Home > Provident Community Bank > Performance and Condition Ratios
Provident Community Bank, Performance and Condition Ratios
2014-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.4311% | 5,583 |
Cost of funding earning assets | 0.6299% | 1,736 |
Net interest margin | 2.8012% | 5,930 |
Noninterest income to average assets | 0.8510% | 1,553 |
Noninterest expense to average assets | 3.1332% | 2,429 |
Loan and lease loss provision to assets | 0.0000% | 3,817 |
Net operating income to assets | 0.1951% | 5,816 |
Return on assets (ROA) | 0.2008% | 5,849 |
Pretax return on assets | 0.2611% | 5,802 |
Return on Equity (ROE) | 4.1632% | 4,955 |
Retained earnings to average equity (ytd only) | 4.1632% | 3,634 |
Net charge-offs to loans | 0.0069% | 3,516 |
Credit loss provision to net charge-offs | 0.0000% | 2,688 |
Earnings coverage of net charge-offs (x) | 103.0000% | 445 |
Efficiency ratio | 92.5091% | 845 |
Assets per employee ($millions) | 4.5423% | 2,911 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.7680% | 567 |
Loan loss allowance to noncurrent loans | 27.4849% | 5,923 |
Noncurrent assets plus other real estate owned to assets | 4.6987% | 456 |
Noncurrent loans to loans | 10.0709% | 97 |
Net loans and leases to total assets | 34.6607% | 6,144 |
Net loans and leases to deposits | 43.0465% | 6,023 |
Net loans and leases to core deposits | 44.2495% | 6,066 |
Total domestic deposits to total assets | 80.5191% | 5,382 |
Equity capital to assets | 5.3555% | 6,612 |
Core capital (leverage) ratio | 7.2139% | 6,419 |
Tier 1 risk-based capital ratio | 14.3693% | 4,082 |
Total risk-based capital ratio | 15.6287% | 4,037 |
Memoranda: | ||
Average total assets | $324,781,000 | 2,014 |
Average earning assets | $294,018,000 | 2,052 |
Average equity | $15,661,000 | 3,756 |
Average total loans | $116,591,500 | 3,143 |
2013-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.2245% | 6,109 |
Cost of funding earning assets | 0.7596% | 1,444 |
Net interest margin | 2.4649% | 6,398 |
Noninterest income to average assets | 0.7203% | 2,426 |
Noninterest expense to average assets | 3.2061% | 2,396 |
Loan and lease loss provision to assets | 0.1468% | 2,457 |
Net operating income to assets | -0.7611% | 6,559 |
Return on assets (ROA) | -0.7505% | 6,556 |
Pretax return on assets | -0.3849% | 6,449 |
Return on Equity (ROE) | -12.8968% | 6,618 |
Retained earnings to average equity (ytd only) | -12.8968% | 6,586 |
Net charge-offs to loans | 1.3349% | 374 |
Credit loss provision to net charge-offs | 30.5064% | 4,239 |
Earnings coverage of net charge-offs (x) | -0.5168% | 5,200 |
Efficiency ratio | 108.4095% | 296 |
Assets per employee ($millions) | 4.3583% | 3,158 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.7693% | 625 |
Loan loss allowance to noncurrent loans | 26.1204% | 6,050 |
Noncurrent assets plus other real estate owned to assets | 4.9722% | 476 |
Noncurrent loans to loans | 10.6021% | 98 |
Net loans and leases to total assets | 35.1520% | 6,240 |
Net loans and leases to deposits | 43.1519% | 6,165 |
Net loans and leases to core deposits | 44.5007% | 6,207 |
Total domestic deposits to total assets | 81.4610% | 5,050 |
Equity capital to assets | 4.2811% | 6,733 |
Core capital (leverage) ratio | 7.0123% | 6,526 |
Tier 1 risk-based capital ratio | 14.1772% | 4,169 |
Total risk-based capital ratio | 15.4365% | 4,110 |
Memoranda: | ||
Average total assets | $340,569,400 | 1,890 |
Average earning assets | $309,105,000 | 1,916 |
Average equity | $19,818,800 | 3,172 |
Average total loans | $122,782,400 | 2,986 |
2013-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.1782% | 6,226 |
Cost of funding earning assets | 0.7727% | 1,471 |
Net interest margin | 2.4055% | 6,510 |
Noninterest income to average assets | 0.5023% | 3,788 |
Noninterest expense to average assets | 3.0829% | 2,717 |
Loan and lease loss provision to assets | 0.1932% | 1,885 |
Net operating income to assets | -1.0536% | 6,713 |
Return on assets (ROA) | -1.0444% | 6,710 |
Pretax return on assets | -0.5765% | 6,623 |
Return on Equity (ROE) | -16.9025% | 6,751 |
Retained earnings to average equity (ytd only) | -16.9025% | 6,729 |
Net charge-offs to loans | 1.0220% | 555 |
Credit loss provision to net charge-offs | 52.4659% | 3,447 |
Earnings coverage of net charge-offs (x) | -1.0661% | 5,021 |
Efficiency ratio | 114.5914% | 215 |
Assets per employee ($millions) | 4.4304% | 2,991 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.2268% | 440 |
Loan loss allowance to noncurrent loans | 35.2957% | 5,798 |
Noncurrent assets plus other real estate owned to assets | 4.8101% | 602 |
Noncurrent loans to loans | 9.1423% | 166 |
Net loans and leases to total assets | 35.3351% | 6,309 |
Net loans and leases to deposits | 43.4548% | 6,239 |
