Home > First Southern Bank > Performance and Condition Ratios
First Southern Bank, Performance and Condition Ratios
2014-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9894% | 3,736 |
Cost of funding earning assets | 0.4060% | 3,895 |
Net interest margin | 3.5834% | 3,319 |
Noninterest income to average assets | -0.0219% | 6,637 |
Noninterest expense to average assets | 3.2226% | 2,147 |
Loan and lease loss provision to assets | -0.7535% | 6,691 |
Net operating income to assets | 0.7650% | 3,335 |
Return on assets (ROA) | 0.7650% | 3,417 |
Pretax return on assets | 0.7650% | 4,248 |
Return on Equity (ROE) | 5.1345% | 4,476 |
Retained earnings to average equity (ytd only) | 5.1345% | 3,032 |
Net charge-offs to loans | -0.1049% | 6,135 |
Credit loss provision to net charge-offs | 1,183.7349% | 277 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 99.2056% | 497 |
Assets per employee ($millions) | 5.8220% | 1,435 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7557% | 2,171 |
Loan loss allowance to noncurrent loans | 53.8791% | 5,047 |
Noncurrent assets plus other real estate owned to assets | 4.9759% | 409 |
Noncurrent loans to loans | 3.2586% | 941 |
Net loans and leases to total assets | 59.4775% | 3,641 |
Net loans and leases to deposits | 70.2749% | 3,564 |
Net loans and leases to core deposits | 74.2608% | 3,619 |
Total domestic deposits to total assets | 84.6355% | 4,029 |
Equity capital to assets | 15.0824% | 654 |
Core capital (leverage) ratio | 13.4157% | 997 |
Tier 1 risk-based capital ratio | 19.1172% | 1,931 |
Total risk-based capital ratio | 20.3708% | 1,895 |
Memoranda: | ||
Average total assets | $1,043,135,000 | 642 |
Average earning assets | $947,818,000 | 639 |
Average equity | $155,420,000 | 484 |
Average total loans | $633,204,000 | 676 |
2013-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0039% | 4,075 |
Cost of funding earning assets | 0.4717% | 3,896 |
Net interest margin | 3.5323% | 3,751 |
Noninterest income to average assets | -0.1915% | 6,757 |
Noninterest expense to average assets | 3.2094% | 2,387 |
Loan and lease loss provision to assets | -0.5187% | 6,750 |
Net operating income to assets | 0.2923% | 5,551 |
Return on assets (ROA) | 0.2979% | 5,626 |
Pretax return on assets | 0.2979% | 5,738 |
Return on Equity (ROE) | 1.9660% | 5,851 |
Retained earnings to average equity (ytd only) | 1.9660% | 4,834 |
Net charge-offs to loans | 0.3549% | 1,905 |
Credit loss provision to net charge-offs | -264.5355% | 6,032 |
Earnings coverage of net charge-offs (x) | -1.1543% | 5,272 |
Efficiency ratio | 106.8094% | 324 |
Assets per employee ($millions) | 5.4382% | 1,713 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0261% | 1,497 |
Loan loss allowance to noncurrent loans | 56.5034% | 4,988 |
Noncurrent assets plus other real estate owned to assets | 5.2995% | 425 |
Noncurrent loans to loans | 3.5859% | 861 |
Net loans and leases to total assets | 59.6301% | 3,781 |
Net loans and leases to deposits | 70.1935% | 3,764 |
Net loans and leases to core deposits | 74.8488% | 3,753 |
Total domestic deposits to total assets | 84.9511% | 3,775 |
Equity capital to assets | 14.7166% | 734 |
Core capital (leverage) ratio | 13.3138% | 1,015 |
Tier 1 risk-based capital ratio | 18.6603% | 2,027 |
Total risk-based capital ratio | 19.9167% | 1,988 |
Memoranda: | ||
Average total assets | $1,021,043,200 | 645 |
Average earning assets | $917,621,000 | 648 |
Average equity | $154,729,400 | 481 |
Average total loans | $564,024,200 | 746 |
2013-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9694% | 4,243 |
Cost of funding earning assets | 0.4835% | 3,929 |
Net interest margin | 3.4859% | 3,942 |
Noninterest income to average assets | -0.1337% | 6,818 |
Noninterest expense to average assets | 3.1865% | 2,405 |
Loan and lease loss provision to assets | -0.4648% | 6,823 |
Net operating income to assets | 0.2679% | 5,724 |
Return on assets (ROA) | 0.2679% | 5,830 |
Pretax return on assets | 0.2679% | 5,939 |
Return on Equity (ROE) | 1.7548% | 6,012 |
Retained earnings to average equity (ytd only) | 1.7548% | 5,261 |
Net charge-offs to loans | 0.5420% | 1,175 |
Credit loss provision to net charge-offs | -159.4144% | 5,858 |
Earnings coverage of net charge-offs (x) | -0.6752% | 4,974 |
Efficiency ratio | 105.7984% | 330 |
Assets per employee ($millions) | 5.4675% | 1,663 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.5825% | 851 |
Loan loss allowance to noncurrent loans | 30.8798% | 5,952 |
Noncurrent assets plus other real estate owned to assets | 7.9379% | 224 |
Noncurrent loans to loans | 8.3631% | 208 |
Net loans and leases to total assets | 52.3444% | 4,836 |
Net loans and leases to deposits | 61.6929% | 4,799 |
