Home > First National Bank & Trust Company of Columbus > Performance and Condition Ratios
First National Bank & Trust Company of Columbus, 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 | 3.4879% | 5,667 |
| Cost of funding earning assets | 0.1990% | 6,302 |
| Net interest margin | 3.2889% | 4,706 |
| Noninterest income to average assets | 0.5663% | 3,291 |
| Noninterest expense to average assets | 2.4549% | 4,910 |
| Loan and lease loss provision to assets | -0.0308% | 6,328 |
| Net operating income to assets | 0.8092% | 3,248 |
| Return on assets (ROA) | 0.8396% | 3,168 |
| Pretax return on assets | 1.2826% | 2,225 |
| Return on Equity (ROE) | 11.3291% | 1,662 |
| Retained earnings to average equity (ytd only) | -6.8849% | 6,456 |
| Net charge-offs to loans | 0.0284% | 4,856 |
| Credit loss provision to net charge-offs | -157.4713% | 5,957 |
| Earnings coverage of net charge-offs (x) | 61.5632% | 674 |
| Efficiency ratio | 67.0765% | 4,360 |
| Assets per employee ($millions) | 4.6126% | 2,704 |
| Cash dividends to net income (ytd only)* | 160.7717% | 135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8707% | 6,004 |
| Loan loss allowance to noncurrent loans | 256.9316% | 1,693 |
| Noncurrent assets plus other real estate owned to assets | 0.2418% | 5,553 |
| Noncurrent loans to loans | 0.3389% | 5,172 |
| Net loans and leases to total assets | 70.7403% | 1,894 |
| Net loans and leases to deposits | 81.6748% | 2,225 |
| Net loans and leases to core deposits | 83.1810% | 2,756 |
| Total domestic deposits to total assets | 86.6122% | 2,930 |
| Equity capital to assets | 6.9087% | 6,481 |
| Core capital (leverage) ratio | 7.0851% | 6,508 |
| Tier 1 risk-based capital ratio | 10.7979% | 6,265 |
| Total risk-based capital ratio | 11.7758% | 6,316 |
| Memoranda: | ||
| Average total assets | $444,500,400 | 1,492 |
| Average earning assets | $418,100,600 | 1,458 |
| Average equity | $32,941,600 | 2,084 |
| Average total loans | $306,653,800 | 1,383 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4727% | 5,747 |
| Cost of funding earning assets | 0.2007% | 6,397 |
| Net interest margin | 3.2719% | 4,743 |
| Noninterest income to average assets | 0.5832% | 3,256 |
| Noninterest expense to average assets | 2.4532% | 4,866 |
| Loan and lease loss provision to assets | -0.0541% | 6,556 |
| Net operating income to assets | 0.8283% | 3,204 |
| Return on assets (ROA) | 0.8689% | 3,106 |
| Pretax return on assets | 1.3268% | 2,225 |
| Return on Equity (ROE) | 11.5276% | 1,647 |
| Retained earnings to average equity (ytd only) | -5.4130% | 6,514 |
| Net charge-offs to loans | 0.0316% | 4,498 |
| Credit loss provision to net charge-offs | -250.0000% | 5,937 |
| Earnings coverage of net charge-offs (x) | 55.9430% | 799 |
| Efficiency ratio | 66.9647% | 4,311 |
| Assets per employee ($millions) | 4.4421% | 2,977 |
| Cash dividends to net income (ytd only)* | 146.9574% | 139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8779% | 6,113 |
| Loan loss allowance to noncurrent loans | 258.1614% | 1,577 |
| Noncurrent assets plus other real estate owned to assets | 0.2400% | 5,724 |
| Noncurrent loans to loans | 0.3400% | 5,369 |
| Net loans and leases to total assets | 69.9534% | 1,979 |
| Net loans and leases to deposits | 81.1940% | 2,243 |
| Net loans and leases to core deposits | 82.0349% | 2,871 |
| Total domestic deposits to total assets | 86.1559% | 3,160 |
| Equity capital to assets | 7.2470% | 6,480 |
| Core capital (leverage) ratio | 7.3683% | 6,490 |
| Tier 1 risk-based capital ratio | 11.3990% | 6,103 |
| Total risk-based capital ratio | 12.3925% | 6,184 |
| Memoranda: | ||
| Average total assets | $443,770,250 | 1,499 |
| Average earning assets | $417,767,250 | 1,466 |
| Average equity | $33,449,250 | 2,082 |
| Average total loans | $303,495,500 | 1,395 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4447% | 5,804 |
| Cost of funding earning assets | 0.2029% | 6,460 |
| Net interest margin | 3.2418% | 4,798 |
| Noninterest income to average assets | 0.5816% | 3,308 |
| Noninterest expense to average assets | 2.4512% | 4,893 |
| Loan and lease loss provision to assets | -0.0920% | 6,701 |
| Net operating income to assets | 0.8367% | 3,116 |
| Return on assets (ROA) | 0.8976% | 2,955 |
| Pretax return on assets | 1.3705% | 2,037 |
| Return on Equity (ROE) | 11.7573% | 1,565 |
| Retained earnings to average equity (ytd only) | -1.5295% | 6,129 |
| Net charge-offs to loans | 0.0326% | 4,228 |
| Credit loss provision to net charge-offs | -416.3265% | 5,876 |
| Earnings coverage of net charge-offs (x) | 53.6327% | 763 |
| Efficiency ratio | 67.4148% | 4,281 |
| Assets per employee ($millions) | 4.4211% | 2,940 |
