Home > Central Bank of Moberly > Performance and Condition Ratios
Central Bank of Moberly, 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 | 2.4063% | 4,626 |
| Cost of funding earning assets | 0.1052% | 4,455 |
| Net interest margin | 2.3011% | 4,492 |
| Noninterest income to average assets | 1.0493% | 990 |
| Noninterest expense to average assets | 2.0067% | 3,653 |
| Loan and lease loss provision to assets | 0.0201% | 2,595 |
| Net operating income to assets | 0.9771% | 2,996 |
| Return on assets (ROA) | 0.9819% | 3,062 |
| Pretax return on assets | 1.2706% | 2,701 |
| Return on Equity (ROE) | 13.1824% | 1,643 |
| Retained earnings to average equity (ytd only) | 5.7009% | 2,955 |
| Net charge-offs to loans | -0.0969% | 4,600 |
| Credit loss provision to net charge-offs | -48.0000% | 3,135 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9719% | 2,839 |
| Assets per employee ($millions) | 9.5221% | 765 |
| Cash dividends to net income (ytd only)* | 56.7537% | 943 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0998% | 532 |
| Loan loss allowance to noncurrent loans | 3,419.6721% | 310 |
| Noncurrent assets plus other real estate owned to assets | 0.0237% | 4,022 |
| Noncurrent loans to loans | 0.0614% | 3,791 |
| Net loans and leases to total assets | 37.8285% | 4,309 |
| Net loans and leases to deposits | 42.8941% | 4,349 |
| Net loans and leases to core deposits | 43.6527% | 4,394 |
| Total domestic deposits to total assets | 88.1904% | 1,723 |
| Equity capital to assets | 7.1708% | 4,777 |
| Core capital (leverage) ratio | 7.2131% | 4,771 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4263% | 1,063 |
| Memoranda: | ||
| Average total assets | $239,258,250 | 2,821 |
| Average earning assets | $233,103,000 | 2,748 |
| Average equity | $17,821,250 | 3,443 |
| Average total loans | $103,216,000 | 3,200 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4298% | 4,660 |
| Cost of funding earning assets | 0.1152% | 4,471 |
| Net interest margin | 2.3146% | 4,505 |
| Noninterest income to average assets | 1.0664% | 967 |
| Noninterest expense to average assets | 2.0530% | 3,543 |
| Loan and lease loss provision to assets | 0.0197% | 2,567 |
| Net operating income to assets | 0.9677% | 3,012 |
| Return on assets (ROA) | 0.9738% | 3,066 |
| Pretax return on assets | 1.2575% | 2,744 |
| Return on Equity (ROE) | 12.8971% | 1,754 |
| Retained earnings to average equity (ytd only) | 1.5440% | 4,233 |
| Net charge-offs to loans | -0.0938% | 4,608 |
| Credit loss provision to net charge-offs | -46.9388% | 2,976 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7905% | 2,761 |
| Assets per employee ($millions) | 8.8245% | 911 |
| Cash dividends to net income (ytd only)* | 88.0282% | 384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0191% | 592 |
| Loan loss allowance to noncurrent loans | 6,396.8750% | 168 |
| Noncurrent assets plus other real estate owned to assets | 0.0134% | 4,205 |
| Noncurrent loans to loans | 0.0316% | 4,042 |
| Net loans and leases to total assets | 41.6917% | 4,202 |
| Net loans and leases to deposits | 47.7393% | 4,237 |
| Net loans and leases to core deposits | 49.1850% | 4,269 |
| Total domestic deposits to total assets | 87.3320% | 2,152 |
| Equity capital to assets | 7.3957% | 4,769 |
| Core capital (leverage) ratio | 7.2987% | 4,782 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7328% | 1,182 |
| Memoranda: | ||
| Average total assets | $233,312,000 | 2,859 |
| Average earning assets | $227,427,000 | 2,779 |
| Average equity | $17,616,333 | 3,464 |
| Average total loans | $104,507,333 | 3,200 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4676% | 4,666 |
| Cost of funding earning assets | 0.1227% | 4,510 |
| Net interest margin | 2.3449% | 4,472 |
| Noninterest income to average assets | 1.1159% | 962 |
| Noninterest expense to average assets | 2.0586% | 3,535 |
| Loan and lease loss provision to assets | 0.0156% | 2,571 |
| Net operating income to assets | 1.0310% | 2,711 |
| Return on assets (ROA) | 1.0310% | 2,791 |
| Pretax return on assets | 1.3273% | 2,495 |
| Return on Equity (ROE) | 13.5120% | 1,538 |
| Retained earnings to average equity (ytd only) | 2.1574% | 3,980 |
| Net charge-offs to loans | -0.0717% | 4,523 |
| Credit loss provision to net charge-offs | -47.3684% | 2,756 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5196% | 2,974 |
| Assets per employee ($millions) | 8.3620% | 1,047 |
| Cash dividends to net income (ytd only)* | 84.0336% | 544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8910% | 750 |
| Loan loss allowance to noncurrent loans | 4,006.0000% | 225 |
| Noncurrent assets plus other real estate owned to assets | 0.0214% | 4,221 |
| Noncurrent loans to loans | 0.0472% | 4,049 |
| Net loans and leases to total assets | 44.3851% | 4,091 |
| Net loans and leases to deposits | 50.9047% | 4,113 |
| Net loans and leases to core deposits | 52.1166% | 4,187 |
| Total domestic deposits to total assets | 87.1925% | 2,232 |
| Equity capital to assets | 7.5059% | 4,708 |
| Core capital (leverage) ratio | 7.5031% | 4,793 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9174% | 1,318 |
| Memoranda: | ||
| Average total assets | $230,837,500 | 2,858 |
| Average earning assets | $225,000,000 | 2,779 |
| Average equity | $17,614,000 | 3,461 |
| Average total loans | $106,070,000 | 3,187 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0864% | 4,578 |
| Cost of funding earning assets | 0.2426% | 4,411 |
| Net interest margin | 2.8438% | 4,197 |
| Noninterest income to average assets | 1.1128% | 858 |
| Noninterest expense to average assets | 2.1521% | 3,813 |
| Loan and lease loss provision to assets | 0.0744% | 3,451 |
| Net operating income to assets | 1.2858% | 1,286 |
| Return on assets (ROA) | 1.2858% | 1,386 |
| Pretax return on assets | 1.6526% | 950 |
| Return on Equity (ROE) | 15.4320% | 575 |
| Retained earnings to average equity (ytd only) | 2.3492% | 3,684 |
| Net charge-offs to loans | -0.1168% | 4,835 |
| Credit loss provision to net charge-offs | -123.6220% | 3,752 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.4795% | 4,048 |
| Assets per employee ($millions) | 9.1015% | 716 |
| Cash dividends to net income (ytd only)* | 84.7770% | 517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8594% | 780 |
| Loan loss allowance to noncurrent loans | 3,291.6667% | 279 |
| Noncurrent assets plus other real estate owned to assets | 0.0585% | 4,047 |
| Noncurrent loans to loans | 0.0565% | 4,064 |
| Net loans and leases to total assets | 45.8121% | 4,137 |
| Net loans and leases to deposits | 52.4755% | 4,196 |
| Net loans and leases to core deposits | 53.6426% | 4,277 |
| Total domestic deposits to total assets | 87.3019% | 1,795 |
| Equity capital to assets | 7.7587% | 4,785 |
| Core capital (leverage) ratio | 7.9076% | 4,677 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0053% | 1,524 |
| Memoranda: | ||
| Average total assets | $211,004,200 | 2,852 |
| Average earning assets | $205,253,800 | 2,787 |
| Average equity | $17,580,400 | 3,410 |
| Average total loans | $108,739,600 | 3,110 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2157% | 4,571 |
| Cost of funding earning assets | 0.2797% | 4,389 |
| Net interest margin | 2.9360% | 4,116 |
| Noninterest income to average assets | 1.0003% | 1,021 |
| Noninterest expense to average assets | 2.1830% | 3,720 |
| Loan and lease loss provision to assets | 0.0904% | 3,181 |
| Net operating income to assets | 1.2336% | 1,539 |
| Return on assets (ROA) | 1.2336% | 1,660 |
| Pretax return on assets | 1.5816% | 1,233 |
| Return on Equity (ROE) | 14.5310% | 788 |
| Retained earnings to average equity (ytd only) | 0.8655% | 4,293 |
| Net charge-offs to loans | -0.0963% | 4,819 |
| Credit loss provision to net charge-offs | -177.2152% | 3,633 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.6293% | 3,840 |
| Assets per employee ($millions) | 7.9250% | 1,030 |
| Cash dividends to net income (ytd only)* | 94.0439% | 375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7062% | 886 |
| Loan loss allowance to noncurrent loans | 2,247.0588% | 316 |
| Noncurrent assets plus other real estate owned to assets | 0.0738% | 4,063 |
| Noncurrent loans to loans | 0.0759% | 4,068 |
| Net loans and leases to total assets | 51.4235% | 4,004 |
| Net loans and leases to deposits | 60.4426% | 4,030 |
| Net loans and leases to core deposits | 62.0210% | 4,105 |
| Total domestic deposits to total assets | 85.0782% | 2,407 |
| Equity capital to assets | 8.1537% | 4,656 |
| Core capital (leverage) ratio | 7.9027% | 4,733 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4560% | 1,673 |
| Memoranda: | ||
| Average total assets | $206,870,750 | 2,867 |
| Average earning assets | $201,131,000 | 2,795 |
| Average equity | $17,562,000 | 3,412 |
| Average total loans | $109,370,750 | 3,112 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3366% | 4,606 |
| Cost of funding earning assets | 0.3412% | 4,307 |
| Net interest margin | 2.9954% | 4,132 |
| Noninterest income to average assets | 0.8548% | 1,275 |
| Noninterest expense to average assets | 2.1555% | 3,915 |
| Loan and lease loss provision to assets | 0.0645% | 3,487 |
| Net operating income to assets | 1.2078% | 1,618 |
| Return on assets (ROA) | 1.2078% | 1,748 |
| Pretax return on assets | 1.5452% | 1,353 |
| Return on Equity (ROE) | 14.0338% | 883 |
| Retained earnings to average equity (ytd only) | 10.6248% | 670 |
| Net charge-offs to loans | -0.0995% | 4,847 |
| Credit loss provision to net charge-offs | -122.2222% | 3,417 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.2468% | 3,781 |
| Assets per employee ($millions) | 8.2366% | 893 |
| Cash dividends to net income (ytd only)* | 24.2915% | 2,580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5828% | 1,051 |
| Loan loss allowance to noncurrent loans | 1,661.4679% | 365 |
| Noncurrent assets plus other real estate owned to assets | 0.1522% | 3,759 |
| Noncurrent loans to loans | 0.0953% | 4,072 |
| Net loans and leases to total assets | 52.5821% | 3,984 |
| Net loans and leases to deposits | 62.1523% | 3,998 |
| Net loans and leases to core deposits | 63.7371% | 4,092 |
| Total domestic deposits to total assets | 84.6020% | 2,530 |
| Equity capital to assets | 8.5673% | 4,438 |
| Core capital (leverage) ratio | 8.3983% | 4,483 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3321% | 1,683 |
| Memoranda: | ||
| Average total assets | $204,502,333 | 2,865 |
| Average earning assets | $198,704,667 | 2,790 |
| Average equity | $17,600,333 | 3,405 |
| Average total loans | $108,513,000 | 3,120 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5301% | 4,605 |
| Cost of funding earning assets | 0.5120% | 3,884 |
| Net interest margin | 3.0181% | 4,252 |
| Noninterest income to average assets | 0.9195% | 1,029 |
| Noninterest expense to average assets | 2.1955% | 4,014 |
| Loan and lease loss provision to assets | 0.0240% | 3,498 |
| Net operating income to assets | 1.2761% | 1,308 |
| Return on assets (ROA) | 1.2761% | 1,406 |
| Pretax return on assets | 1.6286% | 994 |
| Return on Equity (ROE) | 14.7907% | 576 |
| Retained earnings to average equity (ytd only) | 7.8249% | 1,285 |
| Net charge-offs to loans | -0.3335% | 4,990 |
| Credit loss provision to net charge-offs | -13.6364% | 3,093 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0536% | 4,108 |
| Assets per employee ($millions) | 7.7643% | 812 |
| Cash dividends to net income (ytd only)* | 47.0958% | 1,714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6990% | 883 |
| Loan loss allowance to noncurrent loans | 1,243.7500% | 469 |
| Noncurrent assets plus other real estate owned to assets | 0.1788% | 3,774 |
