Home > Bank of Las Vegas > Performance and Condition Ratios
Bank of Las Vegas, 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 | 4.6742% | 1,641 |
| Cost of funding earning assets | 0.7538% | 1,475 |
| Net interest margin | 3.9205% | 2,220 |
| Noninterest income to average assets | 0.7951% | 2,101 |
| Noninterest expense to average assets | 4.6430% | 466 |
| Loan and lease loss provision to assets | 0.0004% | 5,086 |
| Net operating income to assets | -0.3468% | 6,438 |
| Return on assets (ROA) | -0.3468% | 6,452 |
| Pretax return on assets | -0.3468% | 6,436 |
| Return on Equity (ROE) | -14.4460% | 6,638 |
| Retained earnings to average equity (ytd only) | -14.4460% | 6,609 |
| Net charge-offs to loans | 0.3472% | 1,947 |
| Credit loss provision to net charge-offs | 0.1695% | 4,705 |
| Earnings coverage of net charge-offs (x) | -1.3864% | 5,293 |
| Efficiency ratio | 108.0607% | 303 |
| Assets per employee ($millions) | 4.1865% | 3,466 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8836% | 220 |
| Loan loss allowance to noncurrent loans | 40.7181% | 5,609 |
| Noncurrent assets plus other real estate owned to assets | 14.0380% | 55 |
| Noncurrent loans to loans | 9.5377% | 127 |
| Net loans and leases to total assets | 67.8335% | 2,382 |
| Net loans and leases to deposits | 69.6023% | 3,831 |
| Net loans and leases to core deposits | 77.2127% | 3,462 |
| Total domestic deposits to total assets | 97.4587% | 10 |
| Equity capital to assets | 2.3736% | 6,779 |
| Core capital (leverage) ratio | 2.3210% | 6,787 |
| Tier 1 risk-based capital ratio | 3.1364% | 6,792 |
| Total risk-based capital ratio | 4.4156% | 6,792 |
| Memoranda: | ||
| Average total assets | $236,184,800 | 2,656 |
| Average earning assets | $210,944,800 | 2,712 |
| Average equity | $5,669,400 | 5,891 |
| Average total loans | $169,909,200 | 2,306 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5107% | 2,184 |
| Cost of funding earning assets | 0.7656% | 1,511 |
| Net interest margin | 3.7451% | 2,866 |
| Noninterest income to average assets | 0.9339% | 1,653 |
| Noninterest expense to average assets | 4.5602% | 492 |
| Loan and lease loss provision to assets | 0.0005% | 4,936 |
| Net operating income to assets | -0.2911% | 6,520 |
| Return on assets (ROA) | -0.2911% | 6,534 |
| Pretax return on assets | -0.2911% | 6,510 |
| Return on Equity (ROE) | -12.0964% | 6,710 |
| Retained earnings to average equity (ytd only) | -12.0964% | 6,673 |
| Net charge-offs to loans | 0.9692% | 596 |
| Credit loss provision to net charge-offs | 0.0787% | 4,341 |
| Earnings coverage of net charge-offs (x) | -0.4150% | 4,943 |
| Efficiency ratio | 106.8044% | 319 |
| Assets per employee ($millions) | 4.2198% | 3,385 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2146% | 445 |
| Loan loss allowance to noncurrent loans | 30.5800% | 5,969 |
| Noncurrent assets plus other real estate owned to assets | 15.2992% | 48 |
| Noncurrent loans to loans | 10.5122% | 115 |
| Net loans and leases to total assets | 69.6251% | 2,027 |
| Net loans and leases to deposits | 73.3004% | 3,350 |
| Net loans and leases to core deposits | 81.1445% | 2,981 |
| Total domestic deposits to total assets | 94.9860% | 40 |
| Equity capital to assets | 2.3961% | 6,864 |
| Core capital (leverage) ratio | 2.3363% | 6,875 |
| Tier 1 risk-based capital ratio | 3.0635% | 6,880 |
| Total risk-based capital ratio | 4.3345% | 6,880 |
| Memoranda: | ||
| Average total assets | $241,852,500 | 2,630 |
| Average earning assets | $215,421,250 | 2,681 |
| Average equity | $5,819,750 | 5,928 |
| Average total loans | $174,715,000 | 2,259 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4904% | 2,234 |
| Cost of funding earning assets | 0.7813% | 1,517 |
| Net interest margin | 3.7091% | 2,925 |
| Noninterest income to average assets | 1.3069% | 912 |
| Noninterest expense to average assets | 4.5652% | 494 |
| Loan and lease loss provision to assets | 0.0008% | 4,778 |
| Net operating income to assets | 0.0460% | 6,249 |
| Return on assets (ROA) | 0.0460% | 6,324 |
| Pretax return on assets | 0.0460% | 6,308 |
| Return on Equity (ROE) | 1.9085% | 5,980 |
| Retained earnings to average equity (ytd only) | 1.9085% | 5,054 |
| Net charge-offs to loans | 1.4432% | 373 |
| Credit loss provision to net charge-offs | 0.0773% | 4,001 |
| Earnings coverage of net charge-offs (x) | 0.0448% | 4,532 |
| Efficiency ratio | 98.9855% | 522 |
| Assets per employee ($millions) | 3.9851% | 3,837 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0438% | 559 |
| Loan loss allowance to noncurrent loans | 21.4411% | 6,272 |
