Home > First National Bank of New York > Performance and Condition Ratios
First National Bank of New York, 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 | 3.6685% | 5,224 |
| Cost of funding earning assets | 1.2133% | 163 |
| Net interest margin | 2.4552% | 6,405 |
| Noninterest income to average assets | 0.2652% | 5,447 |
| Noninterest expense to average assets | 5.1119% | 321 |
| Loan and lease loss provision to assets | 1.0504% | 167 |
| Net operating income to assets | -4.9877% | 6,799 |
| Return on assets (ROA) | -4.8351% | 6,797 |
| Pretax return on assets | -3.5086% | 6,774 |
| Return on Equity (ROE) | -50.7874% | 6,775 |
| Retained earnings to average equity (ytd only) | -50.7874% | 6,772 |
| Net charge-offs to loans | 2.8011% | 93 |
| Credit loss provision to net charge-offs | 82.7891% | 2,961 |
| Earnings coverage of net charge-offs (x) | -2.0577% | 5,326 |
| Efficiency ratio | 204.3808% | 29 |
| Assets per employee ($millions) | 4.1260% | 3,588 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1137% | 1,310 |
| Loan loss allowance to noncurrent loans | 28.8523% | 5,975 |
| Noncurrent assets plus other real estate owned to assets | 3.3901% | 885 |
| Noncurrent loans to loans | 7.3258% | 222 |
| Net loans and leases to total assets | 45.2985% | 5,552 |
| Net loans and leases to deposits | 57.7485% | 5,149 |
| Net loans and leases to core deposits | 61.4445% | 5,112 |
| Total domestic deposits to total assets | 78.4410% | 5,752 |
| Equity capital to assets | 6.7798% | 6,515 |
| Core capital (leverage) ratio | 8.2341% | 5,944 |
| Tier 1 risk-based capital ratio | 14.3340% | 4,062 |
| Total risk-based capital ratio | 15.5886% | 4,002 |
| Memoranda: | ||
| Average total assets | $258,277,800 | 2,449 |
| Average earning assets | $235,217,600 | 2,468 |
| Average equity | $24,588,800 | 2,672 |
| Average total loans | $116,988,000 | 3,106 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7014% | 5,166 |
| Cost of funding earning assets | 1.2167% | 185 |
| Net interest margin | 2.4847% | 6,439 |
| Noninterest income to average assets | 0.2887% | 5,386 |
| Noninterest expense to average assets | 5.1515% | 309 |
| Loan and lease loss provision to assets | 0.3642% | 872 |
| Net operating income to assets | -2.9751% | 6,848 |
| Return on assets (ROA) | -2.7769% | 6,839 |
| Pretax return on assets | -2.7628% | 6,835 |
| Return on Equity (ROE) | -27.4468% | 6,802 |
| Retained earnings to average equity (ytd only) | -27.4468% | 6,793 |
| Net charge-offs to loans | 0.6170% | 1,004 |
| Credit loss provision to net charge-offs | 130.9222% | 1,804 |
| Earnings coverage of net charge-offs (x) | -9.3364% | 5,163 |
| Efficiency ratio | 201.6539% | 30 |
| Assets per employee ($millions) | 4.1858% | 3,456 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7799% | 686 |
| Loan loss allowance to noncurrent loans | 46.1266% | 5,398 |
| Noncurrent assets plus other real estate owned to assets | 2.5429% | 1,501 |
| Noncurrent loans to loans | 6.0267% | 426 |
| Net loans and leases to total assets | 41.0216% | 5,964 |
| Net loans and leases to deposits | 53.6071% | 5,571 |
| Net loans and leases to core deposits | 57.6239% | 5,478 |
| Total domestic deposits to total assets | 76.5227% | 6,108 |
| Equity capital to assets | 8.6517% | 5,568 |
| Core capital (leverage) ratio | 9.0353% | 5,071 |
| Tier 1 risk-based capital ratio | 16.2316% | 3,070 |
| Total risk-based capital ratio | 17.4916% | 3,029 |
| Memoranda: | ||
| Average total assets | $265,083,750 | 2,408 |
| Average earning assets | $241,742,000 | 2,429 |
| Average equity | $26,819,750 | 2,500 |
| Average total loans | $119,504,000 | 3,068 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8656% | 4,602 |
| Cost of funding earning assets | 1.2281% | 191 |
| Net interest margin | 2.6374% | 6,290 |
| Noninterest income to average assets | 0.2281% | 5,815 |
| Noninterest expense to average assets | 5.2636% | 295 |
| Loan and lease loss provision to assets | 0.3548% | 934 |
| Net operating income to assets | -2.9940% | 6,898 |
| Return on assets (ROA) | -2.9918% | 6,899 |
| Pretax return on assets | -2.9791% | 6,892 |
| Return on Equity (ROE) | -28.2716% | 6,859 |
| Retained earnings to average equity (ytd only) | -28.2716% | 6,844 |
| Net charge-offs to loans | 0.7778% | 814 |
| Credit loss provision to net charge-offs | 99.1667% | 2,264 |
| Earnings coverage of net charge-offs (x) | -7.3417% | 4,847 |
| Efficiency ratio | 199.6043% | 32 |
| Assets per employee ($millions) | 4.1820% | 3,401 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7228% | 774 |
