| 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 | 5.2738% | 3,246 |
| Cost of funding earning assets | 1.5914% | 2,119 |
| Net interest margin | 3.6824% | 4,432 |
| Noninterest income to average assets | 0.5138% | 4,064 |
| Noninterest expense to average assets | 2.5428% | 5,642 |
| Loan and lease loss provision to assets | 0.7106% | 2,305 |
| Net operating income to assets | 0.5943% | 3,696 |
| Return on assets (ROA) | 0.5943% | 3,863 |
| Pretax return on assets | 0.6240% | 4,246 |
| Return on Equity (ROE) | 7.0437% | 3,097 |
| Retained earnings to average equity (ytd only) | 7.0437% | 1,301 |
| Net charge-offs to loans | 0.9590% | 2,259 |
| Credit loss provision to net charge-offs | 113.2543% | 3,843 |
| Earnings coverage of net charge-offs (x) | 2.1272% | 4,127 |
| Efficiency ratio | 65.5798% | 5,047 |
| Assets per employee ($millions) | 3.8897% | 4,030 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3085% | 4,963 |
| Loan loss allowance to noncurrent loans | 55.1803% | 4,708 |
| Noncurrent assets plus other real estate owned to assets | 3.1629% | 2,233 |
| Noncurrent loans to loans | 2.3713% | 3,149 |
| Net loans and leases to total assets | 61.6933% | 4,348 |
| Net loans and leases to deposits | 74.6559% | 4,087 |
| Net loans and leases to core deposits | 76.6786% | 4,621 |
| Total domestic deposits to total assets | 82.6368% | 4,955 |
| Equity capital to assets | 8.6011% | 5,723 |
| Core capital (leverage) ratio | 8.4960% | 5,375 |
| Tier 1 risk-based capital ratio | 12.3499% | 5,160 |
| Total risk-based capital ratio | 13.5371% | 5,184 |
| Memoranda: |
| Average total assets | $147,905,400 | 3,913 |
| Average earning assets | $135,100,600 | 3,910 |
| Average equity | $12,479,200 | 4,484 |
| Average total loans | $96,768,800 | 3,878 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2939% | 3,381 |
| Cost of funding earning assets | 1.6315% | 2,204 |
| Net interest margin | 3.6624% | 4,583 |
| Noninterest income to average assets | 0.4479% | 4,578 |
| Noninterest expense to average assets | 2.6246% | 5,224 |
| Loan and lease loss provision to assets | 0.8004% | 1,897 |
| Net operating income to assets | 0.3623% | 4,920 |
| Return on assets (ROA) | 0.3623% | 5,102 |
| Pretax return on assets | 0.3794% | 5,284 |
| Return on Equity (ROE) | 4.3153% | 4,636 |
| Retained earnings to average equity (ytd only) | 4.3153% | 3,464 |
| Net charge-offs to loans | 0.0872% | 5,662 |
| Credit loss provision to net charge-offs | 1,387.5000% | 222 |
| Earnings coverage of net charge-offs (x) | 20.4534% | 1,165 |
| Efficiency ratio | 68.9884% | 4,267 |
| Assets per employee ($millions) | 3.8628% | 4,114 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9582% | 2,334 |
| Loan loss allowance to noncurrent loans | 50.1971% | 4,941 |
| Noncurrent assets plus other real estate owned to assets | 3.7047% | 1,920 |
| Noncurrent loans to loans | 3.9010% | 1,940 |
| Net loans and leases to total assets | 65.1497% | 3,878 |
| Net loans and leases to deposits | 78.7889% | 3,673 |
| Net loans and leases to core deposits | 81.8386% | 4,267 |
| Total domestic deposits to total assets | 82.6890% | 4,722 |
| Equity capital to assets | 8.7025% | 6,007 |
| Core capital (leverage) ratio | 8.1440% | 6,132 |
| Tier 1 risk-based capital ratio | 11.5880% | 5,838 |
| Total risk-based capital ratio | 12.8455% | 5,825 |
| Memoranda: |
| Average total assets | $147,930,000 | 3,959 |
| Average earning assets | $135,574,250 | 3,956 |
| Average equity | $12,420,750 | 4,565 |
| Average total loans | $97,862,000 | 3,920 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2656% | 3,622 |
| Cost of funding earning assets | 1.6793% | 2,229 |
| Net interest margin | 3.5863% | 4,878 |
| Noninterest income to average assets | 0.2980% | 5,764 |
| Noninterest expense to average assets | 2.5864% | 5,375 |
| Loan and lease loss provision to assets | 0.4234% | 3,208 |
| Net operating income to assets | 0.5529% | 4,077 |
| Return on assets (ROA) | 0.5529% | 4,218 |
| Pretax return on assets | 0.5799% | 4,629 |
| Return on Equity (ROE) | 6.6650% | 3,457 |
