Home > Britton & Koontz Bank, N.A. > Performance and Condition Ratios
Britton & Koontz Bank, N.A., 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 | 4.1017% | 3,730 |
| Cost of funding earning assets | 0.6285% | 2,403 |
| Net interest margin | 3.4731% | 4,014 |
| Noninterest income to average assets | 0.8547% | 1,846 |
| Noninterest expense to average assets | 3.7175% | 1,262 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.3259% | 5,433 |
| Return on assets (ROA) | 0.3634% | 5,398 |
| Pretax return on assets | 0.3598% | 5,583 |
| Return on Equity (ROE) | 2.6680% | 5,626 |
| Retained earnings to average equity (ytd only) | 1.4705% | 5,155 |
| Net charge-offs to loans | 0.2617% | 2,397 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 2.2455% | 4,267 |
| Efficiency ratio | 91.1176% | 941 |
| Assets per employee ($millions) | 3.1365% | 5,605 |
| Cash dividends to net income (ytd only)* | 44.8833% | 2,556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2372% | 4,451 |
| Loan loss allowance to noncurrent loans | 779.3594% | 645 |
| Noncurrent assets plus other real estate owned to assets | 0.9950% | 3,429 |
| Noncurrent loans to loans | 0.1588% | 5,718 |
| Net loans and leases to total assets | 58.0578% | 4,027 |
| Net loans and leases to deposits | 78.7140% | 2,633 |
| Net loans and leases to core deposits | 87.0966% | 2,339 |
| Total domestic deposits to total assets | 73.7578% | 6,300 |
| Equity capital to assets | 13.6951% | 995 |
| Core capital (leverage) ratio | 13.4330% | 978 |
| Tier 1 risk-based capital ratio | 20.7485% | 1,477 |
| Total risk-based capital ratio | 21.8849% | 1,481 |
| Memoranda: | ||
| Average total assets | $306,553,800 | 2,107 |
| Average earning assets | $281,129,200 | 2,104 |
| Average equity | $41,753,600 | 1,680 |
| Average total loans | $168,142,000 | 2,324 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0375% | 3,989 |
| Cost of funding earning assets | 0.6315% | 2,533 |
| Net interest margin | 3.4060% | 4,259 |
| Noninterest income to average assets | 0.9669% | 1,554 |
| Noninterest expense to average assets | 3.6832% | 1,272 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.3796% | 5,335 |
| Return on assets (ROA) | 0.4269% | 5,272 |
| Pretax return on assets | 0.4516% | 5,494 |
| Return on Equity (ROE) | 3.1388% | 5,554 |
| Retained earnings to average equity (ytd only) | 1.5471% | 5,356 |
| Net charge-offs to loans | 0.2411% | 2,365 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 3.0933% | 3,803 |
| Efficiency ratio | 89.2728% | 1,057 |
| Assets per employee ($millions) | 3.1294% | 5,621 |
| Cash dividends to net income (ytd only)* | 50.7101% | 1,830 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3089% | 4,336 |
| Loan loss allowance to noncurrent loans | 316.0109% | 1,309 |
| Noncurrent assets plus other real estate owned to assets | 1.1942% | 3,267 |
| Noncurrent loans to loans | 0.4142% | 5,154 |
| Net loans and leases to total assets | 56.1164% | 4,306 |
| Net loans and leases to deposits | 77.3846% | 2,760 |
| Net loans and leases to core deposits | 85.9353% | 2,413 |
| Total domestic deposits to total assets | 72.5163% | 6,463 |
| Equity capital to assets | 13.2935% | 1,202 |
| Core capital (leverage) ratio | 13.5034% | 1,024 |
| Tier 1 risk-based capital ratio | 20.5162% | 1,599 |
| Total risk-based capital ratio | 21.7140% | 1,582 |
| Memoranda: | ||
| Average total assets | $307,915,500 | 2,098 |
| Average earning assets | $281,884,000 | 2,110 |
| Average equity | $41,882,750 | 1,687 |
| Average total loans | $165,926,000 | 2,358 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0049% | 4,087 |
| Cost of funding earning assets | 0.6423% | 2,571 |
| Net interest margin | 3.3626% | 4,333 |
| Noninterest income to average assets | 0.9326% | 1,708 |
| Noninterest expense to average assets | 3.7624% | 1,152 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.2756% | 5,688 |
| Return on assets (ROA) | 0.2756% | 5,823 |
| Pretax return on assets | 0.2371% | 6,021 |
| Return on Equity (ROE) | 2.0106% | 5,952 |
| Retained earnings to average equity (ytd only) | 2.0106% | 4,992 |
| Net charge-offs to loans | 0.2334% | 2,327 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 1.9206% | 3,880 |
| Efficiency ratio | 93.1581% | 806 |
| Assets per employee ($millions) | 2.9896% | 5,865 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4183% | 3,952 |
| Loan loss allowance to noncurrent loans | 616.4141% | 714 |
| Noncurrent assets plus other real estate owned to assets | 1.2091% | 3,327 |
| Noncurrent loans to loans | 0.2301% | 5,730 |
| Net loans and leases to total assets | 56.1914% | 4,248 |
