Home > National Bank of Earlville > Performance and Condition Ratios
National Bank of Earlville, 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 | 3.6350% | 5,320 |
| Cost of funding earning assets | 0.5330% | 3,264 |
| Net interest margin | 3.1020% | 5,306 |
| Noninterest income to average assets | 0.3487% | 4,823 |
| Noninterest expense to average assets | 2.8183% | 3,663 |
| Loan and lease loss provision to assets | 0.7901% | 277 |
| Net operating income to assets | -0.3285% | 6,428 |
| Return on assets (ROA) | -0.3285% | 6,442 |
| Pretax return on assets | -0.6519% | 6,526 |
| Return on Equity (ROE) | -2.2910% | 6,391 |
| Retained earnings to average equity (ytd only) | -2.2910% | 6,203 |
| Net charge-offs to loans | 0.9589% | 624 |
| Credit loss provision to net charge-offs | 152.2727% | 1,523 |
| Earnings coverage of net charge-offs (x) | 0.2662% | 4,997 |
| Efficiency ratio | 95.3276% | 678 |
| Assets per employee ($millions) | 5.1413% | 2,024 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1444% | 398 |
| Loan loss allowance to noncurrent loans | 142.5897% | 2,780 |
| Noncurrent assets plus other real estate owned to assets | 2.4649% | 1,398 |
| Noncurrent loans to loans | 2.2052% | 1,768 |
| Net loans and leases to total assets | 49.7825% | 5,105 |
| Net loans and leases to deposits | 58.7288% | 5,059 |
| Net loans and leases to core deposits | 61.4689% | 5,111 |
| Total domestic deposits to total assets | 84.7668% | 3,861 |
| Equity capital to assets | 14.6515% | 750 |
| Core capital (leverage) ratio | 13.7598% | 889 |
| Tier 1 risk-based capital ratio | 23.2672% | 1,059 |
| Total risk-based capital ratio | 24.5332% | 1,030 |
| Memoranda: | ||
| Average total assets | $59,361,600 | 5,773 |
| Average earning assets | $49,903,200 | 5,893 |
| Average equity | $8,511,600 | 5,209 |
| Average total loans | $32,118,800 | 5,661 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6460% | 5,313 |
| Cost of funding earning assets | 0.5581% | 3,179 |
| Net interest margin | 3.0879% | 5,352 |
| Noninterest income to average assets | 0.3618% | 4,803 |
| Noninterest expense to average assets | 2.7148% | 3,966 |
| Loan and lease loss provision to assets | 0.7747% | 258 |
| Net operating income to assets | -0.2575% | 6,496 |
| Return on assets (ROA) | -0.2575% | 6,511 |
| Pretax return on assets | -0.5239% | 6,607 |
| Return on Equity (ROE) | -1.8051% | 6,471 |
| Retained earnings to average equity (ytd only) | -1.8051% | 6,243 |
| Net charge-offs to loans | 0.4663% | 1,378 |
| Credit loss provision to net charge-offs | 303.4783% | 839 |
| Earnings coverage of net charge-offs (x) | 0.9826% | 4,518 |
| Efficiency ratio | 91.5419% | 881 |
| Assets per employee ($millions) | 5.3965% | 1,737 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3589% | 387 |
| Loan loss allowance to noncurrent loans | 117.3603% | 3,075 |
| Noncurrent assets plus other real estate owned to assets | 2.5842% | 1,468 |
| Noncurrent loans to loans | 2.8620% | 1,441 |
| Net loans and leases to total assets | 47.8395% | 5,361 |
| Net loans and leases to deposits | 55.9721% | 5,376 |
| Net loans and leases to core deposits | 59.0653% | 5,366 |
| Total domestic deposits to total assets | 85.4703% | 3,509 |
| Equity capital to assets | 14.0429% | 958 |
| Core capital (leverage) ratio | 13.6646% | 963 |
| Tier 1 risk-based capital ratio | 23.3376% | 1,088 |
| Total risk-based capital ratio | 24.6064% | 1,067 |
| Memoranda: | ||
| Average total assets | $60,063,500 | 5,818 |
| Average earning assets | $50,647,500 | 5,936 |
| Average equity | $8,568,000 | 5,249 |
| Average total loans | $32,881,500 | 5,685 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7330% | 5,041 |
| Cost of funding earning assets | 0.5976% | 2,967 |
| Net interest margin | 3.1354% | 5,175 |
| Noninterest income to average assets | 0.3052% | 5,270 |
| Noninterest expense to average assets | 2.4910% | 4,769 |
| Loan and lease loss provision to assets | 0.2587% | 1,430 |
| Net operating income to assets | 0.1194% | 6,086 |
| Return on assets (ROA) | 0.1194% | 6,182 |
| Pretax return on assets | 0.1658% | 6,134 |
| Return on Equity (ROE) | 0.8328% | 6,248 |
| Retained earnings to average equity (ytd only) | 0.8328% | 5,565 |
| Net charge-offs to loans | 0.4288% | 1,508 |
| Credit loss provision to net charge-offs | 106.8493% | 2,074 |
| Earnings coverage of net charge-offs (x) | 1.7534% | 3,948 |
| Efficiency ratio | 85.4380% | 1,467 |
| Assets per employee ($millions) | 5.3478% | 1,744 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6344% | 848 |
| Loan loss allowance to noncurrent loans | 76.2575% | 4,169 |
| Noncurrent assets plus other real estate owned to assets | 3.1109% | 1,288 |
| Noncurrent loans to loans | 3.4546% | 1,236 |
