Home > Vantage Point Bank > Performance and Condition Ratios
Vantage Point 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 | 3.7537% | 4,963 |
| Cost of funding earning assets | 1.1119% | 270 |
| Net interest margin | 2.6418% | 6,213 |
| Noninterest income to average assets | 13.6862% | 53 |
| Noninterest expense to average assets | 20.2136% | 37 |
| Loan and lease loss provision to assets | 0.9478% | 196 |
| Net operating income to assets | -4.9717% | 6,798 |
| Return on assets (ROA) | -4.9730% | 6,798 |
| Pretax return on assets | -4.9730% | 6,795 |
| Return on Equity (ROE) | -117.1904% | 6,808 |
| Retained earnings to average equity (ytd only) | -117.1904% | 6,808 |
| Net charge-offs to loans | 0.9382% | 642 |
| Credit loss provision to net charge-offs | 137.0510% | 1,709 |
| Earnings coverage of net charge-offs (x) | -5.8185% | 5,405 |
| Efficiency ratio | 124.8547% | 149 |
| Assets per employee ($millions) | 1.5108% | 6,720 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4640% | 3,358 |
| Loan loss allowance to noncurrent loans | 35.8690% | 5,758 |
| Noncurrent assets plus other real estate owned to assets | 3.0290% | 1,039 |
| Noncurrent loans to loans | 4.0816% | 703 |
| Net loans and leases to total assets | 68.5216% | 2,257 |
| Net loans and leases to deposits | 69.5976% | 3,832 |
| Net loans and leases to core deposits | 74.5078% | 3,784 |
| Total domestic deposits to total assets | 98.4540% | 5 |
| Equity capital to assets | 1.0527% | 6,805 |
| Core capital (leverage) ratio | 1.1274% | 6,806 |
| Tier 1 risk-based capital ratio | 1.8524% | 6,806 |
| Total risk-based capital ratio | 3.1063% | 6,806 |
| Memoranda: | ||
| Average total assets | $76,493,200 | 5,318 |
| Average earning assets | $72,488,400 | 5,240 |
| Average equity | $3,246,000 | 6,488 |
| Average total loans | $56,385,600 | 4,736 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8175% | 4,783 |
| Cost of funding earning assets | 1.1175% | 281 |
| Net interest margin | 2.7000% | 6,174 |
| Noninterest income to average assets | 16.5406% | 47 |
| Noninterest expense to average assets | 21.3955% | 35 |
| Loan and lease loss provision to assets | 0.6520% | 343 |
| Net operating income to assets | -2.9540% | 6,846 |
| Return on assets (ROA) | -2.9557% | 6,849 |
| Pretax return on assets | -2.9557% | 6,844 |
| Return on Equity (ROE) | -60.5904% | 6,867 |
| Retained earnings to average equity (ytd only) | -60.5904% | 6,864 |
| Net charge-offs to loans | 0.7468% | 800 |
| Credit loss provision to net charge-offs | 117.1171% | 2,010 |
| Earnings coverage of net charge-offs (x) | -4.1351% | 5,126 |
| Efficiency ratio | 112.0567% | 237 |
| Assets per employee ($millions) | 1.1087% | 6,826 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0811% | 5,398 |
| Loan loss allowance to noncurrent loans | 28.1042% | 6,049 |
| Noncurrent assets plus other real estate owned to assets | 2.4676% | 1,565 |
| Noncurrent loans to loans | 3.8466% | 933 |
| Net loans and leases to total assets | 62.4525% | 3,278 |
| Net loans and leases to deposits | 65.1971% | 4,384 |
| Net loans and leases to core deposits | 69.1938% | 4,408 |
| Total domestic deposits to total assets | 95.7904% | 24 |
| Equity capital to assets | 3.7021% | 6,825 |
| Core capital (leverage) ratio | 3.5734% | 6,839 |
| Tier 1 risk-based capital ratio | 6.2235% | 6,820 |
| Total risk-based capital ratio | 7.3440% | 6,826 |
| Memoranda: | ||
| Average total assets | $79,753,250 | 5,292 |
| Average earning assets | $75,404,250 | 5,214 |
| Average equity | $3,890,500 | 6,431 |
| Average total loans | $59,450,750 | 4,667 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8765% | 4,559 |
| Cost of funding earning assets | 1.1191% | 308 |
| Net interest margin | 2.7574% | 6,086 |
| Noninterest income to average assets | 18.0566% | 42 |
| Noninterest expense to average assets | 22.1925% | 34 |
| Loan and lease loss provision to assets | 0.4290% | 699 |
| Net operating income to assets | -1.2953% | 6,787 |
| Return on assets (ROA) | -1.2969% | 6,790 |
| Pretax return on assets | -1.9638% | 6,841 |
| Return on Equity (ROE) | -24.7736% | 6,845 |
| Retained earnings to average equity (ytd only) | -24.7736% | 6,826 |
| Net charge-offs to loans | 0.3992% | 1,617 |
| Credit loss provision to net charge-offs | 137.7953% | 1,650 |
| Earnings coverage of net charge-offs (x) | -4.9213% | 4,828 |
| Efficiency ratio | 107.4166% | 320 |
