| 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 | 4.1000% | 6,500 |
| Cost of funding earning assets | 0.7026% | 6,118 |
| Net interest margin | 3.3974% | 5,438 |
| Noninterest income to average assets | 0.5838% | 3,281 |
| Noninterest expense to average assets | 2.9714% | 3,761 |
| Loan and lease loss provision to assets | 0.1113% | 4,624 |
| Net operating income to assets | 0.3299% | 5,268 |
| Return on assets (ROA) | 0.3317% | 5,338 |
| Pretax return on assets | 0.5157% | 4,975 |
| Return on Equity (ROE) | 2.8946% | 5,423 |
| Retained earnings to average equity (ytd only) | 2.8946% | 4,424 |
| Net charge-offs to loans | 0.0039% | 5,075 |
| Credit loss provision to net charge-offs | 4,850.0000% | 76 |
| Earnings coverage of net charge-offs (x) | 272.1000% | 110 |
| Efficiency ratio | 80.8792% | 2,385 |
| Assets per employee ($millions) | 4.5174% | 2,864 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.0851% | 7,479 |
| Loan loss allowance to noncurrent loans | 1.5073% | 7,064 |
| Noncurrent assets plus other real estate owned to assets | 4.5359% | 1,424 |
| Noncurrent loans to loans | 5.6468% | 1,156 |
| Net loans and leases to total assets | 59.5035% | 4,359 |
| Net loans and leases to deposits | 76.0946% | 3,404 |
| Net loans and leases to core deposits | 81.9010% | 3,469 |
| Total domestic deposits to total assets | 78.1967% | 6,353 |
| Equity capital to assets | 11.6311% | 2,177 |
| Core capital (leverage) ratio | 8.4097% | 5,610 |
| Tier 1 risk-based capital ratio | 13.2236% | 4,645 |
| Total risk-based capital ratio | 13.3111% | 5,629 |
| Memoranda: |
| Average total assets | $1,743,718,500 | 388 |
| Average earning assets | $1,545,762,500 | 395 |
| Average equity | $199,819,500 | 353 |
| Average total loans | $1,017,503,500 | 431 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 1.0198% | 7,601 |
| Cost of funding earning assets | 0.1823% | 7,559 |
| Net interest margin | 0.8375% | 7,591 |
| Noninterest income to average assets | 0.1481% | 6,650 |
| Noninterest expense to average assets | 0.7940% | 7,595 |
| Loan and lease loss provision to assets | 0.0235% | 6,887 |
| Net operating income to assets | 0.0558% | 5,683 |
| Return on assets (ROA) | 0.0558% | 5,834 |
| Pretax return on assets | 0.0847% | 5,728 |
| Return on Equity (ROE) | 0.7590% | 5,764 |
| Retained earnings to average equity (ytd only) | 0.7590% | 5,174 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.2076% | 1,673 |
| Assets per employee ($millions) | 4.5526% | 2,781 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.0400% | 7,566 |
| Loan loss allowance to noncurrent loans | 0.7136% | 7,147 |
| Noncurrent assets plus other real estate owned to assets | 4.7121% | 1,395 |
| Noncurrent loans to loans | 5.6077% | 1,164 |
| Net loans and leases to total assets | 57.1465% | 5,157 |
| Net loans and leases to deposits | 73.2170% | 4,326 |
| Net loans and leases to core deposits | 80.0919% | 4,204 |
| Total domestic deposits to total assets | 78.0509% | 6,302 |
| Equity capital to assets | 11.2903% | 2,418 |
| Core capital (leverage) ratio | 8.1132% | 5,990 |
| Tier 1 risk-based capital ratio | 13.1050% | 4,519 |
| Total risk-based capital ratio | 13.1463% | 5,555 |
| Memoranda: |
| Average total assets | $1,707,563,200 | 397 |
| Average earning assets | $1,537,699,800 | 403 |
| Average equity | $125,435,800 | 543 |
| Average total loans | $1,089,855,000 | 412 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 0.0000% | 7,760 |
