Home > The First National Bank of Wellston > Performance and Condition Ratios
The First National Bank of Wellston, 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 | 4.6926% | 1,268 |
Cost of funding earning assets | 0.4702% | 3,229 |
Net interest margin | 4.2224% | 1,158 |
Noninterest income to average assets | 0.4859% | 3,521 |
Noninterest expense to average assets | 3.4630% | 1,564 |
Loan and lease loss provision to assets | 0.3004% | 643 |
Net operating income to assets | 0.5080% | 4,647 |
Return on assets (ROA) | 0.5080% | 4,728 |
Pretax return on assets | 0.6493% | 4,664 |
Return on Equity (ROE) | 3.9640% | 5,054 |
Retained earnings to average equity (ytd only) | 3.9640% | 3,736 |
Net charge-offs to loans | 0.3422% | 1,045 |
Credit loss provision to net charge-offs | 130.7692% | 1,378 |
Earnings coverage of net charge-offs (x) | 4.1346% | 2,567 |
Efficiency ratio | 78.4785% | 2,411 |
Assets per employee ($millions) | 2.7388% | 6,162 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2196% | 4,548 |
Loan loss allowance to noncurrent loans | 32.2889% | 5,794 |
Noncurrent assets plus other real estate owned to assets | 3.0494% | 928 |
Noncurrent loans to loans | 3.7772% | 745 |
Net loans and leases to total assets | 66.4944% | 2,486 |
Net loans and leases to deposits | 76.6367% | 2,738 |
Net loans and leases to core deposits | 78.5602% | 3,142 |
Total domestic deposits to total assets | 86.7657% | 2,958 |
Equity capital to assets | 12.9388% | 1,332 |
Core capital (leverage) ratio | 12.9072% | 1,202 |
Tier 1 risk-based capital ratio | 24.8943% | 901 |
Total risk-based capital ratio | 26.1495% | 887 |
Memoranda: | ||
Average total assets | $90,556,500 | 4,955 |
Average earning assets | $84,218,000 | 4,909 |
Average equity | $11,604,500 | 4,490 |
Average total loans | $60,782,000 | 4,558 |
2013-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9179% | 1,061 |
Cost of funding earning assets | 0.5891% | 2,763 |
Net interest margin | 4.3288% | 1,039 |
Noninterest income to average assets | 0.5366% | 3,507 |
Noninterest expense to average assets | 3.6520% | 1,373 |
Loan and lease loss provision to assets | 0.3026% | 1,108 |
Net operating income to assets | 0.4005% | 5,140 |
Return on assets (ROA) | 0.4014% | 5,255 |
Pretax return on assets | 0.4786% | 5,262 |
Return on Equity (ROE) | 3.1852% | 5,437 |
Retained earnings to average equity (ytd only) | 0.6302% | 5,550 |
Net charge-offs to loans | 0.2976% | 2,204 |
Credit loss provision to net charge-offs | 162.0690% | 1,416 |
Earnings coverage of net charge-offs (x) | 4.1782% | 3,649 |
Efficiency ratio | 82.3971% | 1,825 |
Assets per employee ($millions) | 2.6686% | 6,254 |
Cash dividends to net income (ytd only)* | 80.2139% | 909 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1956% | 4,684 |
Loan loss allowance to noncurrent loans | 30.7367% | 5,928 |
Noncurrent assets plus other real estate owned to assets | 3.0209% | 1,043 |
Noncurrent loans to loans | 3.8897% | 756 |
Net loans and leases to total assets | 66.1263% | 2,675 |
Net loans and leases to deposits | 76.0299% | 2,962 |
Net loans and leases to core deposits | 76.9850% | 3,492 |
Total domestic deposits to total assets | 86.9740% | 2,739 |
Equity capital to assets | 12.6909% | 1,428 |
Core capital (leverage) ratio | 12.5997% | 1,307 |
Tier 1 risk-based capital ratio | 23.2023% | 1,067 |
Total risk-based capital ratio | 24.4520% | 1,046 |
Memoranda: | ||
Average total assets | $93,181,400 | 4,901 |
Average earning assets | $83,856,800 | 4,937 |
Average equity | $11,741,800 | 4,501 |
Average total loans | $58,461,600 | 4,667 |
2013-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9211% | 1,084 |
Cost of funding earning assets | 0.6149% | 2,687 |
Net interest margin | 4.3061% | 1,081 |
Noninterest income to average assets | 0.5501% | 3,456 |
Noninterest expense to average assets | 3.5823% | 1,430 |
Loan and lease loss provision to assets | 0.3312% | 998 |
Net operating income to assets | 0.3923% | 5,273 |
Return on assets (ROA) | 0.3923% | 5,411 |
Pretax return on assets | 0.4791% | 5,421 |
Return on Equity (ROE) | 3.1190% | 5,566 |
Retained earnings to average equity (ytd only) | 3.1190% | 4,453 |
Net charge-offs to loans | 0.4168% | 1,541 |
Credit loss provision to net charge-offs | 128.7293% | 1,832 |
Earnings coverage of net charge-offs (x) | 3.1491% | 3,788 |
Efficiency ratio | 81.5534% | 1,891 |
Assets per employee ($millions) | 2.6920% | 6,282 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1281% | 5,215 |
Loan loss allowance to noncurrent loans | 28.9167% | 6,021 |
Noncurrent assets plus other real estate owned to assets | 2.8811% | 1,290 |
Noncurrent loans to loans | 3.9011% | 915 |
Net loans and leases to total assets | 64.1578% | 2,978 |
Net loans and leases to deposits | 74.1153% | 3,218 |
