Home > State Bank of Riverdale > Performance and Condition Ratios
State Bank of Riverdale, 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 | 4.6173% | 1,813 |
| Cost of funding earning assets | 0.4652% | 3,964 |
| Net interest margin | 4.1520% | 1,490 |
| Noninterest income to average assets | 0.5835% | 3,190 |
| Noninterest expense to average assets | 3.2358% | 2,321 |
| Loan and lease loss provision to assets | 0.0348% | 4,427 |
| Net operating income to assets | 0.6498% | 4,030 |
| Return on assets (ROA) | 0.6498% | 4,139 |
| Pretax return on assets | 1.0757% | 3,046 |
| Return on Equity (ROE) | 7.3718% | 3,370 |
| Retained earnings to average equity (ytd only) | 3.6243% | 3,644 |
| Net charge-offs to loans | 0.0073% | 5,312 |
| Credit loss provision to net charge-offs | 640.0000% | 366 |
| Earnings coverage of net charge-offs (x) | 204.4000% | 220 |
| Efficiency ratio | 71.4250% | 3,584 |
| Assets per employee ($millions) | 4.7450% | 2,520 |
| Cash dividends to net income (ytd only)* | 50.8361% | 2,237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8071% | 6,155 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 79.1233% | 697 |
| Net loans and leases to deposits | 95.5561% | 760 |
| Net loans and leases to core deposits | 97.2454% | 1,365 |
| Total domestic deposits to total assets | 82.8030% | 4,609 |
| Equity capital to assets | 8.5490% | 5,533 |
| Core capital (leverage) ratio | 7.7670% | 6,266 |
| Tier 1 risk-based capital ratio | 8.3906% | 6,683 |
| Total risk-based capital ratio | 9.1113% | 6,701 |
| Memoranda: | ||
| Average total assets | $92,033,000 | 4,930 |
| Average earning assets | $83,404,600 | 4,945 |
| Average equity | $8,112,000 | 5,306 |
| Average total loans | $68,512,400 | 4,322 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5340% | 2,105 |
| Cost of funding earning assets | 0.4756% | 4,014 |
| Net interest margin | 4.0584% | 1,764 |
| Noninterest income to average assets | 0.6249% | 3,012 |
| Noninterest expense to average assets | 2.7493% | 3,830 |
| Loan and lease loss provision to assets | 0.0365% | 4,286 |
| Net operating income to assets | 0.9461% | 2,615 |
| Return on assets (ROA) | 0.9461% | 2,722 |
| Pretax return on assets | 1.5273% | 1,529 |
| Return on Equity (ROE) | 10.6510% | 1,941 |
| Retained earnings to average equity (ytd only) | 10.6510% | 649 |
| Net charge-offs to loans | -0.0040% | 5,756 |
| Credit loss provision to net charge-offs | -1,250.0000% | 6,218 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6635% | 5,334 |
| Assets per employee ($millions) | 4.6995% | 2,578 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8108% | 6,258 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 79.5242% | 603 |
| Net loans and leases to deposits | 95.2468% | 746 |
| Net loans and leases to core deposits | 97.1825% | 1,298 |
| Total domestic deposits to total assets | 83.4927% | 4,385 |
| Equity capital to assets | 9.0096% | 5,174 |
| Core capital (leverage) ratio | 8.1470% | 6,111 |
| Tier 1 risk-based capital ratio | 8.9131% | 6,729 |
| Total risk-based capital ratio | 10.2277% | 6,726 |
| Memoranda: | ||
| Average total assets | $91,316,250 | 4,995 |
| Average earning assets | $82,986,250 | 4,997 |
| Average equity | $8,111,750 | 5,365 |
| Average total loans | $66,715,750 | 4,420 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3980% | 2,571 |
| Cost of funding earning assets | 0.4900% | 3,987 |
| Net interest margin | 3.9079% | 2,192 |
| Noninterest income to average assets | 0.6724% | 2,780 |
| Noninterest expense to average assets | 2.8023% | 3,666 |
| Loan and lease loss provision to assets | 0.0553% | 3,897 |
| Net operating income to assets | 0.8338% | 3,127 |
| Return on assets (ROA) | 0.8338% | 3,281 |
| Pretax return on assets | 1.3602% | 2,082 |
| Return on Equity (ROE) | 9.4333% | 2,441 |
| Retained earnings to average equity (ytd only) | 9.4333% | 984 |
| Net charge-offs to loans | -0.0063% | 5,677 |
| Credit loss provision to net charge-offs | -1,250.0000% | 6,060 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2407% | 4,975 |
| Assets per employee ($millions) | 4.5331% | 2,767 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8786% | 6,195 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 76.0294% | 983 |
| Net loans and leases to deposits | 85.4425% | 1,633 |
| Net loans and leases to core deposits | 87.4046% | 2,182 |
| Total domestic deposits to total assets | 88.9831% | 1,641 |
