Home > Peoples Community State Bank > Performance and Condition Ratios
Peoples Community 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 | 5.0805% | 789 |
| Cost of funding earning assets | 0.5481% | 3,132 |
| Net interest margin | 4.5324% | 690 |
| Noninterest income to average assets | 1.0839% | 1,204 |
| Noninterest expense to average assets | 2.6021% | 4,453 |
| Loan and lease loss provision to assets | 0.1473% | 2,444 |
| Net operating income to assets | 2.4856% | 170 |
| Return on assets (ROA) | 2.4856% | 175 |
| Pretax return on assets | 2.4871% | 201 |
| Return on Equity (ROE) | 14.7776% | 806 |
| Retained earnings to average equity (ytd only) | 6.5220% | 1,669 |
| Net charge-offs to loans | 0.2122% | 2,765 |
| Credit loss provision to net charge-offs | 106.1111% | 2,271 |
| Earnings coverage of net charge-offs (x) | 18.9722% | 1,628 |
| Efficiency ratio | 49.6906% | 6,410 |
| Assets per employee ($millions) | 3.5724% | 4,754 |
| Cash dividends to net income (ytd only)* | 55.8659% | 1,975 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1521% | 1,250 |
| Loan loss allowance to noncurrent loans | 1,224.4898% | 431 |
| Noncurrent assets plus other real estate owned to assets | 0.7566% | 3,992 |
| Noncurrent loans to loans | 0.1758% | 5,675 |
| Net loans and leases to total assets | 61.9157% | 3,378 |
| Net loans and leases to deposits | 75.0879% | 3,085 |
| Net loans and leases to core deposits | 79.0631% | 3,231 |
| Total domestic deposits to total assets | 82.4577% | 4,723 |
| Equity capital to assets | 16.8447% | 413 |
| Core capital (leverage) ratio | 15.6571% | 517 |
| Tier 1 risk-based capital ratio | 24.2870% | 924 |
| Total risk-based capital ratio | 25.5559% | 912 |
| Memoranda: | ||
| Average total assets | $129,626,600 | 4,083 |
| Average earning assets | $118,767,400 | 4,067 |
| Average equity | $21,803,200 | 2,943 |
| Average total loans | $84,818,400 | 3,801 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0682% | 822 |
| Cost of funding earning assets | 0.5466% | 3,297 |
| Net interest margin | 4.5216% | 710 |
| Noninterest income to average assets | 1.0740% | 1,271 |
| Noninterest expense to average assets | 2.4787% | 4,791 |
| Loan and lease loss provision to assets | 0.1468% | 2,442 |
| Net operating income to assets | 2.6027% | 155 |
| Return on assets (ROA) | 2.6027% | 161 |
| Pretax return on assets | 2.6038% | 216 |
| Return on Equity (ROE) | 15.4799% | 721 |
| Retained earnings to average equity (ytd only) | 4.4141% | 3,532 |
| Net charge-offs to loans | 0.2068% | 2,585 |
| Credit loss provision to net charge-offs | 107.5758% | 2,183 |
| Earnings coverage of net charge-offs (x) | 20.1586% | 1,602 |
| Efficiency ratio | 47.4007% | 6,530 |
| Assets per employee ($millions) | 3.2277% | 5,437 |
| Cash dividends to net income (ytd only)* | 71.4853% | 1,031 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1054% | 1,493 |
| Loan loss allowance to noncurrent loans | 3,212.5000% | 188 |
| Noncurrent assets plus other real estate owned to assets | 0.8131% | 4,076 |
| Noncurrent loans to loans | 0.0655% | 6,143 |
| Net loans and leases to total assets | 63.2068% | 3,127 |
| Net loans and leases to deposits | 76.4246% | 2,892 |
| Net loans and leases to core deposits | 80.3092% | 3,097 |
| Total domestic deposits to total assets | 82.7048% | 4,682 |
| Equity capital to assets | 16.3915% | 482 |
| Core capital (leverage) ratio | 15.7431% | 528 |
| Tier 1 risk-based capital ratio | 23.0839% | 1,129 |
| Total risk-based capital ratio | 24.3517% | 1,114 |
| Memoranda: | ||
| Average total assets | $128,988,750 | 4,138 |
| Average earning assets | $118,539,500 | 4,118 |
| Average equity | $21,687,750 | 2,996 |
| Average total loans | $85,113,250 | 3,835 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0739% | 813 |
| Cost of funding earning assets | 0.5530% | 3,379 |
| Net interest margin | 4.5209% | 683 |
| Noninterest income to average assets | 1.0870% | 1,297 |
| Noninterest expense to average assets | 2.5729% | 4,480 |
| Loan and lease loss provision to assets | 0.1470% | 2,493 |
| Net operating income to assets | 2.5213% | 165 |
| Return on assets (ROA) | 2.5213% | 178 |
| Pretax return on assets | 2.5228% | 266 |
| Return on Equity (ROE) | 14.8665% | 829 |
| Retained earnings to average equity (ytd only) | -1.7338% | 6,158 |
| Net charge-offs to loans | 0.2494% | 2,236 |
| Credit loss provision to net charge-offs | 88.6792% | 2,473 |
| Earnings coverage of net charge-offs (x) | 16.1038% | 1,686 |
| Efficiency ratio | 49.0752% | 6,478 |
| Assets per employee ($millions) | 3.0192% | 5,817 |
| Cash dividends to net income (ytd only)* | 111.6625% | 416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1121% | 1,606 |
