| 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 | 3.7380% | 5,066 |
| Cost of funding earning assets | 0.7286% | 1,745 |
| Net interest margin | 3.0093% | 5,568 |
| Noninterest income to average assets | 0.3459% | 4,922 |
| Noninterest expense to average assets | 2.7755% | 3,745 |
| Loan and lease loss provision to assets | -0.0070% | 6,461 |
| Net operating income to assets | 0.2301% | 5,837 |
| Return on assets (ROA) | 0.2280% | 5,924 |
| Pretax return on assets | 0.3174% | 5,829 |
| Return on Equity (ROE) | 2.0033% | 5,938 |
| Retained earnings to average equity (ytd only) | 2.0033% | 5,128 |
| Net charge-offs to loans | -0.0054% | 5,788 |
| Credit loss provision to net charge-offs | 215.3846% | 1,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.8817% | 1,002 |
| Assets per employee ($millions) | 5.3204% | 1,827 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8147% | 6,250 |
| Loan loss allowance to noncurrent loans | 17.8342% | 6,291 |
| Noncurrent assets plus other real estate owned to assets | 3.2589% | 1,084 |
| Noncurrent loans to loans | 4.5683% | 704 |
| Net loans and leases to total assets | 62.0824% | 3,342 |
| Net loans and leases to deposits | 76.0035% | 2,965 |
| Net loans and leases to core deposits | 77.6392% | 3,402 |
| Total domestic deposits to total assets | 81.6836% | 5,033 |
| Equity capital to assets | 11.9757% | 1,935 |
| Core capital (leverage) ratio | 11.5876% | 1,968 |
| Tier 1 risk-based capital ratio | 21.1753% | 1,462 |
| Total risk-based capital ratio | 22.1117% | 1,493 |
| Memoranda: |
| Average total assets | $1,602,379,250 | 435 |
| Average earning assets | $1,460,046,500 | 427 |
| Average equity | $182,359,500 | 420 |
| Average total loans | $968,019,750 | 438 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7485% | 4,993 |
| Cost of funding earning assets | 0.7412% | 1,761 |
| Net interest margin | 3.0073% | 5,559 |
| Noninterest income to average assets | 0.3823% | 4,653 |
| Noninterest expense to average assets | 2.8596% | 3,480 |
| Loan and lease loss provision to assets | 0.0181% | 4,532 |
| Net operating income to assets | 0.2012% | 5,884 |
| Return on assets (ROA) | 0.1993% | 6,018 |
| Pretax return on assets | 0.2468% | 6,009 |
| Return on Equity (ROE) | 1.7803% | 6,022 |
| Retained earnings to average equity (ytd only) | 1.7803% | 5,125 |
| Net charge-offs to loans | -0.0111% | 5,793 |
| Credit loss provision to net charge-offs | -272.2222% | 5,800 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.4677% | 936 |
| Assets per employee ($millions) | 5.7339% | 1,391 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8396% | 6,279 |
| Loan loss allowance to noncurrent loans | 18.7725% | 6,329 |
| Noncurrent assets plus other real estate owned to assets | 3.0939% | 1,296 |
| Noncurrent loans to loans | 4.4726% | 782 |
| Net loans and leases to total assets | 60.1331% | 3,632 |
| Net loans and leases to deposits | 73.0576% | 3,292 |
| Net loans and leases to core deposits | 74.6475% | 3,708 |
| Total domestic deposits to total assets | 82.3092% | 4,944 |
| Equity capital to assets | 11.5045% | 2,288 |
| Core capital (leverage) ratio | 11.1038% | 2,258 |
| Tier 1 risk-based capital ratio | 20.6623% | 1,579 |
| Total risk-based capital ratio | 21.6144% | 1,615 |
| Memoranda: |
| Average total assets | $1,623,976,670 | 426 |
| Average earning assets | $1,481,873,330 | 421 |
| Average equity | $181,767,000 | 422 |
| Average total loans | $969,889,000 | 436 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7742% | 4,906 |
| Cost of funding earning assets | 0.7549% | 1,806 |
| Net interest margin | 3.0192% | 5,516 |
| Noninterest income to average assets | 0.4551% | 4,088 |
| Noninterest expense to average assets | 2.6934% | 4,092 |
| Loan and lease loss provision to assets | -0.0329% | 6,769 |
| Net operating income to assets | 0.3711% | 5,258 |
| Return on assets (ROA) | 0.3701% | 5,391 |
| Pretax return on assets | 0.5530% | 5,106 |
| Return on Equity (ROE) | 3.3516% | 5,413 |
| Retained earnings to average equity (ytd only) | 3.3516% | 4,240 |
| Net charge-offs to loans | -0.0103% | 5,450 |
| Credit loss provision to net charge-offs | 540.0000% | 497 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.7881% | 1,796 |
| Assets per employee ($millions) | 5.4255% | 1,737 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8003% | 6,457 |
