Home > Live Oak State Bank > Performance and Condition Ratios
Live Oak State 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 | 3.5285% | 5,581 |
| Cost of funding earning assets | 0.2031% | 6,275 |
| Net interest margin | 3.3254% | 4,573 |
| Noninterest income to average assets | 0.2444% | 5,594 |
| Noninterest expense to average assets | 3.6234% | 1,410 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | -0.2274% | 6,378 |
| Return on assets (ROA) | -0.2274% | 6,390 |
| Pretax return on assets | -0.2274% | 6,375 |
| Return on Equity (ROE) | -2.0183% | 6,380 |
| Retained earnings to average equity (ytd only) | -7.7488% | 6,486 |
| Net charge-offs to loans | -0.0336% | 6,247 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.6954% | 326 |
| Assets per employee ($millions) | 7.6331% | 563 |
| Cash dividends to net income (ytd only)* | -283.9286% | 6,803 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5885% | 2,802 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 57.8302% | 4,064 |
| Net loans and leases to deposits | 67.2475% | 4,150 |
| Net loans and leases to core deposits | 73.0526% | 3,936 |
| Total domestic deposits to total assets | 85.9961% | 3,258 |
| Equity capital to assets | 10.4855% | 3,179 |
| Core capital (leverage) ratio | 10.2375% | 3,238 |
| Tier 1 risk-based capital ratio | 19.2836% | 1,840 |
| Total risk-based capital ratio | 20.4984% | 1,814 |
| Memoranda: | ||
| Average total assets | $123,145,600 | 4,212 |
| Average earning assets | $116,706,600 | 4,116 |
| Average equity | $13,873,200 | 4,092 |
| Average total loans | $71,519,800 | 4,204 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4985% | 5,691 |
| Cost of funding earning assets | 0.2034% | 6,384 |
| Net interest margin | 3.2952% | 4,655 |
| Noninterest income to average assets | 0.2237% | 5,826 |
| Noninterest expense to average assets | 2.2431% | 5,501 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.0967% | 2,019 |
| Return on assets (ROA) | 1.0967% | 2,092 |
| Pretax return on assets | 1.0967% | 3,129 |
| Return on Equity (ROE) | 9.5707% | 2,366 |
| Retained earnings to average equity (ytd only) | 2.0745% | 5,089 |
| Net charge-offs to loans | -0.0466% | 6,287 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1627% | 4,267 |
| Assets per employee ($millions) | 7.4474% | 596 |
| Cash dividends to net income (ytd only)* | 78.3248% | 840 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5739% | 3,127 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 56.3599% | 4,271 |
| Net loans and leases to deposits | 67.0497% | 4,170 |
| Net loans and leases to core deposits | 72.2831% | 4,057 |
| Total domestic deposits to total assets | 84.0568% | 4,164 |
| Equity capital to assets | 11.2270% | 2,533 |
| Core capital (leverage) ratio | 11.3841% | 2,139 |
| Tier 1 risk-based capital ratio | 20.9091% | 1,510 |
| Total risk-based capital ratio | 22.1640% | 1,484 |
| Memoranda: | ||
| Average total assets | $123,399,500 | 4,236 |
| Average earning assets | $116,693,750 | 4,154 |
| Average equity | $14,140,000 | 4,085 |
| Average total loans | $71,457,750 | 4,242 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5014% | 5,692 |
| Cost of funding earning assets | 0.2041% | 6,454 |
| Net interest margin | 3.2973% | 4,595 |
| Noninterest income to average assets | 0.2452% | 5,700 |
| Noninterest expense to average assets | 2.2872% | 5,405 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.0741% | 2,019 |
| Return on assets (ROA) | 1.0741% | 2,132 |
| Pretax return on assets | 1.0741% | 3,196 |
| Return on Equity (ROE) | 9.3090% | 2,489 |
| Retained earnings to average equity (ytd only) | 1.4311% | 5,309 |
| Net charge-offs to loans | -0.0703% | 6,384 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0447% | 4,178 |
| Assets per employee ($millions) | 6.8281% | 778 |
| Cash dividends to net income (ytd only)* | 84.6271% | 802 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6042% | 3,144 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 56.9424% | 4,146 |
| Net loans and leases to deposits | 67.3431% | 4,097 |
| Net loans and leases to core deposits | 72.5647% | 3,981 |
| Total domestic deposits to total assets | 84.5556% | 4,105 |
| Equity capital to assets | 11.2900% | 2,478 |
| Core capital (leverage) ratio | 11.5448% | 1,900 |
| Tier 1 risk-based capital ratio | 20.9136% | 1,511 |
