| 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 | 5.0973% | 4,539 |
| Cost of funding earning assets | 1.3757% | 4,324 |
| Net interest margin | 3.7217% | 4,140 |
| Noninterest income to average assets | 0.1020% | 7,196 |
| Noninterest expense to average assets | 2.3969% | 6,100 |
| Loan and lease loss provision to assets | 2.4169% | 440 |
| Net operating income to assets | -4.3804% | 7,742 |
| Return on assets (ROA) | -4.3804% | 7,747 |
| Pretax return on assets | -1.3488% | 7,202 |
| Return on Equity (ROE) | -53.5734% | 7,723 |
| Retained earnings to average equity (ytd only) | -53.5734% | 7,713 |
| Net charge-offs to loans | 1.9814% | 866 |
| Credit loss provision to net charge-offs | 151.0711% | 2,361 |
| Earnings coverage of net charge-offs (x) | 0.6676% | 4,430 |
| Efficiency ratio | 69.1743% | 4,477 |
| Assets per employee ($millions) | 6.2277% | 1,125 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.6603% | 1,115 |
| Loan loss allowance to noncurrent loans | 57.3913% | 4,511 |
| Noncurrent assets plus other real estate owned to assets | 4.7256% | 1,401 |
| Noncurrent loans to loans | 4.6354% | 1,602 |
| Net loans and leases to total assets | 77.9614% | 1,158 |
| Net loans and leases to deposits | 95.5156% | 1,168 |
| Net loans and leases to core deposits | 109.7540% | 1,289 |
| Total domestic deposits to total assets | 81.6216% | 5,224 |
| Equity capital to assets | 8.2522% | 6,369 |
| Core capital (leverage) ratio | 8.0717% | 6,130 |
| Tier 1 risk-based capital ratio | 9.7593% | 7,172 |
| Total risk-based capital ratio | 11.0258% | 7,165 |
| Memoranda: |
| Average total assets | $1,540,668,500 | 453 |
| Average earning assets | $1,392,175,000 | 458 |
| Average equity | $125,973,000 | 529 |
| Average total loans | $1,243,967,500 | 381 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0546% | 6,244 |
| Cost of funding earning assets | 1.6906% | 4,567 |
| Net interest margin | 3.3640% | 5,514 |
| Noninterest income to average assets | -0.2542% | 7,884 |
| Noninterest expense to average assets | 2.3083% | 6,728 |
| Loan and lease loss provision to assets | 3.1720% | 524 |
| Net operating income to assets | -1.6746% | 6,949 |
| Return on assets (ROA) | -1.6613% | 6,945 |
| Pretax return on assets | -2.6609% | 7,196 |
| Return on Equity (ROE) | -19.8600% | 7,139 |
| Retained earnings to average equity (ytd only) | -21.7067% | 7,166 |
| Net charge-offs to loans | 2.9997% | 709 |
| Credit loss provision to net charge-offs | 131.9403% | 3,808 |
| Earnings coverage of net charge-offs (x) | 0.2040% | 5,936 |
| Efficiency ratio | 82.4779% | 2,550 |
| Assets per employee ($millions) | 6.1972% | 1,135 |
| Cash dividends to net income (ytd only)* | -9.2987% | 7,603 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3590% | 1,403 |
| Loan loss allowance to noncurrent loans | 46.1767% | 5,312 |
| Noncurrent assets plus other real estate owned to assets | 5.1811% | 1,157 |
| Noncurrent loans to loans | 5.1085% | 1,308 |
| Net loans and leases to total assets | 79.4700% | 1,096 |
| Net loans and leases to deposits | 95.5450% | 1,385 |
| Net loans and leases to core deposits | 123.2808% | 1,694 |
| Total domestic deposits to total assets | 83.1755% | 4,438 |
| Equity capital to assets | 8.1011% | 6,460 |
| Core capital (leverage) ratio | 7.3652% | 6,920 |
| Tier 1 risk-based capital ratio | 9.2125% | 7,371 |
| Total risk-based capital ratio | 10.4749% | 7,360 |
| Memoranda: |
| Average total assets | $1,614,432,200 | 426 |
| Average earning assets | $1,465,126,600 | 427 |
| Average equity | $135,050,400 | 497 |
| Average total loans | $1,293,907,600 | 378 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0112% | 6,572 |
