Home > Aquesta Bank > Performance and Condition Ratios
Aquesta Bank, 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 | 3.8051% | 2,005 |
| Cost of funding earning assets | 0.4417% | 1,408 |
| Net interest margin | 3.3635% | 2,257 |
| Noninterest income to average assets | 0.4809% | 2,708 |
| Noninterest expense to average assets | 3.0389% | 906 |
| Loan and lease loss provision to assets | 0.0376% | 2,239 |
| Net operating income to assets | 0.4427% | 4,309 |
| Return on assets (ROA) | 0.4427% | 4,343 |
| Pretax return on assets | 0.5640% | 4,278 |
| Return on Equity (ROE) | 5.3395% | 4,053 |
| Retained earnings to average equity (ytd only) | 2.0503% | 4,176 |
| Net charge-offs to loans | 1.1957% | 51 |
| Credit loss provision to net charge-offs | 4.2839% | 2,041 |
| Earnings coverage of net charge-offs (x) | 0.6848% | 2,399 |
| Efficiency ratio | 83.4740% | 550 |
| Assets per employee ($millions) | 8.2270% | 1,167 |
| Cash dividends to net income (ytd only)* | 61.6016% | 807 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1387% | 4,848 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0148% | 4,119 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 65.9994% | 1,549 |
| Net loans and leases to deposits | 75.6594% | 1,700 |
| Net loans and leases to core deposits | 76.4476% | 2,005 |
| Total domestic deposits to total assets | 87.2322% | 2,252 |
| Equity capital to assets | 7.8835% | 4,568 |
| Core capital (leverage) ratio | 8.1596% | 4,337 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7409% | 2,793 |
| Memoranda: | ||
| Average total assets | $733,316,750 | 1,258 |
| Average earning assets | $688,874,750 | 1,258 |
| Average equity | $60,803,000 | 1,522 |
| Average total loans | $538,806,000 | 1,121 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9760% | 1,626 |
| Cost of funding earning assets | 0.4583% | 1,465 |
| Net interest margin | 3.5177% | 1,809 |
| Noninterest income to average assets | 0.5486% | 2,413 |
| Noninterest expense to average assets | 2.2168% | 3,030 |
| Loan and lease loss provision to assets | 0.0571% | 1,889 |
| Net operating income to assets | 1.2342% | 2,066 |
| Return on assets (ROA) | 1.2342% | 2,133 |
| Pretax return on assets | 1.5780% | 1,802 |
| Return on Equity (ROE) | 14.6353% | 1,250 |
| Retained earnings to average equity (ytd only) | 14.6353% | 478 |
| Net charge-offs to loans | 0.0856% | 824 |
| Credit loss provision to net charge-offs | 87.7119% | 1,449 |
| Earnings coverage of net charge-offs (x) | 25.1314% | 1,416 |
| Efficiency ratio | 57.5508% | 3,339 |
| Assets per employee ($millions) | 7.1750% | 1,677 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0102% | 3,786 |
| Loan loss allowance to noncurrent loans | 563.3653% | 1,162 |
| Noncurrent assets plus other real estate owned to assets | 0.1433% | 3,293 |
| Noncurrent loans to loans | 0.1793% | 3,321 |
| Net loans and leases to total assets | 70.1396% | 1,182 |
| Net loans and leases to deposits | 80.8976% | 1,341 |
| Net loans and leases to core deposits | 81.7390% | 1,747 |
| Total domestic deposits to total assets | 86.7018% | 2,474 |
| Equity capital to assets | 8.5756% | 4,144 |
| Core capital (leverage) ratio | 8.8300% | 3,670 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3533% | 2,225 |
| Memoranda: | ||
| Average total assets | $725,462,333 | 1,256 |
| Average earning assets | $681,239,333 | 1,255 |
| Average equity | $61,181,000 | 1,500 |
| Average total loans | $551,664,667 | 1,109 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1170% | 1,349 |
| Cost of funding earning assets | 0.4708% | 1,588 |
| Net interest margin | 3.6461% | 1,458 |
| Noninterest income to average assets | 0.7197% | 1,805 |
| Noninterest expense to average assets | 2.2051% | 3,094 |
| Loan and lease loss provision to assets | 0.1152% | 1,193 |
| Net operating income to assets | 1.4092% | 1,545 |
| Return on assets (ROA) | 1.4092% | 1,617 |
| Pretax return on assets | 1.8217% | 1,254 |
| Return on Equity (ROE) | 16.8565% | 873 |
| Retained earnings to average equity (ytd only) | 16.8565% | 436 |
| Net charge-offs to loans | 0.1669% | 485 |
| Credit loss provision to net charge-offs | 87.7119% | 1,181 |
| Earnings coverage of net charge-offs (x) | 14.7458% | 1,356 |
| Efficiency ratio | 53.2384% | 3,885 |
| Assets per employee ($millions) | 7.5452% | 1,424 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9178% | 4,106 |
| Loan loss allowance to noncurrent loans | 100.3795% | 3,336 |
| Noncurrent assets plus other real estate owned to assets | 0.7490% | 1,222 |
| Noncurrent loans to loans | 0.9143% | 1,482 |
| Net loans and leases to total assets | 75.6927% | 658 |
| Net loans and leases to deposits | 89.7109% | 716 |
| Net loans and leases to core deposits | 90.7210% | 1,184 |
| Total domestic deposits to total assets | 84.3740% | 3,319 |
| Equity capital to assets | 8.0568% | 4,458 |
| Core capital (leverage) ratio | 9.0223% | 3,584 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0599% | 2,268 |
| Memoranda: | ||
| Average total assets | $718,682,000 | 1,258 |
| Average earning assets | $674,576,500 | 1,252 |
| Average equity | $60,083,500 | 1,517 |
| Average total loans | $565,678,000 | 1,093 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3646% | 1,679 |
| Cost of funding earning assets | 0.8132% | 1,156 |
| Net interest margin | 3.5514% | 2,305 |
| Noninterest income to average assets | 0.4234% | 3,002 |
| Noninterest expense to average assets | 2.2289% | 3,599 |
| Loan and lease loss provision to assets | 0.3151% | 1,183 |
| Net operating income to assets | 0.8338% | 2,966 |
| Return on assets (ROA) | 0.8659% | 2,978 |
| Pretax return on assets | 1.1126% | 2,643 |
| Return on Equity (ROE) | 9.5522% | 2,181 |
| Retained earnings to average equity (ytd only) | 9.5522% | 674 |
| Net charge-offs to loans | 0.0995% | 1,476 |
| Credit loss provision to net charge-offs | 390.2000% | 1,462 |
| Earnings coverage of net charge-offs (x) | 17.1860% | 2,087 |
| Efficiency ratio | 61.6418% | 3,203 |
| Assets per employee ($millions) | 6.8285% | 1,694 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9585% | 4,007 |
| Loan loss allowance to noncurrent loans | 93.3813% | 3,420 |
| Noncurrent assets plus other real estate owned to assets | 0.8342% | 1,206 |
| Noncurrent loans to loans | 1.0264% | 1,385 |
| Net loans and leases to total assets | 80.4914% | 391 |
| Net loans and leases to deposits | 98.4704% | 439 |
| Net loans and leases to core deposits | 99.7257% | 911 |
| Total domestic deposits to total assets | 81.7417% | 3,723 |
| Equity capital to assets | 8.6955% | 4,291 |
| Core capital (leverage) ratio | 9.0617% | 3,598 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3965% | 1,718 |
| Memoranda: | ||
| Average total assets | $619,551,200 | 1,297 |
| Average earning assets | $556,938,200 | 1,329 |
| Average equity | $56,165,000 | 1,525 |
| Average total loans | $502,474,400 | 1,133 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3249% | 2,026 |
| Cost of funding earning assets | 0.8976% | 1,078 |
| Net interest margin | 3.4273% | 2,825 |
| Noninterest income to average assets | 0.3505% | 3,366 |
| Noninterest expense to average assets | 2.1190% | 3,898 |
| Loan and lease loss provision to assets | 0.3331% | 1,165 |
| Net operating income to assets | 0.7379% | 3,326 |
| Return on assets (ROA) | 0.7699% | 3,325 |
| Pretax return on assets | 0.9854% | 3,120 |
| Return on Equity (ROE) | 8.3954% | 2,649 |
| Retained earnings to average equity (ytd only) | 8.3954% | 1,177 |
| Net charge-offs to loans | 0.0575% | 1,786 |
| Credit loss provision to net charge-offs | 714.6919% | 1,053 |
| Earnings coverage of net charge-offs (x) | 27.4265% | 1,668 |
| Efficiency ratio | 62.3781% | 3,012 |
| Assets per employee ($millions) | 7.5536% | 1,179 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8928% | 4,096 |
| Loan loss allowance to noncurrent loans | 65.4709% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | 1.1477% | 898 |
| Noncurrent loans to loans | 1.3637% | 1,071 |
| Net loans and leases to total assets | 83.4085% | 327 |
| Net loans and leases to deposits | 105.2445% | 347 |
| Net loans and leases to core deposits | 106.8730% | 810 |
| Total domestic deposits to total assets | 79.2521% | 4,012 |
| Equity capital to assets | 8.3556% | 4,544 |
| Core capital (leverage) ratio | 9.1381% | 3,605 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6369% | 1,954 |
| Memoranda: | ||
| Average total assets | $603,727,500 | 1,307 |
| Average earning assets | $536,658,250 | 1,361 |
| Average equity | $55,362,000 | 1,536 |
| Average total loans | $489,355,250 | 1,155 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4342% | 2,118 |
| Cost of funding earning assets | 0.9945% | 1,001 |
| Net interest margin | 3.4397% | 2,975 |
| Noninterest income to average assets | 0.3862% | 3,164 |
| Noninterest expense to average assets | 2.0766% | 4,080 |
| Loan and lease loss provision to assets | 0.3935% | 1,036 |
| Net operating income to assets | 0.7642% | 3,177 |
| Return on assets (ROA) | 0.8145% | 3,107 |
| Pretax return on assets | 1.0357% | 2,911 |
| Return on Equity (ROE) | 8.5786% | 2,533 |
| Retained earnings to average equity (ytd only) | 8.5786% | 1,138 |
| Net charge-offs to loans | 0.0248% | 2,223 |
| Credit loss provision to net charge-offs | 1,987.7193% | 490 |
| Earnings coverage of net charge-offs (x) | 68.9825% | 887 |
| Efficiency ratio | 60.3269% | 3,373 |
| Assets per employee ($millions) | 7.0632% | 1,405 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8853% | 4,057 |
| Loan loss allowance to noncurrent loans | 46.8581% | 4,104 |
| Noncurrent assets plus other real estate owned to assets | 1.5560% | 587 |
| Noncurrent loans to loans | 1.8892% | 729 |
| Net loans and leases to total assets | 81.6341% | 442 |
| Net loans and leases to deposits | 106.3043% | 312 |
| Net loans and leases to core deposits | 108.0172% | 816 |
| Total domestic deposits to total assets | 76.7929% | 4,344 |
| Equity capital to assets | 8.2763% | 4,601 |
| Core capital (leverage) ratio | 9.3054% | 3,575 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5407% | 1,985 |
| Memoranda: | ||
| Average total assets | $575,843,000 | 1,339 |
| Average earning assets | $511,611,000 | 1,396 |
| Average equity | $54,671,000 | 1,537 |
| Average total loans | $459,640,667 | 1,193 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8477% | 1,313 |
| Cost of funding earning assets | 1.2128% | 739 |
| Net interest margin | 3.6350% | 2,553 |
| Noninterest income to average assets | 0.4955% | 2,567 |
| Noninterest expense to average assets | 2.6124% | 2,946 |
| Loan and lease loss provision to assets | 0.2477% | 1,251 |
| Net operating income to assets | 0.6801% | 3,335 |
| Return on assets (ROA) | 0.6891% | 3,376 |
| Pretax return on assets | 0.8911% | 3,164 |
| Return on Equity (ROE) | 6.7029% | 3,069 |
| Retained earnings to average equity (ytd only) | 6.7029% | 1,646 |
| Net charge-offs to loans | 0.0614% | 1,398 |
| Credit loss provision to net charge-offs | 515.8730% | 860 |
| Earnings coverage of net charge-offs (x) | 23.4762% | 1,328 |
| Efficiency ratio | 69.8532% | 2,377 |
| Assets per employee ($millions) | 5.5942% | 2,028 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0207% | 3,592 |
