Home > Town Square Bank, Inc. > Performance and Condition Ratios
Town Square Bank, Inc., 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 | 5.2904% | 541 |
| Cost of funding earning assets | 0.5590% | 3,032 |
| Net interest margin | 4.7314% | 488 |
| Noninterest income to average assets | 0.9070% | 1,656 |
| Noninterest expense to average assets | 3.6229% | 1,412 |
| Loan and lease loss provision to assets | 0.5083% | 547 |
| Net operating income to assets | 1.2344% | 1,437 |
| Return on assets (ROA) | 1.2873% | 1,334 |
| Pretax return on assets | 1.2873% | 2,209 |
| Return on Equity (ROE) | 11.4416% | 1,619 |
| Retained earnings to average equity (ytd only) | 11.0566% | 412 |
| Net charge-offs to loans | 0.6966% | 928 |
| Credit loss provision to net charge-offs | 88.7653% | 2,798 |
| Earnings coverage of net charge-offs (x) | 3.0434% | 3,978 |
| Efficiency ratio | 67.5214% | 4,285 |
| Assets per employee ($millions) | 3.1906% | 5,507 |
| Cash dividends to net income (ytd only)* | 3.3647% | 4,220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2466% | 4,404 |
| Loan loss allowance to noncurrent loans | 22.8322% | 6,115 |
| Noncurrent assets plus other real estate owned to assets | 4.9306% | 484 |
| Noncurrent loans to loans | 5.4599% | 418 |
| Net loans and leases to total assets | 83.0421% | 323 |
| Net loans and leases to deposits | 102.3986% | 378 |
| Net loans and leases to core deposits | 108.4529% | 676 |
| Total domestic deposits to total assets | 81.0970% | 5,142 |
| Equity capital to assets | 12.0505% | 1,769 |
| Core capital (leverage) ratio | 11.9734% | 1,625 |
| Tier 1 risk-based capital ratio | 15.4531% | 3,403 |
| Total risk-based capital ratio | 16.7046% | 3,351 |
| Memoranda: | ||
| Average total assets | $157,001,200 | 3,599 |
| Average earning assets | $147,946,200 | 3,544 |
| Average equity | $17,663,600 | 3,474 |
| Average total loans | $129,062,600 | 2,878 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2741% | 551 |
| Cost of funding earning assets | 0.5961% | 2,845 |
| Net interest margin | 4.6780% | 536 |
| Noninterest income to average assets | 0.9129% | 1,711 |
| Noninterest expense to average assets | 3.5180% | 1,574 |
| Loan and lease loss provision to assets | 0.2755% | 1,263 |
| Net operating income to assets | 1.5285% | 854 |
| Return on assets (ROA) | 1.5595% | 857 |
| Pretax return on assets | 1.5595% | 1,445 |
| Return on Equity (ROE) | 14.0985% | 975 |
| Retained earnings to average equity (ytd only) | 13.7644% | 271 |
| Net charge-offs to loans | 0.5228% | 1,232 |
| Credit loss provision to net charge-offs | 64.4401% | 3,193 |
| Earnings coverage of net charge-offs (x) | 4.2200% | 3,497 |
| Efficiency ratio | 66.1038% | 4,459 |
| Assets per employee ($millions) | 3.1712% | 5,558 |
| Cash dividends to net income (ytd only)* | 2.3696% | 3,696 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1764% | 4,981 |
| Loan loss allowance to noncurrent loans | 18.6663% | 6,277 |
| Noncurrent assets plus other real estate owned to assets | 5.2701% | 515 |
| Noncurrent loans to loans | 6.3021% | 378 |
| Net loans and leases to total assets | 82.3418% | 342 |
| Net loans and leases to deposits | 99.0423% | 513 |
| Net loans and leases to core deposits | 104.6524% | 842 |
| Total domestic deposits to total assets | 83.1380% | 4,526 |
| Equity capital to assets | 11.9250% | 1,965 |
| Core capital (leverage) ratio | 11.6592% | 1,910 |
| Tier 1 risk-based capital ratio | 15.1891% | 3,637 |
| Total risk-based capital ratio | 16.4397% | 3,592 |
| Memoranda: | ||
| Average total assets | $158,761,500 | 3,610 |
| Average earning assets | $149,632,250 | 3,540 |
| Average equity | $17,561,750 | 3,519 |
| Average total loans | $129,802,750 | 2,888 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2135% | 625 |
| Cost of funding earning assets | 0.6705% | 2,315 |
| Net interest margin | 4.5430% | 658 |
| Noninterest income to average assets | 0.9308% | 1,717 |
| Noninterest expense to average assets | 3.4745% | 1,668 |
| Loan and lease loss provision to assets | 0.1653% | 2,261 |
| Net operating income to assets | 1.5770% | 774 |
| Return on assets (ROA) | 1.6229% | 786 |
| Pretax return on assets | 1.6229% | 1,298 |
| Return on Equity (ROE) | 15.0418% | 804 |
| Retained earnings to average equity (ytd only) | 14.5465% | 267 |
| Net charge-offs to loans | 0.6529% | 1,003 |
| Credit loss provision to net charge-offs | 31.1475% | 3,572 |
| Earnings coverage of net charge-offs (x) | 3.2834% | 3,437 |
| Efficiency ratio | 66.6031% | 4,432 |
| Assets per employee ($millions) | 3.0982% | 5,682 |
| Cash dividends to net income (ytd only)* | 3.2925% | 3,451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0906% | 5,481 |
| Loan loss allowance to noncurrent loans | 17.8096% | 6,344 |
