| 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 | 5.0419% | 4,358 |
| Cost of funding earning assets | 1.5724% | 2,230 |
| Net interest margin | 3.4696% | 5,366 |
| Noninterest income to average assets | 0.4994% | 4,175 |
| Noninterest expense to average assets | 2.0006% | 7,024 |
| Loan and lease loss provision to assets | 0.1266% | 5,898 |
| Net operating income to assets | 1.3662% | 1,018 |
| Return on assets (ROA) | 1.3662% | 1,092 |
| Pretax return on assets | 1.4406% | 1,540 |
| Return on Equity (ROE) | 14.4767% | 800 |
| Retained earnings to average equity (ytd only) | 8.1819% | 920 |
| Net charge-offs to loans | 0.1144% | 5,735 |
| Credit loss provision to net charge-offs | 166.9725% | 2,040 |
| Earnings coverage of net charge-offs (x) | 20.6697% | 992 |
| Efficiency ratio | 53.5582% | 6,843 |
| Assets per employee ($millions) | 5.7859% | 1,369 |
| Cash dividends to net income (ytd only)* | 43.4827% | 2,427 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8666% | 6,807 |
| Loan loss allowance to noncurrent loans | 270.7641% | 1,139 |
| Noncurrent assets plus other real estate owned to assets | 0.5558% | 5,917 |
| Noncurrent loans to loans | 0.3200% | 6,413 |
| Net loans and leases to total assets | 64.4555% | 3,768 |
| Net loans and leases to deposits | 85.8847% | 2,125 |
| Net loans and leases to core deposits | 91.8452% | 2,520 |
| Total domestic deposits to total assets | 75.0489% | 6,762 |
| Equity capital to assets | 9.6255% | 4,244 |
| Core capital (leverage) ratio | 8.3012% | 5,687 |
| Tier 1 risk-based capital ratio | 11.4443% | 5,954 |
| Total risk-based capital ratio | 12.2159% | 6,326 |
| Memoranda: |
| Average total assets | $143,760,400 | 3,987 |
| Average earning assets | $127,134,400 | 4,081 |
| Average equity | $13,566,600 | 4,243 |
| Average total loans | $95,245,800 | 3,915 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0434% | 4,614 |
| Cost of funding earning assets | 1.5917% | 2,435 |
| Net interest margin | 3.4517% | 5,489 |
| Noninterest income to average assets | 0.4589% | 4,493 |
| Noninterest expense to average assets | 2.0157% | 7,023 |
| Loan and lease loss provision to assets | 0.1412% | 5,620 |
| Net operating income to assets | 1.2800% | 1,380 |
| Return on assets (ROA) | 1.2800% | 1,466 |
| Pretax return on assets | 1.3497% | 2,032 |
| Return on Equity (ROE) | 13.6323% | 1,114 |
| Retained earnings to average equity (ytd only) | 5.1838% | 2,855 |
| Net charge-offs to loans | 0.1507% | 5,101 |
| Credit loss provision to net charge-offs | 140.7407% | 2,819 |
| Earnings coverage of net charge-offs (x) | 14.8608% | 1,477 |
| Efficiency ratio | 54.9139% | 6,698 |
| Assets per employee ($millions) | 5.9180% | 1,291 |
| Cash dividends to net income (ytd only)* | 61.9739% | 1,178 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8133% | 6,977 |
| Loan loss allowance to noncurrent loans | 171.2418% | 1,673 |
| Noncurrent assets plus other real estate owned to assets | 0.6543% | 5,822 |
| Noncurrent loans to loans | 0.4750% | 6,243 |
| Net loans and leases to total assets | 64.7874% | 3,954 |
| Net loans and leases to deposits | 85.9098% | 2,363 |
| Net loans and leases to core deposits | 91.0709% | 2,943 |
| Total domestic deposits to total assets | 75.4133% | 6,756 |
| Equity capital to assets | 9.2619% | 5,205 |
| Core capital (leverage) ratio | 8.0659% | 6,252 |
| Tier 1 risk-based capital ratio | 10.5784% | 6,724 |
| Total risk-based capital ratio | 11.3034% | 7,023 |
| Memoranda: |
| Average total assets | $143,538,750 | 4,048 |
| Average earning assets | $126,737,000 | 4,140 |
| Average equity | $13,477,500 | 4,331 |
| Average total loans | $95,545,250 | 3,982 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0347% | 4,772 |
| Cost of funding earning assets | 1.6300% | 2,482 |
| Net interest margin | 3.4046% | 5,625 |
| Noninterest income to average assets | 0.4505% | 4,507 |
| Noninterest expense to average assets | 1.9737% | 7,150 |
| Loan and lease loss provision to assets | 0.0873% | 6,052 |
| Net operating income to assets | 1.3346% | 1,230 |
| Return on assets (ROA) | 1.3346% | 1,303 |