Net loans and leases to core deposits | 75.9362% | 3,623 |
Total domestic deposits to total assets | 86.5649% | 2,926 |
Equity capital to assets | 12.8375% | 1,402 |
Core capital (leverage) ratio | 12.7444% | 1,308 |
Tier 1 risk-based capital ratio | 25.1870% | 857 |
Total risk-based capital ratio | 26.4601% | 845 |
Memoranda: | ||
Average total assets | $93,793,250 | 4,941 |
Average earning assets | $83,692,500 | 4,980 |
Average equity | $11,798,500 | 4,538 |
Average total loans | $57,895,750 | 4,739 |
2013-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8857% | 1,129 |
Cost of funding earning assets | 0.6429% | 2,565 |
Net interest margin | 4.2428% | 1,160 |
Noninterest income to average assets | 0.5458% | 3,533 |
Noninterest expense to average assets | 3.5939% | 1,418 |
Loan and lease loss provision to assets | 0.3173% | 1,111 |
Net operating income to assets | 0.3300% | 5,487 |
Return on assets (ROA) | 0.3300% | 5,647 |
Pretax return on assets | 0.4040% | 5,633 |
Return on Equity (ROE) | 2.6408% | 5,740 |
Retained earnings to average equity (ytd only) | 2.6408% | 4,628 |
Net charge-offs to loans | 0.4948% | 1,318 |
Credit loss provision to net charge-offs | 105.6338% | 2,095 |
Earnings coverage of net charge-offs (x) | 2.4014% | 3,719 |
Efficiency ratio | 83.2843% | 1,719 |
Assets per employee ($millions) | 2.7316% | 6,250 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0955% | 5,467 |
Loan loss allowance to noncurrent loans | 24.5972% | 6,195 |
Noncurrent assets plus other real estate owned to assets | 3.0417% | 1,333 |
Noncurrent loans to loans | 4.4537% | 786 |
Net loans and leases to total assets | 60.8521% | 3,509 |
Net loans and leases to deposits | 69.7973% | 3,743 |
Net loans and leases to core deposits | 71.4645% | 4,114 |
Total domestic deposits to total assets | 87.1840% | 2,717 |
Equity capital to assets | 12.5587% | 1,542 |
Core capital (leverage) ratio | 12.3762% | 1,421 |
Tier 1 risk-based capital ratio | 23.0083% | 1,130 |
Total risk-based capital ratio | 24.2467% | 1,123 |
Memoranda: | ||
Average total assets | $94,548,000 | 4,948 |
Average earning assets | $84,000,670 | 5,007 |
Average equity | $11,814,670 | 4,569 |
Average total loans | $57,396,670 | 4,770 |
2013-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8496% | 1,198 |
Cost of funding earning assets | 0.6753% | 2,434 |
Net interest margin | 4.1743% | 1,265 |
Noninterest income to average assets | 0.5116% | 3,700 |
Noninterest expense to average assets | 3.4974% | 1,625 |
Loan and lease loss provision to assets | 0.3481% | 944 |
Net operating income to assets | 0.3061% | 5,550 |
Return on assets (ROA) | 0.3061% | 5,673 |
Pretax return on assets | 0.3732% | 5,638 |
Return on Equity (ROE) | 2.4558% | 5,793 |
Retained earnings to average equity (ytd only) | 2.4558% | 4,796 |
Net charge-offs to loans | 0.7719% | 790 |
Credit loss provision to net charge-offs | 74.7748% | 2,233 |
Earnings coverage of net charge-offs (x) | 1.5495% | 3,315 |
Efficiency ratio | 82.9026% | 1,903 |
Assets per employee ($millions) | 2.7886% | 6,291 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0317% | 5,869 |
Loan loss allowance to noncurrent loans | 22.3316% | 6,288 |
Noncurrent assets plus other real estate owned to assets | 3.0513% | 1,459 |
Noncurrent loans to loans | 4.6199% | 882 |
Net loans and leases to total assets | 59.6943% | 3,485 |
Net loans and leases to deposits | 68.6569% | 3,685 |
Net loans and leases to core deposits | 70.1982% | 4,053 |
Total domestic deposits to total assets | 86.9459% | 2,996 |
Equity capital to assets | 12.5690% | 1,671 |
Core capital (leverage) ratio | 12.1477% | 1,492 |
Tier 1 risk-based capital ratio | 22.5299% | 1,231 |
Total risk-based capital ratio | 23.6810% | 1,235 |
Memoranda: | ||
Average total assets | $95,384,000 | 4,962 |
Average earning assets | $84,708,500 | 5,019 |
Average equity | $11,890,000 | 4,599 |
Average total loans | $57,523,500 | 4,794 |
2012-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1458% | 1,219 |
Cost of funding earning assets | 0.7917% | 2,735 |
Net interest margin | 4.3541% | 1,273 |
Noninterest income to average assets | 0.3401% | 5,027 |
Noninterest expense to average assets | 3.5014% | 1,809 |
Loan and lease loss provision to assets | 0.5017% | 1,186 |
Net operating income to assets | 0.2133% | 5,751 |
Return on assets (ROA) | 0.3031% | 5,667 |
Pretax return on assets | 0.3750% | 5,642 |
Return on Equity (ROE) | 2.4178% | 5,790 |
Retained earnings to average equity (ytd only) | 0.7329% | 5,501 |
Net charge-offs to loans | 0.6941% | 1,704 |
Credit loss provision to net charge-offs | 116.1369% | 2,485 |
Earnings coverage of net charge-offs (x) | 1.7726% | 4,548 |
Efficiency ratio | 82.0545% | 1,860 |
Assets per employee ($millions) | 2.8222% | 6,286 |
