Home > Valley View State Bank > Performance and Condition Ratios
Valley View State 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 | 2.9437% | 5,543 |
Cost of funding earning assets | 0.3421% | 3,609 |
Net interest margin | 2.6017% | 5,515 |
Noninterest income to average assets | 0.4486% | 3,559 |
Noninterest expense to average assets | 1.6629% | 5,593 |
Loan and lease loss provision to assets | 0.0000% | 4,332 |
Net operating income to assets | 0.8650% | 3,003 |
Return on assets (ROA) | 0.9112% | 2,875 |
Pretax return on assets | 1.3393% | 2,147 |
Return on Equity (ROE) | 6.5324% | 3,722 |
Retained earnings to average equity (ytd only) | 4.9099% | 2,398 |
Net charge-offs to loans | 0.0916% | 2,392 |
Credit loss provision to net charge-offs | 0.0000% | 3,785 |
Earnings coverage of net charge-offs (x) | 43.1299% | 1,118 |
Efficiency ratio | 56.6705% | 4,992 |
Assets per employee ($millions) | 6.7638% | 1,021 |
Cash dividends to net income (ytd only)* | 24.8376% | 3,530 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0156% | 638 |
Loan loss allowance to noncurrent loans | 56.3058% | 4,540 |
Noncurrent assets plus other real estate owned to assets | 1.9945% | 688 |
Noncurrent loans to loans | 3.5798% | 328 |
Net loans and leases to total assets | 33.3710% | 5,565 |
Net loans and leases to deposits | 41.7353% | 5,501 |
Net loans and leases to core deposits | 42.4543% | 5,539 |
Total domestic deposits to total assets | 79.9586% | 4,586 |
Equity capital to assets | 14.0008% | 887 |
Core capital (leverage) ratio | 14.1406% | 782 |
Tier 1 risk-based capital ratio | 24.9708% | 774 |
Total risk-based capital ratio | 26.1604% | 764 |
Memoranda: | ||
Average total assets | $861,638,600 | 842 |
Average earning assets | $823,238,800 | 813 |
Average equity | $120,186,000 | 664 |
Average total loans | $277,145,400 | 1,634 |
2016-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.9474% | 5,609 |
Cost of funding earning assets | 0.3200% | 3,868 |
Net interest margin | 2.6275% | 5,566 |
Noninterest income to average assets | 0.3621% | 4,191 |
Noninterest expense to average assets | 1.6052% | 5,686 |
Loan and lease loss provision to assets | 0.0000% | 4,186 |
Net operating income to assets | 0.8657% | 3,072 |
Return on assets (ROA) | 0.8890% | 3,099 |
Pretax return on assets | 1.3030% | 2,420 |
Return on Equity (ROE) | 6.3792% | 3,889 |
Retained earnings to average equity (ytd only) | 4.2241% | 3,319 |
Net charge-offs to loans | -0.0714% | 5,473 |
Credit loss provision to net charge-offs | 0.0000% | 3,412 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 55.8521% | 5,079 |
Assets per employee ($millions) | 6.7730% | 973 |
Cash dividends to net income (ytd only)* | 33.7838% | 2,651 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1734% | 542 |
Loan loss allowance to noncurrent loans | 94.1578% | 3,743 |
Noncurrent assets plus other real estate owned to assets | 1.5420% | 1,145 |
Noncurrent loans to loans | 2.3083% | 799 |
Net loans and leases to total assets | 32.4686% | 5,665 |
Net loans and leases to deposits | 41.7383% | 5,588 |
Net loans and leases to core deposits | 42.4179% | 5,624 |
Total domestic deposits to total assets | 77.7909% | 4,950 |
Equity capital to assets | 14.3428% | 918 |
Core capital (leverage) ratio | 13.8020% | 907 |
Tier 1 risk-based capital ratio | 25.7004% | 741 |
Total risk-based capital ratio | 26.9513% | 727 |
Memoranda: | ||
Average total assets | $865,679,750 | 837 |
Average earning assets | $827,594,750 | 797 |
Average equity | $120,639,250 | 667 |
Average total loans | $274,445,000 | 1,649 |
2016-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.9781% | 5,668 |
Cost of funding earning assets | 0.3235% | 3,863 |
Net interest margin | 2.6546% | 5,615 |
Noninterest income to average assets | 0.3620% | 4,173 |
Noninterest expense to average assets | 1.5910% | 5,767 |
Loan and lease loss provision to assets | 0.0000% | 4,017 |
Net operating income to assets | 0.8889% | 2,917 |
Return on assets (ROA) | 0.9236% | 2,888 |
Pretax return on assets | 1.3591% | 2,172 |
Return on Equity (ROE) | 6.6918% | 3,701 |
Retained earnings to average equity (ytd only) | 3.4345% | 3,708 |
Net charge-offs to loans | -0.0066% | 4,594 |
Credit loss provision to net charge-offs | 0.0000% | 3,050 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 54.8787% | 5,247 |
Assets per employee ($millions) | 6.2997% | 1,198 |
Cash dividends to net income (ytd only)* | 48.6770% | 2,035 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1779% | 565 |
Loan loss allowance to noncurrent loans | 89.9614% | 3,909 |
Noncurrent assets plus other real estate owned to assets | 1.5589% | 1,207 |
Noncurrent loans to loans | 2.4209% | 740 |
Net loans and leases to total assets | 31.5745% | 5,751 |
Net loans and leases to deposits | 41.0649% | 5,652 |
Net loans and leases to core deposits | 41.7619% | 5,691 |
Total domestic deposits to total assets | 76.8892% | 5,176 |
Equity capital to assets | 14.2176% | 956 |
Core capital (leverage) ratio | 13.5688% | 956 |
Tier 1 risk-based capital ratio | 25.7008% | 744 |
Total risk-based capital ratio | 26.9518% | 729 |
Memoranda: | ||
Average total assets | $867,514,330 | 841 |
Average earning assets | $829,122,000 | 795 |
Average equity | $119,728,000 | 668 |
Average total loans | $270,762,670 | 1,669 |
2016-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.9765% | 5,707 |
Cost of funding earning assets | 0.3267% | 3,881 |
Net interest margin | 2.6499% | 5,664 |
Noninterest income to average assets | 0.2861% | 4,679 |
Noninterest expense to average assets | 1.6124% | 5,819 |
Loan and lease loss provision to assets | 0.0000% | 3,656 |
Net operating income to assets | 0.8208% | 3,150 |
Return on assets (ROA) | 0.8899% | 2,933 |
Pretax return on assets | 1.3048% | 2,278 |
Return on Equity (ROE) | 6.5461% | 3,705 |
Retained earnings to average equity (ytd only) | 6.5461% | 2,114 |
Net charge-offs to loans | -0.0090% | 4,483 |
Credit loss provision to net charge-offs | 0.0000% | 2,416 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 57.2689% | 5,072 |
Assets per employee ($millions) | 6.2691% | 1,240 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.2549% | 549 |
Loan loss allowance to noncurrent loans | 88.5385% | 3,896 |
Noncurrent assets plus other real estate owned to assets | 1.6306% | 1,211 |
Noncurrent loans to loans | 2.5468% | 725 |
Net loans and leases to total assets | 30.1656% | 5,824 |
Net loans and leases to deposits | 39.0704% | 5,741 |
Net loans and leases to core deposits | 39.7128% | 5,778 |
Total domestic deposits to total assets | 77.2083% | 5,263 |
Equity capital to assets | 13.9226% | 1,014 |
Core capital (leverage) ratio | 13.6378% | 932 |
Tier 1 risk-based capital ratio | 25.8217% | 747 |
Total risk-based capital ratio | 27.0726% | 735 |
Memoranda: | ||
Average total assets | $869,742,500 | 842 |
Average earning assets | $830,229,500 | 800 |
Average equity | $118,239,000 | 678 |
Average total loans | $266,857,500 | 1,686 |
2015-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.0805% | 5,657 |
Cost of funding earning assets | 0.3886% | 3,278 |
Net interest margin | 2.6919% | 5,655 |
