Home > Gulfstream Business Bank > Performance and Condition Ratios
Gulfstream Business Bank, Performance and Condition Ratios
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8272% | 4,707 |
| Cost of funding earning assets | 0.3941% | 4,716 |
| Net interest margin | 3.4331% | 4,156 |
| Noninterest income to average assets | 0.3686% | 4,673 |
| Noninterest expense to average assets | 2.3981% | 5,074 |
| Loan and lease loss provision to assets | 0.0274% | 4,581 |
| Net operating income to assets | 0.7365% | 3,622 |
| Return on assets (ROA) | 0.7303% | 3,742 |
| Pretax return on assets | 1.1603% | 2,732 |
| Return on Equity (ROE) | 6.1414% | 4,002 |
| Retained earnings to average equity (ytd only) | -6.0776% | 6,417 |
| Net charge-offs to loans | 1.0649% | 531 |
| Credit loss provision to net charge-offs | 3.8825% | 4,665 |
| Earnings coverage of net charge-offs (x) | 1.6943% | 4,487 |
| Efficiency ratio | 66.6985% | 4,429 |
| Assets per employee ($millions) | 7.1445% | 709 |
| Cash dividends to net income (ytd only)* | 198.9619% | 82 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1808% | 378 |
| Loan loss allowance to noncurrent loans | 276.0378% | 1,595 |
| Noncurrent assets plus other real estate owned to assets | 1.4181% | 2,621 |
| Noncurrent loans to loans | 1.1523% | 3,234 |
| Net loans and leases to total assets | 67.0957% | 2,506 |
| Net loans and leases to deposits | 77.6889% | 2,766 |
| Net loans and leases to core deposits | 87.1681% | 2,328 |
| Total domestic deposits to total assets | 86.3646% | 3,067 |
| Equity capital to assets | 11.3073% | 2,331 |
| Core capital (leverage) ratio | 10.9624% | 2,425 |
| Tier 1 risk-based capital ratio | 15.3313% | 3,462 |
| Total risk-based capital ratio | 16.6039% | 3,404 |
| Memoranda: | ||
| Average total assets | $553,981,600 | 1,196 |
| Average earning assets | $520,697,400 | 1,165 |
| Average equity | $65,881,000 | 1,090 |
| Average total loans | $367,652,200 | 1,160 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7807% | 4,929 |
| Cost of funding earning assets | 0.3955% | 4,857 |
| Net interest margin | 3.3851% | 4,337 |
| Noninterest income to average assets | 0.4038% | 4,508 |
| Noninterest expense to average assets | 2.0459% | 5,934 |
| Loan and lease loss provision to assets | 0.2421% | 1,482 |
| Net operating income to assets | 0.8169% | 3,265 |
| Return on assets (ROA) | 0.8092% | 3,430 |
| Pretax return on assets | 1.2829% | 2,393 |
| Return on Equity (ROE) | 6.7240% | 3,811 |
| Retained earnings to average equity (ytd only) | 5.9280% | 2,458 |
| Net charge-offs to loans | 1.5289% | 297 |
| Credit loss provision to net charge-offs | 24.1231% | 3,995 |
| Earnings coverage of net charge-offs (x) | 1.5314% | 4,326 |
| Efficiency ratio | 57.1018% | 5,788 |
| Assets per employee ($millions) | 7.2979% | 645 |
| Cash dividends to net income (ytd only)* | 11.8378% | 3,411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3619% | 385 |
| Loan loss allowance to noncurrent loans | 310.1557% | 1,328 |
| Noncurrent assets plus other real estate owned to assets | 1.3669% | 2,912 |
| Noncurrent loans to loans | 1.0839% | 3,627 |
| Net loans and leases to total assets | 64.2079% | 2,967 |
| Net loans and leases to deposits | 76.2357% | 2,930 |
| Net loans and leases to core deposits | 86.5198% | 2,344 |
| Total domestic deposits to total assets | 84.2229% | 4,102 |
| Equity capital to assets | 12.1915% | 1,788 |
| Core capital (leverage) ratio | 12.1716% | 1,574 |
| Tier 1 risk-based capital ratio | 17.2215% | 2,621 |
| Total risk-based capital ratio | 18.4986% | 2,574 |
| Memoranda: | ||
| Average total assets | $556,731,000 | 1,202 |
| Average earning assets | $522,859,000 | 1,172 |
| Average equity | $67,002,000 | 1,078 |
| Average total loans | $365,493,250 | 1,172 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7583% | 4,964 |
| Cost of funding earning assets | 0.3972% | 4,971 |
| Net interest margin | 3.3611% | 4,341 |
| Noninterest income to average assets | 0.4227% | 4,359 |
| Noninterest expense to average assets | 2.0364% | 5,980 |
| Loan and lease loss provision to assets | 0.3777% | 858 |
| Net operating income to assets | 0.7278% | 3,682 |
| Return on assets (ROA) | 0.7251% | 3,861 |
| Pretax return on assets | 1.1607% | 2,837 |
| Return on Equity (ROE) | 6.0512% | 4,141 |
| Retained earnings to average equity (ytd only) | 6.0512% | 2,405 |
| Net charge-offs to loans | 1.8403% | 252 |
| Credit loss provision to net charge-offs | 31.3866% | 3,565 |
| Earnings coverage of net charge-offs (x) | 1.2821% | 4,113 |
| Efficiency ratio | 56.8969% | 5,864 |
| Assets per employee ($millions) | 7.1285% | 683 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6475% | 334 |
| Loan loss allowance to noncurrent loans | 268.2299% | 1,556 |
