Home > The Somerville Bank & Trust Company > Performance and Condition Ratios
The Somerville Bank & Trust Company, 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 | 2.8982% | 6,426 |
| Cost of funding earning assets | 0.3911% | 4,744 |
| Net interest margin | 2.5070% | 6,369 |
| Noninterest income to average assets | 0.2076% | 5,839 |
| Noninterest expense to average assets | 1.7232% | 6,417 |
| Loan and lease loss provision to assets | -0.0574% | 6,404 |
| Net operating income to assets | 0.5746% | 4,382 |
| Return on assets (ROA) | 0.5746% | 4,498 |
| Pretax return on assets | 0.8847% | 3,826 |
| Return on Equity (ROE) | 5.3033% | 4,497 |
| Retained earnings to average equity (ytd only) | 3.0599% | 4,050 |
| Net charge-offs to loans | 0.0966% | 3,873 |
| Credit loss provision to net charge-offs | -134.0909% | 5,927 |
| Earnings coverage of net charge-offs (x) | 19.3409% | 1,611 |
| Efficiency ratio | 67.5624% | 4,278 |
| Assets per employee ($millions) | 4.9945% | 2,187 |
| Cash dividends to net income (ytd only)* | 42.3012% | 2,695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1351% | 4,968 |
| Loan loss allowance to noncurrent loans | 244.2308% | 1,762 |
| Noncurrent assets plus other real estate owned to assets | 0.8446% | 3,780 |
| Noncurrent loans to loans | 0.4648% | 4,838 |
| Net loans and leases to total assets | 40.2673% | 5,940 |
| Net loans and leases to deposits | 45.0196% | 6,069 |
| Net loans and leases to core deposits | 45.8869% | 6,140 |
| Total domestic deposits to total assets | 89.4439% | 1,365 |
| Equity capital to assets | 10.3391% | 3,353 |
| Core capital (leverage) ratio | 9.0154% | 4,976 |
| Tier 1 risk-based capital ratio | 21.3159% | 1,365 |
| Total risk-based capital ratio | 22.4948% | 1,359 |
| Memoranda: | ||
| Average total assets | $205,718,800 | 2,962 |
| Average earning assets | $192,260,000 | 2,925 |
| Average equity | $22,288,000 | 2,895 |
| Average total loans | $91,068,800 | 3,663 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9614% | 6,458 |
| Cost of funding earning assets | 0.4186% | 4,636 |
| Net interest margin | 2.5427% | 6,392 |
| Noninterest income to average assets | 0.2182% | 5,871 |
| Noninterest expense to average assets | 1.7500% | 6,408 |
| Loan and lease loss provision to assets | -0.0824% | 6,599 |
| Net operating income to assets | 0.5987% | 4,353 |
| Return on assets (ROA) | 0.5987% | 4,478 |
| Pretax return on assets | 0.9218% | 3,788 |
| Return on Equity (ROE) | 5.4583% | 4,486 |
| Retained earnings to average equity (ytd only) | 2.4526% | 4,862 |
| Net charge-offs to loans | 0.1064% | 3,475 |
| Credit loss provision to net charge-offs | -171.2329% | 5,873 |
| Earnings coverage of net charge-offs (x) | 17.4385% | 1,733 |
| Efficiency ratio | 67.5834% | 4,173 |
| Assets per employee ($millions) | 4.6506% | 2,643 |
| Cash dividends to net income (ytd only)* | 55.0659% | 1,648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1319% | 5,199 |
| Loan loss allowance to noncurrent loans | 134.2071% | 2,766 |
| Noncurrent assets plus other real estate owned to assets | 1.1225% | 3,409 |
| Noncurrent loans to loans | 0.8434% | 4,137 |
| Net loans and leases to total assets | 43.7119% | 5,746 |
| Net loans and leases to deposits | 49.2422% | 5,886 |
| Net loans and leases to core deposits | 50.2667% | 5,997 |
| Total domestic deposits to total assets | 88.7693% | 1,683 |
| Equity capital to assets | 10.9698% | 2,783 |
| Core capital (leverage) ratio | 9.1601% | 4,887 |
| Tier 1 risk-based capital ratio | 21.6415% | 1,373 |
| Total risk-based capital ratio | 22.8662% | 1,358 |
| Memoranda: | ||
| Average total assets | $202,208,750 | 3,033 |
| Average earning assets | $188,557,750 | 3,000 |
| Average equity | $22,179,750 | 2,941 |
| Average total loans | $91,459,250 | 3,680 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9797% | 6,468 |
| Cost of funding earning assets | 0.4407% | 4,534 |
| Net interest margin | 2.5389% | 6,403 |
| Noninterest income to average assets | 0.2274% | 5,818 |
| Noninterest expense to average assets | 1.7606% | 6,435 |
| Loan and lease loss provision to assets | -0.0963% | 6,709 |
| Net operating income to assets | 0.6028% | 4,266 |
| Return on assets (ROA) | 0.6028% | 4,447 |
| Pretax return on assets | 0.9315% | 3,775 |
| Return on Equity (ROE) | 5.4955% | 4,461 |
| Retained earnings to average equity (ytd only) | 0.9687% | 5,515 |
| Net charge-offs to loans | 0.0719% | 3,684 |
| Credit loss provision to net charge-offs | -293.9394% | 5,808 |
| Earnings coverage of net charge-offs (x) | 25.4848% | 1,263 |
| Efficiency ratio | 67.8271% | 4,213 |
| Assets per employee ($millions) | 4.5607% | 2,718 |
| Cash dividends to net income (ytd only)* | 82.3723% | 854 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2114% | 4,923 |
