Home > Central Virginia Bank > Performance and Condition Ratios
Central Virginia 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 | 0.9974% | 6,776 |
| Cost of funding earning assets | 0.0641% | 6,737 |
| Net interest margin | 0.9333% | 6,763 |
| Noninterest income to average assets | 0.1790% | 6,010 |
| Noninterest expense to average assets | 0.7411% | 6,775 |
| Loan and lease loss provision to assets | 0.0080% | 4,962 |
| Net operating income to assets | 0.1744% | 5,882 |
| Return on assets (ROA) | 0.1744% | 5,952 |
| Pretax return on assets | 0.2687% | 5,807 |
| Return on Equity (ROE) | 3.3285% | 5,392 |
| Retained earnings to average equity (ytd only) | 3.3285% | 3,868 |
| Net charge-offs to loans | -0.0029% | 5,876 |
| Credit loss provision to net charge-offs | -600.0000% | 6,165 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8086% | 3,331 |
| Assets per employee ($millions) | 4.3883% | 3,107 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0247% | 6,744 |
| Loan loss allowance to noncurrent loans | 1.1745% | 6,301 |
| Noncurrent assets plus other real estate owned to assets | 1.0627% | 3,288 |
| Noncurrent loans to loans | 2.1065% | 1,878 |
| Net loans and leases to total assets | 40.7957% | 5,906 |
| Net loans and leases to deposits | 45.8368% | 6,024 |
| Net loans and leases to core deposits | 46.1864% | 6,130 |
| Total domestic deposits to total assets | 89.0019% | 1,623 |
| Equity capital to assets | 10.0162% | 3,748 |
| Core capital (leverage) ratio | 6.1799% | 6,633 |
| Tier 1 risk-based capital ratio | 12.9641% | 4,995 |
| Total risk-based capital ratio | 12.9861% | 5,714 |
| Memoranda: | ||
| Average total assets | $373,227,000 | 1,751 |
| Average earning assets | $335,466,600 | 1,769 |
| Average equity | $19,558,400 | 3,203 |
| Average total loans | $174,526,600 | 2,254 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4197% | 5,842 |
| Cost of funding earning assets | 1.0539% | 386 |
| Net interest margin | 2.3658% | 6,542 |
| Noninterest income to average assets | 0.7195% | 2,511 |
| Noninterest expense to average assets | 3.2221% | 2,293 |
| Loan and lease loss provision to assets | 0.2457% | 1,457 |
| Net operating income to assets | -0.5956% | 6,625 |
| Return on assets (ROA) | -0.5883% | 6,638 |
| Pretax return on assets | -0.5883% | 6,624 |
| Return on Equity (ROE) | -14.1727% | 6,728 |
| Retained earnings to average equity (ytd only) | -14.1727% | 6,697 |
| Net charge-offs to loans | 1.0460% | 544 |
| Credit loss provision to net charge-offs | 48.8145% | 3,538 |
| Earnings coverage of net charge-offs (x) | -0.6953% | 4,976 |
| Efficiency ratio | 112.0494% | 238 |
| Assets per employee ($millions) | 4.7408% | 2,522 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7566% | 275 |
| Loan loss allowance to noncurrent loans | 30.7299% | 5,965 |
| Noncurrent assets plus other real estate owned to assets | 6.1917% | 370 |
| Noncurrent loans to loans | 12.2244% | 75 |
| Net loans and leases to total assets | 44.5701% | 5,675 |
| Net loans and leases to deposits | 52.3959% | 5,680 |
| Net loans and leases to core deposits | 52.8302% | 5,841 |
| Total domestic deposits to total assets | 85.0641% | 3,720 |
| Equity capital to assets | 3.1259% | 6,843 |
| Core capital (leverage) ratio | 5.5205% | 6,757 |
| Tier 1 risk-based capital ratio | 10.4770% | 6,460 |
| Total risk-based capital ratio | 11.7518% | 6,424 |
| Memoranda: | ||
| Average total assets | $379,864,000 | 1,735 |
| Average earning assets | $345,638,000 | 1,744 |
| Average equity | $15,767,000 | 3,780 |
| Average total loans | $182,792,000 | 2,174 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4729% | 5,746 |
| Cost of funding earning assets | 1.0571% | 415 |
| Net interest margin | 2.4158% | 6,541 |
| Noninterest income to average assets | 0.7207% | 2,546 |
| Noninterest expense to average assets | 2.9398% | 3,202 |
| Loan and lease loss provision to assets | 0.1566% | 2,359 |
| Net operating income to assets | -0.1801% | 6,482 |
| Return on assets (ROA) | -0.1696% | 6,503 |
| Pretax return on assets | -0.1696% | 6,476 |
| Return on Equity (ROE) | -3.7857% | 6,609 |
| Retained earnings to average equity (ytd only) | -3.7857% | 6,374 |
| Net charge-offs to loans | 1.0780% | 560 |
| Credit loss provision to net charge-offs | 29.8211% | 3,590 |
| Earnings coverage of net charge-offs (x) | -0.0447% | 4,564 |
| Efficiency ratio | 100.6800% | 466 |
| Assets per employee ($millions) | 4.7015% | 2,511 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6115% | 340 |
| Loan loss allowance to noncurrent loans | 28.9686% | 6,056 |
| Noncurrent assets plus other real estate owned to assets | 6.3222% | 415 |