| Total risk-based capital ratio | 22.1691% | 1,485 |
| Memoranda: | ||
| Average total assets | $122,330,670 | 4,293 |
| Average earning assets | $115,610,670 | 4,216 |
| Average equity | $14,115,330 | 4,127 |
| Average total loans | $71,111,670 | 4,272 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4992% | 5,709 |
| Cost of funding earning assets | 0.2042% | 6,557 |
| Net interest margin | 3.2950% | 4,536 |
| Noninterest income to average assets | 0.2884% | 5,392 |
| Noninterest expense to average assets | 2.3041% | 5,412 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.1045% | 1,839 |
| Return on assets (ROA) | 1.1045% | 1,946 |
| Pretax return on assets | 1.1045% | 2,937 |
| Return on Equity (ROE) | 9.4696% | 2,283 |
| Retained earnings to average equity (ytd only) | 0.9554% | 5,462 |
| Net charge-offs to loans | -0.0394% | 6,022 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5962% | 4,390 |
| Assets per employee ($millions) | 6.9151% | 801 |
| Cash dividends to net income (ytd only)* | 89.9110% | 751 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5877% | 3,450 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 55.9226% | 4,095 |
| Net loans and leases to deposits | 66.0819% | 4,044 |
| Net loans and leases to core deposits | 70.7628% | 3,975 |
| Total domestic deposits to total assets | 84.6263% | 4,215 |
| Equity capital to assets | 11.4644% | 2,443 |
| Core capital (leverage) ratio | 11.7688% | 1,692 |
| Tier 1 risk-based capital ratio | 20.9929% | 1,539 |
| Total risk-based capital ratio | 22.2485% | 1,512 |
| Memoranda: | ||
| Average total assets | $122,043,500 | 4,344 |
| Average earning assets | $115,570,500 | 4,254 |
| Average equity | $14,235,000 | 4,152 |
| Average total loans | $71,104,500 | 4,306 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9666% | 5,405 |
| Cost of funding earning assets | 0.2824% | 6,539 |
| Net interest margin | 3.6841% | 3,722 |
| Noninterest income to average assets | 0.1337% | 6,370 |
| Noninterest expense to average assets | 2.3132% | 5,657 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.2648% | 1,408 |
| Return on assets (ROA) | 1.2648% | 1,562 |
| Pretax return on assets | 1.2648% | 2,542 |
| Return on Equity (ROE) | 10.7022% | 1,906 |
| Retained earnings to average equity (ytd only) | 4.3818% | 3,144 |
| Net charge-offs to loans | -0.0859% | 6,799 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6513% | 4,767 |
| Assets per employee ($millions) | 6.6453% | 925 |
| Cash dividends to net income (ytd only)* | 59.0572% | 1,851 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5613% | 3,469 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0418% | 6,537 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 58.8237% | 3,836 |
| Net loans and leases to deposits | 69.9723% | 3,719 |
| Net loans and leases to core deposits | 74.8190% | 3,677 |
| Total domestic deposits to total assets | 84.0672% | 4,287 |
| Equity capital to assets | 11.8714% | 2,133 |
| Core capital (leverage) ratio | 11.6446% | 1,770 |
| Tier 1 risk-based capital ratio | 21.3196% | 1,394 |
| Total risk-based capital ratio | 22.5752% | 1,370 |
| Memoranda: | ||
| Average total assets | $117,411,400 | 4,412 |
| Average earning assets | $109,767,600 | 4,346 |
| Average equity | $13,875,600 | 4,184 |
| Average total loans | $70,993,000 | 4,327 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0070% | 5,500 |
| Cost of funding earning assets | 0.2963% | 6,634 |
| Net interest margin | 3.7108% | 3,746 |
| Noninterest income to average assets | 0.1164% | 6,558 |
| Noninterest expense to average assets | 2.3401% | 5,571 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.2345% | 1,619 |
| Return on assets (ROA) | 1.2345% | 1,790 |
| Pretax return on assets | 1.2345% | 2,852 |
| Return on Equity (ROE) | 10.4580% | 2,150 |
| Retained earnings to average equity (ytd only) | 4.4848% | 3,741 |
| Net charge-offs to loans | -0.1035% | 6,861 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4644% | 4,543 |
| Assets per employee ($millions) | 6.5737% | 917 |
| Cash dividends to net income (ytd only)* | 57.1165% | 1,385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5536% | 3,717 |
| Loan loss allowance to noncurrent loans | 1,233.3333% | 369 |
| Noncurrent assets plus other real estate owned to assets | 0.1183% | 6,422 |
| Noncurrent loans to loans | 0.1260% | 6,293 |