| Loan loss allowance to noncurrent loans | 17.9142% | 6,391 |
| Noncurrent assets plus other real estate owned to assets | 3.0964% | 1,430 |
| Noncurrent loans to loans | 4.4677% | 936 |
| Net loans and leases to total assets | 59.2145% | 3,570 |
| Net loans and leases to deposits | 71.6676% | 3,227 |
| Net loans and leases to core deposits | 73.2405% | 3,672 |
| Total domestic deposits to total assets | 82.6238% | 4,979 |
| Equity capital to assets | 11.2001% | 2,738 |
| Core capital (leverage) ratio | 10.8126% | 2,446 |
| Tier 1 risk-based capital ratio | 19.6721% | 1,860 |
| Total risk-based capital ratio | 20.5453% | 1,929 |
| Memoranda: |
| Average total assets | $1,641,814,000 | 428 |
| Average earning assets | $1,500,514,000 | 419 |
| Average equity | $181,287,500 | 427 |
| Average total loans | $973,242,500 | 437 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8855% | 5,614 |
| Cost of funding earning assets | 0.8952% | 1,963 |
| Net interest margin | 2.9903% | 6,071 |
| Noninterest income to average assets | 0.3821% | 4,735 |
| Noninterest expense to average assets | 2.6205% | 4,670 |
| Loan and lease loss provision to assets | 0.3798% | 1,723 |
| Net operating income to assets | 0.1080% | 6,000 |
| Return on assets (ROA) | 0.1251% | 6,101 |
| Pretax return on assets | 0.1567% | 6,058 |
| Return on Equity (ROE) | 1.1920% | 6,091 |
| Retained earnings to average equity (ytd only) | 1.1920% | 5,277 |
| Net charge-offs to loans | 0.3656% | 2,804 |
| Credit loss provision to net charge-offs | 188.7529% | 1,387 |
| Earnings coverage of net charge-offs (x) | 2.5565% | 4,136 |
| Efficiency ratio | 83.5911% | 1,679 |
| Assets per employee ($millions) | 5.2738% | 1,928 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8089% | 6,470 |
| Loan loss allowance to noncurrent loans | 16.9500% | 6,452 |
| Noncurrent assets plus other real estate owned to assets | 3.3131% | 1,386 |
| Noncurrent loans to loans | 4.7723% | 863 |
| Net loans and leases to total assets | 58.3956% | 3,900 |
| Net loans and leases to deposits | 70.4562% | 3,646 |
| Net loans and leases to core deposits | 72.3381% | 4,004 |
| Total domestic deposits to total assets | 82.8822% | 4,768 |
| Equity capital to assets | 10.8864% | 3,080 |
| Core capital (leverage) ratio | 10.4450% | 2,831 |
| Tier 1 risk-based capital ratio | 19.2128% | 1,891 |
| Total risk-based capital ratio | 20.0934% | 1,970 |
| Memoranda: |
| Average total assets | $1,705,693,200 | 403 |
| Average earning assets | $1,570,186,800 | 394 |
| Average equity | $179,034,200 | 418 |
| Average total loans | $938,631,400 | 442 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9192% | 5,740 |
| Cost of funding earning assets | 0.9245% | 2,018 |
| Net interest margin | 2.9947% | 6,181 |
| Noninterest income to average assets | 0.3775% | 4,803 |
| Noninterest expense to average assets | 2.4996% | 5,090 |
| Loan and lease loss provision to assets | 0.4048% | 1,579 |
| Net operating income to assets | 0.1725% | 5,982 |
| Return on assets (ROA) | 0.1924% | 6,102 |
| Pretax return on assets | 0.2627% | 6,017 |
| Return on Equity (ROE) | 1.8494% | 6,070 |
| Retained earnings to average equity (ytd only) | 1.8494% | 5,411 |
| Net charge-offs to loans | 0.3874% | 2,544 |
| Credit loss provision to net charge-offs | 193.1137% | 1,437 |
| Earnings coverage of net charge-offs (x) | 3.0507% | 3,812 |
| Efficiency ratio | 79.6292% | 2,148 |
| Assets per employee ($millions) | 5.3842% | 1,748 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7723% | 6,655 |
| Loan loss allowance to noncurrent loans | 14.6226% | 6,602 |
| Noncurrent assets plus other real estate owned to assets | 3.4648% | 1,450 |
| Noncurrent loans to loans | 5.2814% | 829 |
| Net loans and leases to total assets | 56.2551% | 4,407 |
| Net loans and leases to deposits | 68.3427% | 4,125 |
| Net loans and leases to core deposits | 70.2149% | 4,479 |
| Total domestic deposits to total assets | 82.3132% | 4,914 |
| Equity capital to assets | 10.7298% | 3,573 |
| Core capital (leverage) ratio | 10.3829% | 3,060 |
| Tier 1 risk-based capital ratio | 19.6063% | 1,852 |
| Total risk-based capital ratio | 20.4365% | 1,925 |
| Memoranda: |
| Average total assets | $1,718,121,000 | 400 |
| Average earning assets | $1,584,374,500 | 387 |
| Average equity | $178,723,500 | 421 |
| Average total loans | $929,562,500 | 445 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9897% | 5,672 |
