Home > Peachtree Bank > Performance and Condition Ratios
Peachtree 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 | 3.1901% | 6,139 |
| Cost of funding earning assets | 0.1898% | 6,340 |
| Net interest margin | 3.0003% | 5,579 |
| Noninterest income to average assets | 1.1668% | 1,031 |
| Noninterest expense to average assets | 3.8008% | 1,133 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | -0.0111% | 6,227 |
| Return on assets (ROA) | -0.0111% | 6,263 |
| Pretax return on assets | -0.0111% | 6,241 |
| Return on Equity (ROE) | -0.1075% | 6,263 |
| Retained earnings to average equity (ytd only) | -0.1075% | 5,892 |
| Net charge-offs to loans | 0.2020% | 2,855 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | -0.1538% | 5,135 |
| Efficiency ratio | 100.2918% | 466 |
| Assets per employee ($millions) | 3.5956% | 4,692 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9419% | 5,784 |
| Loan loss allowance to noncurrent loans | 23.8701% | 6,098 |
| Noncurrent assets plus other real estate owned to assets | 1.3720% | 2,689 |
| Noncurrent loans to loans | 3.9458% | 739 |
| Net loans and leases to total assets | 32.9551% | 6,338 |
| Net loans and leases to deposits | 38.7064% | 6,345 |
| Net loans and leases to core deposits | 38.7064% | 6,399 |
| Total domestic deposits to total assets | 85.1411% | 3,671 |
| Equity capital to assets | 10.1939% | 3,515 |
| Core capital (leverage) ratio | 9.7742% | 3,877 |
| Tier 1 risk-based capital ratio | 19.7560% | 1,713 |
| Total risk-based capital ratio | 20.3982% | 1,838 |
| Memoranda: | ||
| Average total assets | $54,252,200 | 5,912 |
| Average earning assets | $47,428,600 | 5,953 |
| Average equity | $5,581,200 | 5,910 |
| Average total loans | $19,311,600 | 6,238 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2650% | 6,112 |
| Cost of funding earning assets | 0.1942% | 6,423 |
| Net interest margin | 3.0708% | 5,397 |
| Noninterest income to average assets | 1.1313% | 1,143 |
| Noninterest expense to average assets | 3.6712% | 1,285 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.1374% | 6,059 |
| Return on assets (ROA) | 0.1374% | 6,131 |
| Pretax return on assets | 0.1374% | 6,161 |
| Return on Equity (ROE) | 1.3327% | 6,111 |
| Retained earnings to average equity (ytd only) | 1.3327% | 5,448 |
| Net charge-offs to loans | 0.0814% | 3,790 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 4.6663% | 3,382 |
| Efficiency ratio | 96.3918% | 602 |
| Assets per employee ($millions) | 3.6500% | 4,557 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9881% | 5,775 |
| Loan loss allowance to noncurrent loans | 26.1682% | 6,097 |
| Noncurrent assets plus other real estate owned to assets | 1.4265% | 2,817 |
| Noncurrent loans to loans | 3.7760% | 970 |
| Net loans and leases to total assets | 35.8721% | 6,285 |
| Net loans and leases to deposits | 42.0350% | 6,301 |
| Net loans and leases to core deposits | 42.0350% | 6,386 |
| Total domestic deposits to total assets | 85.3388% | 3,568 |
| Equity capital to assets | 10.1845% | 3,661 |
| Core capital (leverage) ratio | 9.7245% | 4,068 |
| Tier 1 risk-based capital ratio | 19.0309% | 1,986 |
| Total risk-based capital ratio | 19.7402% | 2,117 |
| Memoranda: | ||
| Average total assets | $54,331,750 | 5,977 |
| Average earning assets | $47,370,000 | 6,022 |
| Average equity | $5,602,000 | 5,974 |
| Average total loans | $19,653,750 | 6,289 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2565% | 6,151 |
| Cost of funding earning assets | 0.2030% | 6,458 |
| Net interest margin | 3.0535% | 5,421 |
| Noninterest income to average assets | 1.1625% | 1,124 |
| Noninterest expense to average assets | 3.6500% | 1,336 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.1771% | 5,963 |
| Return on assets (ROA) | 0.1771% | 6,072 |
| Pretax return on assets | 0.1771% | 6,112 |
| Return on Equity (ROE) | 1.7110% | 6,039 |
| Retained earnings to average equity (ytd only) | 1.7110% | 5,156 |
| Net charge-offs to loans | 0.1123% | 3,240 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 4.3636% | 3,154 |
| Efficiency ratio | 95.3713% | 692 |
| Assets per employee ($millions) | 3.2114% | 5,456 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0321% | 5,702 |
| Loan loss allowance to noncurrent loans | 56.7723% | 4,936 |
| Noncurrent assets plus other real estate owned to assets | 0.8005% | 4,226 |
| Noncurrent loans to loans | 1.8179% | 2,614 |
| Net loans and leases to total assets | 34.6027% | 6,381 |
| Net loans and leases to deposits | 40.5639% | 6,385 |