| Net loans and leases to total assets | 59.4429% | 3,884 |
| Net loans and leases to deposits | 71.6686% | 3,657 |
| Net loans and leases to core deposits | 77.7239% | 3,498 |
| Total domestic deposits to total assets | 82.9413% | 4,657 |
| Equity capital to assets | 11.9297% | 2,320 |
| Core capital (leverage) ratio | 11.7078% | 1,837 |
| Tier 1 risk-based capital ratio | 20.8596% | 1,562 |
| Total risk-based capital ratio | 22.1159% | 1,525 |
| Memoranda: | ||
| Average total assets | $116,860,500 | 4,463 |
| Average earning assets | $108,905,500 | 4,423 |
| Average equity | $13,794,500 | 4,241 |
| Average total loans | $70,871,750 | 4,370 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0176% | 5,597 |
| Cost of funding earning assets | 0.2999% | 6,741 |
| Net interest margin | 3.7178% | 3,737 |
| Noninterest income to average assets | 0.1272% | 6,552 |
| Noninterest expense to average assets | 2.3356% | 5,649 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.2649% | 1,526 |
| Return on assets (ROA) | 1.2649% | 1,695 |
| Pretax return on assets | 1.2649% | 2,670 |
| Return on Equity (ROE) | 10.7545% | 2,075 |
| Retained earnings to average equity (ytd only) | 5.7571% | 2,848 |
| Net charge-offs to loans | -0.1387% | 6,929 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8687% | 4,739 |
| Assets per employee ($millions) | 6.8295% | 801 |
| Cash dividends to net income (ytd only)* | 46.4674% | 1,893 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5592% | 3,748 |
| Loan loss allowance to noncurrent loans | 1,268.9655% | 345 |
| Noncurrent assets plus other real estate owned to assets | 0.1438% | 6,428 |
| Noncurrent loans to loans | 0.1229% | 6,358 |
| Net loans and leases to total assets | 60.0343% | 3,813 |
| Net loans and leases to deposits | 72.0208% | 3,604 |
| Net loans and leases to core deposits | 77.9906% | 3,516 |
| Total domestic deposits to total assets | 83.3569% | 4,602 |
| Equity capital to assets | 11.9653% | 2,176 |
| Core capital (leverage) ratio | 11.7631% | 1,747 |
| Tier 1 risk-based capital ratio | 21.0586% | 1,469 |
| Total risk-based capital ratio | 22.3135% | 1,443 |
| Memoranda: | ||
| Average total assets | $116,371,670 | 4,497 |
| Average earning assets | $108,721,000 | 4,443 |
| Average equity | $13,687,330 | 4,261 |
| Average total loans | $70,680,000 | 4,398 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0049% | 5,743 |
| Cost of funding earning assets | 0.3044% | 6,830 |
| Net interest margin | 3.7005% | 3,825 |
| Noninterest income to average assets | 0.1270% | 6,615 |
| Noninterest expense to average assets | 2.3278% | 5,700 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.2634% | 1,559 |
| Return on assets (ROA) | 1.2634% | 1,732 |
| Pretax return on assets | 1.2634% | 2,681 |
| Return on Equity (ROE) | 10.8355% | 2,096 |
| Retained earnings to average equity (ytd only) | 8.8922% | 1,624 |
| Net charge-offs to loans | -0.0283% | 6,323 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8184% | 4,775 |
| Assets per employee ($millions) | 6.9402% | 780 |
| Cash dividends to net income (ytd only)* | 17.9348% | 2,390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4732% | 4,284 |
| Loan loss allowance to noncurrent loans | 1,218.3908% | 335 |
| Noncurrent assets plus other real estate owned to assets | 0.3534% | 6,004 |
| Noncurrent loans to loans | 0.1209% | 6,445 |
| Net loans and leases to total assets | 60.0849% | 3,648 |
| Net loans and leases to deposits | 72.2822% | 3,391 |
| Net loans and leases to core deposits | 77.9319% | 3,334 |
| Total domestic deposits to total assets | 83.1255% | 4,875 |
| Equity capital to assets | 11.6305% | 2,320 |
| Core capital (leverage) ratio | 11.9893% | 1,595 |
| Tier 1 risk-based capital ratio | 20.4926% | 1,590 |
| Total risk-based capital ratio | 21.7472% | 1,568 |
| Memoranda: | ||
| Average total assets | $116,506,500 | 4,527 |
| Average earning assets | $109,067,000 | 4,456 |
| Average equity | $13,585,000 | 4,281 |
| Average total loans | $70,617,500 | 4,428 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2683% | 5,858 |
| Cost of funding earning assets | 0.3891% | 6,922 |
| Net interest margin | 3.8793% | 3,429 |
| Noninterest income to average assets | 0.1781% | 6,216 |
| Noninterest expense to average assets | 2.5251% | 5,380 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.2586% | 1,354 |
