Home > Syringa Bank > Performance and Condition Ratios
Syringa Bank, Performance and Condition Ratios
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5015% | 2,198 |
| Cost of funding earning assets | 0.7987% | 1,218 |
| Net interest margin | 3.7028% | 3,040 |
| Noninterest income to average assets | 0.2957% | 5,239 |
| Noninterest expense to average assets | 5.0094% | 346 |
| Loan and lease loss provision to assets | 0.2522% | 1,429 |
| Net operating income to assets | -1.4966% | 6,677 |
| Return on assets (ROA) | -1.4966% | 6,674 |
| Pretax return on assets | -1.4966% | 6,664 |
| Return on Equity (ROE) | -53.8127% | 6,778 |
| Retained earnings to average equity (ytd only) | -53.8127% | 6,775 |
| Net charge-offs to loans | -0.0249% | 6,183 |
| Credit loss provision to net charge-offs | -1,250.0000% | 6,254 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 133.0543% | 108 |
| Assets per employee ($millions) | 2.7884% | 6,127 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3563% | 325 |
| Loan loss allowance to noncurrent loans | 102.0299% | 3,564 |
| Noncurrent assets plus other real estate owned to assets | 3.0327% | 1,034 |
| Noncurrent loans to loans | 3.2895% | 998 |
| Net loans and leases to total assets | 75.4970% | 1,149 |
| Net loans and leases to deposits | 79.4051% | 2,534 |
| Net loans and leases to core deposits | 83.4087% | 2,735 |
| Total domestic deposits to total assets | 95.0783% | 47 |
| Equity capital to assets | 2.0501% | 6,790 |
| Core capital (leverage) ratio | 2.0162% | 6,800 |
| Tier 1 risk-based capital ratio | 2.5723% | 6,803 |
| Total risk-based capital ratio | 3.8481% | 6,802 |
| Memoranda: | ||
| Average total assets | $158,621,800 | 3,582 |
| Average earning assets | $148,616,600 | 3,531 |
| Average equity | $4,411,600 | 6,232 |
| Average total loans | $128,574,800 | 2,884 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5636% | 1,998 |
| Cost of funding earning assets | 0.8271% | 1,174 |
| Net interest margin | 3.7364% | 2,901 |
| Noninterest income to average assets | 0.3976% | 4,552 |
| Noninterest expense to average assets | 4.9835% | 340 |
| Loan and lease loss provision to assets | 0.3335% | 988 |
| Net operating income to assets | -1.4247% | 6,752 |
| Return on assets (ROA) | -1.4247% | 6,757 |
| Pretax return on assets | -1.4247% | 6,749 |
| Return on Equity (ROE) | -48.1889% | 6,858 |
| Retained earnings to average equity (ytd only) | -48.1889% | 6,855 |
| Net charge-offs to loans | -0.0010% | 5,656 |
| Credit loss provision to net charge-offs | -40,000.0000% | 6,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 128.0360% | 134 |
| Assets per employee ($millions) | 2.5571% | 6,420 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1781% | 463 |
| Loan loss allowance to noncurrent loans | 91.8720% | 3,688 |
| Noncurrent assets plus other real estate owned to assets | 3.8696% | 826 |
| Noncurrent loans to loans | 3.4593% | 1,105 |
| Net loans and leases to total assets | 79.2283% | 626 |
| Net loans and leases to deposits | 83.7919% | 1,904 |
| Net loans and leases to core deposits | 88.1972% | 2,166 |
| Total domestic deposits to total assets | 94.5537% | 50 |
| Equity capital to assets | 2.4905% | 6,861 |
| Core capital (leverage) ratio | 2.4255% | 6,873 |
| Tier 1 risk-based capital ratio | 2.9933% | 6,883 |
| Total risk-based capital ratio | 4.2678% | 6,883 |
| Memoranda: | ||
| Average total assets | $159,937,000 | 3,595 |
| Average earning assets | $149,586,500 | 3,543 |
| Average equity | $4,728,500 | 6,217 |
| Average total loans | $130,767,500 | 2,865 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5754% | 1,923 |
| Cost of funding earning assets | 0.8363% | 1,221 |
| Net interest margin | 3.7391% | 2,807 |
| Noninterest income to average assets | 0.4380% | 4,263 |
| Noninterest expense to average assets | 4.9584% | 365 |
| Loan and lease loss provision to assets | 0.4935% | 560 |
| Net operating income to assets | -1.5113% | 6,813 |
| Return on assets (ROA) | -1.5113% | 6,816 |
| Pretax return on assets | -1.5113% | 6,806 |
| Return on Equity (ROE) | -48.6981% | 6,902 |
| Retained earnings to average equity (ytd only) | -48.6981% | 6,897 |
| Net charge-offs to loans | 0.0815% | 3,556 |
| Credit loss provision to net charge-offs | 740.7407% | 407 |
| Earnings coverage of net charge-offs (x) | -15.2778% | 4,871 |
| Efficiency ratio | 125.8297% | 152 |
| Assets per employee ($millions) | 2.5793% | 6,415 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0856% | 535 |
| Loan loss allowance to noncurrent loans | 79.7002% | 4,039 |
| Noncurrent assets plus other real estate owned to assets | 4.2770% | 783 |
| Noncurrent loans to loans | 3.8715% | 1,031 |
