Home > State Bank of Clarks Grove > Performance and Condition Ratios
State Bank of Clarks Grove, 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 | 2.3396% | 6,664 |
| Cost of funding earning assets | 0.1467% | 6,549 |
| Net interest margin | 2.1929% | 6,583 |
| Noninterest income to average assets | 0.3828% | 4,570 |
| Noninterest expense to average assets | 2.1387% | 5,751 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.2245% | 5,762 |
| Return on assets (ROA) | 0.2245% | 5,820 |
| Pretax return on assets | 0.2245% | 5,896 |
| Return on Equity (ROE) | 2.3124% | 5,731 |
| Retained earnings to average equity (ytd only) | 2.3124% | 4,603 |
| Net charge-offs to loans | -0.0968% | 6,470 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.4984% | 984 |
| Assets per employee ($millions) | 4.6513% | 2,653 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3572% | 975 |
| Loan loss allowance to noncurrent loans | 195.3488% | 2,137 |
| Noncurrent assets plus other real estate owned to assets | 0.4228% | 4,986 |
| Noncurrent loans to loans | 1.2067% | 3,131 |
| Net loans and leases to total assets | 24.9355% | 6,590 |
| Net loans and leases to deposits | 27.5822% | 6,616 |
| Net loans and leases to core deposits | 27.5822% | 6,631 |
| Total domestic deposits to total assets | 90.4042% | 873 |
| Equity capital to assets | 9.5313% | 4,377 |
| Core capital (leverage) ratio | 9.2067% | 4,713 |
| Tier 1 risk-based capital ratio | 22.2725% | 1,211 |
| Total risk-based capital ratio | 23.5284% | 1,184 |
| Memoranda: | ||
| Average total assets | $27,166,400 | 6,582 |
| Average earning assets | $24,533,800 | 6,566 |
| Average equity | $2,638,000 | 6,598 |
| Average total loans | $7,232,800 | 6,677 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3924% | 6,731 |
| Cost of funding earning assets | 0.1485% | 6,643 |
| Net interest margin | 2.2439% | 6,623 |
| Noninterest income to average assets | 0.3607% | 4,812 |
| Noninterest expense to average assets | 2.0656% | 5,896 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.3113% | 5,580 |
| Return on assets (ROA) | 0.3113% | 5,692 |
| Pretax return on assets | 0.3113% | 5,844 |
| Return on Equity (ROE) | 3.1909% | 5,535 |
| Retained earnings to average equity (ytd only) | 3.1909% | 4,404 |
| Net charge-offs to loans | 0.4776% | 1,344 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 2.4228% | 4,023 |
| Efficiency ratio | 86.9023% | 1,272 |
| Assets per employee ($millions) | 4.5857% | 2,746 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9036% | 1,997 |
| Loan loss allowance to noncurrent loans | 67.1642% | 4,530 |
| Noncurrent assets plus other real estate owned to assets | 0.8468% | 4,000 |
| Noncurrent loans to loans | 2.8342% | 1,465 |
| Net loans and leases to total assets | 25.2853% | 6,661 |
| Net loans and leases to deposits | 28.0174% | 6,698 |
| Net loans and leases to core deposits | 28.0174% | 6,711 |
| Total domestic deposits to total assets | 90.2486% | 863 |
| Equity capital to assets | 9.6860% | 4,318 |
| Core capital (leverage) ratio | 9.6268% | 4,210 |
| Tier 1 risk-based capital ratio | 22.5027% | 1,221 |
| Total risk-based capital ratio | 23.6427% | 1,225 |
| Memoranda: | ||
| Average total assets | $26,981,000 | 6,662 |
| Average earning assets | $24,242,750 | 6,644 |
| Average equity | $2,632,500 | 6,675 |
| Average total loans | $7,259,250 | 6,752 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3749% | 6,778 |
| Cost of funding earning assets | 0.1500% | 6,712 |
| Net interest margin | 2.2249% | 6,670 |
| Noninterest income to average assets | 0.2910% | 5,373 |
| Noninterest expense to average assets | 1.9998% | 6,047 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.2835% | 5,649 |
| Return on assets (ROA) | 0.2835% | 5,793 |
| Pretax return on assets | 0.2835% | 5,914 |
| Return on Equity (ROE) | 2.8989% | 5,664 |
| Retained earnings to average equity (ytd only) | 2.8989% | 4,467 |
| Net charge-offs to loans | 0.7109% | 921 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 1.4615% | 4,049 |
| Efficiency ratio | 87.5817% | 1,269 |
| Assets per employee ($millions) | 4.4265% | 2,935 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7705% | 2,526 |
| Loan loss allowance to noncurrent loans | 104.6512% | 3,349 |
| Noncurrent assets plus other real estate owned to assets | 0.7079% | 4,450 |
| Noncurrent loans to loans | 1.6918% | 2,777 |
