| 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 | 4.5327% | 6,628 |
| Cost of funding earning assets | 2.6193% | 121 |
| Net interest margin | 1.9134% | 7,666 |
| Noninterest income to average assets | 0.0272% | 7,443 |
| Noninterest expense to average assets | 2.6377% | 5,178 |
| Loan and lease loss provision to assets | 2.8035% | 373 |
| Net operating income to assets | -3.6117% | 7,587 |
| Return on assets (ROA) | -3.5473% | 7,587 |
| Pretax return on assets | -3.5473% | 7,551 |
| Return on Equity (ROE) | -341.4979% | 7,822 |
| Retained earnings to average equity (ytd only) | -341.4979% | 7,822 |
| Net charge-offs to loans | 3.1309% | 497 |
| Credit loss provision to net charge-offs | 146.7606% | 2,690 |
| Earnings coverage of net charge-offs (x) | -0.4231% | 5,990 |
| Efficiency ratio | 143.4629% | 235 |
| Assets per employee ($millions) | 6.1026% | 1,154 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) |
| Loss allowance to loans | 6.7960% | 62 |
| Loan loss allowance to noncurrent loans | 27.5753% | 6,513 |
| Noncurrent assets plus other real estate owned to assets | 15.2988% | 137 |
| Noncurrent loans to loans | 24.6454% | 32 |
| Net loans and leases to total assets | 56.9783% | 5,566 |
| Net loans and leases to deposits | 79.7721% | 3,637 |
| Net loans and leases to core deposits | 110.8895% | 1,109 |
| Total domestic deposits to total assets | 71.4264% | 7,228 |
| Equity capital to assets | 0.4337% | 7,822 |
| Core capital (leverage) ratio | 0.1840% | 7,824 |
| Tier 1 risk-based capital ratio | 0.3311% | 7,823 |
| Total risk-based capital ratio | 0.6621% | 7,823 |
| Memoranda: |
| Average total assets | $2,230,076,330 | 310 |
| Average earning assets | $2,100,511,000 | 300 |
| Average equity | $23,165,000 | 2,773 |
| Average total loans | $1,360,650,330 | 348 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6081% | 6,540 |
| Cost of funding earning assets | 2.5883% | 168 |
| Net interest margin | 2.0198% | 7,714 |
| Noninterest income to average assets | 0.2014% | 6,525 |
| Noninterest expense to average assets | 2.4769% | 5,817 |
| Loan and lease loss provision to assets | 2.6526% | 388 |
| Net operating income to assets | -3.0242% | 7,642 |
| Return on assets (ROA) | -3.0661% | 7,641 |
| Pretax return on assets | -3.0661% | 7,604 |
| Return on Equity (ROE) | -230.7925% | 7,891 |
| Retained earnings to average equity (ytd only) | -230.7925% | 7,890 |
| Net charge-offs to loans | 3.5910% | 388 |
| Credit loss provision to net charge-offs | 121.1827% | 2,884 |
| Earnings coverage of net charge-offs (x) | -0.1697% | 5,148 |
| Efficiency ratio | 117.0349% | 481 |
| Assets per employee ($millions) | 6.4874% | 1,000 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 6.0727% | 97 |
| Loan loss allowance to noncurrent loans | 25.0021% | 6,743 |
| Noncurrent assets plus other real estate owned to assets | 14.6284% | 145 |
| Noncurrent loans to loans | 24.2888% | 40 |
| Net loans and leases to total assets | 56.1536% | 5,722 |
| Net loans and leases to deposits | 77.8535% | 4,071 |
| Net loans and leases to core deposits | 112.9061% | 1,105 |
| Total domestic deposits to total assets | 72.1272% | 7,253 |
| Equity capital to assets | 1.0459% | 7,906 |
| Core capital (leverage) ratio | 1.1634% | 7,905 |
| Tier 1 risk-based capital ratio | 2.0507% | 7,899 |
| Total risk-based capital ratio | 3.3654% | 7,899 |
| Memoranda: |
| Average total assets | $2,261,899,000 | 319 |
| Average earning assets | $2,132,061,500 | 308 |
| Average equity | $30,049,500 | 2,215 |
| Average total loans | $1,378,774,000 | 358 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0343% | 6,323 |
| Cost of funding earning assets | 2.9549% | 257 |
| Net interest margin | 2.0795% | 7,710 |
| Noninterest income to average assets | 0.1043% | 7,244 |
| Noninterest expense to average assets | 2.7046% | 5,368 |
| Loan and lease loss provision to assets | 4.0215% | 334 |
| Net operating income to assets | -4.7447% | 7,707 |
| Return on assets (ROA) | -4.1919% | 7,637 |
| Pretax return on assets | -4.1092% | 7,559 |
| Return on Equity (ROE) | -83.8219% | 7,882 |
| Retained earnings to average equity (ytd only) | -85.5882% | 7,885 |
| Net charge-offs to loans | 4.4813% | 329 |