| Net loans and leases to total assets | 79.8414% | 551 |
| Net loans and leases to deposits | 84.6662% | 1,713 |
| Net loans and leases to core deposits | 89.4151% | 1,963 |
| Total domestic deposits to total assets | 94.3014% | 52 |
| Equity capital to assets | 2.8160% | 6,906 |
| Core capital (leverage) ratio | 2.6822% | 6,913 |
| Tier 1 risk-based capital ratio | 3.3150% | 6,924 |
| Total risk-based capital ratio | 4.5878% | 6,924 |
| Memoranda: | ||
| Average total assets | $162,107,670 | 3,579 |
| Average earning assets | $151,854,330 | 3,517 |
| Average equity | $5,031,000 | 6,174 |
| Average total loans | $132,508,000 | 2,829 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5405% | 2,020 |
| Cost of funding earning assets | 0.8623% | 1,194 |
| Net interest margin | 3.6782% | 2,959 |
| Noninterest income to average assets | 0.4994% | 3,771 |
| Noninterest expense to average assets | 4.8087% | 420 |
| Loan and lease loss provision to assets | 0.9651% | 188 |
| Net operating income to assets | -1.8265% | 6,912 |
| Return on assets (ROA) | -1.8265% | 6,914 |
| Pretax return on assets | -1.8265% | 6,903 |
| Return on Equity (ROE) | -56.4136% | 6,976 |
| Retained earnings to average equity (ytd only) | -56.4136% | 6,970 |
| Net charge-offs to loans | 0.3466% | 1,604 |
| Credit loss provision to net charge-offs | 341.8803% | 717 |
| Earnings coverage of net charge-offs (x) | -3.0513% | 4,046 |
| Efficiency ratio | 121.8215% | 203 |
| Assets per employee ($millions) | 2.5516% | 6,534 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9199% | 716 |
| Loan loss allowance to noncurrent loans | 75.5660% | 4,106 |
| Noncurrent assets plus other real estate owned to assets | 4.3260% | 870 |
| Noncurrent loans to loans | 3.8640% | 1,189 |
| Net loans and leases to total assets | 80.0857% | 413 |
| Net loans and leases to deposits | 85.1486% | 1,451 |
| Net loans and leases to core deposits | 89.1117% | 1,794 |
| Total domestic deposits to total assets | 94.0541% | 72 |
| Equity capital to assets | 3.0893% | 6,976 |
| Core capital (leverage) ratio | 2.8325% | 6,975 |
| Tier 1 risk-based capital ratio | 3.5275% | 6,986 |
| Total risk-based capital ratio | 4.7983% | 6,986 |
| Memoranda: | ||
| Average total assets | $165,782,500 | 3,569 |
| Average earning assets | $155,402,000 | 3,509 |
| Average equity | $5,367,500 | 6,147 |
| Average total loans | $135,014,500 | 2,803 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7786% | 2,276 |
| Cost of funding earning assets | 0.9819% | 1,455 |
| Net interest margin | 3.7966% | 3,242 |
| Noninterest income to average assets | 0.3174% | 5,186 |
| Noninterest expense to average assets | 4.7451% | 454 |
| Loan and lease loss provision to assets | 0.4437% | 1,424 |
| Net operating income to assets | -1.3544% | 6,831 |
| Return on assets (ROA) | -1.3544% | 6,840 |
| Pretax return on assets | -1.3544% | 6,817 |
| Return on Equity (ROE) | -35.9404% | 6,978 |
| Retained earnings to average equity (ytd only) | -35.9404% | 6,964 |
| Net charge-offs to loans | 0.6942% | 1,703 |
| Credit loss provision to net charge-offs | 79.4203% | 3,851 |
| Earnings coverage of net charge-offs (x) | -1.6300% | 5,814 |
| Efficiency ratio | 123.7505% | 184 |
| Assets per employee ($millions) | 2.7114% | 6,415 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6110% | 1,009 |
| Loan loss allowance to noncurrent loans | 75.5051% | 4,069 |
| Noncurrent assets plus other real estate owned to assets | 4.1132% | 1,030 |
| Noncurrent loans to loans | 3.4580% | 1,449 |
| Net loans and leases to total assets | 78.3486% | 635 |
| Net loans and leases to deposits | 85.5703% | 1,568 |
| Net loans and leases to core deposits | 90.5384% | 1,775 |
| Total domestic deposits to total assets | 91.5605% | 323 |
| Equity capital to assets | 3.3773% | 7,024 |
| Core capital (leverage) ratio | 3.0840% | 7,029 |
| Tier 1 risk-based capital ratio | 3.9482% | 7,040 |
| Total risk-based capital ratio | 5.2150% | 7,040 |
| Memoranda: | ||
| Average total assets | $185,244,400 | 3,237 |
| Average earning assets | $171,600,000 | 3,209 |
| Average equity | $6,981,000 | 5,771 |
| Average total loans | $149,090,800 | 2,586 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8076% | 2,366 |
| Cost of funding earning assets | 1.0011% | 1,551 |
| Net interest margin | 3.8065% | 3,314 |
| Noninterest income to average assets | 0.4257% | 4,433 |
| Noninterest expense to average assets | 4.8976% | 390 |
| Loan and lease loss provision to assets | 0.5803% | 984 |
| Net operating income to assets | -1.5356% | 6,974 |
| Return on assets (ROA) | -1.5356% | 6,984 |
| Pretax return on assets | -1.5356% | 6,963 |
