| 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 | 4.4425% | 6,536 |
| Cost of funding earning assets | 1.2360% | 4,320 |
| Net interest margin | 3.2066% | 6,254 |
| Noninterest income to average assets | 0.5332% | 3,933 |
| Noninterest expense to average assets | 1.7571% | 7,300 |
| Loan and lease loss provision to assets | 0.2336% | 4,945 |
| Net operating income to assets | 1.4628% | 834 |
| Return on assets (ROA) | 1.4628% | 891 |
| Pretax return on assets | 1.5376% | 1,281 |
| Return on Equity (ROE) | 18.0780% | 375 |
| Retained earnings to average equity (ytd only) | 5.4920% | 2,118 |
| Net charge-offs to loans | 0.3088% | 4,475 |
| Credit loss provision to net charge-offs | 129.0323% | 3,090 |
| Earnings coverage of net charge-offs (x) | 9.7839% | 1,782 |
| Efficiency ratio | 49.8014% | 7,137 |
| Assets per employee ($millions) | 5.5330% | 1,548 |
| Cash dividends to net income (ytd only)* | 69.6208% | 1,233 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2042% | 5,493 |
| Loan loss allowance to noncurrent loans | 201.4975% | 1,492 |
| Noncurrent assets plus other real estate owned to assets | 0.3504% | 6,381 |
| Noncurrent loans to loans | 0.5976% | 5,848 |
| Net loans and leases to total assets | 57.9258% | 5,036 |
| Net loans and leases to deposits | 70.3201% | 4,777 |
| Net loans and leases to core deposits | 81.6864% | 3,951 |
| Total domestic deposits to total assets | 82.3744% | 5,072 |
| Equity capital to assets | 8.1365% | 6,337 |
| Core capital (leverage) ratio | 7.9347% | 6,281 |
| Tier 1 risk-based capital ratio | 12.0193% | 5,453 |
| Total risk-based capital ratio | 13.0598% | 5,637 |
| Memoranda: |
| Average total assets | $171,246,200 | 3,514 |
| Average earning assets | $159,953,200 | 3,454 |
| Average equity | $13,856,600 | 4,173 |
| Average total loans | $100,377,400 | 3,781 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4570% | 6,706 |
| Cost of funding earning assets | 1.2810% | 4,365 |
| Net interest margin | 3.1761% | 6,419 |
| Noninterest income to average assets | 0.5297% | 3,944 |
| Noninterest expense to average assets | 1.7923% | 7,335 |
| Loan and lease loss provision to assets | 0.1480% | 5,559 |
| Net operating income to assets | 1.4752% | 963 |
| Return on assets (ROA) | 1.4752% | 1,041 |
| Pretax return on assets | 1.5500% | 1,475 |
| Return on Equity (ROE) | 18.2571% | 462 |
| Retained earnings to average equity (ytd only) | 5.3017% | 2,772 |
| Net charge-offs to loans | -0.0306% | 7,407 |
| Credit loss provision to net charge-offs | -826.0870% | 7,064 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.3501% | 7,044 |
| Assets per employee ($millions) | 5.5261% | 1,603 |
| Cash dividends to net income (ytd only)* | 70.9611% | 879 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3352% | 4,773 |
| Loan loss allowance to noncurrent loans | 164.4883% | 1,729 |
| Noncurrent assets plus other real estate owned to assets | 0.4734% | 6,240 |
| Noncurrent loans to loans | 0.8117% | 5,595 |
| Net loans and leases to total assets | 57.5425% | 5,331 |
| Net loans and leases to deposits | 69.0923% | 5,261 |
| Net loans and leases to core deposits | 80.3554% | 4,471 |
| Total domestic deposits to total assets | 83.2835% | 4,464 |
| Equity capital to assets | 8.4198% | 6,369 |
| Core capital (leverage) ratio | 8.1181% | 6,170 |
| Tier 1 risk-based capital ratio | 12.2895% | 5,193 |
| Total risk-based capital ratio | 13.4794% | 5,210 |
| Memoranda: |
| Average total assets | $171,177,000 | 3,552 |
| Average earning assets | $159,563,500 | 3,505 |
| Average equity | $13,831,750 | 4,243 |
| Average total loans | $100,330,000 | 3,852 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4920% | 6,730 |
| Cost of funding earning assets | 1.3223% | 4,396 |
| Net interest margin | 3.1696% | 6,406 |
| Noninterest income to average assets | 0.4944% | 4,165 |
| Noninterest expense to average assets | 1.8535% | 7,327 |
| Loan and lease loss provision to assets | 0.1402% | 5,494 |
| Net operating income to assets | 1.3802% | 1,126 |