| Net loans and leases to total assets | 47.6235% | 5,359 |
| Net loans and leases to deposits | 56.0558% | 5,337 |
| Net loans and leases to core deposits | 59.1983% | 5,328 |
| Total domestic deposits to total assets | 84.9573% | 3,908 |
| Equity capital to assets | 14.5497% | 814 |
| Core capital (leverage) ratio | 14.3260% | 743 |
| Tier 1 risk-based capital ratio | 25.2866% | 843 |
| Total risk-based capital ratio | 26.5657% | 820 |
| Memoranda: | ||
| Average total assets | $60,297,670 | 5,848 |
| Average earning assets | $50,200,330 | 5,988 |
| Average equity | $8,645,330 | 5,265 |
| Average total loans | $34,047,000 | 5,663 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8799% | 4,550 |
| Cost of funding earning assets | 0.6171% | 2,950 |
| Net interest margin | 3.2629% | 4,669 |
| Noninterest income to average assets | 0.2949% | 5,348 |
| Noninterest expense to average assets | 2.3856% | 5,167 |
| Loan and lease loss provision to assets | 0.2425% | 1,490 |
| Net operating income to assets | 0.3474% | 5,364 |
| Return on assets (ROA) | 0.3474% | 5,508 |
| Pretax return on assets | 0.4391% | 5,438 |
| Return on Equity (ROE) | 2.4400% | 5,798 |
| Retained earnings to average equity (ytd only) | 2.4400% | 4,805 |
| Net charge-offs to loans | -0.0654% | 6,250 |
| Credit loss provision to net charge-offs | -616.6667% | 5,532 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7778% | 2,645 |
| Assets per employee ($millions) | 5.1069% | 2,087 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7529% | 862 |
| Loan loss allowance to noncurrent loans | 113.3903% | 3,022 |
| Noncurrent assets plus other real estate owned to assets | 2.5146% | 1,829 |
| Noncurrent loans to loans | 2.4278% | 2,129 |
| Net loans and leases to total assets | 45.8839% | 5,450 |
| Net loans and leases to deposits | 53.7844% | 5,455 |
| Net loans and leases to core deposits | 56.6607% | 5,456 |
| Total domestic deposits to total assets | 85.3108% | 3,893 |
| Equity capital to assets | 14.2128% | 959 |
| Core capital (leverage) ratio | 13.9250% | 815 |
| Tier 1 risk-based capital ratio | 25.1205% | 872 |
| Total risk-based capital ratio | 26.3827% | 857 |
| Memoranda: | ||
| Average total assets | $61,033,500 | 5,886 |
| Average earning assets | $51,856,500 | 5,994 |
| Average equity | $8,688,500 | 5,307 |
| Average total loans | $36,684,000 | 5,586 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6596% | 2,756 |
| Cost of funding earning assets | 0.7640% | 2,970 |
| Net interest margin | 3.8956% | 2,847 |
| Noninterest income to average assets | 0.2857% | 5,430 |
| Noninterest expense to average assets | 2.8416% | 3,868 |
| Loan and lease loss provision to assets | 1.2222% | 292 |
| Net operating income to assets | -0.3601% | 6,488 |
| Return on assets (ROA) | -0.3601% | 6,535 |
| Pretax return on assets | -0.4767% | 6,558 |
| Return on Equity (ROE) | -2.4031% | 6,476 |
| Retained earnings to average equity (ytd only) | -4.7046% | 6,407 |
| Net charge-offs to loans | 1.3740% | 678 |
| Credit loss provision to net charge-offs | 131.4545% | 2,131 |
| Earnings coverage of net charge-offs (x) | 0.8018% | 5,070 |
| Efficiency ratio | 79.2177% | 2,252 |
| Assets per employee ($millions) | 5.5258% | 1,665 |
| Cash dividends to net income (ytd only)* | -95.7746% | 7,060 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6939% | 2,959 |
| Loan loss allowance to noncurrent loans | 157.2025% | 2,273 |
| Noncurrent assets plus other real estate owned to assets | 2.5401% | 1,916 |
| Noncurrent loans to loans | 1.0775% | 4,049 |
| Net loans and leases to total assets | 71.8939% | 1,508 |
| Net loans and leases to deposits | 87.8569% | 1,295 |
| Net loans and leases to core deposits | 92.8010% | 1,572 |
| Total domestic deposits to total assets | 81.8307% | 5,152 |
| Equity capital to assets | 14.2587% | 953 |
| Core capital (leverage) ratio | 14.0153% | 799 |
| Tier 1 risk-based capital ratio | 18.2870% | 2,172 |
| Total risk-based capital ratio | 19.5420% | 2,133 |
| Memoranda: | ||
| Average total assets | $59,156,600 | 5,943 |
| Average earning assets | $50,133,400 | 6,046 |
| Average equity | $8,863,600 | 5,259 |
| Average total loans | $40,029,000 | 5,504 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6080% | 3,171 |
| Cost of funding earning assets | 0.8017% | 2,925 |
| Net interest margin | 3.8063% | 3,315 |
| Noninterest income to average assets | 0.2950% | 5,415 |
| Noninterest expense to average assets | 2.8232% | 3,901 |
| Loan and lease loss provision to assets | 1.0712% | 366 |
| Net operating income to assets | -0.3994% | 6,646 |
| Return on assets (ROA) | -0.3994% | 6,691 |
| Pretax return on assets | -0.3994% | 6,658 |
| Return on Equity (ROE) | -2.6329% | 6,607 |
