Home > Cherokee Bank > Performance and Condition Ratios
Cherokee Bank, Performance and Condition Ratios
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4756% | 2,302 |
| Cost of funding earning assets | 0.5443% | 3,159 |
| Net interest margin | 3.9313% | 2,173 |
| Noninterest income to average assets | 0.7241% | 2,414 |
| Noninterest expense to average assets | 3.6717% | 1,332 |
| Loan and lease loss provision to assets | 0.1074% | 3,002 |
| Net operating income to assets | 0.4515% | 4,944 |
| Return on assets (ROA) | 0.4575% | 5,052 |
| Pretax return on assets | 0.4575% | 5,336 |
| Return on Equity (ROE) | 6.4734% | 3,843 |
| Retained earnings to average equity (ytd only) | 6.4734% | 1,701 |
| Net charge-offs to loans | -0.0623% | 6,378 |
| Credit loss provision to net charge-offs | -268.6567% | 6,036 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.7898% | 1,339 |
| Assets per employee ($millions) | 4.4859% | 2,931 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3968% | 937 |
| Loan loss allowance to noncurrent loans | 175.9476% | 2,323 |
| Noncurrent assets plus other real estate owned to assets | 2.3829% | 1,455 |
| Noncurrent loans to loans | 1.3622% | 2,860 |
| Net loans and leases to total assets | 60.9898% | 3,542 |
| Net loans and leases to deposits | 68.4169% | 3,988 |
| Net loans and leases to core deposits | 69.6382% | 4,321 |
| Total domestic deposits to total assets | 89.1443% | 1,522 |
| Equity capital to assets | 6.8373% | 6,501 |
| Core capital (leverage) ratio | 7.4458% | 6,394 |
| Tier 1 risk-based capital ratio | 11.2183% | 6,068 |
| Total risk-based capital ratio | 12.4808% | 6,006 |
| Memoranda: | ||
| Average total assets | $167,660,600 | 3,447 |
| Average earning assets | $149,544,000 | 3,509 |
| Average equity | $11,848,400 | 4,469 |
| Average total loans | $107,466,600 | 3,294 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4409% | 2,454 |
| Cost of funding earning assets | 0.5577% | 3,186 |
| Net interest margin | 3.8832% | 2,334 |
| Noninterest income to average assets | 0.7938% | 2,178 |
| Noninterest expense to average assets | 3.5688% | 1,462 |
| Loan and lease loss provision to assets | 0.1437% | 2,484 |
| Net operating income to assets | 0.5398% | 4,620 |
| Return on assets (ROA) | 0.5478% | 4,733 |
| Pretax return on assets | 0.5478% | 5,209 |
| Return on Equity (ROE) | 7.6882% | 3,288 |
| Retained earnings to average equity (ytd only) | 7.6882% | 1,554 |
| Net charge-offs to loans | -0.0074% | 5,837 |
| Credit loss provision to net charge-offs | -3,000.0000% | 6,313 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.9249% | 1,607 |
| Assets per employee ($millions) | 4.3050% | 3,220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3765% | 1,075 |
| Loan loss allowance to noncurrent loans | 58.0750% | 4,893 |
| Noncurrent assets plus other real estate owned to assets | 4.1818% | 738 |
| Noncurrent loans to loans | 4.0922% | 847 |
| Net loans and leases to total assets | 60.9699% | 3,527 |
| Net loans and leases to deposits | 68.1540% | 4,044 |
| Net loans and leases to core deposits | 69.3720% | 4,386 |
| Total domestic deposits to total assets | 89.4590% | 1,325 |
| Equity capital to assets | 6.8745% | 6,580 |
| Core capital (leverage) ratio | 7.4303% | 6,476 |
| Tier 1 risk-based capital ratio | 11.2723% | 6,163 |
| Total risk-based capital ratio | 12.5346% | 6,118 |
| Memoranda: | ||
| Average total assets | $166,960,000 | 3,494 |
| Average earning assets | $148,706,000 | 3,560 |
| Average equity | $11,896,750 | 4,512 |
| Average total loans | $107,703,750 | 3,311 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4650% | 2,332 |
| Cost of funding earning assets | 0.5703% | 3,217 |
| Net interest margin | 3.8948% | 2,229 |
| Noninterest income to average assets | 0.8341% | 2,050 |
| Noninterest expense to average assets | 3.3376% | 1,973 |
| Loan and lease loss provision to assets | 0.1800% | 2,111 |
| Net operating income to assets | 0.7753% | 3,429 |
| Return on assets (ROA) | 0.7873% | 3,529 |
| Pretax return on assets | 0.7873% | 4,356 |
| Return on Equity (ROE) | 10.9197% | 1,838 |
| Retained earnings to average equity (ytd only) | 10.9197% | 656 |
| Net charge-offs to loans | -0.2485% | 6,718 |
| Credit loss provision to net charge-offs | -111.1111% | 5,633 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7467% | 2,503 |
| Assets per employee ($millions) | 4.5381% | 2,762 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4007% | 1,092 |
| Loan loss allowance to noncurrent loans | 50.8638% | 5,166 |
| Noncurrent assets plus other real estate owned to assets | 4.5828% | 711 |
