Home > Liberty Savings Bank, F.S.B. > Performance and Condition Ratios
Liberty Savings Bank, F.S.B., 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 | 5.3378% | 491 |
| Cost of funding earning assets | 0.6100% | 2,571 |
| Net interest margin | 4.7278% | 489 |
| Noninterest income to average assets | 0.2991% | 5,210 |
| Noninterest expense to average assets | 7.5714% | 125 |
| Loan and lease loss provision to assets | 0.5872% | 433 |
| Net operating income to assets | -4.3546% | 6,794 |
| Return on assets (ROA) | -4.3546% | 6,794 |
| Pretax return on assets | -4.3546% | 6,792 |
| Return on Equity (ROE) | -47.7409% | 6,769 |
| Retained earnings to average equity (ytd only) | -47.7409% | 6,766 |
| Net charge-offs to loans | 0.5932% | 1,112 |
| Credit loss provision to net charge-offs | 133.0579% | 1,771 |
| Earnings coverage of net charge-offs (x) | -8.5372% | 5,418 |
| Efficiency ratio | 199.0412% | 31 |
| Assets per employee ($millions) | 1.6764% | 6,699 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5832% | 2,829 |
| Loan loss allowance to noncurrent loans | 24.1262% | 6,095 |
| Noncurrent assets plus other real estate owned to assets | 4.9981% | 470 |
| Noncurrent loans to loans | 6.5622% | 278 |
| Net loans and leases to total assets | 74.9585% | 1,231 |
| Net loans and leases to deposits | 81.6865% | 2,222 |
| Net loans and leases to core deposits | 83.2324% | 2,752 |
| Total domestic deposits to total assets | 91.7636% | 340 |
| Equity capital to assets | 7.9594% | 6,050 |
| Core capital (leverage) ratio | 7.9594% | 6,167 |
| Tier 1 risk-based capital ratio | 11.9598% | 5,636 |
| Total risk-based capital ratio | 13.2147% | 5,573 |
| Memoranda: | ||
| Average total assets | $27,419,000 | 6,574 |
| Average earning assets | $20,326,600 | 6,649 |
| Average equity | $2,501,000 | 6,629 |
| Average total loans | $20,399,000 | 6,186 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3223% | 510 |
| Cost of funding earning assets | 0.6288% | 2,561 |
| Net interest margin | 4.6935% | 521 |
| Noninterest income to average assets | 0.3004% | 5,299 |
| Noninterest expense to average assets | 6.4303% | 172 |
| Loan and lease loss provision to assets | 0.7557% | 277 |
| Net operating income to assets | -3.4170% | 6,863 |
| Return on assets (ROA) | -3.4170% | 6,861 |
| Pretax return on assets | -3.4170% | 6,857 |
| Return on Equity (ROE) | -36.5005% | 6,835 |
| Retained earnings to average equity (ytd only) | -36.5005% | 6,831 |
| Net charge-offs to loans | 0.8179% | 715 |
| Credit loss provision to net charge-offs | 124.8062% | 1,887 |
| Earnings coverage of net charge-offs (x) | -4.3952% | 5,132 |
| Efficiency ratio | 170.6102% | 47 |
| Assets per employee ($millions) | 1.6651% | 6,769 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4283% | 3,775 |
| Loan loss allowance to noncurrent loans | 28.2631% | 6,043 |
| Noncurrent assets plus other real estate owned to assets | 3.8957% | 815 |
| Noncurrent loans to loans | 5.0535% | 588 |
| Net loans and leases to total assets | 75.9889% | 1,007 |
| Net loans and leases to deposits | 84.0709% | 1,870 |
| Net loans and leases to core deposits | 85.5874% | 2,455 |
| Total domestic deposits to total assets | 90.3868% | 797 |
| Equity capital to assets | 9.3450% | 4,748 |
| Core capital (leverage) ratio | 9.3450% | 4,624 |
| Tier 1 risk-based capital ratio | 14.0959% | 4,359 |
| Total risk-based capital ratio | 15.3521% | 4,302 |
| Memoranda: | ||
| Average total assets | $28,406,500 | 6,629 |
| Average earning assets | $20,993,000 | 6,710 |
| Average equity | $2,659,250 | 6,671 |
| Average total loans | $21,030,000 | 6,213 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3231% | 506 |
| Cost of funding earning assets | 0.6469% | 2,522 |
| Net interest margin | 4.6762% | 528 |
| Noninterest income to average assets | 0.3249% | 5,104 |
| Noninterest expense to average assets | 6.4095% | 177 |
| Loan and lease loss provision to assets | 1.0897% | 157 |
| Net operating income to assets | -3.7496% | 6,914 |
| Return on assets (ROA) | -3.7496% | 6,914 |
| Pretax return on assets | -3.7496% | 6,911 |
| Return on Equity (ROE) | -40.0337% | 6,890 |
| Retained earnings to average equity (ytd only) | -40.0337% | 6,883 |
| Net charge-offs to loans | 1.2950% | 441 |
| Credit loss provision to net charge-offs | 115.0000% | 1,924 |
| Earnings coverage of net charge-offs (x) | -2.8071% | 4,789 |
| Efficiency ratio | 170.9386% | 45 |
| Assets per employee ($millions) | 1.4670% | 6,848 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3364% | 4,333 |
| Loan loss allowance to noncurrent loans | 29.9320% | 6,022 |
