| 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 | 4.0846% | 3,798 |
| Cost of funding earning assets | 0.8142% | 1,131 |
| Net interest margin | 3.2704% | 4,775 |
| Noninterest income to average assets | 0.1823% | 5,997 |
| Noninterest expense to average assets | 2.8088% | 3,692 |
| Loan and lease loss provision to assets | 0.2399% | 1,510 |
| Net operating income to assets | 0.1742% | 5,883 |
| Return on assets (ROA) | 0.1578% | 5,989 |
| Pretax return on assets | 0.1628% | 5,999 |
| Return on Equity (ROE) | 1.9365% | 5,863 |
| Retained earnings to average equity (ytd only) | 1.9365% | 4,856 |
| Net charge-offs to loans | 0.2717% | 2,340 |
| Credit loss provision to net charge-offs | 128.5461% | 1,828 |
| Earnings coverage of net charge-offs (x) | 2.2482% | 4,265 |
| Efficiency ratio | 87.0042% | 1,311 |
| Assets per employee ($millions) | 5.9057% | 1,333 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3121% | 4,085 |
| Loan loss allowance to noncurrent loans | 119.4667% | 3,170 |
| Noncurrent assets plus other real estate owned to assets | 1.5806% | 2,358 |
| Noncurrent loans to loans | 1.0983% | 3,336 |
| Net loans and leases to total assets | 69.8663% | 2,035 |
| Net loans and leases to deposits | 78.4852% | 2,659 |
| Net loans and leases to core deposits | 82.5034% | 2,837 |
| Total domestic deposits to total assets | 89.0185% | 1,607 |
| Equity capital to assets | 8.5891% | 5,487 |
| Core capital (leverage) ratio | 8.2903% | 5,888 |
| Tier 1 risk-based capital ratio | 15.6592% | 3,269 |
| Total risk-based capital ratio | 16.9301% | 3,221 |
| Memoranda: |
| Average total assets | $302,233,200 | 2,133 |
| Average earning assets | $281,494,400 | 2,102 |
| Average equity | $24,632,200 | 2,664 |
| Average total loans | $207,597,200 | 1,944 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0896% | 3,808 |
| Cost of funding earning assets | 0.8524% | 1,034 |
| Net interest margin | 3.2371% | 4,867 |
| Noninterest income to average assets | 0.1825% | 6,099 |
| Noninterest expense to average assets | 2.7627% | 3,782 |
| Loan and lease loss provision to assets | 0.2510% | 1,421 |
| Net operating income to assets | 0.1759% | 5,976 |
| Return on assets (ROA) | 0.1545% | 6,095 |
| Pretax return on assets | 0.1602% | 6,113 |
| Return on Equity (ROE) | 1.9205% | 5,966 |
| Retained earnings to average equity (ytd only) | 1.9205% | 5,168 |
| Net charge-offs to loans | 0.2772% | 2,164 |
| Credit loss provision to net charge-offs | 132.7945% | 1,778 |
| Earnings coverage of net charge-offs (x) | 2.2933% | 4,075 |
| Efficiency ratio | 86.4381% | 1,327 |
| Assets per employee ($millions) | 6.1429% | 1,139 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2879% | 4,459 |
| Loan loss allowance to noncurrent loans | 143.2636% | 2,634 |
| Noncurrent assets plus other real estate owned to assets | 1.4781% | 2,717 |
| Noncurrent loans to loans | 0.8990% | 4,025 |
| Net loans and leases to total assets | 67.9636% | 2,301 |
| Net loans and leases to deposits | 75.9355% | 2,974 |
| Net loans and leases to core deposits | 80.5947% | 3,062 |
| Total domestic deposits to total assets | 89.5017% | 1,297 |
| Equity capital to assets | 8.2591% | 5,946 |
| Core capital (leverage) ratio | 7.9001% | 6,276 |
| Tier 1 risk-based capital ratio | 15.2609% | 3,588 |
| Total risk-based capital ratio | 16.5343% | 3,527 |
| Memoranda: |
| Average total assets | $305,447,250 | 2,116 |
| Average earning assets | $284,359,750 | 2,094 |
| Average equity | $24,576,500 | 2,700 |
| Average total loans | $208,280,250 | 1,947 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1144% | 3,677 |
| Cost of funding earning assets | 0.8877% | 953 |
| Net interest margin | 3.2267% | 4,848 |
| Noninterest income to average assets | 0.1733% | 6,167 |
| Noninterest expense to average assets | 2.7909% | 3,704 |
| Loan and lease loss provision to assets | 0.2769% | 1,330 |
| Net operating income to assets | 0.1042% | 6,123 |
| Return on assets (ROA) | 0.0723% | 6,275 |
| Pretax return on assets | 0.0756% | 6,269 |
| Return on Equity (ROE) | 0.9068% | 6,228 |
| Retained earnings to average equity (ytd only) | 0.9068% | 5,537 |
| Net charge-offs to loans | 0.2205% | 2,422 |
| Credit loss provision to net charge-offs | 184.7826% | 1,292 |
| Earnings coverage of net charge-offs (x) | 2.5739% | 3,664 |
| Efficiency ratio | 87.8564% | 1,234 |
| Assets per employee ($millions) | 5.9448% | 1,238 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3230% | 4,387 |
| Loan loss allowance to noncurrent loans | 89.6870% | 3,717 |
| Noncurrent assets plus other real estate owned to assets | 1.8622% | 2,325 |
| Noncurrent loans to loans | 1.4751% | 3,093 |
