Home > Citizens State Bank > Performance and Condition Ratios
Citizens State 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 | 4.5375% | 2,069 |
| Cost of funding earning assets | 0.6133% | 2,540 |
| Net interest margin | 3.9243% | 2,202 |
| Noninterest income to average assets | 0.4587% | 4,031 |
| Noninterest expense to average assets | 3.1161% | 2,687 |
| Loan and lease loss provision to assets | 0.3664% | 854 |
| Net operating income to assets | 0.0679% | 6,102 |
| Return on assets (ROA) | 0.0679% | 6,149 |
| Pretax return on assets | 0.0679% | 6,133 |
| Return on Equity (ROE) | 0.5388% | 6,160 |
| Retained earnings to average equity (ytd only) | 0.2155% | 5,747 |
| Net charge-offs to loans | 0.7276% | 885 |
| Credit loss provision to net charge-offs | 162.6506% | 1,403 |
| Earnings coverage of net charge-offs (x) | 1.9277% | 4,408 |
| Efficiency ratio | 87.7676% | 1,242 |
| Assets per employee ($millions) | 4.6590% | 2,641 |
| Cash dividends to net income (ytd only)* | 60.0000% | 1,761 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5006% | 291 |
| Loan loss allowance to noncurrent loans | 58.2931% | 4,929 |
| Noncurrent assets plus other real estate owned to assets | 1.7869% | 2,067 |
| Noncurrent loans to loans | 6.0052% | 344 |
| Net loans and leases to total assets | 26.7734% | 6,554 |
| Net loans and leases to deposits | 30.4396% | 6,575 |
| Net loans and leases to core deposits | 31.1805% | 6,579 |
| Total domestic deposits to total assets | 87.9561% | 2,199 |
| Equity capital to assets | 11.3973% | 2,239 |
| Core capital (leverage) ratio | 12.6670% | 1,274 |
| Tier 1 risk-based capital ratio | 40.3421% | 227 |
| Total risk-based capital ratio | 41.6184% | 223 |
| Memoranda: | ||
| Average total assets | $36,841,400 | 6,368 |
| Average earning assets | $29,024,600 | 6,466 |
| Average equity | $4,639,800 | 6,157 |
| Average total loans | $11,408,000 | 6,542 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5970% | 1,917 |
| Cost of funding earning assets | 0.5990% | 2,816 |
| Net interest margin | 3.9980% | 1,953 |
| Noninterest income to average assets | 0.4210% | 4,363 |
| Noninterest expense to average assets | 2.6641% | 4,150 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.9364% | 2,654 |
| Return on assets (ROA) | 0.9364% | 2,769 |
| Pretax return on assets | 0.9546% | 3,674 |
| Return on Equity (ROE) | 7.2606% | 3,509 |
| Retained earnings to average equity (ytd only) | 6.8385% | 1,952 |
| Net charge-offs to loans | 0.7195% | 826 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 4.1745% | 3,522 |
| Efficiency ratio | 73.6209% | 3,119 |
| Assets per employee ($millions) | 4.5684% | 2,770 |
| Cash dividends to net income (ytd only)* | 5.8141% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2763% | 1,218 |
| Loan loss allowance to noncurrent loans | 43.7168% | 5,491 |
| Noncurrent assets plus other real estate owned to assets | 1.6691% | 2,463 |
| Noncurrent loans to loans | 5.2069% | 554 |
| Net loans and leases to total assets | 29.0147% | 6,561 |
| Net loans and leases to deposits | 33.3155% | 6,585 |
| Net loans and leases to core deposits | 34.1492% | 6,608 |
| Total domestic deposits to total assets | 87.0906% | 2,642 |
| Equity capital to assets | 12.6276% | 1,513 |
| Core capital (leverage) ratio | 13.7199% | 947 |
| Tier 1 risk-based capital ratio | 40.8341% | 232 |
| Total risk-based capital ratio | 41.5976% | 234 |
| Memoranda: | ||
| Average total assets | $36,733,750 | 6,438 |
| Average earning assets | $29,380,750 | 6,532 |
| Average equity | $4,737,750 | 6,213 |
| Average total loans | $11,674,750 | 6,602 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6691% | 1,654 |
| Cost of funding earning assets | 0.5879% | 3,052 |
| Net interest margin | 4.0812% | 1,594 |
| Noninterest income to average assets | 0.4240% | 4,350 |
| Noninterest expense to average assets | 2.7883% | 3,712 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.9186% | 2,704 |
| Return on assets (ROA) | 0.9186% | 2,843 |
| Pretax return on assets | 0.9186% | 3,838 |
| Return on Equity (ROE) | 7.0731% | 3,557 |
| Retained earnings to average equity (ytd only) | 6.4453% | 2,176 |
| Net charge-offs to loans | -0.5523% | 6,832 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2199% | 2,908 |
| Assets per employee ($millions) | 4.5540% | 2,734 |
| Cash dividends to net income (ytd only)* | 8.8757% | 3,339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1162% | 519 |
| Loan loss allowance to noncurrent loans | 110.2894% | 3,212 |
| Noncurrent assets plus other real estate owned to assets | 0.9772% | 3,814 |
| Noncurrent loans to loans | 2.8255% | 1,599 |
| Net loans and leases to total assets | 29.2710% | 6,600 |
