| 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 | 5.1027% | 4,512 |
| Cost of funding earning assets | 1.2010% | 5,401 |
| Net interest margin | 3.9017% | 3,316 |
| Noninterest income to average assets | 0.6660% | 2,841 |
| Noninterest expense to average assets | 2.5085% | 5,693 |
| Loan and lease loss provision to assets | 0.9399% | 1,340 |
| Net operating income to assets | 0.5647% | 4,057 |
| Return on assets (ROA) | 0.5647% | 4,203 |
| Pretax return on assets | 0.8634% | 3,613 |
| Return on Equity (ROE) | 6.7085% | 3,508 |
| Retained earnings to average equity (ytd only) | 6.7085% | 2,268 |
| Net charge-offs to loans | 0.7735% | 1,965 |
| Credit loss provision to net charge-offs | 158.1958% | 2,269 |
| Earnings coverage of net charge-offs (x) | 3.0352% | 3,038 |
| Efficiency ratio | 58.1780% | 6,464 |
| Assets per employee ($millions) | 5.7278% | 1,472 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3695% | 1,464 |
| Loan loss allowance to noncurrent loans | 87.2704% | 3,148 |
| Noncurrent assets plus other real estate owned to assets | 2.2532% | 3,210 |
| Noncurrent loans to loans | 2.7152% | 2,947 |
| Net loans and leases to total assets | 73.7900% | 2,016 |
| Net loans and leases to deposits | 86.5228% | 2,501 |
| Net loans and leases to core deposits | 104.8357% | 1,668 |
| Total domestic deposits to total assets | 85.2839% | 3,519 |
| Equity capital to assets | 8.4757% | 6,035 |
| Core capital (leverage) ratio | 8.2781% | 5,781 |
| Tier 1 risk-based capital ratio | 10.7871% | 6,358 |
| Total risk-based capital ratio | 12.0509% | 6,324 |
| Memoranda: |
| Average total assets | $611,990,000 | 1,121 |
| Average earning assets | $571,853,500 | 1,099 |
| Average equity | $51,516,500 | 1,298 |
| Average total loans | $470,096,500 | 1,005 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1814% | 5,735 |
| Cost of funding earning assets | 1.5796% | 5,130 |
| Net interest margin | 3.6018% | 4,548 |
| Noninterest income to average assets | 0.4330% | 4,926 |
| Noninterest expense to average assets | 2.4159% | 6,419 |
| Loan and lease loss provision to assets | 3.1729% | 523 |
| Net operating income to assets | -1.0539% | 6,615 |
| Return on assets (ROA) | -1.0302% | 6,595 |
| Pretax return on assets | -1.7271% | 6,831 |
| Return on Equity (ROE) | -13.3004% | 6,848 |
| Retained earnings to average equity (ytd only) | -14.5652% | 6,859 |
| Net charge-offs to loans | 4.1620% | 380 |
| Credit loss provision to net charge-offs | 96.8641% | 5,736 |
| Earnings coverage of net charge-offs (x) | 0.4301% | 5,673 |
| Efficiency ratio | 63.1657% | 5,936 |
| Assets per employee ($millions) | 5.7113% | 1,451 |
| Cash dividends to net income (ytd only)* | -9.5099% | 7,605 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1902% | 1,668 |
| Loan loss allowance to noncurrent loans | 62.9224% | 4,251 |
| Noncurrent assets plus other real estate owned to assets | 2.9224% | 2,395 |
| Noncurrent loans to loans | 3.4809% | 2,185 |
| Net loans and leases to total assets | 76.3419% | 1,722 |
| Net loans and leases to deposits | 89.6403% | 2,274 |
| Net loans and leases to core deposits | 122.1679% | 1,765 |
| Total domestic deposits to total assets | 85.1648% | 3,475 |
| Equity capital to assets | 8.3599% | 6,114 |
| Core capital (leverage) ratio | 8.1349% | 5,938 |
| Tier 1 risk-based capital ratio | 10.1217% | 6,773 |
| Total risk-based capital ratio | 11.3829% | 6,726 |
| Memoranda: |
| Average total assets | $631,816,800 | 1,099 |
| Average earning assets | $594,954,600 | 1,054 |
| Average equity | $48,938,400 | 1,374 |