| Net loans and leases to total assets | 66.9635% | 2,419 |
| Net loans and leases to deposits | 74.5888% | 3,065 |
| Net loans and leases to core deposits | 80.4744% | 2,979 |
| Total domestic deposits to total assets | 89.7769% | 1,159 |
| Equity capital to assets | 8.0330% | 6,176 |
| Core capital (leverage) ratio | 7.7861% | 6,313 |
| Tier 1 risk-based capital ratio | 14.9257% | 3,826 |
| Total risk-based capital ratio | 16.1910% | 3,778 |
| Memoranda: |
| Average total assets | $306,929,330 | 2,109 |
| Average earning assets | $285,680,330 | 2,092 |
| Average equity | $24,482,000 | 2,719 |
| Average total loans | $208,627,000 | 1,950 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1603% | 3,468 |
| Cost of funding earning assets | 0.9245% | 877 |
| Net interest margin | 3.2358% | 4,775 |
| Noninterest income to average assets | 0.1917% | 6,101 |
| Noninterest expense to average assets | 2.8096% | 3,659 |
| Loan and lease loss provision to assets | 0.2914% | 1,203 |
| Net operating income to assets | 0.0901% | 6,168 |
| Return on assets (ROA) | 0.0544% | 6,326 |
| Pretax return on assets | 0.0609% | 6,321 |
| Return on Equity (ROE) | 0.6844% | 6,283 |
| Retained earnings to average equity (ytd only) | 0.6844% | 5,550 |
| Net charge-offs to loans | 0.1295% | 2,632 |
| Credit loss provision to net charge-offs | 330.8824% | 735 |
| Earnings coverage of net charge-offs (x) | 4.4559% | 2,551 |
| Efficiency ratio | 87.7427% | 1,350 |
| Assets per employee ($millions) | 5.5980% | 1,583 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2837% | 4,777 |
| Loan loss allowance to noncurrent loans | 90.3096% | 3,623 |
| Noncurrent assets plus other real estate owned to assets | 1.8594% | 2,530 |
| Noncurrent loans to loans | 1.4215% | 3,437 |
| Net loans and leases to total assets | 67.0345% | 2,186 |
| Net loans and leases to deposits | 74.5918% | 2,837 |
| Net loans and leases to core deposits | 80.8763% | 2,710 |
| Total domestic deposits to total assets | 89.8685% | 1,128 |
| Equity capital to assets | 7.9817% | 6,387 |
| Core capital (leverage) ratio | 7.7975% | 6,291 |
| Tier 1 risk-based capital ratio | 14.6436% | 4,070 |
| Total risk-based capital ratio | 15.9087% | 4,026 |
| Memoranda: |
| Average total assets | $308,801,000 | 2,131 |
| Average earning assets | $287,287,500 | 2,108 |
| Average equity | $24,545,500 | 2,751 |
| Average total loans | $210,067,500 | 1,943 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4823% | 3,476 |
| Cost of funding earning assets | 1.0995% | 907 |
| Net interest margin | 3.3827% | 4,948 |
| Noninterest income to average assets | 0.1500% | 6,290 |
| Noninterest expense to average assets | 2.8147% | 3,969 |
| Loan and lease loss provision to assets | 0.4118% | 1,561 |
| Net operating income to assets | -1.2112% | 6,797 |
| Return on assets (ROA) | -1.3510% | 6,838 |
| Pretax return on assets | -0.0944% | 6,361 |
| Return on Equity (ROE) | -15.8818% | 6,837 |
| Retained earnings to average equity (ytd only) | -15.8818% | 6,788 |
| Net charge-offs to loans | 0.7411% | 1,585 |
| Credit loss provision to net charge-offs | 82.3639% | 3,749 |
| Earnings coverage of net charge-offs (x) | 0.9146% | 5,015 |
| Efficiency ratio | 86.0250% | 1,430 |
| Assets per employee ($millions) | 6.7328% | 886 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1973% | 5,126 |
| Loan loss allowance to noncurrent loans | 97.8699% | 3,379 |
| Noncurrent assets plus other real estate owned to assets | 1.6141% | 2,972 |
| Noncurrent loans to loans | 1.2234% | 3,800 |
| Net loans and leases to total assets | 67.3307% | 2,311 |
| Net loans and leases to deposits | 74.8385% | 2,986 |
| Net loans and leases to core deposits | 80.5627% | 2,932 |
| Total domestic deposits to total assets | 89.9680% | 968 |
| Equity capital to assets | 7.9158% | 6,448 |
| Core capital (leverage) ratio | 7.7374% | 6,384 |
| Tier 1 risk-based capital ratio | 14.4007% | 4,095 |
| Total risk-based capital ratio | 15.6308% | 4,064 |
| Memoranda: |
| Average total assets | $323,234,200 | 1,992 |
| Average earning assets | $298,309,400 | 1,983 |
| Average equity | $27,496,800 | 2,448 |
| Average total loans | $218,049,600 | 1,854 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5340% | 3,504 |
| Cost of funding earning assets | 1.1365% | 920 |
| Net interest margin | 3.3975% | 5,044 |
| Noninterest income to average assets | 0.1363% | 6,461 |
| Noninterest expense to average assets | 2.8534% | 3,781 |
| Loan and lease loss provision to assets | 0.4176% | 1,532 |
| Net operating income to assets | -0.1670% | 6,474 |
| Return on assets (ROA) | -0.3462% | 6,664 |
