Home > Bank of Dooly > Performance and Condition Ratios
Bank of Dooly, 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 | 3.9743% | 4,176 |
| Cost of funding earning assets | 0.3910% | 4,747 |
| Net interest margin | 3.5833% | 3,535 |
| Noninterest income to average assets | 0.3123% | 5,108 |
| Noninterest expense to average assets | 2.3761% | 5,142 |
| Loan and lease loss provision to assets | 0.6392% | 380 |
| Net operating income to assets | 0.5863% | 4,326 |
| Return on assets (ROA) | 0.5863% | 4,437 |
| Pretax return on assets | 0.5863% | 4,909 |
| Return on Equity (ROE) | 4.4045% | 4,937 |
| Retained earnings to average equity (ytd only) | 3.1147% | 4,019 |
| Net charge-offs to loans | 1.1772% | 456 |
| Credit loss provision to net charge-offs | 100.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 1.9171% | 4,414 |
| Efficiency ratio | 65.9736% | 4,563 |
| Assets per employee ($millions) | 6.0258% | 1,257 |
| Cash dividends to net income (ytd only)* | 29.2835% | 3,313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5948% | 121 |
| Loan loss allowance to noncurrent loans | 145.0465% | 2,748 |
| Noncurrent assets plus other real estate owned to assets | 3.7758% | 731 |
| Noncurrent loans to loans | 3.1678% | 1,079 |
| Net loans and leases to total assets | 48.0597% | 5,287 |
| Net loans and leases to deposits | 55.1619% | 5,376 |
| Net loans and leases to core deposits | 56.8894% | 5,471 |
| Total domestic deposits to total assets | 87.1248% | 2,662 |
| Equity capital to assets | 12.7495% | 1,396 |
| Core capital (leverage) ratio | 13.7787% | 884 |
| Tier 1 risk-based capital ratio | 24.8155% | 869 |
| Total risk-based capital ratio | 26.1059% | 855 |
| Memoranda: | ||
| Average total assets | $109,507,600 | 4,508 |
| Average earning assets | $100,521,200 | 4,498 |
| Average equity | $14,576,000 | 3,951 |
| Average total loans | $59,464,800 | 4,632 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0063% | 4,107 |
| Cost of funding earning assets | 0.4049% | 4,781 |
| Net interest margin | 3.6014% | 3,440 |
| Noninterest income to average assets | 0.2020% | 5,973 |
| Noninterest expense to average assets | 2.3917% | 5,050 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.1183% | 1,941 |
| Return on assets (ROA) | 1.1183% | 2,009 |
| Pretax return on assets | 1.1183% | 3,025 |
| Return on Equity (ROE) | 8.3087% | 2,969 |
| Retained earnings to average equity (ytd only) | 8.3087% | 1,292 |
| Net charge-offs to loans | 0.4807% | 1,334 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 4.2038% | 3,507 |
| Efficiency ratio | 68.1404% | 4,071 |
| Assets per employee ($millions) | 5.0424% | 2,111 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1408% | 210 |
| Loan loss allowance to noncurrent loans | 77.7884% | 4,140 |
| Noncurrent assets plus other real estate owned to assets | 5.5777% | 460 |
| Noncurrent loans to loans | 5.3231% | 533 |
| Net loans and leases to total assets | 55.8732% | 4,338 |
| Net loans and leases to deposits | 66.1691% | 4,284 |
| Net loans and leases to core deposits | 68.0676% | 4,519 |
| Total domestic deposits to total assets | 84.4399% | 4,009 |
| Equity capital to assets | 14.9244% | 725 |
| Core capital (leverage) ratio | 14.6227% | 705 |
| Tier 1 risk-based capital ratio | 25.1874% | 856 |
| Total risk-based capital ratio | 26.4727% | 842 |
| Memoranda: | ||
| Average total assets | $108,261,750 | 4,580 |
| Average earning assets | $99,440,000 | 4,573 |
| Average equity | $14,570,750 | 3,994 |
| Average total loans | $59,912,500 | 4,656 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9983% | 4,119 |
| Cost of funding earning assets | 0.4114% | 4,849 |
| Net interest margin | 3.5869% | 3,422 |
| Noninterest income to average assets | -0.0181% | 6,820 |
| Noninterest expense to average assets | 2.2577% | 5,483 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.0151% | 2,266 |
| Return on assets (ROA) | 1.0151% | 2,393 |
| Pretax return on assets | 1.0151% | 3,436 |
| Return on Equity (ROE) | 7.7998% | 3,193 |
| Retained earnings to average equity (ytd only) | 7.7998% | 1,567 |
| Net charge-offs to loans | 0.7398% | 877 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 2.5202% | 3,685 |
| Efficiency ratio | 68.9845% | 4,013 |
| Assets per employee ($millions) | 5.0502% | 2,054 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1307% | 227 |
| Loan loss allowance to noncurrent loans | 80.4441% | 4,015 |
| Noncurrent assets plus other real estate owned to assets | 5.1983% | 577 |
| Noncurrent loans to loans | 5.1349% | 610 |
| Net loans and leases to total assets | 53.1126% | 4,720 |
| Net loans and leases to deposits | 61.9506% | 4,755 |
