Home > The Biltmore Bank of Arizona > Performance and Condition Ratios
The Biltmore Bank of Arizona, Performance and Condition Ratios
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4904% | 2,248 |
| Cost of funding earning assets | 0.2402% | 6,030 |
| Net interest margin | 4.2502% | 1,219 |
| Noninterest income to average assets | 0.3775% | 4,608 |
| Noninterest expense to average assets | 3.2181% | 2,361 |
| Loan and lease loss provision to assets | 0.2286% | 1,589 |
| Net operating income to assets | 0.5571% | 4,471 |
| Return on assets (ROA) | 0.5571% | 4,599 |
| Pretax return on assets | 0.9070% | 3,739 |
| Return on Equity (ROE) | 5.0590% | 4,596 |
| Retained earnings to average equity (ytd only) | 5.0590% | 2,550 |
| Net charge-offs to loans | 0.0455% | 4,583 |
| Credit loss provision to net charge-offs | 801.1364% | 308 |
| Earnings coverage of net charge-offs (x) | 39.7955% | 959 |
| Efficiency ratio | 72.0244% | 3,466 |
| Assets per employee ($millions) | 6.3844% | 1,046 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4052% | 6,636 |
| Loan loss allowance to noncurrent loans | 36.5975% | 5,733 |
| Noncurrent assets plus other real estate owned to assets | 0.7995% | 3,884 |
| Noncurrent loans to loans | 1.1071% | 3,322 |
| Net loans and leases to total assets | 69.3857% | 2,112 |
| Net loans and leases to deposits | 79.6353% | 2,504 |
| Net loans and leases to core deposits | 93.4759% | 1,639 |
| Total domestic deposits to total assets | 87.1293% | 2,658 |
| Equity capital to assets | 12.0642% | 1,761 |
| Core capital (leverage) ratio | 10.7290% | 2,648 |
| Tier 1 risk-based capital ratio | 14.3588% | 4,041 |
| Total risk-based capital ratio | 14.7611% | 4,590 |
| Memoranda: | ||
| Average total assets | $308,381,000 | 2,090 |
| Average earning assets | $288,507,400 | 2,057 |
| Average equity | $33,959,200 | 2,029 |
| Average total loans | $193,537,000 | 2,062 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3631% | 2,723 |
| Cost of funding earning assets | 0.2400% | 6,157 |
| Net interest margin | 4.1231% | 1,560 |
| Noninterest income to average assets | 0.3741% | 4,718 |
| Noninterest expense to average assets | 3.0445% | 2,842 |
| Loan and lease loss provision to assets | 0.2729% | 1,283 |
| Net operating income to assets | 0.5620% | 4,518 |
| Return on assets (ROA) | 0.5620% | 4,671 |
| Pretax return on assets | 0.9131% | 3,825 |
| Return on Equity (ROE) | 5.2173% | 4,618 |
| Retained earnings to average equity (ytd only) | 5.2173% | 2,923 |
| Net charge-offs to loans | 0.0250% | 4,626 |
| Credit loss provision to net charge-offs | 1,783.3333% | 186 |
| Earnings coverage of net charge-offs (x) | 77.4981% | 609 |
| Efficiency ratio | 70.0563% | 3,752 |
| Assets per employee ($millions) | 6.0556% | 1,200 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4198% | 6,710 |
| Loan loss allowance to noncurrent loans | 20.9919% | 6,221 |
| Noncurrent assets plus other real estate owned to assets | 1.3675% | 2,910 |
| Noncurrent loans to loans | 1.9997% | 2,246 |
| Net loans and leases to total assets | 66.6774% | 2,528 |
| Net loans and leases to deposits | 76.5820% | 2,872 |
| Net loans and leases to core deposits | 92.8858% | 1,691 |
| Total domestic deposits to total assets | 87.0667% | 2,657 |
| Equity capital to assets | 12.0914% | 1,861 |
| Core capital (leverage) ratio | 10.2959% | 3,248 |
| Tier 1 risk-based capital ratio | 13.8115% | 4,565 |
| Total risk-based capital ratio | 14.2119% | 5,095 |
| Memoranda: | ||
| Average total assets | $313,652,000 | 2,064 |
| Average earning assets | $293,363,250 | 2,026 |
| Average equity | $33,784,000 | 2,052 |
| Average total loans | $191,882,750 | 2,077 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1986% | 3,375 |
| Cost of funding earning assets | 0.2400% | 6,239 |
| Net interest margin | 3.9586% | 2,011 |
| Noninterest income to average assets | 0.3297% | 5,054 |
| Noninterest expense to average assets | 3.0260% | 2,917 |
| Loan and lease loss provision to assets | 0.3971% | 787 |
| Net operating income to assets | 0.3823% | 5,283 |
| Return on assets (ROA) | 0.3823% | 5,451 |
| Pretax return on assets | 0.6204% | 4,947 |
| Return on Equity (ROE) | 3.6814% | 5,343 |
| Retained earnings to average equity (ytd only) | 3.6814% | 3,965 |
| Net charge-offs to loans | -0.0052% | 5,641 |
| Credit loss provision to net charge-offs | -12,840.0000% | 6,286 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9081% | 3,322 |
| Assets per employee ($millions) | 6.2443% | 1,052 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4061% | 6,768 |
| Loan loss allowance to noncurrent loans | 19.5581% | 6,316 |
