Home > The Carney State Bank > Performance and Condition Ratios
The Carney State Bank, Performance and Condition Ratios
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5984% | 1,885 |
| Cost of funding earning assets | 0.5603% | 3,020 |
| Net interest margin | 4.0381% | 1,842 |
| Noninterest income to average assets | 0.4616% | 4,015 |
| Noninterest expense to average assets | 3.7578% | 1,204 |
| Loan and lease loss provision to assets | 0.0652% | 3,823 |
| Net operating income to assets | 0.2389% | 5,719 |
| Return on assets (ROA) | 0.2607% | 5,731 |
| Pretax return on assets | 0.2607% | 5,825 |
| Return on Equity (ROE) | 2.7335% | 5,605 |
| Retained earnings to average equity (ytd only) | 2.7335% | 4,290 |
| Net charge-offs to loans | 0.0898% | 3,950 |
| Credit loss provision to net charge-offs | 150.0000% | 1,545 |
| Earnings coverage of net charge-offs (x) | 7.0000% | 2,932 |
| Efficiency ratio | 92.5134% | 842 |
| Assets per employee ($millions) | 3.5338% | 4,837 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7414% | 6,288 |
| Loan loss allowance to noncurrent loans | 40.9357% | 5,604 |
| Noncurrent assets plus other real estate owned to assets | 1.1602% | 3,077 |
| Noncurrent loans to loans | 1.8111% | 2,219 |
| Net loans and leases to total assets | 53.0421% | 4,717 |
| Net loans and leases to deposits | 58.4873% | 5,079 |
| Net loans and leases to core deposits | 59.4255% | 5,263 |
| Total domestic deposits to total assets | 90.6899% | 708 |
| Equity capital to assets | 9.2648% | 4,727 |
| Core capital (leverage) ratio | 9.2320% | 4,670 |
| Tier 1 risk-based capital ratio | 19.9187% | 1,673 |
| Total risk-based capital ratio | 20.7556% | 1,746 |
| Memoranda: | ||
| Average total assets | $18,415,200 | 6,722 |
| Average earning assets | $16,418,600 | 6,711 |
| Average equity | $1,756,000 | 6,725 |
| Average total loans | $8,913,400 | 6,624 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5993% | 1,905 |
| Cost of funding earning assets | 0.5810% | 2,987 |
| Net interest margin | 4.0183% | 1,885 |
| Noninterest income to average assets | 0.4301% | 4,296 |
| Noninterest expense to average assets | 3.5982% | 1,400 |
| Loan and lease loss provision to assets | 0.0860% | 3,340 |
| Net operating income to assets | 0.3154% | 5,564 |
| Return on assets (ROA) | 0.4874% | 5,008 |
| Pretax return on assets | 0.4874% | 5,391 |
| Return on Equity (ROE) | 5.0769% | 4,687 |
| Retained earnings to average equity (ytd only) | 5.0769% | 3,023 |
| Net charge-offs to loans | 0.1215% | 3,330 |
| Credit loss provision to net charge-offs | 150.0000% | 1,565 |
| Earnings coverage of net charge-offs (x) | 6.9972% | 2,870 |
| Efficiency ratio | 89.9642% | 995 |
| Assets per employee ($millions) | 3.6250% | 4,609 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7465% | 6,379 |
| Loan loss allowance to noncurrent loans | 33.9806% | 5,844 |
| Noncurrent assets plus other real estate owned to assets | 1.2745% | 3,094 |
| Noncurrent loans to loans | 2.1969% | 2,015 |
| Net loans and leases to total assets | 51.3490% | 4,954 |
| Net loans and leases to deposits | 56.7881% | 5,305 |
| Net loans and leases to core deposits | 57.6749% | 5,474 |
| Total domestic deposits to total assets | 90.4221% | 776 |
| Equity capital to assets | 9.4510% | 4,615 |
| Core capital (leverage) ratio | 9.0465% | 5,055 |
| Tier 1 risk-based capital ratio | 20.5159% | 1,600 |
| Total risk-based capital ratio | 21.3677% | 1,679 |
| Memoranda: | ||
| Average total assets | $18,601,750 | 6,797 |
| Average earning assets | $16,523,750 | 6,787 |
| Average equity | $1,785,750 | 6,801 |
| Average total loans | $8,781,250 | 6,703 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6197% | 1,787 |
| Cost of funding earning assets | 0.6216% | 2,758 |
| Net interest margin | 3.9980% | 1,859 |
| Noninterest income to average assets | 0.3731% | 4,725 |
| Noninterest expense to average assets | 3.6246% | 1,374 |
| Loan and lease loss provision to assets | 0.0533% | 3,924 |
| Net operating income to assets | 0.1919% | 5,923 |
| Return on assets (ROA) | 0.4477% | 5,192 |
| Pretax return on assets | 0.4477% | 5,526 |
| Return on Equity (ROE) | 4.6409% | 4,928 |
| Retained earnings to average equity (ytd only) | 4.6409% | 3,301 |
| Net charge-offs to loans | -0.0233% | 6,018 |
| Credit loss provision to net charge-offs | -500.0000% | 5,903 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.6639% | 776 |
| Assets per employee ($millions) | 3.2305% | 5,411 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8082% | 6,338 |
