Home > Heritage Community Bank > Performance and Condition Ratios
Heritage Community Bank, 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 | 4.8608% | 1,175 |
| Cost of funding earning assets | 0.5765% | 2,869 |
| Net interest margin | 4.2842% | 1,147 |
| Noninterest income to average assets | 0.3166% | 5,069 |
| Noninterest expense to average assets | 3.5662% | 1,518 |
| Loan and lease loss provision to assets | 0.7132% | 320 |
| Net operating income to assets | 0.1162% | 6,007 |
| Return on assets (ROA) | 0.1162% | 6,069 |
| Pretax return on assets | 0.1162% | 6,070 |
| Return on Equity (ROE) | 1.7013% | 5,930 |
| Retained earnings to average equity (ytd only) | 1.7013% | 5,020 |
| Net charge-offs to loans | 1.2242% | 428 |
| Credit loss provision to net charge-offs | 68.0405% | 3,358 |
| Earnings coverage of net charge-offs (x) | 0.7912% | 4,825 |
| Efficiency ratio | 81.1312% | 2,005 |
| Assets per employee ($millions) | 5.1747% | 1,984 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5941% | 728 |
| Loan loss allowance to noncurrent loans | 80.0110% | 4,178 |
| Noncurrent assets plus other real estate owned to assets | 3.2101% | 954 |
| Noncurrent loans to loans | 3.2421% | 1,030 |
| Net loans and leases to total assets | 81.2155% | 474 |
| Net loans and leases to deposits | 87.8948% | 1,477 |
| Net loans and leases to core deposits | 90.2871% | 1,989 |
| Total domestic deposits to total assets | 92.4009% | 216 |
| Equity capital to assets | 7.2193% | 6,394 |
| Core capital (leverage) ratio | 7.1180% | 6,497 |
| Tier 1 risk-based capital ratio | 8.8280% | 6,668 |
| Total risk-based capital ratio | 10.0947% | 6,664 |
| Memoranda: | ||
| Average total assets | $141,186,400 | 3,855 |
| Average earning assets | $134,422,600 | 3,743 |
| Average equity | $9,639,800 | 4,938 |
| Average total loans | $120,897,800 | 3,017 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9192% | 1,086 |
| Cost of funding earning assets | 0.5912% | 2,885 |
| Net interest margin | 4.3280% | 1,030 |
| Noninterest income to average assets | 0.3341% | 5,020 |
| Noninterest expense to average assets | 3.6598% | 1,308 |
| Loan and lease loss provision to assets | 0.7420% | 289 |
| Net operating income to assets | 0.0457% | 6,225 |
| Return on assets (ROA) | 0.0457% | 6,282 |
| Pretax return on assets | 0.0457% | 6,264 |
| Return on Equity (ROE) | 0.6790% | 6,233 |
| Retained earnings to average equity (ytd only) | 0.6790% | 5,698 |
| Net charge-offs to loans | 1.3910% | 366 |
| Credit loss provision to net charge-offs | 61.9159% | 3,256 |
| Earnings coverage of net charge-offs (x) | 0.6573% | 4,630 |
| Efficiency ratio | 82.2875% | 1,792 |
| Assets per employee ($millions) | 5.1558% | 1,984 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4280% | 1,016 |
| Loan loss allowance to noncurrent loans | 69.4838% | 4,435 |
| Noncurrent assets plus other real estate owned to assets | 3.4819% | 978 |
| Noncurrent loans to loans | 3.4943% | 1,091 |
| Net loans and leases to total assets | 83.5446% | 274 |
| Net loans and leases to deposits | 90.0894% | 1,152 |
| Net loans and leases to core deposits | 92.4388% | 1,725 |
| Total domestic deposits to total assets | 92.7353% | 145 |
| Equity capital to assets | 6.8969% | 6,576 |
| Core capital (leverage) ratio | 6.9146% | 6,601 |
| Tier 1 risk-based capital ratio | 8.0852% | 6,762 |
| Total risk-based capital ratio | 9.3496% | 6,763 |
| Memoranda: | ||
| Average total assets | $142,847,500 | 3,871 |
| Average earning assets | $135,763,250 | 3,765 |
| Average equity | $9,621,500 | 4,997 |
| Average total loans | $123,077,500 | 2,997 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9440% | 1,012 |
| Cost of funding earning assets | 0.6065% | 2,881 |
| Net interest margin | 4.3374% | 960 |
| Noninterest income to average assets | 0.3457% | 4,927 |
| Noninterest expense to average assets | 3.4930% | 1,623 |
| Loan and lease loss provision to assets | 1.0621% | 166 |
| Net operating income to assets | -0.0791% | 6,389 |
| Return on assets (ROA) | -0.0791% | 6,435 |
| Pretax return on assets | -0.0791% | 6,419 |
| Return on Equity (ROE) | -1.1840% | 6,468 |
| Retained earnings to average equity (ytd only) | -1.1840% | 6,073 |
| Net charge-offs to loans | 2.0825% | 213 |
| Credit loss provision to net charge-offs | 59.0734% | 3,038 |
| Earnings coverage of net charge-offs (x) | 0.5467% | 4,357 |
| Efficiency ratio | 78.0397% | 2,446 |
| Assets per employee ($millions) | 4.1477% | 3,475 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3018% | 1,259 |
| Loan loss allowance to noncurrent loans | 58.0468% | 4,888 |
