Home > Mountain 1st Bank & Trust Company > Performance and Condition Ratios
Mountain 1st Bank & Trust Company, 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 | 3.6831% | 5,183 |
| Cost of funding earning assets | 0.6036% | 2,629 |
| Net interest margin | 3.0795% | 5,376 |
| Noninterest income to average assets | 0.6025% | 3,082 |
| Noninterest expense to average assets | 2.8981% | 3,374 |
| Loan and lease loss provision to assets | 0.1379% | 2,582 |
| Net operating income to assets | 0.4355% | 5,013 |
| Return on assets (ROA) | 0.4665% | 5,016 |
| Pretax return on assets | 0.4665% | 5,306 |
| Return on Equity (ROE) | 23.1892% | 173 |
| Retained earnings to average equity (ytd only) | 22.9705% | 62 |
| Net charge-offs to loans | 1.0499% | 540 |
| Credit loss provision to net charge-offs | 24.5175% | 4,362 |
| Earnings coverage of net charge-offs (x) | 1.0196% | 4,735 |
| Efficiency ratio | 83.4847% | 1,689 |
| Assets per employee ($millions) | 5.4519% | 1,696 |
| Cash dividends to net income (ytd only)* | 0.9431% | 4,271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2973% | 1,039 |
| Loan loss allowance to noncurrent loans | 36.5204% | 5,736 |
| Noncurrent assets plus other real estate owned to assets | 5.3228% | 421 |
| Noncurrent loans to loans | 6.2905% | 305 |
| Net loans and leases to total assets | 51.5381% | 4,914 |
| Net loans and leases to deposits | 52.5981% | 5,581 |
| Net loans and leases to core deposits | 55.5095% | 5,575 |
| Total domestic deposits to total assets | 97.9847% | 6 |
| Equity capital to assets | 1.4276% | 6,797 |
| Core capital (leverage) ratio | 3.3200% | 6,769 |
| Tier 1 risk-based capital ratio | 6.4183% | 6,747 |
| Total risk-based capital ratio | 7.6808% | 6,747 |
| Memoranda: | ||
| Average total assets | $681,821,600 | 978 |
| Average earning assets | $635,192,200 | 956 |
| Average equity | $13,717,600 | 4,121 |
| Average total loans | $365,164,000 | 1,170 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6717% | 5,249 |
| Cost of funding earning assets | 0.6144% | 2,694 |
| Net interest margin | 3.0573% | 5,443 |
| Noninterest income to average assets | 0.7416% | 2,407 |
| Noninterest expense to average assets | 2.8889% | 3,344 |
| Loan and lease loss provision to assets | 0.1813% | 2,006 |
| Net operating income to assets | 0.5224% | 4,705 |
| Return on assets (ROA) | 0.5633% | 4,665 |
| Pretax return on assets | 0.5633% | 5,156 |
| Return on Equity (ROE) | 26.2243% | 100 |
| Retained earnings to average equity (ytd only) | 25.9550% | 41 |
| Net charge-offs to loans | 0.9468% | 608 |
| Credit loss provision to net charge-offs | 35.6196% | 3,796 |
| Earnings coverage of net charge-offs (x) | 1.3827% | 4,372 |
| Efficiency ratio | 80.4144% | 2,038 |
| Assets per employee ($millions) | 4.7511% | 2,503 |
| Cash dividends to net income (ytd only)* | 1.0271% | 3,727 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5738% | 858 |
| Loan loss allowance to noncurrent loans | 48.4768% | 5,290 |
| Noncurrent assets plus other real estate owned to assets | 4.8825% | 582 |
| Noncurrent loans to loans | 5.3094% | 534 |
| Net loans and leases to total assets | 50.4453% | 5,087 |
| Net loans and leases to deposits | 51.5534% | 5,743 |
| Net loans and leases to core deposits | 54.3162% | 5,740 |
| Total domestic deposits to total assets | 97.8506% | 4 |
| Equity capital to assets | 1.4733% | 6,882 |
| Core capital (leverage) ratio | 3.1927% | 6,853 |
| Tier 1 risk-based capital ratio | 6.1432% | 6,824 |
| Total risk-based capital ratio | 7.4088% | 6,824 |
| Memoranda: | ||
| Average total assets | $691,446,000 | 965 |
| Average earning assets | $644,772,500 | 946 |
| Average equity | $14,851,000 | 3,944 |
| Average total loans | $371,616,750 | 1,147 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6044% | 5,418 |
| Cost of funding earning assets | 0.6217% | 2,757 |
| Net interest margin | 2.9827% | 5,605 |
| Noninterest income to average assets | 0.8548% | 1,983 |
| Noninterest expense to average assets | 2.8082% | 3,649 |
| Loan and lease loss provision to assets | 0.2697% | 1,368 |
| Net operating income to assets | 0.5644% | 4,481 |
| Return on assets (ROA) | 0.6252% | 4,336 |
| Pretax return on assets | 0.6252% | 4,927 |
| Return on Equity (ROE) | 26.4313% | 105 |
| Retained earnings to average equity (ytd only) | 26.0674% | 47 |
| Net charge-offs to loans | 0.5625% | 1,173 |
| Credit loss provision to net charge-offs | 88.1801% | 2,483 |
| Earnings coverage of net charge-offs (x) | 2.7270% | 3,605 |
| Efficiency ratio | 77.0994% | 2,609 |
| Assets per employee ($millions) | 4.5854% | 2,670 |
| Cash dividends to net income (ytd only)* | 1.3768% | 3,505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8871% | 652 |
