| 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 | 4.7400% | 5,889 |
| Cost of funding earning assets | 2.4027% | 200 |
| Net interest margin | 2.3373% | 7,466 |
| Noninterest income to average assets | -1.1233% | 7,739 |
| Noninterest expense to average assets | 3.5293% | 1,968 |
| Loan and lease loss provision to assets | 1.4794% | 909 |
| Net operating income to assets | -3.9740% | 7,570 |
| Return on assets (ROA) | -3.8201% | 7,570 |
| Pretax return on assets | -3.8371% | 7,546 |
| Return on Equity (ROE) | -146.6138% | 7,726 |
| Retained earnings to average equity (ytd only) | -146.6138% | 7,726 |
| Net charge-offs to loans | 3.1392% | 472 |
| Credit loss provision to net charge-offs | 62.2533% | 5,634 |
| Earnings coverage of net charge-offs (x) | -1.0569% | 6,450 |
| Efficiency ratio | 346.8009% | 19 |
| Assets per employee ($millions) | 4.6402% | 2,691 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.5420% | 523 |
| Loan loss allowance to noncurrent loans | 19.5514% | 6,920 |
| Noncurrent assets plus other real estate owned to assets | 17.8141% | 92 |
| Noncurrent loans to loans | 18.1163% | 104 |
| Net loans and leases to total assets | 74.8390% | 1,610 |
| Net loans and leases to deposits | 80.5564% | 3,350 |
| Net loans and leases to core deposits | 82.8763% | 4,102 |
| Total domestic deposits to total assets | 92.9027% | 103 |
| Equity capital to assets | 1.2524% | 7,739 |
| Core capital (leverage) ratio | 1.0231% | 7,739 |
| Tier 1 risk-based capital ratio | 1.5317% | 7,737 |
| Total risk-based capital ratio | 2.8148% | 7,737 |
| Memoranda: |
| Average total assets | $585,628,500 | 1,154 |
| Average earning assets | $536,441,750 | 1,149 |
| Average equity | $15,258,750 | 3,939 |
| Average total loans | $443,334,250 | 1,018 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7545% | 5,956 |
| Cost of funding earning assets | 2.4504% | 208 |
| Net interest margin | 2.3041% | 7,531 |
| Noninterest income to average assets | -1.0289% | 7,794 |
| Noninterest expense to average assets | 3.2975% | 2,573 |
| Loan and lease loss provision to assets | 1.3841% | 971 |
| Net operating income to assets | -3.5847% | 7,585 |
| Return on assets (ROA) | -3.4409% | 7,574 |
| Pretax return on assets | -3.4658% | 7,542 |
| Return on Equity (ROE) | -114.3441% | 7,751 |
| Retained earnings to average equity (ytd only) | -114.3441% | 7,751 |
| Net charge-offs to loans | 3.4857% | 424 |
| Credit loss provision to net charge-offs | 52.8441% | 5,357 |
| Earnings coverage of net charge-offs (x) | -0.8503% | 6,094 |
| Efficiency ratio | 308.0460% | 37 |
| Assets per employee ($millions) | 4.7332% | 2,531 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.4725% | 554 |
| Loan loss allowance to noncurrent loans | 22.8268% | 6,803 |
| Noncurrent assets plus other real estate owned to assets | 14.9386% | 148 |
| Noncurrent loans to loans | 15.2123% | 164 |
| Net loans and leases to total assets | 70.5600% | 2,780 |
| Net loans and leases to deposits | 80.5901% | 3,503 |
| Net loans and leases to core deposits | 83.3584% | 4,231 |
| Total domestic deposits to total assets | 87.5541% | 2,229 |
| Equity capital to assets | 2.2005% | 7,784 |
| Core capital (leverage) ratio | 2.0360% | 7,778 |
| Tier 1 risk-based capital ratio | 3.0940% | 7,770 |
| Total risk-based capital ratio | 4.3756% | 7,771 |
| Memoranda: |
| Average total assets | $601,418,670 | 1,126 |
| Average earning assets | $547,985,000 | 1,112 |
| Average equity | $18,098,000 | 3,450 |
