| 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 | 4.3648% | 6,960 |
| Cost of funding earning assets | 2.5198% | 163 |
| Net interest margin | 1.8449% | 7,685 |
| Noninterest income to average assets | 0.0422% | 7,369 |
| Noninterest expense to average assets | 4.5245% | 556 |
| Loan and lease loss provision to assets | 0.5694% | 2,499 |
| Net operating income to assets | -3.2967% | 7,547 |
| Return on assets (ROA) | -3.2943% | 7,552 |
| Pretax return on assets | -3.2943% | 7,515 |
| Return on Equity (ROE) | -127.9537% | 7,764 |
| Retained earnings to average equity (ytd only) | -127.9537% | 7,764 |
| Net charge-offs to loans | 12.9512% | 16 |
| Credit loss provision to net charge-offs | 5.4953% | 5,980 |
| Earnings coverage of net charge-offs (x) | -0.2632% | 5,908 |
| Efficiency ratio | 251.7601% | 57 |
| Assets per employee ($millions) | 8.1564% | 474 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.0807% | 774 |
| Loan loss allowance to noncurrent loans | 9.8054% | 7,266 |
| Noncurrent assets plus other real estate owned to assets | 26.6208% | 17 |
| Noncurrent loans to loans | 31.4184% | 15 |
| Net loans and leases to total assets | 75.5995% | 1,570 |
| Net loans and leases to deposits | 77.4143% | 4,097 |
| Net loans and leases to core deposits | 82.9437% | 4,288 |
| Total domestic deposits to total assets | 97.6558% | 9 |
| Equity capital to assets | 1.8807% | 7,793 |
| Core capital (leverage) ratio | 1.6629% | 7,787 |
| Tier 1 risk-based capital ratio | 2.2623% | 7,792 |
| Total risk-based capital ratio | 3.5359% | 7,793 |
| Memoranda: |
| Average total assets | $85,358,330 | 5,521 |
| Average earning assets | $81,195,670 | 5,398 |
| Average equity | $2,197,670 | 7,628 |
| Average total loans | $68,287,330 | 4,851 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3219% | 7,102 |
| Cost of funding earning assets | 2.5488% | 195 |
| Net interest margin | 1.7731% | 7,784 |
| Noninterest income to average assets | -0.0642% | 7,734 |
| Noninterest expense to average assets | 3.7912% | 1,344 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | -2.1683% | 7,497 |
| Return on assets (ROA) | -2.1683% | 7,503 |
| Pretax return on assets | -2.1683% | 7,451 |
| Return on Equity (ROE) | -74.7974% | 7,782 |
| Retained earnings to average equity (ytd only) | -74.7974% | 7,777 |
| Net charge-offs to loans | 24.9504% | 4 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | -0.1074% | 5,106 |
| Efficiency ratio | 233.6158% | 74 |
| Assets per employee ($millions) | 7.6605% | 601 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.5870% | 1,193 |
| Loan loss allowance to noncurrent loans | 9.7795% | 7,339 |
| Noncurrent assets plus other real estate owned to assets | 22.6426% | 39 |
| Noncurrent loans to loans | 26.4535% | 32 |
| Net loans and leases to total assets | 77.4844% | 1,251 |
| Net loans and leases to deposits | 80.1171% | 3,637 |
| Net loans and leases to core deposits | 85.8317% | 3,926 |
| Total domestic deposits to total assets | 96.7140% | 23 |
| Equity capital to assets | 2.7995% | 7,858 |
| Core capital (leverage) ratio | 2.6625% | 7,858 |
| Tier 1 risk-based capital ratio | 3.6333% | 7,855 |
| Total risk-based capital ratio | 4.9020% | 7,856 |
| Memoranda: |
| Average total assets | $87,255,500 | 5,540 |
| Average earning assets | $83,020,000 | 5,398 |
| Average equity | $2,529,500 | 7,622 |
| Average total loans | $70,620,000 | 4,828 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9941% | 6,452 |
| Cost of funding earning assets | 3.5412% | 37 |
| Net interest margin | 1.4529% | 7,878 |
| Noninterest income to average assets | 0.2656% | 6,212 |
| Noninterest expense to average assets | 3.7483% | 1,801 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | -2.1274% | 7,138 |
| Return on assets (ROA) | -1.9213% | 7,059 |
| Pretax return on assets | -1.9195% | 6,903 |
| Return on Equity (ROE) | -51.9436% | 7,701 |
| Retained earnings to average equity (ytd only) | -51.9436% | 7,693 |