| Equity capital to assets | 9.0403% | 5,179 |
| Core capital (leverage) ratio | 7.7849% | 6,315 |
| Tier 1 risk-based capital ratio | 9.1473% | 6,750 |
| Total risk-based capital ratio | 10.5535% | 6,728 |
| Memoranda: | ||
| Average total assets | $90,425,330 | 5,053 |
| Average earning assets | $82,038,000 | 5,051 |
| Average equity | $7,993,000 | 5,432 |
| Average total loans | $63,836,000 | 4,546 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2132% | 3,249 |
| Cost of funding earning assets | 0.5076% | 4,006 |
| Net interest margin | 3.7057% | 2,828 |
| Noninterest income to average assets | 0.5891% | 3,195 |
| Noninterest expense to average assets | 2.8126% | 3,651 |
| Loan and lease loss provision to assets | 0.0664% | 3,529 |
| Net operating income to assets | 0.6334% | 4,063 |
| Return on assets (ROA) | 0.6334% | 4,218 |
| Pretax return on assets | 1.0409% | 3,183 |
| Return on Equity (ROE) | 7.2483% | 3,353 |
| Retained earnings to average equity (ytd only) | 7.2483% | 2,049 |
| Net charge-offs to loans | -0.0066% | 5,327 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,692 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3616% | 4,242 |
| Assets per employee ($millions) | 4.4832% | 3,003 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9575% | 6,115 |
| Loan loss allowance to noncurrent loans | 869.5652% | 538 |
| Noncurrent assets plus other real estate owned to assets | 0.0733% | 6,381 |
| Noncurrent loans to loans | 0.1101% | 6,153 |
| Net loans and leases to total assets | 65.9235% | 2,379 |
| Net loans and leases to deposits | 73.5576% | 2,981 |
| Net loans and leases to core deposits | 75.1820% | 3,446 |
| Total domestic deposits to total assets | 89.6215% | 1,283 |
| Equity capital to assets | 8.4580% | 6,057 |
| Core capital (leverage) ratio | 7.7247% | 6,338 |
| Tier 1 risk-based capital ratio | 9.5672% | 6,753 |
| Total risk-based capital ratio | 11.0791% | 6,702 |
| Memoranda: | ||
| Average total assets | $90,307,500 | 5,091 |
| Average earning assets | $81,172,500 | 5,114 |
| Average equity | $7,891,500 | 5,516 |
| Average total loans | $60,984,000 | 4,672 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7497% | 2,398 |
| Cost of funding earning assets | 0.6969% | 3,516 |
| Net interest margin | 4.0528% | 2,183 |
| Noninterest income to average assets | 0.6416% | 3,045 |
| Noninterest expense to average assets | 2.6176% | 4,682 |
| Loan and lease loss provision to assets | 0.1002% | 4,387 |
| Net operating income to assets | 0.9836% | 2,412 |
| Return on assets (ROA) | 0.9836% | 2,632 |
| Pretax return on assets | 1.5964% | 1,401 |
| Return on Equity (ROE) | 11.4381% | 1,672 |
| Retained earnings to average equity (ytd only) | 7.7954% | 1,192 |
| Net charge-offs to loans | 0.0108% | 5,777 |
| Credit loss provision to net charge-offs | 1,333.3333% | 190 |
| Earnings coverage of net charge-offs (x) | 225.6667% | 187 |
| Efficiency ratio | 57.1885% | 5,937 |
| Assets per employee ($millions) | 4.3234% | 3,303 |
| Cash dividends to net income (ytd only)* | 31.8471% | 3,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9848% | 6,012 |
| Loan loss allowance to noncurrent loans | 846.3768% | 529 |
| Noncurrent assets plus other real estate owned to assets | 0.0798% | 6,400 |
| Noncurrent loans to loans | 0.1164% | 6,194 |
| Net loans and leases to total assets | 67.9084% | 2,195 |
| Net loans and leases to deposits | 76.3467% | 2,743 |
| Net loans and leases to core deposits | 77.5814% | 3,318 |
| Total domestic deposits to total assets | 88.9474% | 1,598 |
| Equity capital to assets | 9.0438% | 5,474 |
| Core capital (leverage) ratio | 7.9565% | 6,236 |
| Tier 1 risk-based capital ratio | 9.9017% | 6,725 |
| Total risk-based capital ratio | 11.7225% | 6,539 |
| Memoranda: | ||
| Average total assets | $79,806,200 | 5,355 |
| Average earning assets | $72,319,600 | 5,356 |
| Average equity | $6,863,000 | 5,803 |
| Average total loans | $55,802,200 | 4,873 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8116% | 2,350 |
| Cost of funding earning assets | 0.7311% | 3,509 |
| Net interest margin | 4.0805% | 2,169 |
| Noninterest income to average assets | 0.6279% | 3,118 |
| Noninterest expense to average assets | 2.6123% | 4,696 |
| Loan and lease loss provision to assets | 0.1365% | 3,842 |
| Net operating income to assets | 0.9965% | 2,528 |
| Return on assets (ROA) | 0.9965% | 2,750 |
| Pretax return on assets | 1.6124% | 1,535 |