| Noncurrent assets plus other real estate owned to assets | 16.5924% | 40 |
| Noncurrent loans to loans | 14.1959% | 63 |
| Net loans and leases to total assets | 69.7452% | 1,927 |
| Net loans and leases to deposits | 72.1159% | 3,433 |
| Net loans and leases to core deposits | 79.6864% | 3,064 |
| Total domestic deposits to total assets | 96.7127% | 14 |
| Equity capital to assets | 2.5281% | 6,916 |
| Core capital (leverage) ratio | 2.4981% | 6,920 |
| Tier 1 risk-based capital ratio | 3.2931% | 6,925 |
| Total risk-based capital ratio | 4.5632% | 6,925 |
| Memoranda: | ||
| Average total assets | $247,919,330 | 2,571 |
| Average earning assets | $220,916,670 | 2,631 |
| Average equity | $5,973,330 | 5,944 |
| Average total loans | $179,323,330 | 2,208 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3185% | 2,814 |
| Cost of funding earning assets | 0.7740% | 1,686 |
| Net interest margin | 3.5445% | 3,501 |
| Noninterest income to average assets | 1.7191% | 536 |
| Noninterest expense to average assets | 4.5219% | 524 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.3303% | 5,443 |
| Return on assets (ROA) | 0.3303% | 5,580 |
| Pretax return on assets | 0.3303% | 5,779 |
| Return on Equity (ROE) | 14.0281% | 955 |
| Retained earnings to average equity (ytd only) | 14.0281% | 442 |
| Net charge-offs to loans | 1.6159% | 319 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 0.2819% | 3,721 |
| Efficiency ratio | 93.1929% | 898 |
| Assets per employee ($millions) | 4.2739% | 3,385 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1861% | 555 |
| Loan loss allowance to noncurrent loans | 22.5790% | 6,278 |
| Noncurrent assets plus other real estate owned to assets | 17.5352% | 49 |
| Noncurrent loans to loans | 14.1109% | 94 |
| Net loans and leases to total assets | 69.8234% | 1,692 |
| Net loans and leases to deposits | 72.1351% | 3,169 |
| Net loans and leases to core deposits | 79.7410% | 2,838 |
| Total domestic deposits to total assets | 96.7953% | 13 |
| Equity capital to assets | 2.4596% | 6,993 |
| Core capital (leverage) ratio | 2.4193% | 6,990 |
| Tier 1 risk-based capital ratio | 3.1587% | 6,994 |
| Total risk-based capital ratio | 4.4298% | 6,994 |
| Memoranda: | ||
| Average total assets | $254,319,000 | 2,540 |
| Average earning assets | $224,800,500 | 2,616 |
| Average equity | $5,988,000 | 5,986 |
| Average total loans | $184,418,500 | 2,170 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5325% | 3,269 |
| Cost of funding earning assets | 0.8976% | 1,948 |
| Net interest margin | 3.6349% | 3,942 |
| Noninterest income to average assets | -0.0138% | 6,856 |
| Noninterest expense to average assets | 4.1954% | 769 |
| Loan and lease loss provision to assets | 0.1496% | 3,738 |
| Net operating income to assets | -1.2687% | 6,812 |
| Return on assets (ROA) | -1.2687% | 6,825 |
| Pretax return on assets | -1.1084% | 6,762 |
| Return on Equity (ROE) | -59.8381% | 7,036 |
| Retained earnings to average equity (ytd only) | -59.8381% | 7,034 |
| Net charge-offs to loans | 3.4941% | 109 |
| Credit loss provision to net charge-offs | 5.8388% | 5,437 |
| Earnings coverage of net charge-offs (x) | -0.3743% | 5,638 |
| Efficiency ratio | 129.6241% | 159 |
| Assets per employee ($millions) | 4.3459% | 3,264 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3889% | 476 |
| Loan loss allowance to noncurrent loans | 24.3617% | 6,271 |
| Noncurrent assets plus other real estate owned to assets | 18.1903% | 43 |
| Noncurrent loans to loans | 13.9109% | 105 |
| Net loans and leases to total assets | 70.4185% | 1,757 |
| Net loans and leases to deposits | 72.5520% | 3,318 |
| Net loans and leases to core deposits | 79.4458% | 3,084 |
| Total domestic deposits to total assets | 97.0593% | 15 |
| Equity capital to assets | 2.2546% | 7,058 |
| Core capital (leverage) ratio | 2.2045% | 7,057 |
| Tier 1 risk-based capital ratio | 2.8361% | 7,062 |
| Total risk-based capital ratio | 4.1092% | 7,062 |
| Memoranda: | ||
| Average total assets | $290,149,200 | 2,202 |
| Average earning assets | $259,459,000 | 2,248 |
| Average equity | $6,151,600 | 5,984 |
| Average total loans | $212,729,400 | 1,901 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3458% | 4,274 |
| Cost of funding earning assets | 0.9261% | 2,007 |
| Net interest margin | 3.4197% | 4,965 |
| Noninterest income to average assets | -0.1466% | 7,051 |
| Noninterest expense to average assets | 4.2518% | 686 |
| Loan and lease loss provision to assets | 0.0816% | 4,610 |
| Net operating income to assets | -1.4068% | 6,950 |
| Return on assets (ROA) | -1.4068% | 6,964 |
| Pretax return on assets | -1.4068% | 6,944 |
