Home > Bank of Gassaway > Performance and Condition Ratios
Bank of Gassaway, Performance and Condition Ratios
2014-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1676% | 2,998 |
Cost of funding earning assets | 0.4817% | 3,096 |
Net interest margin | 3.6859% | 2,925 |
Noninterest income to average assets | 0.5847% | 2,829 |
Noninterest expense to average assets | 3.2776% | 1,997 |
Loan and lease loss provision to assets | 0.0000% | 3,817 |
Net operating income to assets | 0.5367% | 4,520 |
Return on assets (ROA) | 0.5367% | 4,592 |
Pretax return on assets | 0.7674% | 4,239 |
Return on Equity (ROE) | 5.3693% | 4,352 |
Retained earnings to average equity (ytd only) | 5.3693% | 2,876 |
Net charge-offs to loans | 0.2181% | 1,453 |
Credit loss provision to net charge-offs | 0.0000% | 2,688 |
Earnings coverage of net charge-offs (x) | 6.3396% | 2,231 |
Efficiency ratio | 81.0277% | 2,045 |
Assets per employee ($millions) | 4.0551% | 3,810 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3982% | 3,609 |
Loan loss allowance to noncurrent loans | 83.3643% | 4,080 |
Noncurrent assets plus other real estate owned to assets | 0.9063% | 3,467 |
Noncurrent loans to loans | 1.6772% | 2,312 |
Net loans and leases to total assets | 53.2790% | 4,513 |
Net loans and leases to deposits | 59.3750% | 4,815 |
Net loans and leases to core deposits | 63.2610% | 4,757 |
Total domestic deposits to total assets | 89.7329% | 1,223 |
Equity capital to assets | 9.8731% | 3,988 |
Core capital (leverage) ratio | 10.3694% | 3,095 |
Tier 1 risk-based capital ratio | 19.7342% | 1,785 |
Total risk-based capital ratio | 20.9881% | 1,753 |
Memoranda: | ||
Average total assets | $175,130,500 | 3,333 |
Average earning assets | $164,411,500 | 3,287 |
Average equity | $17,507,000 | 3,480 |
Average total loans | $97,224,500 | 3,531 |
2013-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4244% | 2,494 |
Cost of funding earning assets | 0.5548% | 3,073 |
Net interest margin | 3.8695% | 2,400 |
Noninterest income to average assets | 0.6832% | 2,634 |
Noninterest expense to average assets | 3.3398% | 2,023 |
Loan and lease loss provision to assets | 0.1050% | 3,042 |
Net operating income to assets | 0.5829% | 4,344 |
Return on assets (ROA) | 0.5829% | 4,458 |
Pretax return on assets | 0.8478% | 3,969 |
Return on Equity (ROE) | 5.8412% | 4,181 |
Retained earnings to average equity (ytd only) | 5.8412% | 2,072 |
Net charge-offs to loans | 0.1392% | 3,414 |
Credit loss provision to net charge-offs | 133.3333% | 1,758 |
Earnings coverage of net charge-offs (x) | 12.0963% | 2,166 |
Efficiency ratio | 77.8035% | 2,498 |
Assets per employee ($millions) | 3.7356% | 4,396 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4290% | 3,514 |
Loan loss allowance to noncurrent loans | 106.4590% | 3,452 |
Noncurrent assets plus other real estate owned to assets | 0.7658% | 3,975 |
Noncurrent loans to loans | 1.3423% | 2,893 |
Net loans and leases to total assets | 56.2379% | 4,281 |
Net loans and leases to deposits | 62.8611% | 4,631 |
Net loans and leases to core deposits | 66.9375% | 4,622 |
Total domestic deposits to total assets | 89.4638% | 1,355 |
Equity capital to assets | 10.1248% | 3,596 |
Core capital (leverage) ratio | 10.0908% | 3,445 |
Tier 1 risk-based capital ratio | 19.4402% | 1,808 |
Total risk-based capital ratio | 20.6947% | 1,765 |
Memoranda: | ||
Average total assets | $171,389,600 | 3,392 |
Average earning assets | $159,864,200 | 3,347 |
Average equity | $17,102,600 | 3,548 |
Average total loans | $97,009,600 | 3,532 |
2013-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4632% | 2,377 |
Cost of funding earning assets | 0.5667% | 3,110 |
Net interest margin | 3.8965% | 2,290 |
Noninterest income to average assets | 0.6796% | 2,736 |
Noninterest expense to average assets | 3.3193% | 2,026 |
Loan and lease loss provision to assets | 0.1323% | 2,628 |
Net operating income to assets | 0.5566% | 4,548 |
Return on assets (ROA) | 0.5566% | 4,700 |
Pretax return on assets | 0.8516% | 4,088 |
Return on Equity (ROE) | 5.5982% | 4,418 |
Retained earnings to average equity (ytd only) | 5.5982% | 2,663 |
Net charge-offs to loans | 0.0675% | 3,955 |
Credit loss provision to net charge-offs | 346.9388% | 746 |
Earnings coverage of net charge-offs (x) | 25.7966% | 1,371 |
Efficiency ratio | 77.1346% | 2,535 |
Assets per employee ($millions) | 3.5090% | 4,832 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5041% | 3,435 |
Loan loss allowance to noncurrent loans | 66.0555% | 4,578 |
Noncurrent assets plus other real estate owned to assets | 1.4013% | 2,858 |
Noncurrent loans to loans | 2.2771% | 1,926 |
Net loans and leases to total assets | 58.6449% | 3,904 |
Net loans and leases to deposits | 65.7778% | 4,332 |
Net loans and leases to core deposits | 70.7543% | 4,238 |
