Home > Emerald Bank > Performance and Condition Ratios
Emerald 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 | 5.1555% | 698 |
| Cost of funding earning assets | 0.6806% | 1,954 |
| Net interest margin | 4.4748% | 778 |
| Noninterest income to average assets | 0.0781% | 6,463 |
| Noninterest expense to average assets | 2.8584% | 3,497 |
| Loan and lease loss provision to assets | 0.1890% | 1,952 |
| Net operating income to assets | 0.7528% | 3,533 |
| Return on assets (ROA) | 0.7537% | 3,622 |
| Pretax return on assets | 1.1003% | 2,946 |
| Return on Equity (ROE) | 5.3055% | 4,494 |
| Retained earnings to average equity (ytd only) | 5.3055% | 2,414 |
| Net charge-offs to loans | 0.4143% | 1,616 |
| Credit loss provision to net charge-offs | 60.9756% | 3,534 |
| Earnings coverage of net charge-offs (x) | 4.1545% | 3,658 |
| Efficiency ratio | 68.9362% | 4,032 |
| Assets per employee ($millions) | 6.9594% | 787 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3042% | 337 |
| Loan loss allowance to noncurrent loans | 50.6707% | 5,228 |
| Noncurrent assets plus other real estate owned to assets | 5.6722% | 358 |
| Noncurrent loans to loans | 6.5209% | 280 |
| Net loans and leases to total assets | 75.4457% | 1,158 |
| Net loans and leases to deposits | 89.9676% | 1,240 |
| Net loans and leases to core deposits | 92.3166% | 1,764 |
| Total domestic deposits to total assets | 83.8588% | 4,217 |
| Equity capital to assets | 13.4961% | 1,071 |
| Core capital (leverage) ratio | 10.9203% | 2,459 |
| Tier 1 risk-based capital ratio | 12.4846% | 5,300 |
| Total risk-based capital ratio | 13.7570% | 5,239 |
| Memoranda: | ||
| Average total assets | $79,344,600 | 5,251 |
| Average earning assets | $72,137,200 | 5,251 |
| Average equity | $11,271,400 | 4,585 |
| Average total loans | $59,384,200 | 4,635 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1870% | 667 |
| Cost of funding earning assets | 0.7198% | 1,811 |
| Net interest margin | 4.4672% | 775 |
| Noninterest income to average assets | 0.0715% | 6,570 |
| Noninterest expense to average assets | 2.8385% | 3,532 |
| Loan and lease loss provision to assets | 0.0851% | 3,356 |
| Net operating income to assets | 0.7974% | 3,356 |
| Return on assets (ROA) | 0.7986% | 3,482 |
| Pretax return on assets | 1.1970% | 2,708 |
| Return on Equity (ROE) | 5.5478% | 4,443 |
| Retained earnings to average equity (ytd only) | 5.5478% | 2,697 |
| Net charge-offs to loans | 0.4096% | 1,569 |
| Credit loss provision to net charge-offs | 28.0899% | 3,930 |
| Earnings coverage of net charge-offs (x) | 4.2247% | 3,496 |
| Efficiency ratio | 68.9128% | 3,931 |
| Assets per employee ($millions) | 6.7367% | 838 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4101% | 367 |
| Loan loss allowance to noncurrent loans | 52.7875% | 5,110 |
| Noncurrent assets plus other real estate owned to assets | 5.5740% | 463 |
| Noncurrent loans to loans | 6.4600% | 357 |
| Net loans and leases to total assets | 74.3159% | 1,247 |
| Net loans and leases to deposits | 88.5269% | 1,311 |
| Net loans and leases to core deposits | 89.8912% | 1,976 |
| Total domestic deposits to total assets | 83.9473% | 4,206 |
| Equity capital to assets | 13.8805% | 999 |
| Core capital (leverage) ratio | 11.1943% | 2,312 |
| Tier 1 risk-based capital ratio | 13.2092% | 4,978 |
| Total risk-based capital ratio | 14.4857% | 4,895 |
| Memoranda: | ||
| Average total assets | $78,302,500 | 5,331 |
| Average earning assets | $70,944,750 | 5,340 |
| Average equity | $11,271,500 | 4,632 |
| Average total loans | $57,940,250 | 4,733 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1537% | 690 |
| Cost of funding earning assets | 0.7636% | 1,630 |
| Net interest margin | 4.3901% | 868 |
| Noninterest income to average assets | 0.0491% | 6,674 |
| Noninterest expense to average assets | 2.8713% | 3,434 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.7548% | 3,539 |
| Return on assets (ROA) | 0.7566% | 3,681 |
| Pretax return on assets | 1.1439% | 2,915 |
| Return on Equity (ROE) | 5.1912% | 4,624 |
| Retained earnings to average equity (ytd only) | 5.1912% | 2,932 |
| Net charge-offs to loans | 0.6334% | 1,040 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 2.4693% | 3,701 |
| Efficiency ratio | 71.5573% | 3,549 |
| Assets per employee ($millions) | 5.6406% | 1,467 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4274% | 394 |
| Loan loss allowance to noncurrent loans | 85.2614% | 3,863 |
| Noncurrent assets plus other real estate owned to assets | 3.7268% | 987 |
