Home > Bank of the Lakes > Performance and Condition Ratios
Bank of the Lakes, 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 | 4.3024% | 2,952 |
| Cost of funding earning assets | 0.8260% | 1,060 |
| Net interest margin | 3.4764% | 4,001 |
| Noninterest income to average assets | 0.4605% | 4,016 |
| Noninterest expense to average assets | 3.7479% | 1,220 |
| Loan and lease loss provision to assets | 1.2399% | 126 |
| Net operating income to assets | -1.5015% | 6,678 |
| Return on assets (ROA) | -1.4559% | 6,669 |
| Pretax return on assets | -1.4559% | 6,660 |
| Return on Equity (ROE) | -18.2311% | 6,677 |
| Retained earnings to average equity (ytd only) | -18.2311% | 6,657 |
| Net charge-offs to loans | 1.8345% | 217 |
| Credit loss provision to net charge-offs | 104.5638% | 2,315 |
| Earnings coverage of net charge-offs (x) | -0.2206% | 5,151 |
| Efficiency ratio | 102.8763% | 404 |
| Assets per employee ($millions) | 3.3756% | 5,145 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9581% | 495 |
| Loan loss allowance to noncurrent loans | 99.9362% | 3,611 |
| Noncurrent assets plus other real estate owned to assets | 4.5017% | 556 |
| Noncurrent loans to loans | 2.9599% | 1,165 |
| Net loans and leases to total assets | 60.8961% | 3,559 |
| Net loans and leases to deposits | 66.9138% | 4,189 |
| Net loans and leases to core deposits | 70.1845% | 4,273 |
| Total domestic deposits to total assets | 91.0067% | 565 |
| Equity capital to assets | 8.8162% | 5,239 |
| Core capital (leverage) ratio | 8.6048% | 5,537 |
| Tier 1 risk-based capital ratio | 10.8934% | 6,224 |
| Total risk-based capital ratio | 12.0819% | 6,198 |
| Memoranda: | ||
| Average total assets | $188,480,400 | 3,178 |
| Average earning assets | $164,047,400 | 3,290 |
| Average equity | $15,051,200 | 3,861 |
| Average total loans | $121,834,800 | 3,004 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3382% | 2,840 |
| Cost of funding earning assets | 0.8509% | 1,039 |
| Net interest margin | 3.4872% | 3,937 |
| Noninterest income to average assets | 0.6639% | 2,804 |
| Noninterest expense to average assets | 3.4628% | 1,690 |
| Loan and lease loss provision to assets | 1.6111% | 72 |
| Net operating income to assets | -1.3898% | 6,745 |
| Return on assets (ROA) | -1.3340% | 6,744 |
| Pretax return on assets | -1.3340% | 6,740 |
| Return on Equity (ROE) | -17.0925% | 6,755 |
| Retained earnings to average equity (ytd only) | -17.0925% | 6,733 |
| Net charge-offs to loans | 2.4045% | 136 |
| Credit loss provision to net charge-offs | 102.9969% | 2,278 |
| Earnings coverage of net charge-offs (x) | 0.1415% | 4,817 |
| Efficiency ratio | 93.9933% | 736 |
| Assets per employee ($millions) | 3.3841% | 5,095 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7095% | 735 |
| Loan loss allowance to noncurrent loans | 58.8604% | 4,866 |
| Noncurrent assets plus other real estate owned to assets | 6.1588% | 377 |
| Noncurrent loans to loans | 4.6033% | 694 |
| Net loans and leases to total assets | 63.2334% | 3,121 |
| Net loans and leases to deposits | 69.5738% | 3,841 |
| Net loans and leases to core deposits | 73.5994% | 3,898 |
| Total domestic deposits to total assets | 90.8868% | 581 |
| Equity capital to assets | 8.9280% | 5,267 |
| Core capital (leverage) ratio | 8.7061% | 5,531 |
| Tier 1 risk-based capital ratio | 11.7596% | 5,921 |
| Total risk-based capital ratio | 12.9612% | 5,903 |
| Memoranda: | ||
| Average total assets | $193,405,250 | 3,133 |
| Average earning assets | $167,502,000 | 3,283 |
| Average equity | $15,094,000 | 3,898 |
| Average total loans | $125,815,000 | 2,945 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3796% | 2,641 |
| Cost of funding earning assets | 0.8860% | 960 |
| Net interest margin | 3.4936% | 3,805 |
| Noninterest income to average assets | 0.6255% | 3,045 |
| Noninterest expense to average assets | 3.4264% | 1,769 |
| Loan and lease loss provision to assets | 2.3462% | 36 |
| Net operating income to assets | -2.1504% | 6,856 |
| Return on assets (ROA) | -2.0691% | 6,857 |
| Pretax return on assets | -2.0691% | 6,851 |
| Return on Equity (ROE) | -27.6861% | 6,856 |
| Retained earnings to average equity (ytd only) | -27.6861% | 6,840 |
| Net charge-offs to loans | 3.3851% | 84 |
| Credit loss provision to net charge-offs | 106.5178% | 2,081 |
| Earnings coverage of net charge-offs (x) | 0.0889% | 4,515 |
| Efficiency ratio | 94.5953% | 734 |
| Assets per employee ($millions) | 3.5834% | 4,662 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6464% | 832 |
| Loan loss allowance to noncurrent loans | 74.6297% | 4,225 |
| Noncurrent assets plus other real estate owned to assets | 5.2373% | 567 |