| Return on assets (ROA) | 1.2586% | 1,456 |
| Pretax return on assets | 1.2586% | 2,277 |
| Return on Equity (ROE) | 10.8908% | 1,728 |
| Retained earnings to average equity (ytd only) | 7.2374% | 1,393 |
| Net charge-offs to loans | 0.1711% | 4,788 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 11.7750% | 1,684 |
| Efficiency ratio | 66.7373% | 4,616 |
| Assets per employee ($millions) | 6.7665% | 832 |
| Cash dividends to net income (ytd only)* | 33.5456% | 2,951 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5227% | 3,921 |
| Loan loss allowance to noncurrent loans | 1,212.6437% | 340 |
| Noncurrent assets plus other real estate owned to assets | 0.4321% | 5,885 |
| Noncurrent loans to loans | 0.1256% | 6,491 |
| Net loans and leases to total assets | 59.3150% | 4,128 |
| Net loans and leases to deposits | 70.5796% | 4,012 |
| Net loans and leases to core deposits | 75.9673% | 3,986 |
| Total domestic deposits to total assets | 84.0398% | 4,298 |
| Equity capital to assets | 11.6909% | 2,346 |
| Core capital (leverage) ratio | 11.4762% | 1,911 |
| Tier 1 risk-based capital ratio | 21.1314% | 1,390 |
| Total risk-based capital ratio | 22.3867% | 1,364 |
| Memoranda: | ||
| Average total assets | $112,270,800 | 4,588 |
| Average earning assets | $104,349,800 | 4,537 |
| Average equity | $12,974,200 | 4,342 |
| Average total loans | $70,130,800 | 4,487 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3530% | 5,765 |
| Cost of funding earning assets | 0.4012% | 7,016 |
| Net interest margin | 3.9518% | 3,148 |
| Noninterest income to average assets | 0.3585% | 5,000 |
| Noninterest expense to average assets | 2.6300% | 4,973 |
| Loan and lease loss provision to assets | 0.0908% | 5,323 |
| Net operating income to assets | 1.2977% | 1,379 |
| Return on assets (ROA) | 1.2977% | 1,476 |
| Pretax return on assets | 1.2977% | 2,294 |
| Return on Equity (ROE) | 11.2631% | 1,774 |
| Retained earnings to average equity (ytd only) | 7.9858% | 1,515 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4475% | 4,815 |
| Assets per employee ($millions) | 6.7179% | 844 |
| Cash dividends to net income (ytd only)* | 29.0975% | 2,510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6492% | 3,450 |
| Loan loss allowance to noncurrent loans | 285.1852% | 1,093 |
| Noncurrent assets plus other real estate owned to assets | 0.7443% | 5,299 |
| Noncurrent loans to loans | 0.5783% | 5,718 |
| Net loans and leases to total assets | 60.3122% | 4,077 |
| Net loans and leases to deposits | 72.0318% | 3,986 |
| Net loans and leases to core deposits | 78.0357% | 3,907 |
| Total domestic deposits to total assets | 83.7300% | 4,356 |
| Equity capital to assets | 11.6301% | 2,557 |
| Core capital (leverage) ratio | 11.7092% | 1,883 |
| Tier 1 risk-based capital ratio | 21.3087% | 1,403 |
| Total risk-based capital ratio | 22.5664% | 1,378 |
| Memoranda: | ||
| Average total assets | $111,581,000 | 4,632 |
| Average earning assets | $103,343,000 | 4,592 |
| Average equity | $12,855,750 | 4,376 |
| Average total loans | $70,342,250 | 4,512 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4747% | 5,436 |
| Cost of funding earning assets | 0.4150% | 7,094 |
| Net interest margin | 4.0598% | 2,572 |
| Noninterest income to average assets | 0.3577% | 5,027 |
| Noninterest expense to average assets | 2.7008% | 4,822 |
| Loan and lease loss provision to assets | 0.1048% | 4,998 |
| Net operating income to assets | 1.2989% | 1,322 |
| Return on assets (ROA) | 1.2989% | 1,396 |
| Pretax return on assets | 1.2989% | 2,141 |
| Return on Equity (ROE) | 11.3107% | 1,695 |
| Retained earnings to average equity (ytd only) | 8.4791% | 1,271 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8011% | 4,911 |
| Assets per employee ($millions) | 6.5228% | 921 |
| Cash dividends to net income (ytd only)* | 25.0348% | 2,674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6523% | 3,485 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.0245% | 4,833 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 61.0333% | 4,081 |
| Net loans and leases to deposits | 72.0715% | 4,098 |
| Net loans and leases to core deposits | 79.2975% | 3,883 |
| Total domestic deposits to total assets | 84.6844% | 4,028 |
| Equity capital to assets | 11.7651% | 2,271 |
| Core capital (leverage) ratio | 11.6518% | 1,808 |
| Tier 1 risk-based capital ratio | 21.2885% | 1,369 |
