| 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 | 4.6205% | 6,501 |
| Cost of funding earning assets | 1.2966% | 4,836 |
| Net interest margin | 3.3239% | 5,890 |
| Noninterest income to average assets | 0.7020% | 2,587 |
| Noninterest expense to average assets | 4.6440% | 492 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | -1.4040% | 7,292 |
| Return on assets (ROA) | -1.4040% | 7,306 |
| Pretax return on assets | -1.4040% | 7,225 |
| Return on Equity (ROE) | -15.3016% | 7,322 |
| Retained earnings to average equity (ytd only) | -15.3016% | 7,221 |
| Net charge-offs to loans | 1.6553% | 1,047 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | -1.9024% | 5,462 |
| Efficiency ratio | 143.3333% | 234 |
| Assets per employee ($millions) | 2.2218% | 7,525 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.3397% | 284 |
| Loan loss allowance to noncurrent loans | 110.0000% | 2,513 |
| Noncurrent assets plus other real estate owned to assets | 5.3110% | 1,179 |
| Noncurrent loans to loans | 3.9452% | 1,997 |
| Net loans and leases to total assets | 39.2880% | 7,287 |
| Net loans and leases to deposits | 43.8137% | 7,412 |
| Net loans and leases to core deposits | 43.8137% | 7,489 |
| Total domestic deposits to total assets | 89.6705% | 1,150 |
| Equity capital to assets | 9.0197% | 5,249 |
| Core capital (leverage) ratio | 6.8227% | 7,342 |
| Tier 1 risk-based capital ratio | 11.9123% | 5,289 |
| Total risk-based capital ratio | 13.1828% | 5,226 |
| Memoranda: |
| Average total assets | $22,222,000 | 7,674 |
| Average earning assets | $16,968,000 | 7,732 |
| Average equity | $2,039,000 | 7,743 |
| Average total loans | $9,907,500 | 7,656 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3593% | 4,896 |
| Cost of funding earning assets | 1.7957% | 4,014 |
| Net interest margin | 3.5636% | 4,678 |
| Noninterest income to average assets | 0.7923% | 2,444 |
| Noninterest expense to average assets | 4.8391% | 585 |
| Loan and lease loss provision to assets | 1.6826% | 1,359 |
| Net operating income to assets | -2.9989% | 7,390 |
| Return on assets (ROA) | -2.9989% | 7,404 |
| Pretax return on assets | -2.9989% | 7,289 |
| Return on Equity (ROE) | -32.9341% | 7,454 |
| Retained earnings to average equity (ytd only) | -32.9341% | 7,439 |
| Net charge-offs to loans | 3.0160% | 700 |
| Credit loss provision to net charge-offs | 115.4971% | 4,720 |
| Earnings coverage of net charge-offs (x) | -0.9035% | 6,861 |
| Efficiency ratio | 137.3640% | 404 |
| Assets per employee ($millions) | 2.2226% | 7,550 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.0879% | 339 |
| Loan loss allowance to noncurrent loans | 124.1477% | 2,281 |
| Noncurrent assets plus other real estate owned to assets | 5.7230% | 1,005 |
| Noncurrent loans to loans | 3.2928% | 2,320 |
| Net loans and leases to total assets | 46.1307% | 6,958 |
| Net loans and leases to deposits | 51.6862% | 7,163 |
| Net loans and leases to core deposits | 56.4189% | 7,392 |
| Total domestic deposits to total assets | 89.2513% | 1,359 |
| Equity capital to assets | 9.3314% | 4,665 |
| Core capital (leverage) ratio | 7.1179% | 7,141 |
| Tier 1 risk-based capital ratio | 11.3553% | 5,562 |
| Total risk-based capital ratio | 12.6300% | 5,488 |
| Memoranda: |
| Average total assets | $23,475,200 | 7,684 |
| Average earning assets | $17,987,400 | 7,760 |
| Average equity | $2,137,600 | 7,817 |
| Average total loans | $11,339,600 | 7,640 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4568% | 4,649 |
