Home > First State Bank in Tuscola > Performance and Condition Ratios
First State Bank in Tuscola, 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 | 3.0997% | 6,239 |
| Cost of funding earning assets | 0.1378% | 6,580 |
| Net interest margin | 2.9619% | 5,658 |
| Noninterest income to average assets | 0.7265% | 2,400 |
| Noninterest expense to average assets | 3.5470% | 1,552 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | -0.0738% | 6,274 |
| Return on assets (ROA) | -0.0226% | 6,273 |
| Pretax return on assets | -0.0316% | 6,254 |
| Return on Equity (ROE) | -0.2416% | 6,279 |
| Retained earnings to average equity (ytd only) | -1.9331% | 6,167 |
| Net charge-offs to loans | 0.0868% | 3,989 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | -3.8333% | 5,371 |
| Efficiency ratio | 103.0144% | 399 |
| Assets per employee ($millions) | 4.4564% | 2,981 |
| Cash dividends to net income (ytd only)* | -700.0000% | 6,805 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4744% | 3,313 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 32.0887% | 6,377 |
| Net loans and leases to deposits | 35.5474% | 6,439 |
| Net loans and leases to core deposits | 35.5474% | 6,486 |
| Total domestic deposits to total assets | 90.2702% | 932 |
| Equity capital to assets | 9.0521% | 4,968 |
| Core capital (leverage) ratio | 8.6542% | 5,472 |
| Tier 1 risk-based capital ratio | 17.9775% | 2,253 |
| Total risk-based capital ratio | 18.9964% | 2,298 |
| Memoranda: | ||
| Average total assets | $22,159,800 | 6,674 |
| Average earning assets | $20,324,800 | 6,650 |
| Average equity | $2,069,200 | 6,675 |
| Average total loans | $6,910,800 | 6,684 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1130% | 6,307 |
| Cost of funding earning assets | 0.1436% | 6,659 |
| Net interest margin | 2.9695% | 5,667 |
| Noninterest income to average assets | 0.7833% | 2,236 |
| Noninterest expense to average assets | 3.0306% | 2,883 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.4691% | 4,937 |
| Return on assets (ROA) | 0.5664% | 4,647 |
| Pretax return on assets | 0.5965% | 5,021 |
| Return on Equity (ROE) | 6.0190% | 4,175 |
| Retained earnings to average equity (ytd only) | 3.7776% | 3,991 |
| Net charge-offs to loans | -0.0391% | 6,233 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.9829% | 1,363 |
| Assets per employee ($millions) | 4.3682% | 3,101 |
| Cash dividends to net income (ytd only)* | 37.2377% | 2,382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5566% | 3,200 |
| Loan loss allowance to noncurrent loans | 273.8095% | 1,489 |
| Noncurrent assets plus other real estate owned to assets | 0.1923% | 5,862 |
| Noncurrent loans to loans | 0.5685% | 4,785 |
| Net loans and leases to total assets | 33.2998% | 6,395 |
| Net loans and leases to deposits | 36.9807% | 6,473 |
| Net loans and leases to core deposits | 37.6508% | 6,512 |
| Total domestic deposits to total assets | 90.0462% | 968 |
| Equity capital to assets | 9.5554% | 4,480 |
| Core capital (leverage) ratio | 8.8975% | 5,263 |
| Tier 1 risk-based capital ratio | 18.8574% | 2,033 |
| Total risk-based capital ratio | 19.9488% | 2,049 |
| Memoranda: | ||
| Average total assets | $22,129,250 | 6,748 |
| Average earning assets | $20,429,500 | 6,724 |
| Average equity | $2,082,250 | 6,756 |
| Average total loans | $6,824,250 | 6,768 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9944% | 6,454 |
| Cost of funding earning assets | 0.1430% | 6,731 |
| Net interest margin | 2.8513% | 5,894 |
| Noninterest income to average assets | 0.7919% | 2,225 |
| Noninterest expense to average assets | 2.8796% | 3,407 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.6029% | 4,263 |
| Return on assets (ROA) | 0.6029% | 4,446 |
| Pretax return on assets | 0.6029% | 5,001 |
| Return on Equity (ROE) | 6.4402% | 3,910 |
| Retained earnings to average equity (ytd only) | 3.0759% | 4,365 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.6873% | 1,801 |
| Assets per employee ($millions) | 3.6938% | 4,413 |
| Cash dividends to net income (ytd only)* | 52.2388% | 1,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6222% | 3,082 |
| Loan loss allowance to noncurrent loans | 226.0000% | 1,796 |
| Noncurrent assets plus other real estate owned to assets | 0.2256% | 5,813 |
| Noncurrent loans to loans | 0.7178% | 4,490 |
| Net loans and leases to total assets | 30.9209% | 6,547 |
| Net loans and leases to deposits | 34.2873% | 6,601 |
