Home > National Bank of Tennessee > Performance and Condition Ratios
National Bank of Tennessee, Performance and Condition Ratios
| 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 | 2.8981% | 5,787 |
| Cost of funding earning assets | 0.2139% | 5,063 |
| Net interest margin | 2.6842% | 5,638 |
| Noninterest income to average assets | 0.4001% | 3,831 |
| Noninterest expense to average assets | 2.8142% | 3,017 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | -0.0411% | 5,810 |
| Return on assets (ROA) | 0.5919% | 4,328 |
| Pretax return on assets | 0.5919% | 4,839 |
| Return on Equity (ROE) | 10.0740% | 1,955 |
| Retained earnings to average equity (ytd only) | 10.0740% | 830 |
| Net charge-offs to loans | -0.0525% | 5,352 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.4822% | 258 |
| Assets per employee ($millions) | 3.8925% | 4,129 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3331% | 487 |
| Loan loss allowance to noncurrent loans | 64.0519% | 4,468 |
| Noncurrent assets plus other real estate owned to assets | 2.4893% | 597 |
| Noncurrent loans to loans | 3.6425% | 361 |
| Net loans and leases to total assets | 34.8957% | 5,680 |
| Net loans and leases to deposits | 37.2657% | 5,803 |
| Net loans and leases to core deposits | 37.3385% | 5,834 |
| Total domestic deposits to total assets | 93.6403% | 24 |
| Equity capital to assets | 6.0014% | 6,072 |
| Core capital (leverage) ratio | 6.1078% | 6,058 |
| Tier 1 risk-based capital ratio | 13.8621% | 3,780 |
| Total risk-based capital ratio | 15.1213% | 3,710 |
| Memoranda: | ||
| Average total assets | $145,976,000 | 3,635 |
| Average earning assets | $129,050,500 | 3,731 |
| Average equity | $8,576,500 | 4,937 |
| Average total loans | $53,372,500 | 4,577 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3065% | 5,337 |
| Cost of funding earning assets | 0.2319% | 4,990 |
| Net interest margin | 3.0746% | 4,963 |
| Noninterest income to average assets | 0.5515% | 3,002 |
| Noninterest expense to average assets | 3.4820% | 1,324 |
| Loan and lease loss provision to assets | -0.2792% | 6,048 |
| Net operating income to assets | 0.0510% | 5,814 |
| Return on assets (ROA) | 0.1396% | 5,750 |
| Pretax return on assets | 0.1396% | 5,767 |
| Return on Equity (ROE) | 2.4444% | 5,469 |
| Retained earnings to average equity (ytd only) | 2.4444% | 4,327 |
| Net charge-offs to loans | -0.0702% | 5,673 |
| Credit loss provision to net charge-offs | 975.6098% | 353 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.0157% | 172 |
| Assets per employee ($millions) | 3.4295% | 4,939 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2748% | 537 |
| Loan loss allowance to noncurrent loans | 56.2385% | 4,717 |
| Noncurrent assets plus other real estate owned to assets | 2.6458% | 565 |
| Noncurrent loans to loans | 4.0448% | 300 |
| Net loans and leases to total assets | 36.5670% | 5,690 |
| Net loans and leases to deposits | 38.9577% | 5,809 |
| Net loans and leases to core deposits | 39.2562% | 5,844 |
| Total domestic deposits to total assets | 93.8634% | 27 |
| Equity capital to assets | 5.7457% | 6,127 |
| Core capital (leverage) ratio | 6.0458% | 6,122 |
| Tier 1 risk-based capital ratio | 13.5023% | 4,006 |
| Total risk-based capital ratio | 14.7613% | 3,937 |
| Memoranda: | ||
| Average total assets | $143,250,800 | 3,673 |
| Average earning assets | $125,902,400 | 3,775 |
| Average equity | $8,181,800 | 5,027 |
| Average total loans | $58,367,400 | 4,416 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3510% | 5,315 |
| Cost of funding earning assets | 0.2350% | 5,042 |
| Net interest margin | 3.1161% | 4,919 |
| Noninterest income to average assets | 0.4511% | 3,708 |
| Noninterest expense to average assets | 3.4196% | 1,437 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | -0.2367% | 6,057 |
| Return on assets (ROA) | -0.1184% | 6,036 |
| Pretax return on assets | -0.1184% | 6,020 |
| Return on Equity (ROE) | -2.0756% | 6,068 |
| Retained earnings to average equity (ytd only) | -2.0756% | 5,861 |
| Net charge-offs to loans | -0.0964% | 5,768 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.4378% | 176 |
| Assets per employee ($millions) | 3.3512% | 5,056 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9171% | 269 |
| Loan loss allowance to noncurrent loans | 74.8850% | 4,281 |
| Noncurrent assets plus other real estate owned to assets | 3.3044% | 413 |
| Noncurrent loans to loans | 3.8954% | 348 |
| Net loans and leases to total assets | 38.4942% | 5,671 |
| Net loans and leases to deposits | 41.1406% | 5,828 |
| Net loans and leases to core deposits | 41.4640% | 5,868 |
| Total domestic deposits to total assets | 93.5674% | 32 |
| Equity capital to assets | 5.9453% | 6,205 |
| Core capital (leverage) ratio | 5.8244% | 6,208 |
| Tier 1 risk-based capital ratio | 12.8156% | 4,541 |
| Total risk-based capital ratio | 14.0810% | 4,446 |
| Memoranda: | ||
| Average total assets | $143,054,250 | 3,700 |
| Average earning assets | $125,410,500 | 3,819 |
| Average equity | $8,158,250 | 5,095 |
| Average total loans | $59,485,250 | 4,438 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3663% | 5,302 |
| Cost of funding earning assets | 0.2335% | 5,112 |
| Net interest margin | 3.1328% | 4,872 |
| Noninterest income to average assets | 0.6675% | 2,372 |
| Noninterest expense to average assets | 3.3833% | 1,504 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.0264% | 5,965 |
| Return on assets (ROA) | 0.0876% | 5,933 |
| Pretax return on assets | 0.0876% | 5,941 |
| Return on Equity (ROE) | 1.5578% | 5,791 |
| Retained earnings to average equity (ytd only) | 1.5578% | 4,922 |
| Net charge-offs to loans | -0.1285% | 5,871 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.2251% | 343 |
| Assets per employee ($millions) | 3.1805% | 5,371 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7920% | 337 |
| Loan loss allowance to noncurrent loans | 73.3845% | 4,387 |
| Noncurrent assets plus other real estate owned to assets | 3.5417% | 407 |
| Noncurrent loans to loans | 3.8046% | 430 |
| Net loans and leases to total assets | 39.5059% | 5,658 |
| Net loans and leases to deposits | 42.0443% | 5,835 |
| Net loans and leases to core deposits | 42.3678% | 5,886 |
| Total domestic deposits to total assets | 93.9625% | 35 |
| Equity capital to assets | 5.4946% | 6,285 |
| Core capital (leverage) ratio | 5.9148% | 6,273 |
| Tier 1 risk-based capital ratio | 12.4278% | 4,860 |
| Total risk-based capital ratio | 13.6920% | 4,764 |
| Memoranda: | ||
| Average total assets | $143,822,000 | 3,718 |
