Home > First Trust and Savings Bank, Oneida, Tennessee > Performance and Condition Ratios
First Trust and Savings Bank, Oneida, Tennessee, Performance and Condition Ratios
2014-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5126% | 1,778 |
Cost of funding earning assets | 0.7686% | 891 |
Net interest margin | 3.7440% | 2,699 |
Noninterest income to average assets | 0.5012% | 3,402 |
Noninterest expense to average assets | 2.8991% | 3,220 |
Loan and lease loss provision to assets | 0.1384% | 1,755 |
Net operating income to assets | 0.8667% | 2,814 |
Return on assets (ROA) | 0.8667% | 2,883 |
Pretax return on assets | 0.9165% | 3,641 |
Return on Equity (ROE) | 8.2061% | 2,839 |
Retained earnings to average equity (ytd only) | 8.2061% | 1,533 |
Net charge-offs to loans | 0.2435% | 1,348 |
Credit loss provision to net charge-offs | 94.3396% | 1,758 |
Earnings coverage of net charge-offs (x) | 7.1887% | 2,147 |
Efficiency ratio | 73.3193% | 3,256 |
Assets per employee ($millions) | 2.9274% | 5,946 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0924% | 1,337 |
Loan loss allowance to noncurrent loans | 97.8249% | 3,663 |
Noncurrent assets plus other real estate owned to assets | 3.5670% | 729 |
Noncurrent loans to loans | 2.1389% | 1,709 |
Net loans and leases to total assets | 57.5107% | 3,923 |
Net loans and leases to deposits | 66.9080% | 3,986 |
Net loans and leases to core deposits | 71.3514% | 3,940 |
Total domestic deposits to total assets | 85.9549% | 3,391 |
Equity capital to assets | 10.5554% | 3,198 |
Core capital (leverage) ratio | 10.8099% | 2,584 |
Tier 1 risk-based capital ratio | 17.0590% | 2,664 |
Total risk-based capital ratio | 18.3175% | 2,611 |
Memoranda: | ||
Average total assets | $144,461,000 | 3,796 |
Average earning assets | $133,226,500 | 3,779 |
Average equity | $15,257,000 | 3,818 |
Average total loans | $87,049,500 | 3,768 |
2013-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7633% | 1,396 |
Cost of funding earning assets | 0.8951% | 757 |
Net interest margin | 3.8682% | 2,402 |
Noninterest income to average assets | 0.3465% | 4,845 |
Noninterest expense to average assets | 3.1002% | 2,731 |
Loan and lease loss provision to assets | 0.4832% | 578 |
Net operating income to assets | 0.3007% | 5,523 |
Return on assets (ROA) | 0.3175% | 5,558 |
Pretax return on assets | 0.3369% | 5,632 |
Return on Equity (ROE) | 3.0357% | 5,492 |
Retained earnings to average equity (ytd only) | 3.0357% | 4,070 |
Net charge-offs to loans | 1.2440% | 418 |
Credit loss provision to net charge-offs | 61.3497% | 3,517 |
Earnings coverage of net charge-offs (x) | 1.0184% | 4,736 |
Efficiency ratio | 79.4445% | 2,249 |
Assets per employee ($millions) | 2.8510% | 6,040 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0449% | 1,452 |
Loan loss allowance to noncurrent loans | 88.7248% | 3,919 |
Noncurrent assets plus other real estate owned to assets | 3.8155% | 717 |
Noncurrent loans to loans | 2.3048% | 1,670 |
Net loans and leases to total assets | 60.5531% | 3,621 |
Net loans and leases to deposits | 70.6687% | 3,703 |
Net loans and leases to core deposits | 75.6686% | 3,650 |
Total domestic deposits to total assets | 85.6858% | 3,407 |
Equity capital to assets | 10.5674% | 3,080 |
Core capital (leverage) ratio | 10.7282% | 2,649 |
Tier 1 risk-based capital ratio | 16.6703% | 2,773 |
Total risk-based capital ratio | 17.9297% | 2,726 |
Memoranda: | ||
Average total assets | $144,860,400 | 3,789 |
Average earning assets | $133,163,000 | 3,771 |
Average equity | $15,153,000 | 3,837 |
Average total loans | $91,722,200 | 3,650 |
2013-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7714% | 1,414 |
Cost of funding earning assets | 0.9136% | 764 |
Net interest margin | 3.8578% | 2,430 |
Noninterest income to average assets | 0.6106% | 3,073 |
Noninterest expense to average assets | 3.1124% | 2,611 |
Loan and lease loss provision to assets | 0.5546% | 467 |
Net operating income to assets | 0.4804% | 4,885 |
Return on assets (ROA) | 0.4804% | 5,042 |
Pretax return on assets | 0.4895% | 5,384 |
Return on Equity (ROE) | 4.6039% | 4,929 |
Retained earnings to average equity (ytd only) | 4.6039% | 3,393 |
Net charge-offs to loans | 1.2308% | 438 |
Credit loss provision to net charge-offs | 70.7602% | 3,056 |
Earnings coverage of net charge-offs (x) | 1.3322% | 4,395 |
Efficiency ratio | 74.8787% | 2,928 |
Assets per employee ($millions) | 2.8367% | 6,097 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1953% | 1,333 |
Loan loss allowance to noncurrent loans | 127.3482% | 2,875 |
Noncurrent assets plus other real estate owned to assets | 3.8114% | 852 |
Noncurrent loans to loans | 1.7238% | 2,611 |
Net loans and leases to total assets | 62.6026% | 3,239 |
Net loans and leases to deposits | 73.4178% | 3,332 |