| Average total loans | $497,263,400 | 965 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1719% | 6,002 |
| Cost of funding earning assets | 1.6560% | 5,128 |
| Net interest margin | 3.5159% | 4,802 |
| Noninterest income to average assets | 0.3841% | 5,445 |
| Noninterest expense to average assets | 2.4512% | 6,244 |
| Loan and lease loss provision to assets | 3.0915% | 465 |
| Net operating income to assets | -1.0946% | 6,893 |
| Return on assets (ROA) | -1.0633% | 6,876 |
| Pretax return on assets | -1.7879% | 7,082 |
| Return on Equity (ROE) | -13.9938% | 7,133 |
| Retained earnings to average equity (ytd only) | -15.6990% | 7,171 |
| Net charge-offs to loans | 3.8035% | 381 |
| Credit loss provision to net charge-offs | 103.0705% | 4,940 |
| Earnings coverage of net charge-offs (x) | 0.4183% | 5,613 |
| Efficiency ratio | 66.1452% | 5,335 |
| Assets per employee ($millions) | 5.7891% | 1,361 |
| Cash dividends to net income (ytd only)* | -12.1850% | 7,778 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3498% | 1,234 |
| Loan loss allowance to noncurrent loans | 56.3061% | 4,581 |
| Noncurrent assets plus other real estate owned to assets | 3.4194% | 1,952 |
| Noncurrent loans to loans | 4.1733% | 1,734 |
| Net loans and leases to total assets | 77.3926% | 1,700 |
| Net loans and leases to deposits | 90.3779% | 2,507 |
| Net loans and leases to core deposits | 128.0269% | 1,577 |
| Total domestic deposits to total assets | 85.6323% | 2,898 |
| Equity capital to assets | 7.8378% | 7,003 |
| Core capital (leverage) ratio | 7.3611% | 7,122 |
| Tier 1 risk-based capital ratio | 9.3430% | 7,472 |
| Total risk-based capital ratio | 10.6062% | 7,441 |
| Memoranda: |
| Average total assets | $636,994,250 | 1,102 |
| Average earning assets | $601,825,500 | 1,054 |
| Average equity | $48,401,000 | 1,411 |
| Average total loans | $502,334,750 | 971 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1897% | 6,117 |
| Cost of funding earning assets | 1.7087% | 5,227 |
| Net interest margin | 3.4810% | 4,888 |
| Noninterest income to average assets | 0.1920% | 6,921 |
| Noninterest expense to average assets | 2.4752% | 6,201 |
| Loan and lease loss provision to assets | 2.0254% | 802 |
| Net operating income to assets | -0.5917% | 6,649 |
| Return on assets (ROA) | -0.5917% | 6,655 |
| Pretax return on assets | -1.0186% | 6,827 |
| Return on Equity (ROE) | -7.8674% | 6,883 |
| Retained earnings to average equity (ytd only) | -7.8674% | 6,654 |
| Net charge-offs to loans | 2.3587% | 757 |
| Credit loss provision to net charge-offs | 109.0635% | 4,240 |
| Earnings coverage of net charge-offs (x) | 0.5421% | 5,166 |
| Efficiency ratio | 71.0865% | 4,578 |
| Assets per employee ($millions) | 5.9299% | 1,246 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3156% | 1,082 |
| Loan loss allowance to noncurrent loans | 100.9630% | 2,872 |
| Noncurrent assets plus other real estate owned to assets | 1.9326% | 3,298 |
| Noncurrent loans to loans | 2.2935% | 3,145 |
| Net loans and leases to total assets | 76.6540% | 2,023 |
| Net loans and leases to deposits | 89.3440% | 2,930 |
| Net loans and leases to core deposits | 129.1676% | 1,635 |
| Total domestic deposits to total assets | 85.7965% | 2,885 |
| Equity capital to assets | 7.5979% | 7,179 |
| Core capital (leverage) ratio | 7.2262% | 7,328 |
| Tier 1 risk-based capital ratio | 9.0840% | 7,648 |
| Total risk-based capital ratio | 10.3468% | 7,656 |
| Memoranda: |
| Average total assets | $642,848,670 | 1,115 |
| Average earning assets | $607,588,000 | 1,054 |
| Average equity | $48,351,330 | 1,427 |
