Home > Texas Leadership Bank > Performance and Condition Ratios
Texas Leadership Bank, Performance and Condition Ratios
| 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 | 1.8609% | 6,275 |
| Cost of funding earning assets | 0.2081% | 5,375 |
| Net interest margin | 1.6528% | 6,265 |
| Noninterest income to average assets | 0.1620% | 5,736 |
| Noninterest expense to average assets | 1.1176% | 6,267 |
| Loan and lease loss provision to assets | 0.0675% | 2,770 |
| Net operating income to assets | 0.4994% | 4,767 |
| Return on assets (ROA) | 0.4994% | 4,874 |
| Pretax return on assets | 0.4994% | 5,229 |
| Return on Equity (ROE) | 3.4894% | 5,234 |
| Retained earnings to average equity (ytd only) | 3.4894% | 3,820 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3462% | 3,955 |
| Assets per employee ($millions) | 7.7433% | 595 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0592% | 6,277 |
| Loan loss allowance to noncurrent loans | 83.3333% | 4,116 |
| Noncurrent assets plus other real estate owned to assets | 0.1253% | 5,363 |
| Noncurrent loans to loans | 0.0710% | 5,452 |
| Net loans and leases to total assets | 54.5155% | 4,499 |
| Net loans and leases to deposits | 67.1807% | 4,208 |
| Net loans and leases to core deposits | 70.5549% | 4,273 |
| Total domestic deposits to total assets | 81.1476% | 4,568 |
| Equity capital to assets | 18.5864% | 290 |
| Core capital (leverage) ratio | 13.6026% | 956 |
| Tier 1 risk-based capital ratio | 22.7105% | 1,114 |
| Total risk-based capital ratio | 22.7678% | 1,264 |
| Memoranda: | ||
| Average total assets | $74,086,000 | 5,100 |
| Average earning assets | $68,247,330 | 5,088 |
| Average equity | $10,603,670 | 4,635 |
| Average total loans | $42,878,330 | 4,994 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8264% | 3,902 |
| Cost of funding earning assets | 0.4892% | 2,387 |
| Net interest margin | 3.3371% | 4,072 |
| Noninterest income to average assets | 0.4751% | 3,464 |
| Noninterest expense to average assets | 6.4906% | 171 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -2.8503% | 6,386 |
| Return on assets (ROA) | -2.8503% | 6,387 |
| Pretax return on assets | -2.8503% | 6,385 |
| Return on Equity (ROE) | -23.6983% | 6,368 |
| Retained earnings to average equity (ytd only) | -23.6983% | 6,300 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 178.3005% | 27 |
| Assets per employee ($millions) | 6.2142% | 1,251 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0738% | 4,640 |
| Loan loss allowance to noncurrent loans | 1,759.2593% | 344 |
| Noncurrent assets plus other real estate owned to assets | 0.1261% | 5,453 |
| Noncurrent loans to loans | 0.0610% | 5,533 |
| Net loans and leases to total assets | 58.6858% | 3,846 |
| Net loans and leases to deposits | 66.5228% | 4,105 |
| Net loans and leases to core deposits | 71.7057% | 3,999 |
| Total domestic deposits to total assets | 88.2191% | 1,698 |
| Equity capital to assets | 11.3920% | 2,562 |
| Core capital (leverage) ratio | 11.7755% | 1,795 |
| Tier 1 risk-based capital ratio | 18.6169% | 1,969 |
| Total risk-based capital ratio | 19.6473% | 1,987 |
| Memoranda: | ||
| Average total assets | $72,412,500 | 5,185 |
| Average earning assets | $68,681,500 | 5,125 |
| Average equity | $8,709,500 | 5,059 |
| Average total loans | $43,198,500 | 5,011 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0496% | 3,525 |
| Cost of funding earning assets | 0.5116% | 2,557 |
| Net interest margin | 3.5380% | 3,645 |
| Noninterest income to average assets | 0.5116% | 3,411 |
| Noninterest expense to average assets | 3.1950% | 2,226 |
| Loan and lease loss provision to assets | -0.0814% | 6,111 |
| Net operating income to assets | 0.7639% | 3,546 |
| Return on assets (ROA) | 0.7736% | 3,597 |
| Pretax return on assets | 0.7736% | 4,353 |
| Return on Equity (ROE) | 6.5740% | 3,859 |
| Retained earnings to average equity (ytd only) | 6.5740% | 1,610 |
| Net charge-offs to loans | 0.0276% | 4,262 |
| Credit loss provision to net charge-offs | -491.6667% | 5,783 |
| Earnings coverage of net charge-offs (x) | 41.2500% | 1,057 |
| Efficiency ratio | 82.3969% | 1,615 |
| Assets per employee ($millions) | 5.0182% | 2,298 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1267% | 4,407 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0954% | 5,645 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 59.3339% | 3,870 |
| Net loans and leases to deposits | 68.1662% | 4,111 |
| Net loans and leases to core deposits | 72.8288% | 4,043 |
| Total domestic deposits to total assets | 87.0429% | 2,259 |
| Equity capital to assets | 12.7023% | 1,537 |
| Core capital (leverage) ratio | 12.1778% | 1,513 |
| Tier 1 risk-based capital ratio | 21.4323% | 1,320 |
| Total risk-based capital ratio | 22.5512% | 1,317 |
| Memoranda: | ||
| Average total assets | $72,519,800 | 5,216 |
| Average earning assets | $68,993,800 | 5,148 |
| Average equity | $8,533,600 | 5,079 |
| Average total loans | $43,413,000 | 5,055 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0459% | 3,575 |
| Cost of funding earning assets | 0.5127% | 2,628 |
| Net interest margin | 3.5333% | 3,705 |
| Noninterest income to average assets | 0.5090% | 3,491 |
| Noninterest expense to average assets | 3.1305% | 2,382 |
| Loan and lease loss provision to assets | 0.0018% | 4,372 |
| Net operating income to assets | 0.7461% | 3,691 |
| Return on assets (ROA) | 0.7461% | 3,789 |
| Pretax return on assets | 0.7461% | 4,535 |
| Return on Equity (ROE) | 6.4642% | 3,989 |
| Retained earnings to average equity (ytd only) | 6.4642% | 2,125 |