| Net loans and leases to total assets | 28.2014% | 6,628 |
| Net loans and leases to deposits | 31.3297% | 6,670 |
| Net loans and leases to core deposits | 31.3297% | 6,697 |
| Total domestic deposits to total assets | 90.0147% | 1,014 |
| Equity capital to assets | 9.9213% | 4,015 |
| Core capital (leverage) ratio | 9.6746% | 3,976 |
| Tier 1 risk-based capital ratio | 21.9713% | 1,289 |
| Total risk-based capital ratio | 23.0962% | 1,290 |
| Memoranda: | ||
| Average total assets | $26,803,330 | 6,712 |
| Average earning assets | $24,001,000 | 6,704 |
| Average equity | $2,621,670 | 6,728 |
| Average total loans | $7,315,000 | 6,796 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3087% | 6,866 |
| Cost of funding earning assets | 0.1495% | 6,802 |
| Net interest margin | 2.1592% | 6,782 |
| Noninterest income to average assets | 0.1931% | 6,096 |
| Noninterest expense to average assets | 1.7381% | 6,516 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.3863% | 5,179 |
| Return on assets (ROA) | 0.3863% | 5,324 |
| Pretax return on assets | 0.3863% | 5,608 |
| Return on Equity (ROE) | 3.9771% | 5,103 |
| Retained earnings to average equity (ytd only) | 3.9771% | 3,847 |
| Net charge-offs to loans | 0.1117% | 2,763 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 13.0000% | 1,557 |
| Efficiency ratio | 81.8182% | 2,061 |
| Assets per employee ($millions) | 4.6388% | 2,743 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4194% | 1,217 |
| Loan loss allowance to noncurrent loans | 88.8268% | 3,660 |
| Noncurrent assets plus other real estate owned to assets | 0.8551% | 4,246 |
| Noncurrent loans to loans | 2.7237% | 1,874 |
| Net loans and leases to total assets | 23.0410% | 6,794 |
| Net loans and leases to deposits | 25.4626% | 6,835 |
| Net loans and leases to core deposits | 25.4626% | 6,848 |
| Total domestic deposits to total assets | 90.4897% | 774 |
| Equity capital to assets | 9.4420% | 4,934 |
| Core capital (leverage) ratio | 9.4822% | 4,119 |
| Tier 1 risk-based capital ratio | 22.6418% | 1,212 |
| Total risk-based capital ratio | 23.9007% | 1,193 |
| Memoranda: | ||
| Average total assets | $26,925,500 | 6,777 |
| Average earning assets | $24,082,500 | 6,764 |
| Average equity | $2,615,000 | 6,796 |
| Average total loans | $7,160,000 | 6,871 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9501% | 6,795 |
| Cost of funding earning assets | 0.2000% | 6,837 |
| Net interest margin | 2.7501% | 6,449 |
| Noninterest income to average assets | 0.3736% | 4,809 |
| Noninterest expense to average assets | 2.8089% | 3,990 |
| Loan and lease loss provision to assets | -0.0659% | 6,886 |
| Net operating income to assets | 0.0484% | 6,088 |
| Return on assets (ROA) | 0.0484% | 6,230 |
| Pretax return on assets | 0.0484% | 6,222 |
| Return on Equity (ROE) | 0.4198% | 6,241 |
| Retained earnings to average equity (ytd only) | 0.4198% | 5,649 |
| Net charge-offs to loans | -0.0800% | 6,786 |
| Credit loss provision to net charge-offs | 250.0000% | 973 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.6299% | 537 |
| Assets per employee ($millions) | 4.3363% | 3,281 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0780% | 1,821 |
| Loan loss allowance to noncurrent loans | 154.8077% | 2,300 |
| Noncurrent assets plus other real estate owned to assets | 0.6265% | 4,906 |
| Noncurrent loans to loans | 1.3423% | 3,596 |
| Net loans and leases to total assets | 29.1606% | 6,725 |
| Net loans and leases to deposits | 32.4300% | 6,779 |
| Net loans and leases to core deposits | 32.4300% | 6,801 |
| Total domestic deposits to total assets | 89.9185% | 995 |
| Equity capital to assets | 10.0008% | 4,161 |
| Core capital (leverage) ratio | 10.1610% | 3,181 |
| Tier 1 risk-based capital ratio | 21.3027% | 1,399 |
| Total risk-based capital ratio | 22.5563% | 1,374 |
| Memoranda: | ||
| Average total assets | $22,748,800 | 6,913 |
| Average earning assets | $19,999,000 | 6,906 |
| Average equity | $2,620,000 | 6,859 |
| Average total loans | $7,500,400 | 6,934 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0564% | 6,872 |
| Cost of funding earning assets | 0.2238% | 6,893 |
| Net interest margin | 2.8326% | 6,460 |
| Noninterest income to average assets | 0.2067% | 6,050 |
| Noninterest expense to average assets | 2.2798% | 5,743 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.3891% | 5,296 |
