Home > The First National Bank of Volga > Performance and Condition Ratios
The First National Bank of Volga, 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 | 0.1786% | 6,803 |
| Cost of funding earning assets | 0.0072% | 6,784 |
| Net interest margin | 0.1714% | 6,798 |
| Noninterest income to average assets | 0.0106% | 6,628 |
| Noninterest expense to average assets | 0.1503% | 6,803 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.0106% | 6,195 |
| Return on assets (ROA) | 0.0106% | 6,236 |
| Pretax return on assets | 0.0106% | 6,218 |
| Return on Equity (ROE) | 0.0974% | 6,235 |
| Retained earnings to average equity (ytd only) | 0.0974% | 5,807 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.1053% | 872 |
| Assets per employee ($millions) | 3.2903% | 5,311 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 6,750 |
| Loan loss allowance to noncurrent loans | 0.0000% | 6,308 |
| Noncurrent assets plus other real estate owned to assets | 0.3992% | 5,055 |
| Noncurrent loans to loans | 0.0227% | 6,197 |
| Net loans and leases to total assets | 62.6190% | 3,271 |
| Net loans and leases to deposits | 72.3838% | 3,474 |
| Net loans and leases to core deposits | 76.0028% | 3,611 |
| Total domestic deposits to total assets | 86.5097% | 2,985 |
| Equity capital to assets | 13.3079% | 1,136 |
| Core capital (leverage) ratio | 9.2195% | 4,693 |
| Tier 1 risk-based capital ratio | 12.6255% | 5,215 |
| Total risk-based capital ratio | 12.6255% | 5,908 |
| Memoranda: | ||
| Average total assets | $47,249,800 | 6,086 |
| Average earning assets | $41,423,800 | 6,127 |
| Average equity | $5,132,800 | 6,035 |
| Average total loans | $29,655,200 | 5,776 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4043% | 2,583 |
| Cost of funding earning assets | 0.7763% | 1,448 |
| Net interest margin | 3.6280% | 3,331 |
| Noninterest income to average assets | 0.3367% | 4,997 |
| Noninterest expense to average assets | 2.7195% | 3,949 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.7533% | 3,585 |
| Return on assets (ROA) | 0.7533% | 3,712 |
| Pretax return on assets | 0.8047% | 4,274 |
| Return on Equity (ROE) | 7.3731% | 3,454 |
| Retained earnings to average equity (ytd only) | 5.2784% | 2,888 |
| Net charge-offs to loans | 0.0273% | 4,578 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 46.9988% | 900 |
| Efficiency ratio | 77.1660% | 2,530 |
| Assets per employee ($millions) | 3.1094% | 5,661 |
| Cash dividends to net income (ytd only)* | 28.4099% | 2,745 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7369% | 2,499 |
| Loan loss allowance to noncurrent loans | 25,400.0000% | 35 |
| Noncurrent assets plus other real estate owned to assets | 0.4117% | 5,184 |
| Noncurrent loans to loans | 0.0068% | 6,364 |
| Net loans and leases to total assets | 61.6175% | 3,435 |
| Net loans and leases to deposits | 68.8739% | 3,953 |
| Net loans and leases to core deposits | 72.7091% | 4,004 |
| Total domestic deposits to total assets | 89.4642% | 1,322 |
| Equity capital to assets | 10.3407% | 3,459 |
| Core capital (leverage) ratio | 10.0544% | 3,594 |
| Tier 1 risk-based capital ratio | 15.2703% | 3,583 |
| Total risk-based capital ratio | 16.5267% | 3,534 |
| Memoranda: | ||
| Average total assets | $46,723,750 | 6,171 |
| Average earning assets | $41,049,750 | 6,208 |
| Average equity | $4,774,000 | 6,199 |
| Average total loans | $29,342,750 | 5,849 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3697% | 2,684 |
| Cost of funding earning assets | 0.7834% | 1,508 |
| Net interest margin | 3.5863% | 3,427 |
| Noninterest income to average assets | 0.3208% | 5,142 |
| Noninterest expense to average assets | 2.7293% | 3,930 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.6930% | 3,840 |
| Return on assets (ROA) | 0.6930% | 4,009 |
| Pretax return on assets | 0.7444% | 4,525 |
| Return on Equity (ROE) | 6.8101% | 3,717 |
| Retained earnings to average equity (ytd only) | 3.6573% | 3,985 |
| Net charge-offs to loans | 0.0545% | 3,918 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 21.7500% | 1,399 |
| Efficiency ratio | 78.5714% | 2,373 |
| Assets per employee ($millions) | 3.1164% | 5,646 |
| Cash dividends to net income (ytd only)* | 46.2963% | 2,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7024% | 2,773 |
| Loan loss allowance to noncurrent loans | 16,866.6667% | 52 |
| Noncurrent assets plus other real estate owned to assets | 0.4129% | 5,245 |
| Noncurrent loans to loans | 0.0101% | 6,407 |
| Net loans and leases to total assets | 62.5016% | 3,198 |
| Net loans and leases to deposits | 69.6190% | 3,767 |
