Home > The Citizens State Bank of Olivia > Performance and Condition Ratios
The Citizens State Bank of Olivia, 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 | 2.7724% | 6,509 |
| Cost of funding earning assets | 0.1806% | 6,387 |
| Net interest margin | 2.5918% | 6,272 |
| Noninterest income to average assets | 0.3052% | 5,159 |
| Noninterest expense to average assets | 3.0936% | 2,754 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | -0.4349% | 6,468 |
| Return on assets (ROA) | -0.4349% | 6,481 |
| Pretax return on assets | -0.4349% | 6,468 |
| Return on Equity (ROE) | -6.0845% | 6,508 |
| Retained earnings to average equity (ytd only) | -6.0845% | 6,418 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 116.3558% | 205 |
| Assets per employee ($millions) | 2.8213% | 6,077 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9138% | 212 |
| Loan loss allowance to noncurrent loans | 308.6022% | 1,439 |
| Noncurrent assets plus other real estate owned to assets | 0.5592% | 4,550 |
| Noncurrent loans to loans | 1.2682% | 3,010 |
| Net loans and leases to total assets | 27.7489% | 6,528 |
| Net loans and leases to deposits | 29.8648% | 6,585 |
| Net loans and leases to core deposits | 29.8648% | 6,602 |
| Total domestic deposits to total assets | 92.9151% | 143 |
| Equity capital to assets | 7.0731% | 6,440 |
| Core capital (leverage) ratio | 7.1010% | 6,502 |
| Tier 1 risk-based capital ratio | 16.7205% | 2,753 |
| Total risk-based capital ratio | 17.9848% | 2,698 |
| Memoranda: | ||
| Average total assets | $26,215,200 | 6,602 |
| Average earning assets | $23,806,200 | 6,581 |
| Average equity | $1,873,600 | 6,711 |
| Average total loans | $8,839,400 | 6,626 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8511% | 6,532 |
| Cost of funding earning assets | 0.1893% | 6,452 |
| Net interest margin | 2.6617% | 6,234 |
| Noninterest income to average assets | 0.2927% | 5,359 |
| Noninterest expense to average assets | 3.0127% | 2,951 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | -0.3078% | 6,526 |
| Return on assets (ROA) | -0.3078% | 6,539 |
| Pretax return on assets | -0.3078% | 6,519 |
| Return on Equity (ROE) | -4.2964% | 6,584 |
| Retained earnings to average equity (ytd only) | -4.2964% | 6,462 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 111.3806% | 253 |
| Assets per employee ($millions) | 2.8313% | 6,104 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4228% | 360 |
| Loan loss allowance to noncurrent loans | 281.3725% | 1,456 |
| Noncurrent assets plus other real estate owned to assets | 0.5965% | 4,650 |
| Noncurrent loans to loans | 1.2165% | 3,384 |
| Net loans and leases to total assets | 31.7793% | 6,460 |
| Net loans and leases to deposits | 34.2425% | 6,563 |
| Net loans and leases to core deposits | 34.2425% | 6,603 |
| Total domestic deposits to total assets | 92.8067% | 140 |
| Equity capital to assets | 7.1776% | 6,498 |
| Core capital (leverage) ratio | 7.3694% | 6,489 |
| Tier 1 risk-based capital ratio | 16.1397% | 3,107 |
| Total risk-based capital ratio | 17.4045% | 3,063 |
| Memoranda: | ||
| Average total assets | $26,421,000 | 6,671 |
| Average earning assets | $23,943,750 | 6,654 |
| Average equity | $1,893,000 | 6,788 |
| Average total loans | $9,216,000 | 6,691 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9351% | 6,504 |
| Cost of funding earning assets | 0.2073% | 6,438 |
| Net interest margin | 2.7278% | 6,135 |
| Noninterest income to average assets | 0.2244% | 5,836 |
| Noninterest expense to average assets | 3.0224% | 2,929 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | -0.3366% | 6,571 |
| Return on assets (ROA) | -0.3366% | 6,601 |
| Pretax return on assets | -0.3366% | 6,571 |
| Return on Equity (ROE) | -4.7014% | 6,632 |
| Retained earnings to average equity (ytd only) | -4.7014% | 6,438 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 112.5348% | 246 |
| Assets per employee ($millions) | 2.7676% | 6,198 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1162% | 520 |
| Loan loss allowance to noncurrent loans | 295.8763% | 1,424 |
| Noncurrent assets plus other real estate owned to assets | 1.8829% | 2,299 |
| Noncurrent loans to loans | 1.0532% | 3,828 |
| Net loans and leases to total assets | 35.8238% | 6,315 |
| Net loans and leases to deposits | 38.6696% | 6,463 |
| Net loans and leases to core deposits | 39.1806% | 6,500 |
| Total domestic deposits to total assets | 92.6409% | 162 |
