Home > Florida Shores Bank - Southwest > Performance and Condition Ratios
Florida Shores Bank - Southwest, Performance and Condition Ratios
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7889% | 4,853 |
| Cost of funding earning assets | 0.4036% | 4,614 |
| Net interest margin | 3.3852% | 4,338 |
| Noninterest income to average assets | 0.2584% | 5,499 |
| Noninterest expense to average assets | 2.4573% | 4,899 |
| Loan and lease loss provision to assets | 0.2465% | 1,465 |
| Net operating income to assets | 0.4056% | 5,127 |
| Return on assets (ROA) | 0.3869% | 5,298 |
| Pretax return on assets | 0.7106% | 4,500 |
| Return on Equity (ROE) | 4.3374% | 4,962 |
| Retained earnings to average equity (ytd only) | 4.1396% | 3,227 |
| Net charge-offs to loans | 0.0301% | 4,829 |
| Credit loss provision to net charge-offs | 1,462.5000% | 169 |
| Earnings coverage of net charge-offs (x) | 58.5156% | 698 |
| Efficiency ratio | 71.3576% | 3,596 |
| Assets per employee ($millions) | 9.4729% | 275 |
| Cash dividends to net income (ytd only)* | 4.5609% | 4,183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7167% | 2,346 |
| Loan loss allowance to noncurrent loans | 156.2549% | 2,591 |
| Noncurrent assets plus other real estate owned to assets | 0.7437% | 4,026 |
| Noncurrent loans to loans | 1.0986% | 3,335 |
| Net loans and leases to total assets | 57.5171% | 4,119 |
| Net loans and leases to deposits | 62.7998% | 4,637 |
| Net loans and leases to core deposits | 71.7082% | 4,107 |
| Total domestic deposits to total assets | 91.5880% | 377 |
| Equity capital to assets | 8.2559% | 5,819 |
| Core capital (leverage) ratio | 8.9484% | 5,081 |
| Tier 1 risk-based capital ratio | 14.1353% | 4,202 |
| Total risk-based capital ratio | 15.3898% | 4,150 |
| Memoranda: | ||
| Average total assets | $379,687,800 | 1,727 |
| Average earning assets | $357,258,200 | 1,682 |
| Average equity | $33,868,200 | 2,033 |
| Average total loans | $212,885,000 | 1,911 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8346% | 4,719 |
| Cost of funding earning assets | 0.4075% | 4,761 |
| Net interest margin | 3.4271% | 4,178 |
| Noninterest income to average assets | 0.2857% | 5,404 |
| Noninterest expense to average assets | 2.4644% | 4,824 |
| Loan and lease loss provision to assets | 0.1631% | 2,216 |
| Net operating income to assets | 0.5247% | 4,689 |
| Return on assets (ROA) | 0.5299% | 4,825 |
| Pretax return on assets | 0.8885% | 3,936 |
| Return on Equity (ROE) | 5.8258% | 4,273 |
| Retained earnings to average equity (ytd only) | 5.6304% | 2,644 |
| Net charge-offs to loans | 0.0391% | 4,362 |
| Credit loss provision to net charge-offs | 752.4590% | 381 |
| Earnings coverage of net charge-offs (x) | 48.1319% | 889 |
| Efficiency ratio | 70.2533% | 3,715 |
| Assets per employee ($millions) | 9.1133% | 299 |
| Cash dividends to net income (ytd only)* | 3.3537% | 3,660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5499% | 3,229 |
| Loan loss allowance to noncurrent loans | 197.6992% | 2,004 |
| Noncurrent assets plus other real estate owned to assets | 0.5609% | 4,771 |
| Noncurrent loans to loans | 0.7840% | 4,279 |
| Net loans and leases to total assets | 58.4656% | 3,930 |
| Net loans and leases to deposits | 64.1817% | 4,500 |
| Net loans and leases to core deposits | 71.9083% | 4,107 |
| Total domestic deposits to total assets | 91.0939% | 493 |
| Equity capital to assets | 8.6916% | 5,534 |
| Core capital (leverage) ratio | 9.2724% | 4,724 |
| Tier 1 risk-based capital ratio | 14.0466% | 4,389 |
| Total risk-based capital ratio | 15.2983% | 4,340 |
| Memoranda: | ||
| Average total assets | $375,144,500 | 1,753 |
| Average earning assets | $352,706,250 | 1,713 |
| Average equity | $34,123,500 | 2,030 |
| Average total loans | $207,897,500 | 1,948 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7817% | 4,886 |
| Cost of funding earning assets | 0.4101% | 4,857 |
| Net interest margin | 3.3715% | 4,302 |
| Noninterest income to average assets | 0.3559% | 4,841 |
| Noninterest expense to average assets | 2.5115% | 4,684 |
| Loan and lease loss provision to assets | 0.2330% | 1,601 |
| Net operating income to assets | 0.4632% | 4,959 |
| Return on assets (ROA) | 0.4793% | 5,067 |
| Pretax return on assets | 0.8180% | 4,243 |
| Return on Equity (ROE) | 5.1906% | 4,627 |
| Retained earnings to average equity (ytd only) | 5.0917% | 2,990 |
| Net charge-offs to loans | 0.0874% | 3,492 |
| Credit loss provision to net charge-offs | 493.1818% | 564 |
| Earnings coverage of net charge-offs (x) | 21.7159% | 1,401 |
| Efficiency ratio | 71.0015% | 3,644 |