Net loans and leases to core deposits | 65.4482% | 4,760 |
Total domestic deposits to total assets | 84.8467% | 3,818 |
Equity capital to assets | 14.8209% | 744 |
Core capital (leverage) ratio | 13.4011% | 1,063 |
Tier 1 risk-based capital ratio | 19.8440% | 1,771 |
Total risk-based capital ratio | 21.1048% | 1,739 |
Memoranda: | ||
Average total assets | $1,015,271,500 | 652 |
Average earning assets | $909,669,500 | 653 |
Average equity | $154,996,750 | 483 |
Average total loans | $546,157,250 | 769 |
2013-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9679% | 4,233 |
Cost of funding earning assets | 0.4960% | 3,936 |
Net interest margin | 3.4720% | 3,915 |
Noninterest income to average assets | 0.2815% | 5,433 |
Noninterest expense to average assets | 3.4873% | 1,634 |
Loan and lease loss provision to assets | -0.2243% | 6,794 |
Net operating income to assets | 0.1219% | 6,082 |
Return on assets (ROA) | 0.1219% | 6,178 |
Pretax return on assets | 0.1219% | 6,201 |
Return on Equity (ROE) | 0.7905% | 6,259 |
Retained earnings to average equity (ytd only) | 0.7905% | 5,583 |
Net charge-offs to loans | 1.3126% | 435 |
Credit loss provision to net charge-offs | -31.7594% | 5,509 |
Earnings coverage of net charge-offs (x) | -0.1450% | 4,599 |
Efficiency ratio | 102.3226% | 416 |
Assets per employee ($millions) | 5.4207% | 1,669 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.8038% | 703 |
Loan loss allowance to noncurrent loans | 26.4334% | 6,136 |
Noncurrent assets plus other real estate owned to assets | 9.0110% | 186 |
Noncurrent loans to loans | 10.6069% | 136 |
Net loans and leases to total assets | 52.6790% | 4,780 |
Net loans and leases to deposits | 62.1257% | 4,726 |
Net loans and leases to core deposits | 66.0507% | 4,684 |
Total domestic deposits to total assets | 84.7942% | 3,995 |
Equity capital to assets | 14.9450% | 723 |
Core capital (leverage) ratio | 13.4635% | 990 |
Tier 1 risk-based capital ratio | 20.0510% | 1,707 |
Total risk-based capital ratio | 21.3144% | 1,673 |
Memoranda: | ||
Average total assets | $1,007,421,330 | 655 |
Average earning assets | $900,467,330 | 662 |
Average equity | $155,341,330 | 485 |
Average total loans | $542,149,670 | 770 |
2013-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1048% | 3,704 |
Cost of funding earning assets | 0.5050% | 4,040 |
Net interest margin | 3.5998% | 3,267 |
Noninterest income to average assets | 0.1857% | 6,144 |
Noninterest expense to average assets | 3.3339% | 1,998 |
Loan and lease loss provision to assets | -0.1454% | 6,867 |
Net operating income to assets | 0.2001% | 5,895 |
Return on assets (ROA) | 0.2001% | 6,002 |
Pretax return on assets | 0.2001% | 6,078 |
Return on Equity (ROE) | 1.2776% | 6,153 |
Retained earnings to average equity (ytd only) | 1.2776% | 5,341 |
Net charge-offs to loans | 0.0834% | 3,004 |
Credit loss provision to net charge-offs | -325.0000% | 5,372 |
Earnings coverage of net charge-offs (x) | 1.2232% | 3,420 |
Efficiency ratio | 97.6783% | 648 |
Assets per employee ($millions) | 5.3521% | 1,807 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.6909% | 364 |
Loan loss allowance to noncurrent loans | 27.3557% | 6,114 |
Noncurrent assets plus other real estate owned to assets | 11.0191% | 158 |
Noncurrent loans to loans | 13.4922% | 105 |
Net loans and leases to total assets | 51.6328% | 4,754 |
Net loans and leases to deposits | 61.4876% | 4,617 |
Net loans and leases to core deposits | 65.0944% | 4,642 |
Total domestic deposits to total assets | 83.9727% | 4,483 |
Equity capital to assets | 15.7503% | 599 |
Core capital (leverage) ratio | 13.6059% | 910 |
Tier 1 risk-based capital ratio | 21.1195% | 1,510 |
Total risk-based capital ratio | 22.3928% | 1,479 |
Memoranda: | ||
Average total assets | $1,001,590,000 | 667 |
Average earning assets | $891,151,500 | 677 |
Average equity | $156,861,000 | 482 |
Average total loans | $537,060,000 | 781 |
2012-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7305% | 2,472 |
Cost of funding earning assets | 0.6419% | 3,993 |
Net interest margin | 4.0886% | 2,046 |
Noninterest income to average assets | 0.3756% | 4,789 |
Noninterest expense to average assets | 4.1269% | 834 |
Loan and lease loss provision to assets | 0.7425% | 681 |
Net operating income to assets | -0.8922% | 6,707 |
Return on assets (ROA) | -0.8699% | 6,723 |
Pretax return on assets | -0.8699% | 6,696 |
Return on Equity (ROE) | -5.2858% | 6,605 |
Retained earnings to average equity (ytd only) | -5.2858% | 6,445 |
Net charge-offs to loans | 0.1447% | 4,246 |
Credit loss provision to net charge-offs | 903.8366% | 281 |
Earnings coverage of net charge-offs (x) | -1.8230% | 5,826 |
Efficiency ratio | 102.9142% | 466 |
