Home > The Village Bank > Performance and Condition Ratios
The Village 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 | 5.0576% | 817 |
| Cost of funding earning assets | 0.5635% | 2,989 |
| Net interest margin | 4.4941% | 747 |
| Noninterest income to average assets | 0.0017% | 6,643 |
| Noninterest expense to average assets | 3.2128% | 2,378 |
| Loan and lease loss provision to assets | 0.0116% | 4,894 |
| Net operating income to assets | 0.1296% | 5,978 |
| Return on assets (ROA) | 0.1296% | 6,042 |
| Pretax return on assets | 0.1952% | 5,945 |
| Return on Equity (ROE) | 1.2156% | 6,043 |
| Retained earnings to average equity (ytd only) | 1.2156% | 5,283 |
| Net charge-offs to loans | 0.8954% | 681 |
| Credit loss provision to net charge-offs | 2.2472% | 4,680 |
| Earnings coverage of net charge-offs (x) | 0.3997% | 4,946 |
| Efficiency ratio | 93.9519% | 754 |
| Assets per employee ($millions) | 4.4488% | 2,993 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1481% | 396 |
| Loan loss allowance to noncurrent loans | 117.2071% | 3,214 |
| Noncurrent assets plus other real estate owned to assets | 6.7843% | 252 |
| Noncurrent loans to loans | 2.6860% | 1,366 |
| Net loans and leases to total assets | 55.3469% | 4,410 |
| Net loans and leases to deposits | 66.8127% | 4,202 |
| Net loans and leases to core deposits | 66.9762% | 4,616 |
| Total domestic deposits to total assets | 82.8390% | 4,595 |
| Equity capital to assets | 10.3864% | 3,302 |
| Core capital (leverage) ratio | 5.7509% | 6,669 |
| Tier 1 risk-based capital ratio | 8.0121% | 6,696 |
| Total risk-based capital ratio | 9.2790% | 6,697 |
| Memoranda: | ||
| Average total assets | $120,395,000 | 4,269 |
| Average earning assets | $91,564,400 | 4,728 |
| Average equity | $12,833,000 | 4,295 |
| Average total loans | $69,577,000 | 4,283 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1170% | 753 |
| Cost of funding earning assets | 0.5876% | 2,924 |
| Net interest margin | 4.5293% | 699 |
| Noninterest income to average assets | -0.0894% | 6,805 |
| Noninterest expense to average assets | 3.2698% | 2,150 |
| Loan and lease loss provision to assets | 0.0156% | 4,702 |
| Net operating income to assets | 0.0391% | 6,235 |
| Return on assets (ROA) | 0.0391% | 6,292 |
| Pretax return on assets | 0.0436% | 6,268 |
| Return on Equity (ROE) | 0.3644% | 6,291 |
| Retained earnings to average equity (ytd only) | 0.3644% | 5,819 |
| Net charge-offs to loans | 0.9984% | 568 |
| Credit loss provision to net charge-offs | 2.7027% | 4,307 |
| Earnings coverage of net charge-offs (x) | 0.1023% | 4,827 |
| Efficiency ratio | 98.2215% | 521 |
| Assets per employee ($millions) | 4.3906% | 3,067 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1851% | 460 |
| Loan loss allowance to noncurrent loans | 109.6262% | 3,238 |
| Noncurrent assets plus other real estate owned to assets | 7.2110% | 272 |
| Noncurrent loans to loans | 2.9054% | 1,411 |
| Net loans and leases to total assets | 58.0040% | 4,009 |
| Net loans and leases to deposits | 69.1414% | 3,915 |
| Net loans and leases to core deposits | 69.8498% | 4,338 |
| Total domestic deposits to total assets | 83.8919% | 4,239 |
| Equity capital to assets | 10.4061% | 3,385 |
| Core capital (leverage) ratio | 5.7633% | 6,740 |
| Tier 1 risk-based capital ratio | 7.5486% | 6,779 |
| Total risk-based capital ratio | 8.8166% | 6,779 |
| Memoranda: | ||
| Average total assets | $119,352,000 | 4,329 |
| Average earning assets | $90,077,250 | 4,809 |
| Average equity | $12,806,750 | 4,346 |
| Average total loans | $69,175,000 | 4,329 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0917% | 782 |
| Cost of funding earning assets | 0.6030% | 2,906 |
| Net interest margin | 4.4887% | 721 |
| Noninterest income to average assets | 0.2590% | 5,603 |
| Noninterest expense to average assets | 3.3075% | 2,050 |
| Loan and lease loss provision to assets | 0.0237% | 4,440 |
| Net operating income to assets | 0.1947% | 5,912 |
| Return on assets (ROA) | 0.1947% | 6,034 |
| Pretax return on assets | 0.2793% | 5,926 |
| Return on Equity (ROE) | 1.7953% | 6,015 |
| Retained earnings to average equity (ytd only) | 1.7953% | 5,115 |
| Net charge-offs to loans | 0.3398% | 1,823 |
| Credit loss provision to net charge-offs | 12.1739% | 3,867 |
| Earnings coverage of net charge-offs (x) | 1.5565% | 4,012 |
| Efficiency ratio | 91.6081% | 922 |
| Assets per employee ($millions) | 3.9255% | 3,968 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0894% | 236 |
| Loan loss allowance to noncurrent loans | 108.1432% | 3,260 |
