| 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 | 3.7496% | 4,238 |
| Cost of funding earning assets | 0.2435% | 5,016 |
| Net interest margin | 3.5060% | 3,473 |
| Noninterest income to average assets | 0.1048% | 6,011 |
| Noninterest expense to average assets | 3.4928% | 1,309 |
| Loan and lease loss provision to assets | -1.4390% | 6,336 |
| Net operating income to assets | 1.3959% | 1,097 |
| Return on assets (ROA) | 1.3959% | 1,133 |
| Pretax return on assets | 1.3959% | 1,997 |
| Return on Equity (ROE) | 23.3574% | 153 |
| Retained earnings to average equity (ytd only) | 23.3574% | 58 |
| Net charge-offs to loans | 0.0580% | 2,569 |
| Credit loss provision to net charge-offs | -3,181.8182% | 5,540 |
| Earnings coverage of net charge-offs (x) | -0.9545% | 3,767 |
| Efficiency ratio | 99.5232% | 333 |
| Assets per employee ($millions) | 5.3596% | 1,872 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.8415% | 320 |
| Loan loss allowance to noncurrent loans | 35.6270% | 5,367 |
| Noncurrent assets plus other real estate owned to assets | 6.7521% | 133 |
| Noncurrent loans to loans | 7.9757% | 85 |
| Net loans and leases to total assets | 73.4019% | 1,756 |
| Net loans and leases to deposits | 78.6383% | 2,952 |
| Net loans and leases to core deposits | 78.9056% | 3,492 |
| Total domestic deposits to total assets | 93.3411% | 47 |
| Equity capital to assets | 6.4122% | 6,250 |
| Core capital (leverage) ratio | 6.3610% | 6,254 |
| Tier 1 risk-based capital ratio | 9.5497% | 6,194 |
| Total risk-based capital ratio | 10.8231% | 6,162 |
| Memoranda: |
| Average total assets | $97,286,670 | 4,606 |
| Average earning assets | $92,811,000 | 4,539 |
| Average equity | $5,814,000 | 5,600 |
| Average total loans | $75,918,000 | 4,000 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8439% | 3,847 |
| Cost of funding earning assets | 0.2491% | 5,031 |
| Net interest margin | 3.5948% | 3,024 |
| Noninterest income to average assets | 0.0287% | 6,278 |
| Noninterest expense to average assets | 3.7137% | 991 |
| Loan and lease loss provision to assets | -1.4331% | 6,396 |
| Net operating income to assets | 1.1751% | 1,617 |
| Return on assets (ROA) | 1.1751% | 1,723 |
| Pretax return on assets | 1.1751% | 2,759 |
| Return on Equity (ROE) | 20.3980% | 253 |
| Retained earnings to average equity (ytd only) | 20.3980% | 97 |
| Net charge-offs to loans | 0.5837% | 424 |
| Credit loss provision to net charge-offs | -309.7345% | 4,718 |
| Earnings coverage of net charge-offs (x) | -0.5575% | 3,152 |
| Efficiency ratio | 105.6872% | 241 |
| Assets per employee ($millions) | 5.0494% | 2,288 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.0723% | 279 |
| Loan loss allowance to noncurrent loans | 36.4006% | 5,389 |
| Noncurrent assets plus other real estate owned to assets | 7.1369% | 126 |
| Noncurrent loans to loans | 8.4404% | 88 |
| Net loans and leases to total assets | 76.6203% | 1,121 |
| Net loans and leases to deposits | 81.7082% | 2,373 |
| Net loans and leases to core deposits | 81.9862% | 2,965 |
| Total domestic deposits to total assets | 93.7731% | 34 |
| Equity capital to assets | 6.0487% | 6,334 |
| Core capital (leverage) ratio | 5.8450% | 6,334 |
| Tier 1 risk-based capital ratio | 8.7560% | 6,331 |
| Total risk-based capital ratio | 10.0343% | 6,328 |
| Memoranda: |
| Average total assets | $97,693,500 | 4,630 |
| Average earning assets | $93,135,000 | 4,569 |
| Average equity | $5,628,000 | 5,697 |
| Average total loans | $77,435,000 | 3,982 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9441% | 3,950 |
| Cost of funding earning assets | 0.2843% | 4,964 |
| Net interest margin | 3.6598% | 3,183 |
| Noninterest income to average assets | 0.0930% | 6,180 |
| Noninterest expense to average assets | 3.5233% | 1,434 |
| Loan and lease loss provision to assets | -0.8030% | 6,480 |
| Net operating income to assets | 0.8392% | 3,181 |
| Return on assets (ROA) | 0.8392% | 3,270 |
| Pretax return on assets | 0.8392% | 4,112 |
| Return on Equity (ROE) | 17.0202% | 490 |
| Retained earnings to average equity (ytd only) | 17.0202% | 105 |
| Net charge-offs to loans | 0.0526% | 3,779 |
| Credit loss provision to net charge-offs | -1,863.6364% | 5,970 |
| Earnings coverage of net charge-offs (x) | 0.8409% | 4,554 |
| Efficiency ratio | 97.3590% | 449 |
| Assets per employee ($millions) | 5.2342% | 2,034 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.5340% | 180 |
| Loan loss allowance to noncurrent loans | 52.3720% | 5,030 |
| Noncurrent assets plus other real estate owned to assets | 6.4626% | 172 |
| Noncurrent loans to loans | 6.7479% | 150 |
| Net loans and leases to total assets | 76.6614% | 1,174 |
| Net loans and leases to deposits | 81.3997% | 2,556 |
| Net loans and leases to core deposits | 81.9845% | 3,110 |
| Total domestic deposits to total assets | 94.1789% | 28 |
| Equity capital to assets | 5.4832% | 6,439 |
| Core capital (leverage) ratio | 5.3738% | 6,442 |
| Tier 1 risk-based capital ratio | 7.7502% | 6,451 |
| Total risk-based capital ratio | 9.0351% | 6,449 |
| Memoranda: |
| Average total assets | $102,120,800 | 4,542 |
| Average earning assets | $96,727,800 | 4,488 |
| Average equity | $5,035,200 | 5,848 |
| Average total loans | $83,696,000 | 3,775 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9957% | 3,777 |
| Cost of funding earning assets | 0.2932% | 4,946 |
| Net interest margin | 3.7024% | 3,017 |
| Noninterest income to average assets | 0.0934% | 6,272 |
| Noninterest expense to average assets | 3.6034% | 1,292 |
| Loan and lease loss provision to assets | -1.0636% | 6,573 |
| Net operating income to assets | 1.0585% | 2,205 |
| Return on assets (ROA) | 1.0585% | 2,270 |
| Pretax return on assets | 1.0585% | 3,347 |
| Return on Equity (ROE) | 22.0650% | 186 |
| Retained earnings to average equity (ytd only) | 22.0650% | 51 |
| Net charge-offs to loans | 0.1838% | 1,987 |
| Credit loss provision to net charge-offs | -700.8547% | 5,818 |