| Noncurrent assets plus other real estate owned to assets | 1.4318% | 2,953 |
| Noncurrent loans to loans | 2.0761% | 2,306 |
| Net loans and leases to total assets | 67.4166% | 2,349 |
| Net loans and leases to deposits | 76.0995% | 2,860 |
| Net loans and leases to core deposits | 90.5410% | 1,860 |
| Total domestic deposits to total assets | 88.5901% | 1,859 |
| Equity capital to assets | 10.8660% | 2,878 |
| Core capital (leverage) ratio | 8.9325% | 5,098 |
| Tier 1 risk-based capital ratio | 12.3994% | 5,572 |
| Total risk-based capital ratio | 12.7884% | 6,053 |
| Memoranda: | ||
| Average total assets | $323,331,000 | 2,005 |
| Average earning assets | $303,338,330 | 1,970 |
| Average equity | $33,574,000 | 2,075 |
| Average total loans | $192,319,000 | 2,076 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8444% | 4,668 |
| Cost of funding earning assets | 0.2338% | 6,390 |
| Net interest margin | 3.6106% | 3,217 |
| Noninterest income to average assets | 0.2265% | 5,843 |
| Noninterest expense to average assets | 2.8939% | 3,370 |
| Loan and lease loss provision to assets | 0.1602% | 2,272 |
| Net operating income to assets | 0.3663% | 5,277 |
| Return on assets (ROA) | 0.3663% | 5,411 |
| Pretax return on assets | 0.5590% | 5,083 |
| Return on Equity (ROE) | 3.6043% | 5,295 |
| Retained earnings to average equity (ytd only) | 3.6043% | 4,083 |
| Net charge-offs to loans | -0.0022% | 5,163 |
| Credit loss provision to net charge-offs | -13,300.0000% | 5,946 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0260% | 2,606 |
| Assets per employee ($millions) | 6.3298% | 1,062 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1824% | 6,918 |
| Loan loss allowance to noncurrent loans | 7.3263% | 6,508 |
| Noncurrent assets plus other real estate owned to assets | 1.5656% | 2,916 |
| Noncurrent loans to loans | 2.4890% | 2,075 |
| Net loans and leases to total assets | 57.8874% | 3,791 |
| Net loans and leases to deposits | 65.3347% | 4,145 |
| Net loans and leases to core deposits | 78.2418% | 3,029 |
| Total domestic deposits to total assets | 88.6013% | 1,934 |
| Equity capital to assets | 10.9528% | 3,011 |
| Core capital (leverage) ratio | 9.3298% | 4,353 |
| Tier 1 risk-based capital ratio | 13.7170% | 4,709 |
| Total risk-based capital ratio | 13.8859% | 5,437 |
| Memoranda: | ||
| Average total assets | $332,010,500 | 1,979 |
| Average earning assets | $311,418,000 | 1,950 |
| Average equity | $33,737,500 | 2,092 |
| Average total loans | $184,920,000 | 2,166 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.1848% | 7,074 |
| Cost of funding earning assets | 0.0143% | 7,057 |
| Net interest margin | 0.1705% | 7,071 |
| Noninterest income to average assets | 0.0057% | 6,806 |
| Noninterest expense to average assets | 0.0864% | 7,078 |
| Loan and lease loss provision to assets | 0.0654% | 4,941 |
| Net operating income to assets | 0.0091% | 6,150 |
| Return on assets (ROA) | 0.0091% | 6,290 |
| Pretax return on assets | 0.0148% | 6,262 |
| Return on Equity (ROE) | 0.1032% | 6,287 |
| Retained earnings to average equity (ytd only) | 0.1032% | 5,784 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.7854% | 6,667 |
| Assets per employee ($millions) | 7.2217% | 699 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1021% | 6,987 |
| Loan loss allowance to noncurrent loans | 3.5603% | 6,569 |
| Noncurrent assets plus other real estate owned to assets | 1.6611% | 2,906 |
| Noncurrent loans to loans | 2.8684% | 1,828 |
| Net loans and leases to total assets | 53.6297% | 4,669 |
| Net loans and leases to deposits | 59.4388% | 5,084 |
| Net loans and leases to core deposits | 72.2325% | 4,012 |
| Total domestic deposits to total assets | 90.2267% | 833 |
| Equity capital to assets | 9.4681% | 4,914 |
| Core capital (leverage) ratio | 9.1958% | 4,588 |
| Tier 1 risk-based capital ratio | 13.3320% | 4,879 |
| Total risk-based capital ratio | 13.4271% | 5,627 |
| Memoranda: | ||
| Average total assets | $296,415,200 | 2,163 |
| Average earning assets | $279,726,800 | 2,104 |
| Average equity | $26,155,000 | 2,551 |
| Average total loans | $173,560,800 | 2,275 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6460% | 6,321 |
| Cost of funding earning assets | 0.4641% | 5,688 |
| Net interest margin | 3.1819% | 5,742 |
| Noninterest income to average assets | 0.5800% | 3,404 |
| Noninterest expense to average assets | 2.9568% | 3,382 |
| Loan and lease loss provision to assets | 0.1744% | 3,389 |
| Net operating income to assets | 0.4562% | 5,011 |
| Return on assets (ROA) | 0.8036% | 3,678 |
| Pretax return on assets | 0.8036% | 4,469 |
