Home > Iowa State Bank > Performance and Condition Ratios
Iowa State Bank, Performance and Condition Ratios
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0437% | 3,942 |
| Cost of funding earning assets | 0.6694% | 2,047 |
| Net interest margin | 3.3743% | 4,385 |
| Noninterest income to average assets | 0.2328% | 5,680 |
| Noninterest expense to average assets | 1.0873% | 6,736 |
| Loan and lease loss provision to assets | 0.0822% | 3,472 |
| Net operating income to assets | 1.4483% | 917 |
| Return on assets (ROA) | 1.4483% | 961 |
| Pretax return on assets | 2.1893% | 320 |
| Return on Equity (ROE) | 9.0722% | 2,501 |
| Retained earnings to average equity (ytd only) | 6.7539% | 1,553 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 29.7502% | 6,764 |
| Assets per employee ($millions) | 14.7040% | 78 |
| Cash dividends to net income (ytd only)* | 25.5537% | 3,482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3240% | 4,012 |
| Loan loss allowance to noncurrent loans | 4,712.5000% | 145 |
| Noncurrent assets plus other real estate owned to assets | 0.0204% | 6,345 |
| Noncurrent loans to loans | 0.0281% | 6,169 |
| Net loans and leases to total assets | 71.6557% | 1,744 |
| Net loans and leases to deposits | 88.8816% | 1,363 |
| Net loans and leases to core deposits | 101.0030% | 1,088 |
| Total domestic deposits to total assets | 80.6192% | 5,288 |
| Equity capital to assets | 16.8509% | 410 |
| Core capital (leverage) ratio | 14.4699% | 699 |
| Tier 1 risk-based capital ratio | 17.3309% | 2,480 |
| Total risk-based capital ratio | 18.5271% | 2,475 |
| Memoranda: | ||
| Average total assets | $121,588,800 | 4,247 |
| Average earning assets | $112,645,600 | 4,207 |
| Average equity | $19,411,000 | 3,229 |
| Average total loans | $81,360,600 | 3,895 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0222% | 4,047 |
| Cost of funding earning assets | 0.7140% | 1,858 |
| Net interest margin | 3.3083% | 4,606 |
| Noninterest income to average assets | 0.2513% | 5,635 |
| Noninterest expense to average assets | 1.0823% | 6,816 |
| Loan and lease loss provision to assets | 0.0772% | 3,515 |
| Net operating income to assets | 1.4456% | 992 |
| Return on assets (ROA) | 1.4456% | 1,051 |
| Pretax return on assets | 2.1461% | 436 |
| Return on Equity (ROE) | 9.1772% | 2,557 |
| Retained earnings to average equity (ytd only) | 7.1056% | 1,826 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 30.1086% | 6,833 |
| Assets per employee ($millions) | 12.7786% | 125 |
| Cash dividends to net income (ytd only)* | 22.5733% | 2,982 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3810% | 3,982 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 68.4280% | 2,234 |
| Net loans and leases to deposits | 82.8067% | 2,028 |
| Net loans and leases to core deposits | 83.3231% | 2,726 |
| Total domestic deposits to total assets | 82.6358% | 4,706 |
| Equity capital to assets | 17.0920% | 411 |
| Core capital (leverage) ratio | 14.4589% | 743 |
| Tier 1 risk-based capital ratio | 17.6383% | 2,465 |
| Total risk-based capital ratio | 18.8474% | 2,447 |
| Memoranda: | ||
| Average total assets | $122,578,000 | 4,262 |
| Average earning assets | $113,168,250 | 4,241 |
| Average equity | $19,308,250 | 3,272 |
| Average total loans | $80,345,500 | 3,961 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9585% | 4,271 |
| Cost of funding earning assets | 0.7626% | 1,635 |
| Net interest margin | 3.1959% | 4,964 |
| Noninterest income to average assets | 0.2782% | 5,468 |
| Noninterest expense to average assets | 1.0759% | 6,860 |
| Loan and lease loss provision to assets | 0.1135% | 2,918 |
| Net operating income to assets | 1.3813% | 1,119 |
| Return on assets (ROA) | 1.3813% | 1,205 |
| Pretax return on assets | 2.0367% | 564 |
| Return on Equity (ROE) | 9.0038% | 2,604 |
| Retained earnings to average equity (ytd only) | 5.8774% | 2,507 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 30.7235% | 6,875 |
| Assets per employee ($millions) | 13.2463% | 105 |
| Cash dividends to net income (ytd only)* | 34.7222% | 2,467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4103% | 3,983 |
| Loan loss allowance to noncurrent loans | 110,200.0000% | 2 |
| Noncurrent assets plus other real estate owned to assets | 0.0008% | 6,596 |
| Noncurrent loans to loans | 0.0013% | 6,464 |
| Net loans and leases to total assets | 64.6191% | 2,821 |
| Net loans and leases to deposits | 77.1898% | 2,698 |
