Home > The Business Bank > Performance and Condition Ratios
The Business Bank, Performance and Condition Ratios
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0986% | 3,740 |
| Cost of funding earning assets | 0.5755% | 2,880 |
| Net interest margin | 3.5231% | 3,794 |
| Noninterest income to average assets | 0.2819% | 5,341 |
| Noninterest expense to average assets | 3.0200% | 2,997 |
| Loan and lease loss provision to assets | 0.1686% | 2,172 |
| Net operating income to assets | 0.2938% | 5,543 |
| Return on assets (ROA) | 0.2938% | 5,637 |
| Pretax return on assets | 0.4466% | 5,370 |
| Return on Equity (ROE) | 3.2080% | 5,427 |
| Retained earnings to average equity (ytd only) | 2.7402% | 4,285 |
| Net charge-offs to loans | 0.4247% | 1,574 |
| Credit loss provision to net charge-offs | 56.5173% | 3,661 |
| Earnings coverage of net charge-offs (x) | 2.0621% | 4,359 |
| Efficiency ratio | 83.0771% | 1,742 |
| Assets per employee ($millions) | 5.2117% | 1,949 |
| Cash dividends to net income (ytd only)* | 14.5812% | 3,889 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2071% | 4,623 |
| Loan loss allowance to noncurrent loans | 287.1498% | 1,547 |
| Noncurrent assets plus other real estate owned to assets | 0.3103% | 5,331 |
| Noncurrent loans to loans | 0.4204% | 4,941 |
| Net loans and leases to total assets | 72.9253% | 1,533 |
| Net loans and leases to deposits | 80.6972% | 2,361 |
| Net loans and leases to core deposits | 84.3286% | 2,636 |
| Total domestic deposits to total assets | 90.3690% | 897 |
| Equity capital to assets | 9.1489% | 4,871 |
| Core capital (leverage) ratio | 9.2485% | 4,640 |
| Tier 1 risk-based capital ratio | 12.0963% | 5,562 |
| Total risk-based capital ratio | 13.2745% | 5,538 |
| Memoranda: | ||
| Average total assets | $329,170,400 | 1,959 |
| Average earning assets | $313,302,800 | 1,889 |
| Average equity | $30,143,400 | 2,245 |
| Average total loans | $231,234,800 | 1,779 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0866% | 3,817 |
| Cost of funding earning assets | 0.5909% | 2,887 |
| Net interest margin | 3.4956% | 3,902 |
| Noninterest income to average assets | 0.2800% | 5,442 |
| Noninterest expense to average assets | 2.9488% | 3,144 |
| Loan and lease loss provision to assets | 0.1626% | 2,225 |
| Net operating income to assets | 0.3272% | 5,502 |
| Return on assets (ROA) | 0.3272% | 5,634 |
| Pretax return on assets | 0.4958% | 5,368 |
| Return on Equity (ROE) | 3.5717% | 5,406 |
| Retained earnings to average equity (ytd only) | 3.0836% | 4,475 |
| Net charge-offs to loans | 0.1799% | 2,784 |
| Credit loss provision to net charge-offs | 130.2932% | 1,812 |
| Earnings coverage of net charge-offs (x) | 5.2769% | 3,234 |
| Efficiency ratio | 81.7485% | 1,857 |
| Assets per employee ($millions) | 4.6041% | 2,712 |
| Cash dividends to net income (ytd only)* | 13.6643% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4888% | 3,506 |
| Loan loss allowance to noncurrent loans | 686.0511% | 688 |
| Noncurrent assets plus other real estate owned to assets | 0.1756% | 5,916 |
| Noncurrent loans to loans | 0.2170% | 5,691 |
| Net loans and leases to total assets | 70.6826% | 1,838 |
| Net loans and leases to deposits | 78.2620% | 2,618 |
| Net loans and leases to core deposits | 81.9247% | 2,882 |
| Total domestic deposits to total assets | 90.3153% | 834 |
| Equity capital to assets | 9.2971% | 4,809 |
| Core capital (leverage) ratio | 9.2058% | 4,825 |
| Tier 1 risk-based capital ratio | 12.7257% | 5,309 |
| Total risk-based capital ratio | 13.9781% | 5,255 |
| Memoranda: | ||
| Average total assets | $328,076,250 | 1,975 |
| Average earning assets | $312,267,250 | 1,913 |
| Average equity | $30,050,250 | 2,268 |
| Average total loans | $227,490,500 | 1,806 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0853% | 3,795 |
| Cost of funding earning assets | 0.6017% | 2,922 |
| Net interest margin | 3.4836% | 3,847 |
| Noninterest income to average assets | 0.2636% | 5,570 |
| Noninterest expense to average assets | 2.9378% | 3,209 |
| Loan and lease loss provision to assets | 0.1522% | 2,421 |
| Net operating income to assets | 0.3264% | 5,499 |
| Return on assets (ROA) | 0.3264% | 5,658 |
| Pretax return on assets | 0.4944% | 5,400 |
| Return on Equity (ROE) | 3.5809% | 5,389 |
| Retained earnings to average equity (ytd only) | 3.0598% | 4,372 |
| Net charge-offs to loans | -0.0169% | 5,910 |
| Credit loss provision to net charge-offs | -1,315.7895% | 6,074 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.9603% | 1,890 |
| Assets per employee ($millions) | 4.4786% | 2,842 |
| Cash dividends to net income (ytd only)* | 14.5522% | 3,184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6121% | 3,107 |
| Loan loss allowance to noncurrent loans | 439.2814% | 979 |