| Average earning assets | $125,894,670 | 3,848 |
| Average equity | $8,088,330 | 5,143 |
| Average total loans | $60,710,670 | 4,441 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3396% | 5,349 |
| Cost of funding earning assets | 0.2381% | 5,141 |
| Net interest margin | 3.1015% | 4,944 |
| Noninterest income to average assets | 0.8518% | 1,557 |
| Noninterest expense to average assets | 3.4015% | 1,485 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.1609% | 5,759 |
| Return on assets (ROA) | 0.2830% | 5,566 |
| Pretax return on assets | 0.2830% | 5,684 |
| Return on Equity (ROE) | 4.9753% | 4,540 |
| Retained earnings to average equity (ytd only) | 4.9753% | 3,067 |
| Net charge-offs to loans | -0.0258% | 5,170 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.4829% | 522 |
| Assets per employee ($millions) | 3.3109% | 5,222 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6446% | 434 |
| Loan loss allowance to noncurrent loans | 68.5209% | 4,485 |
| Noncurrent assets plus other real estate owned to assets | 3.5750% | 457 |
| Noncurrent loans to loans | 3.8596% | 462 |
| Net loans and leases to total assets | 40.1536% | 5,592 |
| Net loans and leases to deposits | 42.9318% | 5,802 |
| Net loans and leases to core deposits | 43.2566% | 5,860 |
| Total domestic deposits to total assets | 93.5289% | 43 |
| Equity capital to assets | 5.9206% | 6,338 |
| Core capital (leverage) ratio | 5.9719% | 6,329 |
| Tier 1 risk-based capital ratio | 12.2314% | 5,088 |
| Total risk-based capital ratio | 13.4944% | 4,987 |
| Memoranda: | ||
| Average total assets | $144,171,500 | 3,740 |
| Average earning assets | $126,002,000 | 3,867 |
| Average equity | $8,200,500 | 5,163 |
| Average total loans | $61,983,000 | 4,431 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4360% | 5,456 |
| Cost of funding earning assets | 0.2687% | 5,118 |
| Net interest margin | 3.1673% | 5,024 |
| Noninterest income to average assets | 0.3652% | 4,476 |
| Noninterest expense to average assets | 3.6323% | 1,245 |
| Loan and lease loss provision to assets | 0.0539% | 3,478 |
| Net operating income to assets | -0.5330% | 6,304 |
| Return on assets (ROA) | -0.4636% | 6,289 |
| Pretax return on assets | -0.4636% | 6,280 |
| Return on Equity (ROE) | -9.4141% | 6,352 |
| Retained earnings to average equity (ytd only) | -9.4141% | 6,297 |
| Net charge-offs to loans | -0.6421% | 6,422 |
| Credit loss provision to net charge-offs | -19.2308% | 5,348 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 115.1923% | 159 |
| Assets per employee ($millions) | 3.2424% | 5,363 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4811% | 560 |
| Loan loss allowance to noncurrent loans | 71.9473% | 4,459 |
| Noncurrent assets plus other real estate owned to assets | 3.7465% | 476 |
| Noncurrent loans to loans | 3.4485% | 603 |
| Net loans and leases to total assets | 43.6666% | 5,485 |
| Net loans and leases to deposits | 46.4678% | 5,773 |
| Net loans and leases to core deposits | 46.8247% | 5,856 |
| Total domestic deposits to total assets | 93.9719% | 36 |
| Equity capital to assets | 5.4505% | 6,443 |
| Core capital (leverage) ratio | 5.8062% | 6,420 |
| Tier 1 risk-based capital ratio | 11.6787% | 5,559 |
| Total risk-based capital ratio | 12.9410% | 5,459 |
| Memoranda: | ||
| Average total assets | $148,417,200 | 3,657 |
| Average earning assets | $130,646,600 | 3,754 |
| Average equity | $7,308,200 | 5,345 |
| Average total loans | $64,783,000 | 4,339 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3911% | 5,611 |
| Cost of funding earning assets | 0.2704% | 5,192 |
| Net interest margin | 3.1207% | 5,198 |
| Noninterest income to average assets | 0.3612% | 4,544 |
| Noninterest expense to average assets | 3.6701% | 1,171 |
| Loan and lease loss provision to assets | 0.0712% | 2,923 |
| Net operating income to assets | -0.6281% | 6,399 |
| Return on assets (ROA) | -0.5365% | 6,372 |
| Pretax return on assets | -0.5365% | 6,362 |
| Return on Equity (ROE) | -11.1800% | 6,459 |
| Retained earnings to average equity (ytd only) | -11.1800% | 6,399 |
| Net charge-offs to loans | -0.3035% | 6,392 |
| Credit loss provision to net charge-offs | -54.0541% | 5,355 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 117.8908% | 143 |
| Assets per employee ($millions) | 3.3560% | 5,127 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9229% | 1,405 |
| Loan loss allowance to noncurrent loans | 38.8152% | 5,490 |
| Noncurrent assets plus other real estate owned to assets | 4.0484% | 479 |
| Noncurrent loans to loans | 4.9540% | 377 |
| Net loans and leases to total assets | 45.4907% | 5,416 |
| Net loans and leases to deposits | 48.9296% | 5,706 |
| Net loans and leases to core deposits | 49.2962% | 5,823 |
| Total domestic deposits to total assets | 92.9718% | 79 |
| Equity capital to assets | 4.9911% | 6,526 |
| Core capital (leverage) ratio | 5.8009% | 6,492 |
| Tier 1 risk-based capital ratio | 11.1765% | 5,920 |
| Total risk-based capital ratio | 12.4331% | 5,867 |
| Memoranda: | ||
| Average total assets | $149,855,250 | 3,661 |
| Average earning assets | $132,147,250 | 3,746 |
| Average equity | $7,191,250 | 5,425 |
| Average total loans | $65,008,250 | 4,370 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4143% | 5,594 |
| Cost of funding earning assets | 0.2799% | 5,187 |
| Net interest margin | 3.1344% | 5,142 |
| Noninterest income to average assets | 0.3015% | 4,998 |
| Noninterest expense to average assets | 3.8437% | 917 |
| Loan and lease loss provision to assets | 0.1063% | 2,250 |
| Net operating income to assets | -0.8965% | 6,517 |
| Return on assets (ROA) | -0.8208% | 6,506 |
| Pretax return on assets | -0.8208% | 6,492 |
| Return on Equity (ROE) | -17.3311% | 6,567 |
| Retained earnings to average equity (ytd only) | -17.3311% | 6,521 |
| Net charge-offs to loans | 0.1347% | 2,326 |
| Credit loss provision to net charge-offs | 186.0465% | 1,241 |
| Earnings coverage of net charge-offs (x) | -13.8372% | 4,329 |
| Efficiency ratio | 125.8808% | 116 |
| Assets per employee ($millions) | 2.8783% | 5,914 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8545% | 1,691 |
| Loan loss allowance to noncurrent loans | 31.0878% | 5,744 |
| Noncurrent assets plus other real estate owned to assets | 4.2597% | 473 |
| Noncurrent loans to loans | 5.9654% | 266 |
| Net loans and leases to total assets | 40.5953% | 5,779 |
| Net loans and leases to deposits | 43.0496% | 6,023 |
| Net loans and leases to core deposits | 43.5457% | 6,085 |
| Total domestic deposits to total assets | 94.2988% | 38 |