Total domestic deposits to total assets | 89.1562% | 1,476 |
Equity capital to assets | 10.3903% | 3,403 |
Core capital (leverage) ratio | 9.7530% | 4,027 |
Tier 1 risk-based capital ratio | 19.2377% | 1,919 |
Total risk-based capital ratio | 20.4933% | 1,886 |
Memoranda: | ||
Average total assets | $171,278,000 | 3,420 |
Average earning assets | $159,283,000 | 3,386 |
Average equity | $17,028,750 | 3,598 |
Average total loans | $96,752,500 | 3,555 |
2013-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4147% | 2,509 |
Cost of funding earning assets | 0.5679% | 3,235 |
Net interest margin | 3.8468% | 2,390 |
Noninterest income to average assets | 0.6655% | 2,821 |
Noninterest expense to average assets | 3.2307% | 2,272 |
Loan and lease loss provision to assets | 0.1384% | 2,598 |
Net operating income to assets | 0.5960% | 4,307 |
Return on assets (ROA) | 0.5733% | 4,602 |
Pretax return on assets | 0.8489% | 4,121 |
Return on Equity (ROE) | 5.8495% | 4,254 |
Retained earnings to average equity (ytd only) | 5.8495% | 2,519 |
Net charge-offs to loans | 0.1018% | 3,344 |
Credit loss provision to net charge-offs | 244.8980% | 1,029 |
Earnings coverage of net charge-offs (x) | 18.0612% | 1,571 |
Efficiency ratio | 75.9902% | 2,789 |
Assets per employee ($millions) | 3.5442% | 4,771 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4530% | 3,797 |
Loan loss allowance to noncurrent loans | 176.6089% | 2,206 |
Noncurrent assets plus other real estate owned to assets | 0.5190% | 4,969 |
Noncurrent loans to loans | 0.8227% | 4,268 |
Net loans and leases to total assets | 56.8922% | 4,152 |
Net loans and leases to deposits | 63.5385% | 4,559 |
Net loans and leases to core deposits | 68.3090% | 4,462 |
Total domestic deposits to total assets | 89.5397% | 1,304 |
Equity capital to assets | 9.9900% | 3,929 |
Core capital (leverage) ratio | 9.4087% | 4,379 |
Tier 1 risk-based capital ratio | 18.7945% | 2,047 |
Total risk-based capital ratio | 20.0487% | 2,012 |
Memoranda: | ||
Average total assets | $173,396,330 | 3,404 |
Average earning assets | $161,642,000 | 3,365 |
Average equity | $16,993,000 | 3,623 |
Average total loans | $96,271,330 | 3,580 |
2013-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3516% | 2,685 |
Cost of funding earning assets | 0.5779% | 3,309 |
Net interest margin | 3.7737% | 2,547 |
Noninterest income to average assets | 0.7838% | 2,194 |
Noninterest expense to average assets | 3.1582% | 2,490 |
Loan and lease loss provision to assets | 0.1371% | 2,529 |
Net operating income to assets | 0.6465% | 3,980 |
Return on assets (ROA) | 0.6216% | 4,268 |
Pretax return on assets | 0.9712% | 3,480 |
Return on Equity (ROE) | 6.4030% | 3,820 |
Retained earnings to average equity (ytd only) | 6.4030% | 2,457 |
Net charge-offs to loans | 0.0252% | 3,682 |
Credit loss provision to net charge-offs | 1,000.0000% | 310 |
Earnings coverage of net charge-offs (x) | 83.6667% | 448 |
Efficiency ratio | 73.3546% | 3,381 |
Assets per employee ($millions) | 3.4412% | 5,112 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4674% | 3,941 |
Loan loss allowance to noncurrent loans | 173.0061% | 2,121 |
Noncurrent assets plus other real estate owned to assets | 0.5173% | 5,094 |
Noncurrent loans to loans | 0.8482% | 4,422 |
Net loans and leases to total assets | 55.0285% | 4,233 |
Net loans and leases to deposits | 61.5079% | 4,613 |
Net loans and leases to core deposits | 66.0774% | 4,519 |
Total domestic deposits to total assets | 89.4658% | 1,378 |
Equity capital to assets | 9.9391% | 4,225 |
Core capital (leverage) ratio | 9.3971% | 4,246 |
Tier 1 risk-based capital ratio | 18.5275% | 2,177 |
Total risk-based capital ratio | 19.7819% | 2,151 |
Memoranda: | ||
Average total assets | $175,034,500 | 3,407 |
Average earning assets | $163,341,500 | 3,382 |
Average equity | $16,992,000 | 3,676 |
Average total loans | $95,301,000 | 3,627 |
2012-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5168% | 3,329 |
Cost of funding earning assets | 0.6997% | 3,497 |
Net interest margin | 3.8171% | 3,152 |
Noninterest income to average assets | 0.6533% | 2,973 |
Noninterest expense to average assets | 3.0853% | 2,973 |
Loan and lease loss provision to assets | 0.1046% | 4,331 |
Net operating income to assets | 0.6242% | 4,116 |
Return on assets (ROA) | 0.6001% | 4,498 |
Pretax return on assets | 0.8796% | 3,989 |
Return on Equity (ROE) | 4.7045% | 4,832 |
Retained earnings to average equity (ytd only) | -28.9171% | 6,929 |
Net charge-offs to loans | 0.1981% | 3,796 |
Credit loss provision to net charge-offs | 101.6667% | 2,975 |
Earnings coverage of net charge-offs (x) | 9.9111% | 2,203 |
Efficiency ratio | 75.1601% | 2,884 |
Assets per employee ($millions) | 3.5602% | 4,879 |
Cash dividends to net income (ytd only)* | 714.6667% | 20 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4348% | 3,998 |
