Home > The Fremont National Bank and Trust Company > Performance and Condition Ratios
The Fremont National Bank and Trust Company, Performance and Condition Ratios
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1893% | 6,140 |
| Cost of funding earning assets | 0.1451% | 6,558 |
| Net interest margin | 3.0442% | 5,461 |
| Noninterest income to average assets | 1.4286% | 684 |
| Noninterest expense to average assets | 3.3323% | 2,047 |
| Loan and lease loss provision to assets | -0.0706% | 6,432 |
| Net operating income to assets | 0.6811% | 3,894 |
| Return on assets (ROA) | 0.7528% | 3,631 |
| Pretax return on assets | 1.1554% | 2,753 |
| Return on Equity (ROE) | 9.9339% | 2,144 |
| Retained earnings to average equity (ytd only) | -11.4201% | 6,559 |
| Net charge-offs to loans | -0.0442% | 6,304 |
| Credit loss provision to net charge-offs | 265.8537% | 856 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3728% | 2,561 |
| Assets per employee ($millions) | 4.3801% | 3,119 |
| Cash dividends to net income (ytd only)* | 214.9613% | 64 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7683% | 6,235 |
| Loan loss allowance to noncurrent loans | 2,466.6667% | 246 |
| Noncurrent assets plus other real estate owned to assets | 0.0189% | 6,355 |
| Noncurrent loans to loans | 0.0311% | 6,161 |
| Net loans and leases to total assets | 60.0837% | 3,701 |
| Net loans and leases to deposits | 66.5060% | 4,243 |
| Net loans and leases to core deposits | 73.5546% | 3,890 |
| Total domestic deposits to total assets | 90.3433% | 904 |
| Equity capital to assets | 7.2066% | 6,399 |
| Core capital (leverage) ratio | 7.4226% | 6,400 |
| Tier 1 risk-based capital ratio | 16.2948% | 2,969 |
| Total risk-based capital ratio | 17.3588% | 3,003 |
| Memoranda: | ||
| Average total assets | $308,977,600 | 2,084 |
| Average earning assets | $292,129,400 | 2,028 |
| Average equity | $23,414,800 | 2,781 |
| Average total loans | $185,691,800 | 2,149 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1915% | 6,211 |
| Cost of funding earning assets | 0.1494% | 6,636 |
| Net interest margin | 3.0421% | 5,484 |
| Noninterest income to average assets | 1.4330% | 719 |
| Noninterest expense to average assets | 3.2364% | 2,242 |
| Loan and lease loss provision to assets | -0.0657% | 6,570 |
| Net operating income to assets | 0.7465% | 3,620 |
| Return on assets (ROA) | 0.8416% | 3,259 |
| Pretax return on assets | 1.2931% | 2,358 |
| Return on Equity (ROE) | 10.9749% | 1,830 |
| Retained earnings to average equity (ytd only) | -11.4114% | 6,664 |
| Net charge-offs to loans | -0.0644% | 6,383 |
| Credit loss provision to net charge-offs | 170.0000% | 1,400 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9602% | 2,911 |
| Assets per employee ($millions) | 3.8893% | 4,054 |
| Cash dividends to net income (ytd only)* | 203.9777% | 67 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7775% | 6,323 |
| Loan loss allowance to noncurrent loans | 398.6523% | 1,081 |
| Noncurrent assets plus other real estate owned to assets | 0.1239% | 6,054 |
| Noncurrent loans to loans | 0.1950% | 5,753 |
| Net loans and leases to total assets | 63.0275% | 3,162 |
| Net loans and leases to deposits | 69.5123% | 3,854 |
| Net loans and leases to core deposits | 78.2031% | 3,335 |
| Total domestic deposits to total assets | 90.6710% | 673 |
| Equity capital to assets | 7.4260% | 6,414 |
| Core capital (leverage) ratio | 7.5217% | 6,440 |
| Tier 1 risk-based capital ratio | 16.1864% | 3,087 |
| Total risk-based capital ratio | 17.2636% | 3,143 |
| Memoranda: | ||
| Average total assets | $310,665,750 | 2,083 |
| Average earning assets | $294,569,250 | 2,017 |
| Average equity | $23,823,500 | 2,775 |
| Average total loans | $186,366,250 | 2,137 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1463% | 6,294 |
| Cost of funding earning assets | 0.1513% | 6,701 |
| Net interest margin | 2.9950% | 5,576 |
| Noninterest income to average assets | 1.4046% | 800 |
| Noninterest expense to average assets | 3.2545% | 2,205 |
| Loan and lease loss provision to assets | -0.0159% | 6,588 |
| Net operating income to assets | 0.6504% | 4,059 |
| Return on assets (ROA) | 0.7914% | 3,501 |
| Pretax return on assets | 1.2163% | 2,600 |
| Return on Equity (ROE) | 10.2170% | 2,122 |
| Retained earnings to average equity (ytd only) | -8.2623% | 6,620 |
| Net charge-offs to loans | 0.0022% | 4,881 |
| Credit loss provision to net charge-offs | -1,250.0000% | 6,060 |
| Earnings coverage of net charge-offs (x) | 773.0000% | 48 |
| Efficiency ratio | 76.7938% | 2,667 |
| Assets per employee ($millions) | 4.0043% | 3,791 |
