Home > Florida Shores Bank - Southeast > Performance and Condition Ratios
Florida Shores Bank - Southeast, Performance and Condition Ratios
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4844% | 2,271 |
| Cost of funding earning assets | 0.5963% | 2,695 |
| Net interest margin | 3.8881% | 2,333 |
| Noninterest income to average assets | 0.1839% | 5,990 |
| Noninterest expense to average assets | 3.6726% | 1,329 |
| Loan and lease loss provision to assets | 0.5699% | 454 |
| Net operating income to assets | -0.4790% | 6,487 |
| Return on assets (ROA) | -0.4943% | 6,504 |
| Pretax return on assets | -0.4943% | 6,485 |
| Return on Equity (ROE) | -6.0869% | 6,509 |
| Retained earnings to average equity (ytd only) | -6.5038% | 6,435 |
| Net charge-offs to loans | 1.7947% | 228 |
| Credit loss provision to net charge-offs | 44.8689% | 3,943 |
| Earnings coverage of net charge-offs (x) | 0.0715% | 5,066 |
| Efficiency ratio | 96.7166% | 599 |
| Assets per employee ($millions) | 6.6775% | 904 |
| Cash dividends to net income (ytd only)* | -6.8493% | 6,761 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6730% | 2,490 |
| Loan loss allowance to noncurrent loans | 97.9850% | 3,667 |
| Noncurrent assets plus other real estate owned to assets | 1.9942% | 1,801 |
| Noncurrent loans to loans | 1.7074% | 2,349 |
| Net loans and leases to total assets | 73.6176% | 1,417 |
| Net loans and leases to deposits | 80.4950% | 2,387 |
| Net loans and leases to core deposits | 88.9989% | 2,135 |
| Total domestic deposits to total assets | 91.4561% | 416 |
| Equity capital to assets | 8.2594% | 5,815 |
| Core capital (leverage) ratio | 8.4012% | 5,781 |
| Tier 1 risk-based capital ratio | 10.6548% | 6,313 |
| Total risk-based capital ratio | 11.9088% | 6,267 |
| Memoranda: | ||
| Average total assets | $177,231,000 | 3,303 |
| Average earning assets | $163,165,200 | 3,299 |
| Average equity | $14,391,600 | 3,990 |
| Average total loans | $125,424,000 | 2,929 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4742% | 2,330 |
| Cost of funding earning assets | 0.6064% | 2,760 |
| Net interest margin | 3.8678% | 2,389 |
| Noninterest income to average assets | 0.1713% | 6,159 |
| Noninterest expense to average assets | 3.5972% | 1,404 |
| Loan and lease loss provision to assets | 0.9254% | 191 |
| Net operating income to assets | -0.7853% | 6,667 |
| Return on assets (ROA) | -0.7853% | 6,674 |
| Pretax return on assets | -0.7853% | 6,657 |
| Return on Equity (ROE) | -9.7092% | 6,685 |
| Retained earnings to average equity (ytd only) | -10.1218% | 6,642 |
| Net charge-offs to loans | 2.6319% | 111 |
| Credit loss provision to net charge-offs | 50.3632% | 3,487 |
| Earnings coverage of net charge-offs (x) | 0.0763% | 4,831 |
| Efficiency ratio | 95.3968% | 656 |
| Assets per employee ($millions) | 6.4546% | 951 |
| Cash dividends to net income (ytd only)* | -4.2494% | 6,854 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6256% | 2,896 |
| Loan loss allowance to noncurrent loans | 82.0843% | 3,985 |
| Noncurrent assets plus other real estate owned to assets | 1.4701% | 2,735 |
| Noncurrent loans to loans | 1.9804% | 2,273 |
| Net loans and leases to total assets | 73.0237% | 1,451 |
| Net loans and leases to deposits | 79.5243% | 2,478 |
| Net loans and leases to core deposits | 87.4815% | 2,234 |
| Total domestic deposits to total assets | 91.8256% | 277 |
| Equity capital to assets | 7.8818% | 6,220 |
| Core capital (leverage) ratio | 8.1009% | 6,152 |
| Tier 1 risk-based capital ratio | 10.3017% | 6,508 |
| Total risk-based capital ratio | 11.5526% | 6,475 |
| Memoranda: | ||
| Average total assets | $179,804,500 | 3,297 |
| Average earning assets | $165,775,500 | 3,301 |
| Average equity | $14,542,500 | 4,002 |
| Average total loans | $125,533,500 | 2,952 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4755% | 2,289 |
| Cost of funding earning assets | 0.6219% | 2,755 |
| Net interest margin | 3.8536% | 2,364 |
| Noninterest income to average assets | 0.1641% | 6,235 |
| Noninterest expense to average assets | 3.5431% | 1,516 |
| Loan and lease loss provision to assets | 0.5505% | 482 |
| Net operating income to assets | -0.3887% | 6,598 |
| Return on assets (ROA) | -0.3887% | 6,620 |
| Pretax return on assets | -0.3887% | 6,590 |
| Return on Equity (ROE) | -4.7666% | 6,635 |
| Retained earnings to average equity (ytd only) | -5.1717% | 6,470 |
| Net charge-offs to loans | 3.0099% | 99 |
| Credit loss provision to net charge-offs | 26.7380% | 3,637 |
| Earnings coverage of net charge-offs (x) | 0.0786% | 4,519 |