| Noncurrent assets plus other real estate owned to assets | 3.7788% | 970 |
| Noncurrent loans to loans | 3.9653% | 986 |
| Net loans and leases to total assets | 85.8697% | 158 |
| Net loans and leases to deposits | 92.4672% | 918 |
| Net loans and leases to core deposits | 95.9724% | 1,361 |
| Total domestic deposits to total assets | 92.8650% | 135 |
| Equity capital to assets | 6.7266% | 6,649 |
| Core capital (leverage) ratio | 6.6808% | 6,677 |
| Tier 1 risk-based capital ratio | 7.7679% | 6,810 |
| Total risk-based capital ratio | 9.0311% | 6,811 |
| Memoranda: | ||
| Average total assets | $144,061,000 | 3,870 |
| Average earning assets | $137,177,670 | 3,774 |
| Average equity | $9,628,330 | 5,028 |
| Average total loans | $124,372,000 | 2,981 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8582% | 1,184 |
| Cost of funding earning assets | 0.6167% | 2,956 |
| Net interest margin | 4.2415% | 1,094 |
| Noninterest income to average assets | 0.4094% | 4,396 |
| Noninterest expense to average assets | 3.9456% | 948 |
| Loan and lease loss provision to assets | 0.4451% | 643 |
| Net operating income to assets | 0.0220% | 6,305 |
| Return on assets (ROA) | 0.0220% | 6,385 |
| Pretax return on assets | 0.0440% | 6,351 |
| Return on Equity (ROE) | 0.3299% | 6,363 |
| Retained earnings to average equity (ytd only) | 0.3299% | 5,680 |
| Net charge-offs to loans | -0.1284% | 6,547 |
| Credit loss provision to net charge-offs | -405.0000% | 5,429 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.9715% | 1,233 |
| Assets per employee ($millions) | 4.7180% | 2,620 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8681% | 757 |
| Loan loss allowance to noncurrent loans | 57.0315% | 4,850 |
| Noncurrent assets plus other real estate owned to assets | 4.5809% | 816 |
| Noncurrent loans to loans | 5.0290% | 757 |
| Net loans and leases to total assets | 83.0103% | 233 |
| Net loans and leases to deposits | 89.4160% | 1,014 |
| Net loans and leases to core deposits | 92.8673% | 1,426 |
| Total domestic deposits to total assets | 92.8360% | 141 |
| Equity capital to assets | 6.6280% | 6,774 |
| Core capital (leverage) ratio | 6.6662% | 6,722 |
| Tier 1 risk-based capital ratio | 7.7762% | 6,865 |
| Total risk-based capital ratio | 9.0467% | 6,863 |
| Memoranda: | ||
| Average total assets | $145,580,000 | 3,886 |
| Average earning assets | $138,159,000 | 3,790 |
| Average equity | $9,699,500 | 5,069 |
| Average total loans | $124,583,500 | 2,998 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9240% | 1,762 |
| Cost of funding earning assets | 0.7498% | 3,090 |
| Net interest margin | 4.1742% | 1,731 |
| Noninterest income to average assets | 0.3582% | 4,917 |
| Noninterest expense to average assets | 3.1976% | 2,622 |
| Loan and lease loss provision to assets | 3.5194% | 26 |
| Net operating income to assets | -2.7453% | 6,992 |
| Return on assets (ROA) | -2.7453% | 6,995 |
| Pretax return on assets | -2.4182% | 6,971 |
| Return on Equity (ROE) | -32.8063% | 6,966 |
| Retained earnings to average equity (ytd only) | -32.8063% | 6,950 |
| Net charge-offs to loans | 3.2850% | 130 |
| Credit loss provision to net charge-offs | 129.2873% | 2,179 |
| Earnings coverage of net charge-offs (x) | 0.4045% | 5,281 |
| Efficiency ratio | 74.3839% | 3,009 |
| Assets per employee ($millions) | 4.6742% | 2,671 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7244% | 897 |
| Loan loss allowance to noncurrent loans | 55.1606% | 4,867 |
| Noncurrent assets plus other real estate owned to assets | 5.0628% | 758 |
| Noncurrent loans to loans | 4.9391% | 818 |
| Net loans and leases to total assets | 83.3597% | 252 |
| Net loans and leases to deposits | 90.4773% | 1,033 |
| Net loans and leases to core deposits | 94.2412% | 1,448 |
| Total domestic deposits to total assets | 92.1332% | 221 |
| Equity capital to assets | 6.6977% | 6,817 |
| Core capital (leverage) ratio | 6.4216% | 6,807 |
| Tier 1 risk-based capital ratio | 7.7505% | 6,924 |
| Total risk-based capital ratio | 9.0186% | 6,925 |
| Memoranda: | ||
| Average total assets | $151,019,400 | 3,756 |
| Average earning assets | $142,565,600 | 3,687 |
| Average equity | $12,637,800 | 4,435 |
| Average total loans | $125,145,200 | 2,981 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9372% | 1,875 |
| Cost of funding earning assets | 0.7694% | 3,195 |
| Net interest margin | 4.1678% | 1,836 |
| Noninterest income to average assets | 0.3732% | 4,841 |
| Noninterest expense to average assets | 2.9856% | 3,285 |
| Loan and lease loss provision to assets | 3.0818% | 36 |
| Net operating income to assets | -1.0584% | 6,876 |
