Home > Shamrock Bank of Florida > Performance and Condition Ratios
Shamrock Bank of Florida, 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 | 3.8803% | 4,535 |
| Cost of funding earning assets | 0.6359% | 2,333 |
| Net interest margin | 3.2445% | 4,851 |
| Noninterest income to average assets | 0.0572% | 6,526 |
| Noninterest expense to average assets | 3.2027% | 2,409 |
| Loan and lease loss provision to assets | 1.3438% | 116 |
| Net operating income to assets | -1.3505% | 6,660 |
| Return on assets (ROA) | -1.4194% | 6,666 |
| Pretax return on assets | -1.4194% | 6,657 |
| Return on Equity (ROE) | -18.8051% | 6,680 |
| Retained earnings to average equity (ytd only) | -18.8051% | 6,661 |
| Net charge-offs to loans | 1.7950% | 227 |
| Credit loss provision to net charge-offs | 119.8097% | 1,997 |
| Earnings coverage of net charge-offs (x) | -0.0061% | 5,093 |
| Efficiency ratio | 100.2125% | 468 |
| Assets per employee ($millions) | 5.0849% | 2,082 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1331% | 405 |
| Loan loss allowance to noncurrent loans | 131.7139% | 2,953 |
| Noncurrent assets plus other real estate owned to assets | 1.6192% | 2,294 |
| Noncurrent loans to loans | 2.3787% | 1,612 |
| Net loans and leases to total assets | 65.9372% | 2,699 |
| Net loans and leases to deposits | 74.5682% | 3,182 |
| Net loans and leases to core deposits | 87.0025% | 2,349 |
| Total domestic deposits to total assets | 88.4254% | 1,935 |
| Equity capital to assets | 6.9880% | 6,457 |
| Core capital (leverage) ratio | 8.4341% | 5,739 |
| Tier 1 risk-based capital ratio | 13.8296% | 4,412 |
| Total risk-based capital ratio | 15.1063% | 4,335 |
| Memoranda: | ||
| Average total assets | $103,069,600 | 4,671 |
| Average earning assets | $99,708,400 | 4,526 |
| Average equity | $7,779,800 | 5,398 |
| Average total loans | $64,402,000 | 4,469 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8080% | 4,825 |
| Cost of funding earning assets | 0.6097% | 2,735 |
| Net interest margin | 3.1983% | 5,006 |
| Noninterest income to average assets | 0.0491% | 6,638 |
| Noninterest expense to average assets | 2.9093% | 3,275 |
| Loan and lease loss provision to assets | 1.7428% | 55 |
| Net operating income to assets | -1.5138% | 6,765 |
| Return on assets (ROA) | -1.5088% | 6,766 |
| Pretax return on assets | -1.5088% | 6,758 |
| Return on Equity (ROE) | -19.6736% | 6,768 |
| Retained earnings to average equity (ytd only) | -19.6736% | 6,753 |
| Net charge-offs to loans | 2.5731% | 115 |
| Credit loss provision to net charge-offs | 110.5347% | 2,134 |
| Earnings coverage of net charge-offs (x) | 0.1453% | 4,814 |
| Efficiency ratio | 92.7025% | 808 |
| Assets per employee ($millions) | 5.9362% | 1,280 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8719% | 630 |
| Loan loss allowance to noncurrent loans | 78.7686% | 4,109 |
| Noncurrent assets plus other real estate owned to assets | 2.3336% | 1,685 |
| Noncurrent loans to loans | 3.6460% | 1,017 |
| Net loans and leases to total assets | 62.1682% | 3,331 |
| Net loans and leases to deposits | 69.8420% | 3,811 |
| Net loans and leases to core deposits | 79.6458% | 3,160 |
| Total domestic deposits to total assets | 89.0125% | 1,544 |
| Equity capital to assets | 6.7988% | 6,592 |
| Core capital (leverage) ratio | 8.1705% | 6,088 |
| Tier 1 risk-based capital ratio | 13.2043% | 4,984 |
| Total risk-based capital ratio | 14.4761% | 4,904 |
| Memoranda: | ||
| Average total assets | $105,955,000 | 4,641 |
| Average earning assets | $102,342,500 | 4,493 |
| Average equity | $8,125,750 | 5,359 |
| Average total loans | $64,926,750 | 4,490 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7689% | 4,933 |
| Cost of funding earning assets | 0.6025% | 2,911 |
| Net interest margin | 3.1664% | 5,061 |
| Noninterest income to average assets | 0.0483% | 6,676 |
| Noninterest expense to average assets | 2.7538% | 3,845 |
| Loan and lease loss provision to assets | 2.6014% | 32 |
| Net operating income to assets | -2.2502% | 6,864 |
| Return on assets (ROA) | -2.2335% | 6,869 |
| Pretax return on assets | -2.2335% | 6,864 |
| Return on Equity (ROE) | -28.1257% | 6,858 |
| Retained earnings to average equity (ytd only) | -28.1257% | 6,842 |
| Net charge-offs to loans | 3.9300% | 60 |
| Credit loss provision to net charge-offs | 109.5462% | 2,018 |
| Earnings coverage of net charge-offs (x) | 0.1479% | 4,499 |
| Efficiency ratio | 88.6894% | 1,155 |
| Assets per employee ($millions) | 6.0118% | 1,191 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8336% | 685 |
