Home > Franklin Security Bank > Performance and Condition Ratios
Franklin Security Bank, Performance and Condition Ratios
2014-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.5658% | 5,257 |
Cost of funding earning assets | 0.7671% | 895 |
Net interest margin | 2.7986% | 5,937 |
Noninterest income to average assets | -0.0163% | 6,632 |
Noninterest expense to average assets | 2.2300% | 5,383 |
Loan and lease loss provision to assets | 0.3557% | 495 |
Net operating income to assets | 0.1607% | 5,906 |
Return on assets (ROA) | 0.1607% | 5,946 |
Pretax return on assets | 0.1120% | 6,057 |
Return on Equity (ROE) | 1.4299% | 5,944 |
Retained earnings to average equity (ytd only) | 1.4299% | 5,045 |
Net charge-offs to loans | 0.4462% | 810 |
Credit loss provision to net charge-offs | 113.2184% | 1,512 |
Earnings coverage of net charge-offs (x) | 1.4885% | 3,086 |
Efficiency ratio | 82.5301% | 1,862 |
Assets per employee ($millions) | 6.8679% | 854 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9974% | 5,529 |
Loan loss allowance to noncurrent loans | 142.3636% | 2,750 |
Noncurrent assets plus other real estate owned to assets | 0.6989% | 4,013 |
Noncurrent loans to loans | 0.7006% | 4,113 |
Net loans and leases to total assets | 70.7252% | 1,771 |
Net loans and leases to deposits | 94.4986% | 746 |
Net loans and leases to core deposits | 132.3504% | 172 |
Total domestic deposits to total assets | 74.8427% | 6,170 |
Equity capital to assets | 11.4600% | 2,287 |
Core capital (leverage) ratio | 11.6746% | 1,846 |
Tier 1 risk-based capital ratio | 15.1448% | 3,633 |
Total risk-based capital ratio | 16.0694% | 3,758 |
Memoranda: | ||
Average total assets | $221,522,500 | 2,814 |
Average earning assets | $214,821,500 | 2,699 |
Average equity | $24,896,000 | 2,655 |
Average total loans | $155,989,000 | 2,509 |
2013-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6588% | 5,251 |
Cost of funding earning assets | 0.9283% | 644 |
Net interest margin | 2.7305% | 6,099 |
Noninterest income to average assets | 0.1858% | 5,980 |
Noninterest expense to average assets | 2.5053% | 4,750 |
Loan and lease loss provision to assets | 0.3337% | 966 |
Net operating income to assets | -0.0637% | 6,264 |
Return on assets (ROA) | -0.0387% | 6,283 |
Pretax return on assets | 0.0054% | 6,223 |
Return on Equity (ROE) | -0.3379% | 6,282 |
Retained earnings to average equity (ytd only) | -0.3379% | 5,942 |
Net charge-offs to loans | 0.5262% | 1,261 |
Credit loss provision to net charge-offs | 96.1140% | 2,601 |
Earnings coverage of net charge-offs (x) | 0.8640% | 4,800 |
Efficiency ratio | 78.6596% | 2,369 |
Assets per employee ($millions) | 6.5668% | 958 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9956% | 5,595 |
Loan loss allowance to noncurrent loans | 134.8776% | 2,890 |
Noncurrent assets plus other real estate owned to assets | 0.6745% | 4,223 |
Noncurrent loans to loans | 0.7382% | 4,113 |
Net loans and leases to total assets | 68.7207% | 2,221 |
Net loans and leases to deposits | 93.6836% | 905 |
Net loans and leases to core deposits | 136.7334% | 145 |
Total domestic deposits to total assets | 73.3540% | 6,325 |
Equity capital to assets | 11.0206% | 2,593 |
Core capital (leverage) ratio | 11.4486% | 1,999 |
Tier 1 risk-based capital ratio | 15.2761% | 3,496 |
Total risk-based capital ratio | 16.1984% | 3,646 |
Memoranda: | ||
Average total assets | $222,330,400 | 2,788 |
Average earning assets | $213,293,800 | 2,686 |
Average equity | $25,447,800 | 2,590 |
Average total loans | $146,716,600 | 2,607 |
2013-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6623% | 5,269 |
Cost of funding earning assets | 0.9520% | 638 |
Net interest margin | 2.7103% | 6,158 |
Noninterest income to average assets | 0.1987% | 5,989 |
Noninterest expense to average assets | 2.2464% | 5,488 |
Loan and lease loss provision to assets | 0.2473% | 1,445 |
Net operating income to assets | 0.2632% | 5,744 |
Return on assets (ROA) | 0.3092% | 5,703 |
Pretax return on assets | 0.3500% | 5,745 |
Return on Equity (ROE) | 2.6761% | 5,720 |
Retained earnings to average equity (ytd only) | 2.6761% | 4,716 |
Net charge-offs to loans | 0.5014% | 1,282 |
Credit loss provision to net charge-offs | 75.7353% | 2,953 |
Earnings coverage of net charge-offs (x) | 1.6691% | 4,283 |
Efficiency ratio | 80.1720% | 2,069 |
Assets per employee ($millions) | 6.6367% | 875 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9679% | 5,857 |
Loan loss allowance to noncurrent loans | 121.3985% | 2,985 |
Noncurrent assets plus other real estate owned to assets | 0.7370% | 4,268 |
Noncurrent loans to loans | 0.7973% | 4,247 |
Net loans and leases to total assets | 65.3416% | 2,746 |
Net loans and leases to deposits | 87.6322% | 1,411 |
