Home > Farmers State Bank of Elkton > Performance and Condition Ratios
Farmers State Bank of Elkton, 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 | 3.8150% | 4,763 |
| Cost of funding earning assets | 0.4917% | 3,689 |
| Net interest margin | 3.3232% | 4,581 |
| Noninterest income to average assets | 0.1416% | 6,233 |
| Noninterest expense to average assets | 1.7724% | 6,367 |
| Loan and lease loss provision to assets | 0.2143% | 1,708 |
| Net operating income to assets | 1.1778% | 1,653 |
| Return on assets (ROA) | 1.1257% | 1,914 |
| Pretax return on assets | 1.1257% | 2,862 |
| Return on Equity (ROE) | 11.9927% | 1,420 |
| Retained earnings to average equity (ytd only) | 2.3032% | 4,612 |
| Net charge-offs to loans | 0.5756% | 1,146 |
| Credit loss provision to net charge-offs | 81.5603% | 3,002 |
| Earnings coverage of net charge-offs (x) | 5.2979% | 3,336 |
| Efficiency ratio | 56.0071% | 5,946 |
| Assets per employee ($millions) | 5.9034% | 1,334 |
| Cash dividends to net income (ytd only)* | 80.7947% | 895 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5178% | 3,107 |
| Loan loss allowance to noncurrent loans | 130.6620% | 2,977 |
| Noncurrent assets plus other real estate owned to assets | 0.6249% | 4,362 |
| Noncurrent loans to loans | 1.1616% | 3,219 |
| Net loans and leases to total assets | 45.7962% | 5,508 |
| Net loans and leases to deposits | 50.5117% | 5,730 |
| Net loans and leases to core deposits | 53.6609% | 5,694 |
| Total domestic deposits to total assets | 90.6646% | 721 |
| Equity capital to assets | 9.2168% | 4,786 |
| Core capital (leverage) ratio | 8.9268% | 5,111 |
| Tier 1 risk-based capital ratio | 14.0837% | 4,241 |
| Total risk-based capital ratio | 15.1505% | 4,306 |
| Memoranda: | ||
| Average total assets | $53,657,400 | 5,925 |
| Average earning assets | $48,807,800 | 5,923 |
| Average equity | $5,036,400 | 6,055 |
| Average total loans | $24,495,600 | 6,009 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7594% | 5,000 |
| Cost of funding earning assets | 0.5063% | 3,715 |
| Net interest margin | 3.2530% | 4,814 |
| Noninterest income to average assets | 0.1537% | 6,267 |
| Noninterest expense to average assets | 1.7203% | 6,445 |
| Loan and lease loss provision to assets | 0.1115% | 2,902 |
| Net operating income to assets | 1.2840% | 1,389 |
| Return on assets (ROA) | 1.2146% | 1,656 |
| Pretax return on assets | 1.2146% | 2,640 |
| Return on Equity (ROE) | 12.8828% | 1,264 |
| Retained earnings to average equity (ytd only) | 1.4986% | 5,383 |
| Net charge-offs to loans | 0.0327% | 4,481 |
| Credit loss provision to net charge-offs | 750.0000% | 382 |
| Earnings coverage of net charge-offs (x) | 93.8313% | 519 |
| Efficiency ratio | 55.2108% | 6,003 |
| Assets per employee ($millions) | 6.2146% | 1,106 |
| Cash dividends to net income (ytd only)* | 88.3671% | 597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7889% | 2,340 |
| Loan loss allowance to noncurrent loans | 101.6166% | 3,446 |
| Noncurrent assets plus other real estate owned to assets | 0.8546% | 3,980 |
| Noncurrent loans to loans | 1.7604% | 2,556 |
| Net loans and leases to total assets | 43.1889% | 5,801 |
| Net loans and leases to deposits | 47.5044% | 5,994 |
| Net loans and leases to core deposits | 50.2967% | 5,994 |
| Total domestic deposits to total assets | 90.9156% | 571 |
| Equity capital to assets | 8.8520% | 5,360 |
| Core capital (leverage) ratio | 8.7785% | 5,442 |
| Tier 1 risk-based capital ratio | 13.7857% | 4,578 |
| Total risk-based capital ratio | 15.0256% | 4,537 |
| Memoranda: | ||
| Average total assets | $53,789,000 | 5,987 |
| Average earning assets | $48,978,500 | 5,991 |
| Average equity | $5,071,250 | 6,119 |
| Average total loans | $24,442,750 | 6,067 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7709% | 4,924 |
| Cost of funding earning assets | 0.5238% | 3,667 |
| Net interest margin | 3.2470% | 4,785 |
| Noninterest income to average assets | 0.1959% | 6,034 |
| Noninterest expense to average assets | 1.6995% | 6,497 |
| Loan and lease loss provision to assets | 0.1319% | 2,669 |
| Net operating income to assets | 1.3076% | 1,307 |
| Return on assets (ROA) | 1.1870% | 1,734 |
| Pretax return on assets | 1.1870% | 2,733 |
| Return on Equity (ROE) | 12.3256% | 1,395 |
| Retained earnings to average equity (ytd only) | -1.9173% | 6,185 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.1417% | 6,139 |
| Assets per employee ($millions) | 6.1138% | 1,124 |
| Cash dividends to net income (ytd only)* | 115.5556% | 377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8019% | 2,428 |
| Loan loss allowance to noncurrent loans | 135.8255% | 2,726 |
