Home > Home Federal Bank > Performance and Condition Ratios
Home Federal Bank, Performance and Condition Ratios
2014-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7951% | 1,057 |
Cost of funding earning assets | 0.2831% | 5,239 |
Net interest margin | 4.5121% | 643 |
Noninterest income to average assets | -0.1150% | 6,665 |
Noninterest expense to average assets | 3.8169% | 954 |
Loan and lease loss provision to assets | -0.6124% | 6,678 |
Net operating income to assets | 0.4229% | 5,032 |
Return on assets (ROA) | 0.1899% | 5,872 |
Pretax return on assets | 0.3132% | 5,683 |
Return on Equity (ROE) | 1.3521% | 5,961 |
Retained earnings to average equity (ytd only) | -87.0213% | 6,710 |
Net charge-offs to loans | -0.4979% | 6,559 |
Credit loss provision to net charge-offs | 290.7662% | 815 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 97.2501% | 578 |
Assets per employee ($millions) | 3.4569% | 5,016 |
Cash dividends to net income (ytd only)* | 6,535.9477% | 1 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0119% | 1,495 |
Loan loss allowance to noncurrent loans | 100.5479% | 3,595 |
Noncurrent assets plus other real estate owned to assets | 1.4320% | 2,479 |
Noncurrent loans to loans | 2.0009% | 1,862 |
Net loans and leases to total assets | 41.8273% | 5,684 |
Net loans and leases to deposits | 48.6936% | 5,691 |
Net loans and leases to core deposits | 49.6213% | 5,786 |
Total domestic deposits to total assets | 85.8991% | 3,418 |
Equity capital to assets | 13.0644% | 1,283 |
Core capital (leverage) ratio | 11.8468% | 1,735 |
Tier 1 risk-based capital ratio | 26.4570% | 751 |
Total risk-based capital ratio | 27.7144% | 740 |
Memoranda: | ||
Average total assets | $966,749,000 | 698 |
Average earning assets | $856,372,500 | 718 |
Average equity | $135,787,500 | 538 |
Average total loans | $408,929,500 | 1,069 |
2013-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0340% | 859 |
Cost of funding earning assets | 0.3267% | 5,358 |
Net interest margin | 4.7073% | 506 |
Noninterest income to average assets | -0.0487% | 6,692 |
Noninterest expense to average assets | 3.8965% | 999 |
Loan and lease loss provision to assets | -0.2448% | 6,637 |
Net operating income to assets | 0.3004% | 5,526 |
Return on assets (ROA) | 0.3412% | 5,481 |
Pretax return on assets | 0.5342% | 5,093 |
Return on Equity (ROE) | 2.2801% | 5,743 |
Retained earnings to average equity (ytd only) | 2.2801% | 4,625 |
Net charge-offs to loans | 0.2417% | 2,526 |
Credit loss provision to net charge-offs | -249.5984% | 6,020 |
Earnings coverage of net charge-offs (x) | 2.3002% | 4,245 |
Efficiency ratio | 93.4248% | 779 |
Assets per employee ($millions) | 3.4131% | 5,055 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1720% | 1,216 |
Loan loss allowance to noncurrent loans | 91.5587% | 3,842 |
Noncurrent assets plus other real estate owned to assets | 1.4706% | 2,531 |
Noncurrent loans to loans | 2.3722% | 1,622 |
Net loans and leases to total assets | 41.0226% | 5,892 |
Net loans and leases to deposits | 48.9993% | 5,832 |
Net loans and leases to core deposits | 49.9226% | 5,939 |
Total domestic deposits to total assets | 83.7209% | 4,275 |
Equity capital to assets | 14.9749% | 674 |
Core capital (leverage) ratio | 14.5787% | 670 |
Tier 1 risk-based capital ratio | 32.3727% | 419 |
Total risk-based capital ratio | 33.6321% | 411 |
Memoranda: | ||
Average total assets | $1,015,358,400 | 649 |
Average earning assets | $899,625,400 | 661 |
Average equity | $151,922,000 | 485 |
Average total loans | $412,003,400 | 1,030 |
2013-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8523% | 1,236 |
Cost of funding earning assets | 0.3350% | 5,433 |
Net interest margin | 4.5173% | 714 |
Noninterest income to average assets | 0.0157% | 6,701 |
Noninterest expense to average assets | 3.8586% | 1,016 |
Loan and lease loss provision to assets | -0.2028% | 6,722 |
Net operating income to assets | 0.2368% | 5,816 |
Return on assets (ROA) | 0.2918% | 5,754 |
Pretax return on assets | 0.4456% | 5,509 |
Return on Equity (ROE) | 1.9504% | 5,954 |
Retained earnings to average equity (ytd only) | 1.9504% | 5,156 |
Net charge-offs to loans | 0.1272% | 3,256 |
Credit loss provision to net charge-offs | -396.1735% | 6,012 |
Earnings coverage of net charge-offs (x) | 3.0919% | 3,805 |
Efficiency ratio | 94.9085% | 682 |
Assets per employee ($millions) | 3.3409% | 5,203 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.5661% | 867 |
Loan loss allowance to noncurrent loans | 81.5771% | 4,014 |
Noncurrent assets plus other real estate owned to assets | 1.9229% | 2,107 |
Noncurrent loans to loans | 3.1456% | 1,250 |
Net loans and leases to total assets | 39.8268% | 6,045 |
