Home > Monument Bank > Performance and Condition Ratios
Monument Bank, Performance and Condition Ratios
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5922% | 2,555 |
| Cost of funding earning assets | 1.8504% | 86 |
| Net interest margin | 2.7418% | 5,034 |
| Noninterest income to average assets | 0.0184% | 5,279 |
| Noninterest expense to average assets | 1.7830% | 4,937 |
| Loan and lease loss provision to assets | 0.0487% | 2,681 |
| Net operating income to assets | 0.6801% | 4,000 |
| Return on assets (ROA) | 0.6801% | 4,039 |
| Pretax return on assets | 0.8239% | 3,985 |
| Return on Equity (ROE) | 7.7183% | 3,366 |
| Retained earnings to average equity (ytd only) | 6.3071% | 2,316 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1417% | 2,773 |
| Assets per employee ($millions) | 10.7528% | 272 |
| Cash dividends to net income (ytd only)* | 18.2830% | 2,509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0690% | 3,306 |
| Loan loss allowance to noncurrent loans | 600.2132% | 895 |
| Noncurrent assets plus other real estate owned to assets | 0.4073% | 2,957 |
| Noncurrent loans to loans | 0.1781% | 3,957 |
| Net loans and leases to total assets | 69.2229% | 2,594 |
| Net loans and leases to deposits | 115.8228% | 129 |
| Net loans and leases to core deposits | 139.8264% | 190 |
| Total domestic deposits to total assets | 59.7662% | 5,277 |
| Equity capital to assets | 8.7818% | 4,836 |
| Core capital (leverage) ratio | 9.1093% | 4,564 |
| Tier 1 risk-based capital ratio | 12.5657% | 4,122 |
| Total risk-based capital ratio | 15.6328% | 3,081 |
| Memoranda: | ||
| Average total assets | $369,939,500 | 1,878 |
| Average earning assets | $355,819,500 | 1,822 |
| Average equity | $32,598,000 | 2,270 |
| Average total loans | $259,998,000 | 1,807 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4890% | 2,494 |
| Cost of funding earning assets | 1.4550% | 108 |
| Net interest margin | 3.0340% | 4,761 |
| Noninterest income to average assets | -0.1217% | 5,377 |
| Noninterest expense to average assets | 1.9122% | 4,881 |
| Loan and lease loss provision to assets | 0.1383% | 1,558 |
| Net operating income to assets | 0.6213% | 4,361 |
| Return on assets (ROA) | 0.7973% | 3,820 |
| Pretax return on assets | 0.9560% | 3,740 |
| Return on Equity (ROE) | 8.6208% | 3,170 |
| Retained earnings to average equity (ytd only) | 7.1756% | 1,588 |
| Net charge-offs to loans | 0.1202% | 1,535 |
| Credit loss provision to net charge-offs | 160.8108% | 1,727 |
| Earnings coverage of net charge-offs (x) | 10.2568% | 2,740 |
| Efficiency ratio | 68.4309% | 2,479 |
| Assets per employee ($millions) | 11.0129% | 258 |
| Cash dividends to net income (ytd only)* | 16.7638% | 3,608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0792% | 3,223 |
| Loan loss allowance to noncurrent loans | 580.7128% | 964 |
| Noncurrent assets plus other real estate owned to assets | 0.4240% | 2,868 |
| Noncurrent loans to loans | 0.1858% | 3,910 |
| Net loans and leases to total assets | 69.8609% | 2,581 |
| Net loans and leases to deposits | 107.8753% | 312 |
| Net loans and leases to core deposits | 126.2981% | 390 |
| Total domestic deposits to total assets | 64.7608% | 5,267 |
| Equity capital to assets | 8.8255% | 4,716 |
| Core capital (leverage) ratio | 9.0785% | 4,577 |
| Tier 1 risk-based capital ratio | 12.6063% | 4,072 |
| Total risk-based capital ratio | 15.7086% | 2,990 |
| Memoranda: | ||
| Average total assets | $344,150,600 | 1,937 |
| Average earning assets | $330,788,600 | 1,883 |
| Average equity | $31,830,000 | 2,231 |
| Average total loans | $246,263,000 | 1,844 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4415% | 2,497 |
| Cost of funding earning assets | 1.3720% | 112 |
| Net interest margin | 3.0695% | 4,754 |
| Noninterest income to average assets | -0.1764% | 5,454 |
| Noninterest expense to average assets | 1.9229% | 4,869 |
| Loan and lease loss provision to assets | 0.1552% | 1,260 |
| Net operating income to assets | 0.5800% | 4,552 |
| Return on assets (ROA) | 0.8181% | 3,860 |
| Pretax return on assets | 0.9807% | 3,774 |
| Return on Equity (ROE) | 8.7379% | 3,221 |
| Retained earnings to average equity (ytd only) | 7.2899% | 1,980 |
| Net charge-offs to loans | 0.1368% | 1,185 |
| Credit loss provision to net charge-offs | 158.0000% | 1,640 |
| Earnings coverage of net charge-offs (x) | 8.6439% | 2,685 |
| Efficiency ratio | 69.3692% | 2,292 |
| Assets per employee ($millions) | 10.6317% | 275 |
| Cash dividends to net income (ytd only)* | 16.5707% | 3,148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0808% | 3,298 |
| Loan loss allowance to noncurrent loans | 396.3768% | 1,327 |
| Noncurrent assets plus other real estate owned to assets | 0.6374% | 2,279 |
| Noncurrent loans to loans | 0.2727% | 3,705 |
| Net loans and leases to total assets | 69.2504% | 2,767 |
| Net loans and leases to deposits | 97.8103% | 963 |
| Net loans and leases to core deposits | 108.5834% | 1,127 |
| Total domestic deposits to total assets | 70.8007% | 5,191 |
| Equity capital to assets | 9.0207% | 4,528 |
| Core capital (leverage) ratio | 9.1817% | 4,534 |
| Tier 1 risk-based capital ratio | 12.4987% | 4,201 |
| Total risk-based capital ratio | 15.6019% | 3,102 |
| Memoranda: | ||
| Average total assets | $339,332,000 | 1,964 |
| Average earning assets | $325,951,000 | 1,917 |
| Average equity | $31,769,000 | 2,234 |
| Average total loans | $243,663,250 | 1,867 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4472% | 2,269 |
| Cost of funding earning assets | 1.2987% | 111 |
| Net interest margin | 3.1485% | 4,621 |
| Noninterest income to average assets | -0.0133% | 5,508 |
| Noninterest expense to average assets | 1.9623% | 4,858 |
| Loan and lease loss provision to assets | 0.0030% | 3,751 |
| Net operating income to assets | 0.8504% | 3,674 |
| Return on assets (ROA) | 1.2110% | 2,147 |
| Pretax return on assets | 1.4803% | 1,886 |
| Return on Equity (ROE) | 12.7662% | 1,455 |
| Retained earnings to average equity (ytd only) | 11.3054% | 614 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2836% | 3,099 |
| Assets per employee ($millions) | 9.9364% | 323 |
| Cash dividends to net income (ytd only)* | 11.4428% | 3,263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0869% | 3,344 |
| Loan loss allowance to noncurrent loans | 272.0126% | 1,775 |
| Noncurrent assets plus other real estate owned to assets | 0.8675% | 1,721 |
| Noncurrent loans to loans | 0.3996% | 3,254 |
| Net loans and leases to total assets | 67.9038% | 2,887 |
| Net loans and leases to deposits | 100.0610% | 800 |
| Net loans and leases to core deposits | 112.3427% | 868 |
| Total domestic deposits to total assets | 67.8624% | 5,340 |
| Equity capital to assets | 9.3518% | 4,242 |
| Core capital (leverage) ratio | 9.6986% | 3,886 |
| Tier 1 risk-based capital ratio | 13.3044% | 3,730 |
| Total risk-based capital ratio | 16.5515% | 2,660 |
| Memoranda: | ||
| Average total assets | $331,950,000 | 1,997 |
| Average earning assets | $318,314,000 | 1,948 |
| Average equity | $31,489,330 | 2,258 |
| Average total loans | $240,531,000 | 1,885 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1758% | 2,964 |
| Cost of funding earning assets | 1.2120% | 132 |
| Net interest margin | 2.9638% | 4,930 |
| Noninterest income to average assets | 0.0333% | 5,510 |
| Noninterest expense to average assets | 1.9763% | 4,893 |
| Loan and lease loss provision to assets | -0.0062% | 5,402 |
| Net operating income to assets | 0.7325% | 3,974 |
| Return on assets (ROA) | 1.4714% | 1,144 |
| Pretax return on assets | 1.8047% | 905 |
| Return on Equity (ROE) | 15.3943% | 731 |
| Retained earnings to average equity (ytd only) | 13.9091% | 413 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7715% | 2,706 |
| Assets per employee ($millions) | 9.1957% | 411 |
| Cash dividends to net income (ytd only)* | 9.6477% | 2,599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0721% | 3,540 |
| Loan loss allowance to noncurrent loans | 213.1080% | 2,129 |
| Noncurrent assets plus other real estate owned to assets | 1.0458% | 1,500 |
| Noncurrent loans to loans | 0.5031% | 3,004 |
| Net loans and leases to total assets | 74.1154% | 1,839 |
| Net loans and leases to deposits | 109.2592% | 276 |
| Net loans and leases to core deposits | 123.1684% | 495 |
| Total domestic deposits to total assets | 67.8345% | 5,419 |
| Equity capital to assets | 9.9205% | 3,677 |
| Core capital (leverage) ratio | 10.0865% | 3,441 |
| Tier 1 risk-based capital ratio | 13.6620% | 3,564 |
| Total risk-based capital ratio | 17.0651% | 2,496 |
| Memoranda: | ||
| Average total assets | $324,038,500 | 2,055 |
| Average earning assets | $310,549,500 | 1,997 |
| Average equity | $30,972,500 | 2,307 |
