Home > First Western Trust Bank > Performance and Condition Ratios
First Western Trust Bank, Performance and Condition Ratios
| 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 | 4.7447% | 4,329 |
| Cost of funding earning assets | 0.6750% | 6,102 |
| Net interest margin | 4.0697% | 2,535 |
| Noninterest income to average assets | 1.0664% | 1,160 |
| Noninterest expense to average assets | 4.9736% | 378 |
| Loan and lease loss provision to assets | 0.2747% | 3,190 |
| Net operating income to assets | -0.2073% | 6,477 |
| Return on assets (ROA) | -0.2073% | 6,518 |
| Pretax return on assets | -0.2693% | 6,509 |
| Return on Equity (ROE) | -1.4456% | 6,461 |
| Retained earnings to average equity (ytd only) | -1.4456% | 6,145 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.8918% | 725 |
| Assets per employee ($millions) | 7.9035% | 474 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3361% | 4,889 |
| Loan loss allowance to noncurrent loans | 258.3062% | 1,197 |
| Noncurrent assets plus other real estate owned to assets | 0.3884% | 6,161 |
| Noncurrent loans to loans | 0.5173% | 5,870 |
| Net loans and leases to total assets | 74.0900% | 1,401 |
| Net loans and leases to deposits | 85.8431% | 1,814 |
| Net loans and leases to core deposits | 118.8178% | 447 |
| Total domestic deposits to total assets | 86.3086% | 3,151 |
| Equity capital to assets | 13.4535% | 1,322 |
| Core capital (leverage) ratio | 14.1419% | 837 |
| Tier 1 risk-based capital ratio | 18.5892% | 1,971 |
| Total risk-based capital ratio | 19.8419% | 1,937 |
| Memoranda: | ||
| Average total assets | $74,272,000 | 5,712 |
| Average earning assets | $71,405,670 | 5,574 |
| Average equity | $10,653,000 | 4,881 |
| Average total loans | $57,634,000 | 5,060 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9301% | 3,418 |
| Cost of funding earning assets | 0.6155% | 6,547 |
| Net interest margin | 4.3146% | 1,518 |
| Noninterest income to average assets | 1.0961% | 1,090 |
| Noninterest expense to average assets | 5.4806% | 264 |
| Loan and lease loss provision to assets | -0.2003% | 7,508 |
| Net operating income to assets | -0.0501% | 6,413 |
| Return on assets (ROA) | -0.0501% | 6,431 |
| Pretax return on assets | -0.0501% | 6,404 |
| Return on Equity (ROE) | -0.3376% | 6,415 |
| Retained earnings to average equity (ytd only) | -0.3376% | 5,853 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.7872% | 603 |
| Assets per employee ($millions) | 7.7274% | 528 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1839% | 5,703 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 70.6382% | 1,999 |
| Net loans and leases to deposits | 89.1315% | 1,335 |
| Net loans and leases to core deposits | 114.9376% | 567 |
| Total domestic deposits to total assets | 79.2518% | 6,133 |
| Equity capital to assets | 13.8119% | 1,064 |
| Core capital (leverage) ratio | 17.1371% | 388 |
| Tier 1 risk-based capital ratio | 19.3357% | 1,727 |
| Total risk-based capital ratio | 20.5386% | 1,703 |
| Memoranda: | ||
| Average total assets | $71,890,500 | 5,822 |
| Average earning assets | $68,882,500 | 5,700 |
| Average equity | $10,663,000 | 4,879 |
| Average total loans | $56,776,000 | 5,142 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1486% | 3,858 |
| Cost of funding earning assets | 0.7150% | 6,837 |
| Net interest margin | 4.4336% | 1,392 |
| Noninterest income to average assets | 0.8888% | 1,889 |
| Noninterest expense to average assets | 4.7579% | 523 |
| Loan and lease loss provision to assets | 0.2399% | 4,885 |
| Net operating income to assets | 0.9396% | 2,241 |
| Return on assets (ROA) | 1.0549% | 1,954 |
| Pretax return on assets | 0.3260% | 5,161 |
| Return on Equity (ROE) | 6.7314% | 3,247 |
| Retained earnings to average equity (ytd only) | 6.7314% | 1,439 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.3493% | 1,225 |
| Assets per employee ($millions) | 6.6507% | 883 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1833% | 5,594 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 86.6420% | 151 |