| Loan loss allowance to noncurrent loans | 217.2372% | 1,857 |
| Noncurrent assets plus other real estate owned to assets | 1.4165% | 2,976 |
| Noncurrent loans to loans | 0.9722% | 3,994 |
| Net loans and leases to total assets | 63.4385% | 3,016 |
| Net loans and leases to deposits | 76.0829% | 2,863 |
| Net loans and leases to core deposits | 79.9874% | 3,026 |
| Total domestic deposits to total assets | 83.3807% | 4,556 |
| Equity capital to assets | 15.7812% | 563 |
| Core capital (leverage) ratio | 15.2761% | 566 |
| Tier 1 risk-based capital ratio | 22.6153% | 1,193 |
| Total risk-based capital ratio | 23.8842% | 1,170 |
| Memoranda: | ||
| Average total assets | $127,872,670 | 4,187 |
| Average earning assets | $117,543,670 | 4,167 |
| Average equity | $21,686,330 | 3,020 |
| Average total loans | $85,002,670 | 3,852 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0750% | 783 |
| Cost of funding earning assets | 0.5597% | 3,476 |
| Net interest margin | 4.5153% | 663 |
| Noninterest income to average assets | 1.0623% | 1,319 |
| Noninterest expense to average assets | 2.6068% | 4,387 |
| Loan and lease loss provision to assets | 0.1450% | 2,429 |
| Net operating income to assets | 2.4524% | 169 |
| Return on assets (ROA) | 2.4524% | 181 |
| Pretax return on assets | 2.4555% | 284 |
| Return on Equity (ROE) | 13.9642% | 969 |
| Retained earnings to average equity (ytd only) | 13.9642% | 454 |
| Net charge-offs to loans | 0.0328% | 3,575 |
| Credit loss provision to net charge-offs | 657.1429% | 424 |
| Earnings coverage of net charge-offs (x) | 117.8571% | 328 |
| Efficiency ratio | 50.0605% | 6,494 |
| Assets per employee ($millions) | 3.1438% | 5,737 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1515% | 1,688 |
| Loan loss allowance to noncurrent loans | 482.3219% | 883 |
| Noncurrent assets plus other real estate owned to assets | 0.9636% | 4,004 |
| Noncurrent loans to loans | 0.4461% | 5,305 |
| Net loans and leases to total assets | 64.5003% | 2,613 |
| Net loans and leases to deposits | 78.9300% | 2,224 |
| Net loans and leases to core deposits | 81.6261% | 2,623 |
| Total domestic deposits to total assets | 81.7183% | 5,291 |
| Equity capital to assets | 17.5198% | 367 |
| Core capital (leverage) ratio | 16.3912% | 414 |
| Tier 1 risk-based capital ratio | 23.7537% | 1,050 |
| Total risk-based capital ratio | 25.0238% | 1,026 |
| Memoranda: | ||
| Average total assets | $126,896,500 | 4,246 |
| Average earning assets | $116,493,500 | 4,231 |
| Average equity | $22,285,500 | 2,996 |
| Average total loans | $85,436,000 | 3,857 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4940% | 629 |
| Cost of funding earning assets | 0.6570% | 3,855 |
| Net interest margin | 4.8370% | 511 |
| Noninterest income to average assets | 1.2134% | 1,062 |
| Noninterest expense to average assets | 3.1318% | 2,839 |
| Loan and lease loss provision to assets | 0.2535% | 2,626 |
| Net operating income to assets | 2.2978% | 211 |
| Return on assets (ROA) | 2.2978% | 229 |
| Pretax return on assets | 2.2978% | 343 |
| Return on Equity (ROE) | 14.0047% | 992 |
| Retained earnings to average equity (ytd only) | 5.6600% | 2,277 |
| Net charge-offs to loans | 0.0034% | 5,936 |
| Credit loss provision to net charge-offs | 10,800.0000% | 21 |
| Earnings coverage of net charge-offs (x) | 1,087.0000% | 28 |
| Efficiency ratio | 55.1074% | 6,155 |
| Assets per employee ($millions) | 2.9738% | 6,052 |
| Cash dividends to net income (ytd only)* | 59.5846% | 1,822 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0825% | 1,812 |
| Loan loss allowance to noncurrent loans | 520.0581% | 799 |
| Noncurrent assets plus other real estate owned to assets | 0.9239% | 4,188 |
| Noncurrent loans to loans | 0.4004% | 5,492 |
| Net loans and leases to total assets | 67.3488% | 2,308 |
| Net loans and leases to deposits | 82.4476% | 1,943 |
| Net loans and leases to core deposits | 85.5719% | 2,364 |
| Total domestic deposits to total assets | 81.6868% | 5,199 |
| Equity capital to assets | 17.6054% | 357 |
| Core capital (leverage) ratio | 15.9838% | 460 |
| Tier 1 risk-based capital ratio | 22.7864% | 1,142 |
| Total risk-based capital ratio | 24.0554% | 1,127 |
| Memoranda: | ||
| Average total assets | $127,819,400 | 4,194 |
| Average earning assets | $118,110,800 | 4,156 |
| Average equity | $20,971,600 | 3,092 |
| Average total loans | $89,005,200 | 3,770 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4915% | 690 |
| Cost of funding earning assets | 0.6698% | 4,022 |
| Net interest margin | 4.8218% | 545 |
| Noninterest income to average assets | 1.2477% | 961 |
| Noninterest expense to average assets | 3.3335% | 2,174 |
| Loan and lease loss provision to assets | 0.2842% | 2,295 |
