Home > The First National Bank of Smith Center > Performance and Condition Ratios
The First National Bank of Smith Center, 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 | 3.0018% | 6,348 |
| Cost of funding earning assets | 0.3396% | 5,249 |
| Net interest margin | 2.6622% | 6,190 |
| Noninterest income to average assets | 0.1163% | 6,334 |
| Noninterest expense to average assets | 2.5805% | 4,532 |
| Loan and lease loss provision to assets | -0.1081% | 6,495 |
| Net operating income to assets | 0.1327% | 5,971 |
| Return on assets (ROA) | 0.5610% | 4,569 |
| Pretax return on assets | 0.5895% | 4,900 |
| Return on Equity (ROE) | 6.0025% | 4,084 |
| Retained earnings to average equity (ytd only) | 4.9112% | 2,661 |
| Net charge-offs to loans | 0.1031% | 3,795 |
| Credit loss provision to net charge-offs | -311.7647% | 6,060 |
| Earnings coverage of net charge-offs (x) | 0.8824% | 4,792 |
| Efficiency ratio | 98.8281% | 518 |
| Assets per employee ($millions) | 4.5325% | 2,847 |
| Cash dividends to net income (ytd only)* | 18.1818% | 3,792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7264% | 6,313 |
| Loan loss allowance to noncurrent loans | 48.8281% | 5,301 |
| Noncurrent assets plus other real estate owned to assets | 0.5135% | 4,703 |
| Noncurrent loans to loans | 1.4876% | 2,662 |
| Net loans and leases to total assets | 34.2660% | 6,283 |
| Net loans and leases to deposits | 37.7114% | 6,378 |
| Net loans and leases to core deposits | 37.7114% | 6,425 |
| Total domestic deposits to total assets | 90.8639% | 628 |
| Equity capital to assets | 9.0619% | 4,958 |
| Core capital (leverage) ratio | 9.9603% | 3,628 |
| Tier 1 risk-based capital ratio | 18.3256% | 2,138 |
| Total risk-based capital ratio | 18.8326% | 2,362 |
| Memoranda: | ||
| Average total assets | $49,021,600 | 6,037 |
| Average earning assets | $45,939,400 | 5,993 |
| Average equity | $4,581,400 | 6,176 |
| Average total loans | $16,494,800 | 6,349 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0782% | 6,342 |
| Cost of funding earning assets | 0.3520% | 5,273 |
| Net interest margin | 2.7262% | 6,128 |
| Noninterest income to average assets | 0.1420% | 6,323 |
| Noninterest expense to average assets | 2.2453% | 5,493 |
| Loan and lease loss provision to assets | -0.1448% | 6,669 |
| Net operating income to assets | 0.6009% | 4,344 |
| Return on assets (ROA) | 0.8741% | 3,084 |
| Pretax return on assets | 0.8741% | 3,992 |
| Return on Equity (ROE) | 9.2808% | 2,504 |
| Retained earnings to average equity (ytd only) | 9.2808% | 974 |
| Net charge-offs to loans | -0.0490% | 6,300 |
| Credit loss provision to net charge-offs | 883.3333% | 344 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.1143% | 1,693 |
| Assets per employee ($millions) | 4.1949% | 3,431 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8430% | 6,194 |
| Loan loss allowance to noncurrent loans | 51.2111% | 5,178 |
| Noncurrent assets plus other real estate owned to assets | 0.6458% | 4,501 |
| Noncurrent loans to loans | 1.6462% | 2,710 |
| Net loans and leases to total assets | 37.7254% | 6,181 |
| Net loans and leases to deposits | 41.9551% | 6,307 |
| Net loans and leases to core deposits | 41.9551% | 6,387 |
| Total domestic deposits to total assets | 89.9185% | 1,047 |
| Equity capital to assets | 10.0121% | 3,882 |
| Core capital (leverage) ratio | 9.6343% | 4,194 |
| Tier 1 risk-based capital ratio | 19.1236% | 1,951 |
| Total risk-based capital ratio | 19.7372% | 2,118 |
| Memoranda: | ||
| Average total assets | $48,812,750 | 6,114 |
| Average earning assets | $45,826,500 | 6,063 |
| Average equity | $4,597,250 | 6,250 |
| Average total loans | $16,316,250 | 6,424 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0221% | 6,427 |
| Cost of funding earning assets | 0.3530% | 5,377 |
| Net interest margin | 2.6691% | 6,231 |
| Noninterest income to average assets | -0.0040% | 6,811 |
| Noninterest expense to average assets | 2.1528% | 5,740 |
| Loan and lease loss provision to assets | -0.2133% | 6,788 |
| Net operating income to assets | 0.5513% | 4,548 |
| Return on assets (ROA) | 0.5513% | 4,715 |
| Pretax return on assets | 0.5513% | 5,194 |
| Return on Equity (ROE) | 5.9699% | 4,196 |
| Retained earnings to average equity (ytd only) | 5.9699% | 2,462 |
| Net charge-offs to loans | -0.0377% | 6,155 |
| Credit loss provision to net charge-offs | 1,766.6667% | 178 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.4297% | 1,372 |