Assets per employee ($millions) | 5.8930% | 1,364 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.7330% | 345 |
Loan loss allowance to noncurrent loans | 24.5160% | 6,266 |
Noncurrent assets plus other real estate owned to assets | 12.4243% | 125 |
Noncurrent loans to loans | 15.2267% | 75 |
Net loans and leases to total assets | 51.6279% | 4,970 |
Net loans and leases to deposits | 61.3632% | 4,857 |
Net loans and leases to core deposits | 64.6041% | 4,889 |
Total domestic deposits to total assets | 84.1349% | 4,255 |
Equity capital to assets | 15.5731% | 624 |
Core capital (leverage) ratio | 13.5122% | 935 |
Tier 1 risk-based capital ratio | 20.4441% | 1,577 |
Total risk-based capital ratio | 21.7171% | 1,540 |
Memoranda: | ||
Average total assets | $983,599,400 | 668 |
Average earning assets | $866,436,200 | 693 |
Average equity | $161,867,000 | 463 |
Average total loans | $558,563,400 | 744 |
2012-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8975% | 2,012 |
Cost of funding earning assets | 0.6670% | 4,043 |
Net interest margin | 4.2305% | 1,641 |
Noninterest income to average assets | 0.3381% | 5,103 |
Noninterest expense to average assets | 4.3828% | 612 |
Loan and lease loss provision to assets | 0.5821% | 977 |
Net operating income to assets | -0.8965% | 6,832 |
Return on assets (ROA) | -0.8965% | 6,859 |
Pretax return on assets | -0.9048% | 6,838 |
Return on Equity (ROE) | -5.3732% | 6,726 |
Retained earnings to average equity (ytd only) | -5.3732% | 6,635 |
Net charge-offs to loans | -0.0147% | 6,434 |
Credit loss provision to net charge-offs | -6,883.8710% | 6,693 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 107.1047% | 361 |
Assets per employee ($millions) | 5.8242% | 1,356 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.3596% | 526 |
Loan loss allowance to noncurrent loans | 17.6836% | 6,547 |
Noncurrent assets plus other real estate owned to assets | 14.0463% | 106 |
Noncurrent loans to loans | 18.9985% | 49 |
Net loans and leases to total assets | 52.0149% | 5,042 |
Net loans and leases to deposits | 62.4141% | 4,912 |
Net loans and leases to core deposits | 65.7597% | 4,980 |
Total domestic deposits to total assets | 83.3384% | 4,505 |
Equity capital to assets | 16.0872% | 592 |
Core capital (leverage) ratio | 13.9567% | 848 |
Tier 1 risk-based capital ratio | 21.1392% | 1,494 |
Total risk-based capital ratio | 22.4088% | 1,459 |
Memoranda: | ||
Average total assets | $977,575,250 | 676 |
Average earning assets | $860,084,500 | 699 |
Average equity | $163,101,250 | 454 |
Average total loans | $563,097,750 | 737 |
2012-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0963% | 1,511 |
Cost of funding earning assets | 0.6858% | 4,137 |
Net interest margin | 4.4106% | 1,174 |
Noninterest income to average assets | 0.4307% | 4,428 |
Noninterest expense to average assets | 4.6053% | 505 |
Loan and lease loss provision to assets | 1.1556% | 365 |
Net operating income to assets | -1.4467% | 7,011 |
Return on assets (ROA) | -1.4467% | 7,026 |
Pretax return on assets | -1.4611% | 6,998 |
Return on Equity (ROE) | -8.5663% | 6,875 |
Retained earnings to average equity (ytd only) | -8.5663% | 6,792 |
Net charge-offs to loans | 0.3255% | 2,731 |
Credit loss provision to net charge-offs | 602.9001% | 518 |
Earnings coverage of net charge-offs (x) | -1.5940% | 5,360 |
Efficiency ratio | 106.3060% | 391 |
Assets per employee ($millions) | 5.8267% | 1,348 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.3447% | 569 |
Loan loss allowance to noncurrent loans | 16.5878% | 6,607 |
Noncurrent assets plus other real estate owned to assets | 14.6848% | 104 |
Noncurrent loans to loans | 20.1634% | 45 |
Net loans and leases to total assets | 54.2051% | 4,762 |
Net loans and leases to deposits | 65.0788% | 4,633 |
Net loans and leases to core deposits | 68.4661% | 4,732 |
Total domestic deposits to total assets | 83.2915% | 4,630 |
Equity capital to assets | 16.3228% | 531 |
Core capital (leverage) ratio | 14.0414% | 792 |
Tier 1 risk-based capital ratio | 20.8837% | 1,505 |
Total risk-based capital ratio | 22.1538% | 1,474 |
Memoranda: | ||
Average total assets | $971,456,000 | 683 |
Average earning assets | $852,179,000 | 705 |
Average equity | $164,062,330 | 451 |
Average total loans | $572,116,000 | 727 |
2012-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2842% | 1,131 |
Cost of funding earning assets | 0.7097% | 4,202 |
Net interest margin | 4.5745% | 862 |
Noninterest income to average assets | 0.4811% | 4,051 |
Noninterest expense to average assets | 4.9546% | 375 |
Loan and lease loss provision to assets | -0.0099% | 7,100 |
Net operating income to assets | -0.4402% | 6,795 |
Return on assets (ROA) | -0.4402% | 6,827 |
