Home > Private Bank of Buckhead > Performance and Condition Ratios
Private Bank of Buckhead, Performance and Condition Ratios
2016-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1448% | 458 |
Cost of funding earning assets | 0.2770% | 4,286 |
Net interest margin | 4.8678% | 307 |
Noninterest income to average assets | 2.9391% | 210 |
Noninterest expense to average assets | 6.0011% | 164 |
Loan and lease loss provision to assets | 0.1794% | 1,334 |
Net operating income to assets | 1.4684% | 887 |
Return on assets (ROA) | 1.4684% | 912 |
Pretax return on assets | 1.4684% | 1,689 |
Return on Equity (ROE) | 17.5921% | 355 |
Retained earnings to average equity (ytd only) | 10.1245% | 392 |
Net charge-offs to loans | 0.0434% | 3,164 |
Credit loss provision to net charge-offs | 463.5593% | 698 |
Earnings coverage of net charge-offs (x) | 42.5678% | 1,134 |
Efficiency ratio | 78.4569% | 1,635 |
Assets per employee ($millions) | 3.1006% | 5,263 |
Cash dividends to net income (ytd only)* | 42.4486% | 2,748 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1343% | 3,521 |
Loan loss allowance to noncurrent loans | 933.8983% | 649 |
Noncurrent assets plus other real estate owned to assets | 0.1098% | 4,870 |
Noncurrent loans to loans | 0.1215% | 4,748 |
Net loans and leases to total assets | 89.3597% | 85 |
Net loans and leases to deposits | 98.8640% | 750 |
Net loans and leases to core deposits | 103.8214% | 1,296 |
Total domestic deposits to total assets | 90.3865% | 483 |
Equity capital to assets | 8.4522% | 5,307 |
Core capital (leverage) ratio | 8.1548% | 5,532 |
Tier 1 risk-based capital ratio | 9.7002% | 5,794 |
Total risk-based capital ratio | 10.8647% | 5,789 |
Memoranda: | ||
Average total assets | $304,825,600 | 2,140 |
Average earning assets | $294,940,200 | 2,074 |
Average equity | $25,443,200 | 2,681 |
Average total loans | $271,835,800 | 1,662 |
2016-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1124% | 487 |
Cost of funding earning assets | 0.2751% | 4,338 |
Net interest margin | 4.8373% | 338 |
Noninterest income to average assets | 2.7992% | 226 |
Noninterest expense to average assets | 5.8282% | 180 |
Loan and lease loss provision to assets | 0.2272% | 889 |
Net operating income to assets | 1.4184% | 1,034 |
Return on assets (ROA) | 1.4224% | 1,074 |
Pretax return on assets | 1.4224% | 1,958 |
Return on Equity (ROE) | 17.0996% | 436 |
Retained earnings to average equity (ytd only) | 6.9626% | 1,646 |
Net charge-offs to loans | 0.0594% | 2,500 |
Credit loss provision to net charge-offs | 430.2521% | 800 |
Earnings coverage of net charge-offs (x) | 31.1602% | 1,449 |
Efficiency ratio | 77.9810% | 1,693 |
Assets per employee ($millions) | 3.1976% | 5,182 |
Cash dividends to net income (ytd only)* | 59.2823% | 1,443 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1378% | 3,628 |
Loan loss allowance to noncurrent loans | 898.3516% | 645 |
Noncurrent assets plus other real estate owned to assets | 0.1105% | 4,981 |
Noncurrent loans to loans | 0.1267% | 4,832 |
Net loans and leases to total assets | 86.2674% | 238 |
Net loans and leases to deposits | 102.4069% | 543 |
Net loans and leases to core deposits | 108.1313% | 1,043 |
Total domestic deposits to total assets | 84.2398% | 3,128 |
Equity capital to assets | 7.9862% | 5,741 |
Core capital (leverage) ratio | 8.2542% | 5,536 |
Tier 1 risk-based capital ratio | 9.4165% | 5,888 |
Total risk-based capital ratio | 10.5888% | 5,891 |
Memoranda: | ||
Average total assets | $300,416,500 | 2,175 |
Average earning assets | $290,319,000 | 2,102 |
Average equity | $24,990,250 | 2,737 |
Average total loans | $266,930,500 | 1,694 |
2016-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1412% | 463 |
Cost of funding earning assets | 0.2831% | 4,313 |
Net interest margin | 4.8582% | 336 |
Noninterest income to average assets | 2.6922% | 235 |
Noninterest expense to average assets | 5.8060% | 184 |
Loan and lease loss provision to assets | 0.2758% | 671 |
Net operating income to assets | 1.3089% | 1,248 |
Return on assets (ROA) | 1.3083% | 1,350 |
Pretax return on assets | 1.3083% | 2,372 |
Return on Equity (ROE) | 15.4932% | 612 |
Retained earnings to average equity (ytd only) | 0.0163% | 5,283 |
Net charge-offs to loans | 0.0923% | 1,916 |
Credit loss provision to net charge-offs | 334.1667% | 884 |
Earnings coverage of net charge-offs (x) | 19.2000% | 1,789 |
Efficiency ratio | 78.5575% | 1,703 |
Assets per employee ($millions) | 2.9123% | 5,520 |
Cash dividends to net income (ytd only)* | 99.8948% | 510 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1819% | 3,450 |
Loan loss allowance to noncurrent loans | 562.9234% | 976 |
Noncurrent assets plus other real estate owned to assets | 0.1926% | 4,714 |
Noncurrent loans to loans | 0.2100% | 4,599 |
Net loans and leases to total assets | 90.6632% | 52 |
Net loans and leases to deposits | 103.9822% | 461 |
Net loans and leases to core deposits | 110.5000% | 906 |
Total domestic deposits to total assets | 87.1911% | 1,813 |
Equity capital to assets | 8.5848% | 5,547 |
Core capital (leverage) ratio | 8.3821% | 5,461 |
Tier 1 risk-based capital ratio | 9.7941% | 5,898 |
Total risk-based capital ratio | 11.0331% | 5,866 |
Memoranda: | ||
Average total assets | $290,770,000 | 2,241 |
Average earning assets | $281,217,330 | 2,165 |
Average equity | $24,552,670 | 2,785 |
Average total loans | $260,108,330 | 1,736 |
2016-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1260% | 472 |
Cost of funding earning assets | 0.2826% | 4,359 |
Net interest margin | 4.8434% | 334 |
Noninterest income to average assets | 2.3281% | 277 |
Noninterest expense to average assets | 5.4575% | 216 |
Loan and lease loss provision to assets | 0.3332% | 452 |
Net operating income to assets | 1.2088% | 1,525 |
Return on assets (ROA) | 1.2198% | 1,595 |
Pretax return on assets | 1.2198% | 2,619 |
Return on Equity (ROE) | 14.5676% | 734 |
Retained earnings to average equity (ytd only) | 14.5676% | 277 |
Net charge-offs to loans | 0.1871% | 1,046 |
Credit loss provision to net charge-offs | 201.6667% | 1,073 |
Earnings coverage of net charge-offs (x) | 9.3333% | 1,991 |
Efficiency ratio | 77.9701% | 1,903 |
Assets per employee ($millions) | 3.1981% | 5,285 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1389% | 3,845 |
Loan loss allowance to noncurrent loans | 500.5008% | 1,016 |
Noncurrent assets plus other real estate owned to assets | 0.1993% | 4,762 |
Noncurrent loans to loans | 0.2275% | 4,614 |
Net loans and leases to total assets | 86.5664% | 188 |
Net loans and leases to deposits | 107.8366% | 287 |
Net loans and leases to core deposits | 114.6229% | 643 |
Total domestic deposits to total assets | 80.2755% | 4,686 |
Equity capital to assets | 7.9627% | 5,836 |
Core capital (leverage) ratio | 8.3104% | 5,561 |
Tier 1 risk-based capital ratio | 9.3647% | 6,024 |
Total risk-based capital ratio | 10.5370% | 6,022 |
Memoranda: | ||
Average total assets | $290,538,000 | 2,244 |
Average earning assets | $280,217,000 | 2,178 |
Average equity | $24,328,000 | 2,805 |
