Home > Independence Federal Bank For Savings > Performance and Condition Ratios
Independence Federal Bank For Savings, 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 | 2.8939% | 6,430 |
| Cost of funding earning assets | 1.5185% | 50 |
| Net interest margin | 1.3754% | 6,732 |
| Noninterest income to average assets | 0.0500% | 6,550 |
| Noninterest expense to average assets | 2.9373% | 3,240 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | -1.5662% | 6,681 |
| Return on assets (ROA) | -1.5662% | 6,676 |
| Pretax return on assets | -1.5412% | 6,669 |
| Return on Equity (ROE) | -20.2878% | 6,685 |
| Retained earnings to average equity (ytd only) | -20.2878% | 6,668 |
| Net charge-offs to loans | 0.0667% | 4,280 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | -44.0000% | 5,454 |
| Efficiency ratio | 210.3943% | 27 |
| Assets per employee ($millions) | 4.8825% | 2,328 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4073% | 3,620 |
| Loan loss allowance to noncurrent loans | 55.8052% | 5,018 |
| Noncurrent assets plus other real estate owned to assets | 1.8280% | 2,005 |
| Noncurrent loans to loans | 2.5217% | 1,493 |
| Net loans and leases to total assets | 53.4511% | 4,660 |
| Net loans and leases to deposits | 57.8851% | 5,135 |
| Net loans and leases to core deposits | 59.5765% | 5,247 |
| Total domestic deposits to total assets | 92.3400% | 225 |
| Equity capital to assets | 7.0302% | 6,449 |
| Core capital (leverage) ratio | 7.3575% | 6,424 |
| Tier 1 risk-based capital ratio | 19.1424% | 1,876 |
| Total risk-based capital ratio | 20.4036% | 1,837 |
| Memoranda: | ||
| Average total assets | $19,984,600 | 6,697 |
| Average earning assets | $19,558,400 | 6,666 |
| Average equity | $1,542,800 | 6,755 |
| Average total loans | $10,487,400 | 6,570 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9981% | 6,424 |
| Cost of funding earning assets | 1.4990% | 52 |
| Net interest margin | 1.4990% | 6,808 |
| Noninterest income to average assets | 0.0531% | 6,624 |
| Noninterest expense to average assets | 2.7000% | 4,021 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | -1.2140% | 6,732 |
| Return on assets (ROA) | -1.2140% | 6,732 |
| Pretax return on assets | -1.1808% | 6,720 |
| Return on Equity (ROE) | -15.3913% | 6,734 |
| Retained earnings to average equity (ytd only) | -15.3913% | 6,707 |
| Net charge-offs to loans | 0.0892% | 3,681 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | -25.4373% | 5,183 |
| Efficiency ratio | 177.7293% | 38 |
| Assets per employee ($millions) | 4.9470% | 2,243 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3799% | 3,987 |
| Loan loss allowance to noncurrent loans | 44.4776% | 5,462 |
| Noncurrent assets plus other real estate owned to assets | 2.1478% | 1,861 |
| Noncurrent loans to loans | 3.1024% | 1,281 |
| Net loans and leases to total assets | 53.8154% | 4,642 |
| Net loans and leases to deposits | 57.9601% | 5,199 |
| Net loans and leases to core deposits | 59.6148% | 5,329 |
| Total domestic deposits to total assets | 92.8492% | 135 |
| Equity capital to assets | 7.0194% | 6,548 |
| Core capital (leverage) ratio | 7.5892% | 6,415 |
| Tier 1 risk-based capital ratio | 19.8372% | 1,773 |
| Total risk-based capital ratio | 21.0844% | 1,743 |
| Memoranda: | ||
| Average total assets | $20,098,250 | 6,772 |
| Average earning assets | $19,656,500 | 6,737 |
| Average equity | $1,585,250 | 6,828 |
| Average total loans | $10,462,250 | 6,644 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9196% | 6,517 |
| Cost of funding earning assets | 1.5004% | 53 |
| Net interest margin | 1.4193% | 6,861 |
| Noninterest income to average assets | 0.0495% | 6,673 |
| Noninterest expense to average assets | 2.9998% | 3,003 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | -1.6137% | 6,819 |
| Return on assets (ROA) | -1.6137% | 6,822 |
| Pretax return on assets | -1.5642% | 6,809 |
| Return on Equity (ROE) | -19.7496% | 6,827 |
| Retained earnings to average equity (ytd only) | -19.7496% | 6,802 |
| Net charge-offs to loans | 0.1353% | 3,021 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | -22.5714% | 4,884 |
| Efficiency ratio | 208.9655% | 29 |
| Assets per employee ($millions) | 4.9123% | 2,209 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4561% | 3,787 |