| Earnings coverage of net charge-offs (x) | -0.0342% | 4,457 |
| Efficiency ratio | 98.5580% | 414 |
| Assets per employee ($millions) | 5.2114% | 2,000 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.3413% | 260 |
| Loan loss allowance to noncurrent loans | 52.4590% | 5,056 |
| Noncurrent assets plus other real estate owned to assets | 6.1000% | 226 |
| Noncurrent loans to loans | 6.3693% | 204 |
| Net loans and leases to total assets | 79.4680% | 776 |
| Net loans and leases to deposits | 84.3230% | 2,103 |
| Net loans and leases to core deposits | 84.9291% | 2,784 |
| Total domestic deposits to total assets | 94.2423% | 35 |
| Equity capital to assets | 5.4335% | 6,509 |
| Core capital (leverage) ratio | 5.3388% | 6,513 |
| Tier 1 risk-based capital ratio | 7.2915% | 6,529 |
| Total risk-based capital ratio | 8.5714% | 6,529 |
| Memoranda: |
| Average total assets | $102,788,750 | 4,576 |
| Average earning assets | $97,302,750 | 4,514 |
| Average equity | $4,930,750 | 5,929 |
| Average total loans | $84,862,000 | 3,781 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9791% | 3,822 |
| Cost of funding earning assets | 0.2989% | 4,980 |
| Net interest margin | 3.6802% | 3,032 |
| Noninterest income to average assets | 0.0942% | 6,304 |
| Noninterest expense to average assets | 3.5715% | 1,348 |
| Loan and lease loss provision to assets | -1.2398% | 6,641 |
| Net operating income to assets | 1.2418% | 1,473 |
| Return on assets (ROA) | 1.2418% | 1,532 |
| Pretax return on assets | 1.2418% | 2,494 |
| Return on Equity (ROE) | 27.0236% | 80 |
| Retained earnings to average equity (ytd only) | 27.0236% | 38 |
| Net charge-offs to loans | 0.0860% | 2,831 |
| Credit loss provision to net charge-offs | -1,743.2432% | 5,801 |
| Earnings coverage of net charge-offs (x) | 0.0270% | 4,124 |
| Efficiency ratio | 98.3862% | 448 |
| Assets per employee ($millions) | 5.3880% | 1,796 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.5425% | 240 |
| Loan loss allowance to noncurrent loans | 51.0292% | 5,132 |
| Noncurrent assets plus other real estate owned to assets | 6.4783% | 213 |
| Noncurrent loans to loans | 6.9420% | 180 |
| Net loans and leases to total assets | 79.1291% | 785 |
| Net loans and leases to deposits | 83.6666% | 2,065 |
| Net loans and leases to core deposits | 84.2444% | 2,715 |
| Total domestic deposits to total assets | 94.5766% | 33 |
| Equity capital to assets | 5.0981% | 6,584 |
| Core capital (leverage) ratio | 4.9858% | 6,587 |
| Tier 1 risk-based capital ratio | 6.8160% | 6,602 |
| Total risk-based capital ratio | 8.0998% | 6,602 |
| Memoranda: |
| Average total assets | $104,046,330 | 4,579 |
| Average earning assets | $98,365,000 | 4,515 |
| Average equity | $4,781,000 | 6,018 |
| Average total loans | $86,014,000 | 3,766 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0141% | 3,626 |
| Cost of funding earning assets | 0.2991% | 5,076 |
| Net interest margin | 3.7150% | 2,807 |
| Noninterest income to average assets | 0.1869% | 5,846 |
| Noninterest expense to average assets | 3.5697% | 1,360 |
| Loan and lease loss provision to assets | 0.0191% | 3,579 |
| Net operating income to assets | 0.1030% | 6,025 |
| Return on assets (ROA) | 0.1030% | 6,054 |
| Pretax return on assets | 0.1030% | 6,076 |
| Return on Equity (ROE) | 2.3674% | 5,684 |
| Retained earnings to average equity (ytd only) | 2.3674% | 4,652 |
| Net charge-offs to loans | -0.2022% | 6,386 |
| Credit loss provision to net charge-offs | -11.3636% | 4,677 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.1446% | 691 |
| Assets per employee ($millions) | 5.4177% | 1,785 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.3156% | 152 |
| Loan loss allowance to noncurrent loans | 54.9526% | 5,025 |
| Noncurrent assets plus other real estate owned to assets | 7.9379% | 168 |
| Noncurrent loans to loans | 7.8534% | 171 |
| Net loans and leases to total assets | 79.8236% | 569 |
| Net loans and leases to deposits | 83.7893% | 1,844 |
| Net loans and leases to core deposits | 84.3579% | 2,475 |
| Total domestic deposits to total assets | 95.2670% | 30 |
| Equity capital to assets | 4.4464% | 6,661 |
| Core capital (leverage) ratio | 4.3405% | 6,668 |
| Tier 1 risk-based capital ratio | 5.8651% | 6,682 |
| Total risk-based capital ratio | 7.1596% | 6,681 |
| Memoranda: |
| Average total assets | $104,883,500 | 4,606 |
| Average earning assets | $98,951,000 | 4,542 |
| Average equity | $4,562,000 | 6,112 |
| Average total loans | $87,030,500 | 3,770 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2268% | 3,240 |
| Cost of funding earning assets | 0.4477% | 4,139 |
| Net interest margin | 3.7791% | 2,726 |
| Noninterest income to average assets | 0.2503% | 5,555 |
| Noninterest expense to average assets | 3.4253% | 1,825 |
| Loan and lease loss provision to assets | 0.5239% | 526 |
| Net operating income to assets | -0.1118% | 6,314 |
| Return on assets (ROA) | -0.1118% | 6,331 |
| Pretax return on assets | -0.1118% | 6,297 |
| Return on Equity (ROE) | -3.0787% | 6,432 |
| Retained earnings to average equity (ytd only) | -3.0787% | 6,269 |
| Net charge-offs to loans | 1.4833% | 322 |
| Credit loss provision to net charge-offs | 42.3800% | 3,987 |
| Earnings coverage of net charge-offs (x) | 0.3333% | 4,971 |
| Efficiency ratio | 87.9623% | 1,223 |
| Assets per employee ($millions) | 5.6226% | 1,544 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.1469% | 183 |
| Loan loss allowance to noncurrent loans | 50.3650% | 5,242 |
| Noncurrent assets plus other real estate owned to assets | 7.7478% | 201 |
| Noncurrent loans to loans | 8.2336% | 181 |
| Net loans and leases to total assets | 79.1257% | 696 |
| Net loans and leases to deposits | 82.9482% | 2,070 |
| Net loans and leases to core deposits | 83.4872% | 2,724 |
| Total domestic deposits to total assets | 95.3917% | 38 |
| Equity capital to assets | 4.2563% | 6,736 |
| Core capital (leverage) ratio | 4.1432% | 6,746 |