| Efficiency ratio | 94.7697% | 721 |
| Assets per employee ($millions) | 6.3741% | 971 |
| Cash dividends to net income (ytd only)* | -8.4986% | 6,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5762% | 3,238 |
| Loan loss allowance to noncurrent loans | 55.5367% | 4,984 |
| Noncurrent assets plus other real estate owned to assets | 3.3585% | 1,162 |
| Noncurrent loans to loans | 2.8382% | 1,592 |
| Net loans and leases to total assets | 68.6085% | 2,124 |
| Net loans and leases to deposits | 74.7255% | 3,050 |
| Net loans and leases to core deposits | 82.8736% | 2,711 |
| Total domestic deposits to total assets | 91.8140% | 287 |
| Equity capital to assets | 7.9081% | 6,263 |
| Core capital (leverage) ratio | 8.1624% | 6,046 |
| Tier 1 risk-based capital ratio | 11.1355% | 6,275 |
| Total risk-based capital ratio | 12.3891% | 6,251 |
| Memoranda: | ||
| Average total assets | $181,647,670 | 3,295 |
| Average earning assets | $166,909,330 | 3,303 |
| Average equity | $14,811,330 | 3,983 |
| Average total loans | $124,256,330 | 2,984 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4679% | 2,280 |
| Cost of funding earning assets | 0.6413% | 2,731 |
| Net interest margin | 3.8266% | 2,355 |
| Noninterest income to average assets | 0.1899% | 6,111 |
| Noninterest expense to average assets | 3.4120% | 1,807 |
| Loan and lease loss provision to assets | 0.0437% | 3,873 |
| Net operating income to assets | 0.2510% | 5,722 |
| Return on assets (ROA) | 0.2510% | 5,843 |
| Pretax return on assets | 0.2510% | 5,955 |
| Return on Equity (ROE) | 3.0343% | 5,576 |
| Retained earnings to average equity (ytd only) | 2.6385% | 4,702 |
| Net charge-offs to loans | 4.5483% | 54 |
| Credit loss provision to net charge-offs | 1.4164% | 3,231 |
| Earnings coverage of net charge-offs (x) | 0.0956% | 3,788 |
| Efficiency ratio | 91.2250% | 1,051 |
| Assets per employee ($millions) | 6.7786% | 857 |
| Cash dividends to net income (ytd only)* | 13.0435% | 2,425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5550% | 3,593 |
| Loan loss allowance to noncurrent loans | 98.3773% | 3,401 |
| Noncurrent assets plus other real estate owned to assets | 2.4434% | 1,887 |
| Noncurrent loans to loans | 1.5806% | 3,160 |
| Net loans and leases to total assets | 67.1061% | 2,170 |
| Net loans and leases to deposits | 73.6616% | 2,968 |
| Net loans and leases to core deposits | 82.1746% | 2,548 |
| Total domestic deposits to total assets | 91.1005% | 486 |
| Equity capital to assets | 8.6137% | 5,903 |
| Core capital (leverage) ratio | 8.3448% | 5,764 |
| Tier 1 risk-based capital ratio | 11.4030% | 6,239 |
| Total risk-based capital ratio | 12.6568% | 6,209 |
| Memoranda: | ||
| Average total assets | $183,234,000 | 3,310 |
| Average earning assets | $168,400,000 | 3,304 |
| Average equity | $15,160,000 | 3,963 |
| Average total loans | $124,179,500 | 3,007 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4199% | 3,734 |
| Cost of funding earning assets | 0.7292% | 3,265 |
| Net interest margin | 3.6907% | 3,686 |
| Noninterest income to average assets | -0.0256% | 6,866 |
| Noninterest expense to average assets | 3.6164% | 1,573 |
| Loan and lease loss provision to assets | 0.8755% | 522 |
| Net operating income to assets | -1.1522% | 6,785 |
| Return on assets (ROA) | -1.1060% | 6,786 |
| Pretax return on assets | -1.1060% | 6,761 |
| Return on Equity (ROE) | -13.2911% | 6,799 |
| Retained earnings to average equity (ytd only) | -13.6716% | 6,746 |
| Net charge-offs to loans | 0.9191% | 1,225 |
| Credit loss provision to net charge-offs | 147.2897% | 1,849 |
| Earnings coverage of net charge-offs (x) | -0.4654% | 5,664 |
| Efficiency ratio | 107.3187% | 386 |
| Assets per employee ($millions) | 6.7943% | 861 |
| Cash dividends to net income (ytd only)* | -2.8629% | 7,014 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6958% | 926 |
| Loan loss allowance to noncurrent loans | 97.5981% | 3,388 |
| Noncurrent assets plus other real estate owned to assets | 3.2238% | 1,438 |
| Noncurrent loans to loans | 2.7621% | 1,914 |
| Net loans and leases to total assets | 65.5604% | 2,599 |
| Net loans and leases to deposits | 71.3977% | 3,511 |
| Net loans and leases to core deposits | 78.5167% | 3,196 |
| Total domestic deposits to total assets | 91.8243% | 277 |
| Equity capital to assets | 7.9342% | 6,440 |
| Core capital (leverage) ratio | 7.8330% | 6,325 |
| Tier 1 risk-based capital ratio | 10.4383% | 6,576 |
| Total risk-based capital ratio | 11.6992% | 6,545 |