| Cost of funding earning assets | 0.9591% | 2,002 |
| Net interest margin | 3.0306% | 6,174 |
| Noninterest income to average assets | 0.3390% | 5,113 |
| Noninterest expense to average assets | 2.4932% | 5,156 |
| Loan and lease loss provision to assets | 0.2900% | 2,261 |
| Net operating income to assets | 0.2574% | 5,743 |
| Return on assets (ROA) | 0.2618% | 5,919 |
| Pretax return on assets | 0.3647% | 5,792 |
| Return on Equity (ROE) | 2.5430% | 5,864 |
| Retained earnings to average equity (ytd only) | 2.5430% | 4,914 |
| Net charge-offs to loans | 0.2512% | 3,070 |
| Credit loss provision to net charge-offs | 216.7530% | 1,308 |
| Earnings coverage of net charge-offs (x) | 4.8333% | 2,977 |
| Efficiency ratio | 79.4031% | 2,278 |
| Assets per employee ($millions) | 5.3598% | 1,753 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6639% | 6,867 |
| Loan loss allowance to noncurrent loans | 16.5805% | 6,608 |
| Noncurrent assets plus other real estate owned to assets | 2.6127% | 2,120 |
| Noncurrent loans to loans | 4.0044% | 1,376 |
| Net loans and leases to total assets | 54.3444% | 4,737 |
| Net loans and leases to deposits | 65.6823% | 4,541 |
| Net loans and leases to core deposits | 67.5347% | 4,845 |
| Total domestic deposits to total assets | 82.7382% | 4,856 |
| Equity capital to assets | 10.5462% | 3,628 |
| Core capital (leverage) ratio | 10.1943% | 3,152 |
| Tier 1 risk-based capital ratio | 18.7509% | 2,049 |
| Total risk-based capital ratio | 19.4218% | 2,211 |
| Memoranda: |
| Average total assets | $1,730,868,000 | 400 |
| Average earning assets | $1,599,688,330 | 385 |
| Average equity | $178,215,330 | 419 |
| Average total loans | $921,959,000 | 449 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0446% | 5,625 |
| Cost of funding earning assets | 1.0007% | 1,984 |
| Net interest margin | 3.0439% | 6,203 |
| Noninterest income to average assets | 0.3176% | 5,332 |
| Noninterest expense to average assets | 2.4409% | 5,340 |
| Loan and lease loss provision to assets | 0.2805% | 2,219 |
| Net operating income to assets | 0.2988% | 5,664 |
| Return on assets (ROA) | 0.2963% | 5,838 |
| Pretax return on assets | 0.4165% | 5,674 |
| Return on Equity (ROE) | 2.9124% | 5,747 |
| Retained earnings to average equity (ytd only) | 2.9124% | 4,797 |
| Net charge-offs to loans | 0.1431% | 3,243 |
| Credit loss provision to net charge-offs | 372.8659% | 837 |
| Earnings coverage of net charge-offs (x) | 9.2683% | 1,861 |
| Efficiency ratio | 77.7827% | 2,528 |
| Assets per employee ($millions) | 5.5289% | 1,671 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6209% | 6,965 |
| Loan loss allowance to noncurrent loans | 14.6256% | 6,696 |
| Noncurrent assets plus other real estate owned to assets | 2.5773% | 2,296 |
| Noncurrent loans to loans | 4.2450% | 1,416 |
| Net loans and leases to total assets | 52.3772% | 4,964 |
| Net loans and leases to deposits | 63.5267% | 4,704 |
| Net loans and leases to core deposits | 65.3872% | 4,980 |
| Total domestic deposits to total assets | 82.4492% | 5,143 |
| Equity capital to assets | 10.1737% | 3,885 |
| Core capital (leverage) ratio | 9.8401% | 3,580 |
| Tier 1 risk-based capital ratio | 18.8999% | 2,024 |
| Total risk-based capital ratio | 19.5308% | 2,182 |
| Memoranda: |
| Average total assets | $1,744,087,000 | 396 |
| Average earning assets | $1,616,093,500 | 380 |
| Average equity | $177,447,000 | 419 |
| Average total loans | $916,712,000 | 454 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2292% | 5,979 |
| Cost of funding earning assets | 1.2099% | 1,965 |
| Net interest margin | 3.0193% | 6,500 |
| Noninterest income to average assets | 0.3479% | 5,025 |
| Noninterest expense to average assets | 2.3324% | 5,971 |
| Loan and lease loss provision to assets | 0.2584% | 3,627 |
| Net operating income to assets | 0.3851% | 4,928 |
| Return on assets (ROA) | 0.3906% | 5,077 |
| Pretax return on assets | 0.5695% | 4,784 |
| Return on Equity (ROE) | 3.9210% | 4,889 |
| Retained earnings to average equity (ytd only) | 3.9210% | 3,420 |
| Net charge-offs to loans | 0.4180% | 3,337 |
| Credit loss provision to net charge-offs | 121.9885% | 2,596 |
| Earnings coverage of net charge-offs (x) | 3.8711% | 3,357 |
| Efficiency ratio | 73.9882% | 3,244 |
| Assets per employee ($millions) | 5.5626% | 1,567 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5316% | 7,079 |