Net loans and leases to core deposits | 44.9702% | 6,249 |
Total domestic deposits to total assets | 81.3145% | 5,131 |
Equity capital to assets | 4.8568% | 6,778 |
Core capital (leverage) ratio | 6.7250% | 6,637 |
Tier 1 risk-based capital ratio | 13.4776% | 4,772 |
Total risk-based capital ratio | 14.7407% | 4,716 |
Memoranda: | ||
Average total assets | $345,083,250 | 1,885 |
Average earning assets | $313,884,000 | 1,905 |
Average equity | $21,321,750 | 3,039 |
Average total loans | $124,328,250 | 2,970 |
2013-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.0824% | 6,364 |
Cost of funding earning assets | 0.7994% | 1,415 |
Net interest margin | 2.2830% | 6,635 |
Noninterest income to average assets | 0.3378% | 4,973 |
Noninterest expense to average assets | 2.9500% | 3,165 |
Loan and lease loss provision to assets | 0.2862% | 1,271 |
Net operating income to assets | -0.8708% | 6,725 |
Return on assets (ROA) | -0.8570% | 6,732 |
Pretax return on assets | -0.8084% | 6,706 |
Return on Equity (ROE) | -12.9893% | 6,780 |
Retained earnings to average equity (ytd only) | -12.9893% | 6,729 |
Net charge-offs to loans | 0.8873% | 706 |
Credit loss provision to net charge-offs | 89.9281% | 2,441 |
Earnings coverage of net charge-offs (x) | -1.6835% | 4,754 |
Efficiency ratio | 122.1959% | 164 |
Assets per employee ($millions) | 4.6445% | 2,588 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.4662% | 381 |
Loan loss allowance to noncurrent loans | 35.3356% | 5,827 |
Noncurrent assets plus other real estate owned to assets | 5.0583% | 608 |
Noncurrent loans to loans | 9.8095% | 165 |
Net loans and leases to total assets | 34.9406% | 6,362 |
Net loans and leases to deposits | 43.2368% | 6,271 |
Net loans and leases to core deposits | 45.0419% | 6,283 |
Total domestic deposits to total assets | 80.8122% | 5,397 |
Equity capital to assets | 5.6888% | 6,768 |
Core capital (leverage) ratio | 6.6323% | 6,682 |
Tier 1 risk-based capital ratio | 13.4665% | 4,792 |
Total risk-based capital ratio | 14.7322% | 4,738 |
Memoranda: | ||
Average total assets | $349,351,330 | 1,869 |
Average earning assets | $317,741,000 | 1,883 |
Average equity | $23,049,670 | 2,861 |
Average total loans | $125,329,000 | 2,961 |
2013-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.9627% | 6,553 |
Cost of funding earning assets | 0.8027% | 1,511 |
Net interest margin | 2.1600% | 6,781 |
Noninterest income to average assets | 0.6474% | 2,891 |
Noninterest expense to average assets | 2.8610% | 3,501 |
Loan and lease loss provision to assets | 0.0000% | 4,409 |
Net operating income to assets | -0.2930% | 6,571 |
Return on assets (ROA) | -0.2930% | 6,608 |
Pretax return on assets | -0.2453% | 6,565 |
Return on Equity (ROE) | -4.1615% | 6,661 |
Retained earnings to average equity (ytd only) | -4.1615% | 6,295 |
Net charge-offs to loans | 0.0382% | 3,491 |
Credit loss provision to net charge-offs | 0.0000% | 3,239 |
Earnings coverage of net charge-offs (x) | -18.0000% | 4,118 |
Efficiency ratio | 109.3791% | 334 |
Assets per employee ($millions) | 5.2174% | 1,958 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.5184% | 411 |
Loan loss allowance to noncurrent loans | 30.9090% | 5,995 |
Noncurrent assets plus other real estate owned to assets | 6.2159% | 505 |
Noncurrent loans to loans | 11.3832% | 156 |
Net loans and leases to total assets | 33.6679% | 6,431 |
Net loans and leases to deposits | 41.9551% | 6,320 |
Net loans and leases to core deposits | 43.7062% | 6,324 |
Total domestic deposits to total assets | 80.2475% | 5,699 |
Equity capital to assets | 6.9149% | 6,730 |
Core capital (leverage) ratio | 6.9711% | 6,653 |
Tier 1 risk-based capital ratio | 13.9845% | 4,515 |
Total risk-based capital ratio | 15.2499% | 4,463 |
Memoranda: | ||
Average total assets | $352,181,000 | 1,878 |
Average earning assets | $320,923,000 | 1,890 |
Average equity | $24,798,500 | 2,724 |
Average total loans | $125,793,500 | 2,971 |
2012-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.4094% | 6,475 |
Cost of funding earning assets | 1.0049% | 1,333 |
Net interest margin | 2.4045% | 6,777 |
Noninterest income to average assets | 0.6841% | 2,808 |
Noninterest expense to average assets | 2.8208% | 3,943 |
Loan and lease loss provision to assets | 0.1928% | 3,224 |
Net operating income to assets | -0.1555% | 6,344 |
Return on assets (ROA) | 0.0652% | 6,214 |
Pretax return on assets | 0.1857% | 6,010 |
Return on Equity (ROE) | 0.9489% | 6,143 |
Retained earnings to average equity (ytd only) | 0.9489% | 5,397 |
Net charge-offs to loans | 0.6153% | 1,899 |
Credit loss provision to net charge-offs | 79.5480% | 3,846 |
Earnings coverage of net charge-offs (x) | 0.1390% | 5,426 |
