Home > McVille State Bank > Performance and Condition Ratios
McVille State 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 | 1.6422% | 6,737 |
| Cost of funding earning assets | 0.2809% | 5,758 |
| Net interest margin | 1.3613% | 6,736 |
| Noninterest income to average assets | 0.0959% | 6,403 |
| Noninterest expense to average assets | 0.9284% | 6,758 |
| Loan and lease loss provision to assets | 0.0025% | 5,057 |
| Net operating income to assets | 0.4365% | 5,004 |
| Return on assets (ROA) | 0.4365% | 5,131 |
| Pretax return on assets | 0.4365% | 5,395 |
| Return on Equity (ROE) | 4.1095% | 5,056 |
| Retained earnings to average equity (ytd only) | 4.1095% | 3,252 |
| Net charge-offs to loans | -0.0033% | 5,890 |
| Credit loss provision to net charge-offs | -100.0000% | 5,873 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4391% | 5,300 |
| Assets per employee ($millions) | 4.2695% | 3,316 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0031% | 6,748 |
| Loan loss allowance to noncurrent loans | 1.5625% | 6,299 |
| Noncurrent assets plus other real estate owned to assets | 0.1499% | 5,872 |
| Noncurrent loans to loans | 0.1954% | 5,602 |
| Net loans and leases to total assets | 76.7186% | 986 |
| Net loans and leases to deposits | 87.4820% | 1,521 |
| Net loans and leases to core deposits | 95.6825% | 1,474 |
| Total domestic deposits to total assets | 87.6965% | 2,362 |
| Equity capital to assets | 12.0201% | 1,789 |
| Core capital (leverage) ratio | 9.4498% | 4,337 |
| Tier 1 risk-based capital ratio | 11.6342% | 5,832 |
| Total risk-based capital ratio | 11.6373% | 6,358 |
| Memoranda: | ||
| Average total assets | $39,637,000 | 6,299 |
| Average earning assets | $37,022,800 | 6,254 |
| Average equity | $4,209,800 | 6,282 |
| Average total loans | $30,404,400 | 5,745 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.5213% | 6,866 |
| Cost of funding earning assets | 0.0948% | 6,774 |
| Net interest margin | 0.4266% | 6,864 |
| Noninterest income to average assets | 0.0240% | 6,688 |
| Noninterest expense to average assets | 0.3155% | 6,877 |
| Loan and lease loss provision to assets | 0.0034% | 4,887 |
| Net operating income to assets | 0.1063% | 6,126 |
| Return on assets (ROA) | 0.1063% | 6,191 |
| Pretax return on assets | 0.1063% | 6,205 |
| Return on Equity (ROE) | 1.0386% | 6,175 |
| Retained earnings to average equity (ytd only) | 1.0386% | 5,562 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9355% | 4,317 |
| Assets per employee ($millions) | 4.0232% | 3,782 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 6,828 |
| Loan loss allowance to noncurrent loans | 0.0000% | 6,390 |
| Noncurrent assets plus other real estate owned to assets | 0.0721% | 6,218 |
| Noncurrent loans to loans | 0.0925% | 6,058 |
| Net loans and leases to total assets | 77.9007% | 758 |
| Net loans and leases to deposits | 95.5227% | 724 |
| Net loans and leases to core deposits | 105.8818% | 764 |
| Total domestic deposits to total assets | 81.5520% | 5,065 |
| Equity capital to assets | 12.5124% | 1,572 |
| Core capital (leverage) ratio | 9.7678% | 4,005 |
| Tier 1 risk-based capital ratio | 11.7977% | 5,905 |
| Total risk-based capital ratio | 11.7977% | 6,413 |
| Memoranda: | ||
| Average total assets | $38,872,500 | 6,388 |
| Average earning assets | $36,572,250 | 6,339 |
| Average equity | $3,979,250 | 6,410 |
| Average total loans | $29,816,500 | 5,826 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5693% | 1,956 |
| Cost of funding earning assets | 1.0288% | 467 |
| Net interest margin | 3.5405% | 3,605 |
| Noninterest income to average assets | 0.1249% | 6,432 |
| Noninterest expense to average assets | 2.6341% | 4,268 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.8017% | 3,289 |
| Return on assets (ROA) | 0.8017% | 3,440 |
| Pretax return on assets | 0.8589% | 4,070 |
| Return on Equity (ROE) | 8.4903% | 2,851 |
| Retained earnings to average equity (ytd only) | -0.0551% | 5,868 |
| Net charge-offs to loans | -0.0136% | 5,841 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2370% | 3,605 |
| Assets per employee ($millions) | 3.7076% | 4,384 |
| Cash dividends to net income (ytd only)* | 100.6494% | 507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1541% | 5,217 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 79.0053% | 635 |
| Net loans and leases to deposits | 87.8321% | 1,359 |
| Net loans and leases to core deposits | 97.9928% | 1,216 |
| Total domestic deposits to total assets | 89.9504% | 1,055 |
