Home > Baltimore County Savings Bank > Performance and Condition Ratios
Baltimore County Savings Bank, Performance and Condition Ratios
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0877% | 3,786 |
| Cost of funding earning assets | 0.7701% | 1,377 |
| Net interest margin | 3.3176% | 4,599 |
| Noninterest income to average assets | 0.3315% | 4,965 |
| Noninterest expense to average assets | 2.6541% | 4,265 |
| Loan and lease loss provision to assets | 0.0955% | 3,213 |
| Net operating income to assets | 0.4053% | 5,128 |
| Return on assets (ROA) | 0.4215% | 5,178 |
| Pretax return on assets | 0.6593% | 4,672 |
| Return on Equity (ROE) | 4.0718% | 5,075 |
| Retained earnings to average equity (ytd only) | 1.7644% | 4,974 |
| Net charge-offs to loans | 0.1440% | 3,361 |
| Credit loss provision to net charge-offs | 128.2051% | 1,835 |
| Earnings coverage of net charge-offs (x) | 9.7885% | 2,460 |
| Efficiency ratio | 78.3838% | 2,408 |
| Assets per employee ($millions) | 4.5417% | 2,835 |
| Cash dividends to net income (ytd only)* | 56.6679% | 1,930 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0734% | 5,262 |
| Loan loss allowance to noncurrent loans | 38.3615% | 5,688 |
| Noncurrent assets plus other real estate owned to assets | 1.9621% | 1,836 |
| Noncurrent loans to loans | 2.7981% | 1,266 |
| Net loans and leases to total assets | 53.0820% | 4,714 |
| Net loans and leases to deposits | 59.9526% | 4,940 |
| Net loans and leases to core deposits | 61.9199% | 5,068 |
| Total domestic deposits to total assets | 88.5399% | 1,891 |
| Equity capital to assets | 10.4719% | 3,198 |
| Core capital (leverage) ratio | 11.0310% | 2,361 |
| Tier 1 risk-based capital ratio | 18.0623% | 2,227 |
| Total risk-based capital ratio | 18.9954% | 2,299 |
| Memoranda: | ||
| Average total assets | $627,982,800 | 1,063 |
| Average earning assets | $577,710,200 | 1,058 |
| Average equity | $65,007,800 | 1,103 |
| Average total loans | $324,910,800 | 1,315 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0844% | 3,829 |
| Cost of funding earning assets | 0.7820% | 1,420 |
| Net interest margin | 3.3024% | 4,630 |
| Noninterest income to average assets | 0.3386% | 4,985 |
| Noninterest expense to average assets | 2.5517% | 4,546 |
| Loan and lease loss provision to assets | 0.1262% | 2,719 |
| Net operating income to assets | 0.4472% | 5,036 |
| Return on assets (ROA) | 0.4679% | 5,087 |
| Pretax return on assets | 0.7342% | 4,560 |
| Return on Equity (ROE) | 4.5329% | 4,967 |
| Retained earnings to average equity (ytd only) | 1.4770% | 5,393 |
| Net charge-offs to loans | 0.1981% | 2,650 |
| Credit loss provision to net charge-offs | 124.2236% | 1,896 |
| Earnings coverage of net charge-offs (x) | 8.1512% | 2,671 |
| Efficiency ratio | 75.4449% | 2,821 |
| Assets per employee ($millions) | 4.5683% | 2,771 |
| Cash dividends to net income (ytd only)* | 67.4158% | 1,173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0414% | 5,549 |
| Loan loss allowance to noncurrent loans | 40.4099% | 5,615 |
| Noncurrent assets plus other real estate owned to assets | 1.8326% | 2,223 |
| Noncurrent loans to loans | 2.5770% | 1,657 |
| Net loans and leases to total assets | 52.5581% | 4,811 |
| Net loans and leases to deposits | 59.1755% | 5,078 |
| Net loans and leases to core deposits | 61.1949% | 5,195 |
| Total domestic deposits to total assets | 88.8174% | 1,658 |
| Equity capital to assets | 10.1630% | 3,686 |
| Core capital (leverage) ratio | 10.6965% | 2,794 |
| Tier 1 risk-based capital ratio | 17.7099% | 2,434 |
| Total risk-based capital ratio | 18.6146% | 2,526 |
| Memoranda: | ||
| Average total assets | $633,967,250 | 1,065 |
| Average earning assets | $583,795,500 | 1,054 |
| Average equity | $65,446,000 | 1,108 |
| Average total loans | $325,109,000 | 1,311 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0820% | 3,811 |
| Cost of funding earning assets | 0.7905% | 1,466 |
| Net interest margin | 3.2915% | 4,618 |
| Noninterest income to average assets | 0.3589% | 4,821 |
| Noninterest expense to average assets | 2.6921% | 4,058 |
| Loan and lease loss provision to assets | 0.1876% | 2,015 |
| Net operating income to assets | 0.3377% | 5,455 |
| Return on assets (ROA) | 0.3639% | 5,525 |
| Pretax return on assets | 0.5534% | 5,188 |
| Return on Equity (ROE) | 3.5077% | 5,421 |
| Retained earnings to average equity (ytd only) | -1.0125% | 6,056 |
| Net charge-offs to loans | 0.2584% | 2,173 |
| Credit loss provision to net charge-offs | 143.1981% | 1,589 |
| Earnings coverage of net charge-offs (x) | 5.3532% | 2,909 |
| Efficiency ratio | 79.2795% | 2,263 |
| Assets per employee ($millions) | 4.1826% | 3,399 |