| Cash dividends to net income (ytd only)* | 180.8682% | 124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7823% | 6,388 |
| Loan loss allowance to noncurrent loans | 2,858.4906% | 215 |
| Noncurrent assets plus other real estate owned to assets | 0.0170% | 6,492 |
| Noncurrent loans to loans | 0.0274% | 6,331 |
| Net loans and leases to total assets | 61.5169% | 3,386 |
| Net loans and leases to deposits | 68.1645% | 3,984 |
| Net loans and leases to core deposits | 76.0201% | 3,538 |
| Total domestic deposits to total assets | 90.2477% | 888 |
| Equity capital to assets | 7.4477% | 6,463 |
| Core capital (leverage) ratio | 7.5599% | 6,431 |
| Tier 1 risk-based capital ratio | 16.6899% | 2,842 |
| Total risk-based capital ratio | 17.7735% | 2,882 |
| Memoranda: | ||
| Average total assets | $314,396,330 | 2,064 |
| Average earning assets | $297,427,000 | 2,000 |
| Average equity | $24,351,670 | 2,733 |
| Average total loans | $185,078,330 | 2,155 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1049% | 6,393 |
| Cost of funding earning assets | 0.1504% | 6,800 |
| Net interest margin | 2.9545% | 5,694 |
| Noninterest income to average assets | 1.4254% | 749 |
| Noninterest expense to average assets | 3.3504% | 1,957 |
| Loan and lease loss provision to assets | -0.0951% | 6,833 |
| Net operating income to assets | 0.6269% | 4,095 |
| Return on assets (ROA) | 0.9080% | 2,761 |
| Pretax return on assets | 1.3924% | 1,883 |
| Return on Equity (ROE) | 11.5036% | 1,556 |
| Retained earnings to average equity (ytd only) | -4.5629% | 6,332 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4826% | 2,401 |
| Assets per employee ($millions) | 4.0194% | 3,905 |
| Cash dividends to net income (ytd only)* | 139.6648% | 396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7766% | 6,494 |
| Loan loss allowance to noncurrent loans | 5,239.2857% | 124 |
| Noncurrent assets plus other real estate owned to assets | 0.0088% | 6,601 |
| Noncurrent loans to loans | 0.0148% | 6,455 |
| Net loans and leases to total assets | 59.0272% | 3,602 |
| Net loans and leases to deposits | 65.4584% | 4,128 |
| Net loans and leases to core deposits | 72.5797% | 3,751 |
| Total domestic deposits to total assets | 90.1751% | 945 |
| Equity capital to assets | 7.7379% | 6,507 |
| Core capital (leverage) ratio | 7.9930% | 6,152 |
| Tier 1 risk-based capital ratio | 17.9223% | 2,400 |
| Total risk-based capital ratio | 19.0187% | 2,422 |
| Memoranda: | ||
| Average total assets | $315,426,000 | 2,078 |
| Average earning assets | $297,847,500 | 2,019 |
| Average equity | $24,896,500 | 2,715 |
| Average total loans | $180,790,000 | 2,201 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3747% | 6,510 |
| Cost of funding earning assets | 0.2485% | 6,679 |
| Net interest margin | 3.1263% | 5,749 |
| Noninterest income to average assets | 1.4456% | 748 |
| Noninterest expense to average assets | 2.9584% | 3,436 |
| Loan and lease loss provision to assets | 0.0006% | 5,902 |
| Net operating income to assets | 0.9499% | 2,547 |
| Return on assets (ROA) | 0.9499% | 2,800 |
| Pretax return on assets | 1.4377% | 1,908 |
| Return on Equity (ROE) | 11.7667% | 1,571 |
| Retained earnings to average equity (ytd only) | 2.9681% | 4,141 |
| Net charge-offs to loans | 0.1001% | 4,665 |
| Credit loss provision to net charge-offs | 1.1236% | 5,475 |
| Earnings coverage of net charge-offs (x) | 25.5955% | 1,130 |
| Efficiency ratio | 67.2866% | 4,270 |
| Assets per employee ($millions) | 3.9661% | 4,019 |
| Cash dividends to net income (ytd only)* | 74.7757% | 1,191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8930% | 6,280 |
| Loan loss allowance to noncurrent loans | 3,953.8462% | 159 |
| Noncurrent assets plus other real estate owned to assets | 0.0124% | 6,653 |
| Noncurrent loans to loans | 0.0226% | 6,472 |
| Net loans and leases to total assets | 54.6218% | 4,527 |
| Net loans and leases to deposits | 61.0180% | 4,910 |
| Net loans and leases to core deposits | 67.6798% | 4,575 |
| Total domestic deposits to total assets | 89.5175% | 1,234 |
| Equity capital to assets | 8.0502% | 6,380 |
| Core capital (leverage) ratio | 8.0478% | 6,146 |
| Tier 1 risk-based capital ratio | 18.4277% | 2,125 |
| Total risk-based capital ratio | 19.5978% | 2,119 |
| Memoranda: | ||
| Average total assets | $316,757,200 | 2,026 |
| Average earning assets | $299,015,200 | 1,978 |
| Average equity | $25,572,200 | 2,605 |
| Average total loans | $177,786,600 | 2,231 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3905% | 6,637 |
| Cost of funding earning assets | 0.2663% | 6,745 |
| Net interest margin | 3.1242% | 5,887 |
| Noninterest income to average assets | 1.4281% | 736 |
| Noninterest expense to average assets | 2.9746% | 3,327 |
