Home > Premier Service Bank > Performance and Condition Ratios
Premier Service Bank, Performance and Condition Ratios
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0355% | 3,963 |
| Cost of funding earning assets | 0.3596% | 5,054 |
| Net interest margin | 3.6759% | 3,148 |
| Noninterest income to average assets | 0.5025% | 3,741 |
| Noninterest expense to average assets | 3.9160% | 966 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | -0.0890% | 6,291 |
| Return on assets (ROA) | -0.0890% | 6,309 |
| Pretax return on assets | -0.0882% | 6,279 |
| Return on Equity (ROE) | -1.0699% | 6,331 |
| Retained earnings to average equity (ytd only) | -1.0699% | 6,074 |
| Net charge-offs to loans | 0.8325% | 740 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | -0.1973% | 5,145 |
| Efficiency ratio | 102.3051% | 416 |
| Assets per employee ($millions) | 3.8487% | 4,160 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5810% | 270 |
| Loan loss allowance to noncurrent loans | 57.1695% | 4,964 |
| Noncurrent assets plus other real estate owned to assets | 4.0755% | 642 |
| Noncurrent loans to loans | 6.2639% | 312 |
| Net loans and leases to total assets | 44.2181% | 5,656 |
| Net loans and leases to deposits | 49.3101% | 5,810 |
| Net loans and leases to core deposits | 49.8969% | 5,942 |
| Total domestic deposits to total assets | 89.6734% | 1,234 |
| Equity capital to assets | 8.0149% | 6,008 |
| Core capital (leverage) ratio | 8.0594% | 6,088 |
| Tier 1 risk-based capital ratio | 15.4689% | 3,393 |
| Total risk-based capital ratio | 16.7419% | 3,331 |
| Memoranda: | ||
| Average total assets | $130,335,600 | 4,065 |
| Average earning assets | $117,904,400 | 4,089 |
| Average equity | $10,841,800 | 4,668 |
| Average total loans | $70,030,200 | 4,266 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1374% | 3,611 |
| Cost of funding earning assets | 0.3792% | 5,009 |
| Net interest margin | 3.7581% | 2,810 |
| Noninterest income to average assets | 0.5560% | 3,418 |
| Noninterest expense to average assets | 3.8390% | 1,038 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.1157% | 6,109 |
| Return on assets (ROA) | 0.1157% | 6,177 |
| Pretax return on assets | 0.1167% | 6,194 |
| Return on Equity (ROE) | 1.3784% | 6,102 |
| Retained earnings to average equity (ytd only) | 1.3784% | 5,432 |
| Net charge-offs to loans | 0.5514% | 1,153 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 0.3800% | 4,738 |
| Efficiency ratio | 97.0489% | 572 |
| Assets per employee ($millions) | 3.8921% | 4,051 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7073% | 285 |
| Loan loss allowance to noncurrent loans | 44.6320% | 5,454 |
| Noncurrent assets plus other real estate owned to assets | 4.6622% | 628 |
| Noncurrent loans to loans | 8.3064% | 210 |
| Net loans and leases to total assets | 49.1817% | 5,229 |
| Net loans and leases to deposits | 55.0340% | 5,453 |
| Net loans and leases to core deposits | 55.7022% | 5,650 |
| Total domestic deposits to total assets | 89.3661% | 1,377 |
| Equity capital to assets | 8.3503% | 5,875 |
| Core capital (leverage) ratio | 8.3528% | 5,915 |
| Tier 1 risk-based capital ratio | 14.8727% | 3,832 |
| Total risk-based capital ratio | 16.1489% | 3,767 |
| Memoranda: | ||
| Average total assets | $130,205,500 | 4,110 |
| Average earning assets | $117,785,750 | 4,130 |
| Average equity | $10,930,250 | 4,702 |
| Average total loans | $72,535,000 | 4,207 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2625% | 3,110 |
| Cost of funding earning assets | 0.3966% | 4,974 |
| Net interest margin | 3.8659% | 2,322 |
| Noninterest income to average assets | 0.8165% | 2,124 |
| Noninterest expense to average assets | 3.8060% | 1,086 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.4970% | 4,812 |
| Return on assets (ROA) | 0.4970% | 4,988 |
| Pretax return on assets | 0.4985% | 5,386 |
| Return on Equity (ROE) | 5.9098% | 4,227 |
| Retained earnings to average equity (ytd only) | 5.9098% | 2,487 |
| Net charge-offs to loans | 0.5531% | 1,194 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 1.5749% | 4,003 |
| Efficiency ratio | 88.4192% | 1,185 |
| Assets per employee ($millions) | 3.6858% | 4,426 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7180% | 314 |
| Loan loss allowance to noncurrent loans | 46.1103% | 5,372 |
| Noncurrent assets plus other real estate owned to assets | 4.9782% | 620 |
| Noncurrent loans to loans | 8.0634% | 254 |
| Net loans and leases to total assets | 50.6868% | 5,035 |
| Net loans and leases to deposits | 58.9662% | 5,075 |
| Net loans and leases to core deposits | 59.8552% | 5,270 |
