Home > First Community Bank of Crawford County > Performance and Condition Ratios
First Community Bank of Crawford County, 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 | 5.3053% | 521 |
| Cost of funding earning assets | 0.9746% | 517 |
| Net interest margin | 4.3308% | 1,033 |
| Noninterest income to average assets | 0.5389% | 3,488 |
| Noninterest expense to average assets | 4.2463% | 664 |
| Loan and lease loss provision to assets | 4.9845% | 5 |
| Net operating income to assets | -3.2593% | 6,772 |
| Return on assets (ROA) | -3.2593% | 6,767 |
| Pretax return on assets | -5.0450% | 6,797 |
| Return on Equity (ROE) | -54.5007% | 6,779 |
| Retained earnings to average equity (ytd only) | -54.5007% | 6,776 |
| Net charge-offs to loans | 3.0753% | 79 |
| Credit loss provision to net charge-offs | 209.8380% | 1,097 |
| Earnings coverage of net charge-offs (x) | -0.0255% | 5,097 |
| Efficiency ratio | 101.4450% | 436 |
| Assets per employee ($millions) | 3.4134% | 5,054 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.7153% | 16 |
| Loan loss allowance to noncurrent loans | 136.3427% | 2,867 |
| Noncurrent assets plus other real estate owned to assets | 9.6467% | 136 |
| Noncurrent loans to loans | 6.3922% | 292 |
| Net loans and leases to total assets | 70.7980% | 1,881 |
| Net loans and leases to deposits | 77.0044% | 2,853 |
| Net loans and leases to core deposits | 88.6252% | 2,175 |
| Total domestic deposits to total assets | 91.9402% | 294 |
| Equity capital to assets | 4.5572% | 6,721 |
| Core capital (leverage) ratio | 0.5698% | 6,807 |
| Tier 1 risk-based capital ratio | 0.7867% | 6,808 |
| Total risk-based capital ratio | 1.5734% | 6,808 |
| Memoranda: | ||
| Average total assets | $72,745,400 | 5,402 |
| Average earning assets | $61,259,000 | 5,558 |
| Average equity | $4,350,400 | 6,250 |
| Average total loans | $56,190,400 | 4,745 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2592% | 569 |
| Cost of funding earning assets | 0.9105% | 779 |
| Net interest margin | 4.3487% | 987 |
| Noninterest income to average assets | 0.7234% | 2,494 |
| Noninterest expense to average assets | 4.5219% | 508 |
| Loan and lease loss provision to assets | 2.9428% | 16 |
| Net operating income to assets | -1.8190% | 6,792 |
| Return on assets (ROA) | -1.8190% | 6,796 |
| Pretax return on assets | -3.0504% | 6,846 |
| Return on Equity (ROE) | -29.0129% | 6,810 |
| Retained earnings to average equity (ytd only) | -29.0129% | 6,803 |
| Net charge-offs to loans | 3.1318% | 72 |
| Credit loss provision to net charge-offs | 121.7518% | 1,937 |
| Earnings coverage of net charge-offs (x) | -0.0445% | 4,867 |
| Efficiency ratio | 102.4380% | 392 |
| Assets per employee ($millions) | 3.1846% | 5,526 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1169% | 105 |
| Loan loss allowance to noncurrent loans | 85.9549% | 3,877 |
| Noncurrent assets plus other real estate owned to assets | 9.7283% | 144 |
| Noncurrent loans to loans | 5.9530% | 433 |
| Net loans and leases to total assets | 70.7598% | 1,826 |
| Net loans and leases to deposits | 78.1755% | 2,640 |
| Net loans and leases to core deposits | 90.7995% | 1,890 |
| Total domestic deposits to total assets | 90.5139% | 736 |
| Equity capital to assets | 6.2234% | 6,668 |
| Core capital (leverage) ratio | 3.3934% | 6,847 |
| Tier 1 risk-based capital ratio | 4.6943% | 6,852 |
| Total risk-based capital ratio | 5.9919% | 6,855 |
| Memoranda: | ||
| Average total assets | $75,571,500 | 5,393 |
| Average earning assets | $64,140,250 | 5,519 |
| Average equity | $4,738,000 | 6,212 |
| Average total loans | $58,325,000 | 4,713 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3317% | 495 |
| Cost of funding earning assets | 0.9035% | 881 |
| Net interest margin | 4.4282% | 806 |
| Noninterest income to average assets | 0.6448% | 2,939 |
| Noninterest expense to average assets | 4.4144% | 568 |
| Loan and lease loss provision to assets | 3.9964% | 10 |
| Net operating income to assets | -2.3525% | 6,870 |
| Return on assets (ROA) | -2.3525% | 6,872 |
| Pretax return on assets | -3.9812% | 6,915 |
| Return on Equity (ROE) | -37.4442% | 6,881 |
| Retained earnings to average equity (ytd only) | -37.4442% | 6,872 |
| Net charge-offs to loans | 3.5458% | 73 |
| Credit loss provision to net charge-offs | 144.6494% | 1,579 |
| Earnings coverage of net charge-offs (x) | 0.0055% | 4,553 |
| Efficiency ratio | 99.6548% | 497 |
| Assets per employee ($millions) | 3.5170% | 4,815 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9275% | 117 |
| Loan loss allowance to noncurrent loans | 112.2591% | 3,169 |
| Noncurrent assets plus other real estate owned to assets | 7.4618% | 301 |
