| 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 | 4.6770% | 2,904 |
| Cost of funding earning assets | 1.9230% | 39 |
| Net interest margin | 2.7540% | 6,574 |
| Noninterest income to average assets | 0.9843% | 1,546 |
| Noninterest expense to average assets | 3.5184% | 1,715 |
| Loan and lease loss provision to assets | 2.1823% | 91 |
| Net operating income to assets | -2.2154% | 7,063 |
| Return on assets (ROA) | -1.9986% | 7,046 |
| Pretax return on assets | -1.9986% | 7,031 |
| Return on Equity (ROE) | -158.7290% | 7,173 |
| Retained earnings to average equity (ytd only) | -158.7290% | 7,173 |
| Net charge-offs to loans | 4.7931% | 46 |
| Credit loss provision to net charge-offs | 74.2897% | 3,788 |
| Earnings coverage of net charge-offs (x) | -0.0113% | 5,336 |
| Efficiency ratio | 100.9500% | 511 |
| Assets per employee ($millions) | 4.7818% | 2,487 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2759% | 1,569 |
| Loan loss allowance to noncurrent loans | 22.8422% | 6,415 |
| Noncurrent assets plus other real estate owned to assets | 7.2261% | 488 |
| Noncurrent loans to loans | 9.9636% | 249 |
| Net loans and leases to total assets | 59.6897% | 3,843 |
| Net loans and leases to deposits | 67.1594% | 4,315 |
| Net loans and leases to core deposits | 72.5278% | 4,190 |
| Total domestic deposits to total assets | 88.8777% | 1,496 |
| Equity capital to assets | 0.4956% | 7,179 |
| Core capital (leverage) ratio | 1.1100% | 7,176 |
| Tier 1 risk-based capital ratio | 1.5181% | 7,176 |
| Total risk-based capital ratio | 2.7746% | 7,177 |
| Memoranda: |
| Average total assets | $487,250,750 | 1,381 |
| Average earning assets | $442,497,250 | 1,387 |
| Average equity | $6,135,250 | 6,057 |
| Average total loans | $298,616,500 | 1,419 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7770% | 2,595 |
| Cost of funding earning assets | 1.9692% | 43 |
| Net interest margin | 2.8078% | 6,564 |
| Noninterest income to average assets | 1.0590% | 1,289 |
| Noninterest expense to average assets | 3.4274% | 1,965 |
| Loan and lease loss provision to assets | 2.1040% | 129 |
| Net operating income to assets | -1.9377% | 7,063 |
| Return on assets (ROA) | -2.0182% | 7,079 |
| Pretax return on assets | -2.0182% | 7,067 |
| Return on Equity (ROE) | -135.9179% | 7,218 |
| Retained earnings to average equity (ytd only) | -135.9179% | 7,216 |
| Net charge-offs to loans | 4.9276% | 66 |
| Credit loss provision to net charge-offs | 69.6002% | 3,572 |
| Earnings coverage of net charge-offs (x) | 0.0550% | 5,053 |
| Efficiency ratio | 95.3718% | 731 |
| Assets per employee ($millions) | 4.5136% | 2,879 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2721% | 1,638 |
| Loan loss allowance to noncurrent loans | 23.8143% | 6,405 |
| Noncurrent assets plus other real estate owned to assets | 6.7982% | 590 |
| Noncurrent loans to loans | 9.5409% | 292 |
| Net loans and leases to total assets | 59.1187% | 3,968 |
| Net loans and leases to deposits | 66.0660% | 4,502 |
| Net loans and leases to core deposits | 70.9300% | 4,422 |
| Total domestic deposits to total assets | 89.4843% | 1,230 |
| Equity capital to assets | 0.7794% | 7,236 |
| Core capital (leverage) ratio | 1.5205% | 7,232 |
| Tier 1 risk-based capital ratio | 2.0428% | 7,234 |
| Total risk-based capital ratio | 3.2996% | 7,234 |
| Memoranda: |
| Average total assets | $501,431,000 | 1,347 |
| Average earning assets | $452,664,330 | 1,363 |
| Average equity | $7,445,670 | 5,725 |