| Net loans and leases to core deposits | 73.4520% | 3,880 |
| Total domestic deposits to total assets | 89.7767% | 1,160 |
| Equity capital to assets | 10.0714% | 3,826 |
| Core capital (leverage) ratio | 10.0960% | 3,378 |
| Tier 1 risk-based capital ratio | 14.8111% | 3,902 |
| Total risk-based capital ratio | 16.0659% | 3,865 |
| Memoranda: | ||
| Average total assets | $46,751,330 | 6,216 |
| Average earning assets | $41,101,330 | 6,255 |
| Average equity | $4,757,670 | 6,255 |
| Average total loans | $29,374,670 | 5,876 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3487% | 2,696 |
| Cost of funding earning assets | 0.7907% | 1,581 |
| Net interest margin | 3.5580% | 3,442 |
| Noninterest income to average assets | 0.2652% | 5,563 |
| Noninterest expense to average assets | 2.6950% | 4,082 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.6759% | 3,806 |
| Return on assets (ROA) | 0.6759% | 3,966 |
| Pretax return on assets | 0.7272% | 4,455 |
| Return on Equity (ROE) | 6.6074% | 3,709 |
| Retained earnings to average equity (ytd only) | 6.6074% | 2,361 |
| Net charge-offs to loans | 0.1096% | 2,777 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 10.6250% | 1,723 |
| Efficiency ratio | 78.7500% | 2,496 |
| Assets per employee ($millions) | 3.2932% | 5,445 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7533% | 2,793 |
| Loan loss allowance to noncurrent loans | 16,866.6667% | 45 |
| Noncurrent assets plus other real estate owned to assets | 0.4186% | 5,349 |
| Noncurrent loans to loans | 0.0104% | 6,475 |
| Net loans and leases to total assets | 61.4988% | 3,169 |
| Net loans and leases to deposits | 68.8622% | 3,655 |
| Net loans and leases to core deposits | 72.7138% | 3,737 |
| Total domestic deposits to total assets | 89.3070% | 1,484 |
| Equity capital to assets | 10.4392% | 3,615 |
| Core capital (leverage) ratio | 10.0841% | 3,289 |
| Tier 1 risk-based capital ratio | 15.1348% | 3,750 |
| Total risk-based capital ratio | 16.3898% | 3,700 |
| Memoranda: | ||
| Average total assets | $46,754,000 | 6,277 |
| Average earning assets | $41,483,500 | 6,299 |
| Average equity | $4,782,500 | 6,309 |
| Average total loans | $29,200,500 | 5,922 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9910% | 1,584 |
| Cost of funding earning assets | 1.0174% | 1,265 |
| Net interest margin | 3.9736% | 2,503 |
| Noninterest income to average assets | 0.7447% | 2,522 |
| Noninterest expense to average assets | 2.7653% | 4,156 |
| Loan and lease loss provision to assets | 0.0178% | 5,682 |
| Net operating income to assets | 1.3804% | 1,126 |
| Return on assets (ROA) | 1.3804% | 1,246 |
| Pretax return on assets | 1.4605% | 1,816 |
| Return on Equity (ROE) | 13.2528% | 1,167 |
| Retained earnings to average equity (ytd only) | 5.1432% | 2,612 |
| Net charge-offs to loans | -0.2826% | 6,969 |
| Credit loss provision to net charge-offs | -9.7561% | 6,214 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1650% | 4,674 |
| Assets per employee ($millions) | 3.3859% | 5,241 |
| Cash dividends to net income (ytd only)* | 61.1916% | 1,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7400% | 2,789 |
| Loan loss allowance to noncurrent loans | 3,671.4286% | 173 |
| Noncurrent assets plus other real estate owned to assets | 0.4514% | 5,354 |
| Noncurrent loans to loans | 0.0474% | 6,385 |
| Net loans and leases to total assets | 61.2345% | 3,384 |
| Net loans and leases to deposits | 68.2122% | 3,951 |
| Net loans and leases to core deposits | 71.4388% | 4,112 |
| Total domestic deposits to total assets | 89.7707% | 1,086 |
| Equity capital to assets | 10.0247% | 4,133 |
| Core capital (leverage) ratio | 9.9189% | 3,518 |
| Tier 1 risk-based capital ratio | 14.4104% | 4,088 |
| Total risk-based capital ratio | 15.6645% | 4,042 |
| Memoranda: | ||
| Average total assets | $44,986,000 | 6,348 |
| Average earning assets | $39,611,200 | 6,374 |
| Average equity | $4,685,800 | 6,391 |
| Average total loans | $29,012,600 | 5,993 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1287% | 1,361 |
| Cost of funding earning assets | 1.0682% | 1,203 |
| Net interest margin | 4.0605% | 2,253 |
| Noninterest income to average assets | 0.9523% | 1,667 |
| Noninterest expense to average assets | 2.6797% | 4,455 |
| Loan and lease loss provision to assets | 0.0240% | 5,492 |
| Net operating income to assets | 1.7694% | 607 |
| Return on assets (ROA) | 1.7694% | 674 |
| Pretax return on assets | 1.8115% | 1,016 |
| Return on Equity (ROE) | 16.8188% | 628 |
| Retained earnings to average equity (ytd only) | 15.1913% | 224 |
| Net charge-offs to loans | -0.3878% | 7,080 |