| Return on assets (ROA) | -1.0584% | 6,900 |
| Pretax return on assets | -1.7550% | 6,991 |
| Return on Equity (ROE) | -12.0756% | 6,895 |
| Retained earnings to average equity (ytd only) | -12.0756% | 6,860 |
| Net charge-offs to loans | 3.0741% | 172 |
| Credit loss provision to net charge-offs | 121.9647% | 2,372 |
| Earnings coverage of net charge-offs (x) | 0.5251% | 5,055 |
| Efficiency ratio | 69.2339% | 3,831 |
| Assets per employee ($millions) | 4.8010% | 2,441 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2733% | 1,575 |
| Loan loss allowance to noncurrent loans | 57.1371% | 4,792 |
| Noncurrent assets plus other real estate owned to assets | 4.2390% | 1,121 |
| Noncurrent loans to loans | 3.9786% | 1,294 |
| Net loans and leases to total assets | 81.2809% | 405 |
| Net loans and leases to deposits | 89.2967% | 1,230 |
| Net loans and leases to core deposits | 92.5556% | 1,725 |
| Total domestic deposits to total assets | 91.0234% | 406 |
| Equity capital to assets | 8.5015% | 6,258 |
| Core capital (leverage) ratio | 8.4004% | 5,898 |
| Tier 1 risk-based capital ratio | 9.7208% | 6,862 |
| Total risk-based capital ratio | 10.9825% | 6,851 |
| Memoranda: | ||
| Average total assets | $152,549,000 | 3,779 |
| Average earning assets | $144,180,000 | 3,686 |
| Average equity | $13,371,000 | 4,325 |
| Average total loans | $125,388,500 | 3,010 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9049% | 2,090 |
| Cost of funding earning assets | 0.7919% | 3,257 |
| Net interest margin | 4.1130% | 2,037 |
| Noninterest income to average assets | 0.3797% | 4,800 |
| Noninterest expense to average assets | 2.9352% | 3,493 |
| Loan and lease loss provision to assets | 2.2147% | 109 |
| Net operating income to assets | -0.5241% | 6,743 |
| Return on assets (ROA) | -0.5241% | 6,779 |
| Pretax return on assets | -0.8661% | 6,869 |
| Return on Equity (ROE) | -5.9220% | 6,796 |
| Retained earnings to average equity (ytd only) | -5.9220% | 6,667 |
| Net charge-offs to loans | 1.4660% | 687 |
| Credit loss provision to net charge-offs | 184.5070% | 1,539 |
| Earnings coverage of net charge-offs (x) | 1.1235% | 4,455 |
| Efficiency ratio | 68.5185% | 4,036 |
| Assets per employee ($millions) | 4.5773% | 2,761 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3417% | 1,515 |
| Loan loss allowance to noncurrent loans | 53.9176% | 4,916 |
| Noncurrent assets plus other real estate owned to assets | 4.2753% | 1,166 |
| Noncurrent loans to loans | 4.3430% | 1,239 |
| Net loans and leases to total assets | 81.6964% | 354 |
| Net loans and leases to deposits | 90.2353% | 1,125 |
| Net loans and leases to core deposits | 93.6724% | 1,638 |
| Total domestic deposits to total assets | 90.5370% | 642 |
| Equity capital to assets | 8.8724% | 5,838 |
| Core capital (leverage) ratio | 8.7330% | 5,328 |
| Tier 1 risk-based capital ratio | 10.0331% | 6,817 |
| Total risk-based capital ratio | 11.2941% | 6,792 |
| Memoranda: | ||
| Average total assets | $153,788,000 | 3,774 |
| Average earning assets | $145,977,000 | 3,679 |
| Average equity | $13,610,330 | 4,272 |
| Average total loans | $125,922,670 | 3,009 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8500% | 2,444 |
| Cost of funding earning assets | 0.8138% | 3,358 |
| Net interest margin | 4.0363% | 2,346 |
| Noninterest income to average assets | 0.3712% | 4,896 |
| Noninterest expense to average assets | 2.9158% | 3,556 |
| Loan and lease loss provision to assets | 0.7734% | 644 |
| Net operating income to assets | 0.3068% | 5,640 |
| Return on assets (ROA) | 0.3068% | 5,805 |
| Pretax return on assets | 0.5182% | 5,369 |
| Return on Equity (ROE) | 3.4708% | 5,524 |
| Retained earnings to average equity (ytd only) | 3.4708% | 4,499 |
| Net charge-offs to loans | 1.4510% | 691 |
| Credit loss provision to net charge-offs | 65.7895% | 3,001 |
| Earnings coverage of net charge-offs (x) | 1.0987% | 3,785 |
| Efficiency ratio | 69.3015% | 3,932 |
| Assets per employee ($millions) | 4.9961% | 2,259 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6014% | 3,711 |
| Loan loss allowance to noncurrent loans | 33.8747% | 5,973 |
| Noncurrent assets plus other real estate owned to assets | 4.4822% | 1,195 |
| Noncurrent loans to loans | 4.7274% | 1,209 |
| Net loans and leases to total assets | 80.2583% | 382 |
| Net loans and leases to deposits | 88.7626% | 1,081 |
| Net loans and leases to core deposits | 92.5156% | 1,595 |
| Total domestic deposits to total assets | 90.4190% | 854 |
| Equity capital to assets | 8.9941% | 5,503 |
| Core capital (leverage) ratio | 9.0012% | 4,844 |