| Cash dividends to net income (ytd only)* | 113.0085% | 403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8937% | 6,150 |
| Loan loss allowance to noncurrent loans | 256.3840% | 1,609 |
| Noncurrent assets plus other real estate owned to assets | 0.2749% | 5,666 |
| Noncurrent loans to loans | 0.3486% | 5,419 |
| Net loans and leases to total assets | 69.6993% | 1,937 |
| Net loans and leases to deposits | 81.6339% | 2,100 |
| Net loans and leases to core deposits | 82.0813% | 2,791 |
| Total domestic deposits to total assets | 85.3804% | 3,711 |
| Equity capital to assets | 7.5889% | 6,412 |
| Core capital (leverage) ratio | 7.5548% | 6,434 |
| Tier 1 risk-based capital ratio | 12.0567% | 5,764 |
| Total risk-based capital ratio | 13.0710% | 5,852 |
| Memoranda: | ||
| Average total assets | $443,623,670 | 1,495 |
| Average earning assets | $417,977,330 | 1,462 |
| Average equity | $33,868,330 | 2,056 |
| Average total loans | $300,163,330 | 1,406 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4124% | 5,916 |
| Cost of funding earning assets | 0.2090% | 6,532 |
| Net interest margin | 3.2033% | 4,927 |
| Noninterest income to average assets | 0.6064% | 3,098 |
| Noninterest expense to average assets | 2.4694% | 4,869 |
| Loan and lease loss provision to assets | -0.1675% | 6,885 |
| Net operating income to assets | 0.8578% | 2,873 |
| Return on assets (ROA) | 0.9808% | 2,441 |
| Pretax return on assets | 1.4967% | 1,564 |
| Return on Equity (ROE) | 12.8091% | 1,212 |
| Retained earnings to average equity (ytd only) | -1.8132% | 6,058 |
| Net charge-offs to loans | 0.0148% | 3,851 |
| Credit loss provision to net charge-offs | -1,700.0000% | 5,740 |
| Earnings coverage of net charge-offs (x) | 116.0000% | 333 |
| Efficiency ratio | 68.3610% | 4,243 |
| Assets per employee ($millions) | 4.4355% | 3,085 |
| Cash dividends to net income (ytd only)* | 114.1553% | 532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9254% | 6,197 |
| Loan loss allowance to noncurrent loans | 2,357.9832% | 228 |
| Noncurrent assets plus other real estate owned to assets | 0.0567% | 6,434 |
| Noncurrent loans to loans | 0.0392% | 6,370 |
| Net loans and leases to total assets | 68.4107% | 1,937 |
| Net loans and leases to deposits | 77.6361% | 2,392 |
| Net loans and leases to core deposits | 77.8456% | 3,091 |
| Total domestic deposits to total assets | 88.1171% | 2,246 |
| Equity capital to assets | 7.7520% | 6,500 |
| Core capital (leverage) ratio | 7.4740% | 6,483 |
| Tier 1 risk-based capital ratio | 12.4516% | 5,609 |
| Total risk-based capital ratio | 13.5190% | 5,697 |
| Memoranda: | ||
| Average total assets | $446,589,000 | 1,499 |
| Average earning assets | $419,063,500 | 1,473 |
| Average equity | $34,194,500 | 2,063 |
| Average total loans | $296,335,000 | 1,431 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7475% | 5,954 |
| Cost of funding earning assets | 0.3067% | 6,420 |
| Net interest margin | 3.4408% | 4,738 |
| Noninterest income to average assets | 0.5560% | 3,535 |
| Noninterest expense to average assets | 2.3386% | 5,595 |
| Loan and lease loss provision to assets | 0.0464% | 5,256 |
| Net operating income to assets | 0.9025% | 2,806 |
| Return on assets (ROA) | 0.9025% | 3,042 |
| Pretax return on assets | 1.3619% | 2,170 |
| Return on Equity (ROE) | 11.5368% | 1,642 |
| Retained earnings to average equity (ytd only) | 4.9934% | 2,710 |
| Net charge-offs to loans | 0.0144% | 5,709 |
| Credit loss provision to net charge-offs | 497.5610% | 492 |
| Earnings coverage of net charge-offs (x) | 150.9756% | 279 |
| Efficiency ratio | 62.4142% | 5,183 |
| Assets per employee ($millions) | 4.6333% | 2,727 |
| Cash dividends to net income (ytd only)* | 56.7179% | 1,968 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0378% | 5,818 |
| Loan loss allowance to noncurrent loans | 1,061.4841% | 445 |
| Noncurrent assets plus other real estate owned to assets | 0.0623% | 6,460 |
| Noncurrent loans to loans | 0.0978% | 6,244 |
| Net loans and leases to total assets | 63.0878% | 3,042 |
| Net loans and leases to deposits | 71.0169% | 3,559 |
| Net loans and leases to core deposits | 71.2005% | 4,142 |
| Total domestic deposits to total assets | 88.8349% | 1,683 |
| Equity capital to assets | 7.5647% | 6,610 |
| Core capital (leverage) ratio | 7.6815% | 6,417 |
| Tier 1 risk-based capital ratio | 11.9545% | 5,820 |
| Total risk-based capital ratio | 13.0432% | 5,880 |
| Memoranda: | ||
| Average total assets | $439,545,600 | 1,501 |
| Average earning assets | $407,609,400 | 1,480 |
| Average equity | $34,385,600 | 2,013 |
| Average total loans | $284,181,200 | 1,471 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8316% | 5,948 |
| Cost of funding earning assets | 0.3288% | 6,473 |
