Home > Eaton National Bank & Trust Co. > Performance and Condition Ratios
Eaton National Bank & Trust Co., 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 | 4.2239% | 3,252 |
| Cost of funding earning assets | 0.7258% | 1,644 |
| Net interest margin | 3.4981% | 3,921 |
| Noninterest income to average assets | 0.7118% | 2,473 |
| Noninterest expense to average assets | 3.0037% | 3,049 |
| Loan and lease loss provision to assets | 0.3083% | 1,082 |
| Net operating income to assets | 0.5423% | 4,548 |
| Return on assets (ROA) | 0.5423% | 4,669 |
| Pretax return on assets | 0.6794% | 4,610 |
| Return on Equity (ROE) | 5.7571% | 4,238 |
| Retained earnings to average equity (ytd only) | 0.1129% | 5,801 |
| Net charge-offs to loans | 0.8395% | 734 |
| Credit loss provision to net charge-offs | 52.4412% | 3,758 |
| Earnings coverage of net charge-offs (x) | 1.6799% | 4,490 |
| Efficiency ratio | 75.2531% | 2,908 |
| Assets per employee ($millions) | 3.2668% | 5,350 |
| Cash dividends to net income (ytd only)* | 98.0392% | 448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1909% | 4,710 |
| Loan loss allowance to noncurrent loans | 51.7822% | 5,188 |
| Noncurrent assets plus other real estate owned to assets | 1.8028% | 2,044 |
| Noncurrent loans to loans | 2.2999% | 1,675 |
| Net loans and leases to total assets | 71.1578% | 1,814 |
| Net loans and leases to deposits | 79.2008% | 2,563 |
| Net loans and leases to core deposits | 81.5363% | 2,954 |
| Total domestic deposits to total assets | 89.8448% | 1,158 |
| Equity capital to assets | 9.6310% | 4,242 |
| Core capital (leverage) ratio | 9.5273% | 4,223 |
| Tier 1 risk-based capital ratio | 13.9316% | 4,338 |
| Total risk-based capital ratio | 15.1578% | 4,298 |
| Memoranda: | ||
| Average total assets | $188,103,600 | 3,182 |
| Average earning assets | $176,355,000 | 3,125 |
| Average equity | $17,717,400 | 3,466 |
| Average total loans | $131,743,000 | 2,831 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2093% | 3,354 |
| Cost of funding earning assets | 0.7287% | 1,744 |
| Net interest margin | 3.4806% | 3,965 |
| Noninterest income to average assets | 0.7005% | 2,607 |
| Noninterest expense to average assets | 2.9947% | 3,013 |
| Loan and lease loss provision to assets | 0.2485% | 1,438 |
| Net operating income to assets | 0.5688% | 4,479 |
| Return on assets (ROA) | 0.5688% | 4,629 |
| Pretax return on assets | 0.7223% | 4,599 |
| Return on Equity (ROE) | 6.0721% | 4,148 |
| Retained earnings to average equity (ytd only) | 0.4359% | 5,797 |
| Net charge-offs to loans | 0.8309% | 704 |
| Credit loss provision to net charge-offs | 42.9963% | 3,654 |
| Earnings coverage of net charge-offs (x) | 1.6797% | 4,277 |
| Efficiency ratio | 75.5193% | 2,806 |
| Assets per employee ($millions) | 3.3480% | 5,187 |
| Cash dividends to net income (ytd only)* | 92.8219% | 516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1795% | 4,971 |
| Loan loss allowance to noncurrent loans | 47.4621% | 5,331 |
| Noncurrent assets plus other real estate owned to assets | 1.8320% | 2,225 |
| Noncurrent loans to loans | 2.4852% | 1,745 |
| Net loans and leases to total assets | 71.4280% | 1,695 |
| Net loans and leases to deposits | 81.1199% | 2,251 |
| Net loans and leases to core deposits | 83.4674% | 2,714 |
| Total domestic deposits to total assets | 88.0524% | 2,100 |
| Equity capital to assets | 9.2332% | 4,894 |
| Core capital (leverage) ratio | 9.3994% | 4,530 |
| Tier 1 risk-based capital ratio | 13.6105% | 4,682 |
| Total risk-based capital ratio | 14.8501% | 4,648 |
| Memoranda: | ||
| Average total assets | $189,394,500 | 3,192 |
| Average earning assets | $177,664,250 | 3,136 |
| Average equity | $17,742,000 | 3,495 |
| Average total loans | $131,742,500 | 2,841 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1945% | 3,393 |
| Cost of funding earning assets | 0.7391% | 1,779 |
| Net interest margin | 3.4554% | 3,981 |
| Noninterest income to average assets | 0.6871% | 2,706 |
| Noninterest expense to average assets | 2.9611% | 3,120 |
| Loan and lease loss provision to assets | 0.1609% | 2,316 |
| Net operating income to assets | 0.6034% | 4,259 |
| Return on assets (ROA) | 0.6034% | 4,444 |
| Pretax return on assets | 0.8067% | 4,290 |
| Return on Equity (ROE) | 6.4107% | 3,927 |
| Retained earnings to average equity (ytd only) | 0.7873% | 5,588 |
| Net charge-offs to loans | 0.4210% | 1,532 |
| Credit loss provision to net charge-offs | 55.6777% | 3,105 |
| Earnings coverage of net charge-offs (x) | 3.3480% | 3,420 |
| Efficiency ratio | 75.3705% | 2,884 |
| Assets per employee ($millions) | 3.1691% | 5,548 |
| Cash dividends to net income (ytd only)* | 87.7193% | 729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4959% | 3,609 |
