Home > Security State Bank > Performance and Condition Ratios
Security 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 | 4.8261% | 1,263 |
| Cost of funding earning assets | 0.4262% | 4,367 |
| Net interest margin | 4.3999% | 910 |
| Noninterest income to average assets | 0.7228% | 2,420 |
| Noninterest expense to average assets | 3.9613% | 908 |
| Loan and lease loss provision to assets | 1.1073% | 154 |
| Net operating income to assets | -0.8525% | 6,578 |
| Return on assets (ROA) | -0.8503% | 6,578 |
| Pretax return on assets | -0.8503% | 6,568 |
| Return on Equity (ROE) | -4.8173% | 6,482 |
| Retained earnings to average equity (ytd only) | -6.4106% | 6,430 |
| Net charge-offs to loans | 2.6410% | 104 |
| Credit loss provision to net charge-offs | 89.5204% | 2,775 |
| Earnings coverage of net charge-offs (x) | 0.2060% | 5,019 |
| Efficiency ratio | 93.9552% | 753 |
| Assets per employee ($millions) | 3.6692% | 4,552 |
| Cash dividends to net income (ytd only)* | -33.0749% | 6,784 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4457% | 3,441 |
| Loan loss allowance to noncurrent loans | 68.2266% | 4,536 |
| Noncurrent assets plus other real estate owned to assets | 2.3688% | 1,469 |
| Noncurrent loans to loans | 2.1190% | 1,861 |
| Net loans and leases to total assets | 42.8867% | 5,761 |
| Net loans and leases to deposits | 51.9534% | 5,628 |
| Net loans and leases to core deposits | 56.3688% | 5,507 |
| Total domestic deposits to total assets | 82.5483% | 4,698 |
| Equity capital to assets | 17.1656% | 383 |
| Core capital (leverage) ratio | 11.7907% | 1,764 |
| Tier 1 risk-based capital ratio | 19.2833% | 1,841 |
| Total risk-based capital ratio | 20.3961% | 1,839 |
| Memoranda: | ||
| Average total assets | $45,514,800 | 6,135 |
| Average earning assets | $36,137,000 | 6,285 |
| Average equity | $8,033,600 | 5,327 |
| Average total loans | $21,317,400 | 6,137 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8159% | 1,311 |
| Cost of funding earning assets | 0.4263% | 4,535 |
| Net interest margin | 4.3896% | 918 |
| Noninterest income to average assets | 1.0635% | 1,292 |
| Noninterest expense to average assets | 3.9459% | 916 |
| Loan and lease loss provision to assets | 1.4645% | 81 |
| Net operating income to assets | -0.8165% | 6,679 |
| Return on assets (ROA) | -0.8194% | 6,686 |
| Pretax return on assets | -0.8194% | 6,665 |
| Return on Equity (ROE) | -4.6120% | 6,592 |
| Retained earnings to average equity (ytd only) | -6.7053% | 6,563 |
| Net charge-offs to loans | 2.7878% | 89 |
| Credit loss provision to net charge-offs | 110.2845% | 2,139 |
| Earnings coverage of net charge-offs (x) | 0.4880% | 4,700 |
| Efficiency ratio | 85.8950% | 1,369 |
| Assets per employee ($millions) | 3.5663% | 4,720 |
| Cash dividends to net income (ytd only)* | -45.3895% | 6,867 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8532% | 2,134 |
| Loan loss allowance to noncurrent loans | 68.5714% | 4,469 |
| Noncurrent assets plus other real estate owned to assets | 2.7129% | 1,388 |
| Noncurrent loans to loans | 2.7026% | 1,564 |
| Net loans and leases to total assets | 47.5208% | 5,399 |
| Net loans and leases to deposits | 58.1489% | 5,172 |
| Net loans and leases to core deposits | 63.2999% | 4,980 |
| Total domestic deposits to total assets | 81.7226% | 5,019 |
| Equity capital to assets | 17.9479% | 327 |
| Core capital (leverage) ratio | 11.8186% | 1,800 |
| Tier 1 risk-based capital ratio | 19.7918% | 1,788 |
| Total risk-based capital ratio | 21.0469% | 1,750 |
| Memoranda: | ||
| Average total assets | $45,886,000 | 6,191 |
| Average earning assets | $36,904,500 | 6,333 |
| Average equity | $8,152,500 | 5,348 |
| Average total loans | $21,856,750 | 6,190 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6559% | 1,685 |
| Cost of funding earning assets | 0.4123% | 4,838 |
| Net interest margin | 4.2435% | 1,158 |
| Noninterest income to average assets | 1.0998% | 1,253 |
| Noninterest expense to average assets | 4.1990% | 696 |
| Loan and lease loss provision to assets | 0.5627% | 462 |
| Net operating income to assets | -0.1961% | 6,490 |
| Return on assets (ROA) | -0.1961% | 6,522 |
| Pretax return on assets | -0.1961% | 6,493 |
| Return on Equity (ROE) | -1.1071% | 6,465 |
| Retained earnings to average equity (ytd only) | -4.1879% | 6,409 |
| Net charge-offs to loans | 0.3508% | 1,789 |
| Credit loss provision to net charge-offs | 338.4615% | 769 |
| Earnings coverage of net charge-offs (x) | 2.2051% | 3,793 |
| Efficiency ratio | 91.9701% | 894 |
| Assets per employee ($millions) | 3.5535% | 4,745 |
| Cash dividends to net income (ytd only)* | -278.2609% | 6,930 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9086% | 2,091 |
