Home > Savannah River Banking Company > Performance and Condition Ratios
Savannah River Banking Company, Performance and Condition Ratios
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2847% | 3,017 |
| Cost of funding earning assets | 0.4801% | 3,819 |
| Net interest margin | 3.8046% | 2,639 |
| Noninterest income to average assets | 0.2454% | 5,590 |
| Noninterest expense to average assets | 2.5572% | 4,594 |
| Loan and lease loss provision to assets | 0.1957% | 1,895 |
| Net operating income to assets | 0.6637% | 3,964 |
| Return on assets (ROA) | 0.6782% | 3,992 |
| Pretax return on assets | 0.9580% | 3,522 |
| Return on Equity (ROE) | 4.8596% | 4,690 |
| Retained earnings to average equity (ytd only) | 4.8596% | 2,691 |
| Net charge-offs to loans | 0.0009% | 5,465 |
| Credit loss provision to net charge-offs | 30,700.0000% | 10 |
| Earnings coverage of net charge-offs (x) | 1,778.0000% | 19 |
| Efficiency ratio | 69.2919% | 3,959 |
| Assets per employee ($millions) | 5.4398% | 1,709 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0196% | 1,508 |
| Loan loss allowance to noncurrent loans | 242.8105% | 1,776 |
| Noncurrent assets plus other real estate owned to assets | 0.6027% | 4,430 |
| Noncurrent loans to loans | 0.8317% | 3,902 |
| Net loans and leases to total assets | 70.9989% | 1,840 |
| Net loans and leases to deposits | 88.9970% | 1,350 |
| Net loans and leases to core deposits | 92.5881% | 1,713 |
| Total domestic deposits to total assets | 79.7768% | 5,500 |
| Equity capital to assets | 14.6007% | 759 |
| Core capital (leverage) ratio | 14.1696% | 782 |
| Tier 1 risk-based capital ratio | 17.3919% | 2,457 |
| Total risk-based capital ratio | 18.6480% | 2,429 |
| Memoranda: | ||
| Average total assets | $156,889,000 | 3,602 |
| Average earning assets | $142,064,800 | 3,634 |
| Average equity | $21,894,800 | 2,934 |
| Average total loans | $112,491,200 | 3,198 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2800% | 3,079 |
| Cost of funding earning assets | 0.4892% | 3,876 |
| Net interest margin | 3.7908% | 2,675 |
| Noninterest income to average assets | 0.2514% | 5,634 |
| Noninterest expense to average assets | 2.4906% | 4,753 |
| Loan and lease loss provision to assets | 0.1915% | 1,912 |
| Net operating income to assets | 0.6522% | 4,104 |
| Return on assets (ROA) | 0.6522% | 4,238 |
| Pretax return on assets | 1.0015% | 3,499 |
| Return on Equity (ROE) | 4.7258% | 4,861 |
| Retained earnings to average equity (ytd only) | 4.7258% | 3,287 |
| Net charge-offs to loans | -0.0130% | 5,946 |
| Credit loss provision to net charge-offs | -2,063.6364% | 6,282 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6134% | 4,165 |
| Assets per employee ($millions) | 5.3792% | 1,757 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9159% | 1,955 |
| Loan loss allowance to noncurrent loans | 146.8071% | 2,581 |
| Noncurrent assets plus other real estate owned to assets | 1.0250% | 3,593 |
| Noncurrent loans to loans | 1.3051% | 3,228 |
| Net loans and leases to total assets | 70.9191% | 1,799 |
| Net loans and leases to deposits | 89.1639% | 1,249 |
| Net loans and leases to core deposits | 93.6995% | 1,603 |
| Total domestic deposits to total assets | 79.5379% | 5,626 |
| Equity capital to assets | 14.1497% | 922 |
| Core capital (leverage) ratio | 14.0945% | 850 |
| Tier 1 risk-based capital ratio | 16.8284% | 2,789 |
| Total risk-based capital ratio | 18.0832% | 2,742 |
| Memoranda: | ||
| Average total assets | $158,032,500 | 3,626 |
| Average earning assets | $143,079,750 | 3,654 |
| Average equity | $21,808,750 | 2,985 |
| Average total loans | $113,021,250 | 3,207 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2686% | 3,082 |
| Cost of funding earning assets | 0.5014% | 3,882 |
| Net interest margin | 3.7673% | 2,687 |
| Noninterest income to average assets | 0.2495% | 5,663 |
| Noninterest expense to average assets | 2.5657% | 4,505 |
| Loan and lease loss provision to assets | 0.1852% | 2,039 |
| Net operating income to assets | 0.5608% | 4,499 |
| Return on assets (ROA) | 0.5608% | 4,669 |
| Pretax return on assets | 0.9073% | 3,874 |
| Return on Equity (ROE) | 4.0975% | 5,177 |
| Retained earnings to average equity (ytd only) | 4.0975% | 3,682 |
| Net charge-offs to loans | -0.0195% | 5,965 |
| Credit loss provision to net charge-offs | -1,336.3636% | 6,080 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1343% | 3,801 |