| Loan loss allowance to noncurrent loans | 51.0274% | 5,156 |
| Noncurrent assets plus other real estate owned to assets | 1.9441% | 2,231 |
| Noncurrent loans to loans | 2.8535% | 1,584 |
| Net loans and leases to total assets | 51.3207% | 4,951 |
| Net loans and leases to deposits | 55.8516% | 5,359 |
| Net loans and leases to core deposits | 56.6612% | 5,548 |
| Total domestic deposits to total assets | 91.8876% | 269 |
| Equity capital to assets | 7.9851% | 6,208 |
| Core capital (leverage) ratio | 7.9577% | 6,212 |
| Tier 1 risk-based capital ratio | 21.5427% | 1,379 |
| Total risk-based capital ratio | 22.7824% | 1,350 |
| Memoranda: | ||
| Average total assets | $20,201,670 | 6,821 |
| Average earning assets | $19,728,670 | 6,785 |
| Average equity | $1,650,670 | 6,869 |
| Average total loans | $10,350,330 | 6,688 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7671% | 6,697 |
| Cost of funding earning assets | 1.4838% | 64 |
| Net interest margin | 1.2833% | 6,958 |
| Noninterest income to average assets | 0.0195% | 6,812 |
| Noninterest expense to average assets | 3.0081% | 2,964 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -1.8361% | 6,916 |
| Return on assets (ROA) | -1.8361% | 6,917 |
| Pretax return on assets | -1.7385% | 6,896 |
| Return on Equity (ROE) | -22.2288% | 6,910 |
| Retained earnings to average equity (ytd only) | -22.2288% | 6,856 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 236.9231% | 22 |
| Assets per employee ($millions) | 5.0443% | 2,155 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5036% | 3,810 |
| Loan loss allowance to noncurrent loans | 33.9130% | 5,876 |
| Noncurrent assets plus other real estate owned to assets | 2.9142% | 1,546 |
| Noncurrent loans to loans | 4.4337% | 953 |
| Net loans and leases to total assets | 50.6468% | 4,903 |
| Net loans and leases to deposits | 56.5304% | 5,196 |
| Net loans and leases to core deposits | 57.3457% | 5,400 |
| Total domestic deposits to total assets | 89.5921% | 1,301 |
| Equity capital to assets | 8.1182% | 6,320 |
| Core capital (leverage) ratio | 8.0914% | 6,058 |
| Tier 1 risk-based capital ratio | 21.7850% | 1,378 |
| Total risk-based capital ratio | 23.0523% | 1,344 |
| Memoranda: | ||
| Average total assets | $20,478,000 | 6,891 |
| Average earning assets | $19,949,000 | 6,852 |
| Average equity | $1,691,500 | 6,927 |
| Average total loans | $10,409,000 | 6,753 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5391% | 6,310 |
| Cost of funding earning assets | 2.0472% | 23 |
| Net interest margin | 1.4919% | 6,993 |
| Noninterest income to average assets | -0.1054% | 6,920 |
| Noninterest expense to average assets | 2.5802% | 4,813 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | -1.2557% | 6,807 |
| Return on assets (ROA) | -1.0220% | 6,770 |
| Pretax return on assets | -0.9991% | 6,734 |
| Return on Equity (ROE) | -11.8290% | 6,760 |
| Retained earnings to average equity (ytd only) | -11.8290% | 6,692 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 191.4966% | 45 |
| Assets per employee ($millions) | 5.1948% | 1,993 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4938% | 3,771 |
| Loan loss allowance to noncurrent loans | 50.1608% | 5,122 |
| Noncurrent assets plus other real estate owned to assets | 1.9298% | 2,537 |
| Noncurrent loans to loans | 2.9781% | 1,754 |
| Net loans and leases to total assets | 49.5067% | 5,236 |
| Net loans and leases to deposits | 58.8872% | 5,140 |
| Net loans and leases to core deposits | 59.7630% | 5,386 |
| Total domestic deposits to total assets | 84.0705% | 4,285 |
| Equity capital to assets | 8.3979% | 6,123 |
| Core capital (leverage) ratio | 8.3113% | 5,875 |
| Tier 1 risk-based capital ratio | 22.2983% | 1,213 |
| Total risk-based capital ratio | 22.2983% | 1,422 |
| Memoranda: | ||
| Average total assets | $21,820,000 | 6,935 |
| Average earning assets | $21,248,600 | 6,880 |
| Average equity | $1,885,200 | 6,970 |
| Average total loans | $11,339,600 | 6,798 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6036% | 6,392 |
| Cost of funding earning assets | 2.1894% | 15 |
| Net interest margin | 1.4141% | 7,115 |
| Noninterest income to average assets | -0.1509% | 7,054 |
| Noninterest expense to average assets | 2.6328% | 4,627 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | -1.4673% | 6,960 |
