Home > Whidbey Island Bank > Performance and Condition Ratios
Whidbey Island Bank, Performance and Condition Ratios
2014-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5732% | 1,577 |
Cost of funding earning assets | 0.2895% | 5,176 |
Net interest margin | 4.2836% | 1,030 |
Noninterest income to average assets | 1.0603% | 993 |
Noninterest expense to average assets | 3.8781% | 890 |
Loan and lease loss provision to assets | -0.5466% | 6,670 |
Net operating income to assets | 1.1162% | 1,749 |
Return on assets (ROA) | 1.1162% | 1,813 |
Pretax return on assets | 1.6594% | 1,050 |
Return on Equity (ROE) | 9.3091% | 2,328 |
Retained earnings to average equity (ytd only) | 9.3091% | 1,160 |
Net charge-offs to loans | 0.0011% | 3,651 |
Credit loss provision to net charge-offs | -76,666.6667% | 5,679 |
Earnings coverage of net charge-offs (x) | 1,561.0000% | 13 |
Efficiency ratio | 77.2747% | 2,597 |
Assets per employee ($millions) | 3.8287% | 4,269 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.7433% | 590 |
Loan loss allowance to noncurrent loans | 48.2384% | 5,256 |
Noncurrent assets plus other real estate owned to assets | 3.9469% | 612 |
Noncurrent loans to loans | 5.6869% | 344 |
Net loans and leases to total assets | 60.2218% | 3,530 |
Net loans and leases to deposits | 69.1644% | 3,716 |
Net loans and leases to core deposits | 70.5772% | 4,024 |
Total domestic deposits to total assets | 87.0704% | 2,762 |
Equity capital to assets | 12.1816% | 1,756 |
Core capital (leverage) ratio | 12.2487% | 1,510 |
Tier 1 risk-based capital ratio | 17.9037% | 2,338 |
Total risk-based capital ratio | 19.1693% | 2,311 |
Memoranda: | ||
Average total assets | $1,683,285,000 | 421 |
Average earning assets | $1,544,572,500 | 415 |
Average equity | $201,823,000 | 394 |
Average total loans | $1,043,583,000 | 439 |
2013-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0151% | 892 |
Cost of funding earning assets | 0.3285% | 5,338 |
Net interest margin | 4.6866% | 522 |
Noninterest income to average assets | 1.3367% | 778 |
Noninterest expense to average assets | 3.3343% | 2,041 |
Loan and lease loss provision to assets | 0.8810% | 224 |
Net operating income to assets | 0.9253% | 2,663 |
Return on assets (ROA) | 0.9481% | 2,647 |
Pretax return on assets | 1.4023% | 1,770 |
Return on Equity (ROE) | 7.8912% | 3,082 |
Retained earnings to average equity (ytd only) | 3.4509% | 3,777 |
Net charge-offs to loans | 0.1823% | 3,012 |
Credit loss provision to net charge-offs | 757.6464% | 324 |
Earnings coverage of net charge-offs (x) | 19.3484% | 1,609 |
Efficiency ratio | 59.2366% | 5,570 |
Assets per employee ($millions) | 3.6248% | 4,624 |
Cash dividends to net income (ytd only)* | 56.2691% | 1,956 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.0377% | 448 |
Loan loss allowance to noncurrent loans | 42.4950% | 5,550 |
Noncurrent assets plus other real estate owned to assets | 4.9751% | 475 |
Noncurrent loans to loans | 7.1483% | 229 |
Net loans and leases to total assets | 60.1878% | 3,677 |
Net loans and leases to deposits | 68.7336% | 3,947 |
Net loans and leases to core deposits | 70.8988% | 4,200 |
Total domestic deposits to total assets | 87.5667% | 2,439 |
Equity capital to assets | 11.7978% | 1,953 |
Core capital (leverage) ratio | 12.0222% | 1,592 |
Tier 1 risk-based capital ratio | 17.9264% | 2,263 |
Total risk-based capital ratio | 19.1965% | 2,225 |
Memoranda: | ||
Average total assets | $1,658,951,400 | 415 |
Average earning assets | $1,503,472,200 | 412 |
Average equity | $199,310,600 | 390 |
Average total loans | $1,058,226,200 | 413 |
2013-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0785% | 800 |
Cost of funding earning assets | 0.3361% | 5,423 |
Net interest margin | 4.7424% | 483 |
Noninterest income to average assets | 1.5239% | 624 |
Noninterest expense to average assets | 3.1681% | 2,454 |
Loan and lease loss provision to assets | 1.1484% | 126 |
Net operating income to assets | 1.0023% | 2,366 |
Return on assets (ROA) | 1.0324% | 2,329 |
Pretax return on assets | 1.5327% | 1,516 |
Return on Equity (ROE) | 8.5539% | 2,860 |
Retained earnings to average equity (ytd only) | 4.4777% | 3,484 |
Net charge-offs to loans | 0.2549% | 2,285 |
Credit loss provision to net charge-offs | 701.4286% | 413 |
Earnings coverage of net charge-offs (x) | 16.1020% | 1,825 |
Efficiency ratio | 54.1267% | 6,094 |
Assets per employee ($millions) | 3.5481% | 4,749 |
Cash dividends to net income (ytd only)* | 47.6525% | 1,973 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.0496% | 519 |
Loan loss allowance to noncurrent loans | 46.6127% | 5,374 |
Noncurrent assets plus other real estate owned to assets | 4.7035% | 620 |
Noncurrent loans to loans | 6.5424% | 345 |
Net loans and leases to total assets | 61.7306% | 3,413 |
Net loans and leases to deposits | 70.8351% | 3,662 |