| Noncurrent assets plus other real estate owned to assets | 8.1543% | 242 |
| Noncurrent loans to loans | 3.7815% | 1,077 |
| Net loans and leases to total assets | 54.7467% | 4,485 |
| Net loans and leases to deposits | 65.6635% | 4,304 |
| Net loans and leases to core deposits | 66.5404% | 4,637 |
| Total domestic deposits to total assets | 83.3747% | 4,559 |
| Equity capital to assets | 10.8588% | 2,886 |
| Core capital (leverage) ratio | 5.9530% | 6,757 |
| Tier 1 risk-based capital ratio | 8.1875% | 6,797 |
| Total risk-based capital ratio | 9.4639% | 6,800 |
| Memoranda: | ||
| Average total assets | $118,156,670 | 4,387 |
| Average earning assets | $88,222,000 | 4,894 |
| Average equity | $12,811,330 | 4,372 |
| Average total loans | $67,681,670 | 4,388 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1748% | 634 |
| Cost of funding earning assets | 0.6223% | 2,904 |
| Net interest margin | 4.5526% | 618 |
| Noninterest income to average assets | 0.2974% | 5,327 |
| Noninterest expense to average assets | 3.3797% | 1,877 |
| Loan and lease loss provision to assets | 0.0473% | 3,827 |
| Net operating income to assets | 0.1622% | 6,000 |
| Return on assets (ROA) | 0.1622% | 6,103 |
| Pretax return on assets | 0.2332% | 6,011 |
| Return on Equity (ROE) | 1.4973% | 6,089 |
| Retained earnings to average equity (ytd only) | 1.4973% | 5,238 |
| Net charge-offs to loans | 0.8953% | 677 |
| Credit loss provision to net charge-offs | 9.2105% | 3,151 |
| Earnings coverage of net charge-offs (x) | 0.5461% | 3,638 |
| Efficiency ratio | 92.3361% | 955 |
| Assets per employee ($millions) | 3.8598% | 4,232 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0160% | 284 |
| Loan loss allowance to noncurrent loans | 125.8469% | 2,763 |
| Noncurrent assets plus other real estate owned to assets | 8.6575% | 270 |
| Noncurrent loans to loans | 3.1912% | 1,541 |
| Net loans and leases to total assets | 54.1712% | 4,383 |
| Net loans and leases to deposits | 65.6458% | 4,102 |
| Net loans and leases to core deposits | 66.3867% | 4,484 |
| Total domestic deposits to total assets | 82.5204% | 5,021 |
| Equity capital to assets | 10.7368% | 3,277 |
| Core capital (leverage) ratio | 6.0495% | 6,800 |
| Tier 1 risk-based capital ratio | 8.1274% | 6,857 |
| Total risk-based capital ratio | 9.4031% | 6,856 |
| Memoranda: | ||
| Average total assets | $118,352,000 | 4,432 |
| Average earning assets | $87,423,000 | 4,948 |
| Average equity | $12,823,000 | 4,414 |
| Average total loans | $67,911,500 | 4,424 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4739% | 657 |
| Cost of funding earning assets | 0.6860% | 3,603 |
| Net interest margin | 4.7878% | 552 |
| Noninterest income to average assets | 2.4283% | 329 |
| Noninterest expense to average assets | 3.3725% | 2,123 |
| Loan and lease loss provision to assets | 0.1312% | 3,979 |
| Net operating income to assets | 1.5830% | 777 |
| Return on assets (ROA) | 1.6018% | 839 |
| Pretax return on assets | 2.5125% | 250 |
| Return on Equity (ROE) | 18.6638% | 386 |
| Retained earnings to average equity (ytd only) | 18.6638% | 74 |
| Net charge-offs to loans | 2.6939% | 216 |
| Credit loss provision to net charge-offs | 8.1093% | 5,415 |
| Earnings coverage of net charge-offs (x) | 1.6157% | 4,639 |
| Efficiency ratio | 56.3311% | 6,027 |
| Assets per employee ($millions) | 4.0362% | 3,877 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1732% | 257 |
| Loan loss allowance to noncurrent loans | 297.8056% | 1,309 |
| Noncurrent assets plus other real estate owned to assets | 7.8377% | 364 |
| Noncurrent loans to loans | 1.4013% | 3,501 |
| Net loans and leases to total assets | 55.9103% | 4,305 |
| Net loans and leases to deposits | 67.1148% | 4,117 |
| Net loans and leases to core deposits | 67.8806% | 4,547 |
| Total domestic deposits to total assets | 83.3054% | 4,596 |
| Equity capital to assets | 10.9346% | 3,032 |
| Core capital (leverage) ratio | 5.6278% | 6,887 |
| Tier 1 risk-based capital ratio | 7.9154% | 6,917 |
| Total risk-based capital ratio | 9.1921% | 6,918 |
| Memoranda: | ||
| Average total assets | $140,221,000 | 3,947 |
| Average earning assets | $104,222,400 | 4,487 |
| Average equity | $12,034,000 | 4,560 |
| Average total loans | $84,227,600 | 3,902 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5024% | 674 |
| Cost of funding earning assets | 0.7073% | 3,698 |
| Net interest margin | 4.7951% | 567 |
| Noninterest income to average assets | 3.2973% | 223 |
| Noninterest expense to average assets | 3.3978% | 2,005 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 2.2196% | 273 |