| Return on assets (ROA) | -1.2862% | 6,946 |
| Pretax return on assets | -1.2258% | 6,916 |
| Return on Equity (ROE) | -14.7892% | 6,930 |
| Retained earnings to average equity (ytd only) | -14.7892% | 6,902 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 214.7783% | 34 |
| Assets per employee ($millions) | 5.3195% | 1,811 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4196% | 4,290 |
| Loan loss allowance to noncurrent loans | 39.7959% | 5,657 |
| Noncurrent assets plus other real estate owned to assets | 2.2653% | 2,350 |
| Noncurrent loans to loans | 3.5672% | 1,516 |
| Net loans and leases to total assets | 50.9117% | 5,202 |
| Net loans and leases to deposits | 62.3877% | 4,914 |
| Net loans and leases to core deposits | 63.3139% | 5,227 |
| Total domestic deposits to total assets | 81.6054% | 5,161 |
| Equity capital to assets | 8.5675% | 6,205 |
| Core capital (leverage) ratio | 8.1634% | 6,175 |
| Tier 1 risk-based capital ratio | 21.7424% | 1,373 |
| Total risk-based capital ratio | 21.7424% | 1,605 |
| Memoranda: | ||
| Average total assets | $22,080,250 | 7,018 |
| Average earning assets | $21,496,750 | 6,962 |
| Average equity | $1,920,250 | 7,056 |
| Average total loans | $11,563,750 | 6,883 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5152% | 6,589 |
| Cost of funding earning assets | 2.3925% | 11 |
| Net interest margin | 1.1226% | 7,202 |
| Noninterest income to average assets | -0.2416% | 7,141 |
| Noninterest expense to average assets | 2.7564% | 4,196 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | -1.3514% | 6,989 |
| Return on assets (ROA) | -1.3514% | 7,007 |
| Pretax return on assets | -1.9062% | 7,057 |
| Return on Equity (ROE) | -15.4660% | 6,980 |
| Retained earnings to average equity (ytd only) | -15.4660% | 6,944 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 324.2105% | 18 |
| Assets per employee ($millions) | 5.4613% | 1,649 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3565% | 4,635 |
| Loan loss allowance to noncurrent loans | 66.3830% | 4,347 |
| Noncurrent assets plus other real estate owned to assets | 1.4878% | 3,470 |
| Noncurrent loans to loans | 2.0435% | 2,896 |
| Net loans and leases to total assets | 51.9295% | 5,110 |
| Net loans and leases to deposits | 62.3331% | 4,956 |
| Net loans and leases to core deposits | 64.1085% | 5,201 |
| Total domestic deposits to total assets | 83.3097% | 4,622 |
| Equity capital to assets | 8.7114% | 6,014 |
| Core capital (leverage) ratio | 8.2353% | 6,006 |
| Tier 1 risk-based capital ratio | 21.8936% | 1,316 |
| Total risk-based capital ratio | 23.2445% | 1,269 |
| Memoranda: | ||
| Average total assets | $22,347,670 | 7,071 |
| Average earning assets | $21,734,330 | 7,018 |
| Average equity | $1,952,670 | 7,097 |
| Average total loans | $11,755,330 | 6,939 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3798% | 6,837 |
| Cost of funding earning assets | 2.5212% | 8 |
| Net interest margin | 0.8587% | 7,277 |
| Noninterest income to average assets | 0.0531% | 6,916 |
| Noninterest expense to average assets | 3.1152% | 2,865 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -1.5930% | 7,106 |
| Return on assets (ROA) | -1.5930% | 7,110 |
| Pretax return on assets | -2.2302% | 7,157 |
| Return on Equity (ROE) | -18.2048% | 7,096 |
| Retained earnings to average equity (ytd only) | -18.2048% | 7,023 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 352.0000% | 14 |
| Assets per employee ($millions) | 5.8945% | 1,346 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3170% | 4,942 |
| Loan loss allowance to noncurrent loans | 65.8228% | 4,221 |
| Noncurrent assets plus other real estate owned to assets | 1.6880% | 3,329 |
| Noncurrent loans to loans | 2.0008% | 3,164 |
| Net loans and leases to total assets | 49.5759% | 5,367 |
| Net loans and leases to deposits | 62.0435% | 4,914 |
| Net loans and leases to core deposits | 62.0435% | 5,320 |
| Total domestic deposits to total assets | 79.9050% | 5,875 |
| Equity capital to assets | 8.5037% | 6,079 |
| Core capital (leverage) ratio | 7.8887% | 6,342 |
| Tier 1 risk-based capital ratio | 20.4756% | 1,596 |
| Total risk-based capital ratio | 21.6975% | 1,577 |
| Memoranda: | ||