Net loans and leases to core deposits | 73.3325% | 3,930 |
Total domestic deposits to total assets | 87.1468% | 2,605 |
Equity capital to assets | 12.1750% | 1,803 |
Core capital (leverage) ratio | 12.1734% | 1,572 |
Tier 1 risk-based capital ratio | 17.9861% | 2,331 |
Total risk-based capital ratio | 19.2567% | 2,284 |
Memoranda: | ||
Average total assets | $1,653,206,750 | 419 |
Average earning assets | $1,492,159,000 | 418 |
Average equity | $199,530,750 | 387 |
Average total loans | $1,061,775,250 | 409 |
2013-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1387% | 710 |
Cost of funding earning assets | 0.3428% | 5,464 |
Net interest margin | 4.7959% | 438 |
Noninterest income to average assets | 1.8649% | 492 |
Noninterest expense to average assets | 3.1570% | 2,491 |
Loan and lease loss provision to assets | 1.6568% | 71 |
Net operating income to assets | 0.9274% | 2,673 |
Return on assets (ROA) | 0.9724% | 2,598 |
Pretax return on assets | 1.4415% | 1,794 |
Return on Equity (ROE) | 8.0802% | 3,053 |
Retained earnings to average equity (ytd only) | 2.5589% | 4,674 |
Net charge-offs to loans | 0.2776% | 2,095 |
Credit loss provision to net charge-offs | 926.6216% | 333 |
Earnings coverage of net charge-offs (x) | 16.9527% | 1,630 |
Efficiency ratio | 50.5915% | 6,381 |
Assets per employee ($millions) | 3.4898% | 4,879 |
Cash dividends to net income (ytd only)* | 68.3315% | 1,255 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.0623% | 548 |
Loan loss allowance to noncurrent loans | 50.1809% | 5,195 |
Noncurrent assets plus other real estate owned to assets | 5.0776% | 602 |
Noncurrent loans to loans | 6.1025% | 450 |
Net loans and leases to total assets | 63.3022% | 3,045 |
Net loans and leases to deposits | 72.4984% | 3,383 |
Net loans and leases to core deposits | 75.6194% | 3,590 |
Total domestic deposits to total assets | 87.3154% | 2,648 |
Equity capital to assets | 12.0619% | 1,875 |
Core capital (leverage) ratio | 11.8088% | 1,718 |
Tier 1 risk-based capital ratio | 17.9210% | 2,337 |
Total risk-based capital ratio | 19.1926% | 2,304 |
Memoranda: | ||
Average total assets | $1,655,505,000 | 418 |
Average earning assets | $1,492,312,670 | 415 |
Average equity | $199,228,000 | 386 |
Average total loans | $1,066,285,330 | 407 |
2013-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1964% | 607 |
Cost of funding earning assets | 0.3465% | 5,571 |
Net interest margin | 4.8498% | 370 |
Noninterest income to average assets | 0.9662% | 1,566 |
Noninterest expense to average assets | 3.2358% | 2,245 |
Loan and lease loss provision to assets | 0.4656% | 595 |
Net operating income to assets | 1.1161% | 1,798 |
Return on assets (ROA) | 1.1591% | 1,751 |
Pretax return on assets | 1.7021% | 1,070 |
Return on Equity (ROE) | 9.6427% | 2,212 |
Retained earnings to average equity (ytd only) | 4.4787% | 3,546 |
Net charge-offs to loans | 0.2500% | 1,958 |
Credit loss provision to net charge-offs | 291.0448% | 823 |
Earnings coverage of net charge-offs (x) | 13.1552% | 1,546 |
Efficiency ratio | 60.1109% | 5,575 |
Assets per employee ($millions) | 3.6052% | 4,772 |
Cash dividends to net income (ytd only)* | 53.5530% | 1,473 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0491% | 1,922 |
Loan loss allowance to noncurrent loans | 30.9669% | 5,992 |
Noncurrent assets plus other real estate owned to assets | 5.4429% | 635 |
Noncurrent loans to loans | 6.6170% | 479 |
Net loans and leases to total assets | 62.0545% | 3,050 |
Net loans and leases to deposits | 71.4367% | 3,257 |
Net loans and leases to core deposits | 74.6047% | 3,504 |
Total domestic deposits to total assets | 86.8664% | 3,037 |
Equity capital to assets | 12.1410% | 1,945 |
Core capital (leverage) ratio | 11.5492% | 1,846 |
Tier 1 risk-based capital ratio | 17.8998% | 2,407 |
Total risk-based capital ratio | 19.1592% | 2,368 |
Memoranda: | ||
Average total assets | $1,675,379,000 | 420 |
Average earning assets | $1,510,978,000 | 416 |
Average equity | $201,396,500 | 388 |
Average total loans | $1,071,867,500 | 407 |
2012-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.0366% | 249 |
Cost of funding earning assets | 0.4424% | 5,639 |
Net interest margin | 5.5942% | 151 |
Noninterest income to average assets | 0.8892% | 1,899 |
Noninterest expense to average assets | 3.7580% | 1,317 |
Loan and lease loss provision to assets | 0.5809% | 959 |
Net operating income to assets | 1.0274% | 2,220 |
Return on assets (ROA) | 1.0651% | 2,256 |
Pretax return on assets | 1.5662% | 1,469 |
Return on Equity (ROE) | 9.1626% | 2,555 |
Retained earnings to average equity (ytd only) | 4.5985% | 2,986 |
Net charge-offs to loans | 0.7368% | 1,601 |
Credit loss provision to net charge-offs | 122.0135% | 2,340 |
Earnings coverage of net charge-offs (x) | 4.3934% | 3,380 |
Efficiency ratio | 63.7222% | 4,938 |
Assets per employee ($millions) | 3.6085% | 4,760 |
