Home > Indiana Community Bank > Performance and Condition Ratios
Indiana 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 | 4.7105% | 1,543 |
| Cost of funding earning assets | 0.4700% | 3,911 |
| Net interest margin | 4.2405% | 1,247 |
| Noninterest income to average assets | -0.0602% | 6,703 |
| Noninterest expense to average assets | 4.0209% | 854 |
| Loan and lease loss provision to assets | 0.0021% | 5,070 |
| Net operating income to assets | -0.1412% | 6,335 |
| Return on assets (ROA) | -0.1412% | 6,350 |
| Pretax return on assets | -0.1412% | 6,321 |
| Return on Equity (ROE) | -1.6298% | 6,361 |
| Retained earnings to average equity (ytd only) | -1.6298% | 6,140 |
| Net charge-offs to loans | 1.2697% | 408 |
| Credit loss provision to net charge-offs | 0.2051% | 4,704 |
| Earnings coverage of net charge-offs (x) | -0.1374% | 5,128 |
| Efficiency ratio | 103.5829% | 381 |
| Assets per employee ($millions) | 3.5996% | 4,682 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6377% | 707 |
| Loan loss allowance to noncurrent loans | 70.6987% | 4,461 |
| Noncurrent assets plus other real estate owned to assets | 5.9879% | 323 |
| Noncurrent loans to loans | 3.7310% | 803 |
| Net loans and leases to total assets | 80.4100% | 554 |
| Net loans and leases to deposits | 89.1540% | 1,324 |
| Net loans and leases to core deposits | 91.7092% | 1,820 |
| Total domestic deposits to total assets | 90.1923% | 977 |
| Equity capital to assets | 9.5195% | 4,401 |
| Core capital (leverage) ratio | 8.9538% | 5,073 |
| Tier 1 risk-based capital ratio | 12.0887% | 5,569 |
| Total risk-based capital ratio | 13.3575% | 5,491 |
| Memoranda: | ||
| Average total assets | $96,346,600 | 4,829 |
| Average earning assets | $89,565,600 | 4,790 |
| Average equity | $8,344,800 | 5,258 |
| Average total loans | $76,791,800 | 4,032 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6842% | 1,638 |
| Cost of funding earning assets | 0.4906% | 3,861 |
| Net interest margin | 4.1936% | 1,358 |
| Noninterest income to average assets | -0.0634% | 6,795 |
| Noninterest expense to average assets | 3.8244% | 1,050 |
| Loan and lease loss provision to assets | 0.0027% | 4,907 |
| Net operating income to assets | 0.0189% | 6,269 |
| Return on assets (ROA) | 0.0189% | 6,328 |
| Pretax return on assets | 0.0189% | 6,304 |
| Return on Equity (ROE) | 0.2229% | 6,321 |
| Retained earnings to average equity (ytd only) | 0.2229% | 5,870 |
| Net charge-offs to loans | 0.6176% | 1,003 |
| Credit loss provision to net charge-offs | 0.5525% | 4,337 |
| Earnings coverage of net charge-offs (x) | 0.0442% | 4,843 |
| Efficiency ratio | 99.4388% | 482 |
| Assets per employee ($millions) | 4.3204% | 3,182 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3471% | 391 |
| Loan loss allowance to noncurrent loans | 85.6211% | 3,885 |
| Noncurrent assets plus other real estate owned to assets | 5.8812% | 417 |
| Noncurrent loans to loans | 3.9092% | 911 |
| Net loans and leases to total assets | 75.8017% | 1,030 |
| Net loans and leases to deposits | 83.4875% | 1,945 |
| Net loans and leases to core deposits | 85.4014% | 2,480 |
| Total domestic deposits to total assets | 90.7941% | 615 |
| Equity capital to assets | 8.8103% | 5,408 |
| Core capital (leverage) ratio | 8.8062% | 5,405 |
| Tier 1 risk-based capital ratio | 11.9264% | 5,817 |
| Total risk-based capital ratio | 13.2043% | 5,740 |
| Memoranda: | ||
| Average total assets | $98,835,500 | 4,813 |
| Average earning assets | $92,137,000 | 4,765 |
| Average equity | $8,375,000 | 5,301 |
| Average total loans | $78,152,500 | 4,024 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7736% | 1,387 |
| Cost of funding earning assets | 0.5107% | 3,800 |
| Net interest margin | 4.2629% | 1,110 |
| Noninterest income to average assets | -0.0240% | 6,826 |
| Noninterest expense to average assets | 3.8023% | 1,091 |
| Loan and lease loss provision to assets | 0.0020% | 4,758 |
| Net operating income to assets | 0.1578% | 6,009 |
| Return on assets (ROA) | 0.1578% | 6,117 |
| Pretax return on assets | 0.1578% | 6,146 |
| Return on Equity (ROE) | 1.8865% | 5,987 |
| Retained earnings to average equity (ytd only) | 1.8865% | 5,067 |
| Net charge-offs to loans | 0.6502% | 1,010 |
| Credit loss provision to net charge-offs | 0.3876% | 3,997 |
| Earnings coverage of net charge-offs (x) | 0.3101% | 4,437 |
| Efficiency ratio | 95.9657% | 658 |
| Assets per employee ($millions) | 4.0400% | 3,708 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4498% | 387 |
| Loan loss allowance to noncurrent loans | 61.8866% | 4,706 |
| Noncurrent assets plus other real estate owned to assets | 6.8544% | 346 |
