Home > Hartford Savings Bank > Performance and Condition Ratios
Hartford Savings 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 | 3.9066% | 4,435 |
| Cost of funding earning assets | 0.4093% | 4,548 |
| Net interest margin | 3.4973% | 3,922 |
| Noninterest income to average assets | 0.4042% | 4,414 |
| Noninterest expense to average assets | 3.1070% | 2,710 |
| Loan and lease loss provision to assets | 0.2114% | 1,744 |
| Net operating income to assets | 0.1903% | 5,853 |
| Return on assets (ROA) | 0.2244% | 5,821 |
| Pretax return on assets | 0.3123% | 5,699 |
| Return on Equity (ROE) | 2.1275% | 5,796 |
| Retained earnings to average equity (ytd only) | 2.1275% | 4,731 |
| Net charge-offs to loans | 1.1786% | 455 |
| Credit loss provision to net charge-offs | 25.9157% | 4,331 |
| Earnings coverage of net charge-offs (x) | 0.5840% | 4,890 |
| Efficiency ratio | 85.4783% | 1,469 |
| Assets per employee ($millions) | 5.1591% | 1,999 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5836% | 736 |
| Loan loss allowance to noncurrent loans | 108.7882% | 3,393 |
| Noncurrent assets plus other real estate owned to assets | 3.3025% | 914 |
| Noncurrent loans to loans | 2.3749% | 1,616 |
| Net loans and leases to total assets | 68.1183% | 2,339 |
| Net loans and leases to deposits | 77.4562% | 2,792 |
| Net loans and leases to core deposits | 80.0840% | 3,123 |
| Total domestic deposits to total assets | 87.9443% | 2,206 |
| Equity capital to assets | 10.7981% | 2,818 |
| Core capital (leverage) ratio | 10.0667% | 3,472 |
| Tier 1 risk-based capital ratio | 16.3706% | 2,919 |
| Total risk-based capital ratio | 18.0760% | 2,649 |
| Memoranda: | ||
| Average total assets | $177,371,800 | 3,301 |
| Average earning assets | $161,238,000 | 3,321 |
| Average equity | $18,707,200 | 3,311 |
| Average total loans | $122,774,800 | 2,987 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9566% | 4,293 |
| Cost of funding earning assets | 0.4254% | 4,550 |
| Net interest margin | 3.5311% | 3,754 |
| Noninterest income to average assets | 0.4475% | 4,172 |
| Noninterest expense to average assets | 3.1507% | 2,504 |
| Loan and lease loss provision to assets | 0.2586% | 1,371 |
| Net operating income to assets | 0.1876% | 5,941 |
| Return on assets (ROA) | 0.2241% | 5,935 |
| Pretax return on assets | 0.2976% | 5,884 |
| Return on Equity (ROE) | 2.1377% | 5,896 |
| Retained earnings to average equity (ytd only) | 2.1377% | 5,031 |
| Net charge-offs to loans | 1.3365% | 397 |
| Credit loss provision to net charge-offs | 28.0260% | 3,932 |
| Earnings coverage of net charge-offs (x) | 0.5500% | 4,681 |
| Efficiency ratio | 84.5287% | 1,532 |
| Assets per employee ($millions) | 5.0382% | 2,115 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7859% | 678 |
| Loan loss allowance to noncurrent loans | 105.5363% | 3,348 |
| Noncurrent assets plus other real estate owned to assets | 3.5493% | 949 |
| Noncurrent loans to loans | 2.6397% | 1,604 |
| Net loans and leases to total assets | 68.3448% | 2,248 |
| Net loans and leases to deposits | 77.7410% | 2,711 |
| Net loans and leases to core deposits | 80.2470% | 3,105 |
| Total domestic deposits to total assets | 87.9135% | 2,184 |
| Equity capital to assets | 10.8197% | 2,936 |
| Core capital (leverage) ratio | 9.7337% | 4,056 |
| Tier 1 risk-based capital ratio | 16.5830% | 2,903 |
| Total risk-based capital ratio | 17.9425% | 2,819 |
| Memoranda: | ||
| Average total assets | $177,862,000 | 3,328 |
| Average earning assets | $161,718,500 | 3,342 |
| Average equity | $18,648,750 | 3,352 |
| Average total loans | $122,804,500 | 3,006 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9829% | 4,175 |
| Cost of funding earning assets | 0.4378% | 4,571 |
| Net interest margin | 3.5451% | 3,586 |
| Noninterest income to average assets | 0.5287% | 3,642 |
| Noninterest expense to average assets | 3.1425% | 2,542 |
| Loan and lease loss provision to assets | 0.3499% | 953 |
| Net operating income to assets | 0.1951% | 5,910 |
| Return on assets (ROA) | 0.2499% | 5,904 |
| Pretax return on assets | 0.3288% | 5,799 |
| Return on Equity (ROE) | 2.4081% | 5,830 |
| Retained earnings to average equity (ytd only) | 2.4081% | 4,766 |
| Net charge-offs to loans | 0.7605% | 837 |
| Credit loss provision to net charge-offs | 67.0213% | 2,893 |
| Earnings coverage of net charge-offs (x) | 1.1617% | 4,151 |
| Efficiency ratio | 81.8074% | 1,909 |
| Assets per employee ($millions) | 5.1401% | 1,949 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3340% | 423 |
| Loan loss allowance to noncurrent loans | 78.6223% | 4,081 |
| Noncurrent assets plus other real estate owned to assets | 4.7498% | 669 |