| Assets per employee ($millions) | 5.2934% | 1,805 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8800% | 2,171 |
| Loan loss allowance to noncurrent loans | 242.5408% | 1,672 |
| Noncurrent assets plus other real estate owned to assets | 0.6203% | 4,681 |
| Noncurrent loans to loans | 0.7751% | 4,367 |
| Net loans and leases to total assets | 68.3957% | 2,169 |
| Net loans and leases to deposits | 83.0762% | 1,918 |
| Net loans and leases to core deposits | 87.5798% | 2,159 |
| Total domestic deposits to total assets | 82.3288% | 4,935 |
| Equity capital to assets | 13.6743% | 1,065 |
| Core capital (leverage) ratio | 13.6171% | 933 |
| Tier 1 risk-based capital ratio | 16.7511% | 2,813 |
| Total risk-based capital ratio | 18.0060% | 2,784 |
| Memoranda: | ||
| Average total assets | $158,711,330 | 3,638 |
| Average earning assets | $143,606,000 | 3,667 |
| Average equity | $21,720,670 | 3,017 |
| Average total loans | $113,097,670 | 3,209 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2553% | 3,076 |
| Cost of funding earning assets | 0.5288% | 3,794 |
| Net interest margin | 3.7265% | 2,748 |
| Noninterest income to average assets | 0.3000% | 5,299 |
| Noninterest expense to average assets | 2.5613% | 4,524 |
| Loan and lease loss provision to assets | 0.1866% | 1,976 |
| Net operating income to assets | 0.5798% | 4,313 |
| Return on assets (ROA) | 0.5798% | 4,465 |
| Pretax return on assets | 0.9454% | 3,583 |
| Return on Equity (ROE) | 4.2350% | 4,978 |
| Retained earnings to average equity (ytd only) | 4.2350% | 3,689 |
| Net charge-offs to loans | -0.0035% | 5,213 |
| Credit loss provision to net charge-offs | -7,400.0000% | 5,917 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3515% | 4,084 |
| Assets per employee ($millions) | 5.2197% | 1,955 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7424% | 2,829 |
| Loan loss allowance to noncurrent loans | 166.6389% | 2,188 |
| Noncurrent assets plus other real estate owned to assets | 0.7657% | 4,463 |
| Noncurrent loans to loans | 1.0456% | 4,052 |
| Net loans and leases to total assets | 71.9511% | 1,358 |
| Net loans and leases to deposits | 87.5079% | 1,192 |
| Net loans and leases to core deposits | 91.6075% | 1,543 |
| Total domestic deposits to total assets | 82.2225% | 5,120 |
| Equity capital to assets | 13.9293% | 1,051 |
| Core capital (leverage) ratio | 13.4135% | 968 |
| Tier 1 risk-based capital ratio | 16.7902% | 2,865 |
| Total risk-based capital ratio | 18.0442% | 2,828 |
| Memoranda: | ||
| Average total assets | $158,666,500 | 3,677 |
| Average earning assets | $144,479,000 | 3,682 |
| Average equity | $21,723,500 | 3,059 |
| Average total loans | $114,299,500 | 3,196 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1919% | 4,624 |
| Cost of funding earning assets | 0.6657% | 3,781 |
| Net interest margin | 3.5262% | 4,390 |
| Noninterest income to average assets | 0.2320% | 5,785 |
| Noninterest expense to average assets | 2.4796% | 5,163 |
| Loan and lease loss provision to assets | 0.3747% | 1,747 |
| Net operating income to assets | 0.3684% | 5,225 |
| Return on assets (ROA) | 0.4133% | 5,299 |
| Pretax return on assets | 0.6954% | 4,680 |
| Return on Equity (ROE) | 3.0183% | 5,549 |
| Retained earnings to average equity (ytd only) | 3.0183% | 4,111 |
| Net charge-offs to loans | 0.2679% | 3,331 |
| Credit loss provision to net charge-offs | 207.4733% | 1,230 |
| Earnings coverage of net charge-offs (x) | 5.5374% | 3,011 |
| Efficiency ratio | 71.2597% | 3,575 |
| Assets per employee ($millions) | 5.3581% | 1,829 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6878% | 2,974 |
| Loan loss allowance to noncurrent loans | 158.5326% | 2,263 |
| Noncurrent assets plus other real estate owned to assets | 0.7932% | 4,484 |
| Noncurrent loans to loans | 1.0647% | 4,079 |
| Net loans and leases to total assets | 69.6825% | 1,905 |
| Net loans and leases to deposits | 84.7289% | 1,669 |
| Net loans and leases to core deposits | 88.7123% | 2,004 |
| Total domestic deposits to total assets | 82.2417% | 5,014 |
| Equity capital to assets | 13.4595% | 1,245 |
| Core capital (leverage) ratio | 13.7436% | 875 |
| Tier 1 risk-based capital ratio | 16.7398% | 2,781 |
| Total risk-based capital ratio | 17.9934% | 2,745 |
| Memoranda: | ||
| Average total assets | $155,586,600 | 3,692 |