| Net loans and leases to deposits | 75.7121% | 2,918 |
| Net loans and leases to core deposits | 83.2716% | 2,658 |
| Total domestic deposits to total assets | 74.2173% | 6,428 |
| Equity capital to assets | 13.7099% | 1,050 |
| Core capital (leverage) ratio | 13.4247% | 1,010 |
| Tier 1 risk-based capital ratio | 20.8435% | 1,529 |
| Total risk-based capital ratio | 22.0938% | 1,499 |
| Memoranda: | ||
| Average total assets | $306,242,330 | 2,116 |
| Average earning assets | $279,306,330 | 2,135 |
| Average equity | $41,977,000 | 1,685 |
| Average total loans | $161,922,330 | 2,413 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9272% | 4,376 |
| Cost of funding earning assets | 0.6474% | 2,686 |
| Net interest margin | 3.2798% | 4,591 |
| Noninterest income to average assets | 0.9897% | 1,492 |
| Noninterest expense to average assets | 3.6811% | 1,277 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.3100% | 5,536 |
| Return on assets (ROA) | 0.3100% | 5,663 |
| Pretax return on assets | 0.2918% | 5,874 |
| Return on Equity (ROE) | 2.2618% | 5,855 |
| Retained earnings to average equity (ytd only) | 2.2618% | 4,885 |
| Net charge-offs to loans | 0.4566% | 1,303 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 1.2570% | 3,406 |
| Efficiency ratio | 91.7728% | 1,004 |
| Assets per employee ($millions) | 3.1799% | 5,671 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5807% | 3,481 |
| Loan loss allowance to noncurrent loans | 539.8678% | 802 |
| Noncurrent assets plus other real estate owned to assets | 2.2793% | 2,048 |
| Noncurrent loans to loans | 0.2928% | 5,673 |
| Net loans and leases to total assets | 48.9704% | 5,113 |
| Net loans and leases to deposits | 65.6023% | 4,106 |
| Net loans and leases to core deposits | 72.1838% | 3,796 |
| Total domestic deposits to total assets | 74.6474% | 6,494 |
| Equity capital to assets | 13.5634% | 1,192 |
| Core capital (leverage) ratio | 13.3360% | 1,005 |
| Tier 1 risk-based capital ratio | 21.9869% | 1,334 |
| Total risk-based capital ratio | 23.2383% | 1,308 |
| Memoranda: | ||
| Average total assets | $308,388,500 | 2,132 |
| Average earning assets | $280,507,500 | 2,147 |
| Average equity | $42,267,000 | 1,691 |
| Average total loans | $156,828,000 | 2,502 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8996% | 5,575 |
| Cost of funding earning assets | 0.9408% | 1,702 |
| Net interest margin | 2.9588% | 6,124 |
| Noninterest income to average assets | 0.8211% | 2,176 |
| Noninterest expense to average assets | 3.6181% | 1,569 |
| Loan and lease loss provision to assets | -0.0734% | 6,896 |
| Net operating income to assets | 0.1017% | 6,011 |
| Return on assets (ROA) | 0.1017% | 6,153 |
| Pretax return on assets | -0.0123% | 6,297 |
| Return on Equity (ROE) | 0.8219% | 6,166 |
| Retained earnings to average equity (ytd only) | 0.8219% | 5,453 |
| Net charge-offs to loans | 0.8225% | 1,420 |
| Credit loss provision to net charge-offs | -17.7557% | 6,232 |
| Earnings coverage of net charge-offs (x) | -0.2074% | 5,577 |
| Efficiency ratio | 101.5304% | 506 |
| Assets per employee ($millions) | 3.0823% | 5,875 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6583% | 3,091 |
| Loan loss allowance to noncurrent loans | 98.3545% | 3,366 |
| Noncurrent assets plus other real estate owned to assets | 3.0602% | 1,541 |
| Noncurrent loans to loans | 1.6860% | 3,091 |
| Net loans and leases to total assets | 51.1126% | 5,019 |
| Net loans and leases to deposits | 68.8408% | 3,859 |
| Net loans and leases to core deposits | 76.7660% | 3,433 |
| Total domestic deposits to total assets | 74.2476% | 6,504 |
| Equity capital to assets | 13.8512% | 1,101 |
| Core capital (leverage) ratio | 12.8783% | 1,163 |
| Tier 1 risk-based capital ratio | 21.4562% | 1,373 |
| Total risk-based capital ratio | 22.7084% | 1,341 |
| Memoranda: | ||
| Average total assets | $340,376,600 | 1,903 |
| Average earning assets | $311,878,800 | 1,894 |
| Average equity | $42,098,000 | 1,653 |
| Average total loans | $171,179,200 | 2,299 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8735% | 5,847 |
| Cost of funding earning assets | 0.9790% | 1,688 |
| Net interest margin | 2.8945% | 6,367 |
| Noninterest income to average assets | 0.9573% | 1,649 |
| Noninterest expense to average assets | 3.7866% | 1,235 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | -0.0038% | 6,289 |
| Return on assets (ROA) | -0.0038% | 6,412 |
| Pretax return on assets | -0.1730% | 6,529 |
| Return on Equity (ROE) | -0.0317% | 6,410 |
| Retained earnings to average equity (ytd only) | -0.0317% | 6,081 |
| Net charge-offs to loans | 0.7947% | 1,389 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | -0.4360% | 5,480 |
