| 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 | 3.5917% | 7,680 |
| Cost of funding earning assets | 3.5544% | 12 |
| Net interest margin | 0.0373% | 7,924 |
| Noninterest income to average assets | -2.2697% | 7,925 |
| Noninterest expense to average assets | 3.8852% | 1,195 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | -6.1277% | 7,819 |
| Return on assets (ROA) | -6.1277% | 7,821 |
| Pretax return on assets | -6.1277% | 7,804 |
| Return on Equity (ROE) | -473.6458% | 7,919 |
| Retained earnings to average equity (ytd only) | -473.6458% | 7,919 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | -173.2471% | 7,926 |
| Assets per employee ($millions) | 6.4600% | 1,018 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.8991% | 904 |
| Loan loss allowance to noncurrent loans | 9.4819% | 7,344 |
| Noncurrent assets plus other real estate owned to assets | 36.1111% | 5 |
| Noncurrent loans to loans | 30.5751% | 20 |
| Net loans and leases to total assets | 53.4578% | 6,094 |
| Net loans and leases to deposits | 57.0798% | 6,691 |
| Net loans and leases to core deposits | 82.8745% | 4,367 |
| Total domestic deposits to total assets | 93.6545% | 81 |
| Equity capital to assets | 0.5631% | 7,913 |
| Core capital (leverage) ratio | 0.5132% | 7,914 |
| Tier 1 risk-based capital ratio | 0.6685% | 7,914 |
| Total risk-based capital ratio | 1.3369% | 7,914 |
| Memoranda: |
| Average total assets | $1,048,087,000 | 649 |
| Average earning assets | $760,639,500 | 828 |
| Average equity | $13,559,500 | 4,342 |
| Average total loans | $562,157,000 | 838 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7222% | 7,776 |
| Cost of funding earning assets | 3.3602% | 76 |
| Net interest margin | 0.3620% | 7,978 |
| Noninterest income to average assets | 0.2225% | 6,522 |
| Noninterest expense to average assets | 5.3623% | 419 |
| Loan and lease loss provision to assets | 8.3547% | 36 |
| Net operating income to assets | -9.4546% | 7,971 |
| Return on assets (ROA) | -9.4546% | 7,970 |
| Pretax return on assets | -13.1873% | 7,991 |
| Return on Equity (ROE) | -124.2374% | 7,971 |
| Retained earnings to average equity (ytd only) | -124.2374% | 7,971 |
| Net charge-offs to loans | 13.9329% | 12 |
| Credit loss provision to net charge-offs | 84.5352% | 6,172 |
| Earnings coverage of net charge-offs (x) | -0.4890% | 6,684 |
| Efficiency ratio | 1,012.1864% | 13 |
| Assets per employee ($millions) | 7.0972% | 768 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.6846% | 1,030 |
| Loan loss allowance to noncurrent loans | 8.2077% | 7,391 |
| Noncurrent assets plus other real estate owned to assets | 33.1343% | 9 |
| Noncurrent loans to loans | 32.7086% | 14 |
| Net loans and leases to total assets | 50.9811% | 6,532 |
| Net loans and leases to deposits | 55.6654% | 6,939 |
| Net loans and leases to core deposits | 67.3192% | 6,913 |
| Total domestic deposits to total assets | 91.5848% | 353 |
| Equity capital to assets | 1.9376% | 7,961 |
| Core capital (leverage) ratio | 1.7969% | 7,958 |
| Tier 1 risk-based capital ratio | 2.3179% | 7,963 |
| Total risk-based capital ratio | 3.5732% | 7,965 |
| Memoranda: |
| Average total assets | $1,263,931,800 | 535 |
| Average earning assets | $1,072,912,200 | 566 |
| Average equity | $96,186,800 | 683 |
| Average total loans | $896,552,600 | 533 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7975% | 7,868 |
| Cost of funding earning assets | 3.3107% | 133 |
| Net interest margin | 0.4868% | 8,056 |