| Total domestic deposits to total assets | 85.9591% | 3,392 |
| Equity capital to assets | 8.5696% | 5,696 |
| Core capital (leverage) ratio | 8.6086% | 5,545 |
| Tier 1 risk-based capital ratio | 15.0482% | 3,749 |
| Total risk-based capital ratio | 16.3252% | 3,694 |
| Memoranda: | ||
| Average total assets | $130,794,670 | 4,122 |
| Average earning assets | $118,006,330 | 4,157 |
| Average equity | $10,998,670 | 4,722 |
| Average total loans | $74,846,670 | 4,140 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5450% | 2,007 |
| Cost of funding earning assets | 0.4251% | 4,862 |
| Net interest margin | 4.1199% | 1,404 |
| Noninterest income to average assets | 1.2423% | 990 |
| Noninterest expense to average assets | 3.8970% | 1,000 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.0540% | 2,021 |
| Return on assets (ROA) | 1.0540% | 2,132 |
| Pretax return on assets | 1.0540% | 3,129 |
| Return on Equity (ROE) | 12.6521% | 1,254 |
| Retained earnings to average equity (ytd only) | 12.6521% | 602 |
| Net charge-offs to loans | 1.1799% | 496 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 1.5022% | 3,329 |
| Efficiency ratio | 78.7117% | 2,502 |
| Assets per employee ($millions) | 3.9808% | 3,990 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3894% | 464 |
| Loan loss allowance to noncurrent loans | 73.9362% | 4,176 |
| Noncurrent assets plus other real estate owned to assets | 3.5146% | 1,207 |
| Noncurrent loans to loans | 4.5842% | 898 |
| Net loans and leases to total assets | 54.2880% | 4,359 |
| Net loans and leases to deposits | 65.8516% | 4,073 |
| Net loans and leases to core deposits | 66.8661% | 4,427 |
| Total domestic deposits to total assets | 82.4399% | 5,047 |
| Equity capital to assets | 8.4809% | 6,037 |
| Core capital (leverage) ratio | 8.3950% | 5,716 |
| Tier 1 risk-based capital ratio | 14.0757% | 4,456 |
| Total risk-based capital ratio | 15.3503% | 4,391 |
| Memoranda: | ||
| Average total assets | $131,691,000 | 4,143 |
| Average earning assets | $118,548,000 | 4,185 |
| Average equity | $10,970,500 | 4,776 |
| Average total loans | $78,314,000 | 4,059 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3766% | 795 |
| Cost of funding earning assets | 0.5959% | 4,396 |
| Net interest margin | 4.7808% | 562 |
| Noninterest income to average assets | 0.0153% | 6,787 |
| Noninterest expense to average assets | 4.0040% | 970 |
| Loan and lease loss provision to assets | 0.1636% | 3,568 |
| Net operating income to assets | 0.1105% | 5,994 |
| Return on assets (ROA) | 0.1105% | 6,133 |
| Pretax return on assets | 0.1112% | 6,141 |
| Return on Equity (ROE) | 1.4408% | 6,032 |
| Retained earnings to average equity (ytd only) | 1.4408% | 5,152 |
| Net charge-offs to loans | -0.1583% | 6,905 |
| Credit loss provision to net charge-offs | -151.0067% | 6,366 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.5780% | 824 |
| Assets per employee ($millions) | 4.1255% | 3,696 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3003% | 507 |
| Loan loss allowance to noncurrent loans | 78.4218% | 3,966 |
| Noncurrent assets plus other real estate owned to assets | 4.6055% | 888 |
| Noncurrent loans to loans | 4.2084% | 1,075 |
| Net loans and leases to total assets | 60.6570% | 3,479 |
| Net loans and leases to deposits | 73.2782% | 3,213 |
| Net loans and leases to core deposits | 74.3940% | 3,731 |
| Total domestic deposits to total assets | 82.7763% | 4,812 |
| Equity capital to assets | 8.1808% | 6,298 |
| Core capital (leverage) ratio | 7.6886% | 6,411 |
| Tier 1 risk-based capital ratio | 12.1452% | 5,689 |
| Total risk-based capital ratio | 13.4182% | 5,632 |
| Memoranda: | ||
| Average total assets | $137,563,200 | 3,994 |
| Average earning assets | $122,679,000 | 4,047 |
| Average equity | $10,549,600 | 4,857 |
| Average total loans | $94,110,400 | 3,655 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4540% | 751 |
| Cost of funding earning assets | 0.6354% | 4,313 |
| Net interest margin | 4.8185% | 546 |
| Noninterest income to average assets | -0.1497% | 7,053 |
| Noninterest expense to average assets | 4.1146% | 809 |
| Loan and lease loss provision to assets | 0.2159% | 2,902 |
| Net operating income to assets | -0.1871% | 6,490 |
| Return on assets (ROA) | -0.1871% | 6,563 |
| Pretax return on assets | -0.1871% | 6,538 |
| Return on Equity (ROE) | -2.4792% | 6,600 |
| Retained earnings to average equity (ytd only) | -2.4792% | 6,444 |
| Net charge-offs to loans | -0.4209% | 7,084 |
| Credit loss provision to net charge-offs | -73.5294% | 6,215 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.3052% | 560 |