| Noncurrent loans to loans | 4.2405% | 877 |
| Net loans and leases to total assets | 67.7886% | 2,292 |
| Net loans and leases to deposits | 76.8442% | 2,749 |
| Net loans and leases to core deposits | 79.5047% | 3,085 |
| Total domestic deposits to total assets | 88.2155% | 2,098 |
| Equity capital to assets | 10.5874% | 3,188 |
| Core capital (leverage) ratio | 9.6566% | 3,999 |
| Tier 1 risk-based capital ratio | 16.2987% | 3,036 |
| Total risk-based capital ratio | 17.6304% | 2,955 |
| Memoranda: | ||
| Average total assets | $180,049,670 | 3,308 |
| Average earning assets | $163,550,330 | 3,339 |
| Average equity | $18,687,000 | 3,371 |
| Average total loans | $123,596,330 | 2,996 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6736% | 5,243 |
| Cost of funding earning assets | 0.4556% | 4,534 |
| Net interest margin | 3.2180% | 4,853 |
| Noninterest income to average assets | 0.6590% | 2,821 |
| Noninterest expense to average assets | 3.0543% | 2,821 |
| Loan and lease loss provision to assets | 0.3941% | 791 |
| Net operating income to assets | 0.1007% | 6,145 |
| Return on assets (ROA) | 0.1007% | 6,239 |
| Pretax return on assets | 0.1336% | 6,202 |
| Return on Equity (ROE) | 0.9798% | 6,226 |
| Retained earnings to average equity (ytd only) | 0.9798% | 5,453 |
| Net charge-offs to loans | 1.2794% | 439 |
| Credit loss provision to net charge-offs | 45.3401% | 2,679 |
| Earnings coverage of net charge-offs (x) | 0.6071% | 3,617 |
| Efficiency ratio | 83.1907% | 1,872 |
| Assets per employee ($millions) | 5.2494% | 1,922 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2685% | 507 |
| Loan loss allowance to noncurrent loans | 48.2494% | 5,235 |
| Noncurrent assets plus other real estate owned to assets | 6.7072% | 437 |
| Noncurrent loans to loans | 6.7742% | 450 |
| Net loans and leases to total assets | 66.7249% | 2,241 |
| Net loans and leases to deposits | 75.7175% | 2,684 |
| Net loans and leases to core deposits | 78.1867% | 3,037 |
| Total domestic deposits to total assets | 88.1235% | 2,242 |
| Equity capital to assets | 10.5430% | 3,498 |
| Core capital (leverage) ratio | 9.3614% | 4,300 |
| Tier 1 risk-based capital ratio | 16.0675% | 3,227 |
| Total risk-based capital ratio | 17.3498% | 3,167 |
| Memoranda: | ||
| Average total assets | $182,692,500 | 3,316 |
| Average earning assets | $165,942,000 | 3,347 |
| Average equity | $18,779,000 | 3,407 |
| Average total loans | $124,116,500 | 3,009 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2277% | 4,483 |
| Cost of funding earning assets | 0.6135% | 4,226 |
| Net interest margin | 3.6142% | 4,025 |
| Noninterest income to average assets | 0.4066% | 4,553 |
| Noninterest expense to average assets | 2.9509% | 3,459 |
| Loan and lease loss provision to assets | 2.0690% | 91 |
| Net operating income to assets | -0.7194% | 6,658 |
| Return on assets (ROA) | -0.6631% | 6,666 |
| Pretax return on assets | -1.2067% | 6,786 |
| Return on Equity (ROE) | -6.6274% | 6,641 |
| Retained earnings to average equity (ytd only) | -6.6274% | 6,508 |
| Net charge-offs to loans | 1.2249% | 823 |
| Credit loss provision to net charge-offs | 245.5494% | 1,005 |
| Earnings coverage of net charge-offs (x) | 0.9190% | 5,011 |
| Efficiency ratio | 77.3119% | 2,545 |
| Assets per employee ($millions) | 5.1918% | 1,996 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3896% | 475 |
| Loan loss allowance to noncurrent loans | 74.8104% | 4,100 |
| Noncurrent assets plus other real estate owned to assets | 6.0073% | 576 |
| Noncurrent loans to loans | 4.5309% | 940 |
| Net loans and leases to total assets | 64.6732% | 2,781 |
| Net loans and leases to deposits | 72.9363% | 3,259 |
| Net loans and leases to core deposits | 76.3794% | 3,481 |
| Total domestic deposits to total assets | 88.6708% | 1,791 |
| Equity capital to assets | 10.0270% | 4,130 |
| Core capital (leverage) ratio | 8.9368% | 4,993 |
| Tier 1 risk-based capital ratio | 15.3189% | 3,533 |
| Total risk-based capital ratio | 16.6055% | 3,466 |
| Memoranda: | ||
| Average total assets | $193,333,000 | 3,132 |
| Average earning assets | $177,520,000 | 3,125 |
| Average equity | $19,344,000 | 3,283 |
| Average total loans | $132,987,200 | 2,827 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2734% | 4,564 |
| Cost of funding earning assets | 0.6486% | 4,212 |
| Net interest margin | 3.6248% | 4,130 |
| Noninterest income to average assets | 0.4213% | 4,471 |
| Noninterest expense to average assets | 2.9301% | 3,481 |
| Loan and lease loss provision to assets | 2.5512% | 60 |
| Net operating income to assets | -0.9779% | 6,856 |