| Tier 1 risk-based capital ratio | 10.3629% | 6,773 |
| Total risk-based capital ratio | 11.6164% | 6,772 |
| Memoranda: | ||
| Average total assets | $155,156,000 | 3,778 |
| Average earning assets | $147,462,500 | 3,671 |
| Average equity | $13,714,500 | 4,254 |
| Average total loans | $125,702,500 | 3,033 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2210% | 1,982 |
| Cost of funding earning assets | 1.0429% | 3,076 |
| Net interest margin | 4.1781% | 2,128 |
| Noninterest income to average assets | 0.3125% | 5,306 |
| Noninterest expense to average assets | 2.9687% | 3,706 |
| Loan and lease loss provision to assets | 1.0951% | 825 |
| Net operating income to assets | 0.5883% | 4,062 |
| Return on assets (ROA) | 0.7520% | 3,419 |
| Pretax return on assets | 0.3777% | 5,359 |
| Return on Equity (ROE) | 8.9966% | 2,451 |
| Retained earnings to average equity (ytd only) | 8.9966% | 802 |
| Net charge-offs to loans | 1.2331% | 1,354 |
| Credit loss provision to net charge-offs | 107.2522% | 3,156 |
| Earnings coverage of net charge-offs (x) | 1.2821% | 4,818 |
| Efficiency ratio | 69.3981% | 4,071 |
| Assets per employee ($millions) | 5.5511% | 1,581 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7421% | 3,051 |
| Loan loss allowance to noncurrent loans | 61.4322% | 4,438 |
| Noncurrent assets plus other real estate owned to assets | 2.9061% | 2,080 |
| Noncurrent loans to loans | 2.8358% | 2,311 |
| Net loans and leases to total assets | 79.0693% | 598 |
| Net loans and leases to deposits | 87.0587% | 1,513 |
| Net loans and leases to core deposits | 91.5190% | 1,939 |
| Total domestic deposits to total assets | 90.8230% | 576 |
| Equity capital to assets | 8.6848% | 5,916 |
| Core capital (leverage) ratio | 8.7833% | 5,131 |
| Tier 1 risk-based capital ratio | 9.8040% | 6,901 |
| Total risk-based capital ratio | 11.0497% | 6,894 |
| Memoranda: | ||
| Average total assets | $147,201,600 | 3,848 |
| Average earning assets | $139,706,000 | 3,754 |
| Average equity | $12,304,600 | 4,477 |
| Average total loans | $121,883,800 | 3,140 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3395% | 1,718 |
| Cost of funding earning assets | 1.0813% | 3,106 |
| Net interest margin | 4.2583% | 1,881 |
| Noninterest income to average assets | 0.2765% | 5,639 |
| Noninterest expense to average assets | 3.0020% | 3,548 |
| Loan and lease loss provision to assets | 1.1189% | 727 |
| Net operating income to assets | 0.1616% | 5,794 |
| Return on assets (ROA) | 0.3454% | 5,410 |
| Pretax return on assets | 0.4180% | 5,415 |
| Return on Equity (ROE) | 4.1756% | 4,925 |
| Retained earnings to average equity (ytd only) | 4.1756% | 3,759 |
| Net charge-offs to loans | 1.5680% | 905 |
| Credit loss provision to net charge-offs | 85.5337% | 3,943 |
| Earnings coverage of net charge-offs (x) | 1.0056% | 4,874 |
| Efficiency ratio | 69.5319% | 4,033 |
| Assets per employee ($millions) | 5.8907% | 1,273 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5009% | 4,088 |
| Loan loss allowance to noncurrent loans | 65.9356% | 4,160 |
| Noncurrent assets plus other real estate owned to assets | 2.5092% | 2,575 |
| Noncurrent loans to loans | 2.2763% | 3,027 |
| Net loans and leases to total assets | 79.8712% | 530 |
| Net loans and leases to deposits | 87.4598% | 1,501 |
| Net loans and leases to core deposits | 91.9401% | 2,000 |
| Total domestic deposits to total assets | 91.3234% | 340 |
| Equity capital to assets | 8.0563% | 6,659 |
| Core capital (leverage) ratio | 8.2413% | 6,070 |
| Tier 1 risk-based capital ratio | 9.1131% | 7,102 |
| Total risk-based capital ratio | 10.3642% | 7,100 |
| Memoranda: | ||
| Average total assets | $145,144,000 | 3,907 |
| Average earning assets | $137,736,500 | 3,807 |
| Average equity | $12,006,000 | 4,570 |
| Average total loans | $121,085,250 | 3,176 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3116% | 1,848 |
| Cost of funding earning assets | 1.1052% | 3,208 |
| Net interest margin | 4.2064% | 2,009 |
| Noninterest income to average assets | 0.3201% | 5,339 |
| Noninterest expense to average assets | 3.1304% | 3,140 |
| Loan and lease loss provision to assets | 0.4099% | 2,384 |
| Net operating income to assets | 0.6078% | 4,024 |
| Return on assets (ROA) | 0.6078% | 4,153 |
| Pretax return on assets | 0.7707% | 4,140 |
| Return on Equity (ROE) | 7.2804% | 3,305 |
| Retained earnings to average equity (ytd only) | 7.2804% | 1,749 |
| Net charge-offs to loans | 1.2778% | 1,215 |
| Credit loss provision to net charge-offs | 38.0704% | 4,851 |
| Earnings coverage of net charge-offs (x) | 1.0965% | 4,456 |