| Assets per employee ($millions) | 4.1938% | 3,485 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2293% | 587 |
| Loan loss allowance to noncurrent loans | 54.4035% | 4,915 |
| Noncurrent assets plus other real estate owned to assets | 5.4459% | 786 |
| Noncurrent loans to loans | 5.9358% | 695 |
| Net loans and leases to total assets | 62.5982% | 3,282 |
| Net loans and leases to deposits | 74.7328% | 3,180 |
| Net loans and leases to core deposits | 75.8019% | 3,753 |
| Total domestic deposits to total assets | 83.7627% | 4,334 |
| Equity capital to assets | 7.5609% | 6,761 |
| Core capital (leverage) ratio | 7.4807% | 6,631 |
| Tier 1 risk-based capital ratio | 10.8762% | 6,530 |
| Total risk-based capital ratio | 12.1483% | 6,504 |
| Memoranda: | ||
| Average total assets | $138,950,000 | 4,007 |
| Average earning assets | $123,796,250 | 4,064 |
| Average equity | $10,487,000 | 4,919 |
| Average total loans | $96,935,500 | 3,637 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5458% | 651 |
| Cost of funding earning assets | 0.6524% | 4,423 |
| Net interest margin | 4.8935% | 478 |
| Noninterest income to average assets | -0.2559% | 7,147 |
| Noninterest expense to average assets | 4.2994% | 651 |
| Loan and lease loss provision to assets | 0.3234% | 2,037 |
| Net operating income to assets | -0.5117% | 6,737 |
| Return on assets (ROA) | -0.5117% | 6,775 |
| Pretax return on assets | -0.5117% | 6,746 |
| Return on Equity (ROE) | -6.7844% | 6,824 |
| Retained earnings to average equity (ytd only) | -6.7844% | 6,712 |
| Net charge-offs to loans | -0.6499% | 7,155 |
| Credit loss provision to net charge-offs | -69.6594% | 6,033 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.5804% | 424 |
| Assets per employee ($millions) | 3.9190% | 4,036 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0313% | 756 |
| Loan loss allowance to noncurrent loans | 53.1250% | 4,944 |
| Noncurrent assets plus other real estate owned to assets | 6.3143% | 659 |
| Noncurrent loans to loans | 5.7059% | 795 |
| Net loans and leases to total assets | 67.7977% | 2,313 |
| Net loans and leases to deposits | 84.5631% | 1,781 |
| Net loans and leases to core deposits | 85.5991% | 2,476 |
| Total domestic deposits to total assets | 80.1741% | 5,698 |
| Equity capital to assets | 7.5151% | 6,795 |
| Core capital (leverage) ratio | 7.3907% | 6,672 |
| Tier 1 risk-based capital ratio | 9.9956% | 6,828 |
| Total risk-based capital ratio | 11.2652% | 6,803 |
| Memoranda: | ||
| Average total assets | $139,134,330 | 4,030 |
| Average earning assets | $124,165,000 | 4,072 |
| Average equity | $10,494,670 | 4,912 |
| Average total loans | $99,405,670 | 3,590 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6516% | 569 |
| Cost of funding earning assets | 0.6649% | 4,581 |
| Net interest margin | 4.9867% | 408 |
| Noninterest income to average assets | 0.3226% | 5,294 |
| Noninterest expense to average assets | 4.6760% | 468 |
| Loan and lease loss provision to assets | 0.6423% | 857 |
| Net operating income to assets | -0.5424% | 6,849 |
| Return on assets (ROA) | -0.5424% | 6,877 |
| Pretax return on assets | -0.5424% | 6,847 |
| Return on Equity (ROE) | -7.1779% | 6,925 |
| Retained earnings to average equity (ytd only) | -7.1779% | 6,724 |
| Net charge-offs to loans | -0.6485% | 7,172 |
| Credit loss provision to net charge-offs | -137.1951% | 5,537 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.9079% | 639 |
| Assets per employee ($millions) | 3.7563% | 4,525 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7801% | 1,028 |
| Loan loss allowance to noncurrent loans | 50.1826% | 5,068 |
| Noncurrent assets plus other real estate owned to assets | 6.0806% | 769 |
| Noncurrent loans to loans | 5.5399% | 959 |
| Net loans and leases to total assets | 69.1437% | 1,923 |
| Net loans and leases to deposits | 86.0592% | 1,414 |
| Net loans and leases to core deposits | 87.3348% | 2,131 |
| Total domestic deposits to total assets | 80.3444% | 5,767 |
| Equity capital to assets | 7.5484% | 6,759 |
| Core capital (leverage) ratio | 7.4175% | 6,682 |
| Tier 1 risk-based capital ratio | 9.8229% | 6,911 |
| Total risk-based capital ratio | 11.0901% | 6,908 |
| Memoranda: | ||
| Average total assets | $140,119,500 | 4,031 |
| Average earning assets | $125,133,000 | 4,082 |
| Average equity | $10,588,000 | 4,909 |
| Average total loans | $101,158,000 | 3,565 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6033% | 949 |
| Cost of funding earning assets | 0.7407% | 5,276 |
| Net interest margin | 4.8626% | 555 |
