| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6778% | 926 |
| Cost of funding earning assets | 0.9293% | 4,722 |
| Net interest margin | 4.7484% | 639 |
| Noninterest income to average assets | 0.6072% | 3,112 |
| Noninterest expense to average assets | 4.4678% | 611 |
| Loan and lease loss provision to assets | 0.4081% | 2,147 |
| Net operating income to assets | -0.1048% | 6,463 |
| Return on assets (ROA) | -0.0985% | 6,475 |
| Pretax return on assets | -0.1447% | 6,486 |
| Return on Equity (ROE) | -1.3303% | 6,531 |
| Retained earnings to average equity (ytd only) | -1.3303% | 6,052 |
| Net charge-offs to loans | 1.4174% | 966 |
| Credit loss provision to net charge-offs | 40.8942% | 3,930 |
| Earnings coverage of net charge-offs (x) | 0.2546% | 4,419 |
| Efficiency ratio | 94.6186% | 1,007 |
| Assets per employee ($millions) | 3.0022% | 6,136 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3317% | 4,984 |
| Loan loss allowance to noncurrent loans | 22.3799% | 6,675 |
| Noncurrent assets plus other real estate owned to assets | 7.1893% | 727 |
| Noncurrent loans to loans | 5.9505% | 1,068 |
| Net loans and leases to total assets | 68.4449% | 2,465 |
| Net loans and leases to deposits | 77.8833% | 3,077 |
| Net loans and leases to core deposits | 85.0213% | 3,029 |
| Total domestic deposits to total assets | 87.8814% | 2,437 |
| Equity capital to assets | 7.3907% | 6,928 |
| Core capital (leverage) ratio | 7.4341% | 6,768 |
| Tier 1 risk-based capital ratio | 10.1308% | 6,959 |
| Total risk-based capital ratio | 11.3809% | 6,961 |
| Memoranda: |
| Average total assets | $735,125,500 | 910 |
| Average earning assets | $637,011,500 | 951 |
| Average equity | $54,425,500 | 1,229 |
| Average total loans | $517,557,500 | 838 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.8313% | 1,196 |
| Cost of funding earning assets | 1.1167% | 5,041 |
| Net interest margin | 4.7146% | 796 |
| Noninterest income to average assets | 0.6934% | 2,878 |
| Noninterest expense to average assets | 4.4614% | 677 |
| Loan and lease loss provision to assets | 0.4945% | 3,181 |
| Net operating income to assets | -0.0408% | 5,915 |
| Return on assets (ROA) | 0.0206% | 5,908 |
| Pretax return on assets | -0.0079% | 5,907 |
| Return on Equity (ROE) | 0.2762% | 5,887 |
| Retained earnings to average equity (ytd only) | 0.2762% | 5,442 |
| Net charge-offs to loans | 1.3060% | 1,707 |
| Credit loss provision to net charge-offs | 51.8762% | 6,232 |
| Earnings coverage of net charge-offs (x) | 0.4100% | 5,697 |
| Efficiency ratio | 91.9454% | 1,187 |
| Assets per employee ($millions) | 3.0360% | 6,026 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5011% | 4,006 |
| Loan loss allowance to noncurrent loans | 23.1449% | 6,688 |
| Noncurrent assets plus other real estate owned to assets | 6.9960% | 783 |
| Noncurrent loans to loans | 6.4857% | 926 |
| Net loans and leases to total assets | 70.3680% | 2,441 |
| Net loans and leases to deposits | 80.0011% | 3,179 |
| Net loans and leases to core deposits | 88.2221% | 3,022 |
| Total domestic deposits to total assets | 87.9588% | 2,270 |
| Equity capital to assets | 7.4165% | 6,928 |
| Core capital (leverage) ratio | 7.4311% | 6,760 |
| Tier 1 risk-based capital ratio | 10.0789% | 6,944 |
| Total risk-based capital ratio | 11.3314% | 6,927 |
| Memoranda: |
| Average total assets | $749,189,600 | 902 |
| Average earning assets | $660,862,800 | 924 |
| Average equity | $55,758,000 | 1,194 |
