Home > SUNRISE BANK OF ALBUQUERQUE > Performance and Condition Ratios
SUNRISE BANK OF ALBUQUERQUE, 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 | 4.7337% | 1,485 |
| Cost of funding earning assets | 0.6707% | 2,034 |
| Net interest margin | 4.0630% | 1,754 |
| Noninterest income to average assets | -0.0514% | 6,694 |
| Noninterest expense to average assets | 6.1975% | 183 |
| Loan and lease loss provision to assets | 0.0022% | 5,068 |
| Net operating income to assets | -2.5277% | 6,738 |
| Return on assets (ROA) | -2.5277% | 6,741 |
| Pretax return on assets | -2.5277% | 6,738 |
| Return on Equity (ROE) | -86.2700% | 6,800 |
| Retained earnings to average equity (ytd only) | -86.2700% | 6,800 |
| Net charge-offs to loans | 0.1893% | 2,946 |
| Credit loss provision to net charge-offs | 1.5152% | 4,692 |
| Earnings coverage of net charge-offs (x) | -17.1212% | 5,443 |
| Efficiency ratio | 168.7766% | 47 |
| Assets per employee ($millions) | 3.4035% | 5,077 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6472% | 116 |
| Loan loss allowance to noncurrent loans | 53.4908% | 5,114 |
| Noncurrent assets plus other real estate owned to assets | 11.6792% | 86 |
| Noncurrent loans to loans | 8.6879% | 160 |
| Net loans and leases to total assets | 76.2108% | 1,042 |
| Net loans and leases to deposits | 78.1746% | 2,699 |
| Net loans and leases to core deposits | 83.0315% | 2,769 |
| Total domestic deposits to total assets | 97.4879% | 9 |
| Equity capital to assets | 2.1693% | 6,788 |
| Core capital (leverage) ratio | 2.0846% | 6,797 |
| Tier 1 risk-based capital ratio | 2.6523% | 6,801 |
| Total risk-based capital ratio | 3.9425% | 6,801 |
| Memoranda: | ||
| Average total assets | $44,744,200 | 6,156 |
| Average earning assets | $41,004,000 | 6,142 |
| Average equity | $1,311,000 | 6,776 |
| Average total loans | $34,860,200 | 5,544 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7073% | 1,580 |
| Cost of funding earning assets | 0.6761% | 2,129 |
| Net interest margin | 4.0312% | 1,841 |
| Noninterest income to average assets | -0.3062% | 6,852 |
| Noninterest expense to average assets | 5.7188% | 231 |
| Loan and lease loss provision to assets | 0.0029% | 4,899 |
| Net operating income to assets | -2.3417% | 6,817 |
| Return on assets (ROA) | -2.3417% | 6,818 |
| Pretax return on assets | -2.3417% | 6,812 |
| Return on Equity (ROE) | -75.5435% | 6,874 |
| Retained earnings to average equity (ytd only) | -75.5435% | 6,871 |
| Net charge-offs to loans | -0.1920% | 6,644 |
| Credit loss provision to net charge-offs | -1.9608% | 5,578 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 169.1976% | 51 |
| Assets per employee ($millions) | 3.5211% | 4,806 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8415% | 127 |
| Loan loss allowance to noncurrent loans | 61.1985% | 4,780 |
| Noncurrent assets plus other real estate owned to assets | 12.0015% | 89 |
| Noncurrent loans to loans | 7.9111% | 224 |
| Net loans and leases to total assets | 76.0088% | 1,004 |
| Net loans and leases to deposits | 78.5732% | 2,576 |
| Net loans and leases to core deposits | 83.3121% | 2,728 |
| Total domestic deposits to total assets | 96.7363% | 13 |
| Equity capital to assets | 2.8732% | 6,848 |
| Core capital (leverage) ratio | 2.7537% | 6,859 |
| Tier 1 risk-based capital ratio | 3.5045% | 6,873 |
| Total risk-based capital ratio | 4.7978% | 6,872 |
| Memoranda: | ||
| Average total assets | $45,719,750 | 6,197 |
| Average earning assets | $41,806,250 | 6,186 |
| Average equity | $1,417,250 | 6,842 |
| Average total loans | $35,414,500 | 5,567 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6540% | 1,691 |
| Cost of funding earning assets | 0.6909% | 2,139 |
| Net interest margin | 3.9632% | 1,993 |
| Noninterest income to average assets | -0.1195% | 6,854 |
| Noninterest expense to average assets | 5.2309% | 302 |
| Loan and lease loss provision to assets | 0.0043% | 4,734 |
| Net operating income to assets | -1.7323% | 6,830 |
| Return on assets (ROA) | -1.7323% | 6,832 |
| Pretax return on assets | -1.7323% | 6,823 |
| Return on Equity (ROE) | -54.6801% | 6,911 |
| Retained earnings to average equity (ytd only) | -54.6801% | 6,907 |
| Net charge-offs to loans | -0.4337% | 6,813 |
| Credit loss provision to net charge-offs | -1.2821% | 5,419 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 149.3301% | 73 |
| Assets per employee ($millions) | 3.8823% | 4,042 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6897% | 148 |
| Loan loss allowance to noncurrent loans | 48.4964% | 5,265 |
| Noncurrent assets plus other real estate owned to assets | 12.2631% | 94 |