| Loan loss allowance to noncurrent loans | 50.2433% | 4,085 |
| Noncurrent assets plus other real estate owned to assets | 1.6651% | 600 |
| Noncurrent loans to loans | 2.0315% | 696 |
| Net loans and leases to total assets | 76.1604% | 1,276 |
| Net loans and leases to deposits | 99.4944% | 591 |
| Net loans and leases to core deposits | 101.7833% | 1,344 |
| Total domestic deposits to total assets | 76.5474% | 4,420 |
| Equity capital to assets | 10.4112% | 3,402 |
| Core capital (leverage) ratio | 10.8411% | 2,608 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6633% | 2,021 |
| Memoranda: | ||
| Average total assets | $524,731,000 | 1,407 |
| Average earning assets | $468,342,000 | 1,448 |
| Average equity | $53,947,000 | 1,546 |
| Average total loans | $410,222,000 | 1,271 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0008% | 1,478 |
| Cost of funding earning assets | 1.3206% | 731 |
| Net interest margin | 3.6802% | 2,870 |
| Noninterest income to average assets | 0.5994% | 2,222 |
| Noninterest expense to average assets | 2.7979% | 2,606 |
| Loan and lease loss provision to assets | 0.0697% | 2,612 |
| Net operating income to assets | 0.9177% | 3,134 |
| Return on assets (ROA) | 0.9094% | 3,259 |
| Pretax return on assets | 1.1255% | 3,093 |
| Return on Equity (ROE) | 9.2508% | 2,642 |
| Retained earnings to average equity (ytd only) | 9.2508% | 656 |
| Net charge-offs to loans | -0.0090% | 4,442 |
| Credit loss provision to net charge-offs | -971.4286% | 4,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8894% | 2,187 |
| Assets per employee ($millions) | 5.5116% | 2,046 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9302% | 3,842 |
| Loan loss allowance to noncurrent loans | 324.4966% | 1,421 |
| Noncurrent assets plus other real estate owned to assets | 0.2277% | 3,539 |
| Noncurrent loans to loans | 0.2867% | 3,412 |
| Net loans and leases to total assets | 78.6760% | 980 |
| Net loans and leases to deposits | 97.8313% | 773 |
| Net loans and leases to core deposits | 99.7315% | 1,584 |
| Total domestic deposits to total assets | 80.4200% | 3,892 |
| Equity capital to assets | 10.1500% | 3,788 |
| Core capital (leverage) ratio | 10.7086% | 2,753 |
| Tier 1 risk-based capital ratio | 13.6269% | 3,446 |
| Total risk-based capital ratio | 14.5984% | 3,494 |
| Memoranda: | ||
| Average total assets | $487,791,000 | 1,456 |
| Average earning assets | $451,171,200 | 1,450 |
| Average equity | $47,952,400 | 1,662 |
| Average total loans | $387,298,800 | 1,301 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0319% | 1,463 |
| Cost of funding earning assets | 1.3487% | 677 |
| Net interest margin | 3.6832% | 2,981 |
| Noninterest income to average assets | 0.4873% | 2,812 |
| Noninterest expense to average assets | 2.6380% | 3,048 |
| Loan and lease loss provision to assets | 0.0947% | 2,020 |
| Net operating income to assets | 0.9247% | 3,257 |
| Return on assets (ROA) | 0.9247% | 3,327 |
| Pretax return on assets | 1.1734% | 3,063 |
| Return on Equity (ROE) | 9.4909% | 2,676 |
| Retained earnings to average equity (ytd only) | 9.4909% | 898 |
| Net charge-offs to loans | -0.0102% | 4,379 |
| Credit loss provision to net charge-offs | -1,172.4138% | 4,442 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5364% | 2,492 |
| Assets per employee ($millions) | 5.3139% | 2,201 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9764% | 3,700 |
| Loan loss allowance to noncurrent loans | 323.1799% | 1,421 |
| Noncurrent assets plus other real estate owned to assets | 0.2367% | 3,623 |
| Noncurrent loans to loans | 0.3021% | 3,455 |
| Net loans and leases to total assets | 77.5898% | 1,209 |
| Net loans and leases to deposits | 99.5453% | 675 |
| Net loans and leases to core deposits | 100.7443% | 1,603 |
| Total domestic deposits to total assets | 77.9442% | 4,357 |
| Equity capital to assets | 10.2679% | 3,756 |
| Core capital (leverage) ratio | 10.9410% | 2,699 |
| Tier 1 risk-based capital ratio | 13.5148% | 3,565 |
| Total risk-based capital ratio | 14.4976% | 3,619 |
| Memoranda: | ||
| Average total assets | $478,837,250 | 1,487 |
| Average earning assets | $444,463,000 | 1,477 |
| Average equity | $46,654,000 | 1,698 |
| Average total loans | $380,168,500 | 1,333 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0460% | 1,362 |
| Cost of funding earning assets | 1.3703% | 595 |
| Net interest margin | 3.6757% | 3,008 |
| Noninterest income to average assets | 0.5985% | 2,161 |
| Noninterest expense to average assets | 2.6969% | 2,919 |
| Loan and lease loss provision to assets | 0.0872% | 2,103 |
| Net operating income to assets | 0.9792% | 2,997 |
| Return on assets (ROA) | 0.9792% | 3,065 |
| Pretax return on assets | 1.2468% | 2,760 |
| Return on Equity (ROE) | 10.2477% | 2,270 |
| Retained earnings to average equity (ytd only) | 10.2477% | 691 |
| Net charge-offs to loans | -0.0123% | 4,387 |
| Credit loss provision to net charge-offs | -891.3043% | 4,230 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9059% | 2,697 |
| Assets per employee ($millions) | 5.9429% | 1,582 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9844% | 3,715 |
| Loan loss allowance to noncurrent loans | 343.5826% | 1,386 |
| Noncurrent assets plus other real estate owned to assets | 0.2278% | 3,663 |
| Noncurrent loans to loans | 0.2865% | 3,503 |
| Net loans and leases to total assets | 78.7201% | 1,085 |
| Net loans and leases to deposits | 99.6929% | 704 |
| Net loans and leases to core deposits | 103.5658% | 1,425 |
| Total domestic deposits to total assets | 78.9626% | 4,232 |
| Equity capital to assets | 10.6246% | 3,408 |
| Core capital (leverage) ratio | 10.9322% | 2,661 |
| Tier 1 risk-based capital ratio | 13.8387% | 3,401 |
| Total risk-based capital ratio | 14.8278% | 3,437 |
| Memoranda: | ||
| Average total assets | $470,175,000 | 1,510 |
| Average earning assets | $439,040,000 | 1,496 |
| Average equity | $44,927,000 | 1,756 |
| Average total loans | $375,040,000 | 1,349 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9954% | 1,346 |
| Cost of funding earning assets | 1.3771% | 497 |
| Net interest margin | 3.6183% | 3,189 |
| Noninterest income to average assets | 0.6630% | 1,764 |
| Noninterest expense to average assets | 2.6821% | 2,956 |
| Loan and lease loss provision to assets | 0.1454% | 1,168 |
| Net operating income to assets | 0.9565% | 3,020 |
| Return on assets (ROA) | 0.9565% | 3,064 |
| Pretax return on assets | 1.2097% | 2,769 |
| Return on Equity (ROE) | 10.6138% | 2,115 |
| Retained earnings to average equity (ytd only) | 10.6138% | 899 |
| Net charge-offs to loans | -0.0182% | 4,451 |
| Credit loss provision to net charge-offs | -1,000.0000% | 3,927 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4336% | 2,877 |
| Assets per employee ($millions) | 6.2514% | 1,375 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9703% | 3,870 |
| Loan loss allowance to noncurrent loans | 301.8868% | 1,551 |
| Noncurrent assets plus other real estate owned to assets | 0.2566% | 3,588 |
| Noncurrent loans to loans | 0.3214% | 3,416 |
| Net loans and leases to total assets | 79.0499% | 981 |
| Net loans and leases to deposits | 103.4999% | 419 |
| Net loans and leases to core deposits | 118.0235% | 579 |
| Total domestic deposits to total assets | 76.3769% | 4,720 |
| Equity capital to assets | 10.2901% | 3,532 |
| Core capital (leverage) ratio | 10.7961% | 2,769 |
| Tier 1 risk-based capital ratio | 13.3811% | 3,678 |
| Total risk-based capital ratio | 14.3498% | 3,738 |
| Memoranda: | ||
| Average total assets | $467,545,500 | 1,531 |
| Average earning assets | $436,001,500 | 1,517 |
| Average equity | $42,134,000 | 1,849 |
| Average total loans | $373,568,500 | 1,357 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7882% | 1,572 |
| Cost of funding earning assets | 1.1397% | 434 |
| Net interest margin | 3.6485% | 3,230 |
| Noninterest income to average assets | 0.6304% | 2,149 |
| Noninterest expense to average assets | 2.8143% | 2,639 |
| Loan and lease loss provision to assets | 0.2188% | 827 |
| Net operating income to assets | 0.7593% | 3,938 |
| Return on assets (ROA) | 0.7394% | 4,007 |
| Pretax return on assets | 0.9305% | 3,811 |
| Return on Equity (ROE) | 9.8699% | 2,564 |
| Retained earnings to average equity (ytd only) | 9.8699% | 640 |
| Net charge-offs to loans | 0.0830% | 1,951 |
| Credit loss provision to net charge-offs | 341.4286% | 921 |
| Earnings coverage of net charge-offs (x) | 18.3250% | 2,139 |
| Efficiency ratio | 70.5538% | 2,100 |
| Assets per employee ($millions) | 5.8226% | 1,651 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9495% | 3,965 |
| Loan loss allowance to noncurrent loans | 287.2533% | 1,697 |
| Noncurrent assets plus other real estate owned to assets | 0.2644% | 3,527 |
| Noncurrent loans to loans | 0.3305% | 3,364 |
| Net loans and leases to total assets | 79.2185% | 1,060 |
| Net loans and leases to deposits | 113.8003% | 167 |
| Net loans and leases to core deposits | 116.8762% | 655 |
| Total domestic deposits to total assets | 69.6118% | 5,166 |
| Equity capital to assets | 7.6913% | 5,246 |
| Core capital (leverage) ratio | 8.3044% | 5,117 |
| Tier 1 risk-based capital ratio | 10.3249% | 5,238 |
| Total risk-based capital ratio | 11.2746% | 5,251 |
| Memoranda: | ||
| Average total assets | $436,839,200 | 1,572 |
| Average earning assets | $402,111,600 | 1,581 |
| Average equity | $32,725,600 | 2,168 |
| Average total loans | $337,257,800 | 1,452 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6978% | 1,683 |
| Cost of funding earning assets | 1.0744% | 441 |
| Net interest margin | 3.6234% | 3,293 |
| Noninterest income to average assets | 0.6424% | 2,108 |
| Noninterest expense to average assets | 2.8250% | 2,553 |
| Loan and lease loss provision to assets | 0.2196% | 758 |
| Net operating income to assets | 0.7264% | 4,146 |
| Return on assets (ROA) | 0.6978% | 4,239 |
| Pretax return on assets | 0.8905% | 4,052 |
| Return on Equity (ROE) | 9.3815% | 2,913 |
| Retained earnings to average equity (ytd only) | 9.3815% | 1,080 |
| Net charge-offs to loans | 0.1173% | 1,334 |
| Credit loss provision to net charge-offs | 244.8276% | 1,199 |
| Earnings coverage of net charge-offs (x) | 12.7792% | 2,425 |
| Efficiency ratio | 71.1348% | 2,015 |
| Assets per employee ($millions) | 5.6401% | 1,787 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9188% | 4,190 |
| Loan loss allowance to noncurrent loans | 32,370.0000% | 30 |
| Noncurrent assets plus other real estate owned to assets | 0.1243% | 4,342 |
| Noncurrent loans to loans | 0.0028% | 4,935 |
| Net loans and leases to total assets | 76.4121% | 1,601 |
| Net loans and leases to deposits | 103.4072% | 577 |
| Net loans and leases to core deposits | 111.5384% | 939 |
| Total domestic deposits to total assets | 73.8944% | 4,985 |
| Equity capital to assets | 7.4388% | 5,318 |
| Core capital (leverage) ratio | 8.3750% | 5,156 |
| Tier 1 risk-based capital ratio | 10.8171% | 5,124 |
| Total risk-based capital ratio | 11.7645% | 5,151 |
| Memoranda: | ||
| Average total assets | $431,052,750 | 1,603 |
| Average earning assets | $396,006,500 | 1,611 |
| Average equity | $32,062,250 | 2,215 |
| Average total loans | $329,600,750 | 1,478 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6751% | 1,568 |