| Assets per employee ($millions) | 8.9524% | 311 |
| Cash dividends to net income (ytd only)* | 1.9037% | 3,496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6533% | 2,968 |
| Loan loss allowance to noncurrent loans | 211.1314% | 1,907 |
| Noncurrent assets plus other real estate owned to assets | 0.5343% | 4,925 |
| Noncurrent loans to loans | 0.7831% | 4,348 |
| Net loans and leases to total assets | 54.9124% | 4,463 |
| Net loans and leases to deposits | 60.1953% | 4,959 |
| Net loans and leases to core deposits | 67.7652% | 4,522 |
| Total domestic deposits to total assets | 91.2237% | 470 |
| Equity capital to assets | 8.5941% | 5,675 |
| Core capital (leverage) ratio | 9.1458% | 4,762 |
| Tier 1 risk-based capital ratio | 14.8981% | 3,842 |
| Total risk-based capital ratio | 16.1495% | 3,810 |
| Memoranda: | ||
| Average total assets | $372,606,000 | 1,759 |
| Average earning assets | $351,591,000 | 1,719 |
| Average equity | $34,408,670 | 2,023 |
| Average total loans | $201,428,000 | 2,000 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6535% | 5,297 |
| Cost of funding earning assets | 0.4199% | 4,911 |
| Net interest margin | 3.2336% | 4,789 |
| Noninterest income to average assets | 0.3548% | 4,838 |
| Noninterest expense to average assets | 2.5559% | 4,550 |
| Loan and lease loss provision to assets | 0.2168% | 1,711 |
| Net operating income to assets | 0.3267% | 5,461 |
| Return on assets (ROA) | 0.3516% | 5,483 |
| Pretax return on assets | 0.6686% | 4,709 |
| Return on Equity (ROE) | 3.6778% | 5,250 |
| Retained earnings to average equity (ytd only) | 3.4860% | 4,159 |
| Net charge-offs to loans | -0.0020% | 5,159 |
| Credit loss provision to net charge-offs | -20,100.0000% | 5,966 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1189% | 3,077 |
| Assets per employee ($millions) | 9.0886% | 309 |
| Cash dividends to net income (ytd only)* | 5.2147% | 2,576 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6303% | 3,272 |
| Loan loss allowance to noncurrent loans | 187.6481% | 1,994 |
| Noncurrent assets plus other real estate owned to assets | 0.5829% | 4,934 |
| Noncurrent loans to loans | 0.8688% | 4,390 |
| Net loans and leases to total assets | 52.5894% | 4,613 |
| Net loans and leases to deposits | 58.1123% | 5,018 |
| Net loans and leases to core deposits | 64.9399% | 4,658 |
| Total domestic deposits to total assets | 90.4962% | 770 |
| Equity capital to assets | 9.2355% | 5,217 |
| Core capital (leverage) ratio | 9.1691% | 4,615 |
| Tier 1 risk-based capital ratio | 14.7531% | 3,995 |
| Total risk-based capital ratio | 16.0011% | 3,964 |
| Memoranda: | ||
| Average total assets | $370,908,500 | 1,779 |
| Average earning assets | $349,583,500 | 1,743 |
| Average equity | $35,456,000 | 1,988 |
| Average total loans | $197,171,000 | 2,049 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8198% | 5,776 |
| Cost of funding earning assets | 0.5348% | 4,953 |
| Net interest margin | 3.2850% | 5,303 |
| Noninterest income to average assets | 0.2349% | 5,766 |
| Noninterest expense to average assets | 2.2443% | 5,825 |
| Loan and lease loss provision to assets | 0.6747% | 784 |
| Net operating income to assets | 0.2550% | 5,619 |
| Return on assets (ROA) | 0.4546% | 5,108 |
| Pretax return on assets | 0.6866% | 4,710 |
| Return on Equity (ROE) | 4.5001% | 4,930 |
| Retained earnings to average equity (ytd only) | 4.3068% | 3,193 |
| Net charge-offs to loans | 1.3784% | 671 |
| Credit loss provision to net charge-offs | 97.7618% | 3,174 |
| Earnings coverage of net charge-offs (x) | 1.5342% | 4,676 |
| Efficiency ratio | 67.9460% | 4,154 |
| Assets per employee ($millions) | 10.0026% | 235 |
| Cash dividends to net income (ytd only)* | 4.2949% | 4,220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6424% | 3,139 |
| Loan loss allowance to noncurrent loans | 179.9079% | 2,010 |
| Noncurrent assets plus other real estate owned to assets | 0.6079% | 4,958 |
| Noncurrent loans to loans | 0.9129% | 4,355 |
| Net loans and leases to total assets | 51.9709% | 4,931 |
| Net loans and leases to deposits | 57.8766% | 5,249 |
| Net loans and leases to core deposits | 64.6620% | 4,883 |
| Total domestic deposits to total assets | 89.7960% | 1,067 |
| Equity capital to assets | 9.9024% | 4,309 |
| Core capital (leverage) ratio | 9.7434% | 3,746 |
| Tier 1 risk-based capital ratio | 15.5101% | 3,419 |
| Total risk-based capital ratio | 16.7611% | 3,379 |
| Memoranda: | ||
| Average total assets | $343,129,800 | 1,889 |
| Average earning assets | $320,490,600 | 1,850 |
| Average equity | $34,666,200 | 2,002 |