| Retained earnings to average equity (ytd only) | 6.6650% | 1,987 |
| Net charge-offs to loans | 0.1286% | 4,911 |
| Credit loss provision to net charge-offs | 498.4127% | 747 |
| Earnings coverage of net charge-offs (x) | 11.8095% | 1,729 |
| Efficiency ratio | 72.0511% | 3,807 |
| Assets per employee ($millions) | 3.8508% | 4,097 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3724% | 4,564 |
| Loan loss allowance to noncurrent loans | 36.1938% | 5,950 |
| Noncurrent assets plus other real estate owned to assets | 3.5736% | 1,964 |
| Noncurrent loans to loans | 3.7918% | 2,033 |
| Net loans and leases to total assets | 63.9786% | 4,269 |
| Net loans and leases to deposits | 77.0659% | 4,148 |
| Net loans and leases to core deposits | 80.2970% | 4,659 |
| Total domestic deposits to total assets | 83.0181% | 4,568 |
| Equity capital to assets | 8.3112% | 6,414 |
| Core capital (leverage) ratio | 8.1340% | 6,060 |
| Tier 1 risk-based capital ratio | 11.4945% | 5,777 |
| Total risk-based capital ratio | 12.7448% | 5,743 |
| Memoranda: |
| Average total assets | $148,311,670 | 3,987 |
| Average earning assets | $136,129,000 | 3,971 |
| Average equity | $12,303,000 | 4,591 |
| Average total loans | $97,969,330 | 3,966 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2939% | 3,582 |
| Cost of funding earning assets | 1.7627% | 2,054 |
| Net interest margin | 3.5312% | 5,032 |
| Noninterest income to average assets | 0.5781% | 3,429 |
| Noninterest expense to average assets | 2.6056% | 5,338 |
| Loan and lease loss provision to assets | 0.2904% | 3,697 |
| Net operating income to assets | 0.8794% | 2,635 |
| Return on assets (ROA) | 0.8794% | 2,713 |
| Pretax return on assets | 0.9228% | 3,375 |
| Return on Equity (ROE) | 10.6112% | 1,905 |
| Retained earnings to average equity (ytd only) | 10.6112% | 1,010 |
| Net charge-offs to loans | 0.0977% | 4,441 |
| Credit loss provision to net charge-offs | 445.8333% | 943 |
| Earnings coverage of net charge-offs (x) | 18.6250% | 1,230 |
| Efficiency ratio | 68.2303% | 4,681 |
| Assets per employee ($millions) | 3.6777% | 4,631 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1911% | 5,548 |
| Loan loss allowance to noncurrent loans | 31.6117% | 6,310 |
| Noncurrent assets plus other real estate owned to assets | 3.9652% | 1,738 |
| Noncurrent loans to loans | 3.7679% | 2,106 |
| Net loans and leases to total assets | 65.9225% | 3,866 |
| Net loans and leases to deposits | 79.5231% | 3,742 |
| Net loans and leases to core deposits | 82.3107% | 4,437 |
| Total domestic deposits to total assets | 82.8974% | 4,682 |
| Equity capital to assets | 8.4218% | 6,125 |
| Core capital (leverage) ratio | 8.0593% | 6,148 |
| Tier 1 risk-based capital ratio | 11.3549% | 5,807 |
| Total risk-based capital ratio | 12.4591% | 5,904 |
| Memoranda: |
| Average total assets | $147,376,000 | 4,055 |
| Average earning assets | $135,250,000 | 4,051 |
| Average equity | $12,213,500 | 4,656 |
| Average total loans | $98,243,000 | 4,009 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5009% | 4,136 |
| Cost of funding earning assets | 2.1639% | 2,169 |
| Net interest margin | 3.3370% | 5,598 |
| Noninterest income to average assets | 0.6259% | 3,455 |
| Noninterest expense to average assets | 2.4292% | 6,376 |
| Loan and lease loss provision to assets | 0.1534% | 6,137 |
| Net operating income to assets | 1.0431% | 1,694 |
| Return on assets (ROA) | 1.0431% | 1,736 |
| Pretax return on assets | 1.0951% | 2,272 |
| Return on Equity (ROE) | 13.2333% | 908 |
| Retained earnings to average equity (ytd only) | 8.3061% | 628 |
| Net charge-offs to loans | 0.1189% | 5,988 |
| Credit loss provision to net charge-offs | 204.3956% | 1,893 |
| Earnings coverage of net charge-offs (x) | 16.6374% | 1,242 |
| Efficiency ratio | 66.0538% | 5,383 |
| Assets per employee ($millions) | 3.8854% | 4,061 |
| Cash dividends to net income (ytd only)* | 37.2332% | 3,039 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1043% | 5,881 |
| Loan loss allowance to noncurrent loans | 32.2255% | 6,303 |