| Noncurrent assets plus other real estate owned to assets | 3.1644% | 1,258 |
| Noncurrent loans to loans | 4.4649% | 784 |
| Net loans and leases to total assets | 69.9243% | 1,899 |
| Net loans and leases to deposits | 77.3382% | 2,666 |
| Net loans and leases to core deposits | 78.5855% | 3,216 |
| Total domestic deposits to total assets | 90.4137% | 798 |
| Equity capital to assets | 9.0051% | 5,210 |
| Core capital (leverage) ratio | 8.9980% | 4,992 |
| Tier 1 risk-based capital ratio | 13.8801% | 4,509 |
| Total risk-based capital ratio | 15.1807% | 4,429 |
| Memoranda: | ||
| Average total assets | $29,550,000 | 6,650 |
| Average earning assets | $21,641,330 | 6,748 |
| Average equity | $2,767,670 | 6,706 |
| Average total loans | $21,622,000 | 6,235 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3320% | 479 |
| Cost of funding earning assets | 0.6909% | 2,301 |
| Net interest margin | 4.6412% | 527 |
| Noninterest income to average assets | 0.2238% | 5,874 |
| Noninterest expense to average assets | 6.4761% | 176 |
| Loan and lease loss provision to assets | 1.7770% | 69 |
| Net operating income to assets | -4.5807% | 6,995 |
| Return on assets (ROA) | -4.5807% | 6,995 |
| Pretax return on assets | -4.5807% | 6,994 |
| Return on Equity (ROE) | -48.0580% | 6,969 |
| Retained earnings to average equity (ytd only) | -48.0580% | 6,961 |
| Net charge-offs to loans | 1.8443% | 257 |
| Credit loss provision to net charge-offs | 129.8077% | 1,520 |
| Earnings coverage of net charge-offs (x) | -2.0481% | 4,021 |
| Efficiency ratio | 176.3441% | 54 |
| Assets per employee ($millions) | 1.6910% | 6,901 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2414% | 4,993 |
| Loan loss allowance to noncurrent loans | 29.0254% | 6,063 |
| Noncurrent assets plus other real estate owned to assets | 3.1014% | 1,427 |
| Noncurrent loans to loans | 4.2769% | 1,005 |
| Net loans and leases to total assets | 71.6144% | 1,415 |
| Net loans and leases to deposits | 78.9411% | 2,219 |
| Net loans and leases to core deposits | 80.1014% | 2,794 |
| Total domestic deposits to total assets | 90.7188% | 665 |
| Equity capital to assets | 8.9329% | 5,574 |
| Core capital (leverage) ratio | 8.9198% | 5,028 |
| Tier 1 risk-based capital ratio | 14.8865% | 3,919 |
| Total risk-based capital ratio | 16.1421% | 3,876 |
| Memoranda: | ||
| Average total assets | $30,388,500 | 6,696 |
| Average earning assets | $22,580,500 | 6,800 |
| Average equity | $2,896,500 | 6,746 |
| Average total loans | $22,556,000 | 6,249 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5837% | 529 |
| Cost of funding earning assets | 0.7394% | 3,165 |
| Net interest margin | 4.8442% | 504 |
| Noninterest income to average assets | 0.9858% | 1,571 |
| Noninterest expense to average assets | 5.5468% | 269 |
| Loan and lease loss provision to assets | 0.5553% | 1,025 |
| Net operating income to assets | -2.2936% | 6,958 |
| Return on assets (ROA) | -2.2936% | 6,963 |
| Pretax return on assets | -1.1337% | 6,771 |
| Return on Equity (ROE) | -22.0384% | 6,903 |
| Retained earnings to average equity (ytd only) | -22.0384% | 6,874 |
| Net charge-offs to loans | 0.9750% | 1,127 |
| Credit loss provision to net charge-offs | 72.5322% | 4,085 |
| Earnings coverage of net charge-offs (x) | -0.7554% | 5,724 |
| Efficiency ratio | 111.6402% | 308 |
| Assets per employee ($millions) | 1.6855% | 6,964 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0547% | 5,744 |
| Loan loss allowance to noncurrent loans | 24.8466% | 6,254 |
| Noncurrent assets plus other real estate owned to assets | 3.2236% | 1,439 |
| Noncurrent loans to loans | 4.2448% | 1,052 |
| Net loans and leases to total assets | 75.1409% | 1,025 |
| Net loans and leases to deposits | 84.0783% | 1,748 |
| Net loans and leases to core deposits | 85.3373% | 2,394 |
| Total domestic deposits to total assets | 89.3701% | 1,320 |
| Equity capital to assets | 10.1322% | 3,996 |
| Core capital (leverage) ratio | 10.0959% | 3,280 |
| Tier 1 risk-based capital ratio | 16.1832% | 3,059 |
| Total risk-based capital ratio | 17.4301% | 3,015 |
| Memoranda: | ||
| Average total assets | $30,432,200 | 6,744 |
| Average earning assets | $25,019,400 | 6,785 |
| Average equity | $3,167,200 | 6,748 |
| Average total loans | $23,896,800 | 6,243 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5626% | 594 |
| Cost of funding earning assets | 0.7581% | 3,284 |
| Net interest margin | 4.8045% | 559 |
| Noninterest income to average assets | 1.0157% | 1,462 |
| Noninterest expense to average assets | 5.3804% | 289 |
| Loan and lease loss provision to assets | 0.4641% | 1,337 |