| Noncurrent loans to loans | 4.3894% | 811 |
| Net loans and leases to total assets | 71.5284% | 1,645 |
| Net loans and leases to deposits | 80.7484% | 2,217 |
| Net loans and leases to core deposits | 96.5353% | 1,305 |
| Total domestic deposits to total assets | 88.5818% | 1,866 |
| Equity capital to assets | 5.8248% | 6,753 |
| Core capital (leverage) ratio | 3.3928% | 6,891 |
| Tier 1 risk-based capital ratio | 4.6509% | 6,902 |
| Total risk-based capital ratio | 5.9491% | 6,903 |
| Memoranda: | ||
| Average total assets | $78,469,670 | 5,362 |
| Average earning assets | $67,070,000 | 5,473 |
| Average equity | $4,930,000 | 6,202 |
| Average total loans | $61,142,000 | 4,639 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3472% | 461 |
| Cost of funding earning assets | 0.9181% | 901 |
| Net interest margin | 4.4290% | 766 |
| Noninterest income to average assets | 0.3367% | 5,002 |
| Noninterest expense to average assets | 4.0457% | 840 |
| Loan and lease loss provision to assets | 1.6143% | 87 |
| Net operating income to assets | -0.8765% | 6,779 |
| Return on assets (ROA) | -0.8765% | 6,791 |
| Pretax return on assets | -1.5252% | 6,881 |
| Return on Equity (ROE) | -13.5011% | 6,850 |
| Retained earnings to average equity (ytd only) | -13.5011% | 6,708 |
| Net charge-offs to loans | 2.4214% | 175 |
| Credit loss provision to net charge-offs | 84.2377% | 2,107 |
| Earnings coverage of net charge-offs (x) | 0.0465% | 3,809 |
| Efficiency ratio | 97.8443% | 640 |
| Assets per employee ($millions) | 3.7050% | 4,545 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6103% | 386 |
| Loan loss allowance to noncurrent loans | 62.4715% | 4,611 |
| Noncurrent assets plus other real estate owned to assets | 9.4003% | 222 |
| Noncurrent loans to loans | 5.7791% | 593 |
| Net loans and leases to total assets | 75.2860% | 926 |
| Net loans and leases to deposits | 85.4889% | 1,420 |
| Net loans and leases to core deposits | 101.5322% | 857 |
| Total domestic deposits to total assets | 88.0652% | 2,271 |
| Equity capital to assets | 6.6139% | 6,778 |
| Core capital (leverage) ratio | 4.8190% | 6,890 |
| Tier 1 risk-based capital ratio | 6.4148% | 6,918 |
| Total risk-based capital ratio | 7.6954% | 6,920 |
| Memoranda: | ||
| Average total assets | $80,776,500 | 5,340 |
| Average earning assets | $69,270,500 | 5,454 |
| Average equity | $5,244,000 | 6,174 |
| Average total loans | $63,930,000 | 4,567 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4365% | 705 |
| Cost of funding earning assets | 1.2787% | 406 |
| Net interest margin | 4.1577% | 1,786 |
| Noninterest income to average assets | -0.3310% | 7,001 |
| Noninterest expense to average assets | 3.6086% | 1,590 |
| Loan and lease loss provision to assets | 1.9449% | 118 |
| Net operating income to assets | -1.3792% | 6,834 |
| Return on assets (ROA) | -1.3792% | 6,844 |
| Pretax return on assets | -2.2349% | 6,955 |
| Return on Equity (ROE) | -19.6499% | 6,878 |
| Retained earnings to average equity (ytd only) | -19.6499% | 6,844 |
| Net charge-offs to loans | 2.6791% | 220 |
| Credit loss provision to net charge-offs | 93.1108% | 3,341 |
| Earnings coverage of net charge-offs (x) | -0.1388% | 5,551 |
| Efficiency ratio | 108.7392% | 353 |
| Assets per employee ($millions) | 3.9880% | 3,975 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3612% | 485 |
| Loan loss allowance to noncurrent loans | 62.0870% | 4,581 |
| Noncurrent assets plus other real estate owned to assets | 8.3955% | 318 |
| Noncurrent loans to loans | 5.4137% | 690 |
| Net loans and leases to total assets | 77.4165% | 739 |
| Net loans and leases to deposits | 87.3609% | 1,346 |
| Net loans and leases to core deposits | 105.6049% | 707 |
| Total domestic deposits to total assets | 88.6169% | 1,829 |
| Equity capital to assets | 6.3787% | 6,856 |
| Core capital (leverage) ratio | 4.7033% | 6,952 |
| Tier 1 risk-based capital ratio | 6.2642% | 6,979 |
| Total risk-based capital ratio | 7.5540% | 6,982 |
| Memoranda: | ||
| Average total assets | $90,340,600 | 5,075 |
| Average earning assets | $79,297,800 | 5,147 |
| Average equity | $6,341,000 | 5,932 |
| Average total loans | $70,432,800 | 4,346 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3919% | 850 |
| Cost of funding earning assets | 1.3492% | 352 |
| Net interest margin | 4.0427% | 2,324 |
| Noninterest income to average assets | 0.4711% | 4,129 |
| Noninterest expense to average assets | 3.5380% | 1,676 |
| Loan and lease loss provision to assets | 0.9421% | 454 |
| Net operating income to assets | -0.4479% | 6,674 |
| Return on assets (ROA) | -0.4479% | 6,715 |