Average total loans | $256,562,500 | 1,752 |
2015-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0614% | 556 |
Cost of funding earning assets | 0.2835% | 4,438 |
Net interest margin | 4.7779% | 396 |
Noninterest income to average assets | 2.7900% | 230 |
Noninterest expense to average assets | 5.3156% | 225 |
Loan and lease loss provision to assets | -0.0160% | 5,653 |
Net operating income to assets | 2.0698% | 309 |
Return on assets (ROA) | 2.0474% | 331 |
Pretax return on assets | 2.0474% | 487 |
Return on Equity (ROE) | 22.6991% | 145 |
Retained earnings to average equity (ytd only) | 22.6991% | 51 |
Net charge-offs to loans | 0.0911% | 2,525 |
Credit loss provision to net charge-offs | -20.7921% | 4,990 |
Earnings coverage of net charge-offs (x) | 26.7525% | 1,571 |
Efficiency ratio | 72.1300% | 2,889 |
Assets per employee ($millions) | 3.2610% | 5,207 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1509% | 3,746 |
Loan loss allowance to noncurrent loans | 429.2537% | 1,196 |
Noncurrent assets plus other real estate owned to assets | 0.2389% | 4,638 |
Noncurrent loans to loans | 0.2681% | 4,485 |
Net loans and leases to total assets | 88.0763% | 121 |
Net loans and leases to deposits | 114.7555% | 158 |
Net loans and leases to core deposits | 121.6828% | 434 |
Total domestic deposits to total assets | 76.7513% | 5,358 |
Equity capital to assets | 8.8137% | 5,293 |
Core capital (leverage) ratio | 9.1295% | 4,715 |
Tier 1 risk-based capital ratio | 10.4586% | 5,794 |
Total risk-based capital ratio | 11.6636% | 5,740 |
Memoranda: | ||
Average total assets | $263,114,200 | 2,397 |
Average earning assets | $252,180,800 | 2,325 |
Average equity | $23,732,200 | 2,806 |
Average total loans | $221,827,200 | 1,913 |
2015-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1178% | 502 |
Cost of funding earning assets | 0.2844% | 4,510 |
Net interest margin | 4.8334% | 351 |
Noninterest income to average assets | 2.9873% | 211 |
Noninterest expense to average assets | 5.3568% | 227 |
Loan and lease loss provision to assets | -0.0907% | 5,982 |
Net operating income to assets | 2.3443% | 203 |
Return on assets (ROA) | 2.3180% | 218 |
Pretax return on assets | 2.3180% | 327 |
Return on Equity (ROE) | 25.5411% | 106 |
Retained earnings to average equity (ytd only) | 25.5411% | 43 |
Net charge-offs to loans | 0.1397% | 1,729 |
Credit loss provision to net charge-offs | -78.2222% | 5,019 |
Earnings coverage of net charge-offs (x) | 19.4401% | 1,937 |
Efficiency ratio | 70.3879% | 3,151 |
Assets per employee ($millions) | 2.8476% | 5,706 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2119% | 3,582 |
Loan loss allowance to noncurrent loans | 461.0169% | 1,102 |
Noncurrent assets plus other real estate owned to assets | 0.8581% | 2,736 |
Noncurrent loans to loans | 0.2629% | 4,636 |
Net loans and leases to total assets | 84.6339% | 335 |
Net loans and leases to deposits | 98.3451% | 793 |
Net loans and leases to core deposits | 103.9913% | 1,226 |
Total domestic deposits to total assets | 86.0580% | 2,495 |
Equity capital to assets | 9.1355% | 5,176 |
Core capital (leverage) ratio | 9.0309% | 4,960 |
Tier 1 risk-based capital ratio | 10.6547% | 5,822 |
Total risk-based capital ratio | 11.8585% | 5,763 |
Memoranda: | ||
Average total assets | $258,780,250 | 2,453 |
Average earning assets | $247,522,250 | 2,383 |
Average equity | $23,485,750 | 2,858 |
Average total loans | $214,812,500 | 1,966 |
2015-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0908% | 518 |
Cost of funding earning assets | 0.2854% | 4,557 |
Net interest margin | 4.8054% | 357 |
Noninterest income to average assets | 3.2874% | 195 |
Noninterest expense to average assets | 5.4836% | 227 |
Loan and lease loss provision to assets | -0.2755% | 6,217 |
Net operating income to assets | 2.6650% | 135 |
Return on assets (ROA) | 2.6332% | 149 |
Pretax return on assets | 2.6332% | 208 |
Return on Equity (ROE) | 29.0787% | 73 |
Retained earnings to average equity (ytd only) | 29.0787% | 34 |
Net charge-offs to loans | 0.2127% | 1,195 |
Credit loss provision to net charge-offs | -157.7778% | 4,985 |
Earnings coverage of net charge-offs (x) | 13.6844% | 2,110 |
Efficiency ratio | 69.6501% | 3,397 |
Assets per employee ($millions) | 2.9999% | 5,596 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1651% | 4,000 |
Loan loss allowance to noncurrent loans | 415.8756% | 1,222 |
Noncurrent assets plus other real estate owned to assets | 0.8595% | 2,838 |
Noncurrent loans to loans | 0.2801% | 4,671 |
Net loans and leases to total assets | 81.6547% | 590 |
Net loans and leases to deposits | 98.5737% | 746 |
Net loans and leases to core deposits | 103.4605% | 1,225 |
Total domestic deposits to total assets | 82.8362% | 4,011 |
Equity capital to assets | 9.2795% | 4,923 |
Core capital (leverage) ratio | 9.3748% | 4,457 |
Tier 1 risk-based capital ratio | 11.4092% | 5,522 |
Total risk-based capital ratio | 12.5703% | 5,496 |
Memoranda: | ||
Average total assets | $257,714,000 | 2,473 |
Average earning assets | $245,933,670 | 2,411 |
Average equity | $23,336,670 | 2,882 |
Average total loans | $211,602,330 | 2,001 |
2015-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1642% | 429 |
Cost of funding earning assets | 0.2906% | 4,544 |
Net interest margin | 4.8737% | 309 |
Noninterest income to average assets | 3.3248% | 196 |
Noninterest expense to average assets | 5.4742% | 228 |
Loan and lease loss provision to assets | 0.2388% | 712 |
Net operating income to assets | 2.2500% | 215 |
Return on assets (ROA) | 2.1997% | 244 |
Pretax return on assets | 2.1997% | 387 |
Return on Equity (ROE) | 24.6084% | 114 |
Retained earnings to average equity (ytd only) | 24.6084% | 48 |
Net charge-offs to loans | -0.0019% | 4,349 |
Credit loss provision to net charge-offs | -15,200.0000% | 5,334 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 68.7451% | 3,705 |
Assets per employee ($millions) | 3.3343% | 5,187 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5349% | 2,297 |
Loan loss allowance to noncurrent loans | 362.4585% | 1,334 |
Noncurrent assets plus other real estate owned to assets | 0.9722% | 2,674 |
Noncurrent loans to loans | 0.4235% | 4,322 |
Net loans and leases to total assets | 79.7102% | 717 |
Net loans and leases to deposits | 94.2291% | 954 |
Net loans and leases to core deposits | 98.6877% | 1,410 |
Total domestic deposits to total assets | 84.5919% | 3,583 |
Equity capital to assets | 8.6962% | 5,576 |
Core capital (leverage) ratio | 9.3905% | 4,446 |
Tier 1 risk-based capital ratio | 11.3067% | 5,658 |
Total risk-based capital ratio | 12.5613% | 5,567 |
Memoranda: | ||
Average total assets | $254,575,500 | 2,515 |
Average earning assets | $242,282,000 | 2,452 |
Average equity | $22,756,500 | 2,949 |
Average total loans | $208,352,500 | 2,022 |
2014-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2616% | 470 |
Cost of funding earning assets | 0.3664% | 4,069 |
Net interest margin | 4.8951% | 360 |
Noninterest income to average assets | 1.2961% | 724 |
