Home > Virginia Commerce Bank > Performance and Condition Ratios
Virginia Commerce Bank, 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 | 4.5537% | 2,020 |
| Cost of funding earning assets | 0.6312% | 2,375 |
| Net interest margin | 3.9224% | 2,209 |
| Noninterest income to average assets | 0.2922% | 5,260 |
| Noninterest expense to average assets | 1.9939% | 6,036 |
| Loan and lease loss provision to assets | 0.2686% | 1,313 |
| Net operating income to assets | 1.1857% | 1,619 |
| Return on assets (ROA) | 1.1857% | 1,688 |
| Pretax return on assets | 1.7523% | 847 |
| Return on Equity (ROE) | 10.8746% | 1,806 |
| Retained earnings to average equity (ytd only) | 10.8746% | 432 |
| Net charge-offs to loans | 0.5331% | 1,244 |
| Credit loss provision to net charge-offs | 66.2508% | 3,397 |
| Earnings coverage of net charge-offs (x) | 4.9839% | 3,410 |
| Efficiency ratio | 49.6632% | 6,411 |
| Assets per employee ($millions) | 10.5088% | 200 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8827% | 1,822 |
| Loan loss allowance to noncurrent loans | 120.0308% | 3,160 |
| Noncurrent assets plus other real estate owned to assets | 1.4905% | 2,494 |
| Noncurrent loans to loans | 1.5685% | 2,546 |
| Net loans and leases to total assets | 73.9734% | 1,352 |
| Net loans and leases to deposits | 97.3136% | 637 |
| Net loans and leases to core deposits | 103.1753% | 962 |
| Total domestic deposits to total assets | 76.0155% | 6,092 |
| Equity capital to assets | 11.0180% | 2,597 |
| Core capital (leverage) ratio | 11.5530% | 1,922 |
| Tier 1 risk-based capital ratio | 14.4526% | 3,983 |
| Total risk-based capital ratio | 15.7094% | 3,921 |
| Memoranda: | ||
| Average total assets | $2,806,756,400 | 269 |
| Average earning assets | $2,663,746,600 | 256 |
| Average equity | $306,024,200 | 272 |
| Average total loans | $2,134,711,200 | 245 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6069% | 1,880 |
| Cost of funding earning assets | 0.6406% | 2,449 |
| Net interest margin | 3.9662% | 2,056 |
| Noninterest income to average assets | 0.3106% | 5,219 |
| Noninterest expense to average assets | 2.0590% | 5,909 |
| Loan and lease loss provision to assets | 0.2931% | 1,170 |
| Net operating income to assets | 1.1673% | 1,748 |
| Return on assets (ROA) | 1.1673% | 1,823 |
| Pretax return on assets | 1.7230% | 1,051 |
| Return on Equity (ROE) | 10.7335% | 1,913 |
| Retained earnings to average equity (ytd only) | 10.7335% | 632 |
| Net charge-offs to loans | 0.5001% | 1,287 |
| Credit loss provision to net charge-offs | 76.9021% | 2,919 |
| Earnings coverage of net charge-offs (x) | 5.2891% | 3,230 |
| Efficiency ratio | 50.5262% | 6,366 |
| Assets per employee ($millions) | 10.2384% | 220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9851% | 1,757 |
| Loan loss allowance to noncurrent loans | 137.5231% | 2,714 |
| Noncurrent assets plus other real estate owned to assets | 1.4404% | 2,793 |
| Noncurrent loans to loans | 1.4435% | 2,996 |
| Net loans and leases to total assets | 73.3387% | 1,389 |
| Net loans and leases to deposits | 95.7488% | 710 |
| Net loans and leases to core deposits | 101.0265% | 1,052 |
| Total domestic deposits to total assets | 76.5949% | 6,101 |
| Equity capital to assets | 11.4322% | 2,352 |
| Core capital (leverage) ratio | 11.7991% | 1,817 |
| Tier 1 risk-based capital ratio | 14.9282% | 3,802 |
| Total risk-based capital ratio | 16.1859% | 3,744 |
| Memoranda: | ||
| Average total assets | $2,822,748,000 | 267 |
| Average earning assets | $2,679,141,500 | 252 |
| Average equity | $306,980,000 | 267 |
| Average total loans | $2,151,422,250 | 236 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6063% | 1,835 |
| Cost of funding earning assets | 0.6468% | 2,524 |
| Net interest margin | 3.9595% | 2,009 |
| Noninterest income to average assets | 0.3341% | 5,020 |
| Noninterest expense to average assets | 2.1150% | 5,841 |
| Loan and lease loss provision to assets | 0.3073% | 1,159 |
| Net operating income to assets | 1.1339% | 1,799 |
| Return on assets (ROA) | 1.1339% | 1,912 |
| Pretax return on assets | 1.6714% | 1,183 |
| Return on Equity (ROE) | 10.6015% | 1,964 |
| Retained earnings to average equity (ytd only) | 10.6015% | 722 |
| Net charge-offs to loans | 0.5514% | 1,197 |
| Credit loss provision to net charge-offs | 72.7016% | 2,770 |
| Earnings coverage of net charge-offs (x) | 4.6806% | 3,069 |
| Efficiency ratio | 51.6645% | 6,301 |
| Assets per employee ($millions) | 9.7390% | 238 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9181% | 2,066 |
| Loan loss allowance to noncurrent loans | 115.3098% | 3,110 |
| Noncurrent assets plus other real estate owned to assets | 1.6570% | 2,622 |