| Noncurrent loans to loans | 4.7199% | 715 |
| Net loans and leases to total assets | 62.7320% | 3,149 |
| Net loans and leases to deposits | 70.2484% | 3,686 |
| Net loans and leases to core deposits | 71.3843% | 4,121 |
| Total domestic deposits to total assets | 89.3003% | 1,447 |
| Equity capital to assets | 7.0924% | 6,581 |
| Core capital (leverage) ratio | 7.4063% | 6,491 |
| Tier 1 risk-based capital ratio | 10.8945% | 6,381 |
| Total risk-based capital ratio | 12.1568% | 6,346 |
| Memoranda: | ||
| Average total assets | $166,648,000 | 3,514 |
| Average earning assets | $147,994,000 | 3,598 |
| Average equity | $12,015,000 | 4,529 |
| Average total loans | $108,652,330 | 3,308 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4371% | 2,396 |
| Cost of funding earning assets | 0.5878% | 3,232 |
| Net interest margin | 3.8493% | 2,282 |
| Noninterest income to average assets | 0.9276% | 1,666 |
| Noninterest expense to average assets | 3.2431% | 2,219 |
| Loan and lease loss provision to assets | 0.3614% | 897 |
| Net operating income to assets | 0.7469% | 3,451 |
| Return on assets (ROA) | 0.7710% | 3,467 |
| Pretax return on assets | 0.7710% | 4,292 |
| Return on Equity (ROE) | 10.6066% | 1,837 |
| Retained earnings to average equity (ytd only) | 10.6066% | 962 |
| Net charge-offs to loans | -0.0073% | 5,353 |
| Credit loss provision to net charge-offs | -7,500.0000% | 5,918 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5293% | 3,171 |
| Assets per employee ($millions) | 4.3869% | 3,174 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2635% | 1,466 |
| Loan loss allowance to noncurrent loans | 51.7801% | 5,087 |
| Noncurrent assets plus other real estate owned to assets | 4.5807% | 817 |
| Noncurrent loans to loans | 4.3714% | 977 |
| Net loans and leases to total assets | 63.6667% | 2,776 |
| Net loans and leases to deposits | 71.4200% | 3,259 |
| Net loans and leases to core deposits | 72.5855% | 3,750 |
| Total domestic deposits to total assets | 89.1440% | 1,601 |
| Equity capital to assets | 7.3071% | 6,643 |
| Core capital (leverage) ratio | 7.3749% | 6,515 |
| Tier 1 risk-based capital ratio | 10.6176% | 6,548 |
| Total risk-based capital ratio | 11.8819% | 6,511 |
| Memoranda: | ||
| Average total assets | $166,016,500 | 3,563 |
| Average earning assets | $147,662,500 | 3,631 |
| Average equity | $12,068,000 | 4,559 |
| Average total loans | $109,016,000 | 3,308 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4568% | 3,581 |
| Cost of funding earning assets | 0.7619% | 2,994 |
| Net interest margin | 3.6950% | 3,670 |
| Noninterest income to average assets | 0.7509% | 2,491 |
| Noninterest expense to average assets | 3.6244% | 1,555 |
| Loan and lease loss provision to assets | 0.4967% | 1,205 |
| Net operating income to assets | -0.1282% | 6,312 |
| Return on assets (ROA) | 0.1126% | 6,128 |
| Pretax return on assets | 0.1126% | 6,137 |
| Return on Equity (ROE) | 1.6365% | 5,994 |
| Retained earnings to average equity (ytd only) | 1.6365% | 5,048 |
| Net charge-offs to loans | 1.0607% | 1,008 |
| Credit loss provision to net charge-offs | 73.2877% | 4,060 |
| Earnings coverage of net charge-offs (x) | 0.5437% | 5,214 |
| Efficiency ratio | 90.7717% | 1,006 |
| Assets per employee ($millions) | 4.3508% | 3,253 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1071% | 1,753 |
| Loan loss allowance to noncurrent loans | 46.1016% | 5,314 |
| Noncurrent assets plus other real estate owned to assets | 4.8212% | 821 |
| Noncurrent loans to loans | 4.5705% | 926 |
| Net loans and leases to total assets | 64.7999% | 2,756 |
| Net loans and leases to deposits | 72.6615% | 3,308 |
| Net loans and leases to core deposits | 73.8567% | 3,800 |
| Total domestic deposits to total assets | 89.1806% | 1,446 |
| Equity capital to assets | 7.2309% | 6,716 |
| Core capital (leverage) ratio | 6.8714% | 6,736 |
| Tier 1 risk-based capital ratio | 10.2861% | 6,621 |
| Total risk-based capital ratio | 11.5451% | 6,583 |
| Memoranda: | ||
| Average total assets | $172,333,000 | 3,414 |
| Average earning assets | $151,205,600 | 3,526 |
| Average equity | $11,854,400 | 4,598 |
| Average total loans | $110,117,800 | 3,294 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4158% | 3,986 |
| Cost of funding earning assets | 0.7894% | 3,033 |
| Net interest margin | 3.6265% | 4,122 |
| Noninterest income to average assets | 0.7330% | 2,553 |
| Noninterest expense to average assets | 3.5806% | 1,591 |
| Loan and lease loss provision to assets | 0.5193% | 1,159 |
| Net operating income to assets | -0.1930% | 6,494 |
| Return on assets (ROA) | 0.0819% | 6,298 |
