Home > Standing Stone Bank > Performance and Condition Ratios
Standing Stone 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 | 4.1129% | 1,277 |
| Cost of funding earning assets | 0.3679% | 1,957 |
| Net interest margin | 3.7450% | 1,235 |
| Noninterest income to average assets | 0.8550% | 1,367 |
| Noninterest expense to average assets | 3.2434% | 659 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.8576% | 3,360 |
| Return on assets (ROA) | 0.8586% | 3,424 |
| Pretax return on assets | 1.0714% | 3,265 |
| Return on Equity (ROE) | 9.2615% | 3,016 |
| Retained earnings to average equity (ytd only) | 5.7004% | 2,956 |
| Net charge-offs to loans | 0.0399% | 1,288 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 40.2273% | 1,367 |
| Efficiency ratio | 75.1892% | 1,102 |
| Assets per employee ($millions) | 3.9734% | 4,466 |
| Cash dividends to net income (ytd only)* | 38.4507% | 1,686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9765% | 3,924 |
| Loan loss allowance to noncurrent loans | 1,286.5385% | 658 |
| Noncurrent assets plus other real estate owned to assets | 0.0467% | 3,841 |
| Noncurrent loans to loans | 0.0759% | 3,715 |
| Net loans and leases to total assets | 60.9767% | 2,137 |
| Net loans and leases to deposits | 68.1587% | 2,424 |
| Net loans and leases to core deposits | 85.7658% | 1,311 |
| Total domestic deposits to total assets | 89.4629% | 1,034 |
| Equity capital to assets | 9.3345% | 3,522 |
| Core capital (leverage) ratio | 8.3870% | 4,139 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5963% | 1,456 |
| Memoranda: | ||
| Average total assets | $110,253,500 | 3,940 |
| Average earning assets | $101,823,250 | 3,934 |
| Average equity | $10,221,250 | 4,157 |
| Average total loans | $73,449,750 | 3,641 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0655% | 1,418 |
| Cost of funding earning assets | 0.3762% | 2,078 |
| Net interest margin | 3.6893% | 1,379 |
| Noninterest income to average assets | 0.8424% | 1,416 |
| Noninterest expense to average assets | 3.2078% | 707 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.8337% | 3,411 |
| Return on assets (ROA) | 0.8352% | 3,480 |
| Pretax return on assets | 1.0444% | 3,346 |
| Return on Equity (ROE) | 9.0295% | 3,088 |
| Retained earnings to average equity (ytd only) | 6.0984% | 2,761 |
| Net charge-offs to loans | 0.0666% | 957 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 22.9200% | 1,476 |
| Efficiency ratio | 75.4709% | 1,131 |
| Assets per employee ($millions) | 3.8407% | 4,531 |
| Cash dividends to net income (ytd only)* | 32.4619% | 1,941 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9151% | 4,114 |
| Loan loss allowance to noncurrent loans | 2,296.5517% | 381 |
| Noncurrent assets plus other real estate owned to assets | 0.0260% | 4,090 |
| Noncurrent loans to loans | 0.0398% | 3,995 |
| Net loans and leases to total assets | 64.7432% | 1,860 |
| Net loans and leases to deposits | 72.3476% | 2,174 |
| Net loans and leases to core deposits | 85.5257% | 1,454 |
| Total domestic deposits to total assets | 89.4891% | 1,034 |
| Equity capital to assets | 9.2225% | 3,588 |
| Core capital (leverage) ratio | 8.6497% | 3,838 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6505% | 1,431 |
| Memoranda: | ||
| Average total assets | $109,920,000 | 3,963 |
| Average earning assets | $101,536,333 | 3,959 |
| Average equity | $10,166,667 | 4,182 |
| Average total loans | $75,097,000 | 3,632 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3049% | 1,027 |
| Cost of funding earning assets | 0.4007% | 2,089 |
| Net interest margin | 3.9042% | 981 |
| Noninterest income to average assets | 0.8316% | 1,508 |
| Noninterest expense to average assets | 3.2311% | 681 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.9635% | 2,919 |
| Return on assets (ROA) | 0.9635% | 3,015 |
| Pretax return on assets | 1.2052% | 2,836 |
| Return on Equity (ROE) | 10.4014% | 2,563 |
| Retained earnings to average equity (ytd only) | 6.5652% | 2,704 |
| Net charge-offs to loans | 0.1102% | 637 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 15.6667% | 1,339 |
| Efficiency ratio | 72.8324% | 1,419 |
| Assets per employee ($millions) | 3.9766% | 4,491 |
| Cash dividends to net income (ytd only)* | 36.8821% | 1,490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8978% | 4,161 |
| Loan loss allowance to noncurrent loans | 2,913.0435% | 282 |
| Noncurrent assets plus other real estate owned to assets | 0.0207% | 4,226 |
| Noncurrent loans to loans | 0.0308% | 4,132 |
| Net loans and leases to total assets | 66.4182% | 1,743 |
| Net loans and leases to deposits | 74.0577% | 2,112 |
| Net loans and leases to core deposits | 99.5732% | 731 |
| Total domestic deposits to total assets | 89.6844% | 978 |
| Equity capital to assets | 9.0331% | 3,646 |
| Core capital (leverage) ratio | 8.4509% | 4,167 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6534% | 1,397 |
| Memoranda: | ||
| Average total assets | $109,190,000 | 3,979 |
| Average earning assets | $100,814,500 | 3,972 |
| Average equity | $10,114,000 | 4,204 |
| Average total loans | $76,257,000 | 3,623 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4334% | 1,485 |
| Cost of funding earning assets | 0.6715% | 1,868 |
| Net interest margin | 3.7619% | 1,611 |
| Noninterest income to average assets | 0.8657% | 1,361 |
| Noninterest expense to average assets | 3.3283% | 870 |
| Loan and lease loss provision to assets | 0.0840% | 3,331 |
| Net operating income to assets | 0.7308% | 3,332 |
| Return on assets (ROA) | 0.7712% | 3,320 |
| Pretax return on assets | 0.9583% | 3,186 |
| Return on Equity (ROE) | 8.2804% | 2,699 |
| Retained earnings to average equity (ytd only) | 5.9848% | 1,798 |
| Net charge-offs to loans | 0.1599% | 1,020 |
| Credit loss provision to net charge-offs | 70.9677% | 3,035 |
| Earnings coverage of net charge-offs (x) | 8.3790% | 2,608 |
| Efficiency ratio | 77.0437% | 1,119 |
| Assets per employee ($millions) | 3.8226% | 4,488 |
| Cash dividends to net income (ytd only)* | 27.7228% | 2,949 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8871% | 4,226 |
| Loan loss allowance to noncurrent loans | 1,727.5000% | 435 |
| Noncurrent assets plus other real estate owned to assets | 0.0374% | 4,168 |
| Noncurrent loans to loans | 0.0514% | 4,089 |
| Net loans and leases to total assets | 72.1257% | 1,274 |
| Net loans and leases to deposits | 84.6954% | 1,388 |
| Net loans and leases to core deposits | 100.5221% | 879 |
| Total domestic deposits to total assets | 85.1589% | 2,700 |
| Equity capital to assets | 9.5017% | 3,609 |
| Core capital (leverage) ratio | 8.9397% | 3,765 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9787% | 1,536 |
| Memoranda: | ||
| Average total assets | $104,766,800 | 3,932 |
| Average earning assets | $96,201,800 | 3,944 |
| Average equity | $9,758,000 | 4,219 |
| Average total loans | $77,546,600 | 3,601 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4287% | 1,771 |
| Cost of funding earning assets | 0.7470% | 1,763 |
| Net interest margin | 3.6818% | 2,006 |
| Noninterest income to average assets | 0.8228% | 1,411 |
| Noninterest expense to average assets | 3.2846% | 928 |
| Loan and lease loss provision to assets | 0.1123% | 2,918 |
| Net operating income to assets | 0.6450% | 3,644 |
| Return on assets (ROA) | 0.6999% | 3,560 |
| Pretax return on assets | 0.8675% | 3,470 |
| Return on Equity (ROE) | 7.5538% | 2,989 |
| Retained earnings to average equity (ytd only) | 5.1509% | 2,499 |
| Net charge-offs to loans | 0.1497% | 979 |
| Credit loss provision to net charge-offs | 101.1494% | 2,615 |
| Earnings coverage of net charge-offs (x) | 8.1954% | 2,519 |
| Efficiency ratio | 78.2622% | 1,008 |
| Assets per employee ($millions) | 3.7932% | 4,476 |
| Cash dividends to net income (ytd only)* | 31.8099% | 2,286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9202% | 4,007 |
| Loan loss allowance to noncurrent loans | 457.8616% | 1,131 |
| Noncurrent assets plus other real estate owned to assets | 0.1497% | 3,667 |
| Noncurrent loans to loans | 0.2010% | 3,583 |
| Net loans and leases to total assets | 73.8057% | 1,397 |
| Net loans and leases to deposits | 88.7366% | 1,400 |
| Net loans and leases to core deposits | 106.7170% | 821 |
| Total domestic deposits to total assets | 83.1739% | 3,097 |
| Equity capital to assets | 9.3918% | 3,774 |
| Core capital (leverage) ratio | 8.6958% | 4,070 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3382% | 1,716 |
| Memoranda: | ||
| Average total assets | $104,200,000 | 3,937 |
| Average earning assets | $95,495,000 | 3,944 |
| Average equity | $9,655,000 | 4,247 |
| Average total loans | $77,460,750 | 3,618 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5061% | 1,895 |
| Cost of funding earning assets | 0.8126% | 1,766 |
| Net interest margin | 3.6935% | 2,185 |
| Noninterest income to average assets | 0.8172% | 1,389 |
| Noninterest expense to average assets | 3.2416% | 1,087 |
| Loan and lease loss provision to assets | 0.1507% | 2,499 |
| Net operating income to assets | 0.6492% | 3,582 |
| Return on assets (ROA) | 0.7322% | 3,387 |
| Pretax return on assets | 0.9079% | 3,294 |
| Return on Equity (ROE) | 7.9386% | 2,770 |
| Retained earnings to average equity (ytd only) | 5.6973% | 2,196 |
| Net charge-offs to loans | 0.1300% | 1,064 |
| Credit loss provision to net charge-offs | 156.0000% | 2,101 |
| Earnings coverage of net charge-offs (x) | 9.9000% | 2,190 |
| Efficiency ratio | 77.2204% | 1,130 |
| Assets per employee ($millions) | 3.5574% | 4,627 |
| Cash dividends to net income (ytd only)* | 28.2322% | 2,422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9296% | 3,880 |
| Loan loss allowance to noncurrent loans | 293.7743% | 1,582 |
| Noncurrent assets plus other real estate owned to assets | 0.2408% | 3,357 |
| Noncurrent loans to loans | 0.3164% | 3,254 |
| Net loans and leases to total assets | 75.3947% | 1,217 |
| Net loans and leases to deposits | 91.1080% | 1,250 |
| Net loans and leases to core deposits | 125.4612% | 319 |
| Total domestic deposits to total assets | 82.7532% | 3,164 |
| Equity capital to assets | 9.1660% | 3,957 |
| Core capital (leverage) ratio | 8.5792% | 4,317 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9220% | 1,849 |
| Memoranda: | ||
| Average total assets | $103,530,000 | 3,946 |
| Average earning assets | $94,760,000 | 3,957 |
| Average equity | $9,548,333 | 4,271 |
| Average total loans | $76,908,667 | 3,630 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5998% | 1,997 |
| Cost of funding earning assets | 0.9320% | 1,731 |
| Net interest margin | 3.6678% | 2,441 |
| Noninterest income to average assets | 0.8790% | 1,109 |
| Noninterest expense to average assets | 3.2845% | 1,252 |
| Loan and lease loss provision to assets | 0.1295% | 2,100 |
| Net operating income to assets | 0.6577% | 3,421 |
| Return on assets (ROA) | 0.8241% | 2,902 |
| Pretax return on assets | 1.0242% | 2,764 |
| Return on Equity (ROE) | 8.9063% | 2,149 |
| Retained earnings to average equity (ytd only) | 5.8527% | 1,934 |
| Net charge-offs to loans | 0.0696% | 1,335 |
| Credit loss provision to net charge-offs | 253.8462% | 1,276 |
| Earnings coverage of net charge-offs (x) | 18.5385% | 1,466 |
| Efficiency ratio | 77.6438% | 1,380 |
| Assets per employee ($millions) | 3.7746% | 4,198 |
| Cash dividends to net income (ytd only)* | 34.2857% | 2,033 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0168% | 3,616 |
