Home > First National Bank > Performance and Condition Ratios
First National 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 | 3.5731% | 5,477 |
| Cost of funding earning assets | 0.2262% | 6,136 |
| Net interest margin | 3.3469% | 4,490 |
| Noninterest income to average assets | 0.8540% | 1,852 |
| Noninterest expense to average assets | 3.0654% | 2,849 |
| Loan and lease loss provision to assets | -0.0067% | 6,263 |
| Net operating income to assets | 0.6162% | 4,188 |
| Return on assets (ROA) | 0.6307% | 4,223 |
| Pretax return on assets | 0.9599% | 3,516 |
| Return on Equity (ROE) | 8.2867% | 2,890 |
| Retained earnings to average equity (ytd only) | -4.1054% | 6,326 |
| Net charge-offs to loans | -0.0101% | 6,018 |
| Credit loss provision to net charge-offs | 90.9091% | 2,727 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6992% | 2,676 |
| Assets per employee ($millions) | 3.9827% | 3,894 |
| Cash dividends to net income (ytd only)* | 149.5426% | 152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9200% | 5,859 |
| Loan loss allowance to noncurrent loans | 158.4795% | 2,558 |
| Noncurrent assets plus other real estate owned to assets | 0.5295% | 4,656 |
| Noncurrent loans to loans | 0.5805% | 4,532 |
| Net loans and leases to total assets | 72.6234% | 1,575 |
| Net loans and leases to deposits | 83.4515% | 2,004 |
| Net loans and leases to core deposits | 84.1825% | 2,658 |
| Total domestic deposits to total assets | 87.0247% | 2,713 |
| Equity capital to assets | 7.5800% | 6,242 |
| Core capital (leverage) ratio | 7.3933% | 6,416 |
| Tier 1 risk-based capital ratio | 11.0388% | 6,155 |
| Total risk-based capital ratio | 12.0514% | 6,212 |
| Memoranda: | ||
| Average total assets | $450,576,600 | 1,475 |
| Average earning assets | $423,081,200 | 1,441 |
| Average equity | $34,296,000 | 2,004 |
| Average total loans | $327,152,000 | 1,303 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5344% | 5,609 |
| Cost of funding earning assets | 0.2306% | 6,224 |
| Net interest margin | 3.3038% | 4,620 |
| Noninterest income to average assets | 0.8656% | 1,872 |
| Noninterest expense to average assets | 3.0150% | 2,940 |
| Loan and lease loss provision to assets | 0.0289% | 4,429 |
| Net operating income to assets | 0.6178% | 4,265 |
| Return on assets (ROA) | 0.6371% | 4,300 |
| Pretax return on assets | 0.9687% | 3,619 |
| Return on Equity (ROE) | 8.3610% | 2,940 |
| Retained earnings to average equity (ytd only) | -5.1681% | 6,501 |
| Net charge-offs to loans | -0.0407% | 6,248 |
| Credit loss provision to net charge-offs | -98.0000% | 5,783 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6895% | 2,775 |
| Assets per employee ($millions) | 3.8036% | 4,232 |
| Cash dividends to net income (ytd only)* | 161.8122% | 113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9492% | 5,923 |
| Loan loss allowance to noncurrent loans | 113.5096% | 3,166 |
| Noncurrent assets plus other real estate owned to assets | 0.7407% | 4,254 |
| Noncurrent loans to loans | 0.8362% | 4,160 |
| Net loans and leases to total assets | 75.1186% | 1,122 |
| Net loans and leases to deposits | 86.1309% | 1,598 |
| Net loans and leases to core deposits | 89.4139% | 2,030 |
| Total domestic deposits to total assets | 87.2145% | 2,556 |
| Equity capital to assets | 7.6697% | 6,318 |
| Core capital (leverage) ratio | 7.2390% | 6,532 |
| Tier 1 risk-based capital ratio | 10.9404% | 6,305 |
| Total risk-based capital ratio | 12.0066% | 6,346 |
| Memoranda: | ||
| Average total assets | $452,699,500 | 1,473 |
| Average earning assets | $427,213,000 | 1,435 |
| Average equity | $34,492,500 | 2,012 |
| Average total loans | $327,930,500 | 1,300 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4576% | 5,773 |
| Cost of funding earning assets | 0.2300% | 6,309 |
| Net interest margin | 3.2276% | 4,846 |
| Noninterest income to average assets | 0.8306% | 2,064 |
| Noninterest expense to average assets | 2.9873% | 3,040 |
| Loan and lease loss provision to assets | 0.0355% | 4,238 |
| Net operating income to assets | 0.5694% | 4,461 |
| Return on assets (ROA) | 0.5980% | 4,478 |
| Pretax return on assets | 0.9064% | 3,881 |
| Return on Equity (ROE) | 7.8652% | 3,159 |
| Retained earnings to average equity (ytd only) | -7.9804% | 6,607 |
| Net charge-offs to loans | 0.0129% | 4,603 |
| Credit loss provision to net charge-offs | 385.7143% | 678 |
| Earnings coverage of net charge-offs (x) | 97.6667% | 471 |
| Efficiency ratio | 76.8771% | 2,652 |
| Assets per employee ($millions) | 3.9850% | 3,838 |
| Cash dividends to net income (ytd only)* | 201.4652% | 92 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8786% | 6,194 |
| Loan loss allowance to noncurrent loans | 101.8779% | 3,409 |
