Home > Central Bank of Audrain County > Performance and Condition Ratios
Central Bank of Audrain County, 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 | 2.3683% | 4,646 |
| Cost of funding earning assets | 0.0943% | 4,544 |
| Net interest margin | 2.2740% | 4,509 |
| Noninterest income to average assets | 0.7078% | 1,799 |
| Noninterest expense to average assets | 1.6138% | 4,452 |
| Loan and lease loss provision to assets | 0.0132% | 2,729 |
| Net operating income to assets | 1.0034% | 2,893 |
| Return on assets (ROA) | 1.0047% | 2,953 |
| Pretax return on assets | 1.2868% | 2,655 |
| Return on Equity (ROE) | 13.7054% | 1,478 |
| Retained earnings to average equity (ytd only) | 5.9623% | 2,837 |
| Net charge-offs to loans | -0.0523% | 4,381 |
| Credit loss provision to net charge-offs | -65.7143% | 3,174 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.8928% | 3,679 |
| Assets per employee ($millions) | 11.2490% | 449 |
| Cash dividends to net income (ytd only)* | 56.4972% | 951 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1032% | 530 |
| Loan loss allowance to noncurrent loans | 213.9480% | 2,441 |
| Noncurrent assets plus other real estate owned to assets | 0.3760% | 1,943 |
| Noncurrent loans to loans | 0.9830% | 1,171 |
| Net loans and leases to total assets | 37.4479% | 4,324 |
| Net loans and leases to deposits | 42.1674% | 4,376 |
| Net loans and leases to core deposits | 42.7745% | 4,424 |
| Total domestic deposits to total assets | 88.8078% | 1,395 |
| Equity capital to assets | 7.7789% | 4,626 |
| Core capital (leverage) ratio | 7.0102% | 4,821 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9361% | 975 |
| Memoranda: | ||
| Average total assets | $234,888,750 | 2,849 |
| Average earning assets | $227,670,250 | 2,780 |
| Average equity | $17,219,000 | 3,487 |
| Average total loans | $89,164,250 | 3,391 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3580% | 4,693 |
| Cost of funding earning assets | 0.0945% | 4,611 |
| Net interest margin | 2.2636% | 4,550 |
| Noninterest income to average assets | 0.6617% | 1,963 |
| Noninterest expense to average assets | 1.6004% | 4,510 |
| Loan and lease loss provision to assets | 0.0134% | 2,686 |
| Net operating income to assets | 0.9720% | 2,992 |
| Return on assets (ROA) | 0.9740% | 3,063 |
| Pretax return on assets | 1.2435% | 2,792 |
| Return on Equity (ROE) | 13.5474% | 1,548 |
| Retained earnings to average equity (ytd only) | 13.5474% | 627 |
| Net charge-offs to loans | -0.0466% | 4,341 |
| Credit loss provision to net charge-offs | -76.1905% | 3,024 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5294% | 3,598 |
| Assets per employee ($millions) | 10.0485% | 595 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0766% | 526 |
| Loan loss allowance to noncurrent loans | 411.2644% | 1,479 |
| Noncurrent assets plus other real estate owned to assets | 0.2163% | 2,851 |
| Noncurrent loans to loans | 0.5049% | 2,160 |
| Net loans and leases to total assets | 36.5024% | 4,444 |
| Net loans and leases to deposits | 41.0470% | 4,485 |
| Net loans and leases to core deposits | 41.6484% | 4,526 |
| Total domestic deposits to total assets | 88.9285% | 1,315 |
| Equity capital to assets | 7.7952% | 4,633 |
| Core capital (leverage) ratio | 6.9386% | 4,867 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4176% | 897 |
| Memoranda: | ||
| Average total assets | $238,192,000 | 2,820 |
| Average earning assets | $230,784,000 | 2,759 |
| Average equity | $17,125,000 | 3,501 |
| Average total loans | $90,199,000 | 3,394 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1377% | 4,807 |
| Cost of funding earning assets | 0.0976% | 4,664 |
| Net interest margin | 2.0401% | 4,712 |
| Noninterest income to average assets | 0.6205% | 2,126 |
| Noninterest expense to average assets | 1.5637% | 4,583 |
| Loan and lease loss provision to assets | 0.0099% | 2,647 |
| Net operating income to assets | 0.8042% | 3,411 |
| Return on assets (ROA) | 0.8042% | 3,481 |
| Pretax return on assets | 1.0193% | 3,317 |
| Return on Equity (ROE) | 11.6550% | 2,144 |
| Retained earnings to average equity (ytd only) | 11.6550% | 1,239 |
| Net charge-offs to loans | 0.0043% | 1,761 |
| Credit loss provision to net charge-offs | 600.0000% | 549 |
| Earnings coverage of net charge-offs (x) | 622.0000% | 160 |
| Efficiency ratio | 59.7320% | 3,063 |
| Assets per employee ($millions) | 11.2262% | 419 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9053% | 738 |
| Loan loss allowance to noncurrent loans | 371.4588% | 1,476 |
| Noncurrent assets plus other real estate owned to assets | 0.2170% | 3,064 |
| Noncurrent loans to loans | 0.5129% | 2,321 |
| Net loans and leases to total assets | 36.6273% | 4,476 |
| Net loans and leases to deposits | 40.6917% | 4,539 |
| Net loans and leases to core deposits | 41.3283% | 4,583 |
| Total domestic deposits to total assets | 90.0116% | 811 |
| Equity capital to assets | 6.8197% | 4,871 |
| Core capital (leverage) ratio | 6.3779% | 4,941 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4623% | 1,179 |
| Memoranda: | ||
| Average total assets | $241,730,000 | 2,785 |
| Average earning assets | $233,714,500 | 2,716 |
| Average equity | $16,679,500 | 3,542 |
| Average total loans | $92,222,500 | 3,375 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8736% | 4,715 |
| Cost of funding earning assets | 0.2507% | 4,371 |
| Net interest margin | 2.6229% | 4,470 |
| Noninterest income to average assets | 0.6867% | 1,908 |
| Noninterest expense to average assets | 1.6682% | 4,650 |
| Loan and lease loss provision to assets | 0.0661% | 3,547 |
| Net operating income to assets | 1.1751% | 1,631 |
| Return on assets (ROA) | 1.1751% | 1,744 |
| Pretax return on assets | 1.4846% | 1,388 |
| Return on Equity (ROE) | 15.6529% | 544 |
| Retained earnings to average equity (ytd only) | 12.4611% | 280 |
| Net charge-offs to loans | 0.0021% | 3,326 |
| Credit loss provision to net charge-offs | 6,900.0000% | 158 |
| Earnings coverage of net charge-offs (x) | 1,618.0000% | 70 |
| Efficiency ratio | 51.2878% | 4,442 |
| Assets per employee ($millions) | 10.7492% | 430 |
| Cash dividends to net income (ytd only)* | 20.3915% | 3,228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8997% | 723 |
| Loan loss allowance to noncurrent loans | 378.4017% | 1,436 |
| Noncurrent assets plus other real estate owned to assets | 0.2224% | 3,173 |
| Noncurrent loans to loans | 0.5020% | 2,466 |
| Net loans and leases to total assets | 38.2586% | 4,510 |
| Net loans and leases to deposits | 42.6868% | 4,570 |
| Net loans and leases to core deposits | 43.4312% | 4,621 |
| Total domestic deposits to total assets | 89.6263% | 712 |
| Equity capital to assets | 6.9840% | 4,917 |
| Core capital (leverage) ratio | 7.1147% | 4,917 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6053% | 1,378 |
| Memoranda: | ||
| Average total assets | $208,670,000 | 2,872 |
| Average earning assets | $201,452,600 | 2,810 |
| Average equity | $15,664,800 | 3,590 |
| Average total loans | $94,460,000 | 3,329 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0792% | 4,681 |
| Cost of funding earning assets | 0.3007% | 4,312 |
| Net interest margin | 2.7786% | 4,369 |
| Noninterest income to average assets | 0.6868% | 1,836 |
| Noninterest expense to average assets | 1.7238% | 4,599 |
| Loan and lease loss provision to assets | 0.0853% | 3,242 |
| Net operating income to assets | 1.2347% | 1,535 |
| Return on assets (ROA) | 1.2347% | 1,655 |
| Pretax return on assets | 1.5592% | 1,304 |
| Return on Equity (ROE) | 16.1183% | 537 |
| Retained earnings to average equity (ytd only) | 16.1183% | 149 |
| Net charge-offs to loans | -0.0028% | 3,934 |
| Credit loss provision to net charge-offs | -6,450.0000% | 4,275 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.6476% | 4,450 |
| Assets per employee ($millions) | 9.2421% | 647 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8446% | 663 |
| Loan loss allowance to noncurrent loans | 357.9918% | 1,422 |
| Noncurrent assets plus other real estate owned to assets | 0.2685% | 3,094 |
| Noncurrent loans to loans | 0.5153% | 2,510 |
| Net loans and leases to total assets | 45.7212% | 4,328 |
| Net loans and leases to deposits | 52.2194% | 4,403 |
| Net loans and leases to core deposits | 53.5307% | 4,470 |
| Total domestic deposits to total assets | 87.5559% | 1,415 |
| Equity capital to assets | 8.1190% | 4,673 |
| Core capital (leverage) ratio | 7.2626% | 4,925 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0774% | 1,233 |
| Memoranda: | ||
| Average total assets | $201,716,750 | 2,904 |
| Average earning assets | $194,677,000 | 2,858 |
| Average equity | $15,452,000 | 3,613 |
| Average total loans | $95,018,250 | 3,327 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2119% | 4,711 |
| Cost of funding earning assets | 0.3723% | 4,162 |
| Net interest margin | 2.8395% | 4,401 |
| Noninterest income to average assets | 0.6492% | 1,934 |
| Noninterest expense to average assets | 1.7119% | 4,672 |
| Loan and lease loss provision to assets | 0.0984% | 3,044 |
| Net operating income to assets | 1.2506% | 1,490 |
| Return on assets (ROA) | 1.2506% | 1,608 |
| Pretax return on assets | 1.5757% | 1,275 |
| Return on Equity (ROE) | 16.6623% | 478 |
| Retained earnings to average equity (ytd only) | 16.6623% | 151 |
| Net charge-offs to loans | 0.0442% | 1,862 |
| Credit loss provision to net charge-offs | 471.4286% | 1,280 |
| Earnings coverage of net charge-offs (x) | 80.1905% | 805 |
| Efficiency ratio | 50.0294% | 4,506 |
| Assets per employee ($millions) | 9.7788% | 537 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6909% | 828 |
| Loan loss allowance to noncurrent loans | 290.5660% | 1,597 |
| Noncurrent assets plus other real estate owned to assets | 0.3121% | 3,063 |
| Noncurrent loans to loans | 0.5819% | 2,410 |
| Net loans and leases to total assets | 47.9621% | 4,257 |
| Net loans and leases to deposits | 54.7260% | 4,350 |
| Net loans and leases to core deposits | 55.9420% | 4,437 |
| Total domestic deposits to total assets | 87.6404% | 1,357 |
| Equity capital to assets | 7.7646% | 4,814 |
| Core capital (leverage) ratio | 7.0462% | 5,006 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9318% | 1,845 |
| Memoranda: | ||
| Average total assets | $201,180,333 | 2,892 |
| Average earning assets | $193,906,333 | 2,843 |
| Average equity | $15,100,000 | 3,646 |
| Average total loans | $95,121,000 | 3,313 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4002% | 4,734 |
| Cost of funding earning assets | 0.5782% | 3,543 |
| Net interest margin | 2.8221% | 4,548 |
| Noninterest income to average assets | 0.6610% | 1,800 |
| Noninterest expense to average assets | 1.7198% | 4,751 |
| Loan and lease loss provision to assets | 0.0723% | 2,830 |
| Net operating income to assets | 1.2637% | 1,346 |
| Return on assets (ROA) | 1.2637% | 1,439 |
| Pretax return on assets | 1.5852% | 1,098 |
| Return on Equity (ROE) | 17.1419% | 318 |
| Retained earnings to average equity (ytd only) | 17.1419% | 103 |
| Net charge-offs to loans | 0.0130% | 2,127 |
| Credit loss provision to net charge-offs | 1,200.0000% | 502 |
| Earnings coverage of net charge-offs (x) | 275.0000% | 258 |
| Efficiency ratio | 50.3867% | 4,643 |
| Assets per employee ($millions) | 9.2026% | 499 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7813% | 737 |
| Loan loss allowance to noncurrent loans | 299.2740% | 1,515 |
| Noncurrent assets plus other real estate owned to assets | 0.3151% | 3,176 |
| Noncurrent loans to loans | 0.5952% | 2,514 |
| Net loans and leases to total assets | 47.0495% | 4,382 |
| Net loans and leases to deposits | 53.0571% | 4,487 |
| Net loans and leases to core deposits | 54.0191% | 4,568 |
