| 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 | 5.4168% | 1,464 |
| Cost of funding earning assets | 1.0876% | 3,063 |
| Net interest margin | 4.3292% | 1,614 |
| Noninterest income to average assets | 0.7249% | 2,452 |
| Noninterest expense to average assets | 2.1487% | 6,400 |
| Loan and lease loss provision to assets | 0.8450% | 1,084 |
| Net operating income to assets | 1.1317% | 1,871 |
| Return on assets (ROA) | 1.1337% | 1,988 |
| Pretax return on assets | 1.8100% | 943 |
| Return on Equity (ROE) | 8.4780% | 2,831 |
| Retained earnings to average equity (ytd only) | 8.4780% | 1,321 |
| Net charge-offs to loans | 1.2648% | 1,228 |
| Credit loss provision to net charge-offs | 89.0490% | 3,800 |
| Earnings coverage of net charge-offs (x) | 2.7947% | 3,735 |
| Efficiency ratio | 44.5431% | 7,129 |
| Assets per employee ($millions) | 7.9934% | 467 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.6097% | 1,253 |
| Loan loss allowance to noncurrent loans | 179.6193% | 1,706 |
| Noncurrent assets plus other real estate owned to assets | 1.2692% | 4,265 |
| Noncurrent loans to loans | 1.4529% | 4,118 |
| Net loans and leases to total assets | 74.3140% | 1,276 |
| Net loans and leases to deposits | 98.4802% | 552 |
| Net loans and leases to core deposits | 119.3638% | 406 |
| Total domestic deposits to total assets | 75.4608% | 6,592 |
| Equity capital to assets | 13.6881% | 1,289 |
| Core capital (leverage) ratio | 13.2599% | 1,123 |
| Tier 1 risk-based capital ratio | 16.4266% | 2,895 |
| Total risk-based capital ratio | 17.6970% | 2,854 |
| Memoranda: |
| Average total assets | $2,965,262,500 | 240 |
| Average earning assets | $2,791,617,250 | 231 |
| Average equity | $396,514,750 | 222 |
| Average total loans | $2,224,627,000 | 216 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3664% | 1,668 |
| Cost of funding earning assets | 1.1064% | 3,195 |
| Net interest margin | 4.2600% | 1,799 |
| Noninterest income to average assets | 0.8144% | 1,955 |
| Noninterest expense to average assets | 2.1672% | 6,463 |
| Loan and lease loss provision to assets | 1.0382% | 821 |
| Net operating income to assets | 0.9829% | 2,292 |
| Return on assets (ROA) | 0.9832% | 2,395 |
| Pretax return on assets | 1.6194% | 1,220 |
| Return on Equity (ROE) | 7.4123% | 3,234 |
| Retained earnings to average equity (ytd only) | 7.4123% | 1,694 |
| Net charge-offs to loans | 1.6305% | 895 |
| Credit loss provision to net charge-offs | 85.3678% | 3,609 |
| Earnings coverage of net charge-offs (x) | 2.1850% | 3,747 |
| Efficiency ratio | 44.7048% | 7,210 |
| Assets per employee ($millions) | 7.4866% | 576 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.6775% | 1,203 |
| Loan loss allowance to noncurrent loans | 142.9639% | 2,068 |
| Noncurrent assets plus other real estate owned to assets | 1.5570% | 3,856 |
| Noncurrent loans to loans | 1.8728% | 3,650 |
| Net loans and leases to total assets | 73.1903% | 1,558 |
| Net loans and leases to deposits | 96.8391% | 660 |
| Net loans and leases to core deposits | 116.0811% | 516 |
| Total domestic deposits to total assets | 75.5792% | 6,662 |
| Equity capital to assets | 13.4813% | 1,306 |
| Core capital (leverage) ratio | 13.0120% | 1,161 |
| Tier 1 risk-based capital ratio | 16.0623% | 2,948 |
| Total risk-based capital ratio | 17.3304% | 2,908 |
| Memoranda: |
| Average total assets | $2,949,179,000 | 242 |
| Average earning assets | $2,776,090,330 | 234 |
| Average equity | $391,188,670 | 221 |
| Average total loans | $2,199,679,330 | 222 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3665% | 1,683 |