| Noncurrent loans to loans | 0.1366% | 3,975 |
| Net loans and leases to total assets | 51.3298% | 4,161 |
| Net loans and leases to deposits | 60.6677% | 4,178 |
| Net loans and leases to core deposits | 61.9210% | 4,276 |
| Total domestic deposits to total assets | 84.6081% | 2,564 |
| Equity capital to assets | 8.6886% | 4,747 |
| Core capital (leverage) ratio | 8.4316% | 4,827 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5680% | 2,052 |
| Memoranda: | ||
| Average total assets | $199,678,000 | 2,873 |
| Average earning assets | $193,764,500 | 2,798 |
| Average equity | $17,227,000 | 3,448 |
| Average total loans | $105,561,500 | 3,145 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8038% | 4,562 |
| Cost of funding earning assets | 0.6221% | 3,547 |
| Net interest margin | 3.1817% | 4,229 |
| Noninterest income to average assets | 0.8178% | 1,394 |
| Noninterest expense to average assets | 2.0670% | 4,409 |
| Loan and lease loss provision to assets | 0.1930% | 1,057 |
| Net operating income to assets | 1.2599% | 1,836 |
| Return on assets (ROA) | 1.2595% | 1,923 |
| Pretax return on assets | 1.6398% | 1,367 |
| Return on Equity (ROE) | 14.3994% | 816 |
| Retained earnings to average equity (ytd only) | 0.5708% | 4,526 |
| Net charge-offs to loans | 0.0781% | 1,981 |
| Credit loss provision to net charge-offs | 451.8072% | 645 |
| Earnings coverage of net charge-offs (x) | 42.9157% | 1,249 |
| Efficiency ratio | 52.9955% | 4,523 |
| Assets per employee ($millions) | 7.5955% | 835 |
| Cash dividends to net income (ytd only)* | 96.0360% | 392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5996% | 979 |
| Loan loss allowance to noncurrent loans | 642.9658% | 800 |
| Noncurrent assets plus other real estate owned to assets | 0.2355% | 3,503 |
| Noncurrent loans to loans | 0.2488% | 3,556 |
| Net loans and leases to total assets | 52.6729% | 4,173 |
| Net loans and leases to deposits | 61.7898% | 4,200 |
| Net loans and leases to core deposits | 63.2310% | 4,316 |
| Total domestic deposits to total assets | 85.2453% | 2,398 |
| Equity capital to assets | 8.5648% | 4,887 |
| Core capital (leverage) ratio | 8.8266% | 4,651 |
| Tier 1 risk-based capital ratio | 13.4103% | 3,573 |
| Total risk-based capital ratio | 14.6613% | 3,452 |
| Memoranda: | ||
| Average total assets | $194,290,200 | 2,883 |
| Average earning assets | $188,231,200 | 2,816 |
| Average equity | $16,993,800 | 3,434 |
| Average total loans | $106,221,000 | 3,141 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8399% | 4,623 |
| Cost of funding earning assets | 0.6584% | 3,407 |
| Net interest margin | 3.1815% | 4,342 |
| Noninterest income to average assets | 0.7793% | 1,488 |
| Noninterest expense to average assets | 2.0769% | 4,399 |
| Loan and lease loss provision to assets | 0.2467% | 671 |
| Net operating income to assets | 1.1962% | 2,202 |
| Return on assets (ROA) | 1.1962% | 2,284 |
| Pretax return on assets | 1.5394% | 1,840 |
| Return on Equity (ROE) | 13.6043% | 1,076 |
| Retained earnings to average equity (ytd only) | 1.8494% | 4,326 |
| Net charge-offs to loans | 0.1028% | 1,442 |
| Credit loss provision to net charge-offs | 436.5854% | 707 |
| Earnings coverage of net charge-offs (x) | 31.6099% | 1,580 |
| Efficiency ratio | 53.7638% | 4,419 |
| Assets per employee ($millions) | 7.1130% | 986 |
| Cash dividends to net income (ytd only)* | 86.4055% | 503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5174% | 1,201 |
| Loan loss allowance to noncurrent loans | 664.6825% | 782 |
| Noncurrent assets plus other real estate owned to assets | 0.2763% | 3,446 |
| Noncurrent loans to loans | 0.2283% | 3,729 |
| Net loans and leases to total assets | 58.7837% | 3,799 |
| Net loans and leases to deposits | 70.0983% | 3,764 |
| Net loans and leases to core deposits | 71.5163% | 3,977 |
| Total domestic deposits to total assets | 83.8590% | 2,875 |
| Equity capital to assets | 9.2393% | 4,641 |
| Core capital (leverage) ratio | 9.0016% | 4,636 |
| Tier 1 risk-based capital ratio | 13.1946% | 3,742 |
| Total risk-based capital ratio | 14.4453% | 3,650 |
| Memoranda: | ||
| Average total assets | $193,492,000 | 2,912 |
| Average earning assets | $187,535,500 | 2,843 |
| Average equity | $17,013,750 | 3,454 |
| Average total loans | $106,348,500 | 3,177 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7870% | 4,727 |
| Cost of funding earning assets | 0.6599% | 3,355 |
| Net interest margin | 3.1271% | 4,489 |
| Noninterest income to average assets | 0.7446% | 1,542 |
| Noninterest expense to average assets | 2.0291% | 4,555 |
| Loan and lease loss provision to assets | 0.3198% | 418 |
| Net operating income to assets | 1.1123% | 2,476 |
| Return on assets (ROA) | 1.1123% | 2,548 |
| Pretax return on assets | 1.4271% | 2,115 |
| Return on Equity (ROE) | 12.8551% | 1,288 |
| Retained earnings to average equity (ytd only) | 4.0261% | 3,238 |
| Net charge-offs to loans | 0.1238% | 1,199 |
| Credit loss provision to net charge-offs | 483.0769% | 621 |
| Earnings coverage of net charge-offs (x) | 26.3846% | 1,571 |
| Efficiency ratio | 53.7362% | 4,501 |
| Assets per employee ($millions) | 6.8083% | 1,085 |
| Cash dividends to net income (ytd only)* | 68.6813% | 1,143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5093% | 1,247 |
| Loan loss allowance to noncurrent loans | 661.8474% | 806 |
| Noncurrent assets plus other real estate owned to assets | 0.2801% | 3,438 |
| Noncurrent loans to loans | 0.2280% | 3,723 |
| Net loans and leases to total assets | 56.4121% | 4,051 |
| Net loans and leases to deposits | 67.0359% | 4,022 |
| Net loans and leases to core deposits | 68.7097% | 4,176 |
| Total domestic deposits to total assets | 84.1521% | 2,799 |
| Equity capital to assets | 9.0148% | 4,786 |
| Core capital (leverage) ratio | 8.6677% | 4,867 |
| Tier 1 risk-based capital ratio | 13.0514% | 3,813 |
| Total risk-based capital ratio | 14.3015% | 3,717 |
| Memoranda: | ||
| Average total assets | $196,343,000 | 2,904 |
| Average earning assets | $190,333,330 | 2,825 |
| Average equity | $16,989,330 | 3,466 |
| Average total loans | $105,001,670 | 3,209 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6567% | 4,898 |
| Cost of funding earning assets | 0.6298% | 3,407 |
| Net interest margin | 3.0269% | 4,710 |
| Noninterest income to average assets | 0.7209% | 1,540 |
| Noninterest expense to average assets | 1.9739% | 4,693 |
| Loan and lease loss provision to assets | 0.2651% | 532 |
| Net operating income to assets | 1.1064% | 2,443 |
| Return on assets (ROA) | 1.1064% | 2,491 |
| Pretax return on assets | 1.4157% | 2,031 |
| Return on Equity (ROE) | 13.0480% | 1,202 |
| Retained earnings to average equity (ytd only) | 13.0480% | 456 |
| Net charge-offs to loans | 0.2216% | 639 |
| Credit loss provision to net charge-offs | 231.5789% | 963 |
| Earnings coverage of net charge-offs (x) | 14.6842% | 1,780 |
| Efficiency ratio | 54.0110% | 4,531 |
| Assets per employee ($millions) | 7.1853% | 923 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3890% | 1,717 |
| Loan loss allowance to noncurrent loans | 513.5889% | 1,024 |
| Noncurrent assets plus other real estate owned to assets | 0.2714% | 3,525 |
| Noncurrent loans to loans | 0.2705% | 3,593 |
| Net loans and leases to total assets | 52.0133% | 4,333 |
| Net loans and leases to deposits | 61.6089% | 4,324 |
| Net loans and leases to core deposits | 62.8685% | 4,433 |
| Total domestic deposits to total assets | 84.4249% | 2,885 |
| Equity capital to assets | 8.5736% | 4,942 |
| Core capital (leverage) ratio | 8.5757% | 4,963 |
| Tier 1 risk-based capital ratio | 13.3455% | 3,695 |
| Total risk-based capital ratio | 14.5090% | 3,642 |
| Memoranda: | ||
| Average total assets | $199,199,000 | 2,909 |
| Average earning assets | $193,069,500 | 2,822 |
| Average equity | $16,891,500 | 3,484 |
| Average total loans | $102,909,000 | 3,271 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3964% | 5,010 |
| Cost of funding earning assets | 0.5079% | 3,303 |
| Net interest margin | 2.8885% | 4,935 |
| Noninterest income to average assets | 0.7891% | 1,484 |
| Noninterest expense to average assets | 2.0439% | 4,672 |
| Loan and lease loss provision to assets | 0.2901% | 561 |
| Net operating income to assets | 1.0186% | 2,934 |
| Return on assets (ROA) | 1.0168% | 2,925 |
| Pretax return on assets | 1.2450% | 2,717 |
| Return on Equity (ROE) | 11.9850% | 1,721 |
| Retained earnings to average equity (ytd only) | 10.3988% | 546 |
| Net charge-offs to loans | 0.6531% | 259 |
| Credit loss provision to net charge-offs | 83.1790% | 2,821 |
| Earnings coverage of net charge-offs (x) | 4.4074% | 3,301 |
| Efficiency ratio | 57.0720% | 4,275 |
| Assets per employee ($millions) | 7.0433% | 958 |
| Cash dividends to net income (ytd only)* | 13.2345% | 3,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4032% | 1,623 |
| Loan loss allowance to noncurrent loans | 407.8717% | 1,287 |
| Noncurrent assets plus other real estate owned to assets | 0.3053% | 3,351 |
| Noncurrent loans to loans | 0.3440% | 3,312 |
| Net loans and leases to total assets | 49.8456% | 4,531 |
| Net loans and leases to deposits | 58.2842% | 4,560 |
| Net loans and leases to core deposits | 59.4057% | 4,653 |
| Total domestic deposits to total assets | 85.5216% | 2,431 |
| Equity capital to assets | 8.3839% | 5,000 |
| Core capital (leverage) ratio | 8.7666% | 4,835 |
| Tier 1 risk-based capital ratio | 13.1296% | 3,773 |
| Total risk-based capital ratio | 14.2531% | 3,736 |
| Memoranda: | ||
| Average total assets | $185,776,400 | 2,999 |
| Average earning assets | $179,573,000 | 2,924 |
| Average equity | $15,761,400 | 3,540 |
| Average total loans | $99,225,000 | 3,306 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3451% | 5,090 |
| Cost of funding earning assets | 0.4920% | 3,251 |
| Net interest margin | 2.8531% | 5,032 |
| Noninterest income to average assets | 0.7923% | 1,501 |
| Noninterest expense to average assets | 2.0890% | 4,576 |
| Loan and lease loss provision to assets | 0.1815% | 1,001 |
| Net operating income to assets | 1.0113% | 3,036 |
| Return on assets (ROA) | 1.0095% | 3,055 |
| Pretax return on assets | 1.2756% | 2,706 |
| Return on Equity (ROE) | 11.8614% | 1,843 |
| Retained earnings to average equity (ytd only) | 11.8614% | 497 |
| Net charge-offs to loans | 0.4897% | 322 |
| Credit loss provision to net charge-offs | 68.4066% | 2,647 |
| Earnings coverage of net charge-offs (x) | 5.5000% | 2,954 |
| Efficiency ratio | 58.8743% | 3,981 |
| Assets per employee ($millions) | 6.7188% | 1,073 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4113% | 1,653 |
| Loan loss allowance to noncurrent loans | 208.8456% | 2,173 |
| Noncurrent assets plus other real estate owned to assets | 0.4975% | 2,710 |
| Noncurrent loans to loans | 0.6757% | 2,389 |
| Net loans and leases to total assets | 51.7276% | 4,496 |
| Net loans and leases to deposits | 60.8895% | 4,506 |
| Net loans and leases to core deposits | 62.2226% | 4,602 |
| Total domestic deposits to total assets | 84.9532% | 2,626 |
| Equity capital to assets | 8.6213% | 4,854 |
| Core capital (leverage) ratio | 9.1336% | 4,581 |
| Tier 1 risk-based capital ratio | 13.4864% | 3,635 |
| Total risk-based capital ratio | 14.6533% | 3,600 |
| Memoranda: | ||
| Average total assets | $182,917,750 | 3,050 |
| Average earning assets | $176,692,500 | 2,980 |
| Average equity | $15,568,250 | 3,583 |
| Average total loans | $99,106,250 | 3,336 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3171% | 5,123 |
| Cost of funding earning assets | 0.5108% | 2,924 |
| Net interest margin | 2.8063% | 5,109 |