| Return on assets (ROA) | -0.9035% | 6,861 |
| Pretax return on assets | -1.6066% | 6,972 |
| Return on Equity (ROE) | -9.0347% | 6,843 |
| Retained earnings to average equity (ytd only) | -9.0347% | 6,790 |
| Net charge-offs to loans | 1.5491% | 549 |
| Credit loss provision to net charge-offs | 237.8827% | 1,162 |
| Earnings coverage of net charge-offs (x) | 0.7723% | 4,940 |
| Efficiency ratio | 76.1056% | 2,664 |
| Assets per employee ($millions) | 5.2094% | 1,922 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1024% | 653 |
| Loan loss allowance to noncurrent loans | 76.3203% | 3,970 |
| Noncurrent assets plus other real estate owned to assets | 5.0954% | 869 |
| Noncurrent loans to loans | 4.0650% | 1,247 |
| Net loans and leases to total assets | 67.1494% | 2,431 |
| Net loans and leases to deposits | 75.7513% | 3,018 |
| Net loans and leases to core deposits | 79.8387% | 3,227 |
| Total domestic deposits to total assets | 88.6446% | 1,627 |
| Equity capital to assets | 10.0197% | 4,467 |
| Core capital (leverage) ratio | 8.6518% | 5,551 |
| Tier 1 risk-based capital ratio | 14.7474% | 4,017 |
| Total risk-based capital ratio | 16.0344% | 3,946 |
| Memoranda: | ||
| Average total assets | $194,939,750 | 3,144 |
| Average earning assets | $179,462,500 | 3,133 |
| Average equity | $19,494,750 | 3,292 |
| Average total loans | $134,954,250 | 2,825 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2931% | 4,601 |
| Cost of funding earning assets | 0.6872% | 4,126 |
| Net interest margin | 3.6060% | 4,232 |
| Noninterest income to average assets | 0.3972% | 4,674 |
| Noninterest expense to average assets | 2.9006% | 3,615 |
| Loan and lease loss provision to assets | 1.7608% | 193 |
| Net operating income to assets | -0.6129% | 6,784 |
| Return on assets (ROA) | -0.6129% | 6,808 |
| Pretax return on assets | -0.9361% | 6,882 |
| Return on Equity (ROE) | -6.1330% | 6,804 |
| Retained earnings to average equity (ytd only) | -6.1330% | 6,679 |
| Net charge-offs to loans | 0.2928% | 2,854 |
| Credit loss provision to net charge-offs | 869.0000% | 375 |
| Earnings coverage of net charge-offs (x) | 4.0700% | 3,185 |
| Efficiency ratio | 76.0131% | 2,742 |
| Assets per employee ($millions) | 5.3901% | 1,717 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5376% | 1,233 |
| Loan loss allowance to noncurrent loans | 30.3014% | 6,142 |
| Noncurrent assets plus other real estate owned to assets | 7.7101% | 466 |
| Noncurrent loans to loans | 8.3745% | 392 |
| Net loans and leases to total assets | 67.4545% | 2,382 |
| Net loans and leases to deposits | 76.0655% | 2,982 |
| Net loans and leases to core deposits | 80.2295% | 3,186 |
| Total domestic deposits to total assets | 88.6794% | 1,722 |
| Equity capital to assets | 10.0075% | 4,325 |
| Core capital (leverage) ratio | 9.2435% | 4,532 |
| Tier 1 risk-based capital ratio | 15.4727% | 3,461 |
| Total risk-based capital ratio | 16.7434% | 3,412 |
| Memoranda: | ||
| Average total assets | $197,406,330 | 3,119 |
| Average earning assets | $182,198,330 | 3,097 |
| Average equity | $19,729,330 | 3,258 |
| Average total loans | $136,617,670 | 2,802 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3291% | 4,615 |
| Cost of funding earning assets | 0.7519% | 3,850 |
| Net interest margin | 3.5772% | 4,366 |
| Noninterest income to average assets | 0.3697% | 4,910 |
| Noninterest expense to average assets | 2.9173% | 3,548 |
| Loan and lease loss provision to assets | 0.4581% | 1,348 |
| Net operating income to assets | 0.2552% | 5,799 |
| Return on assets (ROA) | 0.2552% | 5,955 |
| Pretax return on assets | 0.3014% | 5,974 |
| Return on Equity (ROE) | 2.5548% | 5,883 |
| Retained earnings to average equity (ytd only) | 2.5548% | 4,979 |
| Net charge-offs to loans | 0.5052% | 1,824 |
| Credit loss provision to net charge-offs | 131.0345% | 1,857 |
| Earnings coverage of net charge-offs (x) | 2.1724% | 3,290 |
| Efficiency ratio | 77.4863% | 2,572 |
| Assets per employee ($millions) | 5.4307% | 1,754 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4213% | 4,512 |
| Loan loss allowance to noncurrent loans | 17.2139% | 6,636 |
| Noncurrent assets plus other real estate owned to assets | 7.3773% | 555 |
| Noncurrent loans to loans | 8.2568% | 456 |
| Net loans and leases to total assets | 68.2561% | 2,063 |
| Net loans and leases to deposits | 76.9986% | 2,678 |
| Net loans and leases to core deposits | 80.4417% | 3,019 |
| Total domestic deposits to total assets | 88.6458% | 1,922 |
| Equity capital to assets | 10.2176% | 3,830 |
| Core capital (leverage) ratio | 9.4116% | 4,179 |
| Tier 1 risk-based capital ratio | 15.1423% | 3,655 |