| Net loans and leases to deposits | 33.6170% | 6,625 |
| Net loans and leases to core deposits | 34.4589% | 6,637 |
| Total domestic deposits to total assets | 87.0718% | 2,779 |
| Equity capital to assets | 12.7717% | 1,429 |
| Core capital (leverage) ratio | 13.3146% | 1,048 |
| Tier 1 risk-based capital ratio | 39.6767% | 238 |
| Total risk-based capital ratio | 40.9438% | 235 |
| Memoranda: | ||
| Average total assets | $36,796,000 | 6,487 |
| Average earning assets | $29,599,000 | 6,572 |
| Average equity | $4,778,670 | 6,246 |
| Average total loans | $11,949,330 | 6,632 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7656% | 1,362 |
| Cost of funding earning assets | 0.5890% | 3,216 |
| Net interest margin | 4.1766% | 1,251 |
| Noninterest income to average assets | 0.4002% | 4,454 |
| Noninterest expense to average assets | 2.9639% | 3,101 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.8113% | 3,094 |
| Return on assets (ROA) | 0.8113% | 3,232 |
| Pretax return on assets | 0.8113% | 4,129 |
| Return on Equity (ROE) | 6.1964% | 3,941 |
| Retained earnings to average equity (ytd only) | 6.1964% | 2,572 |
| Net charge-offs to loans | -1.7391% | 6,950 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5100% | 2,533 |
| Assets per employee ($millions) | 4.6538% | 2,723 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0650% | 613 |
| Loan loss allowance to noncurrent loans | 102.2472% | 3,293 |
| Noncurrent assets plus other real estate owned to assets | 1.0771% | 3,776 |
| Noncurrent loans to loans | 2.9976% | 1,673 |
| Net loans and leases to total assets | 30.9213% | 6,567 |
| Net loans and leases to deposits | 35.6696% | 6,585 |
| Net loans and leases to core deposits | 36.5449% | 6,610 |
| Total domestic deposits to total assets | 86.6882% | 3,135 |
| Equity capital to assets | 13.0620% | 1,398 |
| Core capital (leverage) ratio | 12.9836% | 1,118 |
| Tier 1 risk-based capital ratio | 36.7853% | 297 |
| Total risk-based capital ratio | 38.0559% | 289 |
| Memoranda: | ||
| Average total assets | $36,978,000 | 6,547 |
| Average earning assets | $29,881,000 | 6,622 |
| Average equity | $4,841,500 | 6,290 |
| Average total loans | $12,420,500 | 6,679 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5834% | 530 |
| Cost of funding earning assets | 0.6166% | 4,204 |
| Net interest margin | 4.9668% | 407 |
| Noninterest income to average assets | 0.4165% | 4,480 |
| Noninterest expense to average assets | 2.6308% | 4,638 |
| Loan and lease loss provision to assets | 0.8687% | 530 |
| Net operating income to assets | 0.5892% | 4,289 |
| Return on assets (ROA) | 0.5892% | 4,549 |
| Pretax return on assets | 0.9564% | 3,720 |
| Return on Equity (ROE) | 4.5545% | 4,898 |
| Retained earnings to average equity (ytd only) | 3.9190% | 3,445 |
| Net charge-offs to loans | 1.9098% | 397 |
| Credit loss provision to net charge-offs | 111.2281% | 2,623 |
| Earnings coverage of net charge-offs (x) | 2.3368% | 4,244 |
| Efficiency ratio | 59.0406% | 5,698 |
| Assets per employee ($millions) | 4.0807% | 3,789 |
| Cash dividends to net income (ytd only)* | 13.9535% | 3,958 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3911% | 1,246 |
| Loan loss allowance to noncurrent loans | 179.1908% | 2,018 |
| Noncurrent assets plus other real estate owned to assets | 0.5936% | 4,993 |
| Noncurrent loans to loans | 1.3344% | 3,613 |
| Net loans and leases to total assets | 34.4579% | 6,523 |
| Net loans and leases to deposits | 39.8019% | 6,563 |
| Net loans and leases to core deposits | 41.1264% | 6,573 |
| Total domestic deposits to total assets | 86.5735% | 3,059 |
| Equity capital to assets | 13.1242% | 1,380 |
| Core capital (leverage) ratio | 13.0320% | 1,108 |
| Tier 1 risk-based capital ratio | 33.9602% | 368 |
| Total risk-based capital ratio | 35.2092% | 365 |
| Memoranda: | ||
| Average total assets | $36,490,600 | 6,597 |
| Average earning assets | $29,677,200 | 6,673 |
| Average equity | $4,720,600 | 6,377 |
| Average total loans | $14,922,800 | 6,662 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7122% | 452 |
| Cost of funding earning assets | 0.6237% | 4,419 |
| Net interest margin | 5.0885% | 345 |
| Noninterest income to average assets | 0.4209% | 4,476 |
| Noninterest expense to average assets | 2.5984% | 4,750 |
| Loan and lease loss provision to assets | 1.0137% | 398 |
| Net operating income to assets | 0.4684% | 4,961 |
| Return on assets (ROA) | 0.4684% | 5,216 |
| Pretax return on assets | 0.9588% | 3,884 |
| Return on Equity (ROE) | 3.6344% | 5,440 |
| Retained earnings to average equity (ytd only) | 3.2084% | 4,612 |
| Net charge-offs to loans | 2.0416% | 345 |
