Home > Bank of Turtle Lake > Performance and Condition Ratios
Bank of Turtle Lake, 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 | 3.4623% | 5,706 |
| Cost of funding earning assets | 0.4411% | 4,204 |
| Net interest margin | 3.0212% | 5,527 |
| Noninterest income to average assets | 0.4400% | 4,161 |
| Noninterest expense to average assets | 2.7975% | 3,736 |
| Loan and lease loss provision to assets | -0.0348% | 6,338 |
| Net operating income to assets | 0.5524% | 4,493 |
| Return on assets (ROA) | 0.6154% | 4,306 |
| Pretax return on assets | 0.6321% | 4,763 |
| Return on Equity (ROE) | 7.2965% | 3,410 |
| Retained earnings to average equity (ytd only) | 4.3564% | 3,080 |
| Net charge-offs to loans | 0.0219% | 4,994 |
| Credit loss provision to net charge-offs | -328.5714% | 6,068 |
| Earnings coverage of net charge-offs (x) | 50.2857% | 789 |
| Efficiency ratio | 84.0145% | 1,625 |
| Assets per employee ($millions) | 3.8554% | 4,148 |
| Cash dividends to net income (ytd only)* | 40.2948% | 2,794 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2809% | 4,235 |
| Loan loss allowance to noncurrent loans | 255.3459% | 1,703 |
| Noncurrent assets plus other real estate owned to assets | 0.2487% | 5,521 |
| Noncurrent loans to loans | 0.5016% | 4,741 |
| Net loans and leases to total assets | 47.7411% | 5,318 |
| Net loans and leases to deposits | 52.0667% | 5,617 |
| Net loans and leases to core deposits | 52.5547% | 5,754 |
| Total domestic deposits to total assets | 91.6922% | 356 |
| Equity capital to assets | 8.1628% | 5,897 |
| Core capital (leverage) ratio | 9.0061% | 4,993 |
| Tier 1 risk-based capital ratio | 17.4413% | 2,434 |
| Total risk-based capital ratio | 18.6635% | 2,425 |
| Memoranda: | ||
| Average total assets | $66,130,800 | 5,591 |
| Average earning assets | $63,252,200 | 5,494 |
| Average equity | $5,578,000 | 5,911 |
| Average total loans | $31,898,000 | 5,673 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4490% | 5,786 |
| Cost of funding earning assets | 0.4498% | 4,278 |
| Net interest margin | 2.9992% | 5,600 |
| Noninterest income to average assets | 0.4224% | 4,352 |
| Noninterest expense to average assets | 2.7701% | 3,761 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.5230% | 4,703 |
| Return on assets (ROA) | 0.6075% | 4,439 |
| Pretax return on assets | 0.6075% | 4,986 |
| Return on Equity (ROE) | 7.1457% | 3,564 |
| Retained earnings to average equity (ytd only) | 7.1457% | 1,809 |
| Net charge-offs to loans | 0.0042% | 5,111 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 260.6466% | 225 |
| Efficiency ratio | 84.1173% | 1,579 |
| Assets per employee ($millions) | 3.8769% | 4,082 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3461% | 4,156 |
| Loan loss allowance to noncurrent loans | 83.9458% | 3,933 |
| Noncurrent assets plus other real estate owned to assets | 0.7905% | 4,129 |
| Noncurrent loans to loans | 1.6035% | 2,771 |
| Net loans and leases to total assets | 48.2604% | 5,323 |
| Net loans and leases to deposits | 52.7996% | 5,643 |
| Net loans and leases to core deposits | 53.0612% | 5,825 |
| Total domestic deposits to total assets | 91.4030% | 391 |
| Equity capital to assets | 8.3330% | 5,888 |
| Core capital (leverage) ratio | 9.0459% | 5,056 |
| Tier 1 risk-based capital ratio | 17.7186% | 2,432 |
| Total risk-based capital ratio | 18.9689% | 2,396 |
| Memoranda: | ||
| Average total assets | $66,278,250 | 5,640 |
| Average earning assets | $63,437,000 | 5,548 |
| Average equity | $5,635,000 | 5,962 |
| Average total loans | $31,948,500 | 5,726 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4302% | 5,839 |
| Cost of funding earning assets | 0.4626% | 4,283 |
| Net interest margin | 2.9676% | 5,653 |
| Noninterest income to average assets | 0.4066% | 4,477 |
| Noninterest expense to average assets | 2.8282% | 3,579 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.4187% | 5,143 |
| Return on assets (ROA) | 0.5482% | 4,728 |
| Pretax return on assets | 0.5482% | 5,205 |
| Return on Equity (ROE) | 6.4054% | 3,931 |
| Retained earnings to average equity (ytd only) | 6.4054% | 2,199 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.1058% | 1,313 |
| Assets per employee ($millions) | 3.7420% | 4,319 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3593% | 4,216 |
| Loan loss allowance to noncurrent loans | 74.0238% | 4,251 |
| Noncurrent assets plus other real estate owned to assets | 0.9259% | 3,932 |
| Noncurrent loans to loans | 1.8363% | 2,588 |
| Net loans and leases to total assets | 49.7359% | 5,134 |
| Net loans and leases to deposits | 54.4608% | 5,479 |
| Net loans and leases to core deposits | 54.7397% | 5,690 |