| Return on assets (ROA) | 2.2436% | 293 |
| Pretax return on assets | 3.5274% | 100 |
| Return on Equity (ROE) | 27.6618% | 102 |
| Retained earnings to average equity (ytd only) | 27.6618% | 41 |
| Net charge-offs to loans | 1.4903% | 576 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 3.8763% | 3,479 |
| Efficiency ratio | 49.3305% | 6,637 |
| Assets per employee ($millions) | 3.9731% | 3,926 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3640% | 112 |
| Loan loss allowance to noncurrent loans | 154.1374% | 2,237 |
| Noncurrent assets plus other real estate owned to assets | 8.9704% | 304 |
| Noncurrent loans to loans | 3.4800% | 1,559 |
| Net loans and leases to total assets | 58.4527% | 4,055 |
| Net loans and leases to deposits | 69.7240% | 3,933 |
| Net loans and leases to core deposits | 70.4987% | 4,434 |
| Total domestic deposits to total assets | 83.8345% | 4,302 |
| Equity capital to assets | 10.9110% | 3,370 |
| Core capital (leverage) ratio | 6.1595% | 6,934 |
| Tier 1 risk-based capital ratio | 7.9316% | 6,999 |
| Total risk-based capital ratio | 9.2209% | 6,997 |
| Memoranda: | ||
| Average total assets | $146,013,750 | 3,878 |
| Average earning assets | $109,330,750 | 4,411 |
| Average equity | $11,842,750 | 4,642 |
| Average total loans | $88,211,250 | 3,834 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6839% | 500 |
| Cost of funding earning assets | 0.7757% | 3,396 |
| Net interest margin | 4.9082% | 462 |
| Noninterest income to average assets | 4.7730% | 142 |
| Noninterest expense to average assets | 3.6217% | 1,536 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 3.0630% | 98 |
| Return on assets (ROA) | 3.0977% | 98 |
| Pretax return on assets | 4.8724% | 63 |
| Return on Equity (ROE) | 41.9019% | 36 |
| Retained earnings to average equity (ytd only) | 41.9019% | 23 |
| Net charge-offs to loans | 1.7556% | 505 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 4.5692% | 3,044 |
| Efficiency ratio | 42.9118% | 6,987 |
| Assets per employee ($millions) | 4.1258% | 3,615 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.8981% | 82 |
| Loan loss allowance to noncurrent loans | 183.8393% | 1,847 |
| Noncurrent assets plus other real estate owned to assets | 10.3739% | 243 |
| Noncurrent loans to loans | 3.2083% | 1,812 |
| Net loans and leases to total assets | 56.8736% | 4,345 |
| Net loans and leases to deposits | 66.8631% | 4,386 |
| Net loans and leases to core deposits | 67.6173% | 4,836 |
| Total domestic deposits to total assets | 85.0599% | 3,828 |
| Equity capital to assets | 11.2118% | 2,883 |
| Core capital (leverage) ratio | 4.7659% | 7,085 |
| Tier 1 risk-based capital ratio | 7.9016% | 7,044 |
| Total risk-based capital ratio | 9.1948% | 7,044 |
| Memoranda: | ||
| Average total assets | $154,954,330 | 3,751 |
| Average earning assets | $115,765,670 | 4,279 |
| Average equity | $11,455,330 | 4,724 |
| Average total loans | $93,075,000 | 3,730 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4135% | 891 |
| Cost of funding earning assets | 0.7795% | 3,632 |
| Net interest margin | 4.6340% | 772 |
| Noninterest income to average assets | 0.4237% | 4,489 |
| Noninterest expense to average assets | 3.5014% | 1,759 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.3046% | 5,644 |
| Return on assets (ROA) | 0.3046% | 5,810 |
| Pretax return on assets | 0.3801% | 5,782 |
| Return on Equity (ROE) | 4.9687% | 4,798 |
| Retained earnings to average equity (ytd only) | 4.9687% | 3,572 |
| Net charge-offs to loans | 0.5272% | 1,772 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 1.2029% | 3,736 |
| Efficiency ratio | 90.2065% | 1,079 |
| Assets per employee ($millions) | 3.8712% | 4,256 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6378% | 228 |
| Loan loss allowance to noncurrent loans | 273.6452% | 1,229 |
| Noncurrent assets plus other real estate owned to assets | 9.4762% | 341 |
| Noncurrent loans to loans | 1.6948% | 3,567 |
| Net loans and leases to total assets | 56.6204% | 4,266 |
| Net loans and leases to deposits | 62.6298% | 4,820 |
| Net loans and leases to core deposits | 63.5248% | 5,172 |
| Total domestic deposits to total assets | 90.4049% | 864 |
| Equity capital to assets | 6.2180% | 7,047 |
| Core capital (leverage) ratio | 2.0496% | 7,280 |
| Tier 1 risk-based capital ratio | 2.7260% | 7,283 |
| Total risk-based capital ratio | 4.0077% | 7,282 |
| Memoranda: | ||
| Average total assets | $174,671,000 | 3,461 |
| Average earning assets | $130,341,500 | 3,981 |
| Average equity | $10,707,000 | 4,886 |
| Average total loans | $104,703,000 | 3,487 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6465% | 877 |