| Equity capital to assets | 7.3430% | 6,497 |
| Core capital (leverage) ratio | 6.8250% | 6,652 |
| Tier 1 risk-based capital ratio | 15.1325% | 3,690 |
| Total risk-based capital ratio | 16.3990% | 3,642 |
| Memoranda: | ||
| Average total assets | $26,734,000 | 6,714 |
| Average earning assets | $24,122,000 | 6,698 |
| Average equity | $1,914,330 | 6,827 |
| Average total loans | $9,493,000 | 6,730 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9278% | 6,580 |
| Cost of funding earning assets | 0.2080% | 6,537 |
| Net interest margin | 2.7198% | 6,185 |
| Noninterest income to average assets | 0.4919% | 3,824 |
| Noninterest expense to average assets | 2.9370% | 3,199 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.0145% | 6,320 |
| Return on assets (ROA) | 0.0145% | 6,398 |
| Pretax return on assets | 0.0145% | 6,386 |
| Return on Equity (ROE) | 0.2044% | 6,388 |
| Retained earnings to average equity (ytd only) | 0.2044% | 5,715 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.5098% | 570 |
| Assets per employee ($millions) | 2.7949% | 6,282 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1397% | 578 |
| Loan loss allowance to noncurrent loans | 289.8990% | 1,359 |
| Noncurrent assets plus other real estate owned to assets | 1.7961% | 2,608 |
| Noncurrent loans to loans | 1.0830% | 3,984 |
| Net loans and leases to total assets | 31.6791% | 6,530 |
| Net loans and leases to deposits | 34.0761% | 6,634 |
| Net loans and leases to core deposits | 35.8708% | 6,625 |
| Total domestic deposits to total assets | 92.9658% | 130 |
| Equity capital to assets | 7.0128% | 6,711 |
| Core capital (leverage) ratio | 6.8137% | 6,693 |
| Tier 1 risk-based capital ratio | 14.8386% | 3,944 |
| Total risk-based capital ratio | 16.1048% | 3,898 |
| Memoranda: | ||
| Average total assets | $27,647,000 | 6,767 |
| Average earning assets | $25,001,500 | 6,744 |
| Average equity | $1,957,000 | 6,888 |
| Average total loans | $9,634,500 | 6,791 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3299% | 6,560 |
| Cost of funding earning assets | 0.2879% | 6,511 |
| Net interest margin | 3.0419% | 5,947 |
| Noninterest income to average assets | 0.3632% | 4,884 |
| Noninterest expense to average assets | 3.0458% | 3,111 |
| Loan and lease loss provision to assets | 0.4427% | 1,429 |
| Net operating income to assets | -0.3670% | 6,493 |
| Return on assets (ROA) | -0.3670% | 6,538 |
| Pretax return on assets | -0.3670% | 6,512 |
| Return on Equity (ROE) | -4.9449% | 6,590 |
| Retained earnings to average equity (ytd only) | -4.9449% | 6,420 |
| Net charge-offs to loans | 1.0036% | 1,087 |
| Credit loss provision to net charge-offs | 100.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 0.1709% | 5,400 |
| Efficiency ratio | 97.5758% | 643 |
| Assets per employee ($millions) | 2.7345% | 6,384 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8337% | 799 |
| Loan loss allowance to noncurrent loans | 60.5485% | 4,642 |
| Noncurrent assets plus other real estate owned to assets | 3.2108% | 1,448 |
| Noncurrent loans to loans | 4.6801% | 889 |
| Net loans and leases to total assets | 35.9883% | 6,436 |
| Net loans and leases to deposits | 38.7700% | 6,607 |
| Net loans and leases to core deposits | 42.1763% | 6,538 |
| Total domestic deposits to total assets | 92.8250% | 152 |
| Equity capital to assets | 7.1457% | 6,739 |
| Core capital (leverage) ratio | 6.9448% | 6,718 |
| Tier 1 risk-based capital ratio | 14.0405% | 4,356 |
| Total risk-based capital ratio | 15.2999% | 4,310 |
| Memoranda: | ||
| Average total assets | $26,429,600 | 6,832 |
| Average earning assets | $23,965,000 | 6,816 |
| Average equity | $1,961,600 | 6,954 |
| Average total loans | $11,658,000 | 6,789 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4230% | 6,600 |
| Cost of funding earning assets | 0.2984% | 6,626 |
| Net interest margin | 3.1246% | 5,885 |
| Noninterest income to average assets | 0.3715% | 4,860 |
| Noninterest expense to average assets | 3.0991% | 2,897 |
| Loan and lease loss provision to assets | 0.5801% | 985 |
| Net operating income to assets | -0.4834% | 6,693 |
| Return on assets (ROA) | -0.4834% | 6,725 |
| Pretax return on assets | -0.4834% | 6,699 |
| Return on Equity (ROE) | -6.4507% | 6,769 |
| Retained earnings to average equity (ytd only) | -6.4507% | 6,692 |
| Net charge-offs to loans | 1.2956% | 727 |
| Credit loss provision to net charge-offs | 97.4359% | 3,073 |