Net loans and leases to deposits | 47.3467% | 6,006 |
Net loans and leases to core deposits | 48.2962% | 6,106 |
Total domestic deposits to total assets | 84.1172% | 4,140 |
Equity capital to assets | 14.7693% | 760 |
Core capital (leverage) ratio | 14.4041% | 758 |
Tier 1 risk-based capital ratio | 32.1843% | 433 |
Total risk-based capital ratio | 33.4483% | 426 |
Memoranda: | ||
Average total assets | $1,020,893,500 | 648 |
Average earning assets | $904,260,000 | 660 |
Average equity | $152,719,250 | 490 |
Average total loans | $410,881,750 | 1,038 |
2013-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9241% | 1,041 |
Cost of funding earning assets | 0.3449% | 5,453 |
Net interest margin | 4.5792% | 618 |
Noninterest income to average assets | -0.0812% | 6,843 |
Noninterest expense to average assets | 3.8385% | 1,050 |
Loan and lease loss provision to assets | -0.1138% | 6,725 |
Net operating income to assets | 0.1609% | 6,002 |
Return on assets (ROA) | 0.2225% | 5,962 |
Pretax return on assets | 0.3437% | 5,765 |
Return on Equity (ROE) | 1.4810% | 6,098 |
Retained earnings to average equity (ytd only) | 1.4810% | 5,278 |
Net charge-offs to loans | 0.4123% | 1,572 |
Credit loss provision to net charge-offs | -68.9125% | 5,568 |
Earnings coverage of net charge-offs (x) | 0.8191% | 4,256 |
Efficiency ratio | 95.4083% | 689 |
Assets per employee ($millions) | 3.2886% | 5,294 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.7752% | 731 |
Loan loss allowance to noncurrent loans | 81.9114% | 3,975 |
Noncurrent assets plus other real estate owned to assets | 2.2283% | 1,937 |
Noncurrent loans to loans | 3.3880% | 1,263 |
Net loans and leases to total assets | 38.8947% | 6,120 |
Net loans and leases to deposits | 46.2953% | 6,086 |
Net loans and leases to core deposits | 47.1920% | 6,168 |
Total domestic deposits to total assets | 84.0145% | 4,310 |
Equity capital to assets | 14.8860% | 734 |
Core capital (leverage) ratio | 13.7397% | 902 |
Tier 1 risk-based capital ratio | 32.6408% | 418 |
Total risk-based capital ratio | 33.9076% | 408 |
Memoranda: | ||
Average total assets | $1,024,869,670 | 646 |
Average earning assets | $907,533,000 | 657 |
Average equity | $153,953,330 | 487 |
Average total loans | $410,368,670 | 1,033 |
2013-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7251% | 1,466 |
Cost of funding earning assets | 0.3529% | 5,505 |
Net interest margin | 4.3721% | 842 |
Noninterest income to average assets | 0.0571% | 6,709 |
Noninterest expense to average assets | 3.8290% | 1,080 |
Loan and lease loss provision to assets | -0.0875% | 6,829 |
Net operating income to assets | 0.1257% | 6,101 |
Return on assets (ROA) | 0.1893% | 6,035 |
Pretax return on assets | 0.2919% | 5,873 |
Return on Equity (ROE) | 1.2548% | 6,159 |
Retained earnings to average equity (ytd only) | 1.2548% | 5,348 |
Net charge-offs to loans | -0.2618% | 6,742 |
Credit loss provision to net charge-offs | 83.4559% | 2,113 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 96.0811% | 728 |
Assets per employee ($millions) | 3.5057% | 4,968 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.0756% | 609 |
Loan loss allowance to noncurrent loans | 69.8694% | 4,338 |
Noncurrent assets plus other real estate owned to assets | 2.6824% | 1,693 |
Noncurrent loans to loans | 4.4019% | 965 |
Net loans and leases to total assets | 38.0547% | 6,144 |
Net loans and leases to deposits | 45.5652% | 6,081 |
Net loans and leases to core deposits | 46.4176% | 6,190 |
Total domestic deposits to total assets | 83.5172% | 4,661 |
Equity capital to assets | 15.0134% | 753 |
Core capital (leverage) ratio | 13.5180% | 940 |
Tier 1 risk-based capital ratio | 33.0171% | 416 |
Total risk-based capital ratio | 34.2887% | 402 |
Memoranda: | ||
Average total assets | $1,037,442,500 | 644 |
Average earning assets | $920,283,500 | 654 |
Average equity | $156,520,500 | 484 |
Average total loans | $415,583,500 | 1,029 |
2012-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2712% | 982 |
Cost of funding earning assets | 0.4151% | 5,820 |
Net interest margin | 4.8561% | 491 |
Noninterest income to average assets | -0.3377% | 7,005 |
Noninterest expense to average assets | 3.9822% | 995 |
Loan and lease loss provision to assets | -0.1658% | 6,963 |
Net operating income to assets | 0.0606% | 6,073 |
Return on assets (ROA) | 0.1791% | 5,995 |
Pretax return on assets | 0.2973% | 5,820 |
Return on Equity (ROE) | 1.2325% | 6,078 |
Retained earnings to average equity (ytd only) | 1.2325% | 5,257 |
Net charge-offs to loans | -0.0276% | 6,604 |
Credit loss provision to net charge-offs | 1,446.7213% | 173 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 100.0167% | 560 |