Pretax return on assets | -0.4671% | 6,808 |
Return on Equity (ROE) | -2.5631% | 6,726 |
Retained earnings to average equity (ytd only) | -2.5631% | 6,346 |
Net charge-offs to loans | 0.3084% | 2,425 |
Credit loss provision to net charge-offs | -5.3333% | 5,340 |
Earnings coverage of net charge-offs (x) | -2.5644% | 4,632 |
Efficiency ratio | 109.8772% | 336 |
Assets per employee ($millions) | 5.6742% | 1,542 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.3176% | 1,641 |
Loan loss allowance to noncurrent loans | 11.6216% | 6,735 |
Noncurrent assets plus other real estate owned to assets | 15.0151% | 103 |
Noncurrent loans to loans | 19.9419% | 48 |
Net loans and leases to total assets | 57.0286% | 4,216 |
Net loans and leases to deposits | 68.8430% | 3,899 |
Net loans and leases to core deposits | 72.3202% | 4,098 |
Total domestic deposits to total assets | 82.8387% | 4,994 |
Equity capital to assets | 16.9816% | 432 |
Core capital (leverage) ratio | 14.8148% | 630 |
Tier 1 risk-based capital ratio | 20.9377% | 1,505 |
Total risk-based capital ratio | 22.1967% | 1,475 |
Memoranda: | ||
Average total assets | $967,744,000 | 686 |
Average earning assets | $845,461,500 | 712 |
Average equity | $166,203,000 | 445 |
Average total loans | $583,692,000 | 708 |
2011-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.2202% | 290 |
Cost of funding earning assets | 1.0642% | 2,922 |
Net interest margin | 5.1561% | 306 |
Noninterest income to average assets | 0.3364% | 5,124 |
Noninterest expense to average assets | 3.8292% | 1,291 |
Loan and lease loss provision to assets | 0.6178% | 1,667 |
Net operating income to assets | 0.3256% | 5,166 |
Return on assets (ROA) | 0.3316% | 5,295 |
Pretax return on assets | 0.2969% | 5,562 |
Return on Equity (ROE) | 1.9723% | 5,669 |
Retained earnings to average equity (ytd only) | 1.9723% | 4,807 |
Net charge-offs to loans | 0.6861% | 2,440 |
Credit loss provision to net charge-offs | 141.7327% | 2,058 |
Earnings coverage of net charge-offs (x) | 2.0846% | 4,213 |
Efficiency ratio | 79.7259% | 2,343 |
Assets per employee ($millions) | 5.5145% | 1,624 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.2890% | 1,635 |
Loan loss allowance to noncurrent loans | 11.4879% | 6,804 |
Noncurrent assets plus other real estate owned to assets | 16.1982% | 94 |
Noncurrent loans to loans | 19.9251% | 51 |
Net loans and leases to total assets | 60.8553% | 3,819 |
Net loans and leases to deposits | 73.7713% | 3,534 |
Net loans and leases to core deposits | 77.5683% | 3,737 |
Total domestic deposits to total assets | 82.4918% | 4,966 |
Equity capital to assets | 17.3703% | 404 |
Core capital (leverage) ratio | 14.9293% | 612 |
Tier 1 risk-based capital ratio | 20.8259% | 1,451 |
Total risk-based capital ratio | 22.0854% | 1,427 |
Memoranda: | ||
Average total assets | $897,701,400 | 726 |
Average earning assets | $766,322,400 | 774 |
Average equity | $150,942,800 | 465 |
Average total loans | $570,319,000 | 742 |
2011-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.5566% | 182 |
Cost of funding earning assets | 1.1452% | 2,662 |
Net interest margin | 5.4115% | 200 |
Noninterest income to average assets | 0.4813% | 4,030 |
Noninterest expense to average assets | 3.8025% | 1,302 |
Loan and lease loss provision to assets | 0.2358% | 3,655 |
Net operating income to assets | 1.1324% | 1,870 |
Return on assets (ROA) | 1.1348% | 1,982 |
Pretax return on assets | 1.0440% | 3,234 |
Return on Equity (ROE) | 6.8102% | 3,607 |
Retained earnings to average equity (ytd only) | 6.8102% | 2,075 |
Net charge-offs to loans | 0.4067% | 3,097 |
Credit loss provision to net charge-offs | 90.7504% | 3,749 |
Earnings coverage of net charge-offs (x) | 4.9168% | 2,924 |
Efficiency ratio | 73.8107% | 3,217 |
Assets per employee ($millions) | 5.5197% | 1,580 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9264% | 2,549 |
Loan loss allowance to noncurrent loans | 9.7047% | 6,901 |
Noncurrent assets plus other real estate owned to assets | 15.6608% | 114 |
Noncurrent loans to loans | 19.8506% | 56 |
Net loans and leases to total assets | 62.6490% | 3,579 |
Net loans and leases to deposits | 76.4995% | 3,248 |
Net loans and leases to core deposits | 79.3760% | 3,727 |
Total domestic deposits to total assets | 81.8947% | 5,135 |
Equity capital to assets | 17.7820% | 419 |
Core capital (leverage) ratio | 15.0114% | 662 |
Tier 1 risk-based capital ratio | 20.7824% | 1,501 |
Total risk-based capital ratio | 22.0381% | 1,473 |
Memoranda: | ||
Average total assets | $882,244,000 | 750 |
Average earning assets | $749,693,500 | 798 |
Average equity | $147,010,250 | 484 |
Average total loans | $563,497,750 | 757 |