| Average total loans | $171,799,400 | 2,290 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8353% | 5,939 |
| Cost of funding earning assets | 0.5589% | 5,004 |
| Net interest margin | 3.2764% | 5,466 |
| Noninterest income to average assets | 0.2632% | 5,678 |
| Noninterest expense to average assets | 2.1733% | 6,005 |
| Loan and lease loss provision to assets | 0.8404% | 549 |
| Net operating income to assets | 0.2016% | 5,910 |
| Return on assets (ROA) | 0.4037% | 5,460 |
| Pretax return on assets | 0.6138% | 5,125 |
| Return on Equity (ROE) | 3.9745% | 5,303 |
| Retained earnings to average equity (ytd only) | 3.7770% | 4,237 |
| Net charge-offs to loans | 1.9715% | 372 |
| Credit loss provision to net charge-offs | 86.4078% | 3,418 |
| Earnings coverage of net charge-offs (x) | 1.1804% | 4,708 |
| Efficiency ratio | 65.4347% | 4,554 |
| Assets per employee ($millions) | 6.5300% | 940 |
| Cash dividends to net income (ytd only)* | 4.9709% | 3,604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5650% | 3,673 |
| Loan loss allowance to noncurrent loans | 100.1762% | 3,226 |
| Noncurrent assets plus other real estate owned to assets | 0.9503% | 4,379 |
| Noncurrent loans to loans | 1.5622% | 3,440 |
| Net loans and leases to total assets | 51.6510% | 5,091 |
| Net loans and leases to deposits | 57.8083% | 5,446 |
| Net loans and leases to core deposits | 64.7402% | 5,080 |
| Total domestic deposits to total assets | 89.3488% | 1,217 |
| Equity capital to assets | 10.3377% | 4,031 |
| Core capital (leverage) ratio | 9.6352% | 4,069 |
| Tier 1 risk-based capital ratio | 15.9689% | 3,281 |
| Total risk-based capital ratio | 17.2212% | 3,249 |
| Memoranda: | ||
| Average total assets | $338,888,750 | 1,925 |
| Average earning assets | $316,316,000 | 1,892 |
| Average equity | $34,418,250 | 2,025 |
| Average total loans | $167,182,000 | 2,370 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8170% | 6,103 |
| Cost of funding earning assets | 0.5915% | 4,972 |
| Net interest margin | 3.2255% | 5,658 |
| Noninterest income to average assets | 0.0874% | 6,729 |
| Noninterest expense to average assets | 2.1611% | 6,103 |
| Loan and lease loss provision to assets | 0.6372% | 908 |
| Net operating income to assets | 0.1834% | 5,966 |
| Return on assets (ROA) | 0.3929% | 5,475 |
| Pretax return on assets | 0.5979% | 5,139 |
| Return on Equity (ROE) | 3.8922% | 5,316 |
| Retained earnings to average equity (ytd only) | 3.6920% | 4,142 |
| Net charge-offs to loans | 2.2159% | 344 |
| Credit loss provision to net charge-offs | 59.5887% | 3,808 |
| Earnings coverage of net charge-offs (x) | 0.8583% | 4,627 |
| Efficiency ratio | 70.1931% | 3,735 |
| Assets per employee ($millions) | 6.4497% | 988 |
| Cash dividends to net income (ytd only)* | 5.1437% | 3,424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3974% | 4,481 |
| Loan loss allowance to noncurrent loans | 168.4536% | 1,993 |
| Noncurrent assets plus other real estate owned to assets | 0.5619% | 5,352 |
| Noncurrent loans to loans | 0.8295% | 4,860 |
| Net loans and leases to total assets | 49.6563% | 5,400 |
| Net loans and leases to deposits | 55.2630% | 5,736 |
| Net loans and leases to core deposits | 62.0387% | 5,382 |
| Total domestic deposits to total assets | 89.8546% | 1,013 |
| Equity capital to assets | 10.0004% | 4,341 |
| Core capital (leverage) ratio | 9.4871% | 4,154 |
| Tier 1 risk-based capital ratio | 16.7520% | 2,785 |
| Total risk-based capital ratio | 17.9969% | 2,738 |
| Memoranda: | ||
| Average total assets | $336,487,670 | 1,936 |
| Average earning assets | $312,079,000 | 1,917 |
| Average equity | $33,965,000 | 2,041 |
| Average total loans | $162,375,330 | 2,435 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7864% | 6,275 |
| Cost of funding earning assets | 0.6553% | 4,676 |
| Net interest margin | 3.1311% | 5,954 |
| Noninterest income to average assets | 0.0968% | 6,762 |
| Noninterest expense to average assets | 2.2687% | 5,858 |
| Loan and lease loss provision to assets | 0.8312% | 573 |
| Net operating income to assets | -0.0715% | 6,507 |
| Return on assets (ROA) | 0.2033% | 6,122 |
| Pretax return on assets | 0.2977% | 5,982 |
| Return on Equity (ROE) | 2.0040% | 6,074 |
| Retained earnings to average equity (ytd only) | 1.8012% | 5,346 |
| Net charge-offs to loans | 4.6168% | 115 |
| Credit loss provision to net charge-offs | 38.1879% | 3,475 |
| Earnings coverage of net charge-offs (x) | 0.3330% | 4,201 |
| Efficiency ratio | 75.7882% | 2,816 |
| Assets per employee ($millions) | 6.8813% | 799 |
| Cash dividends to net income (ytd only)* | 10.1190% | 2,549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3269% | 4,901 |
