Home > Carolina Bank > Performance and Condition Ratios
Carolina Bank, 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 | 4.0564% | 3,002 |
Cost of funding earning assets | 0.3856% | 3,151 |
Net interest margin | 3.6708% | 2,816 |
Noninterest income to average assets | 1.5849% | 487 |
Noninterest expense to average assets | 3.8015% | 775 |
Loan and lease loss provision to assets | 0.0000% | 4,332 |
Net operating income to assets | 0.8596% | 3,027 |
Return on assets (ROA) | 0.8610% | 3,130 |
Pretax return on assets | 1.1847% | 2,741 |
Return on Equity (ROE) | 8.5450% | 2,647 |
Retained earnings to average equity (ytd only) | 8.5450% | 686 |
Net charge-offs to loans | 0.0353% | 3,320 |
Credit loss provision to net charge-offs | 0.0000% | 3,785 |
Earnings coverage of net charge-offs (x) | 45.3533% | 1,074 |
Efficiency ratio | 76.2683% | 1,942 |
Assets per employee ($millions) | 4.2779% | 3,478 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0734% | 3,869 |
Loan loss allowance to noncurrent loans | 151.6396% | 2,788 |
Noncurrent assets plus other real estate owned to assets | 1.0492% | 1,799 |
Noncurrent loans to loans | 0.7079% | 2,765 |
Net loans and leases to total assets | 74.2645% | 1,802 |
Net loans and leases to deposits | 87.1336% | 2,033 |
Net loans and leases to core deposits | 91.9761% | 2,305 |
Total domestic deposits to total assets | 85.2306% | 2,946 |
Equity capital to assets | 10.4476% | 3,213 |
Core capital (leverage) ratio | 10.3013% | 3,106 |
Tier 1 risk-based capital ratio | 12.8023% | 4,202 |
Total risk-based capital ratio | 14.1206% | 4,045 |
Memoranda: | ||
Average total assets | $705,491,800 | 1,017 |
Average earning assets | $653,345,800 | 1,006 |
Average equity | $71,082,800 | 1,108 |
Average total loans | $521,321,200 | 943 |
2016-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0460% | 3,052 |
Cost of funding earning assets | 0.3914% | 3,111 |
Net interest margin | 3.6546% | 2,870 |
Noninterest income to average assets | 1.6692% | 446 |
Noninterest expense to average assets | 3.8294% | 730 |
Loan and lease loss provision to assets | 0.0000% | 4,186 |
Net operating income to assets | 0.8937% | 2,941 |
Return on assets (ROA) | 0.8937% | 3,070 |
Pretax return on assets | 1.2233% | 2,736 |
Return on Equity (ROE) | 8.9521% | 2,514 |
Retained earnings to average equity (ytd only) | 8.9521% | 831 |
Net charge-offs to loans | 0.0277% | 3,114 |
Credit loss provision to net charge-offs | 0.0000% | 3,412 |
Earnings coverage of net charge-offs (x) | 59.9244% | 961 |
Efficiency ratio | 75.7893% | 2,005 |
Assets per employee ($millions) | 4.0048% | 3,954 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0560% | 4,094 |
Loan loss allowance to noncurrent loans | 131.2386% | 3,068 |
Noncurrent assets plus other real estate owned to assets | 1.1718% | 1,712 |
Noncurrent loans to loans | 0.8046% | 2,654 |
Net loans and leases to total assets | 76.1914% | 1,493 |
Net loans and leases to deposits | 89.3426% | 1,837 |
Net loans and leases to core deposits | 94.3722% | 2,159 |
Total domestic deposits to total assets | 85.2800% | 2,686 |
Equity capital to assets | 10.2896% | 3,815 |
Core capital (leverage) ratio | 10.0952% | 3,448 |
Tier 1 risk-based capital ratio | 12.3547% | 4,570 |
Total risk-based capital ratio | 13.9838% | 4,232 |
Memoranda: | ||
Average total assets | $705,400,250 | 1,019 |
Average earning assets | $653,071,000 | 1,008 |
Average equity | $70,417,250 | 1,120 |
Average total loans | $519,179,000 | 944 |
2016-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0605% | 3,025 |
Cost of funding earning assets | 0.3974% | 3,067 |
Net interest margin | 3.6631% | 2,848 |
Noninterest income to average assets | 1.5756% | 489 |
Noninterest expense to average assets | 3.7978% | 768 |
Loan and lease loss provision to assets | 0.0000% | 4,017 |
Net operating income to assets | 0.8525% | 3,087 |
Return on assets (ROA) | 0.8525% | 3,204 |
Pretax return on assets | 1.1655% | 2,925 |
Return on Equity (ROE) | 8.6292% | 2,679 |
Retained earnings to average equity (ytd only) | 8.6292% | 958 |
Net charge-offs to loans | 0.0996% | 1,839 |
Credit loss provision to net charge-offs | 0.0000% | 3,050 |
Earnings coverage of net charge-offs (x) | 16.1575% | 1,946 |
Efficiency ratio | 76.5177% | 2,001 |
Assets per employee ($millions) | 3.7388% | 4,378 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0516% | 4,223 |
Loan loss allowance to noncurrent loans | 110.1353% | 3,508 |
Noncurrent assets plus other real estate owned to assets | 1.3179% | 1,528 |
Noncurrent loans to loans | 0.9549% | 2,374 |
Net loans and leases to total assets | 74.8046% | 1,685 |
Net loans and leases to deposits | 87.7442% | 2,028 |
Net loans and leases to core deposits | 94.3497% | 2,132 |
Total domestic deposits to total assets | 85.2531% | 2,756 |
Equity capital to assets | 10.0978% | 4,093 |
Core capital (leverage) ratio | 9.9409% | 3,633 |
Tier 1 risk-based capital ratio | 12.1983% | 4,702 |
Total risk-based capital ratio | 13.8208% | 4,378 |
Memoranda: | ||
Average total assets | $704,252,330 | 1,022 |
Average earning assets | $651,306,670 | 1,018 |
Average equity | $69,577,330 | 1,138 |
Average total loans | $510,291,330 | 958 |
2016-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9910% | 3,254 |
Cost of funding earning assets | 0.4033% | 3,031 |
Net interest margin | 3.5876% | 3,133 |
Noninterest income to average assets | 1.2978% | 651 |
Noninterest expense to average assets | 3.7266% | 865 |
Loan and lease loss provision to assets | 0.0000% | 3,656 |
Net operating income to assets | 0.6776% | 3,836 |
Return on assets (ROA) | 0.6776% | 3,954 |
Pretax return on assets | 0.8910% | 3,879 |
Return on Equity (ROE) | 6.9357% | 3,488 |
Retained earnings to average equity (ytd only) | 6.9357% | 1,912 |
Net charge-offs to loans | -0.0779% | 5,539 |
Credit loss provision to net charge-offs | 0.0000% | 2,416 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 80.7048% | 1,525 |
Assets per employee ($millions) | 3.7130% | 4,446 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2150% | 3,393 |
Loan loss allowance to noncurrent loans | 169.6221% | 2,528 |
Noncurrent assets plus other real estate owned to assets | 1.1490% | 1,915 |
Noncurrent loans to loans | 0.7163% | 3,044 |
Net loans and leases to total assets | 68.7915% | 2,528 |
Net loans and leases to deposits | 80.2850% | 2,754 |
Net loans and leases to core deposits | 86.2592% | 2,725 |
Total domestic deposits to total assets | 85.6841% | 2,817 |
Equity capital to assets | 9.8410% | 4,281 |
Core capital (leverage) ratio | 9.7415% | 3,855 |
Tier 1 risk-based capital ratio | 12.6162% | 4,510 |
Total risk-based capital ratio | 14.4036% | 4,087 |
Memoranda: | ||
Average total assets | $703,059,500 | 1,021 |
Average earning assets | $650,571,500 | 1,015 |
Average equity | $68,688,500 | 1,146 |
Average total loans | $498,329,000 | 976 |
2015-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1287% | 2,821 |
Cost of funding earning assets | 0.3951% | 3,209 |
Net interest margin | 3.7336% | 2,630 |
Noninterest income to average assets | 1.9638% | 369 |
Noninterest expense to average assets | 3.9997% | 673 |