| Equity capital to assets | 5.0445% | 6,586 |
| Core capital (leverage) ratio | 5.6861% | 6,556 |
| Tier 1 risk-based capital ratio | 12.1999% | 5,419 |
| Total risk-based capital ratio | 13.4542% | 5,333 |
| Memoranda: | ||
| Average total assets | $150,586,000 | 3,671 |
| Average earning assets | $132,208,670 | 3,765 |
| Average equity | $7,131,670 | 5,457 |
| Average total loans | $63,847,670 | 4,427 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3934% | 5,661 |
| Cost of funding earning assets | 0.2898% | 5,173 |
| Net interest margin | 3.1037% | 5,237 |
| Noninterest income to average assets | 0.4905% | 3,490 |
| Noninterest expense to average assets | 3.8562% | 918 |
| Loan and lease loss provision to assets | 0.2099% | 1,094 |
| Net operating income to assets | -0.8499% | 6,551 |
| Return on assets (ROA) | -0.7844% | 6,537 |
| Pretax return on assets | -0.7844% | 6,528 |
| Return on Equity (ROE) | -17.0979% | 6,614 |
| Retained earnings to average equity (ytd only) | -17.0979% | 6,497 |
| Net charge-offs to loans | 1.0640% | 311 |
| Credit loss provision to net charge-offs | 45.9770% | 2,251 |
| Earnings coverage of net charge-offs (x) | -1.4023% | 3,519 |
| Efficiency ratio | 119.9021% | 174 |
| Assets per employee ($millions) | 2.7938% | 6,102 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5507% | 2,922 |
| Loan loss allowance to noncurrent loans | 22.0084% | 6,036 |
| Noncurrent assets plus other real estate owned to assets | 4.7911% | 443 |
| Noncurrent loans to loans | 7.0459% | 219 |
| Net loans and leases to total assets | 41.1100% | 5,739 |
| Net loans and leases to deposits | 43.3693% | 6,003 |
| Net loans and leases to core deposits | 44.5053% | 6,052 |
| Total domestic deposits to total assets | 94.7905% | 40 |
| Equity capital to assets | 4.6056% | 6,658 |
| Core capital (leverage) ratio | 5.8120% | 6,608 |
| Tier 1 risk-based capital ratio | 12.0784% | 5,590 |
| Total risk-based capital ratio | 13.3302% | 5,523 |
| Memoranda: | ||
| Average total assets | $152,482,500 | 3,669 |
| Average earning assets | $133,906,000 | 3,769 |
| Average equity | $6,995,000 | 5,522 |
| Average total loans | $65,413,000 | 4,418 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5699% | 5,482 |
| Cost of funding earning assets | 0.3311% | 5,313 |
| Net interest margin | 3.2388% | 4,865 |
| Noninterest income to average assets | -0.9237% | 6,805 |
| Noninterest expense to average assets | 4.1941% | 706 |
| Loan and lease loss provision to assets | 0.3692% | 846 |
| Net operating income to assets | -2.6590% | 6,743 |
| Return on assets (ROA) | -2.5783% | 6,742 |
| Pretax return on assets | -2.5783% | 6,740 |
| Return on Equity (ROE) | -39.4213% | 6,757 |
| Retained earnings to average equity (ytd only) | -39.4213% | 6,754 |
| Net charge-offs to loans | 2.6554% | 102 |
| Credit loss provision to net charge-offs | 30.2099% | 4,244 |
| Earnings coverage of net charge-offs (x) | -1.8735% | 5,317 |
| Efficiency ratio | 220.2432% | 22 |
| Assets per employee ($millions) | 2.7510% | 6,164 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6336% | 2,632 |
| Loan loss allowance to noncurrent loans | 21.9512% | 6,135 |
| Noncurrent assets plus other real estate owned to assets | 5.1149% | 455 |
| Noncurrent loans to loans | 7.4421% | 216 |
| Net loans and leases to total assets | 43.3379% | 5,732 |
| Net loans and leases to deposits | 45.6738% | 6,033 |
| Net loans and leases to core deposits | 47.0094% | 6,091 |
| Total domestic deposits to total assets | 94.8858% | 51 |
| Equity capital to assets | 4.5689% | 6,718 |
| Core capital (leverage) ratio | 5.8890% | 6,662 |
| Tier 1 risk-based capital ratio | 12.2722% | 5,449 |
| Total risk-based capital ratio | 13.5253% | 5,375 |
| Memoranda: | ||
| Average total assets | $159,796,800 | 3,560 |
| Average earning assets | $139,526,400 | 3,673 |
| Average equity | $10,451,200 | 4,756 |
| Average total loans | $73,547,000 | 4,147 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5589% | 5,553 |
| Cost of funding earning assets | 0.3367% | 5,416 |
| Net interest margin | 3.2221% | 4,924 |
| Noninterest income to average assets | -0.9601% | 6,883 |
| Noninterest expense to average assets | 4.1320% | 736 |
| Loan and lease loss provision to assets | 0.3870% | 796 |
| Net operating income to assets | -2.6663% | 6,825 |
| Return on assets (ROA) | -2.5600% | 6,827 |
| Pretax return on assets | -2.5600% | 6,824 |
| Return on Equity (ROE) | -36.5678% | 6,837 |
| Retained earnings to average equity (ytd only) | -36.5678% | 6,833 |
| Net charge-offs to loans | 3.3639% | 62 |
| Credit loss provision to net charge-offs | 24.7499% | 3,985 |
| Earnings coverage of net charge-offs (x) | -1.4576% | 5,041 |
| Efficiency ratio | 223.0222% | 23 |
| Assets per employee ($millions) | 2.8417% | 6,090 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4678% | 3,606 |
| Loan loss allowance to noncurrent loans | 20.1100% | 6,241 |
| Noncurrent assets plus other real estate owned to assets | 5.4192% | 487 |
| Noncurrent loans to loans | 7.2989% | 275 |
| Net loans and leases to total assets | 43.9807% | 5,729 |
| Net loans and leases to deposits | 47.0899% | 6,028 |
| Net loans and leases to core deposits | 48.5620% | 6,092 |
| Total domestic deposits to total assets | 93.3971% | 100 |
| Equity capital to assets | 5.2452% | 6,756 |
| Core capital (leverage) ratio | 6.4620% | 6,674 |
| Tier 1 risk-based capital ratio | 12.9158% | 5,181 |
| Total risk-based capital ratio | 14.1663% | 5,123 |
| Memoranda: | ||
| Average total assets | $161,920,000 | 3,566 |
| Average earning assets | $141,351,750 | 3,684 |
| Average equity | $11,335,750 | 4,623 |
| Average total loans | $75,268,500 | 4,107 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6145% | 5,390 |
| Cost of funding earning assets | 0.3413% | 5,483 |
| Net interest margin | 3.2732% | 4,674 |
| Noninterest income to average assets | -0.3614% | 6,893 |
| Noninterest expense to average assets | 4.2382% | 664 |
| Loan and lease loss provision to assets | 0.4274% | 703 |
| Net operating income to assets | -2.1698% | 6,859 |
| Return on assets (ROA) | -2.0196% | 6,853 |
| Pretax return on assets | -2.0196% | 6,845 |
| Return on Equity (ROE) | -26.7169% | 6,850 |
| Retained earnings to average equity (ytd only) | -26.7169% | 6,835 |
| Net charge-offs to loans | 4.3552% | 45 |
| Credit loss provision to net charge-offs | 20.8457% | 3,717 |
| Earnings coverage of net charge-offs (x) | -0.8499% | 4,702 |
| Efficiency ratio | 169.8141% | 46 |
| Assets per employee ($millions) | 2.7831% | 6,183 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5274% | 3,457 |