| Average total loans | $451,906,000 | 1,010 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8845% | 5,542 |
| Cost of funding earning assets | 2.6067% | 163 |
| Net interest margin | 2.2778% | 7,608 |
| Noninterest income to average assets | 0.0257% | 7,578 |
| Noninterest expense to average assets | 3.1390% | 3,109 |
| Loan and lease loss provision to assets | 1.7292% | 656 |
| Net operating income to assets | -2.7913% | 7,608 |
| Return on assets (ROA) | -2.6594% | 7,586 |
| Pretax return on assets | -2.6594% | 7,539 |
| Return on Equity (ROE) | -78.1296% | 7,793 |
| Retained earnings to average equity (ytd only) | -78.1296% | 7,788 |
| Net charge-offs to loans | 6.3525% | 164 |
| Credit loss provision to net charge-offs | 35.7523% | 4,724 |
| Earnings coverage of net charge-offs (x) | -0.2196% | 5,169 |
| Efficiency ratio | 151.1436% | 206 |
| Assets per employee ($millions) | 4.7272% | 2,607 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.1134% | 751 |
| Loan loss allowance to noncurrent loans | 27.6704% | 6,554 |
| Noncurrent assets plus other real estate owned to assets | 12.0914% | 255 |
| Noncurrent loans to loans | 11.2517% | 340 |
| Net loans and leases to total assets | 72.6833% | 2,287 |
| Net loans and leases to deposits | 83.7600% | 2,978 |
| Net loans and leases to core deposits | 88.6762% | 3,539 |
| Total domestic deposits to total assets | 86.7757% | 2,750 |
| Equity capital to assets | 3.1080% | 7,843 |
| Core capital (leverage) ratio | 3.0546% | 7,833 |
| Tier 1 risk-based capital ratio | 4.4367% | 7,831 |
| Total risk-based capital ratio | 5.7131% | 7,832 |
| Memoranda: |
| Average total assets | $606,303,000 | 1,139 |
| Average earning assets | $545,976,500 | 1,149 |
| Average equity | $20,637,500 | 3,111 |
| Average total loans | $461,616,000 | 1,021 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2907% | 5,225 |
| Cost of funding earning assets | 3.2835% | 94 |
| Net interest margin | 2.0071% | 7,740 |
| Noninterest income to average assets | -0.0912% | 7,798 |
| Noninterest expense to average assets | 3.0264% | 4,043 |
| Loan and lease loss provision to assets | 3.1778% | 522 |
| Net operating income to assets | -3.6216% | 7,532 |
| Return on assets (ROA) | -3.5276% | 7,517 |
| Pretax return on assets | -4.3750% | 7,617 |
| Return on Equity (ROE) | -72.4120% | 7,821 |
| Retained earnings to average equity (ytd only) | -72.4120% | 7,818 |
| Net charge-offs to loans | 3.4110% | 581 |
| Credit loss provision to net charge-offs | 117.2520% | 4,626 |
| Earnings coverage of net charge-offs (x) | -0.4846% | 6,681 |
| Efficiency ratio | 176.6625% | 196 |
| Assets per employee ($millions) | 4.6737% | 2,655 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.9615% | 370 |
| Loan loss allowance to noncurrent loans | 27.3300% | 6,650 |
| Noncurrent assets plus other real estate owned to assets | 15.1651% | 134 |
| Noncurrent loans to loans | 14.4949% | 188 |
| Net loans and leases to total assets | 74.1722% | 2,229 |
| Net loans and leases to deposits | 85.8985% | 2,934 |
| Net loans and leases to core deposits | 108.9897% | 2,999 |
| Total domestic deposits to total assets | 86.3487% | 2,841 |
| Equity capital to assets | 3.6939% | 7,880 |
| Core capital (leverage) ratio | 3.4807% | 7,875 |
| Tier 1 risk-based capital ratio | 5.0849% | 7,863 |
| Total risk-based capital ratio | 6.3720% | 7,864 |
| Memoranda: |
| Average total assets | $656,593,000 | 1,055 |
| Average earning assets | $590,247,200 | 1,066 |
| Average equity | $31,986,400 | 2,094 |
