Home > DuPage National Bank > Performance and Condition Ratios
DuPage National Bank, Performance and Condition Ratios
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6846% | 5,179 |
| Cost of funding earning assets | 0.4337% | 4,277 |
| Net interest margin | 3.2509% | 4,835 |
| Noninterest income to average assets | 0.1030% | 6,378 |
| Noninterest expense to average assets | 6.1622% | 186 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | -3.3935% | 6,775 |
| Return on assets (ROA) | -3.3935% | 6,773 |
| Pretax return on assets | -3.3935% | 6,772 |
| Return on Equity (ROE) | -98.3717% | 6,803 |
| Retained earnings to average equity (ytd only) | -98.3717% | 6,803 |
| Net charge-offs to loans | -0.1566% | 6,574 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 222.5690% | 21 |
| Assets per employee ($millions) | 2.3271% | 6,507 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6462% | 56 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 4.1514% | 627 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 44.9593% | 5,590 |
| Net loans and leases to deposits | 46.3858% | 5,984 |
| Net loans and leases to core deposits | 55.4393% | 5,582 |
| Total domestic deposits to total assets | 96.9247% | 18 |
| Equity capital to assets | 1.9991% | 6,791 |
| Core capital (leverage) ratio | 1.9434% | 6,801 |
| Tier 1 risk-based capital ratio | 4.1275% | 6,782 |
| Total risk-based capital ratio | 5.4472% | 6,783 |
| Memoranda: | ||
| Average total assets | $60,173,200 | 5,748 |
| Average earning assets | $49,340,200 | 5,911 |
| Average equity | $2,075,800 | 6,673 |
| Average total loans | $29,367,200 | 5,795 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4376% | 5,806 |
| Cost of funding earning assets | 0.4297% | 4,509 |
| Net interest margin | 3.0079% | 5,569 |
| Noninterest income to average assets | 0.3730% | 4,726 |
| Noninterest expense to average assets | 6.1883% | 185 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | -3.3400% | 6,858 |
| Return on assets (ROA) | -3.3400% | 6,856 |
| Pretax return on assets | -3.3400% | 6,854 |
| Return on Equity (ROE) | -88.7434% | 6,881 |
| Retained earnings to average equity (ytd only) | -88.7434% | 6,879 |
| Net charge-offs to loans | -0.2066% | 6,656 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 217.2597% | 27 |
| Assets per employee ($millions) | 2.3716% | 6,559 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3489% | 85 |
| Loan loss allowance to noncurrent loans | 30.7249% | 5,966 |
| Noncurrent assets plus other real estate owned to assets | 11.2679% | 108 |
| Noncurrent loans to loans | 17.4091% | 32 |
| Net loans and leases to total assets | 41.3529% | 5,944 |
| Net loans and leases to deposits | 42.8144% | 6,270 |
| Net loans and leases to core deposits | 43.3826% | 6,332 |
| Total domestic deposits to total assets | 96.5862% | 14 |
| Equity capital to assets | 2.5429% | 6,858 |
| Core capital (leverage) ratio | 2.5429% | 6,867 |
| Tier 1 risk-based capital ratio | 5.1712% | 6,842 |
| Total risk-based capital ratio | 6.4740% | 6,843 |
| Memoranda: | ||
| Average total assets | $61,835,500 | 5,773 |
| Average earning assets | $50,887,250 | 5,931 |
| Average equity | $2,327,250 | 6,724 |
| Average total loans | $30,333,000 | 5,796 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3374% | 6,026 |
| Cost of funding earning assets | 0.4374% | 4,577 |
| Net interest margin | 2.9000% | 5,801 |
| Noninterest income to average assets | 0.2617% | 5,587 |
| Noninterest expense to average assets | 6.3367% | 182 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | -3.6967% | 6,913 |
| Return on assets (ROA) | -3.6967% | 6,913 |
| Pretax return on assets | -3.6967% | 6,910 |
| Return on Equity (ROE) | -88.6708% | 6,927 |
| Retained earnings to average equity (ytd only) | -88.6708% | 6,924 |
| Net charge-offs to loans | 0.4513% | 1,453 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | -16.1127% | 4,875 |
| Efficiency ratio | 240.0245% | 23 |
| Assets per employee ($millions) | 2.2193% | 6,674 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6206% | 162 |
| Loan loss allowance to noncurrent loans | 25.6738% | 6,156 |
| Noncurrent assets plus other real estate owned to assets | 12.5315% | 92 |
| Noncurrent loans to loans | 17.9975% | 29 |
| Net loans and leases to total assets | 45.6101% | 5,578 |
| Net loans and leases to deposits | 47.5958% | 6,007 |
| Net loans and leases to core deposits | 48.8996% | 6,084 |
| Total domestic deposits to total assets | 95.8278% | 28 |