2011-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.9233% | 117 |
Cost of funding earning assets | 1.2492% | 2,255 |
Net interest margin | 5.6741% | 135 |
Noninterest income to average assets | 0.5831% | 3,243 |
Noninterest expense to average assets | 4.0185% | 1,021 |
Loan and lease loss provision to assets | 0.0449% | 5,745 |
Net operating income to assets | 1.3554% | 1,184 |
Return on assets (ROA) | 1.3592% | 1,243 |
Pretax return on assets | 1.3042% | 2,126 |
Return on Equity (ROE) | 8.3685% | 2,776 |
Retained earnings to average equity (ytd only) | 8.3685% | 1,313 |
Net charge-offs to loans | 0.2020% | 3,936 |
Credit loss provision to net charge-offs | 34.8457% | 4,908 |
Earnings coverage of net charge-offs (x) | 10.4301% | 1,810 |
Efficiency ratio | 73.8969% | 3,377 |
Assets per employee ($millions) | 5.5602% | 1,515 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8338% | 2,877 |
Loan loss allowance to noncurrent loans | 10.9437% | 6,932 |
Noncurrent assets plus other real estate owned to assets | 13.3844% | 195 |
Noncurrent loans to loans | 16.7563% | 104 |
Net loans and leases to total assets | 62.5118% | 3,790 |
Net loans and leases to deposits | 76.5092% | 3,374 |
Net loans and leases to core deposits | 79.0022% | 3,930 |
Total domestic deposits to total assets | 81.7050% | 5,272 |
Equity capital to assets | 16.9215% | 491 |
Core capital (leverage) ratio | 14.4203% | 777 |
Tier 1 risk-based capital ratio | 19.7079% | 1,669 |
Total risk-based capital ratio | 20.9624% | 1,643 |
Memoranda: | ||
Average total assets | $854,342,670 | 777 |
Average earning assets | $719,826,670 | 845 |
Average equity | $138,758,670 | 509 |
Average total loans | $545,649,000 | 787 |
2011-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 7.5583% | 74 |
Cost of funding earning assets | 1.4069% | 1,573 |
Net interest margin | 6.1514% | 87 |
Noninterest income to average assets | 0.7594% | 2,221 |
Noninterest expense to average assets | 4.3738% | 672 |
Loan and lease loss provision to assets | 0.0978% | 4,784 |
Net operating income to assets | 1.5296% | 819 |
Return on assets (ROA) | 1.5373% | 848 |
Pretax return on assets | 1.5414% | 1,320 |
Return on Equity (ROE) | 9.7262% | 2,197 |
Retained earnings to average equity (ytd only) | 9.7262% | 1,172 |
Net charge-offs to loans | 0.2577% | 3,041 |
Credit loss provision to net charge-offs | 59.3168% | 3,559 |
Earnings coverage of net charge-offs (x) | 9.8944% | 1,680 |
Efficiency ratio | 71.8342% | 3,904 |
Assets per employee ($millions) | 5.4894% | 1,586 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8276% | 2,926 |
Loan loss allowance to noncurrent loans | 10.0923% | 7,011 |
Noncurrent assets plus other real estate owned to assets | 14.8392% | 162 |
Noncurrent loans to loans | 18.1091% | 89 |
Net loans and leases to total assets | 63.0225% | 3,646 |
Net loans and leases to deposits | 76.3749% | 3,361 |
Net loans and leases to core deposits | 79.4448% | 3,830 |
Total domestic deposits to total assets | 82.5173% | 5,103 |
Equity capital to assets | 16.3293% | 519 |
Core capital (leverage) ratio | 13.1702% | 1,073 |
Tier 1 risk-based capital ratio | 19.2972% | 1,736 |
Total risk-based capital ratio | 20.5519% | 1,702 |
Memoranda: | ||
Average total assets | $781,099,500 | 865 |
Average earning assets | $666,129,000 | 915 |
Average equity | $123,460,500 | 563 |
Average total loans | $499,812,000 | 880 |
2010-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6868% | 5,843 |
Cost of funding earning assets | 1.1986% | 4,572 |
Net interest margin | 3.4883% | 5,290 |
Noninterest income to average assets | 0.4371% | 4,614 |
Noninterest expense to average assets | 5.5715% | 288 |
Loan and lease loss provision to assets | 4.8578% | 85 |
Net operating income to assets | -7.6911% | 7,614 |
Return on assets (ROA) | -7.6911% | 7,616 |
Pretax return on assets | -6.8311% | 7,608 |
Return on Equity (ROE) | -46.0842% | 7,395 |
Retained earnings to average equity (ytd only) | -46.0842% | 7,390 |
Net charge-offs to loans | 5.8516% | 105 |
Credit loss provision to net charge-offs | 122.6667% | 3,407 |
Earnings coverage of net charge-offs (x) | -0.4983% | 6,453 |
Efficiency ratio | 154.7752% | 191 |
Assets per employee ($millions) | 5.4665% | 1,619 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.4646% | 606 |
Loan loss allowance to noncurrent loans | 24.4271% | 6,627 |
Noncurrent assets plus other real estate owned to assets | 12.2277% | 266 |
Noncurrent loans to loans | 14.1834% | 191 |
Net loans and leases to total assets | 61.3992% | 4,420 |
Net loans and leases to deposits | 76.1343% | 3,818 |
Net loans and leases to core deposits | 82.1526% | 3,892 |
Total domestic deposits to total assets | 80.6459% | 5,643 |
Equity capital to assets | 14.8339% | 828 |
