Home > Park Cities Bank > Performance and Condition Ratios
Park Cities Bank, Performance and Condition Ratios
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2596% | 6,058 |
| Cost of funding earning assets | 0.8669% | 877 |
| Net interest margin | 2.3928% | 6,451 |
| Noninterest income to average assets | 0.1655% | 6,099 |
| Noninterest expense to average assets | 3.4322% | 1,810 |
| Loan and lease loss provision to assets | 0.1844% | 1,996 |
| Net operating income to assets | -1.3354% | 6,657 |
| Return on assets (ROA) | -1.3354% | 6,658 |
| Pretax return on assets | -1.3354% | 6,649 |
| Return on Equity (ROE) | -22.8909% | 6,700 |
| Retained earnings to average equity (ytd only) | -22.8909% | 6,691 |
| Net charge-offs to loans | 0.6683% | 970 |
| Credit loss provision to net charge-offs | 48.7662% | 3,846 |
| Earnings coverage of net charge-offs (x) | -3.0441% | 5,354 |
| Efficiency ratio | 150.4577% | 64 |
| Assets per employee ($millions) | 5.7179% | 1,461 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4718% | 298 |
| Loan loss allowance to noncurrent loans | 13.1121% | 6,260 |
| Noncurrent assets plus other real estate owned to assets | 21.3276% | 17 |
| Noncurrent loans to loans | 26.4779% | 6 |
| Net loans and leases to total assets | 52.9944% | 4,722 |
| Net loans and leases to deposits | 56.2089% | 5,285 |
| Net loans and leases to core deposits | 62.8181% | 4,988 |
| Total domestic deposits to total assets | 94.2811% | 72 |
| Equity capital to assets | 5.2208% | 6,675 |
| Core capital (leverage) ratio | 6.0281% | 6,646 |
| Tier 1 risk-based capital ratio | 9.1293% | 6,650 |
| Total risk-based capital ratio | 10.3985% | 6,630 |
| Memoranda: | ||
| Average total assets | $450,116,000 | 1,476 |
| Average earning assets | $397,987,600 | 1,519 |
| Average equity | $26,259,400 | 2,522 |
| Average total loans | $254,690,800 | 1,632 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2729% | 6,104 |
| Cost of funding earning assets | 0.9010% | 810 |
| Net interest margin | 2.3718% | 6,539 |
| Noninterest income to average assets | 0.1570% | 6,249 |
| Noninterest expense to average assets | 3.3411% | 1,977 |
| Loan and lease loss provision to assets | 0.2400% | 1,500 |
| Net operating income to assets | -1.3349% | 6,743 |
| Return on assets (ROA) | -1.3343% | 6,745 |
| Pretax return on assets | -1.3343% | 6,741 |
| Return on Equity (ROE) | -22.3545% | 6,784 |
| Retained earnings to average equity (ytd only) | -22.3545% | 6,771 |
| Net charge-offs to loans | 0.8686% | 672 |
| Credit loss provision to net charge-offs | 48.5096% | 3,544 |
| Earnings coverage of net charge-offs (x) | -2.2133% | 5,088 |
| Efficiency ratio | 148.7450% | 76 |
| Assets per employee ($millions) | 5.9373% | 1,279 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2614% | 425 |
| Loan loss allowance to noncurrent loans | 14.1775% | 6,330 |
| Noncurrent assets plus other real estate owned to assets | 19.3216% | 21 |
| Noncurrent loans to loans | 23.0040% | 12 |
| Net loans and leases to total assets | 54.3842% | 4,545 |
| Net loans and leases to deposits | 57.8545% | 5,208 |
| Net loans and leases to core deposits | 64.5466% | 4,840 |
| Total domestic deposits to total assets | 94.0016% | 70 |
| Equity capital to assets | 5.5073% | 6,736 |
| Core capital (leverage) ratio | 6.1675% | 6,698 |
| Tier 1 risk-based capital ratio | 9.1986% | 6,710 |
| Total risk-based capital ratio | 10.4662% | 6,703 |
| Memoranda: | ||
| Average total assets | $461,152,250 | 1,438 |
| Average earning assets | $406,199,250 | 1,500 |
| Average equity | $27,525,500 | 2,438 |
| Average total loans | $262,643,500 | 1,590 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3838% | 5,941 |
| Cost of funding earning assets | 0.9747% | 618 |
| Net interest margin | 2.4091% | 6,546 |
| Noninterest income to average assets | 0.1657% | 6,226 |
| Noninterest expense to average assets | 3.2735% | 2,146 |
| Loan and lease loss provision to assets | 0.3500% | 952 |
| Net operating income to assets | -1.3517% | 6,793 |
| Return on assets (ROA) | -1.3509% | 6,797 |
| Pretax return on assets | -1.3509% | 6,787 |
| Return on Equity (ROE) | -22.1255% | 6,836 |
| Retained earnings to average equity (ytd only) | -22.1255% | 6,813 |
| Net charge-offs to loans | 1.4860% | 359 |
| Credit loss provision to net charge-offs | 41.1911% | 3,393 |
| Earnings coverage of net charge-offs (x) | -1.1792% | 4,724 |
| Efficiency ratio | 144.0980% | 83 |
| Assets per employee ($millions) | 5.6673% | 1,444 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9909% | 590 |