| Efficiency ratio | 103.9307% | 421 |
| Assets per employee ($millions) | 3.2763% | 5,485 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9932% | 2,185 |
| Loan loss allowance to noncurrent loans | 66.0366% | 4,380 |
| Noncurrent assets plus other real estate owned to assets | 3.3694% | 1,502 |
| Noncurrent loans to loans | 3.0183% | 1,846 |
| Net loans and leases to total assets | 47.8054% | 5,570 |
| Net loans and leases to deposits | 67.8786% | 4,203 |
| Net loans and leases to core deposits | 77.7308% | 3,495 |
| Total domestic deposits to total assets | 70.4278% | 6,822 |
| Equity capital to assets | 12.6180% | 1,810 |
| Core capital (leverage) ratio | 12.0753% | 1,609 |
| Tier 1 risk-based capital ratio | 20.4742% | 1,639 |
| Total risk-based capital ratio | 21.7298% | 1,608 |
| Memoranda: | ||
| Average total assets | $349,184,750 | 1,874 |
| Average earning assets | $320,459,250 | 1,872 |
| Average equity | $42,056,000 | 1,673 |
| Average total loans | $174,324,750 | 2,294 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9237% | 5,856 |
| Cost of funding earning assets | 0.9954% | 1,789 |
| Net interest margin | 2.9283% | 6,383 |
| Noninterest income to average assets | 0.9588% | 1,584 |
| Noninterest expense to average assets | 3.4411% | 1,932 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.2394% | 5,797 |
| Return on assets (ROA) | 0.2394% | 5,987 |
| Pretax return on assets | 0.2089% | 6,134 |
| Return on Equity (ROE) | 2.0181% | 6,033 |
| Retained earnings to average equity (ytd only) | 2.0181% | 5,189 |
| Net charge-offs to loans | 0.3908% | 2,457 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 1.0632% | 4,490 |
| Efficiency ratio | 93.4406% | 834 |
| Assets per employee ($millions) | 3.3055% | 5,435 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3365% | 1,522 |
| Loan loss allowance to noncurrent loans | 74.8054% | 3,994 |
| Noncurrent assets plus other real estate owned to assets | 3.7466% | 1,387 |
| Noncurrent loans to loans | 3.1235% | 1,874 |
| Net loans and leases to total assets | 48.3703% | 5,579 |
| Net loans and leases to deposits | 68.5364% | 4,115 |
| Net loans and leases to core deposits | 78.1269% | 3,498 |
| Total domestic deposits to total assets | 70.5762% | 6,879 |
| Equity capital to assets | 12.4514% | 1,847 |
| Core capital (leverage) ratio | 11.7697% | 1,744 |
| Tier 1 risk-based capital ratio | 19.8138% | 1,751 |
| Total risk-based capital ratio | 21.0727% | 1,718 |
| Memoranda: | ||
| Average total assets | $354,185,670 | 1,853 |
| Average earning assets | $325,509,330 | 1,843 |
| Average equity | $42,019,000 | 1,661 |
| Average total loans | $178,097,670 | 2,256 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9385% | 5,928 |
| Cost of funding earning assets | 1.0032% | 1,963 |
| Net interest margin | 2.9352% | 6,424 |
| Noninterest income to average assets | 0.8010% | 2,162 |
| Noninterest expense to average assets | 3.1209% | 2,848 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.3512% | 5,471 |
| Return on assets (ROA) | 0.3512% | 5,645 |
| Pretax return on assets | 0.3867% | 5,756 |
| Return on Equity (ROE) | 3.0312% | 5,704 |
| Retained earnings to average equity (ytd only) | 3.0312% | 4,737 |
| Net charge-offs to loans | 0.1706% | 3,064 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 4.4744% | 2,566 |
| Efficiency ratio | 88.1238% | 1,274 |
| Assets per employee ($millions) | 3.3928% | 5,360 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3571% | 1,581 |
| Loan loss allowance to noncurrent loans | 73.2556% | 3,911 |
| Noncurrent assets plus other real estate owned to assets | 3.6239% | 1,567 |
| Noncurrent loans to loans | 3.2176% | 1,995 |
| Net loans and leases to total assets | 48.9553% | 5,438 |
| Net loans and leases to deposits | 68.3313% | 4,004 |
| Net loans and leases to core deposits | 77.9581% | 3,330 |
| Total domestic deposits to total assets | 71.6441% | 6,899 |
| Equity capital to assets | 11.8124% | 2,176 |
| Core capital (leverage) ratio | 11.5626% | 1,860 |
| Tier 1 risk-based capital ratio | 18.7096% | 2,075 |
| Total risk-based capital ratio | 19.9689% | 2,043 |
| Memoranda: | ||
| Average total assets | $361,044,000 | 1,835 |
| Average earning assets | $332,921,500 | 1,816 |
| Average equity | $41,832,000 | 1,656 |
| Average total loans | $182,833,500 | 2,198 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4890% | 5,121 |
| Cost of funding earning assets | 1.2049% | 1,995 |
| Net interest margin | 3.2841% | 5,859 |
| Noninterest income to average assets | 0.8270% | 1,938 |
| Noninterest expense to average assets | 3.2835% | 2,578 |
