Home > TrustAtlantic Bank > Performance and Condition Ratios

TrustAtlantic Bank, Performance and Condition Ratios

2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3092%2,193
Cost of funding earning assets0.7119%786
Net interest margin3.5973%3,171
Noninterest income to average assets0.1529%5,722
Noninterest expense to average assets2.0286%5,425
Loan and lease loss provision to assets0.0000%4,232
Net operating income to assets0.9832%2,560
Return on assets (ROA)0.9838%2,636
Pretax return on assets1.5392%1,576
Return on Equity (ROE)8.3428%2,911
Retained earnings to average equity (ytd only)4.9725%2,938
Net charge-offs to loans0.5314%439
Credit loss provision to net charge-offs0.0000%3,517
Earnings coverage of net charge-offs (x)3.9873%3,422
Efficiency ratio56.7192%5,256
Assets per employee ($millions)8.0980%518
Cash dividends to net income (ytd only)*40.3978%2,288
Condition Ratios (%)
Loss allowance to loans1.5565%1,943
Loan loss allowance to noncurrent loans186.2304%2,397
Noncurrent assets plus other real estate owned to assets0.9864%2,385
Noncurrent loans to loans0.8358%2,881
Net loans and leases to total assets72.4651%1,988
Net loans and leases to deposits83.9147%2,418
Net loans and leases to core deposits106.5814%1,057
Total domestic deposits to total assets86.3556%2,357
Equity capital to assets12.9694%1,462
Core capital (leverage) ratio11.4600%2,066
Tier 1 risk-based capital ratio14.1492%3,764
Total risk-based capital ratio15.4039%3,691
Memoranda:
Average total assets$436,142,0001,539
Average earning assets$413,926,2501,503
Average equity$51,428,0001,448
Average total loans$316,634,0001,403
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2793%2,244
Cost of funding earning assets0.7018%837
Net interest margin3.5775%3,177
Noninterest income to average assets0.1214%5,938
Noninterest expense to average assets2.0069%5,519
Loan and lease loss provision to assets0.0000%4,069
Net operating income to assets0.9656%2,560
Return on assets (ROA)0.9656%2,666
Pretax return on assets1.5138%1,608
Return on Equity (ROE)8.4439%2,826
Retained earnings to average equity (ytd only)5.3107%2,664
Net charge-offs to loans0.4789%529
Credit loss provision to net charge-offs0.0000%3,158
Earnings coverage of net charge-offs (x)4.3726%3,048
Efficiency ratio56.8503%5,354
Assets per employee ($millions)8.0955%506
Cash dividends to net income (ytd only)*37.1058%2,532
Condition Ratios (%)
Loss allowance to loans1.6188%1,852
Loan loss allowance to noncurrent loans258.4677%1,820
Noncurrent assets plus other real estate owned to assets0.8269%2,906
Noncurrent loans to loans0.6263%3,593
Net loans and leases to total assets72.6373%1,875
Net loans and leases to deposits83.0924%2,427
Net loans and leases to core deposits106.3316%1,054
Total domestic deposits to total assets87.4176%1,949
Equity capital to assets12.0422%1,992
Core capital (leverage) ratio10.8298%2,582
Tier 1 risk-based capital ratio13.1126%4,452
Total risk-based capital ratio14.3807%4,354
Memoranda:
Average total assets$446,556,0001,521
Average earning assets$424,320,0001,484
Average equity$51,066,3301,464
Average total loans$322,828,6701,390
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1683%2,572
Cost of funding earning assets0.6926%881
Net interest margin3.4757%3,525
Noninterest income to average assets0.1388%5,916
Noninterest expense to average assets1.9468%5,672
Loan and lease loss provision to assets0.0000%3,703
Net operating income to assets0.9532%2,490
Return on assets (ROA)0.9532%2,625
Pretax return on assets1.4988%1,571
Return on Equity (ROE)8.5491%2,678
Retained earnings to average equity (ytd only)2.2456%4,560
Net charge-offs to loans-0.0086%4,660
Credit loss provision to net charge-offs0.0000%2,491
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio56.3488%5,490
Assets per employee ($millions)8.6781%405
Cash dividends to net income (ytd only)*73.7327%1,095
Condition Ratios (%)
Loss allowance to loans1.8280%1,436
Loan loss allowance to noncurrent loans93.7778%3,833
Noncurrent assets plus other real estate owned to assets1.7237%1,445
Noncurrent loans to loans1.9493%1,365
Net loans and leases to total assets71.6882%1,860
Net loans and leases to deposits81.6489%2,381
Net loans and leases to core deposits102.6640%1,135
Total domestic deposits to total assets87.8005%1,933
Equity capital to assets11.5347%2,436
Core capital (leverage) ratio10.3558%3,155
Tier 1 risk-based capital ratio12.5508%4,874
Total risk-based capital ratio13.8366%4,765
Memoranda:
Average total assets$455,304,5001,496
Average earning assets$433,173,5001,450
Average equity$50,765,5001,481
Average total loans$325,850,5001,374
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4473%2,082
Cost of funding earning assets0.6887%1,159
Net interest margin3.7586%2,776
Noninterest income to average assets0.1400%6,000
Noninterest expense to average assets2.1084%5,554
Loan and lease loss provision to assets0.0000%4,603
Net operating income to assets0.9941%2,414
Return on assets (ROA)1.0039%2,443
Pretax return on assets1.6051%1,221
Return on Equity (ROE)9.2902%2,445
Retained earnings to average equity (ytd only)7.3729%1,242
Net charge-offs to loans0.1014%3,057
Credit loss provision to net charge-offs0.0000%4,203
Earnings coverage of net charge-offs (x)21.7064%1,663
Efficiency ratio56.8409%5,585
