Home > Advantage Bank > Performance and Condition Ratios
Advantage 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 | 4.1465% | 3,555 |
| Cost of funding earning assets | 0.7826% | 1,305 |
| Net interest margin | 3.3638% | 4,424 |
| Noninterest income to average assets | 0.7016% | 2,536 |
| Noninterest expense to average assets | 3.4245% | 1,826 |
| Loan and lease loss provision to assets | -0.1454% | 6,538 |
| Net operating income to assets | 1.0859% | 1,976 |
| Return on assets (ROA) | 1.0929% | 2,030 |
| Pretax return on assets | 0.4778% | 5,268 |
| Return on Equity (ROE) | 12.3527% | 1,316 |
| Retained earnings to average equity (ytd only) | 12.3527% | 284 |
| Net charge-offs to loans | 0.4718% | 1,413 |
| Credit loss provision to net charge-offs | -40.1521% | 5,767 |
| Earnings coverage of net charge-offs (x) | 0.8990% | 4,786 |
| Efficiency ratio | 91.3212% | 922 |
| Assets per employee ($millions) | 3.9078% | 4,055 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3151% | 4,064 |
| Loan loss allowance to noncurrent loans | 62.0297% | 4,795 |
| Noncurrent assets plus other real estate owned to assets | 2.3828% | 1,456 |
| Noncurrent loans to loans | 2.1201% | 1,858 |
| Net loans and leases to total assets | 80.2624% | 571 |
| Net loans and leases to deposits | 102.3863% | 380 |
| Net loans and leases to core deposits | 104.1890% | 895 |
| Total domestic deposits to total assets | 78.3917% | 5,763 |
| Equity capital to assets | 9.3616% | 4,600 |
| Core capital (leverage) ratio | 9.1990% | 4,726 |
| Tier 1 risk-based capital ratio | 11.5941% | 5,860 |
| Total risk-based capital ratio | 12.8455% | 5,797 |
| Memoranda: | ||
| Average total assets | $762,941,200 | 877 |
| Average earning assets | $691,386,000 | 875 |
| Average equity | $67,499,200 | 1,062 |
| Average total loans | $585,468,800 | 714 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1353% | 3,620 |
| Cost of funding earning assets | 0.8105% | 1,272 |
| Net interest margin | 3.3248% | 4,549 |
| Noninterest income to average assets | 0.7848% | 2,229 |
| Noninterest expense to average assets | 3.4871% | 1,636 |
| Loan and lease loss provision to assets | -0.0893% | 6,615 |
| Net operating income to assets | 1.3620% | 1,201 |
| Return on assets (ROA) | 1.3727% | 1,213 |
| Pretax return on assets | 0.4035% | 5,613 |
| Return on Equity (ROE) | 15.7484% | 675 |
| Retained earnings to average equity (ytd only) | 15.7484% | 166 |
| Net charge-offs to loans | 0.4565% | 1,406 |
| Credit loss provision to net charge-offs | -25.8770% | 5,655 |
| Earnings coverage of net charge-offs (x) | 0.8800% | 4,556 |
| Efficiency ratio | 91.9913% | 856 |
| Assets per employee ($millions) | 3.6692% | 4,509 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6415% | 2,835 |
| Loan loss allowance to noncurrent loans | 65.0808% | 4,609 |
| Noncurrent assets plus other real estate owned to assets | 2.6980% | 1,396 |
| Noncurrent loans to loans | 2.5223% | 1,713 |
| Net loans and leases to total assets | 76.2959% | 969 |
| Net loans and leases to deposits | 94.5980% | 782 |
| Net loans and leases to core deposits | 96.2328% | 1,375 |
| Total domestic deposits to total assets | 80.6527% | 5,319 |
| Equity capital to assets | 9.2102% | 4,922 |
| Core capital (leverage) ratio | 8.8772% | 5,282 |
| Tier 1 risk-based capital ratio | 11.6594% | 5,972 |
| Total risk-based capital ratio | 12.9148% | 5,929 |
| Memoranda: | ||
| Average total assets | $760,240,250 | 887 |
| Average earning assets | $687,307,500 | 885 |
| Average equity | $66,265,250 | 1,097 |
| Average total loans | $574,510,500 | 729 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1132% | 3,686 |
| Cost of funding earning assets | 0.8247% | 1,285 |
| Net interest margin | 3.2884% | 4,629 |
| Noninterest income to average assets | 0.8176% | 2,117 |
| Noninterest expense to average assets | 3.4760% | 1,663 |
| Loan and lease loss provision to assets | 0.0263% | 4,391 |
| Net operating income to assets | 1.7907% | 532 |
| Return on assets (ROA) | 1.8068% | 549 |
| Pretax return on assets | 0.3085% | 5,857 |
| Return on Equity (ROE) | 21.1268% | 242 |
| Retained earnings to average equity (ytd only) | 21.1268% | 73 |
| Net charge-offs to loans | 0.5937% | 1,113 |
| Credit loss provision to net charge-offs | 5.9137% | 3,943 |
| Earnings coverage of net charge-offs (x) | 0.7167% | 4,283 |
| Efficiency ratio | 91.6002% | 924 |
| Assets per employee ($millions) | 3.6168% | 4,583 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8347% | 2,315 |
| Loan loss allowance to noncurrent loans | 67.2571% | 4,516 |
| Noncurrent assets plus other real estate owned to assets | 2.9916% | 1,356 |
