| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4677% | 5,186 |
| Cost of funding earning assets | 1.1728% | 2,205 |
| Net interest margin | 3.2950% | 5,820 |
| Noninterest income to average assets | 0.7962% | 2,084 |
| Noninterest expense to average assets | 4.6984% | 490 |
| Loan and lease loss provision to assets | 1.0479% | 886 |
| Net operating income to assets | -2.2501% | 7,070 |
| Return on assets (ROA) | -2.1231% | 7,062 |
| Pretax return on assets | -2.1231% | 7,056 |
| Return on Equity (ROE) | -127.2010% | 7,332 |
| Retained earnings to average equity (ytd only) | -127.2010% | 7,332 |
| Net charge-offs to loans | 0.7440% | 2,292 |
| Credit loss provision to net charge-offs | 203.1735% | 1,224 |
| Earnings coverage of net charge-offs (x) | -2.3307% | 6,295 |
| Efficiency ratio | 134.3841% | 207 |
| Assets per employee ($millions) | 3.3158% | 5,462 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) |
| Loss allowance to loans | 5.1255% | 166 |
| Loan loss allowance to noncurrent loans | 29.3793% | 6,235 |
| Noncurrent assets plus other real estate owned to assets | 13.8162% | 162 |
| Noncurrent loans to loans | 17.4458% | 81 |
| Net loans and leases to total assets | 65.4923% | 2,881 |
| Net loans and leases to deposits | 66.0917% | 4,716 |
| Net loans and leases to core deposits | 67.7828% | 5,058 |
| Total domestic deposits to total assets | 99.0929% | 6 |
| Equity capital to assets | 0.3898% | 7,350 |
| Core capital (leverage) ratio | 0.3522% | 7,351 |
| Tier 1 risk-based capital ratio | 0.4460% | 7,351 |
| Total risk-based capital ratio | 0.8920% | 7,351 |
| Memoranda: |
| Average total assets | $274,925,000 | 2,302 |
| Average earning assets | $225,281,200 | 2,554 |
| Average equity | $4,588,800 | 6,561 |
| Average total loans | $190,585,600 | 2,126 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5410% | 5,116 |
| Cost of funding earning assets | 1.2050% | 2,289 |
| Net interest margin | 3.3360% | 5,752 |
| Noninterest income to average assets | 0.8019% | 2,050 |
| Noninterest expense to average assets | 4.4744% | 590 |
| Loan and lease loss provision to assets | 1.3809% | 533 |
| Net operating income to assets | -2.3079% | 7,192 |
| Return on assets (ROA) | -2.1406% | 7,168 |
| Pretax return on assets | -2.1406% | 7,146 |
| Return on Equity (ROE) | -108.6443% | 7,385 |
| Retained earnings to average equity (ytd only) | -108.6443% | 7,385 |
| Net charge-offs to loans | 0.9581% | 1,677 |
| Credit loss provision to net charge-offs | 207.7145% | 1,407 |
| Earnings coverage of net charge-offs (x) | -1.3944% | 5,976 |
| Efficiency ratio | 126.1316% | 256 |
| Assets per employee ($millions) | 3.2456% | 5,582 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) |
| Loss allowance to loans | 5.0168% | 183 |
| Loan loss allowance to noncurrent loans | 36.7738% | 5,838 |
| Noncurrent assets plus other real estate owned to assets | 11.0743% | 288 |
| Noncurrent loans to loans | 13.6424% | 179 |
| Net loans and leases to total assets | 64.5773% | 3,191 |
| Net loans and leases to deposits | 65.5057% | 4,971 |
| Net loans and leases to core deposits | 67.1228% | 5,292 |
| Total domestic deposits to total assets | 98.5827% | 4 |
| Equity capital to assets | 0.8888% | 7,425 |
| Core capital (leverage) ratio | 0.8455% | 7,424 |
| Tier 1 risk-based capital ratio | 1.0803% | 7,425 |
| Total risk-based capital ratio | 2.1606% | 7,425 |
| Memoranda: |
| Average total assets | $278,169,500 | 2,290 |
| Average earning assets | $228,928,500 | 2,528 |
| Average equity | $5,480,750 | 6,344 |
| Average total loans | $193,026,250 | 2,128 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7457% | 4,323 |
| Cost of funding earning assets | 1.2571% | 2,207 |
| Net interest margin | 3.4886% | 5,212 |