| Earnings coverage of net charge-offs (x) | 0.1624% | 5,250 |
| Efficiency ratio | 96.9745% | 638 |
| Assets per employee ($millions) | 2.6004% | 6,600 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5280% | 1,180 |
| Loan loss allowance to noncurrent loans | 265.4206% | 1,388 |
| Noncurrent assets plus other real estate owned to assets | 1.9651% | 2,694 |
| Noncurrent loans to loans | 0.9525% | 4,529 |
| Net loans and leases to total assets | 42.1089% | 6,123 |
| Net loans and leases to deposits | 45.5624% | 6,417 |
| Net loans and leases to core deposits | 49.1406% | 6,337 |
| Total domestic deposits to total assets | 92.4204% | 159 |
| Equity capital to assets | 7.5527% | 6,766 |
| Core capital (leverage) ratio | 7.2259% | 6,740 |
| Tier 1 risk-based capital ratio | 13.2477% | 5,062 |
| Total risk-based capital ratio | 14.5046% | 5,018 |
| Memoranda: | ||
| Average total assets | $26,200,750 | 6,922 |
| Average earning assets | $23,682,250 | 6,910 |
| Average equity | $1,963,500 | 7,045 |
| Average total loans | $12,040,500 | 6,868 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4135% | 6,715 |
| Cost of funding earning assets | 0.3111% | 6,685 |
| Net interest margin | 3.1024% | 6,002 |
| Noninterest income to average assets | 0.3731% | 4,851 |
| Noninterest expense to average assets | 3.1143% | 2,880 |
| Loan and lease loss provision to assets | 0.8452% | 580 |
| Net operating income to assets | -0.7767% | 6,849 |
| Return on assets (ROA) | -0.7767% | 6,873 |
| Pretax return on assets | -0.7767% | 6,843 |
| Return on Equity (ROE) | -10.3905% | 6,912 |
| Retained earnings to average equity (ytd only) | -10.3905% | 6,844 |
| Net charge-offs to loans | 0.1300% | 3,889 |
| Credit loss provision to net charge-offs | 1,387.5000% | 239 |
| Earnings coverage of net charge-offs (x) | 1.1250% | 4,454 |
| Efficiency ratio | 97.8469% | 627 |
| Assets per employee ($millions) | 2.5757% | 6,687 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1746% | 664 |
| Loan loss allowance to noncurrent loans | 70.9091% | 4,165 |
| Noncurrent assets plus other real estate owned to assets | 2.4032% | 2,326 |
| Noncurrent loans to loans | 4.4770% | 1,186 |
| Net loans and leases to total assets | 46.1816% | 5,805 |
| Net loans and leases to deposits | 49.9119% | 6,186 |
| Net loans and leases to core deposits | 53.8674% | 6,102 |
| Total domestic deposits to total assets | 92.5263% | 158 |
| Equity capital to assets | 7.4388% | 6,812 |
| Core capital (leverage) ratio | 7.0504% | 6,806 |
| Tier 1 risk-based capital ratio | 12.8604% | 5,287 |
| Total risk-based capital ratio | 14.1265% | 5,247 |
| Memoranda: | ||
| Average total assets | $26,266,330 | 6,978 |
| Average earning assets | $23,788,000 | 6,966 |
| Average equity | $1,963,330 | 7,095 |
| Average total loans | $12,309,330 | 6,912 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2866% | 6,899 |
| Cost of funding earning assets | 0.3170% | 6,786 |
| Net interest margin | 2.9696% | 6,359 |
| Noninterest income to average assets | 0.3771% | 4,843 |
| Noninterest expense to average assets | 3.2880% | 2,323 |
| Loan and lease loss provision to assets | 0.0452% | 4,837 |
| Net operating income to assets | -0.2715% | 6,688 |
| Return on assets (ROA) | -0.2715% | 6,729 |
| Pretax return on assets | -0.2715% | 6,711 |
| Return on Equity (ROE) | -3.6236% | 6,784 |
| Retained earnings to average equity (ytd only) | -3.6236% | 6,458 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.3892% | 381 |
| Assets per employee ($millions) | 2.7453% | 6,579 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2586% | 1,761 |
| Loan loss allowance to noncurrent loans | 52.5362% | 4,921 |
| Noncurrent assets plus other real estate owned to assets | 2.2620% | 2,633 |
| Noncurrent loans to loans | 4.2991% | 1,390 |
| Net loans and leases to total assets | 45.7145% | 5,814 |
| Net loans and leases to deposits | 49.2698% | 6,200 |
| Net loans and leases to core deposits | 52.9045% | 6,132 |
| Total domestic deposits to total assets | 92.7840% | 157 |
| Equity capital to assets | 7.1868% | 6,883 |
| Core capital (leverage) ratio | 7.5556% | 6,595 |
| Tier 1 risk-based capital ratio | 12.5498% | 5,565 |
| Total risk-based capital ratio | 13.8100% | 5,525 |
| Memoranda: | ||
| Average total assets | $26,521,000 | 7,036 |
| Average earning assets | $23,976,500 | 7,021 |
| Average equity | $1,987,000 | 7,149 |
