Home > The Mission Bank > Performance and Condition Ratios
The Mission Bank, Performance and Condition Ratios
2016-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8447% | 3,762 |
Cost of funding earning assets | 0.8395% | 410 |
Net interest margin | 3.0052% | 4,951 |
Noninterest income to average assets | 0.2015% | 5,210 |
Noninterest expense to average assets | 1.7360% | 5,530 |
Loan and lease loss provision to assets | 0.0000% | 4,332 |
Net operating income to assets | 0.9375% | 2,642 |
Return on assets (ROA) | 0.9463% | 2,710 |
Pretax return on assets | 1.3025% | 2,275 |
Return on Equity (ROE) | 5.2788% | 4,287 |
Retained earnings to average equity (ytd only) | 3.9929% | 3,079 |
Net charge-offs to loans | 0.0085% | 3,975 |
Credit loss provision to net charge-offs | 0.0000% | 3,785 |
Earnings coverage of net charge-offs (x) | 301.3043% | 252 |
Efficiency ratio | 57.3617% | 4,920 |
Assets per employee ($millions) | 6.3001% | 1,259 |
Cash dividends to net income (ytd only)* | 24.3605% | 3,552 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8931% | 815 |
Loan loss allowance to noncurrent loans | 993.7618% | 612 |
Noncurrent assets plus other real estate owned to assets | 0.6117% | 2,896 |
Noncurrent loans to loans | 0.1905% | 4,481 |
Net loans and leases to total assets | 54.0542% | 4,442 |
Net loans and leases to deposits | 71.7194% | 3,737 |
Net loans and leases to core deposits | 72.9029% | 4,019 |
Total domestic deposits to total assets | 75.3690% | 5,312 |
Equity capital to assets | 19.0403% | 244 |
Core capital (leverage) ratio | 16.8932% | 367 |
Tier 1 risk-based capital ratio | 22.4838% | 1,016 |
Total risk-based capital ratio | 23.7343% | 1,003 |
Memoranda: | ||
Average total assets | $537,043,800 | 1,288 |
Average earning assets | $504,820,800 | 1,268 |
Average equity | $96,271,600 | 824 |
Average total loans | $271,122,200 | 1,669 |
2016-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8550% | 3,751 |
Cost of funding earning assets | 0.5919% | 1,394 |
Net interest margin | 3.2631% | 4,299 |
Noninterest income to average assets | 0.0616% | 5,804 |
Noninterest expense to average assets | 1.7245% | 5,593 |
Loan and lease loss provision to assets | 0.0000% | 4,186 |
Net operating income to assets | 1.0042% | 2,412 |
Return on assets (ROA) | 1.0110% | 2,517 |
Pretax return on assets | 1.4106% | 2,004 |
Return on Equity (ROE) | 5.7222% | 4,207 |
Retained earnings to average equity (ytd only) | 4.0090% | 3,448 |
Net charge-offs to loans | -0.0139% | 4,890 |
Credit loss provision to net charge-offs | 0.0000% | 3,412 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 55.1748% | 5,136 |
Assets per employee ($millions) | 7.0837% | 860 |
Cash dividends to net income (ytd only)* | 29.9396% | 2,840 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8821% | 876 |
Loan loss allowance to noncurrent loans | 954.6763% | 607 |
Noncurrent assets plus other real estate owned to assets | 0.5649% | 3,215 |
Noncurrent loans to loans | 0.1971% | 4,561 |
Net loans and leases to total assets | 50.0828% | 4,815 |
Net loans and leases to deposits | 74.1071% | 3,586 |
Net loans and leases to core deposits | 75.4308% | 3,892 |
Total domestic deposits to total assets | 67.5817% | 5,777 |
Equity capital to assets | 17.6936% | 372 |
Core capital (leverage) ratio | 16.4962% | 418 |
Tier 1 risk-based capital ratio | 22.3470% | 1,084 |
Total risk-based capital ratio | 23.5978% | 1,068 |
Memoranda: | ||
Average total assets | $545,302,000 | 1,270 |
Average earning assets | $512,012,500 | 1,257 |
Average equity | $96,348,250 | 826 |
Average total loans | $269,478,750 | 1,678 |
2016-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8752% | 3,675 |
Cost of funding earning assets | 0.5984% | 1,327 |
Net interest margin | 3.2768% | 4,301 |
Noninterest income to average assets | 0.0317% | 5,951 |
Noninterest expense to average assets | 1.7602% | 5,635 |
Loan and lease loss provision to assets | 0.0000% | 4,017 |
Net operating income to assets | 0.9641% | 2,551 |
Return on assets (ROA) | 0.9744% | 2,646 |
Pretax return on assets | 1.3561% | 2,185 |
Return on Equity (ROE) | 5.5175% | 4,282 |
Retained earnings to average equity (ytd only) | 2.9350% | 4,045 |
Net charge-offs to loans | 0.0075% | 3,426 |
Credit loss provision to net charge-offs | 0.0000% | 3,050 |
Earnings coverage of net charge-offs (x) | 364.2000% | 192 |
Efficiency ratio | 56.7458% | 5,054 |
Assets per employee ($millions) | 6.6411% | 1,030 |
Cash dividends to net income (ytd only)* | 46.8053% | 2,109 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9559% | 808 |
Loan loss allowance to noncurrent loans | 888.7015% | 650 |
Noncurrent assets plus other real estate owned to assets | 0.6251% | 3,131 |
Noncurrent loans to loans | 0.2201% | 4,552 |
Net loans and leases to total assets | 48.5087% | 4,949 |
Net loans and leases to deposits | 70.7262% | 3,920 |
Net loans and leases to core deposits | 72.0995% | 4,167 |
Total domestic deposits to total assets | 68.5866% | 5,825 |
Equity capital to assets | 17.8277% | 353 |
Core capital (leverage) ratio | 16.3780% | 417 |
Tier 1 risk-based capital ratio | 22.8679% | 1,026 |
Total risk-based capital ratio | 24.1192% | 1,010 |
Memoranda: | ||
Average total assets | $542,893,670 | 1,280 |
Average earning assets | $508,666,330 | 1,266 |
Average equity | $95,877,000 | 828 |
Average total loans | $265,295,330 | 1,696 |
2016-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7159% | 4,267 |
Cost of funding earning assets | 0.6040% | 1,307 |
Net interest margin | 3.1118% | 4,827 |
Noninterest income to average assets | 0.1026% | 5,815 |
Noninterest expense to average assets | 1.8249% | 5,622 |
Loan and lease loss provision to assets | 0.0000% | 3,656 |
Net operating income to assets | 0.8559% | 2,967 |
Return on assets (ROA) | 0.8767% | 2,984 |
Pretax return on assets | 1.2146% | 2,643 |
Return on Equity (ROE) | 4.9878% | 4,490 |
Retained earnings to average equity (ytd only) | 4.9878% | 2,947 |
Net charge-offs to loans | -0.1596% | 5,790 |
Credit loss provision to net charge-offs | 0.0000% | 2,416 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 60.6127% | 4,662 |
Assets per employee ($millions) | 6.0842% | 1,351 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0470% | 758 |
Loan loss allowance to noncurrent loans | 793.0781% | 688 |
Noncurrent assets plus other real estate owned to assets | 0.9093% | 2,416 |
Noncurrent loans to loans | 0.2581% | 4,514 |
Net loans and leases to total assets | 47.0594% | 5,042 |
Net loans and leases to deposits | 67.9840% | 4,060 |
Net loans and leases to core deposits | 69.2351% | 4,295 |
Total domestic deposits to total assets | 69.2213% | 5,895 |
Equity capital to assets | 17.6505% | 358 |
Core capital (leverage) ratio | 16.6977% | 399 |
Tier 1 risk-based capital ratio | 22.3550% | 1,109 |
Total risk-based capital ratio | 23.6064% | 1,089 |
Memoranda: | ||
Average total assets | $542,053,500 | 1,281 |
Average earning assets | $506,586,000 | 1,273 |
Average equity | $95,273,000 | 830 |
Average total loans | $263,225,000 | 1,703 |
2015-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0197% | 3,237 |
Cost of funding earning assets | 0.6696% | 961 |