| Noninterest income to average assets | 0.0666% | 6,765 |
| Noninterest expense to average assets | 4.0298% | 1,000 |
| Loan and lease loss provision to assets | 1.8797% | 340 |
| Net operating income to assets | -1.4707% | 6,900 |
| Return on assets (ROA) | -1.4707% | 6,922 |
| Pretax return on assets | -1.4707% | 6,890 |
| Return on Equity (ROE) | -18.5295% | 6,965 |
| Retained earnings to average equity (ytd only) | -18.5295% | 6,950 |
| Net charge-offs to loans | 2.6897% | 403 |
| Credit loss provision to net charge-offs | 93.6327% | 3,850 |
| Earnings coverage of net charge-offs (x) | 0.2038% | 5,678 |
| Efficiency ratio | 90.7851% | 1,135 |
| Assets per employee ($millions) | 3.8177% | 4,280 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2799% | 1,655 |
| Loan loss allowance to noncurrent loans | 26.4255% | 6,380 |
| Noncurrent assets plus other real estate owned to assets | 8.3919% | 455 |
| Noncurrent loans to loans | 8.6276% | 428 |
| Net loans and leases to total assets | 71.5800% | 1,720 |
| Net loans and leases to deposits | 90.4724% | 1,099 |
| Net loans and leases to core deposits | 91.8089% | 1,906 |
| Total domestic deposits to total assets | 79.1181% | 5,968 |
| Equity capital to assets | 7.5643% | 6,784 |
| Core capital (leverage) ratio | 7.2085% | 6,786 |
| Tier 1 risk-based capital ratio | 9.5212% | 6,959 |
| Total risk-based capital ratio | 10.7823% | 6,950 |
| Memoranda: | ||
| Average total assets | $148,641,400 | 3,827 |
| Average earning assets | $133,652,600 | 3,858 |
| Average equity | $11,797,400 | 4,600 |
| Average total loans | $110,941,400 | 3,357 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6450% | 950 |
| Cost of funding earning assets | 0.7553% | 5,432 |
| Net interest margin | 4.8897% | 523 |
| Noninterest income to average assets | 0.5201% | 3,724 |
| Noninterest expense to average assets | 4.4663% | 596 |
| Loan and lease loss provision to assets | 1.6692% | 378 |
| Net operating income to assets | -1.2103% | 6,963 |
| Return on assets (ROA) | -1.2103% | 6,984 |
| Pretax return on assets | -1.2103% | 6,946 |
| Return on Equity (ROE) | -15.0825% | 7,018 |
| Retained earnings to average equity (ytd only) | -15.0825% | 6,993 |
| Net charge-offs to loans | 1.5412% | 932 |
| Credit loss provision to net charge-offs | 144.4785% | 2,198 |
| Earnings coverage of net charge-offs (x) | 0.3972% | 5,320 |
| Efficiency ratio | 90.6818% | 1,127 |
| Assets per employee ($millions) | 4.1453% | 3,552 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8658% | 964 |
| Loan loss allowance to noncurrent loans | 32.6348% | 6,102 |
| Noncurrent assets plus other real estate owned to assets | 8.8121% | 459 |
| Noncurrent loans to loans | 8.7815% | 466 |
| Net loans and leases to total assets | 73.1218% | 1,485 |
| Net loans and leases to deposits | 94.0964% | 828 |
| Net loans and leases to core deposits | 95.4707% | 1,654 |
| Total domestic deposits to total assets | 77.7095% | 6,251 |
| Equity capital to assets | 7.9416% | 6,731 |
| Core capital (leverage) ratio | 7.8640% | 6,517 |
| Tier 1 risk-based capital ratio | 9.8820% | 6,986 |
| Total risk-based capital ratio | 11.1507% | 6,968 |
| Memoranda: | ||
| Average total assets | $150,487,750 | 3,816 |
| Average earning assets | $135,573,750 | 3,847 |
| Average equity | $12,075,500 | 4,548 |
| Average total loans | $112,809,250 | 3,355 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6729% | 923 |
| Cost of funding earning assets | 0.7803% | 5,511 |
| Net interest margin | 4.8927% | 498 |
| Noninterest income to average assets | 0.5765% | 3,290 |
| Noninterest expense to average assets | 4.4862% | 601 |
| Loan and lease loss provision to assets | 2.1131% | 281 |
| Net operating income to assets | -1.6088% | 7,129 |
| Return on assets (ROA) | -1.6088% | 7,139 |
| Pretax return on assets | -1.6088% | 7,100 |
| Return on Equity (ROE) | -19.9837% | 7,153 |
| Retained earnings to average equity (ytd only) | -19.9837% | 7,137 |
| Net charge-offs to loans | 2.3771% | 523 |
| Credit loss provision to net charge-offs | 118.7454% | 2,590 |
| Earnings coverage of net charge-offs (x) | 0.2834% | 5,097 |
| Efficiency ratio | 89.8947% | 1,247 |
| Assets per employee ($millions) | 4.3138% | 3,145 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5192% | 1,420 |
| Loan loss allowance to noncurrent loans | 44.4286% | 5,353 |
| Noncurrent assets plus other real estate owned to assets | 7.0533% | 719 |
| Noncurrent loans to loans | 5.6701% | 1,093 |
| Net loans and leases to total assets | 73.9521% | 1,427 |
| Net loans and leases to deposits | 94.9099% | 811 |