| Return on Equity (ROE) | -67.2894% | 7,144 |
| Retained earnings to average equity (ytd only) | -67.2894% | 7,140 |
| Net charge-offs to loans | 4.0982% | 78 |
| Credit loss provision to net charge-offs | 2.7112% | 5,142 |
| Earnings coverage of net charge-offs (x) | -0.4405% | 5,482 |
| Efficiency ratio | 145.2833% | 104 |
| Assets per employee ($millions) | 4.5596% | 2,808 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5284% | 459 |
| Loan loss allowance to noncurrent loans | 23.4904% | 6,395 |
| Noncurrent assets plus other real estate owned to assets | 19.9523% | 36 |
| Noncurrent loans to loans | 15.0208% | 99 |
| Net loans and leases to total assets | 69.0479% | 2,101 |
| Net loans and leases to deposits | 72.9476% | 3,456 |
| Net loans and leases to core deposits | 80.5825% | 3,132 |
| Total domestic deposits to total assets | 94.6542% | 51 |
| Equity capital to assets | 2.0078% | 7,166 |
| Core capital (leverage) ratio | 2.0099% | 7,164 |
| Tier 1 risk-based capital ratio | 2.5476% | 7,169 |
| Total risk-based capital ratio | 3.8217% | 7,169 |
| Memoranda: | ||
| Average total assets | $297,498,000 | 2,173 |
| Average earning assets | $267,347,000 | 2,206 |
| Average equity | $6,219,750 | 6,029 |
| Average total loans | $218,396,750 | 1,863 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2060% | 4,927 |
| Cost of funding earning assets | 0.9569% | 2,017 |
| Net interest margin | 3.2491% | 5,593 |
| Noninterest income to average assets | -0.1375% | 7,114 |
| Noninterest expense to average assets | 4.2498% | 688 |
| Loan and lease loss provision to assets | 0.0013% | 5,614 |
| Net operating income to assets | -1.4541% | 7,012 |
| Return on assets (ROA) | -1.4541% | 7,027 |
| Pretax return on assets | -1.4541% | 6,996 |
| Return on Equity (ROE) | -68.7403% | 7,193 |
| Retained earnings to average equity (ytd only) | -68.7403% | 7,188 |
| Net charge-offs to loans | 3.1169% | 181 |
| Credit loss provision to net charge-offs | 0.0568% | 4,808 |
| Earnings coverage of net charge-offs (x) | -0.6302% | 5,260 |
| Efficiency ratio | 151.9429% | 95 |
| Assets per employee ($millions) | 4.6532% | 2,633 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7120% | 199 |
| Loan loss allowance to noncurrent loans | 23.9962% | 6,397 |
| Noncurrent assets plus other real estate owned to assets | 22.5642% | 26 |
| Noncurrent loans to loans | 19.6363% | 50 |
| Net loans and leases to total assets | 69.5415% | 2,002 |
| Net loans and leases to deposits | 72.5536% | 3,527 |
| Net loans and leases to core deposits | 79.5597% | 3,278 |
| Total domestic deposits to total assets | 95.8485% | 37 |
| Equity capital to assets | 2.1016% | 7,221 |
| Core capital (leverage) ratio | 2.0124% | 7,223 |
| Tier 1 risk-based capital ratio | 2.6833% | 7,224 |
| Total risk-based capital ratio | 3.9721% | 7,225 |
| Memoranda: | ||
| Average total assets | $305,471,330 | 2,124 |
| Average earning assets | $275,889,000 | 2,143 |
| Average equity | $6,462,000 | 5,994 |
| Average total loans | $225,926,000 | 1,805 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0819% | 5,519 |
| Cost of funding earning assets | 0.9651% | 2,195 |
| Net interest margin | 3.1167% | 5,994 |
| Noninterest income to average assets | -0.1707% | 7,190 |
| Noninterest expense to average assets | 4.3267% | 638 |
| Loan and lease loss provision to assets | 0.0013% | 5,244 |
| Net operating income to assets | -1.6639% | 7,121 |
| Return on assets (ROA) | -1.6639% | 7,124 |
| Pretax return on assets | -1.6639% | 7,101 |
| Return on Equity (ROE) | -78.4208% | 7,258 |
| Retained earnings to average equity (ytd only) | -78.4208% | 7,254 |
| Net charge-offs to loans | 2.0324% | 456 |
| Credit loss provision to net charge-offs | 0.0842% | 3,996 |
| Earnings coverage of net charge-offs (x) | -1.0994% | 4,562 |
| Efficiency ratio | 162.4103% | 75 |
| Assets per employee ($millions) | 4.9165% | 2,362 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4121% | 124 |
| Loan loss allowance to noncurrent loans | 22.3519% | 6,480 |
| Noncurrent assets plus other real estate owned to assets | 24.7053% | 18 |
| Noncurrent loans to loans | 24.2131% | 23 |
| Net loans and leases to total assets | 69.1437% | 1,924 |
| Net loans and leases to deposits | 72.6094% | 3,341 |
| Net loans and leases to core deposits | 79.4525% | 3,118 |
| Total domestic deposits to total assets | 95.2269% | 53 |
| Equity capital to assets | 2.0285% | 7,280 |
| Core capital (leverage) ratio | 2.0274% | 7,282 |
| Tier 1 risk-based capital ratio | 2.6521% | 7,286 |
| Total risk-based capital ratio | 3.9505% | 7,285 |
| Memoranda: | ||
| Average total assets | $313,956,500 | 2,069 |