| Net interest margin | 3.5028% | 4,632 |
| Noninterest income to average assets | 0.5521% | 3,599 |
| Noninterest expense to average assets | 2.3496% | 5,544 |
| Loan and lease loss provision to assets | -0.0336% | 6,978 |
| Net operating income to assets | 0.9895% | 2,563 |
| Return on assets (ROA) | 0.9895% | 2,787 |
| Pretax return on assets | 1.4947% | 1,904 |
| Return on Equity (ROE) | 12.5404% | 1,451 |
| Retained earnings to average equity (ytd only) | 12.5404% | 437 |
| Net charge-offs to loans | 0.0080% | 5,611 |
| Credit loss provision to net charge-offs | -647.0588% | 6,480 |
| Earnings coverage of net charge-offs (x) | 280.9515% | 164 |
| Efficiency ratio | 61.6582% | 5,209 |
| Assets per employee ($millions) | 4.7182% | 2,576 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9818% | 6,150 |
| Loan loss allowance to noncurrent loans | 1,043.8462% | 418 |
| Noncurrent assets plus other real estate owned to assets | 0.0574% | 6,608 |
| Noncurrent loans to loans | 0.0941% | 6,383 |
| Net loans and leases to total assets | 60.4318% | 3,687 |
| Net loans and leases to deposits | 71.3429% | 3,696 |
| Net loans and leases to core deposits | 72.1019% | 4,238 |
| Total domestic deposits to total assets | 84.7061% | 3,883 |
| Equity capital to assets | 7.9484% | 6,617 |
| Core capital (leverage) ratio | 8.0585% | 6,280 |
| Tier 1 risk-based capital ratio | 13.4552% | 4,906 |
| Total risk-based capital ratio | 14.5157% | 5,011 |
| Memoranda: | ||
| Average total assets | $435,915,250 | 1,525 |
| Average earning assets | $405,533,750 | 1,506 |
| Average equity | $34,394,750 | 2,027 |
| Average total loans | $282,860,250 | 1,490 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8709% | 5,985 |
| Cost of funding earning assets | 0.3551% | 6,491 |
| Net interest margin | 3.5157% | 4,602 |
| Noninterest income to average assets | 0.5555% | 3,554 |
| Noninterest expense to average assets | 2.3373% | 5,644 |
| Loan and lease loss provision to assets | -0.0614% | 7,087 |
| Net operating income to assets | 1.0264% | 2,352 |
| Return on assets (ROA) | 1.0264% | 2,576 |
| Pretax return on assets | 1.5517% | 1,705 |
| Return on Equity (ROE) | 13.0423% | 1,355 |
| Retained earnings to average equity (ytd only) | 13.0423% | 435 |
| Net charge-offs to loans | -0.0204% | 6,435 |
| Credit loss provision to net charge-offs | 455.1724% | 655 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0639% | 5,415 |
| Assets per employee ($millions) | 4.4889% | 2,923 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9724% | 6,252 |
| Loan loss allowance to noncurrent loans | 1,222.3214% | 353 |
| Noncurrent assets plus other real estate owned to assets | 0.0520% | 6,694 |
| Noncurrent loans to loans | 0.0796% | 6,464 |
| Net loans and leases to total assets | 64.7036% | 2,887 |
| Net loans and leases to deposits | 73.3333% | 3,405 |
| Net loans and leases to core deposits | 74.1628% | 4,010 |
| Total domestic deposits to total assets | 88.2323% | 2,002 |
| Equity capital to assets | 8.1124% | 6,509 |
| Core capital (leverage) ratio | 7.7410% | 6,493 |
| Tier 1 risk-based capital ratio | 13.1613% | 5,071 |
| Total risk-based capital ratio | 14.2405% | 5,170 |
| Memoranda: | ||
| Average total assets | $430,239,000 | 1,548 |
| Average earning assets | $400,427,000 | 1,526 |
| Average equity | $33,859,000 | 2,044 |
| Average total loans | $285,001,670 | 1,482 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8839% | 6,053 |
| Cost of funding earning assets | 0.3846% | 6,487 |
| Net interest margin | 3.4993% | 4,706 |
| Noninterest income to average assets | 0.5378% | 3,642 |
| Noninterest expense to average assets | 2.3355% | 5,675 |
| Loan and lease loss provision to assets | -0.0884% | 7,174 |
| Net operating income to assets | 0.9965% | 2,494 |
| Return on assets (ROA) | 0.9965% | 2,685 |
| Pretax return on assets | 1.5074% | 1,851 |
| Return on Equity (ROE) | 12.8614% | 1,445 |
| Retained earnings to average equity (ytd only) | 12.8614% | 705 |
| Net charge-offs to loans | -0.0181% | 6,149 |
| Credit loss provision to net charge-offs | 730.7692% | 483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2057% | 5,238 |
| Assets per employee ($millions) | 4.6872% | 2,682 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9662% | 6,371 |
| Loan loss allowance to noncurrent loans | 816.2722% | 462 |
| Noncurrent assets plus other real estate owned to assets | 0.0759% | 6,696 |
| Noncurrent loans to loans | 0.1184% | 6,457 |
| Net loans and leases to total assets | 63.5062% | 2,950 |
| Net loans and leases to deposits | 73.8946% | 3,129 |
| Net loans and leases to core deposits | 74.8166% | 3,779 |
| Total domestic deposits to total assets | 85.9417% | 3,559 |
| Equity capital to assets | 7.6088% | 6,733 |