| Noncurrent loans to loans | 5.5744% | 544 |
| Net loans and leases to total assets | 74.9907% | 1,108 |
| Net loans and leases to deposits | 82.4304% | 2,005 |
| Net loans and leases to core deposits | 84.7704% | 2,456 |
| Total domestic deposits to total assets | 90.9746% | 552 |
| Equity capital to assets | 8.7036% | 5,544 |
| Core capital (leverage) ratio | 8.4218% | 5,751 |
| Tier 1 risk-based capital ratio | 11.9509% | 5,819 |
| Total risk-based capital ratio | 13.2314% | 5,752 |
| Memoranda: | ||
| Average total assets | $100,098,000 | 4,811 |
| Average earning assets | $93,597,330 | 4,764 |
| Average equity | $8,375,330 | 5,344 |
| Average total loans | $79,355,670 | 3,998 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6399% | 1,712 |
| Cost of funding earning assets | 0.5338% | 3,738 |
| Net interest margin | 4.1062% | 1,442 |
| Noninterest income to average assets | -0.2518% | 6,961 |
| Noninterest expense to average assets | 3.6511% | 1,335 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -0.0590% | 6,413 |
| Return on assets (ROA) | -0.0590% | 6,466 |
| Pretax return on assets | -0.0590% | 6,449 |
| Return on Equity (ROE) | -0.7191% | 6,482 |
| Retained earnings to average equity (ytd only) | -0.7191% | 5,916 |
| Net charge-offs to loans | 1.1502% | 513 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | -0.0641% | 3,843 |
| Efficiency ratio | 101.6429% | 491 |
| Assets per employee ($millions) | 4.0769% | 3,784 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2022% | 544 |
| Loan loss allowance to noncurrent loans | 51.6046% | 5,099 |
| Noncurrent assets plus other real estate owned to assets | 7.3213% | 372 |
| Noncurrent loans to loans | 6.2052% | 528 |
| Net loans and leases to total assets | 77.7359% | 645 |
| Net loans and leases to deposits | 84.9925% | 1,471 |
| Net loans and leases to core deposits | 87.0305% | 2,010 |
| Total domestic deposits to total assets | 91.4621% | 363 |
| Equity capital to assets | 8.1876% | 6,259 |
| Core capital (leverage) ratio | 8.3269% | 5,789 |
| Tier 1 risk-based capital ratio | 11.1222% | 6,350 |
| Total risk-based capital ratio | 12.3993% | 6,318 |
| Memoranda: | ||
| Average total assets | $101,667,000 | 4,820 |
| Average earning assets | $95,173,500 | 4,759 |
| Average equity | $8,343,500 | 5,401 |
| Average total loans | $81,379,000 | 3,976 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7854% | 2,251 |
| Cost of funding earning assets | 0.7991% | 2,675 |
| Net interest margin | 3.9864% | 2,455 |
| Noninterest income to average assets | 0.3773% | 4,773 |
| Noninterest expense to average assets | 3.7256% | 1,369 |
| Loan and lease loss provision to assets | 0.0055% | 5,855 |
| Net operating income to assets | 0.2389% | 5,669 |
| Return on assets (ROA) | 0.2389% | 5,866 |
| Pretax return on assets | 0.3505% | 5,713 |
| Return on Equity (ROE) | 3.1680% | 5,482 |
| Retained earnings to average equity (ytd only) | 3.1680% | 3,996 |
| Net charge-offs to loans | 0.5802% | 1,986 |
| Credit loss provision to net charge-offs | 1.2072% | 5,473 |
| Earnings coverage of net charge-offs (x) | 0.7767% | 5,087 |
| Efficiency ratio | 91.2768% | 963 |
| Assets per employee ($millions) | 4.2255% | 3,501 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5287% | 416 |
| Loan loss allowance to noncurrent loans | 53.7867% | 4,935 |
| Noncurrent assets plus other real estate owned to assets | 7.3906% | 406 |
| Noncurrent loans to loans | 6.5606% | 505 |
| Net loans and leases to total assets | 76.9653% | 791 |
| Net loans and leases to deposits | 84.1486% | 1,736 |
| Net loans and leases to core deposits | 86.4162% | 2,257 |
| Total domestic deposits to total assets | 91.4635% | 347 |
| Equity capital to assets | 8.2259% | 6,260 |
| Core capital (leverage) ratio | 8.2151% | 5,984 |
| Tier 1 risk-based capital ratio | 11.0707% | 6,320 |
| Total risk-based capital ratio | 12.3527% | 6,275 |
| Memoranda: | ||
| Average total assets | $108,412,200 | 4,629 |
| Average earning assets | $100,743,400 | 4,579 |
| Average equity | $8,175,600 | 5,450 |
| Average total loans | $85,659,400 | 3,860 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7862% | 2,438 |
| Cost of funding earning assets | 0.8478% | 2,560 |
| Net interest margin | 3.9383% | 2,764 |
| Noninterest income to average assets | 0.4248% | 4,442 |
| Noninterest expense to average assets | 3.6370% | 1,483 |
| Loan and lease loss provision to assets | 0.1888% | 3,231 |
| Net operating income to assets | 0.2590% | 5,757 |
| Return on assets (ROA) | 0.2590% | 5,949 |
| Pretax return on assets | 0.2590% | 6,023 |