| Noninterest income to average assets | 0.2343% | 6,547 |
| Noninterest expense to average assets | 3.6979% | 1,824 |
| Loan and lease loss provision to assets | 4.3338% | 243 |
| Net operating income to assets | -6.7972% | 7,971 |
| Return on assets (ROA) | -6.7972% | 7,970 |
| Pretax return on assets | -7.3748% | 7,976 |
| Return on Equity (ROE) | -77.0273% | 7,952 |
| Retained earnings to average equity (ytd only) | -77.0273% | 7,950 |
| Net charge-offs to loans | 2.1262% | 910 |
| Credit loss provision to net charge-offs | 272.1243% | 1,559 |
| Earnings coverage of net charge-offs (x) | -1.9095% | 6,734 |
| Efficiency ratio | 562.9855% | 29 |
| Assets per employee ($millions) | 7.9696% | 520 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) |
| Loss allowance to loans | 7.4380% | 37 |
| Loan loss allowance to noncurrent loans | 15.5972% | 7,303 |
| Noncurrent assets plus other real estate owned to assets | 42.8165% | 2 |
| Noncurrent loans to loans | 47.6879% | 4 |
| Net loans and leases to total assets | 63.0157% | 5,061 |
| Net loans and leases to deposits | 71.8843% | 5,673 |
| Net loans and leases to core deposits | 84.0686% | 6,034 |
| Total domestic deposits to total assets | 87.6627% | 1,822 |
| Equity capital to assets | 6.1307% | 7,832 |
| Core capital (leverage) ratio | 6.1923% | 7,764 |
| Tier 1 risk-based capital ratio | 7.6423% | 7,839 |
| Total risk-based capital ratio | 8.9549% | 7,839 |
| Memoranda: |
| Average total assets | $1,301,349,500 | 534 |
| Average earning assets | $1,129,531,000 | 548 |
| Average equity | $114,836,000 | 582 |
| Average total loans | $974,757,500 | 503 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0895% | 7,877 |
| Cost of funding earning assets | 3.3623% | 163 |
| Net interest margin | 0.7272% | 8,126 |
| Noninterest income to average assets | 0.2387% | 6,571 |
| Noninterest expense to average assets | 3.7634% | 1,717 |
| Loan and lease loss provision to assets | 2.5403% | 609 |
| Net operating income to assets | -4.6332% | 7,908 |
| Return on assets (ROA) | -4.6332% | 7,904 |
| Pretax return on assets | -5.4316% | 7,913 |
| Return on Equity (ROE) | -48.0201% | 7,903 |
| Retained earnings to average equity (ytd only) | -48.0201% | 7,897 |
| Net charge-offs to loans | 0.9643% | 1,809 |
| Credit loss provision to net charge-offs | 342.1736% | 1,354 |
| Earnings coverage of net charge-offs (x) | -3.8946% | 6,431 |
| Efficiency ratio | 431.5154% | 47 |
| Assets per employee ($millions) | 8.2154% | 464 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.9318% | 134 |
| Loan loss allowance to noncurrent loans | 11.1232% | 7,475 |
| Noncurrent assets plus other real estate owned to assets | 40.4361% | 6 |
| Noncurrent loans to loans | 44.3378% | 6 |
| Net loans and leases to total assets | 70.1438% | 3,672 |
| Net loans and leases to deposits | 82.6876% | 4,103 |
| Net loans and leases to core deposits | 93.4906% | 5,175 |
| Total domestic deposits to total assets | 84.8299% | 3,341 |
| Equity capital to assets | 8.5518% | 5,971 |
| Core capital (leverage) ratio | 8.6688% | 5,149 |
| Tier 1 risk-based capital ratio | 10.0985% | 6,823 |
| Total risk-based capital ratio | 11.3862% | 6,713 |
| Memoranda: |
| Average total assets | $1,328,680,670 | 533 |
| Average earning assets | $1,157,257,670 | 556 |
| Average equity | $128,196,330 | 542 |
| Average total loans | $1,022,966,330 | 500 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5374% | 7,679 |
| Cost of funding earning assets | 3.3863% | 208 |