| Assets per employee ($millions) | 4.4638% | 2,874 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8880% | 6,169 |
| Loan loss allowance to noncurrent loans | 49.8282% | 5,212 |
| Noncurrent assets plus other real estate owned to assets | 0.6150% | 4,701 |
| Noncurrent loans to loans | 1.7822% | 2,656 |
| Net loans and leases to total assets | 32.9579% | 6,461 |
| Net loans and leases to deposits | 36.8726% | 6,526 |
| Net loans and leases to core deposits | 36.8726% | 6,574 |
| Total domestic deposits to total assets | 89.3833% | 1,393 |
| Equity capital to assets | 9.3234% | 4,827 |
| Core capital (leverage) ratio | 9.1102% | 4,814 |
| Tier 1 risk-based capital ratio | 18.7017% | 2,079 |
| Total risk-based capital ratio | 19.3137% | 2,257 |
| Memoranda: | ||
| Average total assets | $49,702,330 | 6,132 |
| Average earning assets | $46,458,330 | 6,084 |
| Average equity | $4,589,670 | 6,302 |
| Average total loans | $15,903,000 | 6,479 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0448% | 6,465 |
| Cost of funding earning assets | 0.3536% | 5,496 |
| Net interest margin | 2.6912% | 6,228 |
| Noninterest income to average assets | -0.2240% | 6,954 |
| Noninterest expense to average assets | 2.1359% | 5,832 |
| Loan and lease loss provision to assets | -0.4240% | 6,942 |
| Net operating income to assets | 0.5600% | 4,415 |
| Return on assets (ROA) | 0.5600% | 4,573 |
| Pretax return on assets | 0.5600% | 5,080 |
| Return on Equity (ROE) | 6.0929% | 3,989 |
| Retained earnings to average equity (ytd only) | 6.0929% | 2,628 |
| Net charge-offs to loans | -0.0510% | 6,149 |
| Credit loss provision to net charge-offs | 2,650.0000% | 118 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.0141% | 839 |
| Assets per employee ($millions) | 4.4224% | 3,115 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9626% | 6,095 |
| Loan loss allowance to noncurrent loans | 49.4845% | 5,189 |
| Noncurrent assets plus other real estate owned to assets | 0.6208% | 4,833 |
| Noncurrent loans to loans | 1.9453% | 2,683 |
| Net loans and leases to total assets | 30.4547% | 6,586 |
| Net loans and leases to deposits | 33.6750% | 6,648 |
| Net loans and leases to core deposits | 33.6750% | 6,682 |
| Total domestic deposits to total assets | 90.4370% | 799 |
| Equity capital to assets | 9.4869% | 4,869 |
| Core capital (leverage) ratio | 9.0072% | 4,873 |
| Tier 1 risk-based capital ratio | 19.1620% | 1,990 |
| Total risk-based capital ratio | 19.7945% | 2,146 |
| Memoranda: | ||
| Average total assets | $50,002,500 | 6,184 |
| Average earning assets | $46,374,000 | 6,147 |
| Average equity | $4,595,500 | 6,372 |
| Average total loans | $15,690,500 | 6,547 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2656% | 6,614 |
| Cost of funding earning assets | 0.4710% | 5,415 |
| Net interest margin | 2.7946% | 6,387 |
| Noninterest income to average assets | 0.2971% | 5,341 |
| Noninterest expense to average assets | 2.6279% | 4,653 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.2043% | 5,776 |
| Return on assets (ROA) | 0.2092% | 5,941 |
| Pretax return on assets | 0.2699% | 5,878 |
| Return on Equity (ROE) | 2.1498% | 5,858 |
| Retained earnings to average equity (ytd only) | 2.1498% | 4,722 |
| Net charge-offs to loans | -0.0532% | 6,718 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.8828% | 997 |
| Assets per employee ($millions) | 4.6690% | 2,682 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1874% | 5,172 |
| Loan loss allowance to noncurrent loans | 67.0103% | 4,374 |
| Noncurrent assets plus other real estate owned to assets | 0.8528% | 4,338 |
| Noncurrent loans to loans | 1.7720% | 2,962 |
| Net loans and leases to total assets | 31.5952% | 6,642 |
| Net loans and leases to deposits | 34.7183% | 6,720 |
| Net loans and leases to core deposits | 34.7183% | 6,755 |
| Total domestic deposits to total assets | 91.0045% | 493 |
| Equity capital to assets | 8.9098% | 5,623 |
| Core capital (leverage) ratio | 9.2769% | 4,457 |
| Tier 1 risk-based capital ratio | 17.2972% | 2,526 |
| Total risk-based capital ratio | 18.0829% | 2,694 |
| Memoranda: | ||
| Average total assets | $47,795,200 | 6,270 |
| Average earning assets | $44,371,400 | 6,227 |
| Average equity | $4,651,600 | 6,399 |
| Average total loans | $15,047,000 | 6,655 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3255% | 6,708 |
| Cost of funding earning assets | 0.4915% | 5,496 |