| Loan loss allowance to noncurrent loans | 148.9546% | 2,183 |
| Noncurrent assets plus other real estate owned to assets | 0.5490% | 5,504 |
| Noncurrent loans to loans | 0.8908% | 4,885 |
| Net loans and leases to total assets | 44.6544% | 5,938 |
| Net loans and leases to deposits | 49.5420% | 6,173 |
| Net loans and leases to core deposits | 55.2926% | 5,965 |
| Total domestic deposits to total assets | 90.1344% | 1,012 |
| Equity capital to assets | 9.7595% | 4,440 |
| Core capital (leverage) ratio | 9.5789% | 3,949 |
| Tier 1 risk-based capital ratio | 17.1792% | 2,610 |
| Total risk-based capital ratio | 18.2878% | 2,631 |
| Memoranda: | ||
| Average total assets | $330,588,500 | 1,971 |
| Average earning assets | $305,835,000 | 1,948 |
| Average equity | $33,532,500 | 2,069 |
| Average total loans | $155,864,500 | 2,540 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9473% | 6,551 |
| Cost of funding earning assets | 0.8249% | 4,673 |
| Net interest margin | 3.1225% | 6,290 |
| Noninterest income to average assets | 0.0956% | 6,658 |
| Noninterest expense to average assets | 2.3457% | 5,923 |
| Loan and lease loss provision to assets | 0.5921% | 1,752 |
| Net operating income to assets | 0.3368% | 5,113 |
| Return on assets (ROA) | 0.4778% | 4,721 |
| Pretax return on assets | 0.2065% | 5,767 |
| Return on Equity (ROE) | 4.8871% | 4,447 |
| Retained earnings to average equity (ytd only) | 4.7985% | 2,791 |
| Net charge-offs to loans | 0.1589% | 4,874 |
| Credit loss provision to net charge-offs | 794.8837% | 279 |
| Earnings coverage of net charge-offs (x) | 8.8279% | 2,084 |
| Efficiency ratio | 78.1034% | 2,574 |
| Assets per employee ($millions) | 6.7471% | 840 |
| Cash dividends to net income (ytd only)* | 1.8129% | 4,046 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0369% | 2,164 |
| Loan loss allowance to noncurrent loans | 97.4847% | 3,105 |
| Noncurrent assets plus other real estate owned to assets | 1.1866% | 4,262 |
| Noncurrent loans to loans | 2.0894% | 3,078 |
| Net loans and leases to total assets | 48.1991% | 5,804 |
| Net loans and leases to deposits | 53.9629% | 6,072 |
| Net loans and leases to core deposits | 60.1963% | 5,832 |
| Total domestic deposits to total assets | 89.3189% | 1,355 |
| Equity capital to assets | 10.5597% | 3,463 |
| Core capital (leverage) ratio | 10.3720% | 2,878 |
| Tier 1 risk-based capital ratio | 17.6057% | 2,345 |
| Total risk-based capital ratio | 18.8612% | 2,310 |
| Memoranda: | ||
| Average total assets | $288,613,000 | 2,206 |
| Average earning assets | $268,763,200 | 2,179 |
| Average equity | $28,217,200 | 2,319 |
| Average total loans | $135,295,800 | 2,893 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0064% | 6,578 |
| Cost of funding earning assets | 0.8619% | 4,691 |
| Net interest margin | 3.1445% | 6,305 |
| Noninterest income to average assets | 0.1132% | 6,690 |
| Noninterest expense to average assets | 2.3863% | 5,801 |
| Loan and lease loss provision to assets | 0.3197% | 2,978 |
| Net operating income to assets | 0.3259% | 5,304 |
| Return on assets (ROA) | 0.4770% | 4,844 |
| Pretax return on assets | 0.4770% | 5,235 |
| Return on Equity (ROE) | 4.9912% | 4,537 |
| Retained earnings to average equity (ytd only) | 4.9516% | 3,207 |
| Net charge-offs to loans | 0.2039% | 4,173 |
| Credit loss provision to net charge-offs | 339.1960% | 830 |
| Earnings coverage of net charge-offs (x) | 6.8492% | 2,472 |
| Efficiency ratio | 78.7065% | 2,441 |
| Assets per employee ($millions) | 6.3604% | 1,010 |
| Cash dividends to net income (ytd only)* | 0.7947% | 3,496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5008% | 4,091 |
| Loan loss allowance to noncurrent loans | 2,634.1463% | 171 |
| Noncurrent assets plus other real estate owned to assets | 0.2037% | 6,553 |
| Noncurrent loans to loans | 0.0570% | 6,790 |
| Net loans and leases to total assets | 47.4225% | 6,016 |
| Net loans and leases to deposits | 53.6373% | 6,240 |
| Net loans and leases to core deposits | 59.5579% | 6,022 |
| Total domestic deposits to total assets | 88.4133% | 1,803 |
| Equity capital to assets | 11.4194% | 2,763 |
| Core capital (leverage) ratio | 10.8590% | 2,512 |
| Tier 1 risk-based capital ratio | 19.5424% | 1,804 |
| Total risk-based capital ratio | 20.7929% | 1,773 |
| Memoranda: | ||
| Average total assets | $281,488,250 | 2,267 |
| Average earning assets | $261,277,250 | 2,238 |
| Average equity | $26,900,000 | 2,403 |
| Average total loans | $130,114,000 | 3,003 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9507% | 6,738 |
| Cost of funding earning assets | 0.8884% | 4,768 |