| Loan loss allowance to noncurrent loans | 225.0000% | 1,889 |
| Noncurrent assets plus other real estate owned to assets | 0.3258% | 3,144 |
| Noncurrent loans to loans | 0.4519% | 2,896 |
| Net loans and leases to total assets | 71.3562% | 2,026 |
| Net loans and leases to deposits | 81.1150% | 2,569 |
| Net loans and leases to core deposits | 116.1007% | 585 |
| Total domestic deposits to total assets | 87.9693% | 1,123 |
| Equity capital to assets | 9.4413% | 4,270 |
| Core capital (leverage) ratio | 9.0560% | 4,418 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2073% | 2,193 |
| Memoranda: | ||
| Average total assets | $101,934,500 | 3,962 |
| Average earning assets | $93,134,500 | 3,983 |
| Average equity | $9,431,500 | 4,305 |
| Average total loans | $74,754,500 | 3,668 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7984% | 2,046 |
| Cost of funding earning assets | 0.9934% | 1,751 |
| Net interest margin | 3.8050% | 2,490 |
| Noninterest income to average assets | 0.9361% | 1,106 |
| Noninterest expense to average assets | 3.4880% | 978 |
| Loan and lease loss provision to assets | 0.0678% | 2,655 |
| Net operating income to assets | 0.7167% | 3,814 |
| Return on assets (ROA) | 0.7270% | 3,847 |
| Pretax return on assets | 0.8897% | 3,770 |
| Return on Equity (ROE) | 8.4773% | 2,950 |
| Retained earnings to average equity (ytd only) | 5.8472% | 1,948 |
| Net charge-offs to loans | 0.1323% | 1,448 |
| Credit loss provision to net charge-offs | 67.9612% | 2,939 |
| Earnings coverage of net charge-offs (x) | 9.4757% | 2,659 |
| Efficiency ratio | 78.6853% | 1,065 |
| Assets per employee ($millions) | 3.7761% | 4,177 |
| Cash dividends to net income (ytd only)* | 31.0253% | 3,035 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9561% | 3,721 |
| Loan loss allowance to noncurrent loans | 255.9859% | 1,741 |
| Noncurrent assets plus other real estate owned to assets | 0.2786% | 3,312 |
| Noncurrent loans to loans | 0.3735% | 3,104 |
| Net loans and leases to total assets | 73.8689% | 1,778 |
| Net loans and leases to deposits | 92.9802% | 1,260 |
| Net loans and leases to core deposits | 126.8280% | 327 |
| Total domestic deposits to total assets | 79.4458% | 4,091 |
| Equity capital to assets | 9.0638% | 4,650 |
| Core capital (leverage) ratio | 9.0343% | 4,508 |
| Tier 1 risk-based capital ratio | 12.6070% | 4,008 |
| Total risk-based capital ratio | 13.5991% | 4,025 |
| Memoranda: | ||
| Average total assets | $103,296,800 | 3,948 |
| Average earning assets | $94,927,400 | 3,952 |
| Average equity | $8,859,000 | 4,397 |
| Average total loans | $77,824,600 | 3,640 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8118% | 2,083 |
| Cost of funding earning assets | 1.0144% | 1,705 |
| Net interest margin | 3.7974% | 2,609 |
| Noninterest income to average assets | 0.9186% | 1,103 |
| Noninterest expense to average assets | 3.5175% | 926 |
| Loan and lease loss provision to assets | 0.0386% | 3,130 |
| Net operating income to assets | 0.6999% | 4,018 |
| Return on assets (ROA) | 0.6999% | 4,076 |
| Pretax return on assets | 0.8543% | 3,993 |
| Return on Equity (ROE) | 8.2766% | 3,205 |
| Retained earnings to average equity (ytd only) | 5.2641% | 2,748 |
| Net charge-offs to loans | 0.0988% | 1,485 |
| Credit loss provision to net charge-offs | 51.7241% | 2,776 |
| Earnings coverage of net charge-offs (x) | 11.9657% | 2,402 |
| Efficiency ratio | 79.7550% | 942 |
| Assets per employee ($millions) | 3.7946% | 4,167 |
| Cash dividends to net income (ytd only)* | 36.3963% | 2,313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9663% | 3,754 |
| Loan loss allowance to noncurrent loans | 258.6572% | 1,716 |
| Noncurrent assets plus other real estate owned to assets | 0.2762% | 3,448 |
| Noncurrent loans to loans | 0.3736% | 3,219 |
| Net loans and leases to total assets | 73.2221% | 1,960 |
| Net loans and leases to deposits | 89.5974% | 1,746 |
| Net loans and leases to core deposits | 107.3633% | 1,093 |
| Total domestic deposits to total assets | 81.7235% | 3,556 |
| Equity capital to assets | 8.8703% | 4,842 |
| Core capital (leverage) ratio | 8.7054% | 4,838 |
| Tier 1 risk-based capital ratio | 12.3446% | 4,234 |
| Total risk-based capital ratio | 13.3413% | 4,266 |
| Memoranda: | ||
| Average total assets | $103,632,250 | 3,989 |
| Average earning assets | $95,290,500 | 3,993 |
| Average equity | $8,763,500 | 4,458 |
| Average total loans | $78,270,750 | 3,671 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7683% | 2,167 |
| Cost of funding earning assets | 1.0187% | 1,607 |
| Net interest margin | 3.7496% | 2,755 |
| Noninterest income to average assets | 0.9017% | 1,071 |
| Noninterest expense to average assets | 3.5338% | 919 |
| Loan and lease loss provision to assets | 0.0192% | 3,404 |
| Net operating income to assets | 0.6633% | 4,119 |
| Return on assets (ROA) | 0.6633% | 4,176 |
| Pretax return on assets | 0.8094% | 4,066 |
| Return on Equity (ROE) | 7.9720% | 3,305 |
| Retained earnings to average equity (ytd only) | 5.5226% | 2,509 |
| Net charge-offs to loans | 0.0910% | 1,451 |
| Credit loss provision to net charge-offs | 27.7778% | 2,611 |
| Earnings coverage of net charge-offs (x) | 11.9722% | 2,177 |
| Efficiency ratio | 81.0048% | 884 |
| Assets per employee ($millions) | 3.6676% | 4,288 |
| Cash dividends to net income (ytd only)* | 30.7246% | 2,602 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9373% | 3,929 |
| Loan loss allowance to noncurrent loans | 252.2337% | 1,823 |
| Noncurrent assets plus other real estate owned to assets | 0.2834% | 3,423 |
| Noncurrent loans to loans | 0.3716% | 3,190 |
| Net loans and leases to total assets | 75.5417% | 1,622 |
| Net loans and leases to deposits | 94.2532% | 1,232 |
| Net loans and leases to core deposits | 122.0535% | 486 |
| Total domestic deposits to total assets | 80.1476% | 4,012 |
| Equity capital to assets | 8.6968% | 4,957 |
| Core capital (leverage) ratio | 8.6629% | 4,870 |
| Tier 1 risk-based capital ratio | 11.8474% | 4,503 |
| Total risk-based capital ratio | 12.8180% | 4,543 |
| Memoranda: | ||
| Average total assets | $104,025,000 | 3,999 |
| Average earning assets | $96,009,000 | 4,006 |
| Average equity | $8,655,330 | 4,489 |
| Average total loans | $79,110,670 | 3,676 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8068% | 1,882 |
| Cost of funding earning assets | 1.0126% | 1,519 |
| Net interest margin | 3.7942% | 2,548 |
| Noninterest income to average assets | 0.8367% | 1,199 |
| Noninterest expense to average assets | 3.4463% | 1,043 |
| Loan and lease loss provision to assets | 0.0382% | 2,862 |
| Net operating income to assets | 0.7030% | 3,921 |
| Return on assets (ROA) | 0.7030% | 3,969 |
| Pretax return on assets | 0.8597% | 3,894 |
| Return on Equity (ROE) | 8.6410% | 2,970 |
| Retained earnings to average equity (ytd only) | 5.3067% | 2,773 |
| Net charge-offs to loans | 0.1258% | 993 |
| Credit loss provision to net charge-offs | 40.0000% | 2,031 |
| Earnings coverage of net charge-offs (x) | 9.4000% | 2,033 |
| Efficiency ratio | 79.3316% | 1,119 |
| Assets per employee ($millions) | 3.7223% | 4,316 |
| Cash dividends to net income (ytd only)* | 38.5870% | 1,962 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9537% | 3,947 |
| Loan loss allowance to noncurrent loans | 265.1246% | 1,745 |
| Noncurrent assets plus other real estate owned to assets | 0.2696% | 3,532 |
| Noncurrent loans to loans | 0.3597% | 3,292 |
| Net loans and leases to total assets | 74.2341% | 1,762 |
| Net loans and leases to deposits | 93.5674% | 1,222 |
| Net loans and leases to core deposits | 120.9231% | 502 |
| Total domestic deposits to total assets | 79.3376% | 4,290 |
| Equity capital to assets | 8.2966% | 5,085 |
| Core capital (leverage) ratio | 8.3918% | 5,065 |
| Tier 1 risk-based capital ratio | 11.5395% | 4,726 |
| Total risk-based capital ratio | 12.5127% | 4,767 |
| Memoranda: | ||
| Average total assets | $104,691,000 | 4,027 |
| Average earning assets | $96,780,500 | 4,032 |
| Average equity | $8,517,500 | 4,537 |
| Average total loans | $79,511,000 | 3,703 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6833% | 1,886 |
| Cost of funding earning assets | 0.8562% | 1,276 |
| Net interest margin | 3.8270% | 2,570 |
| Noninterest income to average assets | 1.0400% | 874 |
| Noninterest expense to average assets | 3.8009% | 683 |
| Loan and lease loss provision to assets | 0.0735% | 2,663 |
| Net operating income to assets | 0.5754% | 4,487 |
| Return on assets (ROA) | 0.5535% | 4,538 |
| Pretax return on assets | 0.6666% | 4,499 |
| Return on Equity (ROE) | 7.5895% | 3,621 |
| Retained earnings to average equity (ytd only) | 4.9390% | 2,797 |
| Net charge-offs to loans | 0.0475% | 2,486 |
| Credit loss provision to net charge-offs | 205.2632% | 1,406 |
| Earnings coverage of net charge-offs (x) | 21.3947% | 1,945 |
| Efficiency ratio | 83.2164% | 698 |
| Assets per employee ($millions) | 3.7557% | 4,234 |
| Cash dividends to net income (ytd only)* | 34.9233% | 2,793 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9393% | 3,996 |
| Loan loss allowance to noncurrent loans | 211.6992% | 2,144 |
| Noncurrent assets plus other real estate owned to assets | 0.3414% | 3,181 |
| Noncurrent loans to loans | 0.4437% | 2,948 |
| Net loans and leases to total assets | 76.2160% | 1,577 |
| Net loans and leases to deposits | 96.3769% | 1,036 |
| Net loans and leases to core deposits | 131.3557% | 295 |
| Total domestic deposits to total assets | 79.0812% | 4,297 |
| Equity capital to assets | 7.9765% | 5,171 |
| Core capital (leverage) ratio | 8.1280% | 5,196 |
| Tier 1 risk-based capital ratio | 11.1915% | 4,867 |
| Total risk-based capital ratio | 12.1669% | 4,900 |
| Memoranda: | ||
| Average total assets | $106,054,000 | 4,002 |
| Average earning assets | $97,752,200 | 4,009 |
| Average equity | $7,734,400 | 4,643 |
| Average total loans | $79,968,000 | 3,668 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6058% | 1,961 |
| Cost of funding earning assets | 0.7996% | 1,340 |
| Net interest margin | 3.8061% | 2,625 |
| Noninterest income to average assets | 1.0714% | 826 |
| Noninterest expense to average assets | 3.8389% | 639 |
| Loan and lease loss provision to assets | 0.0941% | 2,096 |
| Net operating income to assets | 0.5360% | 4,683 |
| Return on assets (ROA) | 0.5068% | 4,752 |
| Pretax return on assets | 0.6085% | 4,715 |
| Return on Equity (ROE) | 7.1146% | 3,893 |
| Retained earnings to average equity (ytd only) | 4.0857% | 3,729 |
| Net charge-offs to loans | 0.0351% | 2,387 |
| Credit loss provision to net charge-offs | 357.1429% | 881 |
| Earnings coverage of net charge-offs (x) | 27.9993% | 1,683 |
| Efficiency ratio | 83.8816% | 647 |
| Assets per employee ($millions) | 3.8718% | 4,075 |
| Cash dividends to net income (ytd only)* | 42.5750% | 1,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9226% | 4,173 |
| Loan loss allowance to noncurrent loans | 93.4783% | 3,584 |
| Noncurrent assets plus other real estate owned to assets | 0.7638% | 1,945 |
| Noncurrent loans to loans | 0.9870% | 1,725 |
| Net loans and leases to total assets | 76.6726% | 1,558 |
| Net loans and leases to deposits | 101.2079% | 690 |
| Net loans and leases to core deposits | 139.8408% | 208 |
| Total domestic deposits to total assets | 75.7575% | 4,813 |
| Equity capital to assets | 7.1073% | 5,374 |
| Core capital (leverage) ratio | 7.5117% | 5,392 |
| Tier 1 risk-based capital ratio | 10.1856% | 5,333 |