Net loans and leases to core deposits | 79.0269% | 3,225 |
Total domestic deposits to total assets | 85.2689% | 3,599 |
Equity capital to assets | 10.7448% | 3,015 |
Core capital (leverage) ratio | 10.8070% | 2,660 |
Tier 1 risk-based capital ratio | 16.3248% | 3,020 |
Total risk-based capital ratio | 17.5858% | 2,987 |
Memoranda: | ||
Average total assets | $145,437,750 | 3,822 |
Average earning assets | $133,683,500 | 3,800 |
Average equity | $15,175,250 | 3,882 |
Average total loans | $92,622,500 | 3,653 |
2013-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7267% | 1,496 |
Cost of funding earning assets | 0.9433% | 730 |
Net interest margin | 3.7834% | 2,621 |
Noninterest income to average assets | 0.7461% | 2,432 |
Noninterest expense to average assets | 3.1847% | 2,394 |
Loan and lease loss provision to assets | 0.4228% | 714 |
Net operating income to assets | 0.6178% | 4,208 |
Return on assets (ROA) | 0.6178% | 4,371 |
Pretax return on assets | 0.6069% | 4,990 |
Return on Equity (ROE) | 5.9787% | 4,188 |
Retained earnings to average equity (ytd only) | 5.9787% | 2,456 |
Net charge-offs to loans | 1.5702% | 324 |
Credit loss provision to net charge-offs | 42.3497% | 3,375 |
Earnings coverage of net charge-offs (x) | 1.0314% | 4,191 |
Efficiency ratio | 75.5663% | 2,847 |
Assets per employee ($millions) | 2.8819% | 6,049 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0007% | 1,845 |
Loan loss allowance to noncurrent loans | 124.7260% | 2,929 |
Noncurrent assets plus other real estate owned to assets | 4.3507% | 767 |
Noncurrent loans to loans | 1.6041% | 2,901 |
Net loans and leases to total assets | 61.9017% | 3,305 |
Net loans and leases to deposits | 72.4741% | 3,386 |
Net loans and leases to core deposits | 77.5827% | 3,346 |
Total domestic deposits to total assets | 85.4122% | 3,687 |
Equity capital to assets | 10.4384% | 3,383 |
Core capital (leverage) ratio | 10.4191% | 2,967 |
Tier 1 risk-based capital ratio | 15.8888% | 3,264 |
Total risk-based capital ratio | 17.1468% | 3,204 |
Memoranda: | ||
Average total assets | $146,638,330 | 3,826 |
Average earning assets | $134,428,670 | 3,816 |
Average equity | $15,153,670 | 3,914 |
Average total loans | $93,234,670 | 3,652 |
2013-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6405% | 1,709 |
Cost of funding earning assets | 0.9511% | 783 |
Net interest margin | 3.6894% | 2,900 |
Noninterest income to average assets | 0.7031% | 2,574 |
Noninterest expense to average assets | 2.9991% | 2,993 |
Loan and lease loss provision to assets | 0.2569% | 1,386 |
Net operating income to assets | 0.8789% | 2,757 |
Return on assets (ROA) | 0.8789% | 2,904 |
Pretax return on assets | 0.8356% | 4,018 |
Return on Equity (ROE) | 8.5470% | 2,691 |
Retained earnings to average equity (ytd only) | 8.5470% | 1,543 |
Net charge-offs to loans | 2.9806% | 117 |
Credit loss provision to net charge-offs | 13.5135% | 3,113 |
Earnings coverage of net charge-offs (x) | 0.5747% | 3,629 |
Efficiency ratio | 73.2981% | 3,396 |
Assets per employee ($millions) | 2.9886% | 6,011 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7662% | 2,751 |
Loan loss allowance to noncurrent loans | 55.4650% | 4,915 |
Noncurrent assets plus other real estate owned to assets | 5.1309% | 699 |
Noncurrent loans to loans | 3.1843% | 1,546 |
Net loans and leases to total assets | 60.8193% | 3,285 |
Net loans and leases to deposits | 71.1030% | 3,311 |
Net loans and leases to core deposits | 75.1238% | 3,451 |
Total domestic deposits to total assets | 85.5368% | 3,778 |
Equity capital to assets | 10.2819% | 3,820 |
Core capital (leverage) ratio | 10.2578% | 3,067 |
Tier 1 risk-based capital ratio | 15.5784% | 3,482 |
Total risk-based capital ratio | 16.8335% | 3,444 |
Memoranda: | ||
Average total assets | $147,911,000 | 3,847 |
Average earning assets | $135,847,500 | 3,830 |
Average equity | $15,210,000 | 3,952 |
Average total loans | $94,343,500 | 3,641 |
2012-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2063% | 1,107 |
Cost of funding earning assets | 1.0646% | 1,054 |
Net interest margin | 4.1417% | 1,854 |
Noninterest income to average assets | 0.5017% | 3,885 |
Noninterest expense to average assets | 3.4444% | 1,958 |
Loan and lease loss provision to assets | 0.4412% | 1,436 |
Net operating income to assets | 0.3263% | 5,374 |
Return on assets (ROA) | 0.3408% | 5,547 |
Pretax return on assets | 0.4155% | 5,532 |
Return on Equity (ROE) | 3.3509% | 5,405 |
Retained earnings to average equity (ytd only) | 3.3509% | 3,863 |
Net charge-offs to loans | 0.8580% | 1,334 |
Credit loss provision to net charge-offs | 73.6127% | 4,050 |
Earnings coverage of net charge-offs (x) | 1.3998% | 4,752 |
Efficiency ratio | 80.4120% | 2,097 |
Assets per employee ($millions) | 2.9279% | 6,113 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.3323% | 1,324 |