| Noncurrent assets plus other real estate owned to assets | 5.0695% | 605 |
| Noncurrent loans to loans | 6.1236% | 447 |
| Net loans and leases to total assets | 80.7363% | 465 |
| Net loans and leases to deposits | 94.0184% | 813 |
| Net loans and leases to core deposits | 102.2951% | 927 |
| Total domestic deposits to total assets | 85.8729% | 3,437 |
| Equity capital to assets | 11.3145% | 2,449 |
| Core capital (leverage) ratio | 11.0050% | 2,348 |
| Tier 1 risk-based capital ratio | 14.6174% | 4,022 |
| Total risk-based capital ratio | 15.8279% | 4,015 |
| Memoranda: | ||
| Average total assets | $160,942,670 | 3,592 |
| Average earning assets | $151,837,330 | 3,518 |
| Average equity | $17,365,000 | 3,565 |
| Average total loans | $130,793,330 | 2,864 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1732% | 637 |
| Cost of funding earning assets | 0.7645% | 1,751 |
| Net interest margin | 4.4087% | 794 |
| Noninterest income to average assets | 1.0173% | 1,428 |
| Noninterest expense to average assets | 3.4374% | 1,747 |
| Loan and lease loss provision to assets | 0.0024% | 4,393 |
| Net operating income to assets | 1.7419% | 528 |
| Return on assets (ROA) | 1.8322% | 503 |
| Pretax return on assets | 1.8322% | 836 |
| Return on Equity (ROE) | 17.3802% | 481 |
| Retained earnings to average equity (ytd only) | 17.3802% | 218 |
| Net charge-offs to loans | -0.0060% | 5,306 |
| Credit loss provision to net charge-offs | -50.0000% | 5,057 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3371% | 4,607 |
| Assets per employee ($millions) | 3.3802% | 5,257 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2665% | 4,861 |
| Loan loss allowance to noncurrent loans | 20.9500% | 6,321 |
| Noncurrent assets plus other real estate owned to assets | 4.9990% | 733 |
| Noncurrent loans to loans | 6.0451% | 547 |
| Net loans and leases to total assets | 80.5308% | 381 |
| Net loans and leases to deposits | 94.4875% | 640 |
| Net loans and leases to core deposits | 100.0544% | 946 |
| Total domestic deposits to total assets | 85.2291% | 3,934 |
| Equity capital to assets | 10.8480% | 3,147 |
| Core capital (leverage) ratio | 10.2849% | 3,030 |
| Tier 1 risk-based capital ratio | 13.6143% | 4,782 |
| Total risk-based capital ratio | 14.8665% | 4,748 |
| Memoranda: | ||
| Average total assets | $163,960,000 | 3,594 |
| Average earning assets | $154,874,500 | 3,516 |
| Average equity | $17,284,000 | 3,618 |
| Average total loans | $132,967,000 | 2,840 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2561% | 1,005 |
| Cost of funding earning assets | 1.2268% | 509 |
| Net interest margin | 4.0292% | 2,277 |
| Noninterest income to average assets | 0.1787% | 6,122 |
| Noninterest expense to average assets | 3.4768% | 1,875 |
| Loan and lease loss provision to assets | 0.3729% | 1,758 |
| Net operating income to assets | 0.1055% | 6,004 |
| Return on assets (ROA) | 0.1055% | 6,142 |
| Pretax return on assets | 0.1055% | 6,150 |
| Return on Equity (ROE) | 1.0950% | 6,115 |
| Retained earnings to average equity (ytd only) | 1.0950% | 5,324 |
| Net charge-offs to loans | 0.4436% | 2,455 |
| Credit loss provision to net charge-offs | 109.6610% | 2,671 |
| Earnings coverage of net charge-offs (x) | 1.4068% | 4,747 |
| Efficiency ratio | 87.9044% | 1,250 |
| Assets per employee ($millions) | 3.3810% | 5,261 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2523% | 4,858 |
| Loan loss allowance to noncurrent loans | 20.6187% | 6,372 |
| Noncurrent assets plus other real estate owned to assets | 5.5472% | 666 |
| Noncurrent loans to loans | 6.0735% | 588 |
| Net loans and leases to total assets | 79.6305% | 508 |
| Net loans and leases to deposits | 90.7180% | 1,007 |
| Net loans and leases to core deposits | 95.5555% | 1,344 |
| Total domestic deposits to total assets | 87.7780% | 2,362 |
| Equity capital to assets | 10.2415% | 3,837 |
| Core capital (leverage) ratio | 9.5500% | 4,035 |
| Tier 1 risk-based capital ratio | 12.7861% | 5,263 |
| Total risk-based capital ratio | 14.0373% | 5,200 |
| Memoranda: | ||
| Average total assets | $173,492,800 | 3,394 |
| Average earning assets | $162,612,400 | 3,336 |
| Average equity | $16,711,800 | 3,672 |
| Average total loans | $133,014,800 | 2,826 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2600% | 1,081 |
| Cost of funding earning assets | 1.1606% | 831 |
| Net interest margin | 4.0994% | 2,086 |
| Noninterest income to average assets | -0.0137% | 6,965 |
| Noninterest expense to average assets | 3.4775% | 1,813 |
| Loan and lease loss provision to assets | 0.1877% | 3,242 |
| Net operating income to assets | 0.1596% | 6,009 |
| Return on assets (ROA) | 0.1596% | 6,161 |
| Pretax return on assets | 0.1596% | 6,184 |
| Return on Equity (ROE) | 1.6818% | 6,104 |
