| 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 | 5.2752% | 3,236 |
| Cost of funding earning assets | 2.0087% | 589 |
| Net interest margin | 3.2665% | 6,085 |
| Noninterest income to average assets | 0.8334% | 2,129 |
| Noninterest expense to average assets | 2.9767% | 3,938 |
| Loan and lease loss provision to assets | 3.1552% | 284 |
| Net operating income to assets | -2.2495% | 7,126 |
| Return on assets (ROA) | -2.2495% | 7,140 |
| Pretax return on assets | -2.3695% | 7,130 |
| Return on Equity (ROE) | -26.1213% | 7,157 |
| Retained earnings to average equity (ytd only) | -26.1213% | 7,140 |
| Net charge-offs to loans | 3.3522% | 449 |
| Credit loss provision to net charge-offs | 135.1430% | 2,883 |
| Earnings coverage of net charge-offs (x) | 0.3365% | 5,772 |
| Efficiency ratio | 79.1161% | 2,518 |
| Assets per employee ($millions) | 4.9086% | 2,280 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.1761% | 747 |
| Loan loss allowance to noncurrent loans | 62.3011% | 4,287 |
| Noncurrent assets plus other real estate owned to assets | 5.2006% | 1,206 |
| Noncurrent loans to loans | 5.0979% | 1,308 |
| Net loans and leases to total assets | 65.4052% | 3,577 |
| Net loans and leases to deposits | 85.4454% | 2,196 |
| Net loans and leases to core deposits | 114.4573% | 698 |
| Total domestic deposits to total assets | 76.5462% | 6,561 |
| Equity capital to assets | 8.7483% | 5,513 |
| Core capital (leverage) ratio | 8.7923% | 4,870 |
| Tier 1 risk-based capital ratio | 13.2751% | 4,395 |
| Total risk-based capital ratio | 14.5500% | 4,329 |
| Memoranda: |
| Average total assets | $146,741,000 | 3,933 |
| Average earning assets | $131,578,600 | 3,981 |
| Average equity | $12,637,200 | 4,450 |
| Average total loans | $102,201,200 | 3,737 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3237% | 3,237 |
| Cost of funding earning assets | 2.1158% | 514 |
| Net interest margin | 3.2079% | 6,316 |
| Noninterest income to average assets | 0.7494% | 2,507 |
| Noninterest expense to average assets | 3.0943% | 3,363 |
| Loan and lease loss provision to assets | 4.0584% | 153 |
| Net operating income to assets | -3.3486% | 7,497 |
| Return on assets (ROA) | -3.3486% | 7,511 |
| Pretax return on assets | -3.5263% | 7,499 |
| Return on Equity (ROE) | -39.0321% | 7,483 |
| Retained earnings to average equity (ytd only) | -39.0321% | 7,480 |
| Net charge-offs to loans | 2.8296% | 571 |
| Credit loss provision to net charge-offs | 204.4525% | 1,737 |
| Earnings coverage of net charge-offs (x) | 0.2681% | 5,756 |
| Efficiency ratio | 85.3270% | 1,703 |
| Assets per employee ($millions) | 4.6816% | 2,626 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.1184% | 331 |
| Loan loss allowance to noncurrent loans | 70.9644% | 3,769 |
| Noncurrent assets plus other real estate owned to assets | 5.8313% | 1,037 |
| Noncurrent loans to loans | 5.8034% | 1,116 |
| Net loans and leases to total assets | 68.7922% | 3,035 |
| Net loans and leases to deposits | 89.9249% | 1,731 |
| Net loans and leases to core deposits | 108.6853% | 1,111 |
| Total domestic deposits to total assets | 76.4997% | 6,570 |
| Equity capital to assets | 8.6416% | 6,115 |
| Core capital (leverage) ratio | 8.3717% | 5,751 |
| Tier 1 risk-based capital ratio | 12.5888% | 4,905 |
| Total risk-based capital ratio | 13.8771% | 4,852 |
| Memoranda: |
| Average total assets | $147,839,250 | 3,963 |
| Average earning assets | $132,587,000 | 4,017 |
| Average equity | $12,683,250 | 4,504 |
| Average total loans | $103,712,250 | 3,742 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2999% | 3,472 |
| Cost of funding earning assets | 2.2299% | 427 |
| Net interest margin | 3.0700% | 6,678 |
| Noninterest income to average assets | 0.6720% | 2,876 |
| Noninterest expense to average assets | 2.9993% | 3,714 |
| Loan and lease loss provision to assets | 3.0618% | 315 |
| Net operating income to assets | -2.4990% | 7,418 |
| Return on assets (ROA) | -2.4990% | 7,429 |