| Net interest margin | 1.1510% | 8,141 |
| Noninterest income to average assets | 0.2469% | 6,482 |
| Noninterest expense to average assets | 3.1929% | 3,015 |
| Loan and lease loss provision to assets | 1.6693% | 744 |
| Net operating income to assets | -2.3808% | 7,744 |
| Return on assets (ROA) | -2.3808% | 7,746 |
| Pretax return on assets | -3.6122% | 7,855 |
| Return on Equity (ROE) | -23.4033% | 7,818 |
| Retained earnings to average equity (ytd only) | -23.4033% | 7,732 |
| Net charge-offs to loans | 0.0212% | 5,264 |
| Credit loss provision to net charge-offs | 10,046.4286% | 58 |
| Earnings coverage of net charge-offs (x) | -116.9286% | 5,712 |
| Efficiency ratio | 255.4237% | 121 |
| Assets per employee ($millions) | 9.3244% | 326 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.8777% | 243 |
| Loan loss allowance to noncurrent loans | 9.2313% | 7,519 |
| Noncurrent assets plus other real estate owned to assets | 39.2217% | 3 |
| Noncurrent loans to loans | 42.0065% | 6 |
| Net loans and leases to total assets | 73.3509% | 2,926 |
| Net loans and leases to deposits | 88.0452% | 3,280 |
| Net loans and leases to core deposits | 98.0131% | 4,746 |
| Total domestic deposits to total assets | 83.3104% | 3,995 |
| Equity capital to assets | 9.7126% | 4,362 |
| Core capital (leverage) ratio | 10.3643% | 3,056 |
| Tier 1 risk-based capital ratio | 11.1347% | 5,777 |
| Total risk-based capital ratio | 12.4113% | 5,668 |
| Memoranda: |
| Average total assets | $1,348,112,000 | 531 |
| Average earning assets | $1,174,956,500 | 549 |
| Average equity | $137,143,000 | 507 |
| Average total loans | $1,058,619,000 | 494 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 8.1055% | 169 |
| Cost of funding earning assets | 3.4433% | 618 |
| Net interest margin | 4.6623% | 1,039 |
| Noninterest income to average assets | 0.3560% | 5,882 |
| Noninterest expense to average assets | 2.7496% | 5,046 |
| Loan and lease loss provision to assets | 9.1715% | 13 |
| Net operating income to assets | -4.6873% | 8,063 |
| Return on assets (ROA) | -4.6873% | 8,050 |
| Pretax return on assets | -7.2069% | 8,169 |
| Return on Equity (ROE) | -30.5626% | 7,971 |
| Retained earnings to average equity (ytd only) | -34.6002% | 7,980 |
| Net charge-offs to loans | 8.1738% | 24 |
| Credit loss provision to net charge-offs | 124.8830% | 4,284 |
| Earnings coverage of net charge-offs (x) | 0.2675% | 6,068 |
| Efficiency ratio | 58.3253% | 6,639 |
| Assets per employee ($millions) | 8.7784% | 367 |
| Cash dividends to net income (ytd only)* | -13.2111% | 7,886 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.2662% | 347 |
| Loan loss allowance to noncurrent loans | 8.4009% | 7,521 |
| Noncurrent assets plus other real estate owned to assets | 38.9622% | 4 |
| Noncurrent loans to loans | 38.8793% | 9 |
| Net loans and leases to total assets | 78.1779% | 2,091 |
| Net loans and leases to deposits | 95.2384% | 2,571 |
| Net loans and leases to core deposits | 112.8753% | 3,461 |
| Total domestic deposits to total assets | 82.0866% | 4,166 |
| Equity capital to assets | 10.6490% | 3,347 |
| Core capital (leverage) ratio | 10.7178% | 2,802 |
| Tier 1 risk-based capital ratio | 11.6113% | 5,146 |
| Total risk-based capital ratio | 12.8815% | 5,014 |
| Memoranda: |
| Average total assets | $1,298,047,200 | 522 |
| Average earning assets | $1,213,404,200 | 512 |
| Average equity | $199,076,600 | 376 |
| Average total loans | $1,166,288,000 | 447 |