| Total domestic deposits to total assets | 91.3242% | 433 |
| Equity capital to assets | 8.4588% | 5,810 |
| Core capital (leverage) ratio | 8.8353% | 5,239 |
| Tier 1 risk-based capital ratio | 17.5771% | 2,488 |
| Total risk-based capital ratio | 18.8278% | 2,452 |
| Memoranda: | ||
| Average total assets | $66,402,000 | 5,675 |
| Average earning assets | $63,552,330 | 5,582 |
| Average equity | $5,682,670 | 6,000 |
| Average total loans | $31,851,000 | 5,761 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3861% | 5,975 |
| Cost of funding earning assets | 0.4696% | 4,376 |
| Net interest margin | 2.9165% | 5,779 |
| Noninterest income to average assets | 0.4012% | 4,445 |
| Noninterest expense to average assets | 2.7435% | 3,906 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.4425% | 4,949 |
| Return on assets (ROA) | 0.4425% | 5,109 |
| Pretax return on assets | 0.4425% | 5,433 |
| Return on Equity (ROE) | 5.1427% | 4,493 |
| Retained earnings to average equity (ytd only) | 5.1427% | 3,148 |
| Net charge-offs to loans | 0.0126% | 3,894 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 75.0000% | 493 |
| Efficiency ratio | 86.1111% | 1,504 |
| Assets per employee ($millions) | 3.9971% | 3,952 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3908% | 4,289 |
| Loan loss allowance to noncurrent loans | 302.0833% | 1,314 |
| Noncurrent assets plus other real estate owned to assets | 0.2119% | 5,929 |
| Noncurrent loans to loans | 0.4604% | 5,270 |
| Net loans and leases to total assets | 45.3893% | 5,501 |
| Net loans and leases to deposits | 49.7773% | 5,803 |
| Net loans and leases to core deposits | 50.0154% | 5,973 |
| Total domestic deposits to total assets | 91.1847% | 451 |
| Equity capital to assets | 8.6107% | 5,908 |
| Core capital (leverage) ratio | 8.1692% | 5,964 |
| Tier 1 risk-based capital ratio | 17.1985% | 2,677 |
| Total risk-based capital ratio | 18.4486% | 2,643 |
| Memoranda: | ||
| Average total assets | $67,796,000 | 5,693 |
| Average earning assets | $64,735,500 | 5,589 |
| Average equity | $5,833,500 | 6,022 |
| Average total loans | $31,739,000 | 5,806 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9003% | 5,570 |
| Cost of funding earning assets | 0.5496% | 4,822 |
| Net interest margin | 3.3507% | 5,070 |
| Noninterest income to average assets | 0.4499% | 4,245 |
| Noninterest expense to average assets | 3.0129% | 3,223 |
| Loan and lease loss provision to assets | 0.0303% | 5,519 |
| Net operating income to assets | 0.5647% | 4,409 |
| Return on assets (ROA) | 0.6983% | 3,997 |
| Pretax return on assets | 0.7104% | 4,635 |
| Return on Equity (ROE) | 7.8191% | 3,176 |
| Retained earnings to average equity (ytd only) | -1.2551% | 6,051 |
| Net charge-offs to loans | 0.0374% | 5,397 |
| Credit loss provision to net charge-offs | 166.6667% | 1,592 |
| Earnings coverage of net charge-offs (x) | 33.2500% | 936 |
| Efficiency ratio | 83.2915% | 1,710 |
| Assets per employee ($millions) | 3.9789% | 3,996 |
| Cash dividends to net income (ytd only)* | 116.0521% | 347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3540% | 4,383 |
| Loan loss allowance to noncurrent loans | 1,362.5000% | 366 |
| Noncurrent assets plus other real estate owned to assets | 0.0473% | 6,518 |
| Noncurrent loans to loans | 0.0994% | 6,240 |
| Net loans and leases to total assets | 46.9605% | 5,512 |
| Net loans and leases to deposits | 51.4763% | 5,849 |
| Net loans and leases to core deposits | 51.7227% | 6,033 |
| Total domestic deposits to total assets | 91.2273% | 420 |
| Equity capital to assets | 8.5982% | 5,968 |
| Core capital (leverage) ratio | 8.5479% | 5,545 |
| Tier 1 risk-based capital ratio | 16.3390% | 2,975 |
| Total risk-based capital ratio | 17.5899% | 2,933 |
| Memoranda: | ||
| Average total assets | $66,015,800 | 5,739 |
| Average earning assets | $62,405,600 | 5,652 |
| Average equity | $5,895,800 | 6,049 |
| Average total loans | $32,101,400 | 5,849 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9804% | 5,571 |
| Cost of funding earning assets | 0.5711% | 4,903 |
| Net interest margin | 3.4093% | 5,006 |
| Noninterest income to average assets | 0.4389% | 4,374 |
| Noninterest expense to average assets | 2.9243% | 3,503 |
| Loan and lease loss provision to assets | 0.0203% | 5,544 |
| Net operating income to assets | 0.7129% | 3,861 |
| Return on assets (ROA) | 0.8718% | 3,367 |
| Pretax return on assets | 0.8820% | 4,184 |
| Return on Equity (ROE) | 9.6689% | 2,510 |
| Retained earnings to average equity (ytd only) | 0.9918% | 5,776 |
| Net charge-offs to loans | 0.0125% | 5,529 |
| Credit loss provision to net charge-offs | 333.3333% | 795 |
| Earnings coverage of net charge-offs (x) | 121.6625% | 355 |