Loan loss allowance to noncurrent loans | 55.2735% | 4,857 |
Noncurrent assets plus other real estate owned to assets | 5.7174% | 637 |
Noncurrent loans to loans | 4.2195% | 1,069 |
Net loans and leases to total assets | 64.1618% | 2,876 |
Net loans and leases to deposits | 75.2485% | 2,913 |
Net loans and leases to core deposits | 80.7561% | 2,908 |
Total domestic deposits to total assets | 85.2665% | 3,730 |
Equity capital to assets | 10.2846% | 3,780 |
Core capital (leverage) ratio | 10.1604% | 3,182 |
Tier 1 risk-based capital ratio | 14.9686% | 3,735 |
Total risk-based capital ratio | 16.2313% | 3,684 |
Memoranda: | ||
Average total assets | $147,309,600 | 3,820 |
Average earning assets | $134,509,000 | 3,815 |
Average equity | $14,981,000 | 3,972 |
Average total loans | $102,909,600 | 3,458 |
2012-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3002% | 1,014 |
Cost of funding earning assets | 1.0846% | 1,127 |
Net interest margin | 4.2156% | 1,691 |
Noninterest income to average assets | 0.5043% | 3,899 |
Noninterest expense to average assets | 3.3374% | 2,167 |
Loan and lease loss provision to assets | 0.5006% | 1,225 |
Net operating income to assets | 0.4338% | 5,105 |
Return on assets (ROA) | 0.4338% | 5,341 |
Pretax return on assets | 0.5088% | 5,442 |
Return on Equity (ROE) | 4.2773% | 5,162 |
Retained earnings to average equity (ytd only) | 4.2773% | 3,886 |
Net charge-offs to loans | 0.6960% | 1,587 |
Credit loss provision to net charge-offs | 101.4652% | 2,904 |
Earnings coverage of net charge-offs (x) | 2.0458% | 4,243 |
Efficiency ratio | 76.7775% | 2,554 |
Assets per employee ($millions) | 2.9019% | 6,217 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.4751% | 1,238 |
Loan loss allowance to noncurrent loans | 37.7278% | 5,756 |
Noncurrent assets plus other real estate owned to assets | 6.3592% | 606 |
Noncurrent loans to loans | 6.5604% | 578 |
Net loans and leases to total assets | 67.4553% | 2,376 |
Net loans and leases to deposits | 79.4575% | 2,480 |
Net loans and leases to core deposits | 84.8505% | 2,597 |
Total domestic deposits to total assets | 84.8948% | 3,792 |
Equity capital to assets | 10.4221% | 3,933 |
Core capital (leverage) ratio | 10.1695% | 3,321 |
Tier 1 risk-based capital ratio | 15.2447% | 3,676 |
Total risk-based capital ratio | 16.5109% | 3,620 |
Memoranda: | ||
Average total assets | $147,538,500 | 3,854 |
Average earning assets | $134,481,500 | 3,863 |
Average equity | $14,962,250 | 4,011 |
Average total loans | $104,594,000 | 3,443 |
2012-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3384% | 978 |
Cost of funding earning assets | 1.1065% | 1,194 |
Net interest margin | 4.2319% | 1,669 |
Noninterest income to average assets | 0.4826% | 4,039 |
Noninterest expense to average assets | 3.0738% | 3,002 |
Loan and lease loss provision to assets | 0.4381% | 1,482 |
Net operating income to assets | 0.7482% | 3,617 |
Return on assets (ROA) | 0.7482% | 3,891 |
Pretax return on assets | 0.8224% | 4,395 |
Return on Equity (ROE) | 7.4452% | 3,552 |
Retained earnings to average equity (ytd only) | 7.4452% | 1,902 |
Net charge-offs to loans | 0.6830% | 1,624 |
Credit loss provision to net charge-offs | 89.7790% | 3,056 |
Earnings coverage of net charge-offs (x) | 2.5829% | 3,711 |
Efficiency ratio | 70.9176% | 3,614 |
Assets per employee ($millions) | 3.1255% | 5,788 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.3808% | 1,442 |
Loan loss allowance to noncurrent loans | 46.4129% | 5,313 |
Noncurrent assets plus other real estate owned to assets | 5.5474% | 799 |
Noncurrent loans to loans | 5.1296% | 938 |
Net loans and leases to total assets | 68.0785% | 2,282 |
Net loans and leases to deposits | 80.1953% | 2,354 |
Net loans and leases to core deposits | 85.1209% | 2,539 |
Total domestic deposits to total assets | 84.8909% | 3,905 |
Equity capital to assets | 10.3146% | 3,921 |
Core capital (leverage) ratio | 10.0249% | 3,391 |
Tier 1 risk-based capital ratio | 15.3972% | 3,505 |
Total risk-based capital ratio | 16.6634% | 3,461 |
Memoranda: | ||
Average total assets | $148,352,670 | 3,868 |
Average earning assets | $135,020,670 | 3,863 |
Average equity | $14,909,000 | 4,010 |
Average total loans | $106,005,670 | 3,431 |
2012-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.5140% | 735 |
Cost of funding earning assets | 1.0738% | 1,529 |
Net interest margin | 4.4402% | 1,132 |
Noninterest income to average assets | 0.3756% | 4,850 |
Noninterest expense to average assets | 2.8307% | 3,896 |
Loan and lease loss provision to assets | 0.4695% | 1,305 |
Net operating income to assets | 1.0276% | 2,371 |
Return on assets (ROA) | 1.0276% | 2,559 |
Pretax return on assets | 1.1028% | 3,313 |
Return on Equity (ROE) | 10.3601% | 2,279 |