| Cost of funding earning assets | 1.0271% | 414 |
| Net interest margin | 3.6480% | 3,124 |
| Noninterest income to average assets | 0.7641% | 1,594 |
| Noninterest expense to average assets | 2.9153% | 2,311 |
| Loan and lease loss provision to assets | 0.2007% | 855 |
| Net operating income to assets | 0.7709% | 3,951 |
| Return on assets (ROA) | 0.7272% | 4,115 |
| Pretax return on assets | 0.9270% | 3,881 |
| Return on Equity (ROE) | 9.7767% | 2,673 |
| Retained earnings to average equity (ytd only) | 9.7767% | 991 |
| Net charge-offs to loans | 0.0286% | 2,283 |
| Credit loss provision to net charge-offs | 921.7391% | 438 |
| Earnings coverage of net charge-offs (x) | 54.3261% | 1,067 |
| Efficiency ratio | 71.1332% | 2,139 |
| Assets per employee ($millions) | 5.5649% | 1,831 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9505% | 4,116 |
| Loan loss allowance to noncurrent loans | 403.9191% | 1,313 |
| Noncurrent assets plus other real estate owned to assets | 0.1863% | 4,049 |
| Noncurrent loans to loans | 0.2353% | 3,869 |
| Net loans and leases to total assets | 75.7336% | 1,679 |
| Net loans and leases to deposits | 105.2997% | 466 |
| Net loans and leases to core deposits | 107.2435% | 1,167 |
| Total domestic deposits to total assets | 71.9220% | 5,193 |
| Equity capital to assets | 7.3065% | 5,420 |
| Core capital (leverage) ratio | 8.3149% | 5,204 |
| Tier 1 risk-based capital ratio | 10.4201% | 5,302 |
| Total risk-based capital ratio | 11.3599% | 5,330 |
| Memoranda: | ||
| Average total assets | $422,455,330 | 1,630 |
| Average earning assets | $386,126,670 | 1,652 |
| Average equity | $31,421,670 | 2,261 |
| Average total loans | $322,027,000 | 1,514 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6456% | 1,448 |
| Cost of funding earning assets | 0.9600% | 448 |
| Net interest margin | 3.6856% | 2,858 |
| Noninterest income to average assets | 0.9182% | 1,099 |
| Noninterest expense to average assets | 2.9352% | 2,242 |
| Loan and lease loss provision to assets | 0.2117% | 765 |
| Net operating income to assets | 0.8693% | 3,419 |
| Return on assets (ROA) | 0.7800% | 3,790 |
| Pretax return on assets | 1.0051% | 3,514 |
| Return on Equity (ROE) | 10.3888% | 2,237 |
| Retained earnings to average equity (ytd only) | 10.3888% | 1,045 |
| Net charge-offs to loans | 0.0013% | 2,694 |
| Credit loss provision to net charge-offs | 21,900.0000% | 10 |
| Earnings coverage of net charge-offs (x) | 1,376.0000% | 42 |
| Efficiency ratio | 68.8194% | 2,696 |
| Assets per employee ($millions) | 5.4137% | 2,016 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9349% | 4,284 |
| Loan loss allowance to noncurrent loans | 1,214.0000% | 518 |
| Noncurrent assets plus other real estate owned to assets | 0.0658% | 4,760 |
| Noncurrent loans to loans | 0.0770% | 4,640 |
| Net loans and leases to total assets | 76.1584% | 1,512 |
| Net loans and leases to deposits | 104.8723% | 437 |
| Net loans and leases to core deposits | 108.3947% | 1,095 |
| Total domestic deposits to total assets | 72.6201% | 5,244 |
| Equity capital to assets | 7.3950% | 5,449 |
| Core capital (leverage) ratio | 8.4035% | 5,202 |
| Tier 1 risk-based capital ratio | 10.2737% | 5,421 |
| Total risk-based capital ratio | 11.1873% | 5,461 |
| Memoranda: | ||
| Average total assets | $413,870,500 | 1,669 |
| Average earning assets | $375,837,000 | 1,720 |
| Average equity | $31,072,000 | 2,298 |
| Average total loans | $314,971,000 | 1,541 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5208% | 1,650 |
| Cost of funding earning assets | 0.7623% | 779 |
| Net interest margin | 3.7584% | 2,568 |
| Noninterest income to average assets | 0.4040% | 3,612 |
| Noninterest expense to average assets | 2.7187% | 3,068 |
| Loan and lease loss provision to assets | 0.0461% | 3,318 |
| Net operating income to assets | 0.5874% | 4,072 |
| Return on assets (ROA) | 0.5363% | 4,308 |
| Pretax return on assets | 0.9863% | 3,631 |
| Return on Equity (ROE) | 6.8873% | 3,335 |
| Retained earnings to average equity (ytd only) | 6.8873% | 1,120 |
| Net charge-offs to loans | 0.0011% | 4,088 |
| Credit loss provision to net charge-offs | 5,666.6667% | 71 |
| Earnings coverage of net charge-offs (x) | 1,367.6667% | 55 |
| Efficiency ratio | 70.9645% | 2,406 |
| Assets per employee ($millions) | 5.7924% | 1,659 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9227% | 4,360 |
| Loan loss allowance to noncurrent loans | 10,060.7143% | 91 |
| Noncurrent assets plus other real estate owned to assets | 0.0069% | 5,148 |
| Noncurrent loans to loans | 0.0092% | 5,007 |
| Net loans and leases to total assets | 74.6036% | 1,820 |
| Net loans and leases to deposits | 99.1182% | 804 |
| Net loans and leases to core deposits | 102.5195% | 1,522 |
| Total domestic deposits to total assets | 75.2673% | 5,061 |
| Equity capital to assets | 7.6250% | 5,512 |
| Core capital (leverage) ratio | 8.4810% | 5,153 |
| Tier 1 risk-based capital ratio | 10.2900% | 5,448 |
| Total risk-based capital ratio | 11.1606% | 5,511 |
| Memoranda: | ||
| Average total assets | $368,852,600 | 1,837 |
| Average earning assets | $336,336,000 | 1,860 |
| Average equity | $28,719,600 | 2,449 |
| Average total loans | $271,055,600 | 1,706 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4724% | 1,719 |
| Cost of funding earning assets | 0.7209% | 878 |
| Net interest margin | 3.7515% | 2,575 |
| Noninterest income to average assets | 0.3381% | 4,117 |
| Noninterest expense to average assets | 2.7589% | 2,865 |
| Loan and lease loss provision to assets | 0.0630% | 2,809 |
| Net operating income to assets | 0.6400% | 4,228 |
| Return on assets (ROA) | 0.6476% | 4,257 |
| Pretax return on assets | 0.9493% | 3,873 |
| Return on Equity (ROE) | 8.2686% | 2,988 |
| Retained earnings to average equity (ytd only) | 8.2686% | 1,103 |
| Net charge-offs to loans | -0.0030% | 4,367 |
| Credit loss provision to net charge-offs | -2,833.3333% | 5,129 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3734% | 1,993 |
| Assets per employee ($millions) | 5.3819% | 2,032 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0231% | 3,936 |
| Loan loss allowance to noncurrent loans | 7,436.8421% | 114 |
| Noncurrent assets plus other real estate owned to assets | 0.0111% | 5,202 |
| Noncurrent loans to loans | 0.0138% | 5,085 |
| Net loans and leases to total assets | 72.5692% | 2,172 |
| Net loans and leases to deposits | 97.5679% | 960 |
| Net loans and leases to core deposits | 100.9810% | 1,624 |
| Total domestic deposits to total assets | 74.3782% | 5,200 |
| Equity capital to assets | 8.0936% | 5,486 |
| Core capital (leverage) ratio | 8.9026% | 4,859 |
| Tier 1 risk-based capital ratio | 11.0547% | 5,211 |
| Total risk-based capital ratio | 12.0127% | 5,270 |
| Memoranda: | ||
| Average total assets | $359,698,000 | 1,883 |
| Average earning assets | $328,110,750 | 1,914 |
| Average equity | $28,170,250 | 2,497 |
| Average total loans | $262,491,250 | 1,756 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4050% | 1,801 |
| Cost of funding earning assets | 0.7109% | 842 |
| Net interest margin | 3.6941% | 2,677 |
| Noninterest income to average assets | 0.3260% | 4,216 |
| Noninterest expense to average assets | 2.8027% | 2,754 |
| Loan and lease loss provision to assets | 0.0452% | 3,088 |
| Net operating income to assets | 0.5820% | 4,382 |
| Return on assets (ROA) | 0.5774% | 4,459 |
| Pretax return on assets | 0.8355% | 4,140 |
| Return on Equity (ROE) | 7.4608% | 3,305 |
| Retained earnings to average equity (ytd only) | 7.4608% | 1,367 |
| Net charge-offs to loans | -0.0318% | 4,984 |
| Credit loss provision to net charge-offs | -195.1220% | 4,458 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9492% | 1,724 |
| Assets per employee ($millions) | 5.6544% | 1,746 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0334% | 3,942 |
| Loan loss allowance to noncurrent loans | 955.5172% | 596 |
| Noncurrent assets plus other real estate owned to assets | 0.4888% | 3,134 |
| Noncurrent loans to loans | 0.1082% | 4,689 |
| Net loans and leases to total assets | 73.3284% | 1,984 |
| Net loans and leases to deposits | 96.1798% | 1,060 |
| Net loans and leases to core deposits | 99.5887% | 1,678 |
| Total domestic deposits to total assets | 76.2409% | 5,063 |
| Equity capital to assets | 8.1471% | 5,469 |
| Core capital (leverage) ratio | 9.0336% | 4,687 |
| Tier 1 risk-based capital ratio | 11.1636% | 5,170 |
| Total risk-based capital ratio | 12.1351% | 5,227 |
| Memoranda: | ||
| Average total assets | $354,020,670 | 1,908 |
| Average earning assets | $322,409,000 | 1,944 |
| Average equity | $27,396,670 | 2,545 |
| Average total loans | $257,916,330 | 1,776 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3602% | 1,783 |
| Cost of funding earning assets | 0.7133% | 784 |
| Net interest margin | 3.6469% | 2,707 |
| Noninterest income to average assets | 0.3428% | 4,101 |
| Noninterest expense to average assets | 2.8016% | 2,784 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.5956% | 4,184 |
| Return on assets (ROA) | 0.5861% | 4,257 |
| Pretax return on assets | 0.8455% | 3,950 |
| Return on Equity (ROE) | 7.7864% | 3,031 |
| Retained earnings to average equity (ytd only) | 7.7864% | 1,548 |
| Net charge-offs to loans | -0.0633% | 5,286 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4981% | 1,834 |
| Assets per employee ($millions) | 5.3902% | 1,992 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0557% | 3,957 |
| Loan loss allowance to noncurrent loans | 1,358.5859% | 467 |
| Noncurrent assets plus other real estate owned to assets | 0.4958% | 3,244 |
| Noncurrent loans to loans | 0.0777% | 4,890 |
| Net loans and leases to total assets | 71.9590% | 2,079 |
| Net loans and leases to deposits | 92.5088% | 1,271 |
| Net loans and leases to core deposits | 95.4450% | 1,857 |
| Total domestic deposits to total assets | 77.7861% | 4,993 |
| Equity capital to assets | 7.6452% | 5,646 |
| Core capital (leverage) ratio | 8.3320% | 5,358 |
| Tier 1 risk-based capital ratio | 10.8566% | 5,383 |
| Total risk-based capital ratio | 11.8537% | 5,416 |
| Memoranda: | ||
| Average total assets | $350,089,500 | 1,935 |
| Average earning assets | $318,515,500 | 1,973 |
| Average equity | $26,353,500 | 2,613 |
| Average total loans | $252,807,500 | 1,821 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4089% | 1,793 |
| Cost of funding earning assets | 0.6845% | 889 |
| Net interest margin | 3.7244% | 2,596 |
| Noninterest income to average assets | 0.8523% | 1,568 |
| Noninterest expense to average assets | 3.1004% | 2,035 |
| Loan and lease loss provision to assets | 0.0798% | 2,768 |
| Net operating income to assets | 0.7500% | 3,534 |
| Return on assets (ROA) | 0.7888% | 3,462 |
| Pretax return on assets | 1.1054% | 3,084 |
| Return on Equity (ROE) | 10.6271% | 1,722 |
| Retained earnings to average equity (ytd only) | 10.6271% | 344 |
| Net charge-offs to loans | 0.0761% | 2,614 |
| Credit loss provision to net charge-offs | 152.0468% | 1,799 |
| Earnings coverage of net charge-offs (x) | 21.5497% | 1,778 |
| Efficiency ratio | 72.8519% | 2,446 |
| Assets per employee ($millions) | 5.4659% | 1,892 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0566% | 3,968 |
