Home > Bank of Chickamauga > Performance and Condition Ratios
Bank of Chickamauga, Performance and Condition Ratios
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5935% | 5,417 |
| Cost of funding earning assets | 0.3534% | 5,101 |
| Net interest margin | 3.2401% | 4,860 |
| Noninterest income to average assets | 0.9774% | 1,447 |
| Noninterest expense to average assets | 4.0710% | 804 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | -0.4837% | 6,489 |
| Return on assets (ROA) | -0.4818% | 6,494 |
| Pretax return on assets | -0.4818% | 6,477 |
| Return on Equity (ROE) | -4.7749% | 6,481 |
| Retained earnings to average equity (ytd only) | -4.7749% | 6,355 |
| Net charge-offs to loans | 0.1345% | 3,455 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | -9.3462% | 5,420 |
| Efficiency ratio | 112.8746% | 236 |
| Assets per employee ($millions) | 3.4645% | 4,970 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2966% | 4,160 |
| Loan loss allowance to noncurrent loans | 46.7583% | 5,398 |
| Noncurrent assets plus other real estate owned to assets | 1.2412% | 2,935 |
| Noncurrent loans to loans | 2.7729% | 1,282 |
| Net loans and leases to total assets | 37.3544% | 6,137 |
| Net loans and leases to deposits | 41.8478% | 6,234 |
| Net loans and leases to core deposits | 42.9499% | 6,270 |
| Total domestic deposits to total assets | 89.2625% | 1,451 |
| Equity capital to assets | 9.9581% | 3,830 |
| Core capital (leverage) ratio | 9.5459% | 4,194 |
| Tier 1 risk-based capital ratio | 19.4163% | 1,818 |
| Total risk-based capital ratio | 20.4129% | 1,836 |
| Memoranda: | ||
| Average total assets | $50,233,400 | 6,011 |
| Average earning assets | $40,461,400 | 6,157 |
| Average equity | $5,068,200 | 6,046 |
| Average total loans | $19,325,000 | 6,236 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5845% | 5,485 |
| Cost of funding earning assets | 0.3761% | 5,037 |
| Net interest margin | 3.2084% | 4,969 |
| Noninterest income to average assets | 0.9368% | 1,646 |
| Noninterest expense to average assets | 3.9763% | 880 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | -0.4579% | 6,582 |
| Return on assets (ROA) | -0.4579% | 6,596 |
| Pretax return on assets | -0.4579% | 6,582 |
| Return on Equity (ROE) | -4.5242% | 6,587 |
| Retained earnings to average equity (ytd only) | -4.5242% | 6,470 |
| Net charge-offs to loans | 0.0341% | 4,451 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | -34.7811% | 5,193 |
| Efficiency ratio | 112.4159% | 233 |
| Assets per employee ($millions) | 3.0924% | 5,690 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2735% | 4,523 |
| Loan loss allowance to noncurrent loans | 48.5019% | 5,287 |
| Noncurrent assets plus other real estate owned to assets | 1.2127% | 3,219 |
| Noncurrent loans to loans | 2.6256% | 1,614 |
| Net loans and leases to total assets | 40.5817% | 5,991 |
| Net loans and leases to deposits | 45.3855% | 6,134 |
| Net loans and leases to core deposits | 46.5546% | 6,190 |
| Total domestic deposits to total assets | 89.4155% | 1,346 |
| Equity capital to assets | 9.9357% | 3,995 |
| Core capital (leverage) ratio | 9.3808% | 4,558 |
| Tier 1 risk-based capital ratio | 18.0544% | 2,303 |
| Total risk-based capital ratio | 19.0491% | 2,372 |
| Memoranda: | ||
| Average total assets | $50,666,000 | 6,070 |
| Average earning assets | $40,767,000 | 6,217 |
| Average equity | $5,127,750 | 6,106 |
| Average total loans | $19,567,250 | 6,292 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5543% | 5,582 |
| Cost of funding earning assets | 0.3960% | 4,983 |
| Net interest margin | 3.1583% | 5,094 |
| Noninterest income to average assets | 0.8460% | 2,013 |
| Noninterest expense to average assets | 3.8855% | 996 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | -0.5092% | 6,635 |
| Return on assets (ROA) | -0.5092% | 6,652 |
| Pretax return on assets | -0.5092% | 6,633 |
| Return on Equity (ROE) | -5.0016% | 6,642 |
| Retained earnings to average equity (ytd only) | -5.0016% | 6,460 |
| Net charge-offs to loans | 0.1554% | 2,861 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | -8.6667% | 4,857 |
| Efficiency ratio | 114.5012% | 228 |
| Assets per employee ($millions) | 3.1711% | 5,544 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2918% | 4,551 |
| Loan loss allowance to noncurrent loans | 53.5484% | 5,048 |
| Noncurrent assets plus other real estate owned to assets | 1.0485% | 3,653 |
| Noncurrent loans to loans | 2.4123% | 1,944 |
| Net loans and leases to total assets | 37.5005% | 6,208 |
