Home > Freedom Bank > Performance and Condition Ratios
Freedom Bank, Performance and Condition Ratios
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.5705% | 6,784 |
| Cost of funding earning assets | 0.0460% | 6,751 |
| Net interest margin | 0.5246% | 6,781 |
| Noninterest income to average assets | 0.0357% | 6,583 |
| Noninterest expense to average assets | 0.3459% | 6,796 |
| Loan and lease loss provision to assets | 0.0229% | 4,669 |
| Net operating income to assets | 0.0929% | 6,061 |
| Return on assets (ROA) | 0.0929% | 6,113 |
| Pretax return on assets | 0.1401% | 6,028 |
| Return on Equity (ROE) | 1.3988% | 6,008 |
| Retained earnings to average equity (ytd only) | 1.3988% | 5,196 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7640% | 4,941 |
| Assets per employee ($millions) | 5.0409% | 2,138 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0425% | 6,742 |
| Loan loss allowance to noncurrent loans | 1.0533% | 6,302 |
| Noncurrent assets plus other real estate owned to assets | 4.6252% | 530 |
| Noncurrent loans to loans | 4.0382% | 718 |
| Net loans and leases to total assets | 57.3765% | 4,138 |
| Net loans and leases to deposits | 72.1841% | 3,497 |
| Net loans and leases to core deposits | 74.5470% | 3,781 |
| Total domestic deposits to total assets | 79.4864% | 5,553 |
| Equity capital to assets | 7.7428% | 6,163 |
| Core capital (leverage) ratio | 6.4142% | 6,605 |
| Tier 1 risk-based capital ratio | 9.6570% | 6,584 |
| Total risk-based capital ratio | 9.6939% | 6,682 |
| Memoranda: | ||
| Average total assets | $69,967,200 | 5,479 |
| Average earning assets | $63,100,600 | 5,502 |
| Average equity | $4,647,000 | 6,155 |
| Average total loans | $44,402,000 | 5,171 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0040% | 4,120 |
| Cost of funding earning assets | 0.7538% | 1,577 |
| Net interest margin | 3.2501% | 4,827 |
| Noninterest income to average assets | 0.3039% | 5,270 |
| Noninterest expense to average assets | 2.4799% | 4,786 |
| Loan and lease loss provision to assets | 0.1201% | 2,792 |
| Net operating income to assets | 0.4840% | 4,872 |
| Return on assets (ROA) | 0.4840% | 5,029 |
| Pretax return on assets | 0.6641% | 4,809 |
| Return on Equity (ROE) | 7.5765% | 3,331 |
| Retained earnings to average equity (ytd only) | 7.5765% | 1,600 |
| Net charge-offs to loans | 3.7629% | 48 |
| Credit loss provision to net charge-offs | 4.9193% | 4,280 |
| Earnings coverage of net charge-offs (x) | 0.3213% | 4,757 |
| Efficiency ratio | 75.9770% | 2,734 |
| Assets per employee ($millions) | 6.0811% | 1,188 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0735% | 221 |
| Loan loss allowance to noncurrent loans | 78.9545% | 4,105 |
| Noncurrent assets plus other real estate owned to assets | 4.9124% | 575 |
| Noncurrent loans to loans | 5.1593% | 564 |
| Net loans and leases to total assets | 61.6785% | 3,425 |
| Net loans and leases to deposits | 74.4286% | 3,168 |
| Net loans and leases to core deposits | 76.7063% | 3,538 |
| Total domestic deposits to total assets | 82.8694% | 4,630 |
| Equity capital to assets | 7.1503% | 6,506 |
| Core capital (leverage) ratio | 7.1752% | 6,555 |
| Tier 1 risk-based capital ratio | 10.8133% | 6,358 |
| Total risk-based capital ratio | 12.0952% | 6,311 |
| Memoranda: | ||
| Average total assets | $71,076,000 | 5,501 |
| Average earning assets | $64,734,000 | 5,499 |
| Average equity | $4,540,250 | 6,271 |
| Average total loans | $46,098,500 | 5,157 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9134% | 4,428 |
| Cost of funding earning assets | 0.7857% | 1,491 |
| Net interest margin | 3.1277% | 5,194 |
| Noninterest income to average assets | 0.2539% | 5,632 |
| Noninterest expense to average assets | 2.5472% | 4,573 |
| Loan and lease loss provision to assets | 1.7138% | 68 |
| Net operating income to assets | -1.3081% | 6,789 |
| Return on assets (ROA) | -1.3081% | 6,793 |
| Pretax return on assets | -1.1508% | 6,762 |
| Return on Equity (ROE) | -21.2588% | 6,834 |
| Retained earnings to average equity (ytd only) | -21.2588% | 6,811 |
| Net charge-offs to loans | 5.2623% | 30 |
| Credit loss provision to net charge-offs | 50.0806% | 3,201 |
| Earnings coverage of net charge-offs (x) | 0.1645% | 4,495 |
| Efficiency ratio | 81.8988% | 1,898 |
| Assets per employee ($millions) | 7.1664% | 674 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0882% | 106 |
| Loan loss allowance to noncurrent loans | 151.7286% | 2,494 |
| Noncurrent assets plus other real estate owned to assets | 3.7439% | 981 |
| Noncurrent loans to loans | 3.3535% | 1,294 |
| Net loans and leases to total assets | 61.6879% | 3,355 |
