Home > Riverview Bank > Performance and Condition Ratios
Riverview Bank, Performance and Condition Ratios
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8723% | 1,846 |
| Cost of funding earning assets | 0.3098% | 2,499 |
| Net interest margin | 3.5625% | 1,696 |
| Noninterest income to average assets | 0.8300% | 1,440 |
| Noninterest expense to average assets | 2.7332% | 1,507 |
| Loan and lease loss provision to assets | -0.0756% | 4,537 |
| Net operating income to assets | 1.2230% | 2,094 |
| Return on assets (ROA) | 1.2494% | 2,056 |
| Pretax return on assets | 1.5424% | 1,871 |
| Return on Equity (ROE) | 13.1200% | 1,660 |
| Retained earnings to average equity (ytd only) | 13.1200% | 619 |
| Net charge-offs to loans | 0.0830% | 847 |
| Credit loss provision to net charge-offs | -116.4818% | 3,255 |
| Earnings coverage of net charge-offs (x) | 22.1078% | 1,691 |
| Efficiency ratio | 64.6075% | 2,298 |
| Assets per employee ($millions) | 6.6062% | 2,171 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2502% | 2,730 |
| Loan loss allowance to noncurrent loans | 259.6214% | 2,178 |
| Noncurrent assets plus other real estate owned to assets | 0.3360% | 2,105 |
| Noncurrent loans to loans | 0.4815% | 2,111 |
| Net loans and leases to total assets | 68.9027% | 1,205 |
| Net loans and leases to deposits | 79.2669% | 1,356 |
| Net loans and leases to core deposits | 83.1193% | 1,484 |
| Total domestic deposits to total assets | 86.9249% | 2,382 |
| Equity capital to assets | 10.4206% | 2,516 |
| Core capital (leverage) ratio | 10.4087% | 2,135 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,296,815,000 | 779 |
| Average earning assets | $1,214,877,000 | 772 |
| Average equity | $123,493,000 | 852 |
| Average total loans | $1,013,351,500 | 665 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8409% | 1,964 |
| Cost of funding earning assets | 0.3298% | 2,488 |
| Net interest margin | 3.5111% | 1,829 |
| Noninterest income to average assets | 0.9123% | 1,238 |
| Noninterest expense to average assets | 2.7320% | 1,500 |
| Loan and lease loss provision to assets | -0.1118% | 4,647 |
| Net operating income to assets | 1.2797% | 1,923 |
| Return on assets (ROA) | 1.3134% | 1,895 |
| Pretax return on assets | 1.6236% | 1,675 |
| Return on Equity (ROE) | 14.2136% | 1,350 |
| Retained earnings to average equity (ytd only) | 14.2136% | 518 |
| Net charge-offs to loans | 0.1124% | 684 |
| Credit loss provision to net charge-offs | -123.1156% | 3,096 |
| Earnings coverage of net charge-offs (x) | 16.1943% | 1,608 |
| Efficiency ratio | 64.0562% | 2,423 |
| Assets per employee ($millions) | 6.0102% | 2,598 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1452% | 3,218 |
| Loan loss allowance to noncurrent loans | 436.9522% | 1,412 |
| Noncurrent assets plus other real estate owned to assets | 0.2229% | 2,816 |
| Noncurrent loans to loans | 0.2621% | 3,001 |
| Net loans and leases to total assets | 77.2655% | 494 |
| Net loans and leases to deposits | 88.9528% | 717 |
| Net loans and leases to core deposits | 93.3209% | 938 |
| Total domestic deposits to total assets | 86.8612% | 2,401 |
| Equity capital to assets | 10.3718% | 2,517 |
| Core capital (leverage) ratio | 10.0101% | 2,388 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,315,097,333 | 763 |
| Average earning assets | $1,232,272,667 | 760 |
| Average equity | $121,517,333 | 857 |
| Average total loans | $1,062,274,333 | 635 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4993% | 2,926 |
| Cost of funding earning assets | 0.3430% | 2,584 |
| Net interest margin | 3.1562% | 2,818 |
| Noninterest income to average assets | 0.6828% | 1,924 |
| Noninterest expense to average assets | 2.4721% | 2,257 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.9542% | 2,958 |
| Return on assets (ROA) | 1.0126% | 2,857 |
| Pretax return on assets | 1.2446% | 2,717 |
| Return on Equity (ROE) | 11.5894% | 2,163 |
| Retained earnings to average equity (ytd only) | 11.5894% | 1,255 |
| Net charge-offs to loans | 0.0214% | 1,306 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 66.7167% | 773 |
| Efficiency ratio | 66.7685% | 2,111 |
| Assets per employee ($millions) | 6.9042% | 1,860 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1094% | 3,387 |
| Loan loss allowance to noncurrent loans | 405.6131% | 1,379 |
| Noncurrent assets plus other real estate owned to assets | 0.2338% | 2,976 |
| Noncurrent loans to loans | 0.2735% | 3,121 |
| Net loans and leases to total assets | 78.7649% | 418 |
| Net loans and leases to deposits | 99.1447% | 314 |
| Net loans and leases to core deposits | 104.0296% | 573 |
| Total domestic deposits to total assets | 79.4444% | 4,275 |
| Equity capital to assets | 8.7159% | 3,948 |
| Core capital (leverage) ratio | 9.8594% | 2,677 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,365,614,000 | 736 |
| Average earning assets | $1,281,529,000 | 721 |
| Average equity | $119,316,000 | 867 |
| Average total loans | $1,118,951,500 | 606 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9839% | 2,779 |
| Cost of funding earning assets | 0.5186% | 2,820 |
| Net interest margin | 3.4653% | 2,577 |
| Noninterest income to average assets | 0.6308% | 2,096 |
| Noninterest expense to average assets | 4.9997% | 194 |
| Loan and lease loss provision to assets | 0.5019% | 487 |
| Net operating income to assets | -1.6972% | 4,952 |
| Return on assets (ROA) | -1.6321% | 4,952 |
| Pretax return on assets | -1.5948% | 4,945 |
| Return on Equity (ROE) | -17.8963% | 4,970 |
| Retained earnings to average equity (ytd only) | -19.1229% | 4,957 |
| Net charge-offs to loans | 0.1530% | 1,063 |
| Credit loss provision to net charge-offs | 393.1164% | 1,451 |
| Earnings coverage of net charge-offs (x) | -9.0701% | 3,399 |
| Efficiency ratio | 76.9602% | 1,125 |
| Assets per employee ($millions) | 6.6533% | 1,813 |
| Cash dividends to net income (ytd only)* | -6.8537% | 4,951 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0668% | 3,613 |
| Loan loss allowance to noncurrent loans | 773.6208% | 821 |
| Noncurrent assets plus other real estate owned to assets | 0.1473% | 3,547 |
| Noncurrent loans to loans | 0.1379% | 3,732 |
| Net loans and leases to total assets | 83.3560% | 208 |
| Net loans and leases to deposits | 110.2746% | 163 |
| Net loans and leases to core deposits | 112.4667% | 441 |
| Total domestic deposits to total assets | 75.5895% | 4,532 |
| Equity capital to assets | 8.7587% | 4,252 |
| Core capital (leverage) ratio | 9.7633% | 2,827 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1677% | 2,178 |
| Memoranda: | ||
| Average total assets | $1,251,594,800 | 727 |
| Average earning assets | $1,159,682,000 | 721 |
| Average equity | $114,140,600 | 864 |
| Average total loans | $1,044,236,400 | 609 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0090% | 2,945 |
| Cost of funding earning assets | 0.5619% | 2,856 |
| Net interest margin | 3.4470% | 2,762 |
| Noninterest income to average assets | 0.6791% | 1,859 |
| Noninterest expense to average assets | 5.7706% | 137 |
| Loan and lease loss provision to assets | 0.6155% | 400 |
| Net operating income to assets | -2.5283% | 4,996 |
| Return on assets (ROA) | -2.4396% | 4,995 |
| Pretax return on assets | -2.4341% | 4,992 |
| Return on Equity (ROE) | -26.4617% | 5,008 |
| Retained earnings to average equity (ytd only) | -28.1142% | 5,000 |
| Net charge-offs to loans | 0.2025% | 755 |
| Credit loss provision to net charge-offs | 365.3747% | 1,555 |
| Earnings coverage of net charge-offs (x) | -11.3217% | 3,201 |
| Efficiency ratio | 78.2056% | 1,013 |
| Assets per employee ($millions) | 6.7836% | 1,633 |
| Cash dividends to net income (ytd only)* | -6.2450% | 4,983 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9952% | 3,726 |
| Loan loss allowance to noncurrent loans | 348.7549% | 1,456 |
| Noncurrent assets plus other real estate owned to assets | 0.2475% | 3,198 |
| Noncurrent loans to loans | 0.2854% | 3,262 |
| Net loans and leases to total assets | 85.2320% | 192 |
| Net loans and leases to deposits | 112.0122% | 196 |
| Net loans and leases to core deposits | 114.0942% | 551 |
| Total domestic deposits to total assets | 76.0917% | 4,413 |
| Equity capital to assets | 7.4948% | 4,857 |
| Core capital (leverage) ratio | 8.4130% | 4,372 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3859% | 2,824 |
| Memoranda: | ||
| Average total assets | $1,225,172,750 | 729 |
| Average earning assets | $1,131,767,250 | 723 |
| Average equity | $112,955,500 | 865 |
| Average total loans | $1,019,401,250 | 624 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0729% | 3,116 |
| Cost of funding earning assets | 0.6196% | 2,865 |
| Net interest margin | 3.4532% | 2,935 |
| Noninterest income to average assets | 0.6994% | 1,738 |
| Noninterest expense to average assets | 7.3037% | 103 |
| Loan and lease loss provision to assets | 0.6454% | 456 |
| Net operating income to assets | -4.0737% | 5,044 |
| Return on assets (ROA) | -3.9358% | 5,043 |
| Pretax return on assets | -3.9444% | 5,039 |
| Return on Equity (ROE) | -39.8363% | 5,051 |
| Retained earnings to average equity (ytd only) | -42.2353% | 5,042 |
| Net charge-offs to loans | 0.3283% | 496 |
| Credit loss provision to net charge-offs | 239.4472% | 1,777 |
| Earnings coverage of net charge-offs (x) | -12.7519% | 2,989 |
| Efficiency ratio | 79.0183% | 964 |
| Assets per employee ($millions) | 5.1995% | 2,931 |
| Cash dividends to net income (ytd only)* | -6.0223% | 5,016 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8323% | 4,250 |
| Loan loss allowance to noncurrent loans | 284.3458% | 1,624 |
| Noncurrent assets plus other real estate owned to assets | 0.2812% | 3,197 |
| Noncurrent loans to loans | 0.2927% | 3,334 |
| Net loans and leases to total assets | 86.1367% | 133 |
| Net loans and leases to deposits | 113.2778% | 169 |
| Net loans and leases to core deposits | 115.6730% | 543 |
| Total domestic deposits to total assets | 76.0402% | 4,424 |
| Equity capital to assets | 7.4827% | 4,880 |
| Core capital (leverage) ratio | 8.0992% | 4,694 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1701% | 2,922 |
| Memoranda: | ||
| Average total assets | $1,181,321,333 | 742 |
| Average earning assets | $1,083,515,333 | 738 |
| Average equity | $116,712,667 | 829 |
| Average total loans | $969,872,000 | 639 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3235% | 2,847 |
| Cost of funding earning assets | 0.7280% | 2,790 |
| Net interest margin | 3.5954% | 2,679 |
| Noninterest income to average assets | 0.7762% | 1,380 |
| Noninterest expense to average assets | 3.3521% | 1,140 |
| Loan and lease loss provision to assets | 0.6553% | 405 |
| Net operating income to assets | 0.0137% | 4,739 |
| Return on assets (ROA) | 0.2778% | 4,414 |
| Pretax return on assets | 0.3109% | 4,441 |
| Return on Equity (ROE) | 2.4477% | 4,356 |
| Retained earnings to average equity (ytd only) | 0.1989% | 3,943 |
| Net charge-offs to loans | 0.4897% | 296 |
| Credit loss provision to net charge-offs | 169.0141% | 1,516 |
| Earnings coverage of net charge-offs (x) | 1.7268% | 2,351 |
| Efficiency ratio | 81.8124% | 987 |
| Assets per employee ($millions) | 4.3810% | 3,433 |
| Cash dividends to net income (ytd only)* | 91.8742% | 841 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9295% | 4,007 |
| Loan loss allowance to noncurrent loans | 301.2413% | 1,501 |
| Noncurrent assets plus other real estate owned to assets | 0.2761% | 3,350 |
| Noncurrent loans to loans | 0.3085% | 3,392 |
| Net loans and leases to total assets | 78.7234% | 877 |
| Net loans and leases to deposits | 91.6821% | 1,317 |