| Efficiency ratio | 79.7672% | 2,130 |
| Assets per employee ($millions) | 3.8934% | 4,102 |
| Cash dividends to net income (ytd only)* | 89.7428% | 462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3350% | 4,652 |
| Loan loss allowance to noncurrent loans | 384.9558% | 976 |
| Noncurrent assets plus other real estate owned to assets | 0.1707% | 6,279 |
| Noncurrent loans to loans | 0.3468% | 5,784 |
| Net loans and leases to total assets | 48.5730% | 5,481 |
| Net loans and leases to deposits | 53.5817% | 5,837 |
| Net loans and leases to core deposits | 53.8446% | 6,059 |
| Total domestic deposits to total assets | 90.6522% | 537 |
| Equity capital to assets | 9.0622% | 5,762 |
| Core capital (leverage) ratio | 8.7675% | 5,384 |
| Tier 1 risk-based capital ratio | 16.9259% | 2,772 |
| Total risk-based capital ratio | 18.1769% | 2,732 |
| Memoranda: | ||
| Average total assets | $65,609,250 | 5,824 |
| Average earning assets | $62,102,750 | 5,736 |
| Average equity | $5,915,750 | 6,110 |
| Average total loans | $32,076,500 | 5,924 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0028% | 5,626 |
| Cost of funding earning assets | 0.6036% | 4,874 |
| Net interest margin | 3.3991% | 5,095 |
| Noninterest income to average assets | 0.4280% | 4,446 |
| Noninterest expense to average assets | 2.9717% | 3,367 |
| Loan and lease loss provision to assets | 0.0306% | 5,286 |
| Net operating income to assets | 0.6379% | 4,184 |
| Return on assets (ROA) | 0.8346% | 3,485 |
| Pretax return on assets | 0.8438% | 4,302 |
| Return on Equity (ROE) | 9.2726% | 2,678 |
| Retained earnings to average equity (ytd only) | -0.3736% | 6,099 |
| Net charge-offs to loans | 0.0376% | 4,851 |
| Credit loss provision to net charge-offs | 166.6667% | 1,669 |
| Earnings coverage of net charge-offs (x) | 36.8333% | 934 |
| Efficiency ratio | 81.4753% | 1,968 |
| Assets per employee ($millions) | 3.7471% | 4,426 |
| Cash dividends to net income (ytd only)* | 104.0293% | 383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3417% | 4,697 |
| Loan loss allowance to noncurrent loans | 63.1579% | 4,501 |
| Noncurrent assets plus other real estate owned to assets | 1.1946% | 4,024 |
| Noncurrent loans to loans | 2.1243% | 2,795 |
| Net loans and leases to total assets | 49.8689% | 5,371 |
| Net loans and leases to deposits | 55.1185% | 5,753 |
| Net loans and leases to core deposits | 55.3963% | 5,987 |
| Total domestic deposits to total assets | 90.4758% | 679 |
| Equity capital to assets | 9.2353% | 5,424 |
| Core capital (leverage) ratio | 8.7037% | 5,377 |
| Tier 1 risk-based capital ratio | 17.1192% | 2,618 |
| Total risk-based capital ratio | 18.3698% | 2,581 |
| Memoranda: | ||
| Average total assets | $65,416,670 | 5,867 |
| Average earning assets | $61,956,670 | 5,769 |
| Average equity | $5,888,330 | 6,148 |
| Average total loans | $31,907,330 | 5,969 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0951% | 5,475 |
| Cost of funding earning assets | 0.6305% | 4,885 |
| Net interest margin | 3.4646% | 4,847 |
| Noninterest income to average assets | 0.4225% | 4,502 |
| Noninterest expense to average assets | 2.8488% | 3,829 |
| Loan and lease loss provision to assets | 0.0604% | 4,659 |
| Net operating income to assets | 0.7886% | 3,433 |
| Return on assets (ROA) | 1.1830% | 1,967 |
| Pretax return on assets | 1.1950% | 2,929 |
| Return on Equity (ROE) | 13.3084% | 1,321 |
| Retained earnings to average equity (ytd only) | 5.1604% | 3,466 |
| Net charge-offs to loans | 0.0504% | 3,998 |
| Credit loss provision to net charge-offs | 250.0000% | 1,138 |
| Earnings coverage of net charge-offs (x) | 35.5000% | 824 |
| Efficiency ratio | 76.8730% | 2,669 |
| Assets per employee ($millions) | 3.7708% | 4,493 |
| Cash dividends to net income (ytd only)* | 61.2245% | 1,177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3718% | 4,722 |
| Loan loss allowance to noncurrent loans | 60.1942% | 4,515 |
| Noncurrent assets plus other real estate owned to assets | 1.2449% | 4,060 |
| Noncurrent loans to loans | 2.2790% | 2,821 |
| Net loans and leases to total assets | 48.6763% | 5,471 |
| Net loans and leases to deposits | 53.7334% | 5,834 |
| Net loans and leases to core deposits | 54.0022% | 6,056 |
| Total domestic deposits to total assets | 90.5886% | 753 |
| Equity capital to assets | 9.1322% | 5,321 |
| Core capital (leverage) ratio | 8.0488% | 6,212 |
| Tier 1 risk-based capital ratio | 17.4401% | 2,499 |
| Total risk-based capital ratio | 18.6913% | 2,469 |
| Memoranda: | ||
| Average total assets | $66,274,500 | 5,875 |
| Average earning assets | $62,806,500 | 5,783 |
| Average equity | $5,891,000 | 6,175 |