| Net interest margin | 3.0623% | 6,483 |
| Noninterest income to average assets | 0.1386% | 6,635 |
| Noninterest expense to average assets | 2.3847% | 5,888 |
| Loan and lease loss provision to assets | 0.2496% | 3,413 |
| Net operating income to assets | 0.3751% | 5,056 |
| Return on assets (ROA) | 0.3838% | 5,164 |
| Pretax return on assets | 0.3838% | 5,442 |
| Return on Equity (ROE) | 4.3205% | 4,782 |
| Retained earnings to average equity (ytd only) | 4.3205% | 3,445 |
| Net charge-offs to loans | 0.0207% | 5,550 |
| Credit loss provision to net charge-offs | 2,646.1538% | 122 |
| Earnings coverage of net charge-offs (x) | 66.2308% | 497 |
| Efficiency ratio | 79.2430% | 2,513 |
| Assets per employee ($millions) | 6.2562% | 1,045 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5012% | 4,124 |
| Loan loss allowance to noncurrent loans | 1,228.6585% | 311 |
| Noncurrent assets plus other real estate owned to assets | 0.2401% | 6,529 |
| Noncurrent loans to loans | 0.1222% | 6,675 |
| Net loans and leases to total assets | 45.9409% | 6,277 |
| Net loans and leases to deposits | 50.6251% | 6,559 |
| Net loans and leases to core deposits | 57.0421% | 6,347 |
| Total domestic deposits to total assets | 90.7472% | 609 |
| Equity capital to assets | 9.1169% | 5,403 |
| Core capital (leverage) ratio | 8.6583% | 5,285 |
| Tier 1 risk-based capital ratio | 14.7313% | 3,655 |
| Total risk-based capital ratio | 15.9273% | 3,654 |
| Memoranda: | ||
| Average total assets | $275,671,670 | 2,322 |
| Average earning assets | $258,434,670 | 2,268 |
| Average equity | $24,487,670 | 2,612 |
| Average total loans | $125,510,670 | 3,112 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8571% | 6,878 |
| Cost of funding earning assets | 0.8896% | 4,998 |
| Net interest margin | 2.9675% | 6,645 |
| Noninterest income to average assets | 0.2478% | 5,918 |
| Noninterest expense to average assets | 2.3841% | 5,936 |
| Loan and lease loss provision to assets | 0.2952% | 2,797 |
| Net operating income to assets | 0.3694% | 5,079 |
| Return on assets (ROA) | 0.3694% | 5,162 |
| Pretax return on assets | 0.3694% | 5,437 |
| Return on Equity (ROE) | 4.2180% | 4,789 |
| Retained earnings to average equity (ytd only) | 4.2180% | 3,633 |
| Net charge-offs to loans | -0.0594% | 6,943 |
| Credit loss provision to net charge-offs | -1,105.5556% | 6,142 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1995% | 2,815 |
| Assets per employee ($millions) | 6.1274% | 1,120 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4884% | 4,267 |
| Loan loss allowance to noncurrent loans | 979.3814% | 390 |
| Noncurrent assets plus other real estate owned to assets | 0.2558% | 6,539 |
| Noncurrent loans to loans | 0.1520% | 6,672 |
| Net loans and leases to total assets | 44.6142% | 6,416 |
| Net loans and leases to deposits | 49.1712% | 6,676 |
| Net loans and leases to core deposits | 55.7801% | 6,429 |
| Total domestic deposits to total assets | 90.7323% | 750 |
| Equity capital to assets | 8.4457% | 5,988 |
| Core capital (leverage) ratio | 9.0376% | 4,556 |
| Tier 1 risk-based capital ratio | 15.1755% | 3,333 |
| Total risk-based capital ratio | 16.3519% | 3,332 |
| Memoranda: | ||
| Average total assets | $269,616,000 | 2,396 |
| Average earning assets | $254,488,500 | 2,319 |
| Average equity | $23,613,000 | 2,679 |
| Average total loans | $121,153,500 | 3,236 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2320% | 6,884 |
| Cost of funding earning assets | 1.2585% | 4,156 |
| Net interest margin | 2.9735% | 6,789 |
| Noninterest income to average assets | 0.0718% | 7,025 |
| Noninterest expense to average assets | 2.6334% | 5,278 |
| Loan and lease loss provision to assets | 0.1142% | 6,019 |
| Net operating income to assets | 0.3040% | 4,921 |
| Return on assets (ROA) | 0.4826% | 4,339 |
| Pretax return on assets | 0.2821% | 5,284 |
| Return on Equity (ROE) | 5.5047% | 3,836 |
| Retained earnings to average equity (ytd only) | 5.5047% | 2,108 |
| Net charge-offs to loans | 0.0937% | 5,905 |
| Credit loss provision to net charge-offs | 240.1961% | 1,199 |
| Earnings coverage of net charge-offs (x) | 4.5784% | 2,874 |
| Efficiency ratio | 92.3630% | 1,160 |
| Assets per employee ($millions) | 5.8493% | 1,315 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4679% | 4,200 |
| Loan loss allowance to noncurrent loans | 516.2577% | 630 |
| Noncurrent assets plus other real estate owned to assets | 0.3411% | 6,404 |
| Noncurrent loans to loans | 0.2843% | 6,488 |
| Net loans and leases to total assets | 43.8954% | 6,722 |
| Net loans and leases to deposits | 49.1903% | 6,895 |