| Total risk-based capital ratio | 11.1484% | 5,354 |
| Memoranda: | ||
| Average total assets | $106,277,750 | 4,038 |
| Average earning assets | $97,874,750 | 4,048 |
| Average equity | $7,571,000 | 4,716 |
| Average total loans | $79,733,000 | 3,704 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5381% | 1,967 |
| Cost of funding earning assets | 0.6998% | 1,624 |
| Net interest margin | 3.8384% | 2,424 |
| Noninterest income to average assets | 1.1538% | 725 |
| Noninterest expense to average assets | 3.9330% | 586 |
| Loan and lease loss provision to assets | 0.1137% | 1,744 |
| Net operating income to assets | 0.5328% | 4,672 |
| Return on assets (ROA) | 0.4888% | 4,775 |
| Pretax return on assets | 0.5873% | 4,755 |
| Return on Equity (ROE) | 6.8559% | 3,942 |
| Retained earnings to average equity (ytd only) | 4.0392% | 3,595 |
| Net charge-offs to loans | 0.0408% | 2,042 |
| Credit loss provision to net charge-offs | 375.0000% | 857 |
| Earnings coverage of net charge-offs (x) | 24.8750% | 1,661 |
| Efficiency ratio | 83.9127% | 691 |
| Assets per employee ($millions) | 3.5894% | 4,486 |
| Cash dividends to net income (ytd only)* | 41.0853% | 2,064 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9233% | 4,233 |
| Loan loss allowance to noncurrent loans | 215.8192% | 2,144 |
| Noncurrent assets plus other real estate owned to assets | 0.3287% | 3,447 |
| Noncurrent loans to loans | 0.4278% | 3,169 |
| Net loans and leases to total assets | 76.1355% | 1,616 |
| Net loans and leases to deposits | 99.3071% | 853 |
| Net loans and leases to core deposits | 137.3283% | 220 |
| Total domestic deposits to total assets | 76.6667% | 4,774 |
| Equity capital to assets | 7.1181% | 5,435 |
| Core capital (leverage) ratio | 7.6045% | 5,429 |
| Tier 1 risk-based capital ratio | 9.7988% | 5,468 |
| Total risk-based capital ratio | 10.7221% | 5,480 |
| Memoranda: | ||
| Average total assets | $105,567,330 | 4,081 |
| Average earning assets | $97,177,000 | 4,088 |
| Average equity | $7,526,330 | 4,771 |
| Average total loans | $78,346,000 | 3,743 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4131% | 2,154 |
| Cost of funding earning assets | 0.6245% | 1,885 |
| Net interest margin | 3.7886% | 2,467 |
| Noninterest income to average assets | 1.0946% | 770 |
| Noninterest expense to average assets | 4.0379% | 505 |
| Loan and lease loss provision to assets | 0.0957% | 1,918 |
| Net operating income to assets | 0.3829% | 4,958 |
| Return on assets (ROA) | 0.3368% | 5,041 |
| Pretax return on assets | 0.3904% | 5,049 |
| Return on Equity (ROE) | 4.7204% | 4,576 |
| Retained earnings to average equity (ytd only) | 1.1801% | 4,579 |
| Net charge-offs to loans | 0.0420% | 1,699 |
| Credit loss provision to net charge-offs | 312.5000% | 791 |
| Earnings coverage of net charge-offs (x) | 17.6250% | 1,572 |
| Efficiency ratio | 88.2107% | 526 |
| Assets per employee ($millions) | 3.4672% | 4,699 |
| Cash dividends to net income (ytd only)* | 75.0000% | 918 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9394% | 4,265 |
| Loan loss allowance to noncurrent loans | 226.0736% | 2,045 |
| Noncurrent assets plus other real estate owned to assets | 0.3134% | 3,579 |
| Noncurrent loans to loans | 0.4155% | 3,292 |
| Net loans and leases to total assets | 74.7154% | 1,752 |
| Net loans and leases to deposits | 97.6234% | 897 |
| Net loans and leases to core deposits | 125.3524% | 439 |
| Total domestic deposits to total assets | 76.5344% | 4,916 |
| Equity capital to assets | 7.1153% | 5,499 |
| Core capital (leverage) ratio | 7.5768% | 5,498 |
| Tier 1 risk-based capital ratio | 9.8243% | 5,529 |
| Total risk-based capital ratio | 10.7492% | 5,541 |
| Memoranda: | ||
| Average total assets | $104,509,500 | 4,150 |
| Average earning assets | $96,078,000 | 4,157 |
| Average equity | $7,457,000 | 4,828 |
| Average total loans | $76,144,500 | 3,833 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1265% | 2,968 |
| Cost of funding earning assets | 0.4931% | 2,396 |
| Net interest margin | 3.6334% | 3,053 |
| Noninterest income to average assets | 0.8195% | 1,504 |
| Noninterest expense to average assets | 3.6954% | 799 |
| Loan and lease loss provision to assets | 0.0213% | 3,873 |
| Net operating income to assets | 0.3204% | 4,893 |
| Return on assets (ROA) | 0.3284% | 4,897 |
| Pretax return on assets | 0.4398% | 5,026 |
| Return on Equity (ROE) | 4.5478% | 4,333 |
| Retained earnings to average equity (ytd only) | 1.9050% | 4,175 |
| Net charge-offs to loans | 0.0318% | 3,157 |
| Credit loss provision to net charge-offs | 100.0000% | 2,558 |
| Earnings coverage of net charge-offs (x) | 21.1364% | 1,926 |
| Efficiency ratio | 89.1355% | 468 |
| Assets per employee ($millions) | 3.2813% | 4,956 |
| Cash dividends to net income (ytd only)* | 58.1121% | 1,842 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9751% | 4,078 |
| Loan loss allowance to noncurrent loans | 227.1293% | 2,072 |
| Noncurrent assets plus other real estate owned to assets | 0.3019% | 3,677 |
| Noncurrent loans to loans | 0.4293% | 3,250 |
| Net loans and leases to total assets | 69.6323% | 2,577 |
| Net loans and leases to deposits | 92.5086% | 1,451 |
| Net loans and leases to core deposits | 122.5052% | 510 |
| Total domestic deposits to total assets | 75.2712% | 5,059 |
| Equity capital to assets | 7.1550% | 5,574 |
| Core capital (leverage) ratio | 7.6671% | 5,525 |
| Tier 1 risk-based capital ratio | 10.3862% | 5,408 |
| Total risk-based capital ratio | 11.3445% | 5,447 |
| Memoranda: | ||
| Average total assets | $103,236,800 | 4,182 |
| Average earning assets | $94,511,200 | 4,191 |
| Average equity | $7,454,200 | 4,870 |
| Average total loans | $69,198,600 | 3,984 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0758% | 3,068 |
| Cost of funding earning assets | 0.4793% | 2,435 |
| Net interest margin | 3.5965% | 3,166 |
| Noninterest income to average assets | 0.7808% | 1,661 |
| Noninterest expense to average assets | 3.6252% | 836 |
| Loan and lease loss provision to assets | 0.0130% | 3,888 |
| Net operating income to assets | 0.3303% | 5,154 |
| Return on assets (ROA) | 0.3411% | 5,159 |
| Pretax return on assets | 0.4462% | 5,121 |
| Return on Equity (ROE) | 4.7135% | 4,630 |
| Retained earnings to average equity (ytd only) | 1.7205% | 4,736 |
| Net charge-offs to loans | 0.0235% | 2,983 |
| Credit loss provision to net charge-offs | 83.3333% | 2,533 |
| Earnings coverage of net charge-offs (x) | 28.5825% | 1,603 |
| Efficiency ratio | 89.0695% | 449 |
| Assets per employee ($millions) | 3.2531% | 5,006 |
| Cash dividends to net income (ytd only)* | 63.4974% | 1,213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0058% | 4,019 |
| Loan loss allowance to noncurrent loans | 209.9415% | 2,162 |
| Noncurrent assets plus other real estate owned to assets | 0.3391% | 3,696 |
| Noncurrent loans to loans | 0.4791% | 3,249 |
| Net loans and leases to total assets | 70.0759% | 2,547 |
| Net loans and leases to deposits | 88.9454% | 1,934 |
| Net loans and leases to core deposits | 120.6865% | 569 |
| Total domestic deposits to total assets | 78.7853% | 4,577 |
| Equity capital to assets | 7.5314% | 5,611 |
| Core capital (leverage) ratio | 7.6200% | 5,605 |
| Tier 1 risk-based capital ratio | 10.4615% | 5,462 |
| Total risk-based capital ratio | 11.4355% | 5,508 |
| Memoranda: | ||
| Average total assets | $102,795,250 | 4,232 |
| Average earning assets | $94,015,750 | 4,236 |
| Average equity | $7,439,500 | 4,918 |
| Average total loans | $68,039,250 | 4,043 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9581% | 3,355 |
| Cost of funding earning assets | 0.4678% | 2,431 |
| Net interest margin | 3.4903% | 3,441 |
| Noninterest income to average assets | 0.7734% | 1,673 |
| Noninterest expense to average assets | 3.6000% | 873 |
| Loan and lease loss provision to assets | 0.0058% | 3,801 |
| Net operating income to assets | 0.2809% | 5,267 |
| Return on assets (ROA) | 0.2977% | 5,248 |
| Pretax return on assets | 0.3770% | 5,220 |
| Return on Equity (ROE) | 4.1691% | 4,779 |
| Retained earnings to average equity (ytd only) | 1.3807% | 4,702 |
| Net charge-offs to loans | 0.0209% | 2,805 |
| Credit loss provision to net charge-offs | 42.8571% | 2,618 |
| Earnings coverage of net charge-offs (x) | 26.7143% | 1,563 |
| Efficiency ratio | 90.8736% | 411 |
| Assets per employee ($millions) | 3.3340% | 4,947 |
| Cash dividends to net income (ytd only)* | 66.8831% | 1,250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0118% | 4,074 |
| Loan loss allowance to noncurrent loans | 215.6627% | 2,096 |
| Noncurrent assets plus other real estate owned to assets | 0.3112% | 3,878 |
| Noncurrent loans to loans | 0.4692% | 3,335 |
| Net loans and leases to total assets | 65.6581% | 3,155 |
| Net loans and leases to deposits | 88.0202% | 1,978 |
| Net loans and leases to core deposits | 121.0242% | 515 |
| Total domestic deposits to total assets | 74.5944% | 5,241 |
| Equity capital to assets | 7.0870% | 5,702 |
| Core capital (leverage) ratio | 7.4926% | 5,658 |
| Tier 1 risk-based capital ratio | 9.9344% | 5,646 |
| Total risk-based capital ratio | 10.8622% | 5,675 |
| Memoranda: | ||
| Average total assets | $103,445,330 | 4,248 |
| Average earning assets | $94,490,670 | 4,258 |
| Average equity | $7,387,670 | 4,948 |
| Average total loans | $66,923,670 | 4,084 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8776% | 3,475 |
| Cost of funding earning assets | 0.4600% | 2,430 |
| Net interest margin | 3.4176% | 3,586 |
| Noninterest income to average assets | 0.7425% | 1,772 |
| Noninterest expense to average assets | 3.6455% | 834 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.1969% | 5,397 |
| Return on assets (ROA) | 0.2003% | 5,407 |
| Pretax return on assets | 0.2239% | 5,413 |
| Return on Equity (ROE) | 2.7941% | 5,151 |
| Retained earnings to average equity (ytd only) | -1.2053% | 5,096 |
| Net charge-offs to loans | 0.0369% | 2,051 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 9.3333% | 1,996 |
| Efficiency ratio | 94.3089% | 370 |
| Assets per employee ($millions) | 3.1665% | 5,202 |
| Cash dividends to net income (ytd only)* | 143.1373% | 419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0901% | 3,768 |
| Loan loss allowance to noncurrent loans | 443.4783% | 1,159 |
| Noncurrent assets plus other real estate owned to assets | 0.1589% | 4,615 |
| Noncurrent loans to loans | 0.2458% | 4,226 |
| Net loans and leases to total assets | 63.9369% | 3,288 |
| Net loans and leases to deposits | 80.4495% | 2,692 |
| Net loans and leases to core deposits | 110.3304% | 866 |
| Total domestic deposits to total assets | 79.4746% | 4,716 |
| Equity capital to assets | 7.2399% | 5,726 |
| Core capital (leverage) ratio | 7.5604% | 5,694 |
| Tier 1 risk-based capital ratio | 10.8926% | 5,366 |
| Total risk-based capital ratio | 11.9167% | 5,392 |
| Memoranda: | ||
| Average total assets | $101,823,500 | 4,315 |
| Average earning assets | $93,048,000 | 4,334 |
| Average equity | $7,301,000 | 4,999 |
| Average total loans | $65,002,500 | 4,157 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8908% | 3,599 |
| Cost of funding earning assets | 0.4576% | 2,470 |
| Net interest margin | 3.4332% | 3,693 |
| Noninterest income to average assets | 0.6249% | 2,529 |
| Noninterest expense to average assets | 3.6430% | 956 |
| Loan and lease loss provision to assets | -0.1914% | 5,779 |
| Net operating income to assets | 0.2289% | 5,358 |