| Net loans and leases to core deposits | 34.8984% | 6,625 |
| Total domestic deposits to total assets | 90.1818% | 930 |
| Equity capital to assets | 9.4392% | 4,661 |
| Core capital (leverage) ratio | 8.9306% | 5,101 |
| Tier 1 risk-based capital ratio | 18.9025% | 2,018 |
| Total risk-based capital ratio | 19.9923% | 2,031 |
| Memoranda: | ||
| Average total assets | $22,225,330 | 6,797 |
| Average earning assets | $20,972,670 | 6,760 |
| Average equity | $2,080,670 | 6,805 |
| Average total loans | $6,636,330 | 6,820 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8675% | 6,638 |
| Cost of funding earning assets | 0.1480% | 6,804 |
| Net interest margin | 2.7195% | 6,187 |
| Noninterest income to average assets | 0.8267% | 2,010 |
| Noninterest expense to average assets | 3.1451% | 2,528 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.3235% | 5,475 |
| Return on assets (ROA) | 0.3235% | 5,608 |
| Pretax return on assets | 0.3235% | 5,795 |
| Return on Equity (ROE) | 3.4699% | 5,356 |
| Retained earnings to average equity (ytd only) | -3.2771% | 6,208 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.6736% | 1,085 |
| Assets per employee ($millions) | 3.6365% | 4,710 |
| Cash dividends to net income (ytd only)* | 194.4444% | 229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7260% | 2,897 |
| Loan loss allowance to noncurrent loans | 282.5000% | 1,388 |
| Noncurrent assets plus other real estate owned to assets | 0.1833% | 6,022 |
| Noncurrent loans to loans | 0.6110% | 4,915 |
| Net loans and leases to total assets | 29.4881% | 6,623 |
| Net loans and leases to deposits | 33.2026% | 6,662 |
| Net loans and leases to core deposits | 33.8133% | 6,679 |
| Total domestic deposits to total assets | 88.8125% | 1,789 |
| Equity capital to assets | 9.4276% | 4,958 |
| Core capital (leverage) ratio | 8.2702% | 5,855 |
| Tier 1 risk-based capital ratio | 19.3245% | 1,949 |
| Total risk-based capital ratio | 20.4672% | 1,951 |
| Memoranda: | ||
| Average total assets | $22,256,500 | 6,870 |
| Average earning assets | $21,621,500 | 6,820 |
| Average equity | $2,075,000 | 6,873 |
| Average total loans | $6,471,500 | 6,898 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2349% | 6,642 |
| Cost of funding earning assets | 0.2016% | 6,833 |
| Net interest margin | 3.0333% | 5,968 |
| Noninterest income to average assets | 1.2934% | 919 |
| Noninterest expense to average assets | 3.4864% | 1,845 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.6221% | 4,130 |
| Return on assets (ROA) | 0.6221% | 4,394 |
| Pretax return on assets | 0.6355% | 4,866 |
| Return on Equity (ROE) | 6.6769% | 3,823 |
| Retained earnings to average equity (ytd only) | 0.8646% | 5,436 |
| Net charge-offs to loans | -0.5848% | 7,013 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.5820% | 1,562 |
| Assets per employee ($millions) | 3.7823% | 4,407 |
| Cash dividends to net income (ytd only)* | 87.0504% | 790 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7667% | 2,707 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 27.6857% | 6,767 |
| Net loans and leases to deposits | 30.6249% | 6,816 |
| Net loans and leases to core deposits | 31.1564% | 6,826 |
| Total domestic deposits to total assets | 90.4027% | 749 |
| Equity capital to assets | 9.2227% | 5,242 |
| Core capital (leverage) ratio | 8.4855% | 5,634 |
| Tier 1 risk-based capital ratio | 19.4358% | 1,835 |
| Total risk-based capital ratio | 20.5743% | 1,837 |
| Memoranda: | ||
| Average total assets | $22,343,800 | 6,922 |
| Average earning assets | $20,835,200 | 6,887 |
| Average equity | $2,081,800 | 6,939 |
| Average total loans | $6,669,400 | 6,963 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3566% | 6,671 |
| Cost of funding earning assets | 0.2216% | 6,901 |
| Net interest margin | 3.1350% | 5,851 |
| Noninterest income to average assets | 1.4258% | 739 |
| Noninterest expense to average assets | 3.4566% | 1,868 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.7788% | 3,553 |
| Return on assets (ROA) | 0.7788% | 3,802 |
| Pretax return on assets | 0.8507% | 4,305 |
| Return on Equity (ROE) | 8.3372% | 3,113 |
| Retained earnings to average equity (ytd only) | 2.8860% | 4,819 |
| Net charge-offs to loans | -0.7718% | 7,112 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2503% | 2,059 |
| Assets per employee ($millions) | 3.8448% | 4,203 |