| Net loans and leases to core deposits | 63.7988% | 4,914 |
| Total domestic deposits to total assets | 85.7337% | 3,512 |
| Equity capital to assets | 13.8656% | 1,005 |
| Core capital (leverage) ratio | 13.6590% | 921 |
| Tier 1 risk-based capital ratio | 25.4584% | 825 |
| Total risk-based capital ratio | 26.7447% | 804 |
| Memoranda: | ||
| Average total assets | $110,733,000 | 4,560 |
| Average earning assets | $101,592,000 | 4,530 |
| Average equity | $14,410,670 | 4,067 |
| Average total loans | $60,289,670 | 4,664 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0221% | 4,030 |
| Cost of funding earning assets | 0.4207% | 4,904 |
| Net interest margin | 3.6014% | 3,261 |
| Noninterest income to average assets | -0.6155% | 6,995 |
| Noninterest expense to average assets | 1.8325% | 6,393 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.8526% | 2,892 |
| Return on assets (ROA) | 0.8526% | 3,027 |
| Pretax return on assets | 0.8526% | 3,942 |
| Return on Equity (ROE) | 6.7585% | 3,618 |
| Retained earnings to average equity (ytd only) | 6.7585% | 2,276 |
| Net charge-offs to loans | 1.1137% | 537 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 1.4176% | 3,361 |
| Efficiency ratio | 68.2477% | 4,262 |
| Assets per employee ($millions) | 5.2953% | 1,874 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3839% | 215 |
| Loan loss allowance to noncurrent loans | 80.3890% | 3,933 |
| Noncurrent assets plus other real estate owned to assets | 5.0188% | 731 |
| Noncurrent loans to loans | 5.4533% | 666 |
| Net loans and leases to total assets | 48.6421% | 5,161 |
| Net loans and leases to deposits | 55.9520% | 5,247 |
| Net loans and leases to core deposits | 57.5191% | 5,385 |
| Total domestic deposits to total assets | 86.9355% | 3,002 |
| Equity capital to assets | 12.9350% | 1,460 |
| Core capital (leverage) ratio | 12.7140% | 1,241 |
| Tier 1 risk-based capital ratio | 25.2493% | 863 |
| Total risk-based capital ratio | 26.5377% | 842 |
| Memoranda: | ||
| Average total assets | $113,072,500 | 4,551 |
| Average earning assets | $103,627,500 | 4,527 |
| Average equity | $14,263,500 | 4,143 |
| Average total loans | $61,057,000 | 4,667 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5041% | 3,375 |
| Cost of funding earning assets | 0.6109% | 4,240 |
| Net interest margin | 3.8932% | 2,862 |
| Noninterest income to average assets | 0.8639% | 1,977 |
| Noninterest expense to average assets | 2.2010% | 5,922 |
| Loan and lease loss provision to assets | 1.6906% | 159 |
| Net operating income to assets | 0.5539% | 4,457 |
| Return on assets (ROA) | 0.5539% | 4,711 |
| Pretax return on assets | 0.5539% | 5,123 |
| Return on Equity (ROE) | 4.3842% | 4,980 |
| Retained earnings to average equity (ytd only) | 3.0352% | 4,100 |
| Net charge-offs to loans | 2.3406% | 278 |
| Credit loss provision to net charge-offs | 112.4171% | 2,592 |
| Earnings coverage of net charge-offs (x) | 1.4925% | 4,696 |
| Efficiency ratio | 49.5106% | 6,624 |
| Assets per employee ($millions) | 5.2247% | 1,967 |
| Cash dividends to net income (ytd only)* | 30.7692% | 3,343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0431% | 279 |
| Loan loss allowance to noncurrent loans | 69.8103% | 4,267 |
| Noncurrent assets plus other real estate owned to assets | 5.7742% | 623 |
| Noncurrent loans to loans | 5.7916% | 625 |
| Net loans and leases to total assets | 54.7167% | 4,505 |
| Net loans and leases to deposits | 62.5080% | 4,726 |
| Net loans and leases to core deposits | 64.6130% | 4,886 |
| Total domestic deposits to total assets | 87.5356% | 2,509 |
| Equity capital to assets | 12.3044% | 1,857 |
| Core capital (leverage) ratio | 13.2519% | 1,032 |
| Tier 1 risk-based capital ratio | 20.9579% | 1,470 |
| Total risk-based capital ratio | 22.2412% | 1,436 |
| Memoranda: | ||
| Average total assets | $110,313,400 | 4,583 |
| Average earning assets | $101,484,200 | 4,562 |
| Average equity | $13,936,400 | 4,169 |
| Average total loans | $70,880,600 | 4,333 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5735% | 3,317 |
| Cost of funding earning assets | 0.6496% | 4,202 |
| Net interest margin | 3.9239% | 2,826 |
| Noninterest income to average assets | 0.8562% | 1,995 |
| Noninterest expense to average assets | 2.0887% | 6,189 |
| Loan and lease loss provision to assets | 1.6978% | 170 |
| Net operating income to assets | 0.6926% | 3,948 |
| Return on assets (ROA) | 0.6926% | 4,205 |
| Pretax return on assets | 0.6926% | 4,890 |
| Return on Equity (ROE) | 5.4447% | 4,621 |
| Retained earnings to average equity (ytd only) | 5.4447% | 3,066 |
| Net charge-offs to loans | 0.8973% | 1,217 |