| Cost of funding earning assets | 0.0000% | 7,745 |
| Net interest margin | 0.0000% | 7,753 |
| Noninterest income to average assets | 0.0000% | 7,437 |
| Noninterest expense to average assets | 0.0000% | 7,758 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.0000% | 5,999 |
| Return on assets (ROA) | 0.0000% | 6,124 |
| Pretax return on assets | 0.0000% | 6,087 |
| Return on Equity (ROE) | 0.0000% | 6,125 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,777 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | NA | NA |
| Assets per employee ($millions) | 4.5498% | 2,843 |
| Cash dividends to net income (ytd only)* | NA | NA |
| Condition Ratios (%) |
| Loss allowance to loans | 0.0000% | 7,691 |
| Loan loss allowance to noncurrent loans | 0.0000% | 7,261 |
| Noncurrent assets plus other real estate owned to assets | 3.8170% | 1,860 |
| Noncurrent loans to loans | 3.5136% | 2,246 |
| Net loans and leases to total assets | 58.7163% | 5,152 |
| Net loans and leases to deposits | 75.8323% | 4,203 |
| Net loans and leases to core deposits | 82.4635% | 4,174 |
| Total domestic deposits to total assets | 77.4291% | 6,385 |
| Equity capital to assets | 11.0090% | 2,952 |
| Core capital (leverage) ratio | 7.8445% | 6,524 |
| Tier 1 risk-based capital ratio | 12.8500% | 4,691 |
| Total risk-based capital ratio | 12.8583% | 5,812 |
| Memoranda: |
| Average total assets | $1,695,132,250 | 398 |
| Average earning assets | $1,533,648,500 | 400 |
| Average equity | $107,194,000 | 620 |
| Average total loans | $1,111,161,250 | 404 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6042% | 6,450 |
| Cost of funding earning assets | 1.6251% | 2,512 |
| Net interest margin | 2.9790% | 6,874 |
| Noninterest income to average assets | -0.0787% | 7,614 |
| Noninterest expense to average assets | 3.5347% | 1,944 |
| Loan and lease loss provision to assets | 1.5009% | 885 |
| Net operating income to assets | -2.4000% | 7,395 |
| Return on assets (ROA) | -2.0867% | 7,338 |
| Pretax return on assets | -2.0877% | 7,265 |
| Return on Equity (ROE) | -44.2632% | 7,566 |
| Retained earnings to average equity (ytd only) | -44.2632% | 7,559 |
| Net charge-offs to loans | 2.4509% | 712 |
| Credit loss provision to net charge-offs | 90.1915% | 4,418 |
| Earnings coverage of net charge-offs (x) | -0.5409% | 6,029 |
| Efficiency ratio | 131.0306% | 308 |
| Assets per employee ($millions) | 4.4411% | 2,981 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.5153% | 1,280 |
| Loan loss allowance to noncurrent loans | 36.1598% | 5,951 |
| Noncurrent assets plus other real estate owned to assets | 7.0080% | 755 |
| Noncurrent loans to loans | 6.9560% | 816 |
| Net loans and leases to total assets | 64.8320% | 4,076 |
| Net loans and leases to deposits | 79.9351% | 3,608 |
| Net loans and leases to core deposits | 88.3844% | 3,500 |
| Total domestic deposits to total assets | 81.1059% | 5,370 |
| Equity capital to assets | 4.2616% | 7,676 |
| Core capital (leverage) ratio | 3.9247% | 7,686 |
| Tier 1 risk-based capital ratio | 5.8582% | 7,667 |
| Total risk-based capital ratio | 7.1298% | 7,668 |
| Memoranda: |
| Average total assets | $1,682,346,000 | 404 |
| Average earning assets | $1,532,309,670 | 404 |
| Average equity | $79,312,000 | 825 |
| Average total loans | $1,142,267,670 | 401 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7176% | 6,183 |
| Cost of funding earning assets | 1.6603% | 2,596 |
| Net interest margin | 3.0573% | 6,698 |