| Cost of funding earning assets | 1.8431% | 4,184 |
| Net interest margin | 3.6136% | 4,427 |
| Noninterest income to average assets | 0.8464% | 2,217 |
| Noninterest expense to average assets | 5.1118% | 451 |
| Loan and lease loss provision to assets | 2.2140% | 782 |
| Net operating income to assets | -3.6881% | 7,713 |
| Return on assets (ROA) | -3.6881% | 7,711 |
| Pretax return on assets | -3.6881% | 7,638 |
| Return on Equity (ROE) | -40.7388% | 7,757 |
| Retained earnings to average equity (ytd only) | -40.7388% | 7,752 |
| Net charge-offs to loans | 3.9992% | 352 |
| Credit loss provision to net charge-offs | 114.4928% | 4,434 |
| Earnings coverage of net charge-offs (x) | -0.7623% | 6,582 |
| Efficiency ratio | 140.5239% | 379 |
| Assets per employee ($millions) | 2.0894% | 7,727 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.7742% | 341 |
| Loan loss allowance to noncurrent loans | 136.9085% | 2,075 |
| Noncurrent assets plus other real estate owned to assets | 5.3822% | 1,075 |
| Noncurrent loans to loans | 2.7568% | 2,755 |
| Net loans and leases to total assets | 48.1443% | 6,940 |
| Net loans and leases to deposits | 54.0838% | 7,212 |
| Net loans and leases to core deposits | 59.2060% | 7,428 |
| Total domestic deposits to total assets | 89.0180% | 1,182 |
| Equity capital to assets | 9.3460% | 4,964 |
| Core capital (leverage) ratio | 7.1164% | 7,351 |
| Tier 1 risk-based capital ratio | 11.1969% | 5,760 |
| Total risk-based capital ratio | 12.4675% | 5,682 |
| Memoranda: |
| Average total assets | $23,787,500 | 7,748 |
| Average earning assets | $18,374,250 | 7,828 |
| Average equity | $2,153,500 | 7,890 |
| Average total loans | $11,502,000 | 7,703 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5232% | 4,492 |
| Cost of funding earning assets | 1.9053% | 4,231 |
| Net interest margin | 3.6179% | 4,289 |
| Noninterest income to average assets | 0.9145% | 1,921 |
| Noninterest expense to average assets | 5.1048% | 478 |
| Loan and lease loss provision to assets | 3.2840% | 445 |
| Net operating income to assets | -4.6642% | 7,911 |
| Return on assets (ROA) | -4.6642% | 7,906 |
| Pretax return on assets | -4.6642% | 7,827 |
| Return on Equity (ROE) | -52.0570% | 7,924 |
| Retained earnings to average equity (ytd only) | -52.0570% | 7,921 |
| Net charge-offs to loans | 5.8767% | 190 |
| Credit loss provision to net charge-offs | 116.8639% | 3,973 |
| Earnings coverage of net charge-offs (x) | -0.4911% | 6,072 |
| Efficiency ratio | 137.0536% | 460 |
| Assets per employee ($millions) | 2.1819% | 7,696 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.0664% | 246 |
| Loan loss allowance to noncurrent loans | 193.4211% | 1,564 |
| Noncurrent assets plus other real estate owned to assets | 4.7831% | 1,147 |
| Noncurrent loans to loans | 2.1024% | 3,378 |
| Net loans and leases to total assets | 43.3482% | 7,368 |
| Net loans and leases to deposits | 48.5896% | 7,541 |
| Net loans and leases to core deposits | 54.6142% | 7,642 |
| Total domestic deposits to total assets | 89.2129% | 1,161 |
| Equity capital to assets | 9.3579% | 4,796 |
| Core capital (leverage) ratio | 7.3072% | 7,236 |
| Tier 1 risk-based capital ratio | 12.1292% | 4,822 |
| Total risk-based capital ratio | 13.4045% | 4,704 |
| Memoranda: |
| Average total assets | $24,055,670 | 7,815 |
| Average earning assets | $18,684,670 | 7,891 |
| Average equity | $2,155,330 | 7,973 |
| Average total loans | $11,503,000 | 7,779 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.8382% | 3,103 |