| Net loans and leases to core deposits | 95.7621% | 1,707 |
| Total domestic deposits to total assets | 77.9182% | 6,302 |
| Equity capital to assets | 7.9479% | 6,714 |
| Core capital (leverage) ratio | 7.7286% | 6,563 |
| Tier 1 risk-based capital ratio | 9.6574% | 7,073 |
| Total risk-based capital ratio | 10.9214% | 7,072 |
| Memoranda: | ||
| Average total assets | $152,289,000 | 3,813 |
| Average earning assets | $137,389,670 | 3,829 |
| Average equity | $12,260,000 | 4,490 |
| Average total loans | $114,006,330 | 3,358 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4937% | 1,320 |
| Cost of funding earning assets | 0.8277% | 5,410 |
| Net interest margin | 4.6659% | 757 |
| Noninterest income to average assets | 0.4591% | 4,195 |
| Noninterest expense to average assets | 4.3662% | 681 |
| Loan and lease loss provision to assets | 1.8698% | 304 |
| Net operating income to assets | -1.5319% | 7,210 |
| Return on assets (ROA) | -1.5319% | 7,212 |
| Pretax return on assets | -1.5319% | 7,171 |
| Return on Equity (ROE) | -18.9149% | 7,206 |
| Retained earnings to average equity (ytd only) | -18.9149% | 7,136 |
| Net charge-offs to loans | 2.4754% | 468 |
| Credit loss provision to net charge-offs | 101.5406% | 2,603 |
| Earnings coverage of net charge-offs (x) | 0.1835% | 4,472 |
| Efficiency ratio | 92.8180% | 1,108 |
| Assets per employee ($millions) | 3.9553% | 3,931 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2586% | 1,841 |
| Loan loss allowance to noncurrent loans | 31.8216% | 6,187 |
| Noncurrent assets plus other real estate owned to assets | 7.7630% | 624 |
| Noncurrent loans to loans | 7.0976% | 766 |
| Net loans and leases to total assets | 71.8476% | 1,750 |
| Net loans and leases to deposits | 90.6259% | 1,169 |
| Net loans and leases to core deposits | 91.7695% | 2,157 |
| Total domestic deposits to total assets | 79.2794% | 6,124 |
| Equity capital to assets | 7.9510% | 6,542 |
| Core capital (leverage) ratio | 7.8716% | 6,394 |
| Tier 1 risk-based capital ratio | 10.0045% | 7,004 |
| Total risk-based capital ratio | 11.2657% | 6,995 |
| Memoranda: | ||
| Average total assets | $155,099,500 | 3,791 |
| Average earning assets | $141,107,500 | 3,800 |
| Average equity | $12,561,500 | 4,425 |
| Average total loans | $115,376,000 | 3,359 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0261% | 805 |
| Cost of funding earning assets | 1.0591% | 5,373 |
| Net interest margin | 4.9669% | 467 |
| Noninterest income to average assets | 0.4420% | 4,581 |
| Noninterest expense to average assets | 4.0807% | 1,050 |
| Loan and lease loss provision to assets | 2.5361% | 432 |
| Net operating income to assets | -2.0600% | 7,075 |
| Return on assets (ROA) | -2.0600% | 7,084 |
| Pretax return on assets | -1.7419% | 6,941 |
| Return on Equity (ROE) | -22.3083% | 7,081 |
| Retained earnings to average equity (ytd only) | -22.6849% | 7,065 |
| Net charge-offs to loans | 2.7150% | 667 |
| Credit loss provision to net charge-offs | 119.3040% | 3,554 |
| Earnings coverage of net charge-offs (x) | 0.3736% | 5,734 |
| Efficiency ratio | 83.7095% | 1,954 |
| Assets per employee ($millions) | 3.8986% | 4,007 |
| Cash dividends to net income (ytd only)* | -1.6882% | 7,429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1719% | 1,921 |
| Loan loss allowance to noncurrent loans | 31.0551% | 6,226 |
| Noncurrent assets plus other real estate owned to assets | 6.4595% | 880 |
| Noncurrent loans to loans | 6.9938% | 806 |
| Net loans and leases to total assets | 73.6248% | 1,743 |
| Net loans and leases to deposits | 93.0428% | 1,140 |
| Net loans and leases to core deposits | 94.2024% | 2,232 |
| Total domestic deposits to total assets | 79.1301% | 6,055 |
| Equity capital to assets | 8.2454% | 6,211 |
| Core capital (leverage) ratio | 8.0540% | 6,114 |
| Tier 1 risk-based capital ratio | 10.3830% | 6,774 |
| Total risk-based capital ratio | 11.6433% | 6,752 |
| Memoranda: | ||
| Average total assets | $158,158,800 | 3,734 |
| Average earning assets | $141,153,400 | 3,792 |
| Average equity | $14,604,400 | 4,011 |
| Average total loans | $123,830,200 | 3,239 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1129% | 741 |
| Cost of funding earning assets | 1.1072% | 5,386 |
| Net interest margin | 5.0057% | 440 |
| Noninterest income to average assets | 0.4511% | 4,552 |
| Noninterest expense to average assets | 4.0407% | 1,000 |
| Loan and lease loss provision to assets | 2.5631% | 401 |
| Net operating income to assets | -2.1430% | 7,275 |
| Return on assets (ROA) | -2.1430% | 7,289 |
| Pretax return on assets | -1.7205% | 7,113 |