| Loan loss allowance to noncurrent loans | 13.8988% | 6,391 |
| Noncurrent assets plus other real estate owned to assets | 22.2373% | 13 |
| Noncurrent loans to loans | 21.5191% | 15 |
| Net loans and leases to total assets | 56.6588% | 4,184 |
| Net loans and leases to deposits | 60.5245% | 4,918 |
| Net loans and leases to core deposits | 67.1778% | 4,575 |
| Total domestic deposits to total assets | 93.6130% | 79 |
| Equity capital to assets | 5.9311% | 6,747 |
| Core capital (leverage) ratio | 6.2074% | 6,734 |
| Tier 1 risk-based capital ratio | 8.9408% | 6,762 |
| Total risk-based capital ratio | 10.2042% | 6,764 |
| Memoranda: | ||
| Average total assets | $474,353,330 | 1,403 |
| Average earning assets | $414,678,670 | 1,470 |
| Average equity | $28,962,000 | 2,346 |
| Average total loans | $271,196,330 | 1,555 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3543% | 6,038 |
| Cost of funding earning assets | 1.1541% | 285 |
| Net interest margin | 2.2002% | 6,753 |
| Noninterest income to average assets | 0.1130% | 6,526 |
| Noninterest expense to average assets | 3.0621% | 2,803 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -1.0236% | 6,813 |
| Return on assets (ROA) | -1.0220% | 6,823 |
| Pretax return on assets | -1.0220% | 6,806 |
| Return on Equity (ROE) | -16.5380% | 6,877 |
| Retained earnings to average equity (ytd only) | -16.5380% | 6,780 |
| Net charge-offs to loans | -0.8703% | 6,920 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 150.2163% | 86 |
| Assets per employee ($millions) | 6.4718% | 997 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3216% | 487 |
| Loan loss allowance to noncurrent loans | 17.7619% | 6,393 |
| Noncurrent assets plus other real estate owned to assets | 20.8230% | 21 |
| Noncurrent loans to loans | 18.7005% | 34 |
| Net loans and leases to total assets | 56.8339% | 3,954 |
| Net loans and leases to deposits | 60.9273% | 4,689 |
| Net loans and leases to core deposits | 67.3664% | 4,370 |
| Total domestic deposits to total assets | 93.2814% | 104 |
| Equity capital to assets | 6.3596% | 6,801 |
| Core capital (leverage) ratio | 5.9057% | 6,813 |
| Tier 1 risk-based capital ratio | 8.7150% | 6,828 |
| Total risk-based capital ratio | 9.9829% | 6,831 |
| Memoranda: | ||
| Average total assets | $499,004,500 | 1,353 |
| Average earning assets | $436,691,000 | 1,412 |
| Average equity | $30,838,000 | 2,251 |
| Average total loans | $282,667,500 | 1,501 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7055% | 6,040 |
| Cost of funding earning assets | 1.3649% | 286 |
| Net interest margin | 2.3406% | 6,817 |
| Noninterest income to average assets | -0.4451% | 7,025 |
| Noninterest expense to average assets | 3.0002% | 3,271 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | -1.4364% | 6,846 |
| Return on assets (ROA) | -1.3629% | 6,841 |
| Pretax return on assets | -1.3629% | 6,819 |
| Return on Equity (ROE) | -21.7141% | 6,902 |
| Retained earnings to average equity (ytd only) | -21.7141% | 6,873 |
| Net charge-offs to loans | 0.7965% | 1,473 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | -3.2205% | 5,877 |
| Efficiency ratio | 191.8467% | 44 |
| Assets per employee ($millions) | 7.4024% | 656 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9937% | 669 |
| Loan loss allowance to noncurrent loans | 15.3547% | 6,485 |
| Noncurrent assets plus other real estate owned to assets | 19.4674% | 30 |
| Noncurrent loans to loans | 19.4969% | 32 |
| Net loans and leases to total assets | 53.0842% | 4,742 |
| Net loans and leases to deposits | 56.7661% | 5,366 |
| Net loans and leases to core deposits | 67.7232% | 4,568 |
| Total domestic deposits to total assets | 93.5139% | 91 |
| Equity capital to assets | 6.0184% | 6,892 |
| Core capital (leverage) ratio | 5.8290% | 6,869 |
| Tier 1 risk-based capital ratio | 8.8698% | 6,863 |
| Total risk-based capital ratio | 10.1347% | 6,864 |
| Memoranda: | ||
| Average total assets | $562,321,600 | 1,179 |
| Average earning assets | $482,659,400 | 1,263 |
| Average equity | $35,295,000 | 1,956 |
| Average total loans | $314,863,800 | 1,333 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7848% | 6,055 |
| Cost of funding earning assets | 1.3798% | 319 |
| Net interest margin | 2.4050% | 6,889 |
| Noninterest income to average assets | -0.3980% | 7,113 |
| Noninterest expense to average assets | 2.9062% | 3,574 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | -1.2514% | 6,918 |
| Return on assets (ROA) | -1.1550% | 6,920 |
| Pretax return on assets | -1.1550% | 6,903 |