| Noncurrent loans to loans | 12.4669% | 85 |
| Net loans and leases to total assets | 45.8403% | 5,553 |
| Net loans and leases to deposits | 54.0342% | 5,519 |
| Net loans and leases to core deposits | 54.4742% | 5,714 |
| Total domestic deposits to total assets | 84.8357% | 3,976 |
| Equity capital to assets | 3.7068% | 6,875 |
| Core capital (leverage) ratio | 5.7563% | 6,771 |
| Tier 1 risk-based capital ratio | 10.8656% | 6,390 |
| Total risk-based capital ratio | 12.1398% | 6,352 |
| Memoranda: | ||
| Average total assets | $383,223,330 | 1,729 |
| Average earning assets | $348,297,000 | 1,734 |
| Average equity | $17,169,670 | 3,598 |
| Average total loans | $186,640,330 | 2,139 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6220% | 5,384 |
| Cost of funding earning assets | 1.0622% | 449 |
| Net interest margin | 2.5598% | 6,424 |
| Noninterest income to average assets | 0.6712% | 2,752 |
| Noninterest expense to average assets | 2.8937% | 3,372 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.1003% | 6,148 |
| Return on assets (ROA) | 0.1138% | 6,215 |
| Pretax return on assets | 0.1138% | 6,233 |
| Return on Equity (ROE) | 2.3425% | 5,832 |
| Retained earnings to average equity (ytd only) | 2.3425% | 4,852 |
| Net charge-offs to loans | 0.5438% | 1,112 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 0.3745% | 3,688 |
| Efficiency ratio | 96.5458% | 701 |
| Assets per employee ($millions) | 4.7217% | 2,612 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7064% | 357 |
| Loan loss allowance to noncurrent loans | 32.1946% | 5,944 |
| Noncurrent assets plus other real estate owned to assets | 6.5527% | 456 |
| Noncurrent loans to loans | 11.5126% | 149 |
| Net loans and leases to total assets | 46.3531% | 5,403 |
| Net loans and leases to deposits | 55.1011% | 5,339 |
| Net loans and leases to core deposits | 55.5392% | 5,553 |
| Total domestic deposits to total assets | 84.1237% | 4,423 |
| Equity capital to assets | 4.8210% | 6,900 |
| Core capital (leverage) ratio | 5.8277% | 6,820 |
| Tier 1 risk-based capital ratio | 10.3936% | 6,606 |
| Total risk-based capital ratio | 11.6624% | 6,587 |
| Memoranda: | ||
| Average total assets | $386,775,500 | 1,730 |
| Average earning assets | $350,966,000 | 1,734 |
| Average equity | $18,783,500 | 3,405 |
| Average total loans | $190,523,500 | 2,106 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1005% | 4,948 |
| Cost of funding earning assets | 1.2274% | 506 |
| Net interest margin | 2.8731% | 6,275 |
| Noninterest income to average assets | 0.7664% | 2,411 |
| Noninterest expense to average assets | 3.1403% | 2,808 |
| Loan and lease loss provision to assets | 0.6943% | 743 |
| Net operating income to assets | -0.4867% | 6,555 |
| Return on assets (ROA) | 0.1693% | 6,016 |
| Pretax return on assets | 0.1693% | 6,039 |
| Return on Equity (ROE) | 3.6162% | 5,303 |
| Retained earnings to average equity (ytd only) | 3.6162% | 3,662 |
| Net charge-offs to loans | 2.3408% | 277 |
| Credit loss provision to net charge-offs | 55.6036% | 4,558 |
| Earnings coverage of net charge-offs (x) | 0.1663% | 5,404 |
| Efficiency ratio | 93.6837% | 813 |
| Assets per employee ($millions) | 4.8296% | 2,450 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6817% | 364 |
| Loan loss allowance to noncurrent loans | 31.6298% | 6,001 |
| Noncurrent assets plus other real estate owned to assets | 7.8001% | 371 |
| Noncurrent loans to loans | 11.6398% | 159 |
| Net loans and leases to total assets | 48.5290% | 5,357 |
| Net loans and leases to deposits | 57.7838% | 5,264 |
| Net loans and leases to core deposits | 58.2433% | 5,521 |
| Total domestic deposits to total assets | 83.9837% | 4,321 |
| Equity capital to assets | 4.8920% | 6,957 |
| Core capital (leverage) ratio | 5.7147% | 6,879 |
| Tier 1 risk-based capital ratio | 9.8535% | 6,735 |
| Total risk-based capital ratio | 11.1226% | 6,700 |
| Memoranda: | ||
| Average total assets | $388,718,600 | 1,682 |
| Average earning assets | $349,270,600 | 1,709 |
| Average equity | $18,195,800 | 3,442 |
| Average total loans | $207,363,200 | 1,945 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1806% | 4,884 |
| Cost of funding earning assets | 1.2553% | 545 |
| Net interest margin | 2.9252% | 6,308 |
| Noninterest income to average assets | 0.7562% | 2,444 |
| Noninterest expense to average assets | 3.1286% | 2,800 |
| Loan and lease loss provision to assets | 0.7103% | 712 |
| Net operating income to assets | -0.4586% | 6,680 |
| Return on assets (ROA) | 0.3377% | 5,683 |
| Pretax return on assets | 0.3377% | 5,875 |