| Noncurrent loans to loans | 1.6634% | 2,819 |
| Net loans and leases to total assets | 74.2134% | 1,220 |
| Net loans and leases to deposits | 95.9193% | 680 |
| Net loans and leases to core deposits | 101.7678% | 958 |
| Total domestic deposits to total assets | 77.3707% | 6,076 |
| Equity capital to assets | 10.8253% | 2,922 |
| Core capital (leverage) ratio | 11.0270% | 2,330 |
| Tier 1 risk-based capital ratio | 13.8484% | 4,528 |
| Total risk-based capital ratio | 15.1054% | 4,493 |
| Memoranda: | ||
| Average total assets | $2,845,620,670 | 264 |
| Average earning assets | $2,702,019,670 | 248 |
| Average equity | $304,353,670 | 272 |
| Average total loans | $2,181,645,670 | 234 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6091% | 1,803 |
| Cost of funding earning assets | 0.6578% | 2,586 |
| Net interest margin | 3.9513% | 1,942 |
| Noninterest income to average assets | 0.3587% | 4,799 |
| Noninterest expense to average assets | 2.3233% | 5,357 |
| Loan and lease loss provision to assets | 0.2591% | 1,376 |
| Net operating income to assets | 1.0409% | 2,069 |
| Return on assets (ROA) | 1.0409% | 2,178 |
| Pretax return on assets | 1.5286% | 1,493 |
| Return on Equity (ROE) | 9.7911% | 2,141 |
| Retained earnings to average equity (ytd only) | 9.7911% | 1,158 |
| Net charge-offs to loans | 0.4818% | 1,243 |
| Credit loss provision to net charge-offs | 69.6981% | 2,297 |
| Earnings coverage of net charge-offs (x) | 4.8091% | 2,470 |
| Efficiency ratio | 56.5140% | 6,012 |
| Assets per employee ($millions) | 8.7045% | 358 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9080% | 2,283 |
| Loan loss allowance to noncurrent loans | 118.4288% | 2,913 |
| Noncurrent assets plus other real estate owned to assets | 1.5619% | 2,921 |
| Noncurrent loans to loans | 1.6111% | 3,123 |
| Net loans and leases to total assets | 74.8910% | 975 |
| Net loans and leases to deposits | 98.1157% | 436 |
| Net loans and leases to core deposits | 104.5568% | 692 |
| Total domestic deposits to total assets | 76.3293% | 6,327 |
| Equity capital to assets | 10.6342% | 3,396 |
| Core capital (leverage) ratio | 10.6897% | 2,558 |
| Tier 1 risk-based capital ratio | 13.1623% | 5,094 |
| Total risk-based capital ratio | 14.4193% | 5,044 |
| Memoranda: | ||
| Average total assets | $2,851,409,500 | 266 |
| Average earning assets | $2,707,887,000 | 250 |
| Average equity | $303,133,500 | 279 |
| Average total loans | $2,200,283,500 | 235 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7100% | 2,554 |
| Cost of funding earning assets | 0.7925% | 2,726 |
| Net interest margin | 3.9176% | 2,754 |
| Noninterest income to average assets | 0.3409% | 5,021 |
| Noninterest expense to average assets | 2.1301% | 6,065 |
| Loan and lease loss provision to assets | 0.5033% | 1,179 |
| Net operating income to assets | 0.9811% | 2,421 |
| Return on assets (ROA) | 1.1501% | 1,935 |
| Pretax return on assets | 1.7135% | 1,101 |
| Return on Equity (ROE) | 9.9238% | 2,200 |
| Retained earnings to average equity (ytd only) | -10.9506% | 6,670 |
| Net charge-offs to loans | 0.9537% | 1,161 |
| Credit loss provision to net charge-offs | 71.3406% | 4,119 |
| Earnings coverage of net charge-offs (x) | 2.7845% | 4,036 |
| Efficiency ratio | 52.0210% | 6,462 |
| Assets per employee ($millions) | 8.5504% | 396 |
| Cash dividends to net income (ytd only)* | 210.3469% | 116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9435% | 2,163 |
| Loan loss allowance to noncurrent loans | 112.7712% | 3,038 |
| Noncurrent assets plus other real estate owned to assets | 1.7802% | 2,737 |
| Noncurrent loans to loans | 1.7234% | 3,025 |
| Net loans and leases to total assets | 76.4832% | 858 |
| Net loans and leases to deposits | 95.6805% | 639 |
| Net loans and leases to core deposits | 101.7643% | 903 |
| Total domestic deposits to total assets | 79.9360% | 5,686 |
| Equity capital to assets | 10.6278% | 3,368 |
| Core capital (leverage) ratio | 10.0347% | 3,354 |
| Tier 1 risk-based capital ratio | 12.8195% | 5,239 |
| Total risk-based capital ratio | 14.0768% | 5,171 |
| Memoranda: | ||
| Average total assets | $2,945,516,400 | 250 |
| Average earning assets | $2,822,450,200 | 237 |
| Average equity | $341,352,000 | 253 |
| Average total loans | $2,179,124,800 | 222 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6846% | 2,863 |
| Cost of funding earning assets | 0.8163% | 2,810 |
| Net interest margin | 3.8682% | 3,035 |
| Noninterest income to average assets | 0.3189% | 5,235 |
| Noninterest expense to average assets | 2.0739% | 6,216 |
| Loan and lease loss provision to assets | 0.5495% | 1,060 |
| Net operating income to assets | 0.9476% | 2,758 |
| Return on assets (ROA) | 1.1269% | 2,196 |
