Home > American State Bank & Trust Company > Performance and Condition Ratios
American State Bank & Trust Company, Performance and Condition Ratios
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4073% | 3,080 |
| Cost of funding earning assets | 0.2798% | 2,800 |
| Net interest margin | 3.1275% | 2,975 |
| Noninterest income to average assets | 0.3295% | 3,456 |
| Noninterest expense to average assets | 2.2298% | 2,975 |
| Loan and lease loss provision to assets | 0.0322% | 2,352 |
| Net operating income to assets | 0.7291% | 3,696 |
| Return on assets (ROA) | 0.7291% | 3,759 |
| Pretax return on assets | 0.9204% | 3,651 |
| Return on Equity (ROE) | 5.8571% | 3,948 |
| Retained earnings to average equity (ytd only) | 4.2789% | 3,485 |
| Net charge-offs to loans | -0.0060% | 3,492 |
| Credit loss provision to net charge-offs | -895.2381% | 3,820 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1986% | 1,682 |
| Assets per employee ($millions) | 7.3687% | 1,642 |
| Cash dividends to net income (ytd only)* | 26.9447% | 2,226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2441% | 2,771 |
| Loan loss allowance to noncurrent loans | 151.6833% | 2,889 |
| Noncurrent assets plus other real estate owned to assets | 0.4709% | 1,613 |
| Noncurrent loans to loans | 0.8202% | 1,390 |
| Net loans and leases to total assets | 56.7007% | 2,649 |
| Net loans and leases to deposits | 67.8314% | 2,453 |
| Net loans and leases to core deposits | 69.9655% | 2,602 |
| Total domestic deposits to total assets | 83.5906% | 3,564 |
| Equity capital to assets | 12.4743% | 1,185 |
| Core capital (leverage) ratio | 10.1689% | 2,341 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $780,484,500 | 1,194 |
| Average earning assets | $711,951,000 | 1,214 |
| Average equity | $97,156,000 | 1,052 |
| Average total loans | $467,212,500 | 1,246 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3139% | 3,389 |
| Cost of funding earning assets | 0.2994% | 2,782 |
| Net interest margin | 3.0145% | 3,283 |
| Noninterest income to average assets | 0.3325% | 3,434 |
| Noninterest expense to average assets | 2.3038% | 2,767 |
| Loan and lease loss provision to assets | 0.0483% | 2,060 |
| Net operating income to assets | 0.6030% | 3,981 |
| Return on assets (ROA) | 0.6030% | 4,034 |
| Pretax return on assets | 0.7534% | 3,962 |
| Return on Equity (ROE) | 4.8472% | 4,155 |
| Retained earnings to average equity (ytd only) | 3.5036% | 3,687 |
| Net charge-offs to loans | -0.0072% | 3,548 |
| Credit loss provision to net charge-offs | -1,105.8824% | 3,682 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2903% | 1,305 |
| Assets per employee ($millions) | 6.3398% | 2,297 |
| Cash dividends to net income (ytd only)* | 27.7186% | 2,170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1950% | 2,959 |
| Loan loss allowance to noncurrent loans | 150.5618% | 2,872 |
| Noncurrent assets plus other real estate owned to assets | 0.4755% | 1,764 |
| Noncurrent loans to loans | 0.7937% | 1,534 |
| Net loans and leases to total assets | 59.1942% | 2,523 |
| Net loans and leases to deposits | 70.6133% | 2,348 |
| Net loans and leases to core deposits | 73.4894% | 2,460 |
| Total domestic deposits to total assets | 83.8286% | 3,487 |
| Equity capital to assets | 12.3539% | 1,200 |
| Core capital (leverage) ratio | 10.1099% | 2,297 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $777,828,667 | 1,190 |
| Average earning assets | $715,536,667 | 1,207 |
| Average equity | $96,756,667 | 1,049 |
| Average total loans | $472,053,333 | 1,239 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2636% | 3,538 |
| Cost of funding earning assets | 0.3082% | 2,906 |
| Net interest margin | 2.9554% | 3,369 |
| Noninterest income to average assets | 0.3293% | 3,453 |
| Noninterest expense to average assets | 2.3369% | 2,684 |
| Loan and lease loss provision to assets | 0.0972% | 1,384 |
| Net operating income to assets | 0.4963% | 4,181 |
| Return on assets (ROA) | 0.4963% | 4,222 |
| Pretax return on assets | 0.6121% | 4,176 |
| Return on Equity (ROE) | 3.9761% | 4,288 |
| Retained earnings to average equity (ytd only) | 2.5265% | 3,906 |
| Net charge-offs to loans | -0.0076% | 3,550 |
| Credit loss provision to net charge-offs | -2,088.8889% | 3,554 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7977% | 1,153 |
| Assets per employee ($millions) | 5.8874% | 2,710 |
| Cash dividends to net income (ytd only)* | 36.4583% | 1,510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1739% | 3,072 |
| Loan loss allowance to noncurrent loans | 147.9726% | 2,797 |
| Noncurrent assets plus other real estate owned to assets | 0.4887% | 1,923 |
| Noncurrent loans to loans | 0.7934% | 1,666 |
| Net loans and leases to total assets | 60.8777% | 2,419 |
| Net loans and leases to deposits | 72.5027% | 2,266 |
| Net loans and leases to core deposits | 76.0957% | 2,347 |
| Total domestic deposits to total assets | 83.9661% | 3,448 |
| Equity capital to assets | 12.2850% | 1,159 |
| Core capital (leverage) ratio | 10.2957% | 2,252 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $773,675,500 | 1,179 |
| Average earning assets | $711,234,500 | 1,193 |
| Average equity | $96,576,000 | 1,037 |
| Average total loans | $472,593,000 | 1,241 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7153% | 3,539 |
| Cost of funding earning assets | 0.4855% | 3,041 |
| Net interest margin | 3.2298% | 3,272 |
| Noninterest income to average assets | 0.3499% | 3,366 |
| Noninterest expense to average assets | 2.3952% | 3,143 |
| Loan and lease loss provision to assets | 0.0863% | 3,287 |
| Net operating income to assets | 0.6541% | 3,576 |
| Return on assets (ROA) | 0.6695% | 3,653 |
| Pretax return on assets | 0.8384% | 3,537 |
| Return on Equity (ROE) | 5.0818% | 3,883 |
| Retained earnings to average equity (ytd only) | 2.9958% | 3,358 |
| Net charge-offs to loans | -0.0051% | 4,141 |
| Credit loss provision to net charge-offs | -2,717.3913% | 4,238 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6676% | 1,727 |
| Assets per employee ($millions) | 5.8349% | 2,511 |
| Cash dividends to net income (ytd only)* | 41.0479% | 2,315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1626% | 3,145 |
| Loan loss allowance to noncurrent loans | 140.2379% | 2,891 |
| Noncurrent assets plus other real estate owned to assets | 0.5021% | 2,064 |
| Noncurrent loans to loans | 0.8290% | 1,688 |
| Net loans and leases to total assets | 59.8587% | 2,882 |
| Net loans and leases to deposits | 71.4773% | 2,738 |
| Net loans and leases to core deposits | 75.0659% | 2,811 |
| Total domestic deposits to total assets | 83.7451% | 3,189 |
| Equity capital to assets | 12.6823% | 1,240 |
| Core capital (leverage) ratio | 10.1735% | 2,442 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $724,144,200 | 1,144 |
| Average earning assets | $661,595,400 | 1,165 |
| Average equity | $95,400,000 | 1,000 |
| Average total loans | $447,585,400 | 1,234 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8296% | 3,476 |
| Cost of funding earning assets | 0.5267% | 3,064 |
| Net interest margin | 3.3030% | 3,175 |
| Noninterest income to average assets | 0.3370% | 3,461 |
| Noninterest expense to average assets | 2.3539% | 3,273 |
| Loan and lease loss provision to assets | 0.0982% | 3,099 |
| Net operating income to assets | 0.7168% | 3,405 |
| Return on assets (ROA) | 0.7186% | 3,495 |
| Pretax return on assets | 0.9026% | 3,377 |
| Return on Equity (ROE) | 5.4004% | 3,754 |
| Retained earnings to average equity (ytd only) | 3.3055% | 3,392 |
| Net charge-offs to loans | -0.0072% | 4,148 |
| Credit loss provision to net charge-offs | -2,187.5000% | 4,097 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3102% | 1,990 |
| Assets per employee ($millions) | 6.0696% | 2,212 |
| Cash dividends to net income (ytd only)* | 38.7920% | 1,987 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1183% | 3,106 |
| Loan loss allowance to noncurrent loans | 127.9126% | 2,944 |
| Noncurrent assets plus other real estate owned to assets | 0.5401% | 2,084 |
| Noncurrent loans to loans | 0.8742% | 1,706 |
| Net loans and leases to total assets | 61.0834% | 3,106 |
| Net loans and leases to deposits | 73.5455% | 2,997 |
| Net loans and leases to core deposits | 77.8607% | 3,019 |
| Total domestic deposits to total assets | 83.0553% | 3,135 |
| Equity capital to assets | 12.6320% | 1,362 |
| Core capital (leverage) ratio | 10.0635% | 2,663 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $712,628,000 | 1,144 |
| Average earning assets | $650,593,000 | 1,157 |
| Average equity | $94,830,000 | 993 |
| Average total loans | $442,866,750 | 1,236 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0000% | 3,323 |
| Cost of funding earning assets | 0.5776% | 3,096 |
| Net interest margin | 3.4224% | 3,028 |
| Noninterest income to average assets | 0.3303% | 3,494 |
| Noninterest expense to average assets | 2.3626% | 3,365 |
| Loan and lease loss provision to assets | 0.0938% | 3,100 |
| Net operating income to assets | 0.7860% | 3,082 |
| Return on assets (ROA) | 0.7888% | 3,191 |
| Pretax return on assets | 0.9953% | 3,046 |
| Return on Equity (ROE) | 5.8181% | 3,574 |
| Retained earnings to average equity (ytd only) | 2.6473% | 3,530 |
| Net charge-offs to loans | -0.0120% | 4,255 |
| Credit loss provision to net charge-offs | -1,250.0000% | 3,794 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6121% | 2,291 |
| Assets per employee ($millions) | 6.0522% | 2,138 |
| Cash dividends to net income (ytd only)* | 54.4989% | 1,409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1190% | 2,938 |
| Loan loss allowance to noncurrent loans | 120.9533% | 2,949 |
| Noncurrent assets plus other real estate owned to assets | 0.5602% | 2,128 |
| Noncurrent loans to loans | 0.9251% | 1,669 |
| Net loans and leases to total assets | 59.8755% | 3,343 |
| Net loans and leases to deposits | 72.0648% | 3,255 |
| Net loans and leases to core deposits | 76.3505% | 3,256 |
| Total domestic deposits to total assets | 83.0856% | 3,062 |
| Equity capital to assets | 12.7175% | 1,274 |
| Core capital (leverage) ratio | 10.8959% | 2,041 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $693,224,333 | 1,153 |
| Average earning assets | $631,546,000 | 1,169 |
| Average equity | $93,982,667 | 996 |
| Average total loans | $431,762,333 | 1,250 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3211% | 2,854 |
| Cost of funding earning assets | 0.6630% | 3,099 |
| Net interest margin | 3.6581% | 2,483 |
| Noninterest income to average assets | 0.3446% | 3,456 |
| Noninterest expense to average assets | 2.4880% | 3,308 |
| Loan and lease loss provision to assets | 0.0756% | 2,782 |
| Net operating income to assets | 0.8706% | 2,611 |
| Return on assets (ROA) | 0.8706% | 2,718 |
| Pretax return on assets | 1.1004% | 2,522 |
| Return on Equity (ROE) | 6.2023% | 3,235 |
| Retained earnings to average equity (ytd only) | 2.6274% | 3,215 |
| Net charge-offs to loans | -0.0124% | 4,155 |
| Credit loss provision to net charge-offs | -961.5385% | 3,545 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0132% | 2,814 |
| Assets per employee ($millions) | 5.1426% | 2,484 |
| Cash dividends to net income (ytd only)* | 57.6389% | 1,446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1658% | 2,848 |