Noninterest income to average assets | 0.0739% | 5,939 |
Noninterest expense to average assets | 1.6818% | 5,861 |
Loan and lease loss provision to assets | 0.0008% | 4,368 |
Net operating income to assets | 0.6475% | 4,046 |
Return on assets (ROA) | 0.6534% | 4,117 |
Pretax return on assets | 0.9106% | 3,792 |
Return on Equity (ROE) | 4.8194% | 4,593 |
Retained earnings to average equity (ytd only) | 2.9375% | 3,969 |
Net charge-offs to loans | -0.0559% | 5,587 |
Credit loss provision to net charge-offs | -4.6053% | 4,928 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 65.0567% | 4,070 |
Assets per employee ($millions) | 6.3829% | 1,150 |
Cash dividends to net income (ytd only)* | 39.0481% | 2,888 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.2879% | 525 |
Loan loss allowance to noncurrent loans | 87.5813% | 3,958 |
Noncurrent assets plus other real estate owned to assets | 1.6862% | 1,156 |
Noncurrent loans to loans | 2.6123% | 687 |
Net loans and leases to total assets | 29.8047% | 5,893 |
Net loans and leases to deposits | 37.7330% | 5,844 |
Net loans and leases to core deposits | 38.3361% | 5,869 |
Total domestic deposits to total assets | 78.9884% | 4,979 |
Equity capital to assets | 13.2656% | 1,226 |
Core capital (leverage) ratio | 13.3921% | 1,005 |
Tier 1 risk-based capital ratio | 25.3276% | 790 |
Total risk-based capital ratio | 26.5785% | 774 |
Memoranda: | ||
Average total assets | $848,965,000 | 815 |
Average earning assets | $792,018,600 | 796 |
Average equity | $115,096,800 | 667 |
Average total loans | $271,841,000 | 1,606 |
2015-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.1043% | 5,707 |
Cost of funding earning assets | 0.4016% | 3,211 |
Net interest margin | 2.7027% | 5,720 |
Noninterest income to average assets | 0.0452% | 6,112 |
Noninterest expense to average assets | 1.7080% | 5,890 |
Loan and lease loss provision to assets | 0.0011% | 4,222 |
Net operating income to assets | 0.6248% | 4,264 |
Return on assets (ROA) | 0.6329% | 4,337 |
Pretax return on assets | 0.8557% | 4,154 |
Return on Equity (ROE) | 4.6424% | 4,780 |
Retained earnings to average equity (ytd only) | 3.4201% | 4,040 |
Net charge-offs to loans | -0.0716% | 5,667 |
Credit loss provision to net charge-offs | -4.7619% | 4,825 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 66.8769% | 3,738 |
Assets per employee ($millions) | 6.1724% | 1,259 |
Cash dividends to net income (ytd only)* | 26.3289% | 2,983 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.2631% | 599 |
Loan loss allowance to noncurrent loans | 87.1186% | 3,989 |
Noncurrent assets plus other real estate owned to assets | 3.5277% | 364 |
Noncurrent loans to loans | 2.5977% | 765 |
Net loans and leases to total assets | 30.4689% | 5,958 |
Net loans and leases to deposits | 38.3912% | 5,915 |
Net loans and leases to core deposits | 39.1090% | 5,941 |
Total domestic deposits to total assets | 79.3644% | 4,894 |
Equity capital to assets | 13.7324% | 1,130 |
Core capital (leverage) ratio | 13.6140% | 971 |
Tier 1 risk-based capital ratio | 25.1429% | 842 |
Total risk-based capital ratio | 26.3937% | 830 |
Memoranda: | ||
Average total assets | $844,186,000 | 826 |
Average earning assets | $783,587,500 | 811 |
Average equity | $115,082,000 | 673 |
Average total loans | $273,604,500 | 1,606 |
2015-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.1061% | 5,738 |
Cost of funding earning assets | 0.4171% | 3,069 |
Net interest margin | 2.6890% | 5,776 |
Noninterest income to average assets | -0.0467% | 6,289 |
Noninterest expense to average assets | 1.6870% | 5,981 |
Loan and lease loss provision to assets | 0.0017% | 4,051 |
Net operating income to assets | 0.5706% | 4,472 |
Return on assets (ROA) | 0.5829% | 4,516 |
Pretax return on assets | 0.7751% | 4,404 |
Return on Equity (ROE) | 4.2866% | 4,907 |
Retained earnings to average equity (ytd only) | 2.4385% | 4,500 |
Net charge-offs to loans | -0.0181% | 5,140 |
Credit loss provision to net charge-offs | -28.0000% | 4,753 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 68.9313% | 3,502 |
Assets per employee ($millions) | 6.8755% | 877 |
Cash dividends to net income (ytd only)* | 43.1140% | 2,257 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1625% | 774 |
Loan loss allowance to noncurrent loans | 85.0079% | 4,074 |
Noncurrent assets plus other real estate owned to assets | 3.7733% | 364 |
Noncurrent loans to loans | 2.5438% | 870 |
Net loans and leases to total assets | 31.9904% | 5,980 |
Net loans and leases to deposits | 39.6437% | 5,913 |
Net loans and leases to core deposits | 40.3351% | 5,944 |
Total domestic deposits to total assets | 80.6946% | 4,694 |
Equity capital to assets | 13.5099% | 1,166 |
Core capital (leverage) ratio | 13.4714% | 992 |
Tier 1 risk-based capital ratio | 25.6612% | 802 |
Total risk-based capital ratio | 26.9122% | 788 |
Memoranda: | ||
Average total assets | $839,595,000 | 835 |
Average earning assets | $778,719,000 | 824 |
Average equity | $114,170,000 | 680 |
Average total loans | $275,651,330 | 1,596 |
2015-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.0897% | 5,793 |
Cost of funding earning assets | 0.4379% | 2,904 |
Net interest margin | 2.6518% | 5,865 |
Noninterest income to average assets | 0.0033% | 6,325 |
Noninterest expense to average assets | 1.6924% | 6,021 |
Loan and lease loss provision to assets | 0.0000% | 3,703 |
Net operating income to assets | 0.5800% | 4,360 |
Return on assets (ROA) | 0.5800% | 4,468 |
Pretax return on assets | 0.7710% | 4,347 |
Return on Equity (ROE) | 4.2516% | 4,873 |
Retained earnings to average equity (ytd only) | 4.2516% | 3,468 |
Net charge-offs to loans | 0.0188% | 2,782 |
Credit loss provision to net charge-offs | 0.0000% | 2,491 |
Earnings coverage of net charge-offs (x) | 124.5385% | 414 |
Efficiency ratio | 68.7029% | 3,710 |
Assets per employee ($millions) | 6.4358% | 1,115 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1957% | 811 |
Loan loss allowance to noncurrent loans | 80.1034% | 4,166 |
Noncurrent assets plus other real estate owned to assets | 3.9534% | 382 |
Noncurrent loans to loans | 2.7410% | 856 |
Net loans and leases to total assets | 30.8627% | 6,039 |
Net loans and leases to deposits | 38.2447% | 5,976 |
Net loans and leases to core deposits | 38.9522% | 6,007 |
Total domestic deposits to total assets | 80.6981% | 4,887 |
Equity capital to assets | 13.7274% | 1,082 |
Core capital (leverage) ratio | 13.3403% | 1,036 |
Tier 1 risk-based capital ratio | 25.5232% | 834 |
Total risk-based capital ratio | 26.7744% | 813 |
Memoranda: | ||
Average total assets | $839,986,500 | 836 |
Average earning assets | $779,244,500 | 823 |
Average equity | $114,593,500 | 669 |
Average total loans | $276,342,000 | 1,580 |
2014-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.3194% | 5,675 |
Cost of funding earning assets | 0.5180% | 2,507 |
Net interest margin | 2.8014% | 5,804 |
Noninterest income to average assets | -0.1136% | 6,456 |
Noninterest expense to average assets | 1.7544% | 6,110 |
Loan and lease loss provision to assets | 0.0336% | 3,922 |
Net operating income to assets | 0.5165% | 4,747 |