| Total risk-based capital ratio | 22.5461% | 1,351 |
| Memoranda: | ||
| Average total assets | $110,706,670 | 4,685 |
| Average earning assets | $102,173,330 | 4,648 |
| Average equity | $12,713,670 | 4,399 |
| Average total loans | $70,445,000 | 4,556 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4604% | 5,485 |
| Cost of funding earning assets | 0.4252% | 7,171 |
| Net interest margin | 4.0352% | 2,544 |
| Noninterest income to average assets | 0.5316% | 3,637 |
| Noninterest expense to average assets | 2.6723% | 4,953 |
| Loan and lease loss provision to assets | 0.2206% | 3,453 |
| Net operating income to assets | 1.3452% | 1,163 |
| Return on assets (ROA) | 1.3452% | 1,212 |
| Pretax return on assets | 1.3452% | 1,894 |
| Return on Equity (ROE) | 11.8589% | 1,497 |
| Retained earnings to average equity (ytd only) | 10.7432% | 946 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0546% | 5,515 |
| Assets per employee ($millions) | 6.6732% | 854 |
| Cash dividends to net income (ytd only)* | 9.4086% | 2,400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5682% | 3,878 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.2566% | 2,999 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 63.0752% | 3,634 |
| Net loans and leases to deposits | 74.1441% | 3,738 |
| Net loans and leases to core deposits | 81.4106% | 3,537 |
| Total domestic deposits to total assets | 85.0710% | 3,999 |
| Equity capital to assets | 11.2796% | 2,433 |
| Core capital (leverage) ratio | 11.8770% | 1,632 |
| Tier 1 risk-based capital ratio | 19.3617% | 1,720 |
| Total risk-based capital ratio | 20.6184% | 1,690 |
| Memoranda: | ||
| Average total assets | $110,616,500 | 4,719 |
| Average earning assets | $101,605,000 | 4,701 |
| Average equity | $12,547,500 | 4,428 |
| Average total loans | $71,260,000 | 4,574 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2295% | 6,886 |
| Cost of funding earning assets | 0.5402% | 7,242 |
| Net interest margin | 3.6893% | 4,394 |
| Noninterest income to average assets | 0.2356% | 6,114 |
| Noninterest expense to average assets | 2.6930% | 5,022 |
| Loan and lease loss provision to assets | 0.3918% | 3,766 |
| Net operating income to assets | 0.5625% | 3,838 |
| Return on assets (ROA) | 0.5625% | 3,994 |
| Pretax return on assets | 0.5625% | 4,442 |
| Return on Equity (ROE) | 5.1149% | 4,021 |
| Retained earnings to average equity (ytd only) | 2.6571% | 4,001 |
| Net charge-offs to loans | 0.9384% | 2,307 |
| Credit loss provision to net charge-offs | 65.0986% | 5,981 |
| Earnings coverage of net charge-offs (x) | 1.5857% | 4,543 |
| Efficiency ratio | 73.8358% | 3,431 |
| Assets per employee ($millions) | 6.3405% | 1,017 |
| Cash dividends to net income (ytd only)* | 48.0519% | 2,180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5453% | 3,797 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.5132% | 2,761 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 63.7783% | 3,920 |
| Net loans and leases to deposits | 75.4961% | 3,918 |
| Net loans and leases to core deposits | 83.4397% | 3,677 |
| Total domestic deposits to total assets | 84.4789% | 4,125 |
| Equity capital to assets | 11.4103% | 2,337 |
| Core capital (leverage) ratio | 11.0723% | 2,104 |
| Tier 1 risk-based capital ratio | 19.2458% | 1,655 |
| Total risk-based capital ratio | 20.5023% | 1,627 |
| Memoranda: | ||
| Average total assets | $109,507,200 | 4,730 |
| Average earning assets | $101,265,800 | 4,693 |
| Average equity | $12,043,200 | 4,589 |
| Average total loans | $70,222,600 | 4,676 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2255% | 7,058 |
| Cost of funding earning assets | 0.5574% | 7,370 |
| Net interest margin | 3.6681% | 4,554 |
| Noninterest income to average assets | 0.3541% | 5,330 |
| Noninterest expense to average assets | 2.6657% | 5,023 |
| Loan and lease loss provision to assets | 0.4621% | 3,164 |
| Net operating income to assets | 0.6185% | 3,800 |
| Return on assets (ROA) | 0.6185% | 3,966 |
| Pretax return on assets | 0.6185% | 4,536 |
| Return on Equity (ROE) | 5.6763% | 3,972 |
| Retained earnings to average equity (ytd only) | 2.4931% | 4,675 |
| Net charge-offs to loans | 1.4865% | 1,353 |
| Credit loss provision to net charge-offs | 48.5969% | 5,904 |
| Earnings coverage of net charge-offs (x) | 1.1365% | 4,919 |
| Efficiency ratio | 71.1557% | 3,858 |