| Noncurrent loans to loans | 2.7279% | 1,672 |
| Net loans and leases to total assets | 74.7168% | 1,143 |
| Net loans and leases to deposits | 91.5368% | 1,011 |
| Net loans and leases to core deposits | 92.8693% | 1,627 |
| Total domestic deposits to total assets | 81.6249% | 5,169 |
| Equity capital to assets | 9.0862% | 5,123 |
| Core capital (leverage) ratio | 8.7049% | 5,413 |
| Tier 1 risk-based capital ratio | 11.7105% | 5,987 |
| Total risk-based capital ratio | 12.9684% | 5,938 |
| Memoranda: | ||
| Average total assets | $760,481,330 | 884 |
| Average earning assets | $688,470,670 | 882 |
| Average equity | $65,036,000 | 1,110 |
| Average total loans | $569,630,330 | 734 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0849% | 3,785 |
| Cost of funding earning assets | 0.8285% | 1,376 |
| Net interest margin | 3.2564% | 4,704 |
| Noninterest income to average assets | 0.8495% | 1,929 |
| Noninterest expense to average assets | 3.3851% | 1,866 |
| Loan and lease loss provision to assets | 0.0524% | 3,746 |
| Net operating income to assets | 0.3410% | 5,395 |
| Return on assets (ROA) | 0.3708% | 5,389 |
| Pretax return on assets | 0.3996% | 5,560 |
| Return on Equity (ROE) | 4.4738% | 4,857 |
| Retained earnings to average equity (ytd only) | 4.4738% | 3,549 |
| Net charge-offs to loans | 0.5046% | 1,194 |
| Credit loss provision to net charge-offs | 13.9860% | 3,107 |
| Earnings coverage of net charge-offs (x) | 1.1203% | 3,458 |
| Efficiency ratio | 88.9609% | 1,236 |
| Assets per employee ($millions) | 3.5960% | 4,791 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0599% | 1,891 |
| Loan loss allowance to noncurrent loans | 61.8437% | 4,641 |
| Noncurrent assets plus other real estate owned to assets | 3.6457% | 1,143 |
| Noncurrent loans to loans | 3.3308% | 1,456 |
| Net loans and leases to total assets | 71.9240% | 1,364 |
| Net loans and leases to deposits | 86.9207% | 1,257 |
| Net loans and leases to core deposits | 88.2435% | 1,883 |
| Total domestic deposits to total assets | 82.7467% | 4,938 |
| Equity capital to assets | 8.3556% | 6,144 |
| Core capital (leverage) ratio | 8.3015% | 5,825 |
| Tier 1 risk-based capital ratio | 12.0808% | 5,866 |
| Total risk-based capital ratio | 13.3425% | 5,806 |
| Memoranda: | ||
| Average total assets | $762,765,000 | 890 |
| Average earning assets | $692,301,000 | 885 |
| Average equity | $63,212,000 | 1,174 |
| Average total loans | $566,770,000 | 740 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7101% | 2,553 |
| Cost of funding earning assets | 1.0535% | 1,106 |
| Net interest margin | 3.6566% | 3,845 |
| Noninterest income to average assets | 0.6972% | 2,743 |
| Noninterest expense to average assets | 3.3453% | 2,202 |
| Loan and lease loss provision to assets | 0.0188% | 5,670 |
| Net operating income to assets | 0.6465% | 4,010 |
| Return on assets (ROA) | 0.6628% | 4,183 |
| Pretax return on assets | 0.6576% | 4,801 |
| Return on Equity (ROE) | 9.7894% | 2,265 |
| Retained earnings to average equity (ytd only) | 9.7894% | 633 |
| Net charge-offs to loans | 0.4090% | 2,619 |
| Credit loss provision to net charge-offs | 5.6940% | 5,439 |
| Earnings coverage of net charge-offs (x) | 2.0012% | 4,413 |
| Efficiency ratio | 83.5206% | 1,685 |
| Assets per employee ($millions) | 3.6170% | 4,738 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1173% | 1,721 |
| Loan loss allowance to noncurrent loans | 61.9935% | 4,589 |
| Noncurrent assets plus other real estate owned to assets | 3.9538% | 1,088 |
| Noncurrent loans to loans | 3.4154% | 1,471 |
| Net loans and leases to total assets | 73.5800% | 1,252 |
| Net loans and leases to deposits | 88.8740% | 1,181 |
| Net loans and leases to core deposits | 90.1646% | 1,816 |
| Total domestic deposits to total assets | 82.7914% | 4,805 |
| Equity capital to assets | 8.2189% | 6,267 |
| Core capital (leverage) ratio | 8.1879% | 6,013 |
| Tier 1 risk-based capital ratio | 11.4163% | 6,156 |
| Total risk-based capital ratio | 12.6783% | 6,118 |
| Memoranda: | ||
| Average total assets | $766,757,400 | 869 |
| Average earning assets | $693,673,000 | 873 |
| Average equity | $51,913,200 | 1,369 |
| Average total loans | $618,339,800 | 670 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7515% | 2,570 |
| Cost of funding earning assets | 1.1086% | 1,033 |
| Net interest margin | 3.6429% | 4,040 |
| Noninterest income to average assets | 0.6947% | 2,735 |
| Noninterest expense to average assets | 3.3707% | 2,083 |
| Loan and lease loss provision to assets | 0.2777% | 2,347 |
| Net operating income to assets | 0.3531% | 5,420 |