Net loans and leases to core deposits | 131.9085% | 169 |
Total domestic deposits to total assets | 74.5635% | 6,326 |
Equity capital to assets | 11.1116% | 2,654 |
Core capital (leverage) ratio | 11.3334% | 2,174 |
Tier 1 risk-based capital ratio | 15.6964% | 3,354 |
Total risk-based capital ratio | 16.5836% | 3,502 |
Memoranda: | ||
Average total assets | $222,095,000 | 2,816 |
Average earning assets | $212,468,750 | 2,713 |
Average equity | $25,658,250 | 2,603 |
Average total loans | $144,651,500 | 2,653 |
2013-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6680% | 5,245 |
Cost of funding earning assets | 0.9822% | 591 |
Net interest margin | 2.6858% | 6,201 |
Noninterest income to average assets | 0.2082% | 5,956 |
Noninterest expense to average assets | 2.2507% | 5,498 |
Loan and lease loss provision to assets | 0.1575% | 2,350 |
Net operating income to assets | 0.3031% | 5,594 |
Return on assets (ROA) | 0.3685% | 5,510 |
Pretax return on assets | 0.4436% | 5,536 |
Return on Equity (ROE) | 3.1485% | 5,568 |
Retained earnings to average equity (ytd only) | 3.1485% | 4,318 |
Net charge-offs to loans | 0.4719% | 1,400 |
Credit loss provision to net charge-offs | 51.4793% | 3,182 |
Earnings coverage of net charge-offs (x) | 1.7071% | 3,961 |
Efficiency ratio | 80.8031% | 2,046 |
Assets per employee ($millions) | 6.2723% | 1,032 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9868% | 5,878 |
Loan loss allowance to noncurrent loans | 103.9086% | 3,367 |
Noncurrent assets plus other real estate owned to assets | 0.8708% | 4,066 |
Noncurrent loans to loans | 0.9496% | 4,032 |
Net loans and leases to total assets | 66.2962% | 2,541 |
Net loans and leases to deposits | 92.9680% | 882 |
Net loans and leases to core deposits | 126.5288% | 217 |
Total domestic deposits to total assets | 71.3108% | 6,602 |
Equity capital to assets | 11.7412% | 2,095 |
Core capital (leverage) ratio | 11.8813% | 1,680 |
Tier 1 risk-based capital ratio | 16.2715% | 3,054 |
Total risk-based capital ratio | 17.1749% | 3,181 |
Memoranda: | ||
Average total assets | $220,910,670 | 2,827 |
Average earning assets | $210,962,000 | 2,732 |
Average equity | $25,853,330 | 2,595 |
Average total loans | $143,241,000 | 2,668 |
2013-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6239% | 5,377 |
Cost of funding earning assets | 0.9807% | 677 |
Net interest margin | 2.6432% | 6,305 |
Noninterest income to average assets | 0.2065% | 6,001 |
Noninterest expense to average assets | 2.2230% | 5,627 |
Loan and lease loss provision to assets | 0.0926% | 3,115 |
Net operating income to assets | 0.3202% | 5,494 |
Return on assets (ROA) | 0.4396% | 5,126 |
Pretax return on assets | 0.5624% | 5,072 |
Return on Equity (ROE) | 3.7623% | 5,213 |
Retained earnings to average equity (ytd only) | 3.7623% | 3,980 |
Net charge-offs to loans | 0.5297% | 1,134 |
Credit loss provision to net charge-offs | 27.3684% | 2,926 |
Earnings coverage of net charge-offs (x) | 1.4842% | 3,340 |
Efficiency ratio | 81.0581% | 2,179 |
Assets per employee ($millions) | 6.3727% | 1,037 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0262% | 5,893 |
Loan loss allowance to noncurrent loans | 102.4268% | 3,288 |
Noncurrent assets plus other real estate owned to assets | 0.7770% | 4,432 |
Noncurrent loans to loans | 1.0018% | 4,126 |
Net loans and leases to total assets | 62.0534% | 3,051 |
Net loans and leases to deposits | 86.7837% | 1,269 |
Net loans and leases to core deposits | 117.7651% | 310 |
Total domestic deposits to total assets | 71.5035% | 6,682 |
Equity capital to assets | 11.7703% | 2,203 |
Core capital (leverage) ratio | 11.3562% | 1,972 |
Tier 1 risk-based capital ratio | 16.4843% | 3,009 |
Total risk-based capital ratio | 17.4226% | 3,119 |
Memoranda: | ||
Average total assets | $224,737,000 | 2,824 |
Average earning assets | $214,132,500 | 2,721 |
Average equity | $26,260,500 | 2,588 |
Average total loans | $143,466,000 | 2,671 |
2012-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8449% | 5,720 |
Cost of funding earning assets | 1.0963% | 922 |
Net interest margin | 2.7486% | 6,453 |
Noninterest income to average assets | 0.1210% | 6,431 |
Noninterest expense to average assets | 2.3792% | 5,474 |
Loan and lease loss provision to assets | 0.3762% | 1,740 |
Net operating income to assets | -0.0156% | 6,194 |
Return on assets (ROA) | 0.1573% | 6,035 |
Pretax return on assets | 0.2733% | 5,871 |
Return on Equity (ROE) | 1.3385% | 6,055 |
Retained earnings to average equity (ytd only) | 1.3385% | 5,206 |
Net charge-offs to loans | 0.5427% | 2,102 |
Credit loss provision to net charge-offs | 108.0729% | 2,732 |
Earnings coverage of net charge-offs (x) | 1.0898% | 4,911 |