| Average total loans | $546,880,400 | 824 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7901% | 1,425 |
| Cost of funding earning assets | 1.1483% | 5,159 |
| Net interest margin | 4.6418% | 959 |
| Noninterest income to average assets | 0.7316% | 2,629 |
| Noninterest expense to average assets | 4.4192% | 654 |
| Loan and lease loss provision to assets | 0.4817% | 3,062 |
| Net operating income to assets | -0.0622% | 6,127 |
| Return on assets (ROA) | 0.0363% | 6,047 |
| Pretax return on assets | 0.0407% | 6,020 |
| Return on Equity (ROE) | 0.4874% | 6,013 |
| Retained earnings to average equity (ytd only) | 0.4874% | 5,606 |
| Net charge-offs to loans | 1.1069% | 1,837 |
| Credit loss provision to net charge-offs | 59.3109% | 5,711 |
| Earnings coverage of net charge-offs (x) | 0.5070% | 5,515 |
| Efficiency ratio | 91.4763% | 1,174 |
| Assets per employee ($millions) | 3.0310% | 6,082 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7296% | 3,066 |
| Loan loss allowance to noncurrent loans | 24.7564% | 6,667 |
| Noncurrent assets plus other real estate owned to assets | 6.8679% | 792 |
| Noncurrent loans to loans | 6.9863% | 810 |
| Net loans and leases to total assets | 72.0101% | 2,247 |
| Net loans and leases to deposits | 82.1132% | 3,085 |
| Net loans and leases to core deposits | 90.8433% | 2,979 |
| Total domestic deposits to total assets | 87.6961% | 2,160 |
| Equity capital to assets | 7.5410% | 7,101 |
| Core capital (leverage) ratio | 7.4153% | 6,914 |
| Tier 1 risk-based capital ratio | 10.0172% | 7,060 |
| Total risk-based capital ratio | 11.2730% | 7,043 |
| Memoranda: |
| Average total assets | $752,811,500 | 896 |
| Average earning assets | $664,836,750 | 925 |
| Average equity | $56,075,250 | 1,182 |
| Average total loans | $552,382,000 | 817 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7641% | 1,520 |
| Cost of funding earning assets | 1.1858% | 5,205 |
| Net interest margin | 4.5783% | 1,043 |
| Noninterest income to average assets | 0.8056% | 2,086 |
| Noninterest expense to average assets | 4.3260% | 703 |
| Loan and lease loss provision to assets | 0.4555% | 3,044 |
| Net operating income to assets | 0.0515% | 5,986 |
| Return on assets (ROA) | 0.0784% | 6,030 |
| Pretax return on assets | 0.0977% | 5,985 |
| Return on Equity (ROE) | 1.0567% | 5,938 |
| Retained earnings to average equity (ytd only) | 1.0567% | 5,342 |
| Net charge-offs to loans | 1.2562% | 1,518 |
| Credit loss provision to net charge-offs | 49.3969% | 5,432 |
| Earnings coverage of net charge-offs (x) | 0.5635% | 5,170 |
| Efficiency ratio | 89.2769% | 1,395 |
| Assets per employee ($millions) | 3.0228% | 6,097 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7552% | 2,878 |
| Loan loss allowance to noncurrent loans | 26.5564% | 6,579 |
| Noncurrent assets plus other real estate owned to assets | 6.1889% | 931 |
| Noncurrent loans to loans | 6.6095% | 893 |
| Net loans and leases to total assets | 71.3417% | 2,580 |
| Net loans and leases to deposits | 81.7403% | 3,310 |
| Net loans and leases to core deposits | 91.5477% | 3,051 |
| Total domestic deposits to total assets | 87.2785% | 2,389 |
| Equity capital to assets | 7.5313% | 7,092 |
| Core capital (leverage) ratio | 7.4110% | 6,912 |
| Tier 1 risk-based capital ratio | 9.9411% | 7,060 |
| Total risk-based capital ratio | 11.1969% | 7,030 |
| Memoranda: |
| Average total assets | $755,204,670 | 896 |
| Average earning assets | $666,402,330 | 929 |
| Average equity | $56,024,330 | 1,176 |