| Average total loans | $12,321,500 | 6,965 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7739% | 6,756 |
| Cost of funding earning assets | 0.4014% | 6,885 |
| Net interest margin | 3.3725% | 5,570 |
| Noninterest income to average assets | 0.3621% | 4,921 |
| Noninterest expense to average assets | 3.8208% | 1,307 |
| Loan and lease loss provision to assets | 0.3967% | 2,612 |
| Net operating income to assets | -1.0399% | 6,754 |
| Return on assets (ROA) | -0.9167% | 6,733 |
| Pretax return on assets | -0.9167% | 6,701 |
| Return on Equity (ROE) | -11.0431% | 6,764 |
| Retained earnings to average equity (ytd only) | -11.0431% | 6,732 |
| Net charge-offs to loans | 0.0523% | 5,794 |
| Credit loss provision to net charge-offs | 1,716.6667% | 130 |
| Earnings coverage of net charge-offs (x) | -27.8333% | 6,418 |
| Efficiency ratio | 120.2424% | 307 |
| Assets per employee ($millions) | 2.5589% | 6,773 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4316% | 1,405 |
| Loan loss allowance to noncurrent loans | 270.7547% | 1,218 |
| Noncurrent assets plus other real estate owned to assets | 0.6839% | 5,274 |
| Noncurrent loans to loans | 0.8981% | 4,889 |
| Net loans and leases to total assets | 45.0037% | 6,112 |
| Net loans and leases to deposits | 48.8401% | 6,440 |
| Net loans and leases to core deposits | 52.7555% | 6,384 |
| Total domestic deposits to total assets | 92.1451% | 220 |
| Equity capital to assets | 7.8198% | 6,676 |
| Core capital (leverage) ratio | 7.5402% | 6,628 |
| Tier 1 risk-based capital ratio | 12.3504% | 5,580 |
| Total risk-based capital ratio | 13.6099% | 5,543 |
| Memoranda: | ||
| Average total assets | $25,963,000 | 7,073 |
| Average earning assets | $21,675,200 | 7,115 |
| Average equity | $2,155,200 | 7,189 |
| Average total loans | $11,477,400 | 7,059 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8226% | 6,818 |
| Cost of funding earning assets | 0.4247% | 6,956 |
| Net interest margin | 3.3979% | 5,582 |
| Noninterest income to average assets | 0.3735% | 4,881 |
| Noninterest expense to average assets | 3.7865% | 1,320 |
| Loan and lease loss provision to assets | 0.0512% | 5,807 |
| Net operating income to assets | -0.6806% | 6,748 |
| Return on assets (ROA) | -0.5168% | 6,693 |
| Pretax return on assets | -0.5168% | 6,631 |
| Return on Equity (ROE) | -6.1383% | 6,727 |
| Retained earnings to average equity (ytd only) | -6.1383% | 6,654 |
| Net charge-offs to loans | 0.0819% | 5,157 |
| Credit loss provision to net charge-offs | 142.8571% | 2,224 |
| Earnings coverage of net charge-offs (x) | -17.5777% | 6,147 |
| Efficiency ratio | 119.9352% | 307 |
| Assets per employee ($millions) | 2.3749% | 7,013 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7786% | 3,017 |
| Loan loss allowance to noncurrent loans | 72.8302% | 3,851 |
| Noncurrent assets plus other real estate owned to assets | 1.2900% | 4,227 |
| Noncurrent loans to loans | 2.4422% | 2,830 |
| Net loans and leases to total assets | 40.7977% | 6,580 |
| Net loans and leases to deposits | 44.4305% | 6,814 |
| Net loans and leases to core deposits | 47.9270% | 6,761 |
| Total domestic deposits to total assets | 91.8236% | 234 |
| Equity capital to assets | 8.1419% | 6,607 |
| Core capital (leverage) ratio | 8.0464% | 6,347 |
| Tier 1 risk-based capital ratio | 13.6830% | 4,588 |
| Total risk-based capital ratio | 14.9357% | 4,555 |
| Memoranda: | ||
| Average total assets | $26,056,500 | 7,141 |
| Average earning assets | $21,346,250 | 7,192 |
| Average equity | $2,193,750 | 7,258 |
| Average total loans | $11,396,000 | 7,131 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8465% | 6,868 |
| Cost of funding earning assets | 0.4536% | 6,997 |
| Net interest margin | 3.3929% | 5,577 |
| Noninterest income to average assets | 0.3534% | 5,062 |
| Noninterest expense to average assets | 3.9794% | 1,080 |
| Loan and lease loss provision to assets | 0.0615% | 5,535 |
| Net operating income to assets | -0.9296% | 6,924 |
| Return on assets (ROA) | -0.9296% | 6,925 |
| Pretax return on assets | -0.9296% | 6,870 |
| Return on Equity (ROE) | -10.9206% | 6,965 |
| Retained earnings to average equity (ytd only) | -10.9206% | 6,912 |
| Net charge-offs to loans | -0.0691% | 7,092 |
| Credit loss provision to net charge-offs | -200.0000% | 6,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 127.9012% | 274 |