| Pretax return on assets | -0.1849% | 6,535 |
| Return on Equity (ROE) | -4.0034% | 6,676 |
| Retained earnings to average equity (ytd only) | -4.0034% | 6,553 |
| Net charge-offs to loans | 0.6497% | 1,687 |
| Credit loss provision to net charge-offs | 95.5182% | 3,125 |
| Earnings coverage of net charge-offs (x) | 0.9421% | 4,853 |
| Efficiency ratio | 87.3859% | 1,260 |
| Assets per employee ($millions) | 6.2770% | 1,081 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2715% | 4,942 |
| Loan loss allowance to noncurrent loans | 84.3197% | 3,706 |
| Noncurrent assets plus other real estate owned to assets | 1.7719% | 2,953 |
| Noncurrent loans to loans | 1.5080% | 3,526 |
| Net loans and leases to total assets | 68.3799% | 2,235 |
| Net loans and leases to deposits | 76.8349% | 2,851 |
| Net loans and leases to core deposits | 83.0800% | 2,813 |
| Total domestic deposits to total assets | 88.9959% | 1,429 |
| Equity capital to assets | 8.9330% | 5,890 |
| Core capital (leverage) ratio | 7.9181% | 6,390 |
| Tier 1 risk-based capital ratio | 13.7335% | 4,738 |
| Total risk-based capital ratio | 14.9539% | 4,702 |
| Memoranda: |
| Average total assets | $326,615,250 | 1,989 |
| Average earning assets | $300,798,000 | 1,979 |
| Average equity | $28,242,000 | 2,389 |
| Average total loans | $219,797,750 | 1,852 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5742% | 3,463 |
| Cost of funding earning assets | 1.1670% | 957 |
| Net interest margin | 3.4072% | 5,052 |
| Noninterest income to average assets | 0.0979% | 6,684 |
| Noninterest expense to average assets | 2.8410% | 3,864 |
| Loan and lease loss provision to assets | 0.2714% | 2,412 |
| Net operating income to assets | 0.0115% | 6,307 |
| Return on assets (ROA) | -0.2339% | 6,632 |
| Pretax return on assets | -0.1203% | 6,531 |
| Return on Equity (ROE) | -2.7340% | 6,661 |
| Retained earnings to average equity (ytd only) | -2.7340% | 6,437 |
| Net charge-offs to loans | 0.4905% | 2,111 |
| Credit loss provision to net charge-offs | 82.9945% | 3,243 |
| Earnings coverage of net charge-offs (x) | 1.2126% | 4,402 |
| Efficiency ratio | 87.7521% | 1,255 |
| Assets per employee ($millions) | 4.8240% | 2,398 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2154% | 5,289 |
| Loan loss allowance to noncurrent loans | 80.6643% | 3,769 |
| Noncurrent assets plus other real estate owned to assets | 1.6552% | 3,237 |
| Noncurrent loans to loans | 1.5067% | 3,646 |
| Net loans and leases to total assets | 69.4393% | 2,018 |
| Net loans and leases to deposits | 78.9348% | 2,532 |
| Net loans and leases to core deposits | 84.7922% | 2,593 |
| Total domestic deposits to total assets | 87.9705% | 2,161 |
| Equity capital to assets | 8.8120% | 5,901 |
| Core capital (leverage) ratio | 7.8971% | 6,374 |
| Tier 1 risk-based capital ratio | 13.5712% | 4,768 |
| Total risk-based capital ratio | 14.8004% | 4,751 |
| Memoranda: |
| Average total assets | $330,871,000 | 1,964 |
| Average earning assets | $304,885,000 | 1,952 |
| Average equity | $28,310,670 | 2,366 |
| Average total loans | $220,606,000 | 1,844 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5981% | 3,509 |
| Cost of funding earning assets | 1.2091% | 945 |
| Net interest margin | 3.3890% | 5,161 |
| Noninterest income to average assets | 0.1910% | 6,240 |
| Noninterest expense to average assets | 2.8038% | 4,017 |
| Loan and lease loss provision to assets | 0.2136% | 2,814 |
| Net operating income to assets | 0.2056% | 5,967 |
| Return on assets (ROA) | -0.1756% | 6,664 |
| Pretax return on assets | -0.2990% | 6,732 |
| Return on Equity (ROE) | -2.0817% | 6,692 |
| Retained earnings to average equity (ytd only) | -2.0817% | 6,290 |
| Net charge-offs to loans | 0.4383% | 1,999 |
| Credit loss provision to net charge-offs | 75.0000% | 2,823 |
| Earnings coverage of net charge-offs (x) | 1.7917% | 3,441 |
| Efficiency ratio | 84.6044% | 1,625 |
| Assets per employee ($millions) | 5.2402% | 1,940 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2542% | 5,225 |
| Loan loss allowance to noncurrent loans | 98.7442% | 3,102 |
| Noncurrent assets plus other real estate owned to assets | 1.7959% | 3,178 |
| Noncurrent loans to loans | 1.2701% | 4,206 |
| Net loans and leases to total assets | 64.6072% | 2,739 |
| Net loans and leases to deposits | 73.0038% | 3,271 |
| Net loans and leases to core deposits | 77.4748% | 3,396 |
| Total domestic deposits to total assets | 88.4984% | 2,013 |
| Equity capital to assets | 8.4364% | 6,140 |
| Core capital (leverage) ratio | 7.5334% | 6,612 |
| Tier 1 risk-based capital ratio | 13.2457% | 5,035 |
| Total risk-based capital ratio | 14.5063% | 5,004 |