| Equity capital to assets | 3.2960% | 6,887 |
| Core capital (leverage) ratio | 3.2019% | 6,898 |
| Tier 1 risk-based capital ratio | 6.0019% | 6,872 |
| Total risk-based capital ratio | 7.2964% | 6,872 |
| Memoranda: | ||
| Average total assets | $61,893,330 | 5,805 |
| Average earning assets | $50,758,670 | 5,973 |
| Average equity | $2,580,330 | 6,736 |
| Average total loans | $31,464,000 | 5,779 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6509% | 5,303 |
| Cost of funding earning assets | 0.4428% | 4,673 |
| Net interest margin | 3.2081% | 4,903 |
| Noninterest income to average assets | 0.1654% | 6,267 |
| Noninterest expense to average assets | 5.8397% | 224 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -3.0471% | 6,969 |
| Return on assets (ROA) | -3.0471% | 6,971 |
| Pretax return on assets | -3.0471% | 6,967 |
| Return on Equity (ROE) | -66.4586% | 6,985 |
| Retained earnings to average equity (ytd only) | -66.4586% | 6,982 |
| Net charge-offs to loans | 0.6085% | 1,000 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | -9.5800% | 4,101 |
| Efficiency ratio | 209.1116% | 31 |
| Assets per employee ($millions) | 2.1156% | 6,811 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3585% | 218 |
| Loan loss allowance to noncurrent loans | 25.2822% | 6,184 |
| Noncurrent assets plus other real estate owned to assets | 13.3392% | 103 |
| Noncurrent loans to loans | 17.2396% | 44 |
| Net loans and leases to total assets | 48.0694% | 5,220 |
| Net loans and leases to deposits | 50.7311% | 5,732 |
| Net loans and leases to core deposits | 52.1014% | 5,817 |
| Total domestic deposits to total assets | 94.7533% | 50 |
| Equity capital to assets | 4.3095% | 6,927 |
| Core capital (leverage) ratio | 4.1836% | 6,928 |
| Tier 1 risk-based capital ratio | 7.4704% | 6,880 |
| Total risk-based capital ratio | 8.7316% | 6,882 |
| Memoranda: | ||
| Average total assets | $62,879,500 | 5,839 |
| Average earning assets | $51,494,000 | 6,003 |
| Average equity | $2,883,000 | 6,748 |
| Average total loans | $32,869,000 | 5,758 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3948% | 6,491 |
| Cost of funding earning assets | 0.5114% | 5,139 |
| Net interest margin | 2.8833% | 6,256 |
| Noninterest income to average assets | 0.4485% | 4,256 |
| Noninterest expense to average assets | 6.4227% | 188 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | -3.5592% | 7,031 |
| Return on assets (ROA) | -3.5592% | 7,035 |
| Pretax return on assets | -3.5592% | 7,036 |
| Return on Equity (ROE) | -94.2807% | 7,068 |
| Retained earnings to average equity (ytd only) | -94.2807% | 7,068 |
| Net charge-offs to loans | 2.7717% | 201 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | -2.3097% | 5,847 |
| Efficiency ratio | 224.2972% | 29 |
| Assets per employee ($millions) | 2.2209% | 6,821 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9940% | 286 |
| Loan loss allowance to noncurrent loans | 19.1773% | 6,410 |
| Noncurrent assets plus other real estate owned to assets | 15.7020% | 72 |
| Noncurrent loans to loans | 20.8269% | 23 |
| Net loans and leases to total assets | 52.0262% | 4,922 |
| Net loans and leases to deposits | 55.2509% | 5,522 |
| Net loans and leases to core deposits | 56.7442% | 5,654 |
| Total domestic deposits to total assets | 94.1636% | 63 |
| Equity capital to assets | 4.8474% | 6,960 |
| Core capital (leverage) ratio | 4.5350% | 6,959 |
| Tier 1 risk-based capital ratio | 7.4423% | 6,934 |
| Total risk-based capital ratio | 8.6907% | 6,934 |
| Memoranda: | ||
| Average total assets | $69,565,400 | 5,640 |
| Average earning assets | $58,266,400 | 5,806 |
| Average equity | $2,626,200 | 6,857 |
| Average total loans | $38,676,200 | 5,561 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5283% | 6,477 |
| Cost of funding earning assets | 0.5299% | 5,244 |
| Net interest margin | 2.9984% | 6,174 |
| Noninterest income to average assets | 0.3895% | 4,715 |
| Noninterest expense to average assets | 6.5089% | 173 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | -3.5960% | 7,129 |
| Return on assets (ROA) | -3.5960% | 7,131 |
| Pretax return on assets | -3.5960% | 7,129 |
| Return on Equity (ROE) | -101.8260% | 7,163 |
| Retained earnings to average equity (ytd only) | -101.8260% | 7,162 |
| Net charge-offs to loans | 3.0758% | 171 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | -2.0908% | 5,653 |
| Efficiency ratio | 223.4496% | 31 |
| Assets per employee ($millions) | 2.4632% | 6,729 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7846% | 363 |