| Noninterest income to average assets | 0.2666% | 6,020 |
| Noninterest expense to average assets | 3.3029% | 2,523 |
| Loan and lease loss provision to assets | 1.1621% | 1,052 |
| Net operating income to assets | -1.4011% | 7,291 |
| Return on assets (ROA) | -1.0139% | 7,131 |
| Pretax return on assets | -1.0148% | 7,055 |
| Return on Equity (ROE) | -20.5424% | 7,449 |
| Retained earnings to average equity (ytd only) | -20.5424% | 7,390 |
| Net charge-offs to loans | 2.1260% | 798 |
| Credit loss provision to net charge-offs | 79.7055% | 3,880 |
| Earnings coverage of net charge-offs (x) | -0.1646% | 5,142 |
| Efficiency ratio | 105.1614% | 694 |
| Assets per employee ($millions) | 4.4415% | 3,057 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4680% | 1,338 |
| Loan loss allowance to noncurrent loans | 49.9650% | 4,996 |
| Noncurrent assets plus other real estate owned to assets | 5.7794% | 1,052 |
| Noncurrent loans to loans | 4.9394% | 1,472 |
| Net loans and leases to total assets | 65.1616% | 4,067 |
| Net loans and leases to deposits | 80.2458% | 3,615 |
| Net loans and leases to core deposits | 89.7215% | 3,402 |
| Total domestic deposits to total assets | 81.2025% | 5,378 |
| Equity capital to assets | 4.8352% | 7,735 |
| Core capital (leverage) ratio | 4.6564% | 7,731 |
| Tier 1 risk-based capital ratio | 6.8520% | 7,710 |
| Total risk-based capital ratio | 8.1259% | 7,714 |
| Memoranda: |
| Average total assets | $1,695,254,000 | 414 |
| Average earning assets | $1,550,534,000 | 412 |
| Average equity | $83,671,000 | 791 |
| Average total loans | $1,162,565,500 | 412 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1091% | 6,053 |
| Cost of funding earning assets | 2.1573% | 2,204 |
| Net interest margin | 2.9518% | 6,749 |
| Noninterest income to average assets | 0.4574% | 4,741 |
| Noninterest expense to average assets | 3.5594% | 2,249 |
| Loan and lease loss provision to assets | 2.4433% | 819 |
| Net operating income to assets | -3.6417% | 7,536 |
| Return on assets (ROA) | -3.3934% | 7,485 |
| Pretax return on assets | -2.5868% | 7,167 |
| Return on Equity (ROE) | -46.7213% | 7,647 |
| Retained earnings to average equity (ytd only) | -46.7213% | 7,636 |
| Net charge-offs to loans | 3.0233% | 696 |
| Credit loss provision to net charge-offs | 114.3414% | 4,791 |
| Earnings coverage of net charge-offs (x) | -0.1834% | 6,425 |
| Efficiency ratio | 99.3209% | 1,137 |
| Assets per employee ($millions) | 4.2998% | 3,267 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4286% | 1,320 |
| Loan loss allowance to noncurrent loans | 39.9311% | 5,751 |
| Noncurrent assets plus other real estate owned to assets | 5.5760% | 1,049 |
| Noncurrent loans to loans | 6.0820% | 1,027 |
| Net loans and leases to total assets | 68.6213% | 3,565 |
| Net loans and leases to deposits | 85.2177% | 3,046 |
| Net loans and leases to core deposits | 107.8791% | 3,112 |
| Total domestic deposits to total assets | 80.5248% | 5,502 |
| Equity capital to assets | 5.0352% | 7,791 |
| Core capital (leverage) ratio | 4.8462% | 7,783 |
| Tier 1 risk-based capital ratio | 6.8435% | 7,764 |
| Total risk-based capital ratio | 8.1079% | 7,767 |
| Memoranda: |
| Average total assets | $1,729,448,200 | 406 |
| Average earning assets | $1,587,898,000 | 400 |
| Average equity | $125,610,800 | 530 |
| Average total loans | $1,222,381,400 | 402 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1890% | 5,921 |
| Cost of funding earning assets | 2.2319% | 2,271 |