| Pretax return on assets | 1.6810% | 1,325 |
| Return on Equity (ROE) | 9.5369% | 2,573 |
| Retained earnings to average equity (ytd only) | 9.5369% | 1,050 |
| Net charge-offs to loans | 1.2088% | 804 |
| Credit loss provision to net charge-offs | 62.2438% | 4,095 |
| Earnings coverage of net charge-offs (x) | 2.2234% | 4,150 |
| Efficiency ratio | 51.3760% | 6,501 |
| Assets per employee ($millions) | 9.2386% | 302 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9086% | 2,442 |
| Loan loss allowance to noncurrent loans | 90.8427% | 3,515 |
| Noncurrent assets plus other real estate owned to assets | 1.9830% | 2,669 |
| Noncurrent loans to loans | 2.1010% | 2,737 |
| Net loans and leases to total assets | 70.6706% | 1,788 |
| Net loans and leases to deposits | 95.4107% | 697 |
| Net loans and leases to core deposits | 101.7514% | 999 |
| Total domestic deposits to total assets | 74.0699% | 6,598 |
| Equity capital to assets | 12.1544% | 2,147 |
| Core capital (leverage) ratio | 12.0019% | 1,655 |
| Tier 1 risk-based capital ratio | 15.8077% | 3,369 |
| Total risk-based capital ratio | 17.0647% | 3,333 |
| Memoranda: | ||
| Average total assets | $2,976,490,250 | 245 |
| Average earning assets | $2,860,702,750 | 231 |
| Average equity | $351,721,250 | 248 |
| Average total loans | $2,173,696,250 | 226 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7444% | 2,740 |
| Cost of funding earning assets | 0.8413% | 2,869 |
| Net interest margin | 3.9032% | 2,891 |
| Noninterest income to average assets | 0.2999% | 5,408 |
| Noninterest expense to average assets | 2.1155% | 6,205 |
| Loan and lease loss provision to assets | 0.6170% | 945 |
| Net operating income to assets | 0.8855% | 2,976 |
| Return on assets (ROA) | 1.0625% | 2,421 |
| Pretax return on assets | 1.5820% | 1,596 |
| Return on Equity (ROE) | 9.0788% | 2,784 |
| Retained earnings to average equity (ytd only) | 9.0788% | 1,247 |
| Net charge-offs to loans | 1.0337% | 1,063 |
| Credit loss provision to net charge-offs | 81.3650% | 3,281 |
| Earnings coverage of net charge-offs (x) | 2.5514% | 3,735 |
| Efficiency ratio | 52.2303% | 6,482 |
| Assets per employee ($millions) | 9.4221% | 280 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1283% | 1,929 |
| Loan loss allowance to noncurrent loans | 100.4913% | 3,184 |
| Noncurrent assets plus other real estate owned to assets | 2.0040% | 2,773 |
| Noncurrent loans to loans | 2.1179% | 2,802 |
| Net loans and leases to total assets | 71.1234% | 1,717 |
| Net loans and leases to deposits | 94.6989% | 717 |
| Net loans and leases to core deposits | 101.4383% | 1,008 |
| Total domestic deposits to total assets | 75.1048% | 6,577 |
| Equity capital to assets | 11.7779% | 2,339 |
| Core capital (leverage) ratio | 11.9085% | 1,649 |
| Tier 1 risk-based capital ratio | 15.1985% | 3,632 |
| Total risk-based capital ratio | 16.4581% | 3,590 |
| Memoranda: | ||
| Average total assets | $2,967,805,330 | 247 |
| Average earning assets | $2,851,688,330 | 234 |
| Average equity | $347,315,000 | 247 |
| Average total loans | $2,177,193,000 | 227 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8097% | 2,600 |
| Cost of funding earning assets | 0.8837% | 2,808 |
| Net interest margin | 3.9259% | 2,819 |
| Noninterest income to average assets | 0.3202% | 5,316 |
| Noninterest expense to average assets | 2.2073% | 6,025 |
| Loan and lease loss provision to assets | 0.8144% | 597 |
| Net operating income to assets | 0.7213% | 3,774 |
| Return on assets (ROA) | 0.9608% | 2,836 |
| Pretax return on assets | 1.4218% | 2,114 |
| Return on Equity (ROE) | 8.2372% | 3,177 |
| Retained earnings to average equity (ytd only) | 8.2372% | 1,884 |
| Net charge-offs to loans | 1.7237% | 558 |
| Credit loss provision to net charge-offs | 64.0932% | 3,033 |
| Earnings coverage of net charge-offs (x) | 1.4828% | 3,582 |
| Efficiency ratio | 53.9517% | 6,356 |
| Assets per employee ($millions) | 9.3418% | 290 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1073% | 2,085 |
| Loan loss allowance to noncurrent loans | 97.3668% | 3,133 |
| Noncurrent assets plus other real estate owned to assets | 2.0164% | 2,873 |
| Noncurrent loans to loans | 2.1643% | 2,954 |
| Net loans and leases to total assets | 71.3968% | 1,503 |
| Net loans and leases to deposits | 93.5920% | 693 |
| Net loans and leases to core deposits | 100.9360% | 930 |
| Total domestic deposits to total assets | 76.2851% | 6,512 |
| Equity capital to assets | 11.7465% | 2,222 |
| Core capital (leverage) ratio | 11.6995% | 1,770 |
| Tier 1 risk-based capital ratio | 14.9338% | 3,797 |
| Total risk-based capital ratio | 16.1929% | 3,754 |
| Memoranda: | ||
| Average total assets | $2,944,171,500 | 247 |