| Noncurrent assets plus other real estate owned to assets | 0.7419% | 4,357 |
| Noncurrent loans to loans | 0.8624% | 4,200 |
| Net loans and leases to total assets | 74.7868% | 1,132 |
| Net loans and leases to deposits | 90.5052% | 1,097 |
| Net loans and leases to core deposits | 91.3303% | 1,778 |
| Total domestic deposits to total assets | 82.6326% | 4,842 |
| Equity capital to assets | 7.3701% | 6,485 |
| Core capital (leverage) ratio | 7.2603% | 6,543 |
| Tier 1 risk-based capital ratio | 11.0506% | 6,309 |
| Total risk-based capital ratio | 12.0825% | 6,374 |
| Memoranda: | ||
| Average total assets | $456,527,000 | 1,462 |
| Average earning assets | $432,144,000 | 1,415 |
| Average equity | $34,710,000 | 2,006 |
| Average total loans | $325,703,330 | 1,305 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3970% | 5,950 |
| Cost of funding earning assets | 0.2385% | 6,358 |
| Net interest margin | 3.1585% | 5,065 |
| Noninterest income to average assets | 0.8419% | 1,952 |
| Noninterest expense to average assets | 3.0707% | 2,767 |
| Loan and lease loss provision to assets | -0.1124% | 6,847 |
| Net operating income to assets | 0.5835% | 4,294 |
| Return on assets (ROA) | 0.6408% | 4,175 |
| Pretax return on assets | 0.9692% | 3,487 |
| Return on Equity (ROE) | 8.3008% | 2,818 |
| Retained earnings to average equity (ytd only) | -11.5983% | 6,670 |
| Net charge-offs to loans | 0.0811% | 3,027 |
| Credit loss provision to net charge-offs | -200.0000% | 5,255 |
| Earnings coverage of net charge-offs (x) | 13.7031% | 1,507 |
| Efficiency ratio | 79.9543% | 2,337 |
| Assets per employee ($millions) | 3.8751% | 4,202 |
| Cash dividends to net income (ytd only)* | 239.7260% | 151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8643% | 6,338 |
| Loan loss allowance to noncurrent loans | 143.9050% | 2,467 |
| Noncurrent assets plus other real estate owned to assets | 0.4480% | 5,260 |
| Noncurrent loans to loans | 0.6006% | 4,939 |
| Net loans and leases to total assets | 70.4821% | 1,583 |
| Net loans and leases to deposits | 82.7099% | 1,743 |
| Net loans and leases to core deposits | 83.3750% | 2,410 |
| Total domestic deposits to total assets | 85.2160% | 3,939 |
| Equity capital to assets | 7.6352% | 6,550 |
| Core capital (leverage) ratio | 7.2966% | 6,547 |
| Tier 1 risk-based capital ratio | 12.4815% | 5,588 |
| Total risk-based capital ratio | 13.5396% | 5,681 |
| Memoranda: | ||
| Average total assets | $455,654,500 | 1,477 |
| Average earning assets | $432,617,000 | 1,419 |
| Average equity | $35,177,500 | 2,009 |
| Average total loans | $315,672,500 | 1,347 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7857% | 5,863 |
| Cost of funding earning assets | 0.3508% | 6,210 |
| Net interest margin | 3.4349% | 4,761 |
| Noninterest income to average assets | 0.8956% | 1,872 |
| Noninterest expense to average assets | 2.9027% | 3,628 |
| Loan and lease loss provision to assets | -0.0320% | 6,849 |
| Net operating income to assets | 0.8404% | 3,091 |
| Return on assets (ROA) | 0.8404% | 3,348 |
| Pretax return on assets | 1.2734% | 2,505 |
| Return on Equity (ROE) | 10.5192% | 1,962 |
| Retained earnings to average equity (ytd only) | 4.2228% | 3,254 |
| Net charge-offs to loans | -0.0137% | 6,511 |
| Credit loss provision to net charge-offs | 332.5581% | 734 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0437% | 3,807 |
| Assets per employee ($millions) | 3.9476% | 4,049 |
| Cash dividends to net income (ytd only)* | 59.8563% | 1,807 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9638% | 6,082 |
| Loan loss allowance to noncurrent loans | 153.4261% | 2,329 |
| Noncurrent assets plus other real estate owned to assets | 0.4239% | 5,429 |
| Noncurrent loans to loans | 0.6282% | 4,950 |
| Net loans and leases to total assets | 66.8289% | 2,396 |
| Net loans and leases to deposits | 78.1590% | 2,506 |
| Net loans and leases to core deposits | 78.8254% | 3,159 |
| Total domestic deposits to total assets | 85.5038% | 3,607 |
| Equity capital to assets | 7.8044% | 6,498 |
| Core capital (leverage) ratio | 7.5492% | 6,475 |
| Tier 1 risk-based capital ratio | 12.5500% | 5,435 |
| Total risk-based capital ratio | 13.6514% | 5,489 |
| Memoranda: | ||
| Average total assets | $447,303,600 | 1,476 |
| Average earning assets | $423,040,600 | 1,424 |
| Average equity | $35,734,600 | 1,937 |
| Average total loans | $314,054,400 | 1,336 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8714% | 5,854 |
| Cost of funding earning assets | 0.3755% | 6,255 |
| Net interest margin | 3.4958% | 4,663 |
| Noninterest income to average assets | 0.9083% | 1,803 |
| Noninterest expense to average assets | 2.8942% | 3,620 |
