| 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 | 6.1034% | 756 |
| Cost of funding earning assets | 0.9655% | 6,103 |
| Net interest margin | 5.1379% | 329 |
| Noninterest income to average assets | 1.0255% | 1,393 |
| Noninterest expense to average assets | 3.6400% | 1,694 |
| Loan and lease loss provision to assets | 0.0475% | 6,606 |
| Net operating income to assets | 2.0035% | 337 |
| Return on assets (ROA) | 2.0035% | 367 |
| Pretax return on assets | 2.0035% | 614 |
| Return on Equity (ROE) | 15.4500% | 784 |
| Retained earnings to average equity (ytd only) | 8.9071% | 1,080 |
| Net charge-offs to loans | 0.0637% | 5,879 |
| Credit loss provision to net charge-offs | 84.0000% | 4,999 |
| Earnings coverage of net charge-offs (x) | 36.2600% | 755 |
| Efficiency ratio | 54.9250% | 6,696 |
| Assets per employee ($millions) | 4.0256% | 3,783 |
| Cash dividends to net income (ytd only)* | 42.3489% | 1,982 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9415% | 6,605 |
| Loan loss allowance to noncurrent loans | 105.6932% | 2,655 |
| Noncurrent assets plus other real estate owned to assets | 0.9842% | 5,116 |
| Noncurrent loans to loans | 0.8908% | 5,459 |
| Net loans and leases to total assets | 90.3491% | 51 |
| Net loans and leases to deposits | 104.6032% | 407 |
| Net loans and leases to core deposits | 125.3723% | 467 |
| Total domestic deposits to total assets | 86.3733% | 2,872 |
| Equity capital to assets | 13.3865% | 1,399 |
| Core capital (leverage) ratio | 10.4151% | 2,786 |
| Tier 1 risk-based capital ratio | 11.9125% | 5,542 |
| Total risk-based capital ratio | 12.9037% | 5,762 |
| Memoranda: |
| Average total assets | $235,709,500 | 2,718 |
| Average earning assets | $214,039,500 | 2,739 |
| Average equity | $30,566,750 | 2,159 |
| Average total loans | $209,361,500 | 2,107 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.0187% | 903 |
| Cost of funding earning assets | 0.9801% | 6,237 |
| Net interest margin | 5.0386% | 389 |
| Noninterest income to average assets | 1.0108% | 1,350 |
| Noninterest expense to average assets | 3.6075% | 1,762 |
| Loan and lease loss provision to assets | 0.0711% | 6,239 |
| Net operating income to assets | 1.9023% | 396 |
| Return on assets (ROA) | 1.9023% | 437 |
| Pretax return on assets | 1.9023% | 730 |
| Return on Equity (ROE) | 14.8266% | 886 |
| Retained earnings to average equity (ytd only) | 14.8266% | 253 |
| Net charge-offs to loans | 0.0538% | 5,626 |
| Credit loss provision to net charge-offs | 150.0000% | 2,617 |
| Earnings coverage of net charge-offs (x) | 41.6607% | 705 |
| Efficiency ratio | 55.4714% | 6,708 |
| Assets per employee ($millions) | 4.1062% | 3,571 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9519% | 6,593 |
| Loan loss allowance to noncurrent loans | 116.0907% | 2,410 |
| Noncurrent assets plus other real estate owned to assets | 0.8427% | 5,431 |
| Noncurrent loans to loans | 0.8199% | 5,637 |
| Net loans and leases to total assets | 89.5259% | 93 |
| Net loans and leases to deposits | 103.3885% | 517 |
| Net loans and leases to core deposits | 126.7149% | 492 |
| Total domestic deposits to total assets | 86.5917% | 2,760 |
| Equity capital to assets | 13.2106% | 1,468 |
| Core capital (leverage) ratio | 10.1773% | 2,966 |
| Tier 1 risk-based capital ratio | 11.7402% | 5,551 |
| Total risk-based capital ratio | 12.7426% | 5,749 |
| Memoranda: |
| Average total assets | $236,452,000 | 2,735 |
| Average earning assets | $214,465,330 | 2,758 |
| Average equity | $30,337,330 | 2,171 |
| Average total loans | $208,164,000 | 2,143 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.9733% | 1,029 |
