| 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 | 5.0403% | 4,368 |
| Cost of funding earning assets | 1.6549% | 1,800 |
| Net interest margin | 3.3853% | 5,684 |
| Noninterest income to average assets | 0.2741% | 5,823 |
| Noninterest expense to average assets | 1.7767% | 7,285 |
| Loan and lease loss provision to assets | 0.2806% | 4,565 |
| Net operating income to assets | 1.3388% | 1,088 |
| Return on assets (ROA) | 1.0929% | 1,806 |
| Pretax return on assets | 1.1343% | 2,445 |
| Return on Equity (ROE) | 13.5796% | 968 |
| Retained earnings to average equity (ytd only) | 8.1366% | 944 |
| Net charge-offs to loans | 0.3153% | 4,444 |
| Credit loss provision to net charge-offs | 135.3365% | 2,871 |
| Earnings coverage of net charge-offs (x) | 8.0601% | 2,019 |
| Efficiency ratio | 51.5322% | 7,022 |
| Assets per employee ($millions) | 7.9283% | 490 |
| Cash dividends to net income (ytd only)* | 40.0821% | 2,600 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3301% | 4,852 |
| Loan loss allowance to noncurrent loans | 702.8455% | 488 |
| Noncurrent assets plus other real estate owned to assets | 0.7219% | 5,560 |
| Noncurrent loans to loans | 0.1892% | 6,692 |
| Net loans and leases to total assets | 62.2243% | 4,237 |
| Net loans and leases to deposits | 68.2179% | 5,076 |
| Net loans and leases to core deposits | 69.7018% | 5,474 |
| Total domestic deposits to total assets | 91.2140% | 501 |
| Equity capital to assets | 7.9627% | 6,530 |
| Core capital (leverage) ratio | 8.0925% | 6,035 |
| Tier 1 risk-based capital ratio | 11.3172% | 6,075 |
| Total risk-based capital ratio | 12.5160% | 6,102 |
| Memoranda: |
| Average total assets | $200,658,200 | 3,091 |
| Average earning assets | $188,105,200 | 3,029 |
| Average equity | $16,149,200 | 3,731 |
| Average total loans | $131,940,800 | 3,087 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0457% | 4,604 |
| Cost of funding earning assets | 1.7078% | 1,837 |
| Net interest margin | 3.3379% | 5,896 |
| Noninterest income to average assets | 0.2750% | 5,910 |
| Noninterest expense to average assets | 1.7468% | 7,395 |
| Loan and lease loss provision to assets | 0.2509% | 4,581 |
| Net operating income to assets | 1.3517% | 1,216 |
| Return on assets (ROA) | 1.2143% | 1,635 |
| Pretax return on assets | 1.2685% | 2,265 |
| Return on Equity (ROE) | 15.0466% | 848 |
| Retained earnings to average equity (ytd only) | 10.2466% | 742 |
| Net charge-offs to loans | 0.2396% | 4,506 |
| Credit loss provision to net charge-offs | 157.5630% | 2,424 |
| Earnings coverage of net charge-offs (x) | 10.4410% | 1,882 |
| Efficiency ratio | 51.2363% | 7,052 |
| Assets per employee ($millions) | 7.5376% | 614 |
| Cash dividends to net income (ytd only)* | 31.9008% | 2,453 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3267% | 4,814 |
| Loan loss allowance to noncurrent loans | 247.6945% | 1,179 |
| Noncurrent assets plus other real estate owned to assets | 0.8950% | 5,310 |
| Noncurrent loans to loans | 0.5356% | 6,134 |
| Net loans and leases to total assets | 65.2354% | 3,858 |
| Net loans and leases to deposits | 71.8682% | 4,862 |
| Net loans and leases to core deposits | 73.7461% | 5,326 |
| Total domestic deposits to total assets | 90.7709% | 526 |
| Equity capital to assets | 8.5908% | 6,167 |
| Core capital (leverage) ratio | 8.1335% | 6,145 |
| Tier 1 risk-based capital ratio | 11.3961% | 6,025 |
| Total risk-based capital ratio | 12.6022% | 6,043 |
| Memoranda: |
| Average total assets | $199,289,000 | 3,149 |
| Average earning assets | $187,137,000 | 3,085 |
| Average equity | $16,083,000 | 3,794 |
| Average total loans | $132,427,250 | 3,134 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0060% | 4,916 |
| Cost of funding earning assets | 1.7432% | 1,905 |
| Net interest margin | 3.2628% | 6,126 |
| Noninterest income to average assets | 0.3333% | 5,487 |
| Noninterest expense to average assets | 1.7276% | 7,482 |
| Loan and lease loss provision to assets | 0.3124% | 3,877 |
| Net operating income to assets | 1.3134% | 1,273 |