| Return on Equity (ROE) | -18.2297% | 6,968 |
| Retained earnings to average equity (ytd only) | -18.2297% | 6,949 |
| Net charge-offs to loans | 0.5542% | 1,945 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | -4.0120% | 5,693 |
| Efficiency ratio | 175.6239% | 53 |
| Assets per employee ($millions) | 7.7004% | 538 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3449% | 532 |
| Loan loss allowance to noncurrent loans | 16.9011% | 6,558 |
| Noncurrent assets plus other real estate owned to assets | 19.4436% | 43 |
| Noncurrent loans to loans | 19.7909% | 42 |
| Net loans and leases to total assets | 52.4401% | 4,986 |
| Net loans and leases to deposits | 56.2362% | 5,615 |
| Net loans and leases to core deposits | 66.9321% | 4,849 |
| Total domestic deposits to total assets | 93.2497% | 97 |
| Equity capital to assets | 6.3988% | 6,956 |
| Core capital (leverage) ratio | 6.2063% | 6,929 |
| Tier 1 risk-based capital ratio | 9.6184% | 6,882 |
| Total risk-based capital ratio | 10.8856% | 6,866 |
| Memoranda: | ||
| Average total assets | $571,509,250 | 1,175 |
| Average earning assets | $487,802,250 | 1,264 |
| Average equity | $36,211,000 | 1,932 |
| Average total loans | $321,678,500 | 1,318 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8624% | 6,004 |
| Cost of funding earning assets | 1.4197% | 323 |
| Net interest margin | 2.4428% | 6,934 |
| Noninterest income to average assets | 0.4671% | 4,152 |
| Noninterest expense to average assets | 3.8280% | 1,168 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | -1.2986% | 6,979 |
| Return on assets (ROA) | -1.2986% | 6,996 |
| Pretax return on assets | -1.2986% | 6,971 |
| Return on Equity (ROE) | -20.5577% | 7,045 |
| Retained earnings to average equity (ytd only) | -20.5577% | 7,021 |
| Net charge-offs to loans | 0.1273% | 3,912 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | -17.9194% | 5,477 |
| Efficiency ratio | 151.3374% | 96 |
| Assets per employee ($millions) | 8.0566% | 458 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5162% | 492 |
| Loan loss allowance to noncurrent loans | 19.7766% | 6,522 |
| Noncurrent assets plus other real estate owned to assets | 20.1554% | 37 |
| Noncurrent loans to loans | 17.7795% | 61 |
| Net loans and leases to total assets | 54.6344% | 4,685 |
| Net loans and leases to deposits | 58.5435% | 5,392 |
| Net loans and leases to core deposits | 69.4690% | 4,601 |
| Total domestic deposits to total assets | 93.3228% | 105 |
| Equity capital to assets | 6.4023% | 6,997 |
| Core capital (leverage) ratio | 6.1554% | 6,967 |
| Tier 1 risk-based capital ratio | 9.0837% | 6,973 |
| Total risk-based capital ratio | 10.3451% | 6,972 |
| Memoranda: | ||
| Average total assets | $582,337,330 | 1,152 |
| Average earning assets | $491,658,000 | 1,251 |
| Average equity | $36,784,330 | 1,897 |
| Average total loans | $331,422,330 | 1,282 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8655% | 6,099 |
| Cost of funding earning assets | 1.4900% | 298 |
| Net interest margin | 2.3755% | 7,026 |
| Noninterest income to average assets | 0.3656% | 4,946 |
| Noninterest expense to average assets | 3.4784% | 1,806 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -1.1208% | 7,023 |
| Return on assets (ROA) | -1.1208% | 7,035 |
| Pretax return on assets | -1.1208% | 7,002 |
| Return on Equity (ROE) | -17.8538% | 7,091 |
| Retained earnings to average equity (ytd only) | -17.8538% | 7,017 |
| Net charge-offs to loans | 0.2339% | 2,759 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | -8.4000% | 4,688 |
| Efficiency ratio | 147.5382% | 114 |
| Assets per employee ($millions) | 8.8999% | 335 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2449% | 654 |
| Loan loss allowance to noncurrent loans | 19.8542% | 6,566 |
| Noncurrent assets plus other real estate owned to assets | 21.9433% | 35 |
| Noncurrent loans to loans | 16.3435% | 95 |
| Net loans and leases to total assets | 55.4283% | 4,482 |
| Net loans and leases to deposits | 59.2886% | 5,247 |
| Net loans and leases to core deposits | 69.3360% | 4,520 |
| Total domestic deposits to total assets | 93.4890% | 115 |
| Equity capital to assets | 6.2708% | 7,041 |
| Core capital (leverage) ratio | 6.1447% | 7,020 |
| Tier 1 risk-based capital ratio | 8.7034% | 7,060 |
| Total risk-based capital ratio | 9.9699% | 7,063 |
| Memoranda: | ||
| Average total assets | $599,581,500 | 1,114 |
| Average earning assets | $502,802,000 | 1,222 |
| Average equity | $37,639,000 | 1,852 |
| Average total loans | $342,022,500 | 1,232 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9466% | 6,552 |