| Noninterest income to average assets | 0.7672% | 1,582 |
| Noninterest expense to average assets | 2.1084% | 4,585 |
| Loan and lease loss provision to assets | 0.1369% | 1,431 |
| Net operating income to assets | 0.9714% | 3,135 |
| Return on assets (ROA) | 0.9714% | 3,138 |
| Pretax return on assets | 1.2330% | 2,806 |
| Return on Equity (ROE) | 11.4648% | 1,921 |
| Retained earnings to average equity (ytd only) | 11.4648% | 592 |
| Net charge-offs to loans | 0.0988% | 1,369 |
| Credit loss provision to net charge-offs | 253.0612% | 1,128 |
| Earnings coverage of net charge-offs (x) | 25.3265% | 1,643 |
| Efficiency ratio | 60.6157% | 3,832 |
| Assets per employee ($millions) | 6.4440% | 1,197 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6015% | 1,106 |
| Loan loss allowance to noncurrent loans | 170.2151% | 2,533 |
| Noncurrent assets plus other real estate owned to assets | 0.6645% | 2,243 |
| Noncurrent loans to loans | 0.9409% | 1,848 |
| Net loans and leases to total assets | 53.9034% | 4,345 |
| Net loans and leases to deposits | 61.6429% | 4,443 |
| Net loans and leases to core deposits | 62.9215% | 4,562 |
| Total domestic deposits to total assets | 87.4446% | 1,671 |
| Equity capital to assets | 8.7241% | 4,778 |
| Core capital (leverage) ratio | 8.7636% | 4,921 |
| Tier 1 risk-based capital ratio | 12.8811% | 3,960 |
| Total risk-based capital ratio | 14.1315% | 3,876 |
| Memoranda: | ||
| Average total assets | $181,181,670 | 3,083 |
| Average earning assets | $175,031,670 | 3,010 |
| Average equity | $15,351,330 | 3,635 |
| Average total loans | $99,239,670 | 3,348 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2659% | 5,177 |
| Cost of funding earning assets | 0.4930% | 2,849 |
| Net interest margin | 2.7729% | 5,186 |
| Noninterest income to average assets | 0.7667% | 1,555 |
| Noninterest expense to average assets | 2.0710% | 4,722 |
| Loan and lease loss provision to assets | 0.1410% | 1,336 |
| Net operating income to assets | 0.9716% | 2,977 |
| Return on assets (ROA) | 0.9716% | 3,007 |
| Pretax return on assets | 1.2316% | 2,632 |
| Return on Equity (ROE) | 11.6386% | 1,708 |
| Retained earnings to average equity (ytd only) | 11.6386% | 756 |
| Net charge-offs to loans | -0.0523% | 4,986 |
| Credit loss provision to net charge-offs | -492.3077% | 3,992 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1408% | 4,043 |
| Assets per employee ($millions) | 6.5306% | 1,183 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6221% | 1,109 |
| Loan loss allowance to noncurrent loans | 154.9365% | 2,688 |
| Noncurrent assets plus other real estate owned to assets | 0.7093% | 2,196 |
| Noncurrent loans to loans | 1.0469% | 1,747 |
| Net loans and leases to total assets | 52.5714% | 4,397 |
| Net loans and leases to deposits | 59.7522% | 4,491 |
| Net loans and leases to core deposits | 60.4724% | 4,630 |
| Total domestic deposits to total assets | 87.9823% | 1,633 |
| Equity capital to assets | 8.3771% | 5,062 |
| Core capital (leverage) ratio | 8.3599% | 5,222 |
| Tier 1 risk-based capital ratio | 12.3698% | 4,331 |
| Total risk-based capital ratio | 13.6200% | 4,218 |
| Memoranda: | ||
| Average total assets | $181,556,500 | 3,114 |
| Average earning assets | $175,267,500 | 3,041 |
| Average equity | $15,156,500 | 3,684 |
| Average total loans | $99,438,500 | 3,369 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2109% | 5,175 |
| Cost of funding earning assets | 0.4117% | 3,141 |
| Net interest margin | 2.7992% | 5,167 |
| Noninterest income to average assets | 0.7210% | 1,880 |
| Noninterest expense to average assets | 2.1641% | 4,613 |
| Loan and lease loss provision to assets | 0.1287% | 1,779 |
| Net operating income to assets | 0.7397% | 3,428 |
| Return on assets (ROA) | 0.7400% | 3,468 |
| Pretax return on assets | 1.1326% | 3,049 |
| Return on Equity (ROE) | 8.8374% | 2,390 |
| Retained earnings to average equity (ytd only) | 8.8374% | 537 |
| Net charge-offs to loans | 0.0825% | 2,274 |
| Credit loss provision to net charge-offs | 275.3086% | 1,014 |
| Earnings coverage of net charge-offs (x) | 26.9630% | 1,652 |
| Efficiency ratio | 63.1889% | 3,737 |
| Assets per employee ($millions) | 6.4378% | 1,241 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4907% | 1,435 |
| Loan loss allowance to noncurrent loans | 138.8582% | 2,951 |
| Noncurrent assets plus other real estate owned to assets | 0.7517% | 2,083 |
| Noncurrent loans to loans | 1.0735% | 1,658 |
| Net loans and leases to total assets | 55.2844% | 4,250 |
| Net loans and leases to deposits | 62.3110% | 4,422 |
| Net loans and leases to core deposits | 62.9669% | 4,600 |
| Total domestic deposits to total assets | 88.7233% | 1,134 |
| Equity capital to assets | 8.3187% | 5,249 |
| Core capital (leverage) ratio | 8.8458% | 4,814 |
| Tier 1 risk-based capital ratio | 10.9282% | 5,189 |
| Total risk-based capital ratio | 12.0447% | 5,149 |
| Memoranda: | ||
| Average total assets | $173,232,600 | 3,205 |
| Average earning assets | $167,335,200 | 3,110 |
| Average equity | $14,506,600 | 3,777 |
| Average total loans | $98,188,400 | 3,379 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2069% | 5,217 |
| Cost of funding earning assets | 0.4165% | 3,023 |
| Net interest margin | 2.7903% | 5,234 |
| Noninterest income to average assets | 0.7231% | 1,889 |
| Noninterest expense to average assets | 2.1810% | 4,564 |
| Loan and lease loss provision to assets | 0.0754% | 2,560 |
| Net operating income to assets | 0.8081% | 3,491 |
| Return on assets (ROA) | 0.8086% | 3,535 |
| Pretax return on assets | 1.1655% | 3,041 |
| Return on Equity (ROE) | 9.6398% | 2,285 |
| Retained earnings to average equity (ytd only) | 9.6398% | 665 |
| Net charge-offs to loans | 0.0753% | 2,065 |
| Credit loss provision to net charge-offs | 176.3636% | 1,496 |
| Earnings coverage of net charge-offs (x) | 29.0005% | 1,593 |
| Efficiency ratio | 63.7500% | 3,595 |
| Assets per employee ($millions) | 5.5784% | 1,848 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3978% | 1,900 |
| Loan loss allowance to noncurrent loans | 130.8550% | 3,051 |
| Noncurrent assets plus other real estate owned to assets | 0.8157% | 2,108 |
| Noncurrent loans to loans | 1.0682% | 1,809 |
| Net loans and leases to total assets | 59.3489% | 3,938 |
| Net loans and leases to deposits | 67.5993% | 4,138 |
| Net loans and leases to core deposits | 68.4920% | 4,337 |
| Total domestic deposits to total assets | 87.7951% | 1,470 |
| Equity capital to assets | 8.9130% | 4,986 |
| Core capital (leverage) ratio | 8.6319% | 5,123 |
| Tier 1 risk-based capital ratio | 11.8040% | 4,765 |
| Total risk-based capital ratio | 12.9500% | 4,715 |
| Memoranda: | ||
| Average total assets | $171,476,500 | 3,250 |
| Average earning assets | $165,807,500 | 3,152 |
| Average equity | $14,384,500 | 3,834 |
| Average total loans | $97,445,000 | 3,420 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1490% | 5,303 |
| Cost of funding earning assets | 0.4081% | 2,993 |
| Net interest margin | 2.7409% | 5,318 |
| Noninterest income to average assets | 0.7289% | 1,864 |
| Noninterest expense to average assets | 2.1544% | 4,657 |
| Loan and lease loss provision to assets | 0.0590% | 2,789 |
| Net operating income to assets | 0.8087% | 3,357 |
| Return on assets (ROA) | 0.8111% | 3,404 |
| Pretax return on assets | 1.1686% | 2,902 |
| Return on Equity (ROE) | 9.8681% | 2,095 |
| Retained earnings to average equity (ytd only) | 9.8681% | 613 |
| Net charge-offs to loans | 0.1038% | 1,593 |
| Credit loss provision to net charge-offs | 102.0000% | 1,981 |
| Earnings coverage of net charge-offs (x) | 21.1600% | 1,763 |
| Efficiency ratio | 63.7671% | 3,706 |
| Assets per employee ($millions) | 6.1410% | 1,366 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3809% | 2,030 |
| Loan loss allowance to noncurrent loans | 124.7263% | 3,150 |
| Noncurrent assets plus other real estate owned to assets | 0.8183% | 2,159 |
| Noncurrent loans to loans | 1.1072% | 1,770 |
| Net loans and leases to total assets | 56.7744% | 4,149 |
| Net loans and leases to deposits | 65.1402% | 4,290 |
| Net loans and leases to core deposits | 65.7611% | 4,484 |
| Total domestic deposits to total assets | 87.1572% | 1,875 |
| Equity capital to assets | 8.4787% | 5,319 |
| Core capital (leverage) ratio | 8.3198% | 5,340 |
| Tier 1 risk-based capital ratio | 11.7366% | 4,815 |
| Total risk-based capital ratio | 12.8695% | 4,767 |
| Memoranda: | ||
| Average total assets | $172,851,670 | 3,250 |
| Average earning assets | $167,098,670 | 3,147 |
| Average equity | $14,207,330 | 3,868 |
| Average total loans | $96,350,330 | 3,449 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0808% | 5,386 |
| Cost of funding earning assets | 0.4084% | 2,915 |
| Net interest margin | 2.6724% | 5,417 |
| Noninterest income to average assets | 0.7732% | 1,650 |
| Noninterest expense to average assets | 2.1211% | 4,808 |
| Loan and lease loss provision to assets | 0.0577% | 2,650 |
| Net operating income to assets | 0.8146% | 3,156 |
| Return on assets (ROA) | 0.8194% | 3,186 |
| Pretax return on assets | 1.1841% | 2,663 |
| Return on Equity (ROE) | 10.1273% | 1,917 |
| Retained earnings to average equity (ytd only) | 10.1273% | 785 |
| Net charge-offs to loans | -0.0337% | 4,989 |
| Credit loss provision to net charge-offs | -312.5000% | 4,138 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2050% | 3,954 |
| Assets per employee ($millions) | 6.2347% | 1,339 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4132% | 2,026 |
| Loan loss allowance to noncurrent loans | 1,840.7895% | 368 |
| Noncurrent assets plus other real estate owned to assets | 0.2354% | 4,284 |
| Noncurrent loans to loans | 0.0768% | 4,893 |
| Net loans and leases to total assets | 55.9070% | 4,182 |
| Net loans and leases to deposits | 66.1659% | 4,162 |
| Net loans and leases to core deposits | 66.9704% | 4,361 |
| Total domestic deposits to total assets | 84.4952% | 3,296 |
| Equity capital to assets | 8.1496% | 5,446 |
| Core capital (leverage) ratio | 7.9712% | 5,569 |
| Tier 1 risk-based capital ratio | 11.1153% | 5,252 |
| Total risk-based capital ratio | 12.2399% | 5,226 |
| Memoranda: | ||
| Average total assets | $173,303,000 | 3,277 |
| Average earning assets | $167,490,500 | 3,166 |
| Average equity | $14,021,500 | 3,918 |
| Average total loans | $95,030,500 | 3,498 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0508% | 5,460 |
| Cost of funding earning assets | 0.3585% | 3,428 |
| Net interest margin | 2.6923% | 5,427 |
| Noninterest income to average assets | 0.8533% | 1,562 |
| Noninterest expense to average assets | 2.2934% | 4,578 |
| Loan and lease loss provision to assets | 0.0609% | 3,160 |
| Net operating income to assets | 0.7876% | 3,362 |
| Return on assets (ROA) | 0.7496% | 3,658 |
| Pretax return on assets | 1.0483% | 3,301 |
| Return on Equity (ROE) | 9.0005% | 2,413 |
| Retained earnings to average equity (ytd only) | 9.0005% | 590 |
| Net charge-offs to loans | 0.0755% | 2,622 |
| Credit loss provision to net charge-offs | 150.7692% | 1,813 |
| Earnings coverage of net charge-offs (x) | 28.7846% | 1,465 |
| Efficiency ratio | 66.3731% | 3,531 |
| Assets per employee ($millions) | 6.1441% | 1,374 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5000% | 1,664 |
| Loan loss allowance to noncurrent loans | 2,787.7551% | 258 |
| Noncurrent assets plus other real estate owned to assets | 0.2220% | 4,419 |
| Noncurrent loans to loans | 0.0538% | 5,030 |
| Net loans and leases to total assets | 52.1397% | 4,594 |
| Net loans and leases to deposits | 60.7475% | 4,626 |
| Net loans and leases to core deposits | 61.4471% | 4,778 |