| Net loans and leases to deposits | 73.9635% | 3,165 |
| Net loans and leases to core deposits | 76.7114% | 3,465 |
| Total domestic deposits to total assets | 83.4031% | 4,546 |
| Equity capital to assets | 5.5663% | 6,784 |
| Core capital (leverage) ratio | 5.7591% | 6,770 |
| Tier 1 risk-based capital ratio | 8.7255% | 6,773 |
| Total risk-based capital ratio | 10.0199% | 6,776 |
| Memoranda: | ||
| Average total assets | $72,470,670 | 5,497 |
| Average earning assets | $66,183,330 | 5,488 |
| Average equity | $4,459,330 | 6,339 |
| Average total loans | $47,128,000 | 5,129 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9931% | 4,147 |
| Cost of funding earning assets | 0.7854% | 1,611 |
| Net interest margin | 3.2077% | 4,905 |
| Noninterest income to average assets | 0.3513% | 4,867 |
| Noninterest expense to average assets | 2.5578% | 4,542 |
| Loan and lease loss provision to assets | 0.0549% | 3,716 |
| Net operating income to assets | 0.6751% | 3,815 |
| Return on assets (ROA) | 0.6751% | 3,975 |
| Pretax return on assets | 0.6751% | 4,681 |
| Return on Equity (ROE) | 10.4803% | 1,883 |
| Retained earnings to average equity (ytd only) | 10.4803% | 987 |
| Net charge-offs to loans | 0.4810% | 1,245 |
| Credit loss provision to net charge-offs | 17.5439% | 3,073 |
| Earnings coverage of net charge-offs (x) | 2.3333% | 3,067 |
| Efficiency ratio | 77.7963% | 2,642 |
| Assets per employee ($millions) | 6.2489% | 1,107 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.1435% | 68 |
| Loan loss allowance to noncurrent loans | 150.0255% | 2,373 |
| Noncurrent assets plus other real estate owned to assets | 4.1100% | 953 |
| Noncurrent loans to loans | 4.0950% | 1,083 |
| Net loans and leases to total assets | 59.9384% | 3,438 |
| Net loans and leases to deposits | 73.8090% | 2,942 |
| Net loans and leases to core deposits | 76.1680% | 3,298 |
| Total domestic deposits to total assets | 81.2074% | 5,448 |
| Equity capital to assets | 6.3611% | 6,800 |
| Core capital (leverage) ratio | 6.5457% | 6,738 |
| Tier 1 risk-based capital ratio | 9.4843% | 6,763 |
| Total risk-based capital ratio | 10.7890% | 6,743 |
| Memoranda: | ||
| Average total assets | $72,874,000 | 5,539 |
| Average earning assets | $66,714,500 | 5,525 |
| Average equity | $4,694,500 | 6,338 |
| Average total loans | $47,403,000 | 5,155 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3166% | 4,135 |
| Cost of funding earning assets | 0.8547% | 2,260 |
| Net interest margin | 3.4619% | 4,663 |
| Noninterest income to average assets | -0.0525% | 6,885 |
| Noninterest expense to average assets | 2.5489% | 4,932 |
| Loan and lease loss provision to assets | 2.9781% | 40 |
| Net operating income to assets | -2.2595% | 6,956 |
| Return on assets (ROA) | -2.0856% | 6,947 |
| Pretax return on assets | -2.2260% | 6,954 |
| Return on Equity (ROE) | -26.1728% | 6,933 |
| Retained earnings to average equity (ytd only) | -26.1728% | 6,907 |
| Net charge-offs to loans | 1.5332% | 575 |
| Credit loss provision to net charge-offs | 302.9372% | 804 |
| Earnings coverage of net charge-offs (x) | 0.5768% | 5,201 |
| Efficiency ratio | 81.8029% | 1,893 |
| Assets per employee ($millions) | 6.4328% | 1,037 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.3707% | 57 |
| Loan loss allowance to noncurrent loans | 1,195.6000% | 397 |
| Noncurrent assets plus other real estate owned to assets | 1.8117% | 2,699 |
| Noncurrent loans to loans | 0.5328% | 5,198 |
| Net loans and leases to total assets | 62.0808% | 3,235 |
| Net loans and leases to deposits | 75.1000% | 2,939 |
| Net loans and leases to core deposits | 78.0280% | 3,256 |
| Total domestic deposits to total assets | 82.6642% | 4,864 |
| Equity capital to assets | 6.5276% | 6,842 |
| Core capital (leverage) ratio | 6.4909% | 6,794 |
| Tier 1 risk-based capital ratio | 9.5579% | 6,792 |
| Total risk-based capital ratio | 10.8669% | 6,769 |
| Memoranda: | ||
| Average total assets | $76,190,000 | 5,453 |
| Average earning assets | $69,730,600 | 5,440 |
| Average equity | $6,071,200 | 6,006 |
| Average total loans | $48,850,600 | 5,146 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4860% | 3,692 |
| Cost of funding earning assets | 0.8754% | 2,349 |
| Net interest margin | 3.6105% | 4,192 |
| Noninterest income to average assets | 0.2046% | 6,063 |
| Noninterest expense to average assets | 2.1389% | 6,086 |
| Loan and lease loss provision to assets | 0.2493% | 2,569 |
| Net operating income to assets | 0.7217% | 3,820 |
| Return on assets (ROA) | 0.8769% | 3,341 |
| Pretax return on assets | 1.3703% | 2,342 |
| Return on Equity (ROE) | 10.5681% | 2,108 |