| Loan loss allowance to noncurrent loans | 72.0422% | 4,325 |
| Noncurrent assets plus other real estate owned to assets | 2.8043% | 1,473 |
| Noncurrent loans to loans | 3.9333% | 1,004 |
| Net loans and leases to total assets | 61.9035% | 3,303 |
| Net loans and leases to deposits | 69.4582% | 3,793 |
| Net loans and leases to core deposits | 76.5015% | 3,483 |
| Total domestic deposits to total assets | 89.1234% | 1,554 |
| Equity capital to assets | 6.6790% | 6,656 |
| Core capital (leverage) ratio | 7.7553% | 6,335 |
| Tier 1 risk-based capital ratio | 12.9145% | 5,211 |
| Total risk-based capital ratio | 14.1845% | 5,124 |
| Memoranda: | ||
| Average total assets | $107,635,000 | 4,622 |
| Average earning assets | $103,902,330 | 4,478 |
| Average equity | $8,547,330 | 5,291 |
| Average total loans | $65,038,330 | 4,498 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7326% | 5,049 |
| Cost of funding earning assets | 0.6341% | 2,805 |
| Net interest margin | 3.0986% | 5,266 |
| Noninterest income to average assets | 0.0616% | 6,693 |
| Noninterest expense to average assets | 2.6352% | 4,295 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.4023% | 5,124 |
| Return on assets (ROA) | 0.4132% | 5,228 |
| Pretax return on assets | 0.4132% | 5,527 |
| Return on Equity (ROE) | 4.8469% | 4,664 |
| Retained earnings to average equity (ytd only) | 4.8469% | 3,331 |
| Net charge-offs to loans | -0.3077% | 6,784 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.7542% | 1,430 |
| Assets per employee ($millions) | 6.2124% | 1,132 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8267% | 795 |
| Loan loss allowance to noncurrent loans | 131.5282% | 2,662 |
| Noncurrent assets plus other real estate owned to assets | 1.4997% | 3,005 |
| Noncurrent loans to loans | 2.1491% | 2,445 |
| Net loans and leases to total assets | 54.5058% | 4,331 |
| Net loans and leases to deposits | 62.1584% | 4,521 |
| Net loans and leases to core deposits | 68.8117% | 4,209 |
| Total domestic deposits to total assets | 87.6886% | 2,525 |
| Equity capital to assets | 8.3936% | 6,108 |
| Core capital (leverage) ratio | 8.5019% | 5,591 |
| Tier 1 risk-based capital ratio | 14.1987% | 4,366 |
| Total risk-based capital ratio | 15.4651% | 4,317 |
| Memoranda: | ||
| Average total assets | $110,352,000 | 4,608 |
| Average earning assets | $105,984,500 | 4,473 |
| Average equity | $9,408,000 | 5,130 |
| Average total loans | $65,002,000 | 4,525 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1631% | 4,720 |
| Cost of funding earning assets | 0.8446% | 2,331 |
| Net interest margin | 3.3184% | 5,191 |
| Noninterest income to average assets | 0.0071% | 6,803 |
| Noninterest expense to average assets | 3.7960% | 1,259 |
| Loan and lease loss provision to assets | 2.8934% | 42 |
| Net operating income to assets | -3.4761% | 7,026 |
| Return on assets (ROA) | -2.9046% | 7,006 |
| Pretax return on assets | -2.9046% | 7,008 |
| Return on Equity (ROE) | -25.4494% | 6,929 |
| Retained earnings to average equity (ytd only) | -25.4494% | 6,902 |
| Net charge-offs to loans | 3.5211% | 108 |
| Credit loss provision to net charge-offs | 127.9856% | 2,201 |
| Earnings coverage of net charge-offs (x) | -0.2578% | 5,598 |
| Efficiency ratio | 118.1357% | 226 |
| Assets per employee ($millions) | 6.0489% | 1,251 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5609% | 1,060 |
| Loan loss allowance to noncurrent loans | 127.6296% | 2,702 |
| Noncurrent assets plus other real estate owned to assets | 1.6918% | 2,860 |
| Noncurrent loans to loans | 2.0065% | 2,688 |
| Net loans and leases to total assets | 60.2107% | 3,567 |
| Net loans and leases to deposits | 71.3782% | 3,512 |
| Net loans and leases to core deposits | 81.9977% | 2,774 |
| Total domestic deposits to total assets | 84.3545% | 4,154 |
| Equity capital to assets | 8.6608% | 5,895 |
| Core capital (leverage) ratio | 9.0237% | 4,868 |
| Tier 1 risk-based capital ratio | 14.0835% | 4,318 |
| Total risk-based capital ratio | 15.3493% | 4,265 |
| Memoranda: | ||
| Average total assets | $98,156,000 | 4,883 |
| Average earning assets | $94,833,600 | 4,734 |
| Average equity | $11,202,600 | 4,722 |
| Average total loans | $63,020,000 | 4,599 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2978% | 4,462 |
| Cost of funding earning assets | 0.8674% | 2,409 |
| Net interest margin | 3.4305% | 4,920 |
| Noninterest income to average assets | -0.0265% | 6,980 |
| Noninterest expense to average assets | 3.4396% | 1,898 |
| Loan and lease loss provision to assets | 2.8838% | 43 |
| Net operating income to assets | -3.0304% | 7,113 |