| Loan loss allowance to noncurrent loans | 68.0380% | 4,485 |
| Noncurrent assets plus other real estate owned to assets | 2.6496% | 1,575 |
| Noncurrent loans to loans | 2.8051% | 1,614 |
| Net loans and leases to total assets | 47.8407% | 5,344 |
| Net loans and leases to deposits | 57.9855% | 5,164 |
| Net loans and leases to core deposits | 63.0672% | 4,993 |
| Total domestic deposits to total assets | 82.5046% | 4,884 |
| Equity capital to assets | 17.0321% | 411 |
| Core capital (leverage) ratio | 11.7885% | 1,732 |
| Tier 1 risk-based capital ratio | 18.4262% | 2,165 |
| Total risk-based capital ratio | 19.6809% | 2,129 |
| Memoranda: | ||
| Average total assets | $46,916,000 | 6,210 |
| Average earning assets | $38,317,000 | 6,336 |
| Average equity | $8,309,670 | 5,361 |
| Average total loans | $22,235,330 | 6,210 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8041% | 1,283 |
| Cost of funding earning assets | 0.4055% | 5,044 |
| Net interest margin | 4.3986% | 809 |
| Noninterest income to average assets | 1.1168% | 1,193 |
| Noninterest expense to average assets | 3.5789% | 1,457 |
| Loan and lease loss provision to assets | 0.2284% | 1,608 |
| Net operating income to assets | 0.8884% | 2,706 |
| Return on assets (ROA) | 0.8884% | 2,851 |
| Pretax return on assets | 0.8884% | 3,805 |
| Return on Equity (ROE) | 4.9235% | 4,616 |
| Retained earnings to average equity (ytd only) | -0.8909% | 5,936 |
| Net charge-offs to loans | 0.2354% | 2,031 |
| Credit loss provision to net charge-offs | 207.6923% | 1,057 |
| Earnings coverage of net charge-offs (x) | 10.1538% | 1,772 |
| Efficiency ratio | 76.2162% | 2,890 |
| Assets per employee ($millions) | 4.7412% | 2,580 |
| Cash dividends to net income (ytd only)* | 118.0952% | 511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5655% | 3,543 |
| Loan loss allowance to noncurrent loans | 57.6355% | 4,826 |
| Noncurrent assets plus other real estate owned to assets | 2.9908% | 1,502 |
| Noncurrent loans to loans | 2.7162% | 1,882 |
| Net loans and leases to total assets | 46.5494% | 5,383 |
| Net loans and leases to deposits | 56.7702% | 5,163 |
| Net loans and leases to core deposits | 62.5106% | 4,903 |
| Total domestic deposits to total assets | 81.9961% | 5,188 |
| Equity capital to assets | 17.8837% | 348 |
| Core capital (leverage) ratio | 12.1517% | 1,490 |
| Tier 1 risk-based capital ratio | 18.5679% | 2,167 |
| Total risk-based capital ratio | 19.7987% | 2,143 |
| Memoranda: | ||
| Average total assets | $47,276,500 | 6,258 |
| Average earning assets | $38,467,000 | 6,386 |
| Average equity | $8,530,500 | 5,351 |
| Average total loans | $22,088,000 | 6,272 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0823% | 1,346 |
| Cost of funding earning assets | 0.4673% | 5,437 |
| Net interest margin | 4.6150% | 761 |
| Noninterest income to average assets | 0.9142% | 1,820 |
| Noninterest expense to average assets | 3.7344% | 1,350 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.8744% | 2,932 |
| Return on assets (ROA) | 0.9873% | 2,616 |
| Pretax return on assets | 0.9873% | 3,589 |
| Return on Equity (ROE) | 5.2612% | 4,559 |
| Retained earnings to average equity (ytd only) | 2.1941% | 4,690 |
| Net charge-offs to loans | 0.2745% | 3,284 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 6.8103% | 2,735 |
| Efficiency ratio | 81.0279% | 2,004 |
| Assets per employee ($millions) | 3.3672% | 5,296 |
| Cash dividends to net income (ytd only)* | 58.2960% | 1,892 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5491% | 3,525 |
| Loan loss allowance to noncurrent loans | 49.1971% | 5,171 |
| Noncurrent assets plus other real estate owned to assets | 2.7937% | 1,718 |
| Noncurrent loans to loans | 3.1487% | 1,635 |
| Net loans and leases to total assets | 45.4339% | 5,676 |
| Net loans and leases to deposits | 55.6095% | 5,486 |
| Net loans and leases to core deposits | 61.2766% | 5,239 |
| Total domestic deposits to total assets | 81.7017% | 5,194 |
| Equity capital to assets | 18.2050% | 310 |
| Core capital (leverage) ratio | 12.5389% | 1,305 |
| Tier 1 risk-based capital ratio | 19.0981% | 1,930 |
| Total risk-based capital ratio | 20.3090% | 1,911 |
| Memoranda: | ||
| Average total assets | $45,174,000 | 6,344 |
| Average earning assets | $36,164,800 | 6,499 |
| Average equity | $8,477,200 | 5,368 |
| Average total loans | $21,131,400 | 6,374 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1222% | 1,376 |
| Cost of funding earning assets | 0.4830% | 5,549 |
| Net interest margin | 4.6392% | 761 |
| Noninterest income to average assets | 0.9817% | 1,554 |