| Total domestic deposits to total assets | 88.6771% | 811 |
| Equity capital to assets | 7.8198% | 4,998 |
| Core capital (leverage) ratio | 6.9768% | 5,085 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1614% | 2,214 |
| Memoranda: | ||
| Average total assets | $199,093,500 | 2,879 |
| Average earning assets | $191,633,500 | 2,819 |
| Average equity | $14,677,500 | 3,699 |
| Average total loans | $92,588,500 | 3,351 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7678% | 4,610 |
| Cost of funding earning assets | 0.7282% | 3,026 |
| Net interest margin | 3.0396% | 4,468 |
| Noninterest income to average assets | 0.7229% | 1,734 |
| Noninterest expense to average assets | 1.9123% | 4,647 |
| Loan and lease loss provision to assets | 0.0307% | 3,400 |
| Net operating income to assets | 1.3061% | 1,665 |
| Return on assets (ROA) | 1.3061% | 1,745 |
| Pretax return on assets | 1.6987% | 1,191 |
| Return on Equity (ROE) | 16.8575% | 434 |
| Retained earnings to average equity (ytd only) | 1.3076% | 4,271 |
| Net charge-offs to loans | 0.0296% | 2,806 |
| Credit loss provision to net charge-offs | 207.4074% | 1,280 |
| Earnings coverage of net charge-offs (x) | 116.9630% | 597 |
| Efficiency ratio | 51.9699% | 4,608 |
| Assets per employee ($millions) | 9.3151% | 452 |
| Cash dividends to net income (ytd only)* | 92.2432% | 472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7451% | 728 |
| Loan loss allowance to noncurrent loans | 223.5131% | 1,927 |
| Noncurrent assets plus other real estate owned to assets | 0.3796% | 2,896 |
| Noncurrent loans to loans | 0.7808% | 1,945 |
| Net loans and leases to total assets | 44.3984% | 4,589 |
| Net loans and leases to deposits | 49.8436% | 4,693 |
| Net loans and leases to core deposits | 50.7695% | 4,736 |
| Total domestic deposits to total assets | 89.0755% | 639 |
| Equity capital to assets | 6.9501% | 5,144 |
| Core capital (leverage) ratio | 7.1060% | 5,135 |
| Tier 1 risk-based capital ratio | 12.5804% | 4,020 |
| Total risk-based capital ratio | 13.8338% | 3,903 |
| Memoranda: | ||
| Average total assets | $182,610,200 | 2,986 |
| Average earning assets | $175,352,800 | 2,930 |
| Average equity | $14,148,000 | 3,731 |
| Average total loans | $91,251,400 | 3,370 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8808% | 4,566 |
| Cost of funding earning assets | 0.7878% | 2,775 |
| Net interest margin | 3.0930% | 4,490 |
| Noninterest income to average assets | 0.7366% | 1,636 |
| Noninterest expense to average assets | 1.9657% | 4,615 |
| Loan and lease loss provision to assets | 0.0279% | 3,346 |
| Net operating income to assets | 1.3361% | 1,694 |
| Return on assets (ROA) | 1.3361% | 1,768 |
| Pretax return on assets | 1.7149% | 1,299 |
| Return on Equity (ROE) | 16.7462% | 510 |
| Retained earnings to average equity (ytd only) | 2.5865% | 4,056 |
| Net charge-offs to loans | 0.0264% | 2,564 |
| Credit loss provision to net charge-offs | 205.5556% | 1,281 |
| Earnings coverage of net charge-offs (x) | 128.5525% | 610 |
| Efficiency ratio | 52.4574% | 4,560 |
| Assets per employee ($millions) | 8.1333% | 659 |
| Cash dividends to net income (ytd only)* | 84.5548% | 551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7531% | 740 |
| Loan loss allowance to noncurrent loans | 227.1570% | 1,895 |
| Noncurrent assets plus other real estate owned to assets | 0.4259% | 2,806 |
| Noncurrent loans to loans | 0.7717% | 2,039 |
| Net loans and leases to total assets | 50.3010% | 4,411 |
| Net loans and leases to deposits | 57.5973% | 4,486 |
| Net loans and leases to core deposits | 58.6642% | 4,579 |
| Total domestic deposits to total assets | 87.3321% | 1,358 |
| Equity capital to assets | 8.0281% | 5,122 |
| Core capital (leverage) ratio | 7.3959% | 5,198 |
| Tier 1 risk-based capital ratio | 12.9810% | 3,860 |
| Total risk-based capital ratio | 14.2352% | 3,758 |
| Memoranda: | ||
| Average total assets | $177,029,500 | 3,080 |
| Average earning assets | $170,097,750 | 3,007 |
| Average equity | $14,124,250 | 3,765 |
| Average total loans | $90,913,500 | 3,419 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8332% | 4,669 |
| Cost of funding earning assets | 0.7591% | 2,848 |
| Net interest margin | 3.0741% | 4,577 |
| Noninterest income to average assets | 0.7177% | 1,642 |
| Noninterest expense to average assets | 1.9411% | 4,694 |
| Loan and lease loss provision to assets | 0.0272% | 3,275 |
| Net operating income to assets | 1.3209% | 1,693 |
| Return on assets (ROA) | 1.3209% | 1,755 |
| Pretax return on assets | 1.6973% | 1,272 |
| Return on Equity (ROE) | 16.5907% | 512 |
| Retained earnings to average equity (ytd only) | 2.3498% | 4,004 |
| Net charge-offs to loans | 0.0485% | 1,948 |
| Credit loss provision to net charge-offs | 109.0909% | 1,853 |
| Earnings coverage of net charge-offs (x) | 69.1364% | 901 |
| Efficiency ratio | 52.3972% | 4,621 |
| Assets per employee ($millions) | 6.7982% | 1,091 |
| Cash dividends to net income (ytd only)* | 85.8369% | 701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6803% | 857 |
| Loan loss allowance to noncurrent loans | 245.5951% | 1,853 |
| Noncurrent assets plus other real estate owned to assets | 0.3807% | 2,985 |
| Noncurrent loans to loans | 0.6842% | 2,266 |
| Net loans and leases to total assets | 54.7066% | 4,165 |
| Net loans and leases to deposits | 63.0495% | 4,269 |
| Net loans and leases to core deposits | 64.5985% | 4,382 |
| Total domestic deposits to total assets | 86.7676% | 1,699 |
| Equity capital to assets | 8.3805% | 5,087 |
| Core capital (leverage) ratio | 7.6890% | 5,215 |
| Tier 1 risk-based capital ratio | 12.8169% | 3,935 |
| Total risk-based capital ratio | 14.0701% | 3,836 |
| Memoranda: | ||
| Average total assets | $176,395,000 | 3,097 |
| Average earning assets | $169,152,670 | 3,034 |
| Average equity | $14,044,000 | 3,782 |
| Average total loans | $90,681,000 | 3,446 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7022% | 4,848 |
| Cost of funding earning assets | 0.7279% | 2,899 |
| Net interest margin | 2.9743% | 4,788 |
| Noninterest income to average assets | 0.6636% | 1,759 |
| Noninterest expense to average assets | 1.8350% | 4,881 |
| Loan and lease loss provision to assets | 0.0245% | 3,109 |
| Net operating income to assets | 1.2894% | 1,740 |
| Return on assets (ROA) | 1.2894% | 1,780 |
| Pretax return on assets | 1.6524% | 1,338 |
| Return on Equity (ROE) | 16.6087% | 515 |
| Retained earnings to average equity (ytd only) | 2.2661% | 3,991 |
| Net charge-offs to loans | 0.0992% | 1,148 |
| Credit loss provision to net charge-offs | 50.0000% | 1,974 |
| Earnings coverage of net charge-offs (x) | 34.2273% | 1,251 |
| Efficiency ratio | 51.6804% | 4,717 |
| Assets per employee ($millions) | 7.2654% | 891 |
| Cash dividends to net income (ytd only)* | 86.3558% | 810 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7826% | 734 |
| Loan loss allowance to noncurrent loans | 245.4829% | 1,857 |
| Noncurrent assets plus other real estate owned to assets | 0.3682% | 3,124 |
| Noncurrent loans to loans | 0.7261% | 2,207 |
| Net loans and leases to total assets | 49.7999% | 4,482 |
| Net loans and leases to deposits | 57.0933% | 4,542 |
| Net loans and leases to core deposits | 58.3744% | 4,631 |
| Total domestic deposits to total assets | 87.2254% | 1,701 |
| Equity capital to assets | 8.0507% | 5,163 |
| Core capital (leverage) ratio | 7.4328% | 5,294 |
| Tier 1 risk-based capital ratio | 13.9329% | 3,373 |
| Total risk-based capital ratio | 15.1881% | 3,290 |
| Memoranda: | ||
| Average total assets | $179,615,500 | 3,093 |
| Average earning assets | $172,004,000 | 3,032 |
| Average equity | $13,944,500 | 3,812 |
| Average total loans | $88,739,000 | 3,517 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5214% | 4,896 |
| Cost of funding earning assets | 0.4144% | 3,900 |
| Net interest margin | 3.1070% | 4,644 |
| Noninterest income to average assets | 0.7863% | 1,493 |
| Noninterest expense to average assets | 1.9299% | 4,848 |
| Loan and lease loss provision to assets | 0.0676% | 2,790 |
| Net operating income to assets | 1.4118% | 1,387 |
| Return on assets (ROA) | 1.4113% | 1,380 |
| Pretax return on assets | 1.7703% | 995 |
| Return on Equity (ROE) | 17.6869% | 420 |
| Retained earnings to average equity (ytd only) | 0.6594% | 4,819 |
| Net charge-offs to loans | 0.1029% | 1,731 |
| Credit loss provision to net charge-offs | 124.4681% | 2,107 |
| Earnings coverage of net charge-offs (x) | 33.8298% | 1,483 |
| Efficiency ratio | 50.6597% | 4,900 |
| Assets per employee ($millions) | 8.4028% | 581 |
| Cash dividends to net income (ytd only)* | 96.2720% | 325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7818% | 704 |
| Loan loss allowance to noncurrent loans | 231.6788% | 2,006 |
| Noncurrent assets plus other real estate owned to assets | 0.3705% | 3,069 |
| Noncurrent loans to loans | 0.7691% | 2,078 |
| Net loans and leases to total assets | 47.3215% | 4,681 |
| Net loans and leases to deposits | 53.3822% | 4,773 |
| Net loans and leases to core deposits | 54.3145% | 4,837 |
| Total domestic deposits to total assets | 88.6466% | 1,006 |
| Equity capital to assets | 7.4927% | 5,282 |
| Core capital (leverage) ratio | 7.5866% | 5,311 |
| Tier 1 risk-based capital ratio | 13.1232% | 3,776 |
| Total risk-based capital ratio | 14.3778% | 3,660 |
| Memoranda: | ||
| Average total assets | $172,962,000 | 3,138 |
| Average earning assets | $166,011,400 | 3,066 |
| Average equity | $13,801,200 | 3,777 |
| Average total loans | $91,390,600 | 3,453 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5054% | 4,922 |
| Cost of funding earning assets | 0.3370% | 4,261 |
| Net interest margin | 3.1684% | 4,577 |
| Noninterest income to average assets | 0.8087% | 1,443 |
| Noninterest expense to average assets | 1.9860% | 4,767 |
| Loan and lease loss provision to assets | 0.0839% | 2,287 |
| Net operating income to assets | 1.4007% | 1,492 |
| Return on assets (ROA) | 1.4001% | 1,492 |
| Pretax return on assets | 1.7836% | 1,050 |
| Return on Equity (ROE) | 17.2600% | 515 |
| Retained earnings to average equity (ytd only) | 1.3054% | 4,776 |
| Net charge-offs to loans | 0.1406% | 1,159 |
| Credit loss provision to net charge-offs | 110.3093% | 2,103 |
| Earnings coverage of net charge-offs (x) | 24.5567% | 1,808 |
| Efficiency ratio | 50.9768% | 4,883 |
| Assets per employee ($millions) | 7.5602% | 750 |
| Cash dividends to net income (ytd only)* | 92.4372% | 348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7359% | 818 |
| Loan loss allowance to noncurrent loans | 228.1159% | 2,042 |
| Noncurrent assets plus other real estate owned to assets | 0.4149% | 3,033 |
| Noncurrent loans to loans | 0.7610% | 2,184 |
| Net loans and leases to total assets | 53.5683% | 4,389 |
| Net loans and leases to deposits | 61.4687% | 4,472 |
| Net loans and leases to core deposits | 62.5725% | 4,590 |
| Total domestic deposits to total assets | 87.1474% | 1,671 |
| Equity capital to assets | 8.2874% | 5,040 |
| Core capital (leverage) ratio | 8.0680% | 5,303 |
| Tier 1 risk-based capital ratio | 13.1290% | 3,833 |
| Total risk-based capital ratio | 14.3838% | 3,737 |
| Memoranda: | ||
| Average total assets | $169,987,250 | 3,198 |
| Average earning assets | $163,400,500 | 3,123 |
| Average equity | $13,788,750 | 3,804 |
| Average total loans | $91,971,750 | 3,463 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4911% | 4,936 |
| Cost of funding earning assets | 0.2868% | 4,521 |
| Net interest margin | 3.2043% | 4,494 |
| Noninterest income to average assets | 0.8317% | 1,380 |
| Noninterest expense to average assets | 2.0057% | 4,790 |
| Loan and lease loss provision to assets | 0.1086% | 1,803 |
| Net operating income to assets | 1.4053% | 1,422 |
| Return on assets (ROA) | 1.4053% | 1,422 |
