| 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 | 5.0628% | 4,271 |
| Cost of funding earning assets | 1.0433% | 5,464 |
| Net interest margin | 4.0195% | 2,928 |
| Noninterest income to average assets | 0.8102% | 2,230 |
| Noninterest expense to average assets | 2.6229% | 5,323 |
| Loan and lease loss provision to assets | 0.3536% | 4,007 |
| Net operating income to assets | 1.4222% | 900 |
| Return on assets (ROA) | 1.4222% | 971 |
| Pretax return on assets | 1.4944% | 1,389 |
| Return on Equity (ROE) | 17.5479% | 419 |
| Retained earnings to average equity (ytd only) | 1.8971% | 4,541 |
| Net charge-offs to loans | 0.5438% | 3,429 |
| Credit loss provision to net charge-offs | 97.4576% | 4,758 |
| Earnings coverage of net charge-offs (x) | 5.0932% | 2,712 |
| Efficiency ratio | 58.6657% | 6,253 |
| Assets per employee ($millions) | 3.6656% | 4,532 |
| Cash dividends to net income (ytd only)* | 89.1892% | 595 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8999% | 6,724 |
| Loan loss allowance to noncurrent loans | 86.8815% | 3,292 |
| Noncurrent assets plus other real estate owned to assets | 0.8631% | 5,284 |
| Noncurrent loans to loans | 1.0358% | 4,999 |
| Net loans and leases to total assets | 63.0073% | 4,070 |
| Net loans and leases to deposits | 74.2068% | 4,162 |
| Net loans and leases to core deposits | 82.4377% | 3,832 |
| Total domestic deposits to total assets | 84.9077% | 3,907 |
| Equity capital to assets | 8.0425% | 6,452 |
| Core capital (leverage) ratio | 8.1430% | 5,921 |
| Tier 1 risk-based capital ratio | 11.1472% | 6,215 |
| Total risk-based capital ratio | 11.9397% | 6,547 |
| Memoranda: |
| Average total assets | $130,083,600 | 4,264 |
| Average earning assets | $118,471,600 | 4,263 |
| Average equity | $10,542,600 | 4,977 |
| Average total loans | $86,803,400 | 4,132 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0966% | 4,336 |
| Cost of funding earning assets | 1.0863% | 5,507 |
| Net interest margin | 4.0103% | 3,054 |
| Noninterest income to average assets | 0.7931% | 2,271 |
| Noninterest expense to average assets | 2.6889% | 4,926 |
| Loan and lease loss provision to assets | 0.3806% | 3,606 |
| Net operating income to assets | 1.3033% | 1,330 |
| Return on assets (ROA) | 1.3033% | 1,400 |
| Pretax return on assets | 1.3692% | 1,972 |
| Return on Equity (ROE) | 16.0503% | 696 |
| Retained earnings to average equity (ytd only) | -0.0380% | 5,794 |
| Net charge-offs to loans | 0.3519% | 3,895 |
| Credit loss provision to net charge-offs | 160.1732% | 2,364 |
| Earnings coverage of net charge-offs (x) | 7.3637% | 2,344 |
| Efficiency ratio | 60.5794% | 5,857 |
| Assets per employee ($millions) | 3.5182% | 4,936 |
| Cash dividends to net income (ytd only)* | 100.2368% | 347 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0512% | 6,158 |
| Loan loss allowance to noncurrent loans | 88.1323% | 3,106 |
| Noncurrent assets plus other real estate owned to assets | 1.0248% | 5,049 |
| Noncurrent loans to loans | 1.1928% | 4,857 |
| Net loans and leases to total assets | 67.3325% | 3,370 |
| Net loans and leases to deposits | 80.0616% | 3,436 |
| Net loans and leases to core deposits | 85.8820% | 3,671 |
| Total domestic deposits to total assets | 84.1009% | 4,059 |
| Equity capital to assets | 8.4971% | 6,277 |