| Average total loans | $307,612,670 | 1,371 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7402% | 2,887 |
| Cost of funding earning assets | 1.9723% | 53 |
| Net interest margin | 2.7679% | 6,679 |
| Noninterest income to average assets | 1.0081% | 1,406 |
| Noninterest expense to average assets | 3.3893% | 2,033 |
| Loan and lease loss provision to assets | 0.0587% | 4,677 |
| Net operating income to assets | 0.1543% | 6,108 |
| Return on assets (ROA) | 0.0885% | 6,383 |
| Pretax return on assets | 0.0885% | 6,398 |
| Return on Equity (ROE) | 4.8673% | 4,850 |
| Retained earnings to average equity (ytd only) | 4.8673% | 3,634 |
| Net charge-offs to loans | 1.8748% | 509 |
| Credit loss provision to net charge-offs | 5.0744% | 3,957 |
| Earnings coverage of net charge-offs (x) | 0.1840% | 4,279 |
| Efficiency ratio | 94.0857% | 817 |
| Assets per employee ($millions) | 4.8833% | 2,414 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4398% | 1,444 |
| Loan loss allowance to noncurrent loans | 35.3578% | 5,890 |
| Noncurrent assets plus other real estate owned to assets | 5.1982% | 983 |
| Noncurrent loans to loans | 6.9002% | 657 |
| Net loans and leases to total assets | 61.1234% | 3,426 |
| Net loans and leases to deposits | 69.0536% | 3,863 |
| Net loans and leases to core deposits | 74.0426% | 3,897 |
| Total domestic deposits to total assets | 88.5158% | 2,003 |
| Equity capital to assets | 1.9264% | 7,285 |
| Core capital (leverage) ratio | 2.4494% | 7,259 |
| Tier 1 risk-based capital ratio | 3.2852% | 7,269 |
| Total risk-based capital ratio | 4.5440% | 7,271 |
| Memoranda: |
| Average total assets | $510,669,500 | 1,331 |
| Average earning assets | $478,631,500 | 1,296 |
| Average equity | $9,286,500 | 5,217 |
| Average total loans | $315,342,000 | 1,348 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0588% | 2,613 |
| Cost of funding earning assets | 2.1758% | 58 |
| Net interest margin | 2.8830% | 6,716 |
| Noninterest income to average assets | 1.1381% | 1,014 |
| Noninterest expense to average assets | 4.0374% | 984 |
| Loan and lease loss provision to assets | 0.7684% | 1,295 |
| Net operating income to assets | -1.0155% | 6,746 |
| Return on assets (ROA) | -0.9826% | 6,759 |
| Pretax return on assets | -0.9815% | 6,726 |
| Return on Equity (ROE) | -40.4538% | 7,165 |
| Retained earnings to average equity (ytd only) | -40.4538% | 7,161 |
| Net charge-offs to loans | 1.7288% | 876 |
| Credit loss provision to net charge-offs | 71.3299% | 4,805 |
| Earnings coverage of net charge-offs (x) | -0.2283% | 5,974 |
| Efficiency ratio | 86.3089% | 1,520 |
| Assets per employee ($millions) | 5.0782% | 2,093 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.7798% | 999 |
| Loan loss allowance to noncurrent loans | 44.1406% | 5,360 |
| Noncurrent assets plus other real estate owned to assets | 4.9759% | 1,078 |
| Noncurrent loans to loans | 6.2976% | 770 |
| Net loans and leases to total assets | 59.2159% | 4,147 |
| Net loans and leases to deposits | 67.0314% | 4,574 |
| Net loans and leases to core deposits | 72.9128% | 4,388 |
| Total domestic deposits to total assets | 88.3406% | 1,945 |
| Equity capital to assets | 1.7178% | 7,333 |
| Core capital (leverage) ratio | 2.3138% | 7,301 |
| Tier 1 risk-based capital ratio | 3.1858% | 7,308 |
| Total risk-based capital ratio | 4.4483% | 7,310 |
| Memoranda: |
| Average total assets | $564,646,200 | 1,171 |
| Average earning assets | $519,667,200 | 1,150 |
| Average equity | $13,714,400 | 4,185 |