| Net charge-offs to loans | 0.0366% | 3,755 |
| Credit loss provision to net charge-offs | 8.3333% | 3,725 |
| Earnings coverage of net charge-offs (x) | 34.1656% | 1,259 |
| Efficiency ratio | 80.7150% | 1,808 |
| Assets per employee ($millions) | 5.3818% | 1,835 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2185% | 4,133 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0889% | 5,807 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 57.5645% | 4,129 |
| Net loans and leases to deposits | 65.1838% | 4,416 |
| Net loans and leases to core deposits | 69.5889% | 4,364 |
| Total domestic deposits to total assets | 88.3111% | 1,599 |
| Equity capital to assets | 11.4381% | 2,542 |
| Core capital (leverage) ratio | 12.1137% | 1,628 |
| Tier 1 risk-based capital ratio | 19.8906% | 1,703 |
| Total risk-based capital ratio | 21.0803% | 1,683 |
| Memoranda: | ||
| Average total assets | $73,086,000 | 5,264 |
| Average earning assets | $69,697,750 | 5,182 |
| Average equity | $8,436,000 | 5,145 |
| Average total loans | $43,726,250 | 5,096 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0865% | 3,400 |
| Cost of funding earning assets | 0.5163% | 2,670 |
| Net interest margin | 3.5703% | 3,482 |
| Noninterest income to average assets | 0.5060% | 3,439 |
| Noninterest expense to average assets | 3.1631% | 2,300 |
| Loan and lease loss provision to assets | 0.0028% | 4,159 |
| Net operating income to assets | 0.7438% | 3,600 |
| Return on assets (ROA) | 0.7438% | 3,701 |
| Pretax return on assets | 0.7438% | 4,484 |
| Return on Equity (ROE) | 6.4236% | 3,927 |
| Retained earnings to average equity (ytd only) | 6.4236% | 2,077 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.9052% | 1,894 |
| Assets per employee ($millions) | 5.6903% | 1,532 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2614% | 4,077 |
| Loan loss allowance to noncurrent loans | 1,439.4737% | 371 |
| Noncurrent assets plus other real estate owned to assets | 0.1419% | 5,724 |
| Noncurrent loans to loans | 0.0876% | 5,755 |
| Net loans and leases to total assets | 57.8839% | 4,009 |
| Net loans and leases to deposits | 65.6723% | 4,302 |
| Net loans and leases to core deposits | 65.6723% | 4,668 |
| Total domestic deposits to total assets | 88.1404% | 1,824 |
| Equity capital to assets | 11.6000% | 2,325 |
| Core capital (leverage) ratio | 11.8726% | 1,731 |
| Tier 1 risk-based capital ratio | 19.9556% | 1,697 |
| Total risk-based capital ratio | 21.1954% | 1,671 |
| Memoranda: | ||
| Average total assets | $72,333,000 | 5,327 |
| Average earning assets | $68,958,670 | 5,245 |
| Average equity | $8,375,330 | 5,180 |
| Average total loans | $43,666,000 | 5,140 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1166% | 3,216 |
| Cost of funding earning assets | 0.5043% | 2,857 |
| Net interest margin | 3.6123% | 3,204 |
| Noninterest income to average assets | 0.5034% | 3,384 |
| Noninterest expense to average assets | 3.0988% | 2,536 |
| Loan and lease loss provision to assets | 0.0336% | 3,379 |
| Net operating income to assets | 0.8166% | 3,066 |
| Return on assets (ROA) | 0.8166% | 3,138 |
| Pretax return on assets | 0.8166% | 4,044 |
| Return on Equity (ROE) | 7.0595% | 3,446 |
| Retained earnings to average equity (ytd only) | 7.0595% | 2,018 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4703% | 2,415 |
| Assets per employee ($millions) | 5.6928% | 1,542 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2831% | 4,211 |
| Loan loss allowance to noncurrent loans | 1,452.6316% | 370 |
| Noncurrent assets plus other real estate owned to assets | 0.1419% | 5,822 |
| Noncurrent loans to loans | 0.0883% | 5,863 |
| Net loans and leases to total assets | 57.3851% | 3,944 |
| Net loans and leases to deposits | 64.9105% | 4,218 |
| Net loans and leases to core deposits | 74.3024% | 3,615 |
| Total domestic deposits to total assets | 88.4065% | 1,990 |
| Equity capital to assets | 11.3314% | 2,392 |
| Core capital (leverage) ratio | 11.9718% | 1,668 |
| Tier 1 risk-based capital ratio | 19.7772% | 1,775 |
| Total risk-based capital ratio | 21.0258% | 1,743 |
| Memoranda: | ||
| Average total assets | $71,512,500 | 5,396 |
| Average earning assets | $68,212,000 | 5,310 |
| Average equity | $8,272,500 | 5,225 |
| Average total loans | $43,816,000 | 5,175 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2672% | 3,081 |
| Cost of funding earning assets | 0.4980% | 3,636 |
| Net interest margin | 3.7692% | 2,766 |
| Noninterest income to average assets | 0.5522% | 3,388 |
| Noninterest expense to average assets | 3.5790% | 1,485 |
| Loan and lease loss provision to assets | 0.1366% | 2,595 |
| Net operating income to assets | 0.3936% | 5,171 |
| Return on assets (ROA) | 0.4376% | 5,128 |
| Pretax return on assets | 0.4376% | 5,391 |
| Return on Equity (ROE) | 3.5904% | 5,285 |
| Retained earnings to average equity (ytd only) | 3.5904% | 3,668 |
| Net charge-offs to loans | 0.0283% | 4,861 |
| Credit loss provision to net charge-offs | 775.0000% | 316 |
| Earnings coverage of net charge-offs (x) | 30.0833% | 1,188 |
| Efficiency ratio | 87.0979% | 1,304 |
| Assets per employee ($millions) | 5.3091% | 1,840 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2239% | 4,525 |
| Loan loss allowance to noncurrent loans | 1,436.8421% | 390 |
| Noncurrent assets plus other real estate owned to assets | 0.1521% | 5,862 |
| Noncurrent loans to loans | 0.0852% | 5,960 |
| Net loans and leases to total assets | 63.8457% | 3,064 |
| Net loans and leases to deposits | 72.6426% | 3,439 |
| Net loans and leases to core deposits | 75.1193% | 3,717 |
