| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6631% | 6,145 |
| Cost of funding earning assets | 0.7884% | 6,796 |
| Net interest margin | 3.8748% | 3,640 |
| Noninterest income to average assets | 0.6256% | 3,280 |
| Noninterest expense to average assets | 2.4123% | 5,993 |
| Loan and lease loss provision to assets | 0.3055% | 4,129 |
| Net operating income to assets | 0.9861% | 2,289 |
| Return on assets (ROA) | 0.9861% | 2,401 |
| Pretax return on assets | 1.5826% | 1,387 |
| Return on Equity (ROE) | 14.7860% | 897 |
| Retained earnings to average equity (ytd only) | 10.6641% | 653 |
| Net charge-offs to loans | 0.4153% | 3,629 |
| Credit loss provision to net charge-offs | 183.9243% | 1,973 |
| Earnings coverage of net charge-offs (x) | 11.3664% | 1,798 |
| Efficiency ratio | 56.0953% | 6,541 |
| Assets per employee ($millions) | 7.3636% | 665 |
| Cash dividends to net income (ytd only)* | 27.8773% | 2,630 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4359% | 1,423 |
| Loan loss allowance to noncurrent loans | 208.2702% | 1,400 |
| Noncurrent assets plus other real estate owned to assets | 0.6017% | 5,931 |
| Noncurrent loans to loans | 1.1696% | 4,912 |
| Net loans and leases to total assets | 36.6215% | 7,237 |
| Net loans and leases to deposits | 40.2474% | 7,362 |
| Net loans and leases to core deposits | 41.7066% | 7,386 |
| Total domestic deposits to total assets | 90.9910% | 456 |
| Equity capital to assets | 6.8351% | 7,376 |
| Core capital (leverage) ratio | 6.7224% | 7,279 |
| Tier 1 risk-based capital ratio | 13.4016% | 4,269 |
| Total risk-based capital ratio | 14.6605% | 4,229 |
| Memoranda: |
| Average total assets | $339,527,750 | 1,954 |
| Average earning assets | $322,006,750 | 1,868 |
| Average equity | $22,642,500 | 2,851 |
| Average total loans | $135,809,250 | 3,059 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8031% | 5,792 |
| Cost of funding earning assets | 0.8486% | 6,764 |
| Net interest margin | 3.9545% | 3,226 |
| Noninterest income to average assets | 0.6600% | 2,957 |
| Noninterest expense to average assets | 2.4240% | 6,000 |
| Loan and lease loss provision to assets | 0.5938% | 2,401 |
| Net operating income to assets | 0.8687% | 2,664 |
| Return on assets (ROA) | 0.8687% | 2,796 |
| Pretax return on assets | 1.3880% | 1,865 |
| Return on Equity (ROE) | 13.1456% | 1,203 |
| Retained earnings to average equity (ytd only) | 6.7731% | 1,938 |
| Net charge-offs to loans | 0.6003% | 2,728 |
| Credit loss provision to net charge-offs | 241.9118% | 1,587 |
| Earnings coverage of net charge-offs (x) | 8.0735% | 2,192 |
| Efficiency ratio | 55.0184% | 6,760 |
| Assets per employee ($millions) | 6.8010% | 839 |
| Cash dividends to net income (ytd only)* | 48.4765% | 1,757 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.6064% | 1,183 |
| Loan loss allowance to noncurrent loans | 111.0656% | 2,502 |
| Noncurrent assets plus other real estate owned to assets | 0.9518% | 5,231 |
| Noncurrent loans to loans | 2.3467% | 3,317 |
| Net loans and leases to total assets | 39.5034% | 7,197 |
| Net loans and leases to deposits | 42.6978% | 7,370 |
| Net loans and leases to core deposits | 44.6086% | 7,390 |
| Total domestic deposits to total assets | 92.5185% | 148 |
| Equity capital to assets | 6.9113% | 7,378 |
| Core capital (leverage) ratio | 6.4376% | 7,396 |
| Tier 1 risk-based capital ratio | 13.1340% | 4,335 |
| Total risk-based capital ratio | 14.3956% | 4,283 |
| Memoranda: |
| Average total assets | $332,432,000 | 2,001 |
| Average earning assets | $314,882,000 | 1,932 |
| Average equity | $21,969,330 | 2,922 |