| Average total loans | $241,423,500 | 1,891 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1937% | 2,708 |
| Cost of funding earning assets | 1.1289% | 112 |
| Net interest margin | 3.0648% | 4,757 |
| Noninterest income to average assets | -0.0253% | 5,635 |
| Noninterest expense to average assets | 1.9432% | 5,060 |
| Loan and lease loss provision to assets | 0.0928% | 2,346 |
| Net operating income to assets | 0.6574% | 3,790 |
| Return on assets (ROA) | 0.6600% | 3,824 |
| Pretax return on assets | 0.8744% | 3,992 |
| Return on Equity (ROE) | 7.1201% | 3,210 |
| Retained earnings to average equity (ytd only) | 6.0330% | 1,522 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8501% | 3,105 |
| Assets per employee ($millions) | 9.3208% | 400 |
| Cash dividends to net income (ytd only)* | 15.2690% | 3,804 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0715% | 3,497 |
| Loan loss allowance to noncurrent loans | 207.3659% | 2,225 |
| Noncurrent assets plus other real estate owned to assets | 1.0404% | 1,469 |
| Noncurrent loans to loans | 0.5167% | 2,968 |
| Net loans and leases to total assets | 73.3022% | 2,045 |
| Net loans and leases to deposits | 114.1844% | 175 |
| Net loans and leases to core deposits | 135.3220% | 265 |
| Total domestic deposits to total assets | 64.1963% | 5,550 |
| Equity capital to assets | 9.2009% | 4,526 |
| Core capital (leverage) ratio | 9.0489% | 4,588 |
| Tier 1 risk-based capital ratio | 12.3151% | 4,320 |
| Total risk-based capital ratio | 15.6711% | 3,043 |
| Memoranda: | ||
| Average total assets | $312,571,000 | 2,102 |
| Average earning assets | $299,043,800 | 2,045 |
| Average equity | $28,974,200 | 2,430 |
| Average total loans | $226,074,200 | 1,958 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1595% | 2,759 |
| Cost of funding earning assets | 1.1009% | 114 |
| Net interest margin | 3.0587% | 4,798 |
| Noninterest income to average assets | 0.0479% | 5,614 |
| Noninterest expense to average assets | 1.9519% | 5,039 |
| Loan and lease loss provision to assets | 0.0863% | 2,367 |
| Net operating income to assets | 0.7376% | 3,780 |
| Return on assets (ROA) | 0.7414% | 3,842 |
| Pretax return on assets | 0.9393% | 3,900 |
| Return on Equity (ROE) | 7.9820% | 3,130 |
| Retained earnings to average equity (ytd only) | 7.0533% | 1,663 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6608% | 3,269 |
| Assets per employee ($millions) | 9.1583% | 411 |
| Cash dividends to net income (ytd only)* | 11.6347% | 3,422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0732% | 3,648 |
| Loan loss allowance to noncurrent loans | 194.0994% | 2,285 |
| Noncurrent assets plus other real estate owned to assets | 1.1633% | 1,421 |
| Noncurrent loans to loans | 0.5529% | 3,038 |
| Net loans and leases to total assets | 71.8932% | 2,267 |
| Net loans and leases to deposits | 113.5352% | 193 |
| Net loans and leases to core deposits | 131.9931% | 309 |
| Total domestic deposits to total assets | 63.3224% | 5,623 |
| Equity capital to assets | 9.3345% | 4,620 |
| Core capital (leverage) ratio | 9.1540% | 4,560 |
| Tier 1 risk-based capital ratio | 12.5715% | 4,275 |
| Total risk-based capital ratio | 15.9845% | 2,979 |
| Memoranda: | ||
| Average total assets | $309,156,500 | 2,133 |
| Average earning assets | $295,634,250 | 2,077 |
| Average equity | $28,713,750 | 2,464 |
| Average total loans | $222,162,000 | 1,991 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1200% | 2,766 |
| Cost of funding earning assets | 1.0783% | 113 |
| Net interest margin | 3.0418% | 4,812 |
| Noninterest income to average assets | 0.0589% | 5,626 |
| Noninterest expense to average assets | 1.9786% | 5,019 |
| Loan and lease loss provision to assets | 0.0655% | 2,660 |
| Net operating income to assets | 0.7283% | 3,717 |
| Return on assets (ROA) | 0.7283% | 3,780 |
| Pretax return on assets | 0.9248% | 3,847 |
| Return on Equity (ROE) | 7.8555% | 3,120 |
| Retained earnings to average equity (ytd only) | 7.2550% | 1,473 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6446% | 3,238 |
| Assets per employee ($millions) | 8.9070% | 434 |
| Cash dividends to net income (ytd only)* | 7.6439% | 3,422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0737% | 3,725 |
| Loan loss allowance to noncurrent loans | 114.1770% | 3,320 |
| Noncurrent assets plus other real estate owned to assets | 1.1920% | 1,427 |
| Noncurrent loans to loans | 0.9404% | 2,084 |
| Net loans and leases to total assets | 70.9304% | 2,387 |
| Net loans and leases to deposits | 111.4004% | 235 |
| Net loans and leases to core deposits | 126.9386% | 367 |
| Total domestic deposits to total assets | 63.6716% | 5,669 |
| Equity capital to assets | 9.4475% | 4,459 |
| Core capital (leverage) ratio | 9.1934% | 4,500 |
| Tier 1 risk-based capital ratio | 12.6147% | 4,234 |
| Total risk-based capital ratio | 16.0545% | 2,939 |
| Memoranda: | ||
| Average total assets | $305,361,330 | 2,164 |
| Average earning assets | $292,133,000 | 2,102 |
| Average equity | $28,311,330 | 2,487 |
| Average total loans | $218,566,670 | 2,019 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0755% | 2,748 |
| Cost of funding earning assets | 1.0739% | 110 |
| Net interest margin | 3.0016% | 4,889 |
| Noninterest income to average assets | 0.0715% | 5,670 |
| Noninterest expense to average assets | 1.9751% | 5,105 |
| Loan and lease loss provision to assets | 0.0993% | 1,908 |
| Net operating income to assets | 0.6751% | 3,809 |
| Return on assets (ROA) | 0.6751% | 3,849 |
| Pretax return on assets | 0.8684% | 3,872 |
| Return on Equity (ROE) | 7.3537% | 3,235 |
| Retained earnings to average equity (ytd only) | 6.3877% | 2,142 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1165% | 3,325 |
| Assets per employee ($millions) | 8.7369% | 463 |
| Cash dividends to net income (ytd only)* | 13.1373% | 2,653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0812% | 3,819 |
| Loan loss allowance to noncurrent loans | 111.2412% | 3,432 |
| Noncurrent assets plus other real estate owned to assets | 1.1919% | 1,480 |
| Noncurrent loans to loans | 0.9719% | 2,105 |
| Net loans and leases to total assets | 69.0834% | 2,518 |
| Net loans and leases to deposits | 106.4955% | 306 |
| Net loans and leases to core deposits | 120.7203% | 447 |
| Total domestic deposits to total assets | 64.8698% | 5,732 |
| Equity capital to assets | 9.8973% | 3,876 |
| Core capital (leverage) ratio | 10.0687% | 3,416 |
| Tier 1 risk-based capital ratio | 13.7379% | 3,639 |
| Total risk-based capital ratio | 17.2415% | 2,506 |
| Memoranda: | ||
| Average total assets | $302,169,500 | 2,194 |
| Average earning assets | $289,044,000 | 2,137 |
| Average equity | $27,741,000 | 2,536 |
| Average total loans | $216,089,000 | 2,051 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1340% | 2,718 |
| Cost of funding earning assets | 1.1593% | 64 |
| Net interest margin | 2.9747% | 5,008 |
| Noninterest income to average assets | 0.1843% | 5,295 |
| Noninterest expense to average assets | 2.4429% | 4,180 |
| Loan and lease loss provision to assets | -0.0192% | 5,521 |
| Net operating income to assets | 0.4915% | 4,664 |
| Return on assets (ROA) | 0.5353% | 4,587 |
| Pretax return on assets | 0.6719% | 4,576 |
| Return on Equity (ROE) | 6.2985% | 3,848 |
| Retained earnings to average equity (ytd only) | 5.2313% | 2,180 |
| Net charge-offs to loans | -0.1499% | 5,683 |
| Credit loss provision to net charge-offs | 17.9402% | 3,685 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.3369% | 1,379 |
| Assets per employee ($millions) | 8.0503% | 597 |
| Cash dividends to net income (ytd only)* | 16.9435% | 3,827 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0823% | 3,815 |
| Loan loss allowance to noncurrent loans | 103.7906% | 3,552 |
| Noncurrent assets plus other real estate owned to assets | 1.3216% | 1,323 |
| Noncurrent loans to loans | 1.0427% | 1,995 |
| Net loans and leases to total assets | 72.5357% | 2,087 |
| Net loans and leases to deposits | 109.4551% | 242 |
| Net loans and leases to core deposits | 124.5600% | 371 |
| Total domestic deposits to total assets | 66.2699% | 5,751 |
| Equity capital to assets | 8.4028% | 5,345 |
| Core capital (leverage) ratio | 8.3723% | 5,391 |
| Tier 1 risk-based capital ratio | 11.4018% | 5,113 |
| Total risk-based capital ratio | 15.0349% | 3,497 |
| Memoranda: | ||
| Average total assets | $281,139,200 | 2,283 |
| Average earning assets | $269,979,600 | 2,210 |
| Average equity | $23,894,600 | 2,806 |
| Average total loans | $200,759,200 | 2,120 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1180% | 2,809 |
| Cost of funding earning assets | 1.1744% | 58 |
| Net interest margin | 2.9436% | 5,106 |
| Noninterest income to average assets | 0.1759% | 5,397 |