Retained earnings to average equity (ytd only) | 10.3601% | 1,183 |
Net charge-offs to loans | 1.1207% | 919 |
Credit loss provision to net charge-offs | 57.9470% | 3,154 |
Earnings coverage of net charge-offs (x) | 1.9404% | 3,362 |
Efficiency ratio | 64.2901% | 4,875 |
Assets per employee ($millions) | 3.1747% | 5,817 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.2236% | 1,838 |
Loan loss allowance to noncurrent loans | 36.2332% | 5,839 |
Noncurrent assets plus other real estate owned to assets | 6.4023% | 709 |
Noncurrent loans to loans | 6.1370% | 811 |
Net loans and leases to total assets | 69.2225% | 1,908 |
Net loans and leases to deposits | 81.4659% | 2,001 |
Net loans and leases to core deposits | 84.0117% | 2,543 |
Total domestic deposits to total assets | 84.9711% | 4,058 |
Equity capital to assets | 10.0353% | 4,083 |
Core capital (leverage) ratio | 9.9039% | 3,490 |
Tier 1 risk-based capital ratio | 14.9496% | 3,791 |
Total risk-based capital ratio | 16.2209% | 3,738 |
Memoranda: | ||
Average total assets | $149,080,000 | 3,888 |
Average earning assets | $135,220,000 | 3,900 |
Average equity | $14,787,500 | 4,037 |
Average total loans | $107,786,000 | 3,415 |
2011-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.7207% | 748 |
Cost of funding earning assets | 1.2925% | 1,517 |
Net interest margin | 4.4281% | 1,315 |
Noninterest income to average assets | 0.7447% | 2,366 |
Noninterest expense to average assets | 3.1716% | 2,963 |
Loan and lease loss provision to assets | 1.4886% | 500 |
Net operating income to assets | 0.1739% | 5,663 |
Return on assets (ROA) | 0.1943% | 5,733 |
Pretax return on assets | 0.1923% | 5,805 |
Return on Equity (ROE) | 1.9612% | 5,672 |
Retained earnings to average equity (ytd only) | 1.9612% | 4,813 |
Net charge-offs to loans | 1.4928% | 1,072 |
Credit loss provision to net charge-offs | 128.3538% | 2,414 |
Earnings coverage of net charge-offs (x) | 1.4318% | 4,695 |
Efficiency ratio | 65.6355% | 4,840 |
Assets per employee ($millions) | 3.1691% | 5,773 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.2532% | 1,704 |
Loan loss allowance to noncurrent loans | 33.7742% | 5,957 |
Noncurrent assets plus other real estate owned to assets | 7.2314% | 627 |
Noncurrent loans to loans | 6.6713% | 689 |
Net loans and leases to total assets | 72.1445% | 1,624 |
Net loans and leases to deposits | 84.8296% | 1,827 |
Net loans and leases to core deposits | 90.2522% | 2,088 |
Total domestic deposits to total assets | 85.0464% | 3,817 |
Equity capital to assets | 9.8028% | 4,443 |
Core capital (leverage) ratio | 9.7712% | 3,646 |
Tier 1 risk-based capital ratio | 14.9343% | 3,678 |
Total risk-based capital ratio | 16.2006% | 3,626 |
Memoranda: | ||
Average total assets | $147,181,200 | 3,849 |
Average earning assets | $135,858,200 | 3,820 |
Average equity | $14,582,800 | 3,994 |
Average total loans | $114,351,200 | 3,285 |
2011-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.7743% | 734 |
Cost of funding earning assets | 1.3305% | 1,548 |
Net interest margin | 4.4438% | 1,289 |
Noninterest income to average assets | 0.8005% | 2,056 |
Noninterest expense to average assets | 3.0284% | 3,445 |
Loan and lease loss provision to assets | 1.4910% | 466 |
Net operating income to assets | 0.3077% | 5,370 |
Return on assets (ROA) | 0.3289% | 5,463 |
Pretax return on assets | 0.4234% | 5,392 |
Return on Equity (ROE) | 3.3108% | 5,309 |
Retained earnings to average equity (ytd only) | 3.3108% | 4,365 |
Net charge-offs to loans | 0.6513% | 2,297 |
Credit loss provision to net charge-offs | 290.9574% | 985 |
Earnings coverage of net charge-offs (x) | 3.6826% | 3,337 |
Efficiency ratio | 61.6081% | 5,473 |
Assets per employee ($millions) | 3.0994% | 5,898 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.6948% | 1,135 |
Loan loss allowance to noncurrent loans | 33.0570% | 6,080 |
Noncurrent assets plus other real estate owned to assets | 8.0751% | 543 |
Noncurrent loans to loans | 8.1519% | 535 |
Net loans and leases to total assets | 76.0994% | 963 |
Net loans and leases to deposits | 90.4001% | 1,166 |
Net loans and leases to core deposits | 96.4955% | 1,556 |
Total domestic deposits to total assets | 84.1807% | 4,140 |
Equity capital to assets | 10.1098% | 4,195 |
Core capital (leverage) ratio | 9.9057% | 3,562 |
Tier 1 risk-based capital ratio | 14.5512% | 3,937 |
Total risk-based capital ratio | 15.8240% | 3,901 |
Memoranda: | ||
Average total assets | $146,739,750 | 3,875 |
Average earning assets | $135,886,250 | 3,838 |
Average equity | $14,578,250 | 4,010 |
Average total loans | $115,455,500 | 3,292 |
2011-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.8229% | 687 |
Cost of funding earning assets | 1.3803% | 1,497 |
Net interest margin | 4.4426% | 1,262 |