| Return on assets (ROA) | 1.3802% | 1,195 |
| Pretax return on assets | 1.4503% | 1,694 |
| Return on Equity (ROE) | 17.3239% | 538 |
| Retained earnings to average equity (ytd only) | 2.5377% | 4,538 |
| Net charge-offs to loans | -0.0020% | 7,071 |
| Credit loss provision to net charge-offs | -12,000.0000% | 7,065 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.8174% | 6,903 |
| Assets per employee ($millions) | 5.8370% | 1,349 |
| Cash dividends to net income (ytd only)* | 85.3514% | 655 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2426% | 5,225 |
| Loan loss allowance to noncurrent loans | 1,910.7692% | 205 |
| Noncurrent assets plus other real estate owned to assets | 0.0384% | 7,304 |
| Noncurrent loans to loans | 0.0650% | 7,151 |
| Net loans and leases to total assets | 58.3114% | 5,366 |
| Net loans and leases to deposits | 69.7964% | 5,313 |
| Net loans and leases to core deposits | 84.1039% | 4,129 |
| Total domestic deposits to total assets | 83.5450% | 4,316 |
| Equity capital to assets | 8.1850% | 6,559 |
| Core capital (leverage) ratio | 7.7940% | 6,506 |
| Tier 1 risk-based capital ratio | 11.8561% | 5,440 |
| Total risk-based capital ratio | 12.9550% | 5,541 |
| Memoranda: |
| Average total assets | $171,132,670 | 3,585 |
| Average earning assets | $159,262,670 | 3,531 |
| Average equity | $13,634,330 | 4,285 |
| Average total loans | $100,470,000 | 3,880 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5442% | 6,694 |
| Cost of funding earning assets | 1.3439% | 4,537 |
| Net interest margin | 3.2003% | 6,294 |
| Noninterest income to average assets | 0.4324% | 4,639 |
| Noninterest expense to average assets | 1.8947% | 7,338 |
| Loan and lease loss provision to assets | 0.1395% | 5,158 |
| Net operating income to assets | 1.2949% | 1,313 |
| Return on assets (ROA) | 1.2949% | 1,384 |
| Pretax return on assets | 1.3600% | 1,879 |
| Return on Equity (ROE) | 16.4744% | 654 |
| Retained earnings to average equity (ytd only) | -1.7450% | 6,166 |
| Net charge-offs to loans | -0.0040% | 6,800 |
| Credit loss provision to net charge-offs | -6,000.0000% | 6,655 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.8219% | 6,786 |
| Assets per employee ($millions) | 5.7988% | 1,402 |
| Cash dividends to net income (ytd only)* | 110.5925% | 495 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1842% | 5,575 |
| Loan loss allowance to noncurrent loans | 1,576.0000% | 227 |
| Noncurrent assets plus other real estate owned to assets | 0.0431% | 7,383 |
| Noncurrent loans to loans | 0.0751% | 7,211 |
| Net loans and leases to total assets | 56.6983% | 5,654 |
| Net loans and leases to deposits | 67.7022% | 5,628 |
| Net loans and leases to core deposits | 76.8734% | 5,150 |
| Total domestic deposits to total assets | 83.7465% | 4,264 |
| Equity capital to assets | 7.7660% | 6,872 |
| Core capital (leverage) ratio | 7.6461% | 6,684 |
| Tier 1 risk-based capital ratio | 11.2849% | 5,869 |
| Total risk-based capital ratio | 12.2978% | 6,084 |
| Memoranda: |
| Average total assets | $172,062,000 | 3,628 |
| Average earning assets | $159,237,500 | 3,578 |
| Average equity | $13,524,000 | 4,352 |
| Average total loans | $100,731,000 | 3,937 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8287% | 6,885 |
| Cost of funding earning assets | 1.6656% | 4,697 |
| Net interest margin | 3.1631% | 6,198 |
| Noninterest income to average assets | 0.5356% | 4,136 |
| Noninterest expense to average assets | 1.9231% | 7,465 |
| Loan and lease loss provision to assets | 0.1511% | 6,155 |
| Net operating income to assets | 1.3513% | 939 |
| Return on assets (ROA) | 1.3513% | 988 |
| Pretax return on assets | 1.4195% | 1,385 |
| Return on Equity (ROE) | 17.2300% | 434 |
| Retained earnings to average equity (ytd only) | 12.5936% | 176 |
| Net charge-offs to loans | 0.1504% | 5,748 |
| Credit loss provision to net charge-offs | 173.2394% | 2,446 |
| Earnings coverage of net charge-offs (x) | 18.0070% | 1,154 |
| Efficiency ratio | 55.0457% | 7,125 |
| Assets per employee ($millions) | 5.4891% | 1,654 |