| Loan loss allowance to noncurrent loans | 35.9105% | 5,806 |
| Noncurrent assets plus other real estate owned to assets | 2.9399% | 1,385 |
| Noncurrent loans to loans | 4.1656% | 907 |
| Net loans and leases to total assets | 69.5205% | 1,970 |
| Net loans and leases to deposits | 77.2740% | 2,681 |
| Net loans and leases to core deposits | 79.4946% | 3,089 |
| Total domestic deposits to total assets | 89.9662% | 1,046 |
| Equity capital to assets | 9.4530% | 4,644 |
| Core capital (leverage) ratio | 9.4134% | 4,368 |
| Tier 1 risk-based capital ratio | 14.0840% | 4,366 |
| Total risk-based capital ratio | 15.3376% | 4,322 |
| Memoranda: | ||
| Average total assets | $188,914,670 | 3,208 |
| Average earning assets | $177,231,670 | 3,155 |
| Average equity | $17,782,670 | 3,519 |
| Average total loans | $129,678,000 | 2,880 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1386% | 3,562 |
| Cost of funding earning assets | 0.7445% | 1,891 |
| Net interest margin | 3.3941% | 4,139 |
| Noninterest income to average assets | 0.6530% | 2,858 |
| Noninterest expense to average assets | 2.8818% | 3,412 |
| Loan and lease loss provision to assets | 0.1622% | 2,244 |
| Net operating income to assets | 0.5877% | 4,281 |
| Return on assets (ROA) | 0.5877% | 4,427 |
| Pretax return on assets | 0.7879% | 4,218 |
| Return on Equity (ROE) | 6.2568% | 3,912 |
| Retained earnings to average equity (ytd only) | 0.6504% | 5,569 |
| Net charge-offs to loans | 0.3143% | 1,708 |
| Credit loss provision to net charge-offs | 76.2376% | 2,212 |
| Earnings coverage of net charge-offs (x) | 4.4653% | 2,548 |
| Efficiency ratio | 75.2062% | 3,059 |
| Assets per employee ($millions) | 3.1198% | 5,788 |
| Cash dividends to net income (ytd only)* | 89.6057% | 754 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6161% | 3,331 |
| Loan loss allowance to noncurrent loans | 40.2136% | 5,605 |
| Noncurrent assets plus other real estate owned to assets | 2.7750% | 1,636 |
| Noncurrent loans to loans | 4.0188% | 1,122 |
| Net loans and leases to total assets | 66.2480% | 2,324 |
| Net loans and leases to deposits | 73.5901% | 2,977 |
| Net loans and leases to core deposits | 75.6568% | 3,366 |
| Total domestic deposits to total assets | 90.0231% | 1,032 |
| Equity capital to assets | 9.3779% | 5,024 |
| Core capital (leverage) ratio | 9.4397% | 4,183 |
| Tier 1 risk-based capital ratio | 14.3962% | 4,246 |
| Total risk-based capital ratio | 15.6513% | 4,205 |
| Memoranda: | ||
| Average total assets | $189,883,000 | 3,224 |
| Average earning assets | $177,836,000 | 3,175 |
| Average equity | $17,836,500 | 3,547 |
| Average total loans | $128,536,000 | 2,916 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3916% | 3,844 |
| Cost of funding earning assets | 0.8327% | 2,405 |
| Net interest margin | 3.5589% | 4,270 |
| Noninterest income to average assets | 0.7052% | 2,695 |
| Noninterest expense to average assets | 2.8872% | 3,688 |
| Loan and lease loss provision to assets | 0.6924% | 750 |
| Net operating income to assets | 0.3819% | 5,173 |
| Return on assets (ROA) | 0.3760% | 5,427 |
| Pretax return on assets | 0.4777% | 5,343 |
| Return on Equity (ROE) | 3.8872% | 5,190 |
| Retained earnings to average equity (ytd only) | -2.4446% | 6,221 |
| Net charge-offs to loans | 0.9270% | 1,214 |
| Credit loss provision to net charge-offs | 108.8777% | 2,699 |
| Earnings coverage of net charge-offs (x) | 1.8518% | 4,504 |
| Efficiency ratio | 71.0299% | 3,619 |
| Assets per employee ($millions) | 3.1059% | 5,832 |
| Cash dividends to net income (ytd only)* | 162.8895% | 184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6250% | 3,203 |
| Loan loss allowance to noncurrent loans | 38.3911% | 5,695 |
| Noncurrent assets plus other real estate owned to assets | 3.0276% | 1,559 |
| Noncurrent loans to loans | 4.2327% | 1,061 |
| Net loans and leases to total assets | 66.9440% | 2,374 |
| Net loans and leases to deposits | 74.4522% | 3,032 |
| Net loans and leases to core deposits | 76.5433% | 3,458 |
| Total domestic deposits to total assets | 89.9154% | 997 |
| Equity capital to assets | 9.4090% | 4,986 |
| Core capital (leverage) ratio | 9.3531% | 4,333 |
| Tier 1 risk-based capital ratio | 14.1629% | 4,271 |
| Total risk-based capital ratio | 15.4180% | 4,226 |
| Memoranda: | ||
| Average total assets | $187,760,800 | 3,199 |
| Average earning assets | $177,246,800 | 3,130 |
| Average equity | $18,162,200 | 3,445 |
| Average total loans | $128,809,400 | 2,904 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4154% | 3,988 |
| Cost of funding earning assets | 0.8500% | 2,537 |
| Net interest margin | 3.5654% | 4,375 |
| Noninterest income to average assets | 0.6548% | 2,970 |
| Noninterest expense to average assets | 2.8547% | 3,774 |