| Loan loss allowance to noncurrent loans | 47.7620% | 5,302 |
| Noncurrent assets plus other real estate owned to assets | 5.2256% | 570 |
| Noncurrent loans to loans | 6.0448% | 463 |
| Net loans and leases to total assets | 52.0088% | 4,865 |
| Net loans and leases to deposits | 53.1214% | 5,597 |
| Net loans and leases to core deposits | 55.8799% | 5,607 |
| Total domestic deposits to total assets | 97.9054% | 3 |
| Equity capital to assets | 1.4796% | 6,931 |
| Core capital (leverage) ratio | 3.0452% | 6,903 |
| Tier 1 risk-based capital ratio | 5.7273% | 6,878 |
| Total risk-based capital ratio | 6.9971% | 6,880 |
| Memoranda: | ||
| Average total assets | $697,041,670 | 954 |
| Average earning assets | $651,430,330 | 927 |
| Average equity | $16,488,000 | 3,698 |
| Average total loans | $379,047,330 | 1,126 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6318% | 5,356 |
| Cost of funding earning assets | 0.6234% | 2,893 |
| Net interest margin | 3.0084% | 5,544 |
| Noninterest income to average assets | 0.7518% | 2,330 |
| Noninterest expense to average assets | 2.7832% | 3,756 |
| Loan and lease loss provision to assets | 0.5341% | 502 |
| Net operating income to assets | 0.2506% | 5,724 |
| Return on assets (ROA) | 0.2756% | 5,766 |
| Pretax return on assets | 0.2756% | 5,907 |
| Return on Equity (ROE) | 9.8590% | 2,113 |
| Retained earnings to average equity (ytd only) | 9.2491% | 1,311 |
| Net charge-offs to loans | 0.8744% | 695 |
| Credit loss provision to net charge-offs | 111.5065% | 1,678 |
| Earnings coverage of net charge-offs (x) | 1.6382% | 3,285 |
| Efficiency ratio | 78.0061% | 2,608 |
| Assets per employee ($millions) | 4.7126% | 2,632 |
| Cash dividends to net income (ytd only)* | 6.1856% | 2,553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8554% | 772 |
| Loan loss allowance to noncurrent loans | 50.6527% | 5,137 |
| Noncurrent assets plus other real estate owned to assets | 5.3091% | 660 |
| Noncurrent loans to loans | 5.6372% | 627 |
| Net loans and leases to total assets | 52.6177% | 4,610 |
| Net loans and leases to deposits | 54.6650% | 5,383 |
| Net loans and leases to core deposits | 57.4592% | 5,392 |
| Total domestic deposits to total assets | 96.2549% | 19 |
| Equity capital to assets | 2.8228% | 6,985 |
| Core capital (leverage) ratio | 2.8037% | 6,976 |
| Tier 1 risk-based capital ratio | 5.1365% | 6,953 |
| Total risk-based capital ratio | 6.4062% | 6,955 |
| Memoranda: | ||
| Average total assets | $703,947,000 | 952 |
| Average earning assets | $658,959,000 | 924 |
| Average equity | $19,677,500 | 3,287 |
| Average total loans | $385,619,000 | 1,109 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9246% | 5,507 |
| Cost of funding earning assets | 0.8709% | 2,135 |
| Net interest margin | 3.0537% | 5,920 |
| Noninterest income to average assets | 0.6980% | 2,738 |
| Noninterest expense to average assets | 3.0114% | 3,229 |
| Loan and lease loss provision to assets | 0.7431% | 679 |
| Net operating income to assets | -0.2389% | 6,402 |
| Return on assets (ROA) | 0.1786% | 5,999 |
| Pretax return on assets | 0.1786% | 6,027 |
| Return on Equity (ROE) | 6.6765% | 3,824 |
| Retained earnings to average equity (ytd only) | 6.5291% | 1,803 |
| Net charge-offs to loans | 1.2988% | 747 |
| Credit loss provision to net charge-offs | 100.7639% | 3,009 |
| Earnings coverage of net charge-offs (x) | 0.6837% | 5,143 |
| Efficiency ratio | 85.6576% | 1,463 |
| Assets per employee ($millions) | 4.8660% | 2,396 |
| Cash dividends to net income (ytd only)* | 2.2082% | 4,269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7169% | 904 |
| Loan loss allowance to noncurrent loans | 37.4234% | 5,750 |
| Noncurrent assets plus other real estate owned to assets | 5.4032% | 698 |
| Noncurrent loans to loans | 7.2599% | 429 |
| Net loans and leases to total assets | 53.8788% | 4,633 |
| Net loans and leases to deposits | 55.9703% | 5,449 |
| Net loans and leases to core deposits | 59.0011% | 5,451 |
| Total domestic deposits to total assets | 96.2633% | 22 |
| Equity capital to assets | 2.7683% | 7,041 |
| Core capital (leverage) ratio | 2.6410% | 7,039 |
| Tier 1 risk-based capital ratio | 4.8425% | 7,022 |
| Total risk-based capital ratio | 6.1108% | 7,025 |
| Memoranda: | ||
| Average total assets | $709,995,200 | 929 |
| Average earning assets | $655,100,200 | 918 |
| Average equity | $18,992,000 | 3,335 |
| Average total loans | $403,155,800 | 1,034 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9894% | 5,546 |
| Cost of funding earning assets | 0.9232% | 2,027 |
| Net interest margin | 3.0662% | 6,028 |
| Noninterest income to average assets | 0.5984% | 3,285 |
