Home > First Madison Bank & Trust > Performance and Condition Ratios
First Madison Bank & Trust, Performance and Condition Ratios
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8866% | 267 |
| Cost of funding earning assets | 1.1813% | 951 |
| Net interest margin | 4.7054% | 488 |
| Noninterest income to average assets | 0.5498% | 2,288 |
| Noninterest expense to average assets | 2.2135% | 4,228 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.8980% | 463 |
| Return on assets (ROA) | 1.8980% | 479 |
| Pretax return on assets | 2.5068% | 244 |
| Return on Equity (ROE) | 15.8228% | 611 |
| Retained earnings to average equity (ytd only) | -5.8057% | 4,969 |
| Net charge-offs to loans | -0.0020% | 3,857 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.8940% | 4,987 |
| Assets per employee ($millions) | 6.9626% | 1,014 |
| Cash dividends to net income (ytd only)* | 136.6919% | 380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1817% | 112 |
| Loan loss allowance to noncurrent loans | 105,616.6667% | 5 |
| Noncurrent assets plus other real estate owned to assets | 0.0025% | 4,885 |
| Noncurrent loans to loans | 0.0030% | 4,795 |
| Net loans and leases to total assets | 79.1302% | 971 |
| Net loans and leases to deposits | 90.4976% | 1,569 |
| Net loans and leases to core deposits | 113.1383% | 778 |
| Total domestic deposits to total assets | 87.4391% | 1,594 |
| Equity capital to assets | 12.2655% | 1,867 |
| Core capital (leverage) ratio | 12.0458% | 1,744 |
| Tier 1 risk-based capital ratio | 16.4401% | 2,292 |
| Total risk-based capital ratio | 17.7172% | 2,224 |
| Memoranda: | ||
| Average total assets | $251,001,500 | 2,500 |
| Average earning assets | $222,470,000 | 2,571 |
| Average equity | $30,108,500 | 2,403 |
| Average total loans | $200,678,500 | 2,208 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4228% | 466 |
| Cost of funding earning assets | 0.9569% | 901 |
| Net interest margin | 4.4660% | 815 |
| Noninterest income to average assets | 0.6173% | 2,204 |
| Noninterest expense to average assets | 2.0598% | 4,634 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.9493% | 394 |
| Return on assets (ROA) | 1.9493% | 394 |
| Pretax return on assets | 2.5560% | 186 |
| Return on Equity (ROE) | 16.1708% | 594 |
| Retained earnings to average equity (ytd only) | 11.5592% | 370 |
| Net charge-offs to loans | 0.0228% | 2,956 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 139.3256% | 587 |
| Efficiency ratio | 44.6252% | 5,160 |
| Assets per employee ($millions) | 7.3803% | 839 |
| Cash dividends to net income (ytd only)* | 28.5183% | 3,107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1337% | 110 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 75.8195% | 1,642 |
| Net loans and leases to deposits | 92.1270% | 1,533 |
| Net loans and leases to core deposits | 111.7400% | 895 |
| Total domestic deposits to total assets | 82.2989% | 3,554 |
| Equity capital to assets | 11.7405% | 2,070 |
| Core capital (leverage) ratio | 11.6282% | 2,006 |
| Tier 1 risk-based capital ratio | 16.3657% | 2,281 |
| Total risk-based capital ratio | 17.6420% | 2,210 |
| Memoranda: | ||
| Average total assets | $234,393,200 | 2,579 |
| Average earning assets | $209,853,400 | 2,637 |
| Average equity | $28,254,600 | 2,445 |
| Average total loans | $188,216,400 | 2,264 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3405% | 489 |
| Cost of funding earning assets | 0.8596% | 1,074 |
| Net interest margin | 4.4809% | 768 |
| Noninterest income to average assets | 0.6100% | 2,258 |
| Noninterest expense to average assets | 2.0179% | 4,705 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.9730% | 407 |
| Return on assets (ROA) | 1.9730% | 402 |
| Pretax return on assets | 2.6086% | 192 |
| Return on Equity (ROE) | 16.2477% | 655 |
| Retained earnings to average equity (ytd only) | 9.9842% | 928 |
| Net charge-offs to loans | 0.0195% | 2,755 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 165.5144% | 502 |
| Efficiency ratio | 43.6159% | 5,228 |
| Assets per employee ($millions) | 7.1181% | 895 |
| Cash dividends to net income (ytd only)* | 38.5503% | 2,132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1371% | 121 |
| Loan loss allowance to noncurrent loans | 158,800.0000% | 2 |
| Noncurrent assets plus other real estate owned to assets | 0.0016% | 5,036 |
| Noncurrent loans to loans | 0.0020% | 4,944 |
| Net loans and leases to total assets | 78.7246% | 1,212 |
| Net loans and leases to deposits | 95.8625% | 1,172 |
| Net loans and leases to core deposits | 109.6201% | 1,061 |
| Total domestic deposits to total assets | 82.1224% | 3,574 |
| Equity capital to assets | 11.6962% | 2,107 |
| Core capital (leverage) ratio | 12.0241% | 1,772 |
| Tier 1 risk-based capital ratio | 15.9092% | 2,480 |
| Total risk-based capital ratio | 17.1863% | 2,407 |
| Memoranda: | ||
| Average total assets | $228,413,750 | 2,637 |
| Average earning assets | $204,744,250 | 2,698 |
| Average equity | $27,736,500 | 2,480 |
| Average total loans | $184,724,000 | 2,309 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3070% | 463 |
| Cost of funding earning assets | 0.7912% | 1,167 |
| Net interest margin | 4.5158% | 677 |
| Noninterest income to average assets | 0.6095% | 2,273 |
| Noninterest expense to average assets | 2.0406% | 4,718 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.9710% | 401 |
| Return on assets (ROA) | 1.9710% | 399 |
| Pretax return on assets | 2.6094% | 183 |
| Return on Equity (ROE) | 16.0109% | 672 |
| Retained earnings to average equity (ytd only) | 6.4542% | 2,328 |
| Net charge-offs to loans | 0.0358% | 2,135 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 90.3125% | 746 |
| Efficiency ratio | 43.8835% | 5,286 |
| Assets per employee ($millions) | 8.5313% | 517 |
| Cash dividends to net income (ytd only)* | 59.6885% | 1,338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3459% | 98 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 76.7544% | 1,517 |
| Net loans and leases to deposits | 93.7486% | 1,386 |
| Net loans and leases to core deposits | 102.3536% | 1,537 |
| Total domestic deposits to total assets | 81.8725% | 3,761 |
| Equity capital to assets | 11.6973% | 2,068 |
| Core capital (leverage) ratio | 12.6014% | 1,382 |
| Tier 1 risk-based capital ratio | 15.3182% | 2,721 |
| Total risk-based capital ratio | 16.5956% | 2,644 |
| Memoranda: | ||
| Average total assets | $221,507,330 | 2,719 |
| Average earning assets | $198,192,000 | 2,772 |
| Average equity | $27,269,000 | 2,517 |
| Average total loans | $178,805,000 | 2,361 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3125% | 396 |
| Cost of funding earning assets | 0.7192% | 1,345 |
| Net interest margin | 4.5933% | 509 |
| Noninterest income to average assets | 0.6353% | 2,101 |
| Noninterest expense to average assets | 2.1088% | 4,638 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.9659% | 403 |
| Return on assets (ROA) | 1.9659% | 404 |
| Pretax return on assets | 2.6200% | 181 |
| Return on Equity (ROE) | 15.5351% | 701 |
| Retained earnings to average equity (ytd only) | -3.8169% | 5,128 |
| Net charge-offs to loans | 0.0185% | 2,137 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 174.2500% | 373 |
| Efficiency ratio | 44.5946% | 5,331 |
| Assets per employee ($millions) | 7.5908% | 740 |
| Cash dividends to net income (ytd only)* | 124.5698% | 417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5389% | 87 |
| Loan loss allowance to noncurrent loans | 318,600.0000% | 2 |
| Noncurrent assets plus other real estate owned to assets | 0.0009% | 5,148 |
| Noncurrent loans to loans | 0.0011% | 5,029 |
| Net loans and leases to total assets | 81.7166% | 695 |
| Net loans and leases to deposits | 93.5409% | 1,275 |
| Net loans and leases to core deposits | 102.2711% | 1,506 |
| Total domestic deposits to total assets | 87.3593% | 1,977 |
| Equity capital to assets | 12.6111% | 1,422 |
| Core capital (leverage) ratio | 12.7962% | 1,254 |
| Tier 1 risk-based capital ratio | 14.9108% | 2,906 |
| Total risk-based capital ratio | 16.1886% | 2,826 |
| Memoranda: | ||
| Average total assets | $212,823,500 | 2,813 |
| Average earning assets | $189,667,000 | 2,885 |
| Average equity | $26,932,500 | 2,559 |
| Average total loans | $173,360,500 | 2,433 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2851% | 377 |
| Cost of funding earning assets | 0.7556% | 801 |
| Net interest margin | 4.5295% | 574 |
| Noninterest income to average assets | 0.7027% | 1,951 |
| Noninterest expense to average assets | 2.1087% | 4,744 |
| Loan and lease loss provision to assets | -0.5909% | 5,655 |
| Net operating income to assets | 1.7235% | 504 |
| Return on assets (ROA) | 1.7235% | 515 |
| Pretax return on assets | 3.2019% | 87 |
| Return on Equity (ROE) | 13.9136% | 772 |
| Retained earnings to average equity (ytd only) | 9.8189% | 382 |
| Net charge-offs to loans | 0.1330% | 1,722 |
| Credit loss provision to net charge-offs | -567.7570% | 4,968 |
| Earnings coverage of net charge-offs (x) | 25.0888% | 1,730 |
| Efficiency ratio | 44.6780% | 5,432 |
| Assets per employee ($millions) | 7.6109% | 734 |