| Net loans and leases to core deposits | 77.6473% | 3,342 |
| Total domestic deposits to total assets | 83.7146% | 4,444 |
| Equity capital to assets | 16.0137% | 521 |
| Core capital (leverage) ratio | 13.0478% | 1,144 |
| Tier 1 risk-based capital ratio | 17.7149% | 2,431 |
| Total risk-based capital ratio | 18.9652% | 2,396 |
| Memoranda: | ||
| Average total assets | $125,101,670 | 4,240 |
| Average earning assets | $115,397,000 | 4,221 |
| Average equity | $19,192,000 | 3,303 |
| Average total loans | $80,527,670 | 3,970 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8486% | 4,650 |
| Cost of funding earning assets | 0.7898% | 1,587 |
| Net interest margin | 3.0588% | 5,402 |
| Noninterest income to average assets | 0.2405% | 5,737 |
| Noninterest expense to average assets | 1.0496% | 6,952 |
| Loan and lease loss provision to assets | 0.0781% | 3,335 |
| Net operating income to assets | 1.3370% | 1,186 |
| Return on assets (ROA) | 1.3370% | 1,282 |
| Pretax return on assets | 1.9681% | 627 |
| Return on Equity (ROE) | 8.8970% | 2,528 |
| Retained earnings to average equity (ytd only) | 8.8970% | 1,412 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 31.1806% | 6,952 |
| Assets per employee ($millions) | 15.8246% | 78 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3344% | 4,539 |
| Loan loss allowance to noncurrent loans | 986.9159% | 482 |
| Noncurrent assets plus other real estate owned to assets | 0.1082% | 6,257 |
| Noncurrent loans to loans | 0.1352% | 6,064 |
| Net loans and leases to total assets | 61.6784% | 3,127 |
| Net loans and leases to deposits | 73.3408% | 3,006 |
| Net loans and leases to core deposits | 74.1156% | 3,561 |
| Total domestic deposits to total assets | 84.0984% | 4,432 |
| Equity capital to assets | 15.3448% | 672 |
| Core capital (leverage) ratio | 12.4761% | 1,348 |
| Tier 1 risk-based capital ratio | 17.4624% | 2,575 |
| Total risk-based capital ratio | 18.6581% | 2,563 |
| Memoranda: | ||
| Average total assets | $128,044,000 | 4,223 |
| Average earning assets | $119,523,500 | 4,165 |
| Average equity | $19,242,500 | 3,343 |
| Average total loans | $81,722,000 | 3,966 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0174% | 5,252 |
| Cost of funding earning assets | 1.0720% | 1,009 |
| Net interest margin | 2.9454% | 6,143 |
| Noninterest income to average assets | 0.2568% | 5,627 |
| Noninterest expense to average assets | 1.0479% | 7,005 |
| Loan and lease loss provision to assets | 0.1113% | 4,239 |
| Net operating income to assets | 1.2155% | 1,552 |
| Return on assets (ROA) | 1.2277% | 1,678 |
| Pretax return on assets | 1.8442% | 845 |
| Return on Equity (ROE) | 8.5894% | 2,833 |
| Retained earnings to average equity (ytd only) | 3.7909% | 3,542 |
| Net charge-offs to loans | 0.0012% | 5,973 |
| Credit loss provision to net charge-offs | 14,600.0000% | 14 |
| Earnings coverage of net charge-offs (x) | 2,542.0000% | 11 |
| Efficiency ratio | 32.3717% | 7,012 |
| Assets per employee ($millions) | 16.1864% | 80 |
| Cash dividends to net income (ytd only)* | 55.8659% | 2,012 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2229% | 5,006 |
| Loan loss allowance to noncurrent loans | 2,147.9167% | 261 |
| Noncurrent assets plus other real estate owned to assets | 0.0602% | 6,468 |
| Noncurrent loans to loans | 0.0569% | 6,351 |
| Net loans and leases to total assets | 64.3087% | 2,844 |
| Net loans and leases to deposits | 75.8401% | 2,823 |
| Net loans and leases to core deposits | 76.6154% | 3,447 |
| Total domestic deposits to total assets | 84.7951% | 3,943 |
| Equity capital to assets | 14.7184% | 816 |
| Core capital (leverage) ratio | 12.1205% | 1,495 |
| Tier 1 risk-based capital ratio | 15.7387% | 3,296 |
| Total risk-based capital ratio | 16.8228% | 3,346 |
| Memoranda: | ||
| Average total assets | $131,220,400 | 4,119 |
| Average earning assets | $121,545,200 | 4,078 |
| Average equity | $18,755,600 | 3,366 |
| Average total loans | $80,675,600 | 4,021 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0809% | 5,262 |
| Cost of funding earning assets | 1.1296% | 943 |
| Net interest margin | 2.9513% | 6,269 |
| Noninterest income to average assets | 0.2836% | 5,516 |
| Noninterest expense to average assets | 1.1009% | 7,100 |
| Loan and lease loss provision to assets | 0.1479% | 3,688 |
| Net operating income to assets | 1.1998% | 1,740 |
| Return on assets (ROA) | 1.2163% | 1,857 |
| Pretax return on assets | 1.7844% | 1,086 |