Return on assets (ROA) | 0.5211% | 4,813 |
Pretax return on assets | 0.6734% | 4,712 |
Return on Equity (ROE) | 4.0491% | 5,096 |
Retained earnings to average equity (ytd only) | 2.3697% | 4,542 |
Net charge-offs to loans | 0.2175% | 1,931 |
Credit loss provision to net charge-offs | 43.9063% | 3,607 |
Earnings coverage of net charge-offs (x) | 9.1484% | 2,785 |
Efficiency ratio | 71.4488% | 3,304 |
Assets per employee ($millions) | 6.1062% | 1,308 |
Cash dividends to net income (ytd only)* | 41.4752% | 2,773 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0727% | 992 |
Loan loss allowance to noncurrent loans | 51.9781% | 5,041 |
Noncurrent assets plus other real estate owned to assets | 4.6836% | 316 |
Noncurrent loans to loans | 3.9875% | 467 |
Net loans and leases to total assets | 33.5617% | 6,058 |
Net loans and leases to deposits | 41.5897% | 5,979 |
Net loans and leases to core deposits | 42.4251% | 6,017 |
Total domestic deposits to total assets | 80.6971% | 4,827 |
Equity capital to assets | 13.5552% | 1,138 |
Core capital (leverage) ratio | 13.1078% | 1,095 |
Tier 1 risk-based capital ratio | 25.4702% | 799 |
Total risk-based capital ratio | 26.7219% | 789 |
Memoranda: | ||
Average total assets | $835,169,600 | 808 |
Average earning assets | $765,902,600 | 798 |
Average equity | $107,481,200 | 681 |
Average total loans | $294,240,200 | 1,454 |
2014-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.3585% | 5,658 |
Cost of funding earning assets | 0.5279% | 2,491 |
Net interest margin | 2.8306% | 5,828 |
Noninterest income to average assets | -0.0909% | 6,524 |
Noninterest expense to average assets | 1.7386% | 6,170 |
Loan and lease loss provision to assets | 0.0443% | 3,510 |
Net operating income to assets | 0.5495% | 4,676 |
Return on assets (ROA) | 0.5495% | 4,754 |
Pretax return on assets | 0.7163% | 4,651 |
Return on Equity (ROE) | 4.3272% | 5,028 |
Retained earnings to average equity (ytd only) | 3.3141% | 4,262 |
Net charge-offs to loans | 0.2499% | 1,544 |
Credit loss provision to net charge-offs | 50.0000% | 3,096 |
Earnings coverage of net charge-offs (x) | 8.5810% | 2,775 |
Efficiency ratio | 69.5669% | 3,583 |
Assets per employee ($millions) | 6.1451% | 1,234 |
Cash dividends to net income (ytd only)* | 23.4116% | 3,082 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0329% | 1,202 |
Loan loss allowance to noncurrent loans | 49.4092% | 5,166 |
Noncurrent assets plus other real estate owned to assets | 4.9557% | 351 |
Noncurrent loans to loans | 4.1143% | 498 |
Net loans and leases to total assets | 34.2312% | 6,104 |
Net loans and leases to deposits | 42.4968% | 6,030 |
Net loans and leases to core deposits | 43.3854% | 6,068 |
Total domestic deposits to total assets | 80.5502% | 4,950 |
Equity capital to assets | 13.0653% | 1,397 |
Core capital (leverage) ratio | 13.0795% | 1,143 |
Tier 1 risk-based capital ratio | 24.5481% | 929 |
Total risk-based capital ratio | 25.7992% | 917 |
Memoranda: | ||
Average total assets | $836,350,250 | 811 |
Average earning assets | $765,289,750 | 799 |
Average equity | $106,209,250 | 688 |
Average total loans | $296,647,500 | 1,445 |
2014-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.3957% | 5,626 |
Cost of funding earning assets | 0.5363% | 2,475 |
Net interest margin | 2.8594% | 5,801 |
Noninterest income to average assets | -0.0863% | 6,600 |
Noninterest expense to average assets | 1.7634% | 6,191 |
Loan and lease loss provision to assets | 0.0542% | 3,219 |
Net operating income to assets | 0.5400% | 4,650 |
Return on assets (ROA) | 0.5400% | 4,746 |
Pretax return on assets | 0.7041% | 4,625 |
Return on Equity (ROE) | 4.2936% | 5,023 |
Retained earnings to average equity (ytd only) | 2.7557% | 4,446 |
Net charge-offs to loans | 0.3805% | 1,060 |
Credit loss provision to net charge-offs | 39.9293% | 2,931 |
Earnings coverage of net charge-offs (x) | 5.5901% | 2,902 |
Efficiency ratio | 69.9297% | 3,671 |
Assets per employee ($millions) | 6.0302% | 1,259 |
Cash dividends to net income (ytd only)* | 35.8189% | 2,576 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9888% | 1,380 |
Loan loss allowance to noncurrent loans | 49.0185% | 5,203 |
Noncurrent assets plus other real estate owned to assets | 5.0895% | 346 |
Noncurrent loans to loans | 4.0573% | 576 |
Net loans and leases to total assets | 34.5454% | 6,128 |
Net loans and leases to deposits | 42.2957% | 6,060 |
Net loans and leases to core deposits | 43.1836% | 6,106 |
Total domestic deposits to total assets | 81.6760% | 4,758 |
Equity capital to assets | 12.9546% | 1,395 |
Core capital (leverage) ratio | 12.7390% | 1,271 |
Tier 1 risk-based capital ratio | 24.0247% | 983 |
Total risk-based capital ratio | 25.2756% | 964 |
Memoranda: | ||
Average total assets | $834,507,000 | 813 |
Average earning assets | $761,135,330 | 807 |
Average equity | $104,947,670 | 694 |
Average total loans | $297,474,670 | 1,442 |
2014-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.4379% | 5,564 |
Cost of funding earning assets | 0.5508% | 2,412 |
Net interest margin | 2.8870% | 5,780 |
Noninterest income to average assets | -0.0974% | 6,661 |
Noninterest expense to average assets | 1.8205% | 6,192 |
Loan and lease loss provision to assets | 0.0723% | 2,693 |
Net operating income to assets | 0.4870% | 4,751 |
Return on assets (ROA) | 0.4870% | 4,826 |
Pretax return on assets | 0.6301% | 4,726 |
Return on Equity (ROE) | 3.9323% | 5,075 |
Retained earnings to average equity (ytd only) | 3.9323% | 3,755 |
Net charge-offs to loans | 0.0134% | 3,332 |
Credit loss provision to net charge-offs | 1,500.0000% | 212 |
Earnings coverage of net charge-offs (x) | 145.7000% | 335 |
Efficiency ratio | 72.1575% | 3,457 |
Assets per employee ($millions) | 6.1265% | 1,220 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9621% | 1,594 |
Loan loss allowance to noncurrent loans | 42.2311% | 5,496 |
Noncurrent assets plus other real estate owned to assets | 5.8357% | 300 |
Noncurrent loans to loans | 4.6462% | 504 |
Net loans and leases to total assets | 35.1106% | 6,117 |
Net loans and leases to deposits | 42.7645% | 6,034 |
Net loans and leases to core deposits | 43.6943% | 6,087 |
Total domestic deposits to total assets | 82.1023% | 4,911 |
Equity capital to assets | 12.5519% | 1,544 |
Core capital (leverage) ratio | 12.9951% | 1,165 |
Tier 1 risk-based capital ratio | 23.7186% | 1,045 |
Total risk-based capital ratio | 24.9701% | 1,027 |
Memoranda: | ||
Average total assets | $829,648,000 | 822 |
Average earning assets | $753,020,500 | 828 |
Average equity | $102,738,500 | 709 |
Average total loans | $297,432,500 | 1,453 |
2013-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.2780% | 6,030 |
Cost of funding earning assets | 0.6320% | 2,366 |
Net interest margin | 2.6460% | 6,209 |
Noninterest income to average assets | -0.0569% | 6,698 |
Noninterest expense to average assets | 1.8432% | 6,263 |
Loan and lease loss provision to assets | 0.2640% | 1,344 |
Net operating income to assets | 0.2582% | 5,664 |
Return on assets (ROA) | 0.2605% | 5,732 |
Pretax return on assets | 0.2604% | 5,828 |
Return on Equity (ROE) | 2.0960% | 5,807 |