| Total domestic deposits to total assets | 87.8901% | 2,243 |
| Equity capital to assets | 11.8216% | 1,928 |
| Core capital (leverage) ratio | 12.5007% | 1,362 |
| Tier 1 risk-based capital ratio | 19.5769% | 1,759 |
| Total risk-based capital ratio | 20.8274% | 1,727 |
| Memoranda: | ||
| Average total assets | $68,091,400 | 5,536 |
| Average earning assets | $64,257,200 | 5,456 |
| Average equity | $8,300,000 | 5,263 |
| Average total loans | $42,379,600 | 5,254 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2441% | 3,221 |
| Cost of funding earning assets | 0.5024% | 3,746 |
| Net interest margin | 3.7417% | 2,879 |
| Noninterest income to average assets | 0.5305% | 3,585 |
| Noninterest expense to average assets | 3.3146% | 2,040 |
| Loan and lease loss provision to assets | 0.1041% | 3,024 |
| Net operating income to assets | 0.6386% | 4,184 |
| Return on assets (ROA) | 0.6975% | 4,012 |
| Pretax return on assets | 0.6975% | 4,701 |
| Return on Equity (ROE) | 5.6785% | 4,361 |
| Retained earnings to average equity (ytd only) | 5.6785% | 2,614 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.6949% | 1,866 |
| Assets per employee ($millions) | 5.5273% | 1,595 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2073% | 4,828 |
| Loan loss allowance to noncurrent loans | 1,363.1579% | 362 |
| Noncurrent assets plus other real estate owned to assets | 0.1461% | 6,005 |
| Noncurrent loans to loans | 0.0886% | 6,067 |
| Net loans and leases to total assets | 58.9910% | 3,854 |
| Net loans and leases to deposits | 66.8739% | 4,193 |
| Net loans and leases to core deposits | 75.8636% | 3,630 |
| Total domestic deposits to total assets | 88.2124% | 1,991 |
| Equity capital to assets | 11.4940% | 2,307 |
| Core capital (leverage) ratio | 12.5418% | 1,403 |
| Tier 1 risk-based capital ratio | 20.2485% | 1,672 |
| Total risk-based capital ratio | 21.4981% | 1,650 |
| Memoranda: | ||
| Average total assets | $67,859,750 | 5,598 |
| Average earning assets | $63,961,250 | 5,526 |
| Average equity | $8,335,250 | 5,309 |
| Average total loans | $41,821,750 | 5,320 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2466% | 3,167 |
| Cost of funding earning assets | 0.5125% | 3,784 |
| Net interest margin | 3.7341% | 2,824 |
| Noninterest income to average assets | 0.5231% | 3,684 |
| Noninterest expense to average assets | 3.3820% | 1,863 |
| Loan and lease loss provision to assets | 0.1052% | 3,032 |
| Net operating income to assets | 0.5622% | 4,490 |
| Return on assets (ROA) | 0.6524% | 4,215 |
| Pretax return on assets | 0.6524% | 4,835 |
| Return on Equity (ROE) | 5.1910% | 4,625 |
| Retained earnings to average equity (ytd only) | 5.1910% | 2,933 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.5189% | 1,693 |
| Assets per employee ($millions) | 4.8428% | 2,310 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1861% | 5,063 |
| Loan loss allowance to noncurrent loans | 649.3506% | 683 |
| Noncurrent assets plus other real estate owned to assets | 0.2257% | 5,812 |
| Noncurrent loans to loans | 0.1827% | 5,859 |
| Net loans and leases to total assets | 61.4404% | 3,399 |
| Net loans and leases to deposits | 70.3470% | 3,674 |
| Net loans and leases to core deposits | 78.1861% | 3,263 |
| Total domestic deposits to total assets | 87.3390% | 2,629 |
| Equity capital to assets | 12.1005% | 1,852 |
| Core capital (leverage) ratio | 12.2414% | 1,481 |
| Tier 1 risk-based capital ratio | 20.2168% | 1,674 |
| Total risk-based capital ratio | 21.4419% | 1,655 |
| Memoranda: | ||
| Average total assets | $66,528,000 | 5,667 |
| Average earning assets | $62,826,000 | 5,598 |
| Average equity | $8,360,670 | 5,349 |
| Average total loans | $41,460,330 | 5,359 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2004% | 3,300 |
| Cost of funding earning assets | 0.5074% | 4,008 |
| Net interest margin | 3.6930% | 2,880 |
| Noninterest income to average assets | 0.4917% | 3,827 |
| Noninterest expense to average assets | 3.3813% | 1,872 |
| Loan and lease loss provision to assets | 0.1396% | 2,498 |
| Net operating income to assets | 0.4614% | 4,865 |
| Return on assets (ROA) | 0.4614% | 5,028 |
| Pretax return on assets | 0.4614% | 5,385 |
| Return on Equity (ROE) | 3.6023% | 5,296 |
| Retained earnings to average equity (ytd only) | 3.6023% | 4,084 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.9085% | 1,648 |
| Assets per employee ($millions) | 4.8072% | 2,476 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1765% | 5,280 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1129% | 6,232 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 60.9085% | 3,268 |
| Net loans and leases to deposits | 69.9295% | 3,491 |
| Net loans and leases to core deposits | 73.6657% | 3,621 |
| Total domestic deposits to total assets | 87.0997% | 2,902 |
| Equity capital to assets | 12.5451% | 1,685 |
| Core capital (leverage) ratio | 12.9321% | 1,141 |
| Tier 1 risk-based capital ratio | 19.6239% | 1,871 |
| Total risk-based capital ratio | 20.8052% | 1,866 |
| Memoranda: | ||
| Average total assets | $65,892,500 | 5,742 |
| Average earning assets | $62,280,500 | 5,669 |
| Average equity | $8,439,000 | 5,376 |
| Average total loans | $41,112,500 | 5,412 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3869% | 3,871 |
| Cost of funding earning assets | 0.6384% | 4,018 |
| Net interest margin | 3.7485% | 3,448 |
| Noninterest income to average assets | 0.5057% | 3,861 |
| Noninterest expense to average assets | 3.2995% | 2,335 |
| Loan and lease loss provision to assets | 0.1837% | 3,339 |
| Net operating income to assets | 0.5544% | 4,454 |