Efficiency ratio | 98.8199% | 601 |
Assets per employee ($millions) | 5.1408% | 2,050 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.4183% | 462 |
Loan loss allowance to noncurrent loans | 33.1562% | 5,932 |
Noncurrent assets plus other real estate owned to assets | 6.3932% | 520 |
Noncurrent loans to loans | 10.3097% | 220 |
Net loans and leases to total assets | 35.3039% | 6,477 |
Net loans and leases to deposits | 44.4553% | 6,344 |
Net loans and leases to core deposits | 46.3158% | 6,355 |
Total domestic deposits to total assets | 79.4145% | 5,802 |
Equity capital to assets | 7.1698% | 6,731 |
Core capital (leverage) ratio | 7.0352% | 6,690 |
Tier 1 risk-based capital ratio | 14.0045% | 4,381 |
Total risk-based capital ratio | 15.2698% | 4,331 |
Memoranda: | ||
Average total assets | $365,140,400 | 1,783 |
Average earning assets | $329,587,600 | 1,794 |
Average equity | $25,081,800 | 2,649 |
Average total loans | $143,824,000 | 2,668 |
2012-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.4153% | 6,612 |
Cost of funding earning assets | 1.0627% | 1,224 |
Net interest margin | 2.3526% | 6,920 |
Noninterest income to average assets | 0.6767% | 2,834 |
Noninterest expense to average assets | 2.7524% | 4,161 |
Loan and lease loss provision to assets | 0.2276% | 2,785 |
Net operating income to assets | -0.1303% | 6,435 |
Return on assets (ROA) | 0.1579% | 6,172 |
Pretax return on assets | 0.2182% | 6,092 |
Return on Equity (ROE) | 2.3226% | 5,938 |
Retained earnings to average equity (ytd only) | 2.3226% | 5,178 |
Net charge-offs to loans | 0.6079% | 1,814 |
Credit loss provision to net charge-offs | 93.4718% | 3,193 |
Earnings coverage of net charge-offs (x) | 0.1869% | 5,234 |
Efficiency ratio | 98.3729% | 590 |
Assets per employee ($millions) | 5.2069% | 1,925 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.3371% | 534 |
Loan loss allowance to noncurrent loans | 28.5379% | 6,183 |
Noncurrent assets plus other real estate owned to assets | 7.1754% | 495 |
Noncurrent loans to loans | 11.6937% | 178 |
Net loans and leases to total assets | 36.8545% | 6,492 |
Net loans and leases to deposits | 46.3311% | 6,361 |
Net loans and leases to core deposits | 48.1554% | 6,401 |
Total domestic deposits to total assets | 79.5459% | 5,760 |
Equity capital to assets | 7.2553% | 6,830 |
Core capital (leverage) ratio | 6.9593% | 6,804 |
Tier 1 risk-based capital ratio | 13.6501% | 4,783 |
Total risk-based capital ratio | 14.9149% | 4,729 |
Memoranda: | ||
Average total assets | $369,031,500 | 1,785 |
Average earning assets | $332,733,000 | 1,804 |
Average equity | $25,086,250 | 2,679 |
Average total loans | $147,834,500 | 2,637 |
2012-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.4452% | 6,677 |
Cost of funding earning assets | 1.1244% | 1,112 |
Net interest margin | 2.3207% | 7,000 |
Noninterest income to average assets | 0.8160% | 2,112 |
Noninterest expense to average assets | 2.7159% | 4,347 |
Loan and lease loss provision to assets | 0.3369% | 1,957 |
Net operating income to assets | -0.1400% | 6,476 |
Return on assets (ROA) | 0.1262% | 6,264 |
Pretax return on assets | 0.1326% | 6,258 |
Return on Equity (ROE) | 1.8967% | 6,078 |
Retained earnings to average equity (ytd only) | 1.8967% | 5,256 |
Net charge-offs to loans | 0.7928% | 1,390 |
Credit loss provision to net charge-offs | 104.4776% | 2,606 |
Earnings coverage of net charge-offs (x) | 0.5871% | 4,775 |
Efficiency ratio | 93.4843% | 831 |
Assets per employee ($millions) | 5.6118% | 1,514 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.1551% | 674 |
Loan loss allowance to noncurrent loans | 26.5445% | 6,300 |
Noncurrent assets plus other real estate owned to assets | 7.2655% | 516 |
Noncurrent loans to loans | 11.8863% | 176 |
Net loans and leases to total assets | 37.9224% | 6,484 |
Net loans and leases to deposits | 49.8910% | 6,188 |
Net loans and leases to core deposits | 51.8535% | 6,245 |
Total domestic deposits to total assets | 76.0106% | 6,458 |
Equity capital to assets | 6.8362% | 6,936 |
Core capital (leverage) ratio | 6.6842% | 6,891 |
Tier 1 risk-based capital ratio | 12.6784% | 5,432 |
Total risk-based capital ratio | 13.9420% | 5,396 |
Memoranda: | ||
Average total assets | $374,018,330 | 1,761 |
Average earning assets | $336,702,000 | 1,787 |
Average equity | $24,885,330 | 2,684 |
Average total loans | $152,114,000 | 2,583 |
2012-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.5454% | 6,641 |
Cost of funding earning assets | 1.1613% | 1,140 |
Net interest margin | 2.3841% | 7,019 |
Noninterest income to average assets | 0.6982% | 2,670 |
Noninterest expense to average assets | 2.6331% | 4,690 |
Loan and lease loss provision to assets | 0.4630% | 1,332 |