| Return on assets (ROA) | 0.3891% | 5,508 |
| Pretax return on assets | 0.3891% | 5,742 |
| Return on Equity (ROE) | 3.2513% | 5,594 |
| Retained earnings to average equity (ytd only) | 3.2513% | 4,578 |
| Net charge-offs to loans | -0.1075% | 6,871 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.4214% | 1,439 |
| Assets per employee ($millions) | 3.8353% | 4,225 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5481% | 1,149 |
| Loan loss allowance to noncurrent loans | 144.2623% | 2,363 |
| Noncurrent assets plus other real estate owned to assets | 1.0560% | 4,183 |
| Noncurrent loans to loans | 1.7663% | 3,134 |
| Net loans and leases to total assets | 29.2500% | 6,842 |
| Net loans and leases to deposits | 33.0729% | 6,887 |
| Net loans and leases to core deposits | 33.0729% | 6,915 |
| Total domestic deposits to total assets | 88.4408% | 1,761 |
| Equity capital to assets | 11.5418% | 2,707 |
| Core capital (leverage) ratio | 10.8149% | 2,581 |
| Tier 1 risk-based capital ratio | 23.9830% | 1,024 |
| Total risk-based capital ratio | 25.2396% | 1,006 |
| Memoranda: | ||
| Average total assets | $21,931,500 | 7,022 |
| Average earning assets | $19,063,250 | 7,012 |
| Average equity | $2,624,500 | 6,942 |
| Average total loans | $7,438,500 | 7,027 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1629% | 6,900 |
| Cost of funding earning assets | 0.2359% | 6,954 |
| Net interest margin | 2.9270% | 6,385 |
| Noninterest income to average assets | 0.1947% | 6,166 |
| Noninterest expense to average assets | 2.4013% | 5,460 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.3245% | 5,522 |
| Return on assets (ROA) | 0.3245% | 5,730 |
| Pretax return on assets | 0.3245% | 5,911 |
| Return on Equity (ROE) | 2.6779% | 5,819 |
| Retained earnings to average equity (ytd only) | 2.6779% | 4,841 |
| Net charge-offs to loans | -0.1050% | 6,872 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.0952% | 1,228 |
| Assets per employee ($millions) | 3.7758% | 4,375 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2970% | 1,598 |
| Loan loss allowance to noncurrent loans | 63.2727% | 4,493 |
| Noncurrent assets plus other real estate owned to assets | 1.7480% | 3,107 |
| Noncurrent loans to loans | 3.6304% | 1,577 |
| Net loans and leases to total assets | 32.6683% | 6,786 |
| Net loans and leases to deposits | 36.9625% | 6,841 |
| Net loans and leases to core deposits | 36.9625% | 6,891 |
| Total domestic deposits to total assets | 88.3823% | 1,901 |
| Equity capital to assets | 11.6001% | 2,488 |
| Core capital (leverage) ratio | 10.9347% | 2,362 |
| Tier 1 risk-based capital ratio | 23.0135% | 1,131 |
| Total risk-based capital ratio | 24.2677% | 1,113 |
| Memoranda: | ||
| Average total assets | $21,571,330 | 7,089 |
| Average earning assets | $18,653,670 | 7,079 |
| Average equity | $2,614,000 | 6,986 |
| Average total loans | $7,615,670 | 7,082 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2724% | 6,908 |
| Cost of funding earning assets | 0.2653% | 6,961 |
| Net interest margin | 3.0071% | 6,283 |
| Noninterest income to average assets | 0.2092% | 6,125 |
| Noninterest expense to average assets | 2.2445% | 5,925 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.5516% | 4,586 |
| Return on assets (ROA) | 0.5516% | 4,803 |
| Pretax return on assets | 0.5516% | 5,274 |
| Return on Equity (ROE) | 4.4496% | 5,072 |
| Retained earnings to average equity (ytd only) | 4.4496% | 3,927 |
| Net charge-offs to loans | -0.1048% | 6,804 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2721% | 2,164 |
| Assets per employee ($millions) | 3.7377% | 4,567 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5128% | 1,339 |
| Loan loss allowance to noncurrent loans | 3,440.0000% | 151 |
| Noncurrent assets plus other real estate owned to assets | 0.5618% | 5,478 |
| Noncurrent loans to loans | 0.0730% | 6,569 |
| Net loans and leases to total assets | 29.7556% | 6,917 |
| Net loans and leases to deposits | 33.6986% | 6,959 |
| Net loans and leases to core deposits | 33.6986% | 6,998 |
| Total domestic deposits to total assets | 88.2993% | 2,133 |
| Equity capital to assets | 11.6829% | 2,275 |
| Core capital (leverage) ratio | 10.9746% | 2,278 |
| Tier 1 risk-based capital ratio | 24.3694% | 967 |
| Total risk-based capital ratio | 25.6260% | 952 |
| Memoranda: | ||