Assets per employee ($millions)8.8306%373
Cash dividends to net income (ytd only)*20.6381%3,789
Condition Ratios (%)
Loss allowance to loans1.7963%1,547
Loan loss allowance to noncurrent loans141.7147%2,933
Noncurrent assets plus other real estate owned to assets1.1833%2,401
Noncurrent loans to loans1.2675%2,334
Net loans and leases to total assets68.9304%2,406
Net loans and leases to deposits77.7811%2,997
Net loans and leases to core deposits96.2268%1,695
Total domestic deposits to total assets88.6211%1,459
Equity capital to assets10.7858%3,139
Core capital (leverage) ratio9.8406%3,784
Tier 1 risk-based capital ratio13.0043%4,729
Total risk-based capital ratio14.2878%4,616
Memoranda:
Average total assets$446,460,8001,483
Average earning assets$422,660,6001,449
Average equity$48,244,4001,494
Average total loans$322,326,4001,352
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4983%1,879
Cost of funding earning assets0.6825%1,242
Net interest margin3.8159%2,558
Noninterest income to average assets0.1318%6,114
Noninterest expense to average assets2.1880%5,378
Loan and lease loss provision to assets0.0000%4,401
Net operating income to assets0.9623%2,634
Return on assets (ROA)0.9737%2,644
Pretax return on assets1.5686%1,424
Return on Equity (ROE)9.0060%2,685
Retained earnings to average equity (ytd only)7.8177%1,438
Net charge-offs to loans0.0927%2,889
Credit loss provision to net charge-offs0.0000%3,801
Earnings coverage of net charge-offs (x)23.0042%1,607
Efficiency ratio58.3441%5,400
Assets per employee ($millions)7.7848%566
Cash dividends to net income (ytd only)*13.1946%3,449
Condition Ratios (%)
Loss allowance to loans1.8449%1,588
Loan loss allowance to noncurrent loans928.1298%610
Noncurrent assets plus other real estate owned to assets0.4722%4,483
Noncurrent loans to loans0.1988%5,308
Net loans and leases to total assets70.7594%2,065
Net loans and leases to deposits80.2572%2,653
Net loans and leases to core deposits100.2186%1,348
Total domestic deposits to total assets88.1657%1,682
Equity capital to assets10.9238%3,036
Core capital (leverage) ratio10.1238%3,501
Tier 1 risk-based capital ratio13.1167%4,790
Total risk-based capital ratio14.4009%4,698
Memoranda:
Average total assets$441,070,0001,519
Average earning assets$416,916,0001,481
Average equity$47,685,5001,517
Average total loans$320,780,0001,369
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5026%1,819
Cost of funding earning assets0.6731%1,353
Net interest margin3.8295%2,449
Noninterest income to average assets0.1165%6,215
Noninterest expense to average assets2.2098%5,391
Loan and lease loss provision to assets0.0000%4,196
Net operating income to assets0.9612%2,501
Return on assets (ROA)0.9612%2,591
Pretax return on assets1.5211%1,474
Return on Equity (ROE)8.9224%2,632
Retained earnings to average equity (ytd only)7.1193%1,707
Net charge-offs to loans0.1441%2,233
Credit loss provision to net charge-offs0.0000%3,401
Earnings coverage of net charge-offs (x)14.4696%1,910
Efficiency ratio59.0469%5,422
Assets per employee ($millions)7.5510%607
Cash dividends to net income (ytd only)*20.2092%3,158
Condition Ratios (%)
Loss allowance to loans1.8521%1,696
Loan loss allowance to noncurrent loans972.1232%531
Noncurrent assets plus other real estate owned to assets0.7035%3,871
Noncurrent loans to loans0.1905%5,440
Net loans and leases to total assets71.3458%1,854
Net loans and leases to deposits80.9996%2,384
Net loans and leases to core deposits101.7693%1,151
Total domestic deposits to total assets88.0817%1,859
Equity capital to assets10.8559%3,023
Core capital (leverage) ratio9.9687%3,660
Tier 1 risk-based capital ratio12.8819%4,990
Total risk-based capital ratio14.1724%4,901
Memoranda:
Average total assets$437,587,0001,530
Average earning assets$413,004,3301,490
Average equity$47,139,6701,522
Average total loans$319,207,6701,366
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5187%1,752
Cost of funding earning assets0.6432%1,628
Net interest margin3.8756%2,173
Noninterest income to average assets0.2177%5,614
Noninterest expense to average assets2.2139%5,427
Loan and lease loss provision to assets0.0000%3,817
Net operating income to assets1.0442%2,028
Return on assets (ROA)1.0442%2,103
Pretax return on assets1.6558%1,064
Return on Equity (ROE)9.7319%2,140
Retained earnings to average equity (ytd only)9.7319%1,038
Net charge-offs to loans-0.0770%6,002
Credit loss provision to net charge-offs0.0000%2,688
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio57.0441%5,752
Assets per employee ($millions)6.8616%858
Cash dividends to net income (ytd only)*0.0000%2,852
Condition Ratios (%)
Loss allowance to loans1.9672%1,579
Loan loss allowance to noncurrent loans637.7282%768
Noncurrent assets plus other real estate owned to assets1.1571%2,950
Noncurrent loans to loans0.3085%5,182
Net loans and leases to total assets72.4876%1,498
Net loans and leases to deposits82.8213%1,968
Net loans and leases to core deposits104.2699%844
Total domestic deposits to total assets87.5230%2,494
Equity capital to assets10.9440%2,772
Core capital (leverage) ratio10.0822%3,452
Tier 1 risk-based capital ratio12.9917%5,007
Total risk-based capital ratio14.2862%4,914
Memoranda:
Average total assets$433,626,0001,550
Average earning assets$408,611,0001,510