| Average total loans | $521,690,400 | 913 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3365% | 5,238 |
| Cost of funding earning assets | 3.3382% | 116 |
| Net interest margin | 1.9983% | 7,809 |
| Noninterest income to average assets | -0.6764% | 8,060 |
| Noninterest expense to average assets | 2.8941% | 4,477 |
| Loan and lease loss provision to assets | 3.1312% | 455 |
| Net operating income to assets | -4.8915% | 7,831 |
| Return on assets (ROA) | -4.7882% | 7,820 |
| Pretax return on assets | -4.8012% | 7,787 |
| Return on Equity (ROE) | -93.1279% | 7,999 |
| Retained earnings to average equity (ytd only) | -93.1279% | 7,998 |
| Net charge-offs to loans | 3.2630% | 492 |
| Credit loss provision to net charge-offs | 120.0061% | 4,226 |
| Earnings coverage of net charge-offs (x) | -0.6796% | 6,556 |
| Efficiency ratio | 258.2042% | 80 |
| Assets per employee ($millions) | 4.7749% | 2,435 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.5792% | 389 |
| Loan loss allowance to noncurrent loans | 23.4320% | 6,878 |
| Noncurrent assets plus other real estate owned to assets | 15.2562% | 115 |
| Noncurrent loans to loans | 15.2750% | 139 |
| Net loans and leases to total assets | 74.7162% | 2,311 |
| Net loans and leases to deposits | 85.4846% | 3,417 |
| Net loans and leases to core deposits | 106.7081% | 3,620 |
| Total domestic deposits to total assets | 87.4031% | 1,946 |
| Equity capital to assets | 3.3206% | 8,027 |
| Core capital (leverage) ratio | 3.1960% | 8,021 |
| Tier 1 risk-based capital ratio | 4.5963% | 8,013 |
| Total risk-based capital ratio | 5.8795% | 8,017 |
| Memoranda: |
| Average total assets | $667,677,500 | 1,046 |
| Average earning assets | $600,505,000 | 1,059 |
| Average equity | $34,329,000 | 1,981 |
| Average total loans | $533,899,250 | 909 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6702% | 3,715 |
| Cost of funding earning assets | 3.4187% | 141 |
| Net interest margin | 2.2516% | 7,713 |
| Noninterest income to average assets | -0.6860% | 8,143 |
| Noninterest expense to average assets | 2.8703% | 4,637 |
| Loan and lease loss provision to assets | 1.8605% | 879 |
| Net operating income to assets | -3.3970% | 7,747 |
| Return on assets (ROA) | -3.3069% | 7,727 |
| Pretax return on assets | -3.3263% | 7,638 |
| Return on Equity (ROE) | -57.6324% | 7,963 |
| Retained earnings to average equity (ytd only) | -57.6324% | 7,960 |
| Net charge-offs to loans | 2.8664% | 574 |
| Credit loss provision to net charge-offs | 80.3555% | 5,188 |
| Earnings coverage of net charge-offs (x) | -0.6724% | 6,146 |
| Efficiency ratio | 218.5286% | 164 |
| Assets per employee ($millions) | 4.7920% | 2,334 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.7012% | 747 |
| Loan loss allowance to noncurrent loans | 27.8748% | 6,641 |
| Noncurrent assets plus other real estate owned to assets | 11.1213% | 227 |
| Noncurrent loans to loans | 9.6904% | 372 |
| Net loans and leases to total assets | 77.0046% | 1,948 |
| Net loans and leases to deposits | 90.1656% | 2,811 |
| Net loans and leases to core deposits | 111.4015% | 3,214 |
| Total domestic deposits to total assets | 85.4035% | 3,061 |
| Equity capital to assets | 5.2100% | 8,025 |
| Core capital (leverage) ratio | 5.1296% | 8,017 |
| Tier 1 risk-based capital ratio | 7.0784% | 8,002 |
| Total risk-based capital ratio | 8.3491% | 8,007 |
| Memoranda: |
| Average total assets | $670,590,000 | 1,051 |
| Average earning assets | $595,497,670 | 1,086 |
| Average equity | $38,478,330 | 1,769 |