| Assets per employee ($millions) | 6.4676% | 982 |
| Cash dividends to net income (ytd only)* | 56.0781% | 1,386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3456% | 4,730 |
| Loan loss allowance to noncurrent loans | 871.1538% | 414 |
| Noncurrent assets plus other real estate owned to assets | 3.0951% | 2,339 |
| Noncurrent loans to loans | 0.1545% | 6,867 |
| Net loans and leases to total assets | 60.4126% | 4,830 |
| Net loans and leases to deposits | 70.9776% | 5,000 |
| Net loans and leases to core deposits | 78.7320% | 4,711 |
| Total domestic deposits to total assets | 85.1149% | 3,564 |
| Equity capital to assets | 11.0997% | 2,852 |
| Core capital (leverage) ratio | 11.1237% | 2,179 |
| Tier 1 risk-based capital ratio | 19.5429% | 1,635 |
| Total risk-based capital ratio | 20.7970% | 1,602 |
| Memoranda: | ||
| Average total assets | $109,936,750 | 4,772 |
| Average earning assets | $101,665,750 | 4,737 |
| Average equity | $11,979,250 | 4,682 |
| Average total loans | $70,322,000 | 4,742 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3336% | 6,989 |
| Cost of funding earning assets | 0.5632% | 7,462 |
| Net interest margin | 3.7704% | 4,046 |
| Noninterest income to average assets | 0.3329% | 5,494 |
| Noninterest expense to average assets | 2.5725% | 5,447 |
| Loan and lease loss provision to assets | 0.4475% | 3,083 |
| Net operating income to assets | 0.8205% | 2,875 |
| Return on assets (ROA) | 0.8205% | 3,026 |
| Pretax return on assets | 0.8205% | 3,814 |
| Return on Equity (ROE) | 7.5771% | 3,066 |
| Retained earnings to average equity (ytd only) | 4.7882% | 3,018 |
| Net charge-offs to loans | 1.0236% | 1,824 |
| Credit loss provision to net charge-offs | 67.3973% | 5,036 |
| Earnings coverage of net charge-offs (x) | 1.9096% | 4,090 |
| Efficiency ratio | 66.9825% | 4,768 |
| Assets per employee ($millions) | 6.9564% | 787 |
| Cash dividends to net income (ytd only)* | 36.8071% | 2,223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7569% | 2,865 |
| Loan loss allowance to noncurrent loans | 850.0000% | 402 |
| Noncurrent assets plus other real estate owned to assets | 0.9299% | 5,269 |
| Noncurrent loans to loans | 0.2067% | 6,840 |
| Net loans and leases to total assets | 59.7855% | 5,106 |
| Net loans and leases to deposits | 71.2109% | 5,116 |
| Net loans and leases to core deposits | 78.7566% | 4,839 |
| Total domestic deposits to total assets | 83.9555% | 4,126 |
| Equity capital to assets | 10.8703% | 2,996 |
| Core capital (leverage) ratio | 11.1504% | 2,136 |
| Tier 1 risk-based capital ratio | 19.6402% | 1,574 |
| Total risk-based capital ratio | 20.9002% | 1,549 |
| Memoranda: | ||
| Average total assets | $109,932,670 | 4,802 |
| Average earning assets | $102,271,670 | 4,741 |
| Average equity | $11,904,330 | 4,706 |
| Average total loans | $71,319,670 | 4,741 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3941% | 7,001 |
| Cost of funding earning assets | 0.5778% | 7,563 |
| Net interest margin | 3.8163% | 3,720 |
| Noninterest income to average assets | 0.3844% | 5,051 |
| Noninterest expense to average assets | 2.5850% | 5,416 |
| Loan and lease loss provision to assets | 0.5675% | 2,223 |
| Net operating income to assets | 0.7872% | 3,026 |
| Return on assets (ROA) | 0.7872% | 3,144 |
| Pretax return on assets | 0.7872% | 3,924 |
| Return on Equity (ROE) | 7.2838% | 3,208 |
| Retained earnings to average equity (ytd only) | 3.3201% | 4,159 |
| Net charge-offs to loans | 1.9969% | 859 |
| Credit loss provision to net charge-offs | 42.4658% | 4,600 |
| Earnings coverage of net charge-offs (x) | 1.0137% | 4,162 |
| Efficiency ratio | 65.6134% | 5,202 |
| Assets per employee ($millions) | 6.4405% | 1,028 |
| Cash dividends to net income (ytd only)* | 54.4186% | 1,376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5596% | 3,619 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.8174% | 5,521 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 63.3543% | 4,459 |
| Net loans and leases to deposits | 75.0398% | 4,570 |
| Net loans and leases to core deposits | 90.9754% | 3,230 |
| Total domestic deposits to total assets | 84.4277% | 3,930 |
| Equity capital to assets | 10.8367% | 2,920 |
| Core capital (leverage) ratio | 11.1844% | 2,103 |
| Tier 1 risk-based capital ratio | 18.7870% | 1,774 |
| Total risk-based capital ratio | 20.0438% | 1,736 |
| Memoranda: | ||