| Cash dividends to net income (ytd only)* | 65.3839% | 1,082 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7374% | 3,006 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 27.7038% | 6,883 |
| Net loans and leases to deposits | 30.7127% | 6,938 |
| Net loans and leases to core deposits | 30.7127% | 6,957 |
| Total domestic deposits to total assets | 90.2033% | 728 |
| Equity capital to assets | 9.1335% | 5,664 |
| Core capital (leverage) ratio | 8.3643% | 5,930 |
| Tier 1 risk-based capital ratio | 19.6484% | 1,842 |
| Total risk-based capital ratio | 20.7835% | 1,846 |
| Memoranda: | ||
| Average total assets | $22,256,250 | 7,015 |
| Average earning assets | $20,457,000 | 6,985 |
| Average equity | $2,079,000 | 7,030 |
| Average total loans | $6,737,750 | 7,053 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4407% | 6,684 |
| Cost of funding earning assets | 0.2353% | 6,956 |
| Net interest margin | 3.2055% | 5,722 |
| Noninterest income to average assets | 1.7466% | 503 |
| Noninterest expense to average assets | 3.5023% | 1,782 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.1098% | 2,010 |
| Return on assets (ROA) | 1.1098% | 2,226 |
| Pretax return on assets | 1.2190% | 2,840 |
| Return on Equity (ROE) | 11.7893% | 1,731 |
| Retained earnings to average equity (ytd only) | 3.5754% | 4,216 |
| Net charge-offs to loans | -1.1444% | 7,182 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1811% | 3,045 |
| Assets per employee ($millions) | 3.9607% | 3,955 |
| Cash dividends to net income (ytd only)* | 69.6721% | 1,099 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6876% | 3,277 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 27.7016% | 6,939 |
| Net loans and leases to deposits | 30.5603% | 6,993 |
| Net loans and leases to core deposits | 30.5603% | 7,011 |
| Total domestic deposits to total assets | 90.6455% | 591 |
| Equity capital to assets | 8.7864% | 5,929 |
| Core capital (leverage) ratio | 8.6585% | 5,438 |
| Tier 1 risk-based capital ratio | 23.5864% | 1,067 |
| Total risk-based capital ratio | 24.8335% | 1,049 |
| Memoranda: | ||
| Average total assets | $21,985,330 | 7,078 |
| Average earning assets | $20,402,670 | 7,041 |
| Average equity | $2,069,670 | 7,082 |
| Average total loans | $6,815,670 | 7,109 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5439% | 6,642 |
| Cost of funding earning assets | 0.2588% | 6,981 |
| Net interest margin | 3.2851% | 5,513 |
| Noninterest income to average assets | 2.7873% | 268 |
| Noninterest expense to average assets | 3.7163% | 1,353 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.7634% | 645 |
| Return on assets (ROA) | 1.7634% | 722 |
| Pretax return on assets | 2.1995% | 539 |
| Return on Equity (ROE) | 18.0539% | 543 |
| Retained earnings to average equity (ytd only) | 1.5530% | 5,463 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8205% | 5,133 |
| Assets per employee ($millions) | 3.4985% | 5,121 |
| Cash dividends to net income (ytd only)* | 91.3978% | 645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0618% | 6,036 |
| Loan loss allowance to noncurrent loans | 164.4444% | 1,982 |
| Noncurrent assets plus other real estate owned to assets | 0.2144% | 6,349 |
| Noncurrent loans to loans | 0.6457% | 5,351 |
| Net loans and leases to total assets | 32.8474% | 6,785 |
| Net loans and leases to deposits | 36.6541% | 6,867 |
| Net loans and leases to core deposits | 36.6541% | 6,920 |
| Total domestic deposits to total assets | 89.6146% | 1,291 |
| Equity capital to assets | 9.7851% | 4,404 |
| Core capital (leverage) ratio | 8.7398% | 5,230 |
| Tier 1 risk-based capital ratio | 19.3917% | 1,873 |
| Total risk-based capital ratio | 20.1395% | 1,984 |
| Memoranda: | ||
| Average total assets | $21,096,000 | 7,153 |
| Average earning assets | $20,091,000 | 7,112 |
| Average equity | $2,060,500 | 7,136 |
| Average total loans | $6,875,500 | 7,168 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8637% | 6,659 |
| Cost of funding earning assets | 0.4053% | 6,873 |
| Net interest margin | 3.4584% | 5,293 |
| Noninterest income to average assets | 0.8656% | 1,784 |
| Noninterest expense to average assets | 3.4671% | 2,070 |
| Loan and lease loss provision to assets | 0.0095% | 6,417 |
| Net operating income to assets | 0.4328% | 4,719 |
| Return on assets (ROA) | 0.5041% | 4,616 |
| Pretax return on assets | 0.5041% | 4,979 |
| Return on Equity (ROE) | 5.2647% | 4,267 |