| Noninterest expense to average assets | 3.7926% | 1,222 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.8862% | 3,052 |
| Return on assets (ROA) | 1.0295% | 2,585 |
| Pretax return on assets | 1.0295% | 3,604 |
| Return on Equity (ROE) | 5.4430% | 4,624 |
| Retained earnings to average equity (ytd only) | 1.3410% | 5,636 |
| Net charge-offs to loans | 0.2924% | 2,980 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 6.4567% | 2,788 |
| Efficiency ratio | 81.0587% | 1,924 |
| Assets per employee ($millions) | 3.1449% | 5,745 |
| Cash dividends to net income (ytd only)* | 75.3625% | 766 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6248% | 3,431 |
| Loan loss allowance to noncurrent loans | 61.5114% | 4,583 |
| Noncurrent assets plus other real estate owned to assets | 2.8754% | 1,826 |
| Noncurrent loans to loans | 2.6415% | 2,149 |
| Net loans and leases to total assets | 48.1296% | 5,530 |
| Net loans and leases to deposits | 59.8937% | 5,222 |
| Net loans and leases to core deposits | 66.5965% | 4,888 |
| Total domestic deposits to total assets | 80.3584% | 5,558 |
| Equity capital to assets | 19.3463% | 271 |
| Core capital (leverage) ratio | 12.7032% | 1,316 |
| Tier 1 risk-based capital ratio | 20.0669% | 1,737 |
| Total risk-based capital ratio | 21.3011% | 1,713 |
| Memoranda: | ||
| Average total assets | $44,682,250 | 6,428 |
| Average earning assets | $35,609,000 | 6,593 |
| Average equity | $8,451,000 | 5,426 |
| Average total loans | $20,975,500 | 6,465 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1290% | 1,425 |
| Cost of funding earning assets | 0.4938% | 5,665 |
| Net interest margin | 4.6352% | 771 |
| Noninterest income to average assets | 0.9755% | 1,528 |
| Noninterest expense to average assets | 3.7372% | 1,317 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.9176% | 2,819 |
| Return on assets (ROA) | 1.1314% | 2,159 |
| Pretax return on assets | 1.1314% | 3,186 |
| Return on Equity (ROE) | 6.0270% | 4,314 |
| Retained earnings to average equity (ytd only) | 1.8746% | 5,267 |
| Net charge-offs to loans | 0.3945% | 2,443 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 5.0244% | 2,928 |
| Efficiency ratio | 80.2871% | 2,128 |
| Assets per employee ($millions) | 3.2109% | 5,626 |
| Cash dividends to net income (ytd only)* | 68.8976% | 1,117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6991% | 3,230 |
| Loan loss allowance to noncurrent loans | 57.7488% | 4,757 |
| Noncurrent assets plus other real estate owned to assets | 2.9098% | 1,902 |
| Noncurrent loans to loans | 2.9423% | 2,029 |
| Net loans and leases to total assets | 45.5597% | 5,857 |
| Net loans and leases to deposits | 56.4747% | 5,599 |
| Net loans and leases to core deposits | 62.6070% | 5,341 |
| Total domestic deposits to total assets | 80.6727% | 5,565 |
| Equity capital to assets | 18.8156% | 289 |
| Core capital (leverage) ratio | 12.2854% | 1,451 |
| Tier 1 risk-based capital ratio | 20.6173% | 1,548 |
| Total risk-based capital ratio | 21.8718% | 1,531 |
| Memoranda: | ||
| Average total assets | $44,900,000 | 6,469 |
| Average earning assets | $35,640,330 | 6,633 |
| Average equity | $8,428,670 | 5,438 |
| Average total loans | $20,787,000 | 6,525 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1738% | 1,372 |
| Cost of funding earning assets | 0.5174% | 5,703 |
| Net interest margin | 4.6564% | 740 |
| Noninterest income to average assets | 0.9449% | 1,583 |
| Noninterest expense to average assets | 3.4318% | 1,932 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.2034% | 1,721 |
| Return on assets (ROA) | 1.6045% | 956 |
| Pretax return on assets | 1.6045% | 1,558 |
| Return on Equity (ROE) | 8.5572% | 3,025 |
| Retained earnings to average equity (ytd only) | 4.4687% | 3,908 |
| Net charge-offs to loans | -0.0771% | 6,705 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0385% | 3,097 |
| Assets per employee ($millions) | 3.2434% | 5,674 |
| Cash dividends to net income (ytd only)* | 47.7778% | 1,533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8976% | 2,684 |
| Loan loss allowance to noncurrent loans | 81.0591% | 3,645 |
| Noncurrent assets plus other real estate owned to assets | 2.7286% | 2,163 |
| Noncurrent loans to loans | 2.3410% | 2,760 |
| Net loans and leases to total assets | 45.3136% | 5,867 |
| Net loans and leases to deposits | 55.8069% | 5,627 |
| Net loans and leases to core deposits | 62.6954% | 5,257 |
| Total domestic deposits to total assets | 81.1971% | 5,545 |
| Equity capital to assets | 18.5122% | 306 |
| Core capital (leverage) ratio | 12.2286% | 1,474 |
| Tier 1 risk-based capital ratio | 17.7855% | 2,368 |
| Total risk-based capital ratio | 19.0355% | 2,347 |