| Loan loss allowance to noncurrent loans | 117.3913% | 2,989 |
| Noncurrent assets plus other real estate owned to assets | 0.6359% | 2,091 |
| Noncurrent loans to loans | 0.9931% | 1,663 |
| Net loans and leases to total assets | 63.2875% | 3,155 |
| Net loans and leases to deposits | 78.6260% | 2,821 |
| Net loans and leases to core deposits | 83.3213% | 2,908 |
| Total domestic deposits to total assets | 80.4918% | 3,764 |
| Equity capital to assets | 14.2770% | 973 |
| Core capital (leverage) ratio | 11.6468% | 1,961 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $661,575,500 | 1,169 |
| Average earning assets | $600,310,000 | 1,185 |
| Average equity | $92,868,500 | 999 |
| Average total loans | $418,595,000 | 1,250 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5712% | 2,707 |
| Cost of funding earning assets | 0.6947% | 3,185 |
| Net interest margin | 3.8765% | 2,258 |
| Noninterest income to average assets | 0.4461% | 3,021 |
| Noninterest expense to average assets | 2.7230% | 2,823 |
| Loan and lease loss provision to assets | 0.1081% | 1,922 |
| Net operating income to assets | 0.9018% | 3,204 |
| Return on assets (ROA) | 0.8989% | 3,299 |
| Pretax return on assets | 1.1246% | 3,095 |
| Return on Equity (ROE) | 6.6337% | 3,695 |
| Retained earnings to average equity (ytd only) | 3.3946% | 3,316 |
| Net charge-offs to loans | -0.0024% | 4,246 |
| Credit loss provision to net charge-offs | -7,080.0000% | 4,692 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9403% | 2,470 |
| Assets per employee ($millions) | 5.1146% | 2,439 |
| Cash dividends to net income (ytd only)* | 48.8281% | 2,133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1487% | 2,706 |
| Loan loss allowance to noncurrent loans | 113.7717% | 3,065 |
| Noncurrent assets plus other real estate owned to assets | 0.6312% | 2,006 |
| Noncurrent loans to loans | 1.0097% | 1,503 |
| Net loans and leases to total assets | 61.8003% | 3,420 |
| Net loans and leases to deposits | 75.3841% | 3,232 |
| Net loans and leases to core deposits | 79.8335% | 3,304 |
| Total domestic deposits to total assets | 81.9806% | 3,513 |
| Equity capital to assets | 13.8004% | 1,169 |
| Core capital (leverage) ratio | 11.4245% | 2,170 |
| Tier 1 risk-based capital ratio | 13.8413% | 3,347 |
| Total risk-based capital ratio | 14.7342% | 3,421 |
| Memoranda: | ||
| Average total assets | $655,053,200 | 1,144 |
| Average earning assets | $593,679,000 | 1,166 |
| Average equity | $88,759,200 | 991 |
| Average total loans | $413,399,600 | 1,237 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5346% | 2,948 |
| Cost of funding earning assets | 0.6815% | 3,299 |
| Net interest margin | 3.8530% | 2,420 |
| Noninterest income to average assets | 0.4544% | 2,993 |
| Noninterest expense to average assets | 2.7324% | 2,779 |
| Loan and lease loss provision to assets | 0.1038% | 1,853 |
| Net operating income to assets | 0.8891% | 3,385 |
| Return on assets (ROA) | 0.8851% | 3,477 |
| Pretax return on assets | 1.1047% | 3,284 |
| Return on Equity (ROE) | 6.5628% | 3,853 |
| Retained earnings to average equity (ytd only) | 2.4345% | 4,128 |
| Net charge-offs to loans | -0.0029% | 4,099 |
| Credit loss provision to net charge-offs | -5,644.4444% | 4,647 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4063% | 2,358 |
| Assets per employee ($millions) | 5.1847% | 2,361 |
| Cash dividends to net income (ytd only)* | 62.9039% | 1,183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0901% | 3,079 |
| Loan loss allowance to noncurrent loans | 100.8376% | 3,306 |
| Noncurrent assets plus other real estate owned to assets | 0.7001% | 1,952 |
| Noncurrent loans to loans | 1.0810% | 1,468 |
| Net loans and leases to total assets | 64.0532% | 3,283 |
| Net loans and leases to deposits | 77.8627% | 3,106 |
| Net loans and leases to core deposits | 82.4679% | 3,218 |
| Total domestic deposits to total assets | 82.2643% | 3,396 |
| Equity capital to assets | 14.0121% | 1,146 |
| Core capital (leverage) ratio | 11.5896% | 2,153 |
| Tier 1 risk-based capital ratio | 13.7818% | 3,432 |
| Total risk-based capital ratio | 14.6468% | 3,534 |
| Memoranda: | ||
| Average total assets | $652,592,500 | 1,142 |
| Average earning assets | $591,384,750 | 1,167 |
| Average equity | $88,009,500 | 998 |
| Average total loans | $412,828,750 | 1,243 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5168% | 2,965 |
| Cost of funding earning assets | 0.6670% | 3,326 |
| Net interest margin | 3.8498% | 2,409 |
| Noninterest income to average assets | 0.4516% | 2,953 |
| Noninterest expense to average assets | 2.8017% | 2,582 |
| Loan and lease loss provision to assets | 0.1223% | 1,526 |
| Net operating income to assets | 0.8238% | 3,569 |
| Return on assets (ROA) | 0.8176% | 3,648 |
| Pretax return on assets | 1.0124% | 3,500 |
| Return on Equity (ROE) | 6.1418% | 4,006 |
| Retained earnings to average equity (ytd only) | 0.8590% | 4,473 |
| Net charge-offs to loans | -0.0044% | 4,090 |
| Credit loss provision to net charge-offs | -4,444.4444% | 4,477 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1992% | 2,196 |
| Assets per employee ($millions) | 5.0684% | 2,392 |
| Cash dividends to net income (ytd only)* | 86.0135% | 698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1245% | 2,935 |
| Loan loss allowance to noncurrent loans | 313.7737% | 1,517 |
| Noncurrent assets plus other real estate owned to assets | 0.2246% | 3,678 |
| Noncurrent loans to loans | 0.3584% | 3,254 |
| Net loans and leases to total assets | 61.9676% | 3,547 |
| Net loans and leases to deposits | 74.5467% | 3,475 |
| Net loans and leases to core deposits | 79.3457% | 3,477 |
| Total domestic deposits to total assets | 83.1260% | 3,163 |
| Equity capital to assets | 14.0316% | 1,105 |
| Core capital (leverage) ratio | 11.4097% | 2,236 |
| Tier 1 risk-based capital ratio | 13.8375% | 3,402 |
| Total risk-based capital ratio | 14.7010% | 3,507 |
| Memoranda: | ||
| Average total assets | $654,094,000 | 1,139 |
| Average earning assets | $593,386,330 | 1,152 |
| Average equity | $87,075,670 | 1,001 |
| Average total loans | $410,539,670 | 1,255 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4746% | 2,958 |
| Cost of funding earning assets | 0.6443% | 3,343 |
| Net interest margin | 3.8302% | 2,419 |
| Noninterest income to average assets | 0.3564% | 3,468 |
| Noninterest expense to average assets | 2.8153% | 2,518 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.8224% | 3,541 |
| Return on assets (ROA) | 0.8224% | 3,581 |
| Pretax return on assets | 1.0199% | 3,380 |
| Return on Equity (ROE) | 6.3413% | 3,899 |
| Retained earnings to average equity (ytd only) | -4.3359% | 4,887 |
| Net charge-offs to loans | -0.0077% | 4,133 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5589% | 1,948 |
| Assets per employee ($millions) | 4.9749% | 2,550 |
| Cash dividends to net income (ytd only)* | 168.3748% | 270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0121% | 3,615 |
| Loan loss allowance to noncurrent loans | 196.0926% | 2,217 |
| Noncurrent assets plus other real estate owned to assets | 0.3239% | 3,301 |
| Noncurrent loans to loans | 0.5161% | 2,763 |
| Net loans and leases to total assets | 61.0070% | 3,600 |
| Net loans and leases to deposits | 72.9018% | 3,537 |
| Net loans and leases to core deposits | 77.4458% | 3,563 |
| Total domestic deposits to total assets | 83.6838% | 3,158 |
| Equity capital to assets | 13.2748% | 1,304 |
| Core capital (leverage) ratio | 10.9392% | 2,621 |
| Tier 1 risk-based capital ratio | 13.4550% | 3,628 |
| Total risk-based capital ratio | 14.2346% | 3,783 |
| Memoranda: | ||
| Average total assets | $664,367,500 | 1,124 |
| Average earning assets | $603,409,500 | 1,138 |
| Average equity | $86,165,000 | 998 |
| Average total loans | $417,280,000 | 1,238 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2794% | 3,185 |
| Cost of funding earning assets | 0.4930% | 3,401 |
| Net interest margin | 3.7865% | 2,710 |
| Noninterest income to average assets | 0.3623% | 3,675 |
| Noninterest expense to average assets | 2.8173% | 2,634 |
| Loan and lease loss provision to assets | -0.0060% | 5,093 |
| Net operating income to assets | 0.8290% | 3,697 |
| Return on assets (ROA) | 0.8287% | 3,696 |
| Pretax return on assets | 0.9914% | 3,636 |
| Return on Equity (ROE) | 6.4795% | 4,012 |
| Retained earnings to average equity (ytd only) | -2.2878% | 5,143 |
| Net charge-offs to loans | -0.0070% | 4,412 |
| Credit loss provision to net charge-offs | 133.3333% | 1,985 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2334% | 1,726 |
| Assets per employee ($millions) | 5.0904% | 2,390 |
| Cash dividends to net income (ytd only)* | 135.3079% | 114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9374% | 4,005 |
| Loan loss allowance to noncurrent loans | 655.5735% | 867 |
| Noncurrent assets plus other real estate owned to assets | 0.0970% | 4,341 |
| Noncurrent loans to loans | 0.1430% | 4,098 |
| Net loans and leases to total assets | 63.3430% | 3,422 |
| Net loans and leases to deposits | 74.9584% | 3,427 |
| Net loans and leases to core deposits | 81.0049% | 3,350 |
| Total domestic deposits to total assets | 84.5043% | 2,830 |
| Equity capital to assets | 12.6755% | 1,500 |
| Core capital (leverage) ratio | 10.9814% | 2,540 |
| Tier 1 risk-based capital ratio | 12.8611% | 3,928 |
| Total risk-based capital ratio | 13.5963% | 4,095 |
| Memoranda: | ||
| Average total assets | $670,191,000 | 1,089 |
| Average earning assets | $608,980,200 | 1,102 |
| Average equity | $85,716,600 | 976 |
| Average total loans | $429,458,800 | 1,180 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1980% | 3,332 |
| Cost of funding earning assets | 0.4519% | 3,511 |
| Net interest margin | 3.7462% | 2,840 |
| Noninterest income to average assets | 0.3540% | 3,761 |
| Noninterest expense to average assets | 2.7271% | 2,890 |
| Loan and lease loss provision to assets | -0.0080% | 5,206 |
| Net operating income to assets | 0.8739% | 3,643 |
| Return on assets (ROA) | 0.8736% | 3,649 |
| Pretax return on assets | 1.0375% | 3,618 |
| Return on Equity (ROE) | 6.8150% | 3,993 |
| Retained earnings to average equity (ytd only) | -4.4111% | 5,296 |
| Net charge-offs to loans | -0.0124% | 4,458 |
| Credit loss provision to net charge-offs | 100.0000% | 2,247 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7259% | 1,929 |
| Assets per employee ($millions) | 5.0270% | 2,435 |
| Cash dividends to net income (ytd only)* | 164.7261% | 69 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9226% | 4,174 |
| Loan loss allowance to noncurrent loans | 621.8654% | 886 |
| Noncurrent assets plus other real estate owned to assets | 0.1037% | 4,453 |
| Noncurrent loans to loans | 0.1484% | 4,223 |
| Net loans and leases to total assets | 65.3259% | 3,273 |
| Net loans and leases to deposits | 78.6564% | 3,175 |
| Net loans and leases to core deposits | 84.6067% | 3,108 |
| Total domestic deposits to total assets | 83.0522% | 3,295 |
| Equity capital to assets | 12.5430% | 1,559 |
| Core capital (leverage) ratio | 11.7243% | 1,994 |
| Tier 1 risk-based capital ratio | 12.6069% | 4,154 |
| Total risk-based capital ratio | 13.3375% | 4,340 |
| Memoranda: | ||
| Average total assets | $668,483,750 | 1,097 |
| Average earning assets | $607,251,250 | 1,104 |