| Pretax return on assets | -0.4479% | 6,684 |
| Return on Equity (ROE) | -6.2510% | 6,765 |
| Retained earnings to average equity (ytd only) | -6.2510% | 6,684 |
| Net charge-offs to loans | 2.1196% | 323 |
| Credit loss provision to net charge-offs | 57.3698% | 4,223 |
| Earnings coverage of net charge-offs (x) | 0.3010% | 5,174 |
| Efficiency ratio | 87.7426% | 1,221 |
| Assets per employee ($millions) | 4.0713% | 3,734 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7287% | 955 |
| Loan loss allowance to noncurrent loans | 59.1291% | 4,691 |
| Noncurrent assets plus other real estate owned to assets | 7.9850% | 389 |
| Noncurrent loans to loans | 4.6147% | 1,013 |
| Net loans and leases to total assets | 79.2615% | 570 |
| Net loans and leases to deposits | 90.9783% | 1,052 |
| Net loans and leases to core deposits | 109.8331% | 578 |
| Total domestic deposits to total assets | 87.1213% | 2,597 |
| Equity capital to assets | 7.3382% | 6,808 |
| Core capital (leverage) ratio | 6.4931% | 6,887 |
| Tier 1 risk-based capital ratio | 9.1401% | 6,930 |
| Total risk-based capital ratio | 10.4141% | 6,931 |
| Memoranda: | ||
| Average total assets | $91,989,000 | 5,077 |
| Average earning assets | $81,033,000 | 5,144 |
| Average equity | $6,590,750 | 5,936 |
| Average total loans | $71,268,750 | 4,352 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5048% | 717 |
| Cost of funding earning assets | 1.4081% | 338 |
| Net interest margin | 4.0967% | 2,107 |
| Noninterest income to average assets | 0.5268% | 3,740 |
| Noninterest expense to average assets | 3.4391% | 1,938 |
| Loan and lease loss provision to assets | 0.2124% | 2,953 |
| Net operating income to assets | 0.4907% | 4,861 |
| Return on assets (ROA) | 0.4907% | 5,113 |
| Pretax return on assets | 0.4907% | 5,467 |
| Return on Equity (ROE) | 6.8993% | 3,835 |
| Retained earnings to average equity (ytd only) | 6.8993% | 2,161 |
| Net charge-offs to loans | 1.3314% | 792 |
| Credit loss provision to net charge-offs | 20.9205% | 4,588 |
| Earnings coverage of net charge-offs (x) | 0.6925% | 4,713 |
| Efficiency ratio | 83.0256% | 1,740 |
| Assets per employee ($millions) | 4.4638% | 2,975 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7898% | 956 |
| Loan loss allowance to noncurrent loans | 61.8299% | 4,562 |
| Noncurrent assets plus other real estate owned to assets | 7.1806% | 536 |
| Noncurrent loans to loans | 4.5120% | 1,175 |
| Net loans and leases to total assets | 74.6050% | 1,157 |
| Net loans and leases to deposits | 84.8909% | 1,732 |
| Net loans and leases to core deposits | 102.1949% | 972 |
| Total domestic deposits to total assets | 87.8834% | 2,221 |
| Equity capital to assets | 7.2553% | 6,856 |
| Core capital (leverage) ratio | 6.9051% | 6,842 |
| Tier 1 risk-based capital ratio | 9.4387% | 6,934 |
| Total risk-based capital ratio | 10.7128% | 6,922 |
| Memoranda: | ||
| Average total assets | $94,152,670 | 5,065 |
| Average earning assets | $83,090,670 | 5,123 |
| Average equity | $6,696,330 | 5,932 |
| Average total loans | $71,802,330 | 4,360 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4520% | 831 |
| Cost of funding earning assets | 1.4335% | 373 |
| Net interest margin | 4.0185% | 2,428 |
| Noninterest income to average assets | 0.5002% | 3,911 |
| Noninterest expense to average assets | 2.8741% | 3,726 |
| Loan and lease loss provision to assets | 0.4239% | 1,479 |
| Net operating income to assets | 0.7673% | 3,533 |
| Return on assets (ROA) | 0.7673% | 3,769 |
| Pretax return on assets | 0.7673% | 4,542 |
| Return on Equity (ROE) | 10.8970% | 2,060 |
| Retained earnings to average equity (ytd only) | 10.8970% | 1,056 |
| Net charge-offs to loans | 0.6580% | 1,485 |
| Credit loss provision to net charge-offs | 84.7458% | 2,645 |
| Earnings coverage of net charge-offs (x) | 2.3814% | 3,222 |
| Efficiency ratio | 70.6986% | 3,677 |
| Assets per employee ($millions) | 4.5074% | 2,979 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3159% | 613 |
| Loan loss allowance to noncurrent loans | 64.0498% | 4,311 |
| Noncurrent assets plus other real estate owned to assets | 7.1724% | 583 |
| Noncurrent loans to loans | 5.1771% | 1,062 |
| Net loans and leases to total assets | 72.8826% | 1,247 |
| Net loans and leases to deposits | 82.7490% | 1,825 |
| Net loans and leases to core deposits | 99.6447% | 1,010 |
| Total domestic deposits to total assets | 88.0767% | 2,262 |
| Equity capital to assets | 7.0878% | 6,911 |
| Core capital (leverage) ratio | 6.7547% | 6,921 |
| Tier 1 risk-based capital ratio | 9.4391% | 6,973 |
| Total risk-based capital ratio | 10.7218% | 6,963 |
| Memoranda: | ||