| Return on assets (ROA) | 0.5952% | 4,523 |
| Pretax return on assets | 0.5952% | 5,005 |
| Return on Equity (ROE) | 4.6240% | 4,871 |
| Retained earnings to average equity (ytd only) | 4.6240% | 2,971 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7192% | 1,910 |
| Assets per employee ($millions) | 4.6060% | 2,771 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1412% | 5,383 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1179% | 6,279 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 62.4651% | 3,171 |
| Net loans and leases to deposits | 72.1515% | 3,388 |
| Net loans and leases to core deposits | 78.2713% | 3,224 |
| Total domestic deposits to total assets | 86.5750% | 3,058 |
| Equity capital to assets | 13.0808% | 1,404 |
| Core capital (leverage) ratio | 12.4200% | 1,354 |
| Tier 1 risk-based capital ratio | 20.1021% | 1,647 |
| Total risk-based capital ratio | 21.2602% | 1,650 |
| Memoranda: | ||
| Average total assets | $63,676,800 | 5,830 |
| Average earning assets | $59,997,200 | 5,746 |
| Average equity | $8,196,400 | 5,443 |
| Average total loans | $38,096,800 | 5,584 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3829% | 4,121 |
| Cost of funding earning assets | 0.6602% | 4,099 |
| Net interest margin | 3.7227% | 3,690 |
| Noninterest income to average assets | 0.4915% | 3,976 |
| Noninterest expense to average assets | 3.2831% | 2,318 |
| Loan and lease loss provision to assets | 0.2143% | 2,928 |
| Net operating income to assets | 0.4999% | 4,845 |
| Return on assets (ROA) | 0.5566% | 4,854 |
| Pretax return on assets | 0.5566% | 5,284 |
| Return on Equity (ROE) | 4.3423% | 5,130 |
| Retained earnings to average equity (ytd only) | 4.3423% | 3,836 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.1335% | 1,792 |
| Assets per employee ($millions) | 4.8221% | 2,414 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1067% | 5,692 |
| Loan loss allowance to noncurrent loans | 900.0000% | 475 |
| Noncurrent assets plus other real estate owned to assets | 0.2059% | 6,198 |
| Noncurrent loans to loans | 0.1230% | 6,301 |
| Net loans and leases to total assets | 59.5645% | 3,864 |
| Net loans and leases to deposits | 68.3889% | 4,116 |
| Net loans and leases to core deposits | 76.4967% | 3,672 |
| Total domestic deposits to total assets | 87.0967% | 2,608 |
| Equity capital to assets | 12.4293% | 1,944 |
| Core capital (leverage) ratio | 12.3027% | 1,494 |
| Tier 1 risk-based capital ratio | 19.6608% | 1,838 |
| Total risk-based capital ratio | 20.7705% | 1,850 |
| Memoranda: | ||
| Average total assets | $63,475,000 | 5,893 |
| Average earning assets | $59,776,250 | 5,812 |
| Average equity | $8,136,750 | 5,515 |
| Average total loans | $37,434,750 | 5,684 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4679% | 3,911 |
| Cost of funding earning assets | 0.6716% | 4,263 |
| Net interest margin | 3.7963% | 3,382 |
| Noninterest income to average assets | 0.4764% | 4,085 |
| Noninterest expense to average assets | 3.2963% | 2,313 |
| Loan and lease loss provision to assets | 0.1996% | 3,088 |
| Net operating income to assets | 0.5472% | 4,593 |
| Return on assets (ROA) | 0.5472% | 4,872 |
| Pretax return on assets | 0.5472% | 5,318 |
| Return on Equity (ROE) | 4.2226% | 5,170 |
| Retained earnings to average equity (ytd only) | 4.2226% | 3,802 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5287% | 1,961 |
| Assets per employee ($millions) | 5.1024% | 2,031 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0819% | 5,857 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1447% | 6,425 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 56.5120% | 4,393 |
| Net loans and leases to deposits | 64.8541% | 4,655 |
| Net loans and leases to core deposits | 73.5692% | 4,086 |
| Total domestic deposits to total assets | 87.1372% | 2,691 |
| Equity capital to assets | 12.3426% | 1,916 |
| Core capital (leverage) ratio | 12.4767% | 1,364 |
| Tier 1 risk-based capital ratio | 20.0942% | 1,686 |
| Total risk-based capital ratio | 21.1419% | 1,697 |
| Memoranda: | ||
| Average total assets | $62,130,000 | 5,974 |
| Average earning assets | $58,372,000 | 5,892 |
| Average equity | $8,052,000 | 5,558 |
| Average total loans | $36,359,000 | 5,770 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3619% | 4,469 |
| Cost of funding earning assets | 0.6656% | 4,573 |
| Net interest margin | 3.6963% | 3,851 |
| Noninterest income to average assets | 0.4731% | 4,117 |
| Noninterest expense to average assets | 3.2784% | 2,360 |
| Loan and lease loss provision to assets | 0.1666% | 3,309 |
| Net operating income to assets | 0.5064% | 4,800 |
| Return on assets (ROA) | 0.5064% | 5,009 |
| Pretax return on assets | 0.5064% | 5,406 |
| Return on Equity (ROE) | 3.8074% | 5,377 |
| Retained earnings to average equity (ytd only) | 3.8074% | 4,303 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.9680% | 1,806 |
| Assets per employee ($millions) | 4.7793% | 2,545 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0183% | 6,180 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1593% | 6,492 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 58.3525% | 3,978 |
| Net loans and leases to deposits | 67.4186% | 4,159 |
| Net loans and leases to core deposits | 74.1350% | 3,887 |
| Total domestic deposits to total assets | 86.5526% | 3,209 |
| Equity capital to assets | 12.9179% | 1,473 |
| Core capital (leverage) ratio | 13.1996% | 1,056 |
| Tier 1 risk-based capital ratio | 19.7847% | 1,764 |
| Total risk-based capital ratio | 20.7362% | 1,812 |
| Memoranda: | ||
| Average total assets | $60,029,500 | 6,061 |