| Noncurrent loans to loans | 9.6702% | 172 |
| Net loans and leases to total assets | 72.4601% | 1,495 |
| Net loans and leases to deposits | 75.4768% | 2,950 |
| Net loans and leases to core deposits | 79.6081% | 3,070 |
| Total domestic deposits to total assets | 96.0032% | 24 |
| Equity capital to assets | 3.4580% | 6,881 |
| Core capital (leverage) ratio | 3.5890% | 6,883 |
| Tier 1 risk-based capital ratio | 4.4663% | 6,906 |
| Total risk-based capital ratio | 5.7582% | 6,907 |
| Memoranda: | ||
| Average total assets | $46,875,330 | 6,212 |
| Average earning assets | $42,844,670 | 6,196 |
| Average equity | $1,485,000 | 6,885 |
| Average total loans | $35,969,330 | 5,573 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5902% | 1,856 |
| Cost of funding earning assets | 0.7542% | 1,811 |
| Net interest margin | 3.8360% | 2,330 |
| Noninterest income to average assets | 0.3318% | 5,045 |
| Noninterest expense to average assets | 4.9596% | 377 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -1.1229% | 6,835 |
| Return on assets (ROA) | -1.1229% | 6,842 |
| Pretax return on assets | -1.1229% | 6,826 |
| Return on Equity (ROE) | -37.1308% | 6,948 |
| Retained earnings to average equity (ytd only) | -37.1308% | 6,924 |
| Net charge-offs to loans | -0.5077% | 6,856 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 129.2683% | 156 |
| Assets per employee ($millions) | 3.8264% | 4,302 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5906% | 183 |
| Loan loss allowance to noncurrent loans | 45.6278% | 5,346 |
| Noncurrent assets plus other real estate owned to assets | 13.2914% | 105 |
| Noncurrent loans to loans | 10.0609% | 206 |
| Net loans and leases to total assets | 73.6895% | 1,119 |
| Net loans and leases to deposits | 77.1332% | 2,470 |
| Net loans and leases to core deposits | 84.2551% | 2,292 |
| Total domestic deposits to total assets | 95.5354% | 36 |
| Equity capital to assets | 4.1052% | 6,934 |
| Core capital (leverage) ratio | 4.0151% | 6,935 |
| Tier 1 risk-based capital ratio | 5.1887% | 6,951 |
| Total risk-based capital ratio | 6.4797% | 6,952 |
| Memoranda: | ||
| Average total assets | $47,019,500 | 6,268 |
| Average earning assets | $42,961,500 | 6,246 |
| Average equity | $1,422,000 | 6,960 |
| Average total loans | $36,245,000 | 5,610 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9036% | 1,826 |
| Cost of funding earning assets | 0.8565% | 2,252 |
| Net interest margin | 4.0471% | 2,213 |
| Noninterest income to average assets | 0.2305% | 5,799 |
| Noninterest expense to average assets | 4.7899% | 440 |
| Loan and lease loss provision to assets | 0.6330% | 853 |
| Net operating income to assets | -1.5643% | 6,872 |
| Return on assets (ROA) | -1.5643% | 6,887 |
| Pretax return on assets | -1.4838% | 6,841 |
| Return on Equity (ROE) | -70.6612% | 7,049 |
| Retained earnings to average equity (ytd only) | -70.6612% | 7,048 |
| Net charge-offs to loans | 1.8468% | 426 |
| Credit loss provision to net charge-offs | 44.5302% | 4,828 |
| Earnings coverage of net charge-offs (x) | -0.5985% | 5,692 |
| Efficiency ratio | 121.5978% | 198 |
| Assets per employee ($millions) | 4.0102% | 3,927 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2727% | 233 |
| Loan loss allowance to noncurrent loans | 42.2995% | 5,520 |
| Noncurrent assets plus other real estate owned to assets | 12.9026% | 112 |
| Noncurrent loans to loans | 10.1010% | 229 |
| Net loans and leases to total assets | 73.6545% | 1,240 |
| Net loans and leases to deposits | 75.3983% | 2,895 |
| Net loans and leases to core deposits | 81.8398% | 2,794 |
| Total domestic deposits to total assets | 97.6871% | 8 |
| Equity capital to assets | 1.9929% | 7,067 |
| Core capital (leverage) ratio | 1.9014% | 7,067 |
| Tier 1 risk-based capital ratio | 2.5633% | 7,070 |
| Total risk-based capital ratio | 3.8489% | 7,070 |
| Memoranda: | ||
| Average total assets | $54,656,200 | 6,060 |
| Average earning assets | $50,085,600 | 6,050 |
| Average equity | $1,210,000 | 7,050 |
| Average total loans | $42,072,400 | 5,415 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8766% | 2,101 |
| Cost of funding earning assets | 0.8770% | 2,334 |
| Net interest margin | 3.9996% | 2,503 |
| Noninterest income to average assets | 0.3624% | 4,922 |
| Noninterest expense to average assets | 4.6733% | 471 |
| Loan and lease loss provision to assets | 0.8195% | 571 |
| Net operating income to assets | -1.4686% | 6,961 |
| Return on assets (ROA) | -1.4686% | 6,973 |
| Pretax return on assets | -1.4686% | 6,951 |
| Return on Equity (ROE) | -64.9499% | 7,143 |