Cash dividends to net income (ytd only)* | 49.8125% | 2,317 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8739% | 2,371 |
Loan loss allowance to noncurrent loans | 26.2283% | 6,200 |
Noncurrent assets plus other real estate owned to assets | 5.5981% | 658 |
Noncurrent loans to loans | 7.1446% | 440 |
Net loans and leases to total assets | 63.3849% | 2,993 |
Net loans and leases to deposits | 72.7471% | 3,295 |
Net loans and leases to core deposits | 76.1213% | 3,517 |
Total domestic deposits to total assets | 87.1305% | 2,757 |
Equity capital to assets | 11.9023% | 2,110 |
Core capital (leverage) ratio | 11.3641% | 1,969 |
Tier 1 risk-based capital ratio | 17.5137% | 2,450 |
Total risk-based capital ratio | 18.7715% | 2,421 |
Memoranda: | ||
Average total assets | $1,677,503,000 | 409 |
Average earning assets | $1,487,415,000 | 413 |
Average equity | $194,999,800 | 384 |
Average total loans | $1,083,917,200 | 395 |
2012-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.1557% | 232 |
Cost of funding earning assets | 0.4617% | 5,709 |
Net interest margin | 5.6939% | 140 |
Noninterest income to average assets | 0.8475% | 2,047 |
Noninterest expense to average assets | 3.9301% | 1,032 |
Loan and lease loss provision to assets | 0.4773% | 1,297 |
Net operating income to assets | 1.0002% | 2,498 |
Return on assets (ROA) | 1.0372% | 2,550 |
Pretax return on assets | 1.5244% | 1,793 |
Return on Equity (ROE) | 8.9767% | 2,813 |
Retained earnings to average equity (ytd only) | 4.6382% | 3,628 |
Net charge-offs to loans | 0.8697% | 1,264 |
Credit loss provision to net charge-offs | 84.9214% | 3,463 |
Earnings coverage of net charge-offs (x) | 3.4645% | 3,634 |
Efficiency ratio | 66.3517% | 4,383 |
Assets per employee ($millions) | 3.6236% | 4,711 |
Cash dividends to net income (ytd only)* | 48.3314% | 1,762 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6391% | 3,374 |
Loan loss allowance to noncurrent loans | 21.1642% | 6,465 |
Noncurrent assets plus other real estate owned to assets | 6.3151% | 614 |
Noncurrent loans to loans | 7.7448% | 423 |
Net loans and leases to total assets | 62.8653% | 3,230 |
Net loans and leases to deposits | 72.0652% | 3,605 |
Net loans and leases to core deposits | 75.5263% | 3,788 |
Total domestic deposits to total assets | 87.2340% | 2,538 |
Equity capital to assets | 11.8648% | 2,380 |
Core capital (leverage) ratio | 11.2461% | 2,179 |
Tier 1 risk-based capital ratio | 17.7109% | 2,457 |
Total risk-based capital ratio | 18.9660% | 2,424 |
Memoranda: | ||
Average total assets | $1,675,589,500 | 408 |
Average earning assets | $1,480,136,000 | 411 |
Average equity | $193,606,750 | 386 |
Average total loans | $1,082,763,250 | 399 |
2012-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.2429% | 205 |
Cost of funding earning assets | 0.4812% | 5,747 |
Net interest margin | 5.7617% | 122 |
Noninterest income to average assets | 0.8327% | 2,046 |
Noninterest expense to average assets | 3.9757% | 969 |
Loan and lease loss provision to assets | 0.5670% | 1,077 |
Net operating income to assets | 0.9453% | 2,681 |
Return on assets (ROA) | 0.9734% | 2,812 |
Pretax return on assets | 1.4069% | 2,172 |
Return on Equity (ROE) | 8.5010% | 3,016 |
Retained earnings to average equity (ytd only) | 3.8083% | 4,083 |
Net charge-offs to loans | 0.8869% | 1,241 |
Credit loss provision to net charge-offs | 98.5676% | 2,814 |
Earnings coverage of net charge-offs (x) | 3.3606% | 3,404 |
Efficiency ratio | 66.7718% | 4,367 |
Assets per employee ($millions) | 3.5733% | 4,809 |
Cash dividends to net income (ytd only)* | 55.2012% | 1,541 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7356% | 3,091 |
Loan loss allowance to noncurrent loans | 22.6204% | 6,444 |
Noncurrent assets plus other real estate owned to assets | 6.5911% | 619 |
Noncurrent loans to loans | 7.6727% | 462 |
Net loans and leases to total assets | 63.2834% | 3,184 |
Net loans and leases to deposits | 72.2599% | 3,578 |
Net loans and leases to core deposits | 76.6347% | 3,701 |
Total domestic deposits to total assets | 87.5776% | 2,416 |
Equity capital to assets | 11.6775% | 2,433 |
Core capital (leverage) ratio | 11.0437% | 2,258 |
Tier 1 risk-based capital ratio | 17.9052% | 2,323 |
Total risk-based capital ratio | 19.1620% | 2,289 |
Memoranda: | ||
Average total assets | $1,674,882,670 | 410 |
Average earning assets | $1,475,574,670 | 412 |
Average equity | $191,790,000 | 382 |
Average total loans | $1,086,259,670 | 397 |
2012-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.2895% | 208 |
Cost of funding earning assets | 0.4991% | 5,827 |
Net interest margin | 5.7904% | 122 |
Noninterest income to average assets | 0.9063% | 1,719 |
Noninterest expense to average assets | 3.8715% | 1,102 |
Loan and lease loss provision to assets | 0.4631% | 1,331 |
Net operating income to assets | 1.1399% | 1,920 |