Loan and lease loss provision to assets | 0.1566% | 1,496 |
Net operating income to assets | 0.8688% | 3,028 |
Return on assets (ROA) | 0.8715% | 3,097 |
Pretax return on assets | 1.2529% | 2,460 |
Return on Equity (ROE) | 9.2212% | 2,361 |
Retained earnings to average equity (ytd only) | 8.7630% | 713 |
Net charge-offs to loans | 0.3336% | 890 |
Credit loss provision to net charge-offs | 62.6082% | 3,230 |
Earnings coverage of net charge-offs (x) | 5.6186% | 3,355 |
Efficiency ratio | 73.9958% | 2,578 |
Assets per employee ($millions) | 3.6492% | 4,567 |
Cash dividends to net income (ytd only)* | 4.9694% | 4,184 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1619% | 3,693 |
Loan loss allowance to noncurrent loans | 188.8103% | 2,353 |
Noncurrent assets plus other real estate owned to assets | 1.0993% | 1,998 |
Noncurrent loans to loans | 0.6154% | 3,337 |
Net loans and leases to total assets | 71.2929% | 2,158 |
Net loans and leases to deposits | 81.7952% | 2,614 |
Net loans and leases to core deposits | 88.1825% | 2,584 |
Total domestic deposits to total assets | 87.1604% | 2,045 |
Equity capital to assets | 9.6984% | 4,308 |
Core capital (leverage) ratio | 9.7090% | 3,891 |
Tier 1 risk-based capital ratio | 12.0889% | 4,892 |
Total risk-based capital ratio | 13.8145% | 4,485 |
Memoranda: | ||
Average total assets | $692,724,800 | 1,001 |
Average earning assets | $638,529,400 | 993 |
Average equity | $65,468,800 | 1,154 |
Average total loans | $519,482,000 | 900 |
2015-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1082% | 2,904 |
Cost of funding earning assets | 0.4000% | 3,225 |
Net interest margin | 3.7081% | 2,732 |
Noninterest income to average assets | 2.1667% | 322 |
Noninterest expense to average assets | 3.9900% | 674 |
Loan and lease loss provision to assets | 0.2480% | 691 |
Net operating income to assets | 0.9500% | 2,710 |
Return on assets (ROA) | 0.9537% | 2,785 |
Pretax return on assets | 1.3494% | 2,214 |
Return on Equity (ROE) | 10.1589% | 2,044 |
Retained earnings to average equity (ytd only) | 9.5421% | 728 |
Net charge-offs to loans | 0.0607% | 2,731 |
Credit loss provision to net charge-offs | 539.9160% | 611 |
Earnings coverage of net charge-offs (x) | 34.6592% | 1,368 |
Efficiency ratio | 71.4765% | 2,965 |
Assets per employee ($millions) | 3.6243% | 4,567 |
Cash dividends to net income (ytd only)* | 6.0716% | 3,682 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4646% | 2,309 |
Loan loss allowance to noncurrent loans | 84.4154% | 4,063 |
Noncurrent assets plus other real estate owned to assets | 2.0384% | 994 |
Noncurrent loans to loans | 1.7350% | 1,381 |
Net loans and leases to total assets | 73.9280% | 1,744 |
Net loans and leases to deposits | 84.9246% | 2,294 |
Net loans and leases to core deposits | 91.0540% | 2,352 |
Total domestic deposits to total assets | 87.0514% | 2,013 |
Equity capital to assets | 9.7518% | 4,448 |
Core capital (leverage) ratio | 9.6465% | 4,112 |
Tier 1 risk-based capital ratio | 11.6592% | 5,292 |
Total risk-based capital ratio | 13.8957% | 4,558 |
Memoranda: | ||
Average total assets | $690,743,500 | 1,010 |
Average earning assets | $636,245,500 | 1,006 |
Average equity | $64,848,000 | 1,174 |
Average total loans | $523,006,000 | 899 |
2015-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0986% | 2,903 |
Cost of funding earning assets | 0.4042% | 3,232 |
Net interest margin | 3.6943% | 2,730 |
Noninterest income to average assets | 2.1780% | 327 |
Noninterest expense to average assets | 3.9508% | 718 |
Loan and lease loss provision to assets | 0.2415% | 749 |
Net operating income to assets | 0.9889% | 2,445 |
Return on assets (ROA) | 0.9944% | 2,527 |
Pretax return on assets | 1.3956% | 1,999 |
Return on Equity (ROE) | 10.7304% | 1,772 |
Retained earnings to average equity (ytd only) | 9.7941% | 704 |
Net charge-offs to loans | 0.5941% | 403 |
Credit loss provision to net charge-offs | 53.5256% | 2,666 |
Earnings coverage of net charge-offs (x) | 3.6109% | 3,167 |
Efficiency ratio | 70.8014% | 3,194 |
Assets per employee ($millions) | 3.5603% | 4,700 |
Cash dividends to net income (ytd only)* | 8.7260% | 3,479 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0895% | 4,380 |
Loan loss allowance to noncurrent loans | 49.4623% | 5,011 |
Noncurrent assets plus other real estate owned to assets | 2.4969% | 757 |
Noncurrent loans to loans | 2.2027% | 1,089 |
Net loans and leases to total assets | 76.9635% | 1,229 |
Net loans and leases to deposits | 88.2819% | 1,797 |
Net loans and leases to core deposits | 95.0164% | 1,876 |
Total domestic deposits to total assets | 87.1793% | 2,068 |
Equity capital to assets | 9.5842% | 4,553 |
Core capital (leverage) ratio | 9.2352% | 4,640 |
Tier 1 risk-based capital ratio | 11.2267% | 5,609 |
Total risk-based capital ratio | 13.2060% | 5,082 |
Memoranda: | ||
Average total assets | $691,451,000 | 1,009 |
Average earning assets | $636,759,330 | 1,003 |
Average equity | $64,079,670 | 1,196 |
Average total loans | $525,124,330 | 904 |
2015-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0647% | 2,971 |
Cost of funding earning assets | 0.4089% | 3,203 |
Net interest margin | 3.6558% | 2,790 |
Noninterest income to average assets | 1.9891% | 371 |
Noninterest expense to average assets | 3.8545% | 825 |
Loan and lease loss provision to assets | 0.1726% | 1,140 |
Net operating income to assets | 0.9598% | 2,447 |
Return on assets (ROA) | 0.9710% | 2,522 |
Pretax return on assets | 1.3460% | 2,096 |
Return on Equity (ROE) | 10.6562% | 1,746 |
Retained earnings to average equity (ytd only) | 8.7623% | 1,283 |
Net charge-offs to loans | -0.1027% | 5,866 |
Credit loss provision to net charge-offs | -223.8806% | 4,639 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 71.9455% | 3,178 |
Assets per employee ($millions) | 3.7224% | 4,469 |
Cash dividends to net income (ytd only)* | 17.7725% | 2,586 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3084% | 3,354 |
Loan loss allowance to noncurrent loans | 109.3052% | 3,470 |
Noncurrent assets plus other real estate owned to assets | 1.6144% | 1,582 |
Noncurrent loans to loans | 1.1970% | 2,379 |
Net loans and leases to total assets | 73.7788% | 1,540 |
Net loans and leases to deposits | 83.8846% | 2,095 |
Net loans and leases to core deposits | 90.2601% | 2,103 |
Total domestic deposits to total assets | 87.9527% | 1,854 |
Equity capital to assets | 9.0164% | 5,269 |
Core capital (leverage) ratio | 9.1995% | 4,713 |
Tier 1 risk-based capital ratio | 11.2490% | 5,689 |
Total risk-based capital ratio | 13.4954% | 4,986 |
Memoranda: | ||
Average total assets | $695,390,000 | 1,002 |
Average earning assets | $640,730,500 | 1,000 |
Average equity | $63,362,000 | 1,202 |
Average total loans | $521,738,000 | 903 |
2014-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3218% | 2,522 |
Cost of funding earning assets | 0.4868% | 2,814 |
Net interest margin | 3.8350% | 2,492 |
Noninterest income to average assets | 1.3787% | 646 |
Noninterest expense to average assets | 4.0363% | 725 |
Loan and lease loss provision to assets | 0.2152% | 1,161 |
Net operating income to assets | 0.5025% | 4,801 |