| Net loans and leases to deposits | 41.9198% | 6,333 |
| Net loans and leases to core deposits | 42.9717% | 6,369 |
| Total domestic deposits to total assets | 89.4576% | 1,348 |
| Equity capital to assets | 9.9354% | 3,992 |
| Core capital (leverage) ratio | 9.4596% | 4,305 |
| Tier 1 risk-based capital ratio | 17.2540% | 2,613 |
| Total risk-based capital ratio | 18.1597% | 2,717 |
| Memoranda: | ||
| Average total assets | $51,062,000 | 6,099 |
| Average earning assets | $40,908,330 | 6,260 |
| Average equity | $5,198,330 | 6,132 |
| Average total loans | $19,310,330 | 6,340 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5388% | 5,612 |
| Cost of funding earning assets | 0.4387% | 4,719 |
| Net interest margin | 3.1001% | 5,261 |
| Noninterest income to average assets | 0.8043% | 2,108 |
| Noninterest expense to average assets | 3.8029% | 1,107 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -0.5154% | 6,678 |
| Return on assets (ROA) | -0.5154% | 6,703 |
| Pretax return on assets | -0.5154% | 6,679 |
| Return on Equity (ROE) | -5.0028% | 6,696 |
| Retained earnings to average equity (ytd only) | -5.0028% | 6,366 |
| Net charge-offs to loans | 0.2484% | 1,968 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | -5.5000% | 4,074 |
| Efficiency ratio | 114.9644% | 258 |
| Assets per employee ($millions) | 3.0169% | 5,960 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3154% | 4,618 |
| Loan loss allowance to noncurrent loans | 38.7097% | 5,667 |
| Noncurrent assets plus other real estate owned to assets | 1.3473% | 3,262 |
| Noncurrent loans to loans | 3.3981% | 1,419 |
| Net loans and leases to total assets | 36.8631% | 6,237 |
| Net loans and leases to deposits | 41.3345% | 6,360 |
| Net loans and leases to core deposits | 41.6074% | 6,415 |
| Total domestic deposits to total assets | 89.1824% | 1,576 |
| Equity capital to assets | 10.2053% | 3,896 |
| Core capital (leverage) ratio | 9.4846% | 4,115 |
| Tier 1 risk-based capital ratio | 17.7457% | 2,467 |
| Total risk-based capital ratio | 18.6764% | 2,552 |
| Memoranda: | ||
| Average total assets | $51,224,000 | 6,149 |
| Average earning assets | $41,031,000 | 6,309 |
| Average equity | $5,277,000 | 6,164 |
| Average total loans | $19,327,500 | 6,397 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7574% | 5,931 |
| Cost of funding earning assets | 0.7444% | 3,120 |
| Net interest margin | 3.0130% | 6,024 |
| Noninterest income to average assets | 0.9629% | 1,653 |
| Noninterest expense to average assets | 3.8746% | 1,126 |
| Loan and lease loss provision to assets | 0.0769% | 4,753 |
| Net operating income to assets | -0.5228% | 6,581 |
| Return on assets (ROA) | -0.3632% | 6,537 |
| Pretax return on assets | -0.3632% | 6,509 |
| Return on Equity (ROE) | -3.4351% | 6,518 |
| Retained earnings to average equity (ytd only) | -3.4351% | 6,298 |
| Net charge-offs to loans | 2.5995% | 230 |
| Credit loss provision to net charge-offs | 7.2727% | 5,423 |
| Earnings coverage of net charge-offs (x) | -0.4218% | 5,650 |
| Efficiency ratio | 112.3879% | 300 |
| Assets per employee ($millions) | 3.0095% | 6,002 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3541% | 4,382 |
| Loan loss allowance to noncurrent loans | 37.3938% | 5,751 |
| Noncurrent assets plus other real estate owned to assets | 1.7083% | 2,838 |
| Noncurrent loans to loans | 3.6211% | 1,354 |
| Net loans and leases to total assets | 37.5931% | 6,334 |
| Net loans and leases to deposits | 42.2490% | 6,452 |
| Net loans and leases to core deposits | 42.5839% | 6,522 |
| Total domestic deposits to total assets | 88.9799% | 1,575 |
| Equity capital to assets | 10.3985% | 3,642 |
| Core capital (leverage) ratio | 9.8805% | 3,568 |
| Tier 1 risk-based capital ratio | 18.4138% | 2,132 |
| Total risk-based capital ratio | 19.3904% | 2,178 |
| Memoranda: | ||
| Average total assets | $52,031,400 | 6,147 |
| Average earning assets | $42,582,200 | 6,288 |
| Average equity | $5,502,000 | 6,146 |
| Average total loans | $21,157,600 | 6,371 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8581% | 5,893 |
| Cost of funding earning assets | 0.8234% | 2,746 |
| Net interest margin | 3.0347% | 6,096 |
| Noninterest income to average assets | 0.9952% | 1,513 |
| Noninterest expense to average assets | 3.8482% | 1,128 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | -0.3700% | 6,634 |
| Return on assets (ROA) | -0.1735% | 6,551 |
| Pretax return on assets | -0.1735% | 6,530 |
| Return on Equity (ROE) | -1.6342% | 6,541 |
| Retained earnings to average equity (ytd only) | -1.6342% | 6,351 |
