Home > Mission Community Bank > Performance and Condition Ratios
Mission Community Bank, 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 | 4.7016% | 1,569 |
| Cost of funding earning assets | 0.1700% | 6,441 |
| Net interest margin | 4.5316% | 692 |
| Noninterest income to average assets | 0.6212% | 2,966 |
| Noninterest expense to average assets | 3.8877% | 1,007 |
| Loan and lease loss provision to assets | 0.0711% | 3,700 |
| Net operating income to assets | 0.7638% | 3,477 |
| Return on assets (ROA) | 0.3426% | 5,476 |
| Pretax return on assets | 0.3568% | 5,589 |
| Return on Equity (ROE) | 3.7509% | 5,218 |
| Retained earnings to average equity (ytd only) | 3.7509% | 3,548 |
| Net charge-offs to loans | 0.0647% | 4,303 |
| Credit loss provision to net charge-offs | 183.4320% | 1,252 |
| Earnings coverage of net charge-offs (x) | 22.3609% | 1,452 |
| Efficiency ratio | 79.8186% | 2,175 |
| Assets per employee ($millions) | 4.1182% | 3,606 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5022% | 3,181 |
| Loan loss allowance to noncurrent loans | 53.1659% | 5,125 |
| Noncurrent assets plus other real estate owned to assets | 1.9065% | 1,896 |
| Noncurrent loans to loans | 2.8255% | 1,241 |
| Net loans and leases to total assets | 66.4632% | 2,622 |
| Net loans and leases to deposits | 74.7229% | 3,151 |
| Net loans and leases to core deposits | 82.0435% | 2,893 |
| Total domestic deposits to total assets | 88.9463% | 1,664 |
| Equity capital to assets | 9.1680% | 4,844 |
| Core capital (leverage) ratio | 8.9173% | 5,120 |
| Tier 1 risk-based capital ratio | 11.4823% | 5,915 |
| Total risk-based capital ratio | 12.7346% | 5,853 |
| Memoranda: | ||
| Average total assets | $436,064,800 | 1,517 |
| Average earning assets | $397,718,400 | 1,521 |
| Average equity | $39,830,800 | 1,749 |
| Average total loans | $261,222,200 | 1,585 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7655% | 1,427 |
| Cost of funding earning assets | 0.1713% | 6,543 |
| Net interest margin | 4.5941% | 624 |
| Noninterest income to average assets | 0.5349% | 3,559 |
| Noninterest expense to average assets | 3.8994% | 967 |
| Loan and lease loss provision to assets | 0.0946% | 3,186 |
| Net operating income to assets | 0.7137% | 3,791 |
| Return on assets (ROA) | 0.3109% | 5,694 |
| Pretax return on assets | 0.3188% | 5,825 |
| Return on Equity (ROE) | 3.4070% | 5,470 |
| Retained earnings to average equity (ytd only) | 3.4070% | 4,264 |
| Net charge-offs to loans | 0.0815% | 3,788 |
| Credit loss provision to net charge-offs | 200.0000% | 1,204 |
| Earnings coverage of net charge-offs (x) | 17.4324% | 1,734 |
| Efficiency ratio | 80.5904% | 2,020 |
| Assets per employee ($millions) | 4.1044% | 3,630 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5897% | 3,049 |
| Loan loss allowance to noncurrent loans | 54.0770% | 5,054 |
| Noncurrent assets plus other real estate owned to assets | 1.8515% | 2,197 |
| Noncurrent loans to loans | 2.9397% | 1,389 |
| Net loans and leases to total assets | 61.9811% | 3,363 |
| Net loans and leases to deposits | 69.4253% | 3,864 |
| Net loans and leases to core deposits | 79.0055% | 3,229 |
| Total domestic deposits to total assets | 89.2774% | 1,420 |
| Equity capital to assets | 8.8286% | 5,385 |
| Core capital (leverage) ratio | 8.6587% | 5,590 |
| Tier 1 risk-based capital ratio | 11.6493% | 5,982 |
| Total risk-based capital ratio | 12.9023% | 5,939 |
| Memoranda: | ||
| Average total assets | $436,979,500 | 1,527 |
| Average earning assets | $398,440,000 | 1,526 |
| Average equity | $39,877,750 | 1,759 |
| Average total loans | $253,584,250 | 1,637 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5951% | 1,869 |
| Cost of funding earning assets | 0.1696% | 6,628 |
| Net interest margin | 4.4255% | 812 |
| Noninterest income to average assets | 0.4305% | 4,303 |
| Noninterest expense to average assets | 3.9193% | 958 |
| Loan and lease loss provision to assets | 0.0458% | 4,052 |
| Net operating income to assets | 0.4848% | 4,866 |
| Return on assets (ROA) | 0.5630% | 4,657 |
| Pretax return on assets | 0.5772% | 5,106 |
| Return on Equity (ROE) | 6.1024% | 4,109 |
| Retained earnings to average equity (ytd only) | 6.1024% | 2,372 |
| Net charge-offs to loans | 0.0895% | 3,475 |
| Credit loss provision to net charge-offs | 90.9091% | 2,418 |
| Earnings coverage of net charge-offs (x) | 10.7727% | 2,128 |
| Efficiency ratio | 85.7510% | 1,439 |
| Assets per employee ($millions) | 4.1198% | 3,534 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6937% | 2,799 |
| Loan loss allowance to noncurrent loans | 47.6094% | 5,307 |