| Average total loans | $135,934,000 | 3,085 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8549% | 5,665 |
| Cost of funding earning assets | 0.8944% | 6,792 |
| Net interest margin | 3.9605% | 3,052 |
| Noninterest income to average assets | 0.6518% | 2,925 |
| Noninterest expense to average assets | 2.4034% | 6,070 |
| Loan and lease loss provision to assets | 0.5554% | 2,281 |
| Net operating income to assets | 0.9144% | 2,492 |
| Return on assets (ROA) | 0.9144% | 2,560 |
| Pretax return on assets | 1.4433% | 1,657 |
| Return on Equity (ROE) | 14.1618% | 1,025 |
| Retained earnings to average equity (ytd only) | 1.1008% | 5,375 |
| Net charge-offs to loans | -0.0381% | 7,267 |
| Credit loss provision to net charge-offs | -3,546.1538% | 6,601 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.5977% | 6,918 |
| Assets per employee ($millions) | 6.8812% | 842 |
| Cash dividends to net income (ytd only)* | 92.2266% | 673 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4842% | 1,315 |
| Loan loss allowance to noncurrent loans | 174.8849% | 1,600 |
| Noncurrent assets plus other real estate owned to assets | 0.5919% | 6,032 |
| Noncurrent loans to loans | 1.4205% | 4,606 |
| Net loans and leases to total assets | 40.6339% | 7,208 |
| Net loans and leases to deposits | 43.7556% | 7,415 |
| Net loans and leases to core deposits | 45.5829% | 7,443 |
| Total domestic deposits to total assets | 92.8655% | 134 |
| Equity capital to assets | 6.6001% | 7,504 |
| Core capital (leverage) ratio | 6.2352% | 7,543 |
| Tier 1 risk-based capital ratio | 12.6582% | 4,595 |
| Total risk-based capital ratio | 13.9187% | 4,555 |
| Memoranda: |
| Average total assets | $332,023,000 | 2,053 |
| Average earning assets | $314,406,000 | 1,987 |
| Average equity | $21,438,000 | 3,014 |
| Average total loans | $136,317,000 | 3,139 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4578% | 4,401 |
| Cost of funding earning assets | 1.3418% | 6,170 |
| Net interest margin | 4.1160% | 2,383 |
| Noninterest income to average assets | 0.6640% | 3,198 |
| Noninterest expense to average assets | 2.5645% | 5,912 |
| Loan and lease loss provision to assets | 0.5428% | 3,658 |
| Net operating income to assets | 0.9645% | 1,967 |
| Return on assets (ROA) | 0.9647% | 2,016 |
| Pretax return on assets | 1.4537% | 1,307 |
| Return on Equity (ROE) | 14.4074% | 723 |
| Retained earnings to average equity (ytd only) | 6.4221% | 1,181 |
| Net charge-offs to loans | 0.4968% | 3,782 |
| Credit loss provision to net charge-offs | 256.5084% | 1,370 |
| Earnings coverage of net charge-offs (x) | 9.4334% | 1,797 |
| Efficiency ratio | 56.2313% | 6,985 |
| Assets per employee ($millions) | 6.8112% | 860 |
| Cash dividends to net income (ytd only)* | 55.4249% | 2,220 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1807% | 1,683 |
| Loan loss allowance to noncurrent loans | 159.8263% | 1,815 |
| Noncurrent assets plus other real estate owned to assets | 0.5519% | 6,069 |
| Noncurrent loans to loans | 1.3644% | 4,641 |
| Net loans and leases to total assets | 39.5682% | 7,372 |
| Net loans and leases to deposits | 42.4257% | 7,559 |
| Net loans and leases to core deposits | 51.9224% | 7,524 |
| Total domestic deposits to total assets | 93.2647% | 110 |
| Equity capital to assets | 6.3149% | 7,610 |
| Core capital (leverage) ratio | 6.4017% | 7,526 |
| Tier 1 risk-based capital ratio | 12.4063% | 4,589 |
| Total risk-based capital ratio | 13.6627% | 4,543 |
| Memoranda: |
| Average total assets | $308,601,400 | 2,170 |
| Average earning assets | $292,151,200 | 2,113 |
| Average equity | $20,663,000 | 3,113 |
| Average total loans | $131,434,600 | 3,241 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6277% | 3,706 |