| Retained earnings to average equity (ytd only) | -0.1987% | 5,883 |
| Net charge-offs to loans | -0.1249% | 7,157 |
| Credit loss provision to net charge-offs | -25.0000% | 6,635 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.6861% | 1,297 |
| Assets per employee ($millions) | 3.5335% | 4,933 |
| Cash dividends to net income (ytd only)* | 103.7736% | 283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0911% | 5,846 |
| Loan loss allowance to noncurrent loans | 164.4444% | 1,959 |
| Noncurrent assets plus other real estate owned to assets | 1.3820% | 3,930 |
| Noncurrent loans to loans | 0.6635% | 5,377 |
| Net loans and leases to total assets | 31.6400% | 6,950 |
| Net loans and leases to deposits | 35.2440% | 7,019 |
| Net loans and leases to core deposits | 35.2440% | 7,050 |
| Total domestic deposits to total assets | 89.7741% | 1,118 |
| Equity capital to assets | 9.7495% | 4,514 |
| Core capital (leverage) ratio | 8.3221% | 5,828 |
| Tier 1 risk-based capital ratio | 19.3147% | 1,811 |
| Total risk-based capital ratio | 20.0627% | 1,913 |
| Memoranda: | ||
| Average total assets | $21,026,000 | 7,183 |
| Average earning assets | $18,505,400 | 7,176 |
| Average equity | $2,013,400 | 7,207 |
| Average total loans | $6,404,600 | 7,230 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9671% | 6,637 |
| Cost of funding earning assets | 0.4358% | 6,920 |
| Net interest margin | 3.5313% | 5,057 |
| Noninterest income to average assets | 0.8134% | 1,989 |
| Noninterest expense to average assets | 3.5013% | 1,931 |
| Loan and lease loss provision to assets | 0.0127% | 6,274 |
| Net operating income to assets | 0.3368% | 5,266 |
| Return on assets (ROA) | 0.4257% | 5,071 |
| Pretax return on assets | 0.4257% | 5,385 |
| Return on Equity (ROE) | 4.4665% | 4,784 |
| Retained earnings to average equity (ytd only) | -2.8665% | 6,404 |
| Net charge-offs to loans | -0.1268% | 7,200 |
| Credit loss provision to net charge-offs | -33.3333% | 6,448 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.9241% | 1,117 |
| Assets per employee ($millions) | 3.8405% | 4,212 |
| Cash dividends to net income (ytd only)* | 164.1778% | 94 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1170% | 5,821 |
| Loan loss allowance to noncurrent loans | 160.0000% | 1,914 |
| Noncurrent assets plus other real estate owned to assets | 1.2715% | 4,259 |
| Noncurrent loans to loans | 0.6981% | 5,488 |
| Net loans and leases to total assets | 27.6613% | 7,159 |
| Net loans and leases to deposits | 30.5590% | 7,210 |
| Net loans and leases to core deposits | 30.9448% | 7,217 |
| Total domestic deposits to total assets | 90.5177% | 631 |
| Equity capital to assets | 8.8487% | 5,920 |
| Core capital (leverage) ratio | 8.4131% | 5,833 |
| Tier 1 risk-based capital ratio | 18.7650% | 2,003 |
| Total risk-based capital ratio | 19.4868% | 2,141 |
| Memoranda: | ||
| Average total assets | $20,982,250 | 7,253 |
| Average earning assets | $18,048,000 | 7,256 |
| Average equity | $2,000,000 | 7,281 |
| Average total loans | $6,310,250 | 7,306 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1871% | 6,307 |
| Cost of funding earning assets | 0.4627% | 6,974 |
| Net interest margin | 3.7244% | 4,156 |
| Noninterest income to average assets | 0.8278% | 1,903 |
| Noninterest expense to average assets | 3.6363% | 1,657 |
| Loan and lease loss provision to assets | 0.0197% | 6,042 |
| Net operating income to assets | 0.3449% | 5,196 |
| Return on assets (ROA) | 0.4829% | 4,724 |
| Pretax return on assets | 0.4829% | 5,124 |
| Return on Equity (ROE) | 4.9321% | 4,485 |
| Retained earnings to average equity (ytd only) | -6.1399% | 6,666 |
| Net charge-offs to loans | -0.0319% | 6,936 |
| Credit loss provision to net charge-offs | -200.0000% | 6,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.8867% | 1,175 |
| Assets per employee ($millions) | 3.5515% | 4,806 |
| Cash dividends to net income (ytd only)* | 224.4898% | 82 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1668% | 5,678 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.1638% | 4,564 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 26.6319% | 7,271 |
| Net loans and leases to deposits | 29.4576% | 7,313 |
| Net loans and leases to core deposits | 29.4576% | 7,325 |
| Total domestic deposits to total assets | 90.4078% | 754 |
| Equity capital to assets | 9.1651% | 5,330 |
| Core capital (leverage) ratio | 9.1456% | 4,493 |