| Total domestic deposits to total assets | 85.8301% | 2,663 |
| Equity capital to assets | 8.0310% | 5,553 |
| Core capital (leverage) ratio | 8.5081% | 5,258 |
| Tier 1 risk-based capital ratio | 11.0419% | 5,325 |
| Total risk-based capital ratio | 12.1613% | 5,276 |
| Memoranda: | ||
| Average total assets | $161,024,800 | 3,385 |
| Average earning assets | $155,629,000 | 3,304 |
| Average equity | $13,410,400 | 4,042 |
| Average total loans | $86,108,200 | 3,660 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0660% | 5,509 |
| Cost of funding earning assets | 0.3641% | 3,397 |
| Net interest margin | 2.7019% | 5,491 |
| Noninterest income to average assets | 0.8913% | 1,432 |
| Noninterest expense to average assets | 2.4051% | 4,270 |
| Loan and lease loss provision to assets | 0.0607% | 3,033 |
| Net operating income to assets | 0.7540% | 3,586 |
| Return on assets (ROA) | 0.7017% | 3,971 |
| Pretax return on assets | 0.9671% | 3,753 |
| Return on Equity (ROE) | 8.3450% | 2,835 |
| Retained earnings to average equity (ytd only) | 8.3450% | 1,028 |
| Net charge-offs to loans | 0.0424% | 2,793 |
| Credit loss provision to net charge-offs | 266.6667% | 1,146 |
| Earnings coverage of net charge-offs (x) | 48.3322% | 1,102 |
| Efficiency ratio | 68.6298% | 3,115 |
| Assets per employee ($millions) | 5.7267% | 1,635 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5700% | 1,561 |
| Loan loss allowance to noncurrent loans | 1,583.9080% | 385 |
| Noncurrent assets plus other real estate owned to assets | 0.2716% | 4,345 |
| Noncurrent loans to loans | 0.0991% | 4,945 |
| Net loans and leases to total assets | 55.8740% | 4,317 |
| Net loans and leases to deposits | 72.4725% | 3,755 |
| Net loans and leases to core deposits | 73.3518% | 4,054 |
| Total domestic deposits to total assets | 77.0969% | 5,066 |
| Equity capital to assets | 8.8888% | 5,252 |
| Core capital (leverage) ratio | 8.6671% | 5,194 |
| Tier 1 risk-based capital ratio | 11.6034% | 5,030 |
| Total risk-based capital ratio | 12.8232% | 4,956 |
| Memoranda: | ||
| Average total assets | $158,272,500 | 3,428 |
| Average earning assets | $153,075,250 | 3,351 |
| Average equity | $13,309,000 | 4,081 |
| Average total loans | $84,869,250 | 3,710 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0442% | 5,605 |
| Cost of funding earning assets | 0.3642% | 3,411 |
| Net interest margin | 2.6800% | 5,596 |
| Noninterest income to average assets | 0.9142% | 1,330 |
| Noninterest expense to average assets | 2.3613% | 4,451 |
| Loan and lease loss provision to assets | 0.0589% | 2,963 |
| Net operating income to assets | 0.7840% | 3,386 |
| Return on assets (ROA) | 0.7073% | 3,904 |
| Pretax return on assets | 0.9806% | 3,657 |
| Return on Equity (ROE) | 8.5688% | 2,715 |
| Retained earnings to average equity (ytd only) | 8.5688% | 987 |
| Net charge-offs to loans | 0.0381% | 2,695 |
| Credit loss provision to net charge-offs | 293.7500% | 980 |
| Earnings coverage of net charge-offs (x) | 57.1250% | 912 |
| Efficiency ratio | 67.3221% | 3,480 |
| Assets per employee ($millions) | 5.6746% | 1,644 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6151% | 1,487 |
| Loan loss allowance to noncurrent loans | 1,311.5385% | 465 |
| Noncurrent assets plus other real estate owned to assets | 0.2924% | 4,330 |
| Noncurrent loans to loans | 0.1231% | 4,951 |
| Net loans and leases to total assets | 54.2310% | 4,487 |
| Net loans and leases to deposits | 72.3444% | 3,756 |
| Net loans and leases to core deposits | 72.9171% | 4,090 |
| Total domestic deposits to total assets | 74.9623% | 5,416 |
| Equity capital to assets | 8.8563% | 5,353 |
| Core capital (leverage) ratio | 8.2704% | 5,555 |
| Tier 1 risk-based capital ratio | 11.7554% | 5,004 |
| Total risk-based capital ratio | 13.0041% | 4,886 |
| Memoranda: | ||
| Average total assets | $159,489,670 | 3,440 |
| Average earning assets | $154,328,000 | 3,342 |
| Average equity | $13,164,000 | 4,129 |
| Average total loans | $83,902,000 | 3,749 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9574% | 5,730 |
| Cost of funding earning assets | 0.3687% | 3,413 |
| Net interest margin | 2.5887% | 5,731 |
| Noninterest income to average assets | 0.9002% | 1,314 |
| Noninterest expense to average assets | 2.2530% | 4,776 |
| Loan and lease loss provision to assets | 0.0590% | 2,776 |
| Net operating income to assets | 0.7868% | 3,310 |
| Return on assets (ROA) | 0.6911% | 3,866 |
| Pretax return on assets | 0.9592% | 3,624 |
| Return on Equity (ROE) | 8.6718% | 2,572 |
| Retained earnings to average equity (ytd only) | 8.6718% | 1,206 |
| Net charge-offs to loans | 0.0430% | 2,142 |
| Credit loss provision to net charge-offs | 266.6667% | 913 |
| Earnings coverage of net charge-offs (x) | 52.0000% | 861 |
| Efficiency ratio | 66.1850% | 3,769 |
| Assets per employee ($millions) | 5.9360% | 1,451 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5937% | 1,623 |
| Loan loss allowance to noncurrent loans | 929.6552% | 618 |
| Noncurrent assets plus other real estate owned to assets | 0.3051% | 4,348 |
| Noncurrent loans to loans | 0.1714% | 4,797 |
| Net loans and leases to total assets | 51.9330% | 4,633 |
| Net loans and leases to deposits | 70.9582% | 3,757 |
| Net loans and leases to core deposits | 71.6528% | 4,091 |
| Total domestic deposits to total assets | 73.1881% | 5,681 |
| Equity capital to assets | 8.2385% | 5,720 |
| Core capital (leverage) ratio | 7.8151% | 5,846 |
| Tier 1 risk-based capital ratio | 11.4946% | 5,238 |
| Total risk-based capital ratio | 12.7281% | 5,149 |
| Memoranda: | ||
| Average total assets | $162,628,000 | 3,419 |
| Average earning assets | $157,301,500 | 3,325 |
| Average equity | $12,961,500 | 4,172 |
| Average total loans | $83,626,500 | 3,768 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9823% | 5,742 |
| Cost of funding earning assets | 0.3186% | 4,050 |
| Net interest margin | 2.6637% | 5,688 |
| Noninterest income to average assets | 0.9653% | 1,278 |
| Noninterest expense to average assets | 2.3358% | 4,689 |
| Loan and lease loss provision to assets | 0.0483% | 3,363 |
| Net operating income to assets | 0.8161% | 3,271 |
| Return on assets (ROA) | 0.8171% | 3,342 |
| Pretax return on assets | 1.1573% | 2,817 |
| Return on Equity (ROE) | 9.8937% | 2,048 |
| Retained earnings to average equity (ytd only) | 0.1404% | 5,449 |
| Net charge-offs to loans | -0.0737% | 5,691 |
| Credit loss provision to net charge-offs | -136.3636% | 5,208 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9811% | 3,907 |
| Assets per employee ($millions) | 5.4995% | 1,805 |
| Cash dividends to net income (ytd only)* | 98.5804% | 423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6124% | 1,576 |
| Loan loss allowance to noncurrent loans | 822.8395% | 699 |
| Noncurrent assets plus other real estate owned to assets | 0.3067% | 4,377 |
| Noncurrent loans to loans | 0.1960% | 4,706 |
| Net loans and leases to total assets | 49.3005% | 4,929 |
| Net loans and leases to deposits | 61.9761% | 4,639 |
| Net loans and leases to core deposits | 62.3055% | 4,858 |
| Total domestic deposits to total assets | 79.5477% | 4,856 |
| Equity capital to assets | 7.7092% | 5,944 |
| Core capital (leverage) ratio | 8.1658% | 5,720 |
| Tier 1 risk-based capital ratio | 10.8102% | 5,621 |
| Total risk-based capital ratio | 11.9774% | 5,573 |
| Memoranda: | ||
| Average total assets | $155,189,800 | 3,489 |
| Average earning assets | $150,016,800 | 3,402 |
| Average equity | $12,816,200 | 4,170 |
| Average total loans | $74,641,200 | 3,979 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0261% | 5,789 |
| Cost of funding earning assets | 0.3225% | 4,074 |
| Net interest margin | 2.7037% | 5,719 |
| Noninterest income to average assets | 0.9550% | 1,303 |
| Noninterest expense to average assets | 2.4136% | 4,469 |
| Loan and lease loss provision to assets | 0.0436% | 3,346 |
| Net operating income to assets | 0.7894% | 3,478 |
| Return on assets (ROA) | 0.7900% | 3,565 |
| Pretax return on assets | 1.1112% | 3,170 |
| Return on Equity (ROE) | 9.3971% | 2,352 |
| Retained earnings to average equity (ytd only) | 0.0519% | 5,580 |
| Net charge-offs to loans | -0.0055% | 4,846 |
| Credit loss provision to net charge-offs | -1,666.6667% | 5,567 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6535% | 3,604 |
| Assets per employee ($millions) | 5.3051% | 1,951 |
| Cash dividends to net income (ytd only)* | 99.4472% | 385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5648% | 1,911 |
| Loan loss allowance to noncurrent loans | 944.3609% | 616 |
| Noncurrent assets plus other real estate owned to assets | 0.3100% | 4,525 |
| Noncurrent loans to loans | 0.1657% | 4,990 |
| Net loans and leases to total assets | 51.3552% | 4,817 |
| Net loans and leases to deposits | 69.5361% | 4,038 |
| Net loans and leases to core deposits | 69.7540% | 4,393 |
| Total domestic deposits to total assets | 73.8541% | 5,723 |
| Equity capital to assets | 8.3764% | 5,782 |
| Core capital (leverage) ratio | 8.1099% | 5,835 |
| Tier 1 risk-based capital ratio | 11.7687% | 5,225 |
| Total risk-based capital ratio | 12.9692% | 5,174 |
| Memoranda: | ||
| Average total assets | $152,741,250 | 3,555 |
| Average earning assets | $147,599,000 | 3,472 |
| Average equity | $12,840,500 | 4,208 |
| Average total loans | $72,633,750 | 4,066 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9737% | 5,887 |
| Cost of funding earning assets | 0.3233% | 4,115 |
| Net interest margin | 2.6504% | 5,824 |
| Noninterest income to average assets | 0.9437% | 1,322 |
| Noninterest expense to average assets | 2.3823% | 4,609 |
| Loan and lease loss provision to assets | 0.0368% | 3,387 |
| Net operating income to assets | 0.7735% | 3,518 |
| Return on assets (ROA) | 0.7744% | 3,622 |
| Pretax return on assets | 1.0868% | 3,231 |
| Return on Equity (ROE) | 9.2008% | 2,435 |
| Retained earnings to average equity (ytd only) | 0.6238% | 5,312 |
| Net charge-offs to loans | -0.0485% | 5,536 |
| Credit loss provision to net charge-offs | -164.7059% | 4,995 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9775% | 3,672 |
| Assets per employee ($millions) | 5.1889% | 2,045 |
| Cash dividends to net income (ytd only)* | 93.2203% | 644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6328% | 1,805 |
| Loan loss allowance to noncurrent loans | 866.6667% | 633 |
| Noncurrent assets plus other real estate owned to assets | 0.3135% | 4,620 |
| Noncurrent loans to loans | 0.1884% | 5,024 |
| Net loans and leases to total assets | 48.2977% | 5,074 |
| Net loans and leases to deposits | 64.5046% | 4,488 |
| Net loans and leases to core deposits | 64.7781% | 4,752 |
| Total domestic deposits to total assets | 74.8747% | 5,720 |
| Equity capital to assets | 8.2413% | 5,859 |
| Core capital (leverage) ratio | 7.9942% | 5,935 |
| Tier 1 risk-based capital ratio | 12.7922% | 4,626 |
| Total risk-based capital ratio | 14.0424% | 4,541 |
| Memoranda: | ||
| Average total assets | $152,372,330 | 3,593 |
| Average earning assets | $147,224,000 | 3,501 |
| Average equity | $12,825,000 | 4,237 |
| Average total loans | $70,090,000 | 4,156 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9320% | 5,967 |
| Cost of funding earning assets | 0.3404% | 3,979 |
| Net interest margin | 2.5916% | 5,932 |
| Noninterest income to average assets | 0.9342% | 1,286 |
| Noninterest expense to average assets | 2.3248% | 4,809 |
| Loan and lease loss provision to assets | 0.0239% | 3,394 |
| Net operating income to assets | 0.7704% | 3,427 |
| Return on assets (ROA) | 0.7723% | 3,544 |
| Pretax return on assets | 1.0934% | 3,110 |
| Return on Equity (ROE) | 9.0774% | 2,409 |