| Loan loss allowance to noncurrent loans | 24.4929% | 6,197 |
| Noncurrent assets plus other real estate owned to assets | 6.1775% | 432 |
| Noncurrent loans to loans | 6.2362% | 431 |
| Net loans and leases to total assets | 45.6376% | 5,575 |
| Net loans and leases to deposits | 48.9785% | 5,921 |
| Net loans and leases to core deposits | 50.4889% | 5,999 |
| Total domestic deposits to total assets | 93.1789% | 114 |
| Equity capital to assets | 6.2645% | 6,721 |
| Core capital (leverage) ratio | 7.1574% | 6,576 |
| Tier 1 risk-based capital ratio | 13.6442% | 4,677 |
| Total risk-based capital ratio | 14.8957% | 4,642 |
| Memoranda: | ||
| Average total assets | $163,794,670 | 3,564 |
| Average earning assets | $142,981,000 | 3,677 |
| Average equity | $12,381,670 | 4,445 |
| Average total loans | $77,103,330 | 4,066 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6411% | 5,334 |
| Cost of funding earning assets | 0.3457% | 5,582 |
| Net interest margin | 3.2953% | 4,534 |
| Noninterest income to average assets | 0.3775% | 4,644 |
| Noninterest expense to average assets | 4.2699% | 651 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -1.0050% | 6,808 |
| Return on assets (ROA) | -0.9016% | 6,798 |
| Pretax return on assets | -0.9016% | 6,779 |
| Return on Equity (ROE) | -11.0266% | 6,823 |
| Retained earnings to average equity (ytd only) | -11.0266% | 6,652 |
| Net charge-offs to loans | 0.6997% | 877 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | -3.0290% | 4,045 |
| Efficiency ratio | 130.7806% | 144 |
| Assets per employee ($millions) | 2.7647% | 6,336 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9905% | 664 |
| Loan loss allowance to noncurrent loans | 37.8723% | 5,696 |
| Noncurrent assets plus other real estate owned to assets | 6.9682% | 403 |
| Noncurrent loans to loans | 7.8962% | 339 |
| Net loans and leases to total assets | 45.2520% | 5,518 |
| Net loans and leases to deposits | 49.7954% | 5,801 |
| Net loans and leases to core deposits | 51.0441% | 5,896 |
| Total domestic deposits to total assets | 90.8760% | 577 |
| Equity capital to assets | 8.0654% | 6,344 |
| Core capital (leverage) ratio | 7.7926% | 6,296 |
| Tier 1 risk-based capital ratio | 14.7330% | 4,007 |
| Total risk-based capital ratio | 16.0003% | 3,966 |
| Memoranda: | ||
| Average total assets | $166,372,500 | 3,556 |
| Average earning assets | $145,782,000 | 3,666 |
| Average equity | $13,603,500 | 4,269 |
| Average total loans | $78,894,000 | 4,036 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9910% | 5,337 |
| Cost of funding earning assets | 0.4948% | 5,254 |
| Net interest margin | 3.4962% | 4,516 |
| Noninterest income to average assets | 0.1310% | 6,383 |
| Noninterest expense to average assets | 3.7176% | 1,382 |
| Loan and lease loss provision to assets | 0.9647% | 442 |
| Net operating income to assets | -1.5039% | 6,856 |
| Return on assets (ROA) | -1.4249% | 6,851 |
| Pretax return on assets | -1.4249% | 6,831 |
| Return on Equity (ROE) | -16.0625% | 6,838 |
| Retained earnings to average equity (ytd only) | -16.0625% | 6,789 |
| Net charge-offs to loans | 1.9578% | 376 |
| Credit loss provision to net charge-offs | 93.3219% | 3,337 |
| Earnings coverage of net charge-offs (x) | -0.5217% | 5,679 |
| Efficiency ratio | 116.9668% | 238 |
| Assets per employee ($millions) | 2.8282% | 6,272 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0494% | 635 |
| Loan loss allowance to noncurrent loans | 37.4694% | 5,747 |
| Noncurrent assets plus other real estate owned to assets | 7.1406% | 427 |
| Noncurrent loans to loans | 8.1384% | 353 |
| Net loans and leases to total assets | 46.7192% | 5,547 |
| Net loans and leases to deposits | 51.5657% | 5,835 |
| Net loans and leases to core deposits | 52.8540% | 5,954 |
| Total domestic deposits to total assets | 90.6013% | 663 |
| Equity capital to assets | 8.2870% | 6,211 |
| Core capital (leverage) ratio | 7.9683% | 6,226 |
| Tier 1 risk-based capital ratio | 14.8170% | 3,821 |
| Total risk-based capital ratio | 16.0854% | 3,768 |
| Memoranda: | ||
| Average total assets | $169,490,600 | 3,465 |
| Average earning assets | $147,731,000 | 3,590 |
| Average equity | $15,035,000 | 3,962 |
| Average total loans | $89,486,000 | 3,758 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0947% | 5,209 |
| Cost of funding earning assets | 0.5304% | 5,241 |
| Net interest margin | 3.5642% | 4,380 |
| Noninterest income to average assets | -0.0337% | 6,988 |
| Noninterest expense to average assets | 3.6971% | 1,364 |
| Loan and lease loss provision to assets | 1.1637% | 319 |
| Net operating income to assets | -1.7929% | 7,014 |
| Return on assets (ROA) | -1.6910% | 7,009 |
| Pretax return on assets | -1.6910% | 6,982 |
| Return on Equity (ROE) | -18.7606% | 6,977 |
| Retained earnings to average equity (ytd only) | -18.7606% | 6,959 |
| Net charge-offs to loans | 2.2741% | 292 |
| Credit loss provision to net charge-offs | 94.8882% | 3,149 |
| Earnings coverage of net charge-offs (x) | -0.5131% | 5,501 |
| Efficiency ratio | 120.5109% | 190 |
| Assets per employee ($millions) | 2.6355% | 6,562 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9719% | 737 |
| Loan loss allowance to noncurrent loans | 34.8795% | 5,898 |
| Noncurrent assets plus other real estate owned to assets | 7.4078% | 456 |
| Noncurrent loans to loans | 8.5206% | 353 |
| Net loans and leases to total assets | 48.1766% | 5,527 |
| Net loans and leases to deposits | 53.8466% | 5,820 |
| Net loans and leases to core deposits | 55.2920% | 5,940 |
| Total domestic deposits to total assets | 89.4702% | 1,146 |
| Equity capital to assets | 8.4934% | 6,265 |
| Core capital (leverage) ratio | 8.0605% | 6,277 |
| Tier 1 risk-based capital ratio | 14.7136% | 4,038 |
| Total risk-based capital ratio | 15.9820% | 3,986 |
| Memoranda: | ||
| Average total assets | $170,147,500 | 3,484 |
| Average earning assets | $148,059,250 | 3,626 |
| Average equity | $15,336,750 | 3,924 |
| Average total loans | $91,755,250 | 3,740 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1790% | 5,030 |
| Cost of funding earning assets | 0.5734% | 5,129 |
| Net interest margin | 3.6056% | 4,235 |
| Noninterest income to average assets | -0.3352% | 7,163 |
| Noninterest expense to average assets | 3.7096% | 1,350 |
| Loan and lease loss provision to assets | 1.2131% | 339 |
| Net operating income to assets | -2.1332% | 7,084 |
| Return on assets (ROA) | -2.0664% | 7,086 |
| Pretax return on assets | -2.0664% | 7,076 |
| Return on Equity (ROE) | -22.4963% | 7,057 |