| Memoranda: |
| Average total assets | $337,115,000 | 1,940 |
| Average earning assets | $310,652,500 | 1,926 |
| Average equity | $28,438,000 | 2,366 |
| Average total loans | $219,007,500 | 1,865 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7146% | 4,186 |
| Cost of funding earning assets | 1.3399% | 1,292 |
| Net interest margin | 3.3747% | 5,563 |
| Noninterest income to average assets | 0.1624% | 6,328 |
| Noninterest expense to average assets | 2.5587% | 5,254 |
| Loan and lease loss provision to assets | 0.2977% | 3,285 |
| Net operating income to assets | 0.4426% | 4,682 |
| Return on assets (ROA) | 0.0889% | 6,003 |
| Pretax return on assets | 0.0720% | 6,010 |
| Return on Equity (ROE) | 1.0827% | 5,947 |
| Retained earnings to average equity (ytd only) | 1.0827% | 5,351 |
| Net charge-offs to loans | 0.4969% | 3,006 |
| Credit loss provision to net charge-offs | 97.6099% | 3,685 |
| Earnings coverage of net charge-offs (x) | 2.3719% | 4,032 |
| Efficiency ratio | 77.9584% | 2,593 |
| Assets per employee ($millions) | 5.6477% | 1,482 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0970% | 5,824 |
| Loan loss allowance to noncurrent loans | 87.5502% | 3,417 |
| Noncurrent assets plus other real estate owned to assets | 0.8534% | 4,916 |
| Noncurrent loans to loans | 1.2530% | 4,275 |
| Net loans and leases to total assets | 63.7998% | 3,234 |
| Net loans and leases to deposits | 72.1284% | 3,771 |
| Net loans and leases to core deposits | 78.1809% | 3,665 |
| Total domestic deposits to total assets | 88.4530% | 1,879 |
| Equity capital to assets | 8.4350% | 6,217 |
| Core capital (leverage) ratio | 7.6290% | 6,580 |
| Tier 1 risk-based capital ratio | 12.8322% | 5,212 |
| Total risk-based capital ratio | 14.0359% | 5,233 |
| Memoranda: |
| Average total assets | $342,952,400 | 1,889 |
| Average earning assets | $317,035,000 | 1,857 |
| Average equity | $28,170,800 | 2,323 |
| Average total loans | $210,489,400 | 1,951 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7075% | 4,424 |
| Cost of funding earning assets | 1.3557% | 1,431 |
| Net interest margin | 3.3518% | 5,713 |
| Noninterest income to average assets | 0.1643% | 6,421 |
| Noninterest expense to average assets | 2.5889% | 5,125 |
| Loan and lease loss provision to assets | 0.2640% | 3,395 |
| Net operating income to assets | 0.3133% | 5,346 |
| Return on assets (ROA) | 0.1027% | 6,072 |
| Pretax return on assets | 0.1345% | 6,036 |
| Return on Equity (ROE) | 1.2588% | 6,012 |
| Retained earnings to average equity (ytd only) | 1.2588% | 5,507 |
| Net charge-offs to loans | 0.3556% | 3,313 |
| Credit loss provision to net charge-offs | 122.4820% | 2,642 |
| Earnings coverage of net charge-offs (x) | 3.1349% | 3,567 |
| Efficiency ratio | 79.3042% | 2,361 |
| Assets per employee ($millions) | 6.0941% | 1,153 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1588% | 5,644 |
| Loan loss allowance to noncurrent loans | 98.1132% | 3,007 |
| Noncurrent assets plus other real estate owned to assets | 0.8123% | 5,146 |
| Noncurrent loans to loans | 1.1811% | 4,571 |
| Net loans and leases to total assets | 63.6846% | 3,372 |
| Net loans and leases to deposits | 71.9461% | 3,998 |
| Net loans and leases to core deposits | 78.3959% | 3,840 |
| Total domestic deposits to total assets | 88.5170% | 1,747 |
| Equity capital to assets | 8.4092% | 6,389 |
| Core capital (leverage) ratio | 7.5766% | 6,717 |
| Tier 1 risk-based capital ratio | 12.9047% | 5,167 |
| Total risk-based capital ratio | 14.1570% | 5,145 |
| Memoranda: |
| Average total assets | $343,975,500 | 1,891 |
| Average earning assets | $318,152,000 | 1,862 |
| Average equity | $28,067,750 | 2,327 |
| Average total loans | $208,464,250 | 1,994 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6554% | 4,732 |
| Cost of funding earning assets | 1.3703% | 1,547 |
| Net interest margin | 3.2851% | 5,903 |
| Noninterest income to average assets | 0.1572% | 6,531 |
| Noninterest expense to average assets | 2.5864% | 5,235 |
| Loan and lease loss provision to assets | 0.2905% | 3,063 |
| Net operating income to assets | 0.2464% | 5,575 |
| Return on assets (ROA) | 0.0963% | 6,108 |
| Pretax return on assets | 0.1241% | 6,061 |
| Return on Equity (ROE) | 1.1918% | 6,036 |
| Retained earnings to average equity (ytd only) | 1.1918% | 5,383 |
| Net charge-offs to loans | 0.5707% | 2,399 |
| Credit loss provision to net charge-offs | 85.7877% | 3,592 |
| Earnings coverage of net charge-offs (x) | 1.7928% | 3,972 |
| Efficiency ratio | 80.9878% | 2,244 |
| Assets per employee ($millions) | 5.6189% | 1,470 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0922% | 5,991 |