| Cost of funding earning assets | 1.1331% | 3,281 |
| Net interest margin | 4.2335% | 1,797 |
| Noninterest income to average assets | 0.6012% | 3,156 |
| Noninterest expense to average assets | 2.1469% | 6,537 |
| Loan and lease loss provision to assets | 0.7156% | 1,183 |
| Net operating income to assets | 1.0198% | 2,110 |
| Return on assets (ROA) | 1.0198% | 2,161 |
| Pretax return on assets | 1.7288% | 930 |
| Return on Equity (ROE) | 7.7520% | 3,028 |
| Retained earnings to average equity (ytd only) | 7.7520% | 1,827 |
| Net charge-offs to loans | 0.7767% | 1,661 |
| Credit loss provision to net charge-offs | 124.0453% | 2,217 |
| Earnings coverage of net charge-offs (x) | 4.2374% | 2,538 |
| Efficiency ratio | 46.5316% | 7,179 |
| Assets per employee ($millions) | 7.7754% | 517 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.8859% | 1,024 |
| Loan loss allowance to noncurrent loans | 133.2436% | 2,207 |
| Noncurrent assets plus other real estate owned to assets | 1.7186% | 3,674 |
| Noncurrent loans to loans | 2.1659% | 3,365 |
| Net loans and leases to total assets | 72.9068% | 1,537 |
| Net loans and leases to deposits | 97.5105% | 597 |
| Net loans and leases to core deposits | 115.6042% | 542 |
| Total domestic deposits to total assets | 74.7681% | 6,825 |
| Equity capital to assets | 13.3610% | 1,236 |
| Core capital (leverage) ratio | 12.5950% | 1,286 |
| Tier 1 risk-based capital ratio | 16.0611% | 2,879 |
| Total risk-based capital ratio | 17.3308% | 2,842 |
| Memoranda: |
| Average total assets | $2,941,420,500 | 241 |
| Average earning assets | $2,772,296,500 | 232 |
| Average equity | $386,943,500 | 220 |
| Average total loans | $2,184,736,500 | 223 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2867% | 3,193 |
| Cost of funding earning assets | 1.4129% | 3,184 |
| Net interest margin | 3.8739% | 3,619 |
| Noninterest income to average assets | 0.5864% | 3,558 |
| Noninterest expense to average assets | 2.0073% | 7,009 |
| Loan and lease loss provision to assets | 2.7949% | 365 |
| Net operating income to assets | -0.3095% | 6,228 |
| Return on assets (ROA) | -0.1743% | 6,140 |
| Pretax return on assets | -0.3645% | 6,216 |
| Return on Equity (ROE) | -1.3812% | 6,107 |
| Retained earnings to average equity (ytd only) | -1.3812% | 5,869 |
| Net charge-offs to loans | 3.7237% | 364 |
| Credit loss provision to net charge-offs | 103.5432% | 4,347 |
| Earnings coverage of net charge-offs (x) | 0.8222% | 5,308 |
| Efficiency ratio | 47.0956% | 7,311 |
| Assets per employee ($millions) | 7.8705% | 501 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.8657% | 988 |
| Loan loss allowance to noncurrent loans | 134.5917% | 2,191 |
| Noncurrent assets plus other real estate owned to assets | 1.6181% | 3,889 |
| Noncurrent loans to loans | 2.1292% | 3,399 |
| Net loans and leases to total assets | 71.3801% | 2,221 |
| Net loans and leases to deposits | 96.5486% | 815 |
| Net loans and leases to core deposits | 113.7130% | 738 |
| Total domestic deposits to total assets | 73.9318% | 6,903 |
| Equity capital to assets | 12.9514% | 1,411 |
| Core capital (leverage) ratio | 12.2753% | 1,400 |
| Tier 1 risk-based capital ratio | 16.0117% | 2,745 |
| Total risk-based capital ratio | 17.2814% | 2,694 |
| Memoranda: |
| Average total assets | $3,028,006,000 | 241 |
| Average earning assets | $2,845,287,800 | 234 |
| Average equity | $382,053,000 | 218 |
| Average total loans | $2,194,949,600 | 223 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2398% | 3,634 |
