Home > Simmons First Bank of Northeast Arkansas > Performance and Condition Ratios
Simmons First Bank of Northeast Arkansas, 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 | 4.3526% | 2,315 |
Cost of funding earning assets | 0.4048% | 3,913 |
Net interest margin | 3.9478% | 1,934 |
Noninterest income to average assets | 0.6521% | 2,448 |
Noninterest expense to average assets | 2.2294% | 5,387 |
Loan and lease loss provision to assets | 0.0880% | 2,448 |
Net operating income to assets | 1.2670% | 1,302 |
Return on assets (ROA) | 1.2670% | 1,353 |
Pretax return on assets | 2.0094% | 525 |
Return on Equity (ROE) | 12.9701% | 1,170 |
Retained earnings to average equity (ytd only) | 2.0789% | 4,770 |
Net charge-offs to loans | 0.1108% | 2,075 |
Credit loss provision to net charge-offs | 97.5000% | 1,721 |
Earnings coverage of net charge-offs (x) | 23.2375% | 1,220 |
Efficiency ratio | 51.4472% | 6,165 |
Assets per employee ($millions) | 5.8249% | 1,431 |
Cash dividends to net income (ytd only)* | 83.9715% | 901 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0946% | 5,140 |
Loan loss allowance to noncurrent loans | 416.5333% | 1,111 |
Noncurrent assets plus other real estate owned to assets | 0.2077% | 5,599 |
Noncurrent loans to loans | 0.2628% | 5,313 |
Net loans and leases to total assets | 78.1618% | 758 |
Net loans and leases to deposits | 92.9756% | 877 |
Net loans and leases to core deposits | 100.2091% | 1,092 |
Total domestic deposits to total assets | 84.0669% | 4,251 |
Equity capital to assets | 9.6203% | 4,329 |
Core capital (leverage) ratio | 9.6978% | 3,999 |
Tier 1 risk-based capital ratio | 13.4686% | 4,711 |
Total risk-based capital ratio | 14.7190% | 4,649 |
Memoranda: | ||
Average total assets | $354,542,500 | 1,853 |
Average earning assets | $330,008,500 | 1,827 |
Average equity | $34,633,500 | 2,003 |
Average total loans | $288,723,000 | 1,485 |
2013-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8065% | 1,297 |
Cost of funding earning assets | 0.4448% | 4,165 |
Net interest margin | 4.3618% | 968 |
Noninterest income to average assets | 0.8806% | 1,750 |
Noninterest expense to average assets | 2.2295% | 5,556 |
Loan and lease loss provision to assets | 0.1083% | 2,990 |
Net operating income to assets | 1.6108% | 674 |
Return on assets (ROA) | 1.6108% | 698 |
Pretax return on assets | 2.5639% | 186 |
Return on Equity (ROE) | 16.6972% | 539 |
Retained earnings to average equity (ytd only) | 3.9466% | 3,396 |
Net charge-offs to loans | 0.0426% | 4,619 |
Credit loss provision to net charge-offs | 307.2581% | 744 |
Earnings coverage of net charge-offs (x) | 75.7903% | 572 |
Efficiency ratio | 45.4145% | 6,582 |
Assets per employee ($millions) | 5.7991% | 1,406 |
Cash dividends to net income (ytd only)* | 76.3636% | 1,049 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0704% | 5,272 |
Loan loss allowance to noncurrent loans | 579.9629% | 839 |
Noncurrent assets plus other real estate owned to assets | 0.1638% | 5,824 |
Noncurrent loans to loans | 0.1846% | 5,647 |
Net loans and leases to total assets | 83.0369% | 325 |
Net loans and leases to deposits | 98.7369% | 552 |
Net loans and leases to core deposits | 106.8088% | 756 |
Total domestic deposits to total assets | 84.0991% | 4,124 |
Equity capital to assets | 9.9223% | 3,868 |
Core capital (leverage) ratio | 9.7734% | 3,881 |
Tier 1 risk-based capital ratio | 13.0183% | 4,957 |
Total risk-based capital ratio | 14.2622% | 4,916 |
Memoranda: | ||
Average total assets | $351,686,800 | 1,842 |
Average earning assets | $324,225,000 | 1,829 |
Average equity | $33,927,800 | 2,031 |
Average total loans | $291,023,000 | 1,460 |
2013-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7897% | 1,369 |
Cost of funding earning assets | 0.4546% | 4,226 |
Net interest margin | 4.3351% | 1,020 |
Noninterest income to average assets | 0.9260% | 1,673 |
Noninterest expense to average assets | 2.2116% | 5,577 |
Loan and lease loss provision to assets | 0.1070% | 2,979 |
Net operating income to assets | 1.6312% | 710 |
Return on assets (ROA) | 1.6312% | 751 |
Pretax return on assets | 2.5953% | 221 |
Return on Equity (ROE) | 17.0280% | 536 |
Retained earnings to average equity (ytd only) | 4.1603% | 3,724 |
Net charge-offs to loans | 0.0101% | 4,945 |
Credit loss provision to net charge-offs | 1,286.3636% | 245 |
Earnings coverage of net charge-offs (x) | 324.8926% | 178 |
Efficiency ratio | 44.9369% | 6,630 |
Assets per employee ($millions) | 5.8612% | 1,336 |
Cash dividends to net income (ytd only)* | 75.5679% | 905 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0109% | 5,667 |
Loan loss allowance to noncurrent loans | 490.5956% | 898 |
Noncurrent assets plus other real estate owned to assets | 0.1871% | 5,882 |
Noncurrent loans to loans | 0.2061% | 5,728 |
Net loans and leases to total assets | 85.7255% | 162 |