| Assets per employee ($millions) | 0.3409% | 6,915 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8222% | 6,314 |
| Loan loss allowance to noncurrent loans | 68.8797% | 4,457 |
| Noncurrent assets plus other real estate owned to assets | 0.9004% | 3,988 |
| Noncurrent loans to loans | 1.1937% | 3,563 |
| Net loans and leases to total assets | 71.9248% | 1,587 |
| Net loans and leases to deposits | 78.4782% | 2,515 |
| Net loans and leases to core deposits | 83.5136% | 2,625 |
| Total domestic deposits to total assets | 91.6494% | 330 |
| Equity capital to assets | 4.7704% | 6,836 |
| Core capital (leverage) ratio | 4.9277% | 6,832 |
| Tier 1 risk-based capital ratio | 7.5994% | 6,816 |
| Total risk-based capital ratio | 8.5380% | 6,829 |
| Memoranda: | ||
| Average total assets | $81,577,000 | 5,286 |
| Average earning assets | $77,028,330 | 5,195 |
| Average equity | $4,270,670 | 6,391 |
| Average total loans | $63,635,000 | 4,555 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9503% | 4,298 |
| Cost of funding earning assets | 1.1166% | 346 |
| Net interest margin | 2.8336% | 5,960 |
| Noninterest income to average assets | 15.7950% | 50 |
| Noninterest expense to average assets | 20.8714% | 37 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -1.5897% | 6,889 |
| Return on assets (ROA) | -1.6028% | 6,895 |
| Pretax return on assets | -2.4266% | 6,932 |
| Return on Equity (ROE) | -29.2705% | 6,932 |
| Retained earnings to average equity (ytd only) | -29.2705% | 6,898 |
| Net charge-offs to loans | 0.1841% | 2,300 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | -16.1667% | 4,113 |
| Efficiency ratio | 113.0341% | 285 |
| Assets per employee ($millions) | 0.3345% | 6,992 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6555% | 6,645 |
| Loan loss allowance to noncurrent loans | 77.9221% | 4,024 |
| Noncurrent assets plus other real estate owned to assets | 0.7045% | 4,616 |
| Noncurrent loans to loans | 0.8413% | 4,435 |
| Net loans and leases to total assets | 78.9497% | 517 |
| Net loans and leases to deposits | 86.9357% | 1,256 |
| Net loans and leases to core deposits | 92.4353% | 1,461 |
| Total domestic deposits to total assets | 90.8138% | 604 |
| Equity capital to assets | 5.3013% | 6,874 |
| Core capital (leverage) ratio | 5.4195% | 6,851 |
| Tier 1 risk-based capital ratio | 7.4461% | 6,881 |
| Total risk-based capital ratio | 8.1835% | 6,904 |
| Memoranda: | ||
| Average total assets | $80,608,000 | 5,344 |
| Average earning assets | $75,944,500 | 5,267 |
| Average equity | $4,414,000 | 6,415 |
| Average total loans | $65,169,500 | 4,521 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0704% | 5,054 |
| Cost of funding earning assets | 1.1465% | 747 |
| Net interest margin | 2.9239% | 6,183 |
| Noninterest income to average assets | 14.3317% | 55 |
| Noninterest expense to average assets | 17.5584% | 43 |
| Loan and lease loss provision to assets | 0.6153% | 887 |
| Net operating income to assets | -3.1688% | 7,018 |
| Return on assets (ROA) | -3.1889% | 7,023 |
| Pretax return on assets | -1.1312% | 6,768 |
| Return on Equity (ROE) | -40.7210% | 6,998 |
| Retained earnings to average equity (ytd only) | -40.7210% | 6,988 |
| Net charge-offs to loans | 0.9631% | 1,146 |
| Credit loss provision to net charge-offs | 82.5397% | 3,743 |
| Earnings coverage of net charge-offs (x) | -0.6651% | 5,706 |
| Efficiency ratio | 102.9057% | 467 |
| Assets per employee ($millions) | 0.3386% | 7,055 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6791% | 6,661 |
| Loan loss allowance to noncurrent loans | 76.9231% | 4,011 |
| Noncurrent assets plus other real estate owned to assets | 0.8028% | 4,462 |
| Noncurrent loans to loans | 0.8828% | 4,414 |
| Net loans and leases to total assets | 81.6664% | 345 |
| Net loans and leases to deposits | 101.3817% | 359 |
| Net loans and leases to core deposits | 108.7055% | 580 |
| Total domestic deposits to total assets | 80.5534% | 5,530 |
| Equity capital to assets | 5.6505% | 6,913 |
| Core capital (leverage) ratio | 5.7945% | 6,871 |
| Tier 1 risk-based capital ratio | 8.0949% | 6,908 |
| Total risk-based capital ratio | 8.8957% | 6,930 |
| Memoranda: | ||
| Average total assets | $84,512,200 | 5,235 |
| Average earning assets | $78,936,200 | 5,162 |
| Average equity | $6,618,200 | 5,866 |
| Average total loans | $65,415,200 | 4,531 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0160% | 5,475 |
| Cost of funding earning assets | 1.1648% | 812 |