Return on assets (ROA) | 1.1960% | 1,933 |
Pretax return on assets | 1.7451% | 1,210 |
Return on Equity (ROE) | 10.5481% | 2,213 |
Retained earnings to average equity (ytd only) | 6.3524% | 2,771 |
Net charge-offs to loans | 0.7456% | 1,368 |
Credit loss provision to net charge-offs | 95.4412% | 2,452 |
Earnings coverage of net charge-offs (x) | 4.3828% | 2,582 |
Efficiency ratio | 64.0427% | 4,917 |
Assets per employee ($millions) | 3.6836% | 4,696 |
Cash dividends to net income (ytd only)* | 39.7772% | 1,768 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7230% | 3,255 |
Loan loss allowance to noncurrent loans | 22.1895% | 6,487 |
Noncurrent assets plus other real estate owned to assets | 6.6102% | 673 |
Noncurrent loans to loans | 7.7650% | 515 |
Net loans and leases to total assets | 62.8935% | 3,074 |
Net loans and leases to deposits | 71.4523% | 3,519 |
Net loans and leases to core deposits | 75.6851% | 3,653 |
Total domestic deposits to total assets | 88.0217% | 2,307 |
Equity capital to assets | 11.3400% | 2,589 |
Core capital (leverage) ratio | 11.0969% | 2,189 |
Tier 1 risk-based capital ratio | 18.0652% | 2,263 |
Total risk-based capital ratio | 19.3224% | 2,232 |
Memoranda: | ||
Average total assets | $1,681,537,000 | 408 |
Average earning assets | $1,478,718,500 | 415 |
Average equity | $190,669,500 | 379 |
Average total loans | $1,094,353,000 | 394 |
2011-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.1930% | 309 |
Cost of funding earning assets | 0.6549% | 5,797 |
Net interest margin | 5.5381% | 167 |
Noninterest income to average assets | 0.9861% | 1,405 |
Noninterest expense to average assets | 3.7105% | 1,521 |
Loan and lease loss provision to assets | 0.5968% | 1,735 |
Net operating income to assets | 1.0021% | 2,185 |
Return on assets (ROA) | 1.0021% | 2,332 |
Pretax return on assets | 1.4537% | 1,618 |
Return on Equity (ROE) | 9.0031% | 2,445 |
Retained earnings to average equity (ytd only) | -10.3827% | 6,714 |
Net charge-offs to loans | 0.9850% | 1,761 |
Credit loss provision to net charge-offs | 88.9539% | 4,055 |
Earnings coverage of net charge-offs (x) | 3.0564% | 3,679 |
Efficiency ratio | 63.7649% | 5,167 |
Assets per employee ($millions) | 3.7081% | 4,541 |
Cash dividends to net income (ytd only)* | 215.3244% | 74 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7116% | 3,159 |
Loan loss allowance to noncurrent loans | 19.8891% | 6,622 |
Noncurrent assets plus other real estate owned to assets | 7.4093% | 598 |
Noncurrent loans to loans | 8.6058% | 431 |
Net loans and leases to total assets | 65.0488% | 2,976 |
Net loans and leases to deposits | 73.7491% | 3,537 |
Net loans and leases to core deposits | 78.0768% | 3,680 |
Total domestic deposits to total assets | 88.2029% | 2,024 |
Equity capital to assets | 11.3380% | 2,653 |
Core capital (leverage) ratio | 10.7709% | 2,456 |
Tier 1 risk-based capital ratio | 17.8363% | 2,253 |
Total risk-based capital ratio | 19.0942% | 2,224 |
Memoranda: | ||
Average total assets | $1,681,328,800 | 397 |
Average earning assets | $1,449,646,200 | 411 |
Average equity | $187,147,400 | 374 |
Average total loans | $1,145,172,400 | 374 |
2011-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.1507% | 360 |
Cost of funding earning assets | 0.6865% | 5,842 |
Net interest margin | 5.4642% | 184 |
Noninterest income to average assets | 1.0199% | 1,294 |
Noninterest expense to average assets | 3.6413% | 1,624 |
Loan and lease loss provision to assets | 0.6476% | 1,517 |
Net operating income to assets | 0.9816% | 2,386 |
Return on assets (ROA) | 0.9816% | 2,545 |
Pretax return on assets | 1.4235% | 1,872 |
Return on Equity (ROE) | 8.8591% | 2,670 |
Retained earnings to average equity (ytd only) | 6.1444% | 2,466 |
Net charge-offs to loans | 0.9666% | 1,661 |
Credit loss provision to net charge-offs | 97.6839% | 3,505 |
Earnings coverage of net charge-offs (x) | 3.1240% | 3,573 |
Efficiency ratio | 63.0849% | 5,225 |
Assets per employee ($millions) | 3.6535% | 4,632 |
Cash dividends to net income (ytd only)* | 30.6427% | 2,448 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7986% | 2,954 |
Loan loss allowance to noncurrent loans | 20.9387% | 6,648 |
Noncurrent assets plus other real estate owned to assets | 7.3669% | 644 |
Noncurrent loans to loans | 8.5897% | 485 |
Net loans and leases to total assets | 64.9676% | 3,112 |
Net loans and leases to deposits | 73.3423% | 3,753 |
Net loans and leases to core deposits | 77.8419% | 3,933 |
Total domestic deposits to total assets | 88.5814% | 1,709 |
Equity capital to assets | 11.0616% | 3,081 |
Core capital (leverage) ratio | 10.4570% | 2,922 |
Tier 1 risk-based capital ratio | 17.5607% | 2,416 |
Total risk-based capital ratio | 18.8199% | 2,388 |
Memoranda: | ||
Average total assets | $1,684,501,250 | 396 |
Average earning assets | $1,446,583,000 | 410 |
Average equity | $186,636,750 | 380 |