| Cost of funding earning assets | 1.4611% | 3,217 |
| Net interest margin | 3.7788% | 4,062 |
| Noninterest income to average assets | 0.5929% | 3,486 |
| Noninterest expense to average assets | 1.9669% | 7,106 |
| Loan and lease loss provision to assets | 3.4515% | 217 |
| Net operating income to assets | -0.7137% | 6,738 |
| Return on assets (ROA) | -0.5345% | 6,668 |
| Pretax return on assets | -0.9973% | 6,864 |
| Return on Equity (ROE) | -4.2638% | 6,584 |
| Retained earnings to average equity (ytd only) | -4.2638% | 6,488 |
| Net charge-offs to loans | 4.5188% | 222 |
| Credit loss provision to net charge-offs | 105.7241% | 4,046 |
| Earnings coverage of net charge-offs (x) | 0.6660% | 5,379 |
| Efficiency ratio | 47.0950% | 7,328 |
| Assets per employee ($millions) | 8.1921% | 475 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.9287% | 877 |
| Loan loss allowance to noncurrent loans | 126.0728% | 2,252 |
| Noncurrent assets plus other real estate owned to assets | 1.8146% | 3,729 |
| Noncurrent loans to loans | 2.3230% | 3,314 |
| Net loans and leases to total assets | 70.7955% | 2,533 |
| Net loans and leases to deposits | 95.2523% | 1,077 |
| Net loans and leases to core deposits | 115.6550% | 759 |
| Total domestic deposits to total assets | 74.3242% | 6,883 |
| Equity capital to assets | 12.7181% | 1,737 |
| Core capital (leverage) ratio | 12.3178% | 1,496 |
| Tier 1 risk-based capital ratio | 15.9593% | 2,783 |
| Total risk-based capital ratio | 17.2322% | 2,722 |
| Memoranda: |
| Average total assets | $3,045,182,750 | 238 |
| Average earning assets | $2,859,328,500 | 231 |
| Average equity | $381,748,250 | 217 |
| Average total loans | $2,200,019,000 | 219 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2241% | 3,827 |
| Cost of funding earning assets | 1.5478% | 2,970 |
| Net interest margin | 3.6763% | 4,469 |
| Noninterest income to average assets | 0.4102% | 4,826 |
| Noninterest expense to average assets | 1.9246% | 7,221 |
| Loan and lease loss provision to assets | 4.4177% | 154 |
| Net operating income to assets | -1.4219% | 7,128 |
| Return on assets (ROA) | -1.1551% | 7,028 |
| Pretax return on assets | -2.0622% | 7,253 |
| Return on Equity (ROE) | -9.2581% | 6,937 |
| Retained earnings to average equity (ytd only) | -9.2581% | 6,879 |
| Net charge-offs to loans | 5.8110% | 145 |
| Credit loss provision to net charge-offs | 105.5543% | 3,858 |
| Earnings coverage of net charge-offs (x) | 0.4632% | 5,250 |
| Efficiency ratio | 49.3897% | 7,264 |
| Assets per employee ($millions) | 8.3516% | 437 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.9051% | 907 |
| Loan loss allowance to noncurrent loans | 75.0098% | 3,608 |
| Noncurrent assets plus other real estate owned to assets | 3.0601% | 2,324 |
| Noncurrent loans to loans | 3.8730% | 1,977 |
| Net loans and leases to total assets | 72.6434% | 2,244 |
| Net loans and leases to deposits | 98.1483% | 864 |
| Net loans and leases to core deposits | 122.0975% | 628 |
| Total domestic deposits to total assets | 74.0139% | 6,967 |
| Equity capital to assets | 12.8894% | 1,613 |
| Core capital (leverage) ratio | 12.1834% | 1,551 |
| Tier 1 risk-based capital ratio | 15.3839% | 2,963 |
| Total risk-based capital ratio | 16.6555% | 2,916 |
| Memoranda: |
| Average total assets | $3,066,270,000 | 239 |
| Average earning assets | $2,880,097,330 | 232 |
| Average equity | $382,583,330 | 216 |
| Average total loans | $2,208,439,670 | 221 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2111% | 3,960 |
| Cost of funding earning assets | 1.7479% | 2,135 |
