Home > Rumson-Fair Haven Bank and Trust Company > Performance and Condition Ratios
Rumson-Fair Haven Bank and Trust Company, 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 | 3.5978% | 5,409 |
| Cost of funding earning assets | 0.6569% | 2,152 |
| Net interest margin | 2.9409% | 5,706 |
| Noninterest income to average assets | 0.4122% | 4,361 |
| Noninterest expense to average assets | 2.7296% | 3,990 |
| Loan and lease loss provision to assets | 0.0631% | 3,871 |
| Net operating income to assets | 0.2023% | 5,810 |
| Return on assets (ROA) | 0.2318% | 5,806 |
| Pretax return on assets | 0.4496% | 5,362 |
| Return on Equity (ROE) | 2.7314% | 5,607 |
| Retained earnings to average equity (ytd only) | 2.7314% | 4,293 |
| Net charge-offs to loans | -0.0531% | 6,348 |
| Credit loss provision to net charge-offs | -197.1831% | 5,986 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.3979% | 1,478 |
| Assets per employee ($millions) | 5.3561% | 1,793 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1668% | 4,824 |
| Loan loss allowance to noncurrent loans | 173.4328% | 2,348 |
| Noncurrent assets plus other real estate owned to assets | 0.4364% | 4,942 |
| Noncurrent loans to loans | 0.6728% | 4,293 |
| Net loans and leases to total assets | 64.1042% | 3,028 |
| Net loans and leases to deposits | 73.6842% | 3,312 |
| Net loans and leases to core deposits | 74.3903% | 3,799 |
| Total domestic deposits to total assets | 86.9986% | 2,726 |
| Equity capital to assets | 8.2440% | 5,829 |
| Core capital (leverage) ratio | 8.3920% | 5,790 |
| Tier 1 risk-based capital ratio | 10.4188% | 6,395 |
| Total risk-based capital ratio | 11.3892% | 6,435 |
| Memoranda: | ||
| Average total assets | $221,756,600 | 2,792 |
| Average earning assets | $209,933,800 | 2,720 |
| Average equity | $18,818,400 | 3,298 |
| Average total loans | $133,745,800 | 2,793 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5413% | 5,594 |
| Cost of funding earning assets | 0.6620% | 2,244 |
| Net interest margin | 2.8794% | 5,859 |
| Noninterest income to average assets | 0.4256% | 4,327 |
| Noninterest expense to average assets | 2.5249% | 4,640 |
| Loan and lease loss provision to assets | 0.0850% | 3,358 |
| Net operating income to assets | 0.3368% | 5,478 |
| Return on assets (ROA) | 0.3764% | 5,485 |
| Pretax return on assets | 0.6107% | 4,979 |
| Return on Equity (ROE) | 4.4026% | 5,023 |
| Retained earnings to average equity (ytd only) | 4.4026% | 3,539 |
| Net charge-offs to loans | -0.0637% | 6,379 |
| Credit loss provision to net charge-offs | -225.8065% | 5,919 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.9347% | 2,107 |
| Assets per employee ($millions) | 5.1391% | 2,006 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2089% | 4,824 |
| Loan loss allowance to noncurrent loans | 171.5134% | 2,281 |
| Noncurrent assets plus other real estate owned to assets | 0.4684% | 5,025 |
| Noncurrent loans to loans | 0.7048% | 4,444 |
| Net loans and leases to total assets | 65.6527% | 2,696 |
| Net loans and leases to deposits | 76.1561% | 2,941 |
| Net loans and leases to core deposits | 77.1533% | 3,478 |
| Total domestic deposits to total assets | 86.2080% | 3,132 |
| Equity capital to assets | 8.8732% | 5,327 |
| Core capital (leverage) ratio | 8.7585% | 5,464 |
| Tier 1 risk-based capital ratio | 10.3141% | 6,505 |
| Total risk-based capital ratio | 11.2649% | 6,557 |
| Memoranda: | ||
| Average total assets | $219,617,250 | 2,834 |
| Average earning assets | $208,467,250 | 2,757 |
| Average equity | $18,776,250 | 3,338 |
| Average total loans | $129,836,250 | 2,886 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4606% | 5,769 |
| Cost of funding earning assets | 0.6666% | 2,346 |
| Net interest margin | 2.7940% | 6,013 |
| Noninterest income to average assets | 0.3749% | 4,713 |
| Noninterest expense to average assets | 2.4312% | 4,961 |
| Loan and lease loss provision to assets | 0.1087% | 2,980 |
| Net operating income to assets | 0.3248% | 5,501 |
| Return on assets (ROA) | 0.3848% | 5,432 |
| Pretax return on assets | 0.5877% | 5,064 |
| Return on Equity (ROE) | 4.5574% | 4,969 |
| Retained earnings to average equity (ytd only) | 4.5574% | 3,368 |
| Net charge-offs to loans | -0.0303% | 6,105 |
| Credit loss provision to net charge-offs | -631.5789% | 5,953 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1014% | 2,140 |
| Assets per employee ($millions) | 5.0965% | 1,995 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2539% | 4,724 |
| Loan loss allowance to noncurrent loans | 262.7358% | 1,581 |
| Noncurrent assets plus other real estate owned to assets | 0.2971% | 5,576 |