| Loan loss allowance to noncurrent loans | 95.9393% | 3,002 |
| Noncurrent assets plus other real estate owned to assets | 0.7624% | 5,379 |
| Noncurrent loans to loans | 1.1385% | 4,752 |
| Net loans and leases to total assets | 61.7975% | 3,926 |
| Net loans and leases to deposits | 69.6595% | 4,479 |
| Net loans and leases to core deposits | 76.3357% | 4,267 |
| Total domestic deposits to total assets | 88.7136% | 1,712 |
| Equity capital to assets | 8.2602% | 6,460 |
| Core capital (leverage) ratio | 7.5530% | 6,708 |
| Tier 1 risk-based capital ratio | 12.4680% | 5,377 |
| Total risk-based capital ratio | 13.7187% | 5,354 |
| Memoranda: |
| Average total assets | $344,877,000 | 1,894 |
| Average earning assets | $318,769,670 | 1,871 |
| Average equity | $27,857,670 | 2,323 |
| Average total loans | $204,657,330 | 2,038 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7287% | 4,377 |
| Cost of funding earning assets | 1.3972% | 1,626 |
| Net interest margin | 3.3315% | 5,669 |
| Noninterest income to average assets | 0.2023% | 6,280 |
| Noninterest expense to average assets | 2.6201% | 5,154 |
| Loan and lease loss provision to assets | 0.4313% | 2,035 |
| Net operating income to assets | 0.1648% | 5,901 |
| Return on assets (ROA) | -0.0520% | 6,434 |
| Pretax return on assets | -0.1110% | 6,460 |
| Return on Equity (ROE) | -0.6515% | 6,446 |
| Retained earnings to average equity (ytd only) | -0.6515% | 5,919 |
| Net charge-offs to loans | 1.1965% | 1,162 |
| Credit loss provision to net charge-offs | 62.3746% | 3,506 |
| Earnings coverage of net charge-offs (x) | 0.9532% | 3,939 |
| Efficiency ratio | 79.9013% | 2,552 |
| Assets per employee ($millions) | 5.9228% | 1,249 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0939% | 6,072 |
| Loan loss allowance to noncurrent loans | 68.7422% | 3,977 |
| Noncurrent assets plus other real estate owned to assets | 1.1726% | 4,602 |
| Noncurrent loans to loans | 1.5913% | 4,094 |
| Net loans and leases to total assets | 57.8257% | 4,670 |
| Net loans and leases to deposits | 65.0046% | 5,130 |
| Net loans and leases to core deposits | 71.1039% | 4,916 |
| Total domestic deposits to total assets | 88.9564% | 1,800 |
| Equity capital to assets | 8.0182% | 6,478 |
| Core capital (leverage) ratio | 7.4402% | 6,764 |
| Tier 1 risk-based capital ratio | 11.9613% | 5,731 |
| Total risk-based capital ratio | 13.1799% | 5,743 |
| Memoranda: |
| Average total assets | $345,940,500 | 1,902 |
| Average earning assets | $319,498,500 | 1,876 |
| Average equity | $27,630,500 | 2,331 |
| Average total loans | $199,911,000 | 2,110 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9091% | 4,983 |
| Cost of funding earning assets | 1.6335% | 1,897 |
| Net interest margin | 3.2756% | 6,054 |
| Noninterest income to average assets | 0.1278% | 6,759 |
| Noninterest expense to average assets | 2.5977% | 5,427 |
| Loan and lease loss provision to assets | 0.1903% | 5,328 |
| Net operating income to assets | 0.2960% | 4,953 |
| Return on assets (ROA) | -0.1996% | 6,165 |
| Pretax return on assets | -0.4164% | 6,257 |
| Return on Equity (ROE) | -2.5801% | 6,237 |
| Retained earnings to average equity (ytd only) | -2.5801% | 6,054 |
| Net charge-offs to loans | 0.1524% | 5,438 |
| Credit loss provision to net charge-offs | 207.7160% | 1,483 |
| Earnings coverage of net charge-offs (x) | 5.9846% | 2,475 |
| Efficiency ratio | 82.5755% | 2,095 |
| Assets per employee ($millions) | 5.6187% | 1,481 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2087% | 5,466 |
| Loan loss allowance to noncurrent loans | 70.6729% | 3,894 |
| Noncurrent assets plus other real estate owned to assets | 1.2157% | 4,597 |
| Noncurrent loans to loans | 1.7102% | 3,937 |
| Net loans and leases to total assets | 56.4291% | 5,270 |
| Net loans and leases to deposits | 63.4467% | 5,694 |
| Net loans and leases to core deposits | 68.6713% | 5,587 |
| Total domestic deposits to total assets | 88.9393% | 1,694 |
| Equity capital to assets | 7.9564% | 6,537 |
| Core capital (leverage) ratio | 7.3535% | 6,816 |
| Tier 1 risk-based capital ratio | 11.2309% | 6,154 |
| Total risk-based capital ratio | 12.4477% | 6,158 |
| Memoranda: |
| Average total assets | $353,737,000 | 1,847 |
| Average earning assets | $325,922,200 | 1,830 |
| Average equity | $27,362,800 | 2,353 |
| Average total loans | $212,656,800 | 2,040 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8995% | 5,271 |
| Cost of funding earning assets | 1.6628% | 2,034 |
| Net interest margin | 3.2367% | 6,223 |
| Noninterest income to average assets | 0.0574% | 7,239 |