| Loan and lease loss provision to assets | 0.8007% | 588 |
| Net operating income to assets | 0.2821% | 5,672 |
| Return on assets (ROA) | 0.2875% | 5,859 |
| Pretax return on assets | 0.3801% | 5,764 |
| Return on Equity (ROE) | 2.9521% | 5,697 |
| Retained earnings to average equity (ytd only) | 0.7599% | 5,851 |
| Net charge-offs to loans | 1.1358% | 886 |
| Credit loss provision to net charge-offs | 102.5524% | 2,872 |
| Earnings coverage of net charge-offs (x) | 1.5032% | 4,537 |
| Efficiency ratio | 70.8657% | 3,521 |
| Assets per employee ($millions) | 3.0444% | 5,975 |
| Cash dividends to net income (ytd only)* | 74.2579% | 790 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6097% | 3,480 |
| Loan loss allowance to noncurrent loans | 43.7527% | 5,468 |
| Noncurrent assets plus other real estate owned to assets | 2.4996% | 2,122 |
| Noncurrent loans to loans | 3.6792% | 1,454 |
| Net loans and leases to total assets | 65.3155% | 2,775 |
| Net loans and leases to deposits | 72.9468% | 3,457 |
| Net loans and leases to core deposits | 75.2492% | 3,817 |
| Total domestic deposits to total assets | 89.5385% | 1,106 |
| Equity capital to assets | 9.7611% | 4,831 |
| Core capital (leverage) ratio | 9.6912% | 3,975 |
| Tier 1 risk-based capital ratio | 15.4875% | 3,544 |
| Total risk-based capital ratio | 16.7427% | 3,501 |
| Memoranda: | ||
| Average total assets | $187,336,750 | 3,241 |
| Average earning assets | $177,254,250 | 3,170 |
| Average equity | $18,246,250 | 3,472 |
| Average total loans | $128,780,500 | 2,943 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4729% | 3,887 |
| Cost of funding earning assets | 0.8760% | 2,598 |
| Net interest margin | 3.5969% | 4,276 |
| Noninterest income to average assets | 0.6015% | 3,253 |
| Noninterest expense to average assets | 2.8598% | 3,780 |
| Loan and lease loss provision to assets | 0.9900% | 446 |
| Net operating income to assets | 0.1276% | 6,098 |
| Return on assets (ROA) | 0.1370% | 6,238 |
| Pretax return on assets | 0.1552% | 6,217 |
| Return on Equity (ROE) | 1.4076% | 6,215 |
| Retained earnings to average equity (ytd only) | -1.8915% | 6,345 |
| Net charge-offs to loans | 1.3575% | 765 |
| Credit loss provision to net charge-offs | 104.8753% | 2,590 |
| Earnings coverage of net charge-offs (x) | 1.2018% | 4,408 |
| Efficiency ratio | 71.5970% | 3,498 |
| Assets per employee ($millions) | 3.0329% | 5,999 |
| Cash dividends to net income (ytd only)* | 234.3750% | 60 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5830% | 3,663 |
| Loan loss allowance to noncurrent loans | 41.1336% | 5,597 |
| Noncurrent assets plus other real estate owned to assets | 2.6627% | 2,076 |
| Noncurrent loans to loans | 3.8485% | 1,452 |
| Net loans and leases to total assets | 67.1829% | 2,431 |
| Net loans and leases to deposits | 74.9648% | 3,133 |
| Net loans and leases to core deposits | 77.8014% | 3,548 |
| Total domestic deposits to total assets | 89.6192% | 1,151 |
| Equity capital to assets | 9.6374% | 4,853 |
| Core capital (leverage) ratio | 9.6133% | 3,973 |
| Tier 1 risk-based capital ratio | 14.9120% | 3,826 |
| Total risk-based capital ratio | 16.1670% | 3,768 |
| Memoranda: | ||
| Average total assets | $186,865,670 | 3,253 |
| Average earning assets | $176,262,330 | 3,186 |
| Average equity | $18,187,000 | 3,472 |
| Average total loans | $129,940,670 | 2,929 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4907% | 3,957 |
| Cost of funding earning assets | 0.9027% | 2,663 |
| Net interest margin | 3.5880% | 4,314 |
| Noninterest income to average assets | 0.5089% | 3,853 |
| Noninterest expense to average assets | 2.8473% | 3,833 |
| Loan and lease loss provision to assets | 1.5031% | 224 |
| Net operating income to assets | -0.2830% | 6,695 |
| Return on assets (ROA) | -0.2899% | 6,739 |
| Pretax return on assets | -0.4896% | 6,822 |
| Return on Equity (ROE) | -2.9639% | 6,752 |
| Retained earnings to average equity (ytd only) | -6.2570% | 6,677 |
| Net charge-offs to loans | 2.3958% | 351 |
| Credit loss provision to net charge-offs | 89.3997% | 2,555 |
| Earnings coverage of net charge-offs (x) | 0.6092% | 4,030 |
| Efficiency ratio | 73.5441% | 3,170 |
| Assets per employee ($millions) | 3.1111% | 5,936 |
| Cash dividends to net income (ytd only)* | -111.1111% | 7,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4919% | 4,196 |
| Loan loss allowance to noncurrent loans | 34.8001% | 5,921 |
| Noncurrent assets plus other real estate owned to assets | 2.9213% | 1,978 |
| Noncurrent loans to loans | 4.2869% | 1,394 |
| Net loans and leases to total assets | 66.3164% | 2,415 |
| Net loans and leases to deposits | 73.8771% | 3,130 |
| Net loans and leases to core deposits | 76.6855% | 3,527 |
| Total domestic deposits to total assets | 89.7659% | 1,212 |