| Pretax return on assets | 1.7978% | 968 |
| Return on Equity (ROE) | 17.4470% | 482 |
| Retained earnings to average equity (ytd only) | 2.2189% | 4,390 |
| Net charge-offs to loans | 0.1493% | 1,029 |
| Credit loss provision to net charge-offs | 134.7826% | 1,687 |
| Earnings coverage of net charge-offs (x) | 23.6522% | 1,703 |
| Efficiency ratio | 50.7316% | 4,980 |
| Assets per employee ($millions) | 6.7375% | 1,051 |
| Cash dividends to net income (ytd only)* | 87.2818% | 563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7459% | 829 |
| Loan loss allowance to noncurrent loans | 284.5878% | 1,712 |
| Noncurrent assets plus other real estate owned to assets | 0.3463% | 3,370 |
| Noncurrent loans to loans | 0.6135% | 2,577 |
| Net loans and leases to total assets | 55.2672% | 4,220 |
| Net loans and leases to deposits | 61.5725% | 4,449 |
| Net loans and leases to core deposits | 62.7912% | 4,568 |
| Total domestic deposits to total assets | 89.7594% | 645 |
| Equity capital to assets | 8.5597% | 4,900 |
| Core capital (leverage) ratio | 7.7122% | 5,414 |
| Tier 1 risk-based capital ratio | 13.1685% | 3,813 |
| Total risk-based capital ratio | 14.4232% | 3,724 |
| Memoranda: | ||
| Average total assets | $171,208,330 | 3,203 |
| Average earning assets | $164,589,670 | 3,122 |
| Average equity | $13,790,330 | 3,822 |
| Average total loans | $92,405,330 | 3,472 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3456% | 5,076 |
| Cost of funding earning assets | 0.2363% | 4,792 |
| Net interest margin | 3.1093% | 4,688 |
| Noninterest income to average assets | 0.8206% | 1,389 |
| Noninterest expense to average assets | 1.9050% | 5,011 |
| Loan and lease loss provision to assets | 0.1841% | 927 |
| Net operating income to assets | 1.3526% | 1,471 |
| Return on assets (ROA) | 1.3526% | 1,482 |
| Pretax return on assets | 1.7231% | 1,058 |
| Return on Equity (ROE) | 17.2902% | 483 |
| Retained earnings to average equity (ytd only) | 1.3077% | 4,541 |
| Net charge-offs to loans | 0.2491% | 617 |
| Credit loss provision to net charge-offs | 139.6552% | 1,276 |
| Earnings coverage of net charge-offs (x) | 14.4655% | 1,709 |
| Efficiency ratio | 49.4335% | 5,114 |
| Assets per employee ($millions) | 7.4310% | 792 |
| Cash dividends to net income (ytd only)* | 92.4370% | 649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7108% | 925 |
| Loan loss allowance to noncurrent loans | 257.6299% | 1,850 |
| Noncurrent assets plus other real estate owned to assets | 0.3756% | 3,325 |
| Noncurrent loans to loans | 0.6641% | 2,560 |
| Net loans and leases to total assets | 53.3462% | 4,341 |
| Net loans and leases to deposits | 59.4966% | 4,509 |
| Net loans and leases to core deposits | 60.7246% | 4,621 |
| Total domestic deposits to total assets | 89.6625% | 805 |
| Equity capital to assets | 8.0363% | 5,255 |
| Core capital (leverage) ratio | 7.4991% | 5,512 |
| Tier 1 risk-based capital ratio | 12.3687% | 4,332 |
| Total risk-based capital ratio | 13.6227% | 4,216 |
| Memoranda: | ||
| Average total assets | $175,962,500 | 3,174 |
| Average earning assets | $169,298,000 | 3,108 |
| Average equity | $13,765,000 | 3,861 |
| Average total loans | $93,130,500 | 3,483 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1905% | 5,199 |
| Cost of funding earning assets | 0.1919% | 5,008 |
| Net interest margin | 2.9986% | 4,890 |
| Noninterest income to average assets | 0.7323% | 1,838 |
| Noninterest expense to average assets | 2.0491% | 4,881 |
| Loan and lease loss provision to assets | 0.1070% | 2,093 |
| Net operating income to assets | 0.8954% | 2,735 |
| Return on assets (ROA) | 0.8943% | 2,772 |
| Pretax return on assets | 1.4595% | 1,781 |
| Return on Equity (ROE) | 11.5187% | 1,337 |
| Retained earnings to average equity (ytd only) | 2.7648% | 3,658 |
| Net charge-offs to loans | 0.4694% | 503 |
| Credit loss provision to net charge-offs | 44.4706% | 3,393 |
| Earnings coverage of net charge-offs (x) | 6.5153% | 3,170 |
| Efficiency ratio | 56.0827% | 4,763 |
| Assets per employee ($millions) | 7.8701% | 667 |
| Cash dividends to net income (ytd only)* | 75.9975% | 976 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6727% | 991 |
| Loan loss allowance to noncurrent loans | 254.7231% | 1,894 |
| Noncurrent assets plus other real estate owned to assets | 0.3486% | 3,470 |
| Noncurrent loans to loans | 0.6567% | 2,570 |
| Net loans and leases to total assets | 50.7892% | 4,603 |
| Net loans and leases to deposits | 56.5243% | 4,771 |
| Net loans and leases to core deposits | 57.6529% | 4,866 |
| Total domestic deposits to total assets | 89.8538% | 622 |
| Equity capital to assets | 7.6210% | 5,514 |
| Core capital (leverage) ratio | 7.5853% | 5,545 |
| Tier 1 risk-based capital ratio | 11.6712% | 4,741 |
| Total risk-based capital ratio | 12.9240% | 4,627 |
| Memoranda: | ||
| Average total assets | $176,564,200 | 3,164 |
| Average earning assets | $169,878,600 | 3,078 |
| Average equity | $13,708,200 | 3,884 |
| Average total loans | $90,547,400 | 3,515 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1723% | 5,264 |
| Cost of funding earning assets | 0.1877% | 5,074 |
| Net interest margin | 2.9846% | 4,952 |
| Noninterest income to average assets | 0.7326% | 1,862 |
| Noninterest expense to average assets | 2.0761% | 4,789 |
| Loan and lease loss provision to assets | 0.0912% | 2,251 |
| Net operating income to assets | 0.9811% | 2,638 |
| Return on assets (ROA) | 0.9795% | 2,701 |
| Pretax return on assets | 1.4385% | 1,977 |
| Return on Equity (ROE) | 12.5570% | 1,168 |
| Retained earnings to average equity (ytd only) | 0.8670% | 5,015 |
| Net charge-offs to loans | 0.7215% | 260 |
| Credit loss provision to net charge-offs | 24.6914% | 3,125 |
| Earnings coverage of net charge-offs (x) | 4.1482% | 3,260 |
| Efficiency ratio | 56.9714% | 4,616 |
| Assets per employee ($millions) | 6.2467% | 1,344 |
| Cash dividends to net income (ytd only)* | 93.0956% | 399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5455% | 1,376 |
| Loan loss allowance to noncurrent loans | 191.2000% | 2,307 |
| Noncurrent assets plus other real estate owned to assets | 0.4548% | 3,213 |
| Noncurrent loans to loans | 0.8083% | 2,343 |
| Net loans and leases to total assets | 54.1613% | 4,401 |
| Net loans and leases to deposits | 61.4206% | 4,560 |
| Net loans and leases to core deposits | 62.8623% | 4,660 |
| Total domestic deposits to total assets | 88.1810% | 1,269 |
| Equity capital to assets | 8.0997% | 5,482 |
| Core capital (leverage) ratio | 7.2399% | 5,648 |
| Tier 1 risk-based capital ratio | 11.8453% | 4,734 |
| Total risk-based capital ratio | 13.0969% | 4,605 |
| Memoranda: | ||
| Average total assets | $175,452,000 | 3,204 |
| Average earning assets | $169,040,250 | 3,108 |
| Average equity | $13,686,500 | 3,927 |
| Average total loans | $89,809,500 | 3,563 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0716% | 5,372 |
| Cost of funding earning assets | 0.1600% | 5,274 |
| Net interest margin | 2.9116% | 5,076 |
| Noninterest income to average assets | 0.7000% | 1,990 |
| Noninterest expense to average assets | 2.0550% | 4,867 |
| Loan and lease loss provision to assets | 0.0326% | 3,344 |
| Net operating income to assets | 0.9645% | 2,587 |
| Return on assets (ROA) | 0.9645% | 2,642 |
| Pretax return on assets | 1.4180% | 1,942 |
| Return on Equity (ROE) | 12.5155% | 1,159 |
| Retained earnings to average equity (ytd only) | 6.6740% | 1,752 |
| Net charge-offs to loans | 0.0653% | 1,997 |
| Credit loss provision to net charge-offs | 100.0000% | 2,001 |
| Earnings coverage of net charge-offs (x) | 44.4483% | 1,171 |
| Efficiency ratio | 58.0417% | 4,585 |
| Assets per employee ($millions) | 6.2717% | 1,270 |
| Cash dividends to net income (ytd only)* | 46.6744% | 2,010 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9958% | 608 |
| Loan loss allowance to noncurrent loans | 123.5415% | 3,170 |
| Noncurrent assets plus other real estate owned to assets | 0.8394% | 2,109 |
| Noncurrent loans to loans | 1.6155% | 1,141 |
| Net loans and leases to total assets | 50.3326% | 4,686 |
| Net loans and leases to deposits | 59.9318% | 4,638 |
| Net loans and leases to core deposits | 61.2670% | 4,754 |
| Total domestic deposits to total assets | 83.9831% | 3,203 |
| Equity capital to assets | 7.9871% | 5,542 |
| Core capital (leverage) ratio | 7.5742% | 5,640 |
| Tier 1 risk-based capital ratio | 12.3226% | 4,406 |
| Total risk-based capital ratio | 13.5802% | 4,296 |
| Memoranda: | ||
| Average total assets | $177,715,670 | 3,184 |
| Average earning assets | $171,246,330 | 3,093 |
| Average equity | $13,695,000 | 3,932 |
| Average total loans | $88,818,330 | 3,601 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0142% | 5,446 |
| Cost of funding earning assets | 0.1418% | 5,426 |
| Net interest margin | 2.8724% | 5,135 |
| Noninterest income to average assets | 0.6735% | 2,071 |
| Noninterest expense to average assets | 2.0429% | 4,954 |
| Loan and lease loss provision to assets | 0.0179% | 3,338 |
| Net operating income to assets | 0.9308% | 2,611 |
| Return on assets (ROA) | 0.9308% | 2,664 |
| Pretax return on assets | 1.3783% | 1,955 |
| Return on Equity (ROE) | 12.2991% | 1,164 |
| Retained earnings to average equity (ytd only) | 0.4730% | 4,810 |
| Net charge-offs to loans | 0.1271% | 1,159 |
| Credit loss provision to net charge-offs | 28.5714% | 2,121 |
| Earnings coverage of net charge-offs (x) | 22.2857% | 1,419 |
| Efficiency ratio | 58.8159% | 4,613 |
| Assets per employee ($millions) | 6.2911% | 1,302 |
| Cash dividends to net income (ytd only)* | 96.1538% | 743 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0274% | 640 |
| Loan loss allowance to noncurrent loans | 148.2098% | 2,842 |
| Noncurrent assets plus other real estate owned to assets | 0.7583% | 2,407 |
| Noncurrent loans to loans | 1.3679% | 1,473 |
| Net loans and leases to total assets | 50.6411% | 4,619 |
| Net loans and leases to deposits | 58.5390% | 4,663 |
| Net loans and leases to core deposits | 60.1128% | 4,771 |
| Total domestic deposits to total assets | 86.5083% | 2,435 |
| Equity capital to assets | 7.9866% | 5,525 |
| Core capital (leverage) ratio | 7.1735% | 5,752 |
| Tier 1 risk-based capital ratio | 12.2064% | 4,576 |
| Total risk-based capital ratio | 13.4628% | 4,473 |
| Memoranda: | ||
| Average total assets | $178,769,500 | 3,202 |
| Average earning assets | $172,118,500 | 3,107 |
| Average equity | $13,529,500 | 3,985 |
| Average total loans | $88,133,500 | 3,642 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2542% | 5,231 |
| Cost of funding earning assets | 0.1351% | 5,518 |
| Net interest margin | 3.1191% | 4,675 |
| Noninterest income to average assets | 0.7960% | 1,755 |
| Noninterest expense to average assets | 2.1688% | 4,844 |
| Loan and lease loss provision to assets | 0.0360% | 3,644 |
| Net operating income to assets | 1.0747% | 2,015 |
| Return on assets (ROA) | 1.0751% | 2,112 |
| Pretax return on assets | 1.5862% | 1,329 |
| Return on Equity (ROE) | 13.8926% | 795 |
| Retained earnings to average equity (ytd only) | 4.1250% | 2,969 |
| Net charge-offs to loans | 0.0647% | 2,772 |
| Credit loss provision to net charge-offs | 105.0847% | 2,470 |
| Earnings coverage of net charge-offs (x) | 47.2712% | 1,046 |
| Efficiency ratio | 56.6651% | 4,996 |
| Assets per employee ($millions) | 7.2184% | 833 |
| Cash dividends to net income (ytd only)* | 70.3083% | 1,302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0346% | 615 |
| Loan loss allowance to noncurrent loans | 245.2316% | 1,934 |
| Noncurrent assets plus other real estate owned to assets | 0.4002% | 3,666 |
| Noncurrent loans to loans | 0.8297% | 2,450 |
| Net loans and leases to total assets | 46.1788% | 5,007 |