| Average total assets | $21,029,500 | 7,157 |
| Average earning assets | $18,090,500 | 7,147 |
| Average equity | $2,607,000 | 7,041 |
| Average total loans | $7,636,000 | 7,142 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0347% | 6,393 |
| Cost of funding earning assets | 0.3046% | 7,100 |
| Net interest margin | 3.7300% | 4,156 |
| Noninterest income to average assets | 0.3568% | 4,956 |
| Noninterest expense to average assets | 3.4776% | 2,043 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.0746% | 5,914 |
| Return on assets (ROA) | 0.0746% | 6,028 |
| Pretax return on assets | 0.0746% | 6,007 |
| Return on Equity (ROE) | 0.5331% | 6,052 |
| Retained earnings to average equity (ytd only) | 0.5331% | 5,596 |
| Net charge-offs to loans | 0.0568% | 5,739 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 2.8000% | 3,816 |
| Efficiency ratio | 97.9010% | 730 |
| Assets per employee ($millions) | 3.2722% | 5,576 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0173% | 2,223 |
| Loan loss allowance to noncurrent loans | 361.7021% | 924 |
| Noncurrent assets plus other real estate owned to assets | 0.8557% | 4,913 |
| Noncurrent loans to loans | 0.5577% | 5,605 |
| Net loans and leases to total assets | 42.0567% | 6,383 |
| Net loans and leases to deposits | 48.5050% | 6,464 |
| Net loans and leases to core deposits | 48.5050% | 6,615 |
| Total domestic deposits to total assets | 86.7061% | 2,912 |
| Equity capital to assets | 13.2124% | 1,391 |
| Core capital (leverage) ratio | 12.0212% | 1,581 |
| Tier 1 risk-based capital ratio | 21.9332% | 1,243 |
| Total risk-based capital ratio | 23.1871% | 1,217 |
| Memoranda: | ||
| Average total assets | $18,777,400 | 7,228 |
| Average earning assets | $16,085,600 | 7,228 |
| Average equity | $2,626,200 | 7,087 |
| Average total loans | $8,802,000 | 7,152 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1301% | 6,347 |
| Cost of funding earning assets | 0.3184% | 7,185 |
| Net interest margin | 3.8117% | 3,815 |
| Noninterest income to average assets | 0.3088% | 5,389 |
| Noninterest expense to average assets | 2.9663% | 3,684 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.6105% | 4,039 |
| Return on assets (ROA) | 0.6105% | 4,225 |
| Pretax return on assets | 0.6105% | 4,775 |
| Return on Equity (ROE) | 4.3022% | 4,866 |
| Retained earnings to average equity (ytd only) | 4.3022% | 3,669 |
| Net charge-offs to loans | 0.1199% | 4,829 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 10.6214% | 1,900 |
| Efficiency ratio | 82.9317% | 1,854 |
| Assets per employee ($millions) | 3.1538% | 5,774 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8488% | 2,782 |
| Loan loss allowance to noncurrent loans | 61.8519% | 4,379 |
| Noncurrent assets plus other real estate owned to assets | 1.4268% | 3,982 |
| Noncurrent loans to loans | 2.9890% | 2,312 |
| Net loans and leases to total assets | 46.8530% | 6,065 |
| Net loans and leases to deposits | 54.5802% | 6,155 |
| Net loans and leases to core deposits | 54.5802% | 6,416 |
| Total domestic deposits to total assets | 85.8426% | 3,305 |
| Equity capital to assets | 14.0834% | 1,129 |
| Core capital (leverage) ratio | 12.8216% | 1,286 |
| Tier 1 risk-based capital ratio | 22.5508% | 1,208 |
| Total risk-based capital ratio | 23.8051% | 1,183 |
| Memoranda: | ||
| Average total assets | $18,563,500 | 7,307 |
| Average earning assets | $15,915,500 | 7,312 |
| Average equity | $2,634,250 | 7,154 |
| Average total loans | $8,895,750 | 7,219 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0948% | 6,502 |
| Cost of funding earning assets | 0.3296% | 7,262 |
| Net interest margin | 3.7652% | 3,961 |
| Noninterest income to average assets | 0.2928% | 5,535 |
| Noninterest expense to average assets | 2.6459% | 5,019 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.8675% | 2,784 |
| Return on assets (ROA) | 0.8675% | 2,874 |
| Pretax return on assets | 0.8675% | 3,772 |
| Return on Equity (ROE) | 6.0976% | 3,918 |
| Retained earnings to average equity (ytd only) | 6.0976% | 2,362 |
| Net charge-offs to loans | 0.1808% | 4,078 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 10.0000% | 1,859 |
| Efficiency ratio | 75.3086% | 3,135 |
| Assets per employee ($millions) | 3.0625% | 5,950 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9392% | 2,543 |
| Loan loss allowance to noncurrent loans | 67.0683% | 4,082 |