| Noncurrent assets plus other real estate owned to assets | 0.6652% | 4,560 |
| Noncurrent loans to loans | 1.3266% | 3,341 |
| Net loans and leases to total assets | 43.1830% | 5,811 |
| Net loans and leases to deposits | 48.1255% | 5,976 |
| Net loans and leases to core deposits | 51.0375% | 5,958 |
| Total domestic deposits to total assets | 89.7299% | 1,188 |
| Equity capital to assets | 8.6998% | 5,549 |
| Core capital (leverage) ratio | 8.9259% | 5,109 |
| Tier 1 risk-based capital ratio | 13.7707% | 4,586 |
| Total risk-based capital ratio | 15.0252% | 4,555 |
| Memoranda: | ||
| Average total assets | $53,075,000 | 6,049 |
| Average earning assets | $48,105,670 | 6,040 |
| Average equity | $5,111,330 | 6,152 |
| Average total loans | $24,391,670 | 6,098 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9112% | 4,429 |
| Cost of funding earning assets | 0.5430% | 3,644 |
| Net interest margin | 3.3682% | 4,241 |
| Noninterest income to average assets | 0.1305% | 6,442 |
| Noninterest expense to average assets | 1.5278% | 6,719 |
| Loan and lease loss provision to assets | 0.1919% | 1,924 |
| Net operating income to assets | 1.4587% | 939 |
| Return on assets (ROA) | 1.4587% | 1,016 |
| Pretax return on assets | 1.4587% | 1,688 |
| Return on Equity (ROE) | 14.4117% | 878 |
| Retained earnings to average equity (ytd only) | -4.5511% | 6,330 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.0676% | 6,610 |
| Assets per employee ($millions) | 5.9289% | 1,312 |
| Cash dividends to net income (ytd only)* | 131.5789% | 437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7831% | 2,681 |
| Loan loss allowance to noncurrent loans | 136.5385% | 2,580 |
| Noncurrent assets plus other real estate owned to assets | 0.8471% | 4,262 |
| Noncurrent loans to loans | 1.3059% | 3,604 |
| Net loans and leases to total assets | 43.9749% | 5,668 |
| Net loans and leases to deposits | 48.9048% | 5,858 |
| Net loans and leases to core deposits | 51.9493% | 5,828 |
| Total domestic deposits to total assets | 89.9194% | 1,099 |
| Equity capital to assets | 9.6439% | 4,648 |
| Core capital (leverage) ratio | 8.9440% | 4,980 |
| Tier 1 risk-based capital ratio | 14.1742% | 4,382 |
| Total risk-based capital ratio | 15.4296% | 4,341 |
| Memoranda: | ||
| Average total assets | $52,100,500 | 6,123 |
| Average earning assets | $47,147,000 | 6,122 |
| Average equity | $5,273,500 | 6,166 |
| Average total loans | $24,489,000 | 6,145 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4071% | 3,785 |
| Cost of funding earning assets | 0.6263% | 4,131 |
| Net interest margin | 3.7808% | 3,315 |
| Noninterest income to average assets | 0.0820% | 6,575 |
| Noninterest expense to average assets | 1.7970% | 6,626 |
| Loan and lease loss provision to assets | 0.3893% | 1,673 |
| Net operating income to assets | 1.2827% | 1,359 |
| Return on assets (ROA) | 0.9692% | 2,700 |
| Pretax return on assets | 0.9712% | 3,651 |
| Return on Equity (ROE) | 8.8810% | 2,693 |
| Retained earnings to average equity (ytd only) | 5.5576% | 2,345 |
| Net charge-offs to loans | 0.6248% | 1,877 |
| Credit loss provision to net charge-offs | 122.5806% | 2,327 |
| Earnings coverage of net charge-offs (x) | 5.2710% | 3,088 |
| Efficiency ratio | 51.7710% | 6,475 |
| Assets per employee ($millions) | 5.6490% | 1,564 |
| Cash dividends to net income (ytd only)* | 37.4207% | 3,006 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5984% | 3,318 |
| Loan loss allowance to noncurrent loans | 221.5470% | 1,689 |
| Noncurrent assets plus other real estate owned to assets | 0.6314% | 4,889 |
| Noncurrent loans to loans | 0.7215% | 4,737 |
| Net loans and leases to total assets | 48.5553% | 5,353 |
| Net loans and leases to deposits | 54.4080% | 5,614 |
| Net loans and leases to core deposits | 57.9946% | 5,541 |
| Total domestic deposits to total assets | 89.2429% | 1,413 |
| Equity capital to assets | 10.6233% | 3,373 |
| Core capital (leverage) ratio | 9.5308% | 4,064 |
| Tier 1 risk-based capital ratio | 14.1777% | 4,259 |
| Total risk-based capital ratio | 15.3533% | 4,264 |
| Memoranda: | ||
| Average total assets | $48,803,400 | 6,244 |
| Average earning assets | $43,747,600 | 6,244 |
| Average equity | $5,326,000 | 6,200 |
| Average total loans | $24,809,200 | 6,204 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5070% | 3,607 |
| Cost of funding earning assets | 0.6395% | 4,287 |
| Net interest margin | 3.8675% | 3,041 |
| Noninterest income to average assets | 0.1712% | 6,282 |
| Noninterest expense to average assets | 1.8166% | 6,660 |
| Loan and lease loss provision to assets | 0.5246% | 1,147 |
| Net operating income to assets | 1.3031% | 1,440 |
| Return on assets (ROA) | 0.8807% | 3,320 |