| Noninterest expense to average assets | 2.9953% | 3,250 |
| Loan and lease loss provision to assets | 0.7885% | 606 |
| Net operating income to assets | -0.3685% | 6,632 |
| Return on assets (ROA) | 0.0481% | 6,348 |
| Pretax return on assets | 0.0481% | 6,339 |
| Return on Equity (ROE) | 1.8133% | 6,074 |
| Retained earnings to average equity (ytd only) | 1.6150% | 5,526 |
| Net charge-offs to loans | 1.3251% | 705 |
| Credit loss provision to net charge-offs | 104.1429% | 2,832 |
| Earnings coverage of net charge-offs (x) | 0.5547% | 5,044 |
| Efficiency ratio | 87.7035% | 1,227 |
| Assets per employee ($millions) | 4.8671% | 2,359 |
| Cash dividends to net income (ytd only)* | 10.9370% | 3,401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7578% | 924 |
| Loan loss allowance to noncurrent loans | 51.2678% | 5,062 |
| Noncurrent assets plus other real estate owned to assets | 4.3728% | 1,066 |
| Noncurrent loans to loans | 5.3791% | 807 |
| Net loans and leases to total assets | 52.5959% | 4,968 |
| Net loans and leases to deposits | 54.3734% | 5,771 |
| Net loans and leases to core deposits | 57.5134% | 5,765 |
| Total domestic deposits to total assets | 96.7309% | 19 |
| Equity capital to assets | 2.5884% | 7,146 |
| Core capital (leverage) ratio | 2.4985% | 7,147 |
| Tier 1 risk-based capital ratio | 4.5293% | 7,128 |
| Total risk-based capital ratio | 5.7976% | 7,130 |
| Memoranda: | ||
| Average total assets | $709,886,250 | 935 |
| Average earning assets | $652,178,000 | 930 |
| Average equity | $18,823,250 | 3,391 |
| Average total loans | $405,579,250 | 1,036 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0353% | 5,530 |
| Cost of funding earning assets | 0.9654% | 1,962 |
| Net interest margin | 3.0699% | 6,076 |
| Noninterest income to average assets | 0.6490% | 2,961 |
| Noninterest expense to average assets | 2.9768% | 3,348 |
| Loan and lease loss provision to assets | 0.5789% | 1,048 |
| Net operating income to assets | -0.1058% | 6,443 |
| Return on assets (ROA) | 0.2585% | 5,930 |
| Pretax return on assets | 0.2585% | 6,039 |
| Return on Equity (ROE) | 9.6706% | 2,500 |
| Retained earnings to average equity (ytd only) | 9.3733% | 1,148 |
| Net charge-offs to loans | 1.1682% | 926 |
| Credit loss provision to net charge-offs | 85.1775% | 3,182 |
| Earnings coverage of net charge-offs (x) | 0.6960% | 4,708 |
| Efficiency ratio | 86.2877% | 1,402 |
| Assets per employee ($millions) | 4.6676% | 2,614 |
| Cash dividends to net income (ytd only)* | 3.0735% | 3,475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5922% | 1,161 |
| Loan loss allowance to noncurrent loans | 40.8678% | 5,611 |
| Noncurrent assets plus other real estate owned to assets | 5.3134% | 864 |
| Noncurrent loans to loans | 6.3429% | 674 |
| Net loans and leases to total assets | 54.1707% | 4,769 |
| Net loans and leases to deposits | 56.0579% | 5,638 |
| Net loans and leases to core deposits | 59.4527% | 5,652 |
| Total domestic deposits to total assets | 96.6335% | 27 |
| Equity capital to assets | 2.7146% | 7,191 |
| Core capital (leverage) ratio | 2.6369% | 7,196 |
| Tier 1 risk-based capital ratio | 4.6261% | 7,174 |
| Total risk-based capital ratio | 5.8922% | 7,175 |
| Memoranda: | ||
| Average total assets | $704,783,670 | 944 |
| Average earning assets | $643,022,000 | 943 |
| Average equity | $18,840,670 | 3,372 |
| Average total loans | $410,026,000 | 1,022 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0987% | 5,461 |
| Cost of funding earning assets | 1.0009% | 1,982 |
| Net interest margin | 3.0978% | 6,048 |
| Noninterest income to average assets | 0.6805% | 2,756 |
| Noninterest expense to average assets | 2.9453% | 3,463 |
| Loan and lease loss provision to assets | 0.6313% | 880 |
| Net operating income to assets | -0.0703% | 6,506 |
| Return on assets (ROA) | 0.3177% | 5,761 |
| Pretax return on assets | 0.3177% | 5,936 |
| Return on Equity (ROE) | 11.9776% | 1,679 |
| Retained earnings to average equity (ytd only) | 11.3744% | 947 |
| Net charge-offs to loans | 1.2880% | 790 |
| Credit loss provision to net charge-offs | 82.4012% | 2,687 |
| Earnings coverage of net charge-offs (x) | 0.7323% | 3,968 |
| Efficiency ratio | 83.9987% | 1,684 |
| Assets per employee ($millions) | 4.4883% | 3,015 |
| Cash dividends to net income (ytd only)* | 5.0360% | 2,654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5693% | 1,267 |
| Loan loss allowance to noncurrent loans | 34.6026% | 5,935 |
| Noncurrent assets plus other real estate owned to assets | 6.9910% | 618 |
| Noncurrent loans to loans | 7.4251% | 576 |
| Net loans and leases to total assets | 56.4019% | 4,310 |
