| 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 | 5.4967% | 2,589 |
| Cost of funding earning assets | 1.9046% | 1,429 |
| Net interest margin | 3.5921% | 4,768 |
| Noninterest income to average assets | 0.4292% | 4,671 |
| Noninterest expense to average assets | 2.8013% | 4,478 |
| Loan and lease loss provision to assets | 2.6356% | 392 |
| Net operating income to assets | -0.9563% | 7,084 |
| Return on assets (ROA) | -0.9563% | 7,112 |
| Pretax return on assets | -1.7696% | 7,338 |
| Return on Equity (ROE) | -9.9403% | 7,139 |
| Retained earnings to average equity (ytd only) | -9.9403% | 6,963 |
| Net charge-offs to loans | 4.8011% | 258 |
| Credit loss provision to net charge-offs | 71.1382% | 4,079 |
| Earnings coverage of net charge-offs (x) | 0.2337% | 4,832 |
| Efficiency ratio | 76.3860% | 3,153 |
| Assets per employee ($millions) | 4.8415% | 2,449 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0062% | 6,434 |
| Loan loss allowance to noncurrent loans | 1,515.3846% | 232 |
| Noncurrent assets plus other real estate owned to assets | 1.6956% | 3,936 |
| Noncurrent loans to loans | 0.0664% | 7,233 |
| Net loans and leases to total assets | 72.7829% | 2,268 |
| Net loans and leases to deposits | 82.7894% | 3,142 |
| Net loans and leases to core deposits | 84.6942% | 4,106 |
| Total domestic deposits to total assets | 87.9133% | 2,110 |
| Equity capital to assets | 9.4767% | 4,570 |
| Core capital (leverage) ratio | 7.7442% | 6,576 |
| Tier 1 risk-based capital ratio | 10.4169% | 6,708 |
| Total risk-based capital ratio | 11.4204% | 6,899 |
| Memoranda: |
| Average total assets | $53,119,000 | 6,630 |
| Average earning assets | $47,883,500 | 6,632 |
| Average equity | $5,110,500 | 6,813 |
| Average total loans | $40,991,000 | 6,077 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.9181% | 2,162 |
| Cost of funding earning assets | 2.0637% | 2,661 |
| Net interest margin | 3.8543% | 3,466 |
| Noninterest income to average assets | 0.5316% | 4,166 |
| Noninterest expense to average assets | 2.8075% | 4,955 |
| Loan and lease loss provision to assets | 0.6083% | 3,365 |
| Net operating income to assets | 0.4784% | 3,820 |
| Return on assets (ROA) | 0.4784% | 3,919 |
| Pretax return on assets | 0.6713% | 3,677 |
| Return on Equity (ROE) | 4.7319% | 3,785 |
| Retained earnings to average equity (ytd only) | 2.9793% | 3,081 |
| Net charge-offs to loans | 0.0758% | 6,357 |
| Credit loss provision to net charge-offs | 965.6250% | 304 |
| Earnings coverage of net charge-offs (x) | 20.3125% | 1,047 |
| Efficiency ratio | 68.6898% | 4,886 |
| Assets per employee ($millions) | 4.0755% | 3,666 |
| Cash dividends to net income (ytd only)* | 37.0370% | 3,047 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2516% | 5,039 |
| Loan loss allowance to noncurrent loans | 32.3671% | 6,294 |
| Noncurrent assets plus other real estate owned to assets | 3.1256% | 2,214 |
| Noncurrent loans to loans | 3.8668% | 1,924 |
| Net loans and leases to total assets | 79.8211% | 1,029 |
| Net loans and leases to deposits | 92.1873% | 1,867 |
| Net loans and leases to core deposits | 115.1532% | 2,399 |
| Total domestic deposits to total assets | 86.5858% | 2,709 |
| Equity capital to assets | 9.7658% | 4,045 |
| Core capital (leverage) ratio | 8.1419% | 5,925 |
| Tier 1 risk-based capital ratio | 10.1988% | 6,686 |
| Total risk-based capital ratio | 11.4492% | 6,658 |
| Memoranda: |
| Average total assets | $50,793,200 | 6,676 |
| Average earning assets | $46,856,600 | 6,644 |
| Average equity | $5,135,400 | 6,894 |