| Tier 1 risk-based capital ratio | 5.6928% | 6,758 |
| Total risk-based capital ratio | 6.9856% | 6,759 |
| Memoranda: |
| Average total assets | $116,253,800 | 4,356 |
| Average earning assets | $110,344,200 | 4,251 |
| Average equity | $4,222,600 | 6,279 |
| Average total loans | $96,877,200 | 3,535 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2344% | 3,253 |
| Cost of funding earning assets | 0.4840% | 3,924 |
| Net interest margin | 3.7504% | 2,845 |
| Noninterest income to average assets | 0.1855% | 6,084 |
| Noninterest expense to average assets | 3.4993% | 1,615 |
| Loan and lease loss provision to assets | 1.1792% | 122 |
| Net operating income to assets | -0.9308% | 6,698 |
| Return on assets (ROA) | -0.9308% | 6,701 |
| Pretax return on assets | -0.9308% | 6,685 |
| Return on Equity (ROE) | -26.6563% | 6,799 |
| Retained earnings to average equity (ytd only) | -26.6563% | 6,789 |
| Net charge-offs to loans | 1.4161% | 347 |
| Credit loss provision to net charge-offs | 99.7148% | 2,391 |
| Earnings coverage of net charge-offs (x) | 0.2101% | 4,796 |
| Efficiency ratio | 92.0516% | 851 |
| Assets per employee ($millions) | 5.9998% | 1,243 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.8297% | 128 |
| Loan loss allowance to noncurrent loans | 59.7919% | 4,829 |
| Noncurrent assets plus other real estate owned to assets | 8.0503% | 220 |
| Noncurrent loans to loans | 8.0775% | 221 |
| Net loans and leases to total assets | 81.7799% | 383 |
| Net loans and leases to deposits | 85.0898% | 1,733 |
| Net loans and leases to core deposits | 85.6310% | 2,448 |
| Total domestic deposits to total assets | 96.1100% | 22 |
| Equity capital to assets | 3.5501% | 6,830 |
| Core capital (leverage) ratio | 3.4394% | 6,844 |
| Tier 1 risk-based capital ratio | 4.5052% | 6,859 |
| Total risk-based capital ratio | 5.8077% | 6,860 |
| Memoranda: |
| Average total assets | $118,609,750 | 4,346 |
| Average earning assets | $112,661,500 | 4,247 |
| Average equity | $4,141,500 | 6,368 |
| Average total loans | $99,049,750 | 3,499 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2852% | 3,017 |
| Cost of funding earning assets | 0.5023% | 3,875 |
| Net interest margin | 3.7829% | 2,623 |
| Noninterest income to average assets | 0.2030% | 5,993 |
| Noninterest expense to average assets | 3.3517% | 1,930 |
| Loan and lease loss provision to assets | 1.6767% | 69 |
| Net operating income to assets | -1.2247% | 6,780 |
| Return on assets (ROA) | -1.2247% | 6,783 |
| Pretax return on assets | -1.2247% | 6,771 |
| Return on Equity (ROE) | -35.2498% | 6,876 |
| Retained earnings to average equity (ytd only) | -35.2498% | 6,868 |
| Net charge-offs to loans | 1.7897% | 265 |
| Credit loss provision to net charge-offs | 113.1492% | 1,955 |
| Earnings coverage of net charge-offs (x) | 0.3050% | 4,438 |
| Efficiency ratio | 86.8704% | 1,328 |
| Assets per employee ($millions) | 6.3012% | 1,011 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.7380% | 144 |
| Loan loss allowance to noncurrent loans | 53.0904% | 5,074 |
| Noncurrent assets plus other real estate owned to assets | 7.9660% | 259 |
| Noncurrent loans to loans | 8.9245% | 204 |
| Net loans and leases to total assets | 77.3183% | 826 |
| Net loans and leases to deposits | 82.3359% | 2,015 |
| Net loans and leases to core deposits | 83.0793% | 2,686 |
| Total domestic deposits to total assets | 93.9059% | 65 |
| Equity capital to assets | 3.2709% | 6,891 |
| Core capital (leverage) ratio | 3.1560% | 6,899 |
| Tier 1 risk-based capital ratio | 4.3969% | 6,907 |
| Total risk-based capital ratio | 5.6982% | 6,908 |
| Memoranda: |
| Average total assets | $122,147,670 | 4,298 |
| Average earning assets | $116,259,670 | 4,195 |
| Average equity | $4,244,000 | 6,398 |
| Average total loans | $101,132,670 | 3,452 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5417% | 2,016 |
| Cost of funding earning assets | 0.5243% | 3,845 |
| Net interest margin | 4.0174% | 1,718 |
| Noninterest income to average assets | 0.1686% | 6,249 |
| Noninterest expense to average assets | 3.4954% | 1,633 |
| Loan and lease loss provision to assets | 2.6751% | 35 |
| Net operating income to assets | -2.1757% | 6,935 |
| Return on assets (ROA) | -2.1757% | 6,936 |
| Pretax return on assets | -2.1757% | 6,926 |
| Return on Equity (ROE) | -60.8893% | 6,980 |
| Retained earnings to average equity (ytd only) | -60.8893% | 6,975 |
| Net charge-offs to loans | 2.8202% | 135 |
| Credit loss provision to net charge-offs | 113.4801% | 1,664 |
| Earnings coverage of net charge-offs (x) | 0.2118% | 3,746 |
| Efficiency ratio | 86.2825% | 1,480 |
| Assets per employee ($millions) | 6.7623% | 863 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.5337% | 190 |
| Loan loss allowance to noncurrent loans | 53.4835% | 5,009 |
| Noncurrent assets plus other real estate owned to assets | 7.6502% | 343 |
| Noncurrent loans to loans | 8.4768% | 300 |
| Net loans and leases to total assets | 79.2831% | 495 |
| Net loans and leases to deposits | 84.5223% | 1,527 |
| Net loans and leases to core deposits | 85.6726% | 2,139 |
| Total domestic deposits to total assets | 93.8014% | 82 |
| Equity capital to assets | 3.3437% | 6,964 |
| Core capital (leverage) ratio | 3.1575% | 6,965 |
| Tier 1 risk-based capital ratio | 4.2826% | 6,973 |
| Total risk-based capital ratio | 5.5799% | 6,973 |
| Memoranda: |
| Average total assets | $123,360,500 | 4,322 |
| Average earning assets | $117,489,500 | 4,211 |
| Average equity | $4,408,000 | 6,417 |
| Average total loans | $103,113,500 | 3,434 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0482% | 5,150 |
| Cost of funding earning assets | 0.6493% | 3,920 |
| Net interest margin | 3.3989% | 4,887 |
| Noninterest income to average assets | 0.2256% | 5,826 |
| Noninterest expense to average assets | 3.1809% | 2,680 |
| Loan and lease loss provision to assets | 2.2691% | 71 |
| Net operating income to assets | -1.8980% | 6,916 |