| Net interest margin | 3.4631% | 5,322 |
| Noninterest income to average assets | 0.3819% | 5,082 |
| Noninterest expense to average assets | 1.7613% | 7,509 |
| Loan and lease loss provision to assets | 3.2259% | 301 |
| Net operating income to assets | -0.7894% | 7,003 |
| Return on assets (ROA) | -0.2778% | 6,696 |
| Pretax return on assets | -0.5447% | 6,816 |
| Return on Equity (ROE) | -2.2609% | 6,665 |
| Retained earnings to average equity (ytd only) | -2.2609% | 6,250 |
| Net charge-offs to loans | 3.7398% | 370 |
| Credit loss provision to net charge-offs | 121.9380% | 2,873 |
| Earnings coverage of net charge-offs (x) | 0.7113% | 4,394 |
| Efficiency ratio | 47.9037% | 7,444 |
| Assets per employee ($millions) | 9.1004% | 349 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.8945% | 908 |
| Loan loss allowance to noncurrent loans | 101.2051% | 2,745 |
| Noncurrent assets plus other real estate owned to assets | 2.2461% | 3,217 |
| Noncurrent loans to loans | 2.8600% | 2,814 |
| Net loans and leases to total assets | 69.7980% | 2,987 |
| Net loans and leases to deposits | 93.4787% | 1,409 |
| Net loans and leases to core deposits | 120.6228% | 761 |
| Total domestic deposits to total assets | 74.6673% | 6,956 |
| Equity capital to assets | 12.5363% | 1,739 |
| Core capital (leverage) ratio | 11.7265% | 1,788 |
| Tier 1 risk-based capital ratio | 16.0140% | 2,656 |
| Total risk-based capital ratio | 17.2837% | 2,599 |
| Memoranda: |
| Average total assets | $3,150,411,000 | 245 |
| Average earning assets | $2,966,695,000 | 234 |
| Average equity | $387,109,000 | 216 |
| Average total loans | $2,228,566,500 | 230 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5400% | 3,929 |
| Cost of funding earning assets | 2.2328% | 1,889 |
| Net interest margin | 3.3072% | 5,712 |
| Noninterest income to average assets | 0.4523% | 4,784 |
| Noninterest expense to average assets | 1.9717% | 7,408 |
| Loan and lease loss provision to assets | 2.0095% | 1,074 |
| Net operating income to assets | -0.2264% | 5,870 |
| Return on assets (ROA) | -0.1331% | 5,724 |
| Pretax return on assets | -0.2773% | 5,814 |
| Return on Equity (ROE) | -1.2045% | 5,721 |
| Retained earnings to average equity (ytd only) | -1.5621% | 5,405 |
| Net charge-offs to loans | 2.0854% | 1,174 |
| Credit loss provision to net charge-offs | 135.5524% | 3,652 |
| Earnings coverage of net charge-offs (x) | 1.0701% | 5,043 |
| Efficiency ratio | 54.8717% | 7,145 |
| Assets per employee ($millions) | 9.5694% | 299 |
| Cash dividends to net income (ytd only)* | -29.6883% | 7,742 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.6455% | 1,074 |
| Loan loss allowance to noncurrent loans | 114.9956% | 2,441 |
| Noncurrent assets plus other real estate owned to assets | 1.6658% | 3,870 |
| Noncurrent loans to loans | 2.3006% | 3,285 |
| Net loans and leases to total assets | 67.8093% | 3,743 |
| Net loans and leases to deposits | 89.2576% | 2,346 |
| Net loans and leases to core deposits | 144.1269% | 667 |
| Total domestic deposits to total assets | 75.9703% | 6,687 |
| Equity capital to assets | 12.0504% | 2,004 |
| Core capital (leverage) ratio | 11.7708% | 1,770 |
| Tier 1 risk-based capital ratio | 16.0203% | 2,514 |
| Total risk-based capital ratio | 17.2857% | 2,437 |
| Memoranda: |
| Average total assets | $3,036,707,000 | 245 |
| Average earning assets | $2,851,915,000 | 235 |
| Average equity | $335,572,400 | 233 |
| Average total loans | $2,158,743,200 | 243 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5262% | 4,292 |
| Cost of funding earning assets | 2.3164% | 1,921 |