| Equity capital to assets | 9.6909% | 4,325 |
| Core capital (leverage) ratio | 9.0328% | 4,934 |
| Tier 1 risk-based capital ratio | 11.7982% | 5,913 |
| Total risk-based capital ratio | 12.9784% | 5,928 |
| Memoranda: | ||
| Average total assets | $38,419,330 | 6,445 |
| Average earning assets | $36,548,000 | 6,379 |
| Average equity | $3,627,670 | 6,534 |
| Average total loans | $29,308,330 | 5,879 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5824% | 1,885 |
| Cost of funding earning assets | 1.0159% | 562 |
| Net interest margin | 3.5665% | 3,400 |
| Noninterest income to average assets | 0.1228% | 6,486 |
| Noninterest expense to average assets | 2.6400% | 4,276 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.8084% | 3,109 |
| Return on assets (ROA) | 0.8084% | 3,245 |
| Pretax return on assets | 0.8595% | 3,915 |
| Return on Equity (ROE) | 8.6694% | 2,643 |
| Retained earnings to average equity (ytd only) | -5.0480% | 6,369 |
| Net charge-offs to loans | -0.0137% | 5,557 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3450% | 3,744 |
| Assets per employee ($millions) | 3.8856% | 4,184 |
| Cash dividends to net income (ytd only)* | 158.2278% | 329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2320% | 5,041 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0026% | 6,643 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 70.3572% | 1,607 |
| Net loans and leases to deposits | 77.9149% | 2,348 |
| Net loans and leases to core deposits | 87.8160% | 1,928 |
| Total domestic deposits to total assets | 90.3001% | 878 |
| Equity capital to assets | 9.3190% | 5,108 |
| Core capital (leverage) ratio | 8.5228% | 5,554 |
| Tier 1 risk-based capital ratio | 11.8970% | 5,977 |
| Total risk-based capital ratio | 13.1048% | 5,967 |
| Memoranda: | ||
| Average total assets | $39,091,000 | 6,490 |
| Average earning assets | $37,011,000 | 6,431 |
| Average equity | $3,645,000 | 6,601 |
| Average total loans | $29,145,500 | 5,924 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9483% | 1,695 |
| Cost of funding earning assets | 1.1618% | 688 |
| Net interest margin | 3.7865% | 3,285 |
| Noninterest income to average assets | 0.2203% | 5,864 |
| Noninterest expense to average assets | 2.7142% | 4,347 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.0052% | 2,316 |
| Return on assets (ROA) | 1.0052% | 2,534 |
| Pretax return on assets | 1.0710% | 3,273 |
| Return on Equity (ROE) | 11.0462% | 1,789 |
| Retained earnings to average equity (ytd only) | 3.3945% | 3,841 |
| Net charge-offs to loans | 0.0357% | 5,422 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 38.4545% | 836 |
| Efficiency ratio | 67.9599% | 4,149 |
| Assets per employee ($millions) | 3.9326% | 4,071 |
| Cash dividends to net income (ytd only)* | 69.2695% | 1,400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1074% | 5,529 |
| Loan loss allowance to noncurrent loans | 8,475.0000% | 89 |
| Noncurrent assets plus other real estate owned to assets | 0.0127% | 6,650 |
| Noncurrent loans to loans | 0.0131% | 6,512 |
| Net loans and leases to total assets | 76.9796% | 790 |
| Net loans and leases to deposits | 85.3001% | 1,606 |
| Net loans and leases to core deposits | 95.9920% | 1,301 |
| Total domestic deposits to total assets | 90.2456% | 825 |
| Equity capital to assets | 9.3297% | 5,108 |
| Core capital (leverage) ratio | 8.7233% | 5,290 |
| Tier 1 risk-based capital ratio | 11.3655% | 6,179 |
| Total risk-based capital ratio | 12.5017% | 6,210 |
| Memoranda: | ||
| Average total assets | $39,496,400 | 6,515 |
| Average earning assets | $37,184,400 | 6,467 |
| Average equity | $3,594,000 | 6,668 |
| Average total loans | $30,841,000 | 5,905 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8783% | 2,092 |
| Cost of funding earning assets | 1.1829% | 747 |
| Net interest margin | 3.6954% | 3,817 |
| Noninterest income to average assets | 0.2529% | 5,759 |
| Noninterest expense to average assets | 2.6437% | 4,594 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.0285% | 2,367 |
| Return on assets (ROA) | 1.0285% | 2,590 |
| Pretax return on assets | 1.0960% | 3,363 |
| Return on Equity (ROE) | 11.3743% | 1,831 |
| Retained earnings to average equity (ytd only) | 4.8481% | 3,475 |
| Net charge-offs to loans | 0.0518% | 4,931 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 27.0825% | 1,195 |
| Efficiency ratio | 66.9071% | 4,265 |
| Assets per employee ($millions) | 3.8864% | 4,118 |