| Return on Equity (ROE) | 7.2956% | 3,640 |
| Retained earnings to average equity (ytd only) | 7.2956% | 1,947 |
| Net charge-offs to loans | 2.5718% | 239 |
| Credit loss provision to net charge-offs | 51.0712% | 4,380 |
| Earnings coverage of net charge-offs (x) | 0.1810% | 5,239 |
| Efficiency ratio | 92.4417% | 863 |
| Assets per employee ($millions) | 4.8150% | 2,424 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6994% | 395 |
| Loan loss allowance to noncurrent loans | 32.4185% | 6,019 |
| Noncurrent assets plus other real estate owned to assets | 7.7336% | 409 |
| Noncurrent loans to loans | 11.4114% | 188 |
| Net loans and leases to total assets | 49.5692% | 5,359 |
| Net loans and leases to deposits | 59.0949% | 5,308 |
| Net loans and leases to core deposits | 59.4724% | 5,608 |
| Total domestic deposits to total assets | 83.8806% | 4,281 |
| Equity capital to assets | 4.9953% | 7,050 |
| Core capital (leverage) ratio | 5.8335% | 6,958 |
| Tier 1 risk-based capital ratio | 10.0141% | 6,795 |
| Total risk-based capital ratio | 11.2890% | 6,769 |
| Memoranda: | ||
| Average total assets | $389,306,000 | 1,703 |
| Average earning assets | $349,227,250 | 1,724 |
| Average equity | $18,019,500 | 3,497 |
| Average total loans | $210,537,000 | 1,939 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3942% | 4,205 |
| Cost of funding earning assets | 1.2884% | 553 |
| Net interest margin | 3.1058% | 5,987 |
| Noninterest income to average assets | 0.7623% | 2,364 |
| Noninterest expense to average assets | 3.1013% | 2,925 |
| Loan and lease loss provision to assets | 0.7935% | 636 |
| Net operating income to assets | -0.3522% | 6,652 |
| Return on assets (ROA) | 0.3701% | 5,567 |
| Pretax return on assets | 0.3701% | 5,780 |
| Return on Equity (ROE) | 8.2103% | 3,166 |
| Retained earnings to average equity (ytd only) | 8.2103% | 1,566 |
| Net charge-offs to loans | 2.6101% | 262 |
| Credit loss provision to net charge-offs | 55.3374% | 3,923 |
| Earnings coverage of net charge-offs (x) | 0.3077% | 4,923 |
| Efficiency ratio | 87.4422% | 1,292 |
| Assets per employee ($millions) | 4.5545% | 2,805 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9086% | 367 |
| Loan loss allowance to noncurrent loans | 36.4593% | 5,847 |
| Noncurrent assets plus other real estate owned to assets | 7.5215% | 483 |
| Noncurrent loans to loans | 10.7203% | 229 |
| Net loans and leases to total assets | 51.2553% | 5,190 |
| Net loans and leases to deposits | 60.9385% | 5,148 |
| Net loans and leases to core deposits | 61.3239% | 5,453 |
| Total domestic deposits to total assets | 84.1098% | 4,272 |
| Equity capital to assets | 4.8358% | 7,102 |
| Core capital (leverage) ratio | 5.7341% | 7,009 |
| Tier 1 risk-based capital ratio | 9.4468% | 6,932 |
| Total risk-based capital ratio | 10.7239% | 6,919 |
| Memoranda: | ||
| Average total assets | $390,674,330 | 1,693 |
| Average earning assets | $349,734,670 | 1,723 |
| Average equity | $17,612,000 | 3,554 |
| Average total loans | $214,624,000 | 1,909 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4194% | 4,243 |
| Cost of funding earning assets | 1.3273% | 565 |
| Net interest margin | 3.0921% | 6,071 |
| Noninterest income to average assets | 0.7379% | 2,455 |
| Noninterest expense to average assets | 3.2789% | 2,358 |
| Loan and lease loss provision to assets | 0.2038% | 2,912 |
| Net operating income to assets | 0.0357% | 6,359 |
| Return on assets (ROA) | 0.4495% | 5,229 |
| Pretax return on assets | 0.4495% | 5,582 |
| Return on Equity (ROE) | 10.3415% | 2,286 |
| Retained earnings to average equity (ytd only) | 10.3415% | 1,189 |
| Net charge-offs to loans | 1.4377% | 697 |
| Credit loss provision to net charge-offs | 25.4453% | 3,705 |
| Earnings coverage of net charge-offs (x) | 0.2990% | 4,215 |
| Efficiency ratio | 93.0765% | 879 |
| Assets per employee ($millions) | 4.7032% | 2,657 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1014% | 344 |
| Loan loss allowance to noncurrent loans | 42.5565% | 5,474 |
| Noncurrent assets plus other real estate owned to assets | 7.3354% | 560 |
| Noncurrent loans to loans | 9.6374% | 328 |
| Net loans and leases to total assets | 52.3269% | 4,973 |
| Net loans and leases to deposits | 61.8189% | 4,947 |
| Net loans and leases to core deposits | 62.3552% | 5,286 |
| Total domestic deposits to total assets | 84.6455% | 4,189 |
| Equity capital to assets | 4.4263% | 7,163 |
| Core capital (leverage) ratio | 5.6451% | 7,073 |
| Tier 1 risk-based capital ratio | 9.0422% | 7,020 |
| Total risk-based capital ratio | 10.3213% | 7,026 |
| Memoranda: | ||
| Average total assets | $392,446,000 | 1,692 |