Efficiency ratio | 85.7542% | 1,455 |
Assets per employee ($millions) | 6.6597% | 914 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0694% | 5,678 |
Loan loss allowance to noncurrent loans | 96.1491% | 3,431 |
Noncurrent assets plus other real estate owned to assets | 0.8497% | 4,347 |
Noncurrent loans to loans | 1.1122% | 3,986 |
Net loans and leases to total assets | 64.2661% | 2,856 |
Net loans and leases to deposits | 92.4093% | 880 |
Net loans and leases to core deposits | 141.4861% | 125 |
Total domestic deposits to total assets | 69.5450% | 6,803 |
Equity capital to assets | 11.6010% | 2,344 |
Core capital (leverage) ratio | 11.0893% | 2,174 |
Tier 1 risk-based capital ratio | 15.8857% | 3,225 |
Total risk-based capital ratio | 16.8866% | 3,315 |
Memoranda: | ||
Average total assets | $220,623,200 | 2,835 |
Average earning assets | $211,708,200 | 2,713 |
Average equity | $25,924,600 | 2,576 |
Average total loans | $141,513,800 | 2,696 |
2012-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8661% | 5,872 |
Cost of funding earning assets | 1.1294% | 945 |
Net interest margin | 2.7366% | 6,597 |
Noninterest income to average assets | 0.1466% | 6,410 |
Noninterest expense to average assets | 2.4534% | 5,232 |
Loan and lease loss provision to assets | 0.1752% | 3,382 |
Net operating income to assets | 0.0768% | 6,163 |
Return on assets (ROA) | 0.2220% | 6,034 |
Pretax return on assets | 0.3687% | 5,791 |
Return on Equity (ROE) | 1.8834% | 6,064 |
Retained earnings to average equity (ytd only) | 1.8834% | 5,397 |
Net charge-offs to loans | 0.3730% | 2,606 |
Credit loss provision to net charge-offs | 73.4694% | 3,808 |
Earnings coverage of net charge-offs (x) | 1.3291% | 4,633 |
Efficiency ratio | 88.0545% | 1,189 |
Assets per employee ($millions) | 6.6213% | 892 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9641% | 6,209 |
Loan loss allowance to noncurrent loans | 74.4051% | 4,049 |
Noncurrent assets plus other real estate owned to assets | 0.9470% | 4,394 |
Noncurrent loans to loans | 1.2958% | 3,871 |
Net loans and leases to total assets | 64.1990% | 2,997 |
Net loans and leases to deposits | 89.0165% | 1,253 |
Net loans and leases to core deposits | 143.8433% | 128 |
Total domestic deposits to total assets | 72.1204% | 6,735 |
Equity capital to assets | 11.7326% | 2,501 |
Core capital (leverage) ratio | 11.1659% | 2,239 |
Tier 1 risk-based capital ratio | 15.9751% | 3,277 |
Total risk-based capital ratio | 16.8750% | 3,427 |
Memoranda: | ||
Average total assets | $219,171,750 | 2,866 |
Average earning assets | $210,131,500 | 2,765 |
Average equity | $25,838,750 | 2,608 |
Average total loans | $140,119,750 | 2,748 |
2012-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8920% | 5,935 |
Cost of funding earning assets | 1.1848% | 879 |
Net interest margin | 2.7072% | 6,700 |
Noninterest income to average assets | 0.1409% | 6,490 |
Noninterest expense to average assets | 2.5572% | 4,933 |
Loan and lease loss provision to assets | 0.2265% | 2,809 |
Net operating income to assets | -0.0346% | 6,364 |
Return on assets (ROA) | 0.2035% | 6,090 |
Pretax return on assets | 0.3048% | 5,957 |
Return on Equity (ROE) | 1.7234% | 6,123 |
Retained earnings to average equity (ytd only) | 1.7234% | 5,331 |
Net charge-offs to loans | 0.3532% | 2,604 |
Credit loss provision to net charge-offs | 100.8197% | 2,700 |
Earnings coverage of net charge-offs (x) | 0.7828% | 4,666 |
Efficiency ratio | 93.0256% | 863 |
Assets per employee ($millions) | 6.4933% | 959 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0536% | 5,940 |
Loan loss allowance to noncurrent loans | 101.2718% | 3,165 |
Noncurrent assets plus other real estate owned to assets | 0.8525% | 4,679 |
Noncurrent loans to loans | 1.0404% | 4,437 |
Net loans and leases to total assets | 64.3610% | 2,960 |
Net loans and leases to deposits | 92.8796% | 858 |
Net loans and leases to core deposits | 147.0145% | 116 |
Total domestic deposits to total assets | 69.2950% | 6,942 |
Equity capital to assets | 11.7134% | 2,397 |
Core capital (leverage) ratio | 11.3016% | 2,044 |
Tier 1 risk-based capital ratio | 15.2051% | 3,629 |
Total risk-based capital ratio | 16.1315% | 3,800 |
Memoranda: | ||
Average total assets | $217,187,330 | 2,902 |
Average earning assets | $207,963,330 | 2,789 |
Average equity | $25,647,330 | 2,611 |
Average total loans | $138,181,330 | 2,782 |
2012-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7662% | 6,314 |
Cost of funding earning assets | 1.2321% | 839 |
Net interest margin | 2.5341% | 6,928 |
Noninterest income to average assets | 0.1746% | 6,331 |
Noninterest expense to average assets | 2.5572% | 4,970 |
Loan and lease loss provision to assets | 0.2526% | 2,431 |