| Return on Equity (ROE) | 11.7554% | 1,724 |
| Retained earnings to average equity (ytd only) | 11.7554% | 574 |
| Net charge-offs to loans | 0.0170% | 5,447 |
| Credit loss provision to net charge-offs | 1,142.8571% | 241 |
| Earnings coverage of net charge-offs (x) | 146.4770% | 303 |
| Efficiency ratio | 56.3772% | 6,006 |
| Assets per employee ($millions) | 4.9002% | 2,324 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0023% | 6,069 |
| Loan loss allowance to noncurrent loans | 844.9275% | 505 |
| Noncurrent assets plus other real estate owned to assets | 0.0828% | 6,525 |
| Noncurrent loans to loans | 0.1186% | 6,315 |
| Net loans and leases to total assets | 69.1224% | 2,084 |
| Net loans and leases to deposits | 77.2081% | 2,768 |
| Net loans and leases to core deposits | 78.8187% | 3,350 |
| Total domestic deposits to total assets | 89.5274% | 1,111 |
| Equity capital to assets | 8.2446% | 6,462 |
| Core capital (leverage) ratio | 7.0290% | 6,790 |
| Tier 1 risk-based capital ratio | 8.7072% | 6,965 |
| Total risk-based capital ratio | 10.5821% | 6,914 |
| Memoranda: | ||
| Average total assets | $78,140,750 | 5,456 |
| Average earning assets | $71,492,250 | 5,445 |
| Average equity | $6,623,750 | 5,931 |
| Average total loans | $54,927,000 | 4,956 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8143% | 2,447 |
| Cost of funding earning assets | 0.7866% | 3,307 |
| Net interest margin | 4.0276% | 2,391 |
| Noninterest income to average assets | 0.5679% | 3,465 |
| Noninterest expense to average assets | 2.6721% | 4,528 |
| Loan and lease loss provision to assets | 0.0785% | 4,628 |
| Net operating income to assets | 0.9657% | 2,600 |
| Return on assets (ROA) | 0.9657% | 2,846 |
| Pretax return on assets | 1.5022% | 1,841 |
| Return on Equity (ROE) | 11.2804% | 1,888 |
| Retained earnings to average equity (ytd only) | 11.2804% | 695 |
| Net charge-offs to loans | 0.0334% | 4,912 |
| Credit loss provision to net charge-offs | 333.3333% | 881 |
| Earnings coverage of net charge-offs (x) | 67.1111% | 582 |
| Efficiency ratio | 59.5692% | 5,643 |
| Assets per employee ($millions) | 4.8233% | 2,399 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9617% | 6,286 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 66.6886% | 2,527 |
| Net loans and leases to deposits | 74.2770% | 3,245 |
| Net loans and leases to core deposits | 76.1620% | 3,754 |
| Total domestic deposits to total assets | 89.7836% | 1,055 |
| Equity capital to assets | 8.2028% | 6,447 |
| Core capital (leverage) ratio | 7.0201% | 6,813 |
| Tier 1 risk-based capital ratio | 9.0624% | 6,976 |
| Total risk-based capital ratio | 11.0906% | 6,858 |
| Memoranda: | ||
| Average total assets | $76,420,000 | 5,535 |
| Average earning assets | $69,917,000 | 5,523 |
| Average equity | $6,542,330 | 5,971 |
| Average total loans | $53,848,000 | 5,037 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0005% | 1,882 |
| Cost of funding earning assets | 0.8175% | 3,329 |
| Net interest margin | 4.1830% | 1,805 |
| Noninterest income to average assets | 0.5541% | 3,538 |
| Noninterest expense to average assets | 2.7379% | 4,289 |
| Loan and lease loss provision to assets | 0.0815% | 4,373 |
| Net operating income to assets | 1.0159% | 2,417 |
| Return on assets (ROA) | 1.0159% | 2,608 |
| Pretax return on assets | 1.5428% | 1,764 |
| Return on Equity (ROE) | 11.5960% | 1,808 |
| Retained earnings to average equity (ytd only) | 11.5960% | 906 |
| Net charge-offs to loans | -0.0150% | 6,084 |
| Credit loss provision to net charge-offs | -750.0000% | 5,859 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4022% | 5,708 |
| Assets per employee ($millions) | 4.3953% | 3,205 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0072% | 6,218 |
| Loan loss allowance to noncurrent loans | 52,700.0000% | 8 |
| Noncurrent assets plus other real estate owned to assets | 0.0013% | 6,962 |
| Noncurrent loans to loans | 0.0019% | 6,806 |
| Net loans and leases to total assets | 65.4710% | 2,566 |
| Net loans and leases to deposits | 73.0547% | 3,266 |
| Net loans and leases to core deposits | 74.4374% | 3,844 |
| Total domestic deposits to total assets | 89.6190% | 1,289 |
| Equity capital to assets | 8.2714% | 6,291 |
| Core capital (leverage) ratio | 7.2968% | 6,727 |
| Tier 1 risk-based capital ratio | 9.2300% | 7,003 |
| Total risk-based capital ratio | 11.1113% | 6,907 |
| Memoranda: | ||
| Average total assets | $73,632,000 | 5,659 |