| Net charge-offs to loans | 2.8183% | 203 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | -0.3180% | 5,451 |
| Efficiency ratio | 110.0514% | 308 |
| Assets per employee ($millions) | 2.8379% | 6,312 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5522% | 3,724 |
| Loan loss allowance to noncurrent loans | 26.4339% | 6,290 |
| Noncurrent assets plus other real estate owned to assets | 2.4236% | 2,188 |
| Noncurrent loans to loans | 5.8720% | 707 |
| Net loans and leases to total assets | 39.4836% | 6,321 |
| Net loans and leases to deposits | 44.5684% | 6,476 |
| Net loans and leases to core deposits | 45.2616% | 6,551 |
| Total domestic deposits to total assets | 88.5909% | 1,663 |
| Equity capital to assets | 10.7592% | 3,544 |
| Core capital (leverage) ratio | 9.9988% | 3,545 |
| Tier 1 risk-based capital ratio | 21.1195% | 1,497 |
| Total risk-based capital ratio | 22.3698% | 1,468 |
| Memoranda: | ||
| Average total assets | $52,249,000 | 6,213 |
| Average earning assets | $42,748,500 | 6,351 |
| Average equity | $5,547,500 | 6,208 |
| Average total loans | $21,572,750 | 6,442 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0336% | 5,539 |
| Cost of funding earning assets | 0.9026% | 2,379 |
| Net interest margin | 3.1311% | 5,911 |
| Noninterest income to average assets | 1.0183% | 1,409 |
| Noninterest expense to average assets | 3.8565% | 1,134 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | -0.2812% | 6,601 |
| Return on assets (ROA) | 0.0114% | 6,442 |
| Pretax return on assets | 0.0114% | 6,432 |
| Return on Equity (ROE) | 0.1078% | 6,442 |
| Retained earnings to average equity (ytd only) | 0.1078% | 6,004 |
| Net charge-offs to loans | 0.7477% | 1,477 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | -0.9024% | 5,293 |
| Efficiency ratio | 107.3326% | 373 |
| Assets per employee ($millions) | 2.9009% | 6,235 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2665% | 610 |
| Loan loss allowance to noncurrent loans | 70.1826% | 4,196 |
| Noncurrent assets plus other real estate owned to assets | 2.1028% | 2,662 |
| Noncurrent loans to loans | 4.6542% | 1,114 |
| Net loans and leases to total assets | 39.2458% | 6,390 |
| Net loans and leases to deposits | 44.2460% | 6,544 |
| Net loans and leases to core deposits | 45.2994% | 6,606 |
| Total domestic deposits to total assets | 88.6991% | 1,707 |
| Equity capital to assets | 10.6402% | 3,525 |
| Core capital (leverage) ratio | 9.8138% | 3,700 |
| Tier 1 risk-based capital ratio | 21.0219% | 1,480 |
| Total risk-based capital ratio | 22.2933% | 1,448 |
| Memoranda: | ||
| Average total assets | $52,638,000 | 6,244 |
| Average earning assets | $42,988,670 | 6,381 |
| Average equity | $5,564,670 | 6,227 |
| Average total loans | $21,934,670 | 6,468 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1536% | 5,268 |
| Cost of funding earning assets | 0.9251% | 2,476 |
| Net interest margin | 3.2285% | 5,706 |
| Noninterest income to average assets | 1.0521% | 1,303 |
| Noninterest expense to average assets | 4.1250% | 804 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -0.4314% | 6,789 |
| Return on assets (ROA) | 0.1514% | 6,246 |
| Pretax return on assets | 0.1514% | 6,293 |
| Return on Equity (ROE) | 1.4365% | 6,240 |
| Retained earnings to average equity (ytd only) | 1.4365% | 5,516 |
| Net charge-offs to loans | 0.5379% | 1,741 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | -1.9000% | 4,609 |
| Efficiency ratio | 111.0656% | 320 |
| Assets per employee ($millions) | 3.3181% | 5,518 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3353% | 603 |
| Loan loss allowance to noncurrent loans | 83.3147% | 3,575 |
| Noncurrent assets plus other real estate owned to assets | 1.6820% | 3,338 |
| Noncurrent loans to loans | 4.0032% | 1,531 |
| Net loans and leases to total assets | 40.6159% | 6,296 |
| Net loans and leases to deposits | 45.6824% | 6,454 |
| Net loans and leases to core deposits | 47.0387% | 6,505 |
| Total domestic deposits to total assets | 88.9094% | 1,754 |
| Equity capital to assets | 10.4464% | 3,559 |
| Core capital (leverage) ratio | 9.9161% | 3,476 |
| Tier 1 risk-based capital ratio | 20.1898% | 1,659 |
| Total risk-based capital ratio | 21.4616% | 1,629 |
| Memoranda: | ||
| Average total assets | $52,848,500 | 6,271 |
| Average earning assets | $43,240,000 | 6,421 |
| Average equity | $5,569,000 | 6,254 |
| Average total loans | $22,309,500 | 6,494 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8587% | 3,549 |
| Cost of funding earning assets | 1.2350% | 1,814 |