| Noncurrent loans to loans | 3.5460% | 1,176 |
| Net loans and leases to total assets | 62.6626% | 3,161 |
| Net loans and leases to deposits | 68.4988% | 3,936 |
| Net loans and leases to core deposits | 72.9545% | 3,936 |
| Total domestic deposits to total assets | 91.4799% | 387 |
| Equity capital to assets | 8.3945% | 5,873 |
| Core capital (leverage) ratio | 8.1995% | 6,009 |
| Tier 1 risk-based capital ratio | 11.6665% | 6,017 |
| Total risk-based capital ratio | 12.9112% | 5,973 |
| Memoranda: | ||
| Average total assets | $199,215,330 | 3,079 |
| Average earning assets | $170,882,330 | 3,241 |
| Average equity | $14,888,330 | 3,966 |
| Average total loans | $129,628,670 | 2,882 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2412% | 3,145 |
| Cost of funding earning assets | 0.9272% | 860 |
| Net interest margin | 3.3140% | 4,466 |
| Noninterest income to average assets | 0.6613% | 2,810 |
| Noninterest expense to average assets | 4.0242% | 860 |
| Loan and lease loss provision to assets | 2.8436% | 31 |
| Net operating income to assets | -3.3493% | 6,975 |
| Return on assets (ROA) | -3.2229% | 6,974 |
| Pretax return on assets | -3.2229% | 6,971 |
| Return on Equity (ROE) | -45.6741% | 6,964 |
| Retained earnings to average equity (ytd only) | -45.6741% | 6,954 |
| Net charge-offs to loans | 3.4713% | 89 |
| Credit loss provision to net charge-offs | 125.2785% | 1,547 |
| Earnings coverage of net charge-offs (x) | -0.2228% | 3,875 |
| Efficiency ratio | 114.3726% | 270 |
| Assets per employee ($millions) | 3.8874% | 4,182 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6057% | 1,006 |
| Loan loss allowance to noncurrent loans | 65.3567% | 4,512 |
| Noncurrent assets plus other real estate owned to assets | 4.8177% | 766 |
| Noncurrent loans to loans | 3.9869% | 1,134 |
| Net loans and leases to total assets | 60.3388% | 3,368 |
| Net loans and leases to deposits | 64.6836% | 4,231 |
| Net loans and leases to core deposits | 68.7558% | 4,216 |
| Total domestic deposits to total assets | 93.2830% | 103 |
| Equity capital to assets | 6.6219% | 6,775 |
| Core capital (leverage) ratio | 6.4122% | 6,761 |
| Tier 1 risk-based capital ratio | 9.4389% | 6,768 |
| Total risk-based capital ratio | 10.7018% | 6,758 |
| Memoranda: | ||
| Average total assets | $205,655,000 | 3,031 |
| Average earning assets | $177,308,000 | 3,182 |
| Average equity | $14,511,500 | 4,092 |
| Average total loans | $134,474,500 | 2,809 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6457% | 2,818 |
| Cost of funding earning assets | 1.0531% | 1,108 |
| Net interest margin | 3.5926% | 4,118 |
| Noninterest income to average assets | 0.6771% | 2,846 |
| Noninterest expense to average assets | 3.8016% | 1,252 |
| Loan and lease loss provision to assets | 2.0613% | 94 |
| Net operating income to assets | -2.0817% | 6,940 |
| Return on assets (ROA) | -1.9997% | 6,932 |
| Pretax return on assets | -1.9997% | 6,922 |
| Return on Equity (ROE) | -22.6205% | 6,908 |
| Retained earnings to average equity (ytd only) | -24.4201% | 6,893 |
| Net charge-offs to loans | 2.5569% | 234 |
| Credit loss provision to net charge-offs | 115.6148% | 2,503 |
| Earnings coverage of net charge-offs (x) | -0.0114% | 5,489 |
| Efficiency ratio | 100.5387% | 543 |
| Assets per employee ($millions) | 3.8732% | 4,219 |
| Cash dividends to net income (ytd only)* | -7.9554% | 7,025 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1450% | 1,657 |
| Loan loss allowance to noncurrent loans | 28.8529% | 6,105 |
| Noncurrent assets plus other real estate owned to assets | 5.9036% | 593 |
| Noncurrent loans to loans | 7.4342% | 412 |
| Net loans and leases to total assets | 67.3597% | 2,304 |
| Net loans and leases to deposits | 72.8900% | 3,269 |
| Net loans and leases to core deposits | 77.5377% | 3,328 |
| Total domestic deposits to total assets | 92.4128% | 182 |
| Equity capital to assets | 7.4922% | 6,638 |
| Core capital (leverage) ratio | 7.0954% | 6,672 |
| Tier 1 risk-based capital ratio | 9.6304% | 6,787 |
| Total risk-based capital ratio | 10.8742% | 6,767 |
| Memoranda: | ||
| Average total assets | $206,175,800 | 2,970 |
| Average earning assets | $178,145,000 | 3,112 |
| Average equity | $18,226,800 | 3,437 |
| Average total loans | $143,765,600 | 2,669 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6737% | 2,914 |
| Cost of funding earning assets | 1.0782% | 1,155 |
| Net interest margin | 3.5956% | 4,250 |
| Noninterest income to average assets | 0.7700% | 2,381 |
| Noninterest expense to average assets | 3.9980% | 932 |
| Loan and lease loss provision to assets | 1.3811% | 244 |
| Net operating income to assets | -1.5026% | 6,971 |