Return on assets (ROA) | 0.5345% | 4,745 |
Pretax return on assets | 0.6840% | 4,681 |
Return on Equity (ROE) | 5.8691% | 4,212 |
Retained earnings to average equity (ytd only) | 4.2237% | 3,187 |
Net charge-offs to loans | 0.5174% | 791 |
Credit loss provision to net charge-offs | 55.6805% | 3,363 |
Earnings coverage of net charge-offs (x) | 2.2206% | 4,218 |
Efficiency ratio | 82.4669% | 1,610 |
Assets per employee ($millions) | 3.5968% | 4,723 |
Cash dividends to net income (ytd only)* | 28.0348% | 3,472 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2735% | 3,577 |
Loan loss allowance to noncurrent loans | 100.9600% | 3,690 |
Noncurrent assets plus other real estate owned to assets | 1.7752% | 1,475 |
Noncurrent loans to loans | 1.2614% | 2,340 |
Net loans and leases to total assets | 74.3527% | 1,529 |
Net loans and leases to deposits | 84.8103% | 2,118 |
Net loans and leases to core deposits | 91.8068% | 2,111 |
Total domestic deposits to total assets | 87.6694% | 1,945 |
Equity capital to assets | 9.2114% | 5,057 |
Core capital (leverage) ratio | 9.1116% | 4,807 |
Tier 1 risk-based capital ratio | 11.4234% | 5,700 |
Total risk-based capital ratio | 13.6717% | 4,999 |
Memoranda: | ||
Average total assets | $667,374,000 | 997 |
Average earning assets | $611,811,400 | 1,004 |
Average equity | $60,776,200 | 1,204 |
Average total loans | $498,450,600 | 898 |
2014-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2763% | 2,723 |
Cost of funding earning assets | 0.4947% | 2,818 |
Net interest margin | 3.7817% | 2,684 |
Noninterest income to average assets | 1.3133% | 705 |
Noninterest expense to average assets | 3.9957% | 759 |
Loan and lease loss provision to assets | 0.2782% | 741 |
Net operating income to assets | 0.3986% | 5,253 |
Return on assets (ROA) | 0.4394% | 5,188 |
Pretax return on assets | 0.5558% | 5,163 |
Return on Equity (ROE) | 4.8389% | 4,798 |
Retained earnings to average equity (ytd only) | 3.2915% | 4,280 |
Net charge-offs to loans | 0.6741% | 522 |
Credit loss provision to net charge-offs | 55.3736% | 3,025 |
Earnings coverage of net charge-offs (x) | 1.5573% | 4,129 |
Efficiency ratio | 83.6253% | 1,431 |
Assets per employee ($millions) | 3.4648% | 4,927 |
Cash dividends to net income (ytd only)* | 31.9781% | 2,710 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2717% | 3,798 |
Loan loss allowance to noncurrent loans | 63.2586% | 4,684 |
Noncurrent assets plus other real estate owned to assets | 2.3829% | 1,137 |
Noncurrent loans to loans | 2.0104% | 1,576 |
Net loans and leases to total assets | 75.9951% | 1,222 |
Net loans and leases to deposits | 86.5495% | 1,847 |
Net loans and leases to core deposits | 94.3118% | 1,829 |
Total domestic deposits to total assets | 87.8053% | 1,865 |
Equity capital to assets | 9.1683% | 5,185 |
Core capital (leverage) ratio | 9.0253% | 5,042 |
Tier 1 risk-based capital ratio | 11.0460% | 5,972 |
Total risk-based capital ratio | 13.6056% | 5,195 |
Memoranda: | ||
Average total assets | $664,267,750 | 1,018 |
Average earning assets | $608,606,500 | 1,021 |
Average equity | $60,315,500 | 1,216 |
Average total loans | $495,071,000 | 909 |
2014-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2273% | 2,855 |
Cost of funding earning assets | 0.4987% | 2,849 |
Net interest margin | 3.7287% | 2,846 |
Noninterest income to average assets | 1.1922% | 824 |
Noninterest expense to average assets | 3.9156% | 841 |
Loan and lease loss provision to assets | 0.3368% | 545 |
Net operating income to assets | 0.3059% | 5,547 |
Return on assets (ROA) | 0.3434% | 5,496 |
Pretax return on assets | 0.3968% | 5,573 |
Return on Equity (ROE) | 3.7943% | 5,234 |
Retained earnings to average equity (ytd only) | 2.2939% | 4,740 |
Net charge-offs to loans | 0.6452% | 603 |
Credit loss provision to net charge-offs | 70.8122% | 2,461 |
Earnings coverage of net charge-offs (x) | 1.4518% | 3,800 |
Efficiency ratio | 85.0105% | 1,381 |
Assets per employee ($millions) | 3.4335% | 4,990 |
Cash dividends to net income (ytd only)* | 39.5431% | 2,420 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4013% | 3,343 |
Loan loss allowance to noncurrent loans | 57.9252% | 4,882 |
Noncurrent assets plus other real estate owned to assets | 2.5191% | 1,123 |
Noncurrent loans to loans | 2.4192% | 1,297 |
Net loans and leases to total assets | 75.6955% | 1,210 |
Net loans and leases to deposits | 87.6475% | 1,637 |
Net loans and leases to core deposits | 92.9540% | 1,869 |
Total domestic deposits to total assets | 86.3636% | 2,843 |
Equity capital to assets | 9.0555% | 5,243 |
Core capital (leverage) ratio | 9.0716% | 4,906 |
Tier 1 risk-based capital ratio | 10.8072% | 6,126 |
Total risk-based capital ratio | 13.4084% | 5,361 |
Memoranda: | ||
Average total assets | $662,787,330 | 1,019 |
Average earning assets | $606,812,330 | 1,025 |
Average equity | $59,984,330 | 1,215 |
Average total loans | $488,517,330 | 912 |
2014-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2001% | 2,876 |
Cost of funding earning assets | 0.5008% | 2,903 |
Net interest margin | 3.6993% | 2,870 |
Noninterest income to average assets | 1.0094% | 1,111 |
Noninterest expense to average assets | 3.8022% | 976 |
Loan and lease loss provision to assets | 0.4671% | 331 |
Net operating income to assets | 0.1656% | 5,890 |
Return on assets (ROA) | 0.1953% | 5,861 |
Pretax return on assets | 0.1753% | 5,965 |
Return on Equity (ROE) | 2.1588% | 5,746 |
Retained earnings to average equity (ytd only) | 0.8179% | 5,265 |
Net charge-offs to loans | 0.1211% | 1,996 |
Credit loss provision to net charge-offs | 534.7222% | 515 |
Earnings coverage of net charge-offs (x) | 7.0139% | 2,164 |
Efficiency ratio | 86.1226% | 1,436 |
Assets per employee ($millions) | 3.3871% | 5,176 |
Cash dividends to net income (ytd only)* | 62.1118% | 1,356 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7302% | 2,248 |
Loan loss allowance to noncurrent loans | 49.9007% | 5,198 |
Noncurrent assets plus other real estate owned to assets | 2.7553% | 1,095 |
Noncurrent loans to loans | 3.4673% | 854 |
Net loans and leases to total assets | 71.6474% | 1,624 |
Net loans and leases to deposits | 81.7165% | 2,076 |
Net loans and leases to core deposits | 86.6390% | 2,246 |
Total domestic deposits to total assets | 87.6779% | 2,419 |
Equity capital to assets | 9.1094% | 4,989 |
Core capital (leverage) ratio | 8.9670% | 5,061 |
Tier 1 risk-based capital ratio | 11.1298% | 6,112 |
Total risk-based capital ratio | 13.7880% | 5,228 |
Memoranda: | ||
Average total assets | $659,416,000 | 1,032 |
Average earning assets | $607,037,500 | 1,034 |
Average equity | $59,662,000 | 1,225 |
Average total loans | $475,772,500 | 936 |
2013-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2098% | 3,314 |
Cost of funding earning assets | 0.5682% | 2,940 |
Net interest margin | 3.6416% | 3,277 |
Noninterest income to average assets | 2.0211% | 384 |
Noninterest expense to average assets | 4.0105% | 866 |
Loan and lease loss provision to assets | 0.5126% | 541 |
Net operating income to assets | 0.6064% | 4,237 |
Return on assets (ROA) | 0.6351% | 4,200 |