| Retained earnings to average equity (ytd only) | 1.6818% | 5,491 |
| Net charge-offs to loans | 0.4024% | 2,489 |
| Credit loss provision to net charge-offs | 61.5960% | 4,114 |
| Earnings coverage of net charge-offs (x) | 1.1397% | 4,729 |
| Efficiency ratio | 90.9199% | 969 |
| Assets per employee ($millions) | 3.2884% | 5,461 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1060% | 5,698 |
| Loan loss allowance to noncurrent loans | 26.7374% | 6,275 |
| Noncurrent assets plus other real estate owned to assets | 3.9206% | 1,239 |
| Noncurrent loans to loans | 4.1365% | 1,210 |
| Net loans and leases to total assets | 76.4508% | 899 |
| Net loans and leases to deposits | 92.4454% | 925 |
| Net loans and leases to core deposits | 97.1637% | 1,325 |
| Total domestic deposits to total assets | 82.6983% | 4,754 |
| Equity capital to assets | 9.9956% | 4,499 |
| Core capital (leverage) ratio | 9.4707% | 4,313 |
| Tier 1 risk-based capital ratio | 12.8019% | 5,406 |
| Total risk-based capital ratio | 14.0082% | 5,400 |
| Memoranda: | ||
| Average total assets | $175,448,750 | 3,415 |
| Average earning assets | $164,278,750 | 3,351 |
| Average equity | $16,648,000 | 3,711 |
| Average total loans | $132,869,500 | 2,856 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2171% | 1,207 |
| Cost of funding earning assets | 1.2249% | 736 |
| Net interest margin | 3.9923% | 2,535 |
| Noninterest income to average assets | -0.3832% | 7,177 |
| Noninterest expense to average assets | 3.4883% | 1,811 |
| Loan and lease loss provision to assets | 0.2792% | 2,352 |
| Net operating income to assets | -0.4148% | 6,692 |
| Return on assets (ROA) | -0.4148% | 6,738 |
| Pretax return on assets | -0.4148% | 6,705 |
| Return on Equity (ROE) | -4.4485% | 6,748 |
| Retained earnings to average equity (ytd only) | -4.4485% | 6,586 |
| Net charge-offs to loans | 0.5289% | 2,006 |
| Credit loss provision to net charge-offs | 70.1705% | 3,558 |
| Earnings coverage of net charge-offs (x) | -0.3409% | 5,200 |
| Efficiency ratio | 104.0459% | 436 |
| Assets per employee ($millions) | 3.2258% | 5,600 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1291% | 5,648 |
| Loan loss allowance to noncurrent loans | 26.7671% | 6,286 |
| Noncurrent assets plus other real estate owned to assets | 4.0686% | 1,244 |
| Noncurrent loans to loans | 4.2184% | 1,290 |
| Net loans and leases to total assets | 77.3874% | 797 |
| Net loans and leases to deposits | 91.0403% | 1,042 |
| Net loans and leases to core deposits | 94.5219% | 1,550 |
| Total domestic deposits to total assets | 85.0035% | 3,861 |
| Equity capital to assets | 9.5498% | 4,988 |
| Core capital (leverage) ratio | 8.6668% | 5,422 |
| Tier 1 risk-based capital ratio | 12.3470% | 5,684 |
| Total risk-based capital ratio | 13.5921% | 5,669 |
| Memoranda: | ||
| Average total assets | $176,933,330 | 3,410 |
| Average earning assets | $165,569,330 | 3,336 |
| Average equity | $16,500,000 | 3,728 |
| Average total loans | $133,096,330 | 2,871 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1388% | 1,466 |
| Cost of funding earning assets | 1.2026% | 972 |
| Net interest margin | 3.9363% | 2,778 |
| Noninterest income to average assets | 0.5758% | 3,372 |
| Noninterest expense to average assets | 3.4505% | 1,873 |
| Loan and lease loss provision to assets | 0.2334% | 2,607 |
| Net operating income to assets | 0.5669% | 4,506 |
| Return on assets (ROA) | 0.5669% | 4,732 |
| Pretax return on assets | 0.5669% | 5,219 |
| Return on Equity (ROE) | 6.1496% | 4,213 |
| Retained earnings to average equity (ytd only) | 6.1496% | 2,871 |
| Net charge-offs to loans | 0.4339% | 2,012 |
| Credit loss provision to net charge-offs | 72.9167% | 2,860 |
| Earnings coverage of net charge-offs (x) | 2.5000% | 3,167 |
| Efficiency ratio | 81.1715% | 2,055 |
| Assets per employee ($millions) | 3.4461% | 5,248 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1854% | 5,562 |
| Loan loss allowance to noncurrent loans | 25.4150% | 6,363 |
| Noncurrent assets plus other real estate owned to assets | 4.6167% | 1,155 |
| Noncurrent loans to loans | 4.6643% | 1,227 |
| Net loans and leases to total assets | 71.9737% | 1,406 |
| Net loans and leases to deposits | 88.4921% | 1,109 |
| Net loans and leases to core deposits | 91.8559% | 1,665 |
| Total domestic deposits to total assets | 81.3335% | 5,516 |
| Equity capital to assets | 9.1616% | 5,278 |
| Core capital (leverage) ratio | 9.0403% | 4,776 |
| Tier 1 risk-based capital ratio | 12.6983% | 5,447 |
| Total risk-based capital ratio | 13.9486% | 5,406 |
| Memoranda: | ||
| Average total assets | $179,916,500 | 3,381 |
| Average earning assets | $167,976,000 | 3,318 |
| Average equity | $16,586,500 | 3,716 |