Assets per employee ($millions) | 3.2506% | 5,510 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.9661% | 688 |
Loan loss allowance to noncurrent loans | 63.0244% | 4,538 |
Noncurrent assets plus other real estate owned to assets | 2.9184% | 1,630 |
Noncurrent loans to loans | 4.7063% | 883 |
Net loans and leases to total assets | 39.6484% | 6,193 |
Net loans and leases to deposits | 47.6098% | 6,131 |
Net loans and leases to core deposits | 48.5985% | 6,231 |
Total domestic deposits to total assets | 83.2780% | 4,610 |
Equity capital to assets | 15.1614% | 703 |
Core capital (leverage) ratio | 13.7739% | 866 |
Tier 1 risk-based capital ratio | 33.2574% | 389 |
Total risk-based capital ratio | 34.5279% | 381 |
Memoranda: | ||
Average total assets | $1,064,419,200 | 618 |
Average earning assets | $935,140,400 | 639 |
Average equity | $154,643,000 | 477 |
Average total loans | $442,415,800 | 941 |
2012-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2961% | 1,022 |
Cost of funding earning assets | 0.4307% | 5,930 |
Net interest margin | 4.8654% | 506 |
Noninterest income to average assets | -0.2746% | 7,090 |
Noninterest expense to average assets | 3.9611% | 988 |
Loan and lease loss provision to assets | -0.1383% | 7,063 |
Net operating income to assets | 0.1066% | 6,115 |
Return on assets (ROA) | 0.2035% | 6,074 |
Pretax return on assets | 0.3220% | 5,915 |
Return on Equity (ROE) | 1.4153% | 6,172 |
Retained earnings to average equity (ytd only) | 1.4153% | 5,616 |
Net charge-offs to loans | 0.1404% | 3,993 |
Credit loss provision to net charge-offs | -236.0934% | 6,352 |
Earnings coverage of net charge-offs (x) | 0.5520% | 5,045 |
Efficiency ratio | 97.8419% | 608 |
Assets per employee ($millions) | 3.1754% | 5,684 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.9084% | 795 |
Loan loss allowance to noncurrent loans | 45.5295% | 5,370 |
Noncurrent assets plus other real estate owned to assets | 3.9860% | 1,211 |
Noncurrent loans to loans | 6.3880% | 604 |
Net loans and leases to total assets | 40.2247% | 6,261 |
Net loans and leases to deposits | 48.2483% | 6,247 |
Net loans and leases to core deposits | 49.1765% | 6,333 |
Total domestic deposits to total assets | 83.3702% | 4,496 |
Equity capital to assets | 15.0637% | 804 |
Core capital (leverage) ratio | 13.4935% | 1,010 |
Tier 1 risk-based capital ratio | 32.3923% | 427 |
Total risk-based capital ratio | 33.6627% | 417 |
Memoranda: | ||
Average total assets | $1,072,102,750 | 613 |
Average earning assets | $940,468,750 | 636 |
Average equity | $154,123,500 | 479 |
Average total loans | $447,427,750 | 928 |
2012-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2565% | 1,131 |
Cost of funding earning assets | 0.4500% | 5,974 |
Net interest margin | 4.8065% | 554 |
Noninterest income to average assets | -0.3071% | 7,155 |
Noninterest expense to average assets | 3.9756% | 970 |
Loan and lease loss provision to assets | -0.2251% | 7,165 |
Net operating income to assets | 0.1008% | 6,154 |
Return on assets (ROA) | 0.2397% | 5,984 |
Pretax return on assets | 0.3611% | 5,799 |
Return on Equity (ROE) | 1.6937% | 6,133 |
Retained earnings to average equity (ytd only) | 1.6937% | 5,349 |
Net charge-offs to loans | 0.1477% | 3,729 |
Credit loss provision to net charge-offs | -364.3713% | 6,233 |
Earnings coverage of net charge-offs (x) | -1.2066% | 5,328 |
Efficiency ratio | 100.5073% | 541 |
Assets per employee ($millions) | 3.2121% | 5,623 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.8455% | 903 |
Loan loss allowance to noncurrent loans | 40.9036% | 5,606 |
Noncurrent assets plus other real estate owned to assets | 4.4439% | 1,122 |
Noncurrent loans to loans | 6.9566% | 562 |
Net loans and leases to total assets | 40.7734% | 6,290 |
Net loans and leases to deposits | 48.7069% | 6,268 |
Net loans and leases to core deposits | 49.6148% | 6,361 |
Total domestic deposits to total assets | 83.7117% | 4,435 |
Equity capital to assets | 14.6500% | 866 |
Core capital (leverage) ratio | 13.4457% | 993 |
Tier 1 risk-based capital ratio | 31.9614% | 441 |
Total risk-based capital ratio | 33.2310% | 435 |
Memoranda: | ||
Average total assets | $1,081,238,330 | 609 |
Average earning assets | $946,641,330 | 633 |
Average equity | $153,041,330 | 477 |
Average total loans | $452,299,000 | 915 |
2012-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.6487% | 574 |
Cost of funding earning assets | 0.4690% | 6,021 |
Net interest margin | 5.1798% | 304 |
Noninterest income to average assets | -0.6636% | 7,264 |
Noninterest expense to average assets | 3.9361% | 1,010 |
Loan and lease loss provision to assets | -0.2864% | 7,229 |
Net operating income to assets | 0.1389% | 6,147 |
Return on assets (ROA) | 0.2641% | 5,934 |
Pretax return on assets | 0.4159% | 5,675 |