Cash dividends to net income (ytd only)* | 69.6864% | 1,385 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0681% | 5,684 |
Loan loss allowance to noncurrent loans | 23.1201% | 6,317 |
Noncurrent assets plus other real estate owned to assets | 3.0160% | 1,571 |
Noncurrent loans to loans | 4.6199% | 911 |
Net loans and leases to total assets | 59.6540% | 3,662 |
Net loans and leases to deposits | 68.5086% | 3,903 |
Net loans and leases to core deposits | 70.0136% | 4,313 |
Total domestic deposits to total assets | 87.0752% | 2,801 |
Equity capital to assets | 12.3631% | 1,815 |
Core capital (leverage) ratio | 12.0965% | 1,519 |
Tier 1 risk-based capital ratio | 24.0052% | 969 |
Total risk-based capital ratio | 25.2563% | 952 |
Memoranda: | ||
Average total assets | $94,676,200 | 4,971 |
Average earning assets | $85,390,200 | 4,980 |
Average equity | $11,870,200 | 4,593 |
Average total loans | $58,925,200 | 4,756 |
2012-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1861% | 1,226 |
Cost of funding earning assets | 0.8155% | 2,814 |
Net interest margin | 4.3706% | 1,278 |
Noninterest income to average assets | 0.2982% | 5,390 |
Noninterest expense to average assets | 3.5142% | 1,723 |
Loan and lease loss provision to assets | 0.5935% | 942 |
Net operating income to assets | 0.1242% | 6,083 |
Return on assets (ROA) | 0.2459% | 5,985 |
Pretax return on assets | 0.2996% | 5,958 |
Return on Equity (ROE) | 1.9541% | 6,037 |
Retained earnings to average equity (ytd only) | 1.9541% | 5,350 |
Net charge-offs to loans | 0.7974% | 1,380 |
Credit loss provision to net charge-offs | 118.6441% | 2,444 |
Earnings coverage of net charge-offs (x) | 1.4887% | 4,542 |
Efficiency ratio | 82.5149% | 1,753 |
Assets per employee ($millions) | 2.7612% | 6,409 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0714% | 5,821 |
Loan loss allowance to noncurrent loans | 25.9773% | 6,309 |
Noncurrent assets plus other real estate owned to assets | 2.8473% | 1,845 |
Noncurrent loans to loans | 4.1244% | 1,216 |
Net loans and leases to total assets | 60.7829% | 3,616 |
Net loans and leases to deposits | 70.1770% | 3,872 |
Net loans and leases to core deposits | 71.7494% | 4,286 |
Total domestic deposits to total assets | 86.6138% | 2,912 |
Equity capital to assets | 12.7823% | 1,722 |
Core capital (leverage) ratio | 12.3814% | 1,455 |
Tier 1 risk-based capital ratio | 24.4646% | 960 |
Total risk-based capital ratio | 25.7153% | 949 |
Memoranda: | ||
Average total assets | $94,356,500 | 5,030 |
Average earning assets | $85,508,000 | 5,035 |
Average equity | $11,872,000 | 4,637 |
Average total loans | $59,191,750 | 4,792 |
2012-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1960% | 1,267 |
Cost of funding earning assets | 0.8489% | 2,802 |
Net interest margin | 4.3471% | 1,346 |
Noninterest income to average assets | 0.2222% | 5,982 |
Noninterest expense to average assets | 3.4661% | 1,867 |
Loan and lease loss provision to assets | 0.6348% | 915 |
Net operating income to assets | 0.0561% | 6,246 |
Return on assets (ROA) | 0.1820% | 6,145 |
Pretax return on assets | 0.2137% | 6,130 |
Return on Equity (ROE) | 1.4540% | 6,202 |
Retained earnings to average equity (ytd only) | 1.4540% | 5,469 |
Net charge-offs to loans | 0.9582% | 1,156 |
Credit loss provision to net charge-offs | 104.8951% | 2,589 |
Earnings coverage of net charge-offs (x) | 1.1573% | 4,437 |
Efficiency ratio | 83.1894% | 1,724 |
Assets per employee ($millions) | 2.7556% | 6,467 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9656% | 6,280 |
Loan loss allowance to noncurrent loans | 22.1787% | 6,456 |
Noncurrent assets plus other real estate owned to assets | 3.2928% | 1,647 |
Noncurrent loans to loans | 4.3538% | 1,232 |
Net loans and leases to total assets | 61.9597% | 3,449 |
Net loans and leases to deposits | 71.4163% | 3,695 |
Net loans and leases to core deposits | 73.0042% | 4,167 |
Total domestic deposits to total assets | 86.7585% | 2,920 |
Equity capital to assets | 12.7004% | 1,688 |
Core capital (leverage) ratio | 12.1946% | 1,499 |
Tier 1 risk-based capital ratio | 23.8262% | 1,038 |
Total risk-based capital ratio | 25.0016% | 1,029 |
Memoranda: | ||
Average total assets | $94,515,330 | 5,053 |
Average earning assets | $85,758,000 | 5,055 |
Average equity | $11,829,330 | 4,643 |
Average total loans | $59,695,330 | 4,800 |
2012-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.4324% | 867 |
Cost of funding earning assets | 0.9101% | 2,610 |
Net interest margin | 4.5224% | 972 |
Noninterest income to average assets | 0.1053% | 6,714 |
Noninterest expense to average assets | 3.6027% | 1,551 |
Loan and lease loss provision to assets | 0.7585% | 666 |
Net operating income to assets | -0.1138% | 6,556 |
Return on assets (ROA) | -0.1138% | 6,630 |