| Tier 1 risk-based capital ratio | 19.9119% | 1,626 |
| Total risk-based capital ratio | 20.6315% | 1,717 |
| Memoranda: | ||
| Average total assets | $20,295,330 | 7,343 |
| Average earning assets | $17,291,330 | 7,344 |
| Average equity | $1,987,000 | 7,348 |
| Average total loans | $6,265,000 | 7,378 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2228% | 6,228 |
| Cost of funding earning assets | 0.4846% | 7,027 |
| Net interest margin | 3.7382% | 3,899 |
| Noninterest income to average assets | 0.8490% | 1,858 |
| Noninterest expense to average assets | 3.7395% | 1,460 |
| Loan and lease loss provision to assets | 0.0404% | 5,488 |
| Net operating income to assets | 0.3436% | 5,203 |
| Return on assets (ROA) | 0.3436% | 5,283 |
| Pretax return on assets | 0.3436% | 5,529 |
| Return on Equity (ROE) | 3.3932% | 5,201 |
| Retained earnings to average equity (ytd only) | 3.3932% | 4,158 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.6863% | 1,268 |
| Assets per employee ($millions) | 3.3795% | 5,297 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9904% | 6,431 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.2231% | 4,509 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 32.5393% | 7,145 |
| Net loans and leases to deposits | 36.2747% | 7,221 |
| Net loans and leases to core deposits | 36.2747% | 7,257 |
| Total domestic deposits to total assets | 89.7026% | 1,354 |
| Equity capital to assets | 9.9719% | 3,810 |
| Core capital (leverage) ratio | 9.9706% | 3,176 |
| Tier 1 risk-based capital ratio | 19.2811% | 1,739 |
| Total risk-based capital ratio | 19.9401% | 1,852 |
| Memoranda: | ||
| Average total assets | $19,788,500 | 7,411 |
| Average earning assets | $17,334,500 | 7,401 |
| Average equity | $2,004,000 | 7,394 |
| Average total loans | $6,526,500 | 7,429 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7265% | 5,704 |
| Cost of funding earning assets | 0.5830% | 7,158 |
| Net interest margin | 4.1435% | 2,396 |
| Noninterest income to average assets | 0.9695% | 1,608 |
| Noninterest expense to average assets | 3.7994% | 1,489 |
| Loan and lease loss provision to assets | 0.0394% | 6,762 |
| Net operating income to assets | 0.6508% | 3,438 |
| Return on assets (ROA) | 0.7973% | 2,951 |
| Pretax return on assets | 0.8563% | 3,452 |
| Return on Equity (ROE) | 8.2342% | 2,607 |
| Retained earnings to average equity (ytd only) | 1.6265% | 4,705 |
| Net charge-offs to loans | 0.5864% | 3,277 |
| Credit loss provision to net charge-offs | 20.5128% | 6,554 |
| Earnings coverage of net charge-offs (x) | 3.8462% | 3,165 |
| Efficiency ratio | 83.7310% | 1,951 |
| Assets per employee ($millions) | 2.7571% | 6,597 |
| Cash dividends to net income (ytd only)* | 80.2469% | 840 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0017% | 6,378 |
| Loan loss allowance to noncurrent loans | 6,400.0000% | 84 |
| Noncurrent assets plus other real estate owned to assets | 1.2902% | 4,451 |
| Noncurrent loans to loans | 0.0157% | 7,112 |
| Net loans and leases to total assets | 32.7720% | 7,266 |
| Net loans and leases to deposits | 36.6263% | 7,333 |
| Net loans and leases to core deposits | 37.1643% | 7,370 |
| Total domestic deposits to total assets | 89.4767% | 1,392 |
| Equity capital to assets | 10.2902% | 3,396 |
| Core capital (leverage) ratio | 9.2818% | 4,039 |
| Tier 1 risk-based capital ratio | 19.5566% | 1,584 |
| Total risk-based capital ratio | 20.2105% | 1,696 |
| Memoranda: | ||
| Average total assets | $20,318,800 | 7,460 |
| Average earning assets | $17,497,200 | 7,462 |
| Average equity | $1,967,400 | 7,506 |
| Average total loans | $6,651,000 | 7,506 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7956% | 5,677 |
| Cost of funding earning assets | 0.6033% | 7,283 |
| Net interest margin | 4.1923% | 2,244 |
| Noninterest income to average assets | 0.9397% | 1,649 |
| Noninterest expense to average assets | 3.8171% | 1,350 |
| Loan and lease loss provision to assets | 0.0259% | 6,811 |
| Net operating income to assets | 0.6107% | 3,832 |
| Return on assets (ROA) | 0.8036% | 3,138 |
| Pretax return on assets | 0.8619% | 3,694 |
| Return on Equity (ROE) | 8.4234% | 2,729 |
| Retained earnings to average equity (ytd only) | -0.4076% | 5,894 |
| Net charge-offs to loans | 0.7742% | 2,498 |
| Credit loss provision to net charge-offs | 10.2564% | 6,335 |
| Earnings coverage of net charge-offs (x) | 2.6923% | 3,801 |