| Return on assets (ROA) | 0.4220% | 4,953 |
| Pretax return on assets | 0.5608% | 4,895 |
| Return on Equity (ROE) | 5.9233% | 4,018 |
| Retained earnings to average equity (ytd only) | 3.3713% | 3,523 |
| Net charge-offs to loans | -0.4123% | 5,819 |
| Credit loss provision to net charge-offs | 78.4314% | 2,994 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.0183% | 283 |
| Assets per employee ($millions) | 3.4106% | 4,887 |
| Cash dividends to net income (ytd only)* | 43.0839% | 2,706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1162% | 3,620 |
| Loan loss allowance to noncurrent loans | 375.0000% | 1,339 |
| Noncurrent assets plus other real estate owned to assets | 0.1876% | 4,571 |
| Noncurrent loans to loans | 0.2977% | 4,082 |
| Net loans and leases to total assets | 62.3394% | 3,566 |
| Net loans and leases to deposits | 77.0006% | 3,203 |
| Net loans and leases to core deposits | 109.8965% | 905 |
| Total domestic deposits to total assets | 80.9595% | 4,344 |
| Equity capital to assets | 7.1013% | 5,785 |
| Core capital (leverage) ratio | 7.2567% | 5,781 |
| Tier 1 risk-based capital ratio | 10.9624% | 5,358 |
| Total risk-based capital ratio | 11.9987% | 5,367 |
| Memoranda: | ||
| Average total assets | $104,500,600 | 4,271 |
| Average earning assets | $95,276,200 | 4,289 |
| Average equity | $7,445,200 | 5,014 |
| Average total loans | $61,846,200 | 4,233 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7704% | 4,019 |
| Cost of funding earning assets | 0.4483% | 2,570 |
| Net interest margin | 3.3221% | 4,121 |
| Noninterest income to average assets | 0.6765% | 2,279 |
| Noninterest expense to average assets | 3.6288% | 953 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.0597% | 5,673 |
| Return on assets (ROA) | 0.3275% | 5,300 |
| Pretax return on assets | 0.4150% | 5,279 |
| Return on Equity (ROE) | 4.5927% | 4,678 |
| Retained earnings to average equity (ytd only) | 1.7445% | 4,807 |
| Net charge-offs to loans | -0.0937% | 5,550 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.9445% | 261 |
| Assets per employee ($millions) | 3.3380% | 4,999 |
| Cash dividends to net income (ytd only)* | 62.0163% | 1,351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1032% | 3,815 |
| Loan loss allowance to noncurrent loans | 2,723.0769% | 255 |
| Noncurrent assets plus other real estate owned to assets | 0.0384% | 5,327 |
| Noncurrent loans to loans | 0.0405% | 5,203 |
| Net loans and leases to total assets | 59.4171% | 3,950 |
| Net loans and leases to deposits | 70.3298% | 3,957 |
| Net loans and leases to core deposits | 105.4847% | 1,233 |
| Total domestic deposits to total assets | 84.4836% | 3,033 |
| Equity capital to assets | 7.0860% | 5,880 |
| Core capital (leverage) ratio | 7.0442% | 5,876 |
| Tier 1 risk-based capital ratio | 10.9447% | 5,396 |
| Total risk-based capital ratio | 11.9832% | 5,415 |
| Memoranda: | ||
| Average total assets | $105,046,000 | 4,296 |
| Average earning assets | $95,760,500 | 4,308 |
| Average equity | $7,490,000 | 5,062 |
| Average total loans | $61,181,500 | 4,288 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7059% | 4,283 |
| Cost of funding earning assets | 0.4334% | 2,708 |
| Net interest margin | 3.2725% | 4,319 |
| Noninterest income to average assets | 0.7314% | 2,000 |
| Noninterest expense to average assets | 3.5824% | 1,030 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.1159% | 5,649 |
| Return on assets (ROA) | 0.2776% | 5,456 |
| Pretax return on assets | 0.3389% | 5,438 |
| Return on Equity (ROE) | 3.8855% | 4,955 |
| Retained earnings to average equity (ytd only) | 0.6699% | 5,107 |
| Net charge-offs to loans | -0.0997% | 5,614 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.1954% | 338 |
| Assets per employee ($millions) | 3.2926% | 5,077 |
| Cash dividends to net income (ytd only)* | 82.7586% | 837 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1423% | 3,703 |
| Loan loss allowance to noncurrent loans | 2,673.0769% | 248 |
| Noncurrent assets plus other real estate owned to assets | 0.0828% | 5,196 |
| Noncurrent loans to loans | 0.0427% | 5,294 |
| Net loans and leases to total assets | 55.3578% | 4,376 |
| Net loans and leases to deposits | 68.2286% | 4,159 |
| Net loans and leases to core deposits | 107.0038% | 1,103 |
| Total domestic deposits to total assets | 81.1357% | 4,233 |
| Equity capital to assets | 6.9587% | 5,964 |
| Core capital (leverage) ratio | 7.0384% | 5,949 |
| Tier 1 risk-based capital ratio | 11.0553% | 5,395 |
| Total risk-based capital ratio | 12.0951% | 5,425 |
| Memoranda: | ||
| Average total assets | $104,456,000 | 4,344 |
| Average earning assets | $95,522,330 | 4,351 |
| Average equity | $7,463,670 | 5,111 |
| Average total loans | $60,183,670 | 4,343 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7298% | 4,212 |
| Cost of funding earning assets | 0.4111% | 2,947 |
| Net interest margin | 3.3187% | 4,149 |
| Noninterest income to average assets | 0.7112% | 1,984 |
| Noninterest expense to average assets | 3.5914% | 1,032 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.1152% | 5,657 |
| Return on assets (ROA) | 0.4181% | 5,014 |
| Pretax return on assets | 0.5471% | 4,957 |
| Return on Equity (ROE) | 5.7721% | 4,091 |
| Retained earnings to average equity (ytd only) | 0.9710% | 4,853 |
| Net charge-offs to loans | -0.1270% | 5,724 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.0293% | 396 |
| Assets per employee ($millions) | 3.1198% | 5,375 |
| Cash dividends to net income (ytd only)* | 83.1776% | 950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1286% | 3,893 |
| Loan loss allowance to noncurrent loans | 1,085.7143% | 542 |
| Noncurrent assets plus other real estate owned to assets | 0.1234% | 5,082 |
| Noncurrent loans to loans | 0.1039% | 5,054 |
| Net loans and leases to total assets | 58.2042% | 4,022 |
| Net loans and leases to deposits | 79.4724% | 2,866 |
| Net loans and leases to core deposits | 113.5099% | 689 |
| Total domestic deposits to total assets | 73.2383% | 5,673 |
| Equity capital to assets | 7.2538% | 5,987 |
| Core capital (leverage) ratio | 7.3241% | 5,957 |
| Tier 1 risk-based capital ratio | 11.3869% | 5,287 |
| Total risk-based capital ratio | 12.4420% | 5,307 |
| Memoranda: | ||
| Average total assets | $102,356,500 | 4,421 |
| Average earning assets | $93,409,000 | 4,438 |
| Average equity | $7,415,000 | 5,150 |
| Average total loans | $59,853,500 | 4,374 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8843% | 3,762 |
| Cost of funding earning assets | 0.3873% | 3,292 |
| Net interest margin | 3.4969% | 3,533 |
| Noninterest income to average assets | 0.3547% | 4,366 |
| Noninterest expense to average assets | 3.7872% | 878 |
| Loan and lease loss provision to assets | 0.0200% | 4,002 |
| Net operating income to assets | -0.0771% | 5,914 |
| Return on assets (ROA) | 0.0150% | 5,885 |
| Pretax return on assets | -0.1329% | 5,938 |
| Return on Equity (ROE) | 0.2031% | 5,871 |
| Retained earnings to average equity (ytd only) | -1.6247% | 5,726 |
| Net charge-offs to loans | -0.1128% | 5,811 |
| Credit loss provision to net charge-offs | -30.7692% | 5,018 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.2743% | 167 |
| Assets per employee ($millions) | 3.1800% | 5,312 |
| Cash dividends to net income (ytd only)* | 900.0000% | 10 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1252% | 3,897 |
| Loan loss allowance to noncurrent loans | 875.0000% | 657 |
| Noncurrent assets plus other real estate owned to assets | 0.1376% | 5,038 |
| Noncurrent loans to loans | 0.1286% | 4,979 |
| Net loans and leases to total assets | 57.4243% | 4,155 |
| Net loans and leases to deposits | 70.2217% | 3,896 |
| Net loans and leases to core deposits | 106.6196% | 1,070 |
| Total domestic deposits to total assets | 81.7757% | 4,231 |
| Equity capital to assets | 7.2347% | 6,021 |
| Core capital (leverage) ratio | 7.3199% | 6,009 |
| Tier 1 risk-based capital ratio | 11.4896% | 5,266 |
| Total risk-based capital ratio | 12.5271% | 5,283 |
| Memoranda: | ||
| Average total assets | $100,073,400 | 4,461 |
| Average earning assets | $90,879,400 | 4,487 |
| Average equity | $7,386,200 | 5,171 |
| Average total loans | $57,612,600 | 4,439 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9089% | 3,718 |
| Cost of funding earning assets | 0.3789% | 3,451 |
| Net interest margin | 3.5299% | 3,430 |
| Noninterest income to average assets | 0.2341% | 5,255 |
| Noninterest expense to average assets | 3.8185% | 832 |
| Loan and lease loss provision to assets | 0.0201% | 3,876 |
| Net operating income to assets | -0.1602% | 6,031 |
| Return on assets (ROA) | -0.0883% | 6,017 |
| Pretax return on assets | -0.2890% | 6,082 |
| Return on Equity (ROE) | -1.1904% | 6,036 |
| Retained earnings to average equity (ytd only) | -3.6253% | 5,972 |
| Net charge-offs to loans | -0.0839% | 5,726 |
| Credit loss provision to net charge-offs | -41.6667% | 4,946 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 111.0938% | 141 |
| Assets per employee ($millions) | 3.2197% | 5,258 |
| Cash dividends to net income (ytd only)* | -204.5455% | 6,264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0424% | 4,514 |
| Loan loss allowance to noncurrent loans | 12,620.0000% | 80 |
| Noncurrent assets plus other real estate owned to assets | 0.0670% | 5,496 |
| Noncurrent loans to loans | 0.0083% | 5,613 |
| Net loans and leases to total assets | 58.1378% | 4,124 |
| Net loans and leases to deposits | 70.4292% | 3,929 |
| Net loans and leases to core deposits | 109.5044% | 902 |
| Total domestic deposits to total assets | 82.5480% | 3,969 |
| Equity capital to assets | 7.1590% | 6,127 |
| Core capital (leverage) ratio | 7.1268% | 6,111 |
| Tier 1 risk-based capital ratio | 11.1067% | 5,603 |
| Total risk-based capital ratio | 12.0691% | 5,675 |
| Memoranda: | ||
| Average total assets | $99,651,750 | 4,516 |
| Average earning assets | $90,424,500 | 4,545 |
| Average equity | $7,392,250 | 5,236 |
| Average total loans | $57,240,750 | 4,496 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9023% | 3,676 |
| Cost of funding earning assets | 0.3716% | 3,579 |
| Net interest margin | 3.5306% | 3,377 |
| Noninterest income to average assets | -0.0731% | 6,296 |
| Noninterest expense to average assets | 3.8264% | 841 |
| Loan and lease loss provision to assets | 0.0203% | 3,727 |
| Net operating income to assets | -0.3943% | 6,158 |
| Return on assets (ROA) | -0.3410% | 6,162 |
| Pretax return on assets | -0.6354% | 6,204 |
| Return on Equity (ROE) | -4.5420% | 6,183 |
| Retained earnings to average equity (ytd only) | -8.1918% | 6,137 |
| Net charge-offs to loans | -0.0819% | 5,712 |
| Credit loss provision to net charge-offs | -43.4783% | 4,803 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 122.3232% | 100 |
| Assets per employee ($millions) | 3.0424% | 5,542 |
| Cash dividends to net income (ytd only)* | -80.3571% | 6,333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0319% | 4,704 |
| Loan loss allowance to noncurrent loans | 342.4581% | 1,438 |
| Noncurrent assets plus other real estate owned to assets | 0.6534% | 3,451 |
| Noncurrent loans to loans | 0.3013% | 4,609 |
| Net loans and leases to total assets | 58.5589% | 4,032 |
| Net loans and leases to deposits | 70.4991% | 3,873 |
| Net loans and leases to core deposits | 110.2915% | 824 |
| Total domestic deposits to total assets | 83.0634% | 3,929 |
| Equity capital to assets | 7.1346% | 6,175 |