| Core capital (leverage) ratio | 8.1140% | 6,176 |
| Tier 1 risk-based capital ratio | 10.9461% | 6,426 |
| Total risk-based capital ratio | 11.8992% | 6,664 |
| Memoranda: |
| Average total assets | $129,614,250 | 4,334 |
| Average earning assets | $117,827,250 | 4,338 |
| Average equity | $10,525,000 | 5,047 |
| Average total loans | $87,529,250 | 4,182 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0265% | 4,818 |
| Cost of funding earning assets | 1.1217% | 5,566 |
| Net interest margin | 3.9048% | 3,425 |
| Noninterest income to average assets | 0.7856% | 2,201 |
| Noninterest expense to average assets | 2.7213% | 4,830 |
| Loan and lease loss provision to assets | 0.4288% | 3,181 |
| Net operating income to assets | 1.1240% | 1,777 |
| Return on assets (ROA) | 1.1240% | 1,844 |
| Pretax return on assets | 1.1807% | 2,477 |
| Return on Equity (ROE) | 14.0532% | 1,031 |
| Retained earnings to average equity (ytd only) | -2.5081% | 6,230 |
| Net charge-offs to loans | 0.5092% | 3,004 |
| Credit loss provision to net charge-offs | 125.0000% | 3,227 |
| Earnings coverage of net charge-offs (x) | 4.6920% | 2,880 |
| Efficiency ratio | 62.8359% | 5,551 |
| Assets per employee ($millions) | 3.5968% | 4,706 |
| Cash dividends to net income (ytd only)* | 117.8474% | 302 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9494% | 6,597 |
| Loan loss allowance to noncurrent loans | 67.4038% | 3,967 |
| Noncurrent assets plus other real estate owned to assets | 1.1515% | 4,827 |
| Noncurrent loans to loans | 1.4085% | 4,595 |
| Net loans and leases to total assets | 66.3109% | 3,765 |
| Net loans and leases to deposits | 78.4802% | 3,887 |
| Net loans and leases to core deposits | 85.8938% | 3,848 |
| Total domestic deposits to total assets | 84.4938% | 3,874 |
| Equity capital to assets | 8.0512% | 6,698 |
| Core capital (leverage) ratio | 7.8318% | 6,462 |
| Tier 1 risk-based capital ratio | 10.6904% | 6,537 |
| Total risk-based capital ratio | 11.5455% | 6,822 |
| Memoranda: |
| Average total assets | $130,600,670 | 4,338 |
| Average earning assets | $118,571,000 | 4,350 |
| Average equity | $10,446,000 | 5,077 |
| Average total loans | $87,977,000 | 4,196 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0585% | 4,740 |
| Cost of funding earning assets | 1.1510% | 5,652 |
| Net interest margin | 3.9075% | 3,293 |
| Noninterest income to average assets | 0.7777% | 2,133 |
| Noninterest expense to average assets | 2.7509% | 4,689 |
| Loan and lease loss provision to assets | 0.2745% | 3,829 |
| Net operating income to assets | 1.2321% | 1,456 |
| Return on assets (ROA) | 1.2321% | 1,530 |
| Pretax return on assets | 1.2931% | 2,068 |
| Return on Equity (ROE) | 15.4545% | 807 |
| Retained earnings to average equity (ytd only) | 2.8308% | 4,437 |
| Net charge-offs to loans | 0.2347% | 3,527 |
| Credit loss provision to net charge-offs | 173.0769% | 2,098 |
| Earnings coverage of net charge-offs (x) | 9.8846% | 1,797 |
| Efficiency ratio | 63.7006% | 5,546 |
| Assets per employee ($millions) | 3.7028% | 4,569 |
| Cash dividends to net income (ytd only)* | 81.6832% | 817 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9399% | 6,706 |
| Loan loss allowance to noncurrent loans | 56.4821% | 4,568 |