| Cash dividends to net income (ytd only)* | 128.8660% | 293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0739% | 5,539 |
| Loan loss allowance to noncurrent loans | 42.3011% | 5,526 |
| Noncurrent assets plus other real estate owned to assets | 1.8696% | 2,315 |
| Noncurrent loans to loans | 2.5386% | 1,818 |
| Net loans and leases to total assets | 49.7586% | 5,131 |
| Net loans and leases to deposits | 55.9155% | 5,354 |
| Net loans and leases to core deposits | 57.6562% | 5,450 |
| Total domestic deposits to total assets | 88.9888% | 1,640 |
| Equity capital to assets | 10.0487% | 3,855 |
| Core capital (leverage) ratio | 10.2498% | 3,163 |
| Tier 1 risk-based capital ratio | 17.8865% | 2,358 |
| Total risk-based capital ratio | 18.8250% | 2,454 |
| Memoranda: | ||
| Average total assets | $639,716,670 | 1,052 |
| Average earning assets | $589,753,000 | 1,048 |
| Average equity | $66,369,000 | 1,094 |
| Average total loans | $324,296,330 | 1,306 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1231% | 3,633 |
| Cost of funding earning assets | 0.8122% | 1,463 |
| Net interest margin | 3.3109% | 4,481 |
| Noninterest income to average assets | 0.3410% | 4,964 |
| Noninterest expense to average assets | 2.8144% | 3,644 |
| Loan and lease loss provision to assets | 0.2805% | 1,255 |
| Net operating income to assets | 0.2080% | 5,860 |
| Return on assets (ROA) | 0.2512% | 5,842 |
| Pretax return on assets | 0.3690% | 5,650 |
| Return on Equity (ROE) | 2.3842% | 5,819 |
| Retained earnings to average equity (ytd only) | 2.3842% | 4,835 |
| Net charge-offs to loans | 0.4838% | 1,234 |
| Credit loss provision to net charge-offs | 113.9241% | 1,656 |
| Earnings coverage of net charge-offs (x) | 2.3797% | 3,052 |
| Efficiency ratio | 82.7131% | 1,931 |
| Assets per employee ($millions) | 4.6770% | 2,689 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1197% | 5,523 |
| Loan loss allowance to noncurrent loans | 41.2911% | 5,549 |
| Noncurrent assets plus other real estate owned to assets | 1.9249% | 2,438 |
| Noncurrent loans to loans | 2.7117% | 1,887 |
| Net loans and leases to total assets | 49.3689% | 5,070 |
| Net loans and leases to deposits | 55.7865% | 5,268 |
| Net loans and leases to core deposits | 57.3308% | 5,401 |
| Total domestic deposits to total assets | 88.4962% | 2,012 |
| Equity capital to assets | 10.5677% | 3,465 |
| Core capital (leverage) ratio | 10.2119% | 3,127 |
| Tier 1 risk-based capital ratio | 18.0718% | 2,330 |
| Total risk-based capital ratio | 19.0538% | 2,405 |
| Memoranda: | ||
| Average total assets | $641,694,000 | 1,059 |
| Average earning assets | $592,957,500 | 1,050 |
| Average equity | $67,610,500 | 1,076 |
| Average total loans | $326,554,500 | 1,302 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3986% | 3,816 |
| Cost of funding earning assets | 1.0031% | 1,342 |
| Net interest margin | 3.3955% | 4,898 |
| Noninterest income to average assets | 0.3670% | 4,852 |
| Noninterest expense to average assets | 2.6752% | 4,494 |
| Loan and lease loss provision to assets | 0.2187% | 2,947 |
| Net operating income to assets | 0.4189% | 5,013 |
| Return on assets (ROA) | 0.3917% | 5,372 |
| Pretax return on assets | 0.5806% | 5,049 |
| Return on Equity (ROE) | 3.8254% | 5,217 |
| Retained earnings to average equity (ytd only) | 3.8254% | 3,510 |
| Net charge-offs to loans | 0.2822% | 3,249 |
| Credit loss provision to net charge-offs | 143.4426% | 1,901 |
| Earnings coverage of net charge-offs (x) | 5.5082% | 3,016 |
| Efficiency ratio | 76.0523% | 2,733 |
| Assets per employee ($millions) | 4.6233% | 2,743 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0624% | 5,710 |
| Loan loss allowance to noncurrent loans | 37.8165% | 5,730 |
| Noncurrent assets plus other real estate owned to assets | 1.9812% | 2,475 |
| Noncurrent loans to loans | 2.8094% | 1,876 |
| Net loans and leases to total assets | 51.2972% | 4,998 |
| Net loans and leases to deposits | 57.9227% | 5,245 |
| Net loans and leases to core deposits | 59.5133% | 5,411 |
| Total domestic deposits to total assets | 88.5616% | 1,861 |
| Equity capital to assets | 10.5049% | 3,526 |
| Core capital (leverage) ratio | 10.0647% | 3,318 |
| Tier 1 risk-based capital ratio | 17.3392% | 2,508 |
| Total risk-based capital ratio | 18.2843% | 2,602 |
| Memoranda: | ||
| Average total assets | $640,065,600 | 1,032 |
| Average earning assets | $593,437,800 | 1,019 |
| Average equity | $65,535,800 | 1,078 |
| Average total loans | $345,843,200 | 1,219 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3619% | 4,197 |
| Cost of funding earning assets | 1.0357% | 1,366 |
| Net interest margin | 3.3262% | 5,291 |
| Noninterest income to average assets | 0.3891% | 4,719 |