| Average equity | $85,691,750 | 972 |
| Average total loans | $428,597,750 | 1,187 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1072% | 3,426 |
| Cost of funding earning assets | 0.3495% | 4,077 |
| Net interest margin | 3.7578% | 2,722 |
| Noninterest income to average assets | 0.3146% | 4,073 |
| Noninterest expense to average assets | 2.7385% | 2,884 |
| Loan and lease loss provision to assets | -0.0568% | 5,385 |
| Net operating income to assets | 0.9318% | 3,315 |
| Return on assets (ROA) | 0.9308% | 3,319 |
| Pretax return on assets | 1.0393% | 3,541 |
| Return on Equity (ROE) | 6.5802% | 4,032 |
| Retained earnings to average equity (ytd only) | -11.0044% | 5,429 |
| Net charge-offs to loans | -0.0054% | 4,121 |
| Credit loss provision to net charge-offs | 1,666.6667% | 253 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3903% | 1,792 |
| Assets per employee ($millions) | 5.5245% | 1,863 |
| Cash dividends to net income (ytd only)* | 267.2361% | 34 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9812% | 3,953 |
| Loan loss allowance to noncurrent loans | 707.7441% | 823 |
| Noncurrent assets plus other real estate owned to assets | 0.0853% | 4,582 |
| Noncurrent loans to loans | 0.1386% | 4,279 |
| Net loans and leases to total assets | 60.9503% | 3,715 |
| Net loans and leases to deposits | 72.9226% | 3,637 |
| Net loans and leases to core deposits | 78.4757% | 3,535 |
| Total domestic deposits to total assets | 83.5822% | 3,225 |
| Equity capital to assets | 13.7977% | 993 |
| Core capital (leverage) ratio | 11.8993% | 1,777 |
| Tier 1 risk-based capital ratio | 14.2755% | 3,219 |
| Total risk-based capital ratio | 15.0246% | 3,384 |
| Memoranda: | ||
| Average total assets | $352,165,670 | 1,928 |
| Average earning assets | $319,338,000 | 1,945 |
| Average equity | $49,816,330 | 1,531 |
| Average total loans | $221,494,000 | 2,019 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0499% | 3,418 |
| Cost of funding earning assets | 0.3181% | 4,207 |
| Net interest margin | 3.7319% | 2,679 |
| Noninterest income to average assets | 0.3004% | 4,152 |
| Noninterest expense to average assets | 2.5588% | 3,464 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.9203% | 3,201 |
| Return on assets (ROA) | 0.9203% | 3,217 |
| Pretax return on assets | 1.1202% | 3,095 |
| Return on Equity (ROE) | 6.4283% | 4,013 |
| Retained earnings to average equity (ytd only) | -5.9550% | 5,250 |
| Net charge-offs to loans | -0.0036% | 3,906 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3677% | 2,603 |
| Assets per employee ($millions) | 5.1331% | 2,320 |
| Cash dividends to net income (ytd only)* | 192.6380% | 199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0090% | 3,897 |
| Loan loss allowance to noncurrent loans | 467.6596% | 1,164 |
| Noncurrent assets plus other real estate owned to assets | 0.1327% | 4,428 |
| Noncurrent loans to loans | 0.2157% | 4,006 |
| Net loans and leases to total assets | 60.8856% | 3,661 |
| Net loans and leases to deposits | 72.2317% | 3,580 |
| Net loans and leases to core deposits | 75.1527% | 3,730 |
| Total domestic deposits to total assets | 84.2921% | 3,202 |
| Equity capital to assets | 14.1373% | 854 |
| Core capital (leverage) ratio | 11.8779% | 1,734 |
| Tier 1 risk-based capital ratio | 14.8095% | 2,975 |
| Total risk-based capital ratio | 15.5867% | 3,122 |
| Memoranda: | ||
| Average total assets | $354,226,500 | 1,926 |
| Average earning assets | $320,698,000 | 1,957 |
| Average equity | $50,713,500 | 1,509 |
| Average total loans | $225,123,000 | 1,998 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9377% | 3,619 |
| Cost of funding earning assets | 0.3793% | 3,428 |
| Net interest margin | 3.5584% | 3,308 |
| Noninterest income to average assets | 0.4133% | 3,546 |
| Noninterest expense to average assets | 2.4637% | 3,903 |
| Loan and lease loss provision to assets | 0.0293% | 3,689 |
| Net operating income to assets | 0.8964% | 2,730 |
| Return on assets (ROA) | 0.9068% | 2,697 |
| Pretax return on assets | 1.1643% | 2,928 |
| Return on Equity (ROE) | 6.7785% | 3,394 |
| Retained earnings to average equity (ytd only) | 3.7446% | 2,983 |
| Net charge-offs to loans | 0.1572% | 1,550 |
| Credit loss provision to net charge-offs | 29.4906% | 3,540 |
| Earnings coverage of net charge-offs (x) | 11.8820% | 2,526 |
| Efficiency ratio | 67.4340% | 3,014 |
| Assets per employee ($millions) | 5.0610% | 2,407 |
| Cash dividends to net income (ytd only)* | 44.7577% | 2,606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9449% | 4,244 |
| Loan loss allowance to noncurrent loans | 455.6017% | 1,198 |
| Noncurrent assets plus other real estate owned to assets | 0.1361% | 4,457 |
| Noncurrent loans to loans | 0.2074% | 4,083 |
| Net loans and leases to total assets | 64.9803% | 3,228 |
| Net loans and leases to deposits | 78.0488% | 3,106 |
| Net loans and leases to core deposits | 81.2286% | 3,317 |
| Total domestic deposits to total assets | 83.2559% | 3,479 |
| Equity capital to assets | 14.4960% | 780 |
| Core capital (leverage) ratio | 12.1658% | 1,520 |
| Tier 1 risk-based capital ratio | 14.3212% | 3,189 |
| Total risk-based capital ratio | 15.0595% | 3,378 |
| Memoranda: | ||
| Average total assets | $375,493,400 | 1,805 |
| Average earning assets | $340,907,600 | 1,835 |
| Average equity | $50,232,400 | 1,516 |
| Average total loans | $237,234,000 | 1,895 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8911% | 3,708 |
| Cost of funding earning assets | 0.3921% | 3,277 |
| Net interest margin | 3.4990% | 3,502 |
| Noninterest income to average assets | 0.4366% | 3,429 |
| Noninterest expense to average assets | 2.3865% | 4,053 |
| Loan and lease loss provision to assets | 0.0315% | 3,489 |
| Net operating income to assets | 0.9050% | 3,006 |
| Return on assets (ROA) | 0.9156% | 3,006 |
| Pretax return on assets | 1.2104% | 2,859 |
| Return on Equity (ROE) | 6.9799% | 3,674 |
| Retained earnings to average equity (ytd only) | 3.4299% | 3,885 |
| Net charge-offs to loans | 0.1538% | 1,321 |
| Credit loss provision to net charge-offs | 32.7273% | 3,063 |
| Earnings coverage of net charge-offs (x) | 12.7526% | 2,403 |
| Efficiency ratio | 65.8529% | 3,237 |
| Assets per employee ($millions) | 5.1063% | 2,323 |
| Cash dividends to net income (ytd only)* | 50.8604% | 1,721 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9830% | 4,169 |
| Loan loss allowance to noncurrent loans | 96.0287% | 3,599 |
| Noncurrent assets plus other real estate owned to assets | 0.6622% | 2,516 |
| Noncurrent loans to loans | 1.0236% | 1,897 |
| Net loans and leases to total assets | 64.0556% | 3,390 |
| Net loans and leases to deposits | 78.2996% | 3,134 |
| Net loans and leases to core deposits | 81.4894% | 3,328 |
| Total domestic deposits to total assets | 81.8083% | 3,829 |
| Equity capital to assets | 14.2629% | 921 |
| Core capital (leverage) ratio | 11.4723% | 2,038 |
| Tier 1 risk-based capital ratio | 14.5877% | 3,138 |
| Total risk-based capital ratio | 15.3786% | 3,294 |
| Memoranda: | ||
| Average total assets | $380,799,500 | 1,803 |
| Average earning assets | $345,839,750 | 1,832 |
| Average equity | $49,951,750 | 1,533 |
| Average total loans | $238,442,250 | 1,899 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7738% | 3,983 |
| Cost of funding earning assets | 0.3665% | 3,415 |
| Net interest margin | 3.4073% | 3,744 |
| Noninterest income to average assets | 0.4874% | 3,104 |
| Noninterest expense to average assets | 2.3192% | 4,294 |
| Loan and lease loss provision to assets | 0.0309% | 3,384 |
| Net operating income to assets | 0.9414% | 2,712 |
| Return on assets (ROA) | 0.9367% | 2,796 |
| Pretax return on assets | 1.2270% | 2,670 |
| Return on Equity (ROE) | 7.3374% | 3,372 |
| Retained earnings to average equity (ytd only) | 2.8785% | 3,995 |
| Net charge-offs to loans | -0.0050% | 4,336 |
| Credit loss provision to net charge-offs | -1,000.0000% | 4,811 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5504% | 3,583 |
| Assets per employee ($millions) | 5.4692% | 1,902 |
| Cash dividends to net income (ytd only)* | 60.7692% | 1,455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0732% | 3,727 |
| Loan loss allowance to noncurrent loans | 46.5339% | 4,664 |
| Noncurrent assets plus other real estate owned to assets | 1.4168% | 1,114 |
| Noncurrent loans to loans | 2.3062% | 688 |
| Net loans and leases to total assets | 60.7739% | 3,764 |
| Net loans and leases to deposits | 82.1901% | 2,682 |
| Net loans and leases to core deposits | 85.5698% | 2,924 |
| Total domestic deposits to total assets | 73.9431% | 5,296 |
| Equity capital to assets | 13.1415% | 1,305 |
| Core capital (leverage) ratio | 11.1506% | 2,273 |
| Tier 1 risk-based capital ratio | 13.3360% | 3,787 |
| Total risk-based capital ratio | 14.1513% | 3,977 |
| Memoranda: | ||
| Average total assets | $388,586,670 | 1,765 |
| Average earning assets | $353,068,000 | 1,803 |
| Average equity | $49,608,670 | 1,545 |
| Average total loans | $240,845,670 | 1,882 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6850% | 4,155 |
| Cost of funding earning assets | 0.3432% | 3,595 |
| Net interest margin | 3.3418% | 3,872 |
| Noninterest income to average assets | 0.3045% | 4,381 |
| Noninterest expense to average assets | 2.2368% | 4,563 |
| Loan and lease loss provision to assets | 0.0307% | 3,167 |
| Net operating income to assets | 0.8742% | 2,886 |
| Return on assets (ROA) | 0.8256% | 3,152 |
| Pretax return on assets | 1.0126% | 3,312 |
| Return on Equity (ROE) | 6.5615% | 3,629 |
| Retained earnings to average equity (ytd only) | -0.7309% | 5,033 |
| Net charge-offs to loans | -0.0033% | 4,077 |
| Credit loss provision to net charge-offs | -1,500.0000% | 4,497 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7993% | 3,366 |
| Assets per employee ($millions) | 5.0245% | 2,411 |
| Cash dividends to net income (ytd only)* | 111.1386% | 606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0543% | 3,965 |
| Loan loss allowance to noncurrent loans | 39.8719% | 4,863 |
| Noncurrent assets plus other real estate owned to assets | 1.6572% | 919 |
| Noncurrent loans to loans | 2.6442% | 576 |
| Net loans and leases to total assets | 62.0119% | 3,531 |
| Net loans and leases to deposits | 79.7768% | 2,778 |
| Net loans and leases to core deposits | 82.5295% | 3,036 |
| Total domestic deposits to total assets | 77.7317% | 5,002 |
| Equity capital to assets | 13.0651% | 1,230 |
| Core capital (leverage) ratio | 10.9382% | 2,427 |
| Tier 1 risk-based capital ratio | 12.8959% | 4,148 |
| Total risk-based capital ratio | 13.6905% | 4,324 |
| Memoranda: | ||
| Average total assets | $391,456,500 | 1,767 |
| Average earning assets | $355,498,000 | 1,800 |
| Average equity | $49,257,000 | 1,555 |
| Average total loans | $243,671,000 | 1,874 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8444% | 3,763 |
| Cost of funding earning assets | 0.3475% | 3,539 |
| Net interest margin | 3.4969% | 3,441 |
| Noninterest income to average assets | 0.3186% | 4,458 |
| Noninterest expense to average assets | 2.2818% | 4,594 |
| Loan and lease loss provision to assets | 0.0183% | 4,009 |
| Net operating income to assets | 0.9140% | 2,754 |
| Return on assets (ROA) | 0.9170% | 2,849 |
| Pretax return on assets | 1.1973% | 2,685 |