| Return on Equity (ROE) | 3.5079% | 5,489 |
| Retained earnings to average equity (ytd only) | 3.5079% | 4,402 |
| Net charge-offs to loans | 0.7523% | 1,472 |
| Credit loss provision to net charge-offs | 31.8367% | 4,771 |
| Earnings coverage of net charge-offs (x) | 0.7551% | 4,951 |
| Efficiency ratio | 89.0370% | 1,112 |
| Assets per employee ($millions) | 4.3085% | 3,251 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6326% | 415 |
| Loan loss allowance to noncurrent loans | 49.8593% | 5,136 |
| Noncurrent assets plus other real estate owned to assets | 8.4969% | 345 |
| Noncurrent loans to loans | 7.2858% | 487 |
| Net loans and leases to total assets | 77.2734% | 821 |
| Net loans and leases to deposits | 84.2432% | 1,842 |
| Net loans and leases to core deposits | 86.2204% | 2,431 |
| Total domestic deposits to total assets | 91.7265% | 243 |
| Equity capital to assets | 8.0249% | 6,576 |
| Core capital (leverage) ratio | 7.9634% | 6,355 |
| Tier 1 risk-based capital ratio | 10.6956% | 6,602 |
| Total risk-based capital ratio | 11.9782% | 6,579 |
| Memoranda: | ||
| Average total assets | $110,162,250 | 4,631 |
| Average earning assets | $102,375,750 | 4,588 |
| Average equity | $8,134,000 | 5,517 |
| Average total loans | $86,847,500 | 3,865 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7620% | 2,669 |
| Cost of funding earning assets | 0.9046% | 2,357 |
| Net interest margin | 3.8574% | 3,102 |
| Noninterest income to average assets | 0.4839% | 4,029 |
| Noninterest expense to average assets | 3.5636% | 1,652 |
| Loan and lease loss provision to assets | 0.2775% | 2,366 |
| Net operating income to assets | 0.2313% | 5,822 |
| Return on assets (ROA) | 0.2313% | 6,010 |
| Pretax return on assets | 0.2313% | 6,094 |
| Return on Equity (ROE) | 3.2181% | 5,600 |
| Retained earnings to average equity (ytd only) | 3.2181% | 4,472 |
| Net charge-offs to loans | 1.0753% | 1,017 |
| Credit loss provision to net charge-offs | 32.9114% | 4,393 |
| Earnings coverage of net charge-offs (x) | 0.6034% | 4,763 |
| Efficiency ratio | 87.5055% | 1,281 |
| Assets per employee ($millions) | 4.2783% | 3,292 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6063% | 461 |
| Loan loss allowance to noncurrent loans | 52.3151% | 4,985 |
| Noncurrent assets plus other real estate owned to assets | 8.2341% | 409 |
| Noncurrent loans to loans | 6.8934% | 575 |
| Net loans and leases to total assets | 75.6708% | 1,008 |
| Net loans and leases to deposits | 82.1510% | 2,091 |
| Net loans and leases to core deposits | 84.5152% | 2,624 |
| Total domestic deposits to total assets | 92.1119% | 206 |
| Equity capital to assets | 7.6796% | 6,723 |
| Core capital (leverage) ratio | 7.5419% | 6,609 |
| Tier 1 risk-based capital ratio | 10.3565% | 6,738 |
| Total risk-based capital ratio | 11.6378% | 6,716 |
| Memoranda: | ||
| Average total assets | $112,415,330 | 4,607 |
| Average earning assets | $104,578,000 | 4,548 |
| Average equity | $8,079,330 | 5,542 |
| Average total loans | $88,158,330 | 3,850 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7265% | 2,947 |
| Cost of funding earning assets | 0.9378% | 2,390 |
| Net interest margin | 3.7886% | 3,445 |
| Noninterest income to average assets | -0.1876% | 7,194 |
| Noninterest expense to average assets | 3.4183% | 1,955 |
| Loan and lease loss provision to assets | 0.4516% | 1,368 |
| Net operating income to assets | -0.5211% | 6,837 |
| Return on assets (ROA) | -0.5211% | 6,868 |
| Pretax return on assets | -0.5211% | 6,839 |
| Return on Equity (ROE) | -7.4888% | 6,935 |
| Retained earnings to average equity (ytd only) | -7.4888% | 6,736 |
| Net charge-offs to loans | 1.6265% | 603 |
| Credit loss provision to net charge-offs | 35.4223% | 3,528 |
| Earnings coverage of net charge-offs (x) | -0.0545% | 4,391 |
| Efficiency ratio | 102.0747% | 494 |
| Assets per employee ($millions) | 4.4362% | 3,113 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5228% | 527 |
| Loan loss allowance to noncurrent loans | 50.1048% | 5,072 |
| Noncurrent assets plus other real estate owned to assets | 8.3973% | 443 |
| Noncurrent loans to loans | 7.0308% | 634 |
| Net loans and leases to total assets | 76.7729% | 723 |
| Net loans and leases to deposits | 82.9316% | 1,802 |
| Net loans and leases to core deposits | 85.2191% | 2,380 |
| Total domestic deposits to total assets | 92.5738% | 176 |
| Equity capital to assets | 7.1557% | 6,891 |
| Core capital (leverage) ratio | 6.9091% | 6,875 |
| Tier 1 risk-based capital ratio | 9.5506% | 6,956 |
| Total risk-based capital ratio | 10.8315% | 6,945 |
| Memoranda: | ||