| Average total loans | $132,735,500 | 2,895 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4120% | 1,388 |
| Cost of funding earning assets | 1.3229% | 1,377 |
| Net interest margin | 4.0891% | 2,474 |
| Noninterest income to average assets | 0.6913% | 2,656 |
| Noninterest expense to average assets | 3.4759% | 2,046 |
| Loan and lease loss provision to assets | 0.5885% | 1,756 |
| Net operating income to assets | 0.4770% | 4,519 |
| Return on assets (ROA) | 0.4845% | 4,699 |
| Pretax return on assets | 0.4845% | 5,034 |
| Return on Equity (ROE) | 5.1352% | 4,326 |
| Retained earnings to average equity (ytd only) | 2.9185% | 4,161 |
| Net charge-offs to loans | 0.9674% | 1,782 |
| Credit loss provision to net charge-offs | 77.7437% | 4,562 |
| Earnings coverage of net charge-offs (x) | 1.4075% | 4,715 |
| Efficiency ratio | 76.5383% | 2,818 |
| Assets per employee ($millions) | 3.4075% | 5,228 |
| Cash dividends to net income (ytd only)* | 43.1655% | 2,410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2202% | 5,293 |
| Loan loss allowance to noncurrent loans | 28.0604% | 6,300 |
| Noncurrent assets plus other real estate owned to assets | 4.5352% | 1,207 |
| Noncurrent loans to loans | 4.3484% | 1,391 |
| Net loans and leases to total assets | 73.8320% | 1,301 |
| Net loans and leases to deposits | 91.2753% | 1,028 |
| Net loans and leases to core deposits | 94.8563% | 1,605 |
| Total domestic deposits to total assets | 80.8894% | 5,484 |
| Equity capital to assets | 9.2782% | 5,175 |
| Core capital (leverage) ratio | 8.9682% | 4,838 |
| Tier 1 risk-based capital ratio | 12.4933% | 5,456 |
| Total risk-based capital ratio | 13.7437% | 5,440 |
| Memoranda: | ||
| Average total assets | $172,127,200 | 3,453 |
| Average earning assets | $162,066,400 | 3,366 |
| Average equity | $16,241,000 | 3,683 |
| Average total loans | $134,691,200 | 2,906 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6463% | 944 |
| Cost of funding earning assets | 1.3260% | 1,567 |
| Net interest margin | 4.3204% | 1,640 |
| Noninterest income to average assets | 0.6641% | 2,806 |
| Noninterest expense to average assets | 3.4046% | 2,178 |
| Loan and lease loss provision to assets | 0.0780% | 5,466 |
| Net operating income to assets | 1.2673% | 1,460 |
| Return on assets (ROA) | 1.2774% | 1,539 |
| Pretax return on assets | 1.2774% | 2,368 |
| Return on Equity (ROE) | 13.4802% | 1,163 |
| Retained earnings to average equity (ytd only) | 10.5157% | 724 |
| Net charge-offs to loans | 0.3125% | 3,537 |
| Credit loss provision to net charge-offs | 31.5457% | 5,389 |
| Earnings coverage of net charge-offs (x) | 5.4384% | 2,785 |
| Efficiency ratio | 71.6773% | 3,624 |
| Assets per employee ($millions) | 3.4060% | 5,235 |
| Cash dividends to net income (ytd only)* | 21.9916% | 2,844 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2167% | 5,401 |
| Loan loss allowance to noncurrent loans | 31.4818% | 6,168 |
| Noncurrent assets plus other real estate owned to assets | 3.1254% | 2,047 |
| Noncurrent loans to loans | 3.8648% | 1,733 |
| Net loans and leases to total assets | 78.9425% | 612 |
| Net loans and leases to deposits | 98.5426% | 548 |
| Net loans and leases to core deposits | 102.5141% | 1,071 |
| Total domestic deposits to total assets | 80.1100% | 5,704 |
| Equity capital to assets | 9.9364% | 4,430 |
| Core capital (leverage) ratio | 9.6981% | 3,851 |
| Tier 1 risk-based capital ratio | 12.9839% | 5,111 |
| Total risk-based capital ratio | 14.2345% | 5,078 |
| Memoranda: | ||
| Average total assets | $170,861,500 | 3,504 |
| Average earning assets | $161,587,500 | 3,392 |
| Average equity | $16,191,250 | 3,705 |
| Average total loans | $135,254,250 | 2,915 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6319% | 1,016 |
| Cost of funding earning assets | 1.3348% | 1,729 |
| Net interest margin | 4.2972% | 1,667 |
| Noninterest income to average assets | 0.6568% | 2,782 |
| Noninterest expense to average assets | 3.4241% | 2,197 |
| Loan and lease loss provision to assets | 0.1177% | 4,802 |
| Net operating income to assets | 1.1735% | 1,650 |
| Return on assets (ROA) | 1.1888% | 1,704 |
| Pretax return on assets | 1.1888% | 2,527 |
| Return on Equity (ROE) | 12.7566% | 1,258 |
| Retained earnings to average equity (ytd only) | 9.2832% | 1,019 |
| Net charge-offs to loans | 0.2685% | 3,544 |
| Credit loss provision to net charge-offs | 55.5556% | 4,449 |
| Earnings coverage of net charge-offs (x) | 6.0944% | 2,471 |
| Efficiency ratio | 72.6161% | 3,615 |
| Assets per employee ($millions) | 3.2629% | 5,498 |
| Cash dividends to net income (ytd only)* | 27.2277% | 2,576 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3521% | 4,823 |
| Loan loss allowance to noncurrent loans | 40.2557% | 5,637 |