| Cost of funding earning assets | 1.0408% | 3,089 |
| Net interest margin | 4.6057% | 915 |
| Noninterest income to average assets | -1.6891% | 7,344 |
| Noninterest expense to average assets | 3.5229% | 1,929 |
| Loan and lease loss provision to assets | 1.2653% | 661 |
| Net operating income to assets | -1.7841% | 6,982 |
| Return on assets (ROA) | -1.6144% | 6,953 |
| Pretax return on assets | -2.6815% | 7,145 |
| Return on Equity (ROE) | -25.6178% | 7,051 |
| Retained earnings to average equity (ytd only) | -25.6178% | 7,040 |
| Net charge-offs to loans | 2.5540% | 449 |
| Credit loss provision to net charge-offs | 81.2188% | 4,396 |
| Earnings coverage of net charge-offs (x) | -1.0793% | 6,204 |
| Efficiency ratio | 191.2958% | 64 |
| Assets per employee ($millions) | 3.4341% | 5,169 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6568% | 225 |
| Loan loss allowance to noncurrent loans | 425.0646% | 799 |
| Noncurrent assets plus other real estate owned to assets | 9.3612% | 371 |
| Noncurrent loans to loans | 1.0956% | 4,523 |
| Net loans and leases to total assets | 57.6911% | 4,428 |
| Net loans and leases to deposits | 63.4799% | 5,067 |
| Net loans and leases to core deposits | 64.4053% | 5,428 |
| Total domestic deposits to total assets | 90.8809% | 551 |
| Equity capital to assets | 6.0421% | 7,092 |
| Core capital (leverage) ratio | 1.8089% | 7,331 |
| Tier 1 risk-based capital ratio | 2.3936% | 7,332 |
| Total risk-based capital ratio | 3.6740% | 7,332 |
| Memoranda: | ||
| Average total assets | $192,765,800 | 3,148 |
| Average earning assets | $147,774,200 | 3,609 |
| Average equity | $12,147,800 | 4,520 |
| Average total loans | $117,579,200 | 3,225 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6364% | 964 |
| Cost of funding earning assets | 1.0866% | 3,069 |
| Net interest margin | 4.5498% | 1,042 |
| Noninterest income to average assets | -1.3808% | 7,420 |
| Noninterest expense to average assets | 3.3127% | 2,456 |
| Loan and lease loss provision to assets | 1.6493% | 391 |
| Net operating income to assets | -1.7210% | 7,089 |
| Return on assets (ROA) | -1.4998% | 7,054 |
| Pretax return on assets | -2.4891% | 7,207 |
| Return on Equity (ROE) | -23.5840% | 7,150 |
| Retained earnings to average equity (ytd only) | -23.5840% | 7,139 |
| Net charge-offs to loans | 1.7042% | 811 |
| Credit loss provision to net charge-offs | 158.3766% | 1,958 |
| Earnings coverage of net charge-offs (x) | -1.1383% | 5,946 |
| Efficiency ratio | 155.7216% | 119 |
| Assets per employee ($millions) | 3.6049% | 4,752 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.7013% | 118 |
| Loan loss allowance to noncurrent loans | 204.0179% | 1,536 |
| Noncurrent assets plus other real estate owned to assets | 10.8992% | 299 |
| Noncurrent loans to loans | 2.7945% | 2,495 |
| Net loans and leases to total assets | 57.5597% | 4,575 |
| Net loans and leases to deposits | 63.2829% | 5,259 |
| Net loans and leases to core deposits | 64.4629% | 5,566 |
| Total domestic deposits to total assets | 90.9562% | 447 |
| Equity capital to assets | 6.2203% | 7,162 |
| Core capital (leverage) ratio | 2.5806% | 7,368 |
| Tier 1 risk-based capital ratio | 3.5103% | 7,379 |
| Total risk-based capital ratio | 4.8037% | 7,381 |
| Memoranda: | ||
| Average total assets | $197,172,750 | 3,106 |
| Average earning assets | $152,031,500 | 3,567 |
| Average equity | $12,539,250 | 4,446 |
| Average total loans | $120,480,500 | 3,184 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6438% | 981 |
| Cost of funding earning assets | 1.0967% | 3,269 |
| Net interest margin | 4.5471% | 1,023 |
| Noninterest income to average assets | -1.2241% | 7,490 |
| Noninterest expense to average assets | 3.3966% | 2,270 |
| Loan and lease loss provision to assets | 2.4195% | 217 |
| Net operating income to assets | -2.1199% | 7,209 |
| Return on assets (ROA) | -1.7955% | 7,167 |
| Pretax return on assets | -2.9879% | 7,307 |
| Return on Equity (ROE) | -28.0468% | 7,222 |
| Retained earnings to average equity (ytd only) | -28.0468% | 7,212 |
| Net charge-offs to loans | 2.1017% | 622 |
| Credit loss provision to net charge-offs | 188.3398% | 1,604 |
| Earnings coverage of net charge-offs (x) | -0.8371% | 5,609 |
| Efficiency ratio | 146.3248% | 170 |
| Assets per employee ($millions) | 4.0979% | 3,552 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.7286% | 120 |
| Loan loss allowance to noncurrent loans | 122.5646% | 2,394 |
| Noncurrent assets plus other real estate owned to assets | 12.3311% | 241 |