| Average earning assets | $56,489,500 | 5,994 |
| Average equity | $7,984,500 | 5,602 |
| Average total loans | $35,591,000 | 5,844 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3744% | 5,520 |
| Cost of funding earning assets | 0.6719% | 5,701 |
| Net interest margin | 3.7025% | 4,289 |
| Noninterest income to average assets | 0.4566% | 4,170 |
| Noninterest expense to average assets | 4.0427% | 974 |
| Loan and lease loss provision to assets | 0.1318% | 4,964 |
| Net operating income to assets | -0.2710% | 6,317 |
| Return on assets (ROA) | -0.2710% | 6,376 |
| Pretax return on assets | -0.2710% | 6,334 |
| Return on Equity (ROE) | -1.8416% | 6,324 |
| Retained earnings to average equity (ytd only) | -1.8416% | 6,139 |
| Net charge-offs to loans | 4.1793% | 138 |
| Credit loss provision to net charge-offs | 5.1449% | 6,042 |
| Earnings coverage of net charge-offs (x) | -0.0543% | 5,863 |
| Efficiency ratio | 103.5663% | 583 |
| Assets per employee ($millions) | 4.8273% | 2,414 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0071% | 6,187 |
| Loan loss allowance to noncurrent loans | 773.3333% | 488 |
| Noncurrent assets plus other real estate owned to assets | 0.2486% | 6,347 |
| Noncurrent loans to loans | 0.1302% | 6,482 |
| Net loans and leases to total assets | 59.0492% | 4,188 |
| Net loans and leases to deposits | 68.7226% | 4,323 |
| Net loans and leases to core deposits | 73.2290% | 4,346 |
| Total domestic deposits to total assets | 85.9239% | 3,362 |
| Equity capital to assets | 13.7118% | 1,169 |
| Core capital (leverage) ratio | 13.7858% | 876 |
| Tier 1 risk-based capital ratio | 21.3065% | 1,359 |
| Total risk-based capital ratio | 22.2762% | 1,383 |
| Memoranda: | ||
| Average total assets | $53,874,400 | 6,233 |
| Average earning assets | $50,155,400 | 6,186 |
| Average equity | $7,928,000 | 5,591 |
| Average total loans | $33,019,800 | 6,014 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4507% | 5,428 |
| Cost of funding earning assets | 0.6707% | 5,931 |
| Net interest margin | 3.7800% | 3,969 |
| Noninterest income to average assets | 0.4464% | 4,320 |
| Noninterest expense to average assets | 4.1920% | 805 |
| Loan and lease loss provision to assets | 0.0807% | 5,432 |
| Net operating income to assets | -0.3153% | 6,512 |
| Return on assets (ROA) | -0.3153% | 6,566 |
| Pretax return on assets | -0.3153% | 6,503 |
| Return on Equity (ROE) | -2.1032% | 6,489 |
| Retained earnings to average equity (ytd only) | -2.1032% | 6,312 |
| Net charge-offs to loans | 5.6377% | 67 |
| Credit loss provision to net charge-offs | 2.3188% | 5,724 |
| Earnings coverage of net charge-offs (x) | -0.0674% | 5,641 |
| Efficiency ratio | 105.9273% | 502 |
| Assets per employee ($millions) | 4.7828% | 2,498 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9915% | 6,313 |
| Loan loss allowance to noncurrent loans | 686.6667% | 506 |
| Noncurrent assets plus other real estate owned to assets | 0.3049% | 6,306 |
| Noncurrent loans to loans | 0.1444% | 6,583 |
| Net loans and leases to total assets | 53.7609% | 5,200 |
| Net loans and leases to deposits | 62.8642% | 5,307 |
| Net loans and leases to core deposits | 64.4397% | 5,568 |
| Total domestic deposits to total assets | 85.5191% | 3,479 |
| Equity capital to assets | 13.9721% | 1,163 |
| Core capital (leverage) ratio | 14.9531% | 674 |
| Tier 1 risk-based capital ratio | 22.8346% | 1,168 |
| Total risk-based capital ratio | 23.7492% | 1,193 |
| Memoranda: | ||
| Average total assets | $52,861,000 | 6,320 |
| Average earning assets | $49,099,250 | 6,284 |
| Average equity | $7,924,250 | 5,624 |
| Average total loans | $32,636,250 | 6,094 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5189% | 5,296 |
| Cost of funding earning assets | 0.6949% | 5,995 |
| Net interest margin | 3.8240% | 3,673 |
| Noninterest income to average assets | 0.4206% | 4,507 |
| Noninterest expense to average assets | 4.5336% | 573 |
| Loan and lease loss provision to assets | 0.1246% | 4,732 |
| Net operating income to assets | -0.7011% | 6,818 |
| Return on assets (ROA) | -0.7011% | 6,825 |
| Pretax return on assets | -0.7011% | 6,772 |
| Return on Equity (ROE) | -4.5612% | 6,686 |
| Retained earnings to average equity (ytd only) | -4.5612% | 6,530 |
| Net charge-offs to loans | 8.3316% | 34 |
| Credit loss provision to net charge-offs | 2.3188% | 5,317 |
| Earnings coverage of net charge-offs (x) | -0.1072% | 5,352 |
| Efficiency ratio | 114.5669% | 404 |
| Assets per employee ($millions) | 4.0118% | 3,735 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9657% | 6,463 |
| Loan loss allowance to noncurrent loans | 657.4468% | 531 |
| Noncurrent assets plus other real estate owned to assets | 0.3677% | 6,220 |
| Noncurrent loans to loans | 0.1469% | 6,613 |
| Net loans and leases to total assets | 65.8219% | 3,069 |
| Net loans and leases to deposits | 79.2973% | 2,924 |
| Net loans and leases to core deposits | 83.3895% | 3,307 |
| Total domestic deposits to total assets | 83.0065% | 4,752 |
| Equity capital to assets | 16.3828% | 562 |
| Core capital (leverage) ratio | 15.6544% | 546 |
| Tier 1 risk-based capital ratio | 23.4163% | 1,071 |
| Total risk-based capital ratio | 24.3629% | 1,085 |
| Memoranda: | ||
| Average total assets | $51,350,330 | 6,438 |
| Average earning assets | $47,489,000 | 6,381 |
| Average equity | $7,892,670 | 5,652 |
| Average total loans | $33,127,000 | 6,125 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3258% | 5,931 |
| Cost of funding earning assets | 0.7182% | 6,033 |
| Net interest margin | 3.6075% | 4,537 |