| Loan and lease loss provision to assets | 0.0315% | 5,382 |
| Net operating income to assets | 0.9088% | 2,939 |
| Return on assets (ROA) | 0.9088% | 3,170 |
| Pretax return on assets | 1.3719% | 2,336 |
| Return on Equity (ROE) | 11.2496% | 1,870 |
| Retained earnings to average equity (ytd only) | 11.2496% | 644 |
| Net charge-offs to loans | 0.1579% | 3,857 |
| Credit loss provision to net charge-offs | 35.3774% | 4,711 |
| Earnings coverage of net charge-offs (x) | 15.7688% | 1,729 |
| Efficiency ratio | 67.9452% | 4,078 |
| Assets per employee ($millions) | 3.9177% | 4,042 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8683% | 6,464 |
| Loan loss allowance to noncurrent loans | 3,676.7442% | 168 |
| Noncurrent assets plus other real estate owned to assets | 0.0173% | 6,729 |
| Noncurrent loans to loans | 0.0236% | 6,575 |
| Net loans and leases to total assets | 56.8770% | 4,315 |
| Net loans and leases to deposits | 63.5820% | 4,766 |
| Net loans and leases to core deposits | 70.5581% | 4,426 |
| Total domestic deposits to total assets | 89.4546% | 1,155 |
| Equity capital to assets | 8.4870% | 6,269 |
| Core capital (leverage) ratio | 8.3845% | 5,915 |
| Tier 1 risk-based capital ratio | 19.1869% | 1,952 |
| Total risk-based capital ratio | 20.3662% | 1,947 |
| Memoranda: | ||
| Average total assets | $317,616,000 | 2,047 |
| Average earning assets | $299,886,250 | 1,990 |
| Average equity | $25,659,500 | 2,622 |
| Average total loans | $179,062,250 | 2,243 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3772% | 6,741 |
| Cost of funding earning assets | 0.2865% | 6,779 |
| Net interest margin | 3.0907% | 6,035 |
| Noninterest income to average assets | 1.4825% | 663 |
| Noninterest expense to average assets | 2.9864% | 3,309 |
| Loan and lease loss provision to assets | 0.0126% | 5,511 |
| Net operating income to assets | 0.9291% | 2,763 |
| Return on assets (ROA) | 0.9291% | 3,028 |
| Pretax return on assets | 1.3969% | 2,207 |
| Return on Equity (ROE) | 11.6979% | 1,772 |
| Retained earnings to average equity (ytd only) | 11.6979% | 631 |
| Net charge-offs to loans | 0.2179% | 3,269 |
| Credit loss provision to net charge-offs | 10.3093% | 4,734 |
| Earnings coverage of net charge-offs (x) | 11.5412% | 1,952 |
| Efficiency ratio | 67.9364% | 4,133 |
| Assets per employee ($millions) | 3.8224% | 4,261 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8637% | 6,539 |
| Loan loss allowance to noncurrent loans | 930.1205% | 440 |
| Noncurrent assets plus other real estate owned to assets | 0.0642% | 6,655 |
| Noncurrent loans to loans | 0.0929% | 6,430 |
| Net loans and leases to total assets | 55.1940% | 4,599 |
| Net loans and leases to deposits | 62.7274% | 4,911 |
| Net loans and leases to core deposits | 67.2983% | 4,865 |
| Total domestic deposits to total assets | 87.9903% | 2,151 |
| Equity capital to assets | 8.1045% | 6,513 |
| Core capital (leverage) ratio | 8.0108% | 6,264 |
| Tier 1 risk-based capital ratio | 19.6038% | 1,816 |
| Total risk-based capital ratio | 20.8121% | 1,803 |
| Memoranda: | ||
| Average total assets | $317,710,670 | 2,039 |
| Average earning assets | $299,483,000 | 1,982 |
| Average equity | $25,235,330 | 2,641 |
| Average total loans | $178,059,670 | 2,258 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4370% | 6,772 |
| Cost of funding earning assets | 0.3269% | 6,741 |
| Net interest margin | 3.1100% | 6,009 |
| Noninterest income to average assets | 1.4303% | 710 |
| Noninterest expense to average assets | 2.9593% | 3,424 |
| Loan and lease loss provision to assets | -0.2405% | 7,217 |
| Net operating income to assets | 1.0784% | 2,175 |
| Return on assets (ROA) | 1.0784% | 2,359 |
| Pretax return on assets | 1.6252% | 1,490 |
| Return on Equity (ROE) | 13.7187% | 1,247 |
| Retained earnings to average equity (ytd only) | 13.7187% | 597 |
| Net charge-offs to loans | -0.0585% | 6,594 |
| Credit loss provision to net charge-offs | 730.7692% | 483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1235% | 4,146 |
| Assets per employee ($millions) | 3.9992% | 4,012 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8876% | 6,571 |
| Loan loss allowance to noncurrent loans | 271.6783% | 1,237 |
| Noncurrent assets plus other real estate owned to assets | 0.1766% | 6,442 |
| Noncurrent loans to loans | 0.3267% | 6,019 |
| Net loans and leases to total assets | 53.5706% | 4,794 |
| Net loans and leases to deposits | 59.5594% | 5,206 |
| Net loans and leases to core deposits | 63.6891% | 5,153 |
| Total domestic deposits to total assets | 89.9448% | 1,119 |
| Equity capital to assets | 7.7834% | 6,639 |
| Core capital (leverage) ratio | 8.1371% | 6,107 |