| Noninterest expense to average assets | 2.4867% | 4,025 |
| Loan and lease loss provision to assets | 0.1238% | 1,880 |
| Net operating income to assets | 0.3410% | 5,183 |
| Return on assets (ROA) | 0.4043% | 5,101 |
| Pretax return on assets | 0.4684% | 5,192 |
| Return on Equity (ROE) | 4.7433% | 4,621 |
| Retained earnings to average equity (ytd only) | 3.6892% | 3,679 |
| Net charge-offs to loans | 0.0755% | 2,243 |
| Credit loss provision to net charge-offs | 231.2500% | 1,275 |
| Earnings coverage of net charge-offs (x) | 9.6875% | 2,662 |
| Efficiency ratio | 82.7449% | 1,102 |
| Assets per employee ($millions) | 6.9727% | 899 |
| Cash dividends to net income (ytd only)* | 22.2222% | 3,139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0787% | 3,957 |
| Loan loss allowance to noncurrent loans | 81.2408% | 4,023 |
| Noncurrent assets plus other real estate owned to assets | 0.9472% | 2,189 |
| Noncurrent loans to loans | 1.3278% | 1,668 |
| Net loans and leases to total assets | 70.5699% | 2,410 |
| Net loans and leases to deposits | 106.3332% | 371 |
| Net loans and leases to core deposits | 121.9938% | 460 |
| Total domestic deposits to total assets | 66.3668% | 5,807 |
| Equity capital to assets | 8.4728% | 5,544 |
| Core capital (leverage) ratio | 8.1127% | 5,633 |
| Tier 1 risk-based capital ratio | 10.7865% | 5,478 |
| Total risk-based capital ratio | 14.3050% | 4,039 |
| Memoranda: | ||
| Average total assets | $278,971,750 | 2,297 |
| Average earning assets | $268,148,500 | 2,230 |
| Average equity | $23,780,250 | 2,836 |
| Average total loans | $197,820,250 | 2,139 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1140% | 2,806 |
| Cost of funding earning assets | 1.1897% | 55 |
| Net interest margin | 2.9243% | 5,224 |
| Noninterest income to average assets | 0.1822% | 5,403 |
| Noninterest expense to average assets | 2.4831% | 4,075 |
| Loan and lease loss provision to assets | 0.1872% | 1,159 |
| Net operating income to assets | 0.2765% | 5,380 |
| Return on assets (ROA) | 0.3723% | 5,207 |
| Pretax return on assets | 0.4323% | 5,278 |
| Return on Equity (ROE) | 4.3583% | 4,774 |
| Retained earnings to average equity (ytd only) | 3.3259% | 3,782 |
| Net charge-offs to loans | 0.1144% | 1,681 |
| Credit loss provision to net charge-offs | 231.2500% | 1,173 |
| Earnings coverage of net charge-offs (x) | 6.2768% | 2,762 |
| Efficiency ratio | 83.0111% | 1,142 |
| Assets per employee ($millions) | 6.2706% | 1,211 |
| Cash dividends to net income (ytd only)* | 23.6893% | 3,076 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0772% | 4,071 |
| Loan loss allowance to noncurrent loans | 80.4682% | 4,109 |
| Noncurrent assets plus other real estate owned to assets | 0.9689% | 2,210 |
| Noncurrent loans to loans | 1.3387% | 1,680 |
| Net loans and leases to total assets | 71.5982% | 2,231 |
| Net loans and leases to deposits | 110.2265% | 245 |
| Net loans and leases to core deposits | 127.4383% | 345 |
| Total domestic deposits to total assets | 64.9556% | 5,916 |
| Equity capital to assets | 8.4586% | 5,620 |
| Core capital (leverage) ratio | 8.0748% | 5,685 |
| Tier 1 risk-based capital ratio | 10.6329% | 5,613 |
| Total risk-based capital ratio | 14.1432% | 4,173 |
| Memoranda: | ||
| Average total assets | $276,668,670 | 2,324 |
| Average earning assets | $265,775,000 | 2,260 |
| Average equity | $23,633,000 | 2,864 |
| Average total loans | $195,778,330 | 2,161 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0738% | 2,952 |
| Cost of funding earning assets | 1.2267% | 48 |
| Net interest margin | 2.8471% | 5,400 |
| Noninterest income to average assets | 0.2190% | 5,168 |
| Noninterest expense to average assets | 2.3818% | 4,422 |
| Loan and lease loss provision to assets | 0.2278% | 814 |
| Net operating income to assets | 0.3300% | 5,213 |
| Return on assets (ROA) | 0.3300% | 5,300 |
| Pretax return on assets | 0.3446% | 5,416 |
| Return on Equity (ROE) | 3.8443% | 4,940 |
| Retained earnings to average equity (ytd only) | 2.9087% | 4,061 |
| Net charge-offs to loans | 0.2339% | 878 |
| Credit loss provision to net charge-offs | 139.2857% | 1,321 |
| Earnings coverage of net charge-offs (x) | 3.5000% | 2,534 |
| Efficiency ratio | 80.6228% | 1,534 |
| Assets per employee ($millions) | 7.3033% | 773 |
| Cash dividends to net income (ytd only)* | 24.3363% | 2,490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0832% | 4,144 |
| Loan loss allowance to noncurrent loans | 76.0058% | 4,174 |
| Noncurrent assets plus other real estate owned to assets | 0.9941% | 2,222 |
| Noncurrent loans to loans | 1.4251% | 1,673 |
| Net loans and leases to total assets | 69.0035% | 2,496 |
| Net loans and leases to deposits | 107.7531% | 290 |
| Net loans and leases to core deposits | 124.5428% | 359 |
| Total domestic deposits to total assets | 64.0386% | 5,999 |
| Equity capital to assets | 8.4965% | 5,564 |
| Core capital (leverage) ratio | 7.9471% | 5,794 |
| Tier 1 risk-based capital ratio | 10.8563% | 5,577 |
| Total risk-based capital ratio | 14.4264% | 4,075 |
| Memoranda: | ||
| Average total assets | $273,915,000 | 2,356 |
| Average earning assets | $263,146,500 | 2,279 |
| Average equity | $23,515,500 | 2,876 |
| Average total loans | $191,551,000 | 2,193 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0268% | 3,212 |
| Cost of funding earning assets | 1.0761% | 113 |
| Net interest margin | 2.9507% | 5,247 |
| Noninterest income to average assets | 0.3719% | 4,250 |
| Noninterest expense to average assets | 2.5168% | 4,175 |
| Loan and lease loss provision to assets | 0.2507% | 759 |
| Net operating income to assets | 0.3584% | 5,189 |
| Return on assets (ROA) | 0.4757% | 4,866 |
| Pretax return on assets | 0.5542% | 4,977 |
| Return on Equity (ROE) | 5.3789% | 4,337 |
| Retained earnings to average equity (ytd only) | 5.2471% | 2,243 |
| Net charge-offs to loans | 0.1993% | 1,466 |
| Credit loss provision to net charge-offs | 189.7059% | 1,454 |
| Earnings coverage of net charge-offs (x) | 5.0588% | 3,444 |
| Efficiency ratio | 79.0142% | 1,814 |
| Assets per employee ($millions) | 6.9309% | 913 |
| Cash dividends to net income (ytd only)* | 2.4510% | 4,225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0834% | 4,127 |
| Loan loss allowance to noncurrent loans | 70.8909% | 4,361 |
| Noncurrent assets plus other real estate owned to assets | 1.0714% | 2,043 |
| Noncurrent loans to loans | 1.5282% | 1,520 |
| Net loans and leases to total assets | 69.3476% | 2,477 |
| Net loans and leases to deposits | 105.1519% | 390 |
| Net loans and leases to core deposits | 135.8097% | 206 |
| Total domestic deposits to total assets | 65.9499% | 6,018 |
| Equity capital to assets | 8.6758% | 5,409 |
| Core capital (leverage) ratio | 8.4210% | 5,502 |
| Tier 1 risk-based capital ratio | 10.8824% | 5,584 |
| Total risk-based capital ratio | 14.4675% | 4,092 |
| Memoranda: | ||
| Average total assets | $257,312,200 | 2,441 |
| Average earning assets | $245,334,200 | 2,380 |
| Average equity | $22,755,400 | 2,900 |
| Average total loans | $170,559,000 | 2,350 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0274% | 3,227 |
| Cost of funding earning assets | 1.0758% | 118 |
| Net interest margin | 2.9516% | 5,303 |
| Noninterest income to average assets | 0.4130% | 3,989 |
| Noninterest expense to average assets | 2.5263% | 4,113 |
| Loan and lease loss provision to assets | 0.2262% | 815 |
| Net operating income to assets | 0.3880% | 5,204 |
| Return on assets (ROA) | 0.5400% | 4,728 |
| Pretax return on assets | 0.6513% | 4,826 |
| Return on Equity (ROE) | 6.0756% | 4,119 |
| Retained earnings to average equity (ytd only) | 5.9457% | 2,281 |
| Net charge-offs to loans | 0.1841% | 1,385 |
| Credit loss provision to net charge-offs | 188.2096% | 1,401 |
| Earnings coverage of net charge-offs (x) | 5.7772% | 3,153 |
| Efficiency ratio | 78.4422% | 1,896 |
| Assets per employee ($millions) | 7.2431% | 779 |
| Cash dividends to net income (ytd only)* | 2.1378% | 3,776 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1008% | 4,224 |
| Loan loss allowance to noncurrent loans | 64.2081% | 4,563 |
| Noncurrent assets plus other real estate owned to assets | 1.1647% | 2,039 |
| Noncurrent loans to loans | 1.7144% | 1,403 |
| Net loans and leases to total assets | 67.1879% | 2,823 |
| Net loans and leases to deposits | 100.0337% | 664 |
| Net loans and leases to core deposits | 128.8923% | 295 |
| Total domestic deposits to total assets | 67.1652% | 6,064 |
| Equity capital to assets | 8.8038% | 5,486 |
| Core capital (leverage) ratio | 8.6557% | 5,404 |
| Tier 1 risk-based capital ratio | 11.2849% | 5,496 |
| Total risk-based capital ratio | 15.0233% | 3,921 |
| Memoranda: | ||
| Average total assets | $254,064,000 | 2,491 |
| Average earning assets | $241,674,000 | 2,424 |