| Core capital (leverage) ratio | 7.6937% | 6,495 |
| Tier 1 risk-based capital ratio | 12.7246% | 5,419 |
| Total risk-based capital ratio | 13.8123% | 5,520 |
| Memoranda: | ||
| Average total assets | $429,891,500 | 1,553 |
| Average earning assets | $395,169,500 | 1,537 |
| Average equity | $33,309,000 | 2,077 |
| Average total loans | $286,718,500 | 1,482 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3101% | 5,732 |
| Cost of funding earning assets | 0.5163% | 6,465 |
| Net interest margin | 3.7939% | 3,849 |
| Noninterest income to average assets | 0.7116% | 2,539 |
| Noninterest expense to average assets | 2.6609% | 4,885 |
| Loan and lease loss provision to assets | 0.0752% | 5,669 |
| Net operating income to assets | 1.0112% | 2,160 |
| Return on assets (ROA) | 1.1017% | 1,941 |
| Pretax return on assets | 1.6624% | 1,073 |
| Return on Equity (ROE) | 14.0717% | 910 |
| Retained earnings to average equity (ytd only) | 4.5937% | 2,909 |
| Net charge-offs to loans | 0.0380% | 5,936 |
| Credit loss provision to net charge-offs | 295.1456% | 800 |
| Earnings coverage of net charge-offs (x) | 62.8252% | 467 |
| Efficiency ratio | 62.4412% | 5,389 |
| Assets per employee ($millions) | 4.1039% | 3,636 |
| Cash dividends to net income (ytd only)* | 67.3552% | 1,255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9868% | 6,282 |
| Loan loss allowance to noncurrent loans | 465.7377% | 731 |
| Noncurrent assets plus other real estate owned to assets | 0.1474% | 6,586 |
| Noncurrent loans to loans | 0.2119% | 6,319 |
| Net loans and leases to total assets | 68.7707% | 2,257 |
| Net loans and leases to deposits | 80.5997% | 2,416 |
| Net loans and leases to core deposits | 81.8074% | 3,206 |
| Total domestic deposits to total assets | 85.3239% | 3,677 |
| Equity capital to assets | 7.8980% | 6,636 |
| Core capital (leverage) ratio | 7.8453% | 6,405 |
| Tier 1 risk-based capital ratio | 12.4984% | 5,450 |
| Total risk-based capital ratio | 13.6359% | 5,521 |
| Memoranda: | ||
| Average total assets | $404,298,800 | 1,606 |
| Average earning assets | $378,294,200 | 1,569 |
| Average equity | $31,652,200 | 2,098 |
| Average total loans | $271,084,400 | 1,561 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3954% | 5,618 |
| Cost of funding earning assets | 0.5423% | 6,540 |
| Net interest margin | 3.8530% | 3,596 |
| Noninterest income to average assets | 0.7288% | 2,426 |
| Noninterest expense to average assets | 2.6795% | 4,805 |
| Loan and lease loss provision to assets | -0.0116% | 7,302 |
| Net operating income to assets | 1.1066% | 1,943 |
| Return on assets (ROA) | 1.2279% | 1,685 |
| Pretax return on assets | 1.8568% | 848 |
| Return on Equity (ROE) | 15.7204% | 714 |
| Retained earnings to average equity (ytd only) | 2.9741% | 4,573 |
| Net charge-offs to loans | 0.0240% | 5,811 |
| Credit loss provision to net charge-offs | -72.9167% | 6,494 |
| Earnings coverage of net charge-offs (x) | 104.2891% | 347 |
| Efficiency ratio | 61.7278% | 5,456 |
| Assets per employee ($millions) | 4.0835% | 3,668 |
| Cash dividends to net income (ytd only)* | 81.0811% | 590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9359% | 6,497 |
| Loan loss allowance to noncurrent loans | 412.4194% | 776 |
| Noncurrent assets plus other real estate owned to assets | 0.1518% | 6,667 |
| Noncurrent loans to loans | 0.2269% | 6,418 |
| Net loans and leases to total assets | 66.2786% | 2,833 |
| Net loans and leases to deposits | 78.4858% | 2,890 |
| Net loans and leases to core deposits | 79.7245% | 3,681 |
| Total domestic deposits to total assets | 84.4466% | 4,033 |
| Equity capital to assets | 7.8558% | 6,776 |
| Core capital (leverage) ratio | 7.7642% | 6,591 |
| Tier 1 risk-based capital ratio | 12.9610% | 5,126 |
| Total risk-based capital ratio | 14.0480% | 5,234 |
| Memoranda: | ||
| Average total assets | $401,749,500 | 1,621 |
| Average earning assets | $376,629,000 | 1,588 |
| Average equity | $31,381,000 | 2,113 |
| Average total loans | $266,882,250 | 1,591 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4696% | 5,453 |
| Cost of funding earning assets | 0.5644% | 6,609 |
| Net interest margin | 3.9051% | 3,285 |
| Noninterest income to average assets | 0.7148% | 2,461 |
| Noninterest expense to average assets | 2.7241% | 4,726 |
| Loan and lease loss provision to assets | -0.0551% | 7,398 |
| Net operating income to assets | 1.1254% | 1,801 |
| Return on assets (ROA) | 1.3025% | 1,389 |
| Pretax return on assets | 1.9712% | 624 |
| Return on Equity (ROE) | 16.7072% | 581 |
| Retained earnings to average equity (ytd only) | -2.5555% | 6,318 |
| Net charge-offs to loans | 0.0264% | 5,452 |
| Credit loss provision to net charge-offs | -314.2857% | 6,443 |