| Pretax return on assets | 0.0819% | 6,294 |
| Return on Equity (ROE) | 1.2060% | 6,215 |
| Retained earnings to average equity (ytd only) | 1.2060% | 5,692 |
| Net charge-offs to loans | 1.1860% | 833 |
| Credit loss provision to net charge-offs | 69.1131% | 3,930 |
| Earnings coverage of net charge-offs (x) | 0.4343% | 5,107 |
| Efficiency ratio | 91.6487% | 909 |
| Assets per employee ($millions) | 5.0491% | 2,122 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0540% | 2,024 |
| Loan loss allowance to noncurrent loans | 37.9882% | 5,746 |
| Noncurrent assets plus other real estate owned to assets | 5.0246% | 889 |
| Noncurrent loans to loans | 5.4069% | 801 |
| Net loans and leases to total assets | 60.7327% | 3,626 |
| Net loans and leases to deposits | 67.5556% | 4,249 |
| Net loans and leases to core deposits | 68.7496% | 4,644 |
| Total domestic deposits to total assets | 89.9003% | 892 |
| Equity capital to assets | 6.5991% | 6,932 |
| Core capital (leverage) ratio | 6.7491% | 6,836 |
| Tier 1 risk-based capital ratio | 9.8463% | 6,833 |
| Total risk-based capital ratio | 11.1052% | 6,816 |
| Memoranda: | ||
| Average total assets | $174,083,250 | 3,430 |
| Average earning assets | $152,357,750 | 3,541 |
| Average equity | $11,829,250 | 4,644 |
| Average total loans | $110,287,000 | 3,322 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4978% | 3,773 |
| Cost of funding earning assets | 0.8318% | 2,932 |
| Net interest margin | 3.6660% | 3,971 |
| Noninterest income to average assets | 0.8978% | 1,794 |
| Noninterest expense to average assets | 3.7453% | 1,300 |
| Loan and lease loss provision to assets | 0.5655% | 1,079 |
| Net operating income to assets | -0.2320% | 6,568 |
| Return on assets (ROA) | 0.0466% | 6,400 |
| Pretax return on assets | 0.0466% | 6,393 |
| Return on Equity (ROE) | 0.6795% | 6,355 |
| Retained earnings to average equity (ytd only) | 0.6795% | 5,790 |
| Net charge-offs to loans | 1.5966% | 591 |
| Credit loss provision to net charge-offs | 55.4920% | 3,912 |
| Earnings coverage of net charge-offs (x) | 0.3272% | 4,914 |
| Efficiency ratio | 91.8239% | 937 |
| Assets per employee ($millions) | 4.6572% | 2,629 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0361% | 2,139 |
| Loan loss allowance to noncurrent loans | 35.8187% | 5,880 |
| Noncurrent assets plus other real estate owned to assets | 5.6268% | 781 |
| Noncurrent loans to loans | 5.6845% | 801 |
| Net loans and leases to total assets | 60.5993% | 3,713 |
| Net loans and leases to deposits | 67.4230% | 4,296 |
| Net loans and leases to core deposits | 68.4799% | 4,731 |
| Total domestic deposits to total assets | 89.8793% | 993 |
| Equity capital to assets | 6.6433% | 6,964 |
| Core capital (leverage) ratio | 6.7307% | 6,880 |
| Tier 1 risk-based capital ratio | 10.0109% | 6,824 |
| Total risk-based capital ratio | 11.2690% | 6,801 |
| Memoranda: | ||
| Average total assets | $171,522,000 | 3,476 |
| Average earning assets | $148,826,670 | 3,624 |
| Average equity | $11,774,000 | 4,659 |
| Average total loans | $109,480,330 | 3,349 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5814% | 3,589 |
| Cost of funding earning assets | 0.8754% | 2,869 |
| Net interest margin | 3.7060% | 3,797 |
| Noninterest income to average assets | 0.8057% | 2,140 |
| Noninterest expense to average assets | 3.7679% | 1,257 |
| Loan and lease loss provision to assets | 0.4574% | 1,350 |
| Net operating income to assets | -0.1991% | 6,637 |
| Return on assets (ROA) | 0.0071% | 6,511 |
| Pretax return on assets | 0.0071% | 6,514 |
| Return on Equity (ROE) | 0.1018% | 6,507 |
| Retained earnings to average equity (ytd only) | 0.1018% | 5,946 |
| Net charge-offs to loans | 0.1461% | 3,220 |
| Credit loss provision to net charge-offs | 482.5000% | 670 |
| Earnings coverage of net charge-offs (x) | 2.7250% | 3,091 |
| Efficiency ratio | 93.5845% | 845 |
| Assets per employee ($millions) | 4.4634% | 3,065 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5649% | 1,271 |
| Loan loss allowance to noncurrent loans | 37.7572% | 5,749 |
| Noncurrent assets plus other real estate owned to assets | 7.0797% | 596 |
| Noncurrent loans to loans | 6.7930% | 681 |
| Net loans and leases to total assets | 62.0632% | 3,242 |
| Net loans and leases to deposits | 69.3466% | 3,826 |
| Net loans and leases to core deposits | 70.3650% | 4,360 |
| Total domestic deposits to total assets | 89.4971% | 1,370 |
| Equity capital to assets | 6.9412% | 6,943 |
| Core capital (leverage) ratio | 6.8747% | 6,883 |
| Tier 1 risk-based capital ratio | 10.2153% | 6,822 |