Loan loss allowance to noncurrent loans | 123.6098% | 2,776 |
Noncurrent assets plus other real estate owned to assets | 0.6584% | 4,828 |
Noncurrent loans to loans | 1.1607% | 3,911 |
Net loans and leases to total assets | 52.3310% | 4,878 |
Net loans and leases to deposits | 58.1822% | 5,220 |
Net loans and leases to core deposits | 62.2149% | 5,132 |
Total domestic deposits to total assets | 89.9433% | 976 |
Equity capital to assets | 9.4842% | 4,896 |
Core capital (leverage) ratio | 9.1459% | 4,665 |
Tier 1 risk-based capital ratio | 18.1336% | 2,211 |
Total risk-based capital ratio | 19.3866% | 2,180 |
Memoranda: | ||
Average total assets | $174,960,800 | 3,377 |
Average earning assets | $158,211,000 | 3,400 |
Average equity | $22,319,000 | 2,936 |
Average total loans | $90,879,400 | 3,726 |
2012-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5755% | 3,303 |
Cost of funding earning assets | 0.7209% | 3,585 |
Net interest margin | 3.8545% | 3,100 |
Noninterest income to average assets | 0.6513% | 2,987 |
Noninterest expense to average assets | 3.0669% | 2,991 |
Loan and lease loss provision to assets | 0.1248% | 3,990 |
Net operating income to assets | 0.5882% | 4,444 |
Return on assets (ROA) | 0.5656% | 4,813 |
Pretax return on assets | 0.8825% | 4,183 |
Return on Equity (ROE) | 4.1613% | 5,223 |
Retained earnings to average equity (ytd only) | 4.1613% | 3,968 |
Net charge-offs to loans | 0.1660% | 3,790 |
Credit loss provision to net charge-offs | 145.5357% | 1,959 |
Earnings coverage of net charge-offs (x) | 12.1607% | 2,023 |
Efficiency ratio | 74.6321% | 2,886 |
Assets per employee ($millions) | 3.4817% | 5,008 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5198% | 3,867 |
Loan loss allowance to noncurrent loans | 374.6667% | 1,001 |
Noncurrent assets plus other real estate owned to assets | 0.2585% | 6,050 |
Noncurrent loans to loans | 0.4057% | 5,642 |
Net loans and leases to total assets | 52.2963% | 5,004 |
Net loans and leases to deposits | 61.1858% | 5,061 |
Net loans and leases to core deposits | 65.7568% | 4,981 |
Total domestic deposits to total assets | 85.4713% | 3,526 |
Equity capital to assets | 13.8715% | 1,208 |
Core capital (leverage) ratio | 13.0739% | 1,163 |
Tier 1 risk-based capital ratio | 26.5852% | 772 |
Total risk-based capital ratio | 27.8399% | 757 |
Memoranda: | ||
Average total assets | $174,198,250 | 3,427 |
Average earning assets | $156,279,000 | 3,480 |
Average equity | $23,678,000 | 2,802 |
Average total loans | $89,971,500 | 3,788 |
2012-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5738% | 3,467 |
Cost of funding earning assets | 0.7346% | 3,729 |
Net interest margin | 3.8392% | 3,182 |
Noninterest income to average assets | 0.6577% | 2,912 |
Noninterest expense to average assets | 3.1165% | 2,871 |
Loan and lease loss provision to assets | 0.1148% | 4,095 |
Net operating income to assets | 0.5577% | 4,552 |
Return on assets (ROA) | 0.5349% | 4,933 |
Pretax return on assets | 0.8345% | 4,340 |
Return on Equity (ROE) | 3.9624% | 5,279 |
Retained earnings to average equity (ytd only) | 3.9624% | 3,975 |
Net charge-offs to loans | 0.2580% | 3,030 |
Credit loss provision to net charge-offs | 86.9565% | 3,132 |
Earnings coverage of net charge-offs (x) | 7.4609% | 2,479 |
Efficiency ratio | 75.9866% | 2,745 |
Assets per employee ($millions) | 3.4810% | 5,024 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4797% | 4,117 |
Loan loss allowance to noncurrent loans | 296.6741% | 1,212 |
Noncurrent assets plus other real estate owned to assets | 0.3022% | 6,010 |
Noncurrent loans to loans | 0.4988% | 5,538 |
Net loans and leases to total assets | 51.1856% | 5,196 |
Net loans and leases to deposits | 59.7177% | 5,264 |
Net loans and leases to core deposits | 63.9407% | 5,214 |
Total domestic deposits to total assets | 85.7126% | 3,503 |
Equity capital to assets | 13.6565% | 1,240 |
Core capital (leverage) ratio | 13.3384% | 1,042 |
Tier 1 risk-based capital ratio | 26.2026% | 789 |
Total risk-based capital ratio | 27.4561% | 778 |
Memoranda: | ||
Average total assets | $174,236,670 | 3,443 |
Average earning assets | $156,281,330 | 3,492 |
Average equity | $23,521,330 | 2,808 |
Average total loans | $89,147,330 | 3,827 |
2012-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5950% | 3,530 |
Cost of funding earning assets | 0.7526% | 3,843 |
Net interest margin | 3.8424% | 3,173 |
Noninterest income to average assets | 0.6516% | 2,919 |
Noninterest expense to average assets | 2.9714% | 3,379 |
Loan and lease loss provision to assets | 0.0918% | 4,205 |
Net operating income to assets | 0.6593% | 4,085 |
Return on assets (ROA) | 0.6402% | 4,381 |
Pretax return on assets | 1.0027% | 3,667 |
Return on Equity (ROE) | 4.7697% | 4,897 |