| Net interest margin | 2.8511% | 6,432 |
| Noninterest income to average assets | 13.6306% | 58 |
| Noninterest expense to average assets | 15.7220% | 50 |
| Loan and lease loss provision to assets | 0.0468% | 5,189 |
| Net operating income to assets | 0.3452% | 5,450 |
| Return on assets (ROA) | 0.3431% | 5,662 |
| Pretax return on assets | 0.5193% | 5,406 |
| Return on Equity (ROE) | 4.1116% | 5,248 |
| Retained earnings to average equity (ytd only) | 4.1116% | 4,009 |
| Net charge-offs to loans | 0.4560% | 2,276 |
| Credit loss provision to net charge-offs | 13.4529% | 5,036 |
| Earnings coverage of net charge-offs (x) | 1.6367% | 4,464 |
| Efficiency ratio | 96.5058% | 658 |
| Assets per employee ($millions) | 0.4242% | 7,145 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4778% | 6,964 |
| Loan loss allowance to noncurrent loans | 30.0820% | 6,123 |
| Noncurrent assets plus other real estate owned to assets | 1.3612% | 3,577 |
| Noncurrent loans to loans | 1.5883% | 3,403 |
| Net loans and leases to total assets | 81.1712% | 417 |
| Net loans and leases to deposits | 120.1260% | 77 |
| Net loans and leases to core deposits | 120.1260% | 307 |
| Total domestic deposits to total assets | 67.5717% | 6,939 |
| Equity capital to assets | 7.9114% | 6,632 |
| Core capital (leverage) ratio | 7.9970% | 6,333 |
| Tier 1 risk-based capital ratio | 9.8540% | 6,830 |
| Total risk-based capital ratio | 10.4048% | 6,932 |
| Memoranda: | ||
| Average total assets | $85,491,500 | 5,261 |
| Average earning assets | $79,779,750 | 5,189 |
| Average equity | $7,134,250 | 5,792 |
| Average total loans | $65,201,750 | 4,587 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0826% | 5,383 |
| Cost of funding earning assets | 1.2302% | 714 |
| Net interest margin | 2.8524% | 6,495 |
| Noninterest income to average assets | 11.2621% | 68 |
| Noninterest expense to average assets | 14.3810% | 55 |
| Loan and lease loss provision to assets | 0.0484% | 5,069 |
| Net operating income to assets | -0.3222% | 6,633 |
| Return on assets (ROA) | -0.2615% | 6,652 |
| Pretax return on assets | -0.3971% | 6,698 |
| Return on Equity (ROE) | -3.0731% | 6,675 |
| Retained earnings to average equity (ytd only) | -3.0731% | 6,472 |
| Net charge-offs to loans | 0.7272% | 1,523 |
| Credit loss provision to net charge-offs | 8.9686% | 4,753 |
| Earnings coverage of net charge-offs (x) | -0.8161% | 5,281 |
| Efficiency ratio | 103.1614% | 454 |
| Assets per employee ($millions) | 0.3423% | 7,218 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5701% | 6,961 |
| Loan loss allowance to noncurrent loans | 37.2263% | 5,798 |
| Noncurrent assets plus other real estate owned to assets | 1.2273% | 3,962 |
| Noncurrent loans to loans | 1.5313% | 3,608 |
| Net loans and leases to total assets | 74.8506% | 1,121 |
| Net loans and leases to deposits | 96.1758% | 621 |
| Net loans and leases to core deposits | 102.6880% | 941 |
| Total domestic deposits to total assets | 77.8269% | 6,185 |
| Equity capital to assets | 8.3254% | 6,356 |
| Core capital (leverage) ratio | 7.2818% | 6,728 |
| Tier 1 risk-based capital ratio | 9.7400% | 6,882 |
| Total risk-based capital ratio | 10.3161% | 6,975 |
| Memoranda: | ||
| Average total assets | $82,595,330 | 5,369 |
| Average earning assets | $77,548,000 | 5,285 |
| Average equity | $7,028,670 | 5,844 |
| Average total loans | $61,331,000 | 4,731 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9923% | 5,788 |
| Cost of funding earning assets | 1.2604% | 743 |
| Net interest margin | 2.7318% | 6,735 |
| Noninterest income to average assets | 10.6394% | 72 |
| Noninterest expense to average assets | 12.4767% | 61 |
| Loan and lease loss provision to assets | 0.0972% | 4,132 |
| Net operating income to assets | 0.4284% | 5,130 |
| Return on assets (ROA) | 0.4958% | 5,053 |
| Pretax return on assets | 0.7485% | 4,615 |
| Return on Equity (ROE) | 5.7627% | 4,419 |
| Retained earnings to average equity (ytd only) | 5.7627% | 3,103 |
| Net charge-offs to loans | 1.4765% | 680 |
| Credit loss provision to net charge-offs | 8.9286% | 3,917 |
| Earnings coverage of net charge-offs (x) | 0.6830% | 3,997 |
| Efficiency ratio | 94.3750% | 802 |
| Assets per employee ($millions) | 0.3798% | 7,278 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5729% | 7,007 |
| Loan loss allowance to noncurrent loans | 31.8426% | 6,074 |
| Noncurrent assets plus other real estate owned to assets | 1.3676% | 3,835 |
