Home > Tri-County Bank > Performance and Condition Ratios
Tri-County Bank, Performance and Condition Ratios
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7177% | 1,526 |
| Cost of funding earning assets | 0.8235% | 1,078 |
| Net interest margin | 3.8942% | 2,305 |
| Noninterest income to average assets | 0.8403% | 1,902 |
| Noninterest expense to average assets | 3.0462% | 2,909 |
| Loan and lease loss provision to assets | 0.1746% | 2,115 |
| Net operating income to assets | 0.7962% | 3,306 |
| Return on assets (ROA) | 0.7962% | 3,407 |
| Pretax return on assets | 1.1454% | 2,786 |
| Return on Equity (ROE) | 7.4173% | 3,348 |
| Retained earnings to average equity (ytd only) | 4.3774% | 3,063 |
| Net charge-offs to loans | 0.0426% | 4,618 |
| Credit loss provision to net charge-offs | 535.0000% | 438 |
| Earnings coverage of net charge-offs (x) | 40.4500% | 935 |
| Efficiency ratio | 69.7683% | 3,873 |
| Assets per employee ($millions) | 4.0838% | 3,690 |
| Cash dividends to net income (ytd only)* | 40.9836% | 2,762 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8537% | 1,915 |
| Loan loss allowance to noncurrent loans | 158.7571% | 2,553 |
| Noncurrent assets plus other real estate owned to assets | 2.0814% | 1,720 |
| Noncurrent loans to loans | 1.1676% | 3,201 |
| Net loans and leases to total assets | 72.8635% | 1,541 |
| Net loans and leases to deposits | 82.8550% | 2,085 |
| Net loans and leases to core deposits | 95.5371% | 1,487 |
| Total domestic deposits to total assets | 87.9410% | 2,208 |
| Equity capital to assets | 10.9506% | 2,659 |
| Core capital (leverage) ratio | 10.5578% | 2,842 |
| Tier 1 risk-based capital ratio | 15.9764% | 3,102 |
| Total risk-based capital ratio | 17.2367% | 3,055 |
| Memoranda: | ||
| Average total assets | $61,289,200 | 5,722 |
| Average earning assets | $55,493,000 | 5,716 |
| Average equity | $6,579,200 | 5,676 |
| Average total loans | $46,931,000 | 5,071 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7607% | 1,444 |
| Cost of funding earning assets | 0.7930% | 1,367 |
| Net interest margin | 3.9677% | 2,053 |
| Noninterest income to average assets | 0.8526% | 1,923 |
| Noninterest expense to average assets | 3.0104% | 2,958 |
| Loan and lease loss provision to assets | 0.2327% | 1,551 |
| Net operating income to assets | 0.8353% | 3,163 |
| Return on assets (ROA) | 0.8353% | 3,291 |
| Pretax return on assets | 1.2116% | 2,650 |
| Return on Equity (ROE) | 7.8202% | 3,216 |
| Retained earnings to average equity (ytd only) | 3.7472% | 4,022 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5781% | 4,175 |
| Assets per employee ($millions) | 4.7050% | 2,565 |
| Cash dividends to net income (ytd only)* | 52.0830% | 1,775 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8500% | 2,139 |
| Loan loss allowance to noncurrent loans | 66.8474% | 4,551 |
| Noncurrent assets plus other real estate owned to assets | 1.9599% | 2,070 |
| Noncurrent loans to loans | 2.7675% | 1,514 |
| Net loans and leases to total assets | 69.5096% | 2,044 |
| Net loans and leases to deposits | 82.4127% | 2,087 |
| Net loans and leases to core deposits | 95.5986% | 1,429 |
| Total domestic deposits to total assets | 84.3434% | 4,049 |
| Equity capital to assets | 10.0440% | 3,843 |
| Core capital (leverage) ratio | 10.4711% | 3,035 |
| Tier 1 risk-based capital ratio | 15.7863% | 3,307 |
| Total risk-based capital ratio | 17.0467% | 3,257 |
| Memoranda: | ||
| Average total assets | $61,297,250 | 5,786 |
| Average earning assets | $55,648,500 | 5,770 |
| Average equity | $6,547,000 | 5,749 |
| Average total loans | $47,294,500 | 5,098 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9306% | 1,028 |
| Cost of funding earning assets | 0.8088% | 1,375 |
| Net interest margin | 4.1218% | 1,485 |
| Noninterest income to average assets | 0.8934% | 1,831 |
| Noninterest expense to average assets | 3.0917% | 2,685 |
| Loan and lease loss provision to assets | 0.2677% | 1,383 |
| Net operating income to assets | 0.8800% | 2,907 |
| Return on assets (ROA) | 0.8800% | 3,053 |
| Pretax return on assets | 1.2681% | 2,414 |
| Return on Equity (ROE) | 8.0625% | 3,060 |
| Retained earnings to average equity (ytd only) | 1.9313% | 5,040 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8113% | 4,397 |
| Assets per employee ($millions) | 4.1065% | 3,566 |
| Cash dividends to net income (ytd only)* | 76.0456% | 1,009 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7355% | 2,645 |
| Loan loss allowance to noncurrent loans | 150.9025% | 2,506 |
| Noncurrent assets plus other real estate owned to assets | 0.8994% | 3,990 |