| Loan loss allowance to noncurrent loans | 50.7042% | 5,173 |
| Noncurrent assets plus other real estate owned to assets | 0.8616% | 4,089 |
| Noncurrent loans to loans | 1.5939% | 2,919 |
| Net loans and leases to total assets | 45.5915% | 5,580 |
| Net loans and leases to deposits | 50.1589% | 5,826 |
| Net loans and leases to core deposits | 50.8868% | 5,972 |
| Total domestic deposits to total assets | 90.8941% | 582 |
| Equity capital to assets | 8.8841% | 5,345 |
| Core capital (leverage) ratio | 8.7148% | 5,397 |
| Tier 1 risk-based capital ratio | 20.2661% | 1,663 |
| Total risk-based capital ratio | 21.1452% | 1,719 |
| Memoranda: | ||
| Average total assets | $18,760,670 | 6,844 |
| Average earning assets | $16,408,000 | 6,837 |
| Average equity | $1,810,000 | 6,844 |
| Average total loans | $8,582,670 | 6,757 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6244% | 1,760 |
| Cost of funding earning assets | 0.6295% | 2,850 |
| Net interest margin | 3.9949% | 1,813 |
| Noninterest income to average assets | 0.3903% | 4,533 |
| Noninterest expense to average assets | 3.1437% | 2,532 |
| Loan and lease loss provision to assets | 0.1084% | 2,886 |
| Net operating income to assets | 0.7155% | 3,619 |
| Return on assets (ROA) | 1.2358% | 1,530 |
| Pretax return on assets | 1.2358% | 2,447 |
| Return on Equity (ROE) | 12.2977% | 1,345 |
| Retained earnings to average equity (ytd only) | 12.2977% | 658 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.2350% | 2,436 |
| Assets per employee ($millions) | 3.1025% | 5,819 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8067% | 6,448 |
| Loan loss allowance to noncurrent loans | 507.1429% | 844 |
| Noncurrent assets plus other real estate owned to assets | 0.2095% | 5,942 |
| Noncurrent loans to loans | 0.1591% | 5,997 |
| Net loans and leases to total assets | 46.8977% | 5,339 |
| Net loans and leases to deposits | 52.4073% | 5,583 |
| Net loans and leases to core deposits | 53.2090% | 5,732 |
| Total domestic deposits to total assets | 89.4870% | 1,362 |
| Equity capital to assets | 9.9543% | 4,204 |
| Core capital (leverage) ratio | 9.0083% | 4,869 |
| Tier 1 risk-based capital ratio | 21.5600% | 1,413 |
| Total risk-based capital ratio | 22.4739% | 1,459 |
| Memoranda: | ||
| Average total assets | $18,449,500 | 6,922 |
| Average earning assets | $16,521,000 | 6,905 |
| Average equity | $1,854,000 | 6,903 |
| Average total loans | $8,419,500 | 6,833 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6567% | 2,772 |
| Cost of funding earning assets | 1.1268% | 819 |
| Net interest margin | 3.5299% | 4,376 |
| Noninterest income to average assets | 0.4727% | 4,081 |
| Noninterest expense to average assets | 3.2061% | 2,588 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.1163% | 5,982 |
| Return on assets (ROA) | 0.8221% | 3,430 |
| Pretax return on assets | 1.2177% | 2,734 |
| Return on Equity (ROE) | 8.6787% | 2,801 |
| Retained earnings to average equity (ytd only) | 7.3226% | 1,413 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.6889% | 768 |
| Assets per employee ($millions) | 3.0473% | 5,942 |
| Cash dividends to net income (ytd only)* | 15.6250% | 3,903 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8211% | 6,445 |
| Loan loss allowance to noncurrent loans | 81.4815% | 3,861 |
| Noncurrent assets plus other real estate owned to assets | 0.5797% | 5,029 |
| Noncurrent loans to loans | 1.0077% | 4,178 |
| Net loans and leases to total assets | 43.6010% | 5,850 |
| Net loans and leases to deposits | 48.9380% | 6,039 |
| Net loans and leases to core deposits | 49.7038% | 6,165 |
| Total domestic deposits to total assets | 89.0943% | 1,498 |
| Equity capital to assets | 10.1455% | 3,972 |
| Core capital (leverage) ratio | 8.4912% | 5,623 |
| Tier 1 risk-based capital ratio | 22.6579% | 1,159 |
| Total risk-based capital ratio | 23.5821% | 1,182 |
| Memoranda: | ||
| Average total assets | $19,462,800 | 6,963 |
| Average earning assets | $16,062,800 | 6,977 |
| Average equity | $1,843,600 | 6,975 |
| Average total loans | $7,211,800 | 6,942 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6589% | 2,975 |
| Cost of funding earning assets | 1.2379% | 581 |
| Net interest margin | 3.4210% | 4,961 |
| Noninterest income to average assets | 0.4049% | 4,599 |
| Noninterest expense to average assets | 2.9018% | 3,590 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.2632% | 5,739 |
| Return on assets (ROA) | 1.2754% | 1,655 |
| Pretax return on assets | 1.2754% | 2,687 |
| Return on Equity (ROE) | 13.6895% | 1,175 |