| Retained earnings to average equity (ytd only) | 10.5681% | 771 |
| Net charge-offs to loans | 0.6865% | 1,606 |
| Credit loss provision to net charge-offs | 57.0866% | 4,236 |
| Earnings coverage of net charge-offs (x) | 3.1535% | 3,766 |
| Efficiency ratio | 60.8313% | 5,343 |
| Assets per employee ($millions) | 9.2729% | 297 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8742% | 2,564 |
| Loan loss allowance to noncurrent loans | 129.0611% | 2,599 |
| Noncurrent assets plus other real estate owned to assets | 2.3199% | 2,290 |
| Noncurrent loans to loans | 1.4522% | 3,626 |
| Net loans and leases to total assets | 61.1205% | 3,549 |
| Net loans and leases to deposits | 74.5323% | 3,216 |
| Net loans and leases to core deposits | 77.3157% | 3,568 |
| Total domestic deposits to total assets | 82.0053% | 5,024 |
| Equity capital to assets | 8.9064% | 5,911 |
| Core capital (leverage) ratio | 8.6967% | 5,481 |
| Tier 1 risk-based capital ratio | 12.7073% | 5,472 |
| Total risk-based capital ratio | 13.9621% | 5,435 |
| Memoranda: | ||
| Average total assets | $77,547,250 | 5,474 |
| Average earning assets | $71,123,500 | 5,455 |
| Average equity | $6,434,250 | 5,978 |
| Average total loans | $49,333,750 | 5,193 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5918% | 3,400 |
| Cost of funding earning assets | 0.9056% | 2,355 |
| Net interest margin | 3.6862% | 3,891 |
| Noninterest income to average assets | 0.3152% | 5,301 |
| Noninterest expense to average assets | 2.1305% | 6,174 |
| Loan and lease loss provision to assets | 0.2364% | 2,706 |
| Net operating income to assets | 0.9182% | 2,818 |
| Return on assets (ROA) | 1.1568% | 2,067 |
| Pretax return on assets | 1.6678% | 1,346 |
| Return on Equity (ROE) | 14.2708% | 1,056 |
| Retained earnings to average equity (ytd only) | 14.2708% | 325 |
| Net charge-offs to loans | 0.9092% | 1,212 |
| Credit loss provision to net charge-offs | 40.6114% | 4,245 |
| Earnings coverage of net charge-offs (x) | 2.6769% | 3,671 |
| Efficiency ratio | 57.7533% | 5,901 |
| Assets per employee ($millions) | 6.9308% | 749 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6489% | 3,432 |
| Loan loss allowance to noncurrent loans | 120.5460% | 2,717 |
| Noncurrent assets plus other real estate owned to assets | 2.3741% | 2,350 |
| Noncurrent loans to loans | 1.3679% | 3,866 |
| Net loans and leases to total assets | 65.6383% | 2,745 |
| Net loans and leases to deposits | 78.8224% | 2,547 |
| Net loans and leases to core deposits | 81.6239% | 3,003 |
| Total domestic deposits to total assets | 83.2737% | 4,637 |
| Equity capital to assets | 8.5416% | 6,169 |
| Core capital (leverage) ratio | 8.2858% | 5,935 |
| Tier 1 risk-based capital ratio | 11.6231% | 6,158 |
| Total risk-based capital ratio | 12.8759% | 6,133 |
| Memoranda: | ||
| Average total assets | $78,668,670 | 5,476 |
| Average earning assets | $71,997,330 | 5,458 |
| Average equity | $6,376,670 | 6,021 |
| Average total loans | $50,376,000 | 5,179 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8011% | 2,638 |
| Cost of funding earning assets | 0.9624% | 2,216 |
| Net interest margin | 3.8387% | 3,197 |
| Noninterest income to average assets | 0.2504% | 5,853 |
| Noninterest expense to average assets | 1.9679% | 6,521 |
| Loan and lease loss provision to assets | 0.4607% | 1,337 |
| Net operating income to assets | 1.2741% | 1,526 |
| Return on assets (ROA) | 1.5072% | 1,126 |
| Pretax return on assets | 1.5823% | 1,626 |
| Return on Equity (ROE) | 19.0838% | 449 |
| Retained earnings to average equity (ytd only) | 19.0838% | 215 |
| Net charge-offs to loans | 0.8300% | 1,239 |
| Credit loss provision to net charge-offs | 88.4615% | 2,575 |
| Earnings coverage of net charge-offs (x) | 3.4519% | 2,835 |
| Efficiency ratio | 52.2606% | 6,514 |
| Assets per employee ($millions) | 7.1595% | 691 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9025% | 2,664 |
| Loan loss allowance to noncurrent loans | 67.8169% | 4,132 |
| Noncurrent assets plus other real estate owned to assets | 2.5256% | 2,349 |
| Noncurrent loans to loans | 2.8054% | 2,300 |
| Net loans and leases to total assets | 63.0487% | 3,034 |
| Net loans and leases to deposits | 74.4549% | 3,056 |
| Net loans and leases to core deposits | 76.6691% | 3,531 |
| Total domestic deposits to total assets | 84.6803% | 4,168 |
| Equity capital to assets | 8.1811% | 6,377 |
| Core capital (leverage) ratio | 7.7230% | 6,464 |
| Tier 1 risk-based capital ratio | 11.5417% | 6,255 |
| Total risk-based capital ratio | 12.7975% | 6,227 |
| Memoranda: | ||
| Average total assets | $79,883,500 | 5,479 |