| Noninterest expense to average assets | 2.7057% | 4,344 |
| Loan and lease loss provision to assets | 0.1877% | 3,243 |
| Net operating income to assets | 0.4072% | 5,217 |
| Return on assets (ROA) | 0.3639% | 5,594 |
| Pretax return on assets | 0.5209% | 5,404 |
| Return on Equity (ROE) | 3.5771% | 5,466 |
| Retained earnings to average equity (ytd only) | 3.5771% | 4,358 |
| Net charge-offs to loans | 0.1891% | 3,605 |
| Credit loss provision to net charge-offs | 181.8182% | 1,528 |
| Earnings coverage of net charge-offs (x) | 7.4647% | 2,600 |
| Efficiency ratio | 77.7818% | 2,422 |
| Assets per employee ($millions) | 4.7639% | 2,510 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0671% | 5,836 |
| Loan loss allowance to noncurrent loans | 27.5390% | 6,235 |
| Noncurrent assets plus other real estate owned to assets | 2.3042% | 2,310 |
| Noncurrent loans to loans | 3.8749% | 1,339 |
| Net loans and leases to total assets | 52.1845% | 5,020 |
| Net loans and leases to deposits | 58.8545% | 5,335 |
| Net loans and leases to core deposits | 60.3354% | 5,520 |
| Total domestic deposits to total assets | 88.6669% | 1,615 |
| Equity capital to assets | 10.4350% | 3,918 |
| Core capital (leverage) ratio | 10.1884% | 3,298 |
| Tier 1 risk-based capital ratio | 16.8636% | 2,801 |
| Total risk-based capital ratio | 17.7986% | 2,942 |
| Memoranda: | ||
| Average total assets | $639,421,750 | 1,040 |
| Average earning assets | $593,460,750 | 1,022 |
| Average equity | $65,042,500 | 1,093 |
| Average total loans | $349,004,750 | 1,206 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3692% | 4,309 |
| Cost of funding earning assets | 1.0563% | 1,429 |
| Net interest margin | 3.3130% | 5,408 |
| Noninterest income to average assets | 0.4237% | 4,469 |
| Noninterest expense to average assets | 2.7039% | 4,401 |
| Loan and lease loss provision to assets | 0.1880% | 3,220 |
| Net operating income to assets | 0.4351% | 5,094 |
| Return on assets (ROA) | 0.3920% | 5,480 |
| Pretax return on assets | 0.5475% | 5,317 |
| Return on Equity (ROE) | 3.8879% | 5,320 |
| Retained earnings to average equity (ytd only) | 3.8879% | 4,031 |
| Net charge-offs to loans | 0.2356% | 3,157 |
| Credit loss provision to net charge-offs | 144.5783% | 1,918 |
| Earnings coverage of net charge-offs (x) | 6.1157% | 2,694 |
| Efficiency ratio | 77.2166% | 2,563 |
| Assets per employee ($millions) | 4.5433% | 2,824 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0798% | 5,862 |
| Loan loss allowance to noncurrent loans | 19.1251% | 6,543 |
| Noncurrent assets plus other real estate owned to assets | 3.2605% | 1,663 |
| Noncurrent loans to loans | 5.6458% | 817 |
| Net loans and leases to total assets | 53.1430% | 4,941 |
| Net loans and leases to deposits | 59.7287% | 5,263 |
| Net loans and leases to core deposits | 61.2112% | 5,470 |
| Total domestic deposits to total assets | 88.9740% | 1,520 |
| Equity capital to assets | 10.1430% | 4,132 |
| Core capital (leverage) ratio | 10.1774% | 3,166 |
| Tier 1 risk-based capital ratio | 16.8010% | 2,762 |
| Total risk-based capital ratio | 17.7664% | 2,868 |
| Memoranda: | ||
| Average total assets | $638,185,000 | 1,041 |
| Average earning assets | $592,459,670 | 1,019 |
| Average equity | $64,353,000 | 1,097 |
| Average total loans | $352,261,330 | 1,189 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4143% | 4,271 |
| Cost of funding earning assets | 1.0851% | 1,475 |
| Net interest margin | 3.3291% | 5,367 |
| Noninterest income to average assets | 0.5256% | 3,735 |
| Noninterest expense to average assets | 2.8459% | 3,840 |
| Loan and lease loss provision to assets | 0.1884% | 3,076 |
| Net operating income to assets | 0.4452% | 5,057 |
| Return on assets (ROA) | 0.4628% | 5,185 |
| Pretax return on assets | 0.6066% | 5,092 |
| Return on Equity (ROE) | 4.6033% | 4,984 |
| Retained earnings to average equity (ytd only) | 4.6033% | 3,812 |
| Net charge-offs to loans | -0.0157% | 6,101 |
| Credit loss provision to net charge-offs | -2,142.8571% | 6,067 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6148% | 2,413 |
| Assets per employee ($millions) | 4.4707% | 3,049 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2267% | 5,371 |
| Loan loss allowance to noncurrent loans | 21.9399% | 6,495 |
| Noncurrent assets plus other real estate owned to assets | 3.2177% | 1,797 |
| Noncurrent loans to loans | 5.5910% | 947 |
| Net loans and leases to total assets | 54.9724% | 4,558 |
| Net loans and leases to deposits | 61.7755% | 4,951 |
| Net loans and leases to core deposits | 63.3173% | 5,196 |
| Total domestic deposits to total assets | 88.9873% | 1,699 |
| Equity capital to assets | 10.1802% | 3,876 |