| Return on assets (ROA) | -1.7604% | 6,917 |
| Pretax return on assets | -1.8608% | 6,912 |
| Return on Equity (ROE) | -39.2198% | 6,992 |
| Retained earnings to average equity (ytd only) | -39.2198% | 6,983 |
| Net charge-offs to loans | 4.0483% | 69 |
| Credit loss provision to net charge-offs | 66.2558% | 4,279 |
| Earnings coverage of net charge-offs (x) | 0.0769% | 5,452 |
| Efficiency ratio | 91.1050% | 980 |
| Assets per employee ($millions) | 6.9444% | 787 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.2658% | 237 |
| Loan loss allowance to noncurrent loans | 39.2663% | 5,663 |
| Noncurrent assets plus other real estate owned to assets | 9.5329% | 238 |
| Noncurrent loans to loans | 10.8637% | 194 |
| Net loans and leases to total assets | 80.5238% | 421 |
| Net loans and leases to deposits | 86.2022% | 1,492 |
| Net loans and leases to core deposits | 87.1576% | 2,175 |
| Total domestic deposits to total assets | 93.4127% | 98 |
| Equity capital to assets | 3.7968% | 7,012 |
| Core capital (leverage) ratio | 3.5995% | 7,010 |
| Tier 1 risk-based capital ratio | 4.8319% | 7,024 |
| Total risk-based capital ratio | 6.1262% | 7,024 |
| Memoranda: |
| Average total assets | $137,413,600 | 3,997 |
| Average earning assets | $130,130,800 | 3,890 |
| Average equity | $6,167,800 | 5,978 |
| Average total loans | $116,247,000 | 3,157 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9861% | 5,555 |
| Cost of funding earning assets | 0.6645% | 4,071 |
| Net interest margin | 3.3216% | 5,304 |
| Noninterest income to average assets | 0.1983% | 6,109 |
| Noninterest expense to average assets | 3.1255% | 2,808 |
| Loan and lease loss provision to assets | 1.7725% | 161 |
| Net operating income to assets | -1.4217% | 6,952 |
| Return on assets (ROA) | -1.3483% | 6,953 |
| Pretax return on assets | -1.4793% | 6,953 |
| Return on Equity (ROE) | -29.0441% | 7,059 |
| Retained earnings to average equity (ytd only) | -29.0441% | 7,050 |
| Net charge-offs to loans | 3.8031% | 100 |
| Credit loss provision to net charge-offs | 55.0221% | 4,277 |
| Earnings coverage of net charge-offs (x) | 0.0660% | 5,304 |
| Efficiency ratio | 92.3820% | 870 |
| Assets per employee ($millions) | 7.5072% | 592 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.0973% | 281 |
| Loan loss allowance to noncurrent loans | 36.6583% | 5,819 |
| Noncurrent assets plus other real estate owned to assets | 10.0814% | 240 |
| Noncurrent loans to loans | 11.1771% | 195 |
| Net loans and leases to total assets | 78.7420% | 645 |
| Net loans and leases to deposits | 86.6362% | 1,527 |
| Net loans and leases to core deposits | 87.5465% | 2,269 |
| Total domestic deposits to total assets | 90.8880% | 439 |
| Equity capital to assets | 4.3610% | 7,087 |
| Core capital (leverage) ratio | 4.0642% | 7,091 |
| Tier 1 risk-based capital ratio | 5.4672% | 7,104 |
| Total risk-based capital ratio | 6.7573% | 7,104 |
| Memoranda: |
| Average total assets | $140,517,250 | 3,979 |
| Average earning assets | $132,824,750 | 3,884 |
| Average equity | $6,523,250 | 5,953 |
| Average total loans | $119,024,000 | 3,140 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0074% | 5,619 |
| Cost of funding earning assets | 0.6890% | 4,103 |
| Net interest margin | 3.3184% | 5,398 |
| Noninterest income to average assets | 0.2024% | 6,108 |
| Noninterest expense to average assets | 3.1719% | 2,678 |
| Loan and lease loss provision to assets | 1.8171% | 176 |
| Net operating income to assets | -1.6527% | 7,036 |
| Return on assets (ROA) | -1.5487% | 7,037 |
| Pretax return on assets | -1.5487% | 7,011 |
| Return on Equity (ROE) | -32.7327% | 7,121 |
| Retained earnings to average equity (ytd only) | -32.7327% | 7,113 |
| Net charge-offs to loans | 3.6413% | 137 |
| Credit loss provision to net charge-offs | 58.3484% | 3,844 |
| Earnings coverage of net charge-offs (x) | 0.0528% | 5,057 |
| Efficiency ratio | 93.8500% | 809 |
| Assets per employee ($millions) | 7.7227% | 529 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.4094% | 249 |
| Loan loss allowance to noncurrent loans | 35.8386% | 5,878 |
| Noncurrent assets plus other real estate owned to assets | 11.1072% | 211 |
| Noncurrent loans to loans | 12.3035% | 162 |
| Net loans and leases to total assets | 80.3157% | 474 |
| Net loans and leases to deposits | 88.4892% | 1,325 |
| Net loans and leases to core deposits | 89.5755% | 2,024 |
| Total domestic deposits to total assets | 90.7632% | 540 |
| Equity capital to assets | 4.4846% | 7,114 |
| Core capital (leverage) ratio | 4.1702% | 7,121 |
| Tier 1 risk-based capital ratio | 5.5152% | 7,143 |
| Total risk-based capital ratio | 6.8095% | 7,144 |
| Memoranda: |
| Average total assets | $142,313,000 | 3,965 |
| Average earning assets | $134,400,330 | 3,878 |
| Average equity | $6,733,330 | 5,921 |
| Average total loans | $121,715,330 | 3,099 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0792% | 5,528 |
| Cost of funding earning assets | 0.7259% | 4,069 |
| Net interest margin | 3.3533% | 5,299 |
| Noninterest income to average assets | 0.2751% | 5,672 |
| Noninterest expense to average assets | 3.3175% | 2,239 |
| Loan and lease loss provision to assets | 2.2894% | 115 |
| Net operating income to assets | -2.1616% | 7,167 |
| Return on assets (ROA) | -1.9560% | 7,150 |
| Pretax return on assets | -1.9560% | 7,132 |
| Return on Equity (ROE) | -40.3265% | 7,200 |
| Retained earnings to average equity (ytd only) | -40.3265% | 7,185 |
| Net charge-offs to loans | 3.5337% | 184 |
| Credit loss provision to net charge-offs | 75.1139% | 2,820 |
| Earnings coverage of net charge-offs (x) | 0.0419% | 4,346 |
| Efficiency ratio | 95.1613% | 757 |
| Assets per employee ($millions) | 8.2718% | 428 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.7730% | 208 |
| Loan loss allowance to noncurrent loans | 37.9507% | 5,737 |
| Noncurrent assets plus other real estate owned to assets | 11.9449% | 207 |
| Noncurrent loans to loans | 12.5768% | 178 |