| Average earning assets | $67,033,000 | 5,660 |
| Average equity | $6,450,500 | 6,026 |
| Average total loans | $53,165,500 | 5,097 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5185% | 1,126 |
| Cost of funding earning assets | 0.8394% | 4,551 |
| Net interest margin | 4.6791% | 783 |
| Noninterest income to average assets | 0.5642% | 3,398 |
| Noninterest expense to average assets | 3.0494% | 3,396 |
| Loan and lease loss provision to assets | 0.1347% | 4,932 |
| Net operating income to assets | 1.0746% | 1,907 |
| Return on assets (ROA) | 1.0746% | 2,046 |
| Pretax return on assets | 1.6388% | 1,127 |
| Return on Equity (ROE) | 10.9570% | 1,708 |
| Retained earnings to average equity (ytd only) | 6.9976% | 1,505 |
| Net charge-offs to loans | 0.0188% | 6,181 |
| Credit loss provision to net charge-offs | 944.4444% | 242 |
| Earnings coverage of net charge-offs (x) | 124.3333% | 264 |
| Efficiency ratio | 59.7108% | 5,801 |
| Assets per employee ($millions) | 3.7860% | 4,353 |
| Cash dividends to net income (ytd only)* | 36.1357% | 2,807 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9443% | 6,417 |
| Loan loss allowance to noncurrent loans | 51,000.0000% | 10 |
| Noncurrent assets plus other real estate owned to assets | 0.0015% | 7,020 |
| Noncurrent loans to loans | 0.0019% | 6,871 |
| Net loans and leases to total assets | 78.4997% | 654 |
| Net loans and leases to deposits | 90.8082% | 1,072 |
| Net loans and leases to core deposits | 92.1582% | 1,868 |
| Total domestic deposits to total assets | 86.4457% | 3,055 |
| Equity capital to assets | 9.3282% | 5,112 |
| Core capital (leverage) ratio | 7.9698% | 6,294 |
| Tier 1 risk-based capital ratio | 8.8256% | 7,052 |
| Total risk-based capital ratio | 10.6360% | 6,976 |
| Memoranda: | ||
| Average total assets | $63,094,200 | 5,952 |
| Average earning assets | $57,425,200 | 5,945 |
| Average equity | $6,187,800 | 6,107 |
| Average total loans | $47,968,800 | 5,350 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4597% | 1,368 |
| Cost of funding earning assets | 0.8561% | 4,728 |
| Net interest margin | 4.6036% | 937 |
| Noninterest income to average assets | 0.5348% | 3,619 |
| Noninterest expense to average assets | 3.0232% | 3,470 |
| Loan and lease loss provision to assets | 0.0970% | 5,244 |
| Net operating income to assets | 1.0545% | 2,123 |
| Return on assets (ROA) | 1.0545% | 2,263 |
| Pretax return on assets | 1.6237% | 1,325 |
| Return on Equity (ROE) | 10.6091% | 1,990 |
| Retained earnings to average equity (ytd only) | 10.6091% | 703 |
| Net charge-offs to loans | 0.0258% | 5,781 |
| Credit loss provision to net charge-offs | 500.0000% | 545 |
| Earnings coverage of net charge-offs (x) | 88.6642% | 405 |
| Efficiency ratio | 60.0909% | 5,702 |
| Assets per employee ($millions) | 3.4963% | 5,005 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9225% | 6,527 |
| Loan loss allowance to noncurrent loans | 47,000.0000% | 7 |
| Noncurrent assets plus other real estate owned to assets | 0.0016% | 7,091 |
| Noncurrent loans to loans | 0.0020% | 6,967 |
| Net loans and leases to total assets | 80.2091% | 496 |
| Net loans and leases to deposits | 90.8760% | 1,120 |
| Net loans and leases to core deposits | 91.8049% | 2,024 |
| Total domestic deposits to total assets | 88.2621% | 1,890 |
| Equity capital to assets | 10.1902% | 4,099 |
| Core capital (leverage) ratio | 8.4046% | 5,844 |
| Tier 1 risk-based capital ratio | 9.2865% | 7,083 |
| Total risk-based capital ratio | 10.1186% | 7,129 |
| Memoranda: | ||
| Average total assets | $61,830,750 | 6,037 |
| Average earning assets | $56,534,500 | 6,012 |
| Average equity | $6,145,500 | 6,167 |
| Average total loans | $46,459,500 | 5,453 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2671% | 1,998 |
| Cost of funding earning assets | 0.8677% | 4,926 |
| Net interest margin | 4.3993% | 1,369 |
| Noninterest income to average assets | 0.4523% | 4,270 |
| Noninterest expense to average assets | 2.9741% | 3,737 |
| Loan and lease loss provision to assets | 0.0976% | 5,103 |
| Net operating income to assets | 0.9014% | 2,631 |
| Return on assets (ROA) | 0.9014% | 2,742 |
| Pretax return on assets | 1.3894% | 1,824 |
| Return on Equity (ROE) | 9.1475% | 2,452 |
| Retained earnings to average equity (ytd only) | 9.1475% | 1,059 |
| Net charge-offs to loans | 0.0133% | 5,661 |
| Credit loss provision to net charge-offs | 1,000.0000% | 331 |
