Home > State Bank of Arcadia > Performance and Condition Ratios
State Bank of Arcadia, 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 | 2.6493% | 4,456 |
| Cost of funding earning assets | 0.3947% | 1,732 |
| Net interest margin | 2.2546% | 4,525 |
| Noninterest income to average assets | 0.1427% | 4,485 |
| Noninterest expense to average assets | 1.4857% | 4,606 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.7755% | 3,584 |
| Return on assets (ROA) | 0.7755% | 3,650 |
| Pretax return on assets | 0.7869% | 3,915 |
| Return on Equity (ROE) | 7.4989% | 3,531 |
| Retained earnings to average equity (ytd only) | -14.0289% | 4,866 |
| Net charge-offs to loans | 0.0135% | 1,823 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 137.8889% | 712 |
| Efficiency ratio | 65.3739% | 2,189 |
| Assets per employee ($millions) | 7.5230% | 1,554 |
| Cash dividends to net income (ytd only)* | 287.0809% | 17 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2744% | 2,617 |
| Loan loss allowance to noncurrent loans | 382.8179% | 1,659 |
| Noncurrent assets plus other real estate owned to assets | 0.1381% | 3,190 |
| Noncurrent loans to loans | 0.3329% | 2,588 |
| Net loans and leases to total assets | 40.9685% | 4,149 |
| Net loans and leases to deposits | 45.2142% | 4,269 |
| Net loans and leases to core deposits | 45.9974% | 4,325 |
| Total domestic deposits to total assets | 90.6098% | 505 |
| Equity capital to assets | 9.2782% | 3,584 |
| Core capital (leverage) ratio | 8.1931% | 4,301 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.1852% | 524 |
| Memoranda: | ||
| Average total assets | $210,260,000 | 3,017 |
| Average earning assets | $198,639,250 | 2,997 |
| Average equity | $21,745,000 | 3,116 |
| Average total loans | $88,747,250 | 3,400 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6637% | 4,494 |
| Cost of funding earning assets | 0.4021% | 1,867 |
| Net interest margin | 2.2616% | 4,552 |
| Noninterest income to average assets | 0.0933% | 4,713 |
| Noninterest expense to average assets | 1.4439% | 4,682 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.8052% | 3,498 |
| Return on assets (ROA) | 0.8052% | 3,571 |
| Pretax return on assets | 0.7748% | 3,915 |
| Return on Equity (ROE) | 7.5271% | 3,523 |
| Retained earnings to average equity (ytd only) | 7.5271% | 2,239 |
| Net charge-offs to loans | 0.0067% | 1,892 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 271.3333% | 400 |
| Efficiency ratio | 65.0794% | 2,289 |
| Assets per employee ($millions) | 7.3266% | 1,583 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2830% | 2,522 |
| Loan loss allowance to noncurrent loans | 384.8797% | 1,573 |
| Noncurrent assets plus other real estate owned to assets | 0.1370% | 3,330 |
| Noncurrent loans to loans | 0.3334% | 2,717 |
| Net loans and leases to total assets | 40.5575% | 4,268 |
| Net loans and leases to deposits | 45.5258% | 4,325 |
| Net loans and leases to core deposits | 46.3176% | 4,385 |
| Total domestic deposits to total assets | 89.0870% | 1,236 |
| Equity capital to assets | 10.7003% | 2,227 |
| Core capital (leverage) ratio | 9.7642% | 2,639 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.3041% | 327 |
| Memoranda: | ||
| Average total assets | $210,131,667 | 3,012 |
| Average earning assets | $197,469,667 | 3,003 |
| Average equity | $22,478,667 | 3,051 |
| Average total loans | $89,192,333 | 3,414 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7871% | 4,387 |
| Cost of funding earning assets | 0.4175% | 1,952 |
