Home > Platte Valley State Bank & Trust Company > Performance and Condition Ratios
Platte Valley State Bank & Trust Company, 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 | 3.4911% | 5,663 |
| Cost of funding earning assets | 0.2356% | 6,058 |
| Net interest margin | 3.2555% | 4,821 |
| Noninterest income to average assets | 0.7857% | 2,139 |
| Noninterest expense to average assets | 2.7339% | 3,981 |
| Loan and lease loss provision to assets | -0.0070% | 6,264 |
| Net operating income to assets | 0.6880% | 3,857 |
| Return on assets (ROA) | 0.6880% | 3,951 |
| Pretax return on assets | 1.0554% | 3,133 |
| Return on Equity (ROE) | 8.5364% | 2,768 |
| Retained earnings to average equity (ytd only) | 1.3169% | 5,235 |
| Net charge-offs to loans | -0.0681% | 6,399 |
| Credit loss provision to net charge-offs | 16.0428% | 4,511 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2803% | 3,422 |
| Assets per employee ($millions) | 4.5893% | 2,736 |
| Cash dividends to net income (ytd only)* | 84.5737% | 782 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9172% | 5,869 |
| Loan loss allowance to noncurrent loans | 291.9355% | 1,527 |
| Noncurrent assets plus other real estate owned to assets | 0.2111% | 5,653 |
| Noncurrent loans to loans | 0.3142% | 5,245 |
| Net loans and leases to total assets | 66.5722% | 2,598 |
| Net loans and leases to deposits | 91.0457% | 1,154 |
| Net loans and leases to core deposits | 96.4137% | 1,419 |
| Total domestic deposits to total assets | 73.1196% | 6,346 |
| Equity capital to assets | 7.6847% | 6,193 |
| Core capital (leverage) ratio | 7.5622% | 6,348 |
| Tier 1 risk-based capital ratio | 11.2837% | 6,034 |
| Total risk-based capital ratio | 12.2633% | 6,109 |
| Memoranda: | ||
| Average total assets | $429,677,000 | 1,542 |
| Average earning assets | $395,518,400 | 1,529 |
| Average equity | $34,628,000 | 1,990 |
| Average total loans | $274,684,200 | 1,536 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4820% | 5,730 |
| Cost of funding earning assets | 0.2373% | 6,176 |
| Net interest margin | 3.2447% | 4,850 |
| Noninterest income to average assets | 0.8288% | 2,011 |
| Noninterest expense to average assets | 2.7600% | 3,794 |
| Loan and lease loss provision to assets | -0.0219% | 6,495 |
| Net operating income to assets | 0.6973% | 3,876 |
| Return on assets (ROA) | 0.6973% | 4,016 |
| Pretax return on assets | 1.0711% | 3,220 |
| Return on Equity (ROE) | 8.5502% | 2,862 |
| Retained earnings to average equity (ytd only) | 3.7639% | 4,010 |
| Net charge-offs to loans | -0.0441% | 6,274 |
| Credit loss provision to net charge-offs | 78.6517% | 2,881 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4545% | 3,326 |
| Assets per employee ($millions) | 4.2232% | 3,377 |
| Cash dividends to net income (ytd only)* | 55.9787% | 1,622 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8844% | 6,096 |
| Loan loss allowance to noncurrent loans | 173.0692% | 2,267 |
| Noncurrent assets plus other real estate owned to assets | 0.3526% | 5,352 |
| Noncurrent loans to loans | 0.5110% | 4,912 |
| Net loans and leases to total assets | 68.3819% | 2,243 |
| Net loans and leases to deposits | 89.0605% | 1,261 |
| Net loans and leases to core deposits | 93.4294% | 1,629 |
| Total domestic deposits to total assets | 76.7813% | 6,075 |
| Equity capital to assets | 8.2162% | 5,990 |
| Core capital (leverage) ratio | 7.6817% | 6,379 |
| Tier 1 risk-based capital ratio | 11.6728% | 5,964 |
| Total risk-based capital ratio | 12.6203% | 6,086 |
| Memoranda: | ||
| Average total assets | $426,952,000 | 1,558 |
| Average earning assets | $392,173,500 | 1,552 |
| Average equity | $34,820,750 | 2,001 |
| Average total loans | $269,351,000 | 1,560 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4936% | 5,712 |
| Cost of funding earning assets | 0.2448% | 6,211 |
| Net interest margin | 3.2488% | 4,773 |
| Noninterest income to average assets | 0.8416% | 2,026 |
| Noninterest expense to average assets | 2.8173% | 3,616 |
| Loan and lease loss provision to assets | -0.0560% | 6,655 |
| Net operating income to assets | 0.6773% | 3,921 |
| Return on assets (ROA) | 0.6773% | 4,082 |
| Pretax return on assets | 1.0413% | 3,326 |
| Return on Equity (ROE) | 8.3244% | 2,934 |
| Retained earnings to average equity (ytd only) | 1.1531% | 5,443 |
| Net charge-offs to loans | -0.0466% | 6,238 |
| Credit loss provision to net charge-offs | 196.7213% | 1,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0886% | 3,113 |
| Assets per employee ($millions) | 4.0380% | 3,712 |
| Cash dividends to net income (ytd only)* | 86.1475% | 765 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9157% | 6,089 |
| Loan loss allowance to noncurrent loans | 154.5455% | 2,452 |