| Loan loss allowance to noncurrent loans | 9.7404% | 6,823 |
| Noncurrent assets plus other real estate owned to assets | 3.0495% | 1,968 |
| Noncurrent loans to loans | 5.4578% | 973 |
| Net loans and leases to total assets | 52.1378% | 5,293 |
| Net loans and leases to deposits | 61.5866% | 5,296 |
| Net loans and leases to core deposits | 61.5866% | 5,692 |
| Total domestic deposits to total assets | 84.6577% | 4,014 |
| Equity capital to assets | 10.1747% | 3,933 |
| Core capital (leverage) ratio | 10.1603% | 3,154 |
| Tier 1 risk-based capital ratio | 20.1702% | 1,599 |
| Total risk-based capital ratio | 20.7237% | 1,739 |
| Memoranda: |
| Average total assets | $1,728,323,000 | 389 |
| Average earning assets | $1,605,343,800 | 369 |
| Average equity | $172,151,800 | 411 |
| Average total loans | $875,820,400 | 481 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2764% | 6,016 |
| Cost of funding earning assets | 1.2427% | 2,043 |
| Net interest margin | 3.0337% | 6,514 |
| Noninterest income to average assets | 0.3252% | 5,265 |
| Noninterest expense to average assets | 2.3371% | 5,941 |
| Loan and lease loss provision to assets | 0.2213% | 3,799 |
| Net operating income to assets | 0.3988% | 5,012 |
| Return on assets (ROA) | 0.4033% | 5,169 |
| Pretax return on assets | 0.5895% | 4,848 |
| Return on Equity (ROE) | 4.0706% | 4,963 |
| Retained earnings to average equity (ytd only) | 4.0706% | 3,832 |
| Net charge-offs to loans | 0.3136% | 3,533 |
| Credit loss provision to net charge-offs | 140.4902% | 2,262 |
| Earnings coverage of net charge-offs (x) | 5.1049% | 2,875 |
| Efficiency ratio | 74.3989% | 3,104 |
| Assets per employee ($millions) | 5.6461% | 1,468 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5501% | 7,133 |
| Loan loss allowance to noncurrent loans | 9.4289% | 6,904 |
| Noncurrent assets plus other real estate owned to assets | 3.1350% | 2,036 |
| Noncurrent loans to loans | 5.8342% | 976 |
| Net loans and leases to total assets | 49.3715% | 5,786 |
| Net loans and leases to deposits | 58.7571% | 5,772 |
| Net loans and leases to core deposits | 58.7571% | 6,071 |
| Total domestic deposits to total assets | 84.0265% | 4,219 |
| Equity capital to assets | 9.8178% | 4,604 |
| Core capital (leverage) ratio | 9.8051% | 3,699 |
| Tier 1 risk-based capital ratio | 19.9788% | 1,690 |
| Total risk-based capital ratio | 20.5355% | 1,826 |
| Memoranda: |
| Average total assets | $1,726,524,500 | 389 |
| Average earning assets | $1,602,702,000 | 371 |
| Average equity | $171,043,750 | 420 |
| Average total loans | $867,351,500 | 486 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3513% | 5,844 |
| Cost of funding earning assets | 1.2627% | 2,165 |
| Net interest margin | 3.0886% | 6,431 |
| Noninterest income to average assets | 0.3141% | 5,385 |
| Noninterest expense to average assets | 2.4014% | 5,840 |
| Loan and lease loss provision to assets | 0.2422% | 3,484 |
| Net operating income to assets | 0.3668% | 5,100 |
| Return on assets (ROA) | 0.3685% | 5,232 |
| Pretax return on assets | 0.5369% | 4,945 |
| Return on Equity (ROE) | 3.7079% | 5,059 |
| Retained earnings to average equity (ytd only) | 3.7079% | 3,855 |
| Net charge-offs to loans | 0.3074% | 3,339 |
| Credit loss provision to net charge-offs | 156.2264% | 1,951 |
| Earnings coverage of net charge-offs (x) | 5.0091% | 2,716 |
| Efficiency ratio | 75.5624% | 3,095 |
| Assets per employee ($millions) | 5.4224% | 1,635 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5487% | 7,197 |
| Loan loss allowance to noncurrent loans | 15.2233% | 6,856 |
| Noncurrent assets plus other real estate owned to assets | 2.0039% | 3,227 |
| Noncurrent loans to loans | 3.6046% | 1,953 |
| Net loans and leases to total assets | 49.7298% | 5,858 |
| Net loans and leases to deposits | 59.0345% | 5,818 |
| Net loans and leases to core deposits | 59.0345% | 6,188 |
| Total domestic deposits to total assets | 84.2385% | 4,237 |
| Equity capital to assets | 9.8750% | 4,303 |
| Core capital (leverage) ratio | 9.8736% | 3,421 |
| Tier 1 risk-based capital ratio | 18.7970% | 1,909 |
| Total risk-based capital ratio | 19.3195% | 2,108 |
| Memoranda: |
| Average total assets | $1,709,192,670 | 396 |
| Average earning assets | $1,584,856,670 | 383 |
| Average equity | $169,854,330 | 426 |
| Average total loans | $862,155,670 | 494 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3932% | 5,719 |