| Earnings coverage of net charge-offs (x) | 152.3333% | 236 |
| Efficiency ratio | 62.8009% | 5,437 |
| Assets per employee ($millions) | 3.4506% | 5,078 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9505% | 6,509 |
| Loan loss allowance to noncurrent loans | 15,400.0000% | 43 |
| Noncurrent assets plus other real estate owned to assets | 0.0048% | 7,123 |
| Noncurrent loans to loans | 0.0062% | 6,997 |
| Net loans and leases to total assets | 77.5112% | 847 |
| Net loans and leases to deposits | 87.4945% | 1,577 |
| Net loans and leases to core deposits | 88.7347% | 2,534 |
| Total domestic deposits to total assets | 88.5898% | 1,792 |
| Equity capital to assets | 9.9837% | 4,172 |
| Core capital (leverage) ratio | 8.0185% | 6,278 |
| Tier 1 risk-based capital ratio | 9.2921% | 7,142 |
| Total risk-based capital ratio | 10.1496% | 7,186 |
| Memoranda: | ||
| Average total assets | $61,463,330 | 6,091 |
| Average earning assets | $56,008,330 | 6,082 |
| Average equity | $6,056,330 | 6,223 |
| Average total loans | $44,963,330 | 5,560 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1299% | 2,512 |
| Cost of funding earning assets | 0.8912% | 4,985 |
| Net interest margin | 4.2387% | 1,788 |
| Noninterest income to average assets | 0.3337% | 5,233 |
| Noninterest expense to average assets | 2.8525% | 4,257 |
| Loan and lease loss provision to assets | 0.0981% | 4,777 |
| Net operating income to assets | 0.7851% | 3,103 |
| Return on assets (ROA) | 0.7851% | 3,172 |
| Pretax return on assets | 1.2103% | 2,335 |
| Return on Equity (ROE) | 8.0214% | 2,900 |
| Retained earnings to average equity (ytd only) | 8.0214% | 1,724 |
| Net charge-offs to loans | 0.0278% | 4,699 |
| Credit loss provision to net charge-offs | 500.0000% | 713 |
| Earnings coverage of net charge-offs (x) | 66.6667% | 455 |
| Efficiency ratio | 64.3082% | 5,310 |
| Assets per employee ($millions) | 3.8235% | 4,248 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0126% | 6,345 |
| Loan loss allowance to noncurrent loans | 675.7576% | 519 |
| Noncurrent assets plus other real estate owned to assets | 0.4754% | 6,038 |
| Noncurrent loans to loans | 0.1499% | 6,677 |
| Net loans and leases to total assets | 67.0738% | 2,739 |
| Net loans and leases to deposits | 75.0112% | 3,583 |
| Net loans and leases to core deposits | 76.0116% | 4,305 |
| Total domestic deposits to total assets | 89.4185% | 1,520 |
| Equity capital to assets | 9.2985% | 4,730 |
| Core capital (leverage) ratio | 7.9277% | 6,329 |
| Tier 1 risk-based capital ratio | 9.7083% | 7,088 |
| Total risk-based capital ratio | 10.6061% | 7,181 |
| Memoranda: | ||
| Average total assets | $61,139,500 | 6,150 |
| Average earning assets | $55,205,500 | 6,153 |
| Average equity | $5,984,000 | 6,254 |
| Average total loans | $43,142,500 | 5,697 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4298% | 2,551 |
| Cost of funding earning assets | 1.0735% | 5,296 |
| Net interest margin | 4.3564% | 1,630 |
| Noninterest income to average assets | 0.6655% | 3,048 |
| Noninterest expense to average assets | 2.9523% | 4,027 |
| Loan and lease loss provision to assets | 0.0993% | 6,152 |
| Net operating income to assets | 1.0239% | 1,954 |
| Return on assets (ROA) | 1.0239% | 2,064 |
| Pretax return on assets | 1.5828% | 1,170 |
| Return on Equity (ROE) | 8.3501% | 2,552 |
| Retained earnings to average equity (ytd only) | 4.5273% | 2,701 |
| Net charge-offs to loans | 0.0262% | 6,544 |
| Credit loss provision to net charge-offs | 540.0000% | 416 |
| Earnings coverage of net charge-offs (x) | 91.5000% | 263 |
| Efficiency ratio | 59.4605% | 6,123 |
| Assets per employee ($millions) | 3.8186% | 4,211 |
| Cash dividends to net income (ytd only)* | 45.7810% | 2,301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0298% | 6,235 |
| Loan loss allowance to noncurrent loans | 763.1579% | 452 |
| Noncurrent assets plus other real estate owned to assets | 0.5761% | 5,872 |
| Noncurrent loans to loans | 0.1349% | 6,801 |
| Net loans and leases to total assets | 72.9866% | 1,874 |
| Net loans and leases to deposits | 85.2158% | 2,236 |
| Net loans and leases to core deposits | 86.5584% | 3,247 |
| Total domestic deposits to total assets | 85.6492% | 3,526 |
| Equity capital to assets | 10.3424% | 3,338 |
| Core capital (leverage) ratio | 8.2425% | 5,761 |
| Tier 1 risk-based capital ratio | 9.7288% | 7,071 |
| Total risk-based capital ratio | 10.6341% | 7,168 |