| Core capital (leverage) ratio | 10.1514% | 3,174 |
| Tier 1 risk-based capital ratio | 16.4800% | 2,918 |
| Total risk-based capital ratio | 17.5954% | 2,950 |
| Memoranda: | ||
| Average total assets | $636,976,500 | 1,039 |
| Average earning assets | $591,624,500 | 1,020 |
| Average equity | $64,041,500 | 1,100 |
| Average total loans | $356,316,500 | 1,178 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6272% | 4,558 |
| Cost of funding earning assets | 1.3047% | 1,462 |
| Net interest margin | 3.3225% | 5,747 |
| Noninterest income to average assets | 0.2331% | 5,872 |
| Noninterest expense to average assets | 2.7706% | 4,471 |
| Loan and lease loss provision to assets | 0.2560% | 3,645 |
| Net operating income to assets | 0.1971% | 5,600 |
| Return on assets (ROA) | 0.1786% | 5,789 |
| Pretax return on assets | 0.2707% | 5,634 |
| Return on Equity (ROE) | 1.7545% | 5,748 |
| Retained earnings to average equity (ytd only) | -8.0588% | 6,628 |
| Net charge-offs to loans | 0.8842% | 1,970 |
| Credit loss provision to net charge-offs | 48.6027% | 5,456 |
| Earnings coverage of net charge-offs (x) | 1.0535% | 4,999 |
| Efficiency ratio | 83.2042% | 1,860 |
| Assets per employee ($millions) | 4.4383% | 3,007 |
| Cash dividends to net income (ytd only)* | 559.3190% | 17 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1241% | 5,719 |
| Loan loss allowance to noncurrent loans | 25.2469% | 6,423 |
| Noncurrent assets plus other real estate owned to assets | 2.7025% | 2,250 |
| Noncurrent loans to loans | 4.4524% | 1,343 |
| Net loans and leases to total assets | 55.5885% | 4,781 |
| Net loans and leases to deposits | 63.1042% | 5,112 |
| Net loans and leases to core deposits | 64.7384% | 5,393 |
| Total domestic deposits to total assets | 88.0901% | 2,096 |
| Equity capital to assets | 9.9286% | 4,255 |
| Core capital (leverage) ratio | 10.1273% | 3,196 |
| Tier 1 risk-based capital ratio | 16.2340% | 2,937 |
| Total risk-based capital ratio | 17.2718% | 2,988 |
| Memoranda: | ||
| Average total assets | $625,016,600 | 1,040 |
| Average earning assets | $581,728,800 | 1,016 |
| Average equity | $63,607,800 | 1,060 |
| Average total loans | $372,326,200 | 1,140 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6529% | 4,667 |
| Cost of funding earning assets | 1.3365% | 1,523 |
| Net interest margin | 3.3165% | 5,816 |
| Noninterest income to average assets | 0.2323% | 5,957 |
| Noninterest expense to average assets | 2.8202% | 4,269 |
| Loan and lease loss provision to assets | 0.2789% | 3,288 |
| Net operating income to assets | 0.1509% | 5,833 |
| Return on assets (ROA) | 0.1120% | 6,051 |
| Pretax return on assets | 0.1652% | 5,965 |
| Return on Equity (ROE) | 1.0935% | 6,051 |
| Retained earnings to average equity (ytd only) | -11.9827% | 6,919 |
| Net charge-offs to loans | 0.6259% | 2,374 |
| Credit loss provision to net charge-offs | 73.7379% | 4,360 |
| Earnings coverage of net charge-offs (x) | 1.3256% | 4,623 |
| Efficiency ratio | 84.7898% | 1,652 |
| Assets per employee ($millions) | 4.2794% | 3,313 |
| Cash dividends to net income (ytd only)* | 1,195.7901% | 10 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9650% | 6,402 |
| Loan loss allowance to noncurrent loans | 21.5389% | 6,632 |
| Noncurrent assets plus other real estate owned to assets | 3.1334% | 2,039 |
| Noncurrent loans to loans | 4.4801% | 1,436 |
| Net loans and leases to total assets | 58.7982% | 4,356 |
| Net loans and leases to deposits | 66.0297% | 4,902 |
| Net loans and leases to core deposits | 67.3179% | 5,264 |
| Total domestic deposits to total assets | 89.0482% | 1,407 |
| Equity capital to assets | 10.1670% | 4,136 |
| Core capital (leverage) ratio | 10.0750% | 3,342 |
| Tier 1 risk-based capital ratio | 15.5537% | 3,353 |
| Total risk-based capital ratio | 16.4390% | 3,519 |
| Memoranda: | ||
| Average total assets | $621,492,250 | 1,057 |
| Average earning assets | $578,917,500 | 1,028 |
| Average equity | $63,646,000 | 1,066 |
| Average total loans | $375,579,500 | 1,145 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6887% | 4,578 |
| Cost of funding earning assets | 1.3481% | 1,661 |
| Net interest margin | 3.3406% | 5,738 |
| Noninterest income to average assets | 0.2309% | 6,001 |
| Noninterest expense to average assets | 2.8931% | 4,045 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.2865% | 5,421 |
| Return on assets (ROA) | 0.2731% | 5,599 |
| Pretax return on assets | 0.4278% | 5,305 |
| Return on Equity (ROE) | 2.6601% | 5,538 |
| Retained earnings to average equity (ytd only) | -16.8975% | 7,088 |
| Net charge-offs to loans | 0.4826% | 2,653 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 1.5296% | 4,146 |