| Assets per employee ($millions) | 2.2784% | 7,133 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7797% | 3,062 |
| Loan loss allowance to noncurrent loans | 177.1930% | 1,702 |
| Noncurrent assets plus other real estate owned to assets | 0.7621% | 5,381 |
| Noncurrent loans to loans | 1.0044% | 4,990 |
| Net loans and leases to total assets | 44.4817% | 6,391 |
| Net loans and leases to deposits | 48.7195% | 6,687 |
| Net loans and leases to core deposits | 52.7541% | 6,625 |
| Total domestic deposits to total assets | 91.3016% | 394 |
| Equity capital to assets | 8.6625% | 5,986 |
| Core capital (leverage) ratio | 8.0702% | 6,208 |
| Tier 1 risk-based capital ratio | 13.5920% | 4,457 |
| Total risk-based capital ratio | 14.8418% | 4,443 |
| Memoranda: | ||
| Average total assets | $26,034,000 | 7,211 |
| Average earning assets | $21,162,000 | 7,267 |
| Average equity | $2,216,000 | 7,312 |
| Average total loans | $11,577,670 | 7,188 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2753% | 6,080 |
| Cost of funding earning assets | 0.4985% | 6,974 |
| Net interest margin | 3.7768% | 3,726 |
| Noninterest income to average assets | 0.3469% | 5,132 |
| Noninterest expense to average assets | 4.0875% | 934 |
| Loan and lease loss provision to assets | 0.0754% | 5,056 |
| Net operating income to assets | -0.8446% | 6,980 |
| Return on assets (ROA) | -0.8446% | 6,985 |
| Pretax return on assets | -0.8446% | 6,941 |
| Return on Equity (ROE) | -10.0067% | 7,030 |
| Retained earnings to average equity (ytd only) | -10.0067% | 6,871 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 123.1818% | 315 |
| Assets per employee ($millions) | 2.4395% | 7,064 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7080% | 3,312 |
| Loan loss allowance to noncurrent loans | 168.1034% | 1,742 |
| Noncurrent assets plus other real estate owned to assets | 0.7341% | 5,467 |
| Noncurrent loans to loans | 1.0160% | 5,021 |
| Net loans and leases to total assets | 41.8201% | 6,635 |
| Net loans and leases to deposits | 45.5975% | 6,873 |
| Net loans and leases to core deposits | 49.0880% | 6,827 |
| Total domestic deposits to total assets | 91.7157% | 366 |
| Equity capital to assets | 8.2470% | 6,231 |
| Core capital (leverage) ratio | 8.0130% | 6,241 |
| Tier 1 risk-based capital ratio | 13.3437% | 4,548 |
| Total risk-based capital ratio | 14.5522% | 4,558 |
| Memoranda: | ||
| Average total assets | $26,520,000 | 7,249 |
| Average earning assets | $20,864,000 | 7,326 |
| Average equity | $2,238,500 | 7,360 |
| Average total loans | $11,691,500 | 7,242 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2332% | 6,883 |
| Cost of funding earning assets | 0.5579% | 7,211 |
| Net interest margin | 3.6753% | 4,467 |
| Noninterest income to average assets | 0.3073% | 5,598 |
| Noninterest expense to average assets | 4.1005% | 1,020 |
| Loan and lease loss provision to assets | 0.4666% | 3,336 |
| Net operating income to assets | -1.1114% | 6,748 |
| Return on assets (ROA) | -1.1114% | 6,769 |
| Pretax return on assets | -1.1114% | 6,698 |
| Return on Equity (ROE) | -11.9563% | 6,814 |
| Retained earnings to average equity (ytd only) | -11.9563% | 6,761 |
| Net charge-offs to loans | 1.4202% | 1,565 |
| Credit loss provision to net charge-offs | 64.3979% | 5,999 |
| Earnings coverage of net charge-offs (x) | -0.8901% | 6,577 |
| Efficiency ratio | 118.6608% | 418 |
| Assets per employee ($millions) | 2.3824% | 7,149 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5878% | 3,628 |
| Loan loss allowance to noncurrent loans | 23.9295% | 6,653 |
| Noncurrent assets plus other real estate owned to assets | 3.3351% | 2,116 |
| Noncurrent loans to loans | 6.6355% | 884 |
| Net loans and leases to total assets | 44.9363% | 6,641 |
| Net loans and leases to deposits | 49.2596% | 6,890 |
| Net loans and leases to core deposits | 53.1504% | 6,853 |
| Total domestic deposits to total assets | 91.2234% | 494 |
| Equity capital to assets | 8.6392% | 5,674 |
| Core capital (leverage) ratio | 8.2610% | 5,738 |
| Tier 1 risk-based capital ratio | 13.5655% | 4,155 |
| Total risk-based capital ratio | 14.7323% | 4,191 |
| Memoranda: | ||
| Average total assets | $26,362,600 | 7,309 |
| Average earning assets | $22,583,200 | 7,334 |
| Average equity | $2,450,600 | 7,408 |
| Average total loans | $13,448,600 | 7,233 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5423% | 6,484 |
| Cost of funding earning assets | 0.5692% | 7,349 |
| Net interest margin | 3.9731% | 3,224 |