| Average total assets | $94,359,500 | 5,090 |
| Average earning assets | $83,712,000 | 5,152 |
| Average equity | $6,644,000 | 5,985 |
| Average total loans | $71,733,000 | 4,391 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6890% | 797 |
| Cost of funding earning assets | 1.6512% | 394 |
| Net interest margin | 4.0379% | 2,689 |
| Noninterest income to average assets | 0.5433% | 3,558 |
| Noninterest expense to average assets | 6.7161% | 153 |
| Loan and lease loss provision to assets | 2.0160% | 293 |
| Net operating income to assets | -4.3488% | 7,272 |
| Return on assets (ROA) | -4.3225% | 7,275 |
| Pretax return on assets | -4.6592% | 7,300 |
| Return on Equity (ROE) | -40.9870% | 7,167 |
| Retained earnings to average equity (ytd only) | -41.3351% | 7,166 |
| Net charge-offs to loans | 1.5523% | 1,022 |
| Credit loss provision to net charge-offs | 167.2759% | 1,615 |
| Earnings coverage of net charge-offs (x) | -2.2167% | 6,289 |
| Efficiency ratio | 73.7033% | 3,278 |
| Assets per employee ($millions) | 4.2756% | 3,311 |
| Cash dividends to net income (ytd only)* | -0.8493% | 7,233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3059% | 618 |
| Loan loss allowance to noncurrent loans | 49.8328% | 5,035 |
| Noncurrent assets plus other real estate owned to assets | 7.3025% | 616 |
| Noncurrent loans to loans | 6.6340% | 696 |
| Net loans and leases to total assets | 74.1293% | 1,253 |
| Net loans and leases to deposits | 83.8875% | 1,940 |
| Net loans and leases to core deposits | 100.6655% | 1,118 |
| Total domestic deposits to total assets | 88.3675% | 1,928 |
| Equity capital to assets | 6.9942% | 6,965 |
| Core capital (leverage) ratio | 6.6706% | 6,946 |
| Tier 1 risk-based capital ratio | 9.2510% | 6,996 |
| Total risk-based capital ratio | 10.5321% | 6,990 |
| Memoranda: | ||
| Average total assets | $95,338,600 | 5,029 |
| Average earning assets | $82,667,600 | 5,154 |
| Average equity | $10,054,400 | 4,998 |
| Average total loans | $74,018,200 | 4,349 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7631% | 756 |
| Cost of funding earning assets | 1.6983% | 398 |
| Net interest margin | 4.0648% | 2,623 |
| Noninterest income to average assets | 0.5366% | 3,605 |
| Noninterest expense to average assets | 2.9647% | 3,690 |
| Loan and lease loss provision to assets | 0.7945% | 1,175 |
| Net operating income to assets | 0.5450% | 4,343 |
| Return on assets (ROA) | 0.5450% | 4,526 |
| Pretax return on assets | 0.2871% | 5,731 |
| Return on Equity (ROE) | 4.7726% | 4,624 |
| Retained earnings to average equity (ytd only) | 4.3453% | 3,635 |
| Net charge-offs to loans | 1.7182% | 804 |
| Credit loss provision to net charge-offs | 59.3750% | 4,824 |
| Earnings coverage of net charge-offs (x) | 0.8083% | 5,009 |
| Efficiency ratio | 73.2690% | 3,321 |
| Assets per employee ($millions) | 4.3325% | 3,208 |
| Cash dividends to net income (ytd only)* | 8.9523% | 3,301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6587% | 3,421 |
| Loan loss allowance to noncurrent loans | 30.3279% | 6,233 |
| Noncurrent assets plus other real estate owned to assets | 6.4188% | 812 |
| Noncurrent loans to loans | 5.4693% | 1,087 |
| Net loans and leases to total assets | 75.9490% | 985 |
| Net loans and leases to deposits | 90.6654% | 1,140 |
| Net loans and leases to core deposits | 109.0786% | 721 |
| Total domestic deposits to total assets | 83.7684% | 4,338 |
| Equity capital to assets | 11.6258% | 2,560 |
| Core capital (leverage) ratio | 8.0411% | 6,356 |
| Tier 1 risk-based capital ratio | 10.3815% | 6,828 |
| Total risk-based capital ratio | 11.6458% | 6,803 |
| Memoranda: | ||
| Average total assets | $95,657,250 | 5,050 |
| Average earning assets | $82,592,250 | 5,199 |
| Average equity | $10,923,250 | 4,822 |
| Average total loans | $74,494,500 | 4,366 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7009% | 871 |
| Cost of funding earning assets | 1.7091% | 453 |
| Net interest margin | 3.9918% | 2,875 |
| Noninterest income to average assets | 0.5325% | 3,614 |
| Noninterest expense to average assets | 2.8380% | 4,277 |
| Loan and lease loss provision to assets | 0.7727% | 1,199 |
| Net operating income to assets | 0.8311% | 2,941 |
| Return on assets (ROA) | 0.8311% | 3,056 |
| Pretax return on assets | 0.3801% | 5,455 |
| Return on Equity (ROE) | 7.3225% | 3,284 |
| Retained earnings to average equity (ytd only) | 6.6785% | 2,033 |
| Net charge-offs to loans | 0.4840% | 2,650 |
| Credit loss provision to net charge-offs | 204.4199% | 1,476 |
| Earnings coverage of net charge-offs (x) | 3.0497% | 3,329 |
| Efficiency ratio | 71.1146% | 3,913 |
| Assets per employee ($millions) | 4.5986% | 2,688 |