| Loan loss allowance to noncurrent loans | 13.3632% | 6,619 |
| Noncurrent assets plus other real estate owned to assets | 17.6149% | 61 |
| Noncurrent loans to loans | 28.3213% | 10 |
| Net loans and leases to total assets | 49.9314% | 5,317 |
| Net loans and leases to deposits | 53.1430% | 5,879 |
| Net loans and leases to core deposits | 54.4358% | 6,013 |
| Total domestic deposits to total assets | 93.9567% | 72 |
| Equity capital to assets | 5.1698% | 7,040 |
| Core capital (leverage) ratio | 5.0965% | 7,019 |
| Tier 1 risk-based capital ratio | 8.8634% | 6,952 |
| Total risk-based capital ratio | 10.1473% | 6,952 |
| Memoranda: | ||
| Average total assets | $70,855,250 | 5,669 |
| Average earning assets | $59,631,250 | 5,822 |
| Average equity | $2,502,250 | 6,971 |
| Average total loans | $39,619,750 | 5,594 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8174% | 6,102 |
| Cost of funding earning assets | 0.5693% | 5,154 |
| Net interest margin | 3.2480% | 5,601 |
| Noninterest income to average assets | 0.2717% | 5,632 |
| Noninterest expense to average assets | 7.9703% | 113 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | -4.9050% | 7,208 |
| Return on assets (ROA) | -4.9050% | 7,209 |
| Pretax return on assets | -4.9050% | 7,209 |
| Return on Equity (ROE) | -164.6298% | 7,226 |
| Retained earnings to average equity (ytd only) | -164.6298% | 7,226 |
| Net charge-offs to loans | 1.0625% | 1,034 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | -8.0605% | 5,459 |
| Efficiency ratio | 260.0185% | 25 |
| Assets per employee ($millions) | 2.4432% | 6,804 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3699% | 120 |
| Loan loss allowance to noncurrent loans | 20.8387% | 6,494 |
| Noncurrent assets plus other real estate owned to assets | 17.3274% | 66 |
| Noncurrent loans to loans | 25.7690% | 15 |
| Net loans and leases to total assets | 52.2801% | 5,061 |
| Net loans and leases to deposits | 56.1438% | 5,635 |
| Net loans and leases to core deposits | 58.1024% | 5,765 |
| Total domestic deposits to total assets | 93.1181% | 121 |
| Equity capital to assets | 5.4578% | 7,067 |
| Core capital (leverage) ratio | 5.1557% | 7,057 |
| Tier 1 risk-based capital ratio | 9.0748% | 6,975 |
| Total risk-based capital ratio | 10.3779% | 6,970 |
| Memoranda: | ||
| Average total assets | $70,662,330 | 5,714 |
| Average earning assets | $60,775,000 | 5,809 |
| Average equity | $2,105,330 | 7,078 |
| Average total loans | $40,469,330 | 5,580 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7651% | 6,315 |
| Cost of funding earning assets | 0.6517% | 4,720 |
| Net interest margin | 3.1135% | 6,003 |
| Noninterest income to average assets | 0.3684% | 4,924 |
| Noninterest expense to average assets | 7.3405% | 135 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -4.2910% | 7,261 |
| Return on assets (ROA) | -4.2910% | 7,260 |
| Pretax return on assets | -4.2910% | 7,256 |
| Return on Equity (ROE) | -247.2846% | 7,293 |
| Retained earnings to average equity (ytd only) | -247.2846% | 7,291 |
| Net charge-offs to loans | -0.3209% | 7,085 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 240.7063% | 27 |
| Assets per employee ($millions) | 2.8732% | 6,401 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.7959% | 93 |
| Loan loss allowance to noncurrent loans | 42.5262% | 5,478 |
| Noncurrent assets plus other real estate owned to assets | 10.9915% | 246 |
| Noncurrent loans to loans | 13.6290% | 149 |
| Net loans and leases to total assets | 51.1305% | 5,127 |
| Net loans and leases to deposits | 55.3269% | 5,671 |
| Net loans and leases to core deposits | 58.7260% | 5,650 |
| Total domestic deposits to total assets | 92.4153% | 202 |
| Equity capital to assets | 6.4830% | 7,020 |
| Core capital (leverage) ratio | 6.9719% | 6,849 |
| Tier 1 risk-based capital ratio | 11.6077% | 6,216 |
| Total risk-based capital ratio | 12.9124% | 6,160 |
| Memoranda: | ||
| Average total assets | $70,567,000 | 5,749 |
| Average earning assets | $60,768,500 | 5,846 |
| Average equity | $1,224,500 | 7,257 |
| Average total loans | $41,132,000 | 5,592 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0376% | 6,385 |
| Cost of funding earning assets | 0.7435% | 5,253 |
| Net interest margin | 3.2941% | 5,823 |
| Noninterest income to average assets | 0.3960% | 4,647 |
| Noninterest expense to average assets | 7.6423% | 115 |
| Loan and lease loss provision to assets | 2.4503% | 185 |