Net loans and leases to deposits | 106.3635% | 232 |
Net loans and leases to core deposits | 116.6381% | 380 |
Total domestic deposits to total assets | 80.5968% | 5,336 |
Equity capital to assets | 9.5795% | 4,446 |
Core capital (leverage) ratio | 9.6427% | 4,181 |
Tier 1 risk-based capital ratio | 12.0728% | 5,735 |
Total risk-based capital ratio | 13.2375% | 5,726 |
Memoranda: | ||
Average total assets | $352,622,750 | 1,850 |
Average earning assets | $324,379,500 | 1,842 |
Average equity | $33,778,750 | 2,053 |
Average total loans | $290,767,000 | 1,459 |
2013-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7097% | 1,538 |
Cost of funding earning assets | 0.4720% | 4,185 |
Net interest margin | 4.2376% | 1,174 |
Noninterest income to average assets | 0.9510% | 1,650 |
Noninterest expense to average assets | 2.2212% | 5,573 |
Loan and lease loss provision to assets | 0.1123% | 2,937 |
Net operating income to assets | 1.5659% | 795 |
Return on assets (ROA) | 1.5659% | 864 |
Pretax return on assets | 2.4901% | 278 |
Return on Equity (ROE) | 16.3466% | 628 |
Retained earnings to average equity (ytd only) | 4.1045% | 3,680 |
Net charge-offs to loans | -0.0204% | 5,976 |
Credit loss provision to net charge-offs | -679.3103% | 5,970 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 45.9776% | 6,636 |
Assets per employee ($millions) | 5.4208% | 1,668 |
Cash dividends to net income (ytd only)* | 74.8908% | 1,043 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0565% | 5,596 |
Loan loss allowance to noncurrent loans | 396.7949% | 1,079 |
Noncurrent assets plus other real estate owned to assets | 0.2338% | 5,788 |
Noncurrent loans to loans | 0.2663% | 5,646 |
Net loans and leases to total assets | 83.5469% | 265 |
Net loans and leases to deposits | 99.1635% | 471 |
Net loans and leases to core deposits | 106.9675% | 689 |
Total domestic deposits to total assets | 84.2517% | 4,220 |
Equity capital to assets | 9.7711% | 4,215 |
Core capital (leverage) ratio | 9.6780% | 3,972 |
Tier 1 risk-based capital ratio | 12.5714% | 5,454 |
Total risk-based capital ratio | 13.7844% | 5,415 |
Memoranda: | ||
Average total assets | $350,986,000 | 1,857 |
Average earning assets | $320,744,330 | 1,869 |
Average equity | $33,621,670 | 2,073 |
Average total loans | $284,480,330 | 1,494 |
2013-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6364% | 1,724 |
Cost of funding earning assets | 0.4891% | 4,187 |
Net interest margin | 4.1473% | 1,335 |
Noninterest income to average assets | 0.9779% | 1,526 |
Noninterest expense to average assets | 2.2039% | 5,681 |
Loan and lease loss provision to assets | 0.1020% | 2,977 |
Net operating income to assets | 1.5331% | 793 |
Return on assets (ROA) | 1.5331% | 870 |
Pretax return on assets | 2.4384% | 294 |
Return on Equity (ROE) | 16.1634% | 590 |
Retained earnings to average equity (ytd only) | 3.7751% | 3,974 |
Net charge-offs to loans | 0.0414% | 3,455 |
Credit loss provision to net charge-offs | 310.3448% | 777 |
Earnings coverage of net charge-offs (x) | 77.3103% | 482 |
Efficiency ratio | 46.3817% | 6,677 |
Assets per employee ($millions) | 5.6313% | 1,558 |
Cash dividends to net income (ytd only)* | 76.6445% | 947 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0677% | 5,723 |
Loan loss allowance to noncurrent loans | 571.1501% | 762 |
Noncurrent assets plus other real estate owned to assets | 0.1736% | 6,052 |
Noncurrent loans to loans | 0.1869% | 5,936 |
Net loans and leases to total assets | 76.5228% | 776 |
Net loans and leases to deposits | 90.2640% | 942 |
Net loans and leases to core deposits | 98.6698% | 1,035 |
Total domestic deposits to total assets | 84.7766% | 4,145 |
Equity capital to assets | 9.4805% | 4,876 |
Core capital (leverage) ratio | 9.6263% | 3,875 |
Tier 1 risk-based capital ratio | 13.1324% | 5,118 |
Total risk-based capital ratio | 14.3491% | 5,098 |
Memoranda: | ||
Average total assets | $353,013,000 | 1,875 |
Average earning assets | $320,596,000 | 1,892 |
Average equity | $33,483,000 | 2,109 |
Average total loans | $280,247,500 | 1,522 |
2012-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0586% | 1,406 |
Cost of funding earning assets | 0.6664% | 3,774 |
Net interest margin | 4.3922% | 1,175 |
Noninterest income to average assets | 1.0765% | 1,345 |
Noninterest expense to average assets | 2.1723% | 5,985 |
Loan and lease loss provision to assets | 0.0911% | 4,544 |
Net operating income to assets | 1.7889% | 518 |
Return on assets (ROA) | 1.7889% | 583 |
Pretax return on assets | 2.8488% | 163 |
Return on Equity (ROE) | 18.9530% | 360 |
Retained earnings to average equity (ytd only) | 4.8988% | 2,766 |
Net charge-offs to loans | 0.0996% | 4,672 |
Credit loss provision to net charge-offs | 112.9496% | 2,576 |
Earnings coverage of net charge-offs (x) | 36.4568% | 867 |
Efficiency ratio | 42.4251% | 6,886 |
Assets per employee ($millions) | 5.4040% | 1,776 |