| Loan and lease loss provision to assets | 1.2505% | 676 |
| Net operating income to assets | -0.5421% | 6,517 |
| Return on assets (ROA) | 0.1652% | 5,829 |
| Pretax return on assets | 0.0666% | 6,021 |
| Return on Equity (ROE) | 1.4845% | 5,843 |
| Retained earnings to average equity (ytd only) | -0.4310% | 5,924 |
| Net charge-offs to loans | 1.3978% | 1,166 |
| Credit loss provision to net charge-offs | 166.1473% | 1,629 |
| Earnings coverage of net charge-offs (x) | 0.8102% | 5,192 |
| Efficiency ratio | 83.6049% | 1,814 |
| Assets per employee ($millions) | 3.5867% | 4,806 |
| Cash dividends to net income (ytd only)* | 129.0323% | 189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2923% | 1,625 |
| Loan loss allowance to noncurrent loans | 51.1878% | 4,956 |
| Noncurrent assets plus other real estate owned to assets | 3.3014% | 1,803 |
| Noncurrent loans to loans | 4.4783% | 1,333 |
| Net loans and leases to total assets | 49.9580% | 5,586 |
| Net loans and leases to deposits | 68.8619% | 4,302 |
| Net loans and leases to core deposits | 78.2924% | 3,644 |
| Total domestic deposits to total assets | 72.5482% | 6,846 |
| Equity capital to assets | 11.3663% | 2,623 |
| Core capital (leverage) ratio | 10.9084% | 2,341 |
| Tier 1 risk-based capital ratio | 17.9586% | 2,201 |
| Total risk-based capital ratio | 19.2175% | 2,177 |
| Memoranda: | ||
| Average total assets | $375,211,400 | 1,734 |
| Average earning assets | $350,321,600 | 1,689 |
| Average equity | $41,765,600 | 1,607 |
| Average total loans | $202,034,000 | 2,026 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6017% | 4,858 |
| Cost of funding earning assets | 1.2507% | 1,994 |
| Net interest margin | 3.3511% | 5,714 |
| Noninterest income to average assets | 0.8384% | 1,884 |
| Noninterest expense to average assets | 3.2938% | 2,517 |
| Loan and lease loss provision to assets | 1.6569% | 386 |
| Net operating income to assets | -0.5062% | 6,640 |
| Return on assets (ROA) | 0.0886% | 6,105 |
| Pretax return on assets | -0.0491% | 6,280 |
| Return on Equity (ROE) | 0.8004% | 6,104 |
| Retained earnings to average equity (ytd only) | -1.7507% | 6,266 |
| Net charge-offs to loans | 0.6654% | 2,251 |
| Credit loss provision to net charge-offs | 456.8647% | 607 |
| Earnings coverage of net charge-offs (x) | 1.8705% | 4,259 |
| Efficiency ratio | 82.2013% | 1,946 |
| Assets per employee ($millions) | 3.5679% | 4,832 |
| Cash dividends to net income (ytd only)* | 318.7235% | 31 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0980% | 801 |
| Loan loss allowance to noncurrent loans | 50.8439% | 4,960 |
| Noncurrent assets plus other real estate owned to assets | 4.1605% | 1,470 |
| Noncurrent loans to loans | 6.0931% | 909 |
| Net loans and leases to total assets | 51.2940% | 5,542 |
| Net loans and leases to deposits | 70.5910% | 4,204 |
| Net loans and leases to core deposits | 78.9459% | 3,783 |
| Total domestic deposits to total assets | 72.6637% | 6,883 |
| Equity capital to assets | 11.0747% | 3,073 |
| Core capital (leverage) ratio | 10.5387% | 2,825 |
| Tier 1 risk-based capital ratio | 17.4836% | 2,450 |
| Total risk-based capital ratio | 18.7520% | 2,413 |
| Memoranda: | ||
| Average total assets | $377,553,000 | 1,724 |
| Average earning assets | $353,074,250 | 1,681 |
| Average equity | $41,811,250 | 1,613 |
| Average total loans | $205,778,250 | 2,014 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7241% | 4,423 |
| Cost of funding earning assets | 1.3205% | 1,821 |
| Net interest margin | 3.4036% | 5,547 |
| Noninterest income to average assets | 0.8074% | 1,987 |
| Noninterest expense to average assets | 3.4431% | 2,140 |
| Loan and lease loss provision to assets | 0.6910% | 1,378 |
| Net operating income to assets | -0.1170% | 6,370 |
| Return on assets (ROA) | 0.4888% | 4,689 |
| Pretax return on assets | 0.5599% | 4,881 |
| Return on Equity (ROE) | 4.4138% | 4,733 |
| Retained earnings to average equity (ytd only) | 0.6088% | 5,616 |
| Net charge-offs to loans | 0.1628% | 4,199 |
| Credit loss provision to net charge-offs | 771.7647% | 428 |
| Earnings coverage of net charge-offs (x) | 6.1941% | 2,446 |
| Efficiency ratio | 85.4150% | 1,662 |
| Assets per employee ($millions) | 3.5717% | 4,743 |
| Cash dividends to net income (ytd only)* | 86.2069% | 665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7765% | 3,071 |
| Loan loss allowance to noncurrent loans | 37.4750% | 5,804 |
| Noncurrent assets plus other real estate owned to assets | 3.2655% | 2,047 |
| Noncurrent loans to loans | 4.7405% | 1,389 |
| Net loans and leases to total assets | 51.5323% | 5,622 |