| Average earning assets | $2,828,064,000 | 232 |
| Average equity | $343,417,000 | 244 |
| Average total loans | $2,170,262,000 | 224 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2268% | 1,956 |
| Cost of funding earning assets | 1.1449% | 2,381 |
| Net interest margin | 4.0819% | 2,513 |
| Noninterest income to average assets | 0.2950% | 5,419 |
| Noninterest expense to average assets | 2.0500% | 6,583 |
| Loan and lease loss provision to assets | 0.5231% | 2,006 |
| Net operating income to assets | 1.0974% | 1,844 |
| Return on assets (ROA) | 1.0919% | 1,979 |
| Pretax return on assets | 1.6163% | 1,167 |
| Return on Equity (ROE) | 9.6471% | 2,188 |
| Retained earnings to average equity (ytd only) | 9.6471% | 641 |
| Net charge-offs to loans | 1.3087% | 1,261 |
| Credit loss provision to net charge-offs | 51.9887% | 5,380 |
| Earnings coverage of net charge-offs (x) | 2.1342% | 4,185 |
| Efficiency ratio | 48.8388% | 6,898 |
| Assets per employee ($millions) | 9.3812% | 290 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2276% | 1,750 |
| Loan loss allowance to noncurrent loans | 125.3705% | 2,502 |
| Noncurrent assets plus other real estate owned to assets | 1.6276% | 3,518 |
| Noncurrent loans to loans | 1.7768% | 3,499 |
| Net loans and leases to total assets | 72.8386% | 1,485 |
| Net loans and leases to deposits | 92.9790% | 886 |
| Net loans and leases to core deposits | 101.6214% | 1,057 |
| Total domestic deposits to total assets | 78.3388% | 6,134 |
| Equity capital to assets | 11.5816% | 2,442 |
| Core capital (leverage) ratio | 11.3960% | 1,974 |
| Tier 1 risk-based capital ratio | 14.2128% | 4,166 |
| Total risk-based capital ratio | 15.4730% | 4,119 |
| Memoranda: | ||
| Average total assets | $2,838,578,400 | 253 |
| Average earning assets | $2,713,802,600 | 233 |
| Average equity | $321,279,400 | 250 |
| Average total loans | $2,182,551,000 | 221 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2888% | 1,905 |
| Cost of funding earning assets | 1.1834% | 2,425 |
| Net interest margin | 4.1054% | 2,451 |
| Noninterest income to average assets | 0.2796% | 5,612 |
| Noninterest expense to average assets | 2.0310% | 6,633 |
| Loan and lease loss provision to assets | 0.5311% | 1,860 |
| Net operating income to assets | 1.1078% | 1,938 |
| Return on assets (ROA) | 1.1004% | 2,113 |
| Pretax return on assets | 1.6255% | 1,318 |
| Return on Equity (ROE) | 9.7818% | 2,285 |
| Retained earnings to average equity (ytd only) | 9.7818% | 911 |
| Net charge-offs to loans | 1.4821% | 983 |
| Credit loss provision to net charge-offs | 46.2325% | 5,115 |
| Earnings coverage of net charge-offs (x) | 1.8867% | 4,249 |
| Efficiency ratio | 48.3750% | 6,937 |
| Assets per employee ($millions) | 9.2167% | 309 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2831% | 1,721 |
| Loan loss allowance to noncurrent loans | 108.5848% | 2,756 |
| Noncurrent assets plus other real estate owned to assets | 1.9005% | 3,267 |
| Noncurrent loans to loans | 2.1026% | 3,243 |
| Net loans and leases to total assets | 71.9189% | 1,727 |
| Net loans and leases to deposits | 88.9726% | 1,324 |
| Net loans and leases to core deposits | 97.0922% | 1,499 |
| Total domestic deposits to total assets | 80.8327% | 5,489 |
| Equity capital to assets | 11.3235% | 2,839 |
| Core capital (leverage) ratio | 11.4144% | 2,092 |
| Tier 1 risk-based capital ratio | 14.2932% | 4,133 |
| Total risk-based capital ratio | 15.5545% | 4,088 |
| Memoranda: | ||
| Average total assets | $2,814,142,500 | 251 |
| Average earning assets | $2,686,333,750 | 232 |
| Average equity | $316,580,750 | 252 |
| Average total loans | $2,181,312,500 | 222 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3884% | 1,599 |
| Cost of funding earning assets | 1.2208% | 2,435 |
| Net interest margin | 4.1676% | 2,165 |
| Noninterest income to average assets | 0.2858% | 5,594 |
| Noninterest expense to average assets | 2.0410% | 6,710 |
| Loan and lease loss provision to assets | 0.5250% | 1,867 |
| Net operating income to assets | 1.1487% | 1,723 |
| Return on assets (ROA) | 1.1375% | 1,833 |
| Pretax return on assets | 1.6737% | 1,103 |
| Return on Equity (ROE) | 10.1346% | 2,073 |
| Retained earnings to average equity (ytd only) | 10.1346% | 815 |
| Net charge-offs to loans | 1.5090% | 982 |
| Credit loss provision to net charge-offs | 44.0977% | 4,734 |
| Earnings coverage of net charge-offs (x) | 1.8607% | 3,936 |
| Efficiency ratio | 47.9532% | 7,064 |
| Assets per employee ($millions) | 9.1658% | 309 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4685% | 1,497 |
| Loan loss allowance to noncurrent loans | 88.6211% | 3,212 |
| Noncurrent assets plus other real estate owned to assets | 2.6735% | 2,498 |