Average equity$46,527,5001,539
Average total loans$316,886,5001,375
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8261%1,262
Cost of funding earning assets0.7932%1,248
Net interest margin4.0329%1,864
Noninterest income to average assets0.0890%6,426
Noninterest expense to average assets2.3710%5,158
Loan and lease loss provision to assets0.0415%4,285
Net operating income to assets0.9162%2,699
Return on assets (ROA)0.9162%2,785
Pretax return on assets1.4671%1,560
Return on Equity (ROE)8.0964%2,988
Retained earnings to average equity (ytd only)6.9858%1,439
Net charge-offs to loans0.0179%5,087
Credit loss provision to net charge-offs311.3208%735
Earnings coverage of net charge-offs (x)113.2453%421
Efficiency ratio60.7969%5,377
Assets per employee ($millions)7.1307%716
Cash dividends to net income (ytd only)*13.7174%3,919
Condition Ratios (%)
Loss allowance to loans1.9826%1,596
Loan loss allowance to noncurrent loans258.3161%1,684
Noncurrent assets plus other real estate owned to assets1.0612%3,293
Noncurrent loans to loans0.7675%4,048
Net loans and leases to total assets70.7879%1,884
Net loans and leases to deposits80.5394%2,381
Net loans and leases to core deposits101.0316%1,085
Total domestic deposits to total assets87.8923%2,238
Equity capital to assets10.5170%3,132
Core capital (leverage) ratio9.6476%4,060
Tier 1 risk-based capital ratio12.6557%5,200
Total risk-based capital ratio13.9520%5,119
Memoranda:
Average total assets$397,848,6001,660
Average earning assets$373,946,8001,615
Average equity$45,020,0001,552
Average total loans$296,297,8001,419
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8683%1,200
Cost of funding earning assets0.8228%1,199
Net interest margin4.0456%1,804
Noninterest income to average assets0.1455%6,306
Noninterest expense to average assets2.4493%4,879
Loan and lease loss provision to assets0.0566%3,920
Net operating income to assets0.9000%2,835
Return on assets (ROA)0.9000%2,950
Pretax return on assets1.4374%1,807
Return on Equity (ROE)7.7997%3,229
Retained earnings to average equity (ytd only)7.7997%1,497
Net charge-offs to loans-0.0174%6,015
Credit loss provision to net charge-offs-434.2105%6,026
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio61.7560%5,170
Assets per employee ($millions)6.6140%885
Cash dividends to net income (ytd only)*0.0000%3,738
Condition Ratios (%)
Loss allowance to loans2.0637%1,581
Loan loss allowance to noncurrent loans265.9512%1,529
Noncurrent assets plus other real estate owned to assets1.0599%3,532
Noncurrent loans to loans0.7760%4,294
Net loans and leases to total assets74.3280%1,242
Net loans and leases to deposits84.7185%1,774
Net loans and leases to core deposits106.7706%716
Total domestic deposits to total assets87.7353%2,280
Equity capital to assets11.2519%2,508
Core capital (leverage) ratio10.0393%3,625
Tier 1 risk-based capital ratio12.9651%5,150
Total risk-based capital ratio14.2249%5,090
Memoranda:
Average total assets$388,568,2501,703
Average earning assets$364,769,5001,660
Average equity$44,838,5001,577
Average total loans$291,838,7501,454
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8537%1,209
Cost of funding earning assets0.8438%1,179
Net interest margin4.0099%1,824
Noninterest income to average assets0.1585%6,258
Noninterest expense to average assets2.4311%4,963
Loan and lease loss provision to assets0.0860%3,364
Net operating income to assets0.8801%2,904
Return on assets (ROA)0.8801%3,050
Pretax return on assets1.4025%1,921
Return on Equity (ROE)7.5606%3,317
Retained earnings to average equity (ytd only)7.5606%1,645
Net charge-offs to loans-0.0474%6,247
Credit loss provision to net charge-offs-242.6471%5,768
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio61.7052%5,213
Assets per employee ($millions)6.6436%852
Cash dividends to net income (ytd only)*0.0000%3,522
Condition Ratios (%)
Loss allowance to loans2.1612%1,507
Loan loss allowance to noncurrent loans256.2147%1,610
Noncurrent assets plus other real estate owned to assets1.1282%3,483
Noncurrent loans to loans0.8435%4,231
Net loans and leases to total assets69.7803%1,923
Net loans and leases to deposits79.2605%2,427
Net loans and leases to core deposits100.0459%1,076
Total domestic deposits to total assets88.0392%2,217
Equity capital to assets10.8418%2,906
Core capital (leverage) ratio10.1001%3,370
Tier 1 risk-based capital ratio12.9959%5,146
Total risk-based capital ratio14.2569%5,079
Memoranda:
Average total assets$383,607,0001,727
Average earning assets$359,808,6701,683
Average equity$44,652,6701,590
Average total loans$287,052,6701,473
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9456%982
Cost of funding earning assets0.8853%1,055
Net interest margin4.0603%1,587
Noninterest income to average assets0.1559%6,328
Noninterest expense to average assets2.4555%4,932
Loan and lease loss provision to assets0.1786%2,078
Net operating income to assets0.8337%2,990
Return on assets (ROA)0.8337%3,132
Pretax return on assets1.3252%2,139
Return on Equity (ROE)6.8981%3,547
Retained earnings to average equity (ytd only)6.8981%2,203
Net charge-offs to loans-0.0226%5,772
Credit loss provision to net charge-offs-1,031.2500%5,637
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio61.7446%5,337
Assets per employee ($millions)6.7125%888