| Noninterest expense to average assets | 2.5928% | 5,355 |
| Loan and lease loss provision to assets | 0.1048% | 5,987 |
| Net operating income to assets | 0.3250% | 5,069 |
| Return on assets (ROA) | -0.2580% | 6,437 |
| Pretax return on assets | -0.5711% | 6,600 |
| Return on Equity (ROE) | -3.3584% | 6,522 |
| Retained earnings to average equity (ytd only) | -3.3584% | 6,392 |
| Net charge-offs to loans | 0.0506% | 6,017 |
| Credit loss provision to net charge-offs | 340.2439% | 934 |
| Earnings coverage of net charge-offs (x) | 14.4391% | 1,516 |
| Efficiency ratio | 85.3628% | 1,694 |
| Assets per employee ($millions) | 5.9951% | 1,244 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1335% | 5,793 |
| Loan loss allowance to noncurrent loans | 73.7584% | 3,626 |
| Noncurrent assets plus other real estate owned to assets | 1.1624% | 4,795 |
| Noncurrent loans to loans | 1.5367% | 4,334 |
| Net loans and leases to total assets | 54.9066% | 5,720 |
| Net loans and leases to deposits | 61.7214% | 6,146 |
| Net loans and leases to core deposits | 68.6597% | 5,881 |
| Total domestic deposits to total assets | 88.9587% | 1,411 |
| Equity capital to assets | 7.6098% | 7,054 |
| Core capital (leverage) ratio | 6.9461% | 7,193 |
| Tier 1 risk-based capital ratio | 10.7241% | 6,618 |
| Total risk-based capital ratio | 11.8685% | 6,682 |
| Memoranda: |
| Average total assets | $355,081,000 | 1,865 |
| Average earning assets | $326,911,500 | 1,848 |
| Average equity | $27,274,250 | 2,391 |
| Average total loans | $216,075,500 | 2,035 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9840% | 5,016 |
| Cost of funding earning assets | 1.6865% | 2,185 |
| Net interest margin | 3.2975% | 6,025 |
| Noninterest income to average assets | 0.0313% | 7,426 |
| Noninterest expense to average assets | 2.6017% | 5,320 |
| Loan and lease loss provision to assets | 0.1058% | 5,857 |
| Net operating income to assets | 0.3200% | 5,104 |
| Return on assets (ROA) | -0.4341% | 6,633 |
| Pretax return on assets | -0.8255% | 6,797 |
| Return on Equity (ROE) | -5.6332% | 6,752 |
| Retained earnings to average equity (ytd only) | -5.6332% | 6,625 |
| Net charge-offs to loans | 0.0880% | 5,255 |
| Credit loss provision to net charge-offs | 191.7526% | 2,054 |
| Earnings coverage of net charge-offs (x) | 8.3093% | 2,154 |
| Efficiency ratio | 85.0158% | 1,820 |
| Assets per employee ($millions) | 6.1071% | 1,151 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0353% | 6,247 |
| Loan loss allowance to noncurrent loans | 77.5935% | 3,493 |
| Noncurrent assets plus other real estate owned to assets | 1.2619% | 4,624 |
| Noncurrent loans to loans | 1.3343% | 4,722 |
| Net loans and leases to total assets | 58.3370% | 5,363 |
| Net loans and leases to deposits | 65.6863% | 5,847 |
| Net loans and leases to core deposits | 72.9155% | 5,567 |
| Total domestic deposits to total assets | 88.8115% | 1,543 |
| Equity capital to assets | 7.7460% | 6,965 |
| Core capital (leverage) ratio | 7.0993% | 7,132 |
| Tier 1 risk-based capital ratio | 9.7230% | 7,178 |
| Total risk-based capital ratio | 10.7684% | 7,259 |
| Memoranda: |
| Average total assets | $351,541,000 | 1,904 |
| Average earning assets | $322,914,670 | 1,878 |
| Average equity | $27,089,330 | 2,407 |
| Average total loans | $220,402,000 | 2,020 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0052% | 4,999 |
| Cost of funding earning assets | 1.7220% | 2,281 |
| Net interest margin | 3.2832% | 6,040 |
| Noninterest income to average assets | 0.1901% | 6,606 |
| Noninterest expense to average assets | 2.7630% | 4,638 |
| Loan and lease loss provision to assets | 0.1072% | 5,555 |
| Net operating income to assets | 0.2344% | 5,560 |
| Return on assets (ROA) | -0.0495% | 6,452 |
| Pretax return on assets | -0.1118% | 6,475 |
| Return on Equity (ROE) | -0.6447% | 6,484 |
| Retained earnings to average equity (ytd only) | -0.6447% | 5,980 |
| Net charge-offs to loans | 0.0660% | 4,747 |
| Credit loss provision to net charge-offs | 251.3514% | 1,533 |
| Earnings coverage of net charge-offs (x) | 10.2973% | 1,757 |
| Efficiency ratio | 86.2900% | 1,766 |
| Assets per employee ($millions) | 5.9684% | 1,280 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9901% | 6,516 |
| Loan loss allowance to noncurrent loans | 45.5632% | 5,313 |
| Noncurrent assets plus other real estate owned to assets | 1.9372% | 3,576 |
| Noncurrent loans to loans | 2.1730% | 3,566 |
| Net loans and leases to total assets | 62.7440% | 4,601 |
| Net loans and leases to deposits | 70.7343% | 5,237 |
| Net loans and leases to core deposits | 77.1050% | 5,123 |