| Cash dividends to net income (ytd only)* | 8.7940% | 3,156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4058% | 1,580 |
| Loan loss allowance to noncurrent loans | 36.4299% | 5,861 |
| Noncurrent assets plus other real estate owned to assets | 6.3135% | 862 |
| Noncurrent loans to loans | 6.6039% | 832 |
| Net loans and leases to total assets | 75.6117% | 1,139 |
| Net loans and leases to deposits | 89.9980% | 1,273 |
| Net loans and leases to core deposits | 109.1367% | 751 |
| Total domestic deposits to total assets | 84.0149% | 4,345 |
| Equity capital to assets | 11.4537% | 2,546 |
| Core capital (leverage) ratio | 8.1880% | 6,052 |
| Tier 1 risk-based capital ratio | 10.4688% | 6,799 |
| Total risk-based capital ratio | 11.7425% | 6,789 |
| Memoranda: | ||
| Average total assets | $95,771,670 | 5,080 |
| Average earning assets | $82,969,330 | 5,233 |
| Average equity | $10,870,670 | 4,833 |
| Average total loans | $74,789,000 | 4,396 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6882% | 903 |
| Cost of funding earning assets | 1.7428% | 468 |
| Net interest margin | 3.9455% | 2,935 |
| Noninterest income to average assets | 0.5368% | 3,604 |
| Noninterest expense to average assets | 2.8646% | 4,216 |
| Loan and lease loss provision to assets | 0.5033% | 1,728 |
| Net operating income to assets | 1.3337% | 1,194 |
| Return on assets (ROA) | 1.3337% | 1,241 |
| Pretax return on assets | 0.5872% | 4,735 |
| Return on Equity (ROE) | 11.8046% | 1,514 |
| Retained earnings to average equity (ytd only) | 10.5053% | 992 |
| Net charge-offs to loans | 0.1819% | 3,398 |
| Credit loss provision to net charge-offs | 352.9412% | 929 |
| Earnings coverage of net charge-offs (x) | 7.6471% | 1,921 |
| Efficiency ratio | 72.4284% | 3,784 |
| Assets per employee ($millions) | 4.5225% | 2,850 |
| Cash dividends to net income (ytd only)* | 11.0063% | 2,365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2804% | 1,797 |
| Loan loss allowance to noncurrent loans | 43.0383% | 5,434 |
| Noncurrent assets plus other real estate owned to assets | 4.8857% | 1,297 |
| Noncurrent loans to loans | 5.2986% | 1,248 |
| Net loans and leases to total assets | 76.5689% | 951 |
| Net loans and leases to deposits | 91.1528% | 1,099 |
| Net loans and leases to core deposits | 116.9887% | 499 |
| Total domestic deposits to total assets | 84.0005% | 4,487 |
| Equity capital to assets | 11.5023% | 2,264 |
| Core capital (leverage) ratio | 8.0906% | 6,143 |
| Tier 1 risk-based capital ratio | 10.5837% | 6,758 |
| Total risk-based capital ratio | 11.8463% | 6,730 |
| Memoranda: | ||
| Average total assets | $95,372,000 | 5,122 |
| Average earning assets | $82,626,500 | 5,285 |
| Average equity | $10,775,500 | 4,851 |
| Average total loans | $74,774,000 | 4,432 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2453% | 514 |
| Cost of funding earning assets | 2.0041% | 601 |
| Net interest margin | 4.2412% | 2,027 |
| Noninterest income to average assets | 0.6860% | 2,925 |
| Noninterest expense to average assets | 3.2171% | 3,025 |
| Loan and lease loss provision to assets | 0.9799% | 1,649 |
| Net operating income to assets | 0.1114% | 5,560 |
| Return on assets (ROA) | 0.1114% | 5,705 |
| Pretax return on assets | 0.0991% | 5,699 |
| Return on Equity (ROE) | 0.9359% | 5,720 |
| Retained earnings to average equity (ytd only) | 0.9359% | 5,088 |
| Net charge-offs to loans | 0.0753% | 6,049 |
| Credit loss provision to net charge-offs | 1,660.3774% | 139 |
| Earnings coverage of net charge-offs (x) | 18.2830% | 1,111 |
| Efficiency ratio | 74.8834% | 3,228 |
| Assets per employee ($millions) | 4.3533% | 3,105 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1429% | 1,976 |
| Loan loss allowance to noncurrent loans | 74.2278% | 3,764 |
| Noncurrent assets plus other real estate owned to assets | 3.2014% | 2,210 |
| Noncurrent loans to loans | 2.8869% | 2,634 |
| Net loans and leases to total assets | 76.7677% | 1,133 |
| Net loans and leases to deposits | 91.0207% | 1,397 |
| Net loans and leases to core deposits | 114.2764% | 716 |
| Total domestic deposits to total assets | 84.3409% | 4,205 |
| Equity capital to assets | 11.0961% | 2,602 |
| Core capital (leverage) ratio | 7.8768% | 6,349 |
| Tier 1 risk-based capital ratio | 10.1612% | 6,901 |
| Total risk-based capital ratio | 11.4349% | 6,858 |
| Memoranda: | ||
| Average total assets | $89,802,400 | 5,298 |
| Average earning assets | $76,441,400 | 5,466 |
| Average equity | $10,684,800 | 4,938 |
| Average total loans | $70,422,000 | 4,672 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4031% | 408 |
| Cost of funding earning assets | 2.0620% | 606 |