| Net operating income to assets | 2.0951% | 335 |
| Return on assets (ROA) | 2.0951% | 375 |
| Pretax return on assets | 2.0951% | 582 |
| Return on Equity (ROE) | 13.0001% | 1,336 |
| Retained earnings to average equity (ytd only) | 1.7376% | 5,463 |
| Net charge-offs to loans | -0.1292% | 6,915 |
| Credit loss provision to net charge-offs | -314.9425% | 6,385 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3515% | 5,738 |
| Assets per employee ($millions) | 2.9978% | 6,058 |
| Cash dividends to net income (ytd only)* | 86.6337% | 519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0305% | 2,079 |
| Loan loss allowance to noncurrent loans | 436.5155% | 869 |
| Noncurrent assets plus other real estate owned to assets | 0.6400% | 5,069 |
| Noncurrent loans to loans | 0.4652% | 5,520 |
| Net loans and leases to total assets | 68.4579% | 2,223 |
| Net loans and leases to deposits | 82.7305% | 2,023 |
| Net loans and leases to core deposits | 86.8086% | 2,366 |
| Total domestic deposits to total assets | 82.7480% | 4,742 |
| Equity capital to assets | 16.4017% | 545 |
| Core capital (leverage) ratio | 14.7197% | 666 |
| Tier 1 risk-based capital ratio | 21.2645% | 1,465 |
| Total risk-based capital ratio | 22.5328% | 1,430 |
| Memoranda: | ||
| Average total assets | $128,549,500 | 4,224 |
| Average earning assets | $119,041,000 | 4,175 |
| Average equity | $20,717,250 | 3,145 |
| Average total loans | $89,779,750 | 3,796 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5127% | 702 |
| Cost of funding earning assets | 0.6901% | 4,095 |
| Net interest margin | 4.8225% | 536 |
| Noninterest income to average assets | 1.1321% | 1,110 |
| Noninterest expense to average assets | 3.7530% | 1,292 |
| Loan and lease loss provision to assets | 0.1495% | 3,653 |
| Net operating income to assets | 1.6912% | 687 |
| Return on assets (ROA) | 1.6912% | 771 |
| Pretax return on assets | 1.6912% | 1,283 |
| Return on Equity (ROE) | 10.5563% | 2,149 |
| Retained earnings to average equity (ytd only) | -6.4543% | 6,693 |
| Net charge-offs to loans | -0.0156% | 6,378 |
| Credit loss provision to net charge-offs | -1,371.4286% | 6,447 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0935% | 4,304 |
| Assets per employee ($millions) | 2.9619% | 6,131 |
| Cash dividends to net income (ytd only)* | 161.1418% | 145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7713% | 2,952 |
| Loan loss allowance to noncurrent loans | 123.7008% | 2,647 |
| Noncurrent assets plus other real estate owned to assets | 1.6467% | 3,254 |
| Noncurrent loans to loans | 1.4319% | 3,770 |
| Net loans and leases to total assets | 66.8506% | 2,496 |
| Net loans and leases to deposits | 79.8053% | 2,411 |
| Net loans and leases to core deposits | 83.1490% | 2,807 |
| Total domestic deposits to total assets | 83.7671% | 4,414 |
| Equity capital to assets | 15.4510% | 687 |
| Core capital (leverage) ratio | 14.0804% | 783 |
| Tier 1 risk-based capital ratio | 20.6110% | 1,550 |
| Total risk-based capital ratio | 21.8771% | 1,529 |
| Memoranda: | ||
| Average total assets | $128,430,330 | 4,239 |
| Average earning assets | $118,817,330 | 4,207 |
| Average equity | $20,575,330 | 3,156 |
| Average total loans | $89,681,000 | 3,814 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5668% | 672 |
| Cost of funding earning assets | 0.7183% | 4,122 |
| Net interest margin | 4.8485% | 511 |
| Noninterest income to average assets | 1.2456% | 914 |
| Noninterest expense to average assets | 2.8772% | 3,718 |
| Loan and lease loss provision to assets | 0.1475% | 3,518 |
| Net operating income to assets | 2.7109% | 137 |
| Return on assets (ROA) | 2.7109% | 163 |
| Pretax return on assets | 2.7109% | 250 |
| Return on Equity (ROE) | 16.6194% | 729 |
| Retained earnings to average equity (ytd only) | 16.6194% | 328 |
| Net charge-offs to loans | -0.0355% | 6,404 |
| Credit loss provision to net charge-offs | -587.5000% | 5,811 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.1641% | 6,664 |
| Assets per employee ($millions) | 2.9098% | 6,328 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7169% | 3,276 |
| Loan loss allowance to noncurrent loans | 103.0447% | 2,996 |
| Noncurrent assets plus other real estate owned to assets | 1.9433% | 2,981 |
| Noncurrent loans to loans | 1.6662% | 3,603 |
| Net loans and leases to total assets | 68.0952% | 2,098 |
| Net loans and leases to deposits | 82.1505% | 1,920 |
| Net loans and leases to core deposits | 85.6877% | 2,327 |
| Total domestic deposits to total assets | 82.8909% | 4,977 |
| Equity capital to assets | 16.8818% | 444 |
| Core capital (leverage) ratio | 15.5957% | 517 |
| Tier 1 risk-based capital ratio | 22.8078% | 1,158 |
