Home > Citizens State Bank > Performance and Condition Ratios
Citizens State Bank, 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 | 3.6410% | 5,303 |
| Cost of funding earning assets | 0.4279% | 4,343 |
| Net interest margin | 3.2131% | 4,961 |
| Noninterest income to average assets | 0.5980% | 3,107 |
| Noninterest expense to average assets | 3.1790% | 2,483 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.1983% | 5,822 |
| Return on assets (ROA) | 0.5768% | 4,488 |
| Pretax return on assets | 0.8378% | 4,005 |
| Return on Equity (ROE) | 6.7071% | 3,720 |
| Retained earnings to average equity (ytd only) | 5.1328% | 2,507 |
| Net charge-offs to loans | 0.1131% | 3,689 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 14.6429% | 1,927 |
| Efficiency ratio | 91.6633% | 895 |
| Assets per employee ($millions) | 2.9282% | 5,944 |
| Cash dividends to net income (ytd only)* | 23.4719% | 3,579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3564% | 154 |
| Loan loss allowance to noncurrent loans | 78.7202% | 4,215 |
| Noncurrent assets plus other real estate owned to assets | 0.9562% | 3,502 |
| Noncurrent loans to loans | 5.5341% | 407 |
| Net loans and leases to total assets | 16.5260% | 6,707 |
| Net loans and leases to deposits | 18.6304% | 6,715 |
| Net loans and leases to core deposits | 18.8371% | 6,711 |
| Total domestic deposits to total assets | 88.7047% | 1,800 |
| Equity capital to assets | 6.8273% | 6,502 |
| Core capital (leverage) ratio | 7.2590% | 6,458 |
| Tier 1 risk-based capital ratio | 16.6329% | 2,783 |
| Total risk-based capital ratio | 17.3337% | 3,019 |
| Memoranda: | ||
| Average total assets | $70,902,600 | 5,443 |
| Average earning assets | $63,335,000 | 5,492 |
| Average equity | $6,098,000 | 5,799 |
| Average total loans | $12,378,600 | 6,503 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6891% | 5,190 |
| Cost of funding earning assets | 0.4320% | 4,488 |
| Net interest margin | 3.2570% | 4,805 |
| Noninterest income to average assets | 0.3809% | 4,668 |
| Noninterest expense to average assets | 2.8107% | 3,624 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.4841% | 4,871 |
| Return on assets (ROA) | 0.6774% | 4,115 |
| Pretax return on assets | 0.6774% | 4,754 |
| Return on Equity (ROE) | 7.4937% | 3,381 |
| Retained earnings to average equity (ytd only) | 5.9991% | 2,403 |
| Net charge-offs to loans | 0.0429% | 4,298 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 64.5385% | 706 |
| Efficiency ratio | 85.3075% | 1,433 |
| Assets per employee ($millions) | 2.7926% | 6,167 |
| Cash dividends to net income (ytd only)* | 19.9452% | 3,091 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4649% | 166 |
| Loan loss allowance to noncurrent loans | 116.4147% | 3,099 |
| Noncurrent assets plus other real estate owned to assets | 0.6632% | 4,451 |
| Noncurrent loans to loans | 3.8353% | 938 |
| Net loans and leases to total assets | 16.5194% | 6,785 |
| Net loans and leases to deposits | 19.6397% | 6,792 |
| Net loans and leases to core deposits | 19.8708% | 6,793 |
| Total domestic deposits to total assets | 84.1123% | 4,144 |
| Equity capital to assets | 7.6961% | 6,307 |
| Core capital (leverage) ratio | 7.4953% | 6,448 |
| Tier 1 risk-based capital ratio | 17.3614% | 2,554 |
| Total risk-based capital ratio | 18.0357% | 2,767 |
| Memoranda: | ||
| Average total assets | $71,059,000 | 5,503 |
| Average earning assets | $63,573,750 | 5,543 |
| Average equity | $6,423,000 | 5,783 |
| Average total loans | $12,437,500 | 6,569 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6052% | 5,417 |
| Cost of funding earning assets | 0.4324% | 4,637 |
| Net interest margin | 3.1728% | 5,038 |
| Noninterest income to average assets | 0.6296% | 3,019 |
| Noninterest expense to average assets | 2.7423% | 3,884 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.7415% | 3,612 |
| Return on assets (ROA) | 0.8367% | 3,269 |
| Pretax return on assets | 0.8367% | 4,169 |
| Return on Equity (ROE) | 8.8292% | 2,690 |
| Retained earnings to average equity (ytd only) | 7.4118% | 1,707 |
| Net charge-offs to loans | 0.1115% | 3,249 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 37.8571% | 964 |
| Efficiency ratio | 78.7149% | 2,343 |
| Assets per employee ($millions) | 2.8670% | 6,071 |
| Cash dividends to net income (ytd only)* | 16.0535% | 3,142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4075% | 185 |
| Loan loss allowance to noncurrent loans | 106.1386% | 3,307 |
| Noncurrent assets plus other real estate owned to assets | 1.0548% | 3,633 |
| Noncurrent loans to loans | 4.1526% | 912 |
| Net loans and leases to total assets | 16.2193% | 6,835 |