| Average total assets | $22,599,000 | 7,127 |
| Average earning assets | $21,894,500 | 7,080 |
| Average equity | $1,977,500 | 7,151 |
| Average total loans | $11,883,000 | 6,989 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4530% | 5,241 |
| Cost of funding earning assets | 2.8580% | 11 |
| Net interest margin | 1.5950% | 7,282 |
| Noninterest income to average assets | 0.0090% | 6,956 |
| Noninterest expense to average assets | 2.4094% | 5,748 |
| Loan and lease loss provision to assets | 0.0271% | 6,237 |
| Net operating income to assets | -0.5232% | 6,506 |
| Return on assets (ROA) | -0.2662% | 6,371 |
| Pretax return on assets | -0.4873% | 6,487 |
| Return on Equity (ROE) | -2.7322% | 6,385 |
| Retained earnings to average equity (ytd only) | -2.7322% | 6,238 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 155.6851% | 125 |
| Assets per employee ($millions) | 5.4050% | 1,739 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3086% | 4,864 |
| Loan loss allowance to noncurrent loans | 50.0000% | 5,022 |
| Noncurrent assets plus other real estate owned to assets | 1.8594% | 3,174 |
| Noncurrent loans to loans | 2.6172% | 2,498 |
| Net loans and leases to total assets | 54.4172% | 4,973 |
| Net loans and leases to deposits | 62.0681% | 5,234 |
| Net loans and leases to core deposits | 62.0681% | 5,646 |
| Total domestic deposits to total assets | 87.6735% | 2,355 |
| Equity capital to assets | 9.0194% | 5,530 |
| Core capital (leverage) ratio | 8.8719% | 4,988 |
| Tier 1 risk-based capital ratio | 19.5030% | 1,757 |
| Total risk-based capital ratio | 20.7455% | 1,726 |
| Memoranda: | ||
| Average total assets | $22,163,200 | 7,158 |
| Average earning assets | $21,378,800 | 7,120 |
| Average equity | $2,159,400 | 7,188 |
| Average total loans | $12,466,400 | 7,013 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4280% | 5,504 |
| Cost of funding earning assets | 2.8776% | 13 |
| Net interest margin | 1.5504% | 7,359 |
| Noninterest income to average assets | 0.0000% | 7,100 |
| Noninterest expense to average assets | 2.6368% | 4,948 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | -0.6874% | 6,753 |
| Return on assets (ROA) | -0.3468% | 6,594 |
| Pretax return on assets | -0.6099% | 6,681 |
| Return on Equity (ROE) | -3.4963% | 6,596 |
| Retained earnings to average equity (ytd only) | -3.4963% | 6,471 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 176.4000% | 80 |
| Assets per employee ($millions) | 5.5868% | 1,516 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2086% | 5,426 |
| Loan loss allowance to noncurrent loans | 43.8596% | 5,395 |
| Noncurrent assets plus other real estate owned to assets | 1.9331% | 3,222 |
| Noncurrent loans to loans | 2.7556% | 2,535 |
| Net loans and leases to total assets | 54.8664% | 5,018 |
| Net loans and leases to deposits | 66.1077% | 4,887 |
| Net loans and leases to core deposits | 66.1077% | 5,404 |
| Total domestic deposits to total assets | 82.9955% | 4,685 |
| Equity capital to assets | 9.6747% | 4,815 |
| Core capital (leverage) ratio | 9.3949% | 4,313 |
| Tier 1 risk-based capital ratio | 20.7136% | 1,520 |
| Total risk-based capital ratio | 21.9227% | 1,495 |
| Memoranda: | ||
| Average total assets | $22,299,000 | 7,227 |
| Average earning assets | $21,499,000 | 7,190 |
| Average equity | $2,211,750 | 7,251 |
| Average total loans | $12,602,750 | 7,075 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5208% | 5,290 |
| Cost of funding earning assets | 2.9082% | 13 |
| Net interest margin | 1.6126% | 7,436 |
| Noninterest income to average assets | 0.0000% | 7,188 |
| Noninterest expense to average assets | 2.6747% | 4,922 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | -0.6365% | 6,781 |
| Return on assets (ROA) | -0.3321% | 6,600 |
| Pretax return on assets | -0.6462% | 6,734 |
| Return on Equity (ROE) | -3.3209% | 6,609 |
| Retained earnings to average equity (ytd only) | -3.3209% | 6,407 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 172.2543% | 94 |
| Assets per employee ($millions) | 5.6305% | 1,459 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1978% | 5,551 |
| Loan loss allowance to noncurrent loans | 43.8596% | 5,397 |
| Noncurrent assets plus other real estate owned to assets | 1.9181% | 3,351 |
| Noncurrent loans to loans | 2.7310% | 2,665 |