| Cash dividends to net income (ytd only)* | 29.4300% | 3,323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8280% | 68 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 75.2149% | 1,721 |
| Net loans and leases to deposits | 89.3909% | 1,846 |
| Net loans and leases to core deposits | 97.6937% | 1,885 |
| Total domestic deposits to total assets | 84.1415% | 3,152 |
| Equity capital to assets | 12.6985% | 1,408 |
| Core capital (leverage) ratio | 12.7074% | 1,261 |
| Tier 1 risk-based capital ratio | 16.2720% | 2,339 |
| Total risk-based capital ratio | 17.5540% | 2,269 |
| Memoranda: | ||
| Average total assets | $205,627,000 | 2,866 |
| Average earning assets | $182,361,000 | 2,939 |
| Average equity | $25,471,400 | 2,643 |
| Average total loans | $160,930,600 | 2,538 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2624% | 373 |
| Cost of funding earning assets | 0.7467% | 769 |
| Net interest margin | 4.5157% | 580 |
| Noninterest income to average assets | 0.7178% | 1,920 |
| Noninterest expense to average assets | 2.1077% | 4,719 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.6928% | 586 |
| Return on assets (ROA) | 1.6928% | 599 |
| Pretax return on assets | 2.6109% | 178 |
| Return on Equity (ROE) | 13.7563% | 885 |
| Retained earnings to average equity (ytd only) | 8.2102% | 1,131 |
| Net charge-offs to loans | 0.1647% | 1,256 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 20.2538% | 1,961 |
| Efficiency ratio | 44.6679% | 5,463 |
| Assets per employee ($millions) | 7.7927% | 685 |
| Cash dividends to net income (ytd only)* | 40.3169% | 2,270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5955% | 48 |
| Loan loss allowance to noncurrent loans | 11,709.2308% | 74 |
| Noncurrent assets plus other real estate owned to assets | 0.0309% | 5,086 |
| Noncurrent loans to loans | 0.0392% | 4,939 |
| Net loans and leases to total assets | 75.0972% | 1,743 |
| Net loans and leases to deposits | 88.4385% | 1,996 |
| Net loans and leases to core deposits | 95.6713% | 2,112 |
| Total domestic deposits to total assets | 84.9146% | 2,749 |
| Equity capital to assets | 12.4067% | 1,715 |
| Core capital (leverage) ratio | 12.5092% | 1,412 |
| Tier 1 risk-based capital ratio | 15.8580% | 2,567 |
| Total risk-based capital ratio | 17.1495% | 2,480 |
| Memoranda: | ||
| Average total assets | $203,757,750 | 2,908 |
| Average earning assets | $180,521,000 | 2,984 |
| Average equity | $25,074,000 | 2,692 |
| Average total loans | $159,496,750 | 2,572 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2259% | 374 |
| Cost of funding earning assets | 0.7339% | 748 |
| Net interest margin | 4.4920% | 574 |
| Noninterest income to average assets | 0.7651% | 1,705 |
| Noninterest expense to average assets | 2.1276% | 4,721 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.6820% | 584 |
| Return on assets (ROA) | 1.6820% | 600 |
| Pretax return on assets | 2.6099% | 180 |
| Return on Equity (ROE) | 13.7077% | 868 |
| Retained earnings to average equity (ytd only) | 5.2728% | 2,532 |
| Net charge-offs to loans | 0.2147% | 952 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 15.5621% | 2,021 |
| Efficiency ratio | 44.9099% | 5,495 |
| Assets per employee ($millions) | 7.9570% | 630 |
| Cash dividends to net income (ytd only)* | 61.5339% | 1,427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7196% | 51 |
| Loan loss allowance to noncurrent loans | 26,344.8276% | 35 |
| Noncurrent assets plus other real estate owned to assets | 0.0140% | 5,234 |
| Noncurrent loans to loans | 0.0179% | 5,099 |
| Net loans and leases to total assets | 74.5532% | 1,771 |
| Net loans and leases to deposits | 87.6551% | 2,030 |
| Net loans and leases to core deposits | 94.5410% | 2,107 |
| Total domestic deposits to total assets | 85.0529% | 2,786 |
| Equity capital to assets | 12.1866% | 1,797 |
| Core capital (leverage) ratio | 12.4022% | 1,415 |
| Tier 1 risk-based capital ratio | 15.7328% | 2,608 |
| Total risk-based capital ratio | 17.0258% | 2,528 |
| Memoranda: | ||
| Average total assets | $201,543,000 | 2,954 |
| Average earning assets | $178,226,000 | 3,018 |
| Average equity | $24,730,670 | 2,721 |
| Average total loans | $157,456,670 | 2,597 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1687% | 400 |
| Cost of funding earning assets | 0.7312% | 717 |
| Net interest margin | 4.4374% | 593 |
| Noninterest income to average assets | 0.9413% | 1,130 |
| Noninterest expense to average assets | 2.0837% | 4,884 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.8142% | 436 |
| Return on assets (ROA) | 1.8142% | 446 |
| Pretax return on assets | 2.7877% | 156 |
| Return on Equity (ROE) | 14.7325% | 683 |
| Retained earnings to average equity (ytd only) | -2.3030% | 5,199 |
| Net charge-offs to loans | 0.2422% | 741 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 14.7447% | 1,711 |
| Efficiency ratio | 42.7746% | 5,632 |
| Assets per employee ($millions) | 7.5014% | 757 |
| Cash dividends to net income (ytd only)* | 115.6319% | 572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9001% | 50 |
| Loan loss allowance to noncurrent loans | 17,939.5349% | 56 |
| Noncurrent assets plus other real estate owned to assets | 0.0212% | 5,250 |
| Noncurrent loans to loans | 0.0273% | 5,112 |
| Net loans and leases to total assets | 73.9183% | 1,755 |
| Net loans and leases to deposits | 87.0803% | 1,903 |
| Net loans and leases to core deposits | 93.5753% | 2,015 |
| Total domestic deposits to total assets | 84.8852% | 3,131 |
| Equity capital to assets | 12.0571% | 1,793 |
| Core capital (leverage) ratio | 12.3137% | 1,437 |
| Tier 1 risk-based capital ratio | 15.8878% | 2,594 |
| Total risk-based capital ratio | 17.1838% | 2,522 |
| Memoranda: | ||
| Average total assets | $198,873,000 | 3,008 |
| Average earning assets | $176,138,000 | 3,070 |
| Average equity | $24,490,000 | 2,750 |
| Average total loans | $155,246,000 | 2,634 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4271% | 278 |
| Cost of funding earning assets | 0.7492% | 637 |
| Net interest margin | 4.6779% | 438 |
| Noninterest income to average assets | 0.6465% | 2,433 |
| Noninterest expense to average assets | 2.1276% | 4,948 |
| Loan and lease loss provision to assets | 0.1739% | 1,392 |
| Net operating income to assets | 1.5900% | 698 |
| Return on assets (ROA) | 1.5900% | 723 |
| Pretax return on assets | 2.4802% | 210 |
| Return on Equity (ROE) | 12.9337% | 1,006 |
| Retained earnings to average equity (ytd only) | 9.5756% | 482 |
| Net charge-offs to loans | 0.0895% | 2,419 |
| Credit loss provision to net charge-offs | 243.7037% | 1,190 |
| Earnings coverage of net charge-offs (x) | 37.1926% | 1,241 |
| Efficiency ratio | 44.4948% | 5,680 |
| Assets per employee ($millions) | 7.8084% | 652 |
| Cash dividends to net income (ytd only)* | 25.9641% | 3,483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1011% | 43 |
| Loan loss allowance to noncurrent loans | 26,026.6667% | 31 |
| Noncurrent assets plus other real estate owned to assets | 0.0154% | 5,335 |
| Noncurrent loans to loans | 0.0196% | 5,200 |
| Net loans and leases to total assets | 74.4115% | 1,779 |
| Net loans and leases to deposits | 88.1324% | 1,908 |
| Net loans and leases to core deposits | 94.4178% | 2,065 |
| Total domestic deposits to total assets | 84.4316% | 3,260 |
| Equity capital to assets | 12.5814% | 1,471 |
| Core capital (leverage) ratio | 12.6905% | 1,257 |
| Tier 1 risk-based capital ratio | 16.3786% | 2,394 |
| Total risk-based capital ratio | 17.6770% | 2,316 |
| Memoranda: | ||
| Average total assets | $189,181,400 | 3,066 |
| Average earning assets | $167,234,800 | 3,150 |
| Average equity | $23,257,000 | 2,867 |
| Average total loans | $150,869,400 | 2,629 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4652% | 264 |
| Cost of funding earning assets | 0.7474% | 643 |
| Net interest margin | 4.7177% | 421 |
| Noninterest income to average assets | 0.6685% | 2,323 |
| Noninterest expense to average assets | 2.1221% | 4,966 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.6994% | 591 |
| Return on assets (ROA) | 1.6994% | 627 |
| Pretax return on assets | 2.7167% | 160 |
| Return on Equity (ROE) | 13.9079% | 841 |
| Retained earnings to average equity (ytd only) | 9.3669% | 720 |
| Net charge-offs to loans | 0.1215% | 1,743 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 27.9127% | 1,550 |
| Efficiency ratio | 43.8555% | 5,750 |
| Assets per employee ($millions) | 7.4295% | 741 |
| Cash dividends to net income (ytd only)* | 32.6506% | 2,710 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9056% | 42 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 75.0444% | 1,695 |
| Net loans and leases to deposits | 88.8035% | 1,917 |
| Net loans and leases to core deposits | 94.8524% | 2,118 |
| Total domestic deposits to total assets | 84.5062% | 3,028 |
| Equity capital to assets | 12.3929% | 1,841 |
| Core capital (leverage) ratio | 12.5284% | 1,390 |
| Tier 1 risk-based capital ratio | 17.3488% | 2,116 |
| Total risk-based capital ratio | 18.6489% | 2,064 |
| Memoranda: | ||
| Average total assets | $187,674,500 | 3,097 |