| Memoranda: | ||
| Average total assets | $44,874,000 | 6,513 |
| Average earning assets | $35,564,000 | 6,688 |
| Average equity | $8,414,000 | 5,461 |
| Average total loans | $20,763,500 | 6,576 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4808% | 1,209 |
| Cost of funding earning assets | 0.6753% | 5,683 |
| Net interest margin | 4.8055% | 615 |
| Noninterest income to average assets | 1.1314% | 1,025 |
| Noninterest expense to average assets | 3.8435% | 1,268 |
| Loan and lease loss provision to assets | 0.3088% | 3,200 |
| Net operating income to assets | 0.7834% | 3,120 |
| Return on assets (ROA) | 0.8388% | 3,039 |
| Pretax return on assets | 0.8388% | 3,829 |
| Return on Equity (ROE) | 4.3096% | 4,718 |
| Retained earnings to average equity (ytd only) | -1.9299% | 6,145 |
| Net charge-offs to loans | 0.0250% | 6,087 |
| Credit loss provision to net charge-offs | 2,680.0000% | 83 |
| Earnings coverage of net charge-offs (x) | 94.8000% | 320 |
| Efficiency ratio | 77.8711% | 2,605 |
| Assets per employee ($millions) | 2.9560% | 6,183 |
| Cash dividends to net income (ytd only)* | 144.7802% | 160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9219% | 2,501 |
| Loan loss allowance to noncurrent loans | 112.8571% | 2,749 |
| Noncurrent assets plus other real estate owned to assets | 2.4899% | 2,441 |
| Noncurrent loans to loans | 1.7029% | 3,608 |
| Net loans and leases to total assets | 45.4623% | 6,060 |
| Net loans and leases to deposits | 56.4935% | 5,840 |
| Net loans and leases to core deposits | 62.4357% | 5,610 |
| Total domestic deposits to total assets | 80.4736% | 5,602 |
| Equity capital to assets | 18.9941% | 280 |
| Core capital (leverage) ratio | 12.0870% | 1,545 |
| Tier 1 risk-based capital ratio | 17.7462% | 2,286 |
| Total risk-based capital ratio | 18.9987% | 2,257 |
| Memoranda: | ||
| Average total assets | $43,397,800 | 6,557 |
| Average earning assets | $34,356,400 | 6,740 |
| Average equity | $8,446,200 | 5,419 |
| Average total loans | $20,002,800 | 6,658 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5610% | 1,114 |
| Cost of funding earning assets | 0.7102% | 5,699 |
| Net interest margin | 4.8508% | 568 |
| Noninterest income to average assets | 1.1646% | 970 |
| Noninterest expense to average assets | 3.9138% | 1,130 |
| Loan and lease loss provision to assets | 0.1267% | 4,848 |
| Net operating income to assets | 0.9638% | 2,463 |
| Return on assets (ROA) | 0.9761% | 2,571 |
| Pretax return on assets | 0.9761% | 3,491 |
| Return on Equity (ROE) | 4.9847% | 4,540 |
| Retained earnings to average equity (ytd only) | -3.3285% | 6,448 |
| Net charge-offs to loans | 0.0403% | 5,589 |
| Credit loss provision to net charge-offs | 683.3333% | 393 |
| Earnings coverage of net charge-offs (x) | 58.8313% | 564 |
| Efficiency ratio | 78.2099% | 2,520 |
| Assets per employee ($millions) | 2.8737% | 6,362 |
| Cash dividends to net income (ytd only)* | 166.7735% | 90 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4922% | 4,140 |
| Loan loss allowance to noncurrent loans | 81.5217% | 3,520 |
| Noncurrent assets plus other real estate owned to assets | 1.4708% | 3,916 |
| Noncurrent loans to loans | 1.8304% | 3,598 |
| Net loans and leases to total assets | 45.9459% | 6,158 |
| Net loans and leases to deposits | 57.5677% | 5,883 |
| Net loans and leases to core deposits | 63.9738% | 5,615 |
| Total domestic deposits to total assets | 79.8121% | 5,787 |
| Equity capital to assets | 19.6311% | 268 |
| Core capital (leverage) ratio | 12.2371% | 1,572 |
| Tier 1 risk-based capital ratio | 18.0539% | 2,231 |
| Total risk-based capital ratio | 19.1201% | 2,266 |
| Memoranda: | ||
| Average total assets | $43,162,250 | 6,621 |
| Average earning assets | $34,165,500 | 6,805 |
| Average equity | $8,452,250 | 5,448 |
| Average total loans | $19,865,250 | 6,729 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5379% | 1,212 |
| Cost of funding earning assets | 0.7345% | 5,755 |
| Net interest margin | 4.8034% | 598 |
| Noninterest income to average assets | 1.1811% | 919 |
| Noninterest expense to average assets | 3.9137% | 1,168 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.0838% | 1,918 |
| Return on assets (ROA) | 1.1023% | 1,952 |
| Pretax return on assets | 1.1023% | 2,838 |
| Return on Equity (ROE) | 5.6338% | 4,141 |
| Retained earnings to average equity (ytd only) | -4.1662% | 6,486 |
| Net charge-offs to loans | -0.0708% | 7,096 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3133% | 2,665 |
| Assets per employee ($millions) | 2.8705% | 6,351 |
| Cash dividends to net income (ytd only)* | 173.9496% | 116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3764% | 4,697 |
