| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7683% | 4,186 |
| Cost of funding earning assets | 0.4876% | 2,336 |
| Net interest margin | 3.2807% | 4,426 |
| Noninterest income to average assets | 0.2688% | 5,011 |
| Noninterest expense to average assets | 2.3813% | 4,563 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.6235% | 4,268 |
| Return on assets (ROA) | 0.6275% | 4,361 |
| Pretax return on assets | 1.0041% | 3,599 |
| Return on Equity (ROE) | 6.8559% | 3,701 |
| Retained earnings to average equity (ytd only) | 6.8559% | 1,755 |
| Net charge-offs to loans | -0.0101% | 4,989 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4728% | 3,139 |
| Assets per employee ($millions) | 8.0674% | 524 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6141% | 1,740 |
| Loan loss allowance to noncurrent loans | 189.8328% | 2,363 |
| Noncurrent assets plus other real estate owned to assets | 0.6651% | 3,259 |
| Noncurrent loans to loans | 0.8503% | 2,848 |
| Net loans and leases to total assets | 62.6789% | 3,508 |
| Net loans and leases to deposits | 77.9182% | 3,105 |
| Net loans and leases to core deposits | 79.4766% | 3,466 |
| Total domestic deposits to total assets | 80.4420% | 4,627 |
| Equity capital to assets | 9.6974% | 4,522 |
| Core capital (leverage) ratio | 7.5600% | 6,042 |
| Tier 1 risk-based capital ratio | 10.3911% | 5,925 |
| Total risk-based capital ratio | 11.6640% | 5,850 |
| Memoranda: |
| Average total assets | $1,354,659,500 | 527 |
| Average earning assets | $1,284,264,000 | 510 |
| Average equity | $123,996,250 | 618 |
| Average total loans | $835,668,000 | 562 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7638% | 4,196 |
| Cost of funding earning assets | 0.4915% | 2,333 |
| Net interest margin | 3.2723% | 4,412 |
| Noninterest income to average assets | 0.3129% | 4,715 |
| Noninterest expense to average assets | 2.4138% | 4,501 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.6262% | 4,230 |
| Return on assets (ROA) | 0.6322% | 4,321 |
| Pretax return on assets | 1.0090% | 3,547 |
| Return on Equity (ROE) | 7.0455% | 3,582 |
| Retained earnings to average equity (ytd only) | 7.0455% | 1,684 |
| Net charge-offs to loans | -0.0273% | 5,288 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7150% | 3,214 |
| Assets per employee ($millions) | 8.0799% | 512 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6493% | 1,747 |
| Loan loss allowance to noncurrent loans | 212.1129% | 2,146 |
| Noncurrent assets plus other real estate owned to assets | 0.5883% | 3,648 |
| Noncurrent loans to loans | 0.7776% | 3,166 |
| Net loans and leases to total assets | 59.3154% | 3,930 |
| Net loans and leases to deposits | 72.6334% | 3,661 |
| Net loans and leases to core deposits | 73.9618% | 3,960 |
| Total domestic deposits to total assets | 81.6641% | 4,402 |
| Equity capital to assets | 8.9028% | 5,341 |
| Core capital (leverage) ratio | 7.1674% | 6,162 |
| Tier 1 risk-based capital ratio | 9.8101% | 6,144 |
| Total risk-based capital ratio | 11.0839% | 6,085 |
| Memoranda: |
| Average total assets | $1,357,128,330 | 522 |
| Average earning assets | $1,285,897,000 | 504 |
| Average equity | $121,779,000 | 633 |
| Average total loans | $828,124,670 | 563 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7558% | 4,178 |
| Cost of funding earning assets | 0.5060% | 2,233 |
| Net interest margin | 3.2498% | 4,420 |
| Noninterest income to average assets | 0.4749% | 3,466 |
| Noninterest expense to average assets | 2.4644% | 4,393 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.6786% | 3,899 |
| Return on assets (ROA) | 0.6843% | 4,005 |
| Pretax return on assets | 1.0943% | 3,104 |
| Return on Equity (ROE) | 7.5951% | 3,169 |
| Retained earnings to average equity (ytd only) | 7.5951% | 1,723 |
| Net charge-offs to loans | -0.0219% | 5,088 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4259% | 3,591 |
| Assets per employee ($millions) | 7.7998% | 592 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6613% | 1,846 |
| Loan loss allowance to noncurrent loans | 200.2605% | 2,214 |
| Noncurrent assets plus other real estate owned to assets | 0.6761% | 3,459 |
| Noncurrent loans to loans | 0.8296% | 3,170 |
| Net loans and leases to total assets | 60.0024% | 3,651 |
| Net loans and leases to deposits | 73.2071% | 3,402 |
| Net loans and leases to core deposits | 74.6020% | 3,729 |
| Total domestic deposits to total assets | 81.9626% | 4,519 |
| Equity capital to assets | 8.9891% | 5,304 |
| Core capital (leverage) ratio | 6.8629% | 6,252 |
| Tier 1 risk-based capital ratio | 9.4608% | 6,277 |
| Total risk-based capital ratio | 10.7134% | 6,256 |
| Memoranda: |
| Average total assets | $1,336,778,500 | 530 |
| Average earning assets | $1,264,832,500 | 510 |
| Average equity | $120,445,500 | 642 |
| Average total loans | $820,671,500 | 566 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7976% | 4,501 |
| Cost of funding earning assets | 0.5552% | 2,171 |
| Net interest margin | 3.2424% | 4,784 |
| Noninterest income to average assets | 0.1744% | 5,813 |
| Noninterest expense to average assets | 2.5688% | 4,329 |
| Loan and lease loss provision to assets | 0.0314% | 3,970 |
| Net operating income to assets | 0.3912% | 5,249 |
| Return on assets (ROA) | 0.4538% | 5,094 |
| Pretax return on assets | 0.7195% | 4,558 |
| Return on Equity (ROE) | 5.1095% | 4,605 |
| Retained earnings to average equity (ytd only) | 5.1095% | 2,520 |
| Net charge-offs to loans | -0.3148% | 6,340 |
| Credit loss provision to net charge-offs | -16.7502% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7305% | 1,974 |
| Assets per employee ($millions) | 7.5641% | 642 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7058% | 1,758 |
| Loan loss allowance to noncurrent loans | 218.6965% | 2,082 |
| Noncurrent assets plus other real estate owned to assets | 0.6658% | 3,580 |
| Noncurrent loans to loans | 0.7800% | 3,357 |
| Net loans and leases to total assets | 60.7297% | 3,687 |
| Net loans and leases to deposits | 74.7392% | 3,345 |
| Net loans and leases to core deposits | 76.3302% | 3,671 |