| Loan loss allowance to noncurrent loans | 37.1346% | 5,745 |
| Noncurrent assets plus other real estate owned to assets | 2.7936% | 1,484 |
| Noncurrent loans to loans | 7.3324% | 308 |
| Net loans and leases to total assets | 37.0626% | 6,233 |
| Net loans and leases to deposits | 48.2979% | 5,969 |
| Net loans and leases to core deposits | 52.9723% | 5,820 |
| Total domestic deposits to total assets | 76.7375% | 6,165 |
| Equity capital to assets | 9.3451% | 4,790 |
| Core capital (leverage) ratio | 9.0972% | 4,832 |
| Tier 1 risk-based capital ratio | 17.0847% | 2,685 |
| Total risk-based capital ratio | 18.3431% | 2,652 |
| Memoranda: | ||
| Average total assets | $268,333,000 | 2,391 |
| Average earning assets | $245,088,000 | 2,400 |
| Average equity | $28,396,000 | 2,396 |
| Average total loans | $123,426,000 | 2,997 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8558% | 4,631 |
| Cost of funding earning assets | 1.2065% | 223 |
| Net interest margin | 2.6494% | 6,296 |
| Noninterest income to average assets | 0.1155% | 6,517 |
| Noninterest expense to average assets | 5.1826% | 327 |
| Loan and lease loss provision to assets | 0.1741% | 2,124 |
| Net operating income to assets | -2.8314% | 6,957 |
| Return on assets (ROA) | -2.8314% | 6,959 |
| Pretax return on assets | -2.8194% | 6,956 |
| Return on Equity (ROE) | -25.2505% | 6,919 |
| Retained earnings to average equity (ytd only) | -25.2505% | 6,876 |
| Net charge-offs to loans | 0.6449% | 947 |
| Credit loss provision to net charge-offs | 53.9535% | 2,547 |
| Earnings coverage of net charge-offs (x) | -8.2000% | 4,096 |
| Efficiency ratio | 204.2578% | 35 |
| Assets per employee ($millions) | 4.3633% | 3,216 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1580% | 1,668 |
| Loan loss allowance to noncurrent loans | 84.7589% | 3,798 |
| Noncurrent assets plus other real estate owned to assets | 1.1513% | 3,640 |
| Noncurrent loans to loans | 2.5461% | 2,026 |
| Net loans and leases to total assets | 44.2428% | 5,632 |
| Net loans and leases to deposits | 57.9224% | 5,043 |
| Net loans and leases to core deposits | 63.7960% | 4,764 |
| Total domestic deposits to total assets | 76.3828% | 6,320 |
| Equity capital to assets | 10.3277% | 3,759 |
| Core capital (leverage) ratio | 9.7863% | 3,678 |
| Tier 1 risk-based capital ratio | 15.1996% | 3,709 |
| Total risk-based capital ratio | 16.4544% | 3,654 |
| Memoranda: | ||
| Average total assets | $266,583,500 | 2,426 |
| Average earning assets | $243,682,000 | 2,439 |
| Average equity | $29,892,500 | 2,301 |
| Average total loans | $133,355,000 | 2,831 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2618% | 4,354 |
| Cost of funding earning assets | 1.2489% | 463 |
| Net interest margin | 3.0129% | 6,025 |
| Noninterest income to average assets | 0.2482% | 5,684 |
| Noninterest expense to average assets | 4.4526% | 599 |
| Loan and lease loss provision to assets | 1.6590% | 167 |
| Net operating income to assets | -2.4089% | 6,967 |
| Return on assets (ROA) | -2.1719% | 6,955 |
| Pretax return on assets | -2.7675% | 6,999 |
| Return on Equity (ROE) | -18.6326% | 6,864 |
| Retained earnings to average equity (ytd only) | -18.6326% | 6,826 |
| Net charge-offs to loans | 3.3531% | 122 |
| Credit loss provision to net charge-offs | 84.2209% | 3,689 |
| Earnings coverage of net charge-offs (x) | -0.7169% | 5,714 |
| Efficiency ratio | 146.4513% | 99 |
| Assets per employee ($millions) | 4.3037% | 3,351 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0109% | 1,989 |
| Loan loss allowance to noncurrent loans | 48.8075% | 5,190 |
| Noncurrent assets plus other real estate owned to assets | 2.2787% | 2,155 |
| Noncurrent loans to loans | 4.1200% | 1,121 |
| Net loans and leases to total assets | 54.1961% | 4,595 |
| Net loans and leases to deposits | 73.8656% | 3,105 |
| Net loans and leases to core deposits | 81.1249% | 2,868 |
| Total domestic deposits to total assets | 73.3712% | 6,588 |
| Equity capital to assets | 12.1871% | 1,920 |
| Core capital (leverage) ratio | 10.6466% | 2,601 |
| Tier 1 risk-based capital ratio | 16.1707% | 3,065 |
| Total risk-based capital ratio | 17.4256% | 3,017 |
| Memoranda: | ||
| Average total assets | $284,079,000 | 2,241 |
| Average earning assets | $263,270,200 | 2,206 |
| Average equity | $33,114,000 | 2,080 |
| Average total loans | $166,888,400 | 2,344 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2704% | 4,576 |
| Cost of funding earning assets | 1.2614% | 530 |
| Net interest margin | 3.0090% | 6,154 |