| Cost of funding earning assets | 1.7233% | 4,782 |
| Net interest margin | 3.2879% | 5,694 |
| Noninterest income to average assets | -0.2184% | 7,985 |
| Noninterest expense to average assets | 2.2992% | 6,709 |
| Loan and lease loss provision to assets | 2.5090% | 665 |
| Net operating income to assets | -1.2223% | 6,969 |
| Return on assets (ROA) | -1.2048% | 6,970 |
| Pretax return on assets | -2.0054% | 7,186 |
| Return on Equity (ROE) | -14.2954% | 7,155 |
| Retained earnings to average equity (ytd only) | -16.7127% | 7,219 |
| Net charge-offs to loans | 2.2225% | 866 |
| Credit loss provision to net charge-offs | 141.3725% | 3,473 |
| Earnings coverage of net charge-offs (x) | 0.2683% | 5,744 |
| Efficiency ratio | 82.8413% | 2,454 |
| Assets per employee ($millions) | 6.7702% | 875 |
| Cash dividends to net income (ytd only)* | -16.9096% | 7,826 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0371% | 1,714 |
| Loan loss allowance to noncurrent loans | 50.4561% | 4,955 |
| Noncurrent assets plus other real estate owned to assets | 4.2650% | 1,462 |
| Noncurrent loans to loans | 4.0374% | 1,816 |
| Net loans and leases to total assets | 73.9056% | 2,552 |
| Net loans and leases to deposits | 89.6352% | 2,642 |
| Net loans and leases to core deposits | 113.6205% | 2,869 |
| Total domestic deposits to total assets | 82.4515% | 4,473 |
| Equity capital to assets | 7.6882% | 7,160 |
| Core capital (leverage) ratio | 7.7730% | 6,640 |
| Tier 1 risk-based capital ratio | 9.2736% | 7,502 |
| Total risk-based capital ratio | 10.5318% | 7,491 |
| Memoranda: |
| Average total assets | $1,632,263,750 | 435 |
| Average earning assets | $1,486,264,250 | 433 |
| Average equity | $137,561,000 | 496 |
| Average total loans | $1,303,401,000 | 393 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0578% | 6,590 |
| Cost of funding earning assets | 1.7765% | 4,877 |
| Net interest margin | 3.2813% | 5,619 |
| Noninterest income to average assets | 0.0656% | 7,660 |
| Noninterest expense to average assets | 2.2669% | 6,859 |
| Loan and lease loss provision to assets | 2.3162% | 690 |
| Net operating income to assets | -0.9114% | 6,906 |
| Return on assets (ROA) | -0.9114% | 6,916 |
| Pretax return on assets | -1.5307% | 7,101 |
| Return on Equity (ROE) | -10.4887% | 7,074 |
| Retained earnings to average equity (ytd only) | -12.2741% | 7,070 |
| Net charge-offs to loans | 1.5808% | 1,195 |
| Credit loss provision to net charge-offs | 179.9710% | 2,543 |
| Earnings coverage of net charge-offs (x) | 0.6103% | 5,101 |
| Efficiency ratio | 74.2664% | 3,996 |
| Assets per employee ($millions) | 6.4097% | 1,005 |
| Cash dividends to net income (ytd only)* | -17.0216% | 7,921 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9456% | 1,684 |
| Loan loss allowance to noncurrent loans | 47.7237% | 5,175 |
| Noncurrent assets plus other real estate owned to assets | 4.9354% | 1,090 |
| Noncurrent loans to loans | 4.0768% | 1,646 |
| Net loans and leases to total assets | 79.2612% | 1,468 |
| Net loans and leases to deposits | 93.6884% | 2,141 |
| Net loans and leases to core deposits | 118.2547% | 2,526 |
| Total domestic deposits to total assets | 84.6009% | 3,443 |
| Equity capital to assets | 8.2950% | 6,337 |
| Core capital (leverage) ratio | 8.0181% | 6,297 |
| Tier 1 risk-based capital ratio | 9.4378% | 7,446 |
| Total risk-based capital ratio | 10.6950% | 7,394 |
| Memoranda: |
| Average total assets | $1,607,658,330 | 452 |
| Average earning assets | $1,463,403,330 | 453 |
| Average equity | $139,692,670 | 505 |