| Net loans and leases to deposits | 18.9015% | 6,844 |
| Net loans and leases to core deposits | 19.1131% | 6,843 |
| Total domestic deposits to total assets | 85.8094% | 3,472 |
| Equity capital to assets | 8.1438% | 6,101 |
| Core capital (leverage) ratio | 7.5324% | 6,442 |
| Tier 1 risk-based capital ratio | 17.0892% | 2,683 |
| Total risk-based capital ratio | 18.3454% | 2,651 |
| Memoranda: | ||
| Average total assets | $71,473,670 | 5,523 |
| Average earning assets | $64,296,000 | 5,551 |
| Average equity | $6,773,000 | 5,742 |
| Average total loans | $12,559,330 | 6,611 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5660% | 5,540 |
| Cost of funding earning assets | 0.4465% | 4,632 |
| Net interest margin | 3.1195% | 5,196 |
| Noninterest income to average assets | 0.6837% | 2,683 |
| Noninterest expense to average assets | 2.9703% | 3,082 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.5324% | 4,526 |
| Return on assets (ROA) | 0.7230% | 3,712 |
| Pretax return on assets | 0.7230% | 4,474 |
| Return on Equity (ROE) | 7.1261% | 3,425 |
| Retained earnings to average equity (ytd only) | 5.8003% | 2,778 |
| Net charge-offs to loans | 0.0941% | 2,908 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 31.6667% | 940 |
| Efficiency ratio | 84.8000% | 1,666 |
| Assets per employee ($millions) | 2.8807% | 6,174 |
| Cash dividends to net income (ytd only)* | 18.6047% | 2,334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3686% | 216 |
| Loan loss allowance to noncurrent loans | 115.3846% | 2,982 |
| Noncurrent assets plus other real estate owned to assets | 1.0039% | 3,916 |
| Noncurrent loans to loans | 3.7861% | 1,221 |
| Net loans and leases to total assets | 16.4140% | 6,905 |
| Net loans and leases to deposits | 18.4265% | 6,921 |
| Net loans and leases to core deposits | 18.6234% | 6,919 |
| Total domestic deposits to total assets | 89.0777% | 1,639 |
| Equity capital to assets | 9.9517% | 4,208 |
| Core capital (leverage) ratio | 8.1899% | 5,939 |
| Tier 1 risk-based capital ratio | 19.7228% | 1,843 |
| Total risk-based capital ratio | 20.9811% | 1,811 |
| Memoranda: | ||
| Average total assets | $71,373,500 | 5,581 |
| Average earning assets | $64,497,500 | 5,596 |
| Average equity | $7,241,000 | 5,675 |
| Average total loans | $12,758,500 | 6,672 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7025% | 6,049 |
| Cost of funding earning assets | 0.6926% | 3,557 |
| Net interest margin | 3.0099% | 6,031 |
| Noninterest income to average assets | 0.6725% | 2,871 |
| Noninterest expense to average assets | 3.2513% | 2,470 |
| Loan and lease loss provision to assets | -0.2935% | 7,011 |
| Net operating income to assets | 0.2982% | 5,474 |
| Return on assets (ROA) | 0.2894% | 5,717 |
| Pretax return on assets | 0.4008% | 5,577 |
| Return on Equity (ROE) | 2.8433% | 5,617 |
| Retained earnings to average equity (ytd only) | 1.5618% | 5,089 |
| Net charge-offs to loans | 0.2372% | 3,517 |
| Credit loss provision to net charge-offs | -600.0000% | 6,532 |
| Earnings coverage of net charge-offs (x) | 2.4444% | 4,188 |
| Efficiency ratio | 96.4530% | 691 |
| Assets per employee ($millions) | 2.8292% | 6,268 |
| Cash dividends to net income (ytd only)* | 45.0704% | 2,584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1274% | 264 |
| Loan loss allowance to noncurrent loans | 134.0741% | 2,596 |
| Noncurrent assets plus other real estate owned to assets | 0.9388% | 4,154 |
| Noncurrent loans to loans | 3.0784% | 1,686 |
| Net loans and leases to total assets | 17.8329% | 6,952 |
| Net loans and leases to deposits | 20.0902% | 6,970 |
| Net loans and leases to core deposits | 20.3088% | 6,973 |
| Total domestic deposits to total assets | 88.7642% | 1,723 |
| Equity capital to assets | 10.3423% | 3,706 |
| Core capital (leverage) ratio | 8.4539% | 5,689 |
| Tier 1 risk-based capital ratio | 19.8067% | 1,727 |
| Total risk-based capital ratio | 21.0632% | 1,697 |
| Memoranda: | ||
| Average total assets | $73,602,000 | 5,526 |
| Average earning assets | $65,982,600 | 5,553 |
| Average equity | $7,491,400 | 5,642 |
| Average total loans | $15,178,800 | 6,648 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8021% | 6,024 |
| Cost of funding earning assets | 0.7432% | 3,403 |
| Net interest margin | 3.0589% | 6,047 |
| Noninterest income to average assets | 0.6835% | 2,793 |
| Noninterest expense to average assets | 3.1467% | 2,731 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.2763% | 5,695 |
| Return on assets (ROA) | 0.6064% | 4,624 |
| Pretax return on assets | 0.6064% | 5,146 |
| Return on Equity (ROE) | 5.9805% | 4,339 |