| Net loans and leases to core deposits | 54.8844% | 6,759 |
| Total domestic deposits to total assets | 89.2358% | 1,523 |
| Equity capital to assets | 9.1001% | 4,992 |
| Core capital (leverage) ratio | 10.1561% | 2,919 |
| Tier 1 risk-based capital ratio | 16.4682% | 2,536 |
| Total risk-based capital ratio | 17.6113% | 2,548 |
| Memoranda: | ||
| Average total assets | $214,472,600 | 2,934 |
| Average earning assets | $200,470,800 | 2,870 |
| Average equity | $18,802,200 | 3,304 |
| Average total loans | $108,883,800 | 3,572 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4432% | 6,744 |
| Cost of funding earning assets | 1.3575% | 3,850 |
| Net interest margin | 3.0857% | 6,649 |
| Noninterest income to average assets | 0.0628% | 7,212 |
| Noninterest expense to average assets | 2.6889% | 4,928 |
| Loan and lease loss provision to assets | 0.1158% | 5,867 |
| Net operating income to assets | 0.4149% | 4,682 |
| Return on assets (ROA) | 0.6655% | 3,736 |
| Pretax return on assets | 0.3841% | 5,267 |
| Return on Equity (ROE) | 7.6836% | 3,031 |
| Retained earnings to average equity (ytd only) | 7.6836% | 1,524 |
| Net charge-offs to loans | 0.0918% | 5,604 |
| Credit loss provision to net charge-offs | 239.1892% | 1,410 |
| Earnings coverage of net charge-offs (x) | 5.1489% | 2,832 |
| Efficiency ratio | 91.5145% | 1,166 |
| Assets per employee ($millions) | 5.7515% | 1,424 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5209% | 3,861 |
| Loan loss allowance to noncurrent loans | 646.4567% | 509 |
| Noncurrent assets plus other real estate owned to assets | 0.3503% | 6,509 |
| Noncurrent loans to loans | 0.2353% | 6,703 |
| Net loans and leases to total assets | 46.2136% | 6,678 |
| Net loans and leases to deposits | 51.3611% | 6,918 |
| Net loans and leases to core deposits | 57.5367% | 6,760 |
| Total domestic deposits to total assets | 89.9777% | 894 |
| Equity capital to assets | 8.1406% | 6,680 |
| Core capital (leverage) ratio | 8.0670% | 6,249 |
| Tier 1 risk-based capital ratio | 13.4280% | 4,243 |
| Total risk-based capital ratio | 14.6616% | 4,226 |
| Memoranda: | ||
| Average total assets | $203,748,000 | 3,096 |
| Average earning assets | $189,860,000 | 3,047 |
| Average equity | $17,647,500 | 3,529 |
| Average total loans | $107,440,500 | 3,653 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5543% | 6,581 |
| Cost of funding earning assets | 1.4190% | 3,751 |
| Net interest margin | 3.1353% | 6,505 |
| Noninterest income to average assets | 0.0667% | 7,249 |
| Noninterest expense to average assets | 2.6711% | 5,031 |
| Loan and lease loss provision to assets | 0.1241% | 5,650 |
| Net operating income to assets | 0.6226% | 3,769 |
| Return on assets (ROA) | 0.7273% | 3,445 |
| Pretax return on assets | 0.2862% | 5,536 |
| Return on Equity (ROE) | 8.2025% | 2,807 |
| Retained earnings to average equity (ytd only) | 8.2025% | 1,376 |
| Net charge-offs to loans | 0.0932% | 5,203 |
| Credit loss provision to net charge-offs | 242.0000% | 1,585 |
| Earnings coverage of net charge-offs (x) | 5.9600% | 2,559 |
| Efficiency ratio | 89.7312% | 1,357 |
| Assets per employee ($millions) | 5.2189% | 1,905 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4595% | 4,128 |
| Loan loss allowance to noncurrent loans | 170.2960% | 1,661 |
| Noncurrent assets plus other real estate owned to assets | 0.4532% | 6,317 |
| Noncurrent loans to loans | 0.8570% | 5,549 |
| Net loans and leases to total assets | 52.1039% | 6,201 |
| Net loans and leases to deposits | 58.6805% | 6,525 |
| Net loans and leases to core deposits | 66.4868% | 6,202 |
| Total domestic deposits to total assets | 88.7926% | 1,550 |
| Equity capital to assets | 8.9934% | 5,457 |
| Core capital (leverage) ratio | 8.6621% | 5,142 |
| Tier 1 risk-based capital ratio | 13.1721% | 4,304 |
| Total risk-based capital ratio | 14.3820% | 4,296 |
| Memoranda: | ||
| Average total assets | $194,978,000 | 3,237 |
| Average earning assets | $180,972,670 | 3,183 |
| Average equity | $17,287,330 | 3,588 |
| Average total loans | $107,267,330 | 3,689 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5816% | 6,611 |
| Cost of funding earning assets | 1.4728% | 3,724 |
| Net interest margin | 3.1088% | 6,569 |
| Noninterest income to average assets | 0.0829% | 7,290 |
| Noninterest expense to average assets | 2.7200% | 4,814 |
| Loan and lease loss provision to assets | 0.1170% | 5,439 |
| Net operating income to assets | 0.1871% | 5,729 |
| Return on assets (ROA) | 0.3679% | 5,108 |
| Pretax return on assets | 0.3041% | 5,587 |
| Return on Equity (ROE) | 4.1828% | 4,810 |