| Net loans and leases to core deposits | 94.2021% | 1,954 |
| Total domestic deposits to total assets | 85.8656% | 2,050 |
| Equity capital to assets | 11.1721% | 2,709 |
| Core capital (leverage) ratio | 9.1358% | 4,334 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1082% | 3,065 |
| Memoranda: | ||
| Average total assets | $1,098,651,500 | 760 |
| Average earning assets | $991,705,000 | 761 |
| Average equity | $124,686,000 | 770 |
| Average total loans | $869,955,500 | 692 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9203% | 1,697 |
| Cost of funding earning assets | 0.8014% | 2,678 |
| Net interest margin | 4.1189% | 1,488 |
| Noninterest income to average assets | 0.7621% | 1,578 |
| Noninterest expense to average assets | 3.7491% | 716 |
| Loan and lease loss provision to assets | 0.2154% | 919 |
| Net operating income to assets | 0.4405% | 4,518 |
| Return on assets (ROA) | 0.4388% | 4,555 |
| Pretax return on assets | 0.5155% | 4,549 |
| Return on Equity (ROE) | 4.0112% | 4,454 |
| Retained earnings to average equity (ytd only) | 1.3769% | 4,253 |
| Net charge-offs to loans | 0.1407% | 1,386 |
| Credit loss provision to net charge-offs | 194.3457% | 1,359 |
| Earnings coverage of net charge-offs (x) | 6.6131% | 2,961 |
| Efficiency ratio | 82.1065% | 793 |
| Assets per employee ($millions) | 4.3379% | 3,454 |
| Cash dividends to net income (ytd only)* | 65.6741% | 1,304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8820% | 4,044 |
| Loan loss allowance to noncurrent loans | 322.2985% | 1,433 |
| Noncurrent assets plus other real estate owned to assets | 0.2235% | 3,554 |
| Noncurrent loans to loans | 0.2736% | 3,470 |
| Net loans and leases to total assets | 78.2006% | 1,049 |
| Net loans and leases to deposits | 89.7442% | 1,622 |
| Net loans and leases to core deposits | 92.2997% | 2,207 |
| Total domestic deposits to total assets | 87.1372% | 1,544 |
| Equity capital to assets | 11.5320% | 2,508 |
| Core capital (leverage) ratio | 9.0747% | 4,464 |
| Tier 1 risk-based capital ratio | 11.4842% | 4,636 |
| Total risk-based capital ratio | 12.3902% | 4,693 |
| Memoranda: | ||
| Average total assets | $1,117,244,800 | 712 |
| Average earning assets | $1,008,987,600 | 722 |
| Average equity | $122,231,600 | 748 |
| Average total loans | $879,618,600 | 656 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0237% | 1,482 |
| Cost of funding earning assets | 0.8123% | 2,648 |
| Net interest margin | 4.2114% | 1,352 |
| Noninterest income to average assets | 0.7137% | 1,726 |
| Noninterest expense to average assets | 3.7593% | 693 |
| Loan and lease loss provision to assets | 0.2663% | 584 |
| Net operating income to assets | 0.4220% | 4,682 |
| Return on assets (ROA) | 0.4124% | 4,725 |
| Pretax return on assets | 0.4811% | 4,720 |
| Return on Equity (ROE) | 3.8185% | 4,624 |
| Retained earnings to average equity (ytd only) | 1.0566% | 4,549 |
| Net charge-offs to loans | 0.2258% | 785 |
| Credit loss provision to net charge-offs | 149.9001% | 1,639 |
| Earnings coverage of net charge-offs (x) | 4.2705% | 3,026 |
| Efficiency ratio | 81.6834% | 778 |
| Assets per employee ($millions) | 4.1874% | 3,637 |
| Cash dividends to net income (ytd only)* | 72.3307% | 875 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8030% | 4,405 |
| Loan loss allowance to noncurrent loans | 234.4566% | 1,849 |
| Noncurrent assets plus other real estate owned to assets | 0.2806% | 3,433 |
| Noncurrent loans to loans | 0.3425% | 3,308 |
| Net loans and leases to total assets | 79.0110% | 989 |
| Net loans and leases to deposits | 90.3941% | 1,648 |
| Net loans and leases to core deposits | 92.8170% | 2,288 |
| Total domestic deposits to total assets | 87.4073% | 1,306 |
| Equity capital to assets | 11.1550% | 2,962 |
| Core capital (leverage) ratio | 8.8159% | 4,764 |
| Tier 1 risk-based capital ratio | 10.9738% | 4,920 |
| Total risk-based capital ratio | 11.7983% | 4,995 |
| Memoranda: | ||
| Average total assets | $1,126,521,500 | 703 |
| Average earning assets | $1,017,626,750 | 714 |
| Average equity | $121,649,250 | 748 |
| Average total loans | $886,475,750 | 651 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8664% | 1,857 |
| Cost of funding earning assets | 0.8153% | 2,574 |
| Net interest margin | 4.0511% | 1,760 |
| Noninterest income to average assets | 0.7038% | 1,696 |
| Noninterest expense to average assets | 3.9463% | 575 |
| Loan and lease loss provision to assets | 0.2122% | 792 |
| Net operating income to assets | 0.1971% | 5,002 |
| Return on assets (ROA) | 0.1901% | 5,015 |
| Pretax return on assets | 0.2002% | 5,025 |
| Return on Equity (ROE) | 1.7794% | 4,966 |
| Retained earnings to average equity (ytd only) | -1.2469% | 4,853 |
| Net charge-offs to loans | 0.1233% | 1,206 |
| Credit loss provision to net charge-offs | 219.5612% | 1,135 |
| Earnings coverage of net charge-offs (x) | 4.3437% | 2,743 |
| Efficiency ratio | 88.8165% | 399 |
| Assets per employee ($millions) | 3.9721% | 3,902 |
| Cash dividends to net income (ytd only)* | 170.0743% | 110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7872% | 4,481 |
| Loan loss allowance to noncurrent loans | 315.8322% | 1,501 |
| Noncurrent assets plus other real estate owned to assets | 0.2056% | 3,756 |
| Noncurrent loans to loans | 0.2492% | 3,642 |
| Net loans and leases to total assets | 78.7827% | 1,075 |
| Net loans and leases to deposits | 90.0387% | 1,735 |
| Net loans and leases to core deposits | 93.3781% | 2,291 |
| Total domestic deposits to total assets | 87.4987% | 1,340 |
| Equity capital to assets | 10.9114% | 3,166 |
| Core capital (leverage) ratio | 8.5068% | 4,964 |
| Tier 1 risk-based capital ratio | 10.5623% | 5,085 |
| Total risk-based capital ratio | 11.3613% | 5,146 |
| Memoranda: | ||
| Average total assets | $1,132,145,670 | 696 |
| Average earning assets | $1,023,464,000 | 708 |
| Average equity | $120,938,670 | 742 |
| Average total loans | $887,353,670 | 649 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6584% | 2,356 |
| Cost of funding earning assets | 0.8058% | 2,505 |
| Net interest margin | 3.8526% | 2,336 |
| Noninterest income to average assets | 0.6129% | 1,990 |
| Noninterest expense to average assets | 4.1601% | 430 |
| Loan and lease loss provision to assets | 0.2049% | 776 |
| Net operating income to assets | -0.1806% | 5,201 |
| Return on assets (ROA) | -0.1922% | 5,202 |
| Pretax return on assets | -0.2836% | 5,212 |
| Return on Equity (ROE) | -1.8188% | 5,210 |
| Retained earnings to average equity (ytd only) | -4.8613% | 4,917 |
| Net charge-offs to loans | 0.2008% | 698 |
| Credit loss provision to net charge-offs | 131.0112% | 1,349 |
| Earnings coverage of net charge-offs (x) | -0.4090% | 2,686 |
| Efficiency ratio | 99.8970% | 178 |
| Assets per employee ($millions) | 4.1256% | 3,731 |
| Cash dividends to net income (ytd only)* | -167.2761% | 5,341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7381% | 4,695 |
| Loan loss allowance to noncurrent loans | 234.5750% | 1,927 |
| Noncurrent assets plus other real estate owned to assets | 0.2833% | 3,466 |
| Noncurrent loans to loans | 0.3146% | 3,441 |
| Net loans and leases to total assets | 76.6055% | 1,381 |
| Net loans and leases to deposits | 87.1046% | 1,989 |
| Net loans and leases to core deposits | 90.7194% | 2,421 |
| Total domestic deposits to total assets | 87.9466% | 1,362 |
| Equity capital to assets | 10.5374% | 3,315 |
| Core capital (leverage) ratio | 8.3987% | 5,062 |
| Tier 1 risk-based capital ratio | 10.6851% | 5,121 |
| Total risk-based capital ratio | 11.4417% | 5,195 |
| Memoranda: | ||
| Average total assets | $1,138,150,500 | 696 |
| Average earning assets | $1,029,022,000 | 711 |
| Average equity | $120,296,500 | 742 |
| Average total loans | $886,293,000 | 654 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9546% | 1,147 |
| Cost of funding earning assets | 0.6883% | 2,155 |
| Net interest margin | 4.2663% | 1,238 |
| Noninterest income to average assets | 0.7590% | 1,607 |
| Noninterest expense to average assets | 3.3556% | 1,215 |
| Loan and lease loss provision to assets | 0.0532% | 3,117 |
| Net operating income to assets | 0.9985% | 3,016 |
| Return on assets (ROA) | 1.0014% | 2,991 |
| Pretax return on assets | 1.2229% | 2,803 |
| Return on Equity (ROE) | 9.4926% | 2,751 |
| Retained earnings to average equity (ytd only) | 1.9272% | 4,377 |
| Net charge-offs to loans | 0.0617% | 2,242 |
| Credit loss provision to net charge-offs | 107.3298% | 2,389 |
| Earnings coverage of net charge-offs (x) | 25.6806% | 1,761 |
| Efficiency ratio | 70.8827% | 2,058 |
| Assets per employee ($millions) | 4.0199% | 3,868 |
| Cash dividends to net income (ytd only)* | 79.6978% | 718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7102% | 4,784 |
| Loan loss allowance to noncurrent loans | 177.8649% | 2,421 |
| Noncurrent assets plus other real estate owned to assets | 0.3771% | 3,047 |
| Noncurrent loans to loans | 0.3993% | 3,097 |
| Net loans and leases to total assets | 78.0102% | 1,269 |
| Net loans and leases to deposits | 88.3197% | 2,011 |
| Net loans and leases to core deposits | 92.5380% | 2,362 |
| Total domestic deposits to total assets | 88.3271% | 1,149 |
| Equity capital to assets | 10.6015% | 3,076 |
| Core capital (leverage) ratio | 8.3678% | 5,080 |
| Tier 1 risk-based capital ratio | 10.6903% | 5,113 |
| Total risk-based capital ratio | 11.4238% | 5,199 |
| Memoranda: | ||
| Average total assets | $1,156,352,600 | 664 |
| Average earning assets | $1,048,703,400 | 669 |
| Average equity | $121,990,400 | 707 |
| Average total loans | $928,346,600 | 595 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8620% | 1,268 |
| Cost of funding earning assets | 0.6571% | 2,108 |
| Net interest margin | 4.2049% | 1,349 |
| Noninterest income to average assets | 0.7408% | 1,713 |
| Noninterest expense to average assets | 3.2339% | 1,450 |
| Loan and lease loss provision to assets | 0.0706% | 2,550 |
| Net operating income to assets | 1.0223% | 2,997 |
| Return on assets (ROA) | 1.0261% | 2,993 |
| Pretax return on assets | 1.2566% | 2,788 |
| Return on Equity (ROE) | 9.7379% | 2,736 |
| Retained earnings to average equity (ytd only) | 7.7555% | 1,767 |
| Net charge-offs to loans | 0.0639% | 1,918 |
| Credit loss provision to net charge-offs | 136.9710% | 1,832 |
| Earnings coverage of net charge-offs (x) | 25.6504% | 1,766 |
| Efficiency ratio | 69.3205% | 2,299 |
| Assets per employee ($millions) | 4.1032% | 3,722 |
| Cash dividends to net income (ytd only)* | 20.3581% | 2,999 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7065% | 4,865 |
| Loan loss allowance to noncurrent loans | 215.3744% | 2,133 |
| Noncurrent assets plus other real estate owned to assets | 0.3174% | 3,421 |
| Noncurrent loans to loans | 0.3280% | 3,495 |
| Net loans and leases to total assets | 78.6144% | 1,232 |
| Net loans and leases to deposits | 89.0788% | 2,009 |
| Net loans and leases to core deposits | 93.4624% | 2,354 |
| Total domestic deposits to total assets | 88.2526% | 1,138 |
| Equity capital to assets | 10.8170% | 2,829 |
| Core capital (leverage) ratio | 8.7336% | 4,934 |
| Tier 1 risk-based capital ratio | 11.0477% | 5,011 |
| Total risk-based capital ratio | 11.7850% | 5,147 |
| Memoranda: | ||
| Average total assets | $1,161,031,500 | 657 |
| Average earning assets | $1,053,564,750 | 665 |
| Average equity | $122,336,250 | 702 |
| Average total loans | $936,978,000 | 588 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8175% | 1,205 |
| Cost of funding earning assets | 0.6271% | 2,059 |
| Net interest margin | 4.1903% | 1,311 |
| Noninterest income to average assets | 0.7593% | 1,614 |