| Noninterest income to average assets | 0.7292% | 2,377 |
| Noninterest expense to average assets | 4.6012% | 533 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | -0.6059% | 6,763 |
| Return on assets (ROA) | -0.4793% | 6,698 |
| Pretax return on assets | -0.8078% | 6,826 |
| Return on Equity (ROE) | -20.6462% | 7,158 |
| Retained earnings to average equity (ytd only) | -20.6462% | 7,143 |
| Net charge-offs to loans | -1.1300% | 7,444 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 127.9698% | 273 |
| Assets per employee ($millions) | 3.4229% | 5,143 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.6510% | 242 |
| Loan loss allowance to noncurrent loans | 41.5908% | 5,543 |
| Noncurrent assets plus other real estate owned to assets | 9.8509% | 404 |
| Noncurrent loans to loans | 11.1827% | 305 |
| Net loans and leases to total assets | 65.0798% | 3,239 |
| Net loans and leases to deposits | 66.9391% | 4,861 |
| Net loans and leases to core deposits | 68.6715% | 5,223 |
| Total domestic deposits to total assets | 97.2224% | 18 |
| Equity capital to assets | 2.1961% | 7,469 |
| Core capital (leverage) ratio | 2.0487% | 7,472 |
| Tier 1 risk-based capital ratio | 2.5474% | 7,478 |
| Total risk-based capital ratio | 3.8315% | 7,478 |
| Memoranda: |
| Average total assets | $280,016,000 | 2,293 |
| Average earning assets | $230,061,330 | 2,525 |
| Average equity | $6,500,000 | 6,083 |
| Average total loans | $195,583,000 | 2,124 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8960% | 3,612 |
| Cost of funding earning assets | 1.3269% | 2,028 |
| Net interest margin | 3.5691% | 4,727 |
| Noninterest income to average assets | 0.5635% | 3,413 |
| Noninterest expense to average assets | 4.7668% | 443 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -0.7609% | 6,940 |
| Return on assets (ROA) | -0.7609% | 6,949 |
| Pretax return on assets | -1.2757% | 7,088 |
| Return on Equity (ROE) | -31.9136% | 7,332 |
| Retained earnings to average equity (ytd only) | -31.9136% | 7,307 |
| Net charge-offs to loans | 0.4292% | 2,410 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | -4.2075% | 5,016 |
| Efficiency ratio | 136.5424% | 224 |
| Assets per employee ($millions) | 3.3962% | 5,252 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.9020% | 447 |
| Loan loss allowance to noncurrent loans | 33.9929% | 6,023 |
| Noncurrent assets plus other real estate owned to assets | 9.5727% | 437 |
| Noncurrent loans to loans | 11.4788% | 309 |
| Net loans and leases to total assets | 66.3397% | 2,920 |
| Net loans and leases to deposits | 68.1123% | 4,668 |
| Net loans and leases to core deposits | 70.1116% | 5,030 |
| Total domestic deposits to total assets | 97.3975% | 14 |
| Equity capital to assets | 2.2566% | 7,516 |
| Core capital (leverage) ratio | 2.1359% | 7,523 |
| Tier 1 risk-based capital ratio | 2.6032% | 7,536 |
| Total risk-based capital ratio | 3.8791% | 7,537 |
| Memoranda: |
| Average total assets | $279,687,000 | 2,307 |
| Average earning assets | $229,412,500 | 2,551 |
| Average equity | $6,668,000 | 6,036 |
| Average total loans | $197,588,500 | 2,128 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9548% | 4,765 |
| Cost of funding earning assets | 1.6566% | 1,793 |
| Net interest margin | 3.2982% | 5,986 |
| Noninterest income to average assets | 0.6779% | 2,976 |
| Noninterest expense to average assets | 4.2833% | 829 |
| Loan and lease loss provision to assets | 4.4238% | 121 |
| Net operating income to assets | -5.2924% | 7,555 |
| Return on assets (ROA) | -5.2921% | 7,562 |
| Pretax return on assets | -5.2921% | 7,553 |
| Return on Equity (ROE) | -91.0491% | 7,579 |
| Retained earnings to average equity (ytd only) | -91.0491% | 7,579 |
| Net charge-offs to loans | 6.1266% | 93 |
| Credit loss provision to net charge-offs | 97.7390% | 4,745 |