Pretax return on assets | -0.1517% | 6,633 |
Return on Equity (ROE) | -0.9157% | 6,618 |
Retained earnings to average equity (ytd only) | -0.9157% | 6,142 |
Net charge-offs to loans | 1.5871% | 627 |
Credit loss provision to net charge-offs | 75.3138% | 2,814 |
Earnings coverage of net charge-offs (x) | 0.6025% | 4,035 |
Efficiency ratio | 85.5856% | 1,515 |
Assets per employee ($millions) | 2.7088% | 6,626 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8282% | 6,692 |
Loan loss allowance to noncurrent loans | 59.4692% | 4,560 |
Noncurrent assets plus other real estate owned to assets | 1.9523% | 2,970 |
Noncurrent loans to loans | 1.3926% | 4,020 |
Net loans and leases to total assets | 62.2673% | 3,204 |
Net loans and leases to deposits | 71.4900% | 3,512 |
Net loans and leases to core deposits | 73.0414% | 4,017 |
Total domestic deposits to total assets | 87.0993% | 2,903 |
Equity capital to assets | 12.4134% | 1,781 |
Core capital (leverage) ratio | 12.0722% | 1,550 |
Tier 1 risk-based capital ratio | 22.9529% | 1,139 |
Total risk-based capital ratio | 23.9489% | 1,153 |
Memoranda: | ||
Average total assets | $94,928,000 | 5,069 |
Average earning assets | $86,149,000 | 5,075 |
Average equity | $11,794,500 | 4,657 |
Average total loans | $60,235,000 | 4,810 |
2011-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.6098% | 935 |
Cost of funding earning assets | 1.1710% | 2,213 |
Net interest margin | 4.4388% | 1,291 |
Noninterest income to average assets | 0.5377% | 3,599 |
Noninterest expense to average assets | 3.8060% | 1,340 |
Loan and lease loss provision to assets | 0.3486% | 2,910 |
Net operating income to assets | 0.3758% | 4,969 |
Return on assets (ROA) | 0.3951% | 5,056 |
Pretax return on assets | 0.4785% | 5,050 |
Return on Equity (ROE) | 3.1591% | 5,223 |
Retained earnings to average equity (ytd only) | -0.3886% | 5,913 |
Net charge-offs to loans | 0.2634% | 4,120 |
Credit loss provision to net charge-offs | 197.6048% | 1,283 |
Earnings coverage of net charge-offs (x) | 4.5569% | 3,069 |
Efficiency ratio | 82.5619% | 1,945 |
Assets per employee ($millions) | 2.7955% | 6,464 |
Cash dividends to net income (ytd only)* | 112.2995% | 242 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9058% | 6,522 |
Loan loss allowance to noncurrent loans | 69.9620% | 4,047 |
Noncurrent assets plus other real estate owned to assets | 2.0990% | 2,846 |
Noncurrent loans to loans | 1.2947% | 4,209 |
Net loans and leases to total assets | 63.5370% | 3,284 |
Net loans and leases to deposits | 73.0840% | 3,650 |
Net loans and leases to core deposits | 74.9051% | 4,115 |
Total domestic deposits to total assets | 86.9370% | 2,800 |
Equity capital to assets | 12.4360% | 1,833 |
Core capital (leverage) ratio | 11.9333% | 1,636 |
Tier 1 risk-based capital ratio | 22.5490% | 1,155 |
Total risk-based capital ratio | 23.6421% | 1,156 |
Memoranda: | ||
Average total assets | $94,666,200 | 5,059 |
Average earning assets | $86,847,400 | 5,029 |
Average equity | $11,838,800 | 4,586 |
Average total loans | $63,393,000 | 4,730 |
2011-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.6940% | 860 |
Cost of funding earning assets | 1.2154% | 2,221 |
Net interest margin | 4.4785% | 1,198 |
Noninterest income to average assets | 0.2679% | 5,700 |
Noninterest expense to average assets | 3.6416% | 1,621 |
Loan and lease loss provision to assets | 0.2961% | 3,159 |
Net operating income to assets | 0.3792% | 5,086 |
Return on assets (ROA) | 0.3792% | 5,270 |
Pretax return on assets | 0.4497% | 5,316 |
Return on Equity (ROE) | 3.0283% | 5,405 |
Retained earnings to average equity (ytd only) | 3.0283% | 4,527 |
Net charge-offs to loans | 0.1812% | 4,348 |
Credit loss provision to net charge-offs | 241.3793% | 1,187 |
Earnings coverage of net charge-offs (x) | 6.0803% | 2,627 |
Efficiency ratio | 83.0013% | 1,848 |
Assets per employee ($millions) | 2.9711% | 6,184 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8211% | 6,777 |
Loan loss allowance to noncurrent loans | 55.4713% | 4,680 |
Noncurrent assets plus other real estate owned to assets | 2.2393% | 2,849 |
Noncurrent loans to loans | 1.4803% | 4,078 |
Net loans and leases to total assets | 65.0441% | 3,096 |
Net loans and leases to deposits | 75.1297% | 3,486 |
Net loans and leases to core deposits | 76.9949% | 4,051 |
Total domestic deposits to total assets | 86.5757% | 2,893 |
Equity capital to assets | 12.8132% | 1,710 |
Core capital (leverage) ratio | 12.3950% | 1,483 |
Tier 1 risk-based capital ratio | 22.7628% | 1,180 |
Total risk-based capital ratio | 23.7589% | 1,191 |
Memoranda: | ||
Average total assets | $94,571,000 | 5,087 |
Average earning assets | $86,990,250 | 5,062 |
Average equity | $11,843,500 | 4,606 |
Average total loans | $64,005,750 | 4,752 |