| Total risk-based capital ratio | 11.4803% | 6,819 |
| Memoranda: | ||
| Average total assets | $168,796,000 | 3,539 |
| Average earning assets | $146,681,000 | 3,686 |
| Average equity | $11,782,500 | 4,660 |
| Average total loans | $109,483,500 | 3,362 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9402% | 3,156 |
| Cost of funding earning assets | 1.1209% | 2,530 |
| Net interest margin | 3.8192% | 3,727 |
| Noninterest income to average assets | 0.8742% | 1,757 |
| Noninterest expense to average assets | 4.3465% | 689 |
| Loan and lease loss provision to assets | 0.7083% | 1,442 |
| Net operating income to assets | -0.8920% | 6,697 |
| Return on assets (ROA) | -0.7810% | 6,679 |
| Pretax return on assets | -0.7810% | 6,639 |
| Return on Equity (ROE) | -11.5506% | 6,779 |
| Retained earnings to average equity (ytd only) | -11.5506% | 6,750 |
| Net charge-offs to loans | 1.6395% | 956 |
| Credit loss provision to net charge-offs | 63.3897% | 5,072 |
| Earnings coverage of net charge-offs (x) | -0.1644% | 5,932 |
| Efficiency ratio | 104.4118% | 557 |
| Assets per employee ($millions) | 4.7995% | 2,451 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3600% | 1,525 |
| Loan loss allowance to noncurrent loans | 40.1904% | 5,589 |
| Noncurrent assets plus other real estate owned to assets | 6.8198% | 676 |
| Noncurrent loans to loans | 5.8722% | 865 |
| Net loans and leases to total assets | 64.4787% | 3,085 |
| Net loans and leases to deposits | 72.0931% | 3,778 |
| Net loans and leases to core deposits | 73.1630% | 4,354 |
| Total domestic deposits to total assets | 89.4381% | 1,298 |
| Equity capital to assets | 7.0198% | 6,958 |
| Core capital (leverage) ratio | 6.7443% | 6,934 |
| Tier 1 risk-based capital ratio | 9.9093% | 6,876 |
| Total risk-based capital ratio | 11.1719% | 6,864 |
| Memoranda: | ||
| Average total assets | $174,782,600 | 3,416 |
| Average earning assets | $150,501,000 | 3,573 |
| Average equity | $11,817,600 | 4,592 |
| Average total loans | $119,122,000 | 3,193 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9711% | 3,239 |
| Cost of funding earning assets | 1.1615% | 2,553 |
| Net interest margin | 3.8096% | 3,825 |
| Noninterest income to average assets | 0.8046% | 2,035 |
| Noninterest expense to average assets | 4.0003% | 1,002 |
| Loan and lease loss provision to assets | 0.6731% | 1,437 |
| Net operating income to assets | -0.5931% | 6,692 |
| Return on assets (ROA) | -0.4465% | 6,655 |
| Pretax return on assets | -0.4465% | 6,591 |
| Return on Equity (ROE) | -6.6642% | 6,751 |
| Retained earnings to average equity (ytd only) | -6.6642% | 6,684 |
| Net charge-offs to loans | 1.3303% | 1,144 |
| Credit loss provision to net charge-offs | 73.6973% | 4,362 |
| Earnings coverage of net charge-offs (x) | 0.0877% | 5,538 |
| Efficiency ratio | 98.0374% | 736 |
| Assets per employee ($millions) | 5.0405% | 2,137 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5722% | 1,305 |
| Loan loss allowance to noncurrent loans | 33.7739% | 6,039 |
| Noncurrent assets plus other real estate owned to assets | 7.9198% | 561 |
| Noncurrent loans to loans | 7.6159% | 610 |
| Net loans and leases to total assets | 64.7323% | 3,162 |
| Net loans and leases to deposits | 75.9465% | 3,339 |
| Net loans and leases to core deposits | 77.0585% | 4,039 |
| Total domestic deposits to total assets | 85.2340% | 3,655 |
| Equity capital to assets | 7.1597% | 7,023 |
| Core capital (leverage) ratio | 7.0367% | 6,949 |
| Tier 1 risk-based capital ratio | 10.0800% | 6,929 |
| Total risk-based capital ratio | 11.2776% | 6,932 |
| Memoranda: | ||
| Average total assets | $176,483,000 | 3,404 |
| Average earning assets | $151,754,750 | 3,572 |
| Average equity | $11,824,000 | 4,614 |
| Average total loans | $121,170,000 | 3,174 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0367% | 2,988 |
| Cost of funding earning assets | 1.1976% | 2,596 |
| Net interest margin | 3.8391% | 3,589 |
| Noninterest income to average assets | 0.8884% | 1,680 |
| Noninterest expense to average assets | 4.0872% | 928 |
| Loan and lease loss provision to assets | 0.8396% | 1,078 |
| Net operating income to assets | -0.7513% | 6,844 |
| Return on assets (ROA) | -0.6130% | 6,779 |
| Pretax return on assets | -0.6130% | 6,715 |
| Return on Equity (ROE) | -9.3639% | 6,917 |
| Retained earnings to average equity (ytd only) | -9.3639% | 6,851 |
| Net charge-offs to loans | 1.6736% | 865 |
| Credit loss provision to net charge-offs | 72.2927% | 4,009 |
| Earnings coverage of net charge-offs (x) | 0.0761% | 5,232 |
| Efficiency ratio | 97.8833% | 793 |