| Noncurrent assets plus other real estate owned to assets | 0.3778% | 5,347 |
| Noncurrent loans to loans | 0.5925% | 4,775 |
| Net loans and leases to total assets | 63.1762% | 3,067 |
| Net loans and leases to deposits | 82.4540% | 2,002 |
| Net loans and leases to core deposits | 87.6342% | 2,149 |
| Total domestic deposits to total assets | 76.6199% | 6,182 |
| Equity capital to assets | 7.9158% | 6,255 |
| Core capital (leverage) ratio | 7.3928% | 6,495 |
| Tier 1 risk-based capital ratio | 12.0861% | 5,744 |
| Total risk-based capital ratio | 13.0594% | 5,858 |
| Memoranda: | ||
| Average total assets | $428,494,670 | 1,554 |
| Average earning assets | $390,543,330 | 1,555 |
| Average equity | $34,861,330 | 1,997 |
| Average total loans | $262,011,330 | 1,592 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6023% | 5,449 |
| Cost of funding earning assets | 0.2530% | 6,273 |
| Net interest margin | 3.3494% | 4,318 |
| Noninterest income to average assets | 0.9750% | 1,537 |
| Noninterest expense to average assets | 2.7981% | 3,704 |
| Loan and lease loss provision to assets | -0.0560% | 6,796 |
| Net operating income to assets | 0.8182% | 3,059 |
| Return on assets (ROA) | 0.8182% | 3,203 |
| Pretax return on assets | 1.2595% | 2,372 |
| Return on Equity (ROE) | 9.9233% | 2,097 |
| Retained earnings to average equity (ytd only) | -4.2205% | 6,301 |
| Net charge-offs to loans | 0.0437% | 3,420 |
| Credit loss provision to net charge-offs | -214.2857% | 5,269 |
| Earnings coverage of net charge-offs (x) | 46.0714% | 713 |
| Efficiency ratio | 69.9231% | 3,992 |
| Assets per employee ($millions) | 4.2574% | 3,419 |
| Cash dividends to net income (ytd only)* | 142.5314% | 386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9488% | 6,138 |
| Loan loss allowance to noncurrent loans | 144.6983% | 2,455 |
| Noncurrent assets plus other real estate owned to assets | 0.3893% | 5,423 |
| Noncurrent loans to loans | 0.6557% | 4,810 |
| Net loans and leases to total assets | 58.8056% | 3,651 |
| Net loans and leases to deposits | 73.9765% | 2,922 |
| Net loans and leases to core deposits | 77.2932% | 3,163 |
| Total domestic deposits to total assets | 79.4923% | 5,873 |
| Equity capital to assets | 7.7674% | 6,492 |
| Core capital (leverage) ratio | 7.4236% | 6,495 |
| Tier 1 risk-based capital ratio | 12.6938% | 5,433 |
| Total risk-based capital ratio | 13.7242% | 5,545 |
| Memoranda: | ||
| Average total assets | $428,727,000 | 1,572 |
| Average earning assets | $387,414,000 | 1,578 |
| Average equity | $35,351,000 | 1,996 |
| Average total loans | $256,561,000 | 1,628 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8977% | 5,580 |
| Cost of funding earning assets | 0.3294% | 6,316 |
| Net interest margin | 3.5683% | 4,232 |
| Noninterest income to average assets | 1.2773% | 949 |
| Noninterest expense to average assets | 3.2459% | 2,478 |
| Loan and lease loss provision to assets | 0.0483% | 5,216 |
| Net operating income to assets | 0.8615% | 2,995 |
| Return on assets (ROA) | 0.8615% | 3,235 |
| Pretax return on assets | 1.3181% | 2,332 |
| Return on Equity (ROE) | 9.8547% | 2,231 |
| Retained earnings to average equity (ytd only) | 5.7118% | 2,244 |
| Net charge-offs to loans | 0.0911% | 4,759 |
| Credit loss provision to net charge-offs | 83.3333% | 3,721 |
| Earnings coverage of net charge-offs (x) | 23.5792% | 1,213 |
| Efficiency ratio | 70.3748% | 3,738 |
| Assets per employee ($millions) | 3.6749% | 4,616 |
| Cash dividends to net income (ytd only)* | 42.0404% | 2,745 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0119% | 5,922 |
| Loan loss allowance to noncurrent loans | 154.0036% | 2,321 |
| Noncurrent assets plus other real estate owned to assets | 0.3965% | 5,495 |
| Noncurrent loans to loans | 0.6571% | 4,886 |
| Net loans and leases to total assets | 59.7276% | 3,651 |
| Net loans and leases to deposits | 75.7822% | 2,833 |
| Net loans and leases to core deposits | 78.4351% | 3,201 |
| Total domestic deposits to total assets | 78.8149% | 5,932 |
| Equity capital to assets | 8.7461% | 5,804 |
| Core capital (leverage) ratio | 8.0187% | 6,175 |
| Tier 1 risk-based capital ratio | 12.9695% | 5,129 |
| Total risk-based capital ratio | 14.0130% | 5,218 |
| Memoranda: | ||
| Average total assets | $414,147,800 | 1,582 |
| Average earning assets | $387,074,400 | 1,554 |
| Average equity | $36,206,000 | 1,912 |
| Average total loans | $263,520,800 | 1,572 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9573% | 5,641 |
| Cost of funding earning assets | 0.3470% | 6,391 |
| Net interest margin | 3.6104% | 4,193 |
| Noninterest income to average assets | 1.2986% | 875 |
| Noninterest expense to average assets | 3.1845% | 2,617 |