| Net interest margin | 3.2098% | 5,980 |
| Noninterest income to average assets | 0.4499% | 4,897 |
| Noninterest expense to average assets | 2.0208% | 7,345 |
| Loan and lease loss provision to assets | 1.9253% | 954 |
| Net operating income to assets | -0.2536% | 6,144 |
| Return on assets (ROA) | -0.1758% | 6,033 |
| Pretax return on assets | -0.3662% | 6,157 |
| Return on Equity (ROE) | -1.6303% | 6,041 |
| Retained earnings to average equity (ytd only) | -2.1267% | 5,747 |
| Net charge-offs to loans | 2.0978% | 928 |
| Credit loss provision to net charge-offs | 128.3981% | 3,911 |
| Earnings coverage of net charge-offs (x) | 0.9587% | 5,102 |
| Efficiency ratio | 57.8652% | 6,732 |
| Assets per employee ($millions) | 9.2230% | 347 |
| Cash dividends to net income (ytd only)* | -30.4491% | 7,882 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4226% | 1,144 |
| Loan loss allowance to noncurrent loans | 149.1650% | 1,910 |
| Noncurrent assets plus other real estate owned to assets | 1.2526% | 4,557 |
| Noncurrent loans to loans | 1.6241% | 4,209 |
| Net loans and leases to total assets | 66.4681% | 4,315 |
| Net loans and leases to deposits | 85.7515% | 3,365 |
| Net loans and leases to core deposits | 130.6743% | 1,391 |
| Total domestic deposits to total assets | 77.5124% | 6,214 |
| Equity capital to assets | 10.1546% | 3,902 |
| Core capital (leverage) ratio | 9.8972% | 3,402 |
| Tier 1 risk-based capital ratio | 13.4409% | 3,900 |
| Total risk-based capital ratio | 14.7047% | 3,825 |
| Memoranda: |
| Average total assets | $2,989,664,750 | 256 |
| Average earning assets | $2,802,042,750 | 246 |
| Average equity | $322,313,250 | 247 |
| Average total loans | $2,136,881,500 | 259 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4616% | 4,835 |
| Cost of funding earning assets | 2.3248% | 2,259 |
| Net interest margin | 3.1368% | 6,138 |
| Noninterest income to average assets | 0.4796% | 4,629 |
| Noninterest expense to average assets | 2.1268% | 7,218 |
| Loan and lease loss provision to assets | 2.3776% | 664 |
| Net operating income to assets | -0.6010% | 6,659 |
| Return on assets (ROA) | -0.5569% | 6,614 |
| Pretax return on assets | -1.0237% | 6,829 |
| Return on Equity (ROE) | -5.0581% | 6,614 |
| Retained earnings to average equity (ytd only) | -5.8055% | 6,421 |
| Net charge-offs to loans | 2.6174% | 645 |
| Credit loss provision to net charge-offs | 124.9369% | 3,724 |
| Earnings coverage of net charge-offs (x) | 0.6752% | 5,030 |
| Efficiency ratio | 61.7399% | 6,283 |
| Assets per employee ($millions) | 8.4616% | 413 |
| Cash dividends to net income (ytd only)* | -14.7765% | 7,903 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3373% | 1,062 |
| Loan loss allowance to noncurrent loans | 99.4527% | 2,912 |
| Noncurrent assets plus other real estate owned to assets | 1.6705% | 3,689 |
| Noncurrent loans to loans | 2.3501% | 3,080 |
| Net loans and leases to total assets | 64.5668% | 4,863 |
| Net loans and leases to deposits | 86.1515% | 3,530 |
| Net loans and leases to core deposits | 125.3199% | 1,923 |
| Total domestic deposits to total assets | 74.9456% | 6,772 |
| Equity capital to assets | 9.7096% | 4,335 |
| Core capital (leverage) ratio | 10.4077% | 2,897 |
| Tier 1 risk-based capital ratio | 13.3480% | 3,900 |
| Total risk-based capital ratio | 14.6091% | 3,831 |
| Memoranda: |
| Average total assets | $2,916,352,330 | 272 |
| Average earning assets | $2,726,034,000 | 260 |
| Average equity | $321,110,330 | 249 |
| Average total loans | $2,120,399,330 | 270 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6270% | 4,198 |