| Assets per employee ($millions) | 4.7800% | 2,433 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5117% | 1,428 |
| Loan loss allowance to noncurrent loans | 32.0745% | 6,142 |
| Noncurrent assets plus other real estate owned to assets | 9.1405% | 457 |
| Noncurrent loans to loans | 7.8308% | 593 |
| Net loans and leases to total assets | 68.7717% | 2,461 |
| Net loans and leases to deposits | 80.6805% | 2,668 |
| Net loans and leases to core deposits | 81.7484% | 3,547 |
| Total domestic deposits to total assets | 85.2395% | 3,759 |
| Equity capital to assets | 7.1705% | 7,064 |
| Core capital (leverage) ratio | 7.1310% | 6,945 |
| Tier 1 risk-based capital ratio | 9.7978% | 7,032 |
| Total risk-based capital ratio | 11.0581% | 7,030 |
| Memoranda: | ||
| Average total assets | $176,504,330 | 3,427 |
| Average earning assets | $151,131,000 | 3,608 |
| Average equity | $11,555,000 | 4,674 |
| Average total loans | $122,488,330 | 3,182 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9866% | 3,161 |
| Cost of funding earning assets | 1.2453% | 2,532 |
| Net interest margin | 3.7413% | 3,887 |
| Noninterest income to average assets | 0.6983% | 2,585 |
| Noninterest expense to average assets | 3.7199% | 1,500 |
| Loan and lease loss provision to assets | 0.3693% | 2,346 |
| Net operating income to assets | -0.1902% | 6,548 |
| Return on assets (ROA) | -0.1544% | 6,530 |
| Pretax return on assets | -0.1544% | 6,501 |
| Return on Equity (ROE) | -2.4725% | 6,628 |
| Retained earnings to average equity (ytd only) | -2.4725% | 6,216 |
| Net charge-offs to loans | 1.0403% | 1,311 |
| Credit loss provision to net charge-offs | 51.5625% | 3,721 |
| Earnings coverage of net charge-offs (x) | 0.2500% | 4,422 |
| Efficiency ratio | 95.4076% | 955 |
| Assets per employee ($millions) | 5.0566% | 2,083 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6236% | 1,286 |
| Loan loss allowance to noncurrent loans | 27.6483% | 6,426 |
| Noncurrent assets plus other real estate owned to assets | 11.2753% | 318 |
| Noncurrent loans to loans | 9.4891% | 442 |
| Net loans and leases to total assets | 66.6697% | 2,839 |
| Net loans and leases to deposits | 77.9345% | 3,069 |
| Net loans and leases to core deposits | 79.1064% | 3,866 |
| Total domestic deposits to total assets | 85.5458% | 3,760 |
| Equity capital to assets | 6.2872% | 7,251 |
| Core capital (leverage) ratio | 6.3336% | 7,201 |
| Tier 1 risk-based capital ratio | 8.9610% | 7,224 |
| Total risk-based capital ratio | 10.2088% | 7,229 |
| Memoranda: | ||
| Average total assets | $178,716,000 | 3,399 |
| Average earning assets | $152,889,000 | 3,594 |
| Average equity | $11,163,000 | 4,751 |
| Average total loans | $123,036,500 | 3,194 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9277% | 4,884 |
| Cost of funding earning assets | 1.5325% | 2,463 |
| Net interest margin | 3.3953% | 5,651 |
| Noninterest income to average assets | 1.0391% | 1,388 |
| Noninterest expense to average assets | 4.2699% | 839 |
| Loan and lease loss provision to assets | 1.8789% | 725 |
| Net operating income to assets | -3.3970% | 7,357 |
| Return on assets (ROA) | -3.2023% | 7,350 |
| Pretax return on assets | -1.9669% | 7,014 |
| Return on Equity (ROE) | -41.0015% | 7,363 |
| Retained earnings to average equity (ytd only) | -41.0015% | 7,356 |
| Net charge-offs to loans | 3.1769% | 503 |
| Credit loss provision to net charge-offs | 84.9485% | 5,344 |
| Earnings coverage of net charge-offs (x) | -0.1278% | 6,243 |
| Efficiency ratio | 107.0900% | 600 |
| Assets per employee ($millions) | 5.1558% | 1,937 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6685% | 1,206 |
| Loan loss allowance to noncurrent loans | 26.2234% | 6,524 |
| Noncurrent assets plus other real estate owned to assets | 11.3011% | 325 |
| Noncurrent loans to loans | 10.1760% | 410 |
| Net loans and leases to total assets | 67.3692% | 3,132 |
| Net loans and leases to deposits | 78.4519% | 3,441 |
| Net loans and leases to core deposits | 79.4735% | 4,283 |
| Total domestic deposits to total assets | 85.8733% | 3,426 |
| Equity capital to assets | 6.2061% | 7,315 |
| Core capital (leverage) ratio | 6.0475% | 7,290 |
| Tier 1 risk-based capital ratio | 8.8661% | 7,265 |
| Total risk-based capital ratio | 10.1324% | 7,273 |
| Memoranda: | ||
| Average total assets | $193,142,000 | 3,184 |
| Average earning assets | $167,704,200 | 3,322 |
| Average equity | $15,084,800 | 3,927 |
| Average total loans | $134,470,800 | 3,043 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8864% | 5,325 |
| Cost of funding earning assets | 1.5854% | 2,471 |
| Net interest margin | 3.3010% | 6,012 |