| Efficiency ratio | 86.4581% | 1,548 |
| Assets per employee ($millions) | 4.1408% | 3,466 |
| Cash dividends to net income (ytd only)* | 735.2179% | 14 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8455% | 6,785 |
| Loan loss allowance to noncurrent loans | 27.2528% | 6,414 |
| Noncurrent assets plus other real estate owned to assets | 2.2771% | 2,883 |
| Noncurrent loans to loans | 3.1024% | 2,324 |
| Net loans and leases to total assets | 58.2562% | 4,583 |
| Net loans and leases to deposits | 65.2310% | 5,111 |
| Net loans and leases to core deposits | 66.4892% | 5,449 |
| Total domestic deposits to total assets | 89.3076% | 1,353 |
| Equity capital to assets | 9.9877% | 4,166 |
| Core capital (leverage) ratio | 10.0103% | 3,248 |
| Tier 1 risk-based capital ratio | 15.7401% | 3,109 |
| Total risk-based capital ratio | 16.5210% | 3,322 |
| Memoranda: | ||
| Average total assets | $621,817,330 | 1,067 |
| Average earning assets | $579,049,000 | 1,033 |
| Average equity | $63,832,000 | 1,059 |
| Average total loans | $377,970,000 | 1,157 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6462% | 4,752 |
| Cost of funding earning assets | 1.3701% | 1,767 |
| Net interest margin | 3.2761% | 5,857 |
| Noninterest income to average assets | 0.2896% | 5,595 |
| Noninterest expense to average assets | 3.0176% | 3,567 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.2252% | 5,702 |
| Return on assets (ROA) | 0.2413% | 5,708 |
| Pretax return on assets | 0.3393% | 5,536 |
| Return on Equity (ROE) | 2.3185% | 5,677 |
| Retained earnings to average equity (ytd only) | -31.7776% | 7,305 |
| Net charge-offs to loans | 0.4508% | 2,348 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 1.1366% | 3,812 |
| Efficiency ratio | 90.3850% | 1,303 |
| Assets per employee ($millions) | 4.1094% | 3,618 |
| Cash dividends to net income (ytd only)* | 1,470.5882% | 13 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9502% | 6,544 |
| Loan loss allowance to noncurrent loans | 45.1808% | 5,295 |
| Noncurrent assets plus other real estate owned to assets | 1.6304% | 3,803 |
| Noncurrent loans to loans | 2.1030% | 3,441 |
| Net loans and leases to total assets | 60.2448% | 4,217 |
| Net loans and leases to deposits | 68.3371% | 4,630 |
| Net loans and leases to core deposits | 69.9937% | 5,040 |
| Total domestic deposits to total assets | 88.1583% | 2,286 |
| Equity capital to assets | 10.0009% | 3,771 |
| Core capital (leverage) ratio | 10.0964% | 3,042 |
| Tier 1 risk-based capital ratio | 15.2221% | 3,307 |
| Total risk-based capital ratio | 16.0925% | 3,475 |
| Memoranda: | ||
| Average total assets | $620,097,500 | 1,076 |
| Average earning assets | $576,299,000 | 1,052 |
| Average equity | $64,523,500 | 1,040 |
| Average total loans | $383,276,500 | 1,146 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0425% | 4,355 |
| Cost of funding earning assets | 1.6258% | 1,925 |
| Net interest margin | 3.4167% | 5,566 |
| Noninterest income to average assets | 0.4063% | 4,860 |
| Noninterest expense to average assets | 2.7558% | 4,763 |
| Loan and lease loss provision to assets | 0.5934% | 2,766 |
| Net operating income to assets | 0.1774% | 5,350 |
| Return on assets (ROA) | 0.1630% | 5,557 |
| Pretax return on assets | 0.2088% | 5,469 |
| Return on Equity (ROE) | 1.4960% | 5,562 |
| Retained earnings to average equity (ytd only) | 1.4960% | 4,783 |
| Net charge-offs to loans | 0.7209% | 2,853 |
| Credit loss provision to net charge-offs | 126.0063% | 3,221 |
| Earnings coverage of net charge-offs (x) | 1.7427% | 4,411 |
| Efficiency ratio | 76.9426% | 2,884 |
| Assets per employee ($millions) | 4.1589% | 3,461 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0325% | 6,228 |
| Loan loss allowance to noncurrent loans | 39.6722% | 5,657 |
| Noncurrent assets plus other real estate owned to assets | 1.6344% | 3,851 |
| Noncurrent loans to loans | 2.6027% | 2,926 |
| Net loans and leases to total assets | 62.1483% | 4,255 |
| Net loans and leases to deposits | 70.2322% | 4,787 |
| Net loans and leases to core deposits | 71.8145% | 5,233 |
| Total domestic deposits to total assets | 88.4897% | 1,950 |
| Equity capital to assets | 10.8104% | 2,849 |
| Core capital (leverage) ratio | 10.9119% | 2,220 |
| Tier 1 risk-based capital ratio | 17.2354% | 2,252 |
| Total risk-based capital ratio | 18.2584% | 2,308 |
| Memoranda: | ||
| Average total assets | $606,673,400 | 1,101 |
| Average earning assets | $562,916,400 | 1,076 |
| Average equity | $66,110,600 | 1,013 |
| Average total loans | $396,318,200 | 1,138 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1396% | 4,125 |
| Cost of funding earning assets | 1.6527% | 2,090 |