| Pretax return on assets | 0.8807% | 4,190 |
| Return on Equity (ROE) | 8.0139% | 3,280 |
| Retained earnings to average equity (ytd only) | 4.4215% | 3,783 |
| Net charge-offs to loans | 0.6359% | 1,732 |
| Credit loss provision to net charge-offs | 161.0169% | 1,728 |
| Earnings coverage of net charge-offs (x) | 5.6101% | 2,976 |
| Efficiency ratio | 49.8485% | 6,599 |
| Assets per employee ($millions) | 5.5697% | 1,565 |
| Cash dividends to net income (ytd only)* | 44.8274% | 1,942 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6746% | 3,233 |
| Loan loss allowance to noncurrent loans | 117.4263% | 2,834 |
| Noncurrent assets plus other real estate owned to assets | 1.2249% | 3,845 |
| Noncurrent loans to loans | 1.4261% | 3,661 |
| Net loans and leases to total assets | 51.3037% | 5,143 |
| Net loans and leases to deposits | 57.5427% | 5,477 |
| Net loans and leases to core deposits | 60.2187% | 5,534 |
| Total domestic deposits to total assets | 89.1575% | 1,337 |
| Equity capital to assets | 10.6849% | 3,623 |
| Core capital (leverage) ratio | 9.6270% | 4,086 |
| Tier 1 risk-based capital ratio | 13.4202% | 4,934 |
| Total risk-based capital ratio | 14.6666% | 4,892 |
| Memoranda: | ||
| Average total assets | $48,294,000 | 6,333 |
| Average earning assets | $43,369,000 | 6,328 |
| Average equity | $5,307,250 | 6,273 |
| Average total loans | $24,739,750 | 6,293 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5307% | 3,641 |
| Cost of funding earning assets | 0.6679% | 4,295 |
| Net interest margin | 3.8627% | 3,075 |
| Noninterest income to average assets | 0.1468% | 6,462 |
| Noninterest expense to average assets | 1.8162% | 6,734 |
| Loan and lease loss provision to assets | 0.7969% | 628 |
| Net operating income to assets | 1.0025% | 2,457 |
| Return on assets (ROA) | 0.9647% | 2,850 |
| Pretax return on assets | 0.9647% | 3,839 |
| Return on Equity (ROE) | 8.6940% | 2,940 |
| Retained earnings to average equity (ytd only) | 7.7868% | 1,725 |
| Net charge-offs to loans | 0.9725% | 1,141 |
| Credit loss provision to net charge-offs | 161.0169% | 1,732 |
| Earnings coverage of net charge-offs (x) | 3.6356% | 3,317 |
| Efficiency ratio | 50.2320% | 6,630 |
| Assets per employee ($millions) | 5.2942% | 1,822 |
| Cash dividends to net income (ytd only)* | 10.4348% | 3,284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7301% | 3,109 |
| Loan loss allowance to noncurrent loans | 461.0526% | 785 |
| Noncurrent assets plus other real estate owned to assets | 0.7765% | 4,855 |
| Noncurrent loans to loans | 0.3753% | 5,789 |
| Net loans and leases to total assets | 52.2121% | 5,074 |
| Net loans and leases to deposits | 59.0786% | 5,328 |
| Net loans and leases to core deposits | 63.3479% | 5,273 |
| Total domestic deposits to total assets | 88.3773% | 1,906 |
| Equity capital to assets | 11.4926% | 2,605 |
| Core capital (leverage) ratio | 10.1003% | 3,275 |
| Tier 1 risk-based capital ratio | 13.9962% | 4,451 |
| Total risk-based capital ratio | 15.2469% | 4,410 |
| Memoranda: | ||
| Average total assets | $47,683,000 | 6,391 |
| Average earning assets | $42,819,330 | 6,387 |
| Average equity | $5,291,000 | 6,308 |
| Average total loans | $24,268,000 | 6,353 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4899% | 3,962 |
| Cost of funding earning assets | 0.6908% | 4,359 |
| Net interest margin | 3.7992% | 3,398 |
| Noninterest income to average assets | 0.1342% | 6,581 |
| Noninterest expense to average assets | 1.7526% | 6,853 |
| Loan and lease loss provision to assets | 1.3836% | 266 |
| Net operating income to assets | 0.4109% | 5,206 |
| Return on assets (ROA) | 0.4109% | 5,394 |
| Pretax return on assets | 0.4109% | 5,688 |
| Return on Equity (ROE) | 3.7703% | 5,398 |
| Retained earnings to average equity (ytd only) | 3.5395% | 4,460 |
| Net charge-offs to loans | 0.1685% | 3,078 |
| Credit loss provision to net charge-offs | 1,650.0000% | 203 |
| Earnings coverage of net charge-offs (x) | 21.4000% | 1,153 |
| Efficiency ratio | 49.4090% | 6,714 |
| Assets per employee ($millions) | 5.1697% | 2,032 |
| Cash dividends to net income (ytd only)* | 6.1224% | 2,631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2565% | 1,766 |
| Loan loss allowance to noncurrent loans | 542.7083% | 640 |
| Noncurrent assets plus other real estate owned to assets | 0.8038% | 4,936 |
| Noncurrent loans to loans | 0.4158% | 5,839 |
| Net loans and leases to total assets | 48.5052% | 5,486 |
| Net loans and leases to deposits | 54.7727% | 5,724 |
| Net loans and leases to core deposits | 59.2072% | 5,610 |
| Total domestic deposits to total assets | 88.5572% | 1,979 |
| Equity capital to assets | 11.2752% | 2,651 |