Cash dividends to net income (ytd only)* | 74.1527% | 1,207 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0028% | 5,948 |
Loan loss allowance to noncurrent loans | 675.0588% | 631 |
Noncurrent assets plus other real estate owned to assets | 0.1503% | 6,187 |
Noncurrent loans to loans | 0.1486% | 6,106 |
Net loans and leases to total assets | 80.6296% | 409 |
Net loans and leases to deposits | 94.5667% | 715 |
Net loans and leases to core deposits | 103.8068% | 800 |
Total domestic deposits to total assets | 85.2621% | 3,734 |
Equity capital to assets | 9.4893% | 4,890 |
Core capital (leverage) ratio | 9.6361% | 3,910 |
Tier 1 risk-based capital ratio | 12.5844% | 5,409 |
Total risk-based capital ratio | 13.7384% | 5,441 |
Memoranda: | ||
Average total assets | $344,743,200 | 1,879 |
Average earning assets | $316,768,600 | 1,868 |
Average equity | $32,538,400 | 2,123 |
Average total loans | $279,056,400 | 1,491 |
2012-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0562% | 1,542 |
Cost of funding earning assets | 0.6979% | 3,785 |
Net interest margin | 4.3583% | 1,326 |
Noninterest income to average assets | 1.0675% | 1,325 |
Noninterest expense to average assets | 2.1512% | 6,066 |
Loan and lease loss provision to assets | 0.1107% | 4,183 |
Net operating income to assets | 1.7723% | 605 |
Return on assets (ROA) | 1.7723% | 672 |
Pretax return on assets | 2.8215% | 184 |
Return on Equity (ROE) | 18.8039% | 416 |
Retained earnings to average equity (ytd only) | 5.0916% | 3,304 |
Net charge-offs to loans | 0.0861% | 4,528 |
Credit loss provision to net charge-offs | 159.2179% | 1,758 |
Earnings coverage of net charge-offs (x) | 42.1565% | 846 |
Efficiency ratio | 42.2489% | 6,958 |
Assets per employee ($millions) | 5.3650% | 1,769 |
Cash dividends to net income (ytd only)* | 72.9227% | 839 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9960% | 6,103 |
Loan loss allowance to noncurrent loans | 496.4527% | 776 |
Noncurrent assets plus other real estate owned to assets | 0.2280% | 6,133 |
Noncurrent loans to loans | 0.2006% | 6,107 |
Net loans and leases to total assets | 85.0800% | 182 |
Net loans and leases to deposits | 100.0377% | 431 |
Net loans and leases to core deposits | 110.6831% | 546 |
Total domestic deposits to total assets | 85.0479% | 3,723 |
Equity capital to assets | 9.6060% | 5,052 |
Core capital (leverage) ratio | 9.5383% | 4,211 |
Tier 1 risk-based capital ratio | 12.0485% | 5,910 |
Total risk-based capital ratio | 13.1915% | 5,957 |
Memoranda: | ||
Average total assets | $343,114,750 | 1,902 |
Average earning assets | $316,169,250 | 1,894 |
Average equity | $32,340,000 | 2,145 |
Average total loans | $277,299,000 | 1,514 |
2012-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9461% | 1,936 |
Cost of funding earning assets | 0.7208% | 3,842 |
Net interest margin | 4.2253% | 1,682 |
Noninterest income to average assets | 1.0250% | 1,391 |
Noninterest expense to average assets | 2.1467% | 6,132 |
Loan and lease loss provision to assets | 0.1073% | 4,183 |
Net operating income to assets | 1.6675% | 721 |
Return on assets (ROA) | 1.6675% | 807 |
Pretax return on assets | 2.6499% | 242 |
Return on Equity (ROE) | 17.8051% | 529 |
Retained earnings to average equity (ytd only) | 4.7439% | 3,447 |
Net charge-offs to loans | 0.0811% | 4,335 |
Credit loss provision to net charge-offs | 167.2727% | 1,665 |
Earnings coverage of net charge-offs (x) | 42.9909% | 830 |
Efficiency ratio | 43.7047% | 6,964 |
Assets per employee ($millions) | 5.3427% | 1,779 |
Cash dividends to net income (ytd only)* | 73.3566% | 985 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0168% | 6,083 |
Loan loss allowance to noncurrent loans | 626.5086% | 610 |
Noncurrent assets plus other real estate owned to assets | 0.1682% | 6,371 |
Noncurrent loans to loans | 0.1623% | 6,259 |
Net loans and leases to total assets | 82.7585% | 284 |
Net loans and leases to deposits | 96.1911% | 619 |
Net loans and leases to core deposits | 104.4323% | 828 |
Total domestic deposits to total assets | 86.0354% | 3,342 |
Equity capital to assets | 9.5066% | 5,048 |
Core capital (leverage) ratio | 9.3959% | 4,303 |
Tier 1 risk-based capital ratio | 12.2065% | 5,790 |
Total risk-based capital ratio | 13.3694% | 5,827 |
Memoranda: | ||
Average total assets | $343,034,000 | 1,903 |
Average earning assets | $314,913,670 | 1,893 |
Average equity | $32,125,670 | 2,144 |
Average total loans | $271,376,330 | 1,544 |
2012-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8431% | 2,471 |
Cost of funding earning assets | 0.7521% | 3,847 |
Net interest margin | 4.0910% | 2,133 |
Noninterest income to average assets | 0.9942% | 1,441 |
Noninterest expense to average assets | 2.1328% | 6,194 |
Loan and lease loss provision to assets | 0.1013% | 4,068 |
Net operating income to assets | 1.5786% | 896 |