| Average earning assets | $285,554,000 | 2,094 |
| Average equity | $6,661,500 | 5,977 |
| Average total loans | $233,614,500 | 1,764 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0666% | 6,325 |
| Cost of funding earning assets | 1.1138% | 2,582 |
| Net interest margin | 2.9528% | 6,605 |
| Noninterest income to average assets | -0.5075% | 7,267 |
| Noninterest expense to average assets | 3.5949% | 1,755 |
| Loan and lease loss provision to assets | 0.8590% | 1,129 |
| Net operating income to assets | -2.3260% | 7,085 |
| Return on assets (ROA) | -2.3260% | 7,097 |
| Pretax return on assets | -2.2214% | 7,070 |
| Return on Equity (ROE) | -103.6431% | 7,314 |
| Retained earnings to average equity (ytd only) | -103.6431% | 7,314 |
| Net charge-offs to loans | 5.3875% | 63 |
| Credit loss provision to net charge-offs | 20.0989% | 5,918 |
| Earnings coverage of net charge-offs (x) | -0.3188% | 6,015 |
| Efficiency ratio | 161.0297% | 113 |
| Assets per employee ($millions) | 5.2160% | 1,927 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.5812% | 122 |
| Loan loss allowance to noncurrent loans | 21.7100% | 6,559 |
| Noncurrent assets plus other real estate owned to assets | 24.6997% | 21 |
| Noncurrent loans to loans | 25.7078% | 24 |
| Net loans and leases to total assets | 71.4609% | 1,736 |
| Net loans and leases to deposits | 75.3627% | 3,285 |
| Net loans and leases to core deposits | 82.7110% | 3,074 |
| Total domestic deposits to total assets | 94.8226% | 66 |
| Equity capital to assets | 2.2126% | 7,313 |
| Core capital (leverage) ratio | 2.1565% | 7,312 |
| Tier 1 risk-based capital ratio | 2.9003% | 7,319 |
| Total risk-based capital ratio | 4.2034% | 7,318 |
| Memoranda: | ||
| Average total assets | $345,406,400 | 1,876 |
| Average earning assets | $320,510,800 | 1,839 |
| Average equity | $7,751,600 | 5,643 |
| Average total loans | $274,004,000 | 1,544 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0792% | 6,452 |
| Cost of funding earning assets | 1.1349% | 2,737 |
| Net interest margin | 2.9444% | 6,682 |
| Noninterest income to average assets | -0.4054% | 7,325 |
| Noninterest expense to average assets | 3.5981% | 1,714 |
| Loan and lease loss provision to assets | 1.1228% | 721 |
| Net operating income to assets | -2.5287% | 7,211 |
| Return on assets (ROA) | -2.5287% | 7,221 |
| Pretax return on assets | -2.3920% | 7,183 |
| Return on Equity (ROE) | -112.3203% | 7,389 |
| Retained earnings to average equity (ytd only) | -112.3203% | 7,389 |
| Net charge-offs to loans | 5.4271% | 76 |
| Credit loss provision to net charge-offs | 25.8115% | 5,478 |
| Earnings coverage of net charge-offs (x) | -0.2918% | 5,765 |
| Efficiency ratio | 154.5026% | 121 |
| Assets per employee ($millions) | 5.4362% | 1,658 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.4536% | 68 |
| Loan loss allowance to noncurrent loans | 23.4181% | 6,556 |
| Noncurrent assets plus other real estate owned to assets | 26.1324% | 18 |
| Noncurrent loans to loans | 27.5582% | 19 |
| Net loans and leases to total assets | 71.8649% | 1,737 |
| Net loans and leases to deposits | 76.5926% | 3,227 |
| Net loans and leases to core deposits | 86.5919% | 2,699 |
| Total domestic deposits to total assets | 93.8275% | 91 |
| Equity capital to assets | 2.0158% | 7,404 |
| Core capital (leverage) ratio | 2.0146% | 7,401 |
| Tier 1 risk-based capital ratio | 2.6120% | 7,407 |
| Total risk-based capital ratio | 3.9258% | 7,407 |
| Memoranda: | ||
| Average total assets | $352,214,500 | 1,847 |
| Average earning assets | $327,080,500 | 1,818 |
| Average equity | $7,929,500 | 5,622 |
| Average total loans | $282,302,500 | 1,524 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1074% | 6,481 |
| Cost of funding earning assets | 1.1385% | 2,976 |
| Net interest margin | 2.9689% | 6,660 |
| Noninterest income to average assets | -0.3342% | 7,390 |
| Noninterest expense to average assets | 3.5793% | 1,788 |
| Loan and lease loss provision to assets | 0.2256% | 3,658 |
| Net operating income to assets | -1.5736% | 7,117 |
| Return on assets (ROA) | -1.5736% | 7,130 |
| Pretax return on assets | -1.3715% | 7,021 |
| Return on Equity (ROE) | -67.6697% | 7,395 |
| Retained earnings to average equity (ytd only) | -67.6697% | 7,392 |
| Net charge-offs to loans | 3.7002% | 236 |
| Credit loss provision to net charge-offs | 7.5089% | 5,271 |
| Earnings coverage of net charge-offs (x) | -0.3814% | 5,490 |
| Efficiency ratio | 147.0899% | 167 |
| Assets per employee ($millions) | 5.5559% | 1,521 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.3831% | 46 |