| Return on assets (ROA) | -1.4715% | 6,975 |
| Pretax return on assets | -1.4715% | 6,952 |
| Return on Equity (ROE) | -16.0375% | 6,943 |
| Retained earnings to average equity (ytd only) | -18.3466% | 6,950 |
| Net charge-offs to loans | 1.8746% | 408 |
| Credit loss provision to net charge-offs | 105.3202% | 2,786 |
| Earnings coverage of net charge-offs (x) | -0.0926% | 5,373 |
| Efficiency ratio | 103.1328% | 445 |
| Assets per employee ($millions) | 3.8903% | 4,112 |
| Cash dividends to net income (ytd only)* | -14.3985% | 7,135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7597% | 2,932 |
| Loan loss allowance to noncurrent loans | 24.4332% | 6,372 |
| Noncurrent assets plus other real estate owned to assets | 6.7735% | 541 |
| Noncurrent loans to loans | 7.2020% | 499 |
| Net loans and leases to total assets | 69.4522% | 2,026 |
| Net loans and leases to deposits | 75.8784% | 3,001 |
| Net loans and leases to core deposits | 80.2731% | 3,170 |
| Total domestic deposits to total assets | 91.5309% | 281 |
| Equity capital to assets | 8.3590% | 6,378 |
| Core capital (leverage) ratio | 7.8522% | 6,436 |
| Tier 1 risk-based capital ratio | 10.3993% | 6,703 |
| Total risk-based capital ratio | 11.5472% | 6,703 |
| Memoranda: | ||
| Average total assets | $206,399,750 | 3,005 |
| Average earning assets | $178,325,000 | 3,154 |
| Average equity | $18,938,500 | 3,371 |
| Average total loans | $144,380,250 | 2,684 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6828% | 2,998 |
| Cost of funding earning assets | 1.1155% | 1,147 |
| Net interest margin | 3.5673% | 4,392 |
| Noninterest income to average assets | 0.7604% | 2,368 |
| Noninterest expense to average assets | 3.8446% | 1,150 |
| Loan and lease loss provision to assets | 0.4746% | 1,341 |
| Net operating income to assets | -0.4766% | 6,722 |
| Return on assets (ROA) | -0.4301% | 6,748 |
| Pretax return on assets | -0.4301% | 6,717 |
| Return on Equity (ROE) | -4.5524% | 6,756 |
| Retained earnings to average equity (ytd only) | -7.9154% | 6,764 |
| Net charge-offs to loans | 0.2446% | 3,104 |
| Credit loss provision to net charge-offs | 278.4091% | 1,056 |
| Earnings coverage of net charge-offs (x) | -0.0114% | 5,085 |
| Efficiency ratio | 100.0504% | 558 |
| Assets per employee ($millions) | 3.9995% | 3,878 |
| Cash dividends to net income (ytd only)* | -73.8739% | 7,223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9344% | 2,432 |
| Loan loss allowance to noncurrent loans | 30.6798% | 6,125 |
| Noncurrent assets plus other real estate owned to assets | 6.3683% | 647 |
| Noncurrent loans to loans | 6.3052% | 678 |
| Net loans and leases to total assets | 66.2702% | 2,617 |
| Net loans and leases to deposits | 72.8537% | 3,478 |
| Net loans and leases to core deposits | 76.9730% | 3,663 |
| Total domestic deposits to total assets | 90.9635% | 458 |
| Equity capital to assets | 8.9549% | 5,750 |
| Core capital (leverage) ratio | 8.6112% | 5,500 |
| Tier 1 risk-based capital ratio | 11.4349% | 6,257 |
| Total risk-based capital ratio | 12.6636% | 6,246 |
| Memoranda: | ||
| Average total assets | $206,471,330 | 3,014 |
| Average earning assets | $178,396,670 | 3,156 |
| Average equity | $19,506,330 | 3,282 |
| Average total loans | $143,918,670 | 2,707 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6907% | 3,090 |
| Cost of funding earning assets | 1.1755% | 1,083 |
| Net interest margin | 3.5152% | 4,616 |
| Noninterest income to average assets | 0.7736% | 2,282 |
| Noninterest expense to average assets | 2.9472% | 3,458 |
| Loan and lease loss provision to assets | 0.5498% | 1,071 |
| Net operating income to assets | 0.3181% | 5,597 |
| Return on assets (ROA) | 0.4123% | 5,392 |
| Pretax return on assets | 0.4123% | 5,686 |
| Return on Equity (ROE) | 4.2492% | 5,163 |
| Retained earnings to average equity (ytd only) | 2.8126% | 4,849 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2517% | 2,610 |
| Assets per employee ($millions) | 3.9973% | 4,016 |
| Cash dividends to net income (ytd only)* | 33.8095% | 1,963 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9092% | 2,652 |
| Loan loss allowance to noncurrent loans | 35.3252% | 5,893 |
| Noncurrent assets plus other real estate owned to assets | 6.7427% | 651 |
| Noncurrent loans to loans | 5.4047% | 998 |
| Net loans and leases to total assets | 66.3751% | 2,395 |
| Net loans and leases to deposits | 73.2874% | 3,236 |
| Net loans and leases to core deposits | 76.7942% | 3,506 |
| Total domestic deposits to total assets | 90.5682% | 766 |
| Equity capital to assets | 9.3138% | 5,076 |
| Core capital (leverage) ratio | 9.5102% | 4,033 |
| Tier 1 risk-based capital ratio | 11.7801% | 6,102 |