| Net charge-offs to loans | 0.2386% | 5,128 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | -11.3220% | 7,167 |
| Efficiency ratio | 230.9819% | 99 |
| Assets per employee ($millions) | 8.2041% | 469 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) |
| Loss allowance to loans | 8.2721% | 39 |
| Loan loss allowance to noncurrent loans | 26.3623% | 6,714 |
| Noncurrent assets plus other real estate owned to assets | 26.8192% | 17 |
| Noncurrent loans to loans | 31.3786% | 16 |
| Net loans and leases to total assets | 75.4324% | 1,938 |
| Net loans and leases to deposits | 78.1579% | 4,334 |
| Net loans and leases to core deposits | 137.7682% | 884 |
| Total domestic deposits to total assets | 96.5128% | 29 |
| Equity capital to assets | 2.9919% | 7,917 |
| Core capital (leverage) ratio | 2.8794% | 7,913 |
| Tier 1 risk-based capital ratio | 4.1780% | 7,902 |
| Total risk-based capital ratio | 5.5267% | 7,903 |
| Memoranda: |
| Average total assets | $109,196,000 | 4,843 |
| Average earning assets | $102,000,400 | 4,788 |
| Average equity | $4,039,000 | 7,274 |
| Average total loans | $85,918,200 | 4,334 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1653% | 6,038 |
| Cost of funding earning assets | 3.6437% | 39 |
| Net interest margin | 1.5217% | 7,945 |
| Noninterest income to average assets | 0.4201% | 5,133 |
| Noninterest expense to average assets | 3.7108% | 1,797 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | -1.8759% | 7,263 |
| Return on assets (ROA) | -1.7226% | 7,203 |
| Pretax return on assets | -1.7226% | 7,056 |
| Return on Equity (ROE) | -44.8727% | 7,797 |
| Retained earnings to average equity (ytd only) | -44.8727% | 7,793 |
| Net charge-offs to loans | 0.1861% | 4,901 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | -12.9274% | 6,916 |
| Efficiency ratio | 202.2321% | 151 |
| Assets per employee ($millions) | 7.3547% | 680 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) |
| Loss allowance to loans | 7.6325% | 35 |
| Loan loss allowance to noncurrent loans | 29.0967% | 6,526 |
| Noncurrent assets plus other real estate owned to assets | 21.6110% | 38 |
| Noncurrent loans to loans | 26.2314% | 26 |
| Net loans and leases to total assets | 73.1057% | 2,760 |
| Net loans and leases to deposits | 76.0981% | 5,025 |
| Net loans and leases to core deposits | 119.7887% | 2,263 |
| Total domestic deposits to total assets | 96.0676% | 23 |
| Equity capital to assets | 3.4507% | 8,022 |
| Core capital (leverage) ratio | 3.3793% | 8,016 |
| Tier 1 risk-based capital ratio | 4.6431% | 8,012 |
| Total risk-based capital ratio | 5.9790% | 8,015 |
| Memoranda: |
| Average total assets | $113,933,750 | 4,745 |
| Average earning assets | $105,934,750 | 4,712 |
| Average equity | $4,373,750 | 7,225 |
| Average total loans | $88,844,500 | 4,285 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2546% | 5,841 |
| Cost of funding earning assets | 3.7446% | 48 |
| Net interest margin | 1.5100% | 8,015 |
| Noninterest income to average assets | 0.5188% | 4,281 |
| Noninterest expense to average assets | 3.5649% | 2,154 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | -1.6464% | 7,308 |
| Return on assets (ROA) | -1.4219% | 7,216 |
| Pretax return on assets | -1.4219% | 7,047 |
| Return on Equity (ROE) | -35.9776% | 7,799 |
| Retained earnings to average equity (ytd only) | -35.9776% | 7,782 |
| Net charge-offs to loans | -0.0351% | 7,798 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 185.8156% | 230 |
| Assets per employee ($millions) | 7.1454% | 725 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) |
| Loss allowance to loans | 7.5491% | 39 |
| Loan loss allowance to noncurrent loans | 31.8350% | 6,348 |
| Noncurrent assets plus other real estate owned to assets | 19.0360% | 47 |
| Noncurrent loans to loans | 23.7133% | 31 |
| Net loans and leases to total assets | 72.6696% | 3,044 |
| Net loans and leases to deposits | 75.9542% | 5,185 |