Average total loans | $1,155,382,500 | 370 |
2011-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.1448% | 357 |
Cost of funding earning assets | 0.7124% | 5,885 |
Net interest margin | 5.4324% | 196 |
Noninterest income to average assets | 0.7617% | 2,198 |
Noninterest expense to average assets | 3.2180% | 2,836 |
Loan and lease loss provision to assets | 0.7113% | 1,324 |
Net operating income to assets | 1.0174% | 2,153 |
Return on assets (ROA) | 1.0174% | 2,247 |
Pretax return on assets | 1.4794% | 1,588 |
Return on Equity (ROE) | 9.1778% | 2,445 |
Retained earnings to average equity (ytd only) | 6.2904% | 2,251 |
Net charge-offs to loans | 0.9234% | 1,683 |
Credit loss provision to net charge-offs | 111.0083% | 2,762 |
Earnings coverage of net charge-offs (x) | 3.4189% | 3,177 |
Efficiency ratio | 58.8059% | 6,056 |
Assets per employee ($millions) | 3.6111% | 4,654 |
Cash dividends to net income (ytd only)* | 31.4612% | 2,419 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7151% | 3,277 |
Loan loss allowance to noncurrent loans | 19.6650% | 6,732 |
Noncurrent assets plus other real estate owned to assets | 8.0004% | 579 |
Noncurrent loans to loans | 8.7218% | 484 |
Net loans and leases to total assets | 66.3727% | 2,952 |
Net loans and leases to deposits | 74.7418% | 3,685 |
Net loans and leases to core deposits | 79.7186% | 3,824 |
Total domestic deposits to total assets | 88.8026% | 1,665 |
Equity capital to assets | 10.7595% | 3,213 |
Core capital (leverage) ratio | 10.3126% | 2,920 |
Tier 1 risk-based capital ratio | 17.6488% | 2,290 |
Total risk-based capital ratio | 18.8963% | 2,261 |
Memoranda: | ||
Average total assets | $1,687,013,330 | 402 |
Average earning assets | $1,443,106,670 | 418 |
Average equity | $187,016,000 | 385 |
Average total loans | $1,170,697,330 | 373 |
2011-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.1091% | 395 |
Cost of funding earning assets | 0.7171% | 6,040 |
Net interest margin | 5.3920% | 194 |
Noninterest income to average assets | 0.8689% | 1,778 |
Noninterest expense to average assets | 3.2647% | 2,660 |
Loan and lease loss provision to assets | 0.7089% | 1,196 |
Net operating income to assets | 1.0227% | 2,101 |
Return on assets (ROA) | 1.0227% | 2,148 |
Pretax return on assets | 1.5005% | 1,446 |
Return on Equity (ROE) | 9.0932% | 2,443 |
Retained earnings to average equity (ytd only) | 5.5215% | 2,901 |
Net charge-offs to loans | 0.8650% | 1,526 |
Credit loss provision to net charge-offs | 116.5501% | 2,325 |
Earnings coverage of net charge-offs (x) | 3.6325% | 2,685 |
Efficiency ratio | 58.9657% | 6,134 |
Assets per employee ($millions) | 3.6961% | 4,547 |
Cash dividends to net income (ytd only)* | 39.2791% | 1,767 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6435% | 3,559 |
Loan loss allowance to noncurrent loans | 18.7873% | 6,804 |
Noncurrent assets plus other real estate owned to assets | 8.0910% | 583 |
Noncurrent loans to loans | 8.7477% | 524 |
Net loans and leases to total assets | 68.4611% | 2,462 |
Net loans and leases to deposits | 76.7854% | 3,284 |
Net loans and leases to core deposits | 81.7941% | 3,483 |
Total domestic deposits to total assets | 89.1591% | 1,671 |
Equity capital to assets | 10.4717% | 3,207 |
Core capital (leverage) ratio | 10.1018% | 3,035 |
Tier 1 risk-based capital ratio | 17.1844% | 2,407 |
Total risk-based capital ratio | 18.4430% | 2,382 |
Memoranda: | ||
Average total assets | $1,692,750,500 | 403 |
Average earning assets | $1,445,782,500 | 422 |
Average equity | $190,384,000 | 373 |
Average total loans | $1,190,292,500 | 369 |
2010-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.0028% | 844 |
Cost of funding earning assets | 0.8903% | 6,202 |
Net interest margin | 5.1124% | 345 |
Noninterest income to average assets | 2.2795% | 320 |
Noninterest expense to average assets | 3.2667% | 2,843 |
Loan and lease loss provision to assets | 0.8412% | 1,952 |
Net operating income to assets | 1.8295% | 384 |
Return on assets (ROA) | 1.8295% | 421 |
Pretax return on assets | 2.6778% | 156 |
Return on Equity (ROE) | 13.8610% | 913 |
Retained earnings to average equity (ytd only) | 13.5987% | 182 |
Net charge-offs to loans | 0.9156% | 2,350 |
Credit loss provision to net charge-offs | 127.2251% | 3,170 |
Earnings coverage of net charge-offs (x) | 5.3223% | 2,659 |
Efficiency ratio | 47.4554% | 7,285 |
Assets per employee ($millions) | 3.8030% | 4,250 |
Cash dividends to net income (ytd only)* | 1.8921% | 3,921 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5547% | 3,753 |
Loan loss allowance to noncurrent loans | 15.4115% | 6,973 |
Noncurrent assets plus other real estate owned to assets | 9.1535% | 489 |
Noncurrent loans to loans | 10.0880% | 419 |
Net loans and leases to total assets | 69.9157% | 2,550 |
Net loans and leases to deposits | 79.7713% | 3,215 |