| Loan loss allowance to noncurrent loans | 182.0000% | 2,151 |
| Noncurrent assets plus other real estate owned to assets | 1.0530% | 3,640 |
| Noncurrent loans to loans | 0.6656% | 4,610 |
| Net loans and leases to total assets | 44.3776% | 5,708 |
| Net loans and leases to deposits | 50.0211% | 5,840 |
| Net loans and leases to core deposits | 51.2297% | 5,940 |
| Total domestic deposits to total assets | 88.7177% | 1,770 |
| Equity capital to assets | 11.0361% | 2,716 |
| Core capital (leverage) ratio | 9.1656% | 4,740 |
| Tier 1 risk-based capital ratio | 21.5066% | 1,388 |
| Total risk-based capital ratio | 22.7575% | 1,357 |
| Memoranda: | ||
| Average total assets | $201,403,000 | 3,056 |
| Average earning assets | $187,874,000 | 3,020 |
| Average equity | $22,090,670 | 2,972 |
| Average total loans | $91,789,000 | 3,678 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9724% | 6,540 |
| Cost of funding earning assets | 0.4699% | 4,371 |
| Net interest margin | 2.5025% | 6,506 |
| Noninterest income to average assets | 0.2577% | 5,614 |
| Noninterest expense to average assets | 1.7941% | 6,446 |
| Loan and lease loss provision to assets | -0.1388% | 6,864 |
| Net operating income to assets | 0.5908% | 4,264 |
| Return on assets (ROA) | 0.5908% | 4,414 |
| Pretax return on assets | 0.9357% | 3,636 |
| Return on Equity (ROE) | 5.4027% | 4,352 |
| Retained earnings to average equity (ytd only) | 0.8702% | 5,498 |
| Net charge-offs to loans | 0.1598% | 2,448 |
| Credit loss provision to net charge-offs | -189.1892% | 5,248 |
| Earnings coverage of net charge-offs (x) | 10.8649% | 1,705 |
| Efficiency ratio | 69.2425% | 4,103 |
| Assets per employee ($millions) | 4.5589% | 2,863 |
| Cash dividends to net income (ytd only)* | 83.8926% | 832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2114% | 5,126 |
| Loan loss allowance to noncurrent loans | 185.2159% | 2,012 |
| Noncurrent assets plus other real estate owned to assets | 0.9103% | 4,120 |
| Noncurrent loans to loans | 0.6540% | 4,814 |
| Net loans and leases to total assets | 45.3303% | 5,508 |
| Net loans and leases to deposits | 51.0806% | 5,702 |
| Net loans and leases to core deposits | 52.2226% | 5,804 |
| Total domestic deposits to total assets | 88.7428% | 1,841 |
| Equity capital to assets | 11.0109% | 2,948 |
| Core capital (leverage) ratio | 8.9507% | 4,968 |
| Tier 1 risk-based capital ratio | 21.5039% | 1,425 |
| Total risk-based capital ratio | 22.7552% | 1,398 |
| Memoranda: | ||
| Average total assets | $201,770,000 | 3,080 |
| Average earning assets | $188,129,000 | 3,041 |
| Average equity | $22,063,000 | 3,019 |
| Average total loans | $92,611,500 | 3,684 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2819% | 6,601 |
| Cost of funding earning assets | 0.5999% | 4,358 |
| Net interest margin | 2.6821% | 6,542 |
| Noninterest income to average assets | 0.2369% | 5,752 |
| Noninterest expense to average assets | 1.8891% | 6,506 |
| Loan and lease loss provision to assets | -0.0803% | 6,909 |
| Net operating income to assets | 0.6056% | 4,213 |
| Return on assets (ROA) | 0.6056% | 4,477 |
| Pretax return on assets | 0.9304% | 3,808 |
| Return on Equity (ROE) | 5.4681% | 4,440 |
| Retained earnings to average equity (ytd only) | 1.4776% | 5,127 |
| Net charge-offs to loans | -0.0032% | 6,355 |
| Credit loss provision to net charge-offs | 5,300.0000% | 47 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9655% | 3,979 |
| Assets per employee ($millions) | 4.5100% | 2,939 |
| Cash dividends to net income (ytd only)* | 72.9775% | 1,246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3115% | 4,578 |
| Loan loss allowance to noncurrent loans | 248.8798% | 1,536 |
| Noncurrent assets plus other real estate owned to assets | 0.9628% | 4,099 |
| Noncurrent loans to loans | 0.5269% | 5,211 |
| Net loans and leases to total assets | 45.3106% | 5,687 |
| Net loans and leases to deposits | 51.5004% | 5,847 |
| Net loans and leases to core deposits | 52.7246% | 5,962 |
| Total domestic deposits to total assets | 87.9812% | 2,249 |
| Equity capital to assets | 10.8594% | 3,111 |
| Core capital (leverage) ratio | 9.1436% | 4,670 |
| Tier 1 risk-based capital ratio | 21.4125% | 1,378 |
| Total risk-based capital ratio | 22.6654% | 1,352 |
| Memoranda: | ||
| Average total assets | $197,982,000 | 3,072 |
| Average earning assets | $184,708,400 | 3,033 |
| Average equity | $21,927,200 | 2,982 |
| Average total loans | $92,420,000 | 3,687 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3098% | 6,719 |
| Cost of funding earning assets | 0.6205% | 4,446 |
| Net interest margin | 2.6893% | 6,659 |
| Noninterest income to average assets | 0.2901% | 5,461 |
| Noninterest expense to average assets | 1.8969% | 6,529 |
| Loan and lease loss provision to assets | -0.0529% | 7,001 |