| Credit loss provision to net charge-offs | -9.5238% | 6,095 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3480% | 5,605 |
| Assets per employee ($millions) | 3.4961% | 4,991 |
| Cash dividends to net income (ytd only)* | 9.6777% | 3,441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7044% | 3,134 |
| Loan loss allowance to noncurrent loans | 2,150.0000% | 241 |
| Noncurrent assets plus other real estate owned to assets | 0.5479% | 5,304 |
| Noncurrent loans to loans | 0.0793% | 6,416 |
| Net loans and leases to total assets | 65.4778% | 2,742 |
| Net loans and leases to deposits | 73.9170% | 3,292 |
| Net loans and leases to core deposits | 78.6609% | 3,368 |
| Total domestic deposits to total assets | 88.5828% | 1,669 |
| Equity capital to assets | 11.1840% | 3,056 |
| Core capital (leverage) ratio | 10.7279% | 2,674 |
| Tier 1 risk-based capital ratio | 15.1833% | 3,716 |
| Total risk-based capital ratio | 16.4381% | 3,662 |
| Memoranda: | ||
| Average total assets | $44,381,750 | 6,439 |
| Average earning assets | $38,943,000 | 6,470 |
| Average equity | $4,669,250 | 6,467 |
| Average total loans | $28,880,500 | 6,070 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0930% | 1,519 |
| Cost of funding earning assets | 1.1072% | 1,189 |
| Net interest margin | 3.9859% | 2,567 |
| Noninterest income to average assets | 0.1136% | 6,618 |
| Noninterest expense to average assets | 2.7484% | 4,223 |
| Loan and lease loss provision to assets | 0.0363% | 5,221 |
| Net operating income to assets | 0.8041% | 3,380 |
| Return on assets (ROA) | 0.8041% | 3,635 |
| Pretax return on assets | 0.8450% | 4,297 |
| Return on Equity (ROE) | 7.8123% | 3,339 |
| Retained earnings to average equity (ytd only) | 5.2965% | 3,094 |
| Net charge-offs to loans | -0.5701% | 7,144 |
| Credit loss provision to net charge-offs | -9.8765% | 5,924 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7196% | 2,783 |
| Assets per employee ($millions) | 3.4717% | 5,044 |
| Cash dividends to net income (ytd only)* | 32.2034% | 2,513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7076% | 3,197 |
| Loan loss allowance to noncurrent loans | 12,825.0000% | 56 |
| Noncurrent assets plus other real estate owned to assets | 0.5628% | 5,350 |
| Noncurrent loans to loans | 0.0133% | 6,666 |
| Net loans and leases to total assets | 65.4303% | 2,781 |
| Net loans and leases to deposits | 73.0543% | 3,450 |
| Net loans and leases to core deposits | 77.6983% | 3,562 |
| Total domestic deposits to total assets | 89.5639% | 1,186 |
| Equity capital to assets | 10.2544% | 3,987 |
| Core capital (leverage) ratio | 9.9381% | 3,503 |
| Tier 1 risk-based capital ratio | 14.2154% | 4,295 |
| Total risk-based capital ratio | 15.4705% | 4,258 |
| Memoranda: | ||
| Average total assets | $44,026,000 | 6,488 |
| Average earning assets | $38,837,330 | 6,514 |
| Average equity | $4,531,330 | 6,540 |
| Average total loans | $28,415,670 | 6,134 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0033% | 1,876 |
| Cost of funding earning assets | 1.1937% | 1,019 |
| Net interest margin | 3.8096% | 3,350 |
| Noninterest income to average assets | -0.1012% | 7,168 |
| Noninterest expense to average assets | 2.7511% | 4,239 |
| Loan and lease loss provision to assets | 0.0552% | 4,716 |
| Net operating income to assets | 0.4233% | 5,151 |
| Return on assets (ROA) | 0.4233% | 5,343 |
| Pretax return on assets | 0.4693% | 5,526 |
| Return on Equity (ROE) | 4.1044% | 5,246 |
| Retained earnings to average equity (ytd only) | 4.1044% | 4,129 |
| Net charge-offs to loans | -0.1014% | 6,793 |
| Credit loss provision to net charge-offs | -85.7143% | 5,474 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.9888% | 1,686 |
| Assets per employee ($millions) | 3.1703% | 5,832 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5917% | 3,756 |
| Loan loss allowance to noncurrent loans | 333.5878% | 997 |
| Noncurrent assets plus other real estate owned to assets | 0.8584% | 4,808 |
| Noncurrent loans to loans | 0.4771% | 5,718 |
| Net loans and leases to total assets | 60.8733% | 3,474 |
| Net loans and leases to deposits | 67.9493% | 4,071 |
| Net loans and leases to core deposits | 72.3257% | 4,096 |
| Total domestic deposits to total assets | 89.5863% | 1,315 |
| Equity capital to assets | 10.1658% | 3,893 |
| Core capital (leverage) ratio | 9.9421% | 3,440 |
| Tier 1 risk-based capital ratio | 14.9516% | 3,790 |
| Total risk-based capital ratio | 16.2048% | 3,746 |
| Memoranda: | ||
| Average total assets | $43,473,000 | 6,548 |
| Average earning assets | $38,534,500 | 6,583 |
