Home > Southcrest Bank > Performance and Condition Ratios
Southcrest 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 | 4.5787% | 1,936 |
| Cost of funding earning assets | 0.4807% | 3,811 |
| Net interest margin | 4.0980% | 1,646 |
| Noninterest income to average assets | 1.7006% | 506 |
| Noninterest expense to average assets | 6.2430% | 179 |
| Loan and lease loss provision to assets | 0.1364% | 2,599 |
| Net operating income to assets | -1.2404% | 6,644 |
| Return on assets (ROA) | -1.2196% | 6,643 |
| Pretax return on assets | -1.2196% | 6,634 |
| Return on Equity (ROE) | -14.4242% | 6,636 |
| Retained earnings to average equity (ytd only) | -14.4242% | 6,607 |
| Net charge-offs to loans | 0.8564% | 719 |
| Credit loss provision to net charge-offs | 33.0033% | 4,184 |
| Earnings coverage of net charge-offs (x) | -2.6716% | 5,342 |
| Efficiency ratio | 121.3362% | 167 |
| Assets per employee ($millions) | 1.6872% | 6,697 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8965% | 1,790 |
| Loan loss allowance to noncurrent loans | 64.3512% | 4,704 |
| Noncurrent assets plus other real estate owned to assets | 2.9516% | 1,082 |
| Noncurrent loans to loans | 2.9471% | 1,178 |
| Net loans and leases to total assets | 50.9248% | 4,975 |
| Net loans and leases to deposits | 56.0416% | 5,299 |
| Net loans and leases to core deposits | 57.3294% | 5,438 |
| Total domestic deposits to total assets | 90.8696% | 627 |
| Equity capital to assets | 8.0653% | 5,969 |
| Core capital (leverage) ratio | 7.6449% | 6,323 |
| Tier 1 risk-based capital ratio | 12.0396% | 5,593 |
| Total risk-based capital ratio | 13.2868% | 5,530 |
| Memoranda: | ||
| Average total assets | $293,304,200 | 2,191 |
| Average earning assets | $246,096,800 | 2,371 |
| Average equity | $24,798,600 | 2,647 |
| Average total loans | $141,525,600 | 2,673 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5067% | 2,208 |
| Cost of funding earning assets | 0.4994% | 3,769 |
| Net interest margin | 4.0073% | 1,918 |
| Noninterest income to average assets | 1.7159% | 520 |
| Noninterest expense to average assets | 5.9892% | 206 |
| Loan and lease loss provision to assets | 0.1806% | 2,015 |
| Net operating income to assets | -1.1069% | 6,721 |
| Return on assets (ROA) | -1.0798% | 6,716 |
| Pretax return on assets | -1.0798% | 6,706 |
| Return on Equity (ROE) | -12.6312% | 6,716 |
| Retained earnings to average equity (ytd only) | -12.6312% | 6,679 |
| Net charge-offs to loans | 1.2627% | 421 |
| Credit loss provision to net charge-offs | 30.1887% | 3,892 |
| Earnings coverage of net charge-offs (x) | -1.5487% | 5,048 |
| Efficiency ratio | 118.1453% | 186 |
| Assets per employee ($millions) | 1.8650% | 6,743 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9255% | 1,922 |
| Loan loss allowance to noncurrent loans | 68.1853% | 4,486 |
| Noncurrent assets plus other real estate owned to assets | 4.0964% | 758 |
| Noncurrent loans to loans | 2.8239% | 1,473 |
| Net loans and leases to total assets | 47.4678% | 5,401 |
| Net loans and leases to deposits | 52.4465% | 5,678 |
| Net loans and leases to core deposits | 53.8233% | 5,779 |
| Total domestic deposits to total assets | 90.5072% | 742 |
| Equity capital to assets | 8.4422% | 5,798 |
| Core capital (leverage) ratio | 8.2280% | 6,032 |
| Tier 1 risk-based capital ratio | 13.4398% | 4,804 |
| Total risk-based capital ratio | 14.6922% | 4,746 |
| Memoranda: | ||
| Average total assets | $295,346,250 | 2,187 |
| Average earning assets | $246,678,750 | 2,373 |
| Average equity | $25,249,000 | 2,633 |
| Average total loans | $139,904,000 | 2,711 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3872% | 2,617 |
| Cost of funding earning assets | 0.5131% | 3,779 |
| Net interest margin | 3.8742% | 2,298 |
| Noninterest income to average assets | 1.6703% | 584 |
| Noninterest expense to average assets | 5.7209% | 232 |
| Loan and lease loss provision to assets | 0.2690% | 1,375 |
| Net operating income to assets | -1.0752% | 6,768 |
| Return on assets (ROA) | -1.0752% | 6,770 |
| Pretax return on assets | -1.0752% | 6,750 |
| Return on Equity (ROE) | -12.5263% | 6,776 |
| Retained earnings to average equity (ytd only) | -12.5263% | 6,720 |
| Net charge-offs to loans | 1.5325% | 341 |
| Credit loss provision to net charge-offs | 37.3134% | 3,467 |
| Earnings coverage of net charge-offs (x) | -1.1185% | 4,721 |
| Efficiency ratio | 116.2539% | 210 |
| Assets per employee ($millions) | 2.1169% | 6,711 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1430% | 1,539 |
| Loan loss allowance to noncurrent loans | 74.1757% | 4,246 |
| Noncurrent assets plus other real estate owned to assets | 4.5556% | 720 |