| Loan and lease loss provision to assets | 0.0371% | 5,309 |
| Net operating income to assets | 0.9615% | 2,697 |
| Return on assets (ROA) | 0.9615% | 2,912 |
| Pretax return on assets | 1.4704% | 2,001 |
| Return on Equity (ROE) | 10.9996% | 1,963 |
| Retained earnings to average equity (ytd only) | 10.9996% | 686 |
| Net charge-offs to loans | 0.0781% | 4,617 |
| Credit loss provision to net charge-offs | 73.7179% | 3,802 |
| Earnings coverage of net charge-offs (x) | 29.9302% | 1,100 |
| Efficiency ratio | 67.8709% | 4,094 |
| Assets per employee ($millions) | 3.5126% | 4,952 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9545% | 6,231 |
| Loan loss allowance to noncurrent loans | 137.7694% | 2,449 |
| Noncurrent assets plus other real estate owned to assets | 0.4478% | 5,543 |
| Noncurrent loans to loans | 0.6928% | 5,053 |
| Net loans and leases to total assets | 64.0155% | 3,026 |
| Net loans and leases to deposits | 84.6481% | 1,785 |
| Net loans and leases to core deposits | 88.2258% | 2,193 |
| Total domestic deposits to total assets | 75.6254% | 6,438 |
| Equity capital to assets | 9.0897% | 5,727 |
| Core capital (leverage) ratio | 8.1398% | 6,196 |
| Tier 1 risk-based capital ratio | 13.1681% | 5,116 |
| Total risk-based capital ratio | 14.1969% | 5,260 |
| Memoranda: | ||
| Average total assets | $412,949,750 | 1,603 |
| Average earning assets | $388,130,000 | 1,564 |
| Average equity | $36,097,250 | 1,937 |
| Average total loans | $266,205,750 | 1,565 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9526% | 5,777 |
| Cost of funding earning assets | 0.3678% | 6,427 |
| Net interest margin | 3.5849% | 4,327 |
| Noninterest income to average assets | 1.2700% | 886 |
| Noninterest expense to average assets | 3.1917% | 2,618 |
| Loan and lease loss provision to assets | 0.0029% | 5,606 |
| Net operating income to assets | 0.9359% | 2,737 |
| Return on assets (ROA) | 0.9359% | 2,999 |
| Pretax return on assets | 1.4315% | 2,081 |
| Return on Equity (ROE) | 10.8514% | 2,045 |
| Retained earnings to average equity (ytd only) | 10.8514% | 773 |
| Net charge-offs to loans | 0.1001% | 4,165 |
| Credit loss provision to net charge-offs | 4.5113% | 4,790 |
| Earnings coverage of net charge-offs (x) | 22.2406% | 1,308 |
| Efficiency ratio | 68.9937% | 3,941 |
| Assets per employee ($millions) | 3.4666% | 5,056 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9628% | 6,284 |
| Loan loss allowance to noncurrent loans | 120.9496% | 2,706 |
| Noncurrent assets plus other real estate owned to assets | 0.4994% | 5,510 |
| Noncurrent loans to loans | 0.7960% | 4,918 |
| Net loans and leases to total assets | 62.1364% | 3,403 |
| Net loans and leases to deposits | 80.3427% | 2,339 |
| Net loans and leases to core deposits | 84.2823% | 2,656 |
| Total domestic deposits to total assets | 77.3392% | 6,273 |
| Equity capital to assets | 8.9436% | 5,761 |
| Core capital (leverage) ratio | 7.7325% | 6,496 |
| Tier 1 risk-based capital ratio | 13.4299% | 4,885 |
| Total risk-based capital ratio | 14.4777% | 4,992 |
| Memoranda: | ||
| Average total assets | $412,439,330 | 1,607 |
| Average earning assets | $386,122,670 | 1,569 |
| Average equity | $35,571,330 | 1,946 |
| Average total loans | $265,644,670 | 1,565 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9409% | 5,923 |
| Cost of funding earning assets | 0.3951% | 6,434 |
| Net interest margin | 3.5458% | 4,505 |
| Noninterest income to average assets | 1.2692% | 882 |
| Noninterest expense to average assets | 3.1430% | 2,780 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.9273% | 2,802 |
| Return on assets (ROA) | 0.9273% | 3,005 |
| Pretax return on assets | 1.4199% | 2,123 |
| Return on Equity (ROE) | 10.9512% | 2,036 |
| Retained earnings to average equity (ytd only) | 10.9512% | 1,039 |
| Net charge-offs to loans | 0.0726% | 3,770 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 30.0000% | 918 |
| Efficiency ratio | 68.8823% | 4,003 |
| Assets per employee ($millions) | 3.5681% | 4,960 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9685% | 6,365 |
| Loan loss allowance to noncurrent loans | 100.3148% | 3,060 |
| Noncurrent assets plus other real estate owned to assets | 0.6481% | 5,264 |
| Noncurrent loans to loans | 0.9655% | 4,747 |
| Net loans and leases to total assets | 61.3848% | 3,378 |
| Net loans and leases to deposits | 77.9463% | 2,520 |
| Net loans and leases to core deposits | 84.3311% | 2,508 |
| Total domestic deposits to total assets | 78.7527% | 6,132 |
| Equity capital to assets | 8.3555% | 6,218 |
| Core capital (leverage) ratio | 7.6584% | 6,523 |
| Tier 1 risk-based capital ratio | 12.8355% | 5,339 |
| Total risk-based capital ratio | 13.8984% | 5,446 |