| Noncurrent loans to loans | 2.7855% | 2,612 |
| Net loans and leases to total assets | 75.2123% | 1,203 |
| Net loans and leases to deposits | 93.0153% | 947 |
| Net loans and leases to core deposits | 101.5120% | 1,211 |
| Total domestic deposits to total assets | 80.8602% | 5,578 |
| Equity capital to assets | 11.5603% | 2,449 |
| Core capital (leverage) ratio | 11.4106% | 1,966 |
| Tier 1 risk-based capital ratio | 14.1479% | 4,063 |
| Total risk-based capital ratio | 15.4115% | 4,023 |
| Memoranda: | ||
| Average total assets | $2,772,148,670 | 260 |
| Average earning assets | $2,641,039,000 | 239 |
| Average equity | $311,132,330 | 258 |
| Average total loans | $2,187,113,000 | 223 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4113% | 1,520 |
| Cost of funding earning assets | 1.2528% | 2,486 |
| Net interest margin | 4.1585% | 2,043 |
| Noninterest income to average assets | 0.2469% | 5,922 |
| Noninterest expense to average assets | 2.0447% | 6,747 |
| Loan and lease loss provision to assets | 0.8467% | 976 |
| Net operating income to assets | 0.8946% | 2,592 |
| Return on assets (ROA) | 0.8720% | 2,752 |
| Pretax return on assets | 1.2773% | 2,108 |
| Return on Equity (ROE) | 7.8896% | 2,966 |
| Retained earnings to average equity (ytd only) | 7.8896% | 1,780 |
| Net charge-offs to loans | 2.1464% | 579 |
| Credit loss provision to net charge-offs | 49.4332% | 3,765 |
| Earnings coverage of net charge-offs (x) | 1.2595% | 3,728 |
| Efficiency ratio | 48.6620% | 7,089 |
| Assets per employee ($millions) | 9.2714% | 303 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5861% | 1,333 |
| Loan loss allowance to noncurrent loans | 103.3514% | 2,776 |
| Noncurrent assets plus other real estate owned to assets | 2.6430% | 2,604 |
| Noncurrent loans to loans | 2.5022% | 2,981 |
| Net loans and leases to total assets | 76.4700% | 968 |
| Net loans and leases to deposits | 93.9020% | 838 |
| Net loans and leases to core deposits | 102.1403% | 1,192 |
| Total domestic deposits to total assets | 81.4360% | 5,520 |
| Equity capital to assets | 11.0925% | 2,599 |
| Core capital (leverage) ratio | 11.1588% | 2,065 |
| Tier 1 risk-based capital ratio | 13.7347% | 4,249 |
| Total risk-based capital ratio | 15.0003% | 4,215 |
| Memoranda: | ||
| Average total assets | $2,760,436,000 | 263 |
| Average earning assets | $2,625,393,500 | 242 |
| Average equity | $305,109,500 | 258 |
| Average total loans | $2,202,753,000 | 222 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6446% | 1,760 |
| Cost of funding earning assets | 1.4621% | 2,881 |
| Net interest margin | 4.1825% | 2,253 |
| Noninterest income to average assets | 0.1869% | 6,419 |
| Noninterest expense to average assets | 1.9871% | 7,044 |
| Loan and lease loss provision to assets | 0.7393% | 2,219 |
| Net operating income to assets | 0.9771% | 2,118 |
| Return on assets (ROA) | 0.9398% | 2,367 |
| Pretax return on assets | 1.3652% | 1,749 |
| Return on Equity (ROE) | 8.9474% | 2,316 |
| Retained earnings to average equity (ytd only) | 7.8195% | 1,039 |
| Net charge-offs to loans | 1.0323% | 2,137 |
| Credit loss provision to net charge-offs | 88.3711% | 5,193 |
| Earnings coverage of net charge-offs (x) | 2.5802% | 3,815 |
| Efficiency ratio | 47.9308% | 7,268 |
| Assets per employee ($millions) | 9.1620% | 316 |
| Cash dividends to net income (ytd only)* | 12.6065% | 3,678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8101% | 1,042 |
| Loan loss allowance to noncurrent loans | 108.7840% | 2,663 |
| Noncurrent assets plus other real estate owned to assets | 2.7219% | 2,562 |
| Noncurrent loans to loans | 2.5832% | 2,949 |
| Net loans and leases to total assets | 78.8350% | 829 |
| Net loans and leases to deposits | 95.7832% | 888 |
| Net loans and leases to core deposits | 104.6097% | 1,275 |
| Total domestic deposits to total assets | 82.3057% | 5,090 |
| Equity capital to assets | 11.0128% | 2,672 |
| Core capital (leverage) ratio | 10.7589% | 2,340 |
| Tier 1 risk-based capital ratio | 13.0505% | 4,562 |
| Total risk-based capital ratio | 14.3183% | 4,506 |
| Memoranda: | ||
| Average total assets | $2,785,456,200 | 254 |
| Average earning assets | $2,636,607,400 | 242 |
| Average equity | $292,564,400 | 260 |
| Average total loans | $2,257,444,200 | 218 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6295% | 1,950 |
| Cost of funding earning assets | 1.5016% | 2,973 |
| Net interest margin | 4.1279% | 2,497 |
| Noninterest income to average assets | 0.1663% | 6,677 |
| Noninterest expense to average assets | 1.9549% | 7,127 |
| Loan and lease loss provision to assets | 0.6454% | 2,369 |
| Net operating income to assets | 1.0148% | 2,186 |
| Return on assets (ROA) | 0.9695% | 2,457 |