| Noncurrent loans to loans | 2.8891% | 1,560 |
| Net loans and leases to total assets | 45.4068% | 5,598 |
| Net loans and leases to deposits | 50.1534% | 5,827 |
| Net loans and leases to core deposits | 51.6233% | 5,918 |
| Total domestic deposits to total assets | 90.5359% | 736 |
| Equity capital to assets | 8.4218% | 5,851 |
| Core capital (leverage) ratio | 8.2359% | 5,976 |
| Tier 1 risk-based capital ratio | 13.7834% | 4,584 |
| Total risk-based capital ratio | 15.0136% | 4,565 |
| Memoranda: | ||
| Average total assets | $297,434,330 | 2,178 |
| Average earning assets | $249,086,330 | 2,353 |
| Average equity | $25,530,330 | 2,625 |
| Average total loans | $139,900,330 | 2,720 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4316% | 2,419 |
| Cost of funding earning assets | 0.5302% | 3,774 |
| Net interest margin | 3.9013% | 2,117 |
| Noninterest income to average assets | 1.4350% | 741 |
| Noninterest expense to average assets | 5.4569% | 274 |
| Loan and lease loss provision to assets | 0.5370% | 498 |
| Net operating income to assets | -1.2995% | 6,863 |
| Return on assets (ROA) | -1.2995% | 6,868 |
| Pretax return on assets | -1.2995% | 6,857 |
| Return on Equity (ROE) | -14.9985% | 6,865 |
| Retained earnings to average equity (ytd only) | -14.9985% | 6,742 |
| Net charge-offs to loans | 1.5933% | 329 |
| Credit loss provision to net charge-offs | 71.1744% | 2,275 |
| Earnings coverage of net charge-offs (x) | -1.0107% | 3,968 |
| Efficiency ratio | 116.0709% | 248 |
| Assets per employee ($millions) | 2.0286% | 6,831 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4524% | 1,172 |
| Loan loss allowance to noncurrent loans | 34.7054% | 5,839 |
| Noncurrent assets plus other real estate owned to assets | 5.8389% | 557 |
| Noncurrent loans to loans | 7.0663% | 414 |
| Net loans and leases to total assets | 46.4286% | 5,395 |
| Net loans and leases to deposits | 51.3722% | 5,676 |
| Net loans and leases to core deposits | 52.8800% | 5,757 |
| Total domestic deposits to total assets | 90.3768% | 833 |
| Equity capital to assets | 8.5964% | 5,921 |
| Core capital (leverage) ratio | 8.3352% | 5,781 |
| Tier 1 risk-based capital ratio | 14.0613% | 4,465 |
| Total risk-based capital ratio | 15.3204% | 4,414 |
| Memoranda: | ||
| Average total assets | $297,970,000 | 2,199 |
| Average earning assets | $248,942,000 | 2,386 |
| Average equity | $25,816,000 | 2,629 |
| Average total loans | $141,092,500 | 2,709 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1274% | 4,851 |
| Cost of funding earning assets | 0.7052% | 3,456 |
| Net interest margin | 3.4223% | 4,809 |
| Noninterest income to average assets | 1.4300% | 767 |
| Noninterest expense to average assets | 3.9494% | 1,041 |
| Loan and lease loss provision to assets | 2.0448% | 95 |
| Net operating income to assets | -1.6896% | 6,897 |
| Return on assets (ROA) | -1.4605% | 6,858 |
| Pretax return on assets | -1.4605% | 6,836 |
| Return on Equity (ROE) | -15.6117% | 6,831 |
| Retained earnings to average equity (ytd only) | -15.6117% | 6,782 |
| Net charge-offs to loans | 4.3579% | 54 |
| Credit loss provision to net charge-offs | 94.1262% | 3,309 |
| Earnings coverage of net charge-offs (x) | 0.1635% | 5,407 |
| Efficiency ratio | 91.5714% | 951 |
| Assets per employee ($millions) | 2.8016% | 6,314 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5627% | 1,056 |
| Loan loss allowance to noncurrent loans | 54.9499% | 4,879 |
| Noncurrent assets plus other real estate owned to assets | 4.8877% | 806 |
| Noncurrent loans to loans | 4.6636% | 895 |
| Net loans and leases to total assets | 45.9024% | 5,623 |
| Net loans and leases to deposits | 50.8682% | 5,901 |
| Net loans and leases to core deposits | 52.3622% | 5,994 |
| Total domestic deposits to total assets | 90.2379% | 829 |
| Equity capital to assets | 8.7307% | 5,819 |
| Core capital (leverage) ratio | 8.2531% | 5,939 |
| Tier 1 risk-based capital ratio | 14.8440% | 3,808 |
| Total risk-based capital ratio | 16.1050% | 3,756 |
| Memoranda: | ||
| Average total assets | $315,036,200 | 2,038 |
| Average earning assets | $264,619,200 | 2,198 |
| Average equity | $29,471,400 | 2,281 |
| Average total loans | $157,048,800 | 2,473 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1964% | 4,830 |
| Cost of funding earning assets | 0.7397% | 3,435 |
| Net interest margin | 3.4567% | 4,820 |
| Noninterest income to average assets | 0.9940% | 1,519 |
| Noninterest expense to average assets | 3.9081% | 1,054 |
| Loan and lease loss provision to assets | 1.9812% | 126 |
| Net operating income to assets | -1.9954% | 7,034 |