| Noncurrent loans to loans | 4.0199% | 961 |
| Net loans and leases to total assets | 73.8948% | 1,263 |
| Net loans and leases to deposits | 87.6910% | 1,380 |
| Net loans and leases to core deposits | 90.0928% | 1,899 |
| Total domestic deposits to total assets | 84.2672% | 4,214 |
| Equity capital to assets | 14.1410% | 923 |
| Core capital (leverage) ratio | 11.3792% | 2,036 |
| Tier 1 risk-based capital ratio | 13.1126% | 5,060 |
| Total risk-based capital ratio | 14.3858% | 4,986 |
| Memoranda: | ||
| Average total assets | $77,456,670 | 5,380 |
| Average earning assets | $69,929,670 | 5,396 |
| Average equity | $11,288,330 | 4,665 |
| Average total loans | $56,521,000 | 4,807 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1614% | 665 |
| Cost of funding earning assets | 0.8265% | 1,385 |
| Net interest margin | 4.3349% | 900 |
| Noninterest income to average assets | 0.0887% | 6,618 |
| Noninterest expense to average assets | 3.0978% | 2,683 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.5808% | 4,309 |
| Return on assets (ROA) | 0.5841% | 4,443 |
| Pretax return on assets | 0.9074% | 3,732 |
| Return on Equity (ROE) | 3.9475% | 5,121 |
| Retained earnings to average equity (ytd only) | 3.9475% | 3,870 |
| Net charge-offs to loans | 0.2052% | 2,193 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 6.1786% | 2,260 |
| Efficiency ratio | 77.4446% | 2,701 |
| Assets per employee ($millions) | 5.4582% | 1,700 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0973% | 262 |
| Loan loss allowance to noncurrent loans | 92.4646% | 3,565 |
| Noncurrent assets plus other real estate owned to assets | 3.8474% | 1,063 |
| Noncurrent loans to loans | 4.4312% | 954 |
| Net loans and leases to total assets | 68.0298% | 2,000 |
| Net loans and leases to deposits | 81.8455% | 1,851 |
| Net loans and leases to core deposits | 84.9081% | 2,224 |
| Total domestic deposits to total assets | 83.1198% | 4,817 |
| Equity capital to assets | 14.8911% | 781 |
| Core capital (leverage) ratio | 10.8587% | 2,391 |
| Tier 1 risk-based capital ratio | 14.5130% | 4,165 |
| Total risk-based capital ratio | 15.7958% | 4,108 |
| Memoranda: | ||
| Average total assets | $76,700,500 | 5,444 |
| Average earning assets | $69,206,500 | 5,457 |
| Average equity | $11,349,000 | 4,707 |
| Average total loans | $54,569,000 | 4,899 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8596% | 1,990 |
| Cost of funding earning assets | 0.9934% | 1,390 |
| Net interest margin | 3.8661% | 2,966 |
| Noninterest income to average assets | 0.2277% | 5,815 |
| Noninterest expense to average assets | 2.7041% | 4,386 |
| Loan and lease loss provision to assets | 0.6996% | 737 |
| Net operating income to assets | 0.2242% | 5,722 |
| Return on assets (ROA) | 0.3053% | 5,655 |
| Pretax return on assets | 0.4681% | 5,377 |
| Return on Equity (ROE) | 2.1356% | 5,861 |
| Retained earnings to average equity (ytd only) | 2.1356% | 4,729 |
| Net charge-offs to loans | 0.7492% | 1,563 |
| Credit loss provision to net charge-offs | 136.1386% | 2,037 |
| Earnings coverage of net charge-offs (x) | 2.0297% | 4,396 |
| Efficiency ratio | 72.1656% | 3,386 |
| Assets per employee ($millions) | 6.9987% | 762 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0942% | 267 |
| Loan loss allowance to noncurrent loans | 85.3834% | 3,752 |
| Noncurrent assets plus other real estate owned to assets | 3.9851% | 1,076 |
| Noncurrent loans to loans | 4.7950% | 855 |
| Net loans and leases to total assets | 68.4319% | 2,114 |
| Net loans and leases to deposits | 82.5054% | 1,935 |
| Net loans and leases to core deposits | 85.2186% | 2,403 |
| Total domestic deposits to total assets | 82.9424% | 4,744 |
| Equity capital to assets | 14.7027% | 820 |
| Core capital (leverage) ratio | 10.6114% | 2,645 |
| Tier 1 risk-based capital ratio | 14.1633% | 4,270 |
| Total risk-based capital ratio | 15.4484% | 4,206 |
| Memoranda: | ||
| Average total assets | $78,621,800 | 5,395 |
| Average earning assets | $71,570,000 | 5,380 |
| Average equity | $11,237,800 | 4,714 |
| Average total loans | $53,925,400 | 4,944 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7975% | 2,399 |
| Cost of funding earning assets | 1.0217% | 1,441 |
| Net interest margin | 3.7758% | 3,438 |
| Noninterest income to average assets | 0.2666% | 5,646 |
| Noninterest expense to average assets | 2.6554% | 4,535 |
| Loan and lease loss provision to assets | 0.5483% | 1,064 |
| Net operating income to assets | 0.3324% | 5,502 |
| Return on assets (ROA) | 0.3324% | 5,705 |