Pretax return on assets | 0.8884% | 3,815 |
Return on Equity (ROE) | 6.8192% | 3,665 |
Retained earnings to average equity (ytd only) | -6.6436% | 6,440 |
Net charge-offs to loans | 1.1421% | 477 |
Credit loss provision to net charge-offs | 60.1989% | 3,556 |
Earnings coverage of net charge-offs (x) | 1.5978% | 4,524 |
Efficiency ratio | 74.6673% | 3,018 |
Assets per employee ($millions) | 3.2760% | 5,333 |
Cash dividends to net income (ytd only)* | 197.4263% | 85 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6219% | 2,676 |
Loan loss allowance to noncurrent loans | 45.8012% | 5,430 |
Noncurrent assets plus other real estate owned to assets | 2.8803% | 1,118 |
Noncurrent loans to loans | 3.5412% | 874 |
Net loans and leases to total assets | 70.2397% | 1,975 |
Net loans and leases to deposits | 80.1916% | 2,431 |
Net loans and leases to core deposits | 84.9800% | 2,566 |
Total domestic deposits to total assets | 87.5897% | 2,424 |
Equity capital to assets | 8.9864% | 5,050 |
Core capital (leverage) ratio | 8.8617% | 5,197 |
Tier 1 risk-based capital ratio | 11.1872% | 6,082 |
Total risk-based capital ratio | 13.8541% | 5,177 |
Memoranda: | ||
Average total assets | $672,988,000 | 988 |
Average earning assets | $619,103,000 | 985 |
Average equity | $62,676,400 | 1,146 |
Average total loans | $501,808,400 | 849 |
2013-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2622% | 3,152 |
Cost of funding earning assets | 0.5847% | 2,953 |
Net interest margin | 3.6776% | 3,121 |
Noninterest income to average assets | 2.1913% | 367 |
Noninterest expense to average assets | 4.1333% | 735 |
Loan and lease loss provision to assets | 0.2170% | 1,679 |
Net operating income to assets | 0.8361% | 3,160 |
Return on assets (ROA) | 0.8726% | 3,089 |
Pretax return on assets | 1.2739% | 2,435 |
Return on Equity (ROE) | 9.2900% | 2,498 |
Retained earnings to average equity (ytd only) | -8.1432% | 6,599 |
Net charge-offs to loans | 0.8754% | 668 |
Credit loss provision to net charge-offs | 32.9046% | 3,841 |
Earnings coverage of net charge-offs (x) | 2.1792% | 4,112 |
Efficiency ratio | 74.1987% | 3,030 |
Assets per employee ($millions) | 3.2881% | 5,304 |
Cash dividends to net income (ytd only)* | 187.6553% | 78 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6766% | 2,705 |
Loan loss allowance to noncurrent loans | 38.0578% | 5,700 |
Noncurrent assets plus other real estate owned to assets | 3.5478% | 950 |
Noncurrent loans to loans | 4.4053% | 751 |
Net loans and leases to total assets | 67.6619% | 2,342 |
Net loans and leases to deposits | 77.2318% | 2,788 |
Net loans and leases to core deposits | 81.7919% | 2,893 |
Total domestic deposits to total assets | 87.6088% | 2,356 |
Equity capital to assets | 9.0180% | 5,165 |
Core capital (leverage) ratio | 8.8102% | 5,398 |
Tier 1 risk-based capital ratio | 11.6730% | 5,963 |
Total risk-based capital ratio | 14.7620% | 4,707 |
Memoranda: | ||
Average total assets | $675,799,250 | 990 |
Average earning assets | $620,976,250 | 988 |
Average equity | $63,478,750 | 1,146 |
Average total loans | $509,143,250 | 831 |
2013-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3832% | 2,633 |
Cost of funding earning assets | 0.6021% | 2,917 |
Net interest margin | 3.7812% | 2,631 |
Noninterest income to average assets | 2.3915% | 342 |
Noninterest expense to average assets | 4.2967% | 631 |
Loan and lease loss provision to assets | 0.1474% | 2,488 |
Net operating income to assets | 0.9483% | 2,578 |
Return on assets (ROA) | 0.9862% | 2,529 |
Pretax return on assets | 1.4728% | 1,703 |
Return on Equity (ROE) | 10.3633% | 2,056 |
Retained earnings to average equity (ytd only) | 0.1425% | 5,809 |
Net charge-offs to loans | 0.1191% | 3,177 |
Credit loss provision to net charge-offs | 159.7444% | 1,457 |
Earnings coverage of net charge-offs (x) | 16.9489% | 1,631 |
Efficiency ratio | 73.3189% | 3,256 |
Assets per employee ($millions) | 3.1128% | 5,652 |
Cash dividends to net income (ytd only)* | 98.6252% | 538 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1348% | 1,555 |
Loan loss allowance to noncurrent loans | 60.1068% | 4,794 |
Noncurrent assets plus other real estate owned to assets | 3.1208% | 1,281 |
Noncurrent loans to loans | 3.5517% | 1,174 |
Net loans and leases to total assets | 69.3952% | 1,998 |
Net loans and leases to deposits | 79.8191% | 2,345 |
Net loans and leases to core deposits | 84.8000% | 2,449 |
Total domestic deposits to total assets | 86.9405% | 2,854 |
Equity capital to assets | 9.5470% | 4,521 |
Core capital (leverage) ratio | 9.3927% | 4,400 |
Tier 1 risk-based capital ratio | 12.6835% | 5,365 |
Total risk-based capital ratio | 15.8135% | 4,030 |
Memoranda: | ||
Average total assets | $678,573,670 | 982 |
Average earning assets | $622,508,000 | 987 |
Average equity | $64,574,000 | 1,122 |
Average total loans | $525,748,330 | 793 |
2013-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5329% | 2,051 |
Cost of funding earning assets | 0.6190% | 2,933 |
Net interest margin | 3.9140% | 2,068 |
Noninterest income to average assets | 2.5555% | 310 |
Noninterest expense to average assets | 4.3118% | 620 |
Loan and lease loss provision to assets | 0.2342% | 1,559 |
Net operating income to assets | 1.0547% | 2,018 |
Return on assets (ROA) | 1.0632% | 2,097 |
Pretax return on assets | 1.6059% | 1,294 |
Return on Equity (ROE) | 11.1902% | 1,644 |
Retained earnings to average equity (ytd only) | 1.9472% | 5,030 |
Net charge-offs to loans | 0.0762% | 3,080 |
Credit loss provision to net charge-offs | 380.9524% | 660 |
Earnings coverage of net charge-offs (x) | 29.7238% | 961 |
Efficiency ratio | 70.2365% | 3,929 |
Assets per employee ($millions) | 3.1381% | 5,748 |
Cash dividends to net income (ytd only)* | 82.5991% | 853 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0108% | 2,011 |
Loan loss allowance to noncurrent loans | 94.7529% | 3,506 |
Noncurrent assets plus other real estate owned to assets | 2.7214% | 1,666 |
Noncurrent loans to loans | 2.1222% | 2,471 |
Net loans and leases to total assets | 73.9534% | 1,089 |
Net loans and leases to deposits | 85.0556% | 1,461 |
Net loans and leases to core deposits | 90.4771% | 1,657 |
Total domestic deposits to total assets | 86.9472% | 2,993 |
Equity capital to assets | 9.6445% | 4,647 |
Core capital (leverage) ratio | 9.3398% | 4,343 |
Tier 1 risk-based capital ratio | 12.2334% | 5,769 |
Total risk-based capital ratio | 15.2835% | 4,441 |
Memoranda: | ||
Average total assets | $683,233,500 | 984 |
Average earning assets | $625,554,500 | 992 |
Average equity | $64,914,000 | 1,136 |
Average total loans | $551,342,000 | 756 |
2012-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7326% | 2,460 |
Cost of funding earning assets | 0.7971% | 2,689 |
Net interest margin | 3.9356% | 2,668 |
Noninterest income to average assets | 2.8057% | 277 |
Noninterest expense to average assets | 4.3594% | 644 |
Loan and lease loss provision to assets | 0.3486% | 1,917 |
Net operating income to assets | 1.1396% | 1,806 |
Return on assets (ROA) | 1.1433% | 1,963 |
Pretax return on assets | 1.7125% | 1,104 |
Return on Equity (ROE) | 12.8052% | 1,280 |