| Noninterest income to average assets | 0.3852% | 4,830 |
| Noninterest expense to average assets | 4.5775% | 551 |
| Loan and lease loss provision to assets | 0.3777% | 2,298 |
| Net operating income to assets | -1.2312% | 7,112 |
| Return on assets (ROA) | -1.2312% | 7,115 |
| Pretax return on assets | -1.2312% | 7,071 |
| Return on Equity (ROE) | -8.2579% | 6,965 |
| Retained earnings to average equity (ytd only) | -8.2579% | 6,766 |
| Net charge-offs to loans | 0.5224% | 2,179 |
| Credit loss provision to net charge-offs | 113.6364% | 2,362 |
| Earnings coverage of net charge-offs (x) | -2.5682% | 4,981 |
| Efficiency ratio | 122.9209% | 320 |
| Assets per employee ($millions) | 4.0429% | 3,752 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9503% | 202 |
| Loan loss allowance to noncurrent loans | 69.2628% | 3,956 |
| Noncurrent assets plus other real estate owned to assets | 4.8156% | 1,322 |
| Noncurrent loans to loans | 7.1471% | 759 |
| Net loans and leases to total assets | 60.7538% | 4,123 |
| Net loans and leases to deposits | 71.6761% | 4,114 |
| Net loans and leases to core deposits | 76.0860% | 4,289 |
| Total domestic deposits to total assets | 84.7616% | 4,146 |
| Equity capital to assets | 14.9035% | 785 |
| Core capital (leverage) ratio | 14.6894% | 710 |
| Tier 1 risk-based capital ratio | 21.8135% | 1,259 |
| Total risk-based capital ratio | 23.1069% | 1,220 |
| Memoranda: | ||
| Average total assets | $52,954,500 | 6,412 |
| Average earning assets | $49,008,500 | 6,381 |
| Average equity | $7,895,500 | 5,645 |
| Average total loans | $33,692,000 | 6,141 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7845% | 5,472 |
| Cost of funding earning assets | 1.0270% | 5,551 |
| Net interest margin | 3.7576% | 4,119 |
| Noninterest income to average assets | 0.3259% | 5,455 |
| Noninterest expense to average assets | 4.1505% | 960 |
| Loan and lease loss provision to assets | 3.2369% | 267 |
| Net operating income to assets | -3.5848% | 7,385 |
| Return on assets (ROA) | -3.5848% | 7,401 |
| Pretax return on assets | -3.5848% | 7,383 |
| Return on Equity (ROE) | -20.7878% | 7,053 |
| Retained earnings to average equity (ytd only) | -20.7878% | 7,025 |
| Net charge-offs to loans | 1.5812% | 1,379 |
| Credit loss provision to net charge-offs | 299.1540% | 897 |
| Earnings coverage of net charge-offs (x) | -0.3215% | 6,371 |
| Efficiency ratio | 109.1478% | 555 |
| Assets per employee ($millions) | 4.1039% | 3,570 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9038% | 203 |
| Loan loss allowance to noncurrent loans | 64.3495% | 4,184 |
| Noncurrent assets plus other real estate owned to assets | 4.8265% | 1,347 |
| Noncurrent loans to loans | 7.6206% | 702 |
| Net loans and leases to total assets | 60.2294% | 4,641 |
| Net loans and leases to deposits | 71.1411% | 4,659 |
| Net loans and leases to core deposits | 75.3111% | 4,810 |
| Total domestic deposits to total assets | 84.6620% | 4,020 |
| Equity capital to assets | 14.9163% | 808 |
| Core capital (leverage) ratio | 14.1045% | 824 |
| Tier 1 risk-based capital ratio | 21.8989% | 1,192 |
| Total risk-based capital ratio | 23.1898% | 1,160 |
| Memoranda: | ||
| Average total assets | $54,619,400 | 6,384 |
| Average earning assets | $50,538,000 | 6,348 |
| Average equity | $9,419,000 | 5,293 |
| Average total loans | $37,375,600 | 6,045 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8423% | 5,505 |
| Cost of funding earning assets | 1.0731% | 5,579 |
| Net interest margin | 3.7691% | 4,098 |
| Noninterest income to average assets | 0.3641% | 5,245 |
| Noninterest expense to average assets | 4.2035% | 820 |
| Loan and lease loss provision to assets | 0.3446% | 3,853 |
| Net operating income to assets | -0.6893% | 6,725 |
| Return on assets (ROA) | -0.6893% | 6,774 |
| Pretax return on assets | -0.6893% | 6,675 |
| Return on Equity (ROE) | -3.8701% | 6,562 |
| Retained earnings to average equity (ytd only) | -3.8701% | 6,447 |
| Net charge-offs to loans | -0.0348% | 7,424 |
| Credit loss provision to net charge-offs | -1,420.0000% | 7,113 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 108.9308% | 546 |
| Assets per employee ($millions) | 4.4206% | 3,044 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6815% | 3,214 |
| Loan loss allowance to noncurrent loans | 26.3224% | 6,558 |
| Noncurrent assets plus other real estate owned to assets | 4.6913% | 1,407 |
| Noncurrent loans to loans | 6.3882% | 938 |
| Net loans and leases to total assets | 64.3019% | 4,062 |
| Net loans and leases to deposits | 78.0175% | 3,823 |
| Net loans and leases to core deposits | 78.0175% | 4,803 |
| Total domestic deposits to total assets | 82.4198% | 4,830 |
| Equity capital to assets | 16.8685% | 532 |
| Core capital (leverage) ratio | 17.3362% | 397 |
| Tier 1 risk-based capital ratio | 24.0177% | 942 |
| Total risk-based capital ratio | 25.2715% | 916 |
| Memoranda: | ||
| Average total assets | $54,936,500 | 6,450 |
| Average earning assets | $50,939,000 | 6,405 |
| Average equity | $9,784,250 | 5,260 |
| Average total loans | $38,272,000 | 6,082 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9695% | 5,084 |
| Cost of funding earning assets | 1.1247% | 5,553 |
| Net interest margin | 3.8447% | 3,691 |
| Noninterest income to average assets | 0.3808% | 5,076 |
| Noninterest expense to average assets | 4.5219% | 560 |
| Loan and lease loss provision to assets | 0.4696% | 2,968 |
| Net operating income to assets | -1.0464% | 6,965 |
| Return on assets (ROA) | -1.0464% | 6,979 |
| Pretax return on assets | -1.0464% | 6,909 |
| Return on Equity (ROE) | -5.7671% | 6,759 |