| Return on Equity (ROE) | -39.8123% | 7,098 |
| Retained earnings to average equity (ytd only) | -39.8123% | 7,091 |
| Net charge-offs to loans | 0.6280% | 1,748 |
| Credit loss provision to net charge-offs | 114.8045% | 2,538 |
| Earnings coverage of net charge-offs (x) | -1.8897% | 5,643 |
| Efficiency ratio | 124.2299% | 173 |
| Assets per employee ($millions) | 2.8840% | 6,239 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7138% | 964 |
| Loan loss allowance to noncurrent loans | 70.9718% | 4,177 |
| Noncurrent assets plus other real estate owned to assets | 4.4802% | 1,040 |
| Noncurrent loans to loans | 3.8237% | 1,378 |
| Net loans and leases to total assets | 78.3306% | 690 |
| Net loans and leases to deposits | 85.3590% | 1,679 |
| Net loans and leases to core deposits | 91.6379% | 1,817 |
| Total domestic deposits to total assets | 91.7661% | 239 |
| Equity capital to assets | 3.4316% | 7,120 |
| Core capital (leverage) ratio | 3.1888% | 7,123 |
| Tier 1 risk-based capital ratio | 4.0041% | 7,138 |
| Total risk-based capital ratio | 5.2723% | 7,138 |
| Memoranda: | ||
| Average total assets | $188,851,500 | 3,220 |
| Average earning assets | $174,470,750 | 3,205 |
| Average equity | $7,284,000 | 5,750 |
| Average total loans | $152,008,500 | 2,578 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8909% | 2,144 |
| Cost of funding earning assets | 1.0239% | 1,619 |
| Net interest margin | 3.8670% | 3,056 |
| Noninterest income to average assets | 0.3975% | 4,673 |
| Noninterest expense to average assets | 4.9834% | 381 |
| Loan and lease loss provision to assets | 0.5702% | 1,066 |
| Net operating income to assets | -1.6035% | 7,032 |
| Return on assets (ROA) | -1.6035% | 7,042 |
| Pretax return on assets | -1.6035% | 7,020 |
| Return on Equity (ROE) | -40.2000% | 7,145 |
| Retained earnings to average equity (ytd only) | -40.2000% | 7,139 |
| Net charge-offs to loans | 0.7408% | 1,490 |
| Credit loss provision to net charge-offs | 95.6370% | 2,885 |
| Earnings coverage of net charge-offs (x) | -1.7330% | 5,366 |
| Efficiency ratio | 126.1591% | 185 |
| Assets per employee ($millions) | 2.6120% | 6,642 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5399% | 1,232 |
| Loan loss allowance to noncurrent loans | 98.4872% | 3,242 |
| Noncurrent assets plus other real estate owned to assets | 4.8877% | 986 |
| Noncurrent loans to loans | 2.5789% | 2,331 |
| Net loans and leases to total assets | 80.3926% | 464 |
| Net loans and leases to deposits | 87.8494% | 1,375 |
| Net loans and leases to core deposits | 94.2674% | 1,575 |
| Total domestic deposits to total assets | 91.5119% | 309 |
| Equity capital to assets | 3.7464% | 7,150 |
| Core capital (leverage) ratio | 3.3766% | 7,158 |
| Tier 1 risk-based capital ratio | 4.2354% | 7,182 |
| Total risk-based capital ratio | 5.5034% | 7,185 |
| Memoranda: | ||
| Average total assets | $192,198,670 | 3,192 |
| Average earning assets | $176,572,670 | 3,182 |
| Average equity | $7,666,670 | 5,664 |
| Average total loans | $154,688,000 | 2,541 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0242% | 1,807 |
| Cost of funding earning assets | 1.0215% | 1,856 |
| Net interest margin | 4.0026% | 2,494 |
| Noninterest income to average assets | 0.4723% | 4,124 |
| Noninterest expense to average assets | 4.9772% | 370 |
| Loan and lease loss provision to assets | -0.2664% | 7,225 |
| Net operating income to assets | -0.5611% | 6,864 |
| Return on assets (ROA) | -0.5611% | 6,886 |
| Pretax return on assets | -0.5611% | 6,855 |
| Return on Equity (ROE) | -13.6878% | 7,050 |
| Retained earnings to average equity (ytd only) | -13.6878% | 6,945 |
| Net charge-offs to loans | 0.5200% | 1,789 |
| Credit loss provision to net charge-offs | -64.3902% | 5,443 |
| Earnings coverage of net charge-offs (x) | -2.0000% | 4,612 |
| Efficiency ratio | 119.9416% | 221 |
| Assets per employee ($millions) | 2.8830% | 6,383 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2677% | 1,743 |
| Loan loss allowance to noncurrent loans | 56.3435% | 4,720 |
| Noncurrent assets plus other real estate owned to assets | 5.3652% | 940 |
| Noncurrent loans to loans | 4.0248% | 1,518 |
| Net loans and leases to total assets | 75.0469% | 914 |
| Net loans and leases to deposits | 85.5393% | 1,471 |
| Net loans and leases to core deposits | 91.5884% | 1,688 |
| Total domestic deposits to total assets | 87.7338% | 2,506 |
| Equity capital to assets | 4.0034% | 7,185 |
| Core capital (leverage) ratio | 3.9265% | 7,185 |
| Tier 1 risk-based capital ratio | 4.9304% | 7,218 |
| Total risk-based capital ratio | 6.1929% | 7,220 |
| Memoranda: | ||
| Average total assets | $198,184,000 | 3,131 |