| Noncurrent assets plus other real estate owned to assets | 0.2716% | 5,677 |
| Noncurrent loans to loans | 0.3670% | 5,358 |
| Net loans and leases to total assets | 67.5477% | 2,332 |
| Net loans and leases to deposits | 74.6804% | 3,054 |
| Net loans and leases to core deposits | 79.0071% | 3,166 |
| Total domestic deposits to total assets | 90.4491% | 783 |
| Equity capital to assets | 9.0902% | 5,117 |
| Core capital (leverage) ratio | 9.2928% | 4,553 |
| Tier 1 risk-based capital ratio | 12.9535% | 5,175 |
| Total risk-based capital ratio | 14.2074% | 5,109 |
| Memoranda: | ||
| Average total assets | $328,472,330 | 1,979 |
| Average earning assets | $313,122,670 | 1,909 |
| Average equity | $29,936,670 | 2,275 |
| Average total loans | $225,139,000 | 1,824 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0986% | 3,736 |
| Cost of funding earning assets | 0.6175% | 2,944 |
| Net interest margin | 3.4811% | 3,778 |
| Noninterest income to average assets | 0.2251% | 5,857 |
| Noninterest expense to average assets | 2.8978% | 3,355 |
| Loan and lease loss provision to assets | 0.1835% | 2,009 |
| Net operating income to assets | 0.2997% | 5,565 |
| Return on assets (ROA) | 0.2997% | 5,691 |
| Pretax return on assets | 0.4538% | 5,403 |
| Return on Equity (ROE) | 3.2840% | 5,440 |
| Retained earnings to average equity (ytd only) | 3.2840% | 4,278 |
| Net charge-offs to loans | -0.0107% | 5,468 |
| Credit loss provision to net charge-offs | -2,500.0000% | 5,787 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.9723% | 2,042 |
| Assets per employee ($millions) | 4.4626% | 3,043 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5795% | 3,488 |
| Loan loss allowance to noncurrent loans | 429.3478% | 976 |
| Noncurrent assets plus other real estate owned to assets | 0.2741% | 5,743 |
| Noncurrent loans to loans | 0.3679% | 5,482 |
| Net loans and leases to total assets | 67.9961% | 2,009 |
| Net loans and leases to deposits | 75.2479% | 2,737 |
| Net loans and leases to core deposits | 79.6413% | 2,852 |
| Total domestic deposits to total assets | 90.3628% | 843 |
| Equity capital to assets | 9.1976% | 5,255 |
| Core capital (leverage) ratio | 9.3474% | 4,329 |
| Tier 1 risk-based capital ratio | 13.1558% | 5,100 |
| Total risk-based capital ratio | 14.4107% | 5,049 |
| Memoranda: | ||
| Average total assets | $327,002,000 | 2,016 |
| Average earning assets | $310,937,000 | 1,952 |
| Average equity | $29,842,000 | 2,308 |
| Average total loans | $223,943,500 | 1,837 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2645% | 4,344 |
| Cost of funding earning assets | 0.8323% | 2,409 |
| Net interest margin | 3.4322% | 4,769 |
| Noninterest income to average assets | 0.2529% | 5,655 |
| Noninterest expense to average assets | 2.8984% | 3,649 |
| Loan and lease loss provision to assets | 0.1539% | 3,686 |
| Net operating income to assets | 0.2985% | 5,473 |
| Return on assets (ROA) | 0.3019% | 5,670 |
| Pretax return on assets | 0.4465% | 5,439 |
| Return on Equity (ROE) | 3.3388% | 5,411 |
| Retained earnings to average equity (ytd only) | 2.8113% | 4,261 |
| Net charge-offs to loans | 0.1555% | 4,146 |
| Credit loss provision to net charge-offs | 148.8095% | 1,833 |
| Earnings coverage of net charge-offs (x) | 5.7589% | 2,957 |
| Efficiency ratio | 82.9575% | 1,751 |
| Assets per employee ($millions) | 4.3189% | 3,311 |
| Cash dividends to net income (ytd only)* | 15.8002% | 3,898 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5254% | 3,645 |
| Loan loss allowance to noncurrent loans | 281.3742% | 1,369 |
| Noncurrent assets plus other real estate owned to assets | 0.3878% | 5,517 |
| Noncurrent loans to loans | 0.5421% | 5,171 |
| Net loans and leases to total assets | 66.8493% | 2,391 |
| Net loans and leases to deposits | 73.9332% | 3,096 |
| Net loans and leases to core deposits | 78.1303% | 3,242 |
| Total domestic deposits to total assets | 90.4184% | 741 |
| Equity capital to assets | 9.0548% | 5,459 |
| Core capital (leverage) ratio | 8.9164% | 5,021 |
| Tier 1 risk-based capital ratio | 12.8890% | 5,187 |
| Total risk-based capital ratio | 14.1408% | 5,125 |
| Memoranda: | ||
| Average total assets | $324,977,800 | 1,979 |
| Average earning assets | $306,861,200 | 1,929 |
| Average equity | $29,381,800 | 2,290 |
| Average total loans | $216,016,600 | 1,874 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3199% | 4,371 |
| Cost of funding earning assets | 0.8627% | 2,443 |
| Net interest margin | 3.4572% | 4,817 |
| Noninterest income to average assets | 0.2135% | 6,013 |
| Noninterest expense to average assets | 2.8281% | 3,880 |
| Loan and lease loss provision to assets | 0.1851% | 3,272 |
| Net operating income to assets | 0.3110% | 5,580 |