| Equity capital to assets | 9.5296% | 4,758 |
| Core capital (leverage) ratio | 9.6865% | 3,785 |
| Tier 1 risk-based capital ratio | 14.8869% | 3,831 |
| Total risk-based capital ratio | 16.1411% | 3,801 |
| Memoranda: | ||
| Average total assets | $186,279,000 | 3,276 |
| Average earning assets | $174,582,500 | 3,228 |
| Average equity | $18,219,500 | 3,461 |
| Average total loans | $130,730,000 | 2,929 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0667% | 2,580 |
| Cost of funding earning assets | 1.0084% | 3,310 |
| Net interest margin | 4.0582% | 2,605 |
| Noninterest income to average assets | 0.1921% | 6,126 |
| Noninterest expense to average assets | 2.9686% | 3,707 |
| Loan and lease loss provision to assets | 0.2448% | 3,763 |
| Net operating income to assets | 0.5439% | 4,258 |
| Return on assets (ROA) | 0.5811% | 4,276 |
| Pretax return on assets | 0.8096% | 3,944 |
| Return on Equity (ROE) | 5.8842% | 3,927 |
| Retained earnings to average equity (ytd only) | 3.5702% | 3,691 |
| Net charge-offs to loans | 0.8859% | 1,964 |
| Credit loss provision to net charge-offs | 37.6569% | 5,667 |
| Earnings coverage of net charge-offs (x) | 1.5423% | 4,616 |
| Efficiency ratio | 74.7500% | 3,097 |
| Assets per employee ($millions) | 3.0980% | 5,902 |
| Cash dividends to net income (ytd only)* | 39.3258% | 2,643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4877% | 4,080 |
| Loan loss allowance to noncurrent loans | 41.1546% | 5,533 |
| Noncurrent assets plus other real estate owned to assets | 3.0840% | 1,942 |
| Noncurrent loans to loans | 3.6148% | 1,764 |
| Net loans and leases to total assets | 72.0599% | 1,638 |
| Net loans and leases to deposits | 80.7934% | 2,389 |
| Net loans and leases to core deposits | 84.3852% | 2,837 |
| Total domestic deposits to total assets | 89.1903% | 1,428 |
| Equity capital to assets | 10.0416% | 4,119 |
| Core capital (leverage) ratio | 9.8331% | 3,539 |
| Tier 1 risk-based capital ratio | 14.5104% | 3,967 |
| Total risk-based capital ratio | 15.7647% | 3,938 |
| Memoranda: | ||
| Average total assets | $183,792,800 | 3,278 |
| Average earning assets | $171,158,200 | 3,218 |
| Average equity | $18,150,200 | 3,405 |
| Average total loans | $134,898,000 | 2,900 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0905% | 2,645 |
| Cost of funding earning assets | 1.0242% | 3,513 |
| Net interest margin | 4.0663% | 2,614 |
| Noninterest income to average assets | 0.0862% | 6,805 |
| Noninterest expense to average assets | 2.9912% | 3,584 |
| Loan and lease loss provision to assets | -0.1630% | 7,378 |
| Net operating income to assets | 0.7149% | 3,534 |
| Return on assets (ROA) | 0.7179% | 3,689 |
| Pretax return on assets | 1.0417% | 3,242 |
| Return on Equity (ROE) | 7.3003% | 3,378 |
| Retained earnings to average equity (ytd only) | 4.2063% | 3,740 |
| Net charge-offs to loans | 0.6312% | 2,356 |
| Credit loss provision to net charge-offs | -35.1563% | 6,451 |
| Earnings coverage of net charge-offs (x) | 1.8859% | 4,250 |
| Efficiency ratio | 77.3801% | 2,627 |
| Assets per employee ($millions) | 3.0337% | 6,045 |
| Cash dividends to net income (ytd only)* | 42.3817% | 1,929 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3781% | 4,646 |
| Loan loss allowance to noncurrent loans | 42.7983% | 5,452 |
| Noncurrent assets plus other real estate owned to assets | 2.8737% | 2,255 |
| Noncurrent loans to loans | 3.2199% | 2,154 |
| Net loans and leases to total assets | 72.2777% | 1,653 |
| Net loans and leases to deposits | 81.1694% | 2,503 |
| Net loans and leases to core deposits | 84.8624% | 2,931 |
| Total domestic deposits to total assets | 89.0455% | 1,409 |
| Equity capital to assets | 9.9283% | 4,438 |
| Core capital (leverage) ratio | 9.8615% | 3,632 |
| Tier 1 risk-based capital ratio | 14.1515% | 4,233 |
| Total risk-based capital ratio | 15.4039% | 4,207 |
| Memoranda: | ||
| Average total assets | $184,046,000 | 3,291 |
| Average earning assets | $171,059,000 | 3,233 |
| Average equity | $18,099,250 | 3,417 |
| Average total loans | $135,197,500 | 2,916 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1015% | 2,677 |
| Cost of funding earning assets | 1.0407% | 3,666 |
| Net interest margin | 4.0608% | 2,568 |
| Noninterest income to average assets | 0.0490% | 7,050 |
| Noninterest expense to average assets | 3.0015% | 3,633 |
| Loan and lease loss provision to assets | -0.2482% | 7,458 |
| Net operating income to assets | 0.7322% | 3,377 |
| Return on assets (ROA) | 0.7359% | 3,478 |
| Pretax return on assets | 1.0691% | 2,969 |
| Return on Equity (ROE) | 7.5078% | 3,184 |
| Retained earnings to average equity (ytd only) | 4.5091% | 3,323 |
| Net charge-offs to loans | 0.9152% | 1,701 |
| Credit loss provision to net charge-offs | -36.8932% | 6,228 |