| Loan and lease loss provision to assets | -0.0723% | 7,015 |
| Net operating income to assets | 0.9200% | 2,880 |
| Return on assets (ROA) | 0.9200% | 3,106 |
| Pretax return on assets | 1.3970% | 2,248 |
| Return on Equity (ROE) | 11.4473% | 1,804 |
| Retained earnings to average equity (ytd only) | 11.4473% | 623 |
| Net charge-offs to loans | -0.1192% | 6,892 |
| Credit loss provision to net charge-offs | 85.4610% | 3,448 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5999% | 3,945 |
| Assets per employee ($millions) | 3.7670% | 4,385 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9991% | 6,088 |
| Loan loss allowance to noncurrent loans | 92.2235% | 3,461 |
| Noncurrent assets plus other real estate owned to assets | 0.7895% | 4,734 |
| Noncurrent loans to loans | 1.0833% | 4,270 |
| Net loans and leases to total assets | 70.7305% | 1,774 |
| Net loans and leases to deposits | 81.3654% | 2,205 |
| Net loans and leases to core deposits | 82.5900% | 2,884 |
| Total domestic deposits to total assets | 86.9294% | 2,715 |
| Equity capital to assets | 8.5693% | 6,201 |
| Core capital (leverage) ratio | 8.0749% | 6,259 |
| Tier 1 risk-based capital ratio | 13.2073% | 5,090 |
| Total risk-based capital ratio | 14.3676% | 5,113 |
| Memoranda: | ||
| Average total assets | $444,649,500 | 1,495 |
| Average earning assets | $421,098,500 | 1,444 |
| Average equity | $35,733,750 | 1,952 |
| Average total loans | $315,317,750 | 1,346 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8967% | 5,928 |
| Cost of funding earning assets | 0.4040% | 6,242 |
| Net interest margin | 3.4927% | 4,701 |
| Noninterest income to average assets | 0.8502% | 1,965 |
| Noninterest expense to average assets | 2.8327% | 3,899 |
| Loan and lease loss provision to assets | -0.0684% | 7,092 |
| Net operating income to assets | 0.9150% | 2,835 |
| Return on assets (ROA) | 0.9150% | 3,098 |
| Pretax return on assets | 1.3882% | 2,244 |
| Return on Equity (ROE) | 11.6371% | 1,793 |
| Retained earnings to average equity (ytd only) | 11.6371% | 642 |
| Net charge-offs to loans | -0.2099% | 7,004 |
| Credit loss provision to net charge-offs | 46.0843% | 4,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2176% | 4,081 |
| Assets per employee ($millions) | 3.9341% | 4,011 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9995% | 6,161 |
| Loan loss allowance to noncurrent loans | 106.7847% | 3,027 |
| Noncurrent assets plus other real estate owned to assets | 0.6835% | 5,062 |
| Noncurrent loans to loans | 0.9360% | 4,640 |
| Net loans and leases to total assets | 70.7118% | 1,785 |
| Net loans and leases to deposits | 84.2470% | 1,826 |
| Net loans and leases to core deposits | 85.4347% | 2,502 |
| Total domestic deposits to total assets | 83.9340% | 4,339 |
| Equity capital to assets | 7.9673% | 6,586 |
| Core capital (leverage) ratio | 7.6976% | 6,517 |
| Tier 1 risk-based capital ratio | 12.3258% | 5,707 |
| Total risk-based capital ratio | 13.4897% | 5,746 |
| Memoranda: | ||
| Average total assets | $447,210,330 | 1,493 |
| Average earning assets | $422,821,330 | 1,445 |
| Average equity | $35,163,330 | 1,967 |
| Average total loans | $316,361,000 | 1,340 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8637% | 6,107 |
| Cost of funding earning assets | 0.4412% | 6,202 |
| Net interest margin | 3.4224% | 5,017 |
| Noninterest income to average assets | 0.8458% | 1,965 |
| Noninterest expense to average assets | 2.8439% | 3,852 |
| Loan and lease loss provision to assets | 0.1374% | 3,635 |
| Net operating income to assets | 0.7211% | 3,776 |
| Return on assets (ROA) | 0.7211% | 3,997 |
| Pretax return on assets | 1.0889% | 3,370 |
| Return on Equity (ROE) | 9.2346% | 2,717 |
| Retained earnings to average equity (ytd only) | 9.2346% | 1,503 |
| Net charge-offs to loans | 0.0475% | 4,041 |
| Credit loss provision to net charge-offs | 410.8108% | 768 |
| Earnings coverage of net charge-offs (x) | 36.6757% | 800 |
| Efficiency ratio | 69.8712% | 3,843 |
| Assets per employee ($millions) | 3.8620% | 4,283 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0175% | 6,182 |
| Loan loss allowance to noncurrent loans | 110.9028% | 2,796 |
| Noncurrent assets plus other real estate owned to assets | 0.6416% | 5,288 |
| Noncurrent loans to loans | 0.9174% | 4,832 |
| Net loans and leases to total assets | 68.7666% | 1,975 |
| Net loans and leases to deposits | 78.5011% | 2,420 |
| Net loans and leases to core deposits | 79.8113% | 3,094 |
| Total domestic deposits to total assets | 87.5996% | 2,589 |
| Equity capital to assets | 7.7286% | 6,675 |
| Core capital (leverage) ratio | 7.7183% | 6,470 |
| Tier 1 risk-based capital ratio | 12.6034% | 5,515 |