| Pretax return on assets | -2.6320% | 7,398 |
| Return on Equity (ROE) | -29.1947% | 7,423 |
| Retained earnings to average equity (ytd only) | -29.1947% | 7,409 |
| Net charge-offs to loans | 3.6507% | 390 |
| Credit loss provision to net charge-offs | 120.4082% | 3,370 |
| Earnings coverage of net charge-offs (x) | 0.1690% | 5,552 |
| Efficiency ratio | 87.4660% | 1,560 |
| Assets per employee ($millions) | 4.8719% | 2,339 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2234% | 1,716 |
| Loan loss allowance to noncurrent loans | 45.3882% | 5,290 |
| Noncurrent assets plus other real estate owned to assets | 5.2478% | 1,201 |
| Noncurrent loans to loans | 4.8987% | 1,424 |
| Net loans and leases to total assets | 67.3666% | 3,531 |
| Net loans and leases to deposits | 91.1549% | 1,671 |
| Net loans and leases to core deposits | 111.3422% | 1,075 |
| Total domestic deposits to total assets | 73.9034% | 6,986 |
| Equity capital to assets | 8.6647% | 5,925 |
| Core capital (leverage) ratio | 8.2386% | 5,878 |
| Tier 1 risk-based capital ratio | 12.4627% | 4,896 |
| Total risk-based capital ratio | 13.6991% | 4,885 |
| Memoranda: |
| Average total assets | $150,302,670 | 3,949 |
| Average earning assets | $134,983,670 | 4,001 |
| Average equity | $12,865,330 | 4,467 |
| Average total loans | $104,693,670 | 3,749 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3181% | 3,458 |
| Cost of funding earning assets | 2.3146% | 413 |
| Net interest margin | 3.0034% | 6,826 |
| Noninterest income to average assets | 0.6773% | 2,759 |
| Noninterest expense to average assets | 3.0477% | 3,490 |
| Loan and lease loss provision to assets | 2.6356% | 391 |
| Net operating income to assets | -2.1893% | 7,501 |
| Return on assets (ROA) | -2.1893% | 7,507 |
| Pretax return on assets | -2.3048% | 7,476 |
| Return on Equity (ROE) | -25.7288% | 7,511 |
| Retained earnings to average equity (ytd only) | -25.7288% | 7,472 |
| Net charge-offs to loans | 0.6786% | 2,134 |
| Credit loss provision to net charge-offs | 554.6961% | 780 |
| Earnings coverage of net charge-offs (x) | 0.6961% | 4,407 |
| Efficiency ratio | 90.2098% | 1,422 |
| Assets per employee ($millions) | 5.2101% | 1,952 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.5747% | 1,211 |
| Loan loss allowance to noncurrent loans | 53.6732% | 4,750 |
| Noncurrent assets plus other real estate owned to assets | 5.1234% | 1,240 |
| Noncurrent loans to loans | 4.7969% | 1,532 |
| Net loans and leases to total assets | 64.7362% | 4,152 |
| Net loans and leases to deposits | 85.6461% | 2,662 |
| Net loans and leases to core deposits | 93.7575% | 2,868 |
| Total domestic deposits to total assets | 75.5857% | 6,820 |
| Equity capital to assets | 8.1029% | 6,537 |
| Core capital (leverage) ratio | 8.1936% | 5,915 |
| Tier 1 risk-based capital ratio | 12.2577% | 4,937 |
| Total risk-based capital ratio | 13.5234% | 4,894 |
| Memoranda: |
| Average total assets | $152,375,500 | 3,976 |
| Average earning assets | $137,042,500 | 4,015 |
| Average equity | $12,966,000 | 4,483 |
| Average total loans | $106,690,500 | 3,760 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5753% | 3,730 |
| Cost of funding earning assets | 2.7257% | 549 |
| Net interest margin | 2.8497% | 6,968 |
| Noninterest income to average assets | 0.7438% | 2,713 |
| Noninterest expense to average assets | 2.8886% | 4,573 |
| Loan and lease loss provision to assets | 1.4792% | 1,556 |
| Net operating income to assets | -0.9578% | 6,547 |
| Return on assets (ROA) | -0.9578% | 6,549 |
| Pretax return on assets | -1.0096% | 6,414 |
| Return on Equity (ROE) | -11.2980% | 6,720 |
| Retained earnings to average equity (ytd only) | -11.2980% | 6,625 |
| Net charge-offs to loans | 1.5950% | 1,579 |
| Credit loss provision to net charge-offs | 126.2374% | 4,130 |
| Earnings coverage of net charge-offs (x) | 0.4008% | 5,716 |
| Efficiency ratio | 86.0161% | 2,109 |
| Assets per employee ($millions) | 4.9483% | 2,283 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6891% | 2,930 |
