Home > Hull State Bank > Performance and Condition Ratios
Hull State 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 | 4.5259% | 2,107 |
| Cost of funding earning assets | 0.2520% | 5,947 |
| Net interest margin | 4.2739% | 1,165 |
| Noninterest income to average assets | 0.7149% | 2,460 |
| Noninterest expense to average assets | 4.7480% | 426 |
| Loan and lease loss provision to assets | 0.0625% | 3,886 |
| Net operating income to assets | -0.4294% | 6,465 |
| Return on assets (ROA) | -0.4294% | 6,478 |
| Pretax return on assets | -0.6670% | 6,530 |
| Return on Equity (ROE) | -4.3087% | 6,465 |
| Retained earnings to average equity (ytd only) | -4.3087% | 6,333 |
| Net charge-offs to loans | -0.3952% | 6,706 |
| Credit loss provision to net charge-offs | -42.8571% | 5,774 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 114.5875% | 219 |
| Assets per employee ($millions) | 2.8790% | 6,007 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5093% | 3,135 |
| Loan loss allowance to noncurrent loans | 3,933.3333% | 169 |
| Noncurrent assets plus other real estate owned to assets | 0.0130% | 6,377 |
| Noncurrent loans to loans | 0.0384% | 6,131 |
| Net loans and leases to total assets | 33.4317% | 6,320 |
| Net loans and leases to deposits | 37.0995% | 6,394 |
| Net loans and leases to core deposits | 38.4981% | 6,403 |
| Total domestic deposits to total assets | 90.1138% | 1,020 |
| Equity capital to assets | 9.8341% | 3,983 |
| Core capital (leverage) ratio | 9.6567% | 4,049 |
| Tier 1 risk-based capital ratio | 22.1133% | 1,238 |
| Total risk-based capital ratio | 23.2530% | 1,235 |
| Memoranda: | ||
| Average total assets | $47,978,000 | 6,071 |
| Average earning assets | $38,489,800 | 6,209 |
| Average equity | $4,781,000 | 6,121 |
| Average total loans | $17,712,800 | 6,297 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4511% | 2,416 |
| Cost of funding earning assets | 0.2534% | 6,060 |
| Net interest margin | 4.1978% | 1,341 |
| Noninterest income to average assets | 0.7264% | 2,477 |
| Noninterest expense to average assets | 3.9044% | 963 |
| Loan and lease loss provision to assets | 0.0660% | 3,735 |
| Net operating income to assets | 0.0660% | 6,195 |
| Return on assets (ROA) | 0.0660% | 6,251 |
| Pretax return on assets | 0.1293% | 6,174 |
| Return on Equity (ROE) | 0.6606% | 6,236 |
| Retained earnings to average equity (ytd only) | 0.6606% | 5,702 |
| Net charge-offs to loans | 0.1536% | 3,012 |
| Credit loss provision to net charge-offs | 114.2857% | 2,056 |
| Earnings coverage of net charge-offs (x) | 3.3807% | 3,718 |
| Efficiency ratio | 95.2349% | 663 |
| Assets per employee ($millions) | 2.9088% | 5,994 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7644% | 6,343 |
| Loan loss allowance to noncurrent loans | 156.1798% | 2,460 |
| Noncurrent assets plus other real estate owned to assets | 0.1912% | 5,866 |
| Noncurrent loans to loans | 0.4894% | 4,974 |
| Net loans and leases to total assets | 38.7723% | 6,120 |
| Net loans and leases to deposits | 43.3264% | 6,246 |
| Net loans and leases to core deposits | 44.9529% | 6,253 |
| Total domestic deposits to total assets | 89.4888% | 1,305 |
| Equity capital to assets | 10.2426% | 3,585 |
| Core capital (leverage) ratio | 10.3116% | 3,226 |
| Tier 1 risk-based capital ratio | 21.0287% | 1,487 |
| Total risk-based capital ratio | 21.6366% | 1,605 |
| Memoranda: | ||
| Average total assets | $48,456,500 | 6,127 |
| Average earning assets | $38,940,500 | 6,269 |
| Average equity | $4,843,750 | 6,180 |
| Average total loans | $18,232,000 | 6,345 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3557% | 2,738 |
| Cost of funding earning assets | 0.2583% | 6,118 |
| Net interest margin | 4.0974% | 1,550 |
| Noninterest income to average assets | 0.7333% | 2,485 |
| Noninterest expense to average assets | 3.8456% | 1,041 |
| Loan and lease loss provision to assets | 0.0611% | 3,788 |
| Net operating income to assets | 0.0407% | 6,255 |
| Return on assets (ROA) | 0.0407% | 6,329 |
| Pretax return on assets | 0.1222% | 6,200 |
| Return on Equity (ROE) | 0.4107% | 6,323 |
| Retained earnings to average equity (ytd only) | 0.4107% | 5,731 |
| Net charge-offs to loans | 0.1096% | 3,264 |
| Credit loss provision to net charge-offs | 150.0000% | 1,535 |
| Earnings coverage of net charge-offs (x) | 4.5000% | 3,113 |
| Efficiency ratio | 95.4499% | 686 |
| Assets per employee ($millions) | 2.9438% | 5,943 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7543% | 6,426 |
| Loan loss allowance to noncurrent loans | 156.6667% | 2,434 |