| Noninterest expense to average assets | 3.2607% | 1,408 |
| Loan and lease loss provision to assets | 0.0671% | 2,551 |
| Net operating income to assets | 1.0079% | 2,982 |
| Return on assets (ROA) | 1.0136% | 2,965 |
| Pretax return on assets | 1.2408% | 2,768 |
| Return on Equity (ROE) | 9.7056% | 2,708 |
| Retained earnings to average equity (ytd only) | 8.2080% | 1,534 |
| Net charge-offs to loans | 0.0625% | 1,721 |
| Credit loss provision to net charge-offs | 132.2034% | 1,703 |
| Earnings coverage of net charge-offs (x) | 25.6271% | 1,635 |
| Efficiency ratio | 69.8189% | 2,346 |
| Assets per employee ($millions) | 4.0277% | 3,845 |
| Cash dividends to net income (ytd only)* | 15.4303% | 3,145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6804% | 4,981 |
| Loan loss allowance to noncurrent loans | 177.5097% | 2,466 |
| Noncurrent assets plus other real estate owned to assets | 0.3209% | 3,481 |
| Noncurrent loans to loans | 0.3833% | 3,323 |
| Net loans and leases to total assets | 81.1138% | 840 |
| Net loans and leases to deposits | 91.7879% | 1,609 |
| Net loans and leases to core deposits | 96.2720% | 2,041 |
| Total domestic deposits to total assets | 88.3709% | 1,193 |
| Equity capital to assets | 10.7200% | 2,910 |
| Core capital (leverage) ratio | 8.4672% | 5,130 |
| Tier 1 risk-based capital ratio | 10.5132% | 5,265 |
| Total risk-based capital ratio | 11.2263% | 5,379 |
| Memoranda: | ||
| Average total assets | $1,162,338,670 | 660 |
| Average earning assets | $1,054,665,670 | 665 |
| Average equity | $121,393,330 | 707 |
| Average total loans | $943,928,330 | 588 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9852% | 717 |
| Cost of funding earning assets | 0.5986% | 2,062 |
| Net interest margin | 4.3866% | 791 |
| Noninterest income to average assets | 0.6564% | 2,011 |
| Noninterest expense to average assets | 3.2646% | 1,420 |
| Loan and lease loss provision to assets | 0.1336% | 1,410 |
| Net operating income to assets | 1.0110% | 2,816 |
| Return on assets (ROA) | 1.0110% | 2,838 |
| Pretax return on assets | 1.2375% | 2,607 |
| Return on Equity (ROE) | 9.8083% | 2,531 |
| Retained earnings to average equity (ytd only) | 9.8083% | 1,220 |
| Net charge-offs to loans | 0.0766% | 1,357 |
| Credit loss provision to net charge-offs | 215.4696% | 995 |
| Earnings coverage of net charge-offs (x) | 22.1105% | 1,415 |
| Efficiency ratio | 68.7828% | 2,704 |
| Assets per employee ($millions) | 4.1099% | 3,789 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6969% | 5,036 |
| Loan loss allowance to noncurrent loans | 218.7710% | 2,089 |
| Noncurrent assets plus other real estate owned to assets | 0.2620% | 3,821 |
| Noncurrent loans to loans | 0.3186% | 3,625 |
| Net loans and leases to total assets | 79.2516% | 1,040 |
| Net loans and leases to deposits | 89.3470% | 1,771 |
| Net loans and leases to core deposits | 93.9348% | 2,144 |
| Total domestic deposits to total assets | 88.7009% | 1,257 |
| Equity capital to assets | 10.3643% | 3,204 |
| Core capital (leverage) ratio | 8.0768% | 5,371 |
| Tier 1 risk-based capital ratio | 10.0106% | 5,504 |
| Total risk-based capital ratio | 10.7310% | 5,543 |
| Memoranda: | ||
| Average total assets | $1,167,552,500 | 661 |
| Average earning assets | $1,059,124,500 | 664 |
| Average equity | $120,347,500 | 713 |
| Average total loans | $945,512,500 | 589 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5068% | 1,687 |
| Cost of funding earning assets | 0.5685% | 1,836 |
| Net interest margin | 3.9383% | 1,961 |
| Noninterest income to average assets | 0.5731% | 2,587 |
| Noninterest expense to average assets | 3.9293% | 592 |
| Loan and lease loss provision to assets | 0.3780% | 401 |
| Net operating income to assets | -0.6938% | 5,562 |
| Return on assets (ROA) | -0.6815% | 5,559 |
| Pretax return on assets | -0.1396% | 5,481 |
| Return on Equity (ROE) | -6.9115% | 5,566 |
| Retained earnings to average equity (ytd only) | -9.8421% | 5,529 |
| Net charge-offs to loans | 0.0276% | 3,257 |
| Credit loss provision to net charge-offs | 1,708.7500% | 222 |
| Earnings coverage of net charge-offs (x) | 10.2188% | 2,705 |
| Efficiency ratio | 92.7697% | 329 |
| Assets per employee ($millions) | 3.9185% | 4,092 |
| Cash dividends to net income (ytd only)* | -42.4021% | 5,637 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6595% | 5,137 |
| Loan loss allowance to noncurrent loans | 263.8494% | 1,830 |
| Noncurrent assets plus other real estate owned to assets | 0.2256% | 4,008 |
| Noncurrent loans to loans | 0.2499% | 3,891 |
| Net loans and leases to total assets | 81.6228% | 738 |
| Net loans and leases to deposits | 92.5030% | 1,453 |
| Net loans and leases to core deposits | 97.1883% | 1,922 |
| Total domestic deposits to total assets | 88.2380% | 1,381 |
| Equity capital to assets | 10.2507% | 3,433 |
| Core capital (leverage) ratio | 7.9463% | 5,467 |
| Tier 1 risk-based capital ratio | 9.7439% | 5,575 |
| Total risk-based capital ratio | 10.4297% | 5,616 |
| Memoranda: | ||
| Average total assets | $723,266,800 | 1,013 |
| Average earning assets | $657,868,000 | 1,024 |
| Average equity | $71,316,200 | 1,117 |
| Average total loans | $579,543,000 | 888 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1164% | 2,931 |
| Cost of funding earning assets | 0.5351% | 1,988 |
| Net interest margin | 3.5813% | 3,224 |
| Noninterest income to average assets | 0.4691% | 3,221 |
| Noninterest expense to average assets | 3.3158% | 1,310 |
| Loan and lease loss provision to assets | 0.3771% | 381 |
| Net operating income to assets | 0.0200% | 5,503 |
| Return on assets (ROA) | 0.0348% | 5,496 |
| Pretax return on assets | 0.0607% | 5,482 |
| Return on Equity (ROE) | 0.3596% | 5,494 |
| Retained earnings to average equity (ytd only) | -2.6522% | 5,463 |
| Net charge-offs to loans | 0.0170% | 3,170 |
| Credit loss provision to net charge-offs | 2,796.7742% | 159 |
| Earnings coverage of net charge-offs (x) | 30.7597% | 1,533 |
| Efficiency ratio | 87.1058% | 567 |
| Assets per employee ($millions) | 4.2312% | 3,591 |
| Cash dividends to net income (ytd only)* | 837.4912% | 8 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9638% | 4,267 |
| Loan loss allowance to noncurrent loans | 304.6223% | 1,571 |
| Noncurrent assets plus other real estate owned to assets | 0.2816% | 3,940 |
| Noncurrent loans to loans | 0.3164% | 3,814 |
| Net loans and leases to total assets | 81.5158% | 764 |
| Net loans and leases to deposits | 96.5076% | 1,067 |
| Net loans and leases to core deposits | 99.1474% | 1,783 |
| Total domestic deposits to total assets | 84.4657% | 2,932 |
| Equity capital to assets | 9.2888% | 4,655 |
| Core capital (leverage) ratio | 8.3415% | 5,343 |
| Tier 1 risk-based capital ratio | 9.7726% | 5,637 |
| Total risk-based capital ratio | 10.7483% | 5,647 |
| Memoranda: | ||
| Average total assets | $613,135,750 | 1,182 |
| Average earning assets | $558,366,250 | 1,199 |
| Average equity | $59,321,000 | 1,335 |
| Average total loans | $485,372,500 | 1,061 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0224% | 3,129 |
| Cost of funding earning assets | 0.4869% | 2,275 |
| Net interest margin | 3.5354% | 3,275 |
| Noninterest income to average assets | 0.4627% | 3,269 |
| Noninterest expense to average assets | 3.4086% | 1,148 |
| Loan and lease loss provision to assets | 0.3807% | 366 |
| Net operating income to assets | -0.1202% | 5,591 |
| Return on assets (ROA) | -0.0989% | 5,589 |
| Pretax return on assets | -0.0908% | 5,579 |
| Return on Equity (ROE) | -1.0069% | 5,592 |
| Retained earnings to average equity (ytd only) | -3.3137% | 5,450 |
| Net charge-offs to loans | 0.0096% | 3,122 |
| Credit loss provision to net charge-offs | 5,109.0909% | 90 |
| Earnings coverage of net charge-offs (x) | 36.0455% | 1,339 |
| Efficiency ratio | 90.5306% | 426 |
| Assets per employee ($millions) | 3.9257% | 4,088 |
| Cash dividends to net income (ytd only)* | -229.1096% | 5,780 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9557% | 4,384 |
| Loan loss allowance to noncurrent loans | 278.2959% | 1,677 |
| Noncurrent assets plus other real estate owned to assets | 0.3092% | 3,888 |
| Noncurrent loans to loans | 0.3434% | 3,812 |
| Net loans and leases to total assets | 79.7551% | 989 |
| Net loans and leases to deposits | 95.5443% | 1,117 |
| Net loans and leases to core deposits | 97.4518% | 1,853 |
| Total domestic deposits to total assets | 83.4745% | 3,410 |
| Equity capital to assets | 10.1187% | 3,775 |
| Core capital (leverage) ratio | 9.1381% | 4,569 |
| Tier 1 risk-based capital ratio | 10.7510% | 5,359 |
| Total risk-based capital ratio | 11.7098% | 5,401 |
| Memoranda: | ||
| Average total assets | $590,441,000 | 1,222 |
| Average earning assets | $536,849,670 | 1,239 |
| Average equity | $58,002,330 | 1,364 |
| Average total loans | $460,261,330 | 1,112 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9062% | 3,376 |
| Cost of funding earning assets | 0.4364% | 2,653 |
| Net interest margin | 3.4698% | 3,390 |
| Noninterest income to average assets | 0.5290% | 2,771 |
| Noninterest expense to average assets | 3.6039% | 895 |
| Loan and lease loss provision to assets | 0.4234% | 260 |
| Net operating income to assets | -0.3618% | 5,716 |
| Return on assets (ROA) | -0.3625% | 5,713 |
| Pretax return on assets | -0.3555% | 5,699 |
| Return on Equity (ROE) | -3.7519% | 5,721 |
| Retained earnings to average equity (ytd only) | -8.5976% | 5,550 |
| Net charge-offs to loans | 0.0073% | 2,713 |
| Credit loss provision to net charge-offs | 7,562.5000% | 33 |
| Earnings coverage of net charge-offs (x) | 12.2500% | 1,848 |
| Efficiency ratio | 95.0076% | 343 |
| Assets per employee ($millions) | 3.8727% | 4,223 |
| Cash dividends to net income (ytd only)* | -129.1506% | 5,843 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9310% | 4,637 |
| Loan loss allowance to noncurrent loans | 226.1755% | 2,046 |
| Noncurrent assets plus other real estate owned to assets | 0.4123% | 3,536 |
| Noncurrent loans to loans | 0.4116% | 3,618 |
| Net loans and leases to total assets | 76.7454% | 1,298 |
| Net loans and leases to deposits | 92.6891% | 1,252 |
| Net loans and leases to core deposits | 94.0835% | 1,982 |
| Total domestic deposits to total assets | 82.7987% | 3,917 |
| Equity capital to assets | 10.4206% | 3,269 |
| Core capital (leverage) ratio | 9.9408% | 3,579 |
| Tier 1 risk-based capital ratio | 11.7397% | 4,891 |
| Total risk-based capital ratio | 12.6841% | 4,969 |
| Memoranda: | ||
| Average total assets | $571,605,000 | 1,261 |
| Average earning assets | $517,840,000 | 1,274 |
| Average equity | $55,225,000 | 1,425 |
| Average total loans | $437,499,000 | 1,167 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3501% | 1,980 |
| Cost of funding earning assets | 0.4097% | 2,910 |
| Net interest margin | 3.9404% | 1,820 |
| Noninterest income to average assets | 0.5594% | 2,869 |
| Noninterest expense to average assets | 3.2950% | 1,588 |
| Loan and lease loss provision to assets | 0.0873% | 2,620 |
| Net operating income to assets | 0.5542% | 4,420 |
| Return on assets (ROA) | 0.6251% | 4,223 |
| Pretax return on assets | 0.8279% | 4,100 |
| Return on Equity (ROE) | 6.8892% | 3,522 |
| Retained earnings to average equity (ytd only) | 4.0656% | 3,025 |
| Net charge-offs to loans | 0.2766% | 997 |
| Credit loss provision to net charge-offs | 41.7127% | 3,484 |
| Earnings coverage of net charge-offs (x) | 3.9291% | 3,590 |
| Efficiency ratio | 78.4438% | 1,636 |
| Assets per employee ($millions) | 3.9631% | 4,039 |
| Cash dividends to net income (ytd only)* | 40.9861% | 2,814 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9103% | 4,749 |