| Return on Equity (ROE) | 7.7698% | 3,073 |
| Retained earnings to average equity (ytd only) | 5.5425% | 1,988 |
| Net charge-offs to loans | -0.0040% | 4,775 |
| Credit loss provision to net charge-offs | -750.0000% | 5,254 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1477% | 3,739 |
| Assets per employee ($millions) | 5.7194% | 1,678 |
| Cash dividends to net income (ytd only)* | 28.6667% | 3,374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9786% | 4,446 |
| Loan loss allowance to noncurrent loans | 138.9486% | 2,967 |
| Noncurrent assets plus other real estate owned to assets | 0.4406% | 3,506 |
| Noncurrent loans to loans | 0.7043% | 2,775 |
| Net loans and leases to total assets | 61.2473% | 3,695 |
| Net loans and leases to deposits | 83.8981% | 2,432 |
| Net loans and leases to core deposits | 89.4084% | 2,559 |
| Total domestic deposits to total assets | 73.0019% | 5,498 |
| Equity capital to assets | 12.1356% | 1,714 |
| Core capital (leverage) ratio | 10.7798% | 2,551 |
| Tier 1 risk-based capital ratio | 12.3641% | 4,466 |
| Total risk-based capital ratio | 13.1081% | 4,719 |
| Memoranda: | ||
| Average total assets | $408,934,000 | 1,649 |
| Average earning assets | $371,271,800 | 1,676 |
| Average equity | $48,263,800 | 1,571 |
| Average total loans | $252,547,400 | 1,775 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8901% | 3,616 |
| Cost of funding earning assets | 0.3478% | 3,560 |
| Net interest margin | 3.5423% | 3,304 |
| Noninterest income to average assets | 0.3255% | 4,453 |
| Noninterest expense to average assets | 2.2900% | 4,559 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.9706% | 2,570 |
| Return on assets (ROA) | 0.9706% | 2,704 |
| Pretax return on assets | 1.2547% | 2,600 |
| Return on Equity (ROE) | 8.2814% | 2,863 |
| Retained earnings to average equity (ytd only) | 6.7762% | 1,738 |
| Net charge-offs to loans | -0.0105% | 4,785 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4385% | 3,862 |
| Assets per employee ($millions) | 5.7380% | 1,626 |
| Cash dividends to net income (ytd only)* | 18.1758% | 3,307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9310% | 4,746 |
| Loan loss allowance to noncurrent loans | 1,759.5588% | 356 |
| Noncurrent assets plus other real estate owned to assets | 0.0391% | 5,323 |
| Noncurrent loans to loans | 0.0529% | 5,144 |
| Net loans and leases to total assets | 63.3960% | 3,474 |
| Net loans and leases to deposits | 89.4980% | 1,820 |
| Net loans and leases to core deposits | 95.0464% | 2,099 |
| Total domestic deposits to total assets | 70.8351% | 5,651 |
| Equity capital to assets | 12.3057% | 1,890 |
| Core capital (leverage) ratio | 10.3462% | 3,164 |
| Tier 1 risk-based capital ratio | 11.8044% | 4,915 |
| Total risk-based capital ratio | 12.5083% | 5,125 |
| Memoranda: | ||
| Average total assets | $409,648,250 | 1,651 |
| Average earning assets | $372,286,250 | 1,675 |
| Average equity | $48,009,750 | 1,583 |
| Average total loans | $252,892,000 | 1,777 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7662% | 4,070 |
| Cost of funding earning assets | 0.2956% | 4,184 |
| Net interest margin | 3.4706% | 3,609 |
| Noninterest income to average assets | 0.2889% | 4,717 |
| Noninterest expense to average assets | 2.1565% | 4,940 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.0252% | 2,271 |
| Return on assets (ROA) | 1.0239% | 2,417 |
| Pretax return on assets | 1.3071% | 2,380 |
| Return on Equity (ROE) | 9.2289% | 2,387 |
| Retained earnings to average equity (ytd only) | 7.3316% | 1,460 |
| Net charge-offs to loans | -0.0171% | 4,884 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0337% | 4,346 |
| Assets per employee ($millions) | 5.8060% | 1,541 |
| Cash dividends to net income (ytd only)* | 20.5587% | 3,179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8396% | 5,161 |
| Loan loss allowance to noncurrent loans | 3,258.1818% | 213 |
| Noncurrent assets plus other real estate owned to assets | 0.0161% | 5,542 |
| Noncurrent loans to loans | 0.0258% | 5,366 |
| Net loans and leases to total assets | 61.7823% | 3,647 |
| Net loans and leases to deposits | 83.9394% | 2,475 |
| Net loans and leases to core deposits | 89.3025% | 2,605 |
| Total domestic deposits to total assets | 73.6034% | 5,560 |
| Equity capital to assets | 11.6498% | 2,404 |
| Core capital (leverage) ratio | 9.6913% | 3,941 |
| Tier 1 risk-based capital ratio | 10.2479% | 5,778 |
| Total risk-based capital ratio | 10.8096% | 5,918 |
| Memoranda: | ||
| Average total assets | $349,642,000 | 1,917 |
| Average earning assets | $320,003,000 | 1,930 |
| Average equity | $38,791,000 | 1,904 |
| Average total loans | $210,135,330 | 2,052 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6276% | 4,546 |
| Cost of funding earning assets | 0.2739% | 4,457 |
| Net interest margin | 3.3537% | 4,026 |
| Noninterest income to average assets | 0.2775% | 4,738 |
| Noninterest expense to average assets | 2.1813% | 4,949 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.0018% | 2,268 |
| Return on assets (ROA) | 0.9989% | 2,403 |
| Pretax return on assets | 1.1575% | 2,863 |
| Return on Equity (ROE) | 9.2276% | 2,312 |
| Retained earnings to average equity (ytd only) | 6.8213% | 1,967 |
| Net charge-offs to loans | -0.0307% | 5,076 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0627% | 3,965 |
| Assets per employee ($millions) | 5.8320% | 1,549 |
| Cash dividends to net income (ytd only)* | 26.0771% | 2,446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8815% | 5,117 |
| Loan loss allowance to noncurrent loans | 3,196.4286% | 214 |
| Noncurrent assets plus other real estate owned to assets | 0.0163% | 5,594 |
| Noncurrent loans to loans | 0.0276% | 5,385 |
| Net loans and leases to total assets | 58.4942% | 3,987 |
| Net loans and leases to deposits | 75.6960% | 3,254 |
| Net loans and leases to core deposits | 78.8934% | 3,415 |
| Total domestic deposits to total assets | 77.2751% | 5,252 |
| Equity capital to assets | 11.2674% | 2,657 |
| Core capital (leverage) ratio | 9.3169% | 4,471 |
| Tier 1 risk-based capital ratio | 10.2715% | 5,842 |
| Total risk-based capital ratio | 10.8492% | 5,967 |
| Memoranda: | ||
| Average total assets | $353,185,000 | 1,895 |
| Average earning assets | $322,748,500 | 1,920 |
| Average equity | $38,233,000 | 1,920 |
| Average total loans | $208,487,500 | 2,069 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5154% | 4,881 |
| Cost of funding earning assets | 0.2550% | 4,728 |
| Net interest margin | 3.2604% | 4,437 |
| Noninterest income to average assets | 0.2744% | 4,921 |
| Noninterest expense to average assets | 2.1329% | 5,189 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.8686% | 3,029 |
| Return on assets (ROA) | 0.9070% | 2,912 |
| Pretax return on assets | 1.2000% | 2,659 |
| Return on Equity (ROE) | 8.0843% | 2,917 |
| Retained earnings to average equity (ytd only) | -5.5319% | 5,940 |
| Net charge-offs to loans | 0.0010% | 4,441 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 1,979.0000% | 19 |
| Efficiency ratio | 64.7673% | 4,122 |
| Assets per employee ($millions) | 6.2462% | 1,230 |
| Cash dividends to net income (ytd only)* | 168.4278% | 129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8293% | 5,327 |
| Loan loss allowance to noncurrent loans | 1,828.8660% | 359 |
| Noncurrent assets plus other real estate owned to assets | 0.0268% | 5,588 |
| Noncurrent loans to loans | 0.0453% | 5,336 |
| Net loans and leases to total assets | 58.5565% | 4,012 |
| Net loans and leases to deposits | 74.5208% | 3,432 |
| Net loans and leases to core deposits | 82.0108% | 3,145 |
| Total domestic deposits to total assets | 78.5774% | 5,056 |
| Equity capital to assets | 10.4052% | 3,477 |
| Core capital (leverage) ratio | 9.5496% | 4,101 |
| Tier 1 risk-based capital ratio | 10.0840% | 5,933 |
| Total risk-based capital ratio | 10.6592% | 6,043 |
| Memoranda: | ||
| Average total assets | $344,325,400 | 1,898 |
| Average earning assets | $317,659,200 | 1,906 |
| Average equity | $38,630,400 | 1,861 |
| Average total loans | $193,344,800 | 2,138 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5046% | 4,974 |
| Cost of funding earning assets | 0.2530% | 4,846 |
| Net interest margin | 3.2516% | 4,519 |
| Noninterest income to average assets | 0.2633% | 5,056 |
| Noninterest expense to average assets | 2.1437% | 5,187 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.8673% | 3,100 |
| Return on assets (ROA) | 0.8800% | 3,127 |
| Pretax return on assets | 1.1460% | 3,035 |
| Return on Equity (ROE) | 7.6950% | 3,235 |
| Retained earnings to average equity (ytd only) | -10.3504% | 6,131 |
| Net charge-offs to loans | -0.0198% | 5,208 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2763% | 4,019 |
| Assets per employee ($millions) | 5.6532% | 1,631 |
| Cash dividends to net income (ytd only)* | 234.5076% | 64 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9056% | 5,186 |
| Loan loss allowance to noncurrent loans | 1,478.6885% | 403 |
| Noncurrent assets plus other real estate owned to assets | 0.0366% | 5,639 |
| Noncurrent loans to loans | 0.0612% | 5,373 |
| Net loans and leases to total assets | 59.1858% | 3,985 |
| Net loans and leases to deposits | 73.1237% | 3,636 |
| Net loans and leases to core deposits | 80.2089% | 3,409 |
| Total domestic deposits to total assets | 80.9392% | 4,492 |
| Equity capital to assets | 11.1022% | 2,901 |
| Core capital (leverage) ratio | 8.8902% | 5,130 |
| Tier 1 risk-based capital ratio | 10.7904% | 5,759 |
| Total risk-based capital ratio | 11.4383% | 5,927 |
| Memoranda: | ||
| Average total assets | $339,836,500 | 1,940 |
| Average earning assets | $314,584,250 | 1,937 |
| Average equity | $38,864,000 | 1,869 |
| Average total loans | $188,202,750 | 2,188 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4504% | 5,104 |
| Cost of funding earning assets | 0.2452% | 4,993 |
| Net interest margin | 3.2052% | 4,647 |
| Noninterest income to average assets | 0.2433% | 5,219 |
| Noninterest expense to average assets | 2.1472% | 5,230 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.8280% | 3,227 |
| Return on assets (ROA) | 0.8469% | 3,245 |
| Pretax return on assets | 1.0944% | 3,197 |
| Return on Equity (ROE) | 7.3362% | 3,416 |
| Retained earnings to average equity (ytd only) | -0.3749% | 5,582 |
| Net charge-offs to loans | -0.0152% | 5,066 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5273% | 3,913 |
| Assets per employee ($millions) | 5.2649% | 1,967 |
| Cash dividends to net income (ytd only)* | 105.1105% | 463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9590% | 5,063 |
| Loan loss allowance to noncurrent loans | 8,136.3636% | 74 |
| Noncurrent assets plus other real estate owned to assets | 0.0065% | 5,880 |
| Noncurrent loans to loans | 0.0118% | 5,717 |
| Net loans and leases to total assets | 54.8641% | 4,470 |
| Net loans and leases to deposits | 66.1811% | 4,324 |
| Net loans and leases to core deposits | 70.6457% | 4,266 |
| Total domestic deposits to total assets | 82.8999% | 3,985 |
| Equity capital to assets | 11.7364% | 2,216 |
| Core capital (leverage) ratio | 10.0237% | 3,563 |
| Tier 1 risk-based capital ratio | 12.5040% | 4,801 |
| Total risk-based capital ratio | 13.1855% | 5,094 |
| Memoranda: | ||
| Average total assets | $341,936,000 | 1,935 |