| Noncurrent assets plus other real estate owned to assets | 1.1230% | 4,912 |
| Noncurrent loans to loans | 1.6641% | 4,251 |
| Net loans and leases to total assets | 63.7239% | 4,389 |
| Net loans and leases to deposits | 75.5286% | 4,493 |
| Net loans and leases to core deposits | 83.0147% | 4,338 |
| Total domestic deposits to total assets | 84.3706% | 3,966 |
| Equity capital to assets | 7.8672% | 6,792 |
| Core capital (leverage) ratio | 8.0368% | 6,184 |
| Tier 1 risk-based capital ratio | 11.0371% | 6,123 |
| Total risk-based capital ratio | 11.8849% | 6,496 |
| Memoranda: |
| Average total assets | $131,159,000 | 4,377 |
| Average earning assets | $118,849,500 | 4,406 |
| Average equity | $10,456,500 | 5,110 |
| Average total loans | $88,623,000 | 4,238 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4118% | 4,643 |
| Cost of funding earning assets | 1.5299% | 5,373 |
| Net interest margin | 3.8820% | 3,339 |
| Noninterest income to average assets | 0.7552% | 2,644 |
| Noninterest expense to average assets | 2.6556% | 5,574 |
| Loan and lease loss provision to assets | 0.2510% | 5,392 |
| Net operating income to assets | 1.3359% | 965 |
| Return on assets (ROA) | 1.3359% | 1,011 |
| Pretax return on assets | 1.4031% | 1,435 |
| Return on Equity (ROE) | 17.3862% | 418 |
| Retained earnings to average equity (ytd only) | 9.3464% | 446 |
| Net charge-offs to loans | 0.3066% | 4,713 |
| Credit loss provision to net charge-offs | 118.6131% | 4,540 |
| Earnings coverage of net charge-offs (x) | 7.8175% | 2,058 |
| Efficiency ratio | 61.6198% | 6,216 |
| Assets per employee ($millions) | 3.4870% | 5,031 |
| Cash dividends to net income (ytd only)* | 46.2428% | 2,649 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8394% | 7,016 |
| Loan loss allowance to noncurrent loans | 50.8273% | 4,974 |
| Noncurrent assets plus other real estate owned to assets | 1.2254% | 4,650 |
| Noncurrent loans to loans | 1.6514% | 4,174 |
| Net loans and leases to total assets | 70.3220% | 3,179 |
| Net loans and leases to deposits | 84.0059% | 3,272 |
| Net loans and leases to core deposits | 100.4584% | 3,948 |
| Total domestic deposits to total assets | 83.7108% | 4,172 |
| Equity capital to assets | 8.0810% | 6,488 |
| Core capital (leverage) ratio | 8.1481% | 5,909 |
| Tier 1 risk-based capital ratio | 10.0572% | 6,819 |
| Total risk-based capital ratio | 10.7986% | 7,177 |
| Memoranda: |
| Average total assets | $129,500,600 | 4,343 |
| Average earning assets | $118,573,600 | 4,336 |
| Average equity | $9,950,400 | 5,307 |
| Average total loans | $89,355,800 | 4,229 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4696% | 4,580 |
| Cost of funding earning assets | 1.6086% | 5,361 |
| Net interest margin | 3.8611% | 3,385 |
| Noninterest income to average assets | 0.7879% | 2,501 |
| Noninterest expense to average assets | 2.7392% | 5,151 |
| Loan and lease loss provision to assets | 0.2572% | 4,895 |
| Net operating income to assets | 1.2796% | 1,268 |
| Return on assets (ROA) | 1.2796% | 1,341 |
| Pretax return on assets | 1.3444% | 1,833 |
| Return on Equity (ROE) | 16.8706% | 559 |
| Retained earnings to average equity (ytd only) | 6.0214% | 1,939 |
| Net charge-offs to loans | 0.2027% | 4,779 |
| Credit loss provision to net charge-offs | 185.1852% | 2,459 |