| Loan loss allowance to noncurrent loans | 213.8682% | 2,144 |
| Noncurrent assets plus other real estate owned to assets | 0.4365% | 3,519 |
| Noncurrent loans to loans | 0.4256% | 3,617 |
| Net loans and leases to total assets | 74.8255% | 1,718 |
| Net loans and leases to deposits | 89.7557% | 1,712 |
| Net loans and leases to core deposits | 91.3608% | 2,359 |
| Total domestic deposits to total assets | 83.3658% | 3,642 |
| Equity capital to assets | 8.8220% | 4,992 |
| Core capital (leverage) ratio | 7.7214% | 5,702 |
| Tier 1 risk-based capital ratio | 9.9482% | 5,753 |
| Total risk-based capital ratio | 10.8864% | 5,786 |
| Memoranda: | ||
| Average total assets | $519,115,000 | 1,320 |
| Average earning assets | $468,682,400 | 1,354 |
| Average equity | $47,102,600 | 1,607 |
| Average total loans | $392,594,400 | 1,214 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4244% | 1,780 |
| Cost of funding earning assets | 0.4217% | 2,827 |
| Net interest margin | 4.0027% | 1,642 |
| Noninterest income to average assets | 0.5384% | 2,991 |
| Noninterest expense to average assets | 3.2652% | 1,639 |
| Loan and lease loss provision to assets | 0.0738% | 2,745 |
| Net operating income to assets | 0.6090% | 4,260 |
| Return on assets (ROA) | 0.7033% | 3,960 |
| Pretax return on assets | 0.9380% | 3,853 |
| Return on Equity (ROE) | 7.6950% | 3,194 |
| Retained earnings to average equity (ytd only) | 5.1765% | 2,709 |
| Net charge-offs to loans | 0.3475% | 657 |
| Credit loss provision to net charge-offs | 28.0632% | 3,239 |
| Earnings coverage of net charge-offs (x) | 3.3696% | 3,430 |
| Efficiency ratio | 77.1108% | 1,822 |
| Assets per employee ($millions) | 3.9617% | 4,032 |
| Cash dividends to net income (ytd only)* | 32.7299% | 2,706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9115% | 4,830 |
| Loan loss allowance to noncurrent loans | 227.7395% | 2,033 |
| Noncurrent assets plus other real estate owned to assets | 0.4906% | 3,479 |
| Noncurrent loans to loans | 0.4002% | 3,839 |
| Net loans and leases to total assets | 75.0369% | 1,699 |
| Net loans and leases to deposits | 86.1258% | 2,243 |
| Net loans and leases to core deposits | 87.5916% | 2,802 |
| Total domestic deposits to total assets | 87.1247% | 1,838 |
| Equity capital to assets | 9.5263% | 4,635 |
| Core capital (leverage) ratio | 7.6617% | 5,796 |
| Tier 1 risk-based capital ratio | 10.1280% | 5,749 |
| Total risk-based capital ratio | 11.0708% | 5,808 |
| Memoranda: | ||
| Average total assets | $513,157,000 | 1,341 |
| Average earning assets | $463,174,750 | 1,377 |
| Average equity | $46,903,500 | 1,620 |
| Average total loans | $388,244,250 | 1,225 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3935% | 1,848 |
| Cost of funding earning assets | 0.4383% | 2,667 |
| Net interest margin | 3.9552% | 1,790 |
| Noninterest income to average assets | 0.4951% | 3,231 |
| Noninterest expense to average assets | 3.2629% | 1,663 |
| Loan and lease loss provision to assets | 0.1003% | 2,162 |
| Net operating income to assets | 0.5582% | 4,450 |
| Return on assets (ROA) | 0.6626% | 4,129 |
| Pretax return on assets | 0.8294% | 4,193 |
| Return on Equity (ROE) | 7.3571% | 3,341 |
| Retained earnings to average equity (ytd only) | 5.4272% | 2,467 |
| Net charge-offs to loans | 0.5257% | 400 |
| Credit loss provision to net charge-offs | 25.2226% | 2,895 |
| Earnings coverage of net charge-offs (x) | 2.0099% | 3,341 |
| Efficiency ratio | 78.8556% | 1,664 |
| Assets per employee ($millions) | 3.9341% | 4,032 |
| Cash dividends to net income (ytd only)* | 26.2315% | 2,983 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9049% | 4,945 |
| Loan loss allowance to noncurrent loans | 187.6755% | 2,414 |
| Noncurrent assets plus other real estate owned to assets | 0.5245% | 3,459 |
| Noncurrent loans to loans | 0.4822% | 3,642 |
| Net loans and leases to total assets | 74.9670% | 1,655 |
| Net loans and leases to deposits | 85.6220% | 2,295 |
| Net loans and leases to core deposits | 87.0096% | 2,816 |
| Total domestic deposits to total assets | 87.5558% | 1,646 |
| Equity capital to assets | 9.4492% | 4,818 |
| Core capital (leverage) ratio | 7.4978% | 5,883 |
| Tier 1 risk-based capital ratio | 10.0422% | 5,844 |
| Total risk-based capital ratio | 10.9816% | 5,880 |
| Memoranda: | ||
| Average total assets | $508,573,000 | 1,360 |
| Average earning assets | $458,633,670 | 1,391 |
| Average equity | $45,806,330 | 1,659 |
| Average total loans | $384,654,670 | 1,236 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5407% | 1,395 |
| Cost of funding earning assets | 0.4633% | 2,432 |
| Net interest margin | 4.0773% | 1,404 |
| Noninterest income to average assets | 0.4959% | 3,147 |
| Noninterest expense to average assets | 3.3024% | 1,597 |
| Loan and lease loss provision to assets | 0.0793% | 2,374 |
| Net operating income to assets | 0.6406% | 4,019 |
| Return on assets (ROA) | 0.6393% | 4,144 |
| Pretax return on assets | 0.7787% | 4,273 |
| Return on Equity (ROE) | 7.2872% | 3,296 |
| Retained earnings to average equity (ytd only) | 7.2872% | 1,756 |
| Net charge-offs to loans | 0.7914% | 260 |
| Credit loss provision to net charge-offs | 13.2530% | 2,343 |
| Earnings coverage of net charge-offs (x) | 1.4364% | 2,820 |
| Efficiency ratio | 77.8826% | 1,911 |
| Assets per employee ($millions) | 4.3968% | 3,254 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9245% | 4,973 |
| Loan loss allowance to noncurrent loans | 173.0447% | 2,494 |
| Noncurrent assets plus other real estate owned to assets | 0.5900% | 3,292 |
| Noncurrent loans to loans | 0.5342% | 3,587 |
| Net loans and leases to total assets | 73.6597% | 1,785 |
| Net loans and leases to deposits | 87.4390% | 1,893 |
| Net loans and leases to core deposits | 89.4254% | 2,424 |
| Total domestic deposits to total assets | 84.2412% | 3,429 |
| Equity capital to assets | 9.0986% | 5,084 |
| Core capital (leverage) ratio | 7.4220% | 5,941 |
| Tier 1 risk-based capital ratio | 10.1819% | 5,869 |
| Total risk-based capital ratio | 11.1482% | 5,902 |
| Memoranda: | ||
| Average total assets | $499,275,500 | 1,386 |
| Average earning assets | $448,920,000 | 1,425 |
| Average equity | $43,803,000 | 1,705 |
| Average total loans | $377,576,500 | 1,251 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2398% | 2,419 |
| Cost of funding earning assets | 0.4548% | 2,580 |
| Net interest margin | 3.7850% | 2,425 |
| Noninterest income to average assets | 0.4725% | 3,515 |
| Noninterest expense to average assets | 3.9795% | 692 |
| Loan and lease loss provision to assets | 0.3289% | 487 |
| Net operating income to assets | -0.1540% | 5,950 |
| Return on assets (ROA) | -0.1564% | 5,966 |
| Pretax return on assets | -0.4073% | 6,019 |
| Return on Equity (ROE) | -1.7874% | 5,975 |
| Retained earnings to average equity (ytd only) | -3.6897% | 5,857 |
| Net charge-offs to loans | 0.2567% | 1,177 |
| Credit loss provision to net charge-offs | 163.7375% | 1,639 |
| Earnings coverage of net charge-offs (x) | -0.3715% | 4,296 |
| Efficiency ratio | 100.4291% | 274 |
| Assets per employee ($millions) | 4.2780% | 3,435 |
| Cash dividends to net income (ytd only)* | -106.4286% | 6,172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2363% | 3,270 |
| Loan loss allowance to noncurrent loans | 156.0601% | 2,723 |
| Noncurrent assets plus other real estate owned to assets | 0.7836% | 2,719 |
| Noncurrent loans to loans | 0.7922% | 2,812 |
| Net loans and leases to total assets | 76.1811% | 1,384 |
| Net loans and leases to deposits | 93.2417% | 1,283 |
| Net loans and leases to core deposits | 94.5657% | 1,996 |
| Total domestic deposits to total assets | 81.7028% | 4,263 |
| Equity capital to assets | 8.3890% | 5,639 |
| Core capital (leverage) ratio | 7.5316% | 5,972 |
| Tier 1 risk-based capital ratio | 9.6002% | 6,029 |
| Total risk-based capital ratio | 10.8389% | 6,023 |
| Memoranda: | ||
| Average total assets | $447,597,400 | 1,498 |
| Average earning assets | $405,888,600 | 1,512 |
| Average equity | $39,162,600 | 1,839 |
| Average total loans | $350,210,000 | 1,290 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2065% | 2,558 |
| Cost of funding earning assets | 0.4685% | 2,511 |
| Net interest margin | 3.7381% | 2,619 |
| Noninterest income to average assets | 0.5045% | 3,331 |
| Noninterest expense to average assets | 4.0644% | 619 |
| Loan and lease loss provision to assets | 0.1348% | 1,666 |
| Net operating income to assets | -0.0871% | 5,991 |
| Return on assets (ROA) | -0.0929% | 6,019 |
| Pretax return on assets | -0.3116% | 6,087 |
| Return on Equity (ROE) | -1.0503% | 6,026 |
| Retained earnings to average equity (ytd only) | -3.5744% | 5,968 |
| Net charge-offs to loans | 0.0946% | 2,213 |
| Credit loss provision to net charge-offs | 181.4516% | 1,457 |
| Earnings coverage of net charge-offs (x) | -2.2581% | 4,083 |
| Efficiency ratio | 102.7985% | 237 |
| Assets per employee ($millions) | 4.4739% | 3,054 |
| Cash dividends to net income (ytd only)* | -240.3247% | 6,265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1337% | 4,037 |
| Loan loss allowance to noncurrent loans | 83.8371% | 4,080 |
| Noncurrent assets plus other real estate owned to assets | 1.2882% | 1,819 |
| Noncurrent loans to loans | 1.3522% | 1,892 |
| Net loans and leases to total assets | 77.0838% | 1,239 |
| Net loans and leases to deposits | 91.9638% | 1,410 |
| Net loans and leases to core deposits | 94.0045% | 2,077 |
| Total domestic deposits to total assets | 83.8197% | 3,500 |
| Equity capital to assets | 8.6216% | 5,628 |
| Core capital (leverage) ratio | 7.7960% | 5,981 |
| Tier 1 risk-based capital ratio | 9.6884% | 6,103 |
| Total risk-based capital ratio | 10.8083% | 6,110 |
| Memoranda: | ||
| Average total assets | $445,061,500 | 1,520 |
| Average earning assets | $403,868,250 | 1,530 |
| Average equity | $39,353,250 | 1,838 |
| Average total loans | $349,493,250 | 1,295 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2095% | 2,515 |
| Cost of funding earning assets | 0.4861% | 2,381 |
| Net interest margin | 3.7233% | 2,610 |
| Noninterest income to average assets | 0.5014% | 3,367 |
| Noninterest expense to average assets | 4.4793% | 431 |
| Loan and lease loss provision to assets | 0.2033% | 960 |
| Net operating income to assets | -0.4150% | 6,165 |
| Return on assets (ROA) | -0.4268% | 6,182 |
| Pretax return on assets | -0.8234% | 6,236 |
| Return on Equity (ROE) | -4.7866% | 6,189 |
| Retained earnings to average equity (ytd only) | -8.5602% | 6,147 |
| Net charge-offs to loans | 0.0557% | 2,615 |
| Credit loss provision to net charge-offs | 463.9175% | 662 |
| Earnings coverage of net charge-offs (x) | -13.7320% | 3,852 |
| Efficiency ratio | 113.9895% | 141 |
| Assets per employee ($millions) | 4.1888% | 3,489 |
| Cash dividends to net income (ytd only)* | -78.8360% | 6,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1747% | 3,942 |
| Loan loss allowance to noncurrent loans | 88.3230% | 3,998 |
| Noncurrent assets plus other real estate owned to assets | 1.1245% | 2,261 |
| Noncurrent loans to loans | 1.3300% | 2,021 |
| Net loans and leases to total assets | 77.8062% | 1,094 |
| Net loans and leases to deposits | 91.3270% | 1,445 |
| Net loans and leases to core deposits | 92.8623% | 2,078 |
| Total domestic deposits to total assets | 85.1951% | 3,039 |
| Equity capital to assets | 8.5179% | 5,669 |
| Core capital (leverage) ratio | 7.7170% | 6,036 |
| Tier 1 risk-based capital ratio | 9.5975% | 6,185 |
| Total risk-based capital ratio | 10.7688% | 6,179 |
| Memoranda: | ||