| Net interest margin | 2.3697% | 4,448 |
| Noninterest income to average assets | 0.0938% | 4,715 |
| Noninterest expense to average assets | 1.4529% | 4,695 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.8576% | 3,245 |
| Return on assets (ROA) | 0.8576% | 3,329 |
| Pretax return on assets | 0.8576% | 3,700 |
| Return on Equity (ROE) | 8.0177% | 3,310 |
| Retained earnings to average equity (ytd only) | 8.0177% | 2,226 |
| Net charge-offs to loans | 0.0044% | 1,758 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 448.0000% | 210 |
| Efficiency ratio | 62.8832% | 2,621 |
| Assets per employee ($millions) | 7.2591% | 1,607 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2471% | 2,679 |
| Loan loss allowance to noncurrent loans | 260.9302% | 1,941 |
| Noncurrent assets plus other real estate owned to assets | 0.2043% | 3,131 |
| Noncurrent loans to loans | 0.4779% | 2,414 |
| Net loans and leases to total assets | 42.2046% | 4,219 |
| Net loans and leases to deposits | 47.3111% | 4,293 |
| Net loans and leases to core deposits | 48.1373% | 4,369 |
| Total domestic deposits to total assets | 89.2065% | 1,234 |
| Equity capital to assets | 10.6078% | 2,164 |
| Core capital (leverage) ratio | 9.7683% | 2,754 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.5714% | 376 |
| Memoranda: | ||
| Average total assets | $208,962,000 | 3,013 |
| Average earning assets | $195,469,500 | 3,015 |
| Average equity | $22,350,500 | 3,055 |
| Average total loans | $90,142,000 | 3,408 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9274% | 4,690 |
| Cost of funding earning assets | 0.5788% | 2,453 |
| Net interest margin | 2.3486% | 4,691 |
| Noninterest income to average assets | 0.1132% | 4,699 |
| Noninterest expense to average assets | 1.5067% | 4,777 |
| Loan and lease loss provision to assets | 0.0125% | 4,215 |
| Net operating income to assets | 0.7930% | 3,121 |
| Return on assets (ROA) | 0.7935% | 3,233 |
| Pretax return on assets | 0.7878% | 3,658 |
| Return on Equity (ROE) | 6.7365% | 3,306 |
| Retained earnings to average equity (ytd only) | 0.4252% | 4,387 |
| Net charge-offs to loans | -0.0086% | 4,229 |
| Credit loss provision to net charge-offs | -300.0000% | 3,851 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3246% | 2,631 |
| Assets per employee ($millions) | 6.9136% | 1,632 |
| Cash dividends to net income (ytd only)* | 93.6884% | 357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2434% | 2,730 |
| Loan loss allowance to noncurrent loans | 180.2568% | 2,521 |
| Noncurrent assets plus other real estate owned to assets | 0.3004% | 2,798 |
| Noncurrent loans to loans | 0.6898% | 1,964 |
| Net loans and leases to total assets | 43.0030% | 4,300 |
| Net loans and leases to deposits | 48.2886% | 4,384 |
| Net loans and leases to core deposits | 49.0077% | 4,456 |
| Total domestic deposits to total assets | 89.0540% | 963 |
| Equity capital to assets | 10.7855% | 2,447 |
| Core capital (leverage) ratio | 9.8215% | 2,771 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.5923% | 366 |
| Memoranda: | ||
| Average total assets | $191,673,800 | 3,016 |
| Average earning assets | $179,000,000 | 3,008 |
| Average equity | $22,578,400 | 2,971 |
| Average total loans | $92,691,200 | 3,361 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0596% | 4,692 |
| Cost of funding earning assets | 0.6183% | 2,501 |
| Net interest margin | 2.4413% | 4,693 |
| Noninterest income to average assets | 0.1200% | 4,685 |
| Noninterest expense to average assets | 1.5532% | 4,765 |