| Net loans and leases to deposits | 55.6846% | 4,928 |
| Net loans and leases to core deposits | 56.9151% | 5,016 |
| Total domestic deposits to total assets | 82.9294% | 3,792 |
| Equity capital to assets | 7.1894% | 5,779 |
| Core capital (leverage) ratio | 7.2939% | 5,777 |
| Tier 1 risk-based capital ratio | 11.9522% | 4,764 |
| Total risk-based capital ratio | 13.2088% | 4,641 |
| Memoranda: | ||
| Average total assets | $171,984,400 | 3,262 |
| Average earning assets | $165,109,800 | 3,171 |
| Average equity | $13,309,200 | 4,056 |
| Average total loans | $91,241,600 | 3,552 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3361% | 5,152 |
| Cost of funding earning assets | 0.1347% | 5,588 |
| Net interest margin | 3.2014% | 4,486 |
| Noninterest income to average assets | 0.8076% | 1,733 |
| Noninterest expense to average assets | 2.2666% | 4,609 |
| Loan and lease loss provision to assets | 0.0428% | 3,375 |
| Net operating income to assets | 1.0702% | 2,121 |
| Return on assets (ROA) | 1.0702% | 2,231 |
| Pretax return on assets | 1.5724% | 1,458 |
| Return on Equity (ROE) | 13.5609% | 906 |
| Retained earnings to average equity (ytd only) | 0.4926% | 5,231 |
| Net charge-offs to loans | 0.0348% | 2,935 |
| Credit loss provision to net charge-offs | 225.0000% | 1,308 |
| Earnings coverage of net charge-offs (x) | 84.8313% | 738 |
| Efficiency ratio | 57.8377% | 4,835 |
| Assets per employee ($millions) | 6.3543% | 1,205 |
| Cash dividends to net income (ytd only)* | 96.3678% | 440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0589% | 655 |
| Loan loss allowance to noncurrent loans | 186.4286% | 2,361 |
| Noncurrent assets plus other real estate owned to assets | 0.6125% | 3,066 |
| Noncurrent loans to loans | 1.1044% | 2,042 |
| Net loans and leases to total assets | 52.6036% | 4,603 |
| Net loans and leases to deposits | 63.2196% | 4,543 |
| Net loans and leases to core deposits | 65.2958% | 4,649 |
| Total domestic deposits to total assets | 83.2077% | 3,513 |
| Equity capital to assets | 8.0381% | 5,726 |
| Core capital (leverage) ratio | 7.3881% | 5,844 |
| Tier 1 risk-based capital ratio | 12.1720% | 4,689 |
| Total risk-based capital ratio | 13.4295% | 4,582 |
| Memoranda: | ||
| Average total assets | $168,060,750 | 3,326 |
| Average earning assets | $161,384,500 | 3,229 |
| Average equity | $13,263,250 | 4,088 |
| Average total loans | $91,935,000 | 3,553 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2973% | 5,294 |
| Cost of funding earning assets | 0.1328% | 5,667 |
| Net interest margin | 3.1644% | 4,656 |
| Noninterest income to average assets | 0.7798% | 1,810 |
| Noninterest expense to average assets | 2.2401% | 4,754 |
| Loan and lease loss provision to assets | 0.0521% | 3,104 |
| Net operating income to assets | 1.0508% | 2,166 |
| Return on assets (ROA) | 1.0508% | 2,292 |
| Pretax return on assets | 1.5325% | 1,581 |
| Return on Equity (ROE) | 13.3960% | 946 |
| Retained earnings to average equity (ytd only) | 1.3275% | 4,853 |
| Net charge-offs to loans | 0.0430% | 2,606 |
| Credit loss provision to net charge-offs | 220.0000% | 1,221 |
| Earnings coverage of net charge-offs (x) | 66.9500% | 808 |
| Efficiency ratio | 58.0136% | 4,899 |
| Assets per employee ($millions) | 6.1877% | 1,271 |
| Cash dividends to net income (ytd only)* | 90.0901% | 683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9609% | 801 |
| Loan loss allowance to noncurrent loans | 77.0305% | 4,187 |
| Noncurrent assets plus other real estate owned to assets | 1.5142% | 1,259 |
| Noncurrent loans to loans | 2.5456% | 680 |
| Net loans and leases to total assets | 56.5912% | 4,242 |
| Net loans and leases to deposits | 68.0387% | 4,179 |
| Net loans and leases to core deposits | 70.2522% | 4,306 |
| Total domestic deposits to total assets | 83.1750% | 3,583 |
| Equity capital to assets | 8.3155% | 5,690 |
| Core capital (leverage) ratio | 7.3942% | 5,895 |
| Tier 1 risk-based capital ratio | 11.6649% | 5,049 |
| Total risk-based capital ratio | 12.9212% | 4,948 |
| Memoranda: | ||
| Average total assets | $169,010,000 | 3,323 |
| Average earning assets | $162,620,000 | 3,233 |
| Average equity | $13,257,670 | 4,113 |
| Average total loans | $93,001,670 | 3,546 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2429% | 5,424 |
| Cost of funding earning assets | 0.1295% | 5,756 |
| Net interest margin | 3.1134% | 4,823 |
| Noninterest income to average assets | 0.7997% | 1,614 |
| Noninterest expense to average assets | 2.1655% | 4,988 |
| Loan and lease loss provision to assets | 0.0601% | 2,750 |
| Net operating income to assets | 1.0631% | 2,039 |
| Return on assets (ROA) | 1.0631% | 2,149 |
| Pretax return on assets | 1.5739% | 1,364 |
| Return on Equity (ROE) | 13.9420% | 844 |
| Retained earnings to average equity (ytd only) | 1.8185% | 4,534 |
| Net charge-offs to loans | 0.0129% | 2,691 |
| Credit loss provision to net charge-offs | 866.6667% | 414 |
| Earnings coverage of net charge-offs (x) | 235.6667% | 266 |
| Efficiency ratio | 56.4477% | 5,154 |
| Assets per employee ($millions) | 6.2342% | 1,254 |
| Cash dividends to net income (ytd only)* | 86.9565% | 888 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9506% | 894 |
| Loan loss allowance to noncurrent loans | 189.5833% | 2,319 |
| Noncurrent assets plus other real estate owned to assets | 0.6404% | 3,136 |
| Noncurrent loans to loans | 1.0289% | 2,326 |
| Net loans and leases to total assets | 56.4403% | 4,202 |
| Net loans and leases to deposits | 65.0319% | 4,341 |
| Net loans and leases to core deposits | 66.9607% | 4,475 |
| Total domestic deposits to total assets | 86.7887% | 2,307 |
| Equity capital to assets | 8.2067% | 5,741 |
| Core capital (leverage) ratio | 7.0974% | 5,986 |
| Tier 1 risk-based capital ratio | 11.6503% | 5,134 |
| Total risk-based capital ratio | 12.9074% | 5,047 |
| Memoranda: | ||
| Average total assets | $173,075,000 | 3,296 |
| Average earning assets | $166,762,500 | 3,192 |
| Average equity | $13,197,500 | 4,132 |
| Average total loans | $93,070,000 | 3,554 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3179% | 5,311 |
| Cost of funding earning assets | 0.1269% | 5,842 |
| Net interest margin | 3.1910% | 4,657 |
| Noninterest income to average assets | 0.8341% | 1,661 |
| Noninterest expense to average assets | 2.2237% | 4,994 |
| Loan and lease loss provision to assets | 0.0294% | 3,784 |
| Net operating income to assets | 1.1137% | 1,859 |
| Return on assets (ROA) | 1.1137% | 1,924 |
| Pretax return on assets | 1.6350% | 1,151 |
| Return on Equity (ROE) | 13.8193% | 885 |
| Retained earnings to average equity (ytd only) | 0.5022% | 5,318 |
| Net charge-offs to loans | 0.1540% | 1,833 |
| Credit loss provision to net charge-offs | 34.2857% | 3,597 |
| Earnings coverage of net charge-offs (x) | 19.3857% | 1,951 |
| Efficiency ratio | 56.6246% | 5,285 |
| Assets per employee ($millions) | 6.8171% | 952 |
| Cash dividends to net income (ytd only)* | 96.3656% | 467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9357% | 900 |
| Loan loss allowance to noncurrent loans | 228.6260% | 2,057 |
| Noncurrent assets plus other real estate owned to assets | 0.5357% | 3,499 |
| Noncurrent loans to loans | 0.8466% | 2,672 |
| Net loans and leases to total assets | 49.4616% | 4,914 |
| Net loans and leases to deposits | 58.0364% | 4,906 |
| Net loans and leases to core deposits | 59.4279% | 5,016 |
| Total domestic deposits to total assets | 85.2251% | 2,989 |
| Equity capital to assets | 7.1134% | 6,039 |
| Core capital (leverage) ratio | 7.1727% | 6,028 |
| Tier 1 risk-based capital ratio | 10.3674% | 5,835 |
| Total risk-based capital ratio | 11.6217% | 5,753 |
| Memoranda: | ||
| Average total assets | $163,058,000 | 3,390 |
| Average earning assets | $156,062,400 | 3,313 |
| Average equity | $13,141,000 | 4,110 |
| Average total loans | $90,900,800 | 3,572 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4226% | 5,155 |
| Cost of funding earning assets | 0.1299% | 5,919 |
| Net interest margin | 3.2927% | 4,385 |
| Noninterest income to average assets | 0.8618% | 1,576 |
| Noninterest expense to average assets | 2.3066% | 4,760 |
| Loan and lease loss provision to assets | 0.0372% | 3,466 |
| Net operating income to assets | 1.1364% | 1,877 |
| Return on assets (ROA) | 1.1364% | 1,948 |
| Pretax return on assets | 1.6653% | 1,198 |
| Return on Equity (ROE) | 13.6341% | 973 |
| Retained earnings to average equity (ytd only) | 0.4562% | 5,489 |
| Net charge-offs to loans | 0.1298% | 1,840 |
| Credit loss provision to net charge-offs | 50.0000% | 3,031 |
| Earnings coverage of net charge-offs (x) | 22.8978% | 1,756 |
| Efficiency ratio | 56.9652% | 5,232 |
| Assets per employee ($millions) | 5.5334% | 1,758 |
| Cash dividends to net income (ytd only)* | 96.6542% | 421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0398% | 858 |
| Loan loss allowance to noncurrent loans | 269.3431% | 1,757 |
| Noncurrent assets plus other real estate owned to assets | 0.5727% | 3,571 |
| Noncurrent loans to loans | 0.7573% | 3,067 |
| Net loans and leases to total assets | 55.2166% | 4,442 |
| Net loans and leases to deposits | 64.2748% | 4,533 |
| Net loans and leases to core deposits | 65.5806% | 4,722 |
| Total domestic deposits to total assets | 85.9070% | 2,577 |
| Equity capital to assets | 8.2383% | 5,853 |
| Core capital (leverage) ratio | 7.3845% | 6,079 |
| Tier 1 risk-based capital ratio | 11.8516% | 5,166 |
| Total risk-based capital ratio | 13.1094% | 5,086 |
| Memoranda: | ||
| Average total assets | $157,807,000 | 3,492 |
| Average earning assets | $150,835,500 | 3,418 |
| Average equity | $13,153,000 | 4,151 |
| Average total loans | $90,416,750 | 3,614 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4424% | 5,131 |
| Cost of funding earning assets | 0.1296% | 5,987 |
| Net interest margin | 3.3128% | 4,252 |
| Noninterest income to average assets | 0.8501% | 1,603 |
| Noninterest expense to average assets | 2.2712% | 4,921 |
| Loan and lease loss provision to assets | 0.0523% | 3,073 |
| Net operating income to assets | 1.1509% | 1,779 |
| Return on assets (ROA) | 1.1509% | 1,843 |
| Pretax return on assets | 1.6875% | 1,108 |
| Return on Equity (ROE) | 13.7541% | 955 |
| Retained earnings to average equity (ytd only) | 0.8073% | 5,236 |
| Net charge-offs to loans | 0.0177% | 3,345 |
| Credit loss provision to net charge-offs | 512.5000% | 616 |
| Earnings coverage of net charge-offs (x) | 170.6250% | 386 |
| Efficiency ratio | 56.0534% | 5,424 |
| Assets per employee ($millions) | 5.3394% | 1,890 |
| Cash dividends to net income (ytd only)* | 94.1307% | 623 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1492% | 793 |
| Loan loss allowance to noncurrent loans | 224.2707% | 2,054 |
| Noncurrent assets plus other real estate owned to assets | 0.6768% | 3,372 |
| Noncurrent loans to loans | 0.9583% | 2,732 |
| Net loans and leases to total assets | 56.5130% | 4,279 |
| Net loans and leases to deposits | 66.8896% | 4,238 |
| Net loans and leases to core deposits | 68.6233% | 4,447 |
| Total domestic deposits to total assets | 84.4870% | 3,353 |
| Equity capital to assets | 8.4834% | 5,701 |
| Core capital (leverage) ratio | 7.6810% | 6,042 |
| Tier 1 risk-based capital ratio | 12.5361% | 4,781 |
| Total risk-based capital ratio | 13.7947% | 4,695 |
| Memoranda: | ||
| Average total assets | $156,919,330 | 3,531 |
| Average earning assets | $149,720,330 | 3,458 |
| Average equity | $13,130,670 | 4,182 |
| Average total loans | $90,405,330 | 3,625 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3772% | 5,257 |
| Cost of funding earning assets | 0.1275% | 6,079 |
| Net interest margin | 3.2496% | 4,421 |
| Noninterest income to average assets | 0.7876% | 1,754 |
| Noninterest expense to average assets | 2.2183% | 5,099 |