| Retained earnings to average equity (ytd only) | 4.1828% | 3,635 |
| Net charge-offs to loans | 0.0038% | 5,570 |
| Credit loss provision to net charge-offs | 5,500.0000% | 87 |
| Earnings coverage of net charge-offs (x) | 113.0000% | 289 |
| Efficiency ratio | 91.8822% | 1,282 |
| Assets per employee ($millions) | 5.4542% | 1,714 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4643% | 4,108 |
| Loan loss allowance to noncurrent loans | 146.7772% | 1,901 |
| Noncurrent assets plus other real estate owned to assets | 0.5531% | 6,124 |
| Noncurrent loans to loans | 0.9976% | 5,325 |
| Net loans and leases to total assets | 54.6292% | 5,937 |
| Net loans and leases to deposits | 61.3623% | 6,335 |
| Net loans and leases to core deposits | 69.8772% | 5,929 |
| Total domestic deposits to total assets | 89.0273% | 1,501 |
| Equity capital to assets | 8.8245% | 5,501 |
| Core capital (leverage) ratio | 9.1516% | 4,296 |
| Tier 1 risk-based capital ratio | 12.6338% | 4,616 |
| Total risk-based capital ratio | 13.8199% | 4,643 |
| Memoranda: | ||
| Average total assets | $188,090,000 | 3,390 |
| Average earning assets | $174,088,500 | 3,338 |
| Average equity | $16,544,000 | 3,745 |
| Average total loans | $105,711,000 | 3,784 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9715% | 6,523 |
| Cost of funding earning assets | 1.8789% | 3,566 |
| Net interest margin | 3.0926% | 6,392 |
| Noninterest income to average assets | 0.0650% | 7,422 |
| Noninterest expense to average assets | 3.0422% | 3,980 |
| Loan and lease loss provision to assets | 0.8187% | 2,677 |
| Net operating income to assets | -0.8224% | 6,456 |
| Return on assets (ROA) | -0.7346% | 6,389 |
| Pretax return on assets | -0.8194% | 6,278 |
| Return on Equity (ROE) | -6.4672% | 6,345 |
| Retained earnings to average equity (ytd only) | -6.4672% | 6,192 |
| Net charge-offs to loans | 0.5449% | 3,607 |
| Credit loss provision to net charge-offs | 253.9474% | 1,389 |
| Earnings coverage of net charge-offs (x) | -0.3048% | 6,554 |
| Efficiency ratio | 103.3381% | 969 |
| Assets per employee ($millions) | 5.2891% | 1,844 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5015% | 3,717 |
| Loan loss allowance to noncurrent loans | 141.1549% | 2,025 |
| Noncurrent assets plus other real estate owned to assets | 0.6067% | 5,937 |
| Noncurrent loans to loans | 1.0637% | 5,194 |
| Net loans and leases to total assets | 56.1773% | 5,924 |
| Net loans and leases to deposits | 63.6001% | 6,320 |
| Net loans and leases to core deposits | 76.8914% | 6,342 |
| Total domestic deposits to total assets | 88.3289% | 1,808 |
| Equity capital to assets | 8.7644% | 5,492 |
| Core capital (leverage) ratio | 9.0160% | 4,390 |
| Tier 1 risk-based capital ratio | 12.0482% | 4,904 |
| Total risk-based capital ratio | 13.2624% | 4,889 |
| Memoranda: | ||
| Average total assets | $141,444,200 | 4,089 |
| Average earning assets | $131,669,600 | 4,050 |
| Average equity | $16,065,600 | 3,859 |
| Average total loans | $83,692,600 | 4,394 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9781% | 6,671 |
| Cost of funding earning assets | 1.9739% | 3,495 |
| Net interest margin | 3.0042% | 6,605 |
| Noninterest income to average assets | 0.0607% | 7,604 |
| Noninterest expense to average assets | 3.1359% | 3,515 |
| Loan and lease loss provision to assets | 1.0871% | 1,796 |
| Net operating income to assets | -1.2896% | 7,008 |
| Return on assets (ROA) | -1.1993% | 6,964 |
| Pretax return on assets | -1.2600% | 6,844 |
| Return on Equity (ROE) | -9.7963% | 6,883 |
| Retained earnings to average equity (ytd only) | -9.7963% | 6,788 |
| Net charge-offs to loans | 0.7682% | 2,441 |
| Credit loss provision to net charge-offs | 236.2637% | 1,853 |
| Earnings coverage of net charge-offs (x) | -0.5824% | 6,509 |
| Efficiency ratio | 109.3441% | 776 |
| Assets per employee ($millions) | 5.4802% | 1,631 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4712% | 3,590 |
| Loan loss allowance to noncurrent loans | 124.1908% | 2,302 |
| Noncurrent assets plus other real estate owned to assets | 0.7141% | 5,699 |
| Noncurrent loans to loans | 1.1846% | 4,966 |
| Net loans and leases to total assets | 59.3936% | 5,681 |
| Net loans and leases to deposits | 68.1709% | 6,119 |
| Net loans and leases to core deposits | 83.7818% | 6,057 |
| Total domestic deposits to total assets | 87.1245% | 2,117 |
| Equity capital to assets | 9.5922% | 4,631 |
| Core capital (leverage) ratio | 9.6026% | 3,787 |
| Tier 1 risk-based capital ratio | 12.8577% | 4,291 |
| Total risk-based capital ratio | 14.0270% | 4,275 |
| Memoranda: | ||
| Average total assets | $131,848,000 | 4,326 |