| Total risk-based capital ratio | 16.3963% | 3,617 |
| Memoranda: | ||
| Average total assets | $199,087,000 | 3,116 |
| Average earning assets | $184,057,000 | 3,093 |
| Average equity | $19,884,500 | 3,236 |
| Average total loans | $137,776,500 | 2,814 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5256% | 4,974 |
| Cost of funding earning assets | 1.0746% | 2,848 |
| Net interest margin | 3.4510% | 5,327 |
| Noninterest income to average assets | 0.3448% | 5,052 |
| Noninterest expense to average assets | 2.8446% | 4,186 |
| Loan and lease loss provision to assets | 0.5196% | 2,022 |
| Net operating income to assets | 0.1629% | 5,698 |
| Return on assets (ROA) | 0.1877% | 5,756 |
| Pretax return on assets | 0.2069% | 5,764 |
| Return on Equity (ROE) | 2.0356% | 5,646 |
| Retained earnings to average equity (ytd only) | 2.0356% | 4,762 |
| Net charge-offs to loans | 0.4557% | 3,160 |
| Credit loss provision to net charge-offs | 161.9403% | 1,700 |
| Earnings coverage of net charge-offs (x) | 2.1791% | 4,154 |
| Efficiency ratio | 78.4189% | 2,539 |
| Assets per employee ($millions) | 5.1966% | 1,948 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3340% | 4,734 |
| Loan loss allowance to noncurrent loans | 16.8757% | 6,703 |
| Noncurrent assets plus other real estate owned to assets | 6.0838% | 800 |
| Noncurrent loans to loans | 7.9046% | 510 |
| Net loans and leases to total assets | 68.2467% | 2,345 |
| Net loans and leases to deposits | 76.5199% | 3,089 |
| Net loans and leases to core deposits | 81.6071% | 3,233 |
| Total domestic deposits to total assets | 89.1883% | 1,429 |
| Equity capital to assets | 9.7662% | 4,485 |
| Core capital (leverage) ratio | 9.1180% | 4,587 |
| Tier 1 risk-based capital ratio | 15.3784% | 3,400 |
| Total risk-based capital ratio | 16.6282% | 3,355 |
| Memoranda: | ||
| Average total assets | $208,813,200 | 2,958 |
| Average earning assets | $193,566,400 | 2,928 |
| Average equity | $19,257,600 | 3,247 |
| Average total loans | $147,025,200 | 2,682 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4974% | 5,261 |
| Cost of funding earning assets | 1.1341% | 2,745 |
| Net interest margin | 3.3633% | 5,676 |
| Noninterest income to average assets | 0.3119% | 5,370 |
| Noninterest expense to average assets | 2.8536% | 4,131 |
| Loan and lease loss provision to assets | 0.5166% | 1,921 |
| Net operating income to assets | 0.0523% | 6,070 |
| Return on assets (ROA) | 0.0856% | 6,112 |
| Pretax return on assets | 0.0925% | 6,111 |
| Return on Equity (ROE) | 0.9412% | 6,077 |
| Retained earnings to average equity (ytd only) | 0.9412% | 5,627 |
| Net charge-offs to loans | 0.5361% | 2,627 |
| Credit loss provision to net charge-offs | 136.2876% | 2,342 |
| Earnings coverage of net charge-offs (x) | 1.5117% | 4,502 |
| Efficiency ratio | 81.3910% | 2,056 |
| Assets per employee ($millions) | 5.2587% | 1,862 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1650% | 5,616 |
| Loan loss allowance to noncurrent loans | 12.8605% | 6,854 |
| Noncurrent assets plus other real estate owned to assets | 6.7833% | 744 |
| Noncurrent loans to loans | 9.0587% | 427 |
| Net loans and leases to total assets | 69.1630% | 2,249 |
| Net loans and leases to deposits | 77.5854% | 3,072 |
| Net loans and leases to core deposits | 84.5591% | 2,973 |
| Total domestic deposits to total assets | 89.1443% | 1,336 |
| Equity capital to assets | 9.5460% | 5,014 |
| Core capital (leverage) ratio | 8.7368% | 5,356 |
| Tier 1 risk-based capital ratio | 14.3837% | 4,066 |
| Total risk-based capital ratio | 15.6349% | 4,032 |
| Memoranda: | ||
| Average total assets | $210,349,250 | 2,953 |
| Average earning assets | $194,802,250 | 2,927 |
| Average equity | $19,123,750 | 3,264 |
| Average total loans | $148,735,250 | 2,679 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6182% | 4,891 |
| Cost of funding earning assets | 1.1788% | 2,713 |
| Net interest margin | 3.4395% | 5,408 |
| Noninterest income to average assets | 0.2716% | 5,699 |
| Noninterest expense to average assets | 2.8807% | 4,100 |
| Loan and lease loss provision to assets | 0.5139% | 1,906 |
| Net operating income to assets | 0.0593% | 6,094 |
| Return on assets (ROA) | 0.0566% | 6,181 |
| Pretax return on assets | 0.0575% | 6,174 |
| Return on Equity (ROE) | 0.6325% | 6,162 |
| Retained earnings to average equity (ytd only) | 0.6325% | 5,604 |
| Net charge-offs to loans | 0.4918% | 2,629 |
| Credit loss provision to net charge-offs | 147.2973% | 2,077 |
| Earnings coverage of net charge-offs (x) | 1.6459% | 4,058 |
| Efficiency ratio | 81.5229% | 2,165 |