| Average total loans | $31,761,500 | 6,022 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1184% | 6,247 |
| Cost of funding earning assets | 0.7487% | 5,219 |
| Net interest margin | 3.3698% | 5,581 |
| Noninterest income to average assets | 0.4524% | 4,197 |
| Noninterest expense to average assets | 3.0381% | 3,449 |
| Loan and lease loss provision to assets | 0.0310% | 6,181 |
| Net operating income to assets | 0.5503% | 4,231 |
| Return on assets (ROA) | 0.6693% | 3,823 |
| Pretax return on assets | 0.6941% | 4,339 |
| Return on Equity (ROE) | 7.6940% | 3,062 |
| Retained earnings to average equity (ytd only) | 2.3153% | 4,565 |
| Net charge-offs to loans | 0.1327% | 5,088 |
| Credit loss provision to net charge-offs | 47.6190% | 5,479 |
| Earnings coverage of net charge-offs (x) | 9.2381% | 2,013 |
| Efficiency ratio | 83.4823% | 1,821 |
| Assets per employee ($millions) | 4.0262% | 3,794 |
| Cash dividends to net income (ytd only)* | 69.9074% | 1,144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3423% | 4,697 |
| Loan loss allowance to noncurrent loans | 67.7215% | 4,148 |
| Noncurrent assets plus other real estate owned to assets | 1.0738% | 4,469 |
| Noncurrent loans to loans | 1.9821% | 3,233 |
| Net loans and leases to total assets | 45.9603% | 6,017 |
| Net loans and leases to deposits | 50.4288% | 6,327 |
| Net loans and leases to core deposits | 50.9763% | 6,477 |
| Total domestic deposits to total assets | 91.1390% | 447 |
| Equity capital to assets | 8.6608% | 5,947 |
| Core capital (leverage) ratio | 8.2954% | 5,864 |
| Tier 1 risk-based capital ratio | 16.6959% | 2,737 |
| Total risk-based capital ratio | 17.9454% | 2,697 |
| Memoranda: | ||
| Average total assets | $64,546,800 | 5,910 |
| Average earning assets | $61,042,800 | 5,835 |
| Average equity | $5,614,800 | 6,257 |
| Average total loans | $31,654,000 | 6,092 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1624% | 6,293 |
| Cost of funding earning assets | 0.7843% | 5,252 |
| Net interest margin | 3.3781% | 5,642 |
| Noninterest income to average assets | 0.4425% | 4,348 |
| Noninterest expense to average assets | 2.9929% | 3,576 |
| Loan and lease loss provision to assets | 0.0105% | 6,299 |
| Net operating income to assets | 0.6238% | 3,996 |
| Return on assets (ROA) | 0.7215% | 3,679 |
| Pretax return on assets | 0.7466% | 4,322 |
| Return on Equity (ROE) | 8.2843% | 2,921 |
| Retained earnings to average equity (ytd only) | 3.3956% | 4,318 |
| Net charge-offs to loans | 0.0591% | 5,378 |
| Credit loss provision to net charge-offs | 35.7143% | 5,328 |
| Earnings coverage of net charge-offs (x) | 22.3524% | 1,154 |
| Efficiency ratio | 82.0115% | 1,970 |
| Assets per employee ($millions) | 3.7930% | 4,321 |
| Cash dividends to net income (ytd only)* | 59.0110% | 1,227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3890% | 4,610 |
| Loan loss allowance to noncurrent loans | 91.4938% | 3,189 |
| Noncurrent assets plus other real estate owned to assets | 0.9150% | 4,918 |
| Noncurrent loans to loans | 1.5181% | 4,007 |
| Net loans and leases to total assets | 48.5554% | 5,886 |
| Net loans and leases to deposits | 53.6664% | 6,238 |
| Net loans and leases to core deposits | 54.2899% | 6,442 |
| Total domestic deposits to total assets | 90.4763% | 650 |
| Equity capital to assets | 9.2043% | 5,503 |
| Core capital (leverage) ratio | 8.6965% | 5,415 |
| Tier 1 risk-based capital ratio | 17.1130% | 2,600 |
| Total risk-based capital ratio | 18.3640% | 2,562 |
| Memoranda: | ||
| Average total assets | $63,572,000 | 5,977 |
| Average earning assets | $60,347,750 | 5,895 |
| Average equity | $5,536,500 | 6,325 |
| Average total loans | $31,596,000 | 6,161 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0972% | 6,496 |
| Cost of funding earning assets | 0.8274% | 5,203 |
| Net interest margin | 3.2697% | 5,939 |
| Noninterest income to average assets | 0.4267% | 4,453 |
| Noninterest expense to average assets | 3.0125% | 3,590 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.4917% | 4,536 |
| Return on assets (ROA) | 0.6101% | 4,138 |
| Pretax return on assets | 0.6354% | 4,631 |
| Return on Equity (ROE) | 7.1433% | 3,381 |
| Retained earnings to average equity (ytd only) | 3.3311% | 4,139 |
| Net charge-offs to loans | 0.0317% | 5,404 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 32.4000% | 872 |
| Efficiency ratio | 85.4709% | 1,652 |
| Assets per employee ($millions) | 3.1098% | 5,854 |
| Cash dividends to net income (ytd only)* | 53.3679% | 1,585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4012% | 4,562 |
| Loan loss allowance to noncurrent loans | 82.4074% | 3,426 |
| Noncurrent assets plus other real estate owned to assets | 1.0765% | 4,728 |