| Earnings coverage of net charge-offs (x) | 94.0571% | 381 |
| Efficiency ratio | 62.3082% | 5,543 |
| Assets per employee ($millions) | 3.8544% | 4,081 |
| Cash dividends to net income (ytd only)* | 115.2959% | 323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9435% | 6,535 |
| Loan loss allowance to noncurrent loans | 937.9699% | 393 |
| Noncurrent assets plus other real estate owned to assets | 0.0683% | 6,930 |
| Noncurrent loans to loans | 0.1006% | 6,723 |
| Net loans and leases to total assets | 67.2870% | 2,764 |
| Net loans and leases to deposits | 77.5986% | 3,201 |
| Net loans and leases to core deposits | 79.0415% | 3,925 |
| Total domestic deposits to total assets | 86.7116% | 2,913 |
| Equity capital to assets | 7.9382% | 6,723 |
| Core capital (leverage) ratio | 7.3064% | 6,861 |
| Tier 1 risk-based capital ratio | 12.8850% | 5,012 |
| Total risk-based capital ratio | 13.9790% | 5,127 |
| Memoranda: | ||
| Average total assets | $399,549,670 | 1,645 |
| Average earning assets | $374,174,670 | 1,610 |
| Average equity | $31,148,330 | 2,116 |
| Average total loans | $264,774,670 | 1,629 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3936% | 5,716 |
| Cost of funding earning assets | 0.5821% | 6,684 |
| Net interest margin | 3.8115% | 3,559 |
| Noninterest income to average assets | 0.7127% | 2,497 |
| Noninterest expense to average assets | 2.8161% | 4,378 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.9766% | 2,257 |
| Return on assets (ROA) | 0.9766% | 2,318 |
| Pretax return on assets | 1.4757% | 1,516 |
| Return on Equity (ROE) | 12.6379% | 1,291 |
| Retained earnings to average equity (ytd only) | 12.6379% | 649 |
| Net charge-offs to loans | 0.0317% | 4,655 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 71.0952% | 432 |
| Efficiency ratio | 65.6149% | 5,101 |
| Assets per employee ($millions) | 3.8730% | 4,133 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0335% | 6,274 |
| Loan loss allowance to noncurrent loans | 842.1222% | 428 |
| Noncurrent assets plus other real estate owned to assets | 0.0765% | 6,975 |
| Noncurrent loans to loans | 0.1227% | 6,742 |
| Net loans and leases to total assets | 61.6723% | 3,931 |
| Net loans and leases to deposits | 69.9059% | 4,353 |
| Net loans and leases to core deposits | 71.1295% | 4,913 |
| Total domestic deposits to total assets | 88.2219% | 2,249 |
| Equity capital to assets | 7.7968% | 6,680 |
| Core capital (leverage) ratio | 7.6352% | 6,620 |
| Tier 1 risk-based capital ratio | 13.3594% | 4,537 |
| Total risk-based capital ratio | 14.4934% | 4,604 |
| Memoranda: | ||
| Average total assets | $404,677,000 | 1,632 |
| Average earning assets | $380,004,000 | 1,594 |
| Average equity | $31,271,000 | 2,095 |
| Average total loans | $264,942,000 | 1,642 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9276% | 4,887 |
| Cost of funding earning assets | 0.7520% | 6,729 |
| Net interest margin | 4.1756% | 2,276 |
| Noninterest income to average assets | 0.7401% | 2,592 |
| Noninterest expense to average assets | 2.7197% | 4,903 |
| Loan and lease loss provision to assets | 0.0564% | 6,576 |
| Net operating income to assets | 1.2507% | 1,293 |
| Return on assets (ROA) | 1.2982% | 1,234 |
| Pretax return on assets | 1.9603% | 529 |
| Return on Equity (ROE) | 14.8867% | 734 |
| Retained earnings to average equity (ytd only) | -22.4881% | 7,061 |
| Net charge-offs to loans | 0.0692% | 6,108 |
| Credit loss provision to net charge-offs | 109.7561% | 4,018 |
| Earnings coverage of net charge-offs (x) | 37.8390% | 611 |
| Efficiency ratio | 58.3069% | 6,306 |
| Assets per employee ($millions) | 3.7989% | 4,259 |
| Cash dividends to net income (ytd only)* | 251.0622% | 93 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9549% | 6,554 |
| Loan loss allowance to noncurrent loans | 1,233.6449% | 304 |
| Noncurrent assets plus other real estate owned to assets | 0.0594% | 7,077 |
| Noncurrent loans to loans | 0.0774% | 6,938 |
| Net loans and leases to total assets | 67.9993% | 2,980 |
| Net loans and leases to deposits | 77.6717% | 3,562 |
| Net loans and leases to core deposits | 79.2014% | 4,318 |
| Total domestic deposits to total assets | 87.5471% | 2,518 |
| Equity capital to assets | 7.6574% | 6,775 |
| Core capital (leverage) ratio | 7.6101% | 6,614 |
| Tier 1 risk-based capital ratio | 12.5008% | 5,023 |
| Total risk-based capital ratio | 13.6028% | 5,127 |
| Memoranda: | ||
| Average total assets | $398,870,400 | 1,656 |
| Average earning assets | $374,871,200 | 1,606 |
| Average equity | $34,782,800 | 1,903 |
| Average total loans | $296,427,400 | 1,513 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0161% | 4,737 |