| Noncurrent assets plus other real estate owned to assets | 1.5347% | 2,803 |
| Noncurrent loans to loans | 1.3599% | 3,285 |
| Net loans and leases to total assets | 62.2601% | 3,241 |
| Net loans and leases to deposits | 73.0210% | 3,302 |
| Net loans and leases to core deposits | 82.8036% | 2,718 |
| Total domestic deposits to total assets | 85.2633% | 3,758 |
| Equity capital to assets | 11.8202% | 2,031 |
| Core capital (leverage) ratio | 11.9422% | 1,642 |
| Tier 1 risk-based capital ratio | 17.0555% | 2,691 |
| Total risk-based capital ratio | 18.3357% | 2,654 |
| Memoranda: | ||
| Average total assets | $554,994,670 | 1,205 |
| Average earning assets | $521,197,670 | 1,179 |
| Average equity | $66,499,670 | 1,087 |
| Average total loans | $362,870,330 | 1,172 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8353% | 4,698 |
| Cost of funding earning assets | 0.4052% | 5,050 |
| Net interest margin | 3.4302% | 4,009 |
| Noninterest income to average assets | 0.4370% | 4,207 |
| Noninterest expense to average assets | 2.3276% | 5,345 |
| Loan and lease loss provision to assets | 0.6394% | 386 |
| Net operating income to assets | 0.4258% | 5,022 |
| Return on assets (ROA) | 0.4202% | 5,197 |
| Pretax return on assets | 0.6723% | 4,697 |
| Return on Equity (ROE) | 3.4824% | 5,353 |
| Retained earnings to average equity (ytd only) | 3.4824% | 4,163 |
| Net charge-offs to loans | 3.5650% | 85 |
| Credit loss provision to net charge-offs | 27.2671% | 2,931 |
| Earnings coverage of net charge-offs (x) | 0.5631% | 3,630 |
| Efficiency ratio | 63.8021% | 5,037 |
| Assets per employee ($millions) | 6.7298% | 879 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7155% | 351 |
| Loan loss allowance to noncurrent loans | 331.4448% | 1,208 |
| Noncurrent assets plus other real estate owned to assets | 1.8215% | 2,582 |
| Noncurrent loans to loans | 1.1210% | 3,910 |
| Net loans and leases to total assets | 63.6885% | 2,773 |
| Net loans and leases to deposits | 74.6597% | 2,826 |
| Net loans and leases to core deposits | 85.2844% | 2,185 |
| Total domestic deposits to total assets | 85.3050% | 3,899 |
| Equity capital to assets | 12.1876% | 1,917 |
| Core capital (leverage) ratio | 12.1476% | 1,493 |
| Tier 1 risk-based capital ratio | 16.9479% | 2,772 |
| Total risk-based capital ratio | 18.2291% | 2,734 |
| Memoranda: | ||
| Average total assets | $547,353,500 | 1,235 |
| Average earning assets | $512,391,500 | 1,216 |
| Average equity | $66,045,500 | 1,114 |
| Average total loans | $360,057,500 | 1,189 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3464% | 4,033 |
| Cost of funding earning assets | 0.5974% | 4,382 |
| Net interest margin | 3.7490% | 3,443 |
| Noninterest income to average assets | 0.3281% | 5,111 |
| Noninterest expense to average assets | 2.1803% | 5,964 |
| Loan and lease loss provision to assets | 0.2376% | 2,758 |
| Net operating income to assets | 0.9138% | 2,749 |
| Return on assets (ROA) | 0.7828% | 3,607 |
| Pretax return on assets | 1.1950% | 2,825 |
| Return on Equity (ROE) | 6.7251% | 3,799 |
| Retained earnings to average equity (ytd only) | 6.0097% | 2,069 |
| Net charge-offs to loans | 0.6204% | 1,891 |
| Credit loss provision to net charge-offs | 56.5888% | 4,535 |
| Earnings coverage of net charge-offs (x) | 3.8841% | 3,561 |
| Efficiency ratio | 57.2060% | 5,934 |
| Assets per employee ($millions) | 6.8700% | 822 |
| Cash dividends to net income (ytd only)* | 10.6383% | 4,060 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3753% | 213 |
| Loan loss allowance to noncurrent loans | 449.4571% | 899 |
| Noncurrent assets plus other real estate owned to assets | 1.4842% | 3,161 |
| Noncurrent loans to loans | 0.9735% | 4,245 |
| Net loans and leases to total assets | 62.5576% | 3,155 |
| Net loans and leases to deposits | 72.5029% | 3,326 |
| Net loans and leases to core deposits | 82.3905% | 2,727 |
| Total domestic deposits to total assets | 86.2828% | 3,213 |
| Equity capital to assets | 11.9460% | 2,077 |
| Core capital (leverage) ratio | 11.9663% | 1,584 |
| Tier 1 risk-based capital ratio | 16.8502% | 2,724 |
| Total risk-based capital ratio | 18.1057% | 2,686 |
| Memoranda: | ||
| Average total assets | $540,340,800 | 1,237 |
| Average earning assets | $502,030,000 | 1,208 |
| Average equity | $62,898,600 | 1,131 |
| Average total loans | $365,716,400 | 1,141 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4405% | 3,881 |
| Cost of funding earning assets | 0.6369% | 4,298 |
| Net interest margin | 3.8036% | 3,324 |
| Noninterest income to average assets | 0.3125% | 5,285 |
| Noninterest expense to average assets | 2.1641% | 6,029 |
| Loan and lease loss provision to assets | 0.7541% | 656 |
| Net operating income to assets | 0.6085% | 4,353 |