| Average total assets | $115,144,000 | 4,558 |
| Average earning assets | $107,480,000 | 4,500 |
| Average equity | $8,012,000 | 5,591 |
| Average total loans | $90,255,500 | 3,823 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0305% | 2,754 |
| Cost of funding earning assets | 1.1117% | 2,599 |
| Net interest margin | 3.9189% | 3,263 |
| Noninterest income to average assets | 0.0095% | 6,955 |
| Noninterest expense to average assets | 3.1879% | 2,907 |
| Loan and lease loss provision to assets | 0.9614% | 1,001 |
| Net operating income to assets | -0.4731% | 6,464 |
| Return on assets (ROA) | -0.4731% | 6,519 |
| Pretax return on assets | -0.4731% | 6,478 |
| Return on Equity (ROE) | -7.0662% | 6,638 |
| Retained earnings to average equity (ytd only) | -7.0662% | 6,577 |
| Net charge-offs to loans | 1.5305% | 1,043 |
| Credit loss provision to net charge-offs | 77.2031% | 4,589 |
| Earnings coverage of net charge-offs (x) | 0.3921% | 5,525 |
| Efficiency ratio | 86.7186% | 1,477 |
| Assets per employee ($millions) | 4.5917% | 2,768 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6268% | 494 |
| Loan loss allowance to noncurrent loans | 42.8919% | 5,435 |
| Noncurrent assets plus other real estate owned to assets | 8.6930% | 425 |
| Noncurrent loans to loans | 8.4557% | 451 |
| Net loans and leases to total assets | 74.4754% | 1,181 |
| Net loans and leases to deposits | 80.1274% | 2,500 |
| Net loans and leases to core deposits | 82.6802% | 3,077 |
| Total domestic deposits to total assets | 92.9462% | 138 |
| Equity capital to assets | 6.7748% | 7,016 |
| Core capital (leverage) ratio | 6.6570% | 6,949 |
| Tier 1 risk-based capital ratio | 9.3454% | 6,988 |
| Total risk-based capital ratio | 10.6278% | 6,978 |
| Memoranda: | ||
| Average total assets | $125,756,000 | 4,254 |
| Average earning assets | $117,661,200 | 4,189 |
| Average equity | $8,420,400 | 5,430 |
| Average total loans | $102,320,200 | 3,563 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1058% | 2,579 |
| Cost of funding earning assets | 1.1346% | 2,741 |
| Net interest margin | 3.9711% | 3,048 |
| Noninterest income to average assets | 0.0199% | 7,047 |
| Noninterest expense to average assets | 3.0749% | 3,262 |
| Loan and lease loss provision to assets | 0.9632% | 908 |
| Net operating income to assets | -0.3026% | 6,500 |
| Return on assets (ROA) | -0.3026% | 6,560 |
| Pretax return on assets | -0.3026% | 6,496 |
| Return on Equity (ROE) | -4.5313% | 6,658 |
| Retained earnings to average equity (ytd only) | -4.5313% | 6,564 |
| Net charge-offs to loans | 1.5694% | 901 |
| Credit loss provision to net charge-offs | 74.5543% | 4,336 |
| Earnings coverage of net charge-offs (x) | 0.5113% | 5,244 |
| Efficiency ratio | 82.3150% | 1,929 |
| Assets per employee ($millions) | 4.7726% | 2,515 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5259% | 554 |
| Loan loss allowance to noncurrent loans | 50.7411% | 4,965 |
| Noncurrent assets plus other real estate owned to assets | 7.6301% | 612 |
| Noncurrent loans to loans | 6.9489% | 717 |
| Net loans and leases to total assets | 74.7274% | 1,192 |
| Net loans and leases to deposits | 84.4401% | 1,926 |
| Net loans and leases to core deposits | 87.1232% | 2,615 |
| Total domestic deposits to total assets | 88.4976% | 1,762 |
| Equity capital to assets | 6.7670% | 7,096 |
| Core capital (leverage) ratio | 6.7909% | 7,011 |
| Tier 1 risk-based capital ratio | 9.3208% | 7,078 |
| Total risk-based capital ratio | 10.6017% | 7,070 |
| Memoranda: | ||
| Average total assets | $127,349,250 | 4,246 |
| Average earning assets | $119,156,750 | 4,173 |
| Average equity | $8,503,500 | 5,429 |
| Average total loans | $104,836,000 | 3,525 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1938% | 2,280 |
| Cost of funding earning assets | 1.1682% | 2,785 |
| Net interest margin | 4.0256% | 2,709 |
| Noninterest income to average assets | 0.1401% | 6,622 |
| Noninterest expense to average assets | 3.0770% | 3,344 |
| Loan and lease loss provision to assets | 1.0760% | 770 |
| Net operating income to assets | -0.2460% | 6,513 |
| Return on assets (ROA) | -0.2460% | 6,548 |
| Pretax return on assets | -0.2460% | 6,494 |
| Return on Equity (ROE) | -3.7007% | 6,638 |
| Retained earnings to average equity (ytd only) | -3.7007% | 6,446 |
| Net charge-offs to loans | 0.9523% | 1,642 |
| Credit loss provision to net charge-offs | 134.6979% | 2,268 |
| Earnings coverage of net charge-offs (x) | 1.0390% | 4,510 |
| Efficiency ratio | 78.7565% | 2,595 |
| Assets per employee ($millions) | 5.0992% | 1,995 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8167% | 466 |