| Noninterest income to average assets | 0.2879% | 5,814 |
| Noninterest expense to average assets | 4.2017% | 823 |
| Loan and lease loss provision to assets | 0.2273% | 4,800 |
| Net operating income to assets | -0.6868% | 6,724 |
| Return on assets (ROA) | -0.6868% | 6,773 |
| Pretax return on assets | -0.6868% | 6,673 |
| Return on Equity (ROE) | -7.2612% | 6,803 |
| Retained earnings to average equity (ytd only) | -7.2612% | 6,730 |
| Net charge-offs to loans | -0.0096% | 7,267 |
| Credit loss provision to net charge-offs | -4,500.0000% | 7,180 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 112.2807% | 486 |
| Assets per employee ($millions) | 2.3586% | 7,247 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3713% | 1,512 |
| Loan loss allowance to noncurrent loans | 45.1709% | 5,260 |
| Noncurrent assets plus other real estate owned to assets | 2.9408% | 2,466 |
| Noncurrent loans to loans | 5.2496% | 1,293 |
| Net loans and leases to total assets | 48.2405% | 6,500 |
| Net loans and leases to deposits | 53.4141% | 6,807 |
| Net loans and leases to core deposits | 57.7253% | 6,748 |
| Total domestic deposits to total assets | 90.3141% | 716 |
| Equity capital to assets | 9.4585% | 4,910 |
| Core capital (leverage) ratio | 9.0773% | 4,560 |
| Tier 1 risk-based capital ratio | 13.9791% | 3,856 |
| Total risk-based capital ratio | 15.2386% | 3,816 |
| Memoranda: | ||
| Average total assets | $26,401,750 | 7,399 |
| Average earning assets | $22,954,000 | 7,419 |
| Average equity | $2,497,250 | 7,493 |
| Average total loans | $13,819,250 | 7,307 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6096% | 6,430 |
| Cost of funding earning assets | 0.5719% | 7,449 |
| Net interest margin | 4.0377% | 2,844 |
| Noninterest income to average assets | 0.2937% | 5,798 |
| Noninterest expense to average assets | 4.1350% | 877 |
| Loan and lease loss provision to assets | 0.1356% | 5,535 |
| Net operating income to assets | -0.4143% | 6,582 |
| Return on assets (ROA) | -0.4143% | 6,622 |
| Pretax return on assets | -0.4143% | 6,525 |
| Return on Equity (ROE) | -4.3796% | 6,644 |
| Retained earnings to average equity (ytd only) | -4.3796% | 6,483 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.2266% | 602 |
| Assets per employee ($millions) | 2.3558% | 7,291 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9905% | 2,211 |
| Loan loss allowance to noncurrent loans | 41.3793% | 5,575 |
| Noncurrent assets plus other real estate owned to assets | 2.9521% | 2,423 |
| Noncurrent loans to loans | 4.8103% | 1,474 |
| Net loans and leases to total assets | 52.4427% | 6,166 |
| Net loans and leases to deposits | 58.1714% | 6,564 |
| Net loans and leases to core deposits | 62.8817% | 6,484 |
| Total domestic deposits to total assets | 90.1520% | 840 |
| Equity capital to assets | 9.6859% | 4,420 |
| Core capital (leverage) ratio | 9.1686% | 4,348 |
| Tier 1 risk-based capital ratio | 13.8077% | 3,867 |
| Total risk-based capital ratio | 15.0604% | 3,832 |
| Memoranda: | ||
| Average total assets | $26,554,000 | 7,454 |
| Average earning assets | $23,429,330 | 7,454 |
| Average equity | $2,511,670 | 7,546 |
| Average total loans | $14,152,330 | 7,350 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2725% | 7,176 |
| Cost of funding earning assets | 0.6032% | 7,531 |
| Net interest margin | 3.6693% | 4,397 |
| Noninterest income to average assets | 0.3423% | 5,401 |
| Noninterest expense to average assets | 3.9592% | 1,087 |
| Loan and lease loss provision to assets | 0.1340% | 5,220 |
| Net operating income to assets | -0.4912% | 6,823 |
| Return on assets (ROA) | -0.4912% | 6,848 |
| Pretax return on assets | -0.4912% | 6,774 |
| Return on Equity (ROE) | -5.2537% | 6,898 |
| Retained earnings to average equity (ytd only) | -5.2537% | 6,604 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 109.9174% | 600 |
| Assets per employee ($millions) | 2.4677% | 7,239 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9344% | 2,347 |
| Loan loss allowance to noncurrent loans | 41.2674% | 5,600 |
| Noncurrent assets plus other real estate owned to assets | 2.7703% | 2,624 |
| Noncurrent loans to loans | 4.6874% | 1,577 |
| Net loans and leases to total assets | 49.8655% | 6,474 |
| Net loans and leases to deposits | 54.9685% | 6,847 |
| Net loans and leases to core deposits | 59.1738% | 6,803 |
| Total domestic deposits to total assets | 90.7165% | 646 |