| Noninterest income to average assets | 0.2199% | 5,975 |
| Noninterest expense to average assets | 4.2593% | 683 |
| Loan and lease loss provision to assets | 2.1832% | 90 |
| Net operating income to assets | -2.3285% | 7,077 |
| Return on assets (ROA) | -2.3285% | 7,079 |
| Pretax return on assets | -3.4217% | 7,124 |
| Return on Equity (ROE) | -20.1760% | 6,994 |
| Retained earnings to average equity (ytd only) | -20.1760% | 6,978 |
| Net charge-offs to loans | 3.9876% | 89 |
| Credit loss provision to net charge-offs | 92.0216% | 3,231 |
| Earnings coverage of net charge-offs (x) | -0.5221% | 5,503 |
| Efficiency ratio | 141.0020% | 115 |
| Assets per employee ($millions) | 4.8363% | 2,393 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3266% | 1,468 |
| Loan loss allowance to noncurrent loans | 47.5661% | 5,249 |
| Noncurrent assets plus other real estate owned to assets | 2.5562% | 2,065 |
| Noncurrent loans to loans | 4.8914% | 930 |
| Net loans and leases to total assets | 51.0435% | 5,183 |
| Net loans and leases to deposits | 68.5303% | 4,090 |
| Net loans and leases to core deposits | 74.8845% | 3,863 |
| Total domestic deposits to total assets | 74.4831% | 6,563 |
| Equity capital to assets | 12.0333% | 2,230 |
| Core capital (leverage) ratio | 10.0100% | 3,524 |
| Tier 1 risk-based capital ratio | 15.2219% | 3,693 |
| Total risk-based capital ratio | 16.4786% | 3,637 |
| Memoranda: | ||
| Average total assets | $291,619,500 | 2,218 |
| Average earning assets | $271,443,000 | 2,177 |
| Average equity | $33,656,250 | 2,063 |
| Average total loans | $173,501,250 | 2,303 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3314% | 4,446 |
| Cost of funding earning assets | 1.2629% | 613 |
| Net interest margin | 3.0685% | 6,079 |
| Noninterest income to average assets | 0.2425% | 5,842 |
| Noninterest expense to average assets | 4.0489% | 888 |
| Loan and lease loss provision to assets | 3.1653% | 49 |
| Net operating income to assets | -2.7935% | 7,142 |
| Return on assets (ROA) | -2.7935% | 7,149 |
| Pretax return on assets | -4.0925% | 7,192 |
| Return on Equity (ROE) | -24.5210% | 7,069 |
| Retained earnings to average equity (ytd only) | -24.5210% | 7,055 |
| Net charge-offs to loans | 5.6213% | 45 |
| Credit loss provision to net charge-offs | 91.2867% | 3,001 |
| Earnings coverage of net charge-offs (x) | -0.2674% | 5,180 |
| Efficiency ratio | 129.6996% | 163 |
| Assets per employee ($millions) | 5.0880% | 2,046 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2109% | 1,742 |
| Loan loss allowance to noncurrent loans | 45.7882% | 5,341 |
| Noncurrent assets plus other real estate owned to assets | 2.4519% | 2,275 |
| Noncurrent loans to loans | 4.8286% | 1,056 |
| Net loans and leases to total assets | 49.6571% | 5,399 |
| Net loans and leases to deposits | 65.0856% | 4,631 |
| Net loans and leases to core deposits | 71.3331% | 4,380 |
| Total domestic deposits to total assets | 76.2950% | 6,420 |
| Equity capital to assets | 11.1484% | 2,960 |
| Core capital (leverage) ratio | 10.0048% | 3,413 |
| Tier 1 risk-based capital ratio | 15.2307% | 3,613 |
| Total risk-based capital ratio | 16.4866% | 3,576 |
| Memoranda: | ||
| Average total assets | $298,548,670 | 2,166 |
| Average earning assets | $280,139,670 | 2,125 |
| Average equity | $34,011,670 | 2,037 |
| Average total loans | $184,156,670 | 2,171 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4918% | 3,948 |
| Cost of funding earning assets | 1.2804% | 682 |
| Net interest margin | 3.2114% | 5,754 |
| Noninterest income to average assets | 0.0660% | 6,871 |
| Noninterest expense to average assets | 3.7013% | 1,372 |
| Loan and lease loss provision to assets | 0.3633% | 1,738 |
| Net operating income to assets | -0.7886% | 6,948 |
| Return on assets (ROA) | -0.7886% | 6,965 |
| Pretax return on assets | -0.9471% | 6,967 |
| Return on Equity (ROE) | -6.8519% | 6,917 |
| Retained earnings to average equity (ytd only) | -6.8519% | 6,714 |
| Net charge-offs to loans | 0.1303% | 3,326 |
| Credit loss provision to net charge-offs | 416.6667% | 757 |
| Earnings coverage of net charge-offs (x) | -6.6970% | 4,680 |
| Efficiency ratio | 118.7288% | 229 |
| Assets per employee ($millions) | 6.0742% | 1,235 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9628% | 2,479 |
| Loan loss allowance to noncurrent loans | 33.3390% | 6,005 |
| Noncurrent assets plus other real estate owned to assets | 3.9464% | 1,406 |
| Noncurrent loans to loans | 5.8875% | 862 |
| Net loans and leases to total assets | 65.7143% | 2,520 |
| Net loans and leases to deposits | 86.2325% | 1,393 |