| Total risk-based capital ratio | 12.9721% | 6,126 |
| Memoranda: | ||
| Average total assets | $203,720,500 | 3,062 |
| Average earning assets | $176,264,500 | 3,204 |
| Average equity | $19,768,500 | 3,254 |
| Average total loans | $144,255,000 | 2,716 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0799% | 2,531 |
| Cost of funding earning assets | 1.2593% | 1,686 |
| Net interest margin | 3.8206% | 3,722 |
| Noninterest income to average assets | 1.0554% | 1,204 |
| Noninterest expense to average assets | 3.6943% | 1,547 |
| Loan and lease loss provision to assets | 0.4325% | 2,439 |
| Net operating income to assets | 0.2221% | 5,522 |
| Return on assets (ROA) | 0.3006% | 5,401 |
| Pretax return on assets | 0.3006% | 5,554 |
| Return on Equity (ROE) | 2.9457% | 5,310 |
| Retained earnings to average equity (ytd only) | 2.9457% | 4,142 |
| Net charge-offs to loans | 0.4961% | 3,011 |
| Credit loss provision to net charge-offs | 120.5882% | 2,640 |
| Earnings coverage of net charge-offs (x) | 1.8250% | 4,412 |
| Efficiency ratio | 84.9485% | 1,670 |
| Assets per employee ($millions) | 3.6902% | 4,571 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6927% | 3,232 |
| Loan loss allowance to noncurrent loans | 32.4142% | 6,050 |
| Noncurrent assets plus other real estate owned to assets | 7.6980% | 554 |
| Noncurrent loans to loans | 5.2221% | 1,044 |
| Net loans and leases to total assets | 72.9588% | 1,461 |
| Net loans and leases to deposits | 81.3031% | 2,306 |
| Net loans and leases to core deposits | 85.1362% | 2,734 |
| Total domestic deposits to total assets | 89.7368% | 1,141 |
| Equity capital to assets | 10.1261% | 3,999 |
| Core capital (leverage) ratio | 9.9103% | 3,440 |
| Tier 1 risk-based capital ratio | 11.7519% | 5,992 |
| Total risk-based capital ratio | 12.8262% | 6,101 |
| Memoranda: | ||
| Average total assets | $189,590,800 | 3,188 |
| Average earning assets | $163,429,000 | 3,342 |
| Average equity | $19,350,400 | 3,236 |
| Average total loans | $137,073,400 | 2,856 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0872% | 2,670 |
| Cost of funding earning assets | 1.2702% | 1,860 |
| Net interest margin | 3.8171% | 3,786 |
| Noninterest income to average assets | 0.8691% | 1,757 |
| Noninterest expense to average assets | 3.3649% | 2,291 |
| Loan and lease loss provision to assets | 0.3828% | 2,562 |
| Net operating income to assets | 0.4083% | 4,960 |
| Return on assets (ROA) | 0.5139% | 4,670 |
| Pretax return on assets | 0.5139% | 5,122 |
| Return on Equity (ROE) | 5.0250% | 4,518 |
| Retained earnings to average equity (ytd only) | 5.0250% | 3,156 |
| Net charge-offs to loans | 0.5114% | 2,715 |
| Credit loss provision to net charge-offs | 104.2471% | 3,194 |
| Earnings coverage of net charge-offs (x) | 2.1544% | 4,057 |
| Efficiency ratio | 80.9654% | 2,110 |
| Assets per employee ($millions) | 3.6298% | 4,678 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6732% | 3,364 |
| Loan loss allowance to noncurrent loans | 29.8152% | 6,266 |
| Noncurrent assets plus other real estate owned to assets | 8.4308% | 498 |
| Noncurrent loans to loans | 5.6119% | 1,045 |
| Net loans and leases to total assets | 71.4496% | 1,826 |
| Net loans and leases to deposits | 79.8052% | 2,681 |
| Net loans and leases to core deposits | 83.5059% | 3,128 |
| Total domestic deposits to total assets | 89.5300% | 1,128 |
| Equity capital to assets | 10.3483% | 3,901 |
| Core capital (leverage) ratio | 10.0107% | 3,428 |
| Tier 1 risk-based capital ratio | 12.1100% | 5,811 |
| Total risk-based capital ratio | 13.1562% | 5,943 |
| Memoranda: | ||
| Average total assets | $188,092,750 | 3,227 |
| Average earning assets | $161,970,000 | 3,387 |
| Average equity | $19,236,750 | 3,253 |
| Average total loans | $135,053,750 | 2,921 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0319% | 3,003 |
| Cost of funding earning assets | 1.2745% | 2,087 |
| Net interest margin | 3.7574% | 4,001 |
| Noninterest income to average assets | 0.8239% | 1,916 |
| Noninterest expense to average assets | 3.2475% | 2,731 |
| Loan and lease loss provision to assets | 0.3857% | 2,484 |
| Net operating income to assets | 0.4221% | 4,847 |
| Return on assets (ROA) | 0.4221% | 4,997 |
| Pretax return on assets | 0.4221% | 5,330 |
| Return on Equity (ROE) | 4.1445% | 4,859 |
| Retained earnings to average equity (ytd only) | 4.1445% | 3,557 |
| Net charge-offs to loans | 0.2982% | 3,379 |
| Credit loss provision to net charge-offs | 180.9045% | 1,666 |
| Earnings coverage of net charge-offs (x) | 3.7889% | 3,053 |
| Efficiency ratio | 80.0793% | 2,378 |