| Net operating income to assets | 0.6269% | 4,259 |
| Return on assets (ROA) | 0.6269% | 4,514 |
| Pretax return on assets | 0.9603% | 3,871 |
| Return on Equity (ROE) | 5.6317% | 4,515 |
| Retained earnings to average equity (ytd only) | 1.8265% | 5,420 |
| Net charge-offs to loans | 0.0116% | 5,546 |
| Credit loss provision to net charge-offs | -975.0000% | 6,530 |
| Earnings coverage of net charge-offs (x) | 167.3187% | 264 |
| Efficiency ratio | 67.6414% | 4,143 |
| Assets per employee ($millions) | 4.4221% | 3,042 |
| Cash dividends to net income (ytd only)* | 67.5675% | 1,004 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3956% | 4,395 |
| Loan loss allowance to noncurrent loans | 292.9705% | 1,274 |
| Noncurrent assets plus other real estate owned to assets | 1.3471% | 3,603 |
| Noncurrent loans to loans | 0.4764% | 5,498 |
| Net loans and leases to total assets | 46.9153% | 5,669 |
| Net loans and leases to deposits | 53.0514% | 5,886 |
| Net loans and leases to core deposits | 54.3551% | 6,024 |
| Total domestic deposits to total assets | 88.4336% | 1,769 |
| Equity capital to assets | 11.3146% | 2,921 |
| Core capital (leverage) ratio | 9.2698% | 4,645 |
| Tier 1 risk-based capital ratio | 21.5388% | 1,417 |
| Total risk-based capital ratio | 22.7923% | 1,388 |
| Memoranda: | ||
| Average total assets | $196,740,500 | 3,117 |
| Average earning assets | $183,934,000 | 3,068 |
| Average equity | $21,899,250 | 3,010 |
| Average total loans | $92,230,250 | 3,734 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3264% | 6,797 |
| Cost of funding earning assets | 0.6364% | 4,556 |
| Net interest margin | 2.6900% | 6,720 |
| Noninterest income to average assets | 0.3201% | 5,261 |
| Noninterest expense to average assets | 1.8930% | 6,609 |
| Loan and lease loss provision to assets | -0.0365% | 7,059 |
| Net operating income to assets | 0.6158% | 4,307 |
| Return on assets (ROA) | 0.6158% | 4,552 |
| Pretax return on assets | 0.9764% | 3,800 |
| Return on Equity (ROE) | 5.5625% | 4,552 |
| Retained earnings to average equity (ytd only) | 2.1317% | 5,127 |
| Net charge-offs to loans | 0.0499% | 4,705 |
| Credit loss provision to net charge-offs | -156.5217% | 6,108 |
| Earnings coverage of net charge-offs (x) | 40.3478% | 869 |
| Efficiency ratio | 66.8216% | 4,352 |
| Assets per employee ($millions) | 4.2478% | 3,367 |
| Cash dividends to net income (ytd only)* | 61.6776% | 1,308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4640% | 4,186 |
| Loan loss allowance to noncurrent loans | 177.7628% | 1,905 |
| Noncurrent assets plus other real estate owned to assets | 1.4801% | 3,482 |
| Noncurrent loans to loans | 0.8236% | 4,870 |
| Net loans and leases to total assets | 45.4347% | 5,874 |
| Net loans and leases to deposits | 51.3117% | 6,071 |
| Net loans and leases to core deposits | 52.4866% | 6,199 |
| Total domestic deposits to total assets | 88.5464% | 1,791 |
| Equity capital to assets | 11.2325% | 2,860 |
| Core capital (leverage) ratio | 9.2163% | 4,585 |
| Tier 1 risk-based capital ratio | 21.5853% | 1,376 |
| Total risk-based capital ratio | 22.8402% | 1,348 |
| Memoranda: | ||
| Average total assets | $197,463,330 | 3,116 |
| Average earning assets | $184,464,000 | 3,067 |
| Average equity | $21,860,670 | 2,998 |
| Average total loans | $92,115,000 | 3,752 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3269% | 6,878 |
| Cost of funding earning assets | 0.6521% | 4,713 |
| Net interest margin | 2.6748% | 6,804 |
| Noninterest income to average assets | 0.4030% | 4,647 |
| Noninterest expense to average assets | 1.9184% | 6,612 |
| Loan and lease loss provision to assets | -0.0746% | 7,167 |
| Net operating income to assets | 0.6630% | 4,066 |
| Return on assets (ROA) | 0.6630% | 4,279 |
| Pretax return on assets | 1.0721% | 3,422 |
| Return on Equity (ROE) | 6.0320% | 4,274 |
| Retained earnings to average equity (ytd only) | 3.7402% | 4,341 |
| Net charge-offs to loans | 0.0816% | 3,682 |
| Credit loss provision to net charge-offs | -194.7368% | 5,588 |
| Earnings coverage of net charge-offs (x) | 26.0526% | 1,012 |
| Efficiency ratio | 65.7913% | 4,597 |
| Assets per employee ($millions) | 4.5254% | 2,947 |
| Cash dividends to net income (ytd only)* | 37.9939% | 1,820 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4390% | 4,425 |
| Loan loss allowance to noncurrent loans | 128.3495% | 2,482 |
| Noncurrent assets plus other real estate owned to assets | 1.5127% | 3,586 |
| Noncurrent loans to loans | 1.1212% | 4,457 |
| Net loans and leases to total assets | 45.4733% | 5,845 |
| Net loans and leases to deposits | 51.5917% | 6,018 |
| Net loans and leases to core deposits | 52.7559% | 6,148 |
| Total domestic deposits to total assets | 88.1406% | 2,220 |
| Equity capital to assets | 11.0081% | 2,897 |