| Loan loss allowance to noncurrent loans | 362.6667% | 884 |
| Noncurrent assets plus other real estate owned to assets | 0.8036% | 5,277 |
| Noncurrent loans to loans | 0.3795% | 6,142 |
| Net loans and leases to total assets | 45.2622% | 6,330 |
| Net loans and leases to deposits | 56.6870% | 6,075 |
| Net loans and leases to core deposits | 62.8901% | 5,820 |
| Total domestic deposits to total assets | 79.8458% | 5,868 |
| Equity capital to assets | 19.5039% | 291 |
| Core capital (leverage) ratio | 12.2330% | 1,489 |
| Tier 1 risk-based capital ratio | 20.9042% | 1,441 |
| Total risk-based capital ratio | 22.0119% | 1,440 |
| Memoranda: | ||
| Average total assets | $43,181,330 | 6,672 |
| Average earning assets | $34,309,330 | 6,858 |
| Average equity | $8,449,000 | 5,475 |
| Average total loans | $19,785,330 | 6,805 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4728% | 1,372 |
| Cost of funding earning assets | 0.7452% | 5,895 |
| Net interest margin | 4.7275% | 663 |
| Noninterest income to average assets | 1.1285% | 1,027 |
| Noninterest expense to average assets | 4.0053% | 1,027 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.8788% | 2,670 |
| Return on assets (ROA) | 0.9158% | 2,547 |
| Pretax return on assets | 0.9158% | 3,441 |
| Return on Equity (ROE) | 4.6728% | 4,571 |
| Retained earnings to average equity (ytd only) | 4.6728% | 3,395 |
| Net charge-offs to loans | -0.1212% | 7,138 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.0076% | 2,225 |
| Assets per employee ($millions) | 2.9482% | 6,240 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3746% | 4,787 |
| Loan loss allowance to noncurrent loans | 343.0380% | 902 |
| Noncurrent assets plus other real estate owned to assets | 0.8027% | 5,302 |
| Noncurrent loans to loans | 0.4007% | 6,194 |
| Net loans and leases to total assets | 43.9681% | 6,472 |
| Net loans and leases to deposits | 54.6425% | 6,242 |
| Net loans and leases to core deposits | 59.3438% | 6,156 |
| Total domestic deposits to total assets | 80.4649% | 5,822 |
| Equity capital to assets | 19.2456% | 291 |
| Core capital (leverage) ratio | 13.1818% | 1,068 |
| Tier 1 risk-based capital ratio | 21.7807% | 1,264 |
| Total risk-based capital ratio | 22.8740% | 1,274 |
| Memoranda: | ||
| Average total assets | $43,243,000 | 6,720 |
| Average earning assets | $34,352,000 | 6,907 |
| Average equity | $8,474,500 | 5,463 |
| Average total loans | $19,797,500 | 6,852 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7787% | 1,335 |
| Cost of funding earning assets | 0.9410% | 5,976 |
| Net interest margin | 4.8377% | 623 |
| Noninterest income to average assets | 1.2400% | 978 |
| Noninterest expense to average assets | 4.0909% | 1,037 |
| Loan and lease loss provision to assets | 0.4027% | 3,699 |
| Net operating income to assets | 0.6007% | 3,663 |
| Return on assets (ROA) | 0.6826% | 3,424 |
| Pretax return on assets | 0.6416% | 4,193 |
| Return on Equity (ROE) | 3.5566% | 4,720 |
| Retained earnings to average equity (ytd only) | 1.1855% | 4,953 |
| Net charge-offs to loans | 0.6612% | 3,025 |
| Credit loss provision to net charge-offs | 132.0896% | 2,979 |
| Earnings coverage of net charge-offs (x) | 3.1567% | 3,489 |
| Efficiency ratio | 79.4687% | 2,486 |
| Assets per employee ($millions) | 2.6414% | 6,781 |
| Cash dividends to net income (ytd only)* | 66.6667% | 1,356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3330% | 4,837 |
| Loan loss allowance to noncurrent loans | 212.0000% | 1,431 |
| Noncurrent assets plus other real estate owned to assets | 1.1949% | 4,628 |
| Noncurrent loans to loans | 0.6288% | 5,789 |
| Net loans and leases to total assets | 46.4118% | 6,523 |
| Net loans and leases to deposits | 59.2544% | 6,131 |
| Net loans and leases to core deposits | 64.7702% | 5,995 |
| Total domestic deposits to total assets | 78.3262% | 6,251 |
| Equity capital to assets | 19.9655% | 262 |
| Core capital (leverage) ratio | 14.9863% | 667 |
| Tier 1 risk-based capital ratio | 23.6743% | 964 |
| Total risk-based capital ratio | 24.6723% | 970 |
| Memoranda: | ||
| Average total assets | $43,951,600 | 6,737 |
| Average earning assets | $34,644,400 | 6,929 |
| Average equity | $8,435,000 | 5,571 |
| Average total loans | $20,265,200 | 6,908 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7942% | 1,417 |
| Cost of funding earning assets | 0.9797% | 6,037 |
| Net interest margin | 4.8145% | 659 |
| Noninterest income to average assets | 1.3491% | 741 |
| Noninterest expense to average assets | 4.2156% | 810 |
| Loan and lease loss provision to assets | 0.4777% | 3,084 |