| Net interest margin | 2.8340% | 6,455 |
| Noninterest income to average assets | 0.2928% | 5,428 |
| Noninterest expense to average assets | 2.3821% | 5,448 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.5265% | 4,725 |
| Return on assets (ROA) | 0.5344% | 4,959 |
| Pretax return on assets | 0.5742% | 5,247 |
| Return on Equity (ROE) | 5.3669% | 4,655 |
| Retained earnings to average equity (ytd only) | 5.3669% | 3,114 |
| Net charge-offs to loans | -0.0454% | 6,683 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.8100% | 1,972 |
| Assets per employee ($millions) | 4.1275% | 3,633 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2857% | 4,878 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5947% | 5,185 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 32.4677% | 6,727 |
| Net loans and leases to deposits | 37.5509% | 6,765 |
| Net loans and leases to core deposits | 37.5509% | 6,816 |
| Total domestic deposits to total assets | 86.4632% | 3,008 |
| Equity capital to assets | 10.2903% | 4,092 |
| Core capital (leverage) ratio | 9.4675% | 4,319 |
| Tier 1 risk-based capital ratio | 19.7014% | 1,825 |
| Total risk-based capital ratio | 20.5648% | 1,890 |
| Memoranda: | ||
| Average total assets | $46,904,250 | 6,367 |
| Average earning assets | $43,941,750 | 6,312 |
| Average equity | $4,670,500 | 6,466 |
| Average total loans | $14,703,250 | 6,762 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3258% | 6,798 |
| Cost of funding earning assets | 0.5061% | 5,575 |
| Net interest margin | 2.8197% | 6,543 |
| Noninterest income to average assets | 0.2278% | 5,938 |
| Noninterest expense to average assets | 2.3331% | 5,653 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.4821% | 4,902 |
| Return on assets (ROA) | 0.4936% | 5,096 |
| Pretax return on assets | 0.5400% | 5,335 |
| Return on Equity (ROE) | 5.0107% | 4,805 |
| Retained earnings to average equity (ytd only) | 5.0107% | 3,276 |
| Net charge-offs to loans | -0.0273% | 6,505 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5634% | 1,957 |
| Assets per employee ($millions) | 4.2730% | 3,308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3007% | 4,882 |
| Loan loss allowance to noncurrent loans | 2,100.0000% | 231 |
| Noncurrent assets plus other real estate owned to assets | 0.5936% | 5,286 |
| Noncurrent loans to loans | 0.0619% | 6,513 |
| Net loans and leases to total assets | 30.5129% | 6,859 |
| Net loans and leases to deposits | 34.3669% | 6,912 |
| Net loans and leases to core deposits | 34.6769% | 6,947 |
| Total domestic deposits to total assets | 88.7858% | 1,648 |
| Equity capital to assets | 9.7611% | 4,685 |
| Core capital (leverage) ratio | 9.1279% | 4,724 |
| Tier 1 risk-based capital ratio | 19.5067% | 1,851 |
| Total risk-based capital ratio | 20.3621% | 1,918 |
| Memoranda: | ||
| Average total assets | $47,405,000 | 6,399 |
| Average earning assets | $44,260,000 | 6,342 |
| Average equity | $4,670,000 | 6,495 |
| Average total loans | $14,626,670 | 6,819 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3858% | 6,828 |
| Cost of funding earning assets | 0.5160% | 5,714 |
| Net interest margin | 2.8698% | 6,526 |
| Noninterest income to average assets | 0.2941% | 5,515 |
| Noninterest expense to average assets | 2.4367% | 5,353 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.5209% | 4,732 |
| Return on assets (ROA) | 0.5209% | 4,941 |
| Pretax return on assets | 0.5209% | 5,359 |
| Return on Equity (ROE) | 5.2643% | 4,659 |
| Retained earnings to average equity (ytd only) | 5.2643% | 3,392 |
| Net charge-offs to loans | -0.0273% | 6,302 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.3864% | 1,888 |
| Assets per employee ($millions) | 4.3566% | 3,287 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4047% | 4,589 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5738% | 5,458 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 27.5358% | 6,988 |
| Net loans and leases to deposits | 30.4111% | 7,046 |
| Net loans and leases to core deposits | 30.6748% | 7,065 |
| Total domestic deposits to total assets | 90.5452% | 779 |
| Equity capital to assets | 9.3629% | 5,012 |
| Core capital (leverage) ratio | 8.5977% | 5,448 |
| Tier 1 risk-based capital ratio | 19.6799% | 1,786 |
| Total risk-based capital ratio | 20.5495% | 1,864 |
| Memoranda: | ||
| Average total assets | $47,606,000 | 6,445 |
| Average earning assets | $44,185,000 | 6,393 |
| Average equity | $4,711,000 | 6,510 |