| Credit loss provision to net charge-offs | 117.3729% | 2,477 |
| Earnings coverage of net charge-offs (x) | 2.2839% | 4,126 |
| Efficiency ratio | 56.8455% | 5,939 |
| Assets per employee ($millions) | 4.0243% | 3,821 |
| Cash dividends to net income (ytd only)* | 11.7192% | 3,368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2626% | 1,595 |
| Loan loss allowance to noncurrent loans | 93.8235% | 3,419 |
| Noncurrent assets plus other real estate owned to assets | 1.0630% | 4,159 |
| Noncurrent loans to loans | 2.4115% | 2,388 |
| Net loans and leases to total assets | 38.0463% | 6,413 |
| Net loans and leases to deposits | 43.9680% | 6,503 |
| Net loans and leases to core deposits | 45.4485% | 6,539 |
| Total domestic deposits to total assets | 86.5319% | 2,966 |
| Equity capital to assets | 13.1285% | 1,528 |
| Core capital (leverage) ratio | 12.8181% | 1,268 |
| Tier 1 risk-based capital ratio | 31.3231% | 467 |
| Total risk-based capital ratio | 32.5871% | 464 |
| Memoranda: | ||
| Average total assets | $36,431,750 | 6,679 |
| Average earning assets | $29,713,250 | 6,756 |
| Average equity | $4,695,750 | 6,458 |
| Average total loans | $15,412,250 | 6,720 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8265% | 391 |
| Cost of funding earning assets | 0.6399% | 4,531 |
| Net interest margin | 5.1866% | 298 |
| Noninterest income to average assets | 0.4328% | 4,417 |
| Noninterest expense to average assets | 2.5368% | 5,010 |
| Loan and lease loss provision to assets | 1.5177% | 238 |
| Net operating income to assets | 0.1370% | 6,073 |
| Return on assets (ROA) | 0.1370% | 6,239 |
| Pretax return on assets | 0.5972% | 5,144 |
| Return on Equity (ROE) | 1.0693% | 6,289 |
| Retained earnings to average equity (ytd only) | 0.4277% | 5,899 |
| Net charge-offs to loans | 2.5868% | 267 |
| Credit loss provision to net charge-offs | 135.1220% | 2,038 |
| Earnings coverage of net charge-offs (x) | 1.8829% | 4,031 |
| Efficiency ratio | 54.5347% | 6,269 |
| Assets per employee ($millions) | 3.6719% | 4,588 |
| Cash dividends to net income (ytd only)* | 60.0000% | 1,363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3205% | 1,557 |
| Loan loss allowance to noncurrent loans | 107.3620% | 3,009 |
| Noncurrent assets plus other real estate owned to assets | 1.0104% | 4,353 |
| Noncurrent loans to loans | 2.1614% | 2,751 |
| Net loans and leases to total assets | 40.1236% | 6,329 |
| Net loans and leases to deposits | 46.1878% | 6,422 |
| Net loans and leases to core deposits | 47.7120% | 6,480 |
| Total domestic deposits to total assets | 86.8706% | 2,848 |
| Equity capital to assets | 12.7346% | 1,665 |
| Core capital (leverage) ratio | 12.3262% | 1,434 |
| Tier 1 risk-based capital ratio | 29.3595% | 551 |
| Total risk-based capital ratio | 30.6225% | 537 |
| Memoranda: | ||
| Average total assets | $36,502,670 | 6,722 |
| Average earning assets | $29,692,000 | 6,803 |
| Average equity | $4,676,000 | 6,494 |
| Average total loans | $15,850,000 | 6,744 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9235% | 345 |
| Cost of funding earning assets | 0.6361% | 4,844 |
| Net interest margin | 5.2874% | 254 |
| Noninterest income to average assets | 0.4067% | 4,627 |
| Noninterest expense to average assets | 2.6048% | 4,803 |
| Loan and lease loss provision to assets | 0.3297% | 1,899 |
| Net operating income to assets | 1.2639% | 1,558 |
| Return on assets (ROA) | 1.2639% | 1,729 |
| Pretax return on assets | 1.8574% | 956 |
| Return on Equity (ROE) | 9.8375% | 2,460 |
| Retained earnings to average equity (ytd only) | 9.8375% | 1,311 |
| Net charge-offs to loans | -0.7885% | 7,195 |
| Credit loss provision to net charge-offs | -93.7500% | 5,488 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.3578% | 6,309 |
| Assets per employee ($millions) | 3.7675% | 4,501 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0922% | 2,121 |
| Loan loss allowance to noncurrent loans | 48.7106% | 5,140 |
| Noncurrent assets plus other real estate owned to assets | 1.8527% | 3,109 |
| Noncurrent loans to loans | 4.2951% | 1,391 |
| Net loans and leases to total assets | 42.2322% | 6,172 |
| Net loans and leases to deposits | 48.5003% | 6,262 |
| Net loans and leases to core deposits | 49.6614% | 6,362 |
| Total domestic deposits to total assets | 87.0763% | 2,915 |
| Equity capital to assets | 12.5202% | 1,711 |
| Core capital (leverage) ratio | 12.5688% | 1,309 |
| Tier 1 risk-based capital ratio | 28.1478% | 628 |
| Total risk-based capital ratio | 29.3738% | 615 |
| Memoranda: | ||
| Average total assets | $36,394,500 | 6,786 |
| Average earning assets | $30,185,000 | 6,839 |
| Average equity | $4,676,000 | 6,522 |