| Average total loans | $42,242,600 | 6,007 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.0849% | 1,703 |
| Cost of funding earning assets | 2.1045% | 2,871 |
| Net interest margin | 3.9803% | 2,893 |
| Noninterest income to average assets | 0.5174% | 4,339 |
| Noninterest expense to average assets | 2.8340% | 4,747 |
| Loan and lease loss provision to assets | 0.1274% | 6,075 |
| Net operating income to assets | 0.8438% | 2,642 |
| Return on assets (ROA) | 0.8438% | 2,704 |
| Pretax return on assets | 1.2498% | 2,108 |
| Return on Equity (ROE) | 8.2718% | 2,528 |
| Retained earnings to average equity (ytd only) | 5.9306% | 1,985 |
| Net charge-offs to loans | 0.0127% | 6,744 |
| Credit loss provision to net charge-offs | 1,200.0000% | 316 |
| Earnings coverage of net charge-offs (x) | 129.8274% | 291 |
| Efficiency ratio | 67.2968% | 5,120 |
| Assets per employee ($millions) | 3.9565% | 3,813 |
| Cash dividends to net income (ytd only)* | 28.3026% | 2,948 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6981% | 7,375 |
| Loan loss allowance to noncurrent loans | 25.7216% | 6,742 |
| Noncurrent assets plus other real estate owned to assets | 2.2903% | 2,991 |
| Noncurrent loans to loans | 2.7140% | 2,790 |
| Net loans and leases to total assets | 83.7990% | 565 |
| Net loans and leases to deposits | 98.6858% | 1,245 |
| Net loans and leases to core deposits | 121.4962% | 2,115 |
| Total domestic deposits to total assets | 84.9149% | 3,279 |
| Equity capital to assets | 10.2051% | 3,840 |
| Core capital (leverage) ratio | 8.6504% | 5,222 |
| Tier 1 risk-based capital ratio | 10.3238% | 6,653 |
| Total risk-based capital ratio | 11.0526% | 7,101 |
| Memoranda: |
| Average total assets | $50,246,250 | 6,748 |
| Average earning assets | $46,628,250 | 6,705 |
| Average equity | $5,125,750 | 6,960 |
| Average total loans | $42,096,750 | 6,063 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.0316% | 2,049 |
| Cost of funding earning assets | 2.1803% | 2,881 |
| Net interest margin | 3.8512% | 3,335 |
| Noninterest income to average assets | 0.4814% | 4,617 |
| Noninterest expense to average assets | 2.8646% | 4,665 |
| Loan and lease loss provision to assets | 0.1284% | 5,818 |
| Net operating income to assets | 0.7262% | 3,149 |
| Return on assets (ROA) | 0.7262% | 3,253 |
| Pretax return on assets | 1.0672% | 2,745 |
| Return on Equity (ROE) | 7.1194% | 3,157 |
| Retained earnings to average equity (ytd only) | 5.1527% | 2,425 |
| Net charge-offs to loans | 0.0144% | 6,338 |
| Credit loss provision to net charge-offs | 1,066.6667% | 465 |
| Earnings coverage of net charge-offs (x) | 99.3333% | 384 |
| Efficiency ratio | 70.5534% | 4,669 |
| Assets per employee ($millions) | 3.8602% | 3,962 |
| Cash dividends to net income (ytd only)* | 27.6243% | 2,935 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6823% | 7,459 |
| Loan loss allowance to noncurrent loans | 33.7632% | 6,209 |
| Noncurrent assets plus other real estate owned to assets | 1.6998% | 3,628 |
| Noncurrent loans to loans | 2.0208% | 3,484 |
| Net loans and leases to total assets | 83.5402% | 700 |
| Net loans and leases to deposits | 98.5519% | 1,449 |
| Net loans and leases to core deposits | 118.2095% | 2,529 |
| Total domestic deposits to total assets | 84.7678% | 3,371 |
| Equity capital to assets | 10.2624% | 3,653 |
| Core capital (leverage) ratio | 8.4606% | 5,509 |
| Tier 1 risk-based capital ratio | 10.1994% | 6,713 |
| Total risk-based capital ratio | 10.8996% | 7,223 |
| Memoranda: |
| Average total assets | $49,850,000 | 6,834 |