| Total domestic deposits to total assets | 88.7038% | 1,672 |
| Equity capital to assets | 7.7121% | 6,921 |
| Core capital (leverage) ratio | 7.6985% | 6,628 |
| Tier 1 risk-based capital ratio | 9.7999% | 7,156 |
| Total risk-based capital ratio | 10.7963% | 7,275 |
| Memoranda: |
| Average total assets | $347,153,000 | 1,970 |
| Average earning assets | $318,468,500 | 1,958 |
| Average equity | $26,679,000 | 2,455 |
| Average total loans | $224,404,500 | 2,040 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5244% | 4,018 |
| Cost of funding earning assets | 2.2448% | 1,855 |
| Net interest margin | 3.2796% | 5,822 |
| Noninterest income to average assets | 0.3915% | 5,283 |
| Noninterest expense to average assets | 2.4239% | 6,396 |
| Loan and lease loss provision to assets | 0.0354% | 7,183 |
| Net operating income to assets | 0.6684% | 3,068 |
| Return on assets (ROA) | -0.1353% | 5,727 |
| Pretax return on assets | -0.2664% | 5,795 |
| Return on Equity (ROE) | -1.8639% | 5,836 |
| Retained earnings to average equity (ytd only) | -1.8639% | 5,488 |
| Net charge-offs to loans | 0.1054% | 6,089 |
| Credit loss provision to net charge-offs | 46.7354% | 6,785 |
| Earnings coverage of net charge-offs (x) | 13.5120% | 1,422 |
| Efficiency ratio | 70.2842% | 4,567 |
| Assets per employee ($millions) | 6.1076% | 1,180 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9223% | 6,727 |
| Loan loss allowance to noncurrent loans | 66.9832% | 4,052 |
| Noncurrent assets plus other real estate owned to assets | 1.2110% | 4,675 |
| Noncurrent loans to loans | 1.3769% | 4,619 |
| Net loans and leases to total assets | 65.2963% | 4,324 |
| Net loans and leases to deposits | 73.5609% | 5,110 |
| Net loans and leases to core deposits | 92.6004% | 4,818 |
| Total domestic deposits to total assets | 88.7650% | 1,589 |
| Equity capital to assets | 7.6582% | 6,893 |
| Core capital (leverage) ratio | 7.7393% | 6,517 |
| Tier 1 risk-based capital ratio | 9.2362% | 7,366 |
| Total risk-based capital ratio | 10.1740% | 7,521 |
| Memoranda: |
| Average total assets | $383,681,400 | 1,783 |
| Average earning assets | $357,665,200 | 1,752 |
| Average equity | $27,844,200 | 2,390 |
| Average total loans | $276,128,800 | 1,742 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6606% | 3,522 |
| Cost of funding earning assets | 2.3517% | 1,801 |
| Net interest margin | 3.3089% | 5,608 |
| Noninterest income to average assets | 0.1909% | 6,853 |
| Noninterest expense to average assets | 2.4033% | 6,410 |
| Loan and lease loss provision to assets | 0.0459% | 6,910 |
| Net operating income to assets | 0.6263% | 3,510 |
| Return on assets (ROA) | -0.1786% | 6,041 |
| Pretax return on assets | -0.4222% | 6,226 |
| Return on Equity (ROE) | -2.4923% | 6,161 |
| Retained earnings to average equity (ytd only) | -2.4923% | 5,818 |
| Net charge-offs to loans | 0.1223% | 5,476 |
| Credit loss provision to net charge-offs | 51.1364% | 6,291 |
| Earnings coverage of net charge-offs (x) | 9.8296% | 2,052 |
| Efficiency ratio | 73.1672% | 4,023 |
| Assets per employee ($millions) | 5.6011% | 1,511 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8169% | 7,070 |
| Loan loss allowance to noncurrent loans | 50.7929% | 4,932 |
| Noncurrent assets plus other real estate owned to assets | 1.2639% | 4,539 |
| Noncurrent loans to loans | 1.6083% | 4,224 |
| Net loans and leases to total assets | 73.8366% | 2,574 |
| Net loans and leases to deposits | 83.4349% | 3,750 |
| Net loans and leases to core deposits | 104.0432% | 3,929 |
| Total domestic deposits to total assets | 88.4961% | 1,438 |
| Equity capital to assets | 7.9049% | 6,943 |
| Core capital (leverage) ratio | 7.7231% | 6,701 |
| Tier 1 risk-based capital ratio | 8.0155% | 7,792 |
| Total risk-based capital ratio | 8.7877% | 7,854 |
| Memoranda: |
| Average total assets | $392,567,750 | 1,764 |
| Average earning assets | $367,041,250 | 1,730 |
| Average equity | $28,140,000 | 2,384 |
| Average total loans | $287,802,000 | 1,683 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7927% | 3,086 |
| Cost of funding earning assets | 2.4429% | 1,807 |
| Net interest margin | 3.3498% | 5,365 |
| Noninterest income to average assets | 0.2040% | 6,832 |
| Noninterest expense to average assets | 2.2188% | 7,011 |
| Loan and lease loss provision to assets | 0.0660% | 6,550 |
| Net operating income to assets | 0.8004% | 2,856 |
| Return on assets (ROA) | -0.3677% | 6,420 |
| Pretax return on assets | -0.7693% | 6,661 |
| Return on Equity (ROE) | -5.2867% | 6,640 |
| Retained earnings to average equity (ytd only) | -5.2867% | 6,345 |
| Net charge-offs to loans | 0.1134% | 5,026 |
