| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3205% | 3,250 |
| Cost of funding earning assets | 2.3940% | 204 |
| Net interest margin | 2.9265% | 6,967 |
| Noninterest income to average assets | 0.2723% | 5,933 |
| Noninterest expense to average assets | 1.8305% | 7,297 |
| Loan and lease loss provision to assets | 0.3583% | 3,745 |
| Net operating income to assets | 0.5536% | 4,080 |
| Return on assets (ROA) | 0.7840% | 3,231 |
| Pretax return on assets | 1.1681% | 2,605 |
| Return on Equity (ROE) | 10.1705% | 2,058 |
| Retained earnings to average equity (ytd only) | 5.8472% | 2,443 |
| Net charge-offs to loans | 0.5531% | 3,098 |
| Credit loss provision to net charge-offs | 95.8538% | 4,520 |
| Earnings coverage of net charge-offs (x) | 3.1636% | 3,558 |
| Efficiency ratio | 60.7544% | 5,829 |
| Assets per employee ($millions) | 7.6505% | 582 |
| Cash dividends to net income (ytd only)* | 42.5079% | 1,973 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3120% | 4,890 |
| Loan loss allowance to noncurrent loans | 164.8032% | 1,726 |
| Noncurrent assets plus other real estate owned to assets | 0.8618% | 5,373 |
| Noncurrent loans to loans | 0.7961% | 5,621 |
| Net loans and leases to total assets | 68.1964% | 3,167 |
| Net loans and leases to deposits | 111.4164% | 232 |
| Net loans and leases to core deposits | 127.2750% | 427 |
| Total domestic deposits to total assets | 61.2086% | 7,575 |
| Equity capital to assets | 8.0212% | 6,788 |
| Core capital (leverage) ratio | 7.4200% | 6,911 |
| Tier 1 risk-based capital ratio | 10.2345% | 6,942 |
| Total risk-based capital ratio | 12.5261% | 6,117 |
| Memoranda: |
| Average total assets | $800,109,500 | 849 |
| Average earning assets | $749,311,000 | 820 |
| Average equity | $61,680,250 | 1,090 |
| Average total loans | $540,708,750 | 836 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3127% | 3,406 |
| Cost of funding earning assets | 2.4400% | 213 |
| Net interest margin | 2.8727% | 7,047 |
| Noninterest income to average assets | 0.2665% | 6,011 |
| Noninterest expense to average assets | 1.7685% | 7,430 |
| Loan and lease loss provision to assets | 0.3471% | 3,645 |
| Net operating income to assets | 0.5668% | 4,012 |
| Return on assets (ROA) | 0.7953% | 3,141 |
| Pretax return on assets | 1.1866% | 2,462 |
| Return on Equity (ROE) | 10.4537% | 1,943 |
| Retained earnings to average equity (ytd only) | 8.0097% | 1,435 |
| Net charge-offs to loans | 0.4069% | 3,356 |
| Credit loss provision to net charge-offs | 127.1571% | 3,162 |
| Earnings coverage of net charge-offs (x) | 4.3688% | 2,973 |
| Efficiency ratio | 59.7254% | 6,092 |
| Assets per employee ($millions) | 7.5897% | 599 |
| Cash dividends to net income (ytd only)* | 23.3791% | 2,780 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3764% | 4,550 |
| Loan loss allowance to noncurrent loans | 123.3603% | 2,262 |
| Noncurrent assets plus other real estate owned to assets | 0.7596% | 5,600 |
| Noncurrent loans to loans | 1.1157% | 5,092 |
| Net loans and leases to total assets | 67.1395% | 3,589 |
| Net loans and leases to deposits | 108.2635% | 318 |
| Net loans and leases to core deposits | 125.0023% | 546 |
| Total domestic deposits to total assets | 62.0149% | 7,627 |
| Equity capital to assets | 7.9252% | 6,831 |
| Core capital (leverage) ratio | 7.2497% | 7,034 |
| Tier 1 risk-based capital ratio | 10.1432% | 6,945 |
| Total risk-based capital ratio | 12.4416% | 6,038 |
| Memoranda: |
| Average total assets | $806,694,000 | 846 |
| Average earning assets | $756,636,000 | 813 |
| Average equity | $61,375,670 | 1,086 |