Net operating income to assets | -0.1425% | 6,573 |
Return on assets (ROA) | 0.1337% | 6,288 |
Pretax return on assets | 0.1987% | 6,208 |
Return on Equity (ROE) | 1.1276% | 6,321 |
Retained earnings to average equity (ytd only) | 1.1276% | 5,634 |
Net charge-offs to loans | 0.3366% | 2,310 |
Credit loss provision to net charge-offs | 119.2982% | 1,994 |
Earnings coverage of net charge-offs (x) | 0.1842% | 4,278 |
Efficiency ratio | 97.9256% | 634 |
Assets per employee ($millions) | 5.7324% | 1,494 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1061% | 5,886 |
Loan loss allowance to noncurrent loans | 99.7398% | 3,073 |
Noncurrent assets plus other real estate owned to assets | 0.8534% | 4,823 |
Noncurrent loans to loans | 1.1089% | 4,480 |
Net loans and leases to total assets | 62.9240% | 3,062 |
Net loans and leases to deposits | 95.5224% | 574 |
Net loans and leases to core deposits | 142.4275% | 133 |
Total domestic deposits to total assets | 65.8735% | 7,110 |
Equity capital to assets | 11.7890% | 2,194 |
Core capital (leverage) ratio | 11.3616% | 1,995 |
Tier 1 risk-based capital ratio | 15.4692% | 3,465 |
Total risk-based capital ratio | 16.4305% | 3,593 |
Memoranda: | ||
Average total assets | $215,395,000 | 2,942 |
Average earning assets | $205,832,000 | 2,821 |
Average equity | $25,541,000 | 2,621 |
Average total loans | $135,470,000 | 2,847 |
2011-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3719% | 5,530 |
Cost of funding earning assets | 1.6087% | 464 |
Net interest margin | 2.7632% | 6,870 |
Noninterest income to average assets | 0.1615% | 6,337 |
Noninterest expense to average assets | 2.6006% | 5,092 |
Loan and lease loss provision to assets | 0.3068% | 3,215 |
Net operating income to assets | -0.1122% | 6,176 |
Return on assets (ROA) | 0.1090% | 5,970 |
Pretax return on assets | 0.2243% | 5,728 |
Return on Equity (ROE) | 1.0347% | 5,958 |
Retained earnings to average equity (ytd only) | 1.0347% | 5,379 |
Net charge-offs to loans | 0.4837% | 3,063 |
Credit loss provision to net charge-offs | 102.4590% | 3,376 |
Earnings coverage of net charge-offs (x) | 0.6197% | 5,358 |
Efficiency ratio | 92.7766% | 1,001 |
Assets per employee ($millions) | 5.7556% | 1,403 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9612% | 6,359 |
Loan loss allowance to noncurrent loans | 107.5232% | 2,865 |
Noncurrent assets plus other real estate owned to assets | 0.7175% | 5,206 |
Noncurrent loans to loans | 0.8939% | 4,899 |
Net loans and leases to total assets | 61.5456% | 3,686 |
Net loans and leases to deposits | 91.8306% | 983 |
Net loans and leases to core deposits | 141.3853% | 166 |
Total domestic deposits to total assets | 67.0209% | 7,107 |
Equity capital to assets | 11.9281% | 2,182 |
Core capital (leverage) ratio | 11.6236% | 1,806 |
Tier 1 risk-based capital ratio | 16.8138% | 2,684 |
Total risk-based capital ratio | 17.6816% | 2,815 |
Memoranda: | ||
Average total assets | $203,718,800 | 3,013 |
Average earning assets | $193,508,600 | 2,930 |
Average equity | $21,454,600 | 2,957 |
Average total loans | $126,110,600 | 3,058 |
2011-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5317% | 5,154 |
Cost of funding earning assets | 1.6945% | 403 |
Net interest margin | 2.8372% | 6,845 |
Noninterest income to average assets | 0.1708% | 6,366 |
Noninterest expense to average assets | 2.6771% | 4,815 |
Loan and lease loss provision to assets | 0.2535% | 3,474 |
Net operating income to assets | -0.0967% | 6,281 |
Return on assets (ROA) | 0.1139% | 6,047 |
Pretax return on assets | 0.2615% | 5,785 |
Return on Equity (ROE) | 1.1204% | 6,043 |
Retained earnings to average equity (ytd only) | 1.1204% | 5,568 |
Net charge-offs to loans | 0.4442% | 2,948 |
Credit loss provision to net charge-offs | 92.2892% | 3,695 |
Earnings coverage of net charge-offs (x) | 0.6771% | 5,115 |
Efficiency ratio | 92.9480% | 975 |
Assets per employee ($millions) | 5.6391% | 1,475 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9552% | 6,437 |
Loan loss allowance to noncurrent loans | 94.4444% | 3,096 |
Noncurrent assets plus other real estate owned to assets | 0.8167% | 5,137 |
Noncurrent loans to loans | 1.0114% | 4,869 |
Net loans and leases to total assets | 60.8303% | 3,980 |
Net loans and leases to deposits | 91.9384% | 1,016 |
Net loans and leases to core deposits | 136.4805% | 194 |
Total domestic deposits to total assets | 66.1642% | 7,194 |
Equity capital to assets | 12.2490% | 2,057 |
Core capital (leverage) ratio | 11.8024% | 1,827 |
Tier 1 risk-based capital ratio | 17.4462% | 2,470 |
Total risk-based capital ratio | 18.3197% | 2,575 |
Memoranda: | ||
Average total assets | $201,408,750 | 3,059 |
Average earning assets | $191,123,250 | 2,963 |
Average equity | $20,467,750 | 3,080 |