| Return on Equity (ROE) | 9.3208% | 2,666 |
| Retained earnings to average equity (ytd only) | 9.3208% | 1,120 |
| Net charge-offs to loans | 0.3076% | 2,908 |
| Credit loss provision to net charge-offs | 94.3734% | 3,165 |
| Earnings coverage of net charge-offs (x) | 3.4118% | 3,654 |
| Efficiency ratio | 82.4219% | 1,761 |
| Assets per employee ($millions) | 5.7473% | 1,419 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7259% | 3,051 |
| Loan loss allowance to noncurrent loans | 45.2151% | 5,386 |
| Noncurrent assets plus other real estate owned to assets | 3.4174% | 1,477 |
| Noncurrent loans to loans | 3.8171% | 1,381 |
| Net loans and leases to total assets | 65.2471% | 2,789 |
| Net loans and leases to deposits | 73.2377% | 3,407 |
| Net loans and leases to core deposits | 91.4811% | 1,829 |
| Total domestic deposits to total assets | 89.0896% | 1,377 |
| Equity capital to assets | 9.0867% | 5,731 |
| Core capital (leverage) ratio | 8.7947% | 5,355 |
| Tier 1 risk-based capital ratio | 11.8366% | 6,038 |
| Total risk-based capital ratio | 13.0903% | 6,017 |
| Memoranda: | ||
| Average total assets | $282,053,500 | 2,280 |
| Average earning assets | $266,584,250 | 2,212 |
| Average equity | $24,317,750 | 2,752 |
| Average total loans | $169,458,750 | 2,349 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4669% | 6,645 |
| Cost of funding earning assets | 0.4833% | 5,735 |
| Net interest margin | 2.9836% | 6,275 |
| Noninterest income to average assets | 0.7555% | 2,393 |
| Noninterest expense to average assets | 2.8491% | 3,835 |
| Loan and lease loss provision to assets | 0.0957% | 4,346 |
| Net operating income to assets | 0.6371% | 4,189 |
| Return on assets (ROA) | 0.7123% | 4,069 |
| Pretax return on assets | 0.7123% | 4,791 |
| Return on Equity (ROE) | 8.4123% | 3,062 |
| Retained earnings to average equity (ytd only) | 8.4123% | 1,477 |
| Net charge-offs to loans | 0.1186% | 3,990 |
| Credit loss provision to net charge-offs | 139.1753% | 1,983 |
| Earnings coverage of net charge-offs (x) | 10.6598% | 2,030 |
| Efficiency ratio | 79.5410% | 2,260 |
| Assets per employee ($millions) | 5.9913% | 1,233 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9424% | 2,401 |
| Loan loss allowance to noncurrent loans | 38.6615% | 5,727 |
| Noncurrent assets plus other real estate owned to assets | 3.5353% | 1,504 |
| Noncurrent loans to loans | 5.0242% | 977 |
| Net loans and leases to total assets | 57.6992% | 4,219 |
| Net loans and leases to deposits | 63.4264% | 4,833 |
| Net loans and leases to core deposits | 79.1831% | 3,342 |
| Total domestic deposits to total assets | 90.9703% | 457 |
| Equity capital to assets | 8.6545% | 6,068 |
| Core capital (leverage) ratio | 8.2859% | 5,934 |
| Tier 1 risk-based capital ratio | 11.9197% | 5,981 |
| Total risk-based capital ratio | 13.1743% | 5,945 |
| Memoranda: | ||
| Average total assets | $282,198,000 | 2,284 |
| Average earning assets | $267,326,000 | 2,207 |
| Average equity | $23,893,670 | 2,778 |
| Average total loans | $163,619,670 | 2,419 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4514% | 6,754 |
| Cost of funding earning assets | 0.5157% | 5,717 |
| Net interest margin | 2.9358% | 6,422 |
| Noninterest income to average assets | 0.2061% | 6,153 |
| Noninterest expense to average assets | 2.8865% | 3,678 |
| Loan and lease loss provision to assets | 0.0114% | 5,160 |
| Net operating income to assets | 0.0945% | 6,245 |
| Return on assets (ROA) | 0.1259% | 6,306 |
| Pretax return on assets | 0.1259% | 6,341 |
| Return on Equity (ROE) | 1.5045% | 6,221 |
| Retained earnings to average equity (ytd only) | 1.5045% | 5,487 |
| Net charge-offs to loans | 0.5721% | 1,658 |
| Credit loss provision to net charge-offs | 3.4783% | 3,969 |
| Earnings coverage of net charge-offs (x) | 0.3217% | 4,207 |
| Efficiency ratio | 96.4610% | 697 |
| Assets per employee ($millions) | 6.2016% | 1,151 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8899% | 2,707 |
| Loan loss allowance to noncurrent loans | 35.4367% | 5,885 |
| Noncurrent assets plus other real estate owned to assets | 3.1447% | 1,844 |
| Noncurrent loans to loans | 5.3331% | 1,019 |
| Net loans and leases to total assets | 52.7893% | 4,910 |
| Net loans and leases to deposits | 57.5199% | 5,432 |
| Net loans and leases to core deposits | 71.5811% | 4,214 |
| Total domestic deposits to total assets | 91.7757% | 311 |
| Equity capital to assets | 7.8807% | 6,596 |
| Core capital (leverage) ratio | 8.5808% | 5,466 |
| Tier 1 risk-based capital ratio | 12.3724% | 5,705 |
| Total risk-based capital ratio | 13.6269% | 5,658 |
| Memoranda: | ||