| Average total loans | $541,195,000 | 844 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3113% | 3,485 |
| Cost of funding earning assets | 2.5527% | 191 |
| Net interest margin | 2.7586% | 7,240 |
| Noninterest income to average assets | 0.2588% | 6,080 |
| Noninterest expense to average assets | 1.7694% | 7,499 |
| Loan and lease loss provision to assets | 0.3450% | 3,309 |
| Net operating income to assets | 0.5265% | 4,256 |
| Return on assets (ROA) | 0.7738% | 3,197 |
| Pretax return on assets | 1.0759% | 2,820 |
| Return on Equity (ROE) | 10.3827% | 1,992 |
| Retained earnings to average equity (ytd only) | 10.3827% | 1,071 |
| Net charge-offs to loans | 0.4373% | 2,738 |
| Credit loss provision to net charge-offs | 118.4433% | 2,949 |
| Earnings coverage of net charge-offs (x) | 3.6988% | 2,821 |
| Efficiency ratio | 62.1537% | 5,804 |
| Assets per employee ($millions) | 8.0657% | 508 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3366% | 4,750 |
| Loan loss allowance to noncurrent loans | 152.6537% | 1,829 |
| Noncurrent assets plus other real estate owned to assets | 0.5910% | 6,036 |
| Noncurrent loans to loans | 0.8756% | 5,563 |
| Net loans and leases to total assets | 66.6003% | 3,727 |
| Net loans and leases to deposits | 106.1665% | 415 |
| Net loans and leases to core deposits | 122.6726% | 684 |
| Total domestic deposits to total assets | 62.7319% | 7,703 |
| Equity capital to assets | 7.6142% | 6,986 |
| Core capital (leverage) ratio | 7.0268% | 7,236 |
| Tier 1 risk-based capital ratio | 9.9109% | 7,089 |
| Total risk-based capital ratio | 12.1996% | 6,182 |
| Memoranda: |
| Average total assets | $811,582,500 | 854 |
| Average earning assets | $761,392,000 | 826 |
| Average equity | $60,485,000 | 1,101 |
| Average total loans | $540,536,000 | 872 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4933% | 4,178 |
| Cost of funding earning assets | 2.8708% | 342 |
| Net interest margin | 2.6225% | 7,310 |
| Noninterest income to average assets | 0.2588% | 6,261 |
| Noninterest expense to average assets | 1.7647% | 7,645 |
| Loan and lease loss provision to assets | 0.2075% | 5,683 |
| Net operating income to assets | 0.4955% | 3,743 |
| Return on assets (ROA) | 0.6462% | 3,208 |
| Pretax return on assets | 0.9884% | 2,629 |
| Return on Equity (ROE) | 7.7814% | 2,465 |
| Retained earnings to average equity (ytd only) | -8.5219% | 6,393 |
| Net charge-offs to loans | 0.0717% | 6,393 |
| Credit loss provision to net charge-offs | 459.3838% | 677 |
| Earnings coverage of net charge-offs (x) | 21.3417% | 1,002 |
| Efficiency ratio | 64.6696% | 5,651 |
| Assets per employee ($millions) | 8.2485% | 455 |
| Cash dividends to net income (ytd only)* | 209.5164% | 179 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3358% | 4,562 |
| Loan loss allowance to noncurrent loans | 119.4070% | 2,366 |
| Noncurrent assets plus other real estate owned to assets | 0.7351% | 5,639 |
| Noncurrent loans to loans | 1.1187% | 5,093 |
| Net loans and leases to total assets | 64.8362% | 4,405 |
| Net loans and leases to deposits | 107.0480% | 500 |
| Net loans and leases to core deposits | 133.7173% | 1,073 |
| Total domestic deposits to total assets | 60.5674% | 7,791 |
| Equity capital to assets | 7.2932% | 7,206 |
| Core capital (leverage) ratio | 6.8535% | 7,340 |
| Tier 1 risk-based capital ratio | 9.5735% | 7,182 |
| Total risk-based capital ratio | 11.8448% | 6,281 |
| Memoranda: |
| Average total assets | $790,288,000 | 868 |
| Average earning assets | $744,325,200 | 836 |
| Average equity | $65,630,600 | 1,007 |