| Memoranda: | ||
| Average total assets | $414,127,500 | 1,604 |
| Average earning assets | $384,684,500 | 1,576 |
| Average equity | $35,064,500 | 1,973 |
| Average total loans | $270,143,000 | 1,556 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4924% | 5,104 |
| Cost of funding earning assets | 0.5725% | 6,226 |
| Net interest margin | 3.9198% | 3,259 |
| Noninterest income to average assets | 1.3230% | 738 |
| Noninterest expense to average assets | 3.4593% | 2,095 |
| Loan and lease loss provision to assets | 0.1635% | 4,584 |
| Net operating income to assets | 0.8704% | 2,734 |
| Return on assets (ROA) | 0.9058% | 2,703 |
| Pretax return on assets | 1.3821% | 1,835 |
| Return on Equity (ROE) | 9.7887% | 2,130 |
| Retained earnings to average equity (ytd only) | -8.6470% | 6,653 |
| Net charge-offs to loans | 0.3715% | 3,547 |
| Credit loss provision to net charge-offs | 65.4196% | 5,012 |
| Earnings coverage of net charge-offs (x) | 5.9697% | 2,630 |
| Efficiency ratio | 69.8653% | 3,990 |
| Assets per employee ($millions) | 3.3360% | 5,415 |
| Cash dividends to net income (ytd only)* | 188.3371% | 93 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9376% | 6,437 |
| Loan loss allowance to noncurrent loans | 90.8709% | 3,300 |
| Noncurrent assets plus other real estate owned to assets | 0.7608% | 5,120 |
| Noncurrent loans to loans | 1.0318% | 4,644 |
| Net loans and leases to total assets | 68.0035% | 2,393 |
| Net loans and leases to deposits | 87.8699% | 1,399 |
| Net loans and leases to core deposits | 94.8317% | 1,610 |
| Total domestic deposits to total assets | 77.3911% | 6,286 |
| Equity capital to assets | 8.5844% | 6,030 |
| Core capital (leverage) ratio | 7.8084% | 6,434 |
| Tier 1 risk-based capital ratio | 12.1638% | 5,714 |
| Total risk-based capital ratio | 13.2216% | 5,831 |
| Memoranda: | ||
| Average total assets | $395,690,600 | 1,640 |
| Average earning assets | $366,265,000 | 1,613 |
| Average equity | $36,613,800 | 1,842 |
| Average total loans | $266,188,800 | 1,581 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5611% | 5,037 |
| Cost of funding earning assets | 0.6170% | 6,201 |
| Net interest margin | 3.9441% | 3,176 |
| Noninterest income to average assets | 1.3309% | 739 |
| Noninterest expense to average assets | 3.4875% | 1,972 |
| Loan and lease loss provision to assets | 0.1253% | 4,861 |
| Net operating income to assets | 0.8944% | 2,760 |
| Return on assets (ROA) | 0.9418% | 2,727 |
| Pretax return on assets | 1.4376% | 1,824 |
| Return on Equity (ROE) | 9.9932% | 2,201 |
| Retained earnings to average equity (ytd only) | -14.2621% | 6,973 |
| Net charge-offs to loans | 0.3092% | 3,549 |
| Credit loss provision to net charge-offs | 60.5565% | 4,794 |
| Earnings coverage of net charge-offs (x) | 7.2062% | 2,399 |
| Efficiency ratio | 70.0497% | 3,951 |
| Assets per employee ($millions) | 3.2694% | 5,539 |
| Cash dividends to net income (ytd only)* | 242.7184% | 42 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9953% | 6,294 |
| Loan loss allowance to noncurrent loans | 86.5064% | 3,340 |
| Noncurrent assets plus other real estate owned to assets | 0.8490% | 5,060 |
| Noncurrent loans to loans | 1.1505% | 4,617 |
| Net loans and leases to total assets | 68.4351% | 2,393 |
| Net loans and leases to deposits | 88.1655% | 1,419 |
| Net loans and leases to core deposits | 96.3659% | 1,571 |
| Total domestic deposits to total assets | 77.6212% | 6,271 |
| Equity capital to assets | 8.6602% | 6,130 |
| Core capital (leverage) ratio | 7.5295% | 6,752 |
| Tier 1 risk-based capital ratio | 11.8866% | 5,971 |
| Total risk-based capital ratio | 12.9896% | 6,072 |
| Memoranda: | ||
| Average total assets | $393,700,750 | 1,657 |
| Average earning assets | $364,116,500 | 1,633 |
| Average equity | $37,104,500 | 1,819 |
| Average total loans | $263,462,500 | 1,611 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5854% | 5,029 |
| Cost of funding earning assets | 0.6751% | 6,101 |
| Net interest margin | 3.9104% | 3,261 |
| Noninterest income to average assets | 1.4040% | 646 |
| Noninterest expense to average assets | 3.5341% | 1,899 |
| Loan and lease loss provision to assets | 0.1147% | 4,855 |
| Net operating income to assets | 0.9033% | 2,619 |
| Return on assets (ROA) | 0.9732% | 2,444 |
| Pretax return on assets | 1.4867% | 1,572 |
| Return on Equity (ROE) | 10.0557% | 2,098 |
| Retained earnings to average equity (ytd only) | 10.0557% | 829 |
| Net charge-offs to loans | 0.3894% | 3,004 |
| Credit loss provision to net charge-offs | 44.4882% | 4,720 |
| Earnings coverage of net charge-offs (x) | 5.7953% | 2,527 |
| Efficiency ratio | 70.2896% | 4,051 |