| Pretax return on assets | 1.4064% | 1,822 |
| Return on Equity (ROE) | 14.1468% | 1,016 |
| Retained earnings to average equity (ytd only) | 9.2820% | 1,023 |
| Net charge-offs to loans | -0.0021% | 7,072 |
| Credit loss provision to net charge-offs | -6,200.0000% | 7,049 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.2834% | 6,846 |
| Assets per employee ($millions) | 5.0089% | 2,178 |
| Cash dividends to net income (ytd only)* | 34.3882% | 2,344 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8446% | 6,926 |
| Loan loss allowance to noncurrent loans | 76.1589% | 3,557 |
| Noncurrent assets plus other real estate owned to assets | 0.7537% | 5,619 |
| Noncurrent loans to loans | 1.1090% | 5,105 |
| Net loans and leases to total assets | 67.3825% | 3,527 |
| Net loans and leases to deposits | 90.9514% | 1,697 |
| Net loans and leases to core deposits | 97.0177% | 2,330 |
| Total domestic deposits to total assets | 74.0863% | 6,962 |
| Equity capital to assets | 9.7697% | 4,313 |
| Core capital (leverage) ratio | 8.0997% | 6,117 |
| Tier 1 risk-based capital ratio | 10.9510% | 6,294 |
| Total risk-based capital ratio | 11.7152% | 6,694 |
| Memoranda: |
| Average total assets | $142,068,330 | 4,092 |
| Average earning assets | $125,887,330 | 4,186 |
| Average equity | $13,402,330 | 4,352 |
| Average total loans | $95,180,670 | 4,036 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9472% | 5,243 |
| Cost of funding earning assets | 1.6522% | 2,637 |
| Net interest margin | 3.2950% | 5,995 |
| Noninterest income to average assets | 0.4364% | 4,590 |
| Noninterest expense to average assets | 1.9584% | 7,234 |
| Loan and lease loss provision to assets | 0.0867% | 5,771 |
| Net operating income to assets | 1.2422% | 1,423 |
| Return on assets (ROA) | 1.2422% | 1,496 |
| Pretax return on assets | 1.3093% | 2,023 |
| Return on Equity (ROE) | 13.4012% | 1,170 |
| Retained earnings to average equity (ytd only) | 13.4012% | 571 |
| Net charge-offs to loans | -0.0042% | 6,804 |
| Credit loss provision to net charge-offs | -3,100.0000% | 6,590 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7131% | 6,809 |
| Assets per employee ($millions) | 5.5713% | 1,604 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8212% | 7,075 |
| Loan loss allowance to noncurrent loans | 70.2727% | 3,844 |
| Noncurrent assets plus other real estate owned to assets | 0.7594% | 5,633 |
| Noncurrent loans to loans | 1.1687% | 5,024 |
| Net loans and leases to total assets | 64.4460% | 4,234 |
| Net loans and leases to deposits | 86.2398% | 2,542 |
| Net loans and leases to core deposits | 91.6294% | 3,152 |
| Total domestic deposits to total assets | 74.7289% | 6,944 |
| Equity capital to assets | 9.3115% | 4,816 |
| Core capital (leverage) ratio | 8.1890% | 5,926 |
| Tier 1 risk-based capital ratio | 11.0037% | 6,148 |
| Total risk-based capital ratio | 11.7548% | 6,618 |
| Memoranda: |
| Average total assets | $142,977,500 | 4,140 |
| Average earning assets | $126,618,000 | 4,221 |
| Average equity | $13,252,500 | 4,420 |
| Average total loans | $95,116,500 | 4,098 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3297% | 5,027 |
| Cost of funding earning assets | 2.0859% | 2,537 |
| Net interest margin | 3.2438% | 5,948 |
| Noninterest income to average assets | 0.4869% | 4,512 |
| Noninterest expense to average assets | 2.0218% | 7,337 |
| Loan and lease loss provision to assets | 0.0902% | 6,706 |
| Net operating income to assets | 1.1729% | 1,319 |
| Return on assets (ROA) | 1.1729% | 1,363 |
| Pretax return on assets | 1.2363% | 1,856 |
| Return on Equity (ROE) | 12.6199% | 1,036 |
| Retained earnings to average equity (ytd only) | -2.4991% | 5,613 |
| Net charge-offs to loans | 0.0728% | 6,379 |
| Credit loss provision to net charge-offs | 183.8235% | 2,228 |
| Earnings coverage of net charge-offs (x) | 27.0441% | 835 |
| Efficiency ratio | 57.6045% | 6,819 |
| Assets per employee ($millions) | 5.4270% | 1,714 |
| Cash dividends to net income (ytd only)* | 119.8032% | 408 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7720% | 7,202 |