| Average earning assets | $182,080,000 | 3,122 |
| Average equity | $8,124,000 | 5,555 |
| Average total loans | $157,699,000 | 2,515 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2529% | 1,857 |
| Cost of funding earning assets | 1.1418% | 2,400 |
| Net interest margin | 4.1111% | 2,386 |
| Noninterest income to average assets | -0.2940% | 7,198 |
| Noninterest expense to average assets | 4.4887% | 594 |
| Loan and lease loss provision to assets | 1.4639% | 516 |
| Net operating income to assets | -2.4845% | 7,115 |
| Return on assets (ROA) | -2.4845% | 7,120 |
| Pretax return on assets | -2.4845% | 7,119 |
| Return on Equity (ROE) | -47.4186% | 7,196 |
| Retained earnings to average equity (ytd only) | -47.4186% | 7,193 |
| Net charge-offs to loans | 2.0714% | 651 |
| Credit loss provision to net charge-offs | 86.4768% | 4,182 |
| Earnings coverage of net charge-offs (x) | -0.6029% | 6,112 |
| Efficiency ratio | 129.4276% | 236 |
| Assets per employee ($millions) | 2.8206% | 6,429 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3370% | 1,563 |
| Loan loss allowance to noncurrent loans | 50.5856% | 4,984 |
| Noncurrent assets plus other real estate owned to assets | 6.1285% | 793 |
| Noncurrent loans to loans | 4.6199% | 1,281 |
| Net loans and leases to total assets | 80.4517% | 449 |
| Net loans and leases to deposits | 92.0760% | 963 |
| Net loans and leases to core deposits | 97.6342% | 1,362 |
| Total domestic deposits to total assets | 87.3753% | 2,547 |
| Equity capital to assets | 4.1957% | 7,212 |
| Core capital (leverage) ratio | 3.9483% | 7,213 |
| Tier 1 risk-based capital ratio | 4.8042% | 7,249 |
| Total risk-based capital ratio | 6.0659% | 7,252 |
| Memoranda: | ||
| Average total assets | $213,603,400 | 2,905 |
| Average earning assets | $195,472,600 | 2,909 |
| Average equity | $11,191,800 | 4,739 |
| Average total loans | $174,568,000 | 2,321 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2701% | 1,965 |
| Cost of funding earning assets | 1.1610% | 2,560 |
| Net interest margin | 4.1091% | 2,436 |
| Noninterest income to average assets | 0.2432% | 5,881 |
| Noninterest expense to average assets | 4.4199% | 619 |
| Loan and lease loss provision to assets | 1.3202% | 561 |
| Net operating income to assets | -1.7373% | 7,091 |
| Return on assets (ROA) | -1.7373% | 7,101 |
| Pretax return on assets | -1.7373% | 7,068 |
| Return on Equity (ROE) | -31.7251% | 7,204 |
| Retained earnings to average equity (ytd only) | -31.7251% | 7,197 |
| Net charge-offs to loans | 1.7354% | 792 |
| Credit loss provision to net charge-offs | 93.2497% | 3,656 |
| Earnings coverage of net charge-offs (x) | -0.2947% | 5,766 |
| Efficiency ratio | 110.4224% | 422 |
| Assets per employee ($millions) | 2.8325% | 6,430 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4652% | 1,444 |
| Loan loss allowance to noncurrent loans | 43.5676% | 5,408 |
| Noncurrent assets plus other real estate owned to assets | 7.2018% | 674 |
| Noncurrent loans to loans | 5.6584% | 1,029 |
| Net loans and leases to total assets | 79.1211% | 595 |
| Net loans and leases to deposits | 93.3299% | 894 |
| Net loans and leases to core deposits | 98.8615% | 1,351 |
| Total domestic deposits to total assets | 84.7758% | 3,881 |
| Equity capital to assets | 5.2169% | 7,248 |
| Core capital (leverage) ratio | 4.9969% | 7,242 |
| Tier 1 risk-based capital ratio | 5.9960% | 7,295 |
| Total risk-based capital ratio | 7.2602% | 7,297 |
| Memoranda: | ||
| Average total assets | $217,644,500 | 2,871 |
| Average earning assets | $199,130,750 | 2,874 |
| Average equity | $11,918,750 | 4,586 |
| Average total loans | $177,549,000 | 2,294 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2740% | 1,982 |
| Cost of funding earning assets | 1.1741% | 2,752 |
| Net interest margin | 4.0999% | 2,411 |
| Noninterest income to average assets | 0.0416% | 7,077 |
| Noninterest expense to average assets | 4.3621% | 695 |
| Loan and lease loss provision to assets | 1.9831% | 311 |
| Net operating income to assets | -2.5571% | 7,267 |
| Return on assets (ROA) | -2.5571% | 7,272 |
| Pretax return on assets | -2.5571% | 7,255 |
| Return on Equity (ROE) | -46.0150% | 7,333 |
| Retained earnings to average equity (ytd only) | -46.0150% | 7,330 |
| Net charge-offs to loans | 2.3449% | 537 |
| Credit loss provision to net charge-offs | 103.4906% | 2,984 |
| Earnings coverage of net charge-offs (x) | -0.2995% | 5,454 |
| Efficiency ratio | 115.1515% | 397 |
| Assets per employee ($millions) | 2.7949% | 6,480 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4712% | 1,489 |
| Loan loss allowance to noncurrent loans | 42.5231% | 5,487 |