| Loan and lease loss provision to assets | 0.0506% | 2,921 |
| Net operating income to assets | 1.1041% | 1,858 |
| Return on assets (ROA) | 1.1041% | 1,962 |
| Pretax return on assets | 1.6156% | 1,235 |
| Return on Equity (ROE) | 13.2846% | 1,028 |
| Retained earnings to average equity (ytd only) | 0.3352% | 5,264 |
| Net charge-offs to loans | 0.0264% | 2,641 |
| Credit loss provision to net charge-offs | 333.3333% | 749 |
| Earnings coverage of net charge-offs (x) | 109.6667% | 458 |
| Efficiency ratio | 56.5189% | 5,479 |
| Assets per employee ($millions) | 5.6044% | 1,710 |
| Cash dividends to net income (ytd only)* | 97.4771% | 716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1405% | 866 |
| Loan loss allowance to noncurrent loans | 367.3745% | 1,321 |
| Noncurrent assets plus other real estate owned to assets | 0.5143% | 3,965 |
| Noncurrent loans to loans | 0.5827% | 3,832 |
| Net loans and leases to total assets | 55.4422% | 4,264 |
| Net loans and leases to deposits | 65.2181% | 4,245 |
| Net loans and leases to core deposits | 66.4556% | 4,476 |
| Total domestic deposits to total assets | 85.0104% | 3,399 |
| Equity capital to assets | 8.4054% | 5,802 |
| Core capital (leverage) ratio | 7.5900% | 6,117 |
| Tier 1 risk-based capital ratio | 11.5178% | 5,551 |
| Total risk-based capital ratio | 12.6456% | 5,521 |
| Memoranda: | ||
| Average total assets | $157,957,000 | 3,543 |
| Average earning assets | $150,539,500 | 3,456 |
| Average equity | $13,128,000 | 4,214 |
| Average total loans | $90,893,500 | 3,628 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6392% | 4,971 |
| Cost of funding earning assets | 0.1447% | 6,129 |
| Net interest margin | 3.4946% | 3,817 |
| Noninterest income to average assets | 0.8471% | 1,691 |
| Noninterest expense to average assets | 2.3757% | 4,904 |
| Loan and lease loss provision to assets | 0.0073% | 4,484 |
| Net operating income to assets | 1.2362% | 1,477 |
| Return on assets (ROA) | 1.2326% | 1,541 |
| Pretax return on assets | 1.7869% | 818 |
| Return on Equity (ROE) | 14.1158% | 913 |
| Retained earnings to average equity (ytd only) | 1.2212% | 5,234 |
| Net charge-offs to loans | 0.2105% | 1,982 |
| Credit loss provision to net charge-offs | 5.6701% | 4,153 |
| Earnings coverage of net charge-offs (x) | 14.0052% | 2,214 |
| Efficiency ratio | 56.9004% | 5,580 |
| Assets per employee ($millions) | 5.2997% | 1,962 |
| Cash dividends to net income (ytd only)* | 91.3487% | 550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0337% | 1,050 |
| Loan loss allowance to noncurrent loans | 379.3173% | 1,336 |
| Noncurrent assets plus other real estate owned to assets | 0.4950% | 4,147 |
| Noncurrent loans to loans | 0.5362% | 4,053 |
| Net loans and leases to total assets | 57.2318% | 4,165 |
| Net loans and leases to deposits | 68.9835% | 4,032 |
| Net loans and leases to core deposits | 70.2342% | 4,307 |
| Total domestic deposits to total assets | 82.9646% | 4,090 |
| Equity capital to assets | 8.2180% | 5,951 |
| Core capital (leverage) ratio | 7.9789% | 6,013 |
| Tier 1 risk-based capital ratio | 11.6426% | 5,582 |
| Total risk-based capital ratio | 12.9011% | 5,482 |
| Memoranda: | ||
| Average total assets | $150,985,200 | 3,620 |
| Average earning assets | $143,794,000 | 3,542 |
| Average equity | $13,183,800 | 4,159 |
| Average total loans | $92,176,800 | 3,583 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6388% | 5,038 |
| Cost of funding earning assets | 0.1502% | 6,184 |
| Net interest margin | 3.4886% | 3,876 |
| Noninterest income to average assets | 0.8242% | 1,798 |
| Noninterest expense to average assets | 2.4101% | 4,793 |
| Loan and lease loss provision to assets | 0.0081% | 4,257 |
| Net operating income to assets | 1.1880% | 1,717 |
| Return on assets (ROA) | 1.1831% | 1,814 |
| Pretax return on assets | 1.7254% | 1,024 |
| Return on Equity (ROE) | 13.3398% | 1,132 |
| Retained earnings to average equity (ytd only) | 9.3035% | 894 |
| Net charge-offs to loans | 0.0942% | 2,866 |
| Credit loss provision to net charge-offs | 13.8462% | 3,652 |
| Earnings coverage of net charge-offs (x) | 29.9246% | 1,373 |
| Efficiency ratio | 58.0638% | 5,435 |
| Assets per employee ($millions) | 4.9711% | 2,277 |
| Cash dividends to net income (ytd only)* | 30.2572% | 2,788 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1414% | 1,033 |
| Loan loss allowance to noncurrent loans | 141.9718% | 2,859 |
| Noncurrent assets plus other real estate owned to assets | 1.0939% | 2,769 |
| Noncurrent loans to loans | 1.5083% | 2,149 |
| Net loans and leases to total assets | 63.9066% | 3,185 |
| Net loans and leases to deposits | 77.9209% | 2,962 |
| Net loans and leases to core deposits | 79.0508% | 3,433 |
| Total domestic deposits to total assets | 82.0147% | 4,470 |
| Equity capital to assets | 9.5802% | 4,694 |
| Core capital (leverage) ratio | 8.8173% | 5,315 |
| Tier 1 risk-based capital ratio | 12.7817% | 4,988 |
| Total risk-based capital ratio | 14.0410% | 4,894 |
| Memoranda: | ||
| Average total assets | $148,983,500 | 3,675 |
| Average earning assets | $142,057,250 | 3,599 |
| Average equity | $13,213,250 | 4,179 |
| Average total loans | $92,000,250 | 3,621 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5867% | 5,182 |
| Cost of funding earning assets | 0.1562% | 6,230 |
| Net interest margin | 3.4305% | 4,057 |
| Noninterest income to average assets | 0.7929% | 1,861 |
| Noninterest expense to average assets | 2.3255% | 5,094 |
| Loan and lease loss provision to assets | 0.0053% | 4,125 |
| Net operating income to assets | 1.1826% | 1,645 |
| Return on assets (ROA) | 1.1754% | 1,742 |
| Pretax return on assets | 1.7172% | 983 |
| Return on Equity (ROE) | 13.6007% | 1,032 |
| Retained earnings to average equity (ytd only) | 7.4535% | 1,538 |
| Net charge-offs to loans | 0.1315% | 2,349 |
| Credit loss provision to net charge-offs | 6.6667% | 3,340 |
| Earnings coverage of net charge-offs (x) | 21.7500% | 1,531 |
| Efficiency ratio | 57.2971% | 5,631 |
| Assets per employee ($millions) | 4.8255% | 2,437 |
| Cash dividends to net income (ytd only)* | 45.1977% | 2,151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2176% | 999 |
| Loan loss allowance to noncurrent loans | 226.0090% | 1,928 |
| Noncurrent assets plus other real estate owned to assets | 0.7281% | 3,793 |
| Noncurrent loans to loans | 0.9812% | 3,273 |
| Net loans and leases to total assets | 61.4050% | 3,502 |
| Net loans and leases to deposits | 73.2884% | 3,420 |
| Net loans and leases to core deposits | 73.9106% | 3,850 |
| Total domestic deposits to total assets | 83.7854% | 4,000 |
| Equity capital to assets | 9.2571% | 5,024 |
| Core capital (leverage) ratio | 8.2495% | 5,888 |
| Tier 1 risk-based capital ratio | 12.4593% | 5,252 |
| Total risk-based capital ratio | 13.7192% | 5,169 |
| Memoranda: | ||
| Average total assets | $150,590,670 | 3,670 |
| Average earning assets | $143,362,670 | 3,603 |
| Average equity | $13,014,000 | 4,217 |
| Average total loans | $91,285,330 | 3,660 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4555% | 5,527 |
| Cost of funding earning assets | 0.1617% | 6,286 |
| Net interest margin | 3.2938% | 4,565 |
| Noninterest income to average assets | 0.6749% | 2,321 |
| Noninterest expense to average assets | 2.2019% | 5,459 |
| Loan and lease loss provision to assets | 0.0052% | 3,752 |
| Net operating income to assets | 1.1049% | 1,800 |
| Return on assets (ROA) | 1.1049% | 1,856 |
| Pretax return on assets | 1.6000% | 1,174 |
| Return on Equity (ROE) | 13.2288% | 1,103 |
| Retained earnings to average equity (ytd only) | 0.7488% | 5,288 |
| Net charge-offs to loans | 0.0481% | 2,710 |
| Credit loss provision to net charge-offs | 18.1818% | 2,525 |
| Earnings coverage of net charge-offs (x) | 56.0000% | 695 |
| Efficiency ratio | 57.8371% | 5,665 |
| Assets per employee ($millions) | 5.4978% | 1,712 |
| Cash dividends to net income (ytd only)* | 94.3396% | 762 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3023% | 1,027 |
| Loan loss allowance to noncurrent loans | 221.5897% | 1,926 |
| Noncurrent assets plus other real estate owned to assets | 0.7152% | 3,971 |
| Noncurrent loans to loans | 1.0390% | 3,345 |
| Net loans and leases to total assets | 56.8687% | 4,029 |
| Net loans and leases to deposits | 68.5598% | 3,790 |
| Net loans and leases to core deposits | 69.1103% | 4,190 |
| Total domestic deposits to total assets | 82.9476% | 4,620 |
| Equity capital to assets | 8.3170% | 5,811 |
| Core capital (leverage) ratio | 7.7723% | 6,234 |
| Tier 1 risk-based capital ratio | 12.5277% | 5,299 |
| Total risk-based capital ratio | 13.7889% | 5,227 |
| Memoranda: | ||
| Average total assets | $153,503,500 | 3,656 |
| Average earning assets | $145,969,500 | 3,590 |
| Average equity | $12,820,500 | 4,270 |
| Average total loans | $91,473,500 | 3,674 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5428% | 5,552 |
| Cost of funding earning assets | 0.2319% | 6,082 |
| Net interest margin | 3.3109% | 4,625 |
| Noninterest income to average assets | 0.8821% | 1,744 |
| Noninterest expense to average assets | 2.2896% | 5,412 |
| Loan and lease loss provision to assets | 0.0720% | 3,671 |
| Net operating income to assets | 1.1285% | 1,837 |
| Return on assets (ROA) | 1.1532% | 1,813 |
| Pretax return on assets | 1.7059% | 936 |
| Return on Equity (ROE) | 13.8239% | 989 |
| Retained earnings to average equity (ytd only) | 1.7727% | 4,971 |
| Net charge-offs to loans | -0.1201% | 6,521 |
| Credit loss provision to net charge-offs | -101.8349% | 5,885 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.7981% | 5,873 |
| Assets per employee ($millions) | 5.2783% | 1,879 |
| Cash dividends to net income (ytd only)* | 87.1766% | 722 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2198% | 1,153 |
| Loan loss allowance to noncurrent loans | 229.2035% | 1,879 |
| Noncurrent assets plus other real estate owned to assets | 0.7127% | 4,112 |
| Noncurrent loans to loans | 0.9685% | 3,582 |
| Net loans and leases to total assets | 59.6263% | 3,782 |
| Net loans and leases to deposits | 75.1837% | 3,068 |
| Net loans and leases to core deposits | 76.0077% | 3,610 |
| Total domestic deposits to total assets | 79.3075% | 5,602 |
| Equity capital to assets | 8.3870% | 5,708 |
| Core capital (leverage) ratio | 7.8176% | 6,234 |
| Tier 1 risk-based capital ratio | 12.3445% | 5,398 |
| Total risk-based capital ratio | 13.6054% | 5,316 |
| Memoranda: | ||
| Average total assets | $154,173,600 | 3,637 |
| Average earning assets | $146,637,400 | 3,563 |
| Average equity | $12,861,800 | 4,291 |
| Average total loans | $90,724,800 | 3,674 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5395% | 5,598 |
| Cost of funding earning assets | 0.2457% | 6,117 |
| Net interest margin | 3.2938% | 4,663 |
| Noninterest income to average assets | 0.8805% | 1,819 |
| Noninterest expense to average assets | 2.3273% | 5,250 |
| Loan and lease loss provision to assets | 0.0898% | 3,263 |
| Net operating income to assets | 1.0868% | 2,058 |
| Return on assets (ROA) | 1.1196% | 2,004 |
| Pretax return on assets | 1.6480% | 1,224 |
| Return on Equity (ROE) | 13.4389% | 1,129 |
| Retained earnings to average equity (ytd only) | 1.5232% | 5,369 |
| Net charge-offs to loans | 0.0459% | 4,254 |
| Credit loss provision to net charge-offs | 335.4839% | 765 |
| Earnings coverage of net charge-offs (x) | 63.1326% | 727 |
| Efficiency ratio | 57.9411% | 5,693 |
| Assets per employee ($millions) | 5.2626% | 1,879 |
| Cash dividends to net income (ytd only)* | 88.6664% | 592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1303% | 1,445 |
| Loan loss allowance to noncurrent loans | 195.6301% | 2,022 |
| Noncurrent assets plus other real estate owned to assets | 0.7673% | 4,190 |