Retained earnings to average equity (ytd only) | 2.0960% | 4,744 |
Net charge-offs to loans | 3.3188% | 64 |
Credit loss provision to net charge-offs | 22.0598% | 4,412 |
Earnings coverage of net charge-offs (x) | 0.4362% | 4,935 |
Efficiency ratio | 77.9252% | 2,481 |
Assets per employee ($millions) | 5.8154% | 1,392 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9567% | 1,656 |
Loan loss allowance to noncurrent loans | 39.2395% | 5,654 |
Noncurrent assets plus other real estate owned to assets | 6.5705% | 273 |
Noncurrent loans to loans | 4.9865% | 505 |
Net loans and leases to total assets | 35.1862% | 6,238 |
Net loans and leases to deposits | 42.7854% | 6,185 |
Net loans and leases to core deposits | 43.8368% | 6,235 |
Total domestic deposits to total assets | 82.2389% | 4,795 |
Equity capital to assets | 12.2109% | 1,676 |
Core capital (leverage) ratio | 11.8620% | 1,708 |
Tier 1 risk-based capital ratio | 21.0967% | 1,403 |
Total risk-based capital ratio | 22.3477% | 1,383 |
Memoranda: | ||
Average total assets | $857,419,400 | 772 |
Average earning assets | $784,920,800 | 770 |
Average equity | $106,585,800 | 664 |
Average total loans | $309,241,000 | 1,375 |
2013-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.2086% | 6,184 |
Cost of funding earning assets | 0.6446% | 2,410 |
Net interest margin | 2.5640% | 6,360 |
Noninterest income to average assets | -0.0717% | 6,798 |
Noninterest expense to average assets | 1.7746% | 6,384 |
Loan and lease loss provision to assets | 0.3089% | 1,097 |
Net operating income to assets | 0.2269% | 5,847 |
Return on assets (ROA) | 0.2298% | 5,921 |
Pretax return on assets | 0.2034% | 6,037 |
Return on Equity (ROE) | 1.8410% | 5,992 |
Retained earnings to average equity (ytd only) | 1.8410% | 5,218 |
Net charge-offs to loans | 3.8476% | 46 |
Credit loss provision to net charge-offs | 22.2321% | 4,031 |
Earnings coverage of net charge-offs (x) | 0.3666% | 4,744 |
Efficiency ratio | 77.7007% | 2,462 |
Assets per employee ($millions) | 6.2402% | 1,083 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.4137% | 1,031 |
Loan loss allowance to noncurrent loans | 34.9302% | 5,815 |
Noncurrent assets plus other real estate owned to assets | 7.0703% | 284 |
Noncurrent loans to loans | 6.9100% | 305 |
Net loans and leases to total assets | 33.9587% | 6,360 |
Net loans and leases to deposits | 41.6985% | 6,326 |
Net loans and leases to core deposits | 43.5514% | 6,322 |
Total domestic deposits to total assets | 81.4385% | 5,106 |
Equity capital to assets | 11.9793% | 1,929 |
Core capital (leverage) ratio | 11.7857% | 1,826 |
Tier 1 risk-based capital ratio | 21.5992% | 1,383 |
Total risk-based capital ratio | 22.8530% | 1,359 |
Memoranda: | ||
Average total assets | $866,782,750 | 765 |
Average earning assets | $796,345,750 | 761 |
Average equity | $108,201,000 | 662 |
Average total loans | $312,983,000 | 1,358 |
2013-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.1549% | 6,285 |
Cost of funding earning assets | 0.6605% | 2,396 |
Net interest margin | 2.4944% | 6,457 |
Noninterest income to average assets | -0.2196% | 6,873 |
Noninterest expense to average assets | 1.7708% | 6,424 |
Loan and lease loss provision to assets | 0.1499% | 2,455 |
Net operating income to assets | 0.1994% | 5,891 |
Return on assets (ROA) | 0.2035% | 6,010 |
Pretax return on assets | 0.1646% | 6,138 |
Return on Equity (ROE) | 1.6090% | 6,070 |
Retained earnings to average equity (ytd only) | 1.6090% | 5,225 |
Net charge-offs to loans | 3.9846% | 54 |
Credit loss provision to net charge-offs | 10.2941% | 3,896 |
Earnings coverage of net charge-offs (x) | 0.2132% | 4,479 |
Efficiency ratio | 85.0868% | 1,517 |
Assets per employee ($millions) | 6.0134% | 1,189 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.8983% | 643 |
Loan loss allowance to noncurrent loans | 38.4347% | 5,699 |
Noncurrent assets plus other real estate owned to assets | 7.0915% | 335 |
Noncurrent loans to loans | 7.5408% | 291 |
Net loans and leases to total assets | 33.4441% | 6,442 |
Net loans and leases to deposits | 40.6544% | 6,380 |
Net loans and leases to core deposits | 42.4017% | 6,390 |
Total domestic deposits to total assets | 82.2645% | 4,955 |
Equity capital to assets | 12.1253% | 1,832 |
Core capital (leverage) ratio | 11.7695% | 1,749 |
Tier 1 risk-based capital ratio | 22.2398% | 1,244 |
Total risk-based capital ratio | 23.4978% | 1,224 |
Memoranda: | ||
Average total assets | $868,659,330 | 763 |
Average earning assets | $801,234,330 | 756 |
Average equity | $109,881,330 | 650 |
Average total loans | $317,421,000 | 1,335 |
2013-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.1761% | 6,322 |
Cost of funding earning assets | 0.6832% | 2,363 |
Net interest margin | 2.4929% | 6,521 |
Noninterest income to average assets | -0.1549% | 6,941 |
Noninterest expense to average assets | 1.7951% | 6,445 |
Loan and lease loss provision to assets | 0.1150% | 2,796 |
Net operating income to assets | 0.2621% | 5,690 |
Return on assets (ROA) | 0.2703% | 5,782 |
Pretax return on assets | 0.2538% | 5,947 |
Return on Equity (ROE) | 2.0943% | 5,907 |
Retained earnings to average equity (ytd only) | 2.0943% | 4,957 |
Net charge-offs to loans | 7.6575% | 22 |
Credit loss provision to net charge-offs | 3.9968% | 3,201 |
Earnings coverage of net charge-offs (x) | 0.1253% | 3,774 |
Efficiency ratio | 83.2731% | 1,859 |
Assets per employee ($millions) | 6.1279% | 1,179 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.6044% | 1,007 |
Loan loss allowance to noncurrent loans | 24.8430% | 6,200 |
Noncurrent assets plus other real estate owned to assets | 7.0226% | 396 |
Noncurrent loans to loans | 10.4836% | 193 |
Net loans and leases to total assets | 35.1129% | 6,358 |
Net loans and leases to deposits | 43.1126% | 6,266 |
Net loans and leases to core deposits | 45.1053% | 6,260 |
Total domestic deposits to total assets | 81.4447% | 5,381 |
Equity capital to assets | 12.8580% | 1,496 |
Core capital (leverage) ratio | 12.5777% | 1,304 |
Tier 1 risk-based capital ratio | 23.1986% | 1,125 |
Total risk-based capital ratio | 24.4548% | 1,106 |
Memoranda: | ||
Average total assets | $873,031,500 | 764 |
Average earning assets | $809,174,000 | 754 |
Average equity | $112,688,500 | 643 |
Average total loans | $328,044,000 | 1,295 |
2012-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.5162% | 6,344 |
Cost of funding earning assets | 0.9577% | 1,598 |
Net interest margin | 2.5585% | 6,670 |
Noninterest income to average assets | -0.1120% | 6,926 |
Noninterest expense to average assets | 1.7587% | 6,669 |
Loan and lease loss provision to assets | 0.2993% | 2,281 |
Net operating income to assets | 0.2459% | 5,644 |
Return on assets (ROA) | 0.2509% | 5,834 |
Pretax return on assets | 0.1965% | 5,995 |
Return on Equity (ROE) | 1.9709% | 5,912 |
Retained earnings to average equity (ytd only) | 1.9709% | 4,836 |
Net charge-offs to loans | 0.5393% | 2,116 |
Credit loss provision to net charge-offs | 128.0351% | 2,199 |
Earnings coverage of net charge-offs (x) | 2.0995% | 4,363 |
Efficiency ratio | 78.1853% | 2,418 |