| Cost of funding earning assets | 0.9780% | 6,477 |
| Net interest margin | 4.9953% | 419 |
| Noninterest income to average assets | 1.0034% | 1,295 |
| Noninterest expense to average assets | 3.5637% | 1,811 |
| Loan and lease loss provision to assets | 0.0526% | 6,141 |
| Net operating income to assets | 1.9049% | 407 |
| Return on assets (ROA) | 1.9049% | 443 |
| Pretax return on assets | 1.9049% | 727 |
| Return on Equity (ROE) | 15.0730% | 859 |
| Retained earnings to average equity (ytd only) | 15.0730% | 401 |
| Net charge-offs to loans | 0.0586% | 4,825 |
| Credit loss provision to net charge-offs | 103.3333% | 3,310 |
| Earnings coverage of net charge-offs (x) | 38.4333% | 717 |
| Efficiency ratio | 55.2583% | 6,853 |
| Assets per employee ($millions) | 4.1448% | 3,573 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9796% | 6,558 |
| Loan loss allowance to noncurrent loans | 112.2087% | 2,460 |
| Noncurrent assets plus other real estate owned to assets | 0.9467% | 5,251 |
| Noncurrent loans to loans | 0.8730% | 5,571 |
| Net loans and leases to total assets | 83.5768% | 413 |
| Net loans and leases to deposits | 95.5757% | 1,162 |
| Net loans and leases to core deposits | 117.0620% | 901 |
| Total domestic deposits to total assets | 87.4456% | 2,387 |
| Equity capital to assets | 12.4051% | 1,807 |
| Core capital (leverage) ratio | 9.9054% | 3,280 |
| Tier 1 risk-based capital ratio | 11.5832% | 5,593 |
| Total risk-based capital ratio | 12.6209% | 5,767 |
| Memoranda: |
| Average total assets | $235,599,000 | 2,810 |
| Average earning assets | $213,081,000 | 2,832 |
| Average equity | $29,775,000 | 2,233 |
| Average total loans | $204,615,000 | 2,232 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.0584% | 1,645 |
| Cost of funding earning assets | 1.2234% | 6,578 |
| Net interest margin | 4.8350% | 645 |
| Noninterest income to average assets | 1.0342% | 1,458 |
| Noninterest expense to average assets | 3.7179% | 1,870 |
| Loan and lease loss provision to assets | 0.0560% | 7,005 |
| Net operating income to assets | 1.6180% | 524 |
| Return on assets (ROA) | 1.6180% | 556 |
| Pretax return on assets | 1.6180% | 925 |
| Return on Equity (ROE) | 11.7937% | 1,214 |
| Retained earnings to average equity (ytd only) | -4.3976% | 5,928 |
| Net charge-offs to loans | 0.0643% | 6,467 |
| Credit loss provision to net charge-offs | 99.2126% | 5,622 |
| Earnings coverage of net charge-offs (x) | 29.6693% | 777 |
| Efficiency ratio | 55.9611% | 7,018 |
| Assets per employee ($millions) | 3.7776% | 4,327 |
| Cash dividends to net income (ytd only)* | 137.2872% | 328 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9964% | 6,413 |
| Loan loss allowance to noncurrent loans | 83.2030% | 3,327 |
| Noncurrent assets plus other real estate owned to assets | 1.1890% | 4,723 |
| Noncurrent loans to loans | 1.1976% | 4,942 |
| Net loans and leases to total assets | 88.5954% | 147 |
| Net loans and leases to deposits | 103.9579% | 649 |
| Net loans and leases to core deposits | 138.2060% | 871 |
| Total domestic deposits to total assets | 85.2224% | 3,447 |
| Equity capital to assets | 12.8892% | 1,550 |
| Core capital (leverage) ratio | 10.0368% | 3,050 |
| Tier 1 risk-based capital ratio | 10.9378% | 5,975 |
| Total risk-based capital ratio | 11.9831% | 6,152 |
| Memoranda: |
| Average total assets | $225,099,400 | 2,876 |
| Average earning assets | $202,874,000 | 2,933 |
| Average equity | $30,880,800 | 2,172 |
| Average total loans | $197,509,600 | 2,315 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.0224% | 1,945 |