| Net loans and leases to deposits | 70.6741% | 4,341 |
| Net loans and leases to core deposits | 79.5926% | 3,850 |
| Total domestic deposits to total assets | 72.9154% | 6,932 |
| Equity capital to assets | 11.0059% | 2,943 |
| Core capital (leverage) ratio | 10.5837% | 2,627 |
| Tier 1 risk-based capital ratio | 17.0592% | 2,495 |
| Total risk-based capital ratio | 18.3129% | 2,468 |
| Memoranda: | ||
| Average total assets | $379,716,330 | 1,725 |
| Average earning assets | $355,920,670 | 1,680 |
| Average equity | $42,050,330 | 1,594 |
| Average total loans | $208,898,330 | 2,010 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8472% | 3,833 |
| Cost of funding earning assets | 1.3357% | 1,977 |
| Net interest margin | 3.5115% | 4,954 |
| Noninterest income to average assets | 0.9131% | 1,615 |
| Noninterest expense to average assets | 3.2445% | 2,726 |
| Loan and lease loss provision to assets | 0.7926% | 1,073 |
| Net operating income to assets | 0.1308% | 6,009 |
| Return on assets (ROA) | 0.6806% | 3,671 |
| Pretax return on assets | 0.8761% | 3,590 |
| Return on Equity (ROE) | 6.1268% | 3,824 |
| Retained earnings to average equity (ytd only) | 2.3213% | 4,757 |
| Net charge-offs to loans | 0.1840% | 3,388 |
| Credit loss provision to net charge-offs | 765.3061% | 492 |
| Earnings coverage of net charge-offs (x) | 9.3061% | 1,733 |
| Efficiency ratio | 76.4189% | 3,085 |
| Assets per employee ($millions) | 3.5675% | 4,830 |
| Cash dividends to net income (ytd only)* | 62.1118% | 1,194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4660% | 4,366 |
| Loan loss allowance to noncurrent loans | 32.9508% | 6,102 |
| Noncurrent assets plus other real estate owned to assets | 3.3076% | 2,066 |
| Noncurrent loans to loans | 4.4491% | 1,576 |
| Net loans and leases to total assets | 54.0909% | 5,290 |
| Net loans and leases to deposits | 74.5553% | 3,675 |
| Net loans and leases to core deposits | 83.8728% | 3,180 |
| Total domestic deposits to total assets | 72.5514% | 7,034 |
| Equity capital to assets | 10.9833% | 2,704 |
| Core capital (leverage) ratio | 10.7844% | 2,365 |
| Tier 1 risk-based capital ratio | 15.9881% | 2,903 |
| Total risk-based capital ratio | 17.2106% | 2,891 |
| Memoranda: | ||
| Average total assets | $378,486,500 | 1,737 |
| Average earning assets | $355,176,000 | 1,693 |
| Average equity | $42,044,500 | 1,582 |
| Average total loans | $213,094,500 | 1,985 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2844% | 3,200 |
| Cost of funding earning assets | 1.5566% | 2,325 |
| Net interest margin | 3.7278% | 4,239 |
| Noninterest income to average assets | 1.0108% | 1,471 |
| Noninterest expense to average assets | 3.5317% | 2,095 |
| Loan and lease loss provision to assets | 0.4425% | 3,467 |
| Net operating income to assets | 0.4580% | 4,276 |
| Return on assets (ROA) | 0.5625% | 3,996 |
| Pretax return on assets | 0.6581% | 4,135 |
| Return on Equity (ROE) | 5.0574% | 4,044 |
| Retained earnings to average equity (ytd only) | 2.2068% | 4,344 |
| Net charge-offs to loans | 1.4199% | 1,566 |
| Credit loss provision to net charge-offs | 53.4461% | 6,209 |
| Earnings coverage of net charge-offs (x) | 1.1809% | 4,924 |
| Efficiency ratio | 77.6847% | 2,761 |
| Assets per employee ($millions) | 3.4427% | 5,077 |
| Cash dividends to net income (ytd only)* | 56.3645% | 1,783 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1171% | 5,893 |
| Loan loss allowance to noncurrent loans | 30.2727% | 6,273 |
| Noncurrent assets plus other real estate owned to assets | 3.0105% | 2,334 |
| Noncurrent loans to loans | 3.6900% | 2,012 |
| Net loans and leases to total assets | 57.0872% | 5,175 |
| Net loans and leases to deposits | 82.0382% | 2,795 |
| Net loans and leases to core deposits | 93.3384% | 2,338 |
| Total domestic deposits to total assets | 69.5861% | 7,257 |
| Equity capital to assets | 11.2360% | 2,467 |
| Core capital (leverage) ratio | 10.9034% | 2,224 |
| Tier 1 risk-based capital ratio | 15.8055% | 2,837 |
| Total risk-based capital ratio | 16.7640% | 2,955 |
| Memoranda: | ||
| Average total assets | $378,519,600 | 1,740 |
| Average earning assets | $355,251,200 | 1,689 |
| Average equity | $42,096,400 | 1,573 |
| Average total loans | $220,716,400 | 1,966 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3360% | 3,179 |
| Cost of funding earning assets | 1.5964% | 2,406 |
| Net interest margin | 3.7396% | 4,233 |
| Noninterest income to average assets | 0.9950% | 1,477 |
| Noninterest expense to average assets | 3.6006% | 1,794 |
| Loan and lease loss provision to assets | 0.5096% | 2,909 |
| Net operating income to assets | 0.3542% | 4,949 |