| Equity capital to assets | 9.1693% | 5,033 |
| Core capital (leverage) ratio | 9.2004% | 4,225 |
| Tier 1 risk-based capital ratio | 13.7993% | 3,800 |
| Total risk-based capital ratio | 15.0517% | 3,752 |
| Memoranda: | ||
| Average total assets | $26,874,000 | 7,534 |
| Average earning assets | $23,873,500 | 7,536 |
| Average equity | $2,512,500 | 7,625 |
| Average total loans | $14,295,500 | 7,434 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1130% | 6,033 |
| Cost of funding earning assets | 1.0311% | 7,143 |
| Net interest margin | 4.0819% | 2,525 |
| Noninterest income to average assets | 0.3251% | 5,754 |
| Noninterest expense to average assets | 3.8330% | 1,626 |
| Loan and lease loss provision to assets | 0.2457% | 5,420 |
| Net operating income to assets | -0.1172% | 5,702 |
| Return on assets (ROA) | -0.1172% | 5,708 |
| Pretax return on assets | -0.1172% | 5,615 |
| Return on Equity (ROE) | -1.1871% | 5,718 |
| Retained earnings to average equity (ytd only) | -1.1871% | 5,308 |
| Net charge-offs to loans | 0.0743% | 6,368 |
| Credit loss provision to net charge-offs | 541.6667% | 556 |
| Earnings coverage of net charge-offs (x) | 2.8333% | 3,673 |
| Efficiency ratio | 96.7557% | 1,284 |
| Assets per employee ($millions) | 2.4185% | 7,328 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7447% | 2,733 |
| Loan loss allowance to noncurrent loans | 39.2694% | 5,791 |
| Noncurrent assets plus other real estate owned to assets | 2.8869% | 2,428 |
| Noncurrent loans to loans | 4.4428% | 1,605 |
| Net loans and leases to total assets | 54.6179% | 6,130 |
| Net loans and leases to deposits | 60.4812% | 6,600 |
| Net loans and leases to core deposits | 71.8489% | 6,671 |
| Total domestic deposits to total assets | 90.3056% | 833 |
| Equity capital to assets | 9.5328% | 4,378 |
| Core capital (leverage) ratio | 9.5124% | 3,702 |
| Tier 1 risk-based capital ratio | 13.4419% | 3,858 |
| Total risk-based capital ratio | 14.6942% | 3,802 |
| Memoranda: | ||
| Average total assets | $26,454,800 | 7,599 |
| Average earning assets | $23,567,600 | 7,599 |
| Average equity | $2,611,400 | 7,703 |
| Average total loans | $16,147,200 | 7,398 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4550% | 4,659 |
| Cost of funding earning assets | 1.1057% | 7,165 |
| Net interest margin | 4.3493% | 1,589 |
| Noninterest income to average assets | 0.3180% | 5,936 |
| Noninterest expense to average assets | 3.8609% | 1,487 |
| Loan and lease loss provision to assets | 0.2978% | 4,582 |
| Net operating income to assets | 0.0505% | 5,608 |
| Return on assets (ROA) | 0.0505% | 5,638 |
| Pretax return on assets | 0.0505% | 5,612 |
| Return on Equity (ROE) | 0.5068% | 5,639 |
| Retained earnings to average equity (ytd only) | 0.5068% | 4,997 |
| Net charge-offs to loans | -0.0081% | 7,660 |
| Credit loss provision to net charge-offs | -5,900.0000% | 7,419 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.7266% | 1,561 |
| Assets per employee ($millions) | 2.3764% | 7,410 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5843% | 3,056 |
| Loan loss allowance to noncurrent loans | 26.3682% | 6,697 |
| Noncurrent assets plus other real estate owned to assets | 4.2961% | 1,440 |
| Noncurrent loans to loans | 6.0083% | 980 |
| Net loans and leases to total assets | 62.9763% | 5,072 |
| Net loans and leases to deposits | 70.1077% | 5,904 |
| Net loans and leases to core deposits | 85.6103% | 5,903 |
| Total domestic deposits to total assets | 89.8279% | 836 |
| Equity capital to assets | 9.8929% | 4,221 |
| Core capital (leverage) ratio | 9.7470% | 3,576 |
| Tier 1 risk-based capital ratio | 13.2953% | 3,988 |
| Total risk-based capital ratio | 14.5449% | 3,939 |
| Memoranda: | ||
| Average total assets | $26,417,750 | 7,667 |
| Average earning assets | $23,635,250 | 7,667 |
| Average equity | $2,630,250 | 7,775 |
| Average total loans | $16,487,000 | 7,450 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5464% | 4,355 |
| Cost of funding earning assets | 1.1867% | 7,144 |
| Net interest margin | 4.3597% | 1,501 |
| Noninterest income to average assets | 0.3169% | 5,974 |
| Noninterest expense to average assets | 3.7268% | 1,784 |
| Loan and lease loss provision to assets | 0.1509% | 5,562 |
| Net operating income to assets | 0.3470% | 4,688 |
| Return on assets (ROA) | 0.3470% | 4,805 |
| Pretax return on assets | 0.3470% | 5,078 |
| Return on Equity (ROE) | 3.4783% | 4,722 |