| Retained earnings to average equity (ytd only) | -64.9499% | 7,139 |
| Net charge-offs to loans | 1.2676% | 753 |
| Credit loss provision to net charge-offs | 83.9806% | 3,497 |
| Earnings coverage of net charge-offs (x) | -0.6650% | 5,532 |
| Efficiency ratio | 116.1271% | 228 |
| Assets per employee ($millions) | 4.2937% | 3,283 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7687% | 167 |
| Loan loss allowance to noncurrent loans | 41.2325% | 5,585 |
| Noncurrent assets plus other real estate owned to assets | 12.8096% | 134 |
| Noncurrent loans to loans | 11.5653% | 185 |
| Net loans and leases to total assets | 75.4639% | 1,050 |
| Net loans and leases to deposits | 77.4881% | 2,732 |
| Net loans and leases to core deposits | 85.9594% | 2,471 |
| Total domestic deposits to total assets | 97.3876% | 12 |
| Equity capital to assets | 2.2320% | 7,158 |
| Core capital (leverage) ratio | 2.1275% | 7,159 |
| Tier 1 risk-based capital ratio | 2.8534% | 7,163 |
| Total risk-based capital ratio | 4.1486% | 7,163 |
| Memoranda: | ||
| Average total assets | $56,289,750 | 6,084 |
| Average earning assets | $51,537,250 | 6,067 |
| Average equity | $1,272,750 | 7,141 |
| Average total loans | $43,334,000 | 5,421 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8678% | 2,237 |
| Cost of funding earning assets | 0.8992% | 2,402 |
| Net interest margin | 3.9686% | 2,640 |
| Noninterest income to average assets | 0.1417% | 6,486 |
| Noninterest expense to average assets | 4.5682% | 522 |
| Loan and lease loss provision to assets | 1.1956% | 346 |
| Net operating income to assets | -2.0077% | 7,067 |
| Return on assets (ROA) | -2.0077% | 7,076 |
| Pretax return on assets | -2.0077% | 7,066 |
| Return on Equity (ROE) | -88.4545% | 7,202 |
| Retained earnings to average equity (ytd only) | -88.4545% | 7,198 |
| Net charge-offs to loans | 1.0143% | 1,090 |
| Credit loss provision to net charge-offs | 154.4643% | 1,794 |
| Earnings coverage of net charge-offs (x) | -1.0491% | 5,312 |
| Efficiency ratio | 121.6191% | 218 |
| Assets per employee ($millions) | 4.6809% | 2,595 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0906% | 151 |
| Loan loss allowance to noncurrent loans | 46.5649% | 5,307 |
| Noncurrent assets plus other real estate owned to assets | 12.9996% | 148 |
| Noncurrent loans to loans | 10.9323% | 219 |
| Net loans and leases to total assets | 70.8640% | 1,765 |
| Net loans and leases to deposits | 78.3486% | 2,626 |
| Net loans and leases to core deposits | 86.2159% | 2,401 |
| Total domestic deposits to total assets | 90.4470% | 697 |
| Equity capital to assets | 2.1168% | 7,220 |
| Core capital (leverage) ratio | 2.0961% | 7,215 |
| Tier 1 risk-based capital ratio | 2.8075% | 7,221 |
| Total risk-based capital ratio | 4.1038% | 7,221 |
| Memoranda: | ||
| Average total assets | $57,878,330 | 6,083 |
| Average earning assets | $52,714,000 | 6,072 |
| Average equity | $1,313,670 | 7,196 |
| Average total loans | $44,169,000 | 5,421 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7819% | 2,707 |
| Cost of funding earning assets | 0.9549% | 2,269 |
| Net interest margin | 3.8270% | 3,254 |
| Noninterest income to average assets | 0.1158% | 6,673 |
| Noninterest expense to average assets | 4.5835% | 511 |
| Loan and lease loss provision to assets | 0.9875% | 426 |
| Net operating income to assets | -1.9615% | 7,150 |
| Return on assets (ROA) | -1.9615% | 7,151 |
| Pretax return on assets | -1.9615% | 7,133 |
| Return on Equity (ROE) | -83.7209% | 7,261 |
| Retained earnings to average equity (ytd only) | -83.7209% | 7,257 |
| Net charge-offs to loans | -0.0177% | 6,135 |
| Credit loss provision to net charge-offs | -7,250.0000% | 6,221 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 126.9811% | 177 |
| Assets per employee ($millions) | 4.4097% | 3,175 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8465% | 197 |
| Loan loss allowance to noncurrent loans | 42.1299% | 5,497 |
| Noncurrent assets plus other real estate owned to assets | 14.2605% | 124 |
| Noncurrent loans to loans | 11.5038% | 225 |
| Net loans and leases to total assets | 73.9769% | 1,070 |
| Net loans and leases to deposits | 83.3966% | 1,739 |
| Net loans and leases to core deposits | 91.7406% | 1,676 |
| Total domestic deposits to total assets | 88.7050% | 1,882 |
| Equity capital to assets | 2.1927% | 7,273 |
| Core capital (leverage) ratio | 2.1122% | 7,274 |
| Tier 1 risk-based capital ratio | 2.7948% | 7,281 |
| Total risk-based capital ratio | 4.0888% | 7,279 |
| Memoranda: | ||
| Average total assets | $58,732,000 | 6,100 |