| Net loans and leases to core deposits | 40.5639% | 6,448 |
| Total domestic deposits to total assets | 85.3042% | 3,740 |
| Equity capital to assets | 10.2246% | 3,634 |
| Core capital (leverage) ratio | 9.6699% | 3,984 |
| Tier 1 risk-based capital ratio | 18.9015% | 2,019 |
| Total risk-based capital ratio | 19.6046% | 2,156 |
| Memoranda: | ||
| Average total assets | $54,192,330 | 6,015 |
| Average earning assets | $47,290,000 | 6,065 |
| Average equity | $5,610,670 | 6,013 |
| Average total loans | $19,593,000 | 6,326 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2905% | 6,167 |
| Cost of funding earning assets | 0.2148% | 6,508 |
| Net interest margin | 3.0757% | 5,347 |
| Noninterest income to average assets | 1.1780% | 1,082 |
| Noninterest expense to average assets | 3.5265% | 1,568 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.3038% | 5,553 |
| Return on assets (ROA) | 0.3038% | 5,680 |
| Pretax return on assets | 0.3038% | 5,842 |
| Return on Equity (ROE) | 2.9156% | 5,618 |
| Retained earnings to average equity (ytd only) | 2.9156% | 4,535 |
| Net charge-offs to loans | 0.2016% | 2,209 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 4.1000% | 2,614 |
| Efficiency ratio | 92.0696% | 975 |
| Assets per employee ($millions) | 3.4021% | 5,197 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0007% | 5,983 |
| Loan loss allowance to noncurrent loans | 56.2500% | 4,882 |
| Noncurrent assets plus other real estate owned to assets | 0.8120% | 4,341 |
| Noncurrent loans to loans | 1.7789% | 2,894 |
| Net loans and leases to total assets | 35.9867% | 6,295 |
| Net loans and leases to deposits | 42.2723% | 6,302 |
| Net loans and leases to core deposits | 42.2723% | 6,393 |
| Total domestic deposits to total assets | 85.1306% | 3,973 |
| Equity capital to assets | 10.3593% | 3,722 |
| Core capital (leverage) ratio | 10.0922% | 3,282 |
| Tier 1 risk-based capital ratio | 18.5514% | 2,171 |
| Total risk-based capital ratio | 19.2376% | 2,335 |
| Memoranda: | ||
| Average total assets | $53,991,500 | 6,077 |
| Average earning assets | $46,558,500 | 6,140 |
| Average equity | $5,625,000 | 6,071 |
| Average total loans | $19,845,500 | 6,366 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0683% | 5,063 |
| Cost of funding earning assets | 0.2994% | 6,452 |
| Net interest margin | 3.7689% | 3,362 |
| Noninterest income to average assets | 1.1246% | 1,231 |
| Noninterest expense to average assets | 4.2538% | 716 |
| Loan and lease loss provision to assets | 0.2018% | 3,121 |
| Net operating income to assets | -0.2503% | 6,410 |
| Return on assets (ROA) | -0.2503% | 6,471 |
| Pretax return on assets | -0.2503% | 6,454 |
| Return on Equity (ROE) | -2.3615% | 6,474 |
| Retained earnings to average equity (ytd only) | -2.3615% | 6,209 |
| Net charge-offs to loans | 0.8998% | 1,267 |
| Credit loss provision to net charge-offs | 57.7540% | 4,506 |
| Earnings coverage of net charge-offs (x) | -0.1390% | 5,552 |
| Efficiency ratio | 101.1550% | 518 |
| Assets per employee ($millions) | 3.1499% | 5,738 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0450% | 5,779 |
| Loan loss allowance to noncurrent loans | 54.0260% | 4,921 |
| Noncurrent assets plus other real estate owned to assets | 0.8870% | 4,269 |
| Noncurrent loans to loans | 1.9343% | 2,767 |
| Net loans and leases to total assets | 36.7813% | 6,386 |
| Net loans and leases to deposits | 43.2708% | 6,409 |
| Net loans and leases to core deposits | 43.2708% | 6,494 |
| Total domestic deposits to total assets | 85.0025% | 3,865 |
| Equity capital to assets | 10.4783% | 3,549 |
| Core capital (leverage) ratio | 10.2133% | 3,123 |
| Tier 1 risk-based capital ratio | 18.8810% | 1,991 |
| Total risk-based capital ratio | 19.6102% | 2,111 |
| Memoranda: | ||
| Average total assets | $53,528,800 | 6,101 |
| Average earning assets | $43,752,800 | 6,243 |
| Average equity | $5,674,400 | 6,109 |
| Average total loans | $20,782,600 | 6,388 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2474% | 4,657 |
| Cost of funding earning assets | 0.3085% | 6,569 |
| Net interest margin | 3.9389% | 2,761 |
| Noninterest income to average assets | 1.0811% | 1,287 |
| Noninterest expense to average assets | 4.2497% | 689 |
| Loan and lease loss provision to assets | 0.2690% | 2,423 |
| Net operating income to assets | -0.2566% | 6,537 |
| Return on assets (ROA) | -0.2566% | 6,604 |
| Pretax return on assets | -0.2566% | 6,573 |
| Return on Equity (ROE) | -2.4134% | 6,595 |
| Retained earnings to average equity (ytd only) | -2.4134% | 6,437 |