| Assets per employee ($millions) | 5.1963% | 1,876 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0974% | 5,967 |
| Loan loss allowance to noncurrent loans | 15.0078% | 6,865 |
| Noncurrent assets plus other real estate owned to assets | 5.6424% | 1,033 |
| Noncurrent loans to loans | 7.3124% | 681 |
| Net loans and leases to total assets | 70.6745% | 2,078 |
| Net loans and leases to deposits | 78.7358% | 3,003 |
| Net loans and leases to core deposits | 86.0649% | 2,895 |
| Total domestic deposits to total assets | 89.7615% | 1,089 |
| Equity capital to assets | 9.2671% | 5,183 |
| Core capital (leverage) ratio | 8.6535% | 5,300 |
| Tier 1 risk-based capital ratio | 13.1353% | 4,814 |
| Total risk-based capital ratio | 14.3210% | 4,842 |
| Memoranda: | ||
| Average total assets | $212,102,000 | 2,947 |
| Average earning assets | $196,309,000 | 2,918 |
| Average equity | $18,972,330 | 3,268 |
| Average total loans | $150,474,000 | 2,676 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6529% | 4,733 |
| Cost of funding earning assets | 1.2208% | 2,679 |
| Net interest margin | 3.4321% | 5,294 |
| Noninterest income to average assets | 0.2315% | 6,062 |
| Noninterest expense to average assets | 2.9053% | 4,036 |
| Loan and lease loss provision to assets | 0.6797% | 1,251 |
| Net operating income to assets | -0.1667% | 6,524 |
| Return on assets (ROA) | -0.1718% | 6,550 |
| Pretax return on assets | -0.1886% | 6,531 |
| Return on Equity (ROE) | -1.9546% | 6,579 |
| Retained earnings to average equity (ytd only) | -1.9546% | 6,137 |
| Net charge-offs to loans | 0.8452% | 1,560 |
| Credit loss provision to net charge-offs | 113.7500% | 2,361 |
| Earnings coverage of net charge-offs (x) | 0.8313% | 4,018 |
| Efficiency ratio | 83.5346% | 2,009 |
| Assets per employee ($millions) | 5.1154% | 2,007 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9964% | 6,413 |
| Loan loss allowance to noncurrent loans | 15.2523% | 6,914 |
| Noncurrent assets plus other real estate owned to assets | 5.1933% | 1,207 |
| Noncurrent loans to loans | 6.5331% | 902 |
| Net loans and leases to total assets | 71.0125% | 1,920 |
| Net loans and leases to deposits | 78.7068% | 2,941 |
| Net loans and leases to core deposits | 85.6707% | 2,927 |
| Total domestic deposits to total assets | 90.2242% | 1,005 |
| Equity capital to assets | 8.9324% | 5,306 |
| Core capital (leverage) ratio | 8.5151% | 5,424 |
| Tier 1 risk-based capital ratio | 13.0183% | 4,812 |
| Total risk-based capital ratio | 14.0934% | 4,921 |
| Memoranda: | ||
| Average total assets | $214,226,500 | 2,945 |
| Average earning assets | $197,896,000 | 2,913 |
| Average equity | $18,827,500 | 3,278 |
| Average total loans | $151,446,500 | 2,694 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8306% | 5,311 |
| Cost of funding earning assets | 1.6619% | 1,766 |
| Net interest margin | 3.1686% | 6,342 |
| Noninterest income to average assets | 0.3874% | 4,997 |
| Noninterest expense to average assets | 2.6869% | 5,045 |
| Loan and lease loss provision to assets | 0.5101% | 3,113 |
| Net operating income to assets | 0.1224% | 5,533 |
| Return on assets (ROA) | 0.2164% | 5,381 |
| Pretax return on assets | 0.2385% | 5,383 |
| Return on Equity (ROE) | 2.4567% | 5,207 |
| Retained earnings to average equity (ytd only) | 2.4567% | 4,157 |
| Net charge-offs to loans | 0.5068% | 3,591 |
| Credit loss provision to net charge-offs | 142.1255% | 2,635 |
| Earnings coverage of net charge-offs (x) | 1.7977% | 4,372 |
| Efficiency ratio | 78.7478% | 2,569 |
| Assets per employee ($millions) | 5.2076% | 1,853 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9544% | 6,559 |
| Loan loss allowance to noncurrent loans | 13.5298% | 7,026 |
| Noncurrent assets plus other real estate owned to assets | 5.6039% | 1,096 |
| Noncurrent loans to loans | 7.0537% | 796 |
| Net loans and leases to total assets | 69.0391% | 2,748 |
| Net loans and leases to deposits | 76.2353% | 3,806 |
| Net loans and leases to core deposits | 82.9901% | 3,745 |
| Total domestic deposits to total assets | 90.5606% | 807 |
| Equity capital to assets | 8.6507% | 5,653 |
| Core capital (leverage) ratio | 8.4215% | 5,496 |
| Tier 1 risk-based capital ratio | 12.5506% | 4,977 |
| Total risk-based capital ratio | 13.5509% | 5,173 |
| Memoranda: | ||
| Average total assets | $217,610,000 | 2,899 |
| Average earning assets | $202,233,200 | 2,846 |
| Average equity | $19,172,200 | 3,261 |
| Average total loans | $154,118,200 | 2,700 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8878% | 5,319 |
| Cost of funding earning assets | 1.7348% | 1,701 |
| Net interest margin | 3.1530% | 6,477 |
| Noninterest income to average assets | 0.3485% | 5,385 |