| Memoranda: | ||
| Average total assets | $180,011,000 | 3,317 |
| Average earning assets | $164,144,000 | 3,320 |
| Average equity | $14,980,000 | 3,973 |
| Average total loans | $116,413,200 | 3,155 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4584% | 3,790 |
| Cost of funding earning assets | 0.7499% | 3,353 |
| Net interest margin | 3.7085% | 3,763 |
| Noninterest income to average assets | 0.0901% | 6,656 |
| Noninterest expense to average assets | 3.5075% | 1,737 |
| Loan and lease loss provision to assets | 0.3170% | 2,082 |
| Net operating income to assets | -0.3632% | 6,625 |
| Return on assets (ROA) | -0.3036% | 6,633 |
| Pretax return on assets | -0.3036% | 6,601 |
| Return on Equity (ROE) | -3.6059% | 6,655 |
| Retained earnings to average equity (ytd only) | -3.9771% | 6,549 |
| Net charge-offs to loans | 1.0528% | 1,000 |
| Credit loss provision to net charge-offs | 47.0718% | 4,467 |
| Earnings coverage of net charge-offs (x) | -0.0685% | 5,362 |
| Efficiency ratio | 100.4085% | 518 |
| Assets per employee ($millions) | 4.8757% | 2,347 |
| Cash dividends to net income (ytd only)* | -10.2943% | 7,133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8671% | 2,593 |
| Loan loss allowance to noncurrent loans | 58.9402% | 4,701 |
| Noncurrent assets plus other real estate owned to assets | 2.2073% | 2,422 |
| Noncurrent loans to loans | 3.1678% | 1,747 |
| Net loans and leases to total assets | 68.3777% | 2,236 |
| Net loans and leases to deposits | 74.9922% | 3,148 |
| Net loans and leases to core deposits | 83.2387% | 2,790 |
| Total domestic deposits to total assets | 91.1796% | 366 |
| Equity capital to assets | 8.5310% | 6,235 |
| Core capital (leverage) ratio | 8.2862% | 6,034 |
| Tier 1 risk-based capital ratio | 10.8303% | 6,550 |
| Total risk-based capital ratio | 12.0939% | 6,523 |
| Memoranda: | ||
| Average total assets | $179,152,250 | 3,369 |
| Average earning assets | $162,863,250 | 3,375 |
| Average equity | $15,086,250 | 3,981 |
| Average total loans | $114,616,500 | 3,223 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4964% | 3,781 |
| Cost of funding earning assets | 0.7720% | 3,429 |
| Net interest margin | 3.7244% | 3,708 |
| Noninterest income to average assets | 0.1410% | 6,489 |
| Noninterest expense to average assets | 3.5785% | 1,623 |
| Loan and lease loss provision to assets | 0.0571% | 4,947 |
| Net operating income to assets | -0.0884% | 6,422 |
| Return on assets (ROA) | 0.0011% | 6,453 |
| Pretax return on assets | 0.0011% | 6,444 |
| Return on Equity (ROE) | 0.0133% | 6,454 |
| Retained earnings to average equity (ytd only) | -0.3470% | 6,095 |
| Net charge-offs to loans | 1.6841% | 545 |
| Credit loss provision to net charge-offs | 5.4604% | 4,781 |
| Earnings coverage of net charge-offs (x) | -0.0300% | 5,101 |
| Efficiency ratio | 99.9685% | 563 |
| Assets per employee ($millions) | 4.5573% | 2,795 |
| Cash dividends to net income (ytd only)* | 2,700.0000% | 3 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6099% | 3,571 |
| Loan loss allowance to noncurrent loans | 50.6781% | 5,087 |
| Noncurrent assets plus other real estate owned to assets | 2.2738% | 2,461 |
| Noncurrent loans to loans | 3.1766% | 1,837 |
| Net loans and leases to total assets | 70.4252% | 1,844 |
| Net loans and leases to deposits | 78.0640% | 2,658 |
| Net loans and leases to core deposits | 83.8536% | 2,709 |
| Total domestic deposits to total assets | 90.2147% | 807 |
| Equity capital to assets | 9.1804% | 5,483 |
| Core capital (leverage) ratio | 8.4803% | 5,672 |
| Tier 1 risk-based capital ratio | 11.2494% | 6,369 |
| Total risk-based capital ratio | 12.5088% | 6,344 |
| Memoranda: | ||
| Average total assets | $178,736,000 | 3,372 |
| Average earning assets | $163,464,670 | 3,369 |
| Average equity | $14,985,000 | 3,991 |
| Average total loans | $110,921,670 | 3,311 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3600% | 4,478 |
| Cost of funding earning assets | 0.8419% | 3,134 |
| Net interest margin | 3.5181% | 4,601 |
| Noninterest income to average assets | 0.1415% | 6,529 |
| Noninterest expense to average assets | 3.4452% | 1,894 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -0.1023% | 6,541 |
| Return on assets (ROA) | -0.1023% | 6,622 |
| Pretax return on assets | -0.1023% | 6,601 |
| Return on Equity (ROE) | -1.2757% | 6,640 |
| Retained earnings to average equity (ytd only) | -1.6014% | 6,227 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.1484% | 493 |
| Assets per employee ($millions) | 4.9148% | 2,365 |