| Noncurrent loans to loans | 4.6739% | 1,410 |
| Net loans and leases to total assets | 55.5779% | 5,056 |
| Net loans and leases to deposits | 60.6299% | 5,658 |
| Net loans and leases to core deposits | 63.4744% | 5,781 |
| Total domestic deposits to total assets | 91.6674% | 305 |
| Equity capital to assets | 6.0703% | 7,234 |
| Core capital (leverage) ratio | 2.7071% | 7,437 |
| Tier 1 risk-based capital ratio | 3.6201% | 7,444 |
| Total risk-based capital ratio | 4.9123% | 7,445 |
| Memoranda: | ||
| Average total assets | $201,614,000 | 3,080 |
| Average earning assets | $157,198,670 | 3,500 |
| Average equity | $12,907,000 | 4,364 |
| Average total loans | $123,233,670 | 3,164 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7039% | 873 |
| Cost of funding earning assets | 1.1047% | 3,486 |
| Net interest margin | 4.5992% | 863 |
| Noninterest income to average assets | -1.5112% | 7,547 |
| Noninterest expense to average assets | 3.4890% | 2,031 |
| Loan and lease loss provision to assets | 1.9503% | 283 |
| Net operating income to assets | -1.9929% | 7,282 |
| Return on assets (ROA) | -1.9640% | 7,272 |
| Pretax return on assets | -3.2577% | 7,399 |
| Return on Equity (ROE) | -29.9317% | 7,322 |
| Retained earnings to average equity (ytd only) | -29.9317% | 7,296 |
| Net charge-offs to loans | 0.6621% | 1,885 |
| Credit loss provision to net charge-offs | 473.8095% | 749 |
| Earnings coverage of net charge-offs (x) | -3.2857% | 4,995 |
| Efficiency ratio | 163.3028% | 115 |
| Assets per employee ($millions) | 4.0157% | 3,805 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0758% | 181 |
| Loan loss allowance to noncurrent loans | 96.3065% | 2,972 |
| Noncurrent assets plus other real estate owned to assets | 12.9087% | 219 |
| Noncurrent loans to loans | 5.2705% | 1,256 |
| Net loans and leases to total assets | 58.5292% | 4,543 |
| Net loans and leases to deposits | 64.1304% | 5,237 |
| Net loans and leases to core deposits | 67.8011% | 5,314 |
| Total domestic deposits to total assets | 91.2659% | 505 |
| Equity capital to assets | 6.4172% | 7,228 |
| Core capital (leverage) ratio | 3.3099% | 7,472 |
| Tier 1 risk-based capital ratio | 4.2266% | 7,484 |
| Total risk-based capital ratio | 5.5104% | 7,484 |
| Memoranda: | ||
| Average total assets | $204,072,500 | 3,067 |
| Average earning assets | $161,855,500 | 3,427 |
| Average equity | $13,390,500 | 4,248 |
| Average total loans | $126,869,000 | 3,121 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3787% | 2,773 |
| Cost of funding earning assets | 1.4528% | 2,940 |
| Net interest margin | 3.9259% | 3,369 |
| Noninterest income to average assets | -0.0281% | 7,332 |
| Noninterest expense to average assets | 3.5122% | 2,141 |
| Loan and lease loss provision to assets | 4.4842% | 111 |
| Net operating income to assets | -2.9184% | 7,277 |
| Return on assets (ROA) | -2.8836% | 7,289 |
| Pretax return on assets | -4.6926% | 7,519 |
| Return on Equity (ROE) | -38.8121% | 7,336 |
| Retained earnings to average equity (ytd only) | -38.8121% | 7,329 |
| Net charge-offs to loans | 6.9270% | 56 |
| Credit loss provision to net charge-offs | 95.7568% | 4,855 |
| Earnings coverage of net charge-offs (x) | -0.0561% | 6,180 |
| Efficiency ratio | 108.0859% | 572 |
| Assets per employee ($millions) | 3.9877% | 3,813 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2321% | 326 |
| Loan loss allowance to noncurrent loans | 46.9278% | 5,191 |
| Noncurrent assets plus other real estate owned to assets | 13.9218% | 196 |
| Noncurrent loans to loans | 9.0184% | 516 |
| Net loans and leases to total assets | 60.0102% | 4,678 |
| Net loans and leases to deposits | 65.6474% | 5,441 |
| Net loans and leases to core deposits | 69.5010% | 5,489 |
| Total domestic deposits to total assets | 91.4129% | 424 |
| Equity capital to assets | 6.7015% | 7,206 |
| Core capital (leverage) ratio | 3.9244% | 7,506 |
| Tier 1 risk-based capital ratio | 5.1419% | 7,517 |
| Total risk-based capital ratio | 6.4184% | 7,520 |
| Memoranda: | ||
| Average total assets | $227,977,800 | 2,780 |
| Average earning assets | $190,325,000 | 2,997 |
| Average equity | $16,938,000 | 3,604 |
| Average total loans | $154,121,600 | 2,699 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4410% | 2,684 |
| Cost of funding earning assets | 1.5290% | 2,777 |
| Net interest margin | 3.9120% | 3,480 |
| Noninterest income to average assets | 0.0835% | 7,118 |
| Noninterest expense to average assets | 3.4377% | 2,188 |
| Loan and lease loss provision to assets | 4.2664% | 132 |
| Net operating income to assets | -2.9156% | 7,434 |