| Core capital (leverage) ratio | 9.9587% | 3,412 |
| Tier 1 risk-based capital ratio | 14.2241% | 4,294 |
| Total risk-based capital ratio | 15.4803% | 4,265 |
| Memoranda: | ||
| Average total assets | $47,700,500 | 6,441 |
| Average earning assets | $42,851,500 | 6,432 |
| Average equity | $5,198,500 | 6,367 |
| Average total loans | $23,744,000 | 6,432 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5923% | 4,701 |
| Cost of funding earning assets | 0.9023% | 4,098 |
| Net interest margin | 3.6900% | 4,343 |
| Noninterest income to average assets | 0.2084% | 6,025 |
| Noninterest expense to average assets | 1.9813% | 6,706 |
| Loan and lease loss provision to assets | 0.3840% | 2,688 |
| Net operating income to assets | 1.1541% | 1,659 |
| Return on assets (ROA) | 1.1541% | 1,765 |
| Pretax return on assets | 1.1541% | 2,633 |
| Return on Equity (ROE) | 10.6637% | 1,814 |
| Retained earnings to average equity (ytd only) | 2.3922% | 4,521 |
| Net charge-offs to loans | 1.2677% | 1,307 |
| Credit loss provision to net charge-offs | 66.0377% | 4,994 |
| Earnings coverage of net charge-offs (x) | 2.6453% | 3,893 |
| Efficiency ratio | 56.2968% | 6,280 |
| Assets per employee ($millions) | 5.4304% | 1,709 |
| Cash dividends to net income (ytd only)* | 77.5665% | 859 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5001% | 4,026 |
| Loan loss allowance to noncurrent loans | 329.7297% | 1,013 |
| Noncurrent assets plus other real estate owned to assets | 0.8021% | 5,029 |
| Noncurrent loans to loans | 0.4549% | 5,798 |
| Net loans and leases to total assets | 49.1734% | 5,698 |
| Net loans and leases to deposits | 56.8640% | 5,809 |
| Net loans and leases to core deposits | 61.0936% | 5,745 |
| Total domestic deposits to total assets | 86.4754% | 3,042 |
| Equity capital to assets | 10.5393% | 3,487 |
| Core capital (leverage) ratio | 9.5312% | 3,973 |
| Tier 1 risk-based capital ratio | 13.3533% | 4,803 |
| Total risk-based capital ratio | 14.4298% | 4,909 |
| Memoranda: | ||
| Average total assets | $45,575,000 | 6,494 |
| Average earning assets | $40,894,400 | 6,496 |
| Average equity | $4,932,600 | 6,465 |
| Average total loans | $20,903,400 | 6,615 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6437% | 4,691 |
| Cost of funding earning assets | 0.9685% | 3,902 |
| Net interest margin | 3.6752% | 4,446 |
| Noninterest income to average assets | 0.2086% | 6,124 |
| Noninterest expense to average assets | 2.0349% | 6,620 |
| Loan and lease loss provision to assets | 0.3724% | 2,619 |
| Net operating income to assets | 1.1024% | 1,959 |
| Return on assets (ROA) | 1.1024% | 2,103 |
| Pretax return on assets | 1.1024% | 3,000 |
| Return on Equity (ROE) | 10.1132% | 2,161 |
| Retained earnings to average equity (ytd only) | 4.4278% | 3,574 |
| Net charge-offs to loans | 1.7640% | 767 |
| Credit loss provision to net charge-offs | 47.1698% | 5,096 |
| Earnings coverage of net charge-offs (x) | 1.8679% | 4,264 |
| Efficiency ratio | 57.9796% | 6,013 |
| Assets per employee ($millions) | 5.2838% | 1,835 |
| Cash dividends to net income (ytd only)* | 56.2171% | 1,349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5494% | 3,889 |
| Loan loss allowance to noncurrent loans | 277.1930% | 1,120 |
| Noncurrent assets plus other real estate owned to assets | 0.8369% | 5,089 |
| Noncurrent loans to loans | 0.5590% | 5,748 |
| Net loans and leases to total assets | 42.2236% | 6,488 |
| Net loans and leases to deposits | 47.5580% | 6,646 |
| Net loans and leases to core deposits | 51.2952% | 6,603 |
| Total domestic deposits to total assets | 88.7833% | 1,557 |
| Equity capital to assets | 11.0275% | 3,119 |
| Core capital (leverage) ratio | 9.7047% | 3,841 |
| Tier 1 risk-based capital ratio | 15.0428% | 3,638 |
| Total risk-based capital ratio | 16.0798% | 3,737 |
| Memoranda: | ||
| Average total assets | $44,750,250 | 6,562 |
| Average earning assets | $40,196,750 | 6,578 |
| Average equity | $4,878,000 | 6,534 |
| Average total loans | $20,029,500 | 6,722 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6573% | 4,721 |
| Cost of funding earning assets | 0.9994% | 3,950 |
| Net interest margin | 3.6579% | 4,486 |
| Noninterest income to average assets | 0.1689% | 6,455 |
| Noninterest expense to average assets | 2.1682% | 6,460 |
| Loan and lease loss provision to assets | 0.5706% | 1,698 |
| Net operating income to assets | 0.7212% | 3,435 |
| Return on assets (ROA) | 0.7212% | 3,553 |
| Pretax return on assets | 0.7212% | 4,313 |
| Return on Equity (ROE) | 6.6442% | 3,622 |
| Retained earnings to average equity (ytd only) | 0.2944% | 5,721 |
| Net charge-offs to loans | 2.0394% | 655 |