| Noncurrent loans to loans | 0.4773% | 5,070 |
| Net loans and leases to total assets | 61.4757% | 3,391 |
| Net loans and leases to deposits | 71.2221% | 3,553 |
| Net loans and leases to core deposits | 72.5826% | 3,977 |
| Total domestic deposits to total assets | 86.3155% | 3,194 |
| Equity capital to assets | 8.7787% | 5,465 |
| Core capital (leverage) ratio | 8.5492% | 5,610 |
| Tier 1 risk-based capital ratio | 10.4547% | 6,521 |
| Total risk-based capital ratio | 11.4022% | 6,574 |
| Memoranda: | ||
| Average total assets | $220,875,670 | 2,829 |
| Average earning assets | $210,310,670 | 2,740 |
| Average equity | $18,651,000 | 3,378 |
| Average total loans | $125,301,670 | 2,965 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3164% | 6,125 |
| Cost of funding earning assets | 0.6715% | 2,470 |
| Net interest margin | 2.6449% | 6,302 |
| Noninterest income to average assets | 0.3353% | 5,016 |
| Noninterest expense to average assets | 2.2061% | 5,672 |
| Loan and lease loss provision to assets | 0.1070% | 2,908 |
| Net operating income to assets | 0.3562% | 5,325 |
| Return on assets (ROA) | 0.4726% | 4,976 |
| Pretax return on assets | 0.7330% | 4,431 |
| Return on Equity (ROE) | 5.7048% | 4,199 |
| Retained earnings to average equity (ytd only) | 5.7048% | 2,837 |
| Net charge-offs to loans | -0.0330% | 5,938 |
| Credit loss provision to net charge-offs | -600.0000% | 5,515 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0237% | 2,763 |
| Assets per employee ($millions) | 5.3614% | 1,794 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2821% | 4,786 |
| Loan loss allowance to noncurrent loans | 216.7794% | 1,764 |
| Noncurrent assets plus other real estate owned to assets | 0.3133% | 5,641 |
| Noncurrent loans to loans | 0.5914% | 4,956 |
| Net loans and leases to total assets | 52.2891% | 4,666 |
| Net loans and leases to deposits | 60.1663% | 4,773 |
| Net loans and leases to core deposits | 60.6903% | 5,078 |
| Total domestic deposits to total assets | 86.9076% | 3,013 |
| Equity capital to assets | 7.9203% | 6,422 |
| Core capital (leverage) ratio | 8.8092% | 5,173 |
| Tier 1 risk-based capital ratio | 10.9207% | 6,440 |
| Total risk-based capital ratio | 11.8791% | 6,514 |
| Memoranda: | ||
| Average total assets | $224,287,500 | 2,830 |
| Average earning assets | $214,448,000 | 2,720 |
| Average equity | $18,581,000 | 3,437 |
| Average total loans | $121,322,000 | 3,061 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4876% | 6,370 |
| Cost of funding earning assets | 0.8088% | 2,597 |
| Net interest margin | 2.6788% | 6,547 |
| Noninterest income to average assets | 0.2659% | 5,556 |
| Noninterest expense to average assets | 2.4329% | 5,311 |
| Loan and lease loss provision to assets | 0.0727% | 4,820 |
| Net operating income to assets | 0.2081% | 5,762 |
| Return on assets (ROA) | 0.4369% | 5,183 |
| Pretax return on assets | 0.6551% | 4,808 |
| Return on Equity (ROE) | 5.5172% | 4,418 |
| Retained earnings to average equity (ytd only) | 5.5172% | 2,374 |
| Net charge-offs to loans | -0.0369% | 6,650 |
| Credit loss provision to net charge-offs | -421.0526% | 6,493 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.2947% | 1,399 |
| Assets per employee ($millions) | 5.4532% | 1,729 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3017% | 4,626 |
| Loan loss allowance to noncurrent loans | 203.7234% | 1,817 |
| Noncurrent assets plus other real estate owned to assets | 0.3536% | 5,632 |
| Noncurrent loans to loans | 0.6390% | 4,920 |
| Net loans and leases to total assets | 54.6185% | 4,529 |
| Net loans and leases to deposits | 63.9824% | 4,533 |
| Net loans and leases to core deposits | 65.0979% | 4,824 |
| Total domestic deposits to total assets | 85.3650% | 3,682 |
| Equity capital to assets | 8.6884% | 5,856 |
| Core capital (leverage) ratio | 8.6837% | 5,352 |
| Tier 1 risk-based capital ratio | 10.4898% | 6,561 |
| Total risk-based capital ratio | 11.3844% | 6,633 |
| Memoranda: | ||
| Average total assets | $219,980,800 | 2,841 |
| Average earning assets | $209,684,400 | 2,739 |
| Average equity | $17,418,400 | 3,555 |
| Average total loans | $102,936,200 | 3,456 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4234% | 6,598 |
| Cost of funding earning assets | 0.8243% | 2,742 |
| Net interest margin | 2.5991% | 6,757 |
| Noninterest income to average assets | 0.2531% | 5,758 |
| Noninterest expense to average assets | 2.4633% | 5,203 |
| Loan and lease loss provision to assets | 0.0631% | 4,921 |
| Net operating income to assets | 0.1336% | 6,060 |
| Return on assets (ROA) | 0.4340% | 5,340 |