| Average total loans | $351,872,600 | 1,204 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1871% | 2,254 |
| Cost of funding earning assets | 2.2160% | 59 |
| Net interest margin | 2.9711% | 6,634 |
| Noninterest income to average assets | 1.3162% | 755 |
| Noninterest expense to average assets | 3.2957% | 2,509 |
| Loan and lease loss provision to assets | 1.0083% | 848 |
| Net operating income to assets | -0.2686% | 6,455 |
| Return on assets (ROA) | -0.2977% | 6,550 |
| Pretax return on assets | -0.2977% | 6,488 |
| Return on Equity (ROE) | -11.4821% | 6,934 |
| Retained earnings to average equity (ytd only) | -11.4821% | 6,901 |
| Net charge-offs to loans | 1.8507% | 714 |
| Credit loss provision to net charge-offs | 86.9713% | 3,888 |
| Earnings coverage of net charge-offs (x) | 0.6380% | 5,147 |
| Efficiency ratio | 81.6711% | 2,022 |
| Assets per employee ($millions) | 5.1287% | 2,023 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.9681% | 883 |
| Loan loss allowance to noncurrent loans | 54.5316% | 4,732 |
| Noncurrent assets plus other real estate owned to assets | 4.2114% | 1,451 |
| Noncurrent loans to loans | 5.4429% | 1,094 |
| Net loans and leases to total assets | 60.3506% | 4,072 |
| Net loans and leases to deposits | 69.3898% | 4,406 |
| Net loans and leases to core deposits | 76.7932% | 4,083 |
| Total domestic deposits to total assets | 86.9733% | 2,676 |
| Equity capital to assets | 2.5259% | 7,379 |
| Core capital (leverage) ratio | 2.2661% | 7,384 |
| Tier 1 risk-based capital ratio | 3.3102% | 7,387 |
| Total risk-based capital ratio | 4.5776% | 7,388 |
| Memoranda: |
| Average total assets | $573,775,250 | 1,160 |
| Average earning assets | $525,139,750 | 1,145 |
| Average equity | $14,875,000 | 3,944 |
| Average total loans | $359,421,000 | 1,191 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3227% | 1,810 |
| Cost of funding earning assets | 2.2619% | 60 |
| Net interest margin | 3.0608% | 6,492 |
| Noninterest income to average assets | 1.6176% | 499 |
| Noninterest expense to average assets | 3.2325% | 2,799 |
| Loan and lease loss provision to assets | 0.2398% | 3,517 |
| Net operating income to assets | 0.9212% | 2,552 |
| Return on assets (ROA) | 0.9667% | 2,470 |
| Pretax return on assets | 0.9667% | 3,371 |
| Return on Equity (ROE) | 36.9953% | 41 |
| Retained earnings to average equity (ytd only) | 36.9953% | 25 |
| Net charge-offs to loans | 0.8780% | 1,766 |
| Credit loss provision to net charge-offs | 43.5053% | 4,748 |
| Earnings coverage of net charge-offs (x) | 2.1063% | 3,793 |
| Efficiency ratio | 73.5750% | 3,446 |
| Assets per employee ($millions) | 5.0790% | 2,014 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.7852% | 1,090 |
| Loan loss allowance to noncurrent loans | 77.4723% | 3,648 |
| Noncurrent assets plus other real estate owned to assets | 3.2332% | 2,072 |
| Noncurrent loans to loans | 3.5950% | 1,962 |
| Net loans and leases to total assets | 62.2139% | 3,846 |
| Net loans and leases to deposits | 72.4027% | 4,054 |
| Net loans and leases to core deposits | 79.8788% | 3,802 |
| Total domestic deposits to total assets | 85.9275% | 3,366 |
| Equity capital to assets | 3.1161% | 7,428 |
| Core capital (leverage) ratio | 2.9126% | 7,425 |
| Tier 1 risk-based capital ratio | 4.1194% | 7,428 |
| Total risk-based capital ratio | 5.3838% | 7,428 |
| Memoranda: |
| Average total assets | $583,818,670 | 1,141 |
| Average earning assets | $529,464,670 | 1,152 |
| Average equity | $15,256,000 | 3,864 |
| Average total loans | $366,518,330 | 1,185 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3457% | 1,734 |
