Home > State Bank > Performance and Condition Ratios
State Bank, Performance and Condition Ratios
2016-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0221% | 568 |
Cost of funding earning assets | 0.3590% | 3,424 |
Net interest margin | 4.6631% | 445 |
Noninterest income to average assets | 0.3101% | 4,516 |
Noninterest expense to average assets | 2.0565% | 5,085 |
Loan and lease loss provision to assets | 0.0940% | 2,480 |
Net operating income to assets | 2.5257% | 139 |
Return on assets (ROA) | 2.5257% | 141 |
Pretax return on assets | 2.6411% | 164 |
Return on Equity (ROE) | 19.5136% | 231 |
Retained earnings to average equity (ytd only) | 13.4723% | 150 |
Net charge-offs to loans | -0.0037% | 4,767 |
Credit loss provision to net charge-offs | -2,800.0000% | 5,413 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 42.9192% | 5,727 |
Assets per employee ($millions) | 6.8806% | 968 |
Cash dividends to net income (ytd only)* | 30.9593% | 3,280 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5615% | 1,463 |
Loan loss allowance to noncurrent loans | 170.6656% | 2,542 |
Noncurrent assets plus other real estate owned to assets | 0.8040% | 2,343 |
Noncurrent loans to loans | 0.9149% | 2,265 |
Net loans and leases to total assets | 86.5016% | 207 |
Net loans and leases to deposits | 100.4657% | 639 |
Net loans and leases to core deposits | 106.6869% | 1,085 |
Total domestic deposits to total assets | 86.1006% | 2,533 |
Equity capital to assets | 13.6537% | 993 |
Core capital (leverage) ratio | 13.3864% | 1,009 |
Tier 1 risk-based capital ratio | 14.2539% | 3,314 |
Total risk-based capital ratio | 15.5056% | 3,242 |
Memoranda: | ||
Average total assets | $148,991,000 | 3,536 |
Average earning assets | $143,186,800 | 3,464 |
Average equity | $19,284,000 | 3,239 |
Average total loans | $135,262,400 | 2,840 |
2016-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0484% | 545 |
Cost of funding earning assets | 0.3589% | 3,445 |
Net interest margin | 4.6895% | 439 |
Noninterest income to average assets | 0.2579% | 4,918 |
Noninterest expense to average assets | 1.8185% | 5,498 |
Loan and lease loss provision to assets | 0.1258% | 1,854 |
Net operating income to assets | 2.6981% | 121 |
Return on assets (ROA) | 2.6981% | 123 |
Pretax return on assets | 2.8212% | 139 |
Return on Equity (ROE) | 21.1421% | 190 |
Retained earnings to average equity (ytd only) | 13.9892% | 174 |
Net charge-offs to loans | -0.0039% | 4,572 |
Credit loss provision to net charge-offs | -3,500.0000% | 5,378 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 38.1599% | 5,860 |
Assets per employee ($millions) | 7.0607% | 870 |
Cash dividends to net income (ytd only)* | 33.8328% | 2,648 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5356% | 1,643 |
Loan loss allowance to noncurrent loans | 165.5502% | 2,590 |
Noncurrent assets plus other real estate owned to assets | 0.8457% | 2,434 |
Noncurrent loans to loans | 0.9276% | 2,393 |
Net loans and leases to total assets | 89.7778% | 75 |
Net loans and leases to deposits | 104.1074% | 449 |
Net loans and leases to core deposits | 108.7832% | 1,001 |
Total domestic deposits to total assets | 86.2357% | 2,247 |
Equity capital to assets | 13.5269% | 1,234 |
Core capital (leverage) ratio | 13.4977% | 1,003 |
Tier 1 risk-based capital ratio | 13.7674% | 3,691 |
Total risk-based capital ratio | 15.0194% | 3,614 |
Memoranda: | ||
Average total assets | $148,395,500 | 3,566 |
Average earning assets | $142,641,500 | 3,479 |
Average equity | $18,938,000 | 3,305 |
Average total loans | $135,823,750 | 2,839 |
2016-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0501% | 533 |
Cost of funding earning assets | 0.3579% | 3,475 |
Net interest margin | 4.6922% | 425 |
Noninterest income to average assets | 0.2344% | 5,080 |
Noninterest expense to average assets | 1.8082% | 5,583 |
Loan and lease loss provision to assets | 0.1347% | 1,694 |
Net operating income to assets | 2.6746% | 117 |
Return on assets (ROA) | 2.6746% | 117 |
Pretax return on assets | 2.7958% | 143 |
Return on Equity (ROE) | 21.3843% | 177 |
Retained earnings to average equity (ytd only) | 10.4390% | 517 |
Net charge-offs to loans | -0.0029% | 4,424 |
Credit loss provision to net charge-offs | -5,000.0000% | 5,323 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 38.1575% | 5,942 |
Assets per employee ($millions) | 6.7534% | 972 |
Cash dividends to net income (ytd only)* | 51.1839% | 1,912 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5018% | 1,850 |
Loan loss allowance to noncurrent loans | 156.5820% | 2,775 |
Noncurrent assets plus other real estate owned to assets | 0.8743% | 2,409 |
Noncurrent loans to loans | 0.9591% | 2,364 |
Net loans and leases to total assets | 89.7883% | 71 |
Net loans and leases to deposits | 103.2491% | 494 |
Net loans and leases to core deposits | 107.8353% | 1,042 |
Total domestic deposits to total assets | 86.9628% | 1,934 |
Equity capital to assets | 12.8144% | 1,606 |
Core capital (leverage) ratio | 12.7927% | 1,237 |
Tier 1 risk-based capital ratio | 13.1758% | 4,087 |
Total risk-based capital ratio | 14.4277% | 4,008 |
Memoranda: | ||
Average total assets | $148,435,670 | 3,581 |
Average earning assets | $142,491,000 | 3,506 |
Average equity | $18,565,000 | 3,366 |
Average total loans | $136,033,670 | 2,844 |
2016-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0491% | 530 |
Cost of funding earning assets | 0.3490% | 3,607 |
Net interest margin | 4.7001% | 420 |
Noninterest income to average assets | 0.2373% | 5,043 |
Noninterest expense to average assets | 1.7929% | 5,661 |
Loan and lease loss provision to assets | 0.1078% | 1,911 |
Net operating income to assets | 2.7122% | 119 |
Return on assets (ROA) | 2.7122% | 119 |
Pretax return on assets | 2.8389% | 148 |
Return on Equity (ROE) | 21.9555% | 159 |
Retained earnings to average equity (ytd only) | 11.2615% | 608 |
Net charge-offs to loans | -0.0029% | 4,174 |
Credit loss provision to net charge-offs | -4,000.0000% | 4,993 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 37.8271% | 6,002 |
Assets per employee ($millions) | 6.7665% | 979 |
Cash dividends to net income (ytd only)* | 48.7078% | 1,801 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4315% | 2,281 |
Loan loss allowance to noncurrent loans | 174.9113% | 2,470 |
Noncurrent assets plus other real estate owned to assets | 0.7577% | 2,806 |
Noncurrent loans to loans | 0.8184% | 2,794 |
Net loans and leases to total assets | 91.2638% | 43 |
Net loans and leases to deposits | 107.8768% | 286 |
Net loans and leases to core deposits | 112.7938% | 719 |
Total domestic deposits to total assets | 84.6000% | 3,278 |
Equity capital to assets | 12.4852% | 1,693 |
Core capital (leverage) ratio | 12.2857% | 1,439 |
Tier 1 risk-based capital ratio | 12.4856% | 4,579 |
Total risk-based capital ratio | 13.7364% | 4,494 |
Memoranda: | ||
Average total assets | $148,366,000 | 3,607 |
Average earning assets | $142,124,000 | 3,523 |
Average equity | $18,328,000 | 3,395 |
Average total loans | $136,332,000 | 2,848 |
2015-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7305% | 1,043 |