2011-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.6418% | 986 |
Cost of funding earning assets | 1.2463% | 2,276 |
Net interest margin | 4.3955% | 1,381 |
Noninterest income to average assets | 0.4385% | 4,356 |
Noninterest expense to average assets | 3.4850% | 2,021 |
Loan and lease loss provision to assets | 0.2542% | 3,372 |
Net operating income to assets | 0.5763% | 4,177 |
Return on assets (ROA) | 0.5763% | 4,301 |
Pretax return on assets | 0.7415% | 4,243 |
Return on Equity (ROE) | 4.6374% | 4,622 |
Retained earnings to average equity (ytd only) | 4.6374% | 3,230 |
Net charge-offs to loans | 0.0372% | 5,330 |
Credit loss provision to net charge-offs | 1,000.0000% | 331 |
Earnings coverage of net charge-offs (x) | 39.1667% | 752 |
Efficiency ratio | 77.7778% | 2,742 |
Assets per employee ($millions) | 2.9551% | 6,180 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.7826% | 6,903 |
Loan loss allowance to noncurrent loans | 36.0406% | 5,897 |
Noncurrent assets plus other real estate owned to assets | 2.2112% | 2,964 |
Noncurrent loans to loans | 2.1716% | 3,254 |
Net loans and leases to total assets | 66.6279% | 2,902 |
Net loans and leases to deposits | 76.7112% | 3,339 |
Net loans and leases to core deposits | 78.6042% | 3,983 |
Total domestic deposits to total assets | 86.8555% | 2,815 |
Equity capital to assets | 12.7067% | 1,671 |
Core capital (leverage) ratio | 12.3370% | 1,432 |
Tier 1 risk-based capital ratio | 22.1913% | 1,226 |
Total risk-based capital ratio | 23.1335% | 1,250 |
Memoranda: | ||
Average total assets | $94,403,330 | 5,126 |
Average earning assets | $86,817,000 | 5,101 |
Average equity | $11,730,670 | 4,631 |
Average total loans | $64,557,000 | 4,767 |
2011-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.6663% | 947 |
Cost of funding earning assets | 1.2525% | 2,491 |
Net interest margin | 4.4138% | 1,246 |
Noninterest income to average assets | 0.3562% | 5,052 |
Noninterest expense to average assets | 3.5792% | 1,814 |
Loan and lease loss provision to assets | 0.1908% | 3,718 |
Net operating income to assets | 0.5301% | 4,350 |
Return on assets (ROA) | 0.5301% | 4,435 |
Pretax return on assets | 0.6361% | 4,551 |
Return on Equity (ROE) | 4.3148% | 4,741 |
Retained earnings to average equity (ytd only) | 4.3148% | 3,582 |
Net charge-offs to loans | 0.0123% | 4,912 |
Credit loss provision to net charge-offs | 2,250.0000% | 172 |
Earnings coverage of net charge-offs (x) | 97.5000% | 326 |
Efficiency ratio | 81.2320% | 2,339 |
Assets per employee ($millions) | 2.9516% | 6,237 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.6723% | 7,109 |
Loan loss allowance to noncurrent loans | 32.9268% | 6,106 |
Noncurrent assets plus other real estate owned to assets | 2.1979% | 3,068 |
Noncurrent loans to loans | 2.0417% | 3,520 |
Net loans and leases to total assets | 67.5772% | 2,639 |
Net loans and leases to deposits | 77.4170% | 3,169 |
Net loans and leases to core deposits | 79.3052% | 3,846 |
Total domestic deposits to total assets | 87.2898% | 2,771 |
Equity capital to assets | 12.3777% | 1,695 |
Core capital (leverage) ratio | 12.3021% | 1,411 |
Tier 1 risk-based capital ratio | 22.1840% | 1,201 |
Total risk-based capital ratio | 23.0133% | 1,239 |
Memoranda: | ||
Average total assets | $94,323,000 | 5,159 |
Average earning assets | $86,547,500 | 5,144 |
Average equity | $11,588,000 | 4,647 |
Average total loans | $65,084,000 | 4,801 |
2010-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.1311% | 653 |
Cost of funding earning assets | 1.6541% | 1,807 |
Net interest margin | 4.4770% | 1,280 |
Noninterest income to average assets | 0.4932% | 4,220 |
Noninterest expense to average assets | 3.3545% | 2,572 |
Loan and lease loss provision to assets | 0.2429% | 4,862 |
Net operating income to assets | 0.7637% | 2,941 |
Return on assets (ROA) | 0.8091% | 2,892 |
Pretax return on assets | 1.0879% | 2,624 |
Return on Equity (ROE) | 6.5255% | 3,330 |
Retained earnings to average equity (ytd only) | 0.6219% | 5,266 |
Net charge-offs to loans | 0.3198% | 4,422 |
Credit loss provision to net charge-offs | 106.9767% | 4,159 |
Earnings coverage of net charge-offs (x) | 5.5907% | 2,589 |
Efficiency ratio | 72.5445% | 3,696 |
Assets per employee ($millions) | 2.9436% | 6,226 |
Cash dividends to net income (ytd only)* | 90.4700% | 558 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.5902% | 7,276 |
Loan loss allowance to noncurrent loans | 25.9506% | 6,542 |
Noncurrent assets plus other real estate owned to assets | 2.4460% | 2,831 |
Noncurrent loans to loans | 2.2744% | 3,244 |
Net loans and leases to total assets | 69.5575% | 2,645 |
Net loans and leases to deposits | 79.4574% | 3,264 |
Net loans and leases to core deposits | 81.3800% | 3,994 |
Total domestic deposits to total assets | 87.5406% | 2,524 |