| Cash dividends to net income (ytd only)* | 26.9091% | 3,456 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1028% | 5,886 |
| Loan loss allowance to noncurrent loans | 1,751.5625% | 222 |
| Noncurrent assets plus other real estate owned to assets | 0.0376% | 7,422 |
| Noncurrent loans to loans | 0.0630% | 7,267 |
| Net loans and leases to total assets | 59.0764% | 5,480 |
| Net loans and leases to deposits | 72.0868% | 5,312 |
| Net loans and leases to core deposits | 92.5474% | 4,824 |
| Total domestic deposits to total assets | 81.9518% | 4,965 |
| Equity capital to assets | 7.9560% | 6,624 |
| Core capital (leverage) ratio | 7.8590% | 6,374 |
| Tier 1 risk-based capital ratio | 11.2089% | 5,710 |
| Total risk-based capital ratio | 12.1589% | 5,975 |
| Memoranda: |
| Average total assets | $162,809,400 | 3,715 |
| Average earning assets | $152,254,800 | 3,672 |
| Average equity | $12,768,400 | 4,566 |
| Average total loans | $94,430,600 | 4,096 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9055% | 6,873 |
| Cost of funding earning assets | 1.7431% | 4,679 |
| Net interest margin | 3.1625% | 6,136 |
| Noninterest income to average assets | 0.5500% | 4,074 |
| Noninterest expense to average assets | 1.9821% | 7,416 |
| Loan and lease loss provision to assets | 0.1532% | 5,824 |
| Net operating income to assets | 1.3103% | 1,194 |
| Return on assets (ROA) | 1.3103% | 1,272 |
| Pretax return on assets | 1.3766% | 1,755 |
| Return on Equity (ROE) | 16.7723% | 569 |
| Retained earnings to average equity (ytd only) | 10.4959% | 548 |
| Net charge-offs to loans | 0.1526% | 5,189 |
| Credit loss provision to net charge-offs | 174.5283% | 2,654 |
| Earnings coverage of net charge-offs (x) | 17.4245% | 1,407 |
| Efficiency ratio | 56.4387% | 6,940 |
| Assets per employee ($millions) | 5.2800% | 1,807 |
| Cash dividends to net income (ytd only)* | 37.4208% | 2,563 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1859% | 5,188 |
| Loan loss allowance to noncurrent loans | 625.7143% | 533 |
| Noncurrent assets plus other real estate owned to assets | 0.1069% | 7,282 |
| Noncurrent loans to loans | 0.1895% | 7,024 |
| Net loans and leases to total assets | 55.7420% | 6,172 |
| Net loans and leases to deposits | 68.8456% | 6,045 |
| Net loans and leases to core deposits | 89.6795% | 5,468 |
| Total domestic deposits to total assets | 80.9666% | 5,089 |
| Equity capital to assets | 8.0443% | 6,808 |
| Core capital (leverage) ratio | 7.7507% | 6,666 |
| Tier 1 risk-based capital ratio | 11.4692% | 5,461 |
| Total risk-based capital ratio | 12.4651% | 5,686 |
| Memoranda: |
| Average total assets | $160,971,500 | 3,778 |
| Average earning assets | $150,764,750 | 3,709 |
| Average equity | $12,576,000 | 4,643 |
| Average total loans | $92,626,750 | 4,187 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0149% | 6,716 |
| Cost of funding earning assets | 1.8255% | 4,632 |
| Net interest margin | 3.1894% | 5,955 |
| Noninterest income to average assets | 0.5273% | 4,213 |
| Noninterest expense to average assets | 2.0154% | 7,436 |
| Loan and lease loss provision to assets | 0.1537% | 5,534 |
| Net operating income to assets | 1.2882% | 1,255 |
| Return on assets (ROA) | 1.2882% | 1,343 |
| Pretax return on assets | 1.3532% | 1,862 |
| Return on Equity (ROE) | 16.6572% | 623 |
| Retained earnings to average equity (ytd only) | 10.3239% | 664 |
| Net charge-offs to loans | 0.0798% | 5,410 |
| Credit loss provision to net charge-offs | 332.4324% | 1,400 |
| Earnings coverage of net charge-offs (x) | 32.5946% | 942 |
| Efficiency ratio | 57.2189% | 6,965 |
| Assets per employee ($millions) | 5.2106% | 1,846 |
| Cash dividends to net income (ytd only)* | 38.0213% | 2,519 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2774% | 4,411 |
| Loan loss allowance to noncurrent loans | 517.8404% | 637 |
| Noncurrent assets plus other real estate owned to assets | 0.1319% | 7,229 |
| Noncurrent loans to loans | 0.2467% | 6,893 |
| Net loans and leases to total assets | 52.7748% | 6,591 |