| Retained earnings to average equity (ytd only) | 11.8789% | 549 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.6844% | 906 |
| Assets per employee ($millions) | 3.2460% | 5,541 |
| Cash dividends to net income (ytd only)* | 13.2267% | 3,323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9309% | 6,297 |
| Loan loss allowance to noncurrent loans | 66.6667% | 4,349 |
| Noncurrent assets plus other real estate owned to assets | 0.8934% | 4,499 |
| Noncurrent loans to loans | 1.3963% | 3,706 |
| Net loans and leases to total assets | 36.0649% | 6,544 |
| Net loans and leases to deposits | 40.4655% | 6,661 |
| Net loans and leases to core deposits | 41.0592% | 6,701 |
| Total domestic deposits to total assets | 89.1251% | 1,358 |
| Equity capital to assets | 9.9764% | 4,524 |
| Core capital (leverage) ratio | 8.3753% | 5,919 |
| Tier 1 risk-based capital ratio | 24.4540% | 962 |
| Total risk-based capital ratio | 25.4346% | 976 |
| Memoranda: | ||
| Average total assets | $19,757,500 | 7,051 |
| Average earning assets | $15,940,500 | 7,073 |
| Average equity | $1,840,750 | 7,068 |
| Average total loans | $7,005,250 | 7,042 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6590% | 3,100 |
| Cost of funding earning assets | 1.3733% | 388 |
| Net interest margin | 3.2857% | 5,486 |
| Noninterest income to average assets | 0.3929% | 4,705 |
| Noninterest expense to average assets | 2.8310% | 3,904 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.1410% | 6,066 |
| Return on assets (ROA) | 1.6523% | 832 |
| Pretax return on assets | 1.6523% | 1,392 |
| Return on Equity (ROE) | 18.1549% | 489 |
| Retained earnings to average equity (ytd only) | 15.3874% | 258 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.2542% | 737 |
| Assets per employee ($millions) | 3.3483% | 5,335 |
| Cash dividends to net income (ytd only)* | 15.2439% | 3,144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9471% | 6,337 |
| Loan loss allowance to noncurrent loans | 63.4615% | 4,485 |
| Noncurrent assets plus other real estate owned to assets | 1.1050% | 4,176 |
| Noncurrent loans to loans | 1.4923% | 3,667 |
| Net loans and leases to total assets | 34.3604% | 6,713 |
| Net loans and leases to deposits | 38.3649% | 6,790 |
| Net loans and leases to core deposits | 38.9077% | 6,832 |
| Total domestic deposits to total assets | 89.5620% | 1,188 |
| Equity capital to assets | 9.5421% | 5,002 |
| Core capital (leverage) ratio | 8.1302% | 6,122 |
| Tier 1 risk-based capital ratio | 24.2519% | 986 |
| Total risk-based capital ratio | 25.2394% | 993 |
| Memoranda: | ||
| Average total assets | $19,851,330 | 7,107 |
| Average earning assets | $15,582,670 | 7,141 |
| Average equity | $1,806,670 | 7,125 |
| Average total loans | $6,977,000 | 7,100 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7560% | 2,826 |
| Cost of funding earning assets | 1.5673% | 216 |
| Net interest margin | 3.1887% | 5,813 |
| Noninterest income to average assets | 0.3649% | 4,956 |
| Noninterest expense to average assets | 2.7772% | 4,129 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -0.0122% | 6,439 |
| Return on assets (ROA) | 1.1555% | 2,044 |
| Pretax return on assets | 1.2771% | 2,623 |
| Return on Equity (ROE) | 13.0174% | 1,400 |
| Retained earnings to average equity (ytd only) | 7.3080% | 2,275 |
| Net charge-offs to loans | -0.0573% | 6,581 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.7353% | 531 |
| Assets per employee ($millions) | 3.2975% | 5,572 |
| Cash dividends to net income (ytd only)* | 43.8596% | 1,648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9850% | 6,304 |
| Loan loss allowance to noncurrent loans | 64.4231% | 4,295 |
| Noncurrent assets plus other real estate owned to assets | 1.1221% | 4,256 |
| Noncurrent loans to loans | 1.5290% | 3,823 |
| Net loans and leases to total assets | 34.0409% | 6,734 |
| Net loans and leases to deposits | 37.5690% | 6,839 |
| Net loans and leases to core deposits | 37.5690% | 6,894 |
| Total domestic deposits to total assets | 90.6090% | 742 |
| Equity capital to assets | 8.6935% | 5,878 |
| Core capital (leverage) ratio | 7.5134% | 6,624 |
| Tier 1 risk-based capital ratio | 23.0383% | 1,131 |
| Total risk-based capital ratio | 24.0572% | 1,142 |
| Memoranda: | ||
| Average total assets | $19,732,000 | 7,172 |
| Average earning assets | $14,802,500 | 7,211 |
| Average equity | $1,751,500 | 7,190 |
| Average total loans | $6,981,000 | 7,165 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0677% | 2,576 |