Net operating income to assets | -0.1662% | 6,599 |
Return on assets (ROA) | 0.0043% | 6,517 |
Pretax return on assets | 0.0064% | 6,517 |
Return on Equity (ROE) | 0.0649% | 6,514 |
Retained earnings to average equity (ytd only) | 0.0649% | 5,956 |
Net charge-offs to loans | 0.4112% | 2,069 |
Credit loss provision to net charge-offs | 271.8750% | 1,074 |
Earnings coverage of net charge-offs (x) | 1.2625% | 3,702 |
Efficiency ratio | 92.4514% | 915 |
Assets per employee ($millions) | 5.3578% | 1,827 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.2017% | 685 |
Loan loss allowance to noncurrent loans | 30.0804% | 6,173 |
Noncurrent assets plus other real estate owned to assets | 6.9853% | 622 |
Noncurrent loans to loans | 10.6439% | 267 |
Net loans and leases to total assets | 38.8869% | 6,429 |
Net loans and leases to deposits | 50.7215% | 6,090 |
Net loans and leases to core deposits | 52.7139% | 6,151 |
Total domestic deposits to total assets | 76.6675% | 6,460 |
Equity capital to assets | 6.4979% | 7,015 |
Core capital (leverage) ratio | 6.5418% | 6,962 |
Tier 1 risk-based capital ratio | 12.1368% | 5,873 |
Total risk-based capital ratio | 13.4008% | 5,838 |
Memoranda: | ||
Average total assets | $375,837,500 | 1,765 |
Average earning assets | $338,918,000 | 1,784 |
Average equity | $24,668,000 | 2,694 |
Average total loans | $155,654,500 | 2,546 |
2011-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9976% | 6,459 |
Cost of funding earning assets | 1.4408% | 876 |
Net interest margin | 2.5568% | 7,025 |
Noninterest income to average assets | 0.3971% | 4,638 |
Noninterest expense to average assets | 2.5206% | 5,401 |
Loan and lease loss provision to assets | 0.2530% | 3,674 |
Net operating income to assets | -0.0763% | 6,139 |
Return on assets (ROA) | 0.0882% | 6,008 |
Pretax return on assets | 0.0945% | 5,977 |
Return on Equity (ROE) | 1.4705% | 5,846 |
Retained earnings to average equity (ytd only) | 1.4705% | 5,161 |
Net charge-offs to loans | 2.1122% | 632 |
Credit loss provision to net charge-offs | 25.9162% | 5,841 |
Earnings coverage of net charge-offs (x) | 0.1749% | 5,705 |
Efficiency ratio | 93.6580% | 945 |
Assets per employee ($millions) | 5.3804% | 1,757 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.8318% | 946 |
Loan loss allowance to noncurrent loans | 26.3741% | 6,383 |
Noncurrent assets plus other real estate owned to assets | 6.8094% | 678 |
Noncurrent loans to loans | 10.7370% | 276 |
Net loans and leases to total assets | 41.4446% | 6,423 |
Net loans and leases to deposits | 55.0061% | 5,978 |
Net loans and leases to core deposits | 57.3136% | 6,055 |
Total domestic deposits to total assets | 75.3454% | 6,557 |
Equity capital to assets | 6.6288% | 7,034 |
Core capital (leverage) ratio | 6.4335% | 6,992 |
Tier 1 risk-based capital ratio | 11.8348% | 5,937 |
Total risk-based capital ratio | 13.0966% | 5,915 |
Memoranda: | ||
Average total assets | $391,368,600 | 1,654 |
Average earning assets | $351,182,600 | 1,688 |
Average equity | $23,461,600 | 2,734 |
Average total loans | $180,850,000 | 2,233 |
2011-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0673% | 6,477 |
Cost of funding earning assets | 1.4949% | 885 |
Net interest margin | 2.5725% | 7,091 |
Noninterest income to average assets | 0.3780% | 4,839 |
Noninterest expense to average assets | 2.4891% | 5,503 |
Loan and lease loss provision to assets | 0.0979% | 5,233 |
Net operating income to assets | 0.0916% | 5,981 |
Return on assets (ROA) | 0.1846% | 5,868 |
Pretax return on assets | 0.1930% | 5,909 |
Return on Equity (ROE) | 3.1592% | 5,356 |
Retained earnings to average equity (ytd only) | 3.1592% | 4,450 |
Net charge-offs to loans | 2.5002% | 436 |
Credit loss provision to net charge-offs | 8.3190% | 5,675 |
Earnings coverage of net charge-offs (x) | 0.1649% | 5,481 |
Efficiency ratio | 92.7673% | 984 |
Assets per employee ($millions) | 5.6574% | 1,456 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.5189% | 1,370 |
Loan loss allowance to noncurrent loans | 24.2465% | 6,526 |
Noncurrent assets plus other real estate owned to assets | 6.8496% | 735 |
Noncurrent loans to loans | 10.3888% | 330 |
Net loans and leases to total assets | 42.0789% | 6,499 |
Net loans and leases to deposits | 55.6277% | 6,060 |
Net loans and leases to core deposits | 57.8775% | 6,136 |
Total domestic deposits to total assets | 75.6437% | 6,571 |
Equity capital to assets | 6.6139% | 7,119 |
Core capital (leverage) ratio | 6.3814% | 7,086 |
Tier 1 risk-based capital ratio | 11.4613% | 6,262 |
Total risk-based capital ratio | 12.7201% | 6,251 |
Memoranda: | ||
Average total assets | $395,053,750 | 1,653 |
Average earning assets | $353,997,750 | 1,675 |
Average equity | $23,085,500 | 2,768 |