Cost of funding earning assets | 0.3365% | 3,830 |
Net interest margin | 4.3940% | 808 |
Noninterest income to average assets | 0.3023% | 4,717 |
Noninterest expense to average assets | 2.1220% | 5,213 |
Loan and lease loss provision to assets | 0.1616% | 1,426 |
Net operating income to assets | 2.1402% | 272 |
Return on assets (ROA) | 2.1402% | 278 |
Pretax return on assets | 2.2378% | 320 |
Return on Equity (ROE) | 18.1485% | 368 |
Retained earnings to average equity (ytd only) | 9.7165% | 504 |
Net charge-offs to loans | -0.0008% | 4,829 |
Credit loss provision to net charge-offs | -24,000.0000% | 5,782 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 46.9327% | 5,880 |
Assets per employee ($millions) | 6.4290% | 1,131 |
Cash dividends to net income (ytd only)* | 46.4612% | 2,504 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4329% | 2,282 |
Loan loss allowance to noncurrent loans | 159.9338% | 2,681 |
Noncurrent assets plus other real estate owned to assets | 0.8169% | 2,631 |
Noncurrent loans to loans | 0.8959% | 2,550 |
Net loans and leases to total assets | 89.8775% | 68 |
Net loans and leases to deposits | 103.4757% | 466 |
Net loans and leases to core deposits | 108.1235% | 964 |
Total domestic deposits to total assets | 86.8585% | 2,214 |
Equity capital to assets | 12.2204% | 1,802 |
Core capital (leverage) ratio | 12.1983% | 1,503 |
Tier 1 risk-based capital ratio | 12.3229% | 4,749 |
Total risk-based capital ratio | 13.5736% | 4,640 |
Memoranda: | ||
Average total assets | $148,537,200 | 3,591 |
Average earning assets | $142,627,000 | 3,505 |
Average equity | $17,516,600 | 3,454 |
Average total loans | $130,243,800 | 2,886 |
2015-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6696% | 1,156 |
Cost of funding earning assets | 0.3383% | 3,881 |
Net interest margin | 4.3313% | 903 |
Noninterest income to average assets | 0.2860% | 4,905 |
Noninterest expense to average assets | 1.8730% | 5,679 |
Loan and lease loss provision to assets | 0.1614% | 1,330 |
Net operating income to assets | 2.3124% | 213 |
Return on assets (ROA) | 2.3124% | 221 |
Pretax return on assets | 2.4182% | 272 |
Return on Equity (ROE) | 19.7867% | 286 |
Retained earnings to average equity (ytd only) | 14.3931% | 192 |
Net charge-offs to loans | 0.0041% | 4,038 |
Credit loss provision to net charge-offs | 4,500.0000% | 88 |
Earnings coverage of net charge-offs (x) | 719.6811% | 106 |
Efficiency ratio | 42.0660% | 6,089 |
Assets per employee ($millions) | 6.3748% | 1,138 |
Cash dividends to net income (ytd only)* | 27.2586% | 2,933 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4176% | 2,516 |
Loan loss allowance to noncurrent loans | 145.7455% | 2,873 |
Noncurrent assets plus other real estate owned to assets | 0.8737% | 2,698 |
Noncurrent loans to loans | 0.9726% | 2,548 |
Net loans and leases to total assets | 88.5548% | 110 |
Net loans and leases to deposits | 101.4122% | 584 |
Net loans and leases to core deposits | 106.2338% | 1,079 |
Total domestic deposits to total assets | 87.3216% | 1,884 |
Equity capital to assets | 12.4431% | 1,774 |
Core capital (leverage) ratio | 12.1796% | 1,577 |
Tier 1 risk-based capital ratio | 12.7952% | 4,553 |
Total risk-based capital ratio | 14.0457% | 4,462 |
Memoranda: | ||
Average total assets | $148,704,500 | 3,619 |
Average earning assets | $143,048,000 | 3,532 |
Average equity | $17,378,250 | 3,508 |
Average total loans | $129,096,750 | 2,919 |
2015-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5581% | 1,381 |
Cost of funding earning assets | 0.3382% | 3,947 |
Net interest margin | 4.2199% | 1,069 |
Noninterest income to average assets | 0.2463% | 5,190 |
Noninterest expense to average assets | 1.8300% | 5,813 |
Loan and lease loss provision to assets | 0.1606% | 1,319 |
Net operating income to assets | 2.2142% | 248 |
Return on assets (ROA) | 2.2142% | 262 |
Pretax return on assets | 2.3146% | 330 |
Return on Equity (ROE) | 19.3567% | 303 |
Retained earnings to average equity (ytd only) | 15.6586% | 162 |
Net charge-offs to loans | 0.0078% | 3,621 |
Credit loss provision to net charge-offs | 2,400.0000% | 167 |
Earnings coverage of net charge-offs (x) | 369.8000% | 185 |
Efficiency ratio | 42.5062% | 6,161 |
Assets per employee ($millions) | 6.5001% | 1,051 |
Cash dividends to net income (ytd only)* | 19.1052% | 3,220 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3601% | 2,931 |
Loan loss allowance to noncurrent loans | 105.1222% | 3,593 |
Noncurrent assets plus other real estate owned to assets | 1.1491% | 2,209 |
Noncurrent loans to loans | 1.2938% | 2,081 |
Net loans and leases to total assets | 87.6089% | 162 |
Net loans and leases to deposits | 99.6212% | 690 |
Net loans and leases to core deposits | 103.9838% | 1,191 |
Total domestic deposits to total assets | 87.9420% | 1,677 |
Equity capital to assets | 11.8433% | 2,142 |
Core capital (leverage) ratio | 11.6550% | 1,878 |
Tier 1 risk-based capital ratio | 12.2578% | 4,964 |
Total risk-based capital ratio | 13.5074% | 4,867 |
Memoranda: | ||
Average total assets | $149,399,330 | 3,636 |
Average earning assets | $143,699,670 | 3,544 |
Average equity | $17,089,670 | 3,555 |
Average total loans | $128,227,000 | 2,945 |
2015-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5055% | 1,442 |
Cost of funding earning assets | 0.3333% | 4,059 |
Net interest margin | 4.1722% | 1,126 |
Noninterest income to average assets | 0.2652% | 5,057 |
Noninterest expense to average assets | 1.8132% | 5,879 |
Loan and lease loss provision to assets | 0.1607% | 1,260 |
Net operating income to assets | 2.2150% | 227 |
Return on assets (ROA) | 2.2150% | 237 |
Pretax return on assets | 2.3141% | 317 |
Return on Equity (ROE) | 19.7122% | 276 |
Retained earnings to average equity (ytd only) | 19.7122% | 102 |
Net charge-offs to loans | -0.0095% | 4,701 |
Credit loss provision to net charge-offs | -2,000.0000% | 5,129 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 42.2861% | 6,226 |
Assets per employee ($millions) | 6.9231% | 884 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4402% | 2,738 |
Loan loss allowance to noncurrent loans | 139.4277% | 2,948 |
Noncurrent assets plus other real estate owned to assets | 0.8260% | 3,028 |
Noncurrent loans to loans | 1.0329% | 2,703 |
Net loans and leases to total assets | 78.8120% | 823 |
Net loans and leases to deposits | 89.0502% | 1,497 |
Net loans and leases to core deposits | 92.6247% | 1,894 |
Total domestic deposits to total assets | 88.5029% | 1,544 |
Equity capital to assets | 11.2896% | 2,660 |
Core capital (leverage) ratio | 11.3113% | 2,149 |
Tier 1 risk-based capital ratio | 13.5583% | 4,295 |
Total risk-based capital ratio | 14.8096% | 4,211 |
Memoranda: | ||
Average total assets | $149,348,000 | 3,665 |
Average earning assets | $144,001,000 | 3,563 |
Average equity | $16,781,500 | 3,620 |
Average total loans | $125,949,000 | 2,985 |
2014-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0872% | 3,370 |
Cost of funding earning assets | 0.3688% | 4,052 |
Net interest margin | 3.7184% | 2,939 |
Noninterest income to average assets | 0.2967% | 5,000 |
Noninterest expense to average assets | 1.9261% | 5,896 |