| Return on assets (ROA) | -2.5067% | 7,092 |
| Pretax return on assets | -2.5067% | 7,081 |
| Return on Equity (ROE) | -20.5506% | 6,995 |
| Retained earnings to average equity (ytd only) | -20.5506% | 6,979 |
| Net charge-offs to loans | 3.8651% | 97 |
| Credit loss provision to net charge-offs | 114.9777% | 2,534 |
| Earnings coverage of net charge-offs (x) | -0.0585% | 5,355 |
| Efficiency ratio | 104.4529% | 414 |
| Assets per employee ($millions) | 5.3003% | 1,830 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0733% | 1,971 |
| Loan loss allowance to noncurrent loans | 32.4037% | 6,022 |
| Noncurrent assets plus other real estate owned to assets | 4.2014% | 1,131 |
| Noncurrent loans to loans | 6.3982% | 601 |
| Net loans and leases to total assets | 64.3037% | 2,977 |
| Net loans and leases to deposits | 78.4724% | 2,604 |
| Net loans and leases to core deposits | 85.2728% | 2,555 |
| Total domestic deposits to total assets | 81.9443% | 5,048 |
| Equity capital to assets | 10.8078% | 3,495 |
| Core capital (leverage) ratio | 10.7155% | 2,683 |
| Tier 1 risk-based capital ratio | 15.9081% | 3,318 |
| Total risk-based capital ratio | 17.1679% | 3,281 |
| Memoranda: | ||
| Average total assets | $95,474,750 | 5,002 |
| Average earning assets | $92,385,250 | 4,838 |
| Average equity | $11,645,750 | 4,681 |
| Average total loans | $61,954,750 | 4,685 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3161% | 4,499 |
| Cost of funding earning assets | 0.8835% | 2,535 |
| Net interest margin | 3.4325% | 4,958 |
| Noninterest income to average assets | -0.0832% | 7,080 |
| Noninterest expense to average assets | 3.4780% | 1,836 |
| Loan and lease loss provision to assets | 3.8621% | 28 |
| Net operating income to assets | -4.1075% | 7,195 |
| Return on assets (ROA) | -3.8856% | 7,192 |
| Pretax return on assets | -3.8856% | 7,185 |
| Return on Equity (ROE) | -30.6059% | 7,107 |
| Retained earnings to average equity (ytd only) | -30.6059% | 7,096 |
| Net charge-offs to loans | 4.4779% | 92 |
| Credit loss provision to net charge-offs | 133.4808% | 2,056 |
| Earnings coverage of net charge-offs (x) | -0.0848% | 5,123 |
| Efficiency ratio | 107.5908% | 369 |
| Assets per employee ($millions) | 5.9702% | 1,254 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4831% | 1,305 |
| Loan loss allowance to noncurrent loans | 33.2053% | 6,008 |
| Noncurrent assets plus other real estate owned to assets | 4.9056% | 980 |
| Noncurrent loans to loans | 7.4780% | 490 |
| Net loans and leases to total assets | 63.9720% | 3,041 |
| Net loans and leases to deposits | 79.0991% | 2,513 |
| Net loans and leases to core deposits | 86.1550% | 2,413 |
| Total domestic deposits to total assets | 80.8758% | 5,511 |
| Equity capital to assets | 11.2852% | 2,808 |
| Core capital (leverage) ratio | 10.8800% | 2,413 |
| Tier 1 risk-based capital ratio | 17.1474% | 2,606 |
| Total risk-based capital ratio | 18.4137% | 2,566 |
| Memoranda: | ||
| Average total assets | $93,731,330 | 5,078 |
| Average earning assets | $90,545,330 | 4,913 |
| Average equity | $11,899,670 | 4,628 |
| Average total loans | $60,563,670 | 4,768 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1562% | 5,258 |
| Cost of funding earning assets | 0.9047% | 2,650 |
| Net interest margin | 3.2515% | 5,624 |
| Noninterest income to average assets | -0.0388% | 7,129 |
| Noninterest expense to average assets | 3.0419% | 3,108 |
| Loan and lease loss provision to assets | 0.0431% | 4,858 |
| Net operating income to assets | -0.0067% | 6,427 |
| Return on assets (ROA) | 0.0732% | 6,409 |
| Pretax return on assets | 0.1293% | 6,336 |
| Return on Equity (ROE) | 0.5458% | 6,430 |
| Retained earnings to average equity (ytd only) | 0.5458% | 5,826 |
| Net charge-offs to loans | -0.2420% | 7,027 |
| Credit loss provision to net charge-offs | -27.7778% | 5,391 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.4658% | 612 |
| Assets per employee ($millions) | 5.9611% | 1,307 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8712% | 2,767 |
| Loan loss allowance to noncurrent loans | 33.3915% | 6,000 |
| Noncurrent assets plus other real estate owned to assets | 4.3176% | 1,254 |
| Noncurrent loans to loans | 5.6039% | 942 |
| Net loans and leases to total assets | 63.1200% | 3,015 |
| Net loans and leases to deposits | 79.4536% | 2,282 |
| Net loans and leases to core deposits | 86.7189% | 2,209 |
| Total domestic deposits to total assets | 79.4426% | 5,989 |
| Equity capital to assets | 13.1101% | 1,395 |
| Core capital (leverage) ratio | 13.2236% | 1,050 |