| Cost of funding earning assets | 0.7900% | 6,790 |
| Net interest margin | 4.2261% | 2,117 |
| Noninterest income to average assets | 0.7251% | 2,677 |
| Noninterest expense to average assets | 2.7459% | 4,697 |
| Loan and lease loss provision to assets | 0.0285% | 6,782 |
| Net operating income to assets | 1.2704% | 1,410 |
| Return on assets (ROA) | 1.3339% | 1,347 |
| Pretax return on assets | 2.0171% | 601 |
| Return on Equity (ROE) | 14.8390% | 891 |
| Retained earnings to average equity (ytd only) | -33.6179% | 7,433 |
| Net charge-offs to loans | 0.0425% | 6,116 |
| Credit loss provision to net charge-offs | 88.5417% | 4,824 |
| Earnings coverage of net charge-offs (x) | 60.6027% | 481 |
| Efficiency ratio | 58.4814% | 6,190 |
| Assets per employee ($millions) | 3.7512% | 4,389 |
| Cash dividends to net income (ytd only)* | 326.5510% | 39 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9210% | 6,673 |
| Loan loss allowance to noncurrent loans | 408.9342% | 731 |
| Noncurrent assets plus other real estate owned to assets | 0.1575% | 6,962 |
| Noncurrent loans to loans | 0.2252% | 6,729 |
| Net loans and leases to total assets | 69.2795% | 2,907 |
| Net loans and leases to deposits | 78.7111% | 3,686 |
| Net loans and leases to core deposits | 80.2463% | 4,482 |
| Total domestic deposits to total assets | 88.0174% | 1,946 |
| Equity capital to assets | 7.4406% | 7,159 |
| Core capital (leverage) ratio | 7.2626% | 7,028 |
| Tier 1 risk-based capital ratio | 12.0555% | 5,411 |
| Total risk-based capital ratio | 13.1490% | 5,529 |
| Memoranda: | ||
| Average total assets | $397,916,750 | 1,683 |
| Average earning assets | $373,828,000 | 1,636 |
| Average equity | $35,769,750 | 1,869 |
| Average total loans | $301,418,500 | 1,507 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0985% | 4,463 |
| Cost of funding earning assets | 0.8234% | 6,837 |
| Net interest margin | 4.2751% | 1,869 |
| Noninterest income to average assets | 0.7454% | 2,428 |
| Noninterest expense to average assets | 2.7524% | 4,694 |
| Loan and lease loss provision to assets | 0.0278% | 6,668 |
| Net operating income to assets | 1.3110% | 1,279 |
| Return on assets (ROA) | 1.4068% | 1,141 |
| Pretax return on assets | 2.1324% | 461 |
| Return on Equity (ROE) | 14.7802% | 893 |
| Retained earnings to average equity (ytd only) | 14.7802% | 259 |
| Net charge-offs to loans | 0.0371% | 5,839 |
| Credit loss provision to net charge-offs | 96.4912% | 4,225 |
| Earnings coverage of net charge-offs (x) | 69.9123% | 449 |
| Efficiency ratio | 57.7323% | 6,414 |
| Assets per employee ($millions) | 3.6570% | 4,574 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8831% | 6,813 |
| Loan loss allowance to noncurrent loans | 425.6911% | 730 |
| Noncurrent assets plus other real estate owned to assets | 0.1557% | 6,996 |
| Noncurrent loans to loans | 0.2074% | 6,837 |
| Net loans and leases to total assets | 74.3989% | 1,827 |
| Net loans and leases to deposits | 86.6672% | 2,405 |
| Net loans and leases to core deposits | 88.4674% | 3,485 |
| Total domestic deposits to total assets | 85.8444% | 3,180 |
| Equity capital to assets | 10.5448% | 3,349 |
| Core capital (leverage) ratio | 9.9996% | 3,163 |
| Tier 1 risk-based capital ratio | 16.9249% | 2,310 |
| Total risk-based capital ratio | 18.0202% | 2,324 |
| Memoranda: | ||
| Average total assets | $395,512,330 | 1,703 |
| Average earning assets | $372,108,330 | 1,661 |
| Average equity | $37,645,000 | 1,768 |
| Average total loans | $307,464,330 | 1,491 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0485% | 4,791 |
| Cost of funding earning assets | 0.8506% | 6,937 |
| Net interest margin | 4.1979% | 2,049 |
| Noninterest income to average assets | 0.7287% | 2,411 |
| Noninterest expense to average assets | 2.7661% | 4,624 |
| Loan and lease loss provision to assets | 0.0303% | 6,373 |
| Net operating income to assets | 1.2164% | 1,494 |
| Return on assets (ROA) | 1.4078% | 1,128 |
| Pretax return on assets | 2.1425% | 461 |
| Return on Equity (ROE) | 15.6324% | 778 |
| Retained earnings to average equity (ytd only) | 15.6324% | 367 |
| Net charge-offs to loans | -0.0038% | 6,795 |
| Credit loss provision to net charge-offs | -1,000.0000% | 6,385 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5000% | 6,261 |
| Assets per employee ($millions) | 3.7151% | 4,539 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8752% | 6,910 |
| Loan loss allowance to noncurrent loans | 162.5613% | 1,723 |
| Noncurrent assets plus other real estate owned to assets | 0.4105% | 6,448 |
| Noncurrent loans to loans | 0.5384% | 6,213 |
| Net loans and leases to total assets | 74.8850% | 1,767 |
| Net loans and leases to deposits | 87.3590% | 2,342 |