Noninterest income to average assets | 0.7872% | 2,087 |
Noninterest expense to average assets | 2.8852% | 4,082 |
Loan and lease loss provision to assets | 2.0272% | 299 |
Net operating income to assets | -0.0921% | 6,342 |
Return on assets (ROA) | -0.0843% | 6,387 |
Pretax return on assets | 0.0095% | 6,254 |
Return on Equity (ROE) | -0.8535% | 6,389 |
Retained earnings to average equity (ytd only) | -0.8535% | 6,027 |
Net charge-offs to loans | 0.7519% | 1,993 |
Credit loss provision to net charge-offs | 341.9725% | 893 |
Earnings coverage of net charge-offs (x) | 3.4151% | 3,180 |
Efficiency ratio | 58.7649% | 6,062 |
Assets per employee ($millions) | 3.1033% | 5,874 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.6496% | 1,242 |
Loan loss allowance to noncurrent loans | 35.8842% | 5,909 |
Noncurrent assets plus other real estate owned to assets | 7.4628% | 651 |
Noncurrent loans to loans | 7.3838% | 661 |
Net loans and leases to total assets | 76.7798% | 948 |
Net loans and leases to deposits | 91.3889% | 1,119 |
Net loans and leases to core deposits | 97.8164% | 1,517 |
Total domestic deposits to total assets | 84.0144% | 4,346 |
Equity capital to assets | 9.8282% | 4,359 |
Core capital (leverage) ratio | 9.5648% | 3,861 |
Tier 1 risk-based capital ratio | 13.6971% | 4,388 |
Total risk-based capital ratio | 14.9687% | 4,342 |
Memoranda: | ||
Average total assets | $147,096,330 | 3,899 |
Average earning assets | $136,495,330 | 3,847 |
Average equity | $14,528,670 | 4,003 |
Average total loans | $115,966,000 | 3,319 |
2011-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.8290% | 695 |
Cost of funding earning assets | 1.3874% | 1,681 |
Net interest margin | 4.4416% | 1,190 |
Noninterest income to average assets | 0.7041% | 2,554 |
Noninterest expense to average assets | 2.8622% | 4,225 |
Loan and lease loss provision to assets | 0.4062% | 2,158 |
Net operating income to assets | 1.4773% | 915 |
Return on assets (ROA) | 1.5002% | 920 |
Pretax return on assets | 1.5949% | 1,204 |
Return on Equity (ROE) | 15.1516% | 798 |
Retained earnings to average equity (ytd only) | 15.1516% | 380 |
Net charge-offs to loans | 0.6184% | 1,963 |
Credit loss provision to net charge-offs | 83.3333% | 3,082 |
Earnings coverage of net charge-offs (x) | 4.0556% | 2,569 |
Efficiency ratio | 59.1494% | 6,110 |
Assets per employee ($millions) | 3.1744% | 5,780 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6872% | 3,383 |
Loan loss allowance to noncurrent loans | 26.8867% | 6,477 |
Noncurrent assets plus other real estate owned to assets | 5.6564% | 1,053 |
Noncurrent loans to loans | 6.2751% | 982 |
Net loans and leases to total assets | 76.6688% | 930 |
Net loans and leases to deposits | 91.5652% | 1,059 |
Net loans and leases to core deposits | 97.8059% | 1,543 |
Total domestic deposits to total assets | 83.7314% | 4,602 |
Equity capital to assets | 9.9869% | 3,790 |
Core capital (leverage) ratio | 9.9508% | 3,199 |
Tier 1 risk-based capital ratio | 14.1375% | 3,980 |
Total risk-based capital ratio | 15.3957% | 3,948 |
Memoranda: | ||
Average total assets | $147,716,500 | 3,920 |
Average earning assets | $137,519,500 | 3,868 |
Average equity | $14,625,500 | 3,969 |
Average total loans | $116,431,000 | 3,329 |
2010-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.0259% | 806 |
Cost of funding earning assets | 1.6948% | 1,626 |
Net interest margin | 4.3311% | 1,709 |
Noninterest income to average assets | 0.7588% | 2,490 |
Noninterest expense to average assets | 2.9692% | 3,962 |
Loan and lease loss provision to assets | 0.8791% | 1,863 |
Net operating income to assets | 0.7976% | 2,815 |
Return on assets (ROA) | 0.7982% | 2,946 |
Pretax return on assets | 0.8903% | 3,329 |
Return on Equity (ROE) | 7.9897% | 2,699 |
Retained earnings to average equity (ytd only) | 3.7661% | 3,231 |
Net charge-offs to loans | 0.5344% | 3,475 |
Credit loss provision to net charge-offs | 205.5921% | 1,507 |
Earnings coverage of net charge-offs (x) | 4.1365% | 3,047 |
Efficiency ratio | 62.6688% | 5,589 |
Assets per employee ($millions) | 3.1114% | 5,857 |
Cash dividends to net income (ytd only)* | 52.8634% | 1,943 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7105% | 3,178 |
Loan loss allowance to noncurrent loans | 22.9582% | 6,697 |
Noncurrent assets plus other real estate owned to assets | 6.9941% | 784 |
Noncurrent loans to loans | 7.4507% | 729 |
Net loans and leases to total assets | 78.3107% | 896 |
Net loans and leases to deposits | 93.6562% | 1,093 |
Net loans and leases to core deposits | 98.1900% | 1,782 |
Total domestic deposits to total assets | 83.6151% | 4,547 |
Equity capital to assets | 9.8135% | 3,982 |
Core capital (leverage) ratio | 9.6682% | 3,467 |
Tier 1 risk-based capital ratio | 13.4621% | 4,237 |