| Average total loans | $16,233,500 | 6,784 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3635% | 228 |
| Cost of funding earning assets | 0.7444% | 5,247 |
| Net interest margin | 5.6191% | 146 |
| Noninterest income to average assets | 0.4581% | 4,159 |
| Noninterest expense to average assets | 2.7799% | 4,427 |
| Loan and lease loss provision to assets | 0.6544% | 1,554 |
| Net operating income to assets | 1.3089% | 1,223 |
| Return on assets (ROA) | 1.3089% | 1,332 |
| Pretax return on assets | 1.9206% | 637 |
| Return on Equity (ROE) | 10.4308% | 1,900 |
| Retained earnings to average equity (ytd only) | 9.7506% | 612 |
| Net charge-offs to loans | 1.5321% | 1,042 |
| Credit loss provision to net charge-offs | 85.5019% | 4,219 |
| Earnings coverage of net charge-offs (x) | 3.3643% | 3,545 |
| Efficiency ratio | 51.9129% | 6,708 |
| Assets per employee ($millions) | 3.5114% | 4,985 |
| Cash dividends to net income (ytd only)* | 6.5217% | 3,948 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7144% | 3,147 |
| Loan loss allowance to noncurrent loans | 38.1868% | 5,718 |
| Noncurrent assets plus other real estate owned to assets | 2.0732% | 2,873 |
| Noncurrent loans to loans | 4.4894% | 1,330 |
| Net loans and leases to total assets | 45.3893% | 6,066 |
| Net loans and leases to deposits | 52.5365% | 6,167 |
| Net loans and leases to core deposits | 53.8956% | 6,311 |
| Total domestic deposits to total assets | 86.3957% | 3,079 |
| Equity capital to assets | 13.1999% | 1,397 |
| Core capital (leverage) ratio | 13.0670% | 1,116 |
| Tier 1 risk-based capital ratio | 27.6420% | 649 |
| Total risk-based capital ratio | 28.8763% | 639 |
| Memoranda: | ||
| Average total assets | $35,144,600 | 6,825 |
| Average earning assets | $30,627,800 | 6,850 |
| Average equity | $4,410,000 | 6,628 |
| Average total loans | $17,557,400 | 6,781 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5527% | 183 |
| Cost of funding earning assets | 0.7714% | 5,325 |
| Net interest margin | 5.7813% | 120 |
| Noninterest income to average assets | 0.4589% | 4,228 |
| Noninterest expense to average assets | 2.7537% | 4,521 |
| Loan and lease loss provision to assets | 0.5879% | 1,673 |
| Net operating income to assets | 1.5665% | 822 |
| Return on assets (ROA) | 1.5665% | 897 |
| Pretax return on assets | 2.1771% | 447 |
| Return on Equity (ROE) | 12.6477% | 1,375 |
| Retained earnings to average equity (ytd only) | 12.1883% | 481 |
| Net charge-offs to loans | 0.4098% | 3,087 |
| Credit loss provision to net charge-offs | 281.8182% | 1,016 |
| Earnings coverage of net charge-offs (x) | 13.2549% | 1,633 |
| Efficiency ratio | 49.8969% | 6,835 |
| Assets per employee ($millions) | 3.5076% | 4,977 |
| Cash dividends to net income (ytd only)* | 3.6321% | 3,446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4913% | 1,408 |
| Loan loss allowance to noncurrent loans | 52.1902% | 4,876 |
| Noncurrent assets plus other real estate owned to assets | 2.2779% | 2,810 |
| Noncurrent loans to loans | 4.7736% | 1,350 |
| Net loans and leases to total assets | 46.5304% | 6,102 |
| Net loans and leases to deposits | 53.9145% | 6,218 |
| Net loans and leases to core deposits | 55.3067% | 6,365 |
| Total domestic deposits to total assets | 86.3040% | 3,035 |
| Equity capital to assets | 13.2341% | 1,498 |
| Core capital (leverage) ratio | 12.6312% | 1,375 |
| Tier 1 risk-based capital ratio | 26.8307% | 746 |
| Total risk-based capital ratio | 28.0730% | 739 |
| Memoranda: | ||
| Average total assets | $35,152,250 | 6,889 |
| Average earning assets | $30,765,000 | 6,913 |
| Average equity | $4,353,750 | 6,690 |
| Average total loans | $17,892,750 | 6,826 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5186% | 198 |
| Cost of funding earning assets | 0.7696% | 5,565 |
| Net interest margin | 5.7491% | 120 |
| Noninterest income to average assets | 0.4719% | 4,095 |
| Noninterest expense to average assets | 2.8086% | 4,398 |
| Loan and lease loss provision to assets | 0.5401% | 1,804 |
| Net operating income to assets | 1.5692% | 773 |
| Return on assets (ROA) | 1.5692% | 823 |
| Pretax return on assets | 2.1775% | 425 |
| Return on Equity (ROE) | 12.9648% | 1,209 |
| Retained earnings to average equity (ytd only) | 12.2602% | 490 |
| Net charge-offs to loans | 0.4486% | 2,783 |
| Credit loss provision to net charge-offs | 231.7073% | 1,296 |
| Earnings coverage of net charge-offs (x) | 11.6585% | 1,695 |
| Efficiency ratio | 50.8230% | 6,883 |
| Assets per employee ($millions) | 3.5013% | 4,933 |
| Cash dividends to net income (ytd only)* | 5.4348% | 3,221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0204% | 2,312 |
| Loan loss allowance to noncurrent loans | 62.8814% | 4,298 |