| Retained earnings to average equity (ytd only) | 5.9805% | 2,709 |
| Net charge-offs to loans | 0.0340% | 5,169 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 38.5235% | 907 |
| Efficiency ratio | 91.9287% | 891 |
| Assets per employee ($millions) | 2.7197% | 6,465 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.5779% | 98 |
| Loan loss allowance to noncurrent loans | 58.4627% | 4,721 |
| Noncurrent assets plus other real estate owned to assets | 3.4506% | 1,458 |
| Noncurrent loans to loans | 9.5409% | 274 |
| Net loans and leases to total assets | 18.9357% | 7,042 |
| Net loans and leases to deposits | 21.5968% | 7,061 |
| Net loans and leases to core deposits | 21.8341% | 7,064 |
| Total domestic deposits to total assets | 87.6784% | 2,240 |
| Equity capital to assets | 11.2638% | 2,966 |
| Core capital (leverage) ratio | 8.5738% | 5,661 |
| Tier 1 risk-based capital ratio | 20.8495% | 1,566 |
| Total risk-based capital ratio | 22.1164% | 1,524 |
| Memoranda: | ||
| Average total assets | $74,320,250 | 5,559 |
| Average earning assets | $66,558,500 | 5,594 |
| Average equity | $7,535,500 | 5,685 |
| Average total loans | $15,684,500 | 6,704 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8078% | 6,121 |
| Cost of funding earning assets | 0.7622% | 3,502 |
| Net interest margin | 3.0457% | 6,133 |
| Noninterest income to average assets | 0.7097% | 2,615 |
| Noninterest expense to average assets | 3.0931% | 2,948 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.3575% | 5,391 |
| Return on assets (ROA) | 0.6462% | 4,383 |
| Pretax return on assets | 0.6462% | 4,977 |
| Return on Equity (ROE) | 6.6014% | 3,992 |
| Retained earnings to average equity (ytd only) | 6.6014% | 2,330 |
| Net charge-offs to loans | 0.0247% | 5,040 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 67.5000% | 579 |
| Efficiency ratio | 89.6393% | 1,099 |
| Assets per employee ($millions) | 2.8599% | 6,299 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1460% | 143 |
| Loan loss allowance to noncurrent loans | 62.5888% | 4,531 |
| Noncurrent assets plus other real estate owned to assets | 3.1443% | 1,729 |
| Noncurrent loans to loans | 8.2219% | 407 |
| Net loans and leases to total assets | 19.6579% | 7,088 |
| Net loans and leases to deposits | 22.1799% | 7,109 |
| Net loans and leases to core deposits | 22.4084% | 7,120 |
| Total domestic deposits to total assets | 88.6292% | 1,747 |
| Equity capital to assets | 10.3676% | 3,848 |
| Core capital (leverage) ratio | 8.1874% | 6,065 |
| Tier 1 risk-based capital ratio | 19.6268% | 1,807 |
| Total risk-based capital ratio | 20.8931% | 1,770 |
| Memoranda: | ||
| Average total assets | $75,522,670 | 5,562 |
| Average earning assets | $67,965,000 | 5,591 |
| Average equity | $7,392,330 | 5,746 |
| Average total loans | $16,185,670 | 6,723 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7790% | 6,294 |
| Cost of funding earning assets | 0.8014% | 3,463 |
| Net interest margin | 2.9776% | 6,344 |
| Noninterest income to average assets | 0.8041% | 2,146 |
| Noninterest expense to average assets | 3.1535% | 2,750 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.3259% | 5,568 |
| Return on assets (ROA) | 0.8567% | 3,358 |
| Pretax return on assets | 0.8567% | 4,201 |
| Return on Equity (ROE) | 9.0130% | 2,828 |
| Retained earnings to average equity (ytd only) | 9.0130% | 1,593 |
| Net charge-offs to loans | 0.0241% | 4,350 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 62.0000% | 540 |
| Efficiency ratio | 90.6344% | 1,043 |
| Assets per employee ($millions) | 2.9310% | 6,290 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9818% | 179 |
| Loan loss allowance to noncurrent loans | 59.6992% | 4,545 |
| Noncurrent assets plus other real estate owned to assets | 3.1296% | 1,855 |
| Noncurrent loans to loans | 8.3448% | 449 |
| Net loans and leases to total assets | 19.8722% | 7,145 |
| Net loans and leases to deposits | 22.2147% | 7,164 |
| Net loans and leases to core deposits | 22.4349% | 7,175 |
| Total domestic deposits to total assets | 89.4550% | 1,395 |
| Equity capital to assets | 9.5621% | 4,705 |
| Core capital (leverage) ratio | 8.2492% | 5,955 |
| Tier 1 risk-based capital ratio | 19.4233% | 1,861 |
| Total risk-based capital ratio | 20.6877% | 1,824 |
| Memoranda: | ||
| Average total assets | $76,105,500 | 5,591 |
| Average earning assets | $68,378,000 | 5,618 |
| Average equity | $7,234,000 | 5,803 |
| Average total loans | $16,573,500 | 6,767 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3830% | 5,488 |
| Cost of funding earning assets | 1.0142% | 3,271 |
| Net interest margin | 3.3688% | 5,588 |