| Noninterest income to average assets | 1.0154% | 1,427 |
| Noninterest expense to average assets | 4.0601% | 974 |
| Loan and lease loss provision to assets | 2.1468% | 530 |
| Net operating income to assets | -1.4009% | 7,076 |
| Return on assets (ROA) | -1.2374% | 7,025 |
| Pretax return on assets | -2.0626% | 7,215 |
| Return on Equity (ROE) | -15.1297% | 7,110 |
| Retained earnings to average equity (ytd only) | -15.1297% | 7,083 |
| Net charge-offs to loans | 3.4915% | 389 |
| Credit loss provision to net charge-offs | 88.1975% | 4,846 |
| Earnings coverage of net charge-offs (x) | -0.0703% | 6,085 |
| Efficiency ratio | 104.4010% | 629 |
| Assets per employee ($millions) | 5.3169% | 1,806 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6936% | 1,091 |
| Loan loss allowance to noncurrent loans | 24.3506% | 6,686 |
| Noncurrent assets plus other real estate owned to assets | 10.5125% | 364 |
| Noncurrent loans to loans | 11.0617% | 347 |
| Net loans and leases to total assets | 67.0561% | 3,446 |
| Net loans and leases to deposits | 79.5148% | 3,542 |
| Net loans and leases to core deposits | 81.6489% | 4,290 |
| Total domestic deposits to total assets | 84.3315% | 3,943 |
| Equity capital to assets | 8.2394% | 6,565 |
| Core capital (leverage) ratio | 8.0267% | 6,305 |
| Tier 1 risk-based capital ratio | 11.0396% | 6,337 |
| Total risk-based capital ratio | 12.2897% | 6,320 |
| Memoranda: | ||
| Average total assets | $196,314,500 | 3,186 |
| Average earning assets | $170,892,750 | 3,306 |
| Average equity | $16,056,250 | 3,797 |
| Average total loans | $136,863,000 | 3,041 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8910% | 5,433 |
| Cost of funding earning assets | 1.6612% | 2,329 |
| Net interest margin | 3.2298% | 6,219 |
| Noninterest income to average assets | 1.0366% | 1,262 |
| Noninterest expense to average assets | 4.1172% | 903 |
| Loan and lease loss provision to assets | 2.8310% | 364 |
| Net operating income to assets | -1.8860% | 7,277 |
| Return on assets (ROA) | -1.8459% | 7,274 |
| Pretax return on assets | -3.0341% | 7,475 |
| Return on Equity (ROE) | -22.6235% | 7,332 |
| Retained earnings to average equity (ytd only) | -22.6235% | 7,317 |
| Net charge-offs to loans | 4.3851% | 265 |
| Credit loss provision to net charge-offs | 92.2621% | 4,358 |
| Earnings coverage of net charge-offs (x) | -0.0866% | 5,790 |
| Efficiency ratio | 106.8993% | 611 |
| Assets per employee ($millions) | 5.1034% | 2,044 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8212% | 980 |
| Loan loss allowance to noncurrent loans | 23.8935% | 6,744 |
| Noncurrent assets plus other real estate owned to assets | 11.6456% | 288 |
| Noncurrent loans to loans | 11.8076% | 299 |
| Net loans and leases to total assets | 68.2424% | 3,305 |
| Net loans and leases to deposits | 81.0002% | 3,430 |
| Net loans and leases to core deposits | 83.1478% | 4,256 |
| Total domestic deposits to total assets | 84.2496% | 3,988 |
| Equity capital to assets | 7.9321% | 6,827 |
| Core capital (leverage) ratio | 7.4609% | 6,860 |
| Tier 1 risk-based capital ratio | 10.5379% | 6,655 |
| Total risk-based capital ratio | 11.8057% | 6,638 |
| Memoranda: | ||
| Average total assets | $197,949,330 | 3,190 |
| Average earning assets | $172,521,000 | 3,299 |
| Average equity | $16,151,330 | 3,769 |
| Average total loans | $138,515,670 | 3,042 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9204% | 5,359 |
| Cost of funding earning assets | 1.7097% | 2,340 |
| Net interest margin | 3.2107% | 6,264 |
| Noninterest income to average assets | 1.1693% | 897 |
| Noninterest expense to average assets | 3.1426% | 3,096 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.5725% | 4,020 |
| Return on assets (ROA) | 0.6321% | 3,870 |
| Pretax return on assets | 0.9422% | 3,304 |
| Return on Equity (ROE) | 7.6473% | 3,047 |
| Retained earnings to average equity (ytd only) | 7.6473% | 1,859 |
| Net charge-offs to loans | 1.8237% | 946 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 0.6698% | 4,428 |
| Efficiency ratio | 78.6456% | 2,785 |
| Assets per employee ($millions) | 5.5224% | 1,648 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3811% | 1,443 |
| Loan loss allowance to noncurrent loans | 24.1289% | 6,793 |
| Noncurrent assets plus other real estate owned to assets | 8.6875% | 530 |
| Noncurrent loans to loans | 9.8681% | 431 |
| Net loans and leases to total assets | 66.8360% | 3,670 |
| Net loans and leases to deposits | 78.4616% | 3,952 |
| Net loans and leases to core deposits | 80.3124% | 4,727 |
| Total domestic deposits to total assets | 85.1831% | 3,569 |