| Retained earnings to average equity (ytd only) | -5.7671% | 6,637 |
| Net charge-offs to loans | -0.0416% | 7,417 |
| Credit loss provision to net charge-offs | -1,587.5000% | 6,954 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 114.6204% | 485 |
| Assets per employee ($millions) | 4.5512% | 2,789 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6687% | 3,194 |
| Loan loss allowance to noncurrent loans | 25.2774% | 6,657 |
| Noncurrent assets plus other real estate owned to assets | 4.9951% | 1,289 |
| Noncurrent loans to loans | 6.6014% | 898 |
| Net loans and leases to total assets | 66.3584% | 3,756 |
| Net loans and leases to deposits | 81.3728% | 3,368 |
| Net loans and leases to core deposits | 85.8303% | 3,862 |
| Total domestic deposits to total assets | 81.5487% | 5,179 |
| Equity capital to assets | 17.6988% | 448 |
| Core capital (leverage) ratio | 18.0752% | 352 |
| Tier 1 risk-based capital ratio | 24.6793% | 874 |
| Total risk-based capital ratio | 25.9337% | 857 |
| Memoranda: | ||
| Average total assets | $54,092,670 | 6,515 |
| Average earning assets | $50,146,330 | 6,472 |
| Average equity | $9,814,330 | 5,256 |
| Average total loans | $38,501,000 | 6,114 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0554% | 4,757 |
| Cost of funding earning assets | 1.1999% | 5,407 |
| Net interest margin | 3.8555% | 3,536 |
| Noninterest income to average assets | 0.3715% | 5,174 |
| Noninterest expense to average assets | 3.7598% | 1,395 |
| Loan and lease loss provision to assets | 0.1115% | 5,499 |
| Net operating income to assets | 0.0817% | 6,073 |
| Return on assets (ROA) | 0.0817% | 6,182 |
| Pretax return on assets | 0.0817% | 6,185 |
| Return on Equity (ROE) | 0.4450% | 6,288 |
| Retained earnings to average equity (ytd only) | 0.4450% | 5,656 |
| Net charge-offs to loans | -0.0102% | 6,896 |
| Credit loss provision to net charge-offs | -1,500.0000% | 6,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.1128% | 1,071 |
| Assets per employee ($millions) | 4.4309% | 3,074 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2905% | 4,983 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5548% | 6,120 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 71.3528% | 2,602 |
| Net loans and leases to deposits | 88.1544% | 2,197 |
| Net loans and leases to core deposits | 93.4251% | 2,913 |
| Total domestic deposits to total assets | 80.9407% | 5,481 |
| Equity capital to assets | 18.6380% | 367 |
| Core capital (leverage) ratio | 18.7305% | 326 |
| Tier 1 risk-based capital ratio | 24.1260% | 953 |
| Total risk-based capital ratio | 25.3761% | 932 |
| Memoranda: | ||
| Average total assets | $53,832,000 | 6,611 |
| Average earning assets | $50,006,000 | 6,548 |
| Average equity | $9,888,500 | 5,269 |
| Average total loans | $39,323,500 | 6,153 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3766% | 4,804 |
| Cost of funding earning assets | 1.6812% | 4,611 |
| Net interest margin | 3.6954% | 4,165 |
| Noninterest income to average assets | 0.2160% | 6,568 |
| Noninterest expense to average assets | 3.7376% | 1,826 |
| Loan and lease loss provision to assets | 0.4987% | 3,881 |
| Net operating income to assets | -0.6049% | 6,275 |
| Return on assets (ROA) | -0.6049% | 6,269 |
| Pretax return on assets | -0.6049% | 6,099 |
| Return on Equity (ROE) | -3.3873% | 6,040 |
| Retained earnings to average equity (ytd only) | -3.3873% | 5,767 |
| Net charge-offs to loans | 0.3010% | 4,750 |
| Credit loss provision to net charge-offs | 230.8333% | 1,587 |
| Earnings coverage of net charge-offs (x) | -0.4917% | 6,687 |
| Efficiency ratio | 102.9251% | 978 |
| Assets per employee ($millions) | 4.5411% | 2,855 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1937% | 5,409 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5267% | 6,136 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 72.9121% | 2,529 |
| Net loans and leases to deposits | 92.8687% | 1,755 |
| Net loans and leases to core deposits | 125.6388% | 1,543 |
| Total domestic deposits to total assets | 78.5110% | 6,116 |
| Equity capital to assets | 18.1069% | 438 |
| Core capital (leverage) ratio | 18.0636% | 407 |
| Tier 1 risk-based capital ratio | 22.8597% | 1,056 |
| Total risk-based capital ratio | 24.0243% | 1,041 |
| Memoranda: | ||
| Average total assets | $55,544,200 | 6,508 |
| Average earning assets | $51,333,400 | 6,482 |
| Average equity | $9,919,400 | 5,318 |
| Average total loans | $39,860,600 | 6,116 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4076% | 4,909 |
| Cost of funding earning assets | 1.7629% | 4,575 |
| Net interest margin | 3.6448% | 4,301 |
| Noninterest income to average assets | 0.3034% | 6,053 |
| Noninterest expense to average assets | 3.8943% | 1,436 |
| Loan and lease loss provision to assets | 0.6761% | 2,710 |
| Net operating income to assets | -0.9031% | 6,764 |
| Return on assets (ROA) | -0.9031% | 6,774 |
| Pretax return on assets | -0.9031% | 6,613 |
| Return on Equity (ROE) | -5.0742% | 6,459 |
| Retained earnings to average equity (ytd only) | -5.0742% | 6,265 |
| Net charge-offs to loans | 0.2615% | 4,413 |
| Credit loss provision to net charge-offs | 362.8205% | 1,124 |
| Earnings coverage of net charge-offs (x) | -1.2179% | 6,664 |
| Efficiency ratio | 106.1889% | 851 |
| Assets per employee ($millions) | 4.6923% | 2,573 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2666% | 4,712 |
| Loan loss allowance to noncurrent loans | 161.4679% | 1,785 |
| Noncurrent assets plus other real estate owned to assets | 0.5807% | 6,002 |
| Noncurrent loans to loans | 0.7844% | 5,730 |