Return on assets (ROA) | 1.5786% | 1,003 |
Pretax return on assets | 2.5088% | 327 |
Return on Equity (ROE) | 16.9842% | 676 |
Retained earnings to average equity (ytd only) | 4.9725% | 3,571 |
Net charge-offs to loans | 0.1772% | 3,035 |
Credit loss provision to net charge-offs | 74.3590% | 2,840 |
Earnings coverage of net charge-offs (x) | 19.1624% | 1,234 |
Efficiency ratio | 44.8945% | 6,956 |
Assets per employee ($millions) | 5.5051% | 1,689 |
Cash dividends to net income (ytd only)* | 70.7227% | 972 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0603% | 6,045 |
Loan loss allowance to noncurrent loans | 264.4340% | 1,275 |
Noncurrent assets plus other real estate owned to assets | 0.3895% | 5,896 |
Noncurrent loans to loans | 0.4010% | 5,870 |
Net loans and leases to total assets | 75.4120% | 870 |
Net loans and leases to deposits | 87.3778% | 1,243 |
Net loans and leases to core deposits | 95.5046% | 1,332 |
Total domestic deposits to total assets | 86.3057% | 3,355 |
Equity capital to assets | 9.2646% | 5,139 |
Core capital (leverage) ratio | 9.3588% | 4,265 |
Tier 1 risk-based capital ratio | 13.1120% | 5,125 |
Total risk-based capital ratio | 14.3330% | 5,109 |
Memoranda: | ||
Average total assets | $343,586,000 | 1,912 |
Average earning assets | $314,837,500 | 1,904 |
Average equity | $31,935,500 | 2,155 |
Average total loans | $264,123,000 | 1,584 |
2011-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.4192% | 1,366 |
Cost of funding earning assets | 0.8642% | 4,363 |
Net interest margin | 4.5550% | 1,014 |
Noninterest income to average assets | 0.9652% | 1,459 |
Noninterest expense to average assets | 2.0466% | 6,588 |
Loan and lease loss provision to assets | 0.1236% | 5,058 |
Net operating income to assets | 1.8827% | 391 |
Return on assets (ROA) | 1.8827% | 428 |
Pretax return on assets | 2.9895% | 127 |
Return on Equity (ROE) | 19.5758% | 280 |
Retained earnings to average equity (ytd only) | 4.8569% | 2,746 |
Net charge-offs to loans | 0.0427% | 5,879 |
Credit loss provision to net charge-offs | 353.0973% | 654 |
Earnings coverage of net charge-offs (x) | 88.9381% | 333 |
Efficiency ratio | 39.5930% | 7,220 |
Assets per employee ($millions) | 5.4023% | 1,743 |
Cash dividends to net income (ytd only)* | 75.1892% | 945 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0735% | 5,912 |
Loan loss allowance to noncurrent loans | 763.6119% | 493 |
Noncurrent assets plus other real estate owned to assets | 0.1854% | 6,487 |
Noncurrent loans to loans | 0.1406% | 6,460 |
Net loans and leases to total assets | 76.7047% | 866 |
Net loans and leases to deposits | 88.4884% | 1,321 |
Net loans and leases to core deposits | 96.2026% | 1,476 |
Total domestic deposits to total assets | 86.6833% | 2,925 |
Equity capital to assets | 9.3255% | 5,115 |
Core capital (leverage) ratio | 9.4851% | 4,050 |
Tier 1 risk-based capital ratio | 12.8374% | 5,209 |
Total risk-based capital ratio | 14.0604% | 5,211 |
Memoranda: | ||
Average total assets | $322,832,600 | 1,995 |
Average earning assets | $297,277,800 | 1,973 |
Average equity | $31,048,600 | 2,125 |
Average total loans | $264,682,200 | 1,589 |
2011-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.4456% | 1,400 |
Cost of funding earning assets | 0.8763% | 4,577 |
Net interest margin | 4.5693% | 1,008 |
Noninterest income to average assets | 0.9341% | 1,535 |
Noninterest expense to average assets | 2.0603% | 6,571 |
Loan and lease loss provision to assets | 0.1256% | 4,858 |
Net operating income to assets | 1.8715% | 451 |
Return on assets (ROA) | 1.8715% | 488 |
Pretax return on assets | 2.9680% | 142 |
Return on Equity (ROE) | 19.3025% | 356 |
Retained earnings to average equity (ytd only) | 5.1258% | 3,094 |
Net charge-offs to loans | 0.0221% | 5,838 |
Credit loss provision to net charge-offs | 681.8182% | 394 |
Earnings coverage of net charge-offs (x) | 167.9180% | 229 |
Efficiency ratio | 39.9106% | 7,262 |
Assets per employee ($millions) | 5.1241% | 2,030 |
Cash dividends to net income (ytd only)* | 73.4451% | 784 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0053% | 6,238 |
Loan loss allowance to noncurrent loans | 381.3605% | 850 |
Noncurrent assets plus other real estate owned to assets | 0.3248% | 6,260 |
Noncurrent loans to loans | 0.2636% | 6,348 |
Net loans and leases to total assets | 84.1688% | 210 |
Net loans and leases to deposits | 97.9879% | 578 |
Net loans and leases to core deposits | 106.2137% | 850 |
Total domestic deposits to total assets | 85.8972% | 3,268 |
Equity capital to assets | 9.5825% | 4,954 |
Core capital (leverage) ratio | 9.7499% | 3,775 |
Tier 1 risk-based capital ratio | 11.9369% | 5,939 |
Total risk-based capital ratio | 13.0745% | 6,001 |
Memoranda: | ||
Average total assets | $318,453,750 | 2,018 |
Average earning assets | $294,101,000 | 1,997 |
Average equity | $30,876,000 | 2,143 |
