| 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 | 5.7441% | 1,577 |
| Cost of funding earning assets | 1.8354% | 1,511 |
| Net interest margin | 3.9087% | 3,404 |
| Noninterest income to average assets | 0.3520% | 5,329 |
| Noninterest expense to average assets | 4.1099% | 912 |
| Loan and lease loss provision to assets | 0.7516% | 1,923 |
| Net operating income to assets | -0.8382% | 6,881 |
| Return on assets (ROA) | -0.7488% | 6,849 |
| Pretax return on assets | -0.7488% | 6,753 |
| Return on Equity (ROE) | -11.5120% | 7,020 |
| Retained earnings to average equity (ytd only) | -11.5120% | 6,977 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.1528% | 730 |
| Assets per employee ($millions) | 3.0165% | 6,115 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9442% | 2,316 |
| Loan loss allowance to noncurrent loans | 106.4655% | 2,616 |
| Noncurrent assets plus other real estate owned to assets | 1.2819% | 4,586 |
| Noncurrent loans to loans | 1.8262% | 3,968 |
| Net loans and leases to total assets | 68.8293% | 3,164 |
| Net loans and leases to deposits | 82.3130% | 3,217 |
| Net loans and leases to core deposits | 85.3003% | 3,936 |
| Total domestic deposits to total assets | 83.6190% | 4,284 |
| Equity capital to assets | 6.5737% | 7,461 |
| Core capital (leverage) ratio | 6.0399% | 7,476 |
| Tier 1 risk-based capital ratio | 9.0002% | 7,416 |
| Total risk-based capital ratio | 10.2586% | 7,426 |
| Memoranda: |
| Average total assets | $71,584,000 | 5,932 |
| Average earning assets | $67,234,670 | 5,854 |
| Average equity | $4,656,000 | 6,888 |
| Average total loans | $50,421,670 | 5,584 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7244% | 1,688 |
| Cost of funding earning assets | 1.9061% | 1,422 |
| Net interest margin | 3.8183% | 3,715 |
| Noninterest income to average assets | 0.3372% | 5,447 |
| Noninterest expense to average assets | 3.9731% | 1,069 |
| Loan and lease loss provision to assets | 0.1911% | 4,587 |
| Net operating income to assets | -0.2585% | 6,611 |
| Return on assets (ROA) | -0.2585% | 6,675 |
| Pretax return on assets | -0.2585% | 6,604 |
| Return on Equity (ROE) | -3.9961% | 6,819 |
| Retained earnings to average equity (ytd only) | -3.9961% | 6,494 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.7266% | 793 |
| Assets per employee ($millions) | 3.1568% | 5,870 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4906% | 3,953 |
| Loan loss allowance to noncurrent loans | 81.1422% | 3,368 |
| Noncurrent assets plus other real estate owned to assets | 1.2781% | 4,619 |
| Noncurrent loans to loans | 1.8371% | 4,015 |
| Net loans and leases to total assets | 68.5361% | 3,270 |
| Net loans and leases to deposits | 81.6922% | 3,337 |
| Net loans and leases to core deposits | 83.8309% | 4,228 |
| Total domestic deposits to total assets | 83.8955% | 4,193 |
| Equity capital to assets | 6.3809% | 7,556 |
| Core capital (leverage) ratio | 6.5112% | 7,464 |
| Tier 1 risk-based capital ratio | 9.1418% | 7,447 |
| Total risk-based capital ratio | 10.3951% | 7,456 |
| Memoranda: |
| Average total assets | $71,178,500 | 6,018 |
| Average earning assets | $66,522,000 | 5,952 |
| Average equity | $4,604,500 | 6,972 |
| Average total loans | $50,224,000 | 5,658 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.9279% | 2,138 |
| Cost of funding earning assets | 2.5498% | 894 |
| Net interest margin | 3.3782% | 5,454 |
| Noninterest income to average assets | 0.4072% | 5,141 |
| Noninterest expense to average assets | 5.4064% | 410 |
| Loan and lease loss provision to assets | 0.6335% | 3,273 |
| Net operating income to assets | -2.5641% | 7,285 |
| Return on assets (ROA) | -2.3010% | 7,199 |
| Pretax return on assets | -2.3010% | 7,066 |
| Return on Equity (ROE) | -28.1410% | 7,365 |
| Retained earnings to average equity (ytd only) | -28.1410% | 7,347 |
| Net charge-offs to loans | 0.2910% | 4,816 |