| Average total loans | $554,382,670 | 829 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7545% | 1,612 |
| Cost of funding earning assets | 1.1779% | 5,521 |
| Net interest margin | 4.5766% | 996 |
| Noninterest income to average assets | 0.9325% | 1,508 |
| Noninterest expense to average assets | 4.3410% | 685 |
| Loan and lease loss provision to assets | 0.4749% | 2,601 |
| Net operating income to assets | 0.1082% | 5,998 |
| Return on assets (ROA) | 0.1082% | 6,106 |
| Pretax return on assets | 0.1599% | 5,995 |
| Return on Equity (ROE) | 1.4693% | 5,971 |
| Retained earnings to average equity (ytd only) | 1.4693% | 5,210 |
| Net charge-offs to loans | 0.5813% | 2,353 |
| Credit loss provision to net charge-offs | 110.7011% | 3,119 |
| Earnings coverage of net charge-offs (x) | 1.4797% | 3,845 |
| Efficiency ratio | 87.2415% | 1,662 |
| Assets per employee ($millions) | 3.0648% | 6,077 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0627% | 2,039 |
| Loan loss allowance to noncurrent loans | 27.5299% | 6,562 |
| Noncurrent assets plus other real estate owned to assets | 6.3208% | 920 |
| Noncurrent loans to loans | 7.4924% | 767 |
| Net loans and leases to total assets | 70.3889% | 2,832 |
| Net loans and leases to deposits | 80.0844% | 3,642 |
| Net loans and leases to core deposits | 89.3636% | 3,452 |
| Total domestic deposits to total assets | 87.8934% | 2,121 |
| Equity capital to assets | 7.2704% | 7,232 |
| Core capital (leverage) ratio | 7.3692% | 6,969 |
| Tier 1 risk-based capital ratio | 9.7565% | 7,175 |
| Total risk-based capital ratio | 11.0161% | 7,170 |
| Memoranda: |
| Average total assets | $757,980,000 | 916 |
| Average earning assets | $669,667,000 | 943 |
| Average equity | $55,807,000 | 1,193 |
| Average total loans | $559,388,500 | 845 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.2845% | 1,057 |
| Cost of funding earning assets | 1.5349% | 5,358 |
| Net interest margin | 4.7496% | 764 |
| Noninterest income to average assets | 0.8854% | 2,005 |
| Noninterest expense to average assets | 4.7597% | 627 |
| Loan and lease loss provision to assets | 1.5266% | 1,508 |
| Net operating income to assets | -0.6883% | 6,355 |
| Return on assets (ROA) | -0.6177% | 6,284 |
| Pretax return on assets | -1.0934% | 6,471 |
| Return on Equity (ROE) | -7.8749% | 6,459 |
| Retained earnings to average equity (ytd only) | -7.8749% | 6,336 |
| Net charge-offs to loans | 1.0075% | 2,399 |
| Credit loss provision to net charge-offs | 198.8530% | 1,974 |
| Earnings coverage of net charge-offs (x) | 0.4208% | 5,681 |
| Efficiency ratio | 93.6450% | 1,432 |
| Assets per employee ($millions) | 2.8609% | 6,540 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9997% | 2,029 |
| Loan loss allowance to noncurrent loans | 25.0965% | 6,790 |
| Noncurrent assets plus other real estate owned to assets | 7.1366% | 701 |
| Noncurrent loans to loans | 7.9679% | 634 |
| Net loans and leases to total assets | 74.2713% | 2,209 |
| Net loans and leases to deposits | 84.9033% | 3,102 |
| Net loans and leases to core deposits | 113.7215% | 2,528 |
| Total domestic deposits to total assets | 87.4775% | 2,232 |
| Equity capital to assets | 7.4575% | 7,062 |
| Core capital (leverage) ratio | 7.1786% | 7,089 |
| Tier 1 risk-based capital ratio | 9.5766% | 7,180 |
| Total risk-based capital ratio | 10.8355% | 7,154 |
| Memoranda: |
| Average total assets | $749,517,200 | 912 |
| Average earning assets | $662,377,600 | 934 |
| Average equity | $58,794,400 | 1,126 |