| Pretax return on assets | 0.5044% | 5,457 |
| Return on Equity (ROE) | 2.3415% | 5,932 |
| Retained earnings to average equity (ytd only) | 2.3415% | 5,166 |
| Net charge-offs to loans | 0.6707% | 1,640 |
| Credit loss provision to net charge-offs | 120.3704% | 2,408 |
| Earnings coverage of net charge-offs (x) | 2.3111% | 4,120 |
| Efficiency ratio | 71.6106% | 3,398 |
| Assets per employee ($millions) | 7.1724% | 687 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8536% | 346 |
| Loan loss allowance to noncurrent loans | 58.4507% | 4,722 |
| Noncurrent assets plus other real estate owned to assets | 5.6923% | 735 |
| Noncurrent loans to loans | 6.5930% | 576 |
| Net loans and leases to total assets | 68.2430% | 2,260 |
| Net loans and leases to deposits | 83.7132% | 1,902 |
| Net loans and leases to core deposits | 86.4332% | 2,409 |
| Total domestic deposits to total assets | 81.5200% | 5,184 |
| Equity capital to assets | 14.4342% | 990 |
| Core capital (leverage) ratio | 10.2588% | 3,212 |
| Tier 1 risk-based capital ratio | 13.4264% | 4,928 |
| Total risk-based capital ratio | 14.7140% | 4,861 |
| Memoranda: | ||
| Average total assets | $79,030,750 | 5,435 |
| Average earning assets | $72,036,000 | 5,429 |
| Average equity | $11,217,500 | 4,764 |
| Average total loans | $53,673,750 | 5,005 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6257% | 3,249 |
| Cost of funding earning assets | 1.0335% | 1,557 |
| Net interest margin | 3.5922% | 4,293 |
| Noninterest income to average assets | 0.3364% | 5,138 |
| Noninterest expense to average assets | 2.6683% | 4,545 |
| Loan and lease loss provision to assets | 0.6323% | 921 |
| Net operating income to assets | 0.1998% | 5,917 |
| Return on assets (ROA) | 0.1998% | 6,101 |
| Pretax return on assets | 0.3060% | 5,956 |
| Return on Equity (ROE) | 1.4157% | 6,211 |
| Retained earnings to average equity (ytd only) | 1.4157% | 5,485 |
| Net charge-offs to loans | 0.2079% | 3,325 |
| Credit loss provision to net charge-offs | 454.5455% | 656 |
| Earnings coverage of net charge-offs (x) | 6.7455% | 2,586 |
| Efficiency ratio | 73.9832% | 3,078 |
| Assets per employee ($millions) | 7.1445% | 683 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1565% | 313 |
| Loan loss allowance to noncurrent loans | 50.4167% | 5,097 |
| Noncurrent assets plus other real estate owned to assets | 6.5849% | 620 |
| Noncurrent loans to loans | 8.2443% | 405 |
| Net loans and leases to total assets | 67.4547% | 2,381 |
| Net loans and leases to deposits | 83.0336% | 1,975 |
| Net loans and leases to core deposits | 86.0920% | 2,420 |
| Total domestic deposits to total assets | 81.2378% | 5,381 |
| Equity capital to assets | 14.3124% | 974 |
| Core capital (leverage) ratio | 9.9148% | 3,544 |
| Tier 1 risk-based capital ratio | 13.3779% | 4,915 |
| Total risk-based capital ratio | 14.6629% | 4,853 |
| Memoranda: | ||
| Average total assets | $79,075,670 | 5,463 |
| Average earning assets | $71,989,330 | 5,459 |
| Average equity | $11,160,670 | 4,775 |
| Average total loans | $52,898,670 | 5,065 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5302% | 3,797 |
| Cost of funding earning assets | 1.0510% | 1,669 |
| Net interest margin | 3.4792% | 4,793 |
| Noninterest income to average assets | 0.5396% | 3,627 |
| Noninterest expense to average assets | 2.7988% | 4,031 |
| Loan and lease loss provision to assets | 0.7564% | 670 |
| Net operating income to assets | 0.1059% | 6,228 |
| Return on assets (ROA) | 0.1059% | 6,354 |
| Pretax return on assets | 0.1563% | 6,277 |
| Return on Equity (ROE) | 0.7556% | 6,393 |
| Retained earnings to average equity (ytd only) | 0.7556% | 5,758 |
| Net charge-offs to loans | 0.4256% | 2,034 |
| Credit loss provision to net charge-offs | 272.7273% | 1,067 |
| Earnings coverage of net charge-offs (x) | 3.2909% | 2,893 |
| Efficiency ratio | 75.4076% | 2,864 |
| Assets per employee ($millions) | 7.3486% | 637 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3034% | 289 |
| Loan loss allowance to noncurrent loans | 47.3718% | 5,229 |
| Noncurrent assets plus other real estate owned to assets | 6.4242% | 704 |
| Noncurrent loans to loans | 9.0843% | 368 |
| Net loans and leases to total assets | 60.4936% | 3,560 |
| Net loans and leases to deposits | 74.1111% | 3,111 |
| Net loans and leases to core deposits | 76.4397% | 3,566 |
| Total domestic deposits to total assets | 81.6255% | 5,417 |
| Equity capital to assets | 13.7280% | 1,129 |
| Core capital (leverage) ratio | 9.7360% | 3,726 |
| Tier 1 risk-based capital ratio | 13.5661% | 4,780 |