| Retained earnings to average equity (ytd only) | -0.2807% | 5,432 |
| Net charge-offs to loans | 0.0478% | 2,315 |
| Credit loss provision to net charge-offs | 112.5000% | 1,488 |
| Earnings coverage of net charge-offs (x) | 52.5000% | 809 |
| Efficiency ratio | 67.5926% | 3,892 |
| Assets per employee ($millions) | 5.3351% | 1,958 |
| Cash dividends to net income (ytd only)* | 103.0928% | 648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7603% | 1,591 |
| Loan loss allowance to noncurrent loans | 905.2632% | 597 |
| Noncurrent assets plus other real estate owned to assets | 0.2980% | 4,780 |
| Noncurrent loans to loans | 0.1945% | 5,083 |
| Net loans and leases to total assets | 41.9814% | 5,487 |
| Net loans and leases to deposits | 56.9168% | 4,988 |
| Net loans and leases to core deposits | 56.9675% | 5,190 |
| Total domestic deposits to total assets | 73.7592% | 5,920 |
| Equity capital to assets | 8.0493% | 6,009 |
| Core capital (leverage) ratio | 7.6963% | 6,071 |
| Tier 1 risk-based capital ratio | 13.8911% | 4,091 |
| Total risk-based capital ratio | 15.1417% | 4,019 |
| Memoranda: | ||
| Average total assets | $150,724,500 | 3,641 |
| Average earning assets | $145,701,000 | 3,540 |
| Average equity | $12,823,000 | 4,267 |
| Average total loans | $66,919,000 | 4,273 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7948% | 6,206 |
| Cost of funding earning assets | 0.2941% | 4,850 |
| Net interest margin | 2.5007% | 6,157 |
| Noninterest income to average assets | 0.9707% | 1,287 |
| Noninterest expense to average assets | 2.3151% | 5,075 |
| Loan and lease loss provision to assets | 0.0074% | 4,482 |
| Net operating income to assets | 0.7570% | 3,590 |
| Return on assets (ROA) | 0.7527% | 3,717 |
| Pretax return on assets | 1.0552% | 3,279 |
| Return on Equity (ROE) | 8.8214% | 2,672 |
| Retained earnings to average equity (ytd only) | 0.0157% | 5,754 |
| Net charge-offs to loans | 0.1157% | 2,877 |
| Credit loss provision to net charge-offs | 15.2778% | 4,034 |
| Earnings coverage of net charge-offs (x) | 22.1250% | 1,638 |
| Efficiency ratio | 68.4179% | 3,822 |
| Assets per employee ($millions) | 4.7132% | 2,707 |
| Cash dividends to net income (ytd only)* | 99.8217% | 352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8383% | 1,455 |
| Loan loss allowance to noncurrent loans | 897.7612% | 646 |
| Noncurrent assets plus other real estate owned to assets | 0.3381% | 4,702 |
| Noncurrent loans to loans | 0.2048% | 5,084 |
| Net loans and leases to total assets | 45.4317% | 5,373 |
| Net loans and leases to deposits | 54.8972% | 5,258 |
| Net loans and leases to core deposits | 55.1825% | 5,432 |
| Total domestic deposits to total assets | 82.7578% | 4,162 |
| Equity capital to assets | 9.0264% | 5,257 |
| Core capital (leverage) ratio | 8.4143% | 5,646 |
| Tier 1 risk-based capital ratio | 14.8055% | 3,598 |
| Total risk-based capital ratio | 16.0583% | 3,528 |
| Memoranda: | ||
| Average total assets | $149,066,400 | 3,645 |
| Average earning assets | $143,838,800 | 3,540 |
| Average equity | $12,719,000 | 4,240 |
| Average total loans | $62,248,000 | 4,420 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7383% | 6,315 |
| Cost of funding earning assets | 0.2909% | 4,977 |
| Net interest margin | 2.4473% | 6,267 |
| Noninterest income to average assets | 0.9564% | 1,347 |
| Noninterest expense to average assets | 2.2907% | 5,133 |
| Loan and lease loss provision to assets | 0.0088% | 4,245 |
| Net operating income to assets | 0.7302% | 3,787 |
| Return on assets (ROA) | 0.7321% | 3,880 |
| Pretax return on assets | 1.0217% | 3,513 |
| Return on Equity (ROE) | 8.6977% | 2,844 |
| Retained earnings to average equity (ytd only) | 0.3043% | 5,716 |
| Net charge-offs to loans | 0.0803% | 3,055 |
| Credit loss provision to net charge-offs | 27.0270% | 3,496 |
| Earnings coverage of net charge-offs (x) | 31.4608% | 1,324 |
| Efficiency ratio | 69.0261% | 3,670 |
| Assets per employee ($millions) | 5.3215% | 1,886 |
| Cash dividends to net income (ytd only)* | 96.5014% | 400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9883% | 1,281 |
| Loan loss allowance to noncurrent loans | 513.2780% | 948 |
| Noncurrent assets plus other real estate owned to assets | 0.3926% | 4,749 |
| Noncurrent loans to loans | 0.3874% | 4,754 |
| Net loans and leases to total assets | 40.9227% | 5,757 |
| Net loans and leases to deposits | 54.8528% | 5,319 |
| Net loans and leases to core deposits | 55.2579% | 5,490 |
| Total domestic deposits to total assets | 74.6045% | 5,956 |
| Equity capital to assets | 8.5535% | 5,759 |
| Core capital (leverage) ratio | 8.2369% | 5,895 |
| Tier 1 risk-based capital ratio | 15.9249% | 3,088 |
| Total risk-based capital ratio | 17.1793% | 3,036 |
| Memoranda: | ||
| Average total assets | $150,983,750 | 3,642 |
| Average earning assets | $145,733,750 | 3,550 |
| Average equity | $12,708,000 | 4,273 |
| Average total loans | $61,449,500 | 4,483 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6823% | 6,398 |
| Cost of funding earning assets | 0.2915% | 5,058 |
| Net interest margin | 2.3908% | 6,365 |
| Noninterest income to average assets | 0.9390% | 1,371 |
| Noninterest expense to average assets | 2.2421% | 5,307 |
| Loan and lease loss provision to assets | 0.0079% | 4,078 |
| Net operating income to assets | 0.7133% | 3,769 |
| Return on assets (ROA) | 0.7162% | 3,850 |
| Pretax return on assets | 0.9971% | 3,484 |
| Return on Equity (ROE) | 8.5541% | 2,812 |
| Retained earnings to average equity (ytd only) | 0.6774% | 5,467 |
| Net charge-offs to loans | 0.0654% | 3,060 |
| Credit loss provision to net charge-offs | 30.0000% | 3,056 |
| Earnings coverage of net charge-offs (x) | 37.9500% | 1,096 |
| Efficiency ratio | 69.1338% | 3,814 |
| Assets per employee ($millions) | 5.6169% | 1,598 |
| Cash dividends to net income (ytd only)* | 92.0810% | 651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0153% | 1,334 |
| Loan loss allowance to noncurrent loans | 482.6255% | 957 |
| Noncurrent assets plus other real estate owned to assets | 0.3976% | 4,820 |
| Noncurrent loans to loans | 0.4176% | 4,737 |
| Net loans and leases to total assets | 40.0753% | 5,809 |
| Net loans and leases to deposits | 54.6325% | 5,309 |
| Net loans and leases to core deposits | 55.0018% | 5,485 |
| Total domestic deposits to total assets | 73.3543% | 6,163 |
| Equity capital to assets | 8.4427% | 5,846 |
| Core capital (leverage) ratio | 8.1339% | 5,996 |
| Tier 1 risk-based capital ratio | 16.1452% | 3,011 |
| Total risk-based capital ratio | 17.4001% | 2,957 |
| Memoranda: | ||
| Average total assets | $151,644,000 | 3,654 |
| Average earning assets | $146,141,670 | 3,562 |
| Average equity | $12,695,670 | 4,286 |
| Average total loans | $61,195,000 | 4,508 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6081% | 6,516 |
| Cost of funding earning assets | 0.2934% | 5,141 |
| Net interest margin | 2.3146% | 6,465 |
| Noninterest income to average assets | 0.9470% | 1,267 |
| Noninterest expense to average assets | 2.2422% | 5,350 |
| Loan and lease loss provision to assets | 0.0053% | 3,751 |
| Net operating income to assets | 0.6700% | 3,841 |
| Return on assets (ROA) | 0.6700% | 3,927 |
| Pretax return on assets | 0.9259% | 3,604 |
| Return on Equity (ROE) | 8.0370% | 2,911 |
| Retained earnings to average equity (ytd only) | 0.9176% | 5,229 |
| Net charge-offs to loans | -0.0263% | 5,489 |
| Credit loss provision to net charge-offs | -50.0000% | 4,750 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6567% | 3,714 |
| Assets per employee ($millions) | 5.6520% | 1,576 |
| Cash dividends to net income (ytd only)* | 88.5827% | 836 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0978% | 1,327 |
| Loan loss allowance to noncurrent loans | 747.0588% | 673 |
| Noncurrent assets plus other real estate owned to assets | 0.3368% | 5,137 |
| Noncurrent loans to loans | 0.2808% | 5,268 |
| Net loans and leases to total assets | 38.8387% | 5,883 |
| Net loans and leases to deposits | 57.6788% | 4,974 |
| Net loans and leases to core deposits | 58.2147% | 5,186 |
| Total domestic deposits to total assets | 67.3362% | 6,530 |
| Equity capital to assets | 8.2856% | 5,837 |
| Core capital (leverage) ratio | 8.1314% | 6,010 |
| Tier 1 risk-based capital ratio | 15.8599% | 3,238 |
| Total risk-based capital ratio | 17.1153% | 3,199 |
| Memoranda: | ||
| Average total assets | $151,637,500 | 3,681 |
| Average earning assets | $145,854,500 | 3,592 |
| Average equity | $12,641,500 | 4,314 |
| Average total loans | $60,779,000 | 4,559 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7226% | 6,533 |
| Cost of funding earning assets | 0.3381% | 5,260 |
| Net interest margin | 2.3845% | 6,463 |
| Noninterest income to average assets | 1.0146% | 1,363 |
| Noninterest expense to average assets | 2.3781% | 5,133 |
| Loan and lease loss provision to assets | 0.0079% | 4,965 |
| Net operating income to assets | 0.6584% | 3,996 |
| Return on assets (ROA) | 0.6584% | 4,096 |
| Pretax return on assets | 0.9272% | 3,658 |
| Return on Equity (ROE) | 7.8913% | 3,081 |
| Retained earnings to average equity (ytd only) | 0.8033% | 5,476 |
| Net charge-offs to loans | 0.0516% | 4,494 |
| Credit loss provision to net charge-offs | 37.5000% | 4,087 |
| Earnings coverage of net charge-offs (x) | 44.4688% | 867 |
| Efficiency ratio | 71.7771% | 3,514 |
| Assets per employee ($millions) | 5.5804% | 1,581 |
| Cash dividends to net income (ytd only)* | 89.8204% | 647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0715% | 1,391 |
| Loan loss allowance to noncurrent loans | 661.7801% | 738 |
| Noncurrent assets plus other real estate owned to assets | 0.3551% | 5,193 |
| Noncurrent loans to loans | 0.3130% | 5,249 |
| Net loans and leases to total assets | 39.6590% | 5,987 |
| Net loans and leases to deposits | 53.7941% | 5,485 |
| Net loans and leases to core deposits | 54.2113% | 5,658 |
| Total domestic deposits to total assets | 73.7237% | 6,304 |
| Equity capital to assets | 8.3884% | 5,706 |
| Core capital (leverage) ratio | 8.7434% | 5,366 |
| Tier 1 risk-based capital ratio | 15.4386% | 3,411 |
| Total risk-based capital ratio | 16.6932% | 3,355 |
| Memoranda: | ||
| Average total assets | $152,181,400 | 3,672 |
| Average earning assets | $146,698,000 | 3,560 |
| Average equity | $12,697,600 | 4,313 |
| Average total loans | $61,986,600 | 4,547 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7230% | 6,615 |
| Cost of funding earning assets | 0.3622% | 5,174 |
| Net interest margin | 2.3608% | 6,546 |
| Noninterest income to average assets | 1.0173% | 1,406 |
| Noninterest expense to average assets | 2.5109% | 4,684 |
| Loan and lease loss provision to assets | 0.0070% | 4,839 |
| Net operating income to assets | 0.5681% | 4,484 |
| Return on assets (ROA) | 0.5681% | 4,634 |
| Pretax return on assets | 0.7778% | 4,391 |
| Return on Equity (ROE) | 6.8174% | 3,757 |
| Retained earnings to average equity (ytd only) | 0.5245% | 5,759 |
| Net charge-offs to loans | 0.0321% | 4,491 |
| Credit loss provision to net charge-offs | 53.3333% | 3,428 |
| Earnings coverage of net charge-offs (x) | 59.8650% | 757 |
| Efficiency ratio | 76.1867% | 2,706 |
| Assets per employee ($millions) | 5.1616% | 1,975 |
| Cash dividends to net income (ytd only)* | 92.3072% | 527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0492% | 1,614 |
| Loan loss allowance to noncurrent loans | 840.1316% | 560 |
| Noncurrent assets plus other real estate owned to assets | 0.3432% | 5,375 |
| Noncurrent loans to loans | 0.2439% | 5,624 |
| Net loans and leases to total assets | 42.2356% | 5,885 |
| Net loans and leases to deposits | 61.6719% | 4,802 |