| Average earning assets | $165,894,250 | 3,180 |
| Average equity | $22,931,250 | 2,922 |
| Average total loans | $150,320,250 | 2,637 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5068% | 253 |
| Cost of funding earning assets | 0.7479% | 639 |
| Net interest margin | 4.7589% | 395 |
| Noninterest income to average assets | 0.5908% | 2,663 |
| Noninterest expense to average assets | 2.0996% | 5,060 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.6950% | 585 |
| Return on assets (ROA) | 1.6950% | 620 |
| Pretax return on assets | 2.6958% | 166 |
| Return on Equity (ROE) | 13.9409% | 842 |
| Retained earnings to average equity (ytd only) | 7.0280% | 1,586 |
| Net charge-offs to loans | 0.1310% | 1,542 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 25.5612% | 1,508 |
| Efficiency ratio | 43.7837% | 5,817 |
| Assets per employee ($millions) | 7.5656% | 681 |
| Cash dividends to net income (ytd only)* | 49.5873% | 1,991 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9782% | 46 |
| Loan loss allowance to noncurrent loans | 13,918.5185% | 51 |
| Noncurrent assets plus other real estate owned to assets | 0.0286% | 5,476 |
| Noncurrent loans to loans | 0.0358% | 5,326 |
| Net loans and leases to total assets | 75.8496% | 1,516 |
| Net loans and leases to deposits | 89.5921% | 1,798 |
| Net loans and leases to core deposits | 96.0267% | 1,973 |
| Total domestic deposits to total assets | 84.6611% | 3,018 |
| Equity capital to assets | 12.2264% | 1,957 |
| Core capital (leverage) ratio | 12.2736% | 1,472 |
| Tier 1 risk-based capital ratio | 17.0041% | 2,220 |
| Total risk-based capital ratio | 18.3072% | 2,153 |
| Memoranda: | ||
| Average total assets | $185,843,670 | 3,124 |
| Average earning assets | $164,196,670 | 3,219 |
| Average equity | $22,595,330 | 2,965 |
| Average total loans | $149,614,000 | 2,655 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5128% | 251 |
| Cost of funding earning assets | 0.7517% | 627 |
| Net interest margin | 4.7611% | 388 |
| Noninterest income to average assets | 0.5581% | 2,758 |
| Noninterest expense to average assets | 2.0761% | 5,160 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.6873% | 590 |
| Return on assets (ROA) | 1.6873% | 629 |
| Pretax return on assets | 2.6906% | 174 |
| Return on Equity (ROE) | 13.9182% | 854 |
| Retained earnings to average equity (ytd only) | -0.1433% | 5,128 |
| Net charge-offs to loans | 0.1370% | 1,288 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 24.2941% | 1,337 |
| Efficiency ratio | 43.5535% | 5,884 |
| Assets per employee ($millions) | 7.7773% | 614 |
| Cash dividends to net income (ytd only)* | 101.0296% | 698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0943% | 52 |
| Loan loss allowance to noncurrent loans | 3,062.3482% | 224 |
| Noncurrent assets plus other real estate owned to assets | 0.1323% | 5,048 |
| Noncurrent loans to loans | 0.1664% | 4,828 |
| Net loans and leases to total assets | 75.4949% | 1,470 |
| Net loans and leases to deposits | 89.1444% | 1,685 |
| Net loans and leases to core deposits | 95.6283% | 1,834 |
| Total domestic deposits to total assets | 84.6883% | 3,246 |
| Equity capital to assets | 11.9616% | 2,055 |
| Core capital (leverage) ratio | 12.0683% | 1,567 |
| Tier 1 risk-based capital ratio | 14.5647% | 3,362 |
| Total risk-based capital ratio | 15.8604% | 3,274 |
| Memoranda: | ||
| Average total assets | $184,195,500 | 3,156 |
| Average earning assets | $162,821,000 | 3,246 |
| Average equity | $22,330,500 | 2,987 |
| Average total loans | $148,932,000 | 2,669 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5737% | 244 |
| Cost of funding earning assets | 0.7601% | 606 |
| Net interest margin | 4.8135% | 361 |
| Noninterest income to average assets | 0.6776% | 2,306 |
| Noninterest expense to average assets | 2.1538% | 5,144 |
| Loan and lease loss provision to assets | 0.6393% | 161 |
| Net operating income to assets | 1.4260% | 997 |
| Return on assets (ROA) | 1.4271% | 1,026 |
| Pretax return on assets | 2.1264% | 404 |
| Return on Equity (ROE) | 11.8082% | 1,350 |
| Retained earnings to average equity (ytd only) | 8.8608% | 687 |
| Net charge-offs to loans | 0.1718% | 1,659 |
| Credit loss provision to net charge-offs | 459.0164% | 671 |
| Earnings coverage of net charge-offs (x) | 19.8443% | 1,917 |
| Efficiency ratio | 43.7957% | 5,985 |
| Assets per employee ($millions) | 7.5723% | 670 |
| Cash dividends to net income (ytd only)* | 24.9600% | 3,572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0976% | 49 |
| Loan loss allowance to noncurrent loans | 5,145.2703% | 166 |
| Noncurrent assets plus other real estate owned to assets | 0.0814% | 5,304 |
| Noncurrent loans to loans | 0.0991% | 5,105 |
| Net loans and leases to total assets | 78.0088% | 1,117 |
| Net loans and leases to deposits | 92.3625% | 1,361 |
| Net loans and leases to core deposits | 99.6766% | 1,530 |
| Total domestic deposits to total assets | 84.4593% | 3,306 |
| Equity capital to assets | 12.2893% | 1,752 |
| Core capital (leverage) ratio | 12.3885% | 1,404 |
| Tier 1 risk-based capital ratio | 14.2563% | 3,575 |
| Total risk-based capital ratio | 15.5505% | 3,464 |
| Memoranda: | ||
| Average total assets | $175,179,800 | 3,230 |
| Average earning assets | $154,314,400 | 3,337 |
| Average equity | $21,171,800 | 3,052 |
| Average total loans | $142,053,800 | 2,701 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5225% | 254 |
| Cost of funding earning assets | 0.7610% | 617 |
| Net interest margin | 4.7615% | 407 |
| Noninterest income to average assets | 0.5778% | 2,863 |
| Noninterest expense to average assets | 2.1574% | 5,147 |
| Loan and lease loss provision to assets | 0.3818% | 326 |
| Net operating income to assets | 1.5212% | 892 |
| Return on assets (ROA) | 1.5228% | 924 |
| Pretax return on assets | 2.2373% | 378 |
| Return on Equity (ROE) | 12.6554% | 1,210 |
| Retained earnings to average equity (ytd only) | 8.6710% | 1,015 |
| Net charge-offs to loans | 0.0333% | 3,253 |
| Credit loss provision to net charge-offs | 1,420.0000% | 257 |
| Earnings coverage of net charge-offs (x) | 97.3049% | 643 |
| Efficiency ratio | 45.1883% | 5,993 |
| Assets per employee ($millions) | 7.4863% | 693 |
| Cash dividends to net income (ytd only)* | 31.4834% | 2,754 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8475% | 61 |
| Loan loss allowance to noncurrent loans | 3,257.9186% | 227 |
| Noncurrent assets plus other real estate owned to assets | 0.1230% | 5,259 |
| Noncurrent loans to loans | 0.1488% | 5,047 |
| Net loans and leases to total assets | 78.6606% | 1,000 |
| Net loans and leases to deposits | 92.9913% | 1,305 |
| Net loans and leases to core deposits | 99.8989% | 1,526 |
| Total domestic deposits to total assets | 84.5891% | 3,181 |
| Equity capital to assets | 12.1427% | 2,004 |
| Core capital (leverage) ratio | 12.2866% | 1,522 |
| Tier 1 risk-based capital ratio | 13.9972% | 3,850 |
| Total risk-based capital ratio | 15.2884% | 3,768 |
| Memoranda: | ||
| Average total assets | $173,540,750 | 3,282 |
| Average earning assets | $152,945,750 | 3,381 |
| Average equity | $20,881,250 | 3,108 |
| Average total loans | $140,221,000 | 2,743 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4529% | 291 |
| Cost of funding earning assets | 0.7555% | 629 |
| Net interest margin | 4.6974% | 451 |
| Noninterest income to average assets | 0.5504% | 3,039 |
| Noninterest expense to average assets | 2.1283% | 5,277 |
| Loan and lease loss provision to assets | 0.2892% | 553 |
| Net operating income to assets | 1.5499% | 828 |
| Return on assets (ROA) | 1.5499% | 862 |
| Pretax return on assets | 2.2729% | 359 |
| Return on Equity (ROE) | 12.9222% | 1,131 |
| Retained earnings to average equity (ytd only) | 6.8549% | 1,768 |
| Net charge-offs to loans | -0.0204% | 5,183 |
| Credit loss provision to net charge-offs | -1,771.4286% | 5,465 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.3754% | 6,062 |
| Assets per employee ($millions) | 7.5975% | 639 |
| Cash dividends to net income (ytd only)* | 46.9526% | 2,065 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9554% | 62 |
| Loan loss allowance to noncurrent loans | 1,394.4223% | 417 |
| Noncurrent assets plus other real estate owned to assets | 0.2873% | 4,726 |
| Noncurrent loans to loans | 0.3554% | 4,431 |
| Net loans and leases to total assets | 76.8338% | 1,252 |
| Net loans and leases to deposits | 90.9954% | 1,485 |
| Net loans and leases to core deposits | 96.7717% | 1,733 |
| Total domestic deposits to total assets | 84.4371% | 3,377 |
| Equity capital to assets | 12.1139% | 1,941 |
| Core capital (leverage) ratio | 12.2690% | 1,502 |
| Tier 1 risk-based capital ratio | 14.2011% | 3,815 |
| Total risk-based capital ratio | 15.4933% | 3,721 |
| Memoranda: | ||
| Average total assets | $171,497,000 | 3,321 |
| Average earning assets | $151,148,670 | 3,433 |
| Average equity | $20,569,330 | 3,154 |
| Average total loans | $137,451,000 | 2,782 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4169% | 293 |
| Cost of funding earning assets | 0.7498% | 658 |
| Net interest margin | 4.6671% | 439 |