| Pretax return on assets | 0.6522% | 5,002 |
| Return on Equity (ROE) | 5.6119% | 4,527 |
| Retained earnings to average equity (ytd only) | 5.6119% | 2,953 |
| Net charge-offs to loans | -0.0376% | 6,634 |
| Credit loss provision to net charge-offs | -375.0000% | 6,398 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.2246% | 1,024 |
| Assets per employee ($millions) | 5.3512% | 1,780 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3243% | 4,707 |
| Loan loss allowance to noncurrent loans | 123.4848% | 2,714 |
| Noncurrent assets plus other real estate owned to assets | 0.5692% | 5,248 |
| Noncurrent loans to loans | 1.0724% | 4,298 |
| Net loans and leases to total assets | 52.3781% | 4,995 |
| Net loans and leases to deposits | 61.3094% | 5,044 |
| Net loans and leases to core deposits | 62.4114% | 5,319 |
| Total domestic deposits to total assets | 85.4324% | 3,549 |
| Equity capital to assets | 8.4654% | 6,296 |
| Core capital (leverage) ratio | 7.7614% | 6,487 |
| Tier 1 risk-based capital ratio | 10.3931% | 6,704 |
| Total risk-based capital ratio | 11.2789% | 6,772 |
| Memoranda: | ||
| Average total assets | $221,807,250 | 2,842 |
| Average earning assets | $211,402,000 | 2,743 |
| Average equity | $17,153,500 | 3,630 |
| Average total loans | $99,247,250 | 3,580 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3641% | 6,763 |
| Cost of funding earning assets | 0.8162% | 3,068 |
| Net interest margin | 2.5479% | 6,850 |
| Noninterest income to average assets | 0.2556% | 5,752 |
| Noninterest expense to average assets | 2.3734% | 5,552 |
| Loan and lease loss provision to assets | 0.0531% | 5,002 |
| Net operating income to assets | 0.1820% | 5,972 |
| Return on assets (ROA) | 0.2785% | 5,874 |
| Pretax return on assets | 0.3961% | 5,721 |
| Return on Equity (ROE) | 3.7097% | 5,401 |
| Retained earnings to average equity (ytd only) | 3.7097% | 4,131 |
| Net charge-offs to loans | -0.0398% | 6,606 |
| Credit loss provision to net charge-offs | -315.7895% | 6,215 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.4058% | 1,200 |
| Assets per employee ($millions) | 5.7770% | 1,395 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3418% | 4,695 |
| Loan loss allowance to noncurrent loans | 141.1588% | 2,359 |
| Noncurrent assets plus other real estate owned to assets | 0.4443% | 5,665 |
| Noncurrent loans to loans | 0.9506% | 4,607 |
| Net loans and leases to total assets | 46.1119% | 5,813 |
| Net loans and leases to deposits | 53.2032% | 5,939 |
| Net loans and leases to core deposits | 54.2161% | 6,081 |
| Total domestic deposits to total assets | 86.6712% | 2,970 |
| Equity capital to assets | 7.6657% | 6,729 |
| Core capital (leverage) ratio | 7.4443% | 6,646 |
| Tier 1 risk-based capital ratio | 10.2580% | 6,761 |
| Total risk-based capital ratio | 11.1233% | 6,846 |
| Memoranda: | ||
| Average total assets | $226,177,670 | 2,801 |
| Average earning assets | $215,626,670 | 2,695 |
| Average equity | $16,982,330 | 3,646 |
| Average total loans | $95,403,670 | 3,682 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3693% | 6,842 |
| Cost of funding earning assets | 0.8243% | 3,285 |
| Net interest margin | 2.5450% | 6,921 |
| Noninterest income to average assets | 0.2259% | 6,005 |
| Noninterest expense to average assets | 2.2240% | 5,979 |
| Loan and lease loss provision to assets | 0.0530% | 4,749 |
| Net operating income to assets | 0.2587% | 5,789 |
| Return on assets (ROA) | 0.2648% | 5,931 |
| Pretax return on assets | 0.3830% | 5,771 |
| Return on Equity (ROE) | 3.5634% | 5,478 |
| Retained earnings to average equity (ytd only) | 3.5634% | 4,441 |
| Net charge-offs to loans | -0.0398% | 6,448 |
| Credit loss provision to net charge-offs | -333.3333% | 5,700 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.8881% | 1,700 |
| Assets per employee ($millions) | 6.6491% | 903 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4609% | 4,334 |
| Loan loss allowance to noncurrent loans | 104.0940% | 2,969 |
| Noncurrent assets plus other real estate owned to assets | 0.6325% | 5,303 |
| Noncurrent loans to loans | 1.4035% | 4,008 |
| Net loans and leases to total assets | 40.9637% | 6,266 |
| Net loans and leases to deposits | 47.2290% | 6,338 |
| Net loans and leases to core deposits | 48.1213% | 6,454 |
| Total domestic deposits to total assets | 86.7343% | 3,099 |
| Equity capital to assets | 7.6042% | 6,738 |
| Core capital (leverage) ratio | 7.5455% | 6,605 |
| Tier 1 risk-based capital ratio | 10.7324% | 6,651 |
| Total risk-based capital ratio | 11.6209% | 6,771 |
| Memoranda: | ||
| Average total assets | $226,615,500 | 2,808 |