| Earnings coverage of net charge-offs (x) | -0.1919% | 6,286 |
| Efficiency ratio | 125.4402% | 353 |
| Assets per employee ($millions) | 3.2266% | 5,608 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.8912% | 437 |
| Loan loss allowance to noncurrent loans | 48.9495% | 5,064 |
| Noncurrent assets plus other real estate owned to assets | 7.5141% | 690 |
| Noncurrent loans to loans | 7.9493% | 655 |
| Net loans and leases to total assets | 69.4721% | 2,671 |
| Net loans and leases to deposits | 71.4986% | 4,609 |
| Net loans and leases to core deposits | 74.1676% | 4,959 |
| Total domestic deposits to total assets | 97.1657% | 18 |
| Equity capital to assets | 2.5136% | 7,586 |
| Core capital (leverage) ratio | 2.0446% | 7,610 |
| Tier 1 risk-based capital ratio | 2.4656% | 7,615 |
| Total risk-based capital ratio | 3.7415% | 7,615 |
| Memoranda: |
| Average total assets | $296,083,000 | 2,174 |
| Average earning assets | $245,681,400 | 2,374 |
| Average equity | $17,209,400 | 3,552 |
| Average total loans | $218,735,800 | 1,979 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9970% | 4,827 |
| Cost of funding earning assets | 1.7023% | 1,869 |
| Net interest margin | 3.2947% | 6,035 |
| Noninterest income to average assets | 0.6810% | 2,937 |
| Noninterest expense to average assets | 4.0225% | 1,025 |
| Loan and lease loss provision to assets | 2.9465% | 303 |
| Net operating income to assets | -2.1683% | 7,279 |
| Return on assets (ROA) | -2.1680% | 7,292 |
| Pretax return on assets | -3.5486% | 7,503 |
| Return on Equity (ROE) | -32.9818% | 7,430 |
| Retained earnings to average equity (ytd only) | -32.9818% | 7,424 |
| Net charge-offs to loans | 5.0370% | 170 |
| Credit loss provision to net charge-offs | 78.7908% | 5,174 |
| Earnings coverage of net charge-offs (x) | -0.1611% | 6,152 |
| Efficiency ratio | 117.6173% | 419 |
| Assets per employee ($millions) | 3.2582% | 5,560 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.1725% | 717 |
| Loan loss allowance to noncurrent loans | 48.3309% | 5,074 |
| Noncurrent assets plus other real estate owned to assets | 6.3417% | 907 |
| Noncurrent loans to loans | 6.5641% | 904 |
| Net loans and leases to total assets | 72.5875% | 2,103 |
| Net loans and leases to deposits | 77.7002% | 3,881 |
| Net loans and leases to core deposits | 80.7896% | 4,410 |
| Total domestic deposits to total assets | 93.4201% | 80 |
| Equity capital to assets | 6.1987% | 7,465 |
| Core capital (leverage) ratio | 4.8621% | 7,558 |
| Tier 1 risk-based capital ratio | 5.4958% | 7,622 |
| Total risk-based capital ratio | 6.7635% | 7,623 |
| Memoranda: |
| Average total assets | $300,731,250 | 2,182 |
| Average earning assets | $250,012,500 | 2,373 |
| Average equity | $19,768,000 | 3,221 |
| Average total loans | $223,274,000 | 1,971 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9134% | 5,333 |
| Cost of funding earning assets | 1.7732% | 1,749 |
| Net interest margin | 3.1402% | 6,490 |
| Noninterest income to average assets | 0.5704% | 3,541 |
| Noninterest expense to average assets | 3.9816% | 1,067 |
| Loan and lease loss provision to assets | 4.6791% | 135 |
| Net operating income to assets | -3.3490% | 7,557 |
| Return on assets (ROA) | -3.3490% | 7,562 |
| Pretax return on assets | -5.4623% | 7,699 |
| Return on Equity (ROE) | -50.0563% | 7,610 |
| Retained earnings to average equity (ytd only) | -50.0563% | 7,605 |
| Net charge-offs to loans | 7.3205% | 80 |
| Credit loss provision to net charge-offs | 86.3548% | 4,538 |
| Earnings coverage of net charge-offs (x) | -0.1445% | 5,841 |
| Efficiency ratio | 124.4881% | 357 |
| Assets per employee ($millions) | 3.1817% | 5,721 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.2192% | 688 |
