Home > Metro United Bank > Performance and Condition Ratios
Metro United 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 | 4.1763% | 3,427 |
| Cost of funding earning assets | 0.5999% | 2,657 |
| Net interest margin | 3.5764% | 3,569 |
| Noninterest income to average assets | 0.1756% | 6,035 |
| Noninterest expense to average assets | 2.3299% | 5,290 |
| Loan and lease loss provision to assets | -0.3126% | 6,680 |
| Net operating income to assets | 0.9537% | 2,555 |
| Return on assets (ROA) | 0.9537% | 2,623 |
| Pretax return on assets | 1.5079% | 1,421 |
| Return on Equity (ROE) | 6.7400% | 3,704 |
| Retained earnings to average equity (ytd only) | 6.7400% | 1,562 |
| Net charge-offs to loans | -0.0967% | 6,469 |
| Credit loss provision to net charge-offs | 416.9096% | 550 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7343% | 4,607 |
| Assets per employee ($millions) | 7.5995% | 577 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6213% | 2,678 |
| Loan loss allowance to noncurrent loans | 155.3590% | 2,603 |
| Noncurrent assets plus other real estate owned to assets | 0.8019% | 3,877 |
| Noncurrent loans to loans | 1.0436% | 3,425 |
| Net loans and leases to total assets | 75.5904% | 1,129 |
| Net loans and leases to deposits | 90.3108% | 1,209 |
| Net loans and leases to core deposits | 106.5730% | 765 |
| Total domestic deposits to total assets | 83.7003% | 4,283 |
| Equity capital to assets | 13.8212% | 957 |
| Core capital (leverage) ratio | 11.1872% | 2,208 |
| Tier 1 risk-based capital ratio | 14.8146% | 3,774 |
| Total risk-based capital ratio | 16.0703% | 3,717 |
| Memoranda: | ||
| Average total assets | $457,397,000 | 1,452 |
| Average earning assets | $428,392,200 | 1,426 |
| Average equity | $64,717,800 | 1,108 |
| Average total loans | $354,852,400 | 1,208 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1108% | 3,714 |
| Cost of funding earning assets | 0.6045% | 2,771 |
| Net interest margin | 3.5062% | 3,856 |
| Noninterest income to average assets | 0.1694% | 6,172 |
| Noninterest expense to average assets | 2.2984% | 5,350 |
| Loan and lease loss provision to assets | 0.0355% | 4,308 |
| Net operating income to assets | 0.7144% | 3,786 |
| Return on assets (ROA) | 0.7144% | 3,917 |
| Pretax return on assets | 1.1166% | 3,039 |
| Return on Equity (ROE) | 5.0177% | 4,716 |
| Retained earnings to average equity (ytd only) | 5.0177% | 3,071 |
| Net charge-offs to loans | 0.1672% | 2,887 |
| Credit loss provision to net charge-offs | 27.3349% | 3,945 |
| Earnings coverage of net charge-offs (x) | 8.8610% | 2,565 |
| Efficiency ratio | 66.3691% | 4,416 |
| Assets per employee ($millions) | 7.4068% | 611 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8537% | 2,130 |
| Loan loss allowance to noncurrent loans | 220.2969% | 1,824 |
| Noncurrent assets plus other real estate owned to assets | 0.6339% | 4,538 |
| Noncurrent loans to loans | 0.8415% | 4,148 |
| Net loans and leases to total assets | 73.9400% | 1,298 |
| Net loans and leases to deposits | 87.7849% | 1,391 |
| Net loans and leases to core deposits | 106.6979% | 719 |
| Total domestic deposits to total assets | 84.2287% | 4,098 |
| Equity capital to assets | 13.3679% | 1,174 |
| Core capital (leverage) ratio | 11.1648% | 2,332 |
| Tier 1 risk-based capital ratio | 14.4121% | 4,137 |
| Total risk-based capital ratio | 15.6706% | 4,087 |
| Memoranda: | ||
| Average total assets | $450,153,750 | 1,483 |
| Average earning assets | $421,258,000 | 1,457 |
| Average equity | $64,091,750 | 1,130 |
| Average total loans | $350,138,500 | 1,220 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0825% | 3,807 |
| Cost of funding earning assets | 0.5951% | 2,983 |
| Net interest margin | 3.4874% | 3,829 |
| Noninterest income to average assets | 0.1519% | 6,287 |
| Noninterest expense to average assets | 2.3286% | 5,280 |
| Loan and lease loss provision to assets | -0.0114% | 6,580 |
| Net operating income to assets | 0.6276% | 4,167 |
| Return on assets (ROA) | 0.6285% | 4,320 |
| Pretax return on assets | 1.0900% | 3,131 |
| Return on Equity (ROE) | 4.3158% | 5,091 |
| Retained earnings to average equity (ytd only) | 4.3158% | 3,534 |
| Net charge-offs to loans | 0.2552% | 2,190 |
| Credit loss provision to net charge-offs | -5.6948% | 5,439 |
| Earnings coverage of net charge-offs (x) | 5.3645% | 2,908 |
| Efficiency ratio | 68.1305% | 4,159 |
| Assets per employee ($millions) | 7.1379% | 680 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8767% | 2,178 |
| Loan loss allowance to noncurrent loans | 197.5170% | 2,007 |