| Noncurrent assets plus other real estate owned to assets | 1.9978% | 2,152 |
| Noncurrent loans to loans | 3.5575% | 1,169 |
| Net loans and leases to total assets | 55.2070% | 4,419 |
| Net loans and leases to deposits | 61.0752% | 4,853 |
| Net loans and leases to core deposits | 72.1170% | 4,021 |
| Total domestic deposits to total assets | 90.3919% | 811 |
| Equity capital to assets | 8.5088% | 5,754 |
| Core capital (leverage) ratio | 8.7129% | 5,400 |
| Tier 1 risk-based capital ratio | 12.4033% | 5,569 |
| Total risk-based capital ratio | 13.6566% | 5,513 |
| Memoranda: | ||
| Average total assets | $436,250,670 | 1,526 |
| Average earning assets | $397,471,000 | 1,533 |
| Average equity | $40,246,330 | 1,748 |
| Average total loans | $245,913,330 | 1,686 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7679% | 1,359 |
| Cost of funding earning assets | 0.1698% | 6,729 |
| Net interest margin | 4.5981% | 563 |
| Noninterest income to average assets | 0.4010% | 4,447 |
| Noninterest expense to average assets | 3.9805% | 903 |
| Loan and lease loss provision to assets | 0.0926% | 3,114 |
| Net operating income to assets | 0.5057% | 4,628 |
| Return on assets (ROA) | 0.6446% | 4,154 |
| Pretax return on assets | 0.6575% | 4,762 |
| Return on Equity (ROE) | 6.7181% | 3,646 |
| Retained earnings to average equity (ytd only) | 6.7181% | 2,304 |
| Net charge-offs to loans | 0.1722% | 2,365 |
| Credit loss provision to net charge-offs | 95.2381% | 1,938 |
| Earnings coverage of net charge-offs (x) | 6.2571% | 2,248 |
| Efficiency ratio | 84.7023% | 1,683 |
| Assets per employee ($millions) | 3.9923% | 3,967 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7360% | 2,854 |
| Loan loss allowance to noncurrent loans | 47.1144% | 5,287 |
| Noncurrent assets plus other real estate owned to assets | 2.0857% | 2,251 |
| Noncurrent loans to loans | 3.6847% | 1,279 |
| Net loans and leases to total assets | 55.6232% | 4,146 |
| Net loans and leases to deposits | 61.8259% | 4,572 |
| Net loans and leases to core deposits | 71.9369% | 3,821 |
| Total domestic deposits to total assets | 89.9674% | 1,072 |
| Equity capital to assets | 9.6226% | 4,675 |
| Core capital (leverage) ratio | 8.9935% | 4,900 |
| Tier 1 risk-based capital ratio | 12.3544% | 5,675 |
| Total risk-based capital ratio | 13.6080% | 5,631 |
| Memoranda: | ||
| Average total assets | $431,907,000 | 1,558 |
| Average earning assets | $393,383,500 | 1,559 |
| Average equity | $41,440,000 | 1,731 |
| Average total loans | $243,935,500 | 1,703 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6378% | 2,857 |
| Cost of funding earning assets | 0.2455% | 6,688 |
| Net interest margin | 4.3922% | 1,174 |
| Noninterest income to average assets | 0.4739% | 4,072 |
| Noninterest expense to average assets | 4.0063% | 965 |
| Loan and lease loss provision to assets | 0.2189% | 2,945 |
| Net operating income to assets | 0.2578% | 5,607 |
| Return on assets (ROA) | 0.5009% | 4,939 |
| Pretax return on assets | 0.5155% | 5,230 |
| Return on Equity (ROE) | 5.5833% | 4,381 |
| Retained earnings to average equity (ytd only) | 5.5833% | 2,331 |
| Net charge-offs to loans | 0.0253% | 5,544 |
| Credit loss provision to net charge-offs | 1,681.0345% | 138 |
| Earnings coverage of net charge-offs (x) | 37.1552% | 856 |
| Efficiency ratio | 87.2000% | 1,307 |
| Assets per employee ($millions) | 4.0060% | 3,936 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7399% | 2,790 |
| Loan loss allowance to noncurrent loans | 46.7799% | 5,286 |
| Noncurrent assets plus other real estate owned to assets | 2.0959% | 2,338 |
| Noncurrent loans to loans | 3.7193% | 1,304 |
| Net loans and leases to total assets | 55.3715% | 4,396 |
| Net loans and leases to deposits | 61.5151% | 4,846 |
| Net loans and leases to core deposits | 69.4413% | 4,381 |
| Total domestic deposits to total assets | 90.0129% | 944 |
| Equity capital to assets | 9.5669% | 4,799 |
| Core capital (leverage) ratio | 8.6063% | 5,451 |
| Tier 1 risk-based capital ratio | 12.3962% | 5,545 |
| Total risk-based capital ratio | 13.6499% | 5,490 |
| Memoranda: | ||
| Average total assets | $445,419,000 | 1,480 |
| Average earning assets | $407,287,000 | 1,481 |
| Average equity | $39,958,200 | 1,742 |
| Average total loans | $229,324,800 | 1,781 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6985% | 2,811 |
| Cost of funding earning assets | 0.2649% | 6,750 |
| Net interest margin | 4.4336% | 1,127 |
| Noninterest income to average assets | 0.3564% | 4,973 |
| Noninterest expense to average assets | 3.9843% | 953 |