| Tier 1 risk-based capital ratio | 19.7060% | 1,779 |
| Total risk-based capital ratio | 20.9574% | 1,754 |
| Memoranda: | ||
| Average total assets | $316,025,000 | 2,056 |
| Average earning assets | $296,076,000 | 2,006 |
| Average equity | $24,842,000 | 2,678 |
| Average total loans | $177,708,500 | 2,269 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0644% | 6,330 |
| Cost of funding earning assets | 0.4852% | 6,595 |
| Net interest margin | 3.5791% | 4,814 |
| Noninterest income to average assets | 1.4411% | 629 |
| Noninterest expense to average assets | 3.0791% | 3,273 |
| Loan and lease loss provision to assets | 0.1726% | 4,471 |
| Net operating income to assets | 1.0533% | 1,993 |
| Return on assets (ROA) | 1.2117% | 1,587 |
| Pretax return on assets | 1.8231% | 769 |
| Return on Equity (ROE) | 14.8085% | 782 |
| Retained earnings to average equity (ytd only) | -1.2354% | 6,048 |
| Net charge-offs to loans | 0.2188% | 4,418 |
| Credit loss provision to net charge-offs | 134.5269% | 2,239 |
| Earnings coverage of net charge-offs (x) | 13.6829% | 1,521 |
| Efficiency ratio | 63.6845% | 5,178 |
| Assets per employee ($millions) | 3.6681% | 4,619 |
| Cash dividends to net income (ytd only)* | 108.3424% | 260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9527% | 6,388 |
| Loan loss allowance to noncurrent loans | 207.4879% | 1,589 |
| Noncurrent assets plus other real estate owned to assets | 0.2687% | 6,296 |
| Noncurrent loans to loans | 0.4592% | 5,792 |
| Net loans and leases to total assets | 57.9689% | 4,376 |
| Net loans and leases to deposits | 64.6569% | 4,913 |
| Net loans and leases to core deposits | 69.7055% | 4,820 |
| Total domestic deposits to total assets | 89.6562% | 1,176 |
| Equity capital to assets | 7.9421% | 6,610 |
| Core capital (leverage) ratio | 7.8614% | 6,390 |
| Tier 1 risk-based capital ratio | 18.3780% | 2,085 |
| Total risk-based capital ratio | 19.6369% | 2,044 |
| Memoranda: | ||
| Average total assets | $304,699,200 | 2,104 |
| Average earning assets | $288,925,200 | 2,033 |
| Average equity | $24,931,600 | 2,591 |
| Average total loans | $178,665,800 | 2,268 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1720% | 6,269 |
| Cost of funding earning assets | 0.5119% | 6,654 |
| Net interest margin | 3.6602% | 4,528 |
| Noninterest income to average assets | 1.5108% | 576 |
| Noninterest expense to average assets | 3.0870% | 3,214 |
| Loan and lease loss provision to assets | 0.1119% | 5,029 |
| Net operating income to assets | 1.1920% | 1,673 |
| Return on assets (ROA) | 1.4038% | 1,223 |
| Pretax return on assets | 2.1186% | 494 |
| Return on Equity (ROE) | 17.0291% | 564 |
| Retained earnings to average equity (ytd only) | -4.2639% | 6,534 |
| Net charge-offs to loans | 0.1982% | 4,210 |
| Credit loss provision to net charge-offs | 96.2264% | 3,567 |
| Earnings coverage of net charge-offs (x) | 16.4228% | 1,400 |
| Efficiency ratio | 61.7810% | 5,445 |
| Assets per employee ($millions) | 3.6934% | 4,554 |
| Cash dividends to net income (ytd only)* | 125.0390% | 166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8967% | 6,606 |
| Loan loss allowance to noncurrent loans | 702.2321% | 496 |
| Noncurrent assets plus other real estate owned to assets | 0.1453% | 6,682 |
| Noncurrent loans to loans | 0.1277% | 6,619 |
| Net loans and leases to total assets | 55.3758% | 4,943 |
| Net loans and leases to deposits | 61.8176% | 5,423 |
| Net loans and leases to core deposits | 66.5472% | 5,359 |
| Total domestic deposits to total assets | 89.5794% | 1,105 |
| Equity capital to assets | 7.9207% | 6,743 |
| Core capital (leverage) ratio | 7.7857% | 6,575 |
| Tier 1 risk-based capital ratio | 18.2596% | 2,167 |
| Total risk-based capital ratio | 19.5001% | 2,139 |
| Memoranda: | ||
| Average total assets | $303,844,750 | 2,119 |
| Average earning assets | $289,379,000 | 2,032 |
| Average equity | $25,046,750 | 2,569 |
| Average total loans | $178,249,750 | 2,284 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3075% | 6,004 |
| Cost of funding earning assets | 0.5255% | 6,761 |
| Net interest margin | 3.7821% | 3,878 |
| Noninterest income to average assets | 1.5615% | 526 |
| Noninterest expense to average assets | 3.1237% | 3,166 |
| Loan and lease loss provision to assets | 0.0699% | 5,432 |
| Net operating income to assets | 1.3102% | 1,287 |
| Return on assets (ROA) | 1.5628% | 838 |
| Pretax return on assets | 2.3629% | 306 |
| Return on Equity (ROE) | 18.7039% | 406 |
| Retained earnings to average equity (ytd only) | -13.1597% | 6,980 |
| Net charge-offs to loans | 0.1373% | 4,373 |
| Credit loss provision to net charge-offs | 85.3659% | 3,610 |