| Cost of funding earning assets | 1.2591% | 2,438 |
| Net interest margin | 3.1341% | 6,258 |
| Noninterest income to average assets | 0.3035% | 5,497 |
| Noninterest expense to average assets | 2.4045% | 5,875 |
| Loan and lease loss provision to assets | 0.1786% | 3,833 |
| Net operating income to assets | 0.4256% | 4,823 |
| Return on assets (ROA) | 0.4266% | 4,909 |
| Pretax return on assets | 0.6262% | 4,583 |
| Return on Equity (ROE) | 4.2786% | 4,755 |
| Retained earnings to average equity (ytd only) | 4.2786% | 3,599 |
| Net charge-offs to loans | 0.3394% | 2,699 |
| Credit loss provision to net charge-offs | 103.8462% | 2,558 |
| Earnings coverage of net charge-offs (x) | 4.6717% | 2,417 |
| Efficiency ratio | 74.9577% | 3,337 |
| Assets per employee ($millions) | 5.2195% | 1,875 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4700% | 7,303 |
| Loan loss allowance to noncurrent loans | 8.8149% | 7,026 |
| Noncurrent assets plus other real estate owned to assets | 2.9321% | 2,358 |
| Noncurrent loans to loans | 5.3318% | 1,234 |
| Net loans and leases to total assets | 50.3620% | 5,800 |
| Net loans and leases to deposits | 59.6073% | 5,761 |
| Net loans and leases to core deposits | 59.6073% | 6,126 |
| Total domestic deposits to total assets | 84.4895% | 4,275 |
| Equity capital to assets | 9.9569% | 3,829 |
| Core capital (leverage) ratio | 9.9637% | 3,186 |
| Tier 1 risk-based capital ratio | 18.8819% | 1,833 |
| Total risk-based capital ratio | 19.3327% | 2,054 |
| Memoranda: |
| Average total assets | $1,693,492,000 | 402 |
| Average earning assets | $1,569,320,000 | 390 |
| Average equity | $168,840,000 | 423 |
| Average total loans | $858,048,500 | 511 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6234% | 6,047 |
| Cost of funding earning assets | 1.4240% | 3,112 |
| Net interest margin | 3.1994% | 6,274 |
| Noninterest income to average assets | 0.4163% | 4,771 |
| Noninterest expense to average assets | 2.5257% | 5,699 |
| Loan and lease loss provision to assets | 0.4582% | 3,377 |
| Net operating income to assets | 0.2569% | 5,092 |
| Return on assets (ROA) | 0.2712% | 5,193 |
| Pretax return on assets | 0.4176% | 4,890 |
| Return on Equity (ROE) | 2.1232% | 5,340 |
| Retained earnings to average equity (ytd only) | -9.9981% | 6,662 |
| Net charge-offs to loans | 0.7335% | 2,822 |
| Credit loss provision to net charge-offs | 131.7772% | 2,991 |
| Earnings coverage of net charge-offs (x) | 2.4556% | 3,897 |
| Efficiency ratio | 74.7367% | 3,245 |
| Assets per employee ($millions) | 5.1540% | 1,940 |
| Cash dividends to net income (ytd only)* | 570.8965% | 37 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4729% | 7,381 |
| Loan loss allowance to noncurrent loans | 9.9713% | 7,090 |
| Noncurrent assets plus other real estate owned to assets | 2.5977% | 2,684 |
| Noncurrent loans to loans | 4.7422% | 1,464 |
| Net loans and leases to total assets | 50.4962% | 6,120 |
| Net loans and leases to deposits | 60.2419% | 6,031 |
| Net loans and leases to core deposits | 60.2419% | 6,375 |
| Total domestic deposits to total assets | 83.8224% | 4,439 |
| Equity capital to assets | 9.9832% | 3,760 |
| Core capital (leverage) ratio | 9.9890% | 3,108 |
| Tier 1 risk-based capital ratio | 17.9604% | 2,008 |
| Total risk-based capital ratio | 18.3919% | 2,261 |
| Memoranda: |
| Average total assets | $1,435,503,600 | 472 |
| Average earning assets | $1,329,539,600 | 462 |
| Average equity | $183,354,000 | 379 |
| Average total loans | $680,471,200 | 648 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6691% | 6,129 |
| Cost of funding earning assets | 1.4918% | 3,029 |
| Net interest margin | 3.1773% | 6,415 |
| Noninterest income to average assets | 0.4541% | 4,525 |
| Noninterest expense to average assets | 2.4837% | 5,768 |
| Loan and lease loss provision to assets | 0.3576% | 3,753 |
| Net operating income to assets | 0.3593% | 4,933 |
| Return on assets (ROA) | 0.3730% | 5,055 |
| Pretax return on assets | 0.5763% | 4,674 |
| Return on Equity (ROE) | 2.7377% | 5,328 |
| Retained earnings to average equity (ytd only) | -7.7467% | 6,754 |
| Net charge-offs to loans | 0.6982% | 2,671 |
| Credit loss provision to net charge-offs | 110.4254% | 3,830 |
| Earnings coverage of net charge-offs (x) | 2.8185% | 3,725 |
| Efficiency ratio | 73.1269% | 3,501 |