Net interest margin | 3.3501% | 4,110 |
Noninterest income to average assets | 0.1938% | 5,425 |
Noninterest expense to average assets | 1.8929% | 5,624 |
Loan and lease loss provision to assets | 0.0000% | 4,380 |
Net operating income to assets | 1.0185% | 2,269 |
Return on assets (ROA) | 1.0653% | 2,142 |
Pretax return on assets | 1.4846% | 1,606 |
Return on Equity (ROE) | 6.1286% | 3,978 |
Retained earnings to average equity (ytd only) | 3.6212% | 3,479 |
Net charge-offs to loans | -0.0259% | 5,350 |
Credit loss provision to net charge-offs | 0.0000% | 3,899 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 57.1453% | 5,243 |
Assets per employee ($millions) | 6.3121% | 1,192 |
Cash dividends to net income (ytd only)* | 40.9139% | 2,800 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0047% | 792 |
Loan loss allowance to noncurrent loans | 758.6207% | 764 |
Noncurrent assets plus other real estate owned to assets | 0.9992% | 2,197 |
Noncurrent loans to loans | 0.2643% | 4,501 |
Net loans and leases to total assets | 48.1051% | 5,005 |
Net loans and leases to deposits | 70.2528% | 3,893 |
Net loans and leases to core deposits | 72.0665% | 4,129 |
Total domestic deposits to total assets | 68.4743% | 5,958 |
Equity capital to assets | 17.5006% | 359 |
Core capital (leverage) ratio | 16.2412% | 437 |
Tier 1 risk-based capital ratio | 22.3615% | 1,105 |
Total risk-based capital ratio | 23.6129% | 1,084 |
Memoranda: | ||
Average total assets | $536,169,200 | 1,263 |
Average earning assets | $499,116,200 | 1,253 |
Average equity | $93,202,200 | 815 |
Average total loans | $255,231,200 | 1,695 |
2015-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0950% | 2,962 |
Cost of funding earning assets | 0.6829% | 921 |
Net interest margin | 3.4121% | 3,903 |
Noninterest income to average assets | 0.2022% | 5,429 |
Noninterest expense to average assets | 1.8932% | 5,650 |
Loan and lease loss provision to assets | 0.0000% | 4,232 |
Net operating income to assets | 1.0923% | 2,047 |
Return on assets (ROA) | 1.1381% | 1,941 |
Pretax return on assets | 1.5472% | 1,546 |
Return on Equity (ROE) | 6.5584% | 3,866 |
Retained earnings to average equity (ytd only) | 4.8428% | 3,021 |
Net charge-offs to loans | -0.0311% | 5,369 |
Credit loss provision to net charge-offs | 0.0000% | 3,517 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 56.0365% | 5,349 |
Assets per employee ($millions) | 6.2189% | 1,224 |
Cash dividends to net income (ytd only)* | 26.1582% | 2,993 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0706% | 821 |
Loan loss allowance to noncurrent loans | 731.3454% | 743 |
Noncurrent assets plus other real estate owned to assets | 1.0668% | 2,231 |
Noncurrent loans to loans | 0.2831% | 4,566 |
Net loans and leases to total assets | 45.5700% | 5,259 |
Net loans and leases to deposits | 66.4767% | 4,338 |
Net loans and leases to core deposits | 67.8888% | 4,549 |
Total domestic deposits to total assets | 68.5503% | 6,021 |
Equity capital to assets | 17.3488% | 397 |
Core capital (leverage) ratio | 16.4438% | 432 |
Tier 1 risk-based capital ratio | 22.8323% | 1,079 |
Total risk-based capital ratio | 24.0838% | 1,059 |
Memoranda: | ||
Average total assets | $536,078,750 | 1,271 |
Average earning assets | $499,040,000 | 1,261 |
Average equity | $93,028,750 | 820 |
Average total loans | $253,194,250 | 1,716 |
2015-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1629% | 2,669 |
Cost of funding earning assets | 0.7110% | 802 |
Net interest margin | 3.4520% | 3,698 |
Noninterest income to average assets | 0.0909% | 6,058 |
Noninterest expense to average assets | 1.8390% | 5,798 |
Loan and lease loss provision to assets | 0.0000% | 4,069 |
Net operating income to assets | 1.0767% | 2,026 |
Return on assets (ROA) | 1.1462% | 1,862 |
Pretax return on assets | 1.5580% | 1,461 |
Return on Equity (ROE) | 6.6046% | 3,829 |
Retained earnings to average equity (ytd only) | 4.0134% | 3,463 |
Net charge-offs to loans | -0.0364% | 5,409 |
Credit loss provision to net charge-offs | 0.0000% | 3,158 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 55.6756% | 5,459 |
Assets per employee ($millions) | 6.2989% | 1,156 |
Cash dividends to net income (ytd only)* | 39.2330% | 2,426 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0837% | 876 |
Loan loss allowance to noncurrent loans | 698.5392% | 766 |
Noncurrent assets plus other real estate owned to assets | 1.1616% | 2,183 |
Noncurrent loans to loans | 0.2983% | 4,620 |
Net loans and leases to total assets | 46.7159% | 5,198 |
Net loans and leases to deposits | 68.8925% | 4,043 |
Net loans and leases to core deposits | 70.3716% | 4,290 |
Total domestic deposits to total assets | 67.8098% | 6,118 |
Equity capital to assets | 17.4396% | 380 |
Core capital (leverage) ratio | 16.2497% | 438 |
Tier 1 risk-based capital ratio | 24.1616% | 939 |
Total risk-based capital ratio | 25.4144% | 927 |
Memoranda: | ||
Average total assets | $532,350,330 | 1,288 |
Average earning assets | $495,370,670 | 1,273 |
Average equity | $92,390,330 | 830 |
Average total loans | $252,705,330 | 1,727 |
2015-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9477% | 3,426 |
Cost of funding earning assets | 0.7265% | 751 |
Net interest margin | 3.2212% | 4,524 |
Noninterest income to average assets | 0.2502% | 5,169 |
Noninterest expense to average assets | 1.8353% | 5,845 |
Loan and lease loss provision to assets | 0.0000% | 3,703 |
Net operating income to assets | 1.0470% | 2,046 |
Return on assets (ROA) | 1.0825% | 2,046 |
Pretax return on assets | 1.4555% | 1,711 |
Return on Equity (ROE) | 6.2521% | 3,897 |
Retained earnings to average equity (ytd only) | 6.2521% | 2,354 |
Net charge-offs to loans | -0.0490% | 5,502 |
Credit loss provision to net charge-offs | 0.0000% | 2,491 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 56.5951% | 5,475 |
Assets per employee ($millions) | 6.2642% | 1,211 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1112% | 912 |
Loan loss allowance to noncurrent loans | 669.0051% | 773 |
Noncurrent assets plus other real estate owned to assets | 1.3224% | 2,007 |
Noncurrent loans to loans | 0.3156% | 4,661 |
Net loans and leases to total assets | 45.6744% | 5,222 |
Net loans and leases to deposits | 68.0190% | 3,953 |
Net loans and leases to core deposits | 69.5232% | 4,202 |
Total domestic deposits to total assets | 67.1495% | 6,220 |
Equity capital to assets | 17.5993% | 367 |
Core capital (leverage) ratio | 16.1509% | 445 |
Tier 1 risk-based capital ratio | 24.3770% | 953 |
Total risk-based capital ratio | 25.6299% | 932 |
Memoranda: | ||
Average total assets | $533,973,000 | 1,282 |
Average earning assets | $496,088,000 | 1,279 |
Average equity | $92,448,500 | 833 |
Average total loans | $252,840,000 | 1,719 |
2014-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1860% | 2,995 |
Cost of funding earning assets | 0.7821% | 712 |
Net interest margin | 3.4039% | 4,185 |
Noninterest income to average assets | -0.0545% | 6,435 |
Noninterest expense to average assets | 1.7481% | 6,118 |
Loan and lease loss provision to assets | 0.0000% | 4,603 |
Net operating income to assets | 0.9793% | 2,487 |