| Net operating income to assets | -6.9033% | 7,332 |
| Return on assets (ROA) | -6.9033% | 7,334 |
| Pretax return on assets | -6.9033% | 7,337 |
| Return on Equity (ROE) | -406.3621% | 7,354 |
| Retained earnings to average equity (ytd only) | -406.3621% | 7,354 |
| Net charge-offs to loans | 5.1706% | 73 |
| Credit loss provision to net charge-offs | 72.4922% | 4,754 |
| Earnings coverage of net charge-offs (x) | -1.3174% | 6,234 |
| Efficiency ratio | 239.6179% | 37 |
| Assets per employee ($millions) | 2.5550% | 6,778 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.5540% | 124 |
| Loan loss allowance to noncurrent loans | 32.5742% | 6,042 |
| Noncurrent assets plus other real estate owned to assets | 15.1541% | 113 |
| Noncurrent loans to loans | 17.0502% | 89 |
| Net loans and leases to total assets | 59.3112% | 4,130 |
| Net loans and leases to deposits | 58.1685% | 5,680 |
| Net loans and leases to core deposits | 61.3694% | 5,716 |
| Total domestic deposits to total assets | 101.9644% | 2 |
| Equity capital to assets | -3.6037% | 7,356 |
| Core capital (leverage) ratio | -7.4259% | 7,357 |
| Tier 1 risk-based capital ratio | -13.5196% | 7,357 |
| Total risk-based capital ratio | -13.5196% | 7,357 |
| Memoranda: | ||
| Average total assets | $75,500,400 | 5,590 |
| Average earning assets | $64,022,600 | 5,735 |
| Average equity | $1,282,600 | 7,311 |
| Average total loans | $49,355,800 | 5,290 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0577% | 6,490 |
| Cost of funding earning assets | 0.7540% | 5,445 |
| Net interest margin | 3.3037% | 5,849 |
| Noninterest income to average assets | 0.9224% | 1,571 |
| Noninterest expense to average assets | 6.5407% | 162 |
| Loan and lease loss provision to assets | -0.6086% | 7,415 |
| Net operating income to assets | -2.2151% | 7,179 |
| Return on assets (ROA) | -2.2151% | 7,185 |
| Pretax return on assets | -2.2151% | 7,166 |
| Return on Equity (ROE) | -78.2387% | 7,358 |
| Retained earnings to average equity (ytd only) | -78.2387% | 7,357 |
| Net charge-offs to loans | 1.2432% | 1,247 |
| Credit loss provision to net charge-offs | -74.2678% | 6,497 |
| Earnings coverage of net charge-offs (x) | -3.4456% | 6,072 |
| Efficiency ratio | 175.9686% | 82 |
| Assets per employee ($millions) | 2.6463% | 6,727 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7382% | 222 |
| Loan loss allowance to noncurrent loans | 24.0616% | 6,535 |
| Noncurrent assets plus other real estate owned to assets | 18.2732% | 73 |
| Noncurrent loans to loans | 19.6918% | 57 |
| Net loans and leases to total assets | 61.5124% | 3,845 |
| Net loans and leases to deposits | 63.5796% | 5,228 |
| Net loans and leases to core deposits | 67.2553% | 5,275 |
| Total domestic deposits to total assets | 96.7487% | 24 |
| Equity capital to assets | 2.1442% | 7,393 |
| Core capital (leverage) ratio | 1.9063% | 7,406 |
| Tier 1 risk-based capital ratio | 3.0076% | 7,394 |
| Total risk-based capital ratio | 4.2975% | 7,395 |
| Memoranda: | ||
| Average total assets | $77,767,750 | 5,557 |
| Average earning assets | $65,783,500 | 5,722 |
| Average equity | $2,201,750 | 7,254 |
| Average total loans | $51,265,250 | 5,261 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1291% | 6,424 |
| Cost of funding earning assets | 0.7615% | 5,616 |
| Net interest margin | 3.3676% | 5,651 |
| Noninterest income to average assets | 0.9815% | 1,373 |
| Noninterest expense to average assets | 5.4336% | 274 |
| Loan and lease loss provision to assets | 0.5033% | 1,944 |
| Net operating income to assets | -2.0983% | 7,207 |
| Return on assets (ROA) | -2.0983% | 7,215 |
| Pretax return on assets | -2.0983% | 7,180 |
| Return on Equity (ROE) | -69.1134% | 7,398 |
| Retained earnings to average equity (ytd only) | -69.1134% | 7,395 |
| Net charge-offs to loans | 0.9891% | 1,588 |
| Credit loss provision to net charge-offs | 76.7176% | 3,866 |
| Earnings coverage of net charge-offs (x) | -2.4313% | 5,731 |
| Efficiency ratio | 141.5525% | 191 |
| Assets per employee ($millions) | 2.9787% | 6,131 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.0321% | 92 |
| Loan loss allowance to noncurrent loans | 26.1700% | 6,466 |
| Noncurrent assets plus other real estate owned to assets | 19.2390% | 73 |
| Noncurrent loans to loans | 23.0495% | 40 |
| Net loans and leases to total assets | 57.2956% | 4,768 |
| Net loans and leases to deposits | 58.9115% | 5,829 |
| Net loans and leases to core deposits | 63.9884% | 5,718 |
| Total domestic deposits to total assets | 97.2571% | 17 |