| Return on assets (ROA) | -1.6952% | 7,010 |
| Pretax return on assets | -1.6952% | 6,983 |
| Return on Equity (ROE) | -17.8412% | 6,963 |
| Retained earnings to average equity (ytd only) | -17.8412% | 6,943 |
| Net charge-offs to loans | 5.4390% | 29 |
| Credit loss provision to net charge-offs | 72.1376% | 3,849 |
| Earnings coverage of net charge-offs (x) | -0.0052% | 5,334 |
| Efficiency ratio | 100.1718% | 527 |
| Assets per employee ($millions) | 3.4699% | 5,038 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4868% | 4,011 |
| Loan loss allowance to noncurrent loans | 38.6693% | 5,706 |
| Noncurrent assets plus other real estate owned to assets | 4.1494% | 1,157 |
| Noncurrent loans to loans | 3.8450% | 1,365 |
| Net loans and leases to total assets | 47.0079% | 5,656 |
| Net loans and leases to deposits | 52.1274% | 5,969 |
| Net loans and leases to core deposits | 53.5539% | 6,079 |
| Total domestic deposits to total assets | 90.1790% | 746 |
| Equity capital to assets | 8.6805% | 6,119 |
| Core capital (leverage) ratio | 8.0179% | 6,313 |
| Tier 1 risk-based capital ratio | 15.7811% | 3,387 |
| Total risk-based capital ratio | 17.0324% | 3,350 |
| Memoranda: | ||
| Average total assets | $318,852,500 | 2,032 |
| Average earning assets | $267,491,250 | 2,203 |
| Average equity | $30,296,250 | 2,248 |
| Average total loans | $161,005,750 | 2,440 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2551% | 4,739 |
| Cost of funding earning assets | 0.7739% | 3,411 |
| Net interest margin | 3.4812% | 4,755 |
| Noninterest income to average assets | 1.6667% | 536 |
| Noninterest expense to average assets | 4.0689% | 867 |
| Loan and lease loss provision to assets | 0.2253% | 2,825 |
| Net operating income to assets | 0.2874% | 5,661 |
| Return on assets (ROA) | 0.7331% | 3,962 |
| Pretax return on assets | 0.7331% | 4,731 |
| Return on Equity (ROE) | 7.5081% | 3,511 |
| Retained earnings to average equity (ytd only) | 7.5081% | 1,864 |
| Net charge-offs to loans | 1.1295% | 957 |
| Credit loss provision to net charge-offs | 38.8235% | 4,295 |
| Earnings coverage of net charge-offs (x) | 0.8834% | 4,606 |
| Efficiency ratio | 88.6330% | 1,180 |
| Assets per employee ($millions) | 3.4802% | 5,026 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2021% | 1,762 |
| Loan loss allowance to noncurrent loans | 32.9103% | 6,024 |
| Noncurrent assets plus other real estate owned to assets | 6.9717% | 564 |
| Noncurrent loans to loans | 6.6913% | 604 |
| Net loans and leases to total assets | 47.8394% | 5,629 |
| Net loans and leases to deposits | 53.7912% | 5,891 |
| Net loans and leases to core deposits | 55.3893% | 5,990 |
| Total domestic deposits to total assets | 88.9354% | 1,549 |
| Equity capital to assets | 9.9625% | 4,396 |
| Core capital (leverage) ratio | 9.4596% | 4,199 |
| Tier 1 risk-based capital ratio | 16.0234% | 3,154 |
| Total risk-based capital ratio | 17.2806% | 3,122 |
| Memoranda: | ||
| Average total assets | $322,197,330 | 2,012 |
| Average earning assets | $269,792,670 | 2,189 |
| Average equity | $31,459,330 | 2,174 |
| Average total loans | $165,554,330 | 2,397 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3848% | 4,388 |
| Cost of funding earning assets | 0.8286% | 3,246 |
| Net interest margin | 3.5561% | 4,460 |
| Noninterest income to average assets | 1.8205% | 473 |
| Noninterest expense to average assets | 3.8923% | 1,073 |
| Loan and lease loss provision to assets | 0.4493% | 1,383 |
| Net operating income to assets | 0.4480% | 5,045 |
| Return on assets (ROA) | 0.6262% | 4,444 |
| Pretax return on assets | 0.6262% | 5,030 |
| Return on Equity (ROE) | 6.4789% | 4,052 |
| Retained earnings to average equity (ytd only) | 6.4789% | 2,702 |
| Net charge-offs to loans | 1.9057% | 503 |
| Credit loss provision to net charge-offs | 44.8148% | 3,364 |
| Earnings coverage of net charge-offs (x) | 0.8951% | 3,878 |
| Efficiency ratio | 81.0853% | 2,065 |
| Assets per employee ($millions) | 3.4514% | 5,229 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1268% | 2,031 |
| Loan loss allowance to noncurrent loans | 25.8144% | 6,348 |
| Noncurrent assets plus other real estate owned to assets | 7.0935% | 594 |
| Noncurrent loans to loans | 8.2388% | 458 |
| Net loans and leases to total assets | 50.1624% | 5,282 |
| Net loans and leases to deposits | 56.1346% | 5,583 |
| Net loans and leases to core deposits | 57.6635% | 5,742 |
| Total domestic deposits to total assets | 89.3610% | 1,448 |
| Equity capital to assets | 9.5977% | 4,656 |
| Core capital (leverage) ratio | 9.3129% | 4,340 |
| Tier 1 risk-based capital ratio | 15.1253% | 3,674 |