| Loan and lease loss provision to assets | 0.2006% | 3,074 |
| Net operating income to assets | 0.2297% | 5,839 |
| Return on assets (ROA) | 0.5073% | 5,080 |
| Pretax return on assets | 0.5079% | 5,445 |
| Return on Equity (ROE) | 5.7473% | 4,462 |
| Retained earnings to average equity (ytd only) | 5.7473% | 2,867 |
| Net charge-offs to loans | -0.0585% | 6,747 |
| Credit loss provision to net charge-offs | -681.8182% | 6,487 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.2001% | 1,170 |
| Assets per employee ($millions) | 4.1343% | 3,615 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7556% | 2,948 |
| Loan loss allowance to noncurrent loans | 67.5787% | 4,312 |
| Noncurrent assets plus other real estate owned to assets | 1.4193% | 3,474 |
| Noncurrent loans to loans | 2.5979% | 2,200 |
| Net loans and leases to total assets | 52.3542% | 4,998 |
| Net loans and leases to deposits | 58.7443% | 5,349 |
| Net loans and leases to core deposits | 67.0830% | 4,828 |
| Total domestic deposits to total assets | 89.1221% | 1,361 |
| Equity capital to assets | 9.4341% | 5,283 |
| Core capital (leverage) ratio | 8.2312% | 6,102 |
| Tier 1 risk-based capital ratio | 12.4910% | 5,652 |
| Total risk-based capital ratio | 13.7446% | 5,611 |
| Memoranda: | ||
| Average total assets | $448,611,250 | 1,486 |
| Average earning assets | $410,699,250 | 1,485 |
| Average equity | $39,600,000 | 1,771 |
| Average total loans | $225,704,250 | 1,816 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8061% | 2,485 |
| Cost of funding earning assets | 0.2863% | 6,780 |
| Net interest margin | 4.5198% | 958 |
| Noninterest income to average assets | 0.3730% | 4,854 |
| Noninterest expense to average assets | 4.1334% | 798 |
| Loan and lease loss provision to assets | 0.1991% | 3,092 |
| Net operating income to assets | 0.1951% | 5,929 |
| Return on assets (ROA) | 0.4283% | 5,346 |
| Pretax return on assets | 0.4291% | 5,635 |
| Return on Equity (ROE) | 4.9617% | 4,823 |
| Retained earnings to average equity (ytd only) | 4.9617% | 3,296 |
| Net charge-offs to loans | -0.0045% | 6,148 |
| Credit loss provision to net charge-offs | -9,000.0000% | 6,596 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.3025% | 1,130 |
| Assets per employee ($millions) | 3.9330% | 4,015 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7235% | 3,130 |
| Loan loss allowance to noncurrent loans | 66.4616% | 4,340 |
| Noncurrent assets plus other real estate owned to assets | 1.2916% | 3,843 |
| Noncurrent loans to loans | 2.5933% | 2,314 |
| Net loans and leases to total assets | 47.6661% | 5,647 |
| Net loans and leases to deposits | 52.5971% | 5,983 |
| Net loans and leases to core deposits | 60.5558% | 5,537 |
| Total domestic deposits to total assets | 90.6249% | 603 |
| Equity capital to assets | 8.9404% | 5,765 |
| Core capital (leverage) ratio | 7.9667% | 6,309 |
| Tier 1 risk-based capital ratio | 12.8224% | 5,321 |
| Total risk-based capital ratio | 14.0758% | 5,289 |
| Memoranda: | ||
| Average total assets | $452,069,000 | 1,474 |
| Average earning assets | $415,634,670 | 1,464 |
| Average equity | $39,018,670 | 1,781 |
| Average total loans | $223,093,670 | 1,820 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7588% | 2,816 |
| Cost of funding earning assets | 0.3158% | 6,795 |
| Net interest margin | 4.4430% | 1,123 |
| Noninterest income to average assets | 0.3266% | 5,254 |
| Noninterest expense to average assets | 4.0845% | 841 |
| Loan and lease loss provision to assets | 0.1991% | 2,946 |
| Net operating income to assets | 0.1274% | 6,178 |
| Return on assets (ROA) | 0.1283% | 6,303 |
| Pretax return on assets | 0.1283% | 6,338 |
| Return on Equity (ROE) | 1.5140% | 6,219 |
| Retained earnings to average equity (ytd only) | 1.5140% | 5,480 |
| Net charge-offs to loans | -0.0196% | 6,179 |
| Credit loss provision to net charge-offs | -2,045.4545% | 6,060 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.5698% | 1,045 |
| Assets per employee ($millions) | 3.6513% | 4,760 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6171% | 3,656 |
| Loan loss allowance to noncurrent loans | 65.0594% | 4,266 |
| Noncurrent assets plus other real estate owned to assets | 1.3075% | 3,941 |
| Noncurrent loans to loans | 2.4856% | 2,623 |
| Net loans and leases to total assets | 48.2527% | 5,521 |
| Net loans and leases to deposits | 53.3678% | 5,872 |
| Net loans and leases to core deposits | 62.4879% | 5,275 |
| Total domestic deposits to total assets | 90.4154% | 857 |
| Equity capital to assets | 8.6272% | 5,956 |
| Core capital (leverage) ratio | 7.5580% | 6,592 |
| Tier 1 risk-based capital ratio | 12.6638% | 5,474 |
