| 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 | 4.5345% | 6,718 |
| Cost of funding earning assets | 2.9704% | 51 |
| Net interest margin | 1.5641% | 7,821 |
| Noninterest income to average assets | 0.4429% | 4,541 |
| Noninterest expense to average assets | 2.3513% | 6,246 |
| Loan and lease loss provision to assets | 0.4212% | 2,850 |
| Net operating income to assets | -0.8649% | 7,047 |
| Return on assets (ROA) | -0.5917% | 6,925 |
| Pretax return on assets | -0.5652% | 6,827 |
| Return on Equity (ROE) | -14.9201% | 7,309 |
| Retained earnings to average equity (ytd only) | -14.9201% | 7,208 |
| Net charge-offs to loans | 0.8818% | 1,796 |
| Credit loss provision to net charge-offs | 78.1296% | 3,927 |
| Earnings coverage of net charge-offs (x) | -0.7739% | 5,345 |
| Efficiency ratio | 121.5706% | 428 |
| Assets per employee ($millions) | 5.5627% | 1,611 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1407% | 1,870 |
| Loan loss allowance to noncurrent loans | 10.8464% | 7,316 |
| Noncurrent assets plus other real estate owned to assets | 13.2385% | 200 |
| Noncurrent loans to loans | 19.7366% | 82 |
| Net loans and leases to total assets | 60.5777% | 5,025 |
| Net loans and leases to deposits | 79.8375% | 3,688 |
| Net loans and leases to core deposits | 222.0594% | 84 |
| Total domestic deposits to total assets | 75.8763% | 6,781 |
| Equity capital to assets | 4.1161% | 7,788 |
| Core capital (leverage) ratio | 4.4290% | 7,747 |
| Tier 1 risk-based capital ratio | 7.0217% | 7,695 |
| Total risk-based capital ratio | 8.2811% | 7,697 |
| Memoranda: |
| Average total assets | $2,507,240,500 | 294 |
| Average earning assets | $2,390,394,000 | 278 |
| Average equity | $99,436,500 | 667 |
| Average total loans | $1,532,810,500 | 316 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8538% | 6,830 |
| Cost of funding earning assets | 3.1819% | 134 |
| Net interest margin | 1.6719% | 7,839 |
| Noninterest income to average assets | 0.3533% | 5,574 |
| Noninterest expense to average assets | 2.0677% | 7,250 |
| Loan and lease loss provision to assets | 2.3141% | 879 |
| Net operating income to assets | -3.1686% | 7,441 |
| Return on assets (ROA) | -2.5597% | 7,283 |
| Pretax return on assets | -1.8294% | 6,872 |
| Return on Equity (ROE) | -46.7246% | 7,648 |
| Retained earnings to average equity (ytd only) | -46.8695% | 7,640 |
| Net charge-offs to loans | 3.5844% | 532 |
| Credit loss provision to net charge-offs | 107.0166% | 5,181 |
| Earnings coverage of net charge-offs (x) | -0.0574% | 6,278 |
| Efficiency ratio | 106.3907% | 896 |
| Assets per employee ($millions) | 5.6919% | 1,479 |
| Cash dividends to net income (ytd only)* | -0.3100% | 7,366 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1490% | 1,734 |
| Loan loss allowance to noncurrent loans | 13.2759% | 7,303 |
| Noncurrent assets plus other real estate owned to assets | 10.7626% | 318 |
| Noncurrent loans to loans | 16.1871% | 138 |
| Net loans and leases to total assets | 59.1023% | 5,476 |
| Net loans and leases to deposits | 76.8150% | 4,606 |
| Net loans and leases to core deposits | 97.5207% | 4,280 |
| Total domestic deposits to total assets | 76.9410% | 6,497 |
| Equity capital to assets | 3.8222% | 7,874 |
| Core capital (leverage) ratio | 4.2418% | 7,828 |
| Tier 1 risk-based capital ratio | 7.1256% | 7,735 |
| Total risk-based capital ratio | 8.3852% | 7,739 |
| Memoranda: |
| Average total assets | $2,772,828,400 | 267 |
| Average earning assets | $2,637,319,800 | 254 |
| Average equity | $151,900,600 | 448 |
| Average total loans | $1,672,771,600 | 309 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0200% | 6,546 |