| Total risk-based capital ratio | 13.8138% | 5,517 |
| Memoranda: | ||
| Average total assets | $442,638,000 | 1,506 |
| Average earning assets | $417,012,500 | 1,464 |
| Average equity | $34,565,500 | 1,999 |
| Average total loans | $311,564,000 | 1,367 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3313% | 5,659 |
| Cost of funding earning assets | 0.5560% | 6,309 |
| Net interest margin | 3.7753% | 3,950 |
| Noninterest income to average assets | 0.9055% | 1,654 |
| Noninterest expense to average assets | 3.0927% | 3,223 |
| Loan and lease loss provision to assets | 0.1882% | 4,301 |
| Net operating income to assets | 0.7923% | 3,071 |
| Return on assets (ROA) | 0.8398% | 3,031 |
| Pretax return on assets | 1.2644% | 2,256 |
| Return on Equity (ROE) | 10.9447% | 1,713 |
| Retained earnings to average equity (ytd only) | 1.9614% | 4,812 |
| Net charge-offs to loans | 0.3472% | 3,663 |
| Credit loss provision to net charge-offs | 76.5421% | 4,620 |
| Earnings coverage of net charge-offs (x) | 5.6159% | 2,738 |
| Efficiency ratio | 69.1355% | 4,122 |
| Assets per employee ($millions) | 3.3861% | 5,283 |
| Cash dividends to net income (ytd only)* | 82.0793% | 732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9954% | 6,243 |
| Loan loss allowance to noncurrent loans | 122.5318% | 2,563 |
| Noncurrent assets plus other real estate owned to assets | 0.6045% | 5,455 |
| Noncurrent loans to loans | 0.8124% | 5,069 |
| Net loans and leases to total assets | 70.6313% | 1,895 |
| Net loans and leases to deposits | 80.0269% | 2,512 |
| Net loans and leases to core deposits | 81.7419% | 3,218 |
| Total domestic deposits to total assets | 88.2594% | 1,996 |
| Equity capital to assets | 7.8928% | 6,638 |
| Core capital (leverage) ratio | 7.6274% | 6,583 |
| Tier 1 risk-based capital ratio | 12.8227% | 5,224 |
| Total risk-based capital ratio | 14.0369% | 5,231 |
| Memoranda: | ||
| Average total assets | $435,223,200 | 1,497 |
| Average earning assets | $411,305,000 | 1,454 |
| Average equity | $33,395,200 | 1,992 |
| Average total loans | $308,202,600 | 1,378 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3971% | 5,608 |
| Cost of funding earning assets | 0.5711% | 6,424 |
| Net interest margin | 3.8260% | 3,743 |
| Noninterest income to average assets | 0.9355% | 1,530 |
| Noninterest expense to average assets | 3.1215% | 3,085 |
| Loan and lease loss provision to assets | 0.2451% | 3,555 |
| Net operating income to assets | 0.7918% | 3,206 |
| Return on assets (ROA) | 0.8551% | 3,074 |
| Pretax return on assets | 1.2872% | 2,333 |
| Return on Equity (ROE) | 11.2234% | 1,784 |
| Retained earnings to average equity (ytd only) | -0.8275% | 6,122 |
| Net charge-offs to loans | 0.5044% | 2,744 |
| Credit loss provision to net charge-offs | 68.7554% | 4,525 |
| Earnings coverage of net charge-offs (x) | 4.0292% | 3,206 |
| Efficiency ratio | 68.4840% | 4,220 |
| Assets per employee ($millions) | 3.3371% | 5,398 |
| Cash dividends to net income (ytd only)* | 107.3729% | 243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9559% | 6,434 |
| Loan loss allowance to noncurrent loans | 196.8792% | 1,574 |
| Noncurrent assets plus other real estate owned to assets | 0.4696% | 5,907 |
| Noncurrent loans to loans | 0.4855% | 5,876 |
| Net loans and leases to total assets | 72.4893% | 1,615 |
| Net loans and leases to deposits | 81.7595% | 2,403 |
| Net loans and leases to core deposits | 83.6525% | 3,104 |
| Total domestic deposits to total assets | 88.6617% | 1,654 |
| Equity capital to assets | 7.8917% | 6,758 |
| Core capital (leverage) ratio | 7.3929% | 6,815 |
| Tier 1 risk-based capital ratio | 12.4158% | 5,562 |
| Total risk-based capital ratio | 13.5791% | 5,631 |
| Memoranda: | ||
| Average total assets | $435,674,000 | 1,506 |
| Average earning assets | $412,504,250 | 1,458 |
| Average equity | $33,191,750 | 2,004 |
| Average total loans | $307,951,250 | 1,392 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4106% | 5,648 |
| Cost of funding earning assets | 0.5727% | 6,573 |
| Net interest margin | 3.8379% | 3,599 |
| Noninterest income to average assets | 0.9585% | 1,435 |
| Noninterest expense to average assets | 3.0940% | 3,278 |
| Loan and lease loss provision to assets | 0.3275% | 2,826 |
| Net operating income to assets | 0.7761% | 3,169 |
| Return on assets (ROA) | 0.8630% | 2,897 |
| Pretax return on assets | 1.2975% | 2,145 |
| Return on Equity (ROE) | 11.4598% | 1,652 |
| Retained earnings to average equity (ytd only) | -6.6632% | 6,703 |
| Net charge-offs to loans | 0.6907% | 2,115 |
| Credit loss provision to net charge-offs | 67.8605% | 4,116 |
| Earnings coverage of net charge-offs (x) | 3.0980% | 3,304 |