Average total loans | $124,553,500 | 3,113 |
2011-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7402% | 4,348 |
Cost of funding earning assets | 1.7862% | 329 |
Net interest margin | 2.9540% | 6,688 |
Noninterest income to average assets | 0.2322% | 5,985 |
Noninterest expense to average assets | 2.7578% | 4,599 |
Loan and lease loss provision to assets | 0.2080% | 3,847 |
Net operating income to assets | -0.0035% | 6,231 |
Return on assets (ROA) | 0.3156% | 5,447 |
Pretax return on assets | 0.5638% | 4,869 |
Return on Equity (ROE) | 3.3455% | 5,239 |
Retained earnings to average equity (ytd only) | 3.3455% | 4,131 |
Net charge-offs to loans | 0.4313% | 2,847 |
Credit loss provision to net charge-offs | 77.8195% | 3,834 |
Earnings coverage of net charge-offs (x) | 1.0226% | 4,526 |
Efficiency ratio | 90.4509% | 1,211 |
Assets per employee ($millions) | 5.2611% | 1,809 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9845% | 6,393 |
Loan loss allowance to noncurrent loans | 78.8538% | 3,582 |
Noncurrent assets plus other real estate owned to assets | 0.9330% | 4,995 |
Noncurrent loans to loans | 1.2485% | 4,573 |
Net loans and leases to total assets | 63.5616% | 3,563 |
Net loans and leases to deposits | 85.3873% | 1,879 |
Net loans and leases to core deposits | 130.3969% | 272 |
Total domestic deposits to total assets | 74.4391% | 6,792 |
Equity capital to assets | 10.1812% | 3,898 |
Core capital (leverage) ratio | 9.7398% | 3,616 |
Tier 1 risk-based capital ratio | 13.8920% | 4,239 |
Total risk-based capital ratio | 14.7996% | 4,475 |
Memoranda: | ||
Average total assets | $198,996,330 | 3,110 |
Average earning assets | $188,556,670 | 3,017 |
Average equity | $18,771,330 | 3,291 |
Average total loans | $123,356,670 | 3,160 |
2011-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5322% | 5,236 |
Cost of funding earning assets | 1.7790% | 410 |
Net interest margin | 2.7533% | 6,968 |
Noninterest income to average assets | 0.2591% | 5,821 |
Noninterest expense to average assets | 2.5496% | 5,391 |
Loan and lease loss provision to assets | 0.2709% | 2,983 |
Net operating income to assets | -0.0075% | 6,362 |
Return on assets (ROA) | 0.3631% | 5,194 |
Pretax return on assets | 0.6300% | 4,570 |
Return on Equity (ROE) | 3.9967% | 4,910 |
Retained earnings to average equity (ytd only) | 3.9967% | 3,778 |
Net charge-offs to loans | 0.5280% | 2,171 |
Credit loss provision to net charge-offs | 84.1463% | 3,064 |
Earnings coverage of net charge-offs (x) | 1.0000% | 3,911 |
Efficiency ratio | 88.2433% | 1,482 |
Assets per employee ($millions) | 5.9794% | 1,209 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0067% | 6,372 |
Loan loss allowance to noncurrent loans | 71.1806% | 3,867 |
Noncurrent assets plus other real estate owned to assets | 0.9838% | 4,940 |
Noncurrent loans to loans | 1.4143% | 4,349 |
Net loans and leases to total assets | 59.4936% | 4,365 |
Net loans and leases to deposits | 78.7083% | 2,938 |
Net loans and leases to core deposits | 123.5101% | 355 |
Total domestic deposits to total assets | 75.5874% | 6,730 |
Equity capital to assets | 9.0998% | 5,051 |
Core capital (leverage) ratio | 8.9603% | 4,676 |
Tier 1 risk-based capital ratio | 13.9888% | 4,078 |
Total risk-based capital ratio | 14.9356% | 4,271 |
Memoranda: | ||
Average total assets | $203,795,000 | 3,072 |
Average earning assets | $193,371,000 | 2,968 |
Average equity | $18,515,500 | 3,324 |
Average total loans | $124,244,000 | 3,173 |
2010-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.5651% | 2,031 |
Cost of funding earning assets | 2.0660% | 480 |
Net interest margin | 3.4991% | 5,252 |
Noninterest income to average assets | 0.1221% | 6,797 |
Noninterest expense to average assets | 2.4682% | 5,898 |
Loan and lease loss provision to assets | 0.4918% | 3,198 |
Net operating income to assets | 0.3191% | 4,869 |
Return on assets (ROA) | 0.7563% | 3,095 |
Pretax return on assets | 1.1342% | 2,446 |
Return on Equity (ROE) | 8.1977% | 2,619 |
Retained earnings to average equity (ytd only) | 8.1977% | 915 |
Net charge-offs to loans | 0.6992% | 2,911 |
Credit loss provision to net charge-offs | 114.6232% | 3,786 |
Earnings coverage of net charge-offs (x) | 2.2688% | 4,025 |
Efficiency ratio | 71.3645% | 3,920 |
Assets per employee ($millions) | 6.1906% | 1,089 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9944% | 6,415 |
Loan loss allowance to noncurrent loans | 78.0124% | 3,620 |
Noncurrent assets plus other real estate owned to assets | 0.9031% | 5,213 |
Noncurrent loans to loans | 1.2747% | 4,586 |
Net loans and leases to total assets | 61.2128% | 4,452 |
Net loans and leases to deposits | 85.0311% | 2,274 |
Net loans and leases to core deposits | 137.6471% | 243 |