| Average earning assets | $73,150,500 | 5,463 |
| Average equity | $6,309,000 | 6,068 |
| Average total loans | $50,123,500 | 5,226 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0397% | 2,713 |
| Cost of funding earning assets | 1.2376% | 1,801 |
| Net interest margin | 3.8020% | 3,807 |
| Noninterest income to average assets | -0.0488% | 7,057 |
| Noninterest expense to average assets | 2.1445% | 6,396 |
| Loan and lease loss provision to assets | 0.5072% | 2,072 |
| Net operating income to assets | -0.2391% | 6,293 |
| Return on assets (ROA) | -0.3377% | 6,422 |
| Pretax return on assets | 0.5971% | 4,704 |
| Return on Equity (ROE) | -4.1177% | 6,477 |
| Retained earnings to average equity (ytd only) | -4.1177% | 6,379 |
| Net charge-offs to loans | 0.4526% | 3,172 |
| Credit loss provision to net charge-offs | 190.8213% | 1,338 |
| Earnings coverage of net charge-offs (x) | 4.7343% | 2,997 |
| Efficiency ratio | 63.0189% | 5,295 |
| Assets per employee ($millions) | 7.3647% | 608 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9645% | 2,389 |
| Loan loss allowance to noncurrent loans | 181.5642% | 1,811 |
| Noncurrent assets plus other real estate owned to assets | 1.6232% | 3,522 |
| Noncurrent loans to loans | 1.0820% | 4,549 |
| Net loans and leases to total assets | 60.0590% | 3,977 |
| Net loans and leases to deposits | 72.2807% | 3,760 |
| Net loans and leases to core deposits | 73.5014% | 4,304 |
| Total domestic deposits to total assets | 83.0914% | 4,709 |
| Equity capital to assets | 7.6223% | 6,760 |
| Core capital (leverage) ratio | 7.4151% | 6,695 |
| Tier 1 risk-based capital ratio | 11.1310% | 6,387 |
| Total risk-based capital ratio | 12.3879% | 6,359 |
| Memoranda: | ||
| Average total assets | $77,874,600 | 5,507 |
| Average earning assets | $70,699,000 | 5,514 |
| Average equity | $6,387,000 | 6,044 |
| Average total loans | $45,735,000 | 5,435 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0812% | 2,702 |
| Cost of funding earning assets | 1.3095% | 1,651 |
| Net interest margin | 3.7717% | 4,006 |
| Noninterest income to average assets | 0.0709% | 6,876 |
| Noninterest expense to average assets | 2.1757% | 6,328 |
| Loan and lease loss provision to assets | 0.2075% | 3,940 |
| Net operating income to assets | 0.8306% | 3,019 |
| Return on assets (ROA) | 0.9962% | 2,487 |
| Pretax return on assets | 1.3179% | 2,231 |
| Return on Equity (ROE) | 11.9252% | 1,568 |
| Retained earnings to average equity (ytd only) | 11.9252% | 505 |
| Net charge-offs to loans | 0.4677% | 2,865 |
| Credit loss provision to net charge-offs | 76.4331% | 4,264 |
| Earnings coverage of net charge-offs (x) | 4.8152% | 2,953 |
| Efficiency ratio | 62.4628% | 5,339 |
| Assets per employee ($millions) | 7.8025% | 508 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6070% | 3,630 |
| Loan loss allowance to noncurrent loans | 182.9268% | 1,671 |
| Noncurrent assets plus other real estate owned to assets | 1.6559% | 3,598 |
| Noncurrent loans to loans | 0.8785% | 5,099 |
| Net loans and leases to total assets | 58.8555% | 4,346 |
| Net loans and leases to deposits | 72.1001% | 3,972 |
| Net loans and leases to core deposits | 73.9771% | 4,444 |
| Total domestic deposits to total assets | 81.6302% | 5,211 |
| Equity capital to assets | 8.8459% | 5,925 |
| Core capital (leverage) ratio | 8.4201% | 5,826 |
| Tier 1 risk-based capital ratio | 12.7794% | 5,267 |
| Total risk-based capital ratio | 14.0306% | 5,253 |
| Memoranda: | ||
| Average total assets | $77,090,250 | 5,573 |
| Average earning assets | $69,745,750 | 5,591 |
| Average equity | $6,440,000 | 6,072 |
| Average total loans | $44,761,250 | 5,528 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8966% | 3,637 |
| Cost of funding earning assets | 1.3722% | 1,540 |
| Net interest margin | 3.5244% | 5,047 |
| Noninterest income to average assets | 0.0860% | 6,897 |
| Noninterest expense to average assets | 2.1907% | 6,408 |
| Loan and lease loss provision to assets | 0.2605% | 3,318 |
| Net operating income to assets | 0.6620% | 3,730 |
| Return on assets (ROA) | 0.8857% | 2,813 |
| Pretax return on assets | 1.0888% | 2,895 |
| Return on Equity (ROE) | 10.8177% | 1,861 |
| Retained earnings to average equity (ytd only) | 10.8177% | 699 |
| Net charge-offs to loans | 0.6890% | 2,119 |
| Credit loss provision to net charge-offs | 65.7895% | 4,179 |
| Earnings coverage of net charge-offs (x) | 2.7105% | 3,488 |
| Efficiency ratio | 67.1189% | 4,678 |
| Assets per employee ($millions) | 8.0827% | 441 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5208% | 4,030 |
