Home > The F&M Bank & Trust Company > Performance and Condition Ratios
The F&M Bank & Trust Company, Performance and Condition Ratios
2014-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.4893% | 5,453 |
Cost of funding earning assets | 0.3264% | 4,777 |
Net interest margin | 3.1629% | 5,044 |
Noninterest income to average assets | -0.1277% | 6,669 |
Noninterest expense to average assets | 10.2155% | 71 |
Loan and lease loss provision to assets | 1.6059% | 52 |
Net operating income to assets | -5.6142% | 6,715 |
Return on assets (ROA) | -5.6783% | 6,716 |
Pretax return on assets | -9.0925% | 6,723 |
Return on Equity (ROE) | -78.5712% | 6,709 |
Retained earnings to average equity (ytd only) | -168.0016% | 6,721 |
Net charge-offs to loans | -0.0562% | 5,855 |
Credit loss provision to net charge-offs | -4,062.6016% | 5,579 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 361.0985% | 9 |
Assets per employee ($millions) | 6.8962% | 840 |
Cash dividends to net income (ytd only)* | -113.8208% | 6,704 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9745% | 1,564 |
Loan loss allowance to noncurrent loans | 100.3685% | 3,598 |
Noncurrent assets plus other real estate owned to assets | 1.4678% | 2,416 |
Noncurrent loans to loans | 1.9673% | 1,904 |
Net loans and leases to total assets | 70.5832% | 1,788 |
Net loans and leases to deposits | 75.1733% | 2,922 |
Net loans and leases to core deposits | 102.7146% | 945 |
Total domestic deposits to total assets | 93.8940% | 65 |
Equity capital to assets | 6.0158% | 6,566 |
Core capital (leverage) ratio | 6.0198% | 6,587 |
Tier 1 risk-based capital ratio | 7.6200% | 6,637 |
Total risk-based capital ratio | 8.8766% | 6,638 |
Memoranda: | ||
Average total assets | $2,489,356,500 | 300 |
Average earning assets | $2,327,117,500 | 289 |
Average equity | $179,903,000 | 436 |
Average total loans | $1,749,692,000 | 286 |
2013-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1445% | 3,561 |
Cost of funding earning assets | 0.3861% | 4,790 |
Net interest margin | 3.7584% | 2,810 |
Noninterest income to average assets | 0.5014% | 3,749 |
Noninterest expense to average assets | 3.3491% | 2,004 |
Loan and lease loss provision to assets | 0.0144% | 4,840 |
Net operating income to assets | 0.3802% | 5,219 |
Return on assets (ROA) | 0.3804% | 5,335 |
Pretax return on assets | 0.6541% | 4,688 |
Return on Equity (ROE) | 4.4188% | 4,928 |
Retained earnings to average equity (ytd only) | 0.5971% | 5,568 |
Net charge-offs to loans | 0.0740% | 4,175 |
Credit loss provision to net charge-offs | 25.3807% | 4,341 |
Earnings coverage of net charge-offs (x) | 11.7803% | 2,199 |
Efficiency ratio | 83.3685% | 1,705 |
Assets per employee ($millions) | 6.8039% | 849 |
Cash dividends to net income (ytd only)* | 86.4865% | 733 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3668% | 3,811 |
Loan loss allowance to noncurrent loans | 98.1892% | 3,661 |
Noncurrent assets plus other real estate owned to assets | 1.0841% | 3,239 |
Noncurrent loans to loans | 1.3921% | 2,808 |
Net loans and leases to total assets | 67.7316% | 2,402 |
Net loans and leases to deposits | 74.4636% | 3,195 |
Net loans and leases to core deposits | 102.6288% | 995 |
Total domestic deposits to total assets | 90.9594% | 587 |
Equity capital to assets | 8.3665% | 5,721 |
Core capital (leverage) ratio | 8.8692% | 5,184 |
Tier 1 risk-based capital ratio | 10.8443% | 6,246 |
Total risk-based capital ratio | 12.0604% | 6,208 |
Memoranda: | ||
Average total assets | $2,431,455,400 | 302 |
Average earning assets | $2,274,461,400 | 290 |
Average equity | $209,334,800 | 372 |
Average total loans | $1,862,907,600 | 267 |
2013-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2613% | 3,154 |
Cost of funding earning assets | 0.4010% | 4,813 |
Net interest margin | 3.8603% | 2,420 |
Noninterest income to average assets | 0.5289% | 3,599 |
Noninterest expense to average assets | 3.5336% | 1,539 |
Loan and lease loss provision to assets | 0.0195% | 4,618 |
Net operating income to assets | 0.3663% | 5,381 |
Return on assets (ROA) | 0.3667% | 5,518 |
Pretax return on assets | 0.5826% | 5,086 |
Return on Equity (ROE) | 4.2271% | 5,120 |
Retained earnings to average equity (ytd only) | 0.3814% | 5,817 |
Net charge-offs to loans | 0.1240% | 3,296 |
Credit loss provision to net charge-offs | 19.9317% | 4,078 |
Earnings coverage of net charge-offs (x) | 6.1606% | 3,028 |
Efficiency ratio | 85.4542% | 1,420 |
Assets per employee ($millions) | 6.2322% | 1,093 |
Cash dividends to net income (ytd only)* | 90.9780% | 548 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2593% | 4,599 |
Loan loss allowance to noncurrent loans | 288.8009% | 1,423 |
Noncurrent assets plus other real estate owned to assets | 0.4672% | 5,030 |
Noncurrent loans to loans | 0.4360% | 5,109 |
Net loans and leases to total assets | 75.2972% | 1,102 |