| Average equity | $22,581,500 | 2,930 |
| Average total loans | $165,823,000 | 2,415 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0324% | 3,150 |
| Cost of funding earning assets | 1.0822% | 109 |
| Net interest margin | 2.9501% | 5,338 |
| Noninterest income to average assets | 0.3955% | 4,108 |
| Noninterest expense to average assets | 2.5191% | 4,182 |
| Loan and lease loss provision to assets | 0.2478% | 711 |
| Net operating income to assets | 0.3549% | 5,276 |
| Return on assets (ROA) | 0.5337% | 4,744 |
| Pretax return on assets | 0.6385% | 4,865 |
| Return on Equity (ROE) | 5.9849% | 4,132 |
| Retained earnings to average equity (ytd only) | 5.8513% | 2,325 |
| Net charge-offs to loans | 0.2826% | 928 |
| Credit loss provision to net charge-offs | 136.2445% | 1,642 |
| Earnings coverage of net charge-offs (x) | 3.7031% | 3,150 |
| Efficiency ratio | 78.9055% | 1,931 |
| Assets per employee ($millions) | 6.2982% | 1,158 |
| Cash dividends to net income (ytd only)* | 2.2321% | 3,611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0912% | 4,368 |
| Loan loss allowance to noncurrent loans | 59.7000% | 4,762 |
| Noncurrent assets plus other real estate owned to assets | 1.2174% | 2,078 |
| Noncurrent loans to loans | 1.8277% | 1,386 |
| Net loans and leases to total assets | 65.8809% | 2,973 |
| Net loans and leases to deposits | 96.6493% | 899 |
| Net loans and leases to core deposits | 124.2759% | 371 |
| Total domestic deposits to total assets | 68.1648% | 6,106 |
| Equity capital to assets | 8.9962% | 5,235 |
| Core capital (leverage) ratio | 8.5721% | 5,470 |
| Tier 1 risk-based capital ratio | 11.3864% | 5,533 |
| Total risk-based capital ratio | 15.1698% | 3,908 |
| Memoranda: | ||
| Average total assets | $251,835,000 | 2,534 |
| Average earning assets | $238,768,330 | 2,470 |
| Average equity | $22,456,670 | 2,958 |
| Average total loans | $162,049,670 | 2,463 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0770% | 2,928 |
| Cost of funding earning assets | 1.0753% | 117 |
| Net interest margin | 3.0017% | 5,211 |
| Noninterest income to average assets | 0.3320% | 4,535 |
| Noninterest expense to average assets | 2.5482% | 4,107 |
| Loan and lease loss provision to assets | 0.3987% | 297 |
| Net operating income to assets | 0.1870% | 5,708 |
| Return on assets (ROA) | 0.4814% | 4,877 |
| Pretax return on assets | 0.5528% | 5,038 |
| Return on Equity (ROE) | 5.4221% | 4,323 |
| Retained earnings to average equity (ytd only) | 5.2968% | 2,890 |
| Net charge-offs to loans | 0.5755% | 429 |
| Credit loss provision to net charge-offs | 109.6070% | 1,515 |
| Earnings coverage of net charge-offs (x) | 1.6856% | 2,880 |
| Efficiency ratio | 80.6030% | 1,815 |
| Assets per employee ($millions) | 6.4892% | 1,082 |
| Cash dividends to net income (ytd only)* | 2.3102% | 2,838 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1039% | 4,501 |
| Loan loss allowance to noncurrent loans | 57.0048% | 4,813 |
| Noncurrent assets plus other real estate owned to assets | 1.2269% | 2,181 |
| Noncurrent loans to loans | 1.9365% | 1,377 |
| Net loans and leases to total assets | 62.6564% | 3,273 |
| Net loans and leases to deposits | 91.8341% | 1,207 |
| Net loans and leases to core deposits | 118.0971% | 453 |
| Total domestic deposits to total assets | 68.2279% | 6,191 |
| Equity capital to assets | 8.9799% | 5,318 |
| Core capital (leverage) ratio | 8.4540% | 5,570 |
| Tier 1 risk-based capital ratio | 11.5704% | 5,510 |
| Total risk-based capital ratio | 15.4548% | 3,806 |
| Memoranda: | ||
| Average total assets | $251,788,000 | 2,545 |
| Average earning assets | $237,333,000 | 2,496 |
| Average equity | $22,353,000 | 2,987 |
| Average total loans | $159,172,500 | 2,502 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8307% | 4,386 |
| Cost of funding earning assets | 1.0311% | 196 |
| Net interest margin | 2.7996% | 5,807 |
| Noninterest income to average assets | 0.3534% | 4,577 |
| Noninterest expense to average assets | 2.3691% | 4,922 |
| Loan and lease loss provision to assets | 0.2432% | 957 |
| Net operating income to assets | 0.3457% | 5,391 |
| Return on assets (ROA) | 0.6777% | 4,114 |
| Pretax return on assets | 0.8144% | 4,208 |
| Return on Equity (ROE) | 8.5771% | 2,801 |
| Retained earnings to average equity (ytd only) | 8.4312% | 856 |
| Net charge-offs to loans | 0.1983% | 2,082 |
| Credit loss provision to net charge-offs | 223.6749% | 1,124 |
| Earnings coverage of net charge-offs (x) | 6.0495% | 3,285 |
| Efficiency ratio | 78.2714% | 2,170 |
| Assets per employee ($millions) | 6.5921% | 1,005 |
| Cash dividends to net income (ytd only)* | 1.7007% | 4,296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1063% | 4,506 |
| Loan loss allowance to noncurrent loans | 64.1703% | 4,693 |
| Noncurrent assets plus other real estate owned to assets | 1.0874% | 2,576 |
| Noncurrent loans to loans | 1.7240% | 1,685 |
| Net loans and leases to total assets | 62.3787% | 3,456 |
| Net loans and leases to deposits | 91.5733% | 1,333 |
| Net loans and leases to core deposits | 118.2393% | 455 |
| Total domestic deposits to total assets | 68.1188% | 6,265 |
| Equity capital to assets | 8.7745% | 5,508 |
| Core capital (leverage) ratio | 8.0947% | 5,938 |
| Tier 1 risk-based capital ratio | 11.3213% | 5,756 |
| Total risk-based capital ratio | 15.2204% | 4,041 |
| Memoranda: | ||
| Average total assets | $260,306,400 | 2,427 |
| Average earning assets | $248,573,000 | 2,357 |
| Average equity | $20,566,400 | 3,098 |
| Average total loans | $142,728,000 | 2,674 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7796% | 4,622 |
| Cost of funding earning assets | 1.0221% | 226 |
| Net interest margin | 2.7574% | 5,922 |
| Noninterest income to average assets | 0.3319% | 4,782 |
| Noninterest expense to average assets | 2.2474% | 5,230 |
| Loan and lease loss provision to assets | 0.1603% | 1,554 |
| Net operating income to assets | 0.4911% | 4,905 |
| Return on assets (ROA) | 0.5932% | 4,562 |
| Pretax return on assets | 0.6698% | 4,806 |
| Return on Equity (ROE) | 7.7110% | 3,360 |
| Retained earnings to average equity (ytd only) | 7.5659% | 1,553 |
| Net charge-offs to loans | 0.0720% | 3,168 |
| Credit loss provision to net charge-offs | 421.3333% | 667 |
| Earnings coverage of net charge-offs (x) | 18.7995% | 1,817 |
| Efficiency ratio | 75.8520% | 2,512 |
| Assets per employee ($millions) | 7.3845% | 676 |
| Cash dividends to net income (ytd only)* | 1.8818% | 3,786 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1040% | 4,729 |
| Loan loss allowance to noncurrent loans | 55.5029% | 4,941 |
| Noncurrent assets plus other real estate owned to assets | 1.1426% | 2,666 |
| Noncurrent loans to loans | 1.9892% | 1,596 |
| Net loans and leases to total assets | 56.8046% | 4,228 |
| Net loans and leases to deposits | 89.1376% | 1,534 |
| Net loans and leases to core deposits | 115.6588% | 520 |
| Total domestic deposits to total assets | 63.7269% | 6,440 |
| Equity capital to assets | 8.4239% | 5,859 |
| Core capital (leverage) ratio | 7.5069% | 6,282 |
| Tier 1 risk-based capital ratio | 10.9032% | 6,044 |
| Total risk-based capital ratio | 14.7096% | 4,511 |
| Memoranda: | ||
| Average total assets | $262,758,250 | 2,425 |
| Average earning assets | $250,710,500 | 2,352 |
| Average equity | $20,213,000 | 3,147 |
| Average total loans | $138,908,500 | 2,746 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6848% | 4,910 |
| Cost of funding earning assets | 1.0181% | 237 |
| Net interest margin | 2.6666% | 6,088 |
| Noninterest income to average assets | 0.2710% | 5,268 |
| Noninterest expense to average assets | 2.1984% | 5,415 |
| Loan and lease loss provision to assets | 0.1537% | 1,607 |
| Net operating income to assets | 0.4625% | 4,963 |
| Return on assets (ROA) | 0.4777% | 4,973 |
| Pretax return on assets | 0.4800% | 5,333 |
| Return on Equity (ROE) | 6.4083% | 3,937 |
| Retained earnings to average equity (ytd only) | 6.2559% | 2,179 |
| Net charge-offs to loans | 0.1105% | 2,560 |
| Credit loss provision to net charge-offs | 270.6667% | 932 |
| Earnings coverage of net charge-offs (x) | 10.8933% | 2,200 |
| Efficiency ratio | 78.0435% | 2,286 |
| Assets per employee ($millions) | 7.9588% | 506 |
| Cash dividends to net income (ytd only)* | 2.3772% | 3,613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0601% | 5,073 |
| Loan loss allowance to noncurrent loans | 50.1479% | 5,164 |
| Noncurrent assets plus other real estate owned to assets | 1.0924% | 2,882 |
| Noncurrent loans to loans | 2.1139% | 1,569 |
| Net loans and leases to total assets | 51.1306% | 4,844 |
| Net loans and leases to deposits | 79.8409% | 2,536 |
| Net loans and leases to core deposits | 111.7467% | 611 |