| Equity capital to assets | 8.2794% | 6,329 |
| Core capital (leverage) ratio | 8.1346% | 6,015 |
| Tier 1 risk-based capital ratio | 11.7326% | 5,465 |
| Total risk-based capital ratio | 12.9778% | 5,415 |
| Memoranda: | ||
| Average total assets | $202,510,500 | 3,188 |
| Average earning assets | $178,279,500 | 3,278 |
| Average equity | $16,738,000 | 3,707 |
| Average total loans | $141,473,000 | 3,047 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9622% | 6,550 |
| Cost of funding earning assets | 2.2052% | 2,003 |
| Net interest margin | 2.7569% | 7,130 |
| Noninterest income to average assets | 0.5355% | 4,139 |
| Noninterest expense to average assets | 3.2537% | 3,182 |
| Loan and lease loss provision to assets | 1.5411% | 1,495 |
| Net operating income to assets | -1.0857% | 6,636 |
| Return on assets (ROA) | -0.9624% | 6,555 |
| Pretax return on assets | -1.5904% | 6,751 |
| Return on Equity (ROE) | -12.7638% | 6,815 |
| Retained earnings to average equity (ytd only) | -12.7638% | 6,741 |
| Net charge-offs to loans | 2.1535% | 1,121 |
| Credit loss provision to net charge-offs | 100.2138% | 5,502 |
| Earnings coverage of net charge-offs (x) | -0.1573% | 6,398 |
| Efficiency ratio | 108.0318% | 840 |
| Assets per employee ($millions) | 5.1460% | 2,022 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7794% | 950 |
| Loan loss allowance to noncurrent loans | 35.9072% | 6,039 |
| Noncurrent assets plus other real estate owned to assets | 7.0386% | 714 |
| Noncurrent loans to loans | 7.7406% | 669 |
| Net loans and leases to total assets | 69.2970% | 3,417 |
| Net loans and leases to deposits | 81.5421% | 3,688 |
| Net loans and leases to core deposits | 108.9861% | 3,000 |
| Total domestic deposits to total assets | 84.9831% | 3,556 |
| Equity capital to assets | 8.2509% | 6,272 |
| Core capital (leverage) ratio | 7.9424% | 6,271 |
| Tier 1 risk-based capital ratio | 11.1782% | 5,745 |
| Total risk-based capital ratio | 12.4461% | 5,682 |
| Memoranda: | ||
| Average total assets | $212,896,200 | 3,031 |
| Average earning assets | $191,226,000 | 3,082 |
| Average equity | $16,053,200 | 3,861 |
| Average total loans | $152,034,800 | 2,888 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9153% | 6,845 |
| Cost of funding earning assets | 2.2731% | 2,096 |
| Net interest margin | 2.6422% | 7,303 |
| Noninterest income to average assets | 0.5174% | 4,340 |
| Noninterest expense to average assets | 3.0204% | 3,967 |
| Loan and lease loss provision to assets | 1.0305% | 1,864 |
| Net operating income to assets | -0.6896% | 6,594 |
| Return on assets (ROA) | -0.5304% | 6,459 |
| Pretax return on assets | -0.8977% | 6,608 |
| Return on Equity (ROE) | -7.1910% | 6,680 |
| Retained earnings to average equity (ytd only) | -7.1910% | 6,528 |
| Net charge-offs to loans | 2.0888% | 933 |
| Credit loss provision to net charge-offs | 69.0525% | 6,000 |
| Earnings coverage of net charge-offs (x) | -0.0778% | 6,156 |
| Efficiency ratio | 103.9966% | 921 |
| Assets per employee ($millions) | 5.4862% | 1,628 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2129% | 1,399 |
| Loan loss allowance to noncurrent loans | 31.2992% | 6,360 |
| Noncurrent assets plus other real estate owned to assets | 6.4395% | 785 |
| Noncurrent loans to loans | 7.0701% | 762 |
| Net loans and leases to total assets | 66.5241% | 4,298 |
| Net loans and leases to deposits | 78.5149% | 4,659 |
| Net loans and leases to core deposits | 93.9586% | 5,020 |
| Total domestic deposits to total assets | 84.7280% | 3,356 |
| Equity capital to assets | 8.3273% | 6,472 |
| Core capital (leverage) ratio | 8.3324% | 5,779 |
| Tier 1 risk-based capital ratio | 11.1857% | 5,773 |
| Total risk-based capital ratio | 12.4468% | 5,708 |
| Memoranda: | ||
| Average total assets | $215,946,750 | 3,014 |
| Average earning assets | $195,088,250 | 3,056 |
| Average equity | $15,926,750 | 3,924 |
| Average total loans | $154,280,750 | 2,882 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9851% | 6,822 |
| Cost of funding earning assets | 2.3749% | 2,061 |
| Net interest margin | 2.6102% | 7,351 |
| Noninterest income to average assets | 0.5106% | 4,354 |
| Noninterest expense to average assets | 3.0054% | 4,066 |
| Loan and lease loss provision to assets | 0.9686% | 1,742 |
| Net operating income to assets | -0.6602% | 6,715 |
| Return on assets (ROA) | -0.4257% | 6,482 |
| Pretax return on assets | -0.7313% | 6,625 |
| Return on Equity (ROE) | -6.0275% | 6,713 |
| Retained earnings to average equity (ytd only) | -6.0275% | 6,456 |
| Net charge-offs to loans | 2.2902% | 778 |
| Credit loss provision to net charge-offs | 58.2778% | 5,624 |