| Noncurrent loans to loans | 1.1501% | 3,629 |
| Net loans and leases to total assets | 76.8447% | 883 |
| Net loans and leases to deposits | 91.2164% | 1,032 |
| Net loans and leases to core deposits | 104.0056% | 841 |
| Total domestic deposits to total assets | 84.2444% | 4,222 |
| Equity capital to assets | 10.5492% | 3,237 |
| Core capital (leverage) ratio | 10.7888% | 2,576 |
| Tier 1 risk-based capital ratio | 15.3868% | 3,541 |
| Total risk-based capital ratio | 16.6450% | 3,498 |
| Memoranda: | ||
| Average total assets | $59,773,000 | 5,859 |
| Average earning assets | $54,151,670 | 5,858 |
| Average equity | $6,524,000 | 5,805 |
| Average total loans | $47,509,670 | 5,120 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9805% | 927 |
| Cost of funding earning assets | 0.8301% | 1,365 |
| Net interest margin | 4.1504% | 1,324 |
| Noninterest income to average assets | 0.7203% | 2,483 |
| Noninterest expense to average assets | 3.2347% | 2,249 |
| Loan and lease loss provision to assets | 0.2718% | 1,301 |
| Net operating income to assets | 0.6728% | 3,831 |
| Return on assets (ROA) | 0.6728% | 3,988 |
| Pretax return on assets | 0.9514% | 3,560 |
| Return on Equity (ROE) | 6.0578% | 4,014 |
| Retained earnings to average equity (ytd only) | 6.0578% | 2,648 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5610% | 3,508 |
| Assets per employee ($millions) | 3.9618% | 4,034 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7057% | 2,985 |
| Loan loss allowance to noncurrent loans | 143.6823% | 2,470 |
| Noncurrent assets plus other real estate owned to assets | 1.1493% | 3,643 |
| Noncurrent loans to loans | 1.1872% | 3,787 |
| Net loans and leases to total assets | 77.1871% | 702 |
| Net loans and leases to deposits | 89.4920% | 1,005 |
| Net loans and leases to core deposits | 102.8868% | 778 |
| Total domestic deposits to total assets | 86.2504% | 3,387 |
| Equity capital to assets | 11.0808% | 2,866 |
| Core capital (leverage) ratio | 11.1530% | 2,134 |
| Tier 1 risk-based capital ratio | 15.7044% | 3,420 |
| Total risk-based capital ratio | 16.9623% | 3,381 |
| Memoranda: | ||
| Average total assets | $58,861,000 | 5,937 |
| Average earning assets | $53,006,500 | 5,946 |
| Average equity | $6,537,000 | 5,853 |
| Average total loans | $47,179,500 | 5,162 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4399% | 699 |
| Cost of funding earning assets | 1.0256% | 1,227 |
| Net interest margin | 4.4143% | 1,134 |
| Noninterest income to average assets | 0.9434% | 1,728 |
| Noninterest expense to average assets | 3.1827% | 2,672 |
| Loan and lease loss provision to assets | 0.2439% | 2,704 |
| Net operating income to assets | 0.9879% | 2,390 |
| Return on assets (ROA) | 0.9879% | 2,614 |
| Pretax return on assets | 1.4703% | 1,779 |
| Return on Equity (ROE) | 8.7989% | 2,734 |
| Retained earnings to average equity (ytd only) | 5.6281% | 2,295 |
| Net charge-offs to loans | 0.0089% | 5,819 |
| Credit loss provision to net charge-offs | 3,425.0000% | 70 |
| Earnings coverage of net charge-offs (x) | 240.7500% | 172 |
| Efficiency ratio | 64.9945% | 4,705 |
| Assets per employee ($millions) | 3.8863% | 4,184 |
| Cash dividends to net income (ytd only)* | 36.0360% | 3,085 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5851% | 3,383 |
| Loan loss allowance to noncurrent loans | 136.4621% | 2,563 |
| Noncurrent assets plus other real estate owned to assets | 1.4392% | 3,231 |
| Noncurrent loans to loans | 1.1616% | 3,909 |
| Net loans and leases to total assets | 80.5163% | 422 |
| Net loans and leases to deposits | 95.8309% | 625 |
| Net loans and leases to core deposits | 108.7234% | 579 |
| Total domestic deposits to total assets | 84.0192% | 4,303 |
| Equity capital to assets | 11.1313% | 2,804 |
| Core capital (leverage) ratio | 11.4906% | 1,885 |
| Tier 1 risk-based capital ratio | 14.9747% | 3,733 |
| Total risk-based capital ratio | 16.2320% | 3,683 |
| Memoranda: | ||
| Average total assets | $56,178,600 | 6,022 |
| Average earning assets | $50,313,800 | 6,036 |
| Average equity | $6,307,600 | 5,939 |
| Average total loans | $45,155,200 | 5,280 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5515% | 614 |
| Cost of funding earning assets | 1.0942% | 1,081 |
| Net interest margin | 4.4572% | 1,081 |
| Noninterest income to average assets | 0.8529% | 2,014 |
| Noninterest expense to average assets | 3.1362% | 2,776 |
| Loan and lease loss provision to assets | 0.2468% | 2,592 |
| Net operating income to assets | 0.9823% | 2,601 |
| Return on assets (ROA) | 0.9823% | 2,826 |
| Pretax return on assets | 1.4615% | 2,035 |
| Return on Equity (ROE) | 8.7293% | 2,934 |