Average total loans | $185,902,250 | 2,191 |
2011-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1078% | 6,480 |
Cost of funding earning assets | 1.5645% | 802 |
Net interest margin | 2.5433% | 7,159 |
Noninterest income to average assets | 0.2419% | 5,914 |
Noninterest expense to average assets | 2.3463% | 6,010 |
Loan and lease loss provision to assets | 0.0000% | 6,217 |
Net operating income to assets | 0.1613% | 5,853 |
Return on assets (ROA) | 0.2033% | 5,844 |
Pretax return on assets | 0.2123% | 5,909 |
Return on Equity (ROE) | 3.6324% | 5,099 |
Retained earnings to average equity (ytd only) | 3.6324% | 3,919 |
Net charge-offs to loans | 1.0462% | 1,504 |
Credit loss provision to net charge-offs | 0.0000% | 5,336 |
Earnings coverage of net charge-offs (x) | 0.3337% | 5,068 |
Efficiency ratio | 93.2948% | 1,022 |
Assets per employee ($millions) | 5.6871% | 1,403 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.6081% | 559 |
Loan loss allowance to noncurrent loans | 33.2273% | 6,083 |
Noncurrent assets plus other real estate owned to assets | 7.6013% | 629 |
Noncurrent loans to loans | 10.8588% | 327 |
Net loans and leases to total assets | 44.0189% | 6,440 |
Net loans and leases to deposits | 57.4924% | 5,993 |
Net loans and leases to core deposits | 59.9178% | 6,093 |
Total domestic deposits to total assets | 76.5647% | 6,513 |
Equity capital to assets | 5.9407% | 7,250 |
Core capital (leverage) ratio | 6.2128% | 7,168 |
Tier 1 risk-based capital ratio | 10.9840% | 6,542 |
Total risk-based capital ratio | 12.2538% | 6,512 |
Memoranda: | ||
Average total assets | $398,503,000 | 1,646 |
Average earning assets | $356,150,000 | 1,679 |
Average equity | $22,299,330 | 2,839 |
Average total loans | $192,515,330 | 2,160 |
2011-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9961% | 6,707 |
Cost of funding earning assets | 1.6596% | 653 |
Net interest margin | 2.3365% | 7,295 |
Noninterest income to average assets | 0.4718% | 4,106 |
Noninterest expense to average assets | 2.2918% | 6,207 |
Loan and lease loss provision to assets | 0.0000% | 5,840 |
Net operating income to assets | 0.2550% | 5,597 |
Return on assets (ROA) | 0.2512% | 5,678 |
Pretax return on assets | 0.2621% | 5,770 |
Return on Equity (ROE) | 4.6262% | 4,590 |
Retained earnings to average equity (ytd only) | 4.6262% | 3,416 |
Net charge-offs to loans | 0.8580% | 1,538 |
Credit loss provision to net charge-offs | 0.0000% | 4,480 |
Earnings coverage of net charge-offs (x) | 0.6256% | 4,157 |
Efficiency ratio | 89.5978% | 1,369 |
Assets per employee ($millions) | 5.6348% | 1,462 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.5717% | 571 |
Loan loss allowance to noncurrent loans | 32.3948% | 6,146 |
Noncurrent assets plus other real estate owned to assets | 7.6238% | 650 |
Noncurrent loans to loans | 11.0257% | 339 |
Net loans and leases to total assets | 46.8928% | 6,204 |
Net loans and leases to deposits | 60.7511% | 5,648 |
Net loans and leases to core deposits | 64.0878% | 5,716 |
Total domestic deposits to total assets | 77.1885% | 6,498 |
Equity capital to assets | 5.4225% | 7,346 |
Core capital (leverage) ratio | 5.9508% | 7,260 |
Tier 1 risk-based capital ratio | 10.1591% | 6,941 |
Total risk-based capital ratio | 11.4298% | 6,940 |
Memoranda: | ||
Average total assets | $404,392,000 | 1,633 |
Average earning assets | $361,056,500 | 1,665 |
Average equity | $21,962,000 | 2,869 |
Average total loans | $200,471,000 | 2,105 |
2010-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3052% | 6,783 |
Cost of funding earning assets | 1.9984% | 613 |
Net interest margin | 2.3068% | 7,365 |
Noninterest income to average assets | 0.0381% | 7,166 |
Noninterest expense to average assets | 2.1158% | 6,812 |
Loan and lease loss provision to assets | 2.0992% | 612 |
Net operating income to assets | -3.2680% | 7,344 |
Return on assets (ROA) | -3.1243% | 7,338 |
Pretax return on assets | -1.9722% | 7,019 |
Return on Equity (ROE) | -40.7743% | 7,357 |
Retained earnings to average equity (ytd only) | -40.7743% | 7,350 |
Net charge-offs to loans | 3.1402% | 510 |
Credit loss provision to net charge-offs | 124.6914% | 3,298 |
Earnings coverage of net charge-offs (x) | -0.0099% | 6,139 |
Efficiency ratio | 100.7921% | 753 |
Assets per employee ($millions) | 5.8387% | 1,325 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.5753% | 559 |
Loan loss allowance to noncurrent loans | 38.9373% | 5,706 |
Noncurrent assets plus other real estate owned to assets | 7.2347% | 742 |
Noncurrent loans to loans | 9.1823% | 499 |
Net loans and leases to total assets | 48.6917% | 6,311 |
Net loans and leases to deposits | 63.4232% | 5,699 |
Net loans and leases to core deposits | 66.7297% | 5,806 |