| Assets per employee ($millions) | 3.4749% | 5,002 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8417% | 2,855 |
| Loan loss allowance to noncurrent loans | 26.8851% | 6,429 |
| Noncurrent assets plus other real estate owned to assets | 9.6726% | 417 |
| Noncurrent loans to loans | 6.8503% | 768 |
| Net loans and leases to total assets | 69.1048% | 2,393 |
| Net loans and leases to deposits | 77.0120% | 3,290 |
| Net loans and leases to core deposits | 80.2829% | 3,750 |
| Total domestic deposits to total assets | 89.7325% | 1,107 |
| Equity capital to assets | 10.1985% | 3,881 |
| Core capital (leverage) ratio | 9.9815% | 3,285 |
| Tier 1 risk-based capital ratio | 12.1694% | 5,642 |
| Total risk-based capital ratio | 13.3023% | 5,711 |
| Memoranda: | ||
| Average total assets | $186,664,000 | 3,275 |
| Average earning assets | $160,534,670 | 3,432 |
| Average equity | $19,013,000 | 3,265 |
| Average total loans | $133,474,000 | 2,973 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3791% | 1,646 |
| Cost of funding earning assets | 1.2778% | 2,319 |
| Net interest margin | 4.1013% | 2,262 |
| Noninterest income to average assets | 0.8046% | 2,015 |
| Noninterest expense to average assets | 3.2098% | 2,865 |
| Loan and lease loss provision to assets | 0.3904% | 2,235 |
| Net operating income to assets | 0.7547% | 3,247 |
| Return on assets (ROA) | 0.7547% | 3,312 |
| Pretax return on assets | 0.7547% | 4,080 |
| Return on Equity (ROE) | 7.4145% | 3,192 |
| Retained earnings to average equity (ytd only) | 7.4145% | 1,979 |
| Net charge-offs to loans | 0.0602% | 4,327 |
| Credit loss provision to net charge-offs | 900.0000% | 420 |
| Earnings coverage of net charge-offs (x) | 26.4000% | 924 |
| Efficiency ratio | 73.7052% | 3,571 |
| Assets per employee ($millions) | 3.3533% | 5,352 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8961% | 2,703 |
| Loan loss allowance to noncurrent loans | 42.3999% | 5,472 |
| Noncurrent assets plus other real estate owned to assets | 8.5740% | 529 |
| Noncurrent loans to loans | 4.4720% | 1,570 |
| Net loans and leases to total assets | 69.4887% | 2,224 |
| Net loans and leases to deposits | 77.7229% | 3,111 |
| Net loans and leases to core deposits | 81.1435% | 3,584 |
| Total domestic deposits to total assets | 89.4057% | 1,531 |
| Equity capital to assets | 10.3779% | 3,314 |
| Core capital (leverage) ratio | 10.2234% | 2,908 |
| Tier 1 risk-based capital ratio | 12.6486% | 5,116 |
| Total risk-based capital ratio | 13.8283% | 5,166 |
| Memoranda: | ||
| Average total assets | $184,437,500 | 3,333 |
| Average earning assets | $159,655,000 | 3,473 |
| Average equity | $18,774,000 | 3,287 |
| Average total loans | $132,936,500 | 3,022 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0055% | 4,533 |
| Cost of funding earning assets | 1.4951% | 2,673 |
| Net interest margin | 3.5104% | 5,207 |
| Noninterest income to average assets | 0.6381% | 3,224 |
| Noninterest expense to average assets | 3.0299% | 3,732 |
| Loan and lease loss provision to assets | 0.5124% | 3,102 |
| Net operating income to assets | 0.2244% | 5,204 |
| Return on assets (ROA) | 0.2382% | 5,298 |
| Pretax return on assets | 0.2382% | 5,385 |
| Return on Equity (ROE) | 2.4097% | 5,217 |
| Retained earnings to average equity (ytd only) | 2.4097% | 4,186 |
| Net charge-offs to loans | 0.8388% | 2,534 |
| Credit loss provision to net charge-offs | 80.7018% | 5,537 |
| Earnings coverage of net charge-offs (x) | 1.1604% | 4,947 |
| Efficiency ratio | 80.4394% | 2,357 |
| Assets per employee ($millions) | 3.3535% | 5,294 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7133% | 3,165 |
| Loan loss allowance to noncurrent loans | 61.6715% | 4,325 |
| Noncurrent assets plus other real estate owned to assets | 6.8129% | 819 |
| Noncurrent loans to loans | 2.7781% | 2,746 |
| Net loans and leases to total assets | 72.0654% | 2,092 |
| Net loans and leases to deposits | 80.4417% | 3,086 |
| Net loans and leases to core deposits | 83.8327% | 3,623 |
| Total domestic deposits to total assets | 89.5871% | 1,335 |
| Equity capital to assets | 9.9802% | 3,763 |
| Core capital (leverage) ratio | 9.8957% | 3,214 |
| Tier 1 risk-based capital ratio | 12.3487% | 5,164 |
| Total risk-based capital ratio | 13.4468% | 5,273 |
| Memoranda: | ||
| Average total assets | $188,519,200 | 3,252 |
| Average earning assets | $168,016,000 | 3,315 |
| Average equity | $18,633,400 | 3,327 |
| Average total loans | $142,703,400 | 2,889 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9515% | 5,032 |
| Cost of funding earning assets | 1.5278% | 2,789 |
| Net interest margin | 3.4237% | 5,591 |
| Noninterest income to average assets | 0.6401% | 3,185 |