Return on Equity (ROE) | 1.8981% | 6,103 |
Retained earnings to average equity (ytd only) | 1.8981% | 5,299 |
Net charge-offs to loans | -0.3074% | 7,073 |
Credit loss provision to net charge-offs | 223.0769% | 1,250 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 100.2741% | 544 |
Assets per employee ($millions) | 3.2783% | 5,609 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.0570% | 789 |
Loan loss allowance to noncurrent loans | 39.8255% | 5,630 |
Noncurrent assets plus other real estate owned to assets | 4.6261% | 1,150 |
Noncurrent loans to loans | 7.6759% | 528 |
Net loans and leases to total assets | 40.0311% | 6,349 |
Net loans and leases to deposits | 47.3850% | 6,330 |
Net loans and leases to core deposits | 48.2675% | 6,441 |
Total domestic deposits to total assets | 84.4805% | 4,282 |
Equity capital to assets | 14.0365% | 1,015 |
Core capital (leverage) ratio | 13.2466% | 1,041 |
Tier 1 risk-based capital ratio | 34.2169% | 360 |
Total risk-based capital ratio | 35.4920% | 351 |
Memoranda: | ||
Average total assets | $1,093,465,500 | 607 |
Average earning assets | $957,029,500 | 626 |
Average equity | $152,152,500 | 477 |
Average total loans | $456,695,000 | 904 |
2011-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1902% | 2,106 |
Cost of funding earning assets | 0.6893% | 5,612 |
Net interest margin | 4.5009% | 1,130 |
Noninterest income to average assets | 0.5055% | 3,811 |
Noninterest expense to average assets | 4.1331% | 875 |
Loan and lease loss provision to assets | 0.6403% | 1,593 |
Net operating income to assets | -0.2222% | 6,279 |
Return on assets (ROA) | -0.1614% | 6,289 |
Pretax return on assets | -0.2832% | 6,341 |
Return on Equity (ROE) | -1.3361% | 6,280 |
Retained earnings to average equity (ytd only) | -1.3361% | 6,064 |
Net charge-offs to loans | 1.7729% | 837 |
Credit loss provision to net charge-offs | 86.4847% | 4,181 |
Earnings coverage of net charge-offs (x) | 0.3540% | 5,556 |
Efficiency ratio | 92.7697% | 1,002 |
Assets per employee ($millions) | 3.1750% | 5,760 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.0544% | 775 |
Loan loss allowance to noncurrent loans | 35.3251% | 5,874 |
Noncurrent assets plus other real estate owned to assets | 5.4523% | 944 |
Noncurrent loans to loans | 8.6465% | 426 |
Net loans and leases to total assets | 40.9439% | 6,468 |
Net loans and leases to deposits | 48.4235% | 6,470 |
Net loans and leases to core deposits | 49.5348% | 6,553 |
Total domestic deposits to total assets | 84.5538% | 4,064 |
Equity capital to assets | 13.7940% | 1,141 |
Core capital (leverage) ratio | 12.4442% | 1,370 |
Tier 1 risk-based capital ratio | 32.3959% | 413 |
Total risk-based capital ratio | 33.6723% | 402 |
Memoranda: | ||
Average total assets | $1,237,305,400 | 530 |
Average earning assets | $1,069,275,800 | 546 |
Average equity | $149,467,000 | 470 |
Average total loans | $516,655,600 | 803 |
2011-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8707% | 3,677 |
Cost of funding earning assets | 0.7455% | 5,491 |
Net interest margin | 4.1252% | 2,375 |
Noninterest income to average assets | 0.9653% | 1,436 |
Noninterest expense to average assets | 4.3067% | 709 |
Loan and lease loss provision to assets | 0.8801% | 1,031 |
Net operating income to assets | -0.3958% | 6,578 |
Return on assets (ROA) | -0.3566% | 6,604 |
Pretax return on assets | -0.6008% | 6,680 |
Return on Equity (ROE) | -3.0452% | 6,562 |
Retained earnings to average equity (ytd only) | -3.0452% | 6,424 |
Net charge-offs to loans | 2.3755% | 481 |
Credit loss provision to net charge-offs | 88.9407% | 3,804 |
Earnings coverage of net charge-offs (x) | 0.2202% | 5,433 |
Efficiency ratio | 93.9559% | 920 |
Assets per employee ($millions) | 3.1744% | 5,743 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.9640% | 891 |
Loan loss allowance to noncurrent loans | 39.4047% | 5,654 |
Noncurrent assets plus other real estate owned to assets | 5.1558% | 1,116 |
Noncurrent loans to loans | 7.5219% | 621 |
Net loans and leases to total assets | 40.5883% | 6,590 |
Net loans and leases to deposits | 47.5089% | 6,651 |
Net loans and leases to core deposits | 48.6072% | 6,734 |
Total domestic deposits to total assets | 85.4330% | 3,540 |
Equity capital to assets | 12.9549% | 1,637 |
Core capital (leverage) ratio | 11.5362% | 2,000 |
Tier 1 risk-based capital ratio | 30.7789% | 503 |
Total risk-based capital ratio | 32.0521% | 490 |
Memoranda: | ||
Average total assets | $1,271,996,750 | 519 |
Average earning assets | $1,097,524,250 | 540 |
Average equity | $148,950,500 | 477 |
Average total loans | $529,830,500 | 799 |
2011-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9578% | 6,725 |