| Noncurrent assets plus other real estate owned to assets | 1.6851% | 3,658 |
| Noncurrent loans to loans | 3.2130% | 2,228 |
| Net loans and leases to total assets | 51.3866% | 5,647 |
| Net loans and leases to deposits | 58.9882% | 5,823 |
| Net loans and leases to core deposits | 60.4976% | 6,049 |
| Total domestic deposits to total assets | 87.1134% | 2,679 |
| Equity capital to assets | 12.6382% | 1,715 |
| Core capital (leverage) ratio | 12.4511% | 1,387 |
| Tier 1 risk-based capital ratio | 24.1571% | 989 |
| Total risk-based capital ratio | 25.4166% | 963 |
| Memoranda: | ||
| Average total assets | $35,177,670 | 6,949 |
| Average earning assets | $30,926,670 | 6,969 |
| Average equity | $4,257,670 | 6,760 |
| Average total loans | $18,277,670 | 6,875 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5292% | 203 |
| Cost of funding earning assets | 0.7804% | 5,670 |
| Net interest margin | 5.7488% | 117 |
| Noninterest income to average assets | 0.4538% | 4,249 |
| Noninterest expense to average assets | 2.7453% | 4,658 |
| Loan and lease loss provision to assets | 0.5105% | 1,705 |
| Net operating income to assets | 1.6222% | 659 |
| Return on assets (ROA) | 1.6222% | 697 |
| Pretax return on assets | 2.2121% | 391 |
| Return on Equity (ROE) | 13.7039% | 1,041 |
| Retained earnings to average equity (ytd only) | 13.7039% | 502 |
| Net charge-offs to loans | -0.3510% | 7,363 |
| Credit loss provision to net charge-offs | -281.2500% | 5,851 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.2075% | 6,975 |
| Assets per employee ($millions) | 3.5736% | 4,818 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0750% | 2,234 |
| Loan loss allowance to noncurrent loans | 111.1765% | 2,606 |
| Noncurrent assets plus other real estate owned to assets | 0.9514% | 4,993 |
| Noncurrent loans to loans | 1.8664% | 3,738 |
| Net loans and leases to total assets | 49.9188% | 5,861 |
| Net loans and leases to deposits | 56.8248% | 6,048 |
| Net loans and leases to core deposits | 58.2308% | 6,234 |
| Total domestic deposits to total assets | 87.8470% | 2,462 |
| Equity capital to assets | 11.7976% | 2,045 |
| Core capital (leverage) ratio | 12.1162% | 1,500 |
| Tier 1 risk-based capital ratio | 23.4642% | 1,030 |
| Total risk-based capital ratio | 24.7269% | 1,015 |
| Memoranda: | ||
| Average total assets | $35,260,000 | 6,997 |
| Average earning assets | $30,754,000 | 7,024 |
| Average equity | $4,174,000 | 6,817 |
| Average total loans | $18,235,000 | 6,928 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5744% | 291 |
| Cost of funding earning assets | 0.9504% | 5,933 |
| Net interest margin | 5.6239% | 145 |
| Noninterest income to average assets | 0.6505% | 3,149 |
| Noninterest expense to average assets | 2.7205% | 4,895 |
| Loan and lease loss provision to assets | 1.0202% | 1,589 |
| Net operating income to assets | 1.5081% | 754 |
| Return on assets (ROA) | 1.5081% | 813 |
| Pretax return on assets | 1.9842% | 494 |
| Return on Equity (ROE) | 12.8677% | 1,121 |
| Retained earnings to average equity (ytd only) | 12.1108% | 267 |
| Net charge-offs to loans | 1.5736% | 1,387 |
| Credit loss provision to net charge-offs | 124.1007% | 3,328 |
| Earnings coverage of net charge-offs (x) | 3.6547% | 3,250 |
| Efficiency ratio | 47.5207% | 7,284 |
| Assets per employee ($millions) | 3.4784% | 4,986 |
| Cash dividends to net income (ytd only)* | 5.8824% | 3,859 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7367% | 3,081 |
| Loan loss allowance to noncurrent loans | 100.3165% | 2,889 |
| Noncurrent assets plus other real estate owned to assets | 0.9085% | 5,205 |
| Noncurrent loans to loans | 1.7312% | 3,902 |
| Net loans and leases to total assets | 51.5639% | 5,981 |
| Net loans and leases to deposits | 58.7815% | 6,181 |
| Net loans and leases to core deposits | 59.2847% | 6,451 |
| Total domestic deposits to total assets | 87.7214% | 2,408 |
| Equity capital to assets | 11.8790% | 1,984 |
| Core capital (leverage) ratio | 12.0258% | 1,528 |
| Tier 1 risk-based capital ratio | 22.8830% | 1,053 |
| Total risk-based capital ratio | 24.1377% | 1,033 |
| Memoranda: | ||
| Average total assets | $33,817,800 | 7,085 |
| Average earning assets | $30,512,400 | 7,073 |
| Average equity | $3,963,400 | 7,015 |
| Average total loans | $17,666,400 | 7,049 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5579% | 308 |
| Cost of funding earning assets | 0.9904% | 5,978 |
| Net interest margin | 5.5674% | 153 |
| Noninterest income to average assets | 0.6631% | 3,051 |
| Noninterest expense to average assets | 2.7201% | 4,795 |
| Loan and lease loss provision to assets | 1.0126% | 1,461 |