Net loans and leases to core deposits | 84.9512% | 3,469 |
Total domestic deposits to total assets | 87.6453% | 2,455 |
Equity capital to assets | 12.0123% | 1,908 |
Core capital (leverage) ratio | 11.3190% | 1,945 |
Tier 1 risk-based capital ratio | 19.5758% | 1,581 |
Total risk-based capital ratio | 20.8334% | 1,543 |
Memoranda: | ||
Average total assets | $1,444,377,800 | 467 |
Average earning assets | $1,273,111,000 | 481 |
Average equity | $190,643,400 | 365 |
Average total loans | $1,043,052,800 | 430 |
2010-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.7447% | 1,565 |
Cost of funding earning assets | 0.9368% | 6,238 |
Net interest margin | 4.8078% | 667 |
Noninterest income to average assets | 2.6502% | 257 |
Noninterest expense to average assets | 3.0764% | 3,444 |
Loan and lease loss provision to assets | 0.8360% | 1,817 |
Net operating income to assets | 2.0218% | 325 |
Return on assets (ROA) | 2.0220% | 351 |
Pretax return on assets | 3.0166% | 117 |
Return on Equity (ROE) | 14.9055% | 878 |
Retained earnings to average equity (ytd only) | 14.5492% | 234 |
Net charge-offs to loans | 0.9222% | 2,156 |
Credit loss provision to net charge-offs | 124.8917% | 3,285 |
Earnings coverage of net charge-offs (x) | 5.7550% | 2,685 |
Efficiency ratio | 43.8081% | 7,470 |
Assets per employee ($millions) | 4.3150% | 3,232 |
Cash dividends to net income (ytd only)* | 2.3899% | 3,491 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4486% | 4,212 |
Loan loss allowance to noncurrent loans | 13.4072% | 7,110 |
Noncurrent assets plus other real estate owned to assets | 9.0253% | 499 |
Noncurrent loans to loans | 10.8046% | 358 |
Net loans and leases to total assets | 66.6955% | 3,528 |
Net loans and leases to deposits | 75.6318% | 4,240 |
Net loans and leases to core deposits | 81.3633% | 4,332 |
Total domestic deposits to total assets | 88.1845% | 1,861 |
Equity capital to assets | 11.0163% | 2,945 |
Core capital (leverage) ratio | 12.2042% | 1,563 |
Tier 1 risk-based capital ratio | 17.3538% | 2,227 |
Total risk-based capital ratio | 18.6082% | 2,183 |
Memoranda: | ||
Average total assets | $1,379,533,500 | 484 |
Average earning assets | $1,227,660,750 | 490 |
Average equity | $187,139,250 | 371 |
Average total loans | $1,001,314,750 | 446 |
2010-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.8881% | 1,218 |
Cost of funding earning assets | 0.9852% | 6,218 |
Net interest margin | 4.9029% | 534 |
Noninterest income to average assets | 1.0824% | 1,141 |
Noninterest expense to average assets | 3.1166% | 3,235 |
Loan and lease loss provision to assets | 0.7645% | 1,878 |
Net operating income to assets | 1.1439% | 1,713 |
Return on assets (ROA) | 1.1439% | 1,781 |
Pretax return on assets | 1.6479% | 1,171 |
Return on Equity (ROE) | 7.7132% | 3,007 |
Retained earnings to average equity (ytd only) | 7.1648% | 1,765 |
Net charge-offs to loans | 0.8537% | 2,122 |
Credit loss provision to net charge-offs | 119.3802% | 3,408 |
Earnings coverage of net charge-offs (x) | 3.7671% | 3,183 |
Efficiency ratio | 55.8059% | 6,660 |
Assets per employee ($millions) | 3.7528% | 4,340 |
Cash dividends to net income (ytd only)* | 7.1104% | 3,220 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5088% | 3,874 |
Loan loss allowance to noncurrent loans | 19.9734% | 6,942 |
Noncurrent assets plus other real estate owned to assets | 6.5146% | 855 |
Noncurrent loans to loans | 7.5538% | 710 |
Net loans and leases to total assets | 69.3134% | 3,060 |
Net loans and leases to deposits | 79.9545% | 3,605 |
Net loans and leases to core deposits | 85.8559% | 3,857 |
Total domestic deposits to total assets | 86.6910% | 2,710 |
Equity capital to assets | 11.6737% | 2,301 |
Core capital (leverage) ratio | 11.1270% | 2,149 |
Tier 1 risk-based capital ratio | 18.7872% | 1,768 |
Total risk-based capital ratio | 20.0453% | 1,737 |
Memoranda: | ||
Average total assets | $1,229,528,000 | 541 |
Average earning assets | $1,115,132,670 | 542 |
Average equity | $182,336,330 | 379 |
Average total loans | $922,365,000 | 485 |
2010-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.6763% | 1,867 |
Cost of funding earning assets | 1.0715% | 6,033 |
Net interest margin | 4.6048% | 942 |
Noninterest income to average assets | 0.6374% | 3,023 |
Noninterest expense to average assets | 2.8997% | 4,063 |
Loan and lease loss provision to assets | 0.8230% | 1,538 |
Net operating income to assets | 0.8364% | 2,806 |
Return on assets (ROA) | 0.8364% | 2,905 |
Pretax return on assets | 1.1836% | 2,422 |
Return on Equity (ROE) | 4.8504% | 4,447 |
Retained earnings to average equity (ytd only) | 4.8504% | 3,241 |
Net charge-offs to loans | 0.9247% | 1,735 |
Credit loss provision to net charge-offs | 113.2771% | 3,068 |
Earnings coverage of net charge-offs (x) | 2.7619% | 3,164 |
Efficiency ratio | 59.1012% | 6,324 |