| Efficiency ratio | 67.4167% | 4,623 |
| Assets per employee ($millions) | 3.8818% | 4,036 |
| Cash dividends to net income (ytd only)* | 158.1444% | 159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9481% | 6,513 |
| Loan loss allowance to noncurrent loans | 160.3865% | 1,851 |
| Noncurrent assets plus other real estate owned to assets | 0.7502% | 5,407 |
| Noncurrent loans to loans | 0.5912% | 5,745 |
| Net loans and leases to total assets | 64.8515% | 3,284 |
| Net loans and leases to deposits | 73.0002% | 3,957 |
| Net loans and leases to core deposits | 84.7398% | 3,108 |
| Total domestic deposits to total assets | 88.8374% | 1,640 |
| Equity capital to assets | 6.7300% | 7,151 |
| Core capital (leverage) ratio | 7.1671% | 6,934 |
| Tier 1 risk-based capital ratio | 11.8020% | 5,937 |
| Total risk-based capital ratio | 12.9486% | 6,018 |
| Memoranda: | ||
| Average total assets | $439,628,670 | 1,506 |
| Average earning assets | $415,909,670 | 1,461 |
| Average equity | $33,107,000 | 1,997 |
| Average total loans | $307,207,670 | 1,413 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6382% | 4,789 |
| Cost of funding earning assets | 0.6062% | 6,592 |
| Net interest margin | 4.0320% | 2,557 |
| Noninterest income to average assets | 0.9848% | 1,374 |
| Noninterest expense to average assets | 3.4415% | 2,167 |
| Loan and lease loss provision to assets | 0.2436% | 3,231 |
| Net operating income to assets | 0.7450% | 3,300 |
| Return on assets (ROA) | 0.7450% | 3,367 |
| Pretax return on assets | 1.1118% | 2,716 |
| Return on Equity (ROE) | 9.3236% | 2,339 |
| Retained earnings to average equity (ytd only) | 9.3236% | 1,287 |
| Net charge-offs to loans | 0.4656% | 2,303 |
| Credit loss provision to net charge-offs | 72.2380% | 3,309 |
| Earnings coverage of net charge-offs (x) | 4.0198% | 2,576 |
| Efficiency ratio | 71.7443% | 3,923 |
| Assets per employee ($millions) | 3.3452% | 5,374 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0884% | 6,089 |
| Loan loss allowance to noncurrent loans | 146.0669% | 2,032 |
| Noncurrent assets plus other real estate owned to assets | 0.9324% | 5,028 |
| Noncurrent loans to loans | 0.7452% | 5,528 |
| Net loans and leases to total assets | 69.1123% | 2,303 |
| Net loans and leases to deposits | 78.8639% | 2,919 |
| Net loans and leases to core deposits | 81.0975% | 3,594 |
| Total domestic deposits to total assets | 87.6348% | 2,588 |
| Equity capital to assets | 7.9654% | 6,532 |
| Core capital (leverage) ratio | 7.8452% | 6,425 |
| Tier 1 risk-based capital ratio | 12.6479% | 5,117 |
| Total risk-based capital ratio | 13.8997% | 5,092 |
| Memoranda: | ||
| Average total assets | $418,773,000 | 1,592 |
| Average earning assets | $395,929,500 | 1,536 |
| Average equity | $33,463,500 | 1,970 |
| Average total loans | $303,239,500 | 1,442 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0176% | 4,467 |
| Cost of funding earning assets | 0.8801% | 6,242 |
| Net interest margin | 4.1374% | 2,419 |
| Noninterest income to average assets | 0.9837% | 1,561 |
| Noninterest expense to average assets | 3.0080% | 3,821 |
| Loan and lease loss provision to assets | 0.0287% | 6,840 |
| Net operating income to assets | 1.2185% | 1,371 |
| Return on assets (ROA) | 1.2459% | 1,372 |
| Pretax return on assets | 1.8858% | 633 |
| Return on Equity (ROE) | 13.7718% | 934 |
| Retained earnings to average equity (ytd only) | 13.7718% | 171 |
| Net charge-offs to loans | 0.1024% | 5,838 |
| Credit loss provision to net charge-offs | 36.2832% | 6,434 |
| Earnings coverage of net charge-offs (x) | 23.6844% | 894 |
| Efficiency ratio | 61.6278% | 5,789 |
| Assets per employee ($millions) | 3.3553% | 5,287 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0751% | 6,046 |
| Loan loss allowance to noncurrent loans | 60.6707% | 4,385 |
| Noncurrent assets plus other real estate owned to assets | 1.4604% | 4,137 |
| Noncurrent loans to loans | 1.7721% | 3,852 |
| Net loans and leases to total assets | 74.2180% | 1,614 |
| Net loans and leases to deposits | 84.7893% | 2,327 |
| Net loans and leases to core deposits | 87.1065% | 3,170 |
| Total domestic deposits to total assets | 87.5323% | 2,530 |
| Equity capital to assets | 8.0171% | 6,482 |
| Core capital (leverage) ratio | 7.6840% | 6,556 |
| Tier 1 risk-based capital ratio | 12.2751% | 5,232 |
| Total risk-based capital ratio | 13.5254% | 5,193 |
| Memoranda: | ||
| Average total assets | $428,687,600 | 1,559 |
| Average earning assets | $403,799,600 | 1,504 |
| Average equity | $38,782,200 | 1,706 |
| Average total loans | $331,043,400 | 1,349 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0822% | 4,415 |
| Cost of funding earning assets | 0.9437% | 6,208 |