| Return on Equity (ROE) | 8.5723% | 3,007 |
| Retained earnings to average equity (ytd only) | 4.2897% | 3,870 |
| Net charge-offs to loans | 0.0017% | 5,754 |
| Credit loss provision to net charge-offs | 14,600.0000% | 13 |
| Earnings coverage of net charge-offs (x) | 1,888.6767% | 16 |
| Efficiency ratio | 33.8943% | 7,095 |
| Assets per employee ($millions) | 13.9191% | 105 |
| Cash dividends to net income (ytd only)* | 49.9585% | 1,693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3836% | 4,442 |
| Loan loss allowance to noncurrent loans | 2,147.9167% | 242 |
| Noncurrent assets plus other real estate owned to assets | 0.0623% | 6,594 |
| Noncurrent loans to loans | 0.0644% | 6,454 |
| Net loans and leases to total assets | 58.6596% | 4,014 |
| Net loans and leases to deposits | 69.6043% | 3,949 |
| Net loans and leases to core deposits | 70.3317% | 4,460 |
| Total domestic deposits to total assets | 84.2758% | 4,091 |
| Equity capital to assets | 15.1095% | 798 |
| Core capital (leverage) ratio | 11.8783% | 1,726 |
| Tier 1 risk-based capital ratio | 17.4822% | 2,546 |
| Total risk-based capital ratio | 18.6976% | 2,527 |
| Memoranda: | ||
| Average total assets | $131,652,750 | 4,142 |
| Average earning assets | $121,571,000 | 4,115 |
| Average equity | $18,679,750 | 3,407 |
| Average total loans | $79,768,250 | 4,085 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1560% | 5,109 |
| Cost of funding earning assets | 1.1907% | 853 |
| Net interest margin | 2.9653% | 6,307 |
| Noninterest income to average assets | 0.3528% | 5,016 |
| Noninterest expense to average assets | 1.1078% | 7,168 |
| Loan and lease loss provision to assets | 0.2183% | 2,892 |
| Net operating income to assets | 1.1986% | 1,725 |
| Return on assets (ROA) | 1.2199% | 1,840 |
| Pretax return on assets | 1.7835% | 1,076 |
| Return on Equity (ROE) | 8.7756% | 2,909 |
| Retained earnings to average equity (ytd only) | 5.5493% | 2,961 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 33.4143% | 7,148 |
| Assets per employee ($millions) | 13.0669% | 116 |
| Cash dividends to net income (ytd only)* | 36.7647% | 2,320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3983% | 4,477 |
| Loan loss allowance to noncurrent loans | 589.7143% | 631 |
| Noncurrent assets plus other real estate owned to assets | 0.1569% | 6,401 |
| Noncurrent loans to loans | 0.2371% | 6,098 |
| Net loans and leases to total assets | 55.6926% | 4,516 |
| Net loans and leases to deposits | 65.4905% | 4,577 |
| Net loans and leases to core deposits | 66.1398% | 4,986 |
| Total domestic deposits to total assets | 85.0393% | 3,837 |
| Equity capital to assets | 14.4105% | 945 |
| Core capital (leverage) ratio | 11.2982% | 2,047 |
| Tier 1 risk-based capital ratio | 17.4848% | 2,477 |
| Total risk-based capital ratio | 18.7108% | 2,449 |
| Memoranda: | ||
| Average total assets | $133,779,670 | 4,121 |
| Average earning assets | $122,954,000 | 4,103 |
| Average equity | $18,597,000 | 3,412 |
| Average total loans | $81,519,330 | 4,055 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3783% | 4,413 |
| Cost of funding earning assets | 1.2616% | 740 |
| Net interest margin | 3.1167% | 5,995 |
| Noninterest income to average assets | 0.4877% | 4,000 |
| Noninterest expense to average assets | 1.0995% | 7,235 |
| Loan and lease loss provision to assets | 0.3547% | 1,774 |
| Net operating income to assets | 1.2730% | 1,529 |
| Return on assets (ROA) | 1.3153% | 1,584 |
| Pretax return on assets | 1.9359% | 824 |
| Return on Equity (ROE) | 9.6318% | 2,545 |
| Retained earnings to average equity (ytd only) | 9.6318% | 1,371 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 30.6394% | 7,233 |
| Assets per employee ($millions) | 15.1937% | 87 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2488% | 5,251 |
| Loan loss allowance to noncurrent loans | 402.4000% | 840 |
| Noncurrent assets plus other real estate owned to assets | 0.1828% | 6,424 |
| Noncurrent loans to loans | 0.3103% | 6,060 |
| Net loans and leases to total assets | 58.1777% | 4,005 |
| Net loans and leases to deposits | 67.8597% | 4,088 |
| Net loans and leases to core deposits | 68.4948% | 4,629 |
| Total domestic deposits to total assets | 85.7324% | 3,669 |
| Equity capital to assets | 13.6643% | 1,164 |
| Core capital (leverage) ratio | 11.1286% | 2,162 |
| Tier 1 risk-based capital ratio | 16.2777% | 3,028 |
| Total risk-based capital ratio | 17.3977% | 3,065 |
| Memoranda: | ||
