital ratio | 12.0649% | 5,998 |
| Memoranda: |
| Average total assets | $234,446,000 | 2,810 |
| Average earning assets | $206,878,670 | 2,914 |
| Average equity | $31,522,000 | 2,145 |
| Average total loans | $181,451,670 | 2,556 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.4818% | 900 |
| Cost of funding earning assets | 1.7459% | 5,374 |
| Net interest margin | 4.7359% | 711 |
| Noninterest income to average assets | 0.9125% | 1,802 |
| Noninterest expense to average assets | 2.9741% | 3,880 |
| Loan and lease loss provision to assets | 0.4631% | 2,619 |
| Net operating income to assets | 1.1320% | 1,860 |
| Return on assets (ROA) | 1.1320% | 1,980 |
| Pretax return on assets | 1.6997% | 1,179 |
| Return on Equity (ROE) | 8.4919% | 2,931 |
| Retained earnings to average equity (ytd only) | 8.4919% | 1,635 |
| Net charge-offs to loans | 0.1026% | 4,150 |
| Credit loss provision to net charge-offs | 574.4681% | 985 |
| Earnings coverage of net charge-offs (x) | 26.8298% | 1,164 |
| Efficiency ratio | 53.4224% | 7,275 |
| Assets per employee ($millions) | 3.9899% | 3,678 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1990% | 4,813 |
| Loan loss allowance to noncurrent loans | 15.9802% | 7,360 |
| Noncurrent assets plus other real estate owned to assets | 6.2493% | 615 |
| Noncurrent loans to loans | 7.5033% | 501 |
| Net loans and leases to total assets | 77.8135% | 1,864 |
| Net loans and leases to deposits | 98.5389% | 1,592 |
| Net loans and leases to core deposits | 112.3903% | 3,179 |
| Total domestic deposits to total assets | 78.9672% | 5,741 |
| Equity capital to assets | 13.2525% | 1,639 |
| Core capital (leverage) ratio | 8.5298% | 5,472 |
| Tier 1 risk-based capital ratio | 10.5635% | 6,326 |
| Total risk-based capital ratio | 11.7951% | 6,257 |
| Memoranda: |
| Average total assets | $233,214,500 | 2,837 |
| Average earning assets | $208,028,000 | 2,910 |
| Average equity | $31,088,500 | 2,183 |
| Average total loans | $183,180,000 | 2,548 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.2400% | 675 |
| Cost of funding earning assets | 2.1202% | 5,965 |
| Net interest margin | 5.1198% | 386 |
| Noninterest income to average assets | 0.5067% | 4,569 |
| Noninterest expense to average assets | 2.6309% | 5,531 |
| Loan and lease loss provision to assets | 0.2555% | 4,358 |
| Net operating income to assets | 1.4348% | 1,157 |
| Return on assets (ROA) | 1.4367% | 1,110 |
| Pretax return on assets | 2.1972% | 403 |
| Return on Equity (ROE) | 10.9997% | 1,906 |
| Retained earnings to average equity (ytd only) | 2.4131% | 3,697 |
| Net charge-offs to loans | 0.1316% | 4,909 |
| Credit loss provision to net charge-offs | 262.6667% | 1,765 |
| Earnings coverage of net charge-offs (x) | 25.1822% | 1,344 |
| Efficiency ratio | 47.0003% | 7,874 |
| Assets per employee ($millions) | 3.9157% | 3,691 |
| Cash dividends to net income (ytd only)* | 78.0620% | 1,801 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1052% | 5,235 |
| Loan loss allowance to noncurrent loans | 15.6666% | 7,375 |
| Noncurrent assets plus other real estate owned to assets | 6.1963% | 463 |
| Noncurrent loans to loans | 7.0546% | 430 |
| Net loans and leases to total assets | 77.4639% | 2,272 |
| Net loans and leases to deposits | 98.2185% | 2,090 |
| Net loans and leases to core deposits | 110.8729% | 3,701 |
| Total domestic deposits to total assets | 78.8690% | 5,420 |
| Equity capital to assets | 13.4098% | 1,630 |
| Core capital (leverage) ratio | 8.4991% | 5,580 |
| Tier 1 risk-based capital ratio | 9.9083% | 6,839 |
| Total risk-based capital ratio | 10.9479% | 6,990 |
| Memoranda: |
| Average total assets | $231,291,000 | 2,750 |
| Average earning assets | $206,629,200 | 2,808 |
| Average equity | $30,209,800 | 2,247 |
| Average total loans | $170,947,600 | 2,600 |