| Core capital (leverage) ratio | 9.0275% | 4,795 |
| Tier 1 risk-based capital ratio | 21.0443% | 1,485 |
| Total risk-based capital ratio | 22.2985% | 1,453 |
| Memoranda: | ||
| Average total assets | $198,496,500 | 3,125 |
| Average earning assets | $186,482,000 | 3,058 |
| Average equity | $21,817,000 | 2,995 |
| Average total loans | $93,124,000 | 3,751 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7833% | 6,747 |
| Cost of funding earning assets | 0.8095% | 4,798 |
| Net interest margin | 2.9739% | 6,569 |
| Noninterest income to average assets | 0.2159% | 5,978 |
| Noninterest expense to average assets | 2.0333% | 6,619 |
| Loan and lease loss provision to assets | 0.0577% | 5,877 |
| Net operating income to assets | 0.5472% | 4,245 |
| Return on assets (ROA) | 0.5472% | 4,433 |
| Pretax return on assets | 0.8614% | 3,735 |
| Return on Equity (ROE) | 4.9410% | 4,420 |
| Retained earnings to average equity (ytd only) | 3.1797% | 3,954 |
| Net charge-offs to loans | 0.0950% | 5,397 |
| Credit loss provision to net charge-offs | 121.9780% | 2,597 |
| Earnings coverage of net charge-offs (x) | 19.4176% | 1,169 |
| Efficiency ratio | 68.6927% | 4,210 |
| Assets per employee ($millions) | 4.3017% | 3,244 |
| Cash dividends to net income (ytd only)* | 35.6464% | 2,829 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4600% | 4,193 |
| Loan loss allowance to noncurrent loans | 87.6033% | 3,413 |
| Noncurrent assets plus other real estate owned to assets | 1.8835% | 3,135 |
| Noncurrent loans to loans | 1.6666% | 3,662 |
| Net loans and leases to total assets | 47.0006% | 5,920 |
| Net loans and leases to deposits | 53.1786% | 6,126 |
| Net loans and leases to core deposits | 54.3788% | 6,272 |
| Total domestic deposits to total assets | 88.3826% | 1,918 |
| Equity capital to assets | 10.9740% | 3,003 |
| Core capital (leverage) ratio | 9.1611% | 4,526 |
| Tier 1 risk-based capital ratio | 20.4928% | 1,529 |
| Total risk-based capital ratio | 21.7474% | 1,495 |
| Memoranda: | ||
| Average total assets | $192,252,200 | 3,154 |
| Average earning assets | $176,907,600 | 3,129 |
| Average equity | $21,291,400 | 2,978 |
| Average total loans | $95,784,800 | 3,730 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8731% | 6,763 |
| Cost of funding earning assets | 0.8481% | 4,786 |
| Net interest margin | 3.0250% | 6,532 |
| Noninterest income to average assets | 0.2201% | 6,041 |
| Noninterest expense to average assets | 2.1322% | 6,451 |
| Loan and lease loss provision to assets | 0.0901% | 5,329 |
| Net operating income to assets | 0.5079% | 4,518 |
| Return on assets (ROA) | 0.5079% | 4,698 |
| Pretax return on assets | 0.7664% | 4,254 |
| Return on Equity (ROE) | 4.5753% | 4,735 |
| Retained earnings to average equity (ytd only) | 2.2153% | 5,016 |
| Net charge-offs to loans | 0.1123% | 4,887 |
| Credit loss provision to net charge-offs | 159.2593% | 1,940 |
| Earnings coverage of net charge-offs (x) | 15.1355% | 1,490 |
| Efficiency ratio | 71.1080% | 3,720 |
| Assets per employee ($millions) | 4.1810% | 3,485 |
| Cash dividends to net income (ytd only)* | 51.5821% | 1,519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4816% | 4,197 |
| Loan loss allowance to noncurrent loans | 117.4603% | 2,546 |
| Noncurrent assets plus other real estate owned to assets | 2.0468% | 3,082 |
| Noncurrent loans to loans | 1.2613% | 4,430 |
| Net loans and leases to total assets | 49.6917% | 5,746 |
| Net loans and leases to deposits | 56.2570% | 6,007 |
| Net loans and leases to core deposits | 57.8879% | 6,135 |
| Total domestic deposits to total assets | 88.3298% | 1,857 |
| Equity capital to assets | 11.3688% | 2,802 |
| Core capital (leverage) ratio | 9.1717% | 4,672 |
| Tier 1 risk-based capital ratio | 20.3777% | 1,593 |
| Total risk-based capital ratio | 21.6334% | 1,564 |
| Memoranda: | ||
| Average total assets | $190,846,250 | 3,191 |
| Average earning assets | $174,671,250 | 3,175 |
| Average equity | $21,185,500 | 2,984 |
| Average total loans | $96,135,750 | 3,752 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9077% | 6,797 |
| Cost of funding earning assets | 0.8806% | 4,824 |
| Net interest margin | 3.0271% | 6,558 |
| Noninterest income to average assets | 0.2514% | 5,850 |
| Noninterest expense to average assets | 2.1873% | 6,414 |
| Loan and lease loss provision to assets | 0.1012% | 5,047 |
| Net operating income to assets | 0.4767% | 4,608 |
| Return on assets (ROA) | 0.4767% | 4,750 |
| Pretax return on assets | 0.7239% | 4,302 |
| Return on Equity (ROE) | 4.3282% | 4,776 |
| Retained earnings to average equity (ytd only) | 1.9605% | 4,999 |
| Net charge-offs to loans | 0.0766% | 4,873 |
| Credit loss provision to net charge-offs | 262.1622% | 1,161 |
| Earnings coverage of net charge-offs (x) | 21.3784% | 1,155 |
| Efficiency ratio | 72.2645% | 3,681 |