Equity capital to assets | 12.1929% | 1,798 |
Core capital (leverage) ratio | 12.1017% | 1,479 |
Tier 1 risk-based capital ratio | 21.5519% | 1,236 |
Total risk-based capital ratio | 22.2853% | 1,292 |
Memoranda: | ||
Average total assets | $94,678,200 | 5,136 |
Average earning assets | $87,358,400 | 5,103 |
Average equity | $11,738,600 | 4,682 |
Average total loans | $67,230,200 | 4,781 |
2010-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.1738% | 650 |
Cost of funding earning assets | 1.7485% | 1,633 |
Net interest margin | 4.4253% | 1,446 |
Noninterest income to average assets | 0.5260% | 3,974 |
Noninterest expense to average assets | 3.3473% | 2,438 |
Loan and lease loss provision to assets | 0.1899% | 5,146 |
Net operating income to assets | 0.7659% | 3,155 |
Return on assets (ROA) | 0.7679% | 3,300 |
Pretax return on assets | 1.0745% | 2,912 |
Return on Equity (ROE) | 6.1683% | 3,739 |
Retained earnings to average equity (ytd only) | 3.9879% | 3,671 |
Net charge-offs to loans | 0.2684% | 4,338 |
Credit loss provision to net charge-offs | 99.2647% | 4,394 |
Earnings coverage of net charge-offs (x) | 6.5955% | 2,491 |
Efficiency ratio | 72.6274% | 3,584 |
Assets per employee ($millions) | 2.9110% | 6,342 |
Cash dividends to net income (ytd only)* | 35.3485% | 2,293 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.5573% | 7,404 |
Loan loss allowance to noncurrent loans | 27.3661% | 6,493 |
Noncurrent assets plus other real estate owned to assets | 2.4079% | 2,970 |
Noncurrent loans to loans | 2.0364% | 3,637 |
Net loans and leases to total assets | 71.4528% | 2,368 |
Net loans and leases to deposits | 82.5856% | 2,986 |
Net loans and leases to core deposits | 84.6150% | 3,861 |
Total domestic deposits to total assets | 86.5197% | 2,796 |
Equity capital to assets | 12.9328% | 1,612 |
Core capital (leverage) ratio | 12.4895% | 1,414 |
Tier 1 risk-based capital ratio | 21.9182% | 1,220 |
Total risk-based capital ratio | 22.6163% | 1,281 |
Memoranda: | ||
Average total assets | $94,799,250 | 5,197 |
Average earning assets | $87,464,250 | 5,159 |
Average equity | $11,802,000 | 4,738 |
Average total loans | $67,560,750 | 4,845 |
2010-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.1656% | 665 |
Cost of funding earning assets | 1.8635% | 1,362 |
Net interest margin | 4.3021% | 1,773 |
Noninterest income to average assets | 0.5181% | 3,969 |
Noninterest expense to average assets | 3.2533% | 2,718 |
Loan and lease loss provision to assets | 0.1888% | 4,989 |
Net operating income to assets | 0.7761% | 3,084 |
Return on assets (ROA) | 0.7761% | 3,234 |
Pretax return on assets | 1.0467% | 2,953 |
Return on Equity (ROE) | 6.3138% | 3,642 |
Retained earnings to average equity (ytd only) | 3.0204% | 4,193 |
Net charge-offs to loans | 0.1977% | 4,421 |
Credit loss provision to net charge-offs | 134.3284% | 2,986 |
Earnings coverage of net charge-offs (x) | 8.7910% | 2,097 |
Efficiency ratio | 72.4766% | 3,743 |
Assets per employee ($millions) | 2.8662% | 6,422 |
Cash dividends to net income (ytd only)* | 52.1622% | 1,588 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.5923% | 7,423 |
Loan loss allowance to noncurrent loans | 45.3196% | 5,297 |
Noncurrent assets plus other real estate owned to assets | 1.7328% | 3,849 |
Noncurrent loans to loans | 1.3069% | 4,768 |
Net loans and leases to total assets | 70.4446% | 2,807 |
Net loans and leases to deposits | 81.3077% | 3,382 |
Net loans and leases to core deposits | 82.9794% | 4,282 |
Total domestic deposits to total assets | 86.6395% | 2,735 |
Equity capital to assets | 12.4544% | 1,826 |
Core capital (leverage) ratio | 11.9475% | 1,673 |
Tier 1 risk-based capital ratio | 21.2940% | 1,300 |
Total risk-based capital ratio | 22.0268% | 1,353 |
Memoranda: | ||
Average total assets | $95,348,670 | 5,209 |
Average earning assets | $88,004,330 | 5,174 |
Average equity | $11,720,330 | 4,757 |
Average total loans | $67,770,330 | 4,874 |
2010-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.1416% | 718 |
Cost of funding earning assets | 1.8890% | 1,496 |
Net interest margin | 4.2526% | 1,845 |
Noninterest income to average assets | 0.5098% | 3,976 |
Noninterest expense to average assets | 3.2341% | 2,744 |
Loan and lease loss provision to assets | 0.1880% | 4,622 |
Net operating income to assets | 0.6644% | 3,591 |
Return on assets (ROA) | 0.6644% | 3,706 |
Pretax return on assets | 1.0195% | 3,014 |
Return on Equity (ROE) | 5.4403% | 4,134 |
Retained earnings to average equity (ytd only) | 5.4403% | 2,904 |
Net charge-offs to loans | 0.0939% | 4,477 |
Credit loss provision to net charge-offs | 281.2500% | 1,408 |
Earnings coverage of net charge-offs (x) | 18.0625% | 1,245 |
Efficiency ratio | 72.8128% | 3,794 |