Net loans and leases to deposits | 83.0375% | 1,993 |
Net loans and leases to core deposits | 109.3417% | 606 |
Total domestic deposits to total assets | 90.6785% | 668 |
Equity capital to assets | 8.5301% | 5,706 |
Core capital (leverage) ratio | 8.6537% | 5,598 |
Tier 1 risk-based capital ratio | 10.2326% | 6,527 |
Total risk-based capital ratio | 11.3763% | 6,538 |
Memoranda: | ||
Average total assets | $2,398,056,250 | 304 |
Average earning assets | $2,240,172,250 | 295 |
Average equity | $208,017,000 | 373 |
Average total loans | $1,888,277,500 | 264 |
2013-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2913% | 2,989 |
Cost of funding earning assets | 0.4106% | 4,856 |
Net interest margin | 3.8807% | 2,271 |
Noninterest income to average assets | 0.5651% | 3,413 |
Noninterest expense to average assets | 3.1556% | 2,494 |
Loan and lease loss provision to assets | 0.0295% | 4,337 |
Net operating income to assets | 0.6344% | 4,135 |
Return on assets (ROA) | 0.6344% | 4,284 |
Pretax return on assets | 1.0059% | 3,485 |
Return on Equity (ROE) | 7.2718% | 3,457 |
Retained earnings to average equity (ytd only) | 3.4105% | 4,147 |
Net charge-offs to loans | 0.1844% | 2,651 |
Credit loss provision to net charge-offs | 20.0803% | 3,734 |
Earnings coverage of net charge-offs (x) | 7.0534% | 2,606 |
Efficiency ratio | 75.2949% | 2,897 |
Assets per employee ($millions) | 5.8237% | 1,334 |
Cash dividends to net income (ytd only)* | 53.0997% | 1,735 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2479% | 4,739 |
Loan loss allowance to noncurrent loans | 232.7901% | 1,745 |
Noncurrent assets plus other real estate owned to assets | 0.5550% | 4,869 |
Noncurrent loans to loans | 0.5361% | 4,921 |
Net loans and leases to total assets | 77.0827% | 860 |
Net loans and leases to deposits | 84.9373% | 1,694 |
Net loans and leases to core deposits | 113.9544% | 434 |
Total domestic deposits to total assets | 90.7524% | 646 |
Equity capital to assets | 8.6896% | 5,564 |
Core capital (leverage) ratio | 8.9422% | 5,085 |
Tier 1 risk-based capital ratio | 10.1573% | 6,598 |
Total risk-based capital ratio | 11.2871% | 6,603 |
Memoranda: | ||
Average total assets | $2,374,762,670 | 311 |
Average earning assets | $2,218,813,330 | 297 |
Average equity | $207,183,670 | 373 |
Average total loans | $1,890,374,670 | 266 |
2013-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3136% | 2,838 |
Cost of funding earning assets | 0.4164% | 4,946 |
Net interest margin | 3.8973% | 2,128 |
Noninterest income to average assets | 0.5984% | 3,149 |
Noninterest expense to average assets | 3.1819% | 2,413 |
Loan and lease loss provision to assets | 0.0426% | 3,889 |
Net operating income to assets | 0.6393% | 4,023 |
Return on assets (ROA) | 0.6393% | 4,184 |
Pretax return on assets | 1.0076% | 3,313 |
Return on Equity (ROE) | 7.3128% | 3,322 |
Retained earnings to average equity (ytd only) | 3.4106% | 4,208 |
Net charge-offs to loans | 0.1504% | 2,499 |
Credit loss provision to net charge-offs | 35.2609% | 2,812 |
Earnings coverage of net charge-offs (x) | 8.6841% | 1,923 |
Efficiency ratio | 75.1844% | 3,065 |
Assets per employee ($millions) | 6.1676% | 1,156 |
Cash dividends to net income (ytd only)* | 53.3618% | 1,481 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3063% | 4,662 |
Loan loss allowance to noncurrent loans | 200.1624% | 1,902 |
Noncurrent assets plus other real estate owned to assets | 0.6685% | 4,704 |
Noncurrent loans to loans | 0.6526% | 4,819 |
Net loans and leases to total assets | 78.2140% | 589 |
Net loans and leases to deposits | 86.5580% | 1,284 |
Net loans and leases to core deposits | 117.5820% | 315 |
Total domestic deposits to total assets | 90.3602% | 845 |
Equity capital to assets | 8.6995% | 5,810 |
Core capital (leverage) ratio | 9.1411% | 4,649 |
Tier 1 risk-based capital ratio | 10.0729% | 6,677 |
Total risk-based capital ratio | 11.2523% | 6,682 |
Memoranda: | ||
Average total assets | $2,344,994,000 | 317 |
Average earning assets | $2,186,462,500 | 306 |
Average equity | $205,009,500 | 380 |
Average total loans | $1,885,494,500 | 266 |
2012-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4723% | 3,514 |
Cost of funding earning assets | 0.4855% | 5,316 |
Net interest margin | 3.9868% | 2,450 |
Noninterest income to average assets | 0.6912% | 2,766 |
Noninterest expense to average assets | 2.8993% | 3,646 |
Loan and lease loss provision to assets | 0.5121% | 1,146 |
Net operating income to assets | 0.6699% | 3,884 |
Return on assets (ROA) | 0.6816% | 4,093 |
Pretax return on assets | 1.0157% | 3,494 |
Return on Equity (ROE) | 7.5159% | 3,333 |
Retained earnings to average equity (ytd only) | 7.5159% | 1,329 |
Net charge-offs to loans | 0.3057% | 3,116 |
Credit loss provision to net charge-offs | 214.1973% | 1,186 |
Earnings coverage of net charge-offs (x) | 6.3176% | 2,833 |