Cost of funding earning assets | 0.7537% | 5,645 |
Net interest margin | 3.2041% | 6,151 |
Noninterest income to average assets | 1.6856% | 473 |
Noninterest expense to average assets | 3.9072% | 1,179 |
Loan and lease loss provision to assets | 0.8873% | 1,007 |
Net operating income to assets | -0.2026% | 6,472 |
Return on assets (ROA) | -0.2020% | 6,509 |
Pretax return on assets | -0.3498% | 6,561 |
Return on Equity (ROE) | -1.7810% | 6,495 |
Retained earnings to average equity (ytd only) | -1.7810% | 6,214 |
Net charge-offs to loans | 2.8751% | 374 |
Credit loss provision to net charge-offs | 74.1861% | 3,940 |
Earnings coverage of net charge-offs (x) | 0.4486% | 4,964 |
Efficiency ratio | 86.6813% | 1,533 |
Assets per employee ($millions) | 3.3758% | 5,263 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.6491% | 1,244 |
Loan loss allowance to noncurrent loans | 28.2575% | 6,364 |
Noncurrent assets plus other real estate owned to assets | 5.6856% | 1,021 |
Noncurrent loans to loans | 9.3749% | 432 |
Net loans and leases to total assets | 39.1742% | 6,788 |
Net loans and leases to deposits | 47.3030% | 6,765 |
Net loans and leases to core deposits | 48.6997% | 6,823 |
Total domestic deposits to total assets | 82.8155% | 4,844 |
Equity capital to assets | 11.9711% | 2,112 |
Core capital (leverage) ratio | 11.2016% | 2,113 |
Tier 1 risk-based capital ratio | 28.2149% | 647 |
Total risk-based capital ratio | 29.4836% | 630 |
Memoranda: | ||
Average total assets | $1,309,771,000 | 509 |
Average earning assets | $1,127,507,000 | 532 |
Average equity | $148,565,670 | 477 |
Average total loans | $544,890,330 | 790 |
2011-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7103% | 7,059 |
Cost of funding earning assets | 0.7778% | 5,687 |
Net interest margin | 2.9324% | 6,698 |
Noninterest income to average assets | 1.7514% | 448 |
Noninterest expense to average assets | 4.0178% | 1,012 |
Loan and lease loss provision to assets | 0.8977% | 894 |
Net operating income to assets | -0.3678% | 6,724 |
Return on assets (ROA) | -0.3678% | 6,729 |
Pretax return on assets | -0.6383% | 6,838 |
Return on Equity (ROE) | -3.3288% | 6,694 |
Retained earnings to average equity (ytd only) | -3.3288% | 6,338 |
Net charge-offs to loans | 2.8463% | 383 |
Credit loss provision to net charge-offs | 74.6640% | 3,267 |
Earnings coverage of net charge-offs (x) | 0.2158% | 4,450 |
Efficiency ratio | 91.0242% | 1,239 |
Assets per employee ($millions) | 3.4357% | 5,148 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1081% | 2,173 |
Loan loss allowance to noncurrent loans | 20.4209% | 6,756 |
Noncurrent assets plus other real estate owned to assets | 6.2732% | 902 |
Noncurrent loans to loans | 10.3230% | 380 |
Net loans and leases to total assets | 40.2345% | 6,760 |
Net loans and leases to deposits | 48.0119% | 6,756 |
Net loans and leases to core deposits | 49.5556% | 6,798 |
Total domestic deposits to total assets | 83.8010% | 4,571 |
Equity capital to assets | 11.1923% | 2,509 |
Core capital (leverage) ratio | 10.8509% | 2,307 |
Tier 1 risk-based capital ratio | 27.4498% | 671 |
Total risk-based capital ratio | 28.7130% | 654 |
Memoranda: | ||
Average total assets | $1,336,751,000 | 508 |
Average earning assets | $1,151,399,500 | 523 |
Average equity | $147,681,500 | 478 |
Average total loans | $564,665,000 | 772 |
2010-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3299% | 6,732 |
Cost of funding earning assets | 1.1829% | 4,659 |
Net interest margin | 3.1471% | 6,396 |
Noninterest income to average assets | 1.7552% | 488 |
Noninterest expense to average assets | 4.2215% | 883 |
Loan and lease loss provision to assets | 1.2125% | 1,285 |
Net operating income to assets | -0.5627% | 6,427 |
Return on assets (ROA) | -0.5163% | 6,431 |
Pretax return on assets | -0.8711% | 6,557 |
Return on Equity (ROE) | -3.5504% | 6,326 |
Retained earnings to average equity (ytd only) | -3.5504% | 6,160 |
Net charge-offs to loans | 3.1303% | 511 |
Credit loss provision to net charge-offs | 73.7921% | 5,766 |
Earnings coverage of net charge-offs (x) | 0.1737% | 5,936 |
Efficiency ratio | 90.5585% | 1,282 |
Assets per employee ($millions) | 3.2953% | 5,441 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1101% | 2,050 |
Loan loss allowance to noncurrent loans | 18.5202% | 6,862 |
Noncurrent assets plus other real estate owned to assets | 6.7907% | 825 |
Noncurrent loans to loans | 11.3935% | 328 |
Net loans and leases to total assets | 42.4325% | 6,828 |
Net loans and leases to deposits | 50.6493% | 6,821 |
Net loans and leases to core deposits | 52.3742% | 6,888 |
Total domestic deposits to total assets | 83.7770% | 4,465 |
Equity capital to assets | 10.9077% | 2,767 |