| Loan loss allowance to noncurrent loans | 28.9696% | 6,548 |
| Noncurrent assets plus other real estate owned to assets | 4.8751% | 1,281 |
| Noncurrent loans to loans | 5.8307% | 1,081 |
| Net loans and leases to total assets | 72.5320% | 2,627 |
| Net loans and leases to deposits | 98.2463% | 1,076 |
| Net loans and leases to core deposits | 124.7949% | 1,587 |
| Total domestic deposits to total assets | 73.8267% | 7,041 |
| Equity capital to assets | 8.9371% | 5,238 |
| Core capital (leverage) ratio | 8.4887% | 5,296 |
| Tier 1 risk-based capital ratio | 12.3391% | 4,648 |
| Total risk-based capital ratio | 13.5955% | 4,605 |
| Memoranda: |
| Average total assets | $177,594,200 | 3,477 |
| Average earning assets | $162,932,200 | 3,467 |
| Average equity | $15,055,800 | 4,048 |
| Average total loans | $130,466,400 | 3,261 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6331% | 3,676 |
| Cost of funding earning assets | 2.8040% | 588 |
| Net interest margin | 2.8291% | 7,004 |
| Noninterest income to average assets | 0.7991% | 2,434 |
| Noninterest expense to average assets | 3.0015% | 4,037 |
| Loan and lease loss provision to assets | 1.4560% | 1,316 |
| Net operating income to assets | -1.0017% | 6,832 |
| Return on assets (ROA) | -1.0017% | 6,841 |
| Pretax return on assets | -1.0551% | 6,723 |
| Return on Equity (ROE) | -11.9458% | 7,016 |
| Retained earnings to average equity (ytd only) | -11.9458% | 6,940 |
| Net charge-offs to loans | 1.2026% | 1,693 |
| Credit loss provision to net charge-offs | 164.9510% | 2,855 |
| Earnings coverage of net charge-offs (x) | 0.4542% | 5,573 |
| Efficiency ratio | 88.2153% | 1,854 |
| Assets per employee ($millions) | 5.0563% | 2,078 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8856% | 2,068 |
| Loan loss allowance to noncurrent loans | 27.1469% | 6,654 |
| Noncurrent assets plus other real estate owned to assets | 5.3233% | 1,091 |
| Noncurrent loans to loans | 6.9461% | 777 |
| Net loans and leases to total assets | 69.6779% | 3,584 |
| Net loans and leases to deposits | 94.2720% | 1,844 |
| Net loans and leases to core deposits | 122.6292% | 2,022 |
| Total domestic deposits to total assets | 73.9116% | 6,960 |
| Equity capital to assets | 8.6995% | 5,951 |
| Core capital (leverage) ratio | 7.4141% | 7,065 |
| Tier 1 risk-based capital ratio | 12.2170% | 4,771 |
| Total risk-based capital ratio | 13.4491% | 4,742 |
| Memoranda: |
| Average total assets | $184,880,500 | 3,389 |
| Average earning assets | $170,132,000 | 3,370 |
| Average equity | $15,503,000 | 4,005 |
| Average total loans | $135,702,250 | 3,197 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5640% | 4,258 |
| Cost of funding earning assets | 2.8195% | 748 |
| Net interest margin | 2.7445% | 7,111 |
| Noninterest income to average assets | 0.7835% | 2,494 |
| Noninterest expense to average assets | 2.9075% | 4,475 |
| Loan and lease loss provision to assets | 1.6967% | 989 |
| Net operating income to assets | -1.2674% | 7,145 |
| Return on assets (ROA) | -1.2674% | 7,151 |
| Pretax return on assets | -1.2952% | 6,986 |
| Return on Equity (ROE) | -15.2679% | 7,343 |
| Retained earnings to average equity (ytd only) | -15.2679% | 7,254 |
| Net charge-offs to loans | 1.2779% | 1,450 |
| Credit loss provision to net charge-offs | 179.3254% | 2,549 |
| Earnings coverage of net charge-offs (x) | 0.4244% | 5,271 |
| Efficiency ratio | 87.8656% | 2,030 |
| Assets per employee ($millions) | 4.6226% | 2,568 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6653% | 2,467 |
| Loan loss allowance to noncurrent loans | 29.1254% | 6,552 |
| Noncurrent assets plus other real estate owned to assets | 4.5655% | 1,216 |
| Noncurrent loans to loans | 5.7176% | 988 |
| Net loans and leases to total assets | 71.5055% | 3,345 |
| Net loans and leases to deposits | 92.6929% | 2,332 |
| Net loans and leases to core deposits | 120.3005% | 2,346 |