| Average total assets | $279,505,500 | 2,316 |
| Average earning assets | $265,280,000 | 2,238 |
| Average equity | $23,396,000 | 2,812 |
| Average total loans | $160,819,500 | 2,469 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0052% | 6,444 |
| Cost of funding earning assets | 0.7401% | 5,278 |
| Net interest margin | 3.2651% | 5,918 |
| Noninterest income to average assets | 0.0668% | 6,764 |
| Noninterest expense to average assets | 3.1393% | 3,063 |
| Loan and lease loss provision to assets | 0.3749% | 2,749 |
| Net operating income to assets | -0.3787% | 6,399 |
| Return on assets (ROA) | -0.3633% | 6,440 |
| Pretax return on assets | -0.3633% | 6,397 |
| Return on Equity (ROE) | -3.9696% | 6,468 |
| Retained earnings to average equity (ytd only) | -3.9696% | 6,366 |
| Net charge-offs to loans | 0.8395% | 2,065 |
| Credit loss provision to net charge-offs | 72.7476% | 4,743 |
| Earnings coverage of net charge-offs (x) | -0.0074% | 5,834 |
| Efficiency ratio | 100.1224% | 666 |
| Assets per employee ($millions) | 5.4444% | 1,699 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0121% | 2,236 |
| Loan loss allowance to noncurrent loans | 34.5822% | 5,907 |
| Noncurrent assets plus other real estate owned to assets | 3.7776% | 1,535 |
| Noncurrent loans to loans | 5.8184% | 877 |
| Net loans and leases to total assets | 60.5438% | 3,884 |
| Net loans and leases to deposits | 66.7748% | 4,628 |
| Net loans and leases to core deposits | 92.6282% | 1,828 |
| Total domestic deposits to total assets | 90.6686% | 639 |
| Equity capital to assets | 8.9285% | 5,639 |
| Core capital (leverage) ratio | 8.8343% | 5,050 |
| Tier 1 risk-based capital ratio | 12.3919% | 5,543 |
| Total risk-based capital ratio | 13.6478% | 5,512 |
| Memoranda: | ||
| Average total assets | $260,635,400 | 2,423 |
| Average earning assets | $244,954,600 | 2,346 |
| Average equity | $23,856,200 | 2,681 |
| Average total loans | $159,966,800 | 2,494 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0818% | 6,450 |
| Cost of funding earning assets | 0.7616% | 5,385 |
| Net interest margin | 3.3202% | 5,805 |
| Noninterest income to average assets | 0.0450% | 6,973 |
| Noninterest expense to average assets | 3.2286% | 2,730 |
| Loan and lease loss provision to assets | 0.4105% | 2,412 |
| Net operating income to assets | -0.4786% | 6,629 |
| Return on assets (ROA) | -0.4663% | 6,665 |
| Pretax return on assets | -0.4663% | 6,599 |
| Return on Equity (ROE) | -5.0637% | 6,678 |
| Retained earnings to average equity (ytd only) | -5.0637% | 6,598 |
| Net charge-offs to loans | 1.1312% | 1,400 |
| Credit loss provision to net charge-offs | 59.2319% | 4,830 |
| Earnings coverage of net charge-offs (x) | -0.0982% | 5,661 |
| Efficiency ratio | 102.1542% | 603 |
| Assets per employee ($millions) | 5.6829% | 1,436 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0263% | 2,263 |
| Loan loss allowance to noncurrent loans | 65.5748% | 4,178 |
| Noncurrent assets plus other real estate owned to assets | 1.9529% | 3,203 |
| Noncurrent loans to loans | 3.0901% | 2,244 |
| Net loans and leases to total assets | 55.4479% | 4,928 |
| Net loans and leases to deposits | 61.1495% | 5,494 |
| Net loans and leases to core deposits | 80.8775% | 3,504 |
| Total domestic deposits to total assets | 90.6759% | 562 |
| Equity capital to assets | 8.8965% | 5,863 |
| Core capital (leverage) ratio | 8.8880% | 5,128 |
| Tier 1 risk-based capital ratio | 12.9849% | 5,110 |
| Total risk-based capital ratio | 14.2406% | 5,074 |
| Memoranda: | ||
| Average total assets | $260,461,000 | 2,430 |
| Average earning assets | $244,398,000 | 2,362 |
| Average equity | $23,987,000 | 2,674 |
| Average total loans | $159,591,000 | 2,522 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2129% | 6,257 |
| Cost of funding earning assets | 0.8038% | 5,342 |
| Net interest margin | 3.4091% | 5,525 |
| Noninterest income to average assets | 0.1905% | 6,304 |
| Noninterest expense to average assets | 3.3270% | 2,469 |
| Loan and lease loss provision to assets | -0.0015% | 7,353 |
| Net operating income to assets | 0.0612% | 6,091 |
| Return on assets (ROA) | 0.0798% | 6,139 |
| Pretax return on assets | 0.0798% | 6,132 |
| Return on Equity (ROE) | 0.8561% | 6,120 |
| Retained earnings to average equity (ytd only) | 0.8561% | 5,527 |
| Net charge-offs to loans | 0.1355% | 4,390 |
| Credit loss provision to net charge-offs | -1.8182% | 6,161 |
| Earnings coverage of net charge-offs (x) | 0.7000% | 4,770 |
| Efficiency ratio | 98.2392% | 783 |
| Assets per employee ($millions) | 5.5552% | 1,522 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3479% | 1,666 |