| Return on assets (ROA) | 0.4959% | 4,530 |
| Pretax return on assets | 0.5515% | 4,757 |
| Return on Equity (ROE) | 4.4708% | 4,571 |
| Retained earnings to average equity (ytd only) | 1.9360% | 4,988 |
| Net charge-offs to loans | 1.5724% | 1,265 |
| Credit loss provision to net charge-offs | 55.4493% | 5,793 |
| Earnings coverage of net charge-offs (x) | 0.9832% | 5,072 |
| Efficiency ratio | 79.3055% | 2,449 |
| Assets per employee ($millions) | 3.4347% | 5,127 |
| Cash dividends to net income (ytd only)* | 56.6973% | 1,368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2511% | 5,219 |
| Loan loss allowance to noncurrent loans | 39.0504% | 5,710 |
| Noncurrent assets plus other real estate owned to assets | 2.6299% | 2,753 |
| Noncurrent loans to loans | 3.2037% | 2,481 |
| Net loans and leases to total assets | 57.2196% | 5,376 |
| Net loans and leases to deposits | 82.5457% | 3,002 |
| Net loans and leases to core deposits | 94.3065% | 2,482 |
| Total domestic deposits to total assets | 69.3188% | 7,311 |
| Equity capital to assets | 11.3745% | 2,626 |
| Core capital (leverage) ratio | 10.7140% | 2,500 |
| Tier 1 risk-based capital ratio | 15.6808% | 2,912 |
| Total risk-based capital ratio | 16.7566% | 2,961 |
| Memoranda: | ||
| Average total assets | $379,337,250 | 1,756 |
| Average earning assets | $355,966,000 | 1,702 |
| Average equity | $42,079,750 | 1,577 |
| Average total loans | $221,735,750 | 1,987 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3833% | 3,047 |
| Cost of funding earning assets | 1.6070% | 2,613 |
| Net interest margin | 3.7763% | 4,013 |
| Noninterest income to average assets | 0.9691% | 1,461 |
| Noninterest expense to average assets | 3.7245% | 1,508 |
| Loan and lease loss provision to assets | 0.6824% | 2,123 |
| Net operating income to assets | 0.1255% | 5,792 |
| Return on assets (ROA) | 0.3606% | 5,085 |
| Pretax return on assets | 0.3402% | 5,395 |
| Return on Equity (ROE) | 3.2783% | 5,101 |
| Retained earnings to average equity (ytd only) | 1.3695% | 5,195 |
| Net charge-offs to loans | 2.3641% | 734 |
| Credit loss provision to net charge-offs | 49.2424% | 5,435 |
| Earnings coverage of net charge-offs (x) | 0.5682% | 5,167 |
| Efficiency ratio | 81.9197% | 2,179 |
| Assets per employee ($millions) | 3.4282% | 5,097 |
| Cash dividends to net income (ytd only)* | 58.2242% | 1,378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1419% | 5,734 |
| Loan loss allowance to noncurrent loans | 32.9869% | 6,169 |
| Noncurrent assets plus other real estate owned to assets | 2.5362% | 2,850 |
| Noncurrent loans to loans | 3.4616% | 2,293 |
| Net loans and leases to total assets | 57.7644% | 5,453 |
| Net loans and leases to deposits | 84.1538% | 2,847 |
| Net loans and leases to core deposits | 95.6774% | 2,480 |
| Total domestic deposits to total assets | 68.6414% | 7,405 |
| Equity capital to assets | 11.1822% | 2,704 |
| Core capital (leverage) ratio | 10.5595% | 2,578 |
| Tier 1 risk-based capital ratio | 15.3698% | 2,969 |
| Total risk-based capital ratio | 16.3651% | 3,054 |
| Memoranda: | ||
| Average total assets | $380,989,000 | 1,764 |
| Average earning assets | $357,439,670 | 1,714 |
| Average equity | $41,911,670 | 1,574 |
| Average total loans | $223,336,330 | 1,995 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4545% | 2,806 |
| Cost of funding earning assets | 1.6208% | 2,830 |
| Net interest margin | 3.8337% | 3,653 |
| Noninterest income to average assets | 1.1563% | 927 |
| Noninterest expense to average assets | 4.0869% | 917 |
| Loan and lease loss provision to assets | 1.1542% | 1,060 |
| Net operating income to assets | -0.1690% | 6,506 |
| Return on assets (ROA) | 0.1312% | 6,043 |
| Pretax return on assets | -0.0220% | 6,385 |
| Return on Equity (ROE) | 1.2022% | 6,062 |
| Retained earnings to average equity (ytd only) | 1.2022% | 5,337 |
| Net charge-offs to loans | 3.2757% | 453 |
| Credit loss provision to net charge-offs | 60.0109% | 4,296 |
| Earnings coverage of net charge-offs (x) | 0.3448% | 4,729 |
| Efficiency ratio | 85.4429% | 1,858 |
| Assets per employee ($millions) | 3.2417% | 5,668 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4100% | 4,372 |
| Loan loss allowance to noncurrent loans | 33.5109% | 6,169 |
| Noncurrent assets plus other real estate owned to assets | 3.0169% | 2,377 |
| Noncurrent loans to loans | 4.2075% | 1,833 |
| Net loans and leases to total assets | 59.5078% | 5,201 |
| Net loans and leases to deposits | 86.4552% | 2,509 |
| Net loans and leases to core deposits | 96.6124% | 2,509 |
| Total domestic deposits to total assets | 68.8307% | 7,477 |
| Equity capital to assets | 11.2567% | 2,534 |