| Noninterest expense to average assets | 2.6852% | 4,945 |
| Loan and lease loss provision to assets | 0.4969% | 2,977 |
| Net operating income to assets | 0.0940% | 5,791 |
| Return on assets (ROA) | 0.2196% | 5,614 |
| Pretax return on assets | 0.2423% | 5,632 |
| Return on Equity (ROE) | 2.4815% | 5,439 |
| Retained earnings to average equity (ytd only) | 2.4815% | 4,685 |
| Net charge-offs to loans | 0.6773% | 2,730 |
| Credit loss provision to net charge-offs | 103.1847% | 4,162 |
| Earnings coverage of net charge-offs (x) | 1.2484% | 4,820 |
| Efficiency ratio | 79.8021% | 2,367 |
| Assets per employee ($millions) | 5.1729% | 1,971 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7444% | 7,122 |
| Loan loss allowance to noncurrent loans | 9.3410% | 7,191 |
| Noncurrent assets plus other real estate owned to assets | 6.2836% | 920 |
| Noncurrent loans to loans | 7.9696% | 654 |
| Net loans and leases to total assets | 70.6342% | 2,578 |
| Net loans and leases to deposits | 78.4839% | 3,741 |
| Net loans and leases to core deposits | 86.3349% | 3,600 |
| Total domestic deposits to total assets | 89.9983% | 882 |
| Equity capital to assets | 8.9237% | 5,675 |
| Core capital (leverage) ratio | 8.3452% | 5,798 |
| Tier 1 risk-based capital ratio | 12.5234% | 4,956 |
| Total risk-based capital ratio | 13.3202% | 5,367 |
| Memoranda: | ||
| Average total assets | $217,332,250 | 2,949 |
| Average earning assets | $202,512,750 | 2,885 |
| Average equity | $19,235,000 | 3,288 |
| Average total loans | $154,533,250 | 2,737 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9498% | 5,177 |
| Cost of funding earning assets | 1.7905% | 1,682 |
| Net interest margin | 3.1593% | 6,434 |
| Noninterest income to average assets | 0.3046% | 5,721 |
| Noninterest expense to average assets | 2.6988% | 4,910 |
| Loan and lease loss provision to assets | 0.4969% | 2,813 |
| Net operating income to assets | 0.0474% | 5,996 |
| Return on assets (ROA) | 0.2337% | 5,580 |
| Pretax return on assets | 0.2595% | 5,627 |
| Return on Equity (ROE) | 2.6480% | 5,398 |
| Retained earnings to average equity (ytd only) | 2.6480% | 4,455 |
| Net charge-offs to loans | 0.5954% | 2,738 |
| Credit loss provision to net charge-offs | 117.3913% | 3,461 |
| Earnings coverage of net charge-offs (x) | 1.2978% | 4,533 |
| Efficiency ratio | 81.1615% | 2,278 |
| Assets per employee ($millions) | 5.1012% | 2,048 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7816% | 7,076 |
| Loan loss allowance to noncurrent loans | 13.0167% | 7,193 |
| Noncurrent assets plus other real estate owned to assets | 5.0595% | 1,261 |
| Noncurrent loans to loans | 6.0046% | 1,064 |
| Net loans and leases to total assets | 71.4548% | 2,547 |
| Net loans and leases to deposits | 79.5419% | 3,678 |
| Net loans and leases to core deposits | 87.6203% | 3,595 |
| Total domestic deposits to total assets | 89.8329% | 1,001 |
| Equity capital to assets | 8.9396% | 5,541 |
| Core capital (leverage) ratio | 8.4084% | 5,566 |
| Tier 1 risk-based capital ratio | 12.4071% | 4,938 |
| Total risk-based capital ratio | 13.2377% | 5,287 |
| Memoranda: | ||
| Average total assets | $217,355,330 | 2,969 |
| Average earning assets | $202,512,330 | 2,907 |
| Average equity | $19,184,000 | 3,280 |
| Average total loans | $154,506,670 | 2,769 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9524% | 5,226 |
| Cost of funding earning assets | 1.8613% | 1,607 |
| Net interest margin | 3.0911% | 6,613 |
| Noninterest income to average assets | 0.2960% | 5,777 |
| Noninterest expense to average assets | 2.7080% | 4,870 |
| Loan and lease loss provision to assets | 0.4934% | 2,526 |
| Net operating income to assets | -0.0164% | 6,328 |
| Return on assets (ROA) | 0.0530% | 6,259 |
| Pretax return on assets | 0.0439% | 6,272 |
| Return on Equity (ROE) | 0.6042% | 6,234 |
| Retained earnings to average equity (ytd only) | 0.6042% | 5,580 |
| Net charge-offs to loans | 0.3312% | 3,082 |
| Credit loss provision to net charge-offs | 210.9375% | 1,766 |
| Earnings coverage of net charge-offs (x) | 2.0000% | 3,540 |
| Efficiency ratio | 83.3142% | 2,100 |
| Assets per employee ($millions) | 5.1435% | 2,037 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8231% | 7,073 |
| Loan loss allowance to noncurrent loans | 30.4808% | 6,370 |
| Noncurrent assets plus other real estate owned to assets | 2.4580% | 2,954 |
| Noncurrent loans to loans | 2.7004% | 2,971 |
| Net loans and leases to total assets | 70.7251% | 2,758 |
| Net loans and leases to deposits | 78.5086% | 3,944 |
| Net loans and leases to core deposits | 85.7263% | 3,940 |