| Loan loss allowance to noncurrent loans | 94.5223% | 2,961 |
| Noncurrent assets plus other real estate owned to assets | 0.5563% | 6,061 |
| Noncurrent loans to loans | 0.8168% | 5,654 |
| Net loans and leases to total assets | 67.5866% | 3,802 |
| Net loans and leases to deposits | 90.9122% | 2,063 |
| Net loans and leases to core deposits | 106.1911% | 3,309 |
| Total domestic deposits to total assets | 74.3427% | 6,968 |
| Equity capital to assets | 9.2252% | 4,810 |
| Core capital (leverage) ratio | 7.8543% | 6,383 |
| Tier 1 risk-based capital ratio | 10.1177% | 6,778 |
| Total risk-based capital ratio | 10.8097% | 7,171 |
| Memoranda: |
| Average total assets | $138,636,200 | 4,150 |
| Average earning assets | $122,295,200 | 4,260 |
| Average equity | $12,884,400 | 4,539 |
| Average total loans | $93,371,200 | 4,121 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3416% | 5,215 |
| Cost of funding earning assets | 2.1415% | 2,704 |
| Net interest margin | 3.2001% | 6,023 |
| Noninterest income to average assets | 0.4994% | 4,485 |
| Noninterest expense to average assets | 2.1098% | 7,172 |
| Loan and lease loss provision to assets | 0.0908% | 6,462 |
| Net operating income to assets | 1.0646% | 1,848 |
| Return on assets (ROA) | 1.0646% | 1,903 |
| Pretax return on assets | 1.1225% | 2,495 |
| Return on Equity (ROE) | 11.4331% | 1,501 |
| Retained earnings to average equity (ytd only) | -8.7771% | 6,684 |
| Net charge-offs to loans | 0.0662% | 6,032 |
| Credit loss provision to net charge-offs | 204.3478% | 2,177 |
| Earnings coverage of net charge-offs (x) | 27.3051% | 996 |
| Efficiency ratio | 60.6686% | 6,327 |
| Assets per employee ($millions) | 5.2547% | 1,835 |
| Cash dividends to net income (ytd only)* | 176.7692% | 223 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7800% | 7,184 |
| Loan loss allowance to noncurrent loans | 77.4023% | 3,523 |
| Noncurrent assets plus other real estate owned to assets | 0.6936% | 5,751 |
| Noncurrent loans to loans | 1.0078% | 5,290 |
| Net loans and leases to total assets | 65.7168% | 4,484 |
| Net loans and leases to deposits | 87.9287% | 2,974 |
| Net loans and leases to core deposits | 102.1675% | 4,137 |
| Total domestic deposits to total assets | 74.7387% | 6,821 |
| Equity capital to assets | 8.8809% | 5,659 |
| Core capital (leverage) ratio | 7.5684% | 6,900 |
| Tier 1 risk-based capital ratio | 9.7707% | 7,163 |
| Total risk-based capital ratio | 10.4665% | 7,527 |
| Memoranda: |
| Average total assets | $138,019,750 | 4,186 |
| Average earning assets | $121,783,250 | 4,304 |
| Average equity | $12,851,250 | 4,571 |
| Average total loans | $92,687,000 | 4,183 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3897% | 5,200 |
| Cost of funding earning assets | 2.1754% | 2,909 |
| Net interest margin | 3.2143% | 5,863 |
| Noninterest income to average assets | 0.5368% | 4,136 |
| Noninterest expense to average assets | 2.1370% | 7,197 |
| Loan and lease loss provision to assets | 0.0907% | 6,263 |
| Net operating income to assets | 1.0912% | 1,805 |
| Return on assets (ROA) | 1.0912% | 1,877 |
| Pretax return on assets | 1.1511% | 2,460 |
| Return on Equity (ROE) | 11.5346% | 1,548 |
| Retained earnings to average equity (ytd only) | -13.3900% | 7,142 |
| Net charge-offs to loans | 0.0889% | 5,301 |
| Credit loss provision to net charge-offs | 151.2195% | 3,049 |
| Earnings coverage of net charge-offs (x) | 20.7073% | 1,301 |
| Efficiency ratio | 60.4329% | 6,474 |
| Assets per employee ($millions) | 4.8748% | 2,226 |
| Cash dividends to net income (ytd only)* | 216.0858% | 202 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7592% | 7,276 |
| Loan loss allowance to noncurrent loans | 78.0110% | 3,586 |
| Noncurrent assets plus other real estate owned to assets | 0.6938% | 5,675 |
| Noncurrent loans to loans | 0.9732% | 5,271 |
| Net loans and leases to total assets | 67.6145% | 4,232 |
| Net loans and leases to deposits | 91.5130% | 2,567 |
| Net loans and leases to core deposits | 107.5304% | 3,661 |
| Total domestic deposits to total assets | 73.8851% | 6,962 |