| Credit loss provision to net charge-offs | 286.0082% | 943 |
| Earnings coverage of net charge-offs (x) | 4.0268% | 3,424 |
| Efficiency ratio | 46.6321% | 6,789 |
| Assets per employee ($millions) | 4.6685% | 2,643 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7344% | 171 |
| Loan loss allowance to noncurrent loans | 135.2181% | 2,492 |
| Noncurrent assets plus other real estate owned to assets | 5.1769% | 845 |
| Noncurrent loans to loans | 3.5013% | 1,548 |
| Net loans and leases to total assets | 65.5940% | 2,725 |
| Net loans and leases to deposits | 76.4254% | 2,920 |
| Net loans and leases to core deposits | 82.1804% | 2,943 |
| Total domestic deposits to total assets | 85.8275% | 3,349 |
| Equity capital to assets | 13.9106% | 1,191 |
| Core capital (leverage) ratio | 13.8788% | 873 |
| Tier 1 risk-based capital ratio | 20.3620% | 1,669 |
| Total risk-based capital ratio | 21.6561% | 1,624 |
| Memoranda: | ||
| Average total assets | $109,156,000 | 4,662 |
| Average earning assets | $100,781,000 | 4,628 |
| Average equity | $13,884,750 | 4,216 |
| Average total loans | $72,215,000 | 4,316 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4862% | 3,824 |
| Cost of funding earning assets | 0.6835% | 4,156 |
| Net interest margin | 3.8027% | 3,348 |
| Noninterest income to average assets | 0.7439% | 2,449 |
| Noninterest expense to average assets | 2.0682% | 6,293 |
| Loan and lease loss provision to assets | 2.1113% | 127 |
| Net operating income to assets | 0.0934% | 6,182 |
| Return on assets (ROA) | 0.0934% | 6,330 |
| Pretax return on assets | 0.0934% | 6,336 |
| Return on Equity (ROE) | 0.7563% | 6,343 |
| Retained earnings to average equity (ytd only) | 0.7563% | 5,761 |
| Net charge-offs to loans | 1.3450% | 777 |
| Credit loss provision to net charge-offs | 240.2863% | 1,192 |
| Earnings coverage of net charge-offs (x) | 2.5092% | 3,759 |
| Efficiency ratio | 48.4020% | 6,749 |
| Assets per employee ($millions) | 4.5583% | 2,794 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4409% | 242 |
| Loan loss allowance to noncurrent loans | 88.3432% | 3,514 |
| Noncurrent assets plus other real estate owned to assets | 5.9328% | 722 |
| Noncurrent loans to loans | 5.0268% | 974 |
| Net loans and leases to total assets | 64.2420% | 2,980 |
| Net loans and leases to deposits | 74.1411% | 3,272 |
| Net loans and leases to core deposits | 79.5465% | 3,279 |
| Total domestic deposits to total assets | 86.6484% | 2,983 |
| Equity capital to assets | 13.1361% | 1,456 |
| Core capital (leverage) ratio | 12.5644% | 1,325 |
| Tier 1 risk-based capital ratio | 19.5934% | 1,818 |
| Total risk-based capital ratio | 20.8824% | 1,775 |
| Memoranda: | ||
| Average total assets | $111,306,000 | 4,634 |
| Average earning assets | $103,295,000 | 4,593 |
| Average equity | $13,750,670 | 4,247 |
| Average total loans | $72,714,330 | 4,323 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4141% | 4,273 |
| Cost of funding earning assets | 0.7250% | 4,078 |
| Net interest margin | 3.6891% | 3,877 |
| Noninterest income to average assets | 0.8870% | 1,808 |
| Noninterest expense to average assets | 1.8893% | 6,664 |
| Loan and lease loss provision to assets | 2.2874% | 116 |
| Net operating income to assets | 0.1397% | 6,145 |
| Return on assets (ROA) | 0.1397% | 6,273 |
| Pretax return on assets | 0.1397% | 6,322 |
| Return on Equity (ROE) | 1.1645% | 6,313 |
| Retained earnings to average equity (ytd only) | 1.1645% | 5,620 |
| Net charge-offs to loans | 0.5309% | 1,764 |
| Credit loss provision to net charge-offs | 668.3673% | 517 |
| Earnings coverage of net charge-offs (x) | 7.0918% | 2,117 |
| Efficiency ratio | 43.7702% | 7,000 |
| Assets per employee ($millions) | 5.1575% | 2,052 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2165% | 312 |
| Loan loss allowance to noncurrent loans | 63.6479% | 4,331 |
| Noncurrent assets plus other real estate owned to assets | 5.8053% | 825 |
| Noncurrent loans to loans | 6.6247% | 719 |
| Net loans and leases to total assets | 60.0814% | 3,650 |
| Net loans and leases to deposits | 68.5139% | 3,970 |
| Net loans and leases to core deposits | 77.1796% | 3,441 |
| Total domestic deposits to total assets | 87.6923% | 2,535 |
| Equity capital to assets | 12.1270% | 1,954 |
| Core capital (leverage) ratio | 12.0091% | 1,580 |
| Tier 1 risk-based capital ratio | 19.6034% | 1,811 |
| Total risk-based capital ratio | 20.8913% | 1,768 |
| Memoranda: | ||
| Average total assets | $114,538,500 | 4,581 |
| Average earning assets | $106,477,000 | 4,534 |
| Average equity | $13,740,000 | 4,247 |
| Average total loans | $73,830,500 | 4,322 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9873% | 2,936 |