Retained earnings to average equity (ytd only) | 12.8052% | 264 |
Net charge-offs to loans | 0.7752% | 1,514 |
Credit loss provision to net charge-offs | 56.0703% | 4,549 |
Earnings coverage of net charge-offs (x) | 3.3065% | 3,780 |
Efficiency ratio | 67.9561% | 4,152 |
Assets per employee ($millions) | 3.3259% | 5,368 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6755% | 3,022 |
Loan loss allowance to noncurrent loans | 75.9084% | 4,057 |
Noncurrent assets plus other real estate owned to assets | 2.7523% | 1,748 |
Noncurrent loans to loans | 2.2073% | 2,452 |
Net loans and leases to total assets | 84.3544% | 199 |
Net loans and leases to deposits | 98.6903% | 472 |
Net loans and leases to core deposits | 105.1914% | 725 |
Total domestic deposits to total assets | 85.4738% | 3,626 |
Equity capital to assets | 9.3611% | 5,054 |
Core capital (leverage) ratio | 9.2293% | 4,527 |
Tier 1 risk-based capital ratio | 11.2667% | 6,234 |
Total risk-based capital ratio | 14.1776% | 5,104 |
Memoranda: | ||
Average total assets | $677,015,800 | 967 |
Average earning assets | $620,902,400 | 965 |
Average equity | $60,444,000 | 1,181 |
Average total loans | $542,958,400 | 762 |
2012-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7281% | 2,678 |
Cost of funding earning assets | 0.8383% | 2,641 |
Net interest margin | 3.8897% | 2,948 |
Noninterest income to average assets | 2.6221% | 298 |
Noninterest expense to average assets | 4.1724% | 750 |
Loan and lease loss provision to assets | 0.4079% | 1,572 |
Net operating income to assets | 1.0899% | 2,130 |
Return on assets (ROA) | 1.0899% | 2,326 |
Pretax return on assets | 1.6113% | 1,540 |
Return on Equity (ROE) | 12.3615% | 1,507 |
Retained earnings to average equity (ytd only) | 12.3615% | 471 |
Net charge-offs to loans | 0.7864% | 1,409 |
Credit loss provision to net charge-offs | 65.8568% | 4,009 |
Earnings coverage of net charge-offs (x) | 3.2599% | 3,723 |
Efficiency ratio | 67.3884% | 4,200 |
Assets per employee ($millions) | 3.2792% | 5,479 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9323% | 2,383 |
Loan loss allowance to noncurrent loans | 50.1473% | 5,119 |
Noncurrent assets plus other real estate owned to assets | 3.8694% | 1,265 |
Noncurrent loans to loans | 3.8533% | 1,358 |
Net loans and leases to total assets | 80.5773% | 463 |
Net loans and leases to deposits | 92.4297% | 927 |
Net loans and leases to core deposits | 100.8521% | 1,059 |
Total domestic deposits to total assets | 87.1768% | 2,571 |
Equity capital to assets | 9.2559% | 5,521 |
Core capital (leverage) ratio | 8.9994% | 5,070 |
Tier 1 risk-based capital ratio | 11.1414% | 6,425 |
Total risk-based capital ratio | 14.0935% | 5,341 |
Memoranda: | ||
Average total assets | $673,325,000 | 982 |
Average earning assets | $617,883,250 | 979 |
Average equity | $59,365,500 | 1,204 |
Average total loans | $530,325,500 | 782 |
2012-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8107% | 2,459 |
Cost of funding earning assets | 0.8794% | 2,566 |
Net interest margin | 3.9313% | 2,788 |
Noninterest income to average assets | 2.4285% | 308 |
Noninterest expense to average assets | 4.0152% | 924 |
Loan and lease loss provision to assets | 0.4341% | 1,497 |
Net operating income to assets | 1.0785% | 2,130 |
Return on assets (ROA) | 1.0785% | 2,350 |
Pretax return on assets | 1.5816% | 1,597 |
Return on Equity (ROE) | 12.4399% | 1,521 |
Retained earnings to average equity (ytd only) | 12.4399% | 515 |
Net charge-offs to loans | 0.8202% | 1,344 |
Credit loss provision to net charge-offs | 68.1924% | 3,608 |
Earnings coverage of net charge-offs (x) | 3.1663% | 3,473 |
Efficiency ratio | 66.5763% | 4,409 |
Assets per employee ($millions) | 3.3857% | 5,237 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1499% | 1,886 |
Loan loss allowance to noncurrent loans | 51.0404% | 5,060 |
Noncurrent assets plus other real estate owned to assets | 4.1579% | 1,203 |
Noncurrent loans to loans | 4.2122% | 1,294 |
Net loans and leases to total assets | 74.6879% | 1,143 |
Net loans and leases to deposits | 85.3794% | 1,674 |
Net loans and leases to core deposits | 93.1554% | 1,671 |
Total domestic deposits to total assets | 87.4776% | 2,481 |
Equity capital to assets | 8.9372% | 5,766 |
Core capital (leverage) ratio | 8.7886% | 5,233 |
Tier 1 risk-based capital ratio | 11.1204% | 6,441 |
Total risk-based capital ratio | 14.1215% | 5,251 |
Memoranda: | ||
Average total assets | $672,596,000 | 980 |
Average earning assets | $616,336,000 | 979 |
Average equity | $58,312,330 | 1,216 |
Average total loans | $522,089,330 | 791 |
2012-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8908% | 2,285 |
Cost of funding earning assets | 0.9070% | 2,634 |
Net interest margin | 3.9838% | 2,577 |
Noninterest income to average assets | 2.0927% | 378 |
Noninterest expense to average assets | 3.8053% | 1,209 |
Loan and lease loss provision to assets | 0.8712% | 517 |
Net operating income to assets | 0.7668% | 3,534 |
Return on assets (ROA) | 0.7668% | 3,770 |
Pretax return on assets | 1.0646% | 3,457 |
Return on Equity (ROE) | 8.9844% | 2,844 |
Retained earnings to average equity (ytd only) | 8.9844% | 1,603 |
Net charge-offs to loans | 0.5809% | 1,646 |
Credit loss provision to net charge-offs | 191.6010% | 1,380 |
Earnings coverage of net charge-offs (x) | 4.2572% | 2,617 |
Efficiency ratio | 66.2821% | 4,508 |
Assets per employee ($millions) | 3.6286% | 4,806 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.2211% | 1,845 |
Loan loss allowance to noncurrent loans | 53.8707% | 4,854 |
Noncurrent assets plus other real estate owned to assets | 4.6274% | 1,149 |
Noncurrent loans to loans | 4.1230% | 1,468 |
Net loans and leases to total assets | 82.3621% | 255 |
Net loans and leases to deposits | 93.2685% | 711 |
Net loans and leases to core deposits | 101.9638% | 866 |
Total domestic deposits to total assets | 88.3065% | 2,125 |
Equity capital to assets | 8.6922% | 5,880 |
Core capital (leverage) ratio | 8.3500% | 5,809 |
Tier 1 risk-based capital ratio | 9.9213% | 6,896 |
Total risk-based capital ratio | 12.8333% | 6,211 |
Memoranda: | ||
Average total assets | $670,325,000 | 983 |
Average earning assets | $613,882,000 | 975 |
Average equity | $57,210,000 | 1,238 |
Average total loans | $524,708,000 | 793 |
2011-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0625% | 2,595 |
Cost of funding earning assets | 1.0624% | 2,938 |
Net interest margin | 4.0000% | 2,872 |
Noninterest income to average assets | 1.2920% | 773 |
Noninterest expense to average assets | 3.4573% | 2,099 |
Loan and lease loss provision to assets | 1.0272% | 916 |
Net operating income to assets | 0.3621% | 5,025 |
Return on assets (ROA) | 0.3908% | 5,075 |
Pretax return on assets | 0.4905% | 5,021 |
Return on Equity (ROE) | 4.7725% | 4,493 |
Retained earnings to average equity (ytd only) | 4.7725% | 2,807 |
Net charge-offs to loans | 1.4870% | 1,080 |
Credit loss provision to net charge-offs | 92.3554% | 3,902 |
Earnings coverage of net charge-offs (x) | 1.3323% | 4,777 |
Efficiency ratio | 69.9982% | 3,960 |
Assets per employee ($millions) | 3.8678% | 4,163 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.4212% | 1,423 |