| Average total loans | $541,662,000 | 919 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.9028% | 2,782 |
| Cost of funding earning assets | 3.4254% | 182 |
| Net interest margin | 2.4774% | 7,527 |
| Noninterest income to average assets | -0.8074% | 8,209 |
| Noninterest expense to average assets | 2.7119% | 4,945 |
| Loan and lease loss provision to assets | 1.6249% | 768 |
| Net operating income to assets | -2.8879% | 7,826 |
| Return on assets (ROA) | -2.7747% | 7,813 |
| Pretax return on assets | -2.8132% | 7,721 |
| Return on Equity (ROE) | -46.2720% | 8,030 |
| Retained earnings to average equity (ytd only) | -46.2720% | 8,015 |
| Net charge-offs to loans | 1.8656% | 776 |
| Credit loss provision to net charge-offs | 106.7731% | 3,581 |
| Earnings coverage of net charge-offs (x) | -0.8560% | 5,337 |
| Efficiency ratio | 192.4338% | 213 |
| Assets per employee ($millions) | 4.8759% | 2,213 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.9004% | 527 |
| Loan loss allowance to noncurrent loans | 43.2370% | 5,645 |
| Noncurrent assets plus other real estate owned to assets | 7.9615% | 372 |
| Noncurrent loans to loans | 6.7082% | 625 |
| Net loans and leases to total assets | 78.2227% | 1,769 |
| Net loans and leases to deposits | 92.0261% | 2,599 |
| Net loans and leases to core deposits | 113.9870% | 3,010 |
| Total domestic deposits to total assets | 85.0006% | 3,209 |
| Equity capital to assets | 5.6363% | 8,051 |
| Core capital (leverage) ratio | 5.5282% | 8,078 |
| Tier 1 risk-based capital ratio | 7.5667% | 8,051 |
| Total risk-based capital ratio | 8.8404% | 8,063 |
| Memoranda: |
| Average total assets | $675,240,000 | 1,040 |
| Average earning assets | $604,190,000 | 1,063 |
| Average equity | $40,491,000 | 1,685 |
| Average total loans | $550,812,500 | 914 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.6936% | 2,045 |
| Cost of funding earning assets | 3.6599% | 308 |
| Net interest margin | 3.0337% | 6,826 |
| Noninterest income to average assets | -0.0727% | 8,190 |
| Noninterest expense to average assets | 3.3112% | 2,933 |
| Loan and lease loss provision to assets | 3.7451% | 192 |
| Net operating income to assets | -3.6575% | 7,936 |
| Return on assets (ROA) | -3.6521% | 7,914 |
| Pretax return on assets | -4.3036% | 7,943 |
| Return on Equity (ROE) | -44.8259% | 8,116 |
| Retained earnings to average equity (ytd only) | -44.8259% | 8,089 |
| Net charge-offs to loans | 2.8694% | 315 |
| Credit loss provision to net charge-offs | 153.8702% | 3,393 |
| Earnings coverage of net charge-offs (x) | -0.2321% | 6,386 |
| Efficiency ratio | 120.5692% | 564 |
| Assets per employee ($millions) | 4.7375% | 2,272 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.8188% | 511 |
| Loan loss allowance to noncurrent loans | 36.5567% | 6,284 |
| Noncurrent assets plus other real estate owned to assets | 9.0337% | 221 |
| Noncurrent loans to loans | 7.7107% | 364 |
| Net loans and leases to total assets | 80.2659% | 1,600 |
| Net loans and leases to deposits | 95.7952% | 2,474 |
| Net loans and leases to core deposits | 117.4322% | 2,955 |
| Total domestic deposits to total assets | 83.7890% | 3,437 |
| Equity capital to assets | 6.3595% | 7,974 |
| Core capital (leverage) ratio | 6.3263% | 7,981 |
| Tier 1 risk-based capital ratio | 8.2545% | 8,041 |
| Total risk-based capital ratio | 9.5268% | 8,081 |
| Memoranda: |
| Average total assets | $657,653,000 | 1,018 |
| Average earning assets | $611,109,800 | 993 |
| Average equity | $53,580,600 | 1,262 |
| Average total loans | $557,857,600 | 852 |