| Cost of funding earning assets | 1.4236% | 6,138 |
| Net interest margin | 4.2041% | 2,046 |
| Noninterest income to average assets | 0.6514% | 3,341 |
| Noninterest expense to average assets | 2.6100% | 5,678 |
| Loan and lease loss provision to assets | 0.3952% | 3,943 |
| Net operating income to assets | 1.0291% | 1,968 |
| Return on assets (ROA) | 1.0294% | 2,030 |
| Pretax return on assets | 1.6256% | 1,124 |
| Return on Equity (ROE) | 15.1360% | 755 |
| Retained earnings to average equity (ytd only) | 10.9208% | 482 |
| Net charge-offs to loans | 0.2707% | 4,348 |
| Credit loss provision to net charge-offs | 338.1132% | 1,215 |
| Earnings coverage of net charge-offs (x) | 17.2870% | 1,415 |
| Efficiency ratio | 56.3673% | 6,951 |
| Assets per employee ($millions) | 6.2822% | 1,084 |
| Cash dividends to net income (ytd only)* | 27.8494% | 2,965 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8613% | 2,130 |
| Loan loss allowance to noncurrent loans | 270.6568% | 1,100 |
| Noncurrent assets plus other real estate owned to assets | 0.3067% | 6,722 |
| Noncurrent loans to loans | 0.6877% | 5,926 |
| Net loans and leases to total assets | 43.7643% | 7,259 |
| Net loans and leases to deposits | 47.1728% | 7,534 |
| Net loans and leases to core deposits | 59.3220% | 7,425 |
| Total domestic deposits to total assets | 92.7745% | 102 |
| Equity capital to assets | 6.9809% | 7,604 |
| Core capital (leverage) ratio | 6.8185% | 7,535 |
| Tier 1 risk-based capital ratio | 13.1259% | 4,105 |
| Total risk-based capital ratio | 14.3807% | 4,033 |
| Memoranda: |
| Average total assets | $302,314,750 | 2,213 |
| Average earning assets | $286,123,250 | 2,162 |
| Average equity | $20,559,750 | 3,164 |
| Average total loans | $130,542,750 | 3,294 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7347% | 3,368 |
| Cost of funding earning assets | 1.4913% | 6,175 |
| Net interest margin | 4.2434% | 1,837 |
| Noninterest income to average assets | 0.6283% | 3,478 |
| Noninterest expense to average assets | 2.6478% | 5,566 |
| Loan and lease loss provision to assets | 0.3614% | 3,758 |
| Net operating income to assets | 1.0386% | 1,979 |
| Return on assets (ROA) | 1.0390% | 2,055 |
| Pretax return on assets | 1.6294% | 1,151 |
| Return on Equity (ROE) | 15.4173% | 766 |
| Retained earnings to average equity (ytd only) | 8.9975% | 937 |
| Net charge-offs to loans | 0.1543% | 4,651 |
| Credit loss provision to net charge-offs | 548.4848% | 848 |
| Earnings coverage of net charge-offs (x) | 30.2020% | 992 |
| Efficiency ratio | 57.0896% | 6,977 |
| Assets per employee ($millions) | 5.8917% | 1,277 |
| Cash dividends to net income (ytd only)* | 41.6400% | 2,349 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8661% | 1,874 |
| Loan loss allowance to noncurrent loans | 1,741.1765% | 221 |
| Noncurrent assets plus other real estate owned to assets | 0.0444% | 7,489 |
| Noncurrent loans to loans | 0.1072% | 7,257 |
| Net loans and leases to total assets | 40.6471% | 7,516 |
| Net loans and leases to deposits | 43.9202% | 7,703 |
| Net loans and leases to core deposits | 55.0621% | 7,632 |
| Total domestic deposits to total assets | 92.5475% | 142 |
| Equity capital to assets | 6.8359% | 7,692 |
| Core capital (leverage) ratio | 6.7323% | 7,689 |
| Tier 1 risk-based capital ratio | 13.2907% | 3,943 |
| Total risk-based capital ratio | 14.5441% | 3,862 |
| Memoranda: |
| Average total assets | $300,477,670 | 2,257 |
| Average earning assets | $283,921,000 | 2,204 |
| Average equity | $20,250,000 | 3,203 |