Efficiency ratio | 65.7473% | 4,553 |
Assets per employee ($millions) | 6.0138% | 1,266 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3323% | 4,485 |
Loan loss allowance to noncurrent loans | 196.7631% | 1,868 |
Noncurrent assets plus other real estate owned to assets | 0.7162% | 4,689 |
Noncurrent loans to loans | 0.6771% | 4,844 |
Net loans and leases to total assets | 80.5095% | 424 |
Net loans and leases to deposits | 89.5521% | 1,117 |
Net loans and leases to core deposits | 119.1183% | 301 |
Total domestic deposits to total assets | 89.9024% | 1,006 |
Equity capital to assets | 8.7867% | 5,757 |
Core capital (leverage) ratio | 9.2717% | 4,466 |
Tier 1 risk-based capital ratio | 10.0143% | 6,698 |
Total risk-based capital ratio | 11.2328% | 6,674 |
Memoranda: | ||
Average total assets | $2,162,387,800 | 330 |
Average earning assets | $2,016,900,200 | 317 |
Average equity | $196,090,800 | 382 |
Average total loans | $1,691,185,000 | 280 |
2012-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4426% | 3,869 |
Cost of funding earning assets | 0.5023% | 5,420 |
Net interest margin | 3.9402% | 2,754 |
Noninterest income to average assets | 0.7175% | 2,629 |
Noninterest expense to average assets | 2.9593% | 3,372 |
Loan and lease loss provision to assets | 0.5501% | 1,057 |
Net operating income to assets | 0.5684% | 4,529 |
Return on assets (ROA) | 0.5770% | 4,763 |
Pretax return on assets | 0.9012% | 4,092 |
Return on Equity (ROE) | 6.3096% | 4,171 |
Retained earnings to average equity (ytd only) | 6.3096% | 2,479 |
Net charge-offs to loans | 0.3816% | 2,569 |
Credit loss provision to net charge-offs | 186.5164% | 1,483 |
Earnings coverage of net charge-offs (x) | 4.8756% | 3,173 |
Efficiency ratio | 67.2986% | 4,210 |
Assets per employee ($millions) | 5.8804% | 1,319 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2961% | 4,832 |
Loan loss allowance to noncurrent loans | 125.8056% | 2,663 |
Noncurrent assets plus other real estate owned to assets | 0.9906% | 4,300 |
Noncurrent loans to loans | 1.0303% | 4,391 |
Net loans and leases to total assets | 80.1430% | 497 |
Net loans and leases to deposits | 89.1147% | 1,245 |
Net loans and leases to core deposits | 119.4357% | 324 |
Total domestic deposits to total assets | 89.9324% | 886 |
Equity capital to assets | 9.0430% | 5,787 |
Core capital (leverage) ratio | 9.2436% | 4,686 |
Tier 1 risk-based capital ratio | 10.1803% | 6,758 |
Total risk-based capital ratio | 11.3524% | 6,751 |
Memoranda: | ||
Average total assets | $2,125,656,750 | 340 |
Average earning assets | $1,985,107,750 | 322 |
Average equity | $194,385,500 | 383 |
Average total loans | $1,642,901,000 | 286 |
2012-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2725% | 4,674 |
Cost of funding earning assets | 0.5127% | 5,533 |
Net interest margin | 3.7598% | 3,542 |
Noninterest income to average assets | 0.6934% | 2,708 |
Noninterest expense to average assets | 2.9851% | 3,317 |
Loan and lease loss provision to assets | 0.4534% | 1,411 |
Net operating income to assets | 0.4881% | 4,875 |
Return on assets (ROA) | 0.5011% | 5,069 |
Pretax return on assets | 0.7817% | 4,540 |
Return on Equity (ROE) | 5.4588% | 4,603 |
Retained earnings to average equity (ytd only) | 5.4588% | 3,014 |
Net charge-offs to loans | 0.2343% | 3,167 |
Credit loss provision to net charge-offs | 254.9062% | 1,126 |
Earnings coverage of net charge-offs (x) | 6.8300% | 2,572 |
Efficiency ratio | 71.0763% | 3,587 |
Assets per employee ($millions) | 6.3662% | 1,027 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2729% | 5,022 |
Loan loss allowance to noncurrent loans | 112.6811% | 2,881 |
Noncurrent assets plus other real estate owned to assets | 1.1315% | 4,129 |
Noncurrent loans to loans | 1.1297% | 4,269 |
Net loans and leases to total assets | 80.0968% | 500 |
Net loans and leases to deposits | 88.8540% | 1,273 |
Net loans and leases to core deposits | 121.0349% | 295 |
Total domestic deposits to total assets | 90.1442% | 844 |
Equity capital to assets | 9.1323% | 5,549 |
Core capital (leverage) ratio | 9.3717% | 4,338 |
Tier 1 risk-based capital ratio | 10.2576% | 6,762 |
Total risk-based capital ratio | 11.4011% | 6,770 |
Memoranda: | ||
Average total assets | $2,097,201,000 | 343 |
Average earning assets | $1,955,921,330 | 327 |
Average equity | $192,533,330 | 381 |
Average total loans | $1,592,117,670 | 289 |
2012-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1376% | 5,332 |
Cost of funding earning assets | 0.5222% | 5,663 |
Net interest margin | 3.6153% | 4,201 |
Noninterest income to average assets | 0.7038% | 2,643 |
Noninterest expense to average assets | 2.9474% | 3,457 |
Loan and lease loss provision to assets | 0.3456% | 1,809 |
Net operating income to assets | 0.4811% | 4,906 |
Return on assets (ROA) | 0.4811% | 5,104 |
Pretax return on assets | 0.7851% | 4,473 |
