| 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 | 4.4546% | 7,561 |
| Cost of funding earning assets | 3.4763% | 77 |
| Net interest margin | 0.9782% | 8,024 |
| Noninterest income to average assets | -0.2604% | 8,002 |
| Noninterest expense to average assets | 2.7060% | 5,297 |
| Loan and lease loss provision to assets | 1.7810% | 1,039 |
| Net operating income to assets | -5.1692% | 7,860 |
| Return on assets (ROA) | -5.1692% | 7,858 |
| Pretax return on assets | -4.0041% | 7,689 |
| Return on Equity (ROE) | -73.7337% | 7,941 |
| Retained earnings to average equity (ytd only) | -73.7337% | 7,940 |
| Net charge-offs to loans | 4.0618% | 341 |
| Credit loss provision to net charge-offs | 79.9086% | 5,769 |
| Earnings coverage of net charge-offs (x) | -0.9975% | 6,629 |
| Efficiency ratio | 560.3751% | 30 |
| Assets per employee ($millions) | 7.6455% | 596 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2776% | 1,321 |
| Loan loss allowance to noncurrent loans | 16.9680% | 7,242 |
| Noncurrent assets plus other real estate owned to assets | 31.0312% | 7 |
| Noncurrent loans to loans | 13.4229% | 205 |
| Net loans and leases to total assets | 51.1103% | 6,693 |
| Net loans and leases to deposits | 56.3932% | 7,062 |
| Net loans and leases to core deposits | 80.1955% | 6,337 |
| Total domestic deposits to total assets | 90.6321% | 544 |
| Equity capital to assets | 6.0384% | 7,856 |
| Core capital (leverage) ratio | 4.9302% | 7,926 |
| Tier 1 risk-based capital ratio | 6.9912% | 7,894 |
| Total risk-based capital ratio | 8.2439% | 7,898 |
| Memoranda: |
| Average total assets | $235,517,500 | 2,776 |
| Average earning assets | $178,958,000 | 3,249 |
| Average equity | $16,511,250 | 3,806 |
| Average total loans | $129,234,500 | 3,312 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3878% | 7,719 |
| Cost of funding earning assets | 3.4889% | 117 |
| Net interest margin | 0.8988% | 8,112 |
| Noninterest income to average assets | 0.2316% | 6,626 |
| Noninterest expense to average assets | 2.5423% | 5,974 |
| Loan and lease loss provision to assets | 1.5603% | 1,090 |
| Net operating income to assets | -1.9558% | 7,419 |
| Return on assets (ROA) | -1.9558% | 7,414 |
| Pretax return on assets | -3.1752% | 7,609 |
| Return on Equity (ROE) | -26.8533% | 7,658 |
| Retained earnings to average equity (ytd only) | -26.8533% | 7,628 |
| Net charge-offs to loans | 4.0814% | 342 |
| Credit loss provision to net charge-offs | 68.7635% | 5,442 |
| Earnings coverage of net charge-offs (x) | -0.7117% | 6,153 |
| Efficiency ratio | 274.1425% | 95 |
| Assets per employee ($millions) | 8.9864% | 355 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8988% | 1,797 |
| Loan loss allowance to noncurrent loans | 11.9151% | 7,459 |
| Noncurrent assets plus other real estate owned to assets | 26.1019% | 20 |
| Noncurrent loans to loans | 15.9363% | 114 |
| Net loans and leases to total assets | 52.6489% | 6,609 |
| Net loans and leases to deposits | 59.7592% | 6,907 |
| Net loans and leases to core deposits | 83.0393% | 6,158 |
| Total domestic deposits to total assets | 88.1017% | 1,711 |
| Equity capital to assets | 7.2344% | 7,461 |
| Core capital (leverage) ratio | 5.1363% | 8,015 |
| Tier 1 risk-based capital ratio | 7.2583% | 7,984 |
| Total risk-based capital ratio | 8.5099% | 7,992 |
| Memoranda: |
| Average total assets | $245,214,000 | 2,697 |
| Average earning assets | $189,800,330 | 3,143 |
| Average equity | $17,860,000 | 3,571 |
| Average total loans | $136,324,330 | 3,222 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3878% | 7,806 |