| Net loans and leases to deposits | 61.6612% | 6,757 |
| Net loans and leases to core deposits | 76.5871% | 6,639 |
| Total domestic deposits to total assets | 85.5883% | 2,967 |
| Equity capital to assets | 7.7219% | 7,048 |
| Core capital (leverage) ratio | 7.5436% | 6,969 |
| Tier 1 risk-based capital ratio | 11.8288% | 5,074 |
| Total risk-based capital ratio | 12.8932% | 5,180 |
| Memoranda: |
| Average total assets | $160,068,330 | 3,823 |
| Average earning assets | $150,312,330 | 3,739 |
| Average equity | $12,379,000 | 4,716 |
| Average total loans | $92,724,330 | 4,214 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2329% | 6,175 |
| Cost of funding earning assets | 1.9231% | 4,521 |
| Net interest margin | 3.3098% | 5,462 |
| Noninterest income to average assets | 0.4594% | 4,687 |
| Noninterest expense to average assets | 1.9230% | 7,509 |
| Loan and lease loss provision to assets | 0.1556% | 4,940 |
| Net operating income to assets | 1.4083% | 1,120 |
| Return on assets (ROA) | 1.4083% | 1,207 |
| Pretax return on assets | 1.4786% | 1,730 |
| Return on Equity (ROE) | 18.1966% | 576 |
| Retained earnings to average equity (ytd only) | 18.1966% | 224 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.0579% | 7,211 |
| Assets per employee ($millions) | 5.3479% | 1,700 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1664% | 5,004 |
| Loan loss allowance to noncurrent loans | 564.9215% | 634 |
| Noncurrent assets plus other real estate owned to assets | 0.1190% | 7,231 |
| Noncurrent loans to loans | 0.2065% | 6,941 |
| Net loans and leases to total assets | 56.9875% | 6,099 |
| Net loans and leases to deposits | 66.4938% | 6,331 |
| Net loans and leases to core deposits | 82.7217% | 6,171 |
| Total domestic deposits to total assets | 85.7034% | 2,867 |
| Equity capital to assets | 7.8411% | 7,017 |
| Core capital (leverage) ratio | 7.6692% | 6,928 |
| Tier 1 risk-based capital ratio | 11.2845% | 5,614 |
| Total risk-based capital ratio | 12.2841% | 5,783 |
| Memoranda: |
| Average total assets | $159,338,500 | 3,847 |
| Average earning assets | $149,134,500 | 3,767 |
| Average equity | $12,332,000 | 4,743 |
| Average total loans | $95,912,000 | 4,147 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.8173% | 6,375 |
| Cost of funding earning assets | 2.5062% | 4,177 |
| Net interest margin | 3.3111% | 5,996 |
| Noninterest income to average assets | 0.6272% | 3,656 |
| Noninterest expense to average assets | 1.8998% | 7,612 |
| Loan and lease loss provision to assets | 0.1867% | 5,023 |
| Net operating income to assets | 1.5298% | 961 |
| Return on assets (ROA) | 1.5298% | 931 |
| Pretax return on assets | 1.6070% | 1,365 |
| Return on Equity (ROE) | 19.9489% | 373 |
| Retained earnings to average equity (ytd only) | 7.1283% | 1,111 |
| Net charge-offs to loans | 0.1879% | 4,316 |
| Credit loss provision to net charge-offs | 156.1798% | 3,335 |
| Earnings coverage of net charge-offs (x) | 15.0056% | 1,975 |
| Efficiency ratio | 51.4364% | 7,547 |
| Assets per employee ($millions) | 5.1045% | 1,833 |
| Cash dividends to net income (ytd only)* | 64.2669% | 2,462 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0250% | 5,818 |
| Loan loss allowance to noncurrent loans | 442.6087% | 954 |
| Noncurrent assets plus other real estate owned to assets | 0.1453% | 6,993 |
| Noncurrent loans to loans | 0.2316% | 6,691 |
| Net loans and leases to total assets | 62.1196% | 5,609 |
| Net loans and leases to deposits | 72.3956% | 6,009 |
| Net loans and leases to core deposits | 88.9776% | 5,893 |
| Total domestic deposits to total assets | 85.8057% | 2,491 |
| Equity capital to assets | 7.6365% | 7,272 |
| Core capital (leverage) ratio | 7.4789% | 7,231 |
| Tier 1 risk-based capital ratio | 10.3399% | 6,376 |
| Total risk-based capital ratio | 11.2458% | 6,624 |
| Memoranda: |
| Average total assets | $148,908,200 | 3,921 |
| Average earning assets | $137,900,200 | 3,894 |
| Average equity | $11,419,200 | 4,996 |
| Average total loans | $94,751,600 | 4,087 |