Return on Equity (ROE) | 5.2258% | 4,679 |
Retained earnings to average equity (ytd only) | 5.2258% | 3,419 |
Net charge-offs to loans | 0.5275% | 1,770 |
Credit loss provision to net charge-offs | 89.4763% | 2,553 |
Earnings coverage of net charge-offs (x) | 2.9272% | 3,011 |
Efficiency ratio | 72.2742% | 3,383 |
Assets per employee ($millions) | 6.5022% | 978 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2263% | 5,372 |
Loan loss allowance to noncurrent loans | 86.1498% | 3,461 |
Noncurrent assets plus other real estate owned to assets | 1.2194% | 4,099 |
Noncurrent loans to loans | 1.4235% | 3,975 |
Net loans and leases to total assets | 71.4999% | 1,483 |
Net loans and leases to deposits | 79.2337% | 2,308 |
Net loans and leases to core deposits | 107.2162% | 634 |
Total domestic deposits to total assets | 90.2393% | 948 |
Equity capital to assets | 8.9972% | 5,497 |
Core capital (leverage) ratio | 9.4507% | 4,116 |
Tier 1 risk-based capital ratio | 10.8258% | 6,611 |
Total risk-based capital ratio | 11.8974% | 6,678 |
Memoranda: | ||
Average total assets | $2,076,274,500 | 340 |
Average earning assets | $1,937,852,500 | 325 |
Average equity | $191,127,500 | 377 |
Average total loans | $1,520,475,000 | 300 |
2011-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2513% | 5,911 |
Cost of funding earning assets | 0.6151% | 6,013 |
Net interest margin | 3.6363% | 4,586 |
Noninterest income to average assets | 0.8007% | 2,055 |
Noninterest expense to average assets | 3.2344% | 2,748 |
Loan and lease loss provision to assets | 1.6730% | 410 |
Net operating income to assets | -0.4245% | 6,435 |
Return on assets (ROA) | -0.3823% | 6,451 |
Pretax return on assets | -0.6778% | 6,590 |
Return on Equity (ROE) | -4.3757% | 6,495 |
Retained earnings to average equity (ytd only) | -6.6774% | 6,552 |
Net charge-offs to loans | 1.7930% | 824 |
Credit loss provision to net charge-offs | 128.3541% | 2,413 |
Earnings coverage of net charge-offs (x) | 0.7321% | 5,258 |
Efficiency ratio | 77.2182% | 2,709 |
Assets per employee ($millions) | 6.2140% | 1,094 |
Cash dividends to net income (ytd only)* | -52.6008% | 7,313 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2866% | 4,984 |
Loan loss allowance to noncurrent loans | 67.0543% | 4,170 |
Noncurrent assets plus other real estate owned to assets | 1.6161% | 3,532 |
Noncurrent loans to loans | 1.9187% | 3,318 |
Net loans and leases to total assets | 73.1733% | 1,419 |
Net loans and leases to deposits | 81.5964% | 2,257 |
Net loans and leases to core deposits | 108.5853% | 673 |
Total domestic deposits to total assets | 89.6770% | 1,167 |
Equity capital to assets | 9.4264% | 4,992 |
Core capital (leverage) ratio | 9.6910% | 3,756 |
Tier 1 risk-based capital ratio | 11.5367% | 6,141 |
Total risk-based capital ratio | 12.7065% | 6,176 |
Memoranda: | ||
Average total assets | $1,790,407,200 | 376 |
Average earning assets | $1,668,155,400 | 360 |
Average equity | $156,408,200 | 450 |
Average total loans | $1,301,546,400 | 335 |
2011-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2645% | 6,047 |
Cost of funding earning assets | 0.6297% | 6,133 |
Net interest margin | 3.6349% | 4,638 |
Noninterest income to average assets | 0.8402% | 1,874 |
Noninterest expense to average assets | 3.0194% | 3,486 |
Loan and lease loss provision to assets | 1.5880% | 414 |
Net operating income to assets | -0.2750% | 6,461 |
Return on assets (ROA) | -0.3144% | 6,564 |
Pretax return on assets | -0.4187% | 6,579 |
Return on Equity (ROE) | -3.6839% | 6,608 |
Retained earnings to average equity (ytd only) | -6.9257% | 6,701 |
Net charge-offs to loans | 1.9195% | 677 |
Credit loss provision to net charge-offs | 114.4590% | 2,854 |
Earnings coverage of net charge-offs (x) | 0.8680% | 4,967 |
Efficiency ratio | 71.4865% | 3,654 |
Assets per employee ($millions) | 6.4489% | 969 |
Cash dividends to net income (ytd only)* | -87.9980% | 7,400 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1300% | 5,768 |
Loan loss allowance to noncurrent loans | 120.6160% | 2,489 |
Noncurrent assets plus other real estate owned to assets | 0.8950% | 4,944 |
Noncurrent loans to loans | 0.9369% | 5,007 |
Net loans and leases to total assets | 67.5876% | 2,559 |
Net loans and leases to deposits | 78.2176% | 2,940 |
Net loans and leases to core deposits | 101.2118% | 1,143 |
Total domestic deposits to total assets | 86.4098% | 2,980 |
Equity capital to assets | 9.8281% | 4,587 |
Core capital (leverage) ratio | 10.5448% | 2,816 |
Tier 1 risk-based capital ratio | 12.8868% | 5,179 |
Total risk-based capital ratio | 13.9050% | 5,350 |
Memoranda: | ||
Average total assets | $1,734,675,250 | 386 |
Average earning assets | $1,614,764,750 | 370 |
Average equity | $148,063,750 | 481 |
Average total loans | $1,253,827,000 | 344 |
2011-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3868% | 5,742 |