Total domestic deposits to total assets | 71.9887% | 7,081 |
Equity capital to assets | 9.0710% | 5,044 |
Core capital (leverage) ratio | 8.8985% | 4,703 |
Tier 1 risk-based capital ratio | 13.7567% | 4,014 |
Total risk-based capital ratio | 14.7098% | 4,210 |
Memoranda: | ||
Average total assets | $207,195,200 | 3,011 |
Average earning assets | $196,565,400 | 2,924 |
Average equity | $19,115,200 | 3,266 |
Average total loans | $127,137,800 | 3,177 |
2010-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.6509% | 1,881 |
Cost of funding earning assets | 2.0933% | 547 |
Net interest margin | 3.5576% | 5,071 |
Noninterest income to average assets | 0.1231% | 6,934 |
Noninterest expense to average assets | 2.5002% | 5,714 |
Loan and lease loss provision to assets | 0.4386% | 3,281 |
Net operating income to assets | 0.4165% | 4,674 |
Return on assets (ROA) | 0.8214% | 3,058 |
Pretax return on assets | 1.0972% | 2,838 |
Return on Equity (ROE) | 8.8673% | 2,535 |
Retained earnings to average equity (ytd only) | 8.8673% | 1,096 |
Net charge-offs to loans | 0.6868% | 2,708 |
Credit loss provision to net charge-offs | 104.2683% | 4,115 |
Earnings coverage of net charge-offs (x) | 2.3674% | 3,992 |
Efficiency ratio | 71.2032% | 3,851 |
Assets per employee ($millions) | 6.2697% | 1,089 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8587% | 6,869 |
Loan loss allowance to noncurrent loans | 78.6639% | 3,427 |
Noncurrent assets plus other real estate owned to assets | 0.8299% | 5,435 |
Noncurrent loans to loans | 1.0916% | 5,058 |
Net loans and leases to total assets | 64.3976% | 4,046 |
Net loans and leases to deposits | 90.7047% | 1,622 |
Net loans and leases to core deposits | 159.2194% | 153 |
Total domestic deposits to total assets | 70.9970% | 7,218 |
Equity capital to assets | 9.3181% | 5,108 |
Core capital (leverage) ratio | 8.7170% | 5,154 |
Tier 1 risk-based capital ratio | 12.8139% | 4,723 |
Total risk-based capital ratio | 13.6434% | 5,052 |
Memoranda: | ||
Average total assets | $207,921,750 | 3,045 |
Average earning assets | $197,132,750 | 2,963 |
Average equity | $19,261,250 | 3,283 |
Average total loans | $127,345,500 | 3,222 |
2010-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.7203% | 1,688 |
Cost of funding earning assets | 2.1312% | 593 |
Net interest margin | 3.5891% | 4,864 |
Noninterest income to average assets | 0.1546% | 6,780 |
Noninterest expense to average assets | 2.4968% | 5,727 |
Loan and lease loss provision to assets | 0.3668% | 3,508 |
Net operating income to assets | 0.5508% | 4,090 |
Return on assets (ROA) | 0.8489% | 2,886 |
Pretax return on assets | 1.0679% | 2,881 |
Return on Equity (ROE) | 9.1819% | 2,394 |
Retained earnings to average equity (ytd only) | 9.1819% | 1,055 |
Net charge-offs to loans | 0.7328% | 2,395 |
Credit loss provision to net charge-offs | 83.4061% | 4,614 |
Earnings coverage of net charge-offs (x) | 2.4039% | 3,793 |
Efficiency ratio | 69.9541% | 4,199 |
Assets per employee ($millions) | 6.1975% | 1,101 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8638% | 6,870 |
Loan loss allowance to noncurrent loans | 87.4271% | 3,115 |
Noncurrent assets plus other real estate owned to assets | 0.6278% | 5,919 |
Noncurrent loans to loans | 0.9880% | 5,327 |
Net loans and leases to total assets | 58.9226% | 5,262 |
Net loans and leases to deposits | 85.5352% | 2,591 |
Net loans and leases to core deposits | 198.9993% | 96 |
Total domestic deposits to total assets | 68.8870% | 7,391 |
Equity capital to assets | 9.4431% | 4,795 |
Core capital (leverage) ratio | 8.6438% | 5,168 |
Tier 1 risk-based capital ratio | 13.5178% | 4,053 |
Total risk-based capital ratio | 14.3330% | 4,326 |
Memoranda: | ||
Average total assets | $208,262,670 | 3,063 |
Average earning assets | $197,264,000 | 2,987 |
Average equity | $19,255,330 | 3,274 |
Average total loans | $124,996,670 | 3,307 |
2010-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.0046% | 977 |
Cost of funding earning assets | 2.1672% | 653 |
Net interest margin | 3.8374% | 3,634 |
Noninterest income to average assets | 0.1218% | 7,077 |
Noninterest expense to average assets | 2.4213% | 6,012 |
Loan and lease loss provision to assets | 0.3522% | 3,269 |
Net operating income to assets | 0.9289% | 2,429 |
Return on assets (ROA) | 0.9289% | 2,496 |
Pretax return on assets | 0.9784% | 3,172 |
Return on Equity (ROE) | 10.1527% | 2,048 |
Retained earnings to average equity (ytd only) | 10.1527% | 1,104 |
Net charge-offs to loans | 0.7892% | 1,946 |
Credit loss provision to net charge-offs | 74.0000% | 4,013 |
Earnings coverage of net charge-offs (x) | 2.7960% | 3,148 |
Efficiency ratio | 64.2821% | 5,442 |