| Loan loss allowance to noncurrent loans | 168.5780% | 1,779 |
| Noncurrent assets plus other real estate owned to assets | 1.6950% | 3,646 |
| Noncurrent loans to loans | 0.9021% | 5,160 |
| Net loans and leases to total assets | 58.8850% | 4,487 |
| Net loans and leases to deposits | 72.1180% | 4,092 |
| Net loans and leases to core deposits | 73.9168% | 4,588 |
| Total domestic deposits to total assets | 81.6509% | 5,296 |
| Equity capital to assets | 8.1866% | 6,529 |
| Core capital (leverage) ratio | 8.5135% | 5,531 |
| Tier 1 risk-based capital ratio | 11.8349% | 5,909 |
| Total risk-based capital ratio | 13.0868% | 5,888 |
| Memoranda: | ||
| Average total assets | $76,778,670 | 5,627 |
| Average earning assets | $69,231,330 | 5,650 |
| Average equity | $6,286,000 | 6,145 |
| Average total loans | $44,124,330 | 5,610 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8940% | 3,617 |
| Cost of funding earning assets | 1.4962% | 1,177 |
| Net interest margin | 3.3978% | 5,435 |
| Noninterest income to average assets | 0.0000% | 7,288 |
| Noninterest expense to average assets | 2.3116% | 6,156 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.7202% | 3,434 |
| Return on assets (ROA) | 0.8775% | 2,731 |
| Pretax return on assets | 0.8989% | 3,498 |
| Return on Equity (ROE) | 10.7181% | 1,828 |
| Retained earnings to average equity (ytd only) | 10.7181% | 951 |
| Net charge-offs to loans | 0.4950% | 2,238 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 2.6538% | 3,014 |
| Efficiency ratio | 75.7895% | 3,187 |
| Assets per employee ($millions) | 6.8181% | 806 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8001% | 3,013 |
| Loan loss allowance to noncurrent loans | 97.8695% | 2,922 |
| Noncurrent assets plus other real estate owned to assets | 2.2507% | 3,003 |
| Noncurrent loans to loans | 1.8393% | 3,778 |
| Net loans and leases to total assets | 53.4607% | 5,386 |
| Net loans and leases to deposits | 65.3748% | 5,068 |
| Net loans and leases to core deposits | 66.5632% | 5,456 |
| Total domestic deposits to total assets | 81.7758% | 5,399 |
| Equity capital to assets | 8.2574% | 6,212 |
| Core capital (leverage) ratio | 8.3328% | 5,743 |
| Tier 1 risk-based capital ratio | 13.0498% | 4,791 |
| Total risk-based capital ratio | 14.3034% | 4,770 |
| Memoranda: | ||
| Average total assets | $74,754,500 | 5,736 |
| Average earning assets | $67,102,500 | 5,762 |
| Average equity | $6,120,500 | 6,204 |
| Average total loans | $42,021,500 | 5,756 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8276% | 5,322 |
| Cost of funding earning assets | 1.7111% | 1,551 |
| Net interest margin | 3.1166% | 6,473 |
| Noninterest income to average assets | 0.1051% | 6,870 |
| Noninterest expense to average assets | 2.1382% | 6,756 |
| Loan and lease loss provision to assets | 1.1526% | 1,377 |
| Net operating income to assets | -0.1233% | 6,018 |
| Return on assets (ROA) | -0.3798% | 6,319 |
| Pretax return on assets | -0.7714% | 6,504 |
| Return on Equity (ROE) | -4.5027% | 6,389 |
| Retained earnings to average equity (ytd only) | -4.5027% | 6,247 |
| Net charge-offs to loans | 1.7385% | 1,241 |
| Credit loss provision to net charge-offs | 108.0049% | 4,101 |
| Earnings coverage of net charge-offs (x) | 0.7328% | 5,386 |
| Efficiency ratio | 73.2223% | 3,550 |
| Assets per employee ($millions) | 7.4510% | 605 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8212% | 2,794 |
| Loan loss allowance to noncurrent loans | 72.2018% | 3,841 |
| Noncurrent assets plus other real estate owned to assets | 3.4250% | 2,039 |
| Noncurrent loans to loans | 2.5224% | 3,006 |
| Net loans and leases to total assets | 56.9400% | 5,197 |
| Net loans and leases to deposits | 68.8131% | 4,980 |
| Net loans and leases to core deposits | 69.4393% | 5,499 |
| Total domestic deposits to total assets | 82.7459% | 4,914 |
| Equity capital to assets | 8.1170% | 6,364 |
| Core capital (leverage) ratio | 8.3520% | 5,607 |
| Tier 1 risk-based capital ratio | 12.0356% | 5,441 |
| Total risk-based capital ratio | 13.2890% | 5,421 |
| Memoranda: | ||
| Average total assets | $76,090,600 | 5,710 |
| Average earning assets | $68,729,200 | 5,708 |
| Average equity | $6,418,400 | 6,227 |
| Average total loans | $46,707,200 | 5,608 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8822% | 5,345 |
| Cost of funding earning assets | 1.7755% | 1,527 |
| Net interest margin | 3.1067% | 6,599 |
| Noninterest income to average assets | 0.2423% | 6,156 |
| Noninterest expense to average assets | 2.1058% | 6,835 |
| Loan and lease loss provision to assets | 1.1958% | 1,198 |
| Net operating income to assets | -0.2214% | 6,347 |