Cost of funding earning assets | 0.6415% | 6,266 |
Net interest margin | 3.7454% | 4,055 |
Noninterest income to average assets | 0.9826% | 1,370 |
Noninterest expense to average assets | 3.0955% | 3,274 |
Loan and lease loss provision to assets | 0.5549% | 1,742 |
Net operating income to assets | 0.5170% | 4,428 |
Return on assets (ROA) | 0.4597% | 4,808 |
Pretax return on assets | 0.7553% | 4,193 |
Return on Equity (ROE) | 5.7286% | 4,094 |
Retained earnings to average equity (ytd only) | 1.5175% | 5,222 |
Net charge-offs to loans | 0.5079% | 2,579 |
Credit loss provision to net charge-offs | 147.9884% | 2,064 |
Earnings coverage of net charge-offs (x) | 3.6537% | 3,093 |
Efficiency ratio | 69.3206% | 4,256 |
Assets per employee ($millions) | 6.0023% | 1,186 |
Cash dividends to net income (ytd only)* | 73.5101% | 952 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0639% | 6,081 |
Loan loss allowance to noncurrent loans | 53.1754% | 4,829 |
Noncurrent assets plus other real estate owned to assets | 1.8393% | 3,454 |
Noncurrent loans to loans | 2.0007% | 3,478 |
Net loans and leases to total assets | 75.9824% | 1,075 |
Net loans and leases to deposits | 83.0998% | 2,256 |
Net loans and leases to core deposits | 108.4902% | 783 |
Total domestic deposits to total assets | 91.4352% | 359 |
Equity capital to assets | 7.7564% | 6,832 |
Core capital (leverage) ratio | 7.8416% | 6,467 |
Tier 1 risk-based capital ratio | 8.8998% | 7,187 |
Total risk-based capital ratio | 9.8443% | 7,209 |
Memoranda: | ||
Average total assets | $1,657,265,670 | 406 |
Average earning assets | $1,541,108,000 | 393 |
Average equity | $132,981,670 | 524 |
Average total loans | $1,223,576,670 | 357 |
2011-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3827% | 5,748 |
Cost of funding earning assets | 0.6382% | 6,436 |
Net interest margin | 3.7445% | 3,869 |
Noninterest income to average assets | 0.9125% | 1,619 |
Noninterest expense to average assets | 2.9357% | 3,916 |
Loan and lease loss provision to assets | 0.6621% | 1,292 |
Net operating income to assets | 0.5231% | 4,391 |
Return on assets (ROA) | 0.5279% | 4,450 |
Pretax return on assets | 0.8157% | 3,844 |
Return on Equity (ROE) | 6.4645% | 3,646 |
Retained earnings to average equity (ytd only) | 2.2433% | 4,800 |
Net charge-offs to loans | 0.4750% | 2,286 |
Credit loss provision to net charge-offs | 192.8981% | 1,534 |
Earnings coverage of net charge-offs (x) | 4.2403% | 2,536 |
Efficiency ratio | 66.8554% | 4,885 |
Assets per employee ($millions) | 6.1653% | 1,097 |
Cash dividends to net income (ytd only)* | 65.2985% | 1,128 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1442% | 5,873 |
Loan loss allowance to noncurrent loans | 48.7051% | 5,072 |
Noncurrent assets plus other real estate owned to assets | 1.9100% | 3,428 |
Noncurrent loans to loans | 2.3492% | 3,139 |
Net loans and leases to total assets | 70.7265% | 1,976 |
Net loans and leases to deposits | 77.5624% | 3,143 |
Net loans and leases to core deposits | 99.7222% | 1,362 |
Total domestic deposits to total assets | 91.1867% | 539 |
Equity capital to assets | 7.8285% | 6,656 |
Core capital (leverage) ratio | 8.2372% | 5,925 |
Tier 1 risk-based capital ratio | 9.4033% | 7,170 |
Total risk-based capital ratio | 10.3945% | 7,210 |
Memoranda: | ||
Average total assets | $1,624,569,000 | 419 |
Average earning assets | $1,509,202,500 | 398 |
Average equity | $132,664,000 | 523 |
Average total loans | $1,173,868,500 | 378 |
2010-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4227% | 6,572 |
Cost of funding earning assets | 0.6996% | 6,891 |
Net interest margin | 3.7231% | 4,257 |
Noninterest income to average assets | 1.0997% | 1,227 |
Noninterest expense to average assets | 3.3498% | 2,582 |
Loan and lease loss provision to assets | 0.5264% | 3,046 |
Net operating income to assets | 0.4970% | 4,111 |
Return on assets (ROA) | 0.4559% | 4,456 |
Pretax return on assets | 0.6505% | 4,165 |
Return on Equity (ROE) | 5.1335% | 4,011 |
Retained earnings to average equity (ytd only) | 2.0903% | 4,419 |
Net charge-offs to loans | 0.6449% | 3,085 |
Credit loss provision to net charge-offs | 116.1690% | 3,703 |
Earnings coverage of net charge-offs (x) | 2.6733% | 3,757 |
Efficiency ratio | 73.4411% | 3,497 |
Assets per employee ($millions) | 5.9528% | 1,240 |
Cash dividends to net income (ytd only)* | 59.2818% | 1,658 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1090% | 5,922 |
Loan loss allowance to noncurrent loans | 45.0072% | 5,320 |
Noncurrent assets plus other real estate owned to assets | 2.0643% | 3,269 |
Noncurrent loans to loans | 2.4640% | 3,058 |
Net loans and leases to total assets | 72.2243% | 2,050 |
Net loans and leases to deposits | 79.5841% | 3,244 |
Net loans and leases to core deposits | 104.3951% | 1,288 |
Total domestic deposits to total assets | 90.7522% | 716 |