| Earnings coverage of net charge-offs (x) | 25.0407% | 1,048 |
| Efficiency ratio | 60.3757% | 5,817 |
| Assets per employee ($millions) | 3.5541% | 4,800 |
| Cash dividends to net income (ytd only)* | 170.3578% | 126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8995% | 6,663 |
| Loan loss allowance to noncurrent loans | 692.4779% | 507 |
| Noncurrent assets plus other real estate owned to assets | 0.3828% | 6,172 |
| Noncurrent loans to loans | 0.1299% | 6,654 |
| Net loans and leases to total assets | 56.4100% | 4,922 |
| Net loans and leases to deposits | 62.6654% | 5,430 |
| Net loans and leases to core deposits | 66.5758% | 5,437 |
| Total domestic deposits to total assets | 90.0178% | 969 |
| Equity capital to assets | 7.8340% | 6,782 |
| Core capital (leverage) ratio | 7.3518% | 6,842 |
| Tier 1 risk-based capital ratio | 17.8112% | 2,234 |
| Total risk-based capital ratio | 19.0588% | 2,190 |
| Memoranda: | ||
| Average total assets | $300,481,330 | 2,145 |
| Average earning assets | $286,986,000 | 2,061 |
| Average equity | $25,107,000 | 2,549 |
| Average total loans | $179,194,000 | 2,299 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4140% | 5,643 |
| Cost of funding earning assets | 0.5245% | 6,884 |
| Net interest margin | 3.8895% | 3,195 |
| Noninterest income to average assets | 1.6986% | 477 |
| Noninterest expense to average assets | 3.3623% | 2,379 |
| Loan and lease loss provision to assets | 0.1208% | 4,501 |
| Net operating income to assets | 1.2796% | 1,324 |
| Return on assets (ROA) | 1.2796% | 1,371 |
| Pretax return on assets | 1.9295% | 636 |
| Return on Equity (ROE) | 14.8396% | 847 |
| Retained earnings to average equity (ytd only) | 14.8396% | 406 |
| Net charge-offs to loans | -0.0242% | 6,634 |
| Credit loss provision to net charge-offs | -818.1818% | 6,073 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1186% | 5,661 |
| Assets per employee ($millions) | 3.5961% | 4,761 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9804% | 6,462 |
| Loan loss allowance to noncurrent loans | 93.7639% | 3,050 |
| Noncurrent assets plus other real estate owned to assets | 0.5946% | 5,780 |
| Noncurrent loans to loans | 1.0456% | 4,964 |
| Net loans and leases to total assets | 56.3053% | 4,947 |
| Net loans and leases to deposits | 63.4754% | 5,327 |
| Net loans and leases to core deposits | 67.5616% | 5,346 |
| Total domestic deposits to total assets | 88.7041% | 1,955 |
| Equity capital to assets | 8.6244% | 5,746 |
| Core capital (leverage) ratio | 8.5851% | 5,289 |
| Tier 1 risk-based capital ratio | 18.9251% | 1,820 |
| Total risk-based capital ratio | 20.1816% | 1,780 |
| Memoranda: | ||
| Average total assets | $297,894,500 | 2,175 |
| Average earning assets | $284,458,500 | 2,084 |
| Average equity | $25,688,000 | 2,477 |
| Average total loans | $181,798,500 | 2,294 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7343% | 5,674 |
| Cost of funding earning assets | 0.6493% | 7,006 |
| Net interest margin | 4.0850% | 2,640 |
| Noninterest income to average assets | 1.7812% | 477 |
| Noninterest expense to average assets | 3.2277% | 2,987 |
| Loan and lease loss provision to assets | 0.1427% | 5,756 |
| Net operating income to assets | 1.4964% | 768 |
| Return on assets (ROA) | 1.5328% | 775 |
| Pretax return on assets | 2.3387% | 240 |
| Return on Equity (ROE) | 17.8589% | 385 |
| Retained earnings to average equity (ytd only) | 17.8589% | 75 |
| Net charge-offs to loans | 0.1877% | 5,177 |
| Credit loss provision to net charge-offs | 109.7257% | 4,019 |
| Earnings coverage of net charge-offs (x) | 18.6559% | 1,099 |
| Efficiency ratio | 57.0871% | 6,449 |
| Assets per employee ($millions) | 3.2276% | 5,602 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8252% | 6,920 |
| Loan loss allowance to noncurrent loans | 277.7193% | 1,102 |
| Noncurrent assets plus other real estate owned to assets | 0.1941% | 6,738 |
| Noncurrent loans to loans | 0.2971% | 6,462 |
| Net loans and leases to total assets | 64.7724% | 3,715 |
| Net loans and leases to deposits | 73.4913% | 4,278 |
| Net loans and leases to core deposits | 78.9784% | 4,345 |
| Total domestic deposits to total assets | 88.1362% | 2,165 |
| Equity capital to assets | 8.6219% | 5,693 |
| Core capital (leverage) ratio | 8.1885% | 5,842 |
| Tier 1 risk-based capital ratio | 17.7874% | 2,068 |
| Total risk-based capital ratio | 18.9597% | 2,058 |
| Memoranda: | ||
| Average total assets | $308,331,400 | 2,101 |
| Average earning assets | $292,310,600 | 2,030 |
| Average equity | $26,463,000 | 2,421 |
| Average total loans | $213,672,800 | 2,029 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7647% | 5,807 |