| Average total loans | $14,674,500 | 6,880 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9794% | 6,491 |
| Cost of funding earning assets | 0.6233% | 5,974 |
| Net interest margin | 3.3561% | 5,624 |
| Noninterest income to average assets | 0.3424% | 5,081 |
| Noninterest expense to average assets | 2.6551% | 4,905 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.8004% | 3,036 |
| Return on assets (ROA) | 0.7346% | 3,492 |
| Pretax return on assets | 0.7346% | 4,210 |
| Return on Equity (ROE) | 6.8205% | 3,479 |
| Retained earnings to average equity (ytd only) | 6.2942% | 1,858 |
| Net charge-offs to loans | -0.1250% | 7,158 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8373% | 2,766 |
| Assets per employee ($millions) | 4.2990% | 3,249 |
| Cash dividends to net income (ytd only)* | 7.7160% | 3,917 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1713% | 5,527 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6555% | 5,346 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 33.3651% | 6,894 |
| Net loans and leases to deposits | 37.2923% | 6,969 |
| Net loans and leases to core deposits | 37.6240% | 7,010 |
| Total domestic deposits to total assets | 89.4690% | 1,283 |
| Equity capital to assets | 10.4358% | 3,603 |
| Core capital (leverage) ratio | 10.4965% | 2,736 |
| Tier 1 risk-based capital ratio | 20.0761% | 1,624 |
| Total risk-based capital ratio | 20.8761% | 1,689 |
| Memoranda: | ||
| Average total assets | $44,103,000 | 6,533 |
| Average earning assets | $40,910,600 | 6,494 |
| Average equity | $4,750,400 | 6,521 |
| Average total loans | $15,997,200 | 6,847 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0792% | 6,453 |
| Cost of funding earning assets | 0.6456% | 6,053 |
| Net interest margin | 3.4335% | 5,450 |
| Noninterest income to average assets | 0.3510% | 5,047 |
| Noninterest expense to average assets | 2.6939% | 4,751 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.8497% | 2,941 |
| Return on assets (ROA) | 0.8282% | 3,191 |
| Pretax return on assets | 0.8282% | 4,026 |
| Return on Equity (ROE) | 7.6242% | 3,213 |
| Retained earnings to average equity (ytd only) | 7.2841% | 1,818 |
| Net charge-offs to loans | -0.1666% | 7,241 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0209% | 2,833 |
| Assets per employee ($millions) | 3.9911% | 3,870 |
| Cash dividends to net income (ytd only)* | 4.4610% | 3,427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1504% | 5,678 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7608% | 5,251 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 36.5997% | 6,839 |
| Net loans and leases to deposits | 42.1367% | 6,906 |
| Net loans and leases to core deposits | 42.5530% | 6,969 |
| Total domestic deposits to total assets | 86.8594% | 2,736 |
| Equity capital to assets | 11.2022% | 2,962 |
| Core capital (leverage) ratio | 10.7150% | 2,648 |
| Tier 1 risk-based capital ratio | 19.7570% | 1,744 |
| Total risk-based capital ratio | 20.5515% | 1,824 |
| Memoranda: | ||
| Average total assets | $43,306,500 | 6,616 |
| Average earning assets | $40,268,500 | 6,574 |
| Average equity | $4,704,250 | 6,582 |
| Average total loans | $16,005,250 | 6,916 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1226% | 6,437 |
| Cost of funding earning assets | 0.6646% | 6,146 |
| Net interest margin | 3.4580% | 5,327 |
| Noninterest income to average assets | 0.3480% | 5,102 |
| Noninterest expense to average assets | 2.8255% | 4,324 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.7330% | 3,372 |
| Return on assets (ROA) | 0.7562% | 3,391 |
| Pretax return on assets | 0.7562% | 4,191 |
| Return on Equity (ROE) | 7.0365% | 3,433 |
| Retained earnings to average equity (ytd only) | 6.5185% | 2,131 |
| Net charge-offs to loans | -0.2261% | 7,309 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4003% | 2,485 |
| Assets per employee ($millions) | 4.3266% | 3,121 |
| Cash dividends to net income (ytd only)* | 7.3620% | 3,188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1809% | 5,630 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.8113% | 5,259 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 35.7810% | 6,973 |
| Net loans and leases to deposits | 40.2135% | 7,057 |
| Net loans and leases to core deposits | 40.6070% | 7,114 |
| Total domestic deposits to total assets | 88.9775% | 1,542 |
| Equity capital to assets | 10.9185% | 3,038 |
| Core capital (leverage) ratio | 10.5647% | 2,649 |