| Net operating income to assets | 0.5078% | 4,280 |
| Return on assets (ROA) | 0.5589% | 4,223 |
| Pretax return on assets | 0.5018% | 4,918 |
| Return on Equity (ROE) | 2.9403% | 5,246 |
| Retained earnings to average equity (ytd only) | 1.3595% | 5,266 |
| Net charge-offs to loans | 0.9233% | 2,151 |
| Credit loss provision to net charge-offs | 112.7660% | 3,733 |
| Earnings coverage of net charge-offs (x) | 2.1914% | 4,081 |
| Efficiency ratio | 80.0234% | 2,331 |
| Assets per employee ($millions) | 2.3231% | 7,290 |
| Cash dividends to net income (ytd only)* | 53.7643% | 1,483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2011% | 5,486 |
| Loan loss allowance to noncurrent loans | 78.6885% | 3,424 |
| Noncurrent assets plus other real estate owned to assets | 1.6501% | 3,966 |
| Noncurrent loans to loans | 1.5265% | 4,348 |
| Net loans and leases to total assets | 47.2092% | 6,590 |
| Net loans and leases to deposits | 62.9376% | 6,026 |
| Net loans and leases to core deposits | 68.3884% | 5,902 |
| Total domestic deposits to total assets | 75.0096% | 6,796 |
| Equity capital to assets | 20.2841% | 270 |
| Core capital (leverage) ratio | 14.8365% | 747 |
| Tier 1 risk-based capital ratio | 24.1966% | 926 |
| Total risk-based capital ratio | 25.1225% | 935 |
| Memoranda: | ||
| Average total assets | $44,373,750 | 6,804 |
| Average earning assets | $34,976,500 | 6,999 |
| Average equity | $8,434,250 | 5,646 |
| Average total loans | $20,361,500 | 6,994 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7020% | 1,759 |
| Cost of funding earning assets | 1.0332% | 5,993 |
| Net interest margin | 4.6688% | 869 |
| Noninterest income to average assets | 1.1719% | 938 |
| Noninterest expense to average assets | 4.0463% | 992 |
| Loan and lease loss provision to assets | 0.0796% | 6,143 |
| Net operating income to assets | 0.8358% | 2,801 |
| Return on assets (ROA) | 0.8358% | 2,955 |
| Pretax return on assets | 0.7429% | 4,094 |
| Return on Equity (ROE) | 4.4902% | 4,547 |
| Retained earnings to average equity (ytd only) | 2.1144% | 4,800 |
| Net charge-offs to loans | 0.0781% | 5,360 |
| Credit loss provision to net charge-offs | 225.0000% | 1,721 |
| Earnings coverage of net charge-offs (x) | 23.2500% | 1,110 |
| Efficiency ratio | 81.1081% | 2,285 |
| Assets per employee ($millions) | 2.4079% | 7,216 |
| Cash dividends to net income (ytd only)* | 52.9101% | 1,566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1423% | 5,730 |
| Loan loss allowance to noncurrent loans | 151.2987% | 1,848 |
| Noncurrent assets plus other real estate owned to assets | 1.2620% | 4,623 |
| Noncurrent loans to loans | 0.7550% | 5,759 |
| Net loans and leases to total assets | 46.5242% | 6,741 |
| Net loans and leases to deposits | 60.9638% | 6,316 |
| Net loans and leases to core deposits | 70.5637% | 5,821 |
| Total domestic deposits to total assets | 76.3145% | 6,625 |
| Equity capital to assets | 19.5533% | 308 |
| Core capital (leverage) ratio | 14.4572% | 827 |
| Tier 1 risk-based capital ratio | 22.6534% | 1,104 |
| Total risk-based capital ratio | 23.4946% | 1,145 |
| Memoranda: | ||
| Average total assets | $45,226,330 | 6,824 |
| Average earning assets | $35,812,000 | 7,012 |
| Average equity | $8,418,330 | 5,656 |
| Average total loans | $20,488,330 | 7,040 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5726% | 2,274 |
| Cost of funding earning assets | 1.1211% | 5,798 |
| Net interest margin | 4.4516% | 1,253 |
| Noninterest income to average assets | 1.0050% | 1,288 |
| Noninterest expense to average assets | 3.9421% | 1,113 |
| Loan and lease loss provision to assets | 0.0866% | 5,773 |
| Net operating income to assets | 0.7104% | 3,390 |
| Return on assets (ROA) | 0.7104% | 3,499 |
| Pretax return on assets | 0.5198% | 4,894 |
| Return on Equity (ROE) | 3.9094% | 4,932 |
| Retained earnings to average equity (ytd only) | 3.9094% | 3,794 |
| Net charge-offs to loans | 0.1948% | 3,746 |
| Credit loss provision to net charge-offs | 100.0000% | 3,385 |
| Earnings coverage of net charge-offs (x) | 7.0000% | 2,140 |
| Efficiency ratio | 84.3810% | 1,987 |
| Assets per employee ($millions) | 2.6729% | 6,914 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0734% | 6,134 |
| Loan loss allowance to noncurrent loans | 152.0548% | 1,836 |
| Noncurrent assets plus other real estate owned to assets | 1.2522% | 4,675 |
| Noncurrent loans to loans | 0.7059% | 5,922 |
| Net loans and leases to total assets | 45.0274% | 6,903 |
| Net loans and leases to deposits | 56.4663% | 6,736 |
| Net loans and leases to core deposits | 68.8101% | 6,020 |
| Total domestic deposits to total assets | 79.7421% | 5,876 |