| Loan loss allowance to noncurrent loans | 58.4710% | 4,539 |
| Noncurrent assets plus other real estate owned to assets | 2.9694% | 2,258 |
| Noncurrent loans to loans | 4.0154% | 1,724 |
| Net loans and leases to total assets | 55.8019% | 5,028 |
| Net loans and leases to deposits | 61.8333% | 5,522 |
| Net loans and leases to core deposits | 83.2449% | 3,330 |
| Total domestic deposits to total assets | 90.2457% | 841 |
| Equity capital to assets | 9.3391% | 5,092 |
| Core capital (leverage) ratio | 9.6105% | 3,792 |
| Tier 1 risk-based capital ratio | 13.4169% | 4,595 |
| Total risk-based capital ratio | 14.6796% | 4,571 |
| Memoranda: | ||
| Average total assets | $258,250,000 | 2,472 |
| Average earning assets | $242,113,670 | 2,405 |
| Average equity | $24,062,000 | 2,657 |
| Average total loans | $162,401,000 | 2,506 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3615% | 5,818 |
| Cost of funding earning assets | 0.8616% | 5,198 |
| Net interest margin | 3.4999% | 5,011 |
| Noninterest income to average assets | 0.1962% | 6,318 |
| Noninterest expense to average assets | 3.3439% | 2,428 |
| Loan and lease loss provision to assets | -0.0078% | 7,443 |
| Net operating income to assets | 0.1308% | 6,008 |
| Return on assets (ROA) | 0.1308% | 6,062 |
| Pretax return on assets | 0.1308% | 6,101 |
| Return on Equity (ROE) | 1.4058% | 6,018 |
| Retained earnings to average equity (ytd only) | 1.4058% | 5,260 |
| Net charge-offs to loans | 0.1136% | 3,848 |
| Credit loss provision to net charge-offs | -10.4167% | 5,589 |
| Earnings coverage of net charge-offs (x) | 1.6458% | 3,489 |
| Efficiency ratio | 96.4510% | 897 |
| Assets per employee ($millions) | 5.5597% | 1,521 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1804% | 2,010 |
| Loan loss allowance to noncurrent loans | 83.6347% | 3,395 |
| Noncurrent assets plus other real estate owned to assets | 2.8079% | 2,455 |
| Noncurrent loans to loans | 2.6070% | 2,893 |
| Net loans and leases to total assets | 62.4850% | 3,762 |
| Net loans and leases to deposits | 69.2817% | 4,475 |
| Net loans and leases to core deposits | 95.3308% | 1,736 |
| Total domestic deposits to total assets | 90.1899% | 1,031 |
| Equity capital to assets | 9.3953% | 4,583 |
| Core capital (leverage) ratio | 9.4001% | 3,964 |
| Tier 1 risk-based capital ratio | 12.1760% | 5,529 |
| Total risk-based capital ratio | 13.4329% | 5,517 |
| Memoranda: | ||
| Average total assets | $256,827,500 | 2,502 |
| Average earning assets | $240,007,000 | 2,450 |
| Average equity | $23,901,000 | 2,655 |
| Average total loans | $169,002,000 | 2,447 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5871% | 6,150 |
| Cost of funding earning assets | 1.3713% | 3,449 |
| Net interest margin | 3.2158% | 6,231 |
| Noninterest income to average assets | 0.2375% | 6,098 |
| Noninterest expense to average assets | 2.9763% | 3,940 |
| Loan and lease loss provision to assets | 0.0979% | 6,165 |
| Net operating income to assets | 0.1683% | 5,380 |
| Return on assets (ROA) | 0.2150% | 5,389 |
| Pretax return on assets | 0.2150% | 5,455 |
| Return on Equity (ROE) | 2.3760% | 5,232 |
| Retained earnings to average equity (ytd only) | 2.3760% | 4,211 |
| Net charge-offs to loans | 0.6786% | 2,973 |
| Credit loss provision to net charge-offs | 20.8299% | 6,553 |
| Earnings coverage of net charge-offs (x) | 0.5663% | 5,542 |
| Efficiency ratio | 91.7895% | 1,196 |
| Assets per employee ($millions) | 5.8616% | 1,307 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0700% | 2,130 |
| Loan loss allowance to noncurrent loans | 244.2568% | 1,260 |
| Noncurrent assets plus other real estate owned to assets | 1.8828% | 3,510 |
| Noncurrent loans to loans | 0.8475% | 5,364 |
| Net loans and leases to total assets | 66.3118% | 3,403 |
| Net loans and leases to deposits | 73.3549% | 4,304 |
| Net loans and leases to core deposits | 104.4747% | 1,282 |
| Total domestic deposits to total assets | 90.3986% | 889 |
| Equity capital to assets | 9.2180% | 4,811 |
| Core capital (leverage) ratio | 9.5616% | 3,623 |
| Tier 1 risk-based capital ratio | 11.4023% | 5,990 |
| Total risk-based capital ratio | 12.6480% | 5,988 |
| Memoranda: | ||
| Average total assets | $261,435,000 | 2,441 |
| Average earning assets | $244,296,000 | 2,392 |
| Average equity | $23,653,400 | 2,686 |
| Average total loans | $181,109,000 | 2,340 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6164% | 6,289 |
| Cost of funding earning assets | 1.4886% | 3,045 |
| Net interest margin | 3.1279% | 6,545 |
| Noninterest income to average assets | 0.2760% | 5,899 |