Assets per employee ($millions) | 3.5087% | 5,007 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9958% | 2,201 |
Loan loss allowance to noncurrent loans | 445.9372% | 713 |
Noncurrent assets plus other real estate owned to assets | 0.8253% | 5,501 |
Noncurrent loans to loans | 0.4476% | 6,407 |
Net loans and leases to total assets | 77.3194% | 1,280 |
Net loans and leases to deposits | 95.0897% | 1,218 |
Net loans and leases to core deposits | 105.4236% | 1,625 |
Total domestic deposits to total assets | 81.3120% | 5,339 |
Equity capital to assets | 17.3561% | 493 |
Core capital (leverage) ratio | 17.5520% | 398 |
Tier 1 risk-based capital ratio | 20.2243% | 1,481 |
Total risk-based capital ratio | 21.4815% | 1,448 |
Memoranda: | ||
Average total assets | $1,044,935,500 | 652 |
Average earning assets | $968,733,000 | 630 |
Average equity | $180,190,000 | 387 |
Average total loans | $820,999,000 | 555 |
2009-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.2154% | 1,200 |
Cost of funding earning assets | 1.5217% | 5,430 |
Net interest margin | 4.6937% | 845 |
Noninterest income to average assets | 0.7815% | 2,499 |
Noninterest expense to average assets | 2.9225% | 4,450 |
Loan and lease loss provision to assets | 1.0738% | 2,136 |
Net operating income to assets | 0.7606% | 2,674 |
Return on assets (ROA) | 0.7606% | 2,771 |
Pretax return on assets | 1.1216% | 2,184 |
Return on Equity (ROE) | 5.3223% | 3,521 |
Retained earnings to average equity (ytd only) | 2.2468% | 3,541 |
Net charge-offs to loans | 0.7572% | 2,929 |
Credit loss provision to net charge-offs | 163.5139% | 2,680 |
Earnings coverage of net charge-offs (x) | 3.3431% | 3,386 |
Efficiency ratio | 57.1038% | 6,881 |
Assets per employee ($millions) | 3.7163% | 4,483 |
Cash dividends to net income (ytd only)* | 57.7855% | 2,100 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9841% | 2,070 |
Loan loss allowance to noncurrent loans | 477.5258% | 695 |
Noncurrent assets plus other real estate owned to assets | 0.7607% | 5,581 |
Noncurrent loans to loans | 0.4155% | 6,445 |
Net loans and leases to total assets | 76.6918% | 1,649 |
Net loans and leases to deposits | 94.0581% | 1,587 |
Net loans and leases to core deposits | 117.6436% | 2,166 |
Total domestic deposits to total assets | 81.5366% | 5,138 |
Equity capital to assets | 17.1320% | 538 |
Core capital (leverage) ratio | 18.1728% | 393 |
Tier 1 risk-based capital ratio | 20.2940% | 1,408 |
Total risk-based capital ratio | 21.5498% | 1,370 |
Memoranda: | ||
Average total assets | $949,917,400 | 705 |
Average earning assets | $877,579,800 | 691 |
Average equity | $135,748,600 | 494 |
Average total loans | $823,856,600 | 565 |
2009-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.3462% | 1,034 |
Cost of funding earning assets | 1.6295% | 5,260 |
Net interest margin | 4.7168% | 807 |
Noninterest income to average assets | 0.8289% | 2,296 |
Noninterest expense to average assets | 2.9380% | 4,283 |
Loan and lease loss provision to assets | 1.1443% | 1,703 |
Net operating income to assets | 0.7565% | 2,998 |
Return on assets (ROA) | 0.7565% | 3,062 |
Pretax return on assets | 1.0994% | 2,575 |
Return on Equity (ROE) | 5.6081% | 3,691 |
Retained earnings to average equity (ytd only) | 2.2204% | 4,088 |
Net charge-offs to loans | 0.6974% | 2,606 |
Credit loss provision to net charge-offs | 184.1130% | 2,475 |
Earnings coverage of net charge-offs (x) | 3.6100% | 3,457 |
Efficiency ratio | 56.7000% | 6,906 |
Assets per employee ($millions) | 3.4344% | 5,089 |
Cash dividends to net income (ytd only)* | 60.4072% | 1,581 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9386% | 1,934 |
Loan loss allowance to noncurrent loans | 499.5911% | 636 |
Noncurrent assets plus other real estate owned to assets | 0.8548% | 5,385 |
Noncurrent loans to loans | 0.3880% | 6,565 |
Net loans and leases to total assets | 83.8437% | 561 |
Net loans and leases to deposits | 98.8935% | 1,224 |
Net loans and leases to core deposits | 126.7771% | 1,681 |
Total domestic deposits to total assets | 84.7818% | 3,332 |
Equity capital to assets | 13.8977% | 1,340 |
Core capital (leverage) ratio | 14.0403% | 1,078 |
Tier 1 risk-based capital ratio | 15.0020% | 3,037 |
Total risk-based capital ratio | 16.2586% | 2,978 |
Memoranda: | ||
Average total assets | $926,328,500 | 740 |
Average earning assets | $854,825,750 | 720 |
Average equity | $124,959,500 | 545 |
Average total loans | $825,549,750 | 576 |
2009-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.3383% | 1,118 |
Cost of funding earning assets | 1.6933% | 5,305 |
Net interest margin | 4.6450% | 883 |
Noninterest income to average assets | 0.8645% | 2,127 |
Noninterest expense to average assets | 2.8939% | 4,519 |
Loan and lease loss provision to assets | 1.1903% | 1,447 |
Net operating income to assets | 0.7330% | 3,121 |
Return on assets (ROA) | 0.7330% | 3,226 |