| Noncurrent assets plus other real estate owned to assets | 0.8194% | 4,181 |
| Noncurrent loans to loans | 0.9501% | 4,031 |
| Net loans and leases to total assets | 76.4791% | 928 |
| Net loans and leases to deposits | 91.6889% | 990 |
| Net loans and leases to core deposits | 109.6732% | 575 |
| Total domestic deposits to total assets | 83.4116% | 4,540 |
| Equity capital to assets | 14.0595% | 953 |
| Core capital (leverage) ratio | 11.5516% | 1,895 |
| Tier 1 risk-based capital ratio | 14.4680% | 4,124 |
| Total risk-based capital ratio | 15.7268% | 4,075 |
| Memoranda: | ||
| Average total assets | $437,255,330 | 1,522 |
| Average earning assets | $407,988,330 | 1,493 |
| Average equity | $63,672,670 | 1,150 |
| Average total loans | $344,090,670 | 1,228 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1917% | 3,343 |
| Cost of funding earning assets | 0.5771% | 3,314 |
| Net interest margin | 3.6146% | 3,202 |
| Noninterest income to average assets | 0.1301% | 6,445 |
| Noninterest expense to average assets | 2.2897% | 5,457 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.6915% | 3,734 |
| Return on assets (ROA) | 0.6915% | 3,880 |
| Pretax return on assets | 1.2043% | 2,553 |
| Return on Equity (ROE) | 4.6628% | 4,757 |
| Retained earnings to average equity (ytd only) | 4.6628% | 3,436 |
| Net charge-offs to loans | 0.4602% | 1,296 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 3.3085% | 2,793 |
| Efficiency ratio | 65.2919% | 4,780 |
| Assets per employee ($millions) | 6.6730% | 907 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9814% | 2,097 |
| Loan loss allowance to noncurrent loans | 86.7060% | 3,729 |
| Noncurrent assets plus other real estate owned to assets | 1.8512% | 2,542 |
| Noncurrent loans to loans | 2.2852% | 2,286 |
| Net loans and leases to total assets | 75.8973% | 856 |
| Net loans and leases to deposits | 90.2017% | 947 |
| Net loans and leases to core deposits | 103.0689% | 765 |
| Total domestic deposits to total assets | 84.1417% | 4,414 |
| Equity capital to assets | 14.4787% | 884 |
| Core capital (leverage) ratio | 11.7574% | 1,702 |
| Tier 1 risk-based capital ratio | 14.8339% | 3,949 |
| Total risk-based capital ratio | 16.0940% | 3,907 |
| Memoranda: | ||
| Average total assets | $427,471,000 | 1,575 |
| Average earning assets | $397,833,500 | 1,536 |
| Average equity | $63,395,500 | 1,166 |
| Average total loans | $338,107,500 | 1,253 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3720% | 3,934 |
| Cost of funding earning assets | 0.6243% | 4,142 |
| Net interest margin | 3.7476% | 3,454 |
| Noninterest income to average assets | 0.1672% | 6,196 |
| Noninterest expense to average assets | 2.7496% | 4,216 |
| Loan and lease loss provision to assets | -0.1730% | 6,971 |
| Net operating income to assets | 0.6553% | 3,963 |
| Return on assets (ROA) | 0.6553% | 4,227 |
| Pretax return on assets | 1.0603% | 3,320 |
| Return on Equity (ROE) | 4.2453% | 5,044 |
| Retained earnings to average equity (ytd only) | 4.2453% | 3,239 |
| Net charge-offs to loans | -0.1775% | 6,924 |
| Credit loss provision to net charge-offs | 123.8779% | 2,297 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2154% | 2,873 |
| Assets per employee ($millions) | 6.4769% | 1,017 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1319% | 1,684 |
| Loan loss allowance to noncurrent loans | 74.8821% | 4,096 |
| Noncurrent assets plus other real estate owned to assets | 2.4710% | 1,980 |
| Noncurrent loans to loans | 2.8470% | 1,844 |
| Net loans and leases to total assets | 79.1382% | 547 |
| Net loans and leases to deposits | 93.5481% | 775 |
| Net loans and leases to core deposits | 103.9940% | 789 |
| Total domestic deposits to total assets | 84.5963% | 4,042 |
| Equity capital to assets | 15.2040% | 698 |
| Core capital (leverage) ratio | 12.8266% | 1,188 |
| Tier 1 risk-based capital ratio | 15.0731% | 3,680 |
| Total risk-based capital ratio | 16.3351% | 3,622 |
| Memoranda: | ||
| Average total assets | $398,931,600 | 1,639 |
| Average earning assets | $369,353,200 | 1,618 |
| Average equity | $61,573,600 | 1,156 |
| Average total loans | $313,853,000 | 1,338 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4118% | 4,000 |
| Cost of funding earning assets | 0.6535% | 4,163 |
| Net interest margin | 3.7583% | 3,513 |
| Noninterest income to average assets | 0.1860% | 6,185 |
| Noninterest expense to average assets | 2.8129% | 3,941 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.5174% | 4,775 |
| Return on assets (ROA) | 0.5174% | 5,036 |