| Average total loans | $497,874,800 | 962 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4922% | 4,453 |
| Cost of funding earning assets | 2.9118% | 440 |
| Net interest margin | 2.5805% | 7,374 |
| Noninterest income to average assets | 0.2611% | 6,364 |
| Noninterest expense to average assets | 1.7339% | 7,724 |
| Loan and lease loss provision to assets | 0.1871% | 5,504 |
| Net operating income to assets | 0.5047% | 3,965 |
| Return on assets (ROA) | 0.6186% | 3,588 |
| Pretax return on assets | 0.9481% | 3,063 |
| Return on Equity (ROE) | 7.2196% | 2,977 |
| Retained earnings to average equity (ytd only) | 7.2196% | 1,426 |
| Net charge-offs to loans | 0.0953% | 5,721 |
| Credit loss provision to net charge-offs | 315.1862% | 1,307 |
| Earnings coverage of net charge-offs (x) | 16.1691% | 1,485 |
| Efficiency ratio | 64.3638% | 5,678 |
| Assets per employee ($millions) | 8.0695% | 500 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2800% | 4,617 |
| Loan loss allowance to noncurrent loans | 187.0349% | 1,570 |
| Noncurrent assets plus other real estate owned to assets | 0.4545% | 6,320 |
| Noncurrent loans to loans | 0.6844% | 5,932 |
| Net loans and leases to total assets | 63.4245% | 4,986 |
| Net loans and leases to deposits | 106.9677% | 610 |
| Net loans and leases to core deposits | 134.0189% | 1,206 |
| Total domestic deposits to total assets | 59.2932% | 7,889 |
| Equity capital to assets | 8.6960% | 5,959 |
| Core capital (leverage) ratio | 8.1725% | 6,065 |
| Tier 1 risk-based capital ratio | 11.5399% | 5,394 |
| Total risk-based capital ratio | 12.7230% | 5,398 |
| Memoranda: |
| Average total assets | $783,710,500 | 880 |
| Average earning assets | $738,867,000 | 857 |
| Average equity | $67,149,250 | 998 |
| Average total loans | $488,188,750 | 1,004 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5128% | 4,555 |
| Cost of funding earning assets | 2.9782% | 503 |
| Net interest margin | 2.5346% | 7,439 |
| Noninterest income to average assets | 0.2642% | 6,381 |
| Noninterest expense to average assets | 1.7988% | 7,743 |
| Loan and lease loss provision to assets | 0.1804% | 5,243 |
| Net operating income to assets | 0.4503% | 4,285 |
| Return on assets (ROA) | 0.5294% | 4,097 |
| Pretax return on assets | 0.7913% | 3,697 |
| Return on Equity (ROE) | 6.2109% | 3,553 |
| Retained earnings to average equity (ytd only) | 6.2109% | 1,923 |
| Net charge-offs to loans | 0.0778% | 5,424 |
| Credit loss provision to net charge-offs | 376.3441% | 1,234 |
| Earnings coverage of net charge-offs (x) | 17.8065% | 1,451 |
| Efficiency ratio | 67.8165% | 5,189 |
| Assets per employee ($millions) | 7.8811% | 518 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2753% | 4,423 |
| Loan loss allowance to noncurrent loans | 154.6026% | 1,910 |
| Noncurrent assets plus other real estate owned to assets | 0.5404% | 6,079 |
| Noncurrent loans to loans | 0.8249% | 5,578 |
| Net loans and leases to total assets | 62.8524% | 5,206 |
| Net loans and leases to deposits | 108.6919% | 618 |
| Net loans and leases to core deposits | 140.7364% | 980 |
| Total domestic deposits to total assets | 57.8262% | 7,985 |
| Equity capital to assets | 8.5594% | 5,959 |
| Core capital (leverage) ratio | 8.1415% | 6,094 |
| Tier 1 risk-based capital ratio | 11.5536% | 5,331 |
| Total risk-based capital ratio | 12.7260% | 5,327 |
| Memoranda: |
| Average total assets | $775,963,000 | 905 |
| Average earning assets | $731,175,000 | 877 |
| Average equity | $66,141,330 | 1,018 |