| Average total assets | $135,335,000 | 4,118 |
| Average earning assets | $123,335,000 | 4,121 |
| Average equity | $18,480,500 | 3,427 |
| Average total loans | $85,376,500 | 3,960 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3457% | 5,613 |
| Cost of funding earning assets | 1.6509% | 396 |
| Net interest margin | 2.6948% | 6,928 |
| Noninterest income to average assets | 0.8070% | 2,022 |
| Noninterest expense to average assets | 0.8721% | 7,305 |
| Loan and lease loss provision to assets | 0.6519% | 1,561 |
| Net operating income to assets | 1.1919% | 1,526 |
| Return on assets (ROA) | 1.1919% | 1,642 |
| Pretax return on assets | 1.7874% | 824 |
| Return on Equity (ROE) | 9.2867% | 2,331 |
| Retained earnings to average equity (ytd only) | 7.5764% | 1,239 |
| Net charge-offs to loans | 0.0059% | 6,350 |
| Credit loss provision to net charge-offs | 17,820.0000% | 9 |
| Earnings coverage of net charge-offs (x) | 666.8000% | 45 |
| Efficiency ratio | 23.9726% | 7,317 |
| Assets per employee ($millions) | 14.8808% | 89 |
| Cash dividends to net income (ytd only)* | 18.4162% | 3,599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9812% | 6,297 |
| Loan loss allowance to noncurrent loans | 354.0000% | 936 |
| Noncurrent assets plus other real estate owned to assets | 0.1867% | 6,485 |
| Noncurrent loans to loans | 0.2772% | 6,171 |
| Net loans and leases to total assets | 66.6841% | 2,646 |
| Net loans and leases to deposits | 77.7599% | 2,877 |
| Net loans and leases to core deposits | 78.7090% | 3,602 |
| Total domestic deposits to total assets | 85.7564% | 3,456 |
| Equity capital to assets | 13.6462% | 1,195 |
| Core capital (leverage) ratio | 10.7547% | 2,469 |
| Tier 1 risk-based capital ratio | 14.2611% | 4,140 |
| Total risk-based capital ratio | 15.1531% | 4,352 |
| Memoranda: | ||
| Average total assets | $136,675,800 | 4,038 |
| Average earning assets | $127,023,400 | 3,995 |
| Average equity | $17,541,200 | 3,497 |
| Average total loans | $84,810,200 | 4,004 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0754% | 6,460 |
| Cost of funding earning assets | 1.7227% | 362 |
| Net interest margin | 2.3527% | 7,198 |
| Noninterest income to average assets | 0.8881% | 1,690 |
| Noninterest expense to average assets | 0.8415% | 7,387 |
| Loan and lease loss provision to assets | 0.7998% | 1,165 |
| Net operating income to assets | 0.9638% | 2,462 |
| Return on assets (ROA) | 0.9638% | 2,635 |
| Pretax return on assets | 1.4327% | 1,840 |
| Return on Equity (ROE) | 7.6277% | 3,211 |
| Retained earnings to average equity (ytd only) | 7.6277% | 1,652 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 24.8500% | 7,384 |
| Assets per employee ($millions) | 15.2393% | 89 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0137% | 6,204 |
| Loan loss allowance to noncurrent loans | 51.2438% | 4,933 |
| Noncurrent assets plus other real estate owned to assets | 1.1724% | 4,440 |
| Noncurrent loans to loans | 1.9782% | 3,397 |
| Net loans and leases to total assets | 58.6662% | 4,379 |
| Net loans and leases to deposits | 67.9529% | 4,619 |
| Net loans and leases to core deposits | 69.4437% | 5,013 |
| Total domestic deposits to total assets | 86.3336% | 3,023 |
| Equity capital to assets | 13.0693% | 1,585 |
| Core capital (leverage) ratio | 10.2005% | 3,193 |
| Tier 1 risk-based capital ratio | 14.8693% | 3,743 |
| Total risk-based capital ratio | 15.7580% | 3,949 |
| Memoranda: | ||
| Average total assets | $137,363,000 | 4,053 |
| Average earning assets | $127,622,750 | 4,004 |
| Average equity | $17,357,500 | 3,533 |
| Average total loans | $83,464,500 | 4,077 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0910% | 6,512 |
| Cost of funding earning assets | 1.7835% | 334 |
| Net interest margin | 2.3075% | 7,278 |
| Noninterest income to average assets | 1.2923% | 752 |
| Noninterest expense to average assets | 0.8048% | 7,468 |
| Loan and lease loss provision to assets | 1.1991% | 650 |
| Net operating income to assets | 0.9823% | 2,294 |
| Return on assets (ROA) | 0.9823% | 2,397 |
| Pretax return on assets | 1.4349% | 1,706 |
| Return on Equity (ROE) | 7.8633% | 3,007 |
| Retained earnings to average equity (ytd only) | 7.8633% | 1,507 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 21.1595% | 7,473 |
| Assets per employee ($millions) | 13.8562% | 113 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9887% | 6,375 |
| Loan loss allowance to noncurrent loans | 57.4616% | 4,587 |