| Cost of funding earning assets | 0.6715% | 7,129 |
| Net interest margin | 4.0933% | 2,654 |
| Noninterest income to average assets | 1.6530% | 512 |
| Noninterest expense to average assets | 3.1578% | 3,078 |
| Loan and lease loss provision to assets | 0.1432% | 5,602 |
| Net operating income to assets | 1.4683% | 982 |
| Return on assets (ROA) | 1.5163% | 971 |
| Pretax return on assets | 2.2988% | 341 |
| Return on Equity (ROE) | 17.6858% | 501 |
| Retained earnings to average equity (ytd only) | 17.6858% | 113 |
| Net charge-offs to loans | 0.1898% | 4,813 |
| Credit loss provision to net charge-offs | 107.3718% | 3,973 |
| Earnings coverage of net charge-offs (x) | 17.7692% | 1,305 |
| Efficiency ratio | 57.1329% | 6,398 |
| Assets per employee ($millions) | 3.2767% | 5,525 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7687% | 7,064 |
| Loan loss allowance to noncurrent loans | 280.3220% | 1,046 |
| Noncurrent assets plus other real estate owned to assets | 0.2107% | 6,839 |
| Noncurrent loans to loans | 0.2742% | 6,638 |
| Net loans and leases to total assets | 66.3768% | 3,601 |
| Net loans and leases to deposits | 74.7406% | 4,392 |
| Net loans and leases to core deposits | 80.2549% | 4,480 |
| Total domestic deposits to total assets | 88.8095% | 1,503 |
| Equity capital to assets | 8.0339% | 6,771 |
| Core capital (leverage) ratio | 7.6133% | 6,752 |
| Tier 1 risk-based capital ratio | 16.5894% | 2,519 |
| Total risk-based capital ratio | 17.7247% | 2,521 |
| Memoranda: | ||
| Average total assets | $311,985,250 | 2,113 |
| Average earning assets | $295,274,000 | 2,038 |
| Average equity | $26,747,750 | 2,435 |
| Average total loans | $219,133,500 | 2,006 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7733% | 5,883 |
| Cost of funding earning assets | 0.6951% | 7,205 |
| Net interest margin | 4.0782% | 2,668 |
| Noninterest income to average assets | 1.6399% | 476 |
| Noninterest expense to average assets | 3.1145% | 3,247 |
| Loan and lease loss provision to assets | 0.1749% | 5,115 |
| Net operating income to assets | 1.4496% | 991 |
| Return on assets (ROA) | 1.5210% | 936 |
| Pretax return on assets | 2.3104% | 331 |
| Return on Equity (ROE) | 17.3872% | 529 |
| Retained earnings to average equity (ytd only) | 17.3872% | 142 |
| Net charge-offs to loans | 0.2381% | 4,174 |
| Credit loss provision to net charge-offs | 102.9963% | 3,955 |
| Earnings coverage of net charge-offs (x) | 13.9963% | 1,559 |
| Efficiency ratio | 56.7126% | 6,544 |
| Assets per employee ($millions) | 3.1847% | 5,715 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7229% | 7,201 |
| Loan loss allowance to noncurrent loans | 149.0874% | 1,872 |
| Noncurrent assets plus other real estate owned to assets | 0.3532% | 6,546 |
| Noncurrent loans to loans | 0.4849% | 6,281 |
| Net loans and leases to total assets | 68.9925% | 3,133 |
| Net loans and leases to deposits | 80.3403% | 3,545 |
| Net loans and leases to core deposits | 86.9395% | 3,709 |
| Total domestic deposits to total assets | 85.8753% | 3,161 |
| Equity capital to assets | 10.1832% | 3,794 |
| Core capital (leverage) ratio | 9.6778% | 3,569 |
| Tier 1 risk-based capital ratio | 21.8680% | 1,223 |
| Total risk-based capital ratio | 22.9937% | 1,213 |
| Memoranda: | ||
| Average total assets | $314,402,670 | 2,118 |
| Average earning assets | $296,943,000 | 2,046 |
| Average equity | $27,503,000 | 2,374 |
| Average total loans | $224,231,670 | 1,989 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7205% | 6,176 |
| Cost of funding earning assets | 0.7305% | 7,270 |
| Net interest margin | 3.9900% | 2,915 |
| Noninterest income to average assets | 1.5980% | 484 |
| Noninterest expense to average assets | 3.0812% | 3,345 |
| Loan and lease loss provision to assets | 0.1261% | 5,314 |
| Net operating income to assets | 1.4048% | 1,063 |
| Return on assets (ROA) | 1.5463% | 884 |
| Pretax return on assets | 2.3598% | 318 |
| Return on Equity (ROE) | 19.2118% | 424 |
| Retained earnings to average equity (ytd only) | 19.2118% | 205 |
| Net charge-offs to loans | 0.2201% | 3,610 |
| Credit loss provision to net charge-offs | 79.3651% | 3,893 |
| Earnings coverage of net charge-offs (x) | 14.2937% | 1,443 |
| Efficiency ratio | 57.5636% | 6,552 |
| Assets per employee ($millions) | 3.4181% | 5,235 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6818% | 7,371 |
| Loan loss allowance to noncurrent loans | 184.6715% | 1,518 |
| Noncurrent assets plus other real estate owned to assets | 0.2602% | 6,819 |
| Noncurrent loans to loans | 0.3692% | 6,558 |
| Net loans and leases to total assets | 68.8191% | 3,196 |
| Net loans and leases to deposits | 79.2945% | 3,783 |