| Net operating income to assets | 1.5169% | 889 |
| Return on assets (ROA) | 1.5169% | 969 |
| Pretax return on assets | 1.9974% | 621 |
| Return on Equity (ROE) | 12.9887% | 1,251 |
| Retained earnings to average equity (ytd only) | 12.4787% | 406 |
| Net charge-offs to loans | 1.7275% | 1,127 |
| Credit loss provision to net charge-offs | 112.3348% | 3,758 |
| Earnings coverage of net charge-offs (x) | 3.3392% | 3,485 |
| Efficiency ratio | 47.4705% | 7,300 |
| Assets per employee ($millions) | 3.4411% | 5,117 |
| Cash dividends to net income (ytd only)* | 3.9268% | 3,460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5749% | 3,639 |
| Loan loss allowance to noncurrent loans | 63.3257% | 4,130 |
| Noncurrent assets plus other real estate owned to assets | 1.2758% | 4,592 |
| Noncurrent loans to loans | 2.4870% | 3,132 |
| Net loans and leases to total assets | 50.4897% | 6,273 |
| Net loans and leases to deposits | 57.8805% | 6,470 |
| Net loans and leases to core deposits | 58.3804% | 6,705 |
| Total domestic deposits to total assets | 87.2308% | 2,410 |
| Equity capital to assets | 12.1444% | 2,062 |
| Core capital (leverage) ratio | 11.5957% | 1,876 |
| Tier 1 risk-based capital ratio | 22.7083% | 1,107 |
| Total risk-based capital ratio | 23.9599% | 1,077 |
| Memoranda: | ||
| Average total assets | $33,576,250 | 7,180 |
| Average earning assets | $30,558,000 | 7,154 |
| Average equity | $3,921,250 | 7,109 |
| Average total loans | $17,519,750 | 7,149 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5360% | 320 |
| Cost of funding earning assets | 1.0121% | 6,085 |
| Net interest margin | 5.5239% | 160 |
| Noninterest income to average assets | 0.6727% | 2,869 |
| Noninterest expense to average assets | 2.7629% | 4,648 |
| Loan and lease loss provision to assets | 0.5105% | 2,759 |
| Net operating income to assets | 1.9941% | 332 |
| Return on assets (ROA) | 1.9941% | 369 |
| Pretax return on assets | 2.4806% | 240 |
| Return on Equity (ROE) | 17.3127% | 542 |
| Retained earnings to average equity (ytd only) | 16.5305% | 173 |
| Net charge-offs to loans | 0.3891% | 3,422 |
| Credit loss provision to net charge-offs | 250.0000% | 1,522 |
| Earnings coverage of net charge-offs (x) | 14.6471% | 1,507 |
| Efficiency ratio | 48.0167% | 7,347 |
| Assets per employee ($millions) | 3.8852% | 4,018 |
| Cash dividends to net income (ytd only)* | 4.5181% | 3,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6232% | 3,356 |
| Loan loss allowance to noncurrent loans | 94.9527% | 2,894 |
| Noncurrent assets plus other real estate owned to assets | 0.9066% | 5,306 |
| Noncurrent loans to loans | 1.7094% | 4,121 |
| Net loans and leases to total assets | 52.1720% | 6,194 |
| Net loans and leases to deposits | 59.4409% | 6,462 |
| Net loans and leases to core deposits | 59.9428% | 6,719 |
| Total domestic deposits to total assets | 87.7713% | 2,127 |
| Equity capital to assets | 11.7196% | 2,266 |
| Core capital (leverage) ratio | 11.8437% | 1,732 |
| Tier 1 risk-based capital ratio | 20.0383% | 1,512 |
| Total risk-based capital ratio | 21.2828% | 1,476 |
| Memoranda: | ||
| Average total assets | $33,298,000 | 7,245 |
| Average earning assets | $30,630,330 | 7,204 |
| Average equity | $3,835,330 | 7,173 |
| Average total loans | $17,475,670 | 7,198 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4779% | 375 |
| Cost of funding earning assets | 1.0685% | 6,049 |
| Net interest margin | 5.4094% | 207 |
| Noninterest income to average assets | 0.4682% | 4,316 |
| Noninterest expense to average assets | 2.8463% | 4,295 |
| Loan and lease loss provision to assets | 0.3696% | 3,149 |
| Net operating income to assets | 1.7497% | 552 |
| Return on assets (ROA) | 1.7497% | 603 |
| Pretax return on assets | 2.2425% | 392 |
| Return on Equity (ROE) | 15.3348% | 819 |
| Retained earnings to average equity (ytd only) | 15.3348% | 383 |
| Net charge-offs to loans | 0.3305% | 3,083 |
| Credit loss provision to net charge-offs | 214.2857% | 1,738 |
| Earnings coverage of net charge-offs (x) | 15.1429% | 1,393 |
| Efficiency ratio | 52.1445% | 7,137 |
| Assets per employee ($millions) | 3.6474% | 4,700 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5283% | 3,758 |
| Loan loss allowance to noncurrent loans | 74.3017% | 3,654 |
| Noncurrent assets plus other real estate owned to assets | 1.0906% | 4,965 |
| Noncurrent loans to loans | 2.0569% | 3,712 |
| Net loans and leases to total assets | 52.2101% | 6,248 |
| Net loans and leases to deposits | 59.3538% | 6,526 |
| Net loans and leases to core deposits | 59.8826% | 6,761 |
| Total domestic deposits to total assets | 87.9642% | 2,083 |
| Equity capital to assets | 11.5637% | 2,317 |