Retained earnings to average equity (ytd only) | 4.7697% | 3,696 |
Net charge-offs to loans | 0.2666% | 2,602 |
Credit loss provision to net charge-offs | 67.7966% | 2,960 |
Earnings coverage of net charge-offs (x) | 8.3051% | 1,972 |
Efficiency ratio | 72.5490% | 3,332 |
Assets per employee ($millions) | 3.7911% | 4,443 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5122% | 4,093 |
Loan loss allowance to noncurrent loans | 192.0863% | 1,719 |
Noncurrent assets plus other real estate owned to assets | 0.4193% | 5,816 |
Noncurrent loans to loans | 0.7873% | 5,096 |
Net loans and leases to total assets | 47.7791% | 5,586 |
Net loans and leases to deposits | 55.2751% | 5,677 |
Net loans and leases to core deposits | 58.8911% | 5,636 |
Total domestic deposits to total assets | 86.4386% | 3,282 |
Equity capital to assets | 12.9332% | 1,468 |
Core capital (leverage) ratio | 13.3852% | 989 |
Tier 1 risk-based capital ratio | 25.8774% | 812 |
Total risk-based capital ratio | 27.1312% | 795 |
Memoranda: | ||
Average total assets | $174,330,500 | 3,465 |
Average earning assets | $156,257,500 | 3,506 |
Average equity | $23,397,500 | 2,811 |
Average total loans | $88,508,000 | 3,866 |
2011-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0570% | 2,623 |
Cost of funding earning assets | 0.8972% | 4,140 |
Net interest margin | 4.1598% | 2,196 |
Noninterest income to average assets | 0.7059% | 2,566 |
Noninterest expense to average assets | 3.3278% | 2,430 |
Loan and lease loss provision to assets | 0.0686% | 5,754 |
Net operating income to assets | 0.6971% | 3,507 |
Return on assets (ROA) | 0.6758% | 3,796 |
Pretax return on assets | 0.9947% | 3,263 |
Return on Equity (ROE) | 5.0096% | 4,389 |
Retained earnings to average equity (ytd only) | 4.1174% | 3,255 |
Net charge-offs to loans | 0.1363% | 5,049 |
Credit loss provision to net charge-offs | 94.2149% | 3,827 |
Earnings coverage of net charge-offs (x) | 15.0331% | 1,422 |
Efficiency ratio | 75.2483% | 3,018 |
Assets per employee ($millions) | 3.3338% | 5,422 |
Cash dividends to net income (ytd only)* | 17.8094% | 3,621 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5259% | 3,908 |
Loan loss allowance to noncurrent loans | 130.6950% | 2,420 |
Noncurrent assets plus other real estate owned to assets | 0.6443% | 5,369 |
Noncurrent loans to loans | 1.1675% | 4,417 |
Net loans and leases to total assets | 52.4225% | 5,247 |
Net loans and leases to deposits | 61.3905% | 5,324 |
Net loans and leases to core deposits | 65.6361% | 5,297 |
Total domestic deposits to total assets | 85.3919% | 3,649 |
Equity capital to assets | 13.9542% | 1,081 |
Core capital (leverage) ratio | 13.4806% | 972 |
Tier 1 risk-based capital ratio | 26.2415% | 758 |
Total risk-based capital ratio | 27.4961% | 746 |
Memoranda: | ||
Average total assets | $166,173,600 | 3,552 |
Average earning assets | $148,467,200 | 3,593 |
Average equity | $22,416,800 | 2,844 |
Average total loans | $88,776,800 | 3,884 |
2011-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0878% | 2,666 |
Cost of funding earning assets | 0.9125% | 4,322 |
Net interest margin | 4.1753% | 2,192 |
Noninterest income to average assets | 0.6938% | 2,643 |
Noninterest expense to average assets | 3.3797% | 2,248 |
Loan and lease loss provision to assets | 0.0642% | 5,647 |
Net operating income to assets | 0.6462% | 3,892 |
Return on assets (ROA) | 0.6255% | 4,163 |
Pretax return on assets | 0.9515% | 3,585 |
Return on Equity (ROE) | 4.6773% | 4,680 |
Retained earnings to average equity (ytd only) | 3.4764% | 4,264 |
Net charge-offs to loans | 0.0841% | 5,133 |
Credit loss provision to net charge-offs | 142.8571% | 2,224 |
Earnings coverage of net charge-offs (x) | 23.2872% | 1,121 |
Efficiency ratio | 76.3468% | 2,791 |
Assets per employee ($millions) | 3.6581% | 4,620 |
Cash dividends to net income (ytd only)* | 25.6740% | 2,683 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5681% | 3,809 |
Loan loss allowance to noncurrent loans | 211.9449% | 1,484 |
Noncurrent assets plus other real estate owned to assets | 0.3881% | 6,106 |
Noncurrent loans to loans | 0.7399% | 5,399 |
Net loans and leases to total assets | 51.6280% | 5,488 |
Net loans and leases to deposits | 60.2030% | 5,607 |
Net loans and leases to core deposits | 64.2907% | 5,588 |
Total domestic deposits to total assets | 85.7565% | 3,352 |
Equity capital to assets | 13.6178% | 1,318 |
Core capital (leverage) ratio | 12.9323% | 1,252 |
Tier 1 risk-based capital ratio | 25.6392% | 864 |
Total risk-based capital ratio | 26.8932% | 848 |
Memoranda: | ||
Average total assets | $166,045,000 | 3,575 |
Average earning assets | $148,456,250 | 3,624 |
Average equity | $22,206,000 | 2,866 |
Average total loans | $88,787,000 | 3,933 |
2011-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1221% | 2,579 |