| Efficiency ratio | 72.6148% | 3,616 |
| Assets per employee ($millions) | 4.9792% | 2,159 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3150% | 4,989 |
| Loan loss allowance to noncurrent loans | 49.8438% | 5,033 |
| Noncurrent assets plus other real estate owned to assets | 2.9197% | 2,298 |
| Noncurrent loans to loans | 2.6382% | 2,750 |
| Net loans and leases to total assets | 82.8978% | 310 |
| Net loans and leases to deposits | 91.5251% | 1,111 |
| Net loans and leases to core deposits | 94.9052% | 1,809 |
| Total domestic deposits to total assets | 90.5739% | 688 |
| Equity capital to assets | 8.6719% | 5,974 |
| Core capital (leverage) ratio | 8.6755% | 5,266 |
| Tier 1 risk-based capital ratio | 9.2545% | 7,149 |
| Total risk-based capital ratio | 10.4397% | 7,154 |
| Memoranda: | ||
| Average total assets | $142,472,330 | 3,986 |
| Average earning assets | $135,176,330 | 3,880 |
| Average equity | $11,895,000 | 4,580 |
| Average total loans | $120,049,000 | 3,229 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2734% | 1,967 |
| Cost of funding earning assets | 1.1257% | 3,324 |
| Net interest margin | 4.1476% | 2,090 |
| Noninterest income to average assets | 0.2742% | 5,713 |
| Noninterest expense to average assets | 3.1404% | 3,105 |
| Loan and lease loss provision to assets | 0.3138% | 2,662 |
| Net operating income to assets | 0.7462% | 3,292 |
| Return on assets (ROA) | 0.7462% | 3,357 |
| Pretax return on assets | 0.7462% | 4,115 |
| Return on Equity (ROE) | 9.1180% | 2,426 |
| Retained earnings to average equity (ytd only) | 9.1180% | 1,346 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7645% | 3,375 |
| Assets per employee ($millions) | 5.1169% | 2,001 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8160% | 2,960 |
| Loan loss allowance to noncurrent loans | 64.5840% | 4,167 |
| Noncurrent assets plus other real estate owned to assets | 3.0662% | 2,250 |
| Noncurrent loans to loans | 2.8118% | 2,684 |
| Net loans and leases to total assets | 82.3045% | 323 |
| Net loans and leases to deposits | 90.6980% | 1,159 |
| Net loans and leases to core deposits | 93.6915% | 1,931 |
| Total domestic deposits to total assets | 90.7457% | 744 |
| Equity capital to assets | 8.4782% | 5,945 |
| Core capital (leverage) ratio | 8.6830% | 5,114 |
| Tier 1 risk-based capital ratio | 9.1556% | 7,206 |
| Total risk-based capital ratio | 10.4104% | 7,208 |
| Memoranda: | ||
| Average total assets | $141,510,000 | 4,037 |
| Average earning assets | $133,956,500 | 3,936 |
| Average equity | $11,581,500 | 4,649 |
| Average total loans | $119,425,000 | 3,271 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3976% | 2,681 |
| Cost of funding earning assets | 1.4250% | 3,107 |
| Net interest margin | 3.9726% | 3,134 |
| Noninterest income to average assets | 0.2858% | 5,739 |
| Noninterest expense to average assets | 3.1506% | 3,269 |
| Loan and lease loss provision to assets | 0.9685% | 1,672 |
| Net operating income to assets | -0.0781% | 5,957 |
| Return on assets (ROA) | 0.0324% | 5,884 |
| Pretax return on assets | 0.0324% | 5,830 |
| Return on Equity (ROE) | 0.3999% | 5,853 |
| Retained earnings to average equity (ytd only) | 0.3999% | 5,379 |
| Net charge-offs to loans | 0.7127% | 2,873 |
| Credit loss provision to net charge-offs | 162.7475% | 2,131 |
| Earnings coverage of net charge-offs (x) | 1.4963% | 4,634 |
| Efficiency ratio | 77.9661% | 2,716 |
| Assets per employee ($millions) | 5.1758% | 1,897 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7432% | 3,059 |
| Loan loss allowance to noncurrent loans | 61.6071% | 4,328 |
| Noncurrent assets plus other real estate owned to assets | 3.1314% | 2,259 |
| Noncurrent loans to loans | 2.8295% | 2,689 |
| Net loans and leases to total assets | 83.4929% | 345 |
| Net loans and leases to deposits | 91.3145% | 1,352 |
| Net loans and leases to core deposits | 94.3829% | 2,214 |
| Total domestic deposits to total assets | 91.4345% | 417 |
| Equity capital to assets | 7.8829% | 6,608 |
| Core capital (leverage) ratio | 7.8921% | 6,327 |
| Tier 1 risk-based capital ratio | 8.4313% | 7,310 |
| Total risk-based capital ratio | 9.6856% | 7,317 |
| Memoranda: | ||
| Average total assets | $135,783,000 | 4,142 |
| Average earning assets | $128,354,200 | 4,056 |
| Average equity | $11,003,800 | 4,862 |
| Average total loans | $113,370,000 | 3,466 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3632% | 3,059 |
| Cost of funding earning assets | 1.4997% | 2,985 |
| Net interest margin | 3.8634% | 3,688 |
| Noninterest income to average assets | 0.2720% | 5,935 |