| Cash dividends to net income (ytd only)* | -25.5319% | 7,275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6100% | 1,211 |
| Loan loss allowance to noncurrent loans | 59.7210% | 4,543 |
| Noncurrent assets plus other real estate owned to assets | 2.5337% | 2,339 |
| Noncurrent loans to loans | 4.3704% | 1,358 |
| Net loans and leases to total assets | 56.4611% | 4,302 |
| Net loans and leases to deposits | 61.8379% | 4,943 |
| Net loans and leases to core deposits | 74.4087% | 3,847 |
| Total domestic deposits to total assets | 91.3051% | 437 |
| Equity capital to assets | 8.1504% | 6,411 |
| Core capital (leverage) ratio | 8.1161% | 6,137 |
| Tier 1 risk-based capital ratio | 12.0324% | 5,938 |
| Total risk-based capital ratio | 13.3004% | 5,908 |
| Memoranda: | ||
| Average total assets | $183,794,000 | 3,323 |
| Average earning assets | $167,247,000 | 3,329 |
| Average equity | $14,737,500 | 4,046 |
| Average total loans | $106,035,500 | 3,457 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9768% | 2,988 |
| Cost of funding earning assets | 1.1174% | 2,556 |
| Net interest margin | 3.8594% | 3,517 |
| Noninterest income to average assets | 0.1578% | 6,356 |
| Noninterest expense to average assets | 3.8749% | 1,221 |
| Loan and lease loss provision to assets | 2.0291% | 290 |
| Net operating income to assets | -2.1607% | 7,053 |
| Return on assets (ROA) | -2.1211% | 7,061 |
| Pretax return on assets | -2.1211% | 7,055 |
| Return on Equity (ROE) | -23.6229% | 7,035 |
| Retained earnings to average equity (ytd only) | -23.7650% | 7,024 |
| Net charge-offs to loans | 1.7036% | 894 |
| Credit loss provision to net charge-offs | 175.0869% | 1,504 |
| Earnings coverage of net charge-offs (x) | -0.1136% | 5,901 |
| Efficiency ratio | 102.8341% | 597 |
| Assets per employee ($millions) | 5.3184% | 1,814 |
| Cash dividends to net income (ytd only)* | -0.6015% | 7,230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7226% | 1,062 |
| Loan loss allowance to noncurrent loans | 57.4975% | 4,639 |
| Noncurrent assets plus other real estate owned to assets | 2.7181% | 2,237 |
| Noncurrent loans to loans | 4.7352% | 1,236 |
| Net loans and leases to total assets | 55.8388% | 4,739 |
| Net loans and leases to deposits | 60.9693% | 5,370 |
| Net loans and leases to core deposits | 67.0314% | 5,153 |
| Total domestic deposits to total assets | 91.5852% | 309 |
| Equity capital to assets | 7.8823% | 6,645 |
| Core capital (leverage) ratio | 8.4084% | 5,704 |
| Tier 1 risk-based capital ratio | 12.1122% | 5,754 |
| Total risk-based capital ratio | 13.3784% | 5,724 |
| Memoranda: | ||
| Average total assets | $148,933,800 | 3,823 |
| Average earning assets | $138,362,400 | 3,779 |
| Average equity | $13,372,600 | 4,264 |
| Average total loans | $101,316,800 | 3,586 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2833% | 1,931 |
| Cost of funding earning assets | 1.2014% | 2,308 |
| Net interest margin | 4.0819% | 2,542 |
| Noninterest income to average assets | 0.0728% | 6,871 |
| Noninterest expense to average assets | 3.9575% | 1,059 |
| Loan and lease loss provision to assets | 1.3819% | 532 |
| Net operating income to assets | -1.4841% | 7,037 |
| Return on assets (ROA) | -1.4273% | 7,039 |
| Pretax return on assets | -1.4273% | 7,000 |
| Return on Equity (ROE) | -15.2971% | 7,022 |
| Retained earnings to average equity (ytd only) | -15.3579% | 6,998 |
| Net charge-offs to loans | 1.7345% | 793 |
| Credit loss provision to net charge-offs | 111.5267% | 2,942 |
| Earnings coverage of net charge-offs (x) | -0.0824% | 5,648 |
| Efficiency ratio | 101.9872% | 608 |
| Assets per employee ($millions) | 5.1351% | 2,015 |
| Cash dividends to net income (ytd only)* | -0.3976% | 7,330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6647% | 3,396 |
| Loan loss allowance to noncurrent loans | 145.1641% | 2,099 |
| Noncurrent assets plus other real estate owned to assets | 0.7517% | 5,278 |
| Noncurrent loans to loans | 1.1468% | 4,625 |
| Net loans and leases to total assets | 64.4588% | 3,216 |
| Net loans and leases to deposits | 72.4078% | 3,915 |
| Net loans and leases to core deposits | 81.8018% | 3,356 |
| Total domestic deposits to total assets | 89.0219% | 1,423 |
| Equity capital to assets | 10.3796% | 3,854 |
| Core capital (leverage) ratio | 10.5816% | 2,779 |
| Tier 1 risk-based capital ratio | 14.2359% | 4,172 |
| Total risk-based capital ratio | 15.4899% | 4,134 |
| Memoranda: | ||
| Average total assets | $140,961,250 | 3,975 |
| Average earning assets | $130,621,000 | 3,944 |