| Loan loss allowance to noncurrent loans | 53.3911% | 4,817 |
| Noncurrent assets plus other real estate owned to assets | 7.9652% | 588 |
| Noncurrent loans to loans | 7.1486% | 706 |
| Net loans and leases to total assets | 76.7209% | 962 |
| Net loans and leases to deposits | 86.4786% | 1,721 |
| Net loans and leases to core deposits | 90.3759% | 2,324 |
| Total domestic deposits to total assets | 88.7166% | 1,711 |
| Equity capital to assets | 6.6889% | 7,156 |
| Core capital (leverage) ratio | 6.6918% | 7,079 |
| Tier 1 risk-based capital ratio | 8.9879% | 7,179 |
| Total risk-based capital ratio | 10.2728% | 7,176 |
| Memoranda: | ||
| Average total assets | $128,436,670 | 4,259 |
| Average earning assets | $120,182,000 | 4,182 |
| Average equity | $8,539,000 | 5,444 |
| Average total loans | $107,742,670 | 3,509 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2391% | 2,093 |
| Cost of funding earning assets | 1.2080% | 2,769 |
| Net interest margin | 4.0311% | 2,561 |
| Noninterest income to average assets | 0.0341% | 7,205 |
| Noninterest expense to average assets | 3.0470% | 3,461 |
| Loan and lease loss provision to assets | 1.6010% | 385 |
| Net operating income to assets | -0.8347% | 6,974 |
| Return on assets (ROA) | -0.8347% | 6,979 |
| Pretax return on assets | -0.8347% | 6,937 |
| Return on Equity (ROE) | -12.5922% | 7,089 |
| Retained earnings to average equity (ytd only) | -12.5922% | 6,962 |
| Net charge-offs to loans | 1.6647% | 802 |
| Credit loss provision to net charge-offs | 111.9306% | 2,395 |
| Earnings coverage of net charge-offs (x) | 0.5358% | 4,219 |
| Efficiency ratio | 79.9024% | 2,551 |
| Assets per employee ($millions) | 5.3790% | 1,687 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4776% | 617 |
| Loan loss allowance to noncurrent loans | 48.4403% | 5,095 |
| Noncurrent assets plus other real estate owned to assets | 8.1753% | 571 |
| Noncurrent loans to loans | 7.1791% | 753 |
| Net loans and leases to total assets | 80.7965% | 446 |
| Net loans and leases to deposits | 90.8897% | 1,136 |
| Net loans and leases to core deposits | 95.7884% | 1,689 |
| Total domestic deposits to total assets | 88.8951% | 1,841 |
| Equity capital to assets | 6.5153% | 7,203 |
| Core capital (leverage) ratio | 6.5037% | 7,168 |
| Tier 1 risk-based capital ratio | 8.3159% | 7,270 |
| Total risk-based capital ratio | 9.5965% | 7,271 |
| Memoranda: | ||
| Average total assets | $128,915,500 | 4,279 |
| Average earning assets | $120,859,500 | 4,201 |
| Average equity | $8,545,000 | 5,446 |
| Average total loans | $110,772,000 | 3,468 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8767% | 5,132 |
| Cost of funding earning assets | 1.4504% | 2,950 |
| Net interest margin | 3.4263% | 5,523 |
| Noninterest income to average assets | 0.1845% | 6,435 |
| Noninterest expense to average assets | 4.6708% | 561 |
| Loan and lease loss provision to assets | 1.5021% | 986 |
| Net operating income to assets | -3.1756% | 7,328 |
| Return on assets (ROA) | -3.1756% | 7,347 |
| Pretax return on assets | -2.8092% | 7,249 |
| Return on Equity (ROE) | -43.4398% | 7,378 |
| Retained earnings to average equity (ytd only) | -43.4398% | 7,372 |
| Net charge-offs to loans | 2.2990% | 841 |
| Credit loss provision to net charge-offs | 84.8635% | 5,348 |
| Earnings coverage of net charge-offs (x) | -0.7384% | 6,536 |
| Efficiency ratio | 89.7034% | 1,342 |
| Assets per employee ($millions) | 5.1494% | 1,945 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2631% | 696 |
| Loan loss allowance to noncurrent loans | 44.3049% | 5,364 |
| Noncurrent assets plus other real estate owned to assets | 8.5960% | 543 |
| Noncurrent loans to loans | 7.3651% | 744 |
| Net loans and leases to total assets | 85.2744% | 222 |
| Net loans and leases to deposits | 96.1413% | 859 |
| Net loans and leases to core deposits | 106.1241% | 1,182 |
| Total domestic deposits to total assets | 88.6969% | 1,823 |
| Equity capital to assets | 6.7418% | 7,193 |
| Core capital (leverage) ratio | 6.3409% | 7,232 |
| Tier 1 risk-based capital ratio | 8.1881% | 7,338 |
| Total risk-based capital ratio | 9.4655% | 7,344 |
| Memoranda: | ||
| Average total assets | $159,371,800 | 3,710 |
| Average earning assets | $147,886,000 | 3,661 |
| Average equity | $11,650,600 | 4,702 |
| Average total loans | $122,707,200 | 3,261 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7711% | 5,780 |
| Cost of funding earning assets | 1.4881% | 3,047 |
| Net interest margin | 3.2830% | 6,073 |
| Noninterest income to average assets | 0.1501% | 6,791 |
| Noninterest expense to average assets | 3.0253% | 3,660 |