| Net loans and leases to deposits | 103.9882% | 404 |
| Net loans and leases to core deposits | 135.8392% | 263 |
| Total domestic deposits to total assets | 83.3190% | 4,674 |
| Equity capital to assets | 16.0179% | 579 |
| Core capital (leverage) ratio | 15.6941% | 546 |
| Tier 1 risk-based capital ratio | 19.3532% | 1,630 |
| Total risk-based capital ratio | 20.6046% | 1,598 |
| Memoranda: | ||
| Average total assets | $65,028,800 | 6,031 |
| Average earning assets | $63,357,400 | 5,878 |
| Average equity | $10,191,000 | 5,081 |
| Average total loans | $53,679,000 | 5,332 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1109% | 4,263 |
| Cost of funding earning assets | 0.7141% | 7,030 |
| Net interest margin | 4.3968% | 1,535 |
| Noninterest income to average assets | 0.7918% | 2,278 |
| Noninterest expense to average assets | 4.6499% | 509 |
| Loan and lease loss provision to assets | 0.2804% | 4,333 |
| Net operating income to assets | 0.1526% | 5,632 |
| Return on assets (ROA) | 0.3072% | 5,313 |
| Pretax return on assets | 0.3072% | 5,487 |
| Return on Equity (ROE) | 1.9717% | 5,618 |
| Retained earnings to average equity (ytd only) | 1.9717% | 4,968 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.4807% | 1,173 |
| Assets per employee ($millions) | 8.1089% | 489 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1562% | 5,685 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 88.4309% | 95 |
| Net loans and leases to deposits | 105.1912% | 394 |
| Net loans and leases to core deposits | 138.2713% | 277 |
| Total domestic deposits to total assets | 84.0668% | 4,088 |
| Equity capital to assets | 15.6526% | 738 |
| Core capital (leverage) ratio | 13.4966% | 1,060 |
| Tier 1 risk-based capital ratio | 17.6421% | 2,128 |
| Total risk-based capital ratio | 18.8281% | 2,120 |
| Memoranda: | ||
| Average total assets | $64,659,250 | 6,117 |
| Average earning assets | $63,105,000 | 5,947 |
| Average equity | $10,075,500 | 5,170 |
| Average total loans | $52,520,500 | 5,463 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9448% | 5,199 |
| Cost of funding earning assets | 0.7005% | 7,191 |
| Net interest margin | 4.2443% | 1,988 |
| Noninterest income to average assets | 0.7184% | 2,586 |
| Noninterest expense to average assets | 4.5798% | 530 |
| Loan and lease loss provision to assets | 0.2106% | 4,772 |
| Net operating income to assets | 0.0743% | 5,939 |
| Return on assets (ROA) | 0.0743% | 6,038 |
| Pretax return on assets | 0.0743% | 6,027 |
| Return on Equity (ROE) | 0.4776% | 6,089 |
| Retained earnings to average equity (ytd only) | 0.4776% | 5,571 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.1439% | 1,062 |
| Assets per employee ($millions) | 7.7277% | 565 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1464% | 5,708 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 74.6409% | 1,780 |
| Net loans and leases to deposits | 87.7411% | 2,217 |
| Net loans and leases to core deposits | 108.4664% | 1,268 |
| Total domestic deposits to total assets | 85.0695% | 3,589 |
| Equity capital to assets | 14.5322% | 1,003 |
| Core capital (leverage) ratio | 12.8207% | 1,273 |
| Tier 1 risk-based capital ratio | 19.4200% | 1,624 |
| Total risk-based capital ratio | 20.6158% | 1,604 |
| Memoranda: | ||
| Average total assets | $64,588,670 | 6,157 |
| Average earning assets | $63,097,000 | 5,984 |
| Average equity | $10,049,330 | 5,181 |
| Average total loans | $50,681,670 | 5,578 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8628% | 5,631 |
| Cost of funding earning assets | 0.6909% | 7,352 |
| Net interest margin | 4.1719% | 2,145 |
| Noninterest income to average assets | 0.7471% | 2,315 |
| Noninterest expense to average assets | 4.9462% | 382 |
| Loan and lease loss provision to assets | 0.1997% | 4,507 |
| Net operating income to assets | -0.3156% | 6,682 |
| Return on assets (ROA) | -0.3156% | 6,731 |
| Pretax return on assets | -0.3156% | 6,652 |
| Return on Equity (ROE) | -1.9560% | 6,632 |