| Return on assets (ROA) | 0.3155% | 5,764 |
| Pretax return on assets | 0.4656% | 5,551 |
| Return on Equity (ROE) | 3.4906% | 5,495 |
| Retained earnings to average equity (ytd only) | 2.9354% | 4,801 |
| Net charge-offs to loans | 0.2090% | 3,476 |
| Credit loss provision to net charge-offs | 133.9286% | 2,152 |
| Earnings coverage of net charge-offs (x) | 4.6607% | 3,237 |
| Efficiency ratio | 81.4499% | 1,873 |
| Assets per employee ($millions) | 4.5323% | 2,858 |
| Cash dividends to net income (ytd only)* | 15.9059% | 3,227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5763% | 3,617 |
| Loan loss allowance to noncurrent loans | 409.9143% | 911 |
| Noncurrent assets plus other real estate owned to assets | 0.2595% | 6,048 |
| Noncurrent loans to loans | 0.3846% | 5,699 |
| Net loans and leases to total assets | 61.5149% | 3,475 |
| Net loans and leases to deposits | 67.5933% | 4,245 |
| Net loans and leases to core deposits | 71.6340% | 4,299 |
| Total domestic deposits to total assets | 91.0074% | 409 |
| Equity capital to assets | 8.6955% | 6,106 |
| Core capital (leverage) ratio | 8.9093% | 5,183 |
| Tier 1 risk-based capital ratio | 13.4100% | 4,942 |
| Total risk-based capital ratio | 14.6635% | 4,895 |
| Memoranda: | ||
| Average total assets | $324,163,750 | 2,001 |
| Average earning assets | $305,554,500 | 1,952 |
| Average equity | $29,297,000 | 2,315 |
| Average total loans | $214,315,500 | 1,909 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4540% | 3,963 |
| Cost of funding earning assets | 0.8963% | 2,433 |
| Net interest margin | 3.5577% | 4,428 |
| Noninterest income to average assets | 0.2320% | 5,913 |
| Noninterest expense to average assets | 2.8773% | 3,716 |
| Loan and lease loss provision to assets | 0.1881% | 3,219 |
| Net operating income to assets | 0.3405% | 5,464 |
| Return on assets (ROA) | 0.3405% | 5,686 |
| Pretax return on assets | 0.5023% | 5,430 |
| Return on Equity (ROE) | 3.7179% | 5,397 |
| Retained earnings to average equity (ytd only) | 3.1085% | 4,565 |
| Net charge-offs to loans | -0.0037% | 6,132 |
| Credit loss provision to net charge-offs | -7,500.0000% | 6,587 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.6469% | 2,081 |
| Assets per employee ($millions) | 4.3975% | 3,093 |
| Cash dividends to net income (ytd only)* | 16.3904% | 3,104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6297% | 3,499 |
| Loan loss allowance to noncurrent loans | 343.2590% | 1,046 |
| Noncurrent assets plus other real estate owned to assets | 0.3414% | 5,909 |
| Noncurrent loans to loans | 0.4748% | 5,581 |
| Net loans and leases to total assets | 66.5422% | 2,560 |
| Net loans and leases to deposits | 73.5071% | 3,377 |
| Net loans and leases to core deposits | 78.4324% | 3,457 |
| Total domestic deposits to total assets | 90.5249% | 647 |
| Equity capital to assets | 9.1552% | 5,511 |
| Core capital (leverage) ratio | 9.1709% | 4,659 |
| Tier 1 risk-based capital ratio | 13.1025% | 5,115 |
| Total risk-based capital ratio | 14.3567% | 5,090 |
| Memoranda: | ||
| Average total assets | $318,910,330 | 2,032 |
| Average earning assets | $299,012,330 | 1,989 |
| Average equity | $29,210,000 | 2,306 |
| Average total loans | $214,936,330 | 1,904 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5509% | 3,712 |
| Cost of funding earning assets | 0.9156% | 2,566 |
| Net interest margin | 3.6354% | 4,110 |
| Noninterest income to average assets | 0.2655% | 5,748 |
| Noninterest expense to average assets | 2.9032% | 3,610 |
| Loan and lease loss provision to assets | 0.1888% | 3,072 |
| Net operating income to assets | 0.3863% | 5,316 |
| Return on assets (ROA) | 0.3863% | 5,496 |
| Pretax return on assets | 0.5713% | 5,213 |
| Return on Equity (ROE) | 4.2170% | 5,188 |
| Retained earnings to average equity (ytd only) | 4.2170% | 4,061 |
| Net charge-offs to loans | -0.0075% | 5,871 |
| Credit loss provision to net charge-offs | -3,750.0000% | 6,161 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.2511% | 2,309 |
| Assets per employee ($millions) | 4.5327% | 2,932 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5953% | 3,740 |
| Loan loss allowance to noncurrent loans | 215.4482% | 1,535 |
| Noncurrent assets plus other real estate owned to assets | 0.5090% | 5,591 |
| Noncurrent loans to loans | 0.7405% | 5,186 |
| Net loans and leases to total assets | 64.9566% | 2,660 |
| Net loans and leases to deposits | 71.7265% | 3,469 |
| Net loans and leases to core deposits | 77.1152% | 3,455 |
| Total domestic deposits to total assets | 90.5615% | 771 |
| Equity capital to assets | 9.0936% | 5,367 |
| Core capital (leverage) ratio | 9.1792% | 4,551 |
| Tier 1 risk-based capital ratio | 13.3136% | 4,965 |
| Total risk-based capital ratio | 14.5688% | 4,953 |