Pretax return on assets | 1.0652% | 2,754 |
Return on Equity (ROE) | 5.4916% | 3,868 |
Retained earnings to average equity (ytd only) | 1.4007% | 4,556 |
Net charge-offs to loans | 0.7080% | 2,285 |
Credit loss provision to net charge-offs | 186.0068% | 2,462 |
Earnings coverage of net charge-offs (x) | 3.5246% | 3,410 |
Efficiency ratio | 56.1988% | 7,097 |
Assets per employee ($millions) | 3.3908% | 5,089 |
Cash dividends to net income (ytd only)* | 74.4934% | 1,225 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7900% | 2,075 |
Loan loss allowance to noncurrent loans | 197.4599% | 1,541 |
Noncurrent assets plus other real estate owned to assets | 1.0809% | 4,800 |
Noncurrent loans to loans | 0.9065% | 5,405 |
Net loans and leases to total assets | 86.9075% | 304 |
Net loans and leases to deposits | 102.9169% | 1,000 |
Net loans and leases to core deposits | 131.8800% | 1,439 |
Total domestic deposits to total assets | 84.4444% | 3,525 |
Equity capital to assets | 14.0947% | 1,279 |
Core capital (leverage) ratio | 14.1524% | 1,106 |
Tier 1 risk-based capital ratio | 14.8557% | 3,088 |
Total risk-based capital ratio | 16.1109% | 3,016 |
Memoranda: | ||
Average total assets | $915,706,670 | 769 |
Average earning assets | $844,739,000 | 748 |
Average equity | $122,223,670 | 560 |
Average total loans | $827,644,000 | 594 |
2009-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.3131% | 1,261 |
Cost of funding earning assets | 1.7406% | 5,413 |
Net interest margin | 4.5725% | 990 |
Noninterest income to average assets | 0.8513% | 2,075 |
Noninterest expense to average assets | 2.7690% | 4,704 |
Loan and lease loss provision to assets | 1.0801% | 1,212 |
Net operating income to assets | 0.8253% | 3,025 |
Return on assets (ROA) | 0.8253% | 3,180 |
Pretax return on assets | 1.2318% | 2,514 |
Return on Equity (ROE) | 6.3662% | 3,878 |
Retained earnings to average equity (ytd only) | 1.2651% | 5,130 |
Net charge-offs to loans | 0.6645% | 1,852 |
Credit loss provision to net charge-offs | 177.9230% | 2,438 |
Earnings coverage of net charge-offs (x) | 3.8083% | 3,060 |
Efficiency ratio | 54.4989% | 7,170 |
Assets per employee ($millions) | 3.4202% | 5,020 |
Cash dividends to net income (ytd only)* | 80.1282% | 1,063 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6017% | 2,514 |
Loan loss allowance to noncurrent loans | 157.2221% | 2,064 |
Noncurrent assets plus other real estate owned to assets | 1.1208% | 4,442 |
Noncurrent loans to loans | 1.0187% | 4,962 |
Net loans and leases to total assets | 89.2956% | 176 |
Net loans and leases to deposits | 107.4198% | 763 |
Net loans and leases to core deposits | 137.3911% | 1,225 |
Total domestic deposits to total assets | 83.1277% | 4,078 |
Equity capital to assets | 14.2951% | 1,282 |
Core capital (leverage) ratio | 14.4775% | 1,091 |
Tier 1 risk-based capital ratio | 14.7616% | 3,173 |
Total risk-based capital ratio | 16.0147% | 3,109 |
Memoranda: | ||
Average total assets | $907,322,500 | 775 |
Average earning assets | $839,273,500 | 757 |
Average equity | $117,620,500 | 574 |
Average total loans | $828,885,500 | 594 |
2008-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 7.1321% | 856 |
Cost of funding earning assets | 2.3695% | 4,856 |
Net interest margin | 4.7626% | 847 |
Noninterest income to average assets | 0.7342% | 2,880 |
Noninterest expense to average assets | 2.9262% | 4,352 |
Loan and lease loss provision to assets | 0.5630% | 2,565 |
Net operating income to assets | 1.1019% | 2,137 |
Return on assets (ROA) | 1.1019% | 2,054 |
Pretax return on assets | 1.6328% | 1,305 |
Return on Equity (ROE) | 9.8781% | 2,304 |
Retained earnings to average equity (ytd only) | 8.6787% | 659 |
Net charge-offs to loans | 0.4789% | 2,437 |
Credit loss provision to net charge-offs | 128.6296% | 4,145 |
Earnings coverage of net charge-offs (x) | 5.0166% | 3,781 |
Efficiency ratio | 57.1289% | 6,848 |
Assets per employee ($millions) | 3.4408% | 4,825 |
Cash dividends to net income (ytd only)* | 12.1421% | 4,637 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4831% | 2,777 |
Loan loss allowance to noncurrent loans | 638.3533% | 706 |
Noncurrent assets plus other real estate owned to assets | 0.4616% | 5,838 |
Noncurrent loans to loans | 0.2323% | 6,686 |
Net loans and leases to total assets | 90.6096% | 156 |
Net loans and leases to deposits | 108.7744% | 915 |
Net loans and leases to core deposits | 139.7051% | 1,284 |
Total domestic deposits to total assets | 83.3005% | 3,653 |
Equity capital to assets | 11.6043% | 2,566 |
Core capital (leverage) ratio | 11.5405% | 2,226 |
Tier 1 risk-based capital ratio | 11.8472% | 4,946 |
Total risk-based capital ratio | 13.0989% | 4,849 |
Memoranda: | ||
Average total assets | $896,902,400 | 745 |
Average earning assets | $826,338,000 | 731 |
Average equity | $100,049,800 | 665 |
Average total loans | $819,773,000 | 579 |