| Earnings coverage of net charge-offs (x) | 11.5331% | 1,844 |
| Efficiency ratio | 63.1043% | 5,907 |
| Assets per employee ($millions) | 3.4385% | 5,079 |
| Cash dividends to net income (ytd only)* | 64.3085% | 1,449 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9425% | 6,584 |
| Loan loss allowance to noncurrent loans | 55.7641% | 4,623 |
| Noncurrent assets plus other real estate owned to assets | 1.2277% | 4,607 |
| Noncurrent loans to loans | 1.6901% | 4,108 |
| Net loans and leases to total assets | 68.7326% | 3,789 |
| Net loans and leases to deposits | 82.2632% | 3,965 |
| Net loans and leases to core deposits | 100.1730% | 4,354 |
| Total domestic deposits to total assets | 83.5520% | 3,928 |
| Equity capital to assets | 7.9741% | 6,871 |
| Core capital (leverage) ratio | 7.6877% | 6,746 |
| Tier 1 risk-based capital ratio | 10.1781% | 6,805 |
| Total risk-based capital ratio | 11.0306% | 7,120 |
| Memoranda: |
| Average total assets | $129,621,250 | 4,379 |
| Average earning assets | $119,273,500 | 4,361 |
| Average equity | $9,831,500 | 5,386 |
| Average total loans | $88,820,750 | 4,286 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4875% | 4,706 |
| Cost of funding earning assets | 1.7028% | 5,260 |
| Net interest margin | 3.7847% | 3,610 |
| Noninterest income to average assets | 0.8526% | 2,172 |
| Noninterest expense to average assets | 2.7864% | 5,017 |
| Loan and lease loss provision to assets | 0.2684% | 4,439 |
| Net operating income to assets | 1.2268% | 1,412 |
| Return on assets (ROA) | 1.2268% | 1,486 |
| Pretax return on assets | 1.2881% | 2,059 |
| Return on Equity (ROE) | 16.4491% | 652 |
| Retained earnings to average equity (ytd only) | 7.4021% | 1,434 |
| Net charge-offs to loans | 0.2944% | 3,717 |
| Credit loss provision to net charge-offs | 133.5878% | 3,490 |
| Earnings coverage of net charge-offs (x) | 7.7481% | 2,394 |
| Efficiency ratio | 64.1596% | 5,886 |
| Assets per employee ($millions) | 3.5822% | 4,619 |
| Cash dividends to net income (ytd only)* | 55.0000% | 1,854 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8564% | 6,953 |
| Loan loss allowance to noncurrent loans | 68.6823% | 3,995 |
| Noncurrent assets plus other real estate owned to assets | 1.0261% | 4,922 |
| Noncurrent loans to loans | 1.2468% | 4,713 |
| Net loans and leases to total assets | 66.4725% | 4,465 |
| Net loans and leases to deposits | 78.7515% | 4,742 |
| Net loans and leases to core deposits | 97.3267% | 4,757 |
| Total domestic deposits to total assets | 84.4080% | 3,553 |
| Equity capital to assets | 7.4067% | 7,346 |
| Core capital (leverage) ratio | 7.4884% | 7,034 |
| Tier 1 risk-based capital ratio | 10.1420% | 6,783 |
| Total risk-based capital ratio | 10.9255% | 7,196 |
| Memoranda: |
| Average total assets | $130,420,000 | 4,381 |
| Average earning assets | $120,272,330 | 4,358 |
| Average equity | $9,727,000 | 5,447 |
| Average total loans | $89,002,000 | 4,304 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5407% | 4,691 |
| Cost of funding earning assets | 1.8134% | 5,054 |
| Net interest margin | 3.7273% | 3,771 |
| Noninterest income to average assets | 1.0111% | 1,454 |
| Noninterest expense to average assets | 2.7860% | 4,612 |
| Loan and lease loss provision to assets | 0.3092% | 3,486 |