| Assets per employee ($millions) | 3.1554% | 5,741 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9975% | 6,349 |
| Loan loss allowance to noncurrent loans | 79.6524% | 3,542 |
| Noncurrent assets plus other real estate owned to assets | 1.2263% | 4,444 |
| Noncurrent loans to loans | 1.2523% | 4,566 |
| Net loans and leases to total assets | 66.8839% | 2,841 |
| Net loans and leases to deposits | 86.8707% | 1,666 |
| Net loans and leases to core deposits | 95.2812% | 1,754 |
| Total domestic deposits to total assets | 76.9924% | 6,451 |
| Equity capital to assets | 10.0089% | 4,141 |
| Core capital (leverage) ratio | 8.8028% | 5,042 |
| Tier 1 risk-based capital ratio | 14.5127% | 3,775 |
| Total risk-based capital ratio | 15.6192% | 3,856 |
| Memoranda: | ||
| Average total assets | $394,160,330 | 1,668 |
| Average earning assets | $365,286,000 | 1,639 |
| Average equity | $38,147,330 | 1,758 |
| Average total loans | $260,888,330 | 1,649 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5999% | 4,947 |
| Cost of funding earning assets | 0.7071% | 6,093 |
| Net interest margin | 3.8928% | 3,178 |
| Noninterest income to average assets | 1.4781% | 589 |
| Noninterest expense to average assets | 3.6282% | 1,708 |
| Loan and lease loss provision to assets | 0.1015% | 4,737 |
| Net operating income to assets | 0.9065% | 2,531 |
| Return on assets (ROA) | 0.9065% | 2,592 |
| Pretax return on assets | 1.3867% | 1,760 |
| Return on Equity (ROE) | 9.5299% | 2,271 |
| Retained earnings to average equity (ytd only) | 9.5299% | 1,230 |
| Net charge-offs to loans | 0.6742% | 1,861 |
| Credit loss provision to net charge-offs | 22.9885% | 4,225 |
| Earnings coverage of net charge-offs (x) | 3.3701% | 2,762 |
| Efficiency ratio | 70.9127% | 4,073 |
| Assets per employee ($millions) | 3.1243% | 5,888 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0730% | 6,149 |
| Loan loss allowance to noncurrent loans | 76.1696% | 3,670 |
| Noncurrent assets plus other real estate owned to assets | 1.2590% | 4,431 |
| Noncurrent loans to loans | 1.4087% | 4,362 |
| Net loans and leases to total assets | 60.0564% | 4,251 |
| Net loans and leases to deposits | 77.9038% | 3,073 |
| Net loans and leases to core deposits | 85.7455% | 2,912 |
| Total domestic deposits to total assets | 77.0904% | 6,521 |
| Equity capital to assets | 9.4575% | 4,492 |
| Core capital (leverage) ratio | 8.8441% | 4,866 |
| Tier 1 risk-based capital ratio | 14.4032% | 3,805 |
| Total risk-based capital ratio | 15.5117% | 3,861 |
| Memoranda: | ||
| Average total assets | $394,027,000 | 1,678 |
| Average earning assets | $368,269,000 | 1,639 |
| Average equity | $37,482,000 | 1,774 |
| Average total loans | $258,099,500 | 1,677 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9993% | 4,559 |
| Cost of funding earning assets | 0.9100% | 6,132 |
| Net interest margin | 4.0893% | 2,621 |
| Noninterest income to average assets | 1.3503% | 804 |
| Noninterest expense to average assets | 3.2711% | 2,828 |
| Loan and lease loss provision to assets | 0.2128% | 5,129 |
| Net operating income to assets | 1.1223% | 1,633 |
| Return on assets (ROA) | 1.2162% | 1,451 |
| Pretax return on assets | 1.8557% | 677 |
| Return on Equity (ROE) | 12.6335% | 1,185 |
| Retained earnings to average equity (ytd only) | -7.9339% | 6,531 |
| Net charge-offs to loans | 0.3422% | 4,301 |
| Credit loss provision to net charge-offs | 82.7719% | 5,457 |
| Earnings coverage of net charge-offs (x) | 7.4909% | 2,119 |
| Efficiency ratio | 62.9381% | 5,529 |
| Assets per employee ($millions) | 3.0805% | 5,918 |
| Cash dividends to net income (ytd only)* | 162.8002% | 156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0753% | 6,044 |
| Loan loss allowance to noncurrent loans | 67.2769% | 4,036 |
| Noncurrent assets plus other real estate owned to assets | 1.2485% | 4,527 |
| Noncurrent loans to loans | 1.5983% | 4,101 |
| Net loans and leases to total assets | 69.6863% | 2,607 |
| Net loans and leases to deposits | 89.8798% | 1,542 |
| Net loans and leases to core deposits | 98.5685% | 1,744 |
| Total domestic deposits to total assets | 77.5327% | 6,397 |
| Equity capital to assets | 9.5693% | 4,312 |
| Core capital (leverage) ratio | 8.6941% | 5,030 |
| Tier 1 risk-based capital ratio | 12.9570% | 4,630 |
| Total risk-based capital ratio | 14.1101% | 4,691 |
| Memoranda: | ||
| Average total assets | $404,053,200 | 1,636 |
| Average earning assets | $380,115,400 | 1,586 |
| Average equity | $38,896,600 | 1,696 |
| Average total loans | $303,637,600 | 1,482 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0779% | 4,437 |
| Cost of funding earning assets | 0.9523% | 6,165 |
| Net interest margin | 4.1257% | 2,511 |
| Noninterest income to average assets | 1.3325% | 766 |