| Loan loss allowance to noncurrent loans | 50.9119% | 4,909 |
| Noncurrent assets plus other real estate owned to assets | 5.4320% | 1,142 |
| Noncurrent loans to loans | 6.3231% | 971 |
| Net loans and leases to total assets | 74.9363% | 1,708 |
| Net loans and leases to deposits | 80.2629% | 3,556 |
| Net loans and leases to core deposits | 84.3676% | 4,091 |
| Total domestic deposits to total assets | 93.3636% | 97 |
| Equity capital to assets | 6.2389% | 7,508 |
| Core capital (leverage) ratio | 4.6274% | 7,644 |
| Tier 1 risk-based capital ratio | 5.1708% | 7,688 |
| Total risk-based capital ratio | 6.4393% | 7,689 |
| Memoranda: |
| Average total assets | $305,401,670 | 2,171 |
| Average earning assets | $255,586,000 | 2,348 |
| Average equity | $20,433,000 | 3,119 |
| Average total loans | $226,051,330 | 1,977 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7674% | 6,009 |
| Cost of funding earning assets | 1.7854% | 1,935 |
| Net interest margin | 2.9821% | 6,868 |
| Noninterest income to average assets | 0.5508% | 3,647 |
| Noninterest expense to average assets | 3.9282% | 1,130 |
| Loan and lease loss provision to assets | 1.4901% | 785 |
| Net operating income to assets | -1.4159% | 7,299 |
| Return on assets (ROA) | -1.4159% | 7,311 |
| Pretax return on assets | -2.3514% | 7,488 |
| Return on Equity (ROE) | -20.5517% | 7,450 |
| Retained earnings to average equity (ytd only) | -20.5517% | 7,391 |
| Net charge-offs to loans | 0.8549% | 1,832 |
| Credit loss provision to net charge-offs | 240.3651% | 1,596 |
| Earnings coverage of net charge-offs (x) | -1.3895% | 5,422 |
| Efficiency ratio | 128.0853% | 353 |
| Assets per employee ($millions) | 3.4665% | 5,109 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.8345% | 425 |
| Loan loss allowance to noncurrent loans | 43.8947% | 5,435 |
| Noncurrent assets plus other real estate owned to assets | 7.0465% | 763 |
| Noncurrent loans to loans | 8.7357% | 576 |
| Net loans and leases to total assets | 70.7387% | 2,753 |
| Net loans and leases to deposits | 78.1655% | 4,012 |
| Net loans and leases to core deposits | 81.6375% | 4,541 |
| Total domestic deposits to total assets | 90.4986% | 741 |
| Equity capital to assets | 6.8478% | 7,428 |
| Core capital (leverage) ratio | 6.7379% | 7,378 |
| Tier 1 risk-based capital ratio | 7.7017% | 7,643 |
| Total risk-based capital ratio | 8.9768% | 7,650 |
| Memoranda: |
| Average total assets | $318,109,000 | 2,139 |
| Average earning assets | $268,405,000 | 2,291 |
| Average equity | $21,915,500 | 2,958 |
| Average total loans | $230,681,500 | 1,994 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4373% | 4,503 |
| Cost of funding earning assets | 2.2224% | 1,934 |
| Net interest margin | 3.2149% | 6,039 |
| Noninterest income to average assets | 1.5810% | 574 |
| Noninterest expense to average assets | 5.2267% | 453 |
| Loan and lease loss provision to assets | 2.3731% | 854 |
| Net operating income to assets | -4.3650% | 7,662 |
| Return on assets (ROA) | -4.1924% | 7,638 |
| Pretax return on assets | -3.1752% | 7,342 |
| Return on Equity (ROE) | -44.2643% | 7,620 |
| Retained earnings to average equity (ytd only) | -44.2643% | 7,609 |
| Net charge-offs to loans | 1.9175% | 1,290 |
| Credit loss provision to net charge-offs | 166.7736% | 2,595 |
| Earnings coverage of net charge-offs (x) | -0.6850% | 6,799 |
| Efficiency ratio | 122.7017% | 566 |
| Assets per employee ($millions) | 3.4130% | 5,228 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.4968% | 532 |
| Loan loss allowance to noncurrent loans | 60.6115% | 4,366 |
| Noncurrent assets plus other real estate owned to assets | 4.9819% | 1,236 |
| Noncurrent loans to loans | 5.7692% | 1,100 |
| Net loans and leases to total assets | 69.0124% | 3,487 |