| Loan and lease loss provision to assets | 0.0176% | 4,112 |
| Net operating income to assets | 0.8551% | 2,886 |
| Return on assets (ROA) | 0.8558% | 3,013 |
| Pretax return on assets | 0.8380% | 3,549 |
| Return on Equity (ROE) | 7.0994% | 3,157 |
| Retained earnings to average equity (ytd only) | 5.3319% | 2,412 |
| Net charge-offs to loans | -0.0129% | 4,289 |
| Credit loss provision to net charge-offs | -277.7778% | 3,691 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4942% | 2,660 |
| Assets per employee ($millions) | 6.2785% | 2,019 |
| Cash dividends to net income (ytd only)* | 24.8963% | 2,586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2125% | 2,596 |
| Loan loss allowance to noncurrent loans | 167.9104% | 2,493 |
| Noncurrent assets plus other real estate owned to assets | 0.3442% | 2,766 |
| Noncurrent loans to loans | 0.7221% | 1,995 |
| Net loans and leases to total assets | 47.0910% | 4,263 |
| Net loans and leases to deposits | 53.6135% | 4,353 |
| Net loans and leases to core deposits | 54.4726% | 4,433 |
| Total domestic deposits to total assets | 87.8341% | 1,293 |
| Equity capital to assets | 11.9234% | 1,728 |
| Core capital (leverage) ratio | 10.5199% | 2,246 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.2572% | 358 |
| Memoranda: | ||
| Average total assets | $187,740,000 | 3,032 |
| Average earning assets | $175,966,750 | 3,018 |
| Average equity | $22,630,500 | 2,968 |
| Average total loans | $93,285,250 | 3,360 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1971% | 4,720 |
| Cost of funding earning assets | 0.6718% | 2,544 |
| Net interest margin | 2.5253% | 4,716 |
| Noninterest income to average assets | 0.1240% | 4,683 |
| Noninterest expense to average assets | 1.5509% | 4,816 |
| Loan and lease loss provision to assets | 0.0259% | 3,934 |
| Net operating income to assets | 0.8779% | 2,781 |
| Return on assets (ROA) | 0.8790% | 2,891 |
| Pretax return on assets | 0.9038% | 3,304 |
| Return on Equity (ROE) | 7.2644% | 3,025 |
| Retained earnings to average equity (ytd only) | 4.5904% | 2,662 |
| Net charge-offs to loans | 0.0043% | 2,826 |
| Credit loss provision to net charge-offs | 1,200.0000% | 698 |
| Earnings coverage of net charge-offs (x) | 430.5000% | 230 |
| Efficiency ratio | 62.5489% | 3,039 |
| Assets per employee ($millions) | 6.1686% | 2,048 |
| Cash dividends to net income (ytd only)* | 36.8098% | 2,065 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1947% | 2,547 |
| Loan loss allowance to noncurrent loans | 97.0357% | 3,249 |
| Noncurrent assets plus other real estate owned to assets | 0.5811% | 2,069 |
| Noncurrent loans to loans | 1.2311% | 1,269 |
| Net loans and leases to total assets | 46.6334% | 4,329 |
| Net loans and leases to deposits | 52.8624% | 4,414 |
| Net loans and leases to core deposits | 53.6090% | 4,507 |
| Total domestic deposits to total assets | 88.2165% | 1,077 |
| Equity capital to assets | 11.5631% | 1,929 |
| Core capital (leverage) ratio | 10.6081% | 2,276 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.9460% | 407 |
| Memoranda: | ||
| Average total assets | $185,442,000 | 3,032 |
| Average earning assets | $172,968,333 | 3,024 |
| Average equity | $22,438,333 | 2,969 |
| Average total loans | $93,453,667 | 3,347 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4793% | 4,649 |
| Cost of funding earning assets | 0.7758% | 2,513 |
| Net interest margin | 2.7035% | 4,668 |
| Noninterest income to average assets | 0.1270% | 4,729 |