| Retained earnings to average equity (ytd only) | -22.4963% | 7,037 |
| Net charge-offs to loans | 2.8976% | 208 |
| Credit loss provision to net charge-offs | 75.6579% | 3,441 |
| Earnings coverage of net charge-offs (x) | -0.5738% | 5,252 |
| Efficiency ratio | 132.9832% | 152 |
| Assets per employee ($millions) | 2.5129% | 6,756 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5402% | 1,231 |
| Loan loss allowance to noncurrent loans | 29.3747% | 6,180 |
| Noncurrent assets plus other real estate owned to assets | 7.6112% | 472 |
| Noncurrent loans to loans | 8.6474% | 374 |
| Net loans and leases to total assets | 50.2051% | 5,331 |
| Net loans and leases to deposits | 55.4511% | 5,709 |
| Net loans and leases to core deposits | 56.8067% | 5,880 |
| Total domestic deposits to total assets | 90.5395% | 639 |
| Equity capital to assets | 8.6371% | 6,088 |
| Core capital (leverage) ratio | 8.2128% | 6,037 |
| Tier 1 risk-based capital ratio | 14.5009% | 4,105 |
| Total risk-based capital ratio | 15.7646% | 4,057 |
| Memoranda: | ||
| Average total assets | $170,639,000 | 3,490 |
| Average earning assets | $147,880,670 | 3,645 |
| Average equity | $15,673,670 | 3,857 |
| Average total loans | $94,423,670 | 3,707 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3541% | 4,503 |
| Cost of funding earning assets | 0.6189% | 4,972 |
| Net interest margin | 3.7351% | 3,672 |
| Noninterest income to average assets | 0.3073% | 5,428 |
| Noninterest expense to average assets | 3.6618% | 1,446 |
| Loan and lease loss provision to assets | 0.6685% | 802 |
| Net operating income to assets | -0.7952% | 6,949 |
| Return on assets (ROA) | -0.6850% | 6,927 |
| Pretax return on assets | -0.6850% | 6,893 |
| Return on Equity (ROE) | -7.2407% | 6,926 |
| Retained earnings to average equity (ytd only) | -7.2407% | 6,725 |
| Net charge-offs to loans | 1.7332% | 555 |
| Credit loss provision to net charge-offs | 67.3759% | 2,971 |
| Earnings coverage of net charge-offs (x) | -0.1277% | 4,416 |
| Efficiency ratio | 103.5833% | 457 |
| Assets per employee ($millions) | 2.5741% | 6,773 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5067% | 1,345 |
| Loan loss allowance to noncurrent loans | 30.7216% | 6,138 |
| Noncurrent assets plus other real estate owned to assets | 8.0462% | 473 |
| Noncurrent loans to loans | 8.1593% | 468 |
| Net loans and leases to total assets | 54.8224% | 4,584 |
| Net loans and leases to deposits | 60.8645% | 5,061 |
| Net loans and leases to core deposits | 62.5513% | 5,268 |
| Total domestic deposits to total assets | 90.0728% | 1,046 |
| Equity capital to assets | 9.2088% | 5,221 |
| Core capital (leverage) ratio | 9.0697% | 4,731 |
| Tier 1 risk-based capital ratio | 14.8998% | 3,824 |
| Total risk-based capital ratio | 16.1639% | 3,785 |
| Memoranda: | ||
| Average total assets | $170,519,000 | 3,511 |
| Average earning assets | $147,357,000 | 3,674 |
| Average equity | $16,131,000 | 3,792 |
| Average total loans | $97,622,500 | 3,647 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6176% | 4,601 |
| Cost of funding earning assets | 0.7165% | 5,424 |
| Net interest margin | 3.9011% | 3,335 |
| Noninterest income to average assets | 0.6092% | 3,112 |
| Noninterest expense to average assets | 4.0226% | 1,008 |
| Loan and lease loss provision to assets | 0.4118% | 2,535 |
| Net operating income to assets | -0.4176% | 6,430 |
| Return on assets (ROA) | -0.3446% | 6,427 |
| Pretax return on assets | -0.3020% | 6,353 |
| Return on Equity (ROE) | -3.6629% | 6,449 |
| Retained earnings to average equity (ytd only) | -3.6629% | 6,338 |
| Net charge-offs to loans | 0.3450% | 3,675 |
| Credit loss provision to net charge-offs | 188.5027% | 1,360 |
| Earnings coverage of net charge-offs (x) | 0.1684% | 5,712 |
| Efficiency ratio | 99.0935% | 704 |
| Assets per employee ($millions) | 2.4790% | 6,851 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6144% | 1,175 |
| Loan loss allowance to noncurrent loans | 28.5318% | 6,278 |
| Noncurrent assets plus other real estate owned to assets | 8.9505% | 405 |
| Noncurrent loans to loans | 9.1631% | 381 |
| Net loans and leases to total assets | 56.7680% | 4,580 |
| Net loans and leases to deposits | 63.4422% | 5,071 |
| Net loans and leases to core deposits | 64.9872% | 5,365 |
| Total domestic deposits to total assets | 89.4799% | 1,275 |
| Equity capital to assets | 9.7169% | 4,570 |
| Core capital (leverage) ratio | 9.1773% | 4,498 |
| Tier 1 risk-based capital ratio | 15.1905% | 3,520 |
| Total risk-based capital ratio | 16.4562% | 3,472 |
| Memoranda: | ||
| Average total assets | $171,208,600 | 3,466 |
| Average earning assets | $151,420,400 | 3,564 |
| Average equity | $16,107,600 | 3,708 |
| Average total loans | $108,418,600 | 3,419 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6565% | 4,649 |
| Cost of funding earning assets | 0.7293% | 5,600 |
| Net interest margin | 3.9272% | 3,241 |
| Noninterest income to average assets | 0.5966% | 3,186 |
| Noninterest expense to average assets | 4.1193% | 874 |
| Loan and lease loss provision to assets | 0.2444% | 3,559 |
| Net operating income to assets | -0.2746% | 6,460 |
| Return on assets (ROA) | -0.2234% | 6,486 |
| Pretax return on assets | -0.2234% | 6,432 |
| Return on Equity (ROE) | -2.3940% | 6,516 |
| Retained earnings to average equity (ytd only) | -2.3940% | 6,348 |
| Net charge-offs to loans | 0.0685% | 5,275 |
| Credit loss provision to net charge-offs | 552.6316% | 498 |
| Earnings coverage of net charge-offs (x) | -0.6842% | 5,877 |
| Efficiency ratio | 100.7399% | 641 |
| Assets per employee ($millions) | 2.3633% | 7,022 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3678% | 1,590 |
| Loan loss allowance to noncurrent loans | 28.0923% | 6,356 |
| Noncurrent assets plus other real estate owned to assets | 8.5622% | 484 |
| Noncurrent loans to loans | 8.4286% | 501 |
| Net loans and leases to total assets | 58.8495% | 4,348 |
| Net loans and leases to deposits | 66.4118% | 4,841 |
| Net loans and leases to core deposits | 67.9903% | 5,179 |
| Total domestic deposits to total assets | 88.6131% | 1,685 |
| Equity capital to assets | 9.6475% | 4,858 |
| Core capital (leverage) ratio | 9.2416% | 4,555 |
| Tier 1 risk-based capital ratio | 14.5470% | 3,940 |
| Total risk-based capital ratio | 15.8101% | 3,910 |
| Memoranda: | ||
| Average total assets | $171,867,750 | 3,484 |
| Average earning assets | $152,845,000 | 3,552 |
| Average equity | $16,039,500 | 3,728 |
| Average total loans | $110,957,250 | 3,392 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7026% | 4,524 |