| Noninterest expense to average assets | 3.2612% | 2,704 |
| Loan and lease loss provision to assets | 0.7982% | 1,903 |
| Net operating income to assets | -0.1385% | 6,229 |
| Return on assets (ROA) | -0.1385% | 6,313 |
| Pretax return on assets | -0.1385% | 6,262 |
| Return on Equity (ROE) | -1.6968% | 6,361 |
| Retained earnings to average equity (ytd only) | -1.6968% | 6,134 |
| Net charge-offs to loans | 0.5594% | 3,076 |
| Credit loss provision to net charge-offs | 171.7021% | 2,155 |
| Earnings coverage of net charge-offs (x) | 1.4191% | 4,663 |
| Efficiency ratio | 83.1736% | 1,933 |
| Assets per employee ($millions) | 4.9321% | 2,272 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6281% | 3,414 |
| Loan loss allowance to noncurrent loans | 56.2963% | 4,541 |
| Noncurrent assets plus other real estate owned to assets | 3.0700% | 2,361 |
| Noncurrent loans to loans | 2.8920% | 2,760 |
| Net loans and leases to total assets | 80.2650% | 702 |
| Net loans and leases to deposits | 87.7370% | 2,044 |
| Net loans and leases to core deposits | 89.8625% | 3,114 |
| Total domestic deposits to total assets | 91.4836% | 313 |
| Equity capital to assets | 7.7627% | 6,964 |
| Core capital (leverage) ratio | 7.6801% | 6,697 |
| Tier 1 risk-based capital ratio | 8.2853% | 7,450 |
| Total risk-based capital ratio | 9.5379% | 7,455 |
| Memoranda: | ||
| Average total assets | $134,792,250 | 4,212 |
| Average earning assets | $127,310,000 | 4,127 |
| Average equity | $11,000,750 | 4,924 |
| Average total loans | $112,025,500 | 3,554 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3493% | 3,218 |
| Cost of funding earning assets | 1.5833% | 2,753 |
| Net interest margin | 3.7660% | 4,064 |
| Noninterest income to average assets | 0.2529% | 6,103 |
| Noninterest expense to average assets | 3.3185% | 2,506 |
| Loan and lease loss provision to assets | 1.0269% | 1,420 |
| Net operating income to assets | -0.5331% | 6,679 |
| Return on assets (ROA) | -0.5331% | 6,715 |
| Pretax return on assets | -0.5331% | 6,613 |
| Return on Equity (ROE) | -6.4195% | 6,798 |
| Retained earnings to average equity (ytd only) | -6.4195% | 6,689 |
| Net charge-offs to loans | 0.0996% | 5,153 |
| Credit loss provision to net charge-offs | 1,232.7273% | 318 |
| Earnings coverage of net charge-offs (x) | 5.9273% | 2,567 |
| Efficiency ratio | 87.0481% | 1,598 |
| Assets per employee ($millions) | 4.5953% | 2,739 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8749% | 2,493 |
| Loan loss allowance to noncurrent loans | 47.8651% | 5,101 |
| Noncurrent assets plus other real estate owned to assets | 4.0520% | 1,696 |
| Noncurrent loans to loans | 3.9171% | 1,945 |
| Net loans and leases to total assets | 82.9868% | 441 |
| Net loans and leases to deposits | 90.8235% | 1,723 |
| Net loans and leases to core deposits | 93.4803% | 2,794 |
| Total domestic deposits to total assets | 91.3716% | 366 |
| Equity capital to assets | 7.8965% | 6,850 |
| Core capital (leverage) ratio | 7.8333% | 6,460 |
| Tier 1 risk-based capital ratio | 8.1894% | 7,511 |
| Total risk-based capital ratio | 9.4445% | 7,522 |
| Memoranda: | ||
| Average total assets | $132,046,330 | 4,295 |
| Average earning assets | $124,800,670 | 4,215 |
| Average equity | $10,966,670 | 4,931 |
| Average total loans | $110,466,330 | 3,619 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3058% | 3,519 |
| Cost of funding earning assets | 1.6409% | 2,702 |
| Net interest margin | 3.6649% | 4,411 |
| Noninterest income to average assets | 0.2385% | 6,247 |
| Noninterest expense to average assets | 3.3855% | 2,278 |
| Loan and lease loss provision to assets | 0.7434% | 1,713 |
| Net operating income to assets | -0.4243% | 6,783 |
| Return on assets (ROA) | -0.4243% | 6,817 |
| Pretax return on assets | -0.4243% | 6,734 |
| Return on Equity (ROE) | -4.9786% | 6,883 |
| Retained earnings to average equity (ytd only) | -4.9786% | 6,589 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.3880% | 1,322 |
| Assets per employee ($millions) | 4.2335% | 3,404 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6368% | 3,302 |
| Loan loss allowance to noncurrent loans | 56.5204% | 4,564 |
| Noncurrent assets plus other real estate owned to assets | 3.3140% | 2,164 |
| Noncurrent loans to loans | 2.8960% | 2,785 |
| Net loans and leases to total assets | 85.3101% | 266 |
| Net loans and leases to deposits | 94.3199% | 1,314 |
| Net loans and leases to core deposits | 96.8846% | 2,474 |
| Total domestic deposits to total assets | 90.4477% | 763 |
| Equity capital to assets | 8.6413% | 5,815 |