| Average total loans | $571,108,800 | 834 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.3203% | 1,087 |
| Cost of funding earning assets | 1.5693% | 5,546 |
| Net interest margin | 4.7510% | 756 |
| Noninterest income to average assets | 0.9503% | 1,778 |
| Noninterest expense to average assets | 4.6074% | 656 |
| Loan and lease loss provision to assets | 1.2105% | 1,604 |
| Net operating income to assets | -0.4132% | 6,335 |
| Return on assets (ROA) | -0.3210% | 6,242 |
| Pretax return on assets | -0.5218% | 6,325 |
| Return on Equity (ROE) | -4.0421% | 6,342 |
| Retained earnings to average equity (ytd only) | -4.0421% | 6,115 |
| Net charge-offs to loans | 1.0787% | 1,846 |
| Credit loss provision to net charge-offs | 147.0741% | 3,291 |
| Earnings coverage of net charge-offs (x) | 0.6616% | 5,369 |
| Efficiency ratio | 89.4305% | 1,742 |
| Assets per employee ($millions) | 2.7591% | 6,717 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3821% | 4,040 |
| Loan loss allowance to noncurrent loans | 21.7255% | 6,998 |
| Noncurrent assets plus other real estate owned to assets | 5.9623% | 908 |
| Noncurrent loans to loans | 6.3617% | 916 |
| Net loans and leases to total assets | 74.7948% | 2,293 |
| Net loans and leases to deposits | 85.9951% | 3,315 |
| Net loans and leases to core deposits | 120.9400% | 2,161 |
| Total domestic deposits to total assets | 86.9756% | 2,195 |
| Equity capital to assets | 7.9061% | 6,942 |
| Core capital (leverage) ratio | 7.9999% | 6,357 |
| Tier 1 risk-based capital ratio | 10.3487% | 6,622 |
| Total risk-based capital ratio | 11.6002% | 6,563 |
| Memoranda: |
| Average total assets | $750,222,750 | 923 |
| Average earning assets | $663,473,750 | 943 |
| Average equity | $59,571,750 | 1,130 |
| Average total loans | $572,412,000 | 851 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.3656% | 1,066 |
| Cost of funding earning assets | 1.6131% | 5,693 |
| Net interest margin | 4.7525% | 727 |
| Noninterest income to average assets | 1.0705% | 1,385 |
| Noninterest expense to average assets | 4.6238% | 677 |
| Loan and lease loss provision to assets | 1.4405% | 1,205 |
| Net operating income to assets | -0.6703% | 6,723 |
| Return on assets (ROA) | -0.4891% | 6,546 |
| Pretax return on assets | -0.5827% | 6,506 |
| Return on Equity (ROE) | -6.1509% | 6,725 |
| Retained earnings to average equity (ytd only) | -6.1509% | 6,470 |
| Net charge-offs to loans | 1.1202% | 1,621 |
| Credit loss provision to net charge-offs | 168.1988% | 2,735 |
| Earnings coverage of net charge-offs (x) | 0.7497% | 4,979 |
| Efficiency ratio | 87.8075% | 2,038 |
| Assets per employee ($millions) | 2.6426% | 6,970 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3897% | 3,780 |
| Loan loss allowance to noncurrent loans | 25.9751% | 6,773 |
| Noncurrent assets plus other real estate owned to assets | 5.0046% | 1,062 |
| Noncurrent loans to loans | 5.3503% | 1,104 |
| Net loans and leases to total assets | 74.7716% | 2,502 |
| Net loans and leases to deposits | 85.6269% | 3,617 |
| Net loans and leases to core deposits | 118.5041% | 2,499 |
| Total domestic deposits to total assets | 87.3226% | 2,090 |
| Equity capital to assets | 7.8036% | 6,975 |
| Core capital (leverage) ratio | 7.7447% | 6,679 |
| Tier 1 risk-based capital ratio | 10.4526% | 6,424 |
| Total risk-based capital ratio | 11.7044% | 6,370 |
| Memoranda: |
| Average total assets | $751,975,000 | 933 |
| Average earning assets | $663,818,670 | 961 |
| Average equity | $59,796,330 | 1,135 |