| Cost of funding earning assets | 1.7000% | 323 |
| Net interest margin | 2.2466% | 7,159 |
| Noninterest income to average assets | -0.1133% | 7,108 |
| Noninterest expense to average assets | 2.6538% | 4,911 |
| Loan and lease loss provision to assets | -0.5210% | 7,336 |
| Net operating income to assets | -0.2554% | 6,303 |
| Return on assets (ROA) | -0.2554% | 6,364 |
| Pretax return on assets | -0.2554% | 6,325 |
| Return on Equity (ROE) | -4.4662% | 6,501 |
| Retained earnings to average equity (ytd only) | -4.4662% | 6,409 |
| Net charge-offs to loans | 2.1028% | 641 |
| Credit loss provision to net charge-offs | -38.8290% | 6,652 |
| Earnings coverage of net charge-offs (x) | -0.5786% | 6,104 |
| Efficiency ratio | 141.3488% | 170 |
| Assets per employee ($millions) | 9.5589% | 269 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1993% | 681 |
| Loan loss allowance to noncurrent loans | 17.0367% | 6,695 |
| Noncurrent assets plus other real estate owned to assets | 24.1260% | 25 |
| Noncurrent loans to loans | 18.7789% | 64 |
| Net loans and leases to total assets | 54.9921% | 4,880 |
| Net loans and leases to deposits | 58.9511% | 5,603 |
| Net loans and leases to core deposits | 67.9629% | 5,031 |
| Total domestic deposits to total assets | 93.2843% | 125 |
| Equity capital to assets | 6.2840% | 7,062 |
| Core capital (leverage) ratio | 6.1538% | 7,041 |
| Tier 1 risk-based capital ratio | 8.7153% | 7,060 |
| Total risk-based capital ratio | 9.9810% | 7,061 |
| Memoranda: | ||
| Average total assets | $705,240,200 | 925 |
| Average earning assets | $624,939,800 | 948 |
| Average equity | $40,324,800 | 1,671 |
| Average total loans | $449,975,600 | 929 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9497% | 6,660 |
| Cost of funding earning assets | 1.7446% | 324 |
| Net interest margin | 2.2050% | 7,258 |
| Noninterest income to average assets | 0.1248% | 6,635 |
| Noninterest expense to average assets | 2.7365% | 4,591 |
| Loan and lease loss provision to assets | -0.6723% | 7,421 |
| Net operating income to assets | 0.0388% | 6,096 |
| Return on assets (ROA) | 0.0388% | 6,191 |
| Pretax return on assets | 0.0388% | 6,177 |
| Return on Equity (ROE) | 0.6929% | 6,130 |
| Retained earnings to average equity (ytd only) | 0.6929% | 5,740 |
| Net charge-offs to loans | 2.4020% | 466 |
| Credit loss provision to net charge-offs | -42.8805% | 6,462 |
| Earnings coverage of net charge-offs (x) | -0.4041% | 5,801 |
| Efficiency ratio | 130.1253% | 226 |
| Assets per employee ($millions) | 10.3607% | 225 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8706% | 958 |
| Loan loss allowance to noncurrent loans | 13.6730% | 6,841 |
| Noncurrent assets plus other real estate owned to assets | 24.2212% | 23 |
| Noncurrent loans to loans | 20.9944% | 49 |
| Net loans and leases to total assets | 64.3150% | 3,247 |
| Net loans and leases to deposits | 68.9102% | 4,460 |
| Net loans and leases to core deposits | 83.7529% | 3,095 |
| Total domestic deposits to total assets | 93.3315% | 116 |
| Equity capital to assets | 6.3914% | 7,149 |
| Core capital (leverage) ratio | 6.0904% | 7,121 |
| Tier 1 risk-based capital ratio | 8.1882% | 7,178 |
| Total risk-based capital ratio | 9.4529% | 7,178 |
| Memoranda: | ||
| Average total assets | $728,607,250 | 904 |
| Average earning assets | $653,642,500 | 913 |
| Average equity | $40,795,000 | 1,648 |
| Average total loans | $475,583,250 | 894 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8619% | 6,853 |
| Cost of funding earning assets | 1.7837% | 333 |
| Net interest margin | 2.0782% | 7,350 |
| Noninterest income to average assets | 0.1178% | 6,741 |
| Noninterest expense to average assets | 2.6177% | 5,127 |
| Loan and lease loss provision to assets | -0.8877% | 7,499 |
| Net operating income to assets | 0.2723% | 5,474 |
| Return on assets (ROA) | 0.2723% | 5,601 |
| Pretax return on assets | 0.2723% | 5,737 |
| Return on Equity (ROE) | 5.0625% | 4,419 |
| Retained earnings to average equity (ytd only) | 5.0625% | 2,965 |
| Net charge-offs to loans | 2.8640% | 377 |
| Credit loss provision to net charge-offs | -47.6775% | 6,244 |
| Earnings coverage of net charge-offs (x) | -0.3305% | 5,467 |
| Efficiency ratio | 130.7339% | 250 |
| Assets per employee ($millions) | 11.2835% | 173 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0511% | 853 |
| Loan loss allowance to noncurrent loans | 16.1635% | 6,831 |
| Noncurrent assets plus other real estate owned to assets | 20.6408% | 57 |
| Noncurrent loans to loans | 18.8766% | 77 |