| Net interest margin | 3.6236% | 4,640 |
| Noninterest income to average assets | 0.9774% | 1,431 |
| Noninterest expense to average assets | 3.7734% | 1,396 |
| Loan and lease loss provision to assets | 0.0418% | 6,054 |
| Net operating income to assets | -0.0073% | 6,051 |
| Return on assets (ROA) | 0.2107% | 5,695 |
| Pretax return on assets | 0.2107% | 5,758 |
| Return on Equity (ROE) | 2.0706% | 5,632 |
| Retained earnings to average equity (ytd only) | 2.0706% | 4,740 |
| Net charge-offs to loans | 1.2010% | 1,398 |
| Credit loss provision to net charge-offs | 8.1851% | 6,023 |
| Earnings coverage of net charge-offs (x) | 0.0676% | 5,778 |
| Efficiency ratio | 98.5687% | 713 |
| Assets per employee ($millions) | 2.3912% | 6,924 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4690% | 546 |
| Loan loss allowance to noncurrent loans | 82.8694% | 3,569 |
| Noncurrent assets plus other real estate owned to assets | 1.7754% | 3,289 |
| Noncurrent loans to loans | 4.1861% | 1,469 |
| Net loans and leases to total assets | 40.9413% | 6,469 |
| Net loans and leases to deposits | 46.3402% | 6,606 |
| Net loans and leases to core deposits | 47.7318% | 6,656 |
| Total domestic deposits to total assets | 88.3495% | 1,941 |
| Equity capital to assets | 10.6298% | 3,389 |
| Core capital (leverage) ratio | 9.9768% | 3,369 |
| Tier 1 risk-based capital ratio | 20.4816% | 1,530 |
| Total risk-based capital ratio | 21.7526% | 1,492 |
| Memoranda: | ||
| Average total assets | $55,042,600 | 6,199 |
| Average earning assets | $42,995,400 | 6,420 |
| Average equity | $5,602,200 | 6,259 |
| Average total loans | $23,396,200 | 6,495 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0693% | 2,756 |
| Cost of funding earning assets | 1.3076% | 1,658 |
| Net interest margin | 3.7617% | 4,051 |
| Noninterest income to average assets | 0.8649% | 1,778 |
| Noninterest expense to average assets | 3.6584% | 1,586 |
| Loan and lease loss provision to assets | 0.0551% | 5,755 |
| Net operating income to assets | 0.0599% | 6,049 |
| Return on assets (ROA) | 0.3474% | 5,397 |
| Pretax return on assets | 0.3474% | 5,608 |
| Return on Equity (ROE) | 3.4494% | 5,247 |
| Retained earnings to average equity (ytd only) | 3.4494% | 4,282 |
| Net charge-offs to loans | 1.4140% | 1,052 |
| Credit loss provision to net charge-offs | 9.1633% | 5,668 |
| Earnings coverage of net charge-offs (x) | 0.1912% | 5,453 |
| Efficiency ratio | 96.4444% | 793 |
| Assets per employee ($millions) | 2.3959% | 6,991 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6234% | 511 |
| Loan loss allowance to noncurrent loans | 113.5593% | 2,631 |
| Noncurrent assets plus other real estate owned to assets | 1.3698% | 4,086 |
| Noncurrent loans to loans | 3.1908% | 2,178 |
| Net loans and leases to total assets | 40.5718% | 6,593 |
| Net loans and leases to deposits | 45.9922% | 6,740 |
| Net loans and leases to core deposits | 47.3948% | 6,786 |
| Total domestic deposits to total assets | 88.2145% | 1,915 |
| Equity capital to assets | 10.7591% | 3,413 |
| Core capital (leverage) ratio | 9.8608% | 3,635 |
| Tier 1 risk-based capital ratio | 18.0952% | 2,218 |
| Total risk-based capital ratio | 19.3639% | 2,175 |
| Memoranda: | ||
| Average total assets | $55,651,500 | 6,220 |
| Average earning assets | $43,029,500 | 6,479 |
| Average equity | $5,604,750 | 6,303 |
| Average total loans | $23,667,250 | 6,550 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9703% | 3,314 |
| Cost of funding earning assets | 1.3588% | 1,607 |
| Net interest margin | 3.6115% | 4,674 |
| Noninterest income to average assets | 0.7769% | 2,125 |
| Noninterest expense to average assets | 3.7046% | 1,519 |
| Loan and lease loss provision to assets | 0.0812% | 5,292 |
| Net operating income to assets | -0.1554% | 6,423 |
| Return on assets (ROA) | -0.1342% | 6,436 |
| Pretax return on assets | -0.1342% | 6,394 |
| Return on Equity (ROE) | -1.3614% | 6,450 |
| Retained earnings to average equity (ytd only) | -1.3614% | 6,128 |
| Net charge-offs to loans | 0.3146% | 3,299 |
| Credit loss provision to net charge-offs | 60.5263% | 4,327 |
| Earnings coverage of net charge-offs (x) | -0.5526% | 5,540 |
| Efficiency ratio | 101.4591% | 681 |
| Assets per employee ($millions) | 2.2678% | 7,143 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2949% | 338 |
| Loan loss allowance to noncurrent loans | 94.2539% | 3,045 |
| Noncurrent assets plus other real estate owned to assets | 1.9825% | 3,258 |
| Noncurrent loans to loans | 4.5568% | 1,444 |
| Net loans and leases to total assets | 41.6382% | 6,618 |