Average total loans | $264,878,750 | 1,605 |
2011-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3576% | 1,701 |
Cost of funding earning assets | 0.8951% | 4,710 |
Net interest margin | 4.4625% | 1,219 |
Noninterest income to average assets | 0.8843% | 1,698 |
Noninterest expense to average assets | 2.0977% | 6,595 |
Loan and lease loss provision to assets | 0.1313% | 4,654 |
Net operating income to assets | 1.7622% | 541 |
Return on assets (ROA) | 1.7622% | 580 |
Pretax return on assets | 2.7822% | 170 |
Return on Equity (ROE) | 18.1018% | 460 |
Retained earnings to average equity (ytd only) | 4.5678% | 3,280 |
Net charge-offs to loans | -0.0046% | 6,580 |
Credit loss provision to net charge-offs | -3,450.0000% | 6,746 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 41.7848% | 7,305 |
Assets per employee ($millions) | 4.6534% | 2,609 |
Cash dividends to net income (ytd only)* | 74.7660% | 919 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0564% | 6,111 |
Loan loss allowance to noncurrent loans | 384.9372% | 836 |
Noncurrent assets plus other real estate owned to assets | 0.3409% | 6,278 |
Noncurrent loans to loans | 0.2744% | 6,373 |
Net loans and leases to total assets | 84.1714% | 234 |
Net loans and leases to deposits | 98.9834% | 544 |
Net loans and leases to core deposits | 105.3886% | 967 |
Total domestic deposits to total assets | 85.0358% | 3,861 |
Equity capital to assets | 10.0747% | 4,056 |
Core capital (leverage) ratio | 9.9026% | 3,386 |
Tier 1 risk-based capital ratio | 12.5536% | 5,289 |
Total risk-based capital ratio | 13.7515% | 5,322 |
Memoranda: | ||
Average total assets | $315,291,000 | 2,044 |
Average earning assets | $291,587,000 | 2,029 |
Average equity | $30,693,000 | 2,143 |
Average total loans | $260,229,000 | 1,654 |
2011-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2504% | 2,048 |
Cost of funding earning assets | 0.9441% | 4,616 |
Net interest margin | 4.3063% | 1,543 |
Noninterest income to average assets | 0.7928% | 2,059 |
Noninterest expense to average assets | 2.0728% | 6,688 |
Loan and lease loss provision to assets | 0.1328% | 4,343 |
Net operating income to assets | 1.6244% | 657 |
Return on assets (ROA) | 1.6244% | 695 |
Pretax return on assets | 2.5575% | 233 |
Return on Equity (ROE) | 16.9717% | 573 |
Retained earnings to average equity (ytd only) | 8.6625% | 1,504 |
Net charge-offs to loans | -0.0216% | 6,589 |
Credit loss provision to net charge-offs | -757.1429% | 6,062 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 43.4394% | 7,302 |
Assets per employee ($millions) | 4.9251% | 2,263 |
Cash dividends to net income (ytd only)* | 48.9591% | 1,508 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0555% | 6,202 |
Loan loss allowance to noncurrent loans | 325.6410% | 946 |
Noncurrent assets plus other real estate owned to assets | 0.4435% | 6,100 |
Noncurrent loans to loans | 0.3241% | 6,342 |
Net loans and leases to total assets | 80.5750% | 467 |
Net loans and leases to deposits | 94.4143% | 791 |
Net loans and leases to core deposits | 100.3915% | 1,307 |
Total domestic deposits to total assets | 85.3420% | 3,871 |
Equity capital to assets | 9.9584% | 3,828 |
Core capital (leverage) ratio | 9.7006% | 3,524 |
Tier 1 risk-based capital ratio | 12.8025% | 4,975 |
Total risk-based capital ratio | 13.9871% | 5,007 |
Memoranda: | ||
Average total assets | $319,373,000 | 2,040 |
Average earning assets | $294,453,500 | 2,028 |
Average equity | $30,568,500 | 2,143 |
Average total loans | $259,707,000 | 1,675 |
2010-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.5959% | 1,907 |
Cost of funding earning assets | 1.2470% | 4,237 |
Net interest margin | 4.3489% | 1,651 |
Noninterest income to average assets | 0.9121% | 1,806 |
Noninterest expense to average assets | 2.0805% | 6,893 |
Loan and lease loss provision to assets | 0.1608% | 5,603 |
Net operating income to assets | 1.7182% | 496 |
Return on assets (ROA) | 1.7182% | 539 |
Pretax return on assets | 2.6766% | 157 |
Return on Equity (ROE) | 19.0527% | 311 |
Retained earnings to average equity (ytd only) | 9.5871% | 590 |
Net charge-offs to loans | 0.1948% | 5,127 |
Credit loss provision to net charge-offs | 100.0000% | 4,560 |
Earnings coverage of net charge-offs (x) | 17.6420% | 1,137 |
Efficiency ratio | 42.2282% | 7,457 |
Assets per employee ($millions) | 5.2978% | 1,757 |
Cash dividends to net income (ytd only)* | 49.6813% | 2,093 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9549% | 6,556 |
Loan loss allowance to noncurrent loans | 343.7247% | 904 |
Noncurrent assets plus other real estate owned to assets | 0.2536% | 6,608 |
Noncurrent loans to loans | 0.2778% | 6,504 |
Net loans and leases to total assets | 80.4320% | 609 |
Net loans and leases to deposits | 95.4061% | 920 |
Net loans and leases to core deposits | 103.0579% | 1,383 |
Total domestic deposits to total assets | 84.3049% | 4,224 |