| Cost of funding earning assets | 1.2881% | 6,591 |
| Net interest margin | 4.7343% | 785 |
| Noninterest income to average assets | 1.0146% | 1,548 |
| Noninterest expense to average assets | 3.7001% | 1,820 |
| Loan and lease loss provision to assets | 0.0653% | 6,704 |
| Net operating income to assets | 1.5237% | 772 |
| Return on assets (ROA) | 1.5237% | 824 |
| Pretax return on assets | 1.5237% | 1,345 |
| Return on Equity (ROE) | 10.9399% | 1,639 |
| Retained earnings to average equity (ytd only) | 4.9758% | 2,505 |
| Net charge-offs to loans | 0.0720% | 5,967 |
| Credit loss provision to net charge-offs | 103.7736% | 4,903 |
| Earnings coverage of net charge-offs (x) | 25.2641% | 1,059 |
| Efficiency ratio | 56.6861% | 6,908 |
| Assets per employee ($millions) | 3.5857% | 4,720 |
| Cash dividends to net income (ytd only)* | 54.5172% | 1,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0378% | 6,073 |
| Loan loss allowance to noncurrent loans | 85.8838% | 3,179 |
| Noncurrent assets plus other real estate owned to assets | 1.1891% | 4,693 |
| Noncurrent loans to loans | 1.2084% | 4,927 |
| Net loans and leases to total assets | 88.3235% | 186 |
| Net loans and leases to deposits | 105.0385% | 706 |
| Net loans and leases to core deposits | 143.3312% | 783 |
| Total domestic deposits to total assets | 84.0867% | 3,686 |
| Equity capital to assets | 14.5107% | 1,143 |
| Core capital (leverage) ratio | 10.8825% | 2,497 |
| Tier 1 risk-based capital ratio | 12.3885% | 4,640 |
| Total risk-based capital ratio | 13.4668% | 4,723 |
| Memoranda: |
| Average total assets | $224,710,750 | 2,898 |
| Average earning assets | $202,883,000 | 2,950 |
| Average equity | $31,297,500 | 2,164 |
| Average total loans | $196,180,500 | 2,357 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.9261% | 2,473 |
| Cost of funding earning assets | 1.3317% | 6,702 |
| Net interest margin | 4.5944% | 963 |
| Noninterest income to average assets | 1.0401% | 1,467 |
| Noninterest expense to average assets | 3.6232% | 2,018 |
| Loan and lease loss provision to assets | 0.0768% | 6,422 |
| Net operating income to assets | 1.4856% | 862 |
| Return on assets (ROA) | 1.4856% | 921 |
| Pretax return on assets | 1.4856% | 1,488 |
| Return on Equity (ROE) | 10.8121% | 1,755 |
| Retained earnings to average equity (ytd only) | 8.2439% | 1,136 |
| Net charge-offs to loans | 0.0885% | 5,306 |
| Credit loss provision to net charge-offs | 100.0000% | 4,559 |
| Earnings coverage of net charge-offs (x) | 20.3563% | 1,316 |
| Efficiency ratio | 56.4478% | 7,063 |
| Assets per employee ($millions) | 3.7958% | 4,105 |
| Cash dividends to net income (ytd only)* | 23.7530% | 3,050 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0570% | 5,859 |
| Loan loss allowance to noncurrent loans | 100.9557% | 2,873 |
| Noncurrent assets plus other real estate owned to assets | 1.3239% | 4,304 |
| Noncurrent loans to loans | 1.0470% | 5,119 |
| Net loans and leases to total assets | 83.8885% | 653 |
| Net loans and leases to deposits | 98.1101% | 1,502 |
| Net loans and leases to core deposits | 132.4026% | 1,413 |
| Total domestic deposits to total assets | 85.5045% | 3,014 |
| Equity capital to assets | 14.2240% | 1,240 |
| Core capital (leverage) ratio | 10.3410% | 2,957 |
| Tier 1 risk-based capital ratio | 12.3156% | 4,659 |
| Total risk-based capital ratio | 13.3903% | 4,719 |
| Memoranda: |
| Average total assets | $226,704,670 | 2,893 |
| Average earning assets | $204,551,330 | 2,945 |
| Average equity | $31,150,330 | 2,173 |
| Average total loans | $196,502,330 | 2,383 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.8379% | 3,104 |