| Return on assets (ROA) | 0.5987% | 4,666 |
| Pretax return on assets | 0.9077% | 4,073 |
| Return on Equity (ROE) | 5.1781% | 4,736 |
| Retained earnings to average equity (ytd only) | 4.8566% | 3,472 |
| Net charge-offs to loans | 0.6288% | 1,746 |
| Credit loss provision to net charge-offs | 175.6928% | 1,581 |
| Earnings coverage of net charge-offs (x) | 3.9065% | 3,461 |
| Efficiency ratio | 56.3456% | 6,011 |
| Assets per employee ($millions) | 6.8356% | 796 |
| Cash dividends to net income (ytd only)* | 6.2088% | 3,559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8939% | 155 |
| Loan loss allowance to noncurrent loans | 378.1040% | 995 |
| Noncurrent assets plus other real estate owned to assets | 2.2598% | 2,357 |
| Noncurrent loans to loans | 1.2943% | 3,877 |
| Net loans and leases to total assets | 65.7097% | 2,709 |
| Net loans and leases to deposits | 77.5012% | 2,729 |
| Net loans and leases to core deposits | 86.4484% | 2,404 |
| Total domestic deposits to total assets | 84.7854% | 3,842 |
| Equity capital to assets | 11.8885% | 2,362 |
| Core capital (leverage) ratio | 11.7755% | 1,788 |
| Tier 1 risk-based capital ratio | 16.2076% | 3,163 |
| Total risk-based capital ratio | 17.5010% | 3,100 |
| Memoranda: | ||
| Average total assets | $538,027,000 | 1,253 |
| Average earning assets | $499,095,500 | 1,229 |
| Average equity | $62,209,500 | 1,154 |
| Average total loans | $367,259,250 | 1,150 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4769% | 3,863 |
| Cost of funding earning assets | 0.6879% | 4,116 |
| Net interest margin | 3.7890% | 3,417 |
| Noninterest income to average assets | 0.2883% | 5,503 |
| Noninterest expense to average assets | 2.1937% | 6,025 |
| Loan and lease loss provision to assets | 0.8317% | 586 |
| Net operating income to assets | 0.4945% | 4,841 |
| Return on assets (ROA) | 0.4803% | 5,155 |
| Pretax return on assets | 0.7538% | 4,632 |
| Return on Equity (ROE) | 4.1930% | 5,184 |
| Retained earnings to average equity (ytd only) | 3.7077% | 4,135 |
| Net charge-offs to loans | 0.2022% | 3,368 |
| Credit loss provision to net charge-offs | 604.8518% | 515 |
| Earnings coverage of net charge-offs (x) | 11.6927% | 1,940 |
| Efficiency ratio | 57.7069% | 5,903 |
| Assets per employee ($millions) | 6.7156% | 845 |
| Cash dividends to net income (ytd only)* | 11.5741% | 3,252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9869% | 168 |
| Loan loss allowance to noncurrent loans | 307.1204% | 1,166 |
| Noncurrent assets plus other real estate owned to assets | 2.2306% | 2,510 |
| Noncurrent loans to loans | 1.6238% | 3,473 |
| Net loans and leases to total assets | 66.7604% | 2,512 |
| Net loans and leases to deposits | 78.4993% | 2,599 |
| Net loans and leases to core deposits | 88.3872% | 2,165 |
| Total domestic deposits to total assets | 85.0459% | 3,834 |
| Equity capital to assets | 11.7151% | 2,395 |
| Core capital (leverage) ratio | 11.3619% | 1,999 |
| Tier 1 risk-based capital ratio | 15.5812% | 3,391 |
| Total risk-based capital ratio | 16.8768% | 3,336 |
| Memoranda: | ||
| Average total assets | $539,642,670 | 1,255 |
| Average earning assets | $500,348,000 | 1,230 |
| Average equity | $61,817,000 | 1,154 |
| Average total loans | $366,886,000 | 1,151 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5316% | 3,789 |
| Cost of funding earning assets | 0.7668% | 3,724 |
| Net interest margin | 3.7648% | 3,541 |
| Noninterest income to average assets | 0.4667% | 4,173 |
| Noninterest expense to average assets | 2.0926% | 6,284 |
| Loan and lease loss provision to assets | 0.9034% | 484 |
| Net operating income to assets | 0.5979% | 4,347 |
| Return on assets (ROA) | 0.5696% | 4,722 |
| Pretax return on assets | 0.9092% | 4,001 |
| Return on Equity (ROE) | 5.0285% | 4,774 |
| Retained earnings to average equity (ytd only) | 5.0285% | 3,544 |
| Net charge-offs to loans | 0.3440% | 2,273 |
| Credit loss provision to net charge-offs | 392.6518% | 799 |
| Earnings coverage of net charge-offs (x) | 8.0703% | 2,003 |
| Efficiency ratio | 52.9872% | 6,438 |
| Assets per employee ($millions) | 6.7812% | 846 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8560% | 196 |
| Loan loss allowance to noncurrent loans | 283.5799% | 1,184 |
| Noncurrent assets plus other real estate owned to assets | 2.2949% | 2,592 |
| Noncurrent loans to loans | 1.7124% | 3,544 |
| Net loans and leases to total assets | 63.6834% | 2,913 |
| Net loans and leases to deposits | 75.3043% | 2,924 |
| Net loans and leases to core deposits | 84.3998% | 2,499 |
| Total domestic deposits to total assets | 84.5681% | 4,243 |
| Equity capital to assets | 11.4605% | 2,474 |
| Core capital (leverage) ratio | 11.3135% | 2,026 |
| Tier 1 risk-based capital ratio | 16.0109% | 3,173 |