| Noninterest expense to average assets | 2.9890% | 3,790 |
| Loan and lease loss provision to assets | 0.5529% | 2,735 |
| Net operating income to assets | 0.1597% | 5,619 |
| Return on assets (ROA) | 0.1597% | 5,774 |
| Pretax return on assets | 0.1597% | 5,814 |
| Return on Equity (ROE) | 1.6194% | 5,726 |
| Retained earnings to average equity (ytd only) | 1.6194% | 5,141 |
| Net charge-offs to loans | 0.9140% | 2,167 |
| Credit loss provision to net charge-offs | 79.3138% | 5,159 |
| Earnings coverage of net charge-offs (x) | 1.0222% | 5,038 |
| Efficiency ratio | 80.7488% | 2,251 |
| Assets per employee ($millions) | 3.4366% | 5,125 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7230% | 3,088 |
| Loan loss allowance to noncurrent loans | 31.0701% | 6,276 |
| Noncurrent assets plus other real estate owned to assets | 6.8678% | 793 |
| Noncurrent loans to loans | 5.5455% | 1,191 |
| Net loans and leases to total assets | 70.7047% | 2,564 |
| Net loans and leases to deposits | 78.6110% | 3,708 |
| Net loans and leases to core deposits | 82.4929% | 4,166 |
| Total domestic deposits to total assets | 89.9425% | 910 |
| Equity capital to assets | 9.9845% | 4,174 |
| Core capital (leverage) ratio | 9.6160% | 3,743 |
| Tier 1 risk-based capital ratio | 12.4482% | 5,035 |
| Total risk-based capital ratio | 13.5804% | 5,119 |
| Memoranda: | ||
| Average total assets | $189,537,750 | 3,280 |
| Average earning assets | $169,480,250 | 3,330 |
| Average equity | $18,689,750 | 3,361 |
| Average total loans | $144,569,750 | 2,901 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9855% | 5,008 |
| Cost of funding earning assets | 1.5711% | 2,826 |
| Net interest margin | 3.4144% | 5,580 |
| Noninterest income to average assets | 0.6304% | 3,125 |
| Noninterest expense to average assets | 2.9487% | 3,897 |
| Loan and lease loss provision to assets | 0.3795% | 3,438 |
| Net operating income to assets | 0.3447% | 4,991 |
| Return on assets (ROA) | 0.3447% | 5,161 |
| Pretax return on assets | 0.3447% | 5,388 |
| Return on Equity (ROE) | 3.5107% | 5,012 |
| Retained earnings to average equity (ytd only) | 3.5107% | 3,874 |
| Net charge-offs to loans | 0.3513% | 3,595 |
| Credit loss provision to net charge-offs | 138.9961% | 2,885 |
| Earnings coverage of net charge-offs (x) | 2.6525% | 3,672 |
| Efficiency ratio | 80.2813% | 2,406 |
| Assets per employee ($millions) | 3.4502% | 5,041 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8654% | 2,523 |
| Loan loss allowance to noncurrent loans | 30.2639% | 6,349 |
| Noncurrent assets plus other real estate owned to assets | 7.0204% | 754 |
| Noncurrent loans to loans | 6.1637% | 1,022 |
| Net loans and leases to total assets | 73.4392% | 2,048 |
| Net loans and leases to deposits | 81.6498% | 3,323 |
| Net loans and leases to core deposits | 86.2610% | 3,795 |
| Total domestic deposits to total assets | 89.9442% | 944 |
| Equity capital to assets | 9.8877% | 4,156 |
| Core capital (leverage) ratio | 9.6251% | 3,648 |
| Tier 1 risk-based capital ratio | 12.1984% | 5,132 |
| Total risk-based capital ratio | 13.4543% | 5,095 |
| Memoranda: | ||
| Average total assets | $189,712,670 | 3,309 |
| Average earning assets | $169,050,000 | 3,354 |
| Average equity | $18,629,000 | 3,358 |
| Average total loans | $147,431,670 | 2,877 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1011% | 4,519 |
| Cost of funding earning assets | 1.6647% | 2,570 |
| Net interest margin | 3.4363% | 5,442 |
| Noninterest income to average assets | 0.8182% | 1,938 |
| Noninterest expense to average assets | 2.9923% | 3,710 |
| Loan and lease loss provision to assets | 0.3796% | 3,090 |
| Net operating income to assets | 0.4977% | 4,400 |
| Return on assets (ROA) | 0.4977% | 4,539 |
| Pretax return on assets | 0.4977% | 4,970 |
| Return on Equity (ROE) | 5.0857% | 4,318 |
| Retained earnings to average equity (ytd only) | 5.0857% | 3,110 |
| Net charge-offs to loans | 0.5115% | 2,534 |
| Credit loss provision to net charge-offs | 93.7500% | 3,569 |
| Earnings coverage of net charge-offs (x) | 2.1667% | 3,451 |
| Efficiency ratio | 77.3297% | 3,012 |
| Assets per employee ($millions) | 3.4784% | 5,079 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7205% | 2,986 |
| Loan loss allowance to noncurrent loans | 33.2155% | 6,190 |
| Noncurrent assets plus other real estate owned to assets | 7.5814% | 666 |
| Noncurrent loans to loans | 5.1799% | 1,383 |
| Net loans and leases to total assets | 75.7207% | 1,604 |
| Net loans and leases to deposits | 84.0652% | 2,930 |
| Net loans and leases to core deposits | 88.6755% | 3,540 |
| Total domestic deposits to total assets | 90.0738% | 950 |