| Retained earnings to average equity (ytd only) | -1.9560% | 6,205 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.4000% | 775 |
| Assets per employee ($millions) | 6.8173% | 860 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1062% | 5,977 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 82.3212% | 554 |
| Net loans and leases to deposits | 100.8748% | 705 |
| Net loans and leases to core deposits | 134.3039% | 403 |
| Total domestic deposits to total assets | 81.6073% | 5,231 |
| Equity capital to assets | 16.3163% | 629 |
| Core capital (leverage) ratio | 16.2321% | 546 |
| Tier 1 risk-based capital ratio | 19.3960% | 1,640 |
| Total risk-based capital ratio | 20.5300% | 1,631 |
| Memoranda: | ||
| Average total assets | $62,108,500 | 6,304 |
| Average earning assets | $60,788,000 | 6,141 |
| Average equity | $10,020,500 | 5,231 |
| Average total loans | $49,765,500 | 5,680 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0576% | 7,666 |
| Cost of funding earning assets | 0.7546% | 7,616 |
| Net interest margin | 3.3030% | 5,731 |
| Noninterest income to average assets | 0.3406% | 5,649 |
| Noninterest expense to average assets | 4.2689% | 1,019 |
| Loan and lease loss provision to assets | 0.9000% | 2,502 |
| Net operating income to assets | -1.6656% | 6,945 |
| Return on assets (ROA) | -1.5939% | 6,903 |
| Pretax return on assets | -1.5939% | 6,754 |
| Return on Equity (ROE) | -8.7397% | 6,528 |
| Retained earnings to average equity (ytd only) | -8.7397% | 6,415 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 121.8526% | 578 |
| Assets per employee ($millions) | 7.8576% | 547 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1020% | 5,891 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 76.2365% | 1,738 |
| Net loans and leases to deposits | 98.8205% | 1,022 |
| Net loans and leases to core deposits | 127.3972% | 1,420 |
| Total domestic deposits to total assets | 77.1464% | 6,432 |
| Equity capital to assets | 15.9558% | 706 |
| Core capital (leverage) ratio | 16.8951% | 505 |
| Tier 1 risk-based capital ratio | 19.6787% | 1,526 |
| Total risk-based capital ratio | 20.7550% | 1,522 |
| Memoranda: | ||
| Average total assets | $55,776,000 | 6,503 |
| Average earning assets | $53,406,000 | 6,401 |
| Average equity | $10,172,000 | 5,250 |
| Average total loans | $34,534,600 | 6,373 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8140% | 7,862 |
| Cost of funding earning assets | 0.7815% | 7,721 |
| Net interest margin | 3.0325% | 6,510 |
| Noninterest income to average assets | 0.3407% | 5,764 |
| Noninterest expense to average assets | 4.2341% | 996 |
| Loan and lease loss provision to assets | 1.0666% | 1,821 |
| Net operating income to assets | -2.0763% | 7,350 |
| Return on assets (ROA) | -2.0763% | 7,350 |
| Pretax return on assets | -2.0763% | 7,216 |
| Return on Equity (ROE) | -10.9852% | 6,957 |
| Retained earnings to average equity (ytd only) | -10.9852% | 6,885 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 131.3170% | 460 |
| Assets per employee ($millions) | 8.0515% | 505 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1111% | 5,656 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 64.1107% | 4,842 |
| Net loans and leases to deposits | 76.2505% | 4,997 |
| Net loans and leases to core deposits | 96.7572% | 4,733 |
| Total domestic deposits to total assets | 84.0791% | 3,691 |
| Equity capital to assets | 15.5623% | 877 |
| Core capital (leverage) ratio | 18.4987% | 418 |
| Tier 1 risk-based capital ratio | 20.9625% | 1,368 |
| Total risk-based capital ratio | 21.9584% | 1,377 |
| Memoranda: | ||
| Average total assets | $54,004,750 | 6,607 |
| Average earning assets | $51,353,750 | 6,526 |
| Average equity | $10,207,500 | 5,283 |
| Average total loans | $31,054,000 | 6,628 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6366% | 8,007 |
| Cost of funding earning assets | 0.7738% | 7,850 |
| Net interest margin | 2.8628% | 6,877 |
| Noninterest income to average assets | 0.0633% | 7,670 |
| Noninterest expense to average assets | 4.4483% | 814 |