Total domestic deposits to total assets | 76.7728% | 6,519 |
Equity capital to assets | 5.4391% | 7,402 |
Core capital (leverage) ratio | 5.6730% | 7,347 |
Tier 1 risk-based capital ratio | 9.7499% | 7,066 |
Total risk-based capital ratio | 10.9857% | 7,071 |
Memoranda: | ||
Average total assets | $433,020,000 | 1,542 |
Average earning assets | $386,904,600 | 1,561 |
Average equity | $33,180,200 | 1,993 |
Average total loans | $232,153,400 | 1,883 |
2010-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3425% | 6,906 |
Cost of funding earning assets | 2.0467% | 647 |
Net interest margin | 2.2958% | 7,485 |
Noninterest income to average assets | 0.4312% | 4,709 |
Noninterest expense to average assets | 2.0511% | 6,957 |
Loan and lease loss provision to assets | 1.8310% | 683 |
Net operating income to assets | -1.1871% | 6,981 |
Return on assets (ROA) | -1.0072% | 6,952 |
Pretax return on assets | -1.1876% | 6,940 |
Return on Equity (ROE) | -12.3130% | 7,022 |
Retained earnings to average equity (ytd only) | -12.3130% | 6,985 |
Net charge-offs to loans | 3.2271% | 448 |
Credit loss provision to net charge-offs | 104.4156% | 4,110 |
Earnings coverage of net charge-offs (x) | 0.2462% | 5,771 |
Efficiency ratio | 82.6098% | 1,996 |
Assets per employee ($millions) | 6.0392% | 1,217 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.6555% | 1,131 |
Loan loss allowance to noncurrent loans | 24.2296% | 6,692 |
Noncurrent assets plus other real estate owned to assets | 7.9136% | 639 |
Noncurrent loans to loans | 10.9599% | 351 |
Net loans and leases to total assets | 49.8757% | 6,337 |
Net loans and leases to deposits | 67.1377% | 5,530 |
Net loans and leases to core deposits | 70.5813% | 5,691 |
Total domestic deposits to total assets | 74.2887% | 6,886 |
Equity capital to assets | 7.9348% | 6,850 |
Core capital (leverage) ratio | 6.7143% | 7,282 |
Tier 1 risk-based capital ratio | 10.9530% | 6,418 |
Total risk-based capital ratio | 12.2149% | 6,395 |
Memoranda: | ||
Average total assets | $439,097,500 | 1,543 |
Average earning assets | $392,425,500 | 1,562 |
Average equity | $35,917,750 | 1,857 |
Average total loans | $238,595,000 | 1,858 |
2010-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3623% | 6,964 |
Cost of funding earning assets | 2.1269% | 602 |
Net interest margin | 2.2354% | 7,563 |
Noninterest income to average assets | 0.5243% | 3,923 |
Noninterest expense to average assets | 2.0238% | 7,064 |
Loan and lease loss provision to assets | 0.9414% | 1,557 |
Net operating income to assets | -0.2645% | 6,432 |
Return on assets (ROA) | -0.0511% | 6,243 |
Pretax return on assets | -0.1053% | 6,253 |
Return on Equity (ROE) | -0.6183% | 6,277 |
Retained earnings to average equity (ytd only) | -0.6183% | 5,882 |
Net charge-offs to loans | 2.1977% | 814 |
Credit loss provision to net charge-offs | 77.4062% | 4,778 |
Earnings coverage of net charge-offs (x) | 0.4132% | 5,312 |
Efficiency ratio | 80.1073% | 2,431 |
Assets per employee ($millions) | 5.9207% | 1,284 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1136% | 1,942 |
Loan loss allowance to noncurrent loans | 18.1417% | 7,025 |
Noncurrent assets plus other real estate owned to assets | 7.7298% | 653 |
Noncurrent loans to loans | 11.6508% | 312 |
Net loans and leases to total assets | 53.2645% | 6,084 |
Net loans and leases to deposits | 71.3706% | 5,096 |
Net loans and leases to core deposits | 76.0913% | 5,179 |
Total domestic deposits to total assets | 74.6309% | 6,894 |
Equity capital to assets | 8.4630% | 6,211 |
Core capital (leverage) ratio | 7.7522% | 6,553 |
Tier 1 risk-based capital ratio | 11.7771% | 5,518 |
Total risk-based capital ratio | 13.0334% | 5,470 |
Memoranda: | ||
Average total assets | $442,536,670 | 1,544 |
Average earning assets | $396,355,000 | 1,564 |
Average equity | $36,549,330 | 1,818 |
Average total loans | $244,896,330 | 1,840 |
2010-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5140% | 6,763 |
Cost of funding earning assets | 2.2844% | 452 |
Net interest margin | 2.2296% | 7,633 |
Noninterest income to average assets | 0.5271% | 3,836 |
Noninterest expense to average assets | 1.9888% | 7,180 |
Loan and lease loss provision to assets | 0.8005% | 1,582 |
Net operating income to assets | -0.2421% | 6,596 |
Return on assets (ROA) | 0.0920% | 6,143 |
Pretax return on assets | 0.0706% | 6,204 |
Return on Equity (ROE) | 1.1277% | 6,087 |
Retained earnings to average equity (ytd only) | 1.1277% | 5,367 |
Net charge-offs to loans | 1.6689% | 1,040 |
Credit loss provision to net charge-offs | 85.9885% | 3,750 |
Earnings coverage of net charge-offs (x) | 0.5768% | 4,515 |
Efficiency ratio | 78.7407% | 2,771 |
Assets per employee ($millions) | 5.9260% | 1,309 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.2317% | 1,691 |