| Net loans and leases to deposits | 58.3225% | 5,339 |
| Net loans and leases to core deposits | 62.0470% | 5,318 |
| Total domestic deposits to total assets | 96.7070% | 24 |
| Equity capital to assets | 2.6535% | 7,249 |
| Core capital (leverage) ratio | 2.6344% | 7,250 |
| Tier 1 risk-based capital ratio | 4.4657% | 7,232 |
| Total risk-based capital ratio | 5.7316% | 7,233 |
| Memoranda: | ||
| Average total assets | $700,103,500 | 947 |
| Average earning assets | $638,645,500 | 946 |
| Average equity | $18,568,000 | 3,412 |
| Average total loans | $416,463,000 | 1,005 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2689% | 5,856 |
| Cost of funding earning assets | 1.1440% | 2,385 |
| Net interest margin | 3.1249% | 6,286 |
| Noninterest income to average assets | 0.3787% | 4,800 |
| Noninterest expense to average assets | 2.8954% | 3,977 |
| Loan and lease loss provision to assets | 2.1928% | 235 |
| Net operating income to assets | -3.1752% | 7,203 |
| Return on assets (ROA) | -2.8344% | 7,166 |
| Pretax return on assets | -1.5239% | 6,903 |
| Return on Equity (ROE) | -61.8589% | 7,251 |
| Retained earnings to average equity (ytd only) | -61.8589% | 7,251 |
| Net charge-offs to loans | 4.6125% | 100 |
| Credit loss provision to net charge-offs | 74.0541% | 4,700 |
| Earnings coverage of net charge-offs (x) | 0.1108% | 5,750 |
| Efficiency ratio | 89.8228% | 1,207 |
| Assets per employee ($millions) | 4.5163% | 2,879 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4907% | 1,327 |
| Loan loss allowance to noncurrent loans | 31.5836% | 6,101 |
| Noncurrent assets plus other real estate owned to assets | 7.5787% | 569 |
| Noncurrent loans to loans | 7.8859% | 513 |
| Net loans and leases to total assets | 59.5616% | 4,067 |
| Net loans and leases to deposits | 61.9806% | 5,248 |
| Net loans and leases to core deposits | 65.6990% | 5,288 |
| Total domestic deposits to total assets | 96.0971% | 33 |
| Equity capital to assets | 2.6509% | 7,292 |
| Core capital (leverage) ratio | 2.4794% | 7,291 |
| Tier 1 risk-based capital ratio | 4.1459% | 7,276 |
| Total risk-based capital ratio | 5.4111% | 7,277 |
| Memoranda: | ||
| Average total assets | $721,223,000 | 909 |
| Average earning assets | $656,564,600 | 906 |
| Average equity | $33,046,200 | 2,019 |
| Average total loans | $463,007,000 | 900 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3077% | 5,925 |
| Cost of funding earning assets | 1.1691% | 2,509 |
| Net interest margin | 3.1386% | 6,320 |
| Noninterest income to average assets | 0.3801% | 4,812 |
| Noninterest expense to average assets | 2.8576% | 4,113 |
| Loan and lease loss provision to assets | 1.6085% | 403 |
| Net operating income to assets | -1.4410% | 7,028 |
| Return on assets (ROA) | -0.9978% | 6,912 |
| Pretax return on assets | -0.7867% | 6,778 |
| Return on Equity (ROE) | -19.7694% | 7,095 |
| Retained earnings to average equity (ytd only) | -19.7694% | 7,080 |
| Net charge-offs to loans | 4.2096% | 141 |
| Credit loss provision to net charge-offs | 58.8334% | 4,834 |
| Earnings coverage of net charge-offs (x) | 0.1385% | 5,502 |
| Efficiency ratio | 88.3010% | 1,319 |
| Assets per employee ($millions) | 4.6011% | 2,756 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2681% | 1,738 |
| Loan loss allowance to noncurrent loans | 25.0081% | 6,486 |
| Noncurrent assets plus other real estate owned to assets | 7.3459% | 646 |
| Noncurrent loans to loans | 9.0695% | 425 |
| Net loans and leases to total assets | 59.6160% | 4,206 |
| Net loans and leases to deposits | 63.4849% | 5,240 |
| Net loans and leases to core deposits | 69.3720% | 5,023 |
| Total domestic deposits to total assets | 93.9059% | 84 |
| Equity capital to assets | 4.5924% | 7,287 |
| Core capital (leverage) ratio | 3.8116% | 7,312 |
| Tier 1 risk-based capital ratio | 6.2767% | 7,286 |
| Total risk-based capital ratio | 7.5397% | 7,288 |
| Memoranda: | ||
| Average total assets | $726,522,500 | 907 |
| Average earning assets | $661,125,250 | 903 |
| Average equity | $36,668,500 | 1,838 |
| Average total loans | $471,859,750 | 901 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3440% | 5,861 |
| Cost of funding earning assets | 1.1910% | 2,635 |
| Net interest margin | 3.1530% | 6,279 |
| Noninterest income to average assets | 0.6691% | 2,719 |
| Noninterest expense to average assets | 2.7994% | 4,421 |
| Loan and lease loss provision to assets | 0.7726% | 1,200 |
| Net operating income to assets | 0.0198% | 6,192 |
| Return on assets (ROA) | 0.0198% | 6,273 |
| Pretax return on assets | -0.0361% | 6,300 |
| Return on Equity (ROE) | 0.3813% | 6,217 |
| Retained earnings to average equity (ytd only) | 0.3813% | 5,690 |