| Net loans and leases to total assets | 54.9374% | 5,156 |
| Net loans and leases to deposits | 66.5322% | 4,918 |
| Net loans and leases to core deposits | 66.5322% | 5,444 |
| Total domestic deposits to total assets | 82.5726% | 4,957 |
| Equity capital to assets | 9.8215% | 4,366 |
| Core capital (leverage) ratio | 9.4153% | 4,080 |
| Tier 1 risk-based capital ratio | 20.8948% | 1,444 |
| Total risk-based capital ratio | 22.1023% | 1,425 |
| Memoranda: | ||
| Average total assets | $22,283,000 | 7,300 |
| Average earning assets | $21,456,330 | 7,259 |
| Average equity | $2,228,330 | 7,310 |
| Average total loans | $12,666,670 | 7,138 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7523% | 4,288 |
| Cost of funding earning assets | 2.9490% | 13 |
| Net interest margin | 1.8032% | 7,452 |
| Noninterest income to average assets | 0.0000% | 7,288 |
| Noninterest expense to average assets | 2.8335% | 4,319 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -0.4678% | 6,787 |
| Return on assets (ROA) | 0.1444% | 6,015 |
| Pretax return on assets | -0.1444% | 6,485 |
| Return on Equity (ROE) | 1.4308% | 6,007 |
| Retained earnings to average equity (ytd only) | 1.4308% | 5,247 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 163.5417% | 113 |
| Assets per employee ($millions) | 5.3820% | 1,681 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1783% | 5,725 |
| Loan loss allowance to noncurrent loans | 35.7143% | 5,916 |
| Noncurrent assets plus other real estate owned to assets | 2.3690% | 2,878 |
| Noncurrent loans to loans | 3.2993% | 2,280 |
| Net loans and leases to total assets | 58.4355% | 4,568 |
| Net loans and leases to deposits | 69.4605% | 4,439 |
| Net loans and leases to core deposits | 69.4605% | 5,117 |
| Total domestic deposits to total assets | 84.1276% | 4,439 |
| Equity capital to assets | 10.2378% | 3,486 |
| Core capital (leverage) ratio | 10.0372% | 3,100 |
| Tier 1 risk-based capital ratio | 21.8462% | 1,252 |
| Total risk-based capital ratio | 23.0824% | 1,227 |
| Memoranda: | ||
| Average total assets | $22,163,500 | 7,356 |
| Average earning assets | $21,295,000 | 7,315 |
| Average equity | $2,236,500 | 7,361 |
| Average total loans | $12,738,500 | 7,190 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6273% | 6,032 |
| Cost of funding earning assets | 2.8821% | 38 |
| Net interest margin | 1.7452% | 7,511 |
| Noninterest income to average assets | 0.0000% | 7,282 |
| Noninterest expense to average assets | 2.6120% | 5,365 |
| Loan and lease loss provision to assets | 0.2698% | 4,649 |
| Net operating income to assets | -0.8764% | 6,617 |
| Return on assets (ROA) | -0.5138% | 6,429 |
| Pretax return on assets | -0.7022% | 6,458 |
| Return on Equity (ROE) | -5.0399% | 6,432 |
| Retained earnings to average equity (ytd only) | -5.0399% | 6,301 |
| Net charge-offs to loans | 0.0459% | 6,345 |
| Credit loss provision to net charge-offs | 1,050.0000% | 213 |
| Earnings coverage of net charge-offs (x) | -36.1667% | 6,832 |
| Efficiency ratio | 155.2163% | 184 |
| Assets per employee ($millions) | 5.6998% | 1,425 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1767% | 5,617 |
| Loan loss allowance to noncurrent loans | 33.5570% | 6,077 |
| Noncurrent assets plus other real estate owned to assets | 2.3554% | 2,911 |
| Noncurrent loans to loans | 3.5067% | 2,155 |
| Net loans and leases to total assets | 55.2524% | 5,449 |
| Net loans and leases to deposits | 69.2447% | 4,919 |
| Net loans and leases to core deposits | 69.2447% | 5,519 |
| Total domestic deposits to total assets | 79.7930% | 5,890 |
| Equity capital to assets | 9.9522% | 3,806 |
| Core capital (leverage) ratio | 9.5011% | 3,705 |
| Tier 1 risk-based capital ratio | 21.6271% | 1,227 |
| Total risk-based capital ratio | 22.8655% | 1,205 |
| Memoranda: | ||
| Average total assets | $23,354,000 | 7,386 |
| Average earning assets | $22,518,600 | 7,336 |
| Average equity | $2,381,000 | 7,429 |
| Average total loans | $13,066,800 | 7,252 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5990% | 6,335 |
| Cost of funding earning assets | 2.8758% | 42 |
| Net interest margin | 1.7232% | 7,636 |
| Noninterest income to average assets | 0.0000% | 7,437 |
| Noninterest expense to average assets | 2.6277% | 5,206 |