| Noncurrent assets plus other real estate owned to assets | 1.0349% | 4,814 |
| Noncurrent loans to loans | 1.7206% | 3,855 |
| Net loans and leases to total assets | 59.5538% | 4,362 |
| Net loans and leases to deposits | 68.5852% | 4,617 |
| Net loans and leases to core deposits | 70.0644% | 5,068 |
| Total domestic deposits to total assets | 86.8319% | 2,832 |
| Equity capital to assets | 12.6571% | 1,704 |
| Core capital (leverage) ratio | 9.8941% | 3,395 |
| Tier 1 risk-based capital ratio | 13.8552% | 4,266 |
| Total risk-based capital ratio | 14.7045% | 4,544 |
| Memoranda: | ||
| Average total assets | $137,432,670 | 4,074 |
| Average earning assets | $127,841,330 | 4,034 |
| Average equity | $17,168,330 | 3,544 |
| Average total loans | $84,190,330 | 4,085 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0215% | 6,654 |
| Cost of funding earning assets | 1.8365% | 331 |
| Net interest margin | 2.1850% | 7,361 |
| Noninterest income to average assets | 1.0492% | 1,197 |
| Noninterest expense to average assets | 0.6780% | 7,541 |
| Loan and lease loss provision to assets | 0.9527% | 825 |
| Net operating income to assets | 0.9790% | 2,249 |
| Return on assets (ROA) | 0.9790% | 2,309 |
| Pretax return on assets | 1.4525% | 1,593 |
| Return on Equity (ROE) | 7.8900% | 2,965 |
| Retained earnings to average equity (ytd only) | 7.8900% | 1,779 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 19.4313% | 7,534 |
| Assets per employee ($millions) | 20.1746% | 67 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4031% | 7,349 |
| Loan loss allowance to noncurrent loans | 23.3190% | 6,636 |
| Noncurrent assets plus other real estate owned to assets | 0.9899% | 4,927 |
| Noncurrent loans to loans | 1.7286% | 3,912 |
| Net loans and leases to total assets | 57.0364% | 4,793 |
| Net loans and leases to deposits | 65.3799% | 5,065 |
| Net loans and leases to core deposits | 66.6705% | 5,444 |
| Total domestic deposits to total assets | 87.2385% | 2,806 |
| Equity capital to assets | 12.1560% | 1,826 |
| Core capital (leverage) ratio | 9.8053% | 3,380 |
| Tier 1 risk-based capital ratio | 14.3380% | 3,840 |
| Total risk-based capital ratio | 14.6955% | 4,446 |
| Memoranda: | ||
| Average total assets | $136,868,000 | 4,122 |
| Average earning assets | $127,415,000 | 4,075 |
| Average equity | $16,983,500 | 3,568 |
| Average total loans | $84,614,000 | 4,121 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.0000% | 7,656 |
| Cost of funding earning assets | 0.0000% | 7,641 |
| Net interest margin | 0.0000% | 7,648 |
| Noninterest income to average assets | 0.0000% | 7,282 |
| Noninterest expense to average assets | 0.0000% | 7,654 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.0000% | 5,831 |
| Return on assets (ROA) | 0.0000% | 5,960 |
| Pretax return on assets | 0.0000% | 5,897 |
| Return on Equity (ROE) | 0.0000% | 5,961 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,576 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | NA | NA |
| Assets per employee ($millions) | 16.5643% | 79 |
| Cash dividends to net income (ytd only)* | NA | NA |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,582 |
| Loan loss allowance to noncurrent loans | 0.0000% | 7,156 |
| Noncurrent assets plus other real estate owned to assets | 1.9002% | 3,479 |
| Noncurrent loans to loans | 2.8499% | 2,671 |
| Net loans and leases to total assets | 66.6752% | 3,310 |
| Net loans and leases to deposits | 76.8737% | 3,711 |
| Net loans and leases to core deposits | 77.3170% | 4,549 |
| Total domestic deposits to total assets | 86.7335% | 2,956 |
| Equity capital to assets | 12.6779% | 1,542 |
| Core capital (leverage) ratio | 10.6002% | 2,464 |
| Tier 1 risk-based capital ratio | 13.3504% | 4,330 |
| Total risk-based capital ratio | 13.3504% | 5,370 |
| Memoranda: | ||
| Average total assets | $124,470,400 | 4,391 |
| Average earning assets | $119,444,400 | 4,246 |
| Average equity | $15,675,600 | 3,822 |
| Average total loans | $85,287,200 | 4,174 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7027% | 6,010 |
| Cost of funding earning assets | 2.1276% | 484 |
| Net interest margin | 2.5750% | 7,331 |
| Noninterest income to average assets | 0.0229% | 7,386 |
| Noninterest expense to average assets | 0.9472% | 7,702 |
| Loan and lease loss provision to assets | 0.2178% | 4,893 |
| Net operating income to assets | 1.0539% | 2,057 |
| Return on assets (ROA) | 1.0539% | 2,163 |
