| 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 | 3.8036% | 7,966 |
| Cost of funding earning assets | 3.7749% | 42 |
| Net interest margin | 0.0287% | 8,178 |
| Noninterest income to average assets | 0.0975% | 7,495 |
| Noninterest expense to average assets | 3.7324% | 1,775 |
| Loan and lease loss provision to assets | 0.7892% | 2,117 |
| Net operating income to assets | -4.3988% | 7,882 |
| Return on assets (ROA) | -4.3988% | 7,881 |
| Pretax return on assets | -4.3988% | 7,793 |
| Return on Equity (ROE) | -156.2126% | 8,129 |
| Retained earnings to average equity (ytd only) | -156.2126% | 8,127 |
| Net charge-offs to loans | 1.6884% | 1,124 |
| Credit loss provision to net charge-offs | 73.2342% | 5,358 |
| Earnings coverage of net charge-offs (x) | -3.3494% | 6,416 |
| Efficiency ratio | 3,038.0435% | 7 |
| Assets per employee ($millions) | 6.8899% | 809 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5318% | 3,022 |
| Loan loss allowance to noncurrent loans | 14.9138% | 7,364 |
| Noncurrent assets plus other real estate owned to assets | 17.7382% | 65 |
| Noncurrent loans to loans | 10.2714% | 332 |
| Net loans and leases to total assets | 62.9976% | 5,186 |
| Net loans and leases to deposits | 69.3103% | 6,063 |
| Net loans and leases to core deposits | 87.1298% | 5,798 |
| Total domestic deposits to total assets | 90.8921% | 495 |
| Equity capital to assets | 1.7797% | 8,150 |
| Core capital (leverage) ratio | 1.8353% | 8,149 |
| Tier 1 risk-based capital ratio | 2.5411% | 8,144 |
| Total risk-based capital ratio | 3.7911% | 8,146 |
| Memoranda: |
| Average total assets | $149,769,670 | 3,994 |
| Average earning assets | $132,346,670 | 4,096 |
| Average equity | $4,217,330 | 7,332 |
| Average total loans | $95,591,330 | 4,127 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0909% | 7,948 |
| Cost of funding earning assets | 3.8466% | 53 |
| Net interest margin | 0.2443% | 8,217 |
| Noninterest income to average assets | 0.0578% | 7,789 |
| Noninterest expense to average assets | 3.2828% | 2,714 |
| Loan and lease loss provision to assets | 0.3992% | 2,930 |
| Net operating income to assets | -3.4062% | 7,902 |
| Return on assets (ROA) | -3.4062% | 7,903 |
| Pretax return on assets | -3.4062% | 7,824 |
| Return on Equity (ROE) | -102.9672% | 8,155 |
| Retained earnings to average equity (ytd only) | -102.9672% | 8,152 |
| Net charge-offs to loans | 0.7085% | 1,769 |
| Credit loss provision to net charge-offs | 88.3721% | 4,037 |
| Earnings coverage of net charge-offs (x) | -6.6570% | 5,588 |
| Efficiency ratio | 1,190.4762% | 17 |
| Assets per employee ($millions) | 7.9801% | 508 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6616% | 2,264 |
| Loan loss allowance to noncurrent loans | 14.5144% | 7,415 |
| Noncurrent assets plus other real estate owned to assets | 16.1541% | 60 |
| Noncurrent loans to loans | 11.4480% | 198 |
| Net loans and leases to total assets | 62.9998% | 5,162 |
| Net loans and leases to deposits | 69.9342% | 5,984 |
| Net loans and leases to core deposits | 95.5602% | 5,017 |
| Total domestic deposits to total assets | 90.0845% | 761 |
| Equity capital to assets | 2.9402% | 8,201 |
| Core capital (leverage) ratio | 3.0451% | 8,205 |
| Tier 1 risk-based capital ratio | 4.3697% | 8,195 |
| Total risk-based capital ratio | 5.6195% | 8,193 |
| Memoranda: |
| Average total assets | $152,310,500 | 3,973 |
| Average earning assets | $135,911,500 | 4,037 |
| Average equity | $5,038,500 | 7,097 |
| Average total loans | $97,103,000 | 4,114 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1485% | 7,728 |
| Cost of funding earning assets | 3.9618% | 111 |
| Net interest margin | 1.1867% | 8,215 |
| Noninterest income to average assets | 0.1852% | 7,123 |
| Noninterest expense to average assets | 4.1793% | 1,169 |
| Loan and lease loss provision to assets | 2.0251% | 590 |
| Net operating income to assets | -4.9438% | 8,086 |
| Return on assets (ROA) | -4.8666% | 8,067 |
| Pretax return on assets | -4.8666% | 8,008 |
| Return on Equity (ROE) | -101.2941% | 8,277 |
| Retained earnings to average equity (ytd only) | -101.2941% | 8,273 |
| Net charge-offs to loans | 2.5593% | 367 |
| Credit loss provision to net charge-offs | 110.8866% | 4,864 |
| Earnings coverage of net charge-offs (x) | -1.5982% | 6,677 |
| Efficiency ratio | 331.5447% | 87 |
| Assets per employee ($millions) | 8.5000% | 399 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6843% | 1,954 |
| Loan loss allowance to noncurrent loans | 16.8696% | 7,345 |
| Noncurrent assets plus other real estate owned to assets | 15.1327% | 58 |
| Noncurrent loans to loans | 9.9844% | 212 |
| Net loans and leases to total assets | 62.3765% | 5,561 |
| Net loans and leases to deposits | 69.8300% | 6,287 |
| Net loans and leases to core deposits | 87.0100% | 6,062 |
| Total domestic deposits to total assets | 89.3261% | 908 |
| Equity capital to assets | 3.6725% | 8,261 |
| Core capital (leverage) ratio | 3.8686% | 8,261 |
| Tier 1 risk-based capital ratio | 5.6366% | 8,247 |
| Total risk-based capital ratio | 6.8863% | 8,248 |
| Memoranda: |
| Average total assets | $146,364,400 | 3,965 |
| Average earning assets | $132,640,800 | 3,996 |
| Average equity | $7,032,000 | 6,443 |
| Average total loans | $104,444,000 | 3,838 |