Equity capital to assets | 8.5346% | 5,808 |
Core capital (leverage) ratio | 8.7654% | 4,907 |
Tier 1 risk-based capital ratio | 10.3861% | 6,770 |
Total risk-based capital ratio | 11.3738% | 6,900 |
Memoranda: | ||
Average total assets | $1,478,106,400 | 458 |
Average earning assets | $1,374,257,200 | 447 |
Average equity | $131,274,600 | 519 |
Average total loans | $1,038,632,200 | 432 |
2010-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3413% | 6,908 |
Cost of funding earning assets | 0.7139% | 7,031 |
Net interest margin | 3.6274% | 4,743 |
Noninterest income to average assets | 1.1127% | 1,134 |
Noninterest expense to average assets | 3.3313% | 2,479 |
Loan and lease loss provision to assets | 0.4917% | 3,009 |
Net operating income to assets | 0.4453% | 4,563 |
Return on assets (ROA) | 0.3864% | 4,995 |
Pretax return on assets | 0.5946% | 4,615 |
Return on Equity (ROE) | 4.3061% | 4,640 |
Retained earnings to average equity (ytd only) | 1.4601% | 5,218 |
Net charge-offs to loans | 0.4164% | 3,624 |
Credit loss provision to net charge-offs | 169.8012% | 2,190 |
Earnings coverage of net charge-offs (x) | 3.9514% | 3,237 |
Efficiency ratio | 74.4350% | 3,235 |
Assets per employee ($millions) | 5.2750% | 1,846 |
Cash dividends to net income (ytd only)* | 66.0912% | 1,028 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3127% | 4,885 |
Loan loss allowance to noncurrent loans | 48.3635% | 5,070 |
Noncurrent assets plus other real estate owned to assets | 2.3043% | 3,075 |
Noncurrent loans to loans | 2.7142% | 2,924 |
Net loans and leases to total assets | 72.6544% | 2,088 |
Net loans and leases to deposits | 81.0421% | 3,258 |
Net loans and leases to core deposits | 109.9820% | 1,033 |
Total domestic deposits to total assets | 89.6502% | 1,051 |
Equity capital to assets | 9.3319% | 5,084 |
Core capital (leverage) ratio | 9.2201% | 4,338 |
Tier 1 risk-based capital ratio | 11.1683% | 6,222 |
Total risk-based capital ratio | 12.3405% | 6,288 |
Memoranda: | ||
Average total assets | $1,459,212,000 | 459 |
Average earning assets | $1,352,726,750 | 451 |
Average equity | $130,943,250 | 512 |
Average total loans | $1,014,609,750 | 442 |
2010-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2023% | 7,167 |
Cost of funding earning assets | 0.7417% | 7,087 |
Net interest margin | 3.4607% | 5,399 |
Noninterest income to average assets | 1.0846% | 1,137 |
Noninterest expense to average assets | 3.2039% | 2,889 |
Loan and lease loss provision to assets | 0.4873% | 2,858 |
Net operating income to assets | 0.4062% | 4,728 |
Return on assets (ROA) | 0.3576% | 5,097 |
Pretax return on assets | 0.5568% | 4,713 |
Return on Equity (ROE) | 4.0367% | 4,761 |
Retained earnings to average equity (ytd only) | 1.1314% | 5,307 |
Net charge-offs to loans | 0.1214% | 4,970 |
Credit loss provision to net charge-offs | 588.1967% | 638 |
Earnings coverage of net charge-offs (x) | 13.1705% | 1,608 |
Efficiency ratio | 74.5960% | 3,351 |
Assets per employee ($millions) | 5.4767% | 1,639 |
Cash dividends to net income (ytd only)* | 71.9711% | 973 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4250% | 4,309 |
Loan loss allowance to noncurrent loans | 59.2940% | 4,384 |
Noncurrent assets plus other real estate owned to assets | 2.0752% | 3,411 |
Noncurrent loans to loans | 2.4033% | 3,253 |
Net loans and leases to total assets | 71.1604% | 2,622 |
Net loans and leases to deposits | 79.6097% | 3,667 |
Net loans and leases to core deposits | 109.8485% | 1,172 |
Total domestic deposits to total assets | 89.3867% | 1,233 |
Equity capital to assets | 9.3093% | 4,990 |
Core capital (leverage) ratio | 8.9801% | 4,633 |
Tier 1 risk-based capital ratio | 11.4464% | 5,826 |
Total risk-based capital ratio | 12.6933% | 5,799 |
Memoranda: | ||
Average total assets | $1,472,626,670 | 458 |
Average earning assets | $1,366,141,670 | 448 |
Average equity | $130,452,330 | 510 |
Average total loans | $1,004,594,330 | 453 |
2010-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0986% | 7,376 |
Cost of funding earning assets | 0.7876% | 7,125 |
Net interest margin | 3.3110% | 5,930 |
Noninterest income to average assets | 1.0550% | 1,142 |
Noninterest expense to average assets | 3.1037% | 3,255 |
Loan and lease loss provision to assets | 0.4496% | 2,719 |
Net operating income to assets | 0.3879% | 4,890 |
Return on assets (ROA) | 0.3638% | 5,131 |
Pretax return on assets | 0.5562% | 4,764 |
Return on Equity (ROE) | 4.2070% | 4,799 |
Retained earnings to average equity (ytd only) | 1.3337% | 5,277 |
Net charge-offs to loans | 0.1193% | 4,262 |
Credit loss provision to net charge-offs | 567.7852% | 763 |
Earnings coverage of net charge-offs (x) | 12.9799% | 1,530 |
Efficiency ratio | 75.1206% | 3,378 |
Assets per employee ($millions) | 5.9919% | 1,262 |