| Memoranda: | ||
| Average total assets | $54,397,800 | 6,389 |
| Average earning assets | $49,559,400 | 6,385 |
| Average equity | $6,670,600 | 6,142 |
| Average total loans | $38,135,000 | 6,004 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2930% | 3,383 |
| Cost of funding earning assets | 1.0710% | 5,589 |
| Net interest margin | 4.2220% | 2,136 |
| Noninterest income to average assets | 0.5763% | 3,604 |
| Noninterest expense to average assets | 2.8366% | 4,323 |
| Loan and lease loss provision to assets | 0.0745% | 6,311 |
| Net operating income to assets | 1.0184% | 2,174 |
| Return on assets (ROA) | 1.0184% | 2,286 |
| Pretax return on assets | 1.5524% | 1,472 |
| Return on Equity (ROE) | 7.9719% | 2,911 |
| Retained earnings to average equity (ytd only) | 7.9719% | 1,429 |
| Net charge-offs to loans | 0.0359% | 6,202 |
| Credit loss provision to net charge-offs | 300.0000% | 1,059 |
| Earnings coverage of net charge-offs (x) | 65.5146% | 458 |
| Efficiency ratio | 59.0985% | 6,093 |
| Assets per employee ($millions) | 3.9973% | 3,841 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9213% | 6,671 |
| Loan loss allowance to noncurrent loans | 105.9278% | 2,648 |
| Noncurrent assets plus other real estate owned to assets | 0.6933% | 5,731 |
| Noncurrent loans to loans | 0.8697% | 5,480 |
| Net loans and leases to total assets | 78.9857% | 882 |
| Net loans and leases to deposits | 89.9182% | 1,732 |
| Net loans and leases to core deposits | 91.3246% | 2,898 |
| Total domestic deposits to total assets | 87.8417% | 2,058 |
| Equity capital to assets | 10.7787% | 3,194 |
| Core capital (leverage) ratio | 8.7621% | 5,082 |
| Tier 1 risk-based capital ratio | 10.2820% | 6,907 |
| Total risk-based capital ratio | 11.1702% | 7,096 |
| Memoranda: | ||
| Average total assets | $53,677,500 | 6,486 |
| Average earning assets | $49,422,750 | 6,459 |
| Average equity | $6,857,250 | 6,161 |
| Average total loans | $37,108,500 | 6,140 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0586% | 4,663 |
| Cost of funding earning assets | 1.0641% | 5,849 |
| Net interest margin | 3.9945% | 3,044 |
| Noninterest income to average assets | 0.5405% | 3,789 |
| Noninterest expense to average assets | 2.7024% | 4,893 |
| Loan and lease loss provision to assets | 0.0454% | 6,516 |
| Net operating income to assets | 1.0205% | 2,116 |
| Return on assets (ROA) | 1.0205% | 2,191 |
| Pretax return on assets | 1.4816% | 1,609 |
| Return on Equity (ROE) | 7.5712% | 3,074 |
| Retained earnings to average equity (ytd only) | 7.5712% | 1,610 |
| Net charge-offs to loans | 0.0578% | 5,586 |
| Credit loss provision to net charge-offs | 120.0000% | 3,387 |
| Earnings coverage of net charge-offs (x) | 40.4000% | 724 |
| Efficiency ratio | 59.1600% | 6,187 |
| Assets per employee ($millions) | 3.7361% | 4,378 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9318% | 6,656 |
| Loan loss allowance to noncurrent loans | 109.4708% | 2,531 |
| Noncurrent assets plus other real estate owned to assets | 0.6864% | 5,777 |
| Noncurrent loans to loans | 0.8512% | 5,564 |
| Net loans and leases to total assets | 79.8872% | 815 |
| Net loans and leases to deposits | 91.4533% | 1,623 |
| Net loans and leases to core deposits | 91.9686% | 2,995 |
| Total domestic deposits to total assets | 87.3530% | 2,351 |
| Equity capital to assets | 11.2647% | 2,620 |
| Core capital (leverage) ratio | 9.1461% | 4,380 |
| Tier 1 risk-based capital ratio | 10.4956% | 6,690 |
| Total risk-based capital ratio | 11.3941% | 6,910 |
| Memoranda: | ||
| Average total assets | $52,916,000 | 6,556 |
| Average earning assets | $48,867,670 | 6,511 |
| Average equity | $7,132,330 | 6,099 |
| Average total loans | $34,607,000 | 6,305 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5214% | 6,747 |
| Cost of funding earning assets | 1.0796% | 5,993 |
| Net interest margin | 3.4418% | 5,412 |
| Noninterest income to average assets | 0.5562% | 3,599 |
| Noninterest expense to average assets | 2.6005% | 5,359 |
| Loan and lease loss provision to assets | 0.0451% | 6,220 |
| Net operating income to assets | 0.7140% | 3,370 |
| Return on assets (ROA) | 0.7140% | 3,482 |
| Pretax return on assets | 1.0973% | 2,741 |
| Return on Equity (ROE) | 4.9016% | 4,417 |
| Retained earnings to average equity (ytd only) | 4.9016% | 3,206 |
| Net charge-offs to loans | 0.1168% | 4,276 |
| Credit loss provision to net charge-offs | 66.6667% | 4,165 |