| Average earning assets | $352,897,000 | 1,718 |
| Average equity | $17,057,500 | 3,639 |
| Average total loans | $218,688,000 | 1,866 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6912% | 4,283 |
| Cost of funding earning assets | 1.7065% | 314 |
| Net interest margin | 2.9847% | 6,553 |
| Noninterest income to average assets | 0.7391% | 2,392 |
| Noninterest expense to average assets | 3.0370% | 3,458 |
| Loan and lease loss provision to assets | 0.5875% | 1,761 |
| Net operating income to assets | -0.1989% | 6,255 |
| Return on assets (ROA) | 0.2567% | 5,553 |
| Pretax return on assets | 0.2567% | 5,659 |
| Return on Equity (ROE) | 6.1176% | 3,807 |
| Retained earnings to average equity (ytd only) | 6.1176% | 1,949 |
| Net charge-offs to loans | 1.4671% | 1,097 |
| Credit loss provision to net charge-offs | 66.2549% | 4,989 |
| Earnings coverage of net charge-offs (x) | 0.4382% | 5,490 |
| Efficiency ratio | 88.5465% | 1,312 |
| Assets per employee ($millions) | 4.8113% | 2,438 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1547% | 341 |
| Loan loss allowance to noncurrent loans | 38.4476% | 5,699 |
| Noncurrent assets plus other real estate owned to assets | 8.7064% | 423 |
| Noncurrent loans to loans | 10.8061% | 273 |
| Net loans and leases to total assets | 54.5088% | 4,948 |
| Net loans and leases to deposits | 64.4995% | 4,942 |
| Net loans and leases to core deposits | 65.2063% | 5,341 |
| Total domestic deposits to total assets | 84.5105% | 4,089 |
| Equity capital to assets | 4.2674% | 7,208 |
| Core capital (leverage) ratio | 5.4159% | 7,104 |
| Tier 1 risk-based capital ratio | 8.5462% | 7,079 |
| Total risk-based capital ratio | 9.8274% | 7,076 |
| Memoranda: | ||
| Average total assets | $401,678,400 | 1,616 |
| Average earning assets | $361,548,600 | 1,637 |
| Average equity | $16,853,000 | 3,601 |
| Average total loans | $242,793,800 | 1,726 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7457% | 4,251 |
| Cost of funding earning assets | 1.7748% | 290 |
| Net interest margin | 2.9710% | 6,635 |
| Noninterest income to average assets | 0.7835% | 2,127 |
| Noninterest expense to average assets | 3.0782% | 3,243 |
| Loan and lease loss provision to assets | 0.6147% | 1,599 |
| Net operating income to assets | -0.2336% | 6,422 |
| Return on assets (ROA) | 0.2816% | 5,626 |
| Pretax return on assets | 0.2816% | 5,743 |
| Return on Equity (ROE) | 6.7388% | 3,644 |
| Retained earnings to average equity (ytd only) | 6.7388% | 2,114 |
| Net charge-offs to loans | 1.3333% | 1,139 |
| Credit loss provision to net charge-offs | 75.1819% | 4,305 |
| Earnings coverage of net charge-offs (x) | 0.4660% | 5,275 |
| Efficiency ratio | 88.8804% | 1,259 |
| Assets per employee ($millions) | 4.7703% | 2,523 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2298% | 332 |
| Loan loss allowance to noncurrent loans | 38.3114% | 5,730 |
| Noncurrent assets plus other real estate owned to assets | 8.8345% | 458 |
| Noncurrent loans to loans | 11.0405% | 288 |
| Net loans and leases to total assets | 55.9970% | 4,845 |
| Net loans and leases to deposits | 66.2454% | 4,865 |
| Net loans and leases to core deposits | 67.1496% | 5,288 |
| Total domestic deposits to total assets | 84.5297% | 3,994 |
| Equity capital to assets | 4.2483% | 7,303 |
| Core capital (leverage) ratio | 5.3087% | 7,203 |
| Tier 1 risk-based capital ratio | 8.1029% | 7,187 |
| Total risk-based capital ratio | 9.3843% | 7,187 |
| Memoranda: | ||
| Average total assets | $403,466,750 | 1,616 |
| Average earning assets | $363,376,250 | 1,635 |
| Average equity | $16,857,250 | 3,610 |
| Average total loans | $247,399,000 | 1,709 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8802% | 3,705 |
| Cost of funding earning assets | 1.8185% | 285 |
| Net interest margin | 3.0617% | 6,485 |
| Noninterest income to average assets | 0.8106% | 1,969 |
| Noninterest expense to average assets | 3.1153% | 3,195 |
| Loan and lease loss provision to assets | 0.5935% | 1,631 |
| Net operating income to assets | -0.1395% | 6,404 |
| Return on assets (ROA) | 0.2409% | 5,715 |
| Pretax return on assets | 0.2409% | 5,832 |
| Return on Equity (ROE) | 5.7969% | 4,063 |
| Retained earnings to average equity (ytd only) | 5.7969% | 2,542 |
| Net charge-offs to loans | 1.4593% | 1,029 |
| Credit loss provision to net charge-offs | 65.3239% | 4,194 |
| Earnings coverage of net charge-offs (x) | 0.4997% | 4,933 |
| Efficiency ratio | 87.1830% | 1,492 |
| Assets per employee ($millions) | 4.7254% | 2,510 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0919% | 391 |