Equity capital to assets | 9.2059% | 4,831 |
Core capital (leverage) ratio | 9.0850% | 4,381 |
Tier 1 risk-based capital ratio | 11.8449% | 5,619 |
Total risk-based capital ratio | 12.9178% | 5,760 |
Memoranda: | ||
Average total assets | $319,586,800 | 2,040 |
Average earning assets | $294,375,800 | 2,019 |
Average equity | $28,820,000 | 2,255 |
Average total loans | $263,834,400 | 1,681 |
2010-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.6295% | 1,949 |
Cost of funding earning assets | 1.2725% | 4,419 |
Net interest margin | 4.3571% | 1,654 |
Noninterest income to average assets | 0.8684% | 1,920 |
Noninterest expense to average assets | 2.0917% | 6,862 |
Loan and lease loss provision to assets | 0.1630% | 5,407 |
Net operating income to assets | 1.6876% | 637 |
Return on assets (ROA) | 1.6876% | 692 |
Pretax return on assets | 2.6156% | 195 |
Return on Equity (ROE) | 18.8153% | 402 |
Retained earnings to average equity (ytd only) | 9.4334% | 926 |
Net charge-offs to loans | 0.1343% | 5,225 |
Credit loss provision to net charge-offs | 146.4151% | 2,687 |
Earnings coverage of net charge-offs (x) | 24.9588% | 1,010 |
Efficiency ratio | 42.8707% | 7,503 |
Assets per employee ($millions) | 5.0357% | 2,128 |
Cash dividends to net income (ytd only)* | 49.8630% | 1,629 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9822% | 6,473 |
Loan loss allowance to noncurrent loans | 496.2825% | 605 |
Noncurrent assets plus other real estate owned to assets | 0.2612% | 6,719 |
Noncurrent loans to loans | 0.1979% | 6,780 |
Net loans and leases to total assets | 82.2342% | 470 |
Net loans and leases to deposits | 97.2013% | 864 |
Net loans and leases to core deposits | 105.5689% | 1,355 |
Total domestic deposits to total assets | 84.6019% | 3,828 |
Equity capital to assets | 9.0101% | 5,564 |
Core capital (leverage) ratio | 8.9974% | 4,698 |
Tier 1 risk-based capital ratio | 11.3158% | 6,087 |
Total risk-based capital ratio | 12.4149% | 6,226 |
Memoranda: | ||
Average total assets | $317,367,250 | 2,082 |
Average earning assets | $291,503,750 | 2,064 |
Average equity | $28,465,500 | 2,313 |
Average total loans | $263,108,500 | 1,707 |
2010-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.5884% | 2,181 |
Cost of funding earning assets | 1.2838% | 4,625 |
Net interest margin | 4.3046% | 1,755 |
Noninterest income to average assets | 0.8559% | 1,854 |
Noninterest expense to average assets | 2.1181% | 6,845 |
Loan and lease loss provision to assets | 0.1624% | 5,265 |
Net operating income to assets | 1.6316% | 677 |
Return on assets (ROA) | 1.6316% | 728 |
Pretax return on assets | 2.5193% | 226 |
Return on Equity (ROE) | 18.2197% | 444 |
Retained earnings to average equity (ytd only) | 9.1454% | 1,063 |
Net charge-offs to loans | 0.1791% | 4,536 |
Credit loss provision to net charge-offs | 109.4421% | 3,729 |
Earnings coverage of net charge-offs (x) | 18.0730% | 1,304 |
Efficiency ratio | 44.0494% | 7,522 |
Assets per employee ($millions) | 4.7112% | 2,567 |
Cash dividends to net income (ytd only)* | 49.8048% | 1,695 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9695% | 6,524 |
Loan loss allowance to noncurrent loans | 629.6569% | 523 |
Noncurrent assets plus other real estate owned to assets | 0.2813% | 6,713 |
Noncurrent loans to loans | 0.1540% | 6,955 |
Net loans and leases to total assets | 83.1358% | 421 |
Net loans and leases to deposits | 98.6108% | 822 |
Net loans and leases to core deposits | 106.3592% | 1,407 |
Total domestic deposits to total assets | 84.3070% | 3,956 |
Equity capital to assets | 9.1148% | 5,271 |
Core capital (leverage) ratio | 9.0785% | 4,482 |
Tier 1 risk-based capital ratio | 11.3915% | 5,875 |
Total risk-based capital ratio | 12.4860% | 5,991 |
Memoranda: | ||
Average total assets | $314,049,670 | 2,123 |
Average earning assets | $287,739,000 | 2,101 |
Average equity | $28,123,330 | 2,330 |
Average total loans | $260,198,330 | 1,753 |
2010-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.5273% | 2,467 |
Cost of funding earning assets | 1.3313% | 4,618 |
Net interest margin | 4.1960% | 2,055 |
Noninterest income to average assets | 0.7917% | 2,065 |
Noninterest expense to average assets | 2.1031% | 6,933 |
Loan and lease loss provision to assets | 0.1532% | 5,003 |
Net operating income to assets | 1.5221% | 865 |
Return on assets (ROA) | 1.5221% | 925 |
Pretax return on assets | 2.3828% | 300 |
Return on Equity (ROE) | 17.1514% | 591 |
Retained earnings to average equity (ytd only) | 9.4102% | 1,295 |
Net charge-offs to loans | 0.0807% | 4,612 |
Credit loss provision to net charge-offs | 230.7692% | 1,651 |
Earnings coverage of net charge-offs (x) | 38.1923% | 718 |
Efficiency ratio | 45.2519% | 7,579 |
Assets per employee ($millions) | 4.7525% | 2,566 |
Cash dividends to net income (ytd only)* | 45.1342% | 1,607 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0215% | 6,353 |