| Average total assets | $442,794,000 | 1,535 |
| Average earning assets | $401,522,330 | 1,547 |
| Average equity | $39,485,000 | 1,846 |
| Average total loans | $348,555,000 | 1,303 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2439% | 2,300 |
| Cost of funding earning assets | 0.4936% | 2,345 |
| Net interest margin | 3.7504% | 2,432 |
| Noninterest income to average assets | 0.4999% | 3,288 |
| Noninterest expense to average assets | 3.5065% | 1,294 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.3525% | 5,244 |
| Return on assets (ROA) | 0.3508% | 5,363 |
| Pretax return on assets | 0.3826% | 5,462 |
| Return on Equity (ROE) | 3.8466% | 5,040 |
| Retained earnings to average equity (ytd only) | 0.1395% | 5,326 |
| Net charge-offs to loans | 0.0658% | 2,079 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 7.4211% | 2,171 |
| Efficiency ratio | 88.6008% | 968 |
| Assets per employee ($millions) | 4.2705% | 3,430 |
| Cash dividends to net income (ytd only)* | 96.3731% | 731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0675% | 4,672 |
| Loan loss allowance to noncurrent loans | 153.5142% | 2,748 |
| Noncurrent assets plus other real estate owned to assets | 0.8002% | 3,109 |
| Noncurrent loans to loans | 0.6954% | 3,536 |
| Net loans and leases to total assets | 77.9395% | 937 |
| Net loans and leases to deposits | 92.8215% | 1,104 |
| Net loans and leases to core deposits | 94.6484% | 1,719 |
| Total domestic deposits to total assets | 83.9670% | 3,832 |
| Equity capital to assets | 9.0490% | 5,236 |
| Core capital (leverage) ratio | 8.1720% | 5,832 |
| Tier 1 risk-based capital ratio | 10.3362% | 6,066 |
| Total risk-based capital ratio | 11.4197% | 6,060 |
| Memoranda: | ||
| Average total assets | $440,092,500 | 1,550 |
| Average earning assets | $397,932,500 | 1,567 |
| Average equity | $40,139,000 | 1,824 |
| Average total loans | $346,397,500 | 1,307 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5135% | 1,816 |
| Cost of funding earning assets | 0.5136% | 2,540 |
| Net interest margin | 3.9999% | 1,897 |
| Noninterest income to average assets | 0.5318% | 3,290 |
| Noninterest expense to average assets | 3.3187% | 1,881 |
| Loan and lease loss provision to assets | 0.1208% | 2,161 |
| Net operating income to assets | 0.5630% | 4,541 |
| Return on assets (ROA) | 0.6483% | 4,255 |
| Pretax return on assets | 0.8152% | 4,205 |
| Return on Equity (ROE) | 7.1324% | 3,557 |
| Retained earnings to average equity (ytd only) | 3.6862% | 3,596 |
| Net charge-offs to loans | 0.1199% | 2,841 |
| Credit loss provision to net charge-offs | 132.4937% | 1,797 |
| Earnings coverage of net charge-offs (x) | 9.0982% | 2,797 |
| Efficiency ratio | 78.4212% | 2,146 |
| Assets per employee ($millions) | 4.0359% | 3,867 |
| Cash dividends to net income (ytd only)* | 48.3174% | 2,373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1058% | 4,508 |
| Loan loss allowance to noncurrent loans | 77.5777% | 4,284 |
| Noncurrent assets plus other real estate owned to assets | 1.3559% | 2,061 |
| Noncurrent loans to loans | 1.4255% | 2,063 |
| Net loans and leases to total assets | 77.8013% | 1,027 |
| Net loans and leases to deposits | 91.0880% | 1,393 |
| Net loans and leases to core deposits | 92.8739% | 2,005 |
| Total domestic deposits to total assets | 85.4133% | 3,119 |
| Equity capital to assets | 9.2779% | 4,971 |
| Core capital (leverage) ratio | 7.9745% | 6,016 |
| Tier 1 risk-based capital ratio | 10.3436% | 6,166 |
| Total risk-based capital ratio | 11.4973% | 6,138 |
| Memoranda: | ||
| Average total assets | $435,473,200 | 1,529 |
| Average earning assets | $393,705,200 | 1,553 |
| Average equity | $39,579,800 | 1,791 |
| Average total loans | $331,128,000 | 1,320 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5994% | 1,561 |
| Cost of funding earning assets | 0.5165% | 2,593 |
| Net interest margin | 4.0829% | 1,632 |
| Noninterest income to average assets | 0.5289% | 3,327 |
| Noninterest expense to average assets | 3.2961% | 1,907 |
| Loan and lease loss provision to assets | 0.0386% | 3,632 |
| Net operating income to assets | 0.6610% | 4,156 |
| Return on assets (ROA) | 0.7028% | 4,025 |
| Pretax return on assets | 0.9389% | 3,829 |
| Return on Equity (ROE) | 7.7732% | 3,333 |
| Retained earnings to average equity (ytd only) | 4.4607% | 3,473 |
| Net charge-offs to loans | 0.1170% | 2,636 |
| Credit loss provision to net charge-offs | 43.7500% | 3,223 |
| Earnings coverage of net charge-offs (x) | 10.4514% | 2,541 |
| Efficiency ratio | 76.5701% | 2,403 |
| Assets per employee ($millions) | 4.1397% | 3,582 |
| Cash dividends to net income (ytd only)* | 42.6145% | 2,225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0576% | 4,953 |
| Loan loss allowance to noncurrent loans | 62.7982% | 4,696 |
| Noncurrent assets plus other real estate owned to assets | 1.5209% | 2,024 |
| Noncurrent loans to loans | 1.6841% | 1,933 |
| Net loans and leases to total assets | 75.3554% | 1,315 |
| Net loans and leases to deposits | 87.3846% | 1,744 |
| Net loans and leases to core deposits | 89.4836% | 2,273 |
| Total domestic deposits to total assets | 86.2342% | 2,737 |
| Equity capital to assets | 9.2501% | 5,087 |
| Core capital (leverage) ratio | 7.8399% | 6,162 |
| Tier 1 risk-based capital ratio | 10.6873% | 6,135 |
| Total risk-based capital ratio | 11.7924% | 6,142 |
| Memoranda: | ||
| Average total assets | $435,372,500 | 1,536 |
| Average earning assets | $393,374,000 | 1,561 |
| Average equity | $39,364,750 | 1,811 |
| Average total loans | $328,182,750 | 1,338 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7027% | 1,275 |
| Cost of funding earning assets | 0.5325% | 2,517 |
| Net interest margin | 4.1702% | 1,316 |
| Noninterest income to average assets | 0.5289% | 3,278 |
| Noninterest expense to average assets | 3.3076% | 1,907 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.7232% | 3,713 |
| Return on assets (ROA) | 0.7392% | 3,720 |
| Pretax return on assets | 1.0041% | 3,460 |
| Return on Equity (ROE) | 8.2387% | 2,964 |
| Retained earnings to average equity (ytd only) | 5.2553% | 2,795 |
| Net charge-offs to loans | 0.1882% | 1,905 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 6.9481% | 2,699 |
| Efficiency ratio | 75.5458% | 2,714 |
| Assets per employee ($millions) | 4.3557% | 3,166 |
| Cash dividends to net income (ytd only)* | 36.2112% | 2,566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0175% | 5,274 |
| Loan loss allowance to noncurrent loans | 72.8872% | 4,404 |
| Noncurrent assets plus other real estate owned to assets | 1.2870% | 2,543 |
| Noncurrent loans to loans | 1.3960% | 2,471 |
| Net loans and leases to total assets | 74.1899% | 1,416 |
| Net loans and leases to deposits | 87.0053% | 1,705 |
| Net loans and leases to core deposits | 89.0659% | 2,205 |
| Total domestic deposits to total assets | 85.2706% | 3,376 |
| Equity capital to assets | 9.0856% | 5,212 |
| Core capital (leverage) ratio | 7.8301% | 6,193 |
| Tier 1 risk-based capital ratio | 10.2176% | 6,332 |
| Total risk-based capital ratio | 11.2504% | 6,356 |
| Memoranda: | ||
| Average total assets | $435,608,670 | 1,536 |
| Average earning assets | $392,883,000 | 1,564 |
| Average equity | $39,084,000 | 1,811 |
| Average total loans | $327,229,000 | 1,333 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5272% | 1,712 |
| Cost of funding earning assets | 0.5613% | 2,328 |
| Net interest margin | 3.9659% | 1,869 |
| Noninterest income to average assets | 0.7604% | 1,911 |
| Noninterest expense to average assets | 3.0730% | 2,610 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.9607% | 2,357 |
| Return on assets (ROA) | 0.9607% | 2,423 |
| Pretax return on assets | 1.2477% | 2,286 |
| Return on Equity (ROE) | 10.7761% | 1,769 |
| Retained earnings to average equity (ytd only) | 8.9439% | 1,264 |
| Net charge-offs to loans | 0.0650% | 2,503 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 25.5094% | 1,149 |
| Efficiency ratio | 69.5856% | 3,896 |
| Assets per employee ($millions) | 4.2558% | 3,427 |
| Cash dividends to net income (ytd only)* | 17.0029% | 2,579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0994% | 5,121 |
| Loan loss allowance to noncurrent loans | 63.7021% | 4,716 |
| Noncurrent assets plus other real estate owned to assets | 1.5822% | 2,228 |
| Noncurrent loans to loans | 1.7258% | 2,243 |
| Net loans and leases to total assets | 74.8133% | 1,148 |
| Net loans and leases to deposits | 86.3789% | 1,548 |
| Net loans and leases to core deposits | 88.2451% | 2,064 |
| Total domestic deposits to total assets | 86.6106% | 3,038 |
| Equity capital to assets | 9.0585% | 5,044 |
| Core capital (leverage) ratio | 7.7134% | 6,264 |
| Tier 1 risk-based capital ratio | 10.1767% | 6,429 |
| Total risk-based capital ratio | 11.3003% | 6,436 |
| Memoranda: | ||
| Average total assets | $433,448,500 | 1,551 |
| Average earning assets | $389,117,500 | 1,587 |
| Average equity | $38,641,000 | 1,822 |
| Average total loans | $325,974,500 | 1,334 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4804% | 2,286 |
| Cost of funding earning assets | 0.7692% | 1,382 |
| Net interest margin | 3.7112% | 3,010 |
| Noninterest income to average assets | 0.5467% | 3,427 |
| Noninterest expense to average assets | 3.3250% | 2,069 |
| Loan and lease loss provision to assets | 0.1888% | 1,955 |
| Net operating income to assets | 0.4323% | 5,027 |
| Return on assets (ROA) | 0.4668% | 5,015 |
| Pretax return on assets | 0.3930% | 5,510 |
| Return on Equity (ROE) | 5.1927% | 4,541 |
| Retained earnings to average equity (ytd only) | 1.1652% | 5,304 |
| Net charge-offs to loans | 0.2764% | 2,319 |
| Credit loss provision to net charge-offs | 89.7616% | 2,763 |
| Earnings coverage of net charge-offs (x) | 2.6017% | 4,134 |
| Efficiency ratio | 84.8369% | 1,536 |
| Assets per employee ($millions) | 4.3718% | 3,132 |
| Cash dividends to net income (ytd only)* | 77.5601% | 1,008 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1320% | 4,986 |
| Loan loss allowance to noncurrent loans | 45.0000% | 5,458 |
| Noncurrent assets plus other real estate owned to assets | 2.1411% | 1,667 |
| Noncurrent loans to loans | 2.5156% | 1,496 |
| Net loans and leases to total assets | 73.9172% | 1,362 |
| Net loans and leases to deposits | 82.9780% | 2,060 |
| Net loans and leases to core deposits | 85.4692% | 2,513 |
| Total domestic deposits to total assets | 89.0806% | 1,570 |
| Equity capital to assets | 8.7707% | 5,288 |
| Core capital (leverage) ratio | 8.2184% | 5,956 |
| Tier 1 risk-based capital ratio | 10.3161% | 6,427 |
| Total risk-based capital ratio | 11.5050% | 6,401 |
| Memoranda: | ||
| Average total assets | $338,917,800 | 1,898 |
| Average earning assets | $303,702,600 | 1,951 |
| Average equity | $30,465,600 | 2,227 |
| Average total loans | $257,936,800 | 1,612 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5520% | 2,034 |
| Cost of funding earning assets | 0.8489% | 1,052 |
| Net interest margin | 3.7031% | 3,020 |
| Noninterest income to average assets | 0.5719% | 3,319 |
| Noninterest expense to average assets | 3.0259% | 2,899 |
| Loan and lease loss provision to assets | 0.0199% | 4,609 |
| Net operating income to assets | 0.6427% | 4,167 |
| Return on assets (ROA) | 0.6809% | 4,096 |
| Pretax return on assets | 0.8990% | 3,890 |
| Return on Equity (ROE) | 7.5124% | 3,371 |
| Retained earnings to average equity (ytd only) | 4.1269% | 3,743 |
| Net charge-offs to loans | 0.1253% | 3,276 |
| Credit loss provision to net charge-offs | 20.7048% | 4,067 |
| Earnings coverage of net charge-offs (x) | 9.0528% | 2,534 |
| Efficiency ratio | 76.8613% | 2,586 |