| Equity capital to assets | 18.5039% | 377 |
| Core capital (leverage) ratio | 13.8445% | 994 |
| Tier 1 risk-based capital ratio | 22.5278% | 1,146 |
| Total risk-based capital ratio | 23.3258% | 1,175 |
| Memoranda: | ||
| Average total assets | $46,168,000 | 6,871 |
| Average earning assets | $36,751,000 | 7,066 |
| Average equity | $8,390,000 | 5,717 |
| Average total loans | $20,533,500 | 7,126 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5622% | 3,799 |
| Cost of funding earning assets | 1.5294% | 5,379 |
| Net interest margin | 4.0328% | 2,734 |
| Noninterest income to average assets | 1.0039% | 1,558 |
| Noninterest expense to average assets | 3.4159% | 2,619 |
| Loan and lease loss provision to assets | 0.1690% | 5,997 |
| Net operating income to assets | 0.4848% | 3,796 |
| Return on assets (ROA) | 0.4848% | 3,891 |
| Pretax return on assets | 0.7343% | 3,462 |
| Return on Equity (ROE) | 2.8637% | 4,568 |
| Retained earnings to average equity (ytd only) | 1.3784% | 4,094 |
| Net charge-offs to loans | 0.6974% | 3,094 |
| Credit loss provision to net charge-offs | 58.3333% | 6,664 |
| Earnings coverage of net charge-offs (x) | 3.1181% | 3,502 |
| Efficiency ratio | 77.8295% | 3,221 |
| Assets per employee ($millions) | 2.7586% | 6,738 |
| Cash dividends to net income (ytd only)* | 51.8672% | 2,384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0890% | 5,951 |
| Loan loss allowance to noncurrent loans | 224.2424% | 1,327 |
| Noncurrent assets plus other real estate owned to assets | 0.9574% | 5,189 |
| Noncurrent loans to loans | 0.4857% | 6,285 |
| Net loans and leases to total assets | 42.9942% | 7,184 |
| Net loans and leases to deposits | 53.5168% | 7,086 |
| Net loans and leases to core deposits | 78.2816% | 6,239 |
| Total domestic deposits to total assets | 80.3378% | 5,570 |
| Equity capital to assets | 17.8519% | 460 |
| Core capital (leverage) ratio | 13.2787% | 1,167 |
| Tier 1 risk-based capital ratio | 22.8967% | 1,052 |
| Total risk-based capital ratio | 23.7184% | 1,076 |
| Memoranda: | ||
| Average total assets | $49,708,400 | 6,722 |
| Average earning assets | $40,865,400 | 6,913 |
| Average equity | $8,415,800 | 5,797 |
| Average total loans | $20,646,800 | 7,159 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6370% | 3,660 |
| Cost of funding earning assets | 1.6339% | 5,234 |
| Net interest margin | 4.0031% | 2,806 |
| Noninterest income to average assets | 1.0050% | 1,592 |
| Noninterest expense to average assets | 3.3299% | 2,812 |
| Loan and lease loss provision to assets | 0.2222% | 5,197 |
| Net operating income to assets | 0.5025% | 3,973 |
| Return on assets (ROA) | 0.5025% | 4,063 |
| Pretax return on assets | 0.7644% | 3,647 |
| Return on Equity (ROE) | 3.0063% | 4,792 |
| Retained earnings to average equity (ytd only) | 3.0063% | 3,647 |
| Net charge-offs to loans | 0.9205% | 2,129 |
| Credit loss provision to net charge-offs | 58.7413% | 6,194 |
| Earnings coverage of net charge-offs (x) | 2.6084% | 3,920 |
| Efficiency ratio | 75.9191% | 3,530 |
| Assets per employee ($millions) | 2.2061% | 7,607 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1002% | 5,723 |
| Loan loss allowance to noncurrent loans | 214.4231% | 1,377 |
| Noncurrent assets plus other real estate owned to assets | 0.8310% | 5,430 |
| Noncurrent loans to loans | 0.5131% | 6,279 |
| Net loans and leases to total assets | 43.2697% | 7,297 |
| Net loans and leases to deposits | 54.2297% | 7,197 |
| Net loans and leases to core deposits | 86.9599% | 5,764 |
| Total domestic deposits to total assets | 79.7898% | 5,524 |
| Equity capital to assets | 18.2892% | 485 |
| Core capital (leverage) ratio | 12.9446% | 1,390 |
| Tier 1 risk-based capital ratio | 23.3225% | 1,068 |
| Total risk-based capital ratio | 24.1571% | 1,088 |
| Memoranda: | ||
| Average total assets | $50,411,250 | 6,740 |
| Average earning assets | $41,699,750 | 6,926 |
| Average equity | $8,426,750 | 5,844 |
| Average total loans | $20,712,250 | 7,219 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5910% | 4,118 |
| Cost of funding earning assets | 1.6898% | 5,322 |
| Net interest margin | 3.9012% | 3,108 |
| Noninterest income to average assets | 0.9310% | 1,837 |
| Noninterest expense to average assets | 3.1677% | 3,437 |
| Loan and lease loss provision to assets | 0.1313% | 5,778 |
| Net operating income to assets | 0.5833% | 3,755 |
| Return on assets (ROA) | 0.5833% | 3,861 |
| Pretax return on assets | 0.8962% | 3,351 |
| Return on Equity (ROE) | 3.5904% | 4,668 |
| Retained earnings to average equity (ytd only) | 3.5904% | 3,302 |
| Net charge-offs to loans | 0.8917% | 1,915 |
| Credit loss provision to net charge-offs | 36.5591% | 5,951 |