| Noncurrent assets plus other real estate owned to assets | 2.1388% | 3,062 |
| Noncurrent loans to loans | 2.8913% | 2,527 |
| Net loans and leases to total assets | 45.9592% | 6,273 |
| Net loans and leases to deposits | 53.7590% | 6,326 |
| Net loans and leases to core deposits | 53.7590% | 6,577 |
| Total domestic deposits to total assets | 85.4912% | 3,630 |
| Equity capital to assets | 14.4762% | 946 |
| Core capital (leverage) ratio | 12.9247% | 1,194 |
| Tier 1 risk-based capital ratio | 23.1959% | 1,091 |
| Total risk-based capital ratio | 24.4540% | 1,074 |
| Memoranda: | ||
| Average total assets | $18,443,670 | 7,383 |
| Average earning assets | $15,776,000 | 7,388 |
| Average equity | $2,624,000 | 7,219 |
| Average total loans | $8,850,000 | 7,287 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2764% | 6,075 |
| Cost of funding earning assets | 0.3585% | 7,305 |
| Net interest margin | 3.9179% | 3,059 |
| Noninterest income to average assets | 0.2814% | 5,660 |
| Noninterest expense to average assets | 2.4245% | 5,814 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.1690% | 1,601 |
| Return on assets (ROA) | 1.1690% | 1,656 |
| Pretax return on assets | 1.1690% | 2,487 |
| Return on Equity (ROE) | 8.2886% | 2,781 |
| Retained earnings to average equity (ytd only) | 8.2886% | 1,621 |
| Net charge-offs to loans | -0.0446% | 6,841 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4699% | 4,758 |
| Assets per employee ($millions) | 3.1353% | 5,864 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0987% | 2,189 |
| Loan loss allowance to noncurrent loans | 54.3210% | 4,744 |
| Noncurrent assets plus other real estate owned to assets | 2.4878% | 2,741 |
| Noncurrent loans to loans | 3.8636% | 1,904 |
| Net loans and leases to total assets | 43.6424% | 6,496 |
| Net loans and leases to deposits | 50.7730% | 6,568 |
| Net loans and leases to core deposits | 50.7730% | 6,741 |
| Total domestic deposits to total assets | 85.9558% | 3,549 |
| Equity capital to assets | 13.9964% | 1,010 |
| Core capital (leverage) ratio | 12.7362% | 1,222 |
| Tier 1 risk-based capital ratio | 23.2285% | 1,058 |
| Total risk-based capital ratio | 24.4831% | 1,045 |
| Memoranda: | ||
| Average total assets | $18,478,000 | 7,437 |
| Average earning assets | $15,620,500 | 7,448 |
| Average equity | $2,606,000 | 7,271 |
| Average total loans | $8,969,000 | 7,344 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9802% | 4,650 |
| Cost of funding earning assets | 0.6004% | 7,128 |
| Net interest margin | 4.3799% | 1,558 |
| Noninterest income to average assets | 0.4917% | 4,236 |
| Noninterest expense to average assets | 3.7866% | 1,513 |
| Loan and lease loss provision to assets | 0.0565% | 6,573 |
| Net operating income to assets | 0.2769% | 5,013 |
| Return on assets (ROA) | 0.2148% | 5,392 |
| Pretax return on assets | 0.2148% | 5,456 |
| Return on Equity (ROE) | 1.4784% | 5,567 |
| Retained earnings to average equity (ytd only) | 1.4784% | 4,793 |
| Net charge-offs to loans | 0.2753% | 4,643 |
| Credit loss provision to net charge-offs | 38.4615% | 6,410 |
| Earnings coverage of net charge-offs (x) | 2.2692% | 4,024 |
| Efficiency ratio | 91.9067% | 1,190 |
| Assets per employee ($millions) | 3.0240% | 6,046 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8321% | 2,752 |
| Loan loss allowance to noncurrent loans | 61.8375% | 4,315 |
| Noncurrent assets plus other real estate owned to assets | 2.3534% | 2,914 |
| Noncurrent loans to loans | 2.9627% | 2,580 |
| Net loans and leases to total assets | 51.6810% | 5,962 |
| Net loans and leases to deposits | 60.2867% | 6,027 |
| Net loans and leases to core deposits | 60.2867% | 6,371 |
| Total domestic deposits to total assets | 85.7253% | 3,487 |
| Equity capital to assets | 14.2141% | 977 |
| Core capital (leverage) ratio | 12.6269% | 1,264 |
| Tier 1 risk-based capital ratio | 21.2144% | 1,285 |
| Total risk-based capital ratio | 22.4666% | 1,263 |
| Memoranda: | ||
| Average total assets | $17,694,200 | 7,518 |
| Average earning assets | $14,658,000 | 7,534 |
| Average equity | $2,570,400 | 7,380 |
| Average total loans | $9,443,400 | 7,415 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0304% | 4,673 |
| Cost of funding earning assets | 0.6634% | 7,145 |
| Net interest margin | 4.3671% | 1,624 |
| Noninterest income to average assets | 0.5005% | 4,182 |