Core capital (leverage) ratio | 14.4834% | 750 |
Tier 1 risk-based capital ratio | 20.0705% | 1,475 |
Total risk-based capital ratio | 21.3423% | 1,440 |
Memoranda: | ||
Average total assets | $481,594,200 | 1,395 |
Average earning assets | $436,436,000 | 1,395 |
Average equity | $80,374,600 | 822 |
Average total loans | $325,927,000 | 1,372 |
2010-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5398% | 6,497 |
Cost of funding earning assets | 1.2124% | 4,786 |
Net interest margin | 3.3274% | 5,932 |
Noninterest income to average assets | 0.3880% | 5,055 |
Noninterest expense to average assets | 5.3372% | 299 |
Loan and lease loss provision to assets | 6.1675% | 43 |
Net operating income to assets | -9.1339% | 7,739 |
Return on assets (ROA) | -9.1339% | 7,738 |
Pretax return on assets | -8.0893% | 7,731 |
Return on Equity (ROE) | -52.9990% | 7,578 |
Retained earnings to average equity (ytd only) | -52.9990% | 7,576 |
Net charge-offs to loans | 7.1918% | 60 |
Credit loss provision to net charge-offs | 124.5155% | 3,289 |
Earnings coverage of net charge-offs (x) | -0.3880% | 6,284 |
Efficiency ratio | 156.2668% | 175 |
Assets per employee ($millions) | 5.9780% | 1,259 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.3431% | 607 |
Loan loss allowance to noncurrent loans | 27.0856% | 6,509 |
Noncurrent assets plus other real estate owned to assets | 10.3590% | 377 |
Noncurrent loans to loans | 12.3426% | 266 |
Net loans and leases to total assets | 60.8941% | 4,740 |
Net loans and leases to deposits | 75.9202% | 4,194 |
Net loans and leases to core deposits | 83.6725% | 3,997 |
Total domestic deposits to total assets | 80.2080% | 5,635 |
Equity capital to assets | 15.3570% | 806 |
Core capital (leverage) ratio | 18.8918% | 303 |
Tier 1 risk-based capital ratio | 20.3632% | 1,473 |
Total risk-based capital ratio | 21.6329% | 1,444 |
Memoranda: | ||
Average total assets | $465,329,250 | 1,453 |
Average earning assets | $423,386,000 | 1,453 |
Average equity | $80,195,750 | 818 |
Average total loans | $320,487,000 | 1,417 |
2010-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8867% | 5,453 |
Cost of funding earning assets | 1.3723% | 4,042 |
Net interest margin | 3.5144% | 5,198 |
Noninterest income to average assets | 0.1201% | 7,002 |
Noninterest expense to average assets | 6.0362% | 223 |
Loan and lease loss provision to assets | 8.8719% | 13 |
Net operating income to assets | -7.2195% | 7,777 |
Return on assets (ROA) | -7.2195% | 7,780 |
Pretax return on assets | -11.5755% | 7,817 |
Return on Equity (ROE) | -39.9788% | 7,532 |
Retained earnings to average equity (ytd only) | -39.9788% | 7,525 |
Net charge-offs to loans | 9.6035% | 38 |
Credit loss provision to net charge-offs | 129.2929% | 3,115 |
Earnings coverage of net charge-offs (x) | -0.3940% | 5,979 |
Efficiency ratio | 181.1247% | 125 |
Assets per employee ($millions) | 5.5330% | 1,590 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
Condition Ratios (%) | ||
Loss allowance to loans | 4.1342% | 328 |
Loan loss allowance to noncurrent loans | 56.1606% | 4,564 |
Noncurrent assets plus other real estate owned to assets | 7.8242% | 638 |
Noncurrent loans to loans | 7.3613% | 737 |
Net loans and leases to total assets | 62.3781% | 4,608 |
Net loans and leases to deposits | 81.3090% | 3,381 |
Net loans and leases to core deposits | 91.4570% | 3,065 |
Total domestic deposits to total assets | 76.7174% | 6,560 |
Equity capital to assets | 20.1680% | 276 |
Core capital (leverage) ratio | 17.0421% | 436 |
Tier 1 risk-based capital ratio | 22.6601% | 1,102 |
Total risk-based capital ratio | 23.9397% | 1,083 |
Memoranda: | ||
Average total assets | $431,135,000 | 1,587 |
Average earning assets | $394,090,330 | 1,573 |
Average equity | $77,856,330 | 840 |
Average total loans | $308,054,000 | 1,486 |
2010-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9433% | 5,259 |
Cost of funding earning assets | 1.4563% | 3,827 |
Net interest margin | 3.4870% | 5,216 |
Noninterest income to average assets | 0.1136% | 7,123 |
Noninterest expense to average assets | 5.7253% | 247 |
Loan and lease loss provision to assets | 7.4773% | 69 |
Net operating income to assets | -6.1569% | 7,822 |
Return on assets (ROA) | -6.1569% | 7,824 |
Pretax return on assets | -9.8709% | 7,893 |
Return on Equity (ROE) | -36.3456% | 7,625 |
Retained earnings to average equity (ytd only) | -36.3456% | 7,607 |
Net charge-offs to loans | 6.5425% | 155 |
Credit loss provision to net charge-offs | 152.7160% | 2,347 |
Earnings coverage of net charge-offs (x) | -0.4889% | 5,277 |
Efficiency ratio | 171.8466% | 137 |
Assets per employee ($millions) | 6.3828% | 1,057 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.3379% | 614 |