| Average earning assets | $53,619,000 | 6,079 |
| Average equity | $1,376,000 | 7,242 |
| Average total loans | $45,283,500 | 5,402 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0426% | 2,691 |
| Cost of funding earning assets | 1.1738% | 2,198 |
| Net interest margin | 3.8688% | 3,475 |
| Noninterest income to average assets | -0.7135% | 7,295 |
| Noninterest expense to average assets | 4.2345% | 775 |
| Loan and lease loss provision to assets | 1.4596% | 519 |
| Net operating income to assets | -2.9006% | 7,166 |
| Return on assets (ROA) | -2.9006% | 7,175 |
| Pretax return on assets | -2.9006% | 7,177 |
| Return on Equity (ROE) | -115.1194% | 7,323 |
| Retained earnings to average equity (ytd only) | -115.1194% | 7,323 |
| Net charge-offs to loans | 2.9157% | 344 |
| Credit loss provision to net charge-offs | 65.9425% | 4,997 |
| Earnings coverage of net charge-offs (x) | -0.6510% | 6,133 |
| Efficiency ratio | 151.5825% | 137 |
| Assets per employee ($millions) | 4.6260% | 2,719 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3762% | 280 |
| Loan loss allowance to noncurrent loans | 49.3745% | 5,065 |
| Noncurrent assets plus other real estate owned to assets | 11.8478% | 217 |
| Noncurrent loans to loans | 8.8632% | 408 |
| Net loans and leases to total assets | 73.1418% | 1,427 |
| Net loans and leases to deposits | 82.3091% | 2,160 |
| Net loans and leases to core deposits | 91.0740% | 1,978 |
| Total domestic deposits to total assets | 88.8623% | 1,624 |
| Equity capital to assets | 2.4859% | 7,297 |
| Core capital (leverage) ratio | 2.4305% | 7,296 |
| Tier 1 risk-based capital ratio | 3.2177% | 7,307 |
| Total risk-based capital ratio | 4.5048% | 7,308 |
| Memoranda: | ||
| Average total assets | $64,469,800 | 5,912 |
| Average earning assets | $58,442,400 | 5,917 |
| Average equity | $1,624,400 | 7,268 |
| Average total loans | $48,942,200 | 5,304 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9526% | 3,315 |
| Cost of funding earning assets | 1.2303% | 2,122 |
| Net interest margin | 3.7224% | 4,240 |
| Noninterest income to average assets | -0.9132% | 7,398 |
| Noninterest expense to average assets | 4.4177% | 622 |
| Loan and lease loss provision to assets | 1.7553% | 348 |
| Net operating income to assets | -3.7201% | 7,319 |
| Return on assets (ROA) | -3.7201% | 7,321 |
| Pretax return on assets | -3.7201% | 7,317 |
| Return on Equity (ROE) | -147.1924% | 7,410 |
| Retained earnings to average equity (ytd only) | -147.1924% | 7,410 |
| Net charge-offs to loans | 2.9388% | 325 |
| Credit loss provision to net charge-offs | 78.8128% | 4,180 |
| Earnings coverage of net charge-offs (x) | -0.8822% | 5,916 |
| Efficiency ratio | 180.0995% | 73 |
| Assets per employee ($millions) | 4.3544% | 3,170 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7590% | 221 |
| Loan loss allowance to noncurrent loans | 38.5675% | 5,713 |
| Noncurrent assets plus other real estate owned to assets | 14.0221% | 156 |
| Noncurrent loans to loans | 12.3394% | 220 |
| Net loans and leases to total assets | 74.4230% | 1,251 |
| Net loans and leases to deposits | 84.9607% | 1,842 |
| Net loans and leases to core deposits | 94.4892% | 1,745 |
| Total domestic deposits to total assets | 87.5970% | 2,292 |
| Equity capital to assets | 2.1095% | 7,395 |
| Core capital (leverage) ratio | 2.0737% | 7,395 |
| Tier 1 risk-based capital ratio | 2.7243% | 7,402 |
| Total risk-based capital ratio | 4.0186% | 7,403 |
| Memoranda: | ||
| Average total assets | $65,552,750 | 5,927 |
| Average earning assets | $59,280,000 | 5,931 |
| Average equity | $1,656,750 | 7,334 |
| Average total loans | $49,678,000 | 5,318 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9604% | 3,351 |
| Cost of funding earning assets | 1.3064% | 1,900 |
| Net interest margin | 3.6540% | 4,500 |
| Noninterest income to average assets | -1.4072% | 7,491 |
| Noninterest expense to average assets | 4.3558% | 697 |
| Loan and lease loss provision to assets | 1.9349% | 330 |
| Net operating income to assets | -4.4124% | 7,416 |
| Return on assets (ROA) | -4.4124% | 7,419 |
| Pretax return on assets | -4.4124% | 7,412 |
| Return on Equity (ROE) | -166.2613% | 7,479 |
| Retained earnings to average equity (ytd only) | -166.2613% | 7,479 |
| Net charge-offs to loans | 4.3528% | 170 |
| Credit loss provision to net charge-offs | 59.2153% | 4,358 |
| Earnings coverage of net charge-offs (x) | -0.7582% | 5,591 |
| Efficiency ratio | 231.9048% | 39 |
| Assets per employee ($millions) | 4.1927% | 3,361 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2357% | 352 |
| Loan loss allowance to noncurrent loans | 41.0893% | 5,576 |