| Net operating income to assets | -2.3509% | 7,079 |
| Return on assets (ROA) | -2.3509% | 7,081 |
| Pretax return on assets | -0.8055% | 6,807 |
| Return on Equity (ROE) | -22.4410% | 7,015 |
| Retained earnings to average equity (ytd only) | -22.4410% | 7,000 |
| Net charge-offs to loans | 1.0839% | 952 |
| Credit loss provision to net charge-offs | 54.0816% | 4,303 |
| Earnings coverage of net charge-offs (x) | -0.3980% | 5,472 |
| Efficiency ratio | 106.7767% | 366 |
| Assets per employee ($millions) | 2.4022% | 6,782 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9048% | 6,367 |
| Loan loss allowance to noncurrent loans | 41.4449% | 5,573 |
| Noncurrent assets plus other real estate owned to assets | 1.6843% | 3,059 |
| Noncurrent loans to loans | 2.1830% | 2,641 |
| Net loans and leases to total assets | 76.4578% | 898 |
| Net loans and leases to deposits | 85.6420% | 1,644 |
| Net loans and leases to core deposits | 87.7444% | 2,241 |
| Total domestic deposits to total assets | 89.2760% | 1,258 |
| Equity capital to assets | 10.3590% | 4,002 |
| Core capital (leverage) ratio | 10.3237% | 3,135 |
| Tier 1 risk-based capital ratio | 17.2388% | 2,632 |
| Total risk-based capital ratio | 18.2387% | 2,695 |
| Memoranda: | ||
| Average total assets | $30,455,500 | 6,831 |
| Average earning assets | $25,503,000 | 6,856 |
| Average equity | $3,190,500 | 6,833 |
| Average total loans | $24,111,000 | 6,323 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5770% | 606 |
| Cost of funding earning assets | 0.7637% | 3,487 |
| Net interest margin | 4.8133% | 546 |
| Noninterest income to average assets | 0.6557% | 2,926 |
| Noninterest expense to average assets | 5.4309% | 289 |
| Loan and lease loss provision to assets | 0.5828% | 1,033 |
| Net operating income to assets | -3.5632% | 7,177 |
| Return on assets (ROA) | -3.5632% | 7,179 |
| Pretax return on assets | -1.2253% | 6,949 |
| Return on Equity (ROE) | -33.8826% | 7,124 |
| Retained earnings to average equity (ytd only) | -33.8826% | 7,117 |
| Net charge-offs to loans | 1.6752% | 553 |
| Credit loss provision to net charge-offs | 43.5644% | 4,180 |
| Earnings coverage of net charge-offs (x) | -0.4802% | 5,230 |
| Efficiency ratio | 113.4163% | 287 |
| Assets per employee ($millions) | 1.8899% | 7,082 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7902% | 6,691 |
| Loan loss allowance to noncurrent loans | 44.0639% | 5,448 |
| Noncurrent assets plus other real estate owned to assets | 1.4485% | 3,539 |
| Noncurrent loans to loans | 1.7934% | 3,228 |
| Net loans and leases to total assets | 80.1283% | 494 |
| Net loans and leases to deposits | 88.8783% | 1,269 |
| Net loans and leases to core deposits | 91.1074% | 1,863 |
| Total domestic deposits to total assets | 90.1551% | 840 |
| Equity capital to assets | 9.2033% | 5,459 |
| Core capital (leverage) ratio | 9.1670% | 4,663 |
| Tier 1 risk-based capital ratio | 17.8092% | 2,357 |
| Total risk-based capital ratio | 19.0491% | 2,332 |
| Memoranda: | ||
| Average total assets | $30,197,670 | 6,887 |
| Average earning assets | $25,928,000 | 6,903 |
| Average equity | $3,175,670 | 6,873 |
| Average total loans | $24,116,330 | 6,359 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6697% | 548 |
| Cost of funding earning assets | 0.7448% | 3,907 |
| Net interest margin | 4.9249% | 454 |
| Noninterest income to average assets | 0.1856% | 6,269 |
| Noninterest expense to average assets | 5.5141% | 267 |
| Loan and lease loss provision to assets | 0.9279% | 470 |
| Net operating income to assets | -1.2725% | 7,043 |
| Return on assets (ROA) | -1.2725% | 7,059 |
| Pretax return on assets | -1.9618% | 7,134 |
| Return on Equity (ROE) | -11.3879% | 7,017 |
| Retained earnings to average equity (ytd only) | -11.3879% | 6,882 |
| Net charge-offs to loans | 2.5372% | 322 |
| Credit loss provision to net charge-offs | 46.0526% | 3,346 |
| Earnings coverage of net charge-offs (x) | -0.5132% | 4,505 |
| Efficiency ratio | 123.0769% | 194 |
| Assets per employee ($millions) | 1.9278% | 7,140 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9504% | 6,416 |
| Loan loss allowance to noncurrent loans | 87.2093% | 3,425 |
| Noncurrent assets plus other real estate owned to assets | 0.8364% | 4,860 |
| Noncurrent loans to loans | 1.0898% | 4,511 |
| Net loans and leases to total assets | 76.0220% | 793 |
| Net loans and leases to deposits | 90.5682% | 913 |
| Net loans and leases to core deposits | 92.9520% | 1,554 |
| Total domestic deposits to total assets | 83.9391% | 4,523 |
| Equity capital to assets | 10.7765% | 3,178 |