| Cost of funding earning assets | 1.3788% | 6,787 |
| Net interest margin | 4.4591% | 1,211 |
| Noninterest income to average assets | 0.9856% | 1,528 |
| Noninterest expense to average assets | 3.4654% | 2,181 |
| Loan and lease loss provision to assets | 0.0438% | 6,423 |
| Net operating income to assets | 1.4977% | 941 |
| Return on assets (ROA) | 1.4977% | 1,010 |
| Pretax return on assets | 1.4977% | 1,672 |
| Return on Equity (ROE) | 11.0916% | 1,940 |
| Retained earnings to average equity (ytd only) | 5.8965% | 2,678 |
| Net charge-offs to loans | 0.0500% | 4,773 |
| Credit loss provision to net charge-offs | 100.0000% | 3,714 |
| Earnings coverage of net charge-offs (x) | 35.1600% | 942 |
| Efficiency ratio | 55.4116% | 7,048 |
| Assets per employee ($millions) | 3.9004% | 3,874 |
| Cash dividends to net income (ytd only)* | 46.8384% | 1,865 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0220% | 6,020 |
| Loan loss allowance to noncurrent loans | 89.2397% | 3,360 |
| Noncurrent assets plus other real estate owned to assets | 0.9773% | 4,749 |
| Noncurrent loans to loans | 1.1452% | 4,702 |
| Net loans and leases to total assets | 84.4652% | 626 |
| Net loans and leases to deposits | 97.8489% | 1,688 |
| Net loans and leases to core deposits | 126.0893% | 1,912 |
| Total domestic deposits to total assets | 86.3220% | 2,539 |
| Equity capital to assets | 13.4820% | 1,537 |
| Core capital (leverage) ratio | 9.8620% | 3,571 |
| Tier 1 risk-based capital ratio | 11.2759% | 5,622 |
| Total risk-based capital ratio | 12.3152% | 5,753 |
| Memoranda: |
| Average total assets | $228,081,000 | 2,892 |
| Average earning assets | $205,692,000 | 2,940 |
| Average equity | $30,798,000 | 2,203 |
| Average total loans | $199,815,000 | 2,373 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.5658% | 2,642 |
| Cost of funding earning assets | 2.0960% | 6,069 |
| Net interest margin | 4.4698% | 1,493 |
| Noninterest income to average assets | 1.1592% | 1,152 |
| Noninterest expense to average assets | 3.2728% | 3,063 |
| Loan and lease loss provision to assets | 0.3643% | 3,505 |
| Net operating income to assets | 1.4645% | 1,088 |
| Return on assets (ROA) | 1.4645% | 1,050 |
| Pretax return on assets | 1.4645% | 1,781 |
| Return on Equity (ROE) | 10.5395% | 2,075 |
| Retained earnings to average equity (ytd only) | 2.2300% | 3,827 |
| Net charge-offs to loans | 0.1115% | 5,157 |
| Credit loss provision to net charge-offs | 397.5248% | 1,107 |
| Earnings coverage of net charge-offs (x) | 19.9554% | 1,599 |
| Efficiency ratio | 50.1289% | 7,655 |
| Assets per employee ($millions) | 3.8312% | 3,898 |
| Cash dividends to net income (ytd only)* | 78.8414% | 1,770 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9875% | 6,163 |
| Loan loss allowance to noncurrent loans | 105.0235% | 3,311 |
| Noncurrent assets plus other real estate owned to assets | 0.8454% | 4,736 |
| Noncurrent loans to loans | 0.9402% | 4,733 |
| Net loans and leases to total assets | 89.0298% | 278 |
| Net loans and leases to deposits | 103.2450% | 1,433 |
| Net loans and leases to core deposits | 121.2497% | 2,585 |
| Total domestic deposits to total assets | 86.2316% | 2,297 |
| Equity capital to assets | 13.5246% | 1,588 |
| Core capital (leverage) ratio | 9.9022% | 3,545 |
| Tier 1 risk-based capital ratio | 10.7035% | 6,001 |
| Total risk-based capital ratio | 11.7301% | 6,109 |
| Memoranda: |
| Average total assets | $220,419,800 | 2,871 |
| Average earning assets | $194,416,400 | 2,970 |
| Average equity | $30,627,600 | 2,203 |
| Average total loans | $181,133,800 | 2,489 |