| Total risk-based capital ratio | 17.3052% | 3,113 |
| Memoranda: | ||
| Average total assets | $544,196,000 | 1,250 |
| Average earning assets | $503,393,500 | 1,221 |
| Average equity | $61,649,000 | 1,151 |
| Average total loans | $363,940,000 | 1,155 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9892% | 2,927 |
| Cost of funding earning assets | 1.0171% | 3,258 |
| Net interest margin | 3.9721% | 3,013 |
| Noninterest income to average assets | 0.2909% | 5,454 |
| Noninterest expense to average assets | 1.9393% | 6,780 |
| Loan and lease loss provision to assets | 0.9555% | 1,006 |
| Net operating income to assets | 0.6788% | 3,587 |
| Return on assets (ROA) | 0.6564% | 3,903 |
| Pretax return on assets | 1.0485% | 3,039 |
| Return on Equity (ROE) | 6.0616% | 3,845 |
| Retained earnings to average equity (ytd only) | 4.3617% | 3,073 |
| Net charge-offs to loans | 2.5849% | 436 |
| Credit loss provision to net charge-offs | 53.6290% | 5,330 |
| Earnings coverage of net charge-offs (x) | 1.1445% | 4,933 |
| Efficiency ratio | 48.7472% | 6,903 |
| Assets per employee ($millions) | 7.1828% | 664 |
| Cash dividends to net income (ytd only)* | 28.0438% | 3,202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5830% | 242 |
| Loan loss allowance to noncurrent loans | 207.0217% | 1,599 |
| Noncurrent assets plus other real estate owned to assets | 2.5652% | 2,364 |
| Noncurrent loans to loans | 2.2138% | 2,937 |
| Net loans and leases to total assets | 63.7575% | 3,245 |
| Net loans and leases to deposits | 79.4242% | 2,623 |
| Net loans and leases to core deposits | 89.3333% | 2,217 |
| Total domestic deposits to total assets | 80.2747% | 5,668 |
| Equity capital to assets | 11.1972% | 2,798 |
| Core capital (leverage) ratio | 11.0130% | 2,260 |
| Tier 1 risk-based capital ratio | 15.4504% | 3,361 |
| Total risk-based capital ratio | 16.7410% | 3,285 |
| Memoranda: | ||
| Average total assets | $556,798,400 | 1,185 |
| Average earning assets | $516,878,400 | 1,158 |
| Average equity | $60,297,400 | 1,118 |
| Average total loans | $383,773,400 | 1,107 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0467% | 2,857 |
| Cost of funding earning assets | 1.0528% | 3,299 |
| Net interest margin | 3.9938% | 2,936 |
| Noninterest income to average assets | 0.2871% | 5,554 |
| Noninterest expense to average assets | 1.9428% | 6,803 |
| Loan and lease loss provision to assets | 1.0366% | 814 |
| Net operating income to assets | 0.6384% | 3,930 |
| Return on assets (ROA) | 0.6384% | 4,115 |
| Pretax return on assets | 1.0194% | 3,332 |
| Return on Equity (ROE) | 5.9442% | 4,044 |
| Retained earnings to average equity (ytd only) | 3.6699% | 4,143 |
| Net charge-offs to loans | 2.4595% | 446 |
| Credit loss provision to net charge-offs | 60.6949% | 4,788 |
| Earnings coverage of net charge-offs (x) | 1.2039% | 4,723 |
| Efficiency ratio | 48.5847% | 6,916 |
| Assets per employee ($millions) | 7.1691% | 677 |
| Cash dividends to net income (ytd only)* | 38.2605% | 2,110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8975% | 201 |
| Loan loss allowance to noncurrent loans | 118.4758% | 2,522 |
| Noncurrent assets plus other real estate owned to assets | 3.7017% | 1,691 |
| Noncurrent loans to loans | 4.1337% | 1,597 |
| Net loans and leases to total assets | 65.9342% | 2,916 |
| Net loans and leases to deposits | 83.1748% | 2,148 |
| Net loans and leases to core deposits | 94.3304% | 1,765 |
| Total domestic deposits to total assets | 79.2719% | 5,931 |
| Equity capital to assets | 11.0103% | 3,136 |
| Core capital (leverage) ratio | 10.6165% | 2,742 |
| Tier 1 risk-based capital ratio | 14.5122% | 3,970 |
| Total risk-based capital ratio | 15.7845% | 3,931 |
| Memoranda: | ||
| Average total assets | $559,524,750 | 1,193 |
| Average earning assets | $519,988,250 | 1,161 |
| Average equity | $60,090,500 | 1,124 |
| Average total loans | $388,525,500 | 1,109 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1194% | 2,592 |
| Cost of funding earning assets | 1.0927% | 3,297 |
| Net interest margin | 4.0266% | 2,706 |
| Noninterest income to average assets | 0.2899% | 5,558 |
| Noninterest expense to average assets | 1.9741% | 6,844 |
| Loan and lease loss provision to assets | 1.0372% | 824 |
| Net operating income to assets | 0.6396% | 3,861 |
| Return on assets (ROA) | 0.6396% | 3,983 |
| Pretax return on assets | 1.0209% | 3,162 |
| Return on Equity (ROE) | 6.0043% | 3,969 |
| Retained earnings to average equity (ytd only) | 3.8421% | 3,758 |
| Net charge-offs to loans | 2.6120% | 432 |
| Credit loss provision to net charge-offs | 57.1568% | 4,410 |
| Earnings coverage of net charge-offs (x) | 1.1342% | 4,425 |
| Efficiency ratio | 48.9586% | 7,011 |