| Equity capital to assets | 9.7747% | 4,144 |
| Core capital (leverage) ratio | 9.5710% | 3,678 |
| Tier 1 risk-based capital ratio | 11.5487% | 5,632 |
| Total risk-based capital ratio | 12.8028% | 5,601 |
| Memoranda: | ||
| Average total assets | $189,688,500 | 3,368 |
| Average earning assets | $168,435,500 | 3,425 |
| Average equity | $18,562,000 | 3,385 |
| Average total loans | $150,143,500 | 2,894 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4673% | 4,345 |
| Cost of funding earning assets | 2.0600% | 2,684 |
| Net interest margin | 3.4073% | 5,338 |
| Noninterest income to average assets | 0.7297% | 2,790 |
| Noninterest expense to average assets | 2.9626% | 4,294 |
| Loan and lease loss provision to assets | 1.7016% | 1,342 |
| Net operating income to assets | -0.8325% | 6,462 |
| Return on assets (ROA) | -0.6937% | 6,356 |
| Pretax return on assets | -0.6937% | 6,181 |
| Return on Equity (ROE) | -7.7817% | 6,454 |
| Retained earnings to average equity (ytd only) | -7.7817% | 6,327 |
| Net charge-offs to loans | 1.5515% | 1,624 |
| Credit loss provision to net charge-offs | 132.4665% | 3,781 |
| Earnings coverage of net charge-offs (x) | 0.6766% | 5,418 |
| Efficiency ratio | 77.3192% | 3,307 |
| Assets per employee ($millions) | 3.3583% | 5,344 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6666% | 3,022 |
| Loan loss allowance to noncurrent loans | 32.1433% | 6,309 |
| Noncurrent assets plus other real estate owned to assets | 7.7090% | 611 |
| Noncurrent loans to loans | 5.1848% | 1,284 |
| Net loans and leases to total assets | 79.9406% | 1,003 |
| Net loans and leases to deposits | 88.8167% | 2,418 |
| Net loans and leases to core deposits | 116.9141% | 2,231 |
| Total domestic deposits to total assets | 90.0062% | 956 |
| Equity capital to assets | 9.7966% | 4,008 |
| Core capital (leverage) ratio | 9.7012% | 3,451 |
| Tier 1 risk-based capital ratio | 11.2017% | 5,718 |
| Total risk-based capital ratio | 12.4484% | 5,677 |
| Memoranda: | ||
| Average total assets | $191,588,600 | 3,271 |
| Average earning assets | $174,418,000 | 3,287 |
| Average equity | $17,078,600 | 3,656 |
| Average total loans | $158,623,000 | 2,784 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5498% | 4,157 |
| Cost of funding earning assets | 2.1162% | 2,819 |
| Net interest margin | 3.4337% | 5,138 |
| Noninterest income to average assets | 0.6830% | 3,134 |
| Noninterest expense to average assets | 2.8790% | 4,542 |
| Loan and lease loss provision to assets | 2.0540% | 869 |
| Net operating income to assets | -1.1049% | 6,901 |
| Return on assets (ROA) | -0.9241% | 6,782 |
| Pretax return on assets | -0.9241% | 6,621 |
| Return on Equity (ROE) | -10.6235% | 6,937 |
| Retained earnings to average equity (ytd only) | -10.6235% | 6,862 |
| Net charge-offs to loans | 1.7435% | 1,160 |
| Credit loss provision to net charge-offs | 141.6627% | 3,460 |
| Earnings coverage of net charge-offs (x) | 0.6546% | 5,378 |
| Efficiency ratio | 75.2081% | 3,657 |
| Assets per employee ($millions) | 3.3766% | 5,212 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6110% | 2,948 |
| Loan loss allowance to noncurrent loans | 31.6393% | 6,337 |
| Noncurrent assets plus other real estate owned to assets | 6.2679% | 834 |
| Noncurrent loans to loans | 5.0918% | 1,278 |
| Net loans and leases to total assets | 84.6539% | 469 |
| Net loans and leases to deposits | 92.8632% | 2,081 |
| Net loans and leases to core deposits | 119.1205% | 2,322 |
| Total domestic deposits to total assets | 91.1598% | 357 |
| Equity capital to assets | 8.4959% | 6,261 |
| Core capital (leverage) ratio | 8.0168% | 6,335 |
| Tier 1 risk-based capital ratio | 9.1595% | 7,555 |
| Total risk-based capital ratio | 10.4125% | 7,556 |
| Memoranda: | ||
| Average total assets | $192,469,250 | 3,285 |
| Average earning assets | $176,289,500 | 3,287 |
| Average equity | $16,742,250 | 3,760 |
| Average total loans | $160,056,500 | 2,788 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4365% | 4,958 |
| Cost of funding earning assets | 2.1555% | 3,012 |
| Net interest margin | 3.2810% | 5,620 |
| Noninterest income to average assets | 0.7624% | 2,639 |
| Noninterest expense to average assets | 2.7687% | 5,097 |
| Loan and lease loss provision to assets | 1.1767% | 1,460 |
| Net operating income to assets | -0.1653% | 6,128 |
| Return on assets (ROA) | 0.0713% | 5,740 |
| Pretax return on assets | 0.0713% | 5,738 |
| Return on Equity (ROE) | 0.8133% | 5,688 |
| Retained earnings to average equity (ytd only) | 0.8133% | 4,867 |
| Net charge-offs to loans | 0.2877% | 3,754 |
| Credit loss provision to net charge-offs | 497.3799% | 938 |
| Earnings coverage of net charge-offs (x) | 4.2751% | 3,151 |