Cash dividends to net income (ytd only)*0.0000%2,673
Condition Ratios (%)
Loss allowance to loans2.2116%1,562
Loan loss allowance to noncurrent loans228.1522%1,684
Noncurrent assets plus other real estate owned to assets1.3416%3,276
Noncurrent loans to loans0.9693%4,194
Net loans and leases to total assets75.4182%910
Net loans and leases to deposits87.0743%1,239
Net loans and leases to core deposits114.0295%388
Total domestic deposits to total assets86.6136%3,174
Equity capital to assets12.1729%1,925
Core capital (leverage) ratio10.5731%2,682
Tier 1 risk-based capital ratio13.3000%5,014
Total risk-based capital ratio14.5619%4,958
Memoranda:
Average total assets$369,458,5001,784
Average earning assets$346,082,5001,753
Average equity$44,650,0001,602
Average total loans$283,690,5001,494
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0232%1,496
Cost of funding earning assets1.0627%1,061
Net interest margin3.9605%2,565
Noninterest income to average assets0.0734%6,609
Noninterest expense to average assets2.3874%5,442
Loan and lease loss provision to assets0.6172%882
Net operating income to assets1.4394%1,030
Return on assets (ROA)1.4400%1,151
Pretax return on assets0.7658%4,431
Return on Equity (ROE)12.5803%1,340
Retained earnings to average equity (ytd only)12.5803%282
Net charge-offs to loans0.9118%1,244
Credit loss provision to net charge-offs91.9545%3,395
Earnings coverage of net charge-offs (x)2.0597%4,383
Efficiency ratio63.0471%5,069
Assets per employee ($millions)6.8468%832
Cash dividends to net income (ytd only)*0.0000%4,298
Condition Ratios (%)
Loss allowance to loans2.1638%1,620
Loan loss allowance to noncurrent loans130.6558%2,659
Noncurrent assets plus other real estate owned to assets1.5598%3,040
Noncurrent loans to loans1.6561%3,141
Net loans and leases to total assets74.7934%1,079
Net loans and leases to deposits86.1675%1,495
Net loans and leases to core deposits113.3169%431
Total domestic deposits to total assets86.8001%2,933
Equity capital to assets11.9977%2,049
Core capital (leverage) ratio10.2786%3,038
Tier 1 risk-based capital ratio13.1010%5,035
Total risk-based capital ratio14.3621%4,975
Memoranda:
Average total assets$366,675,8001,777
Average earning assets$342,231,0001,742
Average equity$41,970,4001,661
Average total loans$269,905,6001,539
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0491%1,562
Cost of funding earning assets1.0953%1,076
Net interest margin3.9537%2,690
Noninterest income to average assets0.0765%6,707
Noninterest expense to average assets2.4293%5,309
Loan and lease loss provision to assets0.5549%1,036
Net operating income to assets1.7672%614
Return on assets (ROA)1.7672%679
Pretax return on assets0.7776%4,571
Return on Equity (ROE)15.6297%795
Retained earnings to average equity (ytd only)15.6297%205
Net charge-offs to loans0.6634%1,654
Credit loss provision to net charge-offs114.7702%2,542
Earnings coverage of net charge-offs (x)2.7558%3,932
Efficiency ratio64.2968%4,759
Assets per employee ($millions)6.7249%849
Cash dividends to net income (ytd only)*0.0000%3,713
Condition Ratios (%)
Loss allowance to loans2.3880%1,382
Loan loss allowance to noncurrent loans134.6361%2,500
Noncurrent assets plus other real estate owned to assets1.7728%2,951
Noncurrent loans to loans1.7737%3,119
Net loans and leases to total assets71.9566%1,561
Net loans and leases to deposits82.8183%2,015
Net loans and leases to core deposits108.0502%649
Total domestic deposits to total assets86.8848%2,746
Equity capital to assets11.9004%2,351
Core capital (leverage) ratio10.2115%3,269
Tier 1 risk-based capital ratio13.2652%5,044
Total risk-based capital ratio14.5288%5,000
Memoranda:
Average total assets$365,912,5001,799
Average earning assets$341,070,7501,768
Average equity$41,373,2501,697
Average total loans$266,719,7501,562
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0667%1,606
Cost of funding earning assets1.1101%1,177
Net interest margin3.9566%2,692
Noninterest income to average assets0.0461%6,871
Noninterest expense to average assets2.4559%5,277
Loan and lease loss provision to assets0.5941%1,009
Net operating income to assets2.3555%219
Return on assets (ROA)2.3555%253
Pretax return on assets0.6797%4,890
Return on Equity (ROE)21.2090%281
Retained earnings to average equity (ytd only)21.2090%83
Net charge-offs to loans0.5802%1,868
Credit loss provision to net charge-offs141.0156%1,961
Earnings coverage of net charge-offs (x)3.0234%3,538
Efficiency ratio65.5685%4,607
Assets per employee ($millions)6.8488%786
Cash dividends to net income (ytd only)*0.0000%3,523
Condition Ratios (%)
Loss allowance to loans2.4936%1,292
Loan loss allowance to noncurrent loans108.0156%2,995
Noncurrent assets plus other real estate owned to assets2.0471%2,726
Noncurrent loans to loans2.3086%2,593
Net loans and leases to total assets70.0986%1,903
Net loans and leases to deposits80.4120%2,329
Net loans and leases to core deposits106.3054%729
Total domestic deposits to total assets87.1743%2,672
Equity capital to assets11.7133%2,398
Core capital (leverage) ratio10.3289%3,014
Tier 1 risk-based capital ratio13.3263%4,949
Total risk-based capital ratio14.5910%4,897
Memoranda:
Average total assets$364,593,6701,811
Average earning assets$339,429,0001,771
Average equity$40,492,3301,725
Average total loans$264,741,0001,578