| Net loans and leases to total assets | 64.7503% | 3,309 |
| Net loans and leases to deposits | 69.0940% | 4,553 |
| Net loans and leases to core deposits | 83.3492% | 3,316 |
| Total domestic deposits to total assets | 93.7133% | 92 |
| Equity capital to assets | 6.0789% | 7,233 |
| Core capital (leverage) ratio | 5.9056% | 7,211 |
| Tier 1 risk-based capital ratio | 8.0538% | 7,242 |
| Total risk-based capital ratio | 9.3218% | 7,245 |
| Memoranda: | ||
| Average total assets | $760,808,000 | 881 |
| Average earning assets | $689,920,000 | 881 |
| Average equity | $40,928,670 | 1,639 |
| Average total loans | $494,615,330 | 875 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6473% | 7,109 |
| Cost of funding earning assets | 1.9183% | 230 |
| Net interest margin | 1.7290% | 7,467 |
| Noninterest income to average assets | 0.1181% | 6,820 |
| Noninterest expense to average assets | 2.3157% | 6,149 |
| Loan and lease loss provision to assets | -1.4765% | 7,564 |
| Net operating income to assets | 0.8626% | 2,735 |
| Return on assets (ROA) | 0.8626% | 2,797 |
| Pretax return on assets | 0.8626% | 3,654 |
| Return on Equity (ROE) | 16.9641% | 575 |
| Retained earnings to average equity (ytd only) | 16.9641% | 281 |
| Net charge-offs to loans | 4.7464% | 164 |
| Credit loss provision to net charge-offs | -48.4071% | 5,648 |
| Earnings coverage of net charge-offs (x) | -0.2013% | 4,697 |
| Efficiency ratio | 136.0761% | 227 |
| Assets per employee ($millions) | 11.9315% | 158 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0540% | 869 |
| Loan loss allowance to noncurrent loans | 17.6276% | 6,850 |
| Noncurrent assets plus other real estate owned to assets | 18.0845% | 87 |
| Noncurrent loans to loans | 17.3252% | 102 |
| Net loans and leases to total assets | 66.1682% | 2,967 |
| Net loans and leases to deposits | 70.3390% | 4,299 |
| Net loans and leases to core deposits | 80.9865% | 3,603 |
| Total domestic deposits to total assets | 94.0704% | 75 |
| Equity capital to assets | 5.7390% | 7,314 |
| Core capital (leverage) ratio | 5.0501% | 7,359 |
| Tier 1 risk-based capital ratio | 7.6616% | 7,316 |
| Total risk-based capital ratio | 8.9305% | 7,319 |
| Memoranda: | ||
| Average total assets | $802,706,000 | 841 |
| Average earning assets | $735,233,500 | 828 |
| Average equity | $40,815,500 | 1,635 |
| Average total loans | $515,841,500 | 845 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7847% | 7,261 |
| Cost of funding earning assets | 1.9139% | 804 |
| Net interest margin | 1.8708% | 7,491 |
| Noninterest income to average assets | 0.1060% | 6,865 |
| Noninterest expense to average assets | 2.1275% | 6,778 |
| Loan and lease loss provision to assets | 3.8174% | 175 |
| Net operating income to assets | -4.5410% | 7,494 |
| Return on assets (ROA) | -4.5410% | 7,507 |
| Pretax return on assets | -4.0965% | 7,451 |
| Return on Equity (ROE) | -64.0282% | 7,500 |
| Retained earnings to average equity (ytd only) | -64.0282% | 7,498 |
| Net charge-offs to loans | 3.7334% | 362 |
| Credit loss provision to net charge-offs | 161.8791% | 2,148 |
| Earnings coverage of net charge-offs (x) | -0.1183% | 6,236 |
| Efficiency ratio | 111.9177% | 506 |
| Assets per employee ($millions) | 14.6265% | 100 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5343% | 267 |
| Loan loss allowance to noncurrent loans | 24.5295% | 6,620 |
| Noncurrent assets plus other real estate owned to assets | 15.6173% | 145 |
| Noncurrent loans to loans | 18.4850% | 93 |
| Net loans and leases to total assets | 58.1901% | 4,999 |
| Net loans and leases to deposits | 61.1143% | 5,943 |
| Net loans and leases to core deposits | 70.8796% | 5,345 |
| Total domestic deposits to total assets | 95.2152% | 56 |
| Equity capital to assets | 4.5421% | 7,476 |
| Core capital (leverage) ratio | 4.4256% | 7,466 |
| Tier 1 risk-based capital ratio | 7.0086% | 7,422 |
| Total risk-based capital ratio | 8.2958% | 7,421 |
| Memoranda: | ||
| Average total assets | $944,190,800 | 711 |
| Average earning assets | $879,420,600 | 687 |
| Average equity | $66,964,200 | 1,001 |
| Average total loans | $596,396,200 | 747 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8770% | 7,357 |
| Cost of funding earning assets | 1.9120% | 993 |
| Net interest margin | 1.9650% | 7,586 |
| Noninterest income to average assets | 0.1031% | 7,033 |
| Noninterest expense to average assets | 1.9804% | 7,085 |
| Loan and lease loss provision to assets | 3.9990% | 162 |
| Net operating income to assets | -4.2717% | 7,592 |
| Return on assets (ROA) | -4.2717% | 7,603 |