| Return on assets (ROA) | 1.2176% | 1,579 |
| Pretax return on assets | 1.2665% | 2,196 |
| Return on Equity (ROE) | 15.4118% | 781 |
| Retained earnings to average equity (ytd only) | 15.4118% | 219 |
| Net charge-offs to loans | 0.1724% | 4,583 |
| Credit loss provision to net charge-offs | 272.1739% | 1,381 |
| Earnings coverage of net charge-offs (x) | 14.6261% | 1,509 |
| Efficiency ratio | 50.7178% | 7,177 |
| Assets per employee ($millions) | 7.7368% | 563 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3318% | 4,763 |
| Loan loss allowance to noncurrent loans | 158.2222% | 1,768 |
| Noncurrent assets plus other real estate owned to assets | 1.0171% | 5,109 |
| Noncurrent loans to loans | 0.8417% | 5,594 |
| Net loans and leases to total assets | 65.5559% | 3,927 |
| Net loans and leases to deposits | 71.8670% | 5,015 |
| Net loans and leases to core deposits | 73.7822% | 5,471 |
| Total domestic deposits to total assets | 91.2183% | 407 |
| Equity capital to assets | 8.2055% | 6,537 |
| Core capital (leverage) ratio | 8.0618% | 6,179 |
| Tier 1 risk-based capital ratio | 11.1809% | 6,061 |
| Total risk-based capital ratio | 12.4073% | 6,077 |
| Memoranda: |
| Average total assets | $200,392,670 | 3,162 |
| Average earning assets | $188,733,670 | 3,084 |
| Average equity | $15,832,000 | 3,826 |
| Average total loans | $133,381,000 | 3,145 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9727% | 5,144 |
| Cost of funding earning assets | 1.7907% | 1,915 |
| Net interest margin | 3.1820% | 6,350 |
| Noninterest income to average assets | 0.2980% | 5,763 |
| Noninterest expense to average assets | 1.6859% | 7,587 |
| Loan and lease loss provision to assets | 0.2500% | 4,048 |
| Net operating income to assets | 1.3219% | 1,248 |
| Return on assets (ROA) | 1.1279% | 1,820 |
| Pretax return on assets | 1.1579% | 2,520 |
| Return on Equity (ROE) | 14.5595% | 949 |
| Retained earnings to average equity (ytd only) | 14.5595% | 450 |
| Net charge-offs to loans | 0.1471% | 4,049 |
| Credit loss provision to net charge-offs | 255.1020% | 1,518 |
| Earnings coverage of net charge-offs (x) | 16.4082% | 1,331 |
| Efficiency ratio | 51.1840% | 7,221 |
| Assets per employee ($millions) | 7.6337% | 609 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2286% | 5,343 |
| Loan loss allowance to noncurrent loans | 103.7547% | 2,665 |
| Noncurrent assets plus other real estate owned to assets | 1.0485% | 5,047 |
| Noncurrent loans to loans | 1.1842% | 4,995 |
| Net loans and leases to total assets | 67.1564% | 3,590 |
| Net loans and leases to deposits | 73.4400% | 4,833 |
| Net loans and leases to core deposits | 75.5167% | 5,323 |
| Total domestic deposits to total assets | 91.4438% | 393 |
| Equity capital to assets | 7.9405% | 6,719 |
| Core capital (leverage) ratio | 7.8720% | 6,413 |
| Tier 1 risk-based capital ratio | 10.5909% | 6,548 |
| Total risk-based capital ratio | 11.7187% | 6,652 |
| Memoranda: |
| Average total assets | $200,010,000 | 3,215 |
| Average earning assets | $188,308,000 | 3,142 |
| Average equity | $15,495,000 | 3,921 |
| Average total loans | $133,246,000 | 3,201 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1209% | 5,997 |
| Cost of funding earning assets | 2.1843% | 2,101 |
| Net interest margin | 2.9366% | 6,786 |
| Noninterest income to average assets | 0.3195% | 5,801 |
| Noninterest expense to average assets | 1.7793% | 7,630 |
| Loan and lease loss provision to assets | 1.4730% | 1,563 |
| Net operating income to assets | -0.1331% | 5,729 |
| Return on assets (ROA) | -0.1331% | 5,723 |
| Pretax return on assets | -0.1509% | 5,644 |
| Return on Equity (ROE) | -1.7611% | 5,817 |
| Retained earnings to average equity (ytd only) | -4.7860% | 5,993 |
| Net charge-offs to loans | 2.2402% | 1,057 |
| Credit loss provision to net charge-offs | 96.7634% | 5,743 |
| Earnings coverage of net charge-offs (x) | 0.8685% | 5,241 |
| Efficiency ratio | 57.3698% | 6,853 |
| Assets per employee ($millions) | 7.7517% | 567 |
| Cash dividends to net income (ytd only)* | -171.7557% | 7,932 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2026% | 5,341 |