| Average equity | $13,152,500 | 4,314 |
| Average total loans | $100,697,000 | 3,631 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4350% | 1,461 |
| Cost of funding earning assets | 1.2164% | 2,466 |
| Net interest margin | 4.2186% | 1,962 |
| Noninterest income to average assets | 0.0776% | 6,936 |
| Noninterest expense to average assets | 4.0689% | 947 |
| Loan and lease loss provision to assets | 0.6018% | 1,602 |
| Net operating income to assets | -0.6882% | 6,808 |
| Return on assets (ROA) | -0.6882% | 6,815 |
| Pretax return on assets | -0.6882% | 6,758 |
| Return on Equity (ROE) | -7.7007% | 6,853 |
| Retained earnings to average equity (ytd only) | -7.7007% | 6,756 |
| Net charge-offs to loans | 0.2187% | 3,816 |
| Credit loss provision to net charge-offs | 373.6364% | 819 |
| Earnings coverage of net charge-offs (x) | -0.5364% | 5,537 |
| Efficiency ratio | 101.5074% | 679 |
| Assets per employee ($millions) | 4.7299% | 2,504 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7797% | 3,063 |
| Loan loss allowance to noncurrent loans | 79.9214% | 3,528 |
| Noncurrent assets plus other real estate owned to assets | 1.6702% | 3,674 |
| Noncurrent loans to loans | 2.2268% | 3,195 |
| Net loans and leases to total assets | 73.6708% | 1,481 |
| Net loans and leases to deposits | 81.6621% | 2,498 |
| Net loans and leases to core deposits | 91.6264% | 2,180 |
| Total domestic deposits to total assets | 90.2141% | 855 |
| Equity capital to assets | 8.7973% | 5,817 |
| Core capital (leverage) ratio | 8.6447% | 5,316 |
| Tier 1 risk-based capital ratio | 10.4029% | 6,825 |
| Total risk-based capital ratio | 11.6586% | 6,820 |
| Memoranda: | ||
| Average total assets | $136,597,670 | 4,096 |
| Average earning assets | $126,440,330 | 4,059 |
| Average equity | $12,206,670 | 4,506 |
| Average total loans | $100,602,330 | 3,670 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3952% | 1,574 |
| Cost of funding earning assets | 1.2074% | 2,772 |
| Net interest margin | 4.1879% | 1,931 |
| Noninterest income to average assets | 0.0851% | 6,983 |
| Noninterest expense to average assets | 3.8089% | 1,324 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.1643% | 5,904 |
| Return on assets (ROA) | 0.1643% | 5,953 |
| Pretax return on assets | 0.1643% | 6,019 |
| Return on Equity (ROE) | 1.8246% | 5,852 |
| Retained earnings to average equity (ytd only) | 1.8246% | 5,018 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.1994% | 971 |
| Assets per employee ($millions) | 6.3647% | 994 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5629% | 3,902 |
| Loan loss allowance to noncurrent loans | 136.3636% | 2,174 |
| Noncurrent assets plus other real estate owned to assets | 0.8394% | 5,226 |
| Noncurrent loans to loans | 1.1461% | 4,782 |
| Net loans and leases to total assets | 72.0991% | 1,701 |
| Net loans and leases to deposits | 80.2978% | 2,663 |
| Net loans and leases to core deposits | 89.2130% | 2,454 |
| Total domestic deposits to total assets | 89.7897% | 1,295 |
| Equity capital to assets | 9.2257% | 4,840 |
| Core capital (leverage) ratio | 9.0628% | 4,502 |
| Tier 1 risk-based capital ratio | 11.2045% | 6,345 |
| Total risk-based capital ratio | 12.4571% | 6,316 |
| Memoranda: | ||
| Average total assets | $136,313,000 | 4,130 |
| Average earning assets | $126,556,500 | 4,096 |
| Average equity | $12,276,500 | 4,491 |
| Average total loans | $99,462,000 | 3,736 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4544% | 2,461 |
| Cost of funding earning assets | 1.4914% | 2,698 |
| Net interest margin | 3.9631% | 3,191 |
| Noninterest income to average assets | 0.1042% | 6,875 |
| Noninterest expense to average assets | 3.8705% | 1,363 |
| Loan and lease loss provision to assets | 0.7970% | 2,045 |
| Net operating income to assets | -0.8662% | 6,611 |
| Return on assets (ROA) | -0.8662% | 6,637 |
| Pretax return on assets | -0.8662% | 6,554 |
| Return on Equity (ROE) | -7.1113% | 6,562 |
| Retained earnings to average equity (ytd only) | -7.1113% | 6,462 |
| Net charge-offs to loans | 0.8224% | 2,579 |
| Credit loss provision to net charge-offs | 124.2245% | 3,316 |
| Earnings coverage of net charge-offs (x) | -0.1078% | 6,225 |
| Efficiency ratio | 101.7452% | 728 |
| Assets per employee ($millions) | 6.3167% | 1,032 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5144% | 3,927 |
| Loan loss allowance to noncurrent loans | 295.9381% | 1,037 |
| Noncurrent assets plus other real estate owned to assets | 0.3720% | 6,338 |
| Noncurrent loans to loans | 0.5117% | 6,012 |
