| 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 | 14.2147% | 16 |
| Cost of funding earning assets | 2.2741% | 1,757 |
| Net interest margin | 11.9407% | 17 |
| Noninterest income to average assets | 16.8725% | 47 |
| Noninterest expense to average assets | 15.4256% | 61 |
| Loan and lease loss provision to assets | 5.6119% | 139 |
| Net operating income to assets | 3.4574% | 46 |
| Return on assets (ROA) | 3.4574% | 46 |
| Pretax return on assets | 5.8487% | 34 |
| Return on Equity (ROE) | 21.0007% | 200 |
| Retained earnings to average equity (ytd only) | 21.0007% | 34 |
| Net charge-offs to loans | 7.0104% | 119 |
| Credit loss provision to net charge-offs | 147.2967% | 3,195 |
| Earnings coverage of net charge-offs (x) | 3.0081% | 3,575 |
| Efficiency ratio | 53.3992% | 7,286 |
| Assets per employee ($millions) | 384.8140% | 11 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) |
| Loss allowance to loans | 26.8075% | 3 |
| Loan loss allowance to noncurrent loans | 660.9797% | 521 |
| Noncurrent assets plus other real estate owned to assets | 2.2959% | 3,009 |
| Noncurrent loans to loans | 4.0557% | 1,826 |
| Net loans and leases to total assets | 8.3290% | 7,939 |
| Net loans and leases to deposits | 11.2297% | 7,945 |
| Net loans and leases to core deposits | 73.8264% | 6,545 |
| Total domestic deposits to total assets | 74.1693% | 6,994 |
| Equity capital to assets | 20.7256% | 262 |
| Core capital (leverage) ratio | 17.0925% | 483 |
| Tier 1 risk-based capital ratio | 18.3285% | 1,801 |
| Total risk-based capital ratio | 19.9914% | 1,672 |
| Memoranda: |
| Average total assets | $398,566,000 | 1,723 |
| Average earning assets | $334,244,600 | 1,857 |
| Average equity | $65,616,800 | 1,008 |
| Average total loans | $216,607,800 | 2,133 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 13.6937% | 19 |
| Cost of funding earning assets | 2.4951% | 1,319 |
| Net interest margin | 11.1986% | 21 |
| Noninterest income to average assets | 9.7075% | 73 |
| Noninterest expense to average assets | 16.2416% | 59 |
| Loan and lease loss provision to assets | 6.4250% | 89 |
| Net operating income to assets | -2.1973% | 7,383 |
| Return on assets (ROA) | -2.1973% | 7,377 |
| Pretax return on assets | -3.5780% | 7,623 |
| Return on Equity (ROE) | -14.2281% | 7,147 |
| Retained earnings to average equity (ytd only) | -14.2281% | 7,086 |
| Net charge-offs to loans | 5.9575% | 152 |
| Credit loss provision to net charge-offs | 166.8705% | 2,809 |
| Earnings coverage of net charge-offs (x) | 0.7394% | 5,301 |
| Efficiency ratio | 79.3846% | 2,940 |
| Assets per employee ($millions) | 470.2880% | 11 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) |
| Loss allowance to loans | 15.7451% | 4 |
| Loan loss allowance to noncurrent loans | 192.8647% | 1,522 |
| Noncurrent assets plus other real estate owned to assets | 3.8946% | 1,648 |
| Noncurrent loans to loans | 8.1638% | 586 |
| Net loans and leases to total assets | 24.8199% | 7,887 |
| Net loans and leases to deposits | 29.5194% | 7,916 |
| Net loans and leases to core deposits | 199.8100% | 100 |
| Total domestic deposits to total assets | 84.0800% | 3,690 |
| Equity capital to assets | 12.6199% | 1,874 |
| Core capital (leverage) ratio | 15.1461% | 828 |
| Tier 1 risk-based capital ratio | 10.3532% | 6,619 |
| Total risk-based capital ratio | 11.7716% | 6,402 |
| Memoranda: |
| Average total assets | $402,004,000 | 1,721 |
| Average earning assets | $336,758,500 | 1,861 |
| Average equity | $62,082,250 | 1,080 |
| Average total loans | $259,812,250 | 1,858 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 14.7127% | 15 |
| Cost of funding earning assets | 2.8345% | 723 |
| Net interest margin | 11.8782% | 19 |
| Noninterest income to average assets | 11.4792% | 67 |
| Noninterest expense to average assets | 17.8487% | 63 |
| Loan and lease loss provision to assets | 10.1270% | 31 |
| Net operating income to assets | -4.0301% | 7,836 |
| Return on assets (ROA) | -4.0301% | 7,831 |
| Pretax return on assets | -6.5341% | 7,985 |
| Return on Equity (ROE) | -24.2630% | 7,614 |
| Retained earnings to average equity (ytd only) | -24.2630% | 7,578 |
| Net charge-offs to loans | 6.1978% | 165 |
| Credit loss provision to net charge-offs | 206.3951% | 2,213 |
| Earnings coverage of net charge-offs (x) | 0.7323% | 4,989 |
| Efficiency ratio | 77.7116% | 3,391 |
| Assets per employee ($millions) | 185.1800% | 18 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) |