| Total risk-based capital ratio | 16.3822% | 3,632 |
| Memoranda: | ||
| Average total assets | $323,205,000 | 2,011 |
| Average earning assets | $269,843,500 | 2,202 |
| Average equity | $31,240,000 | 2,187 |
| Average total loans | $170,020,500 | 2,361 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3419% | 1,584 |
| Cost of funding earning assets | 1.0426% | 3,078 |
| Net interest margin | 4.2993% | 1,698 |
| Noninterest income to average assets | 1.0315% | 1,284 |
| Noninterest expense to average assets | 3.7481% | 1,448 |
| Loan and lease loss provision to assets | 0.4724% | 2,239 |
| Net operating income to assets | 0.1534% | 5,722 |
| Return on assets (ROA) | 0.2644% | 5,532 |
| Pretax return on assets | 0.4065% | 5,279 |
| Return on Equity (ROE) | 2.8816% | 5,335 |
| Retained earnings to average equity (ytd only) | 2.8816% | 4,196 |
| Net charge-offs to loans | 1.8050% | 814 |
| Credit loss provision to net charge-offs | 47.2634% | 5,486 |
| Earnings coverage of net charge-offs (x) | 0.7085% | 5,279 |
| Efficiency ratio | 83.8589% | 1,778 |
| Assets per employee ($millions) | 3.0628% | 5,970 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3379% | 1,561 |
| Loan loss allowance to noncurrent loans | 29.9538% | 6,205 |
| Noncurrent assets plus other real estate owned to assets | 7.4906% | 585 |
| Noncurrent loans to loans | 7.8049% | 529 |
| Net loans and leases to total assets | 52.7340% | 5,196 |
| Net loans and leases to deposits | 59.1783% | 5,578 |
| Net loans and leases to core deposits | 60.8280% | 5,767 |
| Total domestic deposits to total assets | 89.1103% | 1,473 |
| Equity capital to assets | 9.7356% | 4,540 |
| Core capital (leverage) ratio | 9.1849% | 4,487 |
| Tier 1 risk-based capital ratio | 15.3533% | 3,418 |
| Total risk-based capital ratio | 16.5683% | 3,396 |
| Memoranda: | ||
| Average total assets | $330,892,000 | 1,952 |
| Average earning assets | $263,578,600 | 2,216 |
| Average equity | $30,365,200 | 2,166 |
| Average total loans | $183,210,400 | 2,196 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0842% | 2,684 |
| Cost of funding earning assets | 1.0733% | 3,156 |
| Net interest margin | 4.0109% | 2,871 |
| Noninterest income to average assets | 1.0060% | 1,324 |
| Noninterest expense to average assets | 3.4939% | 1,958 |
| Loan and lease loss provision to assets | 0.6060% | 1,622 |
| Net operating income to assets | 0.0613% | 6,045 |
| Return on assets (ROA) | 0.2575% | 5,697 |
| Pretax return on assets | 0.2974% | 5,707 |
| Return on Equity (ROE) | 2.8473% | 5,483 |
| Retained earnings to average equity (ytd only) | 2.8473% | 4,648 |
| Net charge-offs to loans | 1.9353% | 670 |
| Credit loss provision to net charge-offs | 56.2222% | 4,891 |
| Earnings coverage of net charge-offs (x) | 0.6289% | 5,156 |
| Efficiency ratio | 83.5120% | 1,783 |
| Assets per employee ($millions) | 3.0897% | 5,922 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6592% | 1,182 |
| Loan loss allowance to noncurrent loans | 38.3900% | 5,725 |
| Noncurrent assets plus other real estate owned to assets | 7.3331% | 649 |
| Noncurrent loans to loans | 6.9267% | 719 |
| Net loans and leases to total assets | 52.2102% | 5,418 |
| Net loans and leases to deposits | 58.5220% | 5,792 |
| Net loans and leases to core deposits | 60.2243% | 5,974 |
| Total domestic deposits to total assets | 89.2147% | 1,297 |
| Equity capital to assets | 9.6341% | 4,883 |
| Core capital (leverage) ratio | 9.2379% | 4,559 |
| Tier 1 risk-based capital ratio | 15.5803% | 3,342 |
| Total risk-based capital ratio | 16.7690% | 3,342 |
| Memoranda: | ||
| Average total assets | $333,982,250 | 1,943 |
| Average earning assets | $263,610,000 | 2,223 |
| Average equity | $30,203,750 | 2,186 |
| Average total loans | $186,014,250 | 2,190 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0522% | 2,912 |
| Cost of funding earning assets | 1.0936% | 3,292 |
| Net interest margin | 3.9586% | 3,044 |
| Noninterest income to average assets | 0.8273% | 1,907 |
| Noninterest expense to average assets | 3.3927% | 2,281 |
| Loan and lease loss provision to assets | 0.7256% | 1,288 |
| Net operating income to assets | -0.2182% | 6,488 |
| Return on assets (ROA) | -0.2182% | 6,526 |
| Pretax return on assets | -0.1591% | 6,422 |
| Return on Equity (ROE) | -2.4639% | 6,551 |
| Retained earnings to average equity (ytd only) | -2.4639% | 6,310 |
| Net charge-offs to loans | 2.0570% | 643 |
| Credit loss provision to net charge-offs | 62.6020% | 4,283 |
| Earnings coverage of net charge-offs (x) | 0.4888% | 4,943 |
| Efficiency ratio | 85.4369% | 1,656 |
| Assets per employee ($millions) | 3.1262% | 5,816 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7961% | 1,082 |