| Assets per employee ($millions) | 7.5035% | 568 |
| Cash dividends to net income (ytd only)* | 36.0111% | 2,231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8736% | 205 |
| Loan loss allowance to noncurrent loans | 234.1783% | 1,310 |
| Noncurrent assets plus other real estate owned to assets | 2.3555% | 2,795 |
| Noncurrent loans to loans | 2.0812% | 3,371 |
| Net loans and leases to total assets | 66.3256% | 2,965 |
| Net loans and leases to deposits | 82.6753% | 2,344 |
| Net loans and leases to core deposits | 93.8739% | 1,909 |
| Total domestic deposits to total assets | 80.2241% | 5,761 |
| Equity capital to assets | 10.8415% | 3,141 |
| Core capital (leverage) ratio | 10.2345% | 2,994 |
| Tier 1 risk-based capital ratio | 13.8552% | 4,265 |
| Total risk-based capital ratio | 15.1485% | 4,208 |
| Memoranda: | ||
| Average total assets | $564,414,670 | 1,188 |
| Average earning assets | $524,556,330 | 1,164 |
| Average equity | $60,124,000 | 1,112 |
| Average total loans | $392,118,670 | 1,106 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1978% | 2,226 |
| Cost of funding earning assets | 1.1130% | 3,438 |
| Net interest margin | 4.0849% | 2,323 |
| Noninterest income to average assets | 0.2611% | 5,794 |
| Noninterest expense to average assets | 1.8406% | 7,085 |
| Loan and lease loss provision to assets | 1.0509% | 712 |
| Net operating income to assets | 0.7310% | 3,375 |
| Return on assets (ROA) | 0.7310% | 3,440 |
| Pretax return on assets | 1.1669% | 2,492 |
| Return on Equity (ROE) | 6.9236% | 3,419 |
| Retained earnings to average equity (ytd only) | 4.9129% | 3,248 |
| Net charge-offs to loans | 3.8103% | 248 |
| Credit loss provision to net charge-offs | 39.7697% | 3,953 |
| Earnings coverage of net charge-offs (x) | 0.8393% | 4,008 |
| Efficiency ratio | 45.3531% | 7,231 |
| Assets per employee ($millions) | 7.5262% | 577 |
| Cash dividends to net income (ytd only)* | 29.0416% | 2,012 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9302% | 208 |
| Loan loss allowance to noncurrent loans | 199.9790% | 1,479 |
| Noncurrent assets plus other real estate owned to assets | 2.5991% | 2,639 |
| Noncurrent loans to loans | 2.4654% | 3,030 |
| Net loans and leases to total assets | 63.4479% | 3,553 |
| Net loans and leases to deposits | 78.7070% | 2,940 |
| Net loans and leases to core deposits | 90.7720% | 2,265 |
| Total domestic deposits to total assets | 80.6128% | 5,788 |
| Equity capital to assets | 10.3965% | 3,285 |
| Core capital (leverage) ratio | 10.4784% | 2,632 |
| Tier 1 risk-based capital ratio | 13.8965% | 4,143 |
| Total risk-based capital ratio | 15.1876% | 4,089 |
| Memoranda: | ||
| Average total assets | $565,241,000 | 1,193 |
| Average earning assets | $525,449,000 | 1,166 |
| Average equity | $59,680,000 | 1,111 |
| Average total loans | $391,989,000 | 1,120 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4596% | 2,439 |
| Cost of funding earning assets | 1.4053% | 3,230 |
| Net interest margin | 4.0543% | 2,784 |
| Noninterest income to average assets | 0.3093% | 5,590 |
| Noninterest expense to average assets | 2.0457% | 6,951 |
| Loan and lease loss provision to assets | 1.5556% | 942 |
| Net operating income to assets | 0.2994% | 4,941 |
| Return on assets (ROA) | 0.2994% | 5,108 |
| Pretax return on assets | 0.4645% | 4,748 |
| Return on Equity (ROE) | 2.8685% | 5,009 |
| Retained earnings to average equity (ytd only) | 0.8753% | 5,111 |
| Net charge-offs to loans | 0.6638% | 3,019 |
| Credit loss provision to net charge-offs | 322.2671% | 802 |
| Earnings coverage of net charge-offs (x) | 4.1849% | 3,027 |
| Efficiency ratio | 50.3158% | 7,097 |
| Assets per employee ($millions) | 6.9743% | 746 |
| Cash dividends to net income (ytd only)* | 69.4855% | 1,238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3665% | 154 |
| Loan loss allowance to noncurrent loans | 430.4725% | 722 |
| Noncurrent assets plus other real estate owned to assets | 2.0515% | 3,282 |
| Noncurrent loans to loans | 1.2467% | 4,635 |
| Net loans and leases to total assets | 68.2260% | 2,925 |
| Net loans and leases to deposits | 85.4712% | 2,190 |
| Net loans and leases to core deposits | 99.3385% | 1,669 |
| Total domestic deposits to total assets | 79.8235% | 5,881 |
| Equity capital to assets | 10.7286% | 2,926 |
| Core capital (leverage) ratio | 10.5240% | 2,534 |
| Tier 1 risk-based capital ratio | 13.6779% | 4,080 |
| Total risk-based capital ratio | 14.9713% | 4,020 |
| Memoranda: | ||
| Average total assets | $564,735,800 | 1,189 |
| Average earning assets | $523,245,800 | 1,173 |
| Average equity | $58,950,200 | 1,132 |
| Average total loans | $410,686,400 | 1,097 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4597% | 2,602 |
| Cost of funding earning assets | 1.4482% | 3,288 |