| Cost of funding earning assets | 3.5006% | 152 |
| Net interest margin | 0.8872% | 8,173 |
| Noninterest income to average assets | 0.5546% | 3,884 |
| Noninterest expense to average assets | 2.4893% | 5,879 |
| Loan and lease loss provision to assets | 1.9634% | 620 |
| Net operating income to assets | -1.9697% | 7,651 |
| Return on assets (ROA) | -1.9697% | 7,651 |
| Pretax return on assets | -3.1968% | 7,790 |
| Return on Equity (ROE) | -26.9597% | 7,873 |
| Retained earnings to average equity (ytd only) | -26.9597% | 7,815 |
| Net charge-offs to loans | 4.9510% | 219 |
| Credit loss provision to net charge-offs | 70.1994% | 4,348 |
| Earnings coverage of net charge-offs (x) | -0.4410% | 5,233 |
| Efficiency ratio | 198.2234% | 190 |
| Assets per employee ($millions) | 7.2495% | 692 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0165% | 1,378 |
| Loan loss allowance to noncurrent loans | 12.5212% | 7,473 |
| Noncurrent assets plus other real estate owned to assets | 23.4423% | 21 |
| Noncurrent loans to loans | 16.1046% | 79 |
| Net loans and leases to total assets | 52.2232% | 6,662 |
| Net loans and leases to deposits | 60.6963% | 6,831 |
| Net loans and leases to core deposits | 82.2005% | 6,224 |
| Total domestic deposits to total assets | 86.0401% | 2,697 |
| Equity capital to assets | 7.6434% | 7,228 |
| Core capital (leverage) ratio | 7.2187% | 7,463 |
| Tier 1 risk-based capital ratio | 10.2617% | 6,630 |
| Total risk-based capital ratio | 11.5151% | 6,548 |
| Memoranda: |
| Average total assets | $250,998,000 | 2,631 |
| Average earning assets | $198,367,500 | 3,037 |
| Average equity | $18,338,500 | 3,510 |
| Average total loans | $141,790,000 | 3,138 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.7856% | 1,732 |
| Cost of funding earning assets | 3.3672% | 766 |
| Net interest margin | 3.4183% | 5,585 |
| Noninterest income to average assets | 0.3474% | 5,958 |
| Noninterest expense to average assets | 2.8329% | 4,682 |
| Loan and lease loss provision to assets | 7.5662% | 33 |
| Net operating income to assets | -4.3730% | 8,036 |
| Return on assets (ROA) | -4.3730% | 8,022 |
| Pretax return on assets | -7.1201% | 8,167 |
| Return on Equity (ROE) | -56.3997% | 8,183 |
| Retained earnings to average equity (ytd only) | -60.1098% | 8,192 |
| Net charge-offs to loans | 8.8629% | 19 |
| Credit loss provision to net charge-offs | 109.5476% | 4,913 |
| Earnings coverage of net charge-offs (x) | 0.0646% | 6,211 |
| Efficiency ratio | 86.3949% | 1,817 |
| Assets per employee ($millions) | 6.7098% | 808 |
| Cash dividends to net income (ytd only)* | -6.5783% | 7,783 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1908% | 958 |
| Loan loss allowance to noncurrent loans | 15.6085% | 7,378 |
| Noncurrent assets plus other real estate owned to assets | 20.8236% | 24 |
| Noncurrent loans to loans | 14.0362% | 81 |
| Net loans and leases to total assets | 58.4443% | 6,136 |
| Net loans and leases to deposits | 69.0896% | 6,365 |
| Net loans and leases to core deposits | 88.1452% | 5,963 |
| Total domestic deposits to total assets | 84.5921% | 3,031 |
| Equity capital to assets | 6.9616% | 7,754 |
| Core capital (leverage) ratio | 6.7398% | 7,844 |
| Tier 1 risk-based capital ratio | 8.8463% | 7,879 |
| Total risk-based capital ratio | 10.1034% | 7,913 |
| Memoranda: |
| Average total assets | $225,953,000 | 2,819 |
| Average earning assets | $193,778,800 | 2,984 |
| Average equity | $17,519,600 | 3,640 |
| Average total loans | $176,081,800 | 2,547 |