| Core capital (leverage) ratio | 11.6888% | 1,806 |
| Tier 1 risk-based capital ratio | 20.3163% | 1,462 |
| Total risk-based capital ratio | 21.5667% | 1,429 |
| Memoranda: | ||
| Average total assets | $32,463,500 | 7,360 |
| Average earning assets | $29,948,000 | 7,322 |
| Average equity | $3,704,000 | 7,285 |
| Average total loans | $16,941,500 | 7,319 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5068% | 662 |
| Cost of funding earning assets | 1.3069% | 6,282 |
| Net interest margin | 5.1999% | 293 |
| Noninterest income to average assets | 0.5000% | 4,413 |
| Noninterest expense to average assets | 2.7834% | 5,038 |
| Loan and lease loss provision to assets | 1.0796% | 2,119 |
| Net operating income to assets | 1.0000% | 1,842 |
| Return on assets (ROA) | 1.0669% | 1,647 |
| Pretax return on assets | 1.5223% | 1,131 |
| Return on Equity (ROE) | 9.3539% | 1,902 |
| Retained earnings to average equity (ytd only) | 8.5162% | 581 |
| Net charge-offs to loans | 1.6836% | 1,502 |
| Credit loss provision to net charge-offs | 131.9066% | 3,812 |
| Earnings coverage of net charge-offs (x) | 3.0623% | 3,537 |
| Efficiency ratio | 52.6189% | 7,342 |
| Assets per employee ($millions) | 3.5667% | 4,856 |
| Cash dividends to net income (ytd only)* | 8.9552% | 3,902 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5172% | 3,636 |
| Loan loss allowance to noncurrent loans | 46.2107% | 5,309 |
| Noncurrent assets plus other real estate owned to assets | 1.6854% | 3,839 |
| Noncurrent loans to loans | 3.2832% | 2,327 |
| Net loans and leases to total assets | 50.5545% | 6,571 |
| Net loans and leases to deposits | 57.1751% | 6,835 |
| Net loans and leases to core deposits | 70.9979% | 6,710 |
| Total domestic deposits to total assets | 88.4206% | 1,761 |
| Equity capital to assets | 11.2523% | 2,495 |
| Core capital (leverage) ratio | 11.1380% | 2,148 |
| Tier 1 risk-based capital ratio | 20.5682% | 1,367 |
| Total risk-based capital ratio | 21.8376% | 1,330 |
| Memoranda: | ||
| Average total assets | $31,400,800 | 7,427 |
| Average earning assets | $28,923,400 | 7,394 |
| Average equity | $3,581,400 | 7,423 |
| Average total loans | $15,265,200 | 7,437 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6151% | 598 |
| Cost of funding earning assets | 1.3461% | 6,408 |
| Net interest margin | 5.2690% | 272 |
| Noninterest income to average assets | 0.4868% | 4,606 |
| Noninterest expense to average assets | 2.8608% | 4,612 |
| Loan and lease loss provision to assets | 0.4868% | 3,468 |
| Net operating income to assets | 1.3920% | 1,051 |
| Return on assets (ROA) | 1.3920% | 1,114 |
| Pretax return on assets | 2.0026% | 535 |
| Return on Equity (ROE) | 12.1626% | 1,316 |
| Retained earnings to average equity (ytd only) | 11.6029% | 394 |
| Net charge-offs to loans | 1.4347% | 1,441 |
| Credit loss provision to net charge-offs | 70.8075% | 5,971 |
| Earnings coverage of net charge-offs (x) | 3.6211% | 3,453 |
| Efficiency ratio | 53.4717% | 7,291 |
| Assets per employee ($millions) | 3.5691% | 4,767 |
| Cash dividends to net income (ytd only)* | 4.6013% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7580% | 7,239 |
| Loan loss allowance to noncurrent loans | 38.6581% | 5,786 |
| Noncurrent assets plus other real estate owned to assets | 0.9744% | 5,113 |
| Noncurrent loans to loans | 1.9607% | 3,688 |
| Net loans and leases to total assets | 49.3213% | 6,842 |
| Net loans and leases to deposits | 56.0378% | 7,084 |
| Net loans and leases to core deposits | 70.5168% | 6,938 |
| Total domestic deposits to total assets | 88.0144% | 1,643 |
| Equity capital to assets | 11.5155% | 2,569 |
| Core capital (leverage) ratio | 11.7217% | 1,959 |
| Tier 1 risk-based capital ratio | 21.1907% | 1,343 |
| Total risk-based capital ratio | 21.8867% | 1,386 |
| Memoranda: | ||
| Average total assets | $31,226,000 | 7,494 |
| Average earning assets | $28,822,250 | 7,466 |
| Average equity | $3,573,750 | 7,485 |
| Average total loans | $14,962,000 | 7,525 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6427% | 610 |
| Cost of funding earning assets | 1.3758% | 6,561 |
| Net interest margin | 5.2669% | 259 |
| Noninterest income to average assets | 0.4785% | 4,640 |
| Noninterest expense to average assets | 2.8518% | 4,725 |
| Loan and lease loss provision to assets | 0.3815% | 3,636 |
| Net operating income to assets | 1.5326% | 781 |
| Return on assets (ROA) | 1.5326% | 837 |
| Pretax return on assets | 2.1470% | 397 |
| Return on Equity (ROE) | 13.4202% | 1,093 |
| Retained earnings to average equity (ytd only) | 12.5708% | 372 |
| Net charge-offs to loans | 0.2051% | 4,242 |
| Credit loss provision to net charge-offs | 393.3333% | 1,183 |