| Noninterest income to average assets | 1.1604% | 975 |
| Noninterest expense to average assets | 3.6183% | 1,709 |
| Loan and lease loss provision to assets | 0.0639% | 5,812 |
| Net operating income to assets | 0.3474% | 5,081 |
| Return on assets (ROA) | 0.5789% | 4,288 |
| Pretax return on assets | 0.8144% | 3,930 |
| Return on Equity (ROE) | 6.2704% | 3,745 |
| Retained earnings to average equity (ytd only) | 4.8866% | 2,724 |
| Net charge-offs to loans | 1.1808% | 1,431 |
| Credit loss provision to net charge-offs | 21.8182% | 5,892 |
| Earnings coverage of net charge-offs (x) | 1.8864% | 4,366 |
| Efficiency ratio | 86.7581% | 1,472 |
| Assets per employee ($millions) | 2.8150% | 6,437 |
| Cash dividends to net income (ytd only)* | 22.0690% | 3,447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6197% | 238 |
| Loan loss allowance to noncurrent loans | 58.0716% | 4,603 |
| Noncurrent assets plus other real estate owned to assets | 3.1933% | 1,871 |
| Noncurrent loans to loans | 7.9551% | 506 |
| Net loans and leases to total assets | 21.5962% | 7,187 |
| Net loans and leases to deposits | 24.1035% | 7,208 |
| Net loans and leases to core deposits | 24.4587% | 7,211 |
| Total domestic deposits to total assets | 89.5979% | 1,205 |
| Equity capital to assets | 9.4482% | 4,968 |
| Core capital (leverage) ratio | 8.0270% | 6,235 |
| Tier 1 risk-based capital ratio | 18.4442% | 2,065 |
| Total risk-based capital ratio | 19.7086% | 2,024 |
| Memoranda: | ||
| Average total assets | $75,146,000 | 5,598 |
| Average earning assets | $67,146,200 | 5,637 |
| Average equity | $6,937,400 | 5,879 |
| Average total loans | $18,631,000 | 6,726 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4838% | 5,296 |
| Cost of funding earning assets | 1.0387% | 3,400 |
| Net interest margin | 3.4451% | 5,412 |
| Noninterest income to average assets | 1.3523% | 715 |
| Noninterest expense to average assets | 3.5765% | 1,764 |
| Loan and lease loss provision to assets | 0.0641% | 5,649 |
| Net operating income to assets | 0.7865% | 3,228 |
| Return on assets (ROA) | 1.1797% | 1,832 |
| Pretax return on assets | 1.1797% | 2,694 |
| Return on Equity (ROE) | 12.8551% | 1,316 |
| Retained earnings to average equity (ytd only) | 12.8551% | 395 |
| Net charge-offs to loans | 0.3301% | 3,444 |
| Credit loss provision to net charge-offs | 76.5957% | 4,253 |
| Earnings coverage of net charge-offs (x) | 10.1695% | 1,961 |
| Efficiency ratio | 80.7878% | 2,148 |
| Assets per employee ($millions) | 2.7519% | 6,571 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4235% | 140 |
| Loan loss allowance to noncurrent loans | 60.9694% | 4,415 |
| Noncurrent assets plus other real estate owned to assets | 3.5464% | 1,774 |
| Noncurrent loans to loans | 8.8954% | 447 |
| Net loans and leases to total assets | 22.4371% | 7,251 |
| Net loans and leases to deposits | 25.3544% | 7,276 |
| Net loans and leases to core deposits | 25.9936% | 7,276 |
| Total domestic deposits to total assets | 88.4941% | 1,767 |
| Equity capital to assets | 10.3484% | 3,900 |
| Core capital (leverage) ratio | 8.5091% | 5,700 |
| Tier 1 risk-based capital ratio | 19.6514% | 1,772 |
| Total risk-based capital ratio | 20.9026% | 1,745 |
| Memoranda: | ||
| Average total assets | $74,931,500 | 5,650 |
| Average earning assets | $66,875,500 | 5,685 |
| Average equity | $6,876,500 | 5,939 |
| Average total loans | $18,986,500 | 6,777 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4771% | 5,427 |
| Cost of funding earning assets | 1.0661% | 3,501 |
| Net interest margin | 3.4110% | 5,517 |
| Noninterest income to average assets | 1.6396% | 489 |
| Noninterest expense to average assets | 3.5932% | 1,754 |
| Loan and lease loss provision to assets | 0.0639% | 5,505 |
| Net operating income to assets | 1.0141% | 2,171 |
| Return on assets (ROA) | 1.4559% | 1,025 |
| Pretax return on assets | 1.4559% | 1,651 |
| Return on Equity (ROE) | 16.5615% | 605 |
| Retained earnings to average equity (ytd only) | 16.5615% | 183 |
| Net charge-offs to loans | 0.1132% | 4,569 |
| Credit loss provision to net charge-offs | 218.1818% | 1,368 |
| Earnings coverage of net charge-offs (x) | 36.8182% | 790 |
| Efficiency ratio | 76.9231% | 2,874 |
| Assets per employee ($millions) | 2.7337% | 6,589 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9941% | 189 |
| Loan loss allowance to noncurrent loans | 45.2865% | 5,299 |
| Noncurrent assets plus other real estate owned to assets | 3.6444% | 1,799 |
| Noncurrent loans to loans | 11.0279% | 315 |
| Net loans and leases to total assets | 25.2578% | 7,293 |
| Net loans and leases to deposits | 28.3419% | 7,324 |
