| 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 | 4.6307% | 6,370 |
| Cost of funding earning assets | 2.6938% | 95 |
| Net interest margin | 1.9369% | 7,658 |
| Noninterest income to average assets | 0.1318% | 6,929 |
| Noninterest expense to average assets | 6.3844% | 189 |
| Loan and lease loss provision to assets | 0.2923% | 4,045 |
| Net operating income to assets | -4.6890% | 7,679 |
| Return on assets (ROA) | -4.4918% | 7,667 |
| Pretax return on assets | -4.4918% | 7,648 |
| Return on Equity (ROE) | -303.3801% | 7,820 |
| Retained earnings to average equity (ytd only) | -303.3801% | 7,820 |
| Net charge-offs to loans | -0.1484% | 7,608 |
| Credit loss provision to net charge-offs | -247.8992% | 6,748 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 321.1864% | 34 |
| Assets per employee ($millions) | 6.3559% | 1,030 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.7993% | 1,000 |
| Loan loss allowance to noncurrent loans | 8.0407% | 7,286 |
| Noncurrent assets plus other real estate owned to assets | 31.6261% | 5 |
| Noncurrent loans to loans | 34.8137% | 10 |
| Net loans and leases to total assets | 77.9046% | 1,130 |
| Net loans and leases to deposits | 78.7446% | 3,841 |
| Net loans and leases to core deposits | 110.6190% | 1,126 |
| Total domestic deposits to total assets | 98.9333% | 4 |
| Equity capital to assets | 0.5937% | 7,819 |
| Core capital (leverage) ratio | 0.8272% | 7,813 |
| Tier 1 risk-based capital ratio | 1.1194% | 7,814 |
| Total risk-based capital ratio | 2.2388% | 7,814 |
| Memoranda: |
| Average total assets | $201,834,670 | 3,138 |
| Average earning assets | $193,405,670 | 3,030 |
| Average equity | $2,988,330 | 7,416 |
| Average total loans | $160,368,670 | 2,690 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7639% | 6,023 |
| Cost of funding earning assets | 2.7675% | 97 |
| Net interest margin | 1.9964% | 7,721 |
| Noninterest income to average assets | 0.1389% | 6,988 |
| Noninterest expense to average assets | 7.8028% | 128 |
| Loan and lease loss provision to assets | 0.2796% | 3,795 |
| Net operating income to assets | -6.0112% | 7,818 |
| Return on assets (ROA) | -5.1376% | 7,795 |
| Pretax return on assets | -5.1376% | 7,772 |
| Return on Equity (ROE) | -272.0797% | 7,900 |
| Retained earnings to average equity (ytd only) | -272.0797% | 7,900 |
| Net charge-offs to loans | -0.3631% | 7,769 |
| Credit loss provision to net charge-offs | -97.3154% | 6,056 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 376.7225% | 26 |
| Assets per employee ($millions) | 6.9035% | 837 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.5573% | 1,228 |
| Loan loss allowance to noncurrent loans | 6.0197% | 7,374 |
| Noncurrent assets plus other real estate owned to assets | 37.4058% | 4 |
| Noncurrent loans to loans | 42.4814% | 7 |
| Net loans and leases to total assets | 81.9652% | 597 |
| Net loans and leases to deposits | 83.4380% | 3,034 |
| Net loans and leases to core deposits | 116.2396% | 937 |
| Total domestic deposits to total assets | 98.2349% | 14 |
| Equity capital to assets | 1.3192% | 7,901 |
| Core capital (leverage) ratio | 1.6606% | 7,892 |
| Tier 1 risk-based capital ratio | 2.2076% | 7,895 |
| Total risk-based capital ratio | 3.4749% | 7,895 |
| Memoranda: |
| Average total assets | $207,413,000 | 3,125 |
| Average earning assets | $200,758,000 | 2,985 |
| Average equity | $3,916,500 | 7,215 |
| Average total loans | $164,140,500 | 2,699 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3639% | 4,869 |
| Cost of funding earning assets | 3.3817% | 71 |
| Net interest margin | 1.9821% | 7,752 |
| Noninterest income to average assets | 0.1417% | 7,031 |
| Noninterest expense to average assets | 3.6054% | 2,126 |
| Loan and lease loss provision to assets | 3.6464% | 414 |
| Net operating income to assets | -5.1943% | 7,766 |
| Return on assets (ROA) | -6.0894% | 7,833 |
| Pretax return on assets | -6.0894% | 7,811 |
| Return on Equity (ROE) | -109.7087% | 7,955 |