| Pretax return on assets | 1.3457% | 2,044 |
| Return on Equity (ROE) | 8.3837% | 2,750 |
| Retained earnings to average equity (ytd only) | 7.8641% | 1,463 |
| Net charge-offs to loans | -0.1104% | 7,568 |
| Credit loss provision to net charge-offs | -285.7143% | 6,975 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.7277% | 7,617 |
| Assets per employee ($millions) | 15.2168% | 99 |
| Cash dividends to net income (ytd only)* | 6.1985% | 3,413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2000% | 1,807 |
| Loan loss allowance to noncurrent loans | 106.3709% | 2,631 |
| Noncurrent assets plus other real estate owned to assets | 1.4441% | 4,289 |
| Noncurrent loans to loans | 2.0682% | 3,602 |
| Net loans and leases to total assets | 68.2891% | 3,143 |
| Net loans and leases to deposits | 79.0730% | 3,624 |
| Net loans and leases to core deposits | 79.9567% | 4,525 |
| Total domestic deposits to total assets | 86.3621% | 2,882 |
| Equity capital to assets | 13.0637% | 1,542 |
| Core capital (leverage) ratio | 12.9019% | 1,265 |
| Tier 1 risk-based capital ratio | 17.4009% | 2,207 |
| Total risk-based capital ratio | 18.6612% | 2,165 |
| Memoranda: | ||
| Average total assets | $122,459,500 | 4,494 |
| Average earning assets | $118,312,500 | 4,326 |
| Average equity | $15,394,500 | 3,919 |
| Average total loans | $84,520,500 | 4,268 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6847% | 6,190 |
| Cost of funding earning assets | 2.1789% | 501 |
| Net interest margin | 2.5058% | 7,417 |
| Noninterest income to average assets | 0.0163% | 7,475 |
| Noninterest expense to average assets | 0.8541% | 7,787 |
| Loan and lease loss provision to assets | 0.3260% | 3,791 |
| Net operating income to assets | 1.0106% | 2,153 |
| Return on assets (ROA) | 1.0106% | 2,229 |
| Pretax return on assets | 1.2600% | 2,225 |
| Return on Equity (ROE) | 8.1445% | 2,832 |
| Retained earnings to average equity (ytd only) | 7.3563% | 1,689 |
| Net charge-offs to loans | -0.1660% | 7,622 |
| Credit loss provision to net charge-offs | -285.7143% | 6,765 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.0033% | 7,708 |
| Assets per employee ($millions) | 15.2160% | 98 |
| Cash dividends to net income (ytd only)* | 9.6774% | 3,168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2106% | 1,733 |
| Loan loss allowance to noncurrent loans | 120.3346% | 2,323 |
| Noncurrent assets plus other real estate owned to assets | 1.2766% | 4,594 |
| Noncurrent loans to loans | 1.8371% | 3,956 |
| Net loans and leases to total assets | 67.9556% | 3,373 |
| Net loans and leases to deposits | 78.4234% | 3,897 |
| Net loans and leases to core deposits | 78.9466% | 4,811 |
| Total domestic deposits to total assets | 86.6522% | 2,730 |
| Equity capital to assets | 12.7678% | 1,664 |
| Core capital (leverage) ratio | 12.5858% | 1,370 |
| Tier 1 risk-based capital ratio | 17.1153% | 2,230 |
| Total risk-based capital ratio | 18.3751% | 2,186 |
| Memoranda: | ||
| Average total assets | $122,701,330 | 4,511 |
| Average earning assets | $118,683,000 | 4,345 |
| Average equity | $15,225,000 | 3,944 |
| Average total loans | $84,360,330 | 4,311 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6587% | 6,380 |
| Cost of funding earning assets | 2.2488% | 501 |
| Net interest margin | 2.4099% | 7,525 |
| Noninterest income to average assets | 0.0162% | 7,604 |
| Noninterest expense to average assets | 0.7468% | 7,896 |
| Loan and lease loss provision to assets | 0.6494% | 1,954 |
| Net operating income to assets | 0.8280% | 2,845 |
| Return on assets (ROA) | 0.8280% | 2,941 |
| Pretax return on assets | 0.9514% | 3,261 |
| Return on Equity (ROE) | 6.7700% | 3,467 |
| Retained earnings to average equity (ytd only) | 6.7700% | 2,235 |
| Net charge-offs to loans | -0.3181% | 7,753 |
| Credit loss provision to net charge-offs | -298.5075% | 6,179 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 31.8119% | 7,835 |
| Assets per employee ($millions) | 15.3406% | 101 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1944% | 1,769 |
| Loan loss allowance to noncurrent loans | 111.4627% | 2,476 |
| Noncurrent assets plus other real estate owned to assets | 1.3648% | 4,467 |
| Noncurrent loans to loans | 1.9687% | 3,833 |
| Net loans and leases to total assets | 67.8044% | 3,440 |
| Net loans and leases to deposits | 77.9725% | 4,052 |
| Net loans and leases to core deposits | 78.6869% | 4,936 |
| Total domestic deposits to total assets | 86.9595% | 2,646 |