| Net loans and leases to core deposits | 62.4154% | 5,069 |
| Total domestic deposits to total assets | 68.4843% | 6,652 |
| Equity capital to assets | 8.7238% | 5,494 |
| Core capital (leverage) ratio | 8.4980% | 5,775 |
| Tier 1 risk-based capital ratio | 15.2706% | 3,582 |
| Total risk-based capital ratio | 16.5252% | 3,535 |
| Memoranda: | ||
| Average total assets | $152,558,750 | 3,696 |
| Average earning assets | $147,234,000 | 3,588 |
| Average equity | $12,712,250 | 4,365 |
| Average total loans | $62,228,500 | 4,575 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7176% | 6,660 |
| Cost of funding earning assets | 0.4073% | 4,872 |
| Net interest margin | 2.3103% | 6,612 |
| Noninterest income to average assets | 1.0178% | 1,479 |
| Noninterest expense to average assets | 2.4659% | 4,851 |
| Loan and lease loss provision to assets | 0.0116% | 4,641 |
| Net operating income to assets | 0.5617% | 4,493 |
| Return on assets (ROA) | 0.5617% | 4,662 |
| Pretax return on assets | 0.7691% | 4,429 |
| Return on Equity (ROE) | 6.8408% | 3,698 |
| Retained earnings to average equity (ytd only) | 0.5648% | 5,676 |
| Net charge-offs to loans | 0.0579% | 3,875 |
| Credit loss provision to net charge-offs | 50.0000% | 3,203 |
| Earnings coverage of net charge-offs (x) | 33.6667% | 1,051 |
| Efficiency ratio | 75.9524% | 2,796 |
| Assets per employee ($millions) | 5.1763% | 1,906 |
| Cash dividends to net income (ytd only)* | 91.7431% | 652 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0765% | 1,685 |
| Loan loss allowance to noncurrent loans | 1,237.8641% | 391 |
| Noncurrent assets plus other real estate owned to assets | 0.2978% | 5,573 |
| Noncurrent loans to loans | 0.1677% | 5,902 |
| Net loans and leases to total assets | 40.0536% | 6,040 |
| Net loans and leases to deposits | 59.0931% | 5,061 |
| Net loans and leases to core deposits | 60.1158% | 5,257 |
| Total domestic deposits to total assets | 67.7805% | 6,724 |
| Equity capital to assets | 8.4136% | 5,857 |
| Core capital (leverage) ratio | 8.1430% | 6,065 |
| Tier 1 risk-based capital ratio | 15.5242% | 3,467 |
| Total risk-based capital ratio | 16.7788% | 3,419 |
| Memoranda: | ||
| Average total assets | $155,236,670 | 3,686 |
| Average earning assets | $149,764,000 | 3,560 |
| Average equity | $12,747,000 | 4,385 |
| Average total loans | $62,198,670 | 4,599 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6631% | 6,750 |
| Cost of funding earning assets | 0.3943% | 5,161 |
| Net interest margin | 2.2687% | 6,706 |
| Noninterest income to average assets | 1.0292% | 1,400 |
| Noninterest expense to average assets | 2.3980% | 5,130 |
| Loan and lease loss provision to assets | 0.0152% | 4,267 |
| Net operating income to assets | 0.5830% | 4,296 |
| Return on assets (ROA) | 0.5830% | 4,445 |
| Pretax return on assets | 0.8036% | 4,157 |
| Return on Equity (ROE) | 7.1844% | 3,389 |
| Retained earnings to average equity (ytd only) | 0.9371% | 5,472 |
| Net charge-offs to loans | 0.0639% | 3,184 |
| Credit loss provision to net charge-offs | 60.0000% | 2,443 |
| Earnings coverage of net charge-offs (x) | 32.3000% | 927 |
| Efficiency ratio | 74.5469% | 3,168 |
| Assets per employee ($millions) | 5.2447% | 1,930 |
| Cash dividends to net income (ytd only)* | 86.9565% | 788 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0254% | 1,979 |
| Loan loss allowance to noncurrent loans | 191.0448% | 1,969 |
| Noncurrent assets plus other real estate owned to assets | 0.6445% | 4,758 |
| Noncurrent loans to loans | 1.0602% | 4,021 |
| Net loans and leases to total assets | 39.3512% | 6,047 |
| Net loans and leases to deposits | 60.0864% | 4,785 |
| Net loans and leases to core deposits | 61.0172% | 5,055 |
| Total domestic deposits to total assets | 65.4911% | 6,857 |
| Equity capital to assets | 8.1428% | 6,299 |
| Core capital (leverage) ratio | 7.7579% | 6,320 |
| Tier 1 risk-based capital ratio | 15.2686% | 3,673 |
| Total risk-based capital ratio | 16.5227% | 3,625 |
| Memoranda: | ||
| Average total assets | $157,798,000 | 3,685 |
| Average earning assets | $152,155,000 | 3,556 |
| Average equity | $12,805,500 | 4,419 |
| Average total loans | $62,597,500 | 4,614 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8562% | 6,836 |
| Cost of funding earning assets | 0.3870% | 6,003 |
| Net interest margin | 2.4692% | 6,731 |
| Noninterest income to average assets | 0.9956% | 1,548 |
| Noninterest expense to average assets | 2.4008% | 5,406 |
| Loan and lease loss provision to assets | 0.0170% | 5,690 |
| Net operating income to assets | 0.6726% | 3,869 |
| Return on assets (ROA) | 0.6726% | 4,141 |
| Pretax return on assets | 0.9460% | 3,760 |
| Return on Equity (ROE) | 8.1043% | 3,043 |
| Retained earnings to average equity (ytd only) | 0.4402% | 5,635 |
| Net charge-offs to loans | 0.0437% | 5,304 |
| Credit loss provision to net charge-offs | 100.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 56.7692% | 623 |
| Efficiency ratio | 71.3732% | 3,545 |
| Assets per employee ($millions) | 5.6519% | 1,563 |
| Cash dividends to net income (ytd only)* | 94.5684% | 599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0710% | 1,832 |
| Loan loss allowance to noncurrent loans | 605.6604% | 695 |
| Noncurrent assets plus other real estate owned to assets | 0.3513% | 5,635 |
| Noncurrent loans to loans | 0.3419% | 5,629 |
| Net loans and leases to total assets | 38.3655% | 6,274 |
| Net loans and leases to deposits | 54.2001% | 5,633 |
| Net loans and leases to core deposits | 54.8821% | 5,804 |
| Total domestic deposits to total assets | 70.7849% | 6,758 |
| Equity capital to assets | 8.0876% | 6,362 |
| Core capital (leverage) ratio | 8.3421% | 5,837 |
| Tier 1 risk-based capital ratio | 15.2167% | 3,604 |
| Total risk-based capital ratio | 16.4713% | 3,544 |
| Memoranda: | ||
| Average total assets | $153,281,800 | 3,723 |
| Average earning assets | $147,011,800 | 3,606 |
| Average equity | $12,721,600 | 4,413 |
| Average total loans | $59,459,200 | 4,735 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8927% | 6,933 |
| Cost of funding earning assets | 0.4040% | 6,092 |
| Net interest margin | 2.4887% | 6,832 |
| Noninterest income to average assets | 0.9673% | 1,605 |
| Noninterest expense to average assets | 2.5870% | 4,785 |
| Loan and lease loss provision to assets | 0.0088% | 5,695 |
| Net operating income to assets | 0.5569% | 4,591 |
| Return on assets (ROA) | 0.5569% | 4,849 |
| Pretax return on assets | 0.7594% | 4,632 |
| Return on Equity (ROE) | 6.6654% | 3,985 |
| Retained earnings to average equity (ytd only) | 0.1049% | 6,038 |
| Net charge-offs to loans | 0.0363% | 5,141 |
| Credit loss provision to net charge-offs | 62.5000% | 4,084 |
| Earnings coverage of net charge-offs (x) | 54.7571% | 703 |
| Efficiency ratio | 77.1040% | 2,506 |
| Assets per employee ($millions) | 4.9300% | 2,281 |
| Cash dividends to net income (ytd only)* | 98.4244% | 359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1226% | 1,862 |
| Loan loss allowance to noncurrent loans | 536.9748% | 717 |
| Noncurrent assets plus other real estate owned to assets | 0.3935% | 5,708 |
| Noncurrent loans to loans | 0.3953% | 5,667 |
| Net loans and leases to total assets | 39.8452% | 6,295 |
| Net loans and leases to deposits | 58.2501% | 5,405 |
| Net loans and leases to core deposits | 59.1237% | 5,644 |
| Total domestic deposits to total assets | 68.4037% | 6,908 |
| Equity capital to assets | 8.6389% | 6,149 |
| Core capital (leverage) ratio | 8.3768% | 5,918 |
| Tier 1 risk-based capital ratio | 16.2174% | 3,154 |
| Total risk-based capital ratio | 17.4732% | 3,117 |
| Memoranda: | ||
| Average total assets | $152,038,750 | 3,784 |
| Average earning assets | $145,880,000 | 3,663 |
| Average equity | $12,702,250 | 4,465 |
| Average total loans | $58,824,250 | 4,807 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8953% | 7,015 |
| Cost of funding earning assets | 0.4080% | 6,225 |
| Net interest margin | 2.4873% | 6,900 |
| Noninterest income to average assets | 0.9412% | 1,643 |
| Noninterest expense to average assets | 2.5747% | 4,866 |
| Loan and lease loss provision to assets | 0.0052% | 5,586 |
| Net operating income to assets | 0.5475% | 4,592 |
| Return on assets (ROA) | 0.5475% | 4,871 |
| Pretax return on assets | 0.7457% | 4,678 |
| Return on Equity (ROE) | 6.6260% | 3,978 |
| Retained earnings to average equity (ytd only) | -0.0789% | 6,055 |
| Net charge-offs to loans | 0.0685% | 4,469 |
| Credit loss provision to net charge-offs | 20.0000% | 4,604 |
| Earnings coverage of net charge-offs (x) | 28.8000% | 1,102 |
| Efficiency ratio | 77.4206% | 2,536 |
| Assets per employee ($millions) | 5.0302% | 2,138 |
| Cash dividends to net income (ytd only)* | 101.1905% | 413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1837% | 1,810 |
| Loan loss allowance to noncurrent loans | 493.3852% | 729 |
| Noncurrent assets plus other real estate owned to assets | 0.3983% | 5,786 |
| Noncurrent loans to loans | 0.4426% | 5,653 |
| Net loans and leases to total assets | 37.6380% | 6,510 |
| Net loans and leases to deposits | 55.5503% | 5,700 |
| Net loans and leases to core deposits | 56.2056% | 5,927 |
| Total domestic deposits to total assets | 67.7548% | 7,005 |
| Equity capital to assets | 8.4066% | 6,296 |
| Core capital (leverage) ratio | 8.0342% | 6,235 |
| Tier 1 risk-based capital ratio | 16.2293% | 3,049 |
| Total risk-based capital ratio | 17.4847% | 3,013 |
| Memoranda: | ||
| Average total assets | $153,418,330 | 3,782 |
| Average earning assets | $147,064,330 | 3,656 |
| Average equity | $12,677,330 | 4,463 |
| Average total loans | $58,362,670 | 4,860 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8993% | 7,079 |
| Cost of funding earning assets | 0.3759% | 6,521 |
| Net interest margin | 2.5234% | 6,937 |
| Noninterest income to average assets | 0.9258% | 1,643 |
| Noninterest expense to average assets | 2.5731% | 4,911 |
| Loan and lease loss provision to assets | 0.0026% | 5,233 |
| Net operating income to assets | 0.5586% | 4,549 |
| Return on assets (ROA) | 0.5586% | 4,767 |
| Pretax return on assets | 0.7629% | 4,561 |
| Return on Equity (ROE) | 6.8176% | 3,883 |
| Retained earnings to average equity (ytd only) | -0.2841% | 6,039 |
| Net charge-offs to loans | 0.1231% | 3,370 |
| Credit loss provision to net charge-offs | 5.5556% | 3,951 |
| Earnings coverage of net charge-offs (x) | 16.4444% | 1,364 |
| Efficiency ratio | 77.0720% | 2,638 |
| Assets per employee ($millions) | 5.0741% | 2,160 |
| Cash dividends to net income (ytd only)* | 104.1667% | 514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1777% | 1,926 |
| Loan loss allowance to noncurrent loans | 481.7490% | 707 |
| Noncurrent assets plus other real estate owned to assets | 0.3859% | 5,910 |
| Noncurrent loans to loans | 0.4520% | 5,774 |
| Net loans and leases to total assets | 36.1823% | 6,606 |
| Net loans and leases to deposits | 53.1797% | 5,889 |
| Net loans and leases to core deposits | 53.9730% | 6,058 |
| Total domestic deposits to total assets | 68.0377% | 7,050 |
| Equity capital to assets | 8.0478% | 6,490 |
| Core capital (leverage) ratio | 7.9151% | 6,326 |
| Tier 1 risk-based capital ratio | 17.5641% | 2,456 |
| Total risk-based capital ratio | 18.8219% | 2,423 |
| Memoranda: | ||
| Average total assets | $154,674,500 | 3,790 |
| Average earning assets | $147,897,500 | 3,659 |
| Average equity | $12,673,000 | 4,469 |
| Average total loans | $58,511,000 | 4,883 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1566% | 7,137 |
| Cost of funding earning assets | 0.4600% | 6,700 |
| Net interest margin | 2.6966% | 6,924 |
| Noninterest income to average assets | 0.9815% | 1,418 |