| Average earning assets | $143,299,200 | 3,675 |
| Average equity | $21,303,400 | 3,067 |
| Average total loans | $104,889,200 | 3,402 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2107% | 4,782 |
| Cost of funding earning assets | 0.7069% | 3,701 |
| Net interest margin | 3.5038% | 4,627 |
| Noninterest income to average assets | 0.2290% | 5,908 |
| Noninterest expense to average assets | 2.5724% | 4,836 |
| Loan and lease loss provision to assets | 0.2610% | 2,489 |
| Net operating income to assets | 0.3744% | 5,356 |
| Return on assets (ROA) | 0.4346% | 5,336 |
| Pretax return on assets | 0.7276% | 4,757 |
| Return on Equity (ROE) | 3.1604% | 5,622 |
| Retained earnings to average equity (ytd only) | 3.1604% | 4,652 |
| Net charge-offs to loans | 0.0572% | 4,857 |
| Credit loss provision to net charge-offs | 686.3636% | 393 |
| Earnings coverage of net charge-offs (x) | 23.5209% | 1,311 |
| Efficiency ratio | 74.2024% | 2,952 |
| Assets per employee ($millions) | 5.3771% | 1,755 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7983% | 2,800 |
| Loan loss allowance to noncurrent loans | 1,515.3226% | 317 |
| Noncurrent assets plus other real estate owned to assets | 0.1235% | 6,412 |
| Noncurrent loans to loans | 0.1187% | 6,313 |
| Net loans and leases to total assets | 68.1518% | 2,269 |
| Net loans and leases to deposits | 81.3910% | 2,197 |
| Net loans and leases to core deposits | 85.5259% | 2,528 |
| Total domestic deposits to total assets | 83.7338% | 4,344 |
| Equity capital to assets | 14.3161% | 1,033 |
| Core capital (leverage) ratio | 13.5795% | 987 |
| Tier 1 risk-based capital ratio | 17.8674% | 2,402 |
| Total risk-based capital ratio | 19.1223% | 2,368 |
| Memoranda: | ||
| Average total assets | $154,297,750 | 3,750 |
| Average earning assets | $142,586,000 | 3,726 |
| Average equity | $21,220,500 | 3,102 |
| Average total loans | $102,628,500 | 3,493 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1766% | 5,034 |
| Cost of funding earning assets | 0.7614% | 3,508 |
| Net interest margin | 3.4152% | 5,020 |
| Noninterest income to average assets | 0.2032% | 6,106 |
| Noninterest expense to average assets | 2.4597% | 5,260 |
| Loan and lease loss provision to assets | 0.2417% | 2,646 |
| Net operating income to assets | 0.3953% | 5,225 |
| Return on assets (ROA) | 0.4487% | 5,273 |
| Pretax return on assets | 0.7458% | 4,677 |
| Return on Equity (ROE) | 3.3066% | 5,556 |
| Retained earnings to average equity (ytd only) | 3.3066% | 4,403 |
| Net charge-offs to loans | 0.0863% | 4,286 |
| Credit loss provision to net charge-offs | 427.2727% | 694 |
| Earnings coverage of net charge-offs (x) | 15.9773% | 1,618 |
| Efficiency ratio | 73.1269% | 3,220 |
| Assets per employee ($millions) | 5.5931% | 1,537 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7291% | 3,112 |
| Loan loss allowance to noncurrent loans | 1,649.5327% | 287 |
| Noncurrent assets plus other real estate owned to assets | 0.1079% | 6,525 |
| Noncurrent loans to loans | 0.1048% | 6,406 |
| Net loans and leases to total assets | 64.0542% | 3,020 |
| Net loans and leases to deposits | 77.5578% | 2,741 |
| Net loans and leases to core deposits | 81.3920% | 3,037 |
| Total domestic deposits to total assets | 82.5890% | 4,912 |
| Equity capital to assets | 13.6213% | 1,253 |
| Core capital (leverage) ratio | 13.5777% | 951 |
| Tier 1 risk-based capital ratio | 17.7993% | 2,364 |
| Total risk-based capital ratio | 19.0528% | 2,330 |
| Memoranda: | ||
| Average total assets | $155,544,330 | 3,746 |
| Average earning assets | $143,944,000 | 3,719 |
| Average equity | $21,109,330 | 3,100 |
| Average total loans | $102,009,000 | 3,511 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1841% | 5,165 |
| Cost of funding earning assets | 0.8485% | 3,079 |
| Net interest margin | 3.3356% | 5,347 |
| Noninterest income to average assets | 0.2039% | 6,168 |
| Noninterest expense to average assets | 2.4850% | 5,197 |
| Loan and lease loss provision to assets | 0.2580% | 2,391 |
| Net operating income to assets | 0.3339% | 5,536 |
| Return on assets (ROA) | 0.4413% | 5,263 |
| Pretax return on assets | 0.7225% | 4,722 |
| Return on Equity (ROE) | 3.2575% | 5,611 |
| Retained earnings to average equity (ytd only) | 3.2575% | 4,614 |
| Net charge-offs to loans | 0.1177% | 3,409 |
| Credit loss provision to net charge-offs | 333.3333% | 895 |