| Net loans and leases to total assets | 71.5976% | 2,177 |
| Net loans and leases to deposits | 79.6575% | 3,236 |
| Net loans and leases to core deposits | 91.2892% | 2,575 |
| Total domestic deposits to total assets | 89.8818% | 1,175 |
| Equity capital to assets | 8.7949% | 5,439 |
| Core capital (leverage) ratio | 10.1478% | 2,930 |
| Tier 1 risk-based capital ratio | 11.1575% | 6,210 |
| Total risk-based capital ratio | 12.4095% | 6,184 |
| Memoranda: | ||
| Average total assets | $105,516,000 | 4,837 |
| Average earning assets | $98,433,400 | 4,757 |
| Average equity | $12,852,800 | 4,385 |
| Average total loans | $82,319,800 | 4,266 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7132% | 1,677 |
| Cost of funding earning assets | 1.5683% | 2,556 |
| Net interest margin | 4.1448% | 2,430 |
| Noninterest income to average assets | 0.1139% | 6,977 |
| Noninterest expense to average assets | 3.8193% | 1,343 |
| Loan and lease loss provision to assets | 1.0993% | 1,324 |
| Net operating income to assets | -0.9456% | 6,870 |
| Return on assets (ROA) | -0.9456% | 6,913 |
| Pretax return on assets | -0.9456% | 6,832 |
| Return on Equity (ROE) | -7.0608% | 6,786 |
| Retained earnings to average equity (ytd only) | -7.0608% | 6,714 |
| Net charge-offs to loans | 1.0922% | 1,863 |
| Credit loss provision to net charge-offs | 125.9434% | 3,244 |
| Earnings coverage of net charge-offs (x) | 0.1761% | 5,843 |
| Efficiency ratio | 96.1313% | 896 |
| Assets per employee ($millions) | 4.6699% | 2,652 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7698% | 2,896 |
| Loan loss allowance to noncurrent loans | 149.5117% | 1,893 |
| Noncurrent assets plus other real estate owned to assets | 0.9967% | 5,094 |
| Noncurrent loans to loans | 1.1837% | 4,876 |
| Net loans and leases to total assets | 82.7141% | 429 |
| Net loans and leases to deposits | 95.7876% | 1,007 |
| Net loans and leases to core deposits | 112.3423% | 917 |
| Total domestic deposits to total assets | 86.3516% | 2,887 |
| Equity capital to assets | 12.3510% | 1,941 |
| Core capital (leverage) ratio | 12.3190% | 1,495 |
| Tier 1 risk-based capital ratio | 13.8873% | 3,923 |
| Total risk-based capital ratio | 15.1434% | 3,891 |
| Memoranda: | ||
| Average total assets | $97,153,250 | 5,135 |
| Average earning assets | $90,455,500 | 5,050 |
| Average equity | $13,010,500 | 4,436 |
| Average total loans | $77,643,000 | 4,479 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7205% | 1,685 |
| Cost of funding earning assets | 1.5883% | 2,722 |
| Net interest margin | 4.1322% | 2,417 |
| Noninterest income to average assets | 0.1133% | 7,036 |
| Noninterest expense to average assets | 3.8156% | 1,336 |
| Loan and lease loss provision to assets | 1.3369% | 1,016 |
| Net operating income to assets | -1.2005% | 7,028 |
| Return on assets (ROA) | -1.2005% | 7,046 |
| Pretax return on assets | -1.2005% | 6,973 |
| Return on Equity (ROE) | -8.7211% | 6,918 |
| Retained earnings to average equity (ytd only) | -8.7211% | 6,852 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.5481% | 942 |
| Assets per employee ($millions) | 6.2041% | 1,098 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5433% | 1,247 |
| Loan loss allowance to noncurrent loans | 137.0979% | 2,023 |
| Noncurrent assets plus other real estate owned to assets | 1.3852% | 4,403 |
| Noncurrent loans to loans | 1.8551% | 3,929 |
| Net loans and leases to total assets | 72.7721% | 2,217 |
| Net loans and leases to deposits | 84.0427% | 2,861 |
| Net loans and leases to core deposits | 98.5744% | 2,169 |
| Total domestic deposits to total assets | 86.5894% | 2,764 |
| Equity capital to assets | 12.1040% | 2,041 |
| Core capital (leverage) ratio | 12.8654% | 1,255 |
| Tier 1 risk-based capital ratio | 15.1359% | 3,088 |
| Total risk-based capital ratio | 16.3845% | 3,044 |
| Memoranda: | ||
| Average total assets | $95,292,000 | 5,212 |
| Average earning assets | $88,524,000 | 5,153 |
| Average equity | $13,117,670 | 4,409 |
| Average total loans | $74,687,670 | 4,614 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7081% | 1,747 |
| Cost of funding earning assets | 1.6577% | 2,611 |
| Net interest margin | 4.0505% | 2,647 |
| Noninterest income to average assets | 0.1242% | 7,063 |
| Noninterest expense to average assets | 3.9821% | 1,057 |
| Loan and lease loss provision to assets | 0.0399% | 6,273 |
| Net operating income to assets | -0.1596% | 6,494 |
| Return on assets (ROA) | -0.1596% | 6,567 |
| Pretax return on assets | -0.1596% | 6,515 |