| Net loans and leases to total assets | 82.2900% | 263 |
| Net loans and leases to deposits | 92.6062% | 754 |
| Net loans and leases to core deposits | 94.0185% | 1,465 |
| Total domestic deposits to total assets | 88.8601% | 1,785 |
| Equity capital to assets | 4.7013% | 7,152 |
| Core capital (leverage) ratio | 4.3762% | 7,156 |
| Tier 1 risk-based capital ratio | 5.7030% | 7,182 |
| Total risk-based capital ratio | 7.0022% | 7,183 |
| Memoranda: |
| Average total assets | $143,965,000 | 3,973 |
| Average earning assets | $136,104,000 | 3,883 |
| Average equity | $6,983,000 | 5,879 |
| Average total loans | $124,175,000 | 3,057 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8763% | 6,645 |
| Cost of funding earning assets | 0.9316% | 3,859 |
| Net interest margin | 2.9446% | 6,617 |
| Noninterest income to average assets | -0.7122% | 7,293 |
| Noninterest expense to average assets | 4.7890% | 463 |
| Loan and lease loss provision to assets | 4.5873% | 32 |
| Net operating income to assets | -7.3456% | 7,337 |
| Return on assets (ROA) | -7.2463% | 7,338 |
| Pretax return on assets | -7.2463% | 7,340 |
| Return on Equity (ROE) | -84.7804% | 7,294 |
| Retained earnings to average equity (ytd only) | -84.7804% | 7,294 |
| Net charge-offs to loans | 2.9255% | 341 |
| Credit loss provision to net charge-offs | 192.7817% | 1,322 |
| Earnings coverage of net charge-offs (x) | -1.1592% | 6,216 |
| Efficiency ratio | 122.3106% | 290 |
| Assets per employee ($millions) | 7.0147% | 734 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.7882% | 200 |
| Loan loss allowance to noncurrent loans | 24.8212% | 6,439 |
| Noncurrent assets plus other real estate owned to assets | 17.3459% | 83 |
| Noncurrent loans to loans | 19.2907% | 56 |
| Net loans and leases to total assets | 81.9773% | 342 |
| Net loans and leases to deposits | 92.3439% | 938 |
| Net loans and leases to core deposits | 102.1641% | 1,014 |
| Total domestic deposits to total assets | 88.7739% | 1,675 |
| Equity capital to assets | 4.9929% | 7,168 |
| Core capital (leverage) ratio | 4.6635% | 7,168 |
| Tier 1 risk-based capital ratio | 6.2542% | 7,194 |
| Total risk-based capital ratio | 7.5570% | 7,191 |
| Memoranda: |
| Average total assets | $167,092,600 | 3,535 |
| Average earning assets | $155,638,800 | 3,480 |
| Average equity | $14,281,600 | 4,050 |
| Average total loans | $135,910,600 | 2,879 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8503% | 6,787 |
| Cost of funding earning assets | 0.9762% | 3,843 |
| Net interest margin | 2.8742% | 6,793 |
| Noninterest income to average assets | -0.5588% | 7,359 |
| Noninterest expense to average assets | 5.5599% | 251 |
| Loan and lease loss provision to assets | 5.3343% | 21 |
| Net operating income to assets | -8.7854% | 7,421 |
| Return on assets (ROA) | -8.6568% | 7,421 |
| Pretax return on assets | -8.6568% | 7,422 |
| Return on Equity (ROE) | -93.0040% | 7,371 |
| Retained earnings to average equity (ytd only) | -93.0040% | 7,371 |
| Net charge-offs to loans | 3.2257% | 271 |
| Credit loss provision to net charge-offs | 205.8929% | 1,422 |
| Earnings coverage of net charge-offs (x) | -1.3320% | 5,969 |
| Efficiency ratio | 122.6387% | 284 |
| Assets per employee ($millions) | 7.4689% | 581 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.5407% | 254 |
| Loan loss allowance to noncurrent loans | 25.2698% | 6,473 |
| Noncurrent assets plus other real estate owned to assets | 16.8010% | 92 |
| Noncurrent loans to loans | 17.9688% | 81 |
| Net loans and leases to total assets | 83.3731% | 261 |
| Net loans and leases to deposits | 94.4838% | 797 |
| Net loans and leases to core deposits | 104.7611% | 935 |
| Total domestic deposits to total assets | 88.2406% | 1,902 |
| Equity capital to assets | 5.5611% | 7,222 |
| Core capital (leverage) ratio | 5.2178% | 7,213 |
| Tier 1 risk-based capital ratio | 6.8397% | 7,255 |
| Total risk-based capital ratio | 8.1388% | 7,255 |
| Memoranda: |
| Average total assets | $172,038,500 | 3,482 |
| Average earning assets | $159,670,000 | 3,432 |
| Average equity | $16,013,250 | 3,736 |
| Average total loans | $138,180,000 | 2,850 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2855% | 6,062 |
| Cost of funding earning assets | 1.0256% | 3,779 |
| Net interest margin | 3.2599% | 5,971 |
| Noninterest income to average assets | -0.4410% | 7,422 |
| Noninterest expense to average assets | 2.4444% | 5,717 |
| Loan and lease loss provision to assets | 1.9210% | 333 |
| Net operating income to assets | -1.7941% | 7,161 |
| Return on assets (ROA) | -1.7328% | 7,156 |
| Pretax return on assets | -1.7328% | 7,121 |
| Return on Equity (ROE) | -16.7474% | 7,102 |
| Retained earnings to average equity (ytd only) | -16.7474% | 7,082 |
| Net charge-offs to loans | 2.2678% | 563 |
| Credit loss provision to net charge-offs | 108.0827% | 2,837 |
| Earnings coverage of net charge-offs (x) | 0.0714% | 5,237 |
| Efficiency ratio | 93.8068% | 991 |
| Assets per employee ($millions) | 7.0563% | 703 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8574% | 2,808 |
| Loan loss allowance to noncurrent loans | 19.4565% | 6,734 |
| Noncurrent assets plus other real estate owned to assets | 8.8958% | 473 |
| Noncurrent loans to loans | 9.5463% | 416 |
| Net loans and leases to total assets | 78.4086% | 716 |
| Net loans and leases to deposits | 94.6295% | 828 |
| Net loans and leases to core deposits | 107.8185% | 824 |
| Total domestic deposits to total assets | 82.8586% | 4,822 |
| Equity capital to assets | 10.4984% | 3,503 |
| Core capital (leverage) ratio | 8.2205% | 5,998 |
| Tier 1 risk-based capital ratio | 11.1839% | 6,388 |
| Total risk-based capital ratio | 12.4440% | 6,376 |
| Memoranda: |
| Average total assets | $179,592,000 | 3,376 |
| Average earning assets | $165,954,670 | 3,337 |
| Average equity | $18,582,000 | 3,321 |
| Average total loans | $140,751,670 | 2,832 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1358% | 6,428 |