| Total domestic deposits to total assets | 90.0859% | 943 |
| Equity capital to assets | 8.9050% | 5,405 |
| Core capital (leverage) ratio | 8.0505% | 6,162 |
| Tier 1 risk-based capital ratio | 12.5524% | 4,692 |
| Total risk-based capital ratio | 13.4535% | 4,964 |
| Memoranda: | ||
| Average total assets | $218,908,000 | 3,004 |
| Average earning assets | $203,943,000 | 2,941 |
| Average equity | $19,199,500 | 3,304 |
| Average total loans | $154,611,000 | 2,833 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2955% | 5,194 |
| Cost of funding earning assets | 2.3992% | 1,304 |
| Net interest margin | 2.8962% | 6,877 |
| Noninterest income to average assets | 0.3564% | 5,550 |
| Noninterest expense to average assets | 2.6168% | 5,726 |
| Loan and lease loss provision to assets | 0.4679% | 4,021 |
| Net operating income to assets | 0.0188% | 5,431 |
| Return on assets (ROA) | 0.0229% | 5,463 |
| Pretax return on assets | 0.0050% | 5,435 |
| Return on Equity (ROE) | 0.2631% | 5,453 |
| Retained earnings to average equity (ytd only) | 0.2631% | 4,763 |
| Net charge-offs to loans | 0.3552% | 4,453 |
| Credit loss provision to net charge-offs | 187.8453% | 2,152 |
| Earnings coverage of net charge-offs (x) | 1.8821% | 4,314 |
| Efficiency ratio | 82.7709% | 2,508 |
| Assets per employee ($millions) | 5.2807% | 1,852 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7257% | 7,322 |
| Loan loss allowance to noncurrent loans | 15.6737% | 7,227 |
| Noncurrent assets plus other real estate owned to assets | 3.6088% | 1,849 |
| Noncurrent loans to loans | 4.6298% | 1,521 |
| Net loans and leases to total assets | 69.4546% | 3,376 |
| Net loans and leases to deposits | 76.8269% | 4,602 |
| Net loans and leases to core deposits | 99.3070% | 4,078 |
| Total domestic deposits to total assets | 90.4040% | 778 |
| Equity capital to assets | 8.6397% | 5,680 |
| Core capital (leverage) ratio | 8.0255% | 6,131 |
| Tier 1 risk-based capital ratio | 12.2947% | 4,692 |
| Total risk-based capital ratio | 13.1593% | 4,979 |
| Memoranda: | ||
| Average total assets | $218,012,800 | 2,970 |
| Average earning assets | $205,440,000 | 2,900 |
| Average equity | $19,003,200 | 3,344 |
| Average total loans | $152,883,600 | 2,877 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3734% | 5,074 |
| Cost of funding earning assets | 2.5097% | 1,268 |
| Net interest margin | 2.8637% | 6,930 |
| Noninterest income to average assets | 0.3778% | 5,490 |
| Noninterest expense to average assets | 2.6338% | 5,581 |
| Loan and lease loss provision to assets | 0.4607% | 3,608 |
| Net operating income to assets | 0.0107% | 5,689 |
| Return on assets (ROA) | 0.0111% | 5,742 |
| Pretax return on assets | -0.0086% | 5,721 |
| Return on Equity (ROE) | 0.1266% | 5,736 |
| Retained earnings to average equity (ytd only) | 0.1266% | 5,146 |
| Net charge-offs to loans | 0.4753% | 3,325 |
| Credit loss provision to net charge-offs | 138.1215% | 3,583 |
| Earnings coverage of net charge-offs (x) | 1.3536% | 4,768 |
| Efficiency ratio | 83.3367% | 2,382 |
| Assets per employee ($millions) | 5.1920% | 1,902 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5622% | 7,630 |
| Loan loss allowance to noncurrent loans | 19.1114% | 7,134 |
| Noncurrent assets plus other real estate owned to assets | 2.2640% | 3,024 |
| Noncurrent loans to loans | 2.9416% | 2,589 |
| Net loans and leases to total assets | 69.4317% | 3,625 |
| Net loans and leases to deposits | 78.2833% | 4,702 |
| Net loans and leases to core deposits | 102.8315% | 4,068 |
| Total domestic deposits to total assets | 88.6929% | 1,343 |
| Equity capital to assets | 8.9202% | 5,607 |
| Core capital (leverage) ratio | 7.8792% | 6,528 |
| Tier 1 risk-based capital ratio | 11.5941% | 5,350 |
| Total risk-based capital ratio | 12.2879% | 5,872 |
| Memoranda: | ||
| Average total assets | $217,068,250 | 2,998 |
| Average earning assets | $205,228,250 | 2,918 |
| Average equity | $18,963,500 | 3,379 |
| Average total loans | $152,312,000 | 2,909 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4194% | 5,040 |
| Cost of funding earning assets | 2.5862% | 1,327 |
| Net interest margin | 2.8331% | 6,947 |
| Noninterest income to average assets | 0.4300% | 5,032 |
| Noninterest expense to average assets | 2.6465% | 5,574 |
| Loan and lease loss provision to assets | 0.3045% | 4,129 |
| Net operating income to assets | 0.1440% | 5,434 |
| Return on assets (ROA) | 0.1449% | 5,528 |
| Pretax return on assets | 0.1587% | 5,552 |
| Return on Equity (ROE) | 1.6702% | 5,413 |
| Retained earnings to average equity (ytd only) | 1.6702% | 4,409 |
| Net charge-offs to loans | 0.0473% | 5,815 |