| Return on Equity (ROE) | -1.0832% | 6,536 |
| Retained earnings to average equity (ytd only) | -1.0832% | 6,063 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.0999% | 748 |
| Assets per employee ($millions) | 4.2668% | 3,349 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8813% | 2,504 |
| Loan loss allowance to noncurrent loans | 136.2735% | 2,048 |
| Noncurrent assets plus other real estate owned to assets | 1.1261% | 4,905 |
| Noncurrent loans to loans | 1.3805% | 4,668 |
| Net loans and leases to total assets | 80.0339% | 844 |
| Net loans and leases to deposits | 95.5765% | 1,161 |
| Net loans and leases to core deposits | 117.8640% | 874 |
| Total domestic deposits to total assets | 83.7381% | 4,270 |
| Equity capital to assets | 14.8356% | 922 |
| Core capital (leverage) ratio | 14.2773% | 905 |
| Tier 1 risk-based capital ratio | 17.1903% | 2,201 |
| Total risk-based capital ratio | 18.4394% | 2,153 |
| Memoranda: | ||
| Average total assets | $90,203,500 | 5,444 |
| Average earning assets | $83,250,000 | 5,388 |
| Average equity | $13,293,500 | 4,411 |
| Average total loans | $72,654,000 | 4,758 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2527% | 5,401 |
| Cost of funding earning assets | 1.7873% | 4,055 |
| Net interest margin | 3.4653% | 5,108 |
| Noninterest income to average assets | 0.1036% | 7,251 |
| Noninterest expense to average assets | 4.5146% | 788 |
| Loan and lease loss provision to assets | 1.2905% | 1,795 |
| Net operating income to assets | -2.4630% | 7,256 |
| Return on assets (ROA) | -2.4990% | 7,266 |
| Pretax return on assets | -2.4990% | 7,142 |
| Return on Equity (ROE) | -12.2982% | 6,790 |
| Retained earnings to average equity (ytd only) | -12.2982% | 6,708 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 135.0839% | 425 |
| Assets per employee ($millions) | 6.9850% | 800 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8914% | 2,282 |
| Loan loss allowance to noncurrent loans | 289.4068% | 1,060 |
| Noncurrent assets plus other real estate owned to assets | 0.5198% | 6,154 |
| Noncurrent loans to loans | 0.6535% | 5,926 |
| Net loans and leases to total assets | 78.0298% | 1,375 |
| Net loans and leases to deposits | 92.9307% | 1,743 |
| Net loans and leases to core deposits | 139.8997% | 818 |
| Total domestic deposits to total assets | 83.9656% | 4,041 |
| Equity capital to assets | 14.6402% | 989 |
| Core capital (leverage) ratio | 15.3516% | 715 |
| Tier 1 risk-based capital ratio | 17.1386% | 2,119 |
| Total risk-based capital ratio | 18.3828% | 2,076 |
| Memoranda: | ||
| Average total assets | $69,507,600 | 6,019 |
| Average earning assets | $64,957,600 | 5,959 |
| Average equity | $14,124,000 | 4,225 |
| Average total loans | $52,888,600 | 5,550 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1954% | 5,898 |
| Cost of funding earning assets | 1.7362% | 4,719 |
| Net interest margin | 3.4592% | 5,035 |
| Noninterest income to average assets | 0.0686% | 7,569 |
| Noninterest expense to average assets | 4.8028% | 563 |
| Loan and lease loss provision to assets | 1.3607% | 1,416 |
| Net operating income to assets | -2.8376% | 7,553 |
| Return on assets (ROA) | -2.8896% | 7,562 |
| Pretax return on assets | -2.8896% | 7,470 |
| Return on Equity (ROE) | -12.9409% | 7,071 |
| Retained earnings to average equity (ytd only) | -12.9409% | 7,005 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 144.4097% | 343 |
| Assets per employee ($millions) | 5.6795% | 1,452 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9342% | 1,944 |
| Loan loss allowance to noncurrent loans | 226.6932% | 1,311 |
| Noncurrent assets plus other real estate owned to assets | 0.6313% | 5,871 |
| Noncurrent loans to loans | 0.8532% | 5,591 |
| Net loans and leases to total assets | 72.5630% | 2,899 |
| Net loans and leases to deposits | 89.2866% | 2,723 |
| Net loans and leases to core deposits | 132.8261% | 1,283 |
| Total domestic deposits to total assets | 81.2697% | 4,971 |
| Equity capital to assets | 17.1393% | 614 |
| Core capital (leverage) ratio | 18.9780% | 382 |
| Tier 1 risk-based capital ratio | 20.8464% | 1,389 |
| Total risk-based capital ratio | 22.1173% | 1,360 |
| Memoranda: | ||
| Average total assets | $64,183,250 | 6,245 |
| Average earning assets | $60,436,250 | 6,160 |
| Average equity | $14,331,500 | 4,222 |
| Average total loans | $48,055,500 | 5,799 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3084% | 5,622 |
| Cost of funding earning assets | 1.7815% | 4,851 |
| Net interest margin | 3.5269% | 4,671 |