| Net loans and leases to core deposits | 95.9786% | 1,304 |
| Total domestic deposits to total assets | 76.2059% | 6,521 |
| Equity capital to assets | 11.6427% | 2,311 |
| Core capital (leverage) ratio | 11.0076% | 2,255 |
| Tier 1 risk-based capital ratio | 14.8872% | 3,830 |
| Total risk-based capital ratio | 16.1432% | 3,797 |
| Memoranda: | ||
| Average total assets | $302,815,500 | 2,152 |
| Average earning assets | $287,722,500 | 2,078 |
| Average equity | $34,851,500 | 1,986 |
| Average total loans | $202,600,500 | 2,010 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2644% | 1,818 |
| Cost of funding earning assets | 1.5039% | 706 |
| Net interest margin | 3.7605% | 4,027 |
| Noninterest income to average assets | 0.7779% | 2,179 |
| Noninterest expense to average assets | 3.3742% | 2,308 |
| Loan and lease loss provision to assets | 0.5066% | 2,076 |
| Net operating income to assets | 0.1085% | 5,849 |
| Return on assets (ROA) | 0.1834% | 5,771 |
| Pretax return on assets | 0.5625% | 4,805 |
| Return on Equity (ROE) | 1.6322% | 5,797 |
| Retained earnings to average equity (ytd only) | 1.6322% | 5,044 |
| Net charge-offs to loans | 1.2863% | 1,286 |
| Credit loss provision to net charge-offs | 52.1008% | 5,378 |
| Earnings coverage of net charge-offs (x) | 0.9792% | 5,061 |
| Efficiency ratio | 77.9935% | 2,589 |
| Assets per employee ($millions) | 6.0391% | 1,205 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8022% | 2,863 |
| Loan loss allowance to noncurrent loans | 61.8349% | 4,415 |
| Noncurrent assets plus other real estate owned to assets | 1.9465% | 3,048 |
| Noncurrent loans to loans | 2.9145% | 2,242 |
| Net loans and leases to total assets | 65.5818% | 2,857 |
| Net loans and leases to deposits | 85.4018% | 1,745 |
| Net loans and leases to core deposits | 90.4215% | 2,065 |
| Total domestic deposits to total assets | 76.7921% | 6,367 |
| Equity capital to assets | 11.3801% | 2,612 |
| Core capital (leverage) ratio | 11.1899% | 2,126 |
| Tier 1 risk-based capital ratio | 14.7203% | 3,819 |
| Total risk-based capital ratio | 15.9748% | 3,794 |
| Memoranda: | ||
| Average total assets | $305,964,800 | 2,088 |
| Average earning assets | $288,712,000 | 2,035 |
| Average equity | $34,371,600 | 1,949 |
| Average total loans | $231,278,800 | 1,803 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3468% | 1,689 |
| Cost of funding earning assets | 1.5633% | 680 |
| Net interest margin | 3.7835% | 3,954 |
| Noninterest income to average assets | 0.5587% | 3,457 |
| Noninterest expense to average assets | 3.1331% | 3,046 |
| Loan and lease loss provision to assets | 0.6766% | 1,429 |
| Net operating income to assets | 0.1505% | 5,834 |
| Return on assets (ROA) | 0.2505% | 5,713 |
| Pretax return on assets | 0.4697% | 5,261 |
| Return on Equity (ROE) | 2.2376% | 5,697 |
| Retained earnings to average equity (ytd only) | 2.2376% | 5,010 |
| Net charge-offs to loans | 1.2874% | 1,202 |
| Credit loss provision to net charge-offs | 67.5381% | 4,559 |
| Earnings coverage of net charge-offs (x) | 0.9882% | 4,892 |
| Efficiency ratio | 75.9898% | 2,838 |
| Assets per employee ($millions) | 5.9214% | 1,257 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9471% | 2,485 |
| Loan loss allowance to noncurrent loans | 54.2553% | 4,746 |
| Noncurrent assets plus other real estate owned to assets | 2.6769% | 2,416 |
| Noncurrent loans to loans | 3.5887% | 1,916 |
| Net loans and leases to total assets | 73.1402% | 1,481 |
| Net loans and leases to deposits | 95.5503% | 724 |
| Net loans and leases to core deposits | 105.3094% | 902 |
| Total domestic deposits to total assets | 76.5462% | 6,447 |
| Equity capital to assets | 11.5563% | 2,634 |
| Core capital (leverage) ratio | 10.7572% | 2,607 |
| Tier 1 risk-based capital ratio | 13.5580% | 4,698 |
| Total risk-based capital ratio | 14.8145% | 4,661 |
| Memoranda: | ||
| Average total assets | $305,457,500 | 2,103 |
| Average earning assets | $287,767,750 | 2,044 |
| Average equity | $34,202,000 | 1,962 |
| Average total loans | $237,674,750 | 1,776 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4131% | 1,520 |
| Cost of funding earning assets | 1.5856% | 739 |
| Net interest margin | 3.8274% | 3,660 |
| Noninterest income to average assets | 0.0965% | 6,845 |
| Noninterest expense to average assets | 3.1616% | 3,041 |
| Loan and lease loss provision to assets | 0.3588% | 2,636 |
| Net operating income to assets | 0.0632% | 6,088 |
| Return on assets (ROA) | 0.2126% | 5,815 |
| Pretax return on assets | 0.4090% | 5,366 |