Assets per employee ($millions) | 2.8246% | 6,580 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.5960% | 7,503 |
Loan loss allowance to noncurrent loans | 77.3512% | 3,521 |
Noncurrent assets plus other real estate owned to assets | 1.0694% | 5,006 |
Noncurrent loans to loans | 0.7706% | 5,786 |
Net loans and leases to total assets | 69.9859% | 2,946 |
Net loans and leases to deposits | 80.1907% | 3,624 |
Net loans and leases to core deposits | 81.3525% | 4,574 |
Total domestic deposits to total assets | 87.2744% | 2,480 |
Equity capital to assets | 12.2580% | 1,899 |
Core capital (leverage) ratio | 12.0716% | 1,617 |
Tier 1 risk-based capital ratio | 20.7745% | 1,376 |
Total risk-based capital ratio | 21.5014% | 1,445 |
Memoranda: | ||
Average total assets | $95,730,500 | 5,268 |
Average earning assets | $88,511,500 | 5,213 |
Average equity | $11,690,500 | 4,794 |
Average total loans | $68,142,000 | 4,928 |
2009-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.5304% | 628 |
Cost of funding earning assets | 2.2250% | 1,921 |
Net interest margin | 4.3054% | 1,701 |
Noninterest income to average assets | 0.5175% | 4,280 |
Noninterest expense to average assets | 3.5043% | 2,362 |
Loan and lease loss provision to assets | 0.4080% | 4,366 |
Net operating income to assets | 0.4872% | 3,782 |
Return on assets (ROA) | 0.5089% | 3,788 |
Pretax return on assets | 0.6248% | 3,828 |
Return on Equity (ROE) | 4.0828% | 4,049 |
Retained earnings to average equity (ytd only) | 1.9294% | 3,746 |
Net charge-offs to loans | 0.3734% | 4,343 |
Credit loss provision to net charge-offs | 150.1976% | 3,090 |
Earnings coverage of net charge-offs (x) | 3.7036% | 3,237 |
Efficiency ratio | 77.6958% | 3,243 |
Assets per employee ($millions) | 2.8066% | 6,646 |
Cash dividends to net income (ytd only)* | 52.7426% | 2,341 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.5446% | 7,625 |
Loan loss allowance to noncurrent loans | 53.9683% | 4,749 |
Noncurrent assets plus other real estate owned to assets | 1.4053% | 4,309 |
Noncurrent loans to loans | 1.0092% | 5,295 |
Net loans and leases to total assets | 71.5696% | 2,870 |
Net loans and leases to deposits | 81.9339% | 3,625 |
Net loans and leases to core deposits | 94.2105% | 4,653 |
Total domestic deposits to total assets | 87.3504% | 2,298 |
Equity capital to assets | 12.1654% | 1,925 |
Core capital (leverage) ratio | 12.0106% | 1,663 |
Tier 1 risk-based capital ratio | 20.5947% | 1,362 |
Total risk-based capital ratio | 21.2728% | 1,422 |
Memoranda: | ||
Average total assets | $93,142,400 | 5,296 |
Average earning assets | $86,380,800 | 5,248 |
Average equity | $11,609,600 | 4,835 |
Average total loans | $67,756,200 | 4,949 |
2009-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.5632% | 655 |
Cost of funding earning assets | 2.2896% | 2,019 |
Net interest margin | 4.2736% | 1,794 |
Noninterest income to average assets | 0.5171% | 4,344 |
Noninterest expense to average assets | 3.4466% | 2,432 |
Loan and lease loss provision to assets | 0.1944% | 5,438 |
Net operating income to assets | 0.6204% | 3,532 |
Return on assets (ROA) | 0.6438% | 3,497 |
Pretax return on assets | 0.8757% | 3,298 |
Return on Equity (ROE) | 5.1335% | 3,906 |
Retained earnings to average equity (ytd only) | 5.1335% | 2,408 |
Net charge-offs to loans | 0.2843% | 4,253 |
Credit loss provision to net charge-offs | 93.7500% | 5,386 |
Earnings coverage of net charge-offs (x) | 5.0068% | 2,950 |
Efficiency ratio | 76.8465% | 3,350 |
Assets per employee ($millions) | 2.7338% | 6,774 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.3423% | 7,877 |
Loan loss allowance to noncurrent loans | 29.4554% | 6,497 |
Noncurrent assets plus other real estate owned to assets | 1.1878% | 4,695 |
Noncurrent loans to loans | 1.1622% | 4,999 |
Net loans and leases to total assets | 74.5428% | 2,362 |
Net loans and leases to deposits | 86.1841% | 3,278 |
Net loans and leases to core deposits | 97.9986% | 4,601 |
Total domestic deposits to total assets | 86.4924% | 2,430 |
Equity capital to assets | 12.8222% | 1,774 |
Core capital (leverage) ratio | 12.4206% | 1,611 |
Tier 1 risk-based capital ratio | 21.3151% | 1,324 |
Total risk-based capital ratio | 21.7531% | 1,412 |
Memoranda: | ||
Average total assets | $92,571,500 | 5,349 |
Average earning assets | $85,952,000 | 5,303 |
Average equity | $11,609,750 | 4,895 |
Average total loans | $67,527,750 | 5,002 |
2009-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.5300% | 769 |
Cost of funding earning assets | 2.3771% | 2,054 |
Net interest margin | 4.1529% | 2,151 |
Noninterest income to average assets | 0.4976% | 4,465 |
Noninterest expense to average assets | 3.3468% | 2,809 |
Loan and lease loss provision to assets | 0.1947% | 5,109 |
Net operating income to assets | 0.6729% | 3,371 |
Return on assets (ROA) | 0.6836% | 3,441 |