| Average equity | $4,483,000 | 6,586 |
| Average total loans | $27,602,000 | 6,214 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2289% | 1,948 |
| Cost of funding earning assets | 1.3046% | 1,464 |
| Net interest margin | 3.9243% | 3,227 |
| Noninterest income to average assets | 0.2410% | 5,816 |
| Noninterest expense to average assets | 3.0133% | 3,542 |
| Loan and lease loss provision to assets | 0.0351% | 6,124 |
| Net operating income to assets | 0.6925% | 3,526 |
| Return on assets (ROA) | 0.6925% | 3,714 |
| Pretax return on assets | 0.7253% | 4,236 |
| Return on Equity (ROE) | 6.9120% | 3,435 |
| Retained earnings to average equity (ytd only) | 5.5810% | 2,251 |
| Net charge-offs to loans | 0.2633% | 4,121 |
| Credit loss provision to net charge-offs | 21.4286% | 5,898 |
| Earnings coverage of net charge-offs (x) | 4.6429% | 3,035 |
| Efficiency ratio | 79.8512% | 2,322 |
| Assets per employee ($millions) | 3.2740% | 5,568 |
| Cash dividends to net income (ytd only)* | 19.2568% | 3,562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5280% | 3,895 |
| Loan loss allowance to noncurrent loans | 400.0000% | 840 |
| Noncurrent assets plus other real estate owned to assets | 1.3369% | 3,996 |
| Noncurrent loans to loans | 0.3820% | 5,947 |
| Net loans and leases to total assets | 64.2005% | 3,142 |
| Net loans and leases to deposits | 71.8701% | 3,815 |
| Net loans and leases to core deposits | 75.7114% | 4,020 |
| Total domestic deposits to total assets | 89.3285% | 1,344 |
| Equity capital to assets | 10.4647% | 3,571 |
| Core capital (leverage) ratio | 10.0807% | 3,246 |
| Tier 1 risk-based capital ratio | 14.6771% | 3,851 |
| Total risk-based capital ratio | 15.9306% | 3,829 |
| Memoranda: | ||
| Average total assets | $42,743,600 | 6,579 |
| Average earning assets | $38,478,200 | 6,583 |
| Average equity | $4,282,400 | 6,660 |
| Average total loans | $26,583,400 | 6,320 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1833% | 2,271 |
| Cost of funding earning assets | 1.3346% | 1,530 |
| Net interest margin | 3.8487% | 3,622 |
| Noninterest income to average assets | 0.1901% | 6,234 |
| Noninterest expense to average assets | 3.0630% | 3,307 |
| Loan and lease loss provision to assets | 0.0187% | 6,205 |
| Net operating income to assets | 0.5484% | 4,331 |
| Return on assets (ROA) | 0.5484% | 4,515 |
| Pretax return on assets | 0.5858% | 4,860 |
| Return on Equity (ROE) | 5.5351% | 4,263 |
| Retained earnings to average equity (ytd only) | 5.5351% | 2,838 |
| Net charge-offs to loans | 0.1521% | 4,552 |
| Credit loss provision to net charge-offs | 20.0000% | 5,553 |
| Earnings coverage of net charge-offs (x) | 6.4665% | 2,547 |
| Efficiency ratio | 83.5174% | 1,782 |
| Assets per employee ($millions) | 3.0077% | 6,100 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6703% | 3,380 |
| Loan loss allowance to noncurrent loans | 108.3333% | 2,761 |
| Noncurrent assets plus other real estate owned to assets | 2.0851% | 3,043 |
| Noncurrent loans to loans | 1.5418% | 3,969 |
| Net loans and leases to total assets | 63.6126% | 3,393 |
| Net loans and leases to deposits | 71.3057% | 4,095 |
| Net loans and leases to core deposits | 74.6024% | 4,364 |
| Total domestic deposits to total assets | 89.2111% | 1,299 |
| Equity capital to assets | 10.5277% | 3,672 |
| Core capital (leverage) ratio | 9.9694% | 3,478 |
| Tier 1 risk-based capital ratio | 15.2247% | 3,538 |
| Total risk-based capital ratio | 16.4797% | 3,496 |
| Memoranda: | ||
| Average total assets | $42,789,000 | 6,636 |
| Average earning assets | $38,661,750 | 6,639 |
| Average equity | $4,239,500 | 6,725 |
| Average total loans | $26,292,000 | 6,403 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0713% | 2,820 |
| Cost of funding earning assets | 1.3780% | 1,509 |
| Net interest margin | 3.6933% | 4,295 |
| Noninterest income to average assets | 0.3720% | 4,892 |
| Noninterest expense to average assets | 3.0686% | 3,365 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.6230% | 3,946 |
| Return on assets (ROA) | 0.6230% | 4,074 |
| Pretax return on assets | 0.6556% | 4,552 |
| Return on Equity (ROE) | 6.4192% | 3,739 |
| Retained earnings to average equity (ytd only) | 6.4192% | 2,181 |
| Net charge-offs to loans | 0.0385% | 5,313 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 28.2000% | 968 |
| Efficiency ratio | 82.3970% | 2,048 |
| Assets per employee ($millions) | 3.1018% | 5,875 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8296% | 2,894 |
| Loan loss allowance to noncurrent loans | 101.9355% | 2,817 |