| Net charge-offs to loans | 1.1872% | 831 |
| Credit loss provision to net charge-offs | 57.7540% | 4,213 |
| Earnings coverage of net charge-offs (x) | 0.0268% | 5,319 |
| Efficiency ratio | 99.7078% | 546 |
| Assets per employee ($millions) | 2.9601% | 6,112 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0244% | 5,987 |
| Loan loss allowance to noncurrent loans | 37.4101% | 5,779 |
| Noncurrent assets plus other real estate owned to assets | 1.2124% | 3,866 |
| Noncurrent loans to loans | 2.7384% | 2,068 |
| Net loans and leases to total assets | 37.7163% | 6,433 |
| Net loans and leases to deposits | 44.4543% | 6,479 |
| Net loans and leases to core deposits | 44.4543% | 6,579 |
| Total domestic deposits to total assets | 84.8429% | 3,819 |
| Equity capital to assets | 10.6528% | 3,666 |
| Core capital (leverage) ratio | 10.0465% | 3,479 |
| Tier 1 risk-based capital ratio | 18.7672% | 2,082 |
| Total risk-based capital ratio | 19.4899% | 2,233 |
| Memoranda: | ||
| Average total assets | $53,523,750 | 6,172 |
| Average earning assets | $43,225,250 | 6,333 |
| Average equity | $5,690,250 | 6,173 |
| Average total loans | $21,002,250 | 6,464 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2702% | 4,687 |
| Cost of funding earning assets | 0.3096% | 6,695 |
| Net interest margin | 3.9606% | 2,676 |
| Noninterest income to average assets | 1.1753% | 1,034 |
| Noninterest expense to average assets | 4.3541% | 621 |
| Loan and lease loss provision to assets | 0.2910% | 2,252 |
| Net operating income to assets | -0.2239% | 6,565 |
| Return on assets (ROA) | -0.2239% | 6,627 |
| Pretax return on assets | -0.2239% | 6,600 |
| Return on Equity (ROE) | -2.1071% | 6,627 |
| Retained earnings to average equity (ytd only) | -2.1071% | 6,371 |
| Net charge-offs to loans | 0.7441% | 1,483 |
| Credit loss provision to net charge-offs | 98.7342% | 2,809 |
| Earnings coverage of net charge-offs (x) | 0.2278% | 4,957 |
| Efficiency ratio | 98.4810% | 608 |
| Assets per employee ($millions) | 2.8782% | 6,271 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3628% | 4,599 |
| Loan loss allowance to noncurrent loans | 51.3465% | 5,039 |
| Noncurrent assets plus other real estate owned to assets | 1.3495% | 3,736 |
| Noncurrent loans to loans | 2.6542% | 2,264 |
| Net loans and leases to total assets | 37.8532% | 6,490 |
| Net loans and leases to deposits | 44.3996% | 6,531 |
| Net loans and leases to core deposits | 44.3996% | 6,646 |
| Total domestic deposits to total assets | 85.2556% | 3,736 |
| Equity capital to assets | 10.4160% | 3,790 |
| Core capital (leverage) ratio | 10.1569% | 3,195 |
| Tier 1 risk-based capital ratio | 18.1855% | 2,235 |
| Total risk-based capital ratio | 19.1408% | 2,295 |
| Memoranda: | ||
| Average total assets | $53,604,330 | 6,205 |
| Average earning assets | $43,932,330 | 6,351 |
| Average equity | $5,695,000 | 6,196 |
| Average total loans | $21,235,000 | 6,501 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2976% | 4,746 |
| Cost of funding earning assets | 0.3278% | 6,735 |
| Net interest margin | 3.9699% | 2,630 |
| Noninterest income to average assets | 1.3041% | 837 |
| Noninterest expense to average assets | 4.6661% | 470 |
| Loan and lease loss provision to assets | 0.3241% | 1,937 |
| Net operating income to assets | -0.3995% | 6,771 |
| Return on assets (ROA) | -0.3995% | 6,806 |
| Pretax return on assets | -0.3995% | 6,785 |
| Return on Equity (ROE) | -3.7229% | 6,790 |
| Retained earnings to average equity (ytd only) | -3.7229% | 6,466 |
| Net charge-offs to loans | 1.0487% | 990 |
| Credit loss provision to net charge-offs | 76.7857% | 2,785 |
| Earnings coverage of net charge-offs (x) | -0.1786% | 4,428 |
| Efficiency ratio | 101.6420% | 502 |
| Assets per employee ($millions) | 2.7981% | 6,500 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2850% | 5,089 |
| Loan loss allowance to noncurrent loans | 47.1601% | 5,242 |
| Noncurrent assets plus other real estate owned to assets | 1.4521% | 3,691 |
| Noncurrent loans to loans | 2.7248% | 2,392 |
| Net loans and leases to total assets | 39.5926% | 6,377 |
| Net loans and leases to deposits | 46.6005% | 6,382 |
| Net loans and leases to core deposits | 46.6005% | 6,531 |
| Total domestic deposits to total assets | 84.9616% | 4,063 |
| Equity capital to assets | 10.6877% | 3,284 |
| Core capital (leverage) ratio | 10.4441% | 2,817 |
| Tier 1 risk-based capital ratio | 18.1668% | 2,232 |
| Total risk-based capital ratio | 19.0699% | 2,332 |
| Memoranda: | ||