| Noninterest expense to average assets | 1.6181% | 4,842 |
| Loan and lease loss provision to assets | 0.0223% | 3,526 |
| Net operating income to assets | 0.9851% | 2,227 |
| Return on assets (ROA) | 0.9851% | 2,329 |
| Pretax return on assets | 1.0030% | 2,834 |
| Return on Equity (ROE) | 7.9479% | 2,541 |
| Retained earnings to average equity (ytd only) | 2.5534% | 3,246 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2142% | 3,587 |
| Assets per employee ($millions) | 5.8083% | 1,832 |
| Cash dividends to net income (ytd only)* | 67.8733% | 1,242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1773% | 2,787 |
| Loan loss allowance to noncurrent loans | 92.4433% | 3,362 |
| Noncurrent assets plus other real estate owned to assets | 0.6615% | 2,020 |
| Noncurrent loans to loans | 1.2736% | 1,285 |
| Net loans and leases to total assets | 51.3254% | 4,162 |
| Net loans and leases to deposits | 58.7687% | 4,259 |
| Net loans and leases to core deposits | 59.6838% | 4,371 |
| Total domestic deposits to total assets | 87.3346% | 1,411 |
| Equity capital to assets | 12.4222% | 1,781 |
| Core capital (leverage) ratio | 11.1640% | 2,337 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.6932% | 463 |
| Memoranda: | ||
| Average total assets | $179,465,500 | 3,050 |
| Average earning assets | $167,044,000 | 3,043 |
| Average equity | $22,245,000 | 2,979 |
| Average total loans | $93,598,000 | 3,328 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5643% | 4,808 |
| Cost of funding earning assets | 0.8988% | 2,194 |
| Net interest margin | 2.6655% | 4,859 |
| Noninterest income to average assets | 0.1437% | 4,759 |
| Noninterest expense to average assets | 1.7636% | 4,811 |
| Loan and lease loss provision to assets | 0.0165% | 3,690 |
| Net operating income to assets | 0.8497% | 3,393 |
| Return on assets (ROA) | 1.0477% | 2,761 |
| Pretax return on assets | 1.0590% | 3,300 |
| Return on Equity (ROE) | 8.3856% | 2,997 |
| Retained earnings to average equity (ytd only) | 1.5643% | 4,179 |
| Net charge-offs to loans | 0.0293% | 2,811 |
| Credit loss provision to net charge-offs | 103.5714% | 2,391 |
| Earnings coverage of net charge-offs (x) | 55.0357% | 1,042 |
| Efficiency ratio | 66.8245% | 2,640 |
| Assets per employee ($millions) | 5.7701% | 1,814 |
| Cash dividends to net income (ytd only)* | 81.3449% | 758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1646% | 2,620 |
| Loan loss allowance to noncurrent loans | 97.4107% | 3,331 |
| Noncurrent assets plus other real estate owned to assets | 0.6261% | 2,014 |
| Noncurrent loans to loans | 1.1956% | 1,261 |
| Net loans and leases to total assets | 51.7621% | 4,246 |
| Net loans and leases to deposits | 59.2259% | 4,321 |
| Net loans and leases to core deposits | 60.6850% | 4,412 |
| Total domestic deposits to total assets | 87.3978% | 1,405 |
| Equity capital to assets | 12.3679% | 1,904 |
| Core capital (leverage) ratio | 11.2621% | 2,284 |
| Tier 1 risk-based capital ratio | 23.0822% | 906 |
| Total risk-based capital ratio | 24.3329% | 886 |
| Memoranda: | ||
| Average total assets | $176,007,800 | 3,055 |
| Average earning assets | $164,772,600 | 3,042 |
| Average equity | $21,990,000 | 2,958 |
| Average total loans | $95,601,600 | 3,287 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5839% | 4,890 |
| Cost of funding earning assets | 0.8990% | 2,243 |
| Net interest margin | 2.6849% | 4,949 |
| Noninterest income to average assets | 0.1476% | 4,809 |
| Noninterest expense to average assets | 1.7076% | 4,914 |