| Noninterest expense to average assets | 2.4376% | 5,671 |
| Loan and lease loss provision to assets | 0.0274% | 6,232 |
| Net operating income to assets | 0.7553% | 3,240 |
| Return on assets (ROA) | 0.7535% | 3,411 |
| Pretax return on assets | 1.1045% | 2,818 |
| Return on Equity (ROE) | 8.9479% | 2,474 |
| Retained earnings to average equity (ytd only) | 0.2144% | 5,735 |
| Net charge-offs to loans | 0.0717% | 5,602 |
| Credit loss provision to net charge-offs | 100.0000% | 3,501 |
| Earnings coverage of net charge-offs (x) | 41.3902% | 653 |
| Efficiency ratio | 68.2388% | 4,307 |
| Assets per employee ($millions) | 5.0684% | 2,108 |
| Cash dividends to net income (ytd only)* | 97.6043% | 382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1822% | 1,830 |
| Loan loss allowance to noncurrent loans | 395.0769% | 850 |
| Noncurrent assets plus other real estate owned to assets | 0.4400% | 5,865 |
| Noncurrent loans to loans | 0.5523% | 5,614 |
| Net loans and leases to total assets | 37.8537% | 6,653 |
| Net loans and leases to deposits | 49.7021% | 6,380 |
| Net loans and leases to core deposits | 50.5640% | 6,499 |
| Total domestic deposits to total assets | 76.1613% | 6,465 |
| Equity capital to assets | 8.3439% | 6,311 |
| Core capital (leverage) ratio | 8.8330% | 5,055 |
| Tier 1 risk-based capital ratio | 17.5772% | 2,356 |
| Total risk-based capital ratio | 18.8347% | 2,319 |
| Memoranda: | ||
| Average total assets | $149,572,200 | 3,809 |
| Average earning assets | $143,698,400 | 3,682 |
| Average equity | $12,595,200 | 4,419 |
| Average total loans | $57,195,800 | 4,977 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2011% | 7,211 |
| Cost of funding earning assets | 0.4831% | 6,769 |
| Net interest margin | 2.7180% | 6,975 |
| Noninterest income to average assets | 0.9551% | 1,469 |
| Noninterest expense to average assets | 2.5806% | 5,149 |
| Loan and lease loss provision to assets | 0.0081% | 6,328 |
| Net operating income to assets | 0.6783% | 3,728 |
| Return on assets (ROA) | 0.6758% | 3,914 |
| Pretax return on assets | 0.9864% | 3,451 |
| Return on Equity (ROE) | 8.0068% | 3,034 |
| Retained earnings to average equity (ytd only) | 0.0531% | 5,937 |
| Net charge-offs to loans | 0.0493% | 5,496 |
| Credit loss provision to net charge-offs | 42.8571% | 5,184 |
| Earnings coverage of net charge-offs (x) | 53.0939% | 611 |
| Efficiency ratio | 72.1111% | 3,534 |
| Assets per employee ($millions) | 4.3618% | 3,155 |
| Cash dividends to net income (ytd only)* | 99.3384% | 310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2155% | 1,828 |
| Loan loss allowance to noncurrent loans | 444.7552% | 717 |
| Noncurrent assets plus other real estate owned to assets | 0.4514% | 5,959 |
| Noncurrent loans to loans | 0.4981% | 5,846 |
| Net loans and leases to total assets | 40.2232% | 6,610 |
| Net loans and leases to deposits | 55.1607% | 6,109 |
| Net loans and leases to core deposits | 56.3658% | 6,288 |
| Total domestic deposits to total assets | 72.9201% | 6,863 |
| Equity capital to assets | 9.0553% | 5,683 |
| Core capital (leverage) ratio | 8.5838% | 5,582 |
| Tier 1 risk-based capital ratio | 17.8431% | 2,314 |
| Total risk-based capital ratio | 19.1014% | 2,275 |
| Memoranda: | ||
| Average total assets | $148,952,500 | 3,843 |
| Average earning assets | $143,780,500 | 3,704 |
| Average equity | $12,572,250 | 4,434 |
| Average total loans | $56,784,500 | 5,046 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1599% | 7,298 |
| Cost of funding earning assets | 0.4946% | 6,862 |
| Net interest margin | 2.6653% | 7,064 |
| Noninterest income to average assets | 0.9521% | 1,458 |
| Noninterest expense to average assets | 2.5934% | 5,221 |
| Loan and lease loss provision to assets | 0.0039% | 6,195 |
| Net operating income to assets | 0.6338% | 3,891 |
| Return on assets (ROA) | 0.6168% | 4,105 |
| Pretax return on assets | 0.9022% | 3,608 |
| Return on Equity (ROE) | 7.4741% | 3,203 |
| Retained earnings to average equity (ytd only) | -0.1275% | 5,861 |
| Net charge-offs to loans | 0.0318% | 5,401 |
| Credit loss provision to net charge-offs | 33.3333% | 4,934 |
| Earnings coverage of net charge-offs (x) | 78.6667% | 431 |
| Efficiency ratio | 73.5821% | 3,444 |
| Assets per employee ($millions) | 5.4275% | 1,629 |
| Cash dividends to net income (ytd only)* | 101.7058% | 450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2270% | 1,864 |
| Loan loss allowance to noncurrent loans | 376.9912% | 851 |
| Noncurrent assets plus other real estate owned to assets | 0.4339% | 6,060 |
| Noncurrent loans to loans | 0.5907% | 5,747 |
| Net loans and leases to total assets | 35.6478% | 6,978 |
| Net loans and leases to deposits | 46.7723% | 6,795 |
| Net loans and leases to core deposits | 47.6356% | 6,869 |
| Total domestic deposits to total assets | 76.2157% | 6,566 |
| Equity capital to assets | 8.0096% | 6,677 |
| Core capital (leverage) ratio | 8.4327% | 5,658 |
| Tier 1 risk-based capital ratio | 12.8557% | 5,040 |
| Total risk-based capital ratio | 14.1067% | 5,012 |
| Memoranda: | ||
| Average total assets | $152,078,000 | 3,814 |
| Average earning assets | $146,775,670 | 3,670 |
| Average equity | $12,550,000 | 4,424 |
| Average total loans | $56,574,670 | 5,099 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2381% | 7,329 |
| Cost of funding earning assets | 0.4888% | 7,009 |
| Net interest margin | 2.7493% | 6,969 |
| Noninterest income to average assets | 1.0039% | 1,314 |
| Noninterest expense to average assets | 2.6315% | 5,110 |
| Loan and lease loss provision to assets | 0.0027% | 5,824 |
| Net operating income to assets | 0.6845% | 3,584 |
| Return on assets (ROA) | 0.6719% | 3,722 |
| Pretax return on assets | 1.0012% | 3,127 |
| Return on Equity (ROE) | 8.0182% | 2,902 |
| Retained earnings to average equity (ytd only) | 0.0319% | 5,779 |
| Net charge-offs to loans | 0.0783% | 4,158 |
| Credit loss provision to net charge-offs | 9.0909% | 4,388 |
| Earnings coverage of net charge-offs (x) | 34.7273% | 747 |
| Efficiency ratio | 72.0147% | 3,862 |
| Assets per employee ($millions) | 4.8913% | 2,307 |
| Cash dividends to net income (ytd only)* | 99.6016% | 598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2960% | 1,769 |
| Loan loss allowance to noncurrent loans | 351.9337% | 879 |
| Noncurrent assets plus other real estate owned to assets | 0.4811% | 6,024 |
| Noncurrent loans to loans | 0.6524% | 5,726 |
| Net loans and leases to total assets | 36.9463% | 6,959 |
| Net loans and leases to deposits | 51.5244% | 6,511 |
| Net loans and leases to core deposits | 53.0469% | 6,621 |
| Total domestic deposits to total assets | 71.7064% | 7,097 |
| Equity capital to assets | 8.5151% | 5,883 |
| Core capital (leverage) ratio | 8.1033% | 6,125 |
| Tier 1 risk-based capital ratio | 12.8522% | 4,943 |
| Total risk-based capital ratio | 14.1031% | 4,914 |
| Memoranda: | ||
| Average total assets | $149,418,000 | 3,885 |
| Average earning assets | $144,035,500 | 3,753 |
| Average equity | $12,521,500 | 4,444 |
| Average total loans | $56,168,500 | 5,168 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9704% | 7,156 |
| Cost of funding earning assets | 0.6783% | 6,936 |
| Net interest margin | 3.2921% | 6,007 |
| Noninterest income to average assets | 1.0682% | 1,313 |
| Noninterest expense to average assets | 2.5883% | 5,463 |
| Loan and lease loss provision to assets | 0.0777% | 6,380 |
| Net operating income to assets | 0.9609% | 2,161 |
| Return on assets (ROA) | 0.9623% | 2,277 |
| Pretax return on assets | 1.5022% | 1,368 |
| Return on Equity (ROE) | 10.9198% | 1,611 |
| Retained earnings to average equity (ytd only) | 0.1873% | 5,479 |
| Net charge-offs to loans | 0.1869% | 5,182 |
| Credit loss provision to net charge-offs | 100.8929% | 4,504 |
| Earnings coverage of net charge-offs (x) | 20.4821% | 999 |
| Efficiency ratio | 62.1265% | 5,707 |
| Assets per employee ($millions) | 4.9063% | 2,284 |
| Cash dividends to net income (ytd only)* | 98.2845% | 417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2587% | 1,757 |
| Loan loss allowance to noncurrent loans | 188.8235% | 1,588 |
| Noncurrent assets plus other real estate owned to assets | 0.6733% | 5,660 |
| Noncurrent loans to loans | 1.1962% | 4,724 |
| Net loans and leases to total assets | 36.5322% | 7,137 |
| Net loans and leases to deposits | 46.2813% | 7,033 |
| Net loans and leases to core deposits | 47.9628% | 7,071 |
| Total domestic deposits to total assets | 78.9350% | 6,096 |
| Equity capital to assets | 8.2501% | 6,203 |
| Core capital (leverage) ratio | 8.7907% | 4,875 |
| Tier 1 risk-based capital ratio | 12.1693% | 5,316 |
| Total risk-based capital ratio | 13.4200% | 5,296 |
| Memoranda: | ||
| Average total assets | $145,386,400 | 3,957 |
| Average earning assets | $136,812,200 | 3,881 |
| Average equity | $12,811,600 | 4,394 |
| Average total loans | $59,919,200 | 5,076 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1742% | 7,126 |
| Cost of funding earning assets | 0.7359% | 6,957 |
| Net interest margin | 3.4384% | 5,540 |
| Noninterest income to average assets | 1.0326% | 1,359 |
| Noninterest expense to average assets | 2.7889% | 4,538 |
| Loan and lease loss provision to assets | 0.0111% | 6,915 |
| Net operating income to assets | 0.9241% | 2,521 |
| Return on assets (ROA) | 0.9259% | 2,647 |
| Pretax return on assets | 1.4520% | 1,746 |
| Return on Equity (ROE) | 10.3330% | 1,994 |
| Retained earnings to average equity (ytd only) | -0.0207% | 5,787 |
| Net charge-offs to loans | 0.1999% | 4,748 |
| Credit loss provision to net charge-offs | 13.1868% | 6,307 |
| Earnings coverage of net charge-offs (x) | 17.2967% | 1,336 |
| Efficiency ratio | 65.6332% | 4,939 |
| Assets per employee ($millions) | 4.5647% | 2,806 |
| Cash dividends to net income (ytd only)* | 100.2007% | 348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0437% | 2,114 |
| Loan loss allowance to noncurrent loans | 161.3941% | 1,769 |
| Noncurrent assets plus other real estate owned to assets | 0.7960% | 5,504 |
| Noncurrent loans to loans | 1.2663% | 4,738 |
| Net loans and leases to total assets | 42.1419% | 6,968 |
| Net loans and leases to deposits | 54.8032% | 6,708 |
| Net loans and leases to core deposits | 58.7439% | 6,691 |
| Total domestic deposits to total assets | 76.8968% | 6,501 |
| Equity capital to assets | 9.3280% | 5,091 |
| Core capital (leverage) ratio | 8.7922% | 5,027 |
| Tier 1 risk-based capital ratio | 11.8677% | 5,575 |
| Total risk-based capital ratio | 13.0427% | 5,630 |
| Memoranda: | ||
| Average total assets | $143,709,000 | 4,044 |
| Average earning assets | $134,440,250 | 3,980 |
| Average equity | $12,877,500 | 4,462 |
| Average total loans | $60,687,000 | 5,115 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2697% | 7,092 |
| Cost of funding earning assets | 0.7611% | 7,032 |
| Net interest margin | 3.5086% | 5,212 |
| Noninterest income to average assets | 1.0208% | 1,317 |
| Noninterest expense to average assets | 2.7678% | 4,629 |
| Loan and lease loss provision to assets | 0.0110% | 6,795 |
| Net operating income to assets | 0.9469% | 2,378 |
| Return on assets (ROA) | 0.9495% | 2,459 |
| Pretax return on assets | 1.4990% | 1,558 |
| Return on Equity (ROE) | 10.7342% | 1,843 |
| Retained earnings to average equity (ytd only) | 0.2788% | 5,644 |
| Net charge-offs to loans | 0.2480% | 4,104 |
| Credit loss provision to net charge-offs | 10.5263% | 5,934 |
| Earnings coverage of net charge-offs (x) | 14.4605% | 1,517 |
| Efficiency ratio | 64.7643% | 5,193 |
| Assets per employee ($millions) | 4.6585% | 2,635 |