| Loan and lease loss provision to assets | 1.2031% | 1,430 |
| Net operating income to assets | -2.9088% | 7,655 |
| Return on assets (ROA) | -2.9088% | 7,654 |
| Pretax return on assets | -2.9088% | 7,550 |
| Return on Equity (ROE) | -14.3154% | 7,302 |
| Retained earnings to average equity (ytd only) | -14.3154% | 7,204 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 162.1934% | 317 |
| Assets per employee ($millions) | 6.4350% | 989 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9965% | 6,278 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 64.8427% | 4,799 |
| Net loans and leases to deposits | 81.0494% | 4,383 |
| Net loans and leases to core deposits | 110.9335% | 3,263 |
| Total domestic deposits to total assets | 80.0039% | 5,479 |
| Equity capital to assets | 19.4367% | 419 |
| Core capital (leverage) ratio | 19.6028% | 382 |
| Tier 1 risk-based capital ratio | 25.2417% | 921 |
| Total risk-based capital ratio | 26.1036% | 938 |
| Memoranda: | ||
| Average total assets | $50,535,670 | 6,799 |
| Average earning assets | $47,297,000 | 6,738 |
| Average equity | $10,268,670 | 5,287 |
| Average total loans | $27,485,670 | 6,880 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6383% | 8,076 |
| Cost of funding earning assets | 0.6472% | 8,026 |
| Net interest margin | 2.9911% | 6,502 |
| Noninterest income to average assets | 0.0240% | 7,959 |
| Noninterest expense to average assets | 4.3944% | 793 |
| Loan and lease loss provision to assets | 1.1905% | 1,089 |
| Net operating income to assets | -2.8284% | 7,817 |
| Return on assets (ROA) | -2.8284% | 7,824 |
| Pretax return on assets | -2.8284% | 7,724 |
| Return on Equity (ROE) | -13.6154% | 7,548 |
| Retained earnings to average equity (ytd only) | -13.6154% | 7,360 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 159.4203% | 311 |
| Assets per employee ($millions) | 7.0746% | 746 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7041% | 7,432 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 45.0996% | 7,256 |
| Net loans and leases to deposits | 55.2956% | 7,205 |
| Net loans and leases to core deposits | 60.1920% | 7,447 |
| Total domestic deposits to total assets | 81.5609% | 4,726 |
| Equity capital to assets | 18.1829% | 585 |
| Core capital (leverage) ratio | 24.6218% | 241 |
| Tier 1 risk-based capital ratio | 32.1531% | 524 |
| Total risk-based capital ratio | 32.7243% | 546 |
| Memoranda: | ||
| Average total assets | $50,063,500 | 6,862 |
| Average earning assets | $45,735,500 | 6,848 |
| Average equity | $10,400,000 | 5,260 |
| Average total loans | $24,370,000 | 7,108 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.2668% | 8,293 |
| Cost of funding earning assets | 0.1004% | 8,263 |
| Net interest margin | 0.1664% | 8,289 |
| Noninterest income to average assets | 0.0046% | 8,092 |
| Noninterest expense to average assets | 3.8893% | 1,578 |
| Loan and lease loss provision to assets | 0.0735% | 6,478 |
| Net operating income to assets | -3.8020% | 7,954 |
| Return on assets (ROA) | -3.8020% | 7,933 |
| Pretax return on assets | -3.8020% | 7,855 |
| Return on Equity (ROE) | -15.7484% | 7,616 |
| Retained earnings to average equity (ytd only) | -15.7484% | 7,501 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 2,418.5714% | 5 |
| Assets per employee ($millions) | 6.2186% | 1,022 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1389% | 8,197 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 52.8417% | 6,766 |
| Net loans and leases to deposits | 72.3106% | 6,024 |
| Net loans and leases to core deposits | 78.8010% | 6,704 |
| Total domestic deposits to total assets | 73.0760% | 6,816 |
| Equity capital to assets | 24.1420% | 284 |
| Core capital (leverage) ratio | 31.2229% | 170 |
| Tier 1 risk-based capital ratio | 34.1212% | 477 |
| Total risk-based capital ratio | 34.2251% | 499 |
| Memoranda: | ||
| Average total assets | $43,530,000 | 7,052 |
| Average earning assets | $40,856,000 | 7,004 |
| Average equity | $10,509,000 | 5,261 |
| Average total loans | $23,034,000 | 7,133 |