| Tier 1 risk-based capital ratio | 19.6023% | 1,690 |
| Total risk-based capital ratio | 20.4003% | 1,761 |
| Memoranda: | ||
| Average total assets | $43,108,000 | 6,675 |
| Average earning assets | $40,023,000 | 6,639 |
| Average equity | $4,633,000 | 6,643 |
| Average total loans | $15,922,000 | 6,984 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1614% | 6,369 |
| Cost of funding earning assets | 0.6702% | 6,297 |
| Net interest margin | 3.4912% | 5,050 |
| Noninterest income to average assets | 0.3068% | 5,475 |
| Noninterest expense to average assets | 2.7609% | 4,600 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.7902% | 3,081 |
| Return on assets (ROA) | 0.8924% | 2,660 |
| Pretax return on assets | 0.8924% | 3,523 |
| Return on Equity (ROE) | 8.3706% | 2,751 |
| Retained earnings to average equity (ytd only) | 8.3706% | 1,597 |
| Net charge-offs to loans | -0.4237% | 7,388 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7487% | 2,879 |
| Assets per employee ($millions) | 3.9259% | 4,001 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1883% | 5,688 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.8406% | 5,223 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 35.4290% | 7,025 |
| Net loans and leases to deposits | 40.3024% | 7,084 |
| Net loans and leases to core deposits | 40.9781% | 7,134 |
| Total domestic deposits to total assets | 87.9078% | 2,425 |
| Equity capital to assets | 10.5870% | 3,093 |
| Core capital (leverage) ratio | 10.0062% | 3,138 |
| Tier 1 risk-based capital ratio | 19.0174% | 1,797 |
| Total risk-based capital ratio | 19.7967% | 1,900 |
| Memoranda: | ||
| Average total assets | $43,029,000 | 6,727 |
| Average earning assets | $39,986,500 | 6,688 |
| Average equity | $4,587,500 | 6,687 |
| Average total loans | $16,050,000 | 7,032 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4966% | 6,409 |
| Cost of funding earning assets | 0.8411% | 6,398 |
| Net interest margin | 3.6555% | 4,549 |
| Noninterest income to average assets | 0.3474% | 5,317 |
| Noninterest expense to average assets | 2.9234% | 4,131 |
| Loan and lease loss provision to assets | 0.5577% | 2,897 |
| Net operating income to assets | 0.2834% | 4,986 |
| Return on assets (ROA) | 0.3040% | 5,093 |
| Pretax return on assets | 0.3040% | 5,223 |
| Return on Equity (ROE) | 2.9490% | 4,979 |
| Retained earnings to average equity (ytd only) | 2.3725% | 4,214 |
| Net charge-offs to loans | 1.7571% | 1,211 |
| Credit loss provision to net charge-offs | 78.2051% | 5,628 |
| Earnings coverage of net charge-offs (x) | 1.1795% | 4,925 |
| Efficiency ratio | 77.6563% | 2,768 |
| Assets per employee ($millions) | 3.8975% | 4,013 |
| Cash dividends to net income (ytd only)* | 19.5489% | 3,475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0051% | 6,366 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.9073% | 5,207 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 38.3668% | 7,060 |
| Net loans and leases to deposits | 43.0399% | 7,149 |
| Net loans and leases to core deposits | 43.7730% | 7,208 |
| Total domestic deposits to total assets | 89.1424% | 1,577 |
| Equity capital to assets | 10.7364% | 2,916 |
| Core capital (leverage) ratio | 10.4649% | 2,593 |
| Tier 1 risk-based capital ratio | 18.3512% | 1,893 |
| Total risk-based capital ratio | 19.0486% | 2,024 |
| Memoranda: | ||
| Average total assets | $43,750,000 | 6,745 |
| Average earning assets | $40,897,200 | 6,679 |
| Average equity | $4,510,000 | 6,815 |
| Average total loans | $17,756,600 | 7,040 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5568% | 6,456 |
| Cost of funding earning assets | 0.8829% | 6,460 |
| Net interest margin | 3.6739% | 4,529 |
| Noninterest income to average assets | 0.3426% | 5,431 |
| Noninterest expense to average assets | 2.7958% | 4,506 |
| Loan and lease loss provision to assets | 0.5762% | 2,630 |
| Net operating income to assets | 0.4154% | 4,678 |
| Return on assets (ROA) | 0.4518% | 4,718 |
| Pretax return on assets | 0.4518% | 5,071 |
| Return on Equity (ROE) | 4.4277% | 4,586 |
| Retained earnings to average equity (ytd only) | 4.0415% | 3,637 |
| Net charge-offs to loans | 1.4189% | 1,435 |
| Credit loss provision to net charge-offs | 98.9583% | 4,406 |
| Earnings coverage of net charge-offs (x) | 1.7032% | 4,426 |
| Efficiency ratio | 73.8191% | 3,359 |
| Assets per employee ($millions) | 3.6729% | 4,558 |