| Noninterest expense to average assets | 3.0354% | 3,624 |
| Loan and lease loss provision to assets | 0.1316% | 5,712 |
| Net operating income to assets | 0.0300% | 5,932 |
| Return on assets (ROA) | 0.0920% | 5,935 |
| Pretax return on assets | 0.0920% | 5,923 |
| Return on Equity (ROE) | 1.0216% | 5,893 |
| Retained earnings to average equity (ytd only) | 1.0216% | 5,404 |
| Net charge-offs to loans | 0.8610% | 2,291 |
| Credit loss provision to net charge-offs | 21.9492% | 6,230 |
| Earnings coverage of net charge-offs (x) | 0.2695% | 5,754 |
| Efficiency ratio | 94.9444% | 946 |
| Assets per employee ($millions) | 6.1434% | 1,146 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1814% | 1,839 |
| Loan loss allowance to noncurrent loans | 207.9977% | 1,402 |
| Noncurrent assets plus other real estate owned to assets | 2.0947% | 3,346 |
| Noncurrent loans to loans | 1.0487% | 5,148 |
| Net loans and leases to total assets | 65.2845% | 3,845 |
| Net loans and leases to deposits | 72.3912% | 4,777 |
| Net loans and leases to core deposits | 112.6990% | 897 |
| Total domestic deposits to total assets | 90.1830% | 782 |
| Equity capital to assets | 9.4613% | 4,905 |
| Core capital (leverage) ratio | 9.2389% | 4,298 |
| Tier 1 risk-based capital ratio | 11.5897% | 5,837 |
| Total risk-based capital ratio | 12.8461% | 5,824 |
| Memoranda: | ||
| Average total assets | $262,316,500 | 2,467 |
| Average earning assets | $244,975,250 | 2,419 |
| Average equity | $23,623,250 | 2,738 |
| Average total loans | $182,726,500 | 2,362 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6264% | 6,387 |
| Cost of funding earning assets | 1.5456% | 2,984 |
| Net interest margin | 3.0808% | 6,654 |
| Noninterest income to average assets | 0.3424% | 5,411 |
| Noninterest expense to average assets | 3.1152% | 3,243 |
| Loan and lease loss provision to assets | 0.1979% | 4,889 |
| Net operating income to assets | -0.0895% | 6,213 |
| Return on assets (ROA) | -0.0670% | 6,269 |
| Pretax return on assets | -0.0670% | 6,216 |
| Return on Equity (ROE) | -0.7557% | 6,292 |
| Retained earnings to average equity (ytd only) | -0.7557% | 5,918 |
| Net charge-offs to loans | 0.9552% | 1,929 |
| Credit loss provision to net charge-offs | 29.3527% | 5,743 |
| Earnings coverage of net charge-offs (x) | 0.1607% | 5,561 |
| Efficiency ratio | 96.6387% | 933 |
| Assets per employee ($millions) | 5.7352% | 1,420 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3063% | 1,576 |
| Loan loss allowance to noncurrent loans | 127.6630% | 2,185 |
| Noncurrent assets plus other real estate owned to assets | 2.3902% | 3,011 |
| Noncurrent loans to loans | 1.8066% | 3,995 |
| Net loans and leases to total assets | 62.1512% | 4,654 |
| Net loans and leases to deposits | 68.4457% | 5,500 |
| Net loans and leases to core deposits | 109.8499% | 1,171 |
| Total domestic deposits to total assets | 90.8037% | 566 |
| Equity capital to assets | 8.8220% | 5,721 |
| Core capital (leverage) ratio | 8.7149% | 5,051 |
| Tier 1 risk-based capital ratio | 11.1241% | 6,121 |
| Total risk-based capital ratio | 12.3783% | 6,101 |
| Memoranda: | ||
| Average total assets | $265,795,670 | 2,455 |
| Average earning assets | $248,575,670 | 2,407 |
| Average equity | $23,554,000 | 2,738 |
| Average total loans | $187,600,330 | 2,335 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5578% | 6,658 |
| Cost of funding earning assets | 1.5645% | 3,176 |
| Net interest margin | 2.9933% | 6,842 |
| Noninterest income to average assets | 0.1425% | 6,956 |
| Noninterest expense to average assets | 3.0055% | 3,663 |
| Loan and lease loss provision to assets | 0.0273% | 6,403 |
| Net operating income to assets | -0.0834% | 6,419 |
| Return on assets (ROA) | -0.0834% | 6,496 |
| Pretax return on assets | -0.0834% | 6,445 |
| Return on Equity (ROE) | -0.9385% | 6,517 |
| Retained earnings to average equity (ytd only) | -0.9385% | 6,032 |
| Net charge-offs to loans | 0.0940% | 4,475 |
| Credit loss provision to net charge-offs | 39.1304% | 4,656 |
| Earnings coverage of net charge-offs (x) | -0.8043% | 5,352 |
| Efficiency ratio | 101.9013% | 786 |
| Assets per employee ($millions) | 5.8424% | 1,375 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4884% | 1,309 |
| Loan loss allowance to noncurrent loans | 62.0493% | 4,267 |
| Noncurrent assets plus other real estate owned to assets | 3.1014% | 2,305 |
| Noncurrent loans to loans | 4.0104% | 1,955 |
| Net loans and leases to total assets | 67.9658% | 3,396 |
| Net loans and leases to deposits | 74.9349% | 4,597 |
| Net loans and leases to core deposits | 131.9615% | 439 |
| Total domestic deposits to total assets | 90.6999% | 655 |