Total risk-based capital ratio | 14.7198% | 4,199 |
Memoranda: | ||
Average total assets | $142,194,200 | 4,018 |
Average earning assets | $130,636,000 | 4,001 |
Average equity | $14,205,800 | 4,103 |
Average total loans | $113,762,800 | 3,453 |
2010-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.1449% | 691 |
Cost of funding earning assets | 1.7380% | 1,685 |
Net interest margin | 4.4069% | 1,504 |
Noninterest income to average assets | 0.8046% | 2,215 |
Noninterest expense to average assets | 2.8539% | 4,268 |
Loan and lease loss provision to assets | 0.7083% | 2,156 |
Net operating income to assets | 1.1890% | 1,621 |
Return on assets (ROA) | 1.1890% | 1,714 |
Pretax return on assets | 1.2796% | 2,231 |
Return on Equity (ROE) | 11.8467% | 1,546 |
Retained earnings to average equity (ytd only) | 6.2009% | 2,261 |
Net charge-offs to loans | 0.4764% | 3,369 |
Credit loss provision to net charge-offs | 185.6436% | 1,941 |
Earnings coverage of net charge-offs (x) | 5.2104% | 2,812 |
Efficiency ratio | 58.9429% | 6,113 |
Assets per employee ($millions) | 3.0653% | 5,997 |
Cash dividends to net income (ytd only)* | 47.6570% | 1,724 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4532% | 4,193 |
Loan loss allowance to noncurrent loans | 32.6975% | 6,157 |
Noncurrent assets plus other real estate owned to assets | 4.7678% | 1,381 |
Noncurrent loans to loans | 4.4444% | 1,632 |
Net loans and leases to total assets | 79.8759% | 772 |
Net loans and leases to deposits | 95.8289% | 1,000 |
Net loans and leases to core deposits | 100.5136% | 1,800 |
Total domestic deposits to total assets | 83.3527% | 4,435 |
Equity capital to assets | 10.1270% | 3,983 |
Core capital (leverage) ratio | 9.8044% | 3,481 |
Tier 1 risk-based capital ratio | 13.4023% | 4,268 |
Total risk-based capital ratio | 14.6567% | 4,234 |
Memoranda: | ||
Average total assets | $141,183,250 | 4,090 |
Average earning assets | $129,339,750 | 4,083 |
Average equity | $14,169,500 | 4,169 |
Average total loans | $113,075,250 | 3,525 |
2010-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.1821% | 644 |
Cost of funding earning assets | 1.7457% | 1,891 |
Net interest margin | 4.4364% | 1,359 |
Noninterest income to average assets | 0.7888% | 2,177 |
Noninterest expense to average assets | 2.8156% | 4,420 |
Loan and lease loss provision to assets | 0.8558% | 1,700 |
Net operating income to assets | 1.1011% | 1,850 |
Return on assets (ROA) | 1.1011% | 1,920 |
Pretax return on assets | 1.1881% | 2,454 |
Return on Equity (ROE) | 11.0055% | 1,756 |
Retained earnings to average equity (ytd only) | 2.4520% | 4,590 |
Net charge-offs to loans | 0.4757% | 3,109 |
Credit loss provision to net charge-offs | 225.5639% | 1,716 |
Earnings coverage of net charge-offs (x) | 5.3872% | 2,675 |
Efficiency ratio | 57.9395% | 6,386 |
Assets per employee ($millions) | 3.0431% | 6,052 |
Cash dividends to net income (ytd only)* | 77.7202% | 814 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4622% | 4,109 |
Loan loss allowance to noncurrent loans | 36.0120% | 5,964 |
Noncurrent assets plus other real estate owned to assets | 4.4600% | 1,495 |
Noncurrent loans to loans | 4.0602% | 1,860 |
Net loans and leases to total assets | 79.3947% | 891 |
Net loans and leases to deposits | 95.1142% | 1,134 |
Net loans and leases to core deposits | 99.9006% | 2,028 |
Total domestic deposits to total assets | 83.4729% | 4,357 |
Equity capital to assets | 9.8611% | 4,182 |
Core capital (leverage) ratio | 9.6257% | 3,646 |
Tier 1 risk-based capital ratio | 13.0373% | 4,410 |
Total risk-based capital ratio | 14.2916% | 4,358 |
Memoranda: | ||
Average total assets | $140,220,670 | 4,133 |
Average earning assets | $128,662,330 | 4,116 |
Average equity | $14,029,330 | 4,191 |
Average total loans | $111,842,000 | 3,586 |
2010-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.2210% | 612 |
Cost of funding earning assets | 1.7685% | 2,021 |
Net interest margin | 4.4525% | 1,251 |
Noninterest income to average assets | 0.6944% | 2,638 |
Noninterest expense to average assets | 2.7806% | 4,558 |
Loan and lease loss provision to assets | 0.4322% | 2,795 |
Net operating income to assets | 1.5243% | 860 |
Return on assets (ROA) | 1.5243% | 923 |
Pretax return on assets | 1.5877% | 1,294 |
Return on Equity (ROE) | 15.1229% | 851 |
Retained earnings to average equity (ytd only) | 9.4054% | 1,297 |
Net charge-offs to loans | 0.2433% | 3,486 |
Credit loss provision to net charge-offs | 223.8806% | 1,686 |
Earnings coverage of net charge-offs (x) | 10.4627% | 1,738 |
Efficiency ratio | 57.9232% | 6,496 |
Assets per employee ($millions) | 3.0087% | 6,199 |
Cash dividends to net income (ytd only)* | 37.8072% | 1,822 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2849% | 5,020 |
Loan loss allowance to noncurrent loans | 47.8319% | 5,154 |