| Credit loss provision to net charge-offs | 61.5764% | 4,305 |
| Earnings coverage of net charge-offs (x) | 1.3941% | 4,234 |
| Efficiency ratio | 62.6649% | 5,464 |
| Assets per employee ($millions) | 5.0671% | 2,031 |
| Cash dividends to net income (ytd only)* | 95.5696% | 531 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9812% | 2,419 |
| Loan loss allowance to noncurrent loans | 239.2405% | 1,288 |
| Noncurrent assets plus other real estate owned to assets | 0.9780% | 4,909 |
| Noncurrent loans to loans | 0.8281% | 5,272 |
| Net loans and leases to total assets | 41.0074% | 6,667 |
| Net loans and leases to deposits | 46.0877% | 6,826 |
| Net loans and leases to core deposits | 49.8547% | 6,763 |
| Total domestic deposits to total assets | 88.9768% | 1,543 |
| Equity capital to assets | 10.8521% | 3,130 |
| Core capital (leverage) ratio | 9.9786% | 3,286 |
| Tier 1 risk-based capital ratio | 15.7005% | 3,127 |
| Total risk-based capital ratio | 16.9521% | 3,101 |
| Memoranda: | ||
| Average total assets | $43,815,670 | 6,651 |
| Average earning assets | $39,422,000 | 6,663 |
| Average equity | $4,756,000 | 6,612 |
| Average total loans | $19,907,670 | 6,795 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6699% | 4,646 |
| Cost of funding earning assets | 1.0458% | 3,882 |
| Net interest margin | 3.6241% | 4,460 |
| Noninterest income to average assets | 0.1491% | 6,656 |
| Noninterest expense to average assets | 2.0596% | 6,718 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.3513% | 1,148 |
| Return on assets (ROA) | 1.3513% | 1,202 |
| Pretax return on assets | 1.3513% | 1,880 |
| Return on Equity (ROE) | 12.4477% | 1,340 |
| Retained earnings to average equity (ytd only) | 12.4477% | 669 |
| Net charge-offs to loans | 0.4133% | 2,449 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 6.9048% | 2,032 |
| Efficiency ratio | 60.3825% | 5,930 |
| Assets per employee ($millions) | 4.8031% | 2,422 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2060% | 1,951 |
| Loan loss allowance to noncurrent loans | 52.2209% | 4,875 |
| Noncurrent assets plus other real estate owned to assets | 1.9270% | 3,401 |
| Noncurrent loans to loans | 4.2244% | 1,690 |
| Net loans and leases to total assets | 44.6100% | 6,417 |
| Net loans and leases to deposits | 50.2331% | 6,611 |
| Net loans and leases to core deposits | 53.5979% | 6,582 |
| Total domestic deposits to total assets | 88.8059% | 1,894 |
| Equity capital to assets | 10.9882% | 2,700 |
| Core capital (leverage) ratio | 10.7727% | 2,382 |
| Tier 1 risk-based capital ratio | 17.2928% | 2,375 |
| Total risk-based capital ratio | 18.5502% | 2,347 |
| Memoranda: | ||
| Average total assets | $42,921,500 | 6,731 |
| Average earning assets | $38,630,500 | 6,733 |
| Average equity | $4,659,500 | 6,665 |
| Average total loans | $20,322,000 | 6,820 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1675% | 3,762 |
| Cost of funding earning assets | 1.2083% | 4,511 |
| Net interest margin | 3.9592% | 3,219 |
| Noninterest income to average assets | 0.3867% | 5,006 |
| Noninterest expense to average assets | 2.1687% | 6,698 |
| Loan and lease loss provision to assets | 0.4773% | 3,274 |
| Net operating income to assets | 1.2777% | 1,231 |
| Return on assets (ROA) | 1.2777% | 1,291 |
| Pretax return on assets | 1.2777% | 1,994 |
| Return on Equity (ROE) | 11.1548% | 1,541 |
| Retained earnings to average equity (ytd only) | 2.3293% | 4,247 |
| Net charge-offs to loans | 0.3208% | 4,416 |
| Credit loss provision to net charge-offs | 300.0000% | 889 |
| Earnings coverage of net charge-offs (x) | 11.0308% | 1,644 |
| Efficiency ratio | 55.2714% | 6,681 |
| Assets per employee ($millions) | 4.7350% | 2,515 |
| Cash dividends to net income (ytd only)* | 79.1188% | 882 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1792% | 1,911 |
| Loan loss allowance to noncurrent loans | 61.1260% | 4,355 |
| Noncurrent assets plus other real estate owned to assets | 1.7506% | 3,678 |
| Noncurrent loans to loans | 3.5651% | 2,112 |
| Net loans and leases to total assets | 48.0324% | 6,389 |
| Net loans and leases to deposits | 53.9368% | 6,612 |
| Net loans and leases to core deposits | 58.2333% | 6,541 |
| Total domestic deposits to total assets | 89.0532% | 1,622 |
| Equity capital to assets | 10.7216% | 2,932 |
| Core capital (leverage) ratio | 10.4183% | 2,650 |
| Tier 1 risk-based capital ratio | 15.4851% | 3,002 |
| Total risk-based capital ratio | 16.7391% | 2,965 |
| Memoranda: | ||
| Average total assets | $40,854,800 | 6,831 |
| Average earning assets | $36,497,600 | 6,859 |
| Average equity | $4,679,600 | 6,763 |
| Average total loans | $20,259,800 | 6,909 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3227% | 3,241 |