| Noncurrent assets plus other real estate owned to assets | 2.6941% | 2,483 |
| Noncurrent loans to loans | 3.3588% | 2,118 |
| Net loans and leases to total assets | 77.0370% | 912 |
| Net loans and leases to deposits | 95.7585% | 745 |
| Net loans and leases to core deposits | 101.1687% | 1,243 |
| Total domestic deposits to total assets | 80.4493% | 5,692 |
| Equity capital to assets | 9.5562% | 4,729 |
| Core capital (leverage) ratio | 9.6691% | 3,703 |
| Tier 1 risk-based capital ratio | 12.8433% | 5,048 |
| Total risk-based capital ratio | 14.0956% | 5,025 |
| Memoranda: | ||
| Average total assets | $169,913,670 | 3,536 |
| Average earning assets | $160,477,670 | 3,435 |
| Average equity | $15,835,000 | 3,761 |
| Average total loans | $134,067,000 | 2,963 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6294% | 1,008 |
| Cost of funding earning assets | 1.3654% | 1,804 |
| Net interest margin | 4.2640% | 1,687 |
| Noninterest income to average assets | 0.6176% | 3,051 |
| Noninterest expense to average assets | 3.4869% | 2,039 |
| Loan and lease loss provision to assets | 0.2375% | 3,288 |
| Net operating income to assets | 0.9359% | 2,421 |
| Return on assets (ROA) | 0.9477% | 2,433 |
| Pretax return on assets | 0.9477% | 3,329 |
| Return on Equity (ROE) | 10.3038% | 1,993 |
| Retained earnings to average equity (ytd only) | 7.5922% | 1,894 |
| Net charge-offs to loans | 0.2875% | 2,914 |
| Credit loss provision to net charge-offs | 104.1667% | 2,552 |
| Earnings coverage of net charge-offs (x) | 5.1458% | 2,326 |
| Efficiency ratio | 74.8216% | 3,361 |
| Assets per employee ($millions) | 3.1111% | 5,926 |
| Cash dividends to net income (ytd only)* | 26.3158% | 2,081 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4388% | 4,486 |
| Loan loss allowance to noncurrent loans | 46.6879% | 5,191 |
| Noncurrent assets plus other real estate owned to assets | 2.4655% | 2,764 |
| Noncurrent loans to loans | 3.0818% | 2,437 |
| Net loans and leases to total assets | 77.8813% | 742 |
| Net loans and leases to deposits | 97.6054% | 592 |
| Net loans and leases to core deposits | 102.4148% | 1,170 |
| Total domestic deposits to total assets | 79.7920% | 5,996 |
| Equity capital to assets | 9.3043% | 4,719 |
| Core capital (leverage) ratio | 9.3551% | 4,044 |
| Tier 1 risk-based capital ratio | 12.7340% | 5,029 |
| Total risk-based capital ratio | 13.9876% | 5,006 |
| Memoranda: | ||
| Average total assets | $168,403,000 | 3,583 |
| Average earning assets | $159,663,000 | 3,471 |
| Average equity | $15,489,500 | 3,816 |
| Average total loans | $133,575,500 | 3,013 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6857% | 1,623 |
| Cost of funding earning assets | 1.6743% | 1,712 |
| Net interest margin | 4.0114% | 2,971 |
| Noninterest income to average assets | 0.7606% | 2,481 |
| Noninterest expense to average assets | 3.2845% | 2,783 |
| Loan and lease loss provision to assets | 0.5051% | 3,134 |
| Net operating income to assets | 0.7689% | 2,923 |
| Return on assets (ROA) | 0.7535% | 3,109 |
| Pretax return on assets | 0.7535% | 3,787 |
| Return on Equity (ROE) | 8.3588% | 2,549 |
| Retained earnings to average equity (ytd only) | 5.4719% | 2,131 |
| Net charge-offs to loans | 0.2100% | 5,033 |
| Credit loss provision to net charge-offs | 310.5455% | 853 |
| Earnings coverage of net charge-offs (x) | 7.8327% | 2,058 |
| Efficiency ratio | 72.0514% | 3,784 |
| Assets per employee ($millions) | 3.3762% | 5,228 |
| Cash dividends to net income (ytd only)* | 34.5369% | 2,841 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4181% | 4,433 |
| Loan loss allowance to noncurrent loans | 50.2107% | 4,986 |
| Noncurrent assets plus other real estate owned to assets | 2.4495% | 2,825 |
| Noncurrent loans to loans | 2.8244% | 2,696 |
| Net loans and leases to total assets | 78.4892% | 876 |
| Net loans and leases to deposits | 98.0159% | 714 |
| Net loans and leases to core deposits | 103.1017% | 1,380 |
| Total domestic deposits to total assets | 80.0780% | 5,813 |
| Equity capital to assets | 9.0920% | 5,002 |
| Core capital (leverage) ratio | 9.0473% | 4,459 |
| Tier 1 risk-based capital ratio | 12.3673% | 5,142 |
| Total risk-based capital ratio | 13.6207% | 5,109 |
| Memoranda: | ||
| Average total assets | $169,067,000 | 3,556 |
| Average earning assets | $160,068,000 | 3,452 |
| Average equity | $15,241,400 | 3,897 |
| Average total loans | $130,977,600 | 3,107 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6573% | 1,861 |
| Cost of funding earning assets | 1.7284% | 1,730 |
| Net interest margin | 3.9289% | 3,412 |
| Noninterest income to average assets | 0.7339% | 2,613 |
| Noninterest expense to average assets | 3.1990% | 2,933 |
| Loan and lease loss provision to assets | 0.3264% | 3,975 |