| Net loans and leases to core deposits | 29.0539% | 7,332 |
| Total domestic deposits to total assets | 89.1182% | 1,469 |
| Equity capital to assets | 9.7533% | 4,457 |
| Core capital (leverage) ratio | 8.2895% | 5,883 |
| Tier 1 risk-based capital ratio | 18.5999% | 1,964 |
| Total risk-based capital ratio | 19.8708% | 1,926 |
| Memoranda: | ||
| Average total assets | $75,141,670 | 5,684 |
| Average earning assets | $66,784,330 | 5,733 |
| Average equity | $6,605,670 | 6,051 |
| Average total loans | $19,439,670 | 6,819 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4323% | 5,578 |
| Cost of funding earning assets | 1.0976% | 3,541 |
| Net interest margin | 3.3347% | 5,657 |
| Noninterest income to average assets | 0.8654% | 1,794 |
| Noninterest expense to average assets | 3.4614% | 2,114 |
| Loan and lease loss provision to assets | 0.0633% | 5,199 |
| Net operating income to assets | 0.2744% | 5,524 |
| Return on assets (ROA) | 1.0606% | 2,024 |
| Pretax return on assets | 1.0606% | 2,898 |
| Return on Equity (ROE) | 12.7437% | 1,262 |
| Retained earnings to average equity (ytd only) | 12.7437% | 628 |
| Net charge-offs to loans | 0.2067% | 3,271 |
| Credit loss provision to net charge-offs | 120.0000% | 2,273 |
| Earnings coverage of net charge-offs (x) | 6.4000% | 2,108 |
| Efficiency ratio | 91.1111% | 1,235 |
| Assets per employee ($millions) | 2.7463% | 6,635 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0210% | 188 |
| Loan loss allowance to noncurrent loans | 43.7274% | 5,383 |
| Noncurrent assets plus other real estate owned to assets | 3.3096% | 2,065 |
| Noncurrent loans to loans | 11.4825% | 308 |
| Net loans and leases to total assets | 24.7205% | 7,361 |
| Net loans and leases to deposits | 27.3578% | 7,398 |
| Net loans and leases to core deposits | 28.0301% | 7,402 |
| Total domestic deposits to total assets | 90.3600% | 927 |
| Equity capital to assets | 8.5665% | 5,820 |
| Core capital (leverage) ratio | 7.3429% | 6,828 |
| Tier 1 risk-based capital ratio | 16.2613% | 2,778 |
| Total risk-based capital ratio | 17.5306% | 2,728 |
| Memoranda: | ||
| Average total assets | $75,807,000 | 5,705 |
| Average earning assets | $66,692,500 | 5,779 |
| Average equity | $6,309,000 | 6,152 |
| Average total loans | $19,348,000 | 6,877 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4945% | 6,412 |
| Cost of funding earning assets | 1.3341% | 3,662 |
| Net interest margin | 3.1604% | 6,365 |
| Noninterest income to average assets | 0.7906% | 2,328 |
| Noninterest expense to average assets | 3.2613% | 2,861 |
| Loan and lease loss provision to assets | 2.6484% | 401 |
| Net operating income to assets | -1.4087% | 6,882 |
| Return on assets (ROA) | -1.2310% | 6,820 |
| Pretax return on assets | -1.9490% | 7,009 |
| Return on Equity (ROE) | -12.8195% | 6,834 |
| Retained earnings to average equity (ytd only) | -14.0702% | 6,843 |
| Net charge-offs to loans | 9.0689% | 22 |
| Credit loss provision to net charge-offs | 104.2344% | 4,312 |
| Earnings coverage of net charge-offs (x) | 0.1659% | 5,945 |
| Efficiency ratio | 88.5530% | 1,436 |
| Assets per employee ($millions) | 2.8691% | 6,404 |
| Cash dividends to net income (ytd only)* | -9.7561% | 7,486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9853% | 194 |
| Loan loss allowance to noncurrent loans | 60.5890% | 4,390 |
| Noncurrent assets plus other real estate owned to assets | 2.4256% | 2,846 |
| Noncurrent loans to loans | 8.2281% | 617 |
| Net loans and leases to total assets | 23.7914% | 7,474 |
| Net loans and leases to deposits | 26.1704% | 7,511 |
| Net loans and leases to core deposits | 28.1378% | 7,492 |
| Total domestic deposits to total assets | 90.9094% | 644 |
| Equity capital to assets | 8.0888% | 6,396 |
| Core capital (leverage) ratio | 7.3171% | 6,834 |
| Tier 1 risk-based capital ratio | 17.6846% | 2,096 |
| Total risk-based capital ratio | 18.9541% | 2,059 |
| Memoranda: | ||
| Average total assets | $79,936,400 | 5,595 |
| Average earning assets | $73,155,800 | 5,565 |
| Average equity | $7,675,800 | 5,815 |
| Average total loans | $22,395,200 | 6,803 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6368% | 6,235 |
| Cost of funding earning assets | 1.3808% | 3,699 |
| Net interest margin | 3.2561% | 6,151 |
| Noninterest income to average assets | 0.7779% | 2,334 |
| Noninterest expense to average assets | 3.2325% | 2,809 |
| Loan and lease loss provision to assets | 0.0596% | 6,471 |
| Net operating income to assets | 0.4717% | 4,436 |
| Return on assets (ROA) | 0.8392% | 2,975 |
| Pretax return on assets | 0.8392% | 3,773 |
| Return on Equity (ROE) | 8.4200% | 2,732 |