| Retained earnings to average equity (ytd only) | -4.2335% | 6,572 |
| Net charge-offs to loans | 1.2435% | 773 |
| Credit loss provision to net charge-offs | 130.0275% | 2,221 |
| Earnings coverage of net charge-offs (x) | 0.8154% | 4,923 |
| Efficiency ratio | 80.7792% | 1,978 |
| Assets per employee ($millions) | 5.5578% | 1,577 |
| Cash dividends to net income (ytd only)* | -60.7943% | 7,148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6629% | 3,283 |
| Loan loss allowance to noncurrent loans | 120.8772% | 2,761 |
| Noncurrent assets plus other real estate owned to assets | 2.8085% | 1,874 |
| Noncurrent loans to loans | 1.3757% | 3,728 |
| Net loans and leases to total assets | 66.6449% | 2,533 |
| Net loans and leases to deposits | 81.4294% | 2,193 |
| Net loans and leases to core deposits | 87.3491% | 2,300 |
| Total domestic deposits to total assets | 81.8438% | 5,074 |
| Equity capital to assets | 14.4530% | 985 |
| Core capital (leverage) ratio | 15.1284% | 588 |
| Tier 1 risk-based capital ratio | 22.2347% | 1,288 |
| Total risk-based capital ratio | 23.4918% | 1,271 |
| Memoranda: | ||
| Average total assets | $58,749,750 | 6,016 |
| Average earning assets | $49,391,000 | 6,143 |
| Average equity | $8,912,750 | 5,295 |
| Average total loans | $38,923,000 | 5,620 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6781% | 3,013 |
| Cost of funding earning assets | 0.8460% | 2,826 |
| Net interest margin | 3.8321% | 3,213 |
| Noninterest income to average assets | 0.3106% | 5,331 |
| Noninterest expense to average assets | 2.9264% | 3,519 |
| Loan and lease loss provision to assets | 1.3459% | 292 |
| Net operating income to assets | -0.8110% | 6,864 |
| Return on assets (ROA) | -0.8110% | 6,885 |
| Pretax return on assets | -0.7730% | 6,839 |
| Return on Equity (ROE) | -5.2583% | 6,779 |
| Retained earnings to average equity (ytd only) | -7.6524% | 6,749 |
| Net charge-offs to loans | 1.5596% | 618 |
| Credit loss provision to net charge-offs | 131.3131% | 2,090 |
| Earnings coverage of net charge-offs (x) | 0.5589% | 4,792 |
| Efficiency ratio | 83.6292% | 1,671 |
| Assets per employee ($millions) | 5.0920% | 2,042 |
| Cash dividends to net income (ytd only)* | -45.5319% | 7,212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7881% | 2,890 |
| Loan loss allowance to noncurrent loans | 93.8547% | 3,370 |
| Noncurrent assets plus other real estate owned to assets | 3.7349% | 1,394 |
| Noncurrent loans to loans | 1.9052% | 3,069 |
| Net loans and leases to total assets | 65.8948% | 2,689 |
| Net loans and leases to deposits | 78.7476% | 2,557 |
| Net loans and leases to core deposits | 84.2440% | 2,659 |
| Total domestic deposits to total assets | 83.6785% | 4,454 |
| Equity capital to assets | 15.6591% | 651 |
| Core capital (leverage) ratio | 15.4608% | 529 |
| Tier 1 risk-based capital ratio | 23.0925% | 1,115 |
| Total risk-based capital ratio | 24.3482% | 1,099 |
| Memoranda: | ||
| Average total assets | $57,954,330 | 6,081 |
| Average earning assets | $48,224,670 | 6,228 |
| Average equity | $8,938,330 | 5,284 |
| Average total loans | $38,086,330 | 5,685 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5886% | 3,556 |
| Cost of funding earning assets | 0.8321% | 3,207 |
| Net interest margin | 3.7565% | 3,576 |
| Noninterest income to average assets | 0.3190% | 5,321 |
| Noninterest expense to average assets | 2.9936% | 3,271 |
| Loan and lease loss provision to assets | 1.4391% | 245 |
| Net operating income to assets | -1.0318% | 6,998 |
| Return on assets (ROA) | -1.0318% | 7,017 |
| Pretax return on assets | -0.9571% | 6,970 |
| Return on Equity (ROE) | -6.7391% | 6,913 |
| Retained earnings to average equity (ytd only) | -6.7391% | 6,705 |
| Net charge-offs to loans | 0.8138% | 1,264 |
| Credit loss provision to net charge-offs | 271.7949% | 1,075 |
| Earnings coverage of net charge-offs (x) | 0.9103% | 3,874 |
| Efficiency ratio | 86.1328% | 1,472 |
| Assets per employee ($millions) | 4.6977% | 2,665 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0047% | 2,335 |
| Loan loss allowance to noncurrent loans | 58.9109% | 4,589 |
| Noncurrent assets plus other real estate owned to assets | 4.5661% | 1,164 |
| Noncurrent loans to loans | 3.4029% | 1,850 |
| Net loans and leases to total assets | 61.9155% | 3,272 |
| Net loans and leases to deposits | 74.2491% | 3,086 |
| Net loans and leases to core deposits | 79.9519% | 3,075 |
| Total domestic deposits to total assets | 83.3889% | 4,765 |
| Equity capital to assets | 15.8643% | 595 |
| Core capital (leverage) ratio | 15.2053% | 571 |
| Tier 1 risk-based capital ratio | 23.6077% | 1,054 |
| Total risk-based capital ratio | 24.8664% | 1,037 |
| Memoranda: | ||