| Core capital (leverage) ratio | 7.0929% | 6,171 |
| Tier 1 risk-based capital ratio | 11.2245% | 5,611 |
| Total risk-based capital ratio | 12.1828% | 5,661 |
| Memoranda: | ||
| Average total assets | $98,525,330 | 4,576 |
| Average earning assets | $89,332,330 | 4,610 |
| Average equity | $7,397,670 | 5,281 |
| Average total loans | $56,144,000 | 4,579 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7523% | 4,192 |
| Cost of funding earning assets | 0.3576% | 3,777 |
| Net interest margin | 3.3948% | 3,864 |
| Noninterest income to average assets | 0.7501% | 1,918 |
| Noninterest expense to average assets | 3.7381% | 955 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.0943% | 5,888 |
| Return on assets (ROA) | 0.1844% | 5,793 |
| Pretax return on assets | 0.1762% | 5,857 |
| Return on Equity (ROE) | 2.3952% | 5,575 |
| Retained earnings to average equity (ytd only) | -4.7904% | 5,922 |
| Net charge-offs to loans | 0.0440% | 2,364 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 3.5000% | 2,598 |
| Efficiency ratio | 97.7492% | 440 |
| Assets per employee ($millions) | 3.1003% | 5,545 |
| Cash dividends to net income (ytd only)* | 300.0000% | 105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0356% | 4,843 |
| Loan loss allowance to noncurrent loans | 644.9438% | 798 |
| Noncurrent assets plus other real estate owned to assets | 0.0897% | 5,579 |
| Noncurrent loans to loans | 0.1606% | 5,198 |
| Net loans and leases to total assets | 55.2914% | 4,284 |
| Net loans and leases to deposits | 66.2760% | 4,122 |
| Net loans and leases to core deposits | 104.1446% | 1,059 |
| Total domestic deposits to total assets | 83.4259% | 4,035 |
| Equity capital to assets | 7.6132% | 6,148 |
| Core capital (leverage) ratio | 7.6094% | 6,110 |
| Tier 1 risk-based capital ratio | 12.1148% | 5,170 |
| Total risk-based capital ratio | 13.0552% | 5,264 |
| Memoranda: | ||
| Average total assets | $97,589,000 | 4,634 |
| Average earning assets | $88,371,500 | 4,668 |
| Average equity | $7,515,000 | 5,301 |
| Average total loans | $54,513,500 | 4,650 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8841% | 4,185 |
| Cost of funding earning assets | 0.3296% | 4,497 |
| Net interest margin | 3.5545% | 3,582 |
| Noninterest income to average assets | 0.8448% | 1,702 |
| Noninterest expense to average assets | 3.7066% | 1,135 |
| Loan and lease loss provision to assets | -0.0853% | 6,119 |
| Net operating income to assets | 0.3414% | 5,400 |
| Return on assets (ROA) | 0.4246% | 5,208 |
| Pretax return on assets | 0.5747% | 5,019 |
| Return on Equity (ROE) | 5.4306% | 4,441 |
| Retained earnings to average equity (ytd only) | 2.1833% | 4,687 |
| Net charge-offs to loans | -0.1992% | 6,264 |
| Credit loss provision to net charge-offs | 78.2178% | 2,902 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.7672% | 801 |
| Assets per employee ($millions) | 2.9082% | 5,820 |
| Cash dividends to net income (ytd only)* | 59.7964% | 1,750 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0821% | 4,632 |
| Loan loss allowance to noncurrent loans | 580.0000% | 944 |
| Noncurrent assets plus other real estate owned to assets | 0.1042% | 5,616 |
| Noncurrent loans to loans | 0.1866% | 5,162 |
| Net loans and leases to total assets | 55.2460% | 4,416 |
| Net loans and leases to deposits | 71.8648% | 3,697 |
| Net loans and leases to core deposits | 108.5232% | 856 |
| Total domestic deposits to total assets | 76.8748% | 5,618 |
| Equity capital to assets | 7.7911% | 6,146 |
| Core capital (leverage) ratio | 7.8559% | 6,075 |
| Tier 1 risk-based capital ratio | 12.6180% | 4,966 |
| Total risk-based capital ratio | 13.5959% | 5,042 |
| Memoranda: | ||
| Average total assets | $92,563,800 | 4,779 |
| Average earning assets | $84,344,200 | 4,778 |
| Average equity | $7,236,800 | 5,367 |
| Average total loans | $50,692,400 | 4,795 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8912% | 4,201 |
| Cost of funding earning assets | 0.3204% | 4,670 |
| Net interest margin | 3.5708% | 3,547 |
| Noninterest income to average assets | 0.8359% | 1,758 |
| Noninterest expense to average assets | 3.5254% | 1,421 |
| Loan and lease loss provision to assets | -0.0930% | 6,259 |
| Net operating income to assets | 0.4764% | 4,969 |
| Return on assets (ROA) | 0.5612% | 4,700 |
| Pretax return on assets | 0.7778% | 4,434 |
| Return on Equity (ROE) | 7.1711% | 3,622 |
| Retained earnings to average equity (ytd only) | 5.5919% | 2,675 |
| Net charge-offs to loans | -0.2295% | 6,335 |
| Credit loss provision to net charge-offs | 74.4186% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.1456% | 1,168 |
| Assets per employee ($millions) | 3.0802% | 5,631 |
| Cash dividends to net income (ytd only)* | 22.0208% | 3,133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1009% | 4,747 |
| Loan loss allowance to noncurrent loans | 1,812.5000% | 331 |
| Noncurrent assets plus other real estate owned to assets | 0.0335% | 6,035 |
| Noncurrent loans to loans | 0.0607% | 5,771 |
| Net loans and leases to total assets | 54.5651% | 4,509 |
| Net loans and leases to deposits | 67.1842% | 4,223 |
| Net loans and leases to core deposits | 98.8315% | 1,461 |
| Total domestic deposits to total assets | 81.2171% | 4,764 |
| Equity capital to assets | 7.9258% | 6,169 |
| Core capital (leverage) ratio | 8.0201% | 6,053 |
| Tier 1 risk-based capital ratio | 13.1869% | 4,740 |
| Total risk-based capital ratio | 14.1899% | 4,820 |
| Memoranda: | ||
| Average total assets | $91,712,500 | 4,851 |
| Average earning assets | $83,640,250 | 4,848 |
| Average equity | $7,176,750 | 5,428 |
| Average total loans | $49,965,750 | 4,867 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8281% | 4,419 |
| Cost of funding earning assets | 0.3077% | 4,896 |
| Net interest margin | 3.5204% | 3,698 |
| Noninterest income to average assets | 0.8336% | 1,723 |
| Noninterest expense to average assets | 3.4581% | 1,557 |
| Loan and lease loss provision to assets | -0.0752% | 6,342 |
| Net operating income to assets | 0.4778% | 4,903 |
| Return on assets (ROA) | 0.5749% | 4,589 |
| Pretax return on assets | 0.7982% | 4,271 |
| Return on Equity (ROE) | 7.3797% | 3,431 |
| Retained earnings to average equity (ytd only) | 4.9671% | 2,981 |
| Net charge-offs to loans | -0.2324% | 6,376 |
| Credit loss provision to net charge-offs | 59.6491% | 2,650 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.4645% | 1,325 |
| Assets per employee ($millions) | 2.9711% | 5,793 |
| Cash dividends to net income (ytd only)* | 32.6923% | 2,686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1617% | 4,606 |
| Loan loss allowance to noncurrent loans | 11,620.0000% | 65 |
| Noncurrent assets plus other real estate owned to assets | 0.0054% | 6,248 |
| Noncurrent loans to loans | 0.0100% | 6,060 |
| Net loans and leases to total assets | 53.6714% | 4,577 |
| Net loans and leases to deposits | 72.8224% | 3,471 |
| Net loans and leases to core deposits | 95.0087% | 1,685 |
| Total domestic deposits to total assets | 73.7018% | 6,136 |
| Equity capital to assets | 7.9171% | 6,197 |
| Core capital (leverage) ratio | 8.0732% | 6,040 |
| Tier 1 risk-based capital ratio | 13.1945% | 4,791 |
| Total risk-based capital ratio | 14.2375% | 4,859 |
| Memoranda: | ||
| Average total assets | $90,454,670 | 4,920 |
| Average earning assets | $82,547,330 | 4,920 |
| Average equity | $7,046,330 | 5,478 |
| Average total loans | $49,060,330 | 4,922 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7295% | 4,746 |
| Cost of funding earning assets | 0.3079% | 4,988 |
| Net interest margin | 3.4215% | 4,019 |
| Noninterest income to average assets | 0.8435% | 1,591 |
| Noninterest expense to average assets | 3.4408% | 1,608 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.3871% | 5,159 |
| Return on assets (ROA) | 0.4686% | 4,923 |
| Pretax return on assets | 0.6382% | 4,702 |
| Return on Equity (ROE) | 6.0663% | 3,990 |
| Retained earnings to average equity (ytd only) | 1.1555% | 5,143 |
| Net charge-offs to loans | -0.2141% | 6,405 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.7267% | 1,367 |
| Assets per employee ($millions) | 3.2366% | 5,474 |
| Cash dividends to net income (ytd only)* | 80.9524% | 950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2035% | 4,621 |
| Loan loss allowance to noncurrent loans | 14,600.0000% | 57 |
| Noncurrent assets plus other real estate owned to assets | 0.0044% | 6,325 |
| Noncurrent loans to loans | 0.0082% | 6,156 |
| Net loans and leases to total assets | 52.9020% | 4,552 |
| Net loans and leases to deposits | 70.7343% | 3,506 |
| Net loans and leases to core deposits | 92.4791% | 1,687 |
| Total domestic deposits to total assets | 74.7898% | 6,176 |
| Equity capital to assets | 7.8201% | 6,164 |
| Core capital (leverage) ratio | 8.0350% | 6,092 |
| Tier 1 risk-based capital ratio | 13.3456% | 4,800 |
| Total risk-based capital ratio | 14.4288% | 4,838 |
| Memoranda: | ||
| Average total assets | $89,629,500 | 4,980 |
| Average earning assets | $81,835,000 | 4,981 |
| Average equity | $6,923,500 | 5,537 |
| Average total loans | $48,583,000 | 4,984 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0697% | 3,848 |
| Cost of funding earning assets | 0.3331% | 5,298 |
| Net interest margin | 3.7366% | 2,912 |
| Noninterest income to average assets | 0.9802% | 1,440 |
| Noninterest expense to average assets | 3.7162% | 1,263 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.4758% | 4,834 |
| Return on assets (ROA) | 0.5580% | 4,588 |
| Pretax return on assets | 0.7781% | 4,231 |
| Return on Equity (ROE) | 6.9085% | 3,611 |
| Retained earnings to average equity (ytd only) | 5.9407% | 2,009 |
| Net charge-offs to loans | -0.1132% | 6,503 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.8435% | 1,535 |
| Assets per employee ($millions) | 3.0563% | 5,750 |
| Cash dividends to net income (ytd only)* | 14.0086% | 3,908 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1472% | 4,925 |
| Loan loss allowance to noncurrent loans | 1,641.1765% | 351 |
| Noncurrent assets plus other real estate owned to assets | 0.0384% | 6,265 |
| Noncurrent loans to loans | 0.0699% | 6,008 |
| Net loans and leases to total assets | 54.2473% | 4,554 |
| Net loans and leases to deposits | 71.3061% | 3,615 |
| Net loans and leases to core deposits | 92.9425% | 1,678 |
| Total domestic deposits to total assets | 76.0766% | 6,089 |
| Equity capital to assets | 7.6270% | 6,222 |
| Core capital (leverage) ratio | 8.0561% | 6,091 |
| Tier 1 risk-based capital ratio | 12.7732% | 5,131 |
| Total risk-based capital ratio | 13.8025% | 5,209 |
| Memoranda: | ||
| Average total assets | $83,149,600 | 5,158 |
| Average earning assets | $75,656,800 | 5,163 |
| Average equity | $6,716,400 | 5,639 |
| Average total loans | $46,806,800 | 5,077 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0935% | 3,789 |
| Cost of funding earning assets | 0.3392% | 5,388 |
| Net interest margin | 3.7543% | 2,829 |
| Noninterest income to average assets | 1.0157% | 1,409 |
| Noninterest expense to average assets | 3.7678% | 1,127 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.4742% | 4,915 |
| Return on assets (ROA) | 0.5364% | 4,785 |
| Pretax return on assets | 0.7451% | 4,506 |
| Return on Equity (ROE) | 6.5418% | 3,911 |
| Retained earnings to average equity (ytd only) | 5.2493% | 2,902 |
| Net charge-offs to loans | -0.0719% | 6,415 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.1197% | 1,456 |