Cost of funding earning assets | 0.9276% | 4,472 |
Net interest margin | 4.1945% | 2,060 |
Noninterest income to average assets | 0.6788% | 2,662 |
Noninterest expense to average assets | 3.3756% | 2,329 |
Loan and lease loss provision to assets | 0.0786% | 5,330 |
Net operating income to assets | 0.6259% | 3,932 |
Return on assets (ROA) | 0.6050% | 4,180 |
Pretax return on assets | 0.9449% | 3,453 |
Return on Equity (ROE) | 4.5517% | 4,669 |
Retained earnings to average equity (ytd only) | 4.5517% | 3,289 |
Net charge-offs to loans | 0.1394% | 4,358 |
Credit loss provision to net charge-offs | 104.8387% | 2,944 |
Earnings coverage of net charge-offs (x) | 14.0806% | 1,501 |
Efficiency ratio | 76.1671% | 2,983 |
Assets per employee ($millions) | 3.3058% | 5,413 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5378% | 3,953 |
Loan loss allowance to noncurrent loans | 283.1601% | 1,110 |
Noncurrent assets plus other real estate owned to assets | 0.2910% | 6,407 |
Noncurrent loans to loans | 0.5431% | 5,828 |
Net loans and leases to total assets | 52.7582% | 5,467 |
Net loans and leases to deposits | 61.5687% | 5,553 |
Net loans and leases to core deposits | 65.5177% | 5,563 |
Total domestic deposits to total assets | 85.6900% | 3,499 |
Equity capital to assets | 13.7062% | 1,205 |
Core capital (leverage) ratio | 13.1009% | 1,109 |
Tier 1 risk-based capital ratio | 25.7967% | 827 |
Total risk-based capital ratio | 27.0514% | 811 |
Memoranda: | ||
Average total assets | $165,302,330 | 3,607 |
Average earning assets | $147,909,330 | 3,654 |
Average equity | $21,969,670 | 2,883 |
Average total loans | $88,962,670 | 3,966 |
2011-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0963% | 2,668 |
Cost of funding earning assets | 0.9261% | 4,739 |
Net interest margin | 4.1702% | 1,999 |
Noninterest income to average assets | 0.6340% | 2,937 |
Noninterest expense to average assets | 3.1698% | 2,991 |
Loan and lease loss provision to assets | 0.1331% | 4,339 |
Net operating income to assets | 0.6911% | 3,547 |
Return on assets (ROA) | 0.6678% | 3,745 |
Pretax return on assets | 1.0429% | 2,979 |
Return on Equity (ROE) | 5.1047% | 4,340 |
Retained earnings to average equity (ytd only) | 5.1047% | 3,117 |
Net charge-offs to loans | 0.0404% | 4,547 |
Credit loss provision to net charge-offs | 611.1111% | 607 |
Earnings coverage of net charge-offs (x) | 55.6667% | 529 |
Efficiency ratio | 72.3357% | 3,799 |
Assets per employee ($millions) | 3.1795% | 5,762 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5892% | 3,779 |
Loan loss allowance to noncurrent loans | 318.8209% | 971 |
Noncurrent assets plus other real estate owned to assets | 0.2617% | 6,522 |
Noncurrent loans to loans | 0.4985% | 6,024 |
Net loans and leases to total assets | 51.6675% | 5,622 |
Net loans and leases to deposits | 59.6210% | 5,760 |
Net loans and leases to core deposits | 63.8307% | 5,746 |
Total domestic deposits to total assets | 86.6599% | 3,142 |
Equity capital to assets | 12.9158% | 1,418 |
Core capital (leverage) ratio | 13.4330% | 986 |
Tier 1 risk-based capital ratio | 25.2400% | 854 |
Total risk-based capital ratio | 26.4951% | 833 |
Memoranda: | ||
Average total assets | $165,308,500 | 3,630 |
Average earning assets | $148,578,000 | 3,667 |
Average equity | $21,627,000 | 2,909 |
Average total loans | $89,161,000 | 3,993 |
2010-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2471% | 3,375 |
Cost of funding earning assets | 1.0455% | 5,455 |
Net interest margin | 4.2016% | 2,180 |
Noninterest income to average assets | 0.6840% | 2,947 |
Noninterest expense to average assets | 3.4830% | 2,224 |
Loan and lease loss provision to assets | 0.1669% | 5,545 |
Net operating income to assets | 0.5507% | 3,885 |
Return on assets (ROA) | 0.5687% | 3,967 |
Pretax return on assets | 0.8187% | 3,571 |
Return on Equity (ROE) | 4.4006% | 4,346 |
Retained earnings to average equity (ytd only) | 3.6962% | 3,272 |
Net charge-offs to loans | 0.2140% | 5,006 |
Credit loss provision to net charge-offs | 143.9791% | 2,591 |
Earnings coverage of net charge-offs (x) | 8.2775% | 1,989 |
Efficiency ratio | 78.4016% | 2,635 |
Assets per employee ($millions) | 3.1174% | 5,845 |
Cash dividends to net income (ytd only)* | 16.0085% | 3,582 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5137% | 3,928 |
Loan loss allowance to noncurrent loans | 118.4669% | 2,466 |
Noncurrent assets plus other real estate owned to assets | 0.7082% | 5,582 |
Noncurrent loans to loans | 1.2777% | 4,580 |
Net loans and leases to total assets | 54.5881% | 5,561 |
Net loans and leases to deposits | 63.3707% | 5,702 |
Net loans and leases to core deposits | 67.8175% | 5,682 |
Total domestic deposits to total assets | 86.1409% | 3,282 |
Equity capital to assets | 13.2564% | 1,275 |
Core capital (leverage) ratio | 12.9996% | 1,128 |