| Noncurrent assets plus other real estate owned to assets | 7.0993% | 709 |
| Noncurrent loans to loans | 5.8114% | 1,049 |
| Net loans and leases to total assets | 81.1003% | 441 |
| Net loans and leases to deposits | 95.0151% | 802 |
| Net loans and leases to core deposits | 100.5892% | 1,296 |
| Total domestic deposits to total assets | 85.3552% | 3,699 |
| Equity capital to assets | 5.0260% | 7,320 |
| Core capital (leverage) ratio | 4.6277% | 7,330 |
| Tier 1 risk-based capital ratio | 5.7569% | 7,370 |
| Total risk-based capital ratio | 7.0213% | 7,374 |
| Memoranda: | ||
| Average total assets | $221,269,670 | 2,847 |
| Average earning assets | $202,197,670 | 2,847 |
| Average equity | $12,296,000 | 4,477 |
| Average total loans | $180,821,000 | 2,271 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2862% | 1,912 |
| Cost of funding earning assets | 1.1916% | 2,877 |
| Net interest margin | 4.0946% | 2,286 |
| Noninterest income to average assets | 0.2357% | 6,024 |
| Noninterest expense to average assets | 4.2464% | 776 |
| Loan and lease loss provision to assets | 0.6664% | 1,284 |
| Net operating income to assets | -0.9499% | 7,029 |
| Return on assets (ROA) | -0.9499% | 7,030 |
| Pretax return on assets | -0.9499% | 6,981 |
| Return on Equity (ROE) | -16.3589% | 7,169 |
| Retained earnings to average equity (ytd only) | -16.3589% | 7,074 |
| Net charge-offs to loans | 2.8407% | 387 |
| Credit loss provision to net charge-offs | 28.9453% | 4,135 |
| Earnings coverage of net charge-offs (x) | -0.1232% | 4,652 |
| Efficiency ratio | 107.1556% | 556 |
| Assets per employee ($millions) | 2.8993% | 6,350 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8763% | 2,771 |
| Loan loss allowance to noncurrent loans | 39.6002% | 5,650 |
| Noncurrent assets plus other real estate owned to assets | 6.6823% | 815 |
| Noncurrent loans to loans | 4.7380% | 1,455 |
| Net loans and leases to total assets | 78.8990% | 632 |
| Net loans and leases to deposits | 92.6462% | 966 |
| Net loans and leases to core deposits | 99.4192% | 1,388 |
| Total domestic deposits to total assets | 85.1616% | 3,967 |
| Equity capital to assets | 5.7435% | 7,312 |
| Core capital (leverage) ratio | 5.5824% | 7,306 |
| Tier 1 risk-based capital ratio | 6.7745% | 7,384 |
| Total risk-based capital ratio | 8.0323% | 7,389 |
| Memoranda: | ||
| Average total assets | $225,696,500 | 2,811 |
| Average earning assets | $205,439,500 | 2,835 |
| Average equity | $13,106,000 | 4,309 |
| Average total loans | $182,914,000 | 2,279 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5819% | 1,970 |
| Cost of funding earning assets | 1.3655% | 3,482 |
| Net interest margin | 4.2164% | 2,120 |
| Noninterest income to average assets | 0.0300% | 7,195 |
| Noninterest expense to average assets | 4.0969% | 1,025 |
| Loan and lease loss provision to assets | 0.9601% | 1,692 |
| Net operating income to assets | -1.1274% | 6,752 |
| Return on assets (ROA) | -1.1242% | 6,775 |
| Pretax return on assets | -1.1274% | 6,711 |
| Return on Equity (ROE) | -18.6184% | 7,013 |
| Retained earnings to average equity (ytd only) | -18.6184% | 6,988 |
| Net charge-offs to loans | 2.8069% | 625 |
| Credit loss provision to net charge-offs | 41.0015% | 6,371 |
| Earnings coverage of net charge-offs (x) | -0.0728% | 6,194 |
| Efficiency ratio | 104.3421% | 662 |
| Assets per employee ($millions) | 2.9630% | 6,181 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3025% | 1,689 |
| Loan loss allowance to noncurrent loans | 48.5569% | 5,079 |
| Noncurrent assets plus other real estate owned to assets | 7.1813% | 746 |
| Noncurrent loans to loans | 4.7418% | 1,466 |
| Net loans and leases to total assets | 79.7868% | 688 |
| Net loans and leases to deposits | 94.6220% | 1,000 |
| Net loans and leases to core deposits | 103.8415% | 1,327 |
| Total domestic deposits to total assets | 84.3216% | 4,216 |
| Equity capital to assets | 5.8690% | 7,357 |
| Core capital (leverage) ratio | 5.3523% | 7,376 |
| Tier 1 risk-based capital ratio | 6.7498% | 7,448 |
| Total risk-based capital ratio | 8.0115% | 7,450 |
| Memoranda: | ||
| Average total assets | $249,874,000 | 2,547 |
| Average earning assets | $230,905,400 | 2,516 |
| Average equity | $15,087,200 | 3,926 |
| Average total loans | $208,453,000 | 2,086 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5170% | 2,368 |
| Cost of funding earning assets | 1.3766% | 3,731 |
| Net interest margin | 4.1404% | 2,446 |
| Noninterest income to average assets | 0.3593% | 5,295 |
| Noninterest expense to average assets | 4.0311% | 1,016 |
| Loan and lease loss provision to assets | 0.8335% | 1,823 |
| Net operating income to assets | -0.6617% | 6,708 |