| Loan loss allowance to noncurrent loans | 25.2674% | 6,510 |
| Noncurrent assets plus other real estate owned to assets | 27.4756% | 18 |
| Noncurrent loans to loans | 29.2197% | 16 |
| Net loans and leases to total assets | 73.8215% | 1,448 |
| Net loans and leases to deposits | 81.4481% | 2,528 |
| Net loans and leases to core deposits | 94.3713% | 1,856 |
| Total domestic deposits to total assets | 90.6362% | 662 |
| Equity capital to assets | 2.3988% | 7,458 |
| Core capital (leverage) ratio | 2.4024% | 7,458 |
| Tier 1 risk-based capital ratio | 3.0654% | 7,463 |
| Total risk-based capital ratio | 4.3928% | 7,463 |
| Memoranda: | ||
| Average total assets | $357,272,000 | 1,838 |
| Average earning assets | $333,057,670 | 1,791 |
| Average equity | $8,308,000 | 5,517 |
| Average total loans | $290,095,000 | 1,501 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1797% | 6,324 |
| Cost of funding earning assets | 1.1535% | 3,140 |
| Net interest margin | 3.0262% | 6,516 |
| Noninterest income to average assets | -0.1529% | 7,410 |
| Noninterest expense to average assets | 3.4470% | 2,149 |
| Loan and lease loss provision to assets | 0.0022% | 5,830 |
| Net operating income to assets | -0.7655% | 6,942 |
| Return on assets (ROA) | -0.7655% | 6,950 |
| Pretax return on assets | -0.7655% | 6,898 |
| Return on Equity (ROE) | -33.4194% | 7,347 |
| Retained earnings to average equity (ytd only) | -33.4194% | 7,323 |
| Net charge-offs to loans | 4.8291% | 157 |
| Credit loss provision to net charge-offs | 0.0556% | 4,478 |
| Earnings coverage of net charge-offs (x) | -0.1930% | 4,693 |
| Efficiency ratio | 128.4426% | 271 |
| Assets per employee ($millions) | 5.3318% | 1,737 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.5473% | 46 |
| Loan loss allowance to noncurrent loans | 27.8033% | 6,418 |
| Noncurrent assets plus other real estate owned to assets | 26.2810% | 19 |
| Noncurrent loans to loans | 27.1453% | 24 |
| Net loans and leases to total assets | 75.3328% | 1,132 |
| Net loans and leases to deposits | 83.6463% | 2,087 |
| Net loans and leases to core deposits | 99.5505% | 1,377 |
| Total domestic deposits to total assets | 90.0611% | 1,116 |
| Equity capital to assets | 2.2671% | 7,514 |
| Core capital (leverage) ratio | 2.2035% | 7,518 |
| Tier 1 risk-based capital ratio | 2.8521% | 7,527 |
| Total risk-based capital ratio | 4.1824% | 7,525 |
| Memoranda: | ||
| Average total assets | $363,675,000 | 1,808 |
| Average earning assets | $340,889,500 | 1,768 |
| Average equity | $8,330,500 | 5,509 |
| Average total loans | $297,862,000 | 1,474 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1762% | 6,961 |
| Cost of funding earning assets | 1.5330% | 2,459 |
| Net interest margin | 2.6432% | 7,175 |
| Noninterest income to average assets | -1.3101% | 7,637 |
| Noninterest expense to average assets | 4.7218% | 537 |
| Loan and lease loss provision to assets | 7.1582% | 26 |
| Net operating income to assets | -11.3619% | 7,645 |
| Return on assets (ROA) | -11.3619% | 7,645 |
| Pretax return on assets | -10.7474% | 7,643 |
| Return on Equity (ROE) | -256.9079% | 7,653 |
| Retained earnings to average equity (ytd only) | -256.9079% | 7,653 |
| Net charge-offs to loans | 5.6492% | 118 |
| Credit loss provision to net charge-offs | 168.8345% | 2,010 |
| Earnings coverage of net charge-offs (x) | -0.8466% | 6,568 |
| Efficiency ratio | 283.8603% | 32 |
| Assets per employee ($millions) | 5.4413% | 1,638 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.1670% | 40 |
| Loan loss allowance to noncurrent loans | 30.7590% | 6,246 |
| Noncurrent assets plus other real estate owned to assets | 25.1307% | 26 |
| Noncurrent loans to loans | 26.5517% | 30 |
| Net loans and leases to total assets | 75.5764% | 1,353 |
| Net loans and leases to deposits | 83.0249% | 2,625 |
| Net loans and leases to core deposits | 100.4368% | 1,581 |
| Total domestic deposits to total assets | 91.0286% | 590 |
| Equity capital to assets | 2.3127% | 7,602 |
| Core capital (leverage) ratio | 2.0578% | 7,609 |
| Tier 1 risk-based capital ratio | 2.9264% | 7,606 |
| Total risk-based capital ratio | 4.2661% | 7,605 |
| Memoranda: | ||
| Average total assets | $455,143,400 | 1,459 |
| Average earning assets | $420,622,200 | 1,440 |
| Average equity | $20,129,000 | 3,131 |
| Average total loans | $341,586,200 | 1,310 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1780% | 7,121 |
| Cost of funding earning assets | 1.5577% | 2,623 |
| Net interest margin | 2.6203% | 7,300 |
| Noninterest income to average assets | -1.6129% | 7,748 |
| Noninterest expense to average assets | 3.0137% | 3,692 |