| Net loans and leases to deposits | 46.9932% | 6,781 |
| Net loans and leases to core deposits | 49.6930% | 6,769 |
| Total domestic deposits to total assets | 88.6047% | 1,780 |
| Equity capital to assets | 10.2947% | 3,757 |
| Core capital (leverage) ratio | 9.2124% | 4,381 |
| Tier 1 risk-based capital ratio | 18.8118% | 1,903 |
| Total risk-based capital ratio | 20.0920% | 1,863 |
| Memoranda: | ||
| Average total assets | $56,632,330 | 6,244 |
| Average earning assets | $44,745,670 | 6,483 |
| Average equity | $5,582,670 | 6,347 |
| Average total loans | $24,160,000 | 6,586 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1621% | 2,375 |
| Cost of funding earning assets | 1.4383% | 1,441 |
| Net interest margin | 3.7238% | 3,981 |
| Noninterest income to average assets | 0.8175% | 1,960 |
| Noninterest expense to average assets | 3.6788% | 1,575 |
| Loan and lease loss provision to assets | 0.1593% | 4,034 |
| Net operating income to assets | -0.0970% | 6,454 |
| Return on assets (ROA) | -0.0970% | 6,473 |
| Pretax return on assets | -0.0970% | 6,444 |
| Return on Equity (ROE) | -1.0049% | 6,486 |
| Retained earnings to average equity (ytd only) | -1.0049% | 5,990 |
| Net charge-offs to loans | 0.4426% | 2,369 |
| Credit loss provision to net charge-offs | 85.1852% | 3,036 |
| Earnings coverage of net charge-offs (x) | 0.3333% | 4,364 |
| Efficiency ratio | 97.7778% | 845 |
| Assets per employee ($millions) | 2.3602% | 7,135 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2622% | 356 |
| Loan loss allowance to noncurrent loans | 51.9980% | 4,889 |
| Noncurrent assets plus other real estate owned to assets | 3.7338% | 1,809 |
| Noncurrent loans to loans | 8.1969% | 591 |
| Net loans and leases to total assets | 40.7651% | 6,721 |
| Net loans and leases to deposits | 45.6849% | 6,871 |
| Net loans and leases to core deposits | 49.5122% | 6,802 |
| Total domestic deposits to total assets | 89.2310% | 1,633 |
| Equity capital to assets | 9.8104% | 4,023 |
| Core capital (leverage) ratio | 8.8660% | 4,828 |
| Tier 1 risk-based capital ratio | 17.9242% | 2,137 |
| Total risk-based capital ratio | 19.2010% | 2,098 |
| Memoranda: | ||
| Average total assets | $57,735,500 | 6,268 |
| Average earning assets | $45,330,000 | 6,511 |
| Average equity | $5,572,500 | 6,375 |
| Average total loans | $24,400,500 | 6,618 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3152% | 3,049 |
| Cost of funding earning assets | 1.8871% | 889 |
| Net interest margin | 3.4281% | 5,518 |
| Noninterest income to average assets | 0.9136% | 1,798 |
| Noninterest expense to average assets | 2.7944% | 4,628 |
| Loan and lease loss provision to assets | 1.4341% | 1,041 |
| Net operating income to assets | -1.3281% | 6,840 |
| Return on assets (ROA) | -1.3281% | 6,866 |
| Pretax return on assets | -0.5927% | 6,394 |
| Return on Equity (ROE) | -13.4258% | 6,866 |
| Retained earnings to average equity (ytd only) | -13.4258% | 6,819 |
| Net charge-offs to loans | 2.4534% | 765 |
| Credit loss provision to net charge-offs | 141.9453% | 2,638 |
| Earnings coverage of net charge-offs (x) | 0.8328% | 5,298 |
| Efficiency ratio | 76.3936% | 2,992 |
| Assets per employee ($millions) | 2.3531% | 7,169 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1812% | 341 |
| Loan loss allowance to noncurrent loans | 85.0082% | 3,353 |
| Noncurrent assets plus other real estate owned to assets | 2.3663% | 2,902 |
| Noncurrent loans to loans | 4.9186% | 1,381 |
| Net loans and leases to total assets | 40.2026% | 6,952 |
| Net loans and leases to deposits | 45.0133% | 7,080 |
| Net loans and leases to core deposits | 49.8777% | 6,982 |
| Total domestic deposits to total assets | 89.3127% | 1,488 |
| Equity capital to assets | 9.4990% | 4,406 |
| Core capital (leverage) ratio | 8.5952% | 5,204 |
| Tier 1 risk-based capital ratio | 17.2181% | 2,263 |
| Total risk-based capital ratio | 18.4960% | 2,217 |
| Memoranda: | ||
| Average total assets | $65,129,800 | 6,028 |
| Average earning assets | $51,720,000 | 6,303 |
| Average equity | $6,442,800 | 6,220 |
| Average total loans | $26,819,400 | 6,564 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3257% | 3,227 |
| Cost of funding earning assets | 1.9666% | 840 |
| Net interest margin | 3.3591% | 5,810 |
| Noninterest income to average assets | 0.8815% | 1,868 |
| Noninterest expense to average assets | 2.9082% | 4,059 |
| Loan and lease loss provision to assets | 1.0673% | 1,375 |
| Net operating income to assets | -0.0080% | 6,013 |
| Return on assets (ROA) | -0.0080% | 6,144 |