| Noncurrent assets plus other real estate owned to assets | 2.2429% | 2,925 |
| Noncurrent loans to loans | 1.7949% | 3,763 |
| Net loans and leases to total assets | 58.5676% | 4,534 |
| Net loans and leases to deposits | 65.2195% | 5,113 |
| Net loans and leases to core deposits | 67.6878% | 5,322 |
| Total domestic deposits to total assets | 89.8008% | 1,071 |
| Equity capital to assets | 9.9666% | 4,199 |
| Core capital (leverage) ratio | 9.7949% | 3,529 |
| Tier 1 risk-based capital ratio | 15.8944% | 3,034 |
| Total risk-based capital ratio | 17.1495% | 3,007 |
| Memoranda: | ||
| Average total assets | $43,016,000 | 6,679 |
| Average earning assets | $39,043,330 | 6,681 |
| Average equity | $4,175,000 | 6,797 |
| Average total loans | $25,975,670 | 6,481 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0218% | 3,001 |
| Cost of funding earning assets | 1.4480% | 1,395 |
| Net interest margin | 3.5738% | 4,699 |
| Noninterest income to average assets | 0.3457% | 5,146 |
| Noninterest expense to average assets | 3.0739% | 3,365 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.4952% | 4,504 |
| Return on assets (ROA) | 0.4952% | 4,590 |
| Pretax return on assets | 0.5232% | 4,947 |
| Return on Equity (ROE) | 5.1726% | 4,306 |
| Retained earnings to average equity (ytd only) | 5.1726% | 3,075 |
| Net charge-offs to loans | -0.1077% | 7,109 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.4545% | 1,779 |
| Assets per employee ($millions) | 2.8513% | 6,442 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9393% | 2,570 |
| Loan loss allowance to noncurrent loans | 166.4384% | 1,761 |
| Noncurrent assets plus other real estate owned to assets | 1.8728% | 3,466 |
| Noncurrent loans to loans | 1.1652% | 4,754 |
| Net loans and leases to total assets | 57.4585% | 4,727 |
| Net loans and leases to deposits | 63.8096% | 5,277 |
| Net loans and leases to core deposits | 66.2310% | 5,487 |
| Total domestic deposits to total assets | 90.0468% | 1,126 |
| Equity capital to assets | 9.6446% | 4,256 |
| Core capital (leverage) ratio | 9.5880% | 3,672 |
| Tier 1 risk-based capital ratio | 16.1293% | 2,847 |
| Total risk-based capital ratio | 17.3884% | 2,808 |
| Memoranda: | ||
| Average total assets | $42,811,500 | 6,734 |
| Average earning assets | $38,950,000 | 6,722 |
| Average equity | $4,098,500 | 6,850 |
| Average total loans | $26,010,000 | 6,523 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0416% | 785 |
| Cost of funding earning assets | 1.9325% | 758 |
| Net interest margin | 4.1091% | 2,523 |
| Noninterest income to average assets | 0.4403% | 4,590 |
| Noninterest expense to average assets | 3.0746% | 3,571 |
| Loan and lease loss provision to assets | 0.0394% | 6,765 |
| Net operating income to assets | 0.7477% | 3,008 |
| Return on assets (ROA) | 0.7477% | 3,132 |
| Pretax return on assets | 0.8043% | 3,618 |
| Return on Equity (ROE) | 7.5833% | 2,854 |
| Retained earnings to average equity (ytd only) | 6.3361% | 1,646 |
| Net charge-offs to loans | 0.0289% | 6,515 |
| Credit loss provision to net charge-offs | 200.0000% | 1,561 |
| Earnings coverage of net charge-offs (x) | 42.8750% | 542 |
| Efficiency ratio | 78.4683% | 2,623 |
| Assets per employee ($millions) | 3.0609% | 5,972 |
| Cash dividends to net income (ytd only)* | 16.4474% | 3,570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7768% | 2,938 |
| Loan loss allowance to noncurrent loans | 166.3194% | 1,800 |
| Noncurrent assets plus other real estate owned to assets | 1.8598% | 3,543 |
| Noncurrent loans to loans | 1.0683% | 4,947 |
| Net loans and leases to total assets | 61.7926% | 4,324 |
| Net loans and leases to deposits | 68.5531% | 5,023 |
| Net loans and leases to core deposits | 71.6063% | 5,251 |
| Total domestic deposits to total assets | 90.1384% | 1,018 |
| Equity capital to assets | 9.5023% | 4,403 |
| Core capital (leverage) ratio | 9.4627% | 3,751 |
| Tier 1 risk-based capital ratio | 14.9659% | 3,272 |
| Total risk-based capital ratio | 16.2235% | 3,220 |
| Memoranda: | ||
| Average total assets | $40,656,000 | 6,840 |
| Average earning assets | $34,411,400 | 6,936 |
| Average equity | $4,008,800 | 6,999 |
| Average total loans | $27,683,800 | 6,517 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2409% | 569 |
| Cost of funding earning assets | 2.0228% | 702 |
| Net interest margin | 4.2181% | 2,158 |
| Noninterest income to average assets | 0.4421% | 4,625 |
| Noninterest expense to average assets | 3.0850% | 3,399 |
| Loan and lease loss provision to assets | 0.0532% | 6,550 |
| Net operating income to assets | 0.7679% | 3,145 |
| Return on assets (ROA) | 0.7679% | 3,299 |