| Noncurrent assets plus other real estate owned to assets | 2.8995% | 2,421 |
| Noncurrent loans to loans | 3.4269% | 2,221 |
| Net loans and leases to total assets | 65.8704% | 4,188 |
| Net loans and leases to deposits | 79.1702% | 4,142 |
| Net loans and leases to core deposits | 91.3570% | 4,965 |
| Total domestic deposits to total assets | 83.2010% | 4,424 |
| Equity capital to assets | 8.1533% | 6,400 |
| Core capital (leverage) ratio | 8.0026% | 6,190 |
| Tier 1 risk-based capital ratio | 11.0407% | 5,883 |
| Total risk-based capital ratio | 12.0657% | 6,068 |
| Memoranda: |
| Average total assets | $121,272,200 | 4,527 |
| Average earning assets | $110,908,800 | 4,535 |
| Average equity | $9,559,200 | 5,424 |
| Average total loans | $76,558,000 | 4,636 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4344% | 4,771 |
| Cost of funding earning assets | 2.1852% | 2,476 |
| Net interest margin | 3.2492% | 5,840 |
| Noninterest income to average assets | 0.5918% | 3,770 |
| Noninterest expense to average assets | 2.4788% | 6,148 |
| Loan and lease loss provision to assets | 0.1407% | 5,948 |
| Net operating income to assets | 0.8964% | 2,434 |
| Return on assets (ROA) | 0.8964% | 2,502 |
| Pretax return on assets | 0.9406% | 3,095 |
| Return on Equity (ROE) | 11.4992% | 1,487 |
| Retained earnings to average equity (ytd only) | 4.4744% | 2,773 |
| Net charge-offs to loans | 0.1387% | 5,316 |
| Credit loss provision to net charge-offs | 163.5135% | 2,883 |
| Earnings coverage of net charge-offs (x) | 12.5681% | 1,746 |
| Efficiency ratio | 69.6277% | 4,668 |
| Assets per employee ($millions) | 3.6757% | 4,486 |
| Cash dividends to net income (ytd only)* | 61.0893% | 1,551 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0900% | 5,792 |
| Loan loss allowance to noncurrent loans | 34.4050% | 6,145 |
| Noncurrent assets plus other real estate owned to assets | 2.9766% | 2,326 |
| Noncurrent loans to loans | 3.1683% | 2,386 |
| Net loans and leases to total assets | 65.7040% | 4,487 |
| Net loans and leases to deposits | 79.4943% | 4,481 |
| Net loans and leases to core deposits | 91.5193% | 5,279 |
| Total domestic deposits to total assets | 82.6525% | 4,377 |
| Equity capital to assets | 8.1059% | 6,732 |
| Core capital (leverage) ratio | 7.7946% | 6,612 |
| Tier 1 risk-based capital ratio | 10.9226% | 6,024 |
| Total risk-based capital ratio | 11.9346% | 6,239 |
| Memoranda: |
| Average total assets | $114,678,750 | 4,725 |
| Average earning assets | $104,761,750 | 4,747 |
| Average equity | $8,939,500 | 5,673 |
| Average total loans | $71,112,250 | 4,874 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7589% | 3,259 |
| Cost of funding earning assets | 2.3490% | 2,162 |
| Net interest margin | 3.4100% | 5,124 |
| Noninterest income to average assets | 0.6088% | 3,618 |
| Noninterest expense to average assets | 2.4391% | 6,339 |
| Loan and lease loss provision to assets | 0.1826% | 5,211 |
| Net operating income to assets | 1.0255% | 2,019 |
| Return on assets (ROA) | 1.0255% | 2,104 |
| Pretax return on assets | 1.0750% | 2,715 |
| Return on Equity (ROE) | 13.3980% | 1,096 |
| Retained earnings to average equity (ytd only) | 1.6903% | 4,399 |
| Net charge-offs to loans | 0.2442% | 3,973 |
| Credit loss provision to net charge-offs | 124.6753% | 3,735 |
| Earnings coverage of net charge-offs (x) | 8.5844% | 2,236 |
| Efficiency ratio | 65.9804% | 5,548 |
| Assets per employee ($millions) | 4.0107% | 3,652 |
| Cash dividends to net income (ytd only)* | 87.3840% | 938 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0812% | 5,724 |
| Loan loss allowance to noncurrent loans | 72.0374% | 3,843 |
| Noncurrent assets plus other real estate owned to assets | 1.3566% | 4,239 |
| Noncurrent loans to loans | 1.5008% | 4,247 |
| Net loans and leases to total assets | 58.5522% | 5,894 |
| Net loans and leases to deposits | 72.8316% | 5,629 |
| Net loans and leases to core deposits | 83.1159% | 6,153 |
| Total domestic deposits to total assets | 80.3939% | 5,320 |