| Cost of funding earning assets | 1.2335% | 4,667 |
| Net interest margin | 4.0893% | 2,677 |
| Noninterest income to average assets | 0.4322% | 4,700 |
| Noninterest expense to average assets | 2.1147% | 6,818 |
| Loan and lease loss provision to assets | 0.6433% | 2,373 |
| Net operating income to assets | 1.3163% | 1,306 |
| Return on assets (ROA) | 1.3163% | 1,378 |
| Pretax return on assets | 1.3163% | 2,124 |
| Return on Equity (ROE) | 11.3015% | 1,698 |
| Retained earnings to average equity (ytd only) | 6.9678% | 1,867 |
| Net charge-offs to loans | 0.2986% | 4,170 |
| Credit loss provision to net charge-offs | 433.3333% | 698 |
| Earnings coverage of net charge-offs (x) | 13.1997% | 1,608 |
| Efficiency ratio | 51.9028% | 6,986 |
| Assets per employee ($millions) | 4.5178% | 2,878 |
| Cash dividends to net income (ytd only)* | 38.3447% | 2,168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4553% | 1,391 |
| Loan loss allowance to noncurrent loans | 127.2727% | 2,233 |
| Noncurrent assets plus other real estate owned to assets | 0.9198% | 5,269 |
| Noncurrent loans to loans | 1.9291% | 3,770 |
| Net loans and leases to total assets | 46.5101% | 6,653 |
| Net loans and leases to deposits | 53.2749% | 6,817 |
| Net loans and leases to core deposits | 58.0947% | 6,719 |
| Total domestic deposits to total assets | 87.3020% | 2,371 |
| Equity capital to assets | 12.4422% | 1,884 |
| Core capital (leverage) ratio | 11.2766% | 2,081 |
| Tier 1 risk-based capital ratio | 17.0240% | 2,331 |
| Total risk-based capital ratio | 18.2827% | 2,293 |
| Memoranda: | ||
| Average total assets | $40,414,750 | 6,925 |
| Average earning assets | $35,995,500 | 6,959 |
| Average equity | $4,707,250 | 6,839 |
| Average total loans | $20,093,500 | 7,007 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3043% | 3,453 |
| Cost of funding earning assets | 1.2425% | 4,880 |
| Net interest margin | 4.0618% | 2,737 |
| Noninterest income to average assets | 0.5405% | 3,787 |
| Noninterest expense to average assets | 2.1570% | 6,751 |
| Loan and lease loss provision to assets | 0.9670% | 1,504 |
| Net operating income to assets | 1.0314% | 2,080 |
| Return on assets (ROA) | 1.0314% | 2,157 |
| Pretax return on assets | 1.0314% | 3,000 |
| Return on Equity (ROE) | 9.0632% | 2,434 |
| Retained earnings to average equity (ytd only) | 3.7908% | 3,682 |
| Net charge-offs to loans | 0.1181% | 4,998 |
| Credit loss provision to net charge-offs | 1,625.0000% | 247 |
| Earnings coverage of net charge-offs (x) | 33.5833% | 839 |
| Efficiency ratio | 51.9093% | 7,080 |
| Assets per employee ($millions) | 4.4018% | 3,050 |
| Cash dividends to net income (ytd only)* | 58.1731% | 1,380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5278% | 1,269 |
| Loan loss allowance to noncurrent loans | 98.0732% | 2,809 |
| Noncurrent assets plus other real estate owned to assets | 1.3101% | 4,530 |
| Noncurrent loans to loans | 2.5775% | 3,064 |
| Net loans and leases to total assets | 49.5431% | 6,487 |
| Net loans and leases to deposits | 56.3784% | 6,692 |
| Net loans and leases to core deposits | 61.4323% | 6,601 |
| Total domestic deposits to total assets | 87.8761% | 2,067 |
| Equity capital to assets | 11.8891% | 2,161 |
| Core capital (leverage) ratio | 11.1491% | 2,137 |
| Tier 1 risk-based capital ratio | 16.5869% | 2,441 |
| Total risk-based capital ratio | 17.8500% | 2,390 |
| Memoranda: | ||
| Average total assets | $40,333,000 | 6,987 |
| Average earning assets | $35,895,670 | 7,006 |
| Average equity | $4,590,000 | 6,907 |
| Average total loans | $20,329,000 | 7,050 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3825% | 3,128 |
| Cost of funding earning assets | 1.2710% | 4,994 |
| Net interest margin | 4.1115% | 2,394 |
| Noninterest income to average assets | 0.8356% | 1,864 |
| Noninterest expense to average assets | 1.9857% | 7,186 |
| Loan and lease loss provision to assets | 1.1796% | 1,034 |
| Net operating income to assets | 1.3271% | 1,231 |
| Return on assets (ROA) | 1.3271% | 1,305 |
| Pretax return on assets | 1.3271% | 1,976 |
| Return on Equity (ROE) | 11.9205% | 1,521 |
| Retained earnings to average equity (ytd only) | 11.9205% | 755 |
| Net charge-offs to loans | 0.0783% | 4,636 |
| Credit loss provision to net charge-offs | 3,000.0000% | 151 |
| Earnings coverage of net charge-offs (x) | 63.7500% | 480 |
| Efficiency ratio | 44.2013% | 7,618 |
| Assets per employee ($millions) | 4.4329% | 3,070 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1800% | 1,795 |
| Loan loss allowance to noncurrent loans | 65.2880% | 4,099 |
| Noncurrent assets plus other real estate owned to assets | 1.6969% | 3,933 |