Return on assets (ROA) | 0.9793% | 2,563 |
Pretax return on assets | 1.3163% | 2,189 |
Return on Equity (ROE) | 6.0594% | 4,113 |
Retained earnings to average equity (ytd only) | 3.6789% | 3,604 |
Net charge-offs to loans | 1.3002% | 199 |
Credit loss provision to net charge-offs | 0.0000% | 4,203 |
Earnings coverage of net charge-offs (x) | 2.1226% | 4,239 |
Efficiency ratio | 57.0459% | 5,558 |
Assets per employee ($millions) | 6.2267% | 1,230 |
Cash dividends to net income (ytd only)* | 39.2857% | 2,890 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0269% | 1,058 |
Loan loss allowance to noncurrent loans | 645.2970% | 874 |
Noncurrent assets plus other real estate owned to assets | 1.4755% | 1,861 |
Noncurrent loans to loans | 0.3141% | 4,719 |
Net loans and leases to total assets | 47.0644% | 5,242 |
Net loans and leases to deposits | 69.8537% | 3,932 |
Net loans and leases to core deposits | 71.6618% | 4,162 |
Total domestic deposits to total assets | 67.3756% | 6,290 |
Equity capital to assets | 17.0290% | 412 |
Core capital (leverage) ratio | 15.4655% | 540 |
Tier 1 risk-based capital ratio | 24.6300% | 876 |
Total risk-based capital ratio | 25.8836% | 857 |
Memoranda: | ||
Average total assets | $543,268,400 | 1,232 |
Average earning assets | $497,783,800 | 1,238 |
Average equity | $87,798,000 | 841 |
Average total loans | $259,113,600 | 1,638 |
2014-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2097% | 2,955 |
Cost of funding earning assets | 0.7885% | 729 |
Net interest margin | 3.4212% | 4,143 |
Noninterest income to average assets | -0.1000% | 6,526 |
Noninterest expense to average assets | 1.7280% | 6,185 |
Loan and lease loss provision to assets | 0.0000% | 4,401 |
Net operating income to assets | 0.9757% | 2,566 |
Return on assets (ROA) | 0.9757% | 2,636 |
Pretax return on assets | 1.2959% | 2,391 |
Return on Equity (ROE) | 6.1183% | 4,173 |
Retained earnings to average equity (ytd only) | 4.5159% | 3,437 |
Net charge-offs to loans | -0.0760% | 6,053 |
Credit loss provision to net charge-offs | 0.0000% | 3,801 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 57.1452% | 5,546 |
Assets per employee ($millions) | 6.1337% | 1,241 |
Cash dividends to net income (ytd only)* | 26.1905% | 2,967 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.3518% | 257 |
Loan loss allowance to noncurrent loans | 907.5884% | 618 |
Noncurrent assets plus other real estate owned to assets | 1.5400% | 1,995 |
Noncurrent loans to loans | 0.3693% | 4,805 |
Net loans and leases to total assets | 46.1174% | 5,364 |
Net loans and leases to deposits | 67.3454% | 4,200 |
Net loans and leases to core deposits | 68.7616% | 4,436 |
Total domestic deposits to total assets | 68.4788% | 6,330 |
Equity capital to assets | 16.4146% | 504 |
Core capital (leverage) ratio | 15.0076% | 614 |
Tier 1 risk-based capital ratio | 24.2360% | 964 |
Total risk-based capital ratio | 25.5026% | 939 |
Memoranda: | ||
Average total assets | $545,212,500 | 1,234 |
Average earning assets | $497,824,250 | 1,246 |
Average equity | $86,950,250 | 853 |
Average total loans | $259,582,000 | 1,639 |
2014-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3199% | 2,519 |
Cost of funding earning assets | 0.7956% | 726 |
Net interest margin | 3.5243% | 3,684 |
Noninterest income to average assets | -0.1116% | 6,606 |
Noninterest expense to average assets | 1.7160% | 6,250 |
Loan and lease loss provision to assets | 0.0000% | 4,196 |
Net operating income to assets | 1.0239% | 2,230 |
Return on assets (ROA) | 1.0239% | 2,295 |
Pretax return on assets | 1.3733% | 1,989 |
Return on Equity (ROE) | 6.4835% | 3,889 |
Retained earnings to average equity (ytd only) | 4.0551% | 3,596 |
Net charge-offs to loans | -0.1088% | 6,175 |
Credit loss provision to net charge-offs | 0.0000% | 3,401 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 55.5476% | 5,788 |
Assets per employee ($millions) | 6.0719% | 1,237 |
Cash dividends to net income (ytd only)* | 37.4552% | 2,509 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.4173% | 259 |
Loan loss allowance to noncurrent loans | 727.0000% | 671 |
Noncurrent assets plus other real estate owned to assets | 1.6610% | 1,962 |
Noncurrent loans to loans | 0.4701% | 4,592 |
Net loans and leases to total assets | 45.1191% | 5,451 |
Net loans and leases to deposits | 65.3280% | 4,348 |
Net loans and leases to core deposits | 66.7953% | 4,569 |
Total domestic deposits to total assets | 69.0654% | 6,387 |
Equity capital to assets | 16.2158% | 515 |
Core capital (leverage) ratio | 14.8311% | 630 |
Tier 1 risk-based capital ratio | 24.3664% | 944 |
Total risk-based capital ratio | 25.6335% | 922 |
Memoranda: | ||
Average total assets | $544,982,330 | 1,232 |
Average earning assets | $494,966,330 | 1,250 |
Average equity | $86,064,330 | 858 |
Average total loans | $259,280,330 | 1,635 |
2014-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5037% | 1,801 |
Cost of funding earning assets | 0.8076% | 720 |
Net interest margin | 3.6962% | 2,879 |
Noninterest income to average assets | -0.0257% | 6,640 |
Noninterest expense to average assets | 1.7412% | 6,292 |
Loan and lease loss provision to assets | 0.0000% | 3,817 |
Net operating income to assets | 1.1355% | 1,679 |
Return on assets (ROA) | 1.1355% | 1,747 |
Pretax return on assets | 1.5567% | 1,269 |
Return on Equity (ROE) | 7.2887% | 3,316 |
Retained earnings to average equity (ytd only) | 7.2887% | 1,910 |
Net charge-offs to loans | -0.2113% | 6,404 |
Credit loss provision to net charge-offs | 0.0000% | 2,688 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 52.7970% | 6,092 |
Assets per employee ($millions) | 6.2203% | 1,169 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.3923% | 293 |
Loan loss allowance to noncurrent loans | 697.1223% | 709 |
Noncurrent assets plus other real estate owned to assets | 2.2167% | 1,493 |
Noncurrent loans to loans | 0.4866% | 4,701 |
Net loans and leases to total assets | 45.3721% | 5,394 |
Net loans and leases to deposits | 65.8726% | 4,114 |
Net loans and leases to core deposits | 67.3515% | 4,373 |
Total domestic deposits to total assets | 68.8786% | 6,488 |
Equity capital to assets | 15.8006% | 553 |
Core capital (leverage) ratio | 14.8007% | 624 |
Tier 1 risk-based capital ratio | 23.7162% | 1,046 |
Total risk-based capital ratio | 24.9829% | 1,024 |
Memoranda: | ||
Average total assets | $544,237,500 | 1,244 |
Average earning assets | $489,371,500 | 1,271 |
Average equity | $84,789,000 | 870 |
Average total loans | $261,277,000 | 1,627 |
2013-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0986% | 3,739 |
Cost of funding earning assets | 0.8775% | 834 |
Net interest margin | 3.2211% | 4,929 |
Noninterest income to average assets | 0.2242% | 5,733 |
Noninterest expense to average assets | 1.8386% | 6,268 |
Loan and lease loss provision to assets | 0.0000% | 5,091 |
Net operating income to assets | 0.9633% | 2,501 |
Return on assets (ROA) | 0.9633% | 2,566 |
Pretax return on assets | 1.2924% | 2,188 |
Return on Equity (ROE) | 6.2388% | 3,948 |
Retained earnings to average equity (ytd only) | 4.2531% | 3,151 |
Net charge-offs to loans | 1.2160% | 433 |