| Return on Equity (ROE) | -22.6132% | 7,270 |
| Retained earnings to average equity (ytd only) | -23.1007% | 7,267 |
| Net charge-offs to loans | 2.1235% | 870 |
| Credit loss provision to net charge-offs | 152.7027% | 2,534 |
| Earnings coverage of net charge-offs (x) | 0.5020% | 5,518 |
| Efficiency ratio | 82.7456% | 1,978 |
| Assets per employee ($millions) | 3.8390% | 4,166 |
| Cash dividends to net income (ytd only)* | -2.1560% | 7,589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4240% | 1,443 |
| Loan loss allowance to noncurrent loans | 30.6415% | 6,301 |
| Noncurrent assets plus other real estate owned to assets | 6.8584% | 795 |
| Noncurrent loans to loans | 7.9108% | 663 |
| Net loans and leases to total assets | 75.4967% | 1,495 |
| Net loans and leases to deposits | 95.7496% | 1,012 |
| Net loans and leases to core deposits | 96.9313% | 2,154 |
| Total domestic deposits to total assets | 78.8480% | 6,056 |
| Equity capital to assets | 8.6538% | 6,092 |
| Core capital (leverage) ratio | 8.5744% | 5,381 |
| Tier 1 risk-based capital ratio | 10.6329% | 6,685 |
| Total risk-based capital ratio | 11.8969% | 6,665 |
| Memoranda: | ||
| Average total assets | $158,713,000 | 3,783 |
| Average earning assets | $140,530,500 | 3,859 |
| Average equity | $15,041,000 | 3,979 |
| Average total loans | $125,447,500 | 3,257 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2834% | 530 |
| Cost of funding earning assets | 1.1685% | 5,294 |
| Net interest margin | 5.1149% | 331 |
| Noninterest income to average assets | 0.4637% | 4,407 |
| Noninterest expense to average assets | 4.1194% | 895 |
| Loan and lease loss provision to assets | 3.5890% | 241 |
| Net operating income to assets | -2.7571% | 7,470 |
| Return on assets (ROA) | -2.7571% | 7,480 |
| Pretax return on assets | -2.7559% | 7,427 |
| Return on Equity (ROE) | -28.2835% | 7,414 |
| Retained earnings to average equity (ytd only) | -28.9926% | 7,407 |
| Net charge-offs to loans | 2.6778% | 616 |
| Credit loss provision to net charge-offs | 168.3962% | 2,332 |
| Earnings coverage of net charge-offs (x) | 0.3909% | 5,346 |
| Efficiency ratio | 83.1769% | 2,019 |
| Assets per employee ($millions) | 3.7105% | 4,443 |
| Cash dividends to net income (ytd only)* | -2.5068% | 7,682 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4664% | 1,343 |
| Loan loss allowance to noncurrent loans | 46.4340% | 5,201 |
| Noncurrent assets plus other real estate owned to assets | 5.0256% | 1,277 |
| Noncurrent loans to loans | 5.3117% | 1,266 |
| Net loans and leases to total assets | 77.6459% | 1,172 |
| Net loans and leases to deposits | 97.5115% | 922 |
| Net loans and leases to core deposits | 98.7103% | 2,152 |
| Total domestic deposits to total assets | 79.6274% | 5,850 |
| Equity capital to assets | 8.9924% | 5,460 |
| Core capital (leverage) ratio | 8.6121% | 5,215 |
| Tier 1 risk-based capital ratio | 10.5994% | 6,608 |
| Total risk-based capital ratio | 11.8637% | 6,598 |
| Memoranda: | ||
| Average total assets | $159,151,000 | 3,806 |
| Average earning assets | $139,669,330 | 3,911 |
| Average equity | $15,514,330 | 3,890 |
| Average total loans | $126,669,000 | 3,265 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2539% | 575 |
| Cost of funding earning assets | 1.2109% | 5,339 |
| Net interest margin | 5.0430% | 381 |
| Noninterest income to average assets | 0.4851% | 4,158 |
| Noninterest expense to average assets | 3.9153% | 1,151 |
| Loan and lease loss provision to assets | 0.8457% | 1,501 |
| Net operating income to assets | 0.0448% | 6,175 |
| Return on assets (ROA) | 0.0448% | 6,287 |
| Pretax return on assets | 0.1269% | 6,067 |
| Return on Equity (ROE) | 0.4427% | 6,290 |
| Retained earnings to average equity (ytd only) | 0.4427% | 5,657 |
| Net charge-offs to loans | 0.1625% | 3,947 |
| Credit loss provision to net charge-offs | 653.8462% | 669 |
| Earnings coverage of net charge-offs (x) | 7.5192% | 2,079 |
| Efficiency ratio | 80.1018% | 2,553 |
| Assets per employee ($millions) | 3.9478% | 3,999 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7118% | 3,019 |
| Loan loss allowance to noncurrent loans | 26.1004% | 6,665 |
| Noncurrent assets plus other real estate owned to assets | 6.2181% | 944 |
| Noncurrent loans to loans | 6.5585% | 948 |
| Net loans and leases to total assets | 79.5586% | 897 |
| Net loans and leases to deposits | 99.6889% | 776 |
| Net loans and leases to core deposits | 101.2533% | 2,000 |
| Total domestic deposits to total assets | 79.8069% | 5,853 |
| Equity capital to assets | 10.3084% | 3,465 |