Noninterest expense to average assets | 5.0156% | 301 |
Loan and lease loss provision to assets | 0.0027% | 4,550 |
Net operating income to assets | 0.9038% | 2,853 |
Return on assets (ROA) | 0.8551% | 3,189 |
Pretax return on assets | 0.8551% | 4,049 |
Return on Equity (ROE) | 8.7746% | 2,691 |
Retained earnings to average equity (ytd only) | 8.7746% | 752 |
Net charge-offs to loans | 0.0033% | 4,896 |
Credit loss provision to net charge-offs | 100.0000% | 2,387 |
Earnings coverage of net charge-offs (x) | 341.1667% | 158 |
Efficiency ratio | 84.6942% | 1,322 |
Assets per employee ($millions) | 3.4130% | 5,027 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5339% | 2,322 |
Loan loss allowance to noncurrent loans | 159.4788% | 2,676 |
Noncurrent assets plus other real estate owned to assets | 1.4711% | 1,869 |
Noncurrent loans to loans | 0.9618% | 2,922 |
Net loans and leases to total assets | 81.5275% | 574 |
Net loans and leases to deposits | 107.6829% | 305 |
Net loans and leases to core deposits | 114.2583% | 593 |
Total domestic deposits to total assets | 75.7107% | 5,784 |
Equity capital to assets | 9.1992% | 5,075 |
Core capital (leverage) ratio | 9.4997% | 4,238 |
Tier 1 risk-based capital ratio | 11.2790% | 5,777 |
Total risk-based capital ratio | 12.5329% | 5,693 |
Memoranda: | ||
Average total assets | $225,834,600 | 2,730 |
Average earning assets | $213,415,600 | 2,675 |
Average equity | $22,006,800 | 2,945 |
Average total loans | $180,810,200 | 2,215 |
2014-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2442% | 478 |
Cost of funding earning assets | 0.3825% | 3,989 |
Net interest margin | 4.8617% | 368 |
Noninterest income to average assets | 1.2641% | 757 |
Noninterest expense to average assets | 4.9998% | 311 |
Loan and lease loss provision to assets | -0.1020% | 6,278 |
Net operating income to assets | 0.9701% | 2,593 |
Return on assets (ROA) | 0.9297% | 2,871 |
Pretax return on assets | 0.9297% | 3,864 |
Return on Equity (ROE) | 9.3942% | 2,499 |
Retained earnings to average equity (ytd only) | 9.3942% | 873 |
Net charge-offs to loans | 0.0053% | 4,510 |
Credit loss provision to net charge-offs | -2,414.2857% | 5,990 |
Earnings coverage of net charge-offs (x) | 205.4973% | 314 |
Efficiency ratio | 85.2058% | 1,261 |
Assets per employee ($millions) | 3.5586% | 4,756 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5859% | 2,347 |
Loan loss allowance to noncurrent loans | 148.5124% | 2,763 |
Noncurrent assets plus other real estate owned to assets | 2.1832% | 1,267 |
Noncurrent loans to loans | 1.0679% | 2,939 |
Net loans and leases to total assets | 79.0087% | 832 |
Net loans and leases to deposits | 95.5447% | 920 |
Net loans and leases to core deposits | 101.0640% | 1,287 |
Total domestic deposits to total assets | 82.6929% | 4,237 |
Equity capital to assets | 10.1064% | 4,042 |
Core capital (leverage) ratio | 10.7130% | 2,805 |
Tier 1 risk-based capital ratio | 13.1041% | 4,797 |
Total risk-based capital ratio | 14.3582% | 4,722 |
Memoranda: | ||
Average total assets | $220,858,750 | 2,791 |
Average earning assets | $209,139,500 | 2,736 |
Average equity | $21,857,000 | 2,962 |
Average total loans | $175,146,500 | 2,292 |
2014-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2551% | 465 |
Cost of funding earning assets | 0.4059% | 3,812 |
Net interest margin | 4.8492% | 376 |
Noninterest income to average assets | 1.1979% | 813 |
Noninterest expense to average assets | 5.0401% | 306 |
Loan and lease loss provision to assets | 0.3855% | 446 |
Net operating income to assets | 0.3561% | 5,388 |
Return on assets (ROA) | 0.3257% | 5,554 |
Pretax return on assets | 0.3257% | 5,734 |
Return on Equity (ROE) | 3.3161% | 5,420 |
Retained earnings to average equity (ytd only) | 3.3161% | 4,088 |
Net charge-offs to loans | 0.0093% | 4,088 |
Credit loss provision to net charge-offs | 5,237.5000% | 67 |
Earnings coverage of net charge-offs (x) | 100.7500% | 555 |
Efficiency ratio | 87.1738% | 1,168 |
Assets per employee ($millions) | 3.7074% | 4,446 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9498% | 1,458 |
Loan loss allowance to noncurrent loans | 173.9045% | 2,394 |
Noncurrent assets plus other real estate owned to assets | 2.9462% | 870 |
Noncurrent loans to loans | 1.1212% | 2,977 |
Net loans and leases to total assets | 77.2699% | 1,009 |
Net loans and leases to deposits | 95.3304% | 855 |
Net loans and leases to core deposits | 100.7402% | 1,226 |
Total domestic deposits to total assets | 81.0548% | 4,961 |
Equity capital to assets | 9.5916% | 4,639 |
Core capital (leverage) ratio | 10.2262% | 3,299 |
Tier 1 risk-based capital ratio | 12.3925% | 5,305 |
Total risk-based capital ratio | 13.6508% | 5,218 |
Memoranda: | ||
Average total assets | $217,375,000 | 2,843 |
Average earning assets | $205,478,000 | 2,777 |
Average equity | $21,350,330 | 3,011 |
Average total loans | $171,628,670 | 2,323 |
2014-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.4020% | 348 |
Cost of funding earning assets | 0.4450% | 3,484 |
Net interest margin | 4.9570% | 296 |
Noninterest income to average assets | 0.9624% | 1,225 |
Noninterest expense to average assets | 5.0186% | 315 |
Loan and lease loss provision to assets | 0.3619% | 482 |
Net operating income to assets | 0.2671% | 5,605 |
Return on assets (ROA) | 0.2501% | 5,706 |
Pretax return on assets | 0.2501% | 5,825 |
Return on Equity (ROE) | 2.5140% | 5,621 |
Retained earnings to average equity (ytd only) | 2.5140% | 4,563 |
Net charge-offs to loans | -0.0240% | 5,438 |
Credit loss provision to net charge-offs | -1,910.0000% | 5,463 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 88.8628% | 1,146 |
Assets per employee ($millions) | 3.5306% | 4,862 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0210% | 1,474 |
Loan loss allowance to noncurrent loans | 157.1429% | 2,560 |
Noncurrent assets plus other real estate owned to assets | 3.1316% | 882 |
Noncurrent loans to loans | 1.2861% | 2,882 |
Net loans and leases to total assets | 73.5751% | 1,332 |
Net loans and leases to deposits | 90.1707% | 1,125 |
Net loans and leases to core deposits | 97.9933% | 1,238 |
Total domestic deposits to total assets | 81.5954% | 5,061 |
Equity capital to assets | 9.7690% | 4,141 |
Core capital (leverage) ratio | 10.3732% | 3,089 |
Tier 1 risk-based capital ratio | 13.6871% | 4,547 |
Total risk-based capital ratio | 14.9462% | 4,498 |
Memoranda: | ||
Average total assets | $211,133,500 | 2,911 |
Average earning assets | $199,556,500 | 2,856 |
Average equity | $21,002,000 | 3,053 |
Average total loans | $166,871,500 | 2,374 |
2013-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.5028% | 360 |
Cost of funding earning assets | 0.5394% | 3,200 |
Net interest margin | 4.9634% | 325 |
Noninterest income to average assets | 0.8183% | 1,991 |
Noninterest expense to average assets | 3.8535% | 1,052 |
Loan and lease loss provision to assets | 0.4922% | 573 |
Net operating income to assets | 1.1728% | 1,675 |
Return on assets (ROA) | 1.1622% | 1,772 |
Pretax return on assets | 1.1622% | 2,722 |