| Retained earnings to average equity (ytd only) | 7.2244% | 1,738 |
| Net charge-offs to loans | 0.0807% | 5,715 |
| Credit loss provision to net charge-offs | 257.1429% | 1,285 |
| Earnings coverage of net charge-offs (x) | 22.9239% | 1,073 |
| Efficiency ratio | 85.8839% | 1,645 |
| Assets per employee ($millions) | 3.0016% | 6,152 |
| Cash dividends to net income (ytd only)* | 14.2016% | 3,192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1151% | 332 |
| Loan loss allowance to noncurrent loans | 58.4357% | 4,416 |
| Noncurrent assets plus other real estate owned to assets | 1.9126% | 3,593 |
| Noncurrent loans to loans | 7.0421% | 797 |
| Net loans and leases to total assets | 25.9915% | 7,541 |
| Net loans and leases to deposits | 29.3923% | 7,567 |
| Net loans and leases to core deposits | 31.5551% | 7,561 |
| Total domestic deposits to total assets | 88.4295% | 1,714 |
| Equity capital to assets | 10.4057% | 3,632 |
| Core capital (leverage) ratio | 9.1463% | 4,463 |
| Tier 1 risk-based capital ratio | 21.3853% | 1,302 |
| Total risk-based capital ratio | 21.5540% | 1,458 |
| Memoranda: | ||
| Average total assets | $80,554,250 | 5,648 |
| Average earning assets | $73,870,250 | 5,610 |
| Average equity | $8,028,250 | 5,781 |
| Average total loans | $23,144,750 | 6,854 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6238% | 6,393 |
| Cost of funding earning assets | 1.4417% | 3,607 |
| Net interest margin | 3.1821% | 6,375 |
| Noninterest income to average assets | 0.8235% | 2,002 |
| Noninterest expense to average assets | 3.2441% | 2,744 |
| Loan and lease loss provision to assets | 0.0597% | 6,355 |
| Net operating income to assets | 0.4354% | 4,602 |
| Return on assets (ROA) | 0.7737% | 3,244 |
| Pretax return on assets | 0.7737% | 3,971 |
| Return on Equity (ROE) | 7.8801% | 2,927 |
| Retained earnings to average equity (ytd only) | 7.2720% | 1,724 |
| Net charge-offs to loans | 0.0680% | 5,465 |
| Credit loss provision to net charge-offs | 300.0000% | 1,219 |
| Earnings coverage of net charge-offs (x) | 24.8750% | 1,053 |
| Efficiency ratio | 86.7598% | 1,625 |
| Assets per employee ($millions) | 3.0219% | 6,101 |
| Cash dividends to net income (ytd only)* | 7.7170% | 3,206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8669% | 414 |
| Loan loss allowance to noncurrent loans | 47.3629% | 5,139 |
| Noncurrent assets plus other real estate owned to assets | 2.3238% | 3,109 |
| Noncurrent loans to loans | 8.1643% | 629 |
| Net loans and leases to total assets | 27.3621% | 7,591 |
| Net loans and leases to deposits | 30.9253% | 7,627 |
| Net loans and leases to core deposits | 33.9018% | 7,605 |
| Total domestic deposits to total assets | 88.4779% | 1,744 |
| Equity capital to assets | 10.3749% | 3,552 |
| Core capital (leverage) ratio | 8.8781% | 4,794 |
| Tier 1 risk-based capital ratio | 20.7766% | 1,378 |
| Total risk-based capital ratio | 20.9524% | 1,541 |
| Memoranda: | ||
| Average total assets | $80,391,670 | 5,689 |
| Average earning assets | $73,662,000 | 5,654 |
| Average equity | $7,893,330 | 5,840 |
| Average total loans | $23,537,000 | 6,888 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6673% | 6,351 |
| Cost of funding earning assets | 1.5137% | 3,468 |
| Net interest margin | 3.1536% | 6,441 |
| Noninterest income to average assets | 0.7068% | 2,552 |
| Noninterest expense to average assets | 3.2886% | 2,562 |
| Loan and lease loss provision to assets | 0.0602% | 6,036 |
| Net operating income to assets | 0.2406% | 5,542 |
| Return on assets (ROA) | 0.8673% | 2,768 |
| Pretax return on assets | 0.8673% | 3,595 |
| Return on Equity (ROE) | 9.0963% | 2,457 |
| Retained earnings to average equity (ytd only) | 9.0963% | 1,372 |
| Net charge-offs to loans | -0.0506% | 7,352 |
| Credit loss provision to net charge-offs | -400.0000% | 6,226 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.6201% | 1,307 |
| Assets per employee ($millions) | 3.0230% | 6,159 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8389% | 424 |
| Loan loss allowance to noncurrent loans | 45.7887% | 5,293 |
| Noncurrent assets plus other real estate owned to assets | 2.4001% | 3,033 |
| Noncurrent loans to loans | 8.3840% | 629 |
| Net loans and leases to total assets | 27.5281% | 7,683 |
| Net loans and leases to deposits | 30.7778% | 7,720 |
| Net loans and leases to core deposits | 33.8960% | 7,688 |
| Total domestic deposits to total assets | 89.4416% | 1,273 |
| Equity capital to assets | 9.4803% | 4,561 |
| Core capital (leverage) ratio | 9.0417% | 4,491 |
| Tier 1 risk-based capital ratio | 21.0949% | 1,327 |
| Total risk-based capital ratio | 21.3580% | 1,472 |