| Net loans and leases to core deposits | 89.1458% | 3,477 |
| Total domestic deposits to total assets | 85.7211% | 3,298 |
| Equity capital to assets | 9.9595% | 3,918 |
| Core capital (leverage) ratio | 9.7116% | 3,503 |
| Tier 1 risk-based capital ratio | 16.4881% | 2,457 |
| Total risk-based capital ratio | 17.6088% | 2,462 |
| Memoranda: | ||
| Average total assets | $395,792,500 | 1,742 |
| Average earning assets | $369,615,500 | 1,705 |
| Average equity | $35,644,000 | 1,888 |
| Average total loans | $312,967,500 | 1,507 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.6735% | 53 |
| Cost of funding earning assets | 1.3494% | 6,144 |
| Net interest margin | 7.3241% | 45 |
| Noninterest income to average assets | 0.7933% | 2,436 |
| Noninterest expense to average assets | 2.7574% | 5,135 |
| Loan and lease loss provision to assets | 4.8450% | 211 |
| Net operating income to assets | -0.0149% | 5,514 |
| Return on assets (ROA) | -0.0149% | 5,564 |
| Pretax return on assets | -0.0552% | 5,526 |
| Return on Equity (ROE) | -0.1874% | 5,569 |
| Retained earnings to average equity (ytd only) | -3.3114% | 5,755 |
| Net charge-offs to loans | 3.7637% | 483 |
| Credit loss provision to net charge-offs | 154.6486% | 2,948 |
| Earnings coverage of net charge-offs (x) | 1.5289% | 4,601 |
| Efficiency ratio | 36.5352% | 7,897 |
| Assets per employee ($millions) | 3.6481% | 4,655 |
| Cash dividends to net income (ytd only)* | -1,666.6667% | 8,000 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3607% | 277 |
| Loan loss allowance to noncurrent loans | 217.1036% | 1,378 |
| Noncurrent assets plus other real estate owned to assets | 1.6934% | 3,825 |
| Noncurrent loans to loans | 2.0086% | 3,639 |
| Net loans and leases to total assets | 79.0931% | 1,161 |
| Net loans and leases to deposits | 89.8574% | 2,232 |
| Net loans and leases to core deposits | 97.6855% | 4,259 |
| Total domestic deposits to total assets | 88.0208% | 1,968 |
| Equity capital to assets | 8.0254% | 6,555 |
| Core capital (leverage) ratio | 7.7053% | 6,551 |
| Tier 1 risk-based capital ratio | 9.5832% | 7,174 |
| Total risk-based capital ratio | 10.8722% | 7,121 |
| Memoranda: | ||
| Average total assets | $402,370,200 | 1,705 |
| Average earning assets | $371,048,400 | 1,697 |
| Average equity | $32,010,200 | 2,089 |
| Average total loans | $334,936,000 | 1,438 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.3402% | 63 |
| Cost of funding earning assets | 1.4472% | 6,047 |
| Net interest margin | 6.8930% | 53 |
| Noninterest income to average assets | 0.7979% | 2,439 |
| Noninterest expense to average assets | 2.7799% | 4,973 |
| Loan and lease loss provision to assets | 4.1577% | 267 |
| Net operating income to assets | 0.1714% | 5,245 |
| Return on assets (ROA) | 0.1714% | 5,314 |
| Pretax return on assets | 0.2315% | 5,225 |
| Return on Equity (ROE) | 2.1586% | 5,109 |
| Retained earnings to average equity (ytd only) | 2.1586% | 4,119 |
| Net charge-offs to loans | 3.3608% | 458 |
| Credit loss provision to net charge-offs | 148.3860% | 3,251 |
| Earnings coverage of net charge-offs (x) | 1.5665% | 4,616 |
| Efficiency ratio | 38.7760% | 7,944 |
| Assets per employee ($millions) | 3.6413% | 4,569 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4204% | 453 |
| Loan loss allowance to noncurrent loans | 144.0764% | 1,965 |
| Noncurrent assets plus other real estate owned to assets | 1.9778% | 3,376 |
| Noncurrent loans to loans | 2.3740% | 3,176 |
| Net loans and leases to total assets | 80.4611% | 1,095 |
| Net loans and leases to deposits | 93.3475% | 1,992 |
| Net loans and leases to core deposits | 101.9161% | 4,164 |
| Total domestic deposits to total assets | 86.1952% | 2,592 |
| Equity capital to assets | 8.2440% | 6,577 |
| Core capital (leverage) ratio | 7.9845% | 6,386 |
| Tier 1 risk-based capital ratio | 9.8606% | 7,091 |
| Total risk-based capital ratio | 11.1380% | 7,030 |
| Memoranda: | ||
| Average total assets | $405,375,250 | 1,707 |
| Average earning assets | $374,687,750 | 1,693 |
| Average equity | $32,181,000 | 2,097 |
| Average total loans | $337,965,750 | 1,443 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.9382% | 98 |
| Cost of funding earning assets | 1.5488% | 5,931 |
| Net interest margin | 6.3894% | 75 |
| Noninterest income to average assets | 0.7687% | 2,595 |
| Noninterest expense to average assets | 2.8334% | 4,813 |
| Loan and lease loss provision to assets | 3.8599% | 338 |
| Net operating income to assets | -0.0083% | 5,862 |
| Return on assets (ROA) | -0.0083% | 5,936 |
| Pretax return on assets | -0.0446% | 5,926 |
| Return on Equity (ROE) | -0.1062% | 5,944 |
| Retained earnings to average equity (ytd only) | -0.1062% | 5,246 |
| Net charge-offs to loans | 3.0799% | 534 |