Credit loss provision to net charge-offs | 0.0000% | 4,707 |
Earnings coverage of net charge-offs (x) | 2.0957% | 4,339 |
Efficiency ratio | 58.6694% | 5,652 |
Assets per employee ($millions) | 6.2194% | 1,127 |
Cash dividends to net income (ytd only)* | 31.8285% | 3,202 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.2331% | 357 |
Loan loss allowance to noncurrent loans | 617.4820% | 793 |
Noncurrent assets plus other real estate owned to assets | 4.6725% | 521 |
Noncurrent loans to loans | 0.5236% | 4,683 |
Net loans and leases to total assets | 47.4764% | 5,350 |
Net loans and leases to deposits | 68.6593% | 3,955 |
Net loans and leases to core deposits | 70.3546% | 4,257 |
Total domestic deposits to total assets | 69.1478% | 6,554 |
Equity capital to assets | 15.3556% | 611 |
Core capital (leverage) ratio | 13.7177% | 894 |
Tier 1 risk-based capital ratio | 21.0124% | 1,418 |
Total risk-based capital ratio | 22.2762% | 1,394 |
Memoranda: | ||
Average total assets | $547,258,600 | 1,212 |
Average earning assets | $493,876,000 | 1,235 |
Average equity | $84,503,600 | 844 |
Average total loans | $277,550,800 | 1,520 |
2013-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0180% | 4,060 |
Cost of funding earning assets | 0.8835% | 892 |
Net interest margin | 3.1345% | 5,216 |
Noninterest income to average assets | 0.0544% | 6,621 |
Noninterest expense to average assets | 1.7337% | 6,438 |
Loan and lease loss provision to assets | 0.0000% | 4,941 |
Net operating income to assets | 0.8773% | 2,953 |
Return on assets (ROA) | 0.8773% | 3,067 |
Pretax return on assets | 1.1635% | 2,837 |
Return on Equity (ROE) | 5.6737% | 4,364 |
Retained earnings to average equity (ytd only) | 4.6885% | 3,323 |
Net charge-offs to loans | 1.4955% | 314 |
Credit loss provision to net charge-offs | 0.0000% | 4,342 |
Earnings coverage of net charge-offs (x) | 1.5218% | 4,330 |
Efficiency ratio | 59.7652% | 5,470 |
Assets per employee ($millions) | 6.4574% | 949 |
Cash dividends to net income (ytd only)* | 17.3636% | 3,189 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.2126% | 446 |
Loan loss allowance to noncurrent loans | 614.8639% | 743 |
Noncurrent assets plus other real estate owned to assets | 4.7744% | 609 |
Noncurrent loans to loans | 0.5225% | 4,889 |
Net loans and leases to total assets | 47.8003% | 5,369 |
Net loans and leases to deposits | 68.8391% | 3,958 |
Net loans and leases to core deposits | 70.5007% | 4,267 |
Total domestic deposits to total assets | 69.4376% | 6,621 |
Equity capital to assets | 15.1566% | 688 |
Core capital (leverage) ratio | 14.0014% | 873 |
Tier 1 risk-based capital ratio | 20.2218% | 1,675 |
Total risk-based capital ratio | 21.4857% | 1,652 |
Memoranda: | ||
Average total assets | $548,801,750 | 1,221 |
Average earning assets | $497,710,500 | 1,231 |
Average equity | $84,857,750 | 846 |
Average total loans | $280,570,750 | 1,512 |
2013-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9351% | 4,336 |
Cost of funding earning assets | 0.8957% | 915 |
Net interest margin | 3.0394% | 5,469 |
Noninterest income to average assets | 0.0296% | 6,730 |
Noninterest expense to average assets | 1.7811% | 6,403 |
Loan and lease loss provision to assets | 0.0000% | 4,788 |
Net operating income to assets | 0.7929% | 3,331 |
Return on assets (ROA) | 0.7929% | 3,492 |
Pretax return on assets | 1.0208% | 3,414 |
Return on Equity (ROE) | 5.0936% | 4,673 |
Retained earnings to average equity (ytd only) | 3.6198% | 4,013 |
Net charge-offs to loans | 0.1769% | 2,701 |
Credit loss provision to net charge-offs | 0.0000% | 4,003 |
Earnings coverage of net charge-offs (x) | 11.1600% | 2,080 |
Efficiency ratio | 63.4500% | 4,939 |
Assets per employee ($millions) | 6.2610% | 1,043 |
Cash dividends to net income (ytd only)* | 28.9340% | 2,702 |
Condition Ratios (%) | ||
Loss allowance to loans | 4.0386% | 249 |
Loan loss allowance to noncurrent loans | 348.4524% | 1,211 |
Noncurrent assets plus other real estate owned to assets | 2.6748% | 1,561 |
Noncurrent loans to loans | 1.1590% | 3,620 |
Net loans and leases to total assets | 51.0721% | 4,988 |
Net loans and leases to deposits | 74.0775% | 3,139 |
Net loans and leases to core deposits | 76.6130% | 3,471 |
Total domestic deposits to total assets | 68.9442% | 6,692 |
Equity capital to assets | 15.2876% | 657 |
Core capital (leverage) ratio | 13.9302% | 841 |
Tier 1 risk-based capital ratio | 20.8795% | 1,515 |
Total risk-based capital ratio | 22.1546% | 1,489 |
Memoranda: | ||
Average total assets | $546,623,670 | 1,230 |
Average earning assets | $498,586,000 | 1,230 |
Average equity | $85,087,000 | 838 |
Average total loans | $282,673,330 | 1,504 |
2013-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8390% | 4,681 |
Cost of funding earning assets | 0.9065% | 959 |
Net interest margin | 2.9325% | 5,751 |
Noninterest income to average assets | -0.0431% | 6,896 |
Noninterest expense to average assets | 1.8174% | 6,418 |
Loan and lease loss provision to assets | 0.0000% | 4,409 |
Net operating income to assets | 0.6626% | 3,892 |
Return on assets (ROA) | 0.6626% | 4,047 |
Pretax return on assets | 0.8145% | 4,117 |
Return on Equity (ROE) | 4.2189% | 4,988 |
Retained earnings to average equity (ytd only) | 4.2189% | 3,694 |
Net charge-offs to loans | 0.4386% | 1,357 |
Credit loss provision to net charge-offs | 0.0000% | 3,239 |
Earnings coverage of net charge-offs (x) | 3.6438% | 2,712 |
Efficiency ratio | 68.8038% | 4,175 |
Assets per employee ($millions) | 6.0373% | 1,233 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
Condition Ratios (%) | ||
Loss allowance to loans | 4.1773% | 245 |
Loan loss allowance to noncurrent loans | 268.6650% | 1,460 |
Noncurrent assets plus other real estate owned to assets | 3.3280% | 1,314 |
Noncurrent loans to loans | 1.5548% | 3,212 |
Net loans and leases to total assets | 49.1913% | 5,089 |
Net loans and leases to deposits | 71.2959% | 3,286 |
Net loans and leases to core deposits | 73.9600% | 3,584 |
Total domestic deposits to total assets | 68.9960% | 6,784 |
Equity capital to assets | 15.8872% | 574 |
Core capital (leverage) ratio | 14.2060% | 744 |
Tier 1 risk-based capital ratio | 22.1193% | 1,311 |
Total risk-based capital ratio | 23.3957% | 1,276 |
Memoranda: | ||
Average total assets | $547,580,500 | 1,234 |
Average earning assets | $499,506,000 | 1,240 |
Average equity | $85,994,000 | 836 |
Average total loans | $279,058,500 | 1,529 |
2012-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1099% | 4,914 |
Cost of funding earning assets | 1.1159% | 849 |
Net interest margin | 2.9939% | 6,066 |
Noninterest income to average assets | 0.1159% | 6,451 |
Noninterest expense to average assets | 1.7065% | 6,720 |
Loan and lease loss provision to assets | 0.6522% | 819 |
Net operating income to assets | 0.4304% | 4,963 |
Return on assets (ROA) | 0.4067% | 5,329 |
Pretax return on assets | 0.4563% | 5,407 |
Return on Equity (ROE) | 2.6146% | 5,703 |
Retained earnings to average equity (ytd only) | 1.9589% | 4,843 |
Net charge-offs to loans | 0.8681% | 1,319 |
Credit loss provision to net charge-offs | 141.0106% | 1,946 |
Earnings coverage of net charge-offs (x) | 2.4544% | 4,181 |