| Credit loss provision to net charge-offs | 151.5125% | 3,042 |
| Earnings coverage of net charge-offs (x) | -0.2413% | 6,496 |
| Efficiency ratio | 106.4991% | 895 |
| Assets per employee ($millions) | 6.1386% | 1,167 |
| Cash dividends to net income (ytd only)* | -2.1072% | 7,432 |
| Condition Ratios (%) |
| Loss allowance to loans | 5.7331% | 115 |
| Loan loss allowance to noncurrent loans | 25.3444% | 6,775 |
| Noncurrent assets plus other real estate owned to assets | 14.1941% | 162 |
| Noncurrent loans to loans | 22.6207% | 51 |
| Net loans and leases to total assets | 58.5819% | 5,559 |
| Net loans and leases to deposits | 82.0947% | 3,600 |
| Net loans and leases to core deposits | 97.2782% | 4,317 |
| Total domestic deposits to total assets | 71.3590% | 7,300 |
| Equity capital to assets | 1.6150% | 7,970 |
| Core capital (leverage) ratio | 1.8259% | 7,956 |
| Tier 1 risk-based capital ratio | 3.3060% | 7,938 |
| Total risk-based capital ratio | 4.6162% | 7,938 |
| Memoranda: |
| Average total assets | $2,512,121,800 | 293 |
| Average earning assets | $2,367,535,200 | 280 |
| Average equity | $125,630,600 | 529 |
| Average total loans | $1,487,877,800 | 338 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1742% | 5,989 |
| Cost of funding earning assets | 3.0010% | 332 |
| Net interest margin | 2.1732% | 7,723 |
| Noninterest income to average assets | 0.0739% | 7,539 |
| Noninterest expense to average assets | 2.0606% | 7,268 |
| Loan and lease loss provision to assets | 1.5473% | 1,231 |
| Net operating income to assets | -0.9366% | 6,787 |
| Return on assets (ROA) | -0.6192% | 6,545 |
| Pretax return on assets | -0.9915% | 6,683 |
| Return on Equity (ROE) | -10.7904% | 6,943 |
| Retained earnings to average equity (ytd only) | -12.7899% | 6,996 |
| Net charge-offs to loans | 2.3665% | 783 |
| Credit loss provision to net charge-offs | 111.5943% | 4,554 |
| Earnings coverage of net charge-offs (x) | 0.0433% | 6,006 |
| Efficiency ratio | 96.5009% | 1,249 |
| Assets per employee ($millions) | 7.0135% | 791 |
| Cash dividends to net income (ytd only)* | -18.5303% | 7,839 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.3088% | 500 |
| Loan loss allowance to noncurrent loans | 21.8982% | 6,990 |
| Noncurrent assets plus other real estate owned to assets | 8.9390% | 438 |
| Noncurrent loans to loans | 15.1101% | 142 |
| Net loans and leases to total assets | 56.0233% | 6,138 |
| Net loans and leases to deposits | 86.3934% | 3,243 |
| Net loans and leases to core deposits | 103.2255% | 4,032 |
| Total domestic deposits to total assets | 64.8467% | 7,733 |
| Equity capital to assets | 5.4900% | 7,919 |
| Core capital (leverage) ratio | 4.6203% | 7,948 |
| Tier 1 risk-based capital ratio | 8.3161% | 7,750 |
| Total risk-based capital ratio | 9.5920% | 7,772 |
| Memoranda: |
| Average total assets | $2,578,468,000 | 296 |
| Average earning assets | $2,428,340,500 | 286 |
| Average equity | $147,967,250 | 465 |
| Average total loans | $1,510,790,250 | 350 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2201% | 6,002 |
| Cost of funding earning assets | 2.9964% | 483 |
| Net interest margin | 2.2237% | 7,736 |
| Noninterest income to average assets | 0.1598% | 7,132 |
| Noninterest expense to average assets | 2.0851% | 7,304 |
| Loan and lease loss provision to assets | 0.5527% | 2,806 |
| Net operating income to assets | -0.3235% | 6,347 |
| Return on assets (ROA) | -0.0534% | 5,996 |
| Pretax return on assets | -0.0600% | 5,950 |
| Return on Equity (ROE) | -0.9171% | 6,062 |
| Retained earnings to average equity (ytd only) | -3.6894% | 6,081 |
| Net charge-offs to loans | 2.8053% | 587 |
| Credit loss provision to net charge-offs | 33.5003% | 5,984 |
| Earnings coverage of net charge-offs (x) | 0.1147% | 5,557 |
| Efficiency ratio | 91.0610% | 1,728 |
| Assets per employee ($millions) | 7.4188% | 639 |
| Cash dividends to net income (ytd only)* | -302.3155% | 8,145 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0880% | 1,418 |
| Loan loss allowance to noncurrent loans | 16.5124% | 7,313 |
| Noncurrent assets plus other real estate owned to assets | 7.3085% | 560 |
| Noncurrent loans to loans | 12.6449% | 193 |
| Net loans and leases to total assets | 55.6113% | 6,251 |