| Cost of funding earning assets | 1.0790% | 3,661 |
| Net interest margin | 3.0568% | 6,446 |
| Noninterest income to average assets | -0.3227% | 7,462 |
| Noninterest expense to average assets | 2.4817% | 5,617 |
| Loan and lease loss provision to assets | 1.3535% | 494 |
| Net operating income to assets | -1.3296% | 7,144 |
| Return on assets (ROA) | -1.3296% | 7,149 |
| Pretax return on assets | -1.3296% | 7,106 |
| Return on Equity (ROE) | -12.9376% | 7,099 |
| Retained earnings to average equity (ytd only) | -12.9376% | 6,973 |
| Net charge-offs to loans | 1.4413% | 942 |
| Credit loss provision to net charge-offs | 120.8897% | 2,260 |
| Earnings coverage of net charge-offs (x) | 0.0213% | 4,566 |
| Efficiency ratio | 97.8392% | 840 |
| Assets per employee ($millions) | 8.9824% | 331 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7625% | 3,129 |
| Loan loss allowance to noncurrent loans | 16.9467% | 6,870 |
| Noncurrent assets plus other real estate owned to assets | 9.1958% | 469 |
| Noncurrent loans to loans | 10.4000% | 371 |
| Net loans and leases to total assets | 77.2877% | 831 |
| Net loans and leases to deposits | 94.4897% | 781 |
| Net loans and leases to core deposits | 108.2148% | 836 |
| Total domestic deposits to total assets | 81.7949% | 5,392 |
| Equity capital to assets | 10.3932% | 3,292 |
| Core capital (leverage) ratio | 8.2617% | 5,880 |
| Tier 1 risk-based capital ratio | 11.4644% | 6,129 |
| Total risk-based capital ratio | 12.7235% | 6,107 |
| Memoranda: |
| Average total assets | $184,713,000 | 3,327 |
| Average earning assets | $170,897,500 | 3,291 |
| Average equity | $18,983,500 | 3,261 |
| Average total loans | $143,478,500 | 2,815 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6388% | 5,991 |
| Cost of funding earning assets | 1.4236% | 3,117 |
| Net interest margin | 3.2151% | 6,232 |
| Noninterest income to average assets | -0.0564% | 7,361 |
| Noninterest expense to average assets | 2.3254% | 6,285 |
| Loan and lease loss provision to assets | 1.4144% | 1,061 |
| Net operating income to assets | -0.7394% | 6,543 |
| Return on assets (ROA) | -0.6545% | 6,520 |
| Pretax return on assets | -0.7216% | 6,471 |
| Return on Equity (ROE) | -6.4426% | 6,522 |
| Retained earnings to average equity (ytd only) | -6.4426% | 6,422 |
| Net charge-offs to loans | 1.8886% | 1,090 |
| Credit loss provision to net charge-offs | 92.9470% | 4,990 |
| Earnings coverage of net charge-offs (x) | 0.3940% | 5,713 |
| Efficiency ratio | 78.4668% | 2,624 |
| Assets per employee ($millions) | 6.5441% | 930 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6371% | 3,436 |
| Loan loss allowance to noncurrent loans | 17.2466% | 6,906 |
| Noncurrent assets plus other real estate owned to assets | 8.4103% | 564 |
| Noncurrent loans to loans | 9.4924% | 462 |
| Net loans and leases to total assets | 75.4757% | 1,383 |
| Net loans and leases to deposits | 93.3219% | 1,116 |
| Net loans and leases to core deposits | 106.5751% | 1,150 |
| Total domestic deposits to total assets | 80.8767% | 5,560 |
| Equity capital to assets | 10.1676% | 3,534 |
| Core capital (leverage) ratio | 8.1344% | 5,939 |
| Tier 1 risk-based capital ratio | 12.9893% | 4,601 |
| Total risk-based capital ratio | 14.2492% | 4,566 |
| Memoranda: |
| Average total assets | $198,459,600 | 3,122 |
| Average earning assets | $184,036,000 | 3,075 |
| Average equity | $20,162,600 | 3,127 |
| Average total loans | $159,903,200 | 2,620 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6930% | 6,046 |
| Cost of funding earning assets | 1.4999% | 2,984 |
| Net interest margin | 3.1931% | 6,365 |
| Noninterest income to average assets | -0.0133% | 7,467 |
| Noninterest expense to average assets | 2.3804% | 6,091 |
| Loan and lease loss provision to assets | 1.3922% | 966 |
| Net operating income to assets | -0.7276% | 6,747 |
| Return on assets (ROA) | -0.6732% | 6,762 |
| Pretax return on assets | -0.7616% | 6,712 |
| Return on Equity (ROE) | -6.6275% | 6,767 |
| Retained earnings to average equity (ytd only) | -6.6275% | 6,687 |
| Net charge-offs to loans | 2.1410% | 857 |
| Credit loss provision to net charge-offs | 79.8095% | 5,139 |
| Earnings coverage of net charge-offs (x) | 0.3261% | 5,701 |
| Efficiency ratio | 79.6981% | 2,389 |
| Assets per employee ($millions) | 6.6341% | 914 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3597% | 4,670 |
| Loan loss allowance to noncurrent loans | 20.1994% | 6,901 |
| Noncurrent assets plus other real estate owned to assets | 6.5035% | 877 |
| Noncurrent loans to loans | 6.7314% | 869 |
| Net loans and leases to total assets | 77.9430% | 1,045 |
| Net loans and leases to deposits | 98.2763% | 777 |
| Net loans and leases to core deposits | 111.8668% | 939 |
| Total domestic deposits to total assets | 79.3100% | 5,931 |
| Equity capital to assets | 10.2215% | 3,852 |
| Core capital (leverage) ratio | 8.1702% | 6,083 |
| Tier 1 risk-based capital ratio | 12.5766% | 4,918 |
| Total risk-based capital ratio | 13.8318% | 4,887 |
| Memoranda: |
| Average total assets | $200,629,750 | 3,127 |
| Average earning assets | $186,144,750 | 3,096 |
| Average equity | $20,379,250 | 3,140 |
| Average total loans | $163,473,750 | 2,610 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6710% | 6,244 |
| Cost of funding earning assets | 1.5732% | 2,811 |
| Net interest margin | 3.0978% | 6,614 |
| Noninterest income to average assets | -0.0620% | 7,599 |
| Noninterest expense to average assets | 2.3424% | 6,241 |
| Loan and lease loss provision to assets | 0.5409% | 2,617 |
| Net operating income to assets | -0.0625% | 6,171 |
| Return on assets (ROA) | 0.0216% | 6,148 |
| Pretax return on assets | 0.0236% | 6,116 |
| Return on Equity (ROE) | 0.2134% | 6,148 |
| Retained earnings to average equity (ytd only) | 0.2134% | 5,664 |
| Net charge-offs to loans | 1.4346% | 1,332 |
| Credit loss provision to net charge-offs | 45.8333% | 5,506 |