| Tier 1 risk-based capital ratio | 19.7745% | 1,767 |
| Total risk-based capital ratio | 21.0324% | 1,735 |
| Memoranda: | ||
| Average total assets | $92,835,500 | 5,132 |
| Average earning assets | $89,313,000 | 4,986 |
| Average equity | $12,459,500 | 4,515 |
| Average total loans | $59,513,500 | 4,836 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3757% | 5,515 |
| Cost of funding earning assets | 1.1523% | 2,339 |
| Net interest margin | 3.2233% | 6,028 |
| Noninterest income to average assets | -0.0902% | 7,094 |
| Noninterest expense to average assets | 3.1613% | 2,994 |
| Loan and lease loss provision to assets | 1.5721% | 456 |
| Net operating income to assets | -1.8817% | 7,006 |
| Return on assets (ROA) | -1.7647% | 6,993 |
| Pretax return on assets | -1.7647% | 6,965 |
| Return on Equity (ROE) | -11.3038% | 6,773 |
| Retained earnings to average equity (ytd only) | -11.3038% | 6,742 |
| Net charge-offs to loans | 3.3637% | 238 |
| Credit loss provision to net charge-offs | 70.1087% | 4,845 |
| Earnings coverage of net charge-offs (x) | -0.1380% | 5,916 |
| Efficiency ratio | 110.8547% | 423 |
| Assets per employee ($millions) | 6.9457% | 756 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9106% | 2,537 |
| Loan loss allowance to noncurrent loans | 55.8540% | 4,721 |
| Noncurrent assets plus other real estate owned to assets | 3.0921% | 1,936 |
| Noncurrent loans to loans | 3.4208% | 1,887 |
| Net loans and leases to total assets | 62.6564% | 3,479 |
| Net loans and leases to deposits | 79.9308% | 2,536 |
| Net loans and leases to core deposits | 90.9668% | 1,991 |
| Total domestic deposits to total assets | 78.3884% | 6,119 |
| Equity capital to assets | 13.7495% | 1,152 |
| Core capital (leverage) ratio | 14.6186% | 686 |
| Tier 1 risk-based capital ratio | 21.5129% | 1,318 |
| Total risk-based capital ratio | 22.7693% | 1,285 |
| Memoranda: | ||
| Average total assets | $82,053,800 | 5,404 |
| Average earning assets | $74,891,200 | 5,378 |
| Average equity | $12,809,800 | 4,374 |
| Average total loans | $54,701,000 | 5,084 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4567% | 5,404 |
| Cost of funding earning assets | 1.2323% | 2,103 |
| Net interest margin | 3.2244% | 6,095 |
| Noninterest income to average assets | -0.1450% | 7,244 |
| Noninterest expense to average assets | 3.2418% | 2,688 |
| Loan and lease loss provision to assets | 2.1001% | 245 |
| Net operating income to assets | -2.5868% | 7,220 |
| Return on assets (ROA) | -2.5068% | 7,219 |
| Pretax return on assets | -2.5068% | 7,208 |
| Return on Equity (ROE) | -15.5346% | 7,026 |
| Retained earnings to average equity (ytd only) | -15.5346% | 7,000 |
| Net charge-offs to loans | 3.9833% | 168 |
| Credit loss provision to net charge-offs | 78.1638% | 4,203 |
| Earnings coverage of net charge-offs (x) | -0.1811% | 5,711 |
| Efficiency ratio | 117.6649% | 331 |
| Assets per employee ($millions) | 7.0999% | 703 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2996% | 1,691 |
| Loan loss allowance to noncurrent loans | 92.4609% | 3,162 |
| Noncurrent assets plus other real estate owned to assets | 2.0730% | 3,055 |
| Noncurrent loans to loans | 2.4871% | 2,786 |
| Net loans and leases to total assets | 70.7192% | 1,941 |
| Net loans and leases to deposits | 92.5623% | 962 |
| Net loans and leases to core deposits | 106.5680% | 836 |
| Total domestic deposits to total assets | 76.4017% | 6,472 |
| Equity capital to assets | 15.8069% | 666 |
| Core capital (leverage) ratio | 15.5870% | 562 |
| Tier 1 risk-based capital ratio | 23.2894% | 1,107 |
| Total risk-based capital ratio | 24.5548% | 1,087 |
| Memoranda: | ||
| Average total assets | $79,993,750 | 5,506 |
| Average earning assets | $71,950,500 | 5,517 |
| Average equity | $12,908,500 | 4,368 |
| Average total loans | $53,957,000 | 5,161 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2219% | 6,234 |
| Cost of funding earning assets | 1.2736% | 2,097 |
| Net interest margin | 2.9483% | 6,698 |
| Noninterest income to average assets | -0.2233% | 7,346 |
| Noninterest expense to average assets | 3.3215% | 2,490 |
| Loan and lease loss provision to assets | 3.0015% | 153 |
| Net operating income to assets | -3.9392% | 7,387 |
| Return on assets (ROA) | -3.9318% | 7,387 |
| Pretax return on assets | -3.9318% | 7,383 |
| Return on Equity (ROE) | -24.2053% | 7,188 |
| Retained earnings to average equity (ytd only) | -24.2053% | 7,178 |
| Net charge-offs to loans | 5.9398% | 87 |
| Credit loss provision to net charge-offs | 76.7280% | 3,865 |