| Total domestic deposits to total assets | 77.1424% | 6,287 |
| Equity capital to assets | 8.6397% | 5,834 |
| Core capital (leverage) ratio | 8.3536% | 5,704 |
| Tier 1 risk-based capital ratio | 12.0004% | 4,916 |
| Total risk-based capital ratio | 13.2546% | 4,835 |
| Memoranda: |
| Average total assets | $194,259,330 | 3,288 |
| Average earning assets | $178,756,330 | 3,276 |
| Average equity | $16,125,330 | 3,892 |
| Average total loans | $143,831,330 | 3,083 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6247% | 4,213 |
| Cost of funding earning assets | 2.8524% | 863 |
| Net interest margin | 2.7723% | 7,051 |
| Noninterest income to average assets | 0.6896% | 2,950 |
| Noninterest expense to average assets | 2.6164% | 5,384 |
| Loan and lease loss provision to assets | 0.9799% | 1,324 |
| Net operating income to assets | -0.3252% | 6,713 |
| Return on assets (ROA) | -0.3252% | 6,786 |
| Pretax return on assets | -0.3438% | 6,707 |
| Return on Equity (ROE) | -3.9997% | 6,894 |
| Retained earnings to average equity (ytd only) | -3.9997% | 6,428 |
| Net charge-offs to loans | 0.9893% | 1,361 |
| Credit loss provision to net charge-offs | 132.5905% | 3,051 |
| Earnings coverage of net charge-offs (x) | 0.8607% | 4,333 |
| Efficiency ratio | 80.4430% | 2,755 |
| Assets per employee ($millions) | 4.9125% | 2,156 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1991% | 4,812 |
| Loan loss allowance to noncurrent loans | 23.0565% | 7,016 |
| Noncurrent assets plus other real estate owned to assets | 4.1819% | 1,202 |
| Noncurrent loans to loans | 5.2006% | 1,024 |
| Net loans and leases to total assets | 71.1013% | 3,445 |
| Net loans and leases to deposits | 91.8059% | 2,632 |
| Net loans and leases to core deposits | 119.7271% | 2,439 |
| Total domestic deposits to total assets | 77.4474% | 6,165 |
| Equity capital to assets | 8.9045% | 5,470 |
| Core capital (leverage) ratio | 9.2606% | 4,300 |
| Tier 1 risk-based capital ratio | 12.3234% | 4,686 |
| Total risk-based capital ratio | 13.5287% | 4,634 |
| Memoranda: |
| Average total assets | $194,314,000 | 3,304 |
| Average earning assets | $179,636,000 | 3,282 |
| Average equity | $15,801,000 | 3,984 |
| Average total loans | $145,157,500 | 3,087 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.6048% | 2,466 |
| Cost of funding earning assets | 3.2385% | 1,072 |
| Net interest margin | 3.3662% | 5,798 |
| Noninterest income to average assets | 0.7977% | 2,528 |
| Noninterest expense to average assets | 3.0164% | 4,030 |
| Loan and lease loss provision to assets | 1.2064% | 1,192 |
| Net operating income to assets | -0.2659% | 6,701 |
| Return on assets (ROA) | -0.2659% | 6,543 |
| Pretax return on assets | -0.2785% | 6,443 |
| Return on Equity (ROE) | -3.4707% | 6,683 |
| Retained earnings to average equity (ytd only) | -3.4707% | 6,224 |
| Net charge-offs to loans | 1.3226% | 897 |
| Credit loss provision to net charge-offs | 108.7500% | 4,945 |
| Earnings coverage of net charge-offs (x) | 0.8364% | 5,731 |
| Efficiency ratio | 76.4751% | 3,154 |
| Assets per employee ($millions) | 4.2549% | 3,026 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1158% | 5,159 |
| Loan loss allowance to noncurrent loans | 36.3922% | 6,302 |
| Noncurrent assets plus other real estate owned to assets | 2.8032% | 1,675 |
| Noncurrent loans to loans | 3.0660% | 1,744 |
| Net loans and leases to total assets | 76.7822% | 2,433 |
| Net loans and leases to deposits | 99.1748% | 1,964 |
| Net loans and leases to core deposits | 133.3695% | 1,631 |
| Total domestic deposits to total assets | 77.4210% | 5,896 |
| Equity capital to assets | 7.3002% | 7,559 |
| Core capital (leverage) ratio | 7.4400% | 7,273 |
| Tier 1 risk-based capital ratio | 9.7106% | 7,066 |
| Total risk-based capital ratio | 10.8775% | 7,065 |
| Memoranda: |
| Average total assets | $165,860,000 | 3,616 |
| Average earning assets | $155,039,600 | 3,566 |
| Average equity | $12,706,400 | 4,645 |
| Average total loans | $139,124,800 | 3,111 |