| Core capital (leverage) ratio | 8.3744% | 5,602 |
| Tier 1 risk-based capital ratio | 8.7685% | 7,520 |
| Total risk-based capital ratio | 10.0207% | 7,545 |
| Memoranda: | ||
| Average total assets | $129,140,500 | 4,433 |
| Average earning assets | $122,131,000 | 4,326 |
| Average equity | $11,007,000 | 4,971 |
| Average total loans | $107,404,500 | 3,746 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4433% | 4,476 |
| Cost of funding earning assets | 2.4095% | 1,272 |
| Net interest margin | 3.0338% | 6,553 |
| Noninterest income to average assets | 0.3270% | 5,744 |
| Noninterest expense to average assets | 3.6578% | 2,011 |
| Loan and lease loss provision to assets | 0.9088% | 2,476 |
| Net operating income to assets | -1.4487% | 6,831 |
| Return on assets (ROA) | -1.3405% | 6,788 |
| Pretax return on assets | -1.3405% | 6,621 |
| Return on Equity (ROE) | -13.4113% | 6,852 |
| Retained earnings to average equity (ytd only) | -13.4113% | 6,778 |
| Net charge-offs to loans | 0.2856% | 4,844 |
| Credit loss provision to net charge-offs | 409.0566% | 773 |
| Earnings coverage of net charge-offs (x) | -2.4302% | 7,030 |
| Efficiency ratio | 117.3165% | 653 |
| Assets per employee ($millions) | 4.1023% | 3,606 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4935% | 3,765 |
| Loan loss allowance to noncurrent loans | 49.4934% | 5,083 |
| Noncurrent assets plus other real estate owned to assets | 3.1819% | 2,167 |
| Noncurrent loans to loans | 3.0175% | 2,556 |
| Net loans and leases to total assets | 78.5329% | 1,276 |
| Net loans and leases to deposits | 86.4795% | 2,826 |
| Net loans and leases to core deposits | 110.0538% | 2,888 |
| Total domestic deposits to total assets | 90.8109% | 612 |
| Equity capital to assets | 8.4091% | 6,044 |
| Core capital (leverage) ratio | 8.1706% | 5,868 |
| Tier 1 risk-based capital ratio | 9.1382% | 7,408 |
| Total risk-based capital ratio | 10.3889% | 7,420 |
| Memoranda: | ||
| Average total assets | $119,279,600 | 4,595 |
| Average earning assets | $109,731,400 | 4,573 |
| Average equity | $11,922,800 | 4,768 |
| Average total loans | $92,792,600 | 4,140 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4807% | 4,515 |
| Cost of funding earning assets | 2.5989% | 1,036 |
| Net interest margin | 2.8818% | 6,898 |
| Noninterest income to average assets | 0.3715% | 5,539 |
| Noninterest expense to average assets | 3.6646% | 1,903 |
| Loan and lease loss provision to assets | 0.5710% | 3,100 |
| Net operating income to assets | -1.2361% | 6,979 |
| Return on assets (ROA) | -1.0881% | 6,895 |
| Pretax return on assets | -1.0881% | 6,746 |
| Return on Equity (ROE) | -10.4194% | 6,923 |
| Retained earnings to average equity (ytd only) | -10.4194% | 6,843 |
| Net charge-offs to loans | 0.0178% | 6,669 |
| Credit loss provision to net charge-offs | 4,150.0000% | 99 |
| Earnings coverage of net charge-offs (x) | -48.3319% | 6,960 |
| Efficiency ratio | 122.1713% | 558 |
| Assets per employee ($millions) | 4.5909% | 2,709 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2377% | 4,915 |
| Loan loss allowance to noncurrent loans | 82.2742% | 3,318 |
| Noncurrent assets plus other real estate owned to assets | 1.8827% | 3,534 |
| Noncurrent loans to loans | 1.5043% | 4,403 |
| Net loans and leases to total assets | 71.2644% | 3,205 |
| Net loans and leases to deposits | 78.6007% | 4,639 |
| Net loans and leases to core deposits | 98.4691% | 4,558 |
| Total domestic deposits to total assets | 90.6664% | 529 |
| Equity capital to assets | 8.5240% | 6,224 |
| Core capital (leverage) ratio | 8.7085% | 5,111 |
| Tier 1 risk-based capital ratio | 9.9932% | 6,991 |
| Total risk-based capital ratio | 11.0447% | 7,107 |
| Memoranda: | ||
| Average total assets | $116,280,750 | 4,691 |
| Average earning assets | $106,042,500 | 4,706 |
| Average equity | $12,143,750 | 4,757 |
| Average total loans | $89,826,500 | 4,253 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3032% | 5,646 |
| Cost of funding earning assets | 2.6896% | 1,060 |
| Net interest margin | 2.6136% | 7,344 |
| Noninterest income to average assets | 0.4417% | 4,919 |
| Noninterest expense to average assets | 3.9640% | 1,381 |
| Loan and lease loss provision to assets | 0.6744% | 2,411 |
| Net operating income to assets | -1.7392% | 7,338 |
| Return on assets (ROA) | -1.5028% | 7,250 |
| Pretax return on assets | -1.5028% | 7,091 |
| Return on Equity (ROE) | -13.3569% | 7,243 |
| Retained earnings to average equity (ytd only) | -13.3569% | 7,138 |
| Net charge-offs to loans | 0.0277% | 6,088 |
| Credit loss provision to net charge-offs | 3,066.6667% | 159 |