| Cash dividends to net income (ytd only)* | 8.7234% | 3,356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3356% | 4,770 |
| Loan loss allowance to noncurrent loans | 189.4309% | 1,516 |
| Noncurrent assets plus other real estate owned to assets | 1.4158% | 4,329 |
| Noncurrent loans to loans | 0.7051% | 5,800 |
| Net loans and leases to total assets | 42.6019% | 6,942 |
| Net loans and leases to deposits | 48.3415% | 7,073 |
| Net loans and leases to core deposits | 49.9594% | 7,126 |
| Total domestic deposits to total assets | 88.1268% | 1,883 |
| Equity capital to assets | 11.4524% | 2,572 |
| Core capital (leverage) ratio | 10.6104% | 2,590 |
| Tier 1 risk-based capital ratio | 18.3661% | 1,912 |
| Total risk-based capital ratio | 19.3338% | 1,963 |
| Memoranda: | ||
| Average total assets | $43,969,250 | 6,819 |
| Average earning assets | $41,226,500 | 6,750 |
| Average equity | $4,486,750 | 6,909 |
| Average total loans | $18,041,750 | 7,117 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5328% | 6,627 |
| Cost of funding earning assets | 0.9018% | 6,571 |
| Net interest margin | 3.6310% | 4,683 |
| Noninterest income to average assets | 0.3277% | 5,533 |
| Noninterest expense to average assets | 2.7769% | 4,590 |
| Loan and lease loss provision to assets | 0.8193% | 1,765 |
| Net operating income to assets | 0.1373% | 5,762 |
| Return on assets (ROA) | 0.1904% | 5,715 |
| Pretax return on assets | 0.1904% | 5,790 |
| Return on Equity (ROE) | 1.9369% | 5,653 |
| Retained earnings to average equity (ytd only) | 1.3514% | 5,207 |
| Net charge-offs to loans | 2.1162% | 856 |
| Credit loss provision to net charge-offs | 95.8549% | 4,244 |
| Earnings coverage of net charge-offs (x) | 1.1192% | 4,670 |
| Efficiency ratio | 74.3772% | 3,399 |
| Assets per employee ($millions) | 3.8423% | 4,123 |
| Cash dividends to net income (ytd only)* | 30.2326% | 2,499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2638% | 5,112 |
| Loan loss allowance to noncurrent loans | 184.5528% | 1,529 |
| Noncurrent assets plus other real estate owned to assets | 1.3605% | 4,445 |
| Noncurrent loans to loans | 0.6848% | 5,881 |
| Net loans and leases to total assets | 41.9591% | 7,045 |
| Net loans and leases to deposits | 47.7015% | 7,180 |
| Net loans and leases to core deposits | 50.7411% | 7,186 |
| Total domestic deposits to total assets | 87.9617% | 2,026 |
| Equity capital to assets | 10.5951% | 3,286 |
| Core capital (leverage) ratio | 10.0766% | 3,090 |
| Tier 1 risk-based capital ratio | 17.4025% | 2,130 |
| Total risk-based capital ratio | 18.3178% | 2,208 |
| Memoranda: | ||
| Average total assets | $45,158,330 | 6,825 |
| Average earning assets | $42,358,000 | 6,762 |
| Average equity | $4,440,000 | 6,958 |
| Average total loans | $18,240,670 | 7,160 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4915% | 6,806 |
| Cost of funding earning assets | 0.9093% | 6,734 |
| Net interest margin | 3.5822% | 4,802 |
| Noninterest income to average assets | 0.3090% | 5,673 |
| Noninterest expense to average assets | 2.8151% | 4,437 |
| Loan and lease loss provision to assets | 0.4291% | 2,808 |
| Net operating income to assets | 0.4120% | 4,787 |
| Return on assets (ROA) | 0.0858% | 6,165 |
| Pretax return on assets | 0.0858% | 6,173 |
| Return on Equity (ROE) | 0.9048% | 6,141 |
| Retained earnings to average equity (ytd only) | 0.9048% | 5,453 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9953% | 3,061 |
| Assets per employee ($millions) | 4.1419% | 3,576 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5782% | 3,538 |
| Loan loss allowance to noncurrent loans | 89.6226% | 3,079 |
| Noncurrent assets plus other real estate owned to assets | 1.7054% | 3,921 |
| Noncurrent loans to loans | 1.7610% | 4,108 |
| Net loans and leases to total assets | 39.0092% | 7,306 |
| Net loans and leases to deposits | 44.5841% | 7,382 |
| Net loans and leases to core deposits | 48.3159% | 7,347 |
| Total domestic deposits to total assets | 87.4959% | 2,360 |
| Equity capital to assets | 9.7320% | 4,187 |
| Core capital (leverage) ratio | 9.0324% | 4,505 |
| Tier 1 risk-based capital ratio | 16.9094% | 2,295 |
| Total risk-based capital ratio | 18.0312% | 2,304 |
| Memoranda: | ||
| Average total assets | $46,605,000 | 6,856 |
| Average earning assets | $43,549,000 | 6,794 |
| Average equity | $4,421,000 | 7,027 |
| Average total loans | $18,380,500 | 7,248 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9250% | 6,657 |