| Average earning assets | $317,238,000 | 1,934 |
| Average equity | $39,475,330 | 1,847 |
| Average total loans | $184,533,330 | 2,227 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3903% | 5,223 |
| Cost of funding earning assets | 0.2428% | 5,096 |
| Net interest margin | 3.1475% | 4,794 |
| Noninterest income to average assets | 0.2172% | 5,400 |
| Noninterest expense to average assets | 2.0962% | 5,392 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.8501% | 3,009 |
| Return on assets (ROA) | 0.8501% | 3,128 |
| Pretax return on assets | 1.0568% | 3,276 |
| Return on Equity (ROE) | 7.4239% | 3,260 |
| Retained earnings to average equity (ytd only) | -6.2576% | 6,005 |
| Net charge-offs to loans | -0.0065% | 4,572 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2615% | 4,107 |
| Assets per employee ($millions) | 5.3108% | 1,981 |
| Cash dividends to net income (ytd only)* | 184.2896% | 264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9767% | 5,143 |
| Loan loss allowance to noncurrent loans | 4,808.1081% | 136 |
| Noncurrent assets plus other real estate owned to assets | 0.0137% | 5,900 |
| Noncurrent loans to loans | 0.0203% | 5,722 |
| Net loans and leases to total assets | 53.9082% | 4,457 |
| Net loans and leases to deposits | 65.7923% | 4,173 |
| Net loans and leases to core deposits | 67.9927% | 4,324 |
| Total domestic deposits to total assets | 81.9369% | 4,528 |
| Equity capital to assets | 11.7581% | 2,234 |
| Core capital (leverage) ratio | 9.5744% | 4,176 |
| Tier 1 risk-based capital ratio | 13.0126% | 4,598 |
| Total risk-based capital ratio | 13.7293% | 4,833 |
| Memoranda: | ||
| Average total assets | $344,428,500 | 1,930 |
| Average earning assets | $321,268,500 | 1,917 |
| Average equity | $39,440,000 | 1,859 |
| Average total loans | $183,472,500 | 2,253 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6869% | 4,825 |
| Cost of funding earning assets | 0.2932% | 4,861 |
| Net interest margin | 3.3936% | 4,225 |
| Noninterest income to average assets | 0.3967% | 4,205 |
| Noninterest expense to average assets | 2.1547% | 5,445 |
| Loan and lease loss provision to assets | -0.1761% | 6,264 |
| Net operating income to assets | 1.1304% | 1,865 |
| Return on assets (ROA) | 1.1327% | 1,913 |
| Pretax return on assets | 1.5567% | 1,365 |
| Return on Equity (ROE) | 10.7154% | 1,813 |
| Retained earnings to average equity (ytd only) | 7.4328% | 1,222 |
| Net charge-offs to loans | -0.0136% | 5,623 |
| Credit loss provision to net charge-offs | 2,583.3333% | 121 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8087% | 5,102 |
| Assets per employee ($millions) | 5.3679% | 1,893 |
| Cash dividends to net income (ytd only)* | 30.6342% | 3,361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9610% | 5,238 |
| Loan loss allowance to noncurrent loans | 1,758.4158% | 371 |
| Noncurrent assets plus other real estate owned to assets | 0.0327% | 5,914 |
| Noncurrent loans to loans | 0.0547% | 5,661 |
| Net loans and leases to total assets | 51.6613% | 4,814 |
| Net loans and leases to deposits | 62.7649% | 4,661 |
| Net loans and leases to core deposits | 65.5003% | 4,708 |
| Total domestic deposits to total assets | 82.3091% | 4,309 |
| Equity capital to assets | 11.1607% | 2,740 |
| Core capital (leverage) ratio | 9.3363% | 4,482 |
| Tier 1 risk-based capital ratio | 13.2792% | 4,550 |
| Total risk-based capital ratio | 13.9983% | 4,796 |
| Memoranda: | ||
| Average total assets | $352,165,000 | 1,848 |
| Average earning assets | $325,372,400 | 1,844 |
| Average equity | $37,226,800 | 1,891 |
| Average total loans | $176,583,400 | 2,264 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7423% | 4,732 |
| Cost of funding earning assets | 0.2995% | 4,892 |
| Net interest margin | 3.4429% | 4,051 |
| Noninterest income to average assets | 0.4417% | 3,948 |
| Noninterest expense to average assets | 2.1639% | 5,423 |
| Loan and lease loss provision to assets | -0.1782% | 6,368 |
| Net operating income to assets | 1.1863% | 1,726 |
| Return on assets (ROA) | 1.1838% | 1,813 |
| Pretax return on assets | 1.6304% | 1,231 |
| Return on Equity (ROE) | 11.3581% | 1,669 |
| Retained earnings to average equity (ytd only) | 9.4772% | 848 |
| Net charge-offs to loans | -0.0031% | 5,222 |
| Credit loss provision to net charge-offs | 11,750.0000% | 29 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5956% | 5,243 |
| Assets per employee ($millions) | 5.3566% | 1,855 |
| Cash dividends to net income (ytd only)* | 16.5600% | 3,335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1233% | 4,647 |
| Loan loss allowance to noncurrent loans | 768.5484% | 696 |
| Noncurrent assets plus other real estate owned to assets | 0.0744% | 5,861 |
| Noncurrent loans to loans | 0.1462% | 5,478 |
| Net loans and leases to total assets | 47.4541% | 5,253 |
| Net loans and leases to deposits | 61.1007% | 4,836 |
| Net loans and leases to core deposits | 64.0094% | 4,878 |
| Total domestic deposits to total assets | 77.6655% | 5,587 |
| Equity capital to assets | 11.0114% | 2,946 |
| Core capital (leverage) ratio | 9.6745% | 4,122 |
| Tier 1 risk-based capital ratio | 13.7371% | 4,395 |
| Total risk-based capital ratio | 14.5407% | 4,613 |
| Memoranda: | ||
| Average total assets | $351,636,500 | 1,866 |
| Average earning assets | $324,567,500 | 1,860 |
| Average equity | $36,648,500 | 1,925 |
| Average total loans | $174,529,000 | 2,298 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4729% | 5,467 |
| Cost of funding earning assets | 0.3131% | 4,845 |
| Net interest margin | 3.1598% | 5,063 |
| Noninterest income to average assets | 0.2291% | 5,566 |
| Noninterest expense to average assets | 2.0742% | 5,678 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.8410% | 3,127 |
| Return on assets (ROA) | 0.8410% | 3,220 |
| Pretax return on assets | 1.0793% | 3,184 |
| Return on Equity (ROE) | 8.7233% | 2,722 |
| Retained earnings to average equity (ytd only) | 6.4706% | 2,052 |
| Net charge-offs to loans | -0.0116% | 5,363 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7735% | 4,391 |
| Assets per employee ($millions) | 5.2640% | 1,903 |
| Cash dividends to net income (ytd only)* | 25.8242% | 2,958 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5363% | 2,738 |
| Loan loss allowance to noncurrent loans | 39.5445% | 5,518 |
| Noncurrent assets plus other real estate owned to assets | 1.9662% | 1,633 |
| Noncurrent loans to loans | 3.8849% | 623 |
| Net loans and leases to total assets | 49.8328% | 4,974 |
| Net loans and leases to deposits | 61.4097% | 4,742 |
| Net loans and leases to core deposits | 64.3342% | 4,787 |
| Total domestic deposits to total assets | 81.1480% | 4,932 |
| Equity capital to assets | 10.2308% | 3,786 |
| Core capital (leverage) ratio | 8.4466% | 5,689 |
| Tier 1 risk-based capital ratio | 12.0270% | 5,523 |
| Total risk-based capital ratio | 13.1227% | 5,534 |
| Memoranda: | ||
| Average total assets | $302,964,000 | 2,148 |
| Average earning assets | $280,401,000 | 2,139 |
| Average equity | $29,209,000 | 2,322 |
| Average total loans | $154,625,330 | 2,506 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3511% | 5,750 |
| Cost of funding earning assets | 0.3187% | 4,876 |
| Net interest margin | 3.0323% | 5,440 |
| Noninterest income to average assets | 0.2123% | 5,655 |
| Noninterest expense to average assets | 2.0335% | 5,819 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.7881% | 3,210 |
| Return on assets (ROA) | 0.7881% | 3,288 |
| Pretax return on assets | 0.9796% | 3,408 |
| Return on Equity (ROE) | 8.4221% | 2,724 |
| Retained earnings to average equity (ytd only) | 6.4592% | 2,313 |
| Net charge-offs to loans | -0.0153% | 5,215 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4881% | 4,274 |
| Assets per employee ($millions) | 5.3311% | 1,881 |
| Cash dividends to net income (ytd only)* | 23.3058% | 2,455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4755% | 3,262 |
| Loan loss allowance to noncurrent loans | 38.4771% | 5,615 |
| Noncurrent assets plus other real estate owned to assets | 1.9927% | 1,721 |
| Noncurrent loans to loans | 3.8347% | 724 |
| Net loans and leases to total assets | 51.1973% | 4,765 |
| Net loans and leases to deposits | 60.7668% | 4,684 |
| Net loans and leases to core deposits | 63.5714% | 4,725 |
| Total domestic deposits to total assets | 84.2522% | 4,187 |
| Equity capital to assets | 9.7946% | 4,115 |
| Core capital (leverage) ratio | 8.3367% | 5,815 |
| Tier 1 risk-based capital ratio | 11.5345% | 5,897 |
| Total risk-based capital ratio | 12.6043% | 5,942 |
| Memoranda: | ||
| Average total assets | $307,053,000 | 2,130 |
| Average earning assets | $283,610,500 | 2,118 |
| Average equity | $28,734,000 | 2,347 |
| Average total loans | $157,342,000 | 2,494 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2296% | 6,104 |
| Cost of funding earning assets | 0.3643% | 5,009 |
| Net interest margin | 2.8653% | 5,868 |
| Noninterest income to average assets | 0.2312% | 5,693 |
| Noninterest expense to average assets | 2.1616% | 5,707 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.5689% | 4,417 |
| Return on assets (ROA) | 0.5697% | 4,521 |
| Pretax return on assets | 0.6956% | 4,559 |
| Return on Equity (ROE) | 5.8459% | 4,179 |
| Retained earnings to average equity (ytd only) | 3.5195% | 3,723 |
| Net charge-offs to loans | -0.0350% | 6,254 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6825% | 2,830 |
| Assets per employee ($millions) | 5.6351% | 1,531 |
| Cash dividends to net income (ytd only)* | 39.7959% | 2,819 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4309% | 3,506 |
| Loan loss allowance to noncurrent loans | 38.6164% | 5,676 |
| Noncurrent assets plus other real estate owned to assets | 1.8735% | 1,948 |
| Noncurrent loans to loans | 3.7054% | 815 |
| Net loans and leases to total assets | 49.8366% | 5,100 |
| Net loans and leases to deposits | 67.7821% | 4,087 |
| Net loans and leases to core deposits | 70.9713% | 4,190 |
| Total domestic deposits to total assets | 73.5248% | 6,317 |
| Equity capital to assets | 8.9450% | 5,105 |
| Core capital (leverage) ratio | 8.4206% | 5,753 |
| Tier 1 risk-based capital ratio | 10.9090% | 6,213 |
| Total risk-based capital ratio | 11.9375% | 6,258 |
| Memoranda: | ||
| Average total assets | $292,420,000 | 2,196 |
| Average earning assets | $267,897,000 | 2,200 |
| Average equity | $28,498,600 | 2,340 |
| Average total loans | $142,976,600 | 2,658 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2379% | 6,152 |
| Cost of funding earning assets | 0.3785% | 5,014 |
| Net interest margin | 2.8594% | 5,898 |
| Noninterest income to average assets | 0.2428% | 5,699 |
| Noninterest expense to average assets | 2.1732% | 5,671 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.5624% | 4,513 |
| Return on assets (ROA) | 0.5624% | 4,668 |
| Pretax return on assets | 0.6875% | 4,728 |
| Return on Equity (ROE) | 5.6428% | 4,389 |
| Retained earnings to average equity (ytd only) | 4.4433% | 3,508 |
| Net charge-offs to loans | -0.0480% | 6,293 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9675% | 2,737 |
| Assets per employee ($millions) | 5.0986% | 2,051 |
| Cash dividends to net income (ytd only)* | 21.2574% | 3,047 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7275% | 2,529 |