Core capital (leverage) ratio | 10.5714% | 2,490 |
Tier 1 risk-based capital ratio | 25.3424% | 816 |
Total risk-based capital ratio | 26.6056% | 791 |
Memoranda: | ||
Average total assets | $1,039,205,400 | 650 |
Average earning assets | $908,651,200 | 663 |
Average equity | $151,107,800 | 454 |
Average total loans | $545,481,000 | 830 |
2010-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4679% | 6,673 |
Cost of funding earning assets | 1.2413% | 4,614 |
Net interest margin | 3.2266% | 6,260 |
Noninterest income to average assets | 1.6851% | 496 |
Noninterest expense to average assets | 4.1978% | 833 |
Loan and lease loss provision to assets | 1.3339% | 1,034 |
Net operating income to assets | -0.6172% | 6,678 |
Return on assets (ROA) | -0.5502% | 6,685 |
Pretax return on assets | -0.9355% | 6,826 |
Return on Equity (ROE) | -3.4767% | 6,535 |
Retained earnings to average equity (ytd only) | -3.4767% | 6,403 |
Net charge-offs to loans | 3.3868% | 415 |
Credit loss provision to net charge-offs | 70.6766% | 5,399 |
Earnings coverage of net charge-offs (x) | 0.1682% | 5,854 |
Efficiency ratio | 89.8360% | 1,307 |
Assets per employee ($millions) | 2.9783% | 6,195 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0220% | 2,168 |
Loan loss allowance to noncurrent loans | 21.0335% | 6,859 |
Noncurrent assets plus other real estate owned to assets | 6.4259% | 889 |
Noncurrent loans to loans | 9.6132% | 464 |
Net loans and leases to total assets | 43.7621% | 6,857 |
Net loans and leases to deposits | 52.3394% | 6,877 |
Net loans and leases to core deposits | 54.0265% | 6,957 |
Total domestic deposits to total assets | 83.6121% | 4,314 |
Equity capital to assets | 10.5756% | 3,437 |
Core capital (leverage) ratio | 10.1248% | 3,125 |
Tier 1 risk-based capital ratio | 27.6094% | 652 |
Total risk-based capital ratio | 28.8760% | 640 |
Memoranda: | ||
Average total assets | $959,596,000 | 696 |
Average earning assets | $841,691,750 | 718 |
Average equity | $151,862,750 | 447 |
Average total loans | $534,726,250 | 848 |
2010-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7983% | 5,806 |
Cost of funding earning assets | 1.4220% | 3,736 |
Net interest margin | 3.3763% | 5,733 |
Noninterest income to average assets | 0.9951% | 1,390 |
Noninterest expense to average assets | 4.1914% | 822 |
Loan and lease loss provision to assets | 1.4136% | 943 |
Net operating income to assets | -1.0132% | 6,953 |
Return on assets (ROA) | -0.9216% | 6,929 |
Pretax return on assets | -1.5476% | 7,090 |
Return on Equity (ROE) | -4.8656% | 6,690 |
Retained earnings to average equity (ytd only) | -4.8656% | 6,542 |
Net charge-offs to loans | 4.1618% | 300 |
Credit loss provision to net charge-offs | 54.5306% | 5,328 |
Earnings coverage of net charge-offs (x) | -0.0904% | 5,793 |
Efficiency ratio | 104.2050% | 676 |
Assets per employee ($millions) | 3.2281% | 5,608 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.5895% | 1,203 |
Loan loss allowance to noncurrent loans | 29.0978% | 6,425 |
Noncurrent assets plus other real estate owned to assets | 6.8539% | 782 |
Noncurrent loans to loans | 8.8994% | 535 |
Net loans and leases to total assets | 56.0170% | 5,700 |
Net loans and leases to deposits | 79.2938% | 3,737 |
Net loans and leases to core deposits | 79.3890% | 4,761 |
Total domestic deposits to total assets | 70.6448% | 7,287 |
Equity capital to assets | 18.5273% | 376 |
Core capital (leverage) ratio | 18.2046% | 344 |
Tier 1 risk-based capital ratio | 34.0491% | 376 |
Total risk-based capital ratio | 35.3199% | 373 |
Memoranda: | ||
Average total assets | $802,930,000 | 850 |
Average earning assets | $704,375,670 | 875 |
Average equity | $152,087,670 | 447 |
Average total loans | $500,124,670 | 910 |
2010-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9465% | 5,245 |
Cost of funding earning assets | 1.4127% | 4,100 |
Net interest margin | 3.5338% | 5,019 |
Noninterest income to average assets | 0.5638% | 3,529 |
Noninterest expense to average assets | 4.0847% | 924 |
Loan and lease loss provision to assets | 1.1934% | 1,022 |
Net operating income to assets | -1.0030% | 7,106 |
Return on assets (ROA) | -0.8497% | 7,062 |
Pretax return on assets | -1.4879% | 7,255 |
Return on Equity (ROE) | -4.4362% | 6,851 |
Retained earnings to average equity (ytd only) | -4.4362% | 6,544 |
Net charge-offs to loans | 2.4294% | 683 |
Credit loss provision to net charge-offs | 75.8786% | 3,978 |
Earnings coverage of net charge-offs (x) | -0.2847% | 5,199 |
Efficiency ratio | 110.4311% | 587 |
Assets per employee ($millions) | 3.1947% | 5,782 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
Condition Ratios (%) | ||
Loss allowance to loans | 5.0191% | 171 |
Loan loss allowance to noncurrent loans | 53.2379% | 4,777 |