| Core capital (leverage) ratio | 10.0536% | 3,097 |
| Tier 1 risk-based capital ratio | 11.9126% | 5,288 |
| Total risk-based capital ratio | 13.1678% | 5,237 |
| Memoranda: | ||
| Average total assets | $160,805,500 | 3,827 |
| Average earning assets | $140,391,500 | 3,957 |
| Average equity | $16,264,500 | 3,785 |
| Average total loans | $127,971,000 | 3,302 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4131% | 808 |
| Cost of funding earning assets | 1.6655% | 4,698 |
| Net interest margin | 4.7476% | 767 |
| Noninterest income to average assets | 0.4791% | 4,575 |
| Noninterest expense to average assets | 4.0958% | 1,239 |
| Loan and lease loss provision to assets | 1.1667% | 1,966 |
| Net operating income to assets | -0.6064% | 6,277 |
| Return on assets (ROA) | -0.6064% | 6,272 |
| Pretax return on assets | -0.6058% | 6,101 |
| Return on Equity (ROE) | -6.0212% | 6,302 |
| Retained earnings to average equity (ytd only) | -6.0212% | 6,147 |
| Net charge-offs to loans | 1.2429% | 1,986 |
| Credit loss provision to net charge-offs | 119.4125% | 4,494 |
| Earnings coverage of net charge-offs (x) | 0.5741% | 5,531 |
| Efficiency ratio | 87.9555% | 1,884 |
| Assets per employee ($millions) | 3.8976% | 4,027 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4829% | 3,817 |
| Loan loss allowance to noncurrent loans | 25.4045% | 6,770 |
| Noncurrent assets plus other real estate owned to assets | 5.0714% | 1,205 |
| Noncurrent loans to loans | 5.8374% | 1,077 |
| Net loans and leases to total assets | 77.1058% | 1,564 |
| Net loans and leases to deposits | 99.5497% | 945 |
| Net loans and leases to core deposits | 104.4114% | 3,523 |
| Total domestic deposits to total assets | 77.4546% | 6,355 |
| Equity capital to assets | 9.9272% | 3,866 |
| Core capital (leverage) ratio | 9.6936% | 3,469 |
| Tier 1 risk-based capital ratio | 11.6295% | 5,262 |
| Total risk-based capital ratio | 12.8817% | 5,219 |
| Memoranda: | ||
| Average total assets | $160,285,000 | 3,770 |
| Average earning assets | $141,039,400 | 3,878 |
| Average equity | $16,143,000 | 3,844 |
| Average total loans | $125,998,600 | 3,352 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4824% | 779 |
| Cost of funding earning assets | 1.7224% | 4,788 |
| Net interest margin | 4.7600% | 738 |
| Noninterest income to average assets | 0.4717% | 4,739 |
| Noninterest expense to average assets | 4.0961% | 1,155 |
| Loan and lease loss provision to assets | 0.7108% | 2,597 |
| Net operating income to assets | -0.1263% | 5,936 |
| Return on assets (ROA) | -0.1263% | 5,963 |
| Pretax return on assets | -0.1129% | 5,861 |
| Return on Equity (ROE) | -1.2493% | 5,975 |
| Retained earnings to average equity (ytd only) | -1.2493% | 5,545 |
| Net charge-offs to loans | 1.3018% | 1,570 |
| Credit loss provision to net charge-offs | 69.3878% | 5,992 |
| Earnings coverage of net charge-offs (x) | 0.5837% | 5,449 |
| Efficiency ratio | 87.2617% | 1,939 |
| Assets per employee ($millions) | 3.8491% | 4,080 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9725% | 6,426 |
| Loan loss allowance to noncurrent loans | 24.1019% | 6,838 |
| Noncurrent assets plus other real estate owned to assets | 3.8624% | 1,662 |
| Noncurrent loans to loans | 4.0350% | 1,818 |
| Net loans and leases to total assets | 76.9085% | 1,802 |
| Net loans and leases to deposits | 100.4719% | 1,066 |
| Net loans and leases to core deposits | 106.2476% | 3,676 |
| Total domestic deposits to total assets | 76.5472% | 6,458 |
| Equity capital to assets | 10.5635% | 3,438 |
| Core capital (leverage) ratio | 10.2383% | 3,030 |
| Tier 1 risk-based capital ratio | 12.4621% | 4,574 |
| Total risk-based capital ratio | 13.3942% | 4,793 |
| Memoranda: | ||
| Average total assets | $159,431,000 | 3,803 |
| Average earning assets | $141,424,750 | 3,902 |
| Average equity | $16,116,000 | 3,885 |
| Average total loans | $125,467,500 | 3,395 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4835% | 852 |
| Cost of funding earning assets | 1.7453% | 5,045 |
| Net interest margin | 4.7382% | 749 |
| Noninterest income to average assets | 0.4600% | 4,777 |
| Noninterest expense to average assets | 4.2776% | 977 |
| Loan and lease loss provision to assets | 0.7499% | 2,188 |
| Net operating income to assets | -0.3163% | 6,342 |
| Return on assets (ROA) | -0.3163% | 6,358 |
| Pretax return on assets | -0.3554% | 6,285 |
| Return on Equity (ROE) | -3.1781% | 6,384 |
| Retained earnings to average equity (ytd only) | -3.1781% | 6,000 |
| Net charge-offs to loans | 0.0574% | 5,695 |
| Credit loss provision to net charge-offs | 1,652.7778% | 312 |