| Cost of funding earning assets | 1.0148% | 3,267 |
| Net interest margin | 3.9726% | 3,011 |
| Noninterest income to average assets | 0.0835% | 6,704 |
| Noninterest expense to average assets | 2.1324% | 6,424 |
| Loan and lease loss provision to assets | 3.2277% | 101 |
| Net operating income to assets | -1.6426% | 6,945 |
| Return on assets (ROA) | -1.6426% | 6,961 |
| Pretax return on assets | -1.6426% | 6,931 |
| Return on Equity (ROE) | -12.7884% | 6,825 |
| Retained earnings to average equity (ytd only) | -12.7884% | 6,797 |
| Net charge-offs to loans | 3.3314% | 243 |
| Credit loss provision to net charge-offs | 137.5093% | 2,161 |
| Earnings coverage of net charge-offs (x) | 0.6753% | 5,310 |
| Efficiency ratio | 57.3602% | 6,135 |
| Assets per employee ($millions) | 5.0266% | 2,157 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1953% | 683 |
| Loan loss allowance to noncurrent loans | 47.0181% | 5,184 |
| Noncurrent assets plus other real estate owned to assets | 6.7995% | 679 |
| Noncurrent loans to loans | 6.7958% | 665 |
| Net loans and leases to total assets | 64.0458% | 3,184 |
| Net loans and leases to deposits | 72.8693% | 3,683 |
| Net loans and leases to core deposits | 84.5937% | 2,803 |
| Total domestic deposits to total assets | 87.8913% | 2,228 |
| Equity capital to assets | 11.8674% | 2,220 |
| Core capital (leverage) ratio | 12.2187% | 1,482 |
| Tier 1 risk-based capital ratio | 17.6033% | 2,347 |
| Total risk-based capital ratio | 18.8761% | 2,300 |
| Memoranda: | ||
| Average total assets | $114,942,200 | 4,526 |
| Average earning assets | $105,146,400 | 4,522 |
| Average equity | $14,763,400 | 3,954 |
| Average total loans | $80,987,600 | 4,117 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0667% | 2,767 |
| Cost of funding earning assets | 1.0566% | 3,276 |
| Net interest margin | 4.0101% | 2,872 |
| Noninterest income to average assets | -0.1801% | 7,254 |
| Noninterest expense to average assets | 2.0643% | 6,563 |
| Loan and lease loss provision to assets | 2.6137% | 161 |
| Net operating income to assets | -1.1988% | 6,957 |
| Return on assets (ROA) | -1.1988% | 6,979 |
| Pretax return on assets | -1.1988% | 6,939 |
| Return on Equity (ROE) | -9.1583% | 6,869 |
| Retained earnings to average equity (ytd only) | -9.1583% | 6,826 |
| Net charge-offs to loans | 2.1726% | 569 |
| Credit loss provision to net charge-offs | 168.1614% | 1,797 |
| Earnings coverage of net charge-offs (x) | 0.9103% | 4,941 |
| Efficiency ratio | 59.3322% | 5,822 |
| Assets per employee ($millions) | 4.5707% | 2,808 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8510% | 979 |
| Loan loss allowance to noncurrent loans | 35.8519% | 5,910 |
| Noncurrent assets plus other real estate owned to assets | 10.1905% | 346 |
| Noncurrent loans to loans | 7.9521% | 554 |
| Net loans and leases to total assets | 75.9776% | 978 |
| Net loans and leases to deposits | 88.6404% | 1,361 |
| Net loans and leases to core deposits | 101.4247% | 1,125 |
| Total domestic deposits to total assets | 85.7144% | 3,370 |
| Equity capital to assets | 13.8651% | 1,218 |
| Core capital (leverage) ratio | 13.3476% | 1,098 |
| Tier 1 risk-based capital ratio | 17.3778% | 2,494 |
| Total risk-based capital ratio | 18.6464% | 2,456 |
| Memoranda: | ||
| Average total assets | $114,775,000 | 4,560 |
| Average earning assets | $104,734,000 | 4,556 |
| Average equity | $15,024,250 | 3,916 |
| Average total loans | $82,112,500 | 4,118 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9197% | 3,534 |
| Cost of funding earning assets | 1.0741% | 3,437 |
| Net interest margin | 3.8456% | 3,554 |
| Noninterest income to average assets | -0.4017% | 7,409 |
| Noninterest expense to average assets | 1.9307% | 6,905 |
| Loan and lease loss provision to assets | 2.3053% | 236 |
| Net operating income to assets | -1.1238% | 6,983 |
| Return on assets (ROA) | -1.1238% | 6,991 |
| Pretax return on assets | -1.1238% | 6,937 |
| Return on Equity (ROE) | -8.7388% | 6,895 |
| Retained earnings to average equity (ytd only) | -8.7388% | 6,810 |
| Net charge-offs to loans | 1.2135% | 1,289 |
| Credit loss provision to net charge-offs | 273.0924% | 1,110 |
| Earnings coverage of net charge-offs (x) | 1.3996% | 4,232 |
| Efficiency ratio | 62.0370% | 5,577 |
| Assets per employee ($millions) | 4.8262% | 2,373 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8566% | 1,027 |
| Loan loss allowance to noncurrent loans | 27.8128% | 6,389 |
| Noncurrent assets plus other real estate owned to assets | 10.9836% | 312 |
| Noncurrent loans to loans | 10.2710% | 369 |
| Net loans and leases to total assets | 70.2780% | 2,163 |