Tier 1 risk-based capital ratio | 24.8683% | 859 |
Total risk-based capital ratio | 26.1219% | 837 |
Memoranda: | ||
Average total assets | $164,773,200 | 3,617 |
Average earning assets | $147,396,000 | 3,674 |
Average equity | $21,292,400 | 2,970 |
Average total loans | $89,272,200 | 4,071 |
2010-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2575% | 3,542 |
Cost of funding earning assets | 1.0616% | 5,641 |
Net interest margin | 4.1959% | 2,229 |
Noninterest income to average assets | 0.5980% | 3,451 |
Noninterest expense to average assets | 3.2986% | 2,580 |
Loan and lease loss provision to assets | 0.1048% | 5,986 |
Net operating income to assets | 0.5907% | 3,915 |
Return on assets (ROA) | 0.5778% | 4,128 |
Pretax return on assets | 0.9268% | 3,464 |
Return on Equity (ROE) | 4.5002% | 4,558 |
Retained earnings to average equity (ytd only) | 3.5587% | 3,946 |
Net charge-offs to loans | 0.2005% | 4,742 |
Credit loss provision to net charge-offs | 97.0149% | 4,466 |
Earnings coverage of net charge-offs (x) | 9.7389% | 1,971 |
Efficiency ratio | 75.8244% | 2,985 |
Assets per employee ($millions) | 3.0277% | 6,089 |
Cash dividends to net income (ytd only)* | 20.9209% | 2,932 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4114% | 4,397 |
Loan loss allowance to noncurrent loans | 135.8974% | 2,082 |
Noncurrent assets plus other real estate owned to assets | 0.5725% | 6,007 |
Noncurrent loans to loans | 1.0386% | 5,171 |
Net loans and leases to total assets | 54.3460% | 5,797 |
Net loans and leases to deposits | 63.2874% | 5,996 |
Net loans and leases to core deposits | 68.0157% | 5,937 |
Total domestic deposits to total assets | 85.8717% | 3,146 |
Equity capital to assets | 13.3545% | 1,419 |
Core capital (leverage) ratio | 12.7618% | 1,313 |
Tier 1 risk-based capital ratio | 24.4883% | 893 |
Total risk-based capital ratio | 25.7411% | 877 |
Memoranda: | ||
Average total assets | $165,440,750 | 3,661 |
Average earning assets | $147,950,250 | 3,722 |
Average equity | $21,243,250 | 3,018 |
Average total loans | $89,128,000 | 4,140 |
2010-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2391% | 3,764 |
Cost of funding earning assets | 1.0804% | 5,787 |
Net interest margin | 4.1587% | 2,295 |
Noninterest income to average assets | 0.5876% | 3,429 |
Noninterest expense to average assets | 3.2934% | 2,584 |
Loan and lease loss provision to assets | 0.1024% | 5,892 |
Net operating income to assets | 0.5597% | 4,038 |
Return on assets (ROA) | 0.5527% | 4,220 |
Pretax return on assets | 0.8983% | 3,499 |
Return on Equity (ROE) | 4.3618% | 4,618 |
Retained earnings to average equity (ytd only) | 2.9364% | 4,262 |
Net charge-offs to loans | 0.1171% | 5,005 |
Credit loss provision to net charge-offs | 163.4615% | 2,415 |
Earnings coverage of net charge-offs (x) | 16.1538% | 1,414 |
Efficiency ratio | 76.5035% | 2,981 |
Assets per employee ($millions) | 3.0278% | 6,084 |
Cash dividends to net income (ytd only)* | 32.6797% | 2,405 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4579% | 4,138 |
Loan loss allowance to noncurrent loans | 133.9816% | 2,080 |
Noncurrent assets plus other real estate owned to assets | 0.6257% | 5,932 |
Noncurrent loans to loans | 1.0881% | 5,145 |
Net loans and leases to total assets | 54.1156% | 5,975 |
Net loans and leases to deposits | 62.7488% | 6,163 |
Net loans and leases to core deposits | 67.9656% | 6,057 |
Total domestic deposits to total assets | 86.2416% | 2,949 |
Equity capital to assets | 13.0722% | 1,540 |
Core capital (leverage) ratio | 12.4428% | 1,423 |
Tier 1 risk-based capital ratio | 24.2200% | 922 |
Total risk-based capital ratio | 25.4730% | 898 |
Memoranda: | ||
Average total assets | $166,089,330 | 3,673 |
Average earning assets | $148,459,670 | 3,731 |
Average equity | $21,046,330 | 3,036 |
Average total loans | $88,795,670 | 4,180 |
2010-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1963% | 4,040 |
Cost of funding earning assets | 1.1095% | 5,854 |
Net interest margin | 4.0868% | 2,498 |
Noninterest income to average assets | 0.5425% | 3,705 |
Noninterest expense to average assets | 3.1162% | 3,204 |
Loan and lease loss provision to assets | 0.0956% | 5,676 |
Net operating income to assets | 0.6070% | 3,861 |
Return on assets (ROA) | 0.6070% | 4,012 |
Pretax return on assets | 0.9750% | 3,186 |
Return on Equity (ROE) | 4.8652% | 4,438 |
Retained earnings to average equity (ytd only) | 1.9921% | 4,937 |
Net charge-offs to loans | 0.2537% | 3,423 |
Credit loss provision to net charge-offs | 71.4286% | 4,068 |
Earnings coverage of net charge-offs (x) | 8.0000% | 2,001 |
Efficiency ratio | 74.4292% | 3,504 |
Assets per employee ($millions) | 3.1255% | 5,933 |
Cash dividends to net income (ytd only)* | 59.0551% | 1,269 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4221% | 4,309 |