| Loan loss allowance to noncurrent loans | 2,172.1311% | 317 |
| Noncurrent assets plus other real estate owned to assets | 0.4748% | 3,359 |
| Noncurrent loans to loans | 0.0486% | 5,051 |
| Net loans and leases to total assets | 70.9394% | 2,342 |
| Net loans and leases to deposits | 92.0590% | 1,450 |
| Net loans and leases to core deposits | 94.9684% | 2,010 |
| Total domestic deposits to total assets | 77.0586% | 5,112 |
| Equity capital to assets | 7.4099% | 5,732 |
| Core capital (leverage) ratio | 8.2477% | 5,477 |
| Tier 1 risk-based capital ratio | 10.6777% | 5,496 |
| Total risk-based capital ratio | 11.6623% | 5,552 |
| Memoranda: | ||
| Average total assets | $325,952,800 | 2,030 |
| Average earning assets | $295,699,200 | 2,071 |
| Average equity | $24,192,800 | 2,784 |
| Average total loans | $224,725,600 | 1,947 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3907% | 1,886 |
| Cost of funding earning assets | 0.6796% | 906 |
| Net interest margin | 3.7110% | 2,676 |
| Noninterest income to average assets | 0.9675% | 1,221 |
| Noninterest expense to average assets | 3.1634% | 1,867 |
| Loan and lease loss provision to assets | 0.0817% | 2,570 |
| Net operating income to assets | 0.7047% | 3,819 |
| Return on assets (ROA) | 0.7358% | 3,799 |
| Pretax return on assets | 1.1354% | 3,094 |
| Return on Equity (ROE) | 9.9097% | 2,090 |
| Retained earnings to average equity (ytd only) | 9.9097% | 592 |
| Net charge-offs to loans | 0.1179% | 1,769 |
| Credit loss provision to net charge-offs | 101.5544% | 2,317 |
| Earnings coverage of net charge-offs (x) | 14.5387% | 2,239 |
| Efficiency ratio | 72.4466% | 2,506 |
| Assets per employee ($millions) | 4.6340% | 2,862 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0681% | 4,036 |
| Loan loss allowance to noncurrent loans | 2,101.6393% | 322 |
| Noncurrent assets plus other real estate owned to assets | 0.5281% | 3,345 |
| Noncurrent loans to loans | 0.0508% | 5,155 |
| Net loans and leases to total assets | 69.2573% | 2,602 |
| Net loans and leases to deposits | 95.1552% | 1,131 |
| Net loans and leases to core deposits | 98.5955% | 1,759 |
| Total domestic deposits to total assets | 72.7836% | 5,542 |
| Equity capital to assets | 7.2884% | 5,864 |
| Core capital (leverage) ratio | 8.1203% | 5,630 |
| Tier 1 risk-based capital ratio | 10.4387% | 5,642 |
| Total risk-based capital ratio | 11.4087% | 5,691 |
| Memoranda: | ||
| Average total assets | $319,986,750 | 2,062 |
| Average earning assets | $290,153,750 | 2,103 |
| Average equity | $23,760,750 | 2,838 |
| Average total loans | $218,205,000 | 1,993 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3329% | 2,046 |
| Cost of funding earning assets | 0.6432% | 1,082 |
| Net interest margin | 3.6897% | 2,734 |
| Noninterest income to average assets | 0.9848% | 1,154 |
| Noninterest expense to average assets | 3.3079% | 1,577 |
| Loan and lease loss provision to assets | 0.0256% | 3,625 |
| Net operating income to assets | 0.6459% | 4,060 |
| Return on assets (ROA) | 0.6896% | 3,998 |
| Pretax return on assets | 1.0610% | 3,360 |
| Return on Equity (ROE) | 9.2248% | 2,392 |
| Retained earnings to average equity (ytd only) | 9.2248% | 787 |
| Net charge-offs to loans | -0.0104% | 4,709 |
| Credit loss provision to net charge-offs | -363.6364% | 4,856 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5697% | 2,142 |
| Assets per employee ($millions) | 5.2097% | 2,080 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1271% | 3,801 |
| Loan loss allowance to noncurrent loans | 148.3248% | 2,890 |
| Noncurrent assets plus other real estate owned to assets | 0.6778% | 2,961 |
| Noncurrent loans to loans | 0.7599% | 2,843 |
| Net loans and leases to total assets | 68.7245% | 2,676 |
| Net loans and leases to deposits | 98.7315% | 816 |
| Net loans and leases to core deposits | 100.7669% | 1,576 |
| Total domestic deposits to total assets | 69.6075% | 5,797 |
| Equity capital to assets | 7.1483% | 5,955 |
| Core capital (leverage) ratio | 8.4354% | 5,415 |
| Tier 1 risk-based capital ratio | 10.2928% | 5,765 |
| Total risk-based capital ratio | 11.2925% | 5,785 |
| Memoranda: | ||
| Average total assets | $312,344,330 | 2,115 |
| Average earning assets | $282,952,330 | 2,154 |
| Average equity | $23,350,000 | 2,886 |
| Average total loans | $210,921,000 | 2,047 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3621% | 1,920 |
| Cost of funding earning assets | 0.6034% | 1,309 |
| Net interest margin | 3.7587% | 2,443 |
| Noninterest income to average assets | 1.3307% | 620 |
| Noninterest expense to average assets | 3.7958% | 781 |
| Loan and lease loss provision to assets | 0.0331% | 3,216 |
| Net operating income to assets | 0.5945% | 4,203 |
| Return on assets (ROA) | 0.5394% | 4,574 |
| Pretax return on assets | 0.8045% | 4,180 |
| Return on Equity (ROE) | 7.0452% | 3,430 |
| Retained earnings to average equity (ytd only) | 7.0452% | 1,865 |
| Net charge-offs to loans | -0.0120% | 4,605 |
| Credit loss provision to net charge-offs | -416.6667% | 4,505 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8364% | 1,778 |
| Assets per employee ($millions) | 4.9326% | 2,413 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2616% | 3,104 |
| Loan loss allowance to noncurrent loans | 122.7962% | 3,178 |
| Noncurrent assets plus other real estate owned to assets | 0.9310% | 2,379 |
| Noncurrent loans to loans | 1.0274% | 2,328 |
| Net loans and leases to total assets | 65.2544% | 3,074 |
| Net loans and leases to deposits | 92.8263% | 1,246 |
| Net loans and leases to core deposits | 97.7281% | 1,658 |
| Total domestic deposits to total assets | 70.2973% | 5,853 |
| Equity capital to assets | 7.3721% | 5,968 |
| Core capital (leverage) ratio | 8.9492% | 4,918 |
| Tier 1 risk-based capital ratio | 10.4710% | 5,764 |
| Total risk-based capital ratio | 11.5061% | 5,774 |
| Memoranda: | ||
| Average total assets | $301,806,000 | 2,173 |
| Average earning assets | $271,796,000 | 2,231 |
| Average equity | $23,108,000 | 2,912 |
| Average total loans | $200,504,500 | 2,129 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6335% | 1,251 |
| Cost of funding earning assets | 0.6001% | 1,356 |
| Net interest margin | 4.0334% | 1,611 |
| Noninterest income to average assets | 1.3660% | 645 |
| Noninterest expense to average assets | 3.7966% | 866 |
| Loan and lease loss provision to assets | 0.0996% | 2,318 |
| Net operating income to assets | 0.6945% | 3,834 |
| Return on assets (ROA) | 0.7538% | 3,650 |
| Pretax return on assets | 1.1642% | 2,796 |
| Return on Equity (ROE) | 8.8577% | 2,522 |
| Retained earnings to average equity (ytd only) | 6.0491% | 1,771 |
| Net charge-offs to loans | 0.1045% | 2,358 |
| Credit loss provision to net charge-offs | 142.6316% | 1,847 |
| Earnings coverage of net charge-offs (x) | 16.7842% | 2,111 |
| Efficiency ratio | 75.2923% | 2,385 |
| Assets per employee ($millions) | 3.9048% | 4,110 |
| Cash dividends to net income (ytd only)* | 31.7073% | 3,260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3091% | 2,845 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3073% | 4,372 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 65.9283% | 2,988 |
| Net loans and leases to deposits | 91.0595% | 1,498 |
| Net loans and leases to core deposits | 95.8565% | 1,865 |
| Total domestic deposits to total assets | 72.4014% | 5,772 |
| Equity capital to assets | 7.9584% | 5,866 |
| Core capital (leverage) ratio | 9.0325% | 4,847 |
| Tier 1 risk-based capital ratio | 10.2878% | 5,868 |
| Total risk-based capital ratio | 11.3354% | 5,861 |
| Memoranda: | ||
| Average total assets | $271,954,800 | 2,325 |
| Average earning assets | $242,946,600 | 2,395 |
| Average equity | $23,143,800 | 2,866 |
| Average total loans | $181,874,400 | 2,219 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6608% | 1,181 |
| Cost of funding earning assets | 0.5956% | 1,436 |
| Net interest margin | 4.0653% | 1,511 |
| Noninterest income to average assets | 1.4206% | 617 |
| Noninterest expense to average assets | 3.7090% | 961 |
| Loan and lease loss provision to assets | 0.0930% | 2,308 |
| Net operating income to assets | 0.7686% | 3,592 |
| Return on assets (ROA) | 0.8163% | 3,437 |
| Pretax return on assets | 1.3202% | 2,321 |
| Return on Equity (ROE) | 9.4242% | 2,337 |
| Retained earnings to average equity (ytd only) | 8.2700% | 1,134 |
| Net charge-offs to loans | 0.1457% | 1,669 |
| Credit loss provision to net charge-offs | 95.3846% | 2,382 |
| Earnings coverage of net charge-offs (x) | 13.7335% | 2,300 |
| Efficiency ratio | 72.3609% | 2,817 |
| Assets per employee ($millions) | 3.7128% | 4,420 |
| Cash dividends to net income (ytd only)* | 12.2474% | 3,513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3462% | 2,877 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.0084% | 2,347 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 66.8095% | 2,878 |
| Net loans and leases to deposits | 90.1477% | 1,629 |
| Net loans and leases to core deposits | 95.2045% | 1,963 |
| Total domestic deposits to total assets | 74.1111% | 5,700 |
| Equity capital to assets | 8.6258% | 5,626 |
| Core capital (leverage) ratio | 9.4415% | 4,379 |
| Tier 1 risk-based capital ratio | 10.6302% | 5,830 |
| Total risk-based capital ratio | 11.6761% | 5,846 |
| Memoranda: | ||
| Average total assets | $266,728,750 | 2,387 |
| Average earning assets | $237,978,000 | 2,460 |
| Average equity | $23,103,000 | 2,892 |
| Average total loans | $178,433,500 | 2,263 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5725% | 1,344 |
| Cost of funding earning assets | 0.6032% | 1,390 |
| Net interest margin | 3.9693% | 1,736 |
| Noninterest income to average assets | 1.3819% | 656 |
| Noninterest expense to average assets | 3.5674% | 1,181 |
| Loan and lease loss provision to assets | 0.1025% | 2,123 |
| Net operating income to assets | 0.7862% | 3,456 |
| Return on assets (ROA) | 0.8330% | 3,319 |
| Pretax return on assets | 1.3321% | 2,237 |
| Return on Equity (ROE) | 9.6041% | 2,253 |
| Retained earnings to average equity (ytd only) | 9.6041% | 752 |
| Net charge-offs to loans | -0.1098% | 5,820 |
| Credit loss provision to net charge-offs | -140.2062% | 4,953 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2297% | 3,123 |
| Assets per employee ($millions) | 4.0163% | 3,849 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4734% | 2,402 |
| Loan loss allowance to noncurrent loans | 93.7133% | 3,859 |
| Noncurrent assets plus other real estate owned to assets | 1.4876% | 1,660 |
| Noncurrent loans to loans | 1.5722% | 1,679 |
| Net loans and leases to total assets | 67.4203% | 2,728 |
| Net loans and leases to deposits | 90.0134% | 1,598 |
| Net loans and leases to core deposits | 95.7807% | 1,820 |
| Total domestic deposits to total assets | 74.9003% | 5,715 |
| Equity capital to assets | 8.7509% | 5,486 |
| Core capital (leverage) ratio | 9.3903% | 4,435 |
| Tier 1 risk-based capital ratio | 10.5956% | 5,885 |
| Total risk-based capital ratio | 11.7569% | 5,863 |
| Memoranda: | ||
| Average total assets | $265,293,330 | 2,410 |
| Average earning assets | $237,072,000 | 2,487 |
| Average equity | $23,011,000 | 2,910 |
| Average total loans | $176,728,670 | 2,290 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5701% | 1,290 |