Loan and lease loss provision to assets | 0.1339% | 1,953 |
Net operating income to assets | 1.7359% | 536 |
Return on assets (ROA) | 1.7359% | 548 |
Pretax return on assets | 1.8149% | 772 |
Return on Equity (ROE) | 16.2925% | 585 |
Retained earnings to average equity (ytd only) | 8.6931% | 775 |
Net charge-offs to loans | -0.0063% | 5,498 |
Credit loss provision to net charge-offs | -2,857.1429% | 6,014 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 49.7062% | 6,107 |
Assets per employee ($millions) | 6.6540% | 975 |
Cash dividends to net income (ytd only)* | 46.6435% | 2,480 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2997% | 3,425 |
Loan loss allowance to noncurrent loans | 134.4197% | 3,052 |
Noncurrent assets plus other real estate owned to assets | 0.8594% | 3,057 |
Noncurrent loans to loans | 0.9669% | 2,906 |
Net loans and leases to total assets | 87.7230% | 126 |
Net loans and leases to deposits | 99.0077% | 686 |
Net loans and leases to core deposits | 103.1023% | 1,178 |
Total domestic deposits to total assets | 88.6022% | 1,470 |
Equity capital to assets | 11.1812% | 2,719 |
Core capital (leverage) ratio | 11.0350% | 2,375 |
Tier 1 risk-based capital ratio | 12.0541% | 5,322 |
Total risk-based capital ratio | 13.2994% | 5,236 |
Memoranda: | ||
Average total assets | $149,320,200 | 3,639 |
Average earning assets | $143,691,000 | 3,545 |
Average equity | $15,909,200 | 3,679 |
Average total loans | $110,988,800 | 3,197 |
2014-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9081% | 4,147 |
Cost of funding earning assets | 0.3764% | 4,062 |
Net interest margin | 3.5317% | 3,708 |
Noninterest income to average assets | 0.2763% | 5,227 |
Noninterest expense to average assets | 1.6483% | 6,247 |
Loan and lease loss provision to assets | 0.0000% | 4,401 |
Net operating income to assets | 1.9424% | 381 |
Return on assets (ROA) | 1.9424% | 393 |
Pretax return on assets | 2.0294% | 534 |
Return on Equity (ROE) | 18.4532% | 402 |
Retained earnings to average equity (ytd only) | 13.3629% | 292 |
Net charge-offs to loans | -0.0013% | 5,166 |
Credit loss provision to net charge-offs | 0.0000% | 3,801 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 44.8176% | 6,334 |
Assets per employee ($millions) | 6.7094% | 908 |
Cash dividends to net income (ytd only)* | 27.5847% | 2,909 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2821% | 3,741 |
Loan loss allowance to noncurrent loans | 117.2986% | 3,281 |
Noncurrent assets plus other real estate owned to assets | 0.8577% | 3,271 |
Noncurrent loans to loans | 1.0930% | 2,882 |
Net loans and leases to total assets | 77.4643% | 1,026 |
Net loans and leases to deposits | 87.4676% | 1,733 |
Net loans and leases to core deposits | 91.0526% | 2,110 |
Total domestic deposits to total assets | 88.5635% | 1,469 |
Equity capital to assets | 11.2245% | 2,730 |
Core capital (leverage) ratio | 11.1927% | 2,316 |
Tier 1 risk-based capital ratio | 13.5773% | 4,490 |
Total risk-based capital ratio | 14.7943% | 4,452 |
Memoranda: | ||
Average total assets | $150,053,250 | 3,658 |
Average earning assets | $144,516,250 | 3,564 |
Average equity | $15,794,500 | 3,718 |
Average total loans | $106,209,250 | 3,326 |
2014-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7780% | 4,598 |
Cost of funding earning assets | 0.3788% | 4,115 |
Net interest margin | 3.3992% | 4,175 |
Noninterest income to average assets | 0.2293% | 5,562 |
Noninterest expense to average assets | 1.6597% | 6,306 |
Loan and lease loss provision to assets | 0.0000% | 4,196 |
Net operating income to assets | 1.7618% | 521 |
Return on assets (ROA) | 1.7618% | 546 |
Pretax return on assets | 1.8413% | 774 |
Return on Equity (ROE) | 17.1079% | 542 |
Retained earnings to average equity (ytd only) | 13.1946% | 324 |
Net charge-offs to loans | 0.0019% | 4,327 |
Credit loss provision to net charge-offs | 0.0000% | 3,401 |
Earnings coverage of net charge-offs (x) | 1,389.0000% | 35 |
Efficiency ratio | 47.4063% | 6,314 |
Assets per employee ($millions) | 6.6360% | 952 |
Cash dividends to net income (ytd only)* | 22.8743% | 3,077 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4139% | 3,279 |
Loan loss allowance to noncurrent loans | 115.7689% | 3,304 |
Noncurrent assets plus other real estate owned to assets | 0.8774% | 3,350 |
Noncurrent loans to loans | 1.2213% | 2,793 |
Net loans and leases to total assets | 70.8267% | 1,942 |
Net loans and leases to deposits | 79.7326% | 2,551 |
Net loans and leases to core deposits | 83.0271% | 2,850 |
Total domestic deposits to total assets | 88.8303% | 1,457 |
Equity capital to assets | 10.9663% | 2,911 |
Core capital (leverage) ratio | 10.5610% | 2,876 |
Tier 1 risk-based capital ratio | 14.5176% | 3,920 |
Total risk-based capital ratio | 15.7690% | 3,858 |
Memoranda: | ||
Average total assets | $150,869,000 | 3,666 |
Average earning assets | $145,210,000 | 3,580 |
Average equity | $15,536,670 | 3,764 |
Average total loans | $103,003,330 | 3,394 |
2014-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6666% | 4,955 |
Cost of funding earning assets | 0.3775% | 4,226 |
Net interest margin | 3.2890% | 4,590 |
Noninterest income to average assets | 0.2348% | 5,484 |
Noninterest expense to average assets | 1.6777% | 6,368 |
Loan and lease loss provision to assets | 0.0000% | 3,817 |
Net operating income to assets | 1.6438% | 626 |
Return on assets (ROA) | 1.6438% | 652 |
Pretax return on assets | 1.7168% | 943 |
Return on Equity (ROE) | 16.4706% | 596 |
Retained earnings to average equity (ytd only) | 16.4706% | 244 |
Net charge-offs to loans | -0.0039% | 4,777 |
Credit loss provision to net charge-offs | 0.0000% | 2,688 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 49.4235% | 6,291 |
Assets per employee ($millions) | 7.0159% | 801 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4812% | 3,224 |
Loan loss allowance to noncurrent loans | 112.6707% | 3,340 |
Noncurrent assets plus other real estate owned to assets | 0.8539% | 3,594 |
Noncurrent loans to loans | 1.3146% | 2,832 |
Net loans and leases to total assets | 63.9920% | 2,894 |
Net loans and leases to deposits | 71.3483% | 3,427 |
Net loans and leases to core deposits | 72.1146% | 3,863 |
Total domestic deposits to total assets | 89.6896% | 1,248 |
Equity capital to assets | 10.1167% | 3,701 |
Core capital (leverage) ratio | 10.3273% | 3,145 |
Tier 1 risk-based capital ratio | 14.6628% | 3,912 |
Total risk-based capital ratio | 15.9145% | 3,864 |
Memoranda: | ||
Average total assets | $153,307,000 | 3,661 |
Average earning assets | $147,277,000 | 3,560 |
Average equity | $15,300,000 | 3,806 |
Average total loans | $102,062,500 | 3,425 |
2013-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6472% | 5,288 |
Cost of funding earning assets | 0.4227% | 4,406 |
Net interest margin | 3.2244% | 4,915 |
Noninterest income to average assets | 0.3250% | 5,009 |
Noninterest expense to average assets | 1.9025% | 6,189 |
Loan and lease loss provision to assets | 0.0000% | 5,091 |
Net operating income to assets | 1.4497% | 915 |
Return on assets (ROA) | 1.4497% | 958 |
Pretax return on assets | 1.5156% | 1,394 |