Noncurrent assets plus other real estate owned to assets | 3.2176% | 2,230 |
Noncurrent loans to loans | 2.6864% | 2,988 |
Net loans and leases to total assets | 77.9072% | 1,174 |
Net loans and leases to deposits | 91.4925% | 1,683 |
Net loans and leases to core deposits | 96.2771% | 2,555 |
Total domestic deposits to total assets | 85.1515% | 3,582 |
Equity capital to assets | 10.0249% | 3,835 |
Core capital (leverage) ratio | 9.9250% | 3,259 |
Tier 1 risk-based capital ratio | 13.3519% | 4,090 |
Total risk-based capital ratio | 14.6035% | 4,046 |
Memoranda: | ||
Average total assets | $138,818,000 | 4,216 |
Average earning assets | $128,018,500 | 4,192 |
Average equity | $13,992,000 | 4,247 |
Average total loans | $110,143,000 | 3,679 |
2009-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.5735% | 577 |
Cost of funding earning assets | 2.1909% | 2,076 |
Net interest margin | 4.3826% | 1,486 |
Noninterest income to average assets | 0.7659% | 2,583 |
Noninterest expense to average assets | 2.9120% | 4,497 |
Loan and lease loss provision to assets | 0.4704% | 4,000 |
Net operating income to assets | 1.3335% | 968 |
Return on assets (ROA) | 1.3335% | 1,016 |
Pretax return on assets | 1.4027% | 1,436 |
Return on Equity (ROE) | 12.7991% | 1,005 |
Retained earnings to average equity (ytd only) | 7.7242% | 768 |
Net charge-offs to loans | 0.3770% | 4,319 |
Credit loss provision to net charge-offs | 163.5135% | 2,681 |
Earnings coverage of net charge-offs (x) | 6.5108% | 2,349 |
Efficiency ratio | 60.8547% | 6,354 |
Assets per employee ($millions) | 2.9615% | 6,321 |
Cash dividends to net income (ytd only)* | 39.6501% | 2,952 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2430% | 5,110 |
Loan loss allowance to noncurrent loans | 32.8072% | 6,268 |
Noncurrent assets plus other real estate owned to assets | 3.9757% | 1,664 |
Noncurrent loans to loans | 3.7889% | 1,976 |
Net loans and leases to total assets | 78.7900% | 1,228 |
Net loans and leases to deposits | 92.4090% | 1,832 |
Net loans and leases to core deposits | 136.5468% | 933 |
Total domestic deposits to total assets | 85.2622% | 3,426 |
Equity capital to assets | 10.1359% | 3,579 |
Core capital (leverage) ratio | 10.0352% | 3,053 |
Tier 1 risk-based capital ratio | 13.5438% | 3,797 |
Total risk-based capital ratio | 14.7951% | 3,740 |
Memoranda: | ||
Average total assets | $128,605,600 | 4,370 |
Average earning assets | $117,943,400 | 4,359 |
Average equity | $13,399,400 | 4,405 |
Average total loans | $98,140,800 | 4,004 |
2009-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.6456% | 563 |
Cost of funding earning assets | 2.2991% | 1,990 |
Net interest margin | 4.3465% | 1,597 |
Noninterest income to average assets | 0.7829% | 2,527 |
Noninterest expense to average assets | 2.8918% | 4,489 |
Loan and lease loss provision to assets | 0.3210% | 4,419 |
Net operating income to assets | 1.4796% | 854 |
Return on assets (ROA) | 1.4796% | 916 |
Pretax return on assets | 1.5490% | 1,283 |
Return on Equity (ROE) | 14.0978% | 911 |
Retained earnings to average equity (ytd only) | 9.5857% | 709 |
Net charge-offs to loans | 0.3434% | 3,920 |
Credit loss provision to net charge-offs | 123.9837% | 4,069 |
Earnings coverage of net charge-offs (x) | 7.2236% | 2,444 |
Efficiency ratio | 60.7293% | 6,316 |
Assets per employee ($millions) | 2.7569% | 6,720 |
Cash dividends to net income (ytd only)* | 32.0060% | 2,804 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1514% | 5,406 |
Loan loss allowance to noncurrent loans | 32.3246% | 6,282 |
Noncurrent assets plus other real estate owned to assets | 3.7557% | 1,732 |
Noncurrent loans to loans | 3.5619% | 2,101 |
Net loans and leases to total assets | 76.2304% | 1,950 |
Net loans and leases to deposits | 90.1485% | 2,550 |
Net loans and leases to core deposits | 130.7048% | 1,388 |
Total domestic deposits to total assets | 84.5609% | 3,449 |
Equity capital to assets | 10.4418% | 3,578 |
Core capital (leverage) ratio | 10.4020% | 2,882 |
Tier 1 risk-based capital ratio | 14.1269% | 3,477 |
Total risk-based capital ratio | 15.3628% | 3,426 |
Memoranda: | ||
Average total assets | $126,700,000 | 4,430 |
Average earning assets | $115,984,500 | 4,428 |
Average equity | $13,297,250 | 4,463 |
Average total loans | $95,504,750 | 4,102 |
2009-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.6806% | 562 |
Cost of funding earning assets | 2.4160% | 1,901 |
Net interest margin | 4.2646% | 1,765 |
Noninterest income to average assets | 0.7947% | 2,438 |
Noninterest expense to average assets | 2.9113% | 4,459 |
Loan and lease loss provision to assets | 0.2484% | 4,589 |
Net operating income to assets | 1.4789% | 873 |
Return on assets (ROA) | 1.4789% | 935 |
Pretax return on assets | 1.5494% | 1,329 |