| Cost of funding earning assets | 1.7382% | 279 |
| Net interest margin | 3.3295% | 5,724 |
| Noninterest income to average assets | 0.3931% | 4,673 |
| Noninterest expense to average assets | 4.0310% | 999 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | -0.6418% | 6,570 |
| Return on assets (ROA) | 0.3407% | 5,262 |
| Pretax return on assets | 0.4770% | 5,057 |
| Return on Equity (ROE) | 3.7866% | 4,957 |
| Retained earnings to average equity (ytd only) | 0.8738% | 5,450 |
| Net charge-offs to loans | 0.0558% | 5,752 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | -43.2500% | 6,425 |
| Efficiency ratio | 129.0268% | 239 |
| Assets per employee ($millions) | 3.2798% | 5,554 |
| Cash dividends to net income (ytd only)* | 76.9231% | 875 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9218% | 6,480 |
| Loan loss allowance to noncurrent loans | 35.4839% | 5,867 |
| Noncurrent assets plus other real estate owned to assets | 1.5448% | 3,632 |
| Noncurrent loans to loans | 2.5978% | 2,516 |
| Net loans and leases to total assets | 36.0486% | 6,768 |
| Net loans and leases to deposits | 40.1176% | 6,874 |
| Net loans and leases to core deposits | 40.1176% | 6,939 |
| Total domestic deposits to total assets | 89.8572% | 1,072 |
| Equity capital to assets | 9.0604% | 5,480 |
| Core capital (leverage) ratio | 7.4586% | 6,673 |
| Tier 1 risk-based capital ratio | 21.1314% | 1,391 |
| Total risk-based capital ratio | 22.0718% | 1,428 |
| Memoranda: | ||
| Average total assets | $19,077,200 | 7,221 |
| Average earning assets | $15,648,000 | 7,236 |
| Average equity | $1,716,600 | 7,250 |
| Average total loans | $7,166,200 | 7,207 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1153% | 2,533 |
| Cost of funding earning assets | 1.7467% | 319 |
| Net interest margin | 3.3686% | 5,664 |
| Noninterest income to average assets | 0.6129% | 3,090 |
| Noninterest expense to average assets | 3.9801% | 1,027 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | -0.4529% | 6,614 |
| Return on assets (ROA) | 1.1835% | 1,821 |
| Pretax return on assets | 1.3244% | 2,204 |
| Return on Equity (ROE) | 13.1759% | 1,232 |
| Retained earnings to average equity (ytd only) | 9.2547% | 1,057 |
| Net charge-offs to loans | 0.1116% | 4,892 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | -12.1663% | 6,140 |
| Efficiency ratio | 114.8374% | 363 |
| Assets per employee ($millions) | 3.2460% | 5,580 |
| Cash dividends to net income (ytd only)* | 29.7647% | 2,485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8990% | 6,601 |
| Loan loss allowance to noncurrent loans | 36.7816% | 5,837 |
| Noncurrent assets plus other real estate owned to assets | 1.7663% | 3,450 |
| Noncurrent loans to loans | 2.4442% | 2,828 |
| Net loans and leases to total assets | 36.2241% | 6,858 |
| Net loans and leases to deposits | 40.7004% | 6,955 |
| Net loans and leases to core deposits | 40.7004% | 7,018 |
| Total domestic deposits to total assets | 89.0018% | 1,432 |
| Equity capital to assets | 9.8480% | 4,557 |
| Core capital (leverage) ratio | 8.2125% | 6,121 |
| Tier 1 risk-based capital ratio | 22.0922% | 1,269 |
| Total risk-based capital ratio | 22.9837% | 1,301 |
| Memoranda: | ||
| Average total assets | $18,926,750 | 7,300 |
| Average earning assets | $16,030,000 | 7,307 |
| Average equity | $1,700,000 | 7,326 |
| Average total loans | $7,167,750 | 7,278 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0503% | 2,925 |
| Cost of funding earning assets | 1.7193% | 433 |
| Net interest margin | 3.3311% | 5,769 |
| Noninterest income to average assets | 0.5335% | 3,611 |
| Noninterest expense to average assets | 3.6492% | 1,627 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | -0.1259% | 6,382 |
| Return on assets (ROA) | 0.5655% | 4,358 |
| Pretax return on assets | 0.6295% | 4,650 |
| Return on Equity (ROE) | 6.5137% | 3,697 |
| Retained earnings to average equity (ytd only) | 3.4412% | 4,067 |
| Net charge-offs to loans | 0.2506% | 3,627 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | -1.4444% | 5,679 |
| Efficiency ratio | 103.9514% | 617 |
| Assets per employee ($millions) | 3.1647% | 5,714 |
| Cash dividends to net income (ytd only)* | 47.1698% | 1,787 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8812% | 6,708 |
| Loan loss allowance to noncurrent loans | 55.9633% | 4,679 |
| Noncurrent assets plus other real estate owned to assets | 1.7853% | 3,529 |
| Noncurrent loans to loans | 1.5747% | 4,039 |
| Net loans and leases to total assets | 36.1333% | 6,955 |