| Total domestic deposits to total assets | 64.0407% | 6,509 |
| Equity capital to assets | 7.5033% | 6,347 |
| Core capital (leverage) ratio | 7.1548% | 6,402 |
| Tier 1 risk-based capital ratio | 10.6922% | 6,181 |
| Total risk-based capital ratio | 14.4665% | 4,710 |
| Memoranda: | ||
| Average total assets | $264,192,330 | 2,419 |
| Average earning assets | $252,228,670 | 2,337 |
| Average equity | $19,693,330 | 3,203 |
| Average total loans | $135,726,670 | 2,781 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6522% | 4,998 |
| Cost of funding earning assets | 1.0456% | 215 |
| Net interest margin | 2.6066% | 6,229 |
| Noninterest income to average assets | 0.2630% | 5,257 |
| Noninterest expense to average assets | 2.2801% | 5,248 |
| Loan and lease loss provision to assets | 0.2226% | 1,012 |
| Net operating income to assets | 0.2895% | 5,533 |
| Return on assets (ROA) | 0.3004% | 5,535 |
| Pretax return on assets | 0.2584% | 5,809 |
| Return on Equity (ROE) | 4.0441% | 5,009 |
| Retained earnings to average equity (ytd only) | 3.8974% | 3,777 |
| Net charge-offs to loans | 0.2279% | 1,408 |
| Credit loss provision to net charge-offs | 190.6667% | 1,082 |
| Earnings coverage of net charge-offs (x) | 4.0267% | 2,582 |
| Efficiency ratio | 82.9089% | 1,811 |
| Assets per employee ($millions) | 7.0845% | 778 |
| Cash dividends to net income (ytd only)* | 3.6269% | 2,791 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0931% | 5,148 |
| Loan loss allowance to noncurrent loans | 49.5270% | 5,213 |
| Noncurrent assets plus other real estate owned to assets | 1.1292% | 2,992 |
| Noncurrent loans to loans | 2.2070% | 1,647 |
| Net loans and leases to total assets | 50.6058% | 4,840 |
| Net loans and leases to deposits | 78.6314% | 2,468 |
| Net loans and leases to core deposits | 100.6701% | 1,058 |
| Total domestic deposits to total assets | 64.3583% | 6,580 |
| Equity capital to assets | 7.4906% | 6,318 |
| Core capital (leverage) ratio | 7.5018% | 6,339 |
| Tier 1 risk-based capital ratio | 11.9274% | 5,689 |
| Total risk-based capital ratio | 16.1987% | 3,691 |
| Memoranda: | ||
| Average total assets | $257,009,000 | 2,489 |
| Average earning assets | $245,222,500 | 2,396 |
| Average equity | $19,089,500 | 3,266 |
| Average total loans | $131,612,500 | 2,853 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6677% | 5,227 |
| Cost of funding earning assets | 1.0440% | 366 |
| Net interest margin | 2.6236% | 6,238 |
| Noninterest income to average assets | 0.4403% | 4,158 |
| Noninterest expense to average assets | 2.4561% | 4,903 |
| Loan and lease loss provision to assets | 0.1042% | 3,059 |
| Net operating income to assets | 0.3289% | 5,415 |
| Return on assets (ROA) | 0.5629% | 4,560 |
| Pretax return on assets | 0.6421% | 4,732 |
| Return on Equity (ROE) | 6.9865% | 3,561 |
| Retained earnings to average equity (ytd only) | 6.8263% | 1,519 |
| Net charge-offs to loans | 0.0213% | 5,008 |
| Credit loss provision to net charge-offs | 968.0000% | 267 |
| Earnings coverage of net charge-offs (x) | 44.6400% | 863 |
| Efficiency ratio | 83.6436% | 1,670 |
| Assets per employee ($millions) | 6.9969% | 772 |
| Cash dividends to net income (ytd only)* | 2.2936% | 4,250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0828% | 5,236 |
| Loan loss allowance to noncurrent loans | 46.1234% | 5,418 |
| Noncurrent assets plus other real estate owned to assets | 1.2033% | 2,991 |
| Noncurrent loans to loans | 2.3477% | 1,634 |
| Net loans and leases to total assets | 50.7003% | 5,007 |
| Net loans and leases to deposits | 77.0808% | 2,845 |
| Net loans and leases to core deposits | 98.9034% | 1,239 |
| Total domestic deposits to total assets | 65.7755% | 6,635 |
| Equity capital to assets | 7.3619% | 6,342 |
| Core capital (leverage) ratio | 7.7562% | 6,271 |
| Tier 1 risk-based capital ratio | 12.3188% | 5,419 |
| Total risk-based capital ratio | 16.7315% | 3,341 |
| Memoranda: | ||
| Average total assets | $232,356,600 | 2,698 |
| Average earning assets | $221,067,000 | 2,605 |
| Average equity | $18,721,800 | 3,309 |
| Average total loans | $117,231,200 | 3,097 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6605% | 5,275 |
| Cost of funding earning assets | 1.0689% | 359 |
| Net interest margin | 2.5916% | 6,325 |
| Noninterest income to average assets | 0.4812% | 3,931 |
| Noninterest expense to average assets | 2.5057% | 4,702 |
| Loan and lease loss provision to assets | 0.1108% | 2,918 |
| Net operating income to assets | 0.2811% | 5,673 |
| Return on assets (ROA) | 0.5721% | 4,609 |
| Pretax return on assets | 0.6711% | 4,789 |
| Return on Equity (ROE) | 6.9343% | 3,692 |
| Retained earnings to average equity (ytd only) | 6.7708% | 1,987 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.0746% | 1,461 |
| Assets per employee ($millions) | 6.7409% | 835 |
| Cash dividends to net income (ytd only)* | 2.3569% | 3,697 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0789% | 5,409 |
| Loan loss allowance to noncurrent loans | 99.0600% | 3,496 |
| Noncurrent assets plus other real estate owned to assets | 0.5699% | 4,741 |
| Noncurrent loans to loans | 1.0891% | 3,614 |
| Net loans and leases to total assets | 51.7620% | 4,900 |
| Net loans and leases to deposits | 76.0976% | 2,956 |
| Net loans and leases to core deposits | 97.5983% | 1,269 |
| Total domestic deposits to total assets | 68.0206% | 6,663 |
| Equity capital to assets | 7.5044% | 6,396 |
| Core capital (leverage) ratio | 7.8070% | 6,327 |
| Tier 1 risk-based capital ratio | 12.3963% | 5,519 |
| Total risk-based capital ratio | 13.3111% | 5,679 |
| Memoranda: | ||
| Average total assets | $227,473,250 | 2,767 |
| Average earning assets | $216,283,500 | 2,673 |
| Average equity | $18,766,250 | 3,340 |
| Average total loans | $114,262,250 | 3,180 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6008% | 5,435 |
| Cost of funding earning assets | 1.1297% | 290 |
| Net interest margin | 2.4710% | 6,478 |
| Noninterest income to average assets | 0.5180% | 3,717 |
| Noninterest expense to average assets | 2.6303% | 4,282 |
| Loan and lease loss provision to assets | 0.1394% | 2,583 |
| Net operating income to assets | 0.0895% | 6,149 |
| Return on assets (ROA) | 0.5153% | 4,903 |
| Pretax return on assets | 0.5791% | 5,102 |
| Return on Equity (ROE) | 6.0471% | 4,146 |
| Retained earnings to average equity (ytd only) | 5.8888% | 2,498 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.6353% | 918 |
| Assets per employee ($millions) | 6.4354% | 933 |
| Cash dividends to net income (ytd only)* | 2.6178% | 3,475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1007% | 5,442 |
| Loan loss allowance to noncurrent loans | 96.3230% | 3,552 |
| Noncurrent assets plus other real estate owned to assets | 0.5987% | 4,753 |
| Noncurrent loans to loans | 1.1427% | 3,640 |
| Net loans and leases to total assets | 51.8144% | 4,885 |
| Net loans and leases to deposits | 72.3937% | 3,397 |
| Net loans and leases to core deposits | 93.2567% | 1,596 |
| Total domestic deposits to total assets | 71.5731% | 6,583 |
| Equity capital to assets | 7.8351% | 6,305 |
| Core capital (leverage) ratio | 8.0626% | 6,137 |
| Tier 1 risk-based capital ratio | 12.3034% | 5,622 |
| Total risk-based capital ratio | 13.2084% | 5,765 |
| Memoranda: | ||
| Average total assets | $222,407,000 | 2,815 |
| Average earning assets | $211,733,330 | 2,722 |
| Average equity | $18,951,330 | 3,337 |
| Average total loans | $110,022,330 | 3,272 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6108% | 5,424 |
| Cost of funding earning assets | 1.2055% | 226 |
| Net interest margin | 2.4053% | 6,593 |
| Noninterest income to average assets | 0.4629% | 4,034 |
| Noninterest expense to average assets | 2.6101% | 4,373 |
| Loan and lease loss provision to assets | 0.0459% | 3,842 |
| Net operating income to assets | 0.0887% | 6,169 |
| Return on assets (ROA) | 0.4959% | 4,840 |
| Pretax return on assets | 0.5400% | 5,148 |
| Return on Equity (ROE) | 5.5811% | 4,274 |
| Retained earnings to average equity (ytd only) | 5.4364% | 2,987 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.7965% | 791 |
| Assets per employee ($millions) | 6.0096% | 1,246 |
| Cash dividends to net income (ytd only)* | 2.5926% | 2,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1074% | 5,575 |
| Loan loss allowance to noncurrent loans | 255.5085% | 1,537 |
| Noncurrent assets plus other real estate owned to assets | 0.2123% | 5,928 |
| Noncurrent loans to loans | 0.4334% | 5,337 |
| Net loans and leases to total assets | 48.4363% | 5,183 |
| Net loans and leases to deposits | 67.7563% | 3,796 |
| Net loans and leases to core deposits | 86.5491% | 2,055 |
| Total domestic deposits to total assets | 71.4860% | 6,683 |
| Equity capital to assets | 8.7086% | 5,804 |