| Average total assets | $58,925,500 | 6,096 |
| Average earning assets | $49,514,500 | 6,221 |
| Average equity | $9,022,000 | 5,275 |
| Average total loans | $38,339,000 | 5,718 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8525% | 3,574 |
| Cost of funding earning assets | 0.9308% | 3,868 |
| Net interest margin | 3.9217% | 3,249 |
| Noninterest income to average assets | 0.3344% | 5,142 |
| Noninterest expense to average assets | 2.8277% | 4,249 |
| Loan and lease loss provision to assets | 1.5282% | 477 |
| Net operating income to assets | -0.2108% | 6,272 |
| Return on assets (ROA) | -0.2097% | 6,336 |
| Pretax return on assets | -0.6324% | 6,569 |
| Return on Equity (ROE) | -1.3092% | 6,275 |
| Retained earnings to average equity (ytd only) | -3.4190% | 6,319 |
| Net charge-offs to loans | 2.4364% | 485 |
| Credit loss provision to net charge-offs | 91.3043% | 3,954 |
| Earnings coverage of net charge-offs (x) | 0.5342% | 5,424 |
| Efficiency ratio | 75.9777% | 2,892 |
| Assets per employee ($millions) | 4.7292% | 2,546 |
| Cash dividends to net income (ytd only)* | -161.1570% | 7,330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4125% | 4,400 |
| Loan loss allowance to noncurrent loans | 60.2285% | 4,490 |
| Noncurrent assets plus other real estate owned to assets | 4.0306% | 1,426 |
| Noncurrent loans to loans | 2.3453% | 2,796 |
| Net loans and leases to total assets | 65.8452% | 2,818 |
| Net loans and leases to deposits | 89.2163% | 1,242 |
| Net loans and leases to core deposits | 96.9257% | 1,419 |
| Total domestic deposits to total assets | 73.8041% | 6,734 |
| Equity capital to assets | 14.8034% | 825 |
| Core capital (leverage) ratio | 15.4413% | 538 |
| Tier 1 risk-based capital ratio | 21.6112% | 1,297 |
| Total risk-based capital ratio | 22.8640% | 1,265 |
| Memoranda: | ||
| Average total assets | $57,714,200 | 6,118 |
| Average earning assets | $49,850,400 | 6,199 |
| Average equity | $9,242,600 | 5,218 |
| Average total loans | $39,649,200 | 5,707 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0287% | 2,944 |
| Cost of funding earning assets | 0.9629% | 3,941 |
| Net interest margin | 4.0658% | 2,616 |
| Noninterest income to average assets | 0.4368% | 4,388 |
| Noninterest expense to average assets | 2.7054% | 4,702 |
| Loan and lease loss provision to assets | 1.4678% | 474 |
| Net operating income to assets | -0.2161% | 6,398 |
| Return on assets (ROA) | -0.2137% | 6,478 |
| Pretax return on assets | -0.2137% | 6,423 |
| Return on Equity (ROE) | -1.3077% | 6,413 |
| Retained earnings to average equity (ytd only) | -2.7017% | 6,384 |
| Net charge-offs to loans | 1.4861% | 980 |
| Credit loss provision to net charge-offs | 142.6941% | 2,235 |
| Earnings coverage of net charge-offs (x) | 1.2169% | 4,710 |
| Efficiency ratio | 68.3680% | 4,244 |
| Assets per employee ($millions) | 4.2632% | 3,346 |
| Cash dividends to net income (ytd only)* | -106.5936% | 7,402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0698% | 2,146 |
| Loan loss allowance to noncurrent loans | 31.8552% | 6,139 |
| Noncurrent assets plus other real estate owned to assets | 5.6440% | 974 |
| Noncurrent loans to loans | 6.4975% | 811 |
| Net loans and leases to total assets | 66.8453% | 2,706 |
| Net loans and leases to deposits | 83.5804% | 2,069 |
| Net loans and leases to core deposits | 88.4895% | 2,426 |
| Total domestic deposits to total assets | 79.9773% | 5,746 |
| Equity capital to assets | 16.7352% | 512 |
| Core capital (leverage) ratio | 16.1334% | 486 |
| Tier 1 risk-based capital ratio | 24.1781% | 996 |
| Total risk-based capital ratio | 25.4377% | 977 |
| Memoranda: | ||
| Average total assets | $56,773,000 | 6,191 |
| Average earning assets | $49,157,000 | 6,278 |
| Average equity | $9,278,000 | 5,238 |
| Average total loans | $39,296,250 | 5,776 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6773% | 4,633 |
| Cost of funding earning assets | 0.9714% | 4,160 |
| Net interest margin | 3.7059% | 4,232 |
| Noninterest income to average assets | 0.3460% | 5,114 |
| Noninterest expense to average assets | 2.8135% | 4,372 |
| Loan and lease loss provision to assets | 1.5798% | 442 |
| Net operating income to assets | -0.4299% | 6,640 |
| Return on assets (ROA) | -0.4299% | 6,667 |
| Pretax return on assets | -0.8074% | 6,825 |
| Return on Equity (ROE) | -2.6511% | 6,560 |
| Retained earnings to average equity (ytd only) | -4.7419% | 6,542 |
| Net charge-offs to loans | 2.2018% | 585 |
| Credit loss provision to net charge-offs | 103.1963% | 2,996 |
| Earnings coverage of net charge-offs (x) | 0.5046% | 4,926 |
| Efficiency ratio | 78.4600% | 2,638 |
| Assets per employee ($millions) | 4.3615% | 3,058 |