| Return on assets (ROA) | 0.3531% | 5,629 |
| Pretax return on assets | 0.3396% | 5,872 |
| Return on Equity (ROE) | 5.5082% | 4,593 |
| Retained earnings to average equity (ytd only) | 5.5082% | 3,031 |
| Net charge-offs to loans | 0.3438% | 2,733 |
| Credit loss provision to net charge-offs | 98.5213% | 3,044 |
| Earnings coverage of net charge-offs (x) | 2.1898% | 4,166 |
| Efficiency ratio | 84.5216% | 1,532 |
| Assets per employee ($millions) | 3.5872% | 4,776 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4129% | 1,336 |
| Loan loss allowance to noncurrent loans | 63.6679% | 4,497 |
| Noncurrent assets plus other real estate owned to assets | 4.6027% | 997 |
| Noncurrent loans to loans | 3.7898% | 1,397 |
| Net loans and leases to total assets | 77.8897% | 748 |
| Net loans and leases to deposits | 92.4885% | 920 |
| Net loans and leases to core deposits | 94.3401% | 1,553 |
| Total domestic deposits to total assets | 84.2155% | 4,124 |
| Equity capital to assets | 6.6866% | 6,920 |
| Core capital (leverage) ratio | 6.5457% | 6,875 |
| Tier 1 risk-based capital ratio | 8.7090% | 6,964 |
| Total risk-based capital ratio | 9.9747% | 6,967 |
| Memoranda: | ||
| Average total assets | $767,649,750 | 871 |
| Average earning assets | $693,972,250 | 876 |
| Average equity | $49,210,000 | 1,448 |
| Average total loans | $629,499,500 | 660 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8027% | 2,497 |
| Cost of funding earning assets | 1.1665% | 959 |
| Net interest margin | 3.6362% | 4,099 |
| Noninterest income to average assets | 0.7625% | 2,362 |
| Noninterest expense to average assets | 3.4199% | 1,984 |
| Loan and lease loss provision to assets | 0.2957% | 2,215 |
| Net operating income to assets | 0.3428% | 5,456 |
| Return on assets (ROA) | 0.3428% | 5,678 |
| Pretax return on assets | 0.3361% | 5,871 |
| Return on Equity (ROE) | 5.4237% | 4,616 |
| Retained earnings to average equity (ytd only) | 5.4237% | 3,031 |
| Net charge-offs to loans | 0.4661% | 2,204 |
| Credit loss provision to net charge-offs | 76.6958% | 3,412 |
| Earnings coverage of net charge-offs (x) | 1.6387% | 4,171 |
| Efficiency ratio | 84.4070% | 1,592 |
| Assets per employee ($millions) | 3.5970% | 4,755 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2977% | 1,596 |
| Loan loss allowance to noncurrent loans | 59.9713% | 4,637 |
| Noncurrent assets plus other real estate owned to assets | 4.6492% | 1,046 |
| Noncurrent loans to loans | 3.8313% | 1,465 |
| Net loans and leases to total assets | 78.7286% | 651 |
| Net loans and leases to deposits | 94.0010% | 773 |
| Net loans and leases to core deposits | 95.8998% | 1,433 |
| Total domestic deposits to total assets | 83.7529% | 4,419 |
| Equity capital to assets | 6.4687% | 6,986 |
| Core capital (leverage) ratio | 6.3457% | 6,952 |
| Tier 1 risk-based capital ratio | 8.3602% | 7,022 |
| Total risk-based capital ratio | 9.6245% | 7,024 |
| Memoranda: | ||
| Average total assets | $772,427,330 | 862 |
| Average earning assets | $698,690,330 | 867 |
| Average equity | $48,823,000 | 1,449 |
| Average total loans | $638,911,330 | 652 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9504% | 2,064 |
| Cost of funding earning assets | 1.2184% | 902 |
| Net interest margin | 3.7320% | 3,685 |
| Noninterest income to average assets | 0.8087% | 2,123 |
| Noninterest expense to average assets | 3.3343% | 2,188 |
| Loan and lease loss provision to assets | 0.5183% | 1,164 |
| Net operating income to assets | 0.3146% | 5,610 |
| Return on assets (ROA) | 0.3146% | 5,770 |
| Pretax return on assets | 0.3337% | 5,900 |
| Return on Equity (ROE) | 5.0357% | 4,772 |
| Retained earnings to average equity (ytd only) | 5.0357% | 3,540 |
| Net charge-offs to loans | 0.3589% | 2,226 |
| Credit loss provision to net charge-offs | 172.3842% | 1,483 |
| Earnings coverage of net charge-offs (x) | 2.8336% | 3,050 |
| Efficiency ratio | 79.6477% | 2,247 |
| Assets per employee ($millions) | 3.7569% | 4,522 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3486% | 1,590 |
| Loan loss allowance to noncurrent loans | 60.2474% | 4,513 |
| Noncurrent assets plus other real estate owned to assets | 4.7668% | 1,105 |
| Noncurrent loans to loans | 3.8983% | 1,582 |
| Net loans and leases to total assets | 79.1847% | 478 |
| Net loans and leases to deposits | 94.8581% | 612 |
| Net loans and leases to core deposits | 96.6963% | 1,234 |
| Total domestic deposits to total assets | 83.4770% | 4,722 |
| Equity capital to assets | 6.2052% | 7,051 |
| Core capital (leverage) ratio | 6.2552% | 7,004 |
| Tier 1 risk-based capital ratio | 8.0435% | 7,090 |