| Cost of funding earning assets | 0.7430% | 5,711 |
| Net interest margin | 3.9596% | 3,041 |
| Noninterest income to average assets | 0.5771% | 3,288 |
| Noninterest expense to average assets | 4.1472% | 877 |
| Loan and lease loss provision to assets | 0.2458% | 3,446 |
| Net operating income to assets | -0.2727% | 6,537 |
| Return on assets (ROA) | -0.2236% | 6,531 |
| Pretax return on assets | -0.2236% | 6,474 |
| Return on Equity (ROE) | -2.4236% | 6,549 |
| Retained earnings to average equity (ytd only) | -2.4236% | 6,306 |
| Net charge-offs to loans | 0.1117% | 4,580 |
| Credit loss provision to net charge-offs | 333.3333% | 913 |
| Earnings coverage of net charge-offs (x) | -0.3651% | 5,484 |
| Efficiency ratio | 100.6534% | 704 |
| Assets per employee ($millions) | 2.2707% | 7,140 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1890% | 1,943 |
| Loan loss allowance to noncurrent loans | 26.0201% | 6,473 |
| Noncurrent assets plus other real estate owned to assets | 8.8015% | 485 |
| Noncurrent loans to loans | 8.4126% | 515 |
| Net loans and leases to total assets | 61.7536% | 3,942 |
| Net loans and leases to deposits | 68.7757% | 4,592 |
| Net loans and leases to core deposits | 70.3251% | 5,033 |
| Total domestic deposits to total assets | 89.7898% | 1,079 |
| Equity capital to assets | 9.5096% | 4,802 |
| Core capital (leverage) ratio | 9.4273% | 4,065 |
| Tier 1 risk-based capital ratio | 14.3706% | 3,887 |
| Total risk-based capital ratio | 15.6315% | 3,851 |
| Memoranda: | ||
| Average total assets | $170,862,000 | 3,520 |
| Average earning assets | $152,895,330 | 3,580 |
| Average equity | $15,762,000 | 3,774 |
| Average total loans | $112,804,670 | 3,390 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8399% | 3,868 |
| Cost of funding earning assets | 0.7672% | 5,769 |
| Net interest margin | 4.0727% | 2,374 |
| Noninterest income to average assets | 0.6282% | 2,974 |
| Noninterest expense to average assets | 4.2140% | 810 |
| Loan and lease loss provision to assets | 0.2470% | 3,187 |
| Net operating income to assets | -0.1859% | 6,545 |
| Return on assets (ROA) | -0.1388% | 6,515 |
| Pretax return on assets | -0.1388% | 6,483 |
| Return on Equity (ROE) | -1.5287% | 6,541 |
| Retained earnings to average equity (ytd only) | -1.5287% | 6,078 |
| Net charge-offs to loans | 0.2650% | 3,010 |
| Credit loss provision to net charge-offs | 138.1579% | 2,027 |
| Earnings coverage of net charge-offs (x) | 0.3421% | 4,357 |
| Efficiency ratio | 98.5691% | 805 |
| Assets per employee ($millions) | 2.2181% | 7,243 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0116% | 2,387 |
| Loan loss allowance to noncurrent loans | 31.3945% | 6,210 |
| Noncurrent assets plus other real estate owned to assets | 7.8989% | 608 |
| Noncurrent loans to loans | 6.4074% | 949 |
| Net loans and leases to total assets | 64.6563% | 3,320 |
| Net loans and leases to deposits | 71.7975% | 4,098 |
| Net loans and leases to core deposits | 73.4254% | 4,603 |
| Total domestic deposits to total assets | 90.0537% | 1,121 |
| Equity capital to assets | 9.1688% | 4,923 |
| Core capital (leverage) ratio | 9.4803% | 3,843 |
| Tier 1 risk-based capital ratio | 14.0964% | 4,005 |
| Total risk-based capital ratio | 15.3554% | 3,976 |
| Memoranda: | ||
| Average total assets | $170,006,500 | 3,558 |
| Average earning assets | $152,233,500 | 3,608 |
| Average equity | $15,437,500 | 3,822 |
| Average total loans | $114,729,500 | 3,374 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0844% | 4,170 |
| Cost of funding earning assets | 1.0781% | 5,272 |
| Net interest margin | 4.0063% | 2,997 |
| Noninterest income to average assets | 0.7223% | 2,694 |
| Noninterest expense to average assets | 4.2457% | 865 |
| Loan and lease loss provision to assets | 0.7644% | 2,144 |
| Net operating income to assets | -0.6918% | 6,510 |
| Return on assets (ROA) | -0.6326% | 6,501 |
| Pretax return on assets | -0.6326% | 6,420 |
| Return on Equity (ROE) | -8.0368% | 6,626 |
| Retained earnings to average equity (ytd only) | -8.0368% | 6,539 |
| Net charge-offs to loans | 1.2279% | 1,825 |
| Credit loss provision to net charge-offs | 89.2626% | 5,158 |
| Earnings coverage of net charge-offs (x) | 0.0847% | 6,035 |
| Efficiency ratio | 98.3197% | 858 |
| Assets per employee ($millions) | 2.2265% | 7,281 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9167% | 2,514 |
| Loan loss allowance to noncurrent loans | 34.8002% | 5,998 |
| Noncurrent assets plus other real estate owned to assets | 7.3592% | 719 |
| Noncurrent loans to loans | 5.5078% | 1,193 |
| Net loans and leases to total assets | 67.6786% | 3,060 |
| Net loans and leases to deposits | 75.2130% | 3,981 |
| Net loans and leases to core deposits | 77.2504% | 4,559 |
| Total domestic deposits to total assets | 89.9826% | 1,113 |
| Equity capital to assets | 8.9915% | 5,150 |
| Core capital (leverage) ratio | 8.9265% | 4,650 |
| Tier 1 risk-based capital ratio | 13.4316% | 4,269 |
| Total risk-based capital ratio | 14.6894% | 4,230 |
| Memoranda: | ||
| Average total assets | $180,536,800 | 3,365 |
| Average earning assets | $162,045,400 | 3,412 |
| Average equity | $14,209,600 | 4,102 |
| Average total loans | $125,905,800 | 3,201 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1096% | 4,268 |
| Cost of funding earning assets | 1.1251% | 5,283 |
| Net interest margin | 3.9845% | 3,172 |
| Noninterest income to average assets | 0.7089% | 2,774 |
| Noninterest expense to average assets | 4.2238% | 801 |
| Loan and lease loss provision to assets | 0.5126% | 2,895 |
| Net operating income to assets | -0.4508% | 6,560 |
| Return on assets (ROA) | -0.3737% | 6,538 |
| Pretax return on assets | -0.3737% | 6,471 |
| Return on Equity (ROE) | -4.9098% | 6,644 |
| Retained earnings to average equity (ytd only) | -4.9098% | 6,550 |
| Net charge-offs to loans | 0.8175% | 2,411 |
| Credit loss provision to net charge-offs | 89.6947% | 4,779 |
| Earnings coverage of net charge-offs (x) | 0.1081% | 5,911 |
| Efficiency ratio | 98.5579% | 802 |
| Assets per employee ($millions) | 2.3275% | 7,281 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9089% | 2,459 |
| Loan loss allowance to noncurrent loans | 41.9087% | 5,497 |
| Noncurrent assets plus other real estate owned to assets | 6.2028% | 947 |
| Noncurrent loans to loans | 4.5550% | 1,580 |
| Net loans and leases to total assets | 64.9201% | 3,922 |
| Net loans and leases to deposits | 73.0124% | 4,686 |
| Net loans and leases to core deposits | 77.0126% | 4,918 |