| Retained earnings to average equity (ytd only) | 6.6002% | 2,329 |
| Net charge-offs to loans | 0.0150% | 5,481 |
| Credit loss provision to net charge-offs | 2,060.0000% | 130 |
| Earnings coverage of net charge-offs (x) | 142.5247% | 313 |
| Efficiency ratio | 64.7379% | 4,669 |
| Assets per employee ($millions) | 3.7377% | 4,452 |
| Cash dividends to net income (ytd only)* | 24.3904% | 2,891 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5735% | 3,629 |
| Loan loss allowance to noncurrent loans | 117.8105% | 2,828 |
| Noncurrent assets plus other real estate owned to assets | 1.5999% | 3,199 |
| Noncurrent loans to loans | 1.3356% | 3,799 |
| Net loans and leases to total assets | 80.4409% | 475 |
| Net loans and leases to deposits | 96.8372% | 605 |
| Net loans and leases to core deposits | 107.7607% | 659 |
| Total domestic deposits to total assets | 83.0682% | 4,619 |
| Equity capital to assets | 11.4989% | 2,744 |
| Core capital (leverage) ratio | 11.6213% | 1,893 |
| Tier 1 risk-based capital ratio | 14.8971% | 3,921 |
| Total risk-based capital ratio | 16.1521% | 3,874 |
| Memoranda: | ||
| Average total assets | $55,649,500 | 6,101 |
| Average earning assets | $49,835,500 | 6,122 |
| Average equity | $6,262,250 | 6,018 |
| Average total loans | $44,520,750 | 5,372 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5635% | 622 |
| Cost of funding earning assets | 1.1996% | 827 |
| Net interest margin | 4.3638% | 1,301 |
| Noninterest income to average assets | 0.8179% | 2,103 |
| Noninterest expense to average assets | 3.1561% | 2,729 |
| Loan and lease loss provision to assets | 0.2450% | 2,611 |
| Net operating income to assets | 0.8899% | 2,960 |
| Return on assets (ROA) | 0.8899% | 3,222 |
| Pretax return on assets | 1.3223% | 2,469 |
| Return on Equity (ROE) | 7.9669% | 3,278 |
| Retained earnings to average equity (ytd only) | 4.7414% | 3,451 |
| Net charge-offs to loans | -0.0045% | 6,150 |
| Credit loss provision to net charge-offs | -6,800.0000% | 6,582 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8192% | 4,354 |
| Assets per employee ($millions) | 3.6378% | 4,668 |
| Cash dividends to net income (ytd only)* | 40.4858% | 2,156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5603% | 3,740 |
| Loan loss allowance to noncurrent loans | 110.8974% | 2,917 |
| Noncurrent assets plus other real estate owned to assets | 1.6658% | 3,218 |
| Noncurrent loans to loans | 1.4070% | 3,807 |
| Net loans and leases to total assets | 80.0099% | 510 |
| Net loans and leases to deposits | 96.2203% | 614 |
| Net loans and leases to core deposits | 106.6518% | 713 |
| Total domestic deposits to total assets | 83.1528% | 4,696 |
| Equity capital to assets | 11.5015% | 2,597 |
| Core capital (leverage) ratio | 11.2880% | 2,055 |
| Tier 1 risk-based capital ratio | 15.8328% | 3,257 |
| Total risk-based capital ratio | 17.0900% | 3,221 |
| Memoranda: | ||
| Average total assets | $55,510,670 | 6,147 |
| Average earning assets | $49,681,330 | 6,168 |
| Average equity | $6,200,670 | 6,062 |
| Average total loans | $44,087,330 | 5,426 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5011% | 752 |
| Cost of funding earning assets | 1.3075% | 614 |
| Net interest margin | 4.1936% | 1,776 |
| Noninterest income to average assets | 0.7431% | 2,433 |
| Noninterest expense to average assets | 2.9938% | 3,270 |
| Loan and lease loss provision to assets | 0.2429% | 2,527 |
| Net operating income to assets | 0.8503% | 3,161 |
| Return on assets (ROA) | 0.8503% | 3,397 |
| Pretax return on assets | 1.2647% | 2,672 |
| Return on Equity (ROE) | 7.7235% | 3,399 |
| Retained earnings to average equity (ytd only) | 6.1009% | 2,899 |
| Net charge-offs to loans | -0.0091% | 5,920 |
| Credit loss provision to net charge-offs | -3,400.0000% | 6,153 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5079% | 4,463 |
| Assets per employee ($millions) | 3.7931% | 4,439 |
| Cash dividends to net income (ytd only)* | 21.0084% | 2,311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4626% | 4,326 |
| Loan loss allowance to noncurrent loans | 107.3409% | 2,882 |
| Noncurrent assets plus other real estate owned to assets | 1.5783% | 3,489 |
| Noncurrent loans to loans | 1.3626% | 4,077 |
| Net loans and leases to total assets | 77.9127% | 599 |
| Net loans and leases to deposits | 99.5129% | 388 |
| Net loans and leases to core deposits | 105.5627% | 688 |
| Total domestic deposits to total assets | 78.2941% | 6,227 |
| Equity capital to assets | 10.9197% | 3,006 |
| Core capital (leverage) ratio | 11.1105% | 2,180 |
| Tier 1 risk-based capital ratio | 15.7011% | 3,339 |