| Net operating income to assets | 1.2863% | 1,416 |
| Return on assets (ROA) | 1.2863% | 1,514 |
| Pretax return on assets | 1.3544% | 2,106 |
| Return on Equity (ROE) | 17.1865% | 668 |
| Retained earnings to average equity (ytd only) | 9.3369% | 1,390 |
| Net charge-offs to loans | 0.0763% | 4,416 |
| Credit loss provision to net charge-offs | 588.2353% | 966 |
| Earnings coverage of net charge-offs (x) | 31.6471% | 1,016 |
| Efficiency ratio | 62.6129% | 5,947 |
| Assets per employee ($millions) | 3.5827% | 4,613 |
| Cash dividends to net income (ytd only)* | 45.6731% | 1,903 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9002% | 6,751 |
| Loan loss allowance to noncurrent loans | 48.1638% | 5,315 |
| Noncurrent assets plus other real estate owned to assets | 1.3798% | 3,890 |
| Noncurrent loans to loans | 1.8691% | 3,462 |
| Net loans and leases to total assets | 66.4368% | 4,482 |
| Net loans and leases to deposits | 78.8010% | 4,800 |
| Net loans and leases to core deposits | 96.6113% | 4,888 |
| Total domestic deposits to total assets | 84.3096% | 3,554 |
| Equity capital to assets | 7.3937% | 7,427 |
| Core capital (leverage) ratio | 7.4075% | 7,269 |
| Tier 1 risk-based capital ratio | 9.9957% | 6,927 |
| Total risk-based capital ratio | 10.8187% | 7,305 |
| Memoranda: |
| Average total assets | $129,359,000 | 4,423 |
| Average earning assets | $119,334,500 | 4,405 |
| Average equity | $9,682,000 | 5,483 |
| Average total loans | $89,070,500 | 4,337 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.1264% | 4,915 |
| Cost of funding earning assets | 2.2866% | 5,221 |
| Net interest margin | 3.8398% | 3,838 |
| Noninterest income to average assets | 0.7570% | 2,745 |
| Noninterest expense to average assets | 2.5494% | 5,830 |
| Loan and lease loss provision to assets | 0.1487% | 5,455 |
| Net operating income to assets | 1.4926% | 1,038 |
| Return on assets (ROA) | 1.4926% | 998 |
| Pretax return on assets | 1.5681% | 1,488 |
| Return on Equity (ROE) | 19.8540% | 389 |
| Retained earnings to average equity (ytd only) | 1.9251% | 4,035 |
| Net charge-offs to loans | 0.3212% | 3,253 |
| Credit loss provision to net charge-offs | 68.2482% | 6,100 |
| Earnings coverage of net charge-offs (x) | 7.8796% | 3,008 |
| Efficiency ratio | 59.7577% | 6,391 |
| Assets per employee ($millions) | 3.4097% | 4,918 |
| Cash dividends to net income (ytd only)* | 90.3037% | 1,283 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8032% | 7,098 |
| Loan loss allowance to noncurrent loans | 154.1935% | 2,409 |
| Noncurrent assets plus other real estate owned to assets | 0.3686% | 6,132 |
| Noncurrent loans to loans | 0.5209% | 5,792 |
| Net loans and leases to total assets | 70.1940% | 3,973 |
| Net loans and leases to deposits | 85.2090% | 4,223 |
| Net loans and leases to core deposits | 99.2981% | 4,894 |
| Total domestic deposits to total assets | 82.3786% | 4,049 |
| Equity capital to assets | 7.5801% | 7,317 |
| Core capital (leverage) ratio | 7.4745% | 7,235 |
| Tier 1 risk-based capital ratio | 9.3875% | 7,419 |
| Total risk-based capital ratio | 10.0969% | 7,917 |
| Memoranda: |
| Average total assets | $125,756,800 | 4,378 |
| Average earning assets | $114,928,800 | 4,390 |
| Average equity | $9,454,000 | 5,583 |
| Average total loans | $85,300,600 | 4,354 |