Loan loss allowance to noncurrent loans | 51.4597% | 4,941 |
Noncurrent assets plus other real estate owned to assets | 4.4045% | 1,254 |
Noncurrent loans to loans | 4.7050% | 1,249 |
Net loans and leases to total assets | 70.6154% | 1,901 |
Net loans and leases to deposits | 79.4919% | 2,613 |
Net loans and leases to core deposits | 88.4123% | 2,334 |
Total domestic deposits to total assets | 88.8335% | 1,647 |
Equity capital to assets | 8.3784% | 6,273 |
Core capital (leverage) ratio | 8.0181% | 6,245 |
Tier 1 risk-based capital ratio | 9.5985% | 6,940 |
Total risk-based capital ratio | 12.5032% | 6,287 |
Memoranda: | ||
Average total assets | $666,875,600 | 973 |
Average earning assets | $608,045,200 | 967 |
Average equity | $54,604,400 | 1,243 |
Average total loans | $498,792,600 | 839 |
2011-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0174% | 3,001 |
Cost of funding earning assets | 1.0949% | 3,013 |
Net interest margin | 3.9224% | 3,262 |
Noninterest income to average assets | 1.1320% | 1,032 |
Noninterest expense to average assets | 3.3572% | 2,322 |
Loan and lease loss provision to assets | 1.0320% | 821 |
Net operating income to assets | 0.2651% | 5,526 |
Return on assets (ROA) | 0.3058% | 5,548 |
Pretax return on assets | 0.3615% | 5,575 |
Return on Equity (ROE) | 3.7568% | 5,106 |
Retained earnings to average equity (ytd only) | 3.7568% | 4,075 |
Net charge-offs to loans | 1.4509% | 1,009 |
Credit loss provision to net charge-offs | 94.3223% | 3,625 |
Earnings coverage of net charge-offs (x) | 1.2299% | 4,698 |
Efficiency ratio | 71.3866% | 3,671 |
Assets per employee ($millions) | 3.9603% | 3,935 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.4601% | 1,451 |
Loan loss allowance to noncurrent loans | 49.3225% | 5,060 |
Noncurrent assets plus other real estate owned to assets | 5.0503% | 1,136 |
Noncurrent loans to loans | 4.9877% | 1,248 |
Net loans and leases to total assets | 72.2340% | 1,661 |
Net loans and leases to deposits | 81.5419% | 2,440 |
Net loans and leases to core deposits | 91.4171% | 2,064 |
Total domestic deposits to total assets | 88.5850% | 1,705 |
Equity capital to assets | 8.3563% | 6,436 |
Core capital (leverage) ratio | 8.1549% | 6,193 |
Tier 1 risk-based capital ratio | 9.6375% | 7,031 |
Total risk-based capital ratio | 12.5289% | 6,368 |
Memoranda: | ||
Average total assets | $665,345,500 | 980 |
Average earning assets | $605,696,000 | 975 |
Average equity | $54,159,000 | 1,256 |
Average total loans | $501,733,000 | 845 |
2011-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0004% | 3,155 |
Cost of funding earning assets | 1.1179% | 3,106 |
Net interest margin | 3.8825% | 3,388 |
Noninterest income to average assets | 0.9210% | 1,582 |
Noninterest expense to average assets | 3.2976% | 2,576 |
Loan and lease loss provision to assets | 1.0050% | 866 |
Net operating income to assets | 0.1397% | 5,911 |
Return on assets (ROA) | 0.1986% | 5,861 |
Pretax return on assets | 0.2139% | 5,906 |
Return on Equity (ROE) | 2.4614% | 5,615 |
Retained earnings to average equity (ytd only) | 2.4614% | 4,719 |
Net charge-offs to loans | 0.8977% | 1,734 |
Credit loss provision to net charge-offs | 147.5771% | 2,071 |
Earnings coverage of net charge-offs (x) | 1.6969% | 4,024 |
Efficiency ratio | 74.0501% | 3,354 |
Assets per employee ($millions) | 3.9278% | 3,927 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.6817% | 1,198 |
Loan loss allowance to noncurrent loans | 44.9977% | 5,311 |
Noncurrent assets plus other real estate owned to assets | 6.2707% | 873 |
Noncurrent loans to loans | 5.9596% | 1,008 |
Net loans and leases to total assets | 73.9085% | 1,437 |
Net loans and leases to deposits | 83.6430% | 2,161 |
Net loans and leases to core deposits | 94.9942% | 1,798 |
Total domestic deposits to total assets | 88.3618% | 1,937 |
Equity capital to assets | 8.2303% | 6,490 |
Core capital (leverage) ratio | 7.9973% | 6,302 |
Tier 1 risk-based capital ratio | 9.6273% | 7,079 |
Total risk-based capital ratio | 12.5439% | 6,315 |
Memoranda: | ||
Average total assets | $666,671,000 | 989 |
Average earning assets | $606,516,330 | 980 |
Average equity | $53,790,000 | 1,253 |
Average total loans | $505,716,670 | 852 |
2011-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0703% | 2,773 |
Cost of funding earning assets | 1.1523% | 3,147 |
Net interest margin | 3.9180% | 3,058 |
Noninterest income to average assets | 1.2017% | 884 |
Noninterest expense to average assets | 3.2510% | 2,702 |
Loan and lease loss provision to assets | 1.0148% | 748 |
Net operating income to assets | 0.3559% | 5,145 |
Return on assets (ROA) | 0.3970% | 5,054 |
Pretax return on assets | 0.5599% | 4,829 |
Return on Equity (ROE) | 4.9692% | 4,424 |
Retained earnings to average equity (ytd only) | 4.9692% | 3,215 |
Net charge-offs to loans | 1.2953% | 1,070 |
Credit loss provision to net charge-offs | 103.3435% | 2,568 |
Earnings coverage of net charge-offs (x) | 1.5447% | 3,552 |
Efficiency ratio | 68.1858% | 4,620 |
Assets per employee ($millions) | 4.0721% | 3,693 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.4730% | 1,498 |
Loan loss allowance to noncurrent loans | 43.3283% | 5,407 |
Noncurrent assets plus other real estate owned to assets | 6.0005% | 966 |
Noncurrent loans to loans | 5.7076% | 1,133 |
Net loans and leases to total assets | 73.7572% | 1,386 |
Net loans and leases to deposits | 82.7713% | 2,222 |
Net loans and leases to core deposits | 95.2137% | 1,744 |
Total domestic deposits to total assets | 89.1097% | 1,707 |
Equity capital to assets | 8.1306% | 6,363 |
Core capital (leverage) ratio | 7.9114% | 6,354 |
Tier 1 risk-based capital ratio | 9.3758% | 7,175 |
Total risk-based capital ratio | 12.2430% | 6,496 |
Memoranda: | ||
Average total assets | $670,068,000 | 998 |
Average earning assets | $609,910,500 | 991 |
Average equity | $53,530,000 | 1,251 |
Average total loans | $508,003,000 | 864 |
2010-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1803% | 3,701 |
Cost of funding earning assets | 1.4765% | 2,778 |
Net interest margin | 3.7038% | 4,325 |
Noninterest income to average assets | 1.3632% | 792 |
Noninterest expense to average assets | 3.2459% | 2,930 |
Loan and lease loss provision to assets | 2.1739% | 577 |
Net operating income to assets | -0.3645% | 6,278 |
Return on assets (ROA) | -0.3153% | 6,269 |
Pretax return on assets | -0.5999% | 6,397 |
Return on Equity (ROE) | -4.1611% | 6,369 |
Retained earnings to average equity (ytd only) | -4.1611% | 6,216 |
Net charge-offs to loans | 2.4427% | 771 |
Credit loss provision to net charge-offs | 117.7207% | 3,622 |
Earnings coverage of net charge-offs (x) | 0.8107% | 5,319 |
Efficiency ratio | 68.4354% | 4,468 |
Assets per employee ($millions) | 4.3638% | 3,090 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.4043% | 1,540 |
Loan loss allowance to noncurrent loans | 41.1432% | 5,560 |
Noncurrent assets plus other real estate owned to assets | 5.8971% | 1,020 |
Noncurrent loans to loans | 5.8438% | 1,086 |
Net loans and leases to total assets | 74.1691% | 1,625 |
Net loans and leases to deposits | 82.7475% | 2,673 |