| Pretax return on assets | 0.8532% | 4,292 |
| Return on Equity (ROE) | 3.3392% | 5,557 |
| Retained earnings to average equity (ytd only) | 3.3392% | 4,520 |
| Net charge-offs to loans | -0.0324% | 6,596 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3395% | 2,624 |
| Assets per employee ($millions) | 6.0926% | 1,191 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3070% | 1,504 |
| Loan loss allowance to noncurrent loans | 157.4395% | 2,180 |
| Noncurrent assets plus other real estate owned to assets | 1.5085% | 3,326 |
| Noncurrent loans to loans | 1.4654% | 3,592 |
| Net loans and leases to total assets | 78.6349% | 660 |
| Net loans and leases to deposits | 95.6281% | 681 |
| Net loans and leases to core deposits | 103.7335% | 879 |
| Total domestic deposits to total assets | 82.2299% | 4,940 |
| Equity capital to assets | 15.6419% | 679 |
| Core capital (leverage) ratio | 12.4793% | 1,418 |
| Tier 1 risk-based capital ratio | 15.2209% | 3,694 |
| Total risk-based capital ratio | 16.4853% | 3,634 |
| Memoranda: | ||
| Average total assets | $395,033,750 | 1,678 |
| Average earning assets | $365,797,500 | 1,652 |
| Average equity | $61,211,000 | 1,177 |
| Average total loans | $308,518,250 | 1,368 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3883% | 4,231 |
| Cost of funding earning assets | 0.6822% | 4,164 |
| Net interest margin | 3.7061% | 3,785 |
| Noninterest income to average assets | 0.2503% | 5,789 |
| Noninterest expense to average assets | 2.7823% | 4,085 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.5533% | 4,566 |
| Return on assets (ROA) | 0.5533% | 4,847 |
| Pretax return on assets | 0.8948% | 4,097 |
| Return on Equity (ROE) | 3.5823% | 5,448 |
| Retained earnings to average equity (ytd only) | 3.5823% | 4,212 |
| Net charge-offs to loans | -0.0007% | 6,077 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2790% | 2,851 |
| Assets per employee ($millions) | 6.1432% | 1,143 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3235% | 1,546 |
| Loan loss allowance to noncurrent loans | 153.8136% | 2,182 |
| Noncurrent assets plus other real estate owned to assets | 1.7494% | 3,103 |
| Noncurrent loans to loans | 1.5106% | 3,641 |
| Net loans and leases to total assets | 77.8423% | 743 |
| Net loans and leases to deposits | 92.5864% | 882 |
| Net loans and leases to core deposits | 100.1571% | 1,092 |
| Total domestic deposits to total assets | 84.0753% | 4,291 |
| Equity capital to assets | 15.6436% | 655 |
| Core capital (leverage) ratio | 12.2186% | 1,489 |
| Tier 1 risk-based capital ratio | 15.1482% | 3,666 |
| Total risk-based capital ratio | 16.4123% | 3,625 |
| Memoranda: | ||
| Average total assets | $394,705,330 | 1,678 |
| Average earning assets | $364,970,000 | 1,654 |
| Average equity | $60,966,330 | 1,171 |
| Average total loans | $305,103,330 | 1,380 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3560% | 4,493 |
| Cost of funding earning assets | 0.7311% | 4,016 |
| Net interest margin | 3.6249% | 4,153 |
| Noninterest income to average assets | 0.0839% | 6,808 |
| Noninterest expense to average assets | 2.4183% | 5,410 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.5887% | 4,396 |
| Return on assets (ROA) | 0.5887% | 4,614 |
| Pretax return on assets | 1.0155% | 3,627 |
| Return on Equity (ROE) | 3.8354% | 5,362 |
| Retained earnings to average equity (ytd only) | 3.8354% | 4,286 |
| Net charge-offs to loans | 0.1608% | 3,130 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 8.2975% | 1,973 |
| Efficiency ratio | 70.0147% | 3,804 |
| Assets per employee ($millions) | 6.7115% | 875 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3770% | 1,547 |
| Loan loss allowance to noncurrent loans | 47.5962% | 5,208 |
| Noncurrent assets plus other real estate owned to assets | 4.3820% | 1,230 |
| Noncurrent loans to loans | 4.9942% | 1,123 |
| Net loans and leases to total assets | 74.2392% | 1,025 |
| Net loans and leases to deposits | 88.0167% | 1,158 |
| Net loans and leases to core deposits | 95.4994% | 1,333 |
| Total domestic deposits to total assets | 84.3467% | 4,348 |
| Equity capital to assets | 15.4012% | 678 |
| Core capital (leverage) ratio | 11.9889% | 1,596 |
| Tier 1 risk-based capital ratio | 15.5333% | 3,429 |
| Total risk-based capital ratio | 16.7978% | 3,396 |
| Memoranda: | ||
| Average total assets | $395,476,500 | 1,682 |
| Average earning assets | $365,472,500 | 1,658 |
| Average equity | $60,697,000 | 1,173 |
| Average total loans | $300,991,500 | 1,412 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4915% | 5,109 |