| Net interest margin | 4.1386% | 2,452 |
| Noninterest income to average assets | 0.9630% | 1,572 |
| Noninterest expense to average assets | 2.9665% | 3,865 |
| Loan and lease loss provision to assets | 0.0157% | 6,886 |
| Net operating income to assets | 1.2355% | 1,499 |
| Return on assets (ROA) | 1.2717% | 1,491 |
| Pretax return on assets | 1.9290% | 728 |
| Return on Equity (ROE) | 13.6858% | 1,102 |
| Retained earnings to average equity (ytd only) | 13.6858% | 295 |
| Net charge-offs to loans | 0.1292% | 5,257 |
| Credit loss provision to net charge-offs | 15.6442% | 6,288 |
| Earnings coverage of net charge-offs (x) | 18.8127% | 1,232 |
| Efficiency ratio | 61.0850% | 5,775 |
| Assets per employee ($millions) | 3.4150% | 5,170 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0423% | 6,206 |
| Loan loss allowance to noncurrent loans | 86.8065% | 3,150 |
| Noncurrent assets plus other real estate owned to assets | 1.0355% | 5,036 |
| Noncurrent loans to loans | 1.2007% | 4,838 |
| Net loans and leases to total assets | 74.5159% | 1,687 |
| Net loans and leases to deposits | 84.8342% | 2,550 |
| Net loans and leases to core deposits | 86.7399% | 3,552 |
| Total domestic deposits to total assets | 87.8371% | 2,062 |
| Equity capital to assets | 7.7671% | 6,960 |
| Core capital (leverage) ratio | 7.2557% | 7,032 |
| Tier 1 risk-based capital ratio | 12.0119% | 5,452 |
| Total risk-based capital ratio | 13.2621% | 5,424 |
| Memoranda: | ||
| Average total assets | $432,682,750 | 1,566 |
| Average earning assets | $407,054,000 | 1,518 |
| Average equity | $40,206,000 | 1,657 |
| Average total loans | $336,396,250 | 1,342 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1156% | 4,370 |
| Cost of funding earning assets | 1.0241% | 6,038 |
| Net interest margin | 4.0915% | 2,602 |
| Noninterest income to average assets | 0.9680% | 1,463 |
| Noninterest expense to average assets | 2.9568% | 3,864 |
| Loan and lease loss provision to assets | 0.0137% | 6,778 |
| Net operating income to assets | 1.2125% | 1,528 |
| Return on assets (ROA) | 1.2661% | 1,457 |
| Pretax return on assets | 1.9204% | 712 |
| Return on Equity (ROE) | 12.9515% | 1,253 |
| Retained earnings to average equity (ytd only) | 12.9515% | 387 |
| Net charge-offs to loans | 0.0698% | 5,441 |
| Credit loss provision to net charge-offs | 25.0000% | 5,803 |
| Earnings coverage of net charge-offs (x) | 33.8167% | 834 |
| Efficiency ratio | 61.4771% | 5,771 |
| Assets per employee ($millions) | 3.6245% | 4,653 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0428% | 6,221 |
| Loan loss allowance to noncurrent loans | 149.3086% | 1,869 |
| Noncurrent assets plus other real estate owned to assets | 0.6688% | 5,809 |
| Noncurrent loans to loans | 0.6984% | 5,848 |
| Net loans and leases to total assets | 75.3824% | 1,611 |
| Net loans and leases to deposits | 88.4924% | 2,094 |
| Net loans and leases to core deposits | 90.6977% | 3,164 |
| Total domestic deposits to total assets | 85.1852% | 3,527 |
| Equity capital to assets | 10.7211% | 3,155 |
| Core capital (leverage) ratio | 10.3675% | 2,750 |
| Tier 1 risk-based capital ratio | 16.9542% | 2,296 |
| Total risk-based capital ratio | 18.2049% | 2,251 |
| Memoranda: | ||
| Average total assets | $438,034,000 | 1,555 |
| Average earning assets | $411,293,330 | 1,507 |
| Average equity | $42,821,330 | 1,550 |
| Average total loans | $343,953,330 | 1,332 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1860% | 4,101 |
| Cost of funding earning assets | 1.0951% | 5,933 |
| Net interest margin | 4.0909% | 2,479 |
| Noninterest income to average assets | 0.9655% | 1,404 |
| Noninterest expense to average assets | 3.0438% | 3,501 |
| Loan and lease loss provision to assets | 0.0118% | 6,498 |
| Net operating income to assets | 1.1361% | 1,726 |
| Return on assets (ROA) | 1.2430% | 1,492 |
| Pretax return on assets | 1.8927% | 741 |
| Return on Equity (ROE) | 13.3539% | 1,181 |
| Retained earnings to average equity (ytd only) | 13.3539% | 578 |
| Net charge-offs to loans | 0.0548% | 4,853 |
| Credit loss provision to net charge-offs | 27.0833% | 4,860 |
| Earnings coverage of net charge-offs (x) | 39.8958% | 690 |
| Efficiency ratio | 63.5932% | 5,567 |
| Assets per employee ($millions) | 3.5573% | 4,911 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0316% | 6,316 |
| Loan loss allowance to noncurrent loans | 107.9004% | 2,572 |
| Noncurrent assets plus other real estate owned to assets | 0.8843% | 5,391 |
| Noncurrent loans to loans | 0.9561% | 5,427 |
| Net loans and leases to total assets | 77.5872% | 1,222 |
| Net loans and leases to deposits | 89.6706% | 1,954 |
| Net loans and leases to core deposits | 92.1678% | 3,086 |