Noncurrent assets plus other real estate owned to assets | 7.8788% | 630 |
Noncurrent loans to loans | 9.4277% | 478 |
Net loans and leases to total assets | 60.0334% | 5,116 |
Net loans and leases to deposits | 86.0753% | 2,573 |
Net loans and leases to core deposits | 88.9668% | 3,501 |
Total domestic deposits to total assets | 69.7452% | 7,427 |
Equity capital to assets | 19.0368% | 341 |
Core capital (leverage) ratio | 18.7788% | 322 |
Tier 1 risk-based capital ratio | 32.4928% | 421 |
Total risk-based capital ratio | 33.7973% | 414 |
Memoranda: | ||
Average total assets | $796,036,500 | 872 |
Average earning assets | $692,287,500 | 909 |
Average equity | $152,473,500 | 446 |
Average total loans | $515,356,000 | 906 |
2009-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.4557% | 4,407 |
Cost of funding earning assets | 1.7344% | 4,340 |
Net interest margin | 3.7213% | 4,036 |
Noninterest income to average assets | 1.1050% | 1,258 |
Noninterest expense to average assets | 4.2437% | 1,046 |
Loan and lease loss provision to assets | 1.8587% | 1,208 |
Net operating income to assets | -1.0311% | 6,591 |
Return on assets (ROA) | 1.1535% | 1,402 |
Pretax return on assets | 0.4978% | 4,193 |
Return on Equity (ROE) | 5.5749% | 3,390 |
Retained earnings to average equity (ytd only) | 5.5749% | 1,542 |
Net charge-offs to loans | 1.9824% | 1,242 |
Credit loss provision to net charge-offs | 138.1944% | 3,551 |
Earnings coverage of net charge-offs (x) | 0.1140% | 6,043 |
Efficiency ratio | 94.9888% | 1,353 |
Assets per employee ($millions) | 3.0633% | 6,060 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
Condition Ratios (%) | ||
Loss allowance to loans | 4.9614% | 177 |
Loan loss allowance to noncurrent loans | 66.3142% | 4,077 |
Noncurrent assets plus other real estate owned to assets | 6.7887% | 765 |
Noncurrent loans to loans | 7.4816% | 711 |
Net loans and leases to total assets | 62.9963% | 4,812 |
Net loans and leases to deposits | 90.8725% | 2,070 |
Net loans and leases to core deposits | 107.6910% | 3,135 |
Total domestic deposits to total assets | 69.3238% | 7,472 |
Equity capital to assets | 19.2721% | 347 |
Core capital (leverage) ratio | 19.0490% | 334 |
Tier 1 risk-based capital ratio | 33.3199% | 399 |
Total risk-based capital ratio | 34.6278% | 387 |
Memoranda: | ||
Average total assets | $710,695,200 | 960 |
Average earning assets | $628,736,400 | 995 |
Average equity | $147,052,400 | 460 |
Average total loans | $482,192,600 | 1,004 |
2009-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.5633% | 4,075 |
Cost of funding earning assets | 1.8265% | 4,249 |
Net interest margin | 3.7368% | 3,925 |
Noninterest income to average assets | 1.1199% | 1,264 |
Noninterest expense to average assets | 4.2398% | 990 |
Loan and lease loss provision to assets | 2.4173% | 697 |
Net operating income to assets | -1.3392% | 7,035 |
Return on assets (ROA) | 1.6608% | 642 |
Pretax return on assets | 0.8127% | 3,499 |
Return on Equity (ROE) | 7.8712% | 2,701 |
Retained earnings to average equity (ytd only) | 7.8712% | 1,170 |
Net charge-offs to loans | 2.1638% | 894 |
Credit loss provision to net charge-offs | 163.5722% | 2,879 |
Earnings coverage of net charge-offs (x) | 0.1383% | 5,893 |
Efficiency ratio | 93.9130% | 1,404 |
Assets per employee ($millions) | 2.7751% | 6,693 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
Condition Ratios (%) | ||
Loss allowance to loans | 5.0708% | 130 |
Loan loss allowance to noncurrent loans | 74.3613% | 3,640 |
Noncurrent assets plus other real estate owned to assets | 7.1339% | 664 |
Noncurrent loans to loans | 6.8191% | 809 |
Net loans and leases to total assets | 66.2560% | 4,369 |
Net loans and leases to deposits | 98.8425% | 1,229 |
Net loans and leases to core deposits | 117.7375% | 2,444 |
Total domestic deposits to total assets | 67.0319% | 7,638 |
Equity capital to assets | 19.9000% | 349 |
Core capital (leverage) ratio | 19.6120% | 337 |
Tier 1 risk-based capital ratio | 33.5749% | 416 |
Total risk-based capital ratio | 34.8865% | 406 |
Memoranda: | ||
Average total assets | $690,020,500 | 1,005 |
Average earning assets | $613,835,750 | 1,032 |
Average equity | $145,589,500 | 472 |
Average total loans | $471,265,500 | 1,038 |
2009-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.5922% | 4,112 |
Cost of funding earning assets | 1.8971% | 4,280 |
Net interest margin | 3.6951% | 3,964 |
Noninterest income to average assets | 1.2488% | 982 |
Noninterest expense to average assets | 3.9498% | 1,401 |
Loan and lease loss provision to assets | 1.3608% | 1,272 |
Net operating income to assets | -0.4277% | 6,471 |
Return on assets (ROA) | -0.3394% | 6,389 |
Pretax return on assets | -0.5935% | 6,515 |