| Net loans and leases to core deposits | 110.3245% | 3,342 |
| Total domestic deposits to total assets | 95.6755% | 27 |
| Equity capital to assets | 3.8206% | 8,103 |
| Core capital (leverage) ratio | 3.7023% | 8,109 |
| Tier 1 risk-based capital ratio | 5.3234% | 8,088 |
| Total risk-based capital ratio | 6.6584% | 8,090 |
| Memoranda: |
| Average total assets | $117,589,670 | 4,696 |
| Average earning assets | $109,009,670 | 4,656 |
| Average equity | $4,647,330 | 7,194 |
| Average total loans | $91,294,670 | 4,251 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5251% | 4,784 |
| Cost of funding earning assets | 3.8489% | 52 |
| Net interest margin | 1.6762% | 8,010 |
| Noninterest income to average assets | 0.6222% | 3,401 |
| Noninterest expense to average assets | 3.4953% | 2,113 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | -1.3225% | 7,425 |
| Return on assets (ROA) | -0.9219% | 7,235 |
| Pretax return on assets | -0.9219% | 7,108 |
| Return on Equity (ROE) | -22.9918% | 7,809 |
| Retained earnings to average equity (ytd only) | -22.9918% | 7,722 |
| Net charge-offs to loans | 0.4809% | 2,249 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | -3.5614% | 5,528 |
| Efficiency ratio | 160.8696% | 301 |
| Assets per employee ($millions) | 6.8718% | 824 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 6.7020% | 50 |
| Loan loss allowance to noncurrent loans | 35.4824% | 6,189 |
| Noncurrent assets plus other real estate owned to assets | 15.7831% | 65 |
| Noncurrent loans to loans | 18.8883% | 48 |
| Net loans and leases to total assets | 74.2392% | 2,697 |
| Net loans and leases to deposits | 77.9092% | 4,938 |
| Net loans and leases to core deposits | 114.7046% | 2,934 |
| Total domestic deposits to total assets | 95.2894% | 21 |
| Equity capital to assets | 4.0438% | 8,160 |
| Core capital (leverage) ratio | 3.8314% | 8,174 |
| Tier 1 risk-based capital ratio | 5.4867% | 8,160 |
| Total risk-based capital ratio | 6.8113% | 8,160 |
| Memoranda: |
| Average total assets | $122,794,000 | 4,582 |
| Average earning assets | $113,591,000 | 4,541 |
| Average equity | $4,923,500 | 7,138 |
| Average total loans | $94,818,000 | 4,179 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.3430% | 3,720 |
| Cost of funding earning assets | 4.1060% | 70 |
| Net interest margin | 2.2370% | 7,947 |
| Noninterest income to average assets | 0.4426% | 5,092 |
| Noninterest expense to average assets | 4.0489% | 1,343 |
| Loan and lease loss provision to assets | 1.6163% | 807 |
| Net operating income to assets | -3.1246% | 7,853 |
| Return on assets (ROA) | -3.1105% | 7,822 |
| Pretax return on assets | -3.1547% | 7,744 |
| Return on Equity (ROE) | -56.6002% | 8,185 |
| Retained earnings to average equity (ytd only) | -56.6002% | 8,170 |
| Net charge-offs to loans | 4.1600% | 151 |
| Credit loss provision to net charge-offs | 51.9749% | 6,332 |
| Earnings coverage of net charge-offs (x) | -0.4993% | 6,484 |
| Efficiency ratio | 162.1973% | 307 |
| Assets per employee ($millions) | 8.0479% | 463 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) |
| Loss allowance to loans | 6.5619% | 41 |
| Loan loss allowance to noncurrent loans | 46.2526% | 5,700 |
| Noncurrent assets plus other real estate owned to assets | 11.4509% | 114 |
| Noncurrent loans to loans | 14.1872% | 79 |
| Net loans and leases to total assets | 70.1538% | 3,979 |
| Net loans and leases to deposits | 73.5567% | 5,891 |
| Net loans and leases to core deposits | 100.6653% | 4,761 |
| Total domestic deposits to total assets | 95.3738% | 11 |
| Equity capital to assets | 3.9785% | 8,249 |
| Core capital (leverage) ratio | 3.7025% | 8,266 |
| Tier 1 risk-based capital ratio | 5.5504% | 8,250 |
| Total risk-based capital ratio | 6.8719% | 8,249 |
| Memoranda: |
| Average total assets | $153,867,800 | 3,825 |
| Average earning assets | $141,257,800 | 3,821 |
| Average equity | $8,455,800 | 5,923 |
| Average total loans | $115,025,400 | 3,561 |