| Noncurrent loans to loans | 1.0889% | 3,615 |
| Net loans and leases to total assets | 57.9488% | 4,018 |
| Net loans and leases to deposits | 73.0536% | 3,395 |
| Net loans and leases to core deposits | 73.7297% | 3,882 |
| Total domestic deposits to total assets | 79.3237% | 5,670 |
| Equity capital to assets | 8.3773% | 5,856 |
| Core capital (leverage) ratio | 7.7608% | 6,349 |
| Tier 1 risk-based capital ratio | 12.9080% | 5,189 |
| Total risk-based capital ratio | 14.1686% | 5,120 |
| Memoranda: | ||
| Average total assets | $154,449,500 | 3,667 |
| Average earning assets | $147,059,000 | 3,589 |
| Average equity | $12,867,750 | 4,336 |
| Average total loans | $90,070,500 | 3,715 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5701% | 5,525 |
| Cost of funding earning assets | 0.2559% | 6,132 |
| Net interest margin | 3.3142% | 4,516 |
| Noninterest income to average assets | 0.8900% | 1,847 |
| Noninterest expense to average assets | 2.3346% | 5,262 |
| Loan and lease loss provision to assets | 0.1316% | 2,674 |
| Net operating income to assets | 1.0750% | 2,014 |
| Return on assets (ROA) | 1.1092% | 2,015 |
| Pretax return on assets | 1.6316% | 1,270 |
| Return on Equity (ROE) | 13.3382% | 1,161 |
| Retained earnings to average equity (ytd only) | 1.7060% | 5,159 |
| Net charge-offs to loans | 0.0711% | 3,694 |
| Credit loss provision to net charge-offs | 318.7500% | 813 |
| Earnings coverage of net charge-offs (x) | 41.5000% | 908 |
| Efficiency ratio | 57.6801% | 5,782 |
| Assets per employee ($millions) | 5.2253% | 1,867 |
| Cash dividends to net income (ytd only)* | 87.2093% | 743 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1943% | 1,433 |
| Loan loss allowance to noncurrent loans | 214.7486% | 1,874 |
| Noncurrent assets plus other real estate owned to assets | 0.8585% | 4,097 |
| Noncurrent loans to loans | 1.0218% | 3,892 |
| Net loans and leases to total assets | 56.5328% | 4,208 |
| Net loans and leases to deposits | 69.1114% | 3,841 |
| Net loans and leases to core deposits | 70.4968% | 4,217 |
| Total domestic deposits to total assets | 81.7996% | 5,113 |
| Equity capital to assets | 8.4614% | 5,808 |
| Core capital (leverage) ratio | 7.9086% | 6,248 |
| Tier 1 risk-based capital ratio | 13.2826% | 4,932 |
| Total risk-based capital ratio | 14.5443% | 4,870 |
| Memoranda: | ||
| Average total assets | $155,061,330 | 3,688 |
| Average earning assets | $147,727,670 | 3,600 |
| Average equity | $12,895,330 | 4,358 |
| Average total loans | $89,973,000 | 3,725 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6154% | 5,411 |
| Cost of funding earning assets | 0.2607% | 6,214 |
| Net interest margin | 3.3547% | 4,293 |
| Noninterest income to average assets | 0.7805% | 2,210 |
| Noninterest expense to average assets | 2.2930% | 5,446 |
| Loan and lease loss provision to assets | 0.1505% | 2,360 |
| Net operating income to assets | 1.0381% | 2,081 |
| Return on assets (ROA) | 1.0381% | 2,189 |
| Pretax return on assets | 1.5202% | 1,514 |
| Return on Equity (ROE) | 12.5889% | 1,270 |
| Retained earnings to average equity (ytd only) | 0.2165% | 5,712 |
| Net charge-offs to loans | 0.0746% | 3,102 |
| Credit loss provision to net charge-offs | 347.0588% | 708 |
| Earnings coverage of net charge-offs (x) | 38.5294% | 818 |
| Efficiency ratio | 57.8507% | 5,866 |
| Assets per employee ($millions) | 5.2796% | 1,885 |
| Cash dividends to net income (ytd only)* | 98.2801% | 665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1343% | 1,721 |
| Loan loss allowance to noncurrent loans | 214.4960% | 1,778 |
| Noncurrent assets plus other real estate owned to assets | 0.8001% | 4,371 |
| Noncurrent loans to loans | 0.9950% | 4,138 |
| Net loans and leases to total assets | 56.7230% | 3,973 |
| Net loans and leases to deposits | 70.1989% | 3,446 |
| Net loans and leases to core deposits | 71.3770% | 3,901 |
| Total domestic deposits to total assets | 80.8032% | 5,548 |
| Equity capital to assets | 8.4417% | 6,066 |
| Core capital (leverage) ratio | 7.5723% | 6,437 |
| Tier 1 risk-based capital ratio | 13.4997% | 4,872 |
| Total risk-based capital ratio | 14.7620% | 4,824 |
| Memoranda: | ||
| Average total assets | $156,824,500 | 3,695 |
| Average earning assets | $148,806,000 | 3,613 |
| Average equity | $12,932,000 | 4,392 |
| Average total loans | $91,165,000 | 3,717 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7703% | 5,901 |
| Cost of funding earning assets | 0.2990% | 6,456 |
| Net interest margin | 3.4713% | 4,620 |
| Noninterest income to average assets | 0.9794% | 1,598 |
| Noninterest expense to average assets | 2.1926% | 5,940 |
| Loan and lease loss provision to assets | 0.2821% | 2,397 |
| Net operating income to assets | 1.2221% | 1,527 |
| Return on assets (ROA) | 1.2221% | 1,696 |
| Pretax return on assets | 1.8085% | 906 |
| Return on Equity (ROE) | 14.9585% | 816 |
| Retained earnings to average equity (ytd only) | 0.7991% | 5,464 |
| Net charge-offs to loans | 0.4531% | 2,420 |
| Credit loss provision to net charge-offs | 107.4879% | 2,752 |
| Earnings coverage of net charge-offs (x) | 7.9662% | 2,503 |
| Efficiency ratio | 51.1914% | 6,509 |
| Assets per employee ($millions) | 5.5359% | 1,656 |
| Cash dividends to net income (ytd only)* | 94.6577% | 598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9789% | 2,074 |
| Loan loss allowance to noncurrent loans | 126.0722% | 2,730 |
| Noncurrent assets plus other real estate owned to assets | 1.0845% | 3,846 |
| Noncurrent loans to loans | 1.5696% | 3,267 |
| Net loans and leases to total assets | 57.1421% | 4,104 |
| Net loans and leases to deposits | 71.5731% | 3,487 |
| Net loans and leases to core deposits | 73.1716% | 3,896 |
| Total domestic deposits to total assets | 79.8374% | 5,708 |
| Equity capital to assets | 8.0597% | 6,377 |
| Core capital (leverage) ratio | 7.5482% | 6,476 |
| Tier 1 risk-based capital ratio | 12.2922% | 5,604 |
| Total risk-based capital ratio | 13.5511% | 5,553 |
| Memoranda: | ||
| Average total assets | $157,755,000 | 3,657 |
| Average earning assets | $150,146,800 | 3,549 |
| Average equity | $12,889,000 | 4,383 |
| Average total loans | $91,376,400 | 3,712 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8099% | 6,002 |
| Cost of funding earning assets | 0.3069% | 6,582 |
| Net interest margin | 3.5030% | 4,630 |
| Noninterest income to average assets | 0.9737% | 1,587 |
| Noninterest expense to average assets | 2.2301% | 5,884 |
| Loan and lease loss provision to assets | 0.2776% | 2,350 |
| Net operating income to assets | 1.2241% | 1,656 |
| Return on assets (ROA) | 1.2241% | 1,829 |
| Pretax return on assets | 1.8090% | 1,026 |
| Return on Equity (ROE) | 14.9312% | 918 |
| Retained earnings to average equity (ytd only) | 0.6937% | 5,876 |
| Net charge-offs to loans | 0.4595% | 2,263 |
| Credit loss provision to net charge-offs | 104.4728% | 2,823 |
| Earnings coverage of net charge-offs (x) | 7.8531% | 2,540 |
| Efficiency ratio | 51.6618% | 6,480 |
| Assets per employee ($millions) | 5.5496% | 1,591 |
| Cash dividends to net income (ytd only)* | 95.3537% | 387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9705% | 2,259 |
| Loan loss allowance to noncurrent loans | 116.0658% | 2,856 |
| Noncurrent assets plus other real estate owned to assets | 1.1925% | 3,901 |
| Noncurrent loans to loans | 1.6978% | 3,242 |
| Net loans and leases to total assets | 58.7474% | 4,000 |
| Net loans and leases to deposits | 76.8260% | 2,852 |
| Net loans and leases to core deposits | 78.5373% | 3,385 |
| Total domestic deposits to total assets | 76.4681% | 6,321 |
| Equity capital to assets | 8.3346% | 6,394 |
| Core capital (leverage) ratio | 7.5423% | 6,594 |
| Tier 1 risk-based capital ratio | 12.4879% | 5,654 |
| Total risk-based capital ratio | 13.7472% | 5,606 |
| Memoranda: | ||
| Average total assets | $157,058,750 | 3,701 |
| Average earning assets | $149,886,750 | 3,587 |
| Average equity | $12,876,500 | 4,419 |
| Average total loans | $90,823,500 | 3,767 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8071% | 6,123 |
| Cost of funding earning assets | 0.3128% | 6,678 |
| Net interest margin | 3.4943% | 4,690 |
| Noninterest income to average assets | 1.0367% | 1,360 |
| Noninterest expense to average assets | 2.2346% | 5,913 |
| Loan and lease loss provision to assets | 0.3172% | 2,081 |
| Net operating income to assets | 1.2296% | 1,612 |
| Return on assets (ROA) | 1.2296% | 1,803 |
| Pretax return on assets | 1.8158% | 1,008 |
| Return on Equity (ROE) | 15.0798% | 927 |
| Retained earnings to average equity (ytd only) | 0.6847% | 5,785 |
| Net charge-offs to loans | 0.6640% | 1,658 |
| Credit loss provision to net charge-offs | 83.6120% | 3,224 |
| Earnings coverage of net charge-offs (x) | 5.6221% | 2,795 |
| Efficiency ratio | 51.1621% | 6,566 |
| Assets per employee ($millions) | 5.5904% | 1,541 |
| Cash dividends to net income (ytd only)* | 95.4592% | 505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9188% | 2,485 |
| Loan loss allowance to noncurrent loans | 120.9556% | 2,705 |
| Noncurrent assets plus other real estate owned to assets | 1.0752% | 4,233 |
| Noncurrent loans to loans | 1.5864% | 3,528 |
| Net loans and leases to total assets | 57.8652% | 4,183 |
| Net loans and leases to deposits | 76.7335% | 2,881 |
| Net loans and leases to core deposits | 78.5897% | 3,437 |
| Total domestic deposits to total assets | 75.4106% | 6,540 |
| Equity capital to assets | 8.2501% | 6,413 |
| Core capital (leverage) ratio | 7.4614% | 6,638 |
| Tier 1 risk-based capital ratio | 12.5409% | 5,541 |
| Total risk-based capital ratio | 13.7993% | 5,512 |
| Memoranda: | ||
| Average total assets | $157,615,330 | 3,705 |
| Average earning assets | $150,244,670 | 3,596 |
| Average equity | $12,851,670 | 4,423 |
| Average total loans | $90,057,330 | 3,802 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7998% | 6,243 |
| Cost of funding earning assets | 0.3169% | 6,787 |
| Net interest margin | 3.4829% | 4,781 |
| Noninterest income to average assets | 0.8599% | 1,907 |
| Noninterest expense to average assets | 2.2636% | 5,869 |
| Loan and lease loss provision to assets | 0.1593% | 3,388 |
| Net operating income to assets | 1.1912% | 1,763 |
| Return on assets (ROA) | 1.1912% | 1,948 |
| Pretax return on assets | 1.7451% | 1,209 |
| Return on Equity (ROE) | 14.6952% | 1,044 |
| Retained earnings to average equity (ytd only) | -0.1248% | 6,009 |
| Net charge-offs to loans | 1.3272% | 767 |
| Credit loss provision to net charge-offs | 21.3559% | 3,755 |
| Earnings coverage of net charge-offs (x) | 2.5525% | 3,148 |
| Efficiency ratio | 54.3083% | 6,314 |
| Assets per employee ($millions) | 5.5633% | 1,646 |
| Cash dividends to net income (ytd only)* | 100.8493% | 537 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8155% | 2,938 |
| Loan loss allowance to noncurrent loans | 93.6358% | 3,232 |
| Noncurrent assets plus other real estate owned to assets | 1.2911% | 3,984 |
| Noncurrent loans to loans | 1.9389% | 3,238 |
| Net loans and leases to total assets | 53.2662% | 4,841 |
| Net loans and leases to deposits | 70.6283% | 3,632 |
| Net loans and leases to core deposits | 72.6752% | 4,060 |
| Total domestic deposits to total assets | 75.4176% | 6,598 |
| Equity capital to assets | 7.9567% | 6,547 |
| Core capital (leverage) ratio | 7.5176% | 6,620 |
| Tier 1 risk-based capital ratio | 13.0919% | 5,138 |
| Total risk-based capital ratio | 14.3489% | 5,103 |
| Memoranda: | ||
| Average total assets | $158,157,500 | 3,717 |
| Average earning assets | $150,219,000 | 3,617 |
| Average equity | $12,820,500 | 4,435 |
| Average total loans | $88,911,500 | 3,854 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1620% | 6,159 |
| Cost of funding earning assets | 0.4126% | 6,856 |