| Noninterest expense to average assets | 3.2467% | 2,753 |
| Loan and lease loss provision to assets | 0.2500% | 4,591 |
| Net operating income to assets | 1.1238% | 1,814 |
| Return on assets (ROA) | 1.2459% | 1,559 |
| Pretax return on assets | 1.9027% | 766 |
| Return on Equity (ROE) | 12.9245% | 1,273 |
| Retained earnings to average equity (ytd only) | -14.1922% | 7,048 |
| Net charge-offs to loans | 0.3886% | 3,732 |
| Credit loss provision to net charge-offs | 84.3440% | 4,986 |
| Earnings coverage of net charge-offs (x) | 6.6296% | 2,485 |
| Efficiency ratio | 62.2986% | 5,563 |
| Assets per employee ($millions) | 3.1031% | 5,914 |
| Cash dividends to net income (ytd only)* | 209.8087% | 83 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0097% | 6,349 |
| Loan loss allowance to noncurrent loans | 123.3734% | 2,289 |
| Noncurrent assets plus other real estate owned to assets | 0.7564% | 5,595 |
| Noncurrent loans to loans | 0.8184% | 5,582 |
| Net loans and leases to total assets | 74.0575% | 1,791 |
| Net loans and leases to deposits | 96.1999% | 961 |
| Net loans and leases to core deposits | 107.8185% | 1,177 |
| Total domestic deposits to total assets | 76.9830% | 6,481 |
| Equity capital to assets | 9.2814% | 5,172 |
| Core capital (leverage) ratio | 8.1215% | 6,162 |
| Tier 1 risk-based capital ratio | 12.0106% | 5,456 |
| Total risk-based capital ratio | 13.1296% | 5,545 |
| Memoranda: | ||
| Average total assets | $408,032,000 | 1,648 |
| Average earning assets | $383,638,500 | 1,592 |
| Average equity | $39,335,250 | 1,693 |
| Average total loans | $311,192,250 | 1,463 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0880% | 4,516 |
| Cost of funding earning assets | 0.9885% | 6,201 |
| Net interest margin | 4.0995% | 2,558 |
| Noninterest income to average assets | 1.4011% | 648 |
| Noninterest expense to average assets | 3.2049% | 2,880 |
| Loan and lease loss provision to assets | 0.1929% | 4,950 |
| Net operating income to assets | 1.2132% | 1,526 |
| Return on assets (ROA) | 1.3943% | 1,171 |
| Pretax return on assets | 2.1310% | 463 |
| Return on Equity (ROE) | 14.2940% | 972 |
| Retained earnings to average equity (ytd only) | 14.2940% | 294 |
| Net charge-offs to loans | 0.3670% | 3,525 |
| Credit loss provision to net charge-offs | 68.5026% | 5,007 |
| Earnings coverage of net charge-offs (x) | 7.2633% | 2,330 |
| Efficiency ratio | 61.0450% | 5,848 |
| Assets per employee ($millions) | 3.2771% | 5,490 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9861% | 6,459 |
| Loan loss allowance to noncurrent loans | 100.4104% | 2,748 |
| Noncurrent assets plus other real estate owned to assets | 0.9054% | 5,309 |
| Noncurrent loans to loans | 0.9821% | 5,340 |
| Net loans and leases to total assets | 72.5438% | 2,268 |
| Net loans and leases to deposits | 94.6426% | 1,196 |
| Net loans and leases to core deposits | 104.3671% | 1,607 |
| Total domestic deposits to total assets | 76.6503% | 6,575 |
| Equity capital to assets | 10.6487% | 3,220 |
| Core capital (leverage) ratio | 9.6483% | 3,611 |
| Tier 1 risk-based capital ratio | 14.5872% | 3,391 |
| Total risk-based capital ratio | 15.6886% | 3,443 |
| Memoranda: | ||
| Average total assets | $412,679,000 | 1,649 |
| Average earning assets | $387,461,000 | 1,595 |
| Average equity | $40,254,670 | 1,651 |
| Average total loans | $316,646,000 | 1,454 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1524% | 4,283 |
| Cost of funding earning assets | 1.0342% | 6,205 |
| Net interest margin | 4.1183% | 2,360 |
| Noninterest income to average assets | 1.4544% | 563 |
| Noninterest expense to average assets | 3.1657% | 2,987 |
| Loan and lease loss provision to assets | 0.2578% | 3,976 |
| Net operating income to assets | 1.2286% | 1,466 |
| Return on assets (ROA) | 1.5881% | 825 |
| Pretax return on assets | 2.4375% | 275 |
| Return on Equity (ROE) | 17.0443% | 603 |
| Retained earnings to average equity (ytd only) | 17.0443% | 282 |
| Net charge-offs to loans | 0.0626% | 4,790 |
| Credit loss provision to net charge-offs | 525.4902% | 803 |
| Earnings coverage of net charge-offs (x) | 43.6667% | 632 |
| Efficiency ratio | 59.6412% | 6,237 |
| Assets per employee ($millions) | 3.2416% | 5,669 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0619% | 6,176 |
| Loan loss allowance to noncurrent loans | 100.3007% | 2,772 |
| Noncurrent assets plus other real estate owned to assets | 1.0410% | 5,062 |
| Noncurrent loans to loans | 1.0587% | 5,226 |
| Net loans and leases to total assets | 76.0987% | 1,524 |
| Net loans and leases to deposits | 97.7615% | 929 |
| Net loans and leases to core deposits | 109.0433% | 1,351 |
| Total domestic deposits to total assets | 77.8412% | 6,358 |