| Noninterest expense to average assets | 3.3291% | 2,488 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.7659% | 3,156 |
| Return on assets (ROA) | 0.6825% | 3,658 |
| Pretax return on assets | 0.6825% | 4,293 |
| Return on Equity (ROE) | 4.6724% | 4,463 |
| Retained earnings to average equity (ytd only) | 4.6724% | 3,212 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.2963% | 2,152 |
| Assets per employee ($millions) | 3.0410% | 6,056 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0304% | 2,149 |
| Loan loss allowance to noncurrent loans | 45.6938% | 5,227 |
| Noncurrent assets plus other real estate owned to assets | 3.0801% | 2,353 |
| Noncurrent loans to loans | 4.4435% | 1,633 |
| Net loans and leases to total assets | 50.5097% | 6,270 |
| Net loans and leases to deposits | 59.0694% | 6,379 |
| Net loans and leases to core deposits | 59.0694% | 6,664 |
| Total domestic deposits to total assets | 85.5092% | 3,338 |
| Equity capital to assets | 14.4360% | 1,036 |
| Core capital (leverage) ratio | 13.1653% | 1,167 |
| Tier 1 risk-based capital ratio | 21.8371% | 1,232 |
| Total risk-based capital ratio | 23.0923% | 1,204 |
| Memoranda: | ||
| Average total assets | $17,581,750 | 7,615 |
| Average earning assets | $14,471,500 | 7,634 |
| Average equity | $2,568,250 | 7,476 |
| Average total loans | $9,416,250 | 7,514 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1067% | 4,418 |
| Cost of funding earning assets | 0.7195% | 7,146 |
| Net interest margin | 4.3873% | 1,485 |
| Noninterest income to average assets | 0.3226% | 5,575 |
| Noninterest expense to average assets | 3.4331% | 2,185 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.4723% | 4,451 |
| Return on assets (ROA) | 0.3456% | 5,158 |
| Pretax return on assets | 0.3456% | 5,386 |
| Return on Equity (ROE) | 2.3563% | 5,520 |
| Retained earnings to average equity (ytd only) | 2.3563% | 4,661 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.9056% | 1,512 |
| Assets per employee ($millions) | 2.9577% | 6,231 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9789% | 2,234 |
| Loan loss allowance to noncurrent loans | 59.5016% | 4,371 |
| Noncurrent assets plus other real estate owned to assets | 2.6203% | 2,759 |
| Noncurrent loans to loans | 3.3257% | 2,403 |
| Net loans and leases to total assets | 53.3134% | 6,075 |
| Net loans and leases to deposits | 62.3953% | 6,196 |
| Net loans and leases to core deposits | 62.3953% | 6,519 |
| Total domestic deposits to total assets | 85.4446% | 3,395 |
| Equity capital to assets | 14.4934% | 1,012 |
| Core capital (leverage) ratio | 13.1763% | 1,148 |
| Tier 1 risk-based capital ratio | 21.0929% | 1,324 |
| Total risk-based capital ratio | 22.3500% | 1,300 |
| Memoranda: | ||
| Average total assets | $17,360,330 | 7,683 |
| Average earning assets | $14,177,330 | 7,702 |
| Average equity | $2,546,330 | 7,538 |
| Average total loans | $9,419,330 | 7,574 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0449% | 4,807 |
| Cost of funding earning assets | 0.6841% | 7,366 |
| Net interest margin | 4.3608% | 1,505 |
| Noninterest income to average assets | 0.3029% | 5,731 |
| Noninterest expense to average assets | 3.9377% | 1,119 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | -0.0699% | 6,395 |
| Return on assets (ROA) | -0.2330% | 6,653 |
| Pretax return on assets | -0.2330% | 6,587 |
| Return on Equity (ROE) | -1.5788% | 6,591 |
| Retained earnings to average equity (ytd only) | -1.5788% | 6,141 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.8072% | 787 |
| Assets per employee ($millions) | 2.4629% | 7,248 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1170% | 1,920 |
| Loan loss allowance to noncurrent loans | 51.2064% | 4,910 |
| Noncurrent assets plus other real estate owned to assets | 2.9988% | 2,389 |
| Noncurrent loans to loans | 4.1343% | 1,871 |
| Net loans and leases to total assets | 51.2239% | 6,351 |
| Net loans and leases to deposits | 60.0462% | 6,464 |
| Net loans and leases to core deposits | 60.0462% | 6,744 |
| Total domestic deposits to total assets | 85.3074% | 3,505 |
| Equity capital to assets | 14.6520% | 967 |
| Core capital (leverage) ratio | 13.2006% | 1,158 |
| Tier 1 risk-based capital ratio | 21.7939% | 1,225 |
| Total risk-based capital ratio | 23.0530% | 1,216 |
| Memoranda: | ||
| Average total assets | $17,167,500 | 7,790 |