| Memoranda: | ||
| Average total assets | $317,856,000 | 2,046 |
| Average earning assets | $297,081,500 | 2,001 |
| Average equity | $29,120,000 | 2,316 |
| Average total loans | $213,828,500 | 1,918 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8971% | 3,373 |
| Cost of funding earning assets | 1.1048% | 2,639 |
| Net interest margin | 3.7924% | 3,862 |
| Noninterest income to average assets | 0.2155% | 5,981 |
| Noninterest expense to average assets | 3.0509% | 3,387 |
| Loan and lease loss provision to assets | 0.2629% | 3,589 |
| Net operating income to assets | 0.4486% | 4,653 |
| Return on assets (ROA) | 0.4486% | 4,856 |
| Pretax return on assets | 0.5441% | 4,861 |
| Return on Equity (ROE) | 4.5912% | 4,578 |
| Retained earnings to average equity (ytd only) | 3.9157% | 3,425 |
| Net charge-offs to loans | 0.2577% | 4,164 |
| Credit loss provision to net charge-offs | 141.1439% | 2,077 |
| Earnings coverage of net charge-offs (x) | 4.3321% | 3,162 |
| Efficiency ratio | 79.0805% | 2,430 |
| Assets per employee ($millions) | 4.4842% | 2,938 |
| Cash dividends to net income (ytd only)* | 14.7126% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5031% | 4,008 |
| Loan loss allowance to noncurrent loans | 193.4809% | 1,712 |
| Noncurrent assets plus other real estate owned to assets | 0.5327% | 5,641 |
| Noncurrent loans to loans | 0.7769% | 5,131 |
| Net loans and leases to total assets | 67.5359% | 2,485 |
| Net loans and leases to deposits | 74.6443% | 3,394 |
| Net loans and leases to core deposits | 80.4625% | 3,394 |
| Total domestic deposits to total assets | 90.4769% | 734 |
| Equity capital to assets | 9.2309% | 5,242 |
| Core capital (leverage) ratio | 9.3214% | 4,294 |
| Tier 1 risk-based capital ratio | 13.0482% | 5,025 |
| Total risk-based capital ratio | 14.3005% | 5,004 |
| Memoranda: | ||
| Average total assets | $290,930,400 | 2,191 |
| Average earning assets | $279,429,000 | 2,103 |
| Average equity | $28,424,000 | 2,301 |
| Average total loans | $210,357,000 | 1,954 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9709% | 3,241 |
| Cost of funding earning assets | 1.1321% | 2,756 |
| Net interest margin | 3.8388% | 3,676 |
| Noninterest income to average assets | 0.2132% | 6,090 |
| Noninterest expense to average assets | 3.0655% | 3,297 |
| Loan and lease loss provision to assets | 0.2665% | 3,377 |
| Net operating income to assets | 0.3965% | 5,016 |
| Return on assets (ROA) | 0.3965% | 5,196 |
| Pretax return on assets | 0.5844% | 4,865 |
| Return on Equity (ROE) | 3.9971% | 4,989 |
| Retained earnings to average equity (ytd only) | 3.3797% | 4,325 |
| Net charge-offs to loans | 0.2690% | 3,759 |
| Credit loss provision to net charge-offs | 135.0711% | 2,362 |
| Earnings coverage of net charge-offs (x) | 4.3128% | 3,109 |
| Efficiency ratio | 78.2738% | 2,512 |
| Assets per employee ($millions) | 4.2044% | 3,427 |
| Cash dividends to net income (ytd only)* | 15.4479% | 3,103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4868% | 4,168 |
| Loan loss allowance to noncurrent loans | 535.5932% | 621 |
| Noncurrent assets plus other real estate owned to assets | 0.2005% | 6,560 |
| Noncurrent loans to loans | 0.2776% | 6,309 |
| Net loans and leases to total assets | 71.1406% | 1,875 |
| Net loans and leases to deposits | 79.0783% | 2,800 |
| Net loans and leases to core deposits | 85.8578% | 2,790 |
| Total domestic deposits to total assets | 89.9621% | 887 |
| Equity capital to assets | 9.7195% | 4,747 |
| Core capital (leverage) ratio | 9.8807% | 3,604 |
| Tier 1 risk-based capital ratio | 12.8459% | 5,209 |
| Total risk-based capital ratio | 14.0982% | 5,183 |
| Memoranda: | ||
| Average total assets | $285,190,250 | 2,235 |
| Average earning assets | $275,114,750 | 2,137 |
| Average equity | $28,286,250 | 2,312 |
| Average total loans | $209,140,250 | 1,986 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9761% | 3,283 |
| Cost of funding earning assets | 1.1397% | 2,972 |
| Net interest margin | 3.8364% | 3,609 |
| Noninterest income to average assets | 0.2318% | 5,993 |
| Noninterest expense to average assets | 3.0721% | 3,354 |
| Loan and lease loss provision to assets | 0.2658% | 3,277 |
| Net operating income to assets | 0.4040% | 4,926 |
| Return on assets (ROA) | 0.4040% | 5,085 |
| Pretax return on assets | 0.5947% | 4,755 |
| Return on Equity (ROE) | 4.0454% | 4,922 |
| Retained earnings to average equity (ytd only) | 3.6835% | 3,878 |
| Net charge-offs to loans | -0.0029% | 6,544 |
| Credit loss provision to net charge-offs | -12,500.0000% | 6,819 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1182% | 2,691 |
| Assets per employee ($millions) | 4.2735% | 3,209 |
| Cash dividends to net income (ytd only)* | 8.9474% | 3,150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5828% | 3,766 |