| Net charge-offs to loans | 2.9855% | 346 |
| Credit loss provision to net charge-offs | 39.0536% | 4,833 |
| Earnings coverage of net charge-offs (x) | 0.3723% | 5,026 |
| Efficiency ratio | 79.1699% | 2,525 |
| Assets per employee ($millions) | 4.6703% | 2,590 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5447% | 1,382 |
| Loan loss allowance to noncurrent loans | 30.4991% | 6,233 |
| Noncurrent assets plus other real estate owned to assets | 7.3685% | 668 |
| Noncurrent loans to loans | 8.3434% | 522 |
| Net loans and leases to total assets | 62.4919% | 3,794 |
| Net loans and leases to deposits | 66.8187% | 4,882 |
| Net loans and leases to core deposits | 74.4286% | 4,521 |
| Total domestic deposits to total assets | 93.5246% | 102 |
| Equity capital to assets | 5.3072% | 7,305 |
| Core capital (leverage) ratio | 4.5102% | 7,338 |
| Tier 1 risk-based capital ratio | 6.9929% | 7,311 |
| Total risk-based capital ratio | 8.2593% | 7,316 |
| Memoranda: | ||
| Average total assets | $726,370,330 | 913 |
| Average earning assets | $660,444,330 | 916 |
| Average equity | $37,762,670 | 1,773 |
| Average total loans | $481,328,330 | 900 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3080% | 5,997 |
| Cost of funding earning assets | 1.2310% | 2,621 |
| Net interest margin | 3.0770% | 6,407 |
| Noninterest income to average assets | 0.7427% | 2,302 |
| Noninterest expense to average assets | 2.6883% | 4,883 |
| Loan and lease loss provision to assets | 0.3771% | 2,302 |
| Net operating income to assets | 0.3041% | 5,384 |
| Return on assets (ROA) | 0.3073% | 5,446 |
| Pretax return on assets | 0.4799% | 5,090 |
| Return on Equity (ROE) | 5.9731% | 3,923 |
| Retained earnings to average equity (ytd only) | 5.9731% | 2,657 |
| Net charge-offs to loans | 2.4266% | 484 |
| Credit loss provision to net charge-offs | 23.0821% | 4,222 |
| Earnings coverage of net charge-offs (x) | 0.5215% | 4,230 |
| Efficiency ratio | 75.9317% | 3,173 |
| Assets per employee ($millions) | 5.0378% | 2,111 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8814% | 1,028 |
| Loan loss allowance to noncurrent loans | 31.3380% | 6,215 |
| Noncurrent assets plus other real estate owned to assets | 6.8877% | 786 |
| Noncurrent loans to loans | 9.1946% | 474 |
| Net loans and leases to total assets | 64.1595% | 3,408 |
| Net loans and leases to deposits | 69.5740% | 4,417 |
| Net loans and leases to core deposits | 78.6745% | 3,934 |
| Total domestic deposits to total assets | 92.2177% | 238 |
| Equity capital to assets | 5.1416% | 7,366 |
| Core capital (leverage) ratio | 4.6696% | 7,382 |
| Tier 1 risk-based capital ratio | 7.1425% | 7,352 |
| Total risk-based capital ratio | 8.4141% | 7,356 |
| Memoranda: | ||
| Average total assets | $727,607,000 | 918 |
| Average earning assets | $661,556,000 | 918 |
| Average equity | $37,434,500 | 1,777 |
| Average total loans | $489,898,000 | 895 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2654% | 6,840 |
| Cost of funding earning assets | 1.4281% | 3,082 |
| Net interest margin | 2.8373% | 6,983 |
| Noninterest income to average assets | 0.5921% | 3,529 |
| Noninterest expense to average assets | 2.9353% | 4,086 |
| Loan and lease loss provision to assets | 1.5944% | 903 |
| Net operating income to assets | -0.7982% | 6,576 |
| Return on assets (ROA) | -0.6574% | 6,524 |
| Pretax return on assets | -1.1018% | 6,694 |
| Return on Equity (ROE) | -12.3063% | 6,820 |
| Retained earnings to average equity (ytd only) | -12.3063% | 6,772 |
| Net charge-offs to loans | 4.6389% | 217 |
| Credit loss provision to net charge-offs | 50.8612% | 6,245 |
| Earnings coverage of net charge-offs (x) | 0.0869% | 6,033 |
| Efficiency ratio | 91.5048% | 1,215 |
| Assets per employee ($millions) | 4.7996% | 2,416 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2563% | 700 |
| Loan loss allowance to noncurrent loans | 42.8288% | 5,460 |
| Noncurrent assets plus other real estate owned to assets | 6.2254% | 928 |
| Noncurrent loans to loans | 7.6031% | 706 |
| Net loans and leases to total assets | 66.3730% | 3,386 |
| Net loans and leases to deposits | 71.3304% | 4,633 |
| Net loans and leases to core deposits | 80.5443% | 4,126 |
| Total domestic deposits to total assets | 93.0500% | 138 |
| Equity capital to assets | 5.1482% | 7,424 |
| Core capital (leverage) ratio | 4.2981% | 7,476 |
| Tier 1 risk-based capital ratio | 6.7572% | 7,447 |
| Total risk-based capital ratio | 8.0334% | 7,448 |
| Memoranda: | ||
| Average total assets | $781,613,400 | 867 |
| Average earning assets | $720,591,800 | 850 |
| Average equity | $41,751,000 | 1,587 |
| Average total loans | $528,190,400 | 847 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2121% | 7,075 |