| Average earning assets | $123,204,000 | 4,266 |
| Average equity | $16,141,750 | 3,880 |
| Average total loans | $78,975,000 | 4,587 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9694% | 6,873 |
| Cost of funding earning assets | 2.0681% | 3,434 |
| Net interest margin | 2.9013% | 6,804 |
| Noninterest income to average assets | 0.0661% | 7,655 |
| Noninterest expense to average assets | 3.3224% | 2,873 |
| Loan and lease loss provision to assets | 0.7868% | 2,119 |
| Net operating income to assets | -1.2212% | 7,123 |
| Return on assets (ROA) | -1.0843% | 7,041 |
| Pretax return on assets | -1.1835% | 6,928 |
| Return on Equity (ROE) | -8.0661% | 6,894 |
| Retained earnings to average equity (ytd only) | -8.0661% | 6,673 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 119.6429% | 673 |
| Assets per employee ($millions) | 5.1966% | 1,860 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4865% | 3,271 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 59.8478% | 5,699 |
| Net loans and leases to deposits | 70.3156% | 5,955 |
| Net loans and leases to core deposits | 87.2957% | 5,787 |
| Total domestic deposits to total assets | 85.1131% | 3,210 |
| Equity capital to assets | 10.8052% | 3,109 |
| Core capital (leverage) ratio | 11.3690% | 2,154 |
| Tier 1 risk-based capital ratio | 15.2681% | 2,896 |
| Total risk-based capital ratio | 16.4551% | 2,867 |
| Memoranda: | ||
| Average total assets | $120,995,670 | 4,604 |
| Average earning assets | $113,052,330 | 4,536 |
| Average equity | $16,265,670 | 3,866 |
| Average total loans | $72,265,330 | 4,875 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9414% | 7,069 |
| Cost of funding earning assets | 2.1474% | 3,423 |
| Net interest margin | 2.7940% | 7,003 |
| Noninterest income to average assets | 0.0625% | 7,752 |
| Noninterest expense to average assets | 3.5828% | 1,900 |
| Loan and lease loss provision to assets | 0.8755% | 1,501 |
| Net operating income to assets | -1.7730% | 7,592 |
| Return on assets (ROA) | -1.7436% | 7,591 |
| Pretax return on assets | -1.7436% | 7,454 |
| Return on Equity (ROE) | -11.4649% | 7,446 |
| Retained earnings to average equity (ytd only) | -11.4649% | 7,235 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 133.4247% | 470 |
| Assets per employee ($millions) | 4.1097% | 3,438 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4940% | 3,032 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 57.5439% | 6,015 |
| Net loans and leases to deposits | 69.7124% | 6,008 |
| Net loans and leases to core deposits | 87.5262% | 5,779 |
| Total domestic deposits to total assets | 82.5447% | 4,356 |
| Equity capital to assets | 13.1590% | 1,675 |
| Core capital (leverage) ratio | 14.5065% | 1,084 |
| Tier 1 risk-based capital ratio | 18.9525% | 1,824 |
| Total risk-based capital ratio | 20.1958% | 1,781 |
| Memoranda: | ||
| Average total assets | $108,741,500 | 4,932 |
| Average earning assets | $102,076,500 | 4,859 |
| Average equity | $16,537,500 | 3,831 |
| Average total loans | $64,200,500 | 5,195 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1878% | 7,693 |
| Cost of funding earning assets | 1.8716% | 6,821 |
| Net interest margin | 3.3162% | 5,979 |
| Noninterest income to average assets | 0.0756% | 7,761 |
| Noninterest expense to average assets | 6.6371% | 318 |
| Loan and lease loss provision to assets | 1.1724% | 1,237 |
| Net operating income to assets | -4.6214% | 8,057 |
| Return on assets (ROA) | -4.6214% | 8,045 |
| Pretax return on assets | -4.6214% | 7,980 |
| Return on Equity (ROE) | -13.9609% | 7,540 |
| Retained earnings to average equity (ytd only) | -13.9609% | 7,401 |
| Net charge-offs to loans | 0.0272% | 6,448 |
| Credit loss provision to net charge-offs | 6,200.0000% | 86 |
| Earnings coverage of net charge-offs (x) | -182.4000% | 7,019 |
| Efficiency ratio | 208.1851% | 189 |
| Assets per employee ($millions) | 2.9435% | 6,187 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4864% | 2,764 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 58.9653% | 6,064 |
| Net loans and leases to deposits | 71.9952% | 6,062 |
| Net loans and leases to core deposits | 85.4988% | 6,171 |
| Total domestic deposits to total assets | 81.9017% | 4,239 |
| Equity capital to assets | 17.8902% | 661 |
| Core capital (leverage) ratio | 20.2489% | 426 |
| Tier 1 risk-based capital ratio | 25.6309% | 935 |
| Total risk-based capital ratio | 26.8320% | 913 |
| Memoranda: | ||
| Average total assets | $52,884,600 | 6,669 |
| Average earning assets | $49,635,400 | 6,607 |
| Average equity | $17,506,000 | 3,645 |
| Average total loans | $36,795,600 | 6,328 |