| Cash dividends to net income (ytd only)* | 97.4026% | 493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9732% | 2,249 |
| Loan loss allowance to noncurrent loans | 151.3076% | 1,846 |
| Noncurrent assets plus other real estate owned to assets | 0.7943% | 5,523 |
| Noncurrent loans to loans | 1.3041% | 4,771 |
| Net loans and leases to total assets | 41.7964% | 7,051 |
| Net loans and leases to deposits | 55.1390% | 6,788 |
| Net loans and leases to core deposits | 60.7398% | 6,656 |
| Total domestic deposits to total assets | 75.8019% | 6,728 |
| Equity capital to assets | 8.8718% | 5,640 |
| Core capital (leverage) ratio | 8.5445% | 5,337 |
| Tier 1 risk-based capital ratio | 11.9593% | 5,346 |
| Total risk-based capital ratio | 13.1521% | 5,375 |
| Memoranda: | ||
| Average total assets | $145,964,670 | 4,033 |
| Average earning assets | $135,326,330 | 3,992 |
| Average equity | $12,912,000 | 4,455 |
| Average total loans | $61,278,000 | 5,123 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3416% | 7,076 |
| Cost of funding earning assets | 0.8101% | 7,059 |
| Net interest margin | 3.5315% | 5,031 |
| Noninterest income to average assets | 1.0931% | 1,054 |
| Noninterest expense to average assets | 2.8213% | 4,401 |
| Loan and lease loss provision to assets | 0.0082% | 6,517 |
| Net operating income to assets | 0.9268% | 2,443 |
| Return on assets (ROA) | 0.9268% | 2,507 |
| Pretax return on assets | 1.4720% | 1,589 |
| Return on Equity (ROE) | 10.4922% | 1,951 |
| Retained earnings to average equity (ytd only) | 0.4629% | 5,649 |
| Net charge-offs to loans | 0.0523% | 4,883 |
| Credit loss provision to net charge-offs | 37.5000% | 4,678 |
| Earnings coverage of net charge-offs (x) | 67.8750% | 448 |
| Efficiency ratio | 65.5894% | 5,209 |
| Assets per employee ($millions) | 4.5186% | 2,922 |
| Cash dividends to net income (ytd only)* | 95.5882% | 635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1148% | 1,927 |
| Loan loss allowance to noncurrent loans | 76.2075% | 3,561 |
| Noncurrent assets plus other real estate owned to assets | 1.1598% | 4,850 |
| Noncurrent loans to loans | 2.7751% | 2,880 |
| Net loans and leases to total assets | 40.9097% | 7,191 |
| Net loans and leases to deposits | 55.3903% | 6,818 |
| Net loans and leases to core deposits | 58.5586% | 6,844 |
| Total domestic deposits to total assets | 73.8571% | 7,065 |
| Equity capital to assets | 8.9374% | 5,374 |
| Core capital (leverage) ratio | 8.2740% | 5,791 |
| Tier 1 risk-based capital ratio | 12.2776% | 4,916 |
| Total risk-based capital ratio | 13.5284% | 4,886 |
| Memoranda: | ||
| Average total assets | $146,741,000 | 4,075 |
| Average earning assets | $133,314,500 | 4,094 |
| Average equity | $12,962,000 | 4,484 |
| Average total loans | $61,130,000 | 5,203 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5320% | 7,355 |
| Cost of funding earning assets | 1.3088% | 6,277 |
| Net interest margin | 3.2232% | 6,016 |
| Noninterest income to average assets | 1.0553% | 1,389 |
| Noninterest expense to average assets | 2.5333% | 6,017 |
| Loan and lease loss provision to assets | 0.0321% | 7,210 |
| Net operating income to assets | 0.9831% | 1,899 |
| Return on assets (ROA) | 0.9831% | 1,950 |
| Pretax return on assets | 1.5609% | 1,051 |
| Return on Equity (ROE) | 11.2026% | 1,375 |
| Retained earnings to average equity (ytd only) | 0.3577% | 4,706 |
| Net charge-offs to loans | 0.0775% | 6,337 |
| Credit loss provision to net charge-offs | 96.0000% | 5,779 |
| Earnings coverage of net charge-offs (x) | 47.7000% | 538 |
| Efficiency ratio | 61.3953% | 6,265 |
| Assets per employee ($millions) | 4.5118% | 2,904 |
| Cash dividends to net income (ytd only)* | 96.8071% | 702 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0751% | 1,867 |
| Loan loss allowance to noncurrent loans | 92.5685% | 3,023 |
| Noncurrent assets plus other real estate owned to assets | 0.9309% | 5,242 |
| Noncurrent loans to loans | 2.2417% | 3,350 |
| Net loans and leases to total assets | 40.6655% | 7,315 |
| Net loans and leases to deposits | 50.4138% | 7,240 |
| Net loans and leases to core deposits | 56.3848% | 7,393 |
| Total domestic deposits to total assets | 80.6633% | 5,452 |
| Equity capital to assets | 8.7321% | 5,546 |
| Core capital (leverage) ratio | 8.6436% | 5,026 |
| Tier 1 risk-based capital ratio | 12.5107% | 4,513 |
| Total risk-based capital ratio | 13.7613% | 4,463 |
| Memoranda: | ||
| Average total assets | $149,723,600 | 3,962 |
| Average earning assets | $142,653,000 | 3,847 |
| Average equity | $13,139,800 | 4,480 |
| Average total loans | $64,536,600 | 5,084 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5237% | 7,485 |
| Cost of funding earning assets | 1.3771% | 6,309 |
| Net interest margin | 3.1466% | 6,193 |
| Noninterest income to average assets | 1.0582% | 1,419 |
| Noninterest expense to average assets | 2.6874% | 5,381 |
| Loan and lease loss provision to assets | 0.0071% | 7,249 |
| Net operating income to assets | 0.8857% | 2,467 |
| Return on assets (ROA) | 0.8857% | 2,548 |
| Pretax return on assets | 1.4015% | 1,691 |
| Return on Equity (ROE) | 10.0799% | 1,886 |
| Retained earnings to average equity (ytd only) | 0.2125% | 5,110 |
| Net charge-offs to loans | -0.4375% | 8,020 |
| Credit loss provision to net charge-offs | -3.7383% | 7,167 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6101% | 5,440 |
| Assets per employee ($millions) | 4.5099% | 2,846 |
| Cash dividends to net income (ytd only)* | 97.8915% | 603 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5107% | 1,050 |
| Loan loss allowance to noncurrent loans | 320.6383% | 953 |
| Noncurrent assets plus other real estate owned to assets | 0.3257% | 6,664 |
| Noncurrent loans to loans | 0.7830% | 5,734 |
| Net loans and leases to total assets | 40.5478% | 7,439 |
| Net loans and leases to deposits | 51.6798% | 7,316 |
| Net loans and leases to core deposits | 60.0532% | 7,396 |
| Total domestic deposits to total assets | 78.4598% | 5,963 |
| Equity capital to assets | 9.1265% | 5,294 |
| Core capital (leverage) ratio | 8.4314% | 5,614 |
| Tier 1 risk-based capital ratio | 12.9031% | 4,265 |
| Total risk-based capital ratio | 14.1578% | 4,194 |
| Memoranda: | ||
| Average total assets | $149,932,500 | 3,981 |
| Average earning assets | $144,744,000 | 3,823 |
| Average equity | $13,174,500 | 4,494 |
| Average total loans | $65,213,500 | 5,098 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5166% | 7,615 |
| Cost of funding earning assets | 1.4189% | 6,419 |
| Net interest margin | 3.0977% | 6,248 |
| Noninterest income to average assets | 1.1199% | 1,259 |
| Noninterest expense to average assets | 2.6692% | 5,492 |
| Loan and lease loss provision to assets | 0.0026% | 7,144 |
| Net operating income to assets | 0.9130% | 2,404 |
| Return on assets (ROA) | 0.9130% | 2,500 |
| Pretax return on assets | 1.4479% | 1,594 |
| Return on Equity (ROE) | 10.5194% | 1,840 |
| Retained earnings to average equity (ytd only) | 0.2732% | 5,107 |
| Net charge-offs to loans | -0.0299% | 7,780 |
| Credit loss provision to net charge-offs | -20.0000% | 6,895 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7905% | 5,760 |
| Assets per employee ($millions) | 4.4244% | 2,891 |
| Cash dividends to net income (ytd only)* | 97.4026% | 755 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0320% | 1,511 |
| Loan loss allowance to noncurrent loans | 888.3562% | 390 |
| Noncurrent assets plus other real estate owned to assets | 0.1090% | 7,296 |
| Noncurrent loans to loans | 0.2287% | 6,936 |
| Net loans and leases to total assets | 41.5686% | 7,475 |
| Net loans and leases to deposits | 54.3048% | 7,254 |
| Net loans and leases to core deposits | 62.3655% | 7,367 |
| Total domestic deposits to total assets | 76.5467% | 6,426 |
| Equity capital to assets | 8.7535% | 5,678 |
| Core capital (leverage) ratio | 8.1466% | 6,086 |
| Tier 1 risk-based capital ratio | 13.2666% | 3,962 |
| Total risk-based capital ratio | 14.5192% | 3,879 |
| Memoranda: | ||
| Average total assets | $151,804,670 | 3,962 |
| Average earning assets | $147,012,670 | 3,797 |
| Average equity | $13,175,670 | 4,501 |
| Average total loans | $66,943,330 | 5,072 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5667% | 7,650 |
| Cost of funding earning assets | 1.4563% | 6,556 |
| Net interest margin | 3.1105% | 6,165 |
| Noninterest income to average assets | 1.1017% | 1,231 |
| Noninterest expense to average assets | 2.5392% | 5,692 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.9915% | 2,348 |
| Return on assets (ROA) | 0.9915% | 2,483 |
| Pretax return on assets | 1.5712% | 1,479 |
| Return on Equity (ROE) | 11.4724% | 1,824 |
| Retained earnings to average equity (ytd only) | 0.0911% | 5,623 |
| Net charge-offs to loans | -0.2511% | 8,042 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7741% | 6,100 |
| Assets per employee ($millions) | 4.5539% | 2,638 |
| Cash dividends to net income (ytd only)* | 99.2063% | 770 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9366% | 1,545 |
| Loan loss allowance to noncurrent loans | 1,088.5246% | 377 |
| Noncurrent assets plus other real estate owned to assets | 0.1098% | 7,262 |
| Noncurrent loans to loans | 0.1779% | 7,017 |
| Net loans and leases to total assets | 43.4310% | 7,384 |
| Net loans and leases to deposits | 58.2736% | 7,017 |
| Net loans and leases to core deposits | 66.6660% | 7,212 |
| Total domestic deposits to total assets | 74.5295% | 6,798 |
| Equity capital to assets | 8.5007% | 6,068 |
| Core capital (leverage) ratio | 7.8642% | 6,673 |
| Tier 1 risk-based capital ratio | 13.5862% | 3,808 |
| Total risk-based capital ratio | 14.8395% | 3,729 |
| Memoranda: | ||
| Average total assets | $152,491,500 | 3,970 |
| Average earning assets | $147,501,000 | 3,800 |
| Average equity | $13,179,500 | 4,540 |
| Average total loans | $68,500,500 | 5,034 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3900% | 7,473 |
| Cost of funding earning assets | 2.0264% | 6,326 |
| Net interest margin | 3.3636% | 5,805 |
| Noninterest income to average assets | 1.0644% | 1,387 |
| Noninterest expense to average assets | 2.6131% | 5,601 |
| Loan and lease loss provision to assets | 0.0863% | 6,302 |
| Net operating income to assets | 1.0106% | 2,507 |
| Return on assets (ROA) | 1.0106% | 2,393 |
| Pretax return on assets | 1.5999% | 1,385 |
| Return on Equity (ROE) | 11.7603% | 1,665 |
| Retained earnings to average equity (ytd only) | 0.3706% | 5,020 |
| Net charge-offs to loans | 0.1042% | 5,266 |
| Credit loss provision to net charge-offs | 185.7143% | 2,666 |
| Earnings coverage of net charge-offs (x) | 36.3000% | 1,012 |
| Efficiency ratio | 60.7810% | 6,205 |
| Assets per employee ($millions) | 4.2900% | 2,975 |
| Cash dividends to net income (ytd only)* | 96.8483% | 1,081 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8779% | 1,467 |
| Loan loss allowance to noncurrent loans | 3,671.4286% | 173 |
| Noncurrent assets plus other real estate owned to assets | 0.0546% | 7,359 |
| Noncurrent loans to loans | 0.0511% | 7,304 |
| Net loans and leases to total assets | 44.7169% | 7,422 |
| Net loans and leases to deposits | 55.8837% | 7,328 |
| Net loans and leases to core deposits | 62.6208% | 7,491 |
| Total domestic deposits to total assets | 80.0178% | 5,015 |
| Equity capital to assets | 8.7893% | 5,671 |
| Core capital (leverage) ratio | 8.5186% | 5,543 |
| Tier 1 risk-based capital ratio | 13.4974% | 3,822 |
| Total risk-based capital ratio | 14.7494% | 3,719 |
| Memoranda: | ||
| Average total assets | $150,699,400 | 3,884 |
| Average earning assets | $144,934,600 | 3,741 |
| Average equity | $12,950,400 | 4,592 |
| Average total loans | $67,179,200 | 4,970 |