| Earnings coverage of net charge-offs (x) | 1.2120% | 4,379 |
| Efficiency ratio | 78.6366% | 2,605 |
| Assets per employee ($millions) | 3.0697% | 5,934 |
| Cash dividends to net income (ytd only)* | 39.9408% | 2,074 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4179% | 4,486 |
| Loan loss allowance to noncurrent loans | 42.3413% | 5,500 |
| Noncurrent assets plus other real estate owned to assets | 4.1024% | 1,558 |
| Noncurrent loans to loans | 3.3487% | 2,132 |
| Net loans and leases to total assets | 72.4777% | 1,690 |
| Net loans and leases to deposits | 81.3117% | 2,553 |
| Net loans and leases to core deposits | 84.2012% | 3,181 |
| Total domestic deposits to total assets | 89.1356% | 1,452 |
| Equity capital to assets | 10.0505% | 4,076 |
| Core capital (leverage) ratio | 9.7961% | 3,528 |
| Tier 1 risk-based capital ratio | 14.1505% | 4,061 |
| Total risk-based capital ratio | 15.4033% | 4,029 |
| Memoranda: | ||
| Average total assets | $183,709,000 | 3,319 |
| Average earning assets | $170,460,330 | 3,268 |
| Average equity | $18,008,000 | 3,412 |
| Average total loans | $135,055,330 | 2,943 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0675% | 2,787 |
| Cost of funding earning assets | 1.0391% | 3,924 |
| Net interest margin | 4.0285% | 2,575 |
| Noninterest income to average assets | -0.0497% | 7,355 |
| Noninterest expense to average assets | 3.0529% | 3,448 |
| Loan and lease loss provision to assets | -0.4930% | 7,536 |
| Net operating income to assets | 0.7739% | 3,148 |
| Return on assets (ROA) | 0.7827% | 3,182 |
| Pretax return on assets | 1.1502% | 2,561 |
| Return on Equity (ROE) | 8.0846% | 2,871 |
| Retained earnings to average equity (ytd only) | 5.4047% | 2,954 |
| Net charge-offs to loans | 1.6529% | 810 |
| Credit loss provision to net charge-offs | -40.5694% | 5,642 |
| Earnings coverage of net charge-offs (x) | 0.5302% | 4,222 |
| Efficiency ratio | 82.5731% | 2,143 |
| Assets per employee ($millions) | 3.1461% | 5,839 |
| Cash dividends to net income (ytd only)* | 33.1492% | 1,914 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4586% | 4,401 |
| Loan loss allowance to noncurrent loans | 42.3345% | 5,477 |
| Noncurrent assets plus other real estate owned to assets | 4.3449% | 1,504 |
| Noncurrent loans to loans | 3.4453% | 2,175 |
| Net loans and leases to total assets | 70.7565% | 1,971 |
| Net loans and leases to deposits | 78.9382% | 2,905 |
| Net loans and leases to core deposits | 81.3235% | 3,557 |
| Total domestic deposits to total assets | 89.6353% | 1,402 |
| Equity capital to assets | 9.7069% | 4,165 |
| Core capital (leverage) ratio | 9.6105% | 3,651 |
| Tier 1 risk-based capital ratio | 13.8701% | 4,157 |
| Total risk-based capital ratio | 15.1234% | 4,131 |
| Memoranda: | ||
| Average total assets | $185,006,000 | 3,319 |
| Average earning assets | $172,075,500 | 3,269 |
| Average equity | $17,910,500 | 3,409 |
| Average total loans | $136,005,000 | 2,969 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3415% | 2,927 |
| Cost of funding earning assets | 1.2985% | 3,889 |
| Net interest margin | 4.0430% | 2,831 |
| Noninterest income to average assets | 0.8386% | 2,104 |
| Noninterest expense to average assets | 3.2372% | 2,956 |
| Loan and lease loss provision to assets | 0.2795% | 4,574 |
| Net operating income to assets | 0.7858% | 2,865 |
| Return on assets (ROA) | 0.7949% | 2,962 |
| Pretax return on assets | 1.1402% | 2,434 |
| Return on Equity (ROE) | 8.5151% | 2,490 |
| Retained earnings to average equity (ytd only) | 5.7403% | 1,968 |
| Net charge-offs to loans | 0.2182% | 4,986 |
| Credit loss provision to net charge-offs | 167.6375% | 2,030 |
| Earnings coverage of net charge-offs (x) | 8.4369% | 1,968 |
| Efficiency ratio | 69.7072% | 4,240 |
| Assets per employee ($millions) | 3.1253% | 5,832 |
| Cash dividends to net income (ytd only)* | 32.5866% | 2,926 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9708% | 2,378 |
| Loan loss allowance to noncurrent loans | 36.7473% | 5,858 |
| Noncurrent assets plus other real estate owned to assets | 6.0599% | 975 |
| Noncurrent loans to loans | 5.3631% | 1,227 |
| Net loans and leases to total assets | 73.7525% | 1,707 |
| Net loans and leases to deposits | 82.3721% | 2,733 |
| Net loans and leases to core deposits | 86.4617% | 3,258 |
| Total domestic deposits to total assets | 89.5358% | 1,364 |
| Equity capital to assets | 9.6550% | 4,208 |
| Core capital (leverage) ratio | 9.2134% | 4,149 |
| Tier 1 risk-based capital ratio | 13.3932% | 4,294 |
| Total risk-based capital ratio | 14.6535% | 4,245 |
| Memoranda: | ||
| Average total assets | $185,315,000 | 3,292 |
| Average earning assets | $174,425,400 | 3,197 |
| Average equity | $17,298,600 | 3,538 |