| Total risk-based capital ratio | 9.3086% | 7,090 |
| Memoranda: | ||
| Average total assets | $775,563,500 | 857 |
| Average earning assets | $701,923,000 | 863 |
| Average equity | $48,454,500 | 1,453 |
| Average total loans | $649,683,000 | 640 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1965% | 2,073 |
| Cost of funding earning assets | 1.4170% | 964 |
| Net interest margin | 3.7795% | 3,928 |
| Noninterest income to average assets | 0.2647% | 5,633 |
| Noninterest expense to average assets | 3.3033% | 2,513 |
| Loan and lease loss provision to assets | 0.2901% | 3,345 |
| Net operating income to assets | 0.0560% | 5,955 |
| Return on assets (ROA) | 0.1714% | 5,815 |
| Pretax return on assets | 0.2399% | 5,691 |
| Return on Equity (ROE) | 2.8317% | 5,350 |
| Retained earnings to average equity (ytd only) | 2.8317% | 4,222 |
| Net charge-offs to loans | 0.6902% | 2,427 |
| Credit loss provision to net charge-offs | 49.3611% | 5,437 |
| Earnings coverage of net charge-offs (x) | 0.6253% | 5,356 |
| Efficiency ratio | 89.9875% | 1,196 |
| Assets per employee ($millions) | 3.6300% | 4,705 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1930% | 1,807 |
| Loan loss allowance to noncurrent loans | 58.3193% | 4,597 |
| Noncurrent assets plus other real estate owned to assets | 4.6749% | 1,170 |
| Noncurrent loans to loans | 3.7603% | 1,670 |
| Net loans and leases to total assets | 84.6193% | 182 |
| Net loans and leases to deposits | 102.1941% | 365 |
| Net loans and leases to core deposits | 103.6349% | 921 |
| Total domestic deposits to total assets | 82.8025% | 4,834 |
| Equity capital to assets | 6.2912% | 7,061 |
| Core capital (leverage) ratio | 6.2850% | 7,015 |
| Tier 1 risk-based capital ratio | 7.8781% | 7,114 |
| Total risk-based capital ratio | 9.1423% | 7,114 |
| Memoranda: | ||
| Average total assets | $785,484,200 | 837 |
| Average earning assets | $707,894,600 | 843 |
| Average equity | $47,533,600 | 1,429 |
| Average total loans | $668,973,400 | 615 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2430% | 2,055 |
| Cost of funding earning assets | 1.4615% | 985 |
| Net interest margin | 3.7815% | 3,958 |
| Noninterest income to average assets | 0.3812% | 4,801 |
| Noninterest expense to average assets | 3.3512% | 2,347 |
| Loan and lease loss provision to assets | 0.5125% | 1,932 |
| Net operating income to assets | -0.0910% | 6,273 |
| Return on assets (ROA) | 0.0467% | 6,179 |
| Pretax return on assets | 0.1373% | 6,033 |
| Return on Equity (ROE) | 0.7796% | 6,108 |
| Retained earnings to average equity (ytd only) | 0.7796% | 5,701 |
| Net charge-offs to loans | 0.4559% | 2,911 |
| Credit loss provision to net charge-offs | 132.4902% | 2,404 |
| Earnings coverage of net charge-offs (x) | 1.1234% | 4,785 |
| Efficiency ratio | 88.5215% | 1,292 |
| Assets per employee ($millions) | 3.7314% | 4,456 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6537% | 1,195 |
| Loan loss allowance to noncurrent loans | 67.8805% | 4,056 |
| Noncurrent assets plus other real estate owned to assets | 4.8722% | 1,191 |
| Noncurrent loans to loans | 3.9093% | 1,705 |
| Net loans and leases to total assets | 81.6856% | 384 |
| Net loans and leases to deposits | 102.7444% | 362 |
| Net loans and leases to core deposits | 104.0924% | 974 |
| Total domestic deposits to total assets | 79.5037% | 5,865 |
| Equity capital to assets | 5.9565% | 7,191 |
| Core capital (leverage) ratio | 6.1269% | 7,118 |
| Tier 1 risk-based capital ratio | 7.5577% | 7,215 |
| Total risk-based capital ratio | 8.8275% | 7,218 |
| Memoranda: | ||
| Average total assets | $790,373,750 | 835 |
| Average earning assets | $711,591,750 | 842 |
| Average equity | $47,370,500 | 1,442 |
| Average total loans | $670,553,500 | 621 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3315% | 1,782 |
| Cost of funding earning assets | 1.5397% | 862 |
| Net interest margin | 3.7919% | 3,819 |
| Noninterest income to average assets | 0.4371% | 4,367 |
| Noninterest expense to average assets | 3.3637% | 2,359 |
| Loan and lease loss provision to assets | 0.7113% | 1,325 |
| Net operating income to assets | -0.2505% | 6,516 |
| Return on assets (ROA) | -0.0438% | 6,346 |
| Pretax return on assets | 0.0919% | 6,114 |
| Return on Equity (ROE) | -0.7291% | 6,375 |
| Retained earnings to average equity (ytd only) | -0.7291% | 6,002 |
| Net charge-offs to loans | 0.3951% | 2,975 |
| Credit loss provision to net charge-offs | 211.4372% | 1,426 |
| Earnings coverage of net charge-offs (x) | 1.4274% | 4,217 |
| Efficiency ratio | 87.5082% | 1,458 |
| Assets per employee ($millions) | 3.6379% | 4,591 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7681% | 1,108 |