| Total domestic deposits to total assets | 88.9166% | 1,435 |
| Equity capital to assets | 9.2941% | 5,155 |
| Core capital (leverage) ratio | 9.2551% | 4,267 |
| Tier 1 risk-based capital ratio | 13.2358% | 4,395 |
| Total risk-based capital ratio | 14.4932% | 4,363 |
| Memoranda: | ||
| Average total assets | $183,367,000 | 3,372 |
| Average earning assets | $164,601,250 | 3,412 |
| Average equity | $13,958,250 | 4,211 |
| Average total loans | $128,192,000 | 3,202 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1470% | 4,207 |
| Cost of funding earning assets | 1.1768% | 5,257 |
| Net interest margin | 3.9702% | 3,159 |
| Noninterest income to average assets | 0.6114% | 3,247 |
| Noninterest expense to average assets | 4.1812% | 830 |
| Loan and lease loss provision to assets | 0.6878% | 2,105 |
| Net operating income to assets | -0.6517% | 6,779 |
| Return on assets (ROA) | -0.5873% | 6,761 |
| Pretax return on assets | -0.5873% | 6,652 |
| Return on Equity (ROE) | -8.3316% | 6,910 |
| Retained earnings to average equity (ytd only) | -8.3316% | 6,838 |
| Net charge-offs to loans | 1.0065% | 1,850 |
| Credit loss provision to net charge-offs | 96.0366% | 4,234 |
| Earnings coverage of net charge-offs (x) | 0.0503% | 5,666 |
| Efficiency ratio | 99.1457% | 835 |
| Assets per employee ($millions) | 2.2528% | 7,394 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8792% | 2,473 |
| Loan loss allowance to noncurrent loans | 46.9034% | 5,173 |
| Noncurrent assets plus other real estate owned to assets | 5.9819% | 985 |
| Noncurrent loans to loans | 4.0066% | 1,887 |
| Net loans and leases to total assets | 68.8920% | 3,151 |
| Net loans and leases to deposits | 74.8284% | 4,542 |
| Net loans and leases to core deposits | 78.8450% | 4,826 |
| Total domestic deposits to total assets | 92.0667% | 209 |
| Equity capital to assets | 7.1898% | 7,280 |
| Core capital (leverage) ratio | 7.0212% | 7,183 |
| Tier 1 risk-based capital ratio | 10.0088% | 7,020 |
| Total risk-based capital ratio | 11.2671% | 6,995 |
| Memoranda: | ||
| Average total assets | $183,199,670 | 3,397 |
| Average earning assets | $166,389,330 | 3,403 |
| Average equity | $12,914,670 | 4,454 |
| Average total loans | $130,359,000 | 3,194 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1597% | 4,245 |
| Cost of funding earning assets | 1.2656% | 5,039 |
| Net interest margin | 3.8941% | 3,357 |
| Noninterest income to average assets | 0.5111% | 3,964 |
| Noninterest expense to average assets | 3.9743% | 1,067 |
| Loan and lease loss provision to assets | 0.6281% | 2,020 |
| Net operating income to assets | -0.5393% | 6,857 |
| Return on assets (ROA) | -0.5328% | 6,882 |
| Pretax return on assets | -0.5328% | 6,810 |
| Return on Equity (ROE) | -7.6320% | 7,035 |
| Retained earnings to average equity (ytd only) | -7.6320% | 6,799 |
| Net charge-offs to loans | 1.4697% | 1,173 |
| Credit loss provision to net charge-offs | 59.6708% | 4,307 |
| Earnings coverage of net charge-offs (x) | 0.0844% | 4,958 |
| Efficiency ratio | 97.8145% | 932 |
| Assets per employee ($millions) | 2.3260% | 7,428 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6988% | 3,065 |
| Loan loss allowance to noncurrent loans | 33.5206% | 6,167 |
| Noncurrent assets plus other real estate owned to assets | 6.0096% | 998 |
| Noncurrent loans to loans | 5.0678% | 1,418 |
| Net loans and leases to total assets | 69.5319% | 3,047 |
| Net loans and leases to deposits | 75.3497% | 4,520 |
| Net loans and leases to core deposits | 80.2645% | 4,730 |
| Total domestic deposits to total assets | 92.2789% | 195 |
| Equity capital to assets | 6.9832% | 7,377 |
| Core capital (leverage) ratio | 6.9760% | 7,269 |
| Tier 1 risk-based capital ratio | 9.9978% | 7,039 |
| Total risk-based capital ratio | 11.2533% | 7,021 |
| Memoranda: | ||
| Average total assets | $184,686,000 | 3,434 |
| Average earning assets | $168,459,500 | 3,424 |
| Average equity | $12,893,000 | 4,504 |
| Average total loans | $132,268,500 | 3,217 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5116% | 4,085 |
| Cost of funding earning assets | 1.9131% | 3,388 |
| Net interest margin | 3.5985% | 4,555 |
| Noninterest income to average assets | 0.7429% | 2,722 |
| Noninterest expense to average assets | 3.6145% | 2,111 |
| Loan and lease loss provision to assets | 1.3031% | 1,772 |
| Net operating income to assets | -0.8066% | 6,440 |
| Return on assets (ROA) | -0.6803% | 6,342 |
| Pretax return on assets | -0.7055% | 6,197 |
| Return on Equity (ROE) | -9.2536% | 6,561 |
| Retained earnings to average equity (ytd only) | -16.4158% | 6,956 |
| Net charge-offs to loans | 0.7672% | 2,907 |
| Credit loss provision to net charge-offs | 239.8256% | 1,499 |
| Earnings coverage of net charge-offs (x) | 0.8576% | 5,252 |
| Efficiency ratio | 88.5806% | 1,832 |
| Assets per employee ($millions) | 2.4106% | 7,343 |
| Cash dividends to net income (ytd only)* | -77.3994% | 7,871 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7866% | 2,594 |
| Loan loss allowance to noncurrent loans | 28.1664% | 6,594 |
| Noncurrent assets plus other real estate owned to assets | 5.8702% | 968 |
| Noncurrent loans to loans | 6.3429% | 959 |
| Net loans and leases to total assets | 71.1986% | 2,955 |
| Net loans and leases to deposits | 77.1696% | 4,533 |
| Net loans and leases to core deposits | 100.1227% | 3,982 |
| Total domestic deposits to total assets | 92.2625% | 221 |
| Equity capital to assets | 6.9789% | 7,379 |
| Core capital (leverage) ratio | 6.9753% | 7,261 |
| Tier 1 risk-based capital ratio | 10.0031% | 6,870 |
| Total risk-based capital ratio | 11.2602% | 6,829 |
| Memoranda: | ||
| Average total assets | $189,927,600 | 3,286 |
| Average earning assets | $176,155,800 | 3,265 |
| Average equity | $13,962,200 | 4,260 |
| Average total loans | $134,507,200 | 3,182 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5452% | 4,183 |
| Cost of funding earning assets | 1.9996% | 3,360 |
| Net interest margin | 3.5456% | 4,688 |
| Noninterest income to average assets | 0.7343% | 2,800 |
| Noninterest expense to average assets | 3.4302% | 2,478 |
| Loan and lease loss provision to assets | 1.6613% | 1,128 |
| Net operating income to assets | -1.0119% | 6,841 |
| Return on assets (ROA) | -0.8544% | 6,728 |
| Pretax return on assets | -0.8921% | 6,604 |
| Return on Equity (ROE) | -11.4812% | 6,989 |
| Retained earnings to average equity (ytd only) | -20.8612% | 7,376 |
| Net charge-offs to loans | 0.9249% | 2,119 |
| Credit loss provision to net charge-offs | 255.0911% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.9293% | 5,127 |