| Assets per employee ($millions) | 4.2046% | 3,342 |
| Cash dividends to net income (ytd only)* | 54.7046% | 1,538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4979% | 4,146 |
| Loan loss allowance to noncurrent loans | 110.8679% | 2,604 |
| Noncurrent assets plus other real estate owned to assets | 2.0274% | 3,198 |
| Noncurrent loans to loans | 1.3510% | 4,397 |
| Net loans and leases to total assets | 49.2857% | 5,915 |
| Net loans and leases to deposits | 55.6909% | 6,163 |
| Net loans and leases to core deposits | 57.1471% | 6,336 |
| Total domestic deposits to total assets | 88.4987% | 1,851 |
| Equity capital to assets | 11.2286% | 2,741 |
| Core capital (leverage) ratio | 9.0116% | 4,702 |
| Tier 1 risk-based capital ratio | 20.3185% | 1,550 |
| Total risk-based capital ratio | 21.5741% | 1,521 |
| Memoranda: | ||
| Average total assets | $191,746,330 | 3,200 |
| Average earning assets | $174,884,670 | 3,194 |
| Average equity | $21,117,330 | 2,981 |
| Average total loans | $96,548,000 | 3,784 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9347% | 6,782 |
| Cost of funding earning assets | 0.9119% | 4,836 |
| Net interest margin | 3.0228% | 6,525 |
| Noninterest income to average assets | 0.2487% | 5,909 |
| Noninterest expense to average assets | 2.2195% | 6,379 |
| Loan and lease loss provision to assets | 0.3026% | 2,743 |
| Net operating income to assets | 0.3233% | 5,294 |
| Return on assets (ROA) | 0.3233% | 5,372 |
| Pretax return on assets | 0.4746% | 5,103 |
| Return on Equity (ROE) | 2.9639% | 5,389 |
| Retained earnings to average equity (ytd only) | 0.5890% | 5,595 |
| Net charge-offs to loans | 0.0862% | 4,095 |
| Credit loss provision to net charge-offs | 695.2381% | 547 |
| Earnings coverage of net charge-offs (x) | 17.8571% | 1,209 |
| Efficiency ratio | 73.3748% | 3,627 |
| Assets per employee ($millions) | 4.2544% | 3,329 |
| Cash dividends to net income (ytd only)* | 80.1282% | 838 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5414% | 4,003 |
| Loan loss allowance to noncurrent loans | 155.0209% | 1,896 |
| Noncurrent assets plus other real estate owned to assets | 2.1186% | 3,165 |
| Noncurrent loans to loans | 0.9943% | 5,057 |
| Net loans and leases to total assets | 49.4476% | 5,911 |
| Net loans and leases to deposits | 55.7297% | 6,156 |
| Net loans and leases to core deposits | 57.2861% | 6,320 |
| Total domestic deposits to total assets | 88.7275% | 1,936 |
| Equity capital to assets | 11.0050% | 2,684 |
| Core capital (leverage) ratio | 8.8848% | 4,798 |
| Tier 1 risk-based capital ratio | 19.7542% | 1,636 |
| Total risk-based capital ratio | 21.0103% | 1,609 |
| Memoranda: | ||
| Average total assets | $193,017,000 | 3,203 |
| Average earning assets | $175,466,000 | 3,215 |
| Average equity | $21,053,500 | 2,978 |
| Average total loans | $97,487,500 | 3,790 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5101% | 6,376 |
| Cost of funding earning assets | 1.1200% | 5,018 |
| Net interest margin | 3.3901% | 5,674 |
| Noninterest income to average assets | 0.2664% | 5,882 |
| Noninterest expense to average assets | 2.1358% | 6,761 |
| Loan and lease loss provision to assets | -0.2599% | 7,630 |
| Net operating income to assets | 0.9636% | 2,153 |
| Return on assets (ROA) | 0.9636% | 2,274 |
| Pretax return on assets | 1.4882% | 1,411 |
| Return on Equity (ROE) | 8.5652% | 2,473 |
| Retained earnings to average equity (ytd only) | 3.7722% | 3,223 |
| Net charge-offs to loans | 0.1634% | 5,355 |
| Credit loss provision to net charge-offs | -286.9048% | 7,082 |
| Earnings coverage of net charge-offs (x) | 13.5595% | 1,401 |
| Efficiency ratio | 62.7024% | 5,581 |
| Assets per employee ($millions) | 4.2301% | 3,328 |
| Cash dividends to net income (ytd only)* | 55.9597% | 1,805 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3741% | 4,638 |
| Loan loss allowance to noncurrent loans | 95.6338% | 3,003 |
| Noncurrent assets plus other real estate owned to assets | 2.1569% | 3,146 |
| Noncurrent loans to loans | 1.4369% | 4,332 |
| Net loans and leases to total assets | 50.0902% | 6,159 |
| Net loans and leases to deposits | 56.3796% | 6,408 |
| Net loans and leases to core deposits | 57.8339% | 6,573 |
| Total domestic deposits to total assets | 88.8445% | 1,749 |
| Equity capital to assets | 10.8117% | 2,847 |
| Core capital (leverage) ratio | 9.1321% | 4,300 |
| Tier 1 risk-based capital ratio | 19.0858% | 1,695 |
| Total risk-based capital ratio | 20.3401% | 1,661 |
| Memoranda: | ||
| Average total assets | $185,455,400 | 3,290 |
| Average earning assets | $169,465,600 | 3,291 |
| Average equity | $20,863,400 | 3,028 |
| Average total loans | $102,846,600 | 3,717 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6071% | 6,317 |
| Cost of funding earning assets | 1.1674% | 5,044 |