Return on Equity (ROE) | 12.8858% | 1,188 |
Retained earnings to average equity (ytd only) | 12.8858% | 249 |
Net charge-offs to loans | 0.4248% | 1,573 |
Credit loss provision to net charge-offs | 144.3198% | 1,612 |
Earnings coverage of net charge-offs (x) | 4.8822% | 3,431 |
Efficiency ratio | 69.8301% | 3,863 |
Assets per employee ($millions) | 4.9603% | 2,228 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8421% | 1,941 |
Loan loss allowance to noncurrent loans | 86.9808% | 3,965 |
Noncurrent assets plus other real estate owned to assets | 3.1951% | 962 |
Noncurrent loans to loans | 2.1179% | 1,865 |
Net loans and leases to total assets | 81.7462% | 432 |
Net loans and leases to deposits | 100.5060% | 458 |
Net loans and leases to core deposits | 110.1564% | 604 |
Total domestic deposits to total assets | 81.3346% | 5,091 |
Equity capital to assets | 10.1391% | 3,583 |
Core capital (leverage) ratio | 10.7021% | 2,677 |
Tier 1 risk-based capital ratio | 13.2700% | 4,810 |
Total risk-based capital ratio | 14.5272% | 4,742 |
Memoranda: | ||
Average total assets | $209,080,000 | 2,924 |
Average earning assets | $197,989,200 | 2,851 |
Average equity | $18,858,000 | 3,293 |
Average total loans | $167,841,800 | 2,328 |
2013-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.4526% | 401 |
Cost of funding earning assets | 0.5477% | 3,284 |
Net interest margin | 4.9050% | 364 |
Noninterest income to average assets | 0.9045% | 1,747 |
Noninterest expense to average assets | 3.8212% | 1,055 |
Loan and lease loss provision to assets | 0.5244% | 515 |
Net operating income to assets | 1.2047% | 1,615 |
Return on assets (ROA) | 1.1977% | 1,715 |
Pretax return on assets | 1.1977% | 2,704 |
Return on Equity (ROE) | 13.6895% | 1,071 |
Retained earnings to average equity (ytd only) | 13.6895% | 279 |
Net charge-offs to loans | 0.3710% | 1,716 |
Credit loss provision to net charge-offs | 177.6824% | 1,357 |
Earnings coverage of net charge-offs (x) | 5.8583% | 3,089 |
Efficiency ratio | 68.8463% | 3,940 |
Assets per employee ($millions) | 5.8794% | 1,323 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8371% | 2,184 |
Loan loss allowance to noncurrent loans | 67.0193% | 4,541 |
Noncurrent assets plus other real estate owned to assets | 3.1106% | 1,176 |
Noncurrent loans to loans | 2.7411% | 1,537 |
Net loans and leases to total assets | 82.2620% | 351 |
Net loans and leases to deposits | 100.4778% | 450 |
Net loans and leases to core deposits | 110.5207% | 562 |
Total domestic deposits to total assets | 81.8708% | 4,968 |
Equity capital to assets | 9.9228% | 4,020 |
Core capital (leverage) ratio | 10.5677% | 2,930 |
Tier 1 risk-based capital ratio | 12.9099% | 5,188 |
Total risk-based capital ratio | 14.1672% | 5,122 |
Memoranda: | ||
Average total assets | $210,507,250 | 2,935 |
Average earning assets | $199,385,000 | 2,859 |
Average equity | $18,417,500 | 3,384 |
Average total loans | $167,460,250 | 2,337 |
2013-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3972% | 451 |
Cost of funding earning assets | 0.5665% | 3,252 |
Net interest margin | 4.8307% | 415 |
Noninterest income to average assets | 1.0166% | 1,484 |
Noninterest expense to average assets | 3.5882% | 1,435 |
Loan and lease loss provision to assets | 0.4989% | 547 |
Net operating income to assets | 1.4890% | 919 |
Return on assets (ROA) | 1.4985% | 972 |
Pretax return on assets | 1.4985% | 1,623 |
Return on Equity (ROE) | 17.9039% | 463 |
Retained earnings to average equity (ytd only) | 17.9039% | 128 |
Net charge-offs to loans | 0.2581% | 2,175 |
Credit loss provision to net charge-offs | 247.1963% | 1,023 |
Earnings coverage of net charge-offs (x) | 9.8505% | 2,228 |
Efficiency ratio | 64.3497% | 4,819 |
Assets per employee ($millions) | 6.0612% | 1,162 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8397% | 2,295 |
Loan loss allowance to noncurrent loans | 78.8675% | 4,070 |
Noncurrent assets plus other real estate owned to assets | 3.9358% | 892 |
Noncurrent loans to loans | 2.3326% | 2,021 |
Net loans and leases to total assets | 80.7804% | 462 |
Net loans and leases to deposits | 100.3756% | 405 |
Net loans and leases to core deposits | 111.7178% | 490 |
Total domestic deposits to total assets | 80.4781% | 5,485 |
Equity capital to assets | 8.5452% | 5,722 |
Core capital (leverage) ratio | 8.9550% | 5,071 |
Tier 1 risk-based capital ratio | 11.1881% | 6,252 |
Total risk-based capital ratio | 12.4460% | 6,218 |
Memoranda: | ||
Average total assets | $212,083,330 | 2,938 |
Average earning assets | $200,177,330 | 2,871 |
Average equity | $17,750,330 | 3,522 |
Average total loans | $165,798,330 | 2,357 |
2013-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2018% | 602 |
Cost of funding earning assets | 0.6014% | 3,097 |
Net interest margin | 4.6004% | 559 |
Noninterest income to average assets | 0.9801% | 1,521 |
Noninterest expense to average assets | 3.4944% | 1,635 |
Loan and lease loss provision to assets | 0.1804% | 2,055 |
Net operating income to assets | 1.6440% | 654 |
Return on assets (ROA) | 1.6031% | 769 |
Pretax return on assets | 1.6031% | 1,301 |
Return on Equity (ROE) | 19.3485% | 338 |
Retained earnings to average equity (ytd only) | 19.3485% | 159 |
Net charge-offs to loans | -0.0171% | 5,653 |
Credit loss provision to net charge-offs | -1,385.7143% | 5,684 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 65.6993% | 4,710 |
Assets per employee ($millions) | 5.4845% | 1,685 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7613% | 2,769 |
Loan loss allowance to noncurrent loans | 74.1524% | 4,167 |
Noncurrent assets plus other real estate owned to assets | 4.0458% | 978 |
Noncurrent loans to loans | 2.3753% | 2,188 |
Net loans and leases to total assets | 79.9558% | 430 |
Net loans and leases to deposits | 92.7541% | 743 |
Net loans and leases to core deposits | 103.0126% | 769 |
Total domestic deposits to total assets | 86.2019% | 3,413 |
Equity capital to assets | 8.9170% | 5,591 |
Core capital (leverage) ratio | 8.2915% | 5,836 |
Tier 1 risk-based capital ratio | 10.9854% | 6,414 |
Total risk-based capital ratio | 12.1929% | 6,402 |
Memoranda: | ||
Average total assets | $215,084,500 | 2,931 |
Average earning assets | $202,852,500 | 2,868 |
Average equity | $17,820,500 | 3,551 |
Average total loans | $163,901,000 | 2,393 |
2012-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.5141% | 602 |
Cost of funding earning assets | 1.0800% | 984 |
Net interest margin | 4.4341% | 1,080 |
Noninterest income to average assets | 0.8438% | 2,067 |
Noninterest expense to average assets | 3.7911% | 1,267 |
Loan and lease loss provision to assets | 1.1166% | 335 |
Net operating income to assets | 0.2018% | 5,779 |
Return on assets (ROA) | 0.3683% | 5,456 |
Pretax return on assets | 0.3683% | 5,660 |
Return on Equity (ROE) | 4.0400% | 5,122 |
Retained earnings to average equity (ytd only) | 4.0400% | 3,373 |
Net charge-offs to loans | 1.2953% | 751 |
Credit loss provision to net charge-offs | 107.3147% | 2,758 |
Earnings coverage of net charge-offs (x) | 1.2671% | 4,827 |