Assets per employee ($millions) | 6.0823% | 1,234 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
Condition Ratios (%) | ||
Loss allowance to loans | 4.1912% | 252 |
Loan loss allowance to noncurrent loans | 38.1458% | 5,707 |
Noncurrent assets plus other real estate owned to assets | 7.7839% | 374 |
Noncurrent loans to loans | 10.9873% | 188 |
Net loans and leases to total assets | 37.4709% | 6,338 |
Net loans and leases to deposits | 45.9672% | 6,254 |
Net loans and leases to core deposits | 48.0978% | 6,264 |
Total domestic deposits to total assets | 81.5166% | 5,256 |
Equity capital to assets | 12.9578% | 1,470 |
Core capital (leverage) ratio | 12.3302% | 1,388 |
Tier 1 risk-based capital ratio | 23.3237% | 1,063 |
Total risk-based capital ratio | 24.5964% | 1,044 |
Memoranda: | ||
Average total assets | $877,505,800 | 751 |
Average earning assets | $809,935,800 | 734 |
Average equity | $111,728,200 | 640 |
Average total loans | $380,301,000 | 1,100 |
2012-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.5952% | 6,401 |
Cost of funding earning assets | 0.9877% | 1,637 |
Net interest margin | 2.6074% | 6,748 |
Noninterest income to average assets | -0.1270% | 7,040 |
Noninterest expense to average assets | 1.7787% | 6,702 |
Loan and lease loss provision to assets | 0.2147% | 2,919 |
Net operating income to assets | 0.2859% | 5,660 |
Return on assets (ROA) | 0.2926% | 5,837 |
Pretax return on assets | 0.2928% | 5,972 |
Return on Equity (ROE) | 2.3082% | 5,940 |
Retained earnings to average equity (ytd only) | 2.3082% | 5,181 |
Net charge-offs to loans | 0.3399% | 2,754 |
Credit loss provision to net charge-offs | 142.3116% | 2,024 |
Earnings coverage of net charge-offs (x) | 3.3196% | 3,692 |
Efficiency ratio | 78.0313% | 2,398 |
Assets per employee ($millions) | 6.0643% | 1,217 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.9151% | 331 |
Loan loss allowance to noncurrent loans | 35.5535% | 5,866 |
Noncurrent assets plus other real estate owned to assets | 8.3626% | 357 |
Noncurrent loans to loans | 11.0119% | 204 |
Net loans and leases to total assets | 39.9121% | 6,290 |
Net loans and leases to deposits | 49.2297% | 6,175 |
Net loans and leases to core deposits | 51.7301% | 6,195 |
Total domestic deposits to total assets | 81.0733% | 5,331 |
Equity capital to assets | 13.0681% | 1,564 |
Core capital (leverage) ratio | 12.2205% | 1,526 |
Tier 1 risk-based capital ratio | 22.6380% | 1,233 |
Total risk-based capital ratio | 23.9093% | 1,207 |
Memoranda: | ||
Average total assets | $879,440,250 | 755 |
Average earning assets | $811,662,500 | 738 |
Average equity | $111,484,500 | 640 |
Average total loans | $390,334,500 | 1,083 |
2012-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6458% | 6,423 |
Cost of funding earning assets | 1.0078% | 1,724 |
Net interest margin | 2.6380% | 6,787 |
Noninterest income to average assets | -0.1084% | 7,098 |
Noninterest expense to average assets | 1.7992% | 6,750 |
Loan and lease loss provision to assets | 0.2031% | 3,049 |
Net operating income to assets | 0.2887% | 5,658 |
Return on assets (ROA) | 0.2979% | 5,830 |
Pretax return on assets | 0.3314% | 5,890 |
Return on Equity (ROE) | 2.3739% | 5,924 |
Retained earnings to average equity (ytd only) | 2.3739% | 5,007 |
Net charge-offs to loans | 0.4726% | 2,174 |
Credit loss provision to net charge-offs | 94.8203% | 2,912 |
Earnings coverage of net charge-offs (x) | 2.4482% | 3,778 |
Efficiency ratio | 77.4357% | 2,532 |
Assets per employee ($millions) | 6.2052% | 1,115 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.4411% | 516 |
Loan loss allowance to noncurrent loans | 58.4455% | 4,717 |
Noncurrent assets plus other real estate owned to assets | 6.5567% | 626 |
Noncurrent loans to loans | 5.8877% | 765 |
Net loans and leases to total assets | 43.1116% | 6,102 |
Net loans and leases to deposits | 52.8502% | 5,968 |
Net loans and leases to core deposits | 55.3751% | 5,992 |
Total domestic deposits to total assets | 81.5733% | 5,275 |
Equity capital to assets | 12.6067% | 1,749 |
Core capital (leverage) ratio | 12.0463% | 1,581 |
Tier 1 risk-based capital ratio | 20.8906% | 1,504 |
Total risk-based capital ratio | 22.1581% | 1,472 |
Memoranda: | ||
Average total assets | $883,522,000 | 752 |
Average earning assets | $814,472,000 | 738 |
Average equity | $110,870,670 | 642 |
Average total loans | $400,373,000 | 1,052 |
2012-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6705% | 6,486 |
Cost of funding earning assets | 1.0416% | 1,734 |
Net interest margin | 2.6289% | 6,855 |
Noninterest income to average assets | -0.1493% | 7,182 |
Noninterest expense to average assets | 1.7826% | 6,814 |
Loan and lease loss provision to assets | 0.1366% | 3,642 |
Net operating income to assets | 0.3017% | 5,650 |
Return on assets (ROA) | 0.3017% | 5,819 |
Pretax return on assets | 0.3512% | 5,850 |
Return on Equity (ROE) | 2.4100% | 5,941 |
Retained earnings to average equity (ytd only) | 2.4100% | 5,062 |
Net charge-offs to loans | 0.6937% | 1,438 |
Credit loss provision to net charge-offs | 43.1232% | 3,392 |
Earnings coverage of net charge-offs (x) | 1.5401% | 3,561 |
Efficiency ratio | 78.5172% | 2,424 |
Assets per employee ($millions) | 6.2540% | 1,115 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.3049% | 617 |
Loan loss allowance to noncurrent loans | 56.4983% | 4,715 |
Noncurrent assets plus other real estate owned to assets | 6.7113% | 658 |
Noncurrent loans to loans | 5.8495% | 872 |
Net loans and leases to total assets | 43.4630% | 6,056 |
Net loans and leases to deposits | 52.3471% | 5,950 |
Net loans and leases to core deposits | 54.7012% | 6,005 |
Total domestic deposits to total assets | 83.0285% | 4,915 |
Equity capital to assets | 12.3710% | 1,808 |
Core capital (leverage) ratio | 12.2943% | 1,439 |
Tier 1 risk-based capital ratio | 21.0131% | 1,496 |
Total risk-based capital ratio | 22.2802% | 1,459 |
Memoranda: | ||
Average total assets | $881,612,500 | 752 |
Average earning assets | $811,451,000 | 742 |
Average equity | $110,374,000 | 640 |
Average total loans | $402,469,500 | 1,049 |
2011-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1123% | 6,262 |
Cost of funding earning assets | 1.2927% | 1,515 |
Net interest margin | 2.8195% | 6,799 |
Noninterest income to average assets | 0.1796% | 6,207 |
Noninterest expense to average assets | 1.9636% | 6,740 |
Loan and lease loss provision to assets | 0.8934% | 1,076 |
Net operating income to assets | 0.0195% | 6,003 |
Return on assets (ROA) | 0.0237% | 6,112 |
Pretax return on assets | -0.1017% | 6,213 |
Return on Equity (ROE) | 0.1853% | 6,124 |
Retained earnings to average equity (ytd only) | 0.1853% | 5,755 |
Net charge-offs to loans | 1.3330% | 1,237 |
Credit loss provision to net charge-offs | 133.1284% | 2,285 |
Earnings coverage of net charge-offs (x) | 1.1700% | 4,916 |
Efficiency ratio | 71.4353% | 3,707 |
Assets per employee ($millions) | 6.1625% | 1,124 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.3954% | 579 |
Loan loss allowance to noncurrent loans | 56.4998% | 4,688 |
Noncurrent assets plus other real estate owned to assets | 7.2502% | 621 |
Noncurrent loans to loans | 6.0096% | 829 |