| Return on Equity (ROE) | 1.9194% | 5,812 |
| Retained earnings to average equity (ytd only) | 1.9194% | 5,023 |
| Net charge-offs to loans | 0.9677% | 1,623 |
| Credit loss provision to net charge-offs | 47.0085% | 4,656 |
| Earnings coverage of net charge-offs (x) | 0.7000% | 4,770 |
| Efficiency ratio | 85.5454% | 1,644 |
| Assets per employee ($millions) | 6.5049% | 927 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9106% | 2,637 |
| Loan loss allowance to noncurrent loans | 51.9401% | 4,902 |
| Noncurrent assets plus other real estate owned to assets | 2.6703% | 2,501 |
| Noncurrent loans to loans | 3.6785% | 1,909 |
| Net loans and leases to total assets | 71.2045% | 1,958 |
| Net loans and leases to deposits | 94.3148% | 850 |
| Net loans and leases to core deposits | 104.8450% | 996 |
| Total domestic deposits to total assets | 75.4966% | 6,674 |
| Equity capital to assets | 10.7408% | 3,241 |
| Core capital (leverage) ratio | 10.7433% | 2,478 |
| Tier 1 risk-based capital ratio | 13.3430% | 4,654 |
| Total risk-based capital ratio | 14.5995% | 4,629 |
| Memoranda: | ||
| Average total assets | $306,613,330 | 2,103 |
| Average earning assets | $288,339,000 | 2,050 |
| Average equity | $33,969,670 | 1,960 |
| Average total loans | $241,812,330 | 1,763 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7675% | 784 |
| Cost of funding earning assets | 1.6774% | 613 |
| Net interest margin | 4.0901% | 2,305 |
| Noninterest income to average assets | 0.0592% | 7,100 |
| Noninterest expense to average assets | 3.2600% | 2,676 |
| Loan and lease loss provision to assets | 0.5382% | 1,615 |
| Net operating income to assets | 0.0013% | 6,347 |
| Return on assets (ROA) | 0.2476% | 5,691 |
| Pretax return on assets | 0.4776% | 5,094 |
| Return on Equity (ROE) | 2.1978% | 5,719 |
| Retained earnings to average equity (ytd only) | 2.1978% | 4,827 |
| Net charge-offs to loans | 0.9172% | 1,452 |
| Credit loss provision to net charge-offs | 71.3012% | 3,334 |
| Earnings coverage of net charge-offs (x) | 0.8360% | 4,012 |
| Efficiency ratio | 83.7828% | 1,983 |
| Assets per employee ($millions) | 6.9288% | 764 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0536% | 2,283 |
| Loan loss allowance to noncurrent loans | 61.6855% | 4,334 |
| Noncurrent assets plus other real estate owned to assets | 2.7042% | 2,550 |
| Noncurrent loans to loans | 3.3291% | 2,254 |
| Net loans and leases to total assets | 79.5617% | 560 |
| Net loans and leases to deposits | 106.3874% | 241 |
| Net loans and leases to core deposits | 118.7629% | 450 |
| Total domestic deposits to total assets | 74.7849% | 6,824 |
| Equity capital to assets | 11.5040% | 2,261 |
| Core capital (leverage) ratio | 10.5881% | 2,518 |
| Tier 1 risk-based capital ratio | 13.0703% | 4,776 |
| Total risk-based capital ratio | 14.3293% | 4,749 |
| Memoranda: | ||
| Average total assets | $297,297,500 | 2,179 |
| Average earning assets | $278,528,000 | 2,124 |
| Average equity | $33,487,500 | 1,969 |
| Average total loans | $244,668,500 | 1,759 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7641% | 1,367 |
| Cost of funding earning assets | 1.7932% | 1,196 |
| Net interest margin | 3.9709% | 3,145 |
| Noninterest income to average assets | 0.1491% | 6,643 |
| Noninterest expense to average assets | 3.1558% | 3,251 |
| Loan and lease loss provision to assets | 0.8772% | 1,867 |
| Net operating income to assets | -0.1849% | 6,100 |
| Return on assets (ROA) | -0.0400% | 6,002 |
| Pretax return on assets | 0.0377% | 5,818 |
| Return on Equity (ROE) | -0.3973% | 6,009 |
| Retained earnings to average equity (ytd only) | -0.3973% | 5,688 |
| Net charge-offs to loans | 1.1319% | 1,972 |
| Credit loss provision to net charge-offs | 93.0072% | 4,988 |
| Earnings coverage of net charge-offs (x) | 0.7299% | 5,390 |
| Efficiency ratio | 82.0909% | 2,153 |
| Assets per employee ($millions) | 6.1803% | 1,094 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0750% | 2,121 |
| Loan loss allowance to noncurrent loans | 34.5985% | 6,013 |
| Noncurrent assets plus other real estate owned to assets | 5.0001% | 1,276 |
| Noncurrent loans to loans | 5.9975% | 1,048 |
| Net loans and leases to total assets | 81.6400% | 481 |
| Net loans and leases to deposits | 115.6089% | 149 |
| Net loans and leases to core deposits | 128.0847% | 356 |
| Total domestic deposits to total assets | 70.6174% | 7,199 |
| Equity capital to assets | 11.0229% | 2,661 |
| Core capital (leverage) ratio | 10.4915% | 2,569 |
| Tier 1 risk-based capital ratio | 12.5366% | 4,992 |