| Net interest margin | 4.3411% | 1,710 |
| Noninterest income to average assets | 0.6749% | 2,983 |
| Noninterest expense to average assets | 3.2763% | 2,651 |
| Loan and lease loss provision to assets | 0.4605% | 3,172 |
| Net operating income to assets | 0.6341% | 3,729 |
| Return on assets (ROA) | 0.6341% | 3,897 |
| Pretax return on assets | 0.6220% | 4,524 |
| Return on Equity (ROE) | 5.2339% | 4,175 |
| Retained earnings to average equity (ytd only) | 5.2339% | 2,820 |
| Net charge-offs to loans | 0.0404% | 6,142 |
| Credit loss provision to net charge-offs | 1,452.3810% | 211 |
| Earnings coverage of net charge-offs (x) | 34.1421% | 783 |
| Efficiency ratio | 75.1645% | 3,111 |
| Assets per employee ($millions) | 3.8029% | 4,264 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4534% | 4,191 |
| Loan loss allowance to noncurrent loans | 89.1486% | 3,079 |
| Noncurrent assets plus other real estate owned to assets | 2.5069% | 2,865 |
| Noncurrent loans to loans | 1.6303% | 4,204 |
| Net loans and leases to total assets | 79.3424% | 848 |
| Net loans and leases to deposits | 100.9029% | 595 |
| Net loans and leases to core deposits | 125.9260% | 452 |
| Total domestic deposits to total assets | 78.6324% | 6,110 |
| Equity capital to assets | 12.0424% | 2,134 |
| Core capital (leverage) ratio | 8.5712% | 5,389 |
| Tier 1 risk-based capital ratio | 10.6659% | 6,660 |
| Total risk-based capital ratio | 11.9203% | 6,646 |
| Memoranda: | ||
| Average total assets | $88,310,000 | 5,403 |
| Average earning assets | $74,941,250 | 5,575 |
| Average equity | $10,699,250 | 4,996 |
| Average total loans | $69,244,500 | 4,786 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3308% | 482 |
| Cost of funding earning assets | 2.1447% | 564 |
| Net interest margin | 4.1862% | 2,195 |
| Noninterest income to average assets | 0.6527% | 2,998 |
| Noninterest expense to average assets | 3.1652% | 3,032 |
| Loan and lease loss provision to assets | 0.6986% | 2,081 |
| Net operating income to assets | 0.4168% | 4,678 |
| Return on assets (ROA) | 0.4168% | 4,837 |
| Pretax return on assets | 0.3206% | 5,449 |
| Return on Equity (ROE) | 3.4333% | 5,045 |
| Retained earnings to average equity (ytd only) | 3.4333% | 3,924 |
| Net charge-offs to loans | 0.0413% | 5,798 |
| Credit loss provision to net charge-offs | 2,178.5714% | 188 |
| Earnings coverage of net charge-offs (x) | 31.7857% | 886 |
| Efficiency ratio | 75.6431% | 3,131 |
| Assets per employee ($millions) | 3.5075% | 4,911 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5405% | 3,707 |
| Loan loss allowance to noncurrent loans | 71.0509% | 3,799 |
| Noncurrent assets plus other real estate owned to assets | 2.3641% | 3,050 |
| Noncurrent loans to loans | 2.1682% | 3,509 |
| Net loans and leases to total assets | 78.3528% | 1,052 |
| Net loans and leases to deposits | 93.6113% | 1,324 |
| Net loans and leases to core deposits | 115.0296% | 882 |
| Total domestic deposits to total assets | 83.7002% | 4,244 |
| Equity capital to assets | 12.3141% | 1,920 |
| Core capital (leverage) ratio | 8.5603% | 5,312 |
| Tier 1 risk-based capital ratio | 10.7385% | 6,489 |
| Total risk-based capital ratio | 12.0014% | 6,466 |
| Memoranda: | ||
| Average total assets | $87,323,670 | 5,472 |
| Average earning assets | $73,671,000 | 5,653 |
| Average equity | $10,602,000 | 5,031 |
| Average total loans | $67,831,670 | 4,869 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2211% | 611 |
| Cost of funding earning assets | 2.1853% | 616 |
| Net interest margin | 4.0357% | 2,714 |
| Noninterest income to average assets | 0.6243% | 3,126 |
| Noninterest expense to average assets | 3.0892% | 3,313 |
| Loan and lease loss provision to assets | 0.1836% | 4,674 |
| Net operating income to assets | 0.9823% | 2,250 |
| Return on assets (ROA) | 0.9823% | 2,310 |
| Pretax return on assets | 0.7253% | 4,147 |
| Return on Equity (ROE) | 8.1493% | 2,808 |
| Retained earnings to average equity (ytd only) | 8.1493% | 1,645 |
| Net charge-offs to loans | 0.0299% | 5,151 |
| Credit loss provision to net charge-offs | 800.0000% | 566 |
| Earnings coverage of net charge-offs (x) | 39.6000% | 696 |
| Efficiency ratio | 77.2675% | 3,025 |
| Assets per employee ($millions) | 3.5436% | 4,940 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2170% | 5,416 |
| Loan loss allowance to noncurrent loans | 55.3005% | 4,645 |
| Noncurrent assets plus other real estate owned to assets | 2.5770% | 2,831 |
| Noncurrent loans to loans | 2.2007% | 3,525 |
| Net loans and leases to total assets | 75.0381% | 1,733 |
| Net loans and leases to deposits | 92.1589% | 1,592 |