| Net loans and leases to deposits | 76.2209% | 4,704 |
| Net loans and leases to core deposits | 107.9646% | 3,105 |
| Total domestic deposits to total assets | 90.5426% | 725 |
| Equity capital to assets | 6.9293% | 7,403 |
| Core capital (leverage) ratio | 6.7211% | 7,402 |
| Tier 1 risk-based capital ratio | 8.3142% | 7,613 |
| Total risk-based capital ratio | 9.5857% | 7,628 |
| Memoranda: |
| Average total assets | $350,466,600 | 1,942 |
| Average earning assets | $291,174,600 | 2,120 |
| Average equity | $33,193,800 | 2,020 |
| Average total loans | $260,076,400 | 1,833 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5741% | 4,009 |
| Cost of funding earning assets | 2.3074% | 1,956 |
| Net interest margin | 3.2667% | 5,767 |
| Noninterest income to average assets | 0.7379% | 2,773 |
| Noninterest expense to average assets | 3.9145% | 1,407 |
| Loan and lease loss provision to assets | 0.8496% | 2,255 |
| Net operating income to assets | -0.8014% | 6,692 |
| Return on assets (ROA) | -0.6573% | 6,580 |
| Pretax return on assets | -1.0972% | 6,758 |
| Return on Equity (ROE) | -6.5410% | 6,613 |
| Retained earnings to average equity (ytd only) | -6.5410% | 6,453 |
| Net charge-offs to loans | 1.0666% | 1,861 |
| Credit loss provision to net charge-offs | 106.4577% | 4,778 |
| Earnings coverage of net charge-offs (x) | -0.5924% | 6,515 |
| Efficiency ratio | 113.4332% | 708 |
| Assets per employee ($millions) | 3.3134% | 5,361 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9160% | 1,990 |
| Loan loss allowance to noncurrent loans | 32.3464% | 6,280 |
| Noncurrent assets plus other real estate owned to assets | 4.7949% | 1,238 |
| Noncurrent loans to loans | 5.9234% | 1,006 |
| Net loans and leases to total assets | 72.3350% | 2,946 |
| Net loans and leases to deposits | 83.5594% | 3,716 |
| Net loans and leases to core deposits | 123.3307% | 1,964 |
| Total domestic deposits to total assets | 86.5672% | 2,396 |
| Equity capital to assets | 10.1739% | 3,876 |
| Core capital (leverage) ratio | 9.3487% | 4,116 |
| Tier 1 risk-based capital ratio | 10.5696% | 6,391 |
| Total risk-based capital ratio | 11.8242% | 6,352 |
| Memoranda: |
| Average total assets | $357,025,000 | 1,919 |
| Average earning assets | $295,502,750 | 2,118 |
| Average equity | $35,875,500 | 1,896 |
| Average total loans | $267,128,250 | 1,811 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6078% | 4,037 |
| Cost of funding earning assets | 2.4220% | 1,872 |
| Net interest margin | 3.1859% | 5,964 |
| Noninterest income to average assets | 0.7615% | 2,642 |
| Noninterest expense to average assets | 3.8193% | 1,621 |
| Loan and lease loss provision to assets | 0.2222% | 4,812 |
| Net operating income to assets | -0.3876% | 6,436 |
| Return on assets (ROA) | -0.1800% | 6,179 |
| Pretax return on assets | -0.2916% | 6,229 |
| Return on Equity (ROE) | -1.7982% | 6,193 |
| Retained earnings to average equity (ytd only) | -1.7982% | 5,695 |
| Net charge-offs to loans | 0.9230% | 1,867 |
| Credit loss provision to net charge-offs | 32.0256% | 6,008 |
| Earnings coverage of net charge-offs (x) | -0.5677% | 6,110 |
| Efficiency ratio | 111.2048% | 820 |
| Assets per employee ($millions) | 3.4582% | 4,929 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4538% | 3,443 |
| Loan loss allowance to noncurrent loans | 46.9920% | 5,228 |
| Noncurrent assets plus other real estate owned to assets | 2.7652% | 2,331 |
| Noncurrent loans to loans | 3.0938% | 2,318 |
| Net loans and leases to total assets | 74.0510% | 2,680 |
| Net loans and leases to deposits | 84.8833% | 3,740 |
| Net loans and leases to core deposits | 130.6972% | 1,507 |
| Total domestic deposits to total assets | 87.2386% | 2,131 |
| Equity capital to assets | 10.1830% | 3,740 |