| Retained earnings to average equity (ytd only) | 3.4783% | 3,377 |
| Net charge-offs to loans | -0.0122% | 7,630 |
| Credit loss provision to net charge-offs | -2,000.0000% | 7,174 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.2143% | 1,990 |
| Assets per employee ($millions) | 2.3785% | 7,461 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3677% | 3,900 |
| Loan loss allowance to noncurrent loans | 35.9300% | 6,039 |
| Noncurrent assets plus other real estate owned to assets | 2.4041% | 2,695 |
| Noncurrent loans to loans | 3.8066% | 1,799 |
| Net loans and leases to total assets | 62.2917% | 5,307 |
| Net loans and leases to deposits | 69.4744% | 6,049 |
| Net loans and leases to core deposits | 85.4730% | 5,969 |
| Total domestic deposits to total assets | 89.6614% | 975 |
| Equity capital to assets | 10.0749% | 3,842 |
| Core capital (leverage) ratio | 9.6911% | 3,643 |
| Tier 1 risk-based capital ratio | 13.6817% | 3,702 |
| Total risk-based capital ratio | 14.8806% | 3,663 |
| Memoranda: | ||
| Average total assets | $26,510,330 | 7,740 |
| Average earning assets | $23,763,330 | 7,727 |
| Average equity | $2,645,000 | 7,839 |
| Average total loans | $16,407,000 | 7,518 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5590% | 4,591 |
| Cost of funding earning assets | 1.2854% | 7,063 |
| Net interest margin | 4.2736% | 1,665 |
| Noninterest income to average assets | 0.3598% | 5,563 |
| Noninterest expense to average assets | 3.6127% | 1,839 |
| Loan and lease loss provision to assets | 0.1349% | 5,231 |
| Net operating income to assets | 0.4497% | 4,651 |
| Return on assets (ROA) | 0.4497% | 4,822 |
| Pretax return on assets | 0.4497% | 5,245 |
| Return on Equity (ROE) | 4.5292% | 4,694 |
| Retained earnings to average equity (ytd only) | 4.5292% | 3,409 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.0714% | 2,057 |
| Assets per employee ($millions) | 2.5146% | 7,248 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3172% | 3,978 |
| 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 | 57.9625% | 5,943 |
| Net loans and leases to deposits | 64.2296% | 6,542 |
| Net loans and leases to core deposits | 79.3320% | 6,434 |
| Total domestic deposits to total assets | 90.2426% | 698 |
| Equity capital to assets | 9.5586% | 4,595 |
| Core capital (leverage) ratio | 9.6495% | 3,821 |
| Tier 1 risk-based capital ratio | 13.6120% | 3,795 |
| Total risk-based capital ratio | 14.7485% | 3,788 |
| Memoranda: | ||
| Average total assets | $26,683,500 | 7,775 |
| Average earning assets | $23,961,000 | 7,767 |
| Average equity | $2,649,500 | 7,885 |
| Average total loans | $16,348,500 | 7,563 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8085% | 6,397 |
| Cost of funding earning assets | 1.9754% | 6,495 |
| Net interest margin | 3.8331% | 3,878 |
| Noninterest income to average assets | 0.3729% | 5,714 |
| Noninterest expense to average assets | 3.8498% | 1,662 |
| Loan and lease loss provision to assets | 0.7082% | 2,083 |
| Net operating income to assets | -0.7496% | 7,101 |
| Return on assets (ROA) | -0.7082% | 6,974 |
| Pretax return on assets | -0.7082% | 6,818 |
| Return on Equity (ROE) | -6.7631% | 7,023 |
| Retained earnings to average equity (ytd only) | -6.7631% | 6,757 |
| Net charge-offs to loans | 2.2194% | 466 |
| Credit loss provision to net charge-offs | 50.8108% | 6,345 |
| Earnings coverage of net charge-offs (x) | -0.0297% | 6,263 |
| Efficiency ratio | 101.0880% | 940 |
| Assets per employee ($millions) | 2.3369% | 7,508 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2462% | 4,183 |
| Loan loss allowance to noncurrent loans | 1,708.3333% | 332 |
| Noncurrent assets plus other real estate owned to assets | 0.0467% | 7,397 |
| Noncurrent loans to loans | 0.0729% | 7,213 |
| Net loans and leases to total assets | 63.1954% | 5,422 |
| Net loans and leases to deposits | 70.7042% | 6,201 |
| Net loans and leases to core deposits | 89.1114% | 5,879 |
| Total domestic deposits to total assets | 89.3799% | 886 |
| Equity capital to assets | 10.3283% | 3,686 |
| Core capital (leverage) ratio | 9.6009% | 3,876 |
| Tier 1 risk-based capital ratio | 13.6300% | 3,737 |
| Total risk-based capital ratio | 14.7331% | 3,729 |
| Memoranda: | ||
| Average total assets | $26,546,800 | 7,784 |
| Average earning assets | $23,792,600 | 7,790 |
| Average equity | $2,779,800 | 7,904 |
| Average total loans | $16,670,800 | 7,542 |