Efficiency ratio | 74.1977% | 3,040 |
Assets per employee ($millions) | 6.4926% | 1,007 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7240% | 2,841 |
Loan loss allowance to noncurrent loans | 52.1674% | 5,025 |
Noncurrent assets plus other real estate owned to assets | 3.2582% | 1,417 |
Noncurrent loans to loans | 3.3048% | 1,553 |
Net loans and leases to total assets | 70.3378% | 1,774 |
Net loans and leases to deposits | 80.1228% | 2,266 |
Net loans and leases to core deposits | 90.9705% | 1,723 |
Total domestic deposits to total assets | 87.7875% | 2,356 |
Equity capital to assets | 7.7213% | 6,540 |
Core capital (leverage) ratio | 8.4788% | 5,644 |
Tier 1 risk-based capital ratio | 10.9356% | 6,374 |
Total risk-based capital ratio | 12.1321% | 6,366 |
Memoranda: | ||
Average total assets | $195,773,400 | 3,098 |
Average earning assets | $188,336,800 | 2,982 |
Average equity | $17,846,600 | 3,495 |
Average total loans | $157,255,600 | 2,468 |
2012-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.7715% | 413 |
Cost of funding earning assets | 1.1396% | 903 |
Net interest margin | 4.6319% | 770 |
Noninterest income to average assets | 0.8522% | 2,025 |
Noninterest expense to average assets | 3.8671% | 1,110 |
Loan and lease loss provision to assets | 0.3087% | 2,141 |
Net operating income to assets | 1.1552% | 1,883 |
Return on assets (ROA) | 1.3233% | 1,519 |
Pretax return on assets | 1.3233% | 2,515 |
Return on Equity (ROE) | 13.8748% | 1,137 |
Retained earnings to average equity (ytd only) | 13.8748% | 313 |
Net charge-offs to loans | 0.0581% | 4,850 |
Credit loss provision to net charge-offs | 639.7059% | 420 |
Earnings coverage of net charge-offs (x) | 30.3397% | 1,087 |
Efficiency ratio | 72.5409% | 3,226 |
Assets per employee ($millions) | 5.4618% | 1,671 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7945% | 2,816 |
Loan loss allowance to noncurrent loans | 52.9504% | 4,978 |
Noncurrent assets plus other real estate owned to assets | 3.6597% | 1,356 |
Noncurrent loans to loans | 3.3891% | 1,614 |
Net loans and leases to total assets | 86.5700% | 129 |
Net loans and leases to deposits | 103.7236% | 290 |
Net loans and leases to core deposits | 123.8727% | 249 |
Total domestic deposits to total assets | 83.4622% | 4,452 |
Equity capital to assets | 9.8519% | 4,708 |
Core capital (leverage) ratio | 9.4137% | 4,412 |
Tier 1 risk-based capital ratio | 12.3131% | 5,756 |
Total risk-based capital ratio | 13.5724% | 5,727 |
Memoranda: | ||
Average total assets | $187,906,250 | 3,231 |
Average earning assets | $181,691,500 | 3,097 |
Average equity | $17,921,750 | 3,517 |
Average total loans | $155,909,250 | 2,520 |
2012-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.7208% | 467 |
Cost of funding earning assets | 1.1726% | 928 |
Net interest margin | 4.5482% | 909 |
Noninterest income to average assets | 0.7269% | 2,525 |
Noninterest expense to average assets | 3.4568% | 1,888 |
Loan and lease loss provision to assets | 0.1285% | 3,917 |
Net operating income to assets | 1.5223% | 957 |
Return on assets (ROA) | 1.4431% | 1,240 |
Pretax return on assets | 1.4431% | 2,041 |
Return on Equity (ROE) | 15.3025% | 890 |
Retained earnings to average equity (ytd only) | 15.3025% | 271 |
Net charge-offs to loans | 0.0171% | 5,171 |
Credit loss provision to net charge-offs | 923.0769% | 355 |
Earnings coverage of net charge-offs (x) | 118.6154% | 368 |
Efficiency ratio | 67.6797% | 4,191 |
Assets per employee ($millions) | 6.1312% | 1,151 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7923% | 2,878 |
Loan loss allowance to noncurrent loans | 82.6061% | 3,697 |
Noncurrent assets plus other real estate owned to assets | 2.5974% | 2,133 |
Noncurrent loans to loans | 2.1697% | 2,744 |
Net loans and leases to total assets | 77.1931% | 816 |
Net loans and leases to deposits | 90.3959% | 1,109 |
Net loans and leases to core deposits | 110.1709% | 572 |
Total domestic deposits to total assets | 85.3944% | 3,666 |
Equity capital to assets | 9.4368% | 5,147 |
Core capital (leverage) ratio | 9.1206% | 4,733 |
Tier 1 risk-based capital ratio | 12.8053% | 5,334 |
Total risk-based capital ratio | 14.0644% | 5,300 |
Memoranda: | ||
Average total assets | $186,821,000 | 3,254 |
Average earning assets | $179,939,670 | 3,131 |
Average equity | $17,618,000 | 3,553 |
Average total loans | $151,708,000 | 2,590 |
2012-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.7758% | 446 |
Cost of funding earning assets | 1.2304% | 847 |
Net interest margin | 4.5455% | 930 |
Noninterest income to average assets | 0.7116% | 2,605 |
Noninterest expense to average assets | 3.5623% | 1,645 |
Loan and lease loss provision to assets | 0.0373% | 4,916 |
Net operating income to assets | 1.4934% | 1,036 |
Return on assets (ROA) | 1.4341% | 1,299 |
Pretax return on assets | 1.4341% | 2,074 |
Return on Equity (ROE) | 15.2130% | 933 |
Retained earnings to average equity (ytd only) | 15.2130% | 433 |
Net charge-offs to loans | 0.0346% | 4,207 |
Credit loss provision to net charge-offs | 130.7692% | 1,860 |
Earnings coverage of net charge-offs (x) | 53.6154% | 599 |
Efficiency ratio | 69.9439% | 3,820 |
Assets per employee ($millions) | 6.2420% | 1,128 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8062% | 2,973 |
Loan loss allowance to noncurrent loans | 79.1964% | 3,712 |
Noncurrent assets plus other real estate owned to assets | 2.7288% | 2,162 |
Noncurrent loans to loans | 2.2806% | 2,818 |
Net loans and leases to total assets | 77.2552% | 666 |
Net loans and leases to deposits | 91.9093% | 802 |
Net loans and leases to core deposits | 114.4018% | 417 |
Total domestic deposits to total assets | 84.0559% | 4,460 |
Equity capital to assets | 9.2919% | 5,104 |
Core capital (leverage) ratio | 9.3710% | 4,235 |
Tier 1 risk-based capital ratio | 12.7055% | 5,437 |
Total risk-based capital ratio | 13.9638% | 5,391 |
Memoranda: | ||
Average total assets | $182,132,000 | 3,345 |
Average earning assets | $175,559,000 | 3,219 |
Average equity | $17,169,500 | 3,615 |
Average total loans | $150,454,000 | 2,623 |
2011-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.1544% | 336 |
Cost of funding earning assets | 1.4809% | 770 |
Net interest margin | 4.6735% | 794 |
Noninterest income to average assets | 0.8884% | 1,713 |
Noninterest expense to average assets | 3.4861% | 2,016 |
Loan and lease loss provision to assets | 0.6381% | 1,602 |
Net operating income to assets | 1.2544% | 1,367 |
Return on assets (ROA) | 1.2277% | 1,543 |
Pretax return on assets | 1.2277% | 2,361 |
Return on Equity (ROE) | 13.2165% | 1,119 |
Retained earnings to average equity (ytd only) | 13.2165% | 213 |
Net charge-offs to loans | 0.1905% | 4,621 |
Credit loss provision to net charge-offs | 397.0480% | 588 |
Earnings coverage of net charge-offs (x) | 11.7749% | 1,685 |
Efficiency ratio | 64.8142% | 4,981 |
Assets per employee ($millions) | 5.9001% | 1,302 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7301% | 3,092 |
Loan loss allowance to noncurrent loans | 78.7259% | 3,706 |