| Noncurrent assets plus other real estate owned to assets | 0.1911% | 5,919 |
| Noncurrent loans to loans | 0.4815% | 5,064 |
| Net loans and leases to total assets | 39.3864% | 6,083 |
| Net loans and leases to deposits | 43.9503% | 6,232 |
| Net loans and leases to core deposits | 45.5765% | 6,247 |
| Total domestic deposits to total assets | 89.6157% | 1,258 |
| Equity capital to assets | 10.1359% | 3,741 |
| Core capital (leverage) ratio | 9.7438% | 3,873 |
| Tier 1 risk-based capital ratio | 20.2423% | 1,669 |
| Total risk-based capital ratio | 20.8376% | 1,807 |
| Memoranda: | ||
| Average total assets | $49,095,000 | 6,143 |
| Average earning assets | $39,488,330 | 6,300 |
| Average equity | $4,869,330 | 6,220 |
| Average total loans | $18,248,000 | 6,388 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2353% | 3,164 |
| Cost of funding earning assets | 0.2585% | 6,230 |
| Net interest margin | 3.9768% | 1,875 |
| Noninterest income to average assets | 0.7107% | 2,533 |
| Noninterest expense to average assets | 3.8489% | 1,057 |
| Loan and lease loss provision to assets | 0.0719% | 3,431 |
| Net operating income to assets | -0.0559% | 6,409 |
| Return on assets (ROA) | -0.0559% | 6,461 |
| Pretax return on assets | -0.0160% | 6,422 |
| Return on Equity (ROE) | -0.5695% | 6,467 |
| Retained earnings to average equity (ytd only) | -0.5695% | 5,892 |
| Net charge-offs to loans | 0.0666% | 3,163 |
| Credit loss provision to net charge-offs | 300.0000% | 789 |
| Earnings coverage of net charge-offs (x) | 2.3333% | 3,067 |
| Efficiency ratio | 98.5685% | 613 |
| Assets per employee ($millions) | 3.1993% | 5,624 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7920% | 6,467 |
| Loan loss allowance to noncurrent loans | 139.2157% | 2,531 |
| Noncurrent assets plus other real estate owned to assets | 0.1993% | 5,970 |
| Noncurrent loans to loans | 0.5689% | 5,015 |
| Net loans and leases to total assets | 34.7497% | 6,377 |
| Net loans and leases to deposits | 38.5556% | 6,482 |
| Net loans and leases to core deposits | 40.0847% | 6,479 |
| Total domestic deposits to total assets | 90.1287% | 970 |
| Equity capital to assets | 9.5665% | 4,760 |
| Core capital (leverage) ratio | 9.5364% | 4,018 |
| Tier 1 risk-based capital ratio | 20.0832% | 1,744 |
| Total risk-based capital ratio | 20.6885% | 1,900 |
| Memoranda: | ||
| Average total assets | $50,092,500 | 6,181 |
| Average earning assets | $40,233,000 | 6,330 |
| Average equity | $4,917,000 | 6,275 |
| Average total loans | $18,026,000 | 6,450 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9879% | 1,592 |
| Cost of funding earning assets | 0.3188% | 6,364 |
| Net interest margin | 4.6691% | 692 |
| Noninterest income to average assets | 0.7462% | 2,516 |
| Noninterest expense to average assets | 4.0367% | 940 |
| Loan and lease loss provision to assets | 0.4827% | 1,266 |
| Net operating income to assets | -0.0624% | 6,248 |
| Return on assets (ROA) | -0.0624% | 6,355 |
| Pretax return on assets | -0.0905% | 6,358 |
| Return on Equity (ROE) | -0.6317% | 6,354 |
| Retained earnings to average equity (ytd only) | -0.6317% | 5,956 |
| Net charge-offs to loans | 0.9571% | 1,154 |
| Credit loss provision to net charge-offs | 125.6545% | 2,251 |
| Earnings coverage of net charge-offs (x) | 1.0209% | 4,959 |
| Efficiency ratio | 91.1444% | 975 |
| Assets per employee ($millions) | 3.0623% | 5,917 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7505% | 6,566 |
| Loan loss allowance to noncurrent loans | 117.2414% | 2,907 |
| Noncurrent assets plus other real estate owned to assets | 0.2368% | 5,960 |
| Noncurrent loans to loans | 0.6401% | 4,919 |
| Net loans and leases to total assets | 36.7091% | 6,390 |
| Net loans and leases to deposits | 40.9723% | 6,505 |
| Net loans and leases to core deposits | 42.6826% | 6,519 |
| Total domestic deposits to total assets | 89.5951% | 1,194 |
| Equity capital to assets | 10.0763% | 4,064 |
| Core capital (leverage) ratio | 9.8382% | 3,618 |
| Tier 1 risk-based capital ratio | 15.2878% | 3,553 |
| Total risk-based capital ratio | 15.7320% | 3,994 |
| Memoranda: | ||
| Average total assets | $49,718,400 | 6,220 |
| Average earning assets | $39,215,200 | 6,385 |
| Average equity | $4,907,600 | 6,323 |
| Average total loans | $19,956,600 | 6,428 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0954% | 1,437 |
| Cost of funding earning assets | 0.3329% | 6,451 |
| Net interest margin | 4.7625% | 595 |
| Noninterest income to average assets | 0.7508% | 2,479 |
| Noninterest expense to average assets | 4.0374% | 894 |