| Return on assets (ROA) | -2.8681% | 7,439 |
| Pretax return on assets | -4.2515% | 7,586 |
| Return on Equity (ROE) | -37.7800% | 7,472 |
| Retained earnings to average equity (ytd only) | -37.7800% | 7,469 |
| Net charge-offs to loans | 6.7652% | 75 |
| Credit loss provision to net charge-offs | 91.7928% | 4,700 |
| Earnings coverage of net charge-offs (x) | -0.0121% | 6,040 |
| Efficiency ratio | 101.6574% | 693 |
| Assets per employee ($millions) | 4.0271% | 3,780 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8105% | 430 |
| Loan loss allowance to noncurrent loans | 34.3249% | 6,039 |
| Noncurrent assets plus other real estate owned to assets | 14.5966% | 167 |
| Noncurrent loans to loans | 11.1013% | 342 |
| Net loans and leases to total assets | 61.3494% | 4,659 |
| Net loans and leases to deposits | 68.9520% | 5,283 |
| Net loans and leases to core deposits | 73.2625% | 5,380 |
| Total domestic deposits to total assets | 88.9741% | 1,400 |
| Equity capital to assets | 7.1985% | 7,266 |
| Core capital (leverage) ratio | 5.3469% | 7,515 |
| Tier 1 risk-based capital ratio | 6.8062% | 7,564 |
| Total risk-based capital ratio | 8.0789% | 7,568 |
| Memoranda: | ||
| Average total assets | $233,132,750 | 2,743 |
| Average earning assets | $196,553,500 | 2,968 |
| Average equity | $17,698,500 | 3,523 |
| Average total loans | $160,168,250 | 2,656 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4364% | 2,817 |
| Cost of funding earning assets | 1.6305% | 2,478 |
| Net interest margin | 3.8059% | 3,872 |
| Noninterest income to average assets | 0.1838% | 6,591 |
| Noninterest expense to average assets | 3.3832% | 2,310 |
| Loan and lease loss provision to assets | 4.2373% | 168 |
| Net operating income to assets | -2.5704% | 7,435 |
| Return on assets (ROA) | -2.5038% | 7,431 |
| Pretax return on assets | -4.0737% | 7,609 |
| Return on Equity (ROE) | -32.4701% | 7,460 |
| Retained earnings to average equity (ytd only) | -32.4701% | 7,450 |
| Net charge-offs to loans | 4.8313% | 223 |
| Credit loss provision to net charge-offs | 124.9381% | 3,242 |
| Earnings coverage of net charge-offs (x) | 0.0176% | 5,698 |
| Efficiency ratio | 98.2696% | 870 |
| Assets per employee ($millions) | 4.1074% | 3,568 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4631% | 264 |
| Loan loss allowance to noncurrent loans | 33.9231% | 6,108 |
| Noncurrent assets plus other real estate owned to assets | 15.1922% | 140 |
| Noncurrent loans to loans | 13.1566% | 225 |
| Net loans and leases to total assets | 65.9500% | 3,844 |
| Net loans and leases to deposits | 74.7545% | 4,556 |
| Net loans and leases to core deposits | 79.3820% | 4,762 |
| Total domestic deposits to total assets | 88.2221% | 1,869 |
| Equity capital to assets | 7.7895% | 6,937 |
| Core capital (leverage) ratio | 7.0213% | 7,182 |
| Tier 1 risk-based capital ratio | 8.4725% | 7,487 |
| Total risk-based capital ratio | 9.7528% | 7,496 |
| Memoranda: | ||
| Average total assets | $238,356,670 | 2,718 |
| Average earning assets | $204,106,330 | 2,886 |
| Average equity | $18,380,000 | 3,402 |
| Average total loans | $167,325,670 | 2,592 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3694% | 3,196 |
| Cost of funding earning assets | 1.7641% | 2,047 |
| Net interest margin | 3.6053% | 4,703 |
| Noninterest income to average assets | 0.1995% | 6,536 |
| Noninterest expense to average assets | 3.0975% | 3,273 |
| Loan and lease loss provision to assets | 4.9063% | 164 |
| Net operating income to assets | -2.8599% | 7,622 |
| Return on assets (ROA) | -2.8359% | 7,619 |
| Pretax return on assets | -4.6316% | 7,737 |
| Return on Equity (ROE) | -36.9496% | 7,633 |
| Retained earnings to average equity (ytd only) | -36.9496% | 7,615 |
| Net charge-offs to loans | 5.3775% | 217 |
| Credit loss provision to net charge-offs | 128.9768% | 2,739 |
| Earnings coverage of net charge-offs (x) | 0.0623% | 4,982 |
| Efficiency ratio | 92.8887% | 1,209 |
| Assets per employee ($millions) | 4.3848% | 3,151 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0048% | 374 |
| Loan loss allowance to noncurrent loans | 27.1146% | 6,589 |
| Noncurrent assets plus other real estate owned to assets | 14.3992% | 153 |
| Noncurrent loans to loans | 14.7698% | 190 |
| Net loans and leases to total assets | 65.8580% | 3,895 |
| Net loans and leases to deposits | 74.5310% | 4,665 |
| Net loans and leases to core deposits | 80.4611% | 4,707 |
| Total domestic deposits to total assets | 88.3632% | 1,874 |
| Equity capital to assets | 7.5023% | 7,072 |
| Core capital (leverage) ratio | 7.0336% | 7,232 |