| Net interest margin | 3.4397% | 5,533 |
| Noninterest income to average assets | 0.2875% | 5,818 |
| Noninterest expense to average assets | 2.1240% | 6,800 |
| Loan and lease loss provision to assets | -0.4513% | 7,745 |
| Net operating income to assets | 1.1261% | 1,803 |
| Return on assets (ROA) | 1.1261% | 1,916 |
| Pretax return on assets | 1.7739% | 971 |
| Return on Equity (ROE) | 9.9070% | 2,157 |
| Retained earnings to average equity (ytd only) | 5.1040% | 2,912 |
| Net charge-offs to loans | 0.1258% | 5,296 |
| Credit loss provision to net charge-offs | -632.6531% | 7,045 |
| Earnings coverage of net charge-offs (x) | 18.5413% | 1,253 |
| Efficiency ratio | 60.8448% | 5,817 |
| Assets per employee ($millions) | 3.9381% | 3,960 |
| Cash dividends to net income (ytd only)* | 48.4811% | 1,694 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2552% | 5,198 |
| Loan loss allowance to noncurrent loans | 291.8552% | 1,005 |
| Noncurrent assets plus other real estate owned to assets | 1.3685% | 4,433 |
| Noncurrent loans to loans | 0.4301% | 6,339 |
| Net loans and leases to total assets | 56.0201% | 5,544 |
| Net loans and leases to deposits | 63.7087% | 5,947 |
| Net loans and leases to core deposits | 64.6487% | 6,244 |
| Total domestic deposits to total assets | 87.9316% | 2,001 |
| Equity capital to assets | 11.6190% | 2,440 |
| Core capital (leverage) ratio | 9.2515% | 4,273 |
| Tier 1 risk-based capital ratio | 19.3244% | 1,682 |
| Total risk-based capital ratio | 20.5771% | 1,647 |
| Memoranda: | ||
| Average total assets | $183,173,000 | 3,377 |
| Average earning assets | $168,228,250 | 3,353 |
| Average equity | $20,819,750 | 3,071 |
| Average total loans | $103,851,750 | 3,736 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5909% | 6,482 |
| Cost of funding earning assets | 1.1987% | 5,136 |
| Net interest margin | 3.3923% | 5,669 |
| Noninterest income to average assets | 0.2959% | 5,779 |
| Noninterest expense to average assets | 2.1485% | 6,769 |
| Loan and lease loss provision to assets | -0.6984% | 7,818 |
| Net operating income to assets | 1.2597% | 1,402 |
| Return on assets (ROA) | 1.2597% | 1,471 |
| Pretax return on assets | 1.9614% | 653 |
| Return on Equity (ROE) | 11.1649% | 1,697 |
| Retained earnings to average equity (ytd only) | 6.3441% | 2,145 |
| Net charge-offs to loans | 0.1459% | 4,777 |
| Credit loss provision to net charge-offs | -844.7368% | 6,888 |
| Earnings coverage of net charge-offs (x) | 15.2763% | 1,462 |
| Efficiency ratio | 62.2130% | 5,648 |
| Assets per employee ($millions) | 3.8540% | 4,088 |
| Cash dividends to net income (ytd only)* | 43.1779% | 1,940 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2549% | 5,153 |
| Loan loss allowance to noncurrent loans | 165.4685% | 1,704 |
| Noncurrent assets plus other real estate owned to assets | 1.6082% | 4,029 |
| Noncurrent loans to loans | 0.7584% | 5,754 |
| Net loans and leases to total assets | 55.9971% | 5,708 |
| Net loans and leases to deposits | 63.6340% | 6,069 |
| Net loans and leases to core deposits | 64.8078% | 6,334 |
| Total domestic deposits to total assets | 87.9987% | 2,004 |
| Equity capital to assets | 11.5437% | 2,404 |
| Core capital (leverage) ratio | 9.2458% | 4,218 |
| Tier 1 risk-based capital ratio | 19.2037% | 1,673 |
| Total risk-based capital ratio | 20.4565% | 1,633 |
| Memoranda: | ||
| Average total assets | $183,847,000 | 3,390 |
| Average earning assets | $168,855,330 | 3,361 |
| Average equity | $20,743,670 | 3,073 |
| Average total loans | $104,212,000 | 3,763 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6900% | 6,278 |
| Cost of funding earning assets | 1.2388% | 5,182 |
| Net interest margin | 3.4512% | 5,366 |
| Noninterest income to average assets | 0.3197% | 5,591 |
| Noninterest expense to average assets | 2.1663% | 6,768 |
| Loan and lease loss provision to assets | -1.4600% | 7,926 |
| Net operating income to assets | 1.7689% | 529 |
| Return on assets (ROA) | 1.7689% | 580 |
| Pretax return on assets | 2.7905% | 162 |
| Return on Equity (ROE) | 15.8563% | 738 |
| Retained earnings to average equity (ytd only) | 15.8563% | 352 |
| Net charge-offs to loans | 0.1677% | 3,920 |
| Credit loss provision to net charge-offs | -1,536.3636% | 6,478 |
| Earnings coverage of net charge-offs (x) | 14.0000% | 1,460 |
| Efficiency ratio | 61.2106% | 5,963 |
| Assets per employee ($millions) | 3.9903% | 3,893 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2316% | 5,322 |
| Loan loss allowance to noncurrent loans | 246.7433% | 1,183 |
| Noncurrent assets plus other real estate owned to assets | 1.3789% | 4,440 |
| Noncurrent loans to loans | 0.4992% | 6,299 |
| Net loans and leases to total assets | 56.2714% | 5,702 |
| Net loans and leases to deposits | 63.9216% | 6,057 |