Return on Equity (ROE) | 14.8321% | 798 |
Retained earnings to average equity (ytd only) | 7.5421% | 1,216 |
Net charge-offs to loans | -0.0043% | 5,910 |
Credit loss provision to net charge-offs | 0.0000% | 4,707 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 55.6595% | 5,983 |
Assets per employee ($millions) | 6.6202% | 936 |
Cash dividends to net income (ytd only)* | 49.1502% | 2,312 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4287% | 3,515 |
Loan loss allowance to noncurrent loans | 110.7463% | 3,346 |
Noncurrent assets plus other real estate owned to assets | 0.8800% | 3,692 |
Noncurrent loans to loans | 1.2901% | 2,977 |
Net loans and leases to total assets | 67.2413% | 2,481 |
Net loans and leases to deposits | 74.7609% | 3,141 |
Net loans and leases to core deposits | 75.4456% | 3,672 |
Total domestic deposits to total assets | 89.9419% | 1,104 |
Equity capital to assets | 9.8414% | 3,973 |
Core capital (leverage) ratio | 9.9526% | 3,640 |
Tier 1 risk-based capital ratio | 13.5851% | 4,589 |
Total risk-based capital ratio | 14.8361% | 4,537 |
Memoranda: | ||
Average total assets | $150,167,800 | 3,700 |
Average earning assets | $144,057,600 | 3,601 |
Average equity | $14,677,600 | 3,927 |
Average total loans | $92,874,000 | 3,625 |
2013-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.5850% | 5,483 |
Cost of funding earning assets | 0.4264% | 4,533 |
Net interest margin | 3.1586% | 5,117 |
Noninterest income to average assets | 0.2611% | 5,579 |
Noninterest expense to average assets | 1.6554% | 6,514 |
Loan and lease loss provision to assets | 0.0000% | 4,941 |
Net operating income to assets | 1.5637% | 805 |
Return on assets (ROA) | 1.5637% | 854 |
Pretax return on assets | 1.6350% | 1,253 |
Return on Equity (ROE) | 16.0262% | 647 |
Retained earnings to average equity (ytd only) | 13.2958% | 309 |
Net charge-offs to loans | 0.0104% | 4,939 |
Credit loss provision to net charge-offs | 0.0000% | 4,342 |
Earnings coverage of net charge-offs (x) | 262.2304% | 223 |
Efficiency ratio | 50.3114% | 6,380 |
Assets per employee ($millions) | 6.2276% | 1,098 |
Cash dividends to net income (ytd only)* | 17.0372% | 3,208 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5707% | 3,140 |
Loan loss allowance to noncurrent loans | 109.2730% | 3,249 |
Noncurrent assets plus other real estate owned to assets | 0.9019% | 3,879 |
Noncurrent loans to loans | 1.4375% | 3,006 |
Net loans and leases to total assets | 61.7571% | 3,408 |
Net loans and leases to deposits | 68.9737% | 3,939 |
Net loans and leases to core deposits | 69.8247% | 4,344 |
Total domestic deposits to total assets | 89.5372% | 1,274 |
Equity capital to assets | 10.2594% | 3,565 |
Core capital (leverage) ratio | 10.2670% | 3,289 |
Tier 1 risk-based capital ratio | 15.2309% | 3,601 |
Total risk-based capital ratio | 16.4834% | 3,555 |
Memoranda: | ||
Average total assets | $149,643,500 | 3,751 |
Average earning assets | $143,518,250 | 3,645 |
Average equity | $14,600,750 | 3,988 |
Average total loans | $90,125,250 | 3,713 |
2013-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.5049% | 5,685 |
Cost of funding earning assets | 0.4254% | 4,702 |
Net interest margin | 3.0795% | 5,334 |
Noninterest income to average assets | 0.2538% | 5,633 |
Noninterest expense to average assets | 1.5978% | 6,590 |
Loan and lease loss provision to assets | 0.0000% | 4,788 |
Net operating income to assets | 1.5364% | 838 |
Return on assets (ROA) | 1.5364% | 906 |
Pretax return on assets | 1.6058% | 1,358 |
Return on Equity (ROE) | 16.0208% | 666 |
Retained earnings to average equity (ytd only) | 11.8554% | 522 |
Net charge-offs to loans | 0.0180% | 4,483 |
Credit loss provision to net charge-offs | 0.0000% | 4,003 |
Earnings coverage of net charge-offs (x) | 150.2500% | 327 |
Efficiency ratio | 49.8749% | 6,439 |
Assets per employee ($millions) | 6.2333% | 1,058 |
Cash dividends to net income (ytd only)* | 26.0000% | 2,790 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6269% | 3,066 |
Loan loss allowance to noncurrent loans | 85.3828% | 3,861 |
Noncurrent assets plus other real estate owned to assets | 1.1524% | 3,443 |
Noncurrent loans to loans | 1.9055% | 2,500 |
Net loans and leases to total assets | 59.4957% | 3,748 |
Net loans and leases to deposits | 66.1428% | 4,249 |
Net loans and leases to core deposits | 66.9523% | 4,598 |
Total domestic deposits to total assets | 89.9505% | 1,054 |
Equity capital to assets | 9.8457% | 4,130 |
Core capital (leverage) ratio | 9.8566% | 3,707 |
Tier 1 risk-based capital ratio | 15.3897% | 3,538 |
Total risk-based capital ratio | 16.6435% | 3,500 |
Memoranda: | ||
Average total assets | $149,703,670 | 3,781 |
Average earning assets | $143,400,670 | 3,671 |
Average equity | $14,356,330 | 4,078 |
Average total loans | $88,908,000 | 3,750 |
2013-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.4888% | 5,731 |
Cost of funding earning assets | 0.4288% | 4,821 |
Net interest margin | 3.0600% | 5,399 |
Noninterest income to average assets | 0.2724% | 5,501 |
Noninterest expense to average assets | 1.5786% | 6,680 |
Loan and lease loss provision to assets | 0.0000% | 4,409 |
Net operating income to assets | 1.5599% | 756 |
Return on assets (ROA) | 1.5599% | 825 |
Pretax return on assets | 1.6293% | 1,240 |
Return on Equity (ROE) | 16.4855% | 552 |
Retained earnings to average equity (ytd only) | 16.4855% | 248 |
Net charge-offs to loans | 0.0590% | 3,229 |
Credit loss provision to net charge-offs | 0.0000% | 3,239 |
Earnings coverage of net charge-offs (x) | 46.9231% | 703 |
Efficiency ratio | 49.2090% | 6,554 |
Assets per employee ($millions) | 6.3047% | 1,071 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8024% | 2,611 |
Loan loss allowance to noncurrent loans | 85.1916% | 3,780 |
Noncurrent assets plus other real estate owned to assets | 1.1380% | 3,667 |
Noncurrent loans to loans | 2.1157% | 2,481 |
Net loans and leases to total assets | 52.8203% | 4,581 |
Net loans and leases to deposits | 58.5301% | 4,971 |
Net loans and leases to core deposits | 59.2359% | 5,225 |
Total domestic deposits to total assets | 90.2447% | 908 |
Equity capital to assets | 9.5577% | 4,775 |
Core capital (leverage) ratio | 9.4464% | 4,173 |
Tier 1 risk-based capital ratio | 16.9535% | 2,770 |
Total risk-based capital ratio | 18.2090% | 2,743 |
Memoranda: | ||
Average total assets | $149,756,000 | 3,813 |
Average earning assets | $143,661,500 | 3,699 |
Average equity | $14,170,000 | 4,165 |
Average total loans | $88,123,500 | 3,787 |
2012-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1239% | 4,865 |
Cost of funding earning assets | 0.5551% | 4,768 |
Net interest margin | 3.5688% | 4,229 |
Noninterest income to average assets | 0.3834% | 4,726 |
Noninterest expense to average assets | 2.0454% | 6,245 |
Loan and lease loss provision to assets | 0.0000% | 5,905 |
Net operating income to assets | 1.6649% | 668 |
Return on assets (ROA) | 1.6649% | 746 |
Pretax return on assets | 1.7407% | 1,043 |
Return on Equity (ROE) | 17.0200% | 536 |
Retained earnings to average equity (ytd only) | 8.6207% | 936 |
Net charge-offs to loans | -0.0044% | 6,374 |