| Cost of funding earning assets | 0.8455% | 4,498 |
| Net interest margin | 3.6459% | 4,539 |
| Noninterest income to average assets | 0.2575% | 5,695 |
| Noninterest expense to average assets | 3.4672% | 2,067 |
| Loan and lease loss provision to assets | 0.1435% | 4,821 |
| Net operating income to assets | -0.3104% | 6,353 |
| Return on assets (ROA) | -0.3104% | 6,403 |
| Pretax return on assets | 0.0022% | 6,124 |
| Return on Equity (ROE) | -2.0092% | 6,336 |
| Retained earnings to average equity (ytd only) | -2.0092% | 6,158 |
| Net charge-offs to loans | 1.0090% | 1,724 |
| Credit loss provision to net charge-offs | 18.5844% | 5,934 |
| Earnings coverage of net charge-offs (x) | 0.1888% | 5,692 |
| Efficiency ratio | 74.6495% | 3,114 |
| Assets per employee ($millions) | 6.5829% | 912 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4195% | 1,429 |
| Loan loss allowance to noncurrent loans | 46.8645% | 5,197 |
| Noncurrent assets plus other real estate owned to assets | 4.4763% | 1,229 |
| Noncurrent loans to loans | 5.1627% | 1,073 |
| Net loans and leases to total assets | 74.3275% | 1,210 |
| Net loans and leases to deposits | 88.0155% | 1,378 |
| Net loans and leases to core deposits | 95.5585% | 1,536 |
| Total domestic deposits to total assets | 84.4483% | 4,119 |
| Equity capital to assets | 15.2942% | 722 |
| Core capital (leverage) ratio | 11.9244% | 1,644 |
| Tier 1 risk-based capital ratio | 15.1996% | 3,513 |
| Total risk-based capital ratio | 16.4646% | 3,466 |
| Memoranda: | ||
| Average total assets | $400,808,200 | 1,618 |
| Average earning assets | $368,878,400 | 1,604 |
| Average equity | $61,915,200 | 1,088 |
| Average total loans | $306,651,000 | 1,386 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5287% | 5,170 |
| Cost of funding earning assets | 0.8631% | 4,678 |
| Net interest margin | 3.6657% | 4,498 |
| Noninterest income to average assets | 0.0951% | 6,769 |
| Noninterest expense to average assets | 2.7126% | 4,677 |
| Loan and lease loss provision to assets | 0.1326% | 4,774 |
| Net operating income to assets | 0.3643% | 5,143 |
| Return on assets (ROA) | 0.3643% | 5,334 |
| Pretax return on assets | 0.6215% | 4,740 |
| Return on Equity (ROE) | 2.3523% | 5,662 |
| Retained earnings to average equity (ytd only) | 2.3523% | 4,939 |
| Net charge-offs to loans | 1.3173% | 1,165 |
| Credit loss provision to net charge-offs | 13.1406% | 5,639 |
| Earnings coverage of net charge-offs (x) | 0.7474% | 5,052 |
| Efficiency ratio | 77.6174% | 2,592 |
| Assets per employee ($millions) | 6.4831% | 953 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3923% | 1,543 |
| Loan loss allowance to noncurrent loans | 36.9315% | 5,823 |
| Noncurrent assets plus other real estate owned to assets | 5.6133% | 982 |
| Noncurrent loans to loans | 6.4778% | 818 |
| Net loans and leases to total assets | 75.0369% | 1,137 |
| Net loans and leases to deposits | 92.4918% | 972 |
| Net loans and leases to core deposits | 100.5553% | 1,197 |
| Total domestic deposits to total assets | 81.1281% | 5,390 |
| Equity capital to assets | 16.1317% | 607 |
| Core capital (leverage) ratio | 11.7449% | 1,861 |
| Tier 1 risk-based capital ratio | 14.8775% | 3,738 |
| Total risk-based capital ratio | 16.1424% | 3,698 |
| Memoranda: | ||
| Average total assets | $402,267,250 | 1,619 |
| Average earning assets | $369,983,250 | 1,611 |
| Average equity | $62,292,000 | 1,090 |
| Average total loans | $308,100,750 | 1,391 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5348% | 5,245 |
| Cost of funding earning assets | 0.8754% | 4,864 |
| Net interest margin | 3.6593% | 4,475 |
| Noninterest income to average assets | 0.1141% | 6,764 |
| Noninterest expense to average assets | 2.6231% | 5,100 |
| Loan and lease loss provision to assets | 0.0369% | 5,853 |
| Net operating income to assets | 0.4810% | 4,591 |
| Return on assets (ROA) | 0.4810% | 4,735 |
| Pretax return on assets | 0.8213% | 3,941 |
| Return on Equity (ROE) | 3.1478% | 5,334 |
| Retained earnings to average equity (ytd only) | 3.1478% | 4,271 |
| Net charge-offs to loans | 1.3860% | 1,095 |
| Credit loss provision to net charge-offs | 3.4787% | 5,306 |
| Earnings coverage of net charge-offs (x) | 0.8094% | 4,693 |
| Efficiency ratio | 74.7281% | 3,239 |
| Assets per employee ($millions) | 6.8375% | 797 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5693% | 1,341 |
| Loan loss allowance to noncurrent loans | 36.1757% | 5,885 |
| Noncurrent assets plus other real estate owned to assets | 5.8128% | 979 |
| Noncurrent loans to loans | 7.1023% | 717 |
