| 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 | 2.0832% | 8,119 |
| Cost of funding earning assets | 0.7529% | 7,870 |
| Net interest margin | 1.3302% | 8,055 |
| Noninterest income to average assets | -0.1348% | 8,049 |
| Noninterest expense to average assets | 1.4619% | 7,989 |
| Loan and lease loss provision to assets | 0.3733% | 3,692 |
| Net operating income to assets | -0.8709% | 6,881 |
| Return on assets (ROA) | -0.8709% | 6,889 |
| Pretax return on assets | -0.8709% | 6,730 |
| Return on Equity (ROE) | -6.7989% | 6,777 |
| Retained earnings to average equity (ytd only) | -6.7989% | 6,536 |
| Net charge-offs to loans | 0.8771% | 1,939 |
| Credit loss provision to net charge-offs | 59.0164% | 5,609 |
| Earnings coverage of net charge-offs (x) | -0.7869% | 6,171 |
| Efficiency ratio | 151.6129% | 362 |
| Assets per employee ($millions) | 3.0978% | 5,876 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.0000% | 8,113 |
| Loan loss allowance to noncurrent loans | 0.0000% | 7,563 |
| Noncurrent assets plus other real estate owned to assets | 2.7181% | 2,362 |
| Noncurrent loans to loans | 3.5506% | 1,972 |
| Net loans and leases to total assets | 76.5511% | 2,047 |
| Net loans and leases to deposits | 97.3082% | 1,627 |
| Net loans and leases to core deposits | 160.2297% | 447 |
| Total domestic deposits to total assets | 78.6687% | 5,906 |
| Equity capital to assets | 12.3830% | 1,984 |
| Core capital (leverage) ratio | 8.9022% | 4,779 |
| Tier 1 risk-based capital ratio | 13.8253% | 3,611 |
| Total risk-based capital ratio | 13.8253% | 4,382 |
| Memoranda: |
| Average total assets | $19,289,330 | 7,950 |
| Average earning assets | $15,937,330 | 7,976 |
| Average equity | $2,471,000 | 7,885 |
| Average total loans | $13,909,670 | 7,650 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.1459% | 1,779 |
| Cost of funding earning assets | 2.5100% | 1,883 |
| Net interest margin | 3.6359% | 4,159 |
| Noninterest income to average assets | 1.3780% | 749 |
| Noninterest expense to average assets | 6.9846% | 205 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | -2.7372% | 7,804 |
| Return on assets (ROA) | -2.7372% | 7,806 |
| Pretax return on assets | -2.6806% | 7,696 |
| Return on Equity (ROE) | -21.1101% | 7,779 |
| Retained earnings to average equity (ytd only) | -21.1101% | 7,679 |
| Net charge-offs to loans | 0.6160% | 1,939 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | -6.1739% | 5,582 |
| Efficiency ratio | 162.2807% | 296 |
| Assets per employee ($millions) | 3.5773% | 4,633 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.8322% | 564 |
| Loan loss allowance to noncurrent loans | 41.9741% | 5,743 |
| Noncurrent assets plus other real estate owned to assets | 4.6729% | 1,007 |
| Noncurrent loans to loans | 6.7474% | 617 |
| Net loans and leases to total assets | 67.2941% | 4,290 |
| Net loans and leases to deposits | 81.3517% | 4,400 |
| Net loans and leases to core deposits | 149.7564% | 716 |
| Total domestic deposits to total assets | 82.7199% | 4,278 |
| Equity capital to assets | 12.4581% | 1,999 |
| Core capital (leverage) ratio | 10.5024% | 2,922 |
| Tier 1 risk-based capital ratio | 15.8438% | 2,743 |
| Total risk-based capital ratio | 17.1142% | 2,679 |
| Memoranda: |
| Average total assets | $21,189,500 | 7,947 |
| Average earning assets | $17,052,000 | 7,992 |
| Average equity | $2,747,500 | 7,858 |
| Average total loans | $14,936,000 | 7,638 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.6018% | 2,488 |
| Cost of funding earning assets | 2.6282% | 3,540 |
| Net interest margin | 3.9736% | 3,248 |
| Noninterest income to average assets | 1.9514% | 360 |
| Noninterest expense to average assets | 6.3409% | 355 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | -0.8897% | 7,180 |
| Return on assets (ROA) | -0.8897% | 7,098 |
| Pretax return on assets | -1.2682% | 7,148 |
| Return on Equity (ROE) | -6.2878% | 6,985 |
| Retained earnings to average equity (ytd only) | -6.2878% | 6,697 |
| Net charge-offs to loans | 0.0553% | 5,991 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | -36.8571% | 6,972 |
| Efficiency ratio | 125.0000% | 514 |
| Assets per employee ($millions) | 2.6144% | 6,975 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.9586% | 453 |
| Loan loss allowance to noncurrent loans | 100.9091% | 3,423 |
| Noncurrent assets plus other real estate owned to assets | 3.3421% | 1,350 |
| Noncurrent loans to loans | 2.9320% | 1,833 |
| Net loans and leases to total assets | 69.6295% | 4,113 |
| Net loans and leases to deposits | 85.3684% | 4,201 |
| Net loans and leases to core deposits | 163.7948% | 509 |
| Total domestic deposits to total assets | 81.5635% | 4,383 |
| Equity capital to assets | 13.4879% | 1,599 |
| Core capital (leverage) ratio | 11.0040% | 2,589 |
| Tier 1 risk-based capital ratio | 13.6131% | 3,755 |
| Total risk-based capital ratio | 14.8819% | 3,649 |
| Memoranda: |
| Average total assets | $20,344,200 | 8,004 |
| Average earning assets | $15,980,600 | 8,071 |
| Average equity | $2,878,600 | 7,873 |
| Average total loans | $12,662,200 | 7,789 |