| Total domestic deposits to total assets | 86.5247% | 2,883 |
| Equity capital to assets | 10.3698% | 3,382 |
| Core capital (leverage) ratio | 10.0042% | 3,157 |
| Tier 1 risk-based capital ratio | 16.3474% | 2,508 |
| Total risk-based capital ratio | 17.5984% | 2,470 |
| Memoranda: | ||
| Average total assets | $439,582,500 | 1,595 |
| Average earning assets | $410,565,000 | 1,543 |
| Average equity | $40,917,000 | 1,634 |
| Average total loans | $350,269,500 | 1,350 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.0908% | 76 |
| Cost of funding earning assets | 1.6881% | 4,575 |
| Net interest margin | 6.4027% | 80 |
| Noninterest income to average assets | 0.8963% | 1,955 |
| Noninterest expense to average assets | 2.9964% | 4,157 |
| Loan and lease loss provision to assets | 3.9738% | 344 |
| Net operating income to assets | -0.0858% | 5,654 |
| Return on assets (ROA) | -0.0858% | 5,666 |
| Pretax return on assets | -0.1615% | 5,663 |
| Return on Equity (ROE) | -1.0882% | 5,702 |
| Retained earnings to average equity (ytd only) | -5.7331% | 6,113 |
| Net charge-offs to loans | 3.3108% | 606 |
| Credit loss provision to net charge-offs | 148.1938% | 3,163 |
| Earnings coverage of net charge-offs (x) | 1.4217% | 4,705 |
| Efficiency ratio | 44.0081% | 7,776 |
| Assets per employee ($millions) | 3.5331% | 4,938 |
| Cash dividends to net income (ytd only)* | -426.8293% | 7,981 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9963% | 363 |
| Loan loss allowance to noncurrent loans | 166.7323% | 1,752 |
| Noncurrent assets plus other real estate owned to assets | 2.0904% | 3,286 |
| Noncurrent loans to loans | 2.3969% | 3,164 |
| Net loans and leases to total assets | 77.7019% | 1,444 |
| Net loans and leases to deposits | 89.2619% | 2,345 |
| Net loans and leases to core deposits | 105.9508% | 3,342 |
| Total domestic deposits to total assets | 87.0493% | 2,475 |
| Equity capital to assets | 8.2732% | 6,232 |
| Core capital (leverage) ratio | 7.8701% | 6,356 |
| Tier 1 risk-based capital ratio | 10.1602% | 6,723 |
| Total risk-based capital ratio | 11.4457% | 6,663 |
| Memoranda: | ||
| Average total assets | $477,975,800 | 1,450 |
| Average earning assets | $441,378,400 | 1,430 |
| Average equity | $37,676,200 | 1,780 |
| Average total loans | $387,123,000 | 1,245 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.8199% | 98 |
| Cost of funding earning assets | 1.8131% | 4,323 |
| Net interest margin | 6.0069% | 110 |
| Noninterest income to average assets | 0.8798% | 2,060 |
| Noninterest expense to average assets | 2.9322% | 4,305 |
| Loan and lease loss provision to assets | 3.5558% | 364 |
| Net operating income to assets | -0.0225% | 5,745 |
| Return on assets (ROA) | -0.0225% | 5,807 |
| Pretax return on assets | -0.0603% | 5,798 |
| Return on Equity (ROE) | -0.2886% | 5,824 |
| Retained earnings to average equity (ytd only) | -0.2886% | 5,286 |
| Net charge-offs to loans | 3.0689% | 526 |
| Credit loss provision to net charge-offs | 143.0336% | 3,422 |
| Earnings coverage of net charge-offs (x) | 1.4061% | 4,728 |
| Efficiency ratio | 45.6182% | 7,785 |
| Assets per employee ($millions) | 3.5601% | 4,785 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2447% | 535 |
| Loan loss allowance to noncurrent loans | 146.8209% | 1,934 |
| Noncurrent assets plus other real estate owned to assets | 2.0046% | 3,341 |
| Noncurrent loans to loans | 2.2100% | 3,366 |
| Net loans and leases to total assets | 79.3284% | 1,318 |
| Net loans and leases to deposits | 91.1387% | 2,371 |
| Net loans and leases to core deposits | 110.6351% | 3,172 |
| Total domestic deposits to total assets | 87.0414% | 2,164 |
| Equity capital to assets | 8.5254% | 6,222 |
| Core capital (leverage) ratio | 7.9860% | 6,384 |
| Tier 1 risk-based capital ratio | 10.2877% | 6,697 |
| Total risk-based capital ratio | 11.5634% | 6,610 |
| Memoranda: | ||
| Average total assets | $486,176,750 | 1,434 |
| Average earning assets | $449,029,000 | 1,426 |
| Average equity | $37,887,750 | 1,796 |
| Average total loans | $393,827,250 | 1,236 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4182% | 174 |
| Cost of funding earning assets | 1.9620% | 3,952 |
| Net interest margin | 5.4562% | 190 |
| Noninterest income to average assets | 0.8204% | 2,314 |
| Noninterest expense to average assets | 2.9037% | 4,488 |
| Loan and lease loss provision to assets | 3.3473% | 436 |
| Net operating income to assets | -0.2454% | 6,256 |
| Return on assets (ROA) | -0.2454% | 6,270 |
| Pretax return on assets | -0.4038% | 6,330 |
| Return on Equity (ROE) | -3.2422% | 6,392 |
| Retained earnings to average equity (ytd only) | -3.2422% | 6,007 |
| Net charge-offs to loans | 2.7626% | 604 |