| Pretax return on assets | -4.0440% | 7,563 |
| Return on Equity (ROE) | -55.6608% | 7,584 |
| Retained earnings to average equity (ytd only) | -55.6608% | 7,582 |
| Net charge-offs to loans | 4.3046% | 256 |
| Credit loss provision to net charge-offs | 145.9116% | 2,695 |
| Earnings coverage of net charge-offs (x) | -0.0164% | 6,043 |
| Efficiency ratio | 102.1652% | 681 |
| Assets per employee ($millions) | 13.5338% | 126 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4678% | 551 |
| Loan loss allowance to noncurrent loans | 29.3460% | 6,371 |
| Noncurrent assets plus other real estate owned to assets | 11.4039% | 306 |
| Noncurrent loans to loans | 11.8171% | 301 |
| Net loans and leases to total assets | 59.1180% | 5,080 |
| Net loans and leases to deposits | 62.8058% | 6,045 |
| Net loans and leases to core deposits | 72.3686% | 5,470 |
| Total domestic deposits to total assets | 94.1283% | 68 |
| Equity capital to assets | 5.6516% | 7,522 |
| Core capital (leverage) ratio | 5.1823% | 7,534 |
| Tier 1 risk-based capital ratio | 8.5911% | 7,425 |
| Total risk-based capital ratio | 9.8553% | 7,434 |
| Memoranda: | ||
| Average total assets | $960,840,750 | 693 |
| Average earning assets | $896,001,500 | 667 |
| Average equity | $73,740,000 | 897 |
| Average total loans | $611,763,750 | 726 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0101% | 7,357 |
| Cost of funding earning assets | 1.8592% | 1,384 |
| Net interest margin | 2.1509% | 7,602 |
| Noninterest income to average assets | 0.0788% | 7,193 |
| Noninterest expense to average assets | 1.8642% | 7,309 |
| Loan and lease loss provision to assets | 1.9422% | 632 |
| Net operating income to assets | -1.1363% | 7,004 |
| Return on assets (ROA) | -1.1363% | 7,020 |
| Pretax return on assets | -1.7170% | 7,152 |
| Return on Equity (ROE) | -13.6721% | 7,097 |
| Retained earnings to average equity (ytd only) | -13.6721% | 7,058 |
| Net charge-offs to loans | 1.9882% | 915 |
| Credit loss provision to net charge-offs | 151.6103% | 2,591 |
| Earnings coverage of net charge-offs (x) | 0.1758% | 5,545 |
| Efficiency ratio | 89.0755% | 1,407 |
| Assets per employee ($millions) | 13.3809% | 129 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2357% | 1,695 |
| Loan loss allowance to noncurrent loans | 29.2936% | 6,415 |
| Noncurrent assets plus other real estate owned to assets | 6.9324% | 766 |
| Noncurrent loans to loans | 7.6319% | 697 |
| Net loans and leases to total assets | 58.9027% | 5,265 |
| Net loans and leases to deposits | 63.8684% | 6,051 |
| Net loans and leases to core deposits | 79.2848% | 4,774 |
| Total domestic deposits to total assets | 92.2251% | 186 |
| Equity capital to assets | 7.5838% | 7,069 |
| Core capital (leverage) ratio | 7.4721% | 6,849 |
| Tier 1 risk-based capital ratio | 11.8942% | 5,408 |
| Total risk-based capital ratio | 13.1397% | 5,384 |
| Memoranda: | ||
| Average total assets | $974,355,000 | 677 |
| Average earning assets | $910,801,330 | 653 |
| Average equity | $80,982,670 | 807 |
| Average total loans | $627,816,000 | 716 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3598% | 7,053 |
| Cost of funding earning assets | 1.7829% | 1,950 |
| Net interest margin | 2.5769% | 7,410 |
| Noninterest income to average assets | 0.0697% | 7,364 |
| Noninterest expense to average assets | 1.5407% | 7,695 |
| Loan and lease loss provision to assets | 0.3068% | 3,586 |
| Net operating income to assets | 0.4273% | 4,721 |
| Return on assets (ROA) | 0.4273% | 4,856 |
| Pretax return on assets | 0.6224% | 4,518 |
| Return on Equity (ROE) | 4.9112% | 4,411 |
| Retained earnings to average equity (ytd only) | 4.9112% | 3,200 |
| Net charge-offs to loans | 0.1171% | 4,274 |
| Credit loss provision to net charge-offs | 393.0108% | 1,041 |
| Earnings coverage of net charge-offs (x) | 11.9032% | 1,608 |
| Efficiency ratio | 62.2600% | 5,782 |
| Assets per employee ($millions) | 13.6523% | 126 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7453% | 2,906 |
| Loan loss allowance to noncurrent loans | 54.7813% | 4,671 |
| Noncurrent assets plus other real estate owned to assets | 4.6542% | 1,426 |
| Noncurrent loans to loans | 3.1859% | 2,507 |
| Net loans and leases to total assets | 60.6017% | 5,020 |
| Net loans and leases to deposits | 66.1446% | 5,804 |
| Net loans and leases to core deposits | 80.8203% | 4,657 |
| Total domestic deposits to total assets | 91.6201% | 341 |
| Equity capital to assets | 8.1547% | 6,490 |
| Core capital (leverage) ratio | 8.9658% | 4,624 |
| Tier 1 risk-based capital ratio | 12.4366% | 4,806 |