| Total risk-based capital ratio | 16.9558% | 3,306 |
| Memoranda: | ||
| Average total assets | $55,982,500 | 6,175 |
| Average earning assets | $50,172,000 | 6,186 |
| Average equity | $6,163,000 | 6,106 |
| Average total loans | $43,955,500 | 5,465 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8178% | 619 |
| Cost of funding earning assets | 1.4390% | 882 |
| Net interest margin | 4.3788% | 1,449 |
| Noninterest income to average assets | 0.5893% | 3,228 |
| Noninterest expense to average assets | 3.0751% | 3,290 |
| Loan and lease loss provision to assets | 0.2754% | 3,464 |
| Net operating income to assets | 0.8518% | 2,813 |
| Return on assets (ROA) | 0.8518% | 2,965 |
| Pretax return on assets | 1.1437% | 2,681 |
| Return on Equity (ROE) | 7.8898% | 2,967 |
| Retained earnings to average equity (ytd only) | 5.7643% | 2,142 |
| Net charge-offs to loans | 0.0791% | 5,532 |
| Credit loss provision to net charge-offs | 454.5455% | 496 |
| Earnings coverage of net charge-offs (x) | 23.4242% | 1,026 |
| Efficiency ratio | 68.4232% | 4,272 |
| Assets per employee ($millions) | 3.4418% | 5,152 |
| Cash dividends to net income (ytd only)* | 26.9397% | 3,237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4514% | 4,228 |
| Loan loss allowance to noncurrent loans | 83.4003% | 3,552 |
| Noncurrent assets plus other real estate owned to assets | 1.6398% | 3,500 |
| Noncurrent loans to loans | 1.7403% | 3,552 |
| Net loans and leases to total assets | 76.8141% | 847 |
| Net loans and leases to deposits | 98.7741% | 516 |
| Net loans and leases to core deposits | 105.0358% | 840 |
| Total domestic deposits to total assets | 77.7675% | 6,236 |
| Equity capital to assets | 11.1008% | 2,891 |
| Core capital (leverage) ratio | 11.2366% | 2,096 |
| Tier 1 risk-based capital ratio | 15.5152% | 3,314 |
| Total risk-based capital ratio | 16.7690% | 3,260 |
| Memoranda: | ||
| Average total assets | $54,470,000 | 6,214 |
| Average earning assets | $48,574,800 | 6,239 |
| Average equity | $5,881,000 | 6,189 |
| Average total loans | $41,710,800 | 5,608 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8547% | 616 |
| Cost of funding earning assets | 1.4616% | 984 |
| Net interest margin | 4.3931% | 1,427 |
| Noninterest income to average assets | 0.5547% | 3,479 |
| Noninterest expense to average assets | 3.0927% | 3,188 |
| Loan and lease loss provision to assets | 0.2847% | 3,244 |
| Net operating income to assets | 0.7928% | 3,198 |
| Return on assets (ROA) | 0.7928% | 3,362 |
| Pretax return on assets | 1.0947% | 3,039 |
| Return on Equity (ROE) | 7.3958% | 3,335 |
| Retained earnings to average equity (ytd only) | 4.5336% | 3,491 |
| Net charge-offs to loans | 0.0708% | 5,251 |
| Credit loss provision to net charge-offs | 527.2727% | 525 |
| Earnings coverage of net charge-offs (x) | 25.5476% | 1,043 |
| Efficiency ratio | 69.1548% | 4,102 |
| Assets per employee ($millions) | 3.4478% | 5,123 |
| Cash dividends to net income (ytd only)* | 38.6987% | 2,085 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4235% | 4,450 |
| Loan loss allowance to noncurrent loans | 416.6667% | 766 |
| Noncurrent assets plus other real estate owned to assets | 0.5438% | 5,748 |
| Noncurrent loans to loans | 0.3416% | 6,166 |
| Net loans and leases to total assets | 75.3177% | 1,092 |
| Net loans and leases to deposits | 96.7674% | 656 |
| Net loans and leases to core deposits | 105.1288% | 911 |
| Total domestic deposits to total assets | 77.8338% | 6,219 |
| Equity capital to assets | 10.8366% | 3,309 |
| Core capital (leverage) ratio | 10.9310% | 2,447 |
| Tier 1 risk-based capital ratio | 15.1901% | 3,554 |
| Total risk-based capital ratio | 16.4419% | 3,517 |
| Memoranda: | ||
| Average total assets | $54,320,500 | 6,271 |
| Average earning assets | $48,438,500 | 6,298 |
| Average equity | $5,823,000 | 6,246 |
| Average total loans | $41,407,750 | 5,669 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8260% | 681 |
| Cost of funding earning assets | 1.4991% | 1,013 |
| Net interest margin | 4.3269% | 1,576 |
| Noninterest income to average assets | 0.4996% | 3,856 |
| Noninterest expense to average assets | 3.1607% | 3,045 |
| Loan and lease loss provision to assets | 0.3072% | 2,957 |
| Net operating income to assets | 0.5996% | 4,065 |
| Return on assets (ROA) | 0.5996% | 4,205 |
| Pretax return on assets | 0.8882% | 3,664 |
| Return on Equity (ROE) | 5.6140% | 4,149 |
| Retained earnings to average equity (ytd only) | 1.2822% | 5,336 |
| Net charge-offs to loans | 0.1409% | 4,352 |
| Credit loss provision to net charge-offs | 286.2069% | 1,064 |