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0574%1,700
Cost of funding earning assets1.1415%1,208
Net interest margin3.9159%2,855
Noninterest income to average assets0.0796%6,826
Noninterest expense to average assets2.4764%5,229
Loan and lease loss provision to assets0.7106%731
Net operating income to assets0.5282%4,696
Return on assets (ROA)0.5282%4,908
Pretax return on assets0.5282%5,341
Return on Equity (ROE)4.8927%4,836
Retained earnings to average equity (ytd only)4.8927%3,616
Net charge-offs to loans0.7086%1,410
Credit loss provision to net charge-offs137.3932%1,791
Earnings coverage of net charge-offs (x)2.3953%3,220
Efficiency ratio66.3593%4,491
Assets per employee ($millions)6.8277%825
Cash dividends to net income (ytd only)*0.0000%2,732
Condition Ratios (%)
Loss allowance to loans2.4874%1,376
Loan loss allowance to noncurrent loans105.0672%2,937
Noncurrent assets plus other real estate owned to assets2.2920%2,596
Noncurrent loans to loans2.3674%2,736
Net loans and leases to total assets70.3100%1,707
Net loans and leases to deposits80.0913%2,192
Net loans and leases to core deposits109.3462%555
Total domestic deposits to total assets87.7873%2,474
Equity capital to assets10.8805%3,048
Core capital (leverage) ratio9.6839%3,789
Tier 1 risk-based capital ratio12.8731%5,301
Total risk-based capital ratio14.1381%5,270
Memoranda:
Average total assets$361,973,0001,828
Average earning assets$336,063,5001,795
Average equity$39,078,5001,774
Average total loans$264,172,0001,583
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2037%2,043
Cost of funding earning assets1.2041%2,001
Net interest margin3.9996%2,877
Noninterest income to average assets0.0478%6,843
Noninterest expense to average assets2.4084%5,751
Loan and lease loss provision to assets1.1947%737
Net operating income to assets0.1794%5,646
Return on assets (ROA)0.2125%5,691
Pretax return on assets0.2125%5,751
Return on Equity (ROE)2.0087%5,657
Retained earnings to average equity (ytd only)2.0087%4,783
Net charge-offs to loans1.6113%980
Credit loss provision to net charge-offs97.9029%3,670
Earnings coverage of net charge-offs (x)1.1261%4,945
Efficiency ratio63.3843%5,233
Assets per employee ($millions)6.9630%753
Cash dividends to net income (ytd only)*0.0000%4,078
Condition Ratios (%)
Loss allowance to loans2.3614%1,522
Loan loss allowance to noncurrent loans96.2066%3,139
Noncurrent assets plus other real estate owned to assets2.5550%2,375
Noncurrent loans to loans2.4545%2,678
Net loans and leases to total assets72.1142%1,629
Net loans and leases to deposits82.4549%2,137
Net loans and leases to core deposits113.9005%506
Total domestic deposits to total assets87.4590%2,493
Equity capital to assets10.7115%3,291
Core capital (leverage) ratio9.3932%4,191
Tier 1 risk-based capital ratio12.5950%5,371
Total risk-based capital ratio13.8587%5,355
Memoranda:
Average total assets$359,498,6001,803
Average earning assets$335,681,0001,766
Average equity$38,034,4001,772
Average total loans$272,267,4001,551
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2032%2,195
Cost of funding earning assets1.2050%2,288
Net interest margin3.9981%2,918
Noninterest income to average assets0.0163%7,060
Noninterest expense to average assets2.4641%5,577
Loan and lease loss provision to assets1.1314%716
Net operating income to assets0.1549%5,820
Return on assets (ROA)0.1750%5,886
Pretax return on assets0.1750%5,939
Return on Equity (ROE)1.6593%5,883
Retained earnings to average equity (ytd only)1.6593%5,308
Net charge-offs to loans1.7590%771
Credit loss provision to net charge-offs84.3958%3,989
Earnings coverage of net charge-offs (x)0.9595%4,905
Efficiency ratio65.4151%4,823
Assets per employee ($millions)7.1132%698
Cash dividends to net income (ytd only)*0.0000%3,512
Condition Ratios (%)
Loss allowance to loans2.1046%2,056
Loan loss allowance to noncurrent loans83.3191%3,442
Noncurrent assets plus other real estate owned to assets3.1637%2,021
Noncurrent loans to loans2.5259%2,744
Net loans and leases to total assets73.4921%1,413
Net loans and leases to deposits83.7589%2,038
Net loans and leases to core deposits120.3969%377
Total domestic deposits to total assets87.7424%2,200
Equity capital to assets10.3864%3,849
Core capital (leverage) ratio9.2861%4,471
Tier 1 risk-based capital ratio11.9013%5,959
Total risk-based capital ratio13.1618%5,938
Memoranda:
Average total assets$358,854,0001,815
Average earning assets$335,147,2501,780
Average equity$37,847,0001,783
Average total loans$273,478,2501,562
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2300%2,146
Cost of funding earning assets1.2088%2,516
Net interest margin4.0212%2,738
Noninterest income to average assets0.0270%7,128
Noninterest expense to average assets2.5362%5,416
Loan and lease loss provision to assets1.0699%782
Net operating income to assets0.1729%5,824
Return on assets (ROA)0.1993%5,859
Pretax return on assets0.1993%5,935
Return on Equity (ROE)1.8801%5,829
Retained earnings to average equity (ytd only)1.8801%5,039
Net charge-offs to loans1.6936%855
Credit loss provision to net charge-offs82.4653%3,698
Earnings coverage of net charge-offs (x)0.9579%4,584
Efficiency ratio66.8306%4,720
Assets per employee ($millions)7.2135%654
Cash dividends to net income (ytd only)*0.0000%3,290