Loan loss allowance to noncurrent loans | 165.7895% | 1,689 |
Noncurrent assets plus other real estate owned to assets | 0.4882% | 6,266 |
Noncurrent loans to loans | 0.8578% | 5,600 |
Net loans and leases to total assets | 51.7485% | 6,298 |
Net loans and leases to deposits | 59.4673% | 6,514 |
Net loans and leases to core deposits | 64.3386% | 6,429 |
Total domestic deposits to total assets | 87.0201% | 2,622 |
Equity capital to assets | 12.3898% | 1,815 |
Core capital (leverage) ratio | 12.7247% | 1,315 |
Tier 1 risk-based capital ratio | 23.8611% | 977 |
Total risk-based capital ratio | 25.1134% | 956 |
Memoranda: | ||
Average total assets | $167,384,000 | 3,706 |
Average earning assets | $149,261,000 | 3,768 |
Average equity | $20,883,000 | 3,078 |
Average total loans | $88,299,500 | 4,245 |
2009-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3674% | 4,849 |
Cost of funding earning assets | 1.2986% | 6,312 |
Net interest margin | 4.0688% | 2,569 |
Noninterest income to average assets | 0.5099% | 4,337 |
Noninterest expense to average assets | 3.4689% | 2,458 |
Loan and lease loss provision to assets | 0.0486% | 7,077 |
Net operating income to assets | 0.4696% | 3,860 |
Return on assets (ROA) | 0.4692% | 3,975 |
Pretax return on assets | 0.7023% | 3,563 |
Return on Equity (ROE) | 3.7378% | 4,190 |
Retained earnings to average equity (ytd only) | 2.4081% | 3,444 |
Net charge-offs to loans | 0.2639% | 4,967 |
Credit loss provision to net charge-offs | 35.3982% | 6,867 |
Earnings coverage of net charge-offs (x) | 5.4779% | 2,586 |
Efficiency ratio | 82.1947% | 2,575 |
Assets per employee ($millions) | 2.9641% | 6,311 |
Cash dividends to net income (ytd only)* | 35.5757% | 3,108 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4500% | 3,977 |
Loan loss allowance to noncurrent loans | 159.6996% | 1,817 |
Noncurrent assets plus other real estate owned to assets | 0.5199% | 6,153 |
Noncurrent loans to loans | 0.9080% | 5,491 |
Net loans and leases to total assets | 52.2459% | 6,395 |
Net loans and leases to deposits | 60.1015% | 6,627 |
Net loans and leases to core deposits | 74.5897% | 6,500 |
Total domestic deposits to total assets | 86.9295% | 2,549 |
Equity capital to assets | 12.5639% | 1,717 |
Core capital (leverage) ratio | 12.5430% | 1,433 |
Tier 1 risk-based capital ratio | 23.9511% | 953 |
Total risk-based capital ratio | 25.2040% | 930 |
Memoranda: | ||
Average total assets | $164,750,600 | 3,690 |
Average earning assets | $150,240,200 | 3,710 |
Average equity | $20,680,400 | 3,111 |
Average total loans | $85,644,000 | 4,343 |
2009-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3218% | 5,317 |
Cost of funding earning assets | 1.3207% | 6,488 |
Net interest margin | 4.0011% | 2,819 |
Noninterest income to average assets | 0.4735% | 4,722 |
Noninterest expense to average assets | 3.4184% | 2,517 |
Loan and lease loss provision to assets | 0.0405% | 6,962 |
Net operating income to assets | 0.4873% | 4,038 |
Return on assets (ROA) | 0.4873% | 4,136 |
Pretax return on assets | 0.6941% | 3,878 |
Return on Equity (ROE) | 3.8829% | 4,425 |
Retained earnings to average equity (ytd only) | 2.1062% | 4,150 |
Net charge-offs to loans | 0.2006% | 4,803 |
Credit loss provision to net charge-offs | 39.0625% | 6,433 |
Earnings coverage of net charge-offs (x) | 7.0782% | 2,480 |
Efficiency ratio | 82.3116% | 2,539 |
Assets per employee ($millions) | 3.0730% | 5,978 |
Cash dividends to net income (ytd only)* | 45.7576% | 2,209 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5356% | 3,253 |
Loan loss allowance to noncurrent loans | 189.0295% | 1,555 |
Noncurrent assets plus other real estate owned to assets | 0.4758% | 6,277 |
Noncurrent loans to loans | 0.8124% | 5,676 |
Net loans and leases to total assets | 52.9137% | 6,510 |
Net loans and leases to deposits | 61.1294% | 6,740 |
Net loans and leases to core deposits | 76.0177% | 6,613 |
Total domestic deposits to total assets | 86.5602% | 2,399 |
Equity capital to assets | 12.8289% | 1,769 |
Core capital (leverage) ratio | 12.3013% | 1,663 |
Tier 1 risk-based capital ratio | 24.0584% | 995 |
Total risk-based capital ratio | 25.3123% | 973 |
Memoranda: | ||
Average total assets | $164,440,250 | 3,714 |
Average earning assets | $151,223,250 | 3,702 |
Average equity | $20,636,750 | 3,151 |
Average total loans | $85,055,000 | 4,394 |
2009-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3247% | 5,531 |
Cost of funding earning assets | 1.3510% | 6,645 |
Net interest margin | 3.9737% | 2,817 |
Noninterest income to average assets | 0.5625% | 3,941 |
Noninterest expense to average assets | 3.4407% | 2,511 |
Loan and lease loss provision to assets | 0.0242% | 6,993 |
Net operating income to assets | 0.5044% | 4,075 |
Return on assets (ROA) | 0.5044% | 4,196 |