Assets per employee ($millions) | 6.3778% | 1,059 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8618% | 6,952 |
Loan loss allowance to noncurrent loans | 95.5856% | 2,892 |
Noncurrent assets plus other real estate owned to assets | 0.5668% | 6,088 |
Noncurrent loans to loans | 0.9016% | 5,512 |
Net loans and leases to total assets | 57.9910% | 5,438 |
Net loans and leases to deposits | 82.6127% | 3,174 |
Net loans and leases to core deposits | 168.5103% | 161 |
Total domestic deposits to total assets | 70.1963% | 7,398 |
Equity capital to assets | 9.2513% | 4,915 |
Core capital (leverage) ratio | 8.2322% | 5,865 |
Tier 1 risk-based capital ratio | 12.5905% | 4,646 |
Total risk-based capital ratio | 13.3764% | 5,027 |
Memoranda: | ||
Average total assets | $210,134,500 | 3,100 |
Average earning assets | $198,782,500 | 3,015 |
Average equity | $19,226,500 | 3,301 |
Average total loans | $126,716,000 | 3,333 |
2009-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.7370% | 429 |
Cost of funding earning assets | 2.7563% | 504 |
Net interest margin | 3.9807% | 2,937 |
Noninterest income to average assets | 0.2409% | 6,365 |
Noninterest expense to average assets | 2.4003% | 6,468 |
Loan and lease loss provision to assets | 0.6550% | 3,193 |
Net operating income to assets | 0.5795% | 3,407 |
Return on assets (ROA) | 0.5901% | 3,446 |
Pretax return on assets | 0.9593% | 2,730 |
Return on Equity (ROE) | 7.1847% | 2,718 |
Retained earnings to average equity (ytd only) | 7.1847% | 903 |
Net charge-offs to loans | 0.6049% | 3,403 |
Credit loss provision to net charge-offs | 184.2876% | 2,223 |
Earnings coverage of net charge-offs (x) | 4.4953% | 2,929 |
Efficiency ratio | 59.8011% | 6,515 |
Assets per employee ($millions) | 6.1706% | 1,145 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8640% | 6,946 |
Loan loss allowance to noncurrent loans | 100.5357% | 2,796 |
Noncurrent assets plus other real estate owned to assets | 0.5338% | 6,121 |
Noncurrent loans to loans | 0.8594% | 5,578 |
Net loans and leases to total assets | 61.5785% | 5,090 |
Net loans and leases to deposits | 87.1848% | 2,702 |
Net loans and leases to core deposits | 166.3508% | 267 |
Total domestic deposits to total assets | 70.6299% | 7,367 |
Equity capital to assets | 9.0476% | 5,066 |
Core capital (leverage) ratio | 8.0149% | 6,162 |
Tier 1 risk-based capital ratio | 11.7422% | 5,159 |
Total risk-based capital ratio | 12.5438% | 5,573 |
Memoranda: | ||
Average total assets | $211,305,200 | 3,054 |
Average earning assets | $199,435,000 | 2,978 |
Average equity | $17,356,400 | 3,602 |
Average total loans | $124,150,200 | 3,402 |
2009-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.8405% | 391 |
Cost of funding earning assets | 2.8434% | 532 |
Net interest margin | 3.9971% | 2,840 |
Noninterest income to average assets | 0.1461% | 7,128 |
Noninterest expense to average assets | 2.3777% | 6,482 |
Loan and lease loss provision to assets | 0.5568% | 3,161 |
Net operating income to assets | 0.6500% | 3,403 |
Return on assets (ROA) | 0.6645% | 3,403 |
Pretax return on assets | 1.0090% | 2,876 |
Return on Equity (ROE) | 8.2987% | 2,517 |
Retained earnings to average equity (ytd only) | 8.2987% | 1,043 |
Net charge-offs to loans | 0.5274% | 3,102 |
Credit loss provision to net charge-offs | 182.2680% | 2,506 |
Earnings coverage of net charge-offs (x) | 5.0536% | 2,941 |
Efficiency ratio | 60.3919% | 6,358 |
Assets per employee ($millions) | 5.7976% | 1,352 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.6667% | 7,448 |
Loan loss allowance to noncurrent loans | 178.9579% | 1,639 |
Noncurrent assets plus other real estate owned to assets | 0.2326% | 6,934 |
Noncurrent loans to loans | 0.3725% | 6,603 |
Net loans and leases to total assets | 62.0269% | 5,238 |
Net loans and leases to deposits | 87.8830% | 2,984 |
Net loans and leases to core deposits | 151.5922% | 549 |
Total domestic deposits to total assets | 70.5790% | 7,370 |
Equity capital to assets | 8.4099% | 6,371 |
Core capital (leverage) ratio | 7.3143% | 7,177 |
Tier 1 risk-based capital ratio | 10.8731% | 6,085 |
Total risk-based capital ratio | 11.5040% | 6,672 |
Memoranda: | ||
Average total assets | $211,681,000 | 3,069 |
Average earning assets | $199,942,000 | 2,984 |
Average equity | $16,950,000 | 3,713 |
Average total loans | $122,608,000 | 3,457 |
2009-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.9716% | 333 |
Cost of funding earning assets | 2.9710% | 509 |
Net interest margin | 4.0006% | 2,697 |
Noninterest income to average assets | 0.1832% | 6,983 |
Noninterest expense to average assets | 2.3631% | 6,582 |
Loan and lease loss provision to assets | 0.5429% | 2,851 |
Net operating income to assets | 0.6888% | 3,304 |
Return on assets (ROA) | 0.7032% | 3,343 |