| Average total assets | $53,064,000 | 6,264 |
| Average earning assets | $43,931,000 | 6,401 |
| Average equity | $5,694,500 | 6,227 |
| Average total loans | $21,359,500 | 6,538 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3955% | 5,445 |
| Cost of funding earning assets | 0.4667% | 6,670 |
| Net interest margin | 3.9288% | 3,212 |
| Noninterest income to average assets | 1.1071% | 1,083 |
| Noninterest expense to average assets | 3.9343% | 1,137 |
| Loan and lease loss provision to assets | 0.0811% | 5,601 |
| Net operating income to assets | 0.3552% | 5,047 |
| Return on assets (ROA) | 0.3552% | 5,217 |
| Pretax return on assets | 0.3552% | 5,418 |
| Return on Equity (ROE) | 3.5091% | 5,067 |
| Retained earnings to average equity (ytd only) | 3.5091% | 3,726 |
| Net charge-offs to loans | 1.1901% | 1,416 |
| Credit loss provision to net charge-offs | 15.9011% | 5,959 |
| Earnings coverage of net charge-offs (x) | 0.8551% | 5,156 |
| Efficiency ratio | 90.0165% | 1,193 |
| Assets per employee ($millions) | 2.4075% | 6,911 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3414% | 4,701 |
| Loan loss allowance to noncurrent loans | 45.7006% | 5,269 |
| Noncurrent assets plus other real estate owned to assets | 1.9881% | 2,982 |
| Noncurrent loans to loans | 2.9351% | 2,219 |
| Net loans and leases to total assets | 39.8554% | 6,551 |
| Net loans and leases to deposits | 46.9945% | 6,566 |
| Net loans and leases to core deposits | 46.9945% | 6,690 |
| Total domestic deposits to total assets | 84.8085% | 3,953 |
| Equity capital to assets | 10.7752% | 3,221 |
| Core capital (leverage) ratio | 10.3798% | 2,866 |
| Tier 1 risk-based capital ratio | 17.9101% | 2,227 |
| Total risk-based capital ratio | 18.8406% | 2,318 |
| Memoranda: | ||
| Average total assets | $55,461,600 | 6,184 |
| Average earning assets | $46,070,000 | 6,328 |
| Average equity | $5,614,000 | 6,258 |
| Average total loans | $23,780,200 | 6,473 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4026% | 5,594 |
| Cost of funding earning assets | 0.4959% | 6,710 |
| Net interest margin | 3.9068% | 3,347 |
| Noninterest income to average assets | 1.1435% | 1,007 |
| Noninterest expense to average assets | 4.0009% | 1,000 |
| Loan and lease loss provision to assets | 0.0238% | 6,151 |
| Net operating income to assets | 0.3590% | 5,169 |
| Return on assets (ROA) | 0.3590% | 5,355 |
| Pretax return on assets | 0.3590% | 5,578 |
| Return on Equity (ROE) | 3.6011% | 5,174 |
| Retained earnings to average equity (ytd only) | 3.6011% | 4,183 |
| Net charge-offs to loans | 0.9353% | 1,722 |
| Credit loss provision to net charge-offs | 5.8480% | 5,699 |
| Earnings coverage of net charge-offs (x) | 0.9415% | 4,915 |
| Efficiency ratio | 91.2690% | 1,087 |
| Assets per employee ($millions) | 2.5179% | 6,866 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6324% | 3,515 |
| Loan loss allowance to noncurrent loans | 23.0818% | 6,576 |
| Noncurrent assets plus other real estate owned to assets | 3.2567% | 1,949 |
| Noncurrent loans to loans | 7.0724% | 700 |
| Net loans and leases to total assets | 39.5963% | 6,665 |
| Net loans and leases to deposits | 46.7228% | 6,703 |
| Net loans and leases to core deposits | 46.7228% | 6,817 |
| Total domestic deposits to total assets | 84.7474% | 3,891 |
| Equity capital to assets | 10.2610% | 4,008 |
| Core capital (leverage) ratio | 9.9723% | 3,477 |
| Tier 1 risk-based capital ratio | 17.0574% | 2,627 |
| Total risk-based capital ratio | 18.1860% | 2,637 |
| Memoranda: | ||
| Average total assets | $56,086,000 | 6,210 |
| Average earning assets | $46,516,500 | 6,366 |
| Average equity | $5,590,750 | 6,306 |
| Average total loans | $24,376,250 | 6,512 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4590% | 5,492 |
| Cost of funding earning assets | 0.5279% | 6,754 |
| Net interest margin | 3.9311% | 3,166 |
| Noninterest income to average assets | 1.1577% | 956 |
| Noninterest expense to average assets | 4.0592% | 959 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.3516% | 5,168 |
| Return on assets (ROA) | 0.3516% | 5,302 |
| Pretax return on assets | 0.3516% | 5,541 |
| Return on Equity (ROE) | 3.5614% | 5,128 |
| Retained earnings to average equity (ytd only) | 3.5614% | 3,970 |
| Net charge-offs to loans | -0.3271% | 7,355 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.0290% | 1,095 |
| Assets per employee ($millions) | 2.4933% | 6,914 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3359% | 1,684 |
| Loan loss allowance to noncurrent loans | 21.6941% | 6,659 |