| Total risk-based capital ratio | 13.7969% | 4,970 |
| Memoranda: | ||
| Average total assets | $307,787,200 | 2,105 |
| Average earning assets | $286,411,400 | 2,073 |
| Average equity | $30,957,200 | 2,118 |
| Average total loans | $256,473,600 | 1,727 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7766% | 1,467 |
| Cost of funding earning assets | 1.8294% | 1,306 |
| Net interest margin | 3.9472% | 3,332 |
| Noninterest income to average assets | 0.1339% | 6,885 |
| Noninterest expense to average assets | 3.0760% | 3,446 |
| Loan and lease loss provision to assets | 0.9445% | 1,589 |
| Net operating income to assets | -0.1949% | 6,314 |
| Return on assets (ROA) | -0.1224% | 6,298 |
| Pretax return on assets | -0.1378% | 6,260 |
| Return on Equity (ROE) | -1.2450% | 6,308 |
| Retained earnings to average equity (ytd only) | -1.2450% | 6,054 |
| Net charge-offs to loans | 1.1712% | 1,741 |
| Credit loss provision to net charge-offs | 96.7884% | 4,478 |
| Earnings coverage of net charge-offs (x) | 0.7431% | 5,322 |
| Efficiency ratio | 80.9239% | 2,224 |
| Assets per employee ($millions) | 6.3269% | 1,058 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1001% | 1,997 |
| Loan loss allowance to noncurrent loans | 34.0914% | 6,056 |
| Noncurrent assets plus other real estate owned to assets | 5.0825% | 1,264 |
| Noncurrent loans to loans | 6.1602% | 997 |
| Net loans and leases to total assets | 80.7731% | 639 |
| Net loans and leases to deposits | 112.1972% | 216 |
| Net loans and leases to core deposits | 120.1015% | 608 |
| Total domestic deposits to total assets | 71.9921% | 7,132 |
| Equity capital to assets | 10.1064% | 4,008 |
| Core capital (leverage) ratio | 9.5398% | 3,844 |
| Tier 1 risk-based capital ratio | 11.5367% | 5,894 |
| Total risk-based capital ratio | 12.7973% | 5,874 |
| Memoranda: | ||
| Average total assets | $310,570,250 | 2,127 |
| Average earning assets | $288,533,750 | 2,088 |
| Average equity | $30,521,500 | 2,161 |
| Average total loans | $258,761,750 | 1,731 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8690% | 1,257 |
| Cost of funding earning assets | 1.8505% | 1,430 |
| Net interest margin | 4.0185% | 2,929 |
| Noninterest income to average assets | 0.1227% | 6,984 |
| Noninterest expense to average assets | 3.0889% | 3,369 |
| Loan and lease loss provision to assets | 1.4064% | 952 |
| Net operating income to assets | -0.4482% | 6,610 |
| Return on assets (ROA) | -0.3644% | 6,574 |
| Pretax return on assets | -0.5306% | 6,612 |
| Return on Equity (ROE) | -3.7420% | 6,598 |
| Retained earnings to average equity (ytd only) | -3.7420% | 6,412 |
| Net charge-offs to loans | 1.9167% | 966 |
| Credit loss provision to net charge-offs | 87.7893% | 4,487 |
| Earnings coverage of net charge-offs (x) | 0.4709% | 5,245 |
| Efficiency ratio | 80.3726% | 2,394 |
| Assets per employee ($millions) | 6.1019% | 1,156 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0177% | 2,134 |
| Loan loss allowance to noncurrent loans | 40.4456% | 5,646 |
| Noncurrent assets plus other real estate owned to assets | 4.0755% | 1,678 |
| Noncurrent loans to loans | 4.9887% | 1,383 |
| Net loans and leases to total assets | 80.0461% | 792 |
| Net loans and leases to deposits | 110.7345% | 254 |
| Net loans and leases to core deposits | 120.8961% | 669 |
| Total domestic deposits to total assets | 72.2865% | 7,162 |
| Equity capital to assets | 9.9484% | 4,080 |
| Core capital (leverage) ratio | 9.3270% | 4,069 |
| Tier 1 risk-based capital ratio | 11.0695% | 6,160 |
| Total risk-based capital ratio | 12.3281% | 6,144 |
| Memoranda: | ||
| Average total assets | $312,864,000 | 2,129 |
| Average earning assets | $289,658,330 | 2,092 |
| Average equity | $30,464,670 | 2,162 |
| Average total loans | $261,495,330 | 1,743 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0143% | 951 |
| Cost of funding earning assets | 1.8629% | 1,598 |
| Net interest margin | 4.1514% | 2,227 |
| Noninterest income to average assets | 0.1023% | 7,194 |
| Noninterest expense to average assets | 2.9765% | 3,762 |
| Loan and lease loss provision to assets | 2.7782% | 369 |
| Net operating income to assets | -1.1360% | 7,187 |
| Return on assets (ROA) | -0.9825% | 7,122 |
| Pretax return on assets | -1.5571% | 7,276 |
| Return on Equity (ROE) | -10.1963% | 7,148 |
| Retained earnings to average equity (ytd only) | -10.1963% | 6,980 |
| Net charge-offs to loans | 3.6275% | 383 |
| Credit loss provision to net charge-offs | 90.6469% | 3,650 |
| Earnings coverage of net charge-offs (x) | 0.3201% | 4,756 |