| Core capital (leverage) ratio | 10.2369% | 2,889 |
| Tier 1 risk-based capital ratio | 15.2162% | 2,998 |
| Total risk-based capital ratio | 16.4427% | 2,976 |
| Memoranda: | ||
| Average total assets | $381,216,500 | 1,807 |
| Average earning assets | $357,356,500 | 1,754 |
| Average equity | $41,591,500 | 1,605 |
| Average total loans | $223,828,500 | 2,045 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5275% | 4,006 |
| Cost of funding earning assets | 1.6491% | 4,798 |
| Net interest margin | 3.8784% | 3,358 |
| Noninterest income to average assets | 0.6587% | 3,231 |
| Noninterest expense to average assets | 3.0270% | 4,039 |
| Loan and lease loss provision to assets | 0.8508% | 2,610 |
| Net operating income to assets | 0.4311% | 4,003 |
| Return on assets (ROA) | 0.4533% | 4,040 |
| Pretax return on assets | 0.4657% | 4,304 |
| Return on Equity (ROE) | 4.4328% | 3,910 |
| Retained earnings to average equity (ytd only) | 4.4328% | 2,140 |
| Net charge-offs to loans | 0.8650% | 2,669 |
| Credit loss provision to net charge-offs | 176.3796% | 2,380 |
| Earnings coverage of net charge-offs (x) | 2.6818% | 3,762 |
| Efficiency ratio | 69.4380% | 4,740 |
| Assets per employee ($millions) | 3.5717% | 4,842 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7271% | 2,798 |
| Loan loss allowance to noncurrent loans | 39.9362% | 5,749 |
| Noncurrent assets plus other real estate owned to assets | 2.6797% | 2,621 |
| Noncurrent loans to loans | 4.3246% | 1,665 |
| Net loans and leases to total assets | 56.1801% | 5,923 |
| Net loans and leases to deposits | 86.8181% | 2,774 |
| Net loans and leases to core deposits | 108.7761% | 3,025 |
| Total domestic deposits to total assets | 64.7101% | 7,682 |
| Equity capital to assets | 10.5843% | 3,090 |
| Core capital (leverage) ratio | 9.9827% | 3,109 |
| Tier 1 risk-based capital ratio | 14.9825% | 2,948 |
| Total risk-based capital ratio | 16.2357% | 2,897 |
| Memoranda: | ||
| Average total assets | $401,975,800 | 1,709 |
| Average earning assets | $379,541,400 | 1,658 |
| Average equity | $41,102,600 | 1,628 |
| Average total loans | $224,161,400 | 2,069 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6156% | 3,772 |
| Cost of funding earning assets | 1.6698% | 5,061 |
| Net interest margin | 3.9458% | 3,059 |
| Noninterest income to average assets | 0.5835% | 3,832 |
| Noninterest expense to average assets | 2.9443% | 4,255 |
| Loan and lease loss provision to assets | 0.6168% | 2,925 |
| Net operating income to assets | 0.5988% | 3,607 |
| Return on assets (ROA) | 0.6085% | 3,632 |
| Pretax return on assets | 0.7632% | 3,652 |
| Return on Equity (ROE) | 6.0025% | 3,529 |
| Retained earnings to average equity (ytd only) | 6.0025% | 1,948 |
| Net charge-offs to loans | 1.0848% | 1,836 |
| Credit loss provision to net charge-offs | 102.5782% | 4,960 |
| Earnings coverage of net charge-offs (x) | 2.2748% | 4,117 |
| Efficiency ratio | 67.6610% | 5,049 |
| Assets per employee ($millions) | 3.6972% | 4,431 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0902% | 5,790 |
| Loan loss allowance to noncurrent loans | 34.1576% | 6,159 |
| Noncurrent assets plus other real estate owned to assets | 2.1069% | 3,205 |
| Noncurrent loans to loans | 3.1916% | 2,369 |
| Net loans and leases to total assets | 56.0741% | 6,132 |
| Net loans and leases to deposits | 86.6968% | 3,187 |
| Net loans and leases to core deposits | 108.6991% | 3,386 |
| Total domestic deposits to total assets | 64.6785% | 7,739 |
| Equity capital to assets | 10.6925% | 3,298 |
| Core capital (leverage) ratio | 9.9392% | 3,356 |
| Tier 1 risk-based capital ratio | 15.0873% | 2,999 |
| Total risk-based capital ratio | 16.0365% | 3,085 |
| Memoranda: | ||
| Average total assets | $404,249,000 | 1,710 |
| Average earning assets | $381,999,000 | 1,664 |
| Average equity | $40,982,250 | 1,649 |
| Average total loans | $224,051,500 | 2,101 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6075% | 4,041 |
| Cost of funding earning assets | 1.6912% | 5,316 |
| Net interest margin | 3.9163% | 3,031 |
| Noninterest income to average assets | 0.6042% | 3,655 |
| Noninterest expense to average assets | 2.9592% | 4,255 |
| Loan and lease loss provision to assets | 0.4667% | 3,187 |
| Net operating income to assets | 0.7184% | 3,174 |
| Return on assets (ROA) | 0.7256% | 3,255 |
| Pretax return on assets | 0.8921% | 3,369 |
| Return on Equity (ROE) | 7.2861% | 3,067 |
| Retained earnings to average equity (ytd only) | 7.2861% | 1,471 |
| Net charge-offs to loans | 0.4608% | 2,984 |
| Credit loss provision to net charge-offs | 184.1085% | 2,490 |