| Noncurrent assets plus other real estate owned to assets | 5.8084% | 981 |
| Noncurrent loans to loans | 10.7672% | 336 |
| Net loans and leases to total assets | 43.1434% | 6,508 |
| Net loans and leases to deposits | 50.9144% | 6,538 |
| Net loans and leases to core deposits | 50.9144% | 6,715 |
| Total domestic deposits to total assets | 84.7371% | 4,001 |
| Equity capital to assets | 10.2859% | 3,766 |
| Core capital (leverage) ratio | 9.5912% | 3,818 |
| Tier 1 risk-based capital ratio | 16.2266% | 2,871 |
| Total risk-based capital ratio | 17.4690% | 2,841 |
| Memoranda: | ||
| Average total assets | $56,316,670 | 6,252 |
| Average earning assets | $46,602,330 | 6,420 |
| Average equity | $5,559,670 | 6,352 |
| Average total loans | $25,069,000 | 6,536 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5019% | 5,333 |
| Cost of funding earning assets | 0.5850% | 6,669 |
| Net interest margin | 3.9169% | 3,063 |
| Noninterest income to average assets | 1.0798% | 1,129 |
| Noninterest expense to average assets | 4.2420% | 780 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.0771% | 6,152 |
| Return on assets (ROA) | 0.0771% | 6,208 |
| Pretax return on assets | 0.0771% | 6,220 |
| Return on Equity (ROE) | 0.7973% | 6,194 |
| Retained earnings to average equity (ytd only) | 0.7973% | 5,507 |
| Net charge-offs to loans | 0.1883% | 3,373 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 0.9167% | 3,966 |
| Efficiency ratio | 98.2143% | 822 |
| Assets per employee ($millions) | 2.3533% | 7,141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0416% | 2,307 |
| Loan loss allowance to noncurrent loans | 17.5565% | 6,854 |
| Noncurrent assets plus other real estate owned to assets | 5.9545% | 978 |
| Noncurrent loans to loans | 11.6289% | 301 |
| Net loans and leases to total assets | 43.5816% | 6,504 |
| Net loans and leases to deposits | 50.9944% | 6,546 |
| Net loans and leases to core deposits | 50.9944% | 6,731 |
| Total domestic deposits to total assets | 85.4634% | 3,804 |
| Equity capital to assets | 9.7861% | 4,051 |
| Core capital (leverage) ratio | 9.2537% | 4,208 |
| Tier 1 risk-based capital ratio | 15.2356% | 3,297 |
| Total risk-based capital ratio | 16.4751% | 3,260 |
| Memoranda: | ||
| Average total assets | $57,049,000 | 6,285 |
| Average earning assets | $47,180,500 | 6,441 |
| Average equity | $5,518,500 | 6,385 |
| Average total loans | $25,488,000 | 6,560 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8388% | 5,280 |
| Cost of funding earning assets | 0.9211% | 6,075 |
| Net interest margin | 3.9178% | 3,406 |
| Noninterest income to average assets | 0.9748% | 1,587 |
| Noninterest expense to average assets | 3.6855% | 1,737 |
| Loan and lease loss provision to assets | 1.0189% | 1,591 |
| Net operating income to assets | -0.8129% | 6,586 |
| Return on assets (ROA) | -0.8129% | 6,612 |
| Pretax return on assets | -0.4591% | 6,292 |
| Return on Equity (ROE) | -8.6172% | 6,653 |
| Retained earnings to average equity (ytd only) | -8.6172% | 6,569 |
| Net charge-offs to loans | 2.7043% | 669 |
| Credit loss provision to net charge-offs | 82.8645% | 5,451 |
| Earnings coverage of net charge-offs (x) | 0.4552% | 5,653 |
| Efficiency ratio | 86.8148% | 1,585 |
| Assets per employee ($millions) | 2.4008% | 7,131 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0310% | 2,221 |
| Loan loss allowance to noncurrent loans | 19.7294% | 6,821 |
| Noncurrent assets plus other real estate owned to assets | 5.3835% | 1,154 |
| Noncurrent loans to loans | 10.2944% | 401 |
| Net loans and leases to total assets | 43.9500% | 6,715 |
| Net loans and leases to deposits | 51.2403% | 6,796 |
| Net loans and leases to core deposits | 51.5627% | 6,923 |
| Total domestic deposits to total assets | 85.7723% | 3,465 |
| Equity capital to assets | 9.5627% | 4,322 |
| Core capital (leverage) ratio | 8.6653% | 5,082 |
| Tier 1 risk-based capital ratio | 15.2720% | 3,118 |
| Total risk-based capital ratio | 16.5177% | 3,068 |
| Memoranda: | ||
| Average total assets | $63,600,600 | 6,072 |
| Average earning assets | $53,091,200 | 6,249 |
| Average equity | $5,999,600 | 6,367 |
| Average total loans | $28,916,400 | 6,450 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8650% | 5,418 |
| Cost of funding earning assets | 0.9408% | 6,223 |
| Net interest margin | 3.9243% | 3,430 |
| Noninterest income to average assets | 0.8131% | 2,162 |
| Noninterest expense to average assets | 3.6725% | 1,629 |
| Loan and lease loss provision to assets | 0.8050% | 1,887 |