| Average total loans | $141,635,400 | 2,913 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3784% | 2,982 |
| Cost of funding earning assets | 1.3538% | 3,872 |
| Net interest margin | 4.0246% | 2,986 |
| Noninterest income to average assets | 0.9061% | 1,777 |
| Noninterest expense to average assets | 3.2070% | 2,905 |
| Loan and lease loss provision to assets | 0.3399% | 3,884 |
| Net operating income to assets | 0.7823% | 3,078 |
| Return on assets (ROA) | 0.7940% | 3,189 |
| Pretax return on assets | 1.1641% | 2,625 |
| Return on Equity (ROE) | 8.5794% | 2,658 |
| Retained earnings to average equity (ytd only) | 5.7843% | 2,484 |
| Net charge-offs to loans | -0.0899% | 7,535 |
| Credit loss provision to net charge-offs | -492.7083% | 7,018 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3252% | 4,401 |
| Assets per employee ($millions) | 3.2139% | 5,647 |
| Cash dividends to net income (ytd only)* | 32.5792% | 2,423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2168% | 1,773 |
| Loan loss allowance to noncurrent loans | 37.9492% | 5,798 |
| Noncurrent assets plus other real estate owned to assets | 6.2483% | 928 |
| Noncurrent loans to loans | 5.8416% | 1,100 |
| Net loans and leases to total assets | 71.9729% | 2,255 |
| Net loans and leases to deposits | 80.0182% | 3,448 |
| Net loans and leases to core deposits | 83.8468% | 3,968 |
| Total domestic deposits to total assets | 89.9457% | 909 |
| Equity capital to assets | 9.3028% | 5,134 |
| Core capital (leverage) ratio | 9.1703% | 4,426 |
| Tier 1 risk-based capital ratio | 13.1223% | 4,483 |
| Total risk-based capital ratio | 14.3854% | 4,451 |
| Memoranda: | ||
| Average total assets | $185,546,000 | 3,335 |
| Average earning assets | $174,621,250 | 3,240 |
| Average equity | $17,172,500 | 3,609 |
| Average total loans | $142,362,500 | 2,933 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4945% | 2,538 |
| Cost of funding earning assets | 1.4062% | 3,837 |
| Net interest margin | 4.0882% | 2,617 |
| Noninterest income to average assets | 0.8958% | 1,703 |
| Noninterest expense to average assets | 3.2630% | 2,682 |
| Loan and lease loss provision to assets | 0.3800% | 3,432 |
| Net operating income to assets | 0.7467% | 3,208 |
| Return on assets (ROA) | 0.7644% | 3,280 |
| Pretax return on assets | 1.1239% | 2,697 |
| Return on Equity (ROE) | 8.2742% | 2,776 |
| Retained earnings to average equity (ytd only) | 5.4535% | 2,645 |
| Net charge-offs to loans | -0.1382% | 7,598 |
| Credit loss provision to net charge-offs | -353.5354% | 6,782 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8273% | 4,421 |
| Assets per employee ($millions) | 3.0851% | 5,959 |
| Cash dividends to net income (ytd only)* | 34.0909% | 2,352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1206% | 1,926 |
| Loan loss allowance to noncurrent loans | 48.8823% | 5,032 |
| Noncurrent assets plus other real estate owned to assets | 5.2829% | 1,192 |
| Noncurrent loans to loans | 4.3381% | 1,710 |
| Net loans and leases to total assets | 74.1578% | 1,875 |
| Net loans and leases to deposits | 82.4927% | 3,184 |
| Net loans and leases to core deposits | 86.0262% | 3,830 |
| Total domestic deposits to total assets | 89.8962% | 974 |
| Equity capital to assets | 9.3389% | 4,947 |
| Core capital (leverage) ratio | 9.1134% | 4,442 |
| Tier 1 risk-based capital ratio | 12.8581% | 4,558 |
| Total risk-based capital ratio | 14.1198% | 4,506 |
| Memoranda: | ||
| Average total assets | $184,188,000 | 3,382 |
| Average earning assets | $173,229,330 | 3,288 |
| Average equity | $17,016,670 | 3,628 |
| Average total loans | $143,293,670 | 2,952 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5406% | 2,402 |
| Cost of funding earning assets | 1.4557% | 3,830 |
| Net interest margin | 4.0849% | 2,508 |
| Noninterest income to average assets | 0.8273% | 1,897 |
| Noninterest expense to average assets | 3.2330% | 2,749 |
| Loan and lease loss provision to assets | 0.4899% | 2,540 |
| Net operating income to assets | 0.6444% | 3,695 |
| Return on assets (ROA) | 0.6444% | 3,811 |
| Pretax return on assets | 0.9471% | 3,277 |
| Return on Equity (ROE) | 7.0136% | 3,331 |
| Retained earnings to average equity (ytd only) | 4.1702% | 3,647 |
| Net charge-offs to loans | 0.0580% | 4,832 |
| Credit loss provision to net charge-offs | 1,071.4286% | 438 |
| Earnings coverage of net charge-offs (x) | 31.4286% | 844 |
| Efficiency ratio | 69.2308% | 4,465 |
| Assets per employee ($millions) | 2.9901% | 6,236 |
| Cash dividends to net income (ytd only)* | 40.5405% | 1,740 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8933% | 2,474 |
| Loan loss allowance to noncurrent loans | 41.6832% | 5,573 |
| Noncurrent assets plus other real estate owned to assets | 5.3752% | 1,162 |
| Noncurrent loans to loans | 4.5421% | 1,640 |