| Core capital (leverage) ratio | 8.2658% | 5,858 |
| Tier 1 risk-based capital ratio | 13.0784% | 5,159 |
| Total risk-based capital ratio | 13.9614% | 5,371 |
| Memoranda: | ||
| Average total assets | $217,773,000 | 2,900 |
| Average earning assets | $207,378,000 | 2,819 |
| Average equity | $19,351,000 | 3,331 |
| Average total loans | $104,345,000 | 3,409 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8703% | 5,668 |
| Cost of funding earning assets | 1.2292% | 502 |
| Net interest margin | 2.6411% | 6,596 |
| Noninterest income to average assets | 0.5757% | 3,410 |
| Noninterest expense to average assets | 2.5537% | 4,922 |
| Loan and lease loss provision to assets | 0.1109% | 4,247 |
| Net operating income to assets | 0.3444% | 5,315 |
| Return on assets (ROA) | 0.7872% | 3,592 |
| Pretax return on assets | 0.9820% | 3,608 |
| Return on Equity (ROE) | 8.2562% | 2,979 |
| Retained earnings to average equity (ytd only) | 6.3756% | 1,889 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5599% | 1,799 |
| Assets per employee ($millions) | 6.2704% | 1,126 |
| Cash dividends to net income (ytd only)* | 22.7781% | 3,651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1836% | 5,196 |
| Loan loss allowance to noncurrent loans | 71.3164% | 4,214 |
| Noncurrent assets plus other real estate owned to assets | 0.7768% | 4,519 |
| Noncurrent loans to loans | 1.6596% | 3,139 |
| Net loans and leases to total assets | 46.2508% | 5,588 |
| Net loans and leases to deposits | 61.9097% | 4,794 |
| Net loans and leases to core deposits | 79.0367% | 3,146 |
| Total domestic deposits to total assets | 74.7068% | 6,472 |
| Equity capital to assets | 9.0707% | 5,440 |
| Core capital (leverage) ratio | 8.3757% | 5,791 |
| Tier 1 risk-based capital ratio | 12.9634% | 5,136 |
| Total risk-based capital ratio | 13.8343% | 5,362 |
| Memoranda: | ||
| Average total assets | $192,971,400 | 3,138 |
| Average earning assets | $183,938,400 | 3,042 |
| Average equity | $18,398,400 | 3,424 |
| Average total loans | $88,697,400 | 3,780 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9855% | 5,558 |
| Cost of funding earning assets | 1.2719% | 496 |
| Net interest margin | 2.7136% | 6,627 |
| Noninterest income to average assets | 0.5719% | 3,460 |
| Noninterest expense to average assets | 2.5401% | 4,959 |
| Loan and lease loss provision to assets | 0.1518% | 3,638 |
| Net operating income to assets | 0.3493% | 5,434 |
| Return on assets (ROA) | 0.9252% | 3,076 |
| Pretax return on assets | 1.2232% | 2,902 |
| Return on Equity (ROE) | 9.5721% | 2,556 |
| Retained earnings to average equity (ytd only) | 9.4106% | 1,092 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.4494% | 2,024 |
| Assets per employee ($millions) | 6.1759% | 1,135 |
| Cash dividends to net income (ytd only)* | 1.6870% | 3,691 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2750% | 4,922 |
| Loan loss allowance to noncurrent loans | 267.1946% | 1,374 |
| Noncurrent assets plus other real estate owned to assets | 0.2169% | 6,170 |
| Noncurrent loans to loans | 0.4772% | 5,496 |
| Net loans and leases to total assets | 44.8684% | 5,884 |
| Net loans and leases to deposits | 62.4805% | 4,905 |
| Net loans and leases to core deposits | 81.4182% | 3,032 |
| Total domestic deposits to total assets | 71.8118% | 6,752 |
| Equity capital to assets | 9.5474% | 5,144 |
| Core capital (leverage) ratio | 8.8424% | 5,277 |
| Tier 1 risk-based capital ratio | 14.2963% | 4,333 |
| Total risk-based capital ratio | 15.2518% | 4,473 |
| Memoranda: | ||
| Average total assets | $187,916,250 | 3,230 |
| Average earning assets | $179,044,500 | 3,141 |
| Average equity | $18,163,500 | 3,480 |
| Average total loans | $85,925,750 | 3,890 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0843% | 5,372 |
| Cost of funding earning assets | 1.3538% | 422 |
| Net interest margin | 2.7305% | 6,673 |
| Noninterest income to average assets | 0.4797% | 4,059 |
| Noninterest expense to average assets | 2.5057% | 5,115 |
| Loan and lease loss provision to assets | 0.2048% | 3,021 |
| Net operating income to assets | 0.2979% | 5,627 |
| Return on assets (ROA) | 0.6670% | 4,288 |
| Pretax return on assets | 0.8247% | 4,385 |
| Return on Equity (ROE) | 6.8689% | 3,847 |
| Retained earnings to average equity (ytd only) | 6.6998% | 2,271 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.3656% | 1,981 |
| Assets per employee ($millions) | 6.2652% | 1,087 |
| Cash dividends to net income (ytd only)* | 2.4631% | 3,495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2917% | 4,927 |
| Loan loss allowance to noncurrent loans | 254.7461% | 1,376 |
| Noncurrent assets plus other real estate owned to assets | 0.2332% | 6,187 |
| Noncurrent loans to loans | 0.5071% | 5,516 |
| Net loans and leases to total assets | 45.4047% | 5,880 |
| Net loans and leases to deposits | 60.9568% | 5,142 |
| Net loans and leases to core deposits | 82.4884% | 2,900 |
| Total domestic deposits to total assets | 74.4867% | 6,639 |
| Equity capital to assets | 9.4728% | 5,100 |
| Core capital (leverage) ratio | 9.4447% | 4,221 |
| Tier 1 risk-based capital ratio | 14.5145% | 4,092 |
| Total risk-based capital ratio | 15.5018% | 4,233 |
| Memoranda: | ||
| Average total assets | $182,620,000 | 3,316 |
| Average earning assets | $173,886,330 | 3,222 |
| Average equity | $17,732,000 | 3,536 |
| Average total loans | $83,692,670 | 3,990 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2400% | 4,960 |
| Cost of funding earning assets | 1.4450% | 357 |
| Net interest margin | 2.7950% | 6,648 |
| Noninterest income to average assets | 0.2850% | 5,594 |
| Noninterest expense to average assets | 2.3730% | 5,561 |
| Loan and lease loss provision to assets | 0.2692% | 2,304 |
| Net operating income to assets | 0.2544% | 5,803 |
| Return on assets (ROA) | 0.5022% | 5,030 |
| Pretax return on assets | 0.6017% | 5,113 |
| Return on Equity (ROE) | 5.1037% | 4,738 |
| Retained earnings to average equity (ytd only) | 4.9428% | 3,589 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5684% | 2,134 |
| Assets per employee ($millions) | 6.8555% | 812 |
| Cash dividends to net income (ytd only)* | 3.1532% | 2,689 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2860% | 5,084 |
| Loan loss allowance to noncurrent loans | 230.0847% | 1,442 |
| Noncurrent assets plus other real estate owned to assets | 0.2550% | 6,249 |
| Noncurrent loans to loans | 0.5589% | 5,538 |
| Net loans and leases to total assets | 45.0361% | 5,892 |
| Net loans and leases to deposits | 62.4231% | 4,859 |
| Net loans and leases to core deposits | 83.4202% | 2,620 |
| Total domestic deposits to total assets | 72.1466% | 6,869 |
| Equity capital to assets | 9.6787% | 4,553 |
| Core capital (leverage) ratio | 9.1626% | 4,584 |
| Tier 1 risk-based capital ratio | 14.5439% | 4,067 |
| Total risk-based capital ratio | 15.4971% | 4,255 |
| Memoranda: | ||
| Average total assets | $176,820,000 | 3,428 |
| Average earning assets | $168,300,500 | 3,314 |
| Average equity | $17,399,000 | 3,591 |
| Average total loans | $80,869,500 | 4,100 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3097% | 5,734 |
| Cost of funding earning assets | 1.5553% | 570 |
| Net interest margin | 2.7544% | 6,877 |
| Noninterest income to average assets | 0.1440% | 6,428 |
| Noninterest expense to average assets | 2.6754% | 4,835 |
| Loan and lease loss provision to assets | 0.2210% | 3,987 |
| Net operating income to assets | -0.1476% | 6,202 |
| Return on assets (ROA) | 0.9214% | 2,635 |
| Pretax return on assets | 0.9214% | 3,543 |
| Return on Equity (ROE) | 9.4095% | 2,284 |
| Retained earnings to average equity (ytd only) | 9.3157% | 721 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.3285% | 759 |
| Assets per employee ($millions) | 7.6610% | 537 |
| Cash dividends to net income (ytd only)* | 0.9962% | 4,065 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2511% | 5,164 |
| Loan loss allowance to noncurrent loans | 204.8729% | 1,609 |
| Noncurrent assets plus other real estate owned to assets | 0.2800% | 6,263 |
| Noncurrent loans to loans | 0.6107% | 5,493 |
| Net loans and leases to total assets | 45.2854% | 6,078 |
| Net loans and leases to deposits | 62.1990% | 5,216 |
| Net loans and leases to core deposits | 85.1015% | 2,736 |
| Total domestic deposits to total assets | 72.8074% | 6,827 |
| Equity capital to assets | 10.0171% | 4,152 |
| Core capital (leverage) ratio | 10.4594% | 2,777 |
| Tier 1 risk-based capital ratio | 15.2538% | 3,481 |
| Total risk-based capital ratio | 16.1565% | 3,666 |
| Memoranda: | ||
| Average total assets | $141,625,800 | 3,945 |
| Average earning assets | $133,929,400 | 3,854 |
| Average equity | $13,869,000 | 4,137 |
| Average total loans | $62,148,400 | 4,788 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4257% | 5,521 |