| Pretax return on assets | 1.4054% | 1,864 |
| Return on Equity (ROE) | 9.3410% | 2,372 |
| Retained earnings to average equity (ytd only) | 7.8253% | 1,481 |
| Net charge-offs to loans | 0.9363% | 2,118 |
| Credit loss provision to net charge-offs | 85.0697% | 4,962 |
| Earnings coverage of net charge-offs (x) | 2.7900% | 3,746 |
| Efficiency ratio | 48.0148% | 7,270 |
| Assets per employee ($millions) | 9.3534% | 308 |
| Cash dividends to net income (ytd only)* | 16.2266% | 3,115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7839% | 1,014 |
| Loan loss allowance to noncurrent loans | 108.2401% | 2,590 |
| Noncurrent assets plus other real estate owned to assets | 2.8976% | 2,504 |
| Noncurrent loans to loans | 2.5719% | 3,056 |
| Net loans and leases to total assets | 77.0973% | 1,203 |
| Net loans and leases to deposits | 93.9583% | 1,205 |
| Net loans and leases to core deposits | 104.5428% | 1,439 |
| Total domestic deposits to total assets | 82.0548% | 4,967 |
| Equity capital to assets | 10.5982% | 3,410 |
| Core capital (leverage) ratio | 10.5205% | 2,669 |
| Tier 1 risk-based capital ratio | 12.7322% | 4,792 |
| Total risk-based capital ratio | 13.9999% | 4,754 |
| Memoranda: | ||
| Average total assets | $2,796,959,750 | 254 |
| Average earning assets | $2,646,006,500 | 238 |
| Average equity | $290,283,250 | 259 |
| Average total loans | $2,266,284,750 | 215 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6239% | 2,049 |
| Cost of funding earning assets | 1.5521% | 2,947 |
| Net interest margin | 4.0718% | 2,695 |
| Noninterest income to average assets | 0.0789% | 7,192 |
| Noninterest expense to average assets | 1.9206% | 7,228 |
| Loan and lease loss provision to assets | 0.6067% | 2,366 |
| Net operating income to assets | 0.9522% | 2,357 |
| Return on assets (ROA) | 0.8847% | 2,728 |
| Pretax return on assets | 1.2990% | 2,089 |
| Return on Equity (ROE) | 8.5864% | 2,626 |
| Retained earnings to average equity (ytd only) | 7.1209% | 1,785 |
| Net charge-offs to loans | 0.9908% | 1,868 |
| Credit loss provision to net charge-offs | 75.0311% | 4,836 |
| Earnings coverage of net charge-offs (x) | 2.4794% | 3,755 |
| Efficiency ratio | 48.9257% | 7,295 |
| Assets per employee ($millions) | 10.1236% | 246 |
| Cash dividends to net income (ytd only)* | 17.0676% | 2,984 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7588% | 1,034 |
| Loan loss allowance to noncurrent loans | 95.7063% | 2,871 |
| Noncurrent assets plus other real estate owned to assets | 3.2437% | 2,172 |
| Noncurrent loans to loans | 2.8825% | 2,772 |
| Net loans and leases to total assets | 77.8027% | 1,144 |
| Net loans and leases to deposits | 94.9269% | 1,160 |
| Net loans and leases to core deposits | 108.1945% | 1,286 |
| Total domestic deposits to total assets | 81.9606% | 5,000 |
| Equity capital to assets | 10.3907% | 3,536 |
| Core capital (leverage) ratio | 10.3639% | 2,754 |
| Tier 1 risk-based capital ratio | 12.2598% | 5,070 |
| Total risk-based capital ratio | 13.5269% | 5,028 |
| Memoranda: | ||
| Average total assets | $2,781,469,330 | 255 |
| Average earning assets | $2,627,642,330 | 244 |
| Average equity | $286,593,330 | 262 |
| Average total loans | $2,270,051,330 | 218 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6348% | 2,008 |
| Cost of funding earning assets | 1.6390% | 2,717 |
| Net interest margin | 3.9958% | 2,886 |
| Noninterest income to average assets | 0.0783% | 7,310 |
| Noninterest expense to average assets | 1.9500% | 7,252 |
| Loan and lease loss provision to assets | 0.6142% | 2,070 |
| Net operating income to assets | 0.8895% | 2,597 |
| Return on assets (ROA) | 0.8044% | 3,040 |
| Pretax return on assets | 1.1652% | 2,491 |
| Return on Equity (ROE) | 7.8405% | 2,964 |
| Retained earnings to average equity (ytd only) | 4.8738% | 3,223 |
| Net charge-offs to loans | 1.2277% | 1,387 |
| Credit loss provision to net charge-offs | 60.6902% | 4,282 |
| Earnings coverage of net charge-offs (x) | 1.8801% | 3,603 |
| Efficiency ratio | 50.6132% | 7,271 |
| Assets per employee ($millions) | 9.7181% | 292 |
| Cash dividends to net income (ytd only)* | 37.8378% | 1,821 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7509% | 1,035 |
| Loan loss allowance to noncurrent loans | 75.5990% | 3,596 |
| Noncurrent assets plus other real estate owned to assets | 3.8880% | 1,776 |
| Noncurrent loans to loans | 3.6389% | 2,186 |
| Net loans and leases to total assets | 78.8250% | 1,004 |
| Net loans and leases to deposits | 95.9009% | 1,118 |
| Net loans and leases to core deposits | 115.1620% | 990 |
| Total domestic deposits to total assets | 82.1942% | 4,984 |
| Equity capital to assets | 10.2023% | 3,605 |