| Credit loss provision to net charge-offs | 150.2862% | 3,064 |
| Earnings coverage of net charge-offs (x) | 1.4855% | 4,418 |
| Efficiency ratio | 42.6161% | 7,964 |
| Assets per employee ($millions) | 3.5022% | 4,814 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9224% | 603 |
| Loan loss allowance to noncurrent loans | 144.8540% | 2,030 |
| Noncurrent assets plus other real estate owned to assets | 1.6694% | 3,692 |
| Noncurrent loans to loans | 2.0175% | 3,491 |
| Net loans and leases to total assets | 80.3278% | 1,251 |
| Net loans and leases to deposits | 91.4631% | 2,576 |
| Net loans and leases to core deposits | 101.1496% | 4,385 |
| Total domestic deposits to total assets | 87.8253% | 1,853 |
| Equity capital to assets | 7.8685% | 6,892 |
| Core capital (leverage) ratio | 7.7523% | 6,671 |
| Tier 1 risk-based capital ratio | 9.5538% | 7,346 |
| Total risk-based capital ratio | 10.8188% | 7,288 |
| Memoranda: | ||
| Average total assets | $408,198,330 | 1,721 |
| Average earning assets | $375,651,670 | 1,719 |
| Average equity | $32,001,000 | 2,112 |
| Average total loans | $340,399,330 | 1,466 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4401% | 180 |
| Cost of funding earning assets | 1.6362% | 5,881 |
| Net interest margin | 5.8039% | 124 |
| Noninterest income to average assets | 0.7498% | 2,599 |
| Noninterest expense to average assets | 2.6952% | 5,025 |
| Loan and lease loss provision to assets | 3.3130% | 319 |
| Net operating income to assets | 0.1105% | 5,952 |
| Return on assets (ROA) | 0.1105% | 6,113 |
| Pretax return on assets | 0.1408% | 6,076 |
| Return on Equity (ROE) | 1.4117% | 6,009 |
| Retained earnings to average equity (ytd only) | 1.4117% | 5,071 |
| Net charge-offs to loans | 2.4886% | 566 |
| Credit loss provision to net charge-offs | 159.0333% | 2,659 |
| Earnings coverage of net charge-offs (x) | 1.6579% | 3,902 |
| Efficiency ratio | 43.8315% | 7,936 |
| Assets per employee ($millions) | 3.4253% | 5,009 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4525% | 799 |
| Loan loss allowance to noncurrent loans | 133.3860% | 2,381 |
| Noncurrent assets plus other real estate owned to assets | 1.5405% | 3,626 |
| Noncurrent loans to loans | 1.8387% | 3,507 |
| Net loans and leases to total assets | 81.7285% | 1,056 |
| Net loans and leases to deposits | 94.1575% | 2,248 |
| Net loans and leases to core deposits | 104.5117% | 4,080 |
| Total domestic deposits to total assets | 86.7998% | 2,312 |
| Equity capital to assets | 7.8134% | 7,046 |
| Core capital (leverage) ratio | 7.8218% | 6,719 |
| Tier 1 risk-based capital ratio | 9.3004% | 7,589 |
| Total risk-based capital ratio | 10.5654% | 7,550 |
| Memoranda: | ||
| Average total assets | $409,171,000 | 1,726 |
| Average earning assets | $380,642,500 | 1,707 |
| Average equity | $32,018,500 | 2,117 |
| Average total loans | $342,520,000 | 1,467 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3353% | 553 |
| Cost of funding earning assets | 2.2846% | 5,230 |
| Net interest margin | 5.0507% | 452 |
| Noninterest income to average assets | 0.8305% | 2,346 |
| Noninterest expense to average assets | 2.5668% | 5,761 |
| Loan and lease loss provision to assets | 2.4238% | 438 |
| Net operating income to assets | 0.3690% | 5,274 |
| Return on assets (ROA) | 0.3690% | 5,081 |
| Pretax return on assets | 0.5406% | 4,878 |
| Return on Equity (ROE) | 4.6655% | 4,530 |
| Retained earnings to average equity (ytd only) | -3.8200% | 6,285 |
| Net charge-offs to loans | 1.9026% | 576 |
| Credit loss provision to net charge-offs | 155.0421% | 3,368 |
| Earnings coverage of net charge-offs (x) | 1.8962% | 5,117 |
| Efficiency ratio | 46.4064% | 7,905 |
| Assets per employee ($millions) | 3.4227% | 4,876 |
| Cash dividends to net income (ytd only)* | 181.8783% | 354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1100% | 1,057 |
| Loan loss allowance to noncurrent loans | 145.0071% | 2,536 |
| Noncurrent assets plus other real estate owned to assets | 1.2170% | 3,805 |
| Noncurrent loans to loans | 1.4551% | 3,617 |
| Net loans and leases to total assets | 81.8728% | 1,253 |
| Net loans and leases to deposits | 92.5103% | 3,050 |
| Net loans and leases to core deposits | 102.1044% | 4,596 |
| Total domestic deposits to total assets | 88.5012% | 1,247 |
| Equity capital to assets | 7.8371% | 7,057 |
| Core capital (leverage) ratio | 7.8702% | 6,698 |
| Tier 1 risk-based capital ratio | 9.3032% | 7,520 |
| Total risk-based capital ratio | 10.5640% | 7,428 |
| Memoranda: | ||
| Average total assets | $409,763,600 | 1,658 |
| Average earning assets | $381,376,600 | 1,633 |
| Average equity | $32,408,200 | 2,092 |
| Average total loans | $336,695,400 | 1,442 |