| Equity capital to assets | 9.0811% | 5,197 |
| Core capital (leverage) ratio | 7.4807% | 7,046 |
| Tier 1 risk-based capital ratio | 9.9592% | 6,977 |
| Total risk-based capital ratio | 10.6457% | 7,444 |
| Memoranda: |
| Average total assets | $136,734,000 | 4,241 |
| Average earning assets | $120,897,330 | 4,348 |
| Average equity | $12,935,000 | 4,562 |
| Average total loans | $92,259,330 | 4,222 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3207% | 5,807 |
| Cost of funding earning assets | 2.1421% | 3,455 |
| Net interest margin | 3.1786% | 5,930 |
| Noninterest income to average assets | 0.5203% | 4,129 |
| Noninterest expense to average assets | 2.2096% | 6,843 |
| Loan and lease loss provision to assets | 0.0906% | 5,798 |
| Net operating income to assets | 0.9967% | 2,326 |
| Return on assets (ROA) | 0.9967% | 2,461 |
| Pretax return on assets | 1.0522% | 3,167 |
| Return on Equity (ROE) | 10.3294% | 2,185 |
| Retained earnings to average equity (ytd only) | -7.8455% | 6,898 |
| Net charge-offs to loans | 0.0087% | 5,534 |
| Credit loss provision to net charge-offs | 1,550.0000% | 401 |
| Earnings coverage of net charge-offs (x) | 195.5000% | 215 |
| Efficiency ratio | 63.1212% | 5,850 |
| Assets per employee ($millions) | 5.1234% | 1,930 |
| Cash dividends to net income (ytd only)* | 175.9531% | 359 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7818% | 7,223 |
| Loan loss allowance to noncurrent loans | 73.2308% | 3,951 |
| Noncurrent assets plus other real estate owned to assets | 0.7410% | 5,311 |
| Noncurrent loans to loans | 1.0676% | 4,846 |
| Net loans and leases to total assets | 65.5043% | 4,703 |
| Net loans and leases to deposits | 89.2678% | 3,053 |
| Net loans and leases to core deposits | 104.3411% | 4,104 |
| Total domestic deposits to total assets | 73.3795% | 6,986 |
| Equity capital to assets | 9.4670% | 4,716 |
| Core capital (leverage) ratio | 8.0767% | 6,335 |
| Tier 1 risk-based capital ratio | 10.5582% | 6,335 |
| Total risk-based capital ratio | 11.2551% | 6,820 |
| Memoranda: |
| Average total assets | $136,854,500 | 4,254 |
| Average earning assets | $121,939,000 | 4,333 |
| Average equity | $13,205,000 | 4,534 |
| Average total loans | $91,891,500 | 4,262 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7258% | 6,693 |
| Cost of funding earning assets | 2.5032% | 4,190 |
| Net interest margin | 3.2226% | 6,295 |
| Noninterest income to average assets | 0.3788% | 5,655 |
| Noninterest expense to average assets | 1.8192% | 7,733 |
| Loan and lease loss provision to assets | 0.0028% | 7,315 |
| Net operating income to assets | 1.3995% | 1,233 |
| Return on assets (ROA) | 1.3995% | 1,184 |
| Pretax return on assets | 1.4751% | 1,751 |
| Return on Equity (ROE) | 15.4787% | 854 |
| Retained earnings to average equity (ytd only) | -1.8188% | 5,822 |
| Net charge-offs to loans | 0.1370% | 4,852 |
| Credit loss provision to net charge-offs | 3.3058% | 6,644 |
| Earnings coverage of net charge-offs (x) | 17.6033% | 1,757 |
| Efficiency ratio | 52.4621% | 7,435 |
| Assets per employee ($millions) | 5.0139% | 1,933 |
| Cash dividends to net income (ytd only)* | 111.7501% | 782 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7409% | 7,325 |
| Loan loss allowance to noncurrent loans | 67.9563% | 4,633 |
| Noncurrent assets plus other real estate owned to assets | 0.7815% | 4,893 |
| Noncurrent loans to loans | 1.0903% | 4,379 |
| Net loans and leases to total assets | 67.7890% | 4,493 |
| Net loans and leases to deposits | 95.7923% | 2,475 |
| Net loans and leases to core deposits | 112.7243% | 3,482 |
| Total domestic deposits to total assets | 70.7666% | 7,194 |
| Equity capital to assets | 9.8348% | 4,245 |
| Core capital (leverage) ratio | 7.8458% | 6,730 |
| Tier 1 risk-based capital ratio | 10.6818% | 6,017 |
| Total risk-based capital ratio | 11.3445% | 6,502 |
| Memoranda: |
| Average total assets | $144,125,800 | 4,003 |
| Average earning assets | $130,514,000 | 4,034 |
| Average equity | $13,030,800 | 4,566 |
| Average total loans | $88,323,400 | 4,281 |