| Cost of funding earning assets | 2.2725% | 68 |
| Net interest margin | 3.0733% | 6,411 |
| Noninterest income to average assets | 2.3583% | 294 |
| Noninterest expense to average assets | 3.2275% | 2,791 |
| Loan and lease loss provision to assets | 0.4655% | 1,893 |
| Net operating income to assets | 1.4345% | 1,008 |
| Return on assets (ROA) | 1.6048% | 731 |
| Pretax return on assets | 1.6048% | 1,181 |
| Return on Equity (ROE) | 67.3200% | 20 |
| Retained earnings to average equity (ytd only) | 67.3200% | 14 |
| Net charge-offs to loans | -0.2138% | 7,270 |
| Credit loss provision to net charge-offs | -350.0000% | 5,901 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9442% | 5,531 |
| Assets per employee ($millions) | 5.3461% | 1,722 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.1667% | 791 |
| Loan loss allowance to noncurrent loans | 66.5403% | 4,093 |
| Noncurrent assets plus other real estate owned to assets | 3.8753% | 1,726 |
| Noncurrent loans to loans | 4.7591% | 1,444 |
| Net loans and leases to total assets | 60.7975% | 4,117 |
| Net loans and leases to deposits | 69.9911% | 4,341 |
| Net loans and leases to core deposits | 78.0595% | 4,008 |
| Total domestic deposits to total assets | 86.8646% | 3,015 |
| Equity capital to assets | 2.6565% | 7,500 |
| Core capital (leverage) ratio | 2.6154% | 7,496 |
| Tier 1 risk-based capital ratio | 3.9339% | 7,492 |
| Total risk-based capital ratio | 5.2034% | 7,492 |
| Memoranda: |
| Average total assets | $601,462,000 | 1,114 |
| Average earning assets | $541,966,500 | 1,129 |
| Average equity | $14,337,500 | 4,038 |
| Average total loans | $374,257,500 | 1,180 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6968% | 1,580 |
| Cost of funding earning assets | 2.5811% | 80 |
| Net interest margin | 3.1157% | 6,478 |
| Noninterest income to average assets | 0.5555% | 3,785 |
| Noninterest expense to average assets | 3.3564% | 2,564 |
| Loan and lease loss provision to assets | 2.7737% | 368 |
| Net operating income to assets | -2.7732% | 7,242 |
| Return on assets (ROA) | -3.0703% | 7,325 |
| Pretax return on assets | -3.0703% | 7,309 |
| Return on Equity (ROE) | -85.2819% | 7,565 |
| Retained earnings to average equity (ytd only) | -85.2819% | 7,563 |
| Net charge-offs to loans | 3.4664% | 416 |
| Credit loss provision to net charge-offs | 120.5225% | 3,497 |
| Earnings coverage of net charge-offs (x) | 0.0002% | 6,130 |
| Efficiency ratio | 93.7548% | 1,072 |
| Assets per employee ($millions) | 5.4885% | 1,593 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.7926% | 1,067 |
| Loan loss allowance to noncurrent loans | 50.2563% | 4,982 |
| Noncurrent assets plus other real estate owned to assets | 4.2907% | 1,555 |
| Noncurrent loans to loans | 5.5568% | 1,178 |
| Net loans and leases to total assets | 59.9744% | 4,690 |
| Net loans and leases to deposits | 69.9220% | 4,824 |
| Net loans and leases to core deposits | 78.5258% | 4,394 |
| Total domestic deposits to total assets | 85.7733% | 3,464 |
| Equity capital to assets | 2.1275% | 7,611 |
| Core capital (leverage) ratio | 2.1478% | 7,605 |
| Tier 1 risk-based capital ratio | 3.1914% | 7,596 |
| Total risk-based capital ratio | 4.4566% | 7,599 |
| Memoranda: |
| Average total assets | $618,676,400 | 1,078 |
| Average earning assets | $556,239,600 | 1,093 |
| Average equity | $22,273,200 | 2,851 |
| Average total loans | $410,745,000 | 1,096 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7855% | 1,443 |