| Earnings coverage of net charge-offs (x) | 10.5000% | 1,748 |
| Efficiency ratio | 75.3521% | 2,882 |
| Assets per employee ($millions) | 5.9658% | 1,302 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6478% | 3,553 |
| Loan loss allowance to noncurrent loans | 1,470.4348% | 285 |
| Noncurrent assets plus other real estate owned to assets | 0.0741% | 6,700 |
| Noncurrent loans to loans | 0.1121% | 6,476 |
| Net loans and leases to total assets | 65.0698% | 2,636 |
| Net loans and leases to deposits | 80.3201% | 2,163 |
| Net loans and leases to core deposits | 85.5231% | 2,345 |
| Total domestic deposits to total assets | 81.0131% | 5,606 |
| Equity capital to assets | 13.5747% | 1,208 |
| Core capital (leverage) ratio | 13.4871% | 959 |
| Tier 1 risk-based capital ratio | 17.7628% | 2,377 |
| Total risk-based capital ratio | 19.0157% | 2,354 |
| Memoranda: | ||
| Average total assets | $155,012,500 | 3,782 |
| Average earning assets | $143,782,500 | 3,748 |
| Average equity | $20,998,000 | 3,106 |
| Average total loans | $101,974,000 | 3,544 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4962% | 5,089 |
| Cost of funding earning assets | 1.1133% | 2,585 |
| Net interest margin | 3.3830% | 5,535 |
| Noninterest income to average assets | 0.1629% | 6,324 |
| Noninterest expense to average assets | 2.4288% | 5,699 |
| Loan and lease loss provision to assets | 0.1689% | 4,528 |
| Net operating income to assets | 0.4089% | 4,821 |
| Return on assets (ROA) | 0.4089% | 5,008 |
| Pretax return on assets | 0.6886% | 4,365 |
| Return on Equity (ROE) | 2.9738% | 5,298 |
| Retained earnings to average equity (ytd only) | 2.9738% | 4,118 |
| Net charge-offs to loans | 0.0435% | 5,869 |
| Credit loss provision to net charge-offs | 581.3953% | 392 |
| Earnings coverage of net charge-offs (x) | 29.5116% | 853 |
| Efficiency ratio | 73.9050% | 3,252 |
| Assets per employee ($millions) | 5.7375% | 1,418 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5998% | 3,591 |
| Loan loss allowance to noncurrent loans | 1,434.5133% | 305 |
| Noncurrent assets plus other real estate owned to assets | 0.0729% | 6,769 |
| Noncurrent loans to loans | 0.1115% | 6,533 |
| Net loans and leases to total assets | 64.3619% | 3,102 |
| Net loans and leases to deposits | 78.9224% | 2,690 |
| Net loans and leases to core deposits | 85.7899% | 2,660 |
| Total domestic deposits to total assets | 81.5509% | 5,279 |
| Equity capital to assets | 13.5173% | 1,255 |
| Core capital (leverage) ratio | 13.6366% | 913 |
| Tier 1 risk-based capital ratio | 17.6486% | 2,321 |
| Total risk-based capital ratio | 18.8959% | 2,284 |
| Memoranda: | ||
| Average total assets | $147,975,600 | 3,835 |
| Average earning assets | $136,625,200 | 3,809 |
| Average equity | $20,344,400 | 3,089 |
| Average total loans | $98,846,600 | 3,648 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5477% | 5,092 |
| Cost of funding earning assets | 1.1683% | 2,514 |
| Net interest margin | 3.3794% | 5,638 |
| Noninterest income to average assets | 0.1586% | 6,459 |
| Noninterest expense to average assets | 2.4808% | 5,531 |
| Loan and lease loss provision to assets | 0.1140% | 4,998 |
| Net operating income to assets | 0.4267% | 4,871 |
| Return on assets (ROA) | 0.4267% | 5,065 |
| Pretax return on assets | 0.6810% | 4,547 |
| Return on Equity (ROE) | 3.0897% | 5,377 |
| Retained earnings to average equity (ytd only) | 3.0897% | 4,485 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7306% | 2,881 |
| Assets per employee ($millions) | 5.4327% | 1,665 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6137% | 3,593 |
| Loan loss allowance to noncurrent loans | 553.5971% | 604 |
| Noncurrent assets plus other real estate owned to assets | 0.1895% | 6,580 |
| Noncurrent loans to loans | 0.2915% | 6,266 |
| Net loans and leases to total assets | 63.9686% | 3,311 |
| Net loans and leases to deposits | 78.6487% | 2,866 |
| Net loans and leases to core deposits | 85.0866% | 2,903 |
| Total domestic deposits to total assets | 81.3346% | 5,320 |
| Equity capital to assets | 14.1591% | 1,094 |
| Core capital (leverage) ratio | 14.0772% | 882 |
| Tier 1 risk-based capital ratio | 18.7716% | 2,002 |
| Total risk-based capital ratio | 20.0239% | 1,966 |
| Memoranda: | ||
| Average total assets | $146,241,250 | 3,885 |
| Average earning assets | $134,893,000 | 3,867 |
| Average equity | $20,195,500 | 3,115 |