Credit loss provision to net charge-offs | 0.0000% | 5,483 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 54.0236% | 6,267 |
Assets per employee ($millions) | 5.9280% | 1,336 |
Cash dividends to net income (ytd only)* | 49.3495% | 2,350 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5603% | 3,473 |
Loan loss allowance to noncurrent loans | 86.1467% | 3,724 |
Noncurrent assets plus other real estate owned to assets | 1.1593% | 3,724 |
Noncurrent loans to loans | 1.8112% | 2,902 |
Net loans and leases to total assets | 63.0072% | 3,054 |
Net loans and leases to deposits | 69.6950% | 3,752 |
Net loans and leases to core deposits | 70.5491% | 4,228 |
Total domestic deposits to total assets | 90.4041% | 748 |
Equity capital to assets | 9.3644% | 5,049 |
Core capital (leverage) ratio | 9.7655% | 3,704 |
Tier 1 risk-based capital ratio | 13.8675% | 4,478 |
Total risk-based capital ratio | 15.1205% | 4,436 |
Memoranda: | ||
Average total assets | $138,509,200 | 3,975 |
Average earning assets | $132,059,800 | 3,851 |
Average equity | $13,548,800 | 4,245 |
Average total loans | $91,019,600 | 3,722 |
2012-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1327% | 5,071 |
Cost of funding earning assets | 0.5891% | 4,755 |
Net interest margin | 3.5436% | 4,473 |
Noninterest income to average assets | 0.3341% | 5,130 |
Noninterest expense to average assets | 1.8694% | 6,579 |
Loan and lease loss provision to assets | 0.0000% | 5,790 |
Net operating income to assets | 1.7733% | 604 |
Return on assets (ROA) | 1.7733% | 671 |
Pretax return on assets | 1.8537% | 954 |
Return on Equity (ROE) | 17.9205% | 510 |
Retained earnings to average equity (ytd only) | 14.9602% | 239 |
Net charge-offs to loans | 0.0000% | 5,771 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 50.2105% | 6,575 |
Assets per employee ($millions) | 5.4876% | 1,648 |
Cash dividends to net income (ytd only)* | 16.5195% | 3,196 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5844% | 3,584 |
Loan loss allowance to noncurrent loans | 83.5787% | 3,718 |
Noncurrent assets plus other real estate owned to assets | 1.2378% | 3,818 |
Noncurrent loans to loans | 1.8957% | 2,969 |
Net loans and leases to total assets | 64.2577% | 2,988 |
Net loans and leases to deposits | 71.5548% | 3,669 |
Net loans and leases to core deposits | 72.8749% | 4,142 |
Total domestic deposits to total assets | 89.8021% | 945 |
Equity capital to assets | 9.9673% | 4,535 |
Core capital (leverage) ratio | 10.2046% | 3,278 |
Tier 1 risk-based capital ratio | 14.5354% | 4,162 |
Total risk-based capital ratio | 15.7885% | 4,130 |
Memoranda: | ||
Average total assets | $136,086,750 | 4,060 |
Average earning assets | $130,145,000 | 3,935 |
Average equity | $13,466,500 | 4,303 |
Average total loans | $90,060,500 | 3,786 |
2012-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1481% | 5,137 |
Cost of funding earning assets | 0.6172% | 4,743 |
Net interest margin | 3.5309% | 4,552 |
Noninterest income to average assets | 0.2793% | 5,577 |
Noninterest expense to average assets | 1.7626% | 6,788 |
Loan and lease loss provision to assets | 0.0000% | 5,619 |
Net operating income to assets | 1.8015% | 564 |
Return on assets (ROA) | 1.8015% | 629 |
Pretax return on assets | 1.8836% | 872 |
Return on Equity (ROE) | 18.2520% | 479 |
Retained earnings to average equity (ytd only) | 13.7268% | 368 |
Net charge-offs to loans | -0.0067% | 6,215 |
Credit loss provision to net charge-offs | 0.0000% | 4,809 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 48.3408% | 6,753 |
Assets per employee ($millions) | 5.2428% | 1,874 |
Cash dividends to net income (ytd only)* | 24.7927% | 2,823 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6674% | 3,364 |
Loan loss allowance to noncurrent loans | 81.1300% | 3,754 |
Noncurrent assets plus other real estate owned to assets | 1.3374% | 3,766 |
Noncurrent loans to loans | 2.0552% | 2,883 |
Net loans and leases to total assets | 63.9873% | 3,035 |
Net loans and leases to deposits | 71.2932% | 3,726 |
Net loans and leases to core deposits | 72.6689% | 4,218 |
Total domestic deposits to total assets | 89.7523% | 1,072 |
Equity capital to assets | 9.9895% | 4,352 |
Core capital (leverage) ratio | 9.8389% | 3,660 |
Tier 1 risk-based capital ratio | 14.6549% | 3,994 |
Total risk-based capital ratio | 15.9087% | 3,957 |
Memoranda: | ||
Average total assets | $133,890,000 | 4,118 |
Average earning assets | $127,672,670 | 4,001 |
Average equity | $13,215,000 | 4,356 |
Average total loans | $89,028,330 | 3,831 |
2012-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1903% | 5,140 |
Cost of funding earning assets | 0.6281% | 4,911 |
Net interest margin | 3.5622% | 4,432 |
Noninterest income to average assets | 0.2955% | 5,505 |
Noninterest expense to average assets | 1.7637% | 6,837 |
Loan and lease loss provision to assets | 0.0000% | 5,254 |
Net operating income to assets | 1.8330% | 561 |
Return on assets (ROA) | 1.8330% | 634 |
Pretax return on assets | 1.9174% | 845 |
Return on Equity (ROE) | 18.6876% | 481 |
Retained earnings to average equity (ytd only) | 18.6876% | 224 |
Net charge-offs to loans | 0.0045% | 4,691 |
Credit loss provision to net charge-offs | 0.0000% | 3,998 |
Earnings coverage of net charge-offs (x) | 636.0000% | 34 |
Efficiency ratio | 47.9115% | 6,812 |
Assets per employee ($millions) | 5.7706% | 1,455 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7406% | 3,190 |
Loan loss allowance to noncurrent loans | 78.1250% | 3,737 |
Noncurrent assets plus other real estate owned to assets | 1.3632% | 3,841 |
Noncurrent loans to loans | 2.2280% | 2,888 |
Net loans and leases to total assets | 60.1217% | 3,640 |
Net loans and leases to deposits | 66.7038% | 4,275 |
Net loans and leases to core deposits | 67.9642% | 4,679 |
Total domestic deposits to total assets | 90.1324% | 1,013 |
Equity capital to assets | 9.6163% | 4,630 |
Core capital (leverage) ratio | 10.0421% | 3,316 |
Tier 1 risk-based capital ratio | 15.0823% | 3,703 |
Total risk-based capital ratio | 16.3371% | 3,658 |
Memoranda: | ||
Average total assets | $132,678,500 | 4,171 |
Average earning assets | $126,101,500 | 4,057 |
Average equity | $13,014,000 | 4,406 |
Average total loans | $89,191,500 | 3,850 |
2011-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6151% | 4,611 |
Cost of funding earning assets | 0.8550% | 4,438 |
Net interest margin | 3.7601% | 4,029 |
Noninterest income to average assets | 0.4691% | 4,064 |
Noninterest expense to average assets | 2.1807% | 6,310 |
Loan and lease loss provision to assets | 0.0000% | 6,496 |
Net operating income to assets | 1.7812% | 474 |
Return on assets (ROA) | 1.7812% | 517 |
Pretax return on assets | 1.8621% | 714 |
Return on Equity (ROE) | 17.6952% | 407 |
Retained earnings to average equity (ytd only) | 8.1040% | 1,043 |
Net charge-offs to loans | -0.0080% | 6,869 |
Credit loss provision to net charge-offs | 0.0000% | 6,066 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 53.9406% | 6,518 |
Assets per employee ($millions) | 5.2860% | 1,846 |
Cash dividends to net income (ytd only)* | 54.2022% | 1,838 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5762% | 3,672 |