| Total risk-based capital ratio | 14.8504% | 4,740 |
| Memoranda: | ||
| Average total assets | $79,319,000 | 5,498 |
| Average earning assets | $72,315,000 | 5,486 |
| Average equity | $11,117,000 | 4,799 |
| Average total loans | $51,692,500 | 5,156 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9572% | 3,080 |
| Cost of funding earning assets | 1.2640% | 1,659 |
| Net interest margin | 3.6932% | 4,330 |
| Noninterest income to average assets | 0.0854% | 6,698 |
| Noninterest expense to average assets | 2.8318% | 4,230 |
| Loan and lease loss provision to assets | 1.3752% | 572 |
| Net operating income to assets | -0.5140% | 6,498 |
| Return on assets (ROA) | -0.5140% | 6,543 |
| Pretax return on assets | -0.7784% | 6,638 |
| Return on Equity (ROE) | -3.7382% | 6,458 |
| Retained earnings to average equity (ytd only) | -3.7382% | 6,350 |
| Net charge-offs to loans | 2.0272% | 678 |
| Credit loss provision to net charge-offs | 97.7230% | 3,679 |
| Earnings coverage of net charge-offs (x) | 0.4241% | 5,501 |
| Efficiency ratio | 82.5935% | 1,940 |
| Assets per employee ($millions) | 7.0730% | 701 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0221% | 378 |
| Loan loss allowance to noncurrent loans | 34.4528% | 5,913 |
| Noncurrent assets plus other real estate owned to assets | 8.5562% | 439 |
| Noncurrent loans to loans | 11.6743% | 235 |
| Net loans and leases to total assets | 64.5001% | 3,081 |
| Net loans and leases to deposits | 79.8393% | 2,551 |
| Net loans and leases to core deposits | 83.1533% | 3,000 |
| Total domestic deposits to total assets | 80.7874% | 5,515 |
| Equity capital to assets | 14.3144% | 962 |
| Core capital (leverage) ratio | 9.5816% | 3,903 |
| Tier 1 risk-based capital ratio | 12.7640% | 5,264 |
| Total risk-based capital ratio | 14.0631% | 5,209 |
| Memoranda: | ||
| Average total assets | $74,899,600 | 5,612 |
| Average earning assets | $67,799,800 | 5,619 |
| Average equity | $10,299,000 | 4,945 |
| Average total loans | $51,994,000 | 5,191 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0833% | 2,688 |
| Cost of funding earning assets | 1.3226% | 1,581 |
| Net interest margin | 3.7607% | 4,054 |
| Noninterest income to average assets | 0.0773% | 6,853 |
| Noninterest expense to average assets | 2.7430% | 4,568 |
| Loan and lease loss provision to assets | 1.5818% | 419 |
| Net operating income to assets | -0.5626% | 6,671 |
| Return on assets (ROA) | -0.5626% | 6,719 |
| Pretax return on assets | -0.8538% | 6,809 |
| Return on Equity (ROE) | -4.1362% | 6,636 |
| Retained earnings to average equity (ytd only) | -4.1362% | 6,524 |
| Net charge-offs to loans | 0.2285% | 4,009 |
| Credit loss provision to net charge-offs | 988.7640% | 267 |
| Earnings coverage of net charge-offs (x) | 4.5507% | 3,027 |
| Efficiency ratio | 79.0264% | 2,404 |
| Assets per employee ($millions) | 6.7229% | 841 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6224% | 125 |
| Loan loss allowance to noncurrent loans | 42.5883% | 5,464 |
| Noncurrent assets plus other real estate owned to assets | 10.0078% | 356 |
| Noncurrent loans to loans | 13.2018% | 195 |
| Net loans and leases to total assets | 66.2565% | 2,842 |
| Net loans and leases to deposits | 81.5288% | 2,443 |
| Net loans and leases to core deposits | 84.6764% | 2,960 |
| Total domestic deposits to total assets | 81.2676% | 5,352 |
| Equity capital to assets | 14.2200% | 1,078 |
| Core capital (leverage) ratio | 9.2213% | 4,590 |
| Tier 1 risk-based capital ratio | 11.5296% | 6,227 |
| Total risk-based capital ratio | 12.8337% | 6,180 |
| Memoranda: | ||
| Average total assets | $74,173,750 | 5,676 |
| Average earning assets | $66,936,750 | 5,683 |
| Average equity | $10,089,500 | 5,014 |
| Average total loans | $51,921,000 | 5,231 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1184% | 2,595 |
| Cost of funding earning assets | 1.3916% | 1,456 |
| Net interest margin | 3.7268% | 4,140 |
| Noninterest income to average assets | 0.0727% | 6,947 |
| Noninterest expense to average assets | 2.6721% | 4,931 |
| Loan and lease loss provision to assets | 1.1044% | 740 |
| Net operating income to assets | -0.2290% | 6,496 |
| Return on assets (ROA) | -0.2290% | 6,535 |
| Pretax return on assets | -0.3421% | 6,556 |
| Return on Equity (ROE) | -1.7090% | 6,488 |
| Retained earnings to average equity (ytd only) | -1.7090% | 6,200 |
| Net charge-offs to loans | 0.1001% | 4,679 |
| Credit loss provision to net charge-offs | 1,576.9231% | 222 |
| Earnings coverage of net charge-offs (x) | 10.8846% | 1,759 |