Efficiency ratio | 59.3650% | 5,634 |
Assets per employee ($millions) | 6.3426% | 1,073 |
Cash dividends to net income (ytd only)* | 25.0780% | 3,565 |
Condition Ratios (%) | ||
Loss allowance to loans | 4.2832% | 229 |
Loan loss allowance to noncurrent loans | 323.5390% | 1,213 |
Noncurrent assets plus other real estate owned to assets | 3.2232% | 1,440 |
Noncurrent loans to loans | 1.3239% | 3,627 |
Net loans and leases to total assets | 48.4271% | 5,365 |
Net loans and leases to deposits | 70.0059% | 3,713 |
Net loans and leases to core deposits | 72.6821% | 3,952 |
Total domestic deposits to total assets | 69.1757% | 6,818 |
Equity capital to assets | 15.5243% | 630 |
Core capital (leverage) ratio | 13.8104% | 856 |
Tier 1 risk-based capital ratio | 22.2135% | 1,228 |
Total risk-based capital ratio | 23.4917% | 1,195 |
Memoranda: | ||
Average total assets | $551,998,000 | 1,215 |
Average earning assets | $502,547,000 | 1,207 |
Average equity | $85,865,400 | 815 |
Average total loans | $294,105,400 | 1,428 |
2012-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1718% | 4,912 |
Cost of funding earning assets | 1.1435% | 886 |
Net interest margin | 3.0284% | 6,109 |
Noninterest income to average assets | 0.0398% | 6,835 |
Noninterest expense to average assets | 1.7218% | 6,768 |
Loan and lease loss provision to assets | 0.1449% | 3,723 |
Net operating income to assets | 0.7361% | 3,750 |
Return on assets (ROA) | 0.7424% | 3,976 |
Pretax return on assets | 0.9405% | 3,959 |
Return on Equity (ROE) | 4.7704% | 4,936 |
Retained earnings to average equity (ytd only) | 4.7704% | 3,545 |
Net charge-offs to loans | 1.1366% | 885 |
Credit loss provision to net charge-offs | 23.6314% | 4,902 |
Earnings coverage of net charge-offs (x) | 1.7570% | 4,389 |
Efficiency ratio | 60.8110% | 5,351 |
Assets per employee ($millions) | 6.1734% | 1,137 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.1491% | 629 |
Loan loss allowance to noncurrent loans | 302.3930% | 1,236 |
Noncurrent assets plus other real estate owned to assets | 3.3276% | 1,525 |
Noncurrent loans to loans | 1.0414% | 4,358 |
Net loans and leases to total assets | 50.2220% | 5,287 |
Net loans and leases to deposits | 72.9303% | 3,459 |
Net loans and leases to core deposits | 75.8923% | 3,738 |
Total domestic deposits to total assets | 68.8630% | 6,890 |
Equity capital to assets | 15.9231% | 619 |
Core capital (leverage) ratio | 14.2853% | 756 |
Tier 1 risk-based capital ratio | 22.1736% | 1,300 |
Total risk-based capital ratio | 23.4399% | 1,278 |
Memoranda: | ||
Average total assets | $552,046,250 | 1,225 |
Average earning assets | $503,010,000 | 1,218 |
Average equity | $85,915,750 | 811 |
Average total loans | $297,836,500 | 1,422 |
2012-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1960% | 4,968 |
Cost of funding earning assets | 1.1708% | 941 |
Net interest margin | 3.0252% | 6,190 |
Noninterest income to average assets | 0.0137% | 6,962 |
Noninterest expense to average assets | 1.7037% | 6,840 |
Loan and lease loss provision to assets | 0.1085% | 4,163 |
Net operating income to assets | 0.7621% | 3,547 |
Return on assets (ROA) | 0.7621% | 3,816 |
Pretax return on assets | 0.9560% | 3,867 |
Return on Equity (ROE) | 4.9349% | 4,835 |
Retained earnings to average equity (ytd only) | 4.9349% | 3,314 |
Net charge-offs to loans | 1.6568% | 560 |
Credit loss provision to net charge-offs | 11.9856% | 4,718 |
Earnings coverage of net charge-offs (x) | 1.1758% | 4,424 |
Efficiency ratio | 60.8389% | 5,446 |
Assets per employee ($millions) | 6.1413% | 1,145 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.0213% | 765 |
Loan loss allowance to noncurrent loans | 237.8585% | 1,458 |
Noncurrent assets plus other real estate owned to assets | 3.5112% | 1,515 |
Noncurrent loans to loans | 1.2702% | 4,015 |
Net loans and leases to total assets | 50.5714% | 5,286 |
Net loans and leases to deposits | 73.9426% | 3,305 |
Net loans and leases to core deposits | 76.9755% | 3,662 |
Total domestic deposits to total assets | 68.3927% | 6,983 |
Equity capital to assets | 15.6770% | 646 |
Core capital (leverage) ratio | 14.1041% | 777 |
Tier 1 risk-based capital ratio | 21.9871% | 1,292 |
Total risk-based capital ratio | 23.2529% | 1,267 |
Memoranda: | ||
Average total assets | $552,917,330 | 1,226 |
Average earning assets | $503,434,670 | 1,221 |
Average equity | $85,392,000 | 806 |
Average total loans | $302,146,000 | 1,404 |
2012-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2948% | 4,758 |
Cost of funding earning assets | 1.1971% | 1,000 |
Net interest margin | 3.0977% | 6,049 |
Noninterest income to average assets | 0.1172% | 6,670 |
Noninterest expense to average assets | 1.8451% | 6,746 |
Loan and lease loss provision to assets | 0.2170% | 2,763 |
Net operating income to assets | 0.7638% | 3,549 |
Return on assets (ROA) | 0.7638% | 3,786 |
Pretax return on assets | 0.8701% | 4,154 |
Return on Equity (ROE) | 4.9833% | 4,793 |
Retained earnings to average equity (ytd only) | 4.9833% | 3,567 |
Net charge-offs to loans | 3.5185% | 185 |
Credit loss provision to net charge-offs | 11.0335% | 3,890 |
Earnings coverage of net charge-offs (x) | 0.5528% | 4,059 |
Efficiency ratio | 62.2595% | 5,227 |
Assets per employee ($millions) | 6.3287% | 1,072 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.7835% | 1,026 |
Loan loss allowance to noncurrent loans | 274.1123% | 1,225 |
Noncurrent assets plus other real estate owned to assets | 3.5567% | 1,609 |
Noncurrent loans to loans | 1.0154% | 4,650 |
Net loans and leases to total assets | 53.8683% | 4,747 |
Net loans and leases to deposits | 79.1696% | 2,317 |
Net loans and leases to core deposits | 82.3826% | 2,771 |
Total domestic deposits to total assets | 68.0416% | 7,049 |
Equity capital to assets | 15.5700% | 644 |
Core capital (leverage) ratio | 13.8583% | 841 |
Tier 1 risk-based capital ratio | 21.0405% | 1,487 |
Total risk-based capital ratio | 22.3043% | 1,452 |
Memoranda: | ||
Average total assets | $553,019,000 | 1,231 |
Average earning assets | $502,561,000 | 1,223 |
Average equity | $84,763,500 | 810 |
Average total loans | $309,107,500 | 1,372 |
2011-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6552% | 4,437 |
Cost of funding earning assets | 1.3677% | 1,170 |
Net interest margin | 3.2875% | 5,849 |
Noninterest income to average assets | -0.4896% | 7,263 |
Noninterest expense to average assets | 1.8414% | 6,908 |
Loan and lease loss provision to assets | 0.3671% | 2,793 |
Net operating income to assets | 0.3675% | 5,003 |
Return on assets (ROA) | 0.3735% | 5,151 |
Pretax return on assets | 0.3055% | 5,543 |
Return on Equity (ROE) | 2.5496% | 5,463 |
Retained earnings to average equity (ytd only) | 2.5496% | 4,414 |
Net charge-offs to loans | 0.9544% | 1,809 |
Credit loss provision to net charge-offs | 63.7834% | 5,062 |
Earnings coverage of net charge-offs (x) | 1.1581% | 4,922 |
Efficiency ratio | 72.6526% | 3,458 |
Assets per employee ($millions) | 6.3844% | 1,014 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.4845% | 538 |
Loan loss allowance to noncurrent loans | 169.7946% | 1,911 |
Noncurrent assets plus other real estate owned to assets | 4.3274% | 1,282 |