Return on Equity (ROE) | 14.0662% | 977 |
Retained earnings to average equity (ytd only) | 9.4943% | 816 |
Net charge-offs to loans | 0.3579% | 3,394 |
Credit loss provision to net charge-offs | 92.8144% | 4,842 |
Earnings coverage of net charge-offs (x) | 6.7186% | 2,560 |
Efficiency ratio | 61.8237% | 6,272 |
Assets per employee ($millions) | 2.6503% | 6,954 |
Cash dividends to net income (ytd only)* | 32.5027% | 2,746 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1243% | 5,428 |
Loan loss allowance to noncurrent loans | 39.3723% | 5,767 |
Noncurrent assets plus other real estate owned to assets | 2.6459% | 2,426 |
Noncurrent loans to loans | 2.8556% | 2,525 |
Net loans and leases to total assets | 76.3188% | 2,104 |
Net loans and leases to deposits | 90.3927% | 2,768 |
Net loans and leases to core deposits | 127.8109% | 1,723 |
Total domestic deposits to total assets | 84.4303% | 3,535 |
Equity capital to assets | 10.5451% | 3,347 |
Core capital (leverage) ratio | 10.3041% | 2,989 |
Tier 1 risk-based capital ratio | 14.1569% | 3,425 |
Total risk-based capital ratio | 15.3504% | 3,395 |
Memoranda: | ||
Average total assets | $124,822,330 | 4,515 |
Average earning assets | $114,570,670 | 4,502 |
Average equity | $13,123,670 | 4,515 |
Average total loans | $93,322,000 | 4,193 |
2009-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.6461% | 641 |
Cost of funding earning assets | 2.5227% | 1,832 |
Net interest margin | 4.1233% | 2,200 |
Noninterest income to average assets | 0.8412% | 2,119 |
Noninterest expense to average assets | 2.8732% | 4,253 |
Loan and lease loss provision to assets | 0.2265% | 4,182 |
Net operating income to assets | 1.4463% | 1,049 |
Return on assets (ROA) | 1.4463% | 1,126 |
Pretax return on assets | 1.5175% | 1,621 |
Return on Equity (ROE) | 13.7772% | 1,210 |
Retained earnings to average equity (ytd only) | 9.1540% | 1,430 |
Net charge-offs to loans | 0.3169% | 2,834 |
Credit loss provision to net charge-offs | 97.2222% | 3,857 |
Earnings coverage of net charge-offs (x) | 7.4861% | 2,339 |
Efficiency ratio | 62.2285% | 6,013 |
Assets per employee ($millions) | 2.5572% | 7,170 |
Cash dividends to net income (ytd only)* | 33.5570% | 2,229 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1770% | 4,954 |
Loan loss allowance to noncurrent loans | 53.3270% | 5,009 |
Noncurrent assets plus other real estate owned to assets | 1.9625% | 2,961 |
Noncurrent loans to loans | 2.2072% | 2,967 |
Net loans and leases to total assets | 74.6443% | 2,588 |
Net loans and leases to deposits | 88.6305% | 3,164 |
Net loans and leases to core deposits | 123.4166% | 2,124 |
Total domestic deposits to total assets | 84.2196% | 3,595 |
Equity capital to assets | 10.4812% | 3,480 |
Core capital (leverage) ratio | 10.3846% | 3,041 |
Tier 1 risk-based capital ratio | 14.2932% | 3,438 |
Total risk-based capital ratio | 15.5401% | 3,360 |
Memoranda: | ||
Average total assets | $123,626,000 | 4,555 |
Average earning assets | $113,210,000 | 4,555 |
Average equity | $12,978,000 | 4,585 |
Average total loans | $90,886,500 | 4,283 |
2008-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.9948% | 1,143 |
Cost of funding earning assets | 2.9295% | 2,145 |
Net interest margin | 4.0654% | 2,848 |
Noninterest income to average assets | 0.6814% | 3,236 |
Noninterest expense to average assets | 2.8089% | 4,783 |
Loan and lease loss provision to assets | 0.2337% | 4,558 |
Net operating income to assets | 1.2686% | 1,572 |
Return on assets (ROA) | 1.2686% | 1,519 |
Pretax return on assets | 1.3454% | 2,150 |
Return on Equity (ROE) | 12.9778% | 1,332 |
Retained earnings to average equity (ytd only) | 12.9778% | 164 |
Net charge-offs to loans | 0.6788% | 1,812 |
Credit loss provision to net charge-offs | 49.3031% | 6,360 |
Earnings coverage of net charge-offs (x) | 3.3310% | 4,420 |
Efficiency ratio | 64.0128% | 5,556 |
Assets per employee ($millions) | 2.4888% | 7,218 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2809% | 3,930 |
Loan loss allowance to noncurrent loans | 40.4788% | 6,026 |
Noncurrent assets plus other real estate owned to assets | 2.7478% | 1,719 |
Noncurrent loans to loans | 3.1643% | 1,671 |
Net loans and leases to total assets | 70.5308% | 3,899 |
Net loans and leases to deposits | 84.0800% | 4,414 |
Net loans and leases to core deposits | 117.1472% | 2,988 |
Total domestic deposits to total assets | 83.8853% | 3,377 |
Equity capital to assets | 10.5149% | 3,485 |
Core capital (leverage) ratio | 10.2611% | 3,207 |
Tier 1 risk-based capital ratio | 14.8896% | 3,101 |
Total risk-based capital ratio | 16.1406% | 3,018 |
Memoranda: | ||
Average total assets | $121,077,400 | 4,493 |
Average earning assets | $110,395,600 | 4,504 |
Average equity | $11,835,600 | 4,879 |
Average total loans | $84,566,400 | 4,382 |