| Cash dividends to net income (ytd only)* | 57.3772% | 1,374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0400% | 5,935 |
| Loan loss allowance to noncurrent loans | 3,072.7273% | 190 |
| Noncurrent assets plus other real estate owned to assets | 0.0309% | 6,690 |
| Noncurrent loans to loans | 0.0338% | 6,532 |
| Net loans and leases to total assets | 82.7578% | 296 |
| Net loans and leases to deposits | 92.7743% | 895 |
| Net loans and leases to core deposits | 104.7143% | 825 |
| Total domestic deposits to total assets | 89.2034% | 1,310 |
| Equity capital to assets | 9.5127% | 5,192 |
| Core capital (leverage) ratio | 8.7001% | 5,475 |
| Tier 1 risk-based capital ratio | 10.8770% | 6,528 |
| Total risk-based capital ratio | 11.9627% | 6,585 |
| Memoranda: | ||
| Average total assets | $39,539,000 | 6,598 |
| Average earning assets | $37,307,000 | 6,537 |
| Average equity | $3,575,250 | 6,750 |
| Average total loans | $30,898,250 | 5,979 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7158% | 2,857 |
| Cost of funding earning assets | 1.1829% | 884 |
| Net interest margin | 3.5329% | 4,539 |
| Noninterest income to average assets | 0.2565% | 5,745 |
| Noninterest expense to average assets | 2.6607% | 4,567 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.8752% | 3,018 |
| Return on assets (ROA) | 0.8752% | 3,276 |
| Pretax return on assets | 0.9305% | 3,961 |
| Return on Equity (ROE) | 9.8453% | 2,419 |
| Retained earnings to average equity (ytd only) | 1.3580% | 5,517 |
| Net charge-offs to loans | 0.0659% | 4,508 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 18.5000% | 1,483 |
| Efficiency ratio | 70.1681% | 3,743 |
| Assets per employee ($millions) | 3.9226% | 4,033 |
| Cash dividends to net income (ytd only)* | 86.2069% | 677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0223% | 6,066 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0025% | 6,861 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 83.9214% | 218 |
| Net loans and leases to deposits | 94.5731% | 726 |
| Net loans and leases to core deposits | 105.3475% | 774 |
| Total domestic deposits to total assets | 88.7371% | 1,682 |
| Equity capital to assets | 9.0323% | 5,666 |
| Core capital (leverage) ratio | 8.4286% | 5,748 |
| Tier 1 risk-based capital ratio | 10.3528% | 6,743 |
| Total risk-based capital ratio | 11.4306% | 6,761 |
| Memoranda: | ||
| Average total assets | $39,764,000 | 6,637 |
| Average earning assets | $37,533,330 | 6,574 |
| Average equity | $3,534,670 | 6,798 |
| Average total loans | $30,364,000 | 6,048 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7695% | 2,765 |
| Cost of funding earning assets | 1.1871% | 1,045 |
| Net interest margin | 3.5824% | 4,342 |
| Noninterest income to average assets | 0.3397% | 5,141 |
| Noninterest expense to average assets | 2.5479% | 4,996 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.0991% | 2,087 |
| Return on assets (ROA) | 1.0991% | 2,280 |
| Pretax return on assets | 1.1690% | 3,029 |
| Return on Equity (ROE) | 12.4628% | 1,539 |
| Retained earnings to average equity (ytd only) | 6.7979% | 2,530 |
| Net charge-offs to loans | -0.0277% | 6,308 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7849% | 4,783 |
| Assets per employee ($millions) | 3.9724% | 4,076 |
| Cash dividends to net income (ytd only)* | 45.4545% | 1,597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2492% | 5,250 |
| Loan loss allowance to noncurrent loans | 1,466.6667% | 287 |
| Noncurrent assets plus other real estate owned to assets | 0.0629% | 6,733 |
| Noncurrent loans to loans | 0.0852% | 6,542 |
| Net loans and leases to total assets | 70.0483% | 1,745 |
| Net loans and leases to deposits | 77.2966% | 2,628 |
| Net loans and leases to core deposits | 86.3089% | 2,256 |
| Total domestic deposits to total assets | 90.6228% | 736 |
| Equity capital to assets | 8.9392% | 5,587 |
| Core capital (leverage) ratio | 8.2636% | 5,938 |
| Tier 1 risk-based capital ratio | 11.7397% | 6,133 |
| Total risk-based capital ratio | 12.9897% | 6,115 |
| Memoranda: | ||
| Average total assets | $40,033,000 | 6,685 |
| Average earning assets | $37,740,000 | 6,612 |
| Average equity | $3,530,500 | 6,841 |
| Average total loans | $28,916,500 | 6,166 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5135% | 1,137 |
| Cost of funding earning assets | 1.4063% | 1,011 |
| Net interest margin | 4.1071% | 2,399 |
| Noninterest income to average assets | 0.2721% | 5,579 |