| Cash dividends to net income (ytd only)* | -78.8618% | 7,477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1711% | 1,975 |
| Loan loss allowance to noncurrent loans | 31.4213% | 6,172 |
| Noncurrent assets plus other real estate owned to assets | 6.0089% | 936 |
| Noncurrent loans to loans | 6.9097% | 757 |
| Net loans and leases to total assets | 68.3451% | 2,547 |
| Net loans and leases to deposits | 91.0867% | 1,149 |
| Net loans and leases to core deposits | 96.6648% | 1,613 |
| Total domestic deposits to total assets | 75.0331% | 6,721 |
| Equity capital to assets | 16.2807% | 577 |
| Core capital (leverage) ratio | 15.9650% | 511 |
| Tier 1 risk-based capital ratio | 24.0580% | 1,002 |
| Total risk-based capital ratio | 25.3210% | 980 |
| Memoranda: | ||
| Average total assets | $57,223,330 | 6,228 |
| Average earning assets | $50,028,330 | 6,294 |
| Average equity | $9,279,000 | 5,244 |
| Average total loans | $39,785,000 | 5,810 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5574% | 5,142 |
| Cost of funding earning assets | 0.9907% | 4,265 |
| Net interest margin | 3.5667% | 4,739 |
| Noninterest income to average assets | 0.3270% | 5,292 |
| Noninterest expense to average assets | 2.6720% | 4,955 |
| Loan and lease loss provision to assets | 2.9364% | 160 |
| Net operating income to assets | -1.2873% | 7,132 |
| Return on assets (ROA) | -1.2873% | 7,137 |
| Pretax return on assets | -2.1501% | 7,281 |
| Return on Equity (ROE) | -7.9544% | 6,959 |
| Retained earnings to average equity (ytd only) | -7.9544% | 6,748 |
| Net charge-offs to loans | 4.2937% | 198 |
| Credit loss provision to net charge-offs | 98.5981% | 2,770 |
| Earnings coverage of net charge-offs (x) | 0.2640% | 4,412 |
| Efficiency ratio | 77.2636% | 2,949 |
| Assets per employee ($millions) | 4.5412% | 2,816 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2901% | 1,781 |
| Loan loss allowance to noncurrent loans | 30.5344% | 6,269 |
| Noncurrent assets plus other real estate owned to assets | 6.3016% | 895 |
| Noncurrent loans to loans | 7.5002% | 695 |
| Net loans and leases to total assets | 65.7669% | 3,071 |
| Net loans and leases to deposits | 82.4795% | 2,277 |
| Net loans and leases to core deposits | 87.4314% | 2,681 |
| Total domestic deposits to total assets | 79.7372% | 6,009 |
| Equity capital to assets | 16.9707% | 442 |
| Core capital (leverage) ratio | 15.8870% | 520 |
| Tier 1 risk-based capital ratio | 25.3431% | 843 |
| Total risk-based capital ratio | 26.6076% | 825 |
| Memoranda: | ||
| Average total assets | $57,485,500 | 6,275 |
| Average earning assets | $50,467,500 | 6,327 |
| Average equity | $9,303,000 | 5,232 |
| Average total loans | $39,872,000 | 5,855 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9872% | 4,621 |
| Cost of funding earning assets | 1.1576% | 4,803 |
| Net interest margin | 3.8296% | 3,820 |
| Noninterest income to average assets | 0.3760% | 5,089 |
| Noninterest expense to average assets | 2.2576% | 6,462 |
| Loan and lease loss provision to assets | 1.1692% | 1,350 |
| Net operating income to assets | 0.3451% | 4,766 |
| Return on assets (ROA) | 0.3451% | 4,923 |
| Pretax return on assets | 0.3571% | 5,061 |
| Return on Equity (ROE) | 2.1260% | 5,339 |
| Retained earnings to average equity (ytd only) | 0.6029% | 5,281 |
| Net charge-offs to loans | 0.8295% | 2,559 |
| Credit loss provision to net charge-offs | 210.8359% | 1,453 |
| Earnings coverage of net charge-offs (x) | 2.7523% | 3,702 |
| Efficiency ratio | 59.6642% | 6,095 |
| Assets per employee ($millions) | 5.0398% | 2,098 |
| Cash dividends to net income (ytd only)* | 71.6418% | 1,147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5442% | 3,802 |
| Loan loss allowance to noncurrent loans | 17.8763% | 6,886 |
| Noncurrent assets plus other real estate owned to assets | 6.4339% | 885 |
| Noncurrent loans to loans | 8.6381% | 558 |
| Net loans and leases to total assets | 70.1093% | 2,515 |
| Net loans and leases to deposits | 97.7206% | 740 |
| Net loans and leases to core deposits | 103.5890% | 1,340 |
| Total domestic deposits to total assets | 71.7446% | 7,105 |
| Equity capital to assets | 15.4737% | 685 |
| Core capital (leverage) ratio | 15.4194% | 596 |
| Tier 1 risk-based capital ratio | 22.7214% | 1,076 |
| Total risk-based capital ratio | 23.9755% | 1,056 |
| Memoranda: | ||
| Average total assets | $58,246,600 | 6,266 |
| Average earning assets | $51,833,000 | 6,296 |
| Average equity | $9,454,400 | 5,281 |
| Average total loans | $38,938,200 | 5,970 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9404% | 5,079 |
| Cost of funding earning assets | 1.2105% | 4,802 |
| Net interest margin | 3.7299% | 4,267 |
| Noninterest income to average assets | 0.3952% | 4,995 |
| Noninterest expense to average assets | 2.2973% | 6,337 |