| Cost of funding earning assets | 0.6011% | 1,430 |
| Net interest margin | 3.9690% | 1,657 |
| Noninterest income to average assets | 1.2696% | 713 |
| Noninterest expense to average assets | 3.5566% | 1,195 |
| Loan and lease loss provision to assets | 0.0304% | 3,283 |
| Net operating income to assets | 0.7603% | 3,482 |
| Return on assets (ROA) | 0.7730% | 3,537 |
| Pretax return on assets | 1.2422% | 2,504 |
| Return on Equity (ROE) | 8.9524% | 2,464 |
| Retained earnings to average equity (ytd only) | 8.9524% | 1,209 |
| Net charge-offs to loans | -0.0116% | 4,779 |
| Credit loss provision to net charge-offs | -400.0000% | 4,769 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7502% | 3,037 |
| Assets per employee ($millions) | 4.1756% | 3,605 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4406% | 2,735 |
| Loan loss allowance to noncurrent loans | 86.1417% | 4,014 |
| Noncurrent assets plus other real estate owned to assets | 1.6779% | 1,505 |
| Noncurrent loans to loans | 1.6723% | 1,655 |
| Net loans and leases to total assets | 65.1509% | 2,907 |
| Net loans and leases to deposits | 86.0527% | 1,824 |
| Net loans and leases to core deposits | 92.3003% | 1,919 |
| Total domestic deposits to total assets | 75.7105% | 5,767 |
| Equity capital to assets | 8.6904% | 5,582 |
| Core capital (leverage) ratio | 9.1989% | 4,714 |
| Tier 1 risk-based capital ratio | 10.6541% | 5,958 |
| Total risk-based capital ratio | 11.7608% | 5,952 |
| Memoranda: | ||
| Average total assets | $263,394,500 | 2,440 |
| Average earning assets | $234,919,500 | 2,512 |
| Average equity | $22,742,500 | 2,953 |
| Average total loans | $173,025,500 | 2,339 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5928% | 1,578 |
| Cost of funding earning assets | 0.5895% | 1,859 |
| Net interest margin | 4.0033% | 1,889 |
| Noninterest income to average assets | 1.3216% | 706 |
| Noninterest expense to average assets | 3.6254% | 1,258 |
| Loan and lease loss provision to assets | 0.1737% | 1,490 |
| Net operating income to assets | 0.6843% | 3,972 |
| Return on assets (ROA) | 0.7001% | 4,009 |
| Pretax return on assets | 1.0944% | 3,109 |
| Return on Equity (ROE) | 7.6838% | 3,285 |
| Retained earnings to average equity (ytd only) | 5.7728% | 2,082 |
| Net charge-offs to loans | 0.0675% | 3,511 |
| Credit loss provision to net charge-offs | 429.0000% | 604 |
| Earnings coverage of net charge-offs (x) | 30.7100% | 1,313 |
| Efficiency ratio | 73.2141% | 2,981 |
| Assets per employee ($millions) | 4.0574% | 3,817 |
| Cash dividends to net income (ytd only)* | 24.8699% | 3,624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4405% | 2,741 |
| Loan loss allowance to noncurrent loans | 157.9618% | 2,701 |
| Noncurrent assets plus other real estate owned to assets | 1.0276% | 2,689 |
| Noncurrent loans to loans | 0.9119% | 3,035 |
| Net loans and leases to total assets | 64.3388% | 3,168 |
| Net loans and leases to deposits | 82.2101% | 2,446 |
| Net loans and leases to core deposits | 87.9942% | 2,501 |
| Total domestic deposits to total assets | 78.2614% | 5,386 |
| Equity capital to assets | 8.5785% | 5,659 |
| Core capital (leverage) ratio | 8.8993% | 5,123 |
| Tier 1 risk-based capital ratio | 9.9141% | 6,278 |
| Total risk-based capital ratio | 10.9891% | 6,279 |
| Memoranda: | ||
| Average total assets | $246,979,200 | 2,552 |
| Average earning assets | $218,843,400 | 2,634 |
| Average equity | $22,502,000 | 2,901 |
| Average total loans | $148,145,000 | 2,601 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5976% | 1,568 |
| Cost of funding earning assets | 0.5778% | 2,036 |
| Net interest margin | 4.0198% | 1,821 |
| Noninterest income to average assets | 1.3114% | 708 |
| Noninterest expense to average assets | 3.6035% | 1,290 |
| Loan and lease loss provision to assets | 0.1301% | 1,927 |
| Net operating income to assets | 0.7203% | 3,835 |
| Return on assets (ROA) | 0.7326% | 3,874 |
| Pretax return on assets | 1.1499% | 2,987 |
| Return on Equity (ROE) | 7.9150% | 3,256 |
| Retained earnings to average equity (ytd only) | 7.7370% | 1,471 |
| Net charge-offs to loans | 0.0216% | 4,086 |
| Credit loss provision to net charge-offs | 1,030.4348% | 319 |
| Earnings coverage of net charge-offs (x) | 99.8128% | 589 |
| Efficiency ratio | 72.8042% | 3,040 |
| Assets per employee ($millions) | 3.7466% | 4,403 |
| Cash dividends to net income (ytd only)* | 2.2489% | 3,776 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5285% | 2,583 |
| Loan loss allowance to noncurrent loans | 368.9548% | 1,287 |
| Noncurrent assets plus other real estate owned to assets | 0.8055% | 3,406 |
| Noncurrent loans to loans | 0.4143% | 4,667 |
| Net loans and leases to total assets | 60.6955% | 3,675 |
| Net loans and leases to deposits | 80.9626% | 2,556 |
| Net loans and leases to core deposits | 87.1013% | 2,530 |
| Total domestic deposits to total assets | 74.9674% | 5,930 |
| Equity capital to assets | 9.4680% | 4,832 |
| Core capital (leverage) ratio | 9.4371% | 4,454 |
| Tier 1 risk-based capital ratio | 10.8389% | 6,073 |
| Total risk-based capital ratio | 11.9265% | 6,094 |
| Memoranda: | ||
| Average total assets | $242,791,750 | 2,606 |
| Average earning assets | $214,598,250 | 2,682 |
| Average equity | $22,471,500 | 2,908 |
| Average total loans | $142,141,250 | 2,695 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5907% | 1,558 |
| Cost of funding earning assets | 0.5659% | 2,201 |
| Net interest margin | 4.0248% | 1,747 |
| Noninterest income to average assets | 1.3347% | 675 |
| Noninterest expense to average assets | 3.6010% | 1,295 |
| Loan and lease loss provision to assets | 0.1433% | 1,727 |
| Net operating income to assets | 0.7338% | 3,655 |
| Return on assets (ROA) | 0.7274% | 3,787 |
| Pretax return on assets | 1.1356% | 2,948 |
| Return on Equity (ROE) | 7.9221% | 3,137 |
| Retained earnings to average equity (ytd only) | 7.9221% | 1,351 |
| Net charge-offs to loans | -0.0159% | 5,460 |
| Credit loss provision to net charge-offs | -1,563.6364% | 5,789 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3633% | 3,275 |
| Assets per employee ($millions) | 3.8330% | 4,193 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5950% | 2,481 |
| Loan loss allowance to noncurrent loans | 364.1186% | 1,264 |
| Noncurrent assets plus other real estate owned to assets | 0.8401% | 3,457 |
| Noncurrent loans to loans | 0.4381% | 4,673 |
| Net loans and leases to total assets | 57.7965% | 4,017 |
| Net loans and leases to deposits | 77.5393% | 2,860 |
| Net loans and leases to core deposits | 81.8378% | 2,992 |
| Total domestic deposits to total assets | 74.5383% | 6,060 |
| Equity capital to assets | 9.1995% | 5,102 |
| Core capital (leverage) ratio | 9.5377% | 4,269 |
| Tier 1 risk-based capital ratio | 10.5829% | 6,219 |
| Total risk-based capital ratio | 11.6536% | 6,234 |
| Memoranda: | ||
| Average total assets | $240,047,330 | 2,638 |
| Average earning assets | $212,036,000 | 2,719 |
| Average equity | $22,039,670 | 2,945 |
| Average total loans | $137,946,330 | 2,759 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6097% | 1,480 |
| Cost of funding earning assets | 0.5668% | 2,274 |
| Net interest margin | 4.0429% | 1,620 |
| Noninterest income to average assets | 1.4200% | 580 |
| Noninterest expense to average assets | 3.6824% | 1,159 |
| Loan and lease loss provision to assets | 0.1766% | 1,364 |
| Net operating income to assets | 0.7237% | 3,568 |
| Return on assets (ROA) | 0.7270% | 3,639 |
| Pretax return on assets | 1.1278% | 2,779 |
| Return on Equity (ROE) | 7.9261% | 2,965 |
| Retained earnings to average equity (ytd only) | 7.9261% | 1,622 |
| Net charge-offs to loans | -0.0150% | 5,205 |
| Credit loss provision to net charge-offs | -2,080.0000% | 5,475 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6219% | 3,372 |
| Assets per employee ($millions) | 3.8859% | 4,160 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6477% | 2,522 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6433% | 4,209 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 56.9119% | 4,013 |
| Net loans and leases to deposits | 73.1633% | 3,176 |
| Net loans and leases to core deposits | 82.4099% | 2,698 |
| Total domestic deposits to total assets | 77.7875% | 5,858 |
| Equity capital to assets | 9.3435% | 4,710 |
| Core capital (leverage) ratio | 9.7313% | 3,953 |
| Tier 1 risk-based capital ratio | 10.8666% | 6,211 |
| Total risk-based capital ratio | 11.9531% | 6,235 |
| Memoranda: | ||
| Average total assets | $235,499,500 | 2,686 |
| Average earning assets | $207,477,000 | 2,772 |
| Average equity | $21,599,500 | 2,985 |
| Average total loans | $133,754,500 | 2,825 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6759% | 1,633 |
| Cost of funding earning assets | 0.6128% | 2,543 |
| Net interest margin | 4.0631% | 1,753 |
| Noninterest income to average assets | 1.0908% | 1,183 |
| Noninterest expense to average assets | 3.5991% | 1,452 |
| Loan and lease loss provision to assets | 0.1257% | 2,740 |
| Net operating income to assets | 0.5676% | 4,423 |
| Return on assets (ROA) | 0.6739% | 4,020 |
| Pretax return on assets | 1.0569% | 3,125 |
| Return on Equity (ROE) | 6.7427% | 3,703 |
| Retained earnings to average equity (ytd only) | 5.5677% | 2,238 |
| Net charge-offs to loans | 0.0168% | 5,111 |
| Credit loss provision to net charge-offs | 1,370.0000% | 183 |
| Earnings coverage of net charge-offs (x) | 110.8000% | 428 |
| Efficiency ratio | 76.5156% | 2,700 |
| Assets per employee ($millions) | 3.9654% | 3,931 |
| Cash dividends to net income (ytd only)* | 17.4268% | 3,817 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6502% | 2,564 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3924% | 5,078 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 54.7934% | 4,490 |
| Net loans and leases to deposits | 69.8763% | 3,799 |
| Net loans and leases to core deposits | 75.0690% | 3,723 |
| Total domestic deposits to total assets | 78.4148% | 5,759 |
| Equity capital to assets | 8.9978% | 5,037 |
| Core capital (leverage) ratio | 9.7378% | 3,929 |
| Tier 1 risk-based capital ratio | 11.0790% | 6,130 |
| Total risk-based capital ratio | 12.1559% | 6,165 |
| Memoranda: | ||
| Average total assets | $217,996,800 | 2,829 |
| Average earning assets | $189,118,800 | 2,958 |
| Average equity | $21,786,400 | 2,945 |
| Average total loans | $118,696,600 | 3,065 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7062% | 1,583 |
| Cost of funding earning assets | 0.6316% | 2,530 |
| Net interest margin | 4.0746% | 1,705 |
| Noninterest income to average assets | 1.0834% | 1,249 |
| Noninterest expense to average assets | 3.5780% | 1,439 |
| Loan and lease loss provision to assets | 0.1564% | 2,304 |
| Net operating income to assets | 0.5460% | 4,600 |
| Return on assets (ROA) | 0.6903% | 4,043 |
| Pretax return on assets | 1.0996% | 3,111 |
| Return on Equity (ROE) | 6.7241% | 3,810 |
| Retained earnings to average equity (ytd only) | 6.7241% | 2,018 |
| Net charge-offs to loans | 0.0553% | 4,119 |
| Credit loss provision to net charge-offs | 522.9167% | 536 |
| Earnings coverage of net charge-offs (x) | 34.4575% | 1,113 |
| Efficiency ratio | 76.1660% | 2,713 |