| Cost of funding earning assets | 1.2209% | 6,588 |
| Net interest margin | 3.7041% | 4,126 |
| Noninterest income to average assets | 0.3360% | 5,689 |
| Noninterest expense to average assets | 3.0814% | 3,827 |
| Loan and lease loss provision to assets | 0.6996% | 3,022 |
| Net operating income to assets | 0.0529% | 5,329 |
| Return on assets (ROA) | -0.1634% | 5,788 |
| Pretax return on assets | -0.1634% | 5,667 |
| Return on Equity (ROE) | -1.6914% | 5,806 |
| Retained earnings to average equity (ytd only) | -2.0249% | 5,524 |
| Net charge-offs to loans | 1.9484% | 1,271 |
| Credit loss provision to net charge-offs | 82.6087% | 6,230 |
| Earnings coverage of net charge-offs (x) | 0.8886% | 5,221 |
| Efficiency ratio | 80.3721% | 2,829 |
| Assets per employee ($millions) | 4.3317% | 3,221 |
| Cash dividends to net income (ytd only)* | -19.7183% | 7,695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2565% | 5,008 |
| Loan loss allowance to noncurrent loans | 73.8994% | 3,722 |
| Noncurrent assets plus other real estate owned to assets | 1.0430% | 5,013 |
| Noncurrent loans to loans | 1.7003% | 4,091 |
| Net loans and leases to total assets | 38.7584% | 7,418 |
| Net loans and leases to deposits | 42.7738% | 7,545 |
| Net loans and leases to core deposits | 48.2521% | 7,625 |
| Total domestic deposits to total assets | 90.6126% | 691 |
| Equity capital to assets | 9.2510% | 4,769 |
| Core capital (leverage) ratio | 9.5915% | 3,609 |
| Tier 1 risk-based capital ratio | 15.3744% | 2,771 |
| Total risk-based capital ratio | 16.2172% | 2,908 |
| Memoranda: | ||
| Average total assets | $43,454,200 | 6,969 |
| Average earning assets | $41,035,800 | 6,906 |
| Average equity | $4,197,800 | 7,213 |
| Average total loans | $18,887,600 | 7,265 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0504% | 6,450 |
| Cost of funding earning assets | 1.2916% | 6,582 |
| Net interest margin | 3.7588% | 3,823 |
| Noninterest income to average assets | 0.3427% | 5,755 |
| Noninterest expense to average assets | 2.9775% | 4,130 |
| Loan and lease loss provision to assets | 0.9558% | 2,008 |
| Net operating income to assets | -0.0220% | 5,744 |
| Return on assets (ROA) | -0.1887% | 6,054 |
| Pretax return on assets | -0.1887% | 5,963 |
| Return on Equity (ROE) | -1.9299% | 6,090 |
| Retained earnings to average equity (ytd only) | -1.9299% | 5,709 |
| Net charge-offs to loans | 2.6337% | 688 |
| Credit loss provision to net charge-offs | 81.2834% | 5,728 |
| Earnings coverage of net charge-offs (x) | 0.7941% | 5,257 |
| Efficiency ratio | 76.1254% | 3,491 |
| Assets per employee ($millions) | 3.9338% | 3,862 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2632% | 4,733 |
| Loan loss allowance to noncurrent loans | 72.0126% | 3,737 |
| Noncurrent assets plus other real estate owned to assets | 1.1509% | 4,774 |
| Noncurrent loans to loans | 1.7542% | 3,984 |
| Net loans and leases to total assets | 41.3639% | 7,398 |
| Net loans and leases to deposits | 46.1802% | 7,560 |
| Net loans and leases to core deposits | 53.5626% | 7,606 |
| Total domestic deposits to total assets | 89.5706% | 934 |
| Equity capital to assets | 10.2399% | 3,800 |
| Core capital (leverage) ratio | 9.9970% | 3,287 |
| Tier 1 risk-based capital ratio | 16.1874% | 2,561 |
| Total risk-based capital ratio | 17.0471% | 2,641 |
| Memoranda: | ||
| Average total assets | $42,405,500 | 7,062 |
| Average earning assets | $40,260,000 | 6,990 |
| Average equity | $4,145,250 | 7,306 |
| Average total loans | $18,933,750 | 7,328 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1059% | 6,411 |
| Cost of funding earning assets | 1.3479% | 6,659 |
| Net interest margin | 3.7580% | 3,725 |
| Noninterest income to average assets | 0.3134% | 6,000 |
| Noninterest expense to average assets | 2.8825% | 4,569 |
| Loan and lease loss provision to assets | 1.4436% | 1,203 |
| Net operating income to assets | -0.4511% | 6,496 |
| Return on assets (ROA) | -0.7028% | 6,757 |
| Pretax return on assets | -0.7028% | 6,605 |
| Return on Equity (ROE) | -7.3086% | 6,832 |
| Retained earnings to average equity (ytd only) | -7.3086% | 6,595 |
| Net charge-offs to loans | 3.9266% | 362 |
| Credit loss provision to net charge-offs | 80.6366% | 5,182 |
| Earnings coverage of net charge-offs (x) | 0.5544% | 5,156 |
| Efficiency ratio | 74.3873% | 3,974 |
| Assets per employee ($millions) | 3.9443% | 3,790 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2371% | 4,692 |