| Net loans and leases to deposits | 40.0432% | 7,064 |
| Net loans and leases to core deposits | 40.0432% | 7,126 |
| Total domestic deposits to total assets | 90.2359% | 845 |
| Equity capital to assets | 8.9794% | 5,609 |
| Core capital (leverage) ratio | 7.8362% | 6,474 |
| Tier 1 risk-based capital ratio | 23.1293% | 1,100 |
| Total risk-based capital ratio | 24.0724% | 1,128 |
| Memoranda: | ||
| Average total assets | $18,743,670 | 7,374 |
| Average earning assets | $16,751,330 | 7,360 |
| Average equity | $1,627,330 | 7,413 |
| Average total loans | $7,184,000 | 7,351 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9637% | 3,277 |
| Cost of funding earning assets | 1.7326% | 490 |
| Net interest margin | 3.2311% | 5,980 |
| Noninterest income to average assets | 0.5585% | 3,445 |
| Noninterest expense to average assets | 3.1576% | 3,038 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.3222% | 5,302 |
| Return on assets (ROA) | 0.3222% | 5,379 |
| Pretax return on assets | 0.3652% | 5,454 |
| Return on Equity (ROE) | 3.7771% | 5,010 |
| Retained earnings to average equity (ytd only) | -2.5181% | 6,224 |
| Net charge-offs to loans | 0.3281% | 2,742 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 2.8333% | 2,949 |
| Efficiency ratio | 89.6341% | 1,365 |
| Assets per employee ($millions) | 3.1240% | 5,889 |
| Cash dividends to net income (ytd only)* | 166.6667% | 272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8620% | 6,801 |
| Loan loss allowance to noncurrent loans | 21.1221% | 6,727 |
| Noncurrent assets plus other real estate owned to assets | 1.8566% | 3,488 |
| Noncurrent loans to loans | 4.0808% | 1,766 |
| Net loans and leases to total assets | 39.2712% | 6,833 |
| Net loans and leases to deposits | 43.1806% | 6,981 |
| Net loans and leases to core deposits | 43.1806% | 7,069 |
| Total domestic deposits to total assets | 90.9464% | 654 |
| Equity capital to assets | 8.4987% | 5,909 |
| Core capital (leverage) ratio | 7.7397% | 6,518 |
| Tier 1 risk-based capital ratio | 22.8455% | 1,104 |
| Total risk-based capital ratio | 23.8483% | 1,112 |
| Memoranda: | ||
| Average total assets | $18,621,500 | 7,431 |
| Average earning assets | $17,084,000 | 7,405 |
| Average equity | $1,588,500 | 7,472 |
| Average total loans | $7,315,000 | 7,407 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3193% | 3,030 |
| Cost of funding earning assets | 1.9349% | 755 |
| Net interest margin | 3.3845% | 5,687 |
| Noninterest income to average assets | 0.5404% | 3,882 |
| Noninterest expense to average assets | 3.8498% | 1,389 |
| Loan and lease loss provision to assets | 0.2173% | 5,089 |
| Net operating income to assets | -0.3024% | 6,221 |
| Return on assets (ROA) | 0.4178% | 4,600 |
| Pretax return on assets | 0.6686% | 4,097 |
| Return on Equity (ROE) | 4.9761% | 4,077 |
| Retained earnings to average equity (ytd only) | 1.9904% | 4,472 |
| Net charge-offs to loans | 0.1840% | 5,202 |
| Credit loss provision to net charge-offs | 300.0000% | 889 |
| Earnings coverage of net charge-offs (x) | -3.3077% | 6,746 |
| Efficiency ratio | 106.6358% | 611 |
| Assets per employee ($millions) | 3.0832% | 5,913 |
| Cash dividends to net income (ytd only)* | 60.0000% | 1,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9715% | 6,481 |
| Loan loss allowance to noncurrent loans | 22.8758% | 6,701 |
| Noncurrent assets plus other real estate owned to assets | 1.8974% | 3,484 |
| Noncurrent loans to loans | 4.2471% | 1,707 |
| Net loans and leases to total assets | 38.5697% | 7,046 |
| Net loans and leases to deposits | 42.4854% | 7,169 |
| Net loans and leases to core deposits | 42.4854% | 7,244 |
| Total domestic deposits to total assets | 90.7833% | 702 |
| Equity capital to assets | 8.5626% | 5,771 |
| Core capital (leverage) ratio | 7.9852% | 6,223 |
| Tier 1 risk-based capital ratio | 22.5985% | 1,092 |
| Total risk-based capital ratio | 23.6761% | 1,098 |
| Memoranda: | ||
| Average total assets | $17,949,200 | 7,510 |
| Average earning assets | $16,280,200 | 7,493 |
| Average equity | $1,507,200 | 7,591 |
| Average total loans | $7,063,800 | 7,499 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4144% | 2,812 |
| Cost of funding earning assets | 1.9555% | 865 |
| Net interest margin | 3.4590% | 5,459 |
| Noninterest income to average assets | 0.5464% | 3,818 |
| Noninterest expense to average assets | 3.3460% | 2,443 |
| Loan and lease loss provision to assets | 0.2919% | 4,241 |
| Net operating income to assets | 0.0513% | 5,878 |
| Return on assets (ROA) | 0.9956% | 2,364 |