Pretax return on assets | 0.7456% | 3,848 |
Return on Equity (ROE) | 4.0485% | 4,480 |
Retained earnings to average equity (ytd only) | 2.8320% | 3,748 |
Net charge-offs to loans | 0.0736% | 5,474 |
Credit loss provision to net charge-offs | 64.5161% | 5,520 |
Earnings coverage of net charge-offs (x) | 20.4839% | 1,311 |
Efficiency ratio | 81.7161% | 2,760 |
Assets per employee ($millions) | 2.9997% | 6,128 |
Cash dividends to net income (ytd only)* | 30.0481% | 2,843 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6463% | 2,542 |
Loan loss allowance to noncurrent loans | 193.2877% | 1,565 |
Noncurrent assets plus other real estate owned to assets | 0.5025% | 6,184 |
Noncurrent loans to loans | 0.8517% | 5,520 |
Net loans and leases to total assets | 52.0406% | 6,686 |
Net loans and leases to deposits | 60.0593% | 6,883 |
Net loans and leases to core deposits | 74.6760% | 6,749 |
Total domestic deposits to total assets | 86.6488% | 2,433 |
Equity capital to assets | 12.7067% | 1,829 |
Core capital (leverage) ratio | 12.4423% | 1,644 |
Tier 1 risk-based capital ratio | 24.2538% | 1,003 |
Total risk-based capital ratio | 25.5093% | 986 |
Memoranda: | ||
Average total assets | $164,964,670 | 3,719 |
Average earning assets | $151,444,670 | 3,718 |
Average equity | $20,551,000 | 3,167 |
Average total loans | $84,232,330 | 4,451 |
2009-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2146% | 6,235 |
Cost of funding earning assets | 1.3593% | 6,844 |
Net interest margin | 3.8553% | 3,229 |
Noninterest income to average assets | 0.5094% | 4,238 |
Noninterest expense to average assets | 3.2561% | 2,774 |
Loan and lease loss provision to assets | 0.0000% | 6,744 |
Net operating income to assets | 0.5455% | 4,232 |
Return on assets (ROA) | 0.5455% | 4,415 |
Pretax return on assets | 0.8315% | 3,968 |
Return on Equity (ROE) | 4.4217% | 4,737 |
Retained earnings to average equity (ytd only) | 4.4217% | 3,457 |
Net charge-offs to loans | -0.1102% | 7,904 |
Credit loss provision to net charge-offs | 0.0000% | 5,248 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 79.6590% | 2,871 |
Assets per employee ($millions) | 3.0796% | 5,946 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7137% | 2,098 |
Loan loss allowance to noncurrent loans | 496.5636% | 701 |
Noncurrent assets plus other real estate owned to assets | 0.2255% | 6,852 |
Noncurrent loans to loans | 0.3451% | 6,567 |
Net loans and leases to total assets | 49.8346% | 6,878 |
Net loans and leases to deposits | 57.1454% | 7,094 |
Net loans and leases to core deposits | 70.1057% | 7,012 |
Total domestic deposits to total assets | 87.2067% | 2,119 |
Equity capital to assets | 12.3766% | 2,042 |
Core capital (leverage) ratio | 12.5511% | 1,670 |
Tier 1 risk-based capital ratio | 24.2882% | 1,047 |
Total risk-based capital ratio | 25.5435% | 1,024 |
Memoranda: | ||
Average total assets | $166,454,500 | 3,720 |
Average earning assets | $154,490,500 | 3,672 |
Average equity | $20,535,000 | 3,182 |
Average total loans | $83,494,000 | 4,512 |
2008-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.7141% | 6,735 |
Cost of funding earning assets | 1.6267% | 7,391 |
Net interest margin | 4.0874% | 2,769 |
Noninterest income to average assets | 0.4736% | 4,845 |
Noninterest expense to average assets | 3.0693% | 3,824 |
Loan and lease loss provision to assets | 0.0634% | 6,607 |
Net operating income to assets | 0.7253% | 3,778 |
Return on assets (ROA) | 0.7253% | 3,614 |
Pretax return on assets | 1.1229% | 2,940 |
Return on Equity (ROE) | 5.7288% | 4,057 |
Retained earnings to average equity (ytd only) | 5.0027% | 2,027 |
Net charge-offs to loans | 0.3130% | 3,300 |
Credit loss provision to net charge-offs | 42.0168% | 6,434 |
Earnings coverage of net charge-offs (x) | 7.8613% | 3,012 |
Efficiency ratio | 72.1246% | 3,915 |
Assets per employee ($millions) | 3.0854% | 5,822 |
Cash dividends to net income (ytd only)* | 12.6748% | 4,626 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7201% | 1,846 |
Loan loss allowance to noncurrent loans | 341.8269% | 1,190 |
Noncurrent assets plus other real estate owned to assets | 0.3001% | 6,398 |
Noncurrent loans to loans | 0.5032% | 5,842 |
Net loans and leases to total assets | 48.7645% | 7,126 |
Net loans and leases to deposits | 55.8698% | 7,330 |
Net loans and leases to core deposits | 69.0805% | 7,245 |
Total domestic deposits to total assets | 87.2824% | 1,805 |
Equity capital to assets | 12.2969% | 2,114 |
Core capital (leverage) ratio | 12.3129% | 1,830 |
Tier 1 risk-based capital ratio | 24.4700% | 1,036 |
Total risk-based capital ratio | 25.7261% | 1,014 |
Memoranda: | ||
Average total assets | $157,722,200 | 3,763 |
Average earning assets | $145,937,200 | 3,724 |
Average equity | $19,969,400 | 3,235 |
Average total loans | $76,031,400 | 4,652 |