| Core capital (leverage) ratio | 10.2877% | 2,827 |
| Tier 1 risk-based capital ratio | 11.9706% | 5,225 |
| Total risk-based capital ratio | 13.2377% | 5,171 |
| Memoranda: | ||
| Average total assets | $2,759,956,000 | 267 |
| Average earning assets | $2,607,153,000 | 254 |
| Average equity | $283,147,000 | 269 |
| Average total loans | $2,275,138,000 | 225 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8028% | 2,641 |
| Cost of funding earning assets | 2.0867% | 2,530 |
| Net interest margin | 3.7161% | 4,061 |
| Noninterest income to average assets | -0.1587% | 7,838 |
| Noninterest expense to average assets | 2.0375% | 7,303 |
| Loan and lease loss provision to assets | 3.0044% | 578 |
| Net operating income to assets | -1.0597% | 6,619 |
| Return on assets (ROA) | -1.0597% | 6,623 |
| Pretax return on assets | -1.6636% | 6,792 |
| Return on Equity (ROE) | -9.6712% | 6,597 |
| Retained earnings to average equity (ytd only) | -12.2152% | 6,700 |
| Net charge-offs to loans | 2.3383% | 990 |
| Credit loss provision to net charge-offs | 153.8677% | 2,970 |
| Earnings coverage of net charge-offs (x) | 0.6867% | 5,410 |
| Efficiency ratio | 60.3116% | 6,436 |
| Assets per employee ($millions) | 9.4156% | 315 |
| Cash dividends to net income (ytd only)* | -26.3049% | 7,727 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8554% | 875 |
| Loan loss allowance to noncurrent loans | 93.5621% | 2,992 |
| Noncurrent assets plus other real estate owned to assets | 3.6064% | 1,851 |
| Noncurrent loans to loans | 3.0519% | 2,525 |
| Net loans and leases to total assets | 81.4579% | 768 |
| Net loans and leases to deposits | 99.4196% | 953 |
| Net loans and leases to core deposits | 130.7457% | 1,241 |
| Total domestic deposits to total assets | 81.9335% | 4,980 |
| Equity capital to assets | 10.3176% | 3,386 |
| Core capital (leverage) ratio | 10.2334% | 2,844 |
| Tier 1 risk-based capital ratio | 11.5693% | 5,328 |
| Total risk-based capital ratio | 12.8371% | 5,268 |
| Memoranda: | ||
| Average total assets | $2,726,424,600 | 272 |
| Average earning assets | $2,594,987,000 | 260 |
| Average equity | $298,743,200 | 250 |
| Average total loans | $2,276,679,000 | 232 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7565% | 3,076 |
| Cost of funding earning assets | 2.1702% | 2,554 |
| Net interest margin | 3.5863% | 4,532 |
| Noninterest income to average assets | -0.1655% | 7,960 |
| Noninterest expense to average assets | 1.8849% | 7,564 |
| Loan and lease loss provision to assets | 3.9501% | 310 |
| Net operating income to assets | -1.6554% | 7,179 |
| Return on assets (ROA) | -1.6685% | 7,180 |
| Pretax return on assets | -2.5993% | 7,386 |
| Return on Equity (ROE) | -15.0086% | 7,190 |
| Retained earnings to average equity (ytd only) | -17.3829% | 7,247 |
| Net charge-offs to loans | 2.7642% | 643 |
| Credit loss provision to net charge-offs | 171.3083% | 2,716 |
| Earnings coverage of net charge-offs (x) | 0.5946% | 5,440 |
| Efficiency ratio | 57.8894% | 6,731 |
| Assets per employee ($millions) | 9.2557% | 343 |
| Cash dividends to net income (ytd only)* | -15.8195% | 7,818 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1489% | 591 |
| Loan loss allowance to noncurrent loans | 80.5001% | 3,399 |
| Noncurrent assets plus other real estate owned to assets | 4.5231% | 1,348 |
| Noncurrent loans to loans | 3.9116% | 1,882 |
| Net loans and leases to total assets | 78.9818% | 1,399 |
| Net loans and leases to deposits | 96.4854% | 1,511 |
| Net loans and leases to core deposits | 128.9568% | 1,503 |
| Total domestic deposits to total assets | 81.8588% | 4,736 |
| Equity capital to assets | 10.1955% | 3,854 |
| Core capital (leverage) ratio | 10.1666% | 3,097 |
| Tier 1 risk-based capital ratio | 11.5871% | 5,353 |
| Total risk-based capital ratio | 12.8485% | 5,280 |
| Memoranda: | ||
| Average total assets | $2,727,754,500 | 284 |
| Average earning assets | $2,602,424,250 | 269 |
| Average equity | $303,241,000 | 257 |
| Average total loans | $2,275,421,750 | 243 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7288% | 3,398 |
| Cost of funding earning assets | 2.2548% | 2,555 |
| Net interest margin | 3.4740% | 4,922 |
| Noninterest income to average assets | 0.2764% | 6,287 |
| Noninterest expense to average assets | 1.8985% | 7,624 |
| Loan and lease loss provision to assets | 2.3333% | 683 |
| Net operating income to assets | -0.3892% | 6,437 |
| Return on assets (ROA) | -0.3892% | 6,444 |
| Pretax return on assets | -0.6313% | 6,553 |
| Return on Equity (ROE) | -3.4064% | 6,410 |
| Retained earnings to average equity (ytd only) | -5.5892% | 6,393 |
| Net charge-offs to loans | 2.5580% | 669 |
| Credit loss provision to net charge-offs | 108.5397% | 4,260 |