| Loan and lease loss provision to assets | 0.5932% | 943 |
| Net operating income to assets | -0.1336% | 6,440 |
| Return on assets (ROA) | -0.1336% | 6,522 |
| Pretax return on assets | -0.1336% | 6,502 |
| Return on Equity (ROE) | -1.3605% | 6,526 |
| Retained earnings to average equity (ytd only) | -1.3605% | 6,315 |
| Net charge-offs to loans | 1.1951% | 819 |
| Credit loss provision to net charge-offs | 121.3115% | 2,389 |
| Earnings coverage of net charge-offs (x) | 0.9399% | 4,855 |
| Efficiency ratio | 89.7802% | 1,060 |
| Assets per employee ($millions) | 3.2281% | 5,585 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6215% | 6,839 |
| Loan loss allowance to noncurrent loans | 91.9708% | 3,473 |
| Noncurrent assets plus other real estate owned to assets | 0.2829% | 5,992 |
| Noncurrent loans to loans | 0.6758% | 5,093 |
| Net loans and leases to total assets | 41.6059% | 6,156 |
| Net loans and leases to deposits | 46.6202% | 6,345 |
| Net loans and leases to core deposits | 48.5973% | 6,375 |
| Total domestic deposits to total assets | 89.2443% | 1,286 |
| Equity capital to assets | 10.2476% | 4,142 |
| Core capital (leverage) ratio | 9.8763% | 3,716 |
| Tier 1 risk-based capital ratio | 12.9992% | 5,252 |
| Total risk-based capital ratio | 13.3512% | 5,864 |
| Memoranda: | ||
| Average total assets | $49,899,000 | 6,287 |
| Average earning assets | $39,250,000 | 6,456 |
| Average equity | $4,900,250 | 6,393 |
| Average total loans | $20,415,250 | 6,495 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0642% | 1,619 |
| Cost of funding earning assets | 0.3526% | 6,501 |
| Net interest margin | 4.7116% | 659 |
| Noninterest income to average assets | 0.7581% | 2,382 |
| Noninterest expense to average assets | 4.0404% | 898 |
| Loan and lease loss provision to assets | 1.0240% | 430 |
| Net operating income to assets | -0.6469% | 6,798 |
| Return on assets (ROA) | -0.6469% | 6,828 |
| Pretax return on assets | -0.6469% | 6,796 |
| Return on Equity (ROE) | -6.6808% | 6,821 |
| Retained earnings to average equity (ytd only) | -6.6808% | 6,703 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.4645% | 963 |
| Assets per employee ($millions) | 2.7433% | 6,484 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6249% | 3,513 |
| Loan loss allowance to noncurrent loans | 106.7901% | 3,026 |
| Noncurrent assets plus other real estate owned to assets | 0.6561% | 5,139 |
| Noncurrent loans to loans | 1.5216% | 3,624 |
| Net loans and leases to total assets | 42.4200% | 6,164 |
| Net loans and leases to deposits | 47.1769% | 6,364 |
| Net loans and leases to core deposits | 49.1206% | 6,392 |
| Total domestic deposits to total assets | 89.9170% | 972 |
| Equity capital to assets | 9.6922% | 4,769 |
| Core capital (leverage) ratio | 9.1723% | 4,654 |
| Tier 1 risk-based capital ratio | 12.2965% | 5,726 |
| Total risk-based capital ratio | 13.2163% | 5,927 |
| Memoranda: | ||
| Average total assets | $50,391,670 | 6,315 |
| Average earning assets | $39,137,670 | 6,505 |
| Average equity | $4,879,670 | 6,421 |
| Average total loans | $20,463,000 | 6,543 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9787% | 1,965 |
| Cost of funding earning assets | 0.3734% | 6,536 |
| Net interest margin | 4.6053% | 817 |
| Noninterest income to average assets | 0.7309% | 2,491 |
| Noninterest expense to average assets | 3.8509% | 1,132 |
| Loan and lease loss provision to assets | 0.0157% | 5,124 |
| Net operating income to assets | 0.2358% | 5,865 |
| Return on assets (ROA) | 0.2358% | 6,017 |
| Pretax return on assets | 0.3537% | 5,847 |
| Return on Equity (ROE) | 2.4358% | 5,928 |
| Retained earnings to average equity (ytd only) | 2.4358% | 5,044 |
| Net charge-offs to loans | -0.0599% | 6,605 |
| Credit loss provision to net charge-offs | -66.6667% | 5,449 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.2477% | 996 |
| Assets per employee ($millions) | 3.0717% | 6,016 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4653% | 7,092 |
| Loan loss allowance to noncurrent loans | 28.7037% | 6,235 |
| Noncurrent assets plus other real estate owned to assets | 0.6205% | 5,343 |
| Noncurrent loans to loans | 1.6211% | 3,685 |
| Net loans and leases to total assets | 38.0972% | 6,486 |
| Net loans and leases to deposits | 42.2342% | 6,649 |
| Net loans and leases to core deposits | 43.8696% | 6,660 |
| Total domestic deposits to total assets | 90.2047% | 968 |
| Equity capital to assets | 9.4659% | 4,859 |
| Core capital (leverage) ratio | 9.5117% | 4,031 |
| Tier 1 risk-based capital ratio | 13.6861% | 4,692 |