Loan loss allowance to noncurrent loans | 312.4253% | 961 |
Noncurrent assets plus other real estate owned to assets | 0.3813% | 6,516 |
Noncurrent loans to loans | 0.3269% | 6,644 |
Net loans and leases to total assets | 80.7839% | 738 |
Net loans and leases to deposits | 95.8819% | 1,122 |
Net loans and leases to core deposits | 101.6019% | 1,963 |
Total domestic deposits to total assets | 84.2535% | 4,015 |
Equity capital to assets | 8.9666% | 5,328 |
Core capital (leverage) ratio | 8.8802% | 4,756 |
Tier 1 risk-based capital ratio | 11.4554% | 5,716 |
Total risk-based capital ratio | 12.6004% | 5,783 |
Memoranda: | ||
Average total assets | $313,249,500 | 2,173 |
Average earning assets | $287,229,000 | 2,161 |
Average equity | $27,799,500 | 2,384 |
Average total loans | $257,804,000 | 1,817 |
2009-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.7862% | 2,713 |
Cost of funding earning assets | 1.7072% | 4,465 |
Net interest margin | 4.0790% | 2,537 |
Noninterest income to average assets | 0.9158% | 1,884 |
Noninterest expense to average assets | 2.2246% | 6,928 |
Loan and lease loss provision to assets | 0.1648% | 6,041 |
Net operating income to assets | 1.4578% | 740 |
Return on assets (ROA) | 1.4578% | 804 |
Pretax return on assets | 2.2820% | 233 |
Return on Equity (ROE) | 16.7553% | 478 |
Retained earnings to average equity (ytd only) | 8.3815% | 611 |
Net charge-offs to loans | 0.1698% | 5,585 |
Credit loss provision to net charge-offs | 116.0093% | 4,681 |
Earnings coverage of net charge-offs (x) | 17.2204% | 1,202 |
Efficiency ratio | 47.5371% | 7,648 |
Assets per employee ($millions) | 4.5338% | 2,868 |
Cash dividends to net income (ytd only)* | 49.9774% | 2,474 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9811% | 6,484 |
Loan loss allowance to noncurrent loans | 179.1139% | 1,639 |
Noncurrent assets plus other real estate owned to assets | 0.6815% | 5,748 |
Noncurrent loans to loans | 0.5478% | 6,145 |
Net loans and leases to total assets | 82.1698% | 664 |
Net loans and leases to deposits | 97.6186% | 1,145 |
Net loans and leases to core deposits | 129.9661% | 1,289 |
Total domestic deposits to total assets | 84.1744% | 3,953 |
Equity capital to assets | 8.7823% | 5,469 |
Core capital (leverage) ratio | 8.6870% | 4,941 |
Tier 1 risk-based capital ratio | 10.8797% | 6,030 |
Total risk-based capital ratio | 11.9663% | 6,169 |
Memoranda: | ||
Average total assets | $303,336,200 | 2,195 |
Average earning assets | $279,285,800 | 2,187 |
Average equity | $26,391,600 | 2,498 |
Average total loans | $253,863,000 | 1,871 |
2009-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.7384% | 3,147 |
Cost of funding earning assets | 1.7478% | 4,647 |
Net interest margin | 3.9906% | 2,861 |
Noninterest income to average assets | 0.9445% | 1,800 |
Noninterest expense to average assets | 2.2363% | 6,883 |
Loan and lease loss provision to assets | 0.1652% | 5,705 |
Net operating income to assets | 1.4216% | 977 |
Return on assets (ROA) | 1.4216% | 1,044 |
Pretax return on assets | 2.2248% | 328 |
Return on Equity (ROE) | 16.3798% | 609 |
Retained earnings to average equity (ytd only) | 8.2537% | 1,060 |
Net charge-offs to loans | 0.0919% | 5,766 |
Credit loss provision to net charge-offs | 214.3678% | 2,046 |
Earnings coverage of net charge-offs (x) | 31.0063% | 914 |
Efficiency ratio | 48.2524% | 7,653 |
Assets per employee ($millions) | 4.2422% | 3,304 |
Cash dividends to net income (ytd only)* | 49.6104% | 2,024 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9918% | 6,344 |
Loan loss allowance to noncurrent loans | 178.9439% | 1,640 |
Noncurrent assets plus other real estate owned to assets | 0.5929% | 5,970 |
Noncurrent loans to loans | 0.5543% | 6,207 |
Net loans and leases to total assets | 86.2905% | 324 |
Net loans and leases to deposits | 103.4813% | 811 |
Net loans and leases to core deposits | 140.3614% | 898 |
Total domestic deposits to total assets | 83.3875% | 4,024 |
Equity capital to assets | 8.6882% | 5,973 |
Core capital (leverage) ratio | 8.6031% | 5,299 |
Tier 1 risk-based capital ratio | 10.3961% | 6,575 |
Total risk-based capital ratio | 11.5088% | 6,667 |
Memoranda: | ||
Average total assets | $300,961,500 | 2,223 |
Average earning assets | $277,677,750 | 2,212 |
Average equity | $26,121,000 | 2,549 |
Average total loans | $252,428,000 | 1,903 |
2009-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.5898% | 4,127 |
Cost of funding earning assets | 1.7829% | 4,840 |
Net interest margin | 3.8069% | 3,528 |
Noninterest income to average assets | 0.9924% | 1,616 |
Noninterest expense to average assets | 2.2586% | 6,892 |
Loan and lease loss provision to assets | 0.1704% | 5,363 |
Net operating income to assets | 1.3340% | 1,150 |
Return on assets (ROA) | 1.3340% | 1,224 |
Pretax return on assets | 2.0708% | 466 |