| Net operating income to assets | -0.3400% | 6,465 |
| Return on assets (ROA) | -0.3400% | 6,513 |
| Pretax return on assets | -0.3748% | 6,472 |
| Return on Equity (ROE) | -3.6153% | 6,546 |
| Retained earnings to average equity (ytd only) | -3.6153% | 6,420 |
| Net charge-offs to loans | 1.2083% | 1,687 |
| Credit loss provision to net charge-offs | 146.0967% | 2,691 |
| Earnings coverage of net charge-offs (x) | 0.7807% | 5,274 |
| Efficiency ratio | 89.5157% | 1,324 |
| Assets per employee ($millions) | 2.5412% | 7,023 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8539% | 955 |
| Loan loss allowance to noncurrent loans | 41.5826% | 5,520 |
| Noncurrent assets plus other real estate owned to assets | 4.1004% | 1,684 |
| Noncurrent loans to loans | 6.8632% | 834 |
| Net loans and leases to total assets | 41.9534% | 6,980 |
| Net loans and leases to deposits | 49.5538% | 7,017 |
| Net loans and leases to core deposits | 49.8401% | 7,129 |
| Total domestic deposits to total assets | 84.6624% | 3,796 |
| Equity capital to assets | 9.3578% | 5,041 |
| Core capital (leverage) ratio | 7.9151% | 6,449 |
| Tier 1 risk-based capital ratio | 13.2564% | 4,385 |
| Total risk-based capital ratio | 14.5027% | 4,354 |
| Memoranda: | ||
| Average total assets | $65,095,750 | 6,095 |
| Average earning assets | $54,564,750 | 6,259 |
| Average equity | $6,122,000 | 6,410 |
| Average total loans | $29,683,250 | 6,504 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9689% | 5,089 |
| Cost of funding earning assets | 0.9748% | 6,263 |
| Net interest margin | 3.9941% | 3,048 |
| Noninterest income to average assets | 1.2984% | 754 |
| Noninterest expense to average assets | 3.5509% | 1,908 |
| Loan and lease loss provision to assets | 0.8931% | 1,631 |
| Net operating income to assets | 0.2408% | 5,403 |
| Return on assets (ROA) | 0.2408% | 5,549 |
| Pretax return on assets | 0.1890% | 5,793 |
| Return on Equity (ROE) | 2.5562% | 5,433 |
| Retained earnings to average equity (ytd only) | 2.5562% | 4,521 |
| Net charge-offs to loans | 1.4064% | 1,355 |
| Credit loss provision to net charge-offs | 136.9159% | 2,930 |
| Earnings coverage of net charge-offs (x) | 1.6589% | 4,260 |
| Efficiency ratio | 76.6447% | 2,962 |
| Assets per employee ($millions) | 2.5919% | 6,964 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5951% | 1,198 |
| Loan loss allowance to noncurrent loans | 64.5669% | 4,111 |
| Noncurrent assets plus other real estate owned to assets | 2.7578% | 2,624 |
| Noncurrent loans to loans | 4.0193% | 1,884 |
| Net loans and leases to total assets | 42.7482% | 6,996 |
| Net loans and leases to deposits | 50.6862% | 7,041 |
| Net loans and leases to core deposits | 51.2242% | 7,164 |
| Total domestic deposits to total assets | 84.3390% | 3,937 |
| Equity capital to assets | 9.5404% | 4,646 |
| Core capital (leverage) ratio | 8.0626% | 6,177 |
| Tier 1 risk-based capital ratio | 13.6125% | 3,998 |
| Total risk-based capital ratio | 14.8595% | 3,960 |
| Memoranda: | ||
| Average total assets | $65,617,670 | 6,120 |
| Average earning assets | $54,780,670 | 6,292 |
| Average equity | $6,181,000 | 6,413 |
| Average total loans | $30,432,330 | 6,506 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2145% | 3,944 |
| Cost of funding earning assets | 1.0239% | 6,261 |
| Net interest margin | 4.1906% | 2,080 |
| Noninterest income to average assets | 1.4963% | 536 |
| Noninterest expense to average assets | 3.4349% | 2,140 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.0359% | 2,052 |
| Return on assets (ROA) | 1.0359% | 2,112 |
| Pretax return on assets | 1.5327% | 1,438 |
| Return on Equity (ROE) | 11.0671% | 1,770 |
| Retained earnings to average equity (ytd only) | 11.0671% | 906 |
| Net charge-offs to loans | -0.0382% | 7,268 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1463% | 4,482 |
| Assets per employee ($millions) | 2.6483% | 6,957 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1850% | 1,785 |
| Loan loss allowance to noncurrent loans | 57.4653% | 4,505 |
| Noncurrent assets plus other real estate owned to assets | 2.7127% | 2,683 |
| Noncurrent loans to loans | 3.8024% | 2,078 |
| Net loans and leases to total assets | 44.7611% | 6,923 |
| Net loans and leases to deposits | 53.0504% | 6,979 |
| Net loans and leases to core deposits | 53.6002% | 7,130 |
| Total domestic deposits to total assets | 84.3748% | 3,965 |
| Equity capital to assets | 9.4688% | 4,583 |
| Core capital (leverage) ratio | 9.0715% | 4,436 |
| Tier 1 risk-based capital ratio | 14.7354% | 3,238 |