| Efficiency ratio | 85.0026% | 2,185 |
| Assets per employee ($millions) | 2.4421% | 7,316 |
| Cash dividends to net income (ytd only)* | -81.6993% | 7,978 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7807% | 2,342 |
| Loan loss allowance to noncurrent loans | 28.9597% | 6,538 |
| Noncurrent assets plus other real estate owned to assets | 5.6541% | 992 |
| Noncurrent loans to loans | 6.1489% | 949 |
| Net loans and leases to total assets | 69.7282% | 3,575 |
| Net loans and leases to deposits | 75.9991% | 5,042 |
| Net loans and leases to core deposits | 100.1757% | 4,353 |
| Total domestic deposits to total assets | 91.7488% | 214 |
| Equity capital to assets | 6.8401% | 7,667 |
| Core capital (leverage) ratio | 6.7812% | 7,551 |
| Tier 1 risk-based capital ratio | 10.0310% | 6,946 |
| Total risk-based capital ratio | 11.2874% | 6,893 |
| Memoranda: | ||
| Average total assets | $191,005,500 | 3,303 |
| Average earning assets | $177,832,000 | 3,267 |
| Average equity | $14,214,250 | 4,238 |
| Average total loans | $134,494,000 | 3,215 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6097% | 4,021 |
| Cost of funding earning assets | 2.0719% | 3,413 |
| Net interest margin | 3.5379% | 4,624 |
| Noninterest income to average assets | 0.7114% | 2,920 |
| Noninterest expense to average assets | 3.3152% | 2,896 |
| Loan and lease loss provision to assets | 2.3695% | 669 |
| Net operating income to assets | -1.5834% | 7,283 |
| Return on assets (ROA) | -1.4165% | 7,214 |
| Pretax return on assets | -1.4928% | 7,086 |
| Return on Equity (ROE) | -18.5361% | 7,469 |
| Retained earnings to average equity (ytd only) | -31.3361% | 7,708 |
| Net charge-offs to loans | 1.1635% | 1,568 |
| Credit loss provision to net charge-offs | 290.0128% | 1,611 |
| Earnings coverage of net charge-offs (x) | 0.8579% | 4,896 |
| Efficiency ratio | 82.5475% | 2,660 |
| Assets per employee ($millions) | 2.4139% | 7,408 |
| Cash dividends to net income (ytd only)* | -69.0547% | 8,039 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7393% | 2,212 |
| Loan loss allowance to noncurrent loans | 26.9897% | 6,696 |
| Noncurrent assets plus other real estate owned to assets | 4.9065% | 1,099 |
| Noncurrent loans to loans | 6.4442% | 826 |
| Net loans and leases to total assets | 71.5291% | 3,338 |
| Net loans and leases to deposits | 77.2442% | 4,986 |
| Net loans and leases to core deposits | 101.5460% | 4,336 |
| Total domestic deposits to total assets | 92.6012% | 133 |
| Equity capital to assets | 6.4755% | 7,827 |
| Core capital (leverage) ratio | 6.7411% | 7,683 |
| Tier 1 risk-based capital ratio | 9.7236% | 7,210 |
| Total risk-based capital ratio | 10.9807% | 7,146 |
| Memoranda: | ||
| Average total assets | $191,180,330 | 3,329 |
| Average earning assets | $178,582,330 | 3,277 |
| Average equity | $14,609,330 | 4,181 |
| Average total loans | $134,249,670 | 3,262 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6830% | 3,888 |
| Cost of funding earning assets | 2.1771% | 3,280 |
| Net interest margin | 3.5059% | 4,706 |
| Noninterest income to average assets | 0.7045% | 2,864 |
| Noninterest expense to average assets | 3.3226% | 2,590 |
| Loan and lease loss provision to assets | 0.1577% | 4,913 |
| Net operating income to assets | 0.4613% | 4,611 |
| Return on assets (ROA) | 0.6813% | 3,839 |
| Pretax return on assets | 0.7507% | 4,255 |
| Return on Equity (ROE) | 8.2751% | 3,027 |
| Retained earnings to average equity (ytd only) | -5.7721% | 6,652 |
| Net charge-offs to loans | 0.2105% | 3,374 |
| Credit loss provision to net charge-offs | 108.6957% | 3,535 |
| Earnings coverage of net charge-offs (x) | 4.5942% | 2,852 |
| Efficiency ratio | 83.2894% | 2,380 |
| Assets per employee ($millions) | 2.4410% | 7,392 |
| Cash dividends to net income (ytd only)* | 169.7531% | 383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7298% | 7,360 |
| Loan loss allowance to noncurrent loans | 27.7157% | 6,710 |
| Noncurrent assets plus other real estate owned to assets | 1.8482% | 3,145 |
| Noncurrent loans to loans | 2.6330% | 2,498 |
| Net loans and leases to total assets | 69.0879% | 3,893 |
| Net loans and leases to deposits | 75.8791% | 5,242 |
| Net loans and leases to core deposits | 98.6198% | 4,684 |
| Total domestic deposits to total assets | 91.0499% | 402 |
| Equity capital to assets | 8.0824% | 6,693 |
| Core capital (leverage) ratio | 7.9262% | 6,575 |
| Tier 1 risk-based capital ratio | 11.7355% | 5,182 |
| Total risk-based capital ratio | 12.4853% | 5,573 |
| Memoranda: | ||
| Average total assets | $190,214,000 | 3,358 |
| Average earning assets | $178,216,000 | 3,303 |
| Average equity | $15,661,500 | 4,011 |
| Average total loans | $131,086,000 | 3,338 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2235% | 4,399 |
| Cost of funding earning assets | 2.4114% | 4,668 |
| Net interest margin | 3.8121% | 3,968 |
| Noninterest income to average assets | 0.8170% | 2,420 |
| Noninterest expense to average assets | 3.2389% | 3,191 |
| Loan and lease loss provision to assets | 0.0292% | 7,040 |
| Net operating income to assets | 0.9529% | 2,777 |
| Return on assets (ROA) | 0.9982% | 2,446 |
| Pretax return on assets | 1.0939% | 3,047 |
| Return on Equity (ROE) | 12.2996% | 1,515 |
| Retained earnings to average equity (ytd only) | 3.0716% | 3,250 |
| Net charge-offs to loans | 0.0133% | 6,720 |
| Credit loss provision to net charge-offs | 337.5000% | 1,342 |
| Earnings coverage of net charge-offs (x) | 124.0625% | 361 |
| Efficiency ratio | 75.1097% | 3,383 |
| Assets per employee ($millions) | 2.3753% | 7,443 |
| Cash dividends to net income (ytd only)* | 75.0271% | 1,941 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7412% | 7,324 |
| Loan loss allowance to noncurrent loans | 28.6438% | 6,786 |
| Noncurrent assets plus other real estate owned to assets | 1.7919% | 2,736 |
| Noncurrent loans to loans | 2.5875% | 2,092 |
| Net loans and leases to total assets | 67.7272% | 4,507 |
| Net loans and leases to deposits | 75.3769% | 5,676 |
| Net loans and leases to core deposits | 97.8655% | 5,054 |
| Total domestic deposits to total assets | 89.8514% | 711 |
| Equity capital to assets | 8.3851% | 6,284 |
| Core capital (leverage) ratio | 8.1228% | 6,293 |
| Tier 1 risk-based capital ratio | 12.0051% | 4,818 |
| Total risk-based capital ratio | 12.7563% | 5,128 |
| Memoranda: | ||
| Average total assets | $184,940,200 | 3,342 |
| Average earning assets | $169,566,800 | 3,342 |
| Average equity | $15,008,600 | 4,141 |
| Average total loans | $119,928,800 | 3,459 |