| Earnings coverage of net charge-offs (x) | 16.8889% | 1,315 |
| Efficiency ratio | 64.2570% | 5,446 |
| Assets per employee ($millions) | 4.2460% | 3,383 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3054% | 4,904 |
| Loan loss allowance to noncurrent loans | 368.5714% | 850 |
| Noncurrent assets plus other real estate owned to assets | 0.2061% | 6,948 |
| Noncurrent loans to loans | 0.3542% | 6,593 |
| Net loans and leases to total assets | 57.4227% | 5,536 |
| Net loans and leases to deposits | 64.3372% | 6,024 |
| Net loans and leases to core deposits | 65.0727% | 6,365 |
| Total domestic deposits to total assets | 89.2526% | 1,395 |
| Equity capital to assets | 9.2577% | 4,901 |
| Core capital (leverage) ratio | 6.7693% | 7,366 |
| Tier 1 risk-based capital ratio | 10.6082% | 6,532 |
| Total risk-based capital ratio | 11.8196% | 6,564 |
| Memoranda: | ||
| Average total assets | $53,221,500 | 6,627 |
| Average earning assets | $49,276,500 | 6,580 |
| Average equity | $7,752,500 | 5,927 |
| Average total loans | $30,821,500 | 6,573 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1610% | 5,830 |
| Cost of funding earning assets | 1.0786% | 7,036 |
| Net interest margin | 4.0824% | 2,520 |
| Noninterest income to average assets | 0.5961% | 3,658 |
| Noninterest expense to average assets | 2.6901% | 5,437 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 1.1255% | 1,446 |
| Return on assets (ROA) | 1.1255% | 1,484 |
| Pretax return on assets | 1.7346% | 722 |
| Return on Equity (ROE) | 4.9688% | 3,676 |
| Retained earnings to average equity (ytd only) | 4.9213% | 1,863 |
| Net charge-offs to loans | 0.0166% | 6,989 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 161.2000% | 182 |
| Efficiency ratio | 60.7977% | 6,360 |
| Assets per employee ($millions) | 5.0446% | 2,164 |
| Cash dividends to net income (ytd only)* | 0.9560% | 4,004 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2188% | 5,248 |
| Loan loss allowance to noncurrent loans | 812.5000% | 425 |
| Noncurrent assets plus other real estate owned to assets | 0.0865% | 7,280 |
| Noncurrent loans to loans | 0.1500% | 7,057 |
| Net loans and leases to total assets | 56.9606% | 5,825 |
| Net loans and leases to deposits | 71.2165% | 5,440 |
| Net loans and leases to core deposits | 79.1268% | 6,173 |
| Total domestic deposits to total assets | 79.9823% | 5,674 |
| Equity capital to assets | 19.4410% | 338 |
| Core capital (leverage) ratio | 20.5992% | 253 |
| Tier 1 risk-based capital ratio | 28.9060% | 587 |
| Total risk-based capital ratio | 29.9510% | 582 |
| Memoranda: | ||
| Average total assets | $46,466,800 | 6,851 |
| Average earning assets | $43,577,000 | 6,780 |
| Average equity | $10,525,600 | 5,154 |
| Average total loans | $30,089,600 | 6,620 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2776% | 5,535 |
| Cost of funding earning assets | 1.0632% | 7,256 |
| Net interest margin | 4.2143% | 1,994 |
| Noninterest income to average assets | 0.6333% | 3,472 |
| Noninterest expense to average assets | 2.7836% | 4,959 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.1943% | 1,478 |
| Return on assets (ROA) | 1.1943% | 1,539 |
| Pretax return on assets | 1.8065% | 791 |
| Return on Equity (ROE) | 5.0477% | 3,946 |
| Retained earnings to average equity (ytd only) | 5.0477% | 2,462 |
| Net charge-offs to loans | 0.0225% | 6,577 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 119.7376% | 312 |
| Efficiency ratio | 60.6439% | 6,333 |
| Assets per employee ($millions) | 4.1077% | 3,552 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1106% | 5,661 |
| Loan loss allowance to noncurrent loans | 812.5000% | 437 |
| Noncurrent assets plus other real estate owned to assets | 0.0974% | 7,304 |
| Noncurrent loans to loans | 0.1367% | 7,137 |
| Net loans and leases to total assets | 70.4496% | 3,406 |
| Net loans and leases to deposits | 90.6400% | 2,456 |
| Net loans and leases to core deposits | 99.3875% | 4,440 |
| Total domestic deposits to total assets | 77.7246% | 6,164 |
| Equity capital to assets | 21.6384% | 260 |
| Core capital (leverage) ratio | 21.9312% | 235 |
| Tier 1 risk-based capital ratio | 27.6960% | 698 |
| Total risk-based capital ratio | 28.7087% | 696 |
| Memoranda: | ||
| Average total assets | $44,210,750 | 6,992 |
| Average earning assets | $41,508,000 | 6,935 |
| Average equity | $10,460,000 | 5,216 |
| Average total loans | $29,612,500 | 6,702 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2056% | 6,056 |