| Average total loans | $478,104,330 | 1,049 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5403% | 4,693 |
| Cost of funding earning assets | 3.0330% | 560 |
| Net interest margin | 2.5073% | 7,491 |
| Noninterest income to average assets | 0.2572% | 6,392 |
| Noninterest expense to average assets | 1.8569% | 7,627 |
| Loan and lease loss provision to assets | 0.1247% | 5,363 |
| Net operating income to assets | 0.4281% | 4,752 |
| Return on assets (ROA) | 0.5071% | 4,574 |
| Pretax return on assets | 0.7575% | 4,225 |
| Return on Equity (ROE) | 5.9619% | 4,052 |
| Retained earnings to average equity (ytd only) | 5.9619% | 2,644 |
| Net charge-offs to loans | 0.0309% | 5,087 |
| Credit loss provision to net charge-offs | 666.6667% | 867 |
| Earnings coverage of net charge-offs (x) | 40.8611% | 834 |
| Efficiency ratio | 70.8424% | 4,400 |
| Assets per employee ($millions) | 7.8634% | 529 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2687% | 4,288 |
| Loan loss allowance to noncurrent loans | 236.3742% | 1,423 |
| Noncurrent assets plus other real estate owned to assets | 0.3463% | 6,480 |
| Noncurrent loans to loans | 0.5367% | 6,078 |
| Net loans and leases to total assets | 60.8701% | 5,514 |
| Net loans and leases to deposits | 107.3931% | 765 |
| Net loans and leases to core deposits | 139.7973% | 1,110 |
| Total domestic deposits to total assets | 56.6798% | 8,035 |
| Equity capital to assets | 8.5324% | 6,025 |
| Core capital (leverage) ratio | 8.0010% | 6,441 |
| Tier 1 risk-based capital ratio | 11.5867% | 5,324 |
| Total risk-based capital ratio | 12.7345% | 5,324 |
| Memoranda: |
| Average total assets | $769,888,500 | 909 |
| Average earning assets | $725,880,000 | 880 |
| Average equity | $65,483,000 | 1,038 |
| Average total loans | $466,283,500 | 1,077 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.8840% | 6,118 |
| Cost of funding earning assets | 3.3174% | 874 |
| Net interest margin | 2.5666% | 7,678 |
| Noninterest income to average assets | 0.2900% | 6,390 |
| Noninterest expense to average assets | 1.6629% | 7,901 |
| Loan and lease loss provision to assets | 0.1835% | 5,061 |
| Net operating income to assets | 0.5549% | 4,506 |
| Return on assets (ROA) | -0.3688% | 6,667 |
| Pretax return on assets | -0.5825% | 6,721 |
| Return on Equity (ROE) | -4.3767% | 6,792 |
| Retained earnings to average equity (ytd only) | -9.1229% | 6,984 |
| Net charge-offs to loans | 0.0517% | 6,052 |
| Credit loss provision to net charge-offs | 611.9048% | 698 |
| Earnings coverage of net charge-offs (x) | 34.8190% | 1,043 |
| Efficiency ratio | 61.4224% | 6,069 |
| Assets per employee ($millions) | 8.0990% | 457 |
| Cash dividends to net income (ytd only)* | -108.4431% | 8,147 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3002% | 3,780 |
| Loan loss allowance to noncurrent loans | 225.8250% | 1,737 |
| Noncurrent assets plus other real estate owned to assets | 0.3581% | 6,163 |
| Noncurrent loans to loans | 0.5758% | 5,643 |
| Net loans and leases to total assets | 58.6803% | 6,108 |
| Net loans and leases to deposits | 107.1230% | 1,031 |
| Net loans and leases to core deposits | 135.7951% | 1,497 |
| Total domestic deposits to total assets | 54.7784% | 8,076 |
| Equity capital to assets | 8.4781% | 6,122 |
| Core capital (leverage) ratio | 8.1793% | 6,204 |
| Tier 1 risk-based capital ratio | 11.8280% | 4,962 |
| Total risk-based capital ratio | 12.9711% | 4,944 |
| Memoranda: |
| Average total assets | $700,105,800 | 958 |
| Average earning assets | $659,399,400 | 922 |
| Average equity | $58,994,400 | 1,138 |
| Average total loans | $405,992,000 | 1,192 |