| Net loans and leases to core deposits | 113.7312% | 1,050 |
| Total domestic deposits to total assets | 81.4225% | 5,305 |
| Equity capital to assets | 11.9956% | 2,048 |
| Core capital (leverage) ratio | 8.7716% | 4,898 |
| Tier 1 risk-based capital ratio | 10.8488% | 6,296 |
| Total risk-based capital ratio | 12.0858% | 6,288 |
| Memoranda: | ||
| Average total assets | $87,141,500 | 5,543 |
| Average earning assets | $72,849,000 | 5,750 |
| Average equity | $10,504,000 | 5,097 |
| Average total loans | $66,857,000 | 4,972 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5012% | 671 |
| Cost of funding earning assets | 2.8140% | 428 |
| Net interest margin | 3.6873% | 4,194 |
| Noninterest income to average assets | 0.7804% | 2,510 |
| Noninterest expense to average assets | 3.4673% | 2,462 |
| Loan and lease loss provision to assets | 0.6483% | 3,207 |
| Net operating income to assets | -0.1972% | 5,839 |
| Return on assets (ROA) | -0.0420% | 5,596 |
| Pretax return on assets | 0.0348% | 5,362 |
| Return on Equity (ROE) | -0.3393% | 5,592 |
| Retained earnings to average equity (ytd only) | -0.3393% | 5,037 |
| Net charge-offs to loans | 0.8194% | 2,777 |
| Credit loss provision to net charge-offs | 104.0462% | 5,313 |
| Earnings coverage of net charge-offs (x) | 0.7071% | 5,392 |
| Efficiency ratio | 88.7250% | 1,820 |
| Assets per employee ($millions) | 3.4277% | 5,186 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1804% | 5,472 |
| Loan loss allowance to noncurrent loans | 110.1124% | 2,563 |
| Noncurrent assets plus other real estate owned to assets | 1.7855% | 3,694 |
| Noncurrent loans to loans | 1.0720% | 5,175 |
| Net loans and leases to total assets | 76.5929% | 1,675 |
| Net loans and leases to deposits | 93.8312% | 1,612 |
| Net loans and leases to core deposits | 164.0440% | 297 |
| Total domestic deposits to total assets | 81.6284% | 5,097 |
| Equity capital to assets | 12.1143% | 1,969 |
| Core capital (leverage) ratio | 8.6873% | 4,939 |
| Tier 1 risk-based capital ratio | 10.7649% | 6,141 |
| Total risk-based capital ratio | 11.9761% | 6,158 |
| Memoranda: | ||
| Average total assets | $83,293,000 | 5,617 |
| Average earning assets | $70,648,000 | 5,792 |
| Average equity | $10,315,400 | 5,212 |
| Average total loans | $63,336,800 | 5,121 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4889% | 764 |
| Cost of funding earning assets | 2.9025% | 452 |
| Net interest margin | 3.5864% | 4,531 |
| Noninterest income to average assets | 0.8013% | 2,427 |
| Noninterest expense to average assets | 3.5971% | 2,031 |
| Loan and lease loss provision to assets | 0.8707% | 2,206 |
| Net operating income to assets | -0.6337% | 6,553 |
| Return on assets (ROA) | -0.6337% | 6,562 |
| Pretax return on assets | -0.6224% | 6,415 |
| Return on Equity (ROE) | -5.0878% | 6,461 |
| Retained earnings to average equity (ytd only) | -5.0878% | 6,269 |
| Net charge-offs to loans | 1.0953% | 1,822 |
| Credit loss provision to net charge-offs | 105.0584% | 4,831 |
| Earnings coverage of net charge-offs (x) | 0.2996% | 5,720 |
| Efficiency ratio | 93.5430% | 1,429 |
| Assets per employee ($millions) | 3.3372% | 5,287 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2233% | 4,986 |
| Loan loss allowance to noncurrent loans | 43.5430% | 5,409 |
| Noncurrent assets plus other real estate owned to assets | 3.1523% | 2,165 |
| Noncurrent loans to loans | 2.8094% | 2,702 |
| Net loans and leases to total assets | 76.3610% | 1,923 |
| Net loans and leases to deposits | 91.0049% | 2,392 |
| Net loans and leases to core deposits | 162.5868% | 345 |
| Total domestic deposits to total assets | 83.9087% | 3,762 |
| Equity capital to assets | 12.3744% | 2,017 |
| Core capital (leverage) ratio | 8.3259% | 5,794 |
| Tier 1 risk-based capital ratio | 10.7105% | 6,237 |
| Total risk-based capital ratio | 11.9614% | 6,210 |
| Memoranda: | ||
| Average total assets | $82,693,250 | 5,670 |
| Average earning assets | $70,189,750 | 5,837 |
| Average equity | $10,299,000 | 5,256 |
| Average total loans | $62,566,500 | 5,186 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5163% | 791 |
| Cost of funding earning assets | 2.9524% | 538 |
| Net interest margin | 3.5640% | 4,521 |
| Noninterest income to average assets | 0.7835% | 2,492 |
| Noninterest expense to average assets | 3.6241% | 2,016 |
| Loan and lease loss provision to assets | 0.0606% | 6,614 |
| Net operating income to assets | 0.2644% | 5,031 |
| Return on assets (ROA) | 0.2644% | 5,129 |
| Pretax return on assets | 0.1237% | 5,619 |
| Return on Equity (ROE) | 2.1184% | 5,255 |
| Retained earnings to average equity (ytd only) | 2.1184% | 4,167 |
| Net charge-offs to loans | 0.3650% | 3,358 |