Noncurrent assets plus other real estate owned to assets | 2.9378% | 2,049 |
Noncurrent loans to loans | 2.1976% | 2,951 |
Net loans and leases to total assets | 85.2647% | 158 |
Net loans and leases to deposits | 102.4548% | 354 |
Net loans and leases to core deposits | 133.6859% | 204 |
Total domestic deposits to total assets | 83.2218% | 4,659 |
Equity capital to assets | 9.5698% | 4,782 |
Core capital (leverage) ratio | 9.2575% | 4,382 |
Tier 1 risk-based capital ratio | 11.7635% | 5,981 |
Total risk-based capital ratio | 13.0280% | 5,959 |
Memoranda: | ||
Average total assets | $168,613,000 | 3,515 |
Average earning assets | $161,997,000 | 3,367 |
Average equity | $15,662,200 | 3,778 |
Average total loans | $142,287,600 | 2,748 |
2011-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.1229% | 379 |
Cost of funding earning assets | 1.5343% | 761 |
Net interest margin | 4.5886% | 971 |
Noninterest income to average assets | 0.9104% | 1,609 |
Noninterest expense to average assets | 3.4318% | 2,115 |
Loan and lease loss provision to assets | 0.4156% | 2,383 |
Net operating income to assets | 1.4645% | 1,018 |
Return on assets (ROA) | 1.4493% | 1,125 |
Pretax return on assets | 1.4493% | 1,789 |
Return on Equity (ROE) | 15.7288% | 713 |
Retained earnings to average equity (ytd only) | 15.7288% | 194 |
Net charge-offs to loans | 0.2323% | 3,974 |
Credit loss provision to net charge-offs | 213.5802% | 1,357 |
Earnings coverage of net charge-offs (x) | 9.6626% | 2,018 |
Efficiency ratio | 64.6066% | 4,964 |
Assets per employee ($millions) | 6.2141% | 1,078 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4020% | 4,556 |
Loan loss allowance to noncurrent loans | 163.6923% | 1,866 |
Noncurrent assets plus other real estate owned to assets | 1.9736% | 3,172 |
Noncurrent loans to loans | 0.8565% | 5,153 |
Net loans and leases to total assets | 86.0099% | 134 |
Net loans and leases to deposits | 104.9851% | 283 |
Net loans and leases to core deposits | 137.3093% | 190 |
Total domestic deposits to total assets | 81.9258% | 5,123 |
Equity capital to assets | 9.6429% | 4,866 |
Core capital (leverage) ratio | 9.2601% | 4,530 |
Tier 1 risk-based capital ratio | 11.7241% | 6,084 |
Total risk-based capital ratio | 12.9778% | 6,081 |
Memoranda: | ||
Average total assets | $166,515,250 | 3,568 |
Average earning assets | $159,724,500 | 3,430 |
Average equity | $15,343,000 | 3,853 |
Average total loans | $139,464,750 | 2,819 |
2011-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.0313% | 452 |
Cost of funding earning assets | 1.5629% | 805 |
Net interest margin | 4.4684% | 1,208 |
Noninterest income to average assets | 0.9462% | 1,481 |
Noninterest expense to average assets | 3.4142% | 2,222 |
Loan and lease loss provision to assets | 0.2292% | 3,619 |
Net operating income to assets | 1.5803% | 759 |
Return on assets (ROA) | 1.5522% | 854 |
Pretax return on assets | 1.5522% | 1,374 |
Return on Equity (ROE) | 17.1279% | 537 |
Retained earnings to average equity (ytd only) | 17.1279% | 161 |
Net charge-offs to loans | 0.1359% | 4,387 |
Credit loss provision to net charge-offs | 204.3478% | 1,477 |
Earnings coverage of net charge-offs (x) | 16.1304% | 1,363 |
Efficiency ratio | 65.3595% | 4,989 |
Assets per employee ($millions) | 6.5613% | 901 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3957% | 4,594 |
Loan loss allowance to noncurrent loans | 193.3466% | 1,572 |
Noncurrent assets plus other real estate owned to assets | 2.1308% | 3,070 |
Noncurrent loans to loans | 0.7219% | 5,468 |
Net loans and leases to total assets | 80.6318% | 483 |
Net loans and leases to deposits | 98.0777% | 591 |
Net loans and leases to core deposits | 131.9390% | 252 |
Total domestic deposits to total assets | 82.2122% | 5,092 |
Equity capital to assets | 9.2436% | 5,211 |
Core capital (leverage) ratio | 9.2657% | 4,300 |
Tier 1 risk-based capital ratio | 12.1282% | 5,686 |
Total risk-based capital ratio | 13.3809% | 5,658 |
Memoranda: | ||
Average total assets | $164,022,330 | 3,615 |
Average earning assets | $157,014,000 | 3,504 |
Average equity | $14,864,670 | 3,932 |
Average total loans | $135,359,670 | 2,935 |
2011-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.0431% | 435 |
Cost of funding earning assets | 1.5926% | 841 |
Net interest margin | 4.4505% | 1,172 |
Noninterest income to average assets | 0.9033% | 1,651 |
Noninterest expense to average assets | 3.3994% | 2,281 |
Loan and lease loss provision to assets | 0.1767% | 3,855 |
Net operating income to assets | 1.5902% | 710 |
Return on assets (ROA) | 1.5628% | 793 |
Pretax return on assets | 1.5628% | 1,272 |
Return on Equity (ROE) | 17.4293% | 528 |
Retained earnings to average equity (ytd only) | 17.4293% | 257 |
Net charge-offs to loans | 0.0930% | 4,010 |
Credit loss provision to net charge-offs | 229.0323% | 1,335 |
Earnings coverage of net charge-offs (x) | 22.9032% | 1,037 |
Efficiency ratio | 65.7996% | 5,064 |
Assets per employee ($millions) | 6.2585% | 1,046 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4132% | 4,596 |
Loan loss allowance to noncurrent loans | 165.9649% | 1,769 |
Noncurrent assets plus other real estate owned to assets | 2.1153% | 3,167 |
Noncurrent loans to loans | 0.8515% | 5,341 |
Net loans and leases to total assets | 81.1150% | 432 |
Net loans and leases to deposits | 98.7609% | 535 |
Net loans and leases to core deposits | 131.9748% | 248 |
Total domestic deposits to total assets | 82.1327% | 5,254 |
Equity capital to assets | 8.9994% | 5,205 |
Core capital (leverage) ratio | 9.3614% | 4,031 |
Tier 1 risk-based capital ratio | 12.3673% | 5,378 |
Total risk-based capital ratio | 13.6186% | 5,369 |
Memoranda: | ||
Average total assets | $160,736,500 | 3,695 |
Average earning assets | $153,961,000 | 3,584 |
Average equity | $14,412,500 | 4,020 |
Average total loans | $133,289,500 | 3,018 |
2010-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.0747% | 736 |
Cost of funding earning assets | 1.7818% | 1,245 |
Net interest margin | 4.2929% | 1,843 |
Noninterest income to average assets | 0.2371% | 6,102 |
Noninterest expense to average assets | 3.0392% | 3,699 |
Loan and lease loss provision to assets | 0.2832% | 4,539 |
Net operating income to assets | 1.0510% | 1,870 |
Return on assets (ROA) | 1.1241% | 1,707 |
Pretax return on assets | 1.1241% | 2,486 |
Return on Equity (ROE) | 12.4804% | 1,227 |
Retained earnings to average equity (ytd only) | 12.4804% | 241 |
Net charge-offs to loans | 0.3415% | 4,305 |
Credit loss provision to net charge-offs | 95.7684% | 4,854 |
Earnings coverage of net charge-offs (x) | 4.5122% | 2,898 |
Efficiency ratio | 69.4925% | 4,281 |
Assets per employee ($millions) | 6.3500% | 1,012 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3957% | 4,534 |
Loan loss allowance to noncurrent loans | 1,493.5484% | 262 |
Noncurrent assets plus other real estate owned to assets | 1.5181% | 4,037 |
Noncurrent loans to loans | 0.0934% | 6,897 |
Net loans and leases to total assets | 82.4203% | 413 |
Net loans and leases to deposits | 101.5397% | 503 |