| Loan loss allowance to noncurrent loans | 35.1738% | 5,961 |
| Noncurrent assets plus other real estate owned to assets | 8.9760% | 469 |
| Noncurrent loans to loans | 11.6334% | 280 |
| Net loans and leases to total assets | 57.6947% | 4,690 |
| Net loans and leases to deposits | 68.4131% | 4,644 |
| Net loans and leases to core deposits | 69.6074% | 5,115 |
| Total domestic deposits to total assets | 84.3328% | 4,203 |
| Equity capital to assets | 4.5419% | 7,352 |
| Core capital (leverage) ratio | 5.2579% | 7,279 |
| Tier 1 risk-based capital ratio | 7.6431% | 7,272 |
| Total risk-based capital ratio | 8.9174% | 7,277 |
| Memoranda: | ||
| Average total assets | $404,388,330 | 1,626 |
| Average earning assets | $364,369,330 | 1,644 |
| Average equity | $16,802,000 | 3,606 |
| Average total loans | $251,768,330 | 1,700 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0376% | 2,918 |
| Cost of funding earning assets | 1.8623% | 297 |
| Net interest margin | 3.1753% | 6,151 |
| Noninterest income to average assets | 0.8103% | 1,989 |
| Noninterest expense to average assets | 3.0344% | 3,506 |
| Loan and lease loss provision to assets | 0.4929% | 1,775 |
| Net operating income to assets | 0.1373% | 5,981 |
| Return on assets (ROA) | 0.3204% | 5,387 |
| Pretax return on assets | 0.3638% | 5,457 |
| Return on Equity (ROE) | 8.0838% | 2,872 |
| Retained earnings to average equity (ytd only) | 8.0838% | 1,702 |
| Net charge-offs to loans | 1.2319% | 1,128 |
| Credit loss provision to net charge-offs | 63.2111% | 3,487 |
| Earnings coverage of net charge-offs (x) | 0.8319% | 4,017 |
| Efficiency ratio | 82.2805% | 2,182 |
| Assets per employee ($millions) | 4.8005% | 2,425 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0870% | 399 |
| Loan loss allowance to noncurrent loans | 36.5321% | 5,865 |
| Noncurrent assets plus other real estate owned to assets | 8.7072% | 517 |
| Noncurrent loans to loans | 11.1875% | 330 |
| Net loans and leases to total assets | 59.5537% | 4,350 |
| Net loans and leases to deposits | 70.1733% | 4,321 |
| Net loans and leases to core deposits | 71.6239% | 4,837 |
| Total domestic deposits to total assets | 84.8666% | 4,099 |
| Equity capital to assets | 4.0983% | 7,431 |
| Core capital (leverage) ratio | 5.1777% | 7,341 |
| Tier 1 risk-based capital ratio | 7.3118% | 7,340 |
| Total risk-based capital ratio | 8.5909% | 7,345 |
| Memoranda: | ||
| Average total assets | $405,752,000 | 1,627 |
| Average earning assets | $367,079,000 | 1,642 |
| Average equity | $16,081,500 | 3,714 |
| Average total loans | $256,840,500 | 1,683 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3890% | 2,727 |
| Cost of funding earning assets | 2.1949% | 309 |
| Net interest margin | 3.1941% | 6,279 |
| Noninterest income to average assets | 0.7261% | 2,670 |
| Noninterest expense to average assets | 3.2440% | 2,939 |
| Loan and lease loss provision to assets | 1.7532% | 800 |
| Net operating income to assets | -3.6555% | 7,394 |
| Return on assets (ROA) | -3.3206% | 7,363 |
| Pretax return on assets | -1.1120% | 6,699 |
| Return on Equity (ROE) | -57.0702% | 7,466 |
| Retained earnings to average equity (ytd only) | -57.0702% | 7,464 |
| Net charge-offs to loans | 2.8780% | 597 |
| Credit loss provision to net charge-offs | 96.4087% | 4,818 |
| Earnings coverage of net charge-offs (x) | 0.1684% | 5,942 |
| Efficiency ratio | 91.2781% | 1,230 |
| Assets per employee ($millions) | 4.7472% | 2,492 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9969% | 403 |
| Loan loss allowance to noncurrent loans | 33.9890% | 6,049 |
| Noncurrent assets plus other real estate owned to assets | 8.7605% | 526 |
| Noncurrent loans to loans | 11.7595% | 305 |
| Net loans and leases to total assets | 61.9157% | 4,303 |
| Net loans and leases to deposits | 72.9342% | 4,362 |
| Net loans and leases to core deposits | 74.4122% | 4,931 |
| Total domestic deposits to total assets | 84.8926% | 3,911 |
| Equity capital to assets | 3.8301% | 7,517 |
| Core capital (leverage) ratio | 4.8800% | 7,429 |
| Tier 1 risk-based capital ratio | 6.8729% | 7,434 |
| Total risk-based capital ratio | 8.1515% | 7,437 |
| Memoranda: | ||
| Average total assets | $444,045,400 | 1,496 |
| Average earning assets | $392,635,000 | 1,541 |
| Average equity | $25,836,600 | 2,475 |
| Average total loans | $280,577,200 | 1,594 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5144% | 2,379 |
| Cost of funding earning assets | 2.2556% | 318 |
| Net interest margin | 3.2588% | 6,148 |
| Noninterest income to average assets | 0.7279% | 2,655 |
| Noninterest expense to average assets | 3.1335% | 3,176 |