| Loan loss allowance to noncurrent loans | 28.7166% | 6,561 |
| Noncurrent assets plus other real estate owned to assets | 2.7741% | 2,519 |
| Noncurrent loans to loans | 4.1880% | 1,741 |
| Net loans and leases to total assets | 64.4835% | 4,497 |
| Net loans and leases to deposits | 70.2930% | 5,570 |
| Net loans and leases to core deposits | 79.0528% | 6,180 |
| Total domestic deposits to total assets | 91.7353% | 320 |
| Equity capital to assets | 7.5567% | 6,980 |
| Core capital (leverage) ratio | 7.5465% | 6,747 |
| Tier 1 risk-based capital ratio | 10.0389% | 6,838 |
| Total risk-based capital ratio | 11.0971% | 6,968 |
| Memoranda: |
| Average total assets | $196,879,800 | 3,215 |
| Average earning assets | $186,510,000 | 3,133 |
| Average equity | $14,876,800 | 4,083 |
| Average total loans | $133,781,600 | 3,194 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1740% | 5,991 |
| Cost of funding earning assets | 2.2466% | 2,202 |
| Net interest margin | 2.9275% | 6,785 |
| Noninterest income to average assets | 0.3086% | 6,016 |
| Noninterest expense to average assets | 1.7931% | 7,665 |
| Loan and lease loss provision to assets | 1.2814% | 1,500 |
| Net operating income to assets | 0.0129% | 5,683 |
| Return on assets (ROA) | 0.0129% | 5,736 |
| Pretax return on assets | 0.0136% | 5,676 |
| Return on Equity (ROE) | 0.1713% | 5,724 |
| Retained earnings to average equity (ytd only) | -3.8858% | 6,098 |
| Net charge-offs to loans | 1.8738% | 1,075 |
| Credit loss provision to net charge-offs | 99.6292% | 5,133 |
| Earnings coverage of net charge-offs (x) | 1.0069% | 5,044 |
| Efficiency ratio | 58.0631% | 6,711 |
| Assets per employee ($millions) | 7.4058% | 665 |
| Cash dividends to net income (ytd only)* | 2,368.6932% | 10 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2649% | 4,722 |
| Loan loss allowance to noncurrent loans | 25.1769% | 6,775 |
| Noncurrent assets plus other real estate owned to assets | 3.4926% | 1,906 |
| Noncurrent loans to loans | 5.0241% | 1,309 |
| Net loans and leases to total assets | 67.7808% | 4,005 |
| Net loans and leases to deposits | 74.0153% | 5,366 |
| Net loans and leases to core deposits | 82.8700% | 6,129 |
| Total domestic deposits to total assets | 91.5767% | 248 |
| Equity capital to assets | 7.8442% | 6,995 |
| Core capital (leverage) ratio | 7.4956% | 6,978 |
| Tier 1 risk-based capital ratio | 10.0305% | 6,948 |
| Total risk-based capital ratio | 11.1723% | 7,000 |
| Memoranda: |
| Average total assets | $195,714,000 | 3,249 |
| Average earning assets | $185,820,500 | 3,170 |
| Average equity | $14,788,500 | 4,136 |
| Average total loans | $134,341,000 | 3,219 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2788% | 5,751 |
| Cost of funding earning assets | 2.2946% | 2,374 |
| Net interest margin | 2.9842% | 6,595 |
| Noninterest income to average assets | 0.2927% | 6,172 |
| Noninterest expense to average assets | 1.8296% | 7,710 |
| Loan and lease loss provision to assets | 1.1496% | 1,492 |
| Net operating income to assets | 0.1098% | 5,537 |
| Return on assets (ROA) | 0.1098% | 5,635 |
| Pretax return on assets | 0.1464% | 5,573 |
| Return on Equity (ROE) | 1.4711% | 5,467 |
| Retained earnings to average equity (ytd only) | -4.6583% | 6,252 |
| Net charge-offs to loans | 1.8377% | 1,029 |
| Credit loss provision to net charge-offs | 91.1362% | 4,883 |
| Earnings coverage of net charge-offs (x) | 1.0274% | 4,762 |
| Efficiency ratio | 58.5366% | 6,763 |
| Assets per employee ($millions) | 7.5620% | 594 |
| Cash dividends to net income (ytd only)* | 416.6667% | 88 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1615% | 5,184 |
| Loan loss allowance to noncurrent loans | 40.4381% | 5,676 |
| Noncurrent assets plus other real estate owned to assets | 2.0167% | 3,174 |
| Noncurrent loans to loans | 2.8724% | 2,511 |
| Net loans and leases to total assets | 67.9060% | 4,166 |
| Net loans and leases to deposits | 74.0175% | 5,451 |
| Net loans and leases to core deposits | 82.9025% | 6,169 |