Noncurrent loans to loans | 2.0522% | 3,139 |
Net loans and leases to total assets | 54.4099% | 4,974 |
Net loans and leases to deposits | 79.3794% | 2,627 |
Net loans and leases to core deposits | 85.0953% | 2,738 |
Total domestic deposits to total assets | 68.5441% | 7,049 |
Equity capital to assets | 15.0869% | 761 |
Core capital (leverage) ratio | 13.5793% | 938 |
Tier 1 risk-based capital ratio | 20.5537% | 1,509 |
Total risk-based capital ratio | 21.8252% | 1,472 |
Memoranda: | ||
Average total assets | $558,439,200 | 1,183 |
Average earning assets | $509,176,800 | 1,187 |
Average equity | $81,817,600 | 817 |
Average total loans | $336,761,000 | 1,257 |
2011-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7116% | 4,402 |
Cost of funding earning assets | 1.3962% | 1,249 |
Net interest margin | 3.3154% | 5,819 |
Noninterest income to average assets | -0.6304% | 7,372 |
Noninterest expense to average assets | 1.8562% | 6,911 |
Loan and lease loss provision to assets | 0.3577% | 2,721 |
Net operating income to assets | 0.3123% | 5,351 |
Return on assets (ROA) | 0.2966% | 5,581 |
Pretax return on assets | 0.1669% | 5,962 |
Return on Equity (ROE) | 2.0396% | 5,762 |
Retained earnings to average equity (ytd only) | 2.0396% | 5,118 |
Net charge-offs to loans | 1.2101% | 1,293 |
Credit loss provision to net charge-offs | 48.2315% | 5,071 |
Earnings coverage of net charge-offs (x) | 0.7286% | 5,070 |
Efficiency ratio | 76.6491% | 2,734 |
Assets per employee ($millions) | 6.2657% | 1,052 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.2532% | 684 |
Loan loss allowance to noncurrent loans | 158.9218% | 1,925 |
Noncurrent assets plus other real estate owned to assets | 4.3917% | 1,373 |
Noncurrent loans to loans | 2.0471% | 3,307 |
Net loans and leases to total assets | 55.8090% | 4,871 |
Net loans and leases to deposits | 80.8727% | 2,546 |
Net loans and leases to core deposits | 87.7841% | 2,520 |
Total domestic deposits to total assets | 69.0085% | 7,094 |
Equity capital to assets | 14.9303% | 867 |
Core capital (leverage) ratio | 13.5447% | 1,028 |
Tier 1 risk-based capital ratio | 19.8423% | 1,724 |
Total risk-based capital ratio | 21.1114% | 1,689 |
Memoranda: | ||
Average total assets | $559,188,750 | 1,194 |
Average earning assets | $510,528,000 | 1,183 |
Average equity | $81,322,250 | 826 |
Average total loans | $342,669,750 | 1,251 |
2011-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7446% | 4,332 |
Cost of funding earning assets | 1.4159% | 1,345 |
Net interest margin | 3.3288% | 5,775 |
Noninterest income to average assets | -0.8622% | 7,467 |
Noninterest expense to average assets | 1.8399% | 7,033 |
Loan and lease loss provision to assets | 0.4288% | 2,283 |
Net operating income to assets | 0.1537% | 5,872 |
Return on assets (ROA) | 0.1386% | 6,008 |
Pretax return on assets | -0.1058% | 6,370 |
Return on Equity (ROE) | 0.9619% | 6,099 |
Retained earnings to average equity (ytd only) | 0.9619% | 5,480 |
Net charge-offs to loans | 0.9112% | 1,708 |
Credit loss provision to net charge-offs | 75.3296% | 3,905 |
Earnings coverage of net charge-offs (x) | 0.6089% | 4,839 |
Efficiency ratio | 83.2652% | 1,912 |
Assets per employee ($millions) | 6.1873% | 1,075 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.5666% | 572 |
Loan loss allowance to noncurrent loans | 106.7239% | 2,696 |
Noncurrent assets plus other real estate owned to assets | 5.2510% | 1,155 |
Noncurrent loans to loans | 3.3419% | 2,137 |
Net loans and leases to total assets | 57.3578% | 4,751 |
Net loans and leases to deposits | 82.8182% | 2,311 |
Net loans and leases to core deposits | 91.1732% | 2,230 |
Total domestic deposits to total assets | 69.2575% | 7,144 |
Equity capital to assets | 14.7547% | 878 |
Core capital (leverage) ratio | 13.3072% | 1,058 |
Tier 1 risk-based capital ratio | 19.4120% | 1,734 |
Total risk-based capital ratio | 20.6846% | 1,700 |
Memoranda: | ||
Average total assets | $559,704,000 | 1,199 |
Average earning assets | $512,622,000 | 1,188 |
Average equity | $80,677,000 | 834 |
Average total loans | $349,666,330 | 1,238 |
2011-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8149% | 3,994 |
Cost of funding earning assets | 1.4426% | 1,426 |
Net interest margin | 3.3723% | 5,531 |
Noninterest income to average assets | -0.0773% | 7,374 |
Noninterest expense to average assets | 1.8454% | 7,080 |
Loan and lease loss provision to assets | 0.5672% | 1,521 |
Net operating income to assets | 0.6324% | 3,854 |
Return on assets (ROA) | 0.6097% | 4,051 |
Pretax return on assets | 0.5948% | 4,703 |
Return on Equity (ROE) | 4.2791% | 4,754 |
Retained earnings to average equity (ytd only) | 4.2791% | 3,598 |
Net charge-offs to loans | 0.8427% | 1,562 |
Credit loss provision to net charge-offs | 105.2632% | 2,532 |
Earnings coverage of net charge-offs (x) | 2.1987% | 3,216 |
Efficiency ratio | 60.2714% | 5,949 |
Assets per employee ($millions) | 6.1664% | 1,096 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.4339% | 644 |
Loan loss allowance to noncurrent loans | 108.2373% | 2,684 |
Noncurrent assets plus other real estate owned to assets | 3.9162% | 1,704 |
Noncurrent loans to loans | 3.1726% | 2,374 |
Net loans and leases to total assets | 61.3881% | 3,991 |
Net loans and leases to deposits | 88.1733% | 1,444 |
Net loans and leases to core deposits | 100.2510% | 1,321 |
Total domestic deposits to total assets | 69.6221% | 7,199 |
Equity capital to assets | 14.5932% | 857 |
Core capital (leverage) ratio | 13.1330% | 1,080 |
Tier 1 risk-based capital ratio | 18.5622% | 1,939 |
Total risk-based capital ratio | 19.8344% | 1,887 |
Memoranda: | ||
Average total assets | $564,220,500 | 1,197 |
Average earning assets | $519,883,000 | 1,180 |
Average equity | $80,390,500 | 825 |
Average total loans | $360,732,000 | 1,216 |
2010-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9977% | 4,569 |
Cost of funding earning assets | 1.6841% | 1,665 |
Net interest margin | 3.3136% | 5,942 |
Noninterest income to average assets | -0.1925% | 7,466 |
Noninterest expense to average assets | 2.0059% | 7,012 |
Loan and lease loss provision to assets | 1.0096% | 1,612 |
Net operating income to assets | 0.0743% | 5,650 |
Return on assets (ROA) | 0.0738% | 5,787 |
Pretax return on assets | -0.1453% | 6,039 |
Return on Equity (ROE) | 0.5337% | 5,822 |
Retained earnings to average equity (ytd only) | 0.5337% | 5,309 |
Net charge-offs to loans | 0.7566% | 2,750 |
Credit loss provision to net charge-offs | 202.9584% | 1,533 |
Earnings coverage of net charge-offs (x) | 1.7393% | 4,414 |
Efficiency ratio | 69.2216% | 4,336 |
Assets per employee ($millions) | 6.5915% | 907 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.2754% | 687 |
Loan loss allowance to noncurrent loans | 103.8085% | 2,798 |
Noncurrent assets plus other real estate owned to assets | 3.9160% | 1,739 |
Noncurrent loans to loans | 3.1552% | 2,412 |
Net loans and leases to total assets | 62.1808% | 4,245 |
Net loans and leases to deposits | 90.6072% | 1,450 |
Net loans and leases to core deposits | 105.4630% | 1,222 |
Total domestic deposits to total assets | 68.6267% | 7,300 |
Equity capital to assets | 13.9141% | 1,060 |