| Net interest margin | 2.9572% | 6,716 |
| Noninterest income to average assets | 0.4597% | 4,824 |
| Noninterest expense to average assets | 3.2072% | 3,279 |
| Loan and lease loss provision to assets | 1.9835% | 918 |
| Net operating income to assets | -1.2286% | 6,972 |
| Return on assets (ROA) | -1.1393% | 6,931 |
| Pretax return on assets | -1.8776% | 7,125 |
| Return on Equity (ROE) | -14.5888% | 7,167 |
| Retained earnings to average equity (ytd only) | -14.5888% | 7,107 |
| Net charge-offs to loans | 1.8986% | 1,056 |
| Credit loss provision to net charge-offs | 147.6308% | 3,279 |
| Earnings coverage of net charge-offs (x) | -0.0251% | 6,099 |
| Efficiency ratio | 98.8505% | 1,121 |
| Assets per employee ($millions) | 4.2409% | 3,305 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.6118% | 956 |
| Loan loss allowance to noncurrent loans | 48.4887% | 5,082 |
| Noncurrent assets plus other real estate owned to assets | 5.1280% | 1,137 |
| Noncurrent loans to loans | 5.3865% | 1,176 |
| Net loans and leases to total assets | 69.8950% | 3,544 |
| Net loans and leases to deposits | 89.6448% | 2,640 |
| Net loans and leases to core deposits | 110.1292% | 3,221 |
| Total domestic deposits to total assets | 77.9688% | 6,100 |
| Equity capital to assets | 7.7814% | 7,052 |
| Core capital (leverage) ratio | 5.6403% | 7,853 |
| Tier 1 risk-based capital ratio | 7.7827% | 7,824 |
| Total risk-based capital ratio | 9.0496% | 7,829 |
| Memoranda: |
| Average total assets | $1,736,128,750 | 421 |
| Average earning assets | $1,593,239,500 | 412 |
| Average equity | $135,579,750 | 506 |
| Average total loans | $1,228,597,750 | 416 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1783% | 6,151 |
| Cost of funding earning assets | 2.2724% | 2,481 |
| Net interest margin | 2.9059% | 6,791 |
| Noninterest income to average assets | 0.3805% | 5,461 |
| Noninterest expense to average assets | 3.1130% | 3,651 |
| Loan and lease loss provision to assets | 1.2577% | 1,361 |
| Net operating income to assets | -0.8064% | 6,837 |
| Return on assets (ROA) | -0.7528% | 6,803 |
| Pretax return on assets | -1.2144% | 6,950 |
| Return on Equity (ROE) | -10.0616% | 7,044 |
| Retained earnings to average equity (ytd only) | -10.0616% | 6,886 |
| Net charge-offs to loans | 1.4823% | 1,277 |
| Credit loss provision to net charge-offs | 120.4902% | 3,852 |
| Earnings coverage of net charge-offs (x) | -0.0388% | 5,731 |
| Efficiency ratio | 99.5383% | 1,198 |
| Assets per employee ($millions) | 4.3959% | 2,942 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0138% | 1,540 |
| Loan loss allowance to noncurrent loans | 39.6255% | 5,745 |
| Noncurrent assets plus other real estate owned to assets | 4.0466% | 1,450 |
| Noncurrent loans to loans | 5.0820% | 1,196 |
| Net loans and leases to total assets | 67.6719% | 4,215 |
| Net loans and leases to deposits | 86.8992% | 3,372 |
| Net loans and leases to core deposits | 106.9575% | 3,725 |
| Total domestic deposits to total assets | 77.8740% | 6,113 |
| Equity capital to assets | 7.4923% | 7,271 |
| Core capital (leverage) ratio | 6.4458% | 7,821 |
| Tier 1 risk-based capital ratio | 8.7780% | 7,789 |
| Total risk-based capital ratio | 10.0366% | 7,826 |
| Memoranda: |
| Average total assets | $1,649,516,330 | 441 |
| Average earning assets | $1,528,137,000 | 436 |
| Average equity | $123,420,000 | 556 |
| Average total loans | $1,161,578,000 | 447 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2318% | 6,179 |