| Loan and lease loss provision to assets | 1.7074% | 745 |
| Net operating income to assets | -2.0060% | 7,243 |
| Return on assets (ROA) | -2.0060% | 7,256 |
| Pretax return on assets | -1.5414% | 7,052 |
| Return on Equity (ROE) | -27.0350% | 7,342 |
| Retained earnings to average equity (ytd only) | -27.0350% | 7,334 |
| Net charge-offs to loans | 1.6563% | 1,195 |
| Credit loss provision to net charge-offs | 137.7334% | 2,898 |
| Earnings coverage of net charge-offs (x) | 0.1339% | 5,890 |
| Efficiency ratio | 94.7974% | 957 |
| Assets per employee ($millions) | 5.8495% | 1,348 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9895% | 375 |
| Loan loss allowance to noncurrent loans | 58.7517% | 4,399 |
| Noncurrent assets plus other real estate owned to assets | 6.7001% | 837 |
| Noncurrent loans to loans | 6.7905% | 856 |
| Net loans and leases to total assets | 74.6244% | 1,655 |
| Net loans and leases to deposits | 84.1538% | 2,679 |
| Net loans and leases to core deposits | 101.9914% | 1,655 |
| Total domestic deposits to total assets | 88.6762% | 1,577 |
| Equity capital to assets | 7.3820% | 7,191 |
| Core capital (leverage) ratio | 5.3285% | 7,517 |
| Tier 1 risk-based capital ratio | 7.9225% | 7,485 |
| Total risk-based capital ratio | 9.2106% | 7,486 |
| Memoranda: | ||
| Average total assets | $167,031,000 | 3,636 |
| Average earning assets | $154,732,250 | 3,608 |
| Average equity | $12,393,500 | 4,573 |
| Average total loans | $125,013,750 | 3,264 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6345% | 6,357 |
| Cost of funding earning assets | 1.5054% | 3,228 |
| Net interest margin | 3.1291% | 6,521 |
| Noninterest income to average assets | 0.1698% | 6,693 |
| Noninterest expense to average assets | 3.0126% | 3,667 |
| Loan and lease loss provision to assets | 2.2266% | 537 |
| Net operating income to assets | -2.8521% | 7,486 |
| Return on assets (ROA) | -2.8521% | 7,498 |
| Pretax return on assets | -2.1766% | 7,286 |
| Return on Equity (ROE) | -38.3811% | 7,519 |
| Retained earnings to average equity (ytd only) | -38.3811% | 7,511 |
| Net charge-offs to loans | 2.2816% | 782 |
| Credit loss provision to net charge-offs | 131.8871% | 3,054 |
| Earnings coverage of net charge-offs (x) | 0.0296% | 5,688 |
| Efficiency ratio | 98.3675% | 867 |
| Assets per employee ($millions) | 6.7210% | 873 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7953% | 439 |
| Loan loss allowance to noncurrent loans | 54.0735% | 4,701 |
| Noncurrent assets plus other real estate owned to assets | 6.5293% | 852 |
| Noncurrent loans to loans | 7.0187% | 811 |
| Net loans and leases to total assets | 69.2905% | 3,066 |
| Net loans and leases to deposits | 77.3250% | 4,111 |
| Net loans and leases to core deposits | 104.4460% | 1,596 |
| Total domestic deposits to total assets | 89.6093% | 1,123 |
| Equity capital to assets | 6.7180% | 7,435 |
| Core capital (leverage) ratio | 5.2216% | 7,578 |
| Tier 1 risk-based capital ratio | 7.6495% | 7,547 |
| Total risk-based capital ratio | 8.9340% | 7,554 |
| Memoranda: | ||
| Average total assets | $172,012,330 | 3,572 |
| Average earning assets | $159,025,330 | 3,534 |
| Average equity | $12,782,330 | 4,486 |
| Average total loans | $127,281,670 | 3,253 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6820% | 6,310 |
| Cost of funding earning assets | 1.5499% | 3,267 |
| Net interest margin | 3.1322% | 6,509 |
| Noninterest income to average assets | 0.2391% | 6,240 |
| Noninterest expense to average assets | 2.8735% | 4,174 |
| Loan and lease loss provision to assets | 1.6321% | 704 |
| Net operating income to assets | -0.9701% | 7,089 |
| Return on assets (ROA) | -0.9701% | 7,117 |
| Pretax return on assets | -1.3770% | 7,215 |
| Return on Equity (ROE) | -12.4764% | 7,238 |
| Retained earnings to average equity (ytd only) | -12.4764% | 7,101 |
| Net charge-offs to loans | 1.6133% | 1,079 |
| Credit loss provision to net charge-offs | 134.9810% | 2,618 |
| Earnings coverage of net charge-offs (x) | 0.2110% | 4,852 |
| Efficiency ratio | 91.8442% | 1,286 |
| Assets per employee ($millions) | 6.3924% | 1,051 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3800% | 593 |
| Loan loss allowance to noncurrent loans | 53.7972% | 4,739 |
| Noncurrent assets plus other real estate owned to assets | 6.0251% | 993 |
| Noncurrent loans to loans | 6.2829% | 1,019 |
| Net loans and leases to total assets | 71.4489% | 2,579 |
| Net loans and leases to deposits | 80.5221% | 3,548 |
| Net loans and leases to core deposits | 118.0800% | 862 |
| Total domestic deposits to total assets | 88.7321% | 1,656 |