| Equity capital to assets | 2.4458% | 7,457 |
| Core capital (leverage) ratio | 2.4862% | 7,451 |
| Tier 1 risk-based capital ratio | 3.8584% | 7,436 |
| Total risk-based capital ratio | 5.1657% | 7,436 |
| Memoranda: | ||
| Average total assets | $79,874,000 | 5,551 |
| Average earning assets | $67,762,670 | 5,705 |
| Average equity | $2,425,000 | 7,266 |
| Average total loans | $52,975,000 | 5,251 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4489% | 5,513 |
| Cost of funding earning assets | 0.8046% | 5,554 |
| Net interest margin | 3.6444% | 4,352 |
| Noninterest income to average assets | 1.3317% | 725 |
| Noninterest expense to average assets | 5.5026% | 259 |
| Loan and lease loss provision to assets | 0.3518% | 2,446 |
| Net operating income to assets | -1.4272% | 7,172 |
| Return on assets (ROA) | -1.4272% | 7,175 |
| Pretax return on assets | -1.4272% | 7,133 |
| Return on Equity (ROE) | -42.8033% | 7,386 |
| Retained earnings to average equity (ytd only) | -42.8033% | 7,368 |
| Net charge-offs to loans | 0.6843% | 1,845 |
| Credit loss provision to net charge-offs | 74.4681% | 3,270 |
| Earnings coverage of net charge-offs (x) | -2.2766% | 4,971 |
| Efficiency ratio | 124.2906% | 307 |
| Assets per employee ($millions) | 2.9269% | 6,289 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.5734% | 132 |
| Loan loss allowance to noncurrent loans | 31.6529% | 6,193 |
| Noncurrent assets plus other real estate owned to assets | 15.8998% | 139 |
| Noncurrent loans to loans | 17.6080% | 96 |
| Net loans and leases to total assets | 64.2092% | 3,402 |
| Net loans and leases to deposits | 66.7351% | 4,872 |
| Net loans and leases to core deposits | 72.4969% | 4,726 |
| Total domestic deposits to total assets | 96.2152% | 27 |
| Equity capital to assets | 3.1863% | 7,479 |
| Core capital (leverage) ratio | 3.1299% | 7,478 |
| Tier 1 risk-based capital ratio | 4.6326% | 7,471 |
| Total risk-based capital ratio | 5.9358% | 7,471 |
| Memoranda: | ||
| Average total assets | $79,598,500 | 5,598 |
| Average earning assets | $67,611,500 | 5,746 |
| Average equity | $2,654,000 | 7,254 |
| Average total loans | $54,943,500 | 5,217 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7931% | 5,442 |
| Cost of funding earning assets | 1.0932% | 5,166 |
| Net interest margin | 3.6999% | 4,341 |
| Noninterest income to average assets | 0.4342% | 4,644 |
| Noninterest expense to average assets | 5.5302% | 298 |
| Loan and lease loss provision to assets | 2.4033% | 478 |
| Net operating income to assets | -4.3291% | 7,473 |
| Return on assets (ROA) | -4.2961% | 7,483 |
| Pretax return on assets | -4.2961% | 7,477 |
| Return on Equity (ROE) | -69.5033% | 7,517 |
| Retained earnings to average equity (ytd only) | -69.5033% | 7,516 |
| Net charge-offs to loans | 0.5627% | 3,366 |
| Credit loss provision to net charge-offs | 599.1477% | 363 |
| Earnings coverage of net charge-offs (x) | -4.8011% | 6,770 |
| Efficiency ratio | 153.4303% | 200 |
| Assets per employee ($millions) | 2.9693% | 6,172 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3767% | 153 |
| Loan loss allowance to noncurrent loans | 27.0132% | 6,484 |
| Noncurrent assets plus other real estate owned to assets | 17.5724% | 102 |
| Noncurrent loans to loans | 19.9038% | 71 |
| Net loans and leases to total assets | 66.2721% | 3,411 |
| Net loans and leases to deposits | 69.0740% | 4,951 |
| Net loans and leases to core deposits | 75.0109% | 4,850 |
| Total domestic deposits to total assets | 95.9437% | 41 |
| Equity capital to assets | 3.4801% | 7,537 |
| Core capital (leverage) ratio | 3.2204% | 7,543 |
| Tier 1 risk-based capital ratio | 4.9305% | 7,526 |
| Total risk-based capital ratio | 6.2314% | 7,529 |
| Memoranda: | ||
| Average total assets | $87,754,000 | 5,356 |
| Average earning assets | $75,191,800 | 5,504 |
| Average equity | $5,424,200 | 6,532 |
| Average total loans | $62,557,400 | 4,973 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6918% | 6,053 |
| Cost of funding earning assets | 1.1543% | 5,121 |
| Net interest margin | 3.5375% | 5,153 |
| Noninterest income to average assets | 0.6068% | 3,396 |
| Noninterest expense to average assets | 4.8335% | 431 |
| Loan and lease loss provision to assets | 0.0223% | 6,838 |
| Net operating income to assets | -1.2180% | 6,992 |
| Return on assets (ROA) | -1.1749% | 7,012 |
| Pretax return on assets | -1.1749% | 6,935 |
| Return on Equity (ROE) | -17.3163% | 7,168 |
| Retained earnings to average equity (ytd only) | -17.3163% | 7,147 |