| Tier 1 risk-based capital ratio | 8.5705% | 7,553 |
| Total risk-based capital ratio | 9.8464% | 7,568 |
| Memoranda: | ||
| Average total assets | $244,582,000 | 2,705 |
| Average earning assets | $212,686,000 | 2,842 |
| Average equity | $18,771,500 | 3,354 |
| Average total loans | $173,016,000 | 2,570 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8798% | 2,326 |
| Cost of funding earning assets | 2.2702% | 1,770 |
| Net interest margin | 3.6096% | 4,519 |
| Noninterest income to average assets | 0.1108% | 7,207 |
| Noninterest expense to average assets | 3.1605% | 3,509 |
| Loan and lease loss provision to assets | 3.8752% | 366 |
| Net operating income to assets | -2.2128% | 7,169 |
| Return on assets (ROA) | -2.2128% | 7,168 |
| Pretax return on assets | -3.6603% | 7,459 |
| Return on Equity (ROE) | -26.8035% | 7,336 |
| Retained earnings to average equity (ytd only) | -26.8035% | 7,308 |
| Net charge-offs to loans | 3.5694% | 537 |
| Credit loss provision to net charge-offs | 148.3267% | 3,154 |
| Earnings coverage of net charge-offs (x) | 0.0822% | 6,078 |
| Efficiency ratio | 93.6341% | 1,435 |
| Assets per employee ($millions) | 4.1333% | 3,554 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2961% | 609 |
| Loan loss allowance to noncurrent loans | 23.3540% | 6,892 |
| Noncurrent assets plus other real estate owned to assets | 11.4190% | 281 |
| Noncurrent loans to loans | 14.1135% | 204 |
| Net loans and leases to total assets | 70.4147% | 3,155 |
| Net loans and leases to deposits | 82.3638% | 3,568 |
| Net loans and leases to core deposits | 107.2252% | 3,188 |
| Total domestic deposits to total assets | 85.4922% | 3,298 |
| Equity capital to assets | 7.8428% | 6,725 |
| Core capital (leverage) ratio | 7.1178% | 7,142 |
| Tier 1 risk-based capital ratio | 9.0776% | 7,437 |
| Total risk-based capital ratio | 10.3474% | 7,448 |
| Memoranda: | ||
| Average total assets | $269,924,800 | 2,419 |
| Average earning assets | $244,124,800 | 2,463 |
| Average equity | $22,284,400 | 2,913 |
| Average total loans | $197,569,000 | 2,314 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9722% | 2,143 |
| Cost of funding earning assets | 2.3384% | 1,847 |
| Net interest margin | 3.6338% | 4,357 |
| Noninterest income to average assets | 0.1772% | 6,950 |
| Noninterest expense to average assets | 3.0296% | 3,932 |
| Loan and lease loss provision to assets | 4.2651% | 253 |
| Net operating income to assets | -2.6288% | 7,493 |
| Return on assets (ROA) | -2.6288% | 7,500 |
| Pretax return on assets | -3.8187% | 7,662 |
| Return on Equity (ROE) | -31.4871% | 7,640 |
| Retained earnings to average equity (ytd only) | -31.4871% | 7,623 |
| Net charge-offs to loans | 4.3616% | 301 |
| Credit loss provision to net charge-offs | 133.4444% | 3,738 |
| Earnings coverage of net charge-offs (x) | 0.1397% | 5,892 |
| Efficiency ratio | 87.1588% | 1,949 |
| Assets per employee ($millions) | 4.4901% | 2,878 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5249% | 1,031 |
| Loan loss allowance to noncurrent loans | 20.5848% | 7,062 |
| Noncurrent assets plus other real estate owned to assets | 9.9802% | 342 |
| Noncurrent loans to loans | 12.2661% | 257 |
| Net loans and leases to total assets | 68.0950% | 3,935 |
| Net loans and leases to deposits | 79.2968% | 4,511 |
| Net loans and leases to core deposits | 104.5657% | 3,866 |
| Total domestic deposits to total assets | 85.8736% | 2,768 |
| Equity capital to assets | 7.1091% | 7,545 |
| Core capital (leverage) ratio | 6.5349% | 7,657 |
| Tier 1 risk-based capital ratio | 8.5186% | 7,728 |
| Total risk-based capital ratio | 9.7801% | 7,752 |
| Memoranda: | ||
| Average total assets | $275,406,500 | 2,390 |
| Average earning assets | $250,017,250 | 2,427 |
| Average equity | $22,993,000 | 2,853 |
| Average total loans | $201,816,500 | 2,301 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0913% | 1,817 |
| Cost of funding earning assets | 2.4104% | 1,926 |
| Net interest margin | 3.6809% | 4,035 |
| Noninterest income to average assets | 0.1254% | 7,345 |
| Noninterest expense to average assets | 3.1009% | 3,696 |
| Loan and lease loss provision to assets | 0.7411% | 2,211 |
| Net operating income to assets | -0.1730% | 6,140 |
| Return on assets (ROA) | -0.1730% | 6,160 |
| Pretax return on assets | -0.3598% | 6,288 |
| Return on Equity (ROE) | -1.9775% | 6,222 |
| Retained earnings to average equity (ytd only) | -1.9775% | 5,738 |
| Net charge-offs to loans | 0.4807% | 2,910 |
| Credit loss provision to net charge-offs | 207.2581% | 2,205 |
| Earnings coverage of net charge-offs (x) | 1.0665% | 4,719 |