Core capital (leverage) ratio | 12.7028% | 1,244 |
Tier 1 risk-based capital ratio | 17.4451% | 2,195 |
Total risk-based capital ratio | 18.7154% | 2,156 |
Memoranda: | ||
Average total assets | $584,379,000 | 1,150 |
Average earning assets | $540,284,800 | 1,122 |
Average equity | $80,752,200 | 817 |
Average total loans | $384,236,000 | 1,177 |
2010-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0351% | 4,652 |
Cost of funding earning assets | 1.7360% | 1,694 |
Net interest margin | 3.2991% | 6,020 |
Noninterest income to average assets | -0.5421% | 7,686 |
Noninterest expense to average assets | 1.7695% | 7,362 |
Loan and lease loss provision to assets | 0.9879% | 1,510 |
Net operating income to assets | 0.0122% | 5,978 |
Return on assets (ROA) | 0.0218% | 6,074 |
Pretax return on assets | -0.2319% | 6,344 |
Return on Equity (ROE) | 0.1580% | 6,080 |
Retained earnings to average equity (ytd only) | 0.1580% | 5,709 |
Net charge-offs to loans | 0.7788% | 2,487 |
Credit loss provision to net charge-offs | 191.8835% | 1,866 |
Earnings coverage of net charge-offs (x) | 1.4393% | 4,647 |
Efficiency ratio | 69.7512% | 4,119 |
Assets per employee ($millions) | 6.4337% | 1,006 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.8993% | 909 |
Loan loss allowance to noncurrent loans | 53.9581% | 4,705 |
Noncurrent assets plus other real estate owned to assets | 4.6018% | 1,464 |
Noncurrent loans to loans | 5.3733% | 1,255 |
Net loans and leases to total assets | 64.5770% | 4,000 |
Net loans and leases to deposits | 94.9087% | 1,106 |
Net loans and leases to core deposits | 112.2642% | 920 |
Total domestic deposits to total assets | 68.0412% | 7,376 |
Equity capital to assets | 14.0409% | 1,157 |
Core capital (leverage) ratio | 12.5432% | 1,388 |
Tier 1 risk-based capital ratio | 16.8165% | 2,405 |
Total risk-based capital ratio | 18.0667% | 2,366 |
Memoranda: | ||
Average total assets | $587,108,250 | 1,151 |
Average earning assets | $543,242,500 | 1,124 |
Average equity | $80,992,250 | 814 |
Average total loans | $388,130,500 | 1,174 |
2010-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0518% | 4,695 |
Cost of funding earning assets | 1.7298% | 1,968 |
Net interest margin | 3.3220% | 5,934 |
Noninterest income to average assets | -0.0122% | 7,553 |
Noninterest expense to average assets | 1.9386% | 7,198 |
Loan and lease loss provision to assets | 0.5765% | 2,465 |
Net operating income to assets | 0.5000% | 4,334 |
Return on assets (ROA) | 0.5259% | 4,371 |
Pretax return on assets | 0.5693% | 4,673 |
Return on Equity (ROE) | 3.8349% | 4,857 |
Retained earnings to average equity (ytd only) | 3.8349% | 3,649 |
Net charge-offs to loans | 0.3623% | 3,541 |
Credit loss provision to net charge-offs | 241.1348% | 1,592 |
Earnings coverage of net charge-offs (x) | 4.6752% | 2,884 |
Efficiency ratio | 62.8315% | 5,553 |
Assets per employee ($millions) | 6.9643% | 781 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.6148% | 1,174 |
Loan loss allowance to noncurrent loans | 59.2695% | 4,386 |
Noncurrent assets plus other real estate owned to assets | 4.1213% | 1,650 |
Noncurrent loans to loans | 4.4117% | 1,656 |
Net loans and leases to total assets | 64.1549% | 4,233 |
Net loans and leases to deposits | 96.9182% | 965 |
Net loans and leases to core deposits | 119.6647% | 707 |
Total domestic deposits to total assets | 66.1949% | 7,522 |
Equity capital to assets | 14.0408% | 1,146 |
Core capital (leverage) ratio | 12.7712% | 1,298 |
Tier 1 risk-based capital ratio | 16.8137% | 2,358 |
Total risk-based capital ratio | 18.0787% | 2,296 |
Memoranda: | ||
Average total assets | $589,799,000 | 1,150 |
Average earning assets | $544,795,670 | 1,126 |
Average equity | $80,889,000 | 809 |
Average total loans | $389,144,330 | 1,183 |
2010-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0551% | 4,759 |
Cost of funding earning assets | 1.7537% | 2,112 |
Net interest margin | 3.3014% | 5,967 |
Noninterest income to average assets | 0.1878% | 6,613 |
Noninterest expense to average assets | 1.9284% | 7,289 |
Loan and lease loss provision to assets | 0.8105% | 1,555 |
Net operating income to assets | 0.5106% | 4,343 |
Return on assets (ROA) | 0.5106% | 4,482 |
Pretax return on assets | 0.4904% | 4,994 |
Return on Equity (ROE) | 3.7676% | 4,998 |
Retained earnings to average equity (ytd only) | 3.7676% | 3,886 |
Net charge-offs to loans | 0.6455% | 2,212 |
Credit loss provision to net charge-offs | 190.1743% | 1,938 |
Earnings coverage of net charge-offs (x) | 3.0523% | 3,033 |
Efficiency ratio | 59.1508% | 6,317 |
Assets per employee ($millions) | 6.7022% | 908 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.4898% | 1,305 |
Loan loss allowance to noncurrent loans | 76.1781% | 3,562 |
Noncurrent assets plus other real estate owned to assets | 3.7104% | 1,885 |
Noncurrent loans to loans | 3.2684% | 2,441 |
Net loans and leases to total assets | 64.0859% | 4,305 |
Net loans and leases to deposits | 97.0453% | 996 |
Net loans and leases to core deposits | 119.4649% | 804 |
Total domestic deposits to total assets | 66.0371% | 7,614 |
Equity capital to assets | 13.7768% | 1,216 |
Core capital (leverage) ratio | 12.6117% | 1,365 |
Tier 1 risk-based capital ratio | 16.1256% | 2,602 |
Total risk-based capital ratio | 17.3865% | 2,554 |
Memoranda: | ||
Average total assets | $592,197,000 | 1,169 |
Average earning assets | $545,587,000 | 1,152 |
Average equity | $80,264,000 | 824 |
Average total loans | $391,024,000 | 1,209 |
2009-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2944% | 5,199 |
Cost of funding earning assets | 1.9129% | 3,389 |
Net interest margin | 3.3814% | 5,440 |
Noninterest income to average assets | 0.2139% | 6,576 |
Noninterest expense to average assets | 1.8960% | 7,513 |
Loan and lease loss provision to assets | 1.2240% | 1,878 |
Net operating income to assets | 0.2927% | 4,561 |
Return on assets (ROA) | 0.2956% | 4,629 |
Pretax return on assets | 0.2409% | 4,911 |
Return on Equity (ROE) | 2.1797% | 4,838 |
Retained earnings to average equity (ytd only) | -0.6706% | 5,163 |
Net charge-offs to loans | 1.2394% | 1,991 |
Credit loss provision to net charge-offs | 147.1791% | 3,200 |
Earnings coverage of net charge-offs (x) | 1.7580% | 4,408 |
Efficiency ratio | 55.9156% | 7,027 |
Assets per employee ($millions) | 6.5341% | 977 |
Cash dividends to net income (ytd only)* | 130.7648% | 349 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.3026% | 1,478 |
Loan loss allowance to noncurrent loans | 68.5279% | 3,990 |
Noncurrent assets plus other real estate owned to assets | 3.7936% | 1,752 |
Noncurrent loans to loans | 3.3601% | 2,269 |
Net loans and leases to total assets | 64.8066% | 4,414 |
Net loans and leases to deposits | 96.7209% | 1,237 |
Net loans and leases to core deposits | 122.2871% | 1,757 |
Total domestic deposits to total assets | 67.0037% | 7,600 |
Equity capital to assets | 13.3322% | 1,383 |
Core capital (leverage) ratio | 12.1609% | 1,597 |
Tier 1 risk-based capital ratio | 15.4294% | 2,743 |
Total risk-based capital ratio | 16.6899% | 2,695 |
Memoranda: | ||
Average total assets | $588,225,400 | 1,171 |