Return on Equity (ROE) | 15.3755% | 771 |
Retained earnings to average equity (ytd only) | 8.0203% | 1,200 |
Net charge-offs to loans | 0.1184% | 4,976 |
Credit loss provision to net charge-offs | 173.9726% | 2,642 |
Earnings coverage of net charge-offs (x) | 22.8767% | 1,204 |
Efficiency ratio | 50.1044% | 7,660 |
Assets per employee ($millions) | 4.3326% | 3,051 |
Cash dividends to net income (ytd only)* | 47.8370% | 2,129 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0138% | 6,127 |
Loan loss allowance to noncurrent loans | 399.0741% | 794 |
Noncurrent assets plus other real estate owned to assets | 0.3618% | 6,547 |
Noncurrent loans to loans | 0.2540% | 6,881 |
Net loans and leases to total assets | 82.0819% | 942 |
Net loans and leases to deposits | 97.5721% | 1,592 |
Net loans and leases to core deposits | 129.3555% | 1,625 |
Total domestic deposits to total assets | 84.1244% | 3,700 |
Equity capital to assets | 8.5512% | 5,973 |
Core capital (leverage) ratio | 8.6886% | 5,109 |
Tier 1 risk-based capital ratio | 10.6953% | 6,190 |
Total risk-based capital ratio | 11.8284% | 6,254 |
Memoranda: | ||
Average total assets | $298,054,330 | 2,265 |
Average earning assets | $274,606,000 | 2,253 |
Average equity | $25,859,330 | 2,568 |
Average total loans | $246,602,670 | 1,962 |
2009-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.5235% | 4,790 |
Cost of funding earning assets | 1.8771% | 4,756 |
Net interest margin | 3.6464% | 4,116 |
Noninterest income to average assets | 0.9438% | 1,673 |
Noninterest expense to average assets | 2.2259% | 6,783 |
Loan and lease loss provision to assets | 0.1650% | 4,818 |
Net operating income to assets | 1.2453% | 1,520 |
Return on assets (ROA) | 1.2453% | 1,628 |
Pretax return on assets | 1.9204% | 765 |
Return on Equity (ROE) | 14.2453% | 1,120 |
Retained earnings to average equity (ytd only) | 8.3319% | 1,690 |
Net charge-offs to loans | 0.2113% | 3,368 |
Credit loss provision to net charge-offs | 94.5313% | 3,904 |
Earnings coverage of net charge-offs (x) | 11.9453% | 1,834 |
Efficiency ratio | 51.5343% | 7,466 |
Assets per employee ($millions) | 4.2294% | 3,209 |
Cash dividends to net income (ytd only)* | 41.5115% | 2,027 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0388% | 5,872 |
Loan loss allowance to noncurrent loans | 781.9620% | 484 |
Noncurrent assets plus other real estate owned to assets | 0.3762% | 6,378 |
Noncurrent loans to loans | 0.1328% | 7,141 |
Net loans and leases to total assets | 80.6620% | 1,264 |
Net loans and leases to deposits | 96.0573% | 1,935 |
Net loans and leases to core deposits | 121.9504% | 2,261 |
Total domestic deposits to total assets | 83.9729% | 3,717 |
Equity capital to assets | 8.8695% | 5,526 |
Core capital (leverage) ratio | 8.6625% | 5,227 |
Tier 1 risk-based capital ratio | 11.2588% | 5,636 |
Total risk-based capital ratio | 12.4248% | 5,645 |
Memoranda: | ||
Average total assets | $293,273,000 | 2,312 |
Average earning assets | $270,844,000 | 2,285 |
Average equity | $25,636,500 | 2,599 |
Average total loans | $242,362,000 | 2,006 |
2008-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.3615% | 3,631 |
Cost of funding earning assets | 2.6054% | 3,665 |
Net interest margin | 3.7561% | 4,199 |
Noninterest income to average assets | 0.7485% | 2,797 |
Noninterest expense to average assets | 2.1452% | 7,127 |
Loan and lease loss provision to assets | 0.1672% | 5,242 |
Net operating income to assets | 1.2335% | 1,673 |
Return on assets (ROA) | 1.2335% | 1,617 |
Pretax return on assets | 1.8913% | 781 |
Return on Equity (ROE) | 14.3612% | 1,038 |
Retained earnings to average equity (ytd only) | 7.2566% | 1,068 |
Net charge-offs to loans | 0.1104% | 5,171 |
Credit loss provision to net charge-offs | 183.0116% | 2,723 |
Earnings coverage of net charge-offs (x) | 22.5328% | 1,469 |
Efficiency ratio | 50.9314% | 7,591 |
Assets per employee ($millions) | 4.0933% | 3,321 |
Cash dividends to net income (ytd only)* | 49.4710% | 3,155 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0038% | 6,015 |
Loan loss allowance to noncurrent loans | 1,086.8421% | 469 |
Noncurrent assets plus other real estate owned to assets | 0.0774% | 7,256 |
Noncurrent loans to loans | 0.0924% | 7,147 |
Net loans and leases to total assets | 82.9202% | 1,057 |
Net loans and leases to deposits | 97.8749% | 2,142 |
Net loans and leases to core deposits | 125.3322% | 2,225 |
Total domestic deposits to total assets | 84.7205% | 2,966 |
Equity capital to assets | 8.6147% | 5,911 |
Core capital (leverage) ratio | 8.3727% | 5,813 |
Tier 1 risk-based capital ratio | 10.7398% | 5,962 |
Total risk-based capital ratio | 11.8788% | 5,966 |
Memoranda: | ||
Average total assets | $283,512,800 | 2,296 |
Average earning assets | $260,805,200 | 2,286 |
Average equity | $24,350,400 | 2,703 |
Average total loans | $234,579,600 | 2,011 |