| Loan loss allowance to noncurrent loans | 42.7128% | 5,475 |
| Noncurrent assets plus other real estate owned to assets | 7.2408% | 687 |
| Noncurrent loans to loans | 6.5462% | 842 |
| Net loans and leases to total assets | 53.2924% | 5,389 |
| Net loans and leases to deposits | 59.4431% | 5,783 |
| Net loans and leases to core deposits | 61.0351% | 5,997 |
| Total domestic deposits to total assets | 89.6528% | 1,149 |
| Equity capital to assets | 9.1899% | 5,297 |
| Core capital (leverage) ratio | 8.5293% | 5,507 |
| Tier 1 risk-based capital ratio | 14.2355% | 3,988 |
| Total risk-based capital ratio | 15.5009% | 3,952 |
| Memoranda: | ||
| Average total assets | $338,201,000 | 1,924 |
| Average earning assets | $267,568,000 | 2,200 |
| Average equity | $29,952,670 | 2,188 |
| Average total loans | $190,569,670 | 2,170 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9791% | 3,198 |
| Cost of funding earning assets | 1.1471% | 3,175 |
| Net interest margin | 3.8320% | 3,457 |
| Noninterest income to average assets | 1.0257% | 1,252 |
| Noninterest expense to average assets | 3.4851% | 2,046 |
| Loan and lease loss provision to assets | 1.2379% | 560 |
| Net operating income to assets | -0.6329% | 6,885 |
| Return on assets (ROA) | -0.6329% | 6,890 |
| Pretax return on assets | -0.6329% | 6,834 |
| Return on Equity (ROE) | -7.2774% | 6,926 |
| Retained earnings to average equity (ytd only) | -7.2774% | 6,696 |
| Net charge-offs to loans | 0.6678% | 1,872 |
| Credit loss provision to net charge-offs | 324.7706% | 1,008 |
| Earnings coverage of net charge-offs (x) | 1.5872% | 3,520 |
| Efficiency ratio | 84.9530% | 1,847 |
| Assets per employee ($millions) | 3.2240% | 5,659 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4926% | 605 |
| Loan loss allowance to noncurrent loans | 36.1674% | 5,887 |
| Noncurrent assets plus other real estate owned to assets | 8.5071% | 532 |
| Noncurrent loans to loans | 9.6567% | 430 |
| Net loans and leases to total assets | 52.0650% | 5,578 |
| Net loans and leases to deposits | 57.6213% | 5,963 |
| Net loans and leases to core deposits | 59.3741% | 6,152 |
| Total domestic deposits to total assets | 90.3572% | 928 |
| Equity capital to assets | 8.5738% | 5,809 |
| Core capital (leverage) ratio | 8.3462% | 5,719 |
| Tier 1 risk-based capital ratio | 14.2280% | 3,916 |
| Total risk-based capital ratio | 15.5025% | 3,868 |
| Memoranda: | ||
| Average total assets | $343,175,000 | 1,912 |
| Average earning assets | $274,427,000 | 2,166 |
| Average equity | $29,846,000 | 2,186 |
| Average total loans | $195,871,500 | 2,146 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2077% | 3,568 |
| Cost of funding earning assets | 1.4578% | 2,908 |
| Net interest margin | 3.7500% | 4,152 |
| Noninterest income to average assets | 2.7926% | 249 |
| Noninterest expense to average assets | 3.4985% | 2,184 |
| Loan and lease loss provision to assets | 2.8760% | 350 |
| Net operating income to assets | -0.3067% | 6,225 |
| Return on assets (ROA) | -0.3071% | 6,263 |
| Pretax return on assets | -0.4641% | 6,297 |
| Return on Equity (ROE) | -3.3902% | 6,311 |
| Retained earnings to average equity (ytd only) | -3.3902% | 6,143 |
| Net charge-offs to loans | 3.6265% | 386 |
| Credit loss provision to net charge-offs | 131.3435% | 3,010 |
| Earnings coverage of net charge-offs (x) | 1.1018% | 5,009 |
| Efficiency ratio | 57.6286% | 6,382 |
| Assets per employee ($millions) | 3.1905% | 5,695 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8035% | 1,050 |
| Loan loss allowance to noncurrent loans | 22.9453% | 6,698 |
| Noncurrent assets plus other real estate owned to assets | 11.9457% | 280 |
| Noncurrent loans to loans | 12.2183% | 277 |
| Net loans and leases to total assets | 58.5475% | 4,950 |
| Net loans and leases to deposits | 64.9972% | 5,514 |
| Net loans and leases to core deposits | 67.5802% | 5,698 |
| Total domestic deposits to total assets | 90.0770% | 1,048 |
| Equity capital to assets | 8.8216% | 5,400 |
| Core capital (leverage) ratio | 8.1790% | 5,861 |
| Tier 1 risk-based capital ratio | 13.7255% | 4,039 |
| Total risk-based capital ratio | 14.9865% | 4,011 |
| Memoranda: | ||
| Average total assets | $357,264,600 | 1,828 |
| Average earning assets | $297,096,800 | 2,001 |
| Average equity | $32,358,200 | 2,030 |
| Average total loans | $215,719,800 | 2,004 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1559% | 4,047 |
| Cost of funding earning assets | 1.4893% | 3,042 |
| Net interest margin | 3.6666% | 4,562 |
| Noninterest income to average assets | 3.3366% | 196 |