Loan loss allowance to noncurrent loans | 76.3580% | 3,801 |
Noncurrent assets plus other real estate owned to assets | 1.5237% | 3,671 |
Noncurrent loans to loans | 2.0642% | 3,119 |
Net loans and leases to total assets | 72.6508% | 1,524 |
Net loans and leases to deposits | 81.0309% | 2,353 |
Net loans and leases to core deposits | 82.7872% | 3,063 |
Total domestic deposits to total assets | 89.6581% | 1,175 |
Equity capital to assets | 10.0187% | 4,149 |
Core capital (leverage) ratio | 10.1695% | 3,137 |
Tier 1 risk-based capital ratio | 12.8736% | 5,176 |
Total risk-based capital ratio | 14.1265% | 5,148 |
Memoranda: | ||
Average total assets | $124,915,000 | 4,275 |
Average earning assets | $118,718,800 | 4,166 |
Average equity | $12,574,000 | 4,424 |
Average total loans | $87,843,800 | 3,913 |
2011-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5697% | 5,003 |
Cost of funding earning assets | 0.9052% | 4,362 |
Net interest margin | 3.6645% | 4,503 |
Noninterest income to average assets | 0.4865% | 3,982 |
Noninterest expense to average assets | 1.9888% | 6,712 |
Loan and lease loss provision to assets | 0.0000% | 6,393 |
Net operating income to assets | 1.9116% | 417 |
Return on assets (ROA) | 1.9116% | 450 |
Pretax return on assets | 1.9984% | 625 |
Return on Equity (ROE) | 18.9682% | 390 |
Retained earnings to average equity (ytd only) | 18.9682% | 94 |
Net charge-offs to loans | -0.0093% | 6,772 |
Credit loss provision to net charge-offs | 0.0000% | 5,735 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 49.8791% | 6,837 |
Assets per employee ($millions) | 5.1393% | 2,008 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6214% | 3,567 |
Loan loss allowance to noncurrent loans | 124.3676% | 2,425 |
Noncurrent assets plus other real estate owned to assets | 0.9615% | 4,817 |
Noncurrent loans to loans | 1.3037% | 4,358 |
Net loans and leases to total assets | 72.5594% | 1,594 |
Net loans and leases to deposits | 81.7548% | 2,405 |
Net loans and leases to core deposits | 84.4319% | 2,996 |
Total domestic deposits to total assets | 88.7525% | 1,582 |
Equity capital to assets | 10.9248% | 3,216 |
Core capital (leverage) ratio | 10.6069% | 2,752 |
Tier 1 risk-based capital ratio | 14.0766% | 4,300 |
Total risk-based capital ratio | 15.3302% | 4,272 |
Memoranda: | ||
Average total assets | $124,428,000 | 4,305 |
Average earning assets | $118,867,000 | 4,183 |
Average equity | $12,540,000 | 4,444 |
Average total loans | $86,394,000 | 3,996 |
2011-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4860% | 5,398 |
Cost of funding earning assets | 0.9464% | 4,346 |
Net interest margin | 3.5395% | 4,975 |
Noninterest income to average assets | 0.4039% | 4,652 |
Noninterest expense to average assets | 2.0130% | 6,762 |
Loan and lease loss provision to assets | 0.0000% | 6,217 |
Net operating income to assets | 1.7005% | 601 |
Return on assets (ROA) | 1.7005% | 651 |
Pretax return on assets | 1.7774% | 919 |
Return on Equity (ROE) | 17.3531% | 521 |
Retained earnings to average equity (ytd only) | 17.3531% | 153 |
Net charge-offs to loans | -0.0118% | 6,721 |
Credit loss provision to net charge-offs | 0.0000% | 5,336 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 53.1078% | 6,703 |
Assets per employee ($millions) | 5.3044% | 1,754 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7448% | 3,173 |
Loan loss allowance to noncurrent loans | 11,338.4615% | 55 |
Noncurrent assets plus other real estate owned to assets | 0.0102% | 7,103 |
Noncurrent loans to loans | 0.0154% | 6,965 |
Net loans and leases to total assets | 65.2035% | 3,206 |
Net loans and leases to deposits | 72.7387% | 3,989 |
Net loans and leases to core deposits | 76.8180% | 4,209 |
Total domestic deposits to total assets | 89.6407% | 1,164 |
Equity capital to assets | 10.0168% | 4,125 |
Core capital (leverage) ratio | 9.9290% | 3,350 |
Tier 1 risk-based capital ratio | 14.3952% | 3,873 |
Total risk-based capital ratio | 15.6505% | 3,838 |
Memoranda: | ||
Average total assets | $124,789,670 | 4,329 |
Average earning assets | $119,394,330 | 4,197 |
Average equity | $12,228,330 | 4,500 |
Average total loans | $84,868,000 | 4,073 |
2011-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6047% | 4,922 |
Cost of funding earning assets | 1.0327% | 3,972 |
Net interest margin | 3.5719% | 4,707 |
Noninterest income to average assets | 0.3562% | 5,053 |
Noninterest expense to average assets | 1.8845% | 7,016 |
Loan and lease loss provision to assets | 0.0000% | 5,840 |
Net operating income to assets | 1.7842% | 502 |
Return on assets (ROA) | 1.7842% | 534 |
Pretax return on assets | 1.8651% | 719 |
Return on Equity (ROE) | 18.4181% | 444 |
Retained earnings to average equity (ytd only) | 18.4181% | 220 |
Net charge-offs to loans | -0.0141% | 6,456 |
Credit loss provision to net charge-offs | 0.0000% | 4,480 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 50.2591% | 6,969 |
Assets per employee ($millions) | 5.3807% | 1,685 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7874% | 3,049 |
Loan loss allowance to noncurrent loans | 7,009.5238% | 79 |
Noncurrent assets plus other real estate owned to assets | 0.0163% | 7,149 |
Noncurrent loans to loans | 0.0255% | 6,996 |
Net loans and leases to total assets | 62.6343% | 3,730 |
Net loans and leases to deposits | 69.4558% | 4,440 |
Net loans and leases to core deposits | 73.5189% | 4,586 |
Total domestic deposits to total assets | 90.1786% | 1,036 |
Equity capital to assets | 9.4799% | 4,466 |
Core capital (leverage) ratio | 9.6929% | 3,537 |
Tier 1 risk-based capital ratio | 14.1688% | 3,958 |
Total risk-based capital ratio | 15.4246% | 3,926 |
Memoranda: | ||
Average total assets | $123,531,500 | 4,382 |
Average earning assets | $117,359,000 | 4,269 |
Average equity | $11,966,500 | 4,557 |
Average total loans | $85,061,000 | 4,105 |
2010-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.4524% | 2,470 |
Cost of funding earning assets | 1.1619% | 4,781 |
Net interest margin | 4.2904% | 1,853 |
Noninterest income to average assets | 0.4850% | 4,285 |
Noninterest expense to average assets | 2.4434% | 5,964 |
Loan and lease loss provision to assets | 0.0513% | 6,642 |
Net operating income to assets | 1.9505% | 307 |
Return on assets (ROA) | 1.9505% | 322 |
Pretax return on assets | 2.0390% | 448 |
Return on Equity (ROE) | 19.2180% | 301 |
Retained earnings to average equity (ytd only) | 8.7806% | 759 |
Net charge-offs to loans | 0.0697% | 6,104 |
Credit loss provision to net charge-offs | 100.0000% | 4,560 |
Earnings coverage of net charge-offs (x) | 40.7241% | 576 |
Efficiency ratio | 53.8942% | 6,814 |
Assets per employee ($millions) | 4.9136% | 2,269 |
Cash dividends to net income (ytd only)* | 54.3103% | 1,879 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6738% | 3,317 |
Loan loss allowance to noncurrent loans | 12,241.6667% | 46 |
Noncurrent assets plus other real estate owned to assets | 0.0102% | 7,228 |
Noncurrent loans to loans | 0.0137% | 7,121 |
Net loans and leases to total assets | 73.1789% | 1,829 |
Net loans and leases to deposits | 81.6271% | 2,878 |