| Net charge-offs to loans | 0.5008% | 3,277 |
| Credit loss provision to net charge-offs | 6.2241% | 6,349 |
| Earnings coverage of net charge-offs (x) | -3.3360% | 6,566 |
| Efficiency ratio | 132.8700% | 279 |
| Assets per employee ($millions) | 3.3038% | 5,451 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7332% | 3,045 |
| Loan loss allowance to noncurrent loans | 15.0014% | 7,074 |
| Noncurrent assets plus other real estate owned to assets | 12.0657% | 269 |
| Noncurrent loans to loans | 11.5535% | 320 |
| Net loans and leases to total assets | 65.8476% | 3,722 |
| Net loans and leases to deposits | 70.9336% | 5,009 |
| Net loans and leases to core deposits | 78.0395% | 4,800 |
| Total domestic deposits to total assets | 92.8298% | 114 |
| Equity capital to assets | 6.1971% | 7,466 |
| Core capital (leverage) ratio | 6.0050% | 7,434 |
| Tier 1 risk-based capital ratio | 8.6366% | 7,420 |
| Total risk-based capital ratio | 9.8907% | 7,430 |
| Memoranda: | ||
| Average total assets | $89,649,750 | 5,368 |
| Average earning assets | $76,813,500 | 5,519 |
| Average equity | $6,082,750 | 6,423 |
| Average total loans | $64,159,250 | 4,975 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8592% | 5,576 |
| Cost of funding earning assets | 1.2490% | 4,838 |
| Net interest margin | 3.6102% | 4,771 |
| Noninterest income to average assets | 0.5858% | 3,443 |
| Noninterest expense to average assets | 4.8486% | 419 |
| Loan and lease loss provision to assets | 0.0223% | 6,712 |
| Net operating income to assets | -1.2272% | 7,042 |
| Return on assets (ROA) | -1.2272% | 7,058 |
| Pretax return on assets | -1.2272% | 6,980 |
| Return on Equity (ROE) | -17.5823% | 7,217 |
| Retained earnings to average equity (ytd only) | -17.5823% | 7,185 |
| Net charge-offs to loans | 0.1158% | 5,018 |
| Credit loss provision to net charge-offs | 26.3158% | 5,790 |
| Earnings coverage of net charge-offs (x) | -14.2368% | 6,336 |
| Efficiency ratio | 133.0685% | 295 |
| Assets per employee ($millions) | 3.5464% | 4,803 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9516% | 2,300 |
| Loan loss allowance to noncurrent loans | 21.8523% | 6,850 |
| Noncurrent assets plus other real estate owned to assets | 9.4786% | 449 |
| Noncurrent loans to loans | 8.9309% | 533 |
| Net loans and leases to total assets | 64.7458% | 4,099 |
| Net loans and leases to deposits | 69.6741% | 5,329 |
| Net loans and leases to core deposits | 80.5028% | 4,633 |
| Total domestic deposits to total assets | 92.9266% | 116 |
| Equity capital to assets | 6.2494% | 7,506 |
| Core capital (leverage) ratio | 6.9048% | 7,238 |
| Tier 1 risk-based capital ratio | 8.6318% | 7,466 |
| Total risk-based capital ratio | 9.8890% | 7,482 |
| Memoranda: | ||
| Average total assets | $89,798,670 | 5,397 |
| Average earning assets | $76,062,000 | 5,574 |
| Average equity | $6,267,670 | 6,385 |
| Average total loans | $65,621,000 | 4,955 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3501% | 3,300 |
| Cost of funding earning assets | 1.3597% | 4,424 |
| Net interest margin | 3.9904% | 2,914 |
| Noninterest income to average assets | 0.7095% | 2,531 |
| Noninterest expense to average assets | 4.8053% | 429 |
| Loan and lease loss provision to assets | 0.0230% | 6,425 |
| Net operating income to assets | -0.8063% | 7,007 |
| Return on assets (ROA) | -0.8063% | 7,033 |
| Pretax return on assets | -0.8063% | 6,949 |
| Return on Equity (ROE) | -10.9213% | 7,165 |
| Retained earnings to average equity (ytd only) | -10.9213% | 7,007 |
| Net charge-offs to loans | 0.2275% | 3,556 |
| Credit loss provision to net charge-offs | 13.1579% | 5,021 |
| Earnings coverage of net charge-offs (x) | -4.4737% | 5,529 |
| Efficiency ratio | 119.4731% | 447 |
| Assets per employee ($millions) | 3.1209% | 5,949 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8626% | 2,544 |
| Loan loss allowance to noncurrent loans | 22.0290% | 6,914 |
| Noncurrent assets plus other real estate owned to assets | 9.3667% | 453 |
| Noncurrent loans to loans | 8.4552% | 618 |
| Net loans and leases to total assets | 74.1028% | 1,948 |
| Net loans and leases to deposits | 80.5088% | 3,551 |
| Net loans and leases to core deposits | 93.6442% | 2,884 |
| Total domestic deposits to total assets | 92.0432% | 231 |
| Equity capital to assets | 7.2530% | 7,250 |
| Core capital (leverage) ratio | 7.4037% | 6,931 |
| Tier 1 risk-based capital ratio | 8.9763% | 7,480 |
| Total risk-based capital ratio | 10.2329% | 7,493 |