| Assets per employee ($millions) | 2.8353% | 6,098 |
| Cash dividends to net income (ytd only)* | 19.7556% | 3,097 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1558% | 5,094 |
| Loan loss allowance to noncurrent loans | 1,892.8571% | 273 |
| Noncurrent assets plus other real estate owned to assets | 0.0329% | 6,381 |
| Noncurrent loans to loans | 0.0611% | 6,159 |
| Net loans and leases to total assets | 53.2860% | 4,710 |
| Net loans and leases to deposits | 65.4177% | 4,366 |
| Net loans and leases to core deposits | 84.9337% | 2,551 |
| Total domestic deposits to total assets | 81.4550% | 5,103 |
| Equity capital to assets | 7.8394% | 6,236 |
| Core capital (leverage) ratio | 7.9572% | 6,253 |
| Tier 1 risk-based capital ratio | 13.0139% | 5,110 |
| Total risk-based capital ratio | 14.0297% | 5,210 |
| Memoranda: | ||
| Average total assets | $81,778,750 | 5,246 |
| Average earning assets | $74,294,250 | 5,237 |
| Average equity | $6,705,500 | 5,714 |
| Average total loans | $46,348,750 | 5,144 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1333% | 3,615 |
| Cost of funding earning assets | 0.3390% | 5,494 |
| Net interest margin | 3.7943% | 2,575 |
| Noninterest income to average assets | 1.0411% | 1,406 |
| Noninterest expense to average assets | 3.8272% | 1,059 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.4730% | 4,913 |
| Return on assets (ROA) | 0.5676% | 4,635 |
| Pretax return on assets | 0.7858% | 4,362 |
| Return on Equity (ROE) | 6.8175% | 3,715 |
| Retained earnings to average equity (ytd only) | 4.8824% | 3,129 |
| Net charge-offs to loans | 0.0043% | 4,823 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 264.0000% | 193 |
| Efficiency ratio | 85.3982% | 1,472 |
| Assets per employee ($millions) | 2.6166% | 6,383 |
| Cash dividends to net income (ytd only)* | 28.3843% | 2,718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1015% | 5,439 |
| Loan loss allowance to noncurrent loans | 672.0000% | 668 |
| Noncurrent assets plus other real estate owned to assets | 0.0925% | 6,215 |
| Noncurrent loans to loans | 0.1639% | 5,915 |
| Net loans and leases to total assets | 55.7868% | 4,333 |
| Net loans and leases to deposits | 65.3883% | 4,333 |
| Net loans and leases to core deposits | 84.5105% | 2,489 |
| Total domestic deposits to total assets | 85.3161% | 3,735 |
| Equity capital to assets | 8.1118% | 6,119 |
| Core capital (leverage) ratio | 8.1020% | 6,107 |
| Tier 1 risk-based capital ratio | 13.3677% | 4,867 |
| Total risk-based capital ratio | 14.3748% | 4,992 |
| Memoranda: | ||
| Average total assets | $80,685,670 | 5,304 |
| Average earning assets | $73,161,670 | 5,299 |
| Average equity | $6,718,000 | 5,753 |
| Average total loans | $46,513,670 | 5,157 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1461% | 3,530 |
| Cost of funding earning assets | 0.3418% | 5,626 |
| Net interest margin | 3.8043% | 2,437 |
| Noninterest income to average assets | 0.9544% | 1,596 |
| Noninterest expense to average assets | 3.7778% | 1,143 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.4474% | 4,924 |
| Return on assets (ROA) | 0.4474% | 5,084 |
| Pretax return on assets | 0.6064% | 4,921 |
| Return on Equity (ROE) | 5.3043% | 4,400 |
| Retained earnings to average equity (ytd only) | 1.4734% | 5,252 |
| Net charge-offs to loans | -0.0171% | 5,648 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.1678% | 1,494 |
| Assets per employee ($millions) | 2.5361% | 6,546 |
| Cash dividends to net income (ytd only)* | 72.2222% | 1,038 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0708% | 5,710 |
| Loan loss allowance to noncurrent loans | 402.3810% | 1,025 |
| Noncurrent assets plus other real estate owned to assets | 0.1553% | 6,106 |
| Noncurrent loans to loans | 0.2661% | 5,743 |
| Net loans and leases to total assets | 57.7199% | 3,812 |
| Net loans and leases to deposits | 77.4504% | 2,425 |
| Net loans and leases to core deposits | 90.3797% | 1,667 |
| Total domestic deposits to total assets | 74.5250% | 6,503 |
| Equity capital to assets | 8.3779% | 6,123 |
| Core capital (leverage) ratio | 8.0788% | 6,072 |
| Tier 1 risk-based capital ratio | 12.9574% | 5,255 |
| Total risk-based capital ratio | 13.9602% | 5,372 |
| Memoranda: | ||
| Average total assets | $80,470,500 | 5,350 |
| Average earning assets | $72,549,500 | 5,369 |
| Average equity | $6,787,000 | 5,793 |
| Average total loans | $46,892,500 | 5,175 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1241% | 4,863 |
| Cost of funding earning assets | 0.4227% | 5,768 |
| Net interest margin | 3.7014% | 3,637 |
| Noninterest income to average assets | 0.8226% | 2,171 |
| Noninterest expense to average assets | 3.5233% | 1,771 |
| Loan and lease loss provision to assets | 0.6839% | 770 |
| Net operating income to assets | 0.0036% | 6,161 |
| Return on assets (ROA) | 0.0844% | 6,176 |
| Pretax return on assets | 0.0651% | 6,205 |
| Return on Equity (ROE) | 1.0186% | 6,128 |
| Retained earnings to average equity (ytd only) | 0.4366% | 5,639 |
| Net charge-offs to loans | 1.2710% | 769 |
| Credit loss provision to net charge-offs | 97.7586% | 3,175 |
| Earnings coverage of net charge-offs (x) | 0.9552% | 4,988 |
| Efficiency ratio | 84.0576% | 1,629 |
| Assets per employee ($millions) | 2.4933% | 6,619 |
| Cash dividends to net income (ytd only)* | 57.1429% | 1,944 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0875% | 5,603 |
| Loan loss allowance to noncurrent loans | 345.8904% | 1,141 |
| Noncurrent assets plus other real estate owned to assets | 0.2406% | 5,948 |
| Noncurrent loans to loans | 0.3144% | 5,699 |
| Net loans and leases to total assets | 57.5670% | 4,049 |
| Net loans and leases to deposits | 75.4501% | 2,889 |
| Net loans and leases to core deposits | 87.9854% | 2,086 |
| Total domestic deposits to total assets | 76.2981% | 6,323 |
| Equity capital to assets | 8.4914% | 6,062 |
| Core capital (leverage) ratio | 7.9228% | 6,264 |
| Tier 1 risk-based capital ratio | 13.0156% | 5,094 |
| Total risk-based capital ratio | 14.0227% | 5,212 |
| Memoranda: | ||
| Average total assets | $82,904,400 | 5,274 |
| Average earning assets | $75,458,800 | 5,261 |
| Average equity | $6,872,000 | 5,799 |
| Average total loans | $45,633,800 | 5,264 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0556% | 5,342 |
| Cost of funding earning assets | 0.4226% | 5,970 |
| Net interest margin | 3.6330% | 4,084 |
| Noninterest income to average assets | 0.8365% | 2,089 |
| Noninterest expense to average assets | 3.4223% | 1,950 |
| Loan and lease loss provision to assets | 0.0319% | 5,380 |
| Net operating income to assets | 0.5096% | 4,808 |
| Return on assets (ROA) | 0.5130% | 5,052 |
| Pretax return on assets | 0.7154% | 4,810 |
| Return on Equity (ROE) | 6.2254% | 4,217 |
| Retained earnings to average equity (ytd only) | 5.4521% | 3,065 |
| Net charge-offs to loans | -0.0352% | 6,616 |
| Credit loss provision to net charge-offs | -166.6667% | 6,302 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.1729% | 1,788 |
| Assets per employee ($millions) | 2.6082% | 6,593 |
| Cash dividends to net income (ytd only)* | 12.4220% | 3,348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1878% | 5,340 |
| Loan loss allowance to noncurrent loans | 73.9247% | 4,067 |
| Noncurrent assets plus other real estate owned to assets | 0.9477% | 4,390 |
| Noncurrent loans to loans | 1.6067% | 3,378 |
| Net loans and leases to total assets | 54.8220% | 4,616 |
| Net loans and leases to deposits | 73.0281% | 3,443 |
| Net loans and leases to core deposits | 84.7378% | 2,615 |
| Total domestic deposits to total assets | 75.0698% | 6,510 |
| Equity capital to assets | 8.5333% | 6,233 |
| Core capital (leverage) ratio | 8.2922% | 6,020 |
| Tier 1 risk-based capital ratio | 13.3625% | 4,980 |
| Total risk-based capital ratio | 14.4468% | 5,064 |
| Memoranda: | ||
| Average total assets | $83,683,750 | 5,304 |
| Average earning assets | $76,665,000 | 5,275 |
| Average equity | $6,896,250 | 5,857 |
| Average total loans | $45,433,250 | 5,328 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0306% | 5,554 |
| Cost of funding earning assets | 0.4247% | 6,130 |
| Net interest margin | 3.6059% | 4,233 |
| Noninterest income to average assets | 0.7928% | 2,223 |
| Noninterest expense to average assets | 3.3430% | 2,175 |
| Loan and lease loss provision to assets | 0.0358% | 5,228 |
| Net operating income to assets | 0.5178% | 4,731 |
| Return on assets (ROA) | 0.5229% | 4,980 |
| Pretax return on assets | 0.7259% | 4,752 |
| Return on Equity (ROE) | 6.4213% | 4,083 |
| Retained earnings to average equity (ytd only) | 5.2485% | 3,123 |
| Net charge-offs to loans | -0.0443% | 6,632 |
| Credit loss provision to net charge-offs | -150.0000% | 6,102 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5851% | 1,948 |
| Assets per employee ($millions) | 3.0110% | 6,043 |
| Cash dividends to net income (ytd only)* | 18.2648% | 3,043 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1801% | 5,446 |
| Loan loss allowance to noncurrent loans | 69.3487% | 4,227 |
| Noncurrent assets plus other real estate owned to assets | 0.8892% | 4,590 |
| Noncurrent loans to loans | 1.7017% | 3,342 |
| Net loans and leases to total assets | 48.7154% | 5,532 |
| Net loans and leases to deposits | 72.6978% | 3,500 |
| Net loans and leases to core deposits | 82.8327% | 2,851 |
| Total domestic deposits to total assets | 67.0109% | 7,026 |
| Equity capital to assets | 7.4363% | 6,815 |
| Core capital (leverage) ratio | 8.4288% | 5,747 |
| Tier 1 risk-based capital ratio | 13.3457% | 4,931 |
| Total risk-based capital ratio | 14.4314% | 5,027 |
| Memoranda: | ||
| Average total assets | $83,758,000 | 5,330 |
| Average earning assets | $76,762,330 | 5,305 |
| Average equity | $6,821,000 | 5,900 |
| Average total loans | $45,142,670 | 5,376 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2395% | 4,965 |
| Cost of funding earning assets | 0.4673% | 6,039 |
| Net interest margin | 3.7721% | 3,507 |
| Noninterest income to average assets | 0.7345% | 2,470 |
| Noninterest expense to average assets | 3.4040% | 1,999 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.5521% | 4,581 |
| Return on assets (ROA) | 0.5521% | 4,799 |
| Pretax return on assets | 0.7649% | 4,550 |
| Return on Equity (ROE) | 6.4488% | 4,067 |
| Retained earnings to average equity (ytd only) | 4.0822% | 4,142 |
| Net charge-offs to loans | -0.0626% | 6,621 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.6525% | 1,980 |
| Assets per employee ($millions) | 2.4279% | 6,897 |
| Cash dividends to net income (ytd only)* | 36.6972% | 1,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1873% | 5,554 |
| Loan loss allowance to noncurrent loans | 807.6923% | 470 |
| Noncurrent assets plus other real estate owned to assets | 0.1442% | 6,531 |
| Noncurrent loans to loans | 0.1470% | 6,392 |
| Net loans and leases to total assets | 56.2367% | 4,342 |
| Net loans and leases to deposits | 73.7057% | 3,158 |
| Net loans and leases to core deposits | 81.4678% | 2,901 |
| Total domestic deposits to total assets | 76.2990% | 6,510 |
| Equity capital to assets | 8.7408% | 5,822 |
| Core capital (leverage) ratio | 8.3414% | 5,820 |
| Tier 1 risk-based capital ratio | 13.6184% | 4,736 |
| Total risk-based capital ratio | 14.7074% | 4,849 |
| Memoranda: | ||
| Average total assets | $78,967,000 | 5,513 |
| Average earning assets | $71,896,000 | 5,499 |
| Average equity | $6,761,000 | 5,940 |