| Noncurrent loans to loans | 1.7991% | 3,414 |
| Net loans and leases to total assets | 71.6700% | 1,459 |
| Net loans and leases to deposits | 91.6244% | 826 |
| Net loans and leases to core deposits | 97.5481% | 1,159 |
| Total domestic deposits to total assets | 78.2215% | 6,236 |
| Equity capital to assets | 8.3193% | 6,256 |
| Core capital (leverage) ratio | 8.0975% | 6,163 |
| Tier 1 risk-based capital ratio | 9.8560% | 6,907 |
| Total risk-based capital ratio | 10.4073% | 7,015 |
| Memoranda: | ||
| Average total assets | $82,297,500 | 5,410 |
| Average earning assets | $77,750,500 | 5,308 |
| Average equity | $7,080,000 | 5,848 |
| Average total loans | $60,683,500 | 4,786 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4300% | 5,311 |
| Cost of funding earning assets | 1.5319% | 630 |
| Net interest margin | 2.8981% | 6,693 |
| Noninterest income to average assets | 5.0021% | 123 |
| Noninterest expense to average assets | 8.7162% | 91 |
| Loan and lease loss provision to assets | 0.0809% | 5,603 |
| Net operating income to assets | -0.8697% | 6,683 |
| Return on assets (ROA) | -0.5678% | 6,575 |
| Pretax return on assets | -0.6918% | 6,598 |
| Return on Equity (ROE) | -5.8045% | 6,569 |
| Retained earnings to average equity (ytd only) | -5.8045% | 6,494 |
| Net charge-offs to loans | 0.0558% | 5,755 |
| Credit loss provision to net charge-offs | 214.2857% | 1,137 |
| Earnings coverage of net charge-offs (x) | -25.9286% | 6,416 |
| Efficiency ratio | 112.6547% | 387 |
| Assets per employee ($millions) | 0.4961% | 7,318 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9455% | 6,413 |
| Loan loss allowance to noncurrent loans | 44.6571% | 5,329 |
| Noncurrent assets plus other real estate owned to assets | 1.6789% | 3,433 |
| Noncurrent loans to loans | 2.1173% | 3,046 |
| Net loans and leases to total assets | 74.8412% | 1,116 |
| Net loans and leases to deposits | 86.4488% | 1,621 |
| Net loans and leases to core deposits | 89.5348% | 2,189 |
| Total domestic deposits to total assets | 86.5729% | 2,994 |
| Equity capital to assets | 8.9149% | 5,661 |
| Core capital (leverage) ratio | 8.0736% | 6,170 |
| Tier 1 risk-based capital ratio | 10.4822% | 6,693 |
| Total risk-based capital ratio | 11.4304% | 6,789 |
| Memoranda: | ||
| Average total assets | $74,149,400 | 5,640 |
| Average earning assets | $69,977,600 | 5,539 |
| Average equity | $7,253,000 | 5,793 |
| Average total loans | $50,183,600 | 5,258 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4274% | 5,509 |
| Cost of funding earning assets | 1.5718% | 660 |
| Net interest margin | 2.8556% | 6,818 |
| Noninterest income to average assets | 2.9169% | 227 |
| Noninterest expense to average assets | 7.1672% | 136 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | -1.0270% | 6,895 |
| Return on assets (ROA) | -0.7260% | 6,802 |
| Pretax return on assets | -1.1000% | 6,910 |
| Return on Equity (ROE) | -7.2501% | 6,778 |
| Retained earnings to average equity (ytd only) | -7.2501% | 6,719 |
| Net charge-offs to loans | -0.3895% | 7,329 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 127.7308% | 245 |
| Assets per employee ($millions) | 0.5242% | 7,399 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3968% | 4,577 |
| Loan loss allowance to noncurrent loans | 65.1072% | 4,205 |
| Noncurrent assets plus other real estate owned to assets | 1.4081% | 4,016 |
| Noncurrent loans to loans | 2.1454% | 3,191 |
| Net loans and leases to total assets | 64.7196% | 3,165 |
| Net loans and leases to deposits | 74.0818% | 3,644 |
| Net loans and leases to core deposits | 77.7241% | 3,947 |
| Total domestic deposits to total assets | 87.3624% | 2,430 |
| Equity capital to assets | 9.7280% | 4,735 |
| Core capital (leverage) ratio | 8.2161% | 6,116 |
| Tier 1 risk-based capital ratio | 10.8692% | 6,619 |
| Total risk-based capital ratio | 12.0811% | 6,624 |
| Memoranda: | ||
| Average total assets | $73,090,250 | 5,712 |
| Average earning assets | $68,962,250 | 5,618 |
| Average equity | $7,319,250 | 5,812 |
| Average total loans | $47,923,250 | 5,389 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4255% | 5,604 |
| Cost of funding earning assets | 1.5911% | 720 |
| Net interest margin | 2.8344% | 6,882 |
| Noninterest income to average assets | 3.2474% | 203 |
| Noninterest expense to average assets | 7.5499% | 119 |
| Loan and lease loss provision to assets | 0.0820% | 5,286 |