| Average earning assets | $14,034,000 | 7,806 |
| Average equity | $2,533,500 | 7,621 |
| Average total loans | $9,303,000 | 7,677 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6040% | 3,584 |
| Cost of funding earning assets | 0.7358% | 7,647 |
| Net interest margin | 4.8682% | 603 |
| Noninterest income to average assets | 0.3937% | 5,256 |
| Noninterest expense to average assets | 4.0039% | 1,357 |
| Loan and lease loss provision to assets | 0.0848% | 6,762 |
| Net operating income to assets | 0.2726% | 4,634 |
| Return on assets (ROA) | 0.1575% | 5,099 |
| Pretax return on assets | 0.1575% | 5,092 |
| Return on Equity (ROE) | 1.0185% | 5,228 |
| Retained earnings to average equity (ytd only) | 1.0185% | 4,323 |
| Net charge-offs to loans | 0.4182% | 4,135 |
| Credit loss provision to net charge-offs | 36.8421% | 6,856 |
| Earnings coverage of net charge-offs (x) | 1.5526% | 4,583 |
| Efficiency ratio | 91.8056% | 1,579 |
| Assets per employee ($millions) | 2.4421% | 7,292 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9929% | 2,047 |
| Loan loss allowance to noncurrent loans | 160.5042% | 1,810 |
| Noncurrent assets plus other real estate owned to assets | 1.5385% | 4,073 |
| Noncurrent loans to loans | 1.2417% | 4,877 |
| Net loans and leases to total assets | 54.9459% | 6,089 |
| Net loans and leases to deposits | 64.5745% | 6,200 |
| Net loans and leases to core deposits | 66.4004% | 6,961 |
| Total domestic deposits to total assets | 85.0892% | 3,509 |
| Equity capital to assets | 14.8640% | 939 |
| Core capital (leverage) ratio | 14.1803% | 952 |
| Tier 1 risk-based capital ratio | 21.0295% | 1,284 |
| Total risk-based capital ratio | 22.2895% | 1,255 |
| Memoranda: | ||
| Average total assets | $16,508,800 | 7,866 |
| Average earning assets | $13,454,600 | 7,888 |
| Average equity | $2,552,800 | 7,718 |
| Average total loans | $9,086,200 | 7,736 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4895% | 4,471 |
| Cost of funding earning assets | 0.7643% | 7,746 |
| Net interest margin | 4.7252% | 796 |
| Noninterest income to average assets | 0.3911% | 5,370 |
| Noninterest expense to average assets | 3.5854% | 2,057 |
| Loan and lease loss provision to assets | 0.0733% | 6,624 |
| Net operating income to assets | 0.6112% | 3,573 |
| Return on assets (ROA) | 0.5134% | 4,018 |
| Pretax return on assets | 0.5134% | 4,476 |
| Return on Equity (ROE) | 3.2867% | 4,667 |
| Retained earnings to average equity (ytd only) | 3.2867% | 3,473 |
| Net charge-offs to loans | 0.4315% | 3,523 |
| Credit loss provision to net charge-offs | 31.0345% | 6,500 |
| Earnings coverage of net charge-offs (x) | 2.8963% | 3,776 |
| Efficiency ratio | 83.9695% | 2,302 |
| Assets per employee ($millions) | 2.3714% | 7,418 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9874% | 1,832 |
| Loan loss allowance to noncurrent loans | 135.4167% | 2,103 |
| Noncurrent assets plus other real estate owned to assets | 1.8133% | 3,634 |
| Noncurrent loans to loans | 1.4676% | 4,485 |
| Net loans and leases to total assets | 57.9337% | 5,901 |
| Net loans and leases to deposits | 71.5072% | 5,733 |
| Net loans and leases to core deposits | 73.9883% | 6,728 |
| Total domestic deposits to total assets | 81.0181% | 5,075 |
| Equity capital to assets | 15.5783% | 872 |
| Core capital (leverage) ratio | 14.1095% | 1,064 |
| Tier 1 risk-based capital ratio | 21.3752% | 1,313 |
| Total risk-based capital ratio | 22.6374% | 1,285 |
| Memoranda: | ||
| Average total assets | $16,362,250 | 7,949 |
| Average earning assets | $13,431,250 | 7,968 |
| Average equity | $2,555,750 | 7,790 |
| Average total loans | $8,961,750 | 7,821 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5373% | 4,397 |
| Cost of funding earning assets | 0.7932% | 7,826 |
| Net interest margin | 4.7441% | 739 |
| Noninterest income to average assets | 0.3439% | 5,757 |
| Noninterest expense to average assets | 3.4883% | 2,373 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.6756% | 3,363 |
| Return on assets (ROA) | 0.5896% | 3,832 |
| Pretax return on assets | 0.5896% | 4,349 |
| Return on Equity (ROE) | 3.7711% | 4,590 |
| Retained earnings to average equity (ytd only) | 3.7711% | 3,200 |
| Net charge-offs to loans | 0.6914% | 2,320 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 1.8333% | 4,194 |
| Efficiency ratio | 83.7758% | 2,505 |