| Noncurrent assets plus other real estate owned to assets | 14.4027% | 164 |
| Noncurrent loans to loans | 10.3086% | 367 |
| Net loans and leases to total assets | 73.7673% | 1,463 |
| Net loans and leases to deposits | 85.9543% | 1,803 |
| Net loans and leases to core deposits | 96.7670% | 1,608 |
| Total domestic deposits to total assets | 85.8215% | 3,428 |
| Equity capital to assets | 2.5997% | 7,446 |
| Core capital (leverage) ratio | 2.5823% | 7,443 |
| Tier 1 risk-based capital ratio | 3.2326% | 7,456 |
| Total risk-based capital ratio | 4.5177% | 7,457 |
| Memoranda: | ||
| Average total assets | $67,083,330 | 5,923 |
| Average earning assets | $60,318,000 | 5,946 |
| Average equity | $1,780,330 | 7,387 |
| Average total loans | $50,358,670 | 5,340 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0043% | 3,095 |
| Cost of funding earning assets | 1.4463% | 1,403 |
| Net interest margin | 3.5581% | 4,778 |
| Noninterest income to average assets | 0.1619% | 6,567 |
| Noninterest expense to average assets | 4.2267% | 799 |
| Loan and lease loss provision to assets | 3.3941% | 133 |
| Net operating income to assets | -4.2440% | 7,454 |
| Return on assets (ROA) | -4.2440% | 7,458 |
| Pretax return on assets | -4.2440% | 7,446 |
| Return on Equity (ROE) | -158.4458% | 7,526 |
| Retained earnings to average equity (ytd only) | -158.4458% | 7,521 |
| Net charge-offs to loans | 3.0712% | 349 |
| Credit loss provision to net charge-offs | 148.9848% | 1,919 |
| Earnings coverage of net charge-offs (x) | -0.3731% | 4,754 |
| Efficiency ratio | 125.1712% | 304 |
| Assets per employee ($millions) | 4.3213% | 3,202 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3701% | 151 |
| Loan loss allowance to noncurrent loans | 67.5364% | 4,039 |
| Noncurrent assets plus other real estate owned to assets | 13.2507% | 202 |
| Noncurrent loans to loans | 7.9515% | 633 |
| Net loans and leases to total assets | 73.1838% | 1,485 |
| Net loans and leases to deposits | 85.2524% | 1,843 |
| Net loans and leases to core deposits | 98.4783% | 1,477 |
| Total domestic deposits to total assets | 85.8437% | 3,615 |
| Equity capital to assets | 2.9019% | 7,487 |
| Core capital (leverage) ratio | 2.7304% | 7,491 |
| Tier 1 risk-based capital ratio | 3.6332% | 7,500 |
| Total risk-based capital ratio | 4.9311% | 7,501 |
| Memoranda: | ||
| Average total assets | $69,179,500 | 5,890 |
| Average earning assets | $62,506,000 | 5,919 |
| Average equity | $1,853,000 | 7,424 |
| Average total loans | $51,315,500 | 5,351 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0311% | 4,406 |
| Cost of funding earning assets | 1.7826% | 1,241 |
| Net interest margin | 3.2485% | 6,141 |
| Noninterest income to average assets | -0.6855% | 7,589 |
| Noninterest expense to average assets | 4.2957% | 814 |
| Loan and lease loss provision to assets | 3.4685% | 229 |
| Net operating income to assets | -5.3476% | 7,559 |
| Return on assets (ROA) | -5.3476% | 7,564 |
| Pretax return on assets | -5.5046% | 7,562 |
| Return on Equity (ROE) | -118.4002% | 7,611 |
| Retained earnings to average equity (ytd only) | -118.4002% | 7,611 |
| Net charge-offs to loans | 2.5848% | 717 |
| Credit loss provision to net charge-offs | 184.3284% | 1,785 |
| Earnings coverage of net charge-offs (x) | -1.0821% | 6,626 |
| Efficiency ratio | 152.2034% | 204 |
| Assets per employee ($millions) | 4.9027% | 2,290 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7598% | 230 |
| Loan loss allowance to noncurrent loans | 52.8107% | 4,846 |
| Noncurrent assets plus other real estate owned to assets | 12.0139% | 276 |
| Noncurrent loans to loans | 9.0130% | 517 |
| Net loans and leases to total assets | 67.9943% | 2,985 |
| Net loans and leases to deposits | 77.5421% | 3,584 |
| Net loans and leases to core deposits | 103.2096% | 1,372 |
| Total domestic deposits to total assets | 87.6870% | 2,430 |
| Equity capital to assets | 2.4816% | 7,588 |
| Core capital (leverage) ratio | 2.4268% | 7,587 |
| Tier 1 risk-based capital ratio | 3.3904% | 7,590 |
| Total risk-based capital ratio | 4.6816% | 7,589 |
| Memoranda: | ||
| Average total assets | $78,334,400 | 5,634 |
| Average earning assets | $71,018,200 | 5,633 |
| Average equity | $3,538,000 | 7,126 |
| Average total loans | $57,026,200 | 5,199 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0084% | 4,776 |
| Cost of funding earning assets | 1.8249% | 1,325 |
| Net interest margin | 3.1835% | 6,400 |
| Noninterest income to average assets | -0.5381% | 7,685 |
| Noninterest expense to average assets | 3.3830% | 2,347 |
