| 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 | 5.7070% | 3,304 |
| Cost of funding earning assets | 2.7996% | 598 |
| Net interest margin | 2.9073% | 6,843 |
| Noninterest income to average assets | -0.0826% | 7,917 |
| Noninterest expense to average assets | 2.8351% | 4,743 |
| Loan and lease loss provision to assets | 4.2717% | 249 |
| Net operating income to assets | -2.8454% | 7,557 |
| Return on assets (ROA) | -2.9378% | 7,573 |
| Pretax return on assets | -4.9358% | 7,800 |
| Return on Equity (ROE) | -28.9570% | 7,583 |
| Retained earnings to average equity (ytd only) | -28.9570% | 7,573 |
| Net charge-offs to loans | 3.5421% | 420 |
| Credit loss provision to net charge-offs | 162.2298% | 2,910 |
| Earnings coverage of net charge-offs (x) | -0.1974% | 6,289 |
| Efficiency ratio | 122.4520% | 554 |
| Assets per employee ($millions) | 11.2213% | 209 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.6759% | 365 |
| Loan loss allowance to noncurrent loans | 60.3781% | 4,341 |
| Noncurrent assets plus other real estate owned to assets | 7.1874% | 652 |
| Noncurrent loans to loans | 6.0881% | 961 |
| Net loans and leases to total assets | 59.2777% | 5,696 |
| Net loans and leases to deposits | 74.0446% | 5,358 |
| Net loans and leases to core deposits | 198.0397% | 107 |
| Total domestic deposits to total assets | 80.0568% | 5,411 |
| Equity capital to assets | 10.0237% | 4,060 |
| Core capital (leverage) ratio | 4.2339% | 7,967 |
| Tier 1 risk-based capital ratio | 5.4529% | 7,980 |
| Total risk-based capital ratio | 6.9213% | 7,974 |
| Memoranda: |
| Average total assets | $192,114,000 | 3,289 |
| Average earning assets | $158,445,500 | 3,571 |
| Average equity | $19,490,500 | 3,316 |
| Average total loans | $142,813,250 | 3,067 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.0595% | 1,947 |
| Cost of funding earning assets | 3.0356% | 421 |
| Net interest margin | 3.0238% | 6,478 |
| Noninterest income to average assets | 0.0022% | 7,933 |
| Noninterest expense to average assets | 2.9014% | 4,496 |
| Loan and lease loss provision to assets | 6.6024% | 110 |
| Net operating income to assets | -4.2851% | 7,867 |
| Return on assets (ROA) | -4.2629% | 7,858 |
| Pretax return on assets | -6.9774% | 8,026 |
| Return on Equity (ROE) | -41.8264% | 7,860 |
| Retained earnings to average equity (ytd only) | -41.8264% | 7,847 |
| Net charge-offs to loans | 4.2745% | 313 |
| Credit loss provision to net charge-offs | 194.8963% | 2,348 |
| Earnings coverage of net charge-offs (x) | -0.1209% | 5,814 |
| Efficiency ratio | 116.4354% | 732 |
| Assets per employee ($millions) | 9.2676% | 321 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.9733% | 267 |
| Loan loss allowance to noncurrent loans | 48.3246% | 5,127 |
| Noncurrent assets plus other real estate owned to assets | 8.3717% | 436 |
| Noncurrent loans to loans | 8.2222% | 523 |
| Net loans and leases to total assets | 70.8925% | 3,491 |
| Net loans and leases to deposits | 91.7060% | 2,523 |
| Net loans and leases to core deposits | 273.7956% | 48 |
| Total domestic deposits to total assets | 77.3041% | 6,255 |
| Equity capital to assets | 11.3450% | 2,635 |
| Core capital (leverage) ratio | 7.2583% | 7,294 |
| Tier 1 risk-based capital ratio | 8.6509% | 7,824 |
| Total risk-based capital ratio | 10.0143% | 7,843 |
| Memoranda: |
| Average total assets | $185,083,670 | 3,405 |
| Average earning assets | $152,389,330 | 3,697 |
| Average equity | $18,863,670 | 3,415 |