| Pretax return on assets | -0.4037% | 6,496 |
| Return on Equity (ROE) | -0.0801% | 6,145 |
| Retained earnings to average equity (ytd only) | -0.0801% | 5,805 |
| Net charge-offs to loans | 2.3640% | 740 |
| Credit loss provision to net charge-offs | 110.1031% | 3,848 |
| Earnings coverage of net charge-offs (x) | 0.6845% | 5,365 |
| Efficiency ratio | 80.9737% | 2,211 |
| Assets per employee ($millions) | 2.3981% | 7,202 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1121% | 758 |
| Loan loss allowance to noncurrent loans | 68.6275% | 3,878 |
| Noncurrent assets plus other real estate owned to assets | 2.0096% | 3,458 |
| Noncurrent loans to loans | 4.5347% | 1,592 |
| Net loans and leases to total assets | 40.1957% | 7,063 |
| Net loans and leases to deposits | 45.9963% | 7,175 |
| Net loans and leases to core deposits | 51.6572% | 7,061 |
| Total domestic deposits to total assets | 87.3889% | 2,325 |
| Equity capital to assets | 10.6255% | 3,379 |
| Core capital (leverage) ratio | 9.0119% | 4,676 |
| Tier 1 risk-based capital ratio | 18.4056% | 1,897 |
| Total risk-based capital ratio | 19.6728% | 1,855 |
| Memoranda: | ||
| Average total assets | $66,705,500 | 6,039 |
| Average earning assets | $53,425,000 | 6,304 |
| Average equity | $6,656,500 | 6,220 |
| Average total loans | $27,353,750 | 6,623 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2676% | 3,611 |
| Cost of funding earning assets | 2.0230% | 847 |
| Net interest margin | 3.2446% | 6,184 |
| Noninterest income to average assets | 0.8304% | 1,968 |
| Noninterest expense to average assets | 2.6703% | 5,035 |
| Loan and lease loss provision to assets | 1.0094% | 1,440 |
| Net operating income to assets | 0.3785% | 4,858 |
| Return on assets (ROA) | 0.3785% | 5,020 |
| Pretax return on assets | -0.1995% | 6,337 |
| Return on Equity (ROE) | 3.8698% | 4,834 |
| Retained earnings to average equity (ytd only) | 3.8698% | 3,624 |
| Net charge-offs to loans | 2.4130% | 725 |
| Credit loss provision to net charge-offs | 102.3810% | 3,984 |
| Earnings coverage of net charge-offs (x) | 0.8214% | 4,953 |
| Efficiency ratio | 76.3069% | 3,017 |
| Assets per employee ($millions) | 2.5781% | 6,985 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8521% | 957 |
| Loan loss allowance to noncurrent loans | 64.9108% | 4,089 |
| Noncurrent assets plus other real estate owned to assets | 2.9987% | 2,380 |
| Noncurrent loans to loans | 4.3939% | 1,672 |
| Net loans and leases to total assets | 38.8229% | 7,228 |
| Net loans and leases to deposits | 44.1569% | 7,319 |
| Net loans and leases to core deposits | 55.1568% | 6,985 |
| Total domestic deposits to total assets | 87.9203% | 2,044 |
| Equity capital to assets | 10.0850% | 3,903 |
| Core capital (leverage) ratio | 8.6067% | 5,223 |
| Tier 1 risk-based capital ratio | 17.3575% | 2,150 |
| Total risk-based capital ratio | 18.6186% | 2,106 |
| Memoranda: | ||
| Average total assets | $68,157,330 | 6,032 |
| Average earning assets | $55,661,000 | 6,256 |
| Average equity | $6,667,000 | 6,247 |
| Average total loans | $27,849,330 | 6,643 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2411% | 3,828 |
| Cost of funding earning assets | 1.9966% | 1,097 |
| Net interest margin | 3.2445% | 6,147 |
| Noninterest income to average assets | 0.9255% | 1,532 |
| Noninterest expense to average assets | 3.4051% | 2,220 |
| Loan and lease loss provision to assets | 0.6985% | 1,825 |
| Net operating income to assets | -0.0582% | 6,379 |
| Return on assets (ROA) | -0.0582% | 6,466 |
| Pretax return on assets | -0.4540% | 6,753 |
| Return on Equity (ROE) | -0.6042% | 6,480 |
| Retained earnings to average equity (ytd only) | -0.6042% | 5,975 |
| Net charge-offs to loans | -0.2255% | 7,693 |
| Credit loss provision to net charge-offs | -750.0000% | 6,335 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.8230% | 1,219 |
| Assets per employee ($millions) | 2.4483% | 7,278 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1805% | 704 |
| Loan loss allowance to noncurrent loans | 45.1417% | 5,339 |
| Noncurrent assets plus other real estate owned to assets | 2.8824% | 2,493 |
| Noncurrent loans to loans | 7.0456% | 840 |
| Net loans and leases to total assets | 39.6102% | 7,274 |
| Net loans and leases to deposits | 44.9942% | 7,368 |
| Net loans and leases to core deposits | 56.2311% | 6,981 |
| Total domestic deposits to total assets | 88.0341% | 2,036 |
| Equity capital to assets | 9.7049% | 4,225 |
| Core capital (leverage) ratio | 8.5212% | 5,339 |
| Tier 1 risk-based capital ratio | 16.9969% | 2,272 |