Net loans and leases to total assets | 44.8005% | 6,137 |
Net loans and leases to deposits | 54.2023% | 6,047 |
Net loans and leases to core deposits | 56.7360% | 6,101 |
Total domestic deposits to total assets | 82.6542% | 4,898 |
Equity capital to assets | 12.6725% | 1,680 |
Core capital (leverage) ratio | 12.2013% | 1,497 |
Tier 1 risk-based capital ratio | 21.0359% | 1,400 |
Total risk-based capital ratio | 22.3042% | 1,380 |
Memoranda: | ||
Average total assets | $848,342,200 | 768 |
Average earning assets | $773,003,400 | 765 |
Average equity | $108,482,000 | 636 |
Average total loans | $427,081,000 | 979 |
2011-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2030% | 6,195 |
Cost of funding earning assets | 1.3258% | 1,569 |
Net interest margin | 2.8772% | 6,787 |
Noninterest income to average assets | 0.1463% | 6,523 |
Noninterest expense to average assets | 2.0088% | 6,672 |
Loan and lease loss provision to assets | 0.9601% | 914 |
Net operating income to assets | -0.0410% | 6,205 |
Return on assets (ROA) | -0.0386% | 6,301 |
Pretax return on assets | -0.2022% | 6,413 |
Return on Equity (ROE) | -0.3010% | 6,301 |
Retained earnings to average equity (ytd only) | -0.3010% | 6,033 |
Net charge-offs to loans | 1.7485% | 779 |
Credit loss provision to net charge-offs | 106.9014% | 3,093 |
Earnings coverage of net charge-offs (x) | 0.8396% | 4,984 |
Efficiency ratio | 72.7065% | 3,420 |
Assets per employee ($millions) | 5.8020% | 1,348 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.9191% | 917 |
Loan loss allowance to noncurrent loans | 49.5488% | 5,043 |
Noncurrent assets plus other real estate owned to assets | 7.4734% | 630 |
Noncurrent loans to loans | 5.8913% | 955 |
Net loans and leases to total assets | 47.2080% | 6,035 |
Net loans and leases to deposits | 57.7125% | 5,866 |
Net loans and leases to core deposits | 60.5569% | 5,939 |
Total domestic deposits to total assets | 81.7985% | 5,162 |
Equity capital to assets | 12.8293% | 1,700 |
Core capital (leverage) ratio | 12.2625% | 1,551 |
Tier 1 risk-based capital ratio | 20.4480% | 1,573 |
Total risk-based capital ratio | 21.7117% | 1,545 |
Memoranda: | ||
Average total assets | $843,201,250 | 783 |
Average earning assets | $766,834,500 | 781 |
Average equity | $108,074,500 | 645 |
Average total loans | $433,112,250 | 978 |
2011-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2381% | 6,201 |
Cost of funding earning assets | 1.3520% | 1,639 |
Net interest margin | 2.8862% | 6,811 |
Noninterest income to average assets | 0.1995% | 6,241 |
Noninterest expense to average assets | 2.0290% | 6,730 |
Loan and lease loss provision to assets | 0.5642% | 1,715 |
Net operating income to assets | 0.2284% | 5,633 |
Return on assets (ROA) | 0.2341% | 5,735 |
Pretax return on assets | 0.2277% | 5,864 |
Return on Equity (ROE) | 1.8272% | 5,856 |
Retained earnings to average equity (ytd only) | 1.8272% | 5,074 |
Net charge-offs to loans | 1.2056% | 1,299 |
Credit loss provision to net charge-offs | 89.4777% | 3,464 |
Earnings coverage of net charge-offs (x) | 1.2468% | 4,354 |
Efficiency ratio | 72.0753% | 3,716 |
Assets per employee ($millions) | 5.7131% | 1,386 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.7080% | 1,174 |
Loan loss allowance to noncurrent loans | 40.9828% | 5,585 |
Noncurrent assets plus other real estate owned to assets | 8.0508% | 570 |
Noncurrent loans to loans | 6.6076% | 831 |
Net loans and leases to total assets | 48.6081% | 5,985 |
Net loans and leases to deposits | 59.2819% | 5,795 |
Net loans and leases to core deposits | 60.9455% | 6,009 |
Total domestic deposits to total assets | 81.9947% | 5,169 |
Equity capital to assets | 12.8969% | 1,571 |
Core capital (leverage) ratio | 12.5913% | 1,322 |
Tier 1 risk-based capital ratio | 19.7315% | 1,663 |
Total risk-based capital ratio | 20.9942% | 1,632 |
Memoranda: | ||
Average total assets | $838,035,000 | 798 |
Average earning assets | $759,485,330 | 800 |
Average equity | $107,377,670 | 650 |
Average total loans | $438,295,000 | 982 |
2011-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1971% | 6,284 |
Cost of funding earning assets | 1.3661% | 1,797 |
Net interest margin | 2.8311% | 6,868 |
Noninterest income to average assets | 0.2088% | 6,241 |
Noninterest expense to average assets | 1.9937% | 6,836 |
Loan and lease loss provision to assets | 0.4590% | 1,920 |
Net operating income to assets | 0.2935% | 5,445 |
Return on assets (ROA) | 0.2935% | 5,517 |
Pretax return on assets | 0.3175% | 5,606 |
Return on Equity (ROE) | 2.2981% | 5,685 |
Retained earnings to average equity (ytd only) | 2.2981% | 4,774 |
Net charge-offs to loans | 1.2914% | 1,071 |
Credit loss provision to net charge-offs | 66.4345% | 3,426 |
Earnings coverage of net charge-offs (x) | 1.1240% | 3,824 |
Efficiency ratio | 71.9694% | 3,874 |
Assets per employee ($millions) | 5.5390% | 1,536 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.5810% | 1,341 |
Loan loss allowance to noncurrent loans | 32.8982% | 6,109 |
Noncurrent assets plus other real estate owned to assets | 9.5273% | 443 |
Noncurrent loans to loans | 7.8453% | 650 |
Net loans and leases to total assets | 51.0627% | 5,708 |
Net loans and leases to deposits | 62.0046% | 5,493 |
Net loans and leases to core deposits | 63.8760% | 5,742 |
Total domestic deposits to total assets | 82.3530% | 5,167 |
Equity capital to assets | 12.7691% | 1,487 |
Core capital (leverage) ratio | 12.8303% | 1,186 |
Tier 1 risk-based capital ratio | 18.9759% | 1,813 |
Total risk-based capital ratio | 20.2371% | 1,767 |
Memoranda: | ||
Average total assets | $831,424,500 | 806 |
Average earning assets | $752,228,500 | 813 |
Average equity | $106,173,500 | 652 |
Average total loans | $444,794,500 | 979 |
2010-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5559% | 6,233 |
Cost of funding earning assets | 1.5465% | 2,367 |
Net interest margin | 3.0095% | 6,717 |
Noninterest income to average assets | 0.2501% | 6,010 |
Noninterest expense to average assets | 2.0923% | 6,864 |
Loan and lease loss provision to assets | 0.5773% | 2,821 |
Net operating income to assets | 0.3418% | 4,783 |
Return on assets (ROA) | 0.3528% | 4,896 |
Pretax return on assets | 0.3304% | 5,143 |
Return on Equity (ROE) | 2.7285% | 5,074 |
Retained earnings to average equity (ytd only) | 2.7285% | 3,947 |
Net charge-offs to loans | 0.9510% | 2,282 |
Credit loss provision to net charge-offs | 103.8445% | 4,330 |
Earnings coverage of net charge-offs (x) | 1.6129% | 4,527 |
Efficiency ratio | 70.0008% | 4,183 |
Assets per employee ($millions) | 5.5841% | 1,509 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.6144% | 1,278 |
Loan loss allowance to noncurrent loans | 31.0192% | 6,230 |
Noncurrent assets plus other real estate owned to assets | 9.6140% | 440 |
Noncurrent loans to loans | 8.4284% | 589 |
Net loans and leases to total assets | 53.1660% | 5,758 |
Net loans and leases to deposits | 64.6822% | 5,548 |
Net loans and leases to core deposits | 66.6337% | 5,819 |
Total domestic deposits to total assets | 82.1957% | 5,126 |
Equity capital to assets | 12.7711% | 1,499 |