| Earnings coverage of net charge-offs (x) | -0.0778% | 5,779 |
| Efficiency ratio | 104.4944% | 1,014 |
| Assets per employee ($millions) | 5.7751% | 1,362 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1447% | 1,324 |
| Loan loss allowance to noncurrent loans | 23.5492% | 6,934 |
| Noncurrent assets plus other real estate owned to assets | 6.9739% | 610 |
| Noncurrent loans to loans | 9.1072% | 427 |
| Net loans and leases to total assets | 65.1911% | 4,721 |
| Net loans and leases to deposits | 75.1553% | 5,296 |
| Net loans and leases to core deposits | 91.4987% | 5,398 |
| Total domestic deposits to total assets | 86.7418% | 2,382 |
| Equity capital to assets | 6.5987% | 7,788 |
| Core capital (leverage) ratio | 6.7871% | 7,664 |
| Tier 1 risk-based capital ratio | 9.5827% | 7,323 |
| Total risk-based capital ratio | 10.8431% | 7,270 |
| Memoranda: | ||
| Average total assets | $216,609,000 | 3,023 |
| Average earning assets | $196,305,670 | 3,053 |
| Average equity | $15,296,670 | 4,066 |
| Average total loans | $157,189,000 | 2,874 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2959% | 5,905 |
| Cost of funding earning assets | 2.4052% | 2,270 |
| Net interest margin | 2.8908% | 6,769 |
| Noninterest income to average assets | 0.4541% | 4,729 |
| Noninterest expense to average assets | 2.9713% | 3,887 |
| Loan and lease loss provision to assets | 0.4691% | 2,599 |
| Net operating income to assets | -0.3467% | 6,735 |
| Return on assets (ROA) | 0.0301% | 6,339 |
| Pretax return on assets | 0.0038% | 6,366 |
| Return on Equity (ROE) | 0.4125% | 6,304 |
| Retained earnings to average equity (ytd only) | 0.4125% | 5,494 |
| Net charge-offs to loans | 1.2142% | 1,151 |
| Credit loss provision to net charge-offs | 51.0246% | 4,661 |
| Earnings coverage of net charge-offs (x) | 0.1045% | 4,901 |
| Efficiency ratio | 96.8673% | 1,273 |
| Assets per employee ($millions) | 5.6750% | 1,417 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3407% | 907 |
| Loan loss allowance to noncurrent loans | 28.8142% | 6,630 |
| Noncurrent assets plus other real estate owned to assets | 6.0899% | 646 |
| Noncurrent loans to loans | 8.1233% | 437 |
| Net loans and leases to total assets | 68.5583% | 4,005 |
| Net loans and leases to deposits | 79.1152% | 4,758 |
| Net loans and leases to core deposits | 95.4123% | 5,028 |
| Total domestic deposits to total assets | 86.6563% | 2,379 |
| Equity capital to assets | 6.8208% | 7,757 |
| Core capital (leverage) ratio | 7.3664% | 7,304 |
| Tier 1 risk-based capital ratio | 9.4105% | 7,504 |
| Total risk-based capital ratio | 10.6731% | 7,445 |
| Memoranda: | ||
| Average total assets | $212,300,000 | 3,093 |
| Average earning assets | $191,920,500 | 3,128 |
| Average equity | $15,514,000 | 4,037 |
| Average total loans | $160,760,500 | 2,831 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1827% | 4,601 |
| Cost of funding earning assets | 2.7497% | 2,928 |
| Net interest margin | 3.4329% | 5,533 |
| Noninterest income to average assets | 0.5515% | 4,220 |
| Noninterest expense to average assets | 3.2218% | 3,249 |
| Loan and lease loss provision to assets | 1.3761% | 1,009 |
| Net operating income to assets | -0.5464% | 6,956 |
| Return on assets (ROA) | -0.5461% | 6,841 |
| Pretax return on assets | -0.9354% | 6,962 |
| Return on Equity (ROE) | -6.8810% | 7,037 |
| Retained earnings to average equity (ytd only) | -6.8810% | 6,771 |
| Net charge-offs to loans | 0.7571% | 1,636 |
| Credit loss provision to net charge-offs | 225.8900% | 2,107 |
| Earnings coverage of net charge-offs (x) | 0.7225% | 5,789 |
| Efficiency ratio | 87.9812% | 1,681 |
| Assets per employee ($millions) | 4.0327% | 3,444 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4475% | 722 |
| Loan loss allowance to noncurrent loans | 53.2323% | 5,332 |
| Noncurrent assets plus other real estate owned to assets | 4.3684% | 883 |
| Noncurrent loans to loans | 4.5978% | 1,030 |
| Net loans and leases to total assets | 80.0579% | 1,650 |
| Net loans and leases to deposits | 93.9406% | 2,772 |
| Net loans and leases to core deposits | 114.3828% | 3,290 |
| Total domestic deposits to total assets | 85.2218% | 2,740 |
| Equity capital to assets | 7.8668% | 7,018 |
| Core capital (leverage) ratio | 7.4744% | 7,236 |
| Tier 1 risk-based capital ratio | 9.1176% | 7,697 |
| Total risk-based capital ratio | 10.3697% | 7,659 |
| Memoranda: | ||
| Average total assets | $202,897,400 | 3,104 |
| Average earning assets | $183,836,200 | 3,141 |
| Average equity | $16,102,200 | 3,909 |
| Average total loans | $163,263,800 | 2,727 |