| Noninterest income to average assets | 0.5298% | 3,091 |
| Noninterest expense to average assets | 2.0627% | 5,466 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.8084% | 477 |
| Return on assets (ROA) | 1.8084% | 502 |
| Pretax return on assets | 2.5854% | 212 |
| Return on Equity (ROE) | 15.1554% | 689 |
| Retained earnings to average equity (ytd only) | 2.8416% | 4,263 |
| Net charge-offs to loans | -0.0148% | 4,903 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.3769% | 6,165 |
| Assets per employee ($millions) | 7.4707% | 684 |
| Cash dividends to net income (ytd only)* | 81.2500% | 954 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9538% | 70 |
| Loan loss allowance to noncurrent loans | 1,223.7750% | 454 |
| Noncurrent assets plus other real estate owned to assets | 0.3207% | 4,701 |
| Noncurrent loans to loans | 0.4048% | 4,378 |
| Net loans and leases to total assets | 75.2942% | 1,310 |
| Net loans and leases to deposits | 89.3529% | 1,450 |
| Net loans and leases to core deposits | 95.6873% | 1,636 |
| Total domestic deposits to total assets | 84.2661% | 3,709 |
| Equity capital to assets | 11.9993% | 2,030 |
| Core capital (leverage) ratio | 12.1867% | 1,518 |
| Tier 1 risk-based capital ratio | 14.3311% | 3,815 |
| Total risk-based capital ratio | 15.6232% | 3,709 |
| Memoranda: | ||
| Average total assets | $169,874,500 | 3,366 |
| Average earning assets | $149,900,000 | 3,469 |
| Average equity | $20,270,000 | 3,204 |
| Average total loans | $135,546,000 | 2,817 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6318% | 260 |
| Cost of funding earning assets | 0.7947% | 668 |
| Net interest margin | 4.8372% | 403 |
| Noninterest income to average assets | 0.5021% | 3,489 |
| Noninterest expense to average assets | 2.1046% | 5,563 |
| Loan and lease loss provision to assets | 0.7407% | 171 |
| Net operating income to assets | 1.2173% | 1,535 |
| Return on assets (ROA) | 1.2173% | 1,588 |
| Pretax return on assets | 1.9172% | 615 |
| Return on Equity (ROE) | 11.6626% | 1,502 |
| Retained earnings to average equity (ytd only) | 9.3418% | 633 |
| Net charge-offs to loans | 0.2591% | 1,662 |
| Credit loss provision to net charge-offs | 356.8915% | 736 |
| Earnings coverage of net charge-offs (x) | 12.8065% | 2,337 |
| Efficiency ratio | 44.1917% | 6,313 |
| Assets per employee ($millions) | 7.6329% | 619 |
| Cash dividends to net income (ytd only)* | 19.9000% | 3,816 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9921% | 76 |
| Loan loss allowance to noncurrent loans | 1,310.8949% | 479 |
| Noncurrent assets plus other real estate owned to assets | 0.3061% | 4,810 |
| Noncurrent loans to loans | 0.3808% | 4,497 |
| Net loans and leases to total assets | 76.3660% | 1,212 |
| Net loans and leases to deposits | 90.4261% | 1,478 |
| Net loans and leases to core deposits | 94.6929% | 1,848 |
| Total domestic deposits to total assets | 84.4512% | 3,531 |
| Equity capital to assets | 11.8638% | 2,118 |
| Core capital (leverage) ratio | 11.9494% | 1,660 |
| Tier 1 risk-based capital ratio | 14.8470% | 3,571 |
| Total risk-based capital ratio | 16.1435% | 3,480 |
| Memoranda: | ||
| Average total assets | $164,304,400 | 3,423 |
| Average earning assets | $144,712,800 | 3,527 |
| Average equity | $17,148,800 | 3,504 |
| Average total loans | $131,623,600 | 2,835 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6235% | 262 |
| Cost of funding earning assets | 0.7990% | 688 |
| Net interest margin | 4.8246% | 409 |
| Noninterest income to average assets | 0.5157% | 3,441 |
| Noninterest expense to average assets | 2.1036% | 5,559 |
| Loan and lease loss provision to assets | 0.5336% | 274 |
| Net operating income to assets | 1.3766% | 1,178 |
| Return on assets (ROA) | 1.3766% | 1,221 |
| Pretax return on assets | 2.1256% | 431 |
| Return on Equity (ROE) | 13.6689% | 1,057 |
| Retained earnings to average equity (ytd only) | 10.4440% | 609 |
| Net charge-offs to loans | 0.1335% | 2,452 |
| Credit loss provision to net charge-offs | 499.2366% | 578 |
| Earnings coverage of net charge-offs (x) | 24.8782% | 1,523 |
| Efficiency ratio | 44.1665% | 6,360 |
| Assets per employee ($millions) | 7.9388% | 540 |
| Cash dividends to net income (ytd only)* | 23.5920% | 3,074 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7248% | 95 |
| Loan loss allowance to noncurrent loans | 874.7945% | 636 |
| Noncurrent assets plus other real estate owned to assets | 0.4679% | 4,493 |
| Noncurrent loans to loans | 0.5401% | 4,315 |
| Net loans and leases to total assets | 77.2425% | 1,059 |
| Net loans and leases to deposits | 89.9442% | 1,435 |
| Net loans and leases to core deposits | 94.2040% | 1,842 |
| Total domestic deposits to total assets | 85.8782% | 2,914 |
| Equity capital to assets | 10.3801% | 3,699 |
| Core capital (leverage) ratio | 10.3209% | 3,265 |
| Tier 1 risk-based capital ratio | 12.9714% | 4,883 |
| Total risk-based capital ratio | 14.2648% | 4,783 |
| Memoranda: | ||
| Average total assets | $163,399,750 | 3,466 |
| Average earning assets | $143,844,000 | 3,573 |
| Average equity | $16,455,500 | 3,623 |
| Average total loans | $130,786,000 | 2,859 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5700% | 275 |
| Cost of funding earning assets | 0.7969% | 722 |
| Net interest margin | 4.7731% | 431 |
| Noninterest income to average assets | 0.4929% | 3,524 |
| Noninterest expense to average assets | 2.1073% | 5,612 |
| Loan and lease loss provision to assets | 0.4732% | 322 |
| Net operating income to assets | 1.3790% | 1,117 |
| Return on assets (ROA) | 1.3790% | 1,157 |
| Pretax return on assets | 2.1122% | 435 |
| Return on Equity (ROE) | 13.8385% | 987 |
| Retained earnings to average equity (ytd only) | 8.9165% | 1,017 |
| Net charge-offs to loans | 0.1191% | 2,477 |
| Credit loss provision to net charge-offs | 498.7013% | 597 |
| Earnings coverage of net charge-offs (x) | 27.2468% | 1,350 |
| Efficiency ratio | 44.9055% | 6,393 |
| Assets per employee ($millions) | 7.8957% | 525 |
| Cash dividends to net income (ytd only)* | 35.5675% | 2,585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6154% | 105 |
| Loan loss allowance to noncurrent loans | 1,216.9625% | 439 |
| Noncurrent assets plus other real estate owned to assets | 0.3359% | 5,037 |
| Noncurrent loans to loans | 0.3793% | 4,856 |
| Net loans and leases to total assets | 76.9025% | 1,062 |
| Net loans and leases to deposits | 89.2741% | 1,440 |
| Net loans and leases to core deposits | 93.5134% | 1,816 |
| Total domestic deposits to total assets | 86.1420% | 2,973 |
| Equity capital to assets | 10.0953% | 3,976 |
| Core capital (leverage) ratio | 10.1675% | 3,393 |
| Tier 1 risk-based capital ratio | 13.1139% | 4,840 |
| Total risk-based capital ratio | 14.4079% | 4,745 |
| Memoranda: | ||
| Average total assets | $162,295,000 | 3,507 |
| Average earning assets | $142,800,670 | 3,608 |
| Average equity | $16,172,330 | 3,667 |
| Average total loans | $129,328,000 | 2,881 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5324% | 278 |
| Cost of funding earning assets | 0.8021% | 738 |
| Net interest margin | 4.7304% | 436 |
| Noninterest income to average assets | 0.4435% | 3,836 |
| Noninterest expense to average assets | 2.0830% | 5,715 |
| Loan and lease loss provision to assets | 0.3962% | 424 |
| Net operating income to assets | 1.3878% | 1,011 |
| Return on assets (ROA) | 1.3878% | 1,054 |
| Pretax return on assets | 2.1229% | 412 |
| Return on Equity (ROE) | 14.0223% | 941 |
| Retained earnings to average equity (ytd only) | 4.0279% | 3,699 |
| Net charge-offs to loans | 0.0661% | 2,494 |
| Credit loss provision to net charge-offs | 757.1429% | 383 |
| Earnings coverage of net charge-offs (x) | 48.1429% | 770 |
| Efficiency ratio | 45.2626% | 6,450 |
| Assets per employee ($millions) | 7.7272% | 558 |
| Cash dividends to net income (ytd only)* | 71.2747% | 1,127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7105% | 110 |
| Loan loss allowance to noncurrent loans | 1,744.1860% | 325 |
| Noncurrent assets plus other real estate owned to assets | 0.2428% | 5,466 |
| Noncurrent loans to loans | 0.2701% | 5,294 |
| Net loans and leases to total assets | 74.7966% | 1,154 |
| Net loans and leases to deposits | 86.9130% | 1,477 |
| Net loans and leases to core deposits | 91.1394% | 1,811 |
| Total domestic deposits to total assets | 86.0592% | 3,338 |
| Equity capital to assets | 9.8464% | 4,038 |
| Core capital (leverage) ratio | 9.9263% | 3,667 |
| Tier 1 risk-based capital ratio | 13.0344% | 4,987 |
| Total risk-based capital ratio | 14.3293% | 4,896 |
| Memoranda: | ||
| Average total assets | $160,537,500 | 3,555 |
| Average earning assets | $141,131,000 | 3,650 |
| Average equity | $15,889,000 | 3,722 |
| Average total loans | $127,151,000 | 2,918 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6330% | 298 |
| Cost of funding earning assets | 0.8504% | 946 |
| Net interest margin | 4.7827% | 447 |
| Noninterest income to average assets | 0.5678% | 3,281 |
| Noninterest expense to average assets | 2.0598% | 5,909 |
| Loan and lease loss provision to assets | 1.1553% | 146 |
| Net operating income to assets | 1.0156% | 2,263 |