| Total domestic deposits to total assets | 91.7432% | 261 |
| Equity capital to assets | 7.5026% | 7,260 |
| Core capital (leverage) ratio | 7.5060% | 7,004 |
| Tier 1 risk-based capital ratio | 10.0041% | 6,915 |
| Total risk-based capital ratio | 11.0664% | 7,057 |
| Memoranda: |
| Average total assets | $196,768,670 | 3,262 |
| Average earning assets | $186,785,330 | 3,186 |
| Average equity | $14,683,330 | 4,162 |
| Average total loans | $135,060,000 | 3,243 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3170% | 5,819 |
| Cost of funding earning assets | 2.3366% | 2,552 |
| Net interest margin | 2.9803% | 6,530 |
| Noninterest income to average assets | 0.2764% | 6,215 |
| Noninterest expense to average assets | 1.7801% | 7,723 |
| Loan and lease loss provision to assets | 0.3048% | 3,511 |
| Net operating income to assets | 0.9693% | 2,444 |
| Return on assets (ROA) | 0.9693% | 2,571 |
| Pretax return on assets | 1.0140% | 3,294 |
| Return on Equity (ROE) | 13.0243% | 1,382 |
| Retained earnings to average equity (ytd only) | 13.0243% | 636 |
| Net charge-offs to loans | 0.8619% | 1,514 |
| Credit loss provision to net charge-offs | 51.5464% | 4,652 |
| Earnings coverage of net charge-offs (x) | 2.2302% | 3,624 |
| Efficiency ratio | 57.4426% | 6,767 |
| Assets per employee ($millions) | 7.5130% | 617 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1328% | 5,241 |
| Loan loss allowance to noncurrent loans | 36.4541% | 6,131 |
| Noncurrent assets plus other real estate owned to assets | 2.2197% | 2,575 |
| Noncurrent loans to loans | 3.1076% | 2,079 |
| Net loans and leases to total assets | 68.7158% | 3,971 |
| Net loans and leases to deposits | 75.0175% | 5,340 |
| Net loans and leases to core deposits | 83.3776% | 6,105 |
| Total domestic deposits to total assets | 91.5997% | 252 |
| Equity capital to assets | 7.6826% | 7,195 |
| Core capital (leverage) ratio | 7.6067% | 7,020 |
| Tier 1 risk-based capital ratio | 10.0473% | 6,858 |
| Total risk-based capital ratio | 11.0847% | 7,013 |
| Memoranda: |
| Average total assets | $196,846,500 | 3,274 |
| Average earning assets | $186,422,000 | 3,204 |
| Average equity | $14,649,500 | 4,201 |
| Average total loans | $135,049,500 | 3,268 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.9865% | 5,611 |
| Cost of funding earning assets | 2.7802% | 2,786 |
| Net interest margin | 3.2063% | 6,346 |
| Noninterest income to average assets | 0.3246% | 6,129 |
| Noninterest expense to average assets | 1.5911% | 7,975 |
| Loan and lease loss provision to assets | 0.0766% | 6,440 |
| Net operating income to assets | 1.4929% | 1,037 |
| Return on assets (ROA) | 1.4929% | 996 |
| Pretax return on assets | 1.6719% | 1,212 |
| Return on Equity (ROE) | 16.5802% | 690 |
| Retained earnings to average equity (ytd only) | 3.4109% | 3,021 |
| Net charge-offs to loans | 0.1581% | 4,617 |
| Credit loss provision to net charge-offs | 68.0365% | 6,107 |
| Earnings coverage of net charge-offs (x) | 15.5205% | 1,926 |
| Efficiency ratio | 47.6433% | 7,835 |
| Assets per employee ($millions) | 7.6290% | 537 |
| Cash dividends to net income (ytd only)* | 79.4280% | 1,745 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2499% | 4,145 |
| Loan loss allowance to noncurrent loans | 72.7155% | 4,432 |
| Noncurrent assets plus other real estate owned to assets | 1.2241% | 3,777 |
| Noncurrent loans to loans | 1.7189% | 3,191 |
| Net loans and leases to total assets | 66.8771% | 4,664 |
| Net loans and leases to deposits | 72.6983% | 5,981 |
| Net loans and leases to core deposits | 79.3608% | 6,660 |
| Total domestic deposits to total assets | 91.9926% | 134 |
| Equity capital to assets | 7.2053% | 7,623 |
| Core capital (leverage) ratio | 7.4842% | 7,224 |
| Tier 1 risk-based capital ratio | 9.7359% | 7,038 |
| Total risk-based capital ratio | 10.8695% | 7,072 |
| Memoranda: |
| Average total assets | $194,393,200 | 3,207 |
| Average earning assets | $182,794,200 | 3,150 |
| Average equity | $17,502,800 | 3,646 |
| Average total loans | $138,533,800 | 3,120 |