| Total risk-based capital ratio | 24.0641% | 1,141 |
| Memoranda: | ||
| Average total assets | $127,484,500 | 4,294 |
| Average earning assets | $118,056,000 | 4,250 |
| Average equity | $20,795,000 | 3,133 |
| Average total loans | $90,175,500 | 3,829 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0101% | 425 |
| Cost of funding earning assets | 0.8971% | 4,142 |
| Net interest margin | 5.1130% | 333 |
| Noninterest income to average assets | 1.1584% | 977 |
| Noninterest expense to average assets | 2.6068% | 5,069 |
| Loan and lease loss provision to assets | 0.6560% | 1,550 |
| Net operating income to assets | 2.6316% | 115 |
| Return on assets (ROA) | 2.6316% | 118 |
| Pretax return on assets | 2.6332% | 169 |
| Return on Equity (ROE) | 17.7574% | 401 |
| Retained earnings to average equity (ytd only) | 8.6014% | 899 |
| Net charge-offs to loans | 0.9995% | 1,736 |
| Credit loss provision to net charge-offs | 87.0370% | 4,146 |
| Earnings coverage of net charge-offs (x) | 4.3642% | 3,141 |
| Efficiency ratio | 44.2136% | 7,118 |
| Assets per employee ($millions) | 2.8208% | 6,427 |
| Cash dividends to net income (ytd only)* | 51.5616% | 1,970 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6018% | 3,578 |
| Loan loss allowance to noncurrent loans | 62.7887% | 4,361 |
| Noncurrent assets plus other real estate owned to assets | 2.2145% | 2,719 |
| Noncurrent loans to loans | 2.5511% | 2,573 |
| Net loans and leases to total assets | 71.0402% | 1,814 |
| Net loans and leases to deposits | 88.6478% | 1,300 |
| Net loans and leases to core deposits | 93.1215% | 1,784 |
| Total domestic deposits to total assets | 80.1375% | 5,705 |
| Equity capital to assets | 15.7368% | 624 |
| Core capital (leverage) ratio | 14.5787% | 697 |
| Tier 1 risk-based capital ratio | 21.4890% | 1,323 |
| Total risk-based capital ratio | 22.7436% | 1,291 |
| Memoranda: | ||
| Average total assets | $128,971,000 | 4,191 |
| Average earning assets | $119,499,600 | 4,141 |
| Average equity | $19,113,200 | 3,264 |
| Average total loans | $97,249,000 | 3,690 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0394% | 424 |
| Cost of funding earning assets | 0.9295% | 4,200 |
| Net interest margin | 5.1100% | 332 |
| Noninterest income to average assets | 1.1337% | 1,028 |
| Noninterest expense to average assets | 2.5723% | 5,189 |
| Loan and lease loss provision to assets | 0.1586% | 4,480 |
| Net operating income to assets | 3.1335% | 89 |
| Return on assets (ROA) | 3.1335% | 90 |
| Pretax return on assets | 3.1356% | 126 |
| Return on Equity (ROE) | 21.4697% | 240 |
| Retained earnings to average equity (ytd only) | 9.1227% | 1,103 |
| Net charge-offs to loans | -0.1595% | 7,236 |
| Credit loss provision to net charge-offs | -130.5085% | 6,548 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.8476% | 7,151 |
| Assets per employee ($millions) | 2.9863% | 6,154 |
| Cash dividends to net income (ytd only)* | 57.5092% | 1,301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8870% | 2,655 |
| Loan loss allowance to noncurrent loans | 193.5685% | 1,596 |
| Noncurrent assets plus other real estate owned to assets | 1.1530% | 4,482 |
| Noncurrent loans to loans | 0.9749% | 4,940 |
| Net loans and leases to total assets | 73.8379% | 1,348 |
| Net loans and leases to deposits | 91.2468% | 1,077 |
| Net loans and leases to core deposits | 95.8914% | 1,616 |
| Total domestic deposits to total assets | 80.9210% | 5,462 |
| Equity capital to assets | 14.9380% | 866 |
| Core capital (leverage) ratio | 14.2111% | 842 |
| Tier 1 risk-based capital ratio | 20.2847% | 1,623 |
| Total risk-based capital ratio | 21.5447% | 1,587 |
| Memoranda: | ||
| Average total assets | $129,479,250 | 4,211 |
| Average earning assets | $119,919,750 | 4,154 |
| Average equity | $18,897,500 | 3,304 |
| Average total loans | $98,650,000 | 3,679 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0539% | 426 |
| Cost of funding earning assets | 0.9637% | 4,224 |
| Net interest margin | 5.0902% | 340 |
| Noninterest income to average assets | 1.1161% | 1,042 |
| Noninterest expense to average assets | 2.5442% | 5,378 |
| Loan and lease loss provision to assets | 0.1552% | 4,371 |
| Net operating income to assets | 3.1279% | 97 |
| Return on assets (ROA) | 3.1279% | 98 |
| Pretax return on assets | 3.1310% | 131 |
| Return on Equity (ROE) | 21.6039% | 250 |
| Retained earnings to average equity (ytd only) | 2.8412% | 4,479 |
| Net charge-offs to loans | -0.1238% | 7,209 |
| Credit loss provision to net charge-offs | -163.9344% | 6,366 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.6368% | 7,249 |
| Assets per employee ($millions) | 3.0120% | 6,061 |