| Memoranda: | ||
| Average total assets | $79,792,000 | 5,775 |
| Average earning assets | $72,932,500 | 5,746 |
| Average equity | $7,607,500 | 5,976 |
| Average total loans | $23,694,000 | 6,961 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3061% | 5,148 |
| Cost of funding earning assets | 1.8005% | 3,993 |
| Net interest margin | 3.5056% | 4,930 |
| Noninterest income to average assets | 0.6457% | 3,321 |
| Noninterest expense to average assets | 3.4808% | 2,420 |
| Loan and lease loss provision to assets | 0.1273% | 6,367 |
| Net operating income to assets | 0.2041% | 4,891 |
| Return on assets (ROA) | 0.4482% | 4,054 |
| Pretax return on assets | 0.5158% | 4,140 |
| Return on Equity (ROE) | 4.5453% | 3,861 |
| Retained earnings to average equity (ytd only) | 3.2805% | 2,869 |
| Net charge-offs to loans | 0.5266% | 3,678 |
| Credit loss provision to net charge-offs | 73.1343% | 6,429 |
| Earnings coverage of net charge-offs (x) | 2.0821% | 4,173 |
| Efficiency ratio | 90.5680% | 1,666 |
| Assets per employee ($millions) | 2.8875% | 6,477 |
| Cash dividends to net income (ytd only)* | 27.8261% | 3,417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6716% | 458 |
| Loan loss allowance to noncurrent loans | 49.7743% | 5,065 |
| Noncurrent assets plus other real estate owned to assets | 2.2729% | 3,039 |
| Noncurrent loans to loans | 7.3766% | 723 |
| Net loans and leases to total assets | 29.6811% | 7,718 |
| Net loans and leases to deposits | 33.2323% | 7,773 |
| Net loans and leases to core deposits | 40.2785% | 7,753 |
| Total domestic deposits to total assets | 89.3140% | 1,323 |
| Equity capital to assets | 9.5906% | 4,280 |
| Core capital (leverage) ratio | 9.2418% | 4,067 |
| Tier 1 risk-based capital ratio | 20.2217% | 1,424 |
| Total risk-based capital ratio | 20.5002% | 1,566 |
| Memoranda: | ||
| Average total assets | $76,966,000 | 5,808 |
| Average earning assets | $70,202,400 | 5,806 |
| Average equity | $7,590,200 | 6,058 |
| Average total loans | $25,448,600 | 6,884 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4359% | 4,764 |
| Cost of funding earning assets | 1.8786% | 3,998 |
| Net interest margin | 3.5572% | 4,648 |
| Noninterest income to average assets | 0.6483% | 3,357 |
| Noninterest expense to average assets | 3.4064% | 2,558 |
| Loan and lease loss provision to assets | 0.1495% | 5,856 |
| Net operating income to assets | 0.3372% | 4,649 |
| Return on assets (ROA) | 0.6726% | 3,367 |
| Pretax return on assets | 0.6726% | 3,951 |
| Return on Equity (ROE) | 6.7729% | 3,175 |
| Retained earnings to average equity (ytd only) | 5.9328% | 1,983 |
| Net charge-offs to loans | 0.1499% | 5,211 |
| Credit loss provision to net charge-offs | 296.5517% | 1,396 |
| Earnings coverage of net charge-offs (x) | 9.6540% | 2,076 |
| Efficiency ratio | 87.5000% | 1,917 |
| Assets per employee ($millions) | 2.7844% | 6,670 |
| Cash dividends to net income (ytd only)* | 12.4033% | 3,450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8813% | 322 |
| Loan loss allowance to noncurrent loans | 218.3857% | 1,354 |
| Noncurrent assets plus other real estate owned to assets | 0.6278% | 5,876 |
| Noncurrent loans to loans | 1.7772% | 3,948 |
| Net loans and leases to total assets | 32.0852% | 7,748 |
| Net loans and leases to deposits | 36.3334% | 7,813 |
| Net loans and leases to core deposits | 44.1324% | 7,798 |
| Total domestic deposits to total assets | 88.3077% | 1,512 |
| Equity capital to assets | 10.3328% | 3,692 |
| Core capital (leverage) ratio | 9.3877% | 4,066 |
| Tier 1 risk-based capital ratio | 21.1279% | 1,352 |
| Total risk-based capital ratio | 21.5604% | 1,449 |
| Memoranda: | ||
| Average total assets | $76,717,000 | 5,855 |
| Average earning assets | $69,977,750 | 5,845 |
| Average equity | $7,618,500 | 6,103 |
| Average total loans | $25,805,250 | 6,925 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4420% | 4,931 |
| Cost of funding earning assets | 1.9259% | 4,131 |
| Net interest margin | 3.5161% | 4,725 |
| Noninterest income to average assets | 0.6293% | 3,473 |
| Noninterest expense to average assets | 3.3743% | 2,705 |
| Loan and lease loss provision to assets | 0.1916% | 5,129 |
| Net operating income to assets | 0.2641% | 5,032 |
| Return on assets (ROA) | 0.7355% | 3,217 |
| Pretax return on assets | 0.7355% | 3,879 |
| Return on Equity (ROE) | 7.5046% | 2,977 |
| Retained earnings to average equity (ytd only) | 6.8704% | 1,633 |
| Net charge-offs to loans | 0.1382% | 4,788 |
| Credit loss provision to net charge-offs | 411.1111% | 1,124 |
| Earnings coverage of net charge-offs (x) | 9.7778% | 2,077 |