| Loan loss allowance to noncurrent loans | 38.5968% | 5,682 |
| Noncurrent assets plus other real estate owned to assets | 2.0716% | 1,937 |
| Noncurrent loans to loans | 4.4757% | 726 |
| Net loans and leases to total assets | 45.4871% | 5,594 |
| Net loans and leases to deposits | 54.2042% | 5,520 |
| Net loans and leases to core deposits | 56.6847% | 5,562 |
| Total domestic deposits to total assets | 83.9179% | 4,223 |
| Equity capital to assets | 9.8703% | 4,085 |
| Core capital (leverage) ratio | 8.8402% | 5,346 |
| Tier 1 risk-based capital ratio | 12.5645% | 5,417 |
| Total risk-based capital ratio | 13.7517% | 5,400 |
| Memoranda: | ||
| Average total assets | $286,634,250 | 2,239 |
| Average earning assets | $262,424,750 | 2,238 |
| Average equity | $28,566,500 | 2,365 |
| Average total loans | $138,833,500 | 2,730 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2473% | 6,162 |
| Cost of funding earning assets | 0.3890% | 5,043 |
| Net interest margin | 2.8583% | 5,881 |
| Noninterest income to average assets | 0.2460% | 5,691 |
| Noninterest expense to average assets | 2.0766% | 5,915 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.6146% | 4,222 |
| Return on assets (ROA) | 0.6146% | 4,387 |
| Pretax return on assets | 0.7860% | 4,359 |
| Return on Equity (ROE) | 6.1475% | 4,078 |
| Retained earnings to average equity (ytd only) | 4.8023% | 3,182 |
| Net charge-offs to loans | -0.0454% | 6,229 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5414% | 3,382 |
| Assets per employee ($millions) | 4.8744% | 2,267 |
| Cash dividends to net income (ytd only)* | 21.8821% | 2,926 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6223% | 3,081 |
| Loan loss allowance to noncurrent loans | 37.5747% | 5,730 |
| Noncurrent assets plus other real estate owned to assets | 2.1696% | 1,991 |
| Noncurrent loans to loans | 4.3176% | 840 |
| Net loans and leases to total assets | 49.4353% | 5,168 |
| Net loans and leases to deposits | 62.5916% | 4,672 |
| Net loans and leases to core deposits | 65.7616% | 4,715 |
| Total domestic deposits to total assets | 78.9807% | 5,805 |
| Equity capital to assets | 10.2458% | 3,600 |
| Core capital (leverage) ratio | 8.6461% | 5,487 |
| Tier 1 risk-based capital ratio | 12.2389% | 5,654 |
| Total risk-based capital ratio | 13.4084% | 5,648 |
| Memoranda: | ||
| Average total assets | $287,004,670 | 2,243 |
| Average earning assets | $262,745,330 | 2,244 |
| Average equity | $28,694,670 | 2,368 |
| Average total loans | $141,058,330 | 2,699 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1264% | 6,376 |
| Cost of funding earning assets | 0.4023% | 5,082 |
| Net interest margin | 2.7241% | 6,180 |
| Noninterest income to average assets | 0.2291% | 5,824 |
| Noninterest expense to average assets | 2.0824% | 5,949 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.4788% | 4,780 |
| Return on assets (ROA) | 0.4788% | 4,943 |
| Pretax return on assets | 0.6269% | 4,852 |
| Return on Equity (ROE) | 4.8458% | 4,665 |
| Retained earnings to average equity (ytd only) | 2.4576% | 4,795 |
| Net charge-offs to loans | -0.0028% | 5,188 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8608% | 2,786 |
| Assets per employee ($millions) | 5.1336% | 2,057 |
| Cash dividends to net income (ytd only)* | 49.2837% | 1,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6676% | 3,142 |
| Loan loss allowance to noncurrent loans | 36.3016% | 5,766 |
| Noncurrent assets plus other real estate owned to assets | 2.1407% | 2,196 |
| Noncurrent loans to loans | 4.5939% | 893 |
| Net loans and leases to total assets | 45.8213% | 5,455 |
| Net loans and leases to deposits | 55.3233% | 5,320 |
| Net loans and leases to core deposits | 58.0863% | 5,338 |
| Total domestic deposits to total assets | 82.8245% | 4,914 |
| Equity capital to assets | 10.0567% | 4,073 |
| Core capital (leverage) ratio | 8.2670% | 5,857 |
| Tier 1 risk-based capital ratio | 12.2422% | 5,760 |
| Total risk-based capital ratio | 13.4214% | 5,765 |
| Memoranda: | ||
| Average total assets | $291,587,000 | 2,244 |
| Average earning assets | $265,485,000 | 2,249 |
| Average equity | $28,808,500 | 2,398 |
| Average total loans | $141,779,500 | 2,701 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3258% | 6,563 |
| Cost of funding earning assets | 0.5137% | 5,125 |
| Net interest margin | 2.8121% | 6,368 |
| Noninterest income to average assets | 0.3166% | 5,192 |
| Noninterest expense to average assets | 1.9926% | 6,338 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.6988% | 3,747 |
| Return on assets (ROA) | 0.7509% | 3,750 |
| Pretax return on assets | 0.9651% | 3,683 |
| Return on Equity (ROE) | 7.1944% | 3,533 |
| Retained earnings to average equity (ytd only) | -8.1254% | 6,578 |
| Net charge-offs to loans | 0.0037% | 5,929 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 543.6000% | 77 |
| Efficiency ratio | 67.7604% | 4,196 |
| Assets per employee ($millions) | 5.3763% | 1,816 |
| Cash dividends to net income (ytd only)* | 212.9401% | 113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4927% | 3,779 |
| Loan loss allowance to noncurrent loans | 36.2030% | 5,809 |
| Noncurrent assets plus other real estate owned to assets | 2.0859% | 2,349 |
| Noncurrent loans to loans | 4.1230% | 1,119 |
| Net loans and leases to total assets | 49.8370% | 5,191 |
| Net loans and leases to deposits | 65.3419% | 4,380 |
| Net loans and leases to core deposits | 68.6594% | 4,463 |
| Total domestic deposits to total assets | 76.2711% | 6,326 |
| Equity capital to assets | 9.7080% | 4,580 |
| Core capital (leverage) ratio | 8.2279% | 5,964 |
| Tier 1 risk-based capital ratio | 11.3233% | 6,202 |
| Total risk-based capital ratio | 12.4209% | 6,248 |
| Memoranda: | ||
| Average total assets | $302,566,000 | 2,125 |
| Average earning assets | $276,985,200 | 2,120 |
| Average equity | $31,580,000 | 2,165 |
| Average total loans | $135,156,400 | 2,789 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3614% | 6,667 |
| Cost of funding earning assets | 0.5324% | 5,226 |
| Net interest margin | 2.8291% | 6,462 |
| Noninterest income to average assets | 0.2949% | 5,417 |
| Noninterest expense to average assets | 1.9521% | 6,442 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.7328% | 3,763 |
| Return on assets (ROA) | 0.7699% | 3,861 |
| Pretax return on assets | 0.9942% | 3,738 |
| Return on Equity (ROE) | 7.2530% | 3,663 |
| Retained earnings to average equity (ytd only) | 3.9093% | 4,137 |
| Net charge-offs to loans | 0.0071% | 5,637 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 308.5305% | 150 |
| Efficiency ratio | 66.1324% | 4,426 |
| Assets per employee ($millions) | 5.2747% | 1,853 |
| Cash dividends to net income (ytd only)* | 46.1011% | 1,878 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6955% | 3,168 |
| Loan loss allowance to noncurrent loans | 35.4972% | 5,870 |
| Noncurrent assets plus other real estate owned to assets | 2.2066% | 2,426 |
| Noncurrent loans to loans | 4.7766% | 968 |
| Net loans and leases to total assets | 45.4122% | 5,829 |
| Net loans and leases to deposits | 57.0171% | 5,533 |
| Net loans and leases to core deposits | 61.8377% | 5,377 |
| Total domestic deposits to total assets | 79.6467% | 5,739 |
| Equity capital to assets | 11.4927% | 2,748 |
| Core capital (leverage) ratio | 9.3067% | 4,574 |
| Tier 1 risk-based capital ratio | 14.2363% | 4,357 |
| Total risk-based capital ratio | 15.4345% | 4,357 |
| Memoranda: | ||
| Average total assets | $304,284,000 | 2,131 |
| Average earning assets | $279,992,000 | 2,123 |
| Average equity | $32,298,500 | 2,151 |
| Average total loans | $131,546,000 | 2,887 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4171% | 6,711 |
| Cost of funding earning assets | 0.5425% | 5,353 |
| Net interest margin | 2.8746% | 6,459 |
| Noninterest income to average assets | 0.2729% | 5,623 |
| Noninterest expense to average assets | 1.9384% | 6,534 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.7455% | 3,626 |
| Return on assets (ROA) | 0.7852% | 3,707 |
| Pretax return on assets | 1.0361% | 3,575 |
| Return on Equity (ROE) | 7.5887% | 3,454 |
| Retained earnings to average equity (ytd only) | 6.6370% | 2,310 |
| Net charge-offs to loans | 0.0046% | 5,443 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 509.6667% | 81 |
| Efficiency ratio | 65.1398% | 4,699 |
| Assets per employee ($millions) | 5.4824% | 1,639 |
| Cash dividends to net income (ytd only)* | 12.5410% | 3,237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6507% | 3,423 |
| Loan loss allowance to noncurrent loans | 34.8348% | 5,930 |
| Noncurrent assets plus other real estate owned to assets | 2.1672% | 2,587 |
| Noncurrent loans to loans | 4.7387% | 1,081 |
| Net loans and leases to total assets | 44.9797% | 5,928 |
| Net loans and leases to deposits | 58.2866% | 5,418 |
| Net loans and leases to core deposits | 62.9005% | 5,309 |
| Total domestic deposits to total assets | 77.1698% | 6,301 |
| Equity capital to assets | 11.0273% | 3,084 |
| Core capital (leverage) ratio | 8.6088% | 5,503 |
| Tier 1 risk-based capital ratio | 14.0786% | 4,380 |
| Total risk-based capital ratio | 15.2043% | 4,451 |
| Memoranda: | ||
| Average total assets | $310,767,670 | 2,088 |
| Average earning assets | $286,442,670 | 2,081 |
| Average equity | $32,153,000 | 2,143 |
| Average total loans | $131,534,670 | 2,901 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4087% | 6,800 |
| Cost of funding earning assets | 0.5558% | 5,458 |
| Net interest margin | 2.8529% | 6,552 |
| Noninterest income to average assets | 0.2816% | 5,613 |
| Noninterest expense to average assets | 1.8559% | 6,724 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.7818% | 3,467 |
| Return on assets (ROA) | 0.8525% | 3,381 |
| Pretax return on assets | 1.1480% | 3,121 |
| Return on Equity (ROE) | 8.4998% | 3,056 |
| Retained earnings to average equity (ytd only) | 7.5471% | 2,152 |
| Net charge-offs to loans | 0.0185% | 4,430 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 139.5000% | 260 |
| Efficiency ratio | 62.6459% | 5,162 |
| Assets per employee ($millions) | 5.8190% | 1,412 |
| Cash dividends to net income (ytd only)* | 11.2094% | 2,519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8048% | 2,979 |
| Loan loss allowance to noncurrent loans | 164.7232% | 1,980 |
| Noncurrent assets plus other real estate owned to assets | 0.4312% | 5,784 |
| Noncurrent loans to loans | 1.0957% | 4,502 |
| Net loans and leases to total assets | 38.6461% | 6,448 |
| Net loans and leases to deposits | 49.0621% | 6,216 |
| Net loans and leases to core deposits | 52.6187% | 6,156 |
| Total domestic deposits to total assets | 78.7697% | 6,127 |
| Equity capital to assets | 10.1962% | 3,859 |
| Core capital (leverage) ratio | 8.7375% | 5,236 |
| Tier 1 risk-based capital ratio | 14.1652% | 4,347 |
| Total risk-based capital ratio | 15.3761% | 4,343 |
| Memoranda: | ||
| Average total assets | $318,128,000 | 2,044 |
| Average earning assets | $292,899,000 | 2,036 |
| Average equity | $31,906,500 | 2,158 |
| Average total loans | $129,604,000 | 2,949 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7550% | 6,779 |
| Cost of funding earning assets | 0.7193% | 5,411 |
| Net interest margin | 3.0357% | 6,476 |
| Noninterest income to average assets | 0.2974% | 5,400 |