| Earnings coverage of net charge-offs (x) | 0.4008% | 5,332 |
| Efficiency ratio | 82.1516% | 2,143 |
| Assets per employee ($millions) | 5.8852% | 1,310 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2034% | 5,441 |
| Loan loss allowance to noncurrent loans | 12.5193% | 7,207 |
| Noncurrent assets plus other real estate owned to assets | 8.0491% | 606 |
| Noncurrent loans to loans | 9.6123% | 474 |
| Net loans and leases to total assets | 79.8842% | 816 |
| Net loans and leases to deposits | 101.0443% | 648 |
| Net loans and leases to core deposits | 122.0619% | 630 |
| Total domestic deposits to total assets | 79.0586% | 6,021 |
| Equity capital to assets | 10.3200% | 3,625 |
| Core capital (leverage) ratio | 8.4354% | 5,521 |
| Tier 1 risk-based capital ratio | 12.6726% | 4,712 |
| Total risk-based capital ratio | 13.9249% | 4,688 |
| Memoranda: |
| Average total assets | $203,377,000 | 3,119 |
| Average earning assets | $188,908,670 | 3,082 |
| Average equity | $20,617,330 | 3,090 |
| Average total loans | $167,291,670 | 2,594 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7441% | 6,096 |
| Cost of funding earning assets | 1.6587% | 2,608 |
| Net interest margin | 3.0855% | 6,633 |
| Noninterest income to average assets | -0.1034% | 7,760 |
| Noninterest expense to average assets | 2.2788% | 6,449 |
| Loan and lease loss provision to assets | 0.4878% | 2,547 |
| Net operating income to assets | -0.0059% | 6,303 |
| Return on assets (ROA) | 0.0098% | 6,371 |
| Pretax return on assets | 0.0020% | 6,349 |
| Return on Equity (ROE) | 0.0971% | 6,381 |
| Retained earnings to average equity (ytd only) | 0.0971% | 5,786 |
| Net charge-offs to loans | 1.8866% | 915 |
| Credit loss provision to net charge-offs | 31.1721% | 4,792 |
| Earnings coverage of net charge-offs (x) | 0.3030% | 4,772 |
| Efficiency ratio | 81.7151% | 2,312 |
| Assets per employee ($millions) | 5.7780% | 1,425 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2195% | 5,398 |
| Loan loss allowance to noncurrent loans | 10.1787% | 7,329 |
| Noncurrent assets plus other real estate owned to assets | 10.4520% | 365 |
| Noncurrent loans to loans | 11.9805% | 292 |
| Net loans and leases to total assets | 81.9127% | 606 |
| Net loans and leases to deposits | 104.4899% | 501 |
| Net loans and leases to core deposits | 127.2025% | 557 |
| Total domestic deposits to total assets | 78.3929% | 6,227 |
| Equity capital to assets | 10.1864% | 3,626 |
| Core capital (leverage) ratio | 8.3226% | 5,699 |
| Tier 1 risk-based capital ratio | 12.0713% | 5,122 |
| Total risk-based capital ratio | 13.3242% | 5,087 |
| Memoranda: |
| Average total assets | $205,017,500 | 3,155 |
| Average earning assets | $189,792,000 | 3,122 |
| Average equity | $20,601,000 | 3,120 |
| Average total loans | $170,041,500 | 2,605 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3415% | 4,981 |
| Cost of funding earning assets | 2.1139% | 2,393 |
| Net interest margin | 3.2276% | 6,003 |
| Noninterest income to average assets | 0.2022% | 6,657 |
| Noninterest expense to average assets | 2.2594% | 6,849 |
| Loan and lease loss provision to assets | 1.8980% | 1,176 |
| Net operating income to assets | -0.6019% | 6,269 |
| Return on assets (ROA) | -0.5288% | 6,207 |
| Pretax return on assets | -0.8276% | 6,291 |
| Return on Equity (ROE) | -5.2492% | 6,235 |
| Retained earnings to average equity (ytd only) | -5.6052% | 6,100 |
| Net charge-offs to loans | 1.3091% | 1,899 |
| Credit loss provision to net charge-offs | 173.3624% | 2,442 |
| Earnings coverage of net charge-offs (x) | 0.8734% | 5,231 |
| Efficiency ratio | 69.3726% | 4,757 |
| Assets per employee ($millions) | 6.2971% | 1,080 |
| Cash dividends to net income (ytd only)* | -6.7812% | 7,554 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5065% | 3,688 |
| Loan loss allowance to noncurrent loans | 17.2638% | 7,175 |
| Noncurrent assets plus other real estate owned to assets | 7.5701% | 635 |
| Noncurrent loans to loans | 8.7263% | 539 |
| Net loans and leases to total assets | 81.7059% | 735 |
| Net loans and leases to deposits | 108.0997% | 453 |
| Net loans and leases to core deposits | 132.3468% | 1,152 |
| Total domestic deposits to total assets | 75.5838% | 6,762 |
| Equity capital to assets | 9.9141% | 3,879 |
| Core capital (leverage) ratio | 8.0851% | 6,020 |
| Tier 1 risk-based capital ratio | 12.0466% | 4,905 |
| Total risk-based capital ratio | 13.3045% | 4,860 |
| Memoranda: |
| Average total assets | $209,171,600 | 3,069 |
| Average earning assets | $195,283,200 | 3,031 |
| Average equity | $21,069,800 | 3,063 |
| Average total loans | $174,932,600 | 2,573 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4251% | 4,825 |
| Cost of funding earning assets | 2.2154% | 2,331 |
| Net interest margin | 3.2097% | 5,981 |
| Noninterest income to average assets | 0.2342% | 6,549 |
| Noninterest expense to average assets | 2.2407% | 6,872 |
| Loan and lease loss provision to assets | 1.1264% | 1,739 |
| Net operating income to assets | -0.1126% | 5,908 |
| Return on assets (ROA) | 0.0395% | 5,667 |
| Pretax return on assets | 0.0267% | 5,656 |
| Return on Equity (ROE) | 0.3901% | 5,663 |
| Retained earnings to average equity (ytd only) | -0.0818% | 5,228 |
| Net charge-offs to loans | 1.0047% | 1,960 |
| Credit loss provision to net charge-offs | 133.7868% | 3,724 |
| Earnings coverage of net charge-offs (x) | 1.1890% | 4,875 |
| Efficiency ratio | 68.2371% | 4,925 |
| Assets per employee ($millions) | 6.5546% | 961 |
| Cash dividends to net income (ytd only)* | 120.9775% | 396 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7650% | 7,213 |
| Loan loss allowance to noncurrent loans | 12.4680% | 7,398 |
| Noncurrent assets plus other real estate owned to assets | 5.7299% | 971 |
| Noncurrent loans to loans | 6.1358% | 951 |
| Net loans and leases to total assets | 81.7996% | 846 |
| Net loans and leases to deposits | 113.4708% | 347 |
| Net loans and leases to core deposits | 134.0559% | 1,205 |