| Return on assets (ROA) | 0.1499% | 5,796 |
| Pretax return on assets | 0.1273% | 5,873 |
| Return on Equity (ROE) | 1.7610% | 5,688 |
| Retained earnings to average equity (ytd only) | 1.7610% | 5,087 |
| Net charge-offs to loans | 1.4795% | 1,361 |
| Credit loss provision to net charge-offs | 129.9242% | 3,112 |
| Earnings coverage of net charge-offs (x) | 1.0341% | 5,026 |
| Efficiency ratio | 68.8712% | 4,293 |
| Assets per employee ($millions) | 9.1366% | 335 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9559% | 2,341 |
| Loan loss allowance to noncurrent loans | 43.0528% | 5,415 |
| Noncurrent assets plus other real estate owned to assets | 3.9717% | 1,767 |
| Noncurrent loans to loans | 4.5430% | 1,585 |
| Net loans and leases to total assets | 60.3505% | 4,843 |
| Net loans and leases to deposits | 73.3842% | 4,620 |
| Net loans and leases to core deposits | 76.2379% | 5,027 |
| Total domestic deposits to total assets | 82.2391% | 4,898 |
| Equity capital to assets | 8.8148% | 5,842 |
| Core capital (leverage) ratio | 8.7673% | 5,072 |
| Tier 1 risk-based capital ratio | 12.5393% | 4,944 |
| Total risk-based capital ratio | 13.7952% | 4,922 |
| Memoranda: | ||
| Average total assets | $76,485,750 | 5,754 |
| Average earning assets | $69,311,750 | 5,761 |
| Average equity | $6,511,000 | 6,273 |
| Average total loans | $47,580,750 | 5,660 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0103% | 4,898 |
| Cost of funding earning assets | 1.8113% | 1,601 |
| Net interest margin | 3.1990% | 6,323 |
| Noninterest income to average assets | 0.2113% | 6,411 |
| Noninterest expense to average assets | 2.0846% | 6,955 |
| Loan and lease loss provision to assets | 0.7344% | 1,975 |
| Net operating income to assets | 0.2057% | 5,539 |
| Return on assets (ROA) | 0.6777% | 3,644 |
| Pretax return on assets | 0.9560% | 3,289 |
| Return on Equity (ROE) | 8.0506% | 2,866 |
| Retained earnings to average equity (ytd only) | 8.0506% | 1,421 |
| Net charge-offs to loans | 1.2840% | 1,485 |
| Credit loss provision to net charge-offs | 91.6399% | 4,376 |
| Earnings coverage of net charge-offs (x) | 1.2797% | 4,546 |
| Efficiency ratio | 67.0257% | 4,758 |
| Assets per employee ($millions) | 8.3150% | 442 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5259% | 3,791 |
| Loan loss allowance to noncurrent loans | 34.5238% | 6,066 |
| Noncurrent assets plus other real estate owned to assets | 3.8418% | 1,806 |
| Noncurrent loans to loans | 4.4198% | 1,652 |
| Net loans and leases to total assets | 60.0214% | 5,052 |
| Net loans and leases to deposits | 74.7695% | 4,555 |
| Net loans and leases to core deposits | 79.0876% | 4,789 |
| Total domestic deposits to total assets | 80.2753% | 5,641 |
| Equity capital to assets | 8.8488% | 5,670 |
| Core capital (leverage) ratio | 8.7857% | 4,939 |
| Tier 1 risk-based capital ratio | 12.8177% | 4,591 |
| Total risk-based capital ratio | 14.0693% | 4,550 |
| Memoranda: | ||
| Average total assets | $77,616,670 | 5,762 |
| Average earning assets | $70,334,670 | 5,757 |
| Average equity | $6,533,670 | 6,288 |
| Average total loans | $48,443,670 | 5,668 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0239% | 4,910 |
| Cost of funding earning assets | 1.8707% | 1,566 |
| Net interest margin | 3.1532% | 6,443 |
| Noninterest income to average assets | 0.1974% | 6,547 |
| Noninterest expense to average assets | 2.0504% | 7,060 |
| Loan and lease loss provision to assets | 1.4429% | 820 |
| Net operating income to assets | -0.3235% | 6,689 |
| Return on assets (ROA) | 0.5265% | 4,393 |
| Pretax return on assets | 0.7189% | 4,170 |
| Return on Equity (ROE) | 6.4104% | 3,663 |
| Retained earnings to average equity (ytd only) | 6.4104% | 2,406 |
| Net charge-offs to loans | 1.2275% | 1,388 |
| Credit loss provision to net charge-offs | 186.2745% | 1,967 |
| Earnings coverage of net charge-offs (x) | 1.2876% | 3,978 |
| Efficiency ratio | 67.2757% | 4,859 |
| Assets per employee ($millions) | 7.9006% | 533 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7317% | 2,955 |
| Loan loss allowance to noncurrent loans | 62.4269% | 4,251 |
| Noncurrent assets plus other real estate owned to assets | 2.8188% | 2,576 |
| Noncurrent loans to loans | 2.7739% | 2,882 |
| Net loans and leases to total assets | 61.3409% | 4,886 |
| Net loans and leases to deposits | 76.7621% | 4,270 |
| Net loans and leases to core deposits | 80.6843% | 4,676 |
| Total domestic deposits to total assets | 79.9104% | 5,813 |
| Equity capital to assets | 8.1627% | 6,480 |
| Core capital (leverage) ratio | 8.3994% | 5,559 |
| Tier 1 risk-based capital ratio | 11.8578% | 5,338 |