| Pretax return on assets | 1.1453% | 2,681 |
| Return on Equity (ROE) | 11.9173% | 1,529 |
| Retained earnings to average equity (ytd only) | 9.6774% | 875 |
| Net charge-offs to loans | 0.2466% | 4,461 |
| Credit loss provision to net charge-offs | 300.0000% | 1,059 |
| Earnings coverage of net charge-offs (x) | 3.6163% | 3,369 |
| Efficiency ratio | 90.4858% | 1,243 |
| Assets per employee ($millions) | 2.9675% | 6,230 |
| Cash dividends to net income (ytd only)* | 18.7955% | 3,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9533% | 6,558 |
| Loan loss allowance to noncurrent loans | 55.5556% | 4,590 |
| Noncurrent assets plus other real estate owned to assets | 0.9604% | 5,166 |
| Noncurrent loans to loans | 1.7159% | 4,070 |
| Net loans and leases to total assets | 40.8481% | 7,033 |
| Net loans and leases to deposits | 44.8618% | 7,208 |
| Net loans and leases to core deposits | 44.8618% | 7,295 |
| Total domestic deposits to total assets | 91.0531% | 434 |
| Equity capital to assets | 8.7391% | 5,957 |
| Core capital (leverage) ratio | 8.6747% | 5,229 |
| Tier 1 risk-based capital ratio | 22.6487% | 1,113 |
| Total risk-based capital ratio | 23.6742% | 1,118 |
| Memoranda: | ||
| Average total assets | $17,811,750 | 7,610 |
| Average earning assets | $16,227,750 | 7,585 |
| Average equity | $1,488,000 | 7,691 |
| Average total loans | $7,028,500 | 7,597 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4139% | 2,915 |
| Cost of funding earning assets | 2.0070% | 894 |
| Net interest margin | 3.4069% | 5,614 |
| Noninterest income to average assets | 0.5389% | 3,800 |
| Noninterest expense to average assets | 3.0201% | 3,635 |
| Loan and lease loss provision to assets | 0.0674% | 6,281 |
| Net operating income to assets | 0.5052% | 4,303 |
| Return on assets (ROA) | 0.5052% | 4,450 |
| Pretax return on assets | 0.5389% | 4,785 |
| Return on Equity (ROE) | 6.1420% | 3,733 |
| Retained earnings to average equity (ytd only) | 2.7298% | 4,394 |
| Net charge-offs to loans | 0.3178% | 3,735 |
| Credit loss provision to net charge-offs | 54.5455% | 5,324 |
| Earnings coverage of net charge-offs (x) | 4.9091% | 2,809 |
| Efficiency ratio | 83.2817% | 2,001 |
| Assets per employee ($millions) | 2.9708% | 6,194 |
| Cash dividends to net income (ytd only)* | 55.5556% | 1,465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5526% | 7,465 |
| Loan loss allowance to noncurrent loans | 50.0000% | 4,962 |
| Noncurrent assets plus other real estate owned to assets | 0.7461% | 5,630 |
| Noncurrent loans to loans | 1.1053% | 5,113 |
| Net loans and leases to total assets | 39.3717% | 7,200 |
| Net loans and leases to deposits | 43.1691% | 7,344 |
| Net loans and leases to core deposits | 43.1691% | 7,424 |
| Total domestic deposits to total assets | 91.2034% | 413 |
| Equity capital to assets | 8.4600% | 6,216 |
| Core capital (leverage) ratio | 8.0063% | 6,268 |
| Tier 1 risk-based capital ratio | 23.1268% | 1,049 |
| Total risk-based capital ratio | 23.7433% | 1,105 |
| Memoranda: | ||
| Average total assets | $17,814,000 | 7,675 |
| Average earning assets | $16,143,670 | 7,653 |
| Average equity | $1,465,330 | 7,759 |
| Average total loans | $6,923,670 | 7,662 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4066% | 3,008 |
| Cost of funding earning assets | 2.0833% | 858 |
| Net interest margin | 3.3233% | 5,892 |
| Noninterest income to average assets | 0.4941% | 4,095 |
| Noninterest expense to average assets | 2.7852% | 4,541 |
| Loan and lease loss provision to assets | 0.1348% | 5,215 |
| Net operating income to assets | 0.5166% | 4,308 |
| Return on assets (ROA) | 0.5166% | 4,453 |
| Pretax return on assets | 0.5840% | 4,675 |
| Return on Equity (ROE) | 6.3712% | 3,684 |
| Retained earnings to average equity (ytd only) | -0.5540% | 5,965 |
| Net charge-offs to loans | 0.3500% | 3,008 |
| Credit loss provision to net charge-offs | 100.0000% | 3,385 |
| Earnings coverage of net charge-offs (x) | 5.3333% | 2,421 |
| Efficiency ratio | 79.4872% | 2,651 |
| Assets per employee ($millions) | 2.9923% | 6,228 |
| Cash dividends to net income (ytd only)* | 108.6957% | 512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6474% | 7,431 |
| Loan loss allowance to noncurrent loans | 58.6667% | 4,441 |
| Noncurrent assets plus other real estate owned to assets | 0.7241% | 5,716 |
| Noncurrent loans to loans | 1.1036% | 5,149 |
| Net loans and leases to total assets | 37.6072% | 7,361 |
| Net loans and leases to deposits | 41.0007% | 7,486 |
| Net loans and leases to core deposits | 41.0007% | 7,552 |