| Net loans and leases to total assets | 73.7906% | 1,456 |
| Net loans and leases to deposits | 90.5836% | 1,216 |
| Net loans and leases to core deposits | 98.6196% | 1,455 |
| Total domestic deposits to total assets | 81.4613% | 5,364 |
| Equity capital to assets | 15.7925% | 640 |
| Core capital (leverage) ratio | 11.5082% | 1,907 |
| Tier 1 risk-based capital ratio | 14.7717% | 3,633 |
| Total risk-based capital ratio | 16.0383% | 3,591 |
| Memoranda: | ||
| Average total assets | $406,694,330 | 1,617 |
| Average earning assets | $374,220,000 | 1,609 |
| Average equity | $62,139,330 | 1,087 |
| Average total loans | $311,122,000 | 1,386 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6272% | 4,837 |
| Cost of funding earning assets | 0.8902% | 4,992 |
| Net interest margin | 3.7371% | 3,909 |
| Noninterest income to average assets | 0.0748% | 7,013 |
| Noninterest expense to average assets | 2.6404% | 5,083 |
| Loan and lease loss provision to assets | 0.0291% | 5,605 |
| Net operating income to assets | 0.4731% | 4,606 |
| Return on assets (ROA) | 0.4731% | 4,689 |
| Pretax return on assets | 0.8432% | 3,727 |
| Return on Equity (ROE) | 3.1473% | 5,303 |
| Retained earnings to average equity (ytd only) | 3.1473% | 4,285 |
| Net charge-offs to loans | 2.2243% | 545 |
| Credit loss provision to net charge-offs | 1.7045% | 4,461 |
| Earnings coverage of net charge-offs (x) | 0.5102% | 4,235 |
| Efficiency ratio | 74.5575% | 3,416 |
| Assets per employee ($millions) | 6.9997% | 736 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6418% | 1,267 |
| Loan loss allowance to noncurrent loans | 41.1171% | 5,557 |
| Noncurrent assets plus other real estate owned to assets | 5.2878% | 1,167 |
| Noncurrent loans to loans | 6.4251% | 944 |
| Net loans and leases to total assets | 71.9949% | 1,726 |
| Net loans and leases to deposits | 92.8526% | 936 |
| Net loans and leases to core deposits | 102.3078% | 1,177 |
| Total domestic deposits to total assets | 77.5367% | 6,440 |
| Equity capital to assets | 15.0461% | 754 |
| Core capital (leverage) ratio | 10.8973% | 2,266 |
| Tier 1 risk-based capital ratio | 14.1079% | 4,000 |
| Total risk-based capital ratio | 15.3753% | 3,959 |
| Memoranda: | ||
| Average total assets | $411,754,000 | 1,608 |
| Average earning assets | $378,800,500 | 1,599 |
| Average equity | $61,894,500 | 1,086 |
| Average total loans | $316,507,000 | 1,379 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0231% | 4,438 |
| Cost of funding earning assets | 1.1637% | 4,772 |
| Net interest margin | 3.8594% | 3,693 |
| Noninterest income to average assets | 0.0522% | 7,091 |
| Noninterest expense to average assets | 2.9402% | 4,069 |
| Loan and lease loss provision to assets | 1.0635% | 1,511 |
| Net operating income to assets | -0.4132% | 6,326 |
| Return on assets (ROA) | -0.4132% | 6,354 |
| Pretax return on assets | -0.4267% | 6,266 |
| Return on Equity (ROE) | -3.0057% | 6,275 |
| Retained earnings to average equity (ytd only) | -3.0057% | 6,095 |
| Net charge-offs to loans | 0.4070% | 4,009 |
| Credit loss provision to net charge-offs | 337.2325% | 764 |
| Earnings coverage of net charge-offs (x) | 2.0193% | 4,220 |
| Efficiency ratio | 68.8278% | 4,397 |
| Assets per employee ($millions) | 6.9580% | 759 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9907% | 876 |
| Loan loss allowance to noncurrent loans | 61.3756% | 4,339 |
| Noncurrent assets plus other real estate owned to assets | 4.3859% | 1,524 |
| Noncurrent loans to loans | 4.8727% | 1,410 |
| Net loans and leases to total assets | 77.4183% | 1,029 |
| Net loans and leases to deposits | 99.9597% | 584 |
| Net loans and leases to core deposits | 110.4251% | 892 |
| Total domestic deposits to total assets | 77.4495% | 6,411 |
| Equity capital to assets | 15.0177% | 784 |
| Core capital (leverage) ratio | 10.7875% | 2,314 |
| Tier 1 risk-based capital ratio | 13.0089% | 4,593 |
| Total risk-based capital ratio | 14.2809% | 4,538 |
| Memoranda: | ||
| Average total assets | $444,558,800 | 1,492 |
| Average earning assets | $406,026,400 | 1,497 |
| Average equity | $61,117,800 | 1,088 |
| Average total loans | $344,435,800 | 1,299 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0757% | 4,447 |
| Cost of funding earning assets | 1.2475% | 4,587 |
| Net interest margin | 3.8283% | 3,855 |
| Noninterest income to average assets | 0.0377% | 7,333 |
| Noninterest expense to average assets | 3.0800% | 3,423 |
| Loan and lease loss provision to assets | 1.3914% | 969 |
| Net operating income to assets | -0.7581% | 6,771 |