| Average total loans | $44,707,000 | 5,438 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3798% | 5,497 |
| Cost of funding earning assets | 0.6253% | 5,958 |
| Net interest margin | 3.7545% | 4,056 |
| Noninterest income to average assets | 0.7703% | 2,227 |
| Noninterest expense to average assets | 3.4956% | 1,992 |
| Loan and lease loss provision to assets | 0.1088% | 5,236 |
| Net operating income to assets | 0.4231% | 4,764 |
| Return on assets (ROA) | 0.4581% | 4,811 |
| Pretax return on assets | 0.6334% | 4,583 |
| Return on Equity (ROE) | 5.4792% | 4,146 |
| Retained earnings to average equity (ytd only) | 5.2496% | 2,484 |
| Net charge-offs to loans | 0.0136% | 6,242 |
| Credit loss provision to net charge-offs | 1,416.6667% | 156 |
| Earnings coverage of net charge-offs (x) | 90.3333% | 330 |
| Efficiency ratio | 83.4453% | 1,828 |
| Assets per employee ($millions) | 2.5884% | 6,737 |
| Cash dividends to net income (ytd only)* | 4.1899% | 3,999 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1461% | 5,643 |
| Loan loss allowance to noncurrent loans | 450.4348% | 755 |
| Noncurrent assets plus other real estate owned to assets | 0.1433% | 6,601 |
| Noncurrent loans to loans | 0.2544% | 6,221 |
| Net loans and leases to total assets | 55.6810% | 4,767 |
| Net loans and leases to deposits | 75.5568% | 3,248 |
| Net loans and leases to core deposits | 84.0858% | 2,882 |
| Total domestic deposits to total assets | 73.6942% | 6,750 |
| Equity capital to assets | 8.3885% | 6,260 |
| Core capital (leverage) ratio | 8.0609% | 6,193 |
| Tier 1 risk-based capital ratio | 13.1495% | 4,958 |
| Total risk-based capital ratio | 14.1981% | 5,094 |
| Memoranda: | ||
| Average total assets | $78,155,600 | 5,499 |
| Average earning assets | $71,167,000 | 5,502 |
| Average equity | $6,533,800 | 6,005 |
| Average total loans | $44,184,600 | 5,508 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3940% | 5,624 |
| Cost of funding earning assets | 0.6428% | 6,071 |
| Net interest margin | 3.7512% | 4,102 |
| Noninterest income to average assets | 0.7505% | 2,309 |
| Noninterest expense to average assets | 3.5138% | 1,910 |
| Loan and lease loss provision to assets | 0.1168% | 4,974 |
| Net operating income to assets | 0.3898% | 5,045 |
| Return on assets (ROA) | 0.4362% | 5,028 |
| Pretax return on assets | 0.6011% | 4,812 |
| Return on Equity (ROE) | 5.2226% | 4,437 |
| Retained earnings to average equity (ytd only) | 4.9142% | 3,234 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.3016% | 1,703 |
| Assets per employee ($millions) | 2.6654% | 6,705 |
| Cash dividends to net income (ytd only)* | 5.9056% | 3,382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1272% | 5,777 |
| Loan loss allowance to noncurrent loans | 289.7143% | 1,074 |
| Noncurrent assets plus other real estate owned to assets | 0.2118% | 6,532 |
| Noncurrent loans to loans | 0.3891% | 6,077 |
| Net loans and leases to total assets | 53.8208% | 5,189 |
| Net loans and leases to deposits | 71.8893% | 4,007 |
| Net loans and leases to core deposits | 82.0222% | 3,325 |
| Total domestic deposits to total assets | 74.8663% | 6,656 |
| Equity capital to assets | 8.0640% | 6,654 |
| Core capital (leverage) ratio | 8.2624% | 6,034 |
| Tier 1 risk-based capital ratio | 13.0643% | 5,049 |
| Total risk-based capital ratio | 14.1003% | 5,182 |
| Memoranda: | ||
| Average total assets | $77,634,250 | 5,559 |
| Average earning assets | $70,730,500 | 5,558 |
| Average equity | $6,484,500 | 6,062 |
| Average total loans | $43,931,500 | 5,565 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4653% | 5,465 |
| Cost of funding earning assets | 0.6636% | 6,152 |
| Net interest margin | 3.8017% | 3,775 |
| Noninterest income to average assets | 0.7292% | 2,378 |
| Noninterest expense to average assets | 3.5198% | 1,935 |
| Loan and lease loss provision to assets | 0.1395% | 4,561 |
| Net operating income to assets | 0.3815% | 5,035 |
| Return on assets (ROA) | 0.4449% | 4,885 |
| Pretax return on assets | 0.6108% | 4,714 |
| Return on Equity (ROE) | 5.2607% | 4,329 |
| Retained earnings to average equity (ytd only) | 4.7938% | 3,131 |
| Net charge-offs to loans | -0.0092% | 6,670 |
| Credit loss provision to net charge-offs | -2,650.0000% | 6,710 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.1410% | 1,799 |
| Assets per employee ($millions) | 2.3310% | 7,090 |
| Cash dividends to net income (ytd only)* | 8.8757% | 3,153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0961% | 5,974 |
| Loan loss allowance to noncurrent loans | 260.0000% | 1,192 |
| Noncurrent assets plus other real estate owned to assets | 0.2748% | 6,441 |
| Noncurrent loans to loans | 0.4216% | 6,060 |
| Net loans and leases to total assets | 59.7579% | 4,319 |
| Net loans and leases to deposits | 76.1454% | 3,439 |
| Net loans and leases to core deposits | 86.9584% | 2,768 |
| Total domestic deposits to total assets | 78.4786% | 6,195 |
| Equity capital to assets | 8.7343% | 5,893 |
| Core capital (leverage) ratio | 8.3325% | 5,819 |
| Tier 1 risk-based capital ratio | 13.0905% | 4,842 |
| Total risk-based capital ratio | 14.1158% | 5,002 |
| Memoranda: | ||
| Average total assets | $75,970,330 | 5,655 |
| Average earning assets | $69,021,000 | 5,658 |
| Average equity | $6,425,000 | 6,111 |
| Average total loans | $43,583,000 | 5,629 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3668% | 5,802 |
| Cost of funding earning assets | 0.6714% | 6,291 |
| Net interest margin | 3.6954% | 4,136 |
| Noninterest income to average assets | 0.7931% | 2,058 |
| Noninterest expense to average assets | 3.5220% | 1,947 |
| Loan and lease loss provision to assets | 0.0939% | 4,840 |
| Net operating income to assets | 0.3966% | 4,963 |
| Return on assets (ROA) | 0.3966% | 5,058 |
| Pretax return on assets | 0.5374% | 4,905 |
| Return on Equity (ROE) | 4.7649% | 4,521 |
| Retained earnings to average equity (ytd only) | 4.7649% | 3,328 |
| Net charge-offs to loans | -0.1307% | 7,162 |
| Credit loss provision to net charge-offs | -128.5714% | 5,752 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.7990% | 1,871 |
| Assets per employee ($millions) | 2.4161% | 7,088 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0733% | 6,147 |
| Loan loss allowance to noncurrent loans | 461.7647% | 686 |
| Noncurrent assets plus other real estate owned to assets | 0.1927% | 6,673 |
| Noncurrent loans to loans | 0.2324% | 6,520 |
| Net loans and leases to total assets | 56.1508% | 4,969 |
| Net loans and leases to deposits | 77.3409% | 3,182 |
| Net loans and leases to core deposits | 86.2036% | 2,838 |
| Total domestic deposits to total assets | 72.6017% | 7,030 |
| Equity capital to assets | 8.3024% | 6,159 |
| Core capital (leverage) ratio | 8.3656% | 5,694 |
| Tier 1 risk-based capital ratio | 12.8475% | 4,945 |
| Total risk-based capital ratio | 13.8190% | 5,175 |
| Memoranda: | ||
| Average total assets | $76,660,000 | 5,679 |
| Average earning assets | $69,708,500 | 5,683 |
| Average equity | $6,380,000 | 6,134 |
| Average total loans | $42,840,500 | 5,712 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5173% | 6,351 |
| Cost of funding earning assets | 1.0253% | 5,558 |
| Net interest margin | 3.4920% | 5,275 |
| Noninterest income to average assets | 0.7711% | 2,421 |
| Noninterest expense to average assets | 3.6192% | 1,880 |
| Loan and lease loss provision to assets | 0.1507% | 5,691 |
| Net operating income to assets | 0.1405% | 5,471 |
| Return on assets (ROA) | 0.2415% | 5,284 |
| Pretax return on assets | 0.2721% | 5,307 |
| Return on Equity (ROE) | 2.8708% | 5,007 |
| Retained earnings to average equity (ytd only) | 2.8708% | 3,845 |
| Net charge-offs to loans | 0.1487% | 5,462 |
| Credit loss provision to net charge-offs | 194.8276% | 1,630 |
| Earnings coverage of net charge-offs (x) | 4.0000% | 3,108 |
| Efficiency ratio | 92.1222% | 1,175 |
| Assets per employee ($millions) | 2.3032% | 7,220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0503% | 6,143 |
| Loan loss allowance to noncurrent loans | 243.8889% | 1,262 |
| Noncurrent assets plus other real estate owned to assets | 0.2987% | 6,493 |
| Noncurrent loans to loans | 0.4307% | 6,184 |
| Net loans and leases to total assets | 54.4148% | 5,583 |
| Net loans and leases to deposits | 75.0653% | 4,010 |
| Net loans and leases to core deposits | 81.3733% | 3,995 |
| Total domestic deposits to total assets | 72.4900% | 7,040 |
| Equity capital to assets | 8.3429% | 6,090 |
| Core capital (leverage) ratio | 8.0251% | 6,161 |
| Tier 1 risk-based capital ratio | 12.7936% | 4,778 |
| Total risk-based capital ratio | 13.7269% | 5,027 |
| Memoranda: | ||
| Average total assets | $74,962,200 | 5,741 |
| Average earning assets | $67,784,400 | 5,745 |
| Average equity | $6,304,800 | 6,272 |
| Average total loans | $39,000,400 | 5,966 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5333% | 6,517 |
| Cost of funding earning assets | 1.0948% | 5,446 |
| Net interest margin | 3.4385% | 5,539 |
| Noninterest income to average assets | 0.7782% | 2,333 |
| Noninterest expense to average assets | 3.6357% | 1,705 |
| Loan and lease loss provision to assets | 0.1481% | 5,557 |
| Net operating income to assets | 0.0934% | 5,794 |
| Return on assets (ROA) | 0.2142% | 5,631 |
| Pretax return on assets | 0.2285% | 5,666 |
| Return on Equity (ROE) | 2.5414% | 5,416 |
| Retained earnings to average equity (ytd only) | 2.5414% | 4,639 |
| Net charge-offs to loans | 0.1253% | 5,299 |
| Credit loss provision to net charge-offs | 230.5556% | 1,487 |
| Earnings coverage of net charge-offs (x) | 3.8610% | 3,273 |
| Efficiency ratio | 93.6121% | 1,023 |
| Assets per employee ($millions) | 2.3369% | 7,270 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0647% | 6,096 |
| Loan loss allowance to noncurrent loans | 362.1849% | 819 |
| Noncurrent assets plus other real estate owned to assets | 0.2955% | 6,633 |
| Noncurrent loans to loans | 0.2940% | 6,597 |
| Net loans and leases to total assets | 53.5577% | 5,908 |
| Net loans and leases to deposits | 70.2107% | 5,118 |
| Net loans and leases to core deposits | 76.1701% | 5,036 |
| Total domestic deposits to total assets | 76.2814% | 6,605 |
| Equity capital to assets | 8.5650% | 6,199 |
| Core capital (leverage) ratio | 7.6726% | 6,704 |
| Tier 1 risk-based capital ratio | 13.0138% | 4,569 |
| Total risk-based capital ratio | 13.9553% | 4,791 |
| Memoranda: | ||
| Average total assets | $74,701,500 | 5,816 |
| Average earning assets | $67,469,500 | 5,818 |
| Average equity | $6,295,750 | 6,355 |
| Average total loans | $38,301,250 | 6,078 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5194% | 6,661 |
| Cost of funding earning assets | 1.1039% | 5,648 |
| Net interest margin | 3.4155% | 5,575 |
| Noninterest income to average assets | 0.6830% | 2,800 |
| Noninterest expense to average assets | 3.5809% | 1,827 |
| Loan and lease loss provision to assets | 0.1286% | 5,593 |
| Net operating income to assets | 0.0535% | 5,982 |
| Return on assets (ROA) | 0.2196% | 5,627 |
| Pretax return on assets | 0.2330% | 5,695 |
| Return on Equity (ROE) | 2.6201% | 5,407 |
| Retained earnings to average equity (ytd only) | 2.6201% | 4,474 |
| Net charge-offs to loans | 0.1437% | 4,792 |
| Credit loss provision to net charge-offs | 177.7778% | 2,203 |
| Earnings coverage of net charge-offs (x) | 2.5556% | 3,724 |
| Efficiency ratio | 95.0925% | 1,006 |
| Assets per employee ($millions) | 2.3107% | 7,340 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0541% | 6,165 |