| Noncurrent loans to loans | 3.3391% | 2,393 |
| Net loans and leases to total assets | 49.7118% | 6,496 |
| Net loans and leases to deposits | 56.3662% | 6,745 |
| Net loans and leases to core deposits | 60.7312% | 6,691 |
| Total domestic deposits to total assets | 88.1943% | 1,952 |
| Equity capital to assets | 11.5475% | 2,325 |
| Core capital (leverage) ratio | 11.2114% | 2,085 |
| Tier 1 risk-based capital ratio | 16.6342% | 2,398 |
| Total risk-based capital ratio | 17.8948% | 2,352 |
| Memoranda: | ||
| Average total assets | $40,691,500 | 7,063 |
| Average earning assets | $36,191,500 | 7,088 |
| Average equity | $4,530,000 | 6,990 |
| Average total loans | $20,425,500 | 7,134 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4625% | 4,370 |
| Cost of funding earning assets | 1.5965% | 5,042 |
| Net interest margin | 3.8659% | 3,409 |
| Noninterest income to average assets | 0.2765% | 6,128 |
| Noninterest expense to average assets | 2.1679% | 7,055 |
| Loan and lease loss provision to assets | 0.1174% | 6,470 |
| Net operating income to assets | 1.5287% | 635 |
| Return on assets (ROA) | 1.5287% | 675 |
| Pretax return on assets | 1.5287% | 1,118 |
| Return on Equity (ROE) | 13.7050% | 835 |
| Retained earnings to average equity (ytd only) | 9.0276% | 497 |
| Net charge-offs to loans | 0.7076% | 3,066 |
| Credit loss provision to net charge-offs | 32.1429% | 6,884 |
| Earnings coverage of net charge-offs (x) | 4.5071% | 2,925 |
| Efficiency ratio | 56.8399% | 6,908 |
| Assets per employee ($millions) | 4.6097% | 2,747 |
| Cash dividends to net income (ytd only)* | 34.1297% | 3,162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5844% | 3,345 |
| Loan loss allowance to noncurrent loans | 80.0983% | 3,445 |
| Noncurrent assets plus other real estate owned to assets | 1.2944% | 4,495 |
| Noncurrent loans to loans | 1.9780% | 3,673 |
| Net loans and leases to total assets | 48.8105% | 6,747 |
| Net loans and leases to deposits | 54.8439% | 6,994 |
| Net loans and leases to core deposits | 63.3466% | 7,130 |
| Total domestic deposits to total assets | 88.9990% | 1,486 |
| Equity capital to assets | 10.7335% | 2,942 |
| Core capital (leverage) ratio | 10.6490% | 2,474 |
| Tier 1 risk-based capital ratio | 15.4779% | 2,725 |
| Total risk-based capital ratio | 16.6481% | 2,715 |
| Memoranda: | ||
| Average total assets | $38,332,200 | 7,162 |
| Average earning assets | $35,075,800 | 7,132 |
| Average equity | $4,275,800 | 7,183 |
| Average total loans | $19,785,200 | 7,206 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4904% | 4,462 |
| Cost of funding earning assets | 1.6452% | 5,184 |
| Net interest margin | 3.8452% | 3,458 |
| Noninterest income to average assets | 0.2486% | 6,460 |
| Noninterest expense to average assets | 2.1734% | 7,042 |
| Loan and lease loss provision to assets | 0.1598% | 5,747 |
| Net operating income to assets | 1.4596% | 899 |
| Return on assets (ROA) | 1.4596% | 955 |
| Pretax return on assets | 1.4596% | 1,521 |
| Return on Equity (ROE) | 12.9503% | 1,126 |
| Retained earnings to average equity (ytd only) | 12.9503% | 265 |
| Net charge-offs to loans | 0.4969% | 3,236 |
| Credit loss provision to net charge-offs | 61.6438% | 6,143 |
| Earnings coverage of net charge-offs (x) | 6.2466% | 2,635 |
| Efficiency ratio | 57.3034% | 6,827 |
| Assets per employee ($millions) | 4.3361% | 3,145 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9900% | 1,827 |
| Loan loss allowance to noncurrent loans | 79.7160% | 3,430 |
| Noncurrent assets plus other real estate owned to assets | 1.5964% | 3,957 |
| Noncurrent loans to loans | 2.4963% | 3,018 |
| Net loans and leases to total assets | 49.5990% | 6,808 |
| Net loans and leases to deposits | 56.3970% | 7,061 |
| Net loans and leases to core deposits | 65.0709% | 7,200 |
| Total domestic deposits to total assets | 87.9462% | 1,681 |
| Equity capital to assets | 11.7309% | 2,407 |
| Core capital (leverage) ratio | 11.2320% | 2,239 |
| Tier 1 risk-based capital ratio | 16.5137% | 2,422 |
| Total risk-based capital ratio | 17.7741% | 2,371 |
| Memoranda: | ||
| Average total assets | $37,543,500 | 7,250 |
| Average earning assets | $34,605,000 | 7,223 |
| Average equity | $4,231,500 | 7,269 |
| Average total loans | $19,587,500 | 7,282 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5545% | 4,316 |
| Cost of funding earning assets | 1.6956% | 5,289 |
| Net interest margin | 3.8589% | 3,299 |
| Noninterest income to average assets | 0.2321% | 6,621 |
| Noninterest expense to average assets | 2.1863% | 7,093 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.6087% | 664 |
| Return on assets (ROA) | 1.6087% | 733 |