| Earnings coverage of net charge-offs (x) | 5.3256% | 2,857 |
| Efficiency ratio | 68.0575% | 5,149 |
| Assets per employee ($millions) | 3.8934% | 3,886 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2600% | 4,537 |
| Loan loss allowance to noncurrent loans | 38.1260% | 5,866 |
| Noncurrent assets plus other real estate owned to assets | 2.2006% | 2,938 |
| Noncurrent loans to loans | 3.3048% | 2,135 |
| Net loans and leases to total assets | 55.3417% | 6,291 |
| Net loans and leases to deposits | 86.5952% | 3,443 |
| Net loans and leases to core deposits | 108.8942% | 3,504 |
| Total domestic deposits to total assets | 63.9085% | 7,835 |
| Equity capital to assets | 10.2500% | 3,669 |
| Core capital (leverage) ratio | 9.6109% | 3,750 |
| Tier 1 risk-based capital ratio | 15.0234% | 3,011 |
| Total risk-based capital ratio | 16.1294% | 3,006 |
| Memoranda: | ||
| Average total assets | $407,131,000 | 1,727 |
| Average earning assets | $385,164,000 | 1,680 |
| Average equity | $40,543,000 | 1,671 |
| Average total loans | $223,976,670 | 2,130 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6325% | 4,156 |
| Cost of funding earning assets | 1.7449% | 5,383 |
| Net interest margin | 3.8876% | 3,086 |
| Noninterest income to average assets | 0.5968% | 3,571 |
| Noninterest expense to average assets | 2.8182% | 4,487 |
| Loan and lease loss provision to assets | 0.6826% | 1,853 |
| Net operating income to assets | 0.6524% | 3,788 |
| Return on assets (ROA) | 0.6524% | 3,970 |
| Pretax return on assets | 0.7743% | 4,172 |
| Return on Equity (ROE) | 6.6465% | 3,751 |
| Retained earnings to average equity (ytd only) | 6.6465% | 2,353 |
| Net charge-offs to loans | 0.2362% | 3,227 |
| Credit loss provision to net charge-offs | 530.3030% | 1,042 |
| Earnings coverage of net charge-offs (x) | 11.3182% | 1,885 |
| Efficiency ratio | 65.3057% | 5,449 |
| Assets per employee ($millions) | 3.9564% | 3,760 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3381% | 3,866 |
| Loan loss allowance to noncurrent loans | 50.3822% | 5,171 |
| Noncurrent assets plus other real estate owned to assets | 1.7928% | 3,233 |
| Noncurrent loans to loans | 2.6560% | 2,472 |
| Net loans and leases to total assets | 53.6637% | 6,509 |
| Net loans and leases to deposits | 82.3094% | 4,234 |
| Net loans and leases to core deposits | 103.3458% | 4,210 |
| Total domestic deposits to total assets | 65.1975% | 7,779 |
| Equity capital to assets | 10.0441% | 3,954 |
| Core capital (leverage) ratio | 9.2606% | 4,301 |
| Tier 1 risk-based capital ratio | 14.8562% | 3,134 |
| Total risk-based capital ratio | 16.0271% | 3,098 |
| Memoranda: | ||
| Average total assets | $410,184,000 | 1,725 |
| Average earning assets | $388,108,000 | 1,686 |
| Average equity | $40,262,000 | 1,693 |
| Average total loans | $223,582,000 | 2,151 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2819% | 4,060 |
| Cost of funding earning assets | 2.3223% | 5,052 |
| Net interest margin | 3.9596% | 3,310 |
| Noninterest income to average assets | 0.7046% | 3,099 |
| Noninterest expense to average assets | 2.9218% | 4,371 |
| Loan and lease loss provision to assets | 0.1895% | 4,988 |
| Net operating income to assets | 0.9524% | 2,781 |
| Return on assets (ROA) | 0.9801% | 2,518 |
| Pretax return on assets | 1.3625% | 2,083 |
| Return on Equity (ROE) | 10.0556% | 2,245 |
| Retained earnings to average equity (ytd only) | 2.5971% | 3,574 |
| Net charge-offs to loans | 0.3372% | 3,144 |
| Credit loss provision to net charge-offs | 95.6750% | 5,525 |
| Earnings coverage of net charge-offs (x) | 7.6409% | 3,057 |
| Efficiency ratio | 65.2423% | 5,266 |
| Assets per employee ($millions) | 3.9319% | 3,651 |
| Cash dividends to net income (ytd only)* | 74.1722% | 1,982 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0634% | 5,528 |
| Loan loss allowance to noncurrent loans | 58.6738% | 5,072 |
| Noncurrent assets plus other real estate owned to assets | 1.2125% | 3,815 |
| Noncurrent loans to loans | 1.8123% | 3,044 |
| Net loans and leases to total assets | 54.0416% | 6,648 |
| Net loans and leases to deposits | 85.3642% | 4,202 |
| Net loans and leases to core deposits | 104.7213% | 4,331 |
| Total domestic deposits to total assets | 63.3071% | 7,824 |
| Equity capital to assets | 9.5901% | 4,560 |
| Core capital (leverage) ratio | 9.3579% | 4,220 |
| Tier 1 risk-based capital ratio | 14.4500% | 3,322 |
| Total risk-based capital ratio | 15.3881% | 3,400 |
| Memoranda: | ||
| Average total assets | $385,179,400 | 1,756 |
| Average earning assets | $362,915,600 | 1,712 |
| Average equity | $37,541,200 | 1,802 |
| Average total loans | $226,253,600 | 2,073 |