| Retained earnings to average equity (ytd only) | -109.7087% | 7,955 |
| Net charge-offs to loans | 3.7777% | 473 |
| Credit loss provision to net charge-offs | 129.4260% | 3,963 |
| Earnings coverage of net charge-offs (x) | -0.5494% | 6,722 |
| Efficiency ratio | 175.2269% | 201 |
| Assets per employee ($millions) | 6.9227% | 826 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3321% | 1,431 |
| Loan loss allowance to noncurrent loans | 5.3341% | 7,418 |
| Noncurrent assets plus other real estate owned to assets | 33.5476% | 8 |
| Noncurrent loans to loans | 43.7215% | 5 |
| Net loans and leases to total assets | 73.0480% | 2,502 |
| Net loans and leases to deposits | 84.1669% | 3,224 |
| Net loans and leases to core deposits | 158.3143% | 359 |
| Total domestic deposits to total assets | 86.7894% | 2,615 |
| Equity capital to assets | 2.3848% | 7,946 |
| Core capital (leverage) ratio | 2.7683% | 7,919 |
| Tier 1 risk-based capital ratio | 3.7360% | 7,917 |
| Total risk-based capital ratio | 4.9992% | 7,919 |
| Memoranda: |
| Average total assets | $219,530,800 | 2,950 |
| Average earning assets | $212,198,200 | 2,808 |
| Average equity | $12,185,000 | 4,707 |
| Average total loans | $163,722,400 | 2,705 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.8150% | 2,823 |
| Cost of funding earning assets | 3.5194% | 63 |
| Net interest margin | 2.2956% | 7,647 |
| Noninterest income to average assets | 0.1528% | 7,092 |
| Noninterest expense to average assets | 3.5714% | 2,088 |
| Loan and lease loss provision to assets | 3.0820% | 469 |
| Net operating income to assets | -4.2854% | 7,778 |
| Return on assets (ROA) | -5.3909% | 7,875 |
| Pretax return on assets | -5.3909% | 7,853 |
| Return on Equity (ROE) | -84.8834% | 7,976 |
| Retained earnings to average equity (ytd only) | -84.8834% | 7,975 |
| Net charge-offs to loans | -0.0384% | 7,831 |
| Credit loss provision to net charge-offs | -10,772.3404% | 7,439 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 150.8226% | 310 |
| Assets per employee ($millions) | 6.7623% | 877 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.1655% | 263 |
| Loan loss allowance to noncurrent loans | 13.0106% | 7,382 |
| Noncurrent assets plus other real estate owned to assets | 25.5343% | 18 |
| Noncurrent loans to loans | 32.0164% | 12 |
| Net loans and leases to total assets | 73.7555% | 2,599 |
| Net loans and leases to deposits | 87.0114% | 3,141 |
| Net loans and leases to core deposits | 166.6454% | 299 |
| Total domestic deposits to total assets | 84.7653% | 3,339 |
| Equity capital to assets | 4.4135% | 7,983 |
| Core capital (leverage) ratio | 4.8117% | 7,935 |
| Tier 1 risk-based capital ratio | 6.1978% | 7,946 |
| Total risk-based capital ratio | 7.4835% | 7,949 |
| Memoranda: |
| Average total assets | $219,031,750 | 2,973 |
| Average earning assets | $211,355,750 | 2,834 |
| Average equity | $13,910,500 | 4,313 |
| Average total loans | $163,231,750 | 2,741 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.0399% | 2,019 |
| Cost of funding earning assets | 3.6760% | 60 |
| Net interest margin | 2.3638% | 7,610 |
| Noninterest income to average assets | 0.1397% | 7,257 |
| Noninterest expense to average assets | 3.6994% | 1,839 |
| Loan and lease loss provision to assets | 1.2396% | 1,381 |
| Net operating income to assets | -2.5232% | 7,565 |
| Return on assets (ROA) | -4.3959% | 7,880 |
| Pretax return on assets | -4.3959% | 7,792 |
| Return on Equity (ROE) | -62.6821% | 7,990 |
| Retained earnings to average equity (ytd only) | -62.6821% | 7,986 |
| Net charge-offs to loans | -0.0574% | 7,869 |
| Credit loss provision to net charge-offs | -2,932.6087% | 7,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 153.1381% | 356 |
| Assets per employee ($millions) | 6.9056% | 802 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0376% | 1,499 |
| Loan loss allowance to noncurrent loans | 13.0681% | 7,424 |
| Noncurrent assets plus other real estate owned to assets | 12.4234% | 164 |
| Noncurrent loans to loans | 15.5924% | 121 |