| Cost of funding earning assets | 2.6411% | 80 |
| Net interest margin | 3.1444% | 6,496 |
| Noninterest income to average assets | 0.4268% | 4,744 |
| Noninterest expense to average assets | 2.7132% | 4,826 |
| Loan and lease loss provision to assets | 2.2936% | 485 |
| Net operating income to assets | -1.7657% | 7,178 |
| Return on assets (ROA) | -1.5869% | 7,139 |
| Pretax return on assets | -1.5869% | 7,069 |
| Return on Equity (ROE) | -39.9782% | 7,491 |
| Retained earnings to average equity (ytd only) | -39.9782% | 7,487 |
| Net charge-offs to loans | 2.8500% | 563 |
| Credit loss provision to net charge-offs | 119.1041% | 3,474 |
| Earnings coverage of net charge-offs (x) | 0.2741% | 5,751 |
| Efficiency ratio | 83.7126% | 1,864 |
| Assets per employee ($millions) | 5.4393% | 1,682 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3641% | 1,522 |
| Loan loss allowance to noncurrent loans | 48.3410% | 5,073 |
| Noncurrent assets plus other real estate owned to assets | 3.8504% | 1,837 |
| Noncurrent loans to loans | 4.8904% | 1,436 |
| Net loans and leases to total assets | 61.4575% | 4,640 |
| Net loans and leases to deposits | 72.7646% | 4,729 |
| Net loans and leases to core deposits | 82.0261% | 4,246 |
| Total domestic deposits to total assets | 84.4607% | 3,893 |
| Equity capital to assets | 3.8038% | 7,653 |
| Core capital (leverage) ratio | 3.4994% | 7,646 |
| Tier 1 risk-based capital ratio | 4.8358% | 7,647 |
| Total risk-based capital ratio | 6.0951% | 7,651 |
| Memoranda: |
| Average total assets | $618,295,250 | 1,084 |
| Average earning assets | $553,396,750 | 1,100 |
| Average equity | $24,542,750 | 2,645 |
| Average total loans | $417,769,250 | 1,080 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.8485% | 1,306 |
| Cost of funding earning assets | 2.7014% | 91 |
| Net interest margin | 3.1471% | 6,470 |
| Noninterest income to average assets | 0.5880% | 3,427 |
| Noninterest expense to average assets | 2.6832% | 4,979 |
| Loan and lease loss provision to assets | 0.4982% | 2,804 |
| Net operating income to assets | 0.2188% | 5,497 |
| Return on assets (ROA) | 0.4100% | 4,869 |
| Pretax return on assets | 0.4181% | 5,167 |
| Return on Equity (ROE) | 10.1806% | 2,033 |
| Retained earnings to average equity (ytd only) | 10.1806% | 805 |
| Net charge-offs to loans | 0.4907% | 3,070 |
| Credit loss provision to net charge-offs | 146.7757% | 2,689 |
| Earnings coverage of net charge-offs (x) | 2.1251% | 3,959 |
| Efficiency ratio | 78.8140% | 2,603 |
| Assets per employee ($millions) | 5.9331% | 1,276 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9776% | 2,236 |
| Loan loss allowance to noncurrent loans | 43.3237% | 5,432 |
| Noncurrent assets plus other real estate owned to assets | 3.4765% | 2,020 |
| Noncurrent loans to loans | 4.5646% | 1,588 |
| Net loans and leases to total assets | 62.6658% | 4,542 |
| Net loans and leases to deposits | 74.5600% | 4,588 |
| Net loans and leases to core deposits | 84.2602% | 4,106 |
| Total domestic deposits to total assets | 84.0474% | 4,087 |
| Equity capital to assets | 4.0335% | 7,693 |
| Core capital (leverage) ratio | 4.2463% | 7,666 |
| Tier 1 risk-based capital ratio | 5.4114% | 7,678 |
| Total risk-based capital ratio | 6.6670% | 7,679 |
| Memoranda: |
| Average total assets | $612,262,330 | 1,099 |
| Average earning assets | $547,933,330 | 1,113 |
| Average equity | $24,654,670 | 2,626 |
| Average total loans | $423,498,330 | 1,076 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.8417% | 1,343 |