| Cost of funding earning assets | 2.3512% | 2,501 |
| Net interest margin | 3.2758% | 5,591 |
| Noninterest income to average assets | 0.5108% | 4,224 |
| Noninterest expense to average assets | 2.1270% | 7,059 |
| Loan and lease loss provision to assets | 2.2829% | 516 |
| Net operating income to assets | -0.4515% | 6,829 |
| Return on assets (ROA) | -0.3783% | 6,838 |
| Pretax return on assets | -0.7275% | 6,986 |
| Return on Equity (ROE) | -3.2110% | 6,797 |
| Retained earnings to average equity (ytd only) | -3.2110% | 6,312 |
| Net charge-offs to loans | 1.6323% | 890 |
| Credit loss provision to net charge-offs | 182.5277% | 2,382 |
| Earnings coverage of net charge-offs (x) | 1.1521% | 4,177 |
| Efficiency ratio | 58.9890% | 6,554 |
| Assets per employee ($millions) | 7.6904% | 574 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4059% | 842 |
| Loan loss allowance to noncurrent loans | 122.1733% | 2,555 |
| Noncurrent assets plus other real estate owned to assets | 1.6355% | 3,454 |
| Noncurrent loans to loans | 1.9692% | 3,305 |
| Net loans and leases to total assets | 72.5870% | 3,098 |
| Net loans and leases to deposits | 97.5607% | 1,722 |
| Net loans and leases to core deposits | 135.7257% | 1,325 |
| Total domestic deposits to total assets | 74.4019% | 6,820 |
| Equity capital to assets | 11.4990% | 2,590 |
| Core capital (leverage) ratio | 11.8402% | 1,980 |
| Tier 1 risk-based capital ratio | 13.9165% | 3,638 |
| Total risk-based capital ratio | 15.1786% | 3,554 |
| Memoranda: |
| Average total assets | $2,745,670,000 | 287 |
| Average earning assets | $2,562,430,000 | 280 |
| Average equity | $323,510,500 | 250 |
| Average total loans | $2,103,728,500 | 269 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.9896% | 1,161 |
| Cost of funding earning assets | 2.8486% | 2,483 |
| Net interest margin | 4.1410% | 2,534 |
| Noninterest income to average assets | 0.5690% | 4,090 |
| Noninterest expense to average assets | 2.1637% | 7,083 |
| Loan and lease loss provision to assets | 1.9077% | 655 |
| Net operating income to assets | 0.2272% | 5,765 |
| Return on assets (ROA) | 0.2059% | 5,649 |
| Pretax return on assets | 0.3273% | 5,451 |
| Return on Equity (ROE) | 1.9449% | 5,635 |
| Retained earnings to average equity (ytd only) | 1.2068% | 4,504 |
| Net charge-offs to loans | 1.2185% | 989 |
| Credit loss provision to net charge-offs | 191.9146% | 2,557 |
| Earnings coverage of net charge-offs (x) | 2.2819% | 4,938 |
| Efficiency ratio | 48.2328% | 7,786 |
| Assets per employee ($millions) | 7.2922% | 622 |
| Cash dividends to net income (ytd only)* | 37.9507% | 3,737 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0595% | 1,133 |
| Loan loss allowance to noncurrent loans | 115.5375% | 3,066 |
| Noncurrent assets plus other real estate owned to assets | 1.5193% | 3,177 |
| Noncurrent loans to loans | 1.7825% | 3,087 |
| Net loans and leases to total assets | 77.3655% | 2,298 |
| Net loans and leases to deposits | 106.4106% | 1,089 |
| Net loans and leases to core deposits | 157.1897% | 638 |
| Total domestic deposits to total assets | 72.7047% | 6,882 |
| Equity capital to assets | 12.0825% | 2,241 |
| Core capital (leverage) ratio | 12.4294% | 1,782 |
| Tier 1 risk-based capital ratio | 14.0812% | 3,510 |
| Total risk-based capital ratio | 15.3395% | 3,415 |
| Memoranda: |
| Average total assets | $2,559,369,600 | 295 |
| Average earning assets | $2,387,527,200 | 285 |
| Average equity | $270,962,600 | 289 |
| Average total loans | $2,087,912,600 | 264 |