| Average total loans | $146,682,330 | 3,035 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.2290% | 1,506 |
| Cost of funding earning assets | 3.1353% | 413 |
| Net interest margin | 3.0937% | 6,218 |
| Noninterest income to average assets | 0.0368% | 7,894 |
| Noninterest expense to average assets | 2.9002% | 4,156 |
| Loan and lease loss provision to assets | 0.0973% | 5,713 |
| Net operating income to assets | -0.2419% | 6,608 |
| Return on assets (ROA) | -0.2336% | 6,676 |
| Pretax return on assets | -0.3785% | 6,732 |
| Return on Equity (ROE) | -2.4295% | 6,715 |
| Retained earnings to average equity (ytd only) | -2.4295% | 6,180 |
| Net charge-offs to loans | 0.0976% | 4,203 |
| Credit loss provision to net charge-offs | 121.6216% | 3,237 |
| Earnings coverage of net charge-offs (x) | -3.6757% | 5,531 |
| Efficiency ratio | 111.2863% | 781 |
| Assets per employee ($millions) | 8.6790% | 395 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6650% | 2,257 |
| Loan loss allowance to noncurrent loans | 23.9272% | 6,966 |
| Noncurrent assets plus other real estate owned to assets | 6.3261% | 603 |
| Noncurrent loans to loans | 6.9586% | 580 |
| Net loans and leases to total assets | 80.0390% | 1,383 |
| Net loans and leases to deposits | 101.3795% | 1,246 |
| Net loans and leases to core deposits | 301.5088% | 37 |
| Total domestic deposits to total assets | 78.9499% | 5,748 |
| Equity capital to assets | 9.5973% | 4,531 |
| Core capital (leverage) ratio | 7.9734% | 6,504 |
| Tier 1 risk-based capital ratio | 8.9303% | 7,827 |
| Total risk-based capital ratio | 10.2011% | 7,858 |
| Memoranda: |
| Average total assets | $184,950,000 | 3,430 |
| Average earning assets | $153,603,500 | 3,689 |
| Average equity | $17,781,500 | 3,600 |
| Average total loans | $151,605,000 | 2,979 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.6425% | 314 |
| Cost of funding earning assets | 3.3632% | 776 |
| Net interest margin | 4.2793% | 2,047 |
| Noninterest income to average assets | 0.2387% | 6,739 |
| Noninterest expense to average assets | 2.7185% | 5,182 |
| Loan and lease loss provision to assets | 0.6034% | 2,410 |
| Net operating income to assets | 0.6370% | 4,161 |
| Return on assets (ROA) | -3.6241% | 7,909 |
| Pretax return on assets | -6.0377% | 8,106 |
| Return on Equity (ROE) | -31.8187% | 7,987 |
| Retained earnings to average equity (ytd only) | -31.8187% | 7,943 |
| Net charge-offs to loans | 0.1890% | 4,295 |
| Credit loss provision to net charge-offs | 397.2125% | 1,109 |
| Earnings coverage of net charge-offs (x) | 8.0557% | 2,947 |
| Efficiency ratio | 68.9581% | 4,549 |
| Assets per employee ($millions) | 6.7014% | 811 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5898% | 2,289 |
| Loan loss allowance to noncurrent loans | 52.6068% | 5,373 |
| Noncurrent assets plus other real estate owned to assets | 3.1859% | 1,436 |
| Noncurrent loans to loans | 3.0221% | 1,772 |
| Net loans and leases to total assets | 81.2188% | 1,381 |
| Net loans and leases to deposits | 124.3809% | 299 |
| Net loans and leases to core deposits | 289.6714% | 50 |
| Total domestic deposits to total assets | 65.2984% | 7,699 |
| Equity capital to assets | 9.6307% | 4,509 |
| Core capital (leverage) ratio | 7.7989% | 6,802 |
| Tier 1 risk-based capital ratio | 8.9285% | 7,829 |
| Total risk-based capital ratio | 10.1820% | 7,840 |
| Memoranda: |
| Average total assets | $188,929,800 | 3,282 |
| Average earning assets | $163,506,200 | 3,424 |
| Average equity | $21,518,800 | 3,039 |
| Average total loans | $151,884,400 | 2,894 |