| Earnings coverage of net charge-offs (x) | 11.1379% | 1,740 |
| Efficiency ratio | 72.5573% | 3,622 |
| Assets per employee ($millions) | 3.4193% | 5,151 |
| Cash dividends to net income (ytd only)* | 77.1605% | 857 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2973% | 5,074 |
| Loan loss allowance to noncurrent loans | 177.7778% | 1,698 |
| Noncurrent assets plus other real estate owned to assets | 0.8609% | 5,152 |
| Noncurrent loans to loans | 0.7298% | 5,452 |
| Net loans and leases to total assets | 77.8757% | 796 |
| Net loans and leases to deposits | 102.3249% | 379 |
| Net loans and leases to core deposits | 112.0948% | 647 |
| Total domestic deposits to total assets | 76.1063% | 6,585 |
| Equity capital to assets | 10.5942% | 3,384 |
| Core capital (leverage) ratio | 10.7827% | 2,439 |
| Tier 1 risk-based capital ratio | 14.1260% | 4,079 |
| Total risk-based capital ratio | 15.3784% | 4,049 |
| Memoranda: | ||
| Average total assets | $54,039,000 | 6,330 |
| Average earning assets | $48,163,670 | 6,363 |
| Average equity | $5,771,330 | 6,299 |
| Average total loans | $41,160,670 | 5,750 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7787% | 769 |
| Cost of funding earning assets | 1.5912% | 845 |
| Net interest margin | 4.1874% | 1,937 |
| Noninterest income to average assets | 0.3873% | 4,818 |
| Noninterest expense to average assets | 3.2176% | 2,830 |
| Loan and lease loss provision to assets | 0.2532% | 3,127 |
| Net operating income to assets | 0.4320% | 4,793 |
| Return on assets (ROA) | 0.4320% | 4,878 |
| Pretax return on assets | 0.6405% | 4,533 |
| Return on Equity (ROE) | 4.0285% | 4,885 |
| Retained earnings to average equity (ytd only) | 4.0285% | 3,750 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2609% | 2,805 |
| Assets per employee ($millions) | 3.3508% | 5,357 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3597% | 4,856 |
| Loan loss allowance to noncurrent loans | 144.7721% | 2,050 |
| Noncurrent assets plus other real estate owned to assets | 1.3616% | 4,251 |
| Noncurrent loans to loans | 0.9392% | 5,158 |
| Net loans and leases to total assets | 73.0695% | 1,504 |
| Net loans and leases to deposits | 92.5093% | 975 |
| Net loans and leases to core deposits | 100.1278% | 1,328 |
| Total domestic deposits to total assets | 78.9860% | 6,192 |
| Equity capital to assets | 10.7905% | 2,889 |
| Core capital (leverage) ratio | 10.9060% | 2,261 |
| Tier 1 risk-based capital ratio | 14.8802% | 3,489 |
| Total risk-based capital ratio | 16.1230% | 3,456 |
| Memoranda: | ||
| Average total assets | $53,704,000 | 6,382 |
| Average earning assets | $47,762,000 | 6,422 |
| Average equity | $5,759,000 | 6,320 |
| Average total loans | $40,158,500 | 5,845 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8999% | 1,046 |
| Cost of funding earning assets | 2.0366% | 528 |
| Net interest margin | 3.8633% | 3,671 |
| Noninterest income to average assets | 0.5758% | 3,618 |
| Noninterest expense to average assets | 3.1336% | 3,333 |
| Loan and lease loss provision to assets | 0.2118% | 5,135 |
| Net operating income to assets | 0.4402% | 4,362 |
| Return on assets (ROA) | 0.4402% | 4,524 |
| Pretax return on assets | 0.6483% | 4,173 |
| Return on Equity (ROE) | 4.1708% | 4,446 |
| Retained earnings to average equity (ytd only) | 1.0911% | 5,004 |
| Net charge-offs to loans | 0.3736% | 4,168 |
| Credit loss provision to net charge-offs | 75.4967% | 5,715 |
| Earnings coverage of net charge-offs (x) | 3.0662% | 3,539 |
| Efficiency ratio | 78.4651% | 2,625 |
| Assets per employee ($millions) | 3.3623% | 5,267 |
| Cash dividends to net income (ytd only)* | 73.8397% | 1,060 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2462% | 5,296 |
| Loan loss allowance to noncurrent loans | 97.4952% | 2,949 |
| Noncurrent assets plus other real estate owned to assets | 1.6284% | 3,867 |
| Noncurrent loans to loans | 1.2782% | 4,579 |
| Net loans and leases to total assets | 74.5353% | 1,565 |
| Net loans and leases to deposits | 94.3437% | 1,028 |
| Net loans and leases to core deposits | 102.0981% | 1,444 |
| Total domestic deposits to total assets | 79.0040% | 6,078 |
| Equity capital to assets | 10.6569% | 3,014 |
| Core capital (leverage) ratio | 10.6390% | 2,427 |
| Tier 1 risk-based capital ratio | 14.2694% | 3,698 |
| Total risk-based capital ratio | 15.5030% | 3,665 |
| Memoranda: | ||
| Average total assets | $53,835,600 | 6,408 |
| Average earning assets | $47,628,000 | 6,448 |
| Average equity | $5,682,400 | 6,459 |
| Average total loans | $40,416,000 | 5,906 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8931% | 1,152 |