| Pretax return on assets | 1.6087% | 1,186 |
| Return on Equity (ROE) | 14.4801% | 910 |
| Retained earnings to average equity (ytd only) | 14.4801% | 231 |
| Net charge-offs to loans | 0.1331% | 4,830 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 22.9231% | 1,201 |
| Efficiency ratio | 57.6102% | 6,924 |
| Assets per employee ($millions) | 4.0793% | 3,538 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1661% | 1,293 |
| Loan loss allowance to noncurrent loans | 88.5033% | 3,215 |
| Noncurrent assets plus other real estate owned to assets | 1.2557% | 4,428 |
| Noncurrent loans to loans | 2.4474% | 2,950 |
| Net loans and leases to total assets | 50.1934% | 6,855 |
| Net loans and leases to deposits | 56.9803% | 7,094 |
| Net loans and leases to core deposits | 65.2365% | 7,246 |
| Total domestic deposits to total assets | 88.0890% | 1,720 |
| Equity capital to assets | 11.5569% | 2,498 |
| Core capital (leverage) ratio | 11.5971% | 2,038 |
| Tier 1 risk-based capital ratio | 16.9789% | 2,309 |
| Total risk-based capital ratio | 18.2410% | 2,252 |
| Memoranda: | ||
| Average total assets | $37,049,670 | 7,331 |
| Average earning assets | $34,206,670 | 7,306 |
| Average equity | $4,116,000 | 7,372 |
| Average total loans | $19,533,670 | 7,355 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4790% | 5,018 |
| Cost of funding earning assets | 1.7144% | 5,536 |
| Net interest margin | 3.7646% | 3,601 |
| Noninterest income to average assets | 0.2687% | 6,291 |
| Noninterest expense to average assets | 2.0313% | 7,277 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.7304% | 607 |
| Return on assets (ROA) | 1.7304% | 664 |
| Pretax return on assets | 1.7304% | 1,120 |
| Return on Equity (ROE) | 15.8914% | 843 |
| Retained earnings to average equity (ytd only) | 15.8914% | 348 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.0000% | 7,224 |
| Assets per employee ($millions) | 4.0654% | 3,524 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1947% | 1,091 |
| Loan loss allowance to noncurrent loans | 76.2681% | 3,822 |
| Noncurrent assets plus other real estate owned to assets | 1.5087% | 3,672 |
| Noncurrent loans to loans | 2.8775% | 2,269 |
| Net loans and leases to total assets | 51.2777% | 6,749 |
| Net loans and leases to deposits | 58.0328% | 7,033 |
| Net loans and leases to core deposits | 66.3977% | 7,223 |
| Total domestic deposits to total assets | 88.3599% | 1,541 |
| Equity capital to assets | 11.2575% | 2,758 |
| Core capital (leverage) ratio | 11.1120% | 2,418 |
| Tier 1 risk-based capital ratio | 16.6368% | 2,468 |
| Total risk-based capital ratio | 17.8947% | 2,392 |
| Memoranda: | ||
| Average total assets | $37,217,500 | 7,364 |
| Average earning assets | $34,532,000 | 7,329 |
| Average equity | $4,052,500 | 7,436 |
| Average total loans | $19,882,500 | 7,368 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5558% | 2,692 |
| Cost of funding earning assets | 2.4415% | 4,519 |
| Net interest margin | 4.1144% | 2,649 |
| Noninterest income to average assets | 0.3298% | 6,084 |
| Noninterest expense to average assets | 2.2264% | 6,904 |
| Loan and lease loss provision to assets | 1.0464% | 1,399 |
| Net operating income to assets | 0.8473% | 3,230 |
| Return on assets (ROA) | 0.8473% | 3,069 |
| Pretax return on assets | 0.8473% | 3,895 |
| Return on Equity (ROE) | 7.2503% | 3,397 |
| Retained earnings to average equity (ytd only) | -3.0169% | 6,115 |
| Net charge-offs to loans | 2.1964% | 470 |
| Credit loss provision to net charge-offs | 78.8009% | 5,928 |
| Earnings coverage of net charge-offs (x) | 1.4261% | 5,404 |
| Efficiency ratio | 54.0373% | 7,263 |
| Assets per employee ($millions) | 4.2051% | 3,110 |
| Cash dividends to net income (ytd only)* | 141.6107% | 516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0455% | 1,154 |
| Loan loss allowance to noncurrent loans | 311.8519% | 1,296 |
| Noncurrent assets plus other real estate owned to assets | 0.3567% | 6,168 |
| Noncurrent loans to loans | 0.6559% | 5,395 |
| Net loans and leases to total assets | 53.2712% | 6,725 |
| Net loans and leases to deposits | 59.8072% | 7,106 |
| Net loans and leases to core deposits | 68.8324% | 7,255 |
| Total domestic deposits to total assets | 89.0715% | 1,018 |
| Equity capital to assets | 10.5322% | 3,463 |
| Core capital (leverage) ratio | 10.8576% | 2,703 |
| Tier 1 risk-based capital ratio | 15.5461% | 2,830 |
| Total risk-based capital ratio | 16.8053% | 2,758 |
| Memoranda: | ||
| Average total assets | $35,169,400 | 7,414 |
| Average earning assets | $32,398,600 | 7,391 |
| Average equity | $4,110,200 | 7,471 |
| Average total loans | $21,262,400 | 7,243 |