| Earnings coverage of net charge-offs (x) | 26.0667% | 1,099 |
| Efficiency ratio | 53.0048% | 7,436 |
| Assets per employee ($millions) | 3.4921% | 4,833 |
| Cash dividends to net income (ytd only)* | 6.3291% | 3,460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3520% | 3,970 |
| Loan loss allowance to noncurrent loans | 246.5116% | 1,254 |
| Noncurrent assets plus other real estate owned to assets | 0.2736% | 6,791 |
| Noncurrent loans to loans | 0.5485% | 6,171 |
| Net loans and leases to total assets | 49.2157% | 6,939 |
| Net loans and leases to deposits | 55.7144% | 7,181 |
| Net loans and leases to core deposits | 69.7008% | 7,034 |
| Total domestic deposits to total assets | 88.3356% | 1,606 |
| Equity capital to assets | 11.3048% | 2,679 |
| Core capital (leverage) ratio | 11.6277% | 2,025 |
| Tier 1 risk-based capital ratio | 21.0274% | 1,389 |
| Total risk-based capital ratio | 22.2677% | 1,363 |
| Memoranda: | ||
| Average total assets | $30,927,330 | 7,569 |
| Average earning assets | $28,783,330 | 7,537 |
| Average equity | $3,532,000 | 7,565 |
| Average total loans | $14,628,000 | 7,612 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3306% | 1,219 |
| Cost of funding earning assets | 1.3883% | 6,774 |
| Net interest margin | 4.9423% | 467 |
| Noninterest income to average assets | 0.4955% | 4,362 |
| Noninterest expense to average assets | 2.6600% | 5,181 |
| Loan and lease loss provision to assets | 0.3260% | 3,369 |
| Net operating income to assets | 1.5784% | 812 |
| Return on assets (ROA) | 1.7212% | 682 |
| Pretax return on assets | 2.3471% | 336 |
| Return on Equity (ROE) | 14.9936% | 977 |
| Retained earnings to average equity (ytd only) | 14.9936% | 417 |
| Net charge-offs to loans | -0.1135% | 7,911 |
| Credit loss provision to net charge-offs | -625.0000% | 6,448 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.7766% | 7,441 |
| Assets per employee ($millions) | 3.4608% | 4,912 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3400% | 3,852 |
| Loan loss allowance to noncurrent loans | 269.8630% | 1,248 |
| Noncurrent assets plus other real estate owned to assets | 0.2344% | 6,819 |
| Noncurrent loans to loans | 0.4966% | 6,184 |
| Net loans and leases to total assets | 46.5663% | 7,150 |
| Net loans and leases to deposits | 52.8494% | 7,352 |
| Net loans and leases to core deposits | 64.3421% | 7,304 |
| Total domestic deposits to total assets | 88.1112% | 1,693 |
| Equity capital to assets | 11.2788% | 2,742 |
| Core capital (leverage) ratio | 11.5724% | 2,103 |
| Tier 1 risk-based capital ratio | 21.3867% | 1,391 |
| Total risk-based capital ratio | 22.5891% | 1,361 |
| Memoranda: | ||
| Average total assets | $30,676,500 | 7,621 |
| Average earning assets | $28,812,500 | 7,581 |
| Average equity | $3,521,500 | 7,622 |
| Average total loans | $14,102,000 | 7,683 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6265% | 2,367 |
| Cost of funding earning assets | 1.8097% | 6,980 |
| Net interest margin | 4.8168% | 755 |
| Noninterest income to average assets | 0.5906% | 3,911 |
| Noninterest expense to average assets | 2.9022% | 4,443 |
| Loan and lease loss provision to assets | 0.1884% | 5,005 |
| Net operating income to assets | 1.5145% | 990 |
| Return on assets (ROA) | 1.5145% | 959 |
| Pretax return on assets | 2.0326% | 553 |
| Return on Equity (ROE) | 13.1678% | 1,291 |
| Retained earnings to average equity (ytd only) | 12.2228% | 216 |
| Net charge-offs to loans | 0.0510% | 6,061 |
| Credit loss provision to net charge-offs | 866.6667% | 509 |
| Earnings coverage of net charge-offs (x) | 102.1667% | 422 |
| Efficiency ratio | 56.6478% | 6,919 |
| Assets per employee ($millions) | 3.3562% | 5,077 |
| Cash dividends to net income (ytd only)* | 7.1770% | 4,744 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2442% | 4,201 |
| Loan loss allowance to noncurrent loans | 212.6582% | 1,841 |
| Noncurrent assets plus other real estate owned to assets | 0.2615% | 6,532 |
| Noncurrent loans to loans | 0.5851% | 5,619 |
| Net loans and leases to total assets | 44.1469% | 7,457 |
| Net loans and leases to deposits | 50.3854% | 7,614 |
| Net loans and leases to core deposits | 60.7877% | 7,550 |
| Total domestic deposits to total assets | 87.6184% | 1,662 |
| Equity capital to assets | 11.6864% | 2,510 |
| Core capital (leverage) ratio | 11.7546% | 2,099 |
| Tier 1 risk-based capital ratio | 22.5858% | 1,241 |
| Total risk-based capital ratio | 23.6985% | 1,228 |
| Memoranda: | ||
| Average total assets | $27,599,800 | 7,745 |
| Average earning assets | $25,971,400 | 7,692 |
| Average equity | $3,174,400 | 7,778 |
| Average total loans | $11,763,400 | 7,845 |