| Net operating income to assets | -1.1287% | 6,987 |
| Return on assets (ROA) | -0.9212% | 6,919 |
| Pretax return on assets | -1.3968% | 7,032 |
| Return on Equity (ROE) | -9.1126% | 6,908 |
| Retained earnings to average equity (ytd only) | -9.1126% | 6,834 |
| Net charge-offs to loans | -0.7799% | 7,429 |
| Credit loss provision to net charge-offs | -16.0428% | 6,193 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 127.5162% | 276 |
| Assets per employee ($millions) | 1.6116% | 7,391 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5657% | 3,841 |
| Loan loss allowance to noncurrent loans | 79.8499% | 3,532 |
| Noncurrent assets plus other real estate owned to assets | 1.2585% | 4,378 |
| Noncurrent loans to loans | 1.9607% | 3,529 |
| Net loans and leases to total assets | 63.1807% | 3,647 |
| Net loans and leases to deposits | 81.2599% | 2,562 |
| Net loans and leases to core deposits | 85.7151% | 2,951 |
| Total domestic deposits to total assets | 77.7514% | 6,336 |
| Equity capital to assets | 9.7875% | 4,402 |
| Core capital (leverage) ratio | 8.1212% | 6,135 |
| Tier 1 risk-based capital ratio | 10.0296% | 6,962 |
| Total risk-based capital ratio | 11.2801% | 6,962 |
| Memoranda: | ||
| Average total assets | $73,166,330 | 5,743 |
| Average earning assets | $69,008,670 | 5,659 |
| Average equity | $7,396,330 | 5,804 |
| Average total loans | $47,956,330 | 5,437 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4888% | 5,375 |
| Cost of funding earning assets | 1.6455% | 685 |
| Net interest margin | 2.8433% | 6,845 |
| Noninterest income to average assets | 3.0269% | 217 |
| Noninterest expense to average assets | 7.7378% | 117 |
| Loan and lease loss provision to assets | 0.1651% | 3,980 |
| Net operating income to assets | -1.4413% | 7,179 |
| Return on assets (ROA) | -1.3869% | 7,163 |
| Pretax return on assets | -2.1023% | 7,274 |
| Return on Equity (ROE) | -13.5003% | 7,114 |
| Retained earnings to average equity (ytd only) | -13.5003% | 6,993 |
| Net charge-offs to loans | -0.0083% | 6,322 |
| Credit loss provision to net charge-offs | -3,000.0000% | 6,296 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 135.3224% | 229 |
| Assets per employee ($millions) | 1.3686% | 7,485 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1950% | 5,663 |
| Loan loss allowance to noncurrent loans | 51.5683% | 4,923 |
| Noncurrent assets plus other real estate owned to assets | 1.4944% | 4,013 |
| Noncurrent loans to loans | 2.3173% | 3,170 |
| Net loans and leases to total assets | 63.7183% | 3,494 |
| Net loans and leases to deposits | 78.4693% | 2,983 |
| Net loans and leases to core deposits | 82.6508% | 3,361 |
| Total domestic deposits to total assets | 81.2016% | 5,606 |
| Equity capital to assets | 10.1423% | 3,604 |
| Core capital (leverage) ratio | 8.2750% | 5,856 |
| Tier 1 risk-based capital ratio | 10.7408% | 6,673 |
| Total risk-based capital ratio | 11.7521% | 6,790 |
| Memoranda: | ||
| Average total assets | $72,682,000 | 5,799 |
| Average earning assets | $68,793,000 | 5,705 |
| Average equity | $7,466,500 | 5,785 |
| Average total loans | $48,142,500 | 5,479 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4316% | 2,540 |
| Cost of funding earning assets | 1.9275% | 768 |
| Net interest margin | 3.5040% | 5,235 |
| Noninterest income to average assets | 2.9565% | 236 |
| Noninterest expense to average assets | 6.8149% | 166 |
| Loan and lease loss provision to assets | 0.2485% | 4,813 |
| Net operating income to assets | -0.5165% | 6,397 |
| Return on assets (ROA) | -0.3382% | 6,282 |
| Pretax return on assets | -0.5242% | 6,337 |
| Return on Equity (ROE) | -3.3161% | 6,303 |
| Retained earnings to average equity (ytd only) | -3.3161% | 6,131 |
| Net charge-offs to loans | 0.9088% | 2,372 |
| Credit loss provision to net charge-offs | 42.0690% | 6,356 |
| Earnings coverage of net charge-offs (x) | -0.9310% | 6,588 |
| Efficiency ratio | 108.7795% | 563 |
| Assets per employee ($millions) | 1.3005% | 7,570 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0665% | 6,087 |
| Loan loss allowance to noncurrent loans | 55.8730% | 4,664 |
| Noncurrent assets plus other real estate owned to assets | 1.2976% | 4,438 |
| Noncurrent loans to loans | 1.9089% | 3,675 |
| Net loans and leases to total assets | 67.2535% | 3,153 |
| Net loans and leases to deposits | 81.8852% | 2,831 |
| Net loans and leases to core deposits | 88.5070% | 2,982 |
| Total domestic deposits to total assets | 82.1314% | 5,147 |