| Core capital (leverage) ratio | 10.0173% | 3,350 |
| Tier 1 risk-based capital ratio | 17.8011% | 2,357 |
| Total risk-based capital ratio | 19.0498% | 2,341 |
| Memoranda: | ||
| Average total assets | $30,177,000 | 6,944 |
| Average earning assets | $26,315,500 | 6,951 |
| Average equity | $3,372,000 | 6,884 |
| Average total loans | $23,963,000 | 6,420 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9843% | 2,950 |
| Cost of funding earning assets | 0.8750% | 4,292 |
| Net interest margin | 4.1093% | 2,393 |
| Noninterest income to average assets | 0.0653% | 6,769 |
| Noninterest expense to average assets | 5.9123% | 219 |
| Loan and lease loss provision to assets | 0.1865% | 4,324 |
| Net operating income to assets | -1.9272% | 7,017 |
| Return on assets (ROA) | -1.9272% | 7,025 |
| Pretax return on assets | -2.2816% | 7,082 |
| Return on Equity (ROE) | -18.8656% | 6,969 |
| Retained earnings to average equity (ytd only) | -18.8656% | 6,955 |
| Net charge-offs to loans | -0.0176% | 6,942 |
| Credit loss provision to net charge-offs | -1,500.0000% | 6,888 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 154.8860% | 129 |
| Assets per employee ($millions) | 1.7358% | 7,225 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2659% | 5,091 |
| Loan loss allowance to noncurrent loans | 65.8798% | 4,225 |
| Noncurrent assets plus other real estate owned to assets | 1.6266% | 3,519 |
| Noncurrent loans to loans | 1.9215% | 3,310 |
| Net loans and leases to total assets | 81.1447% | 397 |
| Net loans and leases to deposits | 97.6590% | 578 |
| Net loans and leases to core deposits | 99.7417% | 1,202 |
| Total domestic deposits to total assets | 83.0899% | 4,710 |
| Equity capital to assets | 11.5897% | 2,435 |
| Core capital (leverage) ratio | 10.4448% | 2,796 |
| Tier 1 risk-based capital ratio | 15.6905% | 3,216 |
| Total risk-based capital ratio | 16.9661% | 3,169 |
| Memoranda: | ||
| Average total assets | $32,170,400 | 6,913 |
| Average earning assets | $29,372,200 | 6,887 |
| Average equity | $3,286,400 | 6,937 |
| Average total loans | $22,733,200 | 6,519 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8427% | 3,821 |
| Cost of funding earning assets | 0.9507% | 4,039 |
| Net interest margin | 3.8920% | 3,416 |
| Noninterest income to average assets | 0.1299% | 6,604 |
| Noninterest expense to average assets | 5.7740% | 226 |
| Loan and lease loss provision to assets | 0.0934% | 5,296 |
| Net operating income to assets | -1.9409% | 7,126 |
| Return on assets (ROA) | -1.9409% | 7,140 |
| Pretax return on assets | -2.1968% | 7,160 |
| Return on Equity (ROE) | -19.5918% | 7,092 |
| Retained earnings to average equity (ytd only) | -19.5918% | 7,077 |
| Net charge-offs to loans | -0.0238% | 6,942 |
| Credit loss provision to net charge-offs | -575.0000% | 6,687 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 157.3009% | 115 |
| Assets per employee ($millions) | 2.4929% | 6,895 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1193% | 5,816 |
| Loan loss allowance to noncurrent loans | 103.4615% | 2,869 |
| Noncurrent assets plus other real estate owned to assets | 0.8455% | 5,069 |
| Noncurrent loans to loans | 1.0819% | 4,748 |
| Net loans and leases to total assets | 73.3245% | 1,450 |
| Net loans and leases to deposits | 93.4631% | 883 |
| Net loans and leases to core deposits | 94.4400% | 1,750 |
| Total domestic deposits to total assets | 78.4529% | 6,103 |
| Equity capital to assets | 10.3493% | 3,897 |
| Core capital (leverage) ratio | 9.6580% | 3,905 |
| Tier 1 risk-based capital ratio | 19.8809% | 1,716 |
| Total risk-based capital ratio | 21.1291% | 1,685 |
| Memoranda: | ||
| Average total assets | $32,835,750 | 6,958 |
| Average earning assets | $29,872,500 | 6,938 |
| Average equity | $3,253,000 | 7,002 |
| Average total loans | $22,353,500 | 6,608 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7665% | 4,224 |
| Cost of funding earning assets | 0.9453% | 4,356 |
| Net interest margin | 3.8212% | 3,683 |
| Noninterest income to average assets | 0.1092% | 6,789 |
| Noninterest expense to average assets | 5.8827% | 211 |
| Loan and lease loss provision to assets | 0.0606% | 5,548 |
| Net operating income to assets | -2.2924% | 7,239 |
| Return on assets (ROA) | -2.2924% | 7,243 |
| Pretax return on assets | -2.3531% | 7,229 |
| Return on Equity (ROE) | -23.4831% | 7,183 |
| Retained earnings to average equity (ytd only) | -23.4831% | 7,172 |
| Net charge-offs to loans | -0.0459% | 7,013 |
| Credit loss provision to net charge-offs | -200.0000% | 6,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 163.8514% | 112 |