| Loan and lease loss provision to assets | 1.5076% | 879 |
| Net operating income to assets | -3.9193% | 7,564 |
| Return on assets (ROA) | -3.7619% | 7,562 |
| Pretax return on assets | -0.8904% | 6,798 |
| Return on Equity (ROE) | -60.0317% | 7,603 |
| Retained earnings to average equity (ytd only) | -60.0317% | 7,601 |
| Net charge-offs to loans | 2.5440% | 657 |
| Credit loss provision to net charge-offs | 94.2237% | 4,598 |
| Earnings coverage of net charge-offs (x) | 0.2873% | 5,740 |
| Efficiency ratio | 87.1068% | 1,522 |
| Assets per employee ($millions) | 4.4906% | 2,922 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8436% | 418 |
| Loan loss allowance to noncurrent loans | 42.2280% | 5,476 |
| Noncurrent assets plus other real estate owned to assets | 7.1142% | 756 |
| Noncurrent loans to loans | 9.1020% | 518 |
| Net loans and leases to total assets | 62.2305% | 4,480 |
| Net loans and leases to deposits | 73.9044% | 4,528 |
| Net loans and leases to core deposits | 75.2499% | 5,150 |
| Total domestic deposits to total assets | 84.2040% | 4,006 |
| Equity capital to assets | 4.8044% | 7,593 |
| Core capital (leverage) ratio | 5.1903% | 7,533 |
| Tier 1 risk-based capital ratio | 7.0464% | 7,544 |
| Total risk-based capital ratio | 8.3235% | 7,548 |
| Memoranda: | ||
| Average total assets | $452,991,000 | 1,485 |
| Average earning assets | $398,295,000 | 1,546 |
| Average equity | $28,386,500 | 2,322 |
| Average total loans | $284,895,750 | 1,585 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4926% | 2,551 |
| Cost of funding earning assets | 2.3161% | 324 |
| Net interest margin | 3.1765% | 6,386 |
| Noninterest income to average assets | 0.7171% | 2,602 |
| Noninterest expense to average assets | 3.0966% | 3,341 |
| Loan and lease loss provision to assets | 1.3901% | 964 |
| Net operating income to assets | -0.5298% | 6,676 |
| Return on assets (ROA) | -0.3933% | 6,599 |
| Pretax return on assets | -0.7719% | 6,768 |
| Return on Equity (ROE) | -5.8607% | 6,764 |
| Retained earnings to average equity (ytd only) | -5.8607% | 6,643 |
| Net charge-offs to loans | 2.5803% | 654 |
| Credit loss provision to net charge-offs | 86.4198% | 4,530 |
| Earnings coverage of net charge-offs (x) | 0.2517% | 5,475 |
| Efficiency ratio | 88.3492% | 1,478 |
| Assets per employee ($millions) | 4.8124% | 2,427 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6535% | 492 |
| Loan loss allowance to noncurrent loans | 39.7149% | 5,706 |
| Noncurrent assets plus other real estate owned to assets | 7.1433% | 731 |
| Noncurrent loans to loans | 9.1992% | 513 |
| Net loans and leases to total assets | 60.7385% | 4,923 |
| Net loans and leases to deposits | 73.6305% | 4,732 |
| Net loans and leases to core deposits | 75.3964% | 5,263 |
| Total domestic deposits to total assets | 82.4909% | 4,786 |
| Equity capital to assets | 7.0955% | 7,311 |
| Core capital (leverage) ratio | 5.3031% | 7,573 |
| Tier 1 risk-based capital ratio | 7.0766% | 7,596 |
| Total risk-based capital ratio | 8.3273% | 7,603 |
| Memoranda: | ||
| Average total assets | $463,283,670 | 1,473 |
| Average earning assets | $406,107,670 | 1,524 |
| Average equity | $31,088,670 | 2,117 |
| Average total loans | $288,800,000 | 1,587 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4249% | 2,920 |
| Cost of funding earning assets | 2.4077% | 296 |
| Net interest margin | 3.0171% | 6,791 |
| Noninterest income to average assets | 0.7131% | 2,510 |
| Noninterest expense to average assets | 2.9833% | 3,736 |
| Loan and lease loss provision to assets | 0.2674% | 3,886 |
| Net operating income to assets | 0.1256% | 5,944 |
| Return on assets (ROA) | 0.0959% | 6,136 |
| Pretax return on assets | 0.0891% | 6,161 |
| Return on Equity (ROE) | 1.4697% | 5,969 |
| Retained earnings to average equity (ytd only) | 1.4697% | 5,208 |
| Net charge-offs to loans | 0.8708% | 1,810 |
| Credit loss provision to net charge-offs | 49.5283% | 4,496 |
| Earnings coverage of net charge-offs (x) | 0.7154% | 4,389 |
| Efficiency ratio | 88.4354% | 1,546 |
| Assets per employee ($millions) | 5.0006% | 2,228 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6206% | 495 |
| Loan loss allowance to noncurrent loans | 40.8590% | 5,632 |
| Noncurrent assets plus other real estate owned to assets | 6.6343% | 845 |
| Noncurrent loans to loans | 8.8613% | 557 |
| Net loans and leases to total assets | 59.4219% | 5,215 |
| Net loans and leases to deposits | 73.2135% | 4,869 |
| Net loans and leases to core deposits | 75.1501% | 5,369 |
| Total domestic deposits to total assets | 81.1625% | 5,398 |
| Equity capital to assets | 6.7454% | 7,468 |