| Net loans and leases to deposits | 83.2887% | 3,997 |
| Net loans and leases to core deposits | 101.6433% | 4,321 |
| Total domestic deposits to total assets | 66.7693% | 7,694 |
| Equity capital to assets | 5.5918% | 7,990 |
| Core capital (leverage) ratio | 5.0270% | 8,027 |
| Tier 1 risk-based capital ratio | 9.1276% | 7,624 |
| Total risk-based capital ratio | 10.3889% | 7,631 |
| Memoranda: |
| Average total assets | $2,589,325,000 | 302 |
| Average earning assets | $2,462,121,670 | 289 |
| Average equity | $150,700,000 | 465 |
| Average total loans | $1,522,685,330 | 357 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4078% | 5,385 |
| Cost of funding earning assets | 3.0021% | 603 |
| Net interest margin | 2.4057% | 7,603 |
| Noninterest income to average assets | 0.2612% | 6,364 |
| Noninterest expense to average assets | 1.9318% | 7,491 |
| Loan and lease loss provision to assets | 0.4233% | 2,811 |
| Net operating income to assets | 0.0601% | 6,095 |
| Return on assets (ROA) | 0.2541% | 5,634 |
| Pretax return on assets | 0.4961% | 5,091 |
| Return on Equity (ROE) | 4.2795% | 4,799 |
| Retained earnings to average equity (ytd only) | -0.6219% | 5,791 |
| Net charge-offs to loans | 0.7886% | 1,633 |
| Credit loss provision to net charge-offs | 89.6883% | 4,014 |
| Earnings coverage of net charge-offs (x) | 1.3057% | 4,084 |
| Efficiency ratio | 75.2549% | 3,611 |
| Assets per employee ($millions) | 6.5971% | 919 |
| Cash dividends to net income (ytd only)* | 114.5320% | 638 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.9655% | 495 |
| Loan loss allowance to noncurrent loans | 24.7007% | 6,928 |
| Noncurrent assets plus other real estate owned to assets | 6.9596% | 492 |
| Noncurrent loans to loans | 12.0059% | 178 |
| Net loans and leases to total assets | 55.1774% | 6,340 |
| Net loans and leases to deposits | 82.2266% | 4,249 |
| Net loans and leases to core deposits | 100.6697% | 4,477 |
| Total domestic deposits to total assets | 67.1040% | 7,664 |
| Equity capital to assets | 5.6864% | 8,043 |
| Core capital (leverage) ratio | 5.4563% | 8,085 |
| Tier 1 risk-based capital ratio | 9.4820% | 7,443 |
| Total risk-based capital ratio | 10.7556% | 7,368 |
| Memoranda: |
| Average total assets | $2,556,021,500 | 306 |
| Average earning assets | $2,429,731,000 | 298 |
| Average equity | $151,793,000 | 462 |
| Average total loans | $1,529,780,500 | 357 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.2915% | 4,007 |
| Cost of funding earning assets | 3.4236% | 668 |
| Net interest margin | 2.8679% | 7,216 |
| Noninterest income to average assets | 0.3000% | 6,317 |
| Noninterest expense to average assets | 1.9827% | 7,473 |
| Loan and lease loss provision to assets | 1.7896% | 705 |
| Net operating income to assets | -0.4028% | 6,827 |
| Return on assets (ROA) | -0.3673% | 6,662 |
| Pretax return on assets | -0.7046% | 6,815 |
| Return on Equity (ROE) | -5.6687% | 6,932 |
| Retained earnings to average equity (ytd only) | -10.8800% | 7,154 |
| Net charge-offs to loans | 0.5680% | 2,111 |
| Credit loss provision to net charge-offs | 501.7180% | 865 |
| Earnings coverage of net charge-offs (x) | 2.8866% | 4,637 |
| Efficiency ratio | 65.1988% | 5,278 |
| Assets per employee ($millions) | 6.0511% | 1,110 |
| Cash dividends to net income (ytd only)* | -91.9299% | 8,130 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.9889% | 436 |
| Loan loss allowance to noncurrent loans | 29.6493% | 6,725 |
| Noncurrent assets plus other real estate owned to assets | 6.5158% | 424 |
| Noncurrent loans to loans | 10.0807% | 209 |
| Net loans and leases to total assets | 61.2830% | 5,729 |
| Net loans and leases to deposits | 96.3089% | 2,397 |
| Net loans and leases to core deposits | 121.0925% | 2,596 |
| Total domestic deposits to total assets | 63.6316% | 7,812 |
| Equity capital to assets | 6.2191% | 8,012 |
| Core capital (leverage) ratio | 5.8896% | 8,111 |
| Tier 1 risk-based capital ratio | 9.4562% | 7,361 |
| Total risk-based capital ratio | 10.7300% | 7,250 |
| Memoranda: |
| Average total assets | $2,300,797,600 | 316 |
| Average earning assets | $2,175,981,000 | 308 |
| Average equity | $149,081,400 | 466 |
| Average total loans | $1,444,795,200 | 359 |