| Total risk-based capital ratio | 13.6915% | 4,751 |
| Memoranda: | ||
| Average total assets | $953,060,000 | 710 |
| Average earning assets | $887,743,000 | 690 |
| Average equity | $82,912,500 | 799 |
| Average total loans | $635,371,000 | 720 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9506% | 6,583 |
| Cost of funding earning assets | 2.4235% | 1,232 |
| Net interest margin | 2.5272% | 7,399 |
| Noninterest income to average assets | -0.0017% | 7,712 |
| Noninterest expense to average assets | 2.6679% | 5,520 |
| Loan and lease loss provision to assets | 0.8894% | 2,522 |
| Net operating income to assets | -0.8117% | 6,443 |
| Return on assets (ROA) | -0.8117% | 6,443 |
| Pretax return on assets | -1.1964% | 6,539 |
| Return on Equity (ROE) | -8.2665% | 6,489 |
| Retained earnings to average equity (ytd only) | -8.2665% | 6,374 |
| Net charge-offs to loans | 0.7306% | 3,006 |
| Credit loss provision to net charge-offs | 155.8989% | 2,909 |
| Earnings coverage of net charge-offs (x) | -0.5381% | 6,712 |
| Efficiency ratio | 112.8582% | 746 |
| Assets per employee ($millions) | 11.7626% | 177 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6391% | 3,128 |
| Loan loss allowance to noncurrent loans | 33.0099% | 6,252 |
| Noncurrent assets plus other real estate owned to assets | 7.1654% | 696 |
| Noncurrent loans to loans | 4.9654% | 1,366 |
| Net loans and leases to total assets | 71.2684% | 2,934 |
| Net loans and leases to deposits | 78.8766% | 4,195 |
| Net loans and leases to core deposits | 136.8040% | 923 |
| Total domestic deposits to total assets | 90.3543% | 805 |
| Equity capital to assets | 9.3320% | 4,664 |
| Core capital (leverage) ratio | 9.1937% | 4,132 |
| Tier 1 risk-based capital ratio | 11.6528% | 5,248 |
| Total risk-based capital ratio | 12.7930% | 5,314 |
| Memoranda: | ||
| Average total assets | $873,594,800 | 774 |
| Average earning assets | $816,726,800 | 745 |
| Average equity | $85,780,400 | 745 |
| Average total loans | $682,205,200 | 684 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9430% | 6,787 |
| Cost of funding earning assets | 2.5956% | 1,043 |
| Net interest margin | 2.3474% | 7,604 |
| Noninterest income to average assets | 0.0725% | 7,550 |
| Noninterest expense to average assets | 2.2543% | 6,823 |
| Loan and lease loss provision to assets | 1.0783% | 1,807 |
| Net operating income to assets | -0.7326% | 6,631 |
| Return on assets (ROA) | -0.7326% | 6,648 |
| Pretax return on assets | -1.0586% | 6,725 |
| Return on Equity (ROE) | -7.3679% | 6,691 |
| Retained earnings to average equity (ytd only) | -7.3679% | 6,542 |
| Net charge-offs to loans | 0.4912% | 3,262 |
| Credit loss provision to net charge-offs | 276.0674% | 1,530 |
| Earnings coverage of net charge-offs (x) | 0.0505% | 6,001 |
| Efficiency ratio | 98.9841% | 1,114 |
| Assets per employee ($millions) | 11.7924% | 182 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7976% | 2,284 |
| Loan loss allowance to noncurrent loans | 47.4755% | 5,143 |
| Noncurrent assets plus other real estate owned to assets | 6.0844% | 874 |
| Noncurrent loans to loans | 3.7864% | 1,964 |
| Net loans and leases to total assets | 74.2804% | 2,450 |
| Net loans and leases to deposits | 82.2556% | 3,967 |
| Net loans and leases to core deposits | 138.0037% | 1,012 |
| Total domestic deposits to total assets | 90.3044% | 665 |
| Equity capital to assets | 9.4229% | 4,859 |
| Core capital (leverage) ratio | 9.4278% | 4,008 |
| Tier 1 risk-based capital ratio | 11.4501% | 5,479 |
| Total risk-based capital ratio | 12.7051% | 5,418 |
| Memoranda: | ||
| Average total assets | $871,444,250 | 791 |
| Average earning assets | $817,274,500 | 757 |
| Average equity | $86,643,750 | 748 |
| Average total loans | $692,955,250 | 688 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8936% | 7,045 |
| Cost of funding earning assets | 2.7300% | 962 |
| Net interest margin | 2.1637% | 7,771 |
| Noninterest income to average assets | 0.0806% | 7,577 |
| Noninterest expense to average assets | 2.0547% | 7,367 |
| Loan and lease loss provision to assets | 0.9773% | 1,728 |
| Net operating income to assets | -0.6393% | 6,697 |
| Return on assets (ROA) | -0.6393% | 6,699 |
| Pretax return on assets | -0.9171% | 6,759 |
| Return on Equity (ROE) | -6.3153% | 6,746 |
| Retained earnings to average equity (ytd only) | -6.3153% | 6,494 |
| Net charge-offs to loans | 0.2289% | 4,067 |
| Credit loss provision to net charge-offs | 527.9099% | 873 |
| Earnings coverage of net charge-offs (x) | 0.3254% | 5,349 |