Net loans and leases to core deposits | 139.7507% | 230 |
Total domestic deposits to total assets | 81.1705% | 5,468 |
Equity capital to assets | 8.9329% | 5,230 |
Core capital (leverage) ratio | 9.0840% | 4,384 |
Tier 1 risk-based capital ratio | 11.9602% | 5,511 |
Total risk-based capital ratio | 13.2118% | 5,488 |
Memoranda: | ||
Average total assets | $151,850,000 | 3,847 |
Average earning assets | $146,312,200 | 3,698 |
Average equity | $13,677,400 | 4,219 |
Average total loans | $131,474,400 | 3,096 |
2010-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.0455% | 853 |
Cost of funding earning assets | 1.8178% | 1,353 |
Net interest margin | 4.2277% | 2,113 |
Noninterest income to average assets | 0.1918% | 6,511 |
Noninterest expense to average assets | 2.8935% | 4,115 |
Loan and lease loss provision to assets | 0.2620% | 4,488 |
Net operating income to assets | 1.1199% | 1,828 |
Return on assets (ROA) | 1.2265% | 1,598 |
Pretax return on assets | 1.2265% | 2,403 |
Return on Equity (ROE) | 13.5874% | 1,127 |
Retained earnings to average equity (ytd only) | 13.5874% | 300 |
Net charge-offs to loans | 0.2104% | 4,681 |
Credit loss provision to net charge-offs | 142.5121% | 2,770 |
Earnings coverage of net charge-offs (x) | 7.5170% | 2,314 |
Efficiency ratio | 67.6776% | 4,528 |
Assets per employee ($millions) | 6.7371% | 867 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4725% | 4,088 |
Loan loss allowance to noncurrent loans | 93.1526% | 2,959 |
Noncurrent assets plus other real estate owned to assets | 1.7237% | 3,859 |
Noncurrent loans to loans | 1.5808% | 4,273 |
Net loans and leases to total assets | 84.5922% | 293 |
Net loans and leases to deposits | 104.3963% | 414 |
Net loans and leases to core deposits | 142.4431% | 235 |
Total domestic deposits to total assets | 81.0299% | 5,352 |
Equity capital to assets | 9.2305% | 5,259 |
Core capital (leverage) ratio | 9.2556% | 4,266 |
Tier 1 risk-based capital ratio | 11.8508% | 5,590 |
Total risk-based capital ratio | 13.1059% | 5,565 |
Memoranda: | ||
Average total assets | $150,124,750 | 3,923 |
Average earning assets | $145,007,500 | 3,766 |
Average equity | $13,551,500 | 4,316 |
Average total loans | $131,169,250 | 3,154 |
2010-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.0238% | 894 |
Cost of funding earning assets | 1.8623% | 1,369 |
Net interest margin | 4.1615% | 2,286 |
Noninterest income to average assets | 0.1629% | 6,730 |
Noninterest expense to average assets | 2.8118% | 4,434 |
Loan and lease loss provision to assets | 0.2518% | 4,405 |
Net operating income to assets | 1.1258% | 1,773 |
Return on assets (ROA) | 1.0975% | 1,932 |
Pretax return on assets | 1.0975% | 2,793 |
Return on Equity (ROE) | 12.2547% | 1,390 |
Retained earnings to average equity (ytd only) | 12.2547% | 452 |
Net charge-offs to loans | 0.2497% | 4,095 |
Credit loss provision to net charge-offs | 114.7239% | 3,548 |
Earnings coverage of net charge-offs (x) | 6.2761% | 2,487 |
Efficiency ratio | 67.1167% | 4,740 |
Assets per employee ($millions) | 7.5933% | 596 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4374% | 4,252 |
Loan loss allowance to noncurrent loans | 93.8583% | 2,923 |
Noncurrent assets plus other real estate owned to assets | 1.7654% | 3,806 |
Noncurrent loans to loans | 1.5314% | 4,419 |
Net loans and leases to total assets | 85.5648% | 254 |
Net loans and leases to deposits | 105.4356% | 420 |
Net loans and leases to core deposits | 152.5887% | 203 |
Total domestic deposits to total assets | 81.1537% | 5,347 |
Equity capital to assets | 9.1562% | 5,206 |
Core capital (leverage) ratio | 8.9280% | 4,712 |
Tier 1 risk-based capital ratio | 11.4117% | 5,857 |
Total risk-based capital ratio | 12.6661% | 5,827 |
Memoranda: | ||
Average total assets | $148,515,000 | 3,981 |
Average earning assets | $143,697,000 | 3,823 |
Average equity | $13,301,000 | 4,372 |
Average total loans | $130,546,330 | 3,191 |
2010-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.9740% | 1,028 |
Cost of funding earning assets | 1.9042% | 1,433 |
Net interest margin | 4.0699% | 2,567 |
Noninterest income to average assets | 0.0981% | 7,214 |
Noninterest expense to average assets | 2.8276% | 4,383 |
Loan and lease loss provision to assets | 0.3214% | 3,488 |
Net operating income to assets | 0.8908% | 2,587 |
Return on assets (ROA) | 0.8690% | 2,759 |
Pretax return on assets | 0.8690% | 3,586 |
Return on Equity (ROE) | 9.8161% | 2,167 |
Retained earnings to average equity (ytd only) | 9.8161% | 1,183 |
Net charge-offs to loans | 0.0000% | 5,609 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 69.9933% | 4,297 |
Assets per employee ($millions) | 7.5250% | 638 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5103% | 3,860 |
Loan loss allowance to noncurrent loans | 90.9881% | 3,033 |
Noncurrent assets plus other real estate owned to assets | 1.8924% | 3,642 |
Noncurrent loans to loans | 1.6599% | 4,254 |
Net loans and leases to total assets | 86.1853% | 206 |
Net loans and leases to deposits | 105.8089% | 432 |
Net loans and leases to core deposits | 139.9903% | 327 |
Total domestic deposits to total assets | 81.4537% | 5,290 |
Equity capital to assets | 8.7828% | 5,581 |
Core capital (leverage) ratio | 8.4560% | 5,454 |
Tier 1 risk-based capital ratio | 11.0823% | 6,086 |
Total risk-based capital ratio | 12.3373% | 6,045 |
Memoranda: | ||
Average total assets | $146,840,000 | 4,073 |
Average earning assets | $142,215,500 | 3,916 |
Average equity | $12,999,000 | 4,475 |
Average total loans | $129,900,500 | 3,263 |
2009-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.9468% | 2,056 |
Cost of funding earning assets | 1.8078% | 3,947 |
Net interest margin | 4.1390% | 2,287 |
Noninterest income to average assets | 0.2772% | 6,118 |
Noninterest expense to average assets | 3.0893% | 3,790 |
Loan and lease loss provision to assets | 0.9011% | 2,499 |
Net operating income to assets | 0.2671% | 4,658 |
Return on assets (ROA) | 0.3501% | 4,416 |
Pretax return on assets | 0.3501% | 4,642 |
Return on Equity (ROE) | 3.8269% | 4,156 |
Retained earnings to average equity (ytd only) | 3.8269% | 2,522 |
Net charge-offs to loans | 0.4617% | 3,939 |
Credit loss provision to net charge-offs | 224.6347% | 1,668 |
Earnings coverage of net charge-offs (x) | 2.9123% | 3,626 |
Efficiency ratio | 72.5610% | 4,172 |
Assets per employee ($millions) | 7.1591% | 749 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4598% | 3,927 |
Loan loss allowance to noncurrent loans | 85.8980% | 3,231 |
Noncurrent assets plus other real estate owned to assets | 1.9912% | 3,412 |
Noncurrent loans to loans | 1.6994% | 4,094 |
Net loans and leases to total assets | 88.1639% | 165 |
Net loans and leases to deposits | 113.9800% | 263 |
Net loans and leases to core deposits | 160.0817% | 343 |
Total domestic deposits to total assets | 77.3503% | 6,379 |
Equity capital to assets | 8.9258% | 5,255 |
Core capital (leverage) ratio | 8.8733% | 4,635 |
Tier 1 risk-based capital ratio | 10.9422% | 5,967 |
Total risk-based capital ratio | 12.1958% | 5,944 |