| Cost of funding earning assets | 0.9959% | 7,559 |
| Net interest margin | 4.2098% | 1,959 |
| Noninterest income to average assets | 0.6350% | 3,443 |
| Noninterest expense to average assets | 2.8271% | 4,844 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.1243% | 1,685 |
| Return on assets (ROA) | 1.1243% | 1,769 |
| Pretax return on assets | 1.7452% | 943 |
| Return on Equity (ROE) | 4.6000% | 4,257 |
| Retained earnings to average equity (ytd only) | 4.6000% | 2,733 |
| Net charge-offs to loans | 0.0288% | 6,071 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 92.7500% | 414 |
| Efficiency ratio | 61.8313% | 6,269 |
| Assets per employee ($millions) | 3.5342% | 4,718 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2813% | 4,387 |
| 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 | 65.5668% | 4,655 |
| Net loans and leases to deposits | 85.7525% | 3,588 |
| Net loans and leases to core deposits | 94.2229% | 5,090 |
| Total domestic deposits to total assets | 76.4605% | 6,449 |
| Equity capital to assets | 22.8757% | 253 |
| Core capital (leverage) ratio | 23.1590% | 244 |
| Tier 1 risk-based capital ratio | 30.8392% | 550 |
| Total risk-based capital ratio | 31.9865% | 543 |
| Memoranda: | ||
| Average total assets | $42,517,000 | 7,113 |
| Average earning assets | $39,764,670 | 7,067 |
| Average equity | $10,391,330 | 5,254 |
| Average total loans | $27,778,000 | 6,859 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2087% | 6,261 |
| Cost of funding earning assets | 0.8981% | 7,812 |
| Net interest margin | 4.3107% | 1,576 |
| Noninterest income to average assets | 0.5784% | 3,700 |
| Noninterest expense to average assets | 2.7449% | 4,807 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.2156% | 1,615 |
| Return on assets (ROA) | 1.2156% | 1,721 |
| Pretax return on assets | 1.8332% | 918 |
| Return on Equity (ROE) | 4.8006% | 4,553 |
| Retained earnings to average equity (ytd only) | 4.8006% | 3,237 |
| Net charge-offs to loans | 0.0606% | 4,615 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 46.7500% | 764 |
| Efficiency ratio | 59.9572% | 6,414 |
| Assets per employee ($millions) | 3.3563% | 5,189 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5279% | 2,827 |
| 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 | 57.7558% | 5,984 |
| Net loans and leases to deposits | 76.6167% | 5,134 |
| Net loans and leases to core deposits | 80.8651% | 6,317 |
| Total domestic deposits to total assets | 75.3827% | 6,629 |
| Equity capital to assets | 23.8220% | 251 |
| Core capital (leverage) ratio | 25.6515% | 218 |
| Tier 1 risk-based capital ratio | 35.3730% | 424 |
| Total risk-based capital ratio | 36.6254% | 412 |
| Memoranda: | ||
| Average total assets | $40,803,500 | 7,214 |
| Average earning assets | $37,859,500 | 7,178 |
| Average equity | $10,332,000 | 5,285 |
| Average total loans | $26,409,500 | 6,984 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3554% | 3,664 |
| Cost of funding earning assets | 0.9928% | 8,057 |
| Net interest margin | 5.3625% | 256 |
| Noninterest income to average assets | 0.6164% | 3,733 |
| Noninterest expense to average assets | 2.9982% | 4,086 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.6706% | 715 |
| Return on assets (ROA) | 1.6706% | 683 |
| Pretax return on assets | 2.5743% | 167 |
| Return on Equity (ROE) | 5.9685% | 3,956 |
| Retained earnings to average equity (ytd only) | 5.0917% | 1,969 |
| Net charge-offs to loans | -0.0079% | 7,830 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.8038% | 7,289 |
| Assets per employee ($millions) | 2.9212% | 6,247 |
| Cash dividends to net income (ytd only)* | 14.6912% | 4,576 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4507% | 2,920 |
| 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 | 70.6596% | 3,869 |
| Net loans and leases to deposits | 97.8200% | 2,152 |
| Net loans and leases to core deposits | 101.5440% | 4,664 |
| Total domestic deposits to total assets | 72.2344% | 6,959 |
| Equity capital to assets | 27.0441% | 218 |
| Core capital (leverage) ratio | 26.6269% | 230 |
| Tier 1 risk-based capital ratio | 34.3088% | 470 |
| Total risk-based capital ratio | 35.5582% | 460 |
| Memoranda: | ||
| Average total assets | $35,854,800 | 7,389 |
| Average earning assets | $33,137,400 | 7,371 |
| Average equity | $10,036,000 | 5,400 |
| Average total loans | $25,465,400 | 6,994 |