| Net interest margin | 3.4869% | 5,350 |
| Noninterest income to average assets | 0.3999% | 4,956 |
| Noninterest expense to average assets | 2.7231% | 4,784 |
| Loan and lease loss provision to assets | 0.6187% | 2,466 |
| Net operating income to assets | 0.2156% | 5,463 |
| Return on assets (ROA) | 0.1830% | 5,723 |
| Pretax return on assets | 0.2435% | 5,628 |
| Return on Equity (ROE) | 1.6755% | 5,712 |
| Retained earnings to average equity (ytd only) | 1.6755% | 5,119 |
| Net charge-offs to loans | 0.6755% | 2,737 |
| Credit loss provision to net charge-offs | 138.8200% | 2,872 |
| Earnings coverage of net charge-offs (x) | 2.0322% | 4,199 |
| Efficiency ratio | 74.9315% | 3,157 |
| Assets per employee ($millions) | 4.3420% | 3,183 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0348% | 6,240 |
| Loan loss allowance to noncurrent loans | 39.4803% | 5,668 |
| Noncurrent assets plus other real estate owned to assets | 1.6667% | 3,947 |
| Noncurrent loans to loans | 2.6211% | 3,001 |
| Net loans and leases to total assets | 62.9292% | 4,342 |
| Net loans and leases to deposits | 71.4768% | 4,917 |
| Net loans and leases to core deposits | 73.3756% | 5,369 |
| Total domestic deposits to total assets | 88.0415% | 1,933 |
| Equity capital to assets | 10.8912% | 3,064 |
| Core capital (leverage) ratio | 10.9388% | 2,305 |
| Tier 1 risk-based capital ratio | 16.9756% | 2,347 |
| Total risk-based capital ratio | 17.9962% | 2,403 |
| Memoranda: | ||
| Average total assets | $603,421,250 | 1,115 |
| Average earning assets | $558,760,750 | 1,087 |
| Average equity | $65,890,750 | 1,016 |
| Average total loans | $398,112,750 | 1,143 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1716% | 4,087 |
| Cost of funding earning assets | 1.6545% | 2,364 |
| Net interest margin | 3.5171% | 5,179 |
| Noninterest income to average assets | 0.3779% | 5,103 |
| Noninterest expense to average assets | 2.7367% | 4,751 |
| Loan and lease loss provision to assets | 0.8347% | 1,742 |
| Net operating income to assets | 0.0905% | 5,891 |
| Return on assets (ROA) | 0.0571% | 6,075 |
| Pretax return on assets | 0.0357% | 6,093 |
| Return on Equity (ROE) | 0.5224% | 6,076 |
| Retained earnings to average equity (ytd only) | 0.5224% | 5,552 |
| Net charge-offs to loans | 1.0317% | 1,811 |
| Credit loss provision to net charge-offs | 121.1240% | 3,344 |
| Earnings coverage of net charge-offs (x) | 1.3115% | 4,516 |
| Efficiency ratio | 75.0642% | 3,250 |
| Assets per employee ($millions) | 4.1775% | 3,433 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9282% | 6,667 |
| Loan loss allowance to noncurrent loans | 34.4536% | 6,071 |
| Noncurrent assets plus other real estate owned to assets | 1.7421% | 3,831 |
| Noncurrent loans to loans | 2.6941% | 2,956 |
| Net loans and leases to total assets | 64.0651% | 4,253 |
| Net loans and leases to deposits | 72.2977% | 4,945 |
| Net loans and leases to core deposits | 74.1310% | 5,428 |
| Total domestic deposits to total assets | 88.6129% | 1,669 |
| Equity capital to assets | 10.7497% | 3,126 |
| Core capital (leverage) ratio | 10.7941% | 2,399 |
| Tier 1 risk-based capital ratio | 17.5973% | 2,079 |
| Total risk-based capital ratio | 18.5753% | 2,124 |
| Memoranda: | ||
| Average total assets | $599,040,330 | 1,131 |
| Average earning assets | $555,687,000 | 1,097 |
| Average equity | $65,470,670 | 1,016 |
| Average total loans | $400,131,670 | 1,153 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3099% | 3,498 |
| Cost of funding earning assets | 1.6668% | 2,556 |
| Net interest margin | 3.6431% | 4,526 |
| Noninterest income to average assets | 0.4079% | 4,845 |
| Noninterest expense to average assets | 2.8808% | 4,133 |
| Loan and lease loss provision to assets | 1.4930% | 782 |
| Net operating income to assets | -0.3095% | 6,679 |
| Return on assets (ROA) | -0.3529% | 6,763 |
| Pretax return on assets | -0.6461% | 6,867 |
| Return on Equity (ROE) | -3.2012% | 6,760 |
| Retained earnings to average equity (ytd only) | -3.2012% | 6,396 |
| Net charge-offs to loans | 2.2114% | 771 |
| Credit loss provision to net charge-offs | 99.4126% | 3,464 |
| Earnings coverage of net charge-offs (x) | 0.6091% | 4,480 |
| Efficiency ratio | 75.7912% | 3,253 |
| Assets per employee ($millions) | 4.1170% | 3,622 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8157% | 7,087 |
| Loan loss allowance to noncurrent loans | 84.4640% | 3,245 |
| Noncurrent assets plus other real estate owned to assets | 0.6469% | 5,905 |
| Noncurrent loans to loans | 0.9658% | 5,405 |
| Net loans and leases to total assets | 66.4402% | 3,761 |
| Net loans and leases to deposits | 75.0923% | 4,562 |