Condition Ratios (%)
Loss allowance to loans2.1917%1,939
Loan loss allowance to noncurrent loans159.1042%1,867
Noncurrent assets plus other real estate owned to assets3.3889%1,948
Noncurrent loans to loans1.3775%4,347
Net loans and leases to total assets74.2774%1,363
Net loans and leases to deposits84.6989%1,992
Net loans and leases to core deposits126.8478%304
Total domestic deposits to total assets87.6958%2,343
Equity capital to assets10.5289%3,468
Core capital (leverage) ratio9.5346%3,901
Tier 1 risk-based capital ratio11.8235%5,920
Total risk-based capital ratio13.0844%5,890
Memoranda:
Average total assets$355,176,6701,844
Average earning assets$331,396,0001,803
Average equity$37,656,6701,782
Average total loans$272,077,3301,590
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2544%2,030
Cost of funding earning assets1.2120%2,734
Net interest margin4.0424%2,499
Noninterest income to average assets0.0148%7,264
Noninterest expense to average assets2.5583%5,361
Loan and lease loss provision to assets1.0499%715
Net operating income to assets0.1884%5,824
Return on assets (ROA)0.2281%5,754
Pretax return on assets0.2281%5,878
Return on Equity (ROE)2.1441%5,734
Retained earnings to average equity (ytd only)2.1441%4,855
Net charge-offs to loans1.3807%996
Credit loss provision to net charge-offs98.8248%2,765
Earnings coverage of net charge-offs (x)1.1656%3,783
Efficiency ratio67.0852%4,833
Assets per employee ($millions)7.3715%617
Cash dividends to net income (ytd only)*0.0000%2,514
Condition Ratios (%)
Loss allowance to loans2.3858%1,622
Loan loss allowance to noncurrent loans109.6144%2,647
Noncurrent assets plus other real estate owned to assets3.5327%1,930
Noncurrent loans to loans2.1765%3,346
Net loans and leases to total assets73.9598%1,351
Net loans and leases to deposits83.8162%2,059
Net loans and leases to core deposits128.6691%285
Total domestic deposits to total assets88.2405%2,234
Equity capital to assets10.6143%3,067
Core capital (leverage) ratio9.6066%3,654
Tier 1 risk-based capital ratio11.9692%5,724
Total risk-based capital ratio13.2325%5,693
Memoranda:
Average total assets$352,427,5001,872
Average earning assets$329,705,5001,817
Average equity$37,497,5001,773
Average total loans$271,164,5001,618
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2688%3,280
Cost of funding earning assets1.4131%3,182
Net interest margin3.8557%3,710
Noninterest income to average assets-0.0358%7,343
Noninterest expense to average assets2.1903%6,646
Loan and lease loss provision to assets1.1539%1,374
Net operating income to assets0.2577%5,089
Return on assets (ROA)0.1023%5,722
Pretax return on assets0.1023%5,696
Return on Equity (ROE)0.9801%5,702
Retained earnings to average equity (ytd only)0.9801%5,054
Net charge-offs to loans0.6913%2,934
Credit loss provision to net charge-offs214.7429%1,408
Earnings coverage of net charge-offs (x)2.6270%3,789
Efficiency ratio60.5041%5,968
Assets per employee ($millions)7.8005%522
Cash dividends to net income (ytd only)*0.0000%3,950
Condition Ratios (%)
Loss allowance to loans2.3363%1,637
Loan loss allowance to noncurrent loans89.9481%3,174
Noncurrent assets plus other real estate owned to assets2.7181%2,568
Noncurrent loans to loans2.5974%2,932
Net loans and leases to total assets76.3006%1,224
Net loans and leases to deposits86.4811%2,005
Net loans and leases to core deposits134.8032%272
Total domestic deposits to total assets88.2281%2,107
Equity capital to assets10.6655%3,001
Core capital (leverage) ratio9.5070%3,699
Tier 1 risk-based capital ratio11.6590%5,763
Total risk-based capital ratio12.9218%5,755
Memoranda:
Average total assets$354,699,0001,841
Average earning assets$334,651,2001,782
Average equity$37,038,4001,789
Average total loans$275,730,8001,620
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2587%3,538
Cost of funding earning assets1.4376%3,349
Net interest margin3.8212%3,878
Noninterest income to average assets-0.0559%7,503
Noninterest expense to average assets2.2814%6,385
Loan and lease loss provision to assets0.8859%1,716
Net operating income to assets0.3824%4,825
Return on assets (ROA)0.1383%5,828
Pretax return on assets0.1383%5,853
Return on Equity (ROE)1.3319%5,810
Retained earnings to average equity (ytd only)1.3319%5,276
Net charge-offs to loans0.4578%3,461
Credit loss provision to net charge-offs249.2616%1,343
Earnings coverage of net charge-offs (x)3.5686%3,394
Efficiency ratio63.9628%5,246
Assets per employee ($millions)7.6394%585
Cash dividends to net income (ytd only)*0.0000%3,526
Condition Ratios (%)
Loss allowance to loans2.0616%2,082
Loan loss allowance to noncurrent loans229.2514%1,276
Noncurrent assets plus other real estate owned to assets1.3659%4,441
Noncurrent loans to loans0.8993%5,445
Net loans and leases to total assets76.1788%1,371
Net loans and leases to deposits86.6372%2,212
Net loans and leases to core deposits136.1649%298
Total domestic deposits to total assets87.9285%2,004
Equity capital to assets10.8018%3,166
Core capital (leverage) ratio9.3507%4,133
Tier 1 risk-based capital ratio11.6280%5,810
Total risk-based capital ratio12.8874%5,777
Memoranda:
Average total assets$355,618,5001,860
Average earning assets$335,560,2501,803
Average equity$36,938,5001,810
Average total loans$276,104,0001,642