| Assets per employee ($millions) | 2.3008% | 7,120 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2288% | 5,419 |
| Loan loss allowance to noncurrent loans | 128.5714% | 2,294 |
| Noncurrent assets plus other real estate owned to assets | 0.8941% | 5,083 |
| Noncurrent loans to loans | 0.9557% | 5,077 |
| Net loans and leases to total assets | 65.1330% | 3,224 |
| Net loans and leases to deposits | 83.7224% | 2,151 |
| Net loans and leases to core deposits | 85.9977% | 2,907 |
| Total domestic deposits to total assets | 77.7964% | 6,329 |
| Equity capital to assets | 10.8876% | 3,081 |
| Core capital (leverage) ratio | 10.1962% | 3,038 |
| Tier 1 risk-based capital ratio | 22.7393% | 1,158 |
| Total risk-based capital ratio | 23.4022% | 1,201 |
| Memoranda: | ||
| Average total assets | $32,978,330 | 7,021 |
| Average earning assets | $30,043,000 | 6,994 |
| Average equity | $3,219,330 | 7,063 |
| Average total loans | $21,794,000 | 6,695 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7929% | 4,089 |
| Cost of funding earning assets | 1.2080% | 2,770 |
| Net interest margin | 3.5849% | 4,637 |
| Noninterest income to average assets | 0.1679% | 6,525 |
| Noninterest expense to average assets | 4.0765% | 946 |
| Loan and lease loss provision to assets | 0.0599% | 5,251 |
| Net operating income to assets | -0.2398% | 6,602 |
| Return on assets (ROA) | -0.2398% | 6,615 |
| Pretax return on assets | -0.6594% | 6,851 |
| Return on Equity (ROE) | -2.6012% | 6,635 |
| Retained earnings to average equity (ytd only) | -2.6012% | 6,236 |
| Net charge-offs to loans | -0.0181% | 6,539 |
| Credit loss provision to net charge-offs | -500.0000% | 5,952 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 117.2414% | 379 |
| Assets per employee ($millions) | 2.2517% | 7,220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1644% | 5,783 |
| Loan loss allowance to noncurrent loans | 303.6585% | 1,019 |
| Noncurrent assets plus other real estate owned to assets | 1.1754% | 4,598 |
| Noncurrent loans to loans | 0.3835% | 6,230 |
| Net loans and leases to total assets | 62.5740% | 3,739 |
| Net loans and leases to deposits | 80.3215% | 2,657 |
| Net loans and leases to core deposits | 83.2250% | 3,275 |
| Total domestic deposits to total assets | 77.9044% | 6,392 |
| Equity capital to assets | 11.4430% | 2,319 |
| Core capital (leverage) ratio | 10.8651% | 2,302 |
| Tier 1 risk-based capital ratio | 24.9589% | 879 |
| Total risk-based capital ratio | 24.5687% | 1,033 |
| Memoranda: | ||
| Average total assets | $33,362,000 | 7,057 |
| Average earning assets | $30,795,500 | 7,023 |
| Average equity | $3,075,500 | 7,148 |
| Average total loans | $22,070,500 | 6,736 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6958% | 1,582 |
| Cost of funding earning assets | 1.6092% | 2,017 |
| Net interest margin | 4.0867% | 2,631 |
| Noninterest income to average assets | 0.1737% | 6,501 |
| Noninterest expense to average assets | 4.1288% | 986 |
| Loan and lease loss provision to assets | 0.0695% | 6,448 |
| Net operating income to assets | -0.1990% | 6,118 |
| Return on assets (ROA) | -0.1990% | 6,164 |
| Pretax return on assets | -0.2780% | 6,145 |
| Return on Equity (ROE) | -2.7240% | 6,252 |
| Retained earnings to average equity (ytd only) | -2.7240% | 6,070 |
| Net charge-offs to loans | -0.0162% | 7,348 |
| Credit loss provision to net charge-offs | -550.0000% | 7,121 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.3183% | 639 |
| Assets per employee ($millions) | 2.7457% | 6,617 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0678% | 6,084 |
| Loan loss allowance to noncurrent loans | 154.7771% | 1,927 |
| Noncurrent assets plus other real estate owned to assets | 1.2080% | 4,611 |
| Noncurrent loans to loans | 0.6899% | 5,665 |
| Net loans and leases to total assets | 68.3319% | 2,901 |
| Net loans and leases to deposits | 83.1051% | 2,605 |
| Net loans and leases to core deposits | 84.3505% | 3,547 |
| Total domestic deposits to total assets | 82.2235% | 5,115 |
| Equity capital to assets | 6.9382% | 7,132 |
| Core capital (leverage) ratio | 6.3155% | 7,243 |
| Tier 1 risk-based capital ratio | 13.6166% | 4,121 |
| Total risk-based capital ratio | 14.8682% | 4,089 |
| Memoranda: | ||
| Average total assets | $31,655,800 | 7,154 |
| Average earning assets | $29,021,200 | 7,124 |
| Average equity | $2,312,800 | 7,451 |
| Average total loans | $24,731,800 | 6,689 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8449% | 1,268 |
| Cost of funding earning assets | 1.7098% | 1,822 |
| Net interest margin | 4.1351% | 2,462 |