| Cost of funding earning assets | 1.4352% | 3,366 |
| Net interest margin | 2.7769% | 7,157 |
| Noninterest income to average assets | 0.5941% | 3,476 |
| Noninterest expense to average assets | 2.8238% | 4,382 |
| Loan and lease loss provision to assets | 1.5949% | 807 |
| Net operating income to assets | -0.7561% | 6,769 |
| Return on assets (ROA) | -0.6706% | 6,759 |
| Pretax return on assets | -1.1211% | 6,905 |
| Return on Equity (ROE) | -12.4523% | 7,028 |
| Retained earnings to average equity (ytd only) | -12.4523% | 6,992 |
| Net charge-offs to loans | 5.2483% | 158 |
| Credit loss provision to net charge-offs | 45.1270% | 5,957 |
| Earnings coverage of net charge-offs (x) | 0.0963% | 5,929 |
| Efficiency ratio | 89.2460% | 1,344 |
| Assets per employee ($millions) | 4.6320% | 2,705 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1968% | 696 |
| Loan loss allowance to noncurrent loans | 67.4346% | 3,948 |
| Noncurrent assets plus other real estate owned to assets | 4.0790% | 1,703 |
| Noncurrent loans to loans | 4.7407% | 1,487 |
| Net loans and leases to total assets | 64.8084% | 3,950 |
| Net loans and leases to deposits | 73.0978% | 4,671 |
| Net loans and leases to core deposits | 82.4742% | 4,170 |
| Total domestic deposits to total assets | 88.6600% | 1,588 |
| Equity capital to assets | 5.1841% | 7,560 |
| Core capital (leverage) ratio | 4.5835% | 7,588 |
| Tier 1 risk-based capital ratio | 7.1259% | 7,536 |
| Total risk-based capital ratio | 8.4021% | 7,541 |
| Memoranda: | ||
| Average total assets | $795,832,250 | 855 |
| Average earning assets | $736,533,750 | 832 |
| Average equity | $42,861,000 | 1,552 |
| Average total loans | $535,932,750 | 844 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1578% | 7,223 |
| Cost of funding earning assets | 1.4588% | 3,507 |
| Net interest margin | 2.6990% | 7,259 |
| Noninterest income to average assets | 0.5915% | 3,400 |
| Noninterest expense to average assets | 2.6972% | 4,924 |
| Loan and lease loss provision to assets | 0.2545% | 4,388 |
| Net operating income to assets | 0.1023% | 5,860 |
| Return on assets (ROA) | 0.1883% | 5,724 |
| Pretax return on assets | 0.2732% | 5,581 |
| Return on Equity (ROE) | 3.4553% | 5,036 |
| Retained earnings to average equity (ytd only) | 3.4553% | 3,907 |
| Net charge-offs to loans | 3.1868% | 484 |
| Credit loss provision to net charge-offs | 11.8343% | 5,925 |
| Earnings coverage of net charge-offs (x) | 0.1874% | 5,537 |
| Efficiency ratio | 87.0041% | 1,603 |
| Assets per employee ($millions) | 4.6365% | 2,670 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9649% | 388 |
| Loan loss allowance to noncurrent loans | 70.8711% | 3,804 |
| Noncurrent assets plus other real estate owned to assets | 4.6039% | 1,421 |
| Noncurrent loans to loans | 5.5946% | 1,176 |
| Net loans and leases to total assets | 62.3021% | 4,625 |
| Net loans and leases to deposits | 72.5271% | 4,905 |
| Net loans and leases to core deposits | 82.2260% | 4,386 |
| Total domestic deposits to total assets | 85.9019% | 3,147 |
| Equity capital to assets | 5.5106% | 7,593 |
| Core capital (leverage) ratio | 5.4039% | 7,564 |
| Tier 1 risk-based capital ratio | 8.4950% | 7,485 |
| Total risk-based capital ratio | 9.7800% | 7,495 |
| Memoranda: | ||
| Average total assets | $801,716,000 | 851 |
| Average earning assets | $745,155,670 | 828 |
| Average equity | $43,700,670 | 1,520 |
| Average total loans | $540,916,330 | 846 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1772% | 7,287 |
| Cost of funding earning assets | 1.5028% | 3,534 |
| Net interest margin | 2.6744% | 7,323 |
| Noninterest income to average assets | 0.4711% | 4,289 |
| Noninterest expense to average assets | 2.6115% | 5,309 |
| Loan and lease loss provision to assets | 0.1497% | 5,054 |
| Net operating income to assets | 0.1397% | 5,888 |
| Return on assets (ROA) | 0.1827% | 5,870 |
| Pretax return on assets | 0.2625% | 5,708 |
| Return on Equity (ROE) | 3.3694% | 5,178 |
| Retained earnings to average equity (ytd only) | 3.3694% | 4,137 |
| Net charge-offs to loans | 2.0610% | 830 |
| Credit loss provision to net charge-offs | 10.5634% | 5,038 |
| Earnings coverage of net charge-offs (x) | 0.2475% | 4,822 |
| Efficiency ratio | 88.1570% | 1,572 |
| Assets per employee ($millions) | 4.8798% | 2,392 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7256% | 217 |
| Loan loss allowance to noncurrent loans | 72.2957% | 3,757 |
| Noncurrent assets plus other real estate owned to assets | 4.7676% | 1,381 |
| Noncurrent loans to loans | 6.5365% | 954 |
| Net loans and leases to total assets | 63.9422% | 4,343 |
| Net loans and leases to deposits | 75.1735% | 4,549 |