| Assets per employee ($millions) | 4.2604% | 3,307 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7188% | 2,563 |
| Loan loss allowance to noncurrent loans | 140.9396% | 2,673 |
| Noncurrent assets plus other real estate owned to assets | 1.0806% | 3,501 |
| Noncurrent loans to loans | 1.2196% | 3,368 |
| Net loans and leases to total assets | 53.1780% | 4,724 |
| Net loans and leases to deposits | 71.3354% | 3,593 |
| Net loans and leases to core deposits | 73.3781% | 3,921 |
| Total domestic deposits to total assets | 74.5465% | 6,328 |
| Equity capital to assets | 9.1887% | 4,952 |
| Core capital (leverage) ratio | 10.0325% | 3,635 |
| Tier 1 risk-based capital ratio | 11.1853% | 6,197 |
| Total risk-based capital ratio | 12.2540% | 6,245 |
| Memoranda: | ||
| Average total assets | $214,006,750 | 2,901 |
| Average earning assets | $185,142,500 | 3,043 |
| Average equity | $21,970,250 | 2,969 |
| Average total loans | $115,784,750 | 3,149 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6130% | 1,807 |
| Cost of funding earning assets | 0.6391% | 2,599 |
| Net interest margin | 3.9740% | 1,952 |
| Noninterest income to average assets | 1.1006% | 1,251 |
| Noninterest expense to average assets | 3.6530% | 1,326 |
| Loan and lease loss provision to assets | 0.1666% | 2,243 |
| Net operating income to assets | 0.4440% | 5,043 |
| Return on assets (ROA) | 0.6645% | 4,147 |
| Pretax return on assets | 1.0710% | 3,214 |
| Return on Equity (ROE) | 6.2384% | 4,029 |
| Retained earnings to average equity (ytd only) | 6.2384% | 2,301 |
| Net charge-offs to loans | 0.0880% | 3,486 |
| Credit loss provision to net charge-offs | 350.0000% | 744 |
| Earnings coverage of net charge-offs (x) | 18.7600% | 1,540 |
| Efficiency ratio | 78.8482% | 2,329 |
| Assets per employee ($millions) | 3.7990% | 4,210 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6723% | 2,891 |
| Loan loss allowance to noncurrent loans | 133.8187% | 2,768 |
| Noncurrent assets plus other real estate owned to assets | 1.3512% | 3,073 |
| Noncurrent loans to loans | 1.2497% | 3,455 |
| Net loans and leases to total assets | 54.9032% | 4,465 |
| Net loans and leases to deposits | 73.9631% | 3,166 |
| Net loans and leases to core deposits | 80.6683% | 2,953 |
| Total domestic deposits to total assets | 74.2305% | 6,425 |
| Equity capital to assets | 10.0507% | 3,851 |
| Core capital (leverage) ratio | 10.2099% | 3,217 |
| Tier 1 risk-based capital ratio | 11.0952% | 6,293 |
| Total risk-based capital ratio | 12.1421% | 6,351 |
| Memoranda: | ||
| Average total assets | $210,075,670 | 2,953 |
| Average earning assets | $182,135,670 | 3,089 |
| Average equity | $22,377,670 | 2,944 |
| Average total loans | $113,654,330 | 3,201 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5820% | 1,887 |
| Cost of funding earning assets | 0.6881% | 2,320 |
| Net interest margin | 3.8940% | 2,140 |
| Noninterest income to average assets | 0.9263% | 1,670 |
| Noninterest expense to average assets | 3.6008% | 1,419 |
| Loan and lease loss provision to assets | 0.1644% | 2,223 |
| Net operating income to assets | 0.3394% | 5,402 |
| Return on assets (ROA) | 0.6710% | 3,996 |
| Pretax return on assets | 1.0501% | 3,146 |
| Return on Equity (ROE) | 6.1187% | 3,976 |
| Retained earnings to average equity (ytd only) | 6.1187% | 2,615 |
| Net charge-offs to loans | -0.0109% | 5,473 |
| Credit loss provision to net charge-offs | -2,833.3333% | 5,812 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.1332% | 2,021 |
| Assets per employee ($millions) | 4.0975% | 3,748 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7899% | 2,651 |
| Loan loss allowance to noncurrent loans | 135.5874% | 2,597 |
| Noncurrent assets plus other real estate owned to assets | 1.4117% | 3,156 |
| Noncurrent loans to loans | 1.3201% | 3,582 |
| Net loans and leases to total assets | 52.1201% | 4,689 |
| Net loans and leases to deposits | 67.0073% | 3,914 |
| Net loans and leases to core deposits | 73.3947% | 3,652 |
| Total domestic deposits to total assets | 77.7828% | 6,143 |
| Equity capital to assets | 10.8679% | 3,113 |
| Core capital (leverage) ratio | 10.2123% | 3,126 |
| Tier 1 risk-based capital ratio | 11.6972% | 6,086 |
| Total risk-based capital ratio | 12.7973% | 6,128 |
| Memoranda: | ||
| Average total assets | $206,842,000 | 3,017 |
| Average earning assets | $179,046,500 | 3,159 |
| Average equity | $22,684,500 | 2,961 |
| Average total loans | $110,026,000 | 3,287 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0405% | 1,459 |
| Cost of funding earning assets | 0.8902% | 1,987 |
| Net interest margin | 4.1503% | 1,817 |
| Noninterest income to average assets | 1.0503% | 1,406 |
| Noninterest expense to average assets | 3.7219% | 1,375 |
| Loan and lease loss provision to assets | 0.2873% | 2,366 |
| Net operating income to assets | 0.3675% | 5,227 |
| Return on assets (ROA) | 0.5376% | 4,786 |
| Pretax return on assets | 0.8164% | 4,237 |
| Return on Equity (ROE) | 4.9682% | 4,688 |
| Retained earnings to average equity (ytd only) | 4.9682% | 2,725 |
| Net charge-offs to loans | 0.4392% | 2,474 |
| Credit loss provision to net charge-offs | 117.5869% | 2,446 |
| Earnings coverage of net charge-offs (x) | 3.4622% | 3,716 |
| Efficiency ratio | 79.6653% | 2,185 |
| Assets per employee ($millions) | 4.0942% | 3,749 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7380% | 2,795 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7777% | 4,515 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 52.3924% | 4,869 |
| Net loans and leases to deposits | 67.2778% | 4,087 |
| Net loans and leases to core deposits | 73.6764% | 3,821 |
| Total domestic deposits to total assets | 77.8747% | 6,105 |
| Equity capital to assets | 11.0683% | 2,871 |
| Core capital (leverage) ratio | 10.2766% | 3,041 |
| Tier 1 risk-based capital ratio | 12.0794% | 5,738 |
| Total risk-based capital ratio | 13.1801% | 5,785 |
| Memoranda: | ||
| Average total assets | $200,138,000 | 3,045 |
| Average earning assets | $169,624,400 | 3,233 |
| Average equity | $21,657,800 | 3,016 |
| Average total loans | $111,351,400 | 3,268 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1007% | 1,426 |
| Cost of funding earning assets | 0.9114% | 2,097 |
| Net interest margin | 4.1893% | 1,768 |
| Noninterest income to average assets | 1.0901% | 1,267 |
| Noninterest expense to average assets | 3.7735% | 1,255 |
| Loan and lease loss provision to assets | 0.3518% | 1,852 |
| Net operating income to assets | 0.3409% | 5,470 |
| Return on assets (ROA) | 0.5119% | 5,057 |
| Pretax return on assets | 0.7618% | 4,627 |
| Return on Equity (ROE) | 4.7583% | 4,943 |
| Retained earnings to average equity (ytd only) | 4.7583% | 3,554 |
| Net charge-offs to loans | 0.3801% | 2,576 |
| Credit loss provision to net charge-offs | 164.5768% | 1,693 |
| Earnings coverage of net charge-offs (x) | 4.0157% | 3,431 |
| Efficiency ratio | 79.5892% | 2,156 |
| Assets per employee ($millions) | 3.8218% | 4,252 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9035% | 2,463 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.1498% | 3,990 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 51.3169% | 5,141 |
| Net loans and leases to deposits | 67.1942% | 4,311 |
| Net loans and leases to core deposits | 74.4604% | 3,917 |
| Total domestic deposits to total assets | 76.3711% | 6,330 |
| Equity capital to assets | 11.1124% | 3,137 |
| Core capital (leverage) ratio | 10.0497% | 3,473 |
| Tier 1 risk-based capital ratio | 11.4536% | 6,249 |
| Total risk-based capital ratio | 12.6315% | 6,266 |
| Memoranda: | ||
| Average total assets | $198,994,750 | 3,091 |
| Average earning assets | $168,234,000 | 3,285 |
| Average equity | $21,407,750 | 3,077 |
| Average total loans | $111,901,750 | 3,280 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2632% | 1,116 |
| Cost of funding earning assets | 0.9912% | 1,820 |
| Net interest margin | 4.2720% | 1,539 |
| Noninterest income to average assets | 1.1243% | 1,131 |
| Noninterest expense to average assets | 3.8644% | 1,123 |
| Loan and lease loss provision to assets | 0.5055% | 1,248 |
| Net operating income to assets | 0.2526% | 5,759 |
| Return on assets (ROA) | 0.4550% | 5,252 |
| Pretax return on assets | 0.6350% | 5,008 |
| Return on Equity (ROE) | 4.2774% | 5,141 |
| Retained earnings to average equity (ytd only) | 4.2774% | 3,761 |
| Net charge-offs to loans | 0.5005% | 2,084 |
| Credit loss provision to net charge-offs | 175.4386% | 1,607 |
| Earnings coverage of net charge-offs (x) | 2.9825% | 3,556 |
| Efficiency ratio | 79.9443% | 2,190 |
| Assets per employee ($millions) | 3.6690% | 4,592 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8424% | 2,725 |
| Loan loss allowance to noncurrent loans | 84.0315% | 3,664 |
| Noncurrent assets plus other real estate owned to assets | 2.5635% | 2,178 |
| Noncurrent loans to loans | 2.1925% | 2,724 |
| Net loans and leases to total assets | 55.5092% | 4,541 |
| Net loans and leases to deposits | 70.7570% | 3,788 |
| Net loans and leases to core deposits | 78.1447% | 3,494 |
| Total domestic deposits to total assets | 78.4504% | 6,068 |
| Equity capital to assets | 11.1063% | 3,012 |
| Core capital (leverage) ratio | 9.8381% | 3,663 |
| Tier 1 risk-based capital ratio | 11.4529% | 6,245 |
| Total risk-based capital ratio | 12.6591% | 6,247 |
| Memoranda: | ||
| Average total assets | $197,807,330 | 3,108 |
| Average earning assets | $166,667,000 | 3,319 |
| Average equity | $21,040,670 | 3,105 |
| Average total loans | $113,881,330 | 3,254 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2447% | 1,216 |
| Cost of funding earning assets | 1.1298% | 1,253 |
| Net interest margin | 4.1149% | 2,043 |
| Noninterest income to average assets | 1.1029% | 1,162 |
| Noninterest expense to average assets | 3.7637% | 1,268 |
| Loan and lease loss provision to assets | 0.8522% | 544 |
| Net operating income to assets | -0.0297% | 6,455 |
| Return on assets (ROA) | 0.2928% | 5,849 |
| Pretax return on assets | 0.4371% | 5,624 |
| Return on Equity (ROE) | 2.8128% | 5,786 |
| Retained earnings to average equity (ytd only) | 2.8128% | 4,848 |
| Net charge-offs to loans | 1.9648% | 483 |
| Credit loss provision to net charge-offs | 74.6924% | 2,835 |
| Earnings coverage of net charge-offs (x) | 0.7083% | 3,983 |
| Efficiency ratio | 80.4825% | 2,145 |
| Assets per employee ($millions) | 3.6341% | 4,800 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4402% | 4,417 |
| Loan loss allowance to noncurrent loans | 52.7198% | 4,909 |
| Noncurrent assets plus other real estate owned to assets | 3.0599% | 1,903 |
| Noncurrent loans to loans | 2.7319% | 2,386 |
| Net loans and leases to total assets | 57.0744% | 4,207 |
| Net loans and leases to deposits | 73.5968% | 3,179 |
| Net loans and leases to core deposits | 81.3280% | 2,914 |
| Total domestic deposits to total assets | 77.5501% | 6,327 |
| Equity capital to assets | 10.5150% | 3,471 |
| Core capital (leverage) ratio | 9.4604% | 4,101 |
| Tier 1 risk-based capital ratio | 10.8732% | 6,590 |
| Total risk-based capital ratio | 11.8428% | 6,694 |
| Memoranda: | ||
| Average total assets | $199,482,000 | 3,111 |
| Average earning assets | $168,170,000 | 3,315 |
| Average equity | $20,762,500 | 3,138 |