Pretax return on assets | 1.0715% | 2,732 |
Return on Equity (ROE) | 8.9349% | 2,380 |
Retained earnings to average equity (ytd only) | 8.9349% | 963 |
Net charge-offs to loans | 0.3955% | 3,218 |
Credit loss provision to net charge-offs | 243.4043% | 1,908 |
Earnings coverage of net charge-offs (x) | 7.1404% | 2,489 |
Efficiency ratio | 59.5010% | 6,621 |
Assets per employee ($millions) | 6.3423% | 1,034 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.6812% | 7,461 |
Loan loss allowance to noncurrent loans | 197.6190% | 1,540 |
Noncurrent assets plus other real estate owned to assets | 0.1948% | 7,039 |
Noncurrent loans to loans | 0.3447% | 6,654 |
Net loans and leases to total assets | 56.1209% | 6,192 |
Net loans and leases to deposits | 84.9219% | 3,736 |
Net loans and leases to core deposits | 133.4311% | 1,347 |
Total domestic deposits to total assets | 66.0853% | 7,734 |
Equity capital to assets | 8.0375% | 6,706 |
Core capital (leverage) ratio | 7.0883% | 7,467 |
Tier 1 risk-based capital ratio | 11.1220% | 5,750 |
Total risk-based capital ratio | 11.7362% | 6,336 |
Memoranda: | ||
Average total assets | $210,738,000 | 3,098 |
Average earning assets | $198,721,670 | 3,019 |
Average equity | $16,586,670 | 3,796 |
Average total loans | $118,828,330 | 3,562 |
2009-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 7.0472% | 308 |
Cost of funding earning assets | 3.1534% | 393 |
Net interest margin | 3.8938% | 3,064 |
Noninterest income to average assets | 0.0903% | 7,604 |
Noninterest expense to average assets | 2.1528% | 7,002 |
Loan and lease loss provision to assets | 0.7605% | 1,691 |
Net operating income to assets | 0.5455% | 4,231 |
Return on assets (ROA) | 0.5742% | 4,321 |
Pretax return on assets | 0.8872% | 3,761 |
Return on Equity (ROE) | 7.3763% | 3,433 |
Retained earnings to average equity (ytd only) | 7.3763% | 2,063 |
Net charge-offs to loans | 0.3171% | 2,832 |
Credit loss provision to net charge-offs | 425.8065% | 1,246 |
Earnings coverage of net charge-offs (x) | 8.9785% | 2,119 |
Efficiency ratio | 57.0041% | 6,827 |
Assets per employee ($millions) | 6.1923% | 1,098 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.6564% | 7,557 |
Loan loss allowance to noncurrent loans | 439.7790% | 794 |
Noncurrent assets plus other real estate owned to assets | 0.0860% | 7,337 |
Noncurrent loans to loans | 0.1493% | 7,094 |
Net loans and leases to total assets | 57.2193% | 6,066 |
Net loans and leases to deposits | 93.6715% | 2,323 |
Net loans and leases to core deposits | 131.5523% | 1,567 |
Total domestic deposits to total assets | 61.0851% | 7,940 |
Equity capital to assets | 7.9140% | 6,942 |
Core capital (leverage) ratio | 6.9430% | 7,671 |
Tier 1 risk-based capital ratio | 10.8357% | 6,058 |
Total risk-based capital ratio | 11.4350% | 6,644 |
Memoranda: | ||
Average total assets | $208,288,000 | 3,137 |
Average earning assets | $196,106,000 | 3,065 |
Average equity | $16,214,000 | 3,903 |
Average total loans | $117,318,500 | 3,614 |
2008-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.4367% | 3,243 |
Cost of funding earning assets | 3.9559% | 114 |
Net interest margin | 2.4808% | 7,775 |
Noninterest income to average assets | 0.2040% | 6,983 |
Noninterest expense to average assets | 2.4401% | 6,255 |
Loan and lease loss provision to assets | 0.3482% | 3,615 |
Net operating income to assets | -0.1704% | 6,584 |
Return on assets (ROA) | 0.1061% | 5,936 |
Pretax return on assets | 0.1736% | 5,784 |
Return on Equity (ROE) | 1.3508% | 5,814 |
Retained earnings to average equity (ytd only) | 1.3508% | 4,410 |
Net charge-offs to loans | 0.3178% | 3,269 |
Credit loss provision to net charge-offs | 194.5289% | 2,517 |
Earnings coverage of net charge-offs (x) | 0.5015% | 5,935 |
Efficiency ratio | 95.9785% | 1,158 |
Assets per employee ($millions) | 6.0599% | 1,107 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.6351% | 7,599 |
Loan loss allowance to noncurrent loans | 441.7178% | 957 |
Noncurrent assets plus other real estate owned to assets | 0.0791% | 7,252 |
Noncurrent loans to loans | 0.1438% | 6,980 |
Net loans and leases to total assets | 54.6756% | 6,586 |
Net loans and leases to deposits | 85.7465% | 4,152 |
Net loans and leases to core deposits | 102.0519% | 4,603 |
Total domestic deposits to total assets | 63.7643% | 7,805 |
Equity capital to assets | 7.6520% | 7,256 |
Core capital (leverage) ratio | 6.9023% | 7,758 |
Tier 1 risk-based capital ratio | 11.2654% | 5,470 |
Total risk-based capital ratio | 11.8432% | 6,014 |
Memoranda: | ||
Average total assets | $183,806,000 | 3,357 |
Average earning assets | $172,325,000 | 3,295 |
Average equity | $14,435,600 | 4,247 |
Average total loans | $103,532,200 | 3,861 |