| Cost of funding earning assets | 3.1820% | 199 |
| Net interest margin | 1.8380% | 7,874 |
| Noninterest income to average assets | 0.3492% | 5,706 |
| Noninterest expense to average assets | 2.0090% | 7,364 |
| Loan and lease loss provision to assets | 1.6979% | 1,093 |
| Net operating income to assets | -1.1731% | 6,945 |
| Return on assets (ROA) | -0.7177% | 6,637 |
| Pretax return on assets | -0.9870% | 6,677 |
| Return on Equity (ROE) | -12.2616% | 7,036 |
| Retained earnings to average equity (ytd only) | -12.4390% | 6,970 |
| Net charge-offs to loans | 2.8051% | 630 |
| Credit loss provision to net charge-offs | 100.3626% | 5,057 |
| Earnings coverage of net charge-offs (x) | 0.0515% | 6,000 |
| Efficiency ratio | 95.8424% | 1,285 |
| Assets per employee ($millions) | 6.2497% | 1,101 |
| Cash dividends to net income (ytd only)* | -1.4463% | 7,628 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8023% | 2,268 |
| Loan loss allowance to noncurrent loans | 14.9948% | 7,331 |
| Noncurrent assets plus other real estate owned to assets | 7.4280% | 610 |
| Noncurrent loans to loans | 12.0198% | 273 |
| Net loans and leases to total assets | 56.6345% | 6,076 |
| Net loans and leases to deposits | 73.8340% | 5,383 |
| Net loans and leases to core deposits | 91.0637% | 5,326 |
| Total domestic deposits to total assets | 76.7052% | 6,422 |
| Equity capital to assets | 5.6716% | 7,900 |
| Core capital (leverage) ratio | 5.4977% | 7,870 |
| Tier 1 risk-based capital ratio | 8.8086% | 7,680 |
| Total risk-based capital ratio | 10.0637% | 7,706 |
| Memoranda: |
| Average total assets | $2,825,699,750 | 270 |
| Average earning assets | $2,685,759,000 | 258 |
| Average equity | $165,401,000 | 424 |
| Average total loans | $1,704,200,000 | 315 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1687% | 6,196 |
| Cost of funding earning assets | 3.2154% | 254 |
| Net interest margin | 1.9533% | 7,885 |
| Noninterest income to average assets | 0.3303% | 5,866 |
| Noninterest expense to average assets | 2.0090% | 7,448 |
| Loan and lease loss provision to assets | 1.2990% | 1,318 |
| Net operating income to assets | -0.7612% | 6,801 |
| Return on assets (ROA) | -0.5653% | 6,623 |
| Pretax return on assets | -0.8336% | 6,700 |
| Return on Equity (ROE) | -9.5591% | 6,998 |
| Retained earnings to average equity (ytd only) | -9.8219% | 6,855 |
| Net charge-offs to loans | 2.1344% | 863 |
| Credit loss provision to net charge-offs | 99.4809% | 4,629 |
| Earnings coverage of net charge-offs (x) | 0.1358% | 5,532 |
| Efficiency ratio | 91.8895% | 1,644 |
| Assets per employee ($millions) | 6.1102% | 1,149 |
| Cash dividends to net income (ytd only)* | -2.7483% | 7,777 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7074% | 2,320 |
| Loan loss allowance to noncurrent loans | 15.5545% | 7,350 |
| Noncurrent assets plus other real estate owned to assets | 7.1737% | 578 |
| Noncurrent loans to loans | 10.9771% | 278 |
| Net loans and leases to total assets | 60.8679% | 5,541 |
| Net loans and leases to deposits | 80.1548% | 4,520 |
| Net loans and leases to core deposits | 93.1917% | 5,219 |
| Total domestic deposits to total assets | 75.9379% | 6,564 |
| Equity capital to assets | 5.8478% | 7,954 |
| Core capital (leverage) ratio | 5.6616% | 7,968 |
| Tier 1 risk-based capital ratio | 8.4567% | 7,851 |
| Total risk-based capital ratio | 9.7101% | 7,886 |
| Memoranda: |
| Average total assets | $2,832,225,000 | 278 |
| Average earning assets | $2,691,076,670 | 264 |
| Average equity | $167,483,670 | 426 |
| Average total loans | $1,732,799,000 | 322 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2792% | 5,986 |