| Memoranda: | ||
| Average total assets | $86,821,500 | 5,554 |
| Average earning assets | $72,073,000 | 5,773 |
| Average equity | $6,409,500 | 6,378 |
| Average total loans | $66,816,500 | 4,976 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6679% | 3,264 |
| Cost of funding earning assets | 1.7775% | 4,115 |
| Net interest margin | 3.8904% | 3,308 |
| Noninterest income to average assets | 0.4299% | 4,962 |
| Noninterest expense to average assets | 5.1414% | 475 |
| Loan and lease loss provision to assets | 1.3267% | 1,731 |
| Net operating income to assets | -2.6795% | 7,314 |
| Return on assets (ROA) | -2.6795% | 7,326 |
| Pretax return on assets | -2.6795% | 7,202 |
| Return on Equity (ROE) | -32.5034% | 7,445 |
| Retained earnings to average equity (ytd only) | -32.5034% | 7,428 |
| Net charge-offs to loans | 1.6687% | 1,515 |
| Credit loss provision to net charge-offs | 98.7844% | 5,638 |
| Earnings coverage of net charge-offs (x) | -1.0073% | 6,880 |
| Efficiency ratio | 135.7081% | 419 |
| Assets per employee ($millions) | 2.9744% | 6,281 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8655% | 2,355 |
| Loan loss allowance to noncurrent loans | 24.4337% | 6,831 |
| Noncurrent assets plus other real estate owned to assets | 7.7430% | 603 |
| Noncurrent loans to loans | 7.6349% | 678 |
| Net loans and leases to total assets | 76.9636% | 1,592 |
| Net loans and leases to deposits | 83.7873% | 3,318 |
| Net loans and leases to core deposits | 118.2839% | 2,097 |
| Total domestic deposits to total assets | 91.8559% | 290 |
| Equity capital to assets | 7.5134% | 7,024 |
| Core capital (leverage) ratio | 7.2430% | 7,033 |
| Tier 1 risk-based capital ratio | 9.1657% | 7,393 |
| Total risk-based capital ratio | 10.4217% | 7,399 |
| Memoranda: | ||
| Average total assets | $91,881,400 | 5,339 |
| Average earning assets | $79,323,800 | 5,480 |
| Average equity | $7,574,600 | 6,065 |
| Average total loans | $73,948,600 | 4,731 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6979% | 3,345 |
| Cost of funding earning assets | 1.8685% | 4,053 |
| Net interest margin | 3.8294% | 3,528 |
| Noninterest income to average assets | 0.5903% | 3,780 |
| Noninterest expense to average assets | 4.5464% | 703 |
| Loan and lease loss provision to assets | 0.5117% | 3,339 |
| Net operating income to assets | -1.1463% | 6,929 |
| Return on assets (ROA) | -1.1463% | 6,935 |
| Pretax return on assets | -1.1463% | 6,790 |
| Return on Equity (ROE) | -13.6253% | 7,113 |
| Retained earnings to average equity (ytd only) | -13.6253% | 7,051 |
| Net charge-offs to loans | 0.3090% | 4,105 |
| Credit loss provision to net charge-offs | 204.5714% | 2,172 |
| Earnings coverage of net charge-offs (x) | -2.5371% | 6,777 |
| Efficiency ratio | 116.2221% | 653 |
| Assets per employee ($millions) | 2.9733% | 6,237 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0015% | 1,798 |
| Loan loss allowance to noncurrent loans | 27.2286% | 6,648 |
| Noncurrent assets plus other real estate owned to assets | 7.1117% | 668 |
| Noncurrent loans to loans | 7.3505% | 710 |
| Net loans and leases to total assets | 77.5583% | 1,659 |
| Net loans and leases to deposits | 85.6306% | 3,393 |
| Net loans and leases to core deposits | 129.5571% | 1,459 |
| Total domestic deposits to total assets | 90.5731% | 555 |
| Equity capital to assets | 8.7966% | 5,801 |
| Core capital (leverage) ratio | 8.8538% | 4,890 |
| Tier 1 risk-based capital ratio | 10.8487% | 6,107 |
| Total risk-based capital ratio | 12.0918% | 6,070 |
| Memoranda: | ||
| Average total assets | $93,287,000 | 5,323 |
| Average earning assets | $80,916,250 | 5,460 |
| Average equity | $7,848,000 | 6,033 |
| Average total loans | $75,523,250 | 4,717 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8509% | 2,801 |
| Cost of funding earning assets | 1.9145% | 4,191 |
| Net interest margin | 3.9364% | 2,950 |
| Noninterest income to average assets | 0.6406% | 3,413 |
| Noninterest expense to average assets | 4.4523% | 806 |
| Loan and lease loss provision to assets | 0.1495% | 5,577 |
| Net operating income to assets | -0.5189% | 6,565 |
| Return on assets (ROA) | -0.5189% | 6,574 |
| Pretax return on assets | -0.5189% | 6,450 |
| Return on Equity (ROE) | -6.2618% | 6,740 |
| Retained earnings to average equity (ytd only) | -6.2618% | 6,486 |
| Net charge-offs to loans | 0.3325% | 3,516 |
| Credit loss provision to net charge-offs | 55.1181% | 5,677 |
| Earnings coverage of net charge-offs (x) | -1.3622% | 6,300 |