Loan loss allowance to noncurrent loans | 24.8366% | 6,757 |
Noncurrent assets plus other real estate owned to assets | 6.4555% | 887 |
Noncurrent loans to loans | 8.9856% | 542 |
Net loans and leases to total assets | 54.2756% | 5,995 |
Net loans and leases to deposits | 72.6108% | 4,971 |
Net loans and leases to core deposits | 77.6525% | 5,065 |
Total domestic deposits to total assets | 74.7486% | 6,938 |
Equity capital to assets | 8.3245% | 6,271 |
Core capital (leverage) ratio | 7.4383% | 6,904 |
Tier 1 risk-based capital ratio | 11.5609% | 5,614 |
Total risk-based capital ratio | 12.8185% | 5,585 |
Memoranda: | ||
Average total assets | $447,699,500 | 1,565 |
Average earning assets | $401,332,000 | 1,588 |
Average equity | $36,535,000 | 1,840 |
Average total loans | $249,751,500 | 1,870 |
2009-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0256% | 6,351 |
Cost of funding earning assets | 2.6575% | 660 |
Net interest margin | 2.3681% | 7,531 |
Noninterest income to average assets | 0.5290% | 4,188 |
Noninterest expense to average assets | 3.3105% | 2,979 |
Loan and lease loss provision to assets | 1.9007% | 1,173 |
Net operating income to assets | -1.5892% | 6,902 |
Return on assets (ROA) | -1.4808% | 6,857 |
Pretax return on assets | -2.3576% | 7,091 |
Return on Equity (ROE) | -17.3152% | 7,047 |
Retained earnings to average equity (ytd only) | -17.3152% | 7,002 |
Net charge-offs to loans | 3.6192% | 522 |
Credit loss provision to net charge-offs | 87.8815% | 6,071 |
Earnings coverage of net charge-offs (x) | -0.2896% | 6,537 |
Efficiency ratio | 109.7076% | 802 |
Assets per employee ($millions) | 6.0917% | 1,192 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1788% | 1,688 |
Loan loss allowance to noncurrent loans | 26.7334% | 6,698 |
Noncurrent assets plus other real estate owned to assets | 5.8629% | 970 |
Noncurrent loans to loans | 8.1501% | 609 |
Net loans and leases to total assets | 54.8245% | 6,101 |
Net loans and leases to deposits | 74.8459% | 4,901 |
Net loans and leases to core deposits | 95.3904% | 4,528 |
Total domestic deposits to total assets | 73.2499% | 7,125 |
Equity capital to assets | 8.0033% | 6,576 |
Core capital (leverage) ratio | 7.1714% | 7,093 |
Tier 1 risk-based capital ratio | 10.8610% | 6,055 |
Total risk-based capital ratio | 12.1076% | 6,027 |
Memoranda: | ||
Average total assets | $457,455,800 | 1,512 |
Average earning assets | $416,328,600 | 1,519 |
Average equity | $39,121,800 | 1,712 |
Average total loans | $273,374,200 | 1,761 |
2009-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0617% | 6,414 |
Cost of funding earning assets | 2.7188% | 749 |
Net interest margin | 2.3428% | 7,607 |
Noninterest income to average assets | 0.5775% | 3,870 |
Noninterest expense to average assets | 2.6640% | 5,474 |
Loan and lease loss provision to assets | 1.4714% | 1,306 |
Net operating income to assets | -0.8454% | 6,725 |
Return on assets (ROA) | -0.7037% | 6,622 |
Pretax return on assets | -1.1978% | 6,812 |
Return on Equity (ROE) | -8.0982% | 6,742 |
Retained earnings to average equity (ytd only) | -8.0982% | 6,615 |
Net charge-offs to loans | 3.6436% | 403 |
Credit loss provision to net charge-offs | 66.5437% | 6,055 |
Earnings coverage of net charge-offs (x) | 0.0236% | 6,030 |
Efficiency ratio | 95.4302% | 1,308 |
Assets per employee ($millions) | 6.1201% | 1,155 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5845% | 3,055 |
Loan loss allowance to noncurrent loans | 26.7694% | 6,677 |
Noncurrent assets plus other real estate owned to assets | 4.7230% | 1,266 |
Noncurrent loans to loans | 5.9190% | 1,010 |
Net loans and leases to total assets | 56.6206% | 6,078 |
Net loans and leases to deposits | 77.7052% | 4,777 |
Net loans and leases to core deposits | 99.1574% | 4,465 |
Total domestic deposits to total assets | 72.8659% | 7,099 |
Equity capital to assets | 8.8809% | 5,660 |
Core capital (leverage) ratio | 8.7252% | 5,086 |
Tier 1 risk-based capital ratio | 12.7470% | 4,352 |
Total risk-based capital ratio | 13.9981% | 4,303 |
Memoranda: | ||
Average total assets | $457,600,750 | 1,522 |
Average earning assets | $417,715,500 | 1,531 |
Average equity | $39,761,000 | 1,713 |
Average total loans | $277,703,000 | 1,758 |
2009-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0401% | 6,650 |
Cost of funding earning assets | 2.7574% | 886 |
Net interest margin | 2.2827% | 7,688 |
Noninterest income to average assets | 0.5520% | 4,023 |
Noninterest expense to average assets | 2.6302% | 5,615 |
Loan and lease loss provision to assets | 1.5931% | 1,062 |
Net operating income to assets | -0.9526% | 6,938 |
Return on assets (ROA) | -0.8460% | 6,870 |
Pretax return on assets | -1.4147% | 7,044 |