| Total risk-based capital ratio | 15.9814% | 3,202 |
| Memoranda: | ||
| Average total assets | $66,027,500 | 6,172 |
| Average earning assets | $54,694,000 | 6,370 |
| Average equity | $6,180,500 | 6,460 |
| Average total loans | $31,429,500 | 6,549 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8830% | 2,311 |
| Cost of funding earning assets | 1.5048% | 5,493 |
| Net interest margin | 4.3781% | 1,494 |
| Noninterest income to average assets | 1.0610% | 1,372 |
| Noninterest expense to average assets | 7.9481% | 150 |
| Loan and lease loss provision to assets | 0.5327% | 3,709 |
| Net operating income to assets | -3.9167% | 7,587 |
| Return on assets (ROA) | -4.1355% | 7,626 |
| Pretax return on assets | -4.0060% | 7,526 |
| Return on Equity (ROE) | -35.7198% | 7,500 |
| Retained earnings to average equity (ytd only) | -35.7198% | 7,487 |
| Net charge-offs to loans | 2.6494% | 848 |
| Credit loss provision to net charge-offs | 37.0984% | 6,855 |
| Earnings coverage of net charge-offs (x) | -2.2663% | 7,021 |
| Efficiency ratio | 74.2866% | 3,838 |
| Assets per employee ($millions) | 2.7437% | 6,772 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0238% | 1,971 |
| Loan loss allowance to noncurrent loans | 45.0444% | 5,400 |
| Noncurrent assets plus other real estate owned to assets | 3.3744% | 2,016 |
| Noncurrent loans to loans | 4.4930% | 1,585 |
| Net loans and leases to total assets | 48.4495% | 6,774 |
| Net loans and leases to deposits | 57.3826% | 6,820 |
| Net loans and leases to core deposits | 63.5860% | 7,114 |
| Total domestic deposits to total assets | 84.4323% | 3,830 |
| Equity capital to assets | 9.2516% | 4,767 |
| Core capital (leverage) ratio | 8.6335% | 5,045 |
| Tier 1 risk-based capital ratio | 13.9727% | 3,515 |
| Total risk-based capital ratio | 15.2188% | 3,473 |
| Memoranda: | ||
| Average total assets | $67,198,600 | 6,102 |
| Average earning assets | $55,754,200 | 6,306 |
| Average equity | $7,780,000 | 6,002 |
| Average total loans | $36,423,600 | 6,284 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9480% | 2,238 |
| Cost of funding earning assets | 1.5784% | 5,499 |
| Net interest margin | 4.3695% | 1,531 |
| Noninterest income to average assets | 1.0384% | 1,470 |
| Noninterest expense to average assets | 9.3735% | 111 |
| Loan and lease loss provision to assets | 0.0987% | 6,379 |
| Net operating income to assets | -5.0717% | 7,849 |
| Return on assets (ROA) | -5.3619% | 7,872 |
| Pretax return on assets | -5.0678% | 7,819 |
| Return on Equity (ROE) | -44.1507% | 7,790 |
| Retained earnings to average equity (ytd only) | -44.1507% | 7,786 |
| Net charge-offs to loans | 1.8864% | 1,066 |
| Credit loss provision to net charge-offs | 9.4518% | 6,619 |
| Earnings coverage of net charge-offs (x) | -4.4801% | 6,846 |
| Efficiency ratio | 73.5913% | 3,941 |
| Assets per employee ($millions) | 2.8130% | 6,630 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2399% | 1,365 |
| Loan loss allowance to noncurrent loans | 90.3559% | 3,039 |
| Noncurrent assets plus other real estate owned to assets | 1.8086% | 3,642 |
| Noncurrent loans to loans | 2.4790% | 3,044 |
| Net loans and leases to total assets | 50.8776% | 6,709 |
| Net loans and leases to deposits | 60.3698% | 6,804 |
| Net loans and leases to core deposits | 66.5982% | 7,136 |
| Total domestic deposits to total assets | 84.2766% | 3,592 |
| Equity capital to assets | 9.1467% | 5,266 |
| Core capital (leverage) ratio | 8.6679% | 5,188 |
| Tier 1 risk-based capital ratio | 14.4310% | 3,313 |
| Total risk-based capital ratio | 15.6898% | 3,254 |
| Memoranda: | ||
| Average total assets | $67,536,250 | 6,123 |
| Average earning assets | $56,511,000 | 6,314 |
| Average equity | $8,202,000 | 5,912 |
| Average total loans | $37,389,000 | 6,266 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1457% | 1,635 |
| Cost of funding earning assets | 1.6621% | 5,460 |
| Net interest margin | 4.4835% | 1,206 |
| Noninterest income to average assets | 1.0067% | 1,574 |
| Noninterest expense to average assets | 3.4910% | 2,362 |
| Loan and lease loss provision to assets | 0.1481% | 5,599 |
| Net operating income to assets | 0.6132% | 3,625 |
| Return on assets (ROA) | 0.3346% | 4,852 |
| Pretax return on assets | 0.6544% | 4,150 |
| Return on Equity (ROE) | 2.5457% | 5,083 |
| Retained earnings to average equity (ytd only) | 2.5457% | 3,913 |
| Net charge-offs to loans | 2.7949% | 590 |
| Credit loss provision to net charge-offs | 9.3809% | 6,191 |
| Earnings coverage of net charge-offs (x) | 0.7842% | 4,947 |