| Average earning assets | $46,323,000 | 6,784 |
| Average equity | $5,084,670 | 7,031 |
| Average total loans | $41,660,670 | 6,123 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.0186% | 2,284 |
| Cost of funding earning assets | 2.2114% | 3,110 |
| Net interest margin | 3.8071% | 3,419 |
| Noninterest income to average assets | 0.3945% | 5,258 |
| Noninterest expense to average assets | 2.8420% | 4,372 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.7407% | 3,388 |
| Return on assets (ROA) | 0.7407% | 3,569 |
| Pretax return on assets | 1.0869% | 3,036 |
| Return on Equity (ROE) | 7.2842% | 3,472 |
| Retained earnings to average equity (ytd only) | 4.9089% | 3,182 |
| Net charge-offs to loans | 0.0290% | 5,118 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 45.0000% | 778 |
| Efficiency ratio | 72.3361% | 4,130 |
| Assets per employee ($millions) | 3.5524% | 4,694 |
| Cash dividends to net income (ytd only)* | 32.6087% | 2,258 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6122% | 7,639 |
| Loan loss allowance to noncurrent loans | 71.5084% | 4,022 |
| Noncurrent assets plus other real estate owned to assets | 0.8827% | 4,989 |
| Noncurrent loans to loans | 0.8562% | 5,309 |
| Net loans and leases to total assets | 83.5585% | 757 |
| Net loans and leases to deposits | 98.4996% | 1,599 |
| Net loans and leases to core deposits | 120.2459% | 2,399 |
| Total domestic deposits to total assets | 84.8313% | 3,286 |
| Equity capital to assets | 10.2204% | 3,750 |
| Core capital (leverage) ratio | 8.5134% | 5,505 |
| Tier 1 risk-based capital ratio | 10.1157% | 6,797 |
| Total risk-based capital ratio | 10.7434% | 7,380 |
| Memoranda: |
| Average total assets | $49,683,500 | 6,883 |
| Average earning assets | $46,124,000 | 6,833 |
| Average equity | $5,052,000 | 7,093 |
| Average total loans | $41,385,500 | 6,174 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.7231% | 1,946 |
| Cost of funding earning assets | 2.7500% | 2,925 |
| Net interest margin | 3.9731% | 3,252 |
| Noninterest income to average assets | 0.5299% | 4,393 |
| Noninterest expense to average assets | 2.7667% | 4,978 |
| Loan and lease loss provision to assets | 0.1840% | 5,056 |
| Net operating income to assets | 0.8292% | 3,313 |
| Return on assets (ROA) | 0.8292% | 3,148 |
| Pretax return on assets | 1.2316% | 2,540 |
| Return on Equity (ROE) | 8.3872% | 2,894 |
| Retained earnings to average equity (ytd only) | 5.5233% | 1,757 |
| Net charge-offs to loans | 0.1100% | 5,176 |
| Credit loss provision to net charge-offs | 202.2222% | 2,401 |
| Earnings coverage of net charge-offs (x) | 15.5556% | 1,923 |
| Efficiency ratio | 66.1509% | 5,100 |
| Assets per employee ($millions) | 3.5452% | 4,555 |
| Cash dividends to net income (ytd only)* | 34.1463% | 3,931 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6324% | 7,603 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1632% | 6,916 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 81.9999% | 1,234 |
| Net loans and leases to deposits | 96.7319% | 2,329 |
| Net loans and leases to core deposits | 119.2260% | 2,769 |
| Total domestic deposits to total assets | 84.7702% | 2,946 |
| Equity capital to assets | 10.1163% | 3,903 |
| Core capital (leverage) ratio | 8.3723% | 5,816 |
| Tier 1 risk-based capital ratio | 10.1587% | 6,568 |
| Total risk-based capital ratio | 10.8061% | 7,155 |
| Memoranda: |
| Average total assets | $49,446,000 | 6,804 |
| Average earning assets | $45,455,200 | 6,792 |
| Average equity | $4,888,400 | 7,181 |
| Average total loans | $40,911,800 | 6,123 |