| Return on assets (ROA) | -0.7581% | 6,805 |
| Pretax return on assets | -0.9414% | 6,829 |
| Return on Equity (ROE) | -5.6319% | 6,695 |
| Retained earnings to average equity (ytd only) | -5.6319% | 6,604 |
| Net charge-offs to loans | 0.2145% | 4,653 |
| Credit loss provision to net charge-offs | 842.7807% | 352 |
| Earnings coverage of net charge-offs (x) | 2.7255% | 3,784 |
| Efficiency ratio | 69.7874% | 4,116 |
| Assets per employee ($millions) | 6.9625% | 782 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2058% | 692 |
| Loan loss allowance to noncurrent loans | 74.0104% | 3,622 |
| Noncurrent assets plus other real estate owned to assets | 3.9495% | 1,777 |
| Noncurrent loans to loans | 4.3316% | 1,679 |
| Net loans and leases to total assets | 78.1977% | 1,007 |
| Net loans and leases to deposits | 100.5915% | 615 |
| Net loans and leases to core deposits | 109.6956% | 1,054 |
| Total domestic deposits to total assets | 77.7379% | 6,313 |
| Equity capital to assets | 14.8281% | 940 |
| Core capital (leverage) ratio | 10.0893% | 3,163 |
| Tier 1 risk-based capital ratio | 12.4796% | 5,002 |
| Total risk-based capital ratio | 13.7540% | 4,954 |
| Memoranda: | ||
| Average total assets | $453,067,750 | 1,484 |
| Average earning assets | $413,302,500 | 1,492 |
| Average equity | $60,984,500 | 1,099 |
| Average total loans | $348,640,250 | 1,302 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0524% | 4,691 |
| Cost of funding earning assets | 1.3488% | 4,196 |
| Net interest margin | 3.7036% | 4,349 |
| Noninterest income to average assets | 0.0240% | 7,452 |
| Noninterest expense to average assets | 3.3723% | 2,338 |
| Loan and lease loss provision to assets | 1.8529% | 669 |
| Net operating income to assets | -1.4184% | 7,126 |
| Return on assets (ROA) | -1.4184% | 7,132 |
| Pretax return on assets | -1.8216% | 7,180 |
| Return on Equity (ROE) | -10.8608% | 6,992 |
| Retained earnings to average equity (ytd only) | -10.8608% | 6,946 |
| Net charge-offs to loans | -0.0090% | 7,182 |
| Credit loss provision to net charge-offs | -27,050.0000% | 7,089 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1321% | 3,634 |
| Assets per employee ($millions) | 7.8290% | 537 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1158% | 753 |
| Loan loss allowance to noncurrent loans | 135.3015% | 2,060 |
| Noncurrent assets plus other real estate owned to assets | 2.1567% | 3,311 |
| Noncurrent loans to loans | 2.3028% | 3,367 |
| Net loans and leases to total assets | 72.8114% | 2,209 |
| Net loans and leases to deposits | 90.7424% | 1,737 |
| Net loans and leases to core deposits | 101.4176% | 1,875 |
| Total domestic deposits to total assets | 80.2397% | 5,657 |
| Equity capital to assets | 13.0274% | 1,557 |
| Core capital (leverage) ratio | 8.7796% | 4,953 |
| Tier 1 risk-based capital ratio | 11.5267% | 5,747 |
| Total risk-based capital ratio | 12.7999% | 5,692 |
| Memoranda: | ||
| Average total assets | $467,161,330 | 1,463 |
| Average earning assets | $426,293,330 | 1,459 |
| Average equity | $61,008,670 | 1,091 |
| Average total loans | $354,232,000 | 1,296 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0262% | 4,902 |
| Cost of funding earning assets | 1.4788% | 3,698 |
| Net interest margin | 3.5474% | 4,956 |
| Noninterest income to average assets | 0.0851% | 7,280 |
| Noninterest expense to average assets | 4.4744% | 597 |
| Loan and lease loss provision to assets | 3.6595% | 253 |
| Net operating income to assets | -3.5122% | 7,683 |
| Return on assets (ROA) | -3.5122% | 7,682 |
| Pretax return on assets | -4.8175% | 7,751 |
| Return on Equity (ROE) | -26.8618% | 7,529 |
| Retained earnings to average equity (ytd only) | -26.8618% | 7,490 |
| Net charge-offs to loans | -0.0291% | 7,183 |
| Credit loss provision to net charge-offs | -16,530.7692% | 6,721 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.7728% | 2,167 |
| Assets per employee ($millions) | 8.2726% | 454 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0237% | 801 |
| Loan loss allowance to noncurrent loans | 124.9103% | 2,228 |
| Noncurrent assets plus other real estate owned to assets | 3.3581% | 2,121 |
| Noncurrent loans to loans | 2.4207% | 3,253 |
| Net loans and leases to total assets | 74.7401% | 1,799 |
| Net loans and leases to deposits | 85.8103% | 2,624 |
| Net loans and leases to core deposits | 98.1693% | 2,325 |
| Total domestic deposits to total assets | 87.0993% | 2,578 |
| Equity capital to assets | 12.8140% | 1,594 |
| Core capital (leverage) ratio | 8.4914% | 5,389 |