| Net interest margin | 3.7494% | 4,083 |
| Noninterest income to average assets | 0.9094% | 1,644 |
| Noninterest expense to average assets | 2.3622% | 5,873 |
| Loan and lease loss provision to assets | 0.1509% | 4,735 |
| Net operating income to assets | 1.3202% | 1,196 |
| Return on assets (ROA) | 1.3189% | 1,293 |
| Pretax return on assets | 1.9599% | 575 |
| Return on Equity (ROE) | 16.2830% | 565 |
| Retained earnings to average equity (ytd only) | 5.3466% | 2,414 |
| Net charge-offs to loans | 0.2512% | 4,205 |
| Credit loss provision to net charge-offs | 103.6036% | 3,331 |
| Earnings coverage of net charge-offs (x) | 14.5045% | 1,454 |
| Efficiency ratio | 52.7859% | 6,635 |
| Assets per employee ($millions) | 5.3441% | 1,785 |
| Cash dividends to net income (ytd only)* | 67.1642% | 1,262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0167% | 2,225 |
| Loan loss allowance to noncurrent loans | 139.4334% | 2,285 |
| Noncurrent assets plus other real estate owned to assets | 1.1408% | 4,335 |
| Noncurrent loans to loans | 1.4463% | 4,000 |
| Net loans and leases to total assets | 57.0887% | 4,530 |
| Net loans and leases to deposits | 72.7180% | 3,706 |
| Net loans and leases to core deposits | 75.1727% | 4,081 |
| Total domestic deposits to total assets | 78.5069% | 6,091 |
| Equity capital to assets | 8.2617% | 6,379 |
| Core capital (leverage) ratio | 7.5362% | 6,630 |
| Tier 1 risk-based capital ratio | 12.3391% | 5,587 |
| Total risk-based capital ratio | 13.5982% | 5,551 |
| Memoranda: | ||
| Average total assets | $152,402,200 | 3,758 |
| Average earning assets | $144,930,400 | 3,660 |
| Average equity | $12,344,200 | 4,469 |
| Average total loans | $88,377,800 | 3,899 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1868% | 6,241 |
| Cost of funding earning assets | 0.4297% | 6,943 |
| Net interest margin | 3.7572% | 4,078 |
| Noninterest income to average assets | 0.9014% | 1,648 |
| Noninterest expense to average assets | 2.3985% | 5,770 |
| Loan and lease loss provision to assets | 0.1177% | 4,966 |
| Net operating income to assets | 1.3223% | 1,319 |
| Return on assets (ROA) | 1.3205% | 1,411 |
| Pretax return on assets | 1.9627% | 678 |
| Return on Equity (ROE) | 16.3865% | 625 |
| Retained earnings to average equity (ytd only) | 7.1193% | 1,906 |
| Net charge-offs to loans | 0.1790% | 4,371 |
| Credit loss provision to net charge-offs | 113.5593% | 2,878 |
| Earnings coverage of net charge-offs (x) | 20.0931% | 1,236 |
| Efficiency ratio | 53.5189% | 6,542 |
| Assets per employee ($millions) | 5.1939% | 1,938 |
| Cash dividends to net income (ytd only)* | 56.5538% | 1,337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0182% | 2,286 |
| Loan loss allowance to noncurrent loans | 163.0125% | 1,878 |
| Noncurrent assets plus other real estate owned to assets | 0.9479% | 4,855 |
| Noncurrent loans to loans | 1.2380% | 4,471 |
| Net loans and leases to total assets | 56.9883% | 4,688 |
| Net loans and leases to deposits | 75.4315% | 3,427 |
| Net loans and leases to core deposits | 77.8172% | 3,935 |
| Total domestic deposits to total assets | 75.5497% | 6,584 |
| Equity capital to assets | 8.2019% | 6,560 |
| Core capital (leverage) ratio | 7.4013% | 6,810 |
| Tier 1 risk-based capital ratio | 12.6545% | 5,361 |
| Total risk-based capital ratio | 13.9136% | 5,339 |
| Memoranda: | ||
| Average total assets | $151,757,750 | 3,797 |
| Average earning assets | $144,609,250 | 3,688 |
| Average equity | $12,229,250 | 4,507 |
| Average total loans | $87,898,000 | 3,951 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2106% | 6,261 |
| Cost of funding earning assets | 0.4554% | 6,989 |
| Net interest margin | 3.7551% | 4,010 |
| Noninterest income to average assets | 0.9242% | 1,564 |
| Noninterest expense to average assets | 2.4574% | 5,670 |
| Loan and lease loss provision to assets | 0.1157% | 4,834 |
| Net operating income to assets | 1.2978% | 1,325 |
| Return on assets (ROA) | 1.2952% | 1,406 |
| Pretax return on assets | 1.9215% | 674 |
| Return on Equity (ROE) | 16.1718% | 651 |
| Retained earnings to average equity (ytd only) | 5.3795% | 2,753 |
| Net charge-offs to loans | 0.1908% | 4,012 |
| Credit loss provision to net charge-offs | 104.8193% | 2,946 |
| Earnings coverage of net charge-offs (x) | 18.4940% | 1,256 |
| Efficiency ratio | 54.6261% | 6,556 |
| Assets per employee ($millions) | 5.1691% | 1,911 |
| Cash dividends to net income (ytd only)* | 66.7351% | 1,126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0778% | 2,169 |
| Loan loss allowance to noncurrent loans | 179.3682% | 1,681 |
| Noncurrent assets plus other real estate owned to assets | 0.8448% | 5,184 |
| Noncurrent loans to loans | 1.1584% | 4,724 |
| Net loans and leases to total assets | 55.2204% | 5,119 |
| Net loans and leases to deposits | 73.1110% | 3,930 |
| Net loans and leases to core deposits | 75.6059% | 4,367 |
| Total domestic deposits to total assets | 75.5296% | 6,669 |
| Equity capital to assets | 7.9775% | 6,697 |
| Core capital (leverage) ratio | 7.2456% | 6,896 |
| Tier 1 risk-based capital ratio | 11.2990% | 6,321 |
| Total risk-based capital ratio | 12.5563% | 6,308 |
| Memoranda: | ||
| Average total assets | $150,404,330 | 3,839 |
| Average earning assets | $143,163,670 | 3,739 |
| Average equity | $12,045,670 | 4,549 |
| Average total loans | $86,988,330 | 4,019 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2374% | 6,184 |
| Cost of funding earning assets | 0.4841% | 7,030 |
| Net interest margin | 3.7533% | 3,828 |
| Noninterest income to average assets | 0.8888% | 1,699 |
| Noninterest expense to average assets | 2.5123% | 5,513 |
| Loan and lease loss provision to assets | 0.0973% | 4,797 |
| Net operating income to assets | 1.2427% | 1,408 |
| Return on assets (ROA) | 1.2427% | 1,462 |
| Pretax return on assets | 1.8397% | 753 |
| Return on Equity (ROE) | 15.4843% | 742 |
| Retained earnings to average equity (ytd only) | 0.3366% | 5,676 |
| Net charge-offs to loans | 0.2997% | 2,847 |
| Credit loss provision to net charge-offs | 55.3846% | 3,646 |
| Earnings coverage of net charge-offs (x) | 11.0308% | 1,587 |
| Efficiency ratio | 56.4663% | 6,449 |
| Assets per employee ($millions) | 4.9562% | 2,229 |
| Cash dividends to net income (ytd only)* | 97.8261% | 615 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1083% | 2,171 |
| Loan loss allowance to noncurrent loans | 114.4323% | 2,533 |
| Noncurrent assets plus other real estate owned to assets | 1.0633% | 4,801 |
| Noncurrent loans to loans | 1.8424% | 3,769 |
| Net loans and leases to total assets | 55.7107% | 5,045 |
| Net loans and leases to deposits | 71.4203% | 4,150 |
| Net loans and leases to core deposits | 73.4168% | 4,604 |
| Total domestic deposits to total assets | 78.0040% | 6,383 |
| Equity capital to assets | 7.9833% | 6,519 |
| Core capital (leverage) ratio | 7.3864% | 6,802 |
| Tier 1 risk-based capital ratio | 11.2104% | 6,340 |
| Total risk-based capital ratio | 12.4680% | 6,304 |
| Memoranda: | ||
| Average total assets | $148,070,000 | 3,908 |
| Average earning assets | $140,463,000 | 3,811 |
| Average equity | $11,883,000 | 4,581 |
| Average total loans | $86,758,000 | 4,055 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6077% | 6,089 |
| Cost of funding earning assets | 0.6716% | 6,955 |
| Net interest margin | 3.9362% | 3,317 |
| Noninterest income to average assets | 0.9623% | 1,634 |
| Noninterest expense to average assets | 2.4383% | 5,981 |
| Loan and lease loss provision to assets | 0.1911% | 5,318 |
| Net operating income to assets | 1.3492% | 1,055 |
| Return on assets (ROA) | 1.3492% | 1,134 |
| Pretax return on assets | 2.0269% | 455 |
| Return on Equity (ROE) | 16.7802% | 499 |
| Retained earnings to average equity (ytd only) | 4.9810% | 2,417 |
| Net charge-offs to loans | 0.1513% | 5,444 |
| Credit loss provision to net charge-offs | 212.0301% | 1,443 |
| Earnings coverage of net charge-offs (x) | 24.6090% | 858 |
| Efficiency ratio | 52.3650% | 6,958 |
| Assets per employee ($millions) | 5.0846% | 2,034 |
| Cash dividends to net income (ytd only)* | 70.3164% | 1,195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0394% | 2,207 |
| Loan loss allowance to noncurrent loans | 132.7233% | 2,219 |
| Noncurrent assets plus other real estate owned to assets | 0.9990% | 5,006 |
| Noncurrent loans to loans | 1.5366% | 4,189 |
| Net loans and leases to total assets | 59.0591% | 4,835 |
| Net loans and leases to deposits | 77.7177% | 3,555 |
| Net loans and leases to core deposits | 80.4927% | 4,138 |
| Total domestic deposits to total assets | 75.9918% | 6,636 |
| Equity capital to assets | 8.0676% | 6,422 |
| Core capital (leverage) ratio | 7.3999% | 6,786 |
| Tier 1 risk-based capital ratio | 10.7587% | 6,523 |
| Total risk-based capital ratio | 12.0155% | 6,484 |
| Memoranda: | ||
| Average total assets | $147,564,600 | 3,916 |
| Average earning assets | $138,485,200 | 3,844 |
| Average equity | $11,865,200 | 4,645 |
| Average total loans | $87,884,200 | 4,105 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6465% | 6,206 |
| Cost of funding earning assets | 0.7163% | 7,022 |
| Net interest margin | 3.9301% | 3,405 |
| Noninterest income to average assets | 0.9070% | 1,773 |
| Noninterest expense to average assets | 2.5177% | 5,647 |
| Loan and lease loss provision to assets | 0.1256% | 5,772 |
| Net operating income to assets | 1.2981% | 1,340 |
| Return on assets (ROA) | 1.2981% | 1,410 |
| Pretax return on assets | 1.9513% | 702 |
| Return on Equity (ROE) | 16.1581% | 684 |
| Retained earnings to average equity (ytd only) | 9.4115% | 929 |
| Net charge-offs to loans | -0.0243% | 7,377 |
| Credit loss provision to net charge-offs | -868.7500% | 7,070 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.7975% | 6,712 |
| Assets per employee ($millions) | 4.9159% | 2,298 |
| Cash dividends to net income (ytd only)* | 41.7537% | 2,010 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0571% | 2,086 |
| Loan loss allowance to noncurrent loans | 128.7332% | 2,209 |
| Noncurrent assets plus other real estate owned to assets | 1.0536% | 5,003 |
| Noncurrent loans to loans | 1.5979% | 4,247 |
| Net loans and leases to total assets | 60.7511% | 4,769 |
| Net loans and leases to deposits | 77.1357% | 3,989 |
| Net loans and leases to core deposits | 80.0999% | 4,505 |
| Total domestic deposits to total assets | 78.7587% | 6,076 |
| Equity capital to assets | 8.6636% | 6,084 |
| Core capital (leverage) ratio | 7.4705% | 6,864 |
| Tier 1 risk-based capital ratio | 10.9346% | 6,436 |
| Total risk-based capital ratio | 12.1914% | 6,413 |
| Memoranda: | ||
| Average total assets | $147,592,250 | 3,969 |
| Average earning assets | $138,482,000 | 3,897 |
| Average equity | $11,857,500 | 4,719 |
| Average total loans | $87,630,750 | 4,178 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6126% | 6,425 |
| Cost of funding earning assets | 0.7556% | 7,052 |
| Net interest margin | 3.8570% | 3,647 |
| Noninterest income to average assets | 0.8870% | 1,736 |
| Noninterest expense to average assets | 2.4841% | 5,774 |
| Loan and lease loss provision to assets | 0.1125% | 5,779 |
| Net operating income to assets | 1.2595% | 1,403 |
| Return on assets (ROA) | 1.2595% | 1,473 |
| Pretax return on assets | 1.8879% | 754 |
| Return on Equity (ROE) | 16.0780% | 688 |
| Retained earnings to average equity (ytd only) | 9.2363% | 1,036 |
| Net charge-offs to loans | -0.0435% | 7,423 |
| Credit loss provision to net charge-offs | -442.1053% | 6,804 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.3929% | 6,715 |
| Assets per employee ($millions) | 5.2387% | 1,884 |
| Cash dividends to net income (ytd only)* | 42.5532% | 1,965 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9965% | 2,193 |