Loan loss allowance to noncurrent loans | 82.1799% | 3,328 |
Noncurrent assets plus other real estate owned to assets | 5.0697% | 1,259 |
Noncurrent loans to loans | 4.0616% | 1,920 |
Net loans and leases to total assets | 66.7782% | 3,684 |
Net loans and leases to deposits | 88.5397% | 2,123 |
Net loans and leases to core deposits | 102.4566% | 1,858 |
Total domestic deposits to total assets | 75.4219% | 6,843 |
Equity capital to assets | 21.7221% | 218 |
Core capital (leverage) ratio | 21.5009% | 200 |
Tier 1 risk-based capital ratio | 26.2749% | 753 |
Total risk-based capital ratio | 27.5472% | 742 |
Memoranda: | ||
Average total assets | $422,615,000 | 1,650 |
Average earning assets | $390,025,000 | 1,624 |
Average equity | $71,590,500 | 926 |
Average total loans | $316,271,500 | 1,492 |
2009-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.4865% | 4,215 |
Cost of funding earning assets | 1.9295% | 3,308 |
Net interest margin | 3.5570% | 4,709 |
Noninterest income to average assets | 0.1336% | 7,087 |
Noninterest expense to average assets | 3.0472% | 3,958 |
Loan and lease loss provision to assets | 3.0713% | 557 |
Net operating income to assets | -1.6491% | 6,933 |
Return on assets (ROA) | -1.6491% | 6,939 |
Pretax return on assets | -2.6441% | 7,190 |
Return on Equity (ROE) | -14.1901% | 6,888 |
Retained earnings to average equity (ytd only) | -14.1901% | 6,828 |
Net charge-offs to loans | 2.8576% | 765 |
Credit loss provision to net charge-offs | 131.2473% | 3,863 |
Earnings coverage of net charge-offs (x) | 0.1826% | 5,967 |
Efficiency ratio | 87.7028% | 1,913 |
Assets per employee ($millions) | 5.6007% | 1,559 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.4175% | 1,337 |
Loan loss allowance to noncurrent loans | 70.1836% | 3,903 |
Noncurrent assets plus other real estate owned to assets | 5.3572% | 1,100 |
Noncurrent loans to loans | 3.4445% | 2,207 |
Net loans and leases to total assets | 79.5164% | 1,085 |
Net loans and leases to deposits | 95.0973% | 1,445 |
Net loans and leases to core deposits | 141.0892% | 770 |
Total domestic deposits to total assets | 83.6159% | 4,226 |
Equity capital to assets | 11.4120% | 2,384 |
Core capital (leverage) ratio | 10.1654% | 2,930 |
Tier 1 risk-based capital ratio | 11.5937% | 5,301 |
Total risk-based capital ratio | 12.8557% | 5,245 |
Memoranda: | ||
Average total assets | $397,418,200 | 1,729 |
Average earning assets | $373,261,200 | 1,684 |
Average equity | $46,187,200 | 1,458 |
Average total loans | $325,446,800 | 1,481 |
2009-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.4701% | 4,578 |
Cost of funding earning assets | 2.0174% | 3,267 |
Net interest margin | 3.4527% | 5,064 |
Noninterest income to average assets | 0.1307% | 7,225 |
Noninterest expense to average assets | 2.9591% | 4,211 |
Loan and lease loss provision to assets | 2.5796% | 632 |
Net operating income to assets | -1.3418% | 7,036 |
Return on assets (ROA) | -1.3418% | 7,032 |
Pretax return on assets | -2.1513% | 7,232 |
Return on Equity (ROE) | -11.4945% | 6,990 |
Retained earnings to average equity (ytd only) | -11.4945% | 6,918 |
Net charge-offs to loans | 2.9660% | 570 |
Credit loss provision to net charge-offs | 106.0773% | 4,797 |
Earnings coverage of net charge-offs (x) | 0.1761% | 5,847 |
Efficiency ratio | 87.3556% | 1,934 |
Assets per employee ($millions) | 5.7408% | 1,391 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6525% | 2,797 |
Loan loss allowance to noncurrent loans | 32.2124% | 6,291 |
Noncurrent assets plus other real estate owned to assets | 6.5370% | 766 |
Noncurrent loans to loans | 5.1301% | 1,262 |
Net loans and leases to total assets | 79.0131% | 1,391 |
Net loans and leases to deposits | 93.6901% | 1,932 |
Net loans and leases to core deposits | 142.8027% | 806 |
Total domestic deposits to total assets | 84.3346% | 3,558 |
Equity capital to assets | 12.0132% | 2,233 |
Core capital (leverage) ratio | 11.2263% | 2,242 |
Tier 1 risk-based capital ratio | 12.7413% | 4,357 |
Total risk-based capital ratio | 13.9947% | 4,305 |
Memoranda: | ||
Average total assets | $398,760,000 | 1,739 |
Average earning assets | $376,122,500 | 1,686 |
Average equity | $46,548,750 | 1,469 |
Average total loans | $326,941,500 | 1,487 |
2009-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.4995% | 4,639 |
Cost of funding earning assets | 2.1025% | 3,254 |
Net interest margin | 3.3970% | 5,185 |
Noninterest income to average assets | 0.1416% | 7,241 |
Noninterest expense to average assets | 3.0427% | 3,904 |
Loan and lease loss provision to assets | 2.2645% | 707 |
Net operating income to assets | -1.2151% | 7,118 |
Return on assets (ROA) | -1.2151% | 7,127 |