| Noninterest expense to average assets | 2.9449% | 3,794 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.1155% | 1,775 |
| Return on assets (ROA) | 1.1155% | 1,899 |
| Pretax return on assets | 1.1828% | 2,512 |
| Return on Equity (ROE) | 11.9778% | 1,410 |
| Retained earnings to average equity (ytd only) | 7.3487% | 1,341 |
| Net charge-offs to loans | -0.0202% | 6,958 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6893% | 4,425 |
| Assets per employee ($millions) | 4.0342% | 3,781 |
| Cash dividends to net income (ytd only)* | 38.6473% | 2,681 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1802% | 5,481 |
| Loan loss allowance to noncurrent loans | 1,458.3333% | 303 |
| Noncurrent assets plus other real estate owned to assets | 0.1586% | 6,549 |
| Noncurrent loans to loans | 0.0809% | 6,608 |
| Net loans and leases to total assets | 72.6414% | 1,526 |
| Net loans and leases to deposits | 79.9525% | 2,524 |
| Net loans and leases to core deposits | 88.7412% | 2,292 |
| Total domestic deposits to total assets | 90.8557% | 560 |
| Equity capital to assets | 8.7006% | 5,899 |
| Core capital (leverage) ratio | 8.4180% | 5,692 |
| Tier 1 risk-based capital ratio | 10.9022% | 6,504 |
| Total risk-based capital ratio | 12.0899% | 6,519 |
| Memoranda: | ||
| Average total assets | $37,114,600 | 6,761 |
| Average earning assets | $34,842,000 | 6,719 |
| Average equity | $3,456,400 | 6,891 |
| Average total loans | $29,684,800 | 6,173 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7016% | 850 |
| Cost of funding earning assets | 1.4665% | 965 |
| Net interest margin | 4.2351% | 1,966 |
| Noninterest income to average assets | 0.3158% | 5,336 |
| Noninterest expense to average assets | 2.9672% | 3,679 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.2522% | 1,512 |
| Return on assets (ROA) | 1.2522% | 1,614 |
| Pretax return on assets | 1.3257% | 2,199 |
| Return on Equity (ROE) | 13.2053% | 1,228 |
| Retained earnings to average equity (ytd only) | 8.1711% | 1,441 |
| Net charge-offs to loans | -0.0180% | 6,887 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5261% | 4,801 |
| Assets per employee ($millions) | 3.2814% | 5,513 |
| Cash dividends to net income (ytd only)* | 38.1230% | 2,113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1824% | 5,541 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1136% | 6,770 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 80.5763% | 461 |
| Net loans and leases to deposits | 89.9264% | 1,220 |
| Net loans and leases to core deposits | 101.8240% | 1,105 |
| Total domestic deposits to total assets | 89.6024% | 1,091 |
| Equity capital to assets | 9.7991% | 4,621 |
| Core capital (leverage) ratio | 8.7371% | 5,353 |
| Tier 1 risk-based capital ratio | 11.0931% | 6,482 |
| Total risk-based capital ratio | 12.3163% | 6,485 |
| Memoranda: | ||
| Average total assets | $36,307,750 | 6,847 |
| Average earning assets | $34,095,000 | 6,810 |
| Average equity | $3,443,000 | 6,951 |
| Average total loans | $29,692,250 | 6,231 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6411% | 990 |
| Cost of funding earning assets | 1.5039% | 992 |
| Net interest margin | 4.1372% | 2,275 |
| Noninterest income to average assets | 0.6542% | 2,804 |
| Noninterest expense to average assets | 3.0237% | 3,549 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.4349% | 1,008 |
| Return on assets (ROA) | 1.4349% | 1,067 |
| Pretax return on assets | 1.5174% | 1,480 |
| Return on Equity (ROE) | 15.3004% | 745 |
| Retained earnings to average equity (ytd only) | 9.4382% | 977 |
| Net charge-offs to loans | -0.0134% | 6,748 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1961% | 5,371 |
| Assets per employee ($millions) | 3.2864% | 5,449 |
| Cash dividends to net income (ytd only)* | 38.3142% | 2,148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1530% | 5,750 |
| Loan loss allowance to noncurrent loans | 910.5263% | 405 |
| Noncurrent assets plus other real estate owned to assets | 0.4205% | 6,092 |
| Noncurrent loans to loans | 0.1266% | 6,661 |
| Net loans and leases to total assets | 82.0553% | 366 |
| Net loans and leases to deposits | 92.7984% | 976 |
| Net loans and leases to core deposits | 103.7748% | 1,056 |
| Total domestic deposits to total assets | 88.4232% | 1,907 |
| Equity capital to assets | 9.6459% | 4,602 |
| Core capital (leverage) ratio | 8.6569% | 5,289 |
| Tier 1 risk-based capital ratio | 11.1580% | 6,410 |
| Total risk-based capital ratio | 12.4066% | 6,408 |
| Memoranda: | ||