Average earning assets | $546,956,600 | 1,152 |
Average equity | $79,782,400 | 811 |
Average total loans | $394,719,600 | 1,218 |
2009-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3166% | 5,333 |
Cost of funding earning assets | 1.9278% | 3,735 |
Net interest margin | 3.3888% | 5,318 |
Noninterest income to average assets | 0.2189% | 6,664 |
Noninterest expense to average assets | 1.8462% | 7,615 |
Loan and lease loss provision to assets | 1.2614% | 1,526 |
Net operating income to assets | 0.3102% | 4,758 |
Return on assets (ROA) | 0.3411% | 4,727 |
Pretax return on assets | 0.3048% | 5,052 |
Return on Equity (ROE) | 2.5044% | 4,991 |
Retained earnings to average equity (ytd only) | -1.2898% | 5,555 |
Net charge-offs to loans | 1.3066% | 1,563 |
Credit loss provision to net charge-offs | 143.4479% | 3,410 |
Earnings coverage of net charge-offs (x) | 1.7459% | 4,489 |
Efficiency ratio | 54.0530% | 7,228 |
Assets per employee ($millions) | 6.6600% | 914 |
Cash dividends to net income (ytd only)* | 151.4990% | 280 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1205% | 1,563 |
Loan loss allowance to noncurrent loans | 61.4507% | 4,275 |
Noncurrent assets plus other real estate owned to assets | 3.3038% | 2,046 |
Noncurrent loans to loans | 3.4508% | 2,167 |
Net loans and leases to total assets | 65.8404% | 4,464 |
Net loans and leases to deposits | 98.0782% | 1,320 |
Net loans and leases to core deposits | 124.1227% | 1,887 |
Total domestic deposits to total assets | 67.1306% | 7,631 |
Equity capital to assets | 13.5086% | 1,495 |
Core capital (leverage) ratio | 12.0833% | 1,765 |
Tier 1 risk-based capital ratio | 15.5351% | 2,806 |
Total risk-based capital ratio | 16.7943% | 2,738 |
Memoranda: | ||
Average total assets | $586,631,750 | 1,189 |
Average earning assets | $547,477,500 | 1,164 |
Average equity | $79,909,750 | 821 |
Average total loans | $394,794,000 | 1,233 |
2009-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3838% | 5,230 |
Cost of funding earning assets | 1.9396% | 4,064 |
Net interest margin | 3.4442% | 5,007 |
Noninterest income to average assets | 0.2275% | 6,658 |
Noninterest expense to average assets | 1.8142% | 7,728 |
Loan and lease loss provision to assets | 0.8553% | 1,964 |
Net operating income to assets | 0.6294% | 3,554 |
Return on assets (ROA) | 0.6757% | 3,474 |
Pretax return on assets | 0.8276% | 3,580 |
Return on Equity (ROE) | 4.9464% | 4,102 |
Retained earnings to average equity (ytd only) | 1.5803% | 4,451 |
Net charge-offs to loans | 1.8816% | 1,002 |
Credit loss provision to net charge-offs | 67.5311% | 5,464 |
Earnings coverage of net charge-offs (x) | 1.2842% | 4,563 |
Efficiency ratio | 52.1925% | 7,503 |
Assets per employee ($millions) | 6.6238% | 918 |
Cash dividends to net income (ytd only)* | 68.0506% | 1,429 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3883% | 3,790 |
Loan loss allowance to noncurrent loans | 50.8719% | 4,968 |
Noncurrent assets plus other real estate owned to assets | 2.8443% | 2,250 |
Noncurrent loans to loans | 2.7290% | 2,637 |
Net loans and leases to total assets | 66.3917% | 4,483 |
Net loans and leases to deposits | 101.5985% | 1,107 |
Net loans and leases to core deposits | 129.8318% | 1,581 |
Total domestic deposits to total assets | 65.3472% | 7,774 |
Equity capital to assets | 13.4002% | 1,528 |
Core capital (leverage) ratio | 12.5844% | 1,581 |
Tier 1 risk-based capital ratio | 15.4619% | 2,825 |
Total risk-based capital ratio | 16.6339% | 2,790 |
Memoranda: | ||
Average total assets | $584,595,000 | 1,215 |
Average earning assets | $545,380,000 | 1,186 |
Average equity | $79,856,000 | 826 |
Average total loans | $393,485,670 | 1,260 |
2009-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.4550% | 5,151 |
Cost of funding earning assets | 1.9479% | 4,386 |
Net interest margin | 3.5071% | 4,700 |
Noninterest income to average assets | 0.2191% | 6,726 |
Noninterest expense to average assets | 1.9232% | 7,507 |
Loan and lease loss provision to assets | 0.1037% | 5,645 |
Net operating income to assets | 1.0890% | 2,000 |
Return on assets (ROA) | 1.1734% | 1,841 |
Pretax return on assets | 1.5798% | 1,458 |
Return on Equity (ROE) | 8.5068% | 2,926 |
Retained earnings to average equity (ytd only) | 6.0019% | 2,627 |
Net charge-offs to loans | -0.0031% | 7,135 |
Credit loss provision to net charge-offs | -5,000.0000% | 6,722 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 54.5311% | 7,164 |
Assets per employee ($millions) | 6.2697% | 1,055 |
Cash dividends to net income (ytd only)* | 29.4464% | 2,341 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7741% | 1,917 |
Loan loss allowance to noncurrent loans | 45.4319% | 5,490 |
Noncurrent assets plus other real estate owned to assets | 3.6089% | 1,472 |
Noncurrent loans to loans | 3.9050% | 1,561 |
Net loans and leases to total assets | 66.4893% | 4,468 |
Net loans and leases to deposits | 102.1649% | 1,164 |
Net loans and leases to core deposits | 128.7748% | 1,729 |
Total domestic deposits to total assets | 65.0804% | 7,786 |
Equity capital to assets | 13.9870% | 1,370 |
Core capital (leverage) ratio | 12.9998% | 1,482 |
Tier 1 risk-based capital ratio | 15.8740% | 2,732 |
Total risk-based capital ratio | 17.1288% | 2,674 |
Memoranda: | ||
Average total assets | $578,823,000 | 1,232 |
Average earning assets | $540,272,000 | 1,201 |
Average equity | $79,842,000 | 828 |
Average total loans | $389,549,000 | 1,280 |
2008-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.3602% | 3,642 |
Cost of funding earning assets | 2.4488% | 4,476 |
Net interest margin | 3.9114% | 3,510 |
Noninterest income to average assets | 0.2838% | 6,439 |
Noninterest expense to average assets | 1.7596% | 7,802 |
Loan and lease loss provision to assets | 0.1619% | 5,309 |
Net operating income to assets | 1.4147% | 1,197 |
Return on assets (ROA) | 1.3601% | 1,280 |
Pretax return on assets | 1.9583% | 680 |
Return on Equity (ROE) | 10.1086% | 2,225 |
Retained earnings to average equity (ytd only) | 6.3162% | 1,390 |
Net charge-offs to loans | -0.2009% | 8,165 |
Credit loss provision to net charge-offs | -122.3545% | 7,326 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 44.0087% | 8,013 |
Assets per employee ($millions) | 6.2455% | 1,011 |
Cash dividends to net income (ytd only)* | 37.5161% | 3,764 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7430% | 1,789 |
Loan loss allowance to noncurrent loans | 57.5140% | 5,116 |
Noncurrent assets plus other real estate owned to assets | 2.9329% | 1,577 |
Noncurrent loans to loans | 3.0305% | 1,767 |
Net loans and leases to total assets | 65.7466% | 4,906 |
Net loans and leases to deposits | 101.0832% | 1,696 |
Net loans and leases to core deposits | 126.2083% | 2,149 |
Total domestic deposits to total assets | 65.0421% | 7,722 |
Equity capital to assets | 13.6021% | 1,570 |
Core capital (leverage) ratio | 12.4803% | 1,763 |
Tier 1 risk-based capital ratio | 15.7141% | 2,770 |
Total risk-based capital ratio | 16.9687% | 2,705 |
Memoranda: | ||
Average total assets | $571,269,200 | 1,178 |
Average earning assets | $536,761,200 | 1,147 |
Average equity | $76,865,400 | 866 |
Average total loans | $376,219,600 | 1,289 |