| Efficiency ratio | 88.1001% | 2,009 |
| Assets per employee ($millions) | 2.9224% | 6,330 |
| Cash dividends to net income (ytd only)* | 8.4507% | 3,425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8194% | 298 |
| Loan loss allowance to noncurrent loans | 211.9826% | 1,428 |
| Noncurrent assets plus other real estate owned to assets | 0.6147% | 5,882 |
| Noncurrent loans to loans | 1.8018% | 3,800 |
| Net loans and leases to total assets | 31.0525% | 7,867 |
| Net loans and leases to deposits | 34.7561% | 7,922 |
| Net loans and leases to core deposits | 42.4556% | 7,901 |
| Total domestic deposits to total assets | 89.3441% | 1,103 |
| Equity capital to assets | 9.3365% | 4,815 |
| Core capital (leverage) ratio | 8.9892% | 4,646 |
| Tier 1 risk-based capital ratio | 19.1352% | 1,753 |
| Total risk-based capital ratio | 19.6316% | 1,860 |
| Memoranda: | ||
| Average total assets | $77,230,000 | 5,887 |
| Average earning assets | $70,304,670 | 5,876 |
| Average equity | $7,568,670 | 6,156 |
| Average total loans | $26,042,000 | 6,965 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5747% | 4,500 |
| Cost of funding earning assets | 1.9988% | 4,139 |
| Net interest margin | 3.5759% | 4,426 |
| Noninterest income to average assets | 0.7488% | 2,605 |
| Noninterest expense to average assets | 3.1940% | 3,007 |
| Loan and lease loss provision to assets | 0.3246% | 3,374 |
| Net operating income to assets | 0.4713% | 4,560 |
| Return on assets (ROA) | 1.2671% | 1,561 |
| Pretax return on assets | 1.2671% | 2,388 |
| Return on Equity (ROE) | 12.6214% | 1,479 |
| Retained earnings to average equity (ytd only) | 12.6214% | 695 |
| Net charge-offs to loans | 0.1671% | 3,631 |
| Credit loss provision to net charge-offs | 563.6364% | 998 |
| Earnings coverage of net charge-offs (x) | 13.8182% | 1,717 |
| Efficiency ratio | 80.0525% | 2,815 |
| Assets per employee ($millions) | 2.8527% | 6,526 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6636% | 283 |
| Loan loss allowance to noncurrent loans | 229.3839% | 1,467 |
| Noncurrent assets plus other real estate owned to assets | 0.5816% | 5,726 |
| Noncurrent loans to loans | 1.5972% | 3,883 |
| Net loans and leases to total assets | 33.0468% | 7,832 |
| Net loans and leases to deposits | 37.1890% | 7,916 |
| Net loans and leases to core deposits | 45.4983% | 7,877 |
| Total domestic deposits to total assets | 88.8619% | 1,298 |
| Equity capital to assets | 9.9190% | 4,089 |
| Core capital (leverage) ratio | 9.1532% | 4,476 |
| Tier 1 risk-based capital ratio | 19.3925% | 1,738 |
| Total risk-based capital ratio | 19.8583% | 1,857 |
| Memoranda: | ||
| Average total assets | $76,392,500 | 5,933 |
| Average earning assets | $69,241,000 | 5,939 |
| Average equity | $7,669,500 | 6,167 |
| Average total loans | $26,325,500 | 6,991 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4170% | 3,324 |
| Cost of funding earning assets | 2.4434% | 4,510 |
| Net interest margin | 3.9736% | 3,247 |
| Noninterest income to average assets | 1.3889% | 747 |
| Noninterest expense to average assets | 3.8781% | 1,599 |
| Loan and lease loss provision to assets | 0.3508% | 3,585 |
| Net operating income to assets | 0.5787% | 4,400 |
| Return on assets (ROA) | 0.7072% | 3,696 |
| Pretax return on assets | 0.9151% | 3,674 |
| Return on Equity (ROE) | 7.1711% | 3,442 |
| Retained earnings to average equity (ytd only) | 5.7943% | 1,623 |
| Net charge-offs to loans | 0.5984% | 2,037 |
| Credit loss provision to net charge-offs | 149.3976% | 3,530 |
| Earnings coverage of net charge-offs (x) | 4.6807% | 3,903 |
| Efficiency ratio | 77.9199% | 2,927 |
| Assets per employee ($millions) | 2.8060% | 6,546 |
| Cash dividends to net income (ytd only)* | 19.2000% | 4,471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4961% | 277 |
| Loan loss allowance to noncurrent loans | 235.7326% | 1,677 |
| Noncurrent assets plus other real estate owned to assets | 0.6982% | 5,127 |
| Noncurrent loans to loans | 1.4831% | 3,580 |
| Net loans and leases to total assets | 33.4103% | 7,907 |
| Net loans and leases to deposits | 37.7037% | 7,982 |
| Net loans and leases to core deposits | 46.8021% | 7,949 |
| Total domestic deposits to total assets | 88.6129% | 1,196 |
| Equity capital to assets | 10.1622% | 3,852 |
| Core capital (leverage) ratio | 9.3823% | 4,182 |
| Tier 1 risk-based capital ratio | 18.9274% | 1,826 |
| Total risk-based capital ratio | 19.3843% | 1,960 |
| Memoranda: | ||
| Average total assets | $70,705,200 | 6,011 |
| Average earning assets | $63,846,000 | 6,023 |
| Average equity | $6,972,400 | 6,464 |
| Average total loans | $27,739,800 | 6,861 |