| Cash dividends to net income (ytd only)* | 86.8486% | 650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7697% | 3,095 |
| Loan loss allowance to noncurrent loans | 197.8579% | 1,539 |
| Noncurrent assets plus other real estate owned to assets | 1.1273% | 4,641 |
| Noncurrent loans to loans | 0.8944% | 5,181 |
| Net loans and leases to total assets | 75.2168% | 1,201 |
| Net loans and leases to deposits | 92.2422% | 1,030 |
| Net loans and leases to core deposits | 96.3819% | 1,639 |
| Total domestic deposits to total assets | 81.5427% | 5,338 |
| Equity capital to assets | 14.3041% | 992 |
| Core capital (leverage) ratio | 13.4822% | 1,001 |
| Tier 1 risk-based capital ratio | 19.1017% | 1,811 |
| Total risk-based capital ratio | 20.3598% | 1,773 |
| Memoranda: | ||
| Average total assets | $128,840,330 | 4,251 |
| Average earning assets | $119,327,330 | 4,200 |
| Average equity | $18,654,000 | 3,310 |
| Average total loans | $98,571,330 | 3,726 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0827% | 412 |
| Cost of funding earning assets | 0.9808% | 4,346 |
| Net interest margin | 5.1019% | 308 |
| Noninterest income to average assets | 1.1144% | 1,053 |
| Noninterest expense to average assets | 2.5400% | 5,424 |
| Loan and lease loss provision to assets | 0.1494% | 4,152 |
| Net operating income to assets | 3.1470% | 105 |
| Return on assets (ROA) | 3.1470% | 107 |
| Pretax return on assets | 3.1532% | 139 |
| Return on Equity (ROE) | 21.6049% | 261 |
| Retained earnings to average equity (ytd only) | 21.6049% | 140 |
| Net charge-offs to loans | -0.0366% | 6,777 |
| Credit loss provision to net charge-offs | -533.3333% | 5,976 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.4736% | 7,299 |
| Assets per employee ($millions) | 2.9937% | 6,153 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6822% | 3,406 |
| Loan loss allowance to noncurrent loans | 127.4903% | 2,297 |
| Noncurrent assets plus other real estate owned to assets | 1.3097% | 4,350 |
| Noncurrent loans to loans | 1.3195% | 4,495 |
| Net loans and leases to total assets | 74.9594% | 1,187 |
| Net loans and leases to deposits | 92.6214% | 970 |
| Net loans and leases to core deposits | 96.8232% | 1,611 |
| Total domestic deposits to total assets | 80.9310% | 5,680 |
| Equity capital to assets | 14.9231% | 783 |
| Core capital (leverage) ratio | 13.9496% | 861 |
| Tier 1 risk-based capital ratio | 20.2831% | 1,525 |
| Total risk-based capital ratio | 21.5403% | 1,495 |
| Memoranda: | ||
| Average total assets | $128,503,000 | 4,294 |
| Average earning assets | $119,092,500 | 4,238 |
| Average equity | $18,718,000 | 3,292 |
| Average total loans | $98,271,000 | 3,764 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1695% | 611 |
| Cost of funding earning assets | 1.2391% | 4,294 |
| Net interest margin | 4.9304% | 509 |
| Noninterest income to average assets | 0.9870% | 1,551 |
| Noninterest expense to average assets | 2.6471% | 5,232 |
| Loan and lease loss provision to assets | 0.1740% | 5,482 |
| Net operating income to assets | 2.7612% | 86 |
| Return on assets (ROA) | 2.7651% | 86 |
| Pretax return on assets | 2.7675% | 143 |
| Return on Equity (ROE) | 20.4993% | 225 |
| Retained earnings to average equity (ytd only) | 11.7464% | 297 |
| Net charge-offs to loans | 0.0084% | 6,757 |
| Credit loss provision to net charge-offs | 2,762.5000% | 86 |
| Earnings coverage of net charge-offs (x) | 466.5000% | 47 |
| Efficiency ratio | 47.3996% | 7,291 |
| Assets per employee ($millions) | 2.8506% | 6,437 |
| Cash dividends to net income (ytd only)* | 42.6985% | 2,458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6200% | 3,506 |
| Loan loss allowance to noncurrent loans | 132.8333% | 2,216 |
| Noncurrent assets plus other real estate owned to assets | 1.3603% | 4,304 |
| Noncurrent loans to loans | 1.2195% | 4,691 |
| Net loans and leases to total assets | 75.4636% | 1,389 |
| Net loans and leases to deposits | 92.3967% | 1,221 |
| Net loans and leases to core deposits | 96.0672% | 2,009 |
| Total domestic deposits to total assets | 81.6735% | 5,304 |
| Equity capital to assets | 14.2081% | 980 |
| Core capital (leverage) ratio | 13.1639% | 1,073 |
| Tier 1 risk-based capital ratio | 19.1215% | 1,690 |
| Total risk-based capital ratio | 20.3781% | 1,653 |
| Memoranda: | ||
| Average total assets | $127,045,800 | 4,335 |
| Average earning assets | $118,470,000 | 4,264 |
| Average equity | $17,137,200 | 3,569 |
| Average total loans | $95,685,600 | 3,903 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1309% | 716 |
| Cost of funding earning assets | 1.2760% | 4,399 |
| Net interest margin | 4.8549% | 602 |
| Noninterest income to average assets | 0.9289% | 1,694 |
| Noninterest expense to average assets | 2.5543% | 5,491 |