| Pretax return on assets | 0.7978% | 3,913 |
| Return on Equity (ROE) | 7.7132% | 3,017 |
| Retained earnings to average equity (ytd only) | 6.0771% | 2,313 |
| Net charge-offs to loans | -0.0622% | 7,493 |
| Credit loss provision to net charge-offs | -123.0769% | 6,919 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3784% | 2,571 |
| Assets per employee ($millions) | 2.9805% | 6,191 |
| Cash dividends to net income (ytd only)* | 21.2117% | 2,921 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7741% | 2,874 |
| Loan loss allowance to noncurrent loans | 60.6796% | 4,287 |
| Noncurrent assets plus other real estate owned to assets | 1.9747% | 3,500 |
| Noncurrent loans to loans | 2.9237% | 2,728 |
| Net loans and leases to total assets | 66.3431% | 3,609 |
| Net loans and leases to deposits | 73.8588% | 4,538 |
| Net loans and leases to core deposits | 76.6333% | 4,974 |
| Total domestic deposits to total assets | 89.8243% | 961 |
| Equity capital to assets | 9.7874% | 4,430 |
| Core capital (leverage) ratio | 9.6798% | 3,652 |
| Tier 1 risk-based capital ratio | 14.0198% | 3,817 |
| Total risk-based capital ratio | 15.2761% | 3,782 |
| Memoranda: | ||
| Average total assets | $40,106,750 | 6,947 |
| Average earning assets | $33,220,750 | 7,056 |
| Average equity | $3,993,000 | 7,097 |
| Average total loans | $27,865,000 | 6,600 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3719% | 435 |
| Cost of funding earning assets | 2.1032% | 649 |
| Net interest margin | 4.2687% | 1,899 |
| Noninterest income to average assets | 0.4448% | 4,565 |
| Noninterest expense to average assets | 3.1087% | 3,280 |
| Loan and lease loss provision to assets | 0.0708% | 6,244 |
| Net operating income to assets | 0.7077% | 3,368 |
| Return on assets (ROA) | 0.7077% | 3,522 |
| Pretax return on assets | 0.7329% | 4,134 |
| Return on Equity (ROE) | 7.0659% | 3,271 |
| Retained earnings to average equity (ytd only) | 4.5929% | 3,154 |
| Net charge-offs to loans | -0.0720% | 7,511 |
| Credit loss provision to net charge-offs | -140.0000% | 6,698 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4574% | 2,512 |
| Assets per employee ($millions) | 2.9321% | 6,294 |
| Cash dividends to net income (ytd only)* | 35.0000% | 2,316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7778% | 2,790 |
| Loan loss allowance to noncurrent loans | 50.6653% | 4,926 |
| Noncurrent assets plus other real estate owned to assets | 2.3800% | 3,029 |
| Noncurrent loans to loans | 3.5088% | 2,254 |
| Net loans and leases to total assets | 66.6236% | 3,704 |
| Net loans and leases to deposits | 74.1829% | 4,649 |
| Net loans and leases to core deposits | 76.4472% | 5,148 |
| Total domestic deposits to total assets | 89.8100% | 1,016 |
| Equity capital to assets | 9.7783% | 4,300 |
| Core capital (leverage) ratio | 9.8180% | 3,378 |
| Tier 1 risk-based capital ratio | 13.8657% | 3,825 |
| Total risk-based capital ratio | 15.1223% | 3,782 |
| Memoranda: | ||
| Average total assets | $39,566,670 | 7,013 |
| Average earning assets | $32,141,000 | 7,148 |
| Average equity | $3,962,670 | 7,136 |
| Average total loans | $27,759,000 | 6,651 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2622% | 569 |
| Cost of funding earning assets | 2.0997% | 811 |
| Net interest margin | 4.1624% | 2,183 |
| Noninterest income to average assets | 0.4430% | 4,539 |
| Noninterest expense to average assets | 3.0702% | 3,390 |
| Loan and lease loss provision to assets | 0.0721% | 5,915 |
| Net operating income to assets | 0.7418% | 3,251 |
| Return on assets (ROA) | 0.7418% | 3,354 |
| Pretax return on assets | 0.7727% | 3,980 |
| Return on Equity (ROE) | 7.3152% | 3,201 |
| Retained earnings to average equity (ytd only) | 7.3152% | 2,011 |
| Net charge-offs to loans | -0.0577% | 7,383 |
| Credit loss provision to net charge-offs | -175.0000% | 6,117 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4211% | 2,827 |
| Assets per employee ($millions) | 2.4283% | 7,297 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7942% | 2,752 |
| Loan loss allowance to noncurrent loans | 49.0835% | 5,060 |
| Noncurrent assets plus other real estate owned to assets | 2.5275% | 2,874 |
| Noncurrent loans to loans | 3.6554% | 2,177 |
| Net loans and leases to total assets | 67.9038% | 3,408 |
| Net loans and leases to deposits | 75.9325% | 4,430 |
| Net loans and leases to core deposits | 77.7978% | 5,047 |
| Total domestic deposits to total assets | 89.4265% | 1,283 |
| Equity capital to assets | 10.2183% | 3,578 |
| Core capital (leverage) ratio | 10.0373% | 3,121 |
