| 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 | 4.0258% | 7,898 |
| Cost of funding earning assets | 3.0148% | 451 |
| Net interest margin | 1.0109% | 8,100 |
| Noninterest income to average assets | -12.4800% | 8,194 |
| Noninterest expense to average assets | 8.5606% | 147 |
| Loan and lease loss provision to assets | 24.0330% | 2 |
| Net operating income to assets | -44.2557% | 8,194 |
| Return on assets (ROA) | -44.1229% | 8,194 |
| Pretax return on assets | -44.1267% | 8,193 |
| Return on Equity (ROE) | -1,426.4924% | 8,192 |
| Retained earnings to average equity (ytd only) | -1,426.4924% | 8,192 |
| Net charge-offs to loans | 36.2048% | 4 |
| Credit loss provision to net charge-offs | 89.0305% | 4,953 |
| Earnings coverage of net charge-offs (x) | -0.7493% | 6,162 |
| Efficiency ratio | -73.3813% | 8,174 |
| Assets per employee ($millions) | 3.1006% | 5,866 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) |
| Loss allowance to loans | 25.1766% | 2 |
| Loan loss allowance to noncurrent loans | 67.8134% | 4,040 |
| Noncurrent assets plus other real estate owned to assets | 42.1895% | 5 |
| Noncurrent loans to loans | 37.1262% | 10 |
| Net loans and leases to total assets | 54.5128% | 6,381 |
| Net loans and leases to deposits | 49.4985% | 7,503 |
| Net loans and leases to core deposits | 57.1374% | 7,550 |
| Total domestic deposits to total assets | 110.1302% | 1 |
| Equity capital to assets | -11.7504% | 8,195 |
| Core capital (leverage) ratio | -9.5522% | 8,195 |
| Tier 1 risk-based capital ratio | -14.6917% | 8,195 |
| Total risk-based capital ratio | -14.6917% | 8,195 |
| Memoranda: |
| Average total assets | $262,131,330 | 2,518 |
| Average earning assets | $211,090,330 | 2,852 |
| Average equity | $8,108,000 | 5,982 |
| Average total loans | $195,443,670 | 2,394 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4782% | 8,095 |
| Cost of funding earning assets | 2.9079% | 755 |
| Net interest margin | 0.5703% | 8,198 |
| Noninterest income to average assets | -5.8254% | 8,243 |
| Noninterest expense to average assets | 7.2640% | 189 |
| Loan and lease loss provision to assets | 7.6004% | 78 |
| Net operating income to assets | -20.2241% | 8,222 |
| Return on assets (ROA) | -19.9823% | 8,216 |
| Pretax return on assets | -19.9823% | 8,213 |
| Return on Equity (ROE) | -234.2369% | 8,206 |
| Retained earnings to average equity (ytd only) | -234.2369% | 8,205 |
| Net charge-offs to loans | 19.6728% | 17 |
| Credit loss provision to net charge-offs | 51.3861% | 4,656 |
| Earnings coverage of net charge-offs (x) | -0.8535% | 5,335 |
| Efficiency ratio | -135.5290% | 8,234 |
| Assets per employee ($millions) | 3.6536% | 4,439 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 18.3762% | 4 |
| Loan loss allowance to noncurrent loans | 44.3182% | 5,568 |
| Noncurrent assets plus other real estate owned to assets | 43.6832% | 2 |
| Noncurrent loans to loans | 41.4642% | 8 |
| Net loans and leases to total assets | 59.7982% | 5,692 |
| Net loans and leases to deposits | 64.7840% | 6,483 |
| Net loans and leases to core deposits | 77.2014% | 6,595 |
| Total domestic deposits to total assets | 92.3039% | 141 |
| Equity capital to assets | 6.2919% | 7,936 |
| Core capital (leverage) ratio | 5.9006% | 8,021 |
| Tier 1 risk-based capital ratio | 7.2519% | 8,078 |
| Total risk-based capital ratio | 8.6825% | 8,077 |
| Memoranda: |
| Average total assets | $287,775,000 | 2,348 |
| Average earning assets | $234,946,500 | 2,588 |
| Average equity | $24,549,500 | 2,705 |
| Average total loans | $216,360,000 | 2,209 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2356% | 8,072 |
| Cost of funding earning assets | 3.0216% | 1,796 |
| Net interest margin | 1.2140% | 8,212 |
| Noninterest income to average assets | 2.7886% | 223 |
| Noninterest expense to average assets | 6.4724% | 336 |
| Loan and lease loss provision to assets | 17.2657% | 5 |
| Net operating income to assets | -19.8831% | 8,299 |
| Return on assets (ROA) | -22.2141% | 8,301 |
| Pretax return on assets | -22.2078% | 8,300 |
| Return on Equity (ROE) | -127.7734% | 8,290 |
| Retained earnings to average equity (ytd only) | -127.7734% | 8,288 |
| Net charge-offs to loans | 16.2673% | 3 |
| Credit loss provision to net charge-offs | 135.3915% | 3,939 |
| Earnings coverage of net charge-offs (x) | -0.2048% | 6,376 |
| Efficiency ratio | 165.9654% | 291 |
| Assets per employee ($millions) | 3.1689% | 5,566 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) |
| Loss allowance to loans | 18.5591% | 4 |
| Loan loss allowance to noncurrent loans | 45.1091% | 5,751 |
| Noncurrent assets plus other real estate owned to assets | 41.3961% | 3 |
| Noncurrent loans to loans | 41.1428% | 7 |
| Net loans and leases to total assets | 62.6902% | 5,512 |
| Net loans and leases to deposits | 71.8257% | 6,079 |
| Net loans and leases to core deposits | 86.3605% | 6,110 |
| Total domestic deposits to total assets | 87.2809% | 1,806 |
| Equity capital to assets | 10.6178% | 3,371 |
| Core capital (leverage) ratio | 10.0937% | 3,362 |
| Tier 1 risk-based capital ratio | 12.0705% | 4,768 |
| Total risk-based capital ratio | 13.5090% | 4,511 |
| Memoranda: |
| Average total assets | $365,632,200 | 1,834 |
| Average earning assets | $323,070,200 | 1,885 |
| Average equity | $63,567,200 | 1,051 |
| Average total loans | $286,629,600 | 1,690 |