| Efficiency ratio | 84.8703% | 1,742 |
| Assets per employee ($millions) | 2.9000% | 6,377 |
| Cash dividends to net income (ytd only)* | 104.8388% | 315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8748% | 6,822 |
| Loan loss allowance to noncurrent loans | 93.7500% | 2,947 |
| Noncurrent assets plus other real estate owned to assets | 1.5369% | 4,141 |
| Noncurrent loans to loans | 0.9331% | 5,365 |
| Net loans and leases to total assets | 33.4926% | 7,365 |
| Net loans and leases to deposits | 37.5801% | 7,432 |
| Net loans and leases to core deposits | 37.5801% | 7,471 |
| Total domestic deposits to total assets | 89.1232% | 1,331 |
| Equity capital to assets | 9.9507% | 4,218 |
| Core capital (leverage) ratio | 9.4674% | 3,950 |
| Tier 1 risk-based capital ratio | 20.4645% | 1,454 |
| Total risk-based capital ratio | 21.1186% | 1,541 |
| Memoranda: | ||
| Average total assets | $20,573,500 | 7,548 |
| Average earning assets | $17,460,000 | 7,562 |
| Average equity | $1,962,750 | 7,602 |
| Average total loans | $6,716,500 | 7,604 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8349% | 5,663 |
| Cost of funding earning assets | 0.6187% | 7,367 |
| Net interest margin | 4.2162% | 2,105 |
| Noninterest income to average assets | 0.9582% | 1,485 |
| Noninterest expense to average assets | 3.8326% | 1,302 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.6345% | 3,712 |
| Return on assets (ROA) | 0.9194% | 2,578 |
| Pretax return on assets | 0.9969% | 3,126 |
| Return on Equity (ROE) | 9.7753% | 2,184 |
| Retained earnings to average equity (ytd only) | -3.6014% | 6,387 |
| Net charge-offs to loans | 1.1396% | 1,667 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 1.8684% | 4,119 |
| Efficiency ratio | 84.7966% | 1,836 |
| Assets per employee ($millions) | 2.8530% | 6,446 |
| Cash dividends to net income (ytd only)* | 136.8421% | 212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8528% | 6,895 |
| Loan loss allowance to noncurrent loans | 300.0000% | 965 |
| Noncurrent assets plus other real estate owned to assets | 0.0951% | 7,160 |
| Noncurrent loans to loans | 0.2843% | 6,665 |
| Net loans and leases to total assets | 33.1831% | 7,446 |
| Net loans and leases to deposits | 36.9893% | 7,512 |
| Net loans and leases to core deposits | 37.5127% | 7,541 |
| Total domestic deposits to total assets | 89.7101% | 1,070 |
| Equity capital to assets | 9.6640% | 4,445 |
| Core capital (leverage) ratio | 8.6523% | 5,152 |
| Tier 1 risk-based capital ratio | 21.1097% | 1,320 |
| Total risk-based capital ratio | 21.7605% | 1,398 |
| Memoranda: | ||
| Average total assets | $20,664,670 | 7,612 |
| Average earning assets | $17,456,330 | 7,626 |
| Average equity | $1,943,670 | 7,671 |
| Average total loans | $6,669,000 | 7,670 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9189% | 5,369 |
| Cost of funding earning assets | 0.6376% | 7,477 |
| Net interest margin | 4.2812% | 1,750 |
| Noninterest income to average assets | 0.7615% | 2,220 |
| Noninterest expense to average assets | 3.7503% | 1,414 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.5437% | 4,159 |
| Return on assets (ROA) | 1.1042% | 1,903 |
| Pretax return on assets | 1.1993% | 2,363 |
| Return on Equity (ROE) | 11.8944% | 1,527 |
| Retained earnings to average equity (ytd only) | -14.7654% | 7,201 |
| Net charge-offs to loans | 0.0600% | 4,814 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 31.0000% | 848 |
| Efficiency ratio | 86.4035% | 1,749 |
| Assets per employee ($millions) | 3.2051% | 5,758 |
| Cash dividends to net income (ytd only)* | 224.1379% | 155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4594% | 4,133 |
| Loan loss allowance to noncurrent loans | 2,350.0000% | 159 |
| Noncurrent assets plus other real estate owned to assets | 0.0178% | 7,453 |
| Noncurrent loans to loans | 0.0621% | 7,245 |
| Net loans and leases to total assets | 28.2894% | 7,666 |
| Net loans and leases to deposits | 31.0686% | 7,714 |
| Net loans and leases to core deposits | 31.0686% | 7,731 |
| Total domestic deposits to total assets | 91.0546% | 519 |
| Equity capital to assets | 8.4641% | 6,052 |
| Core capital (leverage) ratio | 8.7981% | 4,856 |
| Tier 1 risk-based capital ratio | 20.1581% | 1,493 |
| Total risk-based capital ratio | 21.2044% | 1,501 |
| Memoranda: | ||
| Average total assets | $21,011,500 | 7,699 |
| Average earning assets | $17,565,000 | 7,718 |