| Average total loans | $574,881,000 | 864 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.3339% | 1,206 |
| Cost of funding earning assets | 1.5555% | 6,210 |
| Net interest margin | 4.7784% | 637 |
| Noninterest income to average assets | 0.9690% | 1,570 |
| Noninterest expense to average assets | 4.5499% | 678 |
| Loan and lease loss provision to assets | 0.4361% | 2,747 |
| Net operating income to assets | 0.1390% | 5,863 |
| Return on assets (ROA) | 0.2199% | 5,762 |
| Pretax return on assets | 0.3225% | 5,615 |
| Return on Equity (ROE) | 2.7404% | 5,478 |
| Retained earnings to average equity (ytd only) | 2.7404% | 4,361 |
| Net charge-offs to loans | 0.4628% | 2,289 |
| Credit loss provision to net charge-offs | 122.7679% | 3,219 |
| Earnings coverage of net charge-offs (x) | 1.8006% | 3,832 |
| Efficiency ratio | 87.6744% | 1,919 |
| Assets per employee ($millions) | 2.7075% | 6,871 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0020% | 6,160 |
| Loan loss allowance to noncurrent loans | 19.3107% | 7,203 |
| Noncurrent assets plus other real estate owned to assets | 4.4053% | 1,102 |
| Noncurrent loans to loans | 5.1886% | 1,028 |
| Net loans and leases to total assets | 74.2958% | 2,685 |
| Net loans and leases to deposits | 85.8328% | 3,662 |
| Net loans and leases to core deposits | 116.5364% | 2,736 |
| Total domestic deposits to total assets | 86.5587% | 2,420 |
| Equity capital to assets | 7.9109% | 6,947 |
| Core capital (leverage) ratio | 8.4285% | 5,664 |
| Tier 1 risk-based capital ratio | 10.9031% | 5,991 |
| Total risk-based capital ratio | 11.9391% | 6,109 |
| Memoranda: |
| Average total assets | $756,681,000 | 925 |
| Average earning assets | $668,341,500 | 954 |
| Average equity | $60,721,000 | 1,132 |
| Average total loans | $580,796,000 | 859 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.4146% | 481 |
| Cost of funding earning assets | 2.2570% | 5,343 |
| Net interest margin | 5.1576% | 369 |
| Noninterest income to average assets | 0.6998% | 3,121 |
| Noninterest expense to average assets | 4.7591% | 732 |
| Loan and lease loss provision to assets | 0.3747% | 3,437 |
| Net operating income to assets | 0.1321% | 6,021 |
| Return on assets (ROA) | 0.1543% | 5,797 |
| Pretax return on assets | 0.1018% | 5,938 |
| Return on Equity (ROE) | 1.9588% | 5,631 |
| Retained earnings to average equity (ytd only) | 1.9588% | 4,012 |
| Net charge-offs to loans | 0.3930% | 2,850 |
| Credit loss provision to net charge-offs | 121.8506% | 4,409 |
| Earnings coverage of net charge-offs (x) | 1.4774% | 5,367 |
| Efficiency ratio | 91.2857% | 1,425 |
| Assets per employee ($millions) | 2.6492% | 6,889 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9630% | 6,317 |
| Loan loss allowance to noncurrent loans | 20.1568% | 7,233 |
| Noncurrent assets plus other real estate owned to assets | 4.1924% | 950 |
| Noncurrent loans to loans | 4.7776% | 961 |
| Net loans and leases to total assets | 77.7638% | 2,202 |
| Net loans and leases to deposits | 90.6459% | 3,342 |
| Net loans and leases to core deposits | 115.6192% | 3,161 |
| Total domestic deposits to total assets | 85.7885% | 2,501 |
| Equity capital to assets | 8.1421% | 6,641 |
| Core capital (leverage) ratio | 8.5661% | 5,455 |
| Tier 1 risk-based capital ratio | 10.5433% | 6,164 |
| Total risk-based capital ratio | 11.5253% | 6,318 |
| Memoranda: |
| Average total assets | $748,608,000 | 896 |
| Average earning assets | $655,124,800 | 927 |
| Average equity | $58,964,600 | 1,139 |
| Average total loans | $585,677,400 | 818 |