| Assets per employee ($millions) | 5.0295% | 2,139 |
| Cash dividends to net income (ytd only)* | 382.9647% | 30 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.3286% | 7,580 |
| Loan loss allowance to noncurrent loans | 6.3739% | 7,220 |
| Noncurrent assets plus other real estate owned to assets | 2.7481% | 2,634 |
| Noncurrent loans to loans | 5.1555% | 1,326 |
| Net loans and leases to total assets | 50.1301% | 6,310 |
| Net loans and leases to deposits | 61.0769% | 6,205 |
| Net loans and leases to core deposits | 61.0769% | 6,535 |
| Total domestic deposits to total assets | 82.0770% | 4,962 |
| Equity capital to assets | 10.3509% | 3,698 |
| Core capital (leverage) ratio | 10.3406% | 2,868 |
| Tier 1 risk-based capital ratio | 18.3799% | 1,908 |
| Total risk-based capital ratio | 18.6738% | 2,159 |
| Memoranda: |
| Average total assets | $1,374,328,000 | 485 |
| Average earning assets | $1,272,681,250 | 471 |
| Average equity | $187,258,000 | 370 |
| Average total loans | $637,471,250 | 694 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7237% | 6,063 |
| Cost of funding earning assets | 1.5290% | 3,080 |
| Net interest margin | 3.1947% | 6,333 |
| Noninterest income to average assets | 0.4378% | 4,628 |
| Noninterest expense to average assets | 2.3936% | 6,081 |
| Loan and lease loss provision to assets | 0.3048% | 3,955 |
| Net operating income to assets | 0.4615% | 4,500 |
| Return on assets (ROA) | 0.4742% | 4,598 |
| Pretax return on assets | 0.7164% | 4,177 |
| Return on Equity (ROE) | 3.1447% | 5,157 |
| Retained earnings to average equity (ytd only) | 3.1447% | 4,111 |
| Net charge-offs to loans | 0.5820% | 2,788 |
| Credit loss provision to net charge-offs | 117.2832% | 3,468 |
| Earnings coverage of net charge-offs (x) | 3.8557% | 3,149 |
| Efficiency ratio | 70.4924% | 4,092 |
| Assets per employee ($millions) | 5.5018% | 1,619 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4731% | 7,537 |
| Loan loss allowance to noncurrent loans | 13.9635% | 7,169 |
| Noncurrent assets plus other real estate owned to assets | 1.6290% | 4,000 |
| Noncurrent loans to loans | 3.3882% | 2,355 |
| Net loans and leases to total assets | 43.3135% | 6,968 |
| Net loans and leases to deposits | 56.3482% | 6,696 |
| Net loans and leases to core deposits | 56.3482% | 6,923 |
| Total domestic deposits to total assets | 76.8676% | 6,536 |
| Equity capital to assets | 14.2034% | 1,104 |
| Core capital (leverage) ratio | 14.1935% | 879 |
| Tier 1 risk-based capital ratio | 28.0409% | 625 |
| Total risk-based capital ratio | 28.4478% | 671 |
| Memoranda: |
| Average total assets | $1,269,134,670 | 528 |
| Average earning assets | $1,175,000,670 | 512 |
| Average equity | $191,370,330 | 357 |
| Average total loans | $566,646,670 | 807 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8160% | 5,836 |
| Cost of funding earning assets | 1.5886% | 3,028 |
| Net interest margin | 3.2274% | 6,205 |
| Noninterest income to average assets | 0.4343% | 4,618 |
| Noninterest expense to average assets | 2.2845% | 6,425 |
| Loan and lease loss provision to assets | 0.3972% | 2,990 |
| Net operating income to assets | 0.4959% | 4,406 |
| Return on assets (ROA) | 0.5036% | 4,518 |
| Pretax return on assets | 0.7434% | 4,084 |
| Return on Equity (ROE) | 3.2391% | 5,232 |
| Retained earnings to average equity (ytd only) | 3.2391% | 4,206 |
| Net charge-offs to loans | 0.8207% | 1,891 |
| Credit loss provision to net charge-offs | 106.9444% | 3,215 |
| Earnings coverage of net charge-offs (x) | 3.0408% | 3,036 |
| Efficiency ratio | 66.9185% | 4,935 |
| Assets per employee ($millions) | 5.5939% | 1,585 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4496% | 7,645 |
| Loan loss allowance to noncurrent loans | 13.7221% | 7,247 |
| Noncurrent assets plus other real estate owned to assets | 1.6485% | 4,006 |
| Noncurrent loans to loans | 3.2764% | 2,435 |
| Net loans and leases to total assets | 44.2254% | 6,975 |
| Net loans and leases to deposits | 57.1803% | 6,685 |
| Net loans and leases to core deposits | 57.1803% | 6,922 |
| Total domestic deposits to total assets | 77.3437% | 6,479 |
| Equity capital to assets | 15.3376% | 802 |
| Core capital (leverage) ratio | 15.3279% | 683 |
| Tier 1 risk-based capital ratio | 30.3970% | 508 |
| Total risk-based capital ratio | 30.7933% | 531 |
| Memoranda: |
| Average total assets | $1,240,734,500 | 555 |