| Total risk-based capital ratio | 13.1106% | 5,281 |
| Memoranda: | ||
| Average total assets | $79,007,500 | 5,797 |
| Average earning assets | $71,418,500 | 5,803 |
| Average equity | $6,489,500 | 6,350 |
| Average total loans | $49,859,000 | 5,675 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4897% | 4,199 |
| Cost of funding earning assets | 2.5816% | 823 |
| Net interest margin | 2.9081% | 6,851 |
| Noninterest income to average assets | 0.2840% | 6,071 |
| Noninterest expense to average assets | 2.5651% | 5,908 |
| Loan and lease loss provision to assets | 0.0412% | 7,136 |
| Net operating income to assets | 0.2740% | 4,630 |
| Return on assets (ROA) | -0.2380% | 5,882 |
| Pretax return on assets | -0.4360% | 5,952 |
| Return on Equity (ROE) | -3.1798% | 6,009 |
| Retained earnings to average equity (ytd only) | -4.7540% | 5,990 |
| Net charge-offs to loans | 0.2880% | 4,834 |
| Credit loss provision to net charge-offs | 23.6486% | 6,925 |
| Earnings coverage of net charge-offs (x) | 2.3243% | 3,983 |
| Efficiency ratio | 86.3546% | 2,071 |
| Assets per employee ($millions) | 6.5841% | 955 |
| Cash dividends to net income (ytd only)* | -49.5050% | 7,819 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4325% | 4,063 |
| Loan loss allowance to noncurrent loans | 266.4207% | 1,145 |
| Noncurrent assets plus other real estate owned to assets | 1.4302% | 4,272 |
| Noncurrent loans to loans | 0.5377% | 6,175 |
| Net loans and leases to total assets | 62.8776% | 4,837 |
| Net loans and leases to deposits | 76.8787% | 4,591 |
| Net loans and leases to core deposits | 94.3625% | 4,642 |
| Total domestic deposits to total assets | 81.7882% | 5,038 |
| Equity capital to assets | 8.2649% | 6,254 |
| Core capital (leverage) ratio | 8.0209% | 6,140 |
| Tier 1 risk-based capital ratio | 11.2449% | 5,673 |
| Total risk-based capital ratio | 12.4956% | 5,623 |
| Memoranda: | ||
| Average total assets | $84,871,000 | 5,566 |
| Average earning assets | $78,401,000 | 5,516 |
| Average equity | $6,352,600 | 6,480 |
| Average total loans | $51,393,400 | 5,609 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3238% | 5,307 |
| Cost of funding earning assets | 2.7159% | 761 |
| Net interest margin | 2.6078% | 7,345 |
| Noninterest income to average assets | 0.2147% | 6,699 |
| Noninterest expense to average assets | 2.5110% | 6,037 |
| Loan and lease loss provision to assets | 0.0541% | 6,836 |
| Net operating income to assets | 0.0809% | 5,526 |
| Return on assets (ROA) | -0.6949% | 6,614 |
| Pretax return on assets | -1.1412% | 6,785 |
| Return on Equity (ROE) | -9.5112% | 6,859 |
| Retained earnings to average equity (ytd only) | -11.6248% | 6,926 |
| Net charge-offs to loans | 0.2349% | 4,586 |
| Credit loss provision to net charge-offs | 38.4615% | 6,438 |
| Earnings coverage of net charge-offs (x) | 0.8901% | 5,167 |
| Efficiency ratio | 95.2548% | 1,317 |
| Assets per employee ($millions) | 6.8045% | 859 |
| Cash dividends to net income (ytd only)* | -22.2220% | 7,856 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4429% | 3,723 |
| Loan loss allowance to noncurrent loans | 66.8670% | 3,977 |
| Noncurrent assets plus other real estate owned to assets | 1.4268% | 4,250 |
| Noncurrent loans to loans | 2.1579% | 3,435 |
| Net loans and leases to total assets | 65.1628% | 4,611 |
| Net loans and leases to deposits | 77.0739% | 4,887 |
| Net loans and leases to core deposits | 91.8615% | 5,245 |
| Total domestic deposits to total assets | 84.5458% | 3,455 |
| Equity capital to assets | 7.6824% | 7,168 |
| Core capital (leverage) ratio | 7.4593% | 7,024 |
| Tier 1 risk-based capital ratio | 10.0203% | 6,959 |
| Total risk-based capital ratio | 11.2706% | 6,914 |
| Memoranda: | ||
| Average total assets | $86,336,500 | 5,541 |
| Average earning assets | $80,166,500 | 5,489 |
| Average equity | $6,308,250 | 6,553 |
| Average total loans | $51,641,500 | 5,643 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3911% | 5,195 |
| Cost of funding earning assets | 2.8522% | 686 |
| Net interest margin | 2.5389% | 7,427 |
| Noninterest income to average assets | 0.2025% | 6,849 |
| Noninterest expense to average assets | 2.2640% | 6,871 |
| Loan and lease loss provision to assets | 0.0796% | 6,392 |
| Net operating income to assets | 0.1977% | 5,270 |
| Return on assets (ROA) | -1.1377% | 7,083 |
| Pretax return on assets | -1.8681% | 7,238 |
| Return on Equity (ROE) | -15.8228% | 7,370 |
| Retained earnings to average equity (ytd only) | -18.9873% | 7,424 |
| Net charge-offs to loans | 0.1888% | 4,375 |
| Credit loss provision to net charge-offs | 72.9167% | 5,365 |