| Equity capital to assets | 8.9445% | 5,359 |
| Core capital (leverage) ratio | 8.9449% | 4,657 |
| Tier 1 risk-based capital ratio | 10.5987% | 6,543 |
| Total risk-based capital ratio | 11.8585% | 6,527 |
| Memoranda: | ||
| Average total assets | $263,916,500 | 2,528 |
| Average earning assets | $247,489,000 | 2,474 |
| Average equity | $23,441,000 | 2,774 |
| Average total loans | $195,657,500 | 2,323 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8585% | 6,815 |
| Cost of funding earning assets | 1.8090% | 3,939 |
| Net interest margin | 3.0494% | 6,520 |
| Noninterest income to average assets | 0.0150% | 7,638 |
| Noninterest expense to average assets | 3.2271% | 3,283 |
| Loan and lease loss provision to assets | 1.9490% | 1,125 |
| Net operating income to assets | -1.1819% | 6,697 |
| Return on assets (ROA) | -1.1102% | 6,654 |
| Pretax return on assets | -2.1971% | 7,017 |
| Return on Equity (ROE) | -11.2309% | 6,711 |
| Retained earnings to average equity (ytd only) | -11.2309% | 6,615 |
| Net charge-offs to loans | 2.0654% | 1,188 |
| Credit loss provision to net charge-offs | 121.1556% | 4,398 |
| Earnings coverage of net charge-offs (x) | -0.2239% | 6,484 |
| Efficiency ratio | 112.5637% | 751 |
| Assets per employee ($millions) | 6.3077% | 1,075 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2051% | 1,646 |
| Loan loss allowance to noncurrent loans | 45.9167% | 5,335 |
| Noncurrent assets plus other real estate owned to assets | 4.1053% | 1,605 |
| Noncurrent loans to loans | 4.8023% | 1,436 |
| Net loans and leases to total assets | 76.8065% | 1,627 |
| Net loans and leases to deposits | 84.5669% | 3,169 |
| Net loans and leases to core deposits | 166.2185% | 271 |
| Total domestic deposits to total assets | 90.8234% | 603 |
| Equity capital to assets | 8.8199% | 5,398 |
| Core capital (leverage) ratio | 8.6073% | 5,089 |
| Tier 1 risk-based capital ratio | 10.1555% | 6,731 |
| Total risk-based capital ratio | 11.4145% | 6,689 |
| Memoranda: | ||
| Average total assets | $266,803,200 | 2,458 |
| Average earning assets | $249,524,000 | 2,408 |
| Average equity | $26,373,600 | 2,500 |
| Average total loans | $207,808,600 | 2,224 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8114% | 7,101 |
| Cost of funding earning assets | 1.8244% | 4,257 |
| Net interest margin | 2.9870% | 6,639 |
| Noninterest income to average assets | 0.0788% | 7,510 |
| Noninterest expense to average assets | 2.9238% | 4,346 |
| Loan and lease loss provision to assets | 1.1080% | 1,765 |
| Net operating income to assets | 0.3022% | 4,783 |
| Return on assets (ROA) | 0.3277% | 4,791 |
| Pretax return on assets | -1.1189% | 6,773 |
| Return on Equity (ROE) | 3.2294% | 4,687 |
| Retained earnings to average equity (ytd only) | 3.2294% | 3,512 |
| Net charge-offs to loans | 0.9101% | 2,150 |
| Credit loss provision to net charge-offs | 156.6291% | 3,043 |
| Earnings coverage of net charge-offs (x) | -0.0719% | 6,151 |
| Efficiency ratio | 101.7711% | 988 |
| Assets per employee ($millions) | 6.8190% | 855 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0157% | 1,764 |
| Loan loss allowance to noncurrent loans | 94.5581% | 2,909 |
| Noncurrent assets plus other real estate owned to assets | 2.6364% | 2,637 |
| Noncurrent loans to loans | 2.1317% | 3,470 |
| Net loans and leases to total assets | 79.8962% | 1,188 |
| Net loans and leases to deposits | 89.1312% | 2,758 |
| Net loans and leases to core deposits | 190.3658% | 134 |
| Total domestic deposits to total assets | 89.6389% | 911 |
| Equity capital to assets | 10.0759% | 3,989 |
| Core capital (leverage) ratio | 9.7276% | 3,608 |
| Tier 1 risk-based capital ratio | 10.8373% | 6,119 |
| Total risk-based capital ratio | 12.0942% | 6,066 |
| Memoranda: | ||
| Average total assets | $267,273,250 | 2,455 |
| Average earning assets | $250,012,500 | 2,428 |
| Average equity | $27,125,500 | 2,462 |
| Average total loans | $207,744,250 | 2,242 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6250% | 7,490 |
| Cost of funding earning assets | 1.8358% | 4,576 |
| Net interest margin | 2.7893% | 7,032 |
| Noninterest income to average assets | -0.0919% | 8,029 |
| Noninterest expense to average assets | 3.0183% | 4,013 |
| Loan and lease loss provision to assets | 1.5514% | 1,098 |
| Net operating income to assets | 0.1474% | 5,423 |
| Return on assets (ROA) | 0.1884% | 5,386 |
| Pretax return on assets | -1.9967% | 7,286 |
| Return on Equity (ROE) | 1.8514% | 5,356 |
| Retained earnings to average equity (ytd only) | 1.8514% | 4,315 |
| Net charge-offs to loans | 1.1890% | 1,539 |