| Noninterest expense to average assets | 3.4219% | 2,229 |
| Loan and lease loss provision to assets | 2.9494% | 301 |
| Net operating income to assets | 0.0882% | 5,799 |
| Return on assets (ROA) | 0.0875% | 5,942 |
| Pretax return on assets | 0.0269% | 6,051 |
| Return on Equity (ROE) | 0.9599% | 5,902 |
| Retained earnings to average equity (ytd only) | 0.9599% | 5,421 |
| Net charge-offs to loans | 4.0224% | 301 |
| Credit loss provision to net charge-offs | 121.3700% | 3,392 |
| Earnings coverage of net charge-offs (x) | 1.2251% | 4,837 |
| Efficiency ratio | 51.6410% | 7,015 |
| Assets per employee ($millions) | 3.4132% | 5,175 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2091% | 1,791 |
| Loan loss allowance to noncurrent loans | 23.1566% | 6,747 |
| Noncurrent assets plus other real estate owned to assets | 9.7856% | 426 |
| Noncurrent loans to loans | 9.5397% | 467 |
| Net loans and leases to total assets | 57.7518% | 5,294 |
| Net loans and leases to deposits | 64.0790% | 5,904 |
| Net loans and leases to core deposits | 66.7624% | 6,059 |
| Total domestic deposits to total assets | 90.1260% | 819 |
| Equity capital to assets | 8.8196% | 5,828 |
| Core capital (leverage) ratio | 8.3017% | 5,869 |
| Tier 1 risk-based capital ratio | 13.9463% | 3,883 |
| Total risk-based capital ratio | 15.2075% | 3,832 |
| Memoranda: | ||
| Average total assets | $361,236,000 | 1,834 |
| Average earning assets | $301,704,250 | 2,002 |
| Average equity | $32,919,000 | 2,024 |
| Average total loans | $218,241,250 | 2,011 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2114% | 3,893 |
| Cost of funding earning assets | 1.5070% | 3,217 |
| Net interest margin | 3.7043% | 4,341 |
| Noninterest income to average assets | 4.9561% | 142 |
| Noninterest expense to average assets | 3.2289% | 2,801 |
| Loan and lease loss provision to assets | 2.2579% | 523 |
| Net operating income to assets | 1.6799% | 608 |
| Return on assets (ROA) | 1.6784% | 654 |
| Pretax return on assets | 2.5825% | 207 |
| Return on Equity (ROE) | 18.2225% | 443 |
| Retained earnings to average equity (ytd only) | 18.2225% | 123 |
| Net charge-offs to loans | 2.8576% | 573 |
| Credit loss provision to net charge-offs | 129.8089% | 3,100 |
| Earnings coverage of net charge-offs (x) | 2.7841% | 3,595 |
| Efficiency ratio | 38.5354% | 7,667 |
| Assets per employee ($millions) | 3.4568% | 5,020 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8919% | 2,436 |
| Loan loss allowance to noncurrent loans | 23.9299% | 6,743 |
| Noncurrent assets plus other real estate owned to assets | 8.5174% | 544 |
| Noncurrent loans to loans | 7.9061% | 662 |
| Net loans and leases to total assets | 59.0191% | 5,244 |
| Net loans and leases to deposits | 65.7568% | 5,834 |
| Net loans and leases to core deposits | 69.2336% | 5,948 |
| Total domestic deposits to total assets | 89.7536% | 1,046 |
| Equity capital to assets | 9.0820% | 5,321 |
| Core capital (leverage) ratio | 8.6632% | 5,140 |
| Tier 1 risk-based capital ratio | 14.0700% | 3,681 |
| Total risk-based capital ratio | 15.3268% | 3,637 |
| Memoranda: | ||
| Average total assets | $361,048,670 | 1,851 |
| Average earning assets | $303,643,330 | 2,005 |
| Average equity | $33,255,670 | 2,004 |
| Average total loans | $219,766,670 | 2,027 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9284% | 5,314 |
| Cost of funding earning assets | 1.4212% | 4,041 |
| Net interest margin | 3.5072% | 5,124 |
| Noninterest income to average assets | 9.2317% | 72 |
| Noninterest expense to average assets | 3.0385% | 3,531 |
| Loan and lease loss provision to assets | 0.6785% | 1,875 |
| Net operating income to assets | 5.3474% | 37 |
| Return on assets (ROA) | 5.3445% | 39 |
| Pretax return on assets | 8.4946% | 32 |
| Return on Equity (ROE) | 57.6001% | 19 |
| Retained earnings to average equity (ytd only) | 57.6001% | 14 |
| Net charge-offs to loans | 0.5374% | 2,456 |
| Credit loss provision to net charge-offs | 206.1644% | 1,814 |
| Earnings coverage of net charge-offs (x) | 27.8870% | 917 |
| Efficiency ratio | 23.9229% | 7,888 |
| Assets per employee ($millions) | 3.4323% | 5,201 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5163% | 3,830 |
| Loan loss allowance to noncurrent loans | 27.5074% | 6,565 |
| Noncurrent assets plus other real estate owned to assets | 6.4422% | 892 |
| Noncurrent loans to loans | 5.5123% | 1,268 |
| Net loans and leases to total assets | 59.6175% | 5,185 |
| Net loans and leases to deposits | 66.1838% | 5,801 |
| Net loans and leases to core deposits | 69.7013% | 5,945 |
| Total domestic deposits to total assets | 90.0788% | 948 |