| Cost of funding earning assets | 2.0907% | 555 |
| Net interest margin | 3.8024% | 3,964 |
| Noninterest income to average assets | 0.5225% | 4,010 |
| Noninterest expense to average assets | 3.1819% | 2,993 |
| Loan and lease loss provision to assets | 0.2129% | 4,932 |
| Net operating income to assets | 0.3318% | 5,040 |
| Return on assets (ROA) | 0.3318% | 5,210 |
| Pretax return on assets | 0.4828% | 4,986 |
| Return on Equity (ROE) | 3.1511% | 5,163 |
| Retained earnings to average equity (ytd only) | -0.9642% | 6,010 |
| Net charge-offs to loans | 0.4690% | 3,403 |
| Credit loss provision to net charge-offs | 60.5634% | 5,673 |
| Earnings coverage of net charge-offs (x) | 1.9789% | 4,231 |
| Efficiency ratio | 82.0562% | 2,054 |
| Assets per employee ($millions) | 3.3835% | 5,250 |
| Cash dividends to net income (ytd only)* | 130.6000% | 176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1945% | 5,520 |
| Loan loss allowance to noncurrent loans | 73.4540% | 3,639 |
| Noncurrent assets plus other real estate owned to assets | 1.4390% | 4,296 |
| Noncurrent loans to loans | 1.6262% | 4,210 |
| Net loans and leases to total assets | 74.4126% | 1,711 |
| Net loans and leases to deposits | 93.7513% | 1,232 |
| Net loans and leases to core deposits | 99.3244% | 1,911 |
| Total domestic deposits to total assets | 79.3723% | 5,907 |
| Equity capital to assets | 10.4330% | 3,595 |
| Core capital (leverage) ratio | 10.4837% | 2,708 |
| Tier 1 risk-based capital ratio | 14.2662% | 3,654 |
| Total risk-based capital ratio | 15.4968% | 3,627 |
| Memoranda: | ||
| Average total assets | $53,845,500 | 6,482 |
| Average earning assets | $47,512,000 | 6,530 |
| Average equity | $5,669,750 | 6,547 |
| Average total loans | $40,369,250 | 5,988 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8753% | 1,245 |
| Cost of funding earning assets | 2.1122% | 632 |
| Net interest margin | 3.7630% | 4,076 |
| Noninterest income to average assets | 0.5023% | 4,099 |
| Noninterest expense to average assets | 3.1889% | 2,943 |
| Loan and lease loss provision to assets | 0.2121% | 4,762 |
| Net operating income to assets | 0.2828% | 5,253 |
| Return on assets (ROA) | 0.2828% | 5,403 |
| Pretax return on assets | 0.4093% | 5,195 |
| Return on Equity (ROE) | 2.6775% | 5,387 |
| Retained earnings to average equity (ytd only) | -3.4878% | 6,365 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.6914% | 1,957 |
| Assets per employee ($millions) | 3.3838% | 5,233 |
| Cash dividends to net income (ytd only)* | 230.2632% | 90 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4546% | 4,156 |
| Loan loss allowance to noncurrent loans | 138.8889% | 1,997 |
| Noncurrent assets plus other real estate owned to assets | 1.0122% | 5,119 |
| Noncurrent loans to loans | 1.0473% | 5,215 |
| Net loans and leases to total assets | 75.0799% | 1,674 |
| Net loans and leases to deposits | 95.7529% | 1,073 |
| Net loans and leases to core deposits | 102.2642% | 1,802 |
| Total domestic deposits to total assets | 78.4101% | 6,175 |
| Equity capital to assets | 10.3415% | 3,590 |
| Core capital (leverage) ratio | 10.6563% | 2,493 |
| Tier 1 risk-based capital ratio | 13.9144% | 3,787 |
| Total risk-based capital ratio | 15.1692% | 3,749 |
| Memoranda: | ||
| Average total assets | $53,748,670 | 6,529 |
| Average earning assets | $47,249,000 | 6,583 |
| Average equity | $5,677,000 | 6,568 |
| Average total loans | $40,235,330 | 6,038 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7374% | 1,647 |
| Cost of funding earning assets | 2.1306% | 737 |
| Net interest margin | 3.6069% | 4,698 |
| Noninterest income to average assets | 0.3959% | 4,947 |
| Noninterest expense to average assets | 3.2043% | 2,846 |
| Loan and lease loss provision to assets | 0.2166% | 4,338 |
| Net operating income to assets | 0.1344% | 5,907 |
| Return on assets (ROA) | 0.1344% | 6,031 |
| Pretax return on assets | 0.1867% | 5,916 |
| Return on Equity (ROE) | 1.2596% | 6,045 |
| Retained earnings to average equity (ytd only) | 1.2596% | 5,310 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.8199% | 1,518 |
| Assets per employee ($millions) | 3.3959% | 5,306 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4638% | 4,111 |
| Loan loss allowance to noncurrent loans | 450.3937% | 708 |
| Noncurrent assets plus other real estate owned to assets | 0.4472% | 6,348 |
| Noncurrent loans to loans | 0.3250% | 6,651 |
| Net loans and leases to total assets | 70.8659% | 2,728 |
| Net loans and leases to deposits | 89.3097% | 2,013 |
| Net loans and leases to core deposits | 100.3178% | 2,097 |