| Total domestic deposits to total assets | 91.7233% | 313 |
| Equity capital to assets | 8.0595% | 6,590 |
| Core capital (leverage) ratio | 7.9947% | 6,249 |
| Tier 1 risk-based capital ratio | 23.2626% | 1,037 |
| Total risk-based capital ratio | 23.9754% | 1,089 |
| Memoranda: | ||
| Average total assets | $17,808,500 | 7,774 |
| Average earning assets | $16,128,500 | 7,751 |
| Average equity | $1,444,000 | 7,846 |
| Average total loans | $6,857,000 | 7,762 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7989% | 2,656 |
| Cost of funding earning assets | 2.3588% | 1,430 |
| Net interest margin | 3.4401% | 5,216 |
| Noninterest income to average assets | 0.5733% | 3,830 |
| Noninterest expense to average assets | 3.4740% | 2,441 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.2006% | 4,901 |
| Return on assets (ROA) | 0.2006% | 4,965 |
| Pretax return on assets | 0.2178% | 4,965 |
| Return on Equity (ROE) | 2.3917% | 4,749 |
| Retained earnings to average equity (ytd only) | -0.3417% | 5,039 |
| Net charge-offs to loans | 0.1444% | 5,796 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 3.8000% | 3,191 |
| Efficiency ratio | 94.0994% | 1,409 |
| Assets per employee ($millions) | 2.9438% | 6,359 |
| Cash dividends to net income (ytd only)* | 114.2857% | 459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6360% | 7,501 |
| Loan loss allowance to noncurrent loans | 31.6547% | 6,351 |
| Noncurrent assets plus other real estate owned to assets | 1.0983% | 4,896 |
| Noncurrent loans to loans | 2.0093% | 3,638 |
| Net loans and leases to total assets | 38.9175% | 7,408 |
| Net loans and leases to deposits | 42.4793% | 7,558 |
| Net loans and leases to core deposits | 52.5455% | 7,512 |
| Total domestic deposits to total assets | 91.6152% | 347 |
| Equity capital to assets | 8.1583% | 6,391 |
| Core capital (leverage) ratio | 8.1473% | 5,916 |
| Tier 1 risk-based capital ratio | 23.1115% | 1,034 |
| Total risk-based capital ratio | 23.8187% | 1,061 |
| Memoranda: | ||
| Average total assets | $17,443,800 | 7,841 |
| Average earning assets | $15,813,400 | 7,824 |
| Average equity | $1,463,400 | 7,936 |
| Average total loans | $6,924,800 | 7,828 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8905% | 2,492 |
| Cost of funding earning assets | 2.4071% | 1,612 |
| Net interest margin | 3.4835% | 4,931 |
| Noninterest income to average assets | 0.5597% | 4,012 |
| Noninterest expense to average assets | 3.4350% | 2,461 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.2530% | 4,977 |
| Return on assets (ROA) | 0.2530% | 5,063 |
| Pretax return on assets | 0.2760% | 5,120 |
| Return on Equity (ROE) | 2.9952% | 4,799 |
| Retained earnings to average equity (ytd only) | 1.1797% | 4,665 |
| Net charge-offs to loans | 0.1924% | 4,855 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 3.6009% | 3,464 |
| Efficiency ratio | 92.5620% | 1,493 |
| Assets per employee ($millions) | 2.9423% | 6,299 |
| Cash dividends to net income (ytd only)* | 60.6136% | 1,577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6103% | 7,561 |
| Loan loss allowance to noncurrent loans | 19.4690% | 7,118 |
| Noncurrent assets plus other real estate owned to assets | 1.2802% | 4,513 |
| Noncurrent loans to loans | 3.1345% | 2,411 |
| Net loans and leases to total assets | 40.5914% | 7,433 |
| Net loans and leases to deposits | 44.3688% | 7,610 |
| Net loans and leases to core deposits | 54.4488% | 7,580 |
| Total domestic deposits to total assets | 91.4863% | 258 |
| Equity capital to assets | 8.2757% | 6,535 |
| Core capital (leverage) ratio | 8.3252% | 5,798 |
| Tier 1 risk-based capital ratio | 22.5877% | 1,162 |
| Total risk-based capital ratio | 23.2702% | 1,203 |
| Memoranda: | ||
| Average total assets | $17,389,000 | 7,922 |
| Average earning assets | $15,731,000 | 7,904 |
| Average equity | $1,469,000 | 8,016 |
| Average total loans | $6,926,500 | 7,905 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9768% | 2,278 |
| Cost of funding earning assets | 2.4520% | 1,771 |
| Net interest margin | 3.5248% | 4,677 |
| Noninterest income to average assets | 0.5549% | 3,993 |
| Noninterest expense to average assets | 3.2947% | 2,979 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.4162% | 4,439 |
| Return on assets (ROA) | 0.4162% | 4,551 |
| Pretax return on assets | 0.4508% | 4,785 |
| Return on Equity (ROE) | 4.8924% | 4,127 |
| Retained earnings to average equity (ytd only) | 2.1744% | 4,136 |
| Net charge-offs to loans | 0.0293% | 6,057 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 39.0000% | 830 |