| Equity capital to assets | 8.9696% | 5,324 |
| Core capital (leverage) ratio | 10.7572% | 2,410 |
| Tier 1 risk-based capital ratio | 12.6599% | 4,593 |
| Total risk-based capital ratio | 13.9114% | 4,560 |
| Memoranda: | ||
| Average total assets | $354,908,000 | 1,932 |
| Average earning assets | $302,004,500 | 2,069 |
| Average equity | $32,930,500 | 2,040 |
| Average total loans | $217,357,500 | 2,096 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5928% | 3,644 |
| Cost of funding earning assets | 1.8710% | 3,619 |
| Net interest margin | 3.7219% | 4,034 |
| Noninterest income to average assets | 1.2893% | 905 |
| Noninterest expense to average assets | 3.6915% | 1,929 |
| Loan and lease loss provision to assets | 1.0428% | 2,199 |
| Net operating income to assets | -0.0109% | 5,506 |
| Return on assets (ROA) | -0.0209% | 5,570 |
| Pretax return on assets | -0.1710% | 5,672 |
| Return on Equity (ROE) | -0.2145% | 5,572 |
| Retained earnings to average equity (ytd only) | -0.2145% | 4,993 |
| Net charge-offs to loans | 1.7451% | 1,433 |
| Credit loss provision to net charge-offs | 92.9839% | 5,896 |
| Earnings coverage of net charge-offs (x) | 0.7912% | 5,314 |
| Efficiency ratio | 76.9220% | 3,370 |
| Assets per employee ($millions) | 3.0893% | 6,012 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6922% | 2,916 |
| Loan loss allowance to noncurrent loans | 72.3362% | 3,793 |
| Noncurrent assets plus other real estate owned to assets | 2.3843% | 2,917 |
| Noncurrent loans to loans | 2.3394% | 3,247 |
| Net loans and leases to total assets | 61.0787% | 5,180 |
| Net loans and leases to deposits | 68.4818% | 5,774 |
| Net loans and leases to core deposits | 85.0634% | 5,611 |
| Total domestic deposits to total assets | 89.1896% | 1,395 |
| Equity capital to assets | 9.6657% | 4,194 |
| Core capital (leverage) ratio | 9.4988% | 3,725 |
| Tier 1 risk-based capital ratio | 13.2813% | 3,960 |
| Total risk-based capital ratio | 14.5336% | 3,901 |
| Memoranda: | ||
| Average total assets | $316,457,000 | 2,124 |
| Average earning assets | $279,697,400 | 2,186 |
| Average equity | $30,773,200 | 2,179 |
| Average total loans | $203,372,400 | 2,270 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7523% | 3,090 |
| Cost of funding earning assets | 1.9211% | 3,769 |
| Net interest margin | 3.8312% | 3,520 |
| Noninterest income to average assets | 1.2601% | 972 |
| Noninterest expense to average assets | 3.5496% | 2,146 |
| Loan and lease loss provision to assets | 0.8018% | 2,358 |
| Net operating income to assets | 0.2810% | 4,859 |
| Return on assets (ROA) | 0.2597% | 5,043 |
| Pretax return on assets | 0.2824% | 5,110 |
| Return on Equity (ROE) | 2.6664% | 4,930 |
| Retained earnings to average equity (ytd only) | 2.6664% | 3,837 |
| Net charge-offs to loans | 0.4625% | 3,376 |
| Credit loss provision to net charge-offs | 267.5562% | 1,584 |
| Earnings coverage of net charge-offs (x) | 3.6952% | 3,415 |
| Efficiency ratio | 72.4085% | 4,173 |
| Assets per employee ($millions) | 2.9899% | 6,183 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3456% | 1,241 |
| Loan loss allowance to noncurrent loans | 175.0736% | 1,678 |
| Noncurrent assets plus other real estate owned to assets | 2.0596% | 3,265 |
| Noncurrent loans to loans | 1.3398% | 4,696 |
| Net loans and leases to total assets | 63.0587% | 5,054 |
| Net loans and leases to deposits | 70.9460% | 5,798 |
| Net loans and leases to core deposits | 87.1930% | 5,730 |
| Total domestic deposits to total assets | 88.8827% | 1,248 |
| Equity capital to assets | 9.9225% | 4,188 |
| Core capital (leverage) ratio | 9.5708% | 3,822 |
| Tier 1 risk-based capital ratio | 13.4730% | 3,869 |
| Total risk-based capital ratio | 14.7335% | 3,795 |
| Memoranda: | ||
| Average total assets | $316,795,000 | 2,139 |
| Average earning assets | $280,878,500 | 2,191 |
| Average equity | $30,852,250 | 2,198 |
| Average total loans | $205,271,750 | 2,273 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7473% | 3,309 |
| Cost of funding earning assets | 1.9478% | 4,017 |
| Net interest margin | 3.7995% | 3,555 |
| Noninterest income to average assets | 1.3797% | 803 |
| Noninterest expense to average assets | 3.5116% | 2,304 |
| Loan and lease loss provision to assets | 0.8579% | 1,958 |
| Net operating income to assets | 0.3209% | 4,807 |
| Return on assets (ROA) | 0.2908% | 5,043 |
| Pretax return on assets | 0.3361% | 5,110 |
| Return on Equity (ROE) | 3.0046% | 4,899 |
| Retained earnings to average equity (ytd only) | 3.0046% | 3,647 |
| Net charge-offs to loans | 0.6161% | 2,492 |
| Credit loss provision to net charge-offs | 214.6457% | 2,143 |