| Equity capital to assets | 7.7163% | 6,918 |
| Core capital (leverage) ratio | 5.8174% | 7,608 |
| Tier 1 risk-based capital ratio | 8.3641% | 7,571 |
| Total risk-based capital ratio | 9.6429% | 7,584 |
| Memoranda: | ||
| Average total assets | $174,005,500 | 3,593 |
| Average earning assets | $160,528,500 | 3,557 |
| Average equity | $13,529,500 | 4,349 |
| Average total loans | $130,413,000 | 3,254 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2837% | 5,268 |
| Cost of funding earning assets | 1.7333% | 4,344 |
| Net interest margin | 3.5504% | 4,745 |
| Noninterest income to average assets | 0.3882% | 5,310 |
| Noninterest expense to average assets | 2.8876% | 4,574 |
| Loan and lease loss provision to assets | 0.8452% | 2,619 |
| Net operating income to assets | -0.0482% | 5,579 |
| Return on assets (ROA) | -0.0482% | 5,606 |
| Pretax return on assets | -0.0748% | 5,562 |
| Return on Equity (ROE) | -0.5226% | 5,625 |
| Retained earnings to average equity (ytd only) | -0.5226% | 5,115 |
| Net charge-offs to loans | 0.6348% | 3,294 |
| Credit loss provision to net charge-offs | 160.7798% | 2,770 |
| Earnings coverage of net charge-offs (x) | 1.4656% | 4,661 |
| Efficiency ratio | 78.9387% | 3,052 |
| Assets per employee ($millions) | 4.7793% | 2,505 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8617% | 873 |
| Loan loss allowance to noncurrent loans | 149.0295% | 1,926 |
| Noncurrent assets plus other real estate owned to assets | 1.7994% | 3,666 |
| Noncurrent loans to loans | 1.9202% | 3,771 |
| Net loans and leases to total assets | 73.7803% | 2,321 |
| Net loans and leases to deposits | 89.5450% | 2,291 |
| Net loans and leases to core deposits | 119.7248% | 1,967 |
| Total domestic deposits to total assets | 82.3946% | 4,776 |
| Equity capital to assets | 9.6987% | 4,147 |
| Core capital (leverage) ratio | 8.1060% | 5,980 |
| Tier 1 risk-based capital ratio | 10.8103% | 6,104 |
| Total risk-based capital ratio | 12.0808% | 6,055 |
| Memoranda: | ||
| Average total assets | $82,942,200 | 5,635 |
| Average earning assets | $76,385,200 | 5,588 |
| Average equity | $7,653,600 | 6,033 |
| Average total loans | $68,681,800 | 4,917 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2663% | 5,588 |
| Cost of funding earning assets | 1.7600% | 4,591 |
| Net interest margin | 3.5062% | 4,838 |
| Noninterest income to average assets | 0.4030% | 5,255 |
| Noninterest expense to average assets | 2.8564% | 4,636 |
| Loan and lease loss provision to assets | 1.0092% | 1,902 |
| Net operating income to assets | -1.0812% | 6,886 |
| Return on assets (ROA) | -1.0812% | 6,891 |
| Pretax return on assets | -0.2127% | 5,999 |
| Return on Equity (ROE) | -11.8640% | 7,013 |
| Retained earnings to average equity (ytd only) | -11.8640% | 6,936 |
| Net charge-offs to loans | 0.8065% | 2,351 |
| Credit loss provision to net charge-offs | 148.1221% | 3,263 |
| Earnings coverage of net charge-offs (x) | 1.1690% | 4,894 |
| Efficiency ratio | 78.1961% | 3,135 |
| Assets per employee ($millions) | 4.7292% | 2,512 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6722% | 901 |
| Loan loss allowance to noncurrent loans | 92.7678% | 2,961 |
| Noncurrent assets plus other real estate owned to assets | 2.5175% | 2,754 |
| Noncurrent loans to loans | 2.8805% | 2,643 |
| Net loans and leases to total assets | 77.2874% | 1,726 |
| Net loans and leases to deposits | 93.0793% | 2,047 |
| Net loans and leases to core deposits | 131.1606% | 1,366 |
| Total domestic deposits to total assets | 83.0340% | 4,204 |
| Equity capital to assets | 9.0092% | 5,465 |
| Core capital (leverage) ratio | 7.2772% | 7,206 |
| Tier 1 risk-based capital ratio | 9.6366% | 7,285 |
| Total risk-based capital ratio | 10.9179% | 7,219 |
| Memoranda: | ||
| Average total assets | $83,365,750 | 5,640 |
| Average earning assets | $77,269,750 | 5,587 |
| Average equity | $7,597,000 | 6,113 |
| Average total loans | $70,424,500 | 4,900 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3329% | 5,485 |
| Cost of funding earning assets | 1.8016% | 4,749 |
| Net interest margin | 3.5313% | 4,655 |
| Noninterest income to average assets | 0.4244% | 5,085 |
| Noninterest expense to average assets | 2.8688% | 4,644 |
| Loan and lease loss provision to assets | 1.3917% | 1,245 |
| Net operating income to assets | -0.3509% | 6,400 |
| Return on assets (ROA) | -0.3509% | 6,407 |
| Pretax return on assets | -0.5785% | 6,504 |
| Return on Equity (ROE) | -3.8367% | 6,458 |
| Retained earnings to average equity (ytd only) | -3.8367% | 6,104 |
| Net charge-offs to loans | 1.1264% | 1,614 |