| Net interest margin | 4.0115% | 3,046 |
| Noninterest income to average assets | 0.3433% | 5,427 |
| Noninterest expense to average assets | 2.0646% | 6,927 |
| Loan and lease loss provision to assets | 1.5807% | 823 |
| Net operating income to assets | 0.2692% | 5,284 |
| Return on assets (ROA) | 0.2692% | 5,445 |
| Pretax return on assets | 0.4130% | 5,181 |
| Return on Equity (ROE) | 2.5960% | 5,391 |
| Retained earnings to average equity (ytd only) | -0.0634% | 5,802 |
| Net charge-offs to loans | 0.7847% | 2,473 |
| Credit loss provision to net charge-offs | 276.4054% | 1,183 |
| Earnings coverage of net charge-offs (x) | 3.4863% | 3,428 |
| Efficiency ratio | 50.8731% | 7,082 |
| Assets per employee ($millions) | 7.3717% | 659 |
| Cash dividends to net income (ytd only)* | 102.4410% | 332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8275% | 199 |
| Loan loss allowance to noncurrent loans | 330.0034% | 899 |
| Noncurrent assets plus other real estate owned to assets | 2.1698% | 3,250 |
| Noncurrent loans to loans | 1.4629% | 4,429 |
| Net loans and leases to total assets | 67.9214% | 3,236 |
| Net loans and leases to deposits | 85.5079% | 2,436 |
| Net loans and leases to core deposits | 100.4672% | 1,809 |
| Total domestic deposits to total assets | 79.4330% | 5,889 |
| Equity capital to assets | 10.2034% | 3,881 |
| Core capital (leverage) ratio | 10.3483% | 2,861 |
| Tier 1 risk-based capital ratio | 13.6144% | 4,110 |
| Total risk-based capital ratio | 14.9062% | 4,030 |
| Memoranda: | ||
| Average total assets | $568,178,000 | 1,193 |
| Average earning assets | $526,173,000 | 1,176 |
| Average equity | $58,910,000 | 1,135 |
| Average total loans | $414,053,000 | 1,093 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4510% | 2,749 |
| Cost of funding earning assets | 1.4875% | 3,319 |
| Net interest margin | 3.9635% | 3,191 |
| Noninterest income to average assets | 0.3864% | 5,023 |
| Noninterest expense to average assets | 2.0561% | 7,006 |
| Loan and lease loss provision to assets | 1.5142% | 872 |
| Net operating income to assets | 0.3051% | 5,160 |
| Return on assets (ROA) | 0.3051% | 5,318 |
| Pretax return on assets | 0.4831% | 4,952 |
| Return on Equity (ROE) | 2.9270% | 5,261 |
| Retained earnings to average equity (ytd only) | 0.9014% | 5,407 |
| Net charge-offs to loans | 1.1908% | 1,596 |
| Credit loss provision to net charge-offs | 173.2984% | 2,253 |
| Earnings coverage of net charge-offs (x) | 2.2859% | 3,862 |
| Efficiency ratio | 50.7249% | 7,176 |
| Assets per employee ($millions) | 7.3690% | 653 |
| Cash dividends to net income (ytd only)* | 69.2042% | 1,050 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1520% | 324 |
| Loan loss allowance to noncurrent loans | 181.9800% | 1,552 |
| Noncurrent assets plus other real estate owned to assets | 2.8131% | 2,569 |
| Noncurrent loans to loans | 2.2816% | 3,394 |
| Net loans and leases to total assets | 69.4775% | 3,023 |
| Net loans and leases to deposits | 87.6485% | 2,239 |
| Net loans and leases to core deposits | 104.0485% | 1,631 |
| Total domestic deposits to total assets | 79.2683% | 5,949 |
| Equity capital to assets | 10.5426% | 3,355 |
| Core capital (leverage) ratio | 10.2375% | 2,902 |
| Tier 1 risk-based capital ratio | 13.3523% | 4,167 |
| Total risk-based capital ratio | 14.6381% | 4,108 |
| Memoranda: | ||
| Average total assets | $568,363,330 | 1,200 |
| Average earning assets | $525,852,670 | 1,176 |
| Average equity | $59,241,000 | 1,115 |
| Average total loans | $417,039,670 | 1,093 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4731% | 2,715 |
| Cost of funding earning assets | 1.5117% | 3,481 |
| Net interest margin | 3.9614% | 3,044 |
| Noninterest income to average assets | 0.4943% | 4,093 |
| Noninterest expense to average assets | 2.1089% | 6,915 |
| Loan and lease loss provision to assets | 1.5013% | 777 |
| Net operating income to assets | 0.3410% | 5,122 |
| Return on assets (ROA) | 0.3410% | 5,246 |
| Pretax return on assets | 0.5400% | 4,819 |
| Return on Equity (ROE) | 3.2908% | 5,210 |
| Retained earnings to average equity (ytd only) | -0.7803% | 6,008 |
| Net charge-offs to loans | 0.2610% | 3,369 |
| Credit loss provision to net charge-offs | 779.1971% | 579 |
| Earnings coverage of net charge-offs (x) | 10.5949% | 1,729 |
| Efficiency ratio | 50.8133% | 7,257 |
| Assets per employee ($millions) | 7.6437% | 604 |
| Cash dividends to net income (ytd only)* | 123.7113% | 416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0839% | 348 |
| Loan loss allowance to noncurrent loans | 147.1518% | 1,893 |
| Noncurrent assets plus other real estate owned to assets | 3.0357% | 2,355 |
| Noncurrent loans to loans | 2.7753% | 2,879 |
| Net loans and leases to total assets | 70.1675% | 2,892 |