| Loan loss allowance to noncurrent loans | 70.3940% | 3,928 |
| Noncurrent assets plus other real estate owned to assets | 5.2731% | 1,151 |
| Noncurrent loans to loans | 3.9324% | 1,762 |
| Net loans and leases to total assets | 84.3731% | 223 |
| Net loans and leases to deposits | 101.7050% | 415 |
| Net loans and leases to core deposits | 104.1572% | 1,034 |
| Total domestic deposits to total assets | 82.9587% | 4,771 |
| Equity capital to assets | 6.1092% | 7,228 |
| Core capital (leverage) ratio | 5.9380% | 7,208 |
| Tier 1 risk-based capital ratio | 7.6085% | 7,276 |
| Total risk-based capital ratio | 8.8805% | 7,280 |
| Memoranda: | ||
| Average total assets | $790,143,330 | 847 |
| Average earning assets | $709,890,330 | 859 |
| Average equity | $47,454,000 | 1,427 |
| Average total loans | $672,804,330 | 627 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3972% | 1,567 |
| Cost of funding earning assets | 1.6143% | 778 |
| Net interest margin | 3.7829% | 3,691 |
| Noninterest income to average assets | 0.5966% | 3,193 |
| Noninterest expense to average assets | 3.3579% | 2,387 |
| Loan and lease loss provision to assets | 0.5045% | 1,724 |
| Net operating income to assets | 0.0817% | 6,141 |
| Return on assets (ROA) | 0.4890% | 4,612 |
| Pretax return on assets | 0.7619% | 4,051 |
| Return on Equity (ROE) | 8.2098% | 2,827 |
| Retained earnings to average equity (ytd only) | 8.2098% | 1,662 |
| Net charge-offs to loans | 0.2792% | 2,950 |
| Credit loss provision to net charge-offs | 214.1649% | 1,406 |
| Earnings coverage of net charge-offs (x) | 2.6744% | 3,007 |
| Efficiency ratio | 84.2033% | 1,932 |
| Assets per employee ($millions) | 3.4942% | 5,009 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6078% | 1,303 |
| Loan loss allowance to noncurrent loans | 53.7960% | 4,783 |
| Noncurrent assets plus other real estate owned to assets | 5.4035% | 1,134 |
| Noncurrent loans to loans | 4.8476% | 1,405 |
| Net loans and leases to total assets | 82.3358% | 318 |
| Net loans and leases to deposits | 98.6106% | 540 |
| Net loans and leases to core deposits | 102.0789% | 1,200 |
| Total domestic deposits to total assets | 83.4959% | 4,703 |
| Equity capital to assets | 6.0535% | 7,280 |
| Core capital (leverage) ratio | 5.8232% | 7,277 |
| Tier 1 risk-based capital ratio | 7.5244% | 7,326 |
| Total risk-based capital ratio | 8.7930% | 7,329 |
| Memoranda: | ||
| Average total assets | $803,231,500 | 840 |
| Average earning assets | $720,081,000 | 851 |
| Average equity | $47,845,000 | 1,396 |
| Average total loans | $677,739,500 | 635 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5768% | 1,986 |
| Cost of funding earning assets | 1.9069% | 822 |
| Net interest margin | 3.6699% | 4,491 |
| Noninterest income to average assets | 0.5110% | 4,089 |
| Noninterest expense to average assets | 3.1168% | 3,396 |
| Loan and lease loss provision to assets | 2.2002% | 557 |
| Net operating income to assets | -1.5451% | 6,920 |
| Return on assets (ROA) | -1.5451% | 6,944 |
| Pretax return on assets | -1.5739% | 6,884 |
| Return on Equity (ROE) | -23.6149% | 7,103 |
| Retained earnings to average equity (ytd only) | -23.6149% | 7,081 |
| Net charge-offs to loans | 2.5491% | 734 |
| Credit loss provision to net charge-offs | 104.3586% | 4,305 |
| Earnings coverage of net charge-offs (x) | 0.2971% | 5,811 |
| Efficiency ratio | 83.2670% | 2,022 |
| Assets per employee ($millions) | 3.5512% | 4,822 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4525% | 1,476 |
| Loan loss allowance to noncurrent loans | 49.9423% | 5,002 |
| Noncurrent assets plus other real estate owned to assets | 5.3718% | 1,156 |
| Noncurrent loans to loans | 4.9107% | 1,388 |
| Net loans and leases to total assets | 82.1527% | 440 |
| Net loans and leases to deposits | 101.6168% | 500 |
| Net loans and leases to core deposits | 105.2052% | 1,243 |
| Total domestic deposits to total assets | 80.8456% | 5,573 |
| Equity capital to assets | 5.8629% | 7,361 |
| Core capital (leverage) ratio | 5.6108% | 7,352 |
| Tier 1 risk-based capital ratio | 7.1619% | 7,407 |
| Total risk-based capital ratio | 8.4286% | 7,411 |
| Memoranda: | ||
| Average total assets | $838,998,200 | 806 |
| Average earning assets | $738,935,600 | 831 |
| Average equity | $54,893,400 | 1,217 |
| Average total loans | $693,927,600 | 633 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5400% | 2,290 |
| Cost of funding earning assets | 1.9671% | 837 |
| Net interest margin | 3.5729% | 5,000 |
| Noninterest income to average assets | 0.5098% | 4,099 |