| Average total loans | $98,226,750 | 3,693 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5550% | 5,156 |
| Cost of funding earning assets | 1.2212% | 2,433 |
| Net interest margin | 3.3338% | 5,760 |
| Noninterest income to average assets | 0.1602% | 6,513 |
| Noninterest expense to average assets | 2.5080% | 5,505 |
| Loan and lease loss provision to assets | 0.1164% | 4,822 |
| Net operating income to assets | 0.3806% | 5,036 |
| Return on assets (ROA) | 0.3806% | 5,175 |
| Pretax return on assets | 0.6078% | 4,725 |
| Return on Equity (ROE) | 2.7794% | 5,487 |
| Retained earnings to average equity (ytd only) | 2.7794% | 4,513 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2554% | 2,818 |
| Assets per employee ($millions) | 5.8176% | 1,293 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4981% | 4,145 |
| Loan loss allowance to noncurrent loans | 14,790.0000% | 45 |
| Noncurrent assets plus other real estate owned to assets | 0.0069% | 7,113 |
| Noncurrent loans to loans | 0.0101% | 6,982 |
| Net loans and leases to total assets | 66.8619% | 2,848 |
| Net loans and leases to deposits | 82.0521% | 2,448 |
| Net loans and leases to core deposits | 89.3081% | 2,462 |
| Total domestic deposits to total assets | 81.4872% | 5,354 |
| Equity capital to assets | 13.9356% | 1,118 |
| Core capital (leverage) ratio | 13.2840% | 1,068 |
| Tier 1 risk-based capital ratio | 15.3906% | 3,298 |
| Total risk-based capital ratio | 16.5777% | 3,284 |
| Memoranda: | ||
| Average total assets | $146,094,000 | 3,919 |
| Average earning assets | $134,620,670 | 3,890 |
| Average equity | $20,004,330 | 3,123 |
| Average total loans | $99,179,000 | 3,707 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5166% | 5,279 |
| Cost of funding earning assets | 1.2731% | 2,343 |
| Net interest margin | 3.2435% | 5,942 |
| Noninterest income to average assets | 0.1503% | 6,651 |
| Noninterest expense to average assets | 2.5270% | 5,462 |
| Loan and lease loss provision to assets | 0.1530% | 4,109 |
| Net operating income to assets | 0.2868% | 5,475 |
| Return on assets (ROA) | 0.2868% | 5,544 |
| Pretax return on assets | 0.4562% | 5,165 |
| Return on Equity (ROE) | 2.1135% | 5,746 |
| Retained earnings to average equity (ytd only) | 2.1135% | 4,873 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2265% | 2,487 |
| Assets per employee ($millions) | 5.9374% | 1,242 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4338% | 4,509 |
| Loan loss allowance to noncurrent loans | 11,153.8462% | 55 |
| Noncurrent assets plus other real estate owned to assets | 0.0088% | 7,173 |
| Noncurrent loans to loans | 0.0129% | 7,038 |
| Net loans and leases to total assets | 67.1564% | 2,726 |
| Net loans and leases to deposits | 81.7369% | 2,409 |
| Net loans and leases to core deposits | 90.3466% | 2,310 |
| Total domestic deposits to total assets | 82.1618% | 5,246 |
| Equity capital to assets | 13.3992% | 1,220 |
| Core capital (leverage) ratio | 12.7970% | 1,197 |
| Tier 1 risk-based capital ratio | 14.7540% | 3,576 |
| Total risk-based capital ratio | 15.8881% | 3,609 |
| Memoranda: | ||
| Average total assets | $146,421,000 | 3,946 |
| Average earning assets | $134,792,500 | 3,918 |
| Average equity | $19,872,500 | 3,135 |
| Average total loans | $99,407,000 | 3,739 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8344% | 5,296 |
| Cost of funding earning assets | 1.4689% | 2,830 |
| Net interest margin | 3.3655% | 5,744 |
| Noninterest income to average assets | 0.2036% | 6,330 |
| Noninterest expense to average assets | 2.7989% | 4,612 |
| Loan and lease loss provision to assets | 0.1793% | 5,426 |
| Net operating income to assets | 0.1613% | 5,401 |
| Return on assets (ROA) | 0.1613% | 5,561 |
| Pretax return on assets | 0.2937% | 5,245 |
| Return on Equity (ROE) | 1.0797% | 5,669 |
| Retained earnings to average equity (ytd only) | 1.0797% | 5,006 |
| Net charge-offs to loans | 0.0745% | 6,056 |
| Credit loss provision to net charge-offs | 327.1429% | 788 |
| Earnings coverage of net charge-offs (x) | 8.6286% | 1,946 |
| Efficiency ratio | 84.7774% | 1,826 |
| Assets per employee ($millions) | 5.7763% | 1,375 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4281% | 4,384 |
| Loan loss allowance to noncurrent loans | 9,964.2857% | 53 |
| Noncurrent assets plus other real estate owned to assets | 0.0097% | 7,231 |
| Noncurrent loans to loans | 0.0143% | 7,117 |