Pretax return on assets | 0.8243% | 3,590 |
Return on Equity (ROE) | 5.4923% | 3,867 |
Retained earnings to average equity (ytd only) | 5.4923% | 2,250 |
Net charge-offs to loans | 0.2662% | 3,862 |
Credit loss provision to net charge-offs | 101.1236% | 4,516 |
Earnings coverage of net charge-offs (x) | 5.2247% | 2,884 |
Efficiency ratio | 76.8887% | 3,526 |
Assets per employee ($millions) | 2.7395% | 6,756 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.3683% | 7,933 |
Loan loss allowance to noncurrent loans | 30.8458% | 6,416 |
Noncurrent assets plus other real estate owned to assets | 1.2261% | 4,489 |
Noncurrent loans to loans | 1.1941% | 4,830 |
Net loans and leases to total assets | 72.0226% | 3,222 |
Net loans and leases to deposits | 82.7962% | 4,085 |
Net loans and leases to core deposits | 94.3848% | 5,071 |
Total domestic deposits to total assets | 86.9878% | 2,265 |
Equity capital to assets | 12.4883% | 1,927 |
Core capital (leverage) ratio | 12.2304% | 1,732 |
Tier 1 risk-based capital ratio | 21.3715% | 1,337 |
Total risk-based capital ratio | 21.8344% | 1,430 |
Memoranda: | ||
Average total assets | $92,446,000 | 5,387 |
Average earning assets | $85,819,000 | 5,347 |
Average equity | $11,507,000 | 4,951 |
Average total loans | $66,862,330 | 5,076 |
2009-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.5522% | 779 |
Cost of funding earning assets | 2.4816% | 1,983 |
Net interest margin | 4.0706% | 2,404 |
Noninterest income to average assets | 0.4908% | 4,403 |
Noninterest expense to average assets | 3.3356% | 2,549 |
Loan and lease loss provision to assets | 0.1954% | 4,485 |
Net operating income to assets | 0.5655% | 4,160 |
Return on assets (ROA) | 0.5820% | 4,289 |
Pretax return on assets | 0.7644% | 4,209 |
Return on Equity (ROE) | 4.6835% | 4,619 |
Retained earnings to average equity (ytd only) | 4.6835% | 3,316 |
Net charge-offs to loans | 0.3002% | 2,912 |
Credit loss provision to net charge-offs | 90.0000% | 4,003 |
Earnings coverage of net charge-offs (x) | 4.3200% | 2,910 |
Efficiency ratio | 78.0488% | 3,156 |
Assets per employee ($millions) | 2.7236% | 6,833 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.3612% | 7,990 |
Loan loss allowance to noncurrent loans | 28.1069% | 6,678 |
Noncurrent assets plus other real estate owned to assets | 0.9967% | 4,703 |
Noncurrent loans to loans | 1.2852% | 4,407 |
Net loans and leases to total assets | 72.0800% | 3,228 |
Net loans and leases to deposits | 82.9190% | 4,144 |
Net loans and leases to core deposits | 94.8207% | 5,079 |
Total domestic deposits to total assets | 86.9282% | 2,255 |
Equity capital to assets | 12.4476% | 2,004 |
Core capital (leverage) ratio | 12.1951% | 1,819 |
Tier 1 risk-based capital ratio | 21.2322% | 1,414 |
Total risk-based capital ratio | 21.6882% | 1,504 |
Memoranda: | ||
Average total assets | $92,097,500 | 5,419 |
Average earning assets | $85,590,000 | 5,376 |
Average equity | $11,444,500 | 4,998 |
Average total loans | $66,627,500 | 5,114 |
2008-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.9948% | 1,145 |
Cost of funding earning assets | 2.8106% | 2,656 |
Net interest margin | 4.1842% | 2,371 |
Noninterest income to average assets | 0.5530% | 4,204 |
Noninterest expense to average assets | 3.2128% | 3,290 |
Loan and lease loss provision to assets | 0.0959% | 6,162 |
Net operating income to assets | 0.8240% | 3,339 |
Return on assets (ROA) | 0.8344% | 3,130 |
Pretax return on assets | 1.1178% | 2,965 |
Return on Equity (ROE) | 7.0283% | 3,516 |
Retained earnings to average equity (ytd only) | 3.4020% | 3,028 |
Net charge-offs to loans | 0.3423% | 3,119 |
Credit loss provision to net charge-offs | 40.7240% | 6,445 |
Earnings coverage of net charge-offs (x) | 5.0950% | 3,752 |
Efficiency ratio | 72.8085% | 3,794 |
Assets per employee ($millions) | 2.7755% | 6,621 |
Cash dividends to net income (ytd only)* | 51.5964% | 3,047 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.3728% | 8,017 |
Loan loss allowance to noncurrent loans | 33.3784% | 6,498 |
Noncurrent assets plus other real estate owned to assets | 0.8101% | 4,820 |
Noncurrent loans to loans | 1.1167% | 4,315 |
Net loans and leases to total assets | 72.0780% | 3,567 |
Net loans and leases to deposits | 82.7737% | 4,610 |
Net loans and leases to core deposits | 98.9938% | 4,930 |
Total domestic deposits to total assets | 87.0784% | 1,901 |
Equity capital to assets | 12.4051% | 2,063 |
Core capital (leverage) ratio | 12.0317% | 1,949 |
Tier 1 risk-based capital ratio | 21.1306% | 1,441 |
Total risk-based capital ratio | 21.5994% | 1,530 |
Memoranda: | ||
Average total assets | $93,844,000 | 5,229 |
Average earning assets | $86,564,200 | 5,201 |
Average equity | $11,140,600 | 5,085 |
Average total loans | $64,558,800 | 5,075 |