| Earnings coverage of net charge-offs (x) | -0.2397% | 5,425 |
| Efficiency ratio | 139.3340% | 204 |
| Assets per employee ($millions) | 6.0535% | 1,158 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3451% | 1,671 |
| Loan loss allowance to noncurrent loans | 91.3940% | 3,130 |
| Noncurrent assets plus other real estate owned to assets | 2.3661% | 2,787 |
| Noncurrent loans to loans | 2.5659% | 2,810 |
| Net loans and leases to total assets | 67.9967% | 2,615 |
| Net loans and leases to deposits | 88.5385% | 1,425 |
| Net loans and leases to core deposits | 103.7076% | 1,058 |
| Total domestic deposits to total assets | 76.7990% | 6,482 |
| Equity capital to assets | 15.4686% | 707 |
| Core capital (leverage) ratio | 15.2340% | 625 |
| Tier 1 risk-based capital ratio | 24.0247% | 1,006 |
| Total risk-based capital ratio | 25.2914% | 986 |
| Memoranda: | ||
| Average total assets | $80,625,330 | 5,531 |
| Average earning assets | $71,295,000 | 5,581 |
| Average equity | $13,096,330 | 4,319 |
| Average total loans | $53,099,000 | 5,244 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1184% | 6,473 |
| Cost of funding earning assets | 1.2745% | 2,337 |
| Net interest margin | 2.8439% | 6,843 |
| Noninterest income to average assets | 0.1177% | 6,822 |
| Noninterest expense to average assets | 3.1229% | 3,170 |
| Loan and lease loss provision to assets | 0.1471% | 4,173 |
| Net operating income to assets | -0.6471% | 6,894 |
| Return on assets (ROA) | -0.6471% | 6,897 |
| Pretax return on assets | -0.6471% | 6,843 |
| Return on Equity (ROE) | -3.8944% | 6,730 |
| Retained earnings to average equity (ytd only) | -3.8944% | 6,400 |
| Net charge-offs to loans | 2.3425% | 512 |
| Credit loss provision to net charge-offs | 9.8039% | 4,384 |
| Earnings coverage of net charge-offs (x) | -0.3333% | 4,741 |
| Efficiency ratio | 119.0654% | 355 |
| Assets per employee ($millions) | 6.3101% | 1,027 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5600% | 1,368 |
| Loan loss allowance to noncurrent loans | 36.1629% | 5,888 |
| Noncurrent assets plus other real estate owned to assets | 5.6601% | 1,051 |
| Noncurrent loans to loans | 7.0789% | 771 |
| Net loans and leases to total assets | 63.8478% | 3,460 |
| Net loans and leases to deposits | 83.8335% | 2,056 |
| Net loans and leases to core deposits | 96.6935% | 1,620 |
| Total domestic deposits to total assets | 76.1602% | 6,646 |
| Equity capital to assets | 16.4535% | 506 |
| Core capital (leverage) ratio | 16.6743% | 420 |
| Tier 1 risk-based capital ratio | 26.6528% | 733 |
| Total risk-based capital ratio | 27.9207% | 717 |
| Memoranda: | ||
| Average total assets | $81,590,500 | 5,540 |
| Average earning assets | $71,873,000 | 5,609 |
| Average equity | $13,558,000 | 4,201 |
| Average total loans | $52,251,000 | 5,320 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4229% | 6,571 |
| Cost of funding earning assets | 1.2972% | 3,905 |
| Net interest margin | 3.1257% | 6,447 |
| Noninterest income to average assets | -0.1134% | 7,401 |
| Noninterest expense to average assets | 3.0345% | 3,712 |
| Loan and lease loss provision to assets | 4.6315% | 94 |
| Net operating income to assets | -4.9909% | 7,533 |
| Return on assets (ROA) | -4.9909% | 7,540 |
| Pretax return on assets | -4.9909% | 7,538 |
| Return on Equity (ROE) | -24.8774% | 7,133 |
| Retained earnings to average equity (ytd only) | -24.8774% | 7,113 |
| Net charge-offs to loans | 5.2002% | 161 |
| Credit loss provision to net charge-offs | 133.0648% | 2,948 |
| Earnings coverage of net charge-offs (x) | -0.1033% | 6,222 |
| Efficiency ratio | 113.4350% | 482 |
| Assets per employee ($millions) | 6.7625% | 835 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2571% | 698 |
| Loan loss allowance to noncurrent loans | 76.1751% | 3,681 |
| Noncurrent assets plus other real estate owned to assets | 3.6168% | 1,901 |
| Noncurrent loans to loans | 4.2758% | 1,693 |
| Net loans and leases to total assets | 60.5028% | 4,582 |
| Net loans and leases to deposits | 76.1528% | 3,816 |
| Net loans and leases to core deposits | 94.1964% | 2,233 |
| Total domestic deposits to total assets | 79.4492% | 5,984 |
| Equity capital to assets | 16.7825% | 479 |
| Core capital (leverage) ratio | 16.6192% | 434 |
| Tier 1 risk-based capital ratio | 27.8338% | 622 |
| Total risk-based capital ratio | 29.1094% | 603 |
| Memoranda: | ||
| Average total assets | $78,463,400 | 5,630 |
| Average earning assets | $69,999,600 | 5,671 |
| Average equity | $15,741,200 | 3,813 |
| Average total loans | $52,516,800 | 5,379 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4320% | 6,762 |