| Core capital (leverage) ratio | 9.4374% | 3,980 |
| Tier 1 risk-based capital ratio | 10.4185% | 6,457 |
| Total risk-based capital ratio | 11.6467% | 6,423 |
| Memoranda: |
| Average total assets | $360,063,670 | 1,928 |
| Average earning assets | $301,078,670 | 2,108 |
| Average equity | $36,035,330 | 1,894 |
| Average total loans | $270,645,670 | 1,817 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3132% | 5,841 |
| Cost of funding earning assets | 2.6400% | 1,449 |
| Net interest margin | 2.6731% | 7,260 |
| Noninterest income to average assets | 0.5729% | 3,737 |
| Noninterest expense to average assets | 3.2531% | 2,785 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | -0.3609% | 6,745 |
| Return on assets (ROA) | 0.1144% | 6,101 |
| Pretax return on assets | 0.1399% | 6,077 |
| Return on Equity (ROE) | 1.1527% | 6,082 |
| Retained earnings to average equity (ytd only) | 1.1527% | 5,180 |
| Net charge-offs to loans | 1.9037% | 758 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | -0.3072% | 5,185 |
| Efficiency ratio | 115.2723% | 707 |
| Assets per employee ($millions) | 3.5947% | 4,576 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2995% | 4,083 |
| Loan loss allowance to noncurrent loans | 90.4120% | 3,321 |
| Noncurrent assets plus other real estate owned to assets | 1.6144% | 3,500 |
| Noncurrent loans to loans | 1.4373% | 4,147 |
| Net loans and leases to total assets | 75.2249% | 2,446 |
| Net loans and leases to deposits | 86.2033% | 3,593 |
| Net loans and leases to core deposits | 129.3964% | 1,701 |
| Total domestic deposits to total assets | 87.2646% | 2,088 |
| Equity capital to assets | 10.1125% | 3,873 |
| Core capital (leverage) ratio | 9.0315% | 4,652 |
| Tier 1 risk-based capital ratio | 10.0157% | 6,896 |
| Total risk-based capital ratio | 11.1024% | 6,984 |
| Memoranda: |
| Average total assets | $360,271,500 | 1,928 |
| Average earning assets | $301,966,000 | 2,114 |
| Average equity | $35,741,500 | 1,913 |
| Average total loans | $270,842,500 | 1,830 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.2573% | 4,203 |
| Cost of funding earning assets | 3.2160% | 1,143 |
| Net interest margin | 3.0413% | 6,810 |
| Noninterest income to average assets | 0.4356% | 5,164 |
| Noninterest expense to average assets | 3.5998% | 2,145 |
| Loan and lease loss provision to assets | 0.9582% | 1,540 |
| Net operating income to assets | -0.8072% | 7,138 |
| Return on assets (ROA) | -0.7857% | 7,028 |
| Pretax return on assets | -1.5484% | 7,279 |
| Return on Equity (ROE) | -8.0561% | 7,131 |
| Retained earnings to average equity (ytd only) | -8.0561% | 6,893 |
| Net charge-offs to loans | 0.7931% | 1,569 |
| Credit loss provision to net charge-offs | 160.8227% | 3,209 |
| Earnings coverage of net charge-offs (x) | -1.0470% | 6,597 |
| Efficiency ratio | 120.5686% | 565 |
| Assets per employee ($millions) | 3.7578% | 4,043 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7489% | 1,771 |
| Loan loss allowance to noncurrent loans | 192.8168% | 2,006 |
| Noncurrent assets plus other real estate owned to assets | 0.9243% | 4,523 |
| Noncurrent loans to loans | 0.9070% | 4,811 |
| Net loans and leases to total assets | 72.8870% | 3,389 |
| Net loans and leases to deposits | 86.5164% | 4,032 |
| Net loans and leases to core deposits | 141.8115% | 1,169 |
| Total domestic deposits to total assets | 84.2464% | 3,205 |
| Equity capital to assets | 9.7373% | 4,383 |
| Core capital (leverage) ratio | 9.1897% | 4,459 |
| Tier 1 risk-based capital ratio | 9.7705% | 6,987 |
| Total risk-based capital ratio | 11.0231% | 6,878 |
| Memoranda: |
| Average total assets | $342,741,800 | 1,936 |
| Average earning assets | $286,291,400 | 2,126 |
| Average equity | $33,428,200 | 2,023 |
| Average total loans | $257,454,600 | 1,858 |