| Credit loss provision to net charge-offs | 916.6667% | 526 |
| Earnings coverage of net charge-offs (x) | 13.9167% | 1,700 |
| Efficiency ratio | 83.1107% | 2,589 |
| Assets per employee ($millions) | 5.2549% | 1,809 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6209% | 7,594 |
| Loan loss allowance to noncurrent loans | 27.5409% | 6,662 |
| Noncurrent assets plus other real estate owned to assets | 1.8056% | 3,463 |
| Noncurrent loans to loans | 2.2544% | 3,182 |
| Net loans and leases to total assets | 68.3875% | 4,088 |
| Net loans and leases to deposits | 75.5787% | 5,231 |
| Net loans and leases to core deposits | 101.0477% | 4,396 |
| Total domestic deposits to total assets | 90.4851% | 637 |
| Equity capital to assets | 8.5561% | 5,963 |
| Core capital (leverage) ratio | 7.7802% | 6,638 |
| Tier 1 risk-based capital ratio | 11.5246% | 5,355 |
| Total risk-based capital ratio | 12.1387% | 5,936 |
| Memoranda: | ||
| Average total assets | $216,735,670 | 3,021 |
| Average earning assets | $204,931,000 | 2,937 |
| Average equity | $18,800,670 | 3,425 |
| Average total loans | $152,328,330 | 2,937 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5364% | 4,721 |
| Cost of funding earning assets | 2.6538% | 1,397 |
| Net interest margin | 2.8826% | 6,795 |
| Noninterest income to average assets | 0.3967% | 5,234 |
| Noninterest expense to average assets | 2.5928% | 5,484 |
| Loan and lease loss provision to assets | 0.2794% | 3,719 |
| Net operating income to assets | 0.2235% | 5,590 |
| Return on assets (ROA) | 0.2235% | 5,750 |
| Pretax return on assets | 0.2477% | 5,830 |
| Return on Equity (ROE) | 2.5588% | 5,545 |
| Retained earnings to average equity (ytd only) | 2.5588% | 4,455 |
| Net charge-offs to loans | 0.0105% | 5,485 |
| Credit loss provision to net charge-offs | 3,750.0000% | 186 |
| Earnings coverage of net charge-offs (x) | 70.7500% | 572 |
| Efficiency ratio | 81.0746% | 2,668 |
| Assets per employee ($millions) | 5.0738% | 1,992 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5208% | 7,791 |
| Loan loss allowance to noncurrent loans | 22.1387% | 7,058 |
| Noncurrent assets plus other real estate owned to assets | 1.7193% | 3,341 |
| Noncurrent loans to loans | 2.3525% | 2,800 |
| Net loans and leases to total assets | 69.6003% | 3,777 |
| Net loans and leases to deposits | 76.9421% | 5,091 |
| Net loans and leases to core deposits | 103.0834% | 4,232 |
| Total domestic deposits to total assets | 90.4580% | 614 |
| Equity capital to assets | 8.6702% | 5,811 |
| Core capital (leverage) ratio | 7.9707% | 6,509 |
| Tier 1 risk-based capital ratio | 11.5515% | 5,357 |
| Total risk-based capital ratio | 12.0700% | 5,980 |
| Memoranda: | ||
| Average total assets | $214,750,000 | 3,057 |
| Average earning assets | $202,875,500 | 2,979 |
| Average equity | $18,759,000 | 3,446 |
| Average total loans | $152,553,000 | 2,964 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7284% | 6,683 |
| Cost of funding earning assets | 3.0756% | 1,586 |
| Net interest margin | 2.6528% | 7,573 |
| Noninterest income to average assets | 0.2529% | 6,640 |
| Noninterest expense to average assets | 2.4969% | 6,018 |
| Loan and lease loss provision to assets | 0.0709% | 6,513 |
| Net operating income to assets | 0.1829% | 5,903 |
| Return on assets (ROA) | 0.1829% | 5,737 |
| Pretax return on assets | 0.1927% | 5,750 |
| Return on Equity (ROE) | 1.6992% | 5,708 |
| Retained earnings to average equity (ytd only) | 1.6992% | 4,199 |
| Net charge-offs to loans | 0.0285% | 6,422 |
| Credit loss provision to net charge-offs | 355.8140% | 1,255 |
| Earnings coverage of net charge-offs (x) | 13.2326% | 2,151 |
| Efficiency ratio | 88.1544% | 1,668 |
| Assets per employee ($millions) | 5.0316% | 1,923 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4257% | 7,950 |
| Loan loss allowance to noncurrent loans | 22.0598% | 7,142 |
| Noncurrent assets plus other real estate owned to assets | 1.4664% | 3,289 |
| Noncurrent loans to loans | 1.9297% | 2,859 |
| Net loans and leases to total assets | 71.8380% | 3,622 |
| Net loans and leases to deposits | 79.7949% | 5,077 |
| Net loans and leases to core deposits | 106.2045% | 4,172 |
| Total domestic deposits to total assets | 90.0283% | 638 |
| Equity capital to assets | 8.8025% | 5,650 |
| Core capital (leverage) ratio | 8.0033% | 6,481 |
| Tier 1 risk-based capital ratio | 11.4452% | 5,292 |
| Total risk-based capital ratio | 11.8689% | 5,978 |
| Memoranda: | ||
| Average total assets | $215,909,400 | 2,929 |
| Average earning assets | $204,087,000 | 2,853 |
| Average equity | $23,245,800 | 2,820 |
| Average total loans | $150,679,400 | 2,916 |