| Efficiency ratio | 77.8039% | 2,739 |
| Assets per employee ($millions) | 6.3340% | 1,006 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8646% | 206 |
| Loan loss allowance to noncurrent loans | 44.1399% | 5,377 |
| Noncurrent assets plus other real estate owned to assets | 8.6603% | 495 |
| Noncurrent loans to loans | 11.0210% | 316 |
| Net loans and leases to total assets | 70.5084% | 2,112 |
| Net loans and leases to deposits | 87.4221% | 1,587 |
| Net loans and leases to core deposits | 88.9658% | 2,503 |
| Total domestic deposits to total assets | 80.6528% | 5,635 |
| Equity capital to assets | 14.8032% | 862 |
| Core capital (leverage) ratio | 9.5774% | 3,850 |
| Tier 1 risk-based capital ratio | 13.4268% | 4,590 |
| Total risk-based capital ratio | 14.7259% | 4,524 |
| Memoranda: | ||
| Average total assets | $74,247,670 | 5,714 |
| Average earning assets | $66,974,000 | 5,729 |
| Average equity | $9,947,330 | 5,059 |
| Average total loans | $51,922,330 | 5,288 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9924% | 3,136 |
| Cost of funding earning assets | 1.4173% | 1,522 |
| Net interest margin | 3.5751% | 4,686 |
| Noninterest income to average assets | 0.0732% | 7,026 |
| Noninterest expense to average assets | 2.2369% | 6,335 |
| Loan and lease loss provision to assets | 0.9930% | 778 |
| Net operating income to assets | 0.0470% | 6,241 |
| Return on assets (ROA) | 0.0470% | 6,281 |
| Pretax return on assets | 0.0732% | 6,228 |
| Return on Equity (ROE) | 0.3687% | 6,287 |
| Retained earnings to average equity (ytd only) | 0.3687% | 5,667 |
| Net charge-offs to loans | 0.2228% | 3,198 |
| Credit loss provision to net charge-offs | 655.1724% | 575 |
| Earnings coverage of net charge-offs (x) | 7.0345% | 2,012 |
| Efficiency ratio | 67.7215% | 4,707 |
| Assets per employee ($millions) | 6.7970% | 814 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4062% | 305 |
| Loan loss allowance to noncurrent loans | 40.6500% | 5,583 |
| Noncurrent assets plus other real estate owned to assets | 8.2764% | 556 |
| Noncurrent loans to loans | 10.8393% | 346 |
| Net loans and leases to total assets | 66.4210% | 2,896 |
| Net loans and leases to deposits | 80.9879% | 2,529 |
| Net loans and leases to core deposits | 82.2897% | 3,417 |
| Total domestic deposits to total assets | 82.0135% | 5,311 |
| Equity capital to assets | 13.0164% | 1,377 |
| Core capital (leverage) ratio | 8.5431% | 5,363 |
| Tier 1 risk-based capital ratio | 12.2482% | 5,477 |
| Total risk-based capital ratio | 13.5397% | 5,442 |
| Memoranda: | ||
| Average total assets | $76,534,500 | 5,684 |
| Average earning assets | $69,145,500 | 5,696 |
| Average equity | $9,764,000 | 5,102 |
| Average total loans | $52,064,500 | 5,328 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2769% | 3,231 |
| Cost of funding earning assets | 1.7531% | 1,368 |
| Net interest margin | 3.5238% | 5,142 |
| Noninterest income to average assets | 0.0520% | 7,092 |
| Noninterest expense to average assets | 2.5777% | 5,512 |
| Loan and lease loss provision to assets | 1.2275% | 1,268 |
| Net operating income to assets | -0.3896% | 6,301 |
| Return on assets (ROA) | -0.3896% | 6,330 |
| Pretax return on assets | -0.5617% | 6,366 |
| Return on Equity (ROE) | -3.0084% | 6,276 |
| Retained earnings to average equity (ytd only) | -3.0084% | 6,096 |
| Net charge-offs to loans | 1.0243% | 2,149 |
| Credit loss provision to net charge-offs | 173.2580% | 1,943 |
| Earnings coverage of net charge-offs (x) | 0.9397% | 5,171 |
| Efficiency ratio | 79.4735% | 2,485 |
| Assets per employee ($millions) | 7.1184% | 711 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0783% | 372 |
| Loan loss allowance to noncurrent loans | 54.1338% | 4,774 |
| Noncurrent assets plus other real estate owned to assets | 5.4584% | 1,138 |
| Noncurrent loans to loans | 7.5337% | 718 |
| Net loans and leases to total assets | 63.9205% | 3,893 |
| Net loans and leases to deposits | 77.4484% | 3,596 |
| Net loans and leases to core deposits | 78.9373% | 4,351 |
| Total domestic deposits to total assets | 82.5330% | 5,006 |
| Equity capital to assets | 12.5105% | 1,626 |
| Core capital (leverage) ratio | 9.0203% | 4,507 |
| Tier 1 risk-based capital ratio | 12.8912% | 4,693 |
| Total risk-based capital ratio | 14.1767% | 4,636 |
| Memoranda: | ||
| Average total assets | $74,949,400 | 5,742 |
| Average earning assets | $67,881,200 | 5,739 |
| Average equity | $9,706,000 | 5,207 |
| Average total loans | $51,840,800 | 5,411 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3459% | 3,138 |