| Total domestic deposits to total assets | 79.3485% | 6,000 |
| Equity capital to assets | 10.5310% | 3,217 |
| Core capital (leverage) ratio | 10.6639% | 2,479 |
| Tier 1 risk-based capital ratio | 15.1852% | 3,018 |
| Total risk-based capital ratio | 16.4390% | 2,980 |
| Memoranda: | ||
| Average total assets | $53,552,500 | 6,619 |
| Average earning assets | $47,687,000 | 6,639 |
| Average equity | $5,716,000 | 6,611 |
| Average total loans | $39,728,500 | 6,133 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5133% | 651 |
| Cost of funding earning assets | 2.6518% | 668 |
| Net interest margin | 3.8615% | 3,432 |
| Noninterest income to average assets | 0.6037% | 3,604 |
| Noninterest expense to average assets | 3.2540% | 3,181 |
| Loan and lease loss provision to assets | 0.2510% | 5,391 |
| Net operating income to assets | 0.3488% | 4,326 |
| Return on assets (ROA) | 0.3488% | 4,422 |
| Pretax return on assets | 0.5059% | 4,167 |
| Return on Equity (ROE) | 3.3037% | 4,378 |
| Retained earnings to average equity (ytd only) | 3.3037% | 2,856 |
| Net charge-offs to loans | 0.0898% | 6,226 |
| Credit loss provision to net charge-offs | 344.7368% | 944 |
| Earnings coverage of net charge-offs (x) | 10.3947% | 1,694 |
| Efficiency ratio | 81.1276% | 2,728 |
| Assets per employee ($millions) | 3.2981% | 5,494 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3447% | 4,513 |
| Loan loss allowance to noncurrent loans | 374.4828% | 883 |
| Noncurrent assets plus other real estate owned to assets | 0.4946% | 6,213 |
| Noncurrent loans to loans | 0.3591% | 6,557 |
| Net loans and leases to total assets | 75.4918% | 1,923 |
| Net loans and leases to deposits | 96.0321% | 1,324 |
| Net loans and leases to core deposits | 149.6338% | 518 |
| Total domestic deposits to total assets | 78.6110% | 6,088 |
| Equity capital to assets | 10.8205% | 2,850 |
| Core capital (leverage) ratio | 10.7857% | 2,357 |
| Tier 1 risk-based capital ratio | 14.4759% | 3,225 |
| Total risk-based capital ratio | 15.7282% | 3,174 |
| Memoranda: | ||
| Average total assets | $52,182,000 | 6,630 |
| Average earning assets | $46,044,200 | 6,681 |
| Average equity | $5,509,000 | 6,765 |
| Average total loans | $42,301,200 | 6,004 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5727% | 650 |
| Cost of funding earning assets | 2.7745% | 641 |
| Net interest margin | 3.7982% | 3,665 |
| Noninterest income to average assets | 0.5996% | 3,708 |
| Noninterest expense to average assets | 3.2670% | 3,046 |
| Loan and lease loss provision to assets | 0.2460% | 4,990 |
| Net operating income to assets | 0.3024% | 4,782 |
| Return on assets (ROA) | 0.3024% | 4,887 |
| Pretax return on assets | 0.4330% | 4,705 |
| Return on Equity (ROE) | 2.8822% | 4,843 |
| Retained earnings to average equity (ytd only) | 2.8822% | 3,715 |
| Net charge-offs to loans | 0.1278% | 5,421 |
| Credit loss provision to net charge-offs | 234.1463% | 1,868 |
| Earnings coverage of net charge-offs (x) | 6.4628% | 2,602 |
| Efficiency ratio | 82.7922% | 2,458 |
| Assets per employee ($millions) | 3.2928% | 5,421 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1288% | 5,545 |
| Loan loss allowance to noncurrent loans | 106.7653% | 2,615 |
| Noncurrent assets plus other real estate owned to assets | 1.1180% | 4,844 |
| Noncurrent loans to loans | 1.0572% | 5,204 |
| Net loans and leases to total assets | 83.9610% | 545 |
| Net loans and leases to deposits | 106.7629% | 619 |
| Net loans and leases to core deposits | 175.1217% | 221 |
| Total domestic deposits to total assets | 78.6425% | 5,917 |
| Equity capital to assets | 10.7281% | 3,265 |
| Core capital (leverage) ratio | 10.6094% | 2,703 |
| Tier 1 risk-based capital ratio | 13.1345% | 4,099 |
| Total risk-based capital ratio | 14.3141% | 4,081 |
| Memoranda: | ||
| Average total assets | $52,035,000 | 6,684 |
| Average earning assets | $45,845,000 | 6,745 |
| Average equity | $5,458,750 | 6,858 |
| Average total loans | $42,781,500 | 6,030 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5772% | 689 |
| Cost of funding earning assets | 2.8075% | 775 |
| Net interest margin | 3.7697% | 3,678 |
| Noninterest income to average assets | 0.6446% | 3,383 |
| Noninterest expense to average assets | 3.3887% | 2,664 |
| Loan and lease loss provision to assets | 0.2393% | 4,675 |
| Net operating income to assets | 0.2354% | 5,142 |
| Return on assets (ROA) | 0.2354% | 5,227 |
| Pretax return on assets | 0.3281% | 5,137 |
| Return on Equity (ROE) | 2.2616% | 5,192 |
| Retained earnings to average equity (ytd only) | 2.2616% | 4,078 |
| Net charge-offs to loans | 0.2136% | 4,174 |