| Return on assets (ROA) | 1.0156% | 2,322 |
| Pretax return on assets | 1.5827% | 1,216 |
| Return on Equity (ROE) | 10.5653% | 1,904 |
| Retained earnings to average equity (ytd only) | 8.5743% | 885 |
| Net charge-offs to loans | 1.2058% | 438 |
| Credit loss provision to net charge-offs | 122.3649% | 1,939 |
| Earnings coverage of net charge-offs (x) | 2.9000% | 4,030 |
| Efficiency ratio | 42.9331% | 6,638 |
| Assets per employee ($millions) | 7.2183% | 681 |
| Cash dividends to net income (ytd only)* | 18.8442% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6184% | 119 |
| Loan loss allowance to noncurrent loans | 368.6792% | 1,250 |
| Noncurrent assets plus other real estate owned to assets | 1.2972% | 2,828 |
| Noncurrent loans to loans | 1.2527% | 3,033 |
| Net loans and leases to total assets | 76.2366% | 1,038 |
| Net loans and leases to deposits | 88.6671% | 1,388 |
| Net loans and leases to core deposits | 93.2202% | 1,658 |
| Total domestic deposits to total assets | 85.9807% | 3,269 |
| Equity capital to assets | 9.9494% | 3,837 |
| Core capital (leverage) ratio | 9.9044% | 3,693 |
| Tier 1 risk-based capital ratio | 12.9485% | 5,013 |
| Total risk-based capital ratio | 14.2416% | 4,930 |
| Memoranda: | ||
| Average total assets | $156,759,000 | 3,607 |
| Average earning assets | $138,646,200 | 3,687 |
| Average equity | $15,068,200 | 3,856 |
| Average total loans | $122,742,200 | 2,988 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6074% | 320 |
| Cost of funding earning assets | 0.8552% | 1,022 |
| Net interest margin | 4.7523% | 468 |
| Noninterest income to average assets | 0.5760% | 3,296 |
| Noninterest expense to average assets | 1.9644% | 6,077 |
| Loan and lease loss provision to assets | 1.2254% | 114 |
| Net operating income to assets | 1.0223% | 2,289 |
| Return on assets (ROA) | 1.0223% | 2,372 |
| Pretax return on assets | 1.5923% | 1,351 |
| Return on Equity (ROE) | 10.7307% | 1,916 |
| Retained earnings to average equity (ytd only) | 8.0435% | 1,396 |
| Net charge-offs to loans | 1.4068% | 351 |
| Credit loss provision to net charge-offs | 111.8380% | 2,111 |
| Earnings coverage of net charge-offs (x) | 2.5716% | 3,979 |
| Efficiency ratio | 41.0778% | 6,728 |
| Assets per employee ($millions) | 7.1916% | 675 |
| Cash dividends to net income (ytd only)* | 25.0418% | 2,889 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5799% | 155 |
| Loan loss allowance to noncurrent loans | 1,018.6380% | 460 |
| Noncurrent assets plus other real estate owned to assets | 0.7047% | 4,345 |
| Noncurrent loans to loans | 0.4496% | 5,074 |
| Net loans and leases to total assets | 74.8489% | 1,151 |
| Net loans and leases to deposits | 86.9645% | 1,495 |
| Net loans and leases to core deposits | 91.2694% | 1,846 |
| Total domestic deposits to total assets | 86.0684% | 3,214 |
| Equity capital to assets | 9.7380% | 4,255 |
| Core capital (leverage) ratio | 9.7482% | 4,032 |
| Tier 1 risk-based capital ratio | 11.2188% | 6,179 |
| Total risk-based capital ratio | 12.4647% | 6,149 |
| Memoranda: | ||
| Average total assets | $156,248,000 | 3,646 |
| Average earning assets | $138,289,000 | 3,731 |
| Average equity | $14,885,250 | 3,937 |
| Average total loans | $121,695,750 | 3,025 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5780% | 338 |
| Cost of funding earning assets | 0.8546% | 1,120 |
| Net interest margin | 4.7234% | 487 |
| Noninterest income to average assets | 0.5939% | 3,230 |
| Noninterest expense to average assets | 1.8960% | 6,228 |
| Loan and lease loss provision to assets | 1.2803% | 123 |
| Net operating income to assets | 1.0129% | 2,278 |
| Return on assets (ROA) | 1.0129% | 2,406 |
| Pretax return on assets | 1.6093% | 1,344 |
| Return on Equity (ROE) | 10.7128% | 1,921 |
| Retained earnings to average equity (ytd only) | 6.6343% | 2,071 |
| Net charge-offs to loans | 1.8231% | 255 |
| Credit loss provision to net charge-offs | 90.3811% | 2,430 |
| Earnings coverage of net charge-offs (x) | 2.0399% | 3,837 |
| Efficiency ratio | 39.6186% | 6,811 |
| Assets per employee ($millions) | 7.5478% | 549 |
| Cash dividends to net income (ytd only)* | 38.0711% | 2,338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3445% | 193 |
| Loan loss allowance to noncurrent loans | 1,051.5504% | 443 |
| Noncurrent assets plus other real estate owned to assets | 0.6770% | 4,529 |
| Noncurrent loans to loans | 0.4132% | 5,224 |
| Net loans and leases to total assets | 75.3722% | 1,059 |
| Net loans and leases to deposits | 87.3227% | 1,423 |
| Net loans and leases to core deposits | 91.9749% | 1,713 |
| Total domestic deposits to total assets | 86.3145% | 3,197 |
| Equity capital to assets | 9.4591% | 4,634 |
| Core capital (leverage) ratio | 9.6287% | 4,035 |
| Tier 1 risk-based capital ratio | 12.1483% | 5,712 |
| Total risk-based capital ratio | 13.4371% | 5,633 |
| Memoranda: | ||
| Average total assets | $155,592,000 | 3,679 |
| Average earning assets | $138,077,670 | 3,751 |
| Average equity | $14,711,330 | 4,003 |
| Average total loans | $120,892,000 | 3,053 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5869% | 321 |
| Cost of funding earning assets | 0.8726% | 1,129 |
| Net interest margin | 4.7143% | 461 |
| Noninterest income to average assets | 0.6228% | 3,014 |
| Noninterest expense to average assets | 2.2058% | 5,674 |
| Loan and lease loss provision to assets | 1.0147% | 175 |
| Net operating income to assets | 0.9965% | 2,233 |
| Return on assets (ROA) | 0.9965% | 2,354 |
| Pretax return on assets | 1.5804% | 1,347 |
| Return on Equity (ROE) | 10.5418% | 1,861 |
| Retained earnings to average equity (ytd only) | 2.3060% | 4,871 |
| Net charge-offs to loans | 2.8463% | 130 |
| Credit loss provision to net charge-offs | 46.2175% | 2,657 |
| Earnings coverage of net charge-offs (x) | 1.1820% | 3,434 |
| Efficiency ratio | 45.9459% | 6,695 |
| Assets per employee ($millions) | 7.3562% | 646 |
| Cash dividends to net income (ytd only)* | 78.1250% | 923 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2767% | 230 |
| Loan loss allowance to noncurrent loans | 2,226.3158% | 237 |
| Noncurrent assets plus other real estate owned to assets | 0.4758% | 5,187 |
| Noncurrent loans to loans | 0.1921% | 5,921 |
| Net loans and leases to total assets | 73.5467% | 1,139 |
| Net loans and leases to deposits | 85.3414% | 1,440 |
| Net loans and leases to core deposits | 89.5339% | 1,750 |
| Total domestic deposits to total assets | 86.1794% | 3,431 |
| Equity capital to assets | 9.4621% | 4,900 |
| Core capital (leverage) ratio | 9.4892% | 4,104 |
| Tier 1 risk-based capital ratio | 11.3185% | 6,270 |
| Total risk-based capital ratio | 12.6012% | 6,234 |
| Memoranda: | ||
| Average total assets | $154,136,000 | 3,741 |
| Average earning assets | $136,604,500 | 3,817 |
| Average equity | $14,570,500 | 4,080 |
| Average total loans | $118,891,000 | 3,107 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5713% | 540 |
| Cost of funding earning assets | 1.0475% | 1,132 |
| Net interest margin | 4.5238% | 901 |
| Noninterest income to average assets | 0.4813% | 4,032 |
| Noninterest expense to average assets | 2.1437% | 6,041 |
| Loan and lease loss provision to assets | 1.2740% | 276 |
| Net operating income to assets | 0.7221% | 3,633 |
| Return on assets (ROA) | 0.8066% | 3,503 |
| Pretax return on assets | 1.2786% | 2,493 |
| Return on Equity (ROE) | 8.7167% | 2,780 |
| Retained earnings to average equity (ytd only) | 8.7167% | 905 |
| Net charge-offs to loans | 0.3116% | 3,088 |
| Credit loss provision to net charge-offs | 548.2857% | 444 |
| Earnings coverage of net charge-offs (x) | 10.4171% | 2,145 |
| Efficiency ratio | 46.9673% | 6,753 |
| Assets per employee ($millions) | 7.3234% | 673 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6443% | 170 |
| Loan loss allowance to noncurrent loans | 303.5675% | 1,283 |
| Noncurrent assets plus other real estate owned to assets | 1.5534% | 3,053 |
| Noncurrent loans to loans | 1.5299% | 3,313 |
| Net loans and leases to total assets | 73.8400% | 1,218 |
| Net loans and leases to deposits | 85.5765% | 1,566 |
| Net loans and leases to core deposits | 89.5111% | 1,892 |
| Total domestic deposits to total assets | 86.2854% | 3,211 |
| Equity capital to assets | 9.4439% | 4,945 |
| Core capital (leverage) ratio | 9.4443% | 4,191 |
| Tier 1 risk-based capital ratio | 12.8352% | 5,226 |
| Total risk-based capital ratio | 14.1297% | 5,134 |
| Memoranda: | ||
| Average total assets | $150,629,600 | 3,764 |
| Average earning assets | $135,947,200 | 3,793 |
| Average equity | $13,938,800 | 4,168 |
| Average total loans | $112,325,000 | 3,246 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5171% | 656 |
| Cost of funding earning assets | 1.0861% | 1,120 |
| Net interest margin | 4.4309% | 1,139 |
| Noninterest income to average assets | 0.4253% | 4,435 |
| Noninterest expense to average assets | 2.0706% | 6,222 |
| Loan and lease loss provision to assets | 1.2546% | 286 |
| Net operating income to assets | 0.7017% | 3,907 |
| Return on assets (ROA) | 0.8151% | 3,615 |
| Pretax return on assets | 1.2956% | 2,624 |