Core capital (leverage) ratio | 12.5934% | 1,274 |
Tier 1 risk-based capital ratio | 18.5507% | 1,826 |
Total risk-based capital ratio | 19.8126% | 1,791 |
Memoranda: | ||
Average total assets | $818,808,400 | 827 |
Average earning assets | $745,181,000 | 822 |
Average equity | $105,880,800 | 638 |
Average total loans | $478,652,200 | 939 |
2010-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6221% | 6,278 |
Cost of funding earning assets | 1.5690% | 2,552 |
Net interest margin | 3.0532% | 6,724 |
Noninterest income to average assets | 0.4640% | 4,459 |
Noninterest expense to average assets | 2.1938% | 6,620 |
Loan and lease loss provision to assets | 0.6070% | 2,508 |
Net operating income to assets | 0.3774% | 4,854 |
Return on assets (ROA) | 0.3899% | 4,972 |
Pretax return on assets | 0.4606% | 5,041 |
Return on Equity (ROE) | 3.0060% | 5,220 |
Retained earnings to average equity (ytd only) | 3.0060% | 4,334 |
Net charge-offs to loans | 0.1093% | 5,440 |
Credit loss provision to net charge-offs | 934.4221% | 309 |
Earnings coverage of net charge-offs (x) | 16.2086% | 1,390 |
Efficiency ratio | 67.5699% | 4,549 |
Assets per employee ($millions) | 5.4913% | 1,627 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.1785% | 712 |
Loan loss allowance to noncurrent loans | 32.0980% | 6,202 |
Noncurrent assets plus other real estate owned to assets | 10.0195% | 408 |
Noncurrent loans to loans | 9.9025% | 433 |
Net loans and leases to total assets | 54.5265% | 5,768 |
Net loans and leases to deposits | 67.0515% | 5,539 |
Net loans and leases to core deposits | 69.8728% | 5,763 |
Total domestic deposits to total assets | 81.3204% | 5,261 |
Equity capital to assets | 12.9909% | 1,574 |
Core capital (leverage) ratio | 12.6583% | 1,356 |
Tier 1 risk-based capital ratio | 17.7100% | 2,108 |
Total risk-based capital ratio | 18.9758% | 2,069 |
Memoranda: | ||
Average total assets | $816,897,250 | 831 |
Average earning assets | $744,513,000 | 823 |
Average equity | $105,964,250 | 627 |
Average total loans | $485,518,250 | 932 |
2010-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7339% | 6,033 |
Cost of funding earning assets | 1.5956% | 2,684 |
Net interest margin | 3.1383% | 6,496 |
Noninterest income to average assets | 0.4363% | 4,643 |
Noninterest expense to average assets | 2.2686% | 6,445 |
Loan and lease loss provision to assets | 0.5936% | 2,403 |
Net operating income to assets | 0.3609% | 4,928 |
Return on assets (ROA) | 0.3798% | 5,012 |
Pretax return on assets | 0.4459% | 5,078 |
Return on Equity (ROE) | 2.9294% | 5,260 |
Retained earnings to average equity (ytd only) | 2.9294% | 4,267 |
Net charge-offs to loans | 0.0518% | 5,662 |
Credit loss provision to net charge-offs | 1,895.2756% | 213 |
Earnings coverage of net charge-offs (x) | 32.4803% | 866 |
Efficiency ratio | 69.0408% | 4,373 |
Assets per employee ($millions) | 5.4697% | 1,652 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.8541% | 953 |
Loan loss allowance to noncurrent loans | 40.3559% | 5,655 |
Noncurrent assets plus other real estate owned to assets | 8.9766% | 496 |
Noncurrent loans to loans | 7.0723% | 800 |
Net loans and leases to total assets | 58.0569% | 5,412 |
Net loans and leases to deposits | 70.7314% | 5,169 |
Net loans and leases to core deposits | 73.5785% | 5,492 |
Total domestic deposits to total assets | 82.0809% | 4,948 |
Equity capital to assets | 13.1001% | 1,530 |
Core capital (leverage) ratio | 12.7822% | 1,291 |
Tier 1 risk-based capital ratio | 17.0521% | 2,264 |
Total risk-based capital ratio | 18.3148% | 2,209 |
Memoranda: | ||
Average total assets | $810,968,330 | 842 |
Average earning assets | $736,388,670 | 836 |
Average equity | $105,141,330 | 625 |
Average total loans | $490,669,330 | 926 |
2010-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7900% | 5,925 |
Cost of funding earning assets | 1.6116% | 2,889 |
Net interest margin | 3.1784% | 6,357 |
Noninterest income to average assets | 0.4183% | 4,750 |
Noninterest expense to average assets | 2.1959% | 6,697 |
Loan and lease loss provision to assets | 0.7432% | 1,715 |
Net operating income to assets | 0.3313% | 5,160 |
Return on assets (ROA) | 0.3313% | 5,290 |
Pretax return on assets | 0.3629% | 5,404 |
Return on Equity (ROE) | 2.5688% | 5,529 |
Retained earnings to average equity (ytd only) | 2.5688% | 4,595 |
Net charge-offs to loans | -0.0479% | 7,337 |
Credit loss provision to net charge-offs | -2,547.4576% | 6,547 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 66.5019% | 5,009 |
Assets per employee ($millions) | 5.1428% | 2,038 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.7032% | 1,081 |
Loan loss allowance to noncurrent loans | 56.7060% | 4,554 |
Noncurrent assets plus other real estate owned to assets | 7.7414% | 646 |
Noncurrent loans to loans | 4.7671% | 1,544 |
Net loans and leases to total assets | 58.7662% | 5,309 |
Net loans and leases to deposits | 71.7008% | 5,091 |
Net loans and leases to core deposits | 74.9296% | 5,396 |
Total domestic deposits to total assets | 81.9603% | 5,086 |
Equity capital to assets | 13.0039% | 1,525 |
Core capital (leverage) ratio | 12.8400% | 1,277 |
Tier 1 risk-based capital ratio | 16.6673% | 2,386 |
Total risk-based capital ratio | 17.9281% | 2,334 |
Memoranda: | ||
Average total assets | $808,959,500 | 858 |
Average earning assets | $733,948,500 | 852 |
Average equity | $104,330,000 | 635 |
Average total loans | $492,475,500 | 954 |
2009-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1332% | 5,946 |
Cost of funding earning assets | 1.7560% | 4,221 |
Net interest margin | 3.3772% | 5,455 |
Noninterest income to average assets | 0.5291% | 4,187 |
Noninterest expense to average assets | 2.2557% | 6,856 |
Loan and lease loss provision to assets | 1.3692% | 1,685 |
Net operating income to assets | 0.1423% | 5,077 |
Return on assets (ROA) | 0.1391% | 5,151 |
Pretax return on assets | 0.0552% | 5,311 |
Return on Equity (ROE) | 1.0041% | 5,230 |
Retained earnings to average equity (ytd only) | -0.3399% | 5,038 |
Net charge-offs to loans | 1.1110% | 2,201 |
Credit loss provision to net charge-offs | 182.7026% | 2,251 |
Earnings coverage of net charge-offs (x) | 1.9050% | 4,294 |
Efficiency ratio | 61.2406% | 6,286 |
Assets per employee ($millions) | 5.0656% | 2,132 |
Cash dividends to net income (ytd only)* | 133.8462% | 337 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.3369% | 1,424 |
Loan loss allowance to noncurrent loans | 797.0508% | 435 |
Noncurrent assets plus other real estate owned to assets | 5.1806% | 1,158 |
Noncurrent loans to loans | 0.2932% | 6,695 |
Net loans and leases to total assets | 59.9207% | 5,354 |
Net loans and leases to deposits | 72.7585% | 5,229 |
Net loans and leases to core deposits | 87.1037% | 5,422 |
Total domestic deposits to total assets | 82.3555% | 4,791 |
Equity capital to assets | 12.7902% | 1,601 |
Core capital (leverage) ratio | 13.1408% | 1,206 |
Tier 1 risk-based capital ratio | 16.0886% | 2,479 |
Total risk-based capital ratio | 17.3456% | 2,410 |
Memoranda: | ||
Average total assets | $747,527,600 | 916 |
Average earning assets | $698,177,200 | 894 |
Average equity | $103,572,600 | 629 |