Net loans and leases to core deposits | 95.5644% | 2,064 |
Total domestic deposits to total assets | 89.6330% | 1,302 |
Equity capital to assets | 7.8495% | 6,640 |
Core capital (leverage) ratio | 7.5901% | 6,627 |
Tier 1 risk-based capital ratio | 8.9984% | 7,246 |
Total risk-based capital ratio | 11.8166% | 6,630 |
Memoranda: | ||
Average total assets | $696,137,200 | 956 |
Average earning assets | $635,233,000 | 950 |
Average equity | $52,750,400 | 1,268 |
Average total loans | $526,268,600 | 851 |
2010-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1273% | 4,181 |
Cost of funding earning assets | 1.5230% | 2,819 |
Net interest margin | 3.6043% | 4,849 |
Noninterest income to average assets | 1.1822% | 999 |
Noninterest expense to average assets | 3.0170% | 3,682 |
Loan and lease loss provision to assets | 2.5309% | 410 |
Net operating income to assets | -0.6216% | 6,680 |
Return on assets (ROA) | -0.5565% | 6,689 |
Pretax return on assets | -0.9735% | 6,843 |
Return on Equity (ROE) | -7.4077% | 6,806 |
Retained earnings to average equity (ytd only) | -7.4077% | 6,735 |
Net charge-offs to loans | 2.9622% | 534 |
Credit loss provision to net charge-offs | 113.1633% | 3,710 |
Earnings coverage of net charge-offs (x) | 0.6509% | 5,391 |
Efficiency ratio | 67.4547% | 4,571 |
Assets per employee ($millions) | 4.5744% | 2,786 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.2399% | 1,723 |
Loan loss allowance to noncurrent loans | 43.1151% | 5,409 |
Noncurrent assets plus other real estate owned to assets | 5.2466% | 1,196 |
Noncurrent loans to loans | 5.1951% | 1,311 |
Net loans and leases to total assets | 72.5186% | 2,126 |
Net loans and leases to deposits | 80.7835% | 3,310 |
Net loans and leases to core deposits | 94.2891% | 2,487 |
Total domestic deposits to total assets | 89.7691% | 988 |
Equity capital to assets | 7.5822% | 7,073 |
Core capital (leverage) ratio | 7.4317% | 6,898 |
Tier 1 risk-based capital ratio | 8.7280% | 7,414 |
Total risk-based capital ratio | 11.5162% | 6,908 |
Memoranda: | ||
Average total assets | $701,074,750 | 954 |
Average earning assets | $640,039,250 | 951 |
Average equity | $52,664,750 | 1,273 |
Average total loans | $529,328,500 | 854 |
2010-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0831% | 4,547 |
Cost of funding earning assets | 1.5613% | 2,899 |
Net interest margin | 3.5219% | 5,152 |
Noninterest income to average assets | 0.8762% | 1,776 |
Noninterest expense to average assets | 2.8531% | 4,253 |
Loan and lease loss provision to assets | 1.9069% | 652 |
Net operating income to assets | -0.3679% | 6,536 |
Return on assets (ROA) | -0.3342% | 6,551 |
Pretax return on assets | -0.6173% | 6,675 |
Return on Equity (ROE) | -4.4622% | 6,653 |
Retained earnings to average equity (ytd only) | -4.4622% | 6,496 |
Net charge-offs to loans | 2.4400% | 715 |
Credit loss provision to net charge-offs | 102.9081% | 3,961 |
Earnings coverage of net charge-offs (x) | 0.6675% | 5,077 |
Efficiency ratio | 69.7595% | 4,230 |
Assets per employee ($millions) | 4.7889% | 2,462 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9251% | 2,358 |
Loan loss allowance to noncurrent loans | 41.5436% | 5,562 |
Noncurrent assets plus other real estate owned to assets | 4.6186% | 1,419 |
Noncurrent loans to loans | 4.6339% | 1,555 |
Net loans and leases to total assets | 74.3243% | 1,842 |
Net loans and leases to deposits | 82.8284% | 3,110 |
Net loans and leases to core deposits | 98.3027% | 2,196 |
Total domestic deposits to total assets | 89.7329% | 1,058 |
Equity capital to assets | 7.3400% | 7,202 |
Core capital (leverage) ratio | 7.2261% | 7,053 |
Tier 1 risk-based capital ratio | 8.5541% | 7,480 |
Total risk-based capital ratio | 11.3429% | 6,948 |
Memoranda: | ||
Average total assets | $701,470,670 | 961 |
Average earning assets | $640,115,000 | 958 |
Average equity | $52,530,670 | 1,267 |
Average total loans | $532,712,330 | 860 |
2010-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0952% | 4,549 |
Cost of funding earning assets | 1.6076% | 2,916 |
Net interest margin | 3.4876% | 5,214 |
Noninterest income to average assets | 0.8546% | 1,796 |
Noninterest expense to average assets | 2.7094% | 4,865 |
Loan and lease loss provision to assets | 1.1356% | 1,080 |
Net operating income to assets | 0.1391% | 5,890 |
Return on assets (ROA) | 0.1959% | 5,823 |
Pretax return on assets | 0.2593% | 5,719 |
Return on Equity (ROE) | 2.5906% | 5,525 |
Retained earnings to average equity (ytd only) | 2.5906% | 4,587 |
Net charge-offs to loans | 1.0309% | 1,597 |
Credit loss provision to net charge-offs | 144.8980% | 2,458 |
Earnings coverage of net charge-offs (x) | 1.6844% | 3,724 |
Efficiency ratio | 67.2384% | 4,871 |
Assets per employee ($millions) | 4.9212% | 2,343 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0030% | 2,180 |
Loan loss allowance to noncurrent loans | 54.3768% | 4,696 |
Noncurrent assets plus other real estate owned to assets | 4.2859% | 1,587 |
Noncurrent loans to loans | 3.6836% | 2,159 |
Net loans and leases to total assets | 74.3678% | 1,898 |
Net loans and leases to deposits | 82.9677% | 3,109 |
Net loans and leases to core deposits | 96.7234% | 2,498 |
Total domestic deposits to total assets | 89.6346% | 1,167 |
Equity capital to assets | 7.5549% | 7,028 |
Core capital (leverage) ratio | 7.5397% | 6,811 |
Tier 1 risk-based capital ratio | 8.5924% | 7,551 |
Total risk-based capital ratio | 11.3408% | 6,964 |
Memoranda: | ||
Average total assets | $700,224,000 | 981 |
Average earning assets | $637,467,000 | 982 |
Average equity | $52,960,500 | 1,266 |
Average total loans | $532,325,500 | 883 |
2009-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3946% | 4,724 |
Cost of funding earning assets | 2.1206% | 2,362 |
Net interest margin | 3.2740% | 5,842 |
Noninterest income to average assets | 1.4612% | 673 |
Noninterest expense to average assets | 2.8494% | 4,752 |
Loan and lease loss provision to assets | 1.5950% | 1,434 |
Net operating income to assets | 0.0454% | 5,350 |
Return on assets (ROA) | -0.0274% | 5,576 |
Pretax return on assets | -0.0870% | 5,583 |
Return on Equity (ROE) | -0.3562% | 5,597 |
Retained earnings to average equity (ytd only) | -0.3562% | 5,047 |
Net charge-offs to loans | 1.1876% | 2,065 |
Credit loss provision to net charge-offs | 169.7048% | 2,517 |
Earnings coverage of net charge-offs (x) | 1.7256% | 4,441 |
Efficiency ratio | 63.7267% | 5,822 |
Assets per employee ($millions) | 4.9766% | 2,251 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8999% | 2,262 |
Loan loss allowance to noncurrent loans | 71.1784% | 3,857 |
Noncurrent assets plus other real estate owned to assets | 3.8335% | 1,738 |
Noncurrent loans to loans | 2.6692% | 2,872 |
Net loans and leases to total assets | 74.7109% | 2,093 |
Net loans and leases to deposits | 83.5790% | 3,349 |
Net loans and leases to core deposits | 104.6178% | 3,503 |
Total domestic deposits to total assets | 89.3896% | 1,270 |
Equity capital to assets | 7.5719% | 6,969 |
Core capital (leverage) ratio | 7.4549% | 6,831 |
Tier 1 risk-based capital ratio | 8.5017% | 7,587 |