| Total risk-based capital ratio | 13.9168% | 5,435 |
| Memoranda: | ||
| Average total assets | $451,955,500 | 1,476 |
| Average earning assets | $415,482,500 | 1,469 |
| Average equity | $38,309,500 | 1,812 |
| Average total loans | $224,954,000 | 1,824 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5313% | 4,951 |
| Cost of funding earning assets | 0.5856% | 6,159 |
| Net interest margin | 3.9457% | 3,132 |
| Noninterest income to average assets | 0.5842% | 3,257 |
| Noninterest expense to average assets | 4.8909% | 412 |
| Loan and lease loss provision to assets | 0.2324% | 3,881 |
| Net operating income to assets | -0.8527% | 6,676 |
| Return on assets (ROA) | -0.8499% | 6,706 |
| Pretax return on assets | -0.8480% | 6,667 |
| Return on Equity (ROE) | -9.0193% | 6,714 |
| Retained earnings to average equity (ytd only) | -9.0193% | 6,672 |
| Net charge-offs to loans | 0.3596% | 3,608 |
| Credit loss provision to net charge-offs | 127.1186% | 2,445 |
| Earnings coverage of net charge-offs (x) | -3.3814% | 6,334 |
| Efficiency ratio | 113.8635% | 367 |
| Assets per employee ($millions) | 3.5531% | 4,883 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4484% | 4,245 |
| Loan loss allowance to noncurrent loans | 50.7244% | 4,980 |
| Noncurrent assets plus other real estate owned to assets | 1.7878% | 3,269 |
| Noncurrent loans to loans | 2.8554% | 2,287 |
| Net loans and leases to total assets | 49.7608% | 5,619 |
| Net loans and leases to deposits | 54.7829% | 5,997 |
| Net loans and leases to core deposits | 65.0068% | 5,364 |
| Total domestic deposits to total assets | 90.8326% | 573 |
| Equity capital to assets | 8.3275% | 6,322 |
| Core capital (leverage) ratio | 7.2365% | 6,771 |
| Tier 1 risk-based capital ratio | 11.9984% | 5,840 |
| Total risk-based capital ratio | 13.2496% | 5,810 |
| Memoranda: | ||
| Average total assets | $258,135,000 | 2,447 |
| Average earning assets | $241,300,000 | 2,393 |
| Average equity | $24,325,600 | 2,635 |
| Average total loans | $131,262,000 | 2,964 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2776% | 6,013 |
| Cost of funding earning assets | 0.6902% | 5,825 |
| Net interest margin | 3.5874% | 4,824 |
| Noninterest income to average assets | 0.5621% | 3,432 |
| Noninterest expense to average assets | 4.5269% | 568 |
| Loan and lease loss provision to assets | 0.1914% | 4,112 |
| Net operating income to assets | -0.7733% | 6,784 |
| Return on assets (ROA) | -0.7707% | 6,820 |
| Pretax return on assets | -0.7676% | 6,768 |
| Return on Equity (ROE) | -7.6921% | 6,799 |
| Retained earnings to average equity (ytd only) | -7.6921% | 6,748 |
| Net charge-offs to loans | 0.4175% | 3,052 |
| Credit loss provision to net charge-offs | 89.8204% | 3,775 |
| Earnings coverage of net charge-offs (x) | -2.7156% | 6,054 |
| Efficiency ratio | 114.6574% | 365 |
| Assets per employee ($millions) | 3.2795% | 5,517 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8893% | 942 |
| Loan loss allowance to noncurrent loans | 127.9935% | 2,368 |
| Noncurrent assets plus other real estate owned to assets | 1.2053% | 4,383 |
| Noncurrent loans to loans | 2.2574% | 3,046 |
| Net loans and leases to total assets | 47.6855% | 5,994 |
| Net loans and leases to deposits | 54.1762% | 6,199 |
| Net loans and leases to core deposits | 72.9146% | 4,589 |
| Total domestic deposits to total assets | 88.0193% | 2,024 |
| Equity capital to assets | 11.2498% | 2,912 |
| Core capital (leverage) ratio | 11.0654% | 2,335 |
| Tier 1 risk-based capital ratio | 19.0087% | 1,935 |
| Total risk-based capital ratio | 20.2773% | 1,901 |
| Memoranda: | ||
| Average total assets | $208,969,750 | 2,968 |
| Average earning assets | $197,240,500 | 2,899 |
| Average equity | $20,938,750 | 3,019 |
| Average total loans | $106,668,500 | 3,492 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3154% | 5,970 |
| Cost of funding earning assets | 0.7417% | 5,721 |
| Net interest margin | 3.5737% | 4,820 |
| Noninterest income to average assets | 0.5277% | 3,644 |
| Noninterest expense to average assets | 4.3761% | 685 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | -0.4856% | 6,675 |
| Return on assets (ROA) | -0.4856% | 6,703 |
| Pretax return on assets | -0.4807% | 6,645 |
| Return on Equity (ROE) | -5.0727% | 6,724 |
| Retained earnings to average equity (ytd only) | -5.0727% | 6,577 |
| Net charge-offs to loans | 0.0303% | 5,417 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | -30.6875% | 5,852 |
| Efficiency ratio | 112.3398% | 437 |
| Assets per employee ($millions) | 3.2686% | 5,485 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9867% | 909 |