| Efficiency ratio | 109.0481% | 873 |
| Assets per employee ($millions) | 2.9826% | 6,181 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7097% | 2,304 |
| Loan loss allowance to noncurrent loans | 36.0627% | 6,021 |
| Noncurrent assets plus other real estate owned to assets | 4.9469% | 1,080 |
| Noncurrent loans to loans | 4.7408% | 1,328 |
| Net loans and leases to total assets | 75.8571% | 2,213 |
| Net loans and leases to deposits | 83.5655% | 3,957 |
| Net loans and leases to core deposits | 132.6907% | 1,388 |
| Total domestic deposits to total assets | 90.7757% | 529 |
| Equity capital to assets | 8.8685% | 5,496 |
| Core capital (leverage) ratio | 8.9409% | 4,726 |
| Tier 1 risk-based capital ratio | 11.3217% | 5,569 |
| Total risk-based capital ratio | 12.5609% | 5,484 |
| Memoranda: | ||
| Average total assets | $93,658,670 | 5,356 |
| Average earning assets | $81,902,330 | 5,470 |
| Average equity | $7,761,330 | 6,102 |
| Average total loans | $76,382,000 | 4,722 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8313% | 3,131 |
| Cost of funding earning assets | 1.9310% | 4,482 |
| Net interest margin | 3.9003% | 3,037 |
| Noninterest income to average assets | 0.6026% | 3,526 |
| Noninterest expense to average assets | 4.2267% | 915 |
| Loan and lease loss provision to assets | 0.4074% | 2,881 |
| Net operating income to assets | -0.5687% | 6,940 |
| Return on assets (ROA) | -0.5687% | 6,986 |
| Pretax return on assets | -0.5687% | 6,878 |
| Return on Equity (ROE) | -7.1069% | 7,157 |
| Retained earnings to average equity (ytd only) | -7.1069% | 6,806 |
| Net charge-offs to loans | 0.0507% | 4,762 |
| Credit loss provision to net charge-offs | 960.0000% | 651 |
| Earnings coverage of net charge-offs (x) | -3.8000% | 5,538 |
| Efficiency ratio | 103.9666% | 988 |
| Assets per employee ($millions) | 2.9993% | 6,154 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7251% | 2,061 |
| Loan loss allowance to noncurrent loans | 43.7701% | 5,606 |
| Noncurrent assets plus other real estate owned to assets | 4.6366% | 1,019 |
| Noncurrent loans to loans | 3.9412% | 1,539 |
| Net loans and leases to total assets | 83.5133% | 767 |
| Net loans and leases to deposits | 97.0588% | 1,795 |
| Net loans and leases to core deposits | 155.0654% | 579 |
| Total domestic deposits to total assets | 86.0440% | 2,692 |
| Equity capital to assets | 8.0890% | 6,686 |
| Core capital (leverage) ratio | 8.3576% | 5,795 |
| Tier 1 risk-based capital ratio | 9.9961% | 6,926 |
| Total risk-based capital ratio | 11.2521% | 6,825 |
| Memoranda: | ||
| Average total assets | $94,257,000 | 5,366 |
| Average earning assets | $83,686,000 | 5,436 |
| Average equity | $7,542,000 | 6,206 |
| Average total loans | $78,893,500 | 4,649 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0462% | 5,314 |
| Cost of funding earning assets | 2.3731% | 4,842 |
| Net interest margin | 3.6732% | 4,590 |
| Noninterest income to average assets | 0.5473% | 4,251 |
| Noninterest expense to average assets | 4.2840% | 1,065 |
| Loan and lease loss provision to assets | 0.9716% | 1,516 |
| Net operating income to assets | -1.4149% | 7,430 |
| Return on assets (ROA) | -1.7066% | 7,482 |
| Pretax return on assets | -1.7066% | 7,341 |
| Return on Equity (ROE) | -21.3028% | 7,786 |
| Retained earnings to average equity (ytd only) | -21.3028% | 7,713 |
| Net charge-offs to loans | 0.2283% | 3,956 |
| Credit loss provision to net charge-offs | 517.5141% | 848 |
| Earnings coverage of net charge-offs (x) | -2.3616% | 6,726 |
| Efficiency ratio | 111.5438% | 684 |
| Assets per employee ($millions) | 3.1845% | 5,528 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6211% | 2,155 |
| Loan loss allowance to noncurrent loans | 37.4707% | 6,224 |
| Noncurrent assets plus other real estate owned to assets | 4.8233% | 747 |
| Noncurrent loans to loans | 4.3262% | 1,113 |
| Net loans and leases to total assets | 81.1192% | 1,410 |
| Net loans and leases to deposits | 93.0449% | 2,948 |
| Net loans and leases to core deposits | 144.4322% | 1,075 |
| Total domestic deposits to total assets | 87.1828% | 1,848 |
| Equity capital to assets | 7.9164% | 6,946 |
| Core capital (leverage) ratio | 8.5437% | 5,488 |
| Tier 1 risk-based capital ratio | 9.9721% | 6,762 |
| Total risk-based capital ratio | 11.2267% | 6,639 |
| Memoranda: | ||
| Average total assets | $94,281,800 | 5,221 |
| Average earning assets | $84,531,800 | 5,289 |
| Average equity | $7,553,000 | 6,256 |
| Average total loans | $77,523,200 | 4,601 |