| Return on Equity (ROE) | 8.8548% | 2,875 |
| Retained earnings to average equity (ytd only) | 8.8548% | 1,286 |
| Net charge-offs to loans | 0.4218% | 2,410 |
| Credit loss provision to net charge-offs | 402.8571% | 668 |
| Earnings coverage of net charge-offs (x) | 7.6199% | 2,578 |
| Efficiency ratio | 46.5959% | 6,792 |
| Assets per employee ($millions) | 7.3416% | 628 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4568% | 216 |
| Loan loss allowance to noncurrent loans | 299.2849% | 1,244 |
| Noncurrent assets plus other real estate owned to assets | 2.4940% | 2,125 |
| Noncurrent loans to loans | 1.4892% | 3,554 |
| Net loans and leases to total assets | 69.8300% | 1,939 |
| Net loans and leases to deposits | 80.7366% | 2,283 |
| Net loans and leases to core deposits | 85.6442% | 2,511 |
| Total domestic deposits to total assets | 86.4911% | 2,988 |
| Equity capital to assets | 9.2299% | 5,559 |
| Core capital (leverage) ratio | 9.3396% | 4,517 |
| Tier 1 risk-based capital ratio | 13.2489% | 5,059 |
| Total risk-based capital ratio | 14.5404% | 4,994 |
| Memoranda: | ||
| Average total assets | $149,839,000 | 3,823 |
| Average earning assets | $135,890,500 | 3,834 |
| Average equity | $13,792,500 | 4,243 |
| Average total loans | $110,633,500 | 3,314 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5006% | 720 |
| Cost of funding earning assets | 1.1470% | 1,043 |
| Net interest margin | 4.3537% | 1,333 |
| Noninterest income to average assets | 0.4030% | 4,626 |
| Noninterest expense to average assets | 2.0729% | 6,286 |
| Loan and lease loss provision to assets | 1.2548% | 322 |
| Net operating income to assets | 0.6464% | 4,130 |
| Return on assets (ROA) | 0.8181% | 3,570 |
| Pretax return on assets | 1.3033% | 2,546 |
| Return on Equity (ROE) | 8.8959% | 2,856 |
| Retained earnings to average equity (ytd only) | 8.8959% | 1,308 |
| Net charge-offs to loans | 0.2783% | 2,928 |
| Credit loss provision to net charge-offs | 608.4967% | 512 |
| Earnings coverage of net charge-offs (x) | 11.1046% | 1,993 |
| Efficiency ratio | 47.5131% | 6,805 |
| Assets per employee ($millions) | 7.2605% | 644 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1913% | 300 |
| Loan loss allowance to noncurrent loans | 138.2619% | 2,406 |
| Noncurrent assets plus other real estate owned to assets | 2.6208% | 2,113 |
| Noncurrent loans to loans | 3.0314% | 1,945 |
| Net loans and leases to total assets | 71.0796% | 1,727 |
| Net loans and leases to deposits | 82.0992% | 2,096 |
| Net loans and leases to core deposits | 87.1280% | 2,300 |
| Total domestic deposits to total assets | 86.5777% | 3,027 |
| Equity capital to assets | 9.1211% | 5,559 |
| Core capital (leverage) ratio | 9.2854% | 4,472 |
| Tier 1 risk-based capital ratio | 13.2843% | 4,973 |
| Total risk-based capital ratio | 14.5746% | 4,913 |
| Memoranda: | ||
| Average total assets | $148,394,330 | 3,867 |
| Average earning assets | $134,966,000 | 3,867 |
| Average equity | $13,646,670 | 4,266 |
| Average total loans | $109,951,000 | 3,335 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5320% | 713 |
| Cost of funding earning assets | 1.1691% | 1,111 |
| Net interest margin | 4.3629% | 1,304 |
| Noninterest income to average assets | 0.4400% | 4,373 |
| Noninterest expense to average assets | 2.0689% | 6,340 |
| Loan and lease loss provision to assets | 1.0085% | 404 |
| Net operating income to assets | 0.8281% | 3,263 |
| Return on assets (ROA) | 0.8281% | 3,491 |
| Pretax return on assets | 1.3201% | 2,470 |
| Return on Equity (ROE) | 8.9668% | 2,851 |
| Retained earnings to average equity (ytd only) | 8.9668% | 1,608 |
| Net charge-offs to loans | 0.3691% | 2,204 |
| Credit loss provision to net charge-offs | 369.0000% | 844 |
| Earnings coverage of net charge-offs (x) | 8.5200% | 1,950 |
| Efficiency ratio | 47.0479% | 6,847 |
| Assets per employee ($millions) | 7.4348% | 613 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8758% | 409 |
| Loan loss allowance to noncurrent loans | 765.0995% | 485 |
| Noncurrent assets plus other real estate owned to assets | 0.7539% | 5,044 |
| Noncurrent loans to loans | 0.5066% | 5,658 |
| Net loans and leases to total assets | 70.5700% | 1,654 |
| Net loans and leases to deposits | 81.8895% | 1,948 |
| Net loans and leases to core deposits | 87.1726% | 2,153 |
| Total domestic deposits to total assets | 86.1771% | 3,426 |
| Equity capital to assets | 9.2007% | 5,231 |
| Core capital (leverage) ratio | 9.3829% | 4,220 |
| Tier 1 risk-based capital ratio | 13.3196% | 4,956 |
| Total risk-based capital ratio | 14.6051% | 4,919 |
| Memoranda: | ||
| Average total assets | $146,356,500 | 3,931 |
| Average earning assets | $132,755,000 | 3,928 |
| Average equity | $13,516,500 | 4,299 |
| Average total loans | $108,368,500 | 3,397 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9581% | 462 |
| Cost of funding earning assets | 1.5111% | 684 |
| Net interest margin | 4.4470% | 1,272 |
| Noninterest income to average assets | 0.3846% | 4,750 |
| Noninterest expense to average assets | 2.1106% | 6,474 |
| Loan and lease loss provision to assets | 1.5085% | 487 |
| Net operating income to assets | 0.4930% | 4,458 |
| Return on assets (ROA) | 0.7123% | 3,612 |
| Pretax return on assets | 1.1396% | 2,695 |
| Return on Equity (ROE) | 7.7784% | 3,023 |
| Retained earnings to average equity (ytd only) | 7.7784% | 1,162 |
| Net charge-offs to loans | 0.6654% | 2,492 |
| Credit loss provision to net charge-offs | 299.7175% | 785 |
| Earnings coverage of net charge-offs (x) | 4.5805% | 3,057 |
| Efficiency ratio | 47.7946% | 6,961 |
| Assets per employee ($millions) | 7.5799% | 556 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6831% | 473 |
| Loan loss allowance to noncurrent loans | 740.5607% | 508 |
| Noncurrent assets plus other real estate owned to assets | 0.9804% | 4,650 |
| Noncurrent loans to loans | 0.4973% | 5,713 |
| Net loans and leases to total assets | 71.9424% | 1,655 |
| Net loans and leases to deposits | 83.6448% | 1,965 |
| Net loans and leases to core deposits | 88.9784% | 2,255 |
| Total domestic deposits to total assets | 86.0094% | 3,319 |
| Equity capital to assets | 9.2711% | 5,180 |
| Core capital (leverage) ratio | 9.2673% | 4,376 |
| Tier 1 risk-based capital ratio | 13.4344% | 4,747 |
| Total risk-based capital ratio | 14.7071% | 4,693 |
| Memoranda: | ||
| Average total assets | $140,668,400 | 3,966 |
| Average earning assets | $127,524,200 | 3,984 |
| Average equity | $12,881,800 | 4,361 |
| Average total loans | $106,405,200 | 3,462 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9720% | 485 |
| Cost of funding earning assets | 1.6068% | 560 |
| Net interest margin | 4.3653% | 1,508 |
| Noninterest income to average assets | 0.4024% | 4,652 |
| Noninterest expense to average assets | 2.1301% | 6,454 |
| Loan and lease loss provision to assets | 1.6810% | 370 |
| Net operating income to assets | 0.3431% | 5,238 |
| Return on assets (ROA) | 0.6446% | 4,081 |
| Pretax return on assets | 1.0231% | 3,315 |
| Return on Equity (ROE) | 7.0612% | 3,501 |
| Retained earnings to average equity (ytd only) | 7.0612% | 1,936 |
| Net charge-offs to loans | 0.5202% | 2,672 |
| Credit loss provision to net charge-offs | 425.8454% | 663 |
| Earnings coverage of net charge-offs (x) | 5.6570% | 2,728 |
| Efficiency ratio | 48.8199% | 6,901 |
| Assets per employee ($millions) | 7.5521% | 565 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6153% | 513 |
| Loan loss allowance to noncurrent loans | 563.1503% | 598 |
| Noncurrent assets plus other real estate owned to assets | 0.9255% | 4,904 |
| Noncurrent loans to loans | 0.6420% | 5,605 |
| Net loans and leases to total assets | 72.4050% | 1,626 |
| Net loans and leases to deposits | 84.0879% | 1,989 |
| Net loans and leases to core deposits | 89.4620% | 2,316 |
| Total domestic deposits to total assets | 86.1063% | 3,168 |
| Equity capital to assets | 9.1135% | 5,625 |
| Core capital (leverage) ratio | 9.1330% | 4,737 |
| Tier 1 risk-based capital ratio | 12.7529% | 5,292 |
| Total risk-based capital ratio | 14.0346% | 5,249 |
| Memoranda: | ||
| Average total assets | $139,831,000 | 3,999 |
| Average earning assets | $126,877,000 | 4,015 |
| Average equity | $12,764,250 | 4,393 |
| Average total loans | $106,113,500 | 3,500 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9930% | 483 |
| Cost of funding earning assets | 1.7046% | 459 |
| Net interest margin | 4.2885% | 1,710 |
| Noninterest income to average assets | 0.4040% | 4,650 |
| Noninterest expense to average assets | 2.1052% | 6,582 |
| Loan and lease loss provision to assets | 1.1918% | 657 |
| Net operating income to assets | 0.6226% | 3,947 |
| Return on assets (ROA) | 0.8008% | 3,194 |
| Pretax return on assets | 1.2770% | 2,219 |
| Return on Equity (ROE) | 8.7678% | 2,613 |
| Retained earnings to average equity (ytd only) | 8.7678% | 1,189 |
| Net charge-offs to loans | 0.6518% | 2,217 |
| Credit loss provision to net charge-offs | 240.1163% | 1,260 |
| Earnings coverage of net charge-offs (x) | 4.4128% | 2,863 |
| Efficiency ratio | 49.0091% | 7,008 |