| Noncurrent loans to loans | 1.7004% | 3,884 |
| Net loans and leases to total assets | 47.9481% | 6,057 |
| Net loans and leases to deposits | 52.6942% | 6,419 |
| Net loans and leases to core deposits | 53.2906% | 6,602 |
| Total domestic deposits to total assets | 90.9932% | 503 |
| Equity capital to assets | 8.7098% | 5,931 |
| Core capital (leverage) ratio | 8.5268% | 5,511 |
| Tier 1 risk-based capital ratio | 16.8487% | 2,586 |
| Total risk-based capital ratio | 18.1006% | 2,553 |
| Memoranda: | ||
| Average total assets | $63,269,000 | 6,037 |
| Average earning assets | $59,943,670 | 5,961 |
| Average equity | $5,403,670 | 6,404 |
| Average total loans | $31,544,670 | 6,223 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0794% | 6,544 |
| Cost of funding earning assets | 0.8833% | 5,040 |
| Net interest margin | 3.1961% | 6,079 |
| Noninterest income to average assets | 0.4177% | 4,564 |
| Noninterest expense to average assets | 3.0072% | 3,619 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.4372% | 4,774 |
| Return on assets (ROA) | 0.5976% | 4,109 |
| Pretax return on assets | 0.6233% | 4,592 |
| Return on Equity (ROE) | 7.0702% | 3,342 |
| Retained earnings to average equity (ytd only) | 7.0702% | 2,116 |
| Net charge-offs to loans | 0.0254% | 4,732 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 35.5000% | 739 |
| Efficiency ratio | 86.8275% | 1,625 |
| Assets per employee ($millions) | 3.0380% | 6,081 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4503% | 4,436 |
| Loan loss allowance to noncurrent loans | 104.9180% | 2,741 |
| Noncurrent assets plus other real estate owned to assets | 0.9248% | 5,045 |
| Noncurrent loans to loans | 1.3823% | 4,397 |
| Net loans and leases to total assets | 47.7155% | 6,113 |
| Net loans and leases to deposits | 52.1794% | 6,464 |
| Net loans and leases to core deposits | 52.4338% | 6,659 |
| Total domestic deposits to total assets | 91.4450% | 429 |
| Equity capital to assets | 8.2493% | 6,226 |
| Core capital (leverage) ratio | 8.7680% | 4,975 |
| Tier 1 risk-based capital ratio | 17.2331% | 2,397 |
| Total risk-based capital ratio | 18.4852% | 2,371 |
| Memoranda: | ||
| Average total assets | $62,250,500 | 6,113 |
| Average earning assets | $59,322,500 | 6,020 |
| Average equity | $5,261,500 | 6,465 |
| Average total loans | $31,438,000 | 6,271 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8051% | 5,391 |
| Cost of funding earning assets | 1.0389% | 5,492 |
| Net interest margin | 3.7662% | 4,078 |
| Noninterest income to average assets | 0.5734% | 3,643 |
| Noninterest expense to average assets | 3.5020% | 2,169 |
| Loan and lease loss provision to assets | 0.3434% | 4,085 |
| Net operating income to assets | 0.1567% | 5,416 |
| Return on assets (ROA) | 0.1567% | 5,576 |
| Pretax return on assets | 0.2267% | 5,421 |
| Return on Equity (ROE) | 1.5271% | 5,552 |
| Retained earnings to average equity (ytd only) | -11.3884% | 6,732 |
| Net charge-offs to loans | 0.4354% | 3,877 |
| Credit loss provision to net charge-offs | 143.0556% | 2,614 |
| Earnings coverage of net charge-offs (x) | 2.3750% | 3,952 |
| Efficiency ratio | 86.0008% | 1,697 |
| Assets per employee ($millions) | 3.5707% | 4,777 |
| Cash dividends to net income (ytd only)* | 845.7447% | 23 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4069% | 4,475 |
| Loan loss allowance to noncurrent loans | 67.8733% | 4,009 |
| Noncurrent assets plus other real estate owned to assets | 1.3031% | 4,426 |
| Noncurrent loans to loans | 2.0728% | 3,459 |
| Net loans and leases to total assets | 51.9522% | 5,915 |
| Net loans and leases to deposits | 57.5212% | 6,302 |
| Net loans and leases to core deposits | 58.3741% | 6,527 |
| Total domestic deposits to total assets | 90.3183% | 926 |
| Equity capital to assets | 8.6653% | 5,632 |
| Core capital (leverage) ratio | 9.0769% | 4,399 |
| Tier 1 risk-based capital ratio | 16.6303% | 2,487 |
| Total risk-based capital ratio | 17.8803% | 2,456 |
| Memoranda: | ||
| Average total assets | $59,994,200 | 6,204 |
| Average earning assets | $55,732,800 | 6,142 |
| Average equity | $6,155,400 | 6,320 |
| Average total loans | $33,072,000 | 6,257 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9613% | 4,988 |
| Cost of funding earning assets | 1.0792% | 5,553 |
| Net interest margin | 3.8822% | 3,603 |
| Noninterest income to average assets | 0.5082% | 4,116 |
| Noninterest expense to average assets | 3.1607% | 3,066 |
| Loan and lease loss provision to assets | 0.1560% | 5,479 |
| Net operating income to assets | 0.6977% | 3,421 |
| Return on assets (ROA) | 0.6977% | 3,582 |
| Pretax return on assets | 0.7757% | 3,989 |
| Return on Equity (ROE) | 6.5418% | 3,553 |