| Cost of funding earning assets | 2.7104% | 113 |
| Net interest margin | 3.1313% | 6,513 |
| Noninterest income to average assets | 0.5688% | 3,498 |
| Noninterest expense to average assets | 2.7524% | 4,681 |
| Loan and lease loss provision to assets | 0.4898% | 2,541 |
| Net operating income to assets | 0.2222% | 5,608 |
| Return on assets (ROA) | 0.6175% | 3,958 |
| Pretax return on assets | 0.6303% | 4,489 |
| Return on Equity (ROE) | 15.3484% | 816 |
| Retained earnings to average equity (ytd only) | 15.3484% | 382 |
| Net charge-offs to loans | 0.6610% | 2,170 |
| Credit loss provision to net charge-offs | 102.8369% | 3,321 |
| Earnings coverage of net charge-offs (x) | 1.5050% | 3,831 |
| Efficiency ratio | 79.3379% | 2,667 |
| Assets per employee ($millions) | 5.2492% | 1,916 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8266% | 2,652 |
| Loan loss allowance to noncurrent loans | 45.4301% | 5,324 |
| Noncurrent assets plus other real estate owned to assets | 3.5010% | 2,008 |
| Noncurrent loans to loans | 4.0207% | 1,947 |
| Net loans and leases to total assets | 71.8012% | 2,500 |
| Net loans and leases to deposits | 87.1880% | 2,374 |
| Net loans and leases to core deposits | 102.0353% | 1,902 |
| Total domestic deposits to total assets | 82.3521% | 4,911 |
| Equity capital to assets | 4.2158% | 7,780 |
| Core capital (leverage) ratio | 4.3463% | 7,750 |
| Tier 1 risk-based capital ratio | 5.3419% | 7,781 |
| Total risk-based capital ratio | 6.5961% | 7,784 |
| Memoranda: |
| Average total assets | $592,073,500 | 1,171 |
| Average earning assets | $548,404,000 | 1,141 |
| Average equity | $23,820,000 | 2,736 |
| Average total loans | $426,631,000 | 1,102 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.8652% | 2,389 |
| Cost of funding earning assets | 3.1915% | 130 |
| Net interest margin | 2.6737% | 7,244 |
| Noninterest income to average assets | 0.4664% | 4,676 |
| Noninterest expense to average assets | 3.6518% | 2,025 |
| Loan and lease loss provision to assets | 1.3149% | 1,752 |
| Net operating income to assets | -2.0425% | 7,111 |
| Return on assets (ROA) | -4.0641% | 7,613 |
| Pretax return on assets | -4.0641% | 7,540 |
| Return on Equity (ROE) | -70.4797% | 7,813 |
| Retained earnings to average equity (ytd only) | -70.4797% | 7,811 |
| Net charge-offs to loans | 1.2600% | 1,962 |
| Credit loss provision to net charge-offs | 155.4932% | 2,920 |
| Earnings coverage of net charge-offs (x) | -0.8604% | 6,850 |
| Efficiency ratio | 93.0504% | 1,479 |
| Assets per employee ($millions) | 5.4188% | 1,725 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8178% | 2,490 |
| Loan loss allowance to noncurrent loans | 51.5333% | 4,931 |
| Noncurrent assets plus other real estate owned to assets | 2.9025% | 2,415 |
| Noncurrent loans to loans | 3.5273% | 2,155 |
| Net loans and leases to total assets | 69.7200% | 3,317 |
| Net loans and leases to deposits | 86.7925% | 2,777 |
| Net loans and leases to core deposits | 112.7983% | 2,616 |
| Total domestic deposits to total assets | 80.3296% | 5,574 |
| Equity capital to assets | 3.8365% | 7,872 |
| Core capital (leverage) ratio | 4.0893% | 7,837 |
| Tier 1 risk-based capital ratio | 5.0779% | 7,864 |
| Total risk-based capital ratio | 6.3318% | 7,866 |
| Memoranda: |
| Average total assets | $631,823,600 | 1,098 |
| Average earning assets | $580,801,200 | 1,088 |
| Average equity | $36,433,200 | 1,847 |
| Average total loans | $424,048,400 | 1,134 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.8416% | 2,697 |