| Cost of funding earning assets | 1.7932% | 1,441 |
| Net interest margin | 3.5527% | 5,099 |
| Noninterest income to average assets | 0.0450% | 7,298 |
| Noninterest expense to average assets | 2.7633% | 4,627 |
| Loan and lease loss provision to assets | 1.2773% | 1,100 |
| Net operating income to assets | -0.5145% | 6,600 |
| Return on assets (ROA) | -0.5145% | 6,650 |
| Pretax return on assets | -0.7772% | 6,725 |
| Return on Equity (ROE) | -3.9378% | 6,567 |
| Retained earnings to average equity (ytd only) | -3.9378% | 6,457 |
| Net charge-offs to loans | 0.8115% | 2,422 |
| Credit loss provision to net charge-offs | 225.3968% | 1,528 |
| Earnings coverage of net charge-offs (x) | 0.8825% | 5,164 |
| Efficiency ratio | 84.6748% | 1,763 |
| Assets per employee ($millions) | 7.0159% | 767 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1002% | 337 |
| Loan loss allowance to noncurrent loans | 44.5605% | 5,305 |
| Noncurrent assets plus other real estate owned to assets | 6.4762% | 882 |
| Noncurrent loans to loans | 9.2015% | 509 |
| Net loans and leases to total assets | 64.6738% | 3,979 |
| Net loans and leases to deposits | 80.4565% | 3,364 |
| Net loans and leases to core deposits | 82.4460% | 4,178 |
| Total domestic deposits to total assets | 80.3835% | 5,585 |
| Equity capital to assets | 12.9161% | 1,623 |
| Core capital (leverage) ratio | 9.3151% | 4,188 |
| Tier 1 risk-based capital ratio | 13.2722% | 4,371 |
| Total risk-based capital ratio | 14.5598% | 4,313 |
| Memoranda: | ||
| Average total assets | $74,111,250 | 5,830 |
| Average earning assets | $67,140,250 | 5,824 |
| Average equity | $9,683,500 | 5,293 |
| Average total loans | $51,756,250 | 5,491 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4206% | 2,890 |
| Cost of funding earning assets | 1.8451% | 1,454 |
| Net interest margin | 3.5756% | 4,921 |
| Noninterest income to average assets | 0.0410% | 7,374 |
| Noninterest expense to average assets | 2.8732% | 4,171 |
| Loan and lease loss provision to assets | 0.6567% | 2,193 |
| Net operating income to assets | -0.1587% | 6,300 |
| Return on assets (ROA) | -0.1587% | 6,363 |
| Pretax return on assets | -0.2435% | 6,367 |
| Return on Equity (ROE) | -1.2098% | 6,345 |
| Retained earnings to average equity (ytd only) | -1.2098% | 6,017 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.4271% | 1,567 |
| Assets per employee ($millions) | 6.6763% | 889 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7160% | 466 |
| Loan loss allowance to noncurrent loans | 64.6521% | 4,105 |
| Noncurrent assets plus other real estate owned to assets | 4.1681% | 1,622 |
| Noncurrent loans to loans | 5.7477% | 1,128 |
| Net loans and leases to total assets | 69.8226% | 2,945 |
| Net loans and leases to deposits | 87.0474% | 2,327 |
| Net loans and leases to core deposits | 90.6098% | 3,174 |
| Total domestic deposits to total assets | 80.2121% | 5,664 |
| Equity capital to assets | 13.1633% | 1,492 |
| Core capital (leverage) ratio | 9.6433% | 3,616 |
| Tier 1 risk-based capital ratio | 13.6024% | 4,004 |
| Total risk-based capital ratio | 14.8866% | 3,944 |
| Memoranda: | ||
| Average total assets | $73,090,000 | 5,892 |
| Average earning assets | $66,339,000 | 5,893 |
| Average equity | $9,588,670 | 5,319 |
| Average total loans | $51,659,670 | 5,533 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3710% | 3,187 |
| Cost of funding earning assets | 1.8714% | 1,562 |
| Net interest margin | 3.4997% | 5,158 |
| Noninterest income to average assets | 0.0713% | 7,353 |
| Noninterest expense to average assets | 2.9075% | 4,033 |
| Loan and lease loss provision to assets | 0.6583% | 1,928 |
| Net operating income to assets | -0.2194% | 6,568 |
| Return on assets (ROA) | -0.2194% | 6,637 |
| Pretax return on assets | -0.3346% | 6,672 |
| Return on Equity (ROE) | -1.6755% | 6,600 |
| Retained earnings to average equity (ytd only) | -1.6755% | 6,153 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.9830% | 1,441 |
| Assets per employee ($millions) | 6.6708% | 920 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6289% | 491 |
| Loan loss allowance to noncurrent loans | 83.5881% | 3,273 |
| Noncurrent assets plus other real estate owned to assets | 3.5678% | 1,966 |
| Noncurrent loans to loans | 4.3415% | 1,742 |
| Net loans and leases to total assets | 67.2781% | 3,552 |
| Net loans and leases to deposits | 83.1363% | 3,087 |
| Net loans and leases to core deposits | 86.4937% | 3,824 |
| Total domestic deposits to total assets | 80.9251% | 5,486 |