| Efficiency ratio | 96.9873% | 1,311 |
| Assets per employee ($millions) | 12.2511% | 157 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5705% | 2,871 |
| Loan loss allowance to noncurrent loans | 37.1808% | 5,928 |
| Noncurrent assets plus other real estate owned to assets | 5.2592% | 970 |
| Noncurrent loans to loans | 4.2240% | 1,563 |
| Net loans and leases to total assets | 73.8136% | 2,755 |
| Net loans and leases to deposits | 81.5467% | 4,292 |
| Net loans and leases to core deposits | 160.8396% | 438 |
| Total domestic deposits to total assets | 90.5170% | 624 |
| Equity capital to assets | 9.1485% | 5,101 |
| Core capital (leverage) ratio | 9.1650% | 4,356 |
| Tier 1 risk-based capital ratio | 11.9303% | 4,976 |
| Total risk-based capital ratio | 13.1843% | 4,891 |
| Memoranda: | ||
| Average total assets | $863,184,330 | 817 |
| Average earning assets | $811,583,000 | 785 |
| Average equity | $87,375,000 | 757 |
| Average total loans | $697,972,000 | 702 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9672% | 7,019 |
| Cost of funding earning assets | 2.6711% | 1,340 |
| Net interest margin | 2.2961% | 7,717 |
| Noninterest income to average assets | 0.0744% | 7,679 |
| Noninterest expense to average assets | 2.2335% | 6,744 |
| Loan and lease loss provision to assets | 1.5138% | 829 |
| Net operating income to assets | -1.0788% | 7,299 |
| Return on assets (ROA) | -1.0788% | 7,311 |
| Pretax return on assets | -1.5249% | 7,372 |
| Return on Equity (ROE) | -10.1010% | 7,371 |
| Retained earnings to average equity (ytd only) | -10.1010% | 7,124 |
| Net charge-offs to loans | 0.0669% | 4,536 |
| Credit loss provision to net charge-offs | 2,685.3448% | 253 |
| Earnings coverage of net charge-offs (x) | -0.1983% | 5,130 |
| Efficiency ratio | 100.3499% | 1,115 |
| Assets per employee ($millions) | 11.8807% | 177 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5341% | 2,794 |
| Loan loss allowance to noncurrent loans | 60.7524% | 4,552 |
| Noncurrent assets plus other real estate owned to assets | 4.1706% | 1,208 |
| Noncurrent loans to loans | 2.5252% | 2,611 |
| Net loans and leases to total assets | 77.0011% | 2,041 |
| Net loans and leases to deposits | 85.5963% | 3,705 |
| Net loans and leases to core deposits | 172.3673% | 308 |
| Total domestic deposits to total assets | 89.9584% | 820 |
| Equity capital to assets | 9.7499% | 4,308 |
| Core capital (leverage) ratio | 11.1413% | 2,383 |
| Tier 1 risk-based capital ratio | 12.1345% | 4,838 |
| Total risk-based capital ratio | 13.3876% | 4,732 |
| Memoranda: | ||
| Average total assets | $823,111,000 | 855 |
| Average earning assets | $770,016,500 | 831 |
| Average equity | $87,912,000 | 753 |
| Average total loans | $693,249,500 | 720 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4781% | 3,071 |
| Cost of funding earning assets | 3.4225% | 672 |
| Net interest margin | 3.0557% | 6,775 |
| Noninterest income to average assets | 0.0642% | 7,827 |
| Noninterest expense to average assets | 2.3393% | 6,591 |
| Loan and lease loss provision to assets | 0.2667% | 4,266 |
| Net operating income to assets | 0.1999% | 5,846 |
| Return on assets (ROA) | 0.1999% | 5,665 |
| Pretax return on assets | 0.3391% | 5,418 |
| Return on Equity (ROE) | 1.6282% | 5,732 |
| Retained earnings to average equity (ytd only) | 0.5038% | 4,934 |
| Net charge-offs to loans | 0.1098% | 5,180 |
| Credit loss provision to net charge-offs | 263.5744% | 1,757 |
| Earnings coverage of net charge-offs (x) | 5.9864% | 3,471 |
| Efficiency ratio | 79.2903% | 2,707 |
| Assets per employee ($millions) | 10.0689% | 255 |
| Cash dividends to net income (ytd only)* | 69.0608% | 2,217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1151% | 5,162 |
| Loan loss allowance to noncurrent loans | 151.6663% | 2,440 |
| Noncurrent assets plus other real estate owned to assets | 3.2329% | 1,410 |
| Noncurrent loans to loans | 0.7353% | 5,191 |
| Net loans and leases to total assets | 90.3106% | 176 |
| Net loans and leases to deposits | 109.5092% | 869 |
| Net loans and leases to core deposits | 225.4502% | 99 |
| Total domestic deposits to total assets | 82.4685% | 4,010 |
| Equity capital to assets | 11.7785% | 2,449 |
| Core capital (leverage) ratio | 11.5795% | 2,206 |
| Tier 1 risk-based capital ratio | 13.4509% | 3,853 |
| Total risk-based capital ratio | 14.6216% | 3,793 |
| Memoranda: | ||
| Average total assets | $724,376,000 | 919 |
| Average earning assets | $682,930,200 | 895 |
| Average equity | $88,932,000 | 750 |
| Average total loans | $667,858,400 | 710 |