| Core capital (leverage) ratio | 5.6490% | 7,628 |
| Tier 1 risk-based capital ratio | 7.4133% | 7,664 |
| Total risk-based capital ratio | 8.6848% | 7,671 |
| Memoranda: | ||
| Average total assets | $471,150,500 | 1,486 |
| Average earning assets | $414,830,000 | 1,533 |
| Average equity | $30,755,000 | 2,164 |
| Average total loans | $292,128,500 | 1,612 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8701% | 2,371 |
| Cost of funding earning assets | 2.8076% | 437 |
| Net interest margin | 3.0626% | 6,485 |
| Noninterest income to average assets | 0.7004% | 2,977 |
| Noninterest expense to average assets | 2.7014% | 5,388 |
| Loan and lease loss provision to assets | 1.9578% | 1,121 |
| Net operating income to assets | -0.8415% | 6,464 |
| Return on assets (ROA) | -1.8380% | 7,021 |
| Pretax return on assets | -2.6790% | 7,201 |
| Return on Equity (ROE) | -27.7840% | 7,358 |
| Retained earnings to average equity (ytd only) | -27.7840% | 7,337 |
| Net charge-offs to loans | 0.8371% | 2,736 |
| Credit loss provision to net charge-offs | 381.3953% | 836 |
| Earnings coverage of net charge-offs (x) | 1.4086% | 4,717 |
| Efficiency ratio | 78.7955% | 3,078 |
| Assets per employee ($millions) | 4.8685% | 2,383 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6726% | 456 |
| Loan loss allowance to noncurrent loans | 45.3760% | 5,375 |
| Noncurrent assets plus other real estate owned to assets | 6.2620% | 884 |
| Noncurrent loans to loans | 8.0938% | 614 |
| Net loans and leases to total assets | 60.0607% | 5,325 |
| Net loans and leases to deposits | 73.4585% | 5,125 |
| Net loans and leases to core deposits | 90.9421% | 5,021 |
| Total domestic deposits to total assets | 81.7613% | 5,051 |
| Equity capital to assets | 6.3109% | 7,612 |
| Core capital (leverage) ratio | 5.4868% | 7,714 |
| Tier 1 risk-based capital ratio | 7.5585% | 7,695 |
| Total risk-based capital ratio | 8.8328% | 7,701 |
| Memoranda: | ||
| Average total assets | $485,851,200 | 1,425 |
| Average earning assets | $432,154,600 | 1,468 |
| Average equity | $32,140,800 | 2,078 |
| Average total loans | $297,950,800 | 1,610 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0134% | 1,977 |
| Cost of funding earning assets | 2.8496% | 526 |
| Net interest margin | 3.1638% | 6,133 |
| Noninterest income to average assets | 0.6644% | 3,257 |
| Noninterest expense to average assets | 2.5295% | 5,979 |
| Loan and lease loss provision to assets | 0.5159% | 3,326 |
| Net operating income to assets | 0.3294% | 4,681 |
| Return on assets (ROA) | -0.1867% | 6,051 |
| Pretax return on assets | -0.3641% | 6,155 |
| Return on Equity (ROE) | -2.7908% | 6,214 |
| Retained earnings to average equity (ytd only) | -2.7908% | 5,896 |
| Net charge-offs to loans | 0.3833% | 3,728 |
| Credit loss provision to net charge-offs | 220.3725% | 1,992 |
| Earnings coverage of net charge-offs (x) | 4.0931% | 3,264 |
| Efficiency ratio | 72.4410% | 4,164 |
| Assets per employee ($millions) | 5.0815% | 2,044 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5997% | 2,991 |
| Loan loss allowance to noncurrent loans | 36.0125% | 6,002 |
| Noncurrent assets plus other real estate owned to assets | 4.1667% | 1,508 |
| Noncurrent loans to loans | 4.4420% | 1,581 |
| Net loans and leases to total assets | 62.2000% | 5,208 |
| Net loans and leases to deposits | 78.3454% | 4,689 |
| Net loans and leases to core deposits | 97.0821% | 4,694 |
| Total domestic deposits to total assets | 79.3920% | 5,664 |
| Equity capital to assets | 7.8402% | 6,999 |
| Core capital (leverage) ratio | 7.8852% | 6,522 |
| Tier 1 risk-based capital ratio | 9.4825% | 7,390 |
| Total risk-based capital ratio | 10.6811% | 7,387 |
| Memoranda: | ||
| Average total assets | $489,253,000 | 1,426 |
| Average earning assets | $436,589,000 | 1,460 |
| Average equity | $32,725,250 | 2,063 |
| Average total loans | $298,826,750 | 1,627 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8993% | 2,583 |
| Cost of funding earning assets | 2.8949% | 617 |
| Net interest margin | 3.0044% | 6,540 |
| Noninterest income to average assets | 0.6562% | 3,296 |
| Noninterest expense to average assets | 2.5576% | 5,911 |
| Loan and lease loss provision to assets | 0.3752% | 3,679 |
| Net operating income to assets | 0.2762% | 4,992 |
| Return on assets (ROA) | 0.1375% | 5,552 |
| Pretax return on assets | 0.2028% | 5,461 |
| Return on Equity (ROE) | 2.1765% | 5,228 |
| Retained earnings to average equity (ytd only) | 2.1765% | 4,133 |
| Net charge-offs to loans | 0.4809% | 2,909 |
| Credit loss provision to net charge-offs | 129.1899% | 3,602 |
| Earnings coverage of net charge-offs (x) | 2.6927% | 3,735 |