| Loan and lease loss provision to assets | 0.0183% | 3,542 |
| Net operating income to assets | 0.9143% | 3,292 |
| Return on assets (ROA) | 0.9158% | 3,368 |
| Pretax return on assets | 0.9401% | 3,764 |
| Return on Equity (ROE) | 7.3111% | 3,578 |
| Retained earnings to average equity (ytd only) | 3.9714% | 3,410 |
| Net charge-offs to loans | 0.0291% | 2,510 |
| Credit loss provision to net charge-offs | 114.2857% | 2,032 |
| Earnings coverage of net charge-offs (x) | 59.9032% | 1,054 |
| Efficiency ratio | 64.0879% | 2,998 |
| Assets per employee ($millions) | 5.5982% | 1,939 |
| Cash dividends to net income (ytd only)* | 45.6815% | 1,895 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1603% | 2,717 |
| Loan loss allowance to noncurrent loans | 132.9684% | 2,828 |
| Noncurrent assets plus other real estate owned to assets | 0.4737% | 2,635 |
| Noncurrent loans to loans | 0.8726% | 1,839 |
| Net loans and leases to total assets | 53.6507% | 4,209 |
| Net loans and leases to deposits | 61.8590% | 4,299 |
| Net loans and leases to core deposits | 63.4339% | 4,403 |
| Total domestic deposits to total assets | 86.7307% | 1,663 |
| Equity capital to assets | 12.9190% | 1,675 |
| Core capital (leverage) ratio | 11.5884% | 2,155 |
| Tier 1 risk-based capital ratio | 23.3183% | 915 |
| Total risk-based capital ratio | 24.5808% | 892 |
| Memoranda: | ||
| Average total assets | $175,291,250 | 3,099 |
| Average earning assets | $164,325,250 | 3,077 |
| Average equity | $21,956,750 | 2,988 |
| Average total loans | $96,082,000 | 3,323 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5628% | 4,961 |
| Cost of funding earning assets | 0.8719% | 2,288 |
| Net interest margin | 2.6909% | 5,010 |
| Noninterest income to average assets | 0.1410% | 4,866 |
| Noninterest expense to average assets | 1.6910% | 4,984 |
| Loan and lease loss provision to assets | 0.0273% | 3,274 |
| Net operating income to assets | 0.9234% | 3,197 |
| Return on assets (ROA) | 0.9234% | 3,255 |
| Pretax return on assets | 0.9427% | 3,729 |
| Return on Equity (ROE) | 7.4487% | 3,520 |
| Retained earnings to average equity (ytd only) | 4.2381% | 3,132 |
| Net charge-offs to loans | 0.0207% | 2,445 |
| Credit loss provision to net charge-offs | 240.0000% | 1,057 |
| Earnings coverage of net charge-offs (x) | 85.3000% | 774 |
| Efficiency ratio | 63.5470% | 3,209 |
| Assets per employee ($millions) | 5.2519% | 2,200 |
| Cash dividends to net income (ytd only)* | 43.1034% | 2,089 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1539% | 2,770 |
| Loan loss allowance to noncurrent loans | 180.0979% | 2,317 |
| Noncurrent assets plus other real estate owned to assets | 0.3537% | 3,119 |
| Noncurrent loans to loans | 0.6407% | 2,339 |
| Net loans and leases to total assets | 54.5645% | 4,177 |
| Net loans and leases to deposits | 62.8067% | 4,292 |
| Net loans and leases to core deposits | 64.7611% | 4,373 |
| Total domestic deposits to total assets | 86.8770% | 1,652 |
| Equity capital to assets | 12.8034% | 1,686 |
| Core capital (leverage) ratio | 11.5247% | 2,140 |
| Tier 1 risk-based capital ratio | 22.9441% | 950 |
| Total risk-based capital ratio | 24.2044% | 922 |
| Memoranda: | ||
| Average total assets | $175,874,000 | 3,102 |
| Average earning assets | $164,702,670 | 3,086 |
| Average equity | $21,802,330 | 2,990 |
| Average total loans | $96,709,330 | 3,327 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5241% | 5,026 |
| Cost of funding earning assets | 0.8309% | 2,365 |