| Equity capital to assets | 10.1800% | 3,632 |
| Core capital (leverage) ratio | 9.2418% | 4,156 |
| Tier 1 risk-based capital ratio | 13.8415% | 3,774 |
| Total risk-based capital ratio | 15.0640% | 3,743 |
| Memoranda: | ||
| Average total assets | $415,838,500 | 1,677 |
| Average earning assets | $389,097,000 | 1,632 |
| Average equity | $38,746,000 | 1,730 |
| Average total loans | $326,106,500 | 1,443 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3173% | 168 |
| Cost of funding earning assets | 1.5006% | 5,512 |
| Net interest margin | 5.8167% | 134 |
| Noninterest income to average assets | 1.3177% | 864 |
| Noninterest expense to average assets | 3.3308% | 2,905 |
| Loan and lease loss provision to assets | 2.8775% | 630 |
| Net operating income to assets | 0.3799% | 4,208 |
| Return on assets (ROA) | 0.3799% | 4,309 |
| Pretax return on assets | 0.5740% | 3,975 |
| Return on Equity (ROE) | 4.3464% | 3,946 |
| Retained earnings to average equity (ytd only) | -8.1964% | 6,361 |
| Net charge-offs to loans | 2.3954% | 954 |
| Credit loss provision to net charge-offs | 146.6878% | 3,222 |
| Earnings coverage of net charge-offs (x) | 1.7595% | 4,407 |
| Efficiency ratio | 49.1101% | 7,583 |
| Assets per employee ($millions) | 3.4132% | 5,227 |
| Cash dividends to net income (ytd only)* | 288.5784% | 114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8847% | 852 |
| Loan loss allowance to noncurrent loans | 164.4797% | 1,773 |
| Noncurrent assets plus other real estate owned to assets | 1.6050% | 3,967 |
| Noncurrent loans to loans | 1.7538% | 4,008 |
| Net loans and leases to total assets | 77.5706% | 1,471 |
| Net loans and leases to deposits | 100.1021% | 895 |
| Net loans and leases to core deposits | 127.7621% | 1,405 |
| Total domestic deposits to total assets | 77.4914% | 6,349 |
| Equity capital to assets | 8.4853% | 5,904 |
| Core capital (leverage) ratio | 7.5383% | 6,753 |
| Tier 1 risk-based capital ratio | 9.7086% | 7,094 |
| Total risk-based capital ratio | 10.9793% | 7,056 |
| Memoranda: | ||
| Average total assets | $433,254,000 | 1,598 |
| Average earning assets | $407,037,800 | 1,556 |
| Average equity | $37,870,200 | 1,765 |
| Average total loans | $354,799,800 | 1,361 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0874% | 266 |
| Cost of funding earning assets | 1.6059% | 5,373 |
| Net interest margin | 5.4815% | 188 |
| Noninterest income to average assets | 1.3181% | 891 |
| Noninterest expense to average assets | 3.3675% | 2,671 |
| Loan and lease loss provision to assets | 2.3838% | 709 |
| Net operating income to assets | 0.4822% | 4,068 |
| Return on assets (ROA) | 0.4822% | 4,160 |
| Pretax return on assets | 0.7322% | 3,756 |
| Return on Equity (ROE) | 5.4779% | 3,752 |
| Retained earnings to average equity (ytd only) | 0.2642% | 5,089 |
| Net charge-offs to loans | 2.0041% | 982 |
| Credit loss provision to net charge-offs | 144.3847% | 3,376 |
| Earnings coverage of net charge-offs (x) | 1.8873% | 4,395 |
| Efficiency ratio | 51.9396% | 7,420 |
| Assets per employee ($millions) | 3.4197% | 5,126 |
| Cash dividends to net income (ytd only)* | 95.1777% | 649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3212% | 1,271 |
| Loan loss allowance to noncurrent loans | 131.1157% | 2,174 |
| Noncurrent assets plus other real estate owned to assets | 1.4721% | 4,171 |
| Noncurrent loans to loans | 1.7703% | 3,964 |
| Net loans and leases to total assets | 79.8801% | 1,192 |
| Net loans and leases to deposits | 103.9435% | 780 |
| Net loans and leases to core deposits | 136.4801% | 1,075 |
| Total domestic deposits to total assets | 76.8495% | 6,380 |
| Equity capital to assets | 8.9325% | 5,590 |
| Core capital (leverage) ratio | 8.3593% | 5,735 |
| Tier 1 risk-based capital ratio | 10.0230% | 6,957 |
| Total risk-based capital ratio | 11.2864% | 6,894 |
| Memoranda: | ||
| Average total assets | $435,757,750 | 1,600 |
| Average earning assets | $410,632,500 | 1,557 |
| Average equity | $38,359,500 | 1,774 |
| Average total loans | $358,984,500 | 1,359 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7994% | 451 |
| Cost of funding earning assets | 1.7516% | 4,997 |
| Net interest margin | 5.0478% | 385 |
| Noninterest income to average assets | 1.3677% | 816 |
| Noninterest expense to average assets | 3.4148% | 2,579 |
| Loan and lease loss provision to assets | 2.2109% | 725 |
| Net operating income to assets | 0.3242% | 4,787 |
| Return on assets (ROA) | 0.3242% | 4,910 |
| Pretax return on assets | 0.4897% | 4,656 |
| Return on Equity (ROE) | 3.7007% | 4,618 |
| Retained earnings to average equity (ytd only) | -1.5189% | 5,620 |
| Net charge-offs to loans | 1.9054% | 982 |
| Credit loss provision to net charge-offs | 140.5115% | 3,320 |