| Retained earnings to average equity (ytd only) | -0.2508% | 5,843 |
| Net charge-offs to loans | 0.6078% | 2,921 |
| Credit loss provision to net charge-offs | 46.0526% | 5,948 |
| Earnings coverage of net charge-offs (x) | 2.7500% | 3,770 |
| Efficiency ratio | 77.2331% | 2,734 |
| Assets per employee ($millions) | 2.9725% | 6,216 |
| Cash dividends to net income (ytd only)* | 103.8340% | 322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9474% | 6,581 |
| Loan loss allowance to noncurrent loans | 90.8012% | 3,023 |
| Noncurrent assets plus other real estate owned to assets | 0.7099% | 5,690 |
| Noncurrent loans to loans | 1.0434% | 5,161 |
| Net loans and leases to total assets | 53.8142% | 5,877 |
| Net loans and leases to deposits | 60.6047% | 6,263 |
| Net loans and leases to core deposits | 61.5385% | 6,495 |
| Total domestic deposits to total assets | 88.7954% | 1,510 |
| Equity capital to assets | 10.8395% | 3,127 |
| Core capital (leverage) ratio | 10.4630% | 2,727 |
| Tier 1 risk-based capital ratio | 18.7381% | 1,809 |
| Total risk-based capital ratio | 19.6654% | 1,859 |
| Memoranda: | ||
| Average total assets | $59,817,250 | 6,278 |
| Average earning assets | $55,225,750 | 6,229 |
| Average equity | $6,379,250 | 6,326 |
| Average total loans | $33,343,500 | 6,330 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0307% | 4,801 |
| Cost of funding earning assets | 1.1307% | 5,517 |
| Net interest margin | 3.9000% | 3,450 |
| Noninterest income to average assets | 0.4471% | 4,548 |
| Noninterest expense to average assets | 3.1732% | 2,999 |
| Loan and lease loss provision to assets | 0.0834% | 6,094 |
| Net operating income to assets | 0.7241% | 3,298 |
| Return on assets (ROA) | 0.7241% | 3,453 |
| Pretax return on assets | 0.8041% | 3,864 |
| Return on Equity (ROE) | 6.8264% | 3,384 |
| Retained earnings to average equity (ytd only) | -0.2517% | 5,784 |
| Net charge-offs to loans | 0.2018% | 4,402 |
| Credit loss provision to net charge-offs | 73.5294% | 4,873 |
| Earnings coverage of net charge-offs (x) | 7.8235% | 2,229 |
| Efficiency ratio | 78.1430% | 2,705 |
| Assets per employee ($millions) | 2.9129% | 6,329 |
| Cash dividends to net income (ytd only)* | 103.6866% | 422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1061% | 5,910 |
| Loan loss allowance to noncurrent loans | 86.9266% | 3,130 |
| Noncurrent assets plus other real estate owned to assets | 0.8171% | 5,491 |
| Noncurrent loans to loans | 1.2725% | 4,841 |
| Net loans and leases to total assets | 58.1630% | 5,389 |
| Net loans and leases to deposits | 65.6476% | 5,852 |
| Net loans and leases to core deposits | 67.1103% | 6,139 |
| Total domestic deposits to total assets | 88.5988% | 1,679 |
| Equity capital to assets | 11.0201% | 2,841 |
| Core capital (leverage) ratio | 10.4251% | 2,688 |
| Tier 1 risk-based capital ratio | 18.2931% | 1,874 |
| Total risk-based capital ratio | 19.4135% | 1,886 |
| Memoranda: | ||
| Average total assets | $59,940,000 | 6,307 |
| Average earning assets | $55,538,670 | 6,261 |
| Average equity | $6,357,670 | 6,350 |
| Average total loans | $33,692,000 | 6,352 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9977% | 5,030 |
| Cost of funding earning assets | 1.1926% | 5,447 |
| Net interest margin | 3.8051% | 3,778 |
| Noninterest income to average assets | 0.3817% | 5,085 |
| Noninterest expense to average assets | 3.0536% | 3,461 |
| Loan and lease loss provision to assets | 0.0658% | 5,977 |
| Net operating income to assets | 0.6778% | 3,536 |
| Return on assets (ROA) | 0.6778% | 3,653 |
| Pretax return on assets | 0.7897% | 3,909 |
| Return on Equity (ROE) | 6.5123% | 3,612 |
| Retained earnings to average equity (ytd only) | 3.3510% | 4,147 |
| Net charge-offs to loans | 0.0718% | 4,699 |
| Credit loss provision to net charge-offs | 166.6667% | 2,176 |
| Earnings coverage of net charge-offs (x) | 21.6667% | 1,117 |
| Efficiency ratio | 78.1145% | 2,875 |
| Assets per employee ($millions) | 2.9562% | 6,317 |
| Cash dividends to net income (ytd only)* | 48.5437% | 1,510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1802% | 5,604 |
| Loan loss allowance to noncurrent loans | 73.8230% | 3,678 |
| Noncurrent assets plus other real estate owned to assets | 0.8981% | 5,366 |
| Noncurrent loans to loans | 1.5986% | 4,347 |
| Net loans and leases to total assets | 55.5182% | 5,815 |
| Net loans and leases to deposits | 62.5148% | 6,230 |
| Net loans and leases to core deposits | 63.6642% | 6,478 |
| Total domestic deposits to total assets | 88.8081% | 1,614 |
| Equity capital to assets | 10.8080% | 2,946 |
| Core capital (leverage) ratio | 10.0349% | 3,124 |
| Tier 1 risk-based capital ratio | 18.7459% | 1,786 |