| Credit loss provision to net charge-offs | 170.7297% | 2,694 |
| Earnings coverage of net charge-offs (x) | -0.5605% | 6,103 |
| Efficiency ratio | 120.3003% | 662 |
| Assets per employee ($millions) | 6.8329% | 833 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0216% | 1,526 |
| Loan loss allowance to noncurrent loans | 74.1777% | 3,748 |
| Noncurrent assets plus other real estate owned to assets | 3.1844% | 1,973 |
| Noncurrent loans to loans | 2.7253% | 2,639 |
| Net loans and leases to total assets | 78.4219% | 1,652 |
| Net loans and leases to deposits | 87.0243% | 3,354 |
| Net loans and leases to core deposits | 176.9483% | 250 |
| Total domestic deposits to total assets | 90.1149% | 780 |
| Equity capital to assets | 9.5192% | 4,589 |
| Core capital (leverage) ratio | 9.3767% | 4,060 |
| Tier 1 risk-based capital ratio | 10.2366% | 6,668 |
| Total risk-based capital ratio | 11.4713% | 6,619 |
| Memoranda: | ||
| Average total assets | $265,444,330 | 2,485 |
| Average earning assets | $247,521,670 | 2,458 |
| Average equity | $27,006,330 | 2,477 |
| Average total loans | $202,856,330 | 2,319 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3070% | 7,847 |
| Cost of funding earning assets | 1.8299% | 4,975 |
| Net interest margin | 2.4771% | 7,528 |
| Noninterest income to average assets | 0.3689% | 5,474 |
| Noninterest expense to average assets | 3.2113% | 2,937 |
| Loan and lease loss provision to assets | 1.9512% | 624 |
| Net operating income to assets | 2.0024% | 350 |
| Return on assets (ROA) | 2.0024% | 397 |
| Pretax return on assets | -2.4921% | 7,658 |
| Return on Equity (ROE) | 19.0171% | 504 |
| Retained earnings to average equity (ytd only) | 19.0171% | 196 |
| Net charge-offs to loans | 0.6349% | 1,909 |
| Credit loss provision to net charge-offs | 412.7869% | 1,276 |
| Earnings coverage of net charge-offs (x) | -1.1443% | 5,393 |
| Efficiency ratio | 120.2554% | 625 |
| Assets per employee ($millions) | 6.1109% | 1,134 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3717% | 883 |
| Loan loss allowance to noncurrent loans | 68.0870% | 4,176 |
| Noncurrent assets plus other real estate owned to assets | 4.2259% | 1,185 |
| Noncurrent loans to loans | 3.4833% | 1,827 |
| Net loans and leases to total assets | 67.8595% | 4,171 |
| Net loans and leases to deposits | 75.6941% | 5,258 |
| Net loans and leases to core deposits | 149.9265% | 709 |
| Total domestic deposits to total assets | 89.6496% | 951 |
| Equity capital to assets | 9.9015% | 4,115 |
| Core capital (leverage) ratio | 10.6033% | 2,827 |
| Tier 1 risk-based capital ratio | 11.0626% | 5,846 |
| Total risk-based capital ratio | 12.3202% | 5,743 |
| Memoranda: | ||
| Average total assets | $258,091,500 | 2,566 |
| Average earning assets | $239,794,000 | 2,535 |
| Average equity | $27,175,500 | 2,477 |
| Average total loans | $192,168,500 | 2,445 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9198% | 5,946 |
| Cost of funding earning assets | 2.2210% | 5,505 |
| Net interest margin | 3.6987% | 4,477 |
| Noninterest income to average assets | 0.3027% | 6,281 |
| Noninterest expense to average assets | 3.6733% | 1,999 |
| Loan and lease loss provision to assets | 3.3557% | 254 |
| Net operating income to assets | -4.0545% | 7,996 |
| Return on assets (ROA) | -4.0545% | 7,983 |
| Pretax return on assets | -3.2968% | 7,778 |
| Return on Equity (ROE) | -27.9970% | 7,919 |
| Retained earnings to average equity (ytd only) | -27.9970% | 7,870 |
| Net charge-offs to loans | 3.8010% | 188 |
| Credit loss provision to net charge-offs | 110.3572% | 4,886 |
| Earnings coverage of net charge-offs (x) | 0.0194% | 6,231 |
| Efficiency ratio | 98.4222% | 1,046 |
| Assets per employee ($millions) | 5.1105% | 1,824 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9476% | 1,322 |
| Loan loss allowance to noncurrent loans | 39.5954% | 6,081 |
| Noncurrent assets plus other real estate owned to assets | 5.1522% | 661 |
| Noncurrent loans to loans | 4.9188% | 911 |
| Net loans and leases to total assets | 78.8105% | 1,930 |
| Net loans and leases to deposits | 89.3561% | 3,560 |
| Net loans and leases to core deposits | 131.0162% | 1,779 |
| Total domestic deposits to total assets | 88.1982% | 1,385 |
| Equity capital to assets | 11.2803% | 2,820 |
| Core capital (leverage) ratio | 10.3442% | 3,126 |
| Tier 1 risk-based capital ratio | 10.8751% | 5,837 |
| Total risk-based capital ratio | 12.1292% | 5,749 |
| Memoranda: | ||
| Average total assets | $229,251,800 | 2,771 |
| Average earning assets | $212,559,200 | 2,742 |
| Average equity | $33,200,000 | 2,037 |
| Average total loans | $183,397,200 | 2,469 |