| Total domestic deposits to total assets | 81.2555% | 4,662 |
| Equity capital to assets | 9.0320% | 5,252 |
| Core capital (leverage) ratio | 6.3000% | 6,386 |
| Tier 1 risk-based capital ratio | 8.7890% | 6,421 |
| Total risk-based capital ratio | 10.0421% | 6,418 |
| Memoranda: |
| Average total assets | $1,278,443,200 | 527 |
| Average earning assets | $1,201,614,000 | 511 |
| Average equity | $113,552,200 | 646 |
| Average total loans | $760,431,400 | 575 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7822% | 4,610 |
| Cost of funding earning assets | 0.5593% | 2,201 |
| Net interest margin | 3.2229% | 4,883 |
| Noninterest income to average assets | 0.1629% | 5,941 |
| Noninterest expense to average assets | 2.6677% | 3,951 |
| Loan and lease loss provision to assets | 0.0421% | 3,552 |
| Net operating income to assets | 0.3021% | 5,572 |
| Return on assets (ROA) | 0.3766% | 5,412 |
| Pretax return on assets | 0.5950% | 5,048 |
| Return on Equity (ROE) | 4.2588% | 5,059 |
| Retained earnings to average equity (ytd only) | 4.2588% | 3,623 |
| Net charge-offs to loans | -0.5141% | 6,465 |
| Credit loss provision to net charge-offs | -13.8947% | 5,259 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.6700% | 1,426 |
| Assets per employee ($millions) | 7.4435% | 654 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8660% | 1,540 |
| Loan loss allowance to noncurrent loans | 141.7667% | 2,862 |
| Noncurrent assets plus other real estate owned to assets | 1.0639% | 2,831 |
| Noncurrent loans to loans | 1.3163% | 2,450 |
| Net loans and leases to total assets | 57.6634% | 4,118 |
| Net loans and leases to deposits | 71.8436% | 3,700 |
| Net loans and leases to core deposits | 73.4297% | 4,004 |
| Total domestic deposits to total assets | 80.2625% | 5,026 |
| Equity capital to assets | 8.8456% | 5,511 |
| Core capital (leverage) ratio | 6.2344% | 6,461 |
| Tier 1 risk-based capital ratio | 8.6513% | 6,495 |
| Total risk-based capital ratio | 9.9058% | 6,500 |
| Memoranda: |
| Average total assets | $1,270,907,750 | 530 |
| Average earning assets | $1,193,060,750 | 514 |
| Average equity | $112,392,250 | 651 |
| Average total loans | $748,416,500 | 582 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7961% | 4,543 |
| Cost of funding earning assets | 0.5643% | 2,216 |
| Net interest margin | 3.2318% | 4,838 |
| Noninterest income to average assets | 0.1208% | 6,197 |
| Noninterest expense to average assets | 2.7512% | 3,697 |
| Loan and lease loss provision to assets | 0.0636% | 2,997 |
| Net operating income to assets | 0.2134% | 5,796 |
| Return on assets (ROA) | 0.3159% | 5,589 |
| Pretax return on assets | 0.4969% | 5,281 |
| Return on Equity (ROE) | 3.5730% | 5,312 |
| Retained earnings to average equity (ytd only) | 3.5730% | 3,918 |
| Net charge-offs to loans | -0.5148% | 6,515 |
| Credit loss provision to net charge-offs | -20.9728% | 5,105 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.3005% | 1,153 |
| Assets per employee ($millions) | 7.2880% | 699 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7799% | 1,897 |
| Loan loss allowance to noncurrent loans | 106.2934% | 3,503 |
| Noncurrent assets plus other real estate owned to assets | 1.2142% | 2,658 |
| Noncurrent loans to loans | 1.6745% | 2,072 |
| Net loans and leases to total assets | 57.5852% | 4,039 |
| Net loans and leases to deposits | 71.5398% | 3,632 |
| Net loans and leases to core deposits | 73.3904% | 3,901 |
| Total domestic deposits to total assets | 80.4939% | 5,132 |
| Equity capital to assets | 8.9344% | 5,377 |
| Core capital (leverage) ratio | 5.9138% | 6,543 |
| Tier 1 risk-based capital ratio | 8.7500% | 6,551 |
| Total risk-based capital ratio | 10.0042% | 6,553 |
| Memoranda: |
| Average total assets | $1,260,339,670 | 534 |
| Average earning assets | $1,181,898,000 | 518 |
| Average equity | $111,448,330 | 647 |
| Average total loans | $742,750,670 | 583 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8380% | 4,334 |
| Cost of funding earning assets | 0.5636% | 2,311 |
| Net interest margin | 3.2744% | 4,647 |
| Noninterest income to average assets | 0.1405% | 6,135 |
| Noninterest expense to average assets | 2.8448% | 3,398 |
| Loan and lease loss provision to assets | 0.1280% | 1,897 |
| Net operating income to assets | 0.1450% | 5,942 |
| Return on assets (ROA) | 0.1718% | 5,919 |
| Pretax return on assets | 0.2739% | 5,776 |
| Return on Equity (ROE) | 1.9528% | 5,797 |
| Retained earnings to average equity (ytd only) | 1.9528% | 4,817 |
| Net charge-offs to loans | 0.0989% | 2,177 |
| Credit loss provision to net charge-offs | 219.1257% | 977 |
| Earnings coverage of net charge-offs (x) | 6.1639% | 2,265 |
| Efficiency ratio | 88.7627% | 1,154 |
| Assets per employee ($millions) | 7.2688% | 700 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4952% | 3,161 |
| Loan loss allowance to noncurrent loans | 115.5844% | 3,266 |
| Noncurrent assets plus other real estate owned to assets | 1.0507% | 3,154 |
| Noncurrent loans to loans | 1.2936% | 2,867 |
| Net loans and leases to total assets | 58.0791% | 3,828 |
| Net loans and leases to deposits | 71.6545% | 3,385 |
| Net loans and leases to core deposits | 73.5123% | 3,698 |
| Total domestic deposits to total assets | 81.0544% | 5,219 |
| Equity capital to assets | 8.7799% | 5,362 |
| Core capital (leverage) ratio | 5.9016% | 6,599 |
| Tier 1 risk-based capital ratio | 8.4085% | 6,615 |
| Total risk-based capital ratio | 9.6596% | 6,618 |
| Memoranda: |
| Average total assets | $1,252,812,500 | 541 |
| Average earning assets | $1,172,491,000 | 526 |
| Average equity | $110,198,000 | 651 |
| Average total loans | $740,252,500 | 587 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8727% | 4,563 |
| Cost of funding earning assets | 0.6223% | 2,458 |
| Net interest margin | 3.2504% | 4,837 |
| Noninterest income to average assets | 0.0325% | 6,589 |
| Noninterest expense to average assets | 2.7891% | 3,764 |
| Loan and lease loss provision to assets | 0.3900% | 772 |
| Net operating income to assets | -0.0813% | 6,284 |