| Total risk-based capital ratio | 19.9220% | 1,761 |
| Memoranda: | ||
| Average total assets | $60,781,500 | 6,353 |
| Average earning assets | $56,346,000 | 6,306 |
| Average equity | $6,326,500 | 6,406 |
| Average total loans | $33,406,500 | 6,441 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2200% | 5,555 |
| Cost of funding earning assets | 1.4000% | 5,930 |
| Net interest margin | 3.8199% | 3,621 |
| Noninterest income to average assets | 0.4968% | 4,441 |
| Noninterest expense to average assets | 3.2632% | 3,146 |
| Loan and lease loss provision to assets | 0.0502% | 7,060 |
| Net operating income to assets | 0.6858% | 2,993 |
| Return on assets (ROA) | 0.6858% | 3,055 |
| Pretax return on assets | 0.7293% | 3,474 |
| Return on Equity (ROE) | 6.4624% | 3,010 |
| Retained earnings to average equity (ytd only) | 0.8669% | 4,420 |
| Net charge-offs to loans | 0.0636% | 6,473 |
| Credit loss provision to net charge-offs | 142.8571% | 3,365 |
| Earnings coverage of net charge-offs (x) | 22.1905% | 971 |
| Efficiency ratio | 80.7199% | 2,784 |
| Assets per employee ($millions) | 3.1220% | 5,937 |
| Cash dividends to net income (ytd only)* | 86.5854% | 952 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1549% | 5,614 |
| Loan loss allowance to noncurrent loans | 55.5874% | 4,658 |
| Noncurrent assets plus other real estate owned to assets | 1.1179% | 4,855 |
| Noncurrent loans to loans | 2.0776% | 3,553 |
| Net loans and leases to total assets | 53.1855% | 6,288 |
| Net loans and leases to deposits | 59.3103% | 6,681 |
| Net loans and leases to core deposits | 67.1989% | 6,921 |
| Total domestic deposits to total assets | 89.6733% | 1,123 |
| Equity capital to assets | 10.0304% | 3,716 |
| Core capital (leverage) ratio | 10.1046% | 2,992 |
| Tier 1 risk-based capital ratio | 18.0770% | 1,873 |
| Total risk-based capital ratio | 19.2092% | 1,868 |
| Memoranda: | ||
| Average total assets | $59,787,200 | 6,353 |
| Average earning assets | $55,498,400 | 6,316 |
| Average equity | $6,344,400 | 6,481 |
| Average total loans | $33,023,400 | 6,463 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2715% | 5,566 |
| Cost of funding earning assets | 1.4643% | 5,982 |
| Net interest margin | 3.8072% | 3,627 |
| Noninterest income to average assets | 0.4623% | 4,803 |
| Noninterest expense to average assets | 3.2293% | 3,193 |
| Loan and lease loss provision to assets | 0.0564% | 6,805 |
| Net operating income to assets | 0.6765% | 3,292 |
| Return on assets (ROA) | 0.6765% | 3,355 |
| Pretax return on assets | 0.7239% | 3,779 |
| Return on Equity (ROE) | 6.2845% | 3,400 |
| Retained earnings to average equity (ytd only) | 0.9427% | 4,782 |
| Net charge-offs to loans | 0.0892% | 5,793 |
| Credit loss provision to net charge-offs | 113.6364% | 4,471 |
| Earnings coverage of net charge-offs (x) | 15.7286% | 1,518 |
| Efficiency ratio | 80.5399% | 2,767 |
| Assets per employee ($millions) | 3.0160% | 6,122 |
| Cash dividends to net income (ytd only)* | 84.9996% | 835 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1736% | 5,275 |
| Loan loss allowance to noncurrent loans | 61.1200% | 4,294 |
| Noncurrent assets plus other real estate owned to assets | 1.0362% | 5,006 |
| Noncurrent loans to loans | 1.9201% | 3,743 |
| Net loans and leases to total assets | 53.3298% | 6,459 |
| Net loans and leases to deposits | 59.9154% | 6,834 |
| Net loans and leases to core deposits | 66.7538% | 7,126 |
| Total domestic deposits to total assets | 89.0084% | 1,188 |
| Equity capital to assets | 10.5522% | 3,456 |
| Core capital (leverage) ratio | 10.1208% | 3,149 |
| Tier 1 risk-based capital ratio | 18.5552% | 1,852 |
| Total risk-based capital ratio | 19.7012% | 1,824 |
| Memoranda: | ||
| Average total assets | $59,124,000 | 6,419 |
| Average earning assets | $55,087,750 | 6,376 |
| Average equity | $6,364,750 | 6,534 |
| Average total loans | $32,880,000 | 6,519 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3177% | 5,574 |
| Cost of funding earning assets | 1.5340% | 6,003 |
| Net interest margin | 3.7837% | 3,619 |
| Noninterest income to average assets | 0.5279% | 4,207 |
| Noninterest expense to average assets | 3.2831% | 3,036 |
| Loan and lease loss provision to assets | 0.0681% | 6,520 |
| Net operating income to assets | 0.6403% | 3,506 |
| Return on assets (ROA) | 0.6403% | 3,611 |
| Pretax return on assets | 0.6879% | 4,041 |
| Return on Equity (ROE) | 5.9076% | 3,696 |
| Retained earnings to average equity (ytd only) | -0.1571% | 5,256 |
| Net charge-offs to loans | 0.1334% | 4,825 |
| Credit loss provision to net charge-offs | 90.9091% | 4,890 |
| Earnings coverage of net charge-offs (x) | 10.0909% | 2,036 |