| Average total assets | $109,247,500 | 4,893 |
| Average earning assets | $101,773,500 | 4,821 |
| Average equity | $11,807,000 | 4,765 |
| Average total loans | $73,113,000 | 4,743 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4678% | 7,407 |
| Cost of funding earning assets | 0.7797% | 7,584 |
| Net interest margin | 3.6881% | 4,192 |
| Noninterest income to average assets | 0.3489% | 5,598 |
| Noninterest expense to average assets | 2.6257% | 5,694 |
| Loan and lease loss provision to assets | 0.5225% | 3,759 |
| Net operating income to assets | 0.6482% | 3,143 |
| Return on assets (ROA) | 0.6482% | 3,200 |
| Pretax return on assets | 0.6482% | 3,752 |
| Return on Equity (ROE) | 6.3999% | 3,034 |
| Retained earnings to average equity (ytd only) | 3.9344% | 2,454 |
| Net charge-offs to loans | 0.3046% | 4,727 |
| Credit loss provision to net charge-offs | 251.0638% | 1,410 |
| Earnings coverage of net charge-offs (x) | 5.6255% | 2,541 |
| Efficiency ratio | 69.1626% | 4,793 |
| Assets per employee ($millions) | 6.0559% | 1,213 |
| Cash dividends to net income (ytd only)* | 38.5246% | 2,991 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7278% | 2,793 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.8211% | 5,460 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 68.3008% | 3,636 |
| Net loans and leases to deposits | 82.2265% | 3,586 |
| Net loans and leases to core deposits | 113.4489% | 2,550 |
| Total domestic deposits to total assets | 83.0642% | 4,495 |
| Equity capital to assets | 10.7783% | 2,891 |
| Core capital (leverage) ratio | 10.5013% | 2,605 |
| Tier 1 risk-based capital ratio | 16.8457% | 2,187 |
| Total risk-based capital ratio | 18.1036% | 2,159 |
| Memoranda: | ||
| Average total assets | $112,920,200 | 4,759 |
| Average earning assets | $105,556,400 | 4,690 |
| Average equity | $11,437,600 | 4,899 |
| Average total loans | $77,140,000 | 4,616 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4279% | 7,584 |
| Cost of funding earning assets | 0.8067% | 7,687 |
| Net interest margin | 3.6212% | 4,400 |
| Noninterest income to average assets | 0.3699% | 5,554 |
| Noninterest expense to average assets | 2.5917% | 5,743 |
| Loan and lease loss provision to assets | 0.5443% | 3,213 |
| Net operating income to assets | 0.6181% | 3,538 |
| Return on assets (ROA) | 0.6181% | 3,589 |
| Pretax return on assets | 0.6181% | 4,138 |
| Return on Equity (ROE) | 6.1971% | 3,443 |
| Retained earnings to average equity (ytd only) | 4.0610% | 3,006 |
| Net charge-offs to loans | 0.4044% | 3,637 |
| Credit loss provision to net charge-offs | 197.8723% | 2,267 |
| Earnings coverage of net charge-offs (x) | 4.2255% | 3,208 |
| Efficiency ratio | 69.0365% | 4,776 |
| Assets per employee ($millions) | 6.3875% | 1,041 |
| Cash dividends to net income (ytd only)* | 34.4697% | 2,683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5354% | 3,254 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3479% | 6,612 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 66.0944% | 4,409 |
| Net loans and leases to deposits | 78.9946% | 4,562 |
| Net loans and leases to core deposits | 108.5833% | 3,399 |
| Total domestic deposits to total assets | 83.6695% | 3,873 |
| Equity capital to assets | 10.1039% | 3,954 |
| Core capital (leverage) ratio | 10.3859% | 2,895 |
| Tier 1 risk-based capital ratio | 16.6345% | 2,379 |
| Total risk-based capital ratio | 17.8894% | 2,328 |
| Memoranda: | ||
| Average total assets | $113,898,750 | 4,748 |
| Average earning assets | $106,444,750 | 4,693 |
| Average equity | $11,359,750 | 4,961 |
| Average total loans | $77,484,750 | 4,649 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4407% | 7,678 |
| Cost of funding earning assets | 0.8475% | 7,764 |
| Net interest margin | 3.5932% | 4,390 |
| Noninterest income to average assets | 0.4950% | 4,491 |
| Noninterest expense to average assets | 2.6968% | 5,395 |
| Loan and lease loss provision to assets | 0.6729% | 2,414 |
| Net operating income to assets | 0.4862% | 4,136 |
| Return on assets (ROA) | 0.4862% | 4,255 |
| Pretax return on assets | 0.4862% | 4,668 |
| Return on Equity (ROE) | 4.8962% | 4,122 |
| Retained earnings to average equity (ytd only) | 2.5191% | 3,930 |
| Net charge-offs to loans | 0.4691% | 2,955 |
| Credit loss provision to net charge-offs | 209.8901% | 2,183 |
| Earnings coverage of net charge-offs (x) | 3.6154% | 3,371 |