| Earnings coverage of net charge-offs (x) | 1.7164% | 4,268 |
| Efficiency ratio | 55.8397% | 7,138 |
| Assets per employee ($millions) | 3.3847% | 5,105 |
| Cash dividends to net income (ytd only)* | 141.0437% | 394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0325% | 1,510 |
| Loan loss allowance to noncurrent loans | 109.8057% | 2,671 |
| Noncurrent assets plus other real estate owned to assets | 1.4856% | 4,008 |
| Noncurrent loans to loans | 1.8510% | 3,734 |
| Net loans and leases to total assets | 78.6319% | 1,608 |
| Net loans and leases to deposits | 97.7856% | 1,556 |
| Net loans and leases to core deposits | 129.9133% | 1,571 |
| Total domestic deposits to total assets | 80.4125% | 5,314 |
| Equity capital to assets | 8.6316% | 5,847 |
| Core capital (leverage) ratio | 7.9667% | 6,393 |
| Tier 1 risk-based capital ratio | 9.7340% | 7,200 |
| Total risk-based capital ratio | 10.9931% | 7,132 |
| Memoranda: | ||
| Average total assets | $437,384,670 | 1,614 |
| Average earning assets | $411,387,330 | 1,582 |
| Average equity | $38,316,670 | 1,782 |
| Average total loans | $361,191,330 | 1,385 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7230% | 557 |
| Cost of funding earning assets | 1.8677% | 4,798 |
| Net interest margin | 4.8553% | 546 |
| Noninterest income to average assets | 1.3557% | 778 |
| Noninterest expense to average assets | 3.4004% | 2,356 |
| Loan and lease loss provision to assets | 1.9061% | 638 |
| Net operating income to assets | 0.3935% | 4,881 |
| Return on assets (ROA) | 0.3935% | 5,058 |
| Pretax return on assets | 0.5990% | 4,751 |
| Return on Equity (ROE) | 4.4589% | 4,721 |
| Retained earnings to average equity (ytd only) | 4.4589% | 3,442 |
| Net charge-offs to loans | 1.3472% | 1,049 |
| Credit loss provision to net charge-offs | 168.9431% | 2,537 |
| Earnings coverage of net charge-offs (x) | 2.2203% | 3,631 |
| Efficiency ratio | 57.5800% | 6,753 |
| Assets per employee ($millions) | 3.2435% | 5,480 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8102% | 1,826 |
| Loan loss allowance to noncurrent loans | 92.4707% | 3,260 |
| Noncurrent assets plus other real estate owned to assets | 1.6379% | 3,452 |
| Noncurrent loans to loans | 1.9576% | 3,325 |
| Net loans and leases to total assets | 82.1536% | 991 |
| Net loans and leases to deposits | 101.4567% | 1,237 |
| Net loans and leases to core deposits | 132.4620% | 1,507 |
| Total domestic deposits to total assets | 80.9741% | 4,982 |
| Equity capital to assets | 8.8423% | 5,560 |
| Core capital (leverage) ratio | 8.2793% | 5,943 |
| Tier 1 risk-based capital ratio | 9.5176% | 7,412 |
| Total risk-based capital ratio | 10.7740% | 7,352 |
| Memoranda: | ||
| Average total assets | $436,071,500 | 1,631 |
| Average earning assets | $408,624,500 | 1,591 |
| Average equity | $38,485,000 | 1,764 |
| Average total loans | $365,203,500 | 1,380 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8749% | 1,479 |
| Cost of funding earning assets | 2.5066% | 4,175 |
| Net interest margin | 4.3683% | 1,774 |
| Noninterest income to average assets | 1.3261% | 827 |
| Noninterest expense to average assets | 3.1022% | 3,685 |
| Loan and lease loss provision to assets | 1.3952% | 992 |
| Net operating income to assets | 0.5991% | 4,305 |
| Return on assets (ROA) | 0.5991% | 4,172 |
| Pretax return on assets | 0.9124% | 3,684 |
| Return on Equity (ROE) | 6.7852% | 3,629 |
| Retained earnings to average equity (ytd only) | 4.1471% | 2,545 |
| Net charge-offs to loans | 0.9836% | 1,260 |
| Credit loss provision to net charge-offs | 174.0267% | 2,926 |
| Earnings coverage of net charge-offs (x) | 2.8783% | 4,640 |
| Efficiency ratio | 57.2271% | 6,830 |
| Assets per employee ($millions) | 3.2652% | 5,300 |
| Cash dividends to net income (ytd only)* | 38.8802% | 3,689 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5888% | 2,293 |
| Loan loss allowance to noncurrent loans | 122.6723% | 2,927 |
| Noncurrent assets plus other real estate owned to assets | 1.0857% | 4,121 |
| Noncurrent loans to loans | 1.2952% | 3,925 |
| Net loans and leases to total assets | 82.4976% | 1,135 |
| Net loans and leases to deposits | 101.7466% | 1,609 |
| Net loans and leases to core deposits | 131.9947% | 1,724 |
| Total domestic deposits to total assets | 81.0814% | 4,602 |
| Equity capital to assets | 8.8083% | 5,638 |
| Core capital (leverage) ratio | 8.1222% | 6,296 |
| Tier 1 risk-based capital ratio | 9.3454% | 7,468 |
| Total risk-based capital ratio | 10.5989% | 7,390 |
| Memoranda: | ||
| Average total assets | $429,314,600 | 1,591 |
| Average earning assets | $401,344,400 | 1,557 |
| Average equity | $37,905,800 | 1,782 |
| Average total loans | $349,945,800 | 1,385 |