| Average total loans | $115,838,000 | 3,235 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4343% | 1,333 |
| Cost of funding earning assets | 1.3656% | 1,180 |
| Net interest margin | 4.0687% | 2,575 |
| Noninterest income to average assets | 0.8098% | 2,003 |
| Noninterest expense to average assets | 3.8839% | 1,204 |
| Loan and lease loss provision to assets | 1.5759% | 453 |
| Net operating income to assets | -0.6690% | 6,590 |
| Return on assets (ROA) | -0.4563% | 6,510 |
| Pretax return on assets | -0.8236% | 6,655 |
| Return on Equity (ROE) | -4.4696% | 6,502 |
| Retained earnings to average equity (ytd only) | -4.4696% | 6,410 |
| Net charge-offs to loans | 2.1121% | 633 |
| Credit loss provision to net charge-offs | 123.0326% | 2,566 |
| Earnings coverage of net charge-offs (x) | 0.3278% | 5,579 |
| Efficiency ratio | 88.3469% | 1,332 |
| Assets per employee ($millions) | 3.8286% | 4,253 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5621% | 3,742 |
| Loan loss allowance to noncurrent loans | 37.1335% | 5,765 |
| Noncurrent assets plus other real estate owned to assets | 4.2735% | 1,307 |
| Noncurrent loans to loans | 4.2068% | 1,460 |
| Net loans and leases to total assets | 57.3214% | 4,492 |
| Net loans and leases to deposits | 72.6763% | 3,711 |
| Net loans and leases to core deposits | 80.1759% | 3,432 |
| Total domestic deposits to total assets | 78.8722% | 6,021 |
| Equity capital to assets | 10.3010% | 3,783 |
| Core capital (leverage) ratio | 8.9801% | 4,820 |
| Tier 1 risk-based capital ratio | 10.4552% | 6,705 |
| Total risk-based capital ratio | 11.4999% | 6,764 |
| Memoranda: | ||
| Average total assets | $203,380,000 | 3,016 |
| Average earning assets | $174,648,800 | 3,165 |
| Average equity | $20,762,600 | 3,039 |
| Average total loans | $123,339,400 | 3,114 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3929% | 1,536 |
| Cost of funding earning assets | 1.4270% | 1,122 |
| Net interest margin | 3.9659% | 3,070 |
| Noninterest income to average assets | 0.6384% | 2,947 |
| Noninterest expense to average assets | 3.9023% | 1,151 |
| Loan and lease loss provision to assets | 1.6988% | 364 |
| Net operating income to assets | -0.9102% | 6,847 |
| Return on assets (ROA) | -0.6560% | 6,767 |
| Pretax return on assets | -1.1419% | 6,920 |
| Return on Equity (ROE) | -6.4404% | 6,739 |
| Retained earnings to average equity (ytd only) | -6.4404% | 6,668 |
| Net charge-offs to loans | 2.1758% | 568 |
| Credit loss provision to net charge-offs | 127.5086% | 2,508 |
| Earnings coverage of net charge-offs (x) | 0.1199% | 5,512 |
| Efficiency ratio | 94.0761% | 914 |
| Assets per employee ($millions) | 3.7733% | 4,357 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4238% | 4,448 |
| Loan loss allowance to noncurrent loans | 29.2044% | 6,300 |
| Noncurrent assets plus other real estate owned to assets | 4.8094% | 1,213 |
| Noncurrent loans to loans | 4.8753% | 1,301 |
| Net loans and leases to total assets | 59.1488% | 4,297 |
| Net loans and leases to deposits | 76.0630% | 3,319 |
| Net loans and leases to core deposits | 85.2835% | 2,875 |
| Total domestic deposits to total assets | 77.7628% | 6,234 |
| Equity capital to assets | 9.8270% | 4,589 |
| Core capital (leverage) ratio | 8.6164% | 5,527 |
| Tier 1 risk-based capital ratio | 10.0893% | 6,926 |
| Total risk-based capital ratio | 11.0828% | 6,985 |
| Memoranda: | ||
| Average total assets | $204,453,000 | 3,027 |
| Average earning assets | $176,500,750 | 3,153 |
| Average equity | $20,826,250 | 3,034 |
| Average total loans | $125,191,500 | 3,096 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4044% | 1,548 |
| Cost of funding earning assets | 1.5037% | 993 |
| Net interest margin | 3.9007% | 3,303 |
| Noninterest income to average assets | 0.9016% | 1,640 |
| Noninterest expense to average assets | 3.8835% | 1,223 |
| Loan and lease loss provision to assets | 0.9291% | 955 |
| Net operating income to assets | -0.2943% | 6,551 |
| Return on assets (ROA) | -0.1445% | 6,454 |
| Pretax return on assets | -0.2900% | 6,525 |
| Return on Equity (ROE) | -1.4020% | 6,455 |
| Retained earnings to average equity (ytd only) | -1.4020% | 6,135 |
| Net charge-offs to loans | 0.6060% | 2,310 |
| Credit loss provision to net charge-offs | 248.6842% | 1,221 |
| Earnings coverage of net charge-offs (x) | 1.0842% | 4,472 |
| Efficiency ratio | 88.6520% | 1,352 |
| Assets per employee ($millions) | 3.6934% | 4,464 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4184% | 4,483 |
| Loan loss allowance to noncurrent loans | 22.1116% | 6,645 |
| Noncurrent assets plus other real estate owned to assets | 5.3580% | 1,115 |
| Noncurrent loans to loans | 6.4146% | 881 |
| Net loans and leases to total assets | 57.6225% | 4,704 |
| Net loans and leases to deposits | 77.1291% | 3,274 |
| Net loans and leases to core deposits | 95.2550% | 1,757 |
| Total domestic deposits to total assets | 74.7092% | 6,763 |
| Equity capital to assets | 9.8712% | 4,309 |
| Core capital (leverage) ratio | 9.6311% | 3,764 |
| Tier 1 risk-based capital ratio | 11.0420% | 6,494 |
| Total risk-based capital ratio | 12.0494% | 6,633 |
| Memoranda: | ||
| Average total assets | $203,427,000 | 3,061 |
| Average earning assets | $176,635,000 | 3,176 |
| Average equity | $20,970,330 | 3,000 |
| Average total loans | $125,413,670 | 3,116 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4852% | 1,337 |
| Cost of funding earning assets | 1.5991% | 818 |
| Net interest margin | 3.8861% | 3,210 |
| Noninterest income to average assets | 0.7918% | 2,062 |
| Noninterest expense to average assets | 3.7691% | 1,396 |
| Loan and lease loss provision to assets | 1.0705% | 695 |
| Net operating income to assets | -0.3555% | 6,708 |
| Return on assets (ROA) | -0.3555% | 6,713 |
| Pretax return on assets | -0.6363% | 6,836 |
| Return on Equity (ROE) | -3.3712% | 6,697 |
| Retained earnings to average equity (ytd only) | -3.3712% | 6,344 |
| Net charge-offs to loans | 0.5386% | 2,149 |
| Credit loss provision to net charge-offs | 313.6095% | 1,029 |
| Earnings coverage of net charge-offs (x) | 1.2722% | 3,715 |
| Efficiency ratio | 87.6982% | 1,551 |
| Assets per employee ($millions) | 3.5186% | 4,952 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2598% | 5,344 |
| Loan loss allowance to noncurrent loans | 14.6002% | 6,929 |
| Noncurrent assets plus other real estate owned to assets | 6.8514% | 793 |
| Noncurrent loans to loans | 8.6284% | 536 |
| Net loans and leases to total assets | 61.4353% | 3,978 |
| Net loans and leases to deposits | 79.4621% | 2,813 |
| Net loans and leases to core deposits | 93.7238% | 1,925 |
| Total domestic deposits to total assets | 77.3139% | 6,480 |
| Equity capital to assets | 10.4134% | 3,271 |
| Core capital (leverage) ratio | 9.9358% | 3,216 |
| Tier 1 risk-based capital ratio | 11.3749% | 6,198 |
| Total risk-based capital ratio | 12.2995% | 6,461 |
| Memoranda: | ||
| Average total assets | $198,030,500 | 3,142 |
| Average earning assets | $173,850,000 | 3,235 |
| Average equity | $20,882,500 | 2,998 |
| Average total loans | $125,513,000 | 3,140 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6063% | 1,868 |
| Cost of funding earning assets | 1.7462% | 1,391 |
| Net interest margin | 3.8601% | 3,688 |
| Noninterest income to average assets | 0.8544% | 2,034 |
| Noninterest expense to average assets | 3.8346% | 1,420 |
| Loan and lease loss provision to assets | 0.7709% | 2,123 |
| Net operating income to assets | -0.1020% | 5,994 |
| Return on assets (ROA) | 0.2448% | 5,277 |
| Pretax return on assets | 0.0201% | 5,857 |
| Return on Equity (ROE) | 2.2130% | 5,302 |
| Retained earnings to average equity (ytd only) | 2.2130% | 4,338 |
| Net charge-offs to loans | 1.6902% | 1,285 |
| Credit loss provision to net charge-offs | 67.0852% | 5,930 |
| Earnings coverage of net charge-offs (x) | 0.3865% | 5,722 |
| Efficiency ratio | 87.6310% | 1,508 |
| Assets per employee ($millions) | 3.4299% | 5,108 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9593% | 6,535 |
| Loan loss allowance to noncurrent loans | 14.1936% | 7,012 |
| Noncurrent assets plus other real estate owned to assets | 5.9774% | 997 |
| Noncurrent loans to loans | 6.7586% | 857 |
| Net loans and leases to total assets | 63.9528% | 3,883 |
| Net loans and leases to deposits | 82.9550% | 2,640 |
| Net loans and leases to core deposits | 98.6959% | 1,729 |
| Total domestic deposits to total assets | 77.0933% | 6,469 |
| Equity capital to assets | 10.6802% | 2,981 |
| Core capital (leverage) ratio | 10.4109% | 2,658 |
| Tier 1 risk-based capital ratio | 11.9554% | 5,517 |
| Total risk-based capital ratio | 12.6773% | 5,960 |
| Memoranda: | ||
| Average total assets | $194,049,600 | 3,176 |
| Average earning assets | $172,144,400 | 3,243 |
| Average equity | $21,463,800 | 2,950 |
| Average total loans | $131,937,000 | 3,088 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6863% | 1,757 |
| Cost of funding earning assets | 1.7760% | 1,525 |
| Net interest margin | 3.9103% | 3,488 |
| Noninterest income to average assets | 1.0512% | 1,304 |
| Noninterest expense to average assets | 3.8921% | 1,213 |
| Loan and lease loss provision to assets | 0.3717% | 3,665 |
| Net operating income to assets | 0.3511% | 4,960 |
| Return on assets (ROA) | 0.3256% | 5,231 |
| Pretax return on assets | 0.2327% | 5,656 |
| Return on Equity (ROE) | 2.9184% | 5,254 |
| Retained earnings to average equity (ytd only) | 2.9184% | 4,380 |
| Net charge-offs to loans | 0.8758% | 2,256 |
| Credit loss provision to net charge-offs | 61.6438% | 5,647 |
| Earnings coverage of net charge-offs (x) | 1.0445% | 5,017 |
| Efficiency ratio | 84.1833% | 1,814 |
| Assets per employee ($millions) | 3.2008% | 5,677 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2379% | 5,299 |
| Loan loss allowance to noncurrent loans | 43.4982% | 5,379 |
| Noncurrent assets plus other real estate owned to assets | 3.8326% | 1,853 |
| Noncurrent loans to loans | 2.8458% | 2,804 |
| Net loans and leases to total assets | 65.7480% | 3,747 |
| Net loans and leases to deposits | 85.2193% | 2,484 |
| Net loans and leases to core deposits | 103.9021% | 1,492 |
| Total domestic deposits to total assets | 77.1515% | 6,450 |
| Equity capital to assets | 11.5300% | 2,508 |
| Core capital (leverage) ratio | 10.5092% | 2,676 |
| Tier 1 risk-based capital ratio | 12.1261% | 5,339 |
| Total risk-based capital ratio | 13.1006% | 5,566 |
| Memoranda: | ||
| Average total assets | $193,686,500 | 3,229 |
| Average earning assets | $171,917,250 | 3,288 |
| Average equity | $21,609,750 | 2,967 |
| Average total loans | $133,361,250 | 3,112 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7158% | 1,703 |
| Cost of funding earning assets | 1.8256% | 1,541 |
| Net interest margin | 3.8902% | 3,491 |
| Noninterest income to average assets | 1.0550% | 1,207 |
| Noninterest expense to average assets | 3.8257% | 1,316 |
| Loan and lease loss provision to assets | 0.3003% | 3,990 |
| Net operating income to assets | 0.4773% | 4,426 |
| Return on assets (ROA) | 0.3613% | 5,084 |
| Pretax return on assets | 0.2682% | 5,601 |
| Return on Equity (ROE) | 3.2756% | 5,104 |
| Retained earnings to average equity (ytd only) | 3.2756% | 4,015 |
| Net charge-offs to loans | 0.8298% | 2,180 |
| Credit loss provision to net charge-offs | 51.9713% | 5,374 |