| Average total assets | $36,378,670 | 6,909 |
| Average earning assets | $34,177,670 | 6,866 |
| Average equity | $3,411,670 | 7,011 |
| Average total loans | $29,779,000 | 6,292 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5027% | 1,288 |
| Cost of funding earning assets | 1.4743% | 1,273 |
| Net interest margin | 4.0283% | 2,576 |
| Noninterest income to average assets | 1.1071% | 1,066 |
| Noninterest expense to average assets | 3.0252% | 3,535 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.7866% | 500 |
| Return on assets (ROA) | 1.7866% | 529 |
| Pretax return on assets | 1.8853% | 701 |
| Return on Equity (ROE) | 19.3242% | 378 |
| Retained earnings to average equity (ytd only) | 19.3242% | 187 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4821% | 6,206 |
| Assets per employee ($millions) | 3.2695% | 5,557 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1724% | 5,760 |
| Loan loss allowance to noncurrent loans | 860.0000% | 425 |
| Noncurrent assets plus other real estate owned to assets | 0.4282% | 6,138 |
| Noncurrent loans to loans | 0.1363% | 6,703 |
| Net loans and leases to total assets | 80.6279% | 460 |
| Net loans and leases to deposits | 89.7879% | 1,259 |
| Net loans and leases to core deposits | 97.6001% | 1,555 |
| Total domestic deposits to total assets | 89.7981% | 1,285 |
| Equity capital to assets | 9.6541% | 4,248 |
| Core capital (leverage) ratio | 8.4027% | 5,622 |
| Tier 1 risk-based capital ratio | 11.2676% | 6,288 |
| Total risk-based capital ratio | 12.5183% | 6,268 |
| Memoranda: | ||
| Average total assets | $36,493,000 | 6,948 |
| Average earning assets | $34,456,000 | 6,902 |
| Average equity | $3,374,000 | 7,056 |
| Average total loans | $29,664,000 | 6,352 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0203% | 819 |
| Cost of funding earning assets | 1.7705% | 1,297 |
| Net interest margin | 4.2498% | 1,997 |
| Noninterest income to average assets | 0.3322% | 5,416 |
| Noninterest expense to average assets | 3.3794% | 2,491 |
| Loan and lease loss provision to assets | 0.3610% | 3,959 |
| Net operating income to assets | 0.5184% | 4,012 |
| Return on assets (ROA) | 0.6903% | 3,393 |
| Pretax return on assets | 0.7423% | 3,827 |
| Return on Equity (ROE) | 7.5105% | 2,891 |
| Retained earnings to average equity (ytd only) | 4.6823% | 2,619 |
| Net charge-offs to loans | 0.0977% | 5,877 |
| Credit loss provision to net charge-offs | 446.4286% | 514 |
| Earnings coverage of net charge-offs (x) | 11.3571% | 1,619 |
| Efficiency ratio | 74.8656% | 3,229 |
| Assets per employee ($millions) | 3.3656% | 5,256 |
| Cash dividends to net income (ytd only)* | 37.6569% | 2,707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1472% | 5,748 |
| Loan loss allowance to noncurrent loans | 521.2121% | 624 |
| Noncurrent assets plus other real estate owned to assets | 0.6456% | 5,709 |
| Noncurrent loans to loans | 0.2201% | 6,625 |
| Net loans and leases to total assets | 80.0686% | 654 |
| Net loans and leases to deposits | 88.3731% | 1,742 |
| Net loans and leases to core deposits | 99.5065% | 1,657 |
| Total domestic deposits to total assets | 90.6029% | 787 |
| Equity capital to assets | 8.8488% | 5,363 |
| Core capital (leverage) ratio | 8.1389% | 5,929 |
| Tier 1 risk-based capital ratio | 10.3491% | 6,793 |
| Total risk-based capital ratio | 11.5746% | 6,787 |
| Memoranda: | ||
| Average total assets | $34,621,400 | 7,053 |
| Average earning assets | $32,307,400 | 7,006 |
| Average equity | $3,182,200 | 7,225 |
| Average total loans | $28,658,600 | 6,460 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1110% | 744 |
| Cost of funding earning assets | 1.8308% | 1,299 |
| Net interest margin | 4.2802% | 1,913 |
| Noninterest income to average assets | 0.3723% | 5,173 |
| Noninterest expense to average assets | 3.5115% | 2,014 |
| Loan and lease loss provision to assets | 0.4899% | 3,023 |
| Net operating income to assets | 0.3325% | 5,036 |
| Return on assets (ROA) | 0.5683% | 4,181 |
| Pretax return on assets | 0.6074% | 4,571 |
| Return on Equity (ROE) | 6.1205% | 3,759 |
| Retained earnings to average equity (ytd only) | 4.6430% | 3,234 |
| Net charge-offs to loans | 0.1130% | 5,407 |
| Credit loss provision to net charge-offs | 520.8333% | 559 |
| Earnings coverage of net charge-offs (x) | 8.9997% | 2,081 |
| Efficiency ratio | 76.7986% | 2,797 |
| Assets per employee ($millions) | 3.1687% | 5,753 |
| Cash dividends to net income (ytd only)* | 24.1401% | 2,790 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1942% | 5,521 |