| Loan and lease loss provision to assets | 0.3576% | 3,756 |
| Net operating income to assets | -0.9671% | 6,887 |
| Return on assets (ROA) | -0.6356% | 6,737 |
| Pretax return on assets | -0.8684% | 6,783 |
| Return on Equity (ROE) | -6.1988% | 6,734 |
| Retained earnings to average equity (ytd only) | -6.1988% | 6,652 |
| Net charge-offs to loans | 0.0609% | 5,903 |
| Credit loss provision to net charge-offs | 1,050.0000% | 284 |
| Earnings coverage of net charge-offs (x) | -28.3325% | 6,652 |
| Efficiency ratio | 158.0205% | 168 |
| Assets per employee ($millions) | 4.6570% | 2,670 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1587% | 5,668 |
| Loan loss allowance to noncurrent loans | 23.7718% | 6,719 |
| Noncurrent assets plus other real estate owned to assets | 3.0964% | 2,336 |
| Noncurrent loans to loans | 4.8745% | 1,443 |
| Net loans and leases to total assets | 54.9495% | 5,713 |
| Net loans and leases to deposits | 71.1822% | 4,970 |
| Net loans and leases to core deposits | 71.1822% | 5,617 |
| Total domestic deposits to total assets | 77.1956% | 6,440 |
| Equity capital to assets | 10.0752% | 4,061 |
| Core capital (leverage) ratio | 9.3456% | 4,136 |
| Tier 1 risk-based capital ratio | 21.6605% | 1,261 |
| Total risk-based capital ratio | 22.9068% | 1,240 |
| Memoranda: | ||
| Average total assets | $23,492,750 | 7,480 |
| Average earning assets | $22,671,000 | 7,427 |
| Average equity | $2,409,000 | 7,514 |
| Average total loans | $13,146,750 | 7,337 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1955% | 3,983 |
| Cost of funding earning assets | 2.8923% | 50 |
| Net interest margin | 2.3033% | 7,533 |
| Noninterest income to average assets | 0.0000% | 7,524 |
| Noninterest expense to average assets | 2.5889% | 5,361 |
| Loan and lease loss provision to assets | 0.3395% | 3,702 |
| Net operating income to assets | -0.7300% | 6,826 |
| Return on assets (ROA) | -0.0509% | 6,242 |
| Pretax return on assets | -0.0255% | 6,175 |
| Return on Equity (ROE) | -0.4938% | 6,250 |
| Retained earnings to average equity (ytd only) | -0.4938% | 5,843 |
| Net charge-offs to loans | 0.0908% | 5,229 |
| Credit loss provision to net charge-offs | 666.6667% | 557 |
| Earnings coverage of net charge-offs (x) | -7.1667% | 6,304 |
| Efficiency ratio | 116.4122% | 459 |
| Assets per employee ($millions) | 4.6856% | 2,606 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9844% | 6,468 |
| Loan loss allowance to noncurrent loans | 18.7592% | 7,000 |
| Noncurrent assets plus other real estate owned to assets | 3.2739% | 2,150 |
| Noncurrent loans to loans | 5.2477% | 1,292 |
| Net loans and leases to total assets | 54.5245% | 5,912 |
| Net loans and leases to deposits | 71.8650% | 5,016 |
| Net loans and leases to core deposits | 71.8650% | 5,684 |
| Total domestic deposits to total assets | 75.8708% | 6,718 |
| Equity capital to assets | 10.6155% | 3,260 |
| Core capital (leverage) ratio | 9.7608% | 3,458 |
| Tier 1 risk-based capital ratio | 22.1450% | 1,176 |
| Total risk-based capital ratio | 23.3888% | 1,154 |
| Memoranda: | ||
| Average total assets | $23,562,000 | 7,543 |
| Average earning assets | $22,750,330 | 7,486 |
| Average equity | $2,430,000 | 7,564 |
| Average total loans | $13,214,000 | 7,388 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3269% | 3,413 |
| Cost of funding earning assets | 2.9088% | 56 |
| Net interest margin | 2.4181% | 7,520 |
| Noninterest income to average assets | 0.0000% | 7,655 |
| Noninterest expense to average assets | 2.4885% | 5,769 |
| Loan and lease loss provision to assets | 0.1693% | 4,836 |
| Net operating income to assets | -0.2709% | 6,627 |
| Return on assets (ROA) | -0.2709% | 6,687 |
| Pretax return on assets | -0.3216% | 6,659 |
| Return on Equity (ROE) | -2.6650% | 6,712 |
| Retained earnings to average equity (ytd only) | -2.6650% | 6,318 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.5217% | 667 |
| Assets per employee ($millions) | 4.7158% | 2,623 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0602% | 6,184 |
| Loan loss allowance to noncurrent loans | 17.1149% | 7,145 |
| Noncurrent assets plus other real estate owned to assets | 3.4692% | 2,032 |
| Noncurrent loans to loans | 6.1946% | 1,046 |
| Net loans and leases to total assets | 55.4095% | 5,826 |