| Average earning assets | $1,145,432,000 | 540 |
| Average equity | $192,891,500 | 362 |
| Average total loans | $561,450,500 | 840 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9192% | 6,667 |
| Cost of funding earning assets | 1.9698% | 3,102 |
| Net interest margin | 2.9495% | 6,755 |
| Noninterest income to average assets | 0.4683% | 4,663 |
| Noninterest expense to average assets | 2.3783% | 6,528 |
| Loan and lease loss provision to assets | 0.2713% | 5,242 |
| Net operating income to assets | 0.3643% | 4,274 |
| Return on assets (ROA) | 0.3727% | 4,339 |
| Pretax return on assets | 0.5482% | 4,053 |
| Return on Equity (ROE) | 2.2385% | 4,815 |
| Retained earnings to average equity (ytd only) | 2.2385% | 3,551 |
| Net charge-offs to loans | 0.4640% | 3,927 |
| Credit loss provision to net charge-offs | 123.7616% | 4,254 |
| Earnings coverage of net charge-offs (x) | 3.6830% | 3,244 |
| Efficiency ratio | 74.6592% | 3,768 |
| Assets per employee ($millions) | 5.6881% | 1,481 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4356% | 7,725 |
| Loan loss allowance to noncurrent loans | 13.8136% | 7,290 |
| Noncurrent assets plus other real estate owned to assets | 1.6125% | 3,954 |
| Noncurrent loans to loans | 3.1535% | 2,431 |
| Net loans and leases to total assets | 45.9088% | 6,984 |
| Net loans and leases to deposits | 59.0197% | 6,702 |
| Net loans and leases to core deposits | 71.5374% | 6,688 |
| Total domestic deposits to total assets | 77.7856% | 6,275 |
| Equity capital to assets | 15.7636% | 731 |
| Core capital (leverage) ratio | 15.7517% | 653 |
| Tier 1 risk-based capital ratio | 30.2837% | 508 |
| Total risk-based capital ratio | 30.6700% | 543 |
| Memoranda: |
| Average total assets | $1,132,887,400 | 588 |
| Average earning assets | $1,043,677,400 | 580 |
| Average equity | $188,608,600 | 366 |
| Average total loans | $535,108,200 | 891 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9102% | 6,858 |
| Cost of funding earning assets | 2.0359% | 3,187 |
| Net interest margin | 2.8743% | 6,913 |
| Noninterest income to average assets | 0.4713% | 4,741 |
| Noninterest expense to average assets | 2.4330% | 6,300 |
| Loan and lease loss provision to assets | 0.2202% | 5,211 |
| Net operating income to assets | 0.3208% | 4,717 |
| Return on assets (ROA) | 0.3292% | 4,785 |
| Pretax return on assets | 0.4787% | 4,585 |
| Return on Equity (ROE) | 1.9489% | 5,181 |
| Retained earnings to average equity (ytd only) | 1.9489% | 4,241 |
| Net charge-offs to loans | 0.3539% | 3,873 |
| Credit loss provision to net charge-offs | 130.8624% | 3,821 |
| Earnings coverage of net charge-offs (x) | 4.0820% | 3,271 |
| Efficiency ratio | 77.9858% | 3,170 |
| Assets per employee ($millions) | 5.4494% | 1,667 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4544% | 7,762 |
| Loan loss allowance to noncurrent loans | 15.6669% | 7,299 |
| Noncurrent assets plus other real estate owned to assets | 1.3567% | 4,375 |
| Noncurrent loans to loans | 2.9007% | 2,625 |
| Net loans and leases to total assets | 46.5607% | 7,064 |
| Net loans and leases to deposits | 60.6212% | 6,774 |
| Net loans and leases to core deposits | 72.9597% | 6,783 |
| Total domestic deposits to total assets | 76.8060% | 6,392 |
| Equity capital to assets | 16.1371% | 769 |
| Core capital (leverage) ratio | 16.1245% | 660 |
| Tier 1 risk-based capital ratio | 30.9609% | 519 |
| Total risk-based capital ratio | 31.3693% | 545 |
| Memoranda: |
| Average total assets | $1,111,794,750 | 609 |
| Average earning assets | $1,024,462,000 | 597 |
| Average equity | $187,789,750 | 378 |
| Average total loans | $528,566,750 | 916 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8375% | 7,155 |
| Cost of funding earning assets | 2.0536% | 3,507 |
| Net interest margin | 2.7839% | 7,045 |
| Noninterest income to average assets | 0.4686% | 4,721 |
| Noninterest expense to average assets | 2.4952% | 6,140 |
| Loan and lease loss provision to assets | 0.1152% | 5,990 |
| Net operating income to assets | 0.2892% | 4,945 |
| Return on assets (ROA) | 0.3015% | 5,003 |
| Pretax return on assets | 0.4402% | 4,828 |
| Return on Equity (ROE) | 1.7566% | 5,387 |
| Retained earnings to average equity (ytd only) | 1.7566% | 4,365 |
| Net charge-offs to loans | 0.2621% | 3,877 |
| Credit loss provision to net charge-offs | 91.9473% | 4,864 |