| Assets per employee ($millions) | 2.4973% | 7,258 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1632% | 1,298 |
| Loan loss allowance to noncurrent loans | 136.0294% | 2,166 |
| Noncurrent assets plus other real estate owned to assets | 1.6818% | 3,668 |
| Noncurrent loans to loans | 1.5903% | 4,110 |
| Net loans and leases to total assets | 47.8634% | 7,046 |
| Net loans and leases to deposits | 56.1544% | 7,158 |
| Net loans and leases to core deposits | 56.9184% | 7,561 |
| Total domestic deposits to total assets | 85.2354% | 3,142 |
| Equity capital to assets | 14.6902% | 1,111 |
| Core capital (leverage) ratio | 13.2963% | 1,329 |
| Tier 1 risk-based capital ratio | 22.9486% | 1,140 |
| Total risk-based capital ratio | 24.2131% | 1,112 |
| Memoranda: | ||
| Average total assets | $16,283,000 | 8,035 |
| Average earning assets | $13,111,000 | 8,067 |
| Average equity | $2,545,670 | 7,871 |
| Average total loans | $8,678,330 | 7,917 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6445% | 4,085 |
| Cost of funding earning assets | 0.8110% | 7,897 |
| Net interest margin | 4.8335% | 569 |
| Noninterest income to average assets | 0.3060% | 5,994 |
| Noninterest expense to average assets | 3.6215% | 1,815 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.4846% | 4,493 |
| Return on assets (ROA) | 0.4591% | 4,794 |
| Pretax return on assets | 0.4591% | 5,211 |
| Return on Equity (ROE) | 2.8408% | 5,429 |
| Retained earnings to average equity (ytd only) | 2.8408% | 4,293 |
| Net charge-offs to loans | 0.2288% | 3,268 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 3.8000% | 3,062 |
| Efficiency ratio | 88.1988% | 1,879 |
| Assets per employee ($millions) | 2.3249% | 7,560 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5326% | 742 |
| Loan loss allowance to noncurrent loans | 141.8919% | 2,265 |
| Noncurrent assets plus other real estate owned to assets | 1.8803% | 3,091 |
| Noncurrent loans to loans | 1.7849% | 3,582 |
| Net loans and leases to total assets | 49.6620% | 6,893 |
| Net loans and leases to deposits | 58.9540% | 6,979 |
| Net loans and leases to core deposits | 61.1856% | 7,413 |
| Total domestic deposits to total assets | 84.2387% | 3,584 |
| Equity capital to assets | 15.6446% | 937 |
| Core capital (leverage) ratio | 14.5546% | 1,069 |
| Tier 1 risk-based capital ratio | 23.8517% | 1,100 |
| Total risk-based capital ratio | 25.1155% | 1,075 |
| Memoranda: | ||
| Average total assets | $15,684,000 | 8,094 |
| Average earning assets | $12,330,500 | 8,131 |
| Average equity | $2,534,500 | 7,925 |
| Average total loans | $8,741,500 | 7,963 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5911% | 2,531 |
| Cost of funding earning assets | 1.0599% | 8,029 |
| Net interest margin | 5.5313% | 199 |
| Noninterest income to average assets | 0.4079% | 5,408 |
| Noninterest expense to average assets | 4.5132% | 875 |
| Loan and lease loss provision to assets | 0.1974% | 4,911 |
| Net operating income to assets | 0.0921% | 6,129 |
| Return on assets (ROA) | 0.2105% | 5,638 |
| Pretax return on assets | 0.2105% | 5,707 |
| Return on Equity (ROE) | 1.2708% | 5,839 |
| Retained earnings to average equity (ytd only) | 1.2708% | 4,457 |
| Net charge-offs to loans | 0.0751% | 5,688 |
| Credit loss provision to net charge-offs | 428.5714% | 1,022 |
| Earnings coverage of net charge-offs (x) | 6.2857% | 3,396 |
| Efficiency ratio | 93.9726% | 1,279 |
| Assets per employee ($millions) | 2.1563% | 7,765 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3392% | 805 |
| Loan loss allowance to noncurrent loans | 165.3846% | 2,280 |
| Noncurrent assets plus other real estate owned to assets | 1.9080% | 2,571 |
| Noncurrent loans to loans | 1.4144% | 3,687 |
| Net loans and leases to total assets | 59.4673% | 5,986 |
| Net loans and leases to deposits | 71.4991% | 6,117 |
| Net loans and leases to core deposits | 73.2555% | 7,008 |
| Total domestic deposits to total assets | 83.1721% | 3,697 |
| Equity capital to assets | 16.7153% | 809 |
| Core capital (leverage) ratio | 15.4561% | 930 |
| Tier 1 risk-based capital ratio | 22.5485% | 1,244 |
| Total risk-based capital ratio | 23.8147% | 1,216 |
| Memoranda: | ||
| Average total assets | $15,199,800 | 8,156 |
| Average earning assets | $12,076,800 | 8,186 |
| Average equity | $2,518,000 | 7,976 |
| Average total loans | $9,319,800 | 7,969 |