| Loan loss allowance to noncurrent loans | 339.6794% | 939 |
| Noncurrent assets plus other real estate owned to assets | 0.3538% | 6,246 |
| Noncurrent loans to loans | 0.4660% | 5,976 |
| Net loans and leases to total assets | 74.7355% | 1,276 |
| Net loans and leases to deposits | 83.3965% | 2,203 |
| Net loans and leases to core deposits | 90.6368% | 2,297 |
| Total domestic deposits to total assets | 89.6147% | 1,178 |
| Equity capital to assets | 10.0836% | 4,037 |
| Core capital (leverage) ratio | 9.9476% | 3,327 |
| Tier 1 risk-based capital ratio | 12.7512% | 5,127 |
| Total risk-based capital ratio | 14.0048% | 5,099 |
| Memoranda: | ||
| Average total assets | $282,151,670 | 2,270 |
| Average earning assets | $272,179,330 | 2,159 |
| Average equity | $28,180,000 | 2,300 |
| Average total loans | $208,010,000 | 2,018 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9053% | 3,563 |
| Cost of funding earning assets | 1.1314% | 3,289 |
| Net interest margin | 3.7739% | 3,740 |
| Noninterest income to average assets | 0.2523% | 5,881 |
| Noninterest expense to average assets | 3.0957% | 3,261 |
| Loan and lease loss provision to assets | 0.2551% | 3,104 |
| Net operating income to assets | 0.3657% | 5,098 |
| Return on assets (ROA) | 0.3657% | 5,183 |
| Pretax return on assets | 0.5372% | 4,906 |
| Return on Equity (ROE) | 3.6792% | 5,054 |
| Retained earnings to average equity (ytd only) | 2.9519% | 4,393 |
| Net charge-offs to loans | -0.0059% | 6,268 |
| Credit loss provision to net charge-offs | -6,000.0000% | 6,394 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6209% | 2,599 |
| Assets per employee ($millions) | 4.3819% | 3,074 |
| Cash dividends to net income (ytd only)* | 19.7674% | 2,212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5587% | 3,924 |
| Loan loss allowance to noncurrent loans | 205.4662% | 1,453 |
| Noncurrent assets plus other real estate owned to assets | 0.5377% | 5,890 |
| Noncurrent loans to loans | 0.7586% | 5,511 |
| Net loans and leases to total assets | 69.7705% | 2,174 |
| Net loans and leases to deposits | 77.5524% | 3,146 |
| Net loans and leases to core deposits | 84.3660% | 3,119 |
| Total domestic deposits to total assets | 89.9656% | 1,168 |
| Equity capital to assets | 9.7284% | 4,140 |
| Core capital (leverage) ratio | 9.5039% | 3,797 |
| Tier 1 risk-based capital ratio | 12.4444% | 5,313 |
| Total risk-based capital ratio | 13.6945% | 5,293 |
| Memoranda: | ||
| Average total assets | $282,201,500 | 2,286 |
| Average earning assets | $271,870,500 | 2,187 |
| Average equity | $28,049,500 | 2,296 |
| Average total loans | $204,923,500 | 2,052 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6220% | 1,812 |
| Cost of funding earning assets | 1.2851% | 3,982 |
| Net interest margin | 4.3369% | 1,694 |
| Noninterest income to average assets | 0.1623% | 6,555 |
| Noninterest expense to average assets | 3.1677% | 3,201 |
| Loan and lease loss provision to assets | 0.1824% | 5,398 |
| Net operating income to assets | 0.6411% | 3,482 |
| Return on assets (ROA) | 0.6424% | 3,624 |
| Pretax return on assets | 0.9290% | 3,163 |
| Return on Equity (ROE) | 6.2030% | 3,514 |
| Retained earnings to average equity (ytd only) | 4.9367% | 2,450 |
| Net charge-offs to loans | 0.1179% | 5,704 |
| Credit loss provision to net charge-offs | 200.0000% | 1,561 |
| Earnings coverage of net charge-offs (x) | 12.1625% | 1,536 |
| Efficiency ratio | 74.0603% | 3,387 |
| Assets per employee ($millions) | 4.2338% | 3,320 |
| Cash dividends to net income (ytd only)* | 20.4142% | 3,434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4697% | 4,187 |
| Loan loss allowance to noncurrent loans | 195.3926% | 1,528 |
| Noncurrent assets plus other real estate owned to assets | 0.5600% | 5,906 |
| Noncurrent loans to loans | 0.7522% | 5,539 |
| Net loans and leases to total assets | 73.3513% | 1,798 |
| Net loans and leases to deposits | 81.9718% | 2,816 |
| Net loans and leases to core deposits | 89.9227% | 2,776 |
| Total domestic deposits to total assets | 89.4836% | 1,388 |
| Equity capital to assets | 10.1614% | 3,546 |
| Core capital (leverage) ratio | 9.3610% | 3,909 |
| Tier 1 risk-based capital ratio | 12.4072% | 5,104 |
| Total risk-based capital ratio | 13.6592% | 5,083 |
| Memoranda: | ||
| Average total assets | $263,090,800 | 2,426 |
| Average earning assets | $249,627,600 | 2,345 |
| Average equity | $27,244,800 | 2,358 |
| Average total loans | $203,562,600 | 2,123 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6663% | 1,823 |
| Cost of funding earning assets | 1.3008% | 4,213 |
| Net interest margin | 4.3654% | 1,627 |
| Noninterest income to average assets | 0.1543% | 6,755 |
| Noninterest expense to average assets | 3.3360% | 2,464 |