| Net loans and leases to core deposits | 85.0654% | 4,039 |
| Total domestic deposits to total assets | 85.0594% | 3,648 |
| Equity capital to assets | 5.3921% | 7,683 |
| Core capital (leverage) ratio | 4.8692% | 7,713 |
| Tier 1 risk-based capital ratio | 7.9135% | 7,623 |
| Total risk-based capital ratio | 9.2120% | 7,626 |
| Memoranda: | ||
| Average total assets | $801,519,500 | 867 |
| Average earning assets | $746,628,000 | 842 |
| Average equity | $43,450,500 | 1,544 |
| Average total loans | $551,193,000 | 854 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0082% | 6,408 |
| Cost of funding earning assets | 1.6603% | 4,733 |
| Net interest margin | 3.3479% | 5,560 |
| Noninterest income to average assets | 0.4441% | 4,850 |
| Noninterest expense to average assets | 2.8089% | 4,941 |
| Loan and lease loss provision to assets | 4.1487% | 304 |
| Net operating income to assets | -2.6376% | 7,306 |
| Return on assets (ROA) | -2.5250% | 7,272 |
| Pretax return on assets | -3.2466% | 7,357 |
| Return on Equity (ROE) | -33.6270% | 7,471 |
| Retained earnings to average equity (ytd only) | -33.6270% | 7,457 |
| Net charge-offs to loans | 1.8506% | 1,347 |
| Credit loss provision to net charge-offs | 279.2389% | 1,222 |
| Earnings coverage of net charge-offs (x) | 0.5100% | 5,606 |
| Efficiency ratio | 78.7560% | 3,081 |
| Assets per employee ($millions) | 4.8353% | 2,433 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0527% | 170 |
| Loan loss allowance to noncurrent loans | 86.0911% | 3,226 |
| Noncurrent assets plus other real estate owned to assets | 4.3452% | 1,504 |
| Noncurrent loans to loans | 5.8690% | 1,066 |
| Net loans and leases to total assets | 66.8988% | 3,950 |
| Net loans and leases to deposits | 78.7326% | 4,225 |
| Net loans and leases to core deposits | 112.4958% | 2,644 |
| Total domestic deposits to total assets | 84.9697% | 3,559 |
| Equity capital to assets | 5.4505% | 7,744 |
| Core capital (leverage) ratio | 4.7345% | 7,787 |
| Tier 1 risk-based capital ratio | 7.5944% | 7,692 |
| Total risk-based capital ratio | 8.8975% | 7,697 |
| Memoranda: | ||
| Average total assets | $721,675,000 | 944 |
| Average earning assets | $673,081,000 | 921 |
| Average equity | $54,188,600 | 1,217 |
| Average total loans | $579,366,400 | 823 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1775% | 5,973 |
| Cost of funding earning assets | 1.7024% | 4,886 |
| Net interest margin | 3.4751% | 4,973 |
| Noninterest income to average assets | 0.3567% | 5,638 |
| Noninterest expense to average assets | 2.7729% | 5,010 |
| Loan and lease loss provision to assets | 3.5944% | 358 |
| Net operating income to assets | -1.7151% | 7,200 |
| Return on assets (ROA) | -1.6426% | 7,169 |
| Pretax return on assets | -2.6534% | 7,402 |
| Return on Equity (ROE) | -20.3074% | 7,384 |
| Retained earnings to average equity (ytd only) | -20.3074% | 7,348 |
| Net charge-offs to loans | 2.2865% | 825 |
| Credit loss provision to net charge-offs | 189.2957% | 2,402 |
| Earnings coverage of net charge-offs (x) | 0.4360% | 5,596 |
| Efficiency ratio | 77.0097% | 3,323 |
| Assets per employee ($millions) | 4.1865% | 3,398 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1399% | 594 |
| Loan loss allowance to noncurrent loans | 50.1606% | 4,974 |
| Noncurrent assets plus other real estate owned to assets | 5.4811% | 1,041 |
| Noncurrent loans to loans | 6.2597% | 933 |
| Net loans and leases to total assets | 80.7108% | 1,040 |
| Net loans and leases to deposits | 94.2861% | 1,839 |
| Net loans and leases to core deposits | 132.7680% | 1,288 |
| Total domestic deposits to total assets | 85.6021% | 2,915 |
| Equity capital to assets | 7.7432% | 7,109 |
| Core capital (leverage) ratio | 7.0427% | 7,406 |
| Tier 1 risk-based capital ratio | 9.1326% | 7,569 |
| Total risk-based capital ratio | 10.4087% | 7,562 |
| Memoranda: | ||
| Average total assets | $703,846,250 | 981 |
| Average earning assets | $657,035,250 | 952 |
| Average equity | $56,930,250 | 1,176 |
| Average total loans | $584,525,000 | 833 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2365% | 5,930 |
| Cost of funding earning assets | 1.7925% | 4,801 |
| Net interest margin | 3.4440% | 5,008 |
| Noninterest income to average assets | 0.3024% | 6,103 |
| Noninterest expense to average assets | 2.7463% | 5,194 |
| Loan and lease loss provision to assets | 1.4022% | 1,236 |
| Net operating income to assets | -0.3643% | 6,409 |
| Return on assets (ROA) | -0.2649% | 6,290 |
| Pretax return on assets | -0.4617% | 6,383 |
| Return on Equity (ROE) | -3.2310% | 6,391 |
| Retained earnings to average equity (ytd only) | -3.2310% | 6,006 |