| Net loans and leases to deposits | 81.5859% | 2,511 |
| Net loans and leases to core deposits | 95.6837% | 1,718 |
| Total domestic deposits to total assets | 86.1399% | 3,248 |
| Equity capital to assets | 13.4637% | 1,316 |
| Core capital (leverage) ratio | 12.8750% | 1,211 |
| Tier 1 risk-based capital ratio | 18.1689% | 2,113 |
| Total risk-based capital ratio | 19.4381% | 2,065 |
| Memoranda: | ||
| Average total assets | $117,991,000 | 4,514 |
| Average earning assets | $107,811,000 | 4,513 |
| Average equity | $15,173,670 | 3,880 |
| Average total loans | $82,077,670 | 4,154 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9931% | 3,133 |
| Cost of funding earning assets | 1.0851% | 3,619 |
| Net interest margin | 3.9079% | 3,101 |
| Noninterest income to average assets | 0.0691% | 7,043 |
| Noninterest expense to average assets | 1.8768% | 7,030 |
| Loan and lease loss provision to assets | 3.8688% | 107 |
| Net operating income to assets | -2.1072% | 7,300 |
| Return on assets (ROA) | -2.1072% | 7,299 |
| Pretax return on assets | -2.1072% | 7,275 |
| Return on Equity (ROE) | -16.7452% | 7,179 |
| Retained earnings to average equity (ytd only) | -16.7452% | 7,085 |
| Net charge-offs to loans | 2.4444% | 477 |
| Credit loss provision to net charge-offs | 231.7554% | 1,323 |
| Earnings coverage of net charge-offs (x) | 1.0552% | 3,871 |
| Efficiency ratio | 51.5837% | 6,886 |
| Assets per employee ($millions) | 5.1365% | 1,982 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6376% | 1,270 |
| Loan loss allowance to noncurrent loans | 35.1582% | 5,952 |
| Noncurrent assets plus other real estate owned to assets | 8.7642% | 510 |
| Noncurrent loans to loans | 7.5020% | 693 |
| Net loans and leases to total assets | 65.6162% | 3,109 |
| Net loans and leases to deposits | 75.4157% | 3,514 |
| Net loans and leases to core deposits | 85.0222% | 3,028 |
| Total domestic deposits to total assets | 87.0061% | 2,933 |
| Equity capital to assets | 12.6697% | 1,539 |
| Core capital (leverage) ratio | 12.4052% | 1,370 |
| Tier 1 risk-based capital ratio | 18.0281% | 2,101 |
| Total risk-based capital ratio | 19.2940% | 2,067 |
| Memoranda: | ||
| Average total assets | $121,485,500 | 4,432 |
| Average earning assets | $110,954,000 | 4,441 |
| Average equity | $15,288,000 | 3,850 |
| Average total loans | $82,964,500 | 4,163 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4973% | 2,294 |
| Cost of funding earning assets | 1.2753% | 4,051 |
| Net interest margin | 4.2220% | 2,089 |
| Noninterest income to average assets | 0.6556% | 3,114 |
| Noninterest expense to average assets | 2.5982% | 5,424 |
| Loan and lease loss provision to assets | 1.5805% | 914 |
| Net operating income to assets | 0.3362% | 4,801 |
| Return on assets (ROA) | 0.3362% | 4,963 |
| Pretax return on assets | 0.3362% | 5,124 |
| Return on Equity (ROE) | 2.5469% | 5,157 |
| Retained earnings to average equity (ytd only) | 0.1647% | 5,495 |
| Net charge-offs to loans | 2.1413% | 917 |
| Credit loss provision to net charge-offs | 96.0854% | 4,833 |
| Earnings coverage of net charge-offs (x) | 1.1652% | 4,945 |
| Efficiency ratio | 57.5477% | 6,388 |
| Assets per employee ($millions) | 5.4274% | 1,648 |
| Cash dividends to net income (ytd only)* | 93.5323% | 502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6591% | 3,360 |
| Loan loss allowance to noncurrent loans | 24.3289% | 6,636 |
| Noncurrent assets plus other real estate owned to assets | 8.2568% | 583 |
| Noncurrent loans to loans | 6.8196% | 844 |
| Net loans and leases to total assets | 67.9943% | 2,984 |
| Net loans and leases to deposits | 78.0200% | 3,509 |
| Net loans and leases to core deposits | 87.5338% | 3,116 |
| Total domestic deposits to total assets | 87.1498% | 2,746 |
| Equity capital to assets | 12.5033% | 1,633 |
| Core capital (leverage) ratio | 12.9489% | 1,142 |
| Tier 1 risk-based capital ratio | 16.9514% | 2,361 |
| Total risk-based capital ratio | 18.2047% | 2,326 |
| Memoranda: | ||
| Average total assets | $119,584,800 | 4,490 |
| Average earning assets | $109,309,000 | 4,483 |
| Average equity | $15,783,600 | 3,806 |
| Average total loans | $91,860,400 | 4,009 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6584% | 1,856 |
| Cost of funding earning assets | 1.3021% | 4,200 |
| Net interest margin | 4.3563% | 1,658 |
| Noninterest income to average assets | 0.6595% | 3,075 |
| Noninterest expense to average assets | 2.6830% | 4,953 |
| Loan and lease loss provision to assets | 1.4373% | 936 |
| Net operating income to assets | 0.5219% | 4,211 |
| Return on assets (ROA) | 0.5219% | 4,393 |
| Pretax return on assets | 0.5219% | 4,853 |