| Cost of funding earning assets | 1.9532% | 4,364 |
| Net interest margin | 3.8850% | 3,111 |
| Noninterest income to average assets | 1.1294% | 1,156 |
| Noninterest expense to average assets | 5.6139% | 344 |
| Loan and lease loss provision to assets | 6.5606% | 107 |
| Net operating income to assets | -8.0389% | 8,148 |
| Return on assets (ROA) | -8.0389% | 8,138 |
| Pretax return on assets | -8.0389% | 8,115 |
| Return on Equity (ROE) | -91.7536% | 8,142 |
| Retained earnings to average equity (ytd only) | -91.7536% | 8,136 |
| Net charge-offs to loans | 10.9533% | 50 |
| Credit loss provision to net charge-offs | 121.9136% | 3,234 |
| Earnings coverage of net charge-offs (x) | -0.2747% | 5,171 |
| Efficiency ratio | 135.7430% | 450 |
| Assets per employee ($millions) | 2.1886% | 7,728 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.9773% | 227 |
| Loan loss allowance to noncurrent loans | 184.2105% | 1,790 |
| Noncurrent assets plus other real estate owned to assets | 4.9097% | 932 |
| Noncurrent loans to loans | 2.1591% | 3,040 |
| Net loans and leases to total assets | 45.6282% | 7,218 |
| Net loans and leases to deposits | 50.0638% | 7,489 |
| Net loans and leases to core deposits | 56.5334% | 7,594 |
| Total domestic deposits to total assets | 91.1402% | 368 |
| Equity capital to assets | 7.6677% | 7,207 |
| Core capital (leverage) ratio | 5.9943% | 8,006 |
| Tier 1 risk-based capital ratio | 9.7699% | 7,179 |
| Total risk-based capital ratio | 11.0445% | 7,050 |
| Memoranda: |
| Average total assets | $24,083,000 | 7,863 |
| Average earning assets | $18,636,000 | 7,941 |
| Average equity | $2,110,000 | 8,033 |
| Average total loans | $11,832,000 | 7,812 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.4525% | 3,181 |
| Cost of funding earning assets | 2.6031% | 3,670 |
| Net interest margin | 3.8494% | 3,798 |
| Noninterest income to average assets | 1.7355% | 451 |
| Noninterest expense to average assets | 4.7536% | 734 |
| Loan and lease loss provision to assets | 0.9127% | 1,634 |
| Net operating income to assets | 0.8025% | 3,427 |
| Return on assets (ROA) | 1.0060% | 2,416 |
| Pretax return on assets | -0.3665% | 6,515 |
| Return on Equity (ROE) | 13.6890% | 1,165 |
| Retained earnings to average equity (ytd only) | 13.6890% | 135 |
| Net charge-offs to loans | 2.8756% | 313 |
| Credit loss provision to net charge-offs | 59.8639% | 6,232 |
| Earnings coverage of net charge-offs (x) | 0.1497% | 6,159 |
| Efficiency ratio | 95.4198% | 1,190 |
| Assets per employee ($millions) | 2.1901% | 7,728 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.1414% | 385 |
| Loan loss allowance to noncurrent loans | 261.2245% | 1,533 |
| Noncurrent assets plus other real estate owned to assets | 5.4875% | 593 |
| Noncurrent loans to loans | 1.2026% | 4,108 |
| Net loans and leases to total assets | 49.1470% | 7,094 |
| Net loans and leases to deposits | 55.2729% | 7,371 |
| Net loans and leases to core deposits | 61.6346% | 7,519 |
| Total domestic deposits to total assets | 88.9170% | 1,079 |
| Equity capital to assets | 9.8543% | 4,215 |
| Core capital (leverage) ratio | 7.7967% | 6,805 |
| Tier 1 risk-based capital ratio | 12.3570% | 4,544 |
| Total risk-based capital ratio | 13.6245% | 4,427 |
| Memoranda: |
| Average total assets | $28,925,600 | 7,684 |
| Average earning assets | $24,393,600 | 7,769 |
| Average equity | $2,125,800 | 8,095 |
| Average total loans | $15,336,000 | 7,626 |