| Total risk-based capital ratio | 13.9488% | 5,404 |
| Memoranda: | ||
| Average total assets | $50,897,500 | 6,340 |
| Average earning assets | $38,564,500 | 6,581 |
| Average equity | $4,926,500 | 6,445 |
| Average total loans | $20,048,000 | 6,609 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1565% | 2,231 |
| Cost of funding earning assets | 0.4467% | 6,738 |
| Net interest margin | 4.7098% | 738 |
| Noninterest income to average assets | 0.8805% | 1,744 |
| Noninterest expense to average assets | 4.2392% | 768 |
| Loan and lease loss provision to assets | 0.0331% | 6,150 |
| Net operating income to assets | 0.3142% | 5,204 |
| Return on assets (ROA) | 0.3142% | 5,360 |
| Pretax return on assets | 0.4216% | 5,224 |
| Return on Equity (ROE) | 3.1237% | 5,236 |
| Retained earnings to average equity (ytd only) | 3.1237% | 4,004 |
| Net charge-offs to loans | 0.0232% | 6,120 |
| Credit loss provision to net charge-offs | 320.0000% | 727 |
| Earnings coverage of net charge-offs (x) | 44.0000% | 624 |
| Efficiency ratio | 90.3126% | 1,159 |
| Assets per employee ($millions) | 2.9162% | 6,261 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5669% | 7,045 |
| Loan loss allowance to noncurrent loans | 35.4037% | 5,870 |
| Noncurrent assets plus other real estate owned to assets | 0.6495% | 5,357 |
| Noncurrent loans to loans | 1.6013% | 3,763 |
| Net loans and leases to total assets | 40.3320% | 6,525 |
| Net loans and leases to deposits | 44.9427% | 6,674 |
| Net loans and leases to core deposits | 46.7883% | 6,701 |
| Total domestic deposits to total assets | 89.7410% | 1,135 |
| Equity capital to assets | 9.9040% | 4,301 |
| Core capital (leverage) ratio | 9.7426% | 3,682 |
| Tier 1 risk-based capital ratio | 13.2579% | 4,870 |
| Total risk-based capital ratio | 13.5718% | 5,576 |
| Memoranda: | ||
| Average total assets | $48,382,200 | 6,405 |
| Average earning assets | $39,173,600 | 6,563 |
| Average equity | $4,866,000 | 6,488 |
| Average total loans | $21,545,800 | 6,577 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1188% | 2,519 |
| Cost of funding earning assets | 0.4583% | 6,855 |
| Net interest margin | 4.6605% | 830 |
| Noninterest income to average assets | 0.9067% | 1,623 |
| Noninterest expense to average assets | 4.2342% | 771 |
| Loan and lease loss provision to assets | 0.0194% | 6,195 |
| Net operating income to assets | 0.3771% | 5,094 |
| Return on assets (ROA) | 0.3771% | 5,278 |
| Pretax return on assets | 0.5158% | 5,116 |
| Return on Equity (ROE) | 3.7349% | 5,116 |
| Retained earnings to average equity (ytd only) | 3.7349% | 4,091 |
| Net charge-offs to loans | 0.0061% | 6,093 |
| Credit loss provision to net charge-offs | 700.0000% | 384 |
| Earnings coverage of net charge-offs (x) | 193.4812% | 198 |
| Efficiency ratio | 88.7791% | 1,268 |
| Assets per employee ($millions) | 2.8487% | 6,402 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5135% | 7,160 |
| Loan loss allowance to noncurrent loans | 33.7461% | 6,044 |
| Noncurrent assets plus other real estate owned to assets | 0.6670% | 5,476 |
| Noncurrent loans to loans | 1.5217% | 3,995 |
| Net loans and leases to total assets | 43.6049% | 6,367 |
| Net loans and leases to deposits | 48.7905% | 6,579 |
| Net loans and leases to core deposits | 50.8513% | 6,629 |
| Total domestic deposits to total assets | 89.3719% | 1,211 |
| Equity capital to assets | 10.1635% | 4,140 |
| Core capital (leverage) ratio | 9.9494% | 3,508 |
| Tier 1 risk-based capital ratio | 14.0936% | 4,285 |
| Total risk-based capital ratio | 14.4136% | 4,956 |
| Memoranda: | ||
| Average total assets | $48,083,750 | 6,476 |
| Average earning assets | $39,851,750 | 6,595 |
| Average equity | $4,855,000 | 6,546 |
| Average total loans | $21,905,000 | 6,622 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0726% | 2,812 |
| Cost of funding earning assets | 0.4779% | 6,922 |
| Net interest margin | 4.5947% | 916 |
| Noninterest income to average assets | 0.9214% | 1,581 |
| Noninterest expense to average assets | 4.2736% | 767 |
| Loan and lease loss provision to assets | 0.0042% | 6,192 |
| Net operating income to assets | 0.3252% | 5,270 |
| Return on assets (ROA) | 0.3252% | 5,406 |
| Pretax return on assets | 0.4920% | 5,100 |
| Return on Equity (ROE) | 3.2280% | 5,292 |
| Retained earnings to average equity (ytd only) | 3.2280% | 4,212 |
| Net charge-offs to loans | 0.0090% | 5,726 |
| Credit loss provision to net charge-offs | 100.0000% | 3,113 |
| Earnings coverage of net charge-offs (x) | 119.0000% | 296 |
| Efficiency ratio | 89.5979% | 1,268 |