| Average earning assets | $215,950,000 | 2,693 |
| Average equity | $16,838,000 | 3,675 |
| Average total loans | $90,453,500 | 3,815 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4054% | 7,050 |
| Cost of funding earning assets | 0.9473% | 3,737 |
| Net interest margin | 2.4581% | 7,078 |
| Noninterest income to average assets | 0.2662% | 5,615 |
| Noninterest expense to average assets | 2.3401% | 5,941 |
| Loan and lease loss provision to assets | 0.0568% | 5,888 |
| Net operating income to assets | 0.1401% | 5,767 |
| Return on assets (ROA) | 0.2141% | 5,687 |
| Pretax return on assets | 0.2913% | 5,580 |
| Return on Equity (ROE) | 2.8221% | 5,359 |
| Retained earnings to average equity (ytd only) | 2.8221% | 4,232 |
| Net charge-offs to loans | 0.0634% | 5,666 |
| Credit loss provision to net charge-offs | 230.7692% | 1,052 |
| Earnings coverage of net charge-offs (x) | 10.0192% | 1,896 |
| Efficiency ratio | 90.4596% | 1,155 |
| Assets per employee ($millions) | 5.8246% | 1,352 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5346% | 3,858 |
| Loan loss allowance to noncurrent loans | 61.7879% | 4,417 |
| Noncurrent assets plus other real estate owned to assets | 0.9993% | 4,608 |
| Noncurrent loans to loans | 2.4837% | 2,648 |
| Net loans and leases to total assets | 37.6796% | 6,660 |
| Net loans and leases to deposits | 43.3016% | 6,746 |
| Net loans and leases to core deposits | 44.1850% | 6,808 |
| Total domestic deposits to total assets | 87.0166% | 2,751 |
| Equity capital to assets | 7.2570% | 6,889 |
| Core capital (leverage) ratio | 7.3993% | 6,700 |
| Tier 1 risk-based capital ratio | 11.3922% | 6,225 |
| Total risk-based capital ratio | 12.3168% | 6,402 |
| Memoranda: | ||
| Average total assets | $211,103,800 | 2,931 |
| Average earning assets | $199,298,200 | 2,866 |
| Average equity | $16,016,400 | 3,725 |
| Average total loans | $82,049,600 | 4,080 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5140% | 7,073 |
| Cost of funding earning assets | 0.9612% | 3,948 |
| Net interest margin | 2.5529% | 7,107 |
| Noninterest income to average assets | 0.2736% | 5,659 |
| Noninterest expense to average assets | 2.4536% | 5,616 |
| Loan and lease loss provision to assets | 0.0579% | 5,718 |
| Net operating income to assets | 0.1240% | 5,903 |
| Return on assets (ROA) | 0.2260% | 5,764 |
| Pretax return on assets | 0.3058% | 5,691 |
| Return on Equity (ROE) | 2.9435% | 5,446 |
| Retained earnings to average equity (ytd only) | 2.9435% | 4,588 |
| Net charge-offs to loans | 0.1039% | 4,959 |
| Credit loss provision to net charge-offs | 142.8571% | 2,224 |
| Earnings coverage of net charge-offs (x) | 5.5713% | 2,748 |
| Efficiency ratio | 91.5666% | 1,061 |
| Assets per employee ($millions) | 5.7658% | 1,382 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5704% | 3,802 |
| Loan loss allowance to noncurrent loans | 59.6953% | 4,474 |
| Noncurrent assets plus other real estate owned to assets | 1.0673% | 4,639 |
| Noncurrent loans to loans | 2.6307% | 2,640 |
| Net loans and leases to total assets | 37.9888% | 6,771 |
| Net loans and leases to deposits | 44.1781% | 6,824 |
| Net loans and leases to core deposits | 45.2234% | 6,882 |
| Total domestic deposits to total assets | 85.9900% | 3,219 |
| Equity capital to assets | 7.7348% | 6,831 |
| Core capital (leverage) ratio | 7.6742% | 6,656 |
| Tier 1 risk-based capital ratio | 12.0891% | 5,831 |
| Total risk-based capital ratio | 13.0507% | 6,028 |
| Memoranda: | ||
| Average total assets | $207,089,750 | 2,995 |
| Average earning assets | $195,174,000 | 2,925 |
| Average equity | $15,899,250 | 3,758 |
| Average total loans | $80,830,250 | 4,151 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6026% | 7,098 |
| Cost of funding earning assets | 0.9688% | 4,181 |
| Net interest margin | 2.6337% | 7,094 |
| Noninterest income to average assets | 0.2810% | 5,640 |
| Noninterest expense to average assets | 2.5560% | 5,335 |
| Loan and lease loss provision to assets | 0.0585% | 5,582 |
| Net operating income to assets | 0.1232% | 5,953 |
| Return on assets (ROA) | 0.1610% | 5,951 |
| Pretax return on assets | 0.1873% | 5,955 |
| Return on Equity (ROE) | 2.1021% | 5,754 |
| Retained earnings to average equity (ytd only) | 2.1021% | 4,933 |
| Net charge-offs to loans | 0.1593% | 4,221 |
| Credit loss provision to net charge-offs | 93.7500% | 3,350 |
| Earnings coverage of net charge-offs (x) | 3.2344% | 3,254 |
| Efficiency ratio | 92.6778% | 1,053 |
| Assets per employee ($millions) | 5.5571% | 1,520 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5613% | 3,860 |