| Loan and lease loss provision to assets | 6.4573% | 37 |
| Net operating income to assets | -9.4570% | 7,742 |
| Return on assets (ROA) | -9.4570% | 7,741 |
| Pretax return on assets | -8.6720% | 7,733 |
| Return on Equity (ROE) | -195.4150% | 7,745 |
| Retained earnings to average equity (ytd only) | -195.4150% | 7,745 |
| Net charge-offs to loans | 5.3837% | 145 |
| Credit loss provision to net charge-offs | 162.9231% | 2,309 |
| Earnings coverage of net charge-offs (x) | -0.5588% | 6,347 |
| Efficiency ratio | 377.1689% | 16 |
| Assets per employee ($millions) | 5.8137% | 1,383 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.3800% | 94 |
| Loan loss allowance to noncurrent loans | 27.9810% | 6,450 |
| Noncurrent assets plus other real estate owned to assets | 18.8354% | 78 |
| Noncurrent loans to loans | 22.8012% | 50 |
| Net loans and leases to total assets | 66.5768% | 3,550 |
| Net loans and leases to deposits | 73.3733% | 4,622 |
| Net loans and leases to core deposits | 89.7638% | 3,133 |
| Total domestic deposits to total assets | 90.7371% | 535 |
| Equity capital to assets | 3.5923% | 7,662 |
| Core capital (leverage) ratio | 2.0895% | 7,716 |
| Tier 1 risk-based capital ratio | 2.9701% | 7,707 |
| Total risk-based capital ratio | 4.2840% | 7,708 |
| Memoranda: | ||
| Average total assets | $475,067,000 | 1,428 |
| Average earning assets | $437,300,250 | 1,407 |
| Average equity | $22,990,500 | 2,809 |
| Average total loans | $349,736,250 | 1,296 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1424% | 7,239 |
| Cost of funding earning assets | 1.5704% | 2,831 |
| Net interest margin | 2.5719% | 7,373 |
| Noninterest income to average assets | -1.3874% | 7,807 |
| Noninterest expense to average assets | 2.9551% | 3,875 |
| Loan and lease loss provision to assets | 6.3698% | 69 |
| Net operating income to assets | -9.5106% | 7,803 |
| Return on assets (ROA) | -9.5106% | 7,803 |
| Pretax return on assets | -8.3460% | 7,788 |
| Return on Equity (ROE) | -181.6069% | 7,794 |
| Retained earnings to average equity (ytd only) | -181.6069% | 7,794 |
| Net charge-offs to loans | 6.3255% | 115 |
| Credit loss provision to net charge-offs | 135.3207% | 2,962 |
| Earnings coverage of net charge-offs (x) | -0.4198% | 5,989 |
| Efficiency ratio | 301.8715% | 41 |
| Assets per employee ($millions) | 6.0313% | 1,204 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6630% | 231 |
| Loan loss allowance to noncurrent loans | 21.4142% | 6,873 |
| Noncurrent assets plus other real estate owned to assets | 17.9663% | 80 |
| Noncurrent loans to loans | 21.7752% | 58 |
| Net loans and leases to total assets | 68.4197% | 3,264 |
| Net loans and leases to deposits | 75.2508% | 4,477 |
| Net loans and leases to core deposits | 95.0793% | 2,578 |
| Total domestic deposits to total assets | 90.9223% | 518 |
| Equity capital to assets | 3.4831% | 7,727 |
| Core capital (leverage) ratio | 2.0679% | 7,774 |
| Tier 1 risk-based capital ratio | 2.7946% | 7,779 |
| Total risk-based capital ratio | 4.0858% | 7,779 |
| Memoranda: | ||
| Average total assets | $480,328,330 | 1,425 |
| Average earning assets | $441,922,670 | 1,403 |
| Average equity | $25,154,330 | 2,572 |
| Average total loans | $357,443,670 | 1,281 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2277% | 7,227 |
| Cost of funding earning assets | 1.6105% | 2,893 |
| Net interest margin | 2.6172% | 7,376 |
| Noninterest income to average assets | -0.8046% | 7,886 |
| Noninterest expense to average assets | 3.1170% | 3,198 |
| Loan and lease loss provision to assets | 6.5517% | 97 |
| Net operating income to assets | -7.7801% | 7,862 |
| Return on assets (ROA) | -7.7801% | 7,863 |
| Pretax return on assets | -8.0646% | 7,862 |
| Return on Equity (ROE) | -127.4738% | 7,854 |
| Retained earnings to average equity (ytd only) | -127.4738% | 7,851 |
| Net charge-offs to loans | 4.7548% | 259 |
| Credit loss provision to net charge-offs | 181.9627% | 2,009 |
| Earnings coverage of net charge-offs (x) | -0.4202% | 5,255 |
| Efficiency ratio | 194.3123% | 102 |
| Assets per employee ($millions) | 6.2769% | 1,092 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3137% | 289 |
| Loan loss allowance to noncurrent loans | 19.6073% | 7,036 |
| Noncurrent assets plus other real estate owned to assets | 18.5728% | 76 |
| Noncurrent loans to loans | 22.0003% | 60 |
| Net loans and leases to total assets | 72.1194% | 2,423 |
| Net loans and leases to deposits | 81.7799% | 3,321 |
| Net loans and leases to core deposits | 111.9964% | 1,163 |
| Total domestic deposits to total assets | 88.1871% | 1,954 |