| Net charge-offs to loans | 0.9146% | 1,876 |
| Credit loss provision to net charge-offs | 184.8068% | 2,477 |
| Earnings coverage of net charge-offs (x) | 1.0349% | 4,754 |
| Efficiency ratio | 77.7654% | 3,385 |
| Assets per employee ($millions) | 4.3239% | 3,068 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9073% | 1,777 |
| Loan loss allowance to noncurrent loans | 59.3215% | 4,499 |
| Noncurrent assets plus other real estate owned to assets | 3.0691% | 2,058 |
| Noncurrent loans to loans | 3.2151% | 2,216 |
| Net loans and leases to total assets | 82.4312% | 876 |
| Net loans and leases to deposits | 96.8314% | 1,680 |
| Net loans and leases to core deposits | 139.1636% | 1,048 |
| Total domestic deposits to total assets | 85.1286% | 3,202 |
| Equity capital to assets | 8.4481% | 6,124 |
| Core capital (leverage) ratio | 8.4352% | 5,556 |
| Tier 1 risk-based capital ratio | 10.7529% | 6,131 |
| Total risk-based capital ratio | 12.0126% | 6,059 |
| Memoranda: | ||
| Average total assets | $709,597,330 | 987 |
| Average earning assets | $665,328,000 | 958 |
| Average equity | $58,185,670 | 1,164 |
| Average total loans | $588,660,330 | 844 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2162% | 6,230 |
| Cost of funding earning assets | 1.9113% | 4,575 |
| Net interest margin | 3.3049% | 5,480 |
| Noninterest income to average assets | 0.6680% | 3,089 |
| Noninterest expense to average assets | 2.4427% | 6,048 |
| Loan and lease loss provision to assets | 1.2949% | 993 |
| Net operating income to assets | -0.0103% | 6,272 |
| Return on assets (ROA) | 0.1292% | 6,055 |
| Pretax return on assets | 0.2472% | 5,832 |
| Return on Equity (ROE) | 1.5998% | 5,921 |
| Retained earnings to average equity (ytd only) | 1.5998% | 4,956 |
| Net charge-offs to loans | 1.0578% | 1,283 |
| Credit loss provision to net charge-offs | 148.5180% | 2,811 |
| Earnings coverage of net charge-offs (x) | 1.5187% | 3,970 |
| Efficiency ratio | 64.8471% | 5,532 |
| Assets per employee ($millions) | 4.4804% | 2,755 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6561% | 2,287 |
| Loan loss allowance to noncurrent loans | 82.9737% | 3,572 |
| Noncurrent assets plus other real estate owned to assets | 1.9476% | 2,988 |
| Noncurrent loans to loans | 1.9960% | 3,264 |
| Net loans and leases to total assets | 80.8965% | 1,222 |
| Net loans and leases to deposits | 97.5477% | 1,725 |
| Net loans and leases to core deposits | 142.6241% | 981 |
| Total domestic deposits to total assets | 82.9302% | 4,178 |
| Equity capital to assets | 8.0641% | 6,722 |
| Core capital (leverage) ratio | 8.1818% | 6,140 |
| Tier 1 risk-based capital ratio | 10.3833% | 6,513 |
| Total risk-based capital ratio | 11.6395% | 6,416 |
| Memoranda: | ||
| Average total assets | $712,002,000 | 988 |
| Average earning assets | $667,614,500 | 956 |
| Average equity | $57,508,000 | 1,182 |
| Average total loans | $586,860,000 | 849 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1707% | 4,664 |
| Cost of funding earning assets | 2.8585% | 2,448 |
| Net interest margin | 3.3122% | 5,994 |
| Noninterest income to average assets | 0.7040% | 3,102 |
| Noninterest expense to average assets | 2.7200% | 5,173 |
| Loan and lease loss provision to assets | 0.9812% | 1,500 |
| Net operating income to assets | 0.1046% | 6,102 |
| Return on assets (ROA) | 0.1242% | 5,892 |
| Pretax return on assets | 0.1389% | 5,859 |
| Return on Equity (ROE) | 1.6411% | 5,724 |
| Retained earnings to average equity (ytd only) | 1.6411% | 4,224 |
| Net charge-offs to loans | 0.8959% | 1,384 |
| Credit loss provision to net charge-offs | 128.3970% | 4,150 |
| Earnings coverage of net charge-offs (x) | 1.4370% | 5,393 |
| Efficiency ratio | 71.2377% | 4,080 |
| Assets per employee ($millions) | 4.5329% | 2,561 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5432% | 2,482 |
| Loan loss allowance to noncurrent loans | 90.0580% | 3,755 |
| Noncurrent assets plus other real estate owned to assets | 1.5065% | 3,205 |
| Noncurrent loans to loans | 1.7136% | 3,197 |
| Net loans and leases to total assets | 81.3167% | 1,355 |
| Net loans and leases to deposits | 96.4184% | 2,381 |
| Net loans and leases to core deposits | 136.9565% | 1,434 |
| Total domestic deposits to total assets | 84.3374% | 3,159 |
| Equity capital to assets | 8.0900% | 6,713 |
| Core capital (leverage) ratio | 8.3444% | 5,863 |
| Tier 1 risk-based capital ratio | 10.4432% | 6,270 |
| Total risk-based capital ratio | 11.6979% | 6,144 |
| Memoranda: | ||
| Average total assets | $664,458,800 | 1,007 |
| Average earning assets | $624,724,200 | 969 |
| Average equity | $50,271,200 | 1,345 |
| Average total loans | $566,812,600 | 839 |