| Equity capital to assets | 13.0392% | 1,508 |
| Core capital (leverage) ratio | 9.8977% | 3,289 |
| Tier 1 risk-based capital ratio | 13.8609% | 3,759 |
| Total risk-based capital ratio | 15.1426% | 3,694 |
| Memoranda: | ||
| Average total assets | $72,915,500 | 5,968 |
| Average earning assets | $65,834,500 | 5,971 |
| Average equity | $9,549,500 | 5,364 |
| Average total loans | $50,861,500 | 5,632 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5293% | 3,991 |
| Cost of funding earning assets | 2.4703% | 1,092 |
| Net interest margin | 3.0590% | 6,495 |
| Noninterest income to average assets | 0.0725% | 7,394 |
| Noninterest expense to average assets | 3.4109% | 2,639 |
| Loan and lease loss provision to assets | 2.4139% | 837 |
| Net operating income to assets | -2.0015% | 7,093 |
| Return on assets (ROA) | -2.0015% | 7,093 |
| Pretax return on assets | -3.0363% | 7,301 |
| Return on Equity (ROE) | -14.1702% | 6,887 |
| Retained earnings to average equity (ytd only) | -14.1702% | 6,827 |
| Net charge-offs to loans | 1.1488% | 2,127 |
| Credit loss provision to net charge-offs | 275.9931% | 1,242 |
| Earnings coverage of net charge-offs (x) | -0.7116% | 6,812 |
| Efficiency ratio | 122.3185% | 571 |
| Assets per employee ($millions) | 6.5865% | 953 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4438% | 551 |
| Loan loss allowance to noncurrent loans | 78.1924% | 3,517 |
| Noncurrent assets plus other real estate owned to assets | 3.6203% | 1,844 |
| Noncurrent loans to loans | 4.4043% | 1,624 |
| Net loans and leases to total assets | 67.2956% | 3,860 |
| Net loans and leases to deposits | 82.9257% | 3,466 |
| Net loans and leases to core deposits | 116.0218% | 2,317 |
| Total domestic deposits to total assets | 81.1517% | 5,293 |
| Equity capital to assets | 13.1549% | 1,444 |
| Core capital (leverage) ratio | 10.2533% | 2,824 |
| Tier 1 risk-based capital ratio | 14.1277% | 3,420 |
| Total risk-based capital ratio | 15.4070% | 3,361 |
| Memoranda: | ||
| Average total assets | $66,200,000 | 6,135 |
| Average earning assets | $58,777,600 | 6,179 |
| Average equity | $9,350,600 | 5,487 |
| Average total loans | $50,398,400 | 5,649 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5177% | 4,331 |
| Cost of funding earning assets | 2.6179% | 988 |
| Net interest margin | 2.8998% | 6,862 |
| Noninterest income to average assets | 0.0701% | 7,563 |
| Noninterest expense to average assets | 3.5232% | 2,218 |
| Loan and lease loss provision to assets | 2.6610% | 603 |
| Net operating income to assets | -2.3433% | 7,427 |
| Return on assets (ROA) | -2.3433% | 7,416 |
| Pretax return on assets | -3.5459% | 7,617 |
| Return on Equity (ROE) | -16.2767% | 7,249 |
| Retained earnings to average equity (ytd only) | -16.2767% | 7,200 |
| Net charge-offs to loans | 1.5166% | 1,343 |
| Credit loss provision to net charge-offs | 225.1309% | 1,937 |
| Earnings coverage of net charge-offs (x) | -0.7487% | 6,577 |
| Efficiency ratio | 133.5418% | 433 |
| Assets per employee ($millions) | 6.1556% | 1,138 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7879% | 801 |
| Loan loss allowance to noncurrent loans | 34.4604% | 6,136 |
| Noncurrent assets plus other real estate owned to assets | 7.8967% | 550 |
| Noncurrent loans to loans | 8.0902% | 595 |
| Net loans and leases to total assets | 74.0002% | 2,516 |
| Net loans and leases to deposits | 92.4194% | 2,166 |
| Net loans and leases to core deposits | 127.8729% | 1,592 |
| Total domestic deposits to total assets | 80.0700% | 5,407 |
| Equity capital to assets | 12.6920% | 1,835 |
| Core capital (leverage) ratio | 9.3254% | 4,146 |
| Tier 1 risk-based capital ratio | 12.0343% | 4,941 |
| Total risk-based capital ratio | 13.3038% | 4,866 |
| Memoranda: | ||
| Average total assets | $64,637,000 | 6,222 |
| Average earning assets | $57,244,750 | 6,289 |
| Average equity | $9,305,500 | 5,557 |
| Average total loans | $50,374,000 | 5,695 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5087% | 4,577 |
| Cost of funding earning assets | 2.8058% | 778 |
| Net interest margin | 2.7028% | 7,190 |
| Noninterest income to average assets | 0.0692% | 7,637 |
| Noninterest expense to average assets | 3.3736% | 2,708 |
| Loan and lease loss provision to assets | 0.3899% | 3,578 |
| Net operating income to assets | -0.8615% | 6,874 |
| Return on assets (ROA) | -0.8615% | 6,882 |
| Pretax return on assets | -1.3016% | 6,989 |
| Return on Equity (ROE) | -5.7426% | 6,683 |
| Retained earnings to average equity (ytd only) | -5.7426% | 6,410 |