Pretax return on assets | -1.9482% | 7,273 |
Return on Equity (ROE) | -10.5101% | 7,075 |
Retained earnings to average equity (ytd only) | -10.5101% | 6,925 |
Net charge-offs to loans | 3.4471% | 457 |
Credit loss provision to net charge-offs | 79.5954% | 5,213 |
Earnings coverage of net charge-offs (x) | 0.1112% | 5,561 |
Efficiency ratio | 90.5840% | 1,761 |
Assets per employee ($millions) | 5.8636% | 1,299 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1385% | 5,338 |
Loan loss allowance to noncurrent loans | 77.2987% | 3,618 |
Noncurrent assets plus other real estate owned to assets | 3.7047% | 1,659 |
Noncurrent loans to loans | 1.4729% | 4,287 |
Net loans and leases to total assets | 77.3663% | 1,892 |
Net loans and leases to deposits | 97.7871% | 1,555 |
Net loans and leases to core deposits | 151.4891% | 614 |
Total domestic deposits to total assets | 79.1170% | 5,779 |
Equity capital to assets | 11.6171% | 2,456 |
Core capital (leverage) ratio | 11.6918% | 1,983 |
Tier 1 risk-based capital ratio | 13.3941% | 3,871 |
Total risk-based capital ratio | 14.4271% | 3,942 |
Memoranda: | ||
Average total assets | $399,642,000 | 1,760 |
Average earning assets | $378,509,000 | 1,711 |
Average equity | $46,203,000 | 1,488 |
Average total loans | $329,841,670 | 1,512 |
2009-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.4524% | 5,168 |
Cost of funding earning assets | 2.2480% | 2,926 |
Net interest margin | 3.2044% | 5,845 |
Noninterest income to average assets | 0.1451% | 7,252 |
Noninterest expense to average assets | 2.9170% | 4,098 |
Loan and lease loss provision to assets | 2.1865% | 538 |
Net operating income to assets | -1.1861% | 7,357 |
Return on assets (ROA) | -1.1861% | 7,372 |
Pretax return on assets | -1.9024% | 7,504 |
Return on Equity (ROE) | -10.2853% | 7,380 |
Retained earnings to average equity (ytd only) | -10.2853% | 7,136 |
Net charge-offs to loans | 3.9742% | 307 |
Credit loss provision to net charge-offs | 64.9096% | 4,441 |
Earnings coverage of net charge-offs (x) | 0.0843% | 4,918 |
Efficiency ratio | 91.1252% | 1,641 |
Assets per employee ($millions) | 5.7325% | 1,374 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1034% | 5,447 |
Loan loss allowance to noncurrent loans | 60.1647% | 4,590 |
Noncurrent assets plus other real estate owned to assets | 3.3329% | 1,639 |
Noncurrent loans to loans | 1.8339% | 3,512 |
Net loans and leases to total assets | 80.4243% | 1,310 |
Net loans and leases to deposits | 99.3038% | 1,499 |
Net loans and leases to core deposits | 158.3523% | 517 |
Total domestic deposits to total assets | 80.9881% | 4,978 |
Equity capital to assets | 11.6748% | 2,465 |
Core capital (leverage) ratio | 11.8870% | 1,950 |
Tier 1 risk-based capital ratio | 13.0900% | 4,131 |
Total risk-based capital ratio | 14.1076% | 4,205 |
Memoranda: | ||
Average total assets | $394,236,000 | 1,786 |
Average earning assets | $375,984,500 | 1,726 |
Average equity | $45,463,000 | 1,516 |
Average total loans | $334,157,500 | 1,502 |
2008-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.2379% | 4,312 |
Cost of funding earning assets | 2.6948% | 3,178 |
Net interest margin | 3.5431% | 5,130 |
Noninterest income to average assets | 0.1770% | 7,168 |
Noninterest expense to average assets | 3.0551% | 3,878 |
Loan and lease loss provision to assets | 0.4341% | 3,122 |
Net operating income to assets | 0.0692% | 6,184 |
Return on assets (ROA) | 0.0692% | 6,039 |
Pretax return on assets | 0.0942% | 5,956 |
Return on Equity (ROE) | 0.6254% | 6,027 |
Retained earnings to average equity (ytd only) | 0.6254% | 4,867 |
Net charge-offs to loans | 0.1386% | 4,838 |
Credit loss provision to net charge-offs | 356.3715% | 1,251 |
Earnings coverage of net charge-offs (x) | 4.3369% | 4,015 |
Efficiency ratio | 85.2581% | 1,926 |
Assets per employee ($millions) | 5.2256% | 1,707 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4280% | 3,039 |
Loan loss allowance to noncurrent loans | 32.2855% | 6,572 |
Noncurrent assets plus other real estate owned to assets | 3.9343% | 1,059 |
Noncurrent loans to loans | 4.4229% | 1,080 |
Net loans and leases to total assets | 87.1675% | 457 |
Net loans and leases to deposits | 102.1300% | 1,575 |
Net loans and leases to core deposits | 166.3370% | 469 |
Total domestic deposits to total assets | 85.3495% | 2,687 |
Equity capital to assets | 11.3795% | 2,719 |
Core capital (leverage) ratio | 11.0024% | 2,591 |
Tier 1 risk-based capital ratio | 12.2246% | 4,652 |
Total risk-based capital ratio | 13.4761% | 4,538 |
Memoranda: | ||
Average total assets | $380,120,000 | 1,777 |
Average earning assets | $365,441,400 | 1,703 |
Average equity | $42,050,800 | 1,591 |
Average total loans | $334,137,000 | 1,455 |