| Assets per employee ($millions) | 2.6485% | 6,723 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4625% | 7,248 |
| Loan loss allowance to noncurrent loans | 19.8842% | 6,723 |
| Noncurrent assets plus other real estate owned to assets | 1.0866% | 4,712 |
| Noncurrent loans to loans | 2.3261% | 3,065 |
| Net loans and leases to total assets | 46.4959% | 6,216 |
| Net loans and leases to deposits | 52.0671% | 6,467 |
| Net loans and leases to core deposits | 54.6364% | 6,517 |
| Total domestic deposits to total assets | 89.3000% | 1,357 |
| Equity capital to assets | 10.2091% | 3,870 |
| Core capital (leverage) ratio | 9.7558% | 3,582 |
| Tier 1 risk-based capital ratio | 17.9451% | 2,194 |
| Total risk-based capital ratio | 18.3349% | 2,459 |
| Memoranda: | ||
| Average total assets | $47,969,000 | 6,539 |
| Average earning assets | $40,177,000 | 6,632 |
| Average equity | $4,832,670 | 6,583 |
| Average total loans | $22,131,330 | 6,678 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3244% | 1,798 |
| Cost of funding earning assets | 0.4985% | 6,973 |
| Net interest margin | 4.8259% | 542 |
| Noninterest income to average assets | 0.9144% | 1,605 |
| Noninterest expense to average assets | 4.2147% | 808 |
| Loan and lease loss provision to assets | -0.2743% | 7,519 |
| Net operating income to assets | 0.7482% | 3,286 |
| Return on assets (ROA) | 0.7482% | 3,350 |
| Pretax return on assets | 0.9976% | 3,139 |
| Return on Equity (ROE) | 7.4759% | 3,158 |
| Retained earnings to average equity (ytd only) | 7.4759% | 1,950 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.3535% | 1,792 |
| Assets per employee ($millions) | 2.5894% | 6,861 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3133% | 7,398 |
| Loan loss allowance to noncurrent loans | 28.3401% | 6,389 |
| Noncurrent assets plus other real estate owned to assets | 0.8618% | 5,182 |
| Noncurrent loans to loans | 1.1055% | 4,849 |
| Net loans and leases to total assets | 45.2692% | 6,355 |
| Net loans and leases to deposits | 50.4576% | 6,592 |
| Net loans and leases to core deposits | 53.1678% | 6,610 |
| Total domestic deposits to total assets | 89.7173% | 1,344 |
| Equity capital to assets | 9.8030% | 4,033 |
| Core capital (leverage) ratio | 9.7308% | 3,484 |
| Tier 1 risk-based capital ratio | 14.3206% | 3,854 |
| Total risk-based capital ratio | 14.5314% | 4,570 |
| Memoranda: | ||
| Average total assets | $48,117,000 | 6,583 |
| Average earning assets | $40,117,000 | 6,684 |
| Average equity | $4,815,500 | 6,612 |
| Average total loans | $22,062,500 | 6,737 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6919% | 1,598 |
| Cost of funding earning assets | 0.6575% | 6,991 |
| Net interest margin | 5.0344% | 397 |
| Noninterest income to average assets | 0.8933% | 1,870 |
| Noninterest expense to average assets | 4.4857% | 662 |
| Loan and lease loss provision to assets | 0.0783% | 6,375 |
| Net operating income to assets | 0.3959% | 4,557 |
| Return on assets (ROA) | 0.3959% | 4,701 |
| Pretax return on assets | 0.5758% | 4,401 |
| Return on Equity (ROE) | 3.9041% | 4,573 |
| Retained earnings to average equity (ytd only) | 3.9041% | 3,133 |
| Net charge-offs to loans | 0.1448% | 5,493 |
| Credit loss provision to net charge-offs | 115.6250% | 3,734 |
| Earnings coverage of net charge-offs (x) | 9.6563% | 1,799 |
| Efficiency ratio | 87.2735% | 1,543 |
| Assets per employee ($millions) | 2.6131% | 6,832 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4728% | 7,382 |
| Loan loss allowance to noncurrent loans | 42.9167% | 5,451 |
| Noncurrent assets plus other real estate owned to assets | 0.5103% | 6,005 |
| Noncurrent loans to loans | 1.1018% | 4,897 |
| Net loans and leases to total assets | 46.0933% | 6,551 |
| Net loans and leases to deposits | 51.6154% | 6,772 |
| Net loans and leases to core deposits | 52.8742% | 6,861 |
| Total domestic deposits to total assets | 89.3016% | 1,494 |
| Equity capital to assets | 10.2222% | 3,469 |
| Core capital (leverage) ratio | 9.5901% | 3,573 |
| Tier 1 risk-based capital ratio | 14.9522% | 3,276 |
| Total risk-based capital ratio | 15.2825% | 3,814 |
| Memoranda: | ||
| Average total assets | $47,239,400 | 6,631 |
| Average earning assets | $39,846,200 | 6,722 |
| Average equity | $4,789,800 | 6,731 |
| Average total loans | $22,105,600 | 6,817 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7752% | 1,472 |
| Cost of funding earning assets | 0.6851% | 7,098 |
| Net interest margin | 5.0901% | 363 |
| Noninterest income to average assets | 0.9248% | 1,712 |
| Noninterest expense to average assets | 4.5251% | 570 |