| Loan and lease loss provision to assets | 4.2480% | 135 |
| Net operating income to assets | -5.0795% | 7,651 |
| Return on assets (ROA) | -5.0795% | 7,662 |
| Pretax return on assets | -5.2857% | 7,659 |
| Return on Equity (ROE) | -101.8569% | 7,696 |
| Retained earnings to average equity (ytd only) | -101.8569% | 7,696 |
| Net charge-offs to loans | 5.0070% | 175 |
| Credit loss provision to net charge-offs | 116.0256% | 3,594 |
| Earnings coverage of net charge-offs (x) | -0.2834% | 6,232 |
| Efficiency ratio | 144.2459% | 228 |
| Assets per employee ($millions) | 5.0768% | 2,084 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9243% | 881 |
| Loan loss allowance to noncurrent loans | 32.3921% | 6,174 |
| Noncurrent assets plus other real estate owned to assets | 11.8198% | 282 |
| Noncurrent loans to loans | 9.0277% | 532 |
| Net loans and leases to total assets | 70.0100% | 2,730 |
| Net loans and leases to deposits | 80.3842% | 3,378 |
| Net loans and leases to core deposits | 107.1358% | 1,229 |
| Total domestic deposits to total assets | 87.0942% | 2,472 |
| Equity capital to assets | 3.4589% | 7,668 |
| Core capital (leverage) ratio | 2.5314% | 7,696 |
| Tier 1 risk-based capital ratio | 3.4271% | 7,701 |
| Total risk-based capital ratio | 4.6963% | 7,702 |
| Memoranda: | ||
| Average total assets | $79,533,000 | 5,673 |
| Average earning assets | $72,037,500 | 5,670 |
| Average equity | $3,966,250 | 7,104 |
| Average total loans | $58,157,250 | 5,225 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0000% | 4,938 |
| Cost of funding earning assets | 1.8825% | 1,297 |
| Net interest margin | 3.1175% | 6,560 |
| Noninterest income to average assets | -0.8182% | 7,781 |
| Noninterest expense to average assets | 3.1093% | 3,276 |
| Loan and lease loss provision to assets | 4.4979% | 145 |
| Net operating income to assets | -5.2913% | 7,707 |
| Return on assets (ROA) | -5.2913% | 7,711 |
| Pretax return on assets | -5.5963% | 7,708 |
| Return on Equity (ROE) | -96.7728% | 7,732 |
| Retained earnings to average equity (ytd only) | -96.7728% | 7,731 |
| Net charge-offs to loans | 4.8686% | 220 |
| Credit loss provision to net charge-offs | 125.7975% | 3,203 |
| Earnings coverage of net charge-offs (x) | -0.3072% | 5,932 |
| Efficiency ratio | 154.6239% | 192 |
| Assets per employee ($millions) | 5.0123% | 2,171 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8119% | 989 |
| Loan loss allowance to noncurrent loans | 33.1568% | 6,159 |
| Noncurrent assets plus other real estate owned to assets | 10.1213% | 399 |
| Noncurrent loans to loans | 8.4807% | 590 |
| Net loans and leases to total assets | 70.1622% | 2,867 |
| Net loans and leases to deposits | 80.9763% | 3,434 |
| Net loans and leases to core deposits | 108.2910% | 1,281 |
| Total domestic deposits to total assets | 86.6454% | 2,734 |
| Equity capital to assets | 4.4017% | 7,670 |
| Core capital (leverage) ratio | 3.5530% | 7,706 |
| Tier 1 risk-based capital ratio | 4.8456% | 7,709 |
| Total risk-based capital ratio | 6.1150% | 7,709 |
| Memoranda: | ||
| Average total assets | $80,660,000 | 5,679 |
| Average earning assets | $73,199,670 | 5,666 |
| Average equity | $4,410,330 | 6,975 |
| Average total loans | $59,236,330 | 5,215 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1144% | 4,461 |
| Cost of funding earning assets | 2.0024% | 1,076 |
| Net interest margin | 3.1119% | 6,560 |
| Noninterest income to average assets | -0.8555% | 7,893 |
| Noninterest expense to average assets | 3.3329% | 2,421 |
| Loan and lease loss provision to assets | 6.7003% | 91 |
| Net operating income to assets | -8.0453% | 7,869 |
| Return on assets (ROA) | -8.0453% | 7,870 |
| Pretax return on assets | -8.0453% | 7,861 |
| Return on Equity (ROE) | -134.1717% | 7,860 |
| Retained earnings to average equity (ytd only) | -134.1717% | 7,857 |
| Net charge-offs to loans | 1.8295% | 942 |
| Credit loss provision to net charge-offs | 494.5255% | 864 |
| Earnings coverage of net charge-offs (x) | -0.9927% | 5,384 |
| Efficiency ratio | 167.6617% | 152 |
| Assets per employee ($millions) | 5.5256% | 1,643 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9753% | 389 |
| Loan loss allowance to noncurrent loans | 72.3305% | 3,748 |
| Noncurrent assets plus other real estate owned to assets | 8.5843% | 547 |
| Noncurrent loans to loans | 5.4960% | 1,275 |
| Net loans and leases to total assets | 68.1084% | 3,359 |
| Net loans and leases to deposits | 78.7333% | 3,897 |
| Net loans and leases to core deposits | 107.0729% | 1,489 |
| Total domestic deposits to total assets | 86.5052% | 2,892 |