| Efficiency ratio | 73.2441% | 4,153 |
| Assets per employee ($millions) | 3.4491% | 4,950 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6175% | 2,671 |
| Loan loss allowance to noncurrent loans | 26.4735% | 6,738 |
| Noncurrent assets plus other real estate owned to assets | 6.5151% | 699 |
| Noncurrent loans to loans | 6.1099% | 887 |
| Net loans and leases to total assets | 83.7324% | 678 |
| Net loans and leases to deposits | 92.0961% | 2,458 |
| Net loans and leases to core deposits | 115.9779% | 2,712 |
| Total domestic deposits to total assets | 90.9185% | 479 |
| Equity capital to assets | 8.7201% | 5,727 |
| Core capital (leverage) ratio | 8.6838% | 5,118 |
| Tier 1 risk-based capital ratio | 9.9206% | 7,019 |
| Total risk-based capital ratio | 11.1746% | 6,939 |
| Memoranda: | ||
| Average total assets | $193,595,330 | 3,298 |
| Average earning assets | $178,057,330 | 3,284 |
| Average equity | $16,968,000 | 3,717 |
| Average total loans | $159,177,330 | 2,835 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4220% | 5,307 |
| Cost of funding earning assets | 2.2310% | 3,009 |
| Net interest margin | 3.1910% | 5,884 |
| Noninterest income to average assets | 0.7141% | 2,798 |
| Noninterest expense to average assets | 2.8955% | 4,171 |
| Loan and lease loss provision to assets | 0.5366% | 2,326 |
| Net operating income to assets | 0.2250% | 5,582 |
| Return on assets (ROA) | 0.5531% | 4,390 |
| Pretax return on assets | 0.5531% | 4,903 |
| Return on Equity (ROE) | 6.2946% | 3,907 |
| Retained earnings to average equity (ytd only) | 4.9323% | 3,171 |
| Net charge-offs to loans | 0.6591% | 1,865 |
| Credit loss provision to net charge-offs | 100.7752% | 3,696 |
| Earnings coverage of net charge-offs (x) | 1.4302% | 4,019 |
| Efficiency ratio | 79.1761% | 2,970 |
| Assets per employee ($millions) | 3.4534% | 4,930 |
| Cash dividends to net income (ytd only)* | 21.6418% | 2,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1077% | 5,411 |
| Loan loss allowance to noncurrent loans | 26.3387% | 6,816 |
| Noncurrent assets plus other real estate owned to assets | 4.8818% | 943 |
| Noncurrent loans to loans | 4.2056% | 1,410 |
| Net loans and leases to total assets | 80.8331% | 1,229 |
| Net loans and leases to deposits | 88.9959% | 3,107 |
| Net loans and leases to core deposits | 111.4872% | 3,261 |
| Total domestic deposits to total assets | 90.8279% | 469 |
| Equity capital to assets | 8.8717% | 5,523 |
| Core capital (leverage) ratio | 8.7716% | 5,032 |
| Tier 1 risk-based capital ratio | 10.2033% | 6,717 |
| Total risk-based capital ratio | 11.2445% | 6,832 |
| Memoranda: | ||
| Average total assets | $193,817,500 | 3,314 |
| Average earning assets | $178,753,000 | 3,297 |
| Average equity | $17,030,500 | 3,729 |
| Average total loans | $156,571,500 | 2,900 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1519% | 4,768 |
| Cost of funding earning assets | 2.9172% | 2,190 |
| Net interest margin | 3.2347% | 6,259 |
| Noninterest income to average assets | 0.6256% | 3,671 |
| Noninterest expense to average assets | 2.5798% | 5,720 |
| Loan and lease loss provision to assets | 0.5872% | 2,474 |
| Net operating income to assets | 0.4811% | 4,823 |
| Return on assets (ROA) | 0.4938% | 4,601 |
| Pretax return on assets | 0.4938% | 4,991 |
| Return on Equity (ROE) | 5.9104% | 3,978 |
| Retained earnings to average equity (ytd only) | 1.8575% | 4,070 |
| Net charge-offs to loans | 0.3229% | 3,238 |
| Credit loss provision to net charge-offs | 245.3252% | 1,901 |
| Earnings coverage of net charge-offs (x) | 4.4634% | 3,975 |
| Efficiency ratio | 70.7161% | 4,193 |
| Assets per employee ($millions) | 3.3490% | 5,093 |
| Cash dividends to net income (ytd only)* | 68.5714% | 2,246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1279% | 5,080 |
| Loan loss allowance to noncurrent loans | 29.3456% | 6,740 |
| Noncurrent assets plus other real estate owned to assets | 3.2485% | 1,403 |
| Noncurrent loans to loans | 3.8435% | 1,291 |
| Net loans and leases to total assets | 78.9311% | 1,906 |
| Net loans and leases to deposits | 86.7405% | 3,999 |
| Net loans and leases to core deposits | 111.1861% | 3,655 |
| Total domestic deposits to total assets | 90.9969% | 329 |
| Equity capital to assets | 8.7025% | 5,809 |
| Core capital (leverage) ratio | 8.4815% | 5,607 |
| Tier 1 risk-based capital ratio | 10.2767% | 6,444 |
| Total risk-based capital ratio | 11.3372% | 6,511 |
| Memoranda: | ||
| Average total assets | $205,555,600 | 3,060 |
| Average earning assets | $192,070,800 | 3,008 |
| Average equity | $17,173,200 | 3,705 |
| Average total loans | $152,374,600 | 2,883 |