| Cost of funding earning assets | 3.2924% | 145 |
| Net interest margin | 2.5492% | 7,407 |
| Noninterest income to average assets | 0.4012% | 5,273 |
| Noninterest expense to average assets | 2.5352% | 5,952 |
| Loan and lease loss provision to assets | 0.9492% | 2,029 |
| Net operating income to assets | -0.7425% | 6,639 |
| Return on assets (ROA) | -1.3821% | 7,049 |
| Pretax return on assets | -1.3821% | 6,905 |
| Return on Equity (ROE) | -22.2191% | 7,450 |
| Retained earnings to average equity (ytd only) | -22.2191% | 7,418 |
| Net charge-offs to loans | 0.5802% | 2,939 |
| Credit loss provision to net charge-offs | 247.1227% | 1,751 |
| Earnings coverage of net charge-offs (x) | 0.5380% | 5,496 |
| Efficiency ratio | 92.0830% | 1,536 |
| Assets per employee ($millions) | 5.5264% | 1,591 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7409% | 2,478 |
| Loan loss allowance to noncurrent loans | 46.1950% | 5,238 |
| Noncurrent assets plus other real estate owned to assets | 2.9474% | 2,346 |
| Noncurrent loans to loans | 3.7685% | 1,972 |
| Net loans and leases to total assets | 69.0920% | 3,692 |
| Net loans and leases to deposits | 89.5935% | 2,653 |
| Net loans and leases to core deposits | 114.8830% | 2,742 |
| Total domestic deposits to total assets | 77.1172% | 6,310 |
| Equity capital to assets | 6.3000% | 7,806 |
| Core capital (leverage) ratio | 6.6841% | 7,592 |
| Tier 1 risk-based capital ratio | 7.1138% | 7,885 |
| Total risk-based capital ratio | 8.3645% | 7,888 |
| Memoranda: |
| Average total assets | $639,407,750 | 1,098 |
| Average earning assets | $587,107,250 | 1,091 |
| Average equity | $39,772,500 | 1,711 |
| Average total loans | $423,280,250 | 1,153 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.8069% | 3,014 |
| Cost of funding earning assets | 3.3986% | 151 |
| Net interest margin | 2.4083% | 7,563 |
| Noninterest income to average assets | 0.4663% | 4,739 |
| Noninterest expense to average assets | 2.5173% | 6,063 |
| Loan and lease loss provision to assets | 0.7857% | 2,122 |
| Net operating income to assets | -0.6271% | 6,683 |
| Return on assets (ROA) | -1.6054% | 7,295 |
| Pretax return on assets | -1.6054% | 7,135 |
| Return on Equity (ROE) | -25.9141% | 7,644 |
| Retained earnings to average equity (ytd only) | -25.9141% | 7,610 |
| Net charge-offs to loans | 0.0409% | 5,892 |
| Credit loss provision to net charge-offs | 2,960.4651% | 174 |
| Earnings coverage of net charge-offs (x) | 5.9767% | 2,714 |
| Efficiency ratio | 93.4956% | 1,534 |
| Assets per employee ($millions) | 5.8942% | 1,274 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7030% | 2,338 |
| Loan loss allowance to noncurrent loans | 44.7506% | 5,382 |
| Noncurrent assets plus other real estate owned to assets | 2.7020% | 2,376 |
| Noncurrent loans to loans | 3.8056% | 1,800 |
| Net loans and leases to total assets | 65.8185% | 4,598 |
| Net loans and leases to deposits | 85.3121% | 3,679 |
| Net loans and leases to core deposits | 107.5013% | 3,665 |
| Total domestic deposits to total assets | 77.1502% | 6,285 |
| Equity capital to assets | 5.8988% | 7,945 |
| Core capital (leverage) ratio | 7.1280% | 7,431 |
| Tier 1 risk-based capital ratio | 6.9663% | 8,013 |
| Total risk-based capital ratio | 8.2167% | 8,020 |
| Memoranda: |
| Average total assets | $648,067,000 | 1,101 |
| Average earning assets | $594,606,330 | 1,089 |
| Average equity | $40,148,000 | 1,692 |
| Average total loans | $420,593,670 | 1,185 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.9185% | 2,711 |