| Equity capital to assets | 5.4485% | 7,680 |
| Core capital (leverage) ratio | 3.6637% | 7,804 |
| Tier 1 risk-based capital ratio | 4.7498% | 7,816 |
| Total risk-based capital ratio | 6.0368% | 7,817 |
| Memoranda: | ||
| Average total assets | $482,255,000 | 1,452 |
| Average earning assets | $443,839,500 | 1,433 |
| Average equity | $29,433,500 | 2,249 |
| Average total loans | $365,191,500 | 1,293 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6581% | 3,304 |
| Cost of funding earning assets | 1.8413% | 3,777 |
| Net interest margin | 3.8168% | 3,634 |
| Noninterest income to average assets | 0.4838% | 4,535 |
| Noninterest expense to average assets | 4.3070% | 979 |
| Loan and lease loss provision to assets | 4.0733% | 322 |
| Net operating income to assets | -2.8704% | 7,365 |
| Return on assets (ROA) | -2.8704% | 7,373 |
| Pretax return on assets | -4.3410% | 7,610 |
| Return on Equity (ROE) | -28.5946% | 7,379 |
| Retained earnings to average equity (ytd only) | -28.5946% | 7,360 |
| Net charge-offs to loans | 3.4122% | 579 |
| Credit loss provision to net charge-offs | 137.2881% | 3,588 |
| Earnings coverage of net charge-offs (x) | -0.0902% | 6,324 |
| Efficiency ratio | 106.6285% | 892 |
| Assets per employee ($millions) | 3.2756% | 5,550 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8410% | 887 |
| Loan loss allowance to noncurrent loans | 17.3145% | 7,170 |
| Noncurrent assets plus other real estate owned to assets | 14.9659% | 138 |
| Noncurrent loans to loans | 16.4080% | 129 |
| Net loans and leases to total assets | 77.8518% | 1,420 |
| Net loans and leases to deposits | 92.1462% | 1,873 |
| Net loans and leases to core deposits | 121.9706% | 1,782 |
| Total domestic deposits to total assets | 84.4872% | 3,800 |
| Equity capital to assets | 8.0172% | 6,565 |
| Core capital (leverage) ratio | 5.0785% | 7,760 |
| Tier 1 risk-based capital ratio | 6.2459% | 7,803 |
| Total risk-based capital ratio | 7.5143% | 7,807 |
| Memoranda: | ||
| Average total assets | $73,577,400 | 5,902 |
| Average earning assets | $68,538,400 | 5,850 |
| Average equity | $7,386,000 | 6,134 |
| Average total loans | $63,977,200 | 5,104 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0725% | 1,751 |
| Cost of funding earning assets | 1.8371% | 4,213 |
| Net interest margin | 4.2353% | 1,925 |
| Noninterest income to average assets | 0.5797% | 3,856 |
| Noninterest expense to average assets | 4.2987% | 916 |
| Loan and lease loss provision to assets | 2.8384% | 547 |
| Net operating income to assets | -2.4210% | 7,451 |
| Return on assets (ROA) | -2.4210% | 7,443 |
| Pretax return on assets | -2.5941% | 7,383 |
| Return on Equity (ROE) | -22.9281% | 7,465 |
| Retained earnings to average equity (ytd only) | -22.9281% | 7,436 |
| Net charge-offs to loans | 0.7521% | 2,480 |
| Credit loss provision to net charge-offs | 425.4098% | 933 |
| Earnings coverage of net charge-offs (x) | 0.3661% | 5,659 |
| Efficiency ratio | 94.6228% | 1,363 |
| Assets per employee ($millions) | 3.9162% | 3,900 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2944% | 508 |
| Loan loss allowance to noncurrent loans | 31.0801% | 6,375 |
| Noncurrent assets plus other real estate owned to assets | 10.6884% | 297 |
| Noncurrent loans to loans | 10.5998% | 354 |
| Net loans and leases to total assets | 82.5301% | 739 |
| Net loans and leases to deposits | 102.3739% | 899 |
| Net loans and leases to core deposits | 139.2494% | 950 |
| Total domestic deposits to total assets | 80.6163% | 5,213 |
| Equity capital to assets | 9.1711% | 5,216 |
| Core capital (leverage) ratio | 6.9031% | 7,487 |
| Tier 1 risk-based capital ratio | 7.7464% | 7,829 |
| Total risk-based capital ratio | 9.0215% | 7,834 |
| Memoranda: | ||
| Average total assets | $73,137,250 | 5,947 |
| Average earning assets | $68,438,250 | 5,899 |
| Average equity | $7,722,500 | 6,078 |
| Average total loans | $64,879,750 | 5,111 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1338% | 1,674 |
| Cost of funding earning assets | 1.8340% | 4,589 |
| Net interest margin | 4.2998% | 1,657 |
| Noninterest income to average assets | 0.8609% | 2,145 |
| Noninterest expense to average assets | 4.4091% | 851 |
| Loan and lease loss provision to assets | 0.3933% | 3,559 |
| Net operating income to assets | 0.0633% | 5,669 |
| Return on assets (ROA) | 0.0633% | 5,759 |
| Pretax return on assets | 0.1018% | 5,669 |
| Return on Equity (ROE) | 0.5734% | 5,767 |
| Retained earnings to average equity (ytd only) | 0.5734% | 4,968 |
| Net charge-offs to loans | 0.3489% | 3,443 |
| Credit loss provision to net charge-offs | 125.4386% | 3,705 |