| Net loans and leases to total assets | 72.5527% | 3,075 |
| Net loans and leases to deposits | 87.3158% | 3,298 |
| Net loans and leases to core deposits | 169.6398% | 320 |
| Total domestic deposits to total assets | 83.0923% | 4,195 |
| Equity capital to assets | 6.2470% | 7,883 |
| Core capital (leverage) ratio | 6.5919% | 7,749 |
| Tier 1 risk-based capital ratio | 8.2536% | 7,888 |
| Total risk-based capital ratio | 9.5117% | 7,910 |
| Memoranda: |
| Average total assets | $217,657,330 | 3,005 |
| Average earning assets | $209,574,330 | 2,876 |
| Average equity | $15,264,330 | 4,070 |
| Average total loans | $160,394,670 | 2,818 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.4857% | 894 |
| Cost of funding earning assets | 3.8753% | 46 |
| Net interest margin | 2.6104% | 7,355 |
| Noninterest income to average assets | 0.1261% | 7,390 |
| Noninterest expense to average assets | 3.4910% | 2,125 |
| Loan and lease loss provision to assets | 0.6907% | 1,826 |
| Net operating income to assets | -1.5545% | 7,520 |
| Return on assets (ROA) | -1.5545% | 7,521 |
| Pretax return on assets | -1.5545% | 7,387 |
| Return on Equity (ROE) | -20.9399% | 7,776 |
| Retained earnings to average equity (ytd only) | -20.9399% | 7,675 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 132.8797% | 478 |
| Assets per employee ($millions) | 5.8150% | 1,308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5130% | 2,904 |
| Loan loss allowance to noncurrent loans | 20.6988% | 7,128 |
| Noncurrent assets plus other real estate owned to assets | 6.5153% | 570 |
| Noncurrent loans to loans | 7.3096% | 525 |
| Net loans and leases to total assets | 72.9432% | 3,015 |
| Net loans and leases to deposits | 89.4567% | 3,021 |
| Net loans and leases to core deposits | 179.5664% | 240 |
| Total domestic deposits to total assets | 81.5403% | 4,733 |
| Equity capital to assets | 7.1683% | 7,587 |
| Core capital (leverage) ratio | 8.6423% | 5,271 |
| Tier 1 risk-based capital ratio | 11.1681% | 5,734 |
| Total risk-based capital ratio | 12.4204% | 5,652 |
| Memoranda: |
| Average total assets | $212,544,000 | 3,091 |
| Average earning assets | $203,648,000 | 2,972 |
| Average equity | $15,778,500 | 3,990 |
| Average total loans | $156,204,500 | 2,911 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.9710% | 1,203 |
| Cost of funding earning assets | 3.8984% | 141 |
| Net interest margin | 3.0727% | 6,735 |
| Noninterest income to average assets | 0.1735% | 7,186 |
| Noninterest expense to average assets | 3.9558% | 1,476 |
| Loan and lease loss provision to assets | 0.7985% | 1,857 |
| Net operating income to assets | -1.6017% | 7,502 |
| Return on assets (ROA) | -1.3940% | 7,370 |
| Pretax return on assets | -1.3940% | 7,213 |
| Return on Equity (ROE) | -13.4224% | 7,516 |
| Retained earnings to average equity (ytd only) | -13.4224% | 7,365 |
| Net charge-offs to loans | 0.6499% | 1,908 |
| Credit loss provision to net charge-offs | 167.7911% | 3,066 |
| Earnings coverage of net charge-offs (x) | -1.6877% | 6,688 |
| Efficiency ratio | 125.4763% | 505 |
| Assets per employee ($millions) | 5.6739% | 1,335 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3355% | 3,560 |
| Loan loss allowance to noncurrent loans | 21.0483% | 7,187 |
| Noncurrent assets plus other real estate owned to assets | 5.7547% | 540 |
| Noncurrent loans to loans | 6.3447% | 516 |
| Net loans and leases to total assets | 71.9339% | 3,603 |
| Net loans and leases to deposits | 88.9526% | 3,646 |
| Net loans and leases to core deposits | 183.0483% | 258 |
| Total domestic deposits to total assets | 80.8677% | 4,703 |
| Equity capital to assets | 7.6853% | 7,220 |
| Core capital (leverage) ratio | 9.6491% | 3,832 |
| Tier 1 risk-based capital ratio | 11.5131% | 5,227 |
| Total risk-based capital ratio | 12.7143% | 5,168 |
| Memoranda: |
| Average total assets | $193,107,000 | 3,225 |
| Average earning assets | $187,231,800 | 3,079 |
| Average equity | $20,056,000 | 3,222 |
| Average total loans | $141,406,000 | 3,071 |