| Net operating income to assets | 0.9286% | 2,500 |
| Return on assets (ROA) | 0.9089% | 2,719 |
| Pretax return on assets | 0.9089% | 3,526 |
| Return on Equity (ROE) | 10.1039% | 2,086 |
| Retained earnings to average equity (ytd only) | 7.7905% | 1,487 |
| Net charge-offs to loans | 0.2849% | 4,234 |
| Credit loss provision to net charge-offs | 148.9209% | 2,617 |
| Earnings coverage of net charge-offs (x) | 5.7266% | 2,690 |
| Efficiency ratio | 71.8230% | 3,735 |
| Assets per employee ($millions) | 3.4058% | 5,193 |
| Cash dividends to net income (ytd only)* | 22.8968% | 2,837 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0910% | 5,974 |
| Loan loss allowance to noncurrent loans | 304.7917% | 962 |
| Noncurrent assets plus other real estate owned to assets | 0.4868% | 6,209 |
| Noncurrent loans to loans | 0.3579% | 6,480 |
| Net loans and leases to total assets | 77.8883% | 1,055 |
| Net loans and leases to deposits | 97.5057% | 842 |
| Net loans and leases to core deposits | 103.8084% | 1,503 |
| Total domestic deposits to total assets | 79.8808% | 5,745 |
| Equity capital to assets | 9.3300% | 5,089 |
| Core capital (leverage) ratio | 8.8198% | 4,968 |
| Tier 1 risk-based capital ratio | 12.1722% | 5,298 |
| Total risk-based capital ratio | 13.3140% | 5,377 |
| Memoranda: | ||
| Average total assets | $169,131,750 | 3,601 |
| Average earning assets | $160,141,750 | 3,497 |
| Average equity | $15,214,750 | 3,950 |
| Average total loans | $130,121,500 | 3,164 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5349% | 2,388 |
| Cost of funding earning assets | 1.7444% | 1,899 |
| Net interest margin | 3.7905% | 3,935 |
| Noninterest income to average assets | 0.7384% | 2,463 |
| Noninterest expense to average assets | 3.1882% | 2,947 |
| Loan and lease loss provision to assets | 0.4907% | 2,846 |
| Net operating income to assets | 0.6471% | 3,640 |
| Return on assets (ROA) | 0.6175% | 3,932 |
| Pretax return on assets | 0.6175% | 4,518 |
| Return on Equity (ROE) | 6.9511% | 3,323 |
| Retained earnings to average equity (ytd only) | 4.3628% | 3,299 |
| Net charge-offs to loans | 0.2904% | 3,881 |
| Credit loss provision to net charge-offs | 221.3904% | 1,760 |
| Earnings coverage of net charge-offs (x) | 5.1337% | 2,738 |
| Efficiency ratio | 73.6986% | 3,530 |
| Assets per employee ($millions) | 3.4370% | 5,083 |
| Cash dividends to net income (ytd only)* | 37.2361% | 2,210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1893% | 5,512 |
| Loan loss allowance to noncurrent loans | 216.4345% | 1,298 |
| Noncurrent assets plus other real estate owned to assets | 0.6139% | 5,954 |
| Noncurrent loans to loans | 0.5495% | 6,152 |
| Net loans and leases to total assets | 73.6562% | 1,991 |
| Net loans and leases to deposits | 91.3109% | 1,648 |
| Net loans and leases to core deposits | 102.8167% | 1,754 |
| Total domestic deposits to total assets | 80.6653% | 5,518 |
| Equity capital to assets | 8.6641% | 5,926 |
| Core capital (leverage) ratio | 8.7038% | 5,065 |
| Tier 1 risk-based capital ratio | 11.7973% | 5,495 |
| Total risk-based capital ratio | 13.0167% | 5,492 |
| Memoranda: | ||
| Average total assets | $168,745,670 | 3,619 |
| Average earning assets | $159,714,670 | 3,522 |
| Average equity | $14,990,330 | 3,994 |
| Average total loans | $128,795,670 | 3,218 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4827% | 2,674 |
| Cost of funding earning assets | 1.7304% | 2,230 |
| Net interest margin | 3.7523% | 3,997 |
| Noninterest income to average assets | 0.7034% | 2,574 |
| Noninterest expense to average assets | 3.2053% | 2,842 |
| Loan and lease loss provision to assets | 0.2393% | 4,131 |
| Net operating income to assets | 0.8074% | 2,932 |
| Return on assets (ROA) | 0.8074% | 3,026 |
| Pretax return on assets | 0.8074% | 3,835 |
| Return on Equity (ROE) | 8.9713% | 2,503 |
| Retained earnings to average equity (ytd only) | 5.6138% | 2,809 |
| Net charge-offs to loans | 0.3222% | 3,123 |
| Credit loss provision to net charge-offs | 96.1165% | 3,521 |
| Earnings coverage of net charge-offs (x) | 4.2039% | 2,674 |
| Efficiency ratio | 75.3837% | 3,335 |
| Assets per employee ($millions) | 3.9013% | 4,091 |
| Cash dividends to net income (ytd only)* | 37.4251% | 1,833 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0257% | 6,342 |
| Loan loss allowance to noncurrent loans | 161.7359% | 1,740 |
| Noncurrent assets plus other real estate owned to assets | 0.6647% | 5,853 |
| Noncurrent loans to loans | 0.6342% | 6,050 |
| Net loans and leases to total assets | 74.3684% | 1,897 |
| Net loans and leases to deposits | 92.3286% | 1,567 |
| Net loans and leases to core deposits | 96.8479% | 2,482 |
| Total domestic deposits to total assets | 80.5475% | 5,605 |
| Equity capital to assets | 8.7342% | 5,682 |