| Efficiency ratio | 81.2816% | 2,845 |
| Assets per employee ($millions) | 2.9697% | 6,210 |
| Cash dividends to net income (ytd only)* | 102.6596% | 685 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1488% | 5,276 |
| Loan loss allowance to noncurrent loans | 71.5370% | 3,865 |
| Noncurrent assets plus other real estate owned to assets | 0.8873% | 5,212 |
| Noncurrent loans to loans | 1.6059% | 4,086 |
| Net loans and leases to total assets | 54.6166% | 6,367 |
| Net loans and leases to deposits | 61.3272% | 6,792 |
| Net loans and leases to core deposits | 68.1535% | 7,109 |
| Total domestic deposits to total assets | 89.0578% | 1,238 |
| Equity capital to assets | 10.4842% | 3,420 |
| Core capital (leverage) ratio | 10.1711% | 3,126 |
| Tier 1 risk-based capital ratio | 18.4639% | 1,883 |
| Total risk-based capital ratio | 19.5985% | 1,867 |
| Memoranda: | ||
| Average total assets | $58,725,670 | 6,486 |
| Average earning assets | $54,497,000 | 6,447 |
| Average equity | $6,364,670 | 6,588 |
| Average total loans | $32,990,000 | 6,553 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3183% | 5,816 |
| Cost of funding earning assets | 1.6125% | 5,979 |
| Net interest margin | 3.7058% | 3,868 |
| Noninterest income to average assets | 0.6439% | 3,237 |
| Noninterest expense to average assets | 3.1922% | 3,018 |
| Loan and lease loss provision to assets | 0.0685% | 6,092 |
| Net operating income to assets | 0.7672% | 3,270 |
| Return on assets (ROA) | 0.7672% | 3,443 |
| Pretax return on assets | 0.8152% | 4,021 |
| Return on Equity (ROE) | 6.9636% | 3,611 |
| Retained earnings to average equity (ytd only) | 4.6631% | 3,331 |
| Net charge-offs to loans | 0.1693% | 3,613 |
| Credit loss provision to net charge-offs | 71.4286% | 4,328 |
| Earnings coverage of net charge-offs (x) | 9.2143% | 2,087 |
| Efficiency ratio | 78.3193% | 3,112 |
| Assets per employee ($millions) | 2.9394% | 6,319 |
| Cash dividends to net income (ytd only)* | 33.0357% | 2,244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1492% | 5,131 |
| Loan loss allowance to noncurrent loans | 67.6895% | 4,200 |
| Noncurrent assets plus other real estate owned to assets | 0.9424% | 4,835 |
| Noncurrent loans to loans | 1.6978% | 3,709 |
| Net loans and leases to total assets | 54.8683% | 6,371 |
| Net loans and leases to deposits | 61.9450% | 6,742 |
| Net loans and leases to core deposits | 67.6595% | 7,154 |
| Total domestic deposits to total assets | 88.5759% | 1,445 |
| Equity capital to assets | 10.9869% | 2,976 |
| Core capital (leverage) ratio | 10.4991% | 2,927 |
| Tier 1 risk-based capital ratio | 18.7785% | 1,864 |
| Total risk-based capital ratio | 19.9118% | 1,842 |
| Memoranda: | ||
| Average total assets | $58,391,500 | 6,529 |
| Average earning assets | $54,077,500 | 6,497 |
| Average equity | $6,433,500 | 6,602 |
| Average total loans | $33,077,000 | 6,585 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0166% | 5,471 |
| Cost of funding earning assets | 2.0715% | 6,159 |
| Net interest margin | 3.9452% | 3,387 |
| Noninterest income to average assets | 0.4439% | 5,083 |
| Noninterest expense to average assets | 3.1876% | 3,380 |
| Loan and lease loss provision to assets | 0.1720% | 5,184 |
| Net operating income to assets | 0.6741% | 4,013 |
| Return on assets (ROA) | 0.6912% | 3,763 |
| Pretax return on assets | 0.7306% | 4,302 |
| Return on Equity (ROE) | 6.8258% | 3,612 |
| Retained earnings to average equity (ytd only) | 1.1484% | 4,544 |
| Net charge-offs to loans | 0.2954% | 3,424 |
| Credit loss provision to net charge-offs | 105.0000% | 5,092 |
| Earnings coverage of net charge-offs (x) | 5.4000% | 3,657 |
| Efficiency ratio | 78.2784% | 2,874 |
| Assets per employee ($millions) | 2.8998% | 6,308 |
| Cash dividends to net income (ytd only)* | 83.1754% | 1,565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1306% | 5,052 |
| Loan loss allowance to noncurrent loans | 133.9223% | 2,716 |
| Noncurrent assets plus other real estate owned to assets | 0.4880% | 5,748 |
| Noncurrent loans to loans | 0.8442% | 4,941 |
| Net loans and leases to total assets | 57.1498% | 6,316 |
| Net loans and leases to deposits | 64.5390% | 6,755 |
| Net loans and leases to core deposits | 70.7933% | 7,144 |
| Total domestic deposits to total assets | 88.5507% | 1,226 |
| Equity capital to assets | 11.0492% | 3,003 |
| Core capital (leverage) ratio | 10.4596% | 3,012 |
| Tier 1 risk-based capital ratio | 18.4739% | 1,925 |
| Total risk-based capital ratio | 19.6143% | 1,894 |
| Memoranda: | ||
| Average total assets | $61,049,000 | 6,352 |
| Average earning assets | $56,144,200 | 6,332 |
| Average equity | $6,182,400 | 6,747 |
| Average total loans | $33,857,000 | 6,494 |