| Loan and lease loss provision to assets | 0.0649% | 6,417 |
| Net operating income to assets | 0.6287% | 3,755 |
| Return on assets (ROA) | 0.6287% | 3,925 |
| Pretax return on assets | 0.6287% | 4,493 |
| Return on Equity (ROE) | 6.2135% | 3,720 |
| Retained earnings to average equity (ytd only) | 6.2135% | 2,254 |
| Net charge-offs to loans | 0.1563% | 5,064 |
| Credit loss provision to net charge-offs | 88.4615% | 4,826 |
| Earnings coverage of net charge-offs (x) | 9.4603% | 2,019 |
| Efficiency ratio | 86.7099% | 1,556 |
| Assets per employee ($millions) | 2.5718% | 6,987 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4068% | 7,530 |
| Loan loss allowance to noncurrent loans | 4,750.0000% | 81 |
| Noncurrent assets plus other real estate owned to assets | 0.0041% | 7,368 |
| Noncurrent loans to loans | 0.0086% | 7,252 |
| Net loans and leases to total assets | 47.5985% | 6,556 |
| Net loans and leases to deposits | 53.1367% | 6,826 |
| Net loans and leases to core deposits | 53.5625% | 6,981 |
| Total domestic deposits to total assets | 89.5774% | 1,078 |
| Equity capital to assets | 9.9621% | 4,203 |
| Core capital (leverage) ratio | 9.9259% | 3,324 |
| Tier 1 risk-based capital ratio | 14.2927% | 3,637 |
| Total risk-based capital ratio | 14.5847% | 4,291 |
| Memoranda: | ||
| Average total assets | $47,290,500 | 6,710 |
| Average earning assets | $39,893,500 | 6,801 |
| Average equity | $4,785,250 | 6,816 |
| Average total loans | $22,186,250 | 6,903 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8059% | 1,409 |
| Cost of funding earning assets | 0.7137% | 7,163 |
| Net interest margin | 5.0922% | 348 |
| Noninterest income to average assets | 0.9195% | 1,621 |
| Noninterest expense to average assets | 4.6402% | 500 |
| Loan and lease loss provision to assets | -0.1454% | 7,776 |
| Net operating income to assets | 0.7270% | 3,286 |
| Return on assets (ROA) | 0.7270% | 3,446 |
| Pretax return on assets | 0.7270% | 4,149 |
| Return on Equity (ROE) | 7.1464% | 3,233 |
| Retained earnings to average equity (ytd only) | 7.1464% | 1,772 |
| Net charge-offs to loans | 0.1468% | 4,764 |
| Credit loss provision to net charge-offs | -212.5000% | 6,734 |
| Earnings coverage of net charge-offs (x) | 8.5000% | 2,128 |
| Efficiency ratio | 88.8616% | 1,428 |
| Assets per employee ($millions) | 2.3598% | 7,288 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2106% | 7,704 |
| Loan loss allowance to noncurrent loans | 2,400.0000% | 168 |
| Noncurrent assets plus other real estate owned to assets | 0.0042% | 7,417 |
| Noncurrent loans to loans | 0.0088% | 7,313 |
| Net loans and leases to total assets | 48.2021% | 6,612 |
| Net loans and leases to deposits | 53.7979% | 6,878 |
| Net loans and leases to core deposits | 56.2621% | 6,928 |
| Total domestic deposits to total assets | 89.5985% | 1,129 |
| Equity capital to assets | 10.2278% | 3,733 |
| Core capital (leverage) ratio | 9.8052% | 3,393 |
| Tier 1 risk-based capital ratio | 14.2537% | 3,571 |
| Total risk-based capital ratio | 14.4010% | 4,279 |
| Memoranda: | ||
| Average total assets | $46,765,670 | 6,767 |
| Average earning assets | $39,511,670 | 6,867 |
| Average equity | $4,757,670 | 6,859 |
| Average total loans | $21,797,000 | 6,977 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8712% | 1,267 |
| Cost of funding earning assets | 0.7582% | 7,211 |
| Net interest margin | 5.1130% | 340 |
| Noninterest income to average assets | 1.1256% | 988 |
| Noninterest expense to average assets | 4.7776% | 446 |
| Loan and lease loss provision to assets | -0.1804% | 7,879 |
| Net operating income to assets | 0.8163% | 2,897 |
| Return on assets (ROA) | 0.8163% | 2,993 |
| Pretax return on assets | 0.8163% | 3,802 |
| Return on Equity (ROE) | 8.0457% | 2,862 |
| Retained earnings to average equity (ytd only) | 8.0457% | 1,691 |
| Net charge-offs to loans | 0.0188% | 5,322 |
| Credit loss provision to net charge-offs | -2,100.0000% | 6,524 |
| Earnings coverage of net charge-offs (x) | 74.0000% | 419 |
| Efficiency ratio | 88.2540% | 1,564 |
| Assets per employee ($millions) | 2.5077% | 7,184 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3512% | 7,721 |
| Loan loss allowance to noncurrent loans | 105.5556% | 2,628 |
| Noncurrent assets plus other real estate owned to assets | 0.1511% | 7,101 |
| Noncurrent loans to loans | 0.3327% | 6,630 |
| Net loans and leases to total assets | 45.2620% | 6,893 |
| Net loans and leases to deposits | 50.5864% | 7,103 |
| Net loans and leases to core deposits | 54.2268% | 7,092 |