| Noninterest income to average assets | 0.0508% | 7,733 |
| Noninterest expense to average assets | 5.1969% | 452 |
| Loan and lease loss provision to assets | 0.9175% | 1,839 |
| Net operating income to assets | -2.7593% | 7,619 |
| Return on assets (ROA) | -2.7593% | 7,614 |
| Pretax return on assets | -2.7593% | 7,493 |
| Return on Equity (ROE) | -11.1904% | 7,119 |
| Retained earnings to average equity (ytd only) | -11.1904% | 6,982 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 154.8940% | 348 |
| Assets per employee ($millions) | 4.4350% | 2,864 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4998% | 3,200 |
| Loan loss allowance to noncurrent loans | 156.5815% | 1,888 |
| Noncurrent assets plus other real estate owned to assets | 0.7651% | 5,485 |
| Noncurrent loans to loans | 0.9578% | 5,306 |
| Net loans and leases to total assets | 78.6832% | 1,596 |
| Net loans and leases to deposits | 100.2835% | 1,261 |
| Net loans and leases to core deposits | 156.3721% | 512 |
| Total domestic deposits to total assets | 78.4607% | 5,963 |
| Equity capital to assets | 21.2281% | 318 |
| Core capital (leverage) ratio | 22.1358% | 274 |
| Tier 1 risk-based capital ratio | 24.1910% | 1,014 |
| Total risk-based capital ratio | 25.4581% | 992 |
| Memoranda: | ||
| Average total assets | $59,073,330 | 6,478 |
| Average earning assets | $55,346,670 | 6,415 |
| Average equity | $14,566,000 | 4,190 |
| Average total loans | $44,462,330 | 6,004 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2800% | 5,979 |
| Cost of funding earning assets | 1.6877% | 5,647 |
| Net interest margin | 3.5922% | 4,345 |
| Noninterest income to average assets | 0.0361% | 7,897 |
| Noninterest expense to average assets | 5.3119% | 397 |
| Loan and lease loss provision to assets | 1.0913% | 1,201 |
| Net operating income to assets | -3.0137% | 7,848 |
| Return on assets (ROA) | -3.0137% | 7,848 |
| Pretax return on assets | -3.0137% | 7,761 |
| Return on Equity (ROE) | -11.2794% | 7,439 |
| Retained earnings to average equity (ytd only) | -11.2794% | 7,224 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 156.7164% | 324 |
| Assets per employee ($millions) | 3.9816% | 3,698 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4991% | 2,996 |
| Loan loss allowance to noncurrent loans | 129.6935% | 2,440 |
| Noncurrent assets plus other real estate owned to assets | 0.8740% | 5,002 |
| Noncurrent loans to loans | 1.1559% | 4,675 |
| Net loans and leases to total assets | 74.4793% | 2,623 |
| Net loans and leases to deposits | 105.9020% | 870 |
| Net loans and leases to core deposits | 163.9768% | 436 |
| Total domestic deposits to total assets | 70.3285% | 7,396 |
| Equity capital to assets | 24.3939% | 235 |
| Core capital (leverage) ratio | 26.6592% | 195 |
| Tier 1 risk-based capital ratio | 25.1260% | 972 |
| Total risk-based capital ratio | 26.2942% | 952 |
| Memoranda: | ||
| Average total assets | $55,347,500 | 6,655 |
| Average earning assets | $51,667,000 | 6,587 |
| Average equity | $14,788,000 | 4,179 |
| Average total loans | $40,123,000 | 6,234 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8664% | 7,917 |
| Cost of funding earning assets | 2.3695% | 4,855 |
| Net interest margin | 2.4969% | 7,758 |
| Noninterest income to average assets | 0.0524% | 7,880 |
| Noninterest expense to average assets | 6.8478% | 294 |
| Loan and lease loss provision to assets | 0.5995% | 2,427 |
| Net operating income to assets | -4.9831% | 8,087 |
| Return on assets (ROA) | -4.9717% | 8,075 |
| Pretax return on assets | -4.9717% | 8,025 |
| Return on Equity (ROE) | -17.8172% | 7,703 |
| Retained earnings to average equity (ytd only) | -17.8172% | 7,611 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 277.8908% | 120 |
| Assets per employee ($millions) | 3.3981% | 4,946 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4991% | 2,700 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 67.8052% | 4,490 |
| Net loans and leases to deposits | 106.9834% | 1,048 |
| Net loans and leases to core deposits | 145.1106% | 1,049 |
| Total domestic deposits to total assets | 63.3792% | 7,820 |
| Equity capital to assets | 29.4422% | 181 |
| Core capital (leverage) ratio | 33.1942% | 153 |
| Tier 1 risk-based capital ratio | 31.1314% | 581 |
| Total risk-based capital ratio | 32.2268% | 584 |
| Memoranda: | ||
| Average total assets | $43,868,000 | 7,032 |
| Average earning assets | $42,371,800 | 6,931 |
| Average equity | $12,241,000 | 4,768 |
| Average total loans | $23,687,200 | 7,093 |