| Efficiency ratio | 87.9630% | 2,019 |
| Assets per employee ($millions) | 2.8993% | 6,395 |
| Cash dividends to net income (ytd only)* | 55.5556% | 1,837 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7407% | 7,328 |
| Loan loss allowance to noncurrent loans | 30.8140% | 6,418 |
| Noncurrent assets plus other real estate owned to assets | 0.9887% | 4,991 |
| Noncurrent loans to loans | 2.4039% | 3,007 |
| Net loans and leases to total assets | 40.8255% | 7,512 |
| Net loans and leases to deposits | 44.7060% | 7,681 |
| Net loans and leases to core deposits | 53.3704% | 7,674 |
| Total domestic deposits to total assets | 91.3198% | 364 |
| Equity capital to assets | 8.4157% | 6,172 |
| Core capital (leverage) ratio | 8.3367% | 5,732 |
| Tier 1 risk-based capital ratio | 22.4531% | 1,192 |
| Total risk-based capital ratio | 23.2687% | 1,225 |
| Memoranda: | ||
| Average total assets | $17,300,670 | 8,004 |
| Average earning assets | $15,660,670 | 7,983 |
| Average equity | $1,471,670 | 8,101 |
| Average total loans | $6,832,000 | 7,997 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0326% | 2,224 |
| Cost of funding earning assets | 2.5200% | 1,846 |
| Net interest margin | 3.5127% | 4,676 |
| Noninterest income to average assets | 0.5101% | 4,231 |
| Noninterest expense to average assets | 2.8285% | 4,433 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.8578% | 2,884 |
| Return on assets (ROA) | 0.8578% | 3,035 |
| Pretax return on assets | 0.8810% | 3,787 |
| Return on Equity (ROE) | 10.0305% | 2,306 |
| Retained earnings to average equity (ytd only) | 10.0305% | 1,186 |
| Net charge-offs to loans | -0.0600% | 7,753 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2500% | 3,447 |
| Assets per employee ($millions) | 2.9148% | 6,379 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8083% | 7,129 |
| Loan loss allowance to noncurrent loans | 157.1429% | 2,065 |
| Noncurrent assets plus other real estate owned to assets | 0.2001% | 6,930 |
| Noncurrent loans to loans | 0.5144% | 6,143 |
| Net loans and leases to total assets | 38.5900% | 7,637 |
| Net loans and leases to deposits | 42.3161% | 7,775 |
| Net loans and leases to core deposits | 50.4523% | 7,778 |
| Total domestic deposits to total assets | 91.1945% | 355 |
| Equity capital to assets | 8.5311% | 6,026 |
| Core capital (leverage) ratio | 8.5308% | 5,470 |
| Tier 1 risk-based capital ratio | 23.6007% | 1,127 |
| Total risk-based capital ratio | 24.4778% | 1,141 |
| Memoranda: | ||
| Average total assets | $17,253,000 | 8,056 |
| Average earning assets | $15,714,500 | 8,032 |
| Average equity | $1,475,500 | 8,156 |
| Average total loans | $6,670,500 | 8,051 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7529% | 1,855 |
| Cost of funding earning assets | 3.0602% | 1,641 |
| Net interest margin | 3.6927% | 4,502 |
| Noninterest income to average assets | 0.5636% | 4,122 |
| Noninterest expense to average assets | 3.0215% | 4,004 |
| Loan and lease loss provision to assets | 0.2905% | 4,058 |
| Net operating income to assets | 0.4869% | 4,800 |
| Return on assets (ROA) | 0.6450% | 3,978 |
| Pretax return on assets | 0.8077% | 4,038 |
| Return on Equity (ROE) | 7.7191% | 3,190 |
| Retained earnings to average equity (ytd only) | 4.9374% | 2,066 |
| Net charge-offs to loans | 0.9628% | 1,283 |
| Credit loss provision to net charge-offs | 79.3651% | 5,913 |
| Earnings coverage of net charge-offs (x) | 2.4603% | 4,847 |
| Efficiency ratio | 77.0370% | 3,070 |
| Assets per employee ($millions) | 2.8362% | 6,476 |
| Cash dividends to net income (ytd only)* | 36.0360% | 3,833 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8261% | 7,003 |
| Loan loss allowance to noncurrent loans | 20.0743% | 7,240 |
| Noncurrent assets plus other real estate owned to assets | 1.5808% | 3,075 |
| Noncurrent loans to loans | 4.1150% | 1,184 |
| Net loans and leases to total assets | 38.0972% | 7,760 |
| Net loans and leases to deposits | 41.8204% | 7,900 |
| Net loans and leases to core deposits | 50.0966% | 7,885 |
| Total domestic deposits to total assets | 91.0971% | 302 |
| Equity capital to assets | 8.5738% | 5,974 |
| Core capital (leverage) ratio | 8.3420% | 5,868 |
| Tier 1 risk-based capital ratio | 23.7179% | 1,121 |
| Total risk-based capital ratio | 24.6055% | 1,130 |
| Memoranda: | ||
| Average total assets | $17,210,000 | 8,096 |
| Average earning assets | $15,652,600 | 8,090 |
| Average equity | $1,438,000 | 8,227 |
| Average total loans | $6,543,400 | 8,102 |