| Total risk-based capital ratio | 18.2686% | 2,213 |
| Memoranda: | ||
| Average total assets | $68,721,000 | 6,081 |
| Average earning assets | $57,697,500 | 6,257 |
| Average equity | $6,620,500 | 6,315 |
| Average total loans | $28,380,500 | 6,695 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7901% | 2,698 |
| Cost of funding earning assets | 2.3527% | 1,447 |
| Net interest margin | 3.4374% | 5,228 |
| Noninterest income to average assets | 1.4349% | 713 |
| Noninterest expense to average assets | 6.3311% | 272 |
| Loan and lease loss provision to assets | 1.1557% | 1,978 |
| Net operating income to assets | -2.4888% | 7,267 |
| Return on assets (ROA) | -2.4888% | 7,264 |
| Pretax return on assets | -3.1357% | 7,331 |
| Return on Equity (ROE) | -24.2541% | 7,271 |
| Retained earnings to average equity (ytd only) | -24.2541% | 7,244 |
| Net charge-offs to loans | 2.1535% | 1,120 |
| Credit loss provision to net charge-offs | 121.1890% | 4,397 |
| Earnings coverage of net charge-offs (x) | -2.0762% | 7,004 |
| Efficiency ratio | 98.5299% | 1,179 |
| Assets per employee ($millions) | 2.2222% | 7,551 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6328% | 1,092 |
| Loan loss allowance to noncurrent loans | 259.7938% | 1,166 |
| Noncurrent assets plus other real estate owned to assets | 0.4224% | 6,408 |
| Noncurrent loans to loans | 1.0134% | 5,288 |
| Net loans and leases to total assets | 40.5856% | 7,320 |
| Net loans and leases to deposits | 46.0155% | 7,439 |
| Net loans and leases to core deposits | 69.8940% | 6,778 |
| Total domestic deposits to total assets | 88.1999% | 1,883 |
| Equity capital to assets | 9.5632% | 4,334 |
| Core capital (leverage) ratio | 8.4711% | 5,321 |
| Tier 1 risk-based capital ratio | 16.5249% | 2,312 |
| Total risk-based capital ratio | 17.7867% | 2,254 |
| Memoranda: | ||
| Average total assets | $68,787,600 | 6,043 |
| Average earning assets | $58,358,600 | 6,207 |
| Average equity | $7,058,600 | 6,252 |
| Average total loans | $30,462,600 | 6,602 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8657% | 2,605 |
| Cost of funding earning assets | 2.4240% | 1,551 |
| Net interest margin | 3.4417% | 5,104 |
| Noninterest income to average assets | 1.5590% | 607 |
| Noninterest expense to average assets | 7.2829% | 186 |
| Loan and lease loss provision to assets | 0.8415% | 2,272 |
| Net operating income to assets | -3.0617% | 7,599 |
| Return on assets (ROA) | -3.0617% | 7,612 |
| Pretax return on assets | -3.6473% | 7,631 |
| Return on Equity (ROE) | -29.3368% | 7,593 |
| Retained earnings to average equity (ytd only) | -29.3368% | 7,583 |
| Net charge-offs to loans | 1.4024% | 1,470 |
| Credit loss provision to net charge-offs | 133.5385% | 3,734 |
| Earnings coverage of net charge-offs (x) | -4.4523% | 6,844 |
| Efficiency ratio | 101.9056% | 985 |
| Assets per employee ($millions) | 2.1633% | 7,645 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4884% | 1,076 |
| Loan loss allowance to noncurrent loans | 261.1511% | 1,144 |
| Noncurrent assets plus other real estate owned to assets | 0.4145% | 6,419 |
| Noncurrent loans to loans | 0.9529% | 5,390 |
| Net loans and leases to total assets | 42.4213% | 7,336 |
| Net loans and leases to deposits | 48.4601% | 7,477 |
| Net loans and leases to core deposits | 75.5337% | 6,641 |
| Total domestic deposits to total assets | 87.5386% | 1,868 |
| Equity capital to assets | 10.0995% | 3,962 |
| Core capital (leverage) ratio | 8.8341% | 4,922 |
| Tier 1 risk-based capital ratio | 18.2642% | 1,919 |
| Total risk-based capital ratio | 19.5264% | 1,860 |
| Memoranda: | ||
| Average total assets | $68,762,250 | 6,084 |
| Average earning assets | $58,303,500 | 6,242 |
| Average equity | $7,176,250 | 6,267 |
| Average total loans | $30,899,500 | 6,631 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9428% | 2,409 |
| Cost of funding earning assets | 2.4611% | 1,743 |
| Net interest margin | 3.4817% | 4,886 |
| Noninterest income to average assets | 0.6375% | 3,428 |
| Noninterest expense to average assets | 4.6590% | 664 |
| Loan and lease loss provision to assets | 1.1655% | 1,477 |
| Net operating income to assets | -1.1626% | 7,090 |
| Return on assets (ROA) | -1.1626% | 7,096 |
| Pretax return on assets | -2.2444% | 7,358 |
| Return on Equity (ROE) | -11.0250% | 7,112 |
| Retained earnings to average equity (ytd only) | -11.0250% | 6,971 |
| Net charge-offs to loans | 1.3598% | 1,375 |
| Credit loss provision to net charge-offs | 188.7850% | 2,416 |
| Earnings coverage of net charge-offs (x) | -1.7477% | 6,328 |