| Earnings coverage of net charge-offs (x) | -48.4167% | 6,597 |
| Efficiency ratio | 136.7257% | 464 |
| Assets per employee ($millions) | 4.2523% | 3,200 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1769% | 5,097 |
| Loan loss allowance to noncurrent loans | 78.8530% | 3,551 |
| Noncurrent assets plus other real estate owned to assets | 1.9542% | 3,263 |
| Noncurrent loans to loans | 1.4926% | 4,260 |
| Net loans and leases to total assets | 72.4016% | 3,115 |
| Net loans and leases to deposits | 80.6909% | 4,440 |
| Net loans and leases to core deposits | 99.9751% | 4,516 |
| Total domestic deposits to total assets | 89.7271% | 948 |
| Equity capital to assets | 9.2185% | 4,987 |
| Core capital (leverage) ratio | 10.0826% | 3,207 |
| Tier 1 risk-based capital ratio | 10.7112% | 6,173 |
| Total risk-based capital ratio | 11.7082% | 6,364 |
| Memoranda: | ||
| Average total assets | $109,131,670 | 4,906 |
| Average earning assets | $102,617,670 | 4,824 |
| Average equity | $12,278,330 | 4,743 |
| Average total loans | $86,641,670 | 4,374 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4053% | 5,400 |
| Cost of funding earning assets | 2.7836% | 1,017 |
| Net interest margin | 2.6217% | 7,337 |
| Noninterest income to average assets | 0.6165% | 3,430 |
| Noninterest expense to average assets | 4.1516% | 997 |
| Loan and lease loss provision to assets | 0.9528% | 1,366 |
| Net operating income to assets | -2.0258% | 7,669 |
| Return on assets (ROA) | -1.5093% | 7,501 |
| Pretax return on assets | -1.5093% | 7,364 |
| Return on Equity (ROE) | -12.0279% | 7,475 |
| Retained earnings to average equity (ytd only) | -12.0279% | 7,266 |
| Net charge-offs to loans | 0.0577% | 4,663 |
| Credit loss provision to net charge-offs | 1,983.3333% | 327 |
| Earnings coverage of net charge-offs (x) | -22.3333% | 5,670 |
| Efficiency ratio | 134.8505% | 460 |
| Assets per employee ($millions) | 3.8346% | 4,015 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1022% | 5,456 |
| Loan loss allowance to noncurrent loans | 79.4431% | 3,693 |
| Noncurrent assets plus other real estate owned to assets | 2.1598% | 2,656 |
| Noncurrent loans to loans | 1.3874% | 4,230 |
| Net loans and leases to total assets | 81.0617% | 1,191 |
| Net loans and leases to deposits | 92.7998% | 2,470 |
| Net loans and leases to core deposits | 125.1884% | 1,979 |
| Total domestic deposits to total assets | 87.3512% | 2,038 |
| Equity capital to assets | 11.4296% | 2,632 |
| Core capital (leverage) ratio | 12.3664% | 1,738 |
| Tier 1 risk-based capital ratio | 12.1059% | 4,865 |
| Total risk-based capital ratio | 13.0637% | 5,024 |
| Memoranda: | ||
| Average total assets | $99,913,000 | 5,185 |
| Average earning assets | $93,834,000 | 5,092 |
| Average equity | $12,537,500 | 4,695 |
| Average total loans | $83,231,500 | 4,520 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7487% | 6,605 |
| Cost of funding earning assets | 2.8163% | 2,639 |
| Net interest margin | 2.9324% | 7,073 |
| Noninterest income to average assets | 0.1950% | 7,061 |
| Noninterest expense to average assets | 4.5799% | 826 |
| Loan and lease loss provision to assets | 0.6887% | 2,122 |
| Net operating income to assets | -2.3216% | 7,662 |
| Return on assets (ROA) | -2.3216% | 7,628 |
| Pretax return on assets | -2.3216% | 7,538 |
| Return on Equity (ROE) | -12.6757% | 7,477 |
| Retained earnings to average equity (ytd only) | -12.6757% | 7,305 |
| Net charge-offs to loans | 0.3577% | 3,044 |
| Credit loss provision to net charge-offs | 243.8095% | 1,907 |
| Earnings coverage of net charge-offs (x) | -5.7810% | 6,851 |
| Efficiency ratio | 155.4085% | 328 |
| Assets per employee ($millions) | 3.1881% | 5,515 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9483% | 6,403 |
| Loan loss allowance to noncurrent loans | 6,200.0000% | 116 |
| Noncurrent assets plus other real estate owned to assets | 1.2006% | 3,843 |
| Noncurrent loans to loans | 0.0153% | 7,475 |
| Net loans and leases to total assets | 84.0540% | 878 |
| Net loans and leases to deposits | 98.8174% | 2,009 |
| Net loans and leases to core deposits | 136.0903% | 1,477 |
| Total domestic deposits to total assets | 85.0599% | 2,816 |
| Equity capital to assets | 13.8477% | 1,480 |
| Core capital (leverage) ratio | 14.6706% | 1,100 |
| Tier 1 risk-based capital ratio | 12.5368% | 4,412 |
| Total risk-based capital ratio | 13.2748% | 4,683 |
| Memoranda: | ||
| Average total assets | $74,346,200 | 5,902 |
| Average earning assets | $69,772,200 | 5,827 |
| Average equity | $13,616,600 | 4,419 |
| Average total loans | $58,711,000 | 5,334 |