| Assets per employee ($millions) | 4.5886% | 2,736 |
| Cash dividends to net income (ytd only)* | 45.0653% | 2,082 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4401% | 3,736 |
| Loan loss allowance to noncurrent loans | 96.2121% | 3,567 |
| Noncurrent assets plus other real estate owned to assets | 1.6471% | 2,497 |
| Noncurrent loans to loans | 1.4968% | 2,919 |
| Net loans and leases to total assets | 76.8672% | 888 |
| Net loans and leases to deposits | 86.7038% | 1,525 |
| Net loans and leases to core deposits | 90.3524% | 1,935 |
| Total domestic deposits to total assets | 88.6550% | 1,746 |
| Equity capital to assets | 9.0068% | 5,178 |
| Core capital (leverage) ratio | 8.3189% | 5,953 |
| Tier 1 risk-based capital ratio | 10.7838% | 6,366 |
| Total risk-based capital ratio | 12.0365% | 6,335 |
| Memoranda: | ||
| Average total assets | $315,445,500 | 2,051 |
| Average earning assets | $283,032,500 | 2,101 |
| Average equity | $28,592,000 | 2,362 |
| Average total loans | $241,525,500 | 1,714 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5156% | 2,139 |
| Cost of funding earning assets | 0.8976% | 910 |
| Net interest margin | 3.6180% | 3,292 |
| Noninterest income to average assets | 0.6215% | 3,066 |
| Noninterest expense to average assets | 3.0268% | 2,916 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.6402% | 4,107 |
| Return on assets (ROA) | 0.6977% | 3,992 |
| Pretax return on assets | 0.9224% | 3,822 |
| Return on Equity (ROE) | 7.6807% | 3,244 |
| Retained earnings to average equity (ytd only) | 4.2981% | 3,551 |
| Net charge-offs to loans | -0.0309% | 6,109 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2861% | 2,577 |
| Assets per employee ($millions) | 4.3716% | 3,050 |
| Cash dividends to net income (ytd only)* | 44.0400% | 2,101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5654% | 3,296 |
| Loan loss allowance to noncurrent loans | 87.1564% | 3,801 |
| Noncurrent assets plus other real estate owned to assets | 1.9501% | 2,221 |
| Noncurrent loans to loans | 1.7961% | 2,646 |
| Net loans and leases to total assets | 75.3766% | 1,058 |
| Net loans and leases to deposits | 85.1231% | 1,668 |
| Net loans and leases to core deposits | 88.6515% | 2,042 |
| Total domestic deposits to total assets | 88.5501% | 1,889 |
| Equity capital to assets | 9.0846% | 5,127 |
| Core capital (leverage) ratio | 8.2998% | 5,889 |
| Tier 1 risk-based capital ratio | 10.8350% | 6,401 |
| Total risk-based capital ratio | 12.0890% | 6,371 |
| Memoranda: | ||
| Average total assets | $315,055,330 | 2,057 |
| Average earning assets | $283,198,000 | 2,106 |
| Average equity | $28,617,000 | 2,376 |
| Average total loans | $239,724,000 | 1,726 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5242% | 2,087 |
| Cost of funding earning assets | 0.9591% | 751 |
| Net interest margin | 3.5651% | 3,408 |
| Noninterest income to average assets | 0.5114% | 3,702 |
| Noninterest expense to average assets | 3.0228% | 2,911 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.5322% | 4,528 |
| Return on assets (ROA) | 0.6485% | 4,130 |
| Pretax return on assets | 0.8426% | 3,987 |
| Return on Equity (ROE) | 7.1397% | 3,415 |
| Retained earnings to average equity (ytd only) | 3.7585% | 3,982 |
| Net charge-offs to loans | -0.0151% | 5,590 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.4920% | 2,253 |
| Assets per employee ($millions) | 4.4471% | 3,067 |
| Cash dividends to net income (ytd only)* | 47.3581% | 1,655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5639% | 3,557 |
| Loan loss allowance to noncurrent loans | 95.6822% | 3,479 |
| Noncurrent assets plus other real estate owned to assets | 1.8494% | 2,546 |
| Noncurrent loans to loans | 1.6344% | 3,089 |
| Net loans and leases to total assets | 75.7246% | 874 |
| Net loans and leases to deposits | 86.4250% | 1,301 |
| Net loans and leases to core deposits | 90.0835% | 1,686 |
| Total domestic deposits to total assets | 87.6188% | 2,556 |
| Equity capital to assets | 9.2003% | 5,253 |
| Core capital (leverage) ratio | 8.2201% | 5,916 |
| Tier 1 risk-based capital ratio | 11.0064% | 6,402 |
| Total risk-based capital ratio | 12.2607% | 6,376 |
| Memoranda: | ||
| Average total assets | $315,206,500 | 2,079 |
| Average earning assets | $283,188,000 | 2,131 |
| Average equity | $28,628,500 | 2,409 |
| Average total loans | $239,074,500 | 1,732 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7974% | 2,210 |
| Cost of funding earning assets | 1.1407% | 765 |
| Net interest margin | 3.6567% | 3,844 |
| Noninterest income to average assets | 0.5280% | 3,724 |
| Noninterest expense to average assets | 3.0297% | 3,165 |
| Loan and lease loss provision to assets | 0.3810% | 1,718 |
| Net operating income to assets | 0.3651% | 5,237 |
| Return on assets (ROA) | 0.5838% | 4,572 |
| Pretax return on assets | 0.6901% | 4,699 |
| Return on Equity (ROE) | 6.2178% | 4,060 |
| Retained earnings to average equity (ytd only) | 2.5875% | 4,406 |
| Net charge-offs to loans | 0.3788% | 2,736 |
| Credit loss provision to net charge-offs | 137.8476% | 2,000 |
| Earnings coverage of net charge-offs (x) | 2.9444% | 3,956 |
| Efficiency ratio | 78.6366% | 2,335 |
| Assets per employee ($millions) | 4.4946% | 2,975 |
| Cash dividends to net income (ytd only)* | 58.3858% | 1,888 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5653% | 3,454 |
| Loan loss allowance to noncurrent loans | 91.2555% | 3,567 |
| Noncurrent assets plus other real estate owned to assets | 1.8811% | 2,597 |
| Noncurrent loans to loans | 1.7153% | 3,038 |
| Net loans and leases to total assets | 73.6221% | 1,245 |
| Net loans and leases to deposits | 87.1806% | 1,366 |
| Net loans and leases to core deposits | 91.9797% | 1,640 |
| Total domestic deposits to total assets | 84.4478% | 4,102 |
| Equity capital to assets | 8.9675% | 5,554 |
| Core capital (leverage) ratio | 8.1135% | 6,078 |
| Tier 1 risk-based capital ratio | 10.8571% | 6,403 |
| Total risk-based capital ratio | 12.1116% | 6,372 |
| Memoranda: | ||
| Average total assets | $299,241,400 | 2,144 |
| Average earning assets | $271,313,600 | 2,149 |
| Average equity | $28,096,800 | 2,386 |
| Average total loans | $218,346,400 | 1,852 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8196% | 2,318 |
| Cost of funding earning assets | 1.1944% | 712 |
| Net interest margin | 3.6252% | 4,127 |
| Noninterest income to average assets | 0.4563% | 4,237 |
| Noninterest expense to average assets | 2.9759% | 3,319 |
| Loan and lease loss provision to assets | 0.2311% | 2,734 |
| Net operating income to assets | 0.4295% | 5,120 |
| Return on assets (ROA) | 0.7086% | 4,119 |
| Pretax return on assets | 0.8903% | 4,150 |
| Return on Equity (ROE) | 7.4563% | 3,557 |
| Retained earnings to average equity (ytd only) | 4.0857% | 4,020 |
| Net charge-offs to loans | 0.3839% | 2,558 |
| Credit loss provision to net charge-offs | 83.0619% | 3,530 |
| Earnings coverage of net charge-offs (x) | 2.7769% | 3,929 |
| Efficiency ratio | 79.1974% | 2,206 |
| Assets per employee ($millions) | 4.5427% | 2,837 |
| Cash dividends to net income (ytd only)* | 45.2045% | 1,925 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4172% | 4,299 |
| Loan loss allowance to noncurrent loans | 65.2447% | 4,417 |
| Noncurrent assets plus other real estate owned to assets | 2.3716% | 2,241 |
| Noncurrent loans to loans | 2.1721% | 2,653 |
| Net loans and leases to total assets | 74.7431% | 1,139 |
| Net loans and leases to deposits | 88.9024% | 1,259 |
| Net loans and leases to core deposits | 93.5582% | 1,620 |
| Total domestic deposits to total assets | 84.0733% | 4,179 |
| Equity capital to assets | 9.1650% | 5,636 |
| Core capital (leverage) ratio | 8.5725% | 5,665 |
| Tier 1 risk-based capital ratio | 11.3087% | 6,352 |
| Total risk-based capital ratio | 12.5614% | 6,313 |
| Memoranda: | ||
| Average total assets | $294,272,000 | 2,198 |
| Average earning assets | $267,233,500 | 2,208 |
| Average equity | $27,966,750 | 2,413 |
| Average total loans | $213,263,500 | 1,927 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8762% | 2,209 |
| Cost of funding earning assets | 1.2257% | 732 |
| Net interest margin | 3.6504% | 4,035 |
| Noninterest income to average assets | 0.3898% | 4,729 |
| Noninterest expense to average assets | 2.9607% | 3,407 |
| Loan and lease loss provision to assets | 0.0587% | 4,916 |
| Net operating income to assets | 0.5161% | 4,740 |
| Return on assets (ROA) | 0.9205% | 3,077 |
| Pretax return on assets | 1.2080% | 2,884 |
| Return on Equity (ROE) | 9.5648% | 2,546 |
| Retained earnings to average equity (ytd only) | 6.1755% | 2,586 |
| Net charge-offs to loans | 0.5895% | 1,841 |
| Credit loss provision to net charge-offs | 13.9803% | 4,691 |
| Earnings coverage of net charge-offs (x) | 1.7484% | 4,108 |
| Efficiency ratio | 79.9140% | 2,196 |
| Assets per employee ($millions) | 4.2211% | 3,419 |
| Cash dividends to net income (ytd only)* | 35.4354% | 2,378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3697% | 4,570 |
| Loan loss allowance to noncurrent loans | 58.4795% | 4,715 |
| Noncurrent assets plus other real estate owned to assets | 2.4714% | 2,258 |
| Noncurrent loans to loans | 2.3422% | 2,558 |
| Net loans and leases to total assets | 71.6978% | 1,606 |
| Net loans and leases to deposits | 83.9474% | 1,855 |
| Net loans and leases to core deposits | 87.2493% | 2,287 |
| Total domestic deposits to total assets | 85.4081% | 3,658 |
| Equity capital to assets | 9.6465% | 4,844 |
| Core capital (leverage) ratio | 8.9590% | 4,968 |
| Tier 1 risk-based capital ratio | 12.4556% | 5,600 |
| Total risk-based capital ratio | 13.7077% | 5,578 |
| Memoranda: | ||
| Average total assets | $289,395,330 | 2,238 |
| Average earning assets | $262,050,670 | 2,244 |
| Average equity | $27,852,000 | 2,407 |
| Average total loans | $206,284,000 | 1,972 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9633% | 2,025 |
| Cost of funding earning assets | 1.2608% | 742 |
| Net interest margin | 3.7025% | 3,817 |
| Noninterest income to average assets | 0.4035% | 4,641 |
| Noninterest expense to average assets | 3.0049% | 3,225 |
| Loan and lease loss provision to assets | 0.0693% | 4,544 |
| Net operating income to assets | 0.4935% | 4,856 |
| Return on assets (ROA) | 1.2729% | 1,701 |
| Pretax return on assets | 1.7402% | 1,219 |
| Return on Equity (ROE) | 13.2420% | 1,336 |
| Retained earnings to average equity (ytd only) | 9.8377% | 1,310 |
| Net charge-offs to loans | 0.3812% | 2,162 |
| Credit loss provision to net charge-offs | 25.7732% | 3,696 |
| Earnings coverage of net charge-offs (x) | 2.7577% | 3,078 |
| Efficiency ratio | 80.0148% | 2,201 |
| Assets per employee ($millions) | 4.5232% | 2,950 |
| Cash dividends to net income (ytd only)* | 25.7081% | 2,200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5818% | 3,797 |
| Loan loss allowance to noncurrent loans | 52.6493% | 4,914 |
| Noncurrent assets plus other real estate owned to assets | 2.6340% | 2,243 |
| Noncurrent loans to loans | 3.0044% | 2,148 |
| Net loans and leases to total assets | 70.4759% | 1,675 |
| Net loans and leases to deposits | 82.2088% | 1,912 |
| Net loans and leases to core deposits | 85.5473% | 2,340 |
| Total domestic deposits to total assets | 85.7280% | 3,672 |
| Equity capital to assets | 9.5671% | 4,700 |
| Core capital (leverage) ratio | 8.9923% | 4,852 |
| Tier 1 risk-based capital ratio | 12.6281% | 5,495 |
| Total risk-based capital ratio | 13.8826% | 5,457 |
| Memoranda: | ||
| Average total assets | $288,464,500 | 2,256 |
| Average earning assets | $260,469,500 | 2,275 |
| Average equity | $27,730,000 | 2,407 |