| Earnings coverage of net charge-offs (x) | 2.7292% | 3,718 |
| Efficiency ratio | 88.3659% | 1,963 |
| Assets per employee ($millions) | 6.6270% | 916 |
| Cash dividends to net income (ytd only)* | -20.0000% | 7,935 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7480% | 2,192 |
| Loan loss allowance to noncurrent loans | 87.7268% | 3,245 |
| Noncurrent assets plus other real estate owned to assets | 1.0876% | 4,780 |
| Noncurrent loans to loans | 1.9926% | 3,535 |
| Net loans and leases to total assets | 53.6291% | 6,504 |
| Net loans and leases to deposits | 62.7821% | 6,678 |
| Net loans and leases to core deposits | 77.6204% | 6,567 |
| Total domestic deposits to total assets | 85.4209% | 3,053 |
| Equity capital to assets | 7.1061% | 7,549 |
| Core capital (leverage) ratio | 7.1217% | 7,434 |
| Tier 1 risk-based capital ratio | 10.9898% | 5,883 |
| Total risk-based capital ratio | 12.2414% | 5,819 |
| Memoranda: | ||
| Average total assets | $87,897,330 | 5,529 |
| Average earning assets | $81,690,000 | 5,480 |
| Average equity | $6,320,000 | 6,604 |
| Average total loans | $50,859,670 | 5,730 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5520% | 4,628 |
| Cost of funding earning assets | 2.9387% | 700 |
| Net interest margin | 2.6133% | 7,351 |
| Noninterest income to average assets | 0.1847% | 6,975 |
| Noninterest expense to average assets | 2.2170% | 6,821 |
| Loan and lease loss provision to assets | 0.1577% | 4,914 |
| Net operating income to assets | 0.1613% | 5,783 |
| Return on assets (ROA) | 1.3428% | 1,372 |
| Pretax return on assets | 1.9466% | 732 |
| Return on Equity (ROE) | 18.5699% | 545 |
| Retained earnings to average equity (ytd only) | 18.5699% | 214 |
| Net charge-offs to loans | 0.3638% | 2,642 |
| Credit loss provision to net charge-offs | 72.9167% | 4,303 |
| Earnings coverage of net charge-offs (x) | 1.8125% | 3,821 |
| Efficiency ratio | 84.9741% | 2,197 |
| Assets per employee ($millions) | 6.7950% | 847 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5389% | 2,769 |
| Loan loss allowance to noncurrent loans | 74.5240% | 3,892 |
| Noncurrent assets plus other real estate owned to assets | 1.2487% | 4,185 |
| Noncurrent loans to loans | 2.0650% | 3,177 |
| Net loans and leases to total assets | 59.5381% | 5,729 |
| Net loans and leases to deposits | 68.4074% | 6,143 |
| Net loans and leases to core deposits | 85.3838% | 5,961 |
| Total domestic deposits to total assets | 87.0346% | 2,200 |
| Equity capital to assets | 7.3833% | 7,433 |
| Core capital (leverage) ratio | 7.4527% | 7,209 |
| Tier 1 risk-based capital ratio | 7.6503% | 8,041 |
| Total risk-based capital ratio | 8.6150% | 8,082 |
| Memoranda: | ||
| Average total assets | $88,770,500 | 5,530 |
| Average earning assets | $82,348,000 | 5,477 |
| Average equity | $6,419,000 | 6,608 |
| Average total loans | $52,777,500 | 5,677 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2938% | 3,991 |
| Cost of funding earning assets | 3.7590% | 224 |
| Net interest margin | 2.5348% | 7,716 |
| Noninterest income to average assets | 0.2227% | 6,852 |
| Noninterest expense to average assets | 2.3202% | 6,640 |
| Loan and lease loss provision to assets | 0.4832% | 2,885 |
| Net operating income to assets | -0.1020% | 6,497 |
| Return on assets (ROA) | 0.0557% | 6,073 |
| Pretax return on assets | -0.0118% | 6,168 |
| Return on Equity (ROE) | 0.7655% | 5,984 |
| Retained earnings to average equity (ytd only) | 0.7655% | 4,766 |
| Net charge-offs to loans | 0.2129% | 4,082 |
| Credit loss provision to net charge-offs | 370.9091% | 1,192 |
| Earnings coverage of net charge-offs (x) | 1.7273% | 5,213 |
| Efficiency ratio | 91.1587% | 1,433 |
| Assets per employee ($millions) | 7.4338% | 589 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6015% | 2,241 |
| Loan loss allowance to noncurrent loans | 93.8202% | 3,634 |
| Noncurrent assets plus other real estate owned to assets | 0.9977% | 4,343 |
| Noncurrent loans to loans | 1.7069% | 3,212 |
| Net loans and leases to total assets | 57.5129% | 6,271 |
| Net loans and leases to deposits | 64.9833% | 6,719 |
| Net loans and leases to core deposits | 81.5323% | 6,490 |
| Total domestic deposits to total assets | 88.5041% | 1,245 |
| Equity capital to assets | 7.0802% | 7,697 |
| Core capital (leverage) ratio | 7.1399% | 7,580 |
| Tier 1 risk-based capital ratio | 7.2600% | 8,155 |
| Total risk-based capital ratio | 8.2344% | 8,182 |
| Memoranda: | ||
| Average total assets | $84,432,400 | 5,541 |
| Average earning assets | $77,361,800 | 5,535 |
| Average equity | $6,139,400 | 6,756 |
| Average total loans | $51,677,800 | 5,634 |