| Cost of funding earning assets | 2.4203% | 2,207 |
| Net interest margin | 2.8116% | 6,966 |
| Noninterest income to average assets | 0.4289% | 4,968 |
| Noninterest expense to average assets | 2.9321% | 4,046 |
| Loan and lease loss provision to assets | 1.2232% | 1,057 |
| Net operating income to assets | -0.6985% | 7,056 |
| Return on assets (ROA) | -0.6046% | 7,012 |
| Pretax return on assets | -0.9706% | 7,143 |
| Return on Equity (ROE) | -8.0856% | 7,242 |
| Retained earnings to average equity (ytd only) | -8.0856% | 6,923 |
| Net charge-offs to loans | 1.2178% | 1,146 |
| Credit loss provision to net charge-offs | 141.2116% | 2,893 |
| Earnings coverage of net charge-offs (x) | 0.1220% | 4,878 |
| Efficiency ratio | 95.4424% | 1,347 |
| Assets per employee ($millions) | 4.4091% | 2,866 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0251% | 1,364 |
| Loan loss allowance to noncurrent loans | 51.5172% | 5,117 |
| Noncurrent assets plus other real estate owned to assets | 2.9418% | 1,928 |
| Noncurrent loans to loans | 3.9308% | 1,548 |
| Net loans and leases to total assets | 65.1827% | 4,774 |
| Net loans and leases to deposits | 82.4484% | 4,214 |
| Net loans and leases to core deposits | 101.1879% | 4,422 |
| Total domestic deposits to total assets | 79.0588% | 5,700 |
| Equity capital to assets | 7.4367% | 7,406 |
| Core capital (leverage) ratio | 6.8349% | 7,743 |
| Tier 1 risk-based capital ratio | 8.9226% | 7,831 |
| Total risk-based capital ratio | 10.1712% | 7,874 |
| Memoranda: |
| Average total assets | $1,623,669,000 | 450 |
| Average earning assets | $1,506,621,000 | 442 |
| Average equity | $121,400,500 | 565 |
| Average total loans | $1,154,916,500 | 458 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.2217% | 4,407 |
| Cost of funding earning assets | 2.9126% | 2,210 |
| Net interest margin | 3.3091% | 6,005 |
| Noninterest income to average assets | 0.3659% | 5,782 |
| Noninterest expense to average assets | 3.0028% | 4,071 |
| Loan and lease loss provision to assets | 1.8263% | 690 |
| Net operating income to assets | -0.8581% | 7,168 |
| Return on assets (ROA) | -1.0934% | 7,225 |
| Pretax return on assets | -1.7709% | 7,367 |
| Return on Equity (ROE) | -14.6649% | 7,577 |
| Retained earnings to average equity (ytd only) | -14.6649% | 7,442 |
| Net charge-offs to loans | 1.6924% | 655 |
| Credit loss provision to net charge-offs | 140.0643% | 3,791 |
| Earnings coverage of net charge-offs (x) | 0.3245% | 6,035 |
| Efficiency ratio | 87.1531% | 1,750 |
| Assets per employee ($millions) | 4.6459% | 2,406 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8924% | 1,437 |
| Loan loss allowance to noncurrent loans | 55.6527% | 5,195 |
| Noncurrent assets plus other real estate owned to assets | 2.9335% | 1,575 |
| Noncurrent loans to loans | 3.4005% | 1,508 |
| Net loans and leases to total assets | 74.9471% | 2,889 |
| Net loans and leases to deposits | 103.6069% | 1,382 |
| Net loans and leases to core deposits | 130.2421% | 1,834 |
| Total domestic deposits to total assets | 72.3380% | 6,940 |
| Equity capital to assets | 7.5230% | 7,360 |
| Core capital (leverage) ratio | 7.2255% | 7,498 |
| Tier 1 risk-based capital ratio | 9.1996% | 7,616 |
| Total risk-based capital ratio | 10.4574% | 7,559 |
| Memoranda: |
| Average total assets | $1,454,632,800 | 479 |
| Average earning assets | $1,345,096,600 | 471 |
| Average equity | $108,456,200 | 623 |
| Average total loans | $1,120,723,000 | 454 |