| Average total loans | $203,563,500 | 2,001 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9156% | 3,286 |
| Cost of funding earning assets | 1.4393% | 881 |
| Net interest margin | 3.4764% | 5,233 |
| Noninterest income to average assets | 0.4665% | 4,080 |
| Noninterest expense to average assets | 2.7174% | 4,679 |
| Loan and lease loss provision to assets | 0.3374% | 2,997 |
| Net operating income to assets | 0.4813% | 4,502 |
| Return on assets (ROA) | 0.5653% | 4,353 |
| Pretax return on assets | 0.6598% | 4,473 |
| Return on Equity (ROE) | 6.0262% | 3,862 |
| Retained earnings to average equity (ytd only) | 1.5892% | 5,079 |
| Net charge-offs to loans | 0.2667% | 4,101 |
| Credit loss provision to net charge-offs | 190.7258% | 1,339 |
| Earnings coverage of net charge-offs (x) | 5.0847% | 2,903 |
| Efficiency ratio | 74.8841% | 3,073 |
| Assets per employee ($millions) | 4.4223% | 3,033 |
| Cash dividends to net income (ytd only)* | 73.6278% | 1,009 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7129% | 3,153 |
| Loan loss allowance to noncurrent loans | 59.2010% | 4,556 |
| Noncurrent assets plus other real estate owned to assets | 2.4631% | 2,474 |
| Noncurrent loans to loans | 2.8934% | 2,259 |
| Net loans and leases to total assets | 68.3291% | 2,328 |
| Net loans and leases to deposits | 79.7083% | 2,579 |
| Net loans and leases to core deposits | 81.1675% | 3,304 |
| Total domestic deposits to total assets | 85.7240% | 3,473 |
| Equity capital to assets | 9.6592% | 4,662 |
| Core capital (leverage) ratio | 8.7264% | 5,209 |
| Tier 1 risk-based capital ratio | 13.1101% | 4,984 |
| Total risk-based capital ratio | 14.3667% | 4,954 |
| Memoranda: | ||
| Average total assets | $280,382,600 | 2,265 |
| Average earning assets | $254,087,600 | 2,276 |
| Average equity | $26,301,800 | 2,455 |
| Average total loans | $185,969,200 | 2,169 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9228% | 3,459 |
| Cost of funding earning assets | 1.4563% | 1,003 |
| Net interest margin | 3.4665% | 5,324 |
| Noninterest income to average assets | 0.4494% | 4,298 |
| Noninterest expense to average assets | 2.6277% | 4,983 |
| Loan and lease loss provision to assets | 0.2464% | 3,541 |
| Net operating income to assets | 0.5862% | 4,149 |
| Return on assets (ROA) | 0.6925% | 3,830 |
| Pretax return on assets | 0.8504% | 3,951 |
| Return on Equity (ROE) | 7.4387% | 3,305 |
| Retained earnings to average equity (ytd only) | 3.8401% | 3,994 |
| Net charge-offs to loans | 0.3689% | 3,247 |
| Credit loss provision to net charge-offs | 101.9802% | 3,279 |
| Earnings coverage of net charge-offs (x) | 3.9960% | 3,222 |
| Efficiency ratio | 72.8726% | 3,386 |
| Assets per employee ($millions) | 4.4406% | 3,017 |
| Cash dividends to net income (ytd only)* | 48.3758% | 1,665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5625% | 3,839 |
| Loan loss allowance to noncurrent loans | 73.2384% | 3,841 |
| Noncurrent assets plus other real estate owned to assets | 1.4915% | 3,876 |
| Noncurrent loans to loans | 2.1334% | 3,201 |
| Net loans and leases to total assets | 65.1086% | 3,084 |
| Net loans and leases to deposits | 76.0496% | 3,323 |
| Net loans and leases to core deposits | 77.3569% | 3,992 |
| Total domestic deposits to total assets | 85.6133% | 3,434 |
| Equity capital to assets | 9.6916% | 4,789 |
| Core capital (leverage) ratio | 9.0669% | 4,827 |
| Tier 1 risk-based capital ratio | 14.0589% | 4,314 |
| Total risk-based capital ratio | 15.3139% | 4,281 |
| Memoranda: | ||
| Average total assets | $278,616,500 | 2,284 |
| Average earning assets | $252,695,500 | 2,295 |
| Average equity | $25,936,000 | 2,491 |
| Average total loans | $182,503,250 | 2,229 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9849% | 3,231 |
| Cost of funding earning assets | 1.4896% | 1,037 |
| Net interest margin | 3.4953% | 5,182 |
| Noninterest income to average assets | 0.3713% | 4,895 |
| Noninterest expense to average assets | 2.6265% | 5,086 |
| Loan and lease loss provision to assets | 0.2056% | 3,866 |
| Net operating income to assets | 0.5482% | 4,315 |
| Return on assets (ROA) | 0.6837% | 3,750 |
| Pretax return on assets | 0.8697% | 3,758 |
| Return on Equity (ROE) | 7.4515% | 3,216 |
| Retained earnings to average equity (ytd only) | 3.7614% | 3,822 |
| Net charge-offs to loans | 0.0067% | 5,776 |
| Credit loss provision to net charge-offs | 4,716.6667% | 72 |
| Earnings coverage of net charge-offs (x) | 207.3333% | 177 |
| Efficiency ratio | 74.1511% | 3,341 |
| Assets per employee ($millions) | 4.5878% | 2,708 |
| Cash dividends to net income (ytd only)* | 49.5218% | 1,710 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7940% | 3,017 |
| Loan loss allowance to noncurrent loans | 62.0347% | 4,349 |
| Noncurrent assets plus other real estate owned to assets | 1.9868% | 3,251 |
| Noncurrent loans to loans | 2.8920% | 2,525 |
| Net loans and leases to total assets | 64.6303% | 3,334 |
| Net loans and leases to deposits | 75.2653% | 3,604 |
| Net loans and leases to core deposits | 76.7005% | 4,229 |
| Total domestic deposits to total assets | 85.8701% | 3,396 |
| Equity capital to assets | 9.3793% | 5,016 |
| Core capital (leverage) ratio | 8.6126% | 5,378 |
| Tier 1 risk-based capital ratio | 13.4652% | 4,557 |
| Total risk-based capital ratio | 14.7226% | 4,528 |
| Memoranda: | ||
| Average total assets | $275,275,000 | 2,326 |
| Average earning assets | $248,791,000 | 2,340 |
| Average equity | $25,256,670 | 2,532 |
| Average total loans | $179,700,000 | 2,287 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9990% | 3,108 |
| Cost of funding earning assets | 1.4899% | 1,206 |
| Net interest margin | 3.5091% | 4,970 |
| Noninterest income to average assets | 0.3793% | 4,881 |
| Noninterest expense to average assets | 2.6809% | 4,909 |
| Loan and lease loss provision to assets | 0.1686% | 3,940 |
| Net operating income to assets | 0.5337% | 4,336 |
| Return on assets (ROA) | 0.7977% | 3,116 |
| Pretax return on assets | 1.0419% | 2,982 |
| Return on Equity (ROE) | 8.7924% | 2,563 |
| Retained earnings to average equity (ytd only) | 5.0288% | 3,175 |
| Net charge-offs to loans | 0.0134% | 4,893 |
| Credit loss provision to net charge-offs | 1,933.3333% | 207 |
| Earnings coverage of net charge-offs (x) | 99.5000% | 319 |
| Efficiency ratio | 75.3071% | 3,278 |
| Assets per employee ($millions) | 4.5879% | 2,754 |
| Cash dividends to net income (ytd only)* | 42.8051% | 1,677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7167% | 3,283 |
| Loan loss allowance to noncurrent loans | 71.1681% | 3,868 |
| Noncurrent assets plus other real estate owned to assets | 1.6816% | 3,731 |
| Noncurrent loans to loans | 2.4122% | 3,076 |
| Net loans and leases to total assets | 64.1189% | 3,420 |
| Net loans and leases to deposits | 74.4926% | 3,684 |
| Net loans and leases to core deposits | 76.2352% | 4,274 |
| Total domestic deposits to total assets | 86.0742% | 3,484 |
| Equity capital to assets | 9.1328% | 4,981 |
| Core capital (leverage) ratio | 8.4770% | 5,500 |
| Tier 1 risk-based capital ratio | 13.7313% | 4,252 |
| Total risk-based capital ratio | 14.9886% | 4,220 |
| Memoranda: | ||
| Average total assets | $275,279,000 | 2,347 |
| Average earning assets | $248,610,000 | 2,360 |
| Average equity | $24,976,000 | 2,546 |
| Average total loans | $178,972,000 | 2,321 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2980% | 3,140 |
| Cost of funding earning assets | 1.7188% | 1,513 |
| Net interest margin | 3.5792% | 4,916 |
| Noninterest income to average assets | 0.4994% | 4,176 |
| Noninterest expense to average assets | 2.5804% | 5,502 |
| Loan and lease loss provision to assets | 0.5723% | 2,840 |
| Net operating income to assets | 0.4872% | 4,161 |
| Return on assets (ROA) | 0.4891% | 4,308 |
| Pretax return on assets | 0.5761% | 4,398 |
| Return on Equity (ROE) | 5.1140% | 4,022 |
| Retained earnings to average equity (ytd only) | 1.4821% | 4,788 |
| Net charge-offs to loans | 0.6163% | 3,186 |
| Credit loss provision to net charge-offs | 137.7859% | 2,769 |
| Earnings coverage of net charge-offs (x) | 2.7594% | 3,696 |
| Efficiency ratio | 68.9578% | 4,381 |
| Assets per employee ($millions) | 4.6658% | 2,600 |
| Cash dividends to net income (ytd only)* | 71.0179% | 1,173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6669% | 3,338 |
| Loan loss allowance to noncurrent loans | 68.9951% | 3,960 |
| Noncurrent assets plus other real estate owned to assets | 1.6488% | 3,824 |
| Noncurrent loans to loans | 2.4159% | 3,100 |
| Net loans and leases to total assets | 63.7107% | 3,935 |
| Net loans and leases to deposits | 73.9177% | 4,204 |
| Net loans and leases to core deposits | 77.3965% | 4,536 |
| Total domestic deposits to total assets | 86.1914% | 3,252 |
| Equity capital to assets | 9.0132% | 5,124 |
| Core capital (leverage) ratio | 8.3948% | 5,542 |
| Tier 1 risk-based capital ratio | 13.7826% | 4,001 |
| Total risk-based capital ratio | 15.0395% | 3,979 |
| Memoranda: | ||
| Average total assets | $263,136,400 | 2,424 |
| Average earning assets | $237,258,200 | 2,455 |
| Average equity | $25,166,200 | 2,536 |
| Average total loans | $177,340,200 | 2,386 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3596% | 3,079 |
| Cost of funding earning assets | 1.7418% | 1,662 |
| Net interest margin | 3.6179% | 4,799 |
| Noninterest income to average assets | 0.5377% | 3,885 |
| Noninterest expense to average assets | 2.5287% | 5,611 |
| Loan and lease loss provision to assets | 0.4465% | 3,238 |
| Net operating income to assets | 0.6560% | 3,621 |
| Return on assets (ROA) | 0.6577% | 3,776 |
| Pretax return on assets | 0.8238% | 3,823 |
| Return on Equity (ROE) | 6.7735% | 3,442 |
| Retained earnings to average equity (ytd only) | 3.1624% | 4,215 |
| Net charge-offs to loans | 0.4118% | 3,648 |
| Credit loss provision to net charge-offs | 159.2322% | 2,384 |
| Earnings coverage of net charge-offs (x) | 4.5228% | 3,019 |
| Efficiency ratio | 66.3156% | 4,796 |
| Assets per employee ($millions) | 4.6099% | 2,732 |
| Cash dividends to net income (ytd only)* | 53.3128% | 1,507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6097% | 3,488 |
| Loan loss allowance to noncurrent loans | 58.9654% | 4,387 |
| Noncurrent assets plus other real estate owned to assets | 1.8755% | 3,641 |
| Noncurrent loans to loans | 2.7299% | 2,913 |
| Net loans and leases to total assets | 64.8129% | 3,946 |
| Net loans and leases to deposits | 75.6252% | 4,243 |
| Net loans and leases to core deposits | 78.7991% | 4,701 |
| Total domestic deposits to total assets | 85.7028% | 3,238 |
| Equity capital to assets | 9.4668% | 4,894 |
| Core capital (leverage) ratio | 8.8167% | 4,975 |
| Tier 1 risk-based capital ratio | 13.9936% | 3,839 |
| Total risk-based capital ratio | 15.2500% | 3,808 |
| Memoranda: | ||
| Average total assets | $260,099,250 | 2,487 |
| Average earning assets | $234,313,000 | 2,523 |
| Average equity | $25,254,750 | 2,567 |
| Average total loans | $177,085,500 | 2,419 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3531% | 3,202 |
| Cost of funding earning assets | 1.7624% | 1,802 |
| Net interest margin | 3.5907% | 4,860 |
| Noninterest income to average assets | 0.4935% | 4,171 |
| Noninterest expense to average assets | 2.5689% | 5,458 |
| Loan and lease loss provision to assets | 0.2257% | 4,650 |
| Net operating income to assets | 0.7315% | 3,267 |
| Return on assets (ROA) | 0.7340% | 3,411 |
| Pretax return on assets | 0.9362% | 3,355 |
| Return on Equity (ROE) | 7.4929% | 3,117 |
| Retained earnings to average equity (ytd only) | 4.0015% | 3,533 |