| Earnings coverage of net charge-offs (x) | 3.0740% | 3,586 |
| Efficiency ratio | 70.3492% | 4,706 |
| Assets per employee ($millions) | 2.9150% | 6,340 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1209% | 1,354 |
| Loan loss allowance to noncurrent loans | 164.8098% | 1,803 |
| Noncurrent assets plus other real estate owned to assets | 2.3290% | 2,791 |
| Noncurrent loans to loans | 1.2869% | 4,626 |
| Net loans and leases to total assets | 61.1861% | 5,487 |
| Net loans and leases to deposits | 68.5557% | 6,131 |
| Net loans and leases to core deposits | 87.2255% | 5,791 |
| Total domestic deposits to total assets | 89.2502% | 1,144 |
| Equity capital to assets | 9.5018% | 4,611 |
| Core capital (leverage) ratio | 9.5574% | 3,801 |
| Tier 1 risk-based capital ratio | 12.8443% | 4,249 |
| Total risk-based capital ratio | 14.1012% | 4,160 |
| Memoranda: | ||
| Average total assets | $317,745,330 | 2,158 |
| Average earning assets | $281,035,330 | 2,217 |
| Average equity | $30,752,670 | 2,212 |
| Average total loans | $206,121,000 | 2,280 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7823% | 3,393 |
| Cost of funding earning assets | 1.9437% | 4,407 |
| Net interest margin | 3.8386% | 3,304 |
| Noninterest income to average assets | 1.3785% | 747 |
| Noninterest expense to average assets | 3.3808% | 2,415 |
| Loan and lease loss provision to assets | 0.5705% | 2,204 |
| Net operating income to assets | 0.6068% | 3,988 |
| Return on assets (ROA) | 0.6162% | 4,143 |
| Pretax return on assets | 0.8322% | 3,965 |
| Return on Equity (ROE) | 6.3076% | 3,897 |
| Retained earnings to average equity (ytd only) | 6.3076% | 2,497 |
| Net charge-offs to loans | 0.1077% | 4,110 |
| Credit loss provision to net charge-offs | 801.7857% | 743 |
| Earnings coverage of net charge-offs (x) | 19.5357% | 1,418 |
| Efficiency ratio | 67.1105% | 5,123 |
| Assets per employee ($millions) | 2.9251% | 6,357 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8861% | 1,655 |
| Loan loss allowance to noncurrent loans | 93.8761% | 3,219 |
| Noncurrent assets plus other real estate owned to assets | 2.4470% | 2,341 |
| Noncurrent loans to loans | 2.0091% | 3,251 |
| Net loans and leases to total assets | 64.5276% | 4,894 |
| Net loans and leases to deposits | 72.3813% | 5,696 |
| Net loans and leases to core deposits | 92.2869% | 5,321 |
| Total domestic deposits to total assets | 89.1496% | 1,171 |
| Equity capital to assets | 9.7191% | 4,354 |
| Core capital (leverage) ratio | 9.7092% | 3,745 |
| Tier 1 risk-based capital ratio | 12.6663% | 4,423 |
| Total risk-based capital ratio | 13.9213% | 4,334 |
| Memoranda: | ||
| Average total assets | $314,833,000 | 2,187 |
| Average earning assets | $278,230,000 | 2,249 |
| Average equity | $30,756,500 | 2,206 |
| Average total loans | $208,046,500 | 2,287 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5283% | 2,820 |
| Cost of funding earning assets | 2.4592% | 4,429 |
| Net interest margin | 4.0692% | 2,837 |
| Noninterest income to average assets | 1.3809% | 755 |
| Noninterest expense to average assets | 3.4588% | 2,500 |
| Loan and lease loss provision to assets | 0.5874% | 2,472 |
| Net operating income to assets | 0.7103% | 3,844 |
| Return on assets (ROA) | 0.5716% | 4,297 |
| Pretax return on assets | 0.7471% | 4,255 |
| Return on Equity (ROE) | 5.6877% | 4,078 |
| Retained earnings to average equity (ytd only) | -0.4489% | 5,423 |
| Net charge-offs to loans | 0.3351% | 3,160 |
| Credit loss provision to net charge-offs | 268.6747% | 1,718 |
| Earnings coverage of net charge-offs (x) | 6.9277% | 3,236 |
| Efficiency ratio | 65.8259% | 5,162 |
| Assets per employee ($millions) | 2.9323% | 6,215 |
| Cash dividends to net income (ytd only)* | 107.8917% | 837 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7258% | 1,834 |
| Loan loss allowance to noncurrent loans | 84.3277% | 3,985 |
| Noncurrent assets plus other real estate owned to assets | 2.5007% | 1,940 |
| Noncurrent loans to loans | 2.0465% | 2,703 |
| Net loans and leases to total assets | 65.2571% | 4,998 |
| Net loans and leases to deposits | 76.1721% | 5,571 |
| Net loans and leases to core deposits | 89.7950% | 5,818 |
| Total domestic deposits to total assets | 85.6706% | 2,549 |
| Equity capital to assets | 9.8205% | 4,262 |
| Core capital (leverage) ratio | 9.5542% | 3,938 |
| Tier 1 risk-based capital ratio | 12.4434% | 4,481 |
| Total risk-based capital ratio | 13.6960% | 4,382 |
| Memoranda: | ||
| Average total assets | $303,717,400 | 2,183 |
| Average earning assets | $268,138,200 | 2,239 |
| Average equity | $30,521,800 | 2,212 |
| Average total loans | $198,145,600 | 2,316 |