| Return on assets (ROA) | 0.0115% | 6,235 |
| Pretax return on assets | -0.0077% | 6,237 |
| Return on Equity (ROE) | 0.1301% | 6,230 |
| Retained earnings to average equity (ytd only) | 0.1301% | 5,794 |
| Net charge-offs to loans | 1.1048% | 507 |
| Credit loss provision to net charge-offs | 61.0344% | 3,529 |
| Earnings coverage of net charge-offs (x) | 0.3714% | 4,958 |
| Efficiency ratio | 92.1589% | 868 |
| Assets per employee ($millions) | 6.9302% | 797 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5053% | 3,151 |
| Loan loss allowance to noncurrent loans | 105.4368% | 3,487 |
| Noncurrent assets plus other real estate owned to assets | 1.1561% | 3,086 |
| Noncurrent loans to loans | 1.4277% | 2,747 |
| Net loans and leases to total assets | 58.3264% | 3,976 |
| Net loans and leases to deposits | 75.4145% | 3,042 |
| Net loans and leases to core deposits | 77.5566% | 3,419 |
| Total domestic deposits to total assets | 77.3411% | 5,929 |
| Equity capital to assets | 8.8127% | 5,241 |
| Core capital (leverage) ratio | 5.8018% | 6,667 |
| Tier 1 risk-based capital ratio | 8.5667% | 6,681 |
| Total risk-based capital ratio | 9.8181% | 6,679 |
| Memoranda: |
| Average total assets | $1,258,722,400 | 523 |
| Average earning assets | $1,159,393,400 | 512 |
| Average equity | $111,472,800 | 630 |
| Average total loans | $728,022,000 | 577 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8911% | 4,535 |
| Cost of funding earning assets | 0.6331% | 2,519 |
| Net interest margin | 3.2580% | 4,801 |
| Noninterest income to average assets | 0.0284% | 6,680 |
| Noninterest expense to average assets | 2.9010% | 3,306 |
| Loan and lease loss provision to assets | 0.1820% | 1,997 |
| Net operating income to assets | -0.0436% | 6,335 |
| Return on assets (ROA) | 0.0793% | 6,227 |
| Pretax return on assets | 0.1287% | 6,178 |
| Return on Equity (ROE) | 0.8939% | 6,197 |
| Retained earnings to average equity (ytd only) | 0.8939% | 5,618 |
| Net charge-offs to loans | 0.7557% | 792 |
| Credit loss provision to net charge-offs | 41.8870% | 3,667 |
| Earnings coverage of net charge-offs (x) | 0.2733% | 4,771 |
| Efficiency ratio | 96.0665% | 617 |
| Assets per employee ($millions) | 7.0625% | 723 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6559% | 2,777 |
| Loan loss allowance to noncurrent loans | 74.6011% | 4,247 |
| Noncurrent assets plus other real estate owned to assets | 2.6435% | 1,429 |
| Noncurrent loans to loans | 2.2197% | 1,994 |
| Net loans and leases to total assets | 56.3839% | 4,268 |
| Net loans and leases to deposits | 70.3613% | 3,736 |
| Net loans and leases to core deposits | 72.2446% | 4,059 |
| Total domestic deposits to total assets | 80.1348% | 5,468 |
| Equity capital to assets | 8.8716% | 5,329 |
| Core capital (leverage) ratio | 5.7538% | 6,741 |
| Tier 1 risk-based capital ratio | 8.6551% | 6,741 |
| Total risk-based capital ratio | 9.9077% | 6,744 |
| Memoranda: |
| Average total assets | $1,265,008,250 | 521 |
| Average earning assets | $1,161,500,000 | 514 |
| Average equity | $112,163,250 | 636 |
| Average total loans | $727,403,000 | 580 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9240% | 4,386 |
| Cost of funding earning assets | 0.6436% | 2,557 |
| Net interest margin | 3.2804% | 4,652 |
| Noninterest income to average assets | 0.1229% | 6,439 |
| Noninterest expense to average assets | 3.0024% | 2,995 |
| Loan and lease loss provision to assets | 0.2263% | 1,670 |
| Net operating income to assets | -0.0756% | 6,384 |
| Return on assets (ROA) | 0.1079% | 6,206 |
| Pretax return on assets | 0.1862% | 6,103 |
| Return on Equity (ROE) | 1.2177% | 6,164 |
| Retained earnings to average equity (ytd only) | 1.2177% | 5,413 |
| Net charge-offs to loans | 1.0092% | 601 |
| Credit loss provision to net charge-offs | 38.9519% | 3,439 |
| Earnings coverage of net charge-offs (x) | 0.2164% | 4,475 |
| Efficiency ratio | 95.9823% | 655 |
| Assets per employee ($millions) | 7.6219% | 529 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6522% | 2,973 |
| Loan loss allowance to noncurrent loans | 78.1281% | 4,103 |
| Noncurrent assets plus other real estate owned to assets | 2.9085% | 1,403 |
| Noncurrent loans to loans | 2.1147% | 2,267 |
| Net loans and leases to total assets | 55.1805% | 4,423 |
| Net loans and leases to deposits | 68.1976% | 3,981 |
| Net loans and leases to core deposits | 70.7058% | 4,196 |
| Total domestic deposits to total assets | 80.9126% | 5,364 |
| Equity capital to assets | 8.6149% | 5,653 |
| Core capital (leverage) ratio | 5.6308% | 6,785 |
| Tier 1 risk-based capital ratio | 8.6465% | 6,777 |
| Total risk-based capital ratio | 9.8993% | 6,781 |
| Memoranda: |
| Average total assets | $1,274,696,000 | 516 |
| Average earning assets | $1,167,789,670 | 509 |
| Average equity | $113,001,670 | 633 |
| Average total loans | $733,668,000 | 571 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0475% | 3,927 |
| Cost of funding earning assets | 0.6623% | 2,547 |
| Net interest margin | 3.3851% | 4,174 |
| Noninterest income to average assets | 0.3472% | 4,902 |
| Noninterest expense to average assets | 3.0483% | 2,842 |
| Loan and lease loss provision to assets | 0.2032% | 1,825 |
| Net operating income to assets | 0.1454% | 6,055 |
| Return on assets (ROA) | 0.1503% | 6,134 |
| Pretax return on assets | 0.1900% | 6,099 |
| Return on Equity (ROE) | 1.6721% | 6,041 |
| Retained earnings to average equity (ytd only) | 1.6721% | 5,151 |
| Net charge-offs to loans | 0.6205% | 983 |
| Credit loss provision to net charge-offs | 56.1739% | 2,506 |
| Earnings coverage of net charge-offs (x) | 1.0696% | 3,481 |
| Efficiency ratio | 88.7383% | 1,254 |
| Assets per employee ($millions) | 7.5753% | 596 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8687% | 2,392 |
| Loan loss allowance to noncurrent loans | 46.5099% | 5,310 |
| Noncurrent assets plus other real estate owned to assets | 4.2803% | 886 |
| Noncurrent loans to loans | 4.0178% | 1,123 |
| Net loans and leases to total assets | 56.5616% | 4,001 |
| Net loans and leases to deposits | 70.3170% | 3,425 |