Cash dividends to net income (ytd only)* | 68.2980% | 1,067 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3065% | 4,897 |
Loan loss allowance to noncurrent loans | 57.2577% | 4,524 |
Noncurrent assets plus other real estate owned to assets | 1.8268% | 3,740 |
Noncurrent loans to loans | 2.2819% | 3,413 |
Net loans and leases to total assets | 64.2548% | 4,277 |
Net loans and leases to deposits | 71.5221% | 5,119 |
Net loans and leases to core deposits | 105.8552% | 1,586 |
Total domestic deposits to total assets | 89.8391% | 1,075 |
Equity capital to assets | 8.6018% | 5,868 |
Core capital (leverage) ratio | 8.6393% | 5,137 |
Tier 1 risk-based capital ratio | 11.6671% | 5,515 |
Total risk-based capital ratio | 12.8319% | 5,566 |
Memoranda: | ||
Average total assets | $1,505,189,500 | 464 |
Average earning assets | $1,398,615,000 | 455 |
Average equity | $130,164,000 | 521 |
Average total loans | $998,860,000 | 475 |
2009-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5478% | 7,341 |
Cost of funding earning assets | 1.1243% | 6,905 |
Net interest margin | 3.4235% | 5,276 |
Noninterest income to average assets | 1.2156% | 1,038 |
Noninterest expense to average assets | 3.0604% | 3,904 |
Loan and lease loss provision to assets | 0.5956% | 3,412 |
Net operating income to assets | 0.4832% | 3,799 |
Return on assets (ROA) | 0.4048% | 4,216 |
Pretax return on assets | 0.6178% | 3,854 |
Return on Equity (ROE) | 4.4673% | 3,900 |
Retained earnings to average equity (ytd only) | 1.0594% | 4,300 |
Net charge-offs to loans | 0.8216% | 2,770 |
Credit loss provision to net charge-offs | 100.8065% | 5,475 |
Earnings coverage of net charge-offs (x) | 2.2009% | 4,074 |
Efficiency ratio | 70.1817% | 4,588 |
Assets per employee ($millions) | 5.6394% | 1,521 |
Cash dividends to net income (ytd only)* | 76.2853% | 1,310 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1379% | 5,700 |
Loan loss allowance to noncurrent loans | 87.5733% | 3,177 |
Noncurrent assets plus other real estate owned to assets | 1.2249% | 4,654 |
Noncurrent loans to loans | 1.2993% | 4,758 |
Net loans and leases to total assets | 66.8652% | 3,959 |
Net loans and leases to deposits | 74.4270% | 4,961 |
Net loans and leases to core deposits | 108.7535% | 3,030 |
Total domestic deposits to total assets | 89.8400% | 1,038 |
Equity capital to assets | 8.6942% | 5,593 |
Core capital (leverage) ratio | 8.5909% | 5,112 |
Tier 1 risk-based capital ratio | 11.2051% | 5,715 |
Total risk-based capital ratio | 12.2036% | 5,933 |
Memoranda: | ||
Average total assets | $1,427,208,800 | 476 |
Average earning assets | $1,311,174,000 | 470 |
Average equity | $129,317,400 | 517 |
Average total loans | $1,026,256,200 | 469 |
2009-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4926% | 7,512 |
Cost of funding earning assets | 1.1916% | 6,916 |
Net interest margin | 3.3010% | 5,638 |
Noninterest income to average assets | 1.2458% | 994 |
Noninterest expense to average assets | 3.0680% | 3,778 |
Loan and lease loss provision to assets | 0.1891% | 5,484 |
Net operating income to assets | 0.6724% | 3,308 |
Return on assets (ROA) | 0.5961% | 3,674 |
Pretax return on assets | 0.9287% | 3,133 |
Return on Equity (ROE) | 6.5094% | 3,295 |
Retained earnings to average equity (ytd only) | 3.4126% | 3,389 |
Net charge-offs to loans | 0.2924% | 4,198 |
Credit loss provision to net charge-offs | 88.5347% | 5,521 |
Earnings coverage of net charge-offs (x) | 5.6379% | 2,765 |
Efficiency ratio | 71.8168% | 4,277 |
Assets per employee ($millions) | 5.6925% | 1,440 |
Cash dividends to net income (ytd only)* | 47.5737% | 2,117 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1030% | 5,706 |
Loan loss allowance to noncurrent loans | 84.2875% | 3,240 |
Noncurrent assets plus other real estate owned to assets | 1.2409% | 4,584 |
Noncurrent loans to loans | 1.3086% | 4,752 |
Net loans and leases to total assets | 68.2177% | 3,907 |
Net loans and leases to deposits | 76.5753% | 4,953 |
Net loans and leases to core deposits | 109.9974% | 3,237 |
Total domestic deposits to total assets | 89.0858% | 1,160 |
Equity capital to assets | 8.9581% | 5,539 |
Core capital (leverage) ratio | 8.9035% | 4,809 |
Tier 1 risk-based capital ratio | 10.8981% | 6,056 |
Total risk-based capital ratio | 11.8331% | 6,336 |
Memoranda: | ||
Average total assets | $1,410,402,000 | 497 |
Average earning assets | $1,293,004,250 | 487 |
Average equity | $129,164,500 | 527 |
Average total loans | $1,030,130,500 | 483 |
2009-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5379% | 7,591 |
Cost of funding earning assets | 1.2832% | 6,862 |
Net interest margin | 3.2547% | 5,717 |
Noninterest income to average assets | 1.2565% | 969 |
Noninterest expense to average assets | 3.1225% | 3,612 |
Loan and lease loss provision to assets | 0.1797% | 5,247 |
Net operating income to assets | 0.5970% | 3,690 |
Return on assets (ROA) | 0.5116% | 4,163 |