| Loan loss allowance to noncurrent loans | 129.6405% | 2,150 |
| Noncurrent assets plus other real estate owned to assets | 0.9064% | 5,307 |
| Noncurrent loans to loans | 1.5400% | 4,401 |
| Net loans and leases to total assets | 57.0944% | 5,549 |
| Net loans and leases to deposits | 79.4917% | 3,691 |
| Net loans and leases to core deposits | 82.5457% | 4,340 |
| Total domestic deposits to total assets | 71.8244% | 7,192 |
| Equity capital to assets | 7.9060% | 6,844 |
| Core capital (leverage) ratio | 7.4010% | 6,917 |
| Tier 1 risk-based capital ratio | 12.3487% | 4,994 |
| Total risk-based capital ratio | 13.6083% | 4,966 |
| Memoranda: | ||
| Average total assets | $149,269,000 | 3,964 |
| Average earning assets | $139,226,330 | 3,919 |
| Average equity | $11,693,000 | 4,761 |
| Average total loans | $87,365,330 | 4,215 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7285% | 6,143 |
| Cost of funding earning assets | 0.8327% | 6,987 |
| Net interest margin | 3.8958% | 3,350 |
| Noninterest income to average assets | 0.8273% | 1,896 |
| Noninterest expense to average assets | 2.5415% | 5,572 |
| Loan and lease loss provision to assets | 0.1109% | 5,513 |
| Net operating income to assets | 1.1734% | 1,608 |
| Return on assets (ROA) | 1.1734% | 1,690 |
| Pretax return on assets | 1.7547% | 966 |
| Return on Equity (ROE) | 15.0512% | 864 |
| Retained earnings to average equity (ytd only) | 8.1151% | 1,659 |
| Net charge-offs to loans | -0.0553% | 7,372 |
| Credit loss provision to net charge-offs | -341.6667% | 6,205 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6687% | 6,540 |
| Assets per employee ($millions) | 4.8000% | 2,511 |
| Cash dividends to net income (ytd only)* | 46.0829% | 1,577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0068% | 2,166 |
| Loan loss allowance to noncurrent loans | 124.2402% | 2,242 |
| Noncurrent assets plus other real estate owned to assets | 0.9743% | 5,202 |
| Noncurrent loans to loans | 1.6153% | 4,324 |
| Net loans and leases to total assets | 58.2236% | 5,393 |
| Net loans and leases to deposits | 74.9982% | 4,582 |
| Net loans and leases to core deposits | 78.4083% | 4,977 |
| Total domestic deposits to total assets | 77.6333% | 6,417 |
| Equity capital to assets | 8.0882% | 6,559 |
| Core capital (leverage) ratio | 7.2329% | 7,081 |
| Tier 1 risk-based capital ratio | 10.3634% | 6,746 |
| Total risk-based capital ratio | 11.6191% | 6,740 |
| Memoranda: | ||
| Average total assets | $147,942,500 | 4,039 |
| Average earning assets | $135,942,000 | 4,041 |
| Average equity | $11,534,000 | 4,841 |
| Average total loans | $86,795,000 | 4,298 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0676% | 6,204 |
| Cost of funding earning assets | 1.1152% | 6,927 |
| Net interest margin | 3.9523% | 3,068 |
| Noninterest income to average assets | 1.0952% | 1,282 |
| Noninterest expense to average assets | 2.4937% | 6,151 |
| Loan and lease loss provision to assets | 0.3116% | 4,954 |
| Net operating income to assets | 1.3432% | 955 |
| Return on assets (ROA) | 1.3432% | 1,000 |
| Pretax return on assets | 2.0218% | 388 |
| Return on Equity (ROE) | 17.2282% | 435 |
| Retained earnings to average equity (ytd only) | 1.7193% | 3,877 |
| Net charge-offs to loans | 0.4204% | 4,119 |
| Credit loss provision to net charge-offs | 117.7546% | 4,600 |
| Earnings coverage of net charge-offs (x) | 8.8172% | 1,888 |
| Efficiency ratio | 51.6605% | 7,414 |
| Assets per employee ($millions) | 5.0628% | 2,137 |
| Cash dividends to net income (ytd only)* | 90.0206% | 853 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8902% | 2,288 |
| Loan loss allowance to noncurrent loans | 108.7582% | 2,596 |
| Noncurrent assets plus other real estate owned to assets | 1.0166% | 5,080 |
| Noncurrent loans to loans | 1.7380% | 4,028 |
| Net loans and leases to total assets | 56.8634% | 5,844 |
| Net loans and leases to deposits | 72.3912% | 5,273 |
| Net loans and leases to core deposits | 87.5019% | 5,383 |
| Total domestic deposits to total assets | 78.5502% | 6,107 |
| Equity capital to assets | 7.5195% | 7,017 |
| Core capital (leverage) ratio | 6.8472% | 7,341 |
| Tier 1 risk-based capital ratio | 10.1542% | 6,737 |
| Total risk-based capital ratio | 11.4097% | 6,697 |
| Memoranda: | ||
| Average total assets | $144,724,200 | 4,033 |
| Average earning assets | $136,653,000 | 3,966 |
| Average equity | $11,283,800 | 4,948 |
| Average total loans | $91,105,000 | 4,185 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1068% | 6,238 |
| Cost of funding earning assets | 1.1603% | 7,003 |
| Net interest margin | 3.9465% | 3,057 |
| Noninterest income to average assets | 1.1371% | 1,215 |
| Noninterest expense to average assets | 2.6147% | 5,660 |
| Loan and lease loss provision to assets | 0.2211% | 5,205 |
| Net operating income to assets | 1.3619% | 1,097 |
| Return on assets (ROA) | 1.3619% | 1,157 |
| Pretax return on assets | 2.0643% | 482 |
| Return on Equity (ROE) | 17.3041% | 515 |
| Retained earnings to average equity (ytd only) | -0.4741% | 5,341 |
| Net charge-offs to loans | 0.2728% | 4,337 |
| Credit loss provision to net charge-offs | 126.0638% | 3,991 |
| Earnings coverage of net charge-offs (x) | 13.0320% | 1,707 |
| Efficiency ratio | 53.3600% | 7,301 |
| Assets per employee ($millions) | 4.6791% | 2,592 |
| Cash dividends to net income (ytd only)* | 102.7396% | 541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8618% | 2,126 |
| Loan loss allowance to noncurrent loans | 125.5725% | 2,264 |
| Noncurrent assets plus other real estate owned to assets | 0.9100% | 5,255 |
| Noncurrent loans to loans | 1.4827% | 4,445 |
| Net loans and leases to total assets | 59.7790% | 5,616 |
| Net loans and leases to deposits | 76.4126% | 4,968 |
| Net loans and leases to core deposits | 95.2062% | 4,909 |
| Total domestic deposits to total assets | 78.2318% | 6,014 |
| Equity capital to assets | 7.7786% | 7,056 |
| Core capital (leverage) ratio | 6.9279% | 7,478 |
| Tier 1 risk-based capital ratio | 9.9937% | 6,990 |
| Total risk-based capital ratio | 11.2492% | 6,936 |
| Memoranda: | ||
| Average total assets | $142,934,000 | 4,081 |
| Average earning assets | $136,285,500 | 4,001 |
| Average equity | $11,249,500 | 5,004 |
| Average total loans | $91,873,500 | 4,197 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2180% | 6,013 |
| Cost of funding earning assets | 1.1740% | 7,183 |
| Net interest margin | 4.0440% | 2,528 |
| Noninterest income to average assets | 1.1868% | 1,110 |
| Noninterest expense to average assets | 2.6155% | 5,682 |
| Loan and lease loss provision to assets | 0.1856% | 5,172 |
| Net operating income to assets | 1.4681% | 903 |
| Return on assets (ROA) | 1.4681% | 962 |
| Pretax return on assets | 2.2415% | 331 |
| Return on Equity (ROE) | 18.5793% | 440 |
| Retained earnings to average equity (ytd only) | 0.7830% | 4,879 |
| Net charge-offs to loans | 0.2407% | 3,990 |
| Credit loss provision to net charge-offs | 117.8571% | 3,938 |
| Earnings coverage of net charge-offs (x) | 15.4107% | 1,600 |
| Efficiency ratio | 51.8684% | 7,525 |
| Assets per employee ($millions) | 4.7570% | 2,389 |
| Cash dividends to net income (ytd only)* | 95.7854% | 784 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7916% | 2,072 |
| Loan loss allowance to noncurrent loans | 158.1213% | 1,873 |
| Noncurrent assets plus other real estate owned to assets | 0.7785% | 5,449 |
| Noncurrent loans to loans | 1.1331% | 4,953 |
| Net loans and leases to total assets | 62.0725% | 5,351 |
| Net loans and leases to deposits | 77.4050% | 4,957 |
| Net loans and leases to core deposits | 96.2629% | 4,876 |
| Total domestic deposits to total assets | 80.1919% | 5,400 |
| Equity capital to assets | 7.8972% | 6,869 |
| Core capital (leverage) ratio | 7.0819% | 7,474 |
| Tier 1 risk-based capital ratio | 10.5640% | 6,322 |
| Total risk-based capital ratio | 11.8195% | 6,261 |
| Memoranda: | ||
| Average total assets | $142,228,330 | 4,131 |
| Average earning assets | $135,608,330 | 4,038 |
| Average equity | $11,238,330 | 5,019 |
| Average total loans | $93,046,330 | 4,199 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3505% | 5,655 |
| Cost of funding earning assets | 1.1979% | 7,302 |
| Net interest margin | 4.1526% | 2,083 |
| Noninterest income to average assets | 1.1015% | 1,234 |
| Noninterest expense to average assets | 2.4875% | 5,883 |
| Loan and lease loss provision to assets | 0.1831% | 4,609 |
| Net operating income to assets | 1.5466% | 859 |
| Return on assets (ROA) | 1.5466% | 935 |
| Pretax return on assets | 2.3861% | 310 |
| Return on Equity (ROE) | 19.5678% | 453 |
| Retained earnings to average equity (ytd only) | 0.8554% | 5,317 |
| Net charge-offs to loans | 0.0974% | 4,206 |
| Credit loss provision to net charge-offs | 282.6087% | 1,705 |
| Earnings coverage of net charge-offs (x) | 39.6522% | 857 |
| Efficiency ratio | 49.1922% | 7,654 |
| Assets per employee ($millions) | 4.7284% | 2,399 |
| Cash dividends to net income (ytd only)* | 95.6284% | 823 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7262% | 2,055 |
| Loan loss allowance to noncurrent loans | 229.4118% | 1,466 |
| Noncurrent assets plus other real estate owned to assets | 0.5795% | 5,735 |
| Noncurrent loans to loans | 0.7525% | 5,546 |
| Net loans and leases to total assets | 65.7387% | 4,647 |
| Net loans and leases to deposits | 83.1292% | 4,109 |
| Net loans and leases to core deposits | 100.7030% | 4,473 |
| Total domestic deposits to total assets | 79.0802% | 5,693 |
| Equity capital to assets | 7.9400% | 6,900 |
| Core capital (leverage) ratio | 7.1690% | 7,512 |
| Tier 1 risk-based capital ratio | 10.6504% | 6,234 |
| Total risk-based capital ratio | 11.9060% | 6,145 |
| Memoranda: | ||
| Average total assets | $141,988,000 | 4,149 |
| Average earning assets | $135,240,000 | 4,047 |
| Average equity | $11,222,500 | 5,053 |
| Average total loans | $94,470,000 | 4,194 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0445% | 5,329 |
| Cost of funding earning assets | 1.9227% | 6,668 |
| Net interest margin | 4.1218% | 2,616 |
| Noninterest income to average assets | 1.0881% | 1,329 |
| Noninterest expense to average assets | 2.4633% | 6,155 |
| Loan and lease loss provision to assets | 0.2029% | 4,861 |
| Net operating income to assets | 1.5126% | 994 |
| Return on assets (ROA) | 1.5126% | 963 |
| Pretax return on assets | 2.3294% | 284 |
| Return on Equity (ROE) | 19.2777% | 431 |
| Retained earnings to average equity (ytd only) | 2.7697% | 3,455 |
| Net charge-offs to loans | 0.2031% | 4,175 |
| Credit loss provision to net charge-offs | 154.0984% | 3,386 |
| Earnings coverage of net charge-offs (x) | 19.2295% | 1,648 |
| Efficiency ratio | 49.3086% | 7,711 |
| Assets per employee ($millions) | 4.5847% | 2,493 |
| Cash dividends to net income (ytd only)* | 85.6327% | 1,458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6970% | 1,921 |
| Loan loss allowance to noncurrent loans | 157.2414% | 2,370 |
| Noncurrent assets plus other real estate owned to assets | 0.7712% | 4,923 |
| Noncurrent loans to loans | 1.0792% | 4,411 |
| Net loans and leases to total assets | 65.0519% | 5,048 |
| Net loans and leases to deposits | 84.4693% | 4,345 |
| Net loans and leases to core deposits | 99.6357% | 4,858 |
| Total domestic deposits to total assets | 77.0125% | 5,988 |
| Equity capital to assets | 7.8677% | 7,016 |
| Core capital (leverage) ratio | 7.1465% | 7,574 |
| Tier 1 risk-based capital ratio | 10.6100% | 6,090 |
| Total risk-based capital ratio | 11.8658% | 5,980 |
| Memoranda: | ||
| Average total assets | $138,962,000 | 4,102 |
| Average earning assets | $131,739,000 | 4,020 |
| Average equity | $10,903,800 | 5,150 |
| Average total loans | $90,102,400 | 4,223 |