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2063%3,922
Cost of funding earning assets1.4302%3,668
Net interest margin3.7760%4,014
Noninterest income to average assets-0.0134%7,556
Noninterest expense to average assets2.2324%6,563
Loan and lease loss provision to assets0.8672%1,676
Net operating income to assets0.4543%4,532
Return on assets (ROA)0.0532%6,085
Pretax return on assets0.0532%6,065
Return on Equity (ROE)0.5191%6,078
Retained earnings to average equity (ytd only)0.5191%5,554
Net charge-offs to loans0.2123%4,339
Credit loss provision to net charge-offs526.5306%701
Earnings coverage of net charge-offs (x)8.0238%2,202
Efficiency ratio62.5158%5,611
Assets per employee ($millions)7.2850%672
Cash dividends to net income (ytd only)*0.0000%3,319
Condition Ratios (%)
Loss allowance to loans1.9889%2,215
Loan loss allowance to noncurrent loans211.4330%1,332
Noncurrent assets plus other real estate owned to assets1.6940%3,900
Noncurrent loans to loans0.9407%5,416
Net loans and leases to total assets75.5696%1,578
Net loans and leases to deposits85.5247%2,593
Net loans and leases to core deposits140.0091%288
Total domestic deposits to total assets88.3599%1,800
Equity capital to assets10.4797%3,435
Core capital (leverage) ratio9.2703%4,173
Tier 1 risk-based capital ratio11.4460%5,828
Total risk-based capital ratio12.7043%5,791
Memoranda:
Average total assets$357,020,0001,876
Average earning assets$337,284,3301,814
Average equity$36,598,3301,816
Average total loans$277,026,0001,651
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1677%4,210
Cost of funding earning assets1.4388%3,939
Net interest margin3.7289%4,103
Noninterest income to average assets-0.1378%7,773
Noninterest expense to average assets2.1420%6,833
Loan and lease loss provision to assets0.5770%2,185
Net operating income to assets0.6767%3,541
Return on assets (ROA)0.0986%6,128
Pretax return on assets0.0986%6,136
Return on Equity (ROE)0.9726%6,123
Retained earnings to average equity (ytd only)0.9726%5,427
Net charge-offs to loans0.2965%3,229
Credit loss provision to net charge-offs250.0000%1,539
Earnings coverage of net charge-offs (x)5.4320%2,400
Efficiency ratio62.7516%5,696
Assets per employee ($millions)7.7809%564
Cash dividends to net income (ytd only)*0.0000%2,528
Condition Ratios (%)
Loss allowance to loans1.6400%3,290
Loan loss allowance to noncurrent loans304.9832%984
Noncurrent assets plus other real estate owned to assets1.5213%4,219
Noncurrent loans to loans0.5377%6,215
Net loans and leases to total assets75.8901%1,565
Net loans and leases to deposits87.2857%2,359
Net loans and leases to core deposits147.0987%260
Total domestic deposits to total assets86.9444%2,660
Equity capital to assets10.1905%3,625
Core capital (leverage) ratio9.1061%4,366
Tier 1 risk-based capital ratio11.0174%6,138
Total risk-based capital ratio12.2712%6,109
Memoranda:
Average total assets$357,047,5001,921
Average earning assets$338,331,5001,846
Average equity$36,193,0001,854
Average total loans$277,923,5001,692
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1672%5,802
Cost of funding earning assets1.9678%3,111
Net interest margin3.1994%6,097
Noninterest income to average assets0.0798%7,353
Noninterest expense to average assets2.3252%6,673
Loan and lease loss provision to assets0.5899%3,435
Net operating income to assets0.2341%4,786
Return on assets (ROA)-0.1943%5,832
Pretax return on assets-0.1943%5,699
Return on Equity (ROE)-1.8840%5,841
Retained earnings to average equity (ytd only)-1.8840%5,491
Net charge-offs to loans0.3349%4,564
Credit loss provision to net charge-offs220.2009%1,712
Earnings coverage of net charge-offs (x)3.0759%3,530
Efficiency ratio73.4644%4,003
Assets per employee ($millions)8.0948%492
Cash dividends to net income (ytd only)*0.0000%4,015
Condition Ratios (%)
Loss allowance to loans1.5088%3,672
Loan loss allowance to noncurrent loans144.3228%1,980
Noncurrent assets plus other real estate owned to assets1.5815%4,007
Noncurrent loans to loans1.0454%5,227
Net loans and leases to total assets77.3418%1,513
Net loans and leases to deposits89.3174%2,333
Net loans and leases to core deposits106.3242%3,298
Total domestic deposits to total assets86.5922%2,706
Equity capital to assets10.0828%3,645
Core capital (leverage) ratio9.0097%4,400
Tier 1 risk-based capital ratio10.4486%6,450
Total risk-based capital ratio11.7003%6,417
Memoranda:
Average total assets$334,465,2002,029
Average earning assets$320,868,6001,943
Average equity$34,501,6001,950
Average total loans$267,570,8001,793
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0864%6,314
Cost of funding earning assets2.1243%2,776
Net interest margin2.9622%6,701
Noninterest income to average assets0.0713%7,559
Noninterest expense to average assets2.4122%6,381
Loan and lease loss provision to assets0.5649%3,127
Net operating income to assets-0.0579%5,821
Return on assets (ROA)-0.3197%6,239
Pretax return on assets-0.3197%6,118
Return on Equity (ROE)-3.0805%6,256
Retained earnings to average equity (ytd only)-3.0805%5,953
Net charge-offs to loans0.3085%4,107
Credit loss provision to net charge-offs227.7778%1,913
Earnings coverage of net charge-offs (x)2.0441%4,288
Efficiency ratio82.2321%2,552
Assets per employee ($millions)7.9129%532
Cash dividends to net income (ytd only)*0.0000%3,688