| Cost of funding earning assets | 1.6383% | 503 |
| Net interest margin | 2.7874% | 6,897 |
| Noninterest income to average assets | 0.1245% | 6,637 |
| Noninterest expense to average assets | 2.8456% | 4,167 |
| Loan and lease loss provision to assets | 0.1660% | 4,397 |
| Net operating income to assets | -0.2570% | 6,444 |
| Return on assets (ROA) | 1.2394% | 1,645 |
| Pretax return on assets | 1.2394% | 2,489 |
| Return on Equity (ROE) | 12.7480% | 1,345 |
| Retained earnings to average equity (ytd only) | 12.6870% | 411 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.3010% | 574 |
| Assets per employee ($millions) | 6.6125% | 893 |
| Cash dividends to net income (ytd only)* | 0.4785% | 3,506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2503% | 5,247 |
| Loan loss allowance to noncurrent loans | 174.1525% | 1,756 |
| Noncurrent assets plus other real estate owned to assets | 0.3245% | 6,261 |
| Noncurrent loans to loans | 0.7179% | 5,444 |
| Net loans and leases to total assets | 44.6293% | 6,269 |
| Net loans and leases to deposits | 56.5348% | 5,977 |
| Net loans and leases to core deposits | 72.4291% | 4,659 |
| Total domestic deposits to total assets | 78.9413% | 5,998 |
| Equity capital to assets | 11.5780% | 2,617 |
| Core capital (leverage) ratio | 11.0973% | 2,318 |
| Tier 1 risk-based capital ratio | 17.6039% | 2,395 |
| Total risk-based capital ratio | 18.4927% | 2,511 |
| Memoranda: | ||
| Average total assets | $134,896,750 | 4,101 |
| Average earning assets | $127,283,750 | 4,009 |
| Average equity | $13,115,500 | 4,325 |
| Average total loans | $58,362,500 | 4,977 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4420% | 5,550 |
| Cost of funding earning assets | 1.6647% | 541 |
| Net interest margin | 2.7773% | 6,952 |
| Noninterest income to average assets | 0.1248% | 6,706 |
| Noninterest expense to average assets | 2.5516% | 5,349 |
| Loan and lease loss provision to assets | 0.1005% | 5,064 |
| Net operating income to assets | 0.0913% | 6,036 |
| Return on assets (ROA) | 0.2451% | 5,703 |
| Pretax return on assets | 0.2451% | 5,821 |
| Return on Equity (ROE) | 2.7120% | 5,517 |
| Retained earnings to average equity (ytd only) | 2.7120% | 4,561 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.0078% | 1,042 |
| Assets per employee ($millions) | 5.6857% | 1,407 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2405% | 5,360 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 42.0084% | 6,593 |
| Net loans and leases to deposits | 55.3450% | 6,192 |
| Net loans and leases to core deposits | 72.3081% | 4,778 |
| Total domestic deposits to total assets | 75.9029% | 6,612 |
| Equity capital to assets | 9.3862% | 5,005 |
| Core capital (leverage) ratio | 9.1846% | 4,438 |
| Tier 1 risk-based capital ratio | 15.2992% | 3,350 |
| Total risk-based capital ratio | 16.2007% | 3,490 |
| Memoranda: | ||
| Average total assets | $131,371,000 | 4,196 |
| Average earning assets | $123,863,000 | 4,118 |
| Average equity | $11,873,000 | 4,588 |
| Average total loans | $55,901,330 | 5,128 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3390% | 5,889 |
| Cost of funding earning assets | 1.6592% | 654 |
| Net interest margin | 2.6798% | 7,033 |
| Noninterest income to average assets | 0.1366% | 6,726 |
| Noninterest expense to average assets | 2.4311% | 5,790 |
| Loan and lease loss provision to assets | 0.1521% | 4,122 |
| Net operating income to assets | 0.0807% | 6,143 |
| Return on assets (ROA) | 0.0807% | 6,197 |
| Pretax return on assets | 0.0807% | 6,216 |
| Return on Equity (ROE) | 0.9118% | 6,160 |
| Retained earnings to average equity (ytd only) | 0.9118% | 5,465 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.2587% | 1,222 |
| Assets per employee ($millions) | 6.7164% | 841 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2504% | 5,388 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 39.3640% | 6,825 |
| Net loans and leases to deposits | 56.3533% | 6,098 |
| Net loans and leases to core deposits | 76.0426% | 4,298 |
| Total domestic deposits to total assets | 69.8522% | 7,184 |
| Equity capital to assets | 8.8844% | 5,373 |
| Core capital (leverage) ratio | 9.8897% | 3,285 |
| Tier 1 risk-based capital ratio | 14.8114% | 3,536 |
| Total risk-based capital ratio | 15.6739% | 3,750 |
| Memoranda: | ||
| Average total assets | $128,828,500 | 4,284 |
| Average earning assets | $121,503,000 | 4,184 |
| Average equity | $11,405,500 | 4,693 |
| Average total loans | $54,830,500 | 5,219 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9576% | 7,161 |
| Cost of funding earning assets | 1.4046% | 3,240 |
| Net interest margin | 2.5530% | 7,238 |
| Noninterest income to average assets | 0.2705% | 5,851 |
| Noninterest expense to average assets | 2.4226% | 6,040 |
| Loan and lease loss provision to assets | 0.1963% | 5,270 |
| Net operating income to assets | 0.0489% | 5,699 |
| Return on assets (ROA) | 0.5636% | 3,990 |
| Pretax return on assets | 0.5636% | 4,438 |
| Return on Equity (ROE) | 6.2528% | 3,479 |
| Retained earnings to average equity (ytd only) | 6.2528% | 1,690 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.8104% | 1,257 |
| Assets per employee ($millions) | 6.1375% | 1,117 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2239% | 5,396 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 45.2638% | 6,616 |
| Net loans and leases to deposits | 60.3372% | 6,018 |
| Net loans and leases to core deposits | 75.6398% | 4,764 |
| Total domestic deposits to total assets | 75.0180% | 6,768 |
| Equity capital to assets | 8.8156% | 5,408 |
| Core capital (leverage) ratio | 9.2858% | 4,031 |
| Tier 1 risk-based capital ratio | 13.6982% | 4,062 |
| Total risk-based capital ratio | 14.5882% | 4,304 |
| Memoranda: | ||
| Average total assets | $110,541,600 | 4,699 |
| Average earning assets | $103,799,800 | 4,611 |
| Average equity | $9,963,600 | 5,149 |
| Average total loans | $45,664,000 | 5,673 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8832% | 7,351 |
| Cost of funding earning assets | 1.3648% | 3,806 |
| Net interest margin | 2.5184% | 7,364 |
| Noninterest income to average assets | 0.2275% | 6,274 |
| Noninterest expense to average assets | 2.3908% | 6,059 |
| Loan and lease loss provision to assets | 0.2409% | 4,673 |
| Net operating income to assets | -0.0416% | 6,085 |
| Return on assets (ROA) | 0.5772% | 4,131 |
| Pretax return on assets | 0.5772% | 4,669 |
| Return on Equity (ROE) | 6.3667% | 3,640 |
| Retained earnings to average equity (ytd only) | 6.3667% | 2,164 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.3041% | 1,103 |
| Assets per employee ($millions) | 7.3724% | 658 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2617% | 5,155 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 42.0612% | 6,972 |
| Net loans and leases to deposits | 59.5390% | 6,349 |
| Net loans and leases to core deposits | 75.7331% | 5,090 |
| Total domestic deposits to total assets | 70.6449% | 7,243 |
| Equity capital to assets | 8.7488% | 5,941 |
| Core capital (leverage) ratio | 9.4079% | 4,043 |
| Tier 1 risk-based capital ratio | 13.8047% | 3,979 |
| Total risk-based capital ratio | 14.6957% | 4,188 |
| Memoranda: | ||
| Average total assets | $109,024,000 | 4,798 |
| Average earning assets | $102,283,750 | 4,715 |
| Average equity | $9,884,500 | 5,231 |
| Average total loans | $43,720,750 | 5,841 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8019% | 7,481 |
| Cost of funding earning assets | 1.3646% | 4,090 |
| Net interest margin | 2.4373% | 7,455 |
| Noninterest income to average assets | 0.1754% | 6,646 |
| Noninterest expense to average assets | 2.4687% | 5,841 |
| Loan and lease loss provision to assets | 0.2565% | 4,370 |
| Net operating income to assets | -0.2659% | 6,434 |
| Return on assets (ROA) | 0.5828% | 4,086 |
| Pretax return on assets | 0.5828% | 4,614 |
| Return on Equity (ROE) | 6.3454% | 3,624 |
| Retained earnings to average equity (ytd only) | 6.3454% | 2,144 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.3834% | 789 |
| Assets per employee ($millions) | 6.9693% | 778 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2500% | 5,185 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 40.5953% | 7,129 |
| Net loans and leases to deposits | 60.4075% | 6,379 |
| Net loans and leases to core deposits | 79.2684% | 4,777 |
| Total domestic deposits to total assets | 67.2024% | 7,469 |
| Equity capital to assets | 8.7805% | 5,778 |
| Core capital (leverage) ratio | 10.0695% | 3,094 |
| Tier 1 risk-based capital ratio | 14.5538% | 3,414 |
| Total risk-based capital ratio | 15.4180% | 3,581 |
| Memoranda: | ||
| Average total assets | $106,045,670 | 4,911 |
| Average earning assets | $99,372,670 | 4,829 |