| Efficiency ratio | 76.4999% | 3,596 |
| Assets per employee ($millions) | 4.9645% | 2,121 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3302% | 4,095 |
| Loan loss allowance to noncurrent loans | 35.1748% | 6,097 |
| Noncurrent assets plus other real estate owned to assets | 3.1159% | 2,018 |
| Noncurrent loans to loans | 3.7817% | 1,816 |
| Net loans and leases to total assets | 60.4445% | 5,608 |
| Net loans and leases to deposits | 78.5090% | 4,784 |
| Net loans and leases to core deposits | 96.7233% | 4,821 |
| Total domestic deposits to total assets | 76.9906% | 6,333 |
| Equity capital to assets | 6.7488% | 7,735 |
| Core capital (leverage) ratio | 7.8904% | 6,506 |
| Tier 1 risk-based capital ratio | 8.7422% | 7,803 |
| Total risk-based capital ratio | 9.6440% | 7,894 |
| Memoranda: | ||
| Average total assets | $493,116,000 | 1,433 |
| Average earning assets | $440,424,670 | 1,467 |
| Average equity | $31,150,330 | 2,173 |
| Average total loans | $297,790,000 | 1,665 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8428% | 3,078 |
| Cost of funding earning assets | 2.9685% | 650 |
| Net interest margin | 2.8743% | 6,819 |
| Noninterest income to average assets | 0.6187% | 3,420 |
| Noninterest expense to average assets | 2.4562% | 6,004 |
| Loan and lease loss provision to assets | 0.3037% | 3,520 |
| Net operating income to assets | 0.3055% | 5,274 |
| Return on assets (ROA) | 0.3158% | 5,410 |
| Pretax return on assets | 0.4430% | 5,261 |
| Return on Equity (ROE) | 5.1757% | 4,392 |
| Retained earnings to average equity (ytd only) | 5.1757% | 3,025 |
| Net charge-offs to loans | 0.4039% | 2,489 |
| Credit loss provision to net charge-offs | 125.4181% | 3,167 |
| Earnings coverage of net charge-offs (x) | 3.0234% | 3,298 |
| Efficiency ratio | 76.9368% | 3,339 |
| Assets per employee ($millions) | 4.7864% | 2,312 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3003% | 4,075 |
| Loan loss allowance to noncurrent loans | 24.8795% | 6,911 |
| Noncurrent assets plus other real estate owned to assets | 3.7379% | 1,417 |
| Noncurrent loans to loans | 5.2263% | 1,019 |
| Net loans and leases to total assets | 58.4809% | 5,869 |
| Net loans and leases to deposits | 78.6188% | 4,829 |
| Net loans and leases to core deposits | 96.7108% | 4,876 |
| Total domestic deposits to total assets | 74.3854% | 6,822 |
| Equity capital to assets | 5.8785% | 8,017 |
| Core capital (leverage) ratio | 7.9966% | 6,450 |
| Tier 1 risk-based capital ratio | 9.1861% | 7,682 |
| Total risk-based capital ratio | 10.0819% | 7,915 |
| Memoranda: | ||
| Average total assets | $493,933,000 | 1,437 |
| Average earning assets | $441,569,000 | 1,469 |
| Average equity | $30,141,000 | 2,265 |
| Average total loans | $296,145,500 | 1,683 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6025% | 2,484 |
| Cost of funding earning assets | 3.3125% | 890 |
| Net interest margin | 3.2901% | 6,073 |
| Noninterest income to average assets | 0.6773% | 3,274 |
| Noninterest expense to average assets | 2.6113% | 5,608 |
| Loan and lease loss provision to assets | 0.2544% | 4,377 |
| Net operating income to assets | 0.5603% | 4,481 |
| Return on assets (ROA) | -1.8746% | 7,531 |
| Pretax return on assets | -3.0023% | 7,708 |
| Return on Equity (ROE) | -26.8652% | 7,903 |
| Retained earnings to average equity (ytd only) | -29.8256% | 7,909 |
| Net charge-offs to loans | 0.1278% | 4,959 |
| Credit loss provision to net charge-offs | 341.5301% | 1,326 |
| Earnings coverage of net charge-offs (x) | 14.1858% | 2,066 |
| Efficiency ratio | 71.1091% | 4,110 |
| Assets per employee ($millions) | 4.4522% | 2,691 |
| Cash dividends to net income (ytd only)* | -11.0194% | 7,860 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2889% | 3,868 |
| Loan loss allowance to noncurrent loans | 32.7354% | 6,541 |
| Noncurrent assets plus other real estate owned to assets | 2.6312% | 1,813 |
| Noncurrent loans to loans | 3.9374% | 1,253 |
| Net loans and leases to total assets | 59.9048% | 5,923 |
| Net loans and leases to deposits | 83.4157% | 4,513 |
| Net loans and leases to core deposits | 101.9359% | 4,622 |
| Total domestic deposits to total assets | 71.8148% | 7,033 |
| Equity capital to assets | 6.3339% | 7,986 |
| Core capital (leverage) ratio | 7.7186% | 6,899 |
| Tier 1 risk-based capital ratio | 9.6447% | 7,153 |
| Total risk-based capital ratio | 10.6396% | 7,346 |
| Memoranda: | ||
| Average total assets | $491,360,600 | 1,385 |
| Average earning assets | $446,648,000 | 1,396 |
| Average equity | $34,286,000 | 1,979 |
| Average total loans | $286,274,000 | 1,691 |