| Noninterest income to average assets | 0.2043% | 6,439 |
| Noninterest expense to average assets | 4.2553% | 773 |
| Loan and lease loss provision to assets | 0.0638% | 6,425 |
| Net operating income to assets | -0.2340% | 6,361 |
| Return on assets (ROA) | -0.2340% | 6,414 |
| Pretax return on assets | -0.3276% | 6,430 |
| Return on Equity (ROE) | -3.1615% | 6,508 |
| Retained earnings to average equity (ytd only) | -3.1615% | 6,373 |
| Net charge-offs to loans | -0.0528% | 7,478 |
| Credit loss provision to net charge-offs | -150.0000% | 6,931 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.6098% | 587 |
| Assets per employee ($millions) | 2.3438% | 7,258 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0199% | 6,307 |
| Loan loss allowance to noncurrent loans | 60.5985% | 4,292 |
| Noncurrent assets plus other real estate owned to assets | 2.1136% | 3,314 |
| Noncurrent loans to loans | 1.6830% | 4,117 |
| Net loans and leases to total assets | 77.4000% | 1,147 |
| Net loans and leases to deposits | 95.8698% | 995 |
| Net loans and leases to core deposits | 96.9098% | 2,157 |
| Total domestic deposits to total assets | 80.7345% | 5,469 |
| Equity capital to assets | 7.5224% | 7,119 |
| Core capital (leverage) ratio | 6.8529% | 7,230 |
| Tier 1 risk-based capital ratio | 13.5137% | 4,201 |
| Total risk-based capital ratio | 14.7653% | 4,146 |
| Memoranda: | ||
| Average total assets | $31,332,750 | 7,247 |
| Average earning assets | $28,696,750 | 7,220 |
| Average equity | $2,319,500 | 7,545 |
| Average total loans | $25,225,500 | 6,744 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8882% | 1,216 |
| Cost of funding earning assets | 1.7810% | 1,716 |
| Net interest margin | 4.1073% | 2,524 |
| Noninterest income to average assets | 0.2403% | 6,186 |
| Noninterest expense to average assets | 4.1998% | 812 |
| Loan and lease loss provision to assets | 0.0506% | 6,463 |
| Net operating income to assets | -0.2024% | 6,363 |
| Return on assets (ROA) | -0.2024% | 6,406 |
| Pretax return on assets | -0.2467% | 6,369 |
| Return on Equity (ROE) | -2.7483% | 6,497 |
| Retained earnings to average equity (ytd only) | -2.7483% | 6,263 |
| Net charge-offs to loans | -0.0701% | 7,503 |
| Credit loss provision to net charge-offs | -88.8889% | 6,666 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.8973% | 657 |
| Assets per employee ($millions) | 2.1949% | 7,437 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9561% | 6,577 |
| Loan loss allowance to noncurrent loans | 45.7529% | 5,250 |
| Noncurrent assets plus other real estate owned to assets | 2.4797% | 2,902 |
| Noncurrent loans to loans | 2.0898% | 3,601 |
| Net loans and leases to total assets | 79.8920% | 814 |
| Net loans and leases to deposits | 99.0319% | 794 |
| Net loans and leases to core deposits | 100.0856% | 2,007 |
| Total domestic deposits to total assets | 80.6730% | 5,515 |
| Equity capital to assets | 7.5336% | 7,090 |
| Core capital (leverage) ratio | 6.8699% | 7,249 |
| Tier 1 risk-based capital ratio | 13.3223% | 4,189 |
| Total risk-based capital ratio | 14.5745% | 4,145 |
| Memoranda: | ||
| Average total assets | $31,620,670 | 7,294 |
| Average earning assets | $28,973,000 | 7,261 |
| Average equity | $2,328,670 | 7,596 |
| Average total loans | $25,692,000 | 6,761 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8829% | 1,239 |
| Cost of funding earning assets | 1.9473% | 1,252 |
| Net interest margin | 3.9355% | 3,172 |
| Noninterest income to average assets | 0.3119% | 5,655 |
| Noninterest expense to average assets | 4.3160% | 710 |
| Loan and lease loss provision to assets | 0.0374% | 6,302 |
| Net operating income to assets | -0.2744% | 6,635 |
| Return on assets (ROA) | -0.2744% | 6,693 |
| Pretax return on assets | -0.4366% | 6,742 |
| Return on Equity (ROE) | -3.7679% | 6,806 |
| Retained earnings to average equity (ytd only) | -3.7679% | 6,473 |
| Net charge-offs to loans | -0.1071% | 7,529 |
| Credit loss provision to net charge-offs | -42.8571% | 6,002 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.1911% | 595 |
| Assets per employee ($millions) | 2.4191% | 7,311 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8953% | 6,854 |
| Loan loss allowance to noncurrent loans | 40.9574% | 5,627 |
| Noncurrent assets plus other real estate owned to assets | 2.5916% | 2,814 |
| Noncurrent loans to loans | 2.1860% | 3,548 |
| Net loans and leases to total assets | 81.3088% | 673 |
| Net loans and leases to deposits | 100.2470% | 738 |
| Net loans and leases to core deposits | 101.2914% | 1,993 |
| Total domestic deposits to total assets | 81.1085% | 5,420 |