| Net loans and leases to deposits | 73.5062% | 4,827 |
| Net loans and leases to core deposits | 73.5062% | 5,548 |
| Total domestic deposits to total assets | 75.3806% | 6,850 |
| Equity capital to assets | 10.2634% | 3,517 |
| Core capital (leverage) ratio | 9.6332% | 3,592 |
| Tier 1 risk-based capital ratio | 20.3637% | 1,452 |
| Total risk-based capital ratio | 23.5299% | 1,143 |
| Memoranda: | ||
| Average total assets | $23,629,000 | 7,633 |
| Average earning assets | $22,827,500 | 7,571 |
| Average equity | $2,401,500 | 7,663 |
| Average total loans | $13,370,500 | 7,479 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5881% | 3,664 |
| Cost of funding earning assets | 3.2409% | 109 |
| Net interest margin | 2.3472% | 7,548 |
| Noninterest income to average assets | 0.0000% | 7,693 |
| Noninterest expense to average assets | 2.2240% | 6,929 |
| Loan and lease loss provision to assets | 0.2438% | 5,432 |
| Net operating income to assets | -0.1327% | 5,728 |
| Return on assets (ROA) | -0.3531% | 6,023 |
| Pretax return on assets | -0.5129% | 6,023 |
| Return on Equity (ROE) | -3.6700% | 6,075 |
| Retained earnings to average equity (ytd only) | -3.6700% | 5,816 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.7819% | 1,222 |
| Assets per employee ($millions) | 4.7358% | 2,562 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9530% | 6,626 |
| Loan loss allowance to noncurrent loans | 15.2302% | 7,249 |
| Noncurrent assets plus other real estate owned to assets | 3.5770% | 1,871 |
| Noncurrent loans to loans | 6.2574% | 982 |
| Net loans and leases to total assets | 56.6198% | 5,884 |
| Net loans and leases to deposits | 73.7662% | 5,081 |
| Net loans and leases to core deposits | 83.8042% | 5,735 |
| Total domestic deposits to total assets | 76.7558% | 6,541 |
| Equity capital to assets | 10.0638% | 3,674 |
| Core capital (leverage) ratio | 9.6370% | 3,541 |
| Tier 1 risk-based capital ratio | 19.7216% | 1,511 |
| Total risk-based capital ratio | 22.0966% | 1,287 |
| Memoranda: | ||
| Average total assets | $23,786,400 | 7,677 |
| Average earning assets | $23,049,000 | 7,613 |
| Average equity | $2,288,800 | 7,773 |
| Average total loans | $13,644,400 | 7,517 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6238% | 3,725 |
| Cost of funding earning assets | 3.2969% | 141 |
| Net interest margin | 2.3269% | 7,623 |
| Noninterest income to average assets | 0.0000% | 7,834 |
| Noninterest expense to average assets | 2.1724% | 7,044 |
| Loan and lease loss provision to assets | 0.1288% | 6,065 |
| Net operating income to assets | -0.0351% | 5,772 |
| Return on assets (ROA) | 0.0616% | 5,612 |
| Pretax return on assets | 0.1064% | 5,511 |
| Return on Equity (ROE) | 0.6476% | 5,595 |
| Retained earnings to average equity (ytd only) | 0.6476% | 4,922 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.2779% | 1,261 |
| Assets per employee ($millions) | 4.7624% | 2,454 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7014% | 7,365 |
| Loan loss allowance to noncurrent loans | 14.3951% | 7,354 |
| Noncurrent assets plus other real estate owned to assets | 2.7423% | 2,535 |
| Noncurrent loans to loans | 4.8724% | 1,387 |
| Net loans and leases to total assets | 55.8878% | 6,153 |
| Net loans and leases to deposits | 72.7134% | 5,551 |
| Net loans and leases to core deposits | 82.3260% | 6,162 |
| Total domestic deposits to total assets | 76.8604% | 6,373 |
| Equity capital to assets | 9.7892% | 4,362 |
| Core capital (leverage) ratio | 9.9065% | 3,390 |
| Tier 1 risk-based capital ratio | 20.9453% | 1,373 |
| Total risk-based capital ratio | 21.7788% | 1,405 |
| Memoranda: | ||
| Average total assets | $23,813,250 | 7,746 |
| Average earning assets | $23,091,750 | 7,689 |
| Average equity | $2,265,250 | 7,861 |
| Average total loans | $13,671,500 | 7,589 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6934% | 3,579 |
| Cost of funding earning assets | 3.3348% | 184 |
| Net interest margin | 2.3586% | 7,617 |
| Noninterest income to average assets | 0.0000% | 7,938 |
| Noninterest expense to average assets | 2.1500% | 7,171 |
| Loan and lease loss provision to assets | 0.1764% | 5,286 |
| Net operating income to assets | -0.0672% | 5,948 |
| Return on assets (ROA) | -0.0672% | 6,014 |
| Pretax return on assets | -0.0336% | 5,909 |