| Efficiency ratio | 75.2074% | 3,358 |
| Assets per employee ($millions) | 6.1648% | 1,160 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9277% | 2,369 |
| Loan loss allowance to noncurrent loans | 55.1560% | 4,651 |
| Noncurrent assets plus other real estate owned to assets | 3.0045% | 2,382 |
| Noncurrent loans to loans | 3.4951% | 2,281 |
| Net loans and leases to total assets | 84.3063% | 344 |
| Net loans and leases to deposits | 115.9558% | 179 |
| Net loans and leases to core deposits | 126.5757% | 570 |
| Total domestic deposits to total assets | 72.7056% | 7,195 |
| Equity capital to assets | 9.7522% | 4,170 |
| Core capital (leverage) ratio | 9.0197% | 4,527 |
| Tier 1 risk-based capital ratio | 10.9990% | 6,157 |
| Total risk-based capital ratio | 12.2581% | 6,120 |
| Memoranda: | ||
| Average total assets | $316,749,500 | 2,149 |
| Average earning assets | $294,166,500 | 2,121 |
| Average equity | $30,521,000 | 2,187 |
| Average total loans | $267,621,000 | 1,757 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9903% | 1,912 |
| Cost of funding earning assets | 2.2410% | 1,864 |
| Net interest margin | 3.7493% | 3,916 |
| Noninterest income to average assets | 0.1049% | 7,239 |
| Noninterest expense to average assets | 2.7432% | 5,184 |
| Loan and lease loss provision to assets | 1.2560% | 1,841 |
| Net operating income to assets | 0.6217% | 3,246 |
| Return on assets (ROA) | 0.7560% | 2,788 |
| Pretax return on assets | -0.2028% | 5,707 |
| Return on Equity (ROE) | 7.5875% | 2,545 |
| Retained earnings to average equity (ytd only) | 7.5875% | 809 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4832% | 3,440 |
| Assets per employee ($millions) | 6.6380% | 926 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9740% | 2,089 |
| Loan loss allowance to noncurrent loans | 71.8519% | 3,816 |
| Noncurrent assets plus other real estate owned to assets | 2.2828% | 3,028 |
| Noncurrent loans to loans | 2.7473% | 2,816 |
| Net loans and leases to total assets | 81.4530% | 771 |
| Net loans and leases to deposits | 111.1818% | 343 |
| Net loans and leases to core deposits | 156.2166% | 393 |
| Total domestic deposits to total assets | 73.2611% | 7,122 |
| Equity capital to assets | 9.5253% | 4,385 |
| Core capital (leverage) ratio | 8.8958% | 4,595 |
| Tier 1 risk-based capital ratio | 11.2962% | 5,619 |
| Total risk-based capital ratio | 12.5558% | 5,553 |
| Memoranda: | ||
| Average total assets | $299,355,400 | 2,221 |
| Average earning assets | $278,000,800 | 2,193 |
| Average equity | $29,825,200 | 2,238 |
| Average total loans | $236,223,000 | 1,985 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9799% | 2,117 |
| Cost of funding earning assets | 2.3098% | 1,943 |
| Net interest margin | 3.6701% | 4,203 |
| Noninterest income to average assets | 0.0992% | 7,408 |
| Noninterest expense to average assets | 2.6977% | 5,339 |
| Loan and lease loss provision to assets | 1.5182% | 1,260 |
| Net operating income to assets | 0.7525% | 3,012 |
| Return on assets (ROA) | 0.9355% | 2,351 |
| Pretax return on assets | -0.4334% | 6,233 |
| Return on Equity (ROE) | 9.2766% | 2,171 |
| Retained earnings to average equity (ytd only) | 9.2766% | 773 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1514% | 3,291 |
| Assets per employee ($millions) | 7.1414% | 737 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8650% | 2,118 |
| Loan loss allowance to noncurrent loans | 66.1279% | 4,005 |
| Noncurrent assets plus other real estate owned to assets | 2.2122% | 3,082 |
| Noncurrent loans to loans | 2.8203% | 2,685 |
| Net loans and leases to total assets | 76.9753% | 1,789 |
| Net loans and leases to deposits | 103.8933% | 782 |
| Net loans and leases to core deposits | 142.8707% | 802 |
| Total domestic deposits to total assets | 74.0907% | 6,931 |
| Equity capital to assets | 9.1314% | 5,288 |
| Core capital (leverage) ratio | 9.7898% | 3,527 |
| Tier 1 risk-based capital ratio | 11.1751% | 5,784 |
| Total risk-based capital ratio | 12.4327% | 5,722 |
| Memoranda: | ||
| Average total assets | $292,879,250 | 2,283 |
| Average earning assets | $271,122,000 | 2,249 |
| Average equity | $29,536,000 | 2,286 |
| Average total loans | $227,711,500 | 2,069 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1204% | 1,725 |
| Cost of funding earning assets | 2.5483% | 1,457 |
| Net interest margin | 3.5721% | 4,489 |
| Noninterest income to average assets | 0.0790% | 7,590 |
| Noninterest expense to average assets | 2.8117% | 4,911 |
| Loan and lease loss provision to assets | 1.8591% | 881 |