| Net charge-offs to loans | 0.2801% | 3,794 |
| Credit loss provision to net charge-offs | 177.1429% | 2,586 |
| Earnings coverage of net charge-offs (x) | -4.1429% | 6,437 |
| Efficiency ratio | 137.0370% | 462 |
| Assets per employee ($millions) | 5.8924% | 1,275 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5430% | 2,978 |
| Loan loss allowance to noncurrent loans | 17.0565% | 7,279 |
| Noncurrent assets plus other real estate owned to assets | 9.8170% | 308 |
| Noncurrent loans to loans | 9.0463% | 434 |
| Net loans and leases to total assets | 76.1000% | 2,162 |
| Net loans and leases to deposits | 97.6636% | 1,574 |
| Net loans and leases to core deposits | 125.4259% | 1,919 |
| Total domestic deposits to total assets | 77.9206% | 6,094 |
| Equity capital to assets | 14.5057% | 1,163 |
| Core capital (leverage) ratio | 11.2083% | 2,256 |
| Tier 1 risk-based capital ratio | 13.9876% | 3,523 |
| Total risk-based capital ratio | 15.2413% | 3,461 |
| Memoranda: | ||
| Average total assets | $63,612,000 | 6,309 |
| Average earning assets | $56,311,330 | 6,372 |
| Average equity | $9,542,670 | 5,503 |
| Average total loans | $49,984,000 | 5,766 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9808% | 2,439 |
| Cost of funding earning assets | 2.9334% | 711 |
| Net interest margin | 3.0473% | 6,346 |
| Noninterest income to average assets | 0.0698% | 7,713 |
| Noninterest expense to average assets | 3.2249% | 2,880 |
| Loan and lease loss provision to assets | 0.1524% | 4,980 |
| Net operating income to assets | -0.4190% | 6,800 |
| Return on assets (ROA) | -0.4190% | 6,868 |
| Pretax return on assets | -0.5904% | 6,895 |
| Return on Equity (ROE) | -2.7463% | 6,749 |
| Retained earnings to average equity (ytd only) | -2.7463% | 6,231 |
| Net charge-offs to loans | 0.5047% | 2,200 |
| Credit loss provision to net charge-offs | 38.0952% | 4,840 |
| Earnings coverage of net charge-offs (x) | -1.0952% | 5,383 |
| Efficiency ratio | 115.7175% | 696 |
| Assets per employee ($millions) | 5.6753% | 1,416 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3528% | 3,784 |
| Loan loss allowance to noncurrent loans | 12.3188% | 7,478 |
| Noncurrent assets plus other real estate owned to assets | 10.6699% | 191 |
| Noncurrent loans to loans | 10.9814% | 226 |
| Net loans and leases to total assets | 79.4307% | 1,492 |
| Net loans and leases to deposits | 103.6583% | 1,035 |
| Net loans and leases to core deposits | 132.4722% | 1,506 |
| Total domestic deposits to total assets | 76.6275% | 6,377 |
| Equity capital to assets | 15.3457% | 1,003 |
| Core capital (leverage) ratio | 11.5124% | 2,137 |
| Tier 1 risk-based capital ratio | 14.8805% | 3,123 |
| Total risk-based capital ratio | 16.1338% | 3,049 |
| Memoranda: | ||
| Average total assets | $63,010,000 | 6,357 |
| Average earning assets | $56,180,000 | 6,408 |
| Average equity | $9,613,000 | 5,504 |
| Average total loans | $49,927,000 | 5,797 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7929% | 1,702 |
| Cost of funding earning assets | 3.2742% | 994 |
| Net interest margin | 3.5187% | 5,234 |
| Noninterest income to average assets | 0.0983% | 7,641 |
| Noninterest expense to average assets | 2.7780% | 4,916 |
| Loan and lease loss provision to assets | 0.4264% | 3,148 |
| Net operating income to assets | 0.0509% | 6,229 |
| Return on assets (ROA) | 0.0509% | 6,087 |
| Pretax return on assets | 0.0755% | 5,997 |
| Return on Equity (ROE) | 0.3000% | 6,135 |
| Retained earnings to average equity (ytd only) | 0.3000% | 5,061 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.6977% | 1,991 |
| Assets per employee ($millions) | 4.8917% | 2,062 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4520% | 2,911 |
| Loan loss allowance to noncurrent loans | 30.8880% | 6,665 |
| Noncurrent assets plus other real estate owned to assets | 5.1060% | 670 |
| Noncurrent loans to loans | 4.7008% | 988 |
| Net loans and leases to total assets | 76.8446% | 2,417 |
| Net loans and leases to deposits | 103.6482% | 1,378 |
| Net loans and leases to core deposits | 133.6588% | 1,615 |
| Total domestic deposits to total assets | 74.1398% | 6,636 |
| Equity capital to assets | 15.1686% | 1,117 |
| Core capital (leverage) ratio | 11.8500% | 2,057 |
| Tier 1 risk-based capital ratio | 15.5274% | 2,837 |
| Total risk-based capital ratio | 16.7809% | 2,768 |
| Memoranda: | ||
| Average total assets | $56,983,600 | 6,491 |
| Average earning assets | $51,524,600 | 6,525 |
| Average equity | $9,666,000 | 5,518 |
| Average total loans | $49,253,400 | 5,734 |