| Assets per employee ($millions) | 7.0836% | 694 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8345% | 1,050 |
| Loan loss allowance to noncurrent loans | 211.1498% | 1,450 |
| Noncurrent assets plus other real estate owned to assets | 1.5472% | 3,874 |
| Noncurrent loans to loans | 1.3424% | 4,411 |
| Net loans and leases to total assets | 73.3158% | 1,532 |
| Net loans and leases to deposits | 85.1957% | 1,909 |
| Net loans and leases to core deposits | 90.6827% | 2,295 |
| Total domestic deposits to total assets | 86.0558% | 3,296 |
| Equity capital to assets | 9.0780% | 5,466 |
| Core capital (leverage) ratio | 9.1459% | 4,492 |
| Tier 1 risk-based capital ratio | 12.8355% | 5,062 |
| Total risk-based capital ratio | 14.0917% | 5,033 |
| Memoranda: | ||
| Average total assets | $138,611,330 | 4,053 |
| Average earning assets | $125,779,330 | 4,075 |
| Average equity | $12,660,000 | 4,409 |
| Average total loans | $105,554,330 | 3,549 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0087% | 461 |
| Cost of funding earning assets | 1.7756% | 412 |
| Net interest margin | 4.2331% | 1,798 |
| Noninterest income to average assets | 0.4056% | 4,665 |
| Noninterest expense to average assets | 2.0951% | 6,647 |
| Loan and lease loss provision to assets | 0.9250% | 855 |
| Net operating income to assets | 0.7645% | 3,195 |
| Return on assets (ROA) | 0.7645% | 3,267 |
| Pretax return on assets | 1.2256% | 2,292 |
| Return on Equity (ROE) | 8.3443% | 2,762 |
| Retained earnings to average equity (ytd only) | 8.3443% | 1,606 |
| Net charge-offs to loans | 0.7628% | 1,691 |
| Credit loss provision to net charge-offs | 158.5000% | 1,813 |
| Earnings coverage of net charge-offs (x) | 3.6850% | 2,667 |
| Efficiency ratio | 49.3471% | 7,038 |
| Assets per employee ($millions) | 6.9356% | 759 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5565% | 1,375 |
| Loan loss allowance to noncurrent loans | 230.1382% | 1,302 |
| Noncurrent assets plus other real estate owned to assets | 1.3712% | 4,233 |
| Noncurrent loans to loans | 1.1108% | 4,843 |
| Net loans and leases to total assets | 73.2316% | 1,475 |
| Net loans and leases to deposits | 85.3959% | 1,822 |
| Net loans and leases to core deposits | 90.6172% | 2,285 |
| Total domestic deposits to total assets | 85.7554% | 3,664 |
| Equity capital to assets | 9.1405% | 4,969 |
| Core capital (leverage) ratio | 9.2170% | 4,259 |
| Tier 1 risk-based capital ratio | 12.6847% | 5,082 |
| Total risk-based capital ratio | 13.9389% | 5,054 |
| Memoranda: | ||
| Average total assets | $137,081,000 | 4,119 |
| Average earning assets | $124,352,500 | 4,132 |
| Average equity | $12,559,500 | 4,426 |
| Average total loans | $104,882,500 | 3,602 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2201% | 542 |
| Cost of funding earning assets | 2.0172% | 571 |
| Net interest margin | 4.2030% | 2,172 |
| Noninterest income to average assets | 0.3569% | 5,257 |
| Noninterest expense to average assets | 2.1722% | 6,691 |
| Loan and lease loss provision to assets | 0.8602% | 1,893 |
| Net operating income to assets | 0.7253% | 3,123 |
| Return on assets (ROA) | 0.7253% | 3,251 |
| Pretax return on assets | 1.1420% | 2,426 |
| Return on Equity (ROE) | 7.8235% | 2,767 |
| Retained earnings to average equity (ytd only) | 7.8235% | 1,038 |
| Net charge-offs to loans | 0.0706% | 6,095 |
| Credit loss provision to net charge-offs | 1,559.7222% | 155 |
| Earnings coverage of net charge-offs (x) | 36.3056% | 628 |
| Efficiency ratio | 52.0367% | 6,984 |
| Assets per employee ($millions) | 6.7725% | 831 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4147% | 1,532 |
| Loan loss allowance to noncurrent loans | 314.5679% | 987 |
| Noncurrent assets plus other real estate owned to assets | 1.2780% | 4,479 |
| Noncurrent loans to loans | 0.7676% | 5,514 |
| Net loans and leases to total assets | 76.0214% | 1,267 |
| Net loans and leases to deposits | 88.8493% | 1,670 |
| Net loans and leases to core deposits | 93.8677% | 2,274 |
| Total domestic deposits to total assets | 85.5622% | 3,571 |
| Equity capital to assets | 9.1842% | 4,863 |
| Core capital (leverage) ratio | 9.3048% | 4,006 |
| Tier 1 risk-based capital ratio | 11.6252% | 5,796 |
| Total risk-based capital ratio | 12.8070% | 5,863 |
| Memoranda: | ||
| Average total assets | $130,558,000 | 4,249 |
| Average earning assets | $118,582,600 | 4,261 |
| Average equity | $12,104,600 | 4,575 |
| Average total loans | $101,928,400 | 3,742 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2323% | 581 |
| Cost of funding earning assets | 2.0665% | 599 |
| Net interest margin | 4.1658% | 2,346 |
| Noninterest income to average assets | 0.4216% | 4,788 |
| Noninterest expense to average assets | 2.1803% | 6,658 |
| Loan and lease loss provision to assets | 0.8196% | 1,848 |
| Net operating income to assets | 0.7690% | 3,139 |
| Return on assets (ROA) | 0.7690% | 3,292 |
| Pretax return on assets | 1.2082% | 2,458 |
| Return on Equity (ROE) | 8.2744% | 2,805 |
| Retained earnings to average equity (ytd only) | 8.2744% | 1,322 |
| Net charge-offs to loans | 0.0013% | 6,661 |
| Credit loss provision to net charge-offs | 79,500.0000% | 1 |
| Earnings coverage of net charge-offs (x) | 1,971.8797% | 11 |
| Efficiency ratio | 51.8128% | 6,998 |
| Assets per employee ($millions) | 6.6471% | 904 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1940% | 1,822 |
| Loan loss allowance to noncurrent loans | 938.9344% | 391 |
| Noncurrent assets plus other real estate owned to assets | 0.9523% | 5,186 |
| Noncurrent loans to loans | 0.2337% | 6,707 |
| Net loans and leases to total assets | 76.8245% | 1,256 |
| Net loans and leases to deposits | 89.9144% | 1,733 |
| Net loans and leases to core deposits | 95.0613% | 2,379 |
| Total domestic deposits to total assets | 85.4418% | 3,387 |
| Equity capital to assets | 9.2243% | 5,272 |
| Core capital (leverage) ratio | 9.3639% | 4,112 |
| Tier 1 risk-based capital ratio | 11.8330% | 5,605 |
| Total risk-based capital ratio | 12.8200% | 5,850 |
| Memoranda: | ||
| Average total assets | $129,335,000 | 4,341 |
| Average earning assets | $117,557,500 | 4,343 |
| Average equity | $12,020,750 | 4,674 |
| Average total loans | $101,030,750 | 3,835 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1791% | 650 |
| Cost of funding earning assets | 2.1381% | 577 |
| Net interest margin | 4.0410% | 2,835 |
| Noninterest income to average assets | 0.4292% | 4,682 |
| Noninterest expense to average assets | 2.2243% | 6,589 |
| Loan and lease loss provision to assets | 0.2981% | 4,002 |
| Net operating income to assets | 1.0068% | 2,167 |
| Return on assets (ROA) | 1.0068% | 2,246 |
| Pretax return on assets | 1.5827% | 1,349 |
| Return on Equity (ROE) | 10.8040% | 1,817 |
| Retained earnings to average equity (ytd only) | 10.8040% | 692 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.1825% | 6,865 |
| Assets per employee ($millions) | 6.4712% | 962 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6453% | 3,270 |
| Loan loss allowance to noncurrent loans | 1,232.1168% | 285 |
| Noncurrent assets plus other real estate owned to assets | 0.8955% | 5,327 |
| Noncurrent loans to loans | 0.1335% | 6,998 |
| Net loans and leases to total assets | 77.9685% | 1,118 |
| Net loans and leases to deposits | 91.7264% | 1,576 |
| Net loans and leases to core deposits | 96.8956% | 2,338 |
| Total domestic deposits to total assets | 85.0012% | 3,628 |
| Equity capital to assets | 9.4866% | 4,721 |
| Core capital (leverage) ratio | 9.3642% | 4,019 |
| Tier 1 risk-based capital ratio | 12.2295% | 5,097 |
| Total risk-based capital ratio | 13.4857% | 5,064 |
| Memoranda: | ||
| Average total assets | $128,132,670 | 4,400 |
| Average earning assets | $116,554,330 | 4,404 |
| Average equity | $11,940,000 | 4,694 |
| Average total loans | $99,900,000 | 3,904 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0804% | 812 |
| Cost of funding earning assets | 2.2686% | 471 |
| Net interest margin | 3.8119% | 3,746 |
| Noninterest income to average assets | 0.4079% | 4,844 |
| Noninterest expense to average assets | 2.2057% | 6,675 |
| Loan and lease loss provision to assets | 0.0502% | 6,159 |
| Net operating income to assets | 1.0574% | 1,979 |
| Return on assets (ROA) | 1.0574% | 2,044 |
| Pretax return on assets | 1.6315% | 1,195 |
| Return on Equity (ROE) | 11.4519% | 1,659 |
| Retained earnings to average equity (ytd only) | 11.4519% | 842 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.7393% | 6,663 |
| Assets per employee ($millions) | 6.4521% | 1,024 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5249% | 3,785 |
| Loan loss allowance to noncurrent loans | 835.9116% | 386 |
| Noncurrent assets plus other real estate owned to assets | 0.7951% | 5,564 |
| Noncurrent loans to loans | 0.1824% | 6,974 |
| Net loans and leases to total assets | 75.7157% | 1,607 |
| Net loans and leases to deposits | 89.0356% | 2,058 |
| Net loans and leases to core deposits | 93.7668% | 2,866 |
| Total domestic deposits to total assets | 85.0398% | 3,658 |
| Equity capital to assets | 9.2404% | 4,931 |
| Core capital (leverage) ratio | 9.2564% | 4,123 |