| Net loans and leases to deposits | 89.0319% | 2,059 |
| Net loans and leases to core deposits | 107.1597% | 1,483 |
| Total domestic deposits to total assets | 78.8117% | 6,117 |
| Equity capital to assets | 10.2891% | 3,490 |
| Core capital (leverage) ratio | 10.3943% | 2,722 |
| Tier 1 risk-based capital ratio | 12.9390% | 4,380 |
| Total risk-based capital ratio | 14.2213% | 4,332 |
| Memoranda: | ||
| Average total assets | $568,840,000 | 1,228 |
| Average earning assets | $524,971,000 | 1,211 |
| Average equity | $58,951,500 | 1,129 |
| Average total loans | $419,910,000 | 1,117 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5800% | 3,703 |
| Cost of funding earning assets | 1.9752% | 3,080 |
| Net interest margin | 3.6048% | 4,533 |
| Noninterest income to average assets | 0.2969% | 5,984 |
| Noninterest expense to average assets | 2.0880% | 7,209 |
| Loan and lease loss provision to assets | 2.5027% | 794 |
| Net operating income to assets | -0.5667% | 6,242 |
| Return on assets (ROA) | -0.5667% | 6,236 |
| Pretax return on assets | -0.9255% | 6,362 |
| Return on Equity (ROE) | -5.6673% | 6,277 |
| Retained earnings to average equity (ytd only) | -5.6673% | 6,106 |
| Net charge-offs to loans | 1.2675% | 1,952 |
| Credit loss provision to net charge-offs | 260.8074% | 1,345 |
| Earnings coverage of net charge-offs (x) | 1.6436% | 4,507 |
| Efficiency ratio | 56.9685% | 6,892 |
| Assets per employee ($millions) | 7.3299% | 696 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6291% | 478 |
| Loan loss allowance to noncurrent loans | 134.0067% | 2,128 |
| Noncurrent assets plus other real estate owned to assets | 3.1837% | 2,165 |
| Noncurrent loans to loans | 2.7081% | 2,848 |
| Net loans and leases to total assets | 71.7893% | 2,811 |
| Net loans and leases to deposits | 91.4485% | 1,977 |
| Net loans and leases to core deposits | 116.6808% | 2,253 |
| Total domestic deposits to total assets | 78.5024% | 6,117 |
| Equity capital to assets | 10.4390% | 3,254 |
| Core capital (leverage) ratio | 9.8385% | 3,288 |
| Tier 1 risk-based capital ratio | 12.6086% | 4,435 |
| Total risk-based capital ratio | 13.8690% | 4,369 |
| Memoranda: | ||
| Average total assets | $583,372,600 | 1,176 |
| Average earning assets | $545,108,000 | 1,158 |
| Average equity | $58,334,600 | 1,132 |
| Average total loans | $441,650,800 | 1,086 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5385% | 4,222 |
| Cost of funding earning assets | 2.0316% | 3,211 |
| Net interest margin | 3.5070% | 4,833 |
| Noninterest income to average assets | 0.2866% | 6,184 |
| Noninterest expense to average assets | 1.9465% | 7,474 |
| Loan and lease loss provision to assets | 1.8647% | 989 |
| Net operating income to assets | -0.1333% | 5,952 |
| Return on assets (ROA) | -0.1333% | 5,977 |
| Pretax return on assets | -0.2337% | 6,027 |
| Return on Equity (ROE) | -1.3473% | 5,992 |
| Retained earnings to average equity (ytd only) | -1.3473% | 5,571 |
| Net charge-offs to loans | 0.6464% | 2,747 |
| Credit loss provision to net charge-offs | 379.5570% | 1,059 |
| Earnings coverage of net charge-offs (x) | 3.3198% | 3,580 |
| Efficiency ratio | 54.4106% | 7,194 |
| Assets per employee ($millions) | 7.3335% | 685 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8385% | 761 |
| Loan loss allowance to noncurrent loans | 81.8736% | 3,336 |
| Noncurrent assets plus other real estate owned to assets | 4.3855% | 1,404 |
| Noncurrent loans to loans | 3.4669% | 2,159 |
| Net loans and leases to total assets | 68.7599% | 3,783 |
| Net loans and leases to deposits | 86.8217% | 3,164 |
| Net loans and leases to core deposits | 113.9502% | 2,832 |
| Total domestic deposits to total assets | 79.1967% | 5,735 |
| Equity capital to assets | 10.1500% | 3,904 |
| Core capital (leverage) ratio | 10.0494% | 3,232 |
| Tier 1 risk-based capital ratio | 12.7210% | 4,373 |
| Total risk-based capital ratio | 13.9847% | 4,314 |
| Memoranda: | ||
| Average total assets | $588,115,250 | 1,187 |
| Average earning assets | $551,880,000 | 1,154 |
| Average equity | $58,188,750 | 1,152 |
| Average total loans | $446,954,000 | 1,096 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6686% | 3,723 |
| Cost of funding earning assets | 2.0906% | 3,319 |
| Net interest margin | 3.5780% | 4,457 |
| Noninterest income to average assets | 0.2928% | 6,169 |
| Noninterest expense to average assets | 1.9478% | 7,555 |
| Loan and lease loss provision to assets | 0.7054% | 2,315 |
| Net operating income to assets | 0.6383% | 3,514 |
| Return on assets (ROA) | 0.6383% | 3,619 |
| Pretax return on assets | 1.0174% | 2,941 |
| Return on Equity (ROE) | 6.5098% | 3,434 |
| Retained earnings to average equity (ytd only) | 6.5098% | 1,792 |