| Equity capital to assets | 4.8707% | 7,730 |
| Core capital (leverage) ratio | 4.0941% | 7,770 |
| Tier 1 risk-based capital ratio | 5.6197% | 7,767 |
| Total risk-based capital ratio | 6.9020% | 7,769 |
| Memoranda: | ||
| Average total assets | $80,891,500 | 5,740 |
| Average earning assets | $73,909,500 | 5,709 |
| Average equity | $4,850,500 | 6,894 |
| Average total loans | $59,906,500 | 5,252 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4199% | 4,590 |
| Cost of funding earning assets | 2.4158% | 1,253 |
| Net interest margin | 3.0041% | 6,638 |
| Noninterest income to average assets | 0.0705% | 7,399 |
| Noninterest expense to average assets | 3.1517% | 3,541 |
| Loan and lease loss provision to assets | 2.0403% | 1,049 |
| Net operating income to assets | -2.2417% | 7,177 |
| Return on assets (ROA) | -2.2417% | 7,179 |
| Pretax return on assets | -2.2933% | 7,061 |
| Return on Equity (ROE) | -27.3554% | 7,348 |
| Retained earnings to average equity (ytd only) | -27.3554% | 7,322 |
| Net charge-offs to loans | 1.9084% | 1,296 |
| Credit loss provision to net charge-offs | 124.8844% | 4,197 |
| Earnings coverage of net charge-offs (x) | -0.1549% | 6,396 |
| Efficiency ratio | 108.7277% | 825 |
| Assets per employee ($millions) | 5.6356% | 1,526 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0582% | 1,896 |
| Loan loss allowance to noncurrent loans | 37.1049% | 5,957 |
| Noncurrent assets plus other real estate owned to assets | 8.1256% | 543 |
| Noncurrent loans to loans | 5.5469% | 1,156 |
| Net loans and leases to total assets | 75.7538% | 1,866 |
| Net loans and leases to deposits | 90.4577% | 2,147 |
| Net loans and leases to core deposits | 120.4170% | 1,923 |
| Total domestic deposits to total assets | 83.7450% | 4,156 |
| Equity capital to assets | 7.1788% | 7,273 |
| Core capital (leverage) ratio | 6.2280% | 7,581 |
| Tier 1 risk-based capital ratio | 8.0164% | 7,652 |
| Total risk-based capital ratio | 9.2767% | 7,658 |
| Memoranda: | ||
| Average total assets | $79,448,800 | 5,743 |
| Average earning assets | $74,798,400 | 5,644 |
| Average equity | $6,510,600 | 6,423 |
| Average total loans | $68,014,600 | 4,939 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4954% | 4,439 |
| Cost of funding earning assets | 2.4736% | 1,382 |
| Net interest margin | 3.0218% | 6,545 |
| Noninterest income to average assets | 0.0771% | 7,520 |
| Noninterest expense to average assets | 3.0490% | 3,846 |
| Loan and lease loss provision to assets | 2.0656% | 858 |
| Net operating income to assets | -2.8865% | 7,563 |
| Return on assets (ROA) | -2.8865% | 7,561 |
| Pretax return on assets | -2.1745% | 7,243 |
| Return on Equity (ROE) | -34.1743% | 7,688 |
| Retained earnings to average equity (ytd only) | -34.1743% | 7,681 |
| Net charge-offs to loans | 0.6632% | 2,704 |
| Credit loss provision to net charge-offs | 355.3314% | 1,155 |
| Earnings coverage of net charge-offs (x) | -0.1873% | 6,278 |
| Efficiency ratio | 103.7037% | 929 |
| Assets per employee ($millions) | 5.6559% | 1,468 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7745% | 814 |
| Loan loss allowance to noncurrent loans | 29.8441% | 6,468 |
| Noncurrent assets plus other real estate owned to assets | 7.6974% | 571 |
| Noncurrent loans to loans | 9.2967% | 460 |
| Net loans and leases to total assets | 80.4996% | 1,086 |
| Net loans and leases to deposits | 96.2943% | 1,537 |
| Net loans and leases to core deposits | 124.9941% | 1,816 |
| Total domestic deposits to total assets | 83.5975% | 3,908 |
| Equity capital to assets | 7.2263% | 7,467 |
| Core capital (leverage) ratio | 6.4154% | 7,700 |
| Tier 1 risk-based capital ratio | 8.0675% | 7,783 |
| Total risk-based capital ratio | 9.3373% | 7,798 |
| Memoranda: | ||
| Average total assets | $79,586,250 | 5,781 |
| Average earning assets | $75,406,750 | 5,657 |
| Average equity | $6,722,250 | 6,417 |
| Average total loans | $69,762,000 | 4,923 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5560% | 4,309 |
| Cost of funding earning assets | 2.5656% | 1,387 |
| Net interest margin | 2.9905% | 6,578 |
| Noninterest income to average assets | 0.0803% | 7,579 |
| Noninterest expense to average assets | 3.0883% | 3,748 |
| Loan and lease loss provision to assets | 1.6483% | 1,013 |
| Net operating income to assets | -1.1465% | 7,082 |
| Return on assets (ROA) | -1.1465% | 7,089 |
| Pretax return on assets | -1.8314% | 7,226 |
| Return on Equity (ROE) | -12.9541% | 7,224 |
| Retained earnings to average equity (ytd only) | -12.9541% | 7,110 |
| Net charge-offs to loans | 0.1124% | 5,036 |