| Average equity | $9,739,330 | 5,276 |
| Average total loans | $41,544,670 | 5,977 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7062% | 7,633 |
| Cost of funding earning assets | 1.3349% | 4,596 |
| Net interest margin | 2.3713% | 7,550 |
| Noninterest income to average assets | 0.2052% | 6,498 |
| Noninterest expense to average assets | 2.6250% | 5,250 |
| Loan and lease loss provision to assets | 0.3949% | 3,000 |
| Net operating income to assets | -0.6001% | 6,897 |
| Return on assets (ROA) | 0.9911% | 2,283 |
| Pretax return on assets | 0.9911% | 3,125 |
| Return on Equity (ROE) | 10.5420% | 1,928 |
| Retained earnings to average equity (ytd only) | 10.5420% | 1,026 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 108.4800% | 634 |
| Assets per employee ($millions) | 6.4759% | 1,007 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2750% | 5,066 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 40.2789% | 7,234 |
| Net loans and leases to deposits | 65.4995% | 5,877 |
| Net loans and leases to core deposits | 74.9834% | 5,387 |
| Total domestic deposits to total assets | 61.4950% | 7,728 |
| Equity capital to assets | 9.3876% | 4,694 |
| Core capital (leverage) ratio | 10.8327% | 2,348 |
| Tier 1 risk-based capital ratio | 15.1322% | 3,052 |
| Total risk-based capital ratio | 15.9849% | 3,199 |
| Memoranda: | ||
| Average total assets | $103,314,500 | 5,052 |
| Average earning assets | $96,487,500 | 4,971 |
| Average equity | $9,713,500 | 5,320 |
| Average total loans | $39,397,000 | 6,152 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2166% | 7,596 |
| Cost of funding earning assets | 1.7451% | 4,276 |
| Net interest margin | 2.4715% | 7,451 |
| Noninterest income to average assets | 0.2090% | 6,608 |
| Noninterest expense to average assets | 3.0993% | 3,747 |
| Loan and lease loss provision to assets | 0.2446% | 5,428 |
| Net operating income to assets | -0.8222% | 6,455 |
| Return on assets (ROA) | 0.2928% | 4,643 |
| Pretax return on assets | 0.2928% | 4,779 |
| Return on Equity (ROE) | 2.6844% | 4,630 |
| Retained earnings to average equity (ytd only) | 2.6844% | 3,271 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 122.9053% | 562 |
| Assets per employee ($millions) | 6.0596% | 1,211 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1966% | 5,385 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 35.0273% | 7,561 |
| Net loans and leases to deposits | 60.2589% | 6,614 |
| Net loans and leases to core deposits | 92.2815% | 4,851 |
| Total domestic deposits to total assets | 58.1280% | 7,833 |
| Equity capital to assets | 9.4162% | 4,531 |
| Core capital (leverage) ratio | 10.2968% | 2,789 |
| Tier 1 risk-based capital ratio | 15.5864% | 2,682 |
| Total risk-based capital ratio | 16.3211% | 2,857 |
| Memoranda: | ||
| Average total assets | $87,083,600 | 5,486 |
| Average earning assets | $81,487,600 | 5,410 |
| Average equity | $9,499,200 | 5,446 |
| Average total loans | $28,748,600 | 6,706 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2177% | 7,714 |
| Cost of funding earning assets | 1.8593% | 4,102 |
| Net interest margin | 2.3584% | 7,596 |
| Noninterest income to average assets | 0.2198% | 6,655 |
| Noninterest expense to average assets | 3.2714% | 3,024 |
| Loan and lease loss provision to assets | 0.1556% | 5,793 |
| Net operating income to assets | -1.0012% | 6,830 |
| Return on assets (ROA) | -0.1797% | 6,042 |
| Pretax return on assets | -0.1797% | 5,950 |
| Return on Equity (ROE) | -1.5804% | 6,033 |
| Retained earnings to average equity (ytd only) | -1.5804% | 5,629 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 134.8545% | 424 |
| Assets per employee ($millions) | 6.5501% | 964 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0243% | 6,135 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 31.5712% | 7,765 |
| Net loans and leases to deposits | 54.9038% | 7,151 |
| Net loans and leases to core deposits | 91.3721% | 5,294 |
| Total domestic deposits to total assets | 57.5027% | 7,909 |
| Equity capital to assets | 9.8544% | 4,279 |
| Core capital (leverage) ratio | 10.6075% | 2,704 |
| Tier 1 risk-based capital ratio | 15.5388% | 2,802 |
| Total risk-based capital ratio | 16.0991% | 3,054 |
| Memoranda: | ||
| Average total assets | $83,101,000 | 5,653 |
| Average earning assets | $77,734,750 | 5,567 |
| Average equity | $9,449,000 | 5,503 |
| Average total loans | $26,805,750 | 6,866 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2615% | 7,794 |
| Cost of funding earning assets | 2.0114% | 3,721 |
| Net interest margin | 2.2501% | 7,715 |
| Noninterest income to average assets | 0.2588% | 6,426 |
| Noninterest expense to average assets | 3.6412% | 1,970 |
| Loan and lease loss provision to assets | 0.1435% | 5,637 |
| Net operating income to assets | -1.4247% | 7,210 |
| Return on assets (ROA) | -0.3382% | 6,386 |
| Pretax return on assets | -0.3382% | 6,269 |
| Return on Equity (ROE) | -2.8171% | 6,340 |
| Retained earnings to average equity (ytd only) | -2.8171% | 5,934 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 154.2888% | 351 |
| Assets per employee ($millions) | 5.1602% | 1,904 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9931% | 6,307 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 36.0632% | 7,704 |
| Net loans and leases to deposits | 60.6444% | 6,843 |
| Net loans and leases to core deposits | 97.1395% | 4,768 |
| Total domestic deposits to total assets | 59.4667% | 7,946 |
| Equity capital to assets | 11.8096% | 2,322 |
| Core capital (leverage) ratio | 11.7133% | 1,970 |
| Tier 1 risk-based capital ratio | 18.1751% | 1,966 |
| Total risk-based capital ratio | 18.7474% | 2,104 |
| Memoranda: | ||
| Average total assets | $78,051,000 | 5,860 |
| Average earning assets | $72,884,670 | 5,792 |
| Average equity | $9,371,330 | 5,554 |
| Average total loans | $25,294,330 | 7,005 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0670% | 7,961 |
| Cost of funding earning assets | 2.1363% | 3,490 |
| Net interest margin | 1.9308% | 7,924 |
| Noninterest income to average assets | 0.1378% | 7,316 |
| Noninterest expense to average assets | 2.6182% | 5,377 |
| Loan and lease loss provision to assets | 0.0919% | 5,781 |
| Net operating income to assets | -0.7502% | 7,098 |
| Return on assets (ROA) | -0.7502% | 7,131 |
| Pretax return on assets | -0.7502% | 7,003 |
| Return on Equity (ROE) | -6.1983% | 7,079 |
| Retained earnings to average equity (ytd only) | -6.1983% | 6,709 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 133.5938% | 468 |
| Assets per employee ($millions) | 5.8437% | 1,291 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9569% | 6,449 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 28.5742% | 7,947 |
| Net loans and leases to deposits | 68.2721% | 6,157 |
| Net loans and leases to core deposits | 105.4788% | 3,973 |
| Total domestic deposits to total assets | 41.8534% | 8,136 |
| Equity capital to assets | 10.8914% | 3,082 |
| Core capital (leverage) ratio | 13.0419% | 1,471 |
| Tier 1 risk-based capital ratio | 26.5152% | 846 |
| Total risk-based capital ratio | 27.2388% | 876 |
| Memoranda: | ||
| Average total assets | $78,375,000 | 5,878 |
| Average earning assets | $73,960,500 | 5,772 |
| Average equity | $9,486,500 | 5,538 |
| Average total loans | $23,844,500 | 7,142 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0178% | 8,174 |
| Cost of funding earning assets | 1.4546% | 7,677 |
| Net interest margin | 1.5632% | 8,176 |
| Noninterest income to average assets | 0.1296% | 7,463 |
| Noninterest expense to average assets | 4.9431% | 639 |
| Loan and lease loss provision to assets | 0.5280% | 2,702 |
| Net operating income to assets | -3.8494% | 7,965 |
| Return on assets (ROA) | -3.8494% | 7,945 |
| Pretax return on assets | -3.8494% | 7,866 |
| Return on Equity (ROE) | -17.9347% | 7,708 |
| Retained earnings to average equity (ytd only) | -17.9347% | 7,617 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 304.7965% | 100 |
| Assets per employee ($millions) | 4.9353% | 2,015 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0000% | 6,058 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 32.0954% | 7,940 |
| Net loans and leases to deposits | 86.4393% | 4,050 |
| Net loans and leases to core deposits | 137.7648% | 1,386 |
| Total domestic deposits to total assets | 37.1306% | 8,202 |
| Equity capital to assets | 13.6423% | 1,557 |
| Core capital (leverage) ratio | 18.1668% | 590 |
| Tier 1 risk-based capital ratio | 30.6084% | 608 |
| Total risk-based capital ratio | 31.3775% | 616 |
| Memoranda: | ||
| Average total assets | $42,422,500 | 7,109 |
| Average earning assets | $40,493,250 | 7,024 |
| Average equity | $9,105,250 | 5,705 |
| Average total loans | $11,932,500 | 7,834 |