| Loan and lease loss provision to assets | 0.1525% | 5,516 |
| Net operating income to assets | 2.7542% | 103 |
| Return on assets (ROA) | 2.7594% | 107 |
| Pretax return on assets | 2.7626% | 163 |
| Return on Equity (ROE) | 20.7367% | 270 |
| Retained earnings to average equity (ytd only) | 8.8782% | 1,093 |
| Net charge-offs to loans | 0.0716% | 5,797 |
| Credit loss provision to net charge-offs | 284.3137% | 1,138 |
| Earnings coverage of net charge-offs (x) | 54.2340% | 534 |
| Efficiency ratio | 46.7462% | 7,353 |
| Assets per employee ($millions) | 2.8047% | 6,575 |
| Cash dividends to net income (ytd only)* | 57.1864% | 1,353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5370% | 3,790 |
| Loan loss allowance to noncurrent loans | 125.6388% | 2,259 |
| Noncurrent assets plus other real estate owned to assets | 1.6742% | 3,940 |
| Noncurrent loans to loans | 1.2233% | 4,804 |
| Net loans and leases to total assets | 74.8679% | 1,605 |
| Net loans and leases to deposits | 91.4363% | 1,519 |
| Net loans and leases to core deposits | 94.8059% | 2,409 |
| Total domestic deposits to total assets | 81.8798% | 5,044 |
| Equity capital to assets | 13.8163% | 1,234 |
| Core capital (leverage) ratio | 12.7295% | 1,323 |
| Tier 1 risk-based capital ratio | 18.9356% | 1,765 |
| Total risk-based capital ratio | 20.1909% | 1,730 |
| Memoranda: | ||
| Average total assets | $126,737,500 | 4,398 |
| Average earning assets | $118,392,250 | 4,323 |
| Average equity | $16,865,000 | 3,663 |
| Average total loans | $95,007,500 | 3,999 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1118% | 738 |
| Cost of funding earning assets | 1.2899% | 4,595 |
| Net interest margin | 4.8219% | 637 |
| Noninterest income to average assets | 0.9203% | 1,617 |
| Noninterest expense to average assets | 2.5120% | 5,675 |
| Loan and lease loss provision to assets | 0.1513% | 5,389 |
| Net operating income to assets | 2.7531% | 106 |
| Return on assets (ROA) | 2.7610% | 108 |
| Pretax return on assets | 2.7657% | 162 |
| Return on Equity (ROE) | 21.0148% | 256 |
| Retained earnings to average equity (ytd only) | 3.0227% | 4,191 |
| Net charge-offs to loans | 0.0148% | 6,134 |
| Credit loss provision to net charge-offs | 1,371.4286% | 287 |
| Earnings coverage of net charge-offs (x) | 263.7143% | 125 |
| Efficiency ratio | 46.3372% | 7,424 |
| Assets per employee ($millions) | 2.8386% | 6,486 |
| Cash dividends to net income (ytd only)* | 85.6164% | 646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5449% | 3,689 |
| Loan loss allowance to noncurrent loans | 617.6471% | 532 |
| Noncurrent assets plus other real estate owned to assets | 0.7253% | 5,682 |
| Noncurrent loans to loans | 0.2501% | 6,730 |
| Net loans and leases to total assets | 71.7473% | 2,472 |
| Net loans and leases to deposits | 87.8754% | 2,191 |
| Net loans and leases to core deposits | 91.9011% | 3,008 |
| Total domestic deposits to total assets | 81.6466% | 5,129 |
| Equity capital to assets | 12.7000% | 1,684 |
| Core capital (leverage) ratio | 11.9108% | 1,694 |
| Tier 1 risk-based capital ratio | 17.8554% | 1,995 |
| Total risk-based capital ratio | 19.1111% | 1,961 |
| Memoranda: | ||
| Average total assets | $126,912,330 | 4,429 |
| Average earning assets | $118,460,000 | 4,354 |
| Average equity | $16,674,000 | 3,691 |
| Average total loans | $94,687,330 | 4,046 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1375% | 725 |
| Cost of funding earning assets | 1.3174% | 4,710 |
| Net interest margin | 4.8201% | 618 |
| Noninterest income to average assets | 0.9338% | 1,505 |
| Noninterest expense to average assets | 2.5487% | 5,555 |
| Loan and lease loss provision to assets | 0.1471% | 5,078 |
| Net operating income to assets | 2.7214% | 114 |
| Return on assets (ROA) | 2.7374% | 118 |
| Pretax return on assets | 2.7470% | 172 |
| Return on Equity (ROE) | 20.4791% | 355 |
| Retained earnings to average equity (ytd only) | 20.4791% | 183 |
| Net charge-offs to loans | -0.0042% | 6,805 |
| Credit loss provision to net charge-offs | -4,600.0000% | 6,636 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.9652% | 7,501 |
| Assets per employee ($millions) | 2.7840% | 6,677 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5200% | 3,811 |
| Loan loss allowance to noncurrent loans | 560.0000% | 577 |
| Noncurrent assets plus other real estate owned to assets | 0.6200% | 5,966 |
| Noncurrent loans to loans | 0.2714% | 6,779 |
| Net loans and leases to total assets | 72.2440% | 2,401 |
| Net loans and leases to deposits | 89.3050% | 2,015 |
| Net loans and leases to core deposits | 93.5008% | 2,904 |
| Total domestic deposits to total assets | 80.8958% | 5,495 |