| Efficiency ratio | 69.9406% | 4,794 |
| Assets per employee ($millions) | 6.3531% | 1,028 |
| Cash dividends to net income (ytd only)* | 48.5507% | 2,101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5113% | 3,127 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5116% | 6,152 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 65.3657% | 4,688 |
| Net loans and leases to deposits | 77.3207% | 4,969 |
| Net loans and leases to core deposits | 104.2452% | 4,037 |
| Total domestic deposits to total assets | 84.5385% | 3,479 |
| Equity capital to assets | 9.9480% | 4,020 |
| Core capital (leverage) ratio | 10.2941% | 3,002 |
| Tier 1 risk-based capital ratio | 16.6289% | 2,412 |
| Total risk-based capital ratio | 17.8840% | 2,360 |
| Memoranda: | ||
| Average total assets | $113,540,000 | 4,785 |
| Average earning assets | $106,200,330 | 4,719 |
| Average equity | $11,274,000 | 5,006 |
| Average total loans | $77,587,330 | 4,671 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4027% | 7,795 |
| Cost of funding earning assets | 0.9152% | 7,794 |
| Net interest margin | 3.4875% | 4,779 |
| Noninterest income to average assets | 0.2510% | 6,446 |
| Noninterest expense to average assets | 2.4361% | 6,068 |
| Loan and lease loss provision to assets | 0.7071% | 1,805 |
| Net operating income to assets | 0.3819% | 4,940 |
| Return on assets (ROA) | 0.3819% | 5,121 |
| Pretax return on assets | 0.3819% | 5,451 |
| Return on Equity (ROE) | 3.8492% | 5,004 |
| Retained earnings to average equity (ytd only) | 3.2077% | 4,084 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1073% | 4,758 |
| Assets per employee ($millions) | 6.2243% | 1,076 |
| Cash dividends to net income (ytd only)* | 16.6667% | 2,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4301% | 3,344 |
| Loan loss allowance to noncurrent loans | 71.2773% | 4,034 |
| Noncurrent assets plus other real estate owned to assets | 1.8565% | 3,136 |
| Noncurrent loans to loans | 2.0064% | 3,255 |
| Net loans and leases to total assets | 70.3794% | 3,595 |
| Net loans and leases to deposits | 82.7207% | 4,173 |
| Net loans and leases to core deposits | 116.1675% | 2,791 |
| Total domestic deposits to total assets | 85.0808% | 3,161 |
| Equity capital to assets | 10.0806% | 3,900 |
| Core capital (leverage) ratio | 10.2788% | 3,133 |
| Tier 1 risk-based capital ratio | 15.7993% | 2,755 |
| Total risk-based capital ratio | 17.0532% | 2,693 |
| Memoranda: | ||
| Average total assets | $113,132,500 | 4,821 |
| Average earning assets | $106,206,500 | 4,743 |
| Average equity | $11,223,000 | 5,052 |
| Average total loans | $78,433,000 | 4,665 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5499% | 7,195 |
| Cost of funding earning assets | 1.8817% | 6,784 |
| Net interest margin | 3.6682% | 4,606 |
| Noninterest income to average assets | 0.1812% | 7,144 |
| Noninterest expense to average assets | 2.3244% | 6,632 |
| Loan and lease loss provision to assets | 0.5119% | 2,762 |
| Net operating income to assets | 0.7700% | 3,571 |
| Return on assets (ROA) | 0.7700% | 3,415 |
| Pretax return on assets | 0.7700% | 4,181 |
| Return on Equity (ROE) | 8.0481% | 3,055 |
| Retained earnings to average equity (ytd only) | 1.8847% | 4,056 |
| Net charge-offs to loans | 0.6577% | 1,887 |
| Credit loss provision to net charge-offs | 117.6817% | 4,573 |
| Earnings coverage of net charge-offs (x) | 2.9470% | 4,611 |
| Efficiency ratio | 64.4550% | 5,463 |
| Assets per employee ($millions) | 6.3460% | 964 |
| Cash dividends to net income (ytd only)* | 76.5816% | 1,874 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2098% | 4,459 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4158% | 5,973 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 66.4819% | 4,758 |
| Net loans and leases to deposits | 78.2010% | 5,310 |
| Net loans and leases to core deposits | 109.0668% | 3,858 |
| Total domestic deposits to total assets | 85.0142% | 2,835 |
| Equity capital to assets | 9.7629% | 4,341 |
| Core capital (leverage) ratio | 9.8867% | 3,561 |
| Tier 1 risk-based capital ratio | 16.2475% | 2,565 |
| Total risk-based capital ratio | 17.4608% | 2,518 |
| Memoranda: | ||
| Average total assets | $117,017,400 | 4,589 |
| Average earning assets | $109,263,400 | 4,531 |
| Average equity | $11,195,200 | 5,069 |
| Average total loans | $77,390,800 | 4,605 |