| Loan and lease loss provision to assets | 0.5593% | 2,713 |
| Net operating income to assets | 0.6656% | 3,570 |
| Return on assets (ROA) | 0.6656% | 3,735 |
| Pretax return on assets | 0.8644% | 3,686 |
| Return on Equity (ROE) | 4.0512% | 4,754 |
| Retained earnings to average equity (ytd only) | 3.2494% | 4,154 |
| Net charge-offs to loans | 1.1467% | 1,779 |
| Credit loss provision to net charge-offs | 74.2331% | 5,310 |
| Earnings coverage of net charge-offs (x) | 1.8895% | 4,290 |
| Efficiency ratio | 61.7391% | 5,659 |
| Assets per employee ($millions) | 4.9374% | 2,263 |
| Cash dividends to net income (ytd only)* | 19.7922% | 2,979 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5505% | 7,410 |
| Loan loss allowance to noncurrent loans | 6.1530% | 7,222 |
| Noncurrent assets plus other real estate owned to assets | 6.3782% | 900 |
| Noncurrent loans to loans | 8.9471% | 540 |
| Net loans and leases to total assets | 67.6872% | 3,294 |
| Net loans and leases to deposits | 93.8764% | 1,216 |
| Net loans and leases to core deposits | 99.6001% | 1,887 |
| Total domestic deposits to total assets | 72.1025% | 7,119 |
| Equity capital to assets | 16.2602% | 627 |
| Core capital (leverage) ratio | 15.7911% | 591 |
| Tier 1 risk-based capital ratio | 24.4781% | 895 |
| Total risk-based capital ratio | 25.0531% | 946 |
| Memoranda: | ||
| Average total assets | $57,689,000 | 6,363 |
| Average earning assets | $51,438,500 | 6,387 |
| Average equity | $9,478,500 | 5,350 |
| Average total loans | $37,906,500 | 6,100 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9138% | 5,330 |
| Cost of funding earning assets | 1.2716% | 4,705 |
| Net interest margin | 3.6421% | 4,622 |
| Noninterest income to average assets | 0.3988% | 4,927 |
| Noninterest expense to average assets | 2.2180% | 6,606 |
| Loan and lease loss provision to assets | 0.5178% | 2,721 |
| Net operating income to assets | 0.7032% | 3,393 |
| Return on assets (ROA) | 0.7032% | 3,549 |
| Pretax return on assets | 0.9096% | 3,456 |
| Return on Equity (ROE) | 4.2645% | 4,659 |
| Retained earnings to average equity (ytd only) | 3.1612% | 4,100 |
| Net charge-offs to loans | 0.3450% | 3,620 |
| Credit loss provision to net charge-offs | 231.2500% | 1,671 |
| Earnings coverage of net charge-offs (x) | 6.3750% | 2,468 |
| Efficiency ratio | 60.8445% | 5,888 |
| Assets per employee ($millions) | 5.3542% | 1,753 |
| Cash dividends to net income (ytd only)* | 25.8706% | 2,670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9604% | 6,565 |
| Loan loss allowance to noncurrent loans | 11.7505% | 7,224 |
| Noncurrent assets plus other real estate owned to assets | 5.9257% | 1,001 |
| Noncurrent loans to loans | 8.1733% | 627 |
| Net loans and leases to total assets | 68.2865% | 3,294 |
| Net loans and leases to deposits | 93.8270% | 1,301 |
| Net loans and leases to core deposits | 100.1494% | 2,000 |
| Total domestic deposits to total assets | 72.7791% | 7,119 |
| Equity capital to assets | 16.1692% | 643 |
| Core capital (leverage) ratio | 15.9310% | 577 |
| Tier 1 risk-based capital ratio | 24.2244% | 921 |
| Total risk-based capital ratio | 25.2335% | 929 |
| Memoranda: | ||
| Average total assets | $57,169,000 | 6,427 |
| Average earning assets | $50,959,000 | 6,446 |
| Average equity | $9,426,670 | 5,369 |
| Average total loans | $37,100,000 | 6,190 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7669% | 6,011 |
| Cost of funding earning assets | 1.3769% | 4,320 |
| Net interest margin | 3.3900% | 5,621 |
| Noninterest income to average assets | 0.4191% | 4,740 |
| Noninterest expense to average assets | 2.2165% | 6,644 |
| Loan and lease loss provision to assets | 0.6038% | 2,106 |
| Net operating income to assets | 0.5044% | 4,374 |
| Return on assets (ROA) | 0.5044% | 4,516 |
| Pretax return on assets | 0.5896% | 4,650 |
| Return on Equity (ROE) | 3.0282% | 5,327 |
| Retained earnings to average equity (ytd only) | 3.0282% | 4,319 |
| Net charge-offs to loans | 0.5319% | 2,472 |
| Credit loss provision to net charge-offs | 180.8511% | 2,026 |
| Earnings coverage of net charge-offs (x) | 3.5745% | 2,861 |
| Efficiency ratio | 65.0000% | 5,309 |
| Assets per employee ($millions) | 5.0685% | 2,145 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9710% | 6,595 |
| Loan loss allowance to noncurrent loans | 10.4687% | 7,324 |
| Noncurrent assets plus other real estate owned to assets | 6.2112% | 945 |
| Noncurrent loans to loans | 9.2751% | 499 |
| Net loans and leases to total assets | 62.9264% | 4,553 |
| Net loans and leases to deposits | 76.4707% | 4,327 |
| Net loans and leases to core deposits | 76.4707% | 5,197 |
| Total domestic deposits to total assets | 82.2883% | 4,938 |