| Equity capital to assets | 7.4302% | 7,325 |
| Core capital (leverage) ratio | 7.4989% | 7,020 |
| Tier 1 risk-based capital ratio | 10.9385% | 5,939 |
| Total risk-based capital ratio | 11.8961% | 6,173 |
| Memoranda: |
| Average total assets | $105,121,000 | 5,011 |
| Average earning assets | $95,191,000 | 5,034 |
| Average equity | $8,046,000 | 6,007 |
| Average total loans | $63,074,330 | 5,205 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.8614% | 2,981 |
| Cost of funding earning assets | 2.4433% | 2,130 |
| Net interest margin | 3.4181% | 5,062 |
| Noninterest income to average assets | 0.5911% | 3,616 |
| Noninterest expense to average assets | 2.3103% | 6,505 |
| Loan and lease loss provision to assets | 0.1391% | 5,175 |
| Net operating income to assets | 1.1860% | 1,694 |
| Return on assets (ROA) | 1.1860% | 1,803 |
| Pretax return on assets | 1.2440% | 2,473 |
| Return on Equity (ROE) | 15.2622% | 926 |
| Retained earnings to average equity (ytd only) | -0.2486% | 5,701 |
| Net charge-offs to loans | 0.0959% | 4,217 |
| Credit loss provision to net charge-offs | 240.0000% | 1,936 |
| Earnings coverage of net charge-offs (x) | 23.8667% | 1,259 |
| Efficiency ratio | 62.5523% | 5,960 |
| Assets per employee ($millions) | 3.8923% | 3,894 |
| Cash dividends to net income (ytd only)* | 101.6287% | 749 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1045% | 5,437 |
| Loan loss allowance to noncurrent loans | 52.2556% | 5,072 |
| Noncurrent assets plus other real estate owned to assets | 1.5748% | 3,566 |
| Noncurrent loans to loans | 2.1137% | 3,097 |
| Net loans and leases to total assets | 59.2125% | 5,780 |
| Net loans and leases to deposits | 74.7921% | 5,381 |
| Net loans and leases to core deposits | 86.7723% | 5,847 |
| Total domestic deposits to total assets | 79.1695% | 5,657 |
| Equity capital to assets | 7.7095% | 7,167 |
| Core capital (leverage) ratio | 7.5737% | 7,059 |
| Tier 1 risk-based capital ratio | 11.1641% | 5,741 |
| Total risk-based capital ratio | 12.1534% | 5,899 |
| Memoranda: |
| Average total assets | $103,537,500 | 5,083 |
| Average earning assets | $93,971,500 | 5,090 |
| Average equity | $8,046,000 | 6,046 |
| Average total loans | $62,562,500 | 5,261 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.9547% | 5,786 |
| Cost of funding earning assets | 2.7985% | 2,712 |
| Net interest margin | 3.1562% | 6,503 |
| Noninterest income to average assets | 0.7080% | 3,071 |
| Noninterest expense to average assets | 2.1874% | 6,993 |
| Loan and lease loss provision to assets | 0.2250% | 4,637 |
| Net operating income to assets | 1.1677% | 1,883 |
| Return on assets (ROA) | 1.1677% | 1,808 |
| Pretax return on assets | 1.2261% | 2,561 |
| Return on Equity (ROE) | 15.3407% | 877 |
| Retained earnings to average equity (ytd only) | 5.7832% | 1,628 |
| Net charge-offs to loans | 0.4541% | 2,561 |
| Credit loss provision to net charge-offs | 88.1679% | 5,716 |
| Earnings coverage of net charge-offs (x) | 5.6870% | 3,562 |
| Efficiency ratio | 60.1178% | 6,318 |
| Assets per employee ($millions) | 3.7772% | 4,011 |
| Cash dividends to net income (ytd only)* | 62.3019% | 2,562 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0835% | 5,387 |
| Loan loss allowance to noncurrent loans | 131.6406% | 2,759 |
| Noncurrent assets plus other real estate owned to assets | 0.8207% | 4,797 |
| Noncurrent loans to loans | 0.8231% | 4,992 |
| Net loans and leases to total assets | 60.3320% | 5,863 |
| Net loans and leases to deposits | 76.9459% | 5,481 |
| Net loans and leases to core deposits | 86.9877% | 6,063 |
| Total domestic deposits to total assets | 78.4084% | 5,578 |
| Equity capital to assets | 7.8346% | 7,059 |
| Core capital (leverage) ratio | 7.5877% | 7,090 |
| Tier 1 risk-based capital ratio | 11.3018% | 5,442 |
| Total risk-based capital ratio | 12.2725% | 5,605 |
| Memoranda: |
| Average total assets | $102,681,000 | 4,970 |
| Average earning assets | $95,335,800 | 4,941 |
| Average equity | $7,815,800 | 6,169 |
| Average total loans | $57,698,600 | 5,373 |