| Equity capital to assets | 12.4180% | 1,797 |
| Core capital (leverage) ratio | 12.2785% | 1,503 |
| Tier 1 risk-based capital ratio | 16.0919% | 2,618 |
| Total risk-based capital ratio | 17.3511% | 2,564 |
| Memoranda: | ||
| Average total assets | $123,188,000 | 4,558 |
| Average earning assets | $119,174,000 | 4,398 |
| Average equity | $15,066,500 | 4,003 |
| Average total loans | $84,245,000 | 4,375 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7186% | 7,108 |
| Cost of funding earning assets | 2.7725% | 483 |
| Net interest margin | 1.9462% | 7,765 |
| Noninterest income to average assets | 0.0219% | 7,615 |
| Noninterest expense to average assets | 1.0435% | 7,940 |
| Loan and lease loss provision to assets | 0.0843% | 6,765 |
| Net operating income to assets | 0.4560% | 3,903 |
| Return on assets (ROA) | 0.4560% | 4,028 |
| Pretax return on assets | 0.7822% | 3,299 |
| Return on Equity (ROE) | 3.6327% | 4,239 |
| Retained earnings to average equity (ytd only) | 0.8125% | 4,447 |
| Net charge-offs to loans | -0.0050% | 7,720 |
| Credit loss provision to net charge-offs | -2,500.0000% | 7,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.6337% | 7,163 |
| Assets per employee ($millions) | 15.4564% | 106 |
| Cash dividends to net income (ytd only)* | 77.6340% | 1,265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9182% | 2,217 |
| Loan loss allowance to noncurrent loans | 156.8627% | 1,838 |
| Noncurrent assets plus other real estate owned to assets | 0.8249% | 5,450 |
| Noncurrent loans to loans | 1.2229% | 4,908 |
| Net loans and leases to total assets | 66.1620% | 4,117 |
| Net loans and leases to deposits | 75.9208% | 4,754 |
| Net loans and leases to core deposits | 90.1816% | 5,109 |
| Total domestic deposits to total assets | 87.1461% | 2,417 |
| Equity capital to assets | 12.0444% | 2,009 |
| Core capital (leverage) ratio | 12.4979% | 1,459 |
| Tier 1 risk-based capital ratio | 14.3036% | 3,320 |
| Total risk-based capital ratio | 14.3422% | 4,032 |
| Memoranda: | ||
| Average total assets | $118,643,800 | 4,613 |
| Average earning assets | $115,096,600 | 4,416 |
| Average equity | $14,892,600 | 4,078 |
| Average total loans | $79,857,000 | 4,515 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8040% | 7,112 |
| Cost of funding earning assets | 2.8688% | 505 |
| Net interest margin | 1.9351% | 7,840 |
| Noninterest income to average assets | 0.0227% | 7,759 |
| Noninterest expense to average assets | 0.9938% | 8,032 |
| Loan and lease loss provision to assets | 0.1136% | 6,234 |
| Net operating income to assets | 0.3566% | 4,565 |
| Return on assets (ROA) | 0.3566% | 4,663 |
| Pretax return on assets | 0.7962% | 3,554 |
| Return on Equity (ROE) | 2.8112% | 4,870 |
| Retained earnings to average equity (ytd only) | 2.2740% | 4,062 |
| Net charge-offs to loans | -0.0236% | 7,780 |
| Credit loss provision to net charge-offs | -714.2857% | 7,297 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.2076% | 7,394 |
| Assets per employee ($millions) | 14.8088% | 109 |
| Cash dividends to net income (ytd only)* | 19.1086% | 3,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0050% | 1,790 |
| Loan loss allowance to noncurrent loans | 201.7544% | 1,462 |
| Noncurrent assets plus other real estate owned to assets | 0.6736% | 5,799 |
| Noncurrent loans to loans | 0.9938% | 5,318 |
| Net loans and leases to total assets | 66.4227% | 4,326 |
| Net loans and leases to deposits | 76.8504% | 4,919 |
| Net loans and leases to core deposits | 91.4969% | 5,282 |
| Total domestic deposits to total assets | 86.4312% | 2,460 |
| Equity capital to assets | 12.6657% | 1,851 |
| Core capital (leverage) ratio | 12.7023% | 1,497 |
| Tier 1 risk-based capital ratio | 17.2806% | 2,192 |
| Total risk-based capital ratio | 18.5385% | 2,136 |
| Memoranda: | ||
| Average total assets | $117,392,000 | 4,661 |
| Average earning assets | $114,097,750 | 4,477 |
| Average equity | $14,892,500 | 4,116 |
| Average total loans | $78,968,750 | 4,589 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8255% | 7,180 |
| Cost of funding earning assets | 2.9329% | 565 |
| Net interest margin | 1.8927% | 7,912 |
| Noninterest income to average assets | 0.0154% | 7,890 |
| Noninterest expense to average assets | 0.9399% | 8,137 |
| Loan and lease loss provision to assets | 0.1709% | 5,359 |
| Net operating income to assets | 0.2512% | 5,081 |
| Return on assets (ROA) | 0.2512% | 5,177 |
| Pretax return on assets | 0.7485% | 3,836 |