| Loan loss allowance to noncurrent loans | 56.3644% | 4,653 |
| Noncurrent assets plus other real estate owned to assets | 1.0843% | 4,715 |
| Noncurrent loans to loans | 2.7700% | 2,630 |
| Net loans and leases to total assets | 36.7135% | 6,924 |
| Net loans and leases to deposits | 42.4927% | 6,972 |
| Net loans and leases to core deposits | 43.7076% | 7,016 |
| Total domestic deposits to total assets | 86.3995% | 3,103 |
| Equity capital to assets | 7.3733% | 7,005 |
| Core capital (leverage) ratio | 7.6071% | 6,663 |
| Tier 1 risk-based capital ratio | 11.7049% | 6,007 |
| Total risk-based capital ratio | 12.6275% | 6,253 |
| Memoranda: | ||
| Average total assets | $205,008,330 | 3,036 |
| Average earning assets | $192,806,330 | 2,957 |
| Average equity | $15,698,670 | 3,784 |
| Average total loans | $80,328,330 | 4,201 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7857% | 6,964 |
| Cost of funding earning assets | 0.9716% | 4,412 |
| Net interest margin | 2.8141% | 6,882 |
| Noninterest income to average assets | 0.3174% | 5,385 |
| Noninterest expense to average assets | 2.8762% | 4,163 |
| Loan and lease loss provision to assets | 0.0603% | 5,246 |
| Net operating income to assets | 0.0281% | 6,282 |
| Return on assets (ROA) | 0.1285% | 6,074 |
| Pretax return on assets | 0.1165% | 6,133 |
| Return on Equity (ROE) | 1.6455% | 5,929 |
| Retained earnings to average equity (ytd only) | 1.6455% | 5,128 |
| Net charge-offs to loans | -0.0500% | 6,883 |
| Credit loss provision to net charge-offs | -300.0000% | 5,858 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.4150% | 861 |
| Assets per employee ($millions) | 5.1441% | 1,971 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6621% | 3,478 |
| Loan loss allowance to noncurrent loans | 88.0647% | 3,240 |
| Noncurrent assets plus other real estate owned to assets | 0.7945% | 5,325 |
| Noncurrent loans to loans | 1.8874% | 3,714 |
| Net loans and leases to total assets | 38.5151% | 6,873 |
| Net loans and leases to deposits | 45.1285% | 6,906 |
| Net loans and leases to core deposits | 46.4921% | 6,953 |
| Total domestic deposits to total assets | 85.3454% | 3,868 |
| Equity capital to assets | 7.7535% | 6,707 |
| Core capital (leverage) ratio | 7.8145% | 6,451 |
| Tier 1 risk-based capital ratio | 12.1140% | 5,590 |
| Total risk-based capital ratio | 13.1472% | 5,779 |
| Memoranda: | ||
| Average total assets | $199,149,000 | 3,123 |
| Average earning assets | $186,489,500 | 3,060 |
| Average equity | $15,558,000 | 3,802 |
| Average total loans | $80,077,500 | 4,251 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2099% | 6,907 |
| Cost of funding earning assets | 1.2360% | 4,319 |
| Net interest margin | 2.9739% | 6,787 |
| Noninterest income to average assets | 0.2285% | 6,173 |
| Noninterest expense to average assets | 2.5128% | 5,744 |
| Loan and lease loss provision to assets | 0.1674% | 5,543 |
| Net operating income to assets | 0.2360% | 5,156 |
| Return on assets (ROA) | 0.4029% | 4,665 |
| Pretax return on assets | 0.5817% | 4,380 |
| Return on Equity (ROE) | 4.8613% | 4,130 |
| Retained earnings to average equity (ytd only) | 4.8613% | 2,504 |
| Net charge-offs to loans | 0.6450% | 3,084 |
| Credit loss provision to net charge-offs | 55.3571% | 6,171 |
| Earnings coverage of net charge-offs (x) | 1.6768% | 4,482 |
| Efficiency ratio | 83.2052% | 2,031 |
| Assets per employee ($millions) | 5.4911% | 1,588 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5519% | 3,768 |
| Loan loss allowance to noncurrent loans | 235.7542% | 1,295 |
| Noncurrent assets plus other real estate owned to assets | 0.3278% | 6,425 |
| Noncurrent loans to loans | 0.6582% | 5,733 |
| Net loans and leases to total assets | 40.6287% | 6,925 |
| Net loans and leases to deposits | 47.7176% | 6,962 |
| Net loans and leases to core deposits | 49.1807% | 7,014 |
| Total domestic deposits to total assets | 85.1440% | 3,778 |
| Equity capital to assets | 7.8719% | 6,618 |
| Core capital (leverage) ratio | 8.1518% | 5,910 |
| Tier 1 risk-based capital ratio | 11.5825% | 5,839 |
| Total risk-based capital ratio | 12.5477% | 6,079 |
| Memoranda: | ||
| Average total assets | $185,135,400 | 3,294 |
| Average earning assets | $173,780,200 | 3,209 |
| Average equity | $15,345,800 | 3,883 |
| Average total loans | $86,822,000 | 4,131 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2340% | 7,046 |
| Cost of funding earning assets | 1.2842% | 4,333 |
| Net interest margin | 2.9498% | 6,928 |
| Noninterest income to average assets | 0.2249% | 6,291 |
| Noninterest expense to average assets | 2.5977% | 5,335 |