| Earnings coverage of net charge-offs (x) | 4.2884% | 3,148 |
| Efficiency ratio | 82.2786% | 2,691 |
| Assets per employee ($millions) | 5.3535% | 1,716 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.3754% | 7,926 |
| Loan loss allowance to noncurrent loans | 14.0879% | 7,397 |
| Noncurrent assets plus other real estate owned to assets | 1.2363% | 4,472 |
| Noncurrent loans to loans | 2.6649% | 2,707 |
| Net loans and leases to total assets | 46.2182% | 7,180 |
| Net loans and leases to deposits | 61.0429% | 6,813 |
| Net loans and leases to core deposits | 74.2977% | 6,772 |
| Total domestic deposits to total assets | 75.7144% | 6,610 |
| Equity capital to assets | 16.2839% | 783 |
| Core capital (leverage) ratio | 16.2735% | 706 |
| Tier 1 risk-based capital ratio | 30.1806% | 595 |
| Total risk-based capital ratio | 30.5037% | 634 |
| Memoranda: |
| Average total assets | $1,090,033,330 | 634 |
| Average earning assets | $1,003,905,330 | 621 |
| Average equity | $187,071,000 | 383 |
| Average total loans | $521,236,330 | 949 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8849% | 7,207 |
| Cost of funding earning assets | 2.0875% | 3,708 |
| Net interest margin | 2.7973% | 6,995 |
| Noninterest income to average assets | 0.4508% | 4,759 |
| Noninterest expense to average assets | 2.3696% | 6,296 |
| Loan and lease loss provision to assets | 0.1234% | 5,383 |
| Net operating income to assets | 0.3620% | 5,008 |
| Return on assets (ROA) | 0.3713% | 5,157 |
| Pretax return on assets | 0.5427% | 4,941 |
| Return on Equity (ROE) | 2.1045% | 5,734 |
| Retained earnings to average equity (ytd only) | 2.1045% | 4,696 |
| Net charge-offs to loans | 0.4595% | 2,298 |
| Credit loss provision to net charge-offs | 55.2542% | 4,597 |
| Earnings coverage of net charge-offs (x) | 2.9220% | 3,335 |
| Efficiency ratio | 78.4095% | 3,103 |
| Assets per employee ($millions) | 5.2573% | 1,789 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.3488% | 7,998 |
| Loan loss allowance to noncurrent loans | 16.7891% | 7,324 |
| Noncurrent assets plus other real estate owned to assets | 0.9846% | 4,730 |
| Noncurrent loans to loans | 2.0778% | 3,152 |
| Net loans and leases to total assets | 46.9270% | 7,112 |
| Net loans and leases to deposits | 64.3559% | 6,522 |
| Net loans and leases to core deposits | 77.4706% | 6,576 |
| Total domestic deposits to total assets | 72.9180% | 7,067 |
| Equity capital to assets | 17.0368% | 720 |
| Core capital (leverage) ratio | 17.0222% | 649 |
| Tier 1 risk-based capital ratio | 31.0215% | 579 |
| Total risk-based capital ratio | 31.3211% | 604 |
| Memoranda: |
| Average total assets | $1,056,868,000 | 659 |
| Average earning assets | $971,492,500 | 649 |
| Average equity | $186,456,000 | 384 |
| Average total loans | $513,622,000 | 972 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4325% | 7,419 |
| Cost of funding earning assets | 2.3129% | 5,093 |
| Net interest margin | 3.1196% | 6,596 |
| Noninterest income to average assets | 0.4520% | 5,022 |
| Noninterest expense to average assets | 2.5157% | 5,944 |
| Loan and lease loss provision to assets | 0.0351% | 6,968 |
| Net operating income to assets | 0.5098% | 4,685 |
| Return on assets (ROA) | 0.5187% | 4,505 |
| Pretax return on assets | 0.7840% | 4,130 |
| Return on Equity (ROE) | 2.6599% | 5,355 |
| Retained earnings to average equity (ytd only) | 2.6599% | 3,522 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7451% | 3,276 |
| Assets per employee ($millions) | 4.8331% | 2,139 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.3778% | 8,012 |
| Loan loss allowance to noncurrent loans | 19.2851% | 7,266 |
| Noncurrent assets plus other real estate owned to assets | 0.9907% | 4,359 |
| Noncurrent loans to loans | 1.9589% | 2,814 |
| Net loans and leases to total assets | 50.0404% | 7,030 |
| Net loans and leases to deposits | 69.6396% | 6,313 |
| Net loans and leases to core deposits | 81.4037% | 6,503 |
| Total domestic deposits to total assets | 71.8563% | 7,029 |
| Equity capital to assets | 18.2979% | 617 |
| Core capital (leverage) ratio | 18.2525% | 578 |
| Tier 1 risk-based capital ratio | 32.4451% | 530 |
| Total risk-based capital ratio | 32.7826% | 562 |
| Memoranda: |
| Average total assets | $935,492,800 | 713 |
| Average earning assets | $860,435,400 | 700 |
| Average equity | $182,414,800 | 400 |
| Average total loans | $480,592,800 | 1,002 |