| Loan and lease loss provision to assets | 0.1692% | 5,350 |
| Net operating income to assets | 0.5263% | 4,197 |
| Return on assets (ROA) | 0.5281% | 4,365 |
| Pretax return on assets | 0.7808% | 3,979 |
| Return on Equity (ROE) | 5.0741% | 4,249 |
| Retained earnings to average equity (ytd only) | 3.7489% | 3,824 |
| Net charge-offs to loans | 0.1279% | 5,271 |
| Credit loss provision to net charge-offs | 169.2308% | 2,196 |
| Earnings coverage of net charge-offs (x) | 9.4771% | 2,015 |
| Efficiency ratio | 77.8815% | 2,640 |
| Assets per employee ($millions) | 4.1496% | 3,547 |
| Cash dividends to net income (ytd only)* | 26.1167% | 2,708 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4028% | 4,440 |
| Loan loss allowance to noncurrent loans | 153.9195% | 1,842 |
| Noncurrent assets plus other real estate owned to assets | 0.7000% | 5,715 |
| Noncurrent loans to loans | 0.9114% | 5,421 |
| Net loans and leases to total assets | 75.7248% | 1,458 |
| Net loans and leases to deposits | 84.7470% | 2,566 |
| Net loans and leases to core deposits | 92.8160% | 2,681 |
| Total domestic deposits to total assets | 89.3539% | 1,199 |
| Equity capital to assets | 10.1800% | 3,905 |
| Core capital (leverage) ratio | 10.2019% | 3,042 |
| Tier 1 risk-based capital ratio | 12.3388% | 5,129 |
| Total risk-based capital ratio | 13.5904% | 5,104 |
| Memoranda: | ||
| Average total assets | $260,063,750 | 2,491 |
| Average earning assets | $245,987,250 | 2,410 |
| Average equity | $27,065,000 | 2,406 |
| Average total loans | $203,235,000 | 2,162 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6617% | 1,905 |
| Cost of funding earning assets | 1.3170% | 4,432 |
| Net interest margin | 4.3448% | 1,617 |
| Noninterest income to average assets | 0.1565% | 6,770 |
| Noninterest expense to average assets | 3.3670% | 2,350 |
| Loan and lease loss provision to assets | 0.1635% | 5,253 |
| Net operating income to assets | 0.5082% | 4,289 |
| Return on assets (ROA) | 0.5108% | 4,425 |
| Pretax return on assets | 0.7530% | 4,055 |
| Return on Equity (ROE) | 4.8712% | 4,352 |
| Retained earnings to average equity (ytd only) | 3.4603% | 3,902 |
| Net charge-offs to loans | 0.2060% | 4,381 |
| Credit loss provision to net charge-offs | 100.9615% | 4,038 |
| Earnings coverage of net charge-offs (x) | 5.6346% | 2,627 |
| Efficiency ratio | 78.6754% | 2,629 |
| Assets per employee ($millions) | 3.7026% | 4,461 |
| Cash dividends to net income (ytd only)* | 28.9634% | 2,552 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3321% | 4,760 |
| Loan loss allowance to noncurrent loans | 105.5979% | 2,630 |
| Noncurrent assets plus other real estate owned to assets | 1.0279% | 5,083 |
| Noncurrent loans to loans | 1.2615% | 4,857 |
| Net loans and leases to total assets | 80.3927% | 741 |
| Net loans and leases to deposits | 90.3528% | 1,800 |
| Net loans and leases to core deposits | 99.2539% | 2,098 |
| Total domestic deposits to total assets | 88.9765% | 1,454 |
| Equity capital to assets | 10.6411% | 3,231 |
| Core capital (leverage) ratio | 10.3786% | 2,737 |
| Tier 1 risk-based capital ratio | 12.2295% | 5,096 |
| Total risk-based capital ratio | 13.4803% | 5,067 |
| Memoranda: | ||
| Average total assets | $256,843,670 | 2,539 |
| Average earning assets | $243,742,000 | 2,455 |
| Average equity | $26,934,000 | 2,414 |
| Average total loans | $201,928,670 | 2,197 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6069% | 2,124 |
| Cost of funding earning assets | 1.3505% | 4,492 |
| Net interest margin | 4.2565% | 1,834 |
| Noninterest income to average assets | 0.1942% | 6,575 |
| Noninterest expense to average assets | 3.3395% | 2,394 |
| Loan and lease loss provision to assets | 0.1631% | 4,895 |
| Net operating income to assets | 0.4908% | 4,437 |
| Return on assets (ROA) | 0.4908% | 4,571 |
| Pretax return on assets | 0.7207% | 4,162 |
| Return on Equity (ROE) | 4.7150% | 4,528 |
| Retained earnings to average equity (ytd only) | 3.9391% | 3,776 |
| Net charge-offs to loans | 0.3360% | 3,066 |
| Credit loss provision to net charge-offs | 62.8743% | 4,243 |
| Earnings coverage of net charge-offs (x) | 3.4072% | 2,917 |
| Efficiency ratio | 79.0732% | 2,710 |
| Assets per employee ($millions) | 3.9099% | 4,071 |
| Cash dividends to net income (ytd only)* | 16.4557% | 2,302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3478% | 4,688 |
| Loan loss allowance to noncurrent loans | 166.4005% | 1,679 |
| Noncurrent assets plus other real estate owned to assets | 1.4986% | 4,260 |
| Noncurrent loans to loans | 0.8099% | 5,693 |
| Net loans and leases to total assets | 79.2429% | 942 |
| Net loans and leases to deposits | 89.2178% | 2,031 |
| Net loans and leases to core deposits | 97.6101% | 2,386 |