| Equity capital to assets | 7.3932% | 7,148 |
| Core capital (leverage) ratio | 6.7796% | 7,360 |
| Tier 1 risk-based capital ratio | 11.5681% | 5,608 |
| Total risk-based capital ratio | 12.8134% | 5,591 |
| Memoranda: | ||
| Average total assets | $32,066,500 | 7,379 |
| Average earning assets | $29,373,500 | 7,344 |
| Average equity | $2,335,500 | 7,680 |
| Average total loans | $26,144,500 | 6,822 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1956% | 1,249 |
| Cost of funding earning assets | 2.6684% | 635 |
| Net interest margin | 3.5272% | 4,831 |
| Noninterest income to average assets | 0.2165% | 6,565 |
| Noninterest expense to average assets | 3.5634% | 2,236 |
| Loan and lease loss provision to assets | 0.0644% | 6,927 |
| Net operating income to assets | -0.1258% | 5,718 |
| Return on assets (ROA) | -0.1258% | 5,715 |
| Pretax return on assets | -0.1551% | 5,651 |
| Return on Equity (ROE) | -1.8137% | 5,827 |
| Retained earnings to average equity (ytd only) | -1.8137% | 5,469 |
| Net charge-offs to loans | 0.1049% | 6,093 |
| Credit loss provision to net charge-offs | 73.3333% | 6,424 |
| Earnings coverage of net charge-offs (x) | -1.0333% | 6,885 |
| Efficiency ratio | 102.6116% | 991 |
| Assets per employee ($millions) | 2.3346% | 7,437 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8343% | 7,034 |
| Loan loss allowance to noncurrent loans | 30.3155% | 6,450 |
| Noncurrent assets plus other real estate owned to assets | 3.2339% | 2,121 |
| Noncurrent loans to loans | 2.7522% | 2,810 |
| Net loans and leases to total assets | 80.3641% | 930 |
| Net loans and leases to deposits | 98.2826% | 1,071 |
| Net loans and leases to core deposits | 110.9483% | 2,801 |
| Total domestic deposits to total assets | 81.7684% | 5,048 |
| Equity capital to assets | 7.1776% | 7,276 |
| Core capital (leverage) ratio | 6.5860% | 7,452 |
| Tier 1 risk-based capital ratio | 12.5949% | 4,447 |
| Total risk-based capital ratio | 13.8433% | 4,397 |
| Memoranda: | ||
| Average total assets | $34,180,600 | 7,318 |
| Average earning assets | $31,554,800 | 7,286 |
| Average equity | $2,370,800 | 7,756 |
| Average total loans | $28,603,800 | 6,715 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2032% | 1,372 |
| Cost of funding earning assets | 2.8010% | 595 |
| Net interest margin | 3.4022% | 5,252 |
| Noninterest income to average assets | 0.2045% | 6,755 |
| Noninterest expense to average assets | 3.4495% | 2,422 |
| Loan and lease loss provision to assets | 0.0772% | 6,597 |
| Net operating income to assets | -0.1466% | 5,981 |
| Return on assets (ROA) | -0.1466% | 5,997 |
| Pretax return on assets | -0.1775% | 5,946 |
| Return on Equity (ROE) | -2.1317% | 6,112 |
| Retained earnings to average equity (ytd only) | -2.1317% | 5,749 |
| Net charge-offs to loans | 0.0504% | 6,212 |
| Credit loss provision to net charge-offs | 181.8182% | 2,511 |
| Earnings coverage of net charge-offs (x) | -2.3633% | 6,770 |
| Efficiency ratio | 102.9954% | 949 |
| Assets per employee ($millions) | 2.5855% | 7,078 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8610% | 6,922 |
| Loan loss allowance to noncurrent loans | 44.5896% | 5,341 |
| Noncurrent assets plus other real estate owned to assets | 2.5705% | 2,699 |
| Noncurrent loans to loans | 1.9308% | 3,732 |
| Net loans and leases to total assets | 81.8785% | 832 |
| Net loans and leases to deposits | 99.5407% | 1,152 |
| Net loans and leases to core deposits | 115.5665% | 2,668 |
| Total domestic deposits to total assets | 82.2563% | 4,565 |
| Equity capital to assets | 6.9945% | 7,600 |
| Core capital (leverage) ratio | 6.4182% | 7,698 |
| Tier 1 risk-based capital ratio | 12.3845% | 4,643 |
| Total risk-based capital ratio | 13.6379% | 4,583 |
| Memoranda: | ||
| Average total assets | $34,554,500 | 7,360 |
| Average earning assets | $31,939,500 | 7,332 |
| Average equity | $2,377,000 | 7,831 |
| Average total loans | $29,132,750 | 6,734 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2047% | 1,438 |
| Cost of funding earning assets | 2.8632% | 663 |
| Net interest margin | 3.3415% | 5,399 |
| Noninterest income to average assets | 0.2008% | 6,854 |
| Noninterest expense to average assets | 3.4644% | 2,443 |
| Loan and lease loss provision to assets | 0.0459% | 6,769 |
| Net operating income to assets | -0.2008% | 6,190 |
| Return on assets (ROA) | -0.2008% | 6,213 |
| Pretax return on assets | -0.2237% | 6,150 |
| Return on Equity (ROE) | -2.9342% | 6,354 |
| Retained earnings to average equity (ytd only) | -2.9342% | 5,962 |
| Net charge-offs to loans | 0.0811% | 5,395 |
| Credit loss provision to net charge-offs | 66.6667% | 5,479 |