| Net interest margin | 2.6932% | 5,069 |
| Noninterest income to average assets | 0.1310% | 4,945 |
| Noninterest expense to average assets | 1.5783% | 5,117 |
| Loan and lease loss provision to assets | 0.0542% | 2,581 |
| Net operating income to assets | 0.9935% | 2,870 |
| Return on assets (ROA) | 0.9935% | 2,907 |
| Pretax return on assets | 1.0161% | 3,395 |
| Return on Equity (ROE) | 8.1449% | 3,197 |
| Retained earnings to average equity (ytd only) | 4.4427% | 3,151 |
| Net charge-offs to loans | 0.0206% | 2,043 |
| Credit loss provision to net charge-offs | 480.0000% | 626 |
| Earnings coverage of net charge-offs (x) | 94.8000% | 692 |
| Efficiency ratio | 59.5908% | 3,867 |
| Assets per employee ($millions) | 5.2664% | 2,204 |
| Cash dividends to net income (ytd only)* | 45.4545% | 1,764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1426% | 2,899 |
| Loan loss allowance to noncurrent loans | 263.4204% | 1,753 |
| Noncurrent assets plus other real estate owned to assets | 0.2422% | 3,652 |
| Noncurrent loans to loans | 0.4337% | 3,028 |
| Net loans and leases to total assets | 55.2120% | 4,122 |
| Net loans and leases to deposits | 63.3474% | 4,230 |
| Net loans and leases to core deposits | 65.1934% | 4,315 |
| Total domestic deposits to total assets | 87.1575% | 1,736 |
| Equity capital to assets | 12.5565% | 1,701 |
| Core capital (leverage) ratio | 11.1540% | 2,424 |
| Tier 1 risk-based capital ratio | 22.4104% | 999 |
| Total risk-based capital ratio | 23.6708% | 977 |
| Memoranda: | ||
| Average total assets | $177,154,000 | 3,119 |
| Average earning assets | $165,600,500 | 3,108 |
| Average equity | $21,608,500 | 3,014 |
| Average total loans | $97,228,000 | 3,362 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4530% | 4,962 |
| Cost of funding earning assets | 0.6678% | 2,283 |
| Net interest margin | 2.7852% | 5,033 |
| Noninterest income to average assets | 0.1428% | 4,997 |
| Noninterest expense to average assets | 1.8862% | 4,913 |
| Loan and lease loss provision to assets | 0.0138% | 3,870 |
| Net operating income to assets | 0.8362% | 3,664 |
| Return on assets (ROA) | 0.8362% | 3,661 |
| Pretax return on assets | 0.8476% | 4,043 |
| Return on Equity (ROE) | 6.9159% | 3,854 |
| Retained earnings to average equity (ytd only) | 4.0699% | 3,320 |
| Net charge-offs to loans | 0.0041% | 3,581 |
| Credit loss provision to net charge-offs | 600.0000% | 575 |
| Earnings coverage of net charge-offs (x) | 375.5000% | 273 |
| Efficiency ratio | 68.6496% | 2,440 |
| Assets per employee ($millions) | 5.4702% | 1,987 |
| Cash dividends to net income (ytd only)* | 41.1523% | 2,455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1192% | 2,984 |
| Loan loss allowance to noncurrent loans | 329.3051% | 1,529 |
| Noncurrent assets plus other real estate owned to assets | 0.1834% | 3,892 |
| Noncurrent loans to loans | 0.3399% | 3,328 |
| Net loans and leases to total assets | 53.3487% | 4,326 |
| Net loans and leases to deposits | 60.6983% | 4,442 |
| Net loans and leases to core deposits | 62.3815% | 4,520 |
| Total domestic deposits to total assets | 87.8915% | 1,348 |
| Equity capital to assets | 11.8520% | 1,995 |
| Core capital (leverage) ratio | 10.8141% | 2,723 |
| Tier 1 risk-based capital ratio | 21.6186% | 1,078 |
| Total risk-based capital ratio | 22.8647% | 1,058 |
| Memoranda: | ||
| Average total assets | $174,369,400 | 3,120 |
| Average earning assets | $163,073,400 | 3,106 |
| Average equity | $21,081,800 | 2,983 |