| Loan loss allowance to noncurrent loans | 97.1900% | 2,965 |
| Noncurrent assets plus other real estate owned to assets | 1.5410% | 3,890 |
| Noncurrent loans to loans | 3.0730% | 2,348 |
| Net loans and leases to total assets | 48.6482% | 5,981 |
| Net loans and leases to deposits | 54.0700% | 6,300 |
| Net loans and leases to core deposits | 73.5058% | 4,639 |
| Total domestic deposits to total assets | 89.9727% | 991 |
| Equity capital to assets | 9.4055% | 4,966 |
| Core capital (leverage) ratio | 9.4535% | 4,022 |
| Tier 1 risk-based capital ratio | 15.7069% | 3,122 |
| Total risk-based capital ratio | 16.9741% | 3,094 |
| Memoranda: | ||
| Average total assets | $204,290,000 | 3,051 |
| Average earning assets | $192,518,670 | 2,962 |
| Average equity | $19,555,670 | 3,191 |
| Average total loans | $105,722,330 | 3,546 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3955% | 5,711 |
| Cost of funding earning assets | 0.7967% | 5,590 |
| Net interest margin | 3.5988% | 4,572 |
| Noninterest income to average assets | 0.5594% | 3,438 |
| Noninterest expense to average assets | 4.3615% | 686 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -0.4176% | 6,749 |
| Return on assets (ROA) | -0.4176% | 6,760 |
| Pretax return on assets | -0.4176% | 6,697 |
| Return on Equity (ROE) | -4.3222% | 6,769 |
| Retained earnings to average equity (ytd only) | -4.3222% | 6,459 |
| Net charge-offs to loans | -0.1785% | 7,240 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.5876% | 491 |
| Assets per employee ($millions) | 3.0461% | 6,063 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0754% | 853 |
| Loan loss allowance to noncurrent loans | 238.0778% | 1,262 |
| Noncurrent assets plus other real estate owned to assets | 0.6780% | 5,593 |
| Noncurrent loans to loans | 1.2917% | 4,541 |
| Net loans and leases to total assets | 50.8707% | 5,727 |
| Net loans and leases to deposits | 56.6645% | 6,067 |
| Net loans and leases to core deposits | 78.7336% | 3,931 |
| Total domestic deposits to total assets | 89.7752% | 1,306 |
| Equity capital to assets | 9.5259% | 4,394 |
| Core capital (leverage) ratio | 9.8455% | 3,336 |
| Tier 1 risk-based capital ratio | 15.7194% | 3,043 |
| Total risk-based capital ratio | 16.9883% | 2,993 |
| Memoranda: | ||
| Average total assets | $200,205,000 | 3,112 |
| Average earning assets | $188,282,500 | 3,037 |
| Average equity | $19,342,000 | 3,216 |
| Average total loans | $105,313,500 | 3,592 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8218% | 5,340 |
| Cost of funding earning assets | 1.0568% | 5,386 |
| Net interest margin | 3.7650% | 4,086 |
| Noninterest income to average assets | 0.6584% | 3,094 |
| Noninterest expense to average assets | 4.2929% | 816 |
| Loan and lease loss provision to assets | 2.9858% | 322 |
| Net operating income to assets | -3.1130% | 7,318 |
| Return on assets (ROA) | -2.8571% | 7,283 |
| Pretax return on assets | -2.8576% | 7,261 |
| Return on Equity (ROE) | -27.2505% | 7,180 |
| Retained earnings to average equity (ytd only) | -27.2505% | 7,167 |
| Net charge-offs to loans | 6.8866% | 58 |
| Credit loss provision to net charge-offs | 71.2618% | 5,828 |
| Earnings coverage of net charge-offs (x) | -0.0305% | 6,158 |
| Efficiency ratio | 103.0651% | 693 |
| Assets per employee ($millions) | 3.2683% | 5,496 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0425% | 840 |
| Loan loss allowance to noncurrent loans | 160.4616% | 1,860 |
| Noncurrent assets plus other real estate owned to assets | 0.9997% | 5,002 |
| Noncurrent loans to loans | 1.8961% | 3,691 |
| Net loans and leases to total assets | 51.1178% | 6,032 |
| Net loans and leases to deposits | 57.2622% | 6,330 |
| Net loans and leases to core deposits | 75.4565% | 4,794 |
| Total domestic deposits to total assets | 89.2696% | 1,507 |
| Equity capital to assets | 9.7974% | 4,003 |
| Core capital (leverage) ratio | 10.1781% | 2,892 |
| Tier 1 risk-based capital ratio | 15.9328% | 2,783 |
| Total risk-based capital ratio | 17.2000% | 2,732 |
| Memoranda: | ||
| Average total assets | $194,252,600 | 3,173 |
| Average earning assets | $180,928,000 | 3,111 |
| Average equity | $20,366,600 | 3,096 |
| Average total loans | $118,186,000 | 3,354 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9704% | 4,947 |
| Cost of funding earning assets | 1.1022% | 5,403 |
| Net interest margin | 3.8682% | 3,665 |
| Noninterest income to average assets | 0.2556% | 6,071 |
| Noninterest expense to average assets | 4.1587% | 874 |
| Loan and lease loss provision to assets | 4.0074% | 160 |