Condition Ratios (%)
Loss allowance to loans1.3977%3,959
Loan loss allowance to noncurrent loans201.1789%1,468
Noncurrent assets plus other real estate owned to assets0.9050%5,264
Noncurrent loans to loans0.6948%5,914
Net loans and leases to total assets79.5266%1,282
Net loans and leases to deposits92.0673%2,218
Net loans and leases to core deposits105.3664%3,773
Total domestic deposits to total assets86.3787%2,490
Equity capital to assets10.2479%3,792
Core capital (leverage) ratio9.2077%4,323
Tier 1 risk-based capital ratio10.3403%6,633
Total risk-based capital ratio11.5910%6,576
Memoranda:
Average total assets$329,038,5002,075
Average earning assets$316,336,5001,990
Average equity$34,149,0001,990
Average total loans$264,541,0001,823
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0709%6,542
Cost of funding earning assets2.3144%2,296
Net interest margin2.7564%7,095
Noninterest income to average assets0.0669%7,651
Noninterest expense to average assets2.5060%6,104
Loan and lease loss provision to assets0.4971%3,052
Net operating income to assets-0.2845%6,314
Return on assets (ROA)-0.5541%6,610
Pretax return on assets-0.5541%6,479
Return on Equity (ROE)-5.3153%6,643
Retained earnings to average equity (ytd only)-5.3153%6,349
Net charge-offs to loans0.2308%4,054
Credit loss provision to net charge-offs268.2274%1,738
Earnings coverage of net charge-offs (x)1.1472%4,664
Efficiency ratio91.7465%1,660
Assets per employee ($millions)7.5085%612
Cash dividends to net income (ytd only)*0.0000%3,532
Condition Ratios (%)
Loss allowance to loans1.3448%4,011
Loan loss allowance to noncurrent loans110.5518%2,656
Noncurrent assets plus other real estate owned to assets1.1412%4,667
Noncurrent loans to loans1.2165%4,780
Net loans and leases to total assets79.1588%1,487
Net loans and leases to deposits88.7308%3,047
Net loans and leases to core deposits105.1704%3,938
Total domestic deposits to total assets89.2122%1,163
Equity capital to assets10.2663%3,647
Core capital (leverage) ratio9.5936%3,770
Tier 1 risk-based capital ratio10.7353%6,152
Total risk-based capital ratio11.9854%6,091
Memoranda:
Average total assets$322,661,6702,133
Average earning assets$310,400,3302,054
Average equity$33,638,6702,019
Average total loans$259,117,3301,893
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0188%6,883
Cost of funding earning assets2.5616%1,692
Net interest margin2.4573%7,552
Noninterest income to average assets0.0863%7,623
Noninterest expense to average assets2.4834%5,905
Loan and lease loss provision to assets0.6094%2,065
Net operating income to assets-0.6437%7,003
Return on assets (ROA)-1.1833%7,369
Pretax return on assets-1.1833%7,248
Return on Equity (ROE)-11.2581%7,437
Retained earnings to average equity (ytd only)-11.2581%7,222
Net charge-offs to loans0.4441%2,337
Credit loss provision to net charge-offs170.8185%2,509
Earnings coverage of net charge-offs (x)-0.0961%5,071
Efficiency ratio100.8813%1,096
Assets per employee ($millions)7.4814%631
Cash dividends to net income (ytd only)*0.0000%2,832
Condition Ratios (%)
Loss allowance to loans1.2733%4,254
Loan loss allowance to noncurrent loans120.2591%2,599
Noncurrent assets plus other real estate owned to assets1.0295%4,638
Noncurrent loans to loans1.0588%4,870
Net loans and leases to total assets78.7188%1,641
Net loans and leases to deposits88.4130%3,214
Net loans and leases to core deposits102.0977%4,336
Total domestic deposits to total assets89.0352%1,218
Equity capital to assets10.4255%3,539
Core capital (leverage) ratio9.8710%3,560
Tier 1 risk-based capital ratio10.9507%5,944
Total risk-based capital ratio12.1357%5,916
Memoranda:
Average total assets$315,051,0002,184
Average earning assets$302,940,0002,106
Average equity$33,114,0002,045
Average total loans$253,121,0001,944
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.9879%5,606
Cost of funding earning assets3.0413%1,712
Net interest margin2.9465%7,043
Noninterest income to average assets0.0370%7,953
Noninterest expense to average assets3.1334%3,572
Loan and lease loss provision to assets0.9051%1,652
Net operating income to assets-1.1902%7,341
Return on assets (ROA)-1.3803%7,363
Pretax return on assets-1.3803%7,201
Return on Equity (ROE)-9.0790%7,205
Retained earnings to average equity (ytd only)-9.0790%6,976
Net charge-offs to loans0.0994%5,324
Credit loss provision to net charge-offs1,186.2275%379
Earnings coverage of net charge-offs (x)-3.7365%6,798
Efficiency ratio109.3359%725
Assets per employee ($millions)6.6871%816
Cash dividends to net income (ytd only)*0.0000%4,825
Condition Ratios (%)
Loss allowance to loans1.2893%3,864
Loan loss allowance to noncurrent loans360.0229%1,144
Noncurrent assets plus other real estate owned to assets0.6537%5,260
Noncurrent loans to loans0.3581%6,293
Net loans and leases to total assets79.9644%1,670
Net loans and leases to deposits90.1293%3,430
Net loans and leases to core deposits99.0589%4,923
Total domestic deposits to total assets88.7219%1,139
Equity capital to assets10.6038%3,382
Core capital (leverage) ratio10.6492%2,860
Tier 1 risk-based capital ratio10.9323%5,788
Total risk-based capital ratio12.1328%5,744
Memoranda:
Average total assets$218,865,8002,888
Average earning assets$208,822,2002,788
Average equity$33,274,6002,031
Average total loans$168,084,8002,640