| Net operating income to assets | 1.1025% | 1,764 |
| Return on assets (ROA) | 1.3308% | 1,235 |
| Pretax return on assets | -0.9217% | 6,761 |
| Return on Equity (ROE) | 12.7139% | 1,239 |
| Retained earnings to average equity (ytd only) | 12.7139% | 355 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.8819% | 2,618 |
| Assets per employee ($millions) | 6.2157% | 1,094 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8057% | 2,028 |
| Loan loss allowance to noncurrent loans | 114.7383% | 2,560 |
| Noncurrent assets plus other real estate owned to assets | 1.2696% | 4,398 |
| Noncurrent loans to loans | 1.5738% | 4,139 |
| Net loans and leases to total assets | 79.2142% | 1,482 |
| Net loans and leases to deposits | 111.1215% | 515 |
| Net loans and leases to core deposits | 139.5537% | 1,034 |
| Total domestic deposits to total assets | 71.2861% | 7,329 |
| Equity capital to assets | 10.6355% | 3,265 |
| Core capital (leverage) ratio | 10.1024% | 3,187 |
| Tier 1 risk-based capital ratio | 11.9853% | 4,930 |
| Total risk-based capital ratio | 13.2413% | 4,843 |
| Memoranda: | ||
| Average total assets | $278,624,330 | 2,390 |
| Average earning assets | $258,447,330 | 2,366 |
| Average equity | $29,165,000 | 2,327 |
| Average total loans | $215,857,670 | 2,191 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9973% | 2,381 |
| Cost of funding earning assets | 2.6632% | 1,363 |
| Net interest margin | 3.3340% | 5,386 |
| Noninterest income to average assets | 0.0524% | 7,818 |
| Noninterest expense to average assets | 2.7130% | 4,937 |
| Loan and lease loss provision to assets | 0.8073% | 1,598 |
| Net operating income to assets | -0.3375% | 6,727 |
| Return on assets (ROA) | -0.0480% | 6,457 |
| Pretax return on assets | -0.0480% | 6,428 |
| Return on Equity (ROE) | -0.4625% | 6,461 |
| Retained earnings to average equity (ytd only) | -0.4625% | 5,756 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.2377% | 2,172 |
| Assets per employee ($millions) | 6.3277% | 1,032 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9719% | 6,359 |
| Loan loss allowance to noncurrent loans | 68.8207% | 4,141 |
| Noncurrent assets plus other real estate owned to assets | 1.1116% | 4,462 |
| Noncurrent loans to loans | 1.4122% | 4,187 |
| Net loans and leases to total assets | 77.9536% | 1,838 |
| Net loans and leases to deposits | 106.4627% | 829 |
| Net loans and leases to core deposits | 146.3690% | 843 |
| Total domestic deposits to total assets | 73.2215% | 7,022 |
| Equity capital to assets | 10.3187% | 3,634 |
| Core capital (leverage) ratio | 10.5019% | 2,923 |
| Tier 1 risk-based capital ratio | 14.9147% | 3,115 |
| Total risk-based capital ratio | 16.0323% | 3,095 |
| Memoranda: | ||
| Average total assets | $274,976,000 | 2,419 |
| Average earning assets | $258,184,500 | 2,384 |
| Average equity | $28,543,000 | 2,379 |
| Average total loans | $208,459,000 | 2,283 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3298% | 3,793 |
| Cost of funding earning assets | 2.9969% | 1,872 |
| Net interest margin | 3.3329% | 5,920 |
| Noninterest income to average assets | 0.0599% | 7,848 |
| Noninterest expense to average assets | 3.0374% | 3,944 |
| Loan and lease loss provision to assets | 0.6658% | 2,179 |
| Net operating income to assets | -0.5290% | 6,942 |
| Return on assets (ROA) | -0.3646% | 6,660 |
| Pretax return on assets | -0.3549% | 6,505 |
| Return on Equity (ROE) | -2.5072% | 6,563 |
| Retained earnings to average equity (ytd only) | -2.5072% | 5,994 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.3997% | 1,192 |
| Assets per employee ($millions) | 6.3148% | 982 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7965% | 7,120 |
| Loan loss allowance to noncurrent loans | 50.8885% | 5,448 |
| Noncurrent assets plus other real estate owned to assets | 1.1398% | 3,991 |
| Noncurrent loans to loans | 1.5651% | 3,437 |
| Net loans and leases to total assets | 72.2474% | 3,530 |
| Net loans and leases to deposits | 93.6062% | 2,835 |
| Net loans and leases to core deposits | 132.9356% | 1,659 |
| Total domestic deposits to total assets | 77.1823% | 5,945 |
| Equity capital to assets | 10.4432% | 3,567 |
| Core capital (leverage) ratio | 11.1681% | 2,448 |
| Tier 1 risk-based capital ratio | 15.1928% | 2,959 |
| Total risk-based capital ratio | 16.0349% | 3,080 |
| Memoranda: | ||
| Average total assets | $195,266,400 | 3,198 |
| Average earning assets | $183,021,800 | 3,145 |
| Average equity | $28,398,600 | 2,379 |
| Average total loans | $122,210,400 | 3,415 |