| Noninterest expense to average assets | 3.1427% | 3,133 |
| Loan and lease loss provision to assets | 2.7665% | 345 |
| Net operating income to assets | -2.2080% | 7,284 |
| Return on assets (ROA) | -2.2080% | 7,301 |
| Pretax return on assets | -2.2558% | 7,262 |
| Return on Equity (ROE) | -32.9198% | 7,429 |
| Retained earnings to average equity (ytd only) | -32.9198% | 7,422 |
| Net charge-offs to loans | 3.2148% | 452 |
| Credit loss provision to net charge-offs | 104.5086% | 4,102 |
| Earnings coverage of net charge-offs (x) | 0.1929% | 5,821 |
| Efficiency ratio | 86.0211% | 1,629 |
| Assets per employee ($millions) | 3.7158% | 4,473 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3849% | 1,494 |
| Loan loss allowance to noncurrent loans | 49.5604% | 4,984 |
| Noncurrent assets plus other real estate owned to assets | 5.2602% | 1,190 |
| Noncurrent loans to loans | 4.8122% | 1,463 |
| Net loans and leases to total assets | 81.4290% | 569 |
| Net loans and leases to deposits | 105.7675% | 372 |
| Net loans and leases to core deposits | 110.2321% | 1,023 |
| Total domestic deposits to total assets | 76.9886% | 6,480 |
| Equity capital to assets | 5.5454% | 7,529 |
| Core capital (leverage) ratio | 5.3716% | 7,511 |
| Tier 1 risk-based capital ratio | 6.8731% | 7,556 |
| Total risk-based capital ratio | 8.1391% | 7,562 |
| Memoranda: | ||
| Average total assets | $844,555,250 | 798 |
| Average earning assets | $743,088,000 | 824 |
| Average equity | $56,645,250 | 1,175 |
| Average total loans | $695,442,250 | 628 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5358% | 2,382 |
| Cost of funding earning assets | 2.0289% | 828 |
| Net interest margin | 3.5069% | 5,217 |
| Noninterest income to average assets | 0.5903% | 3,412 |
| Noninterest expense to average assets | 3.0510% | 3,521 |
| Loan and lease loss provision to assets | 1.4501% | 919 |
| Net operating income to assets | -0.8544% | 6,885 |
| Return on assets (ROA) | -0.8544% | 6,899 |
| Pretax return on assets | -0.8347% | 6,802 |
| Return on Equity (ROE) | -12.0401% | 7,043 |
| Retained earnings to average equity (ytd only) | -12.0401% | 7,001 |
| Net charge-offs to loans | 1.8910% | 980 |
| Credit loss provision to net charge-offs | 93.5321% | 4,311 |
| Earnings coverage of net charge-offs (x) | 0.3969% | 5,337 |
| Efficiency ratio | 83.2148% | 2,016 |
| Assets per employee ($millions) | 3.5967% | 4,707 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2555% | 1,659 |
| Loan loss allowance to noncurrent loans | 36.7610% | 5,909 |
| Noncurrent assets plus other real estate owned to assets | 6.3532% | 899 |
| Noncurrent loans to loans | 6.1355% | 1,030 |
| Net loans and leases to total assets | 81.0643% | 662 |
| Net loans and leases to deposits | 103.5061% | 512 |
| Net loans and leases to core deposits | 109.3261% | 1,210 |
| Total domestic deposits to total assets | 78.3184% | 6,197 |
| Equity capital to assets | 6.8563% | 7,398 |
| Core capital (leverage) ratio | 6.5602% | 7,366 |
| Tier 1 risk-based capital ratio | 8.5458% | 7,482 |
| Total risk-based capital ratio | 9.8100% | 7,492 |
| Memoranda: | ||
| Average total assets | $843,671,000 | 803 |
| Average earning assets | $740,016,670 | 832 |
| Average equity | $59,866,670 | 1,108 |
| Average total loans | $691,680,330 | 635 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5396% | 2,405 |
| Cost of funding earning assets | 2.0795% | 862 |
| Net interest margin | 3.4601% | 5,335 |
| Noninterest income to average assets | 0.6356% | 3,037 |
| Noninterest expense to average assets | 3.0389% | 3,528 |
| Loan and lease loss provision to assets | 0.4272% | 2,822 |
| Net operating income to assets | 0.1526% | 5,845 |
| Return on assets (ROA) | 0.1526% | 5,973 |
| Pretax return on assets | 0.2013% | 5,875 |
| Return on Equity (ROE) | 2.1156% | 5,720 |
| Retained earnings to average equity (ytd only) | 2.1156% | 4,866 |
| Net charge-offs to loans | 0.6852% | 2,120 |
| Credit loss provision to net charge-offs | 76.4805% | 3,962 |
| Earnings coverage of net charge-offs (x) | 1.1252% | 4,096 |
| Efficiency ratio | 82.8630% | 2,155 |
| Assets per employee ($millions) | 3.7075% | 4,558 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2506% | 1,661 |
| Loan loss allowance to noncurrent loans | 36.5221% | 5,939 |
| Noncurrent assets plus other real estate owned to assets | 6.3240% | 919 |
| Noncurrent loans to loans | 6.1622% | 1,057 |
| Net loans and leases to total assets | 80.9352% | 724 |
| Net loans and leases to deposits | 105.1994% | 467 |
| Net loans and leases to core deposits | 111.1833% | 1,205 |
| Total domestic deposits to total assets | 76.9351% | 6,572 |