| Equity capital to assets | 13.3868% | 1,369 |
| Core capital (leverage) ratio | 12.8050% | 1,289 |
| Tier 1 risk-based capital ratio | 19.1102% | 1,694 |
| Total risk-based capital ratio | 20.3661% | 1,661 |
| Memoranda: | ||
| Average total assets | $125,081,000 | 4,519 |
| Average earning assets | $116,594,500 | 4,452 |
| Average equity | $16,719,500 | 3,713 |
| Average total loans | $94,454,000 | 4,114 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5040% | 668 |
| Cost of funding earning assets | 1.6296% | 4,890 |
| Net interest margin | 4.8744% | 592 |
| Noninterest income to average assets | 1.0107% | 1,536 |
| Noninterest expense to average assets | 2.7769% | 5,067 |
| Loan and lease loss provision to assets | 0.1671% | 6,018 |
| Net operating income to assets | 2.6199% | 78 |
| Return on assets (ROA) | 2.6199% | 82 |
| Pretax return on assets | 2.6216% | 136 |
| Return on Equity (ROE) | 20.4570% | 227 |
| Retained earnings to average equity (ytd only) | 10.6250% | 313 |
| Net charge-offs to loans | 0.4307% | 4,074 |
| Credit loss provision to net charge-offs | 50.8951% | 6,733 |
| Earnings coverage of net charge-offs (x) | 8.4962% | 1,937 |
| Efficiency ratio | 49.8944% | 7,543 |
| Assets per employee ($millions) | 2.8394% | 6,585 |
| Cash dividends to net income (ytd only)* | 48.0615% | 2,566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4543% | 3,948 |
| Loan loss allowance to noncurrent loans | 2,192.0635% | 187 |
| Noncurrent assets plus other real estate owned to assets | 0.4931% | 6,215 |
| Noncurrent loans to loans | 0.0663% | 7,257 |
| Net loans and leases to total assets | 76.6438% | 1,660 |
| Net loans and leases to deposits | 94.2567% | 1,563 |
| Net loans and leases to core deposits | 110.0075% | 2,895 |
| Total domestic deposits to total assets | 81.3139% | 5,227 |
| Equity capital to assets | 13.3461% | 1,379 |
| Core capital (leverage) ratio | 12.5004% | 1,457 |
| Tier 1 risk-based capital ratio | 18.1033% | 1,862 |
| Total risk-based capital ratio | 19.3631% | 1,818 |
| Memoranda: | ||
| Average total assets | $119,126,000 | 4,602 |
| Average earning assets | $111,316,600 | 4,527 |
| Average equity | $15,256,400 | 4,022 |
| Average total loans | $90,780,600 | 4,196 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4887% | 766 |
| Cost of funding earning assets | 1.6658% | 5,082 |
| Net interest margin | 4.8230% | 656 |
| Noninterest income to average assets | 0.9911% | 1,638 |
| Noninterest expense to average assets | 2.7931% | 4,928 |
| Loan and lease loss provision to assets | 0.1678% | 5,680 |
| Net operating income to assets | 2.5442% | 96 |
| Return on assets (ROA) | 2.5442% | 106 |
| Pretax return on assets | 2.5465% | 178 |
| Return on Equity (ROE) | 20.0838% | 309 |
| Retained earnings to average equity (ytd only) | 6.7479% | 1,608 |
| Net charge-offs to loans | 0.0178% | 6,668 |
| Credit loss provision to net charge-offs | 1,241.6667% | 306 |
| Earnings coverage of net charge-offs (x) | 200.8281% | 194 |
| Efficiency ratio | 50.7157% | 7,505 |
| Assets per employee ($millions) | 2.7277% | 6,788 |
| Cash dividends to net income (ytd only)* | 66.4012% | 1,387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8151% | 2,232 |
| Loan loss allowance to noncurrent loans | 431.8182% | 725 |
| Noncurrent assets plus other real estate owned to assets | 0.3226% | 6,678 |
| Noncurrent loans to loans | 0.4203% | 6,494 |
| Net loans and leases to total assets | 75.3568% | 2,145 |
| Net loans and leases to deposits | 90.9090% | 2,412 |
| Net loans and leases to core deposits | 105.6528% | 3,742 |
| Total domestic deposits to total assets | 82.8926% | 4,274 |
| Equity capital to assets | 12.5900% | 1,887 |
| Core capital (leverage) ratio | 11.7298% | 1,948 |
| Tier 1 risk-based capital ratio | 17.2859% | 2,190 |
| Total risk-based capital ratio | 18.5462% | 2,132 |
| Memoranda: | ||
| Average total assets | $118,383,500 | 4,638 |
| Average earning assets | $110,856,000 | 4,561 |
| Average equity | $14,996,750 | 4,096 |
| Average total loans | $89,735,750 | 4,256 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5041% | 818 |
| Cost of funding earning assets | 1.7134% | 5,207 |
| Net interest margin | 4.7907% | 661 |
| Noninterest income to average assets | 1.0023% | 1,590 |
| Noninterest expense to average assets | 2.7196% | 5,307 |
| Loan and lease loss provision to assets | 0.1676% | 5,389 |
| Net operating income to assets | 2.5879% | 95 |
| Return on assets (ROA) | 2.5879% | 105 |
| Pretax return on assets | 2.5913% | 174 |
| Return on Equity (ROE) | 20.3849% | 313 |
| Retained earnings to average equity (ytd only) | 0.1752% | 5,142 |
| Net charge-offs to loans | 0.0227% | 6,179 |
| Credit loss provision to net charge-offs | 980.0000% | 501 |