| Credit loss provision to net charge-offs | 1,642.5000% | 313 |
| Earnings coverage of net charge-offs (x) | -1.8250% | 6,336 |
| Efficiency ratio | 106.3040% | 962 |
| Assets per employee ($millions) | 4.8681% | 2,239 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2787% | 1,129 |
| Loan loss allowance to noncurrent loans | 28.2537% | 6,612 |
| Noncurrent assets plus other real estate owned to assets | 7.0434% | 597 |
| Noncurrent loans to loans | 8.0652% | 552 |
| Net loans and leases to total assets | 85.3407% | 459 |
| Net loans and leases to deposits | 103.9828% | 918 |
| Net loans and leases to core deposits | 129.1100% | 1,638 |
| Total domestic deposits to total assets | 82.0719% | 4,661 |
| Equity capital to assets | 8.6687% | 5,796 |
| Core capital (leverage) ratio | 8.2367% | 5,910 |
| Tier 1 risk-based capital ratio | 9.4509% | 7,433 |
| Total risk-based capital ratio | 10.7136% | 7,377 |
| Memoranda: | ||
| Average total assets | $79,720,670 | 5,808 |
| Average earning assets | $75,305,330 | 5,697 |
| Average equity | $7,055,670 | 6,351 |
| Average total loans | $71,162,330 | 4,914 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4843% | 4,988 |
| Cost of funding earning assets | 2.7107% | 1,240 |
| Net interest margin | 2.7736% | 7,048 |
| Noninterest income to average assets | 0.0794% | 7,658 |
| Noninterest expense to average assets | 2.9317% | 4,049 |
| Loan and lease loss provision to assets | 1.4634% | 861 |
| Net operating income to assets | -1.0616% | 7,292 |
| Return on assets (ROA) | -1.0616% | 7,302 |
| Pretax return on assets | -1.6915% | 7,436 |
| Return on Equity (ROE) | -11.8765% | 7,465 |
| Retained earnings to average equity (ytd only) | -11.8765% | 7,257 |
| Net charge-offs to loans | 0.2695% | 3,051 |
| Credit loss provision to net charge-offs | 602.0408% | 937 |
| Earnings coverage of net charge-offs (x) | -0.9388% | 5,347 |
| Efficiency ratio | 108.4404% | 853 |
| Assets per employee ($millions) | 4.6638% | 2,493 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6524% | 2,308 |
| Loan loss allowance to noncurrent loans | 22.1076% | 7,060 |
| Noncurrent assets plus other real estate owned to assets | 6.7265% | 530 |
| Noncurrent loans to loans | 7.4743% | 505 |
| Net loans and leases to total assets | 88.5071% | 228 |
| Net loans and leases to deposits | 114.9042% | 412 |
| Net loans and leases to core deposits | 135.4097% | 1,340 |
| Total domestic deposits to total assets | 77.0269% | 6,273 |
| Equity capital to assets | 8.8921% | 5,494 |
| Core capital (leverage) ratio | 8.2320% | 6,030 |
| Tier 1 risk-based capital ratio | 9.2299% | 7,648 |
| Total risk-based capital ratio | 10.4850% | 7,631 |
| Memoranda: | ||
| Average total assets | $80,636,500 | 5,798 |
| Average earning assets | $76,290,500 | 5,681 |
| Average equity | $7,207,500 | 6,334 |
| Average total loans | $72,733,000 | 4,880 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0264% | 1,058 |
| Cost of funding earning assets | 3.3940% | 721 |
| Net interest margin | 3.6324% | 4,742 |
| Noninterest income to average assets | 0.0930% | 7,667 |
| Noninterest expense to average assets | 2.9158% | 4,394 |
| Loan and lease loss provision to assets | 0.1318% | 5,679 |
| Net operating income to assets | 0.2894% | 5,579 |
| Return on assets (ROA) | 0.2894% | 5,388 |
| Pretax return on assets | 0.4715% | 5,069 |
| Return on Equity (ROE) | 3.0574% | 5,215 |
| Retained earnings to average equity (ytd only) | 3.0574% | 3,262 |
| Net charge-offs to loans | 0.0495% | 6,084 |
| Credit loss provision to net charge-offs | 291.4286% | 1,558 |
| Earnings coverage of net charge-offs (x) | 13.3429% | 2,138 |
| Efficiency ratio | 82.8561% | 2,198 |
| Assets per employee ($millions) | 4.8229% | 2,152 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2589% | 4,058 |
| Loan loss allowance to noncurrent loans | 2,169.7674% | 276 |
| Noncurrent assets plus other real estate owned to assets | 0.0524% | 7,369 |
| Noncurrent loans to loans | 0.0580% | 7,276 |
| Net loans and leases to total assets | 89.2583% | 253 |
| Net loans and leases to deposits | 113.6843% | 628 |
| Net loans and leases to core deposits | 133.3345% | 1,633 |
| Total domestic deposits to total assets | 78.5142% | 5,541 |
| Equity capital to assets | 8.9829% | 5,386 |
| Core capital (leverage) ratio | 8.4982% | 5,582 |
| Tier 1 risk-based capital ratio | 9.0756% | 7,740 |
| Total risk-based capital ratio | 10.3256% | 7,701 |
| Memoranda: | ||
| Average total assets | $77,405,600 | 5,790 |
| Average earning assets | $73,010,400 | 5,709 |
| Average equity | $7,326,400 | 6,343 |
| Average total loans | $70,692,400 | 4,841 |