| Cost of funding earning assets | 3.5826% | 120 |
| Net interest margin | 2.3359% | 7,681 |
| Noninterest income to average assets | 0.4478% | 4,797 |
| Noninterest expense to average assets | 2.4306% | 6,094 |
| Loan and lease loss provision to assets | 0.2332% | 4,114 |
| Net operating income to assets | -0.0481% | 6,331 |
| Return on assets (ROA) | 0.0395% | 6,308 |
| Pretax return on assets | 0.0402% | 6,298 |
| Return on Equity (ROE) | 0.7828% | 6,194 |
| Retained earnings to average equity (ytd only) | 0.7828% | 5,347 |
| Net charge-offs to loans | 0.0829% | 4,337 |
| Credit loss provision to net charge-offs | 460.2941% | 1,158 |
| Earnings coverage of net charge-offs (x) | 3.6324% | 3,114 |
| Efficiency ratio | 92.2485% | 1,551 |
| Assets per employee ($millions) | 7.2906% | 681 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0977% | 5,489 |
| Loan loss allowance to noncurrent loans | 53.6773% | 4,978 |
| Noncurrent assets plus other real estate owned to assets | 1.2672% | 4,144 |
| Noncurrent loans to loans | 2.0450% | 3,204 |
| Net loans and leases to total assets | 61.2831% | 5,450 |
| Net loans and leases to deposits | 81.4937% | 4,370 |
| Net loans and leases to core deposits | 102.8001% | 4,257 |
| Total domestic deposits to total assets | 75.1998% | 6,664 |
| Equity capital to assets | 5.4275% | 8,077 |
| Core capital (leverage) ratio | 5.8418% | 8,031 |
| Tier 1 risk-based capital ratio | 7.3383% | 8,070 |
| Total risk-based capital ratio | 8.1931% | 8,107 |
| Memoranda: |
| Average total assets | $536,827,500 | 1,319 |
| Average earning assets | $497,966,500 | 1,300 |
| Average equity | $27,082,000 | 2,483 |
| Average total loans | $328,157,000 | 1,531 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.2847% | 4,050 |
| Cost of funding earning assets | 3.7327% | 243 |
| Net interest margin | 2.5520% | 7,693 |
| Noninterest income to average assets | 0.4049% | 5,428 |
| Noninterest expense to average assets | 2.4694% | 6,135 |
| Loan and lease loss provision to assets | 0.4412% | 3,085 |
| Net operating income to assets | -0.1237% | 6,526 |
| Return on assets (ROA) | -0.9069% | 7,112 |
| Pretax return on assets | -0.9069% | 6,944 |
| Return on Equity (ROE) | -16.4202% | 7,641 |
| Retained earnings to average equity (ytd only) | -16.4202% | 7,536 |
| Net charge-offs to loans | 0.5376% | 2,217 |
| Credit loss provision to net charge-offs | 137.8411% | 3,863 |
| Earnings coverage of net charge-offs (x) | 0.9921% | 5,631 |
| Efficiency ratio | 84.6138% | 1,998 |
| Assets per employee ($millions) | 6.2958% | 993 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0336% | 5,756 |
| Loan loss allowance to noncurrent loans | 72.2080% | 4,451 |
| Noncurrent assets plus other real estate owned to assets | 0.8633% | 4,689 |
| Noncurrent loans to loans | 1.4314% | 3,657 |
| Net loans and leases to total assets | 59.6855% | 5,960 |
| Net loans and leases to deposits | 79.5369% | 5,126 |
| Net loans and leases to core deposits | 100.0876% | 4,817 |
| Total domestic deposits to total assets | 75.0413% | 6,446 |
| Equity capital to assets | 4.6687% | 8,218 |
| Core capital (leverage) ratio | 6.0558% | 8,063 |
| Tier 1 risk-based capital ratio | 8.5174% | 7,986 |
| Total risk-based capital ratio | 9.4384% | 8,089 |
| Memoranda: |
| Average total assets | $515,146,600 | 1,308 |
| Average earning assets | $480,833,800 | 1,281 |
| Average equity | $28,452,800 | 2,376 |
| Average total loans | $306,733,600 | 1,580 |