| Earnings coverage of net charge-offs (x) | 161.3000% | 257 |
| Efficiency ratio | 49.6410% | 7,690 |
| Assets per employee ($millions) | 2.6268% | 7,002 |
| Cash dividends to net income (ytd only)* | 99.1408% | 733 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8430% | 1,934 |
| Loan loss allowance to noncurrent loans | 3,133.9623% | 144 |
| Noncurrent assets plus other real estate owned to assets | 0.2094% | 6,981 |
| Noncurrent loans to loans | 0.0588% | 7,385 |
| Net loans and leases to total assets | 73.2122% | 2,909 |
| Net loans and leases to deposits | 87.7009% | 3,219 |
| Net loans and leases to core deposits | 101.3183% | 4,367 |
| Total domestic deposits to total assets | 83.4794% | 4,022 |
| Equity capital to assets | 12.0400% | 2,183 |
| Core capital (leverage) ratio | 11.3823% | 2,143 |
| Tier 1 risk-based capital ratio | 16.9587% | 2,318 |
| Total risk-based capital ratio | 18.2192% | 2,264 |
| Memoranda: | ||
| Average total assets | $116,928,670 | 4,709 |
| Average earning assets | $109,253,330 | 4,645 |
| Average equity | $14,844,330 | 4,136 |
| Average total loans | $88,244,670 | 4,329 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4939% | 871 |
| Cost of funding earning assets | 1.7765% | 5,232 |
| Net interest margin | 4.7174% | 740 |
| Noninterest income to average assets | 1.0054% | 1,470 |
| Noninterest expense to average assets | 2.6753% | 5,121 |
| Loan and lease loss provision to assets | 0.1670% | 4,792 |
| Net operating income to assets | 2.5535% | 120 |
| Return on assets (ROA) | 2.5535% | 147 |
| Pretax return on assets | 2.5605% | 230 |
| Return on Equity (ROE) | 19.5831% | 452 |
| Retained earnings to average equity (ytd only) | 19.5831% | 176 |
| Net charge-offs to loans | 0.0825% | 4,342 |
| Credit loss provision to net charge-offs | 266.6667% | 1,779 |
| Earnings coverage of net charge-offs (x) | 43.5556% | 798 |
| Efficiency ratio | 49.5171% | 7,622 |
| Assets per employee ($millions) | 2.6227% | 7,043 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8605% | 1,717 |
| Loan loss allowance to noncurrent loans | 9,429.4118% | 63 |
| Noncurrent assets plus other real estate owned to assets | 0.2474% | 6,774 |
| Noncurrent loans to loans | 0.0197% | 7,500 |
| Net loans and leases to total assets | 71.6457% | 3,313 |
| Net loans and leases to deposits | 86.8837% | 3,498 |
| Net loans and leases to core deposits | 100.5936% | 4,486 |
| Total domestic deposits to total assets | 82.4616% | 4,388 |
| Equity capital to assets | 13.0053% | 1,743 |
| Core capital (leverage) ratio | 12.4319% | 1,713 |
| Tier 1 risk-based capital ratio | 18.7334% | 1,873 |
| Total risk-based capital ratio | 19.9938% | 1,821 |
| Memoranda: | ||
| Average total assets | $114,977,500 | 4,777 |
| Average earning assets | $107,178,000 | 4,712 |
| Average equity | $14,992,500 | 4,144 |
| Average total loans | $87,305,000 | 4,380 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2609% | 646 |
| Cost of funding earning assets | 2.3980% | 4,724 |
| Net interest margin | 4.8628% | 685 |
| Noninterest income to average assets | 1.1352% | 1,211 |
| Noninterest expense to average assets | 2.7296% | 5,130 |
| Loan and lease loss provision to assets | 0.1819% | 5,077 |
| Net operating income to assets | 2.7715% | 86 |
| Return on assets (ROA) | 2.7715% | 84 |
| Pretax return on assets | 2.7715% | 124 |
| Return on Equity (ROE) | 22.9146% | 219 |
| Retained earnings to average equity (ytd only) | 12.9614% | 167 |
| Net charge-offs to loans | 0.0639% | 5,860 |
| Credit loss provision to net charge-offs | 364.2857% | 1,214 |
| Earnings coverage of net charge-offs (x) | 59.1429% | 676 |
| Efficiency ratio | 48.0308% | 7,803 |
| Assets per employee ($millions) | 2.4874% | 7,221 |
| Cash dividends to net income (ytd only)* | 43.4363% | 3,489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7784% | 1,681 |
| Loan loss allowance to noncurrent loans | 1,728.5714% | 330 |
| Noncurrent assets plus other real estate owned to assets | 0.1858% | 6,814 |
| Noncurrent loans to loans | 0.1029% | 7,106 |
| Net loans and leases to total assets | 77.6145% | 2,232 |
| Net loans and leases to deposits | 93.9333% | 2,773 |
| Net loans and leases to core deposits | 109.1804% | 3,844 |
| Total domestic deposits to total assets | 82.6273% | 3,935 |
| Equity capital to assets | 13.0756% | 1,753 |
| Core capital (leverage) ratio | 12.3257% | 1,821 |
| Tier 1 risk-based capital ratio | 17.7337% | 2,107 |
| Total risk-based capital ratio | 18.9935% | 2,045 |
| Memoranda: | ||
| Average total assets | $112,141,400 | 4,724 |
| Average earning assets | $104,877,400 | 4,651 |
| Average equity | $13,563,400 | 4,433 |
| Average total loans | $87,622,800 | 4,299 |