| Return on Equity (ROE) | 3.9003% | 4,824 |
| Retained earnings to average equity (ytd only) | 2.3166% | 4,779 |
| Net charge-offs to loans | 0.9909% | 2,023 |
| Credit loss provision to net charge-offs | 183.9827% | 1,971 |
| Earnings coverage of net charge-offs (x) | 2.5079% | 3,915 |
| Efficiency ratio | 57.7950% | 6,298 |
| Assets per employee ($millions) | 4.9847% | 2,196 |
| Cash dividends to net income (ytd only)* | 40.6045% | 2,073 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2666% | 1,675 |
| Loan loss allowance to noncurrent loans | 33.4506% | 6,095 |
| Noncurrent assets plus other real estate owned to assets | 9.3243% | 462 |
| Noncurrent loans to loans | 6.7759% | 859 |
| Net loans and leases to total assets | 78.6431% | 936 |
| Net loans and leases to deposits | 91.8792% | 1,465 |
| Net loans and leases to core deposits | 103.8326% | 1,500 |
| Total domestic deposits to total assets | 85.5940% | 3,298 |
| Equity capital to assets | 13.8312% | 1,229 |
| Core capital (leverage) ratio | 13.8291% | 956 |
| Tier 1 risk-based capital ratio | 16.4017% | 2,598 |
| Total risk-based capital ratio | 17.6626% | 2,543 |
| Memoranda: | ||
| Average total assets | $118,273,250 | 4,575 |
| Average earning assets | $108,130,750 | 4,567 |
| Average equity | $15,827,500 | 3,838 |
| Average total loans | $93,248,000 | 4,047 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7223% | 1,679 |
| Cost of funding earning assets | 1.3365% | 4,285 |
| Net interest margin | 4.3857% | 1,491 |
| Noninterest income to average assets | 0.6578% | 2,967 |
| Noninterest expense to average assets | 2.0723% | 6,975 |
| Loan and lease loss provision to assets | 1.2554% | 1,111 |
| Net operating income to assets | 1.3508% | 1,192 |
| Return on assets (ROA) | 1.3508% | 1,262 |
| Pretax return on assets | 1.3508% | 1,950 |
| Return on Equity (ROE) | 10.2038% | 2,026 |
| Retained earnings to average equity (ytd only) | 7.8267% | 1,500 |
| Net charge-offs to loans | -0.0107% | 7,202 |
| Credit loss provision to net charge-offs | -15,000.0000% | 7,075 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.2934% | 7,513 |
| Assets per employee ($millions) | 5.0332% | 2,144 |
| Cash dividends to net income (ytd only)* | 23.2962% | 2,784 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3830% | 1,448 |
| Loan loss allowance to noncurrent loans | 43.2144% | 5,440 |
| Noncurrent assets plus other real estate owned to assets | 7.3356% | 699 |
| Noncurrent loans to loans | 5.5144% | 1,197 |
| Net loans and leases to total assets | 80.1130% | 777 |
| Net loans and leases to deposits | 93.5748% | 1,330 |
| Net loans and leases to core deposits | 105.2547% | 1,514 |
| Total domestic deposits to total assets | 85.6138% | 3,308 |
| Equity capital to assets | 13.9949% | 1,157 |
| Core capital (leverage) ratio | 13.9284% | 942 |
| Tier 1 risk-based capital ratio | 16.3485% | 2,532 |
| Total risk-based capital ratio | 17.6108% | 2,474 |
| Memoranda: | ||
| Average total assets | $119,482,000 | 4,575 |
| Average earning assets | $109,536,670 | 4,568 |
| Average equity | $15,817,670 | 3,830 |
| Average total loans | $93,579,670 | 4,068 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4159% | 2,963 |
| Cost of funding earning assets | 1.3674% | 4,375 |
| Net interest margin | 4.0485% | 2,653 |
| Noninterest income to average assets | 0.6296% | 3,088 |
| Noninterest expense to average assets | 2.2021% | 6,685 |
| Loan and lease loss provision to assets | 1.2362% | 983 |
| Net operating income to assets | 0.9098% | 2,506 |
| Return on assets (ROA) | 0.9098% | 2,573 |
| Pretax return on assets | 0.9098% | 3,430 |
| Return on Equity (ROE) | 7.0651% | 3,312 |
| Retained earnings to average equity (ytd only) | 2.2527% | 4,781 |
| Net charge-offs to loans | -0.0474% | 7,331 |
| Credit loss provision to net charge-offs | -3,409.0909% | 6,599 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.6444% | 7,269 |
| Assets per employee ($millions) | 5.0933% | 2,104 |
| Cash dividends to net income (ytd only)* | 68.1159% | 1,068 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0554% | 2,050 |
| Loan loss allowance to noncurrent loans | 28.2541% | 6,514 |
| Noncurrent assets plus other real estate owned to assets | 8.5253% | 555 |
| Noncurrent loans to loans | 7.2746% | 801 |
| Net loans and leases to total assets | 77.0857% | 1,314 |
| Net loans and leases to deposits | 89.3716% | 2,007 |
| Net loans and leases to core deposits | 101.8991% | 1,922 |
| Total domestic deposits to total assets | 86.2529% | 3,005 |
| Equity capital to assets | 13.3766% | 1,374 |
| Core capital (leverage) ratio | 12.6488% | 1,346 |