| Average equity | $1,950,500 | 7,752 |
| Average total loans | $6,661,500 | 7,769 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2541% | 5,392 |
| Cost of funding earning assets | 0.7351% | 7,648 |
| Net interest margin | 4.5190% | 1,142 |
| Noninterest income to average assets | 0.8400% | 2,229 |
| Noninterest expense to average assets | 3.6910% | 1,930 |
| Loan and lease loss provision to assets | 0.0099% | 7,378 |
| Net operating income to assets | 0.9141% | 2,134 |
| Return on assets (ROA) | 0.9141% | 2,197 |
| Pretax return on assets | 1.2699% | 1,780 |
| Return on Equity (ROE) | 9.8604% | 1,732 |
| Retained earnings to average equity (ytd only) | 9.8604% | 384 |
| Net charge-offs to loans | -0.2997% | 7,927 |
| Credit loss provision to net charge-offs | -9.5238% | 7,352 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2545% | 3,845 |
| Assets per employee ($millions) | 2.7981% | 6,665 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3804% | 4,336 |
| Loan loss allowance to noncurrent loans | 69.8529% | 3,919 |
| Noncurrent assets plus other real estate owned to assets | 0.6943% | 5,715 |
| Noncurrent loans to loans | 1.9762% | 3,678 |
| Net loans and leases to total assets | 34.6505% | 7,573 |
| Net loans and leases to deposits | 38.8428% | 7,651 |
| Net loans and leases to core deposits | 43.1798% | 7,711 |
| Total domestic deposits to total assets | 89.2071% | 1,384 |
| Equity capital to assets | 10.2211% | 3,489 |
| Core capital (leverage) ratio | 9.2417% | 4,068 |
| Tier 1 risk-based capital ratio | 19.5819% | 1,550 |
| Total risk-based capital ratio | 20.5699% | 1,549 |
| Memoranda: | ||
| Average total assets | $20,238,600 | 7,766 |
| Average earning assets | $18,499,800 | 7,745 |
| Average equity | $1,876,200 | 7,865 |
| Average total loans | $7,007,200 | 7,825 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3084% | 5,382 |
| Cost of funding earning assets | 0.7625% | 7,749 |
| Net interest margin | 4.5460% | 1,080 |
| Noninterest income to average assets | 0.7908% | 2,478 |
| Noninterest expense to average assets | 3.6728% | 1,881 |
| Loan and lease loss provision to assets | 0.0131% | 7,203 |
| Net operating income to assets | 0.8300% | 2,695 |
| Return on assets (ROA) | 0.8300% | 2,756 |
| Pretax return on assets | 1.2352% | 2,148 |
| Return on Equity (ROE) | 9.1790% | 2,198 |
| Retained earnings to average equity (ytd only) | 9.1790% | 798 |
| Net charge-offs to loans | -0.3978% | 8,013 |
| Credit loss provision to net charge-offs | -9.5238% | 7,170 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6348% | 3,757 |
| Assets per employee ($millions) | 3.0169% | 6,119 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3546% | 4,175 |
| Loan loss allowance to noncurrent loans | 51.6304% | 4,868 |
| Noncurrent assets plus other real estate owned to assets | 0.8713% | 5,340 |
| Noncurrent loans to loans | 2.6237% | 2,882 |
| Net loans and leases to total assets | 32.7588% | 7,724 |
| Net loans and leases to deposits | 36.3684% | 7,811 |
| Net loans and leases to core deposits | 40.0602% | 7,849 |
| Total domestic deposits to total assets | 90.0748% | 739 |
| Equity capital to assets | 9.1012% | 5,335 |
| Core capital (leverage) ratio | 8.8237% | 4,939 |
| Tier 1 risk-based capital ratio | 21.8328% | 1,240 |
| Total risk-based capital ratio | 22.9693% | 1,241 |
| Memoranda: | ||
| Average total assets | $20,401,500 | 7,837 |
| Average earning assets | $18,536,250 | 7,820 |
| Average equity | $1,844,750 | 7,949 |
| Average total loans | $7,038,500 | 7,900 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4979% | 4,648 |
| Cost of funding earning assets | 0.7916% | 7,828 |
| Net interest margin | 4.7063% | 792 |
| Noninterest income to average assets | 0.7737% | 2,562 |
| Noninterest expense to average assets | 3.6602% | 1,921 |
| Loan and lease loss provision to assets | 0.0198% | 7,029 |
| Net operating income to assets | 0.9126% | 2,406 |
| Return on assets (ROA) | 0.9126% | 2,502 |
| Pretax return on assets | 1.3986% | 1,729 |
| Return on Equity (ROE) | 10.1154% | 1,983 |
| Retained earnings to average equity (ytd only) | 10.1154% | 713 |
| Net charge-offs to loans | -0.6244% | 8,115 |
| Credit loss provision to net charge-offs | -9.0909% | 6,888 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0703% | 4,398 |
| Assets per employee ($millions) | 2.7430% | 6,749 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3881% | 3,792 |