| Loan and lease loss provision to assets | 0.1941% | 5,097 |
| Net operating income to assets | 0.1487% | 5,644 |
| Return on assets (ROA) | 0.3817% | 5,016 |
| Pretax return on assets | 0.5377% | 4,801 |
| Return on Equity (ROE) | 4.5426% | 4,532 |
| Retained earnings to average equity (ytd only) | 4.5426% | 3,314 |
| Net charge-offs to loans | 0.7080% | 2,649 |
| Credit loss provision to net charge-offs | 56.6239% | 5,772 |
| Earnings coverage of net charge-offs (x) | 1.1774% | 4,886 |
| Efficiency ratio | 86.5511% | 1,575 |
| Assets per employee ($millions) | 4.9949% | 2,188 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5359% | 3,798 |
| Loan loss allowance to noncurrent loans | 137.6310% | 2,055 |
| Noncurrent assets plus other real estate owned to assets | 0.5763% | 5,994 |
| Noncurrent loans to loans | 1.1159% | 5,015 |
| Net loans and leases to total assets | 45.5471% | 6,737 |
| Net loans and leases to deposits | 54.3414% | 6,745 |
| Net loans and leases to core deposits | 56.4556% | 6,832 |
| Total domestic deposits to total assets | 83.8166% | 4,226 |
| Equity capital to assets | 8.5984% | 6,156 |
| Core capital (leverage) ratio | 8.3214% | 5,828 |
| Tier 1 risk-based capital ratio | 11.6615% | 5,769 |
| Total risk-based capital ratio | 12.6839% | 5,974 |
| Memoranda: | ||
| Average total assets | $181,999,750 | 3,396 |
| Average earning assets | $171,306,500 | 3,298 |
| Average equity | $15,292,000 | 3,935 |
| Average total loans | $88,132,500 | 4,167 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1828% | 7,194 |
| Cost of funding earning assets | 1.3265% | 4,369 |
| Net interest margin | 2.8562% | 7,072 |
| Noninterest income to average assets | 0.1878% | 6,560 |
| Noninterest expense to average assets | 2.6245% | 5,229 |
| Loan and lease loss provision to assets | 0.2209% | 4,685 |
| Net operating income to assets | 0.0358% | 6,023 |
| Return on assets (ROA) | 0.3071% | 5,302 |
| Pretax return on assets | 0.3833% | 5,273 |
| Return on Equity (ROE) | 3.6840% | 4,926 |
| Retained earnings to average equity (ytd only) | 3.6840% | 3,756 |
| Net charge-offs to loans | 0.7819% | 2,293 |
| Credit loss provision to net charge-offs | 57.4713% | 5,274 |
| Earnings coverage of net charge-offs (x) | 0.6897% | 5,055 |
| Efficiency ratio | 90.8257% | 1,272 |
| Assets per employee ($millions) | 5.3271% | 1,782 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5595% | 3,625 |
| Loan loss allowance to noncurrent loans | 70.3704% | 3,836 |
| Noncurrent assets plus other real estate owned to assets | 1.0137% | 5,115 |
| Noncurrent loans to loans | 2.2162% | 3,465 |
| Net loans and leases to total assets | 45.0272% | 6,849 |
| Net loans and leases to deposits | 53.1931% | 6,913 |
| Net loans and leases to core deposits | 54.9509% | 6,992 |
| Total domestic deposits to total assets | 84.6487% | 3,795 |
| Equity capital to assets | 7.9823% | 6,769 |
| Core capital (leverage) ratio | 7.8343% | 6,458 |
| Tier 1 risk-based capital ratio | 11.0621% | 6,172 |
| Total risk-based capital ratio | 12.1170% | 6,372 |
| Memoranda: | ||
| Average total assets | $181,062,000 | 3,428 |
| Average earning assets | $171,274,670 | 3,321 |
| Average equity | $15,092,330 | 3,977 |
| Average total loans | $89,013,330 | 4,176 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0815% | 7,392 |
| Cost of funding earning assets | 1.3885% | 4,256 |
| Net interest margin | 2.6930% | 7,308 |
| Noninterest income to average assets | 0.1821% | 6,652 |
| Noninterest expense to average assets | 2.6089% | 5,322 |
| Loan and lease loss provision to assets | 0.1707% | 4,825 |
| Net operating income to assets | -0.0311% | 6,350 |
| Return on assets (ROA) | 0.2459% | 5,633 |
| Pretax return on assets | 0.3438% | 5,481 |
| Return on Equity (ROE) | 2.8830% | 5,390 |
| Retained earnings to average equity (ytd only) | 2.8830% | 4,403 |
| Net charge-offs to loans | 0.8923% | 1,785 |
| Credit loss provision to net charge-offs | 37.5000% | 4,678 |
| Earnings coverage of net charge-offs (x) | 0.2850% | 4,787 |
| Efficiency ratio | 95.2618% | 1,066 |
| Assets per employee ($millions) | 5.2373% | 1,930 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5778% | 3,541 |
| Loan loss allowance to noncurrent loans | 59.4444% | 4,404 |
| Noncurrent assets plus other real estate owned to assets | 1.2766% | 4,621 |
| Noncurrent loans to loans | 2.6543% | 3,021 |
| Net loans and leases to total assets | 47.3353% | 6,729 |
| Net loans and leases to deposits | 56.3579% | 6,746 |
| Net loans and leases to core deposits | 58.1216% | 6,871 |
| Total domestic deposits to total assets | 83.9906% | 4,151 |