| Tier 1 risk-based capital ratio | 10.4917% | 6,638 |
| Total risk-based capital ratio | 11.7625% | 6,611 |
| Memoranda: | ||
| Average total assets | $469,787,000 | 1,493 |
| Average earning assets | $427,920,500 | 1,493 |
| Average equity | $61,425,500 | 1,087 |
| Average total loans | $357,778,500 | 1,322 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4886% | 4,205 |
| Cost of funding earning assets | 2.0957% | 2,482 |
| Net interest margin | 3.3929% | 5,396 |
| Noninterest income to average assets | 0.0945% | 7,295 |
| Noninterest expense to average assets | 3.1447% | 3,571 |
| Loan and lease loss provision to assets | 1.3699% | 1,682 |
| Net operating income to assets | -0.9988% | 6,578 |
| Return on assets (ROA) | -0.9988% | 6,578 |
| Pretax return on assets | -1.3212% | 6,605 |
| Return on Equity (ROE) | -6.8516% | 6,378 |
| Retained earnings to average equity (ytd only) | -6.8516% | 6,228 |
| Net charge-offs to loans | 1.3693% | 1,827 |
| Credit loss provision to net charge-offs | 121.3786% | 4,384 |
| Earnings coverage of net charge-offs (x) | 0.0432% | 6,138 |
| Efficiency ratio | 79.5707% | 2,945 |
| Assets per employee ($millions) | 8.0730% | 496 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8052% | 2,527 |
| Loan loss allowance to noncurrent loans | 71.5454% | 3,840 |
| Noncurrent assets plus other real estate owned to assets | 3.4163% | 1,977 |
| Noncurrent loans to loans | 2.5232% | 3,026 |
| Net loans and leases to total assets | 73.9109% | 2,293 |
| Net loans and leases to deposits | 85.3160% | 3,022 |
| Net loans and leases to core deposits | 141.5193% | 752 |
| Total domestic deposits to total assets | 86.6319% | 2,688 |
| Equity capital to assets | 13.3292% | 1,385 |
| Core capital (leverage) ratio | 9.1895% | 4,139 |
| Tier 1 risk-based capital ratio | 10.6125% | 6,291 |
| Total risk-based capital ratio | 11.8681% | 6,258 |
| Memoranda: | ||
| Average total assets | $443,450,800 | 1,570 |
| Average earning assets | $405,023,600 | 1,563 |
| Average equity | $64,642,000 | 1,024 |
| Average total loans | $365,527,600 | 1,314 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6239% | 3,724 |
| Cost of funding earning assets | 2.2096% | 2,363 |
| Net interest margin | 3.4144% | 5,202 |
| Noninterest income to average assets | 0.0965% | 7,421 |
| Noninterest expense to average assets | 2.4051% | 6,401 |
| Loan and lease loss provision to assets | 1.0942% | 1,787 |
| Net operating income to assets | -0.1556% | 5,995 |
| Return on assets (ROA) | -0.1556% | 6,007 |
| Pretax return on assets | -0.2818% | 6,080 |
| Return on Equity (ROE) | -1.0431% | 5,936 |
| Retained earnings to average equity (ytd only) | -1.0431% | 5,498 |
| Net charge-offs to loans | 0.9809% | 2,009 |
| Credit loss provision to net charge-offs | 132.1984% | 3,783 |
| Earnings coverage of net charge-offs (x) | 0.9815% | 5,073 |
| Efficiency ratio | 73.4838% | 3,957 |
| Assets per employee ($millions) | 7.8571% | 548 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7311% | 2,520 |
| Loan loss allowance to noncurrent loans | 51.4562% | 4,882 |
| Noncurrent assets plus other real estate owned to assets | 3.8603% | 1,666 |
| Noncurrent loans to loans | 3.3641% | 2,245 |
| Net loans and leases to total assets | 78.1303% | 1,542 |
| Net loans and leases to deposits | 91.8315% | 2,257 |
| Net loans and leases to core deposits | 168.5915% | 283 |
| Total domestic deposits to total assets | 85.0801% | 3,186 |
| Equity capital to assets | 14.7920% | 1,068 |
| Core capital (leverage) ratio | 10.8893% | 2,486 |
| Tier 1 risk-based capital ratio | 11.7683% | 5,178 |
| Total risk-based capital ratio | 13.0233% | 5,119 |
| Memoranda: | ||
| Average total assets | $435,237,000 | 1,602 |
| Average earning assets | $397,838,750 | 1,612 |
| Average equity | $64,930,500 | 1,031 |
| Average total loans | $367,281,000 | 1,331 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7010% | 3,532 |
| Cost of funding earning assets | 2.3883% | 2,011 |
| Net interest margin | 3.3127% | 5,511 |
| Noninterest income to average assets | 0.0724% | 7,624 |
| Noninterest expense to average assets | 2.4495% | 6,297 |
| Loan and lease loss provision to assets | 1.2077% | 1,427 |
| Net operating income to assets | -0.3431% | 6,386 |
| Return on assets (ROA) | -0.3431% | 6,399 |
| Pretax return on assets | -0.5569% | 6,484 |
| Return on Equity (ROE) | -2.2931% | 6,266 |
| Retained earnings to average equity (ytd only) | -2.2931% | 5,811 |
| Net charge-offs to loans | 1.0408% | 1,719 |
| Credit loss provision to net charge-offs | 134.7396% | 3,460 |