| Net operating income to assets | -4.3169% | 7,595 |
| Return on assets (ROA) | -4.2768% | 7,604 |
| Pretax return on assets | -4.2768% | 7,588 |
| Return on Equity (ROE) | -40.1124% | 7,493 |
| Retained earnings to average equity (ytd only) | -40.1124% | 7,489 |
| Net charge-offs to loans | 8.5231% | 33 |
| Credit loss provision to net charge-offs | 74.7038% | 5,294 |
| Earnings coverage of net charge-offs (x) | -0.0577% | 6,077 |
| Efficiency ratio | 108.0416% | 560 |
| Assets per employee ($millions) | 3.4081% | 5,185 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3171% | 627 |
| Loan loss allowance to noncurrent loans | 90.4099% | 3,037 |
| Noncurrent assets plus other real estate owned to assets | 2.0344% | 3,425 |
| Noncurrent loans to loans | 3.6689% | 2,130 |
| Net loans and leases to total assets | 53.6093% | 5,902 |
| Net loans and leases to deposits | 62.1824% | 6,102 |
| Net loans and leases to core deposits | 84.8934% | 3,821 |
| Total domestic deposits to total assets | 86.2130% | 2,966 |
| Equity capital to assets | 10.5903% | 3,419 |
| Core capital (leverage) ratio | 10.2129% | 3,031 |
| Tier 1 risk-based capital ratio | 15.4767% | 3,010 |
| Total risk-based capital ratio | 16.7472% | 2,969 |
| Memoranda: | ||
| Average total assets | $192,973,500 | 3,242 |
| Average earning assets | $179,270,000 | 3,167 |
| Average equity | $20,575,000 | 3,104 |
| Average total loans | $121,454,750 | 3,342 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2033% | 3,939 |
| Cost of funding earning assets | 1.1433% | 5,447 |
| Net interest margin | 4.0600% | 2,750 |
| Noninterest income to average assets | 0.0364% | 7,405 |
| Noninterest expense to average assets | 4.2141% | 806 |
| Loan and lease loss provision to assets | 5.6611% | 83 |
| Net operating income to assets | -6.0765% | 7,740 |
| Return on assets (ROA) | -6.0163% | 7,742 |
| Pretax return on assets | -6.0163% | 7,731 |
| Return on Equity (ROE) | -56.2995% | 7,642 |
| Retained earnings to average equity (ytd only) | -56.2995% | 7,638 |
| Net charge-offs to loans | 11.5127% | 26 |
| Credit loss provision to net charge-offs | 75.1206% | 4,833 |
| Earnings coverage of net charge-offs (x) | -0.0551% | 5,765 |
| Efficiency ratio | 110.9379% | 531 |
| Assets per employee ($millions) | 3.5249% | 4,860 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4173% | 587 |
| Loan loss allowance to noncurrent loans | 125.4876% | 2,228 |
| Noncurrent assets plus other real estate owned to assets | 1.5624% | 4,118 |
| Noncurrent loans to loans | 2.7232% | 2,928 |
| Net loans and leases to total assets | 55.4136% | 5,798 |
| Net loans and leases to deposits | 64.7589% | 5,940 |
| Net loans and leases to core deposits | 95.5070% | 2,508 |
| Total domestic deposits to total assets | 85.5692% | 3,335 |
| Equity capital to assets | 10.9198% | 2,951 |
| Core capital (leverage) ratio | 10.0628% | 3,100 |
| Tier 1 risk-based capital ratio | 15.8043% | 2,759 |
| Total risk-based capital ratio | 17.0771% | 2,709 |
| Memoranda: | ||
| Average total assets | $192,543,670 | 3,271 |
| Average earning assets | $178,425,670 | 3,211 |
| Average equity | $20,575,670 | 3,099 |
| Average total loans | $126,034,330 | 3,276 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3287% | 3,401 |
| Cost of funding earning assets | 1.1909% | 5,453 |
| Net interest margin | 4.1378% | 2,279 |
| Noninterest income to average assets | 0.0764% | 7,322 |
| Noninterest expense to average assets | 4.2180% | 791 |
| Loan and lease loss provision to assets | 0.4131% | 2,893 |
| Net operating income to assets | -0.7292% | 6,969 |
| Return on assets (ROA) | -0.6094% | 6,937 |
| Pretax return on assets | -0.6094% | 6,851 |
| Return on Equity (ROE) | -5.7643% | 6,926 |
| Retained earnings to average equity (ytd only) | -5.7643% | 6,643 |
| Net charge-offs to loans | 1.9547% | 881 |
| Credit loss provision to net charge-offs | 30.4414% | 4,806 |
| Earnings coverage of net charge-offs (x) | -0.2329% | 5,177 |
| Efficiency ratio | 108.0995% | 639 |
| Assets per employee ($millions) | 3.5373% | 4,952 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8344% | 426 |
| Loan loss allowance to noncurrent loans | 118.4701% | 2,340 |
| Noncurrent assets plus other real estate owned to assets | 2.6857% | 2,714 |
| Noncurrent loans to loans | 3.2366% | 2,470 |
| Net loans and leases to total assets | 65.4870% | 3,991 |
| Net loans and leases to deposits | 76.7338% | 4,276 |
| Net loans and leases to core deposits | 113.5396% | 1,063 |
| Total domestic deposits to total assets | 85.3431% | 3,487 |
| Equity capital to assets | 10.4708% | 3,276 |