| Equity capital to assets | 7.2163% | 7,274 |
| Core capital (leverage) ratio | 6.9530% | 7,280 |
| Tier 1 risk-based capital ratio | 9.1440% | 7,445 |
| Total risk-based capital ratio | 10.4085% | 7,450 |
| Memoranda: | ||
| Average total assets | $846,488,000 | 813 |
| Average earning assets | $741,710,500 | 849 |
| Average equity | $61,071,000 | 1,093 |
| Average total loans | $690,008,000 | 655 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4721% | 4,312 |
| Cost of funding earning assets | 2.4540% | 1,136 |
| Net interest margin | 3.0181% | 6,600 |
| Noninterest income to average assets | 0.6562% | 3,249 |
| Noninterest expense to average assets | 2.7695% | 5,092 |
| Loan and lease loss provision to assets | 2.3490% | 864 |
| Net operating income to assets | -1.1378% | 6,674 |
| Return on assets (ROA) | -1.1378% | 6,678 |
| Pretax return on assets | -1.7776% | 6,848 |
| Return on Equity (ROE) | -15.1242% | 6,944 |
| Retained earnings to average equity (ytd only) | -15.1242% | 6,894 |
| Net charge-offs to loans | 2.9621% | 724 |
| Credit loss provision to net charge-offs | 101.6418% | 5,438 |
| Earnings coverage of net charge-offs (x) | 0.2472% | 5,875 |
| Efficiency ratio | 82.8967% | 2,488 |
| Assets per employee ($millions) | 3.7846% | 4,309 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3778% | 1,376 |
| Loan loss allowance to noncurrent loans | 44.1686% | 5,462 |
| Noncurrent assets plus other real estate owned to assets | 5.4634% | 1,076 |
| Noncurrent loans to loans | 5.3836% | 1,214 |
| Net loans and leases to total assets | 78.3145% | 1,317 |
| Net loans and leases to deposits | 99.3919% | 955 |
| Net loans and leases to core deposits | 117.8583% | 2,147 |
| Total domestic deposits to total assets | 78.7936% | 6,033 |
| Equity capital to assets | 7.2129% | 7,251 |
| Core capital (leverage) ratio | 6.8234% | 7,355 |
| Tier 1 risk-based capital ratio | 9.4513% | 7,260 |
| Total risk-based capital ratio | 10.7174% | 7,224 |
| Memoranda: | ||
| Average total assets | $927,699,200 | 728 |
| Average earning assets | $825,218,400 | 740 |
| Average equity | $69,788,600 | 935 |
| Average total loans | $723,806,000 | 637 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4190% | 4,851 |
| Cost of funding earning assets | 2.5089% | 1,269 |
| Net interest margin | 2.9102% | 6,835 |
| Noninterest income to average assets | 0.6070% | 3,641 |
| Noninterest expense to average assets | 2.7265% | 5,208 |
| Loan and lease loss provision to assets | 0.2638% | 4,851 |
| Net operating income to assets | 0.1571% | 5,298 |
| Return on assets (ROA) | 0.1571% | 5,354 |
| Pretax return on assets | 0.2157% | 5,262 |
| Return on Equity (ROE) | 2.0698% | 5,141 |
| Retained earnings to average equity (ytd only) | 2.0698% | 4,167 |
| Net charge-offs to loans | 0.9280% | 2,112 |
| Credit loss provision to net charge-offs | 36.6673% | 6,458 |
| Earnings coverage of net charge-offs (x) | 0.6665% | 5,365 |
| Efficiency ratio | 85.0423% | 2,179 |
| Assets per employee ($millions) | 3.8512% | 4,075 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7835% | 2,331 |
| Loan loss allowance to noncurrent loans | 23.9390% | 6,846 |
| Noncurrent assets plus other real estate owned to assets | 6.8764% | 701 |
| Noncurrent loans to loans | 7.4502% | 692 |
| Net loans and leases to total assets | 77.4090% | 1,692 |
| Net loans and leases to deposits | 102.0782% | 913 |
| Net loans and leases to core deposits | 120.6483% | 2,192 |
| Total domestic deposits to total assets | 75.8331% | 6,612 |
| Equity capital to assets | 8.1860% | 6,656 |
| Core capital (leverage) ratio | 7.7938% | 6,613 |
| Tier 1 risk-based capital ratio | 11.7463% | 5,205 |
| Total risk-based capital ratio | 13.0064% | 5,141 |
| Memoranda: | ||
| Average total assets | $948,634,250 | 718 |
| Average earning assets | $847,218,000 | 728 |
| Average equity | $72,017,250 | 925 |
| Average total loans | $735,497,250 | 644 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3933% | 5,185 |
| Cost of funding earning assets | 2.5906% | 1,313 |
| Net interest margin | 2.8027% | 7,005 |
| Noninterest income to average assets | 0.6409% | 3,410 |
| Noninterest expense to average assets | 2.6269% | 5,632 |
| Loan and lease loss provision to assets | 0.2970% | 4,188 |
| Net operating income to assets | 0.1109% | 5,532 |
| Return on assets (ROA) | 0.1109% | 5,631 |
| Pretax return on assets | 0.2243% | 5,398 |
| Return on Equity (ROE) | 1.4969% | 5,459 |
| Retained earnings to average equity (ytd only) | 1.4969% | 4,492 |
| Net charge-offs to loans | 0.4603% | 2,986 |
| Credit loss provision to net charge-offs | 83.6533% | 5,096 |