| Net loans and leases to total assets | 73.0962% | 2,764 |
| Net loans and leases to deposits | 92.2744% | 2,195 |
| Net loans and leases to core deposits | 127.4707% | 1,620 |
| Total domestic deposits to total assets | 79.2161% | 5,730 |
| Equity capital to assets | 17.2942% | 589 |
| Core capital (leverage) ratio | 17.0792% | 545 |
| Tier 1 risk-based capital ratio | 19.3126% | 1,681 |
| Total risk-based capital ratio | 20.4177% | 1,674 |
| Memoranda: | ||
| Average total assets | $55,807,000 | 6,553 |
| Average earning assets | $51,506,000 | 6,518 |
| Average equity | $9,932,500 | 5,352 |
| Average total loans | $39,772,750 | 6,167 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3624% | 5,339 |
| Cost of funding earning assets | 1.8134% | 4,693 |
| Net interest margin | 3.5490% | 4,577 |
| Noninterest income to average assets | 0.2552% | 6,450 |
| Noninterest expense to average assets | 3.7671% | 1,708 |
| Loan and lease loss provision to assets | 0.3415% | 3,886 |
| Net operating income to assets | -0.5751% | 6,627 |
| Return on assets (ROA) | -0.5751% | 6,637 |
| Pretax return on assets | -0.5751% | 6,502 |
| Return on Equity (ROE) | -3.2009% | 6,388 |
| Retained earnings to average equity (ytd only) | -3.2009% | 6,003 |
| Net charge-offs to loans | 0.1533% | 4,662 |
| Credit loss provision to net charge-offs | 316.6667% | 1,470 |
| Earnings coverage of net charge-offs (x) | -2.1667% | 6,363 |
| Efficiency ratio | 106.6124% | 952 |
| Assets per employee ($millions) | 4.0309% | 3,620 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9521% | 6,542 |
| Loan loss allowance to noncurrent loans | 1,293.3333% | 285 |
| Noncurrent assets plus other real estate owned to assets | 1.0862% | 4,786 |
| Noncurrent loans to loans | 0.0736% | 7,339 |
| Net loans and leases to total assets | 71.5273% | 3,340 |
| Net loans and leases to deposits | 87.9623% | 3,181 |
| Net loans and leases to core deposits | 126.5995% | 1,809 |
| Total domestic deposits to total assets | 81.3159% | 4,958 |
| Equity capital to assets | 17.5323% | 601 |
| Core capital (leverage) ratio | 17.6176% | 549 |
| Tier 1 risk-based capital ratio | 21.4238% | 1,330 |
| Total risk-based capital ratio | 22.3269% | 1,350 |
| Memoranda: | ||
| Average total assets | $55,640,000 | 6,613 |
| Average earning assets | $51,394,670 | 6,579 |
| Average equity | $9,997,330 | 5,359 |
| Average total loans | $39,134,670 | 6,243 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3072% | 5,868 |
| Cost of funding earning assets | 1.8160% | 5,038 |
| Net interest margin | 3.4912% | 4,770 |
| Noninterest income to average assets | 0.2172% | 6,737 |
| Noninterest expense to average assets | 3.7145% | 1,624 |
| Loan and lease loss provision to assets | 0.2751% | 3,762 |
| Net operating income to assets | -0.5431% | 6,919 |
| Return on assets (ROA) | -0.5431% | 6,965 |
| Pretax return on assets | -0.5431% | 6,851 |
| Return on Equity (ROE) | -2.9854% | 6,773 |
| Retained earnings to average equity (ytd only) | -2.9854% | 6,276 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.7731% | 870 |
| Assets per employee ($millions) | 4.0727% | 3,504 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9056% | 6,723 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.9506% | 4,820 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 69.2834% | 3,848 |
| Net loans and leases to deposits | 85.0921% | 3,800 |
| Net loans and leases to core deposits | 116.8723% | 2,694 |
| Total domestic deposits to total assets | 81.4217% | 4,783 |
| Equity capital to assets | 17.5997% | 656 |
| Core capital (leverage) ratio | 18.5877% | 485 |
| Tier 1 risk-based capital ratio | 22.0328% | 1,299 |
| Total risk-based capital ratio | 22.9018% | 1,315 |
| Memoranda: | ||
| Average total assets | $55,243,500 | 6,663 |
| Average earning assets | $51,100,500 | 6,615 |
| Average equity | $10,049,000 | 5,370 |
| Average total loans | $38,325,500 | 6,313 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9999% | 5,544 |
| Cost of funding earning assets | 2.1055% | 6,028 |
| Net interest margin | 3.8944% | 3,588 |
| Noninterest income to average assets | 0.2494% | 6,665 |
| Noninterest expense to average assets | 4.5780% | 827 |
| Loan and lease loss provision to assets | 0.3112% | 3,886 |
| Net operating income to assets | -1.1368% | 7,313 |
| Return on assets (ROA) | -1.1368% | 7,253 |
| Pretax return on assets | -1.1368% | 7,082 |
| Return on Equity (ROE) | -5.0491% | 6,874 |
| Retained earnings to average equity (ytd only) | -5.0491% | 6,524 |
| Net charge-offs to loans | 0.0132% | 6,723 |
| Credit loss provision to net charge-offs | 3,525.0000% | 144 |
| Earnings coverage of net charge-offs (x) | -93.5000% | 7,004 |
| Efficiency ratio | 122.0000% | 549 |
| Assets per employee ($millions) | 3.8192% | 3,920 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8781% | 6,783 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.9632% | 4,423 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 68.1947% | 4,430 |
| Net loans and leases to deposits | 85.1104% | 4,240 |
| Net loans and leases to core deposits | 111.2864% | 3,639 |
| Total domestic deposits to total assets | 80.1249% | 4,969 |
| Equity capital to assets | 18.8203% | 567 |
| Core capital (leverage) ratio | 20.8223% | 383 |
| Tier 1 risk-based capital ratio | 22.3944% | 1,263 |
| Total risk-based capital ratio | 23.1198% | 1,297 |
| Memoranda: | ||
| Average total assets | $45,303,200 | 6,972 |
| Average earning assets | $40,750,400 | 7,009 |
| Average equity | $10,199,800 | 5,345 |
| Average total loans | $30,225,000 | 6,694 |