| Efficiency ratio | 89.0476% | 1,904 |
| Assets per employee ($millions) | 4.3901% | 2,950 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5129% | 3,118 |
| Loan loss allowance to noncurrent loans | 15.7228% | 7,344 |
| Noncurrent assets plus other real estate owned to assets | 7.6766% | 511 |
| Noncurrent loans to loans | 9.6224% | 376 |
| Net loans and leases to total assets | 70.1720% | 3,661 |
| Net loans and leases to deposits | 83.4269% | 3,974 |
| Net loans and leases to core deposits | 112.1490% | 3,118 |
| Total domestic deposits to total assets | 84.1119% | 3,706 |
| Equity capital to assets | 8.4441% | 6,135 |
| Core capital (leverage) ratio | 8.2164% | 5,954 |
| Tier 1 risk-based capital ratio | 10.2942% | 6,602 |
| Total risk-based capital ratio | 11.5454% | 6,534 |
| Memoranda: | ||
| Average total assets | $277,407,670 | 2,400 |
| Average earning assets | $252,984,000 | 2,415 |
| Average equity | $24,273,330 | 2,726 |
| Average total loans | $206,354,670 | 2,277 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2709% | 1,385 |
| Cost of funding earning assets | 2.3921% | 2,325 |
| Net interest margin | 3.8788% | 3,140 |
| Noninterest income to average assets | -0.0336% | 8,104 |
| Noninterest expense to average assets | 2.7385% | 4,833 |
| Loan and lease loss provision to assets | 0.7709% | 1,672 |
| Net operating income to assets | 0.0176% | 6,213 |
| Return on assets (ROA) | 0.0176% | 6,369 |
| Pretax return on assets | -0.0088% | 6,386 |
| Return on Equity (ROE) | 0.1970% | 6,362 |
| Retained earnings to average equity (ytd only) | 0.1970% | 5,579 |
| Net charge-offs to loans | 0.6235% | 1,929 |
| Credit loss provision to net charge-offs | 162.6543% | 2,614 |
| Earnings coverage of net charge-offs (x) | 1.6080% | 3,924 |
| Efficiency ratio | 78.2282% | 3,129 |
| Assets per employee ($millions) | 4.1317% | 3,398 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3341% | 3,890 |
| Loan loss allowance to noncurrent loans | 25.9567% | 6,842 |
| Noncurrent assets plus other real estate owned to assets | 4.4431% | 1,092 |
| Noncurrent loans to loans | 5.1396% | 1,049 |
| Net loans and leases to total assets | 72.3115% | 3,171 |
| Net loans and leases to deposits | 86.9231% | 3,486 |
| Net loans and leases to core deposits | 119.0595% | 2,502 |
| Total domestic deposits to total assets | 83.1901% | 4,055 |
| Equity capital to assets | 8.6918% | 5,781 |
| Core capital (leverage) ratio | 8.8325% | 4,935 |
| Tier 1 risk-based capital ratio | 10.4378% | 6,458 |
| Total risk-based capital ratio | 11.6319% | 6,428 |
| Memoranda: | ||
| Average total assets | $273,432,000 | 2,433 |
| Average earning assets | $249,150,000 | 2,456 |
| Average equity | $24,362,000 | 2,723 |
| Average total loans | $207,873,000 | 2,291 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4163% | 480 |
| Cost of funding earning assets | 2.7734% | 2,813 |
| Net interest margin | 4.6430% | 1,063 |
| Noninterest income to average assets | 0.3780% | 5,662 |
| Noninterest expense to average assets | 2.8183% | 4,746 |
| Loan and lease loss provision to assets | 0.7964% | 1,865 |
| Net operating income to assets | 0.7079% | 3,861 |
| Return on assets (ROA) | 0.7079% | 3,693 |
| Pretax return on assets | 1.0089% | 3,351 |
| Return on Equity (ROE) | 8.0093% | 3,074 |
| Retained earnings to average equity (ytd only) | 7.7545% | 915 |
| Net charge-offs to loans | 0.6509% | 1,907 |
| Credit loss provision to net charge-offs | 160.6359% | 3,212 |
| Earnings coverage of net charge-offs (x) | 3.6412% | 4,273 |
| Efficiency ratio | 60.9546% | 6,172 |
| Assets per employee ($millions) | 3.6932% | 4,190 |
| Cash dividends to net income (ytd only)* | 3.1813% | 4,799 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2128% | 4,436 |
| Loan loss allowance to noncurrent loans | 33.9514% | 6,461 |
| Noncurrent assets plus other real estate owned to assets | 3.7501% | 1,151 |
| Noncurrent loans to loans | 3.5723% | 1,416 |
| Net loans and leases to total assets | 77.9557% | 2,155 |
| Net loans and leases to deposits | 94.5861% | 2,677 |
| Net loans and leases to core deposits | 118.9890% | 2,788 |
| Total domestic deposits to total assets | 82.4177% | 4,039 |
| Equity capital to assets | 9.1399% | 5,166 |
| Core capital (leverage) ratio | 8.6106% | 5,360 |
| Tier 1 risk-based capital ratio | 10.3520% | 6,363 |
| Total risk-based capital ratio | 11.4497% | 6,381 |
| Memoranda: | ||
| Average total assets | $266,437,000 | 2,407 |
| Average earning assets | $243,637,600 | 2,420 |
| Average equity | $23,547,600 | 2,780 |
| Average total loans | $202,964,400 | 2,271 |