| Net loans and leases to core deposits | 77.0810% | 5,125 |
| Total domestic deposits to total assets | 88.4780% | 1,806 |
| Equity capital to assets | 10.8516% | 2,895 |
| Core capital (leverage) ratio | 11.0375% | 2,209 |
| Tier 1 risk-based capital ratio | 17.2365% | 2,180 |
| Total risk-based capital ratio | 18.0881% | 2,281 |
| Memoranda: | ||
| Average total assets | $589,426,500 | 1,178 |
| Average earning assets | $548,108,000 | 1,142 |
| Average equity | $64,975,000 | 1,028 |
| Average total loans | $400,295,000 | 1,184 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5763% | 3,721 |
| Cost of funding earning assets | 2.1772% | 2,128 |
| Net interest margin | 3.3992% | 5,372 |
| Noninterest income to average assets | 0.3988% | 5,213 |
| Noninterest expense to average assets | 3.2791% | 3,083 |
| Loan and lease loss provision to assets | 0.2600% | 5,325 |
| Net operating income to assets | -0.0795% | 5,639 |
| Return on assets (ROA) | -0.1560% | 5,769 |
| Pretax return on assets | -0.0674% | 5,554 |
| Return on Equity (ROE) | -1.4031% | 5,756 |
| Retained earnings to average equity (ytd only) | -1.4031% | 5,369 |
| Net charge-offs to loans | 0.0369% | 6,751 |
| Credit loss provision to net charge-offs | 1,013.5135% | 288 |
| Earnings coverage of net charge-offs (x) | 10.4865% | 1,681 |
| Efficiency ratio | 81.0433% | 2,741 |
| Assets per employee ($millions) | 3.8793% | 4,076 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8173% | 7,079 |
| Loan loss allowance to noncurrent loans | 52.6443% | 4,845 |
| Noncurrent assets plus other real estate owned to assets | 1.0691% | 4,956 |
| Noncurrent loans to loans | 1.5525% | 4,322 |
| Net loans and leases to total assets | 68.2998% | 3,637 |
| Net loans and leases to deposits | 77.5552% | 4,464 |
| Net loans and leases to core deposits | 92.2782% | 4,852 |
| Total domestic deposits to total assets | 88.0660% | 1,945 |
| Equity capital to assets | 11.1997% | 2,532 |
| Core capital (leverage) ratio | 11.4017% | 1,970 |
| Tier 1 risk-based capital ratio | 17.5310% | 2,014 |
| Total risk-based capital ratio | 18.3945% | 2,072 |
| Memoranda: | ||
| Average total assets | $577,021,400 | 1,204 |
| Average earning assets | $534,597,800 | 1,187 |
| Average equity | $64,143,400 | 1,029 |
| Average total loans | $400,596,200 | 1,198 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5888% | 3,931 |
| Cost of funding earning assets | 2.3089% | 1,947 |
| Net interest margin | 3.2799% | 5,714 |
| Noninterest income to average assets | 0.3846% | 5,441 |
| Noninterest expense to average assets | 3.4013% | 2,574 |
| Loan and lease loss provision to assets | 0.2779% | 4,752 |
| Net operating income to assets | -0.2816% | 6,176 |
| Return on assets (ROA) | -0.3897% | 6,302 |
| Pretax return on assets | -0.3679% | 6,159 |
| Return on Equity (ROE) | -3.5124% | 6,299 |
| Retained earnings to average equity (ytd only) | -3.5124% | 6,035 |
| Net charge-offs to loans | 0.0529% | 6,179 |
| Credit loss provision to net charge-offs | 754.7170% | 505 |
| Earnings coverage of net charge-offs (x) | 0.4906% | 5,542 |
| Efficiency ratio | 83.7543% | 2,324 |
| Assets per employee ($millions) | 3.9546% | 3,818 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7617% | 7,226 |
| Loan loss allowance to noncurrent loans | 41.4378% | 5,565 |
| Noncurrent assets plus other real estate owned to assets | 1.4265% | 4,251 |
| Noncurrent loans to loans | 1.8382% | 3,855 |
| Net loans and leases to total assets | 70.9108% | 3,290 |
| Net loans and leases to deposits | 80.5880% | 4,283 |
| Net loans and leases to core deposits | 95.9962% | 4,812 |
| Total domestic deposits to total assets | 87.9917% | 1,658 |
| Equity capital to assets | 11.3085% | 2,741 |
| Core capital (leverage) ratio | 11.5761% | 2,029 |
| Tier 1 risk-based capital ratio | 16.8786% | 2,313 |
| Total risk-based capital ratio | 17.6698% | 2,402 |
| Memoranda: | ||
| Average total assets | $575,803,750 | 1,214 |
| Average earning assets | $532,763,750 | 1,204 |
| Average equity | $63,886,750 | 1,050 |
| Average total loans | $400,568,750 | 1,220 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5814% | 4,167 |
| Cost of funding earning assets | 2.4153% | 1,903 |
| Net interest margin | 3.1661% | 6,039 |
| Noninterest income to average assets | 0.3539% | 5,669 |
| Noninterest expense to average assets | 2.8821% | 4,572 |
| Loan and lease loss provision to assets | 0.2590% | 4,507 |
| Net operating income to assets | 0.1276% | 5,483 |
| Return on assets (ROA) | 0.0180% | 5,866 |
| Pretax return on assets | -0.0345% | 5,914 |
| Return on Equity (ROE) | 0.1628% | 5,869 |
| Retained earnings to average equity (ytd only) | 0.1628% | 5,145 |
| Net charge-offs to loans | 0.0616% | 5,634 |