| Net loans and leases to core deposits | 72.9002% | 3,710 |
| Total domestic deposits to total assets | 80.4380% | 5,657 |
| Equity capital to assets | 9.0458% | 5,430 |
| Core capital (leverage) ratio | 5.5478% | 6,840 |
| Tier 1 risk-based capital ratio | 8.5032% | 6,840 |
| Total risk-based capital ratio | 9.7586% | 6,843 |
| Memoranda: |
| Average total assets | $1,271,801,000 | 521 |
| Average earning assets | $1,160,132,000 | 516 |
| Average equity | $114,346,500 | 637 |
| Average total loans | $741,278,000 | 570 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3506% | 4,026 |
| Cost of funding earning assets | 0.7266% | 3,280 |
| Net interest margin | 3.6240% | 3,988 |
| Noninterest income to average assets | 0.0366% | 6,733 |
| Noninterest expense to average assets | 3.2302% | 2,516 |
| Loan and lease loss provision to assets | 0.6028% | 911 |
| Net operating income to assets | -0.3453% | 6,479 |
| Return on assets (ROA) | 0.1707% | 6,010 |
| Pretax return on assets | 0.2407% | 5,925 |
| Return on Equity (ROE) | 1.9836% | 5,906 |
| Retained earnings to average equity (ytd only) | 1.9836% | 4,827 |
| Net charge-offs to loans | 1.6592% | 505 |
| Credit loss provision to net charge-offs | 57.8598% | 4,502 |
| Earnings coverage of net charge-offs (x) | 0.1120% | 5,435 |
| Efficiency ratio | 96.5148% | 688 |
| Assets per employee ($millions) | 7.6103% | 594 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8755% | 2,367 |
| Loan loss allowance to noncurrent loans | 51.3277% | 5,064 |
| Noncurrent assets plus other real estate owned to assets | 4.3161% | 969 |
| Noncurrent loans to loans | 3.6540% | 1,342 |
| Net loans and leases to total assets | 57.8207% | 4,009 |
| Net loans and leases to deposits | 70.1595% | 3,689 |
| Net loans and leases to core deposits | 72.7030% | 3,950 |
| Total domestic deposits to total assets | 82.4132% | 4,961 |
| Equity capital to assets | 8.9366% | 5,596 |
| Core capital (leverage) ratio | 5.4867% | 6,894 |
| Tier 1 risk-based capital ratio | 8.2396% | 6,903 |
| Total risk-based capital ratio | 9.4955% | 6,904 |
| Memoranda: |
| Average total assets | $1,315,967,000 | 507 |
| Average earning assets | $1,202,016,000 | 498 |
| Average equity | $113,276,800 | 634 |
| Average total loans | $826,225,000 | 494 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4234% | 3,952 |
| Cost of funding earning assets | 0.7434% | 3,401 |
| Net interest margin | 3.6801% | 3,877 |
| Noninterest income to average assets | 0.1055% | 6,600 |
| Noninterest expense to average assets | 3.3509% | 2,128 |
| Loan and lease loss provision to assets | 0.6181% | 866 |
| Net operating income to assets | -0.3433% | 6,609 |
| Return on assets (ROA) | 0.2697% | 5,915 |
| Pretax return on assets | 0.4515% | 5,593 |
| Return on Equity (ROE) | 3.1625% | 5,620 |
| Retained earnings to average equity (ytd only) | 3.1625% | 4,649 |
| Net charge-offs to loans | 1.5690% | 540 |
| Credit loss provision to net charge-offs | 61.8295% | 4,109 |
| Earnings coverage of net charge-offs (x) | 0.1118% | 5,286 |
| Efficiency ratio | 96.7722% | 646 |
| Assets per employee ($millions) | 7.4452% | 613 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0246% | 2,099 |
| Loan loss allowance to noncurrent loans | 37.0088% | 5,799 |
| Noncurrent assets plus other real estate owned to assets | 5.9316% | 679 |
| Noncurrent loans to loans | 5.4705% | 786 |
| Net loans and leases to total assets | 61.9759% | 3,381 |
| Net loans and leases to deposits | 75.5434% | 3,052 |
| Net loans and leases to core deposits | 78.3953% | 3,408 |
| Total domestic deposits to total assets | 82.0401% | 5,007 |
| Equity capital to assets | 9.1255% | 5,678 |
| Core capital (leverage) ratio | 5.4604% | 6,982 |
| Tier 1 risk-based capital ratio | 7.9466% | 6,997 |
| Total risk-based capital ratio | 9.2048% | 6,999 |
| Memoranda: |
| Average total assets | $1,325,326,750 | 504 |
| Average earning assets | $1,209,047,250 | 499 |
| Average equity | $113,031,750 | 636 |
| Average total loans | $844,435,250 | 488 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4298% | 4,064 |
| Cost of funding earning assets | 0.7585% | 3,534 |
| Net interest margin | 3.6713% | 3,955 |
| Noninterest income to average assets | 0.0577% | 6,830 |
| Noninterest expense to average assets | 3.3036% | 2,290 |
| Loan and lease loss provision to assets | 0.7238% | 732 |
| Net operating income to assets | -0.4205% | 6,697 |
| Return on assets (ROA) | 0.3277% | 5,721 |
| Pretax return on assets | 0.5495% | 5,313 |
| Return on Equity (ROE) | 3.9276% | 5,300 |
| Retained earnings to average equity (ytd only) | 3.9276% | 4,003 |
| Net charge-offs to loans | 2.0523% | 394 |
| Credit loss provision to net charge-offs | 55.2259% | 3,927 |
| Earnings coverage of net charge-offs (x) | 0.0796% | 5,041 |
| Efficiency ratio | 96.9387% | 659 |
| Assets per employee ($millions) | 7.8239% | 509 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9219% | 2,473 |
| Loan loss allowance to noncurrent loans | 31.3308% | 6,090 |
| Noncurrent assets plus other real estate owned to assets | 6.7931% | 591 |
| Noncurrent loans to loans | 6.1343% | 705 |
| Net loans and leases to total assets | 63.4466% | 3,156 |
| Net loans and leases to deposits | 77.9006% | 2,686 |
| Net loans and leases to core deposits | 88.7196% | 2,125 |
| Total domestic deposits to total assets | 81.4456% | 5,316 |
| Equity capital to assets | 8.7780% | 5,941 |
| Core capital (leverage) ratio | 5.1144% | 7,062 |
| Tier 1 risk-based capital ratio | 7.5176% | 7,063 |
| Total risk-based capital ratio | 8.7743% | 7,065 |
| Memoranda: |
| Average total assets | $1,347,688,330 | 502 |
| Average earning assets | $1,229,800,330 | 493 |
| Average equity | $112,435,330 | 636 |
| Average total loans | $860,606,670 | 479 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4293% | 4,202 |
| Cost of funding earning assets | 0.7674% | 3,719 |
| Net interest margin | 3.6619% | 3,996 |
| Noninterest income to average assets | 0.0264% | 7,031 |
| Noninterest expense to average assets | 3.0024% | 3,239 |