| Net loans and leases to total assets | 76.2794% | 1,485 |
| Net loans and leases to deposits | 85.2234% | 2,722 |
| Net loans and leases to core deposits | 88.7219% | 3,532 |
| Total domestic deposits to total assets | 89.5052% | 1,244 |
| Equity capital to assets | 9.1441% | 5,075 |
| Core capital (leverage) ratio | 9.0945% | 4,385 |
| Tier 1 risk-based capital ratio | 12.2759% | 4,918 |
| Total risk-based capital ratio | 13.5348% | 4,878 |
| Memoranda: | ||
| Average total assets | $183,728,000 | 3,448 |
| Average earning assets | $172,833,000 | 3,359 |
| Average equity | $16,881,500 | 3,678 |
| Average total loans | $144,817,500 | 2,986 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8896% | 2,283 |
| Cost of funding earning assets | 1.9376% | 3,261 |
| Net interest margin | 3.9519% | 3,070 |
| Noninterest income to average assets | 0.7056% | 2,931 |
| Noninterest expense to average assets | 3.1790% | 3,449 |
| Loan and lease loss provision to assets | 0.7562% | 2,843 |
| Net operating income to assets | 0.3426% | 4,366 |
| Return on assets (ROA) | 0.4161% | 4,169 |
| Pretax return on assets | 0.5758% | 3,970 |
| Return on Equity (ROE) | 4.7554% | 3,773 |
| Retained earnings to average equity (ytd only) | 4.7554% | 1,941 |
| Net charge-offs to loans | 0.2134% | 5,289 |
| Credit loss provision to net charge-offs | 441.3043% | 705 |
| Earnings coverage of net charge-offs (x) | 7.1770% | 2,205 |
| Efficiency ratio | 72.1062% | 4,244 |
| Assets per employee ($millions) | 3.0345% | 6,137 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7355% | 2,766 |
| Loan loss allowance to noncurrent loans | 60.6534% | 4,365 |
| Noncurrent assets plus other real estate owned to assets | 4.1638% | 1,568 |
| Noncurrent loans to loans | 2.8613% | 2,693 |
| Net loans and leases to total assets | 78.5246% | 1,277 |
| Net loans and leases to deposits | 87.4059% | 2,659 |
| Net loans and leases to core deposits | 100.6413% | 3,938 |
| Total domestic deposits to total assets | 89.8390% | 1,039 |
| Equity capital to assets | 9.2333% | 4,798 |
| Core capital (leverage) ratio | 8.7661% | 4,814 |
| Tier 1 risk-based capital ratio | 11.8993% | 5,025 |
| Total risk-based capital ratio | 13.1567% | 4,981 |
| Memoranda: | ||
| Average total assets | $187,921,200 | 3,313 |
| Average earning assets | $176,090,600 | 3,268 |
| Average equity | $16,444,400 | 3,792 |
| Average total loans | $150,856,200 | 2,902 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8670% | 2,597 |
| Cost of funding earning assets | 2.0093% | 3,309 |
| Net interest margin | 3.8577% | 3,397 |
| Noninterest income to average assets | 0.6942% | 3,055 |
| Noninterest expense to average assets | 3.0920% | 3,674 |
| Loan and lease loss provision to assets | 0.7801% | 2,426 |
| Net operating income to assets | 0.3014% | 4,786 |
| Return on assets (ROA) | 0.3393% | 4,739 |
| Pretax return on assets | 0.4886% | 4,550 |
| Return on Equity (ROE) | 3.9299% | 4,399 |
| Retained earnings to average equity (ytd only) | 3.9299% | 3,084 |
| Net charge-offs to loans | 0.2462% | 4,508 |
| Credit loss provision to net charge-offs | 394.3060% | 1,014 |
| Earnings coverage of net charge-offs (x) | 6.1352% | 2,665 |
| Efficiency ratio | 71.8116% | 4,279 |
| Assets per employee ($millions) | 3.0674% | 5,993 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4968% | 3,464 |
| Loan loss allowance to noncurrent loans | 53.9511% | 4,732 |
| Noncurrent assets plus other real estate owned to assets | 4.0704% | 1,559 |
| Noncurrent loans to loans | 2.7744% | 2,738 |
| Net loans and leases to total assets | 77.9608% | 1,582 |
| Net loans and leases to deposits | 86.6702% | 3,191 |
| Net loans and leases to core deposits | 101.6502% | 4,193 |
| Total domestic deposits to total assets | 89.9510% | 784 |
| Equity capital to assets | 8.7202% | 5,925 |
| Core capital (leverage) ratio | 8.4718% | 5,538 |
| Tier 1 risk-based capital ratio | 11.3217% | 5,620 |
| Total risk-based capital ratio | 12.5728% | 5,561 |
| Memoranda: | ||
| Average total assets | $189,384,250 | 3,319 |
| Average earning assets | $177,304,000 | 3,271 |
| Average equity | $16,352,750 | 3,841 |
| Average total loans | $152,196,750 | 2,911 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8713% | 2,710 |
| Cost of funding earning assets | 2.0806% | 3,359 |
| Net interest margin | 3.7908% | 3,591 |
| Noninterest income to average assets | 0.5214% | 4,263 |
| Noninterest expense to average assets | 3.0468% | 3,887 |
| Loan and lease loss provision to assets | 0.9042% | 1,868 |
| Net operating income to assets | 0.0709% | 5,644 |
| Return on assets (ROA) | 0.1237% | 5,599 |
| Pretax return on assets | 0.1925% | 5,486 |
| Return on Equity (ROE) | 1.4377% | 5,479 |
| Retained earnings to average equity (ytd only) | 1.4377% | 4,528 |