| Tier 1 risk-based capital ratio | 16.1390% | 2,590 |
| Total risk-based capital ratio | 17.3976% | 2,545 |
| Memoranda: | ||
| Average total assets | $121,341,000 | 4,595 |
| Average earning assets | $111,450,000 | 4,573 |
| Average equity | $15,626,000 | 3,893 |
| Average total loans | $92,866,500 | 4,142 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0943% | 1,530 |
| Cost of funding earning assets | 1.8769% | 3,583 |
| Net interest margin | 4.2174% | 2,011 |
| Noninterest income to average assets | 0.6221% | 3,475 |
| Noninterest expense to average assets | 2.4053% | 6,447 |
| Loan and lease loss provision to assets | 1.5039% | 1,530 |
| Net operating income to assets | 0.6315% | 3,212 |
| Return on assets (ROA) | 0.6315% | 3,272 |
| Pretax return on assets | 0.6315% | 3,809 |
| Return on Equity (ROE) | 4.5163% | 3,877 |
| Retained earnings to average equity (ytd only) | -2.3834% | 5,593 |
| Net charge-offs to loans | 2.1860% | 1,098 |
| Credit loss provision to net charge-offs | 86.6568% | 6,111 |
| Earnings coverage of net charge-offs (x) | 1.2304% | 4,894 |
| Efficiency ratio | 52.9733% | 7,323 |
| Assets per employee ($millions) | 5.4581% | 1,685 |
| Cash dividends to net income (ytd only)* | 152.7740% | 280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6133% | 3,225 |
| Loan loss allowance to noncurrent loans | 34.8902% | 6,106 |
| Noncurrent assets plus other real estate owned to assets | 5.9998% | 943 |
| Noncurrent loans to loans | 4.6239% | 1,526 |
| Net loans and leases to total assets | 73.3067% | 2,423 |
| Net loans and leases to deposits | 84.0975% | 3,242 |
| Net loans and leases to core deposits | 121.1886% | 1,860 |
| Total domestic deposits to total assets | 87.1687% | 2,405 |
| Equity capital to assets | 12.4123% | 1,790 |
| Core capital (leverage) ratio | 12.5297% | 1,440 |
| Tier 1 risk-based capital ratio | 15.4625% | 2,734 |
| Total risk-based capital ratio | 16.7158% | 2,686 |
| Memoranda: | ||
| Average total assets | $117,031,000 | 4,658 |
| Average earning assets | $108,741,000 | 4,603 |
| Average equity | $16,363,000 | 3,811 |
| Average total loans | $92,911,000 | 4,135 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2478% | 1,248 |
| Cost of funding earning assets | 1.9855% | 3,438 |
| Net interest margin | 4.2623% | 1,834 |
| Noninterest income to average assets | 0.5987% | 3,723 |
| Noninterest expense to average assets | 2.2302% | 6,895 |
| Loan and lease loss provision to assets | 0.5454% | 3,207 |
| Net operating income to assets | 1.7962% | 446 |
| Return on assets (ROA) | 1.7962% | 476 |
| Pretax return on assets | 1.7962% | 806 |
| Return on Equity (ROE) | 12.4648% | 1,246 |
| Retained earnings to average equity (ytd only) | 7.9234% | 1,160 |
| Net charge-offs to loans | 0.5577% | 3,010 |
| Credit loss provision to net charge-offs | 121.1340% | 4,189 |
| Earnings coverage of net charge-offs (x) | 5.2010% | 2,899 |
| Efficiency ratio | 48.7817% | 7,631 |
| Assets per employee ($millions) | 5.4588% | 1,658 |
| Cash dividends to net income (ytd only)* | 36.4340% | 2,606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9236% | 1,969 |
| Loan loss allowance to noncurrent loans | 69.3482% | 3,851 |
| Noncurrent assets plus other real estate owned to assets | 4.1289% | 1,527 |
| Noncurrent loans to loans | 2.7738% | 2,740 |
| Net loans and leases to total assets | 75.6151% | 2,070 |
| Net loans and leases to deposits | 88.1217% | 2,930 |
| Net loans and leases to core deposits | 129.4178% | 1,471 |
| Total domestic deposits to total assets | 85.8076% | 2,802 |
| Equity capital to assets | 13.5051% | 1,497 |
| Core capital (leverage) ratio | 13.2894% | 1,297 |
| Tier 1 risk-based capital ratio | 16.5840% | 2,397 |
| Total risk-based capital ratio | 17.8408% | 2,347 |
| Memoranda: | ||
| Average total assets | $114,904,500 | 4,719 |
| Average earning assets | $107,106,750 | 4,679 |
| Average equity | $16,558,250 | 3,796 |
| Average total loans | $92,754,750 | 4,180 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3426% | 1,108 |
| Cost of funding earning assets | 2.0995% | 3,266 |
| Net interest margin | 4.2432% | 1,840 |
| Noninterest income to average assets | 0.5694% | 3,902 |
| Noninterest expense to average assets | 2.2684% | 6,853 |
| Loan and lease loss provision to assets | 0.2155% | 4,886 |
| Net operating income to assets | 2.0457% | 267 |
| Return on assets (ROA) | 2.0457% | 289 |
| Pretax return on assets | 2.0457% | 504 |
| Return on Equity (ROE) | 13.8685% | 1,016 |
| Retained earnings to average equity (ytd only) | 9.2903% | 862 |
| Net charge-offs to loans | 0.8468% | 1,997 |
| Credit loss provision to net charge-offs | 31.0078% | 6,019 |