| Net loans and leases to core deposits | 84.8016% | 4,090 |
| Total domestic deposits to total assets | 86.7893% | 2,739 |
| Equity capital to assets | 9.2668% | 4,885 |
| Core capital (leverage) ratio | 9.4706% | 3,814 |
| Tier 1 risk-based capital ratio | 21.0125% | 1,338 |
| Total risk-based capital ratio | 22.1129% | 1,333 |
| Memoranda: | ||
| Average total assets | $317,148,000 | 2,145 |
| Average earning assets | $298,445,500 | 2,087 |
| Average equity | $25,526,000 | 2,561 |
| Average total loans | $229,008,500 | 2,002 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.3173% | 45 |
| Cost of funding earning assets | 1.3834% | 6,003 |
| Net interest margin | 7.9339% | 34 |
| Noninterest income to average assets | 1.3346% | 841 |
| Noninterest expense to average assets | 3.3217% | 2,944 |
| Loan and lease loss provision to assets | 6.0373% | 110 |
| Net operating income to assets | -0.5006% | 6,180 |
| Return on assets (ROA) | -0.5006% | 6,175 |
| Pretax return on assets | -0.8259% | 6,285 |
| Return on Equity (ROE) | -7.5242% | 6,428 |
| Retained earnings to average equity (ytd only) | -7.5242% | 6,291 |
| Net charge-offs to loans | 5.2161% | 232 |
| Credit loss provision to net charge-offs | 149.8909% | 3,104 |
| Earnings coverage of net charge-offs (x) | 1.2939% | 4,832 |
| Efficiency ratio | 38.9270% | 7,877 |
| Assets per employee ($millions) | 3.2604% | 5,588 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.5233% | 126 |
| Loan loss allowance to noncurrent loans | 210.3722% | 1,419 |
| Noncurrent assets plus other real estate owned to assets | 2.0390% | 3,348 |
| Noncurrent loans to loans | 2.6255% | 2,932 |
| Net loans and leases to total assets | 71.0496% | 2,985 |
| Net loans and leases to deposits | 79.9519% | 4,005 |
| Net loans and leases to core deposits | 90.9821% | 5,014 |
| Total domestic deposits to total assets | 88.8654% | 1,536 |
| Equity capital to assets | 6.7981% | 7,468 |
| Core capital (leverage) ratio | 6.6072% | 7,444 |
| Tier 1 risk-based capital ratio | 9.7172% | 7,086 |
| Total risk-based capital ratio | 11.0273% | 7,028 |
| Memoranda: | ||
| Average total assets | $329,834,600 | 2,053 |
| Average earning assets | $299,259,800 | 2,077 |
| Average equity | $21,942,600 | 2,950 |
| Average total loans | $254,694,400 | 1,866 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.0131% | 49 |
| Cost of funding earning assets | 1.5037% | 5,806 |
| Net interest margin | 7.5095% | 39 |
| Noninterest income to average assets | 1.4676% | 689 |
| Noninterest expense to average assets | 3.1823% | 3,359 |
| Loan and lease loss provision to assets | 5.1473% | 160 |
| Net operating income to assets | -0.0235% | 5,746 |
| Return on assets (ROA) | -0.0235% | 5,809 |
| Pretax return on assets | -0.0806% | 5,817 |
| Return on Equity (ROE) | -0.3558% | 5,839 |
| Retained earnings to average equity (ytd only) | -0.3558% | 5,307 |
| Net charge-offs to loans | 4.6191% | 268 |
| Credit loss provision to net charge-offs | 143.4323% | 3,413 |
| Earnings coverage of net charge-offs (x) | 1.4119% | 4,723 |
| Efficiency ratio | 38.5784% | 7,947 |
| Assets per employee ($millions) | 3.2543% | 5,511 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2726% | 245 |
| Loan loss allowance to noncurrent loans | 144.2526% | 1,963 |
| Noncurrent assets plus other real estate owned to assets | 2.2627% | 3,027 |
| Noncurrent loans to loans | 2.9619% | 2,556 |
| Net loans and leases to total assets | 71.4752% | 3,161 |
| Net loans and leases to deposits | 80.2130% | 4,347 |
| Net loans and leases to core deposits | 90.0403% | 5,428 |
| Total domestic deposits to total assets | 89.1067% | 1,154 |
| Equity capital to assets | 6.9626% | 7,610 |
| Core capital (leverage) ratio | 6.8196% | 7,533 |
| Tier 1 risk-based capital ratio | 10.1540% | 6,826 |
| Total risk-based capital ratio | 11.4465% | 6,722 |
| Memoranda: | ||
| Average total assets | $334,044,000 | 2,051 |
| Average earning assets | $301,656,750 | 2,077 |
| Average equity | $22,108,750 | 2,963 |
| Average total loans | $259,522,000 | 1,863 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.6268% | 57 |
| Cost of funding earning assets | 1.6131% | 5,692 |
| Net interest margin | 7.0136% | 54 |
| Noninterest income to average assets | 1.4438% | 715 |
| Noninterest expense to average assets | 3.2219% | 3,265 |
| Loan and lease loss provision to assets | 4.7580% | 230 |
| Net operating income to assets | -0.1491% | 6,102 |
| Return on assets (ROA) | -0.1491% | 6,125 |
| Pretax return on assets | -0.2716% | 6,207 |
| Return on Equity (ROE) | -2.2908% | 6,264 |
| Retained earnings to average equity (ytd only) | -2.2908% | 5,808 |
| Net charge-offs to loans | 4.1611% | 329 |