| Loan and lease loss provision to assets | 0.5481% | 1,076 |
| Net operating income to assets | -0.1585% | 6,589 |
| Return on assets (ROA) | 0.4461% | 5,246 |
| Pretax return on assets | 0.7652% | 4,547 |
| Return on Equity (ROE) | 5.4799% | 4,557 |
| Retained earnings to average equity (ytd only) | 5.4799% | 3,271 |
| Net charge-offs to loans | 1.3513% | 747 |
| Credit loss provision to net charge-offs | 63.9067% | 3,040 |
| Earnings coverage of net charge-offs (x) | 0.4299% | 4,140 |
| Efficiency ratio | 89.0628% | 1,168 |
| Assets per employee ($millions) | 7.9440% | 497 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1774% | 1,927 |
| Loan loss allowance to noncurrent loans | 31.3999% | 6,101 |
| Noncurrent assets plus other real estate owned to assets | 7.3662% | 557 |
| Noncurrent loans to loans | 6.9345% | 655 |
| Net loans and leases to total assets | 61.5847% | 3,340 |
| Net loans and leases to deposits | 73.5460% | 3,189 |
| Net loans and leases to core deposits | 88.2301% | 2,024 |
| Total domestic deposits to total assets | 83.7363% | 4,618 |
| Equity capital to assets | 8.2545% | 6,309 |
| Core capital (leverage) ratio | 4.8154% | 7,132 |
| Tier 1 risk-based capital ratio | 7.1278% | 7,123 |
| Total risk-based capital ratio | 8.3878% | 7,127 |
| Memoranda: |
| Average total assets | $1,379,972,500 | 483 |
| Average earning assets | $1,260,437,000 | 483 |
| Average equity | $112,337,000 | 637 |
| Average total loans | $875,885,500 | 467 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7281% | 4,131 |
| Cost of funding earning assets | 1.0338% | 3,131 |
| Net interest margin | 3.6943% | 4,324 |
| Noninterest income to average assets | -0.1602% | 7,142 |
| Noninterest expense to average assets | 3.4224% | 2,184 |
| Loan and lease loss provision to assets | 1.6528% | 419 |
| Net operating income to assets | -1.1584% | 6,805 |
| Return on assets (ROA) | -1.1083% | 6,815 |
| Pretax return on assets | -1.7840% | 6,972 |
| Return on Equity (ROE) | -13.5325% | 6,851 |
| Retained earnings to average equity (ytd only) | -13.5325% | 6,826 |
| Net charge-offs to loans | 5.0079% | 83 |
| Credit loss provision to net charge-offs | 48.7909% | 5,448 |
| Earnings coverage of net charge-offs (x) | -0.0618% | 5,871 |
| Efficiency ratio | 106.5213% | 507 |
| Assets per employee ($millions) | 7.3314% | 622 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2454% | 1,716 |
| Loan loss allowance to noncurrent loans | 33.2804% | 5,982 |
| Noncurrent assets plus other real estate owned to assets | 6.9781% | 655 |
| Noncurrent loans to loans | 6.7469% | 674 |
| Net loans and leases to total assets | 62.5460% | 3,499 |
| Net loans and leases to deposits | 74.5748% | 3,406 |
| Net loans and leases to core deposits | 90.9911% | 1,988 |
| Total domestic deposits to total assets | 83.8703% | 4,371 |
| Equity capital to assets | 8.0275% | 6,556 |
| Core capital (leverage) ratio | 4.5584% | 7,176 |
| Tier 1 risk-based capital ratio | 6.7486% | 7,172 |
| Total risk-based capital ratio | 8.0097% | 7,175 |
| Memoranda: |
| Average total assets | $1,427,054,200 | 469 |
| Average earning assets | $1,302,976,400 | 459 |
| Average equity | $116,874,600 | 589 |
| Average total loans | $965,343,200 | 434 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7793% | 4,106 |
| Cost of funding earning assets | 1.0578% | 3,268 |
| Net interest margin | 3.7215% | 4,243 |
| Noninterest income to average assets | -0.0694% | 7,190 |
| Noninterest expense to average assets | 3.3006% | 2,488 |
| Loan and lease loss provision to assets | 0.8870% | 1,022 |
| Net operating income to assets | -0.5573% | 6,667 |
| Return on assets (ROA) | -0.4974% | 6,683 |
| Pretax return on assets | -0.7681% | 6,770 |
| Return on Equity (ROE) | -6.0440% | 6,720 |
| Retained earnings to average equity (ytd only) | -6.0440% | 6,646 |
| Net charge-offs to loans | 3.9958% | 166 |
| Credit loss provision to net charge-offs | 32.3939% | 5,378 |
| Earnings coverage of net charge-offs (x) | 0.0098% | 5,596 |
| Efficiency ratio | 99.1971% | 685 |
| Assets per employee ($millions) | 7.5522% | 564 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.6776% | 1,154 |
| Loan loss allowance to noncurrent loans | 37.2945% | 5,794 |
| Noncurrent assets plus other real estate owned to assets | 7.7038% | 600 |
| Noncurrent loans to loans | 7.1795% | 678 |
| Net loans and leases to total assets | 63.5838% | 3,398 |
| Net loans and leases to deposits | 76.1196% | 3,311 |
| Net loans and leases to core deposits | 80.5692% | 3,555 |
| Total domestic deposits to total assets | 83.5314% | 4,466 |
| Equity capital to assets | 8.4846% | 6,311 |
| Core capital (leverage) ratio | 5.6425% | 7,169 |
| Tier 1 risk-based capital ratio | 8.1770% | 7,179 |
| Total risk-based capital ratio | 9.4430% | 7,182 |
| Memoranda: |
| Average total assets | $1,437,407,750 | 468 |
| Average earning assets | $1,311,948,250 | 462 |
| Average equity | $118,285,250 | 591 |
| Average total loans | $985,036,500 | 430 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8509% | 3,862 |
| Cost of funding earning assets | 1.0859% | 3,345 |
| Net interest margin | 3.7650% | 3,964 |
| Noninterest income to average assets | -0.0707% | 7,273 |
| Noninterest expense to average assets | 3.5484% | 1,860 |
| Loan and lease loss provision to assets | 0.3085% | 2,946 |
| Net operating income to assets | -0.3315% | 6,571 |
| Return on assets (ROA) | -0.2911% | 6,578 |
| Pretax return on assets | -0.4337% | 6,612 |
| Return on Equity (ROE) | -3.5730% | 6,629 |
| Retained earnings to average equity (ytd only) | -3.5730% | 6,429 |
| Net charge-offs to loans | 4.7688% | 145 |
| Credit loss provision to net charge-offs | 9.2983% | 5,254 |
| Earnings coverage of net charge-offs (x) | -0.0559% | 5,316 |
| Efficiency ratio | 105.5162% | 569 |
| Assets per employee ($millions) | 7.6516% | 534 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3972% | 1,596 |
| Loan loss allowance to noncurrent loans | 42.0336% | 5,519 |
| Noncurrent assets plus other real estate owned to assets | 7.0327% | 722 |
| Noncurrent loans to loans | 5.7031% | 1,083 |