| Credit loss provision to net charge-offs | 304.8387% | 1,083 |
| Earnings coverage of net charge-offs (x) | -9.2903% | 7,157 |
| Efficiency ratio | 155.5448% | 278 |
| Assets per employee ($millions) | 2.4911% | 7,215 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4399% | 4,031 |
| Loan loss allowance to noncurrent loans | 76.4894% | 3,574 |
| Noncurrent assets plus other real estate owned to assets | 1.3477% | 4,402 |
| Noncurrent loans to loans | 1.8825% | 3,825 |
| Net loans and leases to total assets | 70.5577% | 3,112 |
| Net loans and leases to deposits | 82.6848% | 3,507 |
| Net loans and leases to core deposits | 108.8300% | 3,018 |
| Total domestic deposits to total assets | 85.3333% | 3,392 |
| Equity capital to assets | 6.5606% | 7,548 |
| Core capital (leverage) ratio | 6.6137% | 7,440 |
| Tier 1 risk-based capital ratio | 9.3219% | 7,319 |
| Total risk-based capital ratio | 10.5747% | 7,302 |
| Memoranda: |
| Average total assets | $59,670,000 | 6,362 |
| Average earning assets | $54,201,200 | 6,367 |
| Average equity | $4,879,000 | 6,989 |
| Average total loans | $42,619,000 | 5,996 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.9232% | 2,344 |
| Cost of funding earning assets | 2.5789% | 1,078 |
| Net interest margin | 3.3443% | 5,468 |
| Noninterest income to average assets | 0.4246% | 5,095 |
| Noninterest expense to average assets | 5.7625% | 338 |
| Loan and lease loss provision to assets | 0.7326% | 2,549 |
| Net operating income to assets | -3.0632% | 7,600 |
| Return on assets (ROA) | -2.8322% | 7,554 |
| Pretax return on assets | -2.8322% | 7,457 |
| Return on Equity (ROE) | -32.6682% | 7,655 |
| Retained earnings to average equity (ytd only) | -32.6682% | 7,646 |
| Net charge-offs to loans | 0.3955% | 3,682 |
| Credit loss provision to net charge-offs | 259.5041% | 1,649 |
| Earnings coverage of net charge-offs (x) | -8.2562% | 6,894 |
| Efficiency ratio | 167.9130% | 246 |
| Assets per employee ($millions) | 2.5866% | 7,077 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4301% | 3,780 |
| Loan loss allowance to noncurrent loans | 139.7028% | 2,028 |
| Noncurrent assets plus other real estate owned to assets | 0.6744% | 5,796 |
| Noncurrent loans to loans | 1.0236% | 5,261 |
| Net loans and leases to total assets | 64.9408% | 4,662 |
| Net loans and leases to deposits | 76.1625% | 5,008 |
| Net loans and leases to core deposits | 104.3388% | 3,891 |
| Total domestic deposits to total assets | 85.2661% | 3,092 |
| Equity capital to assets | 6.5723% | 7,746 |
| Core capital (leverage) ratio | 6.8187% | 7,534 |
| Tier 1 risk-based capital ratio | 8.9552% | 7,636 |
| Total risk-based capital ratio | 10.2060% | 7,659 |
| Memoranda: |
| Average total assets | $57,150,000 | 6,498 |
| Average earning assets | $51,389,500 | 6,523 |
| Average equity | $4,954,750 | 7,017 |
| Average total loans | $40,790,500 | 6,117 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.0360% | 2,030 |
| Cost of funding earning assets | 2.5587% | 1,409 |
| Net interest margin | 3.4773% | 4,907 |
| Noninterest income to average assets | 0.4573% | 4,803 |
| Noninterest expense to average assets | 6.3907% | 280 |
| Loan and lease loss provision to assets | 0.7823% | 2,126 |
| Net operating income to assets | -3.5827% | 7,774 |
| Return on assets (ROA) | -3.3635% | 7,743 |
| Pretax return on assets | -3.3635% | 7,651 |
| Return on Equity (ROE) | -35.0647% | 7,787 |
| Retained earnings to average equity (ytd only) | -35.0647% | 7,767 |
| Net charge-offs to loans | 0.5941% | 2,560 |
| Credit loss provision to net charge-offs | 178.4483% | 2,568 |
| Earnings coverage of net charge-offs (x) | -6.3879% | 6,482 |
| Efficiency ratio | 178.0000% | 256 |
| Assets per employee ($millions) | 2.1891% | 7,687 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2854% | 4,363 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 72.2419% | 3,152 |
| Net loans and leases to deposits | 87.5018% | 3,264 |