| Earnings coverage of net charge-offs (x) | 3.2532% | 3,515 |
| Efficiency ratio | 50.0793% | 7,663 |
| Assets per employee ($millions) | 4.8577% | 2,252 |
| Cash dividends to net income (ytd only)* | 33.0114% | 2,720 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6407% | 2,564 |
| Loan loss allowance to noncurrent loans | 61.9321% | 4,353 |
| Noncurrent assets plus other real estate owned to assets | 4.3669% | 1,309 |
| Noncurrent loans to loans | 2.6491% | 2,732 |
| Net loans and leases to total assets | 81.1861% | 1,101 |
| Net loans and leases to deposits | 96.2388% | 1,761 |
| Net loans and leases to core deposits | 156.7897% | 499 |
| Total domestic deposits to total assets | 84.3591% | 3,569 |
| Equity capital to assets | 14.9786% | 1,032 |
| Core capital (leverage) ratio | 15.1401% | 887 |
| Tier 1 risk-based capital ratio | 17.6047% | 2,109 |
| Total risk-based capital ratio | 18.8586% | 2,064 |
| Memoranda: | ||
| Average total assets | $111,355,000 | 4,846 |
| Average earning assets | $103,931,670 | 4,793 |
| Average equity | $16,425,670 | 3,833 |
| Average total loans | $91,406,670 | 4,246 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4356% | 982 |
| Cost of funding earning assets | 2.1848% | 3,241 |
| Net interest margin | 4.2508% | 1,745 |
| Noninterest income to average assets | 0.6728% | 3,051 |
| Noninterest expense to average assets | 2.3496% | 6,369 |
| Loan and lease loss provision to assets | 0.1619% | 4,864 |
| Net operating income to assets | 2.1517% | 254 |
| Return on assets (ROA) | 2.1517% | 296 |
| Pretax return on assets | 2.1517% | 491 |
| Return on Equity (ROE) | 14.7010% | 1,034 |
| Retained earnings to average equity (ytd only) | 14.7010% | 447 |
| Net charge-offs to loans | -0.0044% | 7,163 |
| Credit loss provision to net charge-offs | -4,500.0000% | 6,717 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.3858% | 7,559 |
| Assets per employee ($millions) | 4.5369% | 2,660 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9996% | 1,419 |
| Loan loss allowance to noncurrent loans | 37.1365% | 6,077 |
| Noncurrent assets plus other real estate owned to assets | 4.5158% | 1,062 |
| Noncurrent loans to loans | 5.3844% | 979 |
| Net loans and leases to total assets | 82.1913% | 984 |
| Net loans and leases to deposits | 97.5848% | 1,718 |
| Net loans and leases to core deposits | 151.1161% | 672 |
| Total domestic deposits to total assets | 84.2256% | 3,589 |
| Equity capital to assets | 15.2179% | 1,040 |
| Core capital (leverage) ratio | 14.7750% | 1,015 |
| Tier 1 risk-based capital ratio | 18.0070% | 2,052 |
| Total risk-based capital ratio | 19.2665% | 2,001 |
| Memoranda: | ||
| Average total assets | $111,169,500 | 4,874 |
| Average earning assets | $104,356,500 | 4,795 |
| Average equity | $16,271,000 | 3,891 |
| Average total loans | $91,000,500 | 4,280 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0183% | 1,092 |
| Cost of funding earning assets | 2.7886% | 2,755 |
| Net interest margin | 4.2297% | 2,195 |
| Noninterest income to average assets | 1.1778% | 1,105 |
| Noninterest expense to average assets | 2.5821% | 5,708 |
| Loan and lease loss provision to assets | 0.5469% | 2,633 |
| Net operating income to assets | 1.8448% | 503 |
| Return on assets (ROA) | 1.8448% | 491 |
| Pretax return on assets | 2.0274% | 560 |
| Return on Equity (ROE) | 11.7939% | 1,656 |
| Retained earnings to average equity (ytd only) | 3.4214% | 3,011 |
| Net charge-offs to loans | 0.0278% | 6,434 |
| Credit loss provision to net charge-offs | 2,545.4545% | 182 |
| Earnings coverage of net charge-offs (x) | 119.8182% | 377 |
| Efficiency ratio | 50.0758% | 7,660 |
| Assets per employee ($millions) | 4.5382% | 2,553 |
| Cash dividends to net income (ytd only)* | 70.9899% | 2,130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9629% | 1,298 |
| Loan loss allowance to noncurrent loans | 40.6857% | 6,009 |
| Noncurrent assets plus other real estate owned to assets | 3.8721% | 1,085 |
| Noncurrent loans to loans | 4.8246% | 940 |
| Net loans and leases to total assets | 78.3586% | 2,036 |
| Net loans and leases to deposits | 92.1187% | 3,110 |
| Net loans and leases to core deposits | 140.4927% | 1,240 |
| Total domestic deposits to total assets | 85.0627% | 2,812 |
| Equity capital to assets | 14.0780% | 1,404 |
| Core capital (leverage) ratio | 14.5606% | 1,129 |
| Tier 1 risk-based capital ratio | 16.9756% | 2,320 |
| Total risk-based capital ratio | 18.2340% | 2,265 |
| Memoranda: | ||
| Average total assets | $102,396,400 | 4,981 |
| Average earning assets | $96,319,800 | 4,908 |
| Average equity | $16,016,800 | 3,926 |
| Average total loans | $79,155,200 | 4,547 |