Average total loans | $504,213,200 | 948 |
2009-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1720% | 6,001 |
Cost of funding earning assets | 1.7681% | 4,535 |
Net interest margin | 3.4039% | 5,248 |
Noninterest income to average assets | 0.5508% | 4,069 |
Noninterest expense to average assets | 2.2086% | 6,951 |
Loan and lease loss provision to assets | 1.4437% | 1,329 |
Net operating income to assets | 0.1714% | 5,244 |
Return on assets (ROA) | 0.1671% | 5,329 |
Pretax return on assets | 0.1004% | 5,523 |
Return on Equity (ROE) | 1.1807% | 5,436 |
Retained earnings to average equity (ytd only) | -0.6116% | 5,380 |
Net charge-offs to loans | 0.8056% | 2,354 |
Credit loss provision to net charge-offs | 259.2084% | 1,650 |
Earnings coverage of net charge-offs (x) | 2.7802% | 3,831 |
Efficiency ratio | 58.7847% | 6,595 |
Assets per employee ($millions) | 4.7498% | 2,474 |
Cash dividends to net income (ytd only)* | 151.7986% | 279 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.2794% | 1,320 |
Loan loss allowance to noncurrent loans | 37.5051% | 5,878 |
Noncurrent assets plus other real estate owned to assets | 6.1987% | 849 |
Noncurrent loans to loans | 6.0776% | 965 |
Net loans and leases to total assets | 67.2965% | 4,116 |
Net loans and leases to deposits | 82.9689% | 3,836 |
Net loans and leases to core deposits | 99.6639% | 4,415 |
Total domestic deposits to total assets | 81.1104% | 5,034 |
Equity capital to assets | 13.8040% | 1,374 |
Core capital (leverage) ratio | 13.6652% | 1,179 |
Tier 1 risk-based capital ratio | 16.4455% | 2,454 |
Total risk-based capital ratio | 17.7035% | 2,395 |
Memoranda: | ||
Average total assets | $731,785,000 | 941 |
Average earning assets | $689,305,000 | 911 |
Average equity | $103,549,750 | 640 |
Average total loans | $505,947,250 | 961 |
2009-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2135% | 6,032 |
Cost of funding earning assets | 1.7635% | 4,938 |
Net interest margin | 3.4500% | 4,986 |
Noninterest income to average assets | 0.5649% | 3,931 |
Noninterest expense to average assets | 2.1487% | 7,178 |
Loan and lease loss provision to assets | 2.0755% | 771 |
Net operating income to assets | -0.1508% | 6,107 |
Return on assets (ROA) | -0.1508% | 6,130 |
Pretax return on assets | -0.4075% | 6,334 |
Return on Equity (ROE) | -1.0570% | 6,077 |
Retained earnings to average equity (ytd only) | -3.2870% | 6,018 |
Net charge-offs to loans | 0.9860% | 1,781 |
Credit loss provision to net charge-offs | 304.0469% | 1,529 |
Earnings coverage of net charge-offs (x) | 2.4435% | 3,846 |
Efficiency ratio | 56.2970% | 7,084 |
Assets per employee ($millions) | 4.7094% | 2,453 |
Cash dividends to net income (ytd only)* | -210.9890% | 8,119 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.3851% | 1,012 |
Loan loss allowance to noncurrent loans | 28.3880% | 6,605 |
Noncurrent assets plus other real estate owned to assets | 7.9087% | 481 |
Noncurrent loans to loans | 8.4018% | 498 |
Net loans and leases to total assets | 66.1680% | 4,537 |
Net loans and leases to deposits | 80.7048% | 4,438 |
Net loans and leases to core deposits | 95.8668% | 4,915 |
Total domestic deposits to total assets | 81.9877% | 4,699 |
Equity capital to assets | 13.6345% | 1,443 |
Core capital (leverage) ratio | 13.5883% | 1,247 |
Tier 1 risk-based capital ratio | 16.5278% | 2,439 |
Total risk-based capital ratio | 17.7294% | 2,394 |
Memoranda: | ||
Average total assets | $723,973,000 | 968 |
Average earning assets | $682,376,000 | 934 |
Average equity | $103,316,000 | 646 |
Average total loans | $501,232,330 | 993 |
2009-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2685% | 6,032 |
Cost of funding earning assets | 1.7396% | 5,423 |
Net interest margin | 3.5289% | 4,621 |
Noninterest income to average assets | 0.4975% | 4,336 |
Noninterest expense to average assets | 2.0742% | 7,182 |
Loan and lease loss provision to assets | 0.7301% | 1,755 |
Net operating income to assets | 0.7446% | 3,372 |
Return on assets (ROA) | 0.7446% | 3,549 |
Pretax return on assets | 1.0360% | 3,221 |
Return on Equity (ROE) | 5.0994% | 4,435 |
Retained earnings to average equity (ytd only) | 3.4226% | 3,983 |
Net charge-offs to loans | 0.0136% | 5,408 |
Credit loss provision to net charge-offs | 7,664.7059% | 91 |
Earnings coverage of net charge-offs (x) | 185.4118% | 232 |
Efficiency ratio | 54.0123% | 7,221 |
Assets per employee ($millions) | 4.5808% | 2,591 |
Cash dividends to net income (ytd only)* | 32.8819% | 2,248 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6368% | 2,376 |
Loan loss allowance to noncurrent loans | 43.0691% | 5,661 |
Noncurrent assets plus other real estate owned to assets | 3.2347% | 1,708 |
Noncurrent loans to loans | 3.8005% | 1,620 |
Net loans and leases to total assets | 68.6980% | 3,976 |
Net loans and leases to deposits | 84.5556% | 3,888 |
Net loans and leases to core deposits | 100.0199% | 4,538 |
Total domestic deposits to total assets | 81.2459% | 4,871 |
Equity capital to assets | 14.4683% | 1,243 |
Core capital (leverage) ratio | 14.5137% | 1,081 |
Tier 1 risk-based capital ratio | 17.4406% | 2,205 |
Total risk-based capital ratio | 18.6924% | 2,148 |
Memoranda: | ||
Average total assets | $713,914,000 | 984 |
Average earning assets | $676,240,000 | 943 |
Average equity | $104,247,500 | 640 |
Average total loans | $499,658,500 | 1,004 |
2008-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.1067% | 5,005 |
Cost of funding earning assets | 2.1250% | 5,952 |
Net interest margin | 3.9817% | 3,210 |
Noninterest income to average assets | 0.5434% | 4,280 |
Noninterest expense to average assets | 2.0502% | 7,346 |
Loan and lease loss provision to assets | 0.3400% | 3,669 |
Net operating income to assets | 1.2915% | 1,508 |
Return on assets (ROA) | 1.2981% | 1,441 |
Pretax return on assets | 1.9160% | 740 |
Return on Equity (ROE) | 8.8783% | 2,683 |
Retained earnings to average equity (ytd only) | 5.4334% | 1,794 |
Net charge-offs to loans | 0.8957% | 1,385 |
Credit loss provision to net charge-offs | 55.4586% | 6,282 |
Earnings coverage of net charge-offs (x) | 3.6638% | 4,264 |
Efficiency ratio | 47.7169% | 7,832 |
Assets per employee ($millions) | 4.4004% | 2,792 |
Cash dividends to net income (ytd only)* | 38.8016% | 3,696 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4151% | 3,108 |
Loan loss allowance to noncurrent loans | 75.0268% | 4,324 |
Noncurrent assets plus other real estate owned to assets | 1.8795% | 2,617 |
Noncurrent loans to loans | 1.8861% | 2,930 |
Net loans and leases to total assets | 69.1477% | 4,213 |
Net loans and leases to deposits | 85.6626% | 4,166 |
Net loans and leases to core deposits | 100.6521% | 4,762 |
Total domestic deposits to total assets | 80.7210% | 4,764 |
Equity capital to assets | 14.7399% | 1,235 |
Core capital (leverage) ratio | 14.4757% | 1,148 |
Tier 1 risk-based capital ratio | 17.3121% | 2,227 |
Total risk-based capital ratio | 18.4885% | 2,198 |
Memoranda: | ||
Average total assets | $691,701,000 | 969 |
Average earning assets | $651,990,600 | 930 |
Average equity | $101,134,200 | 658 |
Average total loans | $473,501,800 | 1,020 |