Pretax return on assets | 0.8188% | 3,611 |
Return on Equity (ROE) | 5.5436% | 3,842 |
Retained earnings to average equity (ytd only) | 2.7391% | 3,805 |
Net charge-offs to loans | 0.2701% | 3,838 |
Credit loss provision to net charge-offs | 89.3495% | 4,945 |
Earnings coverage of net charge-offs (x) | 5.4660% | 2,831 |
Efficiency ratio | 73.9579% | 4,035 |
Assets per employee ($millions) | 5.6266% | 1,477 |
Cash dividends to net income (ytd only)* | 50.5902% | 2,020 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1188% | 5,465 |
Loan loss allowance to noncurrent loans | 76.3981% | 3,647 |
Noncurrent assets plus other real estate owned to assets | 1.4102% | 4,138 |
Noncurrent loans to loans | 1.4645% | 4,296 |
Net loans and leases to total assets | 69.5068% | 3,815 |
Net loans and leases to deposits | 78.1255% | 4,850 |
Net loans and leases to core deposits | 108.4531% | 3,563 |
Total domestic deposits to total assets | 88.9681% | 1,285 |
Equity capital to assets | 8.9754% | 5,350 |
Core capital (leverage) ratio | 9.0927% | 4,481 |
Tier 1 risk-based capital ratio | 10.7839% | 6,105 |
Total risk-based capital ratio | 11.7299% | 6,341 |
Memoranda: | ||
Average total assets | $1,390,981,330 | 514 |
Average earning assets | $1,267,407,330 | 506 |
Average equity | $128,364,670 | 540 |
Average total loans | $1,035,819,670 | 495 |
2009-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5738% | 7,643 |
Cost of funding earning assets | 1.4046% | 6,717 |
Net interest margin | 3.1692% | 5,955 |
Noninterest income to average assets | 1.1786% | 1,055 |
Noninterest expense to average assets | 3.1320% | 3,260 |
Loan and lease loss provision to assets | 0.2191% | 4,264 |
Net operating income to assets | 0.4552% | 4,632 |
Return on assets (ROA) | 0.4438% | 4,851 |
Pretax return on assets | 0.6679% | 4,531 |
Return on Equity (ROE) | 4.7410% | 4,584 |
Retained earnings to average equity (ytd only) | 4.7410% | 3,272 |
Net charge-offs to loans | 0.4338% | 2,374 |
Credit loss provision to net charge-offs | 65.9051% | 4,420 |
Earnings coverage of net charge-offs (x) | 2.7197% | 3,398 |
Efficiency ratio | 77.5968% | 3,236 |
Assets per employee ($millions) | 5.4502% | 1,610 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0637% | 5,728 |
Loan loss allowance to noncurrent loans | 64.5793% | 4,340 |
Noncurrent assets plus other real estate owned to assets | 1.7329% | 3,314 |
Noncurrent loans to loans | 1.6470% | 3,804 |
Net loans and leases to total assets | 74.2126% | 2,704 |
Net loans and leases to deposits | 84.4849% | 3,899 |
Net loans and leases to core deposits | 109.8266% | 3,456 |
Total domestic deposits to total assets | 87.8413% | 1,828 |
Equity capital to assets | 9.2863% | 4,956 |
Core capital (leverage) ratio | 9.4016% | 4,104 |
Tier 1 risk-based capital ratio | 10.4409% | 6,457 |
Total risk-based capital ratio | 11.3411% | 6,735 |
Memoranda: | ||
Average total assets | $1,369,079,500 | 525 |
Average earning assets | $1,234,522,500 | 525 |
Average equity | $128,158,000 | 537 |
Average total loans | $1,049,451,000 | 496 |
2008-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.6072% | 7,042 |
Cost of funding earning assets | 2.1111% | 5,998 |
Net interest margin | 3.4961% | 5,307 |
Noninterest income to average assets | 1.2452% | 957 |
Noninterest expense to average assets | 3.3217% | 2,896 |
Loan and lease loss provision to assets | 0.4987% | 2,818 |
Net operating income to assets | 0.4360% | 5,005 |
Return on assets (ROA) | 0.3539% | 5,141 |
Pretax return on assets | 0.4677% | 5,076 |
Return on Equity (ROE) | 3.5338% | 5,022 |
Retained earnings to average equity (ytd only) | -0.3731% | 5,396 |
Net charge-offs to loans | 0.4462% | 2,598 |
Credit loss provision to net charge-offs | 136.8709% | 3,893 |
Earnings coverage of net charge-offs (x) | 2.9488% | 4,610 |
Efficiency ratio | 75.5585% | 3,314 |
Assets per employee ($millions) | 5.2883% | 1,649 |
Cash dividends to net income (ytd only)* | 110.5571% | 795 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0781% | 5,431 |
Loan loss allowance to noncurrent loans | 241.5082% | 1,635 |
Noncurrent assets plus other real estate owned to assets | 0.9779% | 4,387 |
Noncurrent loans to loans | 0.4464% | 6,019 |
Net loans and leases to total assets | 77.4896% | 2,268 |
Net loans and leases to deposits | 87.2950% | 3,895 |
Net loans and leases to core deposits | 104.2194% | 4,370 |
Total domestic deposits to total assets | 88.7675% | 1,124 |
Equity capital to assets | 9.4371% | 4,776 |
Core capital (leverage) ratio | 9.4279% | 4,117 |
Tier 1 risk-based capital ratio | 9.9477% | 6,799 |
Total risk-based capital ratio | 10.8424% | 7,106 |
Memoranda: | ||
Average total assets | $1,303,319,200 | 520 |
Average earning assets | $1,174,647,600 | 525 |
Average equity | $130,540,200 | 530 |
Average total loans | $1,064,278,200 | 470 |