Net loans and leases to core deposits | 84.1347% | 3,576 |
Total domestic deposits to total assets | 89.6503% | 1,293 |
Equity capital to assets | 9.9138% | 3,864 |
Core capital (leverage) ratio | 9.8606% | 3,253 |
Tier 1 risk-based capital ratio | 12.5794% | 4,953 |
Total risk-based capital ratio | 13.8329% | 4,940 |
Memoranda: | ||
Average total assets | $112,997,600 | 4,638 |
Average earning assets | $106,632,800 | 4,544 |
Average equity | $11,468,400 | 4,742 |
Average total loans | $83,205,200 | 4,235 |
2010-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.4621% | 2,590 |
Cost of funding earning assets | 1.1837% | 4,959 |
Net interest margin | 4.2783% | 1,917 |
Noninterest income to average assets | 0.5070% | 4,125 |
Noninterest expense to average assets | 2.2189% | 6,554 |
Loan and lease loss provision to assets | 0.0000% | 6,977 |
Net operating income to assets | 2.2427% | 219 |
Return on assets (ROA) | 2.2427% | 236 |
Pretax return on assets | 2.3453% | 304 |
Return on Equity (ROE) | 21.9632% | 200 |
Retained earnings to average equity (ytd only) | 14.9770% | 212 |
Net charge-offs to loans | -0.0114% | 7,282 |
Credit loss provision to net charge-offs | 0.0000% | 6,367 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 48.6147% | 7,233 |
Assets per employee ($millions) | 4.7434% | 2,534 |
Cash dividends to net income (ytd only)* | 31.8084% | 2,458 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8329% | 2,682 |
Loan loss allowance to noncurrent loans | 140.3042% | 2,013 |
Noncurrent assets plus other real estate owned to assets | 0.9241% | 5,258 |
Noncurrent loans to loans | 1.3064% | 4,681 |
Net loans and leases to total assets | 69.4390% | 2,872 |
Net loans and leases to deposits | 78.0394% | 3,819 |
Net loans and leases to core deposits | 81.6295% | 4,295 |
Total domestic deposits to total assets | 88.9794% | 1,396 |
Equity capital to assets | 10.5112% | 3,499 |
Core capital (leverage) ratio | 10.3703% | 2,839 |
Tier 1 risk-based capital ratio | 14.0129% | 3,822 |
Total risk-based capital ratio | 15.2682% | 3,790 |
Memoranda: | ||
Average total assets | $111,765,500 | 4,720 |
Average earning assets | $105,988,750 | 4,612 |
Average equity | $11,412,750 | 4,835 |
Average total loans | $82,065,000 | 4,348 |
2010-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.5357% | 2,383 |
Cost of funding earning assets | 1.1851% | 5,208 |
Net interest margin | 4.3506% | 1,585 |
Noninterest income to average assets | 0.5168% | 3,977 |
Noninterest expense to average assets | 2.1265% | 6,827 |
Loan and lease loss provision to assets | 0.0000% | 6,857 |
Net operating income to assets | 2.3966% | 165 |
Return on assets (ROA) | 2.3966% | 177 |
Pretax return on assets | 2.5082% | 229 |
Return on Equity (ROE) | 23.7079% | 157 |
Retained earnings to average equity (ytd only) | 18.3821% | 118 |
Net charge-offs to loans | -0.0097% | 7,187 |
Credit loss provision to net charge-offs | 0.0000% | 6,004 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 45.8819% | 7,445 |
Assets per employee ($millions) | 4.5212% | 2,842 |
Cash dividends to net income (ytd only)* | 22.4643% | 2,819 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8407% | 2,597 |
Loan loss allowance to noncurrent loans | 216.9367% | 1,292 |
Noncurrent assets plus other real estate owned to assets | 0.6007% | 5,991 |
Noncurrent loans to loans | 0.8485% | 5,568 |
Net loans and leases to total assets | 69.4975% | 3,018 |
Net loans and leases to deposits | 77.9543% | 3,973 |
Net loans and leases to core deposits | 81.5508% | 4,487 |
Total domestic deposits to total assets | 89.1516% | 1,351 |
Equity capital to assets | 10.3654% | 3,564 |
Core capital (leverage) ratio | 10.4578% | 2,661 |
Tier 1 risk-based capital ratio | 13.7923% | 3,888 |
Total risk-based capital ratio | 15.0484% | 3,843 |
Memoranda: | ||
Average total assets | $111,073,670 | 4,772 |
Average earning assets | $105,135,000 | 4,663 |
Average equity | $11,228,330 | 4,874 |
Average total loans | $82,578,000 | 4,363 |
2010-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.6293% | 2,033 |
Cost of funding earning assets | 1.1969% | 5,425 |
Net interest margin | 4.4324% | 1,288 |
Noninterest income to average assets | 0.3561% | 5,289 |
Noninterest expense to average assets | 2.2453% | 6,563 |
Loan and lease loss provision to assets | 0.0000% | 6,552 |
Net operating income to assets | 2.1836% | 259 |
Return on assets (ROA) | 2.1836% | 284 |
Pretax return on assets | 2.2817% | 359 |
Return on Equity (ROE) | 21.8854% | 279 |
Retained earnings to average equity (ytd only) | 21.8854% | 153 |
Net charge-offs to loans | -0.0095% | 6,885 |
Credit loss provision to net charge-offs | 0.0000% | 5,126 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 49.5987% | 7,342 |
Assets per employee ($millions) | 4.4237% | 3,086 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7745% | 2,812 |
Loan loss allowance to noncurrent loans | 1,471.0000% | 238 |
Noncurrent assets plus other real estate owned to assets | 0.0904% | 7,261 |
Noncurrent loans to loans | 0.1206% | 7,106 |
Net loans and leases to total assets | 73.6283% | 2,050 |
Net loans and leases to deposits | 82.3793% | 3,218 |
Net loans and leases to core deposits | 86.2181% | 3,862 |
Total domestic deposits to total assets | 89.3772% | 1,315 |
Equity capital to assets | 10.2042% | 3,600 |
Core capital (leverage) ratio | 10.1873% | 2,942 |
Tier 1 risk-based capital ratio | 12.9498% | 4,374 |
Total risk-based capital ratio | 14.2052% | 4,343 |
Memoranda: | ||
Average total assets | $110,095,500 | 4,869 |
Average earning assets | $103,600,500 | 4,765 |
Average equity | $10,984,500 | 4,979 |
Average total loans | $83,854,000 | 4,389 |
2009-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.6506% | 3,348 |
Cost of funding earning assets | 1.4653% | 5,661 |
Net interest margin | 4.1853% | 2,122 |
Noninterest income to average assets | 0.5462% | 4,055 |
Noninterest expense to average assets | 2.5474% | 5,962 |
Loan and lease loss provision to assets | 0.0155% | 7,342 |
Net operating income to assets | 1.8743% | 311 |
Return on assets (ROA) | 1.8743% | 316 |
Pretax return on assets | 1.9592% | 440 |
Return on Equity (ROE) | 18.9589% | 307 |
Retained earnings to average equity (ytd only) | 4.2778% | 2,230 |
Net charge-offs to loans | 0.0208% | 6,939 |
Credit loss provision to net charge-offs | 100.0000% | 5,513 |
Earnings coverage of net charge-offs (x) | 127.1765% | 224 |
Efficiency ratio | 56.3321% | 6,972 |
Assets per employee ($millions) | 4.3840% | 3,143 |
Cash dividends to net income (ytd only)* | 77.4366% | 1,272 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7321% | 2,780 |
Loan loss allowance to noncurrent loans | 73,450.0000% | 7 |
Noncurrent assets plus other real estate owned to assets | 0.0018% | 7,541 |
Noncurrent loans to loans | 0.0024% | 7,452 |
Net loans and leases to total assets | 76.0418% | 1,788 |
Net loans and leases to deposits | 84.7177% | 3,139 |
Net loans and leases to core deposits | 106.8488% | 3,233 |
Total domestic deposits to total assets | 89.7590% | 1,077 |
Equity capital to assets | 9.7483% | 4,072 |