| Net loans and leases to core deposits | 65.0844% | 6,363 |
| Total domestic deposits to total assets | 88.0319% | 2,041 |
| Equity capital to assets | 11.4788% | 2,382 |
| Core capital (leverage) ratio | 9.2799% | 4,086 |
| Tier 1 risk-based capital ratio | 19.0179% | 1,718 |
| Total risk-based capital ratio | 20.2703% | 1,682 |
| Memoranda: | ||
| Average total assets | $185,201,500 | 3,424 |
| Average earning assets | $170,491,500 | 3,396 |
| Average equity | $20,660,500 | 3,108 |
| Average total loans | $104,957,500 | 3,798 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8848% | 6,748 |
| Cost of funding earning assets | 1.7457% | 4,271 |
| Net interest margin | 3.1391% | 6,259 |
| Noninterest income to average assets | 0.3467% | 5,614 |
| Noninterest expense to average assets | 2.2696% | 6,826 |
| Loan and lease loss provision to assets | 0.1277% | 6,363 |
| Net operating income to assets | 0.5344% | 3,594 |
| Return on assets (ROA) | 0.5344% | 3,688 |
| Pretax return on assets | 0.8178% | 3,189 |
| Return on Equity (ROE) | 4.9613% | 3,683 |
| Retained earnings to average equity (ytd only) | 1.1951% | 4,209 |
| Net charge-offs to loans | 0.2244% | 5,220 |
| Credit loss provision to net charge-offs | 98.7448% | 5,643 |
| Earnings coverage of net charge-offs (x) | 7.3138% | 2,176 |
| Efficiency ratio | 69.1117% | 4,802 |
| Assets per employee ($millions) | 4.3453% | 3,203 |
| Cash dividends to net income (ytd only)* | 75.9109% | 1,323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9062% | 2,244 |
| Loan loss allowance to noncurrent loans | 459.4966% | 726 |
| Noncurrent assets plus other real estate owned to assets | 1.2368% | 4,623 |
| Noncurrent loans to loans | 0.4149% | 6,446 |
| Net loans and leases to total assets | 55.3016% | 6,046 |
| Net loans and leases to deposits | 62.2995% | 6,432 |
| Net loans and leases to core deposits | 78.5069% | 6,224 |
| Total domestic deposits to total assets | 88.7673% | 1,587 |
| Equity capital to assets | 10.8382% | 2,833 |
| Core capital (leverage) ratio | 8.7416% | 4,854 |
| Tier 1 risk-based capital ratio | 18.1037% | 1,861 |
| Total risk-based capital ratio | 19.3665% | 1,817 |
| Memoranda: | ||
| Average total assets | $184,879,400 | 3,353 |
| Average earning assets | $168,931,600 | 3,371 |
| Average equity | $19,914,200 | 3,215 |
| Average total loans | $106,492,400 | 3,768 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8974% | 6,894 |
| Cost of funding earning assets | 1.8284% | 4,241 |
| Net interest margin | 3.0689% | 6,403 |
| Noninterest income to average assets | 0.3493% | 5,705 |
| Noninterest expense to average assets | 2.2445% | 6,856 |
| Loan and lease loss provision to assets | 0.0101% | 7,228 |
| Net operating income to assets | 0.5850% | 3,652 |
| Return on assets (ROA) | 0.5850% | 3,723 |
| Pretax return on assets | 0.9031% | 3,218 |
| Return on Equity (ROE) | 5.4394% | 3,766 |
| Retained earnings to average equity (ytd only) | 0.3967% | 5,032 |
| Net charge-offs to loans | 0.1636% | 5,080 |
| Credit loss provision to net charge-offs | 10.6870% | 6,616 |
| Earnings coverage of net charge-offs (x) | 9.6414% | 2,078 |
| Efficiency ratio | 69.5672% | 4,679 |
| Assets per employee ($millions) | 3.9807% | 3,770 |
| Cash dividends to net income (ytd only)* | 92.7075% | 695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7888% | 2,313 |
| Loan loss allowance to noncurrent loans | 360.7619% | 862 |
| Noncurrent assets plus other real estate owned to assets | 1.1659% | 4,749 |
| Noncurrent loans to loans | 0.4958% | 6,322 |
| Net loans and leases to total assets | 56.7887% | 6,059 |
| Net loans and leases to deposits | 64.1592% | 6,478 |
| Net loans and leases to core deposits | 84.4772% | 6,006 |
| Total domestic deposits to total assets | 88.5121% | 1,431 |
| Equity capital to assets | 10.9615% | 3,049 |
| Core capital (leverage) ratio | 8.6955% | 5,132 |
| Tier 1 risk-based capital ratio | 17.9468% | 2,008 |
| Total risk-based capital ratio | 19.2078% | 1,948 |
| Memoranda: | ||
| Average total assets | $184,387,250 | 3,398 |
| Average earning assets | $168,740,000 | 3,394 |
| Average equity | $19,830,000 | 3,265 |
| Average total loans | $106,781,000 | 3,801 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8796% | 7,079 |
| Cost of funding earning assets | 1.8880% | 4,329 |
| Net interest margin | 2.9916% | 6,577 |
| Noninterest income to average assets | 0.3755% | 5,504 |
| Noninterest expense to average assets | 2.2704% | 6,847 |
| Loan and lease loss provision to assets | -0.0455% | 8,153 |
| Net operating income to assets | 0.5660% | 3,822 |
| Return on assets (ROA) | 0.5660% | 3,937 |
| Pretax return on assets | 0.8787% | 3,407 |
| Return on Equity (ROE) | 5.2964% | 3,956 |
| Retained earnings to average equity (ytd only) | -2.2988% | 5,812 |
| Net charge-offs to loans | 0.1345% | 4,817 |