| Equity capital to assets | 16.8562% | 551 |
| Core capital (leverage) ratio | 16.5632% | 498 |
| Tier 1 risk-based capital ratio | 25.3515% | 828 |
| Total risk-based capital ratio | 26.2908% | 836 |
| Memoranda: | ||
| Average total assets | $56,305,500 | 6,522 |
| Average earning assets | $49,676,000 | 6,562 |
| Average equity | $9,378,500 | 5,428 |
| Average total loans | $35,346,000 | 6,350 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4128% | 4,633 |
| Cost of funding earning assets | 1.5236% | 5,412 |
| Net interest margin | 3.8891% | 3,314 |
| Noninterest income to average assets | 0.4471% | 4,832 |
| Noninterest expense to average assets | 2.2559% | 6,855 |
| Loan and lease loss provision to assets | 0.1956% | 5,777 |
| Net operating income to assets | 1.1252% | 1,449 |
| Return on assets (ROA) | 1.1252% | 1,485 |
| Pretax return on assets | 1.4810% | 1,231 |
| Return on Equity (ROE) | 6.4350% | 3,022 |
| Retained earnings to average equity (ytd only) | 2.7700% | 3,222 |
| Net charge-offs to loans | 0.2061% | 5,340 |
| Credit loss provision to net charge-offs | 150.0000% | 3,093 |
| Earnings coverage of net charge-offs (x) | 12.8571% | 1,467 |
| Efficiency ratio | 57.3662% | 6,855 |
| Assets per employee ($millions) | 5.1688% | 1,981 |
| Cash dividends to net income (ytd only)* | 56.9536% | 2,144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8677% | 6,929 |
| Loan loss allowance to noncurrent loans | 7.6942% | 7,397 |
| Noncurrent assets plus other real estate owned to assets | 6.9947% | 718 |
| Noncurrent loans to loans | 11.2778% | 328 |
| Net loans and leases to total assets | 61.4841% | 5,108 |
| Net loans and leases to deposits | 74.9111% | 4,888 |
| Net loans and leases to core deposits | 95.6731% | 4,498 |
| Total domestic deposits to total assets | 82.0761% | 4,912 |
| Equity capital to assets | 16.4606% | 624 |
| Core capital (leverage) ratio | 16.3066% | 572 |
| Tier 1 risk-based capital ratio | 25.4123% | 804 |
| Total risk-based capital ratio | 26.2561% | 822 |
| Memoranda: | ||
| Average total assets | $53,681,200 | 6,566 |
| Average earning assets | $48,108,600 | 6,596 |
| Average equity | $9,386,200 | 5,479 |
| Average total loans | $33,957,200 | 6,396 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6213% | 3,733 |
| Cost of funding earning assets | 1.5685% | 5,551 |
| Net interest margin | 4.0529% | 2,588 |
| Noninterest income to average assets | 0.4740% | 4,719 |
| Noninterest expense to average assets | 2.2815% | 6,750 |
| Loan and lease loss provision to assets | 0.1134% | 6,236 |
| Net operating income to assets | 1.3059% | 1,201 |
| Return on assets (ROA) | 1.3059% | 1,279 |
| Pretax return on assets | 1.7269% | 923 |
| Return on Equity (ROE) | 7.3528% | 2,928 |
| Retained earnings to average equity (ytd only) | 4.7127% | 2,649 |
| Net charge-offs to loans | 0.0753% | 5,935 |
| Credit loss provision to net charge-offs | 236.8421% | 1,845 |
| Earnings coverage of net charge-offs (x) | 38.4252% | 775 |
| Efficiency ratio | 55.3517% | 7,085 |
| Assets per employee ($millions) | 5.6002% | 1,512 |
| Cash dividends to net income (ytd only)* | 35.9068% | 2,625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9141% | 6,696 |
| Loan loss allowance to noncurrent loans | 7.2955% | 7,486 |
| Noncurrent assets plus other real estate owned to assets | 7.2694% | 636 |
| Noncurrent loans to loans | 12.5300% | 245 |
| Net loans and leases to total assets | 57.4854% | 5,969 |
| Net loans and leases to deposits | 70.2827% | 5,878 |
| Net loans and leases to core deposits | 84.8479% | 5,979 |
| Total domestic deposits to total assets | 81.7917% | 4,771 |
| Equity capital to assets | 17.0155% | 628 |
| Core capital (leverage) ratio | 16.8882% | 565 |
| Tier 1 risk-based capital ratio | 26.1088% | 815 |
| Total risk-based capital ratio | 26.9414% | 821 |
| Memoranda: | ||
| Average total assets | $52,887,250 | 6,644 |
| Average earning assets | $47,603,000 | 6,665 |
| Average equity | $9,393,000 | 5,521 |
| Average total loans | $33,630,500 | 6,469 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8212% | 2,951 |
| Cost of funding earning assets | 1.6455% | 5,532 |
| Net interest margin | 4.1757% | 2,073 |
| Noninterest income to average assets | 0.4860% | 4,572 |
| Noninterest expense to average assets | 2.2913% | 6,779 |
| Loan and lease loss provision to assets | 0.1003% | 6,170 |
| Net operating income to assets | 1.4118% | 1,005 |
| Return on assets (ROA) | 1.4118% | 1,068 |
| Pretax return on assets | 1.8631% | 752 |
| Return on Equity (ROE) | 7.8308% | 2,840 |
| Retained earnings to average equity (ytd only) | 3.8512% | 3,146 |
| Net charge-offs to loans | 0.0235% | 6,162 |
| Credit loss provision to net charge-offs | 650.0000% | 713 |