| Core capital (leverage) ratio | 9.1952% | 4,233 |
| Tier 1 risk-based capital ratio | 11.7359% | 5,458 |
| Total risk-based capital ratio | 12.7767% | 5,624 |
| Memoranda: | ||
| Average total assets | $165,475,500 | 3,740 |
| Average earning assets | $156,492,000 | 3,640 |
| Average equity | $14,892,000 | 4,040 |
| Average total loans | $127,862,000 | 3,304 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0142% | 1,812 |
| Cost of funding earning assets | 2.0500% | 2,726 |
| Net interest margin | 3.9642% | 3,012 |
| Noninterest income to average assets | 0.6723% | 3,138 |
| Noninterest expense to average assets | 3.3378% | 2,879 |
| Loan and lease loss provision to assets | 0.2808% | 5,178 |
| Net operating income to assets | 0.8169% | 2,469 |
| Return on assets (ROA) | 0.9263% | 2,151 |
| Pretax return on assets | 0.9263% | 2,839 |
| Return on Equity (ROE) | 9.6605% | 1,790 |
| Retained earnings to average equity (ytd only) | 3.1747% | 2,939 |
| Net charge-offs to loans | 0.3021% | 4,743 |
| Credit loss provision to net charge-offs | 119.4986% | 4,489 |
| Earnings coverage of net charge-offs (x) | 4.6713% | 2,858 |
| Efficiency ratio | 75.2509% | 3,662 |
| Assets per employee ($millions) | 3.5398% | 4,920 |
| Cash dividends to net income (ytd only)* | 67.1378% | 1,682 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0470% | 6,145 |
| Loan loss allowance to noncurrent loans | 249.9058% | 1,206 |
| Noncurrent assets plus other real estate owned to assets | 0.5418% | 6,095 |
| Noncurrent loans to loans | 0.4190% | 6,437 |
| Net loans and leases to total assets | 78.7321% | 1,243 |
| Net loans and leases to deposits | 98.6199% | 1,043 |
| Net loans and leases to core deposits | 139.9944% | 815 |
| Total domestic deposits to total assets | 79.8339% | 5,718 |
| Equity capital to assets | 9.2855% | 4,713 |
| Core capital (leverage) ratio | 9.3688% | 3,874 |
| Tier 1 risk-based capital ratio | 12.0857% | 4,867 |
| Total risk-based capital ratio | 13.1762% | 4,960 |
| Memoranda: | ||
| Average total assets | $152,763,400 | 3,913 |
| Average earning assets | $145,023,800 | 3,792 |
| Average equity | $14,647,200 | 4,122 |
| Average total loans | $118,817,400 | 3,505 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0424% | 1,872 |
| Cost of funding earning assets | 2.1014% | 2,886 |
| Net interest margin | 3.9410% | 3,080 |
| Noninterest income to average assets | 0.6370% | 3,447 |
| Noninterest expense to average assets | 3.2501% | 3,126 |
| Loan and lease loss provision to assets | 0.1544% | 5,808 |
| Net operating income to assets | 0.9784% | 2,137 |
| Return on assets (ROA) | 1.1257% | 1,724 |
| Pretax return on assets | 1.1257% | 2,487 |
| Return on Equity (ROE) | 11.6437% | 1,456 |
| Retained earnings to average equity (ytd only) | 4.8454% | 2,585 |
| Net charge-offs to loans | 0.0879% | 5,810 |
| Credit loss provision to net charge-offs | 227.2727% | 1,919 |
| Earnings coverage of net charge-offs (x) | 16.6760% | 1,457 |
| Efficiency ratio | 74.1546% | 3,839 |
| Assets per employee ($millions) | 3.6498% | 4,542 |
| Cash dividends to net income (ytd only)* | 58.3857% | 1,670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1182% | 5,608 |
| Loan loss allowance to noncurrent loans | 326.5060% | 936 |
| Noncurrent assets plus other real estate owned to assets | 0.4307% | 6,376 |
| Noncurrent loans to loans | 0.3425% | 6,672 |
| Net loans and leases to total assets | 76.3511% | 1,924 |
| Net loans and leases to deposits | 94.7496% | 1,756 |
| Net loans and leases to core deposits | 134.5313% | 1,177 |
| Total domestic deposits to total assets | 80.5820% | 5,222 |
| Equity capital to assets | 9.5245% | 4,711 |
| Core capital (leverage) ratio | 9.6966% | 3,647 |
| Tier 1 risk-based capital ratio | 12.6304% | 4,455 |
| Total risk-based capital ratio | 13.7889% | 4,463 |
| Memoranda: | ||
| Average total assets | $151,131,250 | 3,963 |
| Average earning assets | $143,647,000 | 3,847 |
| Average equity | $14,611,250 | 4,165 |
| Average total loans | $116,836,500 | 3,575 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0736% | 1,887 |
| Cost of funding earning assets | 2.1709% | 2,930 |
| Net interest margin | 3.9027% | 3,102 |
| Noninterest income to average assets | 0.6220% | 3,526 |
| Noninterest expense to average assets | 3.3084% | 2,921 |
| Loan and lease loss provision to assets | 0.2011% | 5,047 |
| Net operating income to assets | 0.8191% | 2,783 |
| Return on assets (ROA) | 1.0429% | 2,038 |
| Pretax return on assets | 1.0429% | 2,834 |
| Return on Equity (ROE) | 10.7318% | 1,777 |
| Retained earnings to average equity (ytd only) | 1.4208% | 4,537 |
| Net charge-offs to loans | 0.1421% | 4,748 |
| Credit loss provision to net charge-offs | 182.9268% | 2,511 |