| Total domestic deposits to total assets | 72.0887% | 7,198 |
| Equity capital to assets | 9.9019% | 4,211 |
| Core capital (leverage) ratio | 8.1711% | 6,068 |
| Tier 1 risk-based capital ratio | 11.9561% | 5,014 |
| Total risk-based capital ratio | 12.8974% | 5,230 |
| Memoranda: |
| Average total assets | $209,513,250 | 3,094 |
| Average earning assets | $196,316,750 | 3,037 |
| Average equity | $21,186,750 | 3,075 |
| Average total loans | $175,569,250 | 2,599 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5298% | 4,444 |
| Cost of funding earning assets | 2.3607% | 2,121 |
| Net interest margin | 3.1692% | 6,025 |
| Noninterest income to average assets | 0.2799% | 6,266 |
| Noninterest expense to average assets | 2.3382% | 6,648 |
| Loan and lease loss provision to assets | 0.7672% | 2,156 |
| Net operating income to assets | 0.0804% | 5,621 |
| Return on assets (ROA) | 0.2046% | 5,324 |
| Pretax return on assets | 0.3378% | 5,105 |
| Return on Equity (ROE) | 2.0086% | 5,297 |
| Retained earnings to average equity (ytd only) | 1.2980% | 4,614 |
| Net charge-offs to loans | 0.7878% | 2,106 |
| Credit loss provision to net charge-offs | 115.5523% | 4,005 |
| Earnings coverage of net charge-offs (x) | 1.3721% | 4,500 |
| Efficiency ratio | 71.0722% | 4,581 |
| Assets per employee ($millions) | 6.3008% | 1,057 |
| Cash dividends to net income (ytd only)* | 35.3774% | 2,636 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5720% | 7,684 |
| Loan loss allowance to noncurrent loans | 13.2694% | 7,420 |
| Noncurrent assets plus other real estate owned to assets | 4.0009% | 1,485 |
| Noncurrent loans to loans | 4.3107% | 1,516 |
| Net loans and leases to total assets | 85.6050% | 426 |
| Net loans and leases to deposits | 116.9858% | 300 |
| Net loans and leases to core deposits | 138.4259% | 1,082 |
| Total domestic deposits to total assets | 73.1756% | 7,082 |
| Equity capital to assets | 10.1502% | 3,767 |
| Core capital (leverage) ratio | 8.3326% | 5,737 |
| Tier 1 risk-based capital ratio | 11.9409% | 4,967 |
| Total risk-based capital ratio | 12.6616% | 5,395 |
| Memoranda: |
| Average total assets | $207,250,000 | 3,138 |
| Average earning assets | $194,183,000 | 3,086 |
| Average equity | $21,109,670 | 3,084 |
| Average total loans | $174,659,330 | 2,643 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5379% | 4,709 |
| Cost of funding earning assets | 2.5231% | 1,829 |
| Net interest margin | 3.0149% | 6,442 |
| Noninterest income to average assets | 0.2069% | 6,814 |
| Noninterest expense to average assets | 2.3218% | 6,460 |
| Loan and lease loss provision to assets | 0.6670% | 1,895 |
| Net operating income to assets | 0.0142% | 6,221 |
| Return on assets (ROA) | 0.1392% | 6,028 |
| Pretax return on assets | 0.2339% | 5,864 |
| Return on Equity (ROE) | 1.3642% | 6,020 |
| Retained earnings to average equity (ytd only) | -0.0568% | 5,663 |
| Net charge-offs to loans | 1.0088% | 1,333 |
| Credit loss provision to net charge-offs | 79.3103% | 4,201 |
| Earnings coverage of net charge-offs (x) | 0.8391% | 4,355 |
| Efficiency ratio | 75.7344% | 3,530 |
| Assets per employee ($millions) | 6.4812% | 970 |
| Cash dividends to net income (ytd only)* | 104.1667% | 715 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4724% | 7,860 |
| Loan loss allowance to noncurrent loans | 13.1458% | 7,457 |
| Noncurrent assets plus other real estate owned to assets | 3.2575% | 1,694 |
| Noncurrent loans to loans | 3.5936% | 1,754 |
| Net loans and leases to total assets | 84.0091% | 688 |
| Net loans and leases to deposits | 117.6613% | 342 |
| Net loans and leases to core deposits | 139.7517% | 1,113 |
| Total domestic deposits to total assets | 71.3991% | 7,288 |
| Equity capital to assets | 10.1558% | 3,817 |
| Core capital (leverage) ratio | 8.2901% | 5,921 |
| Tier 1 risk-based capital ratio | 11.8679% | 5,066 |
| Total risk-based capital ratio | 12.4514% | 5,617 |
| Memoranda: |
| Average total assets | $206,912,000 | 3,159 |
| Average earning assets | $193,574,500 | 3,104 |
| Average equity | $21,112,000 | 3,106 |
| Average total loans | $172,479,500 | 2,680 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7454% | 6,618 |
| Cost of funding earning assets | 2.9713% | 1,979 |
| Net interest margin | 2.7741% | 7,374 |
| Noninterest income to average assets | 0.0892% | 7,692 |
| Noninterest expense to average assets | 2.0469% | 7,355 |
| Loan and lease loss provision to assets | 0.2315% | 4,579 |
| Net operating income to assets | 0.2462% | 5,721 |
| Return on assets (ROA) | 0.3764% | 5,059 |
| Pretax return on assets | 0.6192% | 4,629 |
| Return on Equity (ROE) | 3.6907% | 4,953 |
| Retained earnings to average equity (ytd only) | 3.3284% | 3,074 |
| Net charge-offs to loans | 0.0695% | 5,778 |
| Credit loss provision to net charge-offs | 408.6957% | 1,070 |
| Earnings coverage of net charge-offs (x) | 11.4261% | 2,374 |
| Efficiency ratio | 74.8766% | 3,418 |
| Assets per employee ($millions) | 6.2553% | 1,005 |
| Cash dividends to net income (ytd only)* | 9.8168% | 4,693 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5397% | 7,779 |
| Loan loss allowance to noncurrent loans | 23.2741% | 7,087 |
| Noncurrent assets plus other real estate owned to assets | 2.3345% | 2,081 |
| Noncurrent loans to loans | 2.3190% | 2,385 |
| Net loans and leases to total assets | 81.8607% | 1,255 |
| Net loans and leases to deposits | 117.3928% | 463 |
| Net loans and leases to core deposits | 141.3901% | 1,191 |
| Total domestic deposits to total assets | 69.7323% | 7,307 |
| Equity capital to assets | 10.2512% | 3,757 |
| Core capital (leverage) ratio | 8.3343% | 5,886 |
| Tier 1 risk-based capital ratio | 12.4817% | 4,451 |
| Total risk-based capital ratio | 13.1624% | 4,794 |
| Memoranda: |
| Average total assets | $202,988,800 | 3,103 |
| Average earning assets | $190,620,800 | 3,030 |
| Average equity | $20,700,800 | 3,134 |
| Average total loans | $165,458,000 | 2,692 |