Return on Equity (ROE) | -1.5740% | 6,160 |
Retained earnings to average equity (ytd only) | -1.5740% | 5,639 |
Net charge-offs to loans | 1.9253% | 974 |
Credit loss provision to net charge-offs | 104.3740% | 4,402 |
Earnings coverage of net charge-offs (x) | 0.4828% | 5,220 |
Efficiency ratio | 84.8060% | 2,381 |
Assets per employee ($millions) | 3.1680% | 5,669 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3669% | 3,903 |
Loan loss allowance to noncurrent loans | 66.0050% | 4,121 |
Noncurrent assets plus other real estate owned to assets | 3.2353% | 1,936 |
Noncurrent loans to loans | 2.0709% | 3,422 |
Net loans and leases to total assets | 65.2906% | 4,708 |
Net loans and leases to deposits | 104.1046% | 905 |
Net loans and leases to core deposits | 121.4952% | 2,241 |
Total domestic deposits to total assets | 62.7163% | 7,873 |
Equity capital to assets | 22.1190% | 279 |
Core capital (leverage) ratio | 21.9087% | 280 |
Tier 1 risk-based capital ratio | 32.2979% | 490 |
Total risk-based capital ratio | 33.5496% | 478 |
Memoranda: | ||
Average total assets | $662,866,330 | 1,071 |
Average earning assets | $597,441,330 | 1,080 |
Average equity | $142,944,330 | 489 |
Average total loans | $448,868,000 | 1,111 |
2009-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.6638% | 3,971 |
Cost of funding earning assets | 1.9533% | 4,362 |
Net interest margin | 3.7105% | 3,847 |
Noninterest income to average assets | 1.2783% | 879 |
Noninterest expense to average assets | 3.9825% | 1,207 |
Loan and lease loss provision to assets | 0.6303% | 2,005 |
Net operating income to assets | 0.0136% | 6,224 |
Return on assets (ROA) | 0.1825% | 5,885 |
Pretax return on assets | 0.2592% | 5,785 |
Return on Equity (ROE) | 0.8570% | 6,173 |
Retained earnings to average equity (ytd only) | 0.8570% | 5,316 |
Net charge-offs to loans | 0.8609% | 1,515 |
Credit loss provision to net charge-offs | 106.9627% | 3,577 |
Earnings coverage of net charge-offs (x) | 1.0999% | 4,202 |
Efficiency ratio | 84.6174% | 2,239 |
Assets per employee ($millions) | 3.3006% | 5,322 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2690% | 4,281 |
Loan loss allowance to noncurrent loans | 49.0870% | 5,242 |
Noncurrent assets plus other real estate owned to assets | 2.6402% | 2,173 |
Noncurrent loans to loans | 2.5853% | 2,550 |
Net loans and leases to total assets | 67.1675% | 4,310 |
Net loans and leases to deposits | 110.0586% | 605 |
Net loans and leases to core deposits | 127.4768% | 1,827 |
Total domestic deposits to total assets | 61.0289% | 7,943 |
Equity capital to assets | 21.8046% | 313 |
Core capital (leverage) ratio | 21.5424% | 328 |
Tier 1 risk-based capital ratio | 31.6174% | 554 |
Total risk-based capital ratio | 32.8687% | 541 |
Memoranda: | ||
Average total assets | $672,748,500 | 1,045 |
Average earning assets | $607,791,000 | 1,057 |
Average equity | $143,292,500 | 489 |
Average total loans | $460,450,000 | 1,091 |
2008-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.8974% | 6,050 |
Cost of funding earning assets | 2.5288% | 4,055 |
Net interest margin | 3.3686% | 5,790 |
Noninterest income to average assets | 1.6998% | 473 |
Noninterest expense to average assets | 3.7285% | 1,894 |
Loan and lease loss provision to assets | 0.8214% | 1,809 |
Net operating income to assets | 0.1627% | 5,952 |
Return on assets (ROA) | 0.2344% | 5,566 |
Pretax return on assets | 0.3629% | 5,348 |
Return on Equity (ROE) | 1.1322% | 5,880 |
Retained earnings to average equity (ytd only) | -2.6834% | 6,033 |
Net charge-offs to loans | 0.6524% | 1,901 |
Credit loss provision to net charge-offs | 184.2461% | 2,693 |
Earnings coverage of net charge-offs (x) | 2.4091% | 4,873 |
Efficiency ratio | 76.3054% | 3,187 |
Assets per employee ($millions) | 3.4269% | 4,864 |
Cash dividends to net income (ytd only)* | 337.0098% | 164 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1930% | 4,589 |
Loan loss allowance to noncurrent loans | 44.7777% | 5,769 |
Noncurrent assets plus other real estate owned to assets | 2.3321% | 2,085 |
Noncurrent loans to loans | 2.6644% | 2,037 |
Net loans and leases to total assets | 68.0189% | 4,462 |
Net loans and leases to deposits | 113.7146% | 623 |
Net loans and leases to core deposits | 130.8038% | 1,794 |
Total domestic deposits to total assets | 59.8155% | 7,974 |
Equity capital to assets | 20.8132% | 419 |
Core capital (leverage) ratio | 20.6321% | 393 |
Tier 1 risk-based capital ratio | 30.0362% | 644 |
Total risk-based capital ratio | 31.2802% | 621 |
Memoranda: | ||
Average total assets | $696,259,800 | 965 |
Average earning assets | $641,303,600 | 944 |
Average equity | $144,146,600 | 482 |
Average total loans | $475,765,400 | 1,016 |