| Equity capital to assets | 8.2229% | 6,403 |
| Core capital (leverage) ratio | 8.2216% | 5,879 |
| Tier 1 risk-based capital ratio | 11.1124% | 6,043 |
| Total risk-based capital ratio | 12.2040% | 6,176 |
| Memoranda: | ||
| Average total assets | $175,705,500 | 3,564 |
| Average earning assets | $166,803,000 | 3,451 |
| Average equity | $14,984,500 | 4,019 |
| Average total loans | $89,660,500 | 4,206 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7227% | 7,100 |
| Cost of funding earning assets | 1.8985% | 3,470 |
| Net interest margin | 2.8241% | 7,017 |
| Noninterest income to average assets | 0.2392% | 6,374 |
| Noninterest expense to average assets | 2.9585% | 4,310 |
| Loan and lease loss provision to assets | 0.1772% | 5,925 |
| Net operating income to assets | -0.1382% | 5,740 |
| Return on assets (ROA) | 0.3119% | 4,578 |
| Pretax return on assets | 0.4707% | 4,281 |
| Return on Equity (ROE) | 3.4194% | 4,324 |
| Retained earnings to average equity (ytd only) | 3.4194% | 2,776 |
| Net charge-offs to loans | 0.2924% | 4,806 |
| Credit loss provision to net charge-offs | 97.2222% | 5,714 |
| Earnings coverage of net charge-offs (x) | -0.1875% | 6,428 |
| Efficiency ratio | 101.1683% | 1,049 |
| Assets per employee ($millions) | 4.8030% | 2,483 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6630% | 3,034 |
| Loan loss allowance to noncurrent loans | 66.1431% | 4,087 |
| Noncurrent assets plus other real estate owned to assets | 1.3634% | 4,381 |
| Noncurrent loans to loans | 2.5142% | 3,031 |
| Net loans and leases to total assets | 53.3271% | 6,266 |
| Net loans and leases to deposits | 64.6265% | 6,197 |
| Net loans and leases to core deposits | 84.9927% | 5,619 |
| Total domestic deposits to total assets | 82.5158% | 4,740 |
| Equity capital to assets | 8.8611% | 5,338 |
| Core capital (leverage) ratio | 8.5466% | 5,205 |
| Tier 1 risk-based capital ratio | 11.7639% | 5,146 |
| Total risk-based capital ratio | 13.0144% | 5,109 |
| Memoranda: | ||
| Average total assets | $158,053,800 | 3,810 |
| Average earning assets | $150,275,400 | 3,709 |
| Average equity | $14,417,600 | 4,170 |
| Average total loans | $98,498,400 | 3,995 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7905% | 7,137 |
| Cost of funding earning assets | 1.9549% | 3,595 |
| Net interest margin | 2.8356% | 6,997 |
| Noninterest income to average assets | 0.2314% | 6,571 |
| Noninterest expense to average assets | 2.9616% | 4,201 |
| Loan and lease loss provision to assets | 0.1757% | 5,602 |
| Net operating income to assets | -0.1435% | 5,974 |
| Return on assets (ROA) | 0.2812% | 4,967 |
| Pretax return on assets | 0.4569% | 4,651 |
| Return on Equity (ROE) | 3.0586% | 4,765 |
| Retained earnings to average equity (ytd only) | 3.0586% | 3,615 |
| Net charge-offs to loans | 0.3814% | 3,739 |
| Credit loss provision to net charge-offs | 71.4286% | 5,952 |
| Earnings coverage of net charge-offs (x) | -0.1254% | 6,214 |
| Efficiency ratio | 101.0529% | 1,017 |
| Assets per employee ($millions) | 4.8449% | 2,339 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5396% | 3,230 |
| Loan loss allowance to noncurrent loans | 68.3412% | 3,888 |
| Noncurrent assets plus other real estate owned to assets | 1.2443% | 4,579 |
| Noncurrent loans to loans | 2.2528% | 3,320 |
| Net loans and leases to total assets | 54.3828% | 6,338 |
| Net loans and leases to deposits | 68.7753% | 6,056 |
| Net loans and leases to core deposits | 92.5577% | 5,180 |
| Total domestic deposits to total assets | 79.0732% | 5,777 |
| Equity capital to assets | 8.7986% | 5,795 |
| Core capital (leverage) ratio | 9.0195% | 4,618 |
| Tier 1 risk-based capital ratio | 11.1012% | 5,852 |
| Total risk-based capital ratio | 12.2550% | 5,916 |
| Memoranda: | ||
| Average total assets | $155,540,750 | 3,884 |
| Average earning assets | $148,067,000 | 3,760 |
| Average equity | $14,298,000 | 4,228 |
| Average total loans | $100,332,500 | 3,975 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9668% | 6,883 |
| Cost of funding earning assets | 2.0604% | 3,474 |
| Net interest margin | 2.9064% | 6,789 |
| Noninterest income to average assets | 0.2479% | 6,509 |
| Noninterest expense to average assets | 3.0306% | 3,964 |
| Loan and lease loss provision to assets | 0.1723% | 5,342 |
| Net operating income to assets | -0.1274% | 6,061 |
| Return on assets (ROA) | 0.2612% | 5,141 |
| Pretax return on assets | 0.4123% | 4,897 |
| Return on Equity (ROE) | 2.7962% | 4,979 |
| Retained earnings to average equity (ytd only) | 2.7962% | 3,767 |
| Net charge-offs to loans | 0.5597% | 2,649 |
| Credit loss provision to net charge-offs | 45.2962% | 5,823 |