| Core capital (leverage) ratio | 10.2364% | 2,890 |
| Tier 1 risk-based capital ratio | 13.1677% | 4,231 |
| Total risk-based capital ratio | 14.4451% | 4,171 |
| Memoranda: | ||
| Average total assets | $193,644,000 | 3,310 |
| Average earning assets | $179,030,500 | 3,264 |
| Average equity | $20,471,000 | 3,136 |
| Average total loans | $134,447,500 | 3,177 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2007% | 5,651 |
| Cost of funding earning assets | 1.9041% | 3,444 |
| Net interest margin | 3.2966% | 5,763 |
| Noninterest income to average assets | 0.3726% | 5,426 |
| Noninterest expense to average assets | 3.7336% | 1,834 |
| Loan and lease loss provision to assets | 2.3694% | 858 |
| Net operating income to assets | -3.0564% | 7,406 |
| Return on assets (ROA) | -2.9407% | 7,392 |
| Pretax return on assets | -2.5494% | 7,158 |
| Return on Equity (ROE) | -26.3215% | 7,321 |
| Retained earnings to average equity (ytd only) | -26.3215% | 7,295 |
| Net charge-offs to loans | 2.3437% | 986 |
| Credit loss provision to net charge-offs | 146.0849% | 3,244 |
| Earnings coverage of net charge-offs (x) | -0.1823% | 6,422 |
| Efficiency ratio | 108.6014% | 828 |
| Assets per employee ($millions) | 3.4418% | 5,151 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0584% | 348 |
| Loan loss allowance to noncurrent loans | 93.9739% | 2,979 |
| Noncurrent assets plus other real estate owned to assets | 3.9126% | 1,696 |
| Noncurrent loans to loans | 4.3186% | 1,669 |
| Net loans and leases to total assets | 67.9025% | 3,722 |
| Net loans and leases to deposits | 79.5045% | 4,087 |
| Net loans and leases to core deposits | 117.2002% | 2,211 |
| Total domestic deposits to total assets | 85.4071% | 3,355 |
| Equity capital to assets | 10.6730% | 2,998 |
| Core capital (leverage) ratio | 9.5918% | 3,607 |
| Tier 1 risk-based capital ratio | 12.9401% | 4,180 |
| Total risk-based capital ratio | 14.2193% | 4,114 |
| Memoranda: | ||
| Average total assets | $213,387,400 | 3,028 |
| Average earning assets | $198,415,200 | 2,989 |
| Average equity | $23,839,800 | 2,746 |
| Average total loans | $147,670,200 | 2,959 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1725% | 5,997 |
| Cost of funding earning assets | 2.0252% | 3,231 |
| Net interest margin | 3.1473% | 6,190 |
| Noninterest income to average assets | 0.4576% | 4,847 |
| Noninterest expense to average assets | 3.4743% | 2,343 |
| Loan and lease loss provision to assets | 0.9493% | 2,028 |
| Net operating income to assets | -1.0347% | 6,862 |
| Return on assets (ROA) | -0.8846% | 6,754 |
| Pretax return on assets | -0.8846% | 6,599 |
| Return on Equity (ROE) | -7.8407% | 6,716 |
| Retained earnings to average equity (ytd only) | -7.8407% | 6,584 |
| Net charge-offs to loans | 1.7357% | 1,167 |
| Credit loss provision to net charge-offs | 79.4283% | 5,780 |
| Earnings coverage of net charge-offs (x) | -0.0715% | 6,149 |
| Efficiency ratio | 102.5203% | 961 |
| Assets per employee ($millions) | 3.7689% | 4,263 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4775% | 1,088 |
| Loan loss allowance to noncurrent loans | 46.8928% | 5,186 |
| Noncurrent assets plus other real estate owned to assets | 4.4700% | 1,375 |
| Noncurrent loans to loans | 5.2834% | 1,208 |
| Net loans and leases to total assets | 64.8438% | 4,686 |
| Net loans and leases to deposits | 82.4167% | 3,934 |
| Net loans and leases to core deposits | 124.5743% | 1,853 |
| Total domestic deposits to total assets | 78.6780% | 5,902 |
| Equity capital to assets | 11.7823% | 2,373 |
| Core capital (leverage) ratio | 11.3425% | 2,165 |
| Tier 1 risk-based capital ratio | 15.0254% | 3,027 |
| Total risk-based capital ratio | 16.2878% | 2,961 |
| Memoranda: | ||
| Average total assets | $218,549,750 | 2,981 |
| Average earning assets | $203,558,250 | 2,936 |
| Average equity | $24,657,000 | 2,665 |
| Average total loans | $150,485,250 | 2,939 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2038% | 6,065 |
| Cost of funding earning assets | 2.1943% | 2,821 |
| Net interest margin | 3.0094% | 6,526 |
| Noninterest income to average assets | 0.4049% | 5,244 |
| Noninterest expense to average assets | 3.5270% | 2,265 |
| Loan and lease loss provision to assets | 0.6197% | 2,573 |
| Net operating income to assets | -0.9363% | 6,922 |
| Return on assets (ROA) | -0.7189% | 6,772 |
| Pretax return on assets | -0.7189% | 6,614 |
| Return on Equity (ROE) | -6.4652% | 6,755 |
| Retained earnings to average equity (ytd only) | -6.4652% | 6,507 |
| Net charge-offs to loans | 1.5016% | 1,263 |
| Credit loss provision to net charge-offs | 59.2689% | 5,605 |