| Net loans and leases to total assets | 66.6764% | 3,308 |
| Net loans and leases to deposits | 81.7223% | 2,864 |
| Net loans and leases to core deposits | 90.3788% | 2,716 |
| Total domestic deposits to total assets | 81.5890% | 5,327 |
| Equity capital to assets | 13.7499% | 1,114 |
| Core capital (leverage) ratio | 13.0187% | 1,123 |
| Tier 1 risk-based capital ratio | 15.1850% | 3,156 |
| Total risk-based capital ratio | 16.3213% | 3,151 |
| Memoranda: | ||
| Average total assets | $127,691,800 | 4,322 |
| Average earning assets | $116,415,600 | 4,307 |
| Average equity | $19,080,000 | 3,272 |
| Average total loans | $93,976,200 | 3,954 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9080% | 5,226 |
| Cost of funding earning assets | 1.5137% | 2,891 |
| Net interest margin | 3.3943% | 5,700 |
| Noninterest income to average assets | 0.1932% | 6,505 |
| Noninterest expense to average assets | 2.8682% | 4,215 |
| Loan and lease loss provision to assets | 0.1835% | 5,209 |
| Net operating income to assets | 0.1112% | 5,742 |
| Return on assets (ROA) | 0.1112% | 5,899 |
| Pretax return on assets | 0.2278% | 5,668 |
| Return on Equity (ROE) | 0.7272% | 5,962 |
| Retained earnings to average equity (ytd only) | 0.7272% | 5,511 |
| Net charge-offs to loans | 0.1003% | 5,523 |
| Credit loss provision to net charge-offs | 242.8571% | 1,389 |
| Earnings coverage of net charge-offs (x) | 5.4429% | 2,745 |
| Efficiency ratio | 86.6030% | 1,566 |
| Assets per employee ($millions) | 5.1716% | 1,973 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4254% | 4,335 |
| Loan loss allowance to noncurrent loans | 8,900.0000% | 48 |
| Noncurrent assets plus other real estate owned to assets | 0.0112% | 7,343 |
| Noncurrent loans to loans | 0.0160% | 7,222 |
| Net loans and leases to total assets | 68.6601% | 3,063 |
| Net loans and leases to deposits | 84.8375% | 2,548 |
| Net loans and leases to core deposits | 94.1072% | 2,514 |
| Total domestic deposits to total assets | 80.9313% | 5,400 |
| Equity capital to assets | 14.1335% | 1,127 |
| Core capital (leverage) ratio | 13.1876% | 1,159 |
| Tier 1 risk-based capital ratio | 15.0432% | 3,234 |
| Total risk-based capital ratio | 16.1882% | 3,266 |
| Memoranda: | ||
| Average total assets | $123,512,750 | 4,468 |
| Average earning assets | $112,302,750 | 4,478 |
| Average equity | $18,886,000 | 3,337 |
| Average total loans | $93,050,000 | 4,050 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9918% | 4,979 |
| Cost of funding earning assets | 1.5220% | 3,120 |
| Net interest margin | 3.4697% | 5,368 |
| Noninterest income to average assets | 0.1669% | 6,711 |
| Noninterest expense to average assets | 2.8933% | 4,104 |
| Loan and lease loss provision to assets | 0.2453% | 4,473 |
| Net operating income to assets | 0.0634% | 5,963 |
| Return on assets (ROA) | 0.0634% | 6,062 |
| Pretax return on assets | 0.1702% | 5,844 |
| Return on Equity (ROE) | 0.4033% | 6,110 |
| Retained earnings to average equity (ytd only) | 0.4033% | 5,605 |
| Net charge-offs to loans | 0.1508% | 4,732 |
| Credit loss provision to net charge-offs | 210.0000% | 1,852 |
| Earnings coverage of net charge-offs (x) | 3.5571% | 3,271 |
| Efficiency ratio | 86.5356% | 1,653 |
| Assets per employee ($millions) | 4.8478% | 2,379 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3540% | 4,660 |
| Loan loss allowance to noncurrent loans | 8,206.2500% | 51 |
| Noncurrent assets plus other real estate owned to assets | 0.0127% | 7,381 |
| Noncurrent loans to loans | 0.0165% | 7,291 |
| Net loans and leases to total assets | 75.8947% | 1,511 |
| Net loans and leases to deposits | 95.1093% | 1,135 |
| Net loans and leases to core deposits | 110.0476% | 1,159 |
| Total domestic deposits to total assets | 79.7974% | 5,790 |
| Equity capital to assets | 14.9917% | 887 |
| Core capital (leverage) ratio | 13.8094% | 972 |
| Tier 1 risk-based capital ratio | 14.4768% | 3,458 |
| Total risk-based capital ratio | 15.5832% | 3,490 |
| Memoranda: | ||
| Average total assets | $119,863,330 | 4,569 |
| Average earning assets | $108,538,670 | 4,594 |
| Average equity | $18,846,670 | 3,324 |
| Average total loans | $92,848,000 | 4,084 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9565% | 5,208 |
| Cost of funding earning assets | 1.4729% | 3,722 |
| Net interest margin | 3.4836% | 5,227 |
| Noninterest income to average assets | 0.1404% | 6,974 |