| Loan loss allowance to noncurrent loans | 352.1739% | 839 |
| Noncurrent assets plus other real estate owned to assets | 0.2846% | 6,707 |
| Noncurrent loans to loans | 0.2993% | 6,630 |
| Net loans and leases to total assets | 49.8538% | 6,448 |
| Net loans and leases to deposits | 67.6556% | 5,595 |
| Net loans and leases to core deposits | 73.0117% | 5,552 |
| Total domestic deposits to total assets | 73.6876% | 7,014 |
| Equity capital to assets | 8.3249% | 6,393 |
| Core capital (leverage) ratio | 7.6329% | 6,694 |
| Tier 1 risk-based capital ratio | 13.1568% | 4,319 |
| Total risk-based capital ratio | 14.0571% | 4,563 |
| Memoranda: | ||
| Average total assets | $74,675,000 | 5,852 |
| Average earning assets | $67,398,670 | 5,847 |
| Average equity | $6,259,330 | 6,390 |
| Average total loans | $37,574,330 | 6,158 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4883% | 6,812 |
| Cost of funding earning assets | 1.0981% | 5,921 |
| Net interest margin | 3.3902% | 5,620 |
| Noninterest income to average assets | 0.7688% | 2,183 |
| Noninterest expense to average assets | 3.7896% | 1,346 |
| Loan and lease loss provision to assets | 0.0704% | 5,935 |
| Net operating income to assets | -0.0054% | 6,298 |
| Return on assets (ROA) | 0.1516% | 5,981 |
| Pretax return on assets | 0.1245% | 6,076 |
| Return on Equity (ROE) | 1.8021% | 5,836 |
| Retained earnings to average equity (ytd only) | 1.8021% | 5,035 |
| Net charge-offs to loans | 0.0969% | 4,451 |
| Credit loss provision to net charge-offs | 144.4444% | 2,463 |
| Earnings coverage of net charge-offs (x) | 0.7778% | 4,339 |
| Efficiency ratio | 99.0099% | 880 |
| Assets per employee ($millions) | 2.4594% | 7,260 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0470% | 6,246 |
| Loan loss allowance to noncurrent loans | 340.3509% | 906 |
| Noncurrent assets plus other real estate owned to assets | 0.2277% | 6,888 |
| Noncurrent loans to loans | 0.3076% | 6,708 |
| Net loans and leases to total assets | 49.6998% | 6,498 |
| Net loans and leases to deposits | 67.4825% | 5,652 |
| Net loans and leases to core deposits | 73.2199% | 5,589 |
| Total domestic deposits to total assets | 73.6484% | 7,092 |
| Equity capital to assets | 8.4098% | 6,152 |
| Core capital (leverage) ratio | 7.9040% | 6,377 |
| Tier 1 risk-based capital ratio | 13.6348% | 3,906 |
| Total risk-based capital ratio | 14.5368% | 4,080 |
| Memoranda: | ||
| Average total assets | $73,886,000 | 5,942 |
| Average earning assets | $66,662,000 | 5,944 |
| Average equity | $6,215,000 | 6,445 |
| Average total loans | $37,151,500 | 6,258 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8096% | 6,931 |
| Cost of funding earning assets | 1.4375% | 5,776 |
| Net interest margin | 3.3721% | 5,487 |
| Noninterest income to average assets | 0.6809% | 3,081 |
| Noninterest expense to average assets | 3.8545% | 1,585 |
| Loan and lease loss provision to assets | 0.2502% | 5,396 |
| Net operating income to assets | -0.1688% | 5,796 |
| Return on assets (ROA) | 0.0342% | 5,434 |
| Pretax return on assets | -0.0273% | 5,490 |
| Return on Equity (ROE) | 0.4051% | 5,412 |
| Retained earnings to average equity (ytd only) | 0.4051% | 4,680 |
| Net charge-offs to loans | 0.4481% | 3,989 |
| Credit loss provision to net charge-offs | 110.9091% | 4,956 |
| Earnings coverage of net charge-offs (x) | -0.4182% | 6,645 |
| Efficiency ratio | 102.5091% | 996 |
| Assets per employee ($millions) | 2.4663% | 7,255 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0310% | 6,212 |
| Loan loss allowance to noncurrent loans | 235.5828% | 1,272 |
| Noncurrent assets plus other real estate owned to assets | 0.2203% | 6,912 |
| Noncurrent loans to loans | 0.4376% | 6,394 |
| Net loans and leases to total assets | 49.8196% | 6,662 |
| Net loans and leases to deposits | 67.1152% | 5,930 |
| Net loans and leases to core deposits | 79.1943% | 6,168 |
| Total domestic deposits to total assets | 74.2300% | 6,988 |
| Equity capital to assets | 8.4134% | 6,038 |
| Core capital (leverage) ratio | 7.9422% | 6,272 |
| Tier 1 risk-based capital ratio | 13.1496% | 4,044 |
| Total risk-based capital ratio | 14.0135% | 4,255 |
| Memoranda: | ||
| Average total assets | $73,135,400 | 5,909 |
| Average earning assets | $66,783,400 | 5,903 |
| Average equity | $6,171,600 | 6,542 |
| Average total loans | $36,824,200 | 6,258 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8645% | 6,972 |
| Cost of funding earning assets | 1.4972% | 5,832 |
| Net interest margin | 3.3673% | 5,387 |
| Noninterest income to average assets | 0.6070% | 3,642 |
| Noninterest expense to average assets | 3.8762% | 1,466 |
| Loan and lease loss provision to assets | 0.3017% | 4,562 |
| Net operating income to assets | -0.2643% | 6,156 |
| Return on assets (ROA) | -0.0841% | 5,902 |
| Pretax return on assets | -0.2011% | 5,981 |
| Return on Equity (ROE) | -0.9959% | 5,928 |
| Retained earnings to average equity (ytd only) | -0.9959% | 5,486 |
| Net charge-offs to loans | 0.4902% | 3,265 |
| Credit loss provision to net charge-offs | 122.2222% | 4,147 |
| Earnings coverage of net charge-offs (x) | -0.7333% | 6,574 |
| Efficiency ratio | 104.8986% | 885 |
| Assets per employee ($millions) | 2.4069% | 7,372 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1062% | 5,683 |
| Loan loss allowance to noncurrent loans | 373.5849% | 830 |
| Noncurrent assets plus other real estate owned to assets | 0.1468% | 7,173 |
| Noncurrent loans to loans | 0.2961% | 6,768 |
| Net loans and leases to total assets | 49.0292% | 6,865 |
| Net loans and leases to deposits | 62.6225% | 6,622 |
| Net loans and leases to core deposits | 72.6767% | 6,799 |
| Total domestic deposits to total assets | 78.2933% | 6,002 |
| Equity capital to assets | 8.6195% | 6,085 |
| Core capital (leverage) ratio | 7.8405% | 6,567 |
| Tier 1 risk-based capital ratio | 13.6844% | 3,726 |
| Total risk-based capital ratio | 14.6229% | 3,889 |
| Memoranda: | ||
| Average total assets | $72,922,000 | 5,956 |
| Average earning assets | $66,876,750 | 5,939 |
| Average equity | $6,158,250 | 6,609 |
| Average total loans | $36,719,000 | 6,305 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9069% | 7,016 |
| Cost of funding earning assets | 1.5353% | 5,996 |
| Net interest margin | 3.3716% | 5,281 |
| Noninterest income to average assets | 0.4511% | 4,838 |
| Noninterest expense to average assets | 3.9010% | 1,482 |
| Loan and lease loss provision to assets | 0.4237% | 3,425 |
| Net operating income to assets | -0.4581% | 6,504 |
| Return on assets (ROA) | -0.1886% | 6,197 |
| Pretax return on assets | -0.3609% | 6,290 |
| Return on Equity (ROE) | -2.2489% | 6,260 |
| Retained earnings to average equity (ytd only) | -2.2489% | 5,800 |
| Net charge-offs to loans | 0.5780% | 2,596 |
| Credit loss provision to net charge-offs | 144.8598% | 3,197 |
| Earnings coverage of net charge-offs (x) | -1.2243% | 6,274 |
| Efficiency ratio | 110.1080% | 845 |
| Assets per employee ($millions) | 2.4390% | 7,365 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1188% | 5,466 |
| Loan loss allowance to noncurrent loans | 347.8992% | 907 |
| Noncurrent assets plus other real estate owned to assets | 0.1574% | 7,167 |
| Noncurrent loans to loans | 0.3216% | 6,707 |
| Net loans and leases to total assets | 48.3944% | 7,004 |
| Net loans and leases to deposits | 65.6247% | 6,425 |
| Net loans and leases to core deposits | 75.9969% | 6,674 |
| Total domestic deposits to total assets | 73.7442% | 6,986 |
| Equity capital to assets | 8.0016% | 6,751 |
| Core capital (leverage) ratio | 7.9064% | 6,480 |
| Tier 1 risk-based capital ratio | 13.2701% | 3,957 |
| Total risk-based capital ratio | 14.2380% | 4,078 |
| Memoranda: | ||
| Average total assets | $73,160,000 | 6,000 |
| Average earning assets | $67,089,670 | 5,975 |
| Average equity | $6,136,330 | 6,672 |
| Average total loans | $37,025,670 | 6,343 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1245% | 6,575 |
| Cost of funding earning assets | 1.7305% | 5,470 |
| Net interest margin | 3.3940% | 5,164 |
| Noninterest income to average assets | 0.7284% | 2,714 |
| Noninterest expense to average assets | 3.7645% | 1,538 |
| Loan and lease loss provision to assets | 0.7785% | 1,648 |
| Net operating income to assets | -0.4182% | 6,798 |
| Return on assets (ROA) | -0.3114% | 6,771 |
| Pretax return on assets | -0.5505% | 6,859 |
| Return on Equity (ROE) | -3.6249% | 6,851 |
| Retained earnings to average equity (ytd only) | -3.6249% | 6,376 |
| Net charge-offs to loans | 0.7452% | 1,698 |
| Credit loss provision to net charge-offs | 202.8986% | 2,188 |
| Earnings coverage of net charge-offs (x) | 0.1594% | 4,853 |
| Efficiency ratio | 98.4012% | 1,198 |
| Assets per employee ($millions) | 2.2775% | 7,621 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1753% | 4,961 |
| Loan loss allowance to noncurrent loans | 263.2530% | 1,280 |
| Noncurrent assets plus other real estate owned to assets | 0.2278% | 6,845 |
| Noncurrent loans to loans | 0.4464% | 6,306 |
| Net loans and leases to total assets | 50.4199% | 6,821 |
| Net loans and leases to deposits | 64.1370% | 6,552 |
| Net loans and leases to core deposits | 81.1905% | 6,298 |
| Total domestic deposits to total assets | 78.6128% | 5,840 |
| Equity capital to assets | 8.4385% | 6,166 |
| Core capital (leverage) ratio | 7.8686% | 6,665 |
| Tier 1 risk-based capital ratio | 13.4137% | 3,922 |
| Total risk-based capital ratio | 14.4440% | 3,975 |
| Memoranda: | ||
| Average total assets | $71,935,000 | 6,068 |
| Average earning assets | $65,645,500 | 6,049 |
| Average equity | $6,179,500 | 6,696 |
| Average total loans | $37,036,000 | 6,378 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7230% | 6,702 |
| Cost of funding earning assets | 2.2443% | 5,396 |
| Net interest margin | 3.4786% | 5,368 |
| Noninterest income to average assets | 0.8503% | 2,225 |
| Noninterest expense to average assets | 3.9409% | 1,501 |
| Loan and lease loss provision to assets | 0.1172% | 5,874 |
| Net operating income to assets | -0.0339% | 6,415 |
| Return on assets (ROA) | 0.1822% | 5,739 |
| Pretax return on assets | 0.1413% | 5,858 |
| Return on Equity (ROE) | 2.1813% | 5,551 |
| Retained earnings to average equity (ytd only) | 2.1813% | 3,863 |
| Net charge-offs to loans | 0.1076% | 5,211 |
| Credit loss provision to net charge-offs | 207.5000% | 2,335 |
| Earnings coverage of net charge-offs (x) | 0.7500% | 5,773 |
| Efficiency ratio | 98.9362% | 1,023 |
| Assets per employee ($millions) | 2.1512% | 7,768 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9922% | 6,128 |
| Loan loss allowance to noncurrent loans | 326.7857% | 1,243 |
| Noncurrent assets plus other real estate owned to assets | 0.1578% | 6,942 |
| Noncurrent loans to loans | 0.3036% | 6,468 |
| Net loans and leases to total assets | 51.4481% | 6,897 |
| Net loans and leases to deposits | 64.6036% | 6,742 |
| Net loans and leases to core deposits | 72.0204% | 7,079 |
| Total domestic deposits to total assets | 79.6366% | 5,153 |
| Equity capital to assets | 8.7463% | 5,739 |
| Core capital (leverage) ratio | 7.9182% | 6,623 |
| Tier 1 risk-based capital ratio | 13.7620% | 3,665 |
| Total risk-based capital ratio | 14.6389% | 3,783 |
| Memoranda: | ||
| Average total assets | $70,796,400 | 6,007 |
| Average earning assets | $63,760,600 | 6,027 |
| Average equity | $5,914,000 | 6,840 |
| Average total loans | $37,177,400 | 6,305 |