| Return on assets (ROA) | -0.6575% | 6,749 |
| Pretax return on assets | -0.6575% | 6,651 |
| Return on Equity (ROE) | -10.8218% | 6,961 |
| Retained earnings to average equity (ytd only) | -10.8218% | 6,917 |
| Net charge-offs to loans | 2.3746% | 732 |
| Credit loss provision to net charge-offs | 41.8788% | 5,995 |
| Earnings coverage of net charge-offs (x) | 0.0863% | 5,944 |
| Efficiency ratio | 95.9120% | 905 |
| Assets per employee ($millions) | 3.2902% | 5,493 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7134% | 1,071 |
| Loan loss allowance to noncurrent loans | 56.1789% | 4,554 |
| Noncurrent assets plus other real estate owned to assets | 7.0875% | 760 |
| Noncurrent loans to loans | 4.8300% | 1,455 |
| Net loans and leases to total assets | 78.2329% | 996 |
| Net loans and leases to deposits | 91.1604% | 1,553 |
| Net loans and leases to core deposits | 100.7278% | 1,776 |
| Total domestic deposits to total assets | 85.8190% | 3,171 |
| Equity capital to assets | 5.9890% | 7,491 |
| Core capital (leverage) ratio | 6.0870% | 7,421 |
| Tier 1 risk-based capital ratio | 6.9816% | 7,546 |
| Total risk-based capital ratio | 8.2529% | 7,551 |
| Memoranda: | ||
| Average total assets | $255,305,500 | 2,536 |
| Average earning assets | $237,007,000 | 2,494 |
| Average equity | $15,511,500 | 3,901 |
| Average total loans | $213,985,750 | 2,058 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4803% | 2,614 |
| Cost of funding earning assets | 1.4259% | 3,710 |
| Net interest margin | 4.0544% | 2,769 |
| Noninterest income to average assets | 0.3079% | 5,693 |
| Noninterest expense to average assets | 3.9921% | 1,058 |
| Loan and lease loss provision to assets | 0.8822% | 1,651 |
| Net operating income to assets | -0.7915% | 6,859 |
| Return on assets (ROA) | -0.7853% | 6,872 |
| Pretax return on assets | -0.7853% | 6,778 |
| Return on Equity (ROE) | -12.8646% | 7,070 |
| Retained earnings to average equity (ytd only) | -12.8646% | 7,029 |
| Net charge-offs to loans | 3.2980% | 457 |
| Credit loss provision to net charge-offs | 31.4923% | 5,711 |
| Earnings coverage of net charge-offs (x) | 0.0324% | 5,682 |
| Efficiency ratio | 97.7799% | 891 |
| Assets per employee ($millions) | 2.9411% | 6,273 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5339% | 1,261 |
| Loan loss allowance to noncurrent loans | 41.4875% | 5,570 |
| Noncurrent assets plus other real estate owned to assets | 7.9978% | 614 |
| Noncurrent loans to loans | 6.1077% | 1,038 |
| Net loans and leases to total assets | 86.4466% | 197 |
| Net loans and leases to deposits | 101.9636% | 599 |
| Net loans and leases to core deposits | 113.7259% | 927 |
| Total domestic deposits to total assets | 84.7818% | 3,737 |
| Equity capital to assets | 6.5166% | 7,466 |
| Core capital (leverage) ratio | 6.2491% | 7,440 |
| Tier 1 risk-based capital ratio | 6.9809% | 7,605 |
| Total risk-based capital ratio | 8.2458% | 7,608 |
| Memoranda: | ||
| Average total assets | $255,958,670 | 2,545 |
| Average earning assets | $238,307,670 | 2,497 |
| Average equity | $15,624,330 | 3,866 |
| Average total loans | $217,405,000 | 2,053 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4596% | 2,783 |
| Cost of funding earning assets | 1.4465% | 3,899 |
| Net interest margin | 4.0130% | 2,822 |
| Noninterest income to average assets | 0.4131% | 4,782 |
| Noninterest expense to average assets | 3.7012% | 1,516 |
| Loan and lease loss provision to assets | 1.5547% | 749 |
| Net operating income to assets | -1.0965% | 7,165 |
| Return on assets (ROA) | -1.0845% | 7,174 |
| Pretax return on assets | -1.0845% | 7,092 |
| Return on Equity (ROE) | -18.3133% | 7,398 |
| Retained earnings to average equity (ytd only) | -18.3133% | 7,318 |
| Net charge-offs to loans | 2.5487% | 639 |
| Credit loss provision to net charge-offs | 73.2484% | 4,027 |
| Earnings coverage of net charge-offs (x) | 0.2159% | 4,847 |
| Efficiency ratio | 88.9852% | 1,509 |
| Assets per employee ($millions) | 3.0838% | 6,035 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3968% | 585 |
| Loan loss allowance to noncurrent loans | 44.3187% | 5,405 |
| Noncurrent assets plus other real estate owned to assets | 8.9144% | 506 |
| Noncurrent loans to loans | 7.6644% | 731 |
| Net loans and leases to total assets | 82.8202% | 489 |
| Net loans and leases to deposits | 96.5671% | 1,037 |
| Net loans and leases to core deposits | 107.5799% | 1,453 |
| Total domestic deposits to total assets | 85.7644% | 3,278 |
| Equity capital to assets | 6.1513% | 7,600 |
| Core capital (leverage) ratio | 5.6993% | 7,623 |
| Tier 1 risk-based capital ratio | 6.8573% | 7,709 |
| Total risk-based capital ratio | 8.1326% | 7,712 |