| Earnings coverage of net charge-offs (x) | 8.6944% | 2,228 |
| Efficiency ratio | 91.5565% | 1,673 |
| Assets per employee ($millions) | 3.4220% | 5,016 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6876% | 2,388 |
| Loan loss allowance to noncurrent loans | 40.0558% | 5,709 |
| Noncurrent assets plus other real estate owned to assets | 3.6236% | 1,707 |
| Noncurrent loans to loans | 4.2132% | 1,566 |
| Net loans and leases to total assets | 76.4289% | 2,073 |
| Net loans and leases to deposits | 101.6461% | 1,104 |
| Net loans and leases to core deposits | 107.9228% | 3,620 |
| Total domestic deposits to total assets | 75.1912% | 6,722 |
| Equity capital to assets | 10.3120% | 3,606 |
| Core capital (leverage) ratio | 10.5324% | 2,783 |
| Tier 1 risk-based capital ratio | 12.2246% | 4,736 |
| Total risk-based capital ratio | 13.4790% | 4,648 |
| Memoranda: | ||
| Average total assets | $158,687,670 | 3,854 |
| Average earning assets | $141,066,670 | 3,924 |
| Average equity | $15,795,670 | 3,961 |
| Average total loans | $125,439,330 | 3,433 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4891% | 888 |
| Cost of funding earning assets | 1.7903% | 5,162 |
| Net interest margin | 4.6988% | 766 |
| Noninterest income to average assets | 0.4541% | 4,728 |
| Noninterest expense to average assets | 4.3283% | 832 |
| Loan and lease loss provision to assets | 0.2822% | 3,700 |
| Net operating income to assets | 0.0821% | 6,032 |
| Return on assets (ROA) | 0.0821% | 6,198 |
| Pretax return on assets | 0.0590% | 6,260 |
| Return on Equity (ROE) | 0.8408% | 6,177 |
| Retained earnings to average equity (ytd only) | 0.8408% | 5,325 |
| Net charge-offs to loans | 0.1158% | 4,041 |
| Credit loss provision to net charge-offs | 305.5556% | 1,590 |
| Earnings coverage of net charge-offs (x) | 3.6944% | 3,098 |
| Efficiency ratio | 92.6923% | 1,527 |
| Assets per employee ($millions) | 3.2734% | 5,387 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3547% | 3,767 |
| Loan loss allowance to noncurrent loans | 35.5319% | 6,184 |
| Noncurrent assets plus other real estate owned to assets | 3.2868% | 1,670 |
| Noncurrent loans to loans | 3.8126% | 1,614 |
| Net loans and leases to total assets | 75.8134% | 2,314 |
| Net loans and leases to deposits | 104.4071% | 983 |
| Net loans and leases to core deposits | 114.3045% | 2,980 |
| Total domestic deposits to total assets | 72.6133% | 7,114 |
| Equity capital to assets | 10.7482% | 3,236 |
| Core capital (leverage) ratio | 10.9750% | 2,518 |
| Tier 1 risk-based capital ratio | 12.8800% | 4,270 |
| Total risk-based capital ratio | 14.1297% | 4,191 |
| Memoranda: | ||
| Average total assets | $155,903,500 | 3,906 |
| Average earning assets | $139,866,000 | 3,958 |
| Average equity | $15,224,500 | 4,101 |
| Average total loans | $124,312,000 | 3,479 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0241% | 1,070 |
| Cost of funding earning assets | 1.8970% | 6,735 |
| Net interest margin | 5.1270% | 380 |
| Noninterest income to average assets | 0.4900% | 4,690 |
| Noninterest expense to average assets | 4.4353% | 921 |
| Loan and lease loss provision to assets | 0.9826% | 1,495 |
| Net operating income to assets | -0.0669% | 6,467 |
| Return on assets (ROA) | -0.0669% | 6,313 |
| Pretax return on assets | -0.1881% | 6,361 |
| Return on Equity (ROE) | -0.7540% | 6,332 |
| Retained earnings to average equity (ytd only) | -0.7540% | 5,529 |
| Net charge-offs to loans | 0.9524% | 1,298 |
| Credit loss provision to net charge-offs | 129.6820% | 4,105 |
| Earnings coverage of net charge-offs (x) | 1.0486% | 5,606 |
| Efficiency ratio | 84.8074% | 1,981 |
| Assets per employee ($millions) | 3.1543% | 5,609 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2732% | 3,970 |
| Loan loss allowance to noncurrent loans | 56.3360% | 5,157 |
| Noncurrent assets plus other real estate owned to assets | 2.2489% | 2,164 |
| Noncurrent loans to loans | 2.2601% | 2,440 |
| Net loans and leases to total assets | 81.7354% | 1,276 |
| Net loans and leases to deposits | 111.9318% | 712 |
| Net loans and leases to core deposits | 121.6686% | 2,540 |
| Total domestic deposits to total assets | 73.0226% | 6,825 |
| Equity capital to assets | 8.7241% | 5,774 |
| Core capital (leverage) ratio | 8.5033% | 5,577 |
| Tier 1 risk-based capital ratio | 9.7148% | 7,060 |
| Total risk-based capital ratio | 10.9402% | 7,004 |
| Memoranda: | ||
| Average total assets | $149,394,000 | 3,911 |
| Average earning assets | $138,111,200 | 3,890 |
| Average equity | $13,262,400 | 4,506 |
| Average total loans | $118,861,000 | 3,495 |