| Earnings coverage of net charge-offs (x) | 1.4683% | 4,431 |
| Efficiency ratio | 83.4405% | 2,550 |
| Assets per employee ($millions) | 4.0934% | 3,509 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1498% | 1,318 |
| Loan loss allowance to noncurrent loans | 26.6256% | 6,729 |
| Noncurrent assets plus other real estate owned to assets | 6.8030% | 648 |
| Noncurrent loans to loans | 8.0742% | 550 |
| Net loans and leases to total assets | 74.7694% | 2,503 |
| Net loans and leases to deposits | 98.2786% | 1,485 |
| Net loans and leases to core deposits | 115.0885% | 2,801 |
| Total domestic deposits to total assets | 76.0790% | 6,526 |
| Equity capital to assets | 7.6381% | 7,142 |
| Core capital (leverage) ratio | 7.3800% | 7,151 |
| Tier 1 risk-based capital ratio | 11.3759% | 5,525 |
| Total risk-based capital ratio | 12.6413% | 5,413 |
| Memoranda: | ||
| Average total assets | $968,305,330 | 720 |
| Average earning assets | $866,223,330 | 730 |
| Average equity | $71,748,330 | 938 |
| Average total loans | $746,945,670 | 651 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4645% | 5,094 |
| Cost of funding earning assets | 2.7160% | 1,224 |
| Net interest margin | 2.7484% | 7,093 |
| Noninterest income to average assets | 0.6446% | 3,231 |
| Noninterest expense to average assets | 2.6875% | 5,068 |
| Loan and lease loss provision to assets | 0.2640% | 3,847 |
| Net operating income to assets | 0.1503% | 5,818 |
| Return on assets (ROA) | 0.1503% | 5,986 |
| Pretax return on assets | 0.1487% | 6,054 |
| Return on Equity (ROE) | 2.0595% | 5,752 |
| Retained earnings to average equity (ytd only) | 2.0595% | 4,714 |
| Net charge-offs to loans | 0.2813% | 2,989 |
| Credit loss provision to net charge-offs | 121.1215% | 3,252 |
| Earnings coverage of net charge-offs (x) | 1.8935% | 3,772 |
| Efficiency ratio | 86.6868% | 1,997 |
| Assets per employee ($millions) | 4.2507% | 3,166 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1277% | 1,185 |
| Loan loss allowance to noncurrent loans | 27.3439% | 6,739 |
| Noncurrent assets plus other real estate owned to assets | 6.6372% | 542 |
| Noncurrent loans to loans | 7.7814% | 470 |
| Net loans and leases to total assets | 75.6055% | 2,362 |
| Net loans and leases to deposits | 100.6122% | 1,327 |
| Net loans and leases to core deposits | 117.9496% | 2,602 |
| Total domestic deposits to total assets | 75.1455% | 6,681 |
| Equity capital to assets | 7.4577% | 7,384 |
| Core capital (leverage) ratio | 7.1878% | 7,490 |
| Tier 1 risk-based capital ratio | 10.9238% | 5,967 |
| Total risk-based capital ratio | 12.1888% | 5,863 |
| Memoranda: | ||
| Average total assets | $981,712,000 | 707 |
| Average earning assets | $877,158,000 | 725 |
| Average equity | $71,666,500 | 938 |
| Average total loans | $760,711,500 | 643 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2879% | 4,033 |
| Cost of funding earning assets | 3.3663% | 768 |
| Net interest margin | 2.9216% | 7,103 |
| Noninterest income to average assets | 0.1266% | 7,483 |
| Noninterest expense to average assets | 3.1121% | 3,648 |
| Loan and lease loss provision to assets | 1.4501% | 941 |
| Net operating income to assets | -1.3889% | 7,423 |
| Return on assets (ROA) | -1.3888% | 7,368 |
| Pretax return on assets | -1.8294% | 7,383 |
| Return on Equity (ROE) | -16.9219% | 7,663 |
| Retained earnings to average equity (ytd only) | -19.3107% | 7,662 |
| Net charge-offs to loans | 0.7090% | 1,742 |
| Credit loss provision to net charge-offs | 260.9455% | 1,775 |
| Earnings coverage of net charge-offs (x) | -0.6830% | 6,535 |
| Efficiency ratio | 89.9164% | 1,521 |
| Assets per employee ($millions) | 3.9157% | 3,690 |
| Cash dividends to net income (ytd only)* | -14.1163% | 7,895 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0292% | 1,169 |
| Loan loss allowance to noncurrent loans | 29.4182% | 6,737 |
| Noncurrent assets plus other real estate owned to assets | 5.9458% | 510 |
| Noncurrent loans to loans | 6.8976% | 444 |
| Net loans and leases to total assets | 76.1422% | 2,581 |
| Net loans and leases to deposits | 104.0588% | 1,337 |
| Net loans and leases to core deposits | 122.7654% | 2,419 |
| Total domestic deposits to total assets | 73.1723% | 6,797 |
| Equity capital to assets | 7.1479% | 7,655 |
| Core capital (leverage) ratio | 6.8914% | 7,768 |
| Tier 1 risk-based capital ratio | 10.5122% | 6,199 |
| Total risk-based capital ratio | 11.7760% | 6,072 |
| Memoranda: | ||
| Average total assets | $1,020,163,200 | 651 |
| Average earning assets | $909,950,600 | 654 |
| Average equity | $83,725,600 | 799 |
| Average total loans | $799,606,600 | 592 |