| Equity capital to assets | 10.4029% | 3,269 |
| Core capital (leverage) ratio | 8.9867% | 4,575 |
| Tier 1 risk-based capital ratio | 11.1058% | 6,244 |
| Total risk-based capital ratio | 12.0056% | 6,495 |
| Memoranda: | ||
| Average total assets | $73,633,200 | 5,770 |
| Average earning assets | $69,519,600 | 5,688 |
| Average equity | $7,508,800 | 5,872 |
| Average total loans | $47,865,600 | 5,567 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5149% | 2,376 |
| Cost of funding earning assets | 1.9889% | 782 |
| Net interest margin | 3.5260% | 5,197 |
| Noninterest income to average assets | 2.5155% | 274 |
| Noninterest expense to average assets | 6.2137% | 206 |
| Loan and lease loss provision to assets | -0.2185% | 7,723 |
| Net operating income to assets | -0.1122% | 6,197 |
| Return on assets (ROA) | 0.1752% | 5,743 |
| Pretax return on assets | 0.2402% | 5,641 |
| Return on Equity (ROE) | 1.7262% | 5,696 |
| Retained earnings to average equity (ytd only) | 1.7262% | 5,099 |
| Net charge-offs to loans | 0.0337% | 6,225 |
| Credit loss provision to net charge-offs | -1,008.3333% | 7,087 |
| Earnings coverage of net charge-offs (x) | -17.1663% | 6,641 |
| Efficiency ratio | 106.3679% | 596 |
| Assets per employee ($millions) | 1.3313% | 7,671 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3143% | 4,876 |
| Loan loss allowance to noncurrent loans | 50.8648% | 4,895 |
| Noncurrent assets plus other real estate owned to assets | 1.7373% | 3,835 |
| Noncurrent loans to loans | 2.5838% | 3,045 |
| Net loans and leases to total assets | 66.3516% | 3,607 |
| Net loans and leases to deposits | 79.1754% | 3,603 |
| Net loans and leases to core deposits | 85.3709% | 3,751 |
| Total domestic deposits to total assets | 83.8034% | 4,230 |
| Equity capital to assets | 10.8811% | 3,075 |
| Core capital (leverage) ratio | 9.7759% | 3,520 |
| Tier 1 risk-based capital ratio | 12.1249% | 5,341 |
| Total risk-based capital ratio | 13.2042% | 5,475 |
| Memoranda: | ||
| Average total assets | $73,835,000 | 5,835 |
| Average earning assets | $69,652,500 | 5,745 |
| Average equity | $7,492,000 | 5,948 |
| Average total loans | $47,455,500 | 5,661 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5929% | 2,162 |
| Cost of funding earning assets | 2.0294% | 826 |
| Net interest margin | 3.5636% | 4,983 |
| Noninterest income to average assets | 2.3123% | 289 |
| Noninterest expense to average assets | 6.2831% | 196 |
| Loan and lease loss provision to assets | -0.4457% | 7,808 |
| Net operating income to assets | -0.1405% | 6,279 |
| Return on assets (ROA) | 0.0270% | 6,140 |
| Pretax return on assets | 0.0054% | 6,146 |
| Return on Equity (ROE) | 0.2727% | 6,135 |
| Retained earnings to average equity (ytd only) | 0.2727% | 5,646 |
| Net charge-offs to loans | 0.0512% | 5,668 |
| Credit loss provision to net charge-offs | -1,375.0000% | 6,936 |
| Earnings coverage of net charge-offs (x) | -18.7500% | 6,339 |
| Efficiency ratio | 110.7092% | 534 |
| Assets per employee ($millions) | 1.2681% | 7,744 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2286% | 5,301 |
| Loan loss allowance to noncurrent loans | 62.2934% | 4,206 |
| Noncurrent assets plus other real estate owned to assets | 1.2723% | 4,604 |
| Noncurrent loans to loans | 1.9723% | 3,760 |
| Net loans and leases to total assets | 63.7159% | 4,315 |
| Net loans and leases to deposits | 73.7596% | 4,714 |
| Net loans and leases to core deposits | 77.9636% | 4,958 |
| Total domestic deposits to total assets | 86.3833% | 2,879 |
| Equity capital to assets | 10.0785% | 3,912 |
| Core capital (leverage) ratio | 9.3775% | 3,999 |
| Tier 1 risk-based capital ratio | 11.3943% | 5,867 |
| Total risk-based capital ratio | 12.3689% | 6,107 |
| Memoranda: | ||
| Average total assets | $74,040,330 | 5,866 |
| Average earning assets | $69,874,000 | 5,778 |
| Average equity | $7,333,670 | 6,023 |
| Average total loans | $46,864,330 | 5,725 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5313% | 2,450 |
| Cost of funding earning assets | 2.1011% | 808 |
| Net interest margin | 3.4302% | 5,462 |
| Noninterest income to average assets | 1.8571% | 376 |
| Noninterest expense to average assets | 6.4805% | 171 |
| Loan and lease loss provision to assets | -0.4382% | 7,895 |
| Net operating income to assets | -0.6241% | 6,917 |
| Return on assets (ROA) | -0.5807% | 6,916 |
| Pretax return on assets | -0.8820% | 6,994 |