| Cost of funding earning assets | 3.1979% | 346 |
| Net interest margin | 2.0812% | 7,860 |
| Noninterest income to average assets | 0.3599% | 5,561 |
| Noninterest expense to average assets | 1.7160% | 7,806 |
| Loan and lease loss provision to assets | 0.7902% | 1,630 |
| Net operating income to assets | 0.0094% | 6,234 |
| Return on assets (ROA) | 0.4580% | 4,800 |
| Pretax return on assets | 0.2845% | 5,717 |
| Return on Equity (ROE) | 7.7038% | 3,281 |
| Retained earnings to average equity (ytd only) | 7.1547% | 2,155 |
| Net charge-offs to loans | 1.3046% | 1,081 |
| Credit loss provision to net charge-offs | 99.5799% | 3,811 |
| Earnings coverage of net charge-offs (x) | 0.7891% | 4,395 |
| Efficiency ratio | 73.2653% | 3,958 |
| Assets per employee ($millions) | 6.3177% | 1,036 |
| Cash dividends to net income (ytd only)* | 7.1277% | 2,756 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6754% | 2,222 |
| Loan loss allowance to noncurrent loans | 19.8365% | 7,179 |
| Noncurrent assets plus other real estate owned to assets | 5.3789% | 804 |
| Noncurrent loans to loans | 8.4461% | 406 |
| Net loans and leases to total assets | 58.7212% | 5,843 |
| Net loans and leases to deposits | 77.0652% | 5,080 |
| Net loans and leases to core deposits | 88.7482% | 5,674 |
| Total domestic deposits to total assets | 76.1969% | 6,477 |
| Equity capital to assets | 5.7937% | 8,033 |
| Core capital (leverage) ratio | 6.4788% | 7,889 |
| Tier 1 risk-based capital ratio | 8.8881% | 7,851 |
| Total risk-based capital ratio | 10.1402% | 7,891 |
| Memoranda: |
| Average total assets | $2,879,649,000 | 276 |
| Average earning assets | $2,742,785,000 | 259 |
| Average equity | $171,187,500 | 418 |
| Average total loans | $1,751,635,000 | 318 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.9537% | 5,791 |
| Cost of funding earning assets | 3.7581% | 225 |
| Net interest margin | 2.1956% | 7,964 |
| Noninterest income to average assets | 0.3822% | 5,621 |
| Noninterest expense to average assets | 1.8002% | 7,754 |
| Loan and lease loss provision to assets | 1.5096% | 890 |
| Net operating income to assets | -0.3598% | 6,782 |
| Return on assets (ROA) | -0.3554% | 6,652 |
| Pretax return on assets | -0.8287% | 6,896 |
| Return on Equity (ROE) | -5.3612% | 6,898 |
| Retained earnings to average equity (ytd only) | -6.0866% | 6,675 |
| Net charge-offs to loans | 2.2749% | 451 |
| Credit loss provision to net charge-offs | 102.1781% | 5,207 |
| Earnings coverage of net charge-offs (x) | 0.4562% | 5,960 |
| Efficiency ratio | 72.7586% | 3,802 |
| Assets per employee ($millions) | 5.9080% | 1,187 |
| Cash dividends to net income (ytd only)* | -13.5301% | 7,889 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6393% | 2,099 |
| Loan loss allowance to noncurrent loans | 19.1406% | 7,273 |
| Noncurrent assets plus other real estate owned to assets | 5.6119% | 567 |
| Noncurrent loans to loans | 8.5644% | 301 |
| Net loans and leases to total assets | 60.9344% | 5,777 |
| Net loans and leases to deposits | 83.5748% | 4,487 |
| Net loans and leases to core deposits | 96.5056% | 5,208 |
| Total domestic deposits to total assets | 72.9100% | 6,846 |
| Equity capital to assets | 6.0979% | 8,046 |
| Core capital (leverage) ratio | 6.4705% | 7,945 |
| Tier 1 risk-based capital ratio | 8.8889% | 7,851 |
| Total risk-based capital ratio | 10.1413% | 7,880 |
| Memoranda: |
| Average total assets | $2,803,040,800 | 269 |
| Average earning assets | $2,670,759,400 | 257 |
| Average equity | $185,834,000 | 395 |
| Average total loans | $1,820,397,800 | 298 |