| Credit loss provision to net charge-offs | 145.3806% | 3,183 |
| Earnings coverage of net charge-offs (x) | 1.3708% | 4,502 |
| Efficiency ratio | 41.7978% | 7,980 |
| Assets per employee ($millions) | 3.3692% | 5,140 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5032% | 379 |
| Loan loss allowance to noncurrent loans | 172.3850% | 1,735 |
| Noncurrent assets plus other real estate owned to assets | 1.5787% | 3,852 |
| Noncurrent loans to loans | 2.0322% | 3,472 |
| Net loans and leases to total assets | 72.6247% | 3,062 |
| Net loans and leases to deposits | 81.2472% | 4,350 |
| Net loans and leases to core deposits | 93.0761% | 5,230 |
| Total domestic deposits to total assets | 89.3873% | 1,087 |
| Equity capital to assets | 6.5963% | 7,789 |
| Core capital (leverage) ratio | 6.4869% | 7,800 |
| Tier 1 risk-based capital ratio | 9.7762% | 7,158 |
| Total risk-based capital ratio | 11.0594% | 7,071 |
| Memoranda: | ||
| Average total assets | $337,999,000 | 2,050 |
| Average earning assets | $301,897,670 | 2,102 |
| Average equity | $22,001,000 | 2,970 |
| Average total loans | $265,844,000 | 1,853 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.0126% | 90 |
| Cost of funding earning assets | 1.6731% | 5,729 |
| Net interest margin | 6.3395% | 79 |
| Noninterest income to average assets | 1.2702% | 886 |
| Noninterest expense to average assets | 3.1228% | 3,291 |
| Loan and lease loss provision to assets | 4.1319% | 227 |
| Net operating income to assets | -0.1134% | 6,433 |
| Return on assets (ROA) | -0.1134% | 6,543 |
| Pretax return on assets | -0.2139% | 6,587 |
| Return on Equity (ROE) | -1.7543% | 6,634 |
| Retained earnings to average equity (ytd only) | -1.7543% | 6,050 |
| Net charge-offs to loans | 3.2590% | 383 |
| Credit loss provision to net charge-offs | 157.8069% | 2,677 |
| Earnings coverage of net charge-offs (x) | 1.4964% | 3,985 |
| Efficiency ratio | 44.3531% | 7,912 |
| Assets per employee ($millions) | 3.2760% | 5,382 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7919% | 585 |
| Loan loss allowance to noncurrent loans | 123.4080% | 2,543 |
| Noncurrent assets plus other real estate owned to assets | 1.8964% | 3,066 |
| Noncurrent loans to loans | 2.2623% | 2,910 |
| Net loans and leases to total assets | 78.9908% | 1,584 |
| Net loans and leases to deposits | 88.4816% | 3,203 |
| Net loans and leases to core deposits | 101.0425% | 4,435 |
| Total domestic deposits to total assets | 89.2737% | 1,109 |
| Equity capital to assets | 6.6243% | 7,833 |
| Core capital (leverage) ratio | 6.5892% | 7,843 |
| Tier 1 risk-based capital ratio | 9.2852% | 7,601 |
| Total risk-based capital ratio | 10.5594% | 7,558 |
| Memoranda: | ||
| Average total assets | $338,540,000 | 2,055 |
| Average earning assets | $308,164,500 | 2,071 |
| Average equity | $21,889,500 | 2,991 |
| Average total loans | $271,982,000 | 1,822 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6217% | 327 |
| Cost of funding earning assets | 2.4337% | 4,554 |
| Net interest margin | 5.1879% | 348 |
| Noninterest income to average assets | 1.4801% | 643 |
| Noninterest expense to average assets | 3.0865% | 3,755 |
| Loan and lease loss provision to assets | 2.8891% | 324 |
| Net operating income to assets | 0.2570% | 5,686 |
| Return on assets (ROA) | 0.2570% | 5,501 |
| Pretax return on assets | 0.3588% | 5,362 |
| Return on Equity (ROE) | 3.6794% | 4,958 |
| Retained earnings to average equity (ytd only) | -8.0451% | 6,890 |
| Net charge-offs to loans | 2.3802% | 426 |
| Credit loss provision to net charge-offs | 152.6349% | 3,430 |
| Earnings coverage of net charge-offs (x) | 1.7159% | 5,220 |
| Efficiency ratio | 48.7261% | 7,754 |
| Assets per employee ($millions) | 3.1450% | 5,633 |
| Cash dividends to net income (ytd only)* | 318.6559% | 177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3623% | 789 |
| Loan loss allowance to noncurrent loans | 146.0692% | 2,515 |
| Noncurrent assets plus other real estate owned to assets | 1.2963% | 3,632 |
| Noncurrent loans to loans | 1.6173% | 3,345 |
| Net loans and leases to total assets | 77.5496% | 2,249 |
| Net loans and leases to deposits | 86.2745% | 4,075 |
| Net loans and leases to core deposits | 96.9655% | 5,154 |
| Total domestic deposits to total assets | 89.8871% | 697 |
| Equity capital to assets | 6.3084% | 7,993 |
| Core capital (leverage) ratio | 6.3219% | 7,984 |
| Tier 1 risk-based capital ratio | 8.9475% | 7,817 |
| Total risk-based capital ratio | 10.2152% | 7,813 |
| Memoranda: | ||
| Average total assets | $335,850,200 | 1,989 |
| Average earning assets | $314,248,400 | 1,939 |
| Average equity | $23,455,200 | 2,793 |
| Average total loans | $267,083,600 | 1,788 |