| Average total loans | $506,136,330 | 985 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1485% | 6,494 |
| Cost of funding earning assets | 1.7620% | 5,306 |
| Net interest margin | 3.3865% | 5,184 |
| Noninterest income to average assets | 0.4677% | 4,610 |
| Noninterest expense to average assets | 2.3221% | 6,458 |
| Loan and lease loss provision to assets | 2.4079% | 485 |
| Net operating income to assets | -0.6173% | 6,981 |
| Return on assets (ROA) | -0.6173% | 7,024 |
| Pretax return on assets | -1.0645% | 7,181 |
| Return on Equity (ROE) | -8.2494% | 7,252 |
| Retained earnings to average equity (ytd only) | -8.2494% | 6,936 |
| Net charge-offs to loans | 3.5343% | 344 |
| Credit loss provision to net charge-offs | 86.3859% | 4,077 |
| Earnings coverage of net charge-offs (x) | 0.4820% | 4,600 |
| Efficiency ratio | 63.3514% | 5,802 |
| Assets per employee ($millions) | 5.7972% | 1,324 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0787% | 1,273 |
| Loan loss allowance to noncurrent loans | 228.7304% | 1,470 |
| Noncurrent assets plus other real estate owned to assets | 1.3901% | 3,862 |
| Noncurrent loans to loans | 0.9088% | 5,186 |
| Net loans and leases to total assets | 76.0699% | 2,252 |
| Net loans and leases to deposits | 88.6195% | 3,168 |
| Net loans and leases to core deposits | 127.6804% | 1,806 |
| Total domestic deposits to total assets | 85.8389% | 2,800 |
| Equity capital to assets | 7.4481% | 7,398 |
| Core capital (leverage) ratio | 7.1730% | 7,509 |
| Tier 1 risk-based capital ratio | 8.8327% | 7,868 |
| Total risk-based capital ratio | 10.0924% | 7,910 |
| Memoranda: |
| Average total assets | $644,059,500 | 1,105 |
| Average earning assets | $608,179,500 | 1,055 |
| Average equity | $48,197,500 | 1,429 |
| Average total loans | $507,929,500 | 985 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.0445% | 5,328 |
| Cost of funding earning assets | 2.4919% | 4,249 |
| Net interest margin | 3.5526% | 5,086 |
| Noninterest income to average assets | 0.4032% | 5,443 |
| Noninterest expense to average assets | 2.1722% | 7,046 |
| Loan and lease loss provision to assets | 1.1374% | 1,279 |
| Net operating income to assets | 0.2868% | 5,583 |
| Return on assets (ROA) | 0.2868% | 5,397 |
| Pretax return on assets | 0.3939% | 5,274 |
| Return on Equity (ROE) | 3.7802% | 4,901 |
| Retained earnings to average equity (ytd only) | -6.3979% | 6,710 |
| Net charge-offs to loans | 0.5065% | 2,326 |
| Credit loss provision to net charge-offs | 273.0350% | 1,682 |
| Earnings coverage of net charge-offs (x) | 3.6758% | 4,257 |
| Efficiency ratio | 58.6538% | 6,583 |
| Assets per employee ($millions) | 5.5825% | 1,399 |
| Cash dividends to net income (ytd only)* | 269.2500% | 227 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4555% | 718 |
| Loan loss allowance to noncurrent loans | 126.4874% | 2,858 |
| Noncurrent assets plus other real estate owned to assets | 2.1900% | 2,234 |
| Noncurrent loans to loans | 1.9413% | 2,843 |
| Net loans and leases to total assets | 79.5685% | 1,756 |
| Net loans and leases to deposits | 94.8011% | 2,646 |
| Net loans and leases to core deposits | 127.5947% | 2,032 |
| Total domestic deposits to total assets | 83.9320% | 3,359 |
| Equity capital to assets | 7.4455% | 7,431 |
| Core capital (leverage) ratio | 6.6437% | 7,876 |
| Tier 1 risk-based capital ratio | 8.8164% | 7,894 |
| Total risk-based capital ratio | 10.0816% | 7,932 |
| Memoranda: |
| Average total assets | $418,427,400 | 1,628 |
| Average earning assets | $388,697,800 | 1,598 |
| Average equity | $31,744,600 | 2,132 |
| Average total loans | $344,159,400 | 1,411 |