| Noninterest expense to average assets | 2.0824% | 6,527 |
| Loan and lease loss provision to assets | 0.0164% | 6,356 |
| Net operating income to assets | 0.7639% | 3,198 |
| Return on assets (ROA) | 0.7976% | 3,213 |
| Pretax return on assets | 1.0435% | 3,061 |
| Return on Equity (ROE) | 6.9614% | 3,422 |
| Retained earnings to average equity (ytd only) | -8.8143% | 6,661 |
| Net charge-offs to loans | 0.0992% | 5,358 |
| Credit loss provision to net charge-offs | 37.0370% | 5,678 |
| Earnings coverage of net charge-offs (x) | 22.8889% | 1,046 |
| Efficiency ratio | 66.0726% | 4,757 |
| Assets per employee ($millions) | 5.9635% | 1,259 |
| Cash dividends to net income (ytd only)* | 226.6172% | 68 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6512% | 3,373 |
| Loan loss allowance to noncurrent loans | 164.5588% | 1,955 |
| Noncurrent assets plus other real estate owned to assets | 0.4223% | 5,915 |
| Noncurrent loans to loans | 1.0034% | 4,699 |
| Net loans and leases to total assets | 41.3943% | 6,429 |
| Net loans and leases to deposits | 57.7020% | 5,725 |
| Net loans and leases to core deposits | 63.7001% | 5,493 |
| Total domestic deposits to total assets | 71.7380% | 6,886 |
| Equity capital to assets | 9.8668% | 4,347 |
| Core capital (leverage) ratio | 8.5396% | 5,495 |
| Tier 1 risk-based capital ratio | 13.1166% | 4,977 |
| Total risk-based capital ratio | 14.2687% | 5,030 |
| Memoranda: | ||
| Average total assets | $304,269,200 | 2,110 |
| Average earning assets | $280,694,200 | 2,092 |
| Average equity | $34,863,800 | 1,928 |
| Average total loans | $136,081,000 | 2,876 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8078% | 6,833 |
| Cost of funding earning assets | 0.7582% | 5,416 |
| Net interest margin | 3.0496% | 6,496 |
| Noninterest income to average assets | 0.3011% | 5,459 |
| Noninterest expense to average assets | 2.1661% | 6,355 |
| Loan and lease loss provision to assets | 0.0222% | 6,167 |
| Net operating income to assets | 0.7260% | 3,479 |
| Return on assets (ROA) | 0.7729% | 3,448 |
| Pretax return on assets | 0.9970% | 3,416 |
| Return on Equity (ROE) | 6.5026% | 3,767 |
| Retained earnings to average equity (ytd only) | 6.5026% | 2,244 |
| Net charge-offs to loans | 0.1370% | 4,687 |
| Credit loss provision to net charge-offs | 35.7143% | 5,328 |
| Earnings coverage of net charge-offs (x) | 15.4073% | 1,467 |
| Efficiency ratio | 68.1559% | 4,288 |
| Assets per employee ($millions) | 5.5524% | 1,541 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7023% | 3,257 |
| Loan loss allowance to noncurrent loans | 165.0407% | 1,845 |
| Noncurrent assets plus other real estate owned to assets | 0.4513% | 5,960 |
| Noncurrent loans to loans | 1.0314% | 4,835 |
| Net loans and leases to total assets | 43.0068% | 6,430 |
| Net loans and leases to deposits | 56.3607% | 5,996 |
| Net loans and leases to core deposits | 62.1933% | 5,799 |
| Total domestic deposits to total assets | 76.3063% | 6,488 |
| Equity capital to assets | 12.1897% | 2,110 |
| Core capital (leverage) ratio | 10.2323% | 3,151 |
| Tier 1 risk-based capital ratio | 16.0268% | 3,104 |
| Total risk-based capital ratio | 17.1526% | 3,121 |
| Memoranda: | ||
| Average total assets | $299,829,000 | 2,145 |
| Average earning assets | $277,668,750 | 2,125 |
| Average equity | $35,636,250 | 1,897 |
| Average total loans | $136,216,250 | 2,903 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8446% | 6,872 |
| Cost of funding earning assets | 0.7982% | 5,380 |
| Net interest margin | 3.0464% | 6,513 |
| Noninterest income to average assets | 0.3028% | 5,471 |
| Noninterest expense to average assets | 2.1979% | 6,391 |
| Loan and lease loss provision to assets | 0.0334% | 5,901 |
| Net operating income to assets | 0.6982% | 3,554 |
| Return on assets (ROA) | 0.7684% | 3,343 |
| Pretax return on assets | 0.9826% | 3,299 |
| Return on Equity (ROE) | 6.5209% | 3,693 |
| Retained earnings to average equity (ytd only) | 6.5209% | 2,128 |
| Net charge-offs to loans | -0.0116% | 6,717 |
| Credit loss provision to net charge-offs | -625.0000% | 6,531 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2078% | 4,286 |
| Assets per employee ($millions) | 5.4003% | 1,655 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8624% | 2,790 |
| Loan loss allowance to noncurrent loans | 171.4183% | 1,749 |
| Noncurrent assets plus other real estate owned to assets | 0.4593% | 6,005 |
| Noncurrent loans to loans | 1.0865% | 4,851 |
| Net loans and leases to total assets | 41.4882% | 6,632 |
| Net loans and leases to deposits | 57.3017% | 6,019 |
| Net loans and leases to core deposits | 63.5223% | 5,777 |
| Total domestic deposits to total assets | 72.4031% | 6,982 |
| Equity capital to assets | 11.8582% | 2,203 |
| Core capital (leverage) ratio | 10.1674% | 3,071 |
| Tier 1 risk-based capital ratio | 16.4442% | 2,773 |
| Total risk-based capital ratio | 17.6953% | 2,734 |
| Memoranda: | ||
| Average total assets | $299,829,670 | 2,150 |
| Average earning assets | $277,639,000 | 2,122 |
| Average equity | $35,332,330 | 1,897 |
| Average total loans | $137,895,330 | 2,891 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8312% | 6,911 |
| Cost of funding earning assets | 0.8369% | 5,351 |
| Net interest margin | 2.9943% | 6,586 |
| Noninterest income to average assets | 0.3015% | 5,512 |
| Noninterest expense to average assets | 2.2416% | 6,322 |
| Loan and lease loss provision to assets | 0.0402% | 5,491 |
| Net operating income to assets | 0.6474% | 3,764 |
| Return on assets (ROA) | 0.7155% | 3,510 |
| Pretax return on assets | 0.8736% | 3,601 |
| Return on Equity (ROE) | 6.0910% | 3,853 |
| Retained earnings to average equity (ytd only) | 6.0910% | 2,584 |
| Net charge-offs to loans | -0.0140% | 6,453 |
| Credit loss provision to net charge-offs | -600.0000% | 5,986 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7837% | 3,916 |
| Assets per employee ($millions) | 5.3189% | 1,750 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7507% | 3,172 |
| Loan loss allowance to noncurrent loans | 172.3684% | 1,698 |
| Noncurrent assets plus other real estate owned to assets | 0.7044% | 5,524 |
| Noncurrent loans to loans | 1.0157% | 5,022 |
| Net loans and leases to total assets | 42.8950% | 6,551 |
| Net loans and leases to deposits | 60.1903% | 5,711 |
| Net loans and leases to core deposits | 71.6310% | 4,834 |
| Total domestic deposits to total assets | 71.2657% | 7,121 |
| Equity capital to assets | 11.3785% | 2,361 |
| Core capital (leverage) ratio | 10.1628% | 2,960 |
| Tier 1 risk-based capital ratio | 15.6834% | 3,063 |
| Total risk-based capital ratio | 16.9335% | 3,025 |
| Memoranda: | ||
| Average total assets | $298,537,500 | 2,171 |
| Average earning assets | $276,258,500 | 2,143 |
| Average equity | $35,068,000 | 1,893 |
| Average total loans | $142,919,500 | 2,827 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4746% | 6,459 |
| Cost of funding earning assets | 1.0776% | 5,275 |
| Net interest margin | 3.3970% | 5,642 |
| Noninterest income to average assets | 0.2904% | 5,708 |
| Noninterest expense to average assets | 2.1714% | 6,693 |
| Loan and lease loss provision to assets | 0.0485% | 6,672 |
| Net operating income to assets | 0.8586% | 2,558 |
| Return on assets (ROA) | 1.0560% | 1,949 |
| Pretax return on assets | 1.4930% | 1,392 |
| Return on Equity (ROE) | 9.2282% | 2,206 |
| Retained earnings to average equity (ytd only) | 9.2282% | 656 |
| Net charge-offs to loans | -0.0055% | 7,274 |
| Credit loss provision to net charge-offs | -1,812.5000% | 7,172 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1656% | 5,700 |
| Assets per employee ($millions) | 4.9755% | 2,187 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5369% | 3,831 |
| Loan loss allowance to noncurrent loans | 166.6428% | 1,797 |
| Noncurrent assets plus other real estate owned to assets | 0.7620% | 5,489 |
| Noncurrent loans to loans | 0.9223% | 5,212 |
| Net loans and leases to total assets | 51.5729% | 5,977 |
| Net loans and leases to deposits | 67.2397% | 5,207 |
| Net loans and leases to core deposits | 79.8572% | 4,236 |
| Total domestic deposits to total assets | 76.7000% | 6,529 |
| Equity capital to assets | 12.1401% | 1,834 |
| Core capital (leverage) ratio | 10.0375% | 3,049 |
| Tier 1 risk-based capital ratio | 14.7804% | 3,380 |
| Total risk-based capital ratio | 15.9874% | 3,363 |
| Memoranda: | ||
| Average total assets | $299,255,600 | 2,153 |
| Average earning assets | $277,005,600 | 2,139 |
| Average equity | $34,242,800 | 1,933 |
| Average total loans | $146,356,000 | 2,833 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5296% | 6,529 |
| Cost of funding earning assets | 1.1332% | 5,231 |
| Net interest margin | 3.3963% | 5,694 |
| Noninterest income to average assets | 0.3078% | 5,688 |
| Noninterest expense to average assets | 2.0888% | 6,870 |
| Loan and lease loss provision to assets | 0.0508% | 6,573 |
| Net operating income to assets | 0.9212% | 2,534 |
| Return on assets (ROA) | 1.0841% | 2,062 |
| Pretax return on assets | 1.5456% | 1,485 |
| Return on Equity (ROE) | 9.6145% | 2,285 |
| Retained earnings to average equity (ytd only) | 9.6145% | 890 |
| Net charge-offs to loans | -0.0184% | 7,345 |
| Credit loss provision to net charge-offs | -575.0000% | 7,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4653% | 6,036 |
| Assets per employee ($millions) | 4.8815% | 2,351 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5778% | 3,627 |
| Loan loss allowance to noncurrent loans | 85.9113% | 3,182 |
| Noncurrent assets plus other real estate owned to assets | 0.9476% | 5,200 |
| Noncurrent loans to loans | 1.8365% | 3,884 |
| Net loans and leases to total assets | 50.7857% | 6,238 |
| Net loans and leases to deposits | 65.5439% | 5,714 |
| Net loans and leases to core deposits | 77.9705% | 4,807 |
| Total domestic deposits to total assets | 77.4834% | 6,371 |
| Equity capital to assets | 12.3465% | 1,944 |
| Core capital (leverage) ratio | 9.9048% | 3,352 |
| Tier 1 risk-based capital ratio | 14.8878% | 3,306 |
| Total risk-based capital ratio | 16.1261% | 3,294 |
| Memoranda: | ||
| Average total assets | $301,924,500 | 2,173 |
| Average earning assets | $279,549,000 | 2,145 |
| Average equity | $34,045,000 | 1,967 |
| Average total loans | $145,157,000 | 2,893 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5854% | 6,499 |
| Cost of funding earning assets | 1.1859% | 5,204 |
| Net interest margin | 3.3995% | 5,646 |
| Noninterest income to average assets | 0.2180% | 6,357 |
| Noninterest expense to average assets | 2.0040% | 7,105 |
| Loan and lease loss provision to assets | 0.0552% | 6,406 |
| Net operating income to assets | 0.9345% | 2,423 |
| Return on assets (ROA) | 0.9345% | 2,513 |
| Pretax return on assets | 1.3083% | 2,057 |
| Return on Equity (ROE) | 8.5355% | 2,652 |
| Retained earnings to average equity (ytd only) | 8.5355% | 1,253 |
| Net charge-offs to loans | -0.0193% | 7,279 |
| Credit loss provision to net charge-offs | -607.1429% | 6,851 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4698% | 6,312 |
| Assets per employee ($millions) | 4.7424% | 2,519 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5572% | 3,638 |
| Loan loss allowance to noncurrent loans | 155.8379% | 1,796 |