| Net loans and leases to core deposits | 114.5601% | 2,850 |
| Total domestic deposits to total assets | 82.5604% | 4,447 |
| Equity capital to assets | 7.8028% | 6,978 |
| Core capital (leverage) ratio | 8.3685% | 5,680 |
| Tier 1 risk-based capital ratio | 10.1104% | 6,814 |
| Total risk-based capital ratio | 11.3312% | 6,767 |
| Memoranda: |
| Average total assets | $52,920,330 | 6,700 |
| Average earning assets | $47,680,330 | 6,720 |
| Average equity | $5,076,330 | 7,033 |
| Average total loans | $39,050,000 | 6,245 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.9977% | 2,377 |
| Cost of funding earning assets | 2.5590% | 1,707 |
| Net interest margin | 3.4387% | 4,978 |
| Noninterest income to average assets | 0.4255% | 5,000 |
| Noninterest expense to average assets | 6.8316% | 212 |
| Loan and lease loss provision to assets | 0.9633% | 1,346 |
| Net operating income to assets | -4.2627% | 8,003 |
| Return on assets (ROA) | -4.2627% | 7,998 |
| Pretax return on assets | -4.2627% | 7,935 |
| Return on Equity (ROE) | -40.0113% | 7,986 |
| Retained earnings to average equity (ytd only) | -40.0113% | 7,964 |
| Net charge-offs to loans | 1.0393% | 1,301 |
| Credit loss provision to net charge-offs | 125.0000% | 3,173 |
| Earnings coverage of net charge-offs (x) | -4.2813% | 5,550 |
| Efficiency ratio | 193.4091% | 210 |
| Assets per employee ($millions) | 2.0371% | 7,869 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2809% | 4,189 |
| Loan loss allowance to noncurrent loans | 652.0000% | 552 |
| Noncurrent assets plus other real estate owned to assets | 0.1416% | 7,154 |
| Noncurrent loans to loans | 0.1965% | 6,969 |
| Net loans and leases to total assets | 71.1559% | 3,434 |
| Net loans and leases to deposits | 87.2162% | 3,434 |
| Net loans and leases to core deposits | 109.7019% | 3,474 |
| Total domestic deposits to total assets | 81.5856% | 4,716 |
| Equity capital to assets | 9.6311% | 4,481 |
| Core capital (leverage) ratio | 10.0410% | 3,362 |
| Tier 1 risk-based capital ratio | 12.1405% | 4,831 |
| Total risk-based capital ratio | 13.3353% | 4,785 |
| Memoranda: |
| Average total assets | $49,827,000 | 6,876 |
| Average earning assets | $45,017,500 | 6,881 |
| Average equity | $5,308,500 | 7,006 |
| Average total loans | $36,947,000 | 6,381 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.2462% | 4,263 |
| Cost of funding earning assets | 2.5873% | 3,745 |
| Net interest margin | 3.6589% | 4,646 |
| Noninterest income to average assets | 0.3951% | 5,511 |
| Noninterest expense to average assets | 7.4678% | 261 |
| Loan and lease loss provision to assets | 0.4225% | 3,164 |
| Net operating income to assets | -4.1178% | 8,000 |
| Return on assets (ROA) | -4.1178% | 7,989 |
| Pretax return on assets | -4.1178% | 7,912 |
| Return on Equity (ROE) | -27.9927% | 7,918 |
| Retained earnings to average equity (ytd only) | -27.9927% | 7,869 |
| Net charge-offs to loans | 0.0459% | 6,131 |
| Credit loss provision to net charge-offs | 1,307.6923% | 344 |
| Earnings coverage of net charge-offs (x) | -114.3846% | 7,011 |
| Efficiency ratio | 197.9578% | 204 |
| Assets per employee ($millions) | 1.7958% | 8,043 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3019% | 3,768 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 75.5044% | 2,761 |
| Net loans and leases to deposits | 96.4567% | 2,376 |
| Net loans and leases to core deposits | 125.2282% | 2,232 |
| Total domestic deposits to total assets | 78.2780% | 5,622 |
| Equity capital to assets | 11.8141% | 2,418 |
| Core capital (leverage) ratio | 12.0193% | 1,954 |
| Tier 1 risk-based capital ratio | 14.3714% | 3,350 |
| Total risk-based capital ratio | 15.5939% | 3,290 |
| Memoranda: |
| Average total assets | $40,239,600 | 7,202 |
| Average earning assets | $37,142,600 | 7,184 |
| Average equity | $5,919,400 | 6,837 |
| Average total loans | $28,322,000 | 6,817 |