| Earnings coverage of net charge-offs (x) | 9.2805% | 2,152 |
| Efficiency ratio | 76.4323% | 3,611 |
| Assets per employee ($millions) | 3.3056% | 5,304 |
| Cash dividends to net income (ytd only)* | 86.7609% | 955 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1349% | 5,364 |
| Loan loss allowance to noncurrent loans | 293.7916% | 1,067 |
| Noncurrent assets plus other real estate owned to assets | 0.4854% | 6,219 |
| Noncurrent loans to loans | 0.3863% | 6,545 |
| Net loans and leases to total assets | 77.5984% | 1,841 |
| Net loans and leases to deposits | 98.7890% | 1,426 |
| Net loans and leases to core deposits | 142.3902% | 921 |
| Total domestic deposits to total assets | 78.5497% | 5,940 |
| Equity capital to assets | 9.6496% | 4,427 |
| Core capital (leverage) ratio | 9.4766% | 3,928 |
| Tier 1 risk-based capital ratio | 12.7608% | 4,312 |
| Total risk-based capital ratio | 13.9394% | 4,281 |
| Memoranda: | ||
| Average total assets | $149,194,330 | 4,009 |
| Average earning assets | $141,695,330 | 3,911 |
| Average equity | $14,499,000 | 4,200 |
| Average total loans | $115,388,000 | 3,639 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0721% | 2,064 |
| Cost of funding earning assets | 2.1873% | 3,232 |
| Net interest margin | 3.8848% | 3,112 |
| Noninterest income to average assets | 0.5890% | 3,635 |
| Noninterest expense to average assets | 3.2259% | 2,877 |
| Loan and lease loss provision to assets | 0.1339% | 5,247 |
| Net operating income to assets | 0.9236% | 2,600 |
| Return on assets (ROA) | 0.9236% | 2,738 |
| Pretax return on assets | 0.9236% | 3,626 |
| Return on Equity (ROE) | 9.4705% | 2,542 |
| Retained earnings to average equity (ytd only) | 5.2431% | 2,995 |
| Net charge-offs to loans | 0.1709% | 3,608 |
| Credit loss provision to net charge-offs | 102.0408% | 3,671 |
| Earnings coverage of net charge-offs (x) | 8.0612% | 2,246 |
| Efficiency ratio | 75.3125% | 3,601 |
| Assets per employee ($millions) | 3.4809% | 4,865 |
| Cash dividends to net income (ytd only)* | 44.6377% | 1,935 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0855% | 5,574 |
| Loan loss allowance to noncurrent loans | 524.1667% | 665 |
| Noncurrent assets plus other real estate owned to assets | 0.3741% | 6,387 |
| Noncurrent loans to loans | 0.2071% | 6,938 |
| Net loans and leases to total assets | 78.4068% | 1,717 |
| Net loans and leases to deposits | 93.1202% | 2,412 |
| Net loans and leases to core deposits | 132.0409% | 1,540 |
| Total domestic deposits to total assets | 84.1996% | 3,603 |
| Equity capital to assets | 10.0384% | 3,961 |
| Core capital (leverage) ratio | 9.7368% | 3,701 |
| Tier 1 risk-based capital ratio | 12.8960% | 4,253 |
| Total risk-based capital ratio | 14.0201% | 4,255 |
| Memoranda: | ||
| Average total assets | $149,415,000 | 4,022 |
| Average earning assets | $142,091,500 | 3,913 |
| Average equity | $14,571,500 | 4,211 |
| Average total loans | $114,704,500 | 3,679 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7389% | 1,905 |
| Cost of funding earning assets | 2.6299% | 3,530 |
| Net interest margin | 4.1090% | 2,673 |
| Noninterest income to average assets | 0.6250% | 3,674 |
| Noninterest expense to average assets | 3.1971% | 3,348 |
| Loan and lease loss provision to assets | 0.0428% | 6,877 |
| Net operating income to assets | 1.2668% | 1,578 |
| Return on assets (ROA) | 1.2668% | 1,527 |
| Pretax return on assets | 1.2668% | 2,418 |
| Return on Equity (ROE) | 13.0718% | 1,310 |
| Retained earnings to average equity (ytd only) | 8.6566% | 667 |
| Net charge-offs to loans | 0.2288% | 3,952 |
| Credit loss provision to net charge-offs | 24.4980% | 6,563 |
| Earnings coverage of net charge-offs (x) | 7.4980% | 3,099 |
| Efficiency ratio | 70.9416% | 4,148 |
| Assets per employee ($millions) | 3.4689% | 4,754 |
| Cash dividends to net income (ytd only)* | 33.7763% | 3,958 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1073% | 5,222 |
| Loan loss allowance to noncurrent loans | 245.5078% | 1,608 |
| Noncurrent assets plus other real estate owned to assets | 0.5255% | 5,604 |
| Noncurrent loans to loans | 0.4510% | 5,996 |
| Net loans and leases to total assets | 73.5526% | 3,217 |
| Net loans and leases to deposits | 86.6388% | 4,013 |
| Net loans and leases to core deposits | 119.4921% | 2,743 |
| Total domestic deposits to total assets | 84.8956% | 2,887 |
| Equity capital to assets | 9.4784% | 4,720 |
| Core capital (leverage) ratio | 9.1442% | 4,535 |
| Tier 1 risk-based capital ratio | 12.7819% | 4,239 |
| Total risk-based capital ratio | 13.9101% | 4,234 |
| Memoranda: | ||
| Average total assets | $142,567,200 | 4,033 |
| Average earning assets | $134,679,800 | 3,960 |
| Average equity | $13,816,000 | 4,382 |
| Average total loans | $108,830,600 | 3,709 |