| Earnings coverage of net charge-offs (x) | 127.2500% | 307 |
| Efficiency ratio | 53.8531% | 7,350 |
| Assets per employee ($millions) | 5.1572% | 1,907 |
| Cash dividends to net income (ytd only)* | 50.8197% | 2,010 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8517% | 6,975 |
| Loan loss allowance to noncurrent loans | 81.8942% | 3,442 |
| Noncurrent assets plus other real estate owned to assets | 0.6961% | 5,666 |
| Noncurrent loans to loans | 1.0400% | 5,137 |
| Net loans and leases to total assets | 66.3655% | 4,492 |
| Net loans and leases to deposits | 82.6815% | 4,105 |
| Net loans and leases to core deposits | 99.7610% | 4,532 |
| Total domestic deposits to total assets | 80.2664% | 5,364 |
| Equity capital to assets | 18.1882% | 532 |
| Core capital (leverage) ratio | 17.8341% | 526 |
| Tier 1 risk-based capital ratio | 26.2247% | 837 |
| Total risk-based capital ratio | 27.0641% | 855 |
| Memoranda: | ||
| Average total assets | $51,849,000 | 6,751 |
| Average earning assets | $46,794,670 | 6,758 |
| Average equity | $9,347,670 | 5,563 |
| Average total loans | $34,010,670 | 6,500 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8262% | 3,165 |
| Cost of funding earning assets | 1.7291% | 5,476 |
| Net interest margin | 4.0971% | 2,284 |
| Noninterest income to average assets | 0.4924% | 4,390 |
| Noninterest expense to average assets | 2.1698% | 6,947 |
| Loan and lease loss provision to assets | 0.0923% | 5,777 |
| Net operating income to assets | 1.4542% | 1,031 |
| Return on assets (ROA) | 1.4542% | 1,105 |
| Pretax return on assets | 1.9312% | 752 |
| Return on Equity (ROE) | 8.1016% | 3,098 |
| Retained earnings to average equity (ytd only) | 7.3729% | 2,067 |
| Net charge-offs to loans | -0.0118% | 7,313 |
| Credit loss provision to net charge-offs | -1,200.0000% | 6,545 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.7431% | 7,443 |
| Assets per employee ($millions) | 5.7437% | 1,369 |
| Cash dividends to net income (ytd only)* | 8.9947% | 2,729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8234% | 7,076 |
| Loan loss allowance to noncurrent loans | 85.5856% | 3,475 |
| Noncurrent assets plus other real estate owned to assets | 0.6442% | 5,558 |
| Noncurrent loans to loans | 0.9620% | 5,069 |
| Net loans and leases to total assets | 66.4094% | 4,487 |
| Net loans and leases to deposits | 82.5732% | 4,198 |
| Net loans and leases to core deposits | 104.7702% | 4,051 |
| Total domestic deposits to total assets | 80.4248% | 5,200 |
| Equity capital to assets | 18.2056% | 582 |
| Core capital (leverage) ratio | 17.6405% | 592 |
| Tier 1 risk-based capital ratio | 25.9654% | 895 |
| Total risk-based capital ratio | 26.7717% | 906 |
| Memoranda: | ||
| Average total assets | $51,987,500 | 6,783 |
| Average earning assets | $46,960,000 | 6,796 |
| Average equity | $9,331,500 | 5,589 |
| Average total loans | $33,756,000 | 6,550 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7982% | 6,440 |
| Cost of funding earning assets | 2.1834% | 5,669 |
| Net interest margin | 3.6148% | 4,814 |
| Noninterest income to average assets | 0.4837% | 4,766 |
| Noninterest expense to average assets | 2.1032% | 7,232 |
| Loan and lease loss provision to assets | 0.0860% | 6,307 |
| Net operating income to assets | 1.1720% | 1,872 |
| Return on assets (ROA) | 1.1720% | 1,798 |
| Pretax return on assets | 1.5200% | 1,622 |
| Return on Equity (ROE) | 6.7638% | 3,640 |
| Retained earnings to average equity (ytd only) | 3.0453% | 3,268 |
| Net charge-offs to loans | 0.1094% | 5,186 |
| Credit loss provision to net charge-offs | 132.3529% | 4,024 |
| Earnings coverage of net charge-offs (x) | 24.7059% | 1,367 |
| Efficiency ratio | 56.7010% | 6,910 |
| Assets per employee ($millions) | 5.8091% | 1,259 |
| Cash dividends to net income (ytd only)* | 54.9755% | 2,889 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8268% | 6,996 |
| Loan loss allowance to noncurrent loans | 44.9587% | 5,761 |
| Noncurrent assets plus other real estate owned to assets | 1.1572% | 3,956 |
| Noncurrent loans to loans | 1.8390% | 3,000 |
| Net loans and leases to total assets | 62.4039% | 5,557 |
| Net loans and leases to deposits | 78.4845% | 5,273 |
| Net loans and leases to core deposits | 100.6696% | 4,758 |
| Total domestic deposits to total assets | 79.5111% | 5,199 |
| Equity capital to assets | 17.6963% | 692 |
| Core capital (leverage) ratio | 17.0358% | 694 |
| Tier 1 risk-based capital ratio | 25.1620% | 972 |
| Total risk-based capital ratio | 25.9220% | 989 |
| Memoranda: | ||
| Average total assets | $52,301,800 | 6,686 |
| Average earning assets | $46,669,400 | 6,731 |
| Average equity | $9,063,000 | 5,720 |
| Average total loans | $31,078,800 | 6,646 |