| Average total loans | $1,308,832,000 | 403 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9974% | 6,936 |
| Cost of funding earning assets | 1.8307% | 4,972 |
| Net interest margin | 3.1667% | 5,962 |
| Noninterest income to average assets | 0.0025% | 8,036 |
| Noninterest expense to average assets | 2.1546% | 6,996 |
| Loan and lease loss provision to assets | 2.0127% | 599 |
| Net operating income to assets | -0.7507% | 7,099 |
| Return on assets (ROA) | -0.7507% | 7,132 |
| Pretax return on assets | -1.2737% | 7,287 |
| Return on Equity (ROE) | -8.4453% | 7,266 |
| Retained earnings to average equity (ytd only) | -8.4453% | 6,956 |
| Net charge-offs to loans | 1.7960% | 804 |
| Credit loss provision to net charge-offs | 137.1594% | 2,957 |
| Earnings coverage of net charge-offs (x) | 0.5036% | 4,581 |
| Efficiency ratio | 74.4624% | 3,739 |
| Assets per employee ($millions) | 6.1574% | 1,116 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4797% | 3,087 |
| Loan loss allowance to noncurrent loans | 27.2804% | 6,745 |
| Noncurrent assets plus other real estate owned to assets | 5.2437% | 837 |
| Noncurrent loans to loans | 5.4242% | 963 |
| Net loans and leases to total assets | 80.7347% | 1,246 |
| Net loans and leases to deposits | 97.5549% | 1,724 |
| Net loans and leases to core deposits | 123.3160% | 2,135 |
| Total domestic deposits to total assets | 82.7582% | 4,265 |
| Equity capital to assets | 8.7920% | 5,635 |
| Core capital (leverage) ratio | 8.5137% | 5,504 |
| Tier 1 risk-based capital ratio | 9.8468% | 7,088 |
| Total risk-based capital ratio | 11.0987% | 6,990 |
| Memoranda: |
| Average total assets | $1,600,655,500 | 457 |
| Average earning assets | $1,461,319,000 | 456 |
| Average equity | $142,280,500 | 492 |
| Average total loans | $1,307,821,000 | 408 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.8754% | 6,157 |
| Cost of funding earning assets | 2.4604% | 4,421 |
| Net interest margin | 3.4151% | 5,597 |
| Noninterest income to average assets | 0.5749% | 4,052 |
| Noninterest expense to average assets | 2.1917% | 6,988 |
| Loan and lease loss provision to assets | 0.8391% | 1,779 |
| Net operating income to assets | 0.4677% | 4,876 |
| Return on assets (ROA) | 0.4697% | 4,692 |
| Pretax return on assets | 0.6723% | 4,473 |
| Return on Equity (ROE) | 5.4458% | 4,179 |
| Retained earnings to average equity (ytd only) | -3.6791% | 6,261 |
| Net charge-offs to loans | 0.8750% | 1,424 |
| Credit loss provision to net charge-offs | 117.1033% | 4,602 |
| Earnings coverage of net charge-offs (x) | 2.1053% | 5,017 |
| Efficiency ratio | 59.2304% | 6,491 |
| Assets per employee ($millions) | 5.8622% | 1,222 |
| Cash dividends to net income (ytd only)* | 167.5578% | 410 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3217% | 3,644 |
| Loan loss allowance to noncurrent loans | 30.4628% | 6,688 |
| Noncurrent assets plus other real estate owned to assets | 4.1904% | 951 |
| Noncurrent loans to loans | 4.3386% | 1,109 |
| Net loans and leases to total assets | 80.3866% | 1,572 |
| Net loans and leases to deposits | 100.5926% | 1,771 |
| Net loans and leases to core deposits | 126.7731% | 2,101 |
| Total domestic deposits to total assets | 79.9130% | 5,052 |
| Equity capital to assets | 8.9858% | 5,380 |
| Core capital (leverage) ratio | 8.5184% | 5,544 |
| Tier 1 risk-based capital ratio | 10.0834% | 6,640 |
| Total risk-based capital ratio | 11.3336% | 6,521 |
| Memoranda: |
| Average total assets | $1,592,744,600 | 441 |
| Average earning assets | $1,457,630,000 | 435 |
| Average equity | $137,372,000 | 513 |
| Average total loans | $1,304,311,800 | 400 |