| Return on Equity (ROE) | -5.9164% | 6,938 |
| Retained earnings to average equity (ytd only) | -5.9164% | 6,658 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 127.2043% | 364 |
| Assets per employee ($millions) | 1.4984% | 7,822 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4892% | 3,961 |
| Loan loss allowance to noncurrent loans | 83.4327% | 3,283 |
| Noncurrent assets plus other real estate owned to assets | 1.1199% | 4,918 |
| Noncurrent loans to loans | 1.7849% | 4,072 |
| Net loans and leases to total assets | 61.8068% | 4,798 |
| Net loans and leases to deposits | 68.6458% | 5,514 |
| Net loans and leases to core deposits | 72.8685% | 5,625 |
| Total domestic deposits to total assets | 90.0372% | 970 |
| Equity capital to assets | 9.6825% | 4,253 |
| Core capital (leverage) ratio | 9.1068% | 4,364 |
| Tier 1 risk-based capital ratio | 10.5714% | 6,564 |
| Total risk-based capital ratio | 11.7003% | 6,674 |
| Memoranda: | ||
| Average total assets | $73,019,000 | 5,965 |
| Average earning assets | $68,917,000 | 5,879 |
| Average equity | $7,166,500 | 6,128 |
| Average total loans | $45,756,500 | 5,852 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9456% | 2,061 |
| Cost of funding earning assets | 2.5423% | 916 |
| Net interest margin | 3.4033% | 5,348 |
| Noninterest income to average assets | 2.0423% | 362 |
| Noninterest expense to average assets | 6.0087% | 308 |
| Loan and lease loss provision to assets | 0.5689% | 3,535 |
| Net operating income to assets | 1.2130% | 1,218 |
| Return on assets (ROA) | 1.7283% | 444 |
| Pretax return on assets | -0.4566% | 5,971 |
| Return on Equity (ROE) | 19.7778% | 254 |
| Retained earnings to average equity (ytd only) | 19.7778% | 37 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 113.0317% | 739 |
| Assets per employee ($millions) | 1.1853% | 7,937 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7525% | 2,701 |
| Loan loss allowance to noncurrent loans | 143.6464% | 1,988 |
| Noncurrent assets plus other real estate owned to assets | 0.7635% | 5,576 |
| Noncurrent loans to loans | 1.2200% | 4,918 |
| Net loans and leases to total assets | 61.4857% | 5,106 |
| Net loans and leases to deposits | 68.7309% | 5,752 |
| Net loans and leases to core deposits | 103.5988% | 3,611 |
| Total domestic deposits to total assets | 89.4585% | 1,234 |
| Equity capital to assets | 9.9537% | 3,827 |
| Core capital (leverage) ratio | 9.2519% | 4,054 |
| Tier 1 risk-based capital ratio | 10.8095% | 6,106 |
| Total risk-based capital ratio | 12.0625% | 6,074 |
| Memoranda: | ||
| Average total assets | $69,433,200 | 6,020 |
| Average earning assets | $66,789,000 | 5,902 |
| Average equity | $6,067,400 | 6,580 |
| Average total loans | $38,695,400 | 6,169 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9653% | 2,169 |
| Cost of funding earning assets | 2.6470% | 917 |
| Net interest margin | 3.3183% | 5,573 |
| Noninterest income to average assets | 1.8663% | 426 |
| Noninterest expense to average assets | 5.8385% | 327 |
| Loan and lease loss provision to assets | 0.1893% | 5,482 |
| Net operating income to assets | -0.8859% | 6,753 |
| Return on assets (ROA) | -0.1043% | 5,928 |
| Pretax return on assets | -0.1121% | 5,858 |
| Return on Equity (ROE) | -1.2383% | 5,972 |
| Retained earnings to average equity (ytd only) | -1.2383% | 5,543 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 115.0362% | 673 |
| Assets per employee ($millions) | 1.4475% | 7,998 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1664% | 5,318 |
| Loan loss allowance to noncurrent loans | 129.8387% | 2,191 |
| Noncurrent assets plus other real estate owned to assets | 0.5354% | 6,121 |
| Noncurrent loans to loans | 0.8983% | 5,486 |
| Net loans and leases to total assets | 58.9064% | 5,752 |
| Net loans and leases to deposits | 64.7374% | 6,424 |
| Net loans and leases to core deposits | 99.4895% | 4,433 |
| Total domestic deposits to total assets | 90.9928% | 418 |
| Equity capital to assets | 8.7294% | 5,911 |
| Core capital (leverage) ratio | 8.9423% | 4,743 |
| Tier 1 risk-based capital ratio | 11.3837% | 5,553 |
| Total risk-based capital ratio | 12.2484% | 5,921 |
| Memoranda: | ||
| Average total assets | $69,011,750 | 6,074 |
| Average earning assets | $66,739,500 | 5,947 |
| Average equity | $5,814,500 | 6,729 |
| Average total loans | $37,242,250 | 6,278 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9359% | 2,431 |