| Credit loss provision to net charge-offs | 143.5208% | 3,233 |
| Earnings coverage of net charge-offs (x) | 0.8386% | 4,909 |
| Efficiency ratio | 77.9137% | 3,362 |
| Assets per employee ($millions) | 5.1873% | 1,878 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3971% | 996 |
| Loan loss allowance to noncurrent loans | 128.4621% | 2,290 |
| Noncurrent assets plus other real estate owned to assets | 1.7977% | 3,481 |
| Noncurrent loans to loans | 1.8660% | 3,706 |
| Net loans and leases to total assets | 82.3692% | 890 |
| Net loans and leases to deposits | 99.0783% | 1,381 |
| Net loans and leases to core deposits | 136.0342% | 1,206 |
| Total domestic deposits to total assets | 83.1355% | 4,177 |
| Equity capital to assets | 9.0798% | 5,200 |
| Core capital (leverage) ratio | 7.9540% | 6,416 |
| Tier 1 risk-based capital ratio | 9.3697% | 7,493 |
| Total risk-based capital ratio | 10.6344% | 7,458 |
| Memoranda: | ||
| Average total assets | $84,355,670 | 5,635 |
| Average earning assets | $77,819,000 | 5,604 |
| Average equity | $7,715,000 | 6,116 |
| Average total loans | $72,618,670 | 4,859 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2498% | 6,116 |
| Cost of funding earning assets | 1.9421% | 4,418 |
| Net interest margin | 3.3077% | 5,468 |
| Noninterest income to average assets | 0.3904% | 5,295 |
| Noninterest expense to average assets | 2.8177% | 4,489 |
| Loan and lease loss provision to assets | 0.4092% | 2,872 |
| Net operating income to assets | 0.1505% | 5,817 |
| Return on assets (ROA) | 0.1505% | 5,985 |
| Pretax return on assets | 0.2399% | 5,847 |
| Return on Equity (ROE) | 1.6401% | 5,904 |
| Retained earnings to average equity (ytd only) | 1.6401% | 4,928 |
| Net charge-offs to loans | 0.6928% | 1,801 |
| Credit loss provision to net charge-offs | 67.9688% | 4,388 |
| Earnings coverage of net charge-offs (x) | 1.0781% | 4,223 |
| Efficiency ratio | 81.2754% | 2,644 |
| Assets per employee ($millions) | 4.5914% | 2,575 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9862% | 1,447 |
| Loan loss allowance to noncurrent loans | 93.4699% | 3,229 |
| Noncurrent assets plus other real estate owned to assets | 2.1138% | 2,731 |
| Noncurrent loans to loans | 2.1249% | 3,084 |
| Net loans and leases to total assets | 87.1778% | 324 |
| Net loans and leases to deposits | 105.2763% | 920 |
| Net loans and leases to core deposits | 123.9318% | 2,087 |
| Total domestic deposits to total assets | 82.8086% | 4,240 |
| Equity capital to assets | 9.4015% | 4,806 |
| Core capital (leverage) ratio | 7.9757% | 6,501 |
| Tier 1 risk-based capital ratio | 9.4340% | 7,482 |
| Total risk-based capital ratio | 10.6940% | 7,427 |
| Memoranda: | ||
| Average total assets | $85,035,000 | 5,646 |
| Average earning assets | $79,088,000 | 5,584 |
| Average equity | $7,804,500 | 6,123 |
| Average total loans | $73,906,500 | 4,837 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2883% | 4,029 |
| Cost of funding earning assets | 2.7354% | 2,994 |
| Net interest margin | 3.5529% | 5,085 |
| Noninterest income to average assets | 0.4322% | 5,195 |
| Noninterest expense to average assets | 2.2983% | 6,708 |
| Loan and lease loss provision to assets | 0.9802% | 1,503 |
| Net operating income to assets | 0.2137% | 5,807 |
| Return on assets (ROA) | 0.2137% | 5,625 |
| Pretax return on assets | 0.3761% | 5,324 |
| Return on Equity (ROE) | 2.2727% | 5,514 |
| Retained earnings to average equity (ytd only) | 2.2727% | 3,797 |
| Net charge-offs to loans | 0.2650% | 3,637 |
| Credit loss provision to net charge-offs | 423.1959% | 1,032 |
| Earnings coverage of net charge-offs (x) | 5.8557% | 3,508 |
| Efficiency ratio | 62.8879% | 5,802 |
| Assets per employee ($millions) | 4.8569% | 2,104 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0201% | 1,185 |
| Loan loss allowance to noncurrent loans | 171.3470% | 2,219 |
| Noncurrent assets plus other real estate owned to assets | 1.0020% | 4,325 |
| Noncurrent loans to loans | 1.1789% | 4,161 |
| Net loans and leases to total assets | 83.2758% | 1,000 |
| Net loans and leases to deposits | 99.6141% | 1,886 |
| Net loans and leases to core deposits | 119.7260% | 2,716 |
| Total domestic deposits to total assets | 83.5983% | 3,534 |
| Equity capital to assets | 8.9666% | 5,413 |
| Core capital (leverage) ratio | 7.9647% | 6,548 |
| Tier 1 risk-based capital ratio | 8.9553% | 7,815 |
| Total risk-based capital ratio | 10.2149% | 7,814 |
| Memoranda: | ||
| Average total assets | $83,757,800 | 5,573 |
| Average earning assets | $75,966,000 | 5,584 |
| Average equity | $7,876,000 | 6,134 |
| Average total loans | $73,207,400 | 4,762 |