| Noninterest expense to average assets | 2.8911% | 4,096 |
| Loan and lease loss provision to assets | 0.2740% | 3,836 |
| Net operating income to assets | -0.0069% | 6,308 |
| Return on assets (ROA) | -0.0069% | 6,407 |
| Pretax return on assets | 0.1267% | 6,068 |
| Return on Equity (ROE) | -0.0425% | 6,411 |
| Retained earnings to average equity (ytd only) | -0.0425% | 5,837 |
| Net charge-offs to loans | 0.2203% | 3,609 |
| Credit loss provision to net charge-offs | 160.0000% | 2,250 |
| Earnings coverage of net charge-offs (x) | 2.3400% | 3,375 |
| Efficiency ratio | 86.8887% | 1,699 |
| Assets per employee ($millions) | 4.9878% | 2,245 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3636% | 4,605 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 76.4408% | 1,447 |
| Net loans and leases to deposits | 97.4473% | 960 |
| Net loans and leases to core deposits | 113.1549% | 1,086 |
| Total domestic deposits to total assets | 78.4432% | 6,216 |
| Equity capital to assets | 15.7418% | 711 |
| Core capital (leverage) ratio | 14.4975% | 854 |
| Tier 1 risk-based capital ratio | 17.1740% | 2,208 |
| Total risk-based capital ratio | 18.4242% | 2,160 |
| Memoranda: | ||
| Average total assets | $116,773,500 | 4,698 |
| Average earning assets | $105,638,500 | 4,718 |
| Average equity | $18,822,000 | 3,340 |
| Average total loans | $90,785,500 | 4,185 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8143% | 6,918 |
| Cost of funding earning assets | 1.7129% | 4,441 |
| Net interest margin | 3.1014% | 6,364 |
| Noninterest income to average assets | 0.1391% | 7,048 |
| Noninterest expense to average assets | 3.1804% | 3,443 |
| Loan and lease loss provision to assets | 0.4899% | 3,923 |
| Net operating income to assets | -0.4789% | 6,156 |
| Return on assets (ROA) | -0.5137% | 6,187 |
| Pretax return on assets | -0.8244% | 6,283 |
| Return on Equity (ROE) | -2.8446% | 5,962 |
| Retained earnings to average equity (ytd only) | -2.8446% | 5,671 |
| Net charge-offs to loans | 0.0040% | 7,190 |
| Credit loss provision to net charge-offs | 17,133.3333% | 22 |
| Earnings coverage of net charge-offs (x) | -98.0000% | 7,225 |
| Efficiency ratio | 108.5771% | 829 |
| Assets per employee ($millions) | 4.7433% | 2,551 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3908% | 4,281 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 76.9202% | 1,600 |
| Net loans and leases to deposits | 98.8575% | 1,014 |
| Net loans and leases to core deposits | 136.0904% | 948 |
| Total domestic deposits to total assets | 77.8092% | 6,268 |
| Equity capital to assets | 16.5144% | 617 |
| Core capital (leverage) ratio | 15.2065% | 738 |
| Tier 1 risk-based capital ratio | 17.7453% | 1,959 |
| Total risk-based capital ratio | 18.9957% | 1,915 |
| Memoranda: | ||
| Average total assets | $104,923,000 | 4,960 |
| Average earning assets | $93,408,400 | 5,024 |
| Average equity | $18,948,200 | 3,349 |
| Average total loans | $75,666,600 | 4,665 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7129% | 7,264 |
| Cost of funding earning assets | 1.7798% | 4,481 |
| Net interest margin | 2.9331% | 6,770 |
| Noninterest income to average assets | 0.1415% | 7,168 |
| Noninterest expense to average assets | 3.4055% | 2,560 |
| Loan and lease loss provision to assets | 0.4700% | 3,554 |
| Net operating income to assets | -0.7031% | 6,607 |
| Return on assets (ROA) | -0.7504% | 6,658 |
| Pretax return on assets | -1.2061% | 6,820 |
| Return on Equity (ROE) | -4.0592% | 6,346 |
| Retained earnings to average equity (ytd only) | -4.0592% | 6,119 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 123.0005% | 551 |
| Assets per employee ($millions) | 5.0724% | 2,050 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3080% | 4,452 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 70.2347% | 3,454 |
| Net loans and leases to deposits | 85.1661% | 3,472 |
| Net loans and leases to core deposits | 125.9201% | 1,743 |
| Total domestic deposits to total assets | 82.4679% | 4,468 |
| Equity capital to assets | 16.1332% | 771 |
| Core capital (leverage) ratio | 14.7878% | 899 |
| Tier 1 risk-based capital ratio | 18.3037% | 1,907 |
| Total risk-based capital ratio | 19.4744% | 1,872 |
| Memoranda: | ||
| Average total assets | $102,693,750 | 5,052 |
| Average earning assets | $91,094,500 | 5,127 |
| Average equity | $18,985,250 | 3,372 |