| Tier 1 risk-based capital ratio | 14.4854% | 3,383 |
| Total risk-based capital ratio | 15.7411% | 3,353 |
| Memoranda: | ||
| Average total assets | $38,825,000 | 7,125 |
| Average earning assets | $32,385,000 | 7,226 |
| Average equity | $3,937,000 | 7,208 |
| Average total loans | $27,716,500 | 6,737 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6745% | 493 |
| Cost of funding earning assets | 2.1140% | 2,392 |
| Net interest margin | 4.5605% | 1,058 |
| Noninterest income to average assets | 0.5446% | 4,070 |
| Noninterest expense to average assets | 3.3054% | 2,998 |
| Loan and lease loss provision to assets | 0.4668% | 4,034 |
| Net operating income to assets | 0.8156% | 2,474 |
| Return on assets (ROA) | 0.8156% | 2,562 |
| Pretax return on assets | 0.8934% | 2,947 |
| Return on Equity (ROE) | 7.8346% | 2,448 |
| Retained earnings to average equity (ytd only) | 2.8091% | 3,201 |
| Net charge-offs to loans | 0.0582% | 6,512 |
| Credit loss provision to net charge-offs | 1,023.5294% | 284 |
| Earnings coverage of net charge-offs (x) | 29.8235% | 772 |
| Efficiency ratio | 70.8453% | 4,468 |
| Assets per employee ($millions) | 2.4249% | 7,322 |
| Cash dividends to net income (ytd only)* | 64.1447% | 1,818 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6486% | 3,091 |
| Loan loss allowance to noncurrent loans | 65.1452% | 4,133 |
| Noncurrent assets plus other real estate owned to assets | 1.8635% | 3,581 |
| Noncurrent loans to loans | 2.5307% | 3,023 |
| Net loans and leases to total assets | 72.4213% | 2,656 |
| Net loans and leases to deposits | 80.9134% | 3,818 |
| Net loans and leases to core deposits | 98.8983% | 4,127 |
| Total domestic deposits to total assets | 89.5046% | 1,206 |
| Equity capital to assets | 10.0624% | 3,675 |
| Core capital (leverage) ratio | 10.0248% | 3,062 |
| Tier 1 risk-based capital ratio | 13.5095% | 3,813 |
| Total risk-based capital ratio | 14.7631% | 3,757 |
| Memoranda: | ||
| Average total assets | $37,272,200 | 7,199 |
| Average earning assets | $33,680,600 | 7,201 |
| Average equity | $3,880,200 | 7,336 |
| Average total loans | $29,225,600 | 6,674 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7357% | 475 |
| Cost of funding earning assets | 2.1264% | 2,764 |
| Net interest margin | 4.6093% | 977 |
| Noninterest income to average assets | 0.5313% | 4,224 |
| Noninterest expense to average assets | 3.1769% | 3,374 |
| Loan and lease loss provision to assets | 0.6036% | 2,975 |
| Net operating income to assets | 0.9252% | 2,325 |
| Return on assets (ROA) | 0.9252% | 2,397 |
| Pretax return on assets | 0.9577% | 3,035 |
| Return on Equity (ROE) | 8.8100% | 2,337 |
| Retained earnings to average equity (ytd only) | 5.4374% | 2,234 |
| Net charge-offs to loans | 0.0272% | 6,497 |
| Credit loss provision to net charge-offs | 2,783.3333% | 147 |
| Earnings coverage of net charge-offs (x) | 71.9988% | 468 |
| Efficiency ratio | 67.0481% | 5,174 |
| Assets per employee ($millions) | 2.3450% | 7,450 |
| Cash dividends to net income (ytd only)* | 38.2808% | 2,516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5756% | 3,099 |
| Loan loss allowance to noncurrent loans | 83.4798% | 3,268 |
| Noncurrent assets plus other real estate owned to assets | 1.5165% | 4,094 |
| Noncurrent loans to loans | 1.8874% | 3,790 |
| Net loans and leases to total assets | 79.0832% | 1,370 |
| Net loans and leases to deposits | 88.9049% | 2,805 |
| Net loans and leases to core deposits | 108.7803% | 3,374 |
| Total domestic deposits to total assets | 88.9526% | 1,217 |
| Equity capital to assets | 10.6023% | 3,400 |
| Core capital (leverage) ratio | 10.3395% | 2,935 |
| Tier 1 risk-based capital ratio | 13.2020% | 4,052 |
| Total risk-based capital ratio | 14.4561% | 3,991 |
| Memoranda: | ||
| Average total assets | $36,890,750 | 7,280 |
| Average earning assets | $33,670,250 | 7,264 |
| Average equity | $3,874,250 | 7,392 |
| Average total loans | $29,389,750 | 6,714 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7509% | 490 |
| Cost of funding earning assets | 2.1353% | 3,109 |
| Net interest margin | 4.6156% | 927 |
| Noninterest income to average assets | 0.5234% | 4,244 |
| Noninterest expense to average assets | 3.2115% | 3,306 |
| Loan and lease loss provision to assets | 0.8669% | 1,943 |
| Net operating income to assets | 0.6161% | 3,611 |
| Return on assets (ROA) | 0.6161% | 3,722 |
| Pretax return on assets | 0.6761% | 4,080 |
| Return on Equity (ROE) | 5.8859% | 3,706 |
| Retained earnings to average equity (ytd only) | 0.7813% | 4,881 |
| Net charge-offs to loans | 0.0069% | 6,500 |