| Total domestic deposits to total assets | 89.4747% | 1,256 |
| Equity capital to assets | 10.0195% | 3,845 |
| Core capital (leverage) ratio | 9.9161% | 3,267 |
| Tier 1 risk-based capital ratio | 13.4456% | 4,022 |
| Total risk-based capital ratio | 13.6748% | 4,761 |
| Memoranda: | ||
| Average total assets | $46,551,000 | 6,859 |
| Average earning assets | $39,038,000 | 6,970 |
| Average equity | $4,723,000 | 6,936 |
| Average total loans | $21,297,000 | 7,083 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8863% | 2,296 |
| Cost of funding earning assets | 0.8992% | 7,405 |
| Net interest margin | 4.9871% | 461 |
| Noninterest income to average assets | 0.9237% | 1,855 |
| Noninterest expense to average assets | 4.3886% | 884 |
| Loan and lease loss provision to assets | 1.3500% | 1,706 |
| Net operating income to assets | -0.3678% | 6,044 |
| Return on assets (ROA) | -0.3678% | 6,037 |
| Pretax return on assets | -0.5726% | 6,070 |
| Return on Equity (ROE) | -3.6789% | 6,076 |
| Retained earnings to average equity (ytd only) | -3.6789% | 5,818 |
| Net charge-offs to loans | 3.3086% | 608 |
| Credit loss provision to net charge-offs | 89.3499% | 6,021 |
| Earnings coverage of net charge-offs (x) | 0.5145% | 5,602 |
| Efficiency ratio | 84.9515% | 2,238 |
| Assets per employee ($millions) | 2.3924% | 7,361 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4677% | 7,696 |
| Loan loss allowance to noncurrent loans | 9,800.0000% | 47 |
| Noncurrent assets plus other real estate owned to assets | 0.0022% | 7,537 |
| Noncurrent loans to loans | 0.0048% | 7,437 |
| Net loans and leases to total assets | 45.8783% | 6,990 |
| Net loans and leases to deposits | 51.4215% | 7,178 |
| Net loans and leases to core deposits | 63.1538% | 7,141 |
| Total domestic deposits to total assets | 89.2201% | 1,375 |
| Equity capital to assets | 10.2783% | 3,426 |
| Core capital (leverage) ratio | 9.6841% | 3,482 |
| Tier 1 risk-based capital ratio | 18.0193% | 1,888 |
| Total risk-based capital ratio | 18.4380% | 2,061 |
| Memoranda: | ||
| Average total assets | $47,851,600 | 6,793 |
| Average earning assets | $40,704,800 | 6,921 |
| Average equity | $4,784,000 | 7,028 |
| Average total loans | $21,852,000 | 7,093 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8458% | 2,678 |
| Cost of funding earning assets | 0.9184% | 7,525 |
| Net interest margin | 4.9274% | 515 |
| Noninterest income to average assets | 0.9026% | 1,971 |
| Noninterest expense to average assets | 4.1938% | 1,039 |
| Loan and lease loss provision to assets | 2.0281% | 882 |
| Net operating income to assets | -0.8531% | 6,731 |
| Return on assets (ROA) | -0.8531% | 6,727 |
| Pretax return on assets | -1.1117% | 6,766 |
| Return on Equity (ROE) | -8.5894% | 6,776 |
| Retained earnings to average equity (ytd only) | -8.5894% | 6,667 |
| Net charge-offs to loans | 4.3362% | 304 |
| Credit loss provision to net charge-offs | 102.6462% | 4,954 |
| Earnings coverage of net charge-offs (x) | 0.4638% | 5,569 |
| Efficiency ratio | 82.0679% | 2,573 |
| Assets per employee ($millions) | 2.3767% | 7,409 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8973% | 6,764 |
| Loan loss allowance to noncurrent loans | 6,466.6667% | 61 |
| Noncurrent assets plus other real estate owned to assets | 0.0066% | 7,585 |
| Noncurrent loans to loans | 0.0139% | 7,494 |
| Net loans and leases to total assets | 47.4490% | 7,002 |
| Net loans and leases to deposits | 53.0555% | 7,255 |
| Net loans and leases to core deposits | 64.1700% | 7,244 |
| Total domestic deposits to total assets | 89.4327% | 1,001 |
| Equity capital to assets | 10.0802% | 3,980 |
| Core capital (leverage) ratio | 9.3630% | 4,097 |
| Tier 1 risk-based capital ratio | 17.1471% | 2,232 |
| Total risk-based capital ratio | 17.9133% | 2,320 |
| Memoranda: | ||
| Average total assets | $48,450,750 | 6,824 |
| Average earning assets | $41,373,250 | 6,940 |
| Average equity | $4,812,000 | 7,076 |
| Average total loans | $22,077,000 | 7,142 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9637% | 2,330 |
| Cost of funding earning assets | 0.9550% | 7,614 |
| Net interest margin | 5.0087% | 423 |
| Noninterest income to average assets | 0.8194% | 2,320 |
| Noninterest expense to average assets | 4.0566% | 1,242 |
| Loan and lease loss provision to assets | 0.0727% | 6,468 |
| Net operating income to assets | 0.5449% | 3,905 |
| Return on assets (ROA) | 0.5449% | 4,025 |
| Pretax return on assets | 0.9244% | 3,260 |
| Return on Equity (ROE) | 5.5117% | 3,860 |
| Retained earnings to average equity (ytd only) | 5.5117% | 2,243 |