Memoranda: | ||
Average total assets | $119,411,200 | 4,587 |
Average earning assets | $114,834,000 | 4,427 |
Average equity | $10,922,600 | 5,044 |
Average total loans | $103,744,400 | 3,850 |
2009-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.8620% | 2,619 |
Cost of funding earning assets | 1.8229% | 4,268 |
Net interest margin | 4.0391% | 2,637 |
Noninterest income to average assets | 0.2503% | 6,449 |
Noninterest expense to average assets | 3.1797% | 3,365 |
Loan and lease loss provision to assets | 0.8402% | 2,279 |
Net operating income to assets | 0.1046% | 5,451 |
Return on assets (ROA) | 0.2315% | 5,135 |
Pretax return on assets | 0.2315% | 5,226 |
Return on Equity (ROE) | 2.5115% | 4,987 |
Retained earnings to average equity (ytd only) | 2.5115% | 3,921 |
Net charge-offs to loans | 0.6540% | 2,723 |
Credit loss provision to net charge-offs | 149.2693% | 3,227 |
Earnings coverage of net charge-offs (x) | 1.6785% | 4,538 |
Efficiency ratio | 77.0940% | 3,301 |
Assets per employee ($millions) | 7.2779% | 702 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2767% | 4,637 |
Loan loss allowance to noncurrent loans | 920.1220% | 389 |
Noncurrent assets plus other real estate owned to assets | 0.5757% | 6,015 |
Noncurrent loans to loans | 0.1388% | 7,136 |
Net loans and leases to total assets | 80.1645% | 1,138 |
Net loans and leases to deposits | 100.2776% | 1,078 |
Net loans and leases to core deposits | 145.8599% | 692 |
Total domestic deposits to total assets | 79.9426% | 5,451 |
Equity capital to assets | 8.6825% | 5,981 |
Core capital (leverage) ratio | 9.6921% | 3,655 |
Tier 1 risk-based capital ratio | 11.3839% | 5,552 |
Total risk-based capital ratio | 12.6354% | 5,494 |
Memoranda: | ||
Average total assets | $113,468,750 | 4,765 |
Average earning assets | $108,834,250 | 4,624 |
Average equity | $10,458,250 | 5,217 |
Average total loans | $97,654,500 | 4,048 |
2009-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.9518% | 2,381 |
Cost of funding earning assets | 1.8740% | 4,400 |
Net interest margin | 4.0778% | 2,402 |
Noninterest income to average assets | 0.1537% | 7,169 |
Noninterest expense to average assets | 3.5204% | 2,280 |
Loan and lease loss provision to assets | 0.9672% | 1,745 |
Net operating income to assets | -0.4593% | 6,507 |
Return on assets (ROA) | -0.2238% | 6,244 |
Pretax return on assets | -0.2238% | 6,151 |
Return on Equity (ROE) | -2.3634% | 6,279 |
Retained earnings to average equity (ytd only) | -2.3634% | 5,829 |
Net charge-offs to loans | 1.0550% | 1,704 |
Credit loss provision to net charge-offs | 103.7578% | 4,424 |
Earnings coverage of net charge-offs (x) | 0.5449% | 5,164 |
Efficiency ratio | 87.3913% | 2,087 |
Assets per employee ($millions) | 5.9215% | 1,256 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2303% | 4,745 |
Loan loss allowance to noncurrent loans | 778.3133% | 439 |
Noncurrent assets plus other real estate owned to assets | 0.7093% | 5,634 |
Noncurrent loans to loans | 0.1581% | 7,129 |
Net loans and leases to total assets | 87.5858% | 263 |
Net loans and leases to deposits | 114.3010% | 387 |
Net loans and leases to core deposits | 149.6825% | 662 |
Total domestic deposits to total assets | 76.6273% | 6,410 |
Equity capital to assets | 8.6060% | 5,888 |
Core capital (leverage) ratio | 9.1435% | 4,395 |
Tier 1 risk-based capital ratio | 10.6368% | 6,247 |
Total risk-based capital ratio | 11.8730% | 6,199 |
Memoranda: | ||
Average total assets | $102,772,670 | 5,082 |
Average earning assets | $97,651,000 | 4,962 |
Average equity | $9,731,670 | 5,445 |
Average total loans | $90,808,000 | 4,258 |
2009-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.7043% | 3,784 |
Cost of funding earning assets | 1.8459% | 4,898 |
Net interest margin | 3.8584% | 3,217 |
Noninterest income to average assets | 0.0885% | 7,614 |
Noninterest expense to average assets | 3.5010% | 2,098 |
Loan and lease loss provision to assets | 0.8721% | 1,504 |
Net operating income to assets | -0.6741% | 7,030 |
Return on assets (ROA) | -0.2949% | 6,747 |
Pretax return on assets | -0.2949% | 6,668 |
Return on Equity (ROE) | -2.9469% | 6,768 |
Retained earnings to average equity (ytd only) | -2.9469% | 6,265 |
Net charge-offs to loans | 2.0692% | 698 |
Credit loss provision to net charge-offs | 47.8060% | 4,712 |
Earnings coverage of net charge-offs (x) | 0.1085% | 4,894 |
Efficiency ratio | 94.6469% | 1,397 |
Assets per employee ($millions) | 5.8139% | 1,309 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1599% | 5,053 |
Loan loss allowance to noncurrent loans | 142.6431% | 2,252 |
Noncurrent assets plus other real estate owned to assets | 0.7014% | 5,400 |
Noncurrent loans to loans | 0.8131% | 5,412 |
Net loans and leases to total assets | 85.2548% | 524 |
Net loans and leases to deposits | 109.6177% | 635 |
Net loans and leases to core deposits | 138.2441% | 1,191 |
Total domestic deposits to total assets | 77.7747% | 6,087 |
Equity capital to assets | 8.9794% | 5,384 |
Core capital (leverage) ratio | 10.1167% | 3,278 |
Tier 1 risk-based capital ratio | 11.3262% | 5,574 |
Total risk-based capital ratio | 12.5605% | 5,498 |
Memoranda: | ||
Average total assets | $94,944,500 | 5,331 |
Average earning assets | $88,844,500 | 5,263 |
Average equity | $9,501,500 | 5,536 |
Average total loans | $83,702,500 | 4,503 |
2008-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.0582% | 5,259 |
Cost of funding earning assets | 1.7668% | 7,097 |
Net interest margin | 4.2914% | 2,009 |
Noninterest income to average assets | 0.0707% | 7,787 |
Noninterest expense to average assets | 4.2306% | 1,118 |
Loan and lease loss provision to assets | 1.8407% | 681 |
Net operating income to assets | -1.8535% | 7,570 |
Return on assets (ROA) | -1.8471% | 7,523 |
Pretax return on assets | -1.8471% | 7,389 |
Return on Equity (ROE) | -11.2732% | 7,368 |
Retained earnings to average equity (ytd only) | -11.2732% | 7,180 |
Net charge-offs to loans | 0.8198% | 1,529 |
Credit loss provision to net charge-offs | 272.2090% | 1,689 |
Earnings coverage of net charge-offs (x) | -0.0190% | 6,255 |
Efficiency ratio | 100.3046% | 970 |
Assets per employee ($millions) | 5.0140% | 1,932 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6503% | 2,064 |
Loan loss allowance to noncurrent loans | 108.4327% | 3,204 |
Noncurrent assets plus other real estate owned to assets | 1.3773% | 3,435 |
Noncurrent loans to loans | 1.5219% | 3,506 |
Net loans and leases to total assets | 89.0037% | 281 |
Net loans and leases to deposits | 118.8380% | 415 |
Net loans and leases to core deposits | 139.5398% | 1,292 |
Total domestic deposits to total assets | 74.8950% | 6,474 |
Equity capital to assets | 11.2696% | 2,831 |
Core capital (leverage) ratio | 12.2153% | 1,874 |
Tier 1 risk-based capital ratio | 13.0522% | 4,083 |
Total risk-based capital ratio | 14.3092% | 3,987 |
Memoranda: | ||
Average total assets | $62,260,200 | 6,308 |
Average earning assets | $60,166,600 | 6,164 |
Average equity | $10,201,200 | 5,344 |
Average total loans | $51,353,000 | 5,649 |