Core capital (leverage) ratio | 9.6598% | 3,513 |
Tier 1 risk-based capital ratio | 11.8356% | 5,085 |
Total risk-based capital ratio | 13.0907% | 5,044 |
Memoranda: | ||
Average total assets | $109,482,200 | 4,834 |
Average earning assets | $104,006,000 | 4,726 |
Average equity | $10,823,400 | 5,071 |
Average total loans | $81,814,600 | 4,451 |
2009-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.5320% | 4,263 |
Cost of funding earning assets | 1.5163% | 5,758 |
Net interest margin | 4.0158% | 2,743 |
Noninterest income to average assets | 0.2607% | 6,366 |
Noninterest expense to average assets | 2.2524% | 6,832 |
Loan and lease loss provision to assets | 0.0000% | 7,284 |
Net operating income to assets | 1.7639% | 489 |
Return on assets (ROA) | 1.7639% | 517 |
Pretax return on assets | 1.8443% | 736 |
Return on Equity (ROE) | 17.7802% | 479 |
Retained earnings to average equity (ytd only) | 14.1087% | 187 |
Net charge-offs to loans | 0.0345% | 6,411 |
Credit loss provision to net charge-offs | 0.0000% | 6,657 |
Earnings coverage of net charge-offs (x) | 72.0936% | 465 |
Efficiency ratio | 54.9807% | 7,119 |
Assets per employee ($millions) | 4.3701% | 3,086 |
Cash dividends to net income (ytd only)* | 20.6493% | 3,216 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7006% | 2,630 |
Loan loss allowance to noncurrent loans | 72,400.0000% | 4 |
Noncurrent assets plus other real estate owned to assets | 0.0018% | 7,614 |
Noncurrent loans to loans | 0.0023% | 7,537 |
Net loans and leases to total assets | 76.6103% | 1,870 |
Net loans and leases to deposits | 86.0013% | 3,314 |
Net loans and leases to core deposits | 111.3374% | 3,087 |
Total domestic deposits to total assets | 89.0804% | 1,161 |
Equity capital to assets | 10.4070% | 3,606 |
Core capital (leverage) ratio | 10.3427% | 2,933 |
Tier 1 risk-based capital ratio | 12.5716% | 4,491 |
Total risk-based capital ratio | 13.8254% | 4,442 |
Memoranda: | ||
Average total assets | $109,453,000 | 4,864 |
Average earning assets | $104,552,000 | 4,754 |
Average equity | $10,858,250 | 5,097 |
Average total loans | $81,065,750 | 4,519 |
2009-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.4105% | 5,091 |
Cost of funding earning assets | 1.5899% | 5,780 |
Net interest margin | 3.8207% | 3,457 |
Noninterest income to average assets | 0.2557% | 6,445 |
Noninterest expense to average assets | 2.1713% | 7,118 |
Loan and lease loss provision to assets | 0.0000% | 7,158 |
Net operating income to assets | 1.6563% | 614 |
Return on assets (ROA) | 1.6563% | 672 |
Pretax return on assets | 1.7312% | 966 |
Return on Equity (ROE) | 16.9728% | 582 |
Retained earnings to average equity (ytd only) | 16.9728% | 131 |
Net charge-offs to loans | -0.0376% | 7,808 |
Credit loss provision to net charge-offs | 0.0000% | 6,237 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 55.6387% | 7,152 |
Assets per employee ($millions) | 4.3351% | 3,047 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8268% | 1,971 |
Loan loss allowance to noncurrent loans | 824.4444% | 414 |
Noncurrent assets plus other real estate owned to assets | 0.1661% | 7,134 |
Noncurrent loans to loans | 0.2216% | 6,954 |
Net loans and leases to total assets | 73.5876% | 2,816 |
Net loans and leases to deposits | 82.5735% | 4,124 |
Net loans and leases to core deposits | 106.9305% | 3,727 |
Total domestic deposits to total assets | 89.1176% | 1,205 |
Equity capital to assets | 10.2679% | 3,644 |
Core capital (leverage) ratio | 10.0408% | 3,251 |
Tier 1 risk-based capital ratio | 12.6354% | 4,409 |
Total risk-based capital ratio | 13.8912% | 4,322 |
Memoranda: | ||
Average total assets | $109,519,670 | 4,898 |
Average earning assets | $104,536,670 | 4,771 |
Average equity | $10,687,670 | 5,167 |
Average total loans | $79,705,330 | 4,592 |
2009-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.4695% | 5,068 |
Cost of funding earning assets | 1.6959% | 5,617 |
Net interest margin | 3.7737% | 3,572 |
Noninterest income to average assets | 0.2362% | 6,569 |
Noninterest expense to average assets | 1.9511% | 7,445 |
Loan and lease loss provision to assets | 0.0000% | 6,744 |
Net operating income to assets | 1.7912% | 538 |
Return on assets (ROA) | 1.7912% | 594 |
Pretax return on assets | 1.8748% | 847 |
Return on Equity (ROE) | 18.8393% | 519 |
Retained earnings to average equity (ytd only) | 18.8393% | 203 |
Net charge-offs to loans | 0.0000% | 5,728 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 50.9972% | 7,511 |
Assets per employee ($millions) | 4.5360% | 2,661 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9416% | 1,538 |
Loan loss allowance to noncurrent loans | 1,791.4634% | 250 |
Noncurrent assets plus other real estate owned to assets | 0.0723% | 7,378 |
Noncurrent loans to loans | 0.1084% | 7,220 |
Net loans and leases to total assets | 65.4256% | 4,721 |
Net loans and leases to deposits | 72.7080% | 5,653 |
Net loans and leases to core deposits | 91.5318% | 5,394 |
Total domestic deposits to total assets | 89.9840% | 807 |
Equity capital to assets | 9.4481% | 4,746 |
Core capital (leverage) ratio | 9.8302% | 3,600 |
Tier 1 risk-based capital ratio | 12.6806% | 4,410 |
Total risk-based capital ratio | 13.9364% | 4,326 |
Memoranda: | ||
Average total assets | $110,091,000 | 4,905 |
Average earning assets | $104,725,500 | 4,781 |
Average equity | $10,467,500 | 5,241 |
Average total loans | $78,940,000 | 4,645 |
2008-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.7115% | 1,989 |
Cost of funding earning assets | 2.5888% | 3,733 |
Net interest margin | 4.1227% | 2,613 |
Noninterest income to average assets | 0.6079% | 3,788 |
Noninterest expense to average assets | 2.4823% | 6,083 |
Loan and lease loss provision to assets | 0.0000% | 7,334 |
Net operating income to assets | 1.9441% | 399 |
Return on assets (ROA) | 1.9441% | 384 |
Pretax return on assets | 2.0330% | 552 |
Return on Equity (ROE) | 20.1446% | 359 |
Retained earnings to average equity (ytd only) | 6.1206% | 1,473 |
Net charge-offs to loans | -0.0809% | 8,068 |
Credit loss provision to net charge-offs | 0.0000% | 6,652 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 54.9746% | 7,154 |
Assets per employee ($millions) | 4.2713% | 3,002 |
Cash dividends to net income (ytd only)* | 69.6165% | 2,189 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7867% | 1,661 |
Loan loss allowance to noncurrent loans | 299.1853% | 1,360 |
Noncurrent assets plus other real estate owned to assets | 0.4598% | 5,845 |
Noncurrent loans to loans | 0.5972% | 5,581 |
Net loans and leases to total assets | 75.6207% | 2,725 |
Net loans and leases to deposits | 84.4400% | 4,352 |
Net loans and leases to core deposits | 105.8031% | 4,216 |
Total domestic deposits to total assets | 89.5555% | 828 |
Equity capital to assets | 9.5717% | 4,585 |
Core capital (leverage) ratio | 9.4897% | 4,023 |
Tier 1 risk-based capital ratio | 11.4780% | 5,257 |
Total risk-based capital ratio | 12.7334% | 5,148 |
Memoranda: | ||
Average total assets | $104,621,600 | 4,910 |
Average earning assets | $99,158,800 | 4,828 |
Average equity | $10,097,000 | 5,379 |
Average total loans | $81,599,400 | 4,470 |