| Average total loans | $72,383,000 | 4,831 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6681% | 7,424 |
| Cost of funding earning assets | 1.8793% | 4,375 |
| Net interest margin | 2.7888% | 7,033 |
| Noninterest income to average assets | 0.1387% | 7,260 |
| Noninterest expense to average assets | 3.6762% | 1,885 |
| Loan and lease loss provision to assets | 0.5243% | 2,924 |
| Net operating income to assets | -1.0321% | 7,010 |
| Return on assets (ROA) | -1.1261% | 7,075 |
| Pretax return on assets | -1.7565% | 7,193 |
| Return on Equity (ROE) | -5.7984% | 6,687 |
| Retained earnings to average equity (ytd only) | -5.7984% | 6,419 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 140.6299% | 423 |
| Assets per employee ($millions) | 4.7043% | 2,461 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2496% | 4,609 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 74.9077% | 2,464 |
| Net loans and leases to deposits | 93.3912% | 2,193 |
| Net loans and leases to core deposits | 123.2826% | 2,089 |
| Total domestic deposits to total assets | 80.2085% | 5,389 |
| Equity capital to assets | 18.1325% | 534 |
| Core capital (leverage) ratio | 16.7505% | 646 |
| Tier 1 risk-based capital ratio | 20.0103% | 1,581 |
| Total risk-based capital ratio | 21.1618% | 1,556 |
| Memoranda: | ||
| Average total assets | $98,036,330 | 5,214 |
| Average earning assets | $86,202,670 | 5,328 |
| Average equity | $19,039,670 | 3,383 |
| Average total loans | $68,835,330 | 5,003 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5290% | 7,688 |
| Cost of funding earning assets | 2.2381% | 2,972 |
| Net interest margin | 2.2910% | 7,725 |
| Noninterest income to average assets | 0.1259% | 7,392 |
| Noninterest expense to average assets | 3.7605% | 1,545 |
| Loan and lease loss provision to assets | 0.6337% | 1,992 |
| Net operating income to assets | -1.4102% | 7,462 |
| Return on assets (ROA) | -1.4102% | 7,476 |
| Pretax return on assets | -2.2705% | 7,608 |
| Return on Equity (ROE) | -7.0086% | 7,146 |
| Retained earnings to average equity (ytd only) | -7.0086% | 6,792 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 175.4941% | 260 |
| Assets per employee ($millions) | 4.5372% | 2,659 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2491% | 4,447 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 69.3034% | 3,844 |
| Net loans and leases to deposits | 86.1666% | 3,597 |
| Net loans and leases to core deposits | 107.5311% | 3,740 |
| Total domestic deposits to total assets | 80.4296% | 5,197 |
| Equity capital to assets | 19.0585% | 492 |
| Core capital (leverage) ratio | 17.6922% | 588 |
| Tier 1 risk-based capital ratio | 22.2742% | 1,269 |
| Total risk-based capital ratio | 23.3041% | 1,265 |
| Memoranda: | ||
| Average total assets | $95,307,500 | 5,321 |
| Average earning assets | $83,108,000 | 5,455 |
| Average equity | $19,176,500 | 3,391 |
| Average total loans | $64,000,000 | 5,207 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2524% | 7,645 |
| Cost of funding earning assets | 2.1842% | 5,665 |
| Net interest margin | 3.0682% | 6,744 |
| Noninterest income to average assets | 0.1292% | 7,466 |
| Noninterest expense to average assets | 5.0997% | 596 |
| Loan and lease loss provision to assets | 0.8712% | 1,710 |
| Net operating income to assets | -1.9930% | 7,601 |
| Return on assets (ROA) | -1.9930% | 7,562 |
| Pretax return on assets | -3.1115% | 7,735 |
| Return on Equity (ROE) | -6.6060% | 7,009 |
| Retained earnings to average equity (ytd only) | -6.6060% | 6,740 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 176.7857% | 255 |
| Assets per employee ($millions) | 4.1271% | 3,259 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2494% | 4,153 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 63.0237% | 5,447 |
| Net loans and leases to deposits | 80.6958% | 4,926 |
| Net loans and leases to core deposits | 92.2520% | 5,613 |
| Total domestic deposits to total assets | 78.1004% | 5,678 |
| Equity capital to assets | 21.2884% | 386 |
| Core capital (leverage) ratio | 20.1290% | 439 |
| Tier 1 risk-based capital ratio | 26.8644% | 837 |
| Total risk-based capital ratio | 27.8369% | 837 |
| Memoranda: | ||
| Average total assets | $62,670,000 | 6,291 |
| Average earning assets | $55,765,200 | 6,345 |
| Average equity | $18,907,000 | 3,412 |
| Average total loans | $39,526,600 | 6,188 |