| Cost of funding earning assets | 1.2750% | 4,403 |
| Net interest margin | 3.1570% | 6,463 |
| Noninterest income to average assets | 0.0686% | 7,189 |
| Noninterest expense to average assets | 3.0354% | 3,625 |
| Loan and lease loss provision to assets | 4.1632% | 141 |
| Net operating income to assets | -4.2951% | 7,594 |
| Return on assets (ROA) | -4.2951% | 7,605 |
| Pretax return on assets | -4.2951% | 7,590 |
| Return on Equity (ROE) | -20.5341% | 7,233 |
| Retained earnings to average equity (ytd only) | -20.5341% | 7,218 |
| Net charge-offs to loans | 3.8772% | 324 |
| Credit loss provision to net charge-offs | 157.7273% | 2,423 |
| Earnings coverage of net charge-offs (x) | -0.0500% | 6,069 |
| Efficiency ratio | 104.5455% | 621 |
| Assets per employee ($millions) | 7.0629% | 747 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0414% | 791 |
| Loan loss allowance to noncurrent loans | 42.5493% | 5,451 |
| Noncurrent assets plus other real estate owned to assets | 4.8693% | 1,336 |
| Noncurrent loans to loans | 7.1479% | 769 |
| Net loans and leases to total assets | 61.6495% | 4,601 |
| Net loans and leases to deposits | 82.2112% | 3,063 |
| Net loans and leases to core deposits | 100.5833% | 1,793 |
| Total domestic deposits to total assets | 74.9891% | 6,799 |
| Equity capital to assets | 17.8137% | 429 |
| Core capital (leverage) ratio | 18.4523% | 325 |
| Tier 1 risk-based capital ratio | 28.5291% | 597 |
| Total risk-based capital ratio | 29.8026% | 580 |
| Memoranda: | ||
| Average total assets | $77,791,750 | 5,724 |
| Average earning assets | $69,854,500 | 5,741 |
| Average equity | $16,271,750 | 3,760 |
| Average total loans | $52,958,250 | 5,440 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4163% | 6,866 |
| Cost of funding earning assets | 1.2461% | 4,855 |
| Net interest margin | 3.1702% | 6,403 |
| Noninterest income to average assets | 0.0848% | 7,156 |
| Noninterest expense to average assets | 3.1429% | 3,128 |
| Loan and lease loss provision to assets | 3.3258% | 277 |
| Net operating income to assets | -3.4848% | 7,577 |
| Return on assets (ROA) | -3.4848% | 7,584 |
| Pretax return on assets | -3.4848% | 7,546 |
| Return on Equity (ROE) | -15.7835% | 7,166 |
| Retained earnings to average equity (ytd only) | -15.7835% | 7,128 |
| Net charge-offs to loans | 1.2346% | 1,544 |
| Credit loss provision to net charge-offs | 386.1538% | 940 |
| Earnings coverage of net charge-offs (x) | -0.1846% | 5,862 |
| Efficiency ratio | 105.3286% | 642 |
| Assets per employee ($millions) | 6.4478% | 971 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0693% | 781 |
| Loan loss allowance to noncurrent loans | 34.7754% | 6,048 |
| Noncurrent assets plus other real estate owned to assets | 6.5991% | 839 |
| Noncurrent loans to loans | 8.8260% | 545 |
| Net loans and leases to total assets | 68.5708% | 3,232 |
| Net loans and leases to deposits | 96.3831% | 1,012 |
| Net loans and leases to core deposits | 121.0247% | 665 |
| Total domestic deposits to total assets | 71.1441% | 7,254 |
| Equity capital to assets | 20.9993% | 235 |
| Core capital (leverage) ratio | 20.7335% | 211 |
| Tier 1 risk-based capital ratio | 30.3641% | 490 |
| Total risk-based capital ratio | 31.6380% | 481 |
| Memoranda: | ||
| Average total assets | $75,470,670 | 5,821 |
| Average earning assets | $69,017,670 | 5,801 |
| Average equity | $16,663,000 | 3,693 |
| Average total loans | $52,647,670 | 5,482 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4076% | 6,986 |
| Cost of funding earning assets | 1.2047% | 5,383 |
| Net interest margin | 3.2029% | 6,284 |
| Noninterest income to average assets | 0.1074% | 7,159 |
| Noninterest expense to average assets | 3.1294% | 3,143 |
| Loan and lease loss provision to assets | 5.8884% | 121 |
| Net operating income to assets | -5.9421% | 7,816 |
| Return on assets (ROA) | -5.9421% | 7,819 |
| Pretax return on assets | -5.9421% | 7,800 |
| Return on Equity (ROE) | -26.2470% | 7,517 |
| Retained earnings to average equity (ytd only) | -26.2470% | 7,479 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.7452% | 789 |
| Assets per employee ($millions) | 6.8761% | 844 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4835% | 559 |
| Loan loss allowance to noncurrent loans | 40.0825% | 5,691 |
| Noncurrent assets plus other real estate owned to assets | 6.4558% | 886 |
| Noncurrent loans to loans | 8.6907% | 581 |
| Net loans and leases to total assets | 67.6587% | 3,474 |
| Net loans and leases to deposits | 96.1502% | 1,087 |