| Loan loss allowance to noncurrent loans | 127.4725% | 2,228 |
| Noncurrent assets plus other real estate owned to assets | 1.2939% | 4,553 |
| Noncurrent loans to loans | 0.9368% | 5,358 |
| Net loans and leases to total assets | 82.6056% | 436 |
| Net loans and leases to deposits | 91.6158% | 1,500 |
| Net loans and leases to core deposits | 104.9881% | 1,401 |
| Total domestic deposits to total assets | 90.1653% | 795 |
| Equity capital to assets | 9.2466% | 5,226 |
| Core capital (leverage) ratio | 8.3074% | 5,860 |
| Tier 1 risk-based capital ratio | 10.6060% | 6,703 |
| Total risk-based capital ratio | 11.8560% | 6,691 |
| Memoranda: | ||
| Average total assets | $34,021,250 | 7,162 |
| Average earning assets | $31,680,000 | 7,116 |
| Average equity | $3,158,750 | 7,319 |
| Average total loans | $28,326,500 | 6,569 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0709% | 804 |
| Cost of funding earning assets | 1.8704% | 1,338 |
| Net interest margin | 4.2005% | 2,156 |
| Noninterest income to average assets | 0.3853% | 5,035 |
| Noninterest expense to average assets | 3.4615% | 2,118 |
| Loan and lease loss provision to assets | 0.1778% | 5,093 |
| Net operating income to assets | 0.6461% | 3,642 |
| Return on assets (ROA) | 0.6461% | 3,798 |
| Pretax return on assets | 0.6461% | 4,414 |
| Return on Equity (ROE) | 6.9486% | 3,326 |
| Retained earnings to average equity (ytd only) | 6.9486% | 1,855 |
| Net charge-offs to loans | 0.0784% | 5,355 |
| Credit loss provision to net charge-offs | 272.7273% | 1,371 |
| Earnings coverage of net charge-offs (x) | 12.6364% | 1,662 |
| Efficiency ratio | 76.9018% | 2,913 |
| Assets per employee ($millions) | 3.0957% | 5,929 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9193% | 6,694 |
| Loan loss allowance to noncurrent loans | 28.8191% | 6,442 |
| Noncurrent assets plus other real estate owned to assets | 3.0658% | 2,321 |
| Noncurrent loans to loans | 3.1898% | 2,512 |
| Net loans and leases to total assets | 84.1923% | 338 |
| Net loans and leases to deposits | 100.3535% | 695 |
| Net loans and leases to core deposits | 110.3286% | 1,145 |
| Total domestic deposits to total assets | 83.8957% | 4,150 |
| Equity capital to assets | 9.4206% | 4,833 |
| Core capital (leverage) ratio | 8.5244% | 5,366 |
| Tier 1 risk-based capital ratio | 10.8793% | 6,373 |
| Total risk-based capital ratio | 11.8994% | 6,562 |
| Memoranda: | ||
| Average total assets | $33,743,000 | 7,222 |
| Average earning assets | $31,329,670 | 7,179 |
| Average equity | $3,137,330 | 7,373 |
| Average total loans | $28,055,000 | 6,632 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9973% | 987 |
| Cost of funding earning assets | 1.9129% | 1,396 |
| Net interest margin | 4.0843% | 2,512 |
| Noninterest income to average assets | 0.3335% | 5,477 |
| Noninterest expense to average assets | 3.5251% | 1,922 |
| Loan and lease loss provision to assets | 0.1191% | 5,401 |
| Net operating income to assets | 0.4525% | 4,606 |
| Return on assets (ROA) | 0.4525% | 4,732 |
| Pretax return on assets | 0.4525% | 5,122 |
| Return on Equity (ROE) | 4.9001% | 4,419 |
| Retained earnings to average equity (ytd only) | 4.9001% | 3,208 |
| Net charge-offs to loans | -0.0290% | 7,181 |
| Credit loss provision to net charge-offs | -500.0000% | 6,266 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.9767% | 2,272 |
| Assets per employee ($millions) | 2.7617% | 6,728 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9586% | 6,646 |
| Loan loss allowance to noncurrent loans | 65.3266% | 4,093 |
| Noncurrent assets plus other real estate owned to assets | 1.5661% | 4,153 |
| Noncurrent loans to loans | 1.4674% | 4,541 |
| Net loans and leases to total assets | 81.0591% | 709 |
| Net loans and leases to deposits | 90.0416% | 1,890 |
| Net loans and leases to core deposits | 101.9469% | 1,914 |
| Total domestic deposits to total assets | 90.0241% | 977 |
| Equity capital to assets | 9.4086% | 4,664 |
| Core capital (leverage) ratio | 8.4059% | 5,550 |
| Tier 1 risk-based capital ratio | 11.1183% | 6,039 |
| Total risk-based capital ratio | 12.1687% | 6,215 |
| Memoranda: | ||
| Average total assets | $33,588,000 | 7,325 |
| Average earning assets | $30,947,500 | 7,284 |
| Average equity | $3,102,000 | 7,468 |
| Average total loans | $27,614,500 | 6,741 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2135% | 1,205 |
| Cost of funding earning assets | 2.3646% | 1,409 |