| Credit loss provision to net charge-offs | 150.1356% | 3,066 |
| Earnings coverage of net charge-offs (x) | 1.3203% | 4,533 |
| Efficiency ratio | 49.6589% | 7,687 |
| Assets per employee ($millions) | 3.4910% | 4,837 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8476% | 650 |
| Loan loss allowance to noncurrent loans | 143.5884% | 2,054 |
| Noncurrent assets plus other real estate owned to assets | 1.8046% | 3,465 |
| Noncurrent loans to loans | 1.9832% | 3,550 |
| Net loans and leases to total assets | 77.8718% | 1,773 |
| Net loans and leases to deposits | 88.1413% | 3,146 |
| Net loans and leases to core deposits | 108.3226% | 3,573 |
| Total domestic deposits to total assets | 88.3488% | 1,596 |
| Equity capital to assets | 7.9205% | 6,847 |
| Core capital (leverage) ratio | 7.3904% | 7,143 |
| Tier 1 risk-based capital ratio | 9.7244% | 7,208 |
| Total risk-based capital ratio | 10.9947% | 7,129 |
| Memoranda: | ||
| Average total assets | $496,336,330 | 1,426 |
| Average earning assets | $457,282,000 | 1,410 |
| Average equity | $37,567,000 | 1,814 |
| Average total loans | $400,562,670 | 1,240 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0866% | 291 |
| Cost of funding earning assets | 2.1115% | 3,595 |
| Net interest margin | 4.9751% | 424 |
| Noninterest income to average assets | 0.7903% | 2,383 |
| Noninterest expense to average assets | 2.8712% | 4,259 |
| Loan and lease loss provision to assets | 3.2731% | 326 |
| Net operating income to assets | -0.4988% | 6,873 |
| Return on assets (ROA) | -0.4988% | 6,927 |
| Pretax return on assets | -0.7934% | 7,032 |
| Return on Equity (ROE) | -6.7397% | 7,125 |
| Retained earnings to average equity (ytd only) | -6.7397% | 6,766 |
| Net charge-offs to loans | 2.5132% | 554 |
| Credit loss provision to net charge-offs | 160.8509% | 2,635 |
| Earnings coverage of net charge-offs (x) | 1.2186% | 4,144 |
| Efficiency ratio | 53.6589% | 7,254 |
| Assets per employee ($millions) | 3.6325% | 4,501 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3248% | 916 |
| Loan loss allowance to noncurrent loans | 142.0625% | 2,259 |
| Noncurrent assets plus other real estate owned to assets | 1.5696% | 3,574 |
| Noncurrent loans to loans | 1.6365% | 3,821 |
| Net loans and leases to total assets | 80.8074% | 1,237 |
| Net loans and leases to deposits | 92.8268% | 2,464 |
| Net loans and leases to core deposits | 115.8645% | 2,815 |
| Total domestic deposits to total assets | 87.0518% | 2,189 |
| Equity capital to assets | 7.4811% | 7,365 |
| Core capital (leverage) ratio | 7.3044% | 7,378 |
| Tier 1 risk-based capital ratio | 9.4239% | 7,494 |
| Total risk-based capital ratio | 10.6893% | 7,432 |
| Memoranda: | ||
| Average total assets | $503,624,000 | 1,408 |
| Average earning assets | $461,663,000 | 1,409 |
| Average equity | $37,271,500 | 1,831 |
| Average total loans | $407,768,000 | 1,237 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3512% | 542 |
| Cost of funding earning assets | 2.4744% | 4,337 |
| Net interest margin | 4.8768% | 660 |
| Noninterest income to average assets | 0.9213% | 1,885 |
| Noninterest expense to average assets | 2.8461% | 4,620 |
| Loan and lease loss provision to assets | 2.3679% | 460 |
| Net operating income to assets | 0.1899% | 5,880 |
| Return on assets (ROA) | 0.1899% | 5,700 |
| Pretax return on assets | 0.2597% | 5,608 |
| Return on Equity (ROE) | 2.4923% | 5,419 |
| Retained earnings to average equity (ytd only) | -0.2256% | 5,352 |
| Net charge-offs to loans | 1.9498% | 560 |
| Credit loss provision to net charge-offs | 149.7707% | 3,516 |
| Earnings coverage of net charge-offs (x) | 1.6620% | 5,255 |
| Efficiency ratio | 51.9961% | 7,490 |
| Assets per employee ($millions) | 3.3925% | 4,964 |
| Cash dividends to net income (ytd only)* | 109.0513% | 821 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0825% | 1,099 |
| Loan loss allowance to noncurrent loans | 152.1466% | 2,431 |
| Noncurrent assets plus other real estate owned to assets | 1.2898% | 3,644 |
| Noncurrent loans to loans | 1.3688% | 3,780 |
| Net loans and leases to total assets | 77.5193% | 2,259 |
| Net loans and leases to deposits | 89.1429% | 3,614 |
| Net loans and leases to core deposits | 108.5184% | 3,907 |
| Total domestic deposits to total assets | 86.9606% | 1,952 |
| Equity capital to assets | 7.3187% | 7,538 |
| Core capital (leverage) ratio | 7.1326% | 7,587 |
| Tier 1 risk-based capital ratio | 8.8957% | 7,846 |
| Total risk-based capital ratio | 10.1556% | 7,868 |
| Memoranda: | ||
| Average total assets | $482,800,200 | 1,420 |
| Average earning assets | $450,687,200 | 1,379 |
| Average equity | $36,793,000 | 1,842 |
| Average total loans | $391,467,200 | 1,237 |