| Earnings coverage of net charge-offs (x) | -2.5833% | 6,390 |
| Efficiency ratio | 105.4101% | 986 |
| Assets per employee ($millions) | 2.6981% | 6,835 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8199% | 7,086 |
| Loan loss allowance to noncurrent loans | 65.0138% | 4,179 |
| Noncurrent assets plus other real estate owned to assets | 2.0442% | 3,137 |
| Noncurrent loans to loans | 1.2612% | 4,679 |
| Net loans and leases to total assets | 81.3885% | 1,074 |
| Net loans and leases to deposits | 98.3667% | 1,474 |
| Net loans and leases to core deposits | 113.8147% | 2,930 |
| Total domestic deposits to total assets | 82.7398% | 4,366 |
| Equity capital to assets | 6.7142% | 7,745 |
| Core capital (leverage) ratio | 6.7142% | 7,696 |
| Tier 1 risk-based capital ratio | 12.9702% | 4,169 |
| Total risk-based capital ratio | 14.2204% | 4,086 |
| Memoranda: | ||
| Average total assets | $34,868,670 | 7,410 |
| Average earning assets | $32,201,330 | 7,389 |
| Average equity | $2,385,670 | 7,910 |
| Average total loans | $29,590,330 | 6,757 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2854% | 1,342 |
| Cost of funding earning assets | 2.8762% | 815 |
| Net interest margin | 3.4093% | 5,104 |
| Noninterest income to average assets | 0.1496% | 7,232 |
| Noninterest expense to average assets | 3.1526% | 3,185 |
| Loan and lease loss provision to assets | 0.0460% | 6,399 |
| Net operating income to assets | 0.0805% | 6,036 |
| Return on assets (ROA) | 0.0805% | 6,204 |
| Pretax return on assets | 0.1151% | 6,133 |
| Return on Equity (ROE) | 1.1662% | 6,077 |
| Retained earnings to average equity (ytd only) | 1.1662% | 5,173 |
| Net charge-offs to loans | 0.0800% | 4,378 |
| Credit loss provision to net charge-offs | 66.6667% | 4,404 |
| Earnings coverage of net charge-offs (x) | 2.3333% | 3,566 |
| Efficiency ratio | 95.1389% | 1,372 |
| Assets per employee ($millions) | 2.6397% | 7,000 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8025% | 7,152 |
| Loan loss allowance to noncurrent loans | 60.1010% | 4,594 |
| Noncurrent assets plus other real estate owned to assets | 2.1885% | 2,614 |
| Noncurrent loans to loans | 1.3352% | 4,313 |
| Net loans and leases to total assets | 85.7326% | 483 |
| Net loans and leases to deposits | 104.1342% | 1,003 |
| Net loans and leases to core deposits | 125.3836% | 1,965 |
| Total domestic deposits to total assets | 82.3289% | 4,428 |
| Equity capital to assets | 6.9967% | 7,683 |
| Core capital (leverage) ratio | 6.9967% | 7,636 |
| Tier 1 risk-based capital ratio | 13.0845% | 4,135 |
| Total risk-based capital ratio | 14.3324% | 4,044 |
| Memoranda: | ||
| Average total assets | $34,765,500 | 7,456 |
| Average earning assets | $32,265,000 | 7,429 |
| Average equity | $2,401,000 | 7,957 |
| Average total loans | $29,994,000 | 6,763 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4603% | 3,156 |
| Cost of funding earning assets | 3.4387% | 626 |
| Net interest margin | 3.0216% | 6,853 |
| Noninterest income to average assets | 0.1789% | 7,159 |
| Noninterest expense to average assets | 3.3721% | 2,758 |
| Loan and lease loss provision to assets | 0.0531% | 6,750 |
| Net operating income to assets | -0.2265% | 6,649 |
| Return on assets (ROA) | -0.2265% | 6,491 |
| Pretax return on assets | -0.4306% | 6,579 |
| Return on Equity (ROE) | -3.3377% | 6,666 |
| Retained earnings to average equity (ytd only) | -3.3377% | 6,190 |
| Net charge-offs to loans | 0.0415% | 6,195 |
| Credit loss provision to net charge-offs | 146.1538% | 3,609 |
| Earnings coverage of net charge-offs (x) | -10.3846% | 6,899 |
| Efficiency ratio | 112.6050% | 660 |
| Assets per employee ($millions) | 2.7088% | 6,764 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7880% | 7,150 |
| Loan loss allowance to noncurrent loans | 54.1950% | 5,267 |
| Noncurrent assets plus other real estate owned to assets | 2.2604% | 2,156 |
| Noncurrent loans to loans | 1.4540% | 3,619 |
| Net loans and leases to total assets | 85.4494% | 669 |
| Net loans and leases to deposits | 108.8361% | 911 |
| Net loans and leases to core deposits | 125.3009% | 2,228 |
| Total domestic deposits to total assets | 78.5120% | 5,543 |
| Equity capital to assets | 6.8181% | 7,820 |
| Core capital (leverage) ratio | 6.8181% | 7,806 |
| Tier 1 risk-based capital ratio | 12.7713% | 4,244 |
| Total risk-based capital ratio | 14.0213% | 4,165 |
| Memoranda: | ||
| Average total assets | $35,764,400 | 7,393 |
| Average earning assets | $33,326,600 | 7,360 |
| Average equity | $2,426,800 | 8,009 |
| Average total loans | $31,310,000 | 6,636 |