| Return on Equity (ROE) | -0.7132% | 6,031 |
| Retained earnings to average equity (ytd only) | -0.7132% | 5,403 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.7729% | 1,514 |
| Assets per employee ($millions) | 4.7738% | 2,360 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6780% | 7,470 |
| Loan loss allowance to noncurrent loans | 14.8387% | 7,367 |
| Noncurrent assets plus other real estate owned to assets | 2.5975% | 2,478 |
| Noncurrent loans to loans | 4.5689% | 1,405 |
| Net loans and leases to total assets | 56.4665% | 6,160 |
| Net loans and leases to deposits | 72.0517% | 5,726 |
| Net loans and leases to core deposits | 81.3643% | 6,294 |
| Total domestic deposits to total assets | 78.3694% | 5,981 |
| Equity capital to assets | 9.5857% | 4,503 |
| Core capital (leverage) ratio | 9.7935% | 3,527 |
| Tier 1 risk-based capital ratio | 20.7070% | 1,446 |
| Total risk-based capital ratio | 21.5201% | 1,484 |
| Memoranda: | ||
| Average total assets | $23,813,670 | 7,825 |
| Average earning assets | $23,149,670 | 7,762 |
| Average equity | $2,243,330 | 7,947 |
| Average total loans | $13,761,330 | 7,664 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8588% | 2,989 |
| Cost of funding earning assets | 3.3627% | 225 |
| Net interest margin | 2.4960% | 7,506 |
| Noninterest income to average assets | 0.0000% | 8,039 |
| Noninterest expense to average assets | 2.2702% | 6,629 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.1177% | 5,931 |
| Return on assets (ROA) | 0.1177% | 6,093 |
| Pretax return on assets | 0.1513% | 6,045 |
| Return on Equity (ROE) | 1.2607% | 6,054 |
| Retained earnings to average equity (ytd only) | 1.2607% | 5,133 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.7500% | 1,449 |
| Assets per employee ($millions) | 4.7296% | 2,397 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5137% | 7,806 |
| Loan loss allowance to noncurrent loans | 15.1709% | 7,391 |
| Noncurrent assets plus other real estate owned to assets | 1.9790% | 2,937 |
| Noncurrent loans to loans | 3.3859% | 1,895 |
| Net loans and leases to total assets | 58.1487% | 5,922 |
| Net loans and leases to deposits | 73.8071% | 5,503 |
| Net loans and leases to core deposits | 82.7327% | 6,168 |
| Total domestic deposits to total assets | 78.7847% | 5,797 |
| Equity capital to assets | 9.2566% | 5,001 |
| Core capital (leverage) ratio | 9.9005% | 3,516 |
| Tier 1 risk-based capital ratio | 20.7625% | 1,482 |
| Total risk-based capital ratio | 21.3877% | 1,555 |
| Memoranda: | ||
| Average total assets | $23,786,000 | 7,871 |
| Average earning assets | $23,076,500 | 7,806 |
| Average equity | $2,221,000 | 8,006 |
| Average total loans | $13,857,000 | 7,701 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1578% | 4,740 |
| Cost of funding earning assets | 3.6099% | 378 |
| Net interest margin | 2.5479% | 7,697 |
| Noninterest income to average assets | 0.0000% | 8,110 |
| Noninterest expense to average assets | 2.4453% | 6,232 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.0180% | 6,320 |
| Return on assets (ROA) | 0.0180% | 6,178 |
| Pretax return on assets | 0.0180% | 6,121 |
| Return on Equity (ROE) | 0.1801% | 6,173 |
| Retained earnings to average equity (ytd only) | 0.1801% | 5,125 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.2687% | 1,008 |
| Assets per employee ($millions) | 4.7848% | 2,199 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5111% | 7,836 |
| Loan loss allowance to noncurrent loans | 26.3941% | 6,921 |
| Noncurrent assets plus other real estate owned to assets | 1.1244% | 4,026 |
| Noncurrent loans to loans | 1.9364% | 2,851 |
| Net loans and leases to total assets | 57.7704% | 6,236 |
| Net loans and leases to deposits | 75.3352% | 5,677 |
| Net loans and leases to core deposits | 84.0847% | 6,287 |
| Total domestic deposits to total assets | 76.6845% | 6,074 |
| Equity capital to assets | 9.4173% | 4,802 |
| Core capital (leverage) ratio | 9.7869% | 3,667 |
| Tier 1 risk-based capital ratio | 19.9406% | 1,627 |
| Total risk-based capital ratio | 20.5428% | 1,705 |
| Memoranda: | ||
| Average total assets | $22,205,800 | 7,937 |
| Average earning assets | $21,468,800 | 7,879 |
| Average equity | $2,220,400 | 8,070 |
| Average total loans | $14,254,200 | 7,691 |