| Net loans and leases to total assets | 65.1908% | 3,209 |
| Net loans and leases to deposits | 78.1951% | 3,094 |
| Net loans and leases to core deposits | 83.3279% | 3,318 |
| Total domestic deposits to total assets | 83.3693% | 4,602 |
| Equity capital to assets | 8.4425% | 6,246 |
| Core capital (leverage) ratio | 5.7475% | 7,232 |
| Tier 1 risk-based capital ratio | 8.2252% | 7,233 |
| Total risk-based capital ratio | 9.4882% | 7,235 |
| Memoranda: |
| Average total assets | $1,445,792,000 | 475 |
| Average earning assets | $1,318,525,330 | 469 |
| Average equity | $117,772,330 | 593 |
| Average total loans | $1,005,825,330 | 431 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8318% | 3,903 |
| Cost of funding earning assets | 1.1160% | 3,410 |
| Net interest margin | 3.7158% | 4,019 |
| Noninterest income to average assets | -0.0361% | 7,342 |
| Noninterest expense to average assets | 3.2941% | 2,576 |
| Loan and lease loss provision to assets | 0.4762% | 1,847 |
| Net operating income to assets | -0.3041% | 6,667 |
| Return on assets (ROA) | -0.3006% | 6,675 |
| Pretax return on assets | -0.4159% | 6,696 |
| Return on Equity (ROE) | -3.7571% | 6,722 |
| Retained earnings to average equity (ytd only) | -3.7571% | 6,387 |
| Net charge-offs to loans | 6.8003% | 84 |
| Credit loss provision to net charge-offs | 9.8710% | 4,382 |
| Earnings coverage of net charge-offs (x) | 0.0115% | 4,569 |
| Efficiency ratio | 98.3483% | 817 |
| Assets per employee ($millions) | 7.9361% | 480 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.9083% | 997 |
| Loan loss allowance to noncurrent loans | 59.8491% | 4,431 |
| Noncurrent assets plus other real estate owned to assets | 6.5068% | 856 |
| Noncurrent loans to loans | 4.8594% | 1,395 |
| Net loans and leases to total assets | 65.9970% | 3,011 |
| Net loans and leases to deposits | 78.4580% | 2,986 |
| Net loans and leases to core deposits | 85.5272% | 2,949 |
| Total domestic deposits to total assets | 84.1176% | 4,444 |
| Equity capital to assets | 7.9390% | 6,555 |
| Core capital (leverage) ratio | 5.5032% | 7,313 |
| Tier 1 risk-based capital ratio | 7.6098% | 7,320 |
| Total risk-based capital ratio | 8.8789% | 7,323 |
| Memoranda: |
| Average total assets | $1,453,263,000 | 473 |
| Average earning assets | $1,324,067,500 | 470 |
| Average equity | $116,259,000 | 593 |
| Average total loans | $1,030,892,000 | 424 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9947% | 4,586 |
| Cost of funding earning assets | 1.4178% | 3,150 |
| Net interest margin | 3.5769% | 4,926 |
| Noninterest income to average assets | -0.3733% | 7,533 |
| Noninterest expense to average assets | 3.4105% | 2,412 |
| Loan and lease loss provision to assets | 3.1490% | 287 |
| Net operating income to assets | -2.2548% | 7,129 |
| Return on assets (ROA) | -2.1269% | 7,103 |
| Pretax return on assets | -3.4329% | 7,356 |
| Return on Equity (ROE) | -23.6674% | 7,104 |
| Retained earnings to average equity (ytd only) | -23.6674% | 7,083 |
| Net charge-offs to loans | 2.5589% | 730 |
| Credit loss provision to net charge-offs | 162.4649% | 2,137 |
| Earnings coverage of net charge-offs (x) | -0.2496% | 6,319 |
| Efficiency ratio | 116.5275% | 442 |
| Assets per employee ($millions) | 7.8178% | 513 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.1772% | 344 |
| Loan loss allowance to noncurrent loans | 147.7537% | 2,013 |
| Noncurrent assets plus other real estate owned to assets | 5.4701% | 1,132 |
| Noncurrent loans to loans | 2.8271% | 2,694 |
| Net loans and leases to total assets | 70.8393% | 2,346 |
| Net loans and leases to deposits | 84.9301% | 2,293 |
| Net loans and leases to core deposits | 105.3052% | 1,237 |
| Total domestic deposits to total assets | 83.4089% | 4,646 |
| Equity capital to assets | 8.0613% | 6,432 |
| Core capital (leverage) ratio | 5.3194% | 7,381 |
| Tier 1 risk-based capital ratio | 7.2657% | 7,402 |
| Total risk-based capital ratio | 8.5501% | 7,405 |
| Memoranda: |
| Average total assets | $1,542,595,800 | 445 |
| Average earning assets | $1,423,255,000 | 431 |
| Average equity | $138,625,000 | 496 |
| Average total loans | $1,168,493,600 | 386 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9492% | 5,043 |
| Cost of funding earning assets | 1.4489% | 3,281 |
| Net interest margin | 3.5003% | 5,288 |
| Noninterest income to average assets | -0.1795% | 7,585 |
| Noninterest expense to average assets | 2.9708% | 3,854 |
| Loan and lease loss provision to assets | 1.7424% | 716 |
| Net operating income to assets | -1.0319% | 6,924 |
| Return on assets (ROA) | -0.8672% | 6,866 |
| Pretax return on assets | -1.3951% | 7,010 |
| Return on Equity (ROE) | -9.4262% | 6,899 |
| Retained earnings to average equity (ytd only) | -9.4262% | 6,844 |
| Net charge-offs to loans | 2.1591% | 850 |
| Credit loss provision to net charge-offs | 105.9511% | 4,033 |
| Earnings coverage of net charge-offs (x) | 0.0548% | 5,973 |
| Efficiency ratio | 97.0583% | 870 |
| Assets per employee ($millions) | 8.3051% | 450 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4294% | 1,433 |
| Loan loss allowance to noncurrent loans | 56.7094% | 4,522 |
| Noncurrent assets plus other real estate owned to assets | 6.8459% | 801 |
| Noncurrent loans to loans | 4.2840% | 1,699 |
| Net loans and leases to total assets | 71.7084% | 2,315 |
| Net loans and leases to deposits | 86.1991% | 2,292 |
| Net loans and leases to core deposits | 109.6425% | 1,057 |
| Total domestic deposits to total assets | 83.1893% | 4,514 |
| Equity capital to assets | 9.1964% | 5,315 |
| Core capital (leverage) ratio | 7.5709% | 6,794 |
| Tier 1 risk-based capital ratio | 9.8540% | 7,134 |
| Total risk-based capital ratio | 11.1173% | 7,125 |
| Memoranda: |
| Average total assets | $1,566,672,500 | 433 |
| Average earning assets | $1,450,295,500 | 419 |
| Average equity | $144,133,750 | 469 |
| Average total loans | $1,193,316,000 | 379 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9227% | 5,298 |
| Cost of funding earning assets | 1.4995% | 3,261 |
| Net interest margin | 3.4233% | 5,545 |