| Credit loss provision to net charge-offs | 137.7778% | 3,392 |
| Earnings coverage of net charge-offs (x) | 3.2667% | 3,510 |
| Efficiency ratio | 85.6585% | 2,261 |
| Assets per employee ($millions) | 3.3323% | 5,232 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1139% | 5,501 |
| Loan loss allowance to noncurrent loans | 317.6871% | 990 |
| Noncurrent assets plus other real estate owned to assets | 0.4933% | 6,208 |
| Noncurrent loans to loans | 0.3506% | 6,635 |
| Net loans and leases to total assets | 77.7590% | 1,806 |
| Net loans and leases to deposits | 103.4381% | 951 |
| Net loans and leases to core deposits | 179.5418% | 223 |
| Total domestic deposits to total assets | 75.1744% | 6,729 |
| Equity capital to assets | 10.4959% | 3,405 |
| Core capital (leverage) ratio | 10.7420% | 2,616 |
| Tier 1 risk-based capital ratio | 13.6621% | 3,717 |
| Total risk-based capital ratio | 14.8086% | 3,715 |
| Memoranda: | ||
| Average total assets | $51,818,670 | 6,755 |
| Average earning assets | $45,521,000 | 6,818 |
| Average equity | $5,394,330 | 6,928 |
| Average total loans | $42,129,000 | 6,107 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5983% | 708 |
| Cost of funding earning assets | 2.8381% | 898 |
| Net interest margin | 3.7602% | 3,615 |
| Noninterest income to average assets | 0.6031% | 3,523 |
| Noninterest expense to average assets | 3.3523% | 2,489 |
| Loan and lease loss provision to assets | 0.2115% | 4,332 |
| Net operating income to assets | 0.2428% | 5,513 |
| Return on assets (ROA) | 0.2428% | 5,679 |
| Pretax return on assets | 0.3290% | 5,593 |
| Return on Equity (ROE) | 2.3425% | 5,644 |
| Retained earnings to average equity (ytd only) | 2.3425% | 4,572 |
| Net charge-offs to loans | 0.1800% | 3,560 |
| Credit loss provision to net charge-offs | 142.1053% | 2,881 |
| Earnings coverage of net charge-offs (x) | 3.6316% | 3,115 |
| Efficiency ratio | 86.1167% | 2,052 |
| Assets per employee ($millions) | 3.0149% | 6,112 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0693% | 5,692 |
| Loan loss allowance to noncurrent loans | 53.7559% | 4,973 |
| Noncurrent assets plus other real estate owned to assets | 2.6495% | 2,166 |
| Noncurrent loans to loans | 1.9892% | 3,274 |
| Net loans and leases to total assets | 82.6745% | 901 |
| Net loans and leases to deposits | 112.7868% | 489 |
| Net loans and leases to core deposits | 193.8870% | 163 |
| Total domestic deposits to total assets | 73.3016% | 7,005 |
| Equity capital to assets | 10.8343% | 3,137 |
| Core capital (leverage) ratio | 10.9017% | 2,583 |
| Tier 1 risk-based capital ratio | 13.3689% | 3,944 |
| Total risk-based capital ratio | 14.4751% | 3,960 |
| Memoranda: | ||
| Average total assets | $51,070,000 | 6,816 |
| Average earning assets | $44,678,000 | 6,891 |
| Average equity | $5,293,500 | 7,012 |
| Average total loans | $42,231,000 | 6,128 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9677% | 1,211 |
| Cost of funding earning assets | 3.6575% | 309 |
| Net interest margin | 3.3102% | 6,002 |
| Noninterest income to average assets | 0.4850% | 4,747 |
| Noninterest expense to average assets | 2.9904% | 4,107 |
| Loan and lease loss provision to assets | 0.4775% | 2,916 |
| Net operating income to assets | -0.0300% | 6,412 |
| Return on assets (ROA) | -0.0300% | 6,266 |
| Pretax return on assets | -0.0562% | 6,217 |
| Return on Equity (ROE) | -0.3291% | 6,275 |
| Retained earnings to average equity (ytd only) | -0.3291% | 5,387 |
| Net charge-offs to loans | 0.4836% | 2,424 |
| Credit loss provision to net charge-offs | 120.2830% | 4,466 |
| Earnings coverage of net charge-offs (x) | 1.0613% | 5,600 |
| Efficiency ratio | 87.6509% | 1,706 |
| Assets per employee ($millions) | 2.9933% | 6,064 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0810% | 5,410 |
| Loan loss allowance to noncurrent loans | 86.3724% | 3,902 |
| Noncurrent assets plus other real estate owned to assets | 2.1813% | 2,244 |
| Noncurrent loans to loans | 1.2515% | 4,013 |
| Net loans and leases to total assets | 80.9260% | 1,461 |
| Net loans and leases to deposits | 109.8837% | 842 |
| Net loans and leases to core deposits | 179.7782% | 289 |
| Total domestic deposits to total assets | 73.6470% | 6,708 |
| Equity capital to assets | 9.8927% | 4,167 |
| Core capital (leverage) ratio | 9.4711% | 4,048 |
| Tier 1 risk-based capital ratio | 12.0573% | 4,776 |
| Total risk-based capital ratio | 13.1414% | 4,810 |
| Memoranda: | ||
| Average total assets | $53,404,600 | 6,644 |
| Average earning assets | $47,218,200 | 6,705 |
| Average equity | $4,861,400 | 7,192 |
| Average total loans | $43,837,000 | 5,991 |