| Net charge-offs to loans | 0.1251% | 4,911 |
| Credit loss provision to net charge-offs | 724.3816% | 657 |
| Earnings coverage of net charge-offs (x) | 17.6926% | 1,461 |
| Efficiency ratio | 53.0652% | 7,424 |
| Assets per employee ($millions) | 7.3116% | 670 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8178% | 1,998 |
| Loan loss allowance to noncurrent loans | 55.2700% | 4,703 |
| Noncurrent assets plus other real estate owned to assets | 2.9007% | 2,202 |
| Noncurrent loans to loans | 3.2890% | 2,151 |
| Net loans and leases to total assets | 73.9332% | 2,714 |
| Net loans and leases to deposits | 94.4148% | 2,025 |
| Net loans and leases to core deposits | 127.5037% | 1,741 |
| Total domestic deposits to total assets | 78.3068% | 5,994 |
| Equity capital to assets | 10.7811% | 3,134 |
| Core capital (leverage) ratio | 10.8132% | 2,558 |
| Tier 1 risk-based capital ratio | 13.0828% | 4,082 |
| Total risk-based capital ratio | 14.3209% | 4,012 |
| Memoranda: | ||
| Average total assets | $581,259,670 | 1,222 |
| Average earning assets | $548,742,330 | 1,181 |
| Average equity | $56,991,330 | 1,181 |
| Average total loans | $452,353,330 | 1,101 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7644% | 3,460 |
| Cost of funding earning assets | 2.2024% | 3,156 |
| Net interest margin | 3.5620% | 4,480 |
| Noninterest income to average assets | 0.2939% | 6,086 |
| Noninterest expense to average assets | 1.8327% | 7,654 |
| Loan and lease loss provision to assets | 0.3474% | 3,241 |
| Net operating income to assets | 0.9268% | 2,591 |
| Return on assets (ROA) | 0.9268% | 2,725 |
| Pretax return on assets | 1.4791% | 1,729 |
| Return on Equity (ROE) | 9.9623% | 2,335 |
| Retained earnings to average equity (ytd only) | 9.9623% | 1,206 |
| Net charge-offs to loans | 0.0035% | 5,677 |
| Credit loss provision to net charge-offs | 12,500.0000% | 44 |
| Earnings coverage of net charge-offs (x) | 657.2500% | 30 |
| Efficiency ratio | 50.0854% | 7,583 |
| Assets per employee ($millions) | 7.5549% | 605 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5083% | 2,939 |
| Loan loss allowance to noncurrent loans | 64.7509% | 4,330 |
| Noncurrent assets plus other real estate owned to assets | 1.8712% | 3,105 |
| Noncurrent loans to loans | 2.3294% | 2,826 |
| Net loans and leases to total assets | 76.8919% | 2,068 |
| Net loans and leases to deposits | 96.7949% | 1,824 |
| Net loans and leases to core deposits | 130.0986% | 1,653 |
| Total domestic deposits to total assets | 79.4379% | 5,563 |
| Equity capital to assets | 9.6466% | 4,458 |
| Core capital (leverage) ratio | 9.5866% | 3,887 |
| Tier 1 risk-based capital ratio | 11.5085% | 5,405 |
| Total risk-based capital ratio | 12.7611% | 5,295 |
| Memoranda: | ||
| Average total assets | $575,769,000 | 1,236 |
| Average earning assets | $543,960,500 | 1,193 |
| Average equity | $53,562,000 | 1,260 |
| Average total loans | $455,545,000 | 1,106 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3485% | 3,700 |
| Cost of funding earning assets | 2.8568% | 2,455 |
| Net interest margin | 3.4917% | 5,324 |
| Noninterest income to average assets | 0.3177% | 6,182 |
| Noninterest expense to average assets | 1.7030% | 7,862 |
| Loan and lease loss provision to assets | 0.3188% | 3,826 |
| Net operating income to assets | 1.0072% | 2,527 |
| Return on assets (ROA) | 1.0072% | 2,410 |
| Pretax return on assets | 1.5953% | 1,394 |
| Return on Equity (ROE) | 11.8164% | 1,652 |
| Retained earnings to average equity (ytd only) | 10.7699% | 358 |
| Net charge-offs to loans | 0.3481% | 3,091 |
| Credit loss provision to net charge-offs | 115.5886% | 4,670 |
| Earnings coverage of net charge-offs (x) | 6.9405% | 3,229 |
| Efficiency ratio | 47.0829% | 7,867 |
| Assets per employee ($millions) | 7.1226% | 670 |
| Cash dividends to net income (ytd only)* | 8.8558% | 4,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3882% | 3,266 |
| Loan loss allowance to noncurrent loans | 304.5127% | 1,329 |
| Noncurrent assets plus other real estate owned to assets | 0.5017% | 5,690 |
| Noncurrent loans to loans | 0.4559% | 5,975 |
| Net loans and leases to total assets | 79.0782% | 1,870 |
| Net loans and leases to deposits | 99.3873% | 1,926 |
| Net loans and leases to core deposits | 130.0526% | 1,851 |
| Total domestic deposits to total assets | 79.5657% | 5,175 |
| Equity capital to assets | 8.9516% | 5,430 |
| Core capital (leverage) ratio | 8.6214% | 5,343 |
| Tier 1 risk-based capital ratio | 10.4623% | 6,245 |
| Total risk-based capital ratio | 11.7137% | 6,124 |
| Memoranda: | ||
| Average total assets | $560,584,600 | 1,206 |
| Average earning assets | $529,711,600 | 1,166 |
| Average equity | $47,781,200 | 1,434 |
| Average total loans | $444,160,800 | 1,082 |