| Total domestic deposits to total assets | 88.8196% | 1,607 |
| Equity capital to assets | 10.7704% | 2,977 |
| Core capital (leverage) ratio | 9.9495% | 3,226 |
| Tier 1 risk-based capital ratio | 12.3032% | 4,903 |
| Total risk-based capital ratio | 13.5550% | 4,860 |
| Memoranda: | ||
| Average total assets | $257,524,500 | 2,583 |
| Average earning assets | $243,770,500 | 2,504 |
| Average equity | $26,808,000 | 2,448 |
| Average total loans | $198,812,000 | 2,286 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8191% | 2,581 |
| Cost of funding earning assets | 1.6898% | 4,572 |
| Net interest margin | 4.1294% | 2,318 |
| Noninterest income to average assets | 0.2156% | 6,571 |
| Noninterest expense to average assets | 3.3218% | 2,943 |
| Loan and lease loss provision to assets | 0.1556% | 6,117 |
| Net operating income to assets | 0.4859% | 3,790 |
| Return on assets (ROA) | 0.4906% | 3,868 |
| Pretax return on assets | 0.6668% | 3,694 |
| Return on Equity (ROE) | 4.7863% | 3,760 |
| Retained earnings to average equity (ytd only) | 3.1974% | 2,919 |
| Net charge-offs to loans | 0.1180% | 5,995 |
| Credit loss provision to net charge-offs | 169.7368% | 2,516 |
| Earnings coverage of net charge-offs (x) | 8.8991% | 1,871 |
| Efficiency ratio | 80.2799% | 2,846 |
| Assets per employee ($millions) | 4.0124% | 3,795 |
| Cash dividends to net income (ytd only)* | 33.1967% | 3,196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4093% | 4,184 |
| Loan loss allowance to noncurrent loans | 1,365.0246% | 283 |
| Noncurrent assets plus other real estate owned to assets | 0.8780% | 5,350 |
| Noncurrent loans to loans | 0.1032% | 7,154 |
| Net loans and leases to total assets | 73.2025% | 2,449 |
| Net loans and leases to deposits | 81.9750% | 3,619 |
| Net loans and leases to core deposits | 103.8274% | 3,589 |
| Total domestic deposits to total assets | 89.2986% | 1,333 |
| Equity capital to assets | 10.0693% | 3,665 |
| Core capital (leverage) ratio | 9.5484% | 3,661 |
| Tier 1 risk-based capital ratio | 12.0972% | 4,852 |
| Total risk-based capital ratio | 13.3475% | 4,823 |
| Memoranda: | ||
| Average total assets | $248,657,600 | 2,620 |
| Average earning assets | $236,185,800 | 2,544 |
| Average equity | $25,489,200 | 2,564 |
| Average total loans | $193,254,600 | 2,362 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9146% | 2,385 |
| Cost of funding earning assets | 1.7497% | 4,635 |
| Net interest margin | 4.1650% | 2,168 |
| Noninterest income to average assets | 0.2180% | 6,669 |
| Noninterest expense to average assets | 3.3390% | 2,772 |
| Loan and lease loss provision to assets | 0.1537% | 5,817 |
| Net operating income to assets | 0.4769% | 4,085 |
| Return on assets (ROA) | 0.4807% | 4,168 |
| Pretax return on assets | 0.6906% | 3,892 |
| Return on Equity (ROE) | 4.6674% | 4,090 |
| Retained earnings to average equity (ytd only) | 3.1275% | 3,572 |
| Net charge-offs to loans | 0.0229% | 6,570 |
| Credit loss provision to net charge-offs | 854.5455% | 447 |
| Earnings coverage of net charge-offs (x) | 46.6352% | 672 |
| Efficiency ratio | 79.9217% | 2,858 |
| Assets per employee ($millions) | 3.7848% | 4,214 |
| Cash dividends to net income (ytd only)* | 32.9932% | 2,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4676% | 3,609 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.8536% | 5,391 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 78.0773% | 1,554 |
| Net loans and leases to deposits | 88.0625% | 2,942 |
| Net loans and leases to core deposits | 112.8587% | 2,945 |
| Total domestic deposits to total assets | 88.6612% | 1,360 |
| Equity capital to assets | 10.7746% | 3,226 |
| Core capital (leverage) ratio | 10.2649% | 3,006 |
| Tier 1 risk-based capital ratio | 12.5269% | 4,520 |
| Total risk-based capital ratio | 13.7787% | 4,472 |
| Memoranda: | ||
| Average total assets | $244,618,000 | 2,678 |
| Average earning assets | $232,569,500 | 2,592 |
| Average equity | $25,195,250 | 2,615 |
| Average total loans | $192,412,500 | 2,399 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8234% | 2,940 |
| Cost of funding earning assets | 1.7786% | 4,868 |
| Net interest margin | 4.0447% | 2,525 |
| Noninterest income to average assets | 0.1851% | 6,968 |
| Noninterest expense to average assets | 3.1734% | 3,418 |
| Loan and lease loss provision to assets | 0.1352% | 5,723 |
| Net operating income to assets | 0.5046% | 4,074 |
| Return on assets (ROA) | 0.5046% | 4,195 |
| Pretax return on assets | 0.7233% | 3,920 |
| Return on Equity (ROE) | 4.9762% | 4,086 |
| Retained earnings to average equity (ytd only) | 3.5463% | 3,328 |
| Net charge-offs to loans | 0.0125% | 6,378 |
| Credit loss provision to net charge-offs | 1,375.0000% | 366 |