| Earnings coverage of net charge-offs (x) | 1.1846% | 4,615 |
| Efficiency ratio | 82.9201% | 2,053 |
| Assets per employee ($millions) | 3.2859% | 5,464 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2466% | 5,203 |
| Loan loss allowance to noncurrent loans | 58.5545% | 4,428 |
| Noncurrent assets plus other real estate owned to assets | 2.9401% | 2,442 |
| Noncurrent loans to loans | 2.1290% | 3,553 |
| Net loans and leases to total assets | 68.5224% | 3,245 |
| Net loans and leases to deposits | 90.7448% | 1,736 |
| Net loans and leases to core deposits | 109.1353% | 1,225 |
| Total domestic deposits to total assets | 75.5110% | 6,775 |
| Equity capital to assets | 11.2291% | 2,662 |
| Core capital (leverage) ratio | 10.3771% | 2,740 |
| Tier 1 risk-based capital ratio | 11.7430% | 5,546 |
| Total risk-based capital ratio | 12.7438% | 5,746 |
| Memoranda: | ||
| Average total assets | $193,166,330 | 3,259 |
| Average earning assets | $171,559,670 | 3,316 |
| Average equity | $21,309,000 | 3,004 |
| Average total loans | $134,488,330 | 3,111 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7331% | 1,664 |
| Cost of funding earning assets | 1.8362% | 1,715 |
| Net interest margin | 3.8969% | 3,344 |
| Noninterest income to average assets | 0.1473% | 6,921 |
| Noninterest expense to average assets | 2.8338% | 4,352 |
| Loan and lease loss provision to assets | 0.2904% | 3,696 |
| Net operating income to assets | 0.4792% | 4,493 |
| Return on assets (ROA) | 0.4792% | 4,624 |
| Pretax return on assets | 0.4792% | 5,033 |
| Return on Equity (ROE) | 4.3836% | 4,714 |
| Retained earnings to average equity (ytd only) | 4.3836% | 3,521 |
| Net charge-offs to loans | 0.0654% | 4,753 |
| Credit loss provision to net charge-offs | 636.3636% | 685 |
| Earnings coverage of net charge-offs (x) | 16.8636% | 1,318 |
| Efficiency ratio | 78.6413% | 2,787 |
| Assets per employee ($millions) | 3.2384% | 5,674 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5362% | 3,715 |
| Loan loss allowance to noncurrent loans | 68.0858% | 3,953 |
| Noncurrent assets plus other real estate owned to assets | 2.6932% | 2,704 |
| Noncurrent loans to loans | 2.2563% | 3,452 |
| Net loans and leases to total assets | 68.0528% | 3,375 |
| Net loans and leases to deposits | 87.0322% | 2,399 |
| Net loans and leases to core deposits | 106.8492% | 1,500 |
| Total domestic deposits to total assets | 78.1927% | 6,271 |
| Equity capital to assets | 11.0493% | 2,715 |
| Core capital (leverage) ratio | 10.4259% | 2,698 |
| Tier 1 risk-based capital ratio | 11.7742% | 5,425 |
| Total risk-based capital ratio | 13.0042% | 5,385 |
| Memoranda: | ||
| Average total assets | $192,814,000 | 3,324 |
| Average earning assets | $171,006,500 | 3,389 |
| Average equity | $21,078,500 | 3,058 |
| Average total loans | $134,471,500 | 3,175 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8418% | 2,479 |
| Cost of funding earning assets | 2.4605% | 1,122 |
| Net interest margin | 3.3812% | 5,443 |
| Noninterest income to average assets | 0.2971% | 5,979 |
| Noninterest expense to average assets | 2.7782% | 5,058 |
| Loan and lease loss provision to assets | 0.5752% | 3,503 |
| Net operating income to assets | 0.2607% | 4,678 |
| Return on assets (ROA) | 0.4087% | 4,204 |
| Pretax return on assets | 0.1796% | 5,050 |
| Return on Equity (ROE) | 3.9457% | 4,112 |
| Retained earnings to average equity (ytd only) | 3.9457% | 2,441 |
| Net charge-offs to loans | 0.7907% | 2,846 |
| Credit loss provision to net charge-offs | 99.7170% | 5,589 |
| Earnings coverage of net charge-offs (x) | 1.0519% | 5,062 |
| Efficiency ratio | 82.0740% | 2,589 |
| Assets per employee ($millions) | 3.4165% | 5,219 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4445% | 4,011 |
| Loan loss allowance to noncurrent loans | 64.1914% | 4,181 |
| Noncurrent assets plus other real estate owned to assets | 2.7717% | 2,522 |
| Noncurrent loans to loans | 2.2502% | 3,333 |
| Net loans and leases to total assets | 69.3617% | 3,402 |
| Net loans and leases to deposits | 86.3534% | 2,849 |
| Net loans and leases to core deposits | 110.0207% | 2,892 |
| Total domestic deposits to total assets | 80.3231% | 5,578 |
| Equity capital to assets | 10.8130% | 2,855 |
| Core capital (leverage) ratio | 10.0218% | 3,066 |
| Tier 1 risk-based capital ratio | 11.1380% | 5,792 |
| Total risk-based capital ratio | 12.2886% | 5,851 |
| Memoranda: | ||
| Average total assets | $183,749,600 | 3,371 |
| Average earning assets | $167,808,400 | 3,387 |
| Average equity | $19,033,200 | 3,342 |
| Average total loans | $134,062,400 | 3,190 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7778% | 2,998 |
| Cost of funding earning assets | 2.5743% | 1,095 |
| Net interest margin | 3.2035% | 6,015 |
| Noninterest income to average assets | 0.1114% | 7,339 |
| Noninterest expense to average assets | 2.5360% | 5,950 |
| Loan and lease loss provision to assets | 0.4414% | 3,702 |
| Net operating income to assets | 0.1716% | 5,243 |
| Return on assets (ROA) | 0.3189% | 4,831 |
| Pretax return on assets | 0.2302% | 5,228 |
| Return on Equity (ROE) | 3.1150% | 4,739 |
| Retained earnings to average equity (ytd only) | 3.1150% | 3,577 |
| Net charge-offs to loans | 0.4042% | 3,638 |
| Credit loss provision to net charge-offs | 148.2759% | 3,255 |
| Earnings coverage of net charge-offs (x) | 1.7611% | 4,475 |
| Efficiency ratio | 82.8701% | 2,447 |
| Assets per employee ($millions) | 5.6323% | 1,490 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5688% | 3,124 |
| Loan loss allowance to noncurrent loans | 59.7547% | 4,374 |
| Noncurrent assets plus other real estate owned to assets | 2.6761% | 2,604 |
| Noncurrent loans to loans | 2.6254% | 2,878 |
| Net loans and leases to total assets | 72.3762% | 2,939 |
| Net loans and leases to deposits | 89.3828% | 2,699 |
| Net loans and leases to core deposits | 118.5885% | 2,368 |
| Total domestic deposits to total assets | 80.9733% | 5,088 |
| Equity capital to assets | 11.0882% | 2,933 |
| Core capital (leverage) ratio | 11.3528% | 2,156 |
| Tier 1 risk-based capital ratio | 12.2578% | 4,737 |
| Total risk-based capital ratio | 13.5138% | 4,677 |
| Memoranda: | ||
| Average total assets | $181,855,500 | 3,438 |
| Average earning assets | $167,394,500 | 3,418 |
| Average equity | $18,619,500 | 3,432 |
| Average total loans | $133,915,000 | 3,227 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8012% | 3,037 |
| Cost of funding earning assets | 2.6951% | 1,041 |
| Net interest margin | 3.1061% | 6,217 |
| Noninterest income to average assets | 0.1119% | 7,424 |
| Noninterest expense to average assets | 2.5349% | 6,002 |
| Loan and lease loss provision to assets | 0.2570% | 4,519 |
| Net operating income to assets | 0.2814% | 4,980 |
| Return on assets (ROA) | 0.2814% | 5,078 |
| Pretax return on assets | 0.1751% | 5,529 |
| Return on Equity (ROE) | 2.8291% | 4,964 |
| Retained earnings to average equity (ytd only) | 2.8291% | 3,749 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.4369% | 2,301 |
| Assets per employee ($millions) | 5.8986% | 1,272 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5876% | 2,794 |
| Loan loss allowance to noncurrent loans | 52.7348% | 4,863 |
| Noncurrent assets plus other real estate owned to assets | 2.7234% | 2,359 |
| Noncurrent loans to loans | 3.0106% | 2,396 |
| Net loans and leases to total assets | 73.8665% | 2,741 |
| Net loans and leases to deposits | 90.1392% | 2,812 |
| Net loans and leases to core deposits | 129.0511% | 1,647 |
| Total domestic deposits to total assets | 81.9471% | 4,712 |
| Equity capital to assets | 10.2769% | 3,633 |
| Core capital (leverage) ratio | 10.7119% | 2,653 |
| Tier 1 risk-based capital ratio | 11.4410% | 5,452 |
| Total risk-based capital ratio | 12.6969% | 5,363 |
| Memoranda: | ||
| Average total assets | $180,519,000 | 3,474 |
| Average earning assets | $165,931,000 | 3,463 |
| Average equity | $17,956,330 | 3,554 |
| Average total loans | $132,998,000 | 3,285 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7849% | 3,379 |
| Cost of funding earning assets | 2.8283% | 915 |
| Net interest margin | 2.9566% | 6,597 |
| Noninterest income to average assets | 0.1048% | 7,515 |
| Noninterest expense to average assets | 2.3596% | 6,340 |
| Loan and lease loss provision to assets | 0.1829% | 4,613 |
| Net operating income to assets | 0.3635% | 5,001 |
| Return on assets (ROA) | 0.3635% | 5,186 |
| Pretax return on assets | 0.2855% | 5,713 |
| Return on Equity (ROE) | 3.7175% | 5,077 |
| Retained earnings to average equity (ytd only) | 3.7175% | 3,836 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.4385% | 2,367 |
| Assets per employee ($millions) | 5.6808% | 1,410 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5297% | 2,817 |
| Loan loss allowance to noncurrent loans | 58.3166% | 4,700 |
| Noncurrent assets plus other real estate owned to assets | 2.3814% | 2,401 |
| Noncurrent loans to loans | 2.6230% | 2,510 |
| Net loans and leases to total assets | 71.8863% | 3,265 |
| Net loans and leases to deposits | 86.5430% | 3,544 |
| Net loans and leases to core deposits | 124.3577% | 2,055 |
| Total domestic deposits to total assets | 83.0642% | 4,113 |
| Equity capital to assets | 9.2999% | 4,937 |
| Core capital (leverage) ratio | 9.8973% | 3,521 |
| Tier 1 risk-based capital ratio | 10.8147% | 6,077 |
| Total risk-based capital ratio | 12.0347% | 6,014 |
| Memoranda: | ||
| Average total assets | $179,350,000 | 3,516 |
| Average earning assets | $165,188,500 | 3,489 |
| Average equity | $17,538,500 | 3,629 |
| Average total loans | $130,872,500 | 3,343 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5505% | 2,717 |
| Cost of funding earning assets | 3.3124% | 891 |
| Net interest margin | 3.2381% | 6,248 |
| Noninterest income to average assets | 0.1102% | 7,579 |
| Noninterest expense to average assets | 2.8804% | 4,513 |
| Loan and lease loss provision to assets | 0.5432% | 2,650 |
| Net operating income to assets | 0.1407% | 6,002 |
| Return on assets (ROA) | -0.5606% | 6,857 |
| Pretax return on assets | -1.4105% | 7,218 |
| Return on Equity (ROE) | -4.2903% | 6,785 |
| Retained earnings to average equity (ytd only) | -4.2903% | 6,378 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.6499% | 1,351 |
| Assets per employee ($millions) | 5.3610% | 1,564 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5097% | 2,627 |
| Loan loss allowance to noncurrent loans | 43.7458% | 5,820 |
| Noncurrent assets plus other real estate owned to assets | 2.5171% | 1,924 |
| Noncurrent loans to loans | 3.4510% | 1,478 |
| Net loans and leases to total assets | 71.8359% | 3,624 |
| Net loans and leases to deposits | 88.3346% | 3,751 |
| Net loans and leases to core deposits | 114.8280% | 3,255 |
| Total domestic deposits to total assets | 81.3225% | 4,500 |
| Equity capital to assets | 10.2712% | 3,740 |
| Core capital (leverage) ratio | 10.8636% | 2,697 |
| Tier 1 risk-based capital ratio | 11.5292% | 5,214 |
| Total risk-based capital ratio | 12.7335% | 5,147 |
| Memoranda: | ||
| Average total assets | $149,666,600 | 3,903 |
| Average earning assets | $138,599,600 | 3,875 |
| Average equity | $19,555,600 | 3,299 |
| Average total loans | $107,019,600 | 3,768 |