| Noncurrent assets plus other real estate owned to assets | 0.5117% | 6,180 |
| Noncurrent loans to loans | 0.9993% | 5,312 |
| Net loans and leases to total assets | 50.4107% | 6,385 |
| Net loans and leases to deposits | 66.2401% | 5,777 |
| Net loans and leases to core deposits | 78.7741% | 4,835 |
| Total domestic deposits to total assets | 76.1029% | 6,671 |
| Equity capital to assets | 12.0984% | 2,044 |
| Core capital (leverage) ratio | 9.1267% | 4,415 |
| Tier 1 risk-based capital ratio | 14.1589% | 3,626 |
| Total risk-based capital ratio | 15.3634% | 3,614 |
| Memoranda: | ||
| Average total assets | $308,191,000 | 2,153 |
| Average earning assets | $285,512,000 | 2,117 |
| Average equity | $33,741,330 | 1,977 |
| Average total loans | $144,845,330 | 2,929 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3540% | 7,063 |
| Cost of funding earning assets | 1.2280% | 5,243 |
| Net interest margin | 3.1260% | 6,529 |
| Noninterest income to average assets | 0.1875% | 6,617 |
| Noninterest expense to average assets | 1.9274% | 7,291 |
| Loan and lease loss provision to assets | 0.0375% | 6,300 |
| Net operating income to assets | 0.8137% | 2,906 |
| Return on assets (ROA) | 0.8137% | 3,005 |
| Pretax return on assets | 1.1212% | 2,669 |
| Return on Equity (ROE) | 7.7965% | 2,980 |
| Retained earnings to average equity (ytd only) | 7.7965% | 1,793 |
| Net charge-offs to loans | -0.0222% | 7,097 |
| Credit loss provision to net charge-offs | -375.0000% | 6,213 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3609% | 5,935 |
| Assets per employee ($millions) | 5.2655% | 1,894 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5475% | 3,671 |
| Loan loss allowance to noncurrent loans | 529.4964% | 603 |
| Noncurrent assets plus other real estate owned to assets | 0.1320% | 7,151 |
| Noncurrent loans to loans | 0.2923% | 6,740 |
| Net loans and leases to total assets | 44.4628% | 6,958 |
| Net loans and leases to deposits | 62.0784% | 6,267 |
| Net loans and leases to core deposits | 73.4835% | 5,552 |
| Total domestic deposits to total assets | 71.6237% | 7,299 |
| Equity capital to assets | 10.6575% | 3,080 |
| Core capital (leverage) ratio | 8.1966% | 5,910 |
| Tier 1 risk-based capital ratio | 13.6015% | 3,925 |
| Total risk-based capital ratio | 14.7630% | 3,939 |
| Memoranda: | ||
| Average total assets | $320,016,000 | 2,130 |
| Average earning assets | $296,736,500 | 2,099 |
| Average equity | $33,399,500 | 2,009 |
| Average total loans | $144,414,000 | 2,991 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8040% | 6,945 |
| Cost of funding earning assets | 1.4159% | 5,862 |
| Net interest margin | 3.3881% | 5,410 |
| Noninterest income to average assets | 0.3167% | 5,816 |
| Noninterest expense to average assets | 2.1610% | 7,069 |
| Loan and lease loss provision to assets | 0.1891% | 5,830 |
| Net operating income to assets | 0.7865% | 2,583 |
| Return on assets (ROA) | 0.8083% | 2,588 |
| Pretax return on assets | 1.1394% | 2,127 |
| Return on Equity (ROE) | 7.6253% | 2,531 |
| Retained earnings to average equity (ytd only) | 7.6253% | 797 |
| Net charge-offs to loans | -0.0020% | 7,693 |
| Credit loss provision to net charge-offs | -19,266.6667% | 7,525 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4584% | 6,249 |
| Assets per employee ($millions) | 5.5880% | 1,572 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4848% | 3,806 |
| Loan loss allowance to noncurrent loans | 112.0289% | 2,513 |
| Noncurrent assets plus other real estate owned to assets | 0.5976% | 5,964 |
| Noncurrent loans to loans | 1.3254% | 4,707 |
| Net loans and leases to total assets | 44.4238% | 7,088 |
| Net loans and leases to deposits | 63.0458% | 6,359 |
| Net loans and leases to core deposits | 80.7922% | 6,016 |
| Total domestic deposits to total assets | 70.4628% | 7,379 |
| Equity capital to assets | 10.2218% | 3,488 |
| Core capital (leverage) ratio | 8.0890% | 6,011 |
| Tier 1 risk-based capital ratio | 13.0487% | 4,111 |
| Total risk-based capital ratio | 14.1733% | 4,144 |
| Memoranda: | ||
| Average total assets | $305,691,800 | 2,182 |
| Average earning assets | $283,491,600 | 2,167 |
| Average equity | $32,405,400 | 2,068 |
| Average total loans | $146,369,400 | 2,980 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8885% | 6,910 |
| Cost of funding earning assets | 1.4462% | 6,051 |
| Net interest margin | 3.4423% | 5,100 |
| Noninterest income to average assets | 0.2165% | 6,684 |
| Noninterest expense to average assets | 2.0423% | 7,305 |
| Loan and lease loss provision to assets | 0.2161% | 5,256 |
| Net operating income to assets | 0.8124% | 2,758 |
| Return on assets (ROA) | 0.8418% | 2,709 |
| Pretax return on assets | 1.1961% | 2,279 |
| Return on Equity (ROE) | 7.8654% | 2,703 |
| Retained earnings to average equity (ytd only) | 7.8654% | 1,171 |
| Net charge-offs to loans | 0.0219% | 6,593 |
| Credit loss provision to net charge-offs | 2,033.3333% | 193 |
| Earnings coverage of net charge-offs (x) | 128.9134% | 292 |
| Efficiency ratio | 58.7983% | 6,592 |
| Assets per employee ($millions) | 5.6173% | 1,500 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4159% | 3,860 |
| Loan loss allowance to noncurrent loans | 494.6988% | 643 |
| Noncurrent assets plus other real estate owned to assets | 0.1319% | 7,214 |
| Noncurrent loans to loans | 0.2862% | 6,795 |
| Net loans and leases to total assets | 45.4420% | 7,143 |
| Net loans and leases to deposits | 64.2211% | 6,472 |
| Net loans and leases to core deposits | 84.7580% | 5,983 |
| Total domestic deposits to total assets | 70.7586% | 7,352 |
| Equity capital to assets | 10.4556% | 3,560 |
| Core capital (leverage) ratio | 7.9448% | 6,450 |
| Tier 1 risk-based capital ratio | 13.0782% | 4,136 |
| Total risk-based capital ratio | 14.1705% | 4,182 |
| Memoranda: | ||
| Average total assets | $301,089,000 | 2,222 |
| Average earning assets | $279,532,000 | 2,199 |
| Average equity | $32,224,500 | 2,088 |
| Average total loans | $146,424,500 | 3,008 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9833% | 6,829 |
| Cost of funding earning assets | 1.4649% | 6,276 |
| Net interest margin | 3.5184% | 4,711 |
| Noninterest income to average assets | 0.2050% | 6,825 |
| Noninterest expense to average assets | 2.1369% | 7,198 |
| Loan and lease loss provision to assets | 0.1517% | 5,555 |
| Net operating income to assets | 0.8217% | 2,771 |
| Return on assets (ROA) | 0.8665% | 2,688 |
| Pretax return on assets | 1.2407% | 2,192 |
| Return on Equity (ROE) | 8.0306% | 2,757 |
| Retained earnings to average equity (ytd only) | 8.0306% | 1,195 |
| Net charge-offs to loans | 0.0095% | 6,434 |
| Credit loss provision to net charge-offs | 3,214.2857% | 152 |
| Earnings coverage of net charge-offs (x) | 281.4286% | 137 |
| Efficiency ratio | 60.6149% | 6,457 |
| Assets per employee ($millions) | 5.4718% | 1,605 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2074% | 4,883 |
| Loan loss allowance to noncurrent loans | 430.2381% | 743 |
| Noncurrent assets plus other real estate owned to assets | 0.1371% | 7,219 |
| Noncurrent loans to loans | 0.2806% | 6,819 |
| Net loans and leases to total assets | 48.2498% | 7,016 |
| Net loans and leases to deposits | 69.0920% | 6,084 |
| Net loans and leases to core deposits | 92.4998% | 5,295 |
| Total domestic deposits to total assets | 69.8341% | 7,490 |
| Equity capital to assets | 10.5074% | 3,396 |
| Core capital (leverage) ratio | 8.1144% | 6,134 |
| Tier 1 risk-based capital ratio | 12.6201% | 4,426 |
| Total risk-based capital ratio | 13.5728% | 4,579 |
| Memoranda: | ||
| Average total assets | $296,596,000 | 2,274 |
| Average earning assets | $274,840,000 | 2,252 |
| Average equity | $32,002,670 | 2,111 |
| Average total loans | $146,899,670 | 3,032 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0516% | 6,787 |
| Cost of funding earning assets | 1.5054% | 6,386 |
| Net interest margin | 3.5462% | 4,540 |
| Noninterest income to average assets | 0.3456% | 5,683 |
| Noninterest expense to average assets | 2.1064% | 7,103 |
| Loan and lease loss provision to assets | 0.1440% | 5,105 |
| Net operating income to assets | 0.9476% | 2,524 |
| Return on assets (ROA) | 0.9476% | 2,653 |
| Pretax return on assets | 1.3741% | 2,047 |
| Return on Equity (ROE) | 8.6631% | 2,855 |
| Retained earnings to average equity (ytd only) | 8.6631% | 1,578 |
| Net charge-offs to loans | -0.0467% | 7,677 |
| Credit loss provision to net charge-offs | -617.6471% | 6,445 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0942% | 6,811 |
| Assets per employee ($millions) | 5.2256% | 1,829 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1832% | 4,914 |
| Loan loss allowance to noncurrent loans | 342.8858% | 998 |
| Noncurrent assets plus other real estate owned to assets | 0.1705% | 7,040 |
| Noncurrent loans to loans | 0.3451% | 6,568 |
| Net loans and leases to total assets | 48.8311% | 6,959 |
| Net loans and leases to deposits | 58.4471% | 7,006 |
| Net loans and leases to core deposits | 75.3856% | 6,719 |
| Total domestic deposits to total assets | 83.5475% | 3,902 |
| Equity capital to assets | 10.9083% | 3,060 |
| Core capital (leverage) ratio | 8.3510% | 5,809 |
| Tier 1 risk-based capital ratio | 12.7968% | 4,327 |
| Total risk-based capital ratio | 13.7358% | 4,477 |
| Memoranda: | ||
| Average total assets | $291,683,000 | 2,325 |
| Average earning assets | $269,695,000 | 2,294 |
| Average equity | $31,905,500 | 2,123 |
| Average total loans | $145,522,000 | 3,081 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8190% | 6,371 |
| Cost of funding earning assets | 2.1575% | 5,791 |
| Net interest margin | 3.6615% | 4,636 |
| Noninterest income to average assets | 0.3391% | 6,027 |
| Noninterest expense to average assets | 2.4555% | 6,183 |
| Loan and lease loss provision to assets | 0.0488% | 6,802 |
| Net operating income to assets | 0.7981% | 3,442 |
| Return on assets (ROA) | 0.7976% | 3,284 |
| Pretax return on assets | 1.1600% | 2,808 |
| Return on Equity (ROE) | 7.0938% | 3,480 |
| Retained earnings to average equity (ytd only) | 6.5928% | 1,304 |
| Net charge-offs to loans | 0.4877% | 2,407 |
| Credit loss provision to net charge-offs | 19.3741% | 6,583 |
| Earnings coverage of net charge-offs (x) | 4.8003% | 3,851 |
| Efficiency ratio | 65.8914% | 5,146 |
| Assets per employee ($millions) | 5.1917% | 1,732 |
| Cash dividends to net income (ytd only)* | 7.0621% | 4,748 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0851% | 5,377 |
| Loan loss allowance to noncurrent loans | 330.3534% | 1,229 |
| Noncurrent assets plus other real estate owned to assets | 0.1654% | 6,910 |
| Noncurrent loans to loans | 0.3285% | 6,387 |
| Net loans and leases to total assets | 49.8217% | 7,045 |
| Net loans and leases to deposits | 64.1001% | 6,787 |
| Net loans and leases to core deposits | 85.9103% | 6,139 |
| Total domestic deposits to total assets | 77.7247% | 5,799 |
| Equity capital to assets | 10.9688% | 3,071 |
| Core capital (leverage) ratio | 8.1819% | 6,195 |
| Tier 1 risk-based capital ratio | 12.2518% | 4,624 |
| Total risk-based capital ratio | 13.1133% | 4,831 |
| Memoranda: | ||
| Average total assets | $266,304,200 | 2,408 |
| Average earning assets | $241,895,800 | 2,438 |
| Average equity | $29,941,800 | 2,266 |
| Average total loans | $137,594,800 | 3,132 |