| Net loans and leases to core deposits | 120.3466% | 772 |
| Total domestic deposits to total assets | 70.3677% | 7,387 |
| Equity capital to assets | 21.6243% | 223 |
| Core capital (leverage) ratio | 21.7879% | 191 |
| Tier 1 risk-based capital ratio | 30.9850% | 474 |
| Total risk-based capital ratio | 32.2621% | 466 |
| Memoranda: | ||
| Average total assets | $74,519,000 | 5,919 |
| Average earning assets | $69,062,000 | 5,876 |
| Average equity | $16,870,500 | 3,680 |
| Average total loans | $51,603,500 | 5,604 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8087% | 6,932 |
| Cost of funding earning assets | 1.5802% | 5,126 |
| Net interest margin | 3.2286% | 6,001 |
| Noninterest income to average assets | 0.1196% | 7,157 |
| Noninterest expense to average assets | 3.5990% | 2,146 |
| Loan and lease loss provision to assets | 1.2930% | 1,790 |
| Net operating income to assets | -1.6943% | 6,955 |
| Return on assets (ROA) | -1.6943% | 6,961 |
| Pretax return on assets | -1.6943% | 6,815 |
| Return on Equity (ROE) | -6.2315% | 6,328 |
| Retained earnings to average equity (ytd only) | -6.2315% | 6,173 |
| Net charge-offs to loans | 1.9633% | 1,254 |
| Credit loss provision to net charge-offs | 91.4347% | 5,957 |
| Earnings coverage of net charge-offs (x) | -0.2837% | 6,530 |
| Efficiency ratio | 112.5473% | 753 |
| Assets per employee ($millions) | 6.1168% | 1,173 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4945% | 3,758 |
| Loan loss allowance to noncurrent loans | 20.7871% | 7,024 |
| Noncurrent assets plus other real estate owned to assets | 5.2901% | 1,120 |
| Noncurrent loans to loans | 7.1894% | 757 |
| Net loans and leases to total assets | 67.3492% | 3,846 |
| Net loans and leases to deposits | 98.9452% | 1,005 |
| Net loans and leases to core deposits | 121.9744% | 1,781 |
| Total domestic deposits to total assets | 68.0672% | 7,544 |
| Equity capital to assets | 23.6850% | 193 |
| Core capital (leverage) ratio | 23.7480% | 179 |
| Tier 1 risk-based capital ratio | 34.3300% | 358 |
| Total risk-based capital ratio | 35.5836% | 352 |
| Memoranda: | ||
| Average total assets | $66,046,000 | 6,138 |
| Average earning assets | $62,968,600 | 6,036 |
| Average equity | $17,957,200 | 3,510 |
| Average total loans | $47,573,600 | 5,780 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9072% | 6,865 |
| Cost of funding earning assets | 1.6605% | 5,104 |
| Net interest margin | 3.2467% | 5,853 |
| Noninterest income to average assets | 0.1184% | 7,301 |
| Noninterest expense to average assets | 3.6880% | 1,847 |
| Loan and lease loss provision to assets | 1.2210% | 1,587 |
| Net operating income to assets | -1.7007% | 7,192 |
| Return on assets (ROA) | -1.7007% | 7,188 |
| Pretax return on assets | -1.7007% | 7,048 |
| Return on Equity (ROE) | -6.0329% | 6,559 |
| Retained earnings to average equity (ytd only) | -6.0329% | 6,392 |
| Net charge-offs to loans | 2.2591% | 841 |
| Credit loss provision to net charge-offs | 73.9623% | 5,904 |
| Earnings coverage of net charge-offs (x) | -0.2906% | 6,351 |
| Efficiency ratio | 114.9515% | 675 |
| Assets per employee ($millions) | 6.6462% | 927 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2251% | 4,976 |
| Loan loss allowance to noncurrent loans | 17.0825% | 7,234 |
| Noncurrent assets plus other real estate owned to assets | 5.4331% | 1,062 |
| Noncurrent loans to loans | 7.1718% | 739 |
| Net loans and leases to total assets | 68.7052% | 3,797 |
| Net loans and leases to deposits | 95.9686% | 1,584 |
| Net loans and leases to core deposits | 118.1275% | 2,401 |
| Total domestic deposits to total assets | 71.5913% | 7,263 |
| Equity capital to assets | 24.1766% | 192 |
| Core capital (leverage) ratio | 26.5718% | 154 |
| Tier 1 risk-based capital ratio | 33.5752% | 415 |
| Total risk-based capital ratio | 34.7587% | 409 |
| Memoranda: | ||
| Average total assets | $64,207,250 | 6,244 |
| Average earning assets | $61,105,750 | 6,140 |
| Average equity | $18,100,250 | 3,517 |
| Average total loans | $46,920,750 | 5,853 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0329% | 6,667 |
| Cost of funding earning assets | 1.8004% | 4,759 |
| Net interest margin | 3.2325% | 5,794 |
| Noninterest income to average assets | 0.0882% | 7,535 |
| Noninterest expense to average assets | 3.8014% | 1,654 |
| Loan and lease loss provision to assets | 0.6466% | 2,491 |
| Net operating income to assets | -1.2933% | 7,159 |
| Return on assets (ROA) | -1.2933% | 7,165 |
| Pretax return on assets | -1.2933% | 6,984 |
| Return on Equity (ROE) | -4.3416% | 6,523 |