| Memoranda: | ||
| Average total assets | $266,292,500 | 2,508 |
| Average earning assets | $248,591,500 | 2,465 |
| Average equity | $15,770,000 | 3,873 |
| Average total loans | $221,763,000 | 2,061 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4319% | 4,524 |
| Cost of funding earning assets | 1.7504% | 4,252 |
| Net interest margin | 3.6815% | 4,210 |
| Noninterest income to average assets | 0.1172% | 7,174 |
| Noninterest expense to average assets | 3.7349% | 1,832 |
| Loan and lease loss provision to assets | 8.5003% | 32 |
| Net operating income to assets | -9.5188% | 7,972 |
| Return on assets (ROA) | -9.5196% | 7,971 |
| Pretax return on assets | -8.6673% | 7,939 |
| Return on Equity (ROE) | -85.4849% | 7,889 |
| Retained earnings to average equity (ytd only) | -87.2889% | 7,889 |
| Net charge-offs to loans | 9.5845% | 44 |
| Credit loss provision to net charge-offs | 100.5345% | 5,487 |
| Earnings coverage of net charge-offs (x) | -0.0197% | 6,228 |
| Efficiency ratio | 104.6597% | 938 |
| Assets per employee ($millions) | 3.2907% | 5,511 |
| Cash dividends to net income (ytd only)* | -2.1102% | 7,434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4150% | 567 |
| Loan loss allowance to noncurrent loans | 52.8641% | 4,831 |
| Noncurrent assets plus other real estate owned to assets | 6.9507% | 726 |
| Noncurrent loans to loans | 6.4600% | 935 |
| Net loans and leases to total assets | 78.2909% | 1,324 |
| Net loans and leases to deposits | 90.0819% | 2,203 |
| Net loans and leases to core deposits | 106.1544% | 3,313 |
| Total domestic deposits to total assets | 86.9108% | 2,559 |
| Equity capital to assets | 5.7148% | 7,708 |
| Core capital (leverage) ratio | 5.8240% | 7,665 |
| Tier 1 risk-based capital ratio | 6.7797% | 7,771 |
| Total risk-based capital ratio | 8.0556% | 7,772 |
| Memoranda: | ||
| Average total assets | $283,248,600 | 2,326 |
| Average earning assets | $265,542,000 | 2,279 |
| Average equity | $31,542,400 | 2,122 |
| Average total loans | $249,871,600 | 1,896 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4927% | 4,450 |
| Cost of funding earning assets | 1.7831% | 4,462 |
| Net interest margin | 3.7097% | 4,026 |
| Noninterest income to average assets | 0.1262% | 7,257 |
| Noninterest expense to average assets | 3.6400% | 1,942 |
| Loan and lease loss provision to assets | 5.6967% | 122 |
| Net operating income to assets | -6.8623% | 7,974 |
| Return on assets (ROA) | -6.8633% | 7,972 |
| Pretax return on assets | -5.7310% | 7,890 |
| Return on Equity (ROE) | -55.0378% | 7,870 |
| Retained earnings to average equity (ytd only) | -57.1789% | 7,880 |
| Net charge-offs to loans | 7.0687% | 107 |
| Credit loss provision to net charge-offs | 89.5677% | 5,493 |
| Earnings coverage of net charge-offs (x) | -0.0052% | 6,075 |
| Efficiency ratio | 100.9238% | 1,021 |
| Assets per employee ($millions) | 3.0322% | 6,076 |
| Cash dividends to net income (ytd only)* | -3.8903% | 7,684 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5436% | 1,020 |
| Loan loss allowance to noncurrent loans | 26.6518% | 6,685 |
| Noncurrent assets plus other real estate owned to assets | 9.3130% | 399 |
| Noncurrent loans to loans | 9.5438% | 432 |
| Net loans and leases to total assets | 88.0242% | 204 |
| Net loans and leases to deposits | 107.2286% | 591 |
| Net loans and leases to core deposits | 126.9893% | 1,653 |
| Total domestic deposits to total assets | 82.0902% | 4,641 |
| Equity capital to assets | 10.1623% | 3,894 |
| Core capital (leverage) ratio | 9.5381% | 3,859 |
| Tier 1 risk-based capital ratio | 10.7626% | 6,200 |
| Total risk-based capital ratio | 12.0279% | 6,147 |
| Memoranda: | ||
| Average total assets | $284,132,750 | 2,330 |
| Average earning assets | $266,576,750 | 2,280 |
| Average equity | $35,431,750 | 1,919 |
| Average total loans | $255,656,500 | 1,882 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4991% | 4,641 |
| Cost of funding earning assets | 1.8021% | 4,746 |
| Net interest margin | 3.6970% | 3,958 |
| Noninterest income to average assets | 0.5012% | 4,432 |
| Noninterest expense to average assets | 3.6596% | 1,922 |
| Loan and lease loss provision to assets | 3.1286% | 480 |
| Net operating income to assets | -2.8371% | 7,638 |
| Return on assets (ROA) | -2.8371% | 7,636 |
| Pretax return on assets | -2.8371% | 7,521 |
| Return on Equity (ROE) | -21.5114% | 7,544 |
| Retained earnings to average equity (ytd only) | -23.3854% | 7,562 |
| Net charge-offs to loans | 3.8201% | 383 |
| Credit loss provision to net charge-offs | 91.1272% | 4,884 |
| Earnings coverage of net charge-offs (x) | 0.0849% | 5,592 |
| Efficiency ratio | 92.6231% | 1,595 |