| Efficiency ratio | 73.8259% | 4,057 |
| Assets per employee ($millions) | 2.7420% | 6,751 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1487% | 1,319 |
| Loan loss allowance to noncurrent loans | 120.6471% | 2,443 |
| Noncurrent assets plus other real estate owned to assets | 1.4077% | 4,144 |
| Noncurrent loans to loans | 1.7810% | 3,831 |
| Net loans and leases to total assets | 52.0153% | 6,692 |
| Net loans and leases to deposits | 64.7826% | 6,493 |
| Net loans and leases to core deposits | 71.6954% | 6,917 |
| Total domestic deposits to total assets | 80.2920% | 5,355 |
| Equity capital to assets | 12.9947% | 1,692 |
| Core capital (leverage) ratio | 8.8734% | 4,827 |
| Tier 1 risk-based capital ratio | 12.0589% | 4,866 |
| Total risk-based capital ratio | 13.3039% | 4,791 |
| Memoranda: | ||
| Average total assets | $67,544,670 | 6,170 |
| Average earning assets | $56,072,000 | 6,381 |
| Average equity | $8,877,670 | 5,728 |
| Average total loans | $38,140,330 | 6,290 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8818% | 2,888 |
| Cost of funding earning assets | 1.7229% | 5,507 |
| Net interest margin | 4.1589% | 2,053 |
| Noninterest income to average assets | 1.0024% | 1,477 |
| Noninterest expense to average assets | 3.3352% | 2,551 |
| Loan and lease loss provision to assets | 0.2983% | 3,561 |
| Net operating income to assets | 0.6682% | 3,717 |
| Return on assets (ROA) | 0.6682% | 3,890 |
| Pretax return on assets | 0.8830% | 3,778 |
| Return on Equity (ROE) | 5.0550% | 4,454 |
| Retained earnings to average equity (ytd only) | 5.0550% | 3,090 |
| Net charge-offs to loans | 5.3244% | 190 |
| Credit loss provision to net charge-offs | 9.6339% | 5,204 |
| Earnings coverage of net charge-offs (x) | 0.3815% | 4,676 |
| Efficiency ratio | 73.8441% | 3,855 |
| Assets per employee ($millions) | 2.6993% | 6,887 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0714% | 1,288 |
| Loan loss allowance to noncurrent loans | 122.8043% | 2,549 |
| Noncurrent assets plus other real estate owned to assets | 1.4300% | 3,791 |
| Noncurrent loans to loans | 1.6868% | 3,723 |
| Net loans and leases to total assets | 55.8348% | 6,259 |
| Net loans and leases to deposits | 69.9937% | 5,979 |
| Net loans and leases to core deposits | 77.9829% | 6,539 |
| Total domestic deposits to total assets | 79.7712% | 5,445 |
| Equity capital to assets | 13.2285% | 1,641 |
| Core capital (leverage) ratio | 9.0411% | 4,637 |
| Tier 1 risk-based capital ratio | 12.6248% | 4,452 |
| Total risk-based capital ratio | 13.8675% | 4,377 |
| Memoranda: | ||
| Average total assets | $67,041,500 | 6,213 |
| Average earning assets | $56,649,500 | 6,391 |
| Average equity | $8,862,500 | 5,752 |
| Average total loans | $38,990,500 | 6,278 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6334% | 2,322 |
| Cost of funding earning assets | 2.1742% | 5,708 |
| Net interest margin | 4.4593% | 1,516 |
| Noninterest income to average assets | 1.1307% | 1,220 |
| Noninterest expense to average assets | 9.3940% | 158 |
| Loan and lease loss provision to assets | 1.0054% | 1,464 |
| Net operating income to assets | -5.2439% | 8,102 |
| Return on assets (ROA) | -5.2054% | 8,090 |
| Pretax return on assets | -5.6375% | 8,073 |
| Return on Equity (ROE) | -30.5082% | 7,969 |
| Retained earnings to average equity (ytd only) | -30.5082% | 7,921 |
| Net charge-offs to loans | 0.1128% | 5,139 |
| Credit loss provision to net charge-offs | 1,623.2558% | 268 |
| Earnings coverage of net charge-offs (x) | -75.4651% | 7,001 |
| Efficiency ratio | 68.0195% | 4,720 |
| Assets per employee ($millions) | 2.6640% | 6,861 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2047% | 367 |
| Loan loss allowance to noncurrent loans | 70.9641% | 4,514 |
| Noncurrent assets plus other real estate owned to assets | 2.9099% | 1,595 |
| Noncurrent loans to loans | 4.5159% | 1,058 |
| Net loans and leases to total assets | 57.4159% | 6,287 |
| Net loans and leases to deposits | 72.2363% | 6,034 |
| Net loans and leases to core deposits | 81.4237% | 6,500 |
| Total domestic deposits to total assets | 79.4835% | 5,209 |
| Equity capital to assets | 13.2102% | 1,704 |
| Core capital (leverage) ratio | 8.3093% | 5,931 |
| Tier 1 risk-based capital ratio | 12.0882% | 4,747 |
| Total risk-based capital ratio | 13.3396% | 4,633 |
| Memoranda: | ||
| Average total assets | $69,427,600 | 6,055 |
| Average earning assets | $55,883,800 | 6,342 |
| Average equity | $11,846,000 | 4,874 |
| Average total loans | $38,136,400 | 6,264 |