| Earnings coverage of net charge-offs (x) | -0.3029% | 5,956 |
| Efficiency ratio | 109.8639% | 854 |
| Assets per employee ($millions) | 3.8406% | 3,998 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2939% | 1,106 |
| Loan loss allowance to noncurrent loans | 76.5535% | 3,642 |
| Noncurrent assets plus other real estate owned to assets | 3.1327% | 2,005 |
| Noncurrent loans to loans | 2.9965% | 2,411 |
| Net loans and leases to total assets | 67.5915% | 4,236 |
| Net loans and leases to deposits | 91.3084% | 2,597 |
| Net loans and leases to core deposits | 145.5862% | 778 |
| Total domestic deposits to total assets | 74.0255% | 6,948 |
| Equity capital to assets | 11.6634% | 2,410 |
| Core capital (leverage) ratio | 11.1497% | 2,290 |
| Tier 1 risk-based capital ratio | 14.4743% | 3,265 |
| Total risk-based capital ratio | 15.7383% | 3,191 |
| Memoranda: | ||
| Average total assets | $219,789,670 | 2,980 |
| Average earning assets | $204,890,000 | 2,940 |
| Average equity | $24,438,670 | 2,704 |
| Average total loans | $153,032,670 | 2,926 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2030% | 6,283 |
| Cost of funding earning assets | 2.2842% | 2,770 |
| Net interest margin | 2.9188% | 6,703 |
| Noninterest income to average assets | 0.3578% | 5,582 |
| Noninterest expense to average assets | 3.3456% | 2,510 |
| Loan and lease loss provision to assets | 0.5449% | 2,294 |
| Net operating income to assets | -0.8010% | 7,127 |
| Return on assets (ROA) | -0.3669% | 6,829 |
| Pretax return on assets | -0.3669% | 6,722 |
| Return on Equity (ROE) | -3.3820% | 6,824 |
| Retained earnings to average equity (ytd only) | -3.3820% | 6,344 |
| Net charge-offs to loans | 0.5305% | 2,128 |
| Credit loss provision to net charge-offs | 147.0588% | 2,824 |
| Earnings coverage of net charge-offs (x) | -0.6912% | 5,300 |
| Efficiency ratio | 108.2892% | 857 |
| Assets per employee ($millions) | 4.0981% | 3,464 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6162% | 674 |
| Loan loss allowance to noncurrent loans | 95.7553% | 3,164 |
| Noncurrent assets plus other real estate owned to assets | 2.3527% | 2,438 |
| Noncurrent loans to loans | 2.7322% | 2,397 |
| Net loans and leases to total assets | 66.6859% | 4,416 |
| Net loans and leases to deposits | 92.5650% | 2,502 |
| Net loans and leases to core deposits | 148.9186% | 744 |
| Total domestic deposits to total assets | 72.0422% | 7,204 |
| Equity capital to assets | 11.6466% | 2,479 |
| Core capital (leverage) ratio | 11.6489% | 2,068 |
| Tier 1 risk-based capital ratio | 14.5830% | 3,266 |
| Total risk-based capital ratio | 15.8498% | 3,187 |
| Memoranda: | ||
| Average total assets | $220,227,000 | 2,983 |
| Average earning assets | $206,111,500 | 2,935 |
| Average equity | $23,891,500 | 2,781 |
| Average total loans | $153,828,000 | 2,942 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2821% | 4,059 |
| Cost of funding earning assets | 2.6282% | 3,539 |
| Net interest margin | 3.6539% | 4,658 |
| Noninterest income to average assets | 0.1826% | 7,142 |
| Noninterest expense to average assets | 3.6061% | 2,127 |
| Loan and lease loss provision to assets | 2.2400% | 511 |
| Net operating income to assets | -1.8258% | 7,565 |
| Return on assets (ROA) | -1.8258% | 7,519 |
| Pretax return on assets | -2.2669% | 7,525 |
| Return on Equity (ROE) | -17.4896% | 7,687 |
| Retained earnings to average equity (ytd only) | -17.4896% | 7,593 |
| Net charge-offs to loans | 1.0223% | 1,212 |
| Credit loss provision to net charge-offs | 292.1542% | 1,554 |
| Earnings coverage of net charge-offs (x) | -0.0351% | 6,271 |
| Efficiency ratio | 100.7519% | 953 |
| Assets per employee ($millions) | 3.5843% | 4,458 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5713% | 635 |
| Loan loss allowance to noncurrent loans | 103.1397% | 3,370 |
| Noncurrent assets plus other real estate owned to assets | 2.2492% | 2,163 |
| Noncurrent loans to loans | 2.4930% | 2,189 |
| Net loans and leases to total assets | 69.4551% | 4,154 |
| Net loans and leases to deposits | 102.1159% | 1,577 |
| Net loans and leases to core deposits | 137.6790% | 1,396 |
| Total domestic deposits to total assets | 68.0159% | 7,468 |
| Equity capital to assets | 10.0122% | 4,022 |
| Core capital (leverage) ratio | 9.4721% | 4,046 |
| Tier 1 risk-based capital ratio | 12.0009% | 4,827 |
| Total risk-based capital ratio | 13.2650% | 4,696 |
| Memoranda: | ||
| Average total assets | $189,510,600 | 3,277 |
| Average earning assets | $176,167,000 | 3,241 |
| Average equity | $19,783,200 | 3,266 |
| Average total loans | $142,136,400 | 3,058 |