| Credit loss provision to net charge-offs | 15,900.0000% | 25 |
| Earnings coverage of net charge-offs (x) | 283.0000% | 135 |
| Efficiency ratio | 67.5459% | 5,246 |
| Assets per employee ($millions) | 2.4806% | 7,288 |
| Cash dividends to net income (ytd only)* | 86.7257% | 956 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5930% | 2,776 |
| Loan loss allowance to noncurrent loans | 156.8106% | 1,885 |
| Noncurrent assets plus other real estate owned to assets | 0.8089% | 5,368 |
| Noncurrent loans to loans | 1.0159% | 5,176 |
| Net loans and leases to total assets | 78.3628% | 1,669 |
| Net loans and leases to deposits | 87.7751% | 3,203 |
| Net loans and leases to core deposits | 106.7120% | 3,751 |
| Total domestic deposits to total assets | 89.2768% | 1,134 |
| Equity capital to assets | 10.2314% | 3,692 |
| Core capital (leverage) ratio | 10.1239% | 3,166 |
| Tier 1 risk-based capital ratio | 12.9902% | 4,154 |
| Total risk-based capital ratio | 14.2437% | 4,070 |
| Memoranda: | ||
| Average total assets | $36,681,000 | 7,356 |
| Average earning assets | $33,625,000 | 7,334 |
| Average equity | $3,839,670 | 7,462 |
| Average total loans | $29,137,330 | 6,781 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7242% | 556 |
| Cost of funding earning assets | 2.1818% | 3,256 |
| Net interest margin | 4.5424% | 1,049 |
| Noninterest income to average assets | 0.4943% | 4,373 |
| Noninterest expense to average assets | 3.0645% | 3,504 |
| Loan and lease loss provision to assets | 0.0330% | 6,525 |
| Net operating income to assets | 1.5268% | 891 |
| Return on assets (ROA) | 1.5268% | 964 |
| Pretax return on assets | 1.5817% | 1,453 |
| Return on Equity (ROE) | 14.4191% | 1,086 |
| Retained earnings to average equity (ytd only) | 14.4191% | 477 |
| Net charge-offs to loans | 0.0554% | 4,695 |
| Credit loss provision to net charge-offs | 75.0000% | 4,263 |
| Earnings coverage of net charge-offs (x) | 36.7500% | 910 |
| Efficiency ratio | 65.4930% | 5,423 |
| Assets per employee ($millions) | 2.4033% | 7,453 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0874% | 5,556 |
| Loan loss allowance to noncurrent loans | 1,252.0000% | 340 |
| Noncurrent assets plus other real estate owned to assets | 0.0694% | 7,388 |
| Noncurrent loans to loans | 0.0869% | 7,276 |
| Net loans and leases to total assets | 78.9758% | 1,588 |
| Net loans and leases to deposits | 89.1387% | 3,082 |
| Net loans and leases to core deposits | 107.1187% | 3,782 |
| Total domestic deposits to total assets | 88.5989% | 1,427 |
| Equity capital to assets | 10.9102% | 3,055 |
| Core capital (leverage) ratio | 10.5158% | 2,904 |
| Tier 1 risk-based capital ratio | 13.7957% | 3,698 |
| Total risk-based capital ratio | 14.9223% | 3,678 |
| Memoranda: | ||
| Average total assets | $36,417,000 | 7,398 |
| Average earning assets | $33,550,500 | 7,377 |
| Average equity | $3,856,000 | 7,500 |
| Average total loans | $28,891,000 | 6,825 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0892% | 934 |
| Cost of funding earning assets | 2.5261% | 4,066 |
| Net interest margin | 4.5632% | 1,278 |
| Noninterest income to average assets | 0.4292% | 5,221 |
| Noninterest expense to average assets | 3.2416% | 3,177 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.2509% | 1,630 |
| Return on assets (ROA) | 1.2509% | 1,572 |
| Pretax return on assets | 1.3243% | 2,224 |
| Return on Equity (ROE) | 12.3186% | 1,508 |
| Retained earnings to average equity (ytd only) | 6.8684% | 1,197 |
| Net charge-offs to loans | -0.0342% | 7,987 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9957% | 4,136 |
| Assets per employee ($millions) | 2.4523% | 7,295 |
| Cash dividends to net income (ytd only)* | 44.2438% | 3,448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0828% | 5,395 |
| Loan loss allowance to noncurrent loans | 923.5294% | 516 |
| Noncurrent assets plus other real estate owned to assets | 0.0924% | 7,208 |
| Noncurrent loans to loans | 0.1172% | 7,066 |
| Net loans and leases to total assets | 77.9802% | 2,144 |
| Net loans and leases to deposits | 87.4223% | 3,877 |
| Net loans and leases to core deposits | 104.1614% | 4,378 |
| Total domestic deposits to total assets | 89.1994% | 962 |
| Equity capital to assets | 10.2732% | 3,737 |
| Core capital (leverage) ratio | 10.0731% | 3,378 |
| Tier 1 risk-based capital ratio | 12.9151% | 4,155 |
| Total risk-based capital ratio | 14.0126% | 4,172 |
| Memoranda: | ||
| Average total assets | $35,414,800 | 7,407 |
| Average earning assets | $32,105,000 | 7,403 |
| Average equity | $3,596,200 | 7,648 |
| Average total loans | $26,286,800 | 6,946 |