| Earnings coverage of net charge-offs (x) | 0.7260% | 4,994 |
| Efficiency ratio | 77.6841% | 3,394 |
| Assets per employee ($millions) | 7.3586% | 653 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6649% | 2,468 |
| Loan loss allowance to noncurrent loans | 47.0174% | 5,226 |
| Noncurrent assets plus other real estate owned to assets | 4.3067% | 1,339 |
| Noncurrent loans to loans | 3.5409% | 1,976 |
| Net loans and leases to total assets | 83.9893% | 642 |
| Net loans and leases to deposits | 100.6136% | 1,223 |
| Net loans and leases to core deposits | 183.8302% | 192 |
| Total domestic deposits to total assets | 83.4771% | 4,023 |
| Equity capital to assets | 15.7408% | 874 |
| Core capital (leverage) ratio | 11.0993% | 2,331 |
| Tier 1 risk-based capital ratio | 11.6906% | 5,206 |
| Total risk-based capital ratio | 12.9451% | 5,136 |
| Memoranda: | ||
| Average total assets | $428,411,670 | 1,653 |
| Average earning assets | $391,580,330 | 1,658 |
| Average equity | $64,104,330 | 1,060 |
| Average total loans | $368,934,000 | 1,350 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6634% | 3,974 |
| Cost of funding earning assets | 2.4296% | 2,177 |
| Net interest margin | 3.2337% | 5,743 |
| Noninterest income to average assets | 0.0755% | 7,675 |
| Noninterest expense to average assets | 2.1639% | 6,971 |
| Loan and lease loss provision to assets | 1.9561% | 622 |
| Net operating income to assets | -0.6551% | 7,012 |
| Return on assets (ROA) | -0.6551% | 7,050 |
| Pretax return on assets | -1.0801% | 7,188 |
| Return on Equity (ROE) | -4.4945% | 6,938 |
| Retained earnings to average equity (ytd only) | -4.4945% | 6,488 |
| Net charge-offs to loans | 1.7902% | 809 |
| Credit loss provision to net charge-offs | 126.3697% | 3,148 |
| Earnings coverage of net charge-offs (x) | 0.5659% | 4,540 |
| Efficiency ratio | 69.8345% | 4,618 |
| Assets per employee ($millions) | 7.1547% | 723 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5767% | 2,622 |
| Loan loss allowance to noncurrent loans | 42.4758% | 5,705 |
| Noncurrent assets plus other real estate owned to assets | 3.3903% | 1,605 |
| Noncurrent loans to loans | 3.7121% | 1,673 |
| Net loans and leases to total assets | 84.9198% | 557 |
| Net loans and leases to deposits | 101.9940% | 1,176 |
| Net loans and leases to core deposits | 208.1046% | 122 |
| Total domestic deposits to total assets | 83.2596% | 4,015 |
| Equity capital to assets | 15.6574% | 934 |
| Core capital (leverage) ratio | 10.9533% | 2,539 |
| Tier 1 risk-based capital ratio | 11.6079% | 5,294 |
| Total risk-based capital ratio | 12.8613% | 5,201 |
| Memoranda: | ||
| Average total assets | $429,217,000 | 1,659 |
| Average earning assets | $393,475,500 | 1,662 |
| Average equity | $62,565,500 | 1,087 |
| Average total loans | $371,133,000 | 1,358 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7362% | 1,914 |
| Cost of funding earning assets | 3.0794% | 1,574 |
| Net interest margin | 3.6568% | 4,651 |
| Noninterest income to average assets | 0.0888% | 7,695 |
| Noninterest expense to average assets | 2.4957% | 6,028 |
| Loan and lease loss provision to assets | 1.3446% | 1,052 |
| Net operating income to assets | -0.2852% | 6,722 |
| Return on assets (ROA) | -0.2852% | 6,575 |
| Pretax return on assets | -0.4082% | 6,554 |
| Return on Equity (ROE) | -2.0563% | 6,507 |
| Retained earnings to average equity (ytd only) | -2.0563% | 5,883 |
| Net charge-offs to loans | 0.9957% | 1,246 |
| Credit loss provision to net charge-offs | 155.7055% | 3,353 |
| Earnings coverage of net charge-offs (x) | 1.0843% | 5,585 |
| Efficiency ratio | 70.9497% | 4,146 |
| Assets per employee ($millions) | 6.7055% | 810 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4362% | 2,996 |
| Loan loss allowance to noncurrent loans | 57.7718% | 5,108 |
| Noncurrent assets plus other real estate owned to assets | 2.3418% | 2,073 |
| Noncurrent loans to loans | 2.4860% | 2,195 |
| Net loans and leases to total assets | 85.4102% | 673 |
| Net loans and leases to deposits | 115.0246% | 569 |
| Net loans and leases to core deposits | 219.8100% | 110 |
| Total domestic deposits to total assets | 74.2538% | 6,614 |
| Equity capital to assets | 13.4956% | 1,596 |
| Core capital (leverage) ratio | 8.7933% | 5,046 |
| Tier 1 risk-based capital ratio | 9.1597% | 7,658 |
| Total risk-based capital ratio | 10.4115% | 7,620 |
| Memoranda: | ||
| Average total assets | $412,031,600 | 1,651 |
| Average earning assets | $376,696,800 | 1,647 |
| Average equity | $57,140,200 | 1,173 |
| Average total loans | $357,344,800 | 1,357 |