| Net interest margin | 3.8489% | 3,488 |
| Noninterest income to average assets | 0.4993% | 4,421 |
| Noninterest expense to average assets | 3.0903% | 3,787 |
| Loan and lease loss provision to assets | 0.8804% | 2,547 |
| Net operating income to assets | 0.0680% | 5,297 |
| Return on assets (ROA) | 0.0680% | 5,340 |
| Pretax return on assets | 0.0680% | 5,281 |
| Return on Equity (ROE) | 0.7789% | 5,298 |
| Retained earnings to average equity (ytd only) | -1.5577% | 5,401 |
| Net charge-offs to loans | 0.9815% | 2,446 |
| Credit loss provision to net charge-offs | 109.1575% | 5,059 |
| Earnings coverage of net charge-offs (x) | 1.1758% | 4,950 |
| Efficiency ratio | 72.4214% | 4,195 |
| Assets per employee ($millions) | 3.0942% | 6,001 |
| Cash dividends to net income (ytd only)* | 300.0000% | 103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8824% | 6,885 |
| Loan loss allowance to noncurrent loans | 150.3030% | 1,906 |
| Noncurrent assets plus other real estate owned to assets | 0.8403% | 5,420 |
| Noncurrent loans to loans | 0.5871% | 6,065 |
| Net loans and leases to total assets | 81.8486% | 708 |
| Net loans and leases to deposits | 91.4817% | 1,967 |
| Net loans and leases to core deposits | 109.3586% | 2,969 |
| Total domestic deposits to total assets | 89.4700% | 1,224 |
| Equity capital to assets | 9.0669% | 5,040 |
| Core capital (leverage) ratio | 8.0254% | 6,132 |
| Tier 1 risk-based capital ratio | 10.4231% | 6,475 |
| Total risk-based capital ratio | 11.3805% | 6,728 |
| Memoranda: | ||
| Average total assets | $33,848,200 | 7,329 |
| Average earning assets | $31,126,000 | 7,305 |
| Average equity | $2,953,000 | 7,601 |
| Average total loans | $27,815,000 | 6,751 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2936% | 1,149 |
| Cost of funding earning assets | 2.4397% | 1,494 |
| Net interest margin | 3.8539% | 3,411 |
| Noninterest income to average assets | 0.3629% | 5,598 |
| Noninterest expense to average assets | 3.0136% | 3,990 |
| Loan and lease loss provision to assets | 0.7810% | 2,421 |
| Net operating income to assets | 0.1262% | 5,387 |
| Return on assets (ROA) | 0.1262% | 5,452 |
| Pretax return on assets | 0.1262% | 5,465 |
| Return on Equity (ROE) | 1.4614% | 5,346 |
| Retained earnings to average equity (ytd only) | -1.0504% | 5,499 |
| Net charge-offs to loans | 0.5767% | 2,946 |
| Credit loss provision to net charge-offs | 165.0000% | 2,854 |
| Earnings coverage of net charge-offs (x) | 1.9166% | 4,374 |
| Efficiency ratio | 72.6358% | 4,118 |
| Assets per employee ($millions) | 3.0233% | 6,098 |
| Cash dividends to net income (ytd only)* | 171.8538% | 232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0702% | 5,898 |
| Loan loss allowance to noncurrent loans | 81.1321% | 3,369 |
| Noncurrent assets plus other real estate owned to assets | 1.3110% | 4,462 |
| Noncurrent loans to loans | 1.3191% | 4,731 |
| Net loans and leases to total assets | 83.6691% | 580 |
| Net loans and leases to deposits | 97.9202% | 1,340 |
| Net loans and leases to core deposits | 118.5758% | 2,369 |
| Total domestic deposits to total assets | 85.4462% | 2,994 |
| Equity capital to assets | 8.7232% | 5,920 |
| Core capital (leverage) ratio | 7.5039% | 6,964 |
| Tier 1 risk-based capital ratio | 9.7809% | 7,155 |
| Total risk-based capital ratio | 10.9543% | 7,190 |
| Memoranda: | ||
| Average total assets | $33,801,250 | 7,389 |
| Average earning assets | $31,205,500 | 7,362 |
| Average equity | $2,919,750 | 7,683 |
| Average total loans | $27,742,250 | 6,807 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2793% | 1,261 |
| Cost of funding earning assets | 2.4963% | 1,627 |
| Net interest margin | 3.7829% | 3,625 |
| Noninterest income to average assets | 0.3472% | 5,728 |
| Noninterest expense to average assets | 3.1074% | 3,672 |
| Loan and lease loss provision to assets | 0.5120% | 2,975 |
| Net operating income to assets | 0.2060% | 5,242 |
| Return on assets (ROA) | 0.2236% | 5,265 |
| Pretax return on assets | 0.2236% | 5,402 |
| Return on Equity (ROE) | 2.5974% | 5,060 |
| Retained earnings to average equity (ytd only) | 1.2303% | 4,662 |
| Net charge-offs to loans | 0.6301% | 2,460 |
| Credit loss provision to net charge-offs | 100.0000% | 4,559 |
| Earnings coverage of net charge-offs (x) | 1.4023% | 4,478 |
| Efficiency ratio | 76.9231% | 3,520 |
| Assets per employee ($millions) | 3.0806% | 5,917 |
| Cash dividends to net income (ytd only)* | 52.6316% | 1,944 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7990% | 7,156 |