| Loss allowance to loans | 8.1237% | 32 |
| Loan loss allowance to noncurrent loans | 342.6180% | 919 |
| Noncurrent assets plus other real estate owned to assets | 1.9106% | 3,326 |
| Noncurrent loans to loans | 2.3711% | 3,053 |
| Net loans and leases to total assets | 73.1332% | 2,926 |
| Net loans and leases to deposits | 91.3108% | 2,596 |
| Net loans and leases to core deposits | 461.9672% | 25 |
| Total domestic deposits to total assets | 80.0926% | 5,439 |
| Equity capital to assets | 15.7504% | 872 |
| Core capital (leverage) ratio | 16.4483% | 686 |
| Tier 1 risk-based capital ratio | 14.1967% | 3,402 |
| Total risk-based capital ratio | 15.7565% | 3,184 |
| Memoranda: |
| Average total assets | $379,242,670 | 1,830 |
| Average earning assets | $318,078,670 | 2,000 |
| Average equity | $62,993,000 | 1,082 |
| Average total loans | $300,237,000 | 1,647 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 15.4086% | 14 |
| Cost of funding earning assets | 3.1123% | 445 |
| Net interest margin | 12.2963% | 15 |
| Noninterest income to average assets | 12.2121% | 59 |
| Noninterest expense to average assets | 17.5363% | 60 |
| Loan and lease loss provision to assets | 7.3227% | 85 |
| Net operating income to assets | -1.3595% | 7,443 |
| Return on assets (ROA) | -1.3595% | 7,456 |
| Pretax return on assets | -2.2592% | 7,606 |
| Return on Equity (ROE) | -7.9849% | 7,238 |
| Retained earnings to average equity (ytd only) | -7.9849% | 6,914 |
| Net charge-offs to loans | 5.1718% | 202 |
| Credit loss provision to net charge-offs | 179.3209% | 2,422 |
| Earnings coverage of net charge-offs (x) | 1.2400% | 4,129 |
| Efficiency ratio | 72.2945% | 4,138 |
| Assets per employee ($millions) | 187.6620% | 18 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 5.6852% | 74 |
| Loan loss allowance to noncurrent loans | 217.7008% | 1,538 |
| Noncurrent assets plus other real estate owned to assets | 2.1339% | 2,698 |
| Noncurrent loans to loans | 2.6115% | 2,526 |
| Net loans and leases to total assets | 75.8342% | 2,304 |
| Net loans and leases to deposits | 96.0886% | 1,929 |
| Net loans and leases to core deposits | 275.7717% | 46 |
| Total domestic deposits to total assets | 78.9211% | 5,756 |
| Equity capital to assets | 17.2307% | 698 |
| Core capital (leverage) ratio | 16.7078% | 689 |
| Tier 1 risk-based capital ratio | 15.4338% | 2,880 |
| Total risk-based capital ratio | 17.0031% | 2,706 |
| Memoranda: |
| Average total assets | $383,684,000 | 1,829 |
| Average earning assets | $324,130,000 | 1,956 |
| Average equity | $65,323,000 | 1,042 |
| Average total loans | $302,953,000 | 1,650 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 16.6336% | 12 |
| Cost of funding earning assets | 4.1289% | 65 |
| Net interest margin | 12.5047% | 16 |
| Noninterest income to average assets | 12.9971% | 68 |
| Noninterest expense to average assets | 17.0970% | 63 |
| Loan and lease loss provision to assets | 3.7557% | 190 |
| Net operating income to assets | 2.1134% | 285 |
| Return on assets (ROA) | 2.1134% | 271 |
| Pretax return on assets | 2.5934% | 161 |
| Return on Equity (ROE) | 11.7592% | 1,666 |
| Retained earnings to average equity (ytd only) | -39.3024% | 8,041 |
| Net charge-offs to loans | 3.7313% | 202 |
| Credit loss provision to net charge-offs | 145.7001% | 3,622 |
| Earnings coverage of net charge-offs (x) | 2.4631% | 4,843 |
| Efficiency ratio | 67.4733% | 4,821 |
| Assets per employee ($millions) | 130.6813% | 23 |
| Cash dividends to net income (ytd only)* | 434.2258% | 116 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.6198% | 125 |
| Loan loss allowance to noncurrent loans | 216.6204% | 1,802 |
| Noncurrent assets plus other real estate owned to assets | 1.7154% | 2,836 |
| Noncurrent loans to loans | 2.1327% | 2,590 |
| Net loans and leases to total assets | 73.9904% | 3,102 |
| Net loans and leases to deposits | 92.8894% | 2,974 |
| Net loans and leases to core deposits | 24,687.2340% | 3 |
| Total domestic deposits to total assets | 79.6543% | 5,147 |
| Equity capital to assets | 16.8285% | 794 |
| Core capital (leverage) ratio | 17.7601% | 629 |
| Tier 1 risk-based capital ratio | 15.1861% | 2,964 |
| Total risk-based capital ratio | 16.7242% | 2,791 |
| Memoranda: |
| Average total assets | $406,451,000 | 1,672 |
| Average earning assets | $339,631,000 | 1,812 |
| Average equity | $73,049,000 | 910 |
| Average total loans | $280,784,200 | 1,718 |