| Earnings coverage of net charge-offs (x) | 0.7917% | 4,941 |
| Efficiency ratio | 52.7297% | 7,460 |
| Assets per employee ($millions) | 8.9280% | 361 |
| Cash dividends to net income (ytd only)* | -64.0784% | 8,033 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7172% | 2,282 |
| Loan loss allowance to noncurrent loans | 34.9993% | 6,107 |
| Noncurrent assets plus other real estate owned to assets | 5.1763% | 999 |
| Noncurrent loans to loans | 4.9064% | 1,267 |
| Net loans and leases to total assets | 82.7403% | 820 |
| Net loans and leases to deposits | 101.7860% | 1,091 |
| Net loans and leases to core deposits | 141.8910% | 935 |
| Total domestic deposits to total assets | 81.2885% | 4,964 |
| Equity capital to assets | 11.3348% | 2,646 |
| Core capital (leverage) ratio | 11.3476% | 2,173 |
| Tier 1 risk-based capital ratio | 12.7199% | 4,346 |
| Total risk-based capital ratio | 13.9734% | 4,256 |
| Memoranda: | ||
| Average total assets | $2,726,865,330 | 291 |
| Average earning assets | $2,609,199,000 | 275 |
| Average equity | $311,528,000 | 254 |
| Average total loans | $2,291,678,670 | 252 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7067% | 3,771 |
| Cost of funding earning assets | 2.3578% | 2,478 |
| Net interest margin | 3.3489% | 5,324 |
| Noninterest income to average assets | 0.2653% | 6,324 |
| Noninterest expense to average assets | 1.8483% | 7,636 |
| Loan and lease loss provision to assets | 1.9532% | 623 |
| Net operating income to assets | -0.1853% | 6,536 |
| Return on assets (ROA) | -0.1853% | 6,622 |
| Pretax return on assets | -0.3215% | 6,691 |
| Return on Equity (ROE) | -1.6153% | 6,621 |
| Retained earnings to average equity (ytd only) | -3.1416% | 6,301 |
| Net charge-offs to loans | 2.1491% | 668 |
| Credit loss provision to net charge-offs | 108.2370% | 3,545 |
| Earnings coverage of net charge-offs (x) | 0.9042% | 4,314 |
| Efficiency ratio | 53.1123% | 7,308 |
| Assets per employee ($millions) | 8.7679% | 386 |
| Cash dividends to net income (ytd only)* | -94.4882% | 8,174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6377% | 2,369 |
| Loan loss allowance to noncurrent loans | 25.0622% | 6,897 |
| Noncurrent assets plus other real estate owned to assets | 5.8491% | 701 |
| Noncurrent loans to loans | 6.5347% | 672 |
| Net loans and leases to total assets | 81.2768% | 1,139 |
| Net loans and leases to deposits | 100.5345% | 1,337 |
| Net loans and leases to core deposits | 146.1395% | 853 |
| Total domestic deposits to total assets | 80.8447% | 5,026 |
| Equity capital to assets | 11.2898% | 2,730 |
| Core capital (leverage) ratio | 11.4383% | 2,183 |
| Tier 1 risk-based capital ratio | 13.0732% | 4,140 |
| Total risk-based capital ratio | 14.3232% | 4,051 |
| Memoranda: | ||
| Average total assets | $2,742,172,000 | 288 |
| Average earning assets | $2,632,272,000 | 274 |
| Average equity | $314,484,500 | 255 |
| Average total loans | $2,302,586,000 | 251 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4920% | 2,998 |
| Cost of funding earning assets | 3.0532% | 1,670 |
| Net interest margin | 3.4388% | 5,510 |
| Noninterest income to average assets | 0.2499% | 6,662 |
| Noninterest expense to average assets | 1.6872% | 7,881 |
| Loan and lease loss provision to assets | 0.9863% | 1,492 |
| Net operating income to assets | 0.6001% | 4,302 |
| Return on assets (ROA) | 0.6001% | 4,169 |
| Pretax return on assets | 0.8798% | 3,801 |
| Return on Equity (ROE) | 7.2129% | 3,425 |
| Retained earnings to average equity (ytd only) | 7.2129% | 1,083 |
| Net charge-offs to loans | 0.5138% | 2,302 |
| Credit loss provision to net charge-offs | 227.3403% | 2,085 |
| Earnings coverage of net charge-offs (x) | 4.3014% | 4,037 |
| Efficiency ratio | 47.4839% | 7,845 |
| Assets per employee ($millions) | 8.6977% | 375 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5751% | 2,342 |
| Loan loss allowance to noncurrent loans | 31.0825% | 6,656 |
| Noncurrent assets plus other real estate owned to assets | 4.6032% | 804 |
| Noncurrent loans to loans | 5.0674% | 860 |
| Net loans and leases to total assets | 83.9928% | 889 |
| Net loans and leases to deposits | 104.9067% | 1,248 |
| Net loans and leases to core deposits | 140.2647% | 1,252 |
| Total domestic deposits to total assets | 80.0643% | 4,994 |
| Equity capital to assets | 11.6508% | 2,531 |
| Core capital (leverage) ratio | 11.8134% | 2,073 |
| Tier 1 risk-based capital ratio | 13.1638% | 4,017 |
| Total risk-based capital ratio | 14.4138% | 3,930 |
| Memoranda: | ||
| Average total assets | $2,573,156,400 | 291 |
| Average earning assets | $2,471,796,600 | 277 |
| Average equity | $214,074,600 | 353 |
| Average total loans | $2,172,593,200 | 258 |