Return on Equity (ROE) | -9.8100% | 7,018 |
Retained earnings to average equity (ytd only) | -9.8100% | 6,854 |
Net charge-offs to loans | 4.7219% | 268 |
Credit loss provision to net charge-offs | 54.6263% | 5,686 |
Earnings coverage of net charge-offs (x) | 0.0041% | 5,687 |
Efficiency ratio | 96.7066% | 1,332 |
Assets per employee ($millions) | 6.0290% | 1,199 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3913% | 3,772 |
Loan loss allowance to noncurrent loans | 22.2570% | 7,005 |
Noncurrent assets plus other real estate owned to assets | 4.4260% | 1,277 |
Noncurrent loans to loans | 6.2512% | 866 |
Net loans and leases to total assets | 57.5100% | 6,033 |
Net loans and leases to deposits | 79.0277% | 4,699 |
Net loans and leases to core deposits | 101.3488% | 4,366 |
Total domestic deposits to total assets | 72.7720% | 7,142 |
Equity capital to assets | 8.9283% | 5,412 |
Core capital (leverage) ratio | 8.6273% | 5,216 |
Tier 1 risk-based capital ratio | 12.4995% | 4,520 |
Total risk-based capital ratio | 13.6852% | 4,495 |
Memoranda: | ||
Average total assets | $455,093,000 | 1,551 |
Average earning assets | $416,694,000 | 1,556 |
Average equity | $39,245,670 | 1,736 |
Average total loans | $281,072,000 | 1,766 |
2009-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9784% | 6,986 |
Cost of funding earning assets | 2.7818% | 1,022 |
Net interest margin | 2.1966% | 7,799 |
Noninterest income to average assets | 0.5265% | 4,086 |
Noninterest expense to average assets | 2.4096% | 6,158 |
Loan and lease loss provision to assets | 2.3972% | 486 |
Net operating income to assets | -1.4080% | 7,461 |
Return on assets (ROA) | -1.3540% | 7,453 |
Pretax return on assets | -2.1797% | 7,583 |
Return on Equity (ROE) | -15.9918% | 7,644 |
Retained earnings to average equity (ytd only) | -15.9918% | 7,489 |
Net charge-offs to loans | 1.8712% | 774 |
Credit loss provision to net charge-offs | 201.6430% | 2,201 |
Earnings coverage of net charge-offs (x) | 0.1120% | 4,893 |
Efficiency ratio | 91.4455% | 1,617 |
Assets per employee ($millions) | 5.9848% | 1,204 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.8369% | 559 |
Loan loss allowance to noncurrent loans | 47.9188% | 5,334 |
Noncurrent assets plus other real estate owned to assets | 3.8741% | 1,355 |
Noncurrent loans to loans | 5.9203% | 820 |
Net loans and leases to total assets | 59.7142% | 5,707 |
Net loans and leases to deposits | 83.3775% | 4,078 |
Net loans and leases to core deposits | 108.4249% | 3,623 |
Total domestic deposits to total assets | 71.6191% | 7,266 |
Equity capital to assets | 8.8774% | 5,514 |
Core capital (leverage) ratio | 9.0028% | 4,710 |
Tier 1 risk-based capital ratio | 12.7231% | 4,372 |
Total risk-based capital ratio | 13.9895% | 4,278 |
Memoranda: | ||
Average total assets | $450,523,500 | 1,573 |
Average earning assets | $413,549,500 | 1,572 |
Average equity | $38,144,500 | 1,787 |
Average total loans | $286,234,500 | 1,734 |
2008-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.0080% | 5,511 |
Cost of funding earning assets | 3.2876% | 958 |
Net interest margin | 2.7204% | 7,460 |
Noninterest income to average assets | 0.7149% | 3,024 |
Noninterest expense to average assets | 2.3654% | 6,518 |
Loan and lease loss provision to assets | 1.0213% | 1,440 |
Net operating income to assets | 0.0226% | 6,305 |
Return on assets (ROA) | 0.1000% | 5,956 |
Pretax return on assets | -0.0444% | 6,205 |
Return on Equity (ROE) | 1.0893% | 5,888 |
Retained earnings to average equity (ytd only) | -6.5782% | 6,734 |
Net charge-offs to loans | 0.2799% | 3,532 |
Credit loss provision to net charge-offs | 541.8275% | 809 |
Earnings coverage of net charge-offs (x) | 4.5418% | 3,942 |
Efficiency ratio | 70.2914% | 4,293 |
Assets per employee ($millions) | 5.4279% | 1,514 |
Cash dividends to net income (ytd only)* | 703.8835% | 55 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.3735% | 780 |
Loan loss allowance to noncurrent loans | 41.2965% | 5,972 |
Noncurrent assets plus other real estate owned to assets | 3.9334% | 1,061 |
Noncurrent loans to loans | 5.7474% | 659 |
Net loans and leases to total assets | 64.2047% | 5,233 |
Net loans and leases to deposits | 90.3923% | 3,385 |
Net loans and leases to core deposits | 119.2358% | 2,768 |
Total domestic deposits to total assets | 71.0289% | 7,159 |
Equity capital to assets | 8.0252% | 6,810 |
Core capital (leverage) ratio | 8.0367% | 6,426 |
Tier 1 risk-based capital ratio | 10.8004% | 5,916 |
Total risk-based capital ratio | 12.0619% | 5,804 |
Memoranda: | ||
Average total assets | $412,201,000 | 1,649 |
Average earning assets | $379,791,800 | 1,640 |
Average equity | $37,821,800 | 1,785 |
Average total loans | $277,568,400 | 1,731 |