| Cost of funding earning assets | 2.6987% | 1,031 |
| Net interest margin | 3.2372% | 5,781 |
| Noninterest income to average assets | 1.8473% | 431 |
| Noninterest expense to average assets | 5.7918% | 342 |
| Loan and lease loss provision to assets | 0.1888% | 5,147 |
| Net operating income to assets | -1.0079% | 6,992 |
| Return on assets (ROA) | -0.3166% | 6,359 |
| Pretax return on assets | -0.3166% | 6,250 |
| Return on Equity (ROE) | -3.8039% | 6,452 |
| Retained earnings to average equity (ytd only) | -3.8039% | 6,098 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 116.4720% | 731 |
| Assets per employee ($millions) | 1.6789% | 8,027 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1659% | 5,163 |
| Loan loss allowance to noncurrent loans | 1,363.6364% | 272 |
| Noncurrent assets plus other real estate owned to assets | 0.0479% | 7,483 |
| Noncurrent loans to loans | 0.0855% | 7,312 |
| Net loans and leases to total assets | 55.4196% | 6,283 |
| Net loans and leases to deposits | 60.7417% | 6,838 |
| Net loans and leases to core deposits | 93.3077% | 5,197 |
| Total domestic deposits to total assets | 91.2382% | 396 |
| Equity capital to assets | 8.4364% | 6,147 |
| Core capital (leverage) ratio | 9.0192% | 4,591 |
| Tier 1 risk-based capital ratio | 12.8124% | 4,282 |
| Total risk-based capital ratio | 12.8124% | 5,255 |
| Memoranda: | ||
| Average total assets | $68,856,330 | 6,116 |
| Average earning assets | $66,476,330 | 5,990 |
| Average equity | $5,731,000 | 6,819 |
| Average total loans | $35,853,000 | 6,413 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5859% | 4,448 |
| Cost of funding earning assets | 2.7778% | 1,035 |
| Net interest margin | 2.8080% | 6,976 |
| Noninterest income to average assets | 2.1316% | 325 |
| Noninterest expense to average assets | 5.4016% | 383 |
| Loan and lease loss provision to assets | 0.2614% | 3,873 |
| Net operating income to assets | -0.8306% | 7,144 |
| Return on assets (ROA) | -0.8306% | 7,177 |
| Pretax return on assets | -0.8306% | 7,053 |
| Return on Equity (ROE) | -10.0474% | 7,369 |
| Retained earnings to average equity (ytd only) | -10.0474% | 7,118 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 111.7788% | 771 |
| Assets per employee ($millions) | 1.5880% | 8,091 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2138% | 4,705 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 50.0844% | 6,857 |
| Net loans and leases to deposits | 56.4616% | 7,137 |
| Net loans and leases to core deposits | 86.9250% | 5,838 |
| Total domestic deposits to total assets | 88.7054% | 1,381 |
| Equity capital to assets | 8.0187% | 6,776 |
| Core capital (leverage) ratio | 9.0086% | 4,699 |
| Tier 1 risk-based capital ratio | 12.8926% | 4,258 |
| Total risk-based capital ratio | 13.7823% | 4,446 |
| Memoranda: | ||
| Average total assets | $68,868,000 | 6,146 |
| Average earning assets | $66,238,500 | 6,032 |
| Average equity | $5,693,000 | 6,882 |
| Average total loans | $34,481,000 | 6,521 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6199% | 8,003 |
| Cost of funding earning assets | 3.2260% | 1,109 |
| Net interest margin | 1.3939% | 8,192 |
| Noninterest income to average assets | 1.1667% | 1,136 |
| Noninterest expense to average assets | 7.0128% | 280 |
| Loan and lease loss provision to assets | 0.7029% | 2,095 |
| Net operating income to assets | -5.2162% | 8,099 |
| Return on assets (ROA) | -5.2162% | 8,091 |
| Pretax return on assets | -5.2071% | 8,045 |
| Return on Equity (ROE) | -39.6464% | 8,075 |
| Retained earnings to average equity (ytd only) | -39.6464% | 8,046 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 279.5488% | 118 |
| Assets per employee ($millions) | 1.6158% | 8,129 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1480% | 4,939 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 48.8506% | 7,119 |
| Net loans and leases to deposits | 53.7024% | 7,457 |
| Net loans and leases to core deposits | 76.2583% | 6,848 |
| Total domestic deposits to total assets | 90.9655% | 341 |
| Equity capital to assets | 8.5217% | 6,051 |
| Core capital (leverage) ratio | 8.5840% | 5,417 |
| Tier 1 risk-based capital ratio | 13.8231% | 3,634 |
| Total risk-based capital ratio | 14.7073% | 3,745 |
| Memoranda: | ||
| Average total assets | $54,771,200 | 6,589 |
| Average earning assets | $52,728,000 | 6,475 |
| Average equity | $7,206,200 | 6,382 |
| Average total loans | $17,209,400 | 7,507 |