| Loan loss allowance to noncurrent loans | 74.5819% | 3,728 |
| Noncurrent assets plus other real estate owned to assets | 1.4371% | 4,094 |
| Noncurrent loans to loans | 1.0713% | 5,068 |
| Net loans and leases to total assets | 81.7068% | 1,007 |
| Net loans and leases to deposits | 90.0686% | 2,825 |
| Net loans and leases to core deposits | 108.1647% | 3,593 |
| Total domestic deposits to total assets | 90.7162% | 550 |
| Equity capital to assets | 8.5785% | 5,932 |
| Core capital (leverage) ratio | 7.6855% | 6,778 |
| Tier 1 risk-based capital ratio | 9.6053% | 7,310 |
| Total risk-based capital ratio | 10.4500% | 7,592 |
| Memoranda: | ||
| Average total assets | $33,983,000 | 7,451 |
| Average earning assets | $31,245,670 | 7,427 |
| Average equity | $2,926,000 | 7,747 |
| Average total loans | $27,614,330 | 6,872 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2308% | 1,500 |
| Cost of funding earning assets | 2.5694% | 1,661 |
| Net interest margin | 3.6614% | 4,054 |
| Noninterest income to average assets | 0.4467% | 4,812 |
| Noninterest expense to average assets | 2.9738% | 3,881 |
| Loan and lease loss provision to assets | 1.0226% | 1,284 |
| Net operating income to assets | -0.2116% | 6,573 |
| Return on assets (ROA) | -0.2116% | 6,653 |
| Pretax return on assets | -0.1998% | 6,572 |
| Return on Equity (ROE) | -2.4527% | 6,719 |
| Retained earnings to average equity (ytd only) | -2.4527% | 6,184 |
| Net charge-offs to loans | 1.2670% | 1,107 |
| Credit loss provision to net charge-offs | 100.0000% | 3,714 |
| Earnings coverage of net charge-offs (x) | 0.8046% | 4,385 |
| Efficiency ratio | 73.9938% | 3,823 |
| Assets per employee ($millions) | 3.0463% | 6,031 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8089% | 7,123 |
| Loan loss allowance to noncurrent loans | 35.8065% | 6,171 |
| Noncurrent assets plus other real estate owned to assets | 2.4113% | 2,378 |
| Noncurrent loans to loans | 2.2592% | 2,915 |
| Net loans and leases to total assets | 81.2349% | 1,145 |
| Net loans and leases to deposits | 89.7731% | 2,966 |
| Net loans and leases to core deposits | 109.7179% | 3,470 |
| Total domestic deposits to total assets | 90.4891% | 595 |
| Equity capital to assets | 8.7618% | 5,677 |
| Core capital (leverage) ratio | 7.5560% | 7,086 |
| Tier 1 risk-based capital ratio | 9.3688% | 7,530 |
| Total risk-based capital ratio | 10.2054% | 7,855 |
| Memoranda: | ||
| Average total assets | $34,031,000 | 7,489 |
| Average earning assets | $31,135,500 | 7,471 |
| Average equity | $2,935,500 | 7,804 |
| Average total loans | $27,466,000 | 6,913 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1377% | 840 |
| Cost of funding earning assets | 3.1019% | 1,499 |
| Net interest margin | 4.0358% | 2,955 |
| Noninterest income to average assets | 0.5440% | 4,276 |
| Noninterest expense to average assets | 3.4073% | 2,653 |
| Loan and lease loss provision to assets | 0.5627% | 2,567 |
| Net operating income to assets | 0.2350% | 5,742 |
| Return on assets (ROA) | 0.3637% | 5,095 |
| Pretax return on assets | 0.3948% | 5,270 |
| Return on Equity (ROE) | 4.0532% | 4,803 |
| Retained earnings to average equity (ytd only) | -0.1039% | 5,302 |
| Net charge-offs to loans | 0.3133% | 3,294 |
| Credit loss provision to net charge-offs | 232.0513% | 2,054 |
| Earnings coverage of net charge-offs (x) | 3.3718% | 4,398 |
| Efficiency ratio | 76.5269% | 3,147 |
| Assets per employee ($millions) | 3.1412% | 5,648 |
| Cash dividends to net income (ytd only)* | 102.5641% | 922 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8076% | 7,075 |
| Loan loss allowance to noncurrent loans | 72.0779% | 4,459 |
| Noncurrent assets plus other real estate owned to assets | 1.4355% | 3,339 |
| Noncurrent loans to loans | 1.1204% | 4,307 |
| Net loans and leases to total assets | 78.9136% | 1,913 |
| Net loans and leases to deposits | 90.4678% | 3,374 |
| Net loans and leases to core deposits | 108.9503% | 3,867 |
| Total domestic deposits to total assets | 87.2283% | 1,825 |
| Equity capital to assets | 8.4942% | 6,096 |
| Core capital (leverage) ratio | 7.5279% | 7,174 |
| Tier 1 risk-based capital ratio | 9.4973% | 7,310 |
| Total risk-based capital ratio | 10.3440% | 7,685 |
| Memoranda: | ||
| Average total assets | $32,166,600 | 7,552 |
| Average earning assets | $29,337,200 | 7,548 |
| Average equity | $2,886,600 | 7,869 |
| Average total loans | $24,896,600 | 7,031 |