| Credit loss provision to net charge-offs | -58.3333% | 6,924 |
| Earnings coverage of net charge-offs (x) | 10.6944% | 1,969 |
| Efficiency ratio | 71.6179% | 4,483 |
| Assets per employee ($millions) | 3.9538% | 3,765 |
| Cash dividends to net income (ytd only)* | 143.4034% | 379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8049% | 2,030 |
| Loan loss allowance to noncurrent loans | 373.4252% | 843 |
| Noncurrent assets plus other real estate owned to assets | 0.8691% | 5,251 |
| Noncurrent loans to loans | 0.4833% | 6,318 |
| Net loans and leases to total assets | 55.5377% | 6,268 |
| Net loans and leases to deposits | 62.5593% | 6,699 |
| Net loans and leases to core deposits | 82.2447% | 6,218 |
| Total domestic deposits to total assets | 88.7761% | 1,390 |
| Equity capital to assets | 10.6475% | 3,254 |
| Core capital (leverage) ratio | 8.4739% | 5,488 |
| Tier 1 risk-based capital ratio | 17.5168% | 2,145 |
| Total risk-based capital ratio | 18.7781% | 2,099 |
| Memoranda: | ||
| Average total assets | $184,811,670 | 3,411 |
| Average earning assets | $168,539,330 | 3,422 |
| Average equity | $19,749,330 | 3,284 |
| Average total loans | $107,080,670 | 3,830 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7065% | 7,502 |
| Cost of funding earning assets | 1.9684% | 4,295 |
| Net interest margin | 2.7381% | 7,126 |
| Noninterest income to average assets | 0.4254% | 5,002 |
| Noninterest expense to average assets | 2.2116% | 6,836 |
| Loan and lease loss provision to assets | 0.0781% | 5,974 |
| Net operating income to assets | 0.4037% | 4,844 |
| Return on assets (ROA) | 0.4037% | 5,025 |
| Pretax return on assets | 0.6294% | 4,663 |
| Return on Equity (ROE) | 3.7707% | 5,047 |
| Retained earnings to average equity (ytd only) | -11.4338% | 7,234 |
| Net charge-offs to loans | 0.2258% | 3,287 |
| Credit loss provision to net charge-offs | 59.0164% | 4,535 |
| Earnings coverage of net charge-offs (x) | 5.3443% | 2,689 |
| Efficiency ratio | 74.1264% | 3,804 |
| Assets per employee ($millions) | 3.8406% | 3,996 |
| Cash dividends to net income (ytd only)* | 403.2258% | 101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8748% | 1,680 |
| Loan loss allowance to noncurrent loans | 148.0984% | 2,172 |
| Noncurrent assets plus other real estate owned to assets | 1.3317% | 3,997 |
| Noncurrent loans to loans | 1.2659% | 4,452 |
| Net loans and leases to total assets | 56.3868% | 6,185 |
| Net loans and leases to deposits | 63.3694% | 6,616 |
| Net loans and leases to core deposits | 82.4068% | 6,201 |
| Total domestic deposits to total assets | 88.9812% | 1,235 |
| Equity capital to assets | 10.5502% | 3,413 |
| Core capital (leverage) ratio | 8.3995% | 5,718 |
| Tier 1 risk-based capital ratio | 17.0091% | 2,337 |
| Total risk-based capital ratio | 18.2711% | 2,266 |
| Memoranda: | ||
| Average total assets | $184,304,000 | 3,443 |
| Average earning assets | $167,853,500 | 3,452 |
| Average equity | $19,731,000 | 3,297 |
| Average total loans | $108,070,500 | 3,836 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8583% | 6,244 |
| Cost of funding earning assets | 2.7191% | 3,068 |
| Net interest margin | 3.1392% | 6,547 |
| Noninterest income to average assets | 0.4277% | 5,229 |
| Noninterest expense to average assets | 1.8714% | 7,660 |
| Loan and lease loss provision to assets | 0.1442% | 5,512 |
| Net operating income to assets | 0.8450% | 3,242 |
| Return on assets (ROA) | 0.8450% | 3,078 |
| Pretax return on assets | 1.2901% | 2,345 |
| Return on Equity (ROE) | 8.3361% | 2,924 |
| Retained earnings to average equity (ytd only) | 8.3361% | 749 |
| Net charge-offs to loans | 0.1545% | 4,651 |
| Credit loss provision to net charge-offs | 159.3023% | 3,245 |
| Earnings coverage of net charge-offs (x) | 15.8488% | 1,896 |
| Efficiency ratio | 54.5918% | 7,199 |
| Assets per employee ($millions) | 3.8388% | 3,882 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8247% | 1,575 |
| Loan loss allowance to noncurrent loans | 286.8759% | 1,414 |
| Noncurrent assets plus other real estate owned to assets | 0.8960% | 4,609 |
| Noncurrent loans to loans | 0.6361% | 5,456 |
| Net loans and leases to total assets | 58.7192% | 6,101 |
| Net loans and leases to deposits | 66.2840% | 6,622 |
| Net loans and leases to core deposits | 85.6944% | 6,153 |
| Total domestic deposits to total assets | 88.5873% | 1,211 |
| Equity capital to assets | 10.8613% | 3,159 |
| Core capital (leverage) ratio | 8.7377% | 5,136 |
| Tier 1 risk-based capital ratio | 17.2262% | 2,247 |
| Total risk-based capital ratio | 18.4885% | 2,197 |
| Memoranda: | ||
| Average total assets | $190,069,200 | 3,270 |
| Average earning assets | $174,248,800 | 3,261 |
| Average equity | $19,265,600 | 3,349 |
| Average total loans | $111,352,400 | 3,651 |