| Noninterest income to average assets | -0.1706% | 7,670 |
| Noninterest expense to average assets | 3.0207% | 3,632 |
| Loan and lease loss provision to assets | 1.1179% | 1,281 |
| Net operating income to assets | -0.7143% | 6,814 |
| Return on assets (ROA) | -0.4985% | 6,690 |
| Pretax return on assets | -0.7885% | 6,780 |
| Return on Equity (ROE) | -5.4180% | 6,729 |
| Retained earnings to average equity (ytd only) | -5.4180% | 6,598 |
| Net charge-offs to loans | 1.1364% | 1,669 |
| Credit loss provision to net charge-offs | 127.7112% | 3,149 |
| Earnings coverage of net charge-offs (x) | -0.0090% | 5,726 |
| Efficiency ratio | 100.2601% | 792 |
| Assets per employee ($millions) | 7.6255% | 589 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4093% | 1,425 |
| Loan loss allowance to noncurrent loans | 39.9459% | 5,684 |
| Noncurrent assets plus other real estate owned to assets | 7.7227% | 655 |
| Noncurrent loans to loans | 6.0314% | 1,058 |
| Net loans and leases to total assets | 73.7457% | 1,969 |
| Net loans and leases to deposits | 88.8083% | 2,036 |
| Net loans and leases to core deposits | 114.0528% | 921 |
| Total domestic deposits to total assets | 83.0391% | 4,557 |
| Equity capital to assets | 9.4563% | 4,772 |
| Core capital (leverage) ratio | 8.1348% | 6,059 |
| Tier 1 risk-based capital ratio | 10.5556% | 6,643 |
| Total risk-based capital ratio | 11.8189% | 6,633 |
| Memoranda: |
| Average total assets | $1,582,287,330 | 427 |
| Average earning assets | $1,471,456,000 | 418 |
| Average equity | $145,588,330 | 465 |
| Average total loans | $1,218,761,000 | 370 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9594% | 5,196 |
| Cost of funding earning assets | 1.5457% | 3,297 |
| Net interest margin | 3.4138% | 5,524 |
| Noninterest income to average assets | -0.3470% | 7,835 |
| Noninterest expense to average assets | 3.1307% | 3,135 |
| Loan and lease loss provision to assets | 1.3809% | 866 |
| Net operating income to assets | -1.0580% | 7,144 |
| Return on assets (ROA) | -0.6330% | 6,949 |
| Pretax return on assets | -1.0033% | 7,050 |
| Return on Equity (ROE) | -6.9713% | 6,988 |
| Retained earnings to average equity (ytd only) | -6.9713% | 6,736 |
| Net charge-offs to loans | 0.2123% | 3,650 |
| Credit loss provision to net charge-offs | 836.8024% | 547 |
| Earnings coverage of net charge-offs (x) | -1.7360% | 5,451 |
| Efficiency ratio | 110.0726% | 598 |
| Assets per employee ($millions) | 7.4593% | 662 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4984% | 1,296 |
| Loan loss allowance to noncurrent loans | 40.3458% | 5,667 |
| Noncurrent assets plus other real estate owned to assets | 6.5590% | 867 |
| Noncurrent loans to loans | 6.1925% | 1,047 |
| Net loans and leases to total assets | 76.1844% | 1,503 |
| Net loans and leases to deposits | 91.0166% | 1,759 |
| Net loans and leases to core deposits | 121.0085% | 747 |
| Total domestic deposits to total assets | 83.7038% | 4,298 |
| Equity capital to assets | 9.1708% | 5,029 |
| Core capital (leverage) ratio | 8.0888% | 6,103 |
| Tier 1 risk-based capital ratio | 10.4281% | 6,697 |
| Total risk-based capital ratio | 11.6931% | 6,684 |
| Memoranda: |
| Average total assets | $1,607,069,500 | 435 |
| Average earning assets | $1,502,266,500 | 424 |
| Average equity | $145,913,000 | 471 |
| Average total loans | $1,249,030,500 | 377 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0392% | 6,309 |
| Cost of funding earning assets | 1.9167% | 3,370 |
| Net interest margin | 3.1225% | 6,301 |
| Noninterest income to average assets | 0.0203% | 7,623 |
| Noninterest expense to average assets | 2.9033% | 4,517 |
| Loan and lease loss provision to assets | 2.4488% | 815 |
| Net operating income to assets | -1.4633% | 6,835 |
| Return on assets (ROA) | -1.4633% | 6,843 |
| Pretax return on assets | -2.3579% | 7,092 |
| Return on Equity (ROE) | -15.5721% | 6,964 |
| Retained earnings to average equity (ytd only) | -15.5721% | 6,914 |
| Net charge-offs to loans | 2.6748% | 842 |
| Credit loss provision to net charge-offs | 110.3469% | 4,987 |
| Earnings coverage of net charge-offs (x) | 0.0410% | 6,142 |
| Efficiency ratio | 96.9647% | 1,271 |
| Assets per employee ($millions) | 7.5943% | 610 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0584% | 1,895 |
| Loan loss allowance to noncurrent loans | 37.1552% | 5,953 |
| Noncurrent assets plus other real estate owned to assets | 6.1483% | 913 |
| Noncurrent loans to loans | 5.5400% | 1,158 |
| Net loans and leases to total assets | 75.7270% | 1,871 |
| Net loans and leases to deposits | 90.3606% | 2,164 |
| Net loans and leases to core deposits | 109.7608% | 2,918 |
| Total domestic deposits to total assets | 83.8053% | 4,124 |
| Equity capital to assets | 8.9910% | 5,165 |
| Core capital (leverage) ratio | 8.2907% | 5,639 |
| Tier 1 risk-based capital ratio | 10.3488% | 6,540 |
| Total risk-based capital ratio | 11.6078% | 6,502 |
| Memoranda: |
| Average total assets | $1,619,682,000 | 424 |
| Average earning assets | $1,542,586,400 | 412 |
| Average equity | $152,195,400 | 447 |
| Average total loans | $1,343,748,400 | 367 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9804% | 6,661 |
| Cost of funding earning assets | 1.9705% | 3,511 |
| Net interest margin | 3.0100% | 6,582 |
| Noninterest income to average assets | 0.0030% | 7,823 |
| Noninterest expense to average assets | 2.6633% | 5,475 |
| Loan and lease loss provision to assets | 1.6137% | 1,171 |
| Net operating income to assets | -0.8748% | 6,745 |
| Return on assets (ROA) | -0.8748% | 6,742 |
| Pretax return on assets | -1.3941% | 6,913 |
| Return on Equity (ROE) | -9.2097% | 6,825 |
| Retained earnings to average equity (ytd only) | -9.2097% | 6,721 |
| Net charge-offs to loans | 1.6766% | 1,208 |
| Credit loss provision to net charge-offs | 114.0500% | 4,454 |
| Earnings coverage of net charge-offs (x) | 0.1552% | 5,871 |
| Efficiency ratio | 92.3834% | 1,517 |
| Assets per employee ($millions) | 7.7044% | 580 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8667% | 2,111 |
| Loan loss allowance to noncurrent loans | 30.7417% | 6,404 |