| Loan loss allowance to noncurrent loans | 70.5329% | 3,914 |
| Noncurrent assets plus other real estate owned to assets | 1.1593% | 4,621 |
| Noncurrent loans to loans | 1.7540% | 3,878 |
| Net loans and leases to total assets | 41.3995% | 7,485 |
| Net loans and leases to deposits | 46.1179% | 7,628 |
| Net loans and leases to core deposits | 54.0715% | 7,657 |
| Total domestic deposits to total assets | 89.7688% | 926 |
| Equity capital to assets | 10.0606% | 3,858 |
| Core capital (leverage) ratio | 10.0447% | 3,248 |
| Tier 1 risk-based capital ratio | 15.8771% | 2,669 |
| Total risk-based capital ratio | 16.7231% | 2,756 |
| Memoranda: | ||
| Average total assets | $42,116,670 | 7,130 |
| Average earning assets | $39,914,670 | 7,056 |
| Average equity | $4,050,000 | 7,392 |
| Average total loans | $19,202,330 | 7,385 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2836% | 5,957 |
| Cost of funding earning assets | 1.4178% | 6,671 |
| Net interest margin | 3.8658% | 3,199 |
| Noninterest income to average assets | 0.2989% | 6,044 |
| Noninterest expense to average assets | 3.0086% | 3,730 |
| Loan and lease loss provision to assets | 2.9314% | 374 |
| Net operating income to assets | -1.9864% | 7,656 |
| Return on assets (ROA) | -2.5071% | 7,764 |
| Pretax return on assets | -2.5071% | 7,662 |
| Return on Equity (ROE) | -26.7180% | 7,870 |
| Retained earnings to average equity (ytd only) | -26.7180% | 7,811 |
| Net charge-offs to loans | 7.7118% | 101 |
| Credit loss provision to net charge-offs | 80.0000% | 4,190 |
| Earnings coverage of net charge-offs (x) | 0.2579% | 4,766 |
| Efficiency ratio | 76.0976% | 3,474 |
| Assets per employee ($millions) | 3.6643% | 4,416 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1670% | 5,001 |
| Loan loss allowance to noncurrent loans | 70.1258% | 4,093 |
| Noncurrent assets plus other real estate owned to assets | 0.7889% | 5,202 |
| Noncurrent loans to loans | 1.6641% | 3,774 |
| Net loans and leases to total assets | 46.8554% | 7,117 |
| Net loans and leases to deposits | 51.7808% | 7,415 |
| Net loans and leases to core deposits | 59.9613% | 7,456 |
| Total domestic deposits to total assets | 90.4880% | 597 |
| Equity capital to assets | 9.3086% | 4,928 |
| Core capital (leverage) ratio | 8.6673% | 5,218 |
| Tier 1 risk-based capital ratio | 13.5311% | 3,845 |
| Total risk-based capital ratio | 14.3665% | 4,015 |
| Memoranda: | ||
| Average total assets | $41,481,500 | 7,190 |
| Average earning assets | $39,216,000 | 7,119 |
| Average equity | $3,892,500 | 7,489 |
| Average total loans | $19,710,000 | 7,386 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8593% | 6,238 |
| Cost of funding earning assets | 1.9577% | 6,543 |
| Net interest margin | 3.9016% | 3,557 |
| Noninterest income to average assets | 0.3361% | 6,053 |
| Noninterest expense to average assets | 2.8776% | 4,518 |
| Loan and lease loss provision to assets | 1.6806% | 771 |
| Net operating income to assets | -0.5171% | 6,933 |
| Return on assets (ROA) | -0.5171% | 6,812 |
| Pretax return on assets | -0.5429% | 6,684 |
| Return on Equity (ROE) | -4.8093% | 6,845 |
| Retained earnings to average equity (ytd only) | -7.2140% | 6,805 |
| Net charge-offs to loans | 2.6739% | 350 |
| Credit loss provision to net charge-offs | 121.2687% | 4,424 |
| Earnings coverage of net charge-offs (x) | 0.8209% | 5,741 |
| Efficiency ratio | 71.6677% | 4,002 |
| Assets per employee ($millions) | 3.8778% | 3,792 |
| Cash dividends to net income (ytd only)* | -50.0000% | 8,063 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4721% | 2,820 |
| Loan loss allowance to noncurrent loans | 31.6402% | 6,618 |
| Noncurrent assets plus other real estate owned to assets | 2.2154% | 2,203 |
| Noncurrent loans to loans | 4.6527% | 1,013 |
| Net loans and leases to total assets | 46.9149% | 7,260 |
| Net loans and leases to deposits | 51.9253% | 7,538 |
| Net loans and leases to core deposits | 60.1485% | 7,582 |
| Total domestic deposits to total assets | 90.3507% | 534 |
| Equity capital to assets | 9.4547% | 4,749 |
| Core capital (leverage) ratio | 9.7573% | 3,706 |
| Tier 1 risk-based capital ratio | 13.8479% | 3,623 |
| Total risk-based capital ratio | 14.9172% | 3,630 |
| Memoranda: | ||
| Average total assets | $38,677,800 | 7,275 |
| Average earning assets | $36,471,800 | 7,216 |
| Average equity | $4,158,600 | 7,446 |
| Average total loans | $20,045,800 | 7,333 |