| Net charge-offs to loans | 0.2566% | 3,906 |
| Credit loss provision to net charge-offs | 436.2245% | 1,068 |
| Earnings coverage of net charge-offs (x) | 4.8929% | 2,970 |
| Efficiency ratio | 75.0260% | 3,869 |
| Assets per employee ($millions) | 2.8684% | 6,470 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3673% | 3,901 |
| Loan loss allowance to noncurrent loans | 57.2173% | 4,600 |
| Noncurrent assets plus other real estate owned to assets | 3.8919% | 1,547 |
| Noncurrent loans to loans | 2.3896% | 3,022 |
| Net loans and leases to total assets | 79.4466% | 1,415 |
| Net loans and leases to deposits | 88.1444% | 3,145 |
| Net loans and leases to core deposits | 105.1254% | 3,943 |
| Total domestic deposits to total assets | 90.1324% | 774 |
| Equity capital to assets | 8.5291% | 6,006 |
| Core capital (leverage) ratio | 8.2267% | 5,933 |
| Tier 1 risk-based capital ratio | 10.8679% | 6,011 |
| Total risk-based capital ratio | 12.1182% | 5,951 |
| Memoranda: | ||
| Average total assets | $189,119,330 | 3,347 |
| Average earning assets | $176,587,330 | 3,308 |
| Average equity | $16,275,670 | 3,864 |
| Average total loans | $152,756,330 | 2,931 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7857% | 3,377 |
| Cost of funding earning assets | 2.1542% | 3,398 |
| Net interest margin | 3.6314% | 4,183 |
| Noninterest income to average assets | 0.8401% | 2,123 |
| Noninterest expense to average assets | 2.8060% | 4,538 |
| Loan and lease loss provision to assets | 1.4919% | 846 |
| Net operating income to assets | -0.0868% | 6,392 |
| Return on assets (ROA) | 0.0783% | 6,214 |
| Pretax return on assets | 0.0783% | 6,213 |
| Return on Equity (ROE) | 0.9058% | 6,150 |
| Retained earnings to average equity (ytd only) | 0.9058% | 5,290 |
| Net charge-offs to loans | 0.1884% | 3,505 |
| Credit loss provision to net charge-offs | 979.1667% | 641 |
| Earnings coverage of net charge-offs (x) | 9.2222% | 2,084 |
| Efficiency ratio | 66.6332% | 5,209 |
| Assets per employee ($millions) | 2.9382% | 6,325 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3437% | 3,834 |
| Loan loss allowance to noncurrent loans | 45.1436% | 5,515 |
| Noncurrent assets plus other real estate owned to assets | 3.9327% | 1,319 |
| Noncurrent loans to loans | 2.9765% | 2,195 |
| Net loans and leases to total assets | 79.1540% | 1,548 |
| Net loans and leases to deposits | 87.5381% | 3,373 |
| Net loans and leases to core deposits | 105.5670% | 3,964 |
| Total domestic deposits to total assets | 90.4223% | 625 |
| Equity capital to assets | 8.5127% | 6,058 |
| Core capital (leverage) ratio | 8.1898% | 6,128 |
| Tier 1 risk-based capital ratio | 10.8648% | 6,026 |
| Total risk-based capital ratio | 12.1169% | 5,932 |
| Memoranda: | ||
| Average total assets | $189,020,500 | 3,371 |
| Average earning assets | $175,467,500 | 3,347 |
| Average equity | $16,340,000 | 3,878 |
| Average total loans | $152,889,000 | 2,957 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5376% | 2,771 |
| Cost of funding earning assets | 2.5035% | 4,188 |
| Net interest margin | 4.0341% | 2,961 |
| Noninterest income to average assets | 1.1030% | 1,291 |
| Noninterest expense to average assets | 3.2396% | 3,186 |
| Loan and lease loss provision to assets | 0.7737% | 1,932 |
| Net operating income to assets | 0.5750% | 4,417 |
| Return on assets (ROA) | 0.5750% | 4,284 |
| Pretax return on assets | 0.8371% | 3,938 |
| Return on Equity (ROE) | 6.4717% | 3,768 |
| Retained earnings to average equity (ytd only) | -1.3644% | 5,696 |
| Net charge-offs to loans | 1.3309% | 888 |
| Credit loss provision to net charge-offs | 71.9289% | 6,045 |
| Earnings coverage of net charge-offs (x) | 1.4975% | 5,353 |
| Efficiency ratio | 66.7905% | 4,951 |
| Assets per employee ($millions) | 3.1704% | 5,562 |
| Cash dividends to net income (ytd only)* | 121.0826% | 668 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9348% | 6,479 |
| Loan loss allowance to noncurrent loans | 62.1622% | 4,891 |
| Noncurrent assets plus other real estate owned to assets | 2.8371% | 1,651 |
| Noncurrent loans to loans | 1.5038% | 3,538 |
| Net loans and leases to total assets | 80.7891% | 1,492 |
| Net loans and leases to deposits | 90.0381% | 3,449 |
| Net loans and leases to core deposits | 108.5133% | 3,908 |
| Total domestic deposits to total assets | 89.7276% | 759 |
| Equity capital to assets | 8.7792% | 5,690 |
| Core capital (leverage) ratio | 8.6266% | 5,328 |
| Tier 1 risk-based capital ratio | 10.8217% | 5,884 |
| Total risk-based capital ratio | 11.7964% | 6,060 |
| Memoranda: | ||
| Average total assets | $183,138,400 | 3,369 |
| Average earning assets | $170,124,400 | 3,332 |
| Average equity | $16,270,800 | 3,870 |
| Average total loans | $148,021,200 | 2,962 |