| Average total loans | $98,002,200 | 3,338 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4176% | 5,015 |
| Cost of funding earning assets | 0.6390% | 2,214 |
| Net interest margin | 2.7786% | 5,110 |
| Noninterest income to average assets | 0.1466% | 5,041 |
| Noninterest expense to average assets | 1.8260% | 5,007 |
| Loan and lease loss provision to assets | 0.0185% | 3,640 |
| Net operating income to assets | 0.9111% | 3,476 |
| Return on assets (ROA) | 0.9111% | 3,483 |
| Pretax return on assets | 0.9018% | 4,017 |
| Return on Equity (ROE) | 7.4970% | 3,754 |
| Retained earnings to average equity (ytd only) | 6.2274% | 2,538 |
| Net charge-offs to loans | 0.0027% | 3,382 |
| Credit loss provision to net charge-offs | 1,200.0000% | 340 |
| Earnings coverage of net charge-offs (x) | 595.7416% | 147 |
| Efficiency ratio | 66.4888% | 2,787 |
| Assets per employee ($millions) | 5.2554% | 2,165 |
| Cash dividends to net income (ytd only)* | 16.9348% | 3,134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1022% | 3,178 |
| Loan loss allowance to noncurrent loans | 328.9157% | 1,555 |
| Noncurrent assets plus other real estate owned to assets | 0.1914% | 3,981 |
| Noncurrent loans to loans | 0.3351% | 3,463 |
| Net loans and leases to total assets | 56.4969% | 4,171 |
| Net loans and leases to deposits | 64.6823% | 4,298 |
| Net loans and leases to core deposits | 66.5544% | 4,378 |
| Total domestic deposits to total assets | 87.3453% | 1,576 |
| Equity capital to assets | 12.3140% | 1,690 |
| Core capital (leverage) ratio | 11.2543% | 2,377 |
| Tier 1 risk-based capital ratio | 21.7618% | 1,081 |
| Total risk-based capital ratio | 23.0126% | 1,062 |
| Memoranda: | ||
| Average total assets | $172,832,250 | 3,165 |
| Average earning assets | $161,708,500 | 3,150 |
| Average equity | $21,003,500 | 3,006 |
| Average total loans | $98,154,250 | 3,360 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3791% | 5,060 |
| Cost of funding earning assets | 0.6111% | 2,154 |
| Net interest margin | 2.7680% | 5,159 |
| Noninterest income to average assets | 0.1460% | 5,094 |
| Noninterest expense to average assets | 1.8073% | 5,081 |
| Loan and lease loss provision to assets | 0.0278% | 3,361 |
| Net operating income to assets | 0.9199% | 3,374 |
| Return on assets (ROA) | 0.9199% | 3,377 |
| Pretax return on assets | 0.8979% | 3,974 |
| Return on Equity (ROE) | 7.6032% | 3,678 |
| Retained earnings to average equity (ytd only) | 7.6032% | 1,792 |
| Net charge-offs to loans | 0.0061% | 2,926 |
| Credit loss provision to net charge-offs | 800.0000% | 499 |
| Earnings coverage of net charge-offs (x) | 266.3333% | 341 |
| Efficiency ratio | 66.1297% | 2,953 |
| Assets per employee ($millions) | 5.2706% | 2,132 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1113% | 3,196 |
| Loan loss allowance to noncurrent loans | 373.6301% | 1,390 |
| Noncurrent assets plus other real estate owned to assets | 0.1679% | 4,150 |
| Noncurrent loans to loans | 0.2974% | 3,632 |
| Net loans and leases to total assets | 55.8150% | 4,180 |
| Net loans and leases to deposits | 63.7968% | 4,291 |
| Net loans and leases to core deposits | 65.6258% | 4,388 |
| Total domestic deposits to total assets | 87.4886% | 1,653 |
| Equity capital to assets | 12.2026% | 1,720 |
| Core capital (leverage) ratio | 11.1231% | 2,422 |
| Tier 1 risk-based capital ratio | 21.5420% | 1,096 |
| Total risk-based capital ratio | 22.7935% | 1,072 |
| Memoranda: | ||
| Average total assets | $172,633,330 | 3,188 |
| Average earning assets | $161,343,670