| Credit loss provision to net charge-offs | 609.7561% | 757 |
| Earnings coverage of net charge-offs (x) | 9.3171% | 2,146 |
| Efficiency ratio | 87.7383% | 2,046 |
| Assets per employee ($millions) | 3.7619% | 4,189 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7136% | 7,387 |
| Loan loss allowance to noncurrent loans | 161.7946% | 1,833 |
| Noncurrent assets plus other real estate owned to assets | 0.4189% | 6,420 |
| Noncurrent loans to loans | 0.4411% | 6,418 |
| Net loans and leases to total assets | 69.3008% | 3,879 |
| Net loans and leases to deposits | 78.5708% | 4,772 |
| Net loans and leases to core deposits | 94.5759% | 5,052 |
| Total domestic deposits to total assets | 88.2017% | 1,666 |
| Equity capital to assets | 11.1369% | 2,803 |
| Core capital (leverage) ratio | 11.2014% | 2,260 |
| Tier 1 risk-based capital ratio | 16.7389% | 2,387 |
| Total risk-based capital ratio | 17.4827% | 2,485 |
| Memoranda: | ||
| Average total assets | $579,237,670 | 1,225 |
| Average earning assets | $534,920,330 | 1,208 |
| Average equity | $63,865,670 | 1,062 |
| Average total loans | $399,398,330 | 1,243 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5978% | 4,367 |
| Cost of funding earning assets | 2.4921% | 1,946 |
| Net interest margin | 3.1057% | 6,181 |
| Noninterest income to average assets | 0.2905% | 6,114 |
| Noninterest expense to average assets | 2.7714% | 4,693 |
| Loan and lease loss provision to assets | 0.1033% | 5,647 |
| Net operating income to assets | 0.2060% | 5,641 |
| Return on assets (ROA) | 0.2065% | 5,803 |
| Pretax return on assets | 0.2877% | 5,706 |
| Return on Equity (ROE) | 1.8824% | 5,816 |
| Retained earnings to average equity (ytd only) | 1.8824% | 4,808 |
| Net charge-offs to loans | 0.0050% | 5,631 |
| Credit loss provision to net charge-offs | 3,000.0000% | 208 |
| Earnings coverage of net charge-offs (x) | 113.4000% | 382 |
| Efficiency ratio | 87.4592% | 1,938 |
| Assets per employee ($millions) | 4.0221% | 3,619 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6306% | 7,609 |
| Loan loss allowance to noncurrent loans | 138.2709% | 2,314 |
| Noncurrent assets plus other real estate owned to assets | 0.3093% | 6,592 |
| Noncurrent loans to loans | 0.4561% | 6,279 |
| Net loans and leases to total assets | 67.3780% | 4,274 |
| Net loans and leases to deposits | 77.6624% | 4,980 |
| Net loans and leases to core deposits | 93.8699% | 5,167 |
| Total domestic deposits to total assets | 86.7575% | 2,334 |
| Equity capital to assets | 10.9219% | 3,041 |
| Core capital (leverage) ratio | 10.9689% | 2,524 |
| Tier 1 risk-based capital ratio | 17.6427% | 2,142 |
| Total risk-based capital ratio | 18.3271% | 2,251 |
| Memoranda: | ||
| Average total assets | $581,074,000 | 1,226 |
| Average earning assets | $537,211,500 | 1,208 |
| Average equity | $63,748,500 | 1,069 |
| Average total loans | $398,228,500 | 1,259 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9821% | 5,634 |
| Cost of funding earning assets | 2.9903% | 1,899 |
| Net interest margin | 2.9918% | 6,936 |
| Noninterest income to average assets | 0.3321% | 6,075 |
| Noninterest expense to average assets | 2.4680% | 6,138 |
| Loan and lease loss provision to assets | 0.0862% | 6,305 |
| Net operating income to assets | 0.3529% | 5,342 |
| Return on assets (ROA) | 0.3500% | 5,165 |
| Pretax return on assets | 0.5355% | 4,896 |
| Return on Equity (ROE) | 3.6130% | 4,990 |
| Retained earnings to average equity (ytd only) | 3.6130% | 2,899 |
| Net charge-offs to loans | 0.0754% | 5,683 |
| Credit loss provision to net charge-offs | 166.6667% | 3,080 |
| Earnings coverage of net charge-offs (x) | 12.1046% | 2,289 |
| Efficiency ratio | 79.5313% | 2,665 |
| Assets per employee ($millions) | 3.8328% | 3,896 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6292% | 7,614 |
| Loan loss allowance to noncurrent loans | 198.2595% | 1,958 |
| Noncurrent assets plus other real estate owned to assets | 0.2199% | 6,693 |
| Noncurrent loans to loans | 0.3174% | 6,422 |
| Net loans and leases to total assets | 68.8405% | 4,292 |
| Net loans and leases to deposits | 79.8445% | 5,072 |
| Net loans and leases to core deposits | 96.5468% | 5,201 |
| Total domestic deposits to total assets | 86.2182% | 2,305 |
| Equity capital to assets | 11.0207% | 3,025 |
| Core capital (leverage) ratio | 11.1308% | 2,486 |
| Tier 1 risk-based capital ratio | 17.7233% | 2,111 |
| Total risk-based capital ratio | 18.4132% | 2,214 |
| Memoranda: | ||
| Average total assets | $591,644,000 | 1,138 |
| Average earning assets | $546,195,200 | 1,133 |
| Average equity | $57,320,800 | 1,168 |
| Average total loans | $405,876,000 | 1,193 |