| Net charge-offs to loans | 0.6145% | 2,691 |
| Credit loss provision to net charge-offs | 53.3210% | 5,347 |
| Earnings coverage of net charge-offs (x) | 2.7380% | 3,622 |
| Efficiency ratio | 68.6217% | 4,455 |
| Assets per employee ($millions) | 4.4839% | 2,907 |
| Cash dividends to net income (ytd only)* | 46.5957% | 1,821 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2795% | 5,037 |
| Loan loss allowance to noncurrent loans | 62.8268% | 4,188 |
| Noncurrent assets plus other real estate owned to assets | 1.5446% | 4,143 |
| Noncurrent loans to loans | 2.0365% | 3,672 |
| Net loans and leases to total assets | 68.4438% | 3,261 |
| Net loans and leases to deposits | 80.3912% | 3,537 |
| Net loans and leases to core deposits | 81.2692% | 4,518 |
| Total domestic deposits to total assets | 85.1384% | 3,553 |
| Equity capital to assets | 9.8290% | 4,227 |
| Core capital (leverage) ratio | 9.0412% | 4,543 |
| Tier 1 risk-based capital ratio | 13.8614% | 3,831 |
| Total risk-based capital ratio | 15.1129% | 3,792 |
| Memoranda: | ||
| Average total assets | $256,138,000 | 2,544 |
| Average earning assets | $230,708,000 | 2,577 |
| Average equity | $25,090,330 | 2,578 |
| Average total loans | $176,392,670 | 2,462 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3456% | 3,316 |
| Cost of funding earning assets | 1.8192% | 1,800 |
| Net interest margin | 3.5264% | 5,051 |
| Noninterest income to average assets | 0.5445% | 3,688 |
| Noninterest expense to average assets | 2.5919% | 5,385 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.8608% | 2,701 |
| Return on assets (ROA) | 0.8655% | 2,777 |
| Pretax return on assets | 1.1315% | 2,622 |
| Return on Equity (ROE) | 8.8515% | 2,548 |
| Retained earnings to average equity (ytd only) | 5.3270% | 2,974 |
| Net charge-offs to loans | 1.2245% | 1,392 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 1.3390% | 3,943 |
| Efficiency ratio | 69.4327% | 4,422 |
| Assets per employee ($millions) | 4.5622% | 2,862 |
| Cash dividends to net income (ytd only)* | 39.8182% | 1,764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1516% | 5,766 |
| Loan loss allowance to noncurrent loans | 68.3305% | 3,943 |
| Noncurrent assets plus other real estate owned to assets | 1.2885% | 4,599 |
| Noncurrent loans to loans | 1.6853% | 4,222 |
| Net loans and leases to total assets | 68.0682% | 3,369 |
| Net loans and leases to deposits | 79.9925% | 3,656 |
| Net loans and leases to core deposits | 80.9754% | 4,631 |
| Total domestic deposits to total assets | 85.0933% | 3,622 |
| Equity capital to assets | 9.8163% | 4,088 |
| Core capital (leverage) ratio | 9.0879% | 4,400 |
| Tier 1 risk-based capital ratio | 13.9226% | 3,709 |
| Total risk-based capital ratio | 15.1563% | 3,680 |
| Memoranda: | ||
| Average total assets | $254,174,000 | 2,611 |
| Average earning assets | $228,675,000 | 2,650 |
| Average equity | $24,854,500 | 2,622 |
| Average total loans | $174,436,000 | 2,550 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0437% | 1,694 |
| Cost of funding earning assets | 2.4165% | 1,251 |
| Net interest margin | 3.6272% | 4,448 |
| Noninterest income to average assets | 0.6042% | 3,596 |
| Noninterest expense to average assets | 2.9246% | 4,444 |
| Loan and lease loss provision to assets | 0.5032% | 3,864 |
| Net operating income to assets | 0.3848% | 4,184 |
| Return on assets (ROA) | 0.4978% | 3,839 |
| Pretax return on assets | 0.5662% | 4,000 |
| Return on Equity (ROE) | 5.0399% | 3,652 |
| Retained earnings to average equity (ytd only) | 3.1833% | 2,931 |
| Net charge-offs to loans | 0.1694% | 5,588 |
| Credit loss provision to net charge-offs | 409.0909% | 772 |
| Earnings coverage of net charge-offs (x) | 7.6509% | 2,106 |
| Efficiency ratio | 75.2979% | 3,652 |
| Assets per employee ($millions) | 4.4362% | 3,038 |
| Cash dividends to net income (ytd only)* | 36.8374% | 3,060 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4802% | 3,835 |
| Loan loss allowance to noncurrent loans | 76.6008% | 3,570 |
| Noncurrent assets plus other real estate owned to assets | 1.4450% | 4,247 |
| Noncurrent loans to loans | 1.9324% | 3,752 |
| Net loans and leases to total assets | 67.3811% | 3,840 |
| Net loans and leases to deposits | 79.2712% | 4,123 |
| Net loans and leases to core deposits | 92.1956% | 4,864 |
| Total domestic deposits to total assets | 85.0008% | 3,549 |
| Equity capital to assets | 9.7403% | 4,087 |
| Core capital (leverage) ratio | 8.9803% | 4,455 |
| Tier 1 risk-based capital ratio | 14.2665% | 3,340 |
| Total risk-based capital ratio | 15.5208% | 3,285 |
| Memoranda: | ||
| Average total assets | $223,589,400 | 2,896 |
| Average earning assets | $201,034,400 | 2,954 |
| Average equity | $22,083,800 | 2,939 |
| Average total loans | $162,361,400 | 2,725 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2560% | 1,225 |
| Cost of funding earning assets | 2.5118% | 1,262 |
| Net interest margin | 3.7441% | 3,893 |
| Noninterest income to average assets | 0.5974% | 3,734 |
| Noninterest expense to average assets | 2.9845% | 4,108 |
| Loan and lease loss provision to assets | 0.2928% | 4,631 |
| Net operating income to assets | 0.5499% | 3,795 |
| Return on assets (ROA) | 0.6911% | 3,296 |
| Pretax return on assets | 0.8705% | 3,317 |
| Return on Equity (ROE) | 6.9689% | 3,089 |
| Retained earnings to average equity (ytd only) | 6.9689% | 1,520 |
| Net charge-offs to loans | -0.0008% | 7,578 |
| Credit loss provision to net charge-offs | -47,500.0000% | 7,454 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8214% | 3,721 |
| Assets per employee ($millions) | 3.6942% | 4,439 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2499% | 4,834 |
| Loan loss allowance to noncurrent loans | 57.1503% | 4,546 |
| Noncurrent assets plus other real estate owned to assets | 1.5454% | 4,046 |
| Noncurrent loans to loans | 2.1870% | 3,393 |
| Net loans and leases to total assets | 69.7784% | 3,570 |
| Net loans and leases to deposits | 82.7270% | 3,885 |
| Net loans and leases to core deposits | 99.7015% | 4,406 |
| Total domestic deposits to total assets | 84.3478% | 3,552 |
| Equity capital to assets | 10.1498% | 3,906 |
| Core capital (leverage) ratio | 9.6121% | 3,772 |
| Tier 1 risk-based capital ratio | 14.5487% | 3,249 |
| Total risk-based capital ratio | 15.8005% | 3,199 |
| Memoranda: | ||
| Average total assets | $216,270,250 | 3,006 |
| Average earning assets | $194,752,500 | 3,059 |
| Average equity | $21,447,250 | 3,036 |
| Average total loans | $159,715,750 | 2,794 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6542% | 596 |
| Cost of funding earning assets | 2.6483% | 1,165 |
| Net interest margin | 4.0060% | 2,673 |
| Noninterest income to average assets | 0.6898% | 3,058 |
| Noninterest expense to average assets | 3.2032% | 3,332 |
| Loan and lease loss provision to assets | 0.2672% | 4,448 |
| Net operating income to assets | 0.6406% | 3,504 |
| Return on assets (ROA) | 0.7831% | 3,013 |
| Pretax return on assets | 0.9997% | 3,013 |
| Return on Equity (ROE) | 7.9714% | 2,781 |
| Retained earnings to average equity (ytd only) | 7.9714% | 1,218 |
| Net charge-offs to loans | -0.0013% | 7,470 |
| Credit loss provision to net charge-offs | -27,500.0000% | 7,294 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3485% | 3,982 |
| Assets per employee ($millions) | 3.6289% | 4,500 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1545% | 5,246 |
| Loan loss allowance to noncurrent loans | 106.3169% | 2,750 |
| Noncurrent assets plus other real estate owned to assets | 0.8530% | 5,279 |
| Noncurrent loans to loans | 1.0859% | 5,026 |
| Net loans and leases to total assets | 72.0879% | 3,202 |
| Net loans and leases to deposits | 85.5425% | 3,637 |
| Net loans and leases to core deposits | 103.5226% | 4,119 |
| Total domestic deposits to total assets | 84.2714% | 3,616 |
| Equity capital to assets | 10.2872% | 3,628 |
| Core capital (leverage) ratio | 9.4579% | 3,944 |
| Tier 1 risk-based capital ratio | 14.0272% | 3,507 |
| Total risk-based capital ratio | 15.2669% | 3,452 |
| Memoranda: | ||
| Average total assets | $205,856,330 | 3,154 |
| Average earning assets | $184,874,330 | 3,202 |
| Average equity | $20,222,330 | 3,208 |
| Average total loans | $154,655,670 | 2,908 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3247% | 214 |
| Cost of funding earning assets | 2.8267% | 920 |
| Net interest margin | 4.4979% | 1,127 |
| Noninterest income to average assets | 0.7545% | 2,572 |
| Noninterest expense to average assets | 3.3996% | 2,360 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.0480% | 2,137 |
| Return on assets (ROA) | 1.0480% | 2,270 |
| Pretax return on assets | 1.3770% | 2,035 |
| Return on Equity (ROE) | 10.9884% | 1,964 |
| Retained earnings to average equity (ytd only) | 10.9884% | 971 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8205% | 4,408 |
| Assets per employee ($millions) | 4.1678% | 3,326 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9488% | 6,498 |
| Loan loss allowance to noncurrent loans | 546.3259% | 646 |
| Noncurrent assets plus other real estate owned to assets | 0.1890% | 6,968 |
| Noncurrent loans to loans | 0.1737% | 7,028 |
| Net loans and leases to total assets | 73.8449% | 2,793 |
| Net loans and leases to deposits | 95.2887% | 2,070 |
| Net loans and leases to core deposits | 115.7248% | 2,826 |
| Total domestic deposits to total assets | 77.4960% | 6,148 |
| Equity capital to assets | 9.9965% | 4,010 |
| Core capital (leverage) ratio | 9.0410% | 4,638 |
| Tier 1 risk-based capital ratio | 13.4203% | 3,916 |
| Total risk-based capital ratio | 14.4604% | 3,966 |
| Memoranda: | ||
| Average total assets | $190,846,500 | 3,351 |
| Average earning assets | $170,656,500 | 3,411 |
| Average equity | $18,201,000 | 3,538 |
| Average total loans | $145,971,500 | 3,073 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1618% | 4,712 |
| Cost of funding earning assets | 2.6168% | 3,596 |
| Net interest margin | 3.5450% | 5,125 |
| Noninterest income to average assets | 0.4272% | 5,238 |
| Noninterest expense to average assets | 3.1018% | 3,687 |
| Loan and lease loss provision to assets | 0.2941% | 4,031 |
| Net operating income to assets | 0.2562% | 5,688 |
| Return on assets (ROA) | 0.2871% | 5,394 |
| Pretax return on assets | 0.2546% | 5,618 |
| Return on Equity (ROE) | 2.9659% | 5,249 |
| Retained earnings to average equity (ytd only) | -2.6301% | 6,021 |
| Net charge-offs to loans | 0.1369% | 4,853 |
| Credit loss provision to net charge-offs | 281.4815% | 1,621 |
| Earnings coverage of net charge-offs (x) | 4.9556% | 3,802 |
| Efficiency ratio | 85.6960% | 1,887 |
| Assets per employee ($millions) | 3.7826% | 3,993 |
| Cash dividends to net income (ytd only)* | 188.6792% | 339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0875% | 5,365 |
| Loan loss allowance to noncurrent loans | 949.2188% | 508 |
| Noncurrent assets plus other real estate owned to assets | 0.1943% | 6,790 |
| Noncurrent loans to loans | 0.1146% | 7,073 |
| Net loans and leases to total assets | 78.9587% | 1,894 |
| Net loans and leases to deposits | 109.7942% | 849 |
| Net loans and leases to core deposits | 135.0009% | 1,533 |
| Total domestic deposits to total assets | 71.9151% | 7,015 |
| Equity capital to assets | 8.7433% | 5,742 |
| Core capital (leverage) ratio | 8.8403% | 4,985 |
| Tier 1 risk-based capital ratio | 12.0354% | 4,793 |
| Total risk-based capital ratio | 13.2340% | 4,724 |
| Memoranda: | ||
| Average total assets | $129,215,600 | 4,302 |
| Average earning assets | $116,361,800 | 4,356 |
| Average equity | $12,509,000 | 4,695 |
| Average total loans | $98,598,200 | 3,988 |