| Efficiency ratio | 129.7341% | 525 |
| Assets per employee ($millions) | 2.2384% | 7,634 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5143% | 884 |
| Loan loss allowance to noncurrent loans | 47.8364% | 5,167 |
| Noncurrent assets plus other real estate owned to assets | 2.7597% | 2,333 |
| Noncurrent loans to loans | 5.2561% | 1,135 |
| Net loans and leases to total assets | 45.0909% | 7,258 |
| Net loans and leases to deposits | 51.5648% | 7,405 |
| Net loans and leases to core deposits | 81.5540% | 6,275 |
| Total domestic deposits to total assets | 87.4451% | 2,036 |
| Equity capital to assets | 10.2175% | 3,700 |
| Core capital (leverage) ratio | 7.4540% | 7,077 |
| Tier 1 risk-based capital ratio | 13.6452% | 3,728 |
| Total risk-based capital ratio | 14.9060% | 3,647 |
| Memoranda: | ||
| Average total assets | $69,328,670 | 6,101 |
| Average earning assets | $58,592,330 | 6,285 |
| Average equity | $7,310,670 | 6,262 |
| Average total loans | $31,474,330 | 6,644 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0050% | 2,340 |
| Cost of funding earning assets | 2.4790% | 1,996 |
| Net interest margin | 3.5260% | 4,628 |
| Noninterest income to average assets | 0.7677% | 2,494 |
| Noninterest expense to average assets | 5.7780% | 318 |
| Loan and lease loss provision to assets | 0.9524% | 1,367 |
| Net operating income to assets | -1.5931% | 7,538 |
| Return on assets (ROA) | -1.5931% | 7,540 |
| Pretax return on assets | -2.9496% | 7,741 |
| Return on Equity (ROE) | -14.8767% | 7,598 |
| Retained earnings to average equity (ytd only) | -14.8767% | 7,430 |
| Net charge-offs to loans | 1.1809% | 1,171 |
| Credit loss provision to net charge-offs | 179.3478% | 2,421 |
| Earnings coverage of net charge-offs (x) | -3.7609% | 5,537 |
| Efficiency ratio | 152.3664% | 342 |
| Assets per employee ($millions) | 2.2561% | 7,642 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2014% | 1,080 |
| Loan loss allowance to noncurrent loans | 60.2620% | 4,582 |
| Noncurrent assets plus other real estate owned to assets | 2.2033% | 2,594 |
| Noncurrent loans to loans | 3.6531% | 1,715 |
| Net loans and leases to total assets | 43.8282% | 7,356 |
| Net loans and leases to deposits | 51.5861% | 7,429 |
| Net loans and leases to core deposits | 81.1269% | 6,303 |
| Total domestic deposits to total assets | 84.9612% | 3,224 |
| Equity capital to assets | 10.3876% | 3,571 |
| Core capital (leverage) ratio | 7.4512% | 7,214 |
| Tier 1 risk-based capital ratio | 14.2365% | 3,459 |
| Total risk-based capital ratio | 15.4941% | 3,388 |
| Memoranda: | ||
| Average total assets | $69,297,500 | 6,130 |
| Average earning assets | $59,217,000 | 6,293 |
| Average equity | $7,421,000 | 6,252 |
| Average total loans | $31,163,500 | 6,691 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7375% | 1,911 |
| Cost of funding earning assets | 2.9650% | 2,006 |
| Net interest margin | 3.7725% | 4,128 |
| Noninterest income to average assets | 1.0205% | 1,526 |
| Noninterest expense to average assets | 8.9875% | 177 |
| Loan and lease loss provision to assets | 0.9320% | 1,591 |
| Net operating income to assets | -5.3358% | 8,111 |
| Return on assets (ROA) | -5.3037% | 8,100 |
| Pretax return on assets | -5.7691% | 8,084 |
| Return on Equity (ROE) | -36.1187% | 8,038 |
| Retained earnings to average equity (ytd only) | -36.1187% | 8,001 |
| Net charge-offs to loans | 1.6666% | 667 |
| Credit loss provision to net charge-offs | 132.8872% | 4,005 |
| Earnings coverage of net charge-offs (x) | -6.9465% | 6,866 |
| Efficiency ratio | 78.3969% | 2,852 |
| Assets per employee ($millions) | 2.2147% | 7,686 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9914% | 1,242 |
| Loan loss allowance to noncurrent loans | 82.5971% | 4,030 |
| Noncurrent assets plus other real estate owned to assets | 1.3589% | 3,483 |
| Noncurrent loans to loans | 2.4109% | 2,272 |
| Net loans and leases to total assets | 44.2307% | 7,455 |
| Net loans and leases to deposits | 52.0250% | 7,534 |
| Net loans and leases to core deposits | 78.5408% | 6,720 |
| Total domestic deposits to total assets | 85.0181% | 2,833 |
| Equity capital to assets | 11.0362% | 3,012 |
| Core capital (leverage) ratio | 7.9992% | 6,492 |
| Tier 1 risk-based capital ratio | 15.6947% | 2,783 |
| Total risk-based capital ratio | 16.9515% | 2,710 |
| Memoranda: | ||
| Average total assets | $74,570,200 | 5,892 |
| Average earning assets | $61,180,400 | 6,126 |
| Average equity | $10,950,000 | 5,138 |
| Average total loans | $31,381,600 | 6,633 |