| 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 | 4.4996% | 7,627 |
| Cost of funding earning assets | 2.0472% | 3,535 |
| Net interest margin | 2.4524% | 7,523 |
| Noninterest income to average assets | 0.6044% | 3,653 |
| Noninterest expense to average assets | 3.8984% | 1,490 |
| Loan and lease loss provision to assets | 19.9664% | 4 |
| Net operating income to assets | -20.9834% | 8,175 |
| Return on assets (ROA) | -20.9746% | 8,174 |
| Pretax return on assets | -20.9834% | 8,174 |
| Return on Equity (ROE) | -793.1627% | 8,188 |
| Retained earnings to average equity (ytd only) | -793.1627% | 8,188 |
| Net charge-offs to loans | 16.0588% | 22 |
| Credit loss provision to net charge-offs | 159.2015% | 2,886 |
| Earnings coverage of net charge-offs (x) | -0.0818% | 5,781 |
| Efficiency ratio | 135.7047% | 476 |
| Assets per employee ($millions) | 3.4401% | 4,975 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) |
| Loss allowance to loans | 6.2568% | 71 |
| Loan loss allowance to noncurrent loans | 24.9994% | 6,844 |
| Noncurrent assets plus other real estate owned to assets | 18.8346% | 50 |
| Noncurrent loans to loans | 25.0280% | 28 |
| Net loans and leases to total assets | 69.0409% | 3,934 |
| Net loans and leases to deposits | 69.2511% | 6,069 |
| Net loans and leases to core deposits | 113.5725% | 2,965 |
| Total domestic deposits to total assets | 99.6964% | 11 |
| Equity capital to assets | -0.5595% | 8,176 |
| Core capital (leverage) ratio | -0.6623% | 8,178 |
| Tier 1 risk-based capital ratio | -0.8839% | 8,178 |
| Total risk-based capital ratio | -1.7677% | 8,181 |
| Memoranda: |
| Average total assets | $206,497,000 | 3,147 |
| Average earning assets | $190,993,670 | 3,129 |
| Average equity | $5,460,670 | 6,913 |
| Average total loans | $161,269,670 | 2,792 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.7659% | 8,153 |
| Cost of funding earning assets | 2.1219% | 3,550 |
| Net interest margin | 0.6440% | 8,189 |
| Noninterest income to average assets | 0.6054% | 3,508 |
| Noninterest expense to average assets | 3.5406% | 2,001 |
| Loan and lease loss provision to assets | 40.2594% | 1 |
| Net operating income to assets | -42.5697% | 8,241 |
| Return on assets (ROA) | -42.5580% | 8,240 |
| Pretax return on assets | -42.5737% | 8,240 |
| Return on Equity (ROE) | -993.0280% | 8,244 |
| Retained earnings to average equity (ytd only) | -993.0280% | 8,244 |
| Net charge-offs to loans | 31.4623% | 4 |
| Credit loss provision to net charge-offs | 159.2015% | 2,658 |
| Earnings coverage of net charge-offs (x) | -0.0920% | 5,066 |
| Efficiency ratio | 291.4791% | 88 |
| Assets per employee ($millions) | 3.1502% | 5,738 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 6.1567% | 60 |
| Loan loss allowance to noncurrent loans | 47.7932% | 5,342 |
| Noncurrent assets plus other real estate owned to assets | 10.5964% | 195 |
| Noncurrent loans to loans | 12.8820% | 152 |
| Net loans and leases to total assets | 75.4663% | 2,398 |
| Net loans and leases to deposits | 75.6379% | 5,268 |
| Net loans and leases to core deposits | 118.4906% | 2,550 |
| Total domestic deposits to total assets | 99.7732% | 8 |
| Equity capital to assets | -0.6461% | 8,239 |
| Core capital (leverage) ratio | -0.7257% | 8,239 |
| Tier 1 risk-based capital ratio | -0.9653% | 8,239 |
| Total risk-based capital ratio | -0.9653% | 8,239 |
| Memoranda: |
| Average total assets | $204,821,500 | 3,186 |
| Average earning assets | $193,789,500 | 3,100 |
| Average equity | $8,778,000 | 5,781 |
| Average total loans | $164,629,000 | 2,775 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.4261% | 473 |
| Cost of funding earning assets | 2.4009% | 4,715 |
| Net interest margin | 5.0252% | 479 |
| Noninterest income to average assets | 0.7446% | 2,812 |
| Noninterest expense to average assets | 3.8701% | 1,620 |
| Loan and lease loss provision to assets | 1.0866% | 1,333 |
| Net operating income to assets | 0.5469% | 4,541 |
| Return on assets (ROA) | 0.5494% | 4,384 |
| Pretax return on assets | 0.5494% | 4,857 |
| Return on Equity (ROE) | 5.9126% | 3,977 |
| Retained earnings to average equity (ytd only) | -4.7478% | 6,469 |
| Net charge-offs to loans | 1.1089% | 1,091 |
| Credit loss provision to net charge-offs | 123.7755% | 4,330 |
| Earnings coverage of net charge-offs (x) | 1.8608% | 5,139 |
| Efficiency ratio | 70.3187% | 4,288 |
| Assets per employee ($millions) | 3.4021% | 4,935 |
| Cash dividends to net income (ytd only)* | 180.2990% | 362 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1638% | 4,822 |
| Loan loss allowance to noncurrent loans | 14.3153% | 7,417 |
| Noncurrent assets plus other real estate owned to assets | 6.7475% | 402 |
| Noncurrent loans to loans | 8.1298% | 323 |
| Net loans and leases to total assets | 79.4048% | 1,800 |
| Net loans and leases to deposits | 89.1280% | 3,616 |
| Net loans and leases to core deposits | 144.2203% | 1,084 |
| Total domestic deposits to total assets | 89.0908% | 1,007 |
| Equity capital to assets | 8.7798% | 5,687 |
| Core capital (leverage) ratio | 8.4026% | 5,758 |
| Tier 1 risk-based capital ratio | 9.9591% | 6,783 |
| Total risk-based capital ratio | 11.0562% | 6,843 |
| Memoranda: |
| Average total assets | $206,970,600 | 3,044 |
| Average earning assets | $196,010,400 | 2,940 |
| Average equity | $19,230,000 | 3,358 |
| Average total loans | $163,852,000 | 2,716 |