| Earnings coverage of net charge-offs (x) | -0.0592% | 5,758 |
| Efficiency ratio | 100.7492% | 1,140 |
| Assets per employee ($millions) | 4.1040% | 3,482 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3907% | 3,774 |
| Loan loss allowance to noncurrent loans | 85.8129% | 3,311 |
| Noncurrent assets plus other real estate owned to assets | 1.0215% | 4,932 |
| Noncurrent loans to loans | 1.6206% | 4,064 |
| Net loans and leases to total assets | 62.1535% | 5,333 |
| Net loans and leases to deposits | 77.1525% | 5,008 |
| Net loans and leases to core deposits | 103.5135% | 4,121 |
| Total domestic deposits to total assets | 80.5593% | 5,246 |
| Equity capital to assets | 9.2734% | 4,916 |
| Core capital (leverage) ratio | 9.1766% | 4,338 |
| Tier 1 risk-based capital ratio | 10.6684% | 6,216 |
| Total risk-based capital ratio | 11.7310% | 6,340 |
| Memoranda: | ||
| Average total assets | $150,863,670 | 3,979 |
| Average earning assets | $143,271,000 | 3,873 |
| Average equity | $14,090,670 | 4,290 |
| Average total loans | $102,556,670 | 3,955 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9717% | 7,008 |
| Cost of funding earning assets | 2.1396% | 3,466 |
| Net interest margin | 2.8320% | 6,923 |
| Noninterest income to average assets | 0.2319% | 6,612 |
| Noninterest expense to average assets | 3.0151% | 3,697 |
| Loan and lease loss provision to assets | 0.0809% | 5,932 |
| Net operating income to assets | -0.1135% | 6,435 |
| Return on assets (ROA) | 0.2616% | 5,598 |
| Pretax return on assets | 0.4045% | 5,386 |
| Return on Equity (ROE) | 2.7904% | 5,459 |
| Retained earnings to average equity (ytd only) | 2.7904% | 4,330 |
| Net charge-offs to loans | 0.3324% | 2,766 |
| Credit loss provision to net charge-offs | 34.4828% | 4,895 |
| Earnings coverage of net charge-offs (x) | -0.3908% | 5,213 |
| Efficiency ratio | 103.1365% | 1,011 |
| Assets per employee ($millions) | 4.3741% | 2,929 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4210% | 3,382 |
| Loan loss allowance to noncurrent loans | 110.4669% | 2,800 |
| Noncurrent assets plus other real estate owned to assets | 0.8675% | 5,024 |
| Noncurrent loans to loans | 1.2864% | 4,402 |
| Net loans and leases to total assets | 66.4751% | 4,472 |
| Net loans and leases to deposits | 82.9506% | 4,138 |
| Net loans and leases to core deposits | 113.2479% | 3,076 |
| Total domestic deposits to total assets | 80.1381% | 5,313 |
| Equity capital to assets | 9.0736% | 5,263 |
| Core capital (leverage) ratio | 9.4530% | 4,046 |
| Tier 1 risk-based capital ratio | 10.9065% | 5,988 |
| Total risk-based capital ratio | 12.0925% | 5,954 |
| Memoranda: | ||
| Average total assets | $148,320,000 | 4,038 |
| Average earning assets | $140,958,500 | 3,933 |
| Average equity | $13,905,000 | 4,354 |
| Average total loans | $104,687,000 | 3,913 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6997% | 6,781 |
| Cost of funding earning assets | 2.4525% | 4,460 |
| Net interest margin | 3.2472% | 6,222 |
| Noninterest income to average assets | 0.2703% | 6,521 |
| Noninterest expense to average assets | 2.8701% | 4,539 |
| Loan and lease loss provision to assets | 0.2150% | 4,741 |
| Net operating income to assets | 0.1790% | 5,911 |
| Return on assets (ROA) | 0.2222% | 5,609 |
| Pretax return on assets | 0.3352% | 5,430 |
| Return on Equity (ROE) | 2.2239% | 5,533 |
| Retained earnings to average equity (ytd only) | 2.2239% | 3,830 |
| Net charge-offs to loans | 0.0192% | 6,592 |
| Credit loss provision to net charge-offs | 1,404.7619% | 322 |
| Earnings coverage of net charge-offs (x) | 31.6667% | 1,128 |
| Efficiency ratio | 85.5560% | 1,901 |
| Assets per employee ($millions) | 4.7849% | 2,198 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4359% | 3,001 |
| Loan loss allowance to noncurrent loans | 107.5512% | 3,232 |
| Noncurrent assets plus other real estate owned to assets | 0.9871% | 4,364 |
| Noncurrent loans to loans | 1.3350% | 3,845 |
| Net loans and leases to total assets | 72.8781% | 3,392 |
| Net loans and leases to deposits | 91.4539% | 3,223 |
| Net loans and leases to core deposits | 125.0000% | 2,251 |
| Total domestic deposits to total assets | 79.6883% | 5,139 |
| Equity capital to assets | 9.6964% | 4,426 |
| Core capital (leverage) ratio | 9.9812% | 3,468 |
| Tier 1 risk-based capital ratio | 11.1790% | 5,559 |
| Total risk-based capital ratio | 12.4296% | 5,445 |
| Memoranda: | ||
| Average total assets | $137,241,200 | 4,136 |
| Average earning assets | $130,357,200 | 4,036 |
| Average equity | $13,714,400 | 4,397 |
| Average total loans | $109,286,400 | 3,696 |