| Loan loss allowance to noncurrent loans | 69.5652% | 3,955 |
| Noncurrent assets plus other real estate owned to assets | 0.7187% | 5,610 |
| Noncurrent loans to loans | 1.9954% | 3,530 |
| Net loans and leases to total assets | 35.5190% | 7,721 |
| Net loans and leases to deposits | 39.6696% | 7,827 |
| Net loans and leases to core deposits | 44.1681% | 7,867 |
| Total domestic deposits to total assets | 89.5370% | 1,029 |
| Equity capital to assets | 9.7235% | 4,314 |
| Core capital (leverage) ratio | 9.6689% | 3,676 |
| Tier 1 risk-based capital ratio | 17.5095% | 2,147 |
| Total risk-based capital ratio | 18.4486% | 2,176 |
| Memoranda: | ||
| Average total assets | $20,162,670 | 7,921 |
| Average earning assets | $18,443,330 | 7,904 |
| Average equity | $1,819,000 | 8,037 |
| Average total loans | $7,047,000 | 7,992 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3324% | 5,742 |
| Cost of funding earning assets | 0.8061% | 7,902 |
| Net interest margin | 4.5263% | 1,075 |
| Noninterest income to average assets | 0.7169% | 2,784 |
| Noninterest expense to average assets | 3.5653% | 1,945 |
| Loan and lease loss provision to assets | 0.0194% | 6,646 |
| Net operating income to assets | 0.8526% | 2,898 |
| Return on assets (ROA) | 0.8526% | 3,055 |
| Pretax return on assets | 1.3757% | 2,037 |
| Return on Equity (ROE) | 9.8050% | 2,397 |
| Retained earnings to average equity (ytd only) | 9.8050% | 1,247 |
| Net charge-offs to loans | 0.2250% | 3,292 |
| Credit loss provision to net charge-offs | 25.0000% | 5,008 |
| Earnings coverage of net charge-offs (x) | 18.0000% | 1,480 |
| Efficiency ratio | 71.8750% | 4,215 |
| Assets per employee ($millions) | 2.8909% | 6,435 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9783% | 6,322 |
| Loan loss allowance to noncurrent loans | 48.9362% | 5,254 |
| Noncurrent assets plus other real estate owned to assets | 0.6968% | 5,415 |
| Noncurrent loans to loans | 1.9991% | 3,261 |
| Net loans and leases to total assets | 34.5127% | 7,789 |
| Net loans and leases to deposits | 38.1660% | 7,893 |
| Net loans and leases to core deposits | 42.2019% | 7,940 |
| Total domestic deposits to total assets | 90.4280% | 624 |
| Equity capital to assets | 8.9593% | 5,402 |
| Core capital (leverage) ratio | 8.2286% | 6,043 |
| Tier 1 risk-based capital ratio | 19.3427% | 1,748 |
| Total risk-based capital ratio | 20.1088% | 1,801 |
| Memoranda: | ||
| Average total assets | $20,643,500 | 7,959 |
| Average earning assets | $19,353,500 | 7,925 |
| Average equity | $1,795,000 | 8,092 |
| Average total loans | $7,112,500 | 8,030 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7522% | 6,589 |
| Cost of funding earning assets | 1.2675% | 7,876 |
| Net interest margin | 4.4847% | 1,464 |
| Noninterest income to average assets | 0.8695% | 2,111 |
| Noninterest expense to average assets | 3.5432% | 2,281 |
| Loan and lease loss provision to assets | 0.2099% | 4,793 |
| Net operating income to assets | 0.8446% | 3,245 |
| Return on assets (ROA) | 0.8446% | 3,079 |
| Pretax return on assets | 1.2893% | 2,348 |
| Return on Equity (ROE) | 9.8485% | 2,317 |
| Retained earnings to average equity (ytd only) | 1.1072% | 4,567 |
| Net charge-offs to loans | 0.5286% | 2,250 |
| Credit loss provision to net charge-offs | 116.6667% | 4,624 |
| Earnings coverage of net charge-offs (x) | 8.3333% | 2,899 |
| Efficiency ratio | 70.2676% | 4,299 |
| Assets per employee ($millions) | 3.0073% | 6,046 |
| Cash dividends to net income (ytd only)* | 88.7574% | 1,341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0039% | 6,014 |
| Loan loss allowance to noncurrent loans | 49.3151% | 5,536 |
| Noncurrent assets plus other real estate owned to assets | 0.6936% | 5,140 |
| Noncurrent loans to loans | 2.0357% | 2,718 |
| Net loans and leases to total assets | 33.7276% | 7,901 |
| Net loans and leases to deposits | 37.0854% | 7,994 |
| Net loans and leases to core deposits | 41.0523% | 8,034 |
| Total domestic deposits to total assets | 90.9458% | 345 |
| Equity capital to assets | 8.4414% | 6,183 |
| Core capital (leverage) ratio | 8.1111% | 6,307 |
| Tier 1 risk-based capital ratio | 18.2003% | 1,994 |
| Total risk-based capital ratio | 18.9725% | 2,050 |
| Memoranda: | ||
| Average total assets | $20,010,400 | 8,012 |
| Average earning assets | $18,619,000 | 7,984 |
| Average equity | $1,716,000 | 8,179 |
| Average total loans | $6,810,200 | 8,088 |