| Noncurrent assets plus other real estate owned to assets | 5.9083% | 925 |
| Noncurrent loans to loans | 6.0724% | 967 |
| Net loans and leases to total assets | 78.3147% | 1,515 |
| Net loans and leases to deposits | 93.8225% | 1,915 |
| Net loans and leases to core deposits | 109.8524% | 3,257 |
| Total domestic deposits to total assets | 83.4711% | 3,978 |
| Equity capital to assets | 9.1541% | 5,250 |
| Core capital (leverage) ratio | 8.3966% | 5,665 |
| Tier 1 risk-based capital ratio | 9.9003% | 7,058 |
| Total risk-based capital ratio | 11.1560% | 7,016 |
| Memoranda: |
| Average total assets | $1,616,410,750 | 438 |
| Average earning assets | $1,546,543,250 | 424 |
| Average equity | $153,543,750 | 454 |
| Average total loans | $1,364,077,750 | 378 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9750% | 6,849 |
| Cost of funding earning assets | 2.0053% | 3,748 |
| Net interest margin | 2.9697% | 6,635 |
| Noninterest income to average assets | 0.0442% | 7,762 |
| Noninterest expense to average assets | 2.7612% | 5,125 |
| Loan and lease loss provision to assets | 1.0953% | 1,566 |
| Net operating income to assets | -0.6108% | 6,669 |
| Return on assets (ROA) | -0.6108% | 6,677 |
| Pretax return on assets | -0.9690% | 6,798 |
| Return on Equity (ROE) | -6.3510% | 6,748 |
| Retained earnings to average equity (ytd only) | -6.3510% | 6,497 |
| Net charge-offs to loans | 1.2565% | 1,468 |
| Credit loss provision to net charge-offs | 101.3976% | 4,505 |
| Earnings coverage of net charge-offs (x) | 0.1169% | 5,550 |
| Efficiency ratio | 95.6274% | 1,403 |
| Assets per employee ($millions) | 7.6999% | 563 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6373% | 2,583 |
| Loan loss allowance to noncurrent loans | 25.6323% | 6,800 |
| Noncurrent assets plus other real estate owned to assets | 6.2545% | 757 |
| Noncurrent loans to loans | 6.3876% | 836 |
| Net loans and leases to total assets | 83.1793% | 762 |
| Net loans and leases to deposits | 100.2112% | 1,270 |
| Net loans and leases to core deposits | 118.1301% | 2,538 |
| Total domestic deposits to total assets | 83.0041% | 4,235 |
| Equity capital to assets | 9.5409% | 4,555 |
| Core capital (leverage) ratio | 9.1119% | 4,441 |
| Tier 1 risk-based capital ratio | 10.3201% | 6,568 |
| Total risk-based capital ratio | 11.5732% | 6,508 |
| Memoranda: |
| Average total assets | $1,603,063,000 | 453 |
| Average earning assets | $1,534,838,000 | 433 |
| Average equity | $154,180,670 | 459 |
| Average total loans | $1,378,129,000 | 383 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1265% | 6,572 |
| Cost of funding earning assets | 2.0913% | 3,691 |
| Net interest margin | 3.0352% | 6,392 |
| Noninterest income to average assets | 0.0976% | 7,557 |
| Noninterest expense to average assets | 2.5881% | 5,505 |
| Loan and lease loss provision to assets | 0.6158% | 2,044 |
| Net operating income to assets | -0.1371% | 6,466 |
| Return on assets (ROA) | -0.1371% | 6,568 |
| Pretax return on assets | -0.1880% | 6,563 |
| Return on Equity (ROE) | -1.5522% | 6,615 |
| Retained earnings to average equity (ytd only) | -1.5522% | 6,009 |
| Net charge-offs to loans | 0.0015% | 5,717 |
| Credit loss provision to net charge-offs | 47,175.0000% | 9 |
| Earnings coverage of net charge-offs (x) | 327.7500% | 123 |
| Efficiency ratio | 85.8148% | 2,090 |
| Assets per employee ($millions) | 7.4505% | 636 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6688% | 2,247 |
| Loan loss allowance to noncurrent loans | 37.1511% | 6,075 |
| Noncurrent assets plus other real estate owned to assets | 4.5760% | 1,041 |
| Noncurrent loans to loans | 4.4918% | 1,278 |
| Net loans and leases to total assets | 86.7720% | 358 |
| Net loans and leases to deposits | 112.3277% | 508 |
| Net loans and leases to core deposits | 132.5268% | 1,502 |
| Total domestic deposits to total assets | 77.2490% | 6,215 |
| Equity capital to assets | 9.1419% | 5,164 |
| Core capital (leverage) ratio | 8.9826% | 4,736 |
| Tier 1 risk-based capital ratio | 9.9409% | 6,992 |
| Total risk-based capital ratio | 11.1446% | 6,933 |
| Memoranda: |
| Average total assets | $1,225,773,000 | 578 |
| Average earning assets | $1,178,580,000 | 545 |
| Average equity | $108,235,500 | 616 |
| Average total loans | $1,081,648,500 | 486 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.9918% | 5,581 |
| Cost of funding earning assets | 2.6371% | 3,501 |
| Net interest margin | 3.3547% | 5,850 |
| Noninterest income to average assets | 0.1421% | 7,395 |
| Noninterest expense to average assets | 2.6163% | 5,587 |
| Loan and lease loss provision to assets | 1.3520% | 1,042 |
| Net operating income to assets | -0.3922% | 6,816 |
| Return on assets (ROA) | -0.3922% | 6,696 |
| Pretax return on assets | -0.6159% | 6,753 |
| Return on Equity (ROE) | -4.2071% | 6,776 |
| Retained earnings to average equity (ytd only) | -4.2071% | 6,365 |
| Net charge-offs to loans | 1.0856% | 1,122 |
| Credit loss provision to net charge-offs | 139.7747% | 3,799 |
| Earnings coverage of net charge-offs (x) | 0.7610% | 5,770 |
| Efficiency ratio | 78.0433% | 2,912 |
| Assets per employee ($millions) | 7.2751% | 625 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5040% | 2,665 |
| Loan loss allowance to noncurrent loans | 76.9705% | 4,247 |
| Noncurrent assets plus other real estate owned to assets | 2.2253% | 2,194 |
| Noncurrent loans to loans | 1.9540% | 2,823 |
| Net loans and leases to total assets | 86.9126% | 478 |
| Net loans and leases to deposits | 112.3461% | 689 |
| Net loans and leases to core deposits | 155.1143% | 682 |
| Total domestic deposits to total assets | 77.3614% | 5,903 |
| Equity capital to assets | 8.5162% | 6,059 |
| Core capital (leverage) ratio | 8.5573% | 5,468 |
| Tier 1 risk-based capital ratio | 9.2427% | 7,576 |
| Total risk-based capital ratio | 10.4952% | 7,516 |
| Memoranda: |
| Average total assets | $1,147,045,200 | 581 |
| Average earning assets | $1,097,645,800 | 558 |
| Average equity | $106,938,800 | 632 |
| Average total loans | $1,022,032,600 | 484 |