| Retained earnings to average equity (ytd only) | -4.3416% | 6,193 |
| Net charge-offs to loans | 0.0219% | 6,193 |
| Credit loss provision to net charge-offs | 3,960.0000% | 128 |
| Earnings coverage of net charge-offs (x) | -39.6000% | 6,588 |
| Efficiency ratio | 120.4969% | 657 |
| Assets per employee ($millions) | 5.2568% | 1,806 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0176% | 1,534 |
| Loan loss allowance to noncurrent loans | 35.1305% | 6,100 |
| Noncurrent assets plus other real estate owned to assets | 4.6162% | 1,201 |
| Noncurrent loans to loans | 5.7430% | 976 |
| Net loans and leases to total assets | 78.7578% | 1,582 |
| Net loans and leases to deposits | 118.4682% | 270 |
| Net loans and leases to core deposits | 146.2483% | 749 |
| Total domestic deposits to total assets | 66.4801% | 7,711 |
| Equity capital to assets | 28.6120% | 153 |
| Core capital (leverage) ratio | 28.5685% | 155 |
| Tier 1 risk-based capital ratio | 37.2332% | 365 |
| Total risk-based capital ratio | 38.4931% | 356 |
| Memoranda: | ||
| Average total assets | $61,240,330 | 6,402 |
| Average earning assets | $58,097,330 | 6,309 |
| Average equity | $18,242,000 | 3,517 |
| Average total loans | $45,610,330 | 5,954 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9604% | 7,031 |
| Cost of funding earning assets | 1.9208% | 4,533 |
| Net interest margin | 3.0396% | 6,374 |
| Noninterest income to average assets | 0.0597% | 7,775 |
| Noninterest expense to average assets | 3.6605% | 1,728 |
| Loan and lease loss provision to assets | 0.5504% | 2,271 |
| Net operating income to assets | -1.2865% | 7,407 |
| Return on assets (ROA) | -1.2865% | 7,423 |
| Pretax return on assets | -1.2865% | 7,294 |
| Return on Equity (ROE) | -4.2315% | 6,908 |
| Retained earnings to average equity (ytd only) | -4.2315% | 6,451 |
| Net charge-offs to loans | 0.0464% | 4,830 |
| Credit loss provision to net charge-offs | 1,660.0000% | 377 |
| Earnings coverage of net charge-offs (x) | -22.2000% | 5,668 |
| Efficiency ratio | 125.1701% | 568 |
| Assets per employee ($millions) | 4.9495% | 2,119 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0330% | 1,351 |
| Loan loss allowance to noncurrent loans | 31.1813% | 6,465 |
| Noncurrent assets plus other real estate owned to assets | 4.5257% | 1,060 |
| Noncurrent loans to loans | 6.5198% | 679 |
| Net loans and leases to total assets | 68.0032% | 4,139 |
| Net loans and leases to deposits | 95.0887% | 2,095 |
| Net loans and leases to core deposits | 113.7554% | 3,028 |
| Total domestic deposits to total assets | 71.5156% | 7,277 |
| Equity capital to assets | 28.3492% | 165 |
| Core capital (leverage) ratio | 29.0043% | 165 |
| Tier 1 risk-based capital ratio | 40.0726% | 326 |
| Total risk-based capital ratio | 41.3308% | 317 |
| Memoranda: | ||
| Average total assets | $60,319,500 | 6,462 |
| Average earning assets | $56,850,000 | 6,383 |
| Average equity | $18,338,500 | 3,510 |
| Average total loans | $43,063,000 | 6,090 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7392% | 6,644 |
| Cost of funding earning assets | 2.1396% | 5,877 |
| Net interest margin | 3.5997% | 4,888 |
| Noninterest income to average assets | 0.1436% | 7,386 |
| Noninterest expense to average assets | 4.6914% | 769 |
| Loan and lease loss provision to assets | 1.4001% | 990 |
| Net operating income to assets | -2.4653% | 7,700 |
| Return on assets (ROA) | -2.4653% | 7,671 |
| Pretax return on assets | -2.4653% | 7,583 |
| Return on Equity (ROE) | -6.2194% | 6,978 |
| Retained earnings to average equity (ytd only) | -6.2194% | 6,690 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 129.3746% | 470 |
| Assets per employee ($millions) | 5.1177% | 1,815 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0018% | 1,218 |
| Loan loss allowance to noncurrent loans | 78.8973% | 4,164 |
| Noncurrent assets plus other real estate owned to assets | 1.8687% | 2,633 |
| Noncurrent loans to loans | 2.5373% | 2,144 |
| Net loans and leases to total assets | 72.1769% | 3,540 |
| Net loans and leases to deposits | 116.7720% | 489 |
| Net loans and leases to core deposits | 127.2932% | 2,058 |
| Total domestic deposits to total assets | 61.8101% | 7,894 |
| Equity capital to assets | 32.7489% | 143 |
| Core capital (leverage) ratio | 33.3830% | 151 |
| Tier 1 risk-based capital ratio | 43.7723% | 274 |
| Total risk-based capital ratio | 45.0317% | 275 |
| Memoranda: | ||
| Average total assets | $48,066,800 | 6,859 |
| Average earning assets | $46,504,400 | 6,743 |
| Average equity | $19,053,400 | 3,384 |
| Average total loans | $32,375,000 | 6,589 |