| Average total loans | $128,299,330 | 3,372 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.8888% | 2,855 |
| Cost of funding earning assets | 1.5885% | 6,078 |
| Net interest margin | 4.3003% | 1,597 |
| Noninterest income to average assets | 0.6265% | 3,369 |
| Noninterest expense to average assets | 2.5059% | 5,823 |
| Loan and lease loss provision to assets | -0.1237% | 8,209 |
| Net operating income to assets | 1.4336% | 1,073 |
| Return on assets (ROA) | 1.4345% | 1,154 |
| Pretax return on assets | 2.2962% | 367 |
| Return on Equity (ROE) | 21.4435% | 333 |
| Retained earnings to average equity (ytd only) | 17.4241% | 252 |
| Net charge-offs to loans | 0.1550% | 3,719 |
| Credit loss provision to net charge-offs | -184.0000% | 6,262 |
| Earnings coverage of net charge-offs (x) | 32.3000% | 1,004 |
| Efficiency ratio | 53.5786% | 7,263 |
| Assets per employee ($millions) | 5.7689% | 1,344 |
| Cash dividends to net income (ytd only)* | 18.7441% | 2,580 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4078% | 3,457 |
| Loan loss allowance to noncurrent loans | 1,281.2950% | 333 |
| Noncurrent assets plus other real estate owned to assets | 0.0463% | 7,469 |
| Noncurrent loans to loans | 0.1099% | 7,214 |
| Net loans and leases to total assets | 41.5792% | 7,490 |
| Net loans and leases to deposits | 44.8316% | 7,698 |
| Net loans and leases to core deposits | 55.1622% | 7,648 |
| Total domestic deposits to total assets | 92.7452% | 102 |
| Equity capital to assets | 6.8697% | 7,739 |
| Core capital (leverage) ratio | 6.8458% | 7,732 |
| Tier 1 risk-based capital ratio | 13.2942% | 3,999 |
| Total risk-based capital ratio | 14.4951% | 3,945 |
| Memoranda: |
| Average total assets | $297,532,000 | 2,285 |
| Average earning assets | $280,260,000 | 2,237 |
| Average equity | $19,903,500 | 3,271 |
| Average total loans | $129,000,000 | 3,383 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.0724% | 5,190 |
| Cost of funding earning assets | 2.0344% | 6,305 |
| Net interest margin | 4.0380% | 2,947 |
| Noninterest income to average assets | 0.6466% | 3,495 |
| Noninterest expense to average assets | 2.2368% | 6,871 |
| Loan and lease loss provision to assets | 0.3319% | 3,738 |
| Net operating income to assets | 1.2472% | 1,636 |
| Return on assets (ROA) | 1.2886% | 1,468 |
| Pretax return on assets | 1.9976% | 608 |
| Return on Equity (ROE) | 20.4750% | 340 |
| Retained earnings to average equity (ytd only) | 11.3726% | 284 |
| Net charge-offs to loans | 0.2019% | 4,184 |
| Credit loss provision to net charge-offs | 389.3281% | 1,139 |
| Earnings coverage of net charge-offs (x) | 26.5771% | 1,279 |
| Efficiency ratio | 49.6782% | 7,683 |
| Assets per employee ($millions) | 6.4148% | 918 |
| Cash dividends to net income (ytd only)* | 44.4561% | 3,427 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4625% | 2,866 |
| Loan loss allowance to noncurrent loans | 4,690.2439% | 142 |
| Noncurrent assets plus other real estate owned to assets | 0.0139% | 7,555 |
| Noncurrent loans to loans | 0.0312% | 7,383 |
| Net loans and leases to total assets | 43.9085% | 7,475 |
| Net loans and leases to deposits | 52.6706% | 7,504 |
| Net loans and leases to core deposits | 61.0691% | 7,535 |
| Total domestic deposits to total assets | 83.3643% | 3,630 |
| Equity capital to assets | 6.5063% | 7,938 |
| Core capital (leverage) ratio | 6.3916% | 7,966 |
| Tier 1 risk-based capital ratio | 12.6260% | 4,350 |
| Total risk-based capital ratio | 13.8769% | 4,257 |
| Memoranda: |
| Average total assets | $296,761,200 | 2,222 |
| Average earning assets | $283,381,400 | 2,153 |
| Average equity | $18,676,400 | 3,448 |
| Average total loans | $125,325,200 | 3,341 |