| Return on Equity (ROE) | 1.9791% | 5,307 |
| Retained earnings to average equity (ytd only) | 1.1713% | 4,688 |
| Net charge-offs to loans | -0.0357% | 7,800 |
| Credit loss provision to net charge-offs | -714.2857% | 7,087 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.5515% | 7,627 |
| Assets per employee ($millions) | 11.9029% | 169 |
| Cash dividends to net income (ytd only)* | 40.8163% | 2,402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0336% | 1,507 |
| Loan loss allowance to noncurrent loans | 741.9355% | 459 |
| Noncurrent assets plus other real estate owned to assets | 0.1823% | 7,081 |
| Noncurrent loans to loans | 0.2741% | 6,837 |
| Net loans and leases to total assets | 65.1598% | 4,728 |
| Net loans and leases to deposits | 75.2058% | 5,290 |
| Net loans and leases to core deposits | 88.7738% | 5,654 |
| Total domestic deposits to total assets | 86.6419% | 2,438 |
| Equity capital to assets | 12.4306% | 1,957 |
| Core capital (leverage) ratio | 12.5710% | 1,590 |
| Tier 1 risk-based capital ratio | 17.3566% | 2,193 |
| Total risk-based capital ratio | 18.6143% | 2,135 |
| Memoranda: | ||
| Average total assets | $117,032,670 | 4,706 |
| Average earning assets | $114,018,330 | 4,513 |
| Average equity | $14,855,000 | 4,134 |
| Average total loans | $78,524,670 | 4,633 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8893% | 7,198 |
| Cost of funding earning assets | 2.9830% | 628 |
| Net interest margin | 1.9063% | 7,942 |
| Noninterest income to average assets | 0.0138% | 8,006 |
| Noninterest expense to average assets | 0.8136% | 8,194 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.5619% | 4,175 |
| Return on assets (ROA) | 0.5619% | 4,360 |
| Pretax return on assets | 1.0618% | 3,138 |
| Return on Equity (ROE) | 4.3804% | 4,757 |
| Retained earnings to average equity (ytd only) | 4.3804% | 3,481 |
| Net charge-offs to loans | -0.0051% | 7,182 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.3824% | 7,952 |
| Assets per employee ($millions) | 11.6393% | 185 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9252% | 1,567 |
| Loan loss allowance to noncurrent loans | 9,980.0000% | 58 |
| Noncurrent assets plus other real estate owned to assets | 0.0129% | 7,600 |
| Noncurrent loans to loans | 0.0193% | 7,505 |
| Net loans and leases to total assets | 65.5203% | 4,697 |
| Net loans and leases to deposits | 76.0625% | 5,218 |
| Net loans and leases to core deposits | 91.0231% | 5,453 |
| Total domestic deposits to total assets | 86.1401% | 2,643 |
| Equity capital to assets | 12.8358% | 1,816 |
| Core capital (leverage) ratio | 12.7625% | 1,575 |
| Tier 1 risk-based capital ratio | 17.8789% | 2,090 |
| Total risk-based capital ratio | 19.1355% | 2,032 |
| Memoranda: | ||
| Average total assets | $116,034,500 | 4,752 |
| Average earning assets | $113,309,500 | 4,552 |
| Average equity | $14,884,500 | 4,160 |
| Average total loans | $78,202,500 | 4,674 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8620% | 6,225 |
| Cost of funding earning assets | 3.4184% | 676 |
| Net interest margin | 2.4436% | 7,813 |
| Noninterest income to average assets | 0.0239% | 8,016 |
| Noninterest expense to average assets | 0.9474% | 8,215 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.9483% | 2,799 |
| Return on assets (ROA) | 0.9483% | 2,655 |
| Pretax return on assets | 1.4489% | 1,829 |
| Return on Equity (ROE) | 7.3382% | 3,349 |
| Retained earnings to average equity (ytd only) | 4.4632% | 2,349 |
| Net charge-offs to loans | -0.0242% | 7,943 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.5349% | 8,140 |
| Assets per employee ($millions) | 11.5676% | 181 |
| Cash dividends to net income (ytd only)* | 39.1791% | 3,678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9022% | 1,409 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 66.6958% | 4,708 |
| Net loans and leases to deposits | 77.3808% | 5,423 |
| Net loans and leases to core deposits | 91.5185% | 5,682 |
| Total domestic deposits to total assets | 86.1916% | 2,320 |
| Equity capital to assets | 12.8194% | 1,864 |
| Core capital (leverage) ratio | 12.9108% | 1,573 |
| Tier 1 risk-based capital ratio | 17.5523% | 2,166 |
| Total risk-based capital ratio | 18.8091% | 2,102 |
| Memoranda: | ||
| Average total assets | $113,050,000 | 4,695 |
| Average earning assets | $109,757,600 | 4,518 |
| Average equity | $14,608,400 | 4,219 |
| Average total loans | $74,395,600 | 4,722 |