| Assets per employee ($millions) | 3.2627% | 5,418 |
| Cash dividends to net income (ytd only)* | -8.7116% | 7,857 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7740% | 696 |
| Loan loss allowance to noncurrent loans | 29.7763% | 6,500 |
| Noncurrent assets plus other real estate owned to assets | 9.9458% | 297 |
| Noncurrent loans to loans | 9.3160% | 409 |
| Net loans and leases to total assets | 87.5764% | 265 |
| Net loans and leases to deposits | 120.1332% | 231 |
| Net loans and leases to core deposits | 146.1012% | 755 |
| Total domestic deposits to total assets | 72.8995% | 7,124 |
| Equity capital to assets | 13.1978% | 1,609 |
| Core capital (leverage) ratio | 13.2069% | 1,369 |
| Tier 1 risk-based capital ratio | 13.9310% | 3,559 |
| Total risk-based capital ratio | 15.1990% | 3,481 |
| Memoranda: | ||
| Average total assets | $288,887,330 | 2,330 |
| Average earning assets | $269,569,000 | 2,278 |
| Average equity | $38,100,670 | 1,797 |
| Average total loans | $259,625,330 | 1,889 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5227% | 4,795 |
| Cost of funding earning assets | 1.8700% | 4,791 |
| Net interest margin | 3.6527% | 4,086 |
| Noninterest income to average assets | 0.4155% | 5,091 |
| Noninterest expense to average assets | 3.4758% | 2,159 |
| Loan and lease loss provision to assets | 0.2512% | 3,963 |
| Net operating income to assets | 0.0939% | 5,998 |
| Return on assets (ROA) | 0.0939% | 6,161 |
| Pretax return on assets | 0.0939% | 6,182 |
| Return on Equity (ROE) | 0.7120% | 6,220 |
| Retained earnings to average equity (ytd only) | -0.6701% | 5,804 |
| Net charge-offs to loans | 1.2363% | 1,134 |
| Credit loss provision to net charge-offs | 22.6368% | 5,048 |
| Earnings coverage of net charge-offs (x) | 0.3109% | 4,729 |
| Efficiency ratio | 90.9682% | 1,651 |
| Assets per employee ($millions) | 3.4107% | 5,046 |
| Cash dividends to net income (ytd only)* | 194.1176% | 310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6882% | 636 |
| Loan loss allowance to noncurrent loans | 25.7032% | 6,854 |
| Noncurrent assets plus other real estate owned to assets | 10.8734% | 183 |
| Noncurrent loans to loans | 10.4586% | 258 |
| Net loans and leases to total assets | 87.2936% | 319 |
| Net loans and leases to deposits | 119.7832% | 296 |
| Net loans and leases to core deposits | 142.1002% | 1,008 |
| Total domestic deposits to total assets | 72.8763% | 7,073 |
| Equity capital to assets | 14.5760% | 1,213 |
| Core capital (leverage) ratio | 14.6021% | 1,055 |
| Tier 1 risk-based capital ratio | 15.2284% | 2,959 |
| Total risk-based capital ratio | 16.4942% | 2,904 |
| Memoranda: | ||
| Average total assets | $289,773,000 | 2,336 |
| Average earning assets | $270,156,500 | 2,291 |
| Average equity | $38,204,500 | 1,784 |
| Average total loans | $260,128,000 | 1,904 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8033% | 1,664 |
| Cost of funding earning assets | 2.5777% | 3,808 |
| Net interest margin | 4.2256% | 2,205 |
| Noninterest income to average assets | 0.4042% | 5,432 |
| Noninterest expense to average assets | 4.2082% | 1,137 |
| Loan and lease loss provision to assets | 3.4241% | 242 |
| Net operating income to assets | -2.4442% | 7,694 |
| Return on assets (ROA) | -2.4442% | 7,665 |
| Pretax return on assets | -3.2208% | 7,765 |
| Return on Equity (ROE) | -17.9522% | 7,710 |
| Retained earnings to average equity (ytd only) | -19.3123% | 7,663 |
| Net charge-offs to loans | 2.3806% | 425 |
| Credit loss provision to net charge-offs | 159.4844% | 3,241 |
| Earnings coverage of net charge-offs (x) | 0.0947% | 6,190 |
| Efficiency ratio | 95.3919% | 1,193 |
| Assets per employee ($millions) | 3.2913% | 5,232 |
| Cash dividends to net income (ytd only)* | -7.5762% | 7,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9259% | 469 |
| Loan loss allowance to noncurrent loans | 32.2462% | 6,575 |
| Noncurrent assets plus other real estate owned to assets | 9.3348% | 199 |
| Noncurrent loans to loans | 9.0736% | 256 |
| Net loans and leases to total assets | 87.2057% | 451 |
| Net loans and leases to deposits | 126.1954% | 267 |
| Net loans and leases to core deposits | 158.9683% | 595 |
| Total domestic deposits to total assets | 69.1037% | 7,371 |
| Equity capital to assets | 11.7913% | 2,439 |
| Core capital (leverage) ratio | 11.7597% | 2,096 |
| Tier 1 risk-based capital ratio | 12.2828% | 4,598 |
| Total risk-based capital ratio | 13.5514% | 4,470 |
| Memoranda: | ||
| Average total assets | $292,688,400 | 2,237 |
| Average earning assets | $277,569,400 | 2,186 |
| Average equity | $39,850,200 | 1,690 |
| Average total loans | $263,966,600 | 1,809 |