| Credit loss provision to net charge-offs | 22.1239% | 6,108 |
| Earnings coverage of net charge-offs (x) | 0.6726% | 5,034 |
| Efficiency ratio | 95.1592% | 1,429 |
| Assets per employee ($millions) | 2.9813% | 6,186 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0773% | 5,749 |
| Loan loss allowance to noncurrent loans | 61.2523% | 4,388 |
| Noncurrent assets plus other real estate owned to assets | 2.2797% | 2,856 |
| Noncurrent loans to loans | 1.7589% | 3,866 |
| Net loans and leases to total assets | 74.2468% | 2,637 |
| Net loans and leases to deposits | 88.6605% | 3,063 |
| Net loans and leases to core deposits | 160.9050% | 437 |
| Total domestic deposits to total assets | 83.7428% | 3,898 |
| Equity capital to assets | 12.8862% | 1,743 |
| Core capital (leverage) ratio | 9.0540% | 4,547 |
| Tier 1 risk-based capital ratio | 11.3830% | 5,514 |
| Total risk-based capital ratio | 12.4632% | 5,590 |
| Memoranda: | ||
| Average total assets | $82,447,670 | 5,713 |
| Average earning assets | $69,978,000 | 5,886 |
| Average equity | $10,290,670 | 5,283 |
| Average total loans | $61,923,000 | 5,256 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6244% | 682 |
| Cost of funding earning assets | 3.0064% | 592 |
| Net interest margin | 3.6181% | 4,248 |
| Noninterest income to average assets | 0.6932% | 2,930 |
| Noninterest expense to average assets | 3.6420% | 1,772 |
| Loan and lease loss provision to assets | 0.0732% | 6,040 |
| Net operating income to assets | 0.1562% | 5,800 |
| Return on assets (ROA) | 0.1562% | 5,970 |
| Pretax return on assets | 0.0391% | 6,301 |
| Return on Equity (ROE) | 1.2727% | 6,045 |
| Retained earnings to average equity (ytd only) | 1.2727% | 5,125 |
| Net charge-offs to loans | 0.5653% | 2,054 |
| Credit loss provision to net charge-offs | 17.2414% | 5,104 |
| Earnings coverage of net charge-offs (x) | 0.2644% | 4,760 |
| Efficiency ratio | 97.0091% | 1,266 |
| Assets per employee ($millions) | 2.9271% | 6,351 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1055% | 5,428 |
| Loan loss allowance to noncurrent loans | 132.8846% | 2,390 |
| Noncurrent assets plus other real estate owned to assets | 1.8363% | 3,163 |
| Noncurrent loans to loans | 0.8319% | 5,360 |
| Net loans and leases to total assets | 75.4209% | 2,406 |
| Net loans and leases to deposits | 93.6293% | 2,339 |
| Net loans and leases to core deposits | 179.4392% | 242 |
| Total domestic deposits to total assets | 80.5527% | 5,152 |
| Equity capital to assets | 13.1430% | 1,684 |
| Core capital (leverage) ratio | 9.0839% | 4,580 |
| Tier 1 risk-based capital ratio | 11.6089% | 5,292 |
| Total risk-based capital ratio | 12.7492% | 5,310 |
| Memoranda: | ||
| Average total assets | $81,933,000 | 5,756 |
| Average earning assets | $69,319,000 | 5,935 |
| Average equity | $10,057,500 | 5,366 |
| Average total loans | $61,557,500 | 5,303 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0107% | 1,111 |
| Cost of funding earning assets | 3.5085% | 502 |
| Net interest margin | 3.5022% | 5,287 |
| Noninterest income to average assets | 0.8181% | 2,412 |
| Noninterest expense to average assets | 3.4994% | 2,402 |
| Loan and lease loss provision to assets | 0.3873% | 3,369 |
| Net operating income to assets | 0.5232% | 4,637 |
| Return on assets (ROA) | 0.5871% | 4,227 |
| Pretax return on assets | 0.0313% | 6,095 |
| Return on Equity (ROE) | 4.8939% | 4,432 |
| Retained earnings to average equity (ytd only) | 4.8939% | 2,089 |
| Net charge-offs to loans | 0.1317% | 4,908 |
| Credit loss provision to net charge-offs | 390.4110% | 1,134 |
| Earnings coverage of net charge-offs (x) | 3.5753% | 4,305 |
| Efficiency ratio | 90.7969% | 1,454 |
| Assets per employee ($millions) | 2.6421% | 6,910 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2589% | 4,057 |
| Loan loss allowance to noncurrent loans | 56.8131% | 5,136 |
| Noncurrent assets plus other real estate owned to assets | 1.6397% | 2,968 |
| Noncurrent loans to loans | 2.2158% | 2,486 |
| Net loans and leases to total assets | 73.0667% | 3,343 |
| Net loans and leases to deposits | 86.1069% | 4,106 |
| Net loans and leases to core deposits | 171.4441% | 380 |
| Total domestic deposits to total assets | 84.8558% | 2,914 |
| Equity capital to assets | 11.4070% | 2,695 |
| Core capital (leverage) ratio | 7.5548% | 7,139 |
| Tier 1 risk-based capital ratio | 9.7281% | 7,050 |
| Total risk-based capital ratio | 10.9795% | 6,954 |
| Memoranda: | ||
| Average total assets | $73,584,000 | 5,920 |
| Average earning assets | $63,788,400 | 6,025 |
| Average equity | $8,827,400 | 5,794 |
| Average total loans | $55,436,600 | 5,476 |