| Earnings coverage of net charge-offs (x) | 1.5789% | 4,355 |
| Efficiency ratio | 89.9047% | 1,825 |
| Assets per employee ($millions) | 3.4060% | 5,048 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4113% | 3,664 |
| Loan loss allowance to noncurrent loans | 12.1600% | 7,453 |
| Noncurrent assets plus other real estate owned to assets | 10.8939% | 236 |
| Noncurrent loans to loans | 11.6058% | 246 |
| Net loans and leases to total assets | 90.8313% | 100 |
| Net loans and leases to deposits | 118.2957% | 273 |
| Net loans and leases to core deposits | 171.0044% | 312 |
| Total domestic deposits to total assets | 76.7833% | 6,381 |
| Equity capital to assets | 11.0687% | 2,858 |
| Core capital (leverage) ratio | 9.0115% | 4,607 |
| Tier 1 risk-based capital ratio | 9.5441% | 7,351 |
| Total risk-based capital ratio | 10.7958% | 7,313 |
| Memoranda: | ||
| Average total assets | $72,713,670 | 6,012 |
| Average earning assets | $68,375,670 | 5,938 |
| Average equity | $8,022,000 | 6,018 |
| Average total loans | $65,339,330 | 5,130 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2578% | 1,416 |
| Cost of funding earning assets | 1.7673% | 5,279 |
| Net interest margin | 4.4906% | 1,145 |
| Noninterest income to average assets | 0.7912% | 2,372 |
| Noninterest expense to average assets | 4.2015% | 939 |
| Loan and lease loss provision to assets | -0.2674% | 8,218 |
| Net operating income to assets | 0.7148% | 3,478 |
| Return on assets (ROA) | 0.7148% | 3,677 |
| Pretax return on assets | 1.0858% | 3,042 |
| Return on Equity (ROE) | 6.4896% | 3,818 |
| Retained earnings to average equity (ytd only) | 6.4896% | 2,418 |
| Net charge-offs to loans | 0.0984% | 4,191 |
| Credit loss provision to net charge-offs | -306.2500% | 6,335 |
| Earnings coverage of net charge-offs (x) | 9.3750% | 2,065 |
| Efficiency ratio | 83.6957% | 2,339 |
| Assets per employee ($millions) | 3.4724% | 4,887 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2810% | 4,188 |
| Loan loss allowance to noncurrent loans | 14.0457% | 7,431 |
| Noncurrent assets plus other real estate owned to assets | 8.3597% | 333 |
| Noncurrent loans to loans | 9.1199% | 348 |
| Net loans and leases to total assets | 88.3531% | 237 |
| Net loans and leases to deposits | 114.5814% | 425 |
| Net loans and leases to core deposits | 156.5116% | 555 |
| Total domestic deposits to total assets | 77.1095% | 6,249 |
| Equity capital to assets | 11.0873% | 2,894 |
| Core capital (leverage) ratio | 9.1894% | 4,423 |
| Tier 1 risk-based capital ratio | 9.7697% | 7,180 |
| Total risk-based capital ratio | 11.0205% | 7,084 |
| Memoranda: | ||
| Average total assets | $73,307,500 | 6,018 |
| Average earning assets | $69,033,500 | 5,947 |
| Average equity | $8,074,500 | 6,029 |
| Average total loans | $65,060,000 | 5,165 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6857% | 2,079 |
| Cost of funding earning assets | 2.2266% | 5,473 |
| Net interest margin | 4.4591% | 1,518 |
| Noninterest income to average assets | 0.4931% | 4,657 |
| Noninterest expense to average assets | 4.1261% | 1,234 |
| Loan and lease loss provision to assets | 0.4183% | 3,191 |
| Net operating income to assets | 0.0609% | 6,205 |
| Return on assets (ROA) | 0.0609% | 6,059 |
| Pretax return on assets | 0.1039% | 5,930 |
| Return on Equity (ROE) | 0.5150% | 6,068 |
| Retained earnings to average equity (ytd only) | -6.5546% | 6,732 |
| Net charge-offs to loans | 0.2368% | 3,879 |
| Credit loss provision to net charge-offs | 198.6842% | 2,459 |
| Earnings coverage of net charge-offs (x) | 2.4803% | 4,834 |
| Efficiency ratio | 88.7664% | 1,609 |
| Assets per employee ($millions) | 3.3497% | 5,091 |
| Cash dividends to net income (ytd only)* | 1,372.7273% | 24 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3892% | 3,260 |
| Loan loss allowance to noncurrent loans | 20.4819% | 7,214 |
| Noncurrent assets plus other real estate owned to assets | 6.1647% | 469 |
| Noncurrent loans to loans | 6.7827% | 465 |
| Net loans and leases to total assets | 86.7845% | 499 |
| Net loans and leases to deposits | 112.2333% | 694 |
| Net loans and leases to core deposits | 136.8724% | 1,442 |
| Total domestic deposits to total assets | 77.3252% | 5,912 |
| Equity capital to assets | 10.9425% | 3,088 |
| Core capital (leverage) ratio | 8.7803% | 5,068 |
| Tier 1 risk-based capital ratio | 9.4697% | 7,344 |
| Total risk-based capital ratio | 10.7205% | 7,258 |
| Memoranda: | ||
| Average total assets | $72,198,800 | 5,956 |
| Average earning assets | $67,278,200 | 5,917 |
| Average equity | $8,543,600 | 5,893 |
| Average total loans | $64,202,200 | 5,094 |