Total risk-based capital ratio | 11.2401% | 6,854 |
Memoranda: | ||
Average total assets | $659,548,000 | 1,052 |
Average earning assets | $606,383,800 | 1,034 |
Average equity | $50,819,000 | 1,315 |
Average total loans | $521,995,200 | 912 |
2009-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3828% | 5,027 |
Cost of funding earning assets | 2.2091% | 2,366 |
Net interest margin | 3.1737% | 6,105 |
Noninterest income to average assets | 1.6028% | 577 |
Noninterest expense to average assets | 2.9871% | 4,100 |
Loan and lease loss provision to assets | 1.0187% | 1,886 |
Net operating income to assets | 0.3818% | 4,473 |
Return on assets (ROA) | 0.2694% | 5,008 |
Pretax return on assets | 0.3709% | 4,875 |
Return on Equity (ROE) | 3.4806% | 4,587 |
Retained earnings to average equity (ytd only) | 3.4806% | 3,345 |
Net charge-offs to loans | 0.9464% | 2,080 |
Credit loss provision to net charge-offs | 134.6341% | 3,694 |
Earnings coverage of net charge-offs (x) | 2.0401% | 4,292 |
Efficiency ratio | 65.9305% | 5,378 |
Assets per employee ($millions) | 4.9743% | 2,182 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3259% | 4,345 |
Loan loss allowance to noncurrent loans | 48.8513% | 5,056 |
Noncurrent assets plus other real estate owned to assets | 3.0547% | 2,257 |
Noncurrent loans to loans | 2.7143% | 2,789 |
Net loans and leases to total assets | 77.4205% | 1,688 |
Net loans and leases to deposits | 87.2289% | 3,104 |
Net loans and leases to core deposits | 110.2053% | 3,213 |
Total domestic deposits to total assets | 88.7556% | 1,310 |
Equity capital to assets | 8.0708% | 6,777 |
Core capital (leverage) ratio | 7.8359% | 6,570 |
Tier 1 risk-based capital ratio | 8.8216% | 7,674 |
Total risk-based capital ratio | 11.4809% | 6,690 |
Memoranda: | ||
Average total assets | $650,255,250 | 1,082 |
Average earning assets | $599,866,250 | 1,061 |
Average equity | $50,335,000 | 1,353 |
Average total loans | $519,842,500 | 932 |
2009-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.4158% | 5,057 |
Cost of funding earning assets | 2.3276% | 2,245 |
Net interest margin | 3.0882% | 6,287 |
Noninterest income to average assets | 1.6863% | 515 |
Noninterest expense to average assets | 2.8483% | 4,750 |
Loan and lease loss provision to assets | 1.0073% | 1,670 |
Net operating income to assets | 0.4581% | 4,262 |
Return on assets (ROA) | 0.3457% | 4,811 |
Pretax return on assets | 0.5110% | 4,582 |
Return on Equity (ROE) | 4.5345% | 4,286 |
Retained earnings to average equity (ytd only) | 4.5345% | 2,770 |
Net charge-offs to loans | 0.5544% | 2,668 |
Credit loss provision to net charge-offs | 225.7862% | 2,040 |
Earnings coverage of net charge-offs (x) | 3.7736% | 3,312 |
Efficiency ratio | 62.8509% | 6,111 |
Assets per employee ($millions) | 4.9620% | 2,125 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4185% | 3,633 |
Loan loss allowance to noncurrent loans | 44.9225% | 5,366 |
Noncurrent assets plus other real estate owned to assets | 3.0386% | 2,087 |
Noncurrent loans to loans | 3.1577% | 2,261 |
Net loans and leases to total assets | 77.8561% | 1,781 |
Net loans and leases to deposits | 93.0612% | 2,260 |
Net loans and leases to core deposits | 120.4300% | 2,331 |
Total domestic deposits to total assets | 83.6611% | 3,939 |
Equity capital to assets | 7.8970% | 6,870 |
Core capital (leverage) ratio | 8.1010% | 6,165 |
Tier 1 risk-based capital ratio | 8.8562% | 7,768 |
Total risk-based capital ratio | 11.6082% | 6,460 |
Memoranda: | ||
Average total assets | $641,506,000 | 1,118 |
Average earning assets | $591,084,670 | 1,100 |
Average equity | $48,913,670 | 1,407 |
Average total loans | $516,193,330 | 963 |
2009-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.4705% | 5,064 |
Cost of funding earning assets | 2.4733% | 2,012 |
Net interest margin | 2.9971% | 6,484 |
Noninterest income to average assets | 1.3866% | 734 |
Noninterest expense to average assets | 2.6720% | 5,141 |
Loan and lease loss provision to assets | 0.7650% | 1,682 |
Net operating income to assets | 0.4671% | 4,582 |
Return on assets (ROA) | 0.4609% | 4,788 |
Pretax return on assets | 0.7202% | 4,359 |
Return on Equity (ROE) | 6.1637% | 3,976 |
Retained earnings to average equity (ytd only) | 6.1637% | 2,561 |
Net charge-offs to loans | 0.1623% | 3,668 |
Credit loss provision to net charge-offs | 580.0971% | 975 |
Earnings coverage of net charge-offs (x) | 11.3350% | 1,882 |
Efficiency ratio | 64.1266% | 5,668 |
Assets per employee ($millions) | 5.3232% | 1,724 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3125% | 4,006 |
Loan loss allowance to noncurrent loans | 55.3151% | 4,879 |
Noncurrent assets plus other real estate owned to assets | 2.1294% | 2,707 |
Noncurrent loans to loans | 2.3728% | 2,771 |
Net loans and leases to total assets | 80.1080% | 1,366 |
Net loans and leases to deposits | 96.1993% | 1,911 |
Net loans and leases to core deposits | 123.4189% | 2,123 |
Total domestic deposits to total assets | 83.2730% | 4,003 |
Equity capital to assets | 8.1778% | 6,563 |
Core capital (leverage) ratio | 8.3190% | 5,869 |
Tier 1 risk-based capital ratio | 9.2468% | 7,631 |
Total risk-based capital ratio | 12.0092% | 6,040 |
Memoranda: | ||
Average total assets | $624,845,500 | 1,139 |
Average earning assets | $579,622,000 | 1,126 |
Average equity | $46,725,000 | 1,477 |
Average total loans | $507,813,000 | 986 |
2008-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.0983% | 5,053 |
Cost of funding earning assets | 3.1474% | 1,360 |
Net interest margin | 2.9509% | 7,028 |
Noninterest income to average assets | 0.7832% | 2,604 |
Noninterest expense to average assets | 2.4948% | 6,032 |
Loan and lease loss provision to assets | 0.3414% | 3,659 |
Net operating income to assets | 0.4453% | 4,969 |
Return on assets (ROA) | 0.4717% | 4,678 |
Pretax return on assets | 0.7224% | 4,325 |
Return on Equity (ROE) | 6.4739% | 3,766 |
Retained earnings to average equity (ytd only) | 6.1059% | 1,482 |
Net charge-offs to loans | 0.1514% | 4,689 |
Credit loss provision to net charge-offs | 280.0587% | 1,627 |
Earnings coverage of net charge-offs (x) | 8.3944% | 2,891 |
Efficiency ratio | 70.9155% | 4,154 |
Assets per employee ($millions) | 5.1784% | 1,746 |
Cash dividends to net income (ytd only)* | 5.6840% | 4,772 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1487% | 4,929 |
Loan loss allowance to noncurrent loans | 101.8388% | 3,404 |
Noncurrent assets plus other real estate owned to assets | 1.0360% | 4,231 |
Noncurrent loans to loans | 1.1280% | 4,290 |
Net loans and leases to total assets | 80.4349% | 1,564 |
Net loans and leases to deposits | 99.5103% | 1,902 |
Net loans and leases to core deposits | 131.0552% | 1,776 |
Total domestic deposits to total assets | 80.8307% | 4,721 |
Equity capital to assets | 6.7584% | 7,848 |
Core capital (leverage) ratio | 7.0012% | 7,698 |
Tier 1 risk-based capital ratio | 7.6158% | 8,121 |
Total risk-based capital ratio | 10.2905% | 7,733 |
Memoranda: | ||
Average total assets | $559,513,400 | 1,209 |
Average earning assets | $518,558,000 | 1,193 |
Average equity | $40,763,800 | 1,645 |
Average total loans | $450,568,600 | 1,067 |