| Credit loss provision to net charge-offs | 79.7619% | 5,207 |
| Earnings coverage of net charge-offs (x) | 13.5476% | 1,730 |
| Efficiency ratio | 66.4208% | 5,468 |
| Assets per employee ($millions) | 5.7835% | 1,352 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8093% | 7,118 |
| Loan loss allowance to noncurrent loans | 63.2693% | 4,289 |
| Noncurrent assets plus other real estate owned to assets | 1.0074% | 4,954 |
| Noncurrent loans to loans | 1.2791% | 4,641 |
| Net loans and leases to total assets | 73.0677% | 2,947 |
| Net loans and leases to deposits | 81.9132% | 4,236 |
| Net loans and leases to core deposits | 99.4958% | 4,555 |
| Total domestic deposits to total assets | 89.2014% | 1,167 |
| Equity capital to assets | 7.3868% | 7,358 |
| Core capital (leverage) ratio | 7.2763% | 7,271 |
| Tier 1 risk-based capital ratio | 7.5258% | 7,958 |
| Total risk-based capital ratio | 8.2910% | 8,012 |
| Memoranda: |
| Average total assets | $405,800,000 | 1,732 |
| Average earning assets | $379,960,670 | 1,703 |
| Average equity | $28,222,000 | 2,395 |
| Average total loans | $296,171,330 | 1,674 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7218% | 3,688 |
| Cost of funding earning assets | 2.5856% | 1,610 |
| Net interest margin | 3.1362% | 6,084 |
| Noninterest income to average assets | 0.1816% | 6,993 |
| Noninterest expense to average assets | 2.1676% | 6,961 |
| Loan and lease loss provision to assets | 0.0894% | 5,821 |
| Net operating income to assets | 0.6303% | 3,880 |
| Return on assets (ROA) | 0.6303% | 4,061 |
| Pretax return on assets | 0.8756% | 3,811 |
| Return on Equity (ROE) | 9.3221% | 2,604 |
| Retained earnings to average equity (ytd only) | 9.3221% | 1,395 |
| Net charge-offs to loans | 0.3937% | 2,520 |
| Credit loss provision to net charge-offs | 31.2292% | 4,938 |
| Earnings coverage of net charge-offs (x) | 3.3721% | 3,199 |
| Efficiency ratio | 69.1958% | 4,741 |
| Assets per employee ($millions) | 6.1625% | 1,114 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6914% | 7,460 |
| Loan loss allowance to noncurrent loans | 60.8235% | 4,547 |
| Noncurrent assets plus other real estate owned to assets | 0.9395% | 4,842 |
| Noncurrent loans to loans | 1.1367% | 4,721 |
| Net loans and leases to total assets | 71.9426% | 3,246 |
| Net loans and leases to deposits | 80.4607% | 4,542 |
| Net loans and leases to core deposits | 98.4865% | 4,698 |
| Total domestic deposits to total assets | 89.4134% | 1,049 |
| Equity capital to assets | 6.9682% | 7,698 |
| Core capital (leverage) ratio | 6.7058% | 7,797 |
| Tier 1 risk-based capital ratio | 7.9077% | 8,022 |
| Total risk-based capital ratio | 8.6063% | 8,083 |
| Memoranda: |
| Average total assets | $420,736,000 | 1,696 |
| Average earning assets | $395,889,000 | 1,649 |
| Average equity | $28,448,500 | 2,386 |
| Average total loans | $305,795,500 | 1,636 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.9794% | 5,645 |
| Cost of funding earning assets | 3.1857% | 1,240 |
| Net interest margin | 2.7937% | 7,339 |
| Noninterest income to average assets | 0.4117% | 5,377 |
| Noninterest expense to average assets | 2.1313% | 7,157 |
| Loan and lease loss provision to assets | 0.8883% | 1,681 |
| Net operating income to assets | 0.1457% | 5,989 |
| Return on assets (ROA) | 0.0719% | 6,027 |
| Pretax return on assets | -0.1021% | 6,274 |
| Return on Equity (ROE) | 1.0814% | 5,891 |
| Retained earnings to average equity (ytd only) | 1.0814% | 4,576 |
| Net charge-offs to loans | 0.0140% | 6,701 |
| Credit loss provision to net charge-offs | 9,256.0976% | 64 |
| Earnings coverage of net charge-offs (x) | 93.9512% | 453 |
| Efficiency ratio | 70.2709% | 4,297 |
| Assets per employee ($millions) | 6.5936% | 852 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7277% | 7,355 |
| Loan loss allowance to noncurrent loans | 75.6235% | 4,295 |
| Noncurrent assets plus other real estate owned to assets | 0.7588% | 4,949 |
| Noncurrent loans to loans | 0.9623% | 4,678 |
| Net loans and leases to total assets | 72.3794% | 3,506 |
| Net loans and leases to deposits | 80.4244% | 4,969 |
| Net loans and leases to core deposits | 97.3183% | 5,116 |
| Total domestic deposits to total assets | 89.9968% | 646 |
| Equity capital to assets | 6.5626% | 7,918 |
| Core capital (leverage) ratio | 6.2162% | 8,015 |
| Tier 1 risk-based capital ratio | 8.1445% | 8,060 |
| Total risk-based capital ratio | 8.9304% | 8,146 |
| Memoranda: |
| Average total assets | $427,202,200 | 1,595 |
| Average earning assets | $400,826,000 | 1,559 |
| Average equity | $28,390,200 | 2,380 |
| Average total loans | $292,837,000 | 1,651 |