| Net charge-offs to loans | 0.1620% | 4,586 |
| Credit loss provision to net charge-offs | 100.0000% | 4,559 |
| Earnings coverage of net charge-offs (x) | 13.7222% | 1,714 |
| Efficiency ratio | 80.2716% | 2,999 |
| Assets per employee ($millions) | 2.3774% | 7,463 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7769% | 7,227 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 47.0051% | 7,128 |
| Net loans and leases to deposits | 52.7957% | 7,339 |
| Net loans and leases to core deposits | 64.0566% | 7,300 |
| Total domestic deposits to total assets | 89.0321% | 1,254 |
| Equity capital to assets | 10.3601% | 3,552 |
| Core capital (leverage) ratio | 9.7834% | 3,541 |
| Tier 1 risk-based capital ratio | 18.1422% | 1,977 |
| Total risk-based capital ratio | 18.8168% | 2,085 |
| Memoranda: | ||
| Average total assets | $49,548,330 | 6,850 |
| Average earning assets | $41,887,000 | 6,972 |
| Average equity | $4,898,670 | 7,096 |
| Average total loans | $22,229,000 | 7,197 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0230% | 2,268 |
| Cost of funding earning assets | 0.9678% | 7,723 |
| Net interest margin | 5.0551% | 357 |
| Noninterest income to average assets | 0.7676% | 2,495 |
| Noninterest expense to average assets | 3.8221% | 1,430 |
| Loan and lease loss provision to assets | -0.0870% | 8,203 |
| Net operating income to assets | 0.8705% | 2,836 |
| Return on assets (ROA) | 0.8705% | 2,983 |
| Pretax return on assets | 1.2899% | 2,317 |
| Return on Equity (ROE) | 9.0072% | 2,716 |
| Retained earnings to average equity (ytd only) | 9.0072% | 1,478 |
| Net charge-offs to loans | 0.0906% | 4,267 |
| Credit loss provision to net charge-offs | -220.0000% | 6,291 |
| Earnings coverage of net charge-offs (x) | 30.4000% | 1,040 |
| Efficiency ratio | 76.0630% | 3,484 |
| Assets per employee ($millions) | 2.8243% | 6,586 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7120% | 7,407 |
| Loan loss allowance to noncurrent loans | 33.4034% | 6,306 |
| Noncurrent assets plus other real estate owned to assets | 0.9363% | 4,849 |
| Noncurrent loans to loans | 2.1316% | 3,076 |
| Net loans and leases to total assets | 43.6139% | 7,375 |
| Net loans and leases to deposits | 48.6655% | 7,552 |
| Net loans and leases to core deposits | 58.7634% | 7,503 |
| Total domestic deposits to total assets | 89.6198% | 962 |
| Equity capital to assets | 9.7626% | 4,293 |
| Core capital (leverage) ratio | 9.4111% | 4,089 |
| Tier 1 risk-based capital ratio | 17.5099% | 2,183 |
| Total risk-based capital ratio | 18.1056% | 2,317 |
| Memoranda: | ||
| Average total assets | $50,548,500 | 6,845 |
| Average earning assets | $42,570,500 | 6,995 |
| Average equity | $4,885,000 | 7,155 |
| Average total loans | $22,081,000 | 7,243 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2064% | 733 |
| Cost of funding earning assets | 1.4742% | 7,648 |
| Net interest margin | 5.7323% | 147 |
| Noninterest income to average assets | 0.9672% | 1,703 |
| Noninterest expense to average assets | 4.2346% | 1,115 |
| Loan and lease loss provision to assets | 0.0815% | 6,368 |
| Net operating income to assets | 1.0994% | 2,154 |
| Return on assets (ROA) | 1.0994% | 2,066 |
| Pretax return on assets | 1.6458% | 1,273 |
| Return on Equity (ROE) | 9.5576% | 2,414 |
| Retained earnings to average equity (ytd only) | -7.5081% | 6,834 |
| Net charge-offs to loans | 0.1415% | 4,800 |
| Credit loss provision to net charge-offs | 115.6250% | 4,669 |
| Earnings coverage of net charge-offs (x) | 24.5000% | 1,375 |
| Efficiency ratio | 71.0273% | 4,130 |
| Assets per employee ($millions) | 2.6453% | 6,899 |
| Cash dividends to net income (ytd only)* | 178.5571% | 366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8016% | 7,103 |
| Loan loss allowance to noncurrent loans | 94.5946% | 3,619 |
| Noncurrent assets plus other real estate owned to assets | 0.3681% | 6,134 |
| Noncurrent loans to loans | 0.8474% | 4,930 |
| Net loans and leases to total assets | 43.0879% | 7,526 |
| Net loans and leases to deposits | 47.8946% | 7,711 |
| Net loans and leases to core deposits | 52.9073% | 7,829 |
| Total domestic deposits to total assets | 89.9642% | 656 |
| Equity capital to assets | 9.5643% | 4,593 |
| Core capital (leverage) ratio | 9.3771% | 4,192 |
| Tier 1 risk-based capital ratio | 17.5309% | 2,170 |
| Total risk-based capital ratio | 18.2092% | 2,270 |
| Memoranda: | ||
| Average total assets | $45,388,400 | 6,964 |
| Average earning assets | $39,548,000 | 7,062 |
| Average equity | $5,221,000 | 7,076 |
| Average total loans | $22,616,400 | 7,159 |