| Tier 1 risk-based capital ratio | 11.6101% | 5,566 |
| Total risk-based capital ratio | 12.8628% | 5,532 |
| Memoranda: | ||
| Average total assets | $127,487,000 | 4,470 |
| Average earning assets | $116,373,000 | 4,461 |
| Average equity | $11,771,000 | 4,777 |
| Average total loans | $98,551,000 | 4,000 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2232% | 1,183 |
| Cost of funding earning assets | 3.0347% | 207 |
| Net interest margin | 3.1885% | 6,137 |
| Noninterest income to average assets | 0.3770% | 5,394 |
| Noninterest expense to average assets | 2.2338% | 6,904 |
| Loan and lease loss provision to assets | 0.3667% | 4,598 |
| Net operating income to assets | 0.4279% | 4,015 |
| Return on assets (ROA) | 0.4769% | 3,932 |
| Pretax return on assets | 0.7627% | 3,364 |
| Return on Equity (ROE) | 4.8969% | 3,712 |
| Retained earnings to average equity (ytd only) | 4.8969% | 1,871 |
| Net charge-offs to loans | 0.1284% | 5,913 |
| Credit loss provision to net charge-offs | 370.4348% | 863 |
| Earnings coverage of net charge-offs (x) | 10.6348% | 1,662 |
| Efficiency ratio | 67.9675% | 5,012 |
| Assets per employee ($millions) | 6.2966% | 1,082 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5294% | 3,580 |
| Loan loss allowance to noncurrent loans | 1,237.1901% | 307 |
| Noncurrent assets plus other real estate owned to assets | 0.7671% | 5,566 |
| Noncurrent loans to loans | 0.1236% | 7,114 |
| Net loans and leases to total assets | 76.5389% | 1,688 |
| Net loans and leases to deposits | 90.1563% | 2,194 |
| Net loans and leases to core deposits | 121.8130% | 1,795 |
| Total domestic deposits to total assets | 84.8958% | 3,598 |
| Equity capital to assets | 9.2256% | 4,808 |
| Core capital (leverage) ratio | 9.1960% | 4,127 |
| Tier 1 risk-based capital ratio | 12.0763% | 4,876 |
| Total risk-based capital ratio | 13.3025% | 4,862 |
| Memoranda: | ||
| Average total assets | $116,170,800 | 4,678 |
| Average earning assets | $106,006,800 | 4,679 |
| Average equity | $11,313,200 | 4,932 |
| Average total loans | $89,597,600 | 4,223 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2185% | 1,329 |
| Cost of funding earning assets | 3.1742% | 201 |
| Net interest margin | 3.0444% | 6,479 |
| Noninterest income to average assets | 0.4607% | 4,817 |
| Noninterest expense to average assets | 2.2544% | 6,822 |
| Loan and lease loss provision to assets | 0.2614% | 4,865 |
| Net operating income to assets | 0.4513% | 4,188 |
| Return on assets (ROA) | 0.4513% | 4,295 |
| Pretax return on assets | 0.7222% | 3,787 |
| Return on Equity (ROE) | 4.5681% | 4,128 |
| Retained earnings to average equity (ytd only) | 4.5681% | 2,722 |
| Net charge-offs to loans | 0.1752% | 4,993 |
| Credit loss provision to net charge-offs | 193.9130% | 2,326 |
| Earnings coverage of net charge-offs (x) | 7.2956% | 2,430 |
| Efficiency ratio | 69.6235% | 4,671 |
| Assets per employee ($millions) | 6.5721% | 954 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3583% | 4,167 |
| Loan loss allowance to noncurrent loans | 1,069.4215% | 339 |
| Noncurrent assets plus other real estate owned to assets | 0.7736% | 5,581 |
| Noncurrent loans to loans | 0.1270% | 7,162 |
| Net loans and leases to total assets | 75.2565% | 2,172 |
| Net loans and leases to deposits | 88.7399% | 2,829 |
| Net loans and leases to core deposits | 126.8932% | 1,661 |
| Total domestic deposits to total assets | 84.8057% | 3,322 |
| Equity capital to assets | 9.1784% | 5,203 |
| Core capital (leverage) ratio | 9.1914% | 4,350 |
| Tier 1 risk-based capital ratio | 11.7400% | 5,211 |
| Total risk-based capital ratio | 12.9980% | 5,148 |
| Memoranda: | ||
| Average total assets | $113,730,500 | 4,752 |
| Average earning assets | $103,751,750 | 4,772 |
| Average equity | $11,237,000 | 5,007 |
| Average total loans | $87,526,000 | 4,318 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1964% | 1,469 |
| Cost of funding earning assets | 3.2600% | 228 |
| Net interest margin | 2.9364% | 6,716 |
| Noninterest income to average assets | 0.3399% | 5,794 |
| Noninterest expense to average assets | 2.3396% | 6,642 |
| Loan and lease loss provision to assets | 0.2763% | 4,367 |
| Net operating income to assets | 0.2455% | 5,104 |
| Return on assets (ROA) | 0.3490% | 4,799 |
| Pretax return on assets | 0.5581% | 4,446 |
| Return on Equity (ROE) | 3.4401% | 4,735 |
| Retained earnings to average equity (ytd only) | 3.4401% | 3,407 |
| Net charge-offs to loans | 0.0871% | 5,334 |
| Credit loss provision to net charge-offs | 410.8108% | 1,126 |
| Earnings coverage of net charge-offs (x) | 10.0000% | 2,048 |
| Efficiency ratio | 77.6705% | 3,396 |
| Assets per employee ($millions) | 6.4209% | 998 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4351% | 3,546 |
| Loan loss allowance to noncurrent loans | 1,314.1414% | 279 |
| Noncurrent assets plus other real estate owned to assets | 0.7738% | 5,467 |
| Noncurrent loans to loans | 0.1092% | 7,247 |
| Net loans and leases to total assets | 73.2436% | 2,900 |
| Net loans and leases to deposits | 86.5843% | 3,444 |
| Net loans and leases to core deposits | 131.9750% | 1,434 |
| Total domestic deposits to total assets | 84.5922% | 3,449 |
| Equity capital to assets | 9.1994% | 5,010 |
| Core capital (leverage) ratio | 9.5509% | 3,808 |
| Tier 1 risk-based capital ratio | 12.0449% | 4,881 |
| Total risk-based capital ratio | 13.3051% | 4,788 |
| Memoranda: | ||
| Average total assets | $110,017,670 | 4,886 |
| Average earning assets | $100,123,330 | 4,887 |
| Average equity | $11,162,330 | 5,040 |
| Average total loans | $84,946,000 | 4,430 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3146% | 1,255 |
| Cost of funding earning assets | 3.3056% | 266 |
| Net interest margin | 3.0090% | 6,458 |
| Noninterest income to average assets | 0.3268% | 5,837 |
| Noninterest expense to average assets | 2.3340% | 6,423 |
| Loan and lease loss provision to assets | 0.2269% | 4,179 |
| Net operating income to assets | 0.3191% | 5,223 |
| Return on assets (ROA) | 0.3191% | 5,391 |
| Pretax return on assets | 0.4960% | 5,092 |
| Return on Equity (ROE) | 2.9824% | 5,374 |
| Retained earnings to average equity (ytd only) | 2.9824% | 4,214 |
| Net charge-offs to loans | 0.1121% | 4,072 |
| Credit loss provision to net charge-offs | 256.5217% | 1,835 |
| Earnings coverage of net charge-offs (x) | 8.1739% | 2,233 |
| Efficiency ratio | 76.3522% | 3,427 |
| Assets per employee ($millions) | 6.6317% | 900 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4519% | 3,218 |
| Loan loss allowance to noncurrent loans | 1,221.0000% | 346 |
| Noncurrent assets plus other real estate owned to assets | 0.9482% | 4,826 |
| Noncurrent loans to loans | 0.1189% | 7,180 |
| Net loans and leases to total assets | 73.5096% | 2,884 |
| Net loans and leases to deposits | 88.1545% | 3,265 |
| Net loans and leases to core deposits | 140.4216% | 1,082 |
| Total domestic deposits to total assets | 83.3873% | 3,956 |
| Equity capital to assets | 9.9229% | 4,081 |
| Core capital (leverage) ratio | 10.5063% | 2,917 |
| Tier 1 risk-based capital ratio | 11.2585% | 5,637 |
| Total risk-based capital ratio | 12.4989% | 5,558 |
| Memoranda: | ||
| Average total assets | $104,028,000 | 5,067 |
| Average earning assets | $94,384,000 | 5,078 |
| Average equity | $11,132,000 | 5,067 |
| Average total loans | $82,091,000 | 4,558 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8591% | 1,516 |
| Cost of funding earning assets | 3.2367% | 1,080 |
| Net interest margin | 3.6225% | 4,775 |
| Noninterest income to average assets | 0.4288% | 5,224 |
| Noninterest expense to average assets | 2.8326% | 4,686 |
| Loan and lease loss provision to assets | 0.4941% | 2,845 |
| Net operating income to assets | 0.3080% | 5,512 |
| Return on assets (ROA) | 0.3080% | 5,332 |
| Pretax return on assets | 0.4916% | 4,997 |
| Return on Equity (ROE) | 2.2943% | 5,501 |
| Retained earnings to average equity (ytd only) | 2.2943% | 3,779 |
| Net charge-offs to loans | 0.0694% | 5,782 |
| Credit loss provision to net charge-offs | 818.3673% | 535 |
| Earnings coverage of net charge-offs (x) | 16.3265% | 1,849 |
| Efficiency ratio | 74.1852% | 3,540 |
| Assets per employee ($millions) | 5.6069% | 1,384 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4809% | 2,786 |
| Loan loss allowance to noncurrent loans | 1,186.0000% | 436 |
| Noncurrent assets plus other real estate owned to assets | 1.1215% | 4,032 |
| Noncurrent loans to loans | 0.1249% | 7,038 |
| Net loans and leases to total assets | 82.7775% | 1,084 |
| Net loans and leases to deposits | 102.8991% | 1,485 |
| Net loans and leases to core deposits | 173.2641% | 355 |
| Total domestic deposits to total assets | 80.4453% | 4,852 |
| Equity capital to assets | 11.6212% | 2,554 |
| Core capital (leverage) ratio | 11.9107% | 2,016 |
| Tier 1 risk-based capital ratio | 13.0180% | 4,100 |
| Total risk-based capital ratio | 14.2710% | 4,010 |
| Memoranda: | ||
| Average total assets | $81,160,800 | 5,654 |
| Average earning assets | $75,942,600 | 5,586 |
| Average equity | $10,896,800 | 5,152 |
| Average total loans | $70,625,000 | 4,844 |