| Earnings coverage of net charge-offs (x) | 2.8602% | 3,671 |
| Efficiency ratio | 75.5064% | 3,786 |
| Assets per employee ($millions) | 2.9763% | 6,198 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0933% | 5,650 |
| Loan loss allowance to noncurrent loans | 145.4545% | 2,024 |
| Noncurrent assets plus other real estate owned to assets | 0.3044% | 6,707 |
| Noncurrent loans to loans | 0.7516% | 5,735 |
| Net loans and leases to total assets | 40.0518% | 7,553 |
| Net loans and leases to deposits | 49.0761% | 7,519 |
| Net loans and leases to core deposits | 75.9330% | 6,680 |
| Total domestic deposits to total assets | 81.6116% | 4,855 |
| Equity capital to assets | 16.6235% | 727 |
| Core capital (leverage) ratio | 12.3383% | 1,675 |
| Tier 1 risk-based capital ratio | 21.6652% | 1,307 |
| Total risk-based capital ratio | 22.4456% | 1,330 |
| Memoranda: | ||
| Average total assets | $51,772,330 | 6,759 |
| Average earning assets | $43,320,000 | 6,910 |
| Average equity | $8,411,330 | 5,879 |
| Average total loans | $20,860,000 | 7,275 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6194% | 4,241 |
| Cost of funding earning assets | 1.7228% | 5,509 |
| Net interest margin | 3.8966% | 3,053 |
| Noninterest income to average assets | 0.9167% | 1,787 |
| Noninterest expense to average assets | 3.1551% | 3,173 |
| Loan and lease loss provision to assets | 0.1146% | 5,498 |
| Net operating income to assets | 0.6264% | 3,905 |
| Return on assets (ROA) | 0.6264% | 4,087 |
| Pretax return on assets | 0.9473% | 3,542 |
| Return on Equity (ROE) | 3.8994% | 4,980 |
| Retained earnings to average equity (ytd only) | 3.8994% | 3,723 |
| Net charge-offs to loans | 1.1594% | 1,185 |
| Credit loss provision to net charge-offs | 24.5902% | 5,016 |
| Earnings coverage of net charge-offs (x) | 2.2787% | 3,596 |
| Efficiency ratio | 74.8188% | 3,692 |
| Assets per employee ($millions) | 2.8939% | 6,426 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1503% | 5,120 |
| Loan loss allowance to noncurrent loans | 111.8483% | 2,771 |
| Noncurrent assets plus other real estate owned to assets | 0.7199% | 5,361 |
| Noncurrent loans to loans | 1.0284% | 4,933 |
| Net loans and leases to total assets | 38.9345% | 7,620 |
| Net loans and leases to deposits | 47.4531% | 7,604 |
| Net loans and leases to core deposits | 73.5458% | 6,835 |
| Total domestic deposits to total assets | 82.0484% | 4,531 |
| Equity capital to assets | 16.1355% | 849 |
| Core capital (leverage) ratio | 12.0346% | 1,886 |
| Tier 1 risk-based capital ratio | 22.5295% | 1,242 |
| Total risk-based capital ratio | 23.3939% | 1,253 |
| Memoranda: | ||
| Average total assets | $52,360,000 | 6,769 |
| Average earning assets | $44,346,000 | 6,911 |
| Average equity | $8,411,500 | 5,917 |
| Average total loans | $21,045,500 | 7,308 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5181% | 2,874 |
| Cost of funding earning assets | 2.0320% | 6,311 |
| Net interest margin | 4.4861% | 1,459 |
| Noninterest income to average assets | 1.1893% | 1,071 |
| Noninterest expense to average assets | 3.5346% | 2,301 |
| Loan and lease loss provision to assets | 0.5049% | 2,794 |
| Net operating income to assets | 0.6343% | 4,170 |
| Return on assets (ROA) | 0.6343% | 4,018 |
| Pretax return on assets | 0.9640% | 3,508 |
| Return on Equity (ROE) | 3.7411% | 4,923 |
| Retained earnings to average equity (ytd only) | 1.5875% | 4,265 |
| Net charge-offs to loans | 1.0116% | 1,220 |
| Credit loss provision to net charge-offs | 107.5556% | 4,990 |
| Earnings coverage of net charge-offs (x) | 3.1289% | 4,525 |
| Efficiency ratio | 70.6422% | 4,216 |
| Assets per employee ($millions) | 3.0959% | 5,776 |
| Cash dividends to net income (ytd only)* | 57.5658% | 2,780 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3071% | 3,728 |
| Loan loss allowance to noncurrent loans | 30.0961% | 6,702 |
| Noncurrent assets plus other real estate owned to assets | 1.8982% | 2,592 |
| Noncurrent loans to loans | 4.3432% | 1,104 |
| Net loans and leases to total assets | 40.4560% | 7,650 |
| Net loans and leases to deposits | 49.3053% | 7,660 |
| Net loans and leases to core deposits | 81.2114% | 6,520 |
| Total domestic deposits to total assets | 82.0521% | 4,181 |
| Equity capital to assets | 15.9947% | 934 |
| Core capital (leverage) ratio | 11.7427% | 2,103 |
| Tier 1 risk-based capital ratio | 21.1803% | 1,438 |
| Total risk-based capital ratio | 22.1644% | 1,437 |
| Memoranda: | ||
| Average total assets | $47,926,600 | 6,867 |
| Average earning assets | $40,748,200 | 7,010 |
| Average equity | $8,126,000 | 6,032 |
| Average total loans | $22,241,800 | 7,182 |