| Earnings coverage of net charge-offs (x) | 87.3333% | 442 |
| Efficiency ratio | 78.7078% | 3,234 |
| Assets per employee ($millions) | 3.6907% | 4,350 |
| Cash dividends to net income (ytd only)* | 28.7338% | 2,890 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4458% | 3,491 |
| Loan loss allowance to noncurrent loans | 6,743.9024% | 78 |
| Noncurrent assets plus other real estate owned to assets | 0.8789% | 5,233 |
| Noncurrent loans to loans | 0.0214% | 7,492 |
| Net loans and leases to total assets | 77.3750% | 1,889 |
| Net loans and leases to deposits | 87.2086% | 3,319 |
| Net loans and leases to core deposits | 111.9688% | 3,136 |
| Total domestic deposits to total assets | 88.7240% | 1,417 |
| Equity capital to assets | 10.7985% | 3,116 |
| Core capital (leverage) ratio | 10.3310% | 2,972 |
| Tier 1 risk-based capital ratio | 12.5095% | 4,514 |
| Total risk-based capital ratio | 13.7361% | 4,457 |
| Memoranda: | ||
| Average total assets | $244,152,670 | 2,712 |
| Average earning assets | $232,202,670 | 2,602 |
| Average equity | $24,758,000 | 2,662 |
| Average total loans | $191,569,330 | 2,440 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7672% | 3,445 |
| Cost of funding earning assets | 1.8532% | 4,861 |
| Net interest margin | 3.9140% | 2,995 |
| Noninterest income to average assets | 0.1702% | 7,088 |
| Noninterest expense to average assets | 3.1452% | 3,207 |
| Loan and lease loss provision to assets | 0.1146% | 5,500 |
| Net operating income to assets | 0.4517% | 4,647 |
| Return on assets (ROA) | 0.4517% | 4,817 |
| Pretax return on assets | 0.6431% | 4,613 |
| Return on Equity (ROE) | 4.6029% | 4,658 |
| Retained earnings to average equity (ytd only) | 3.5689% | 3,910 |
| Net charge-offs to loans | 0.0104% | 5,487 |
| Credit loss provision to net charge-offs | 1,400.0000% | 453 |
| Earnings coverage of net charge-offs (x) | 92.6000% | 463 |
| Efficiency ratio | 80.5870% | 2,728 |
| Assets per employee ($millions) | 3.9545% | 3,764 |
| Cash dividends to net income (ytd only)* | 22.4638% | 2,506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4053% | 3,470 |
| Loan loss allowance to noncurrent loans | 127.4762% | 2,469 |
| Noncurrent assets plus other real estate owned to assets | 0.8429% | 5,084 |
| Noncurrent loans to loans | 1.1024% | 4,781 |
| Net loans and leases to total assets | 75.3909% | 2,410 |
| Net loans and leases to deposits | 84.5775% | 3,883 |
| Net loans and leases to core deposits | 106.5627% | 3,841 |
| Total domestic deposits to total assets | 89.1382% | 1,177 |
| Equity capital to assets | 10.4716% | 3,489 |
| Core capital (leverage) ratio | 10.2959% | 3,110 |
| Tier 1 risk-based capital ratio | 12.6708% | 4,416 |
| Total risk-based capital ratio | 13.9231% | 4,333 |
| Memoranda: | ||
| Average total assets | $244,434,500 | 2,718 |
| Average earning assets | $233,109,500 | 2,608 |
| Average equity | $23,985,000 | 2,769 |
| Average total loans | $191,733,000 | 2,449 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6417% | 2,281 |
| Cost of funding earning assets | 2.4640% | 4,400 |
| Net interest margin | 4.1776% | 2,396 |
| Noninterest income to average assets | 0.2632% | 6,570 |
| Noninterest expense to average assets | 3.5365% | 2,299 |
| Loan and lease loss provision to assets | 0.0525% | 6,756 |
| Net operating income to assets | 0.4708% | 4,865 |
| Return on assets (ROA) | 0.4756% | 4,668 |
| Pretax return on assets | 0.6617% | 4,512 |
| Return on Equity (ROE) | 5.1302% | 4,321 |
| Retained earnings to average equity (ytd only) | 3.6705% | 2,866 |
| Net charge-offs to loans | 0.0072% | 6,855 |
| Credit loss provision to net charge-offs | 923.0769% | 483 |
| Earnings coverage of net charge-offs (x) | 124.3077% | 360 |
| Efficiency ratio | 83.3265% | 2,136 |
| Assets per employee ($millions) | 3.8667% | 3,818 |
| Cash dividends to net income (ytd only)* | 28.4530% | 4,173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3536% | 3,460 |
| Loan loss allowance to noncurrent loans | 653.0000% | 693 |
| Noncurrent assets plus other real estate owned to assets | 0.1668% | 6,905 |
| Noncurrent loans to loans | 0.2073% | 6,769 |
| Net loans and leases to total assets | 79.4013% | 1,801 |
| Net loans and leases to deposits | 87.7386% | 3,839 |
| Net loans and leases to core deposits | 111.4680% | 3,618 |
| Total domestic deposits to total assets | 90.4975% | 489 |
| Equity capital to assets | 9.1275% | 5,183 |
| Core capital (leverage) ratio | 8.8925% | 4,902 |
| Tier 1 risk-based capital ratio | 10.1890% | 6,528 |
| Total risk-based capital ratio | 11.4396% | 6,396 |
| Memoranda: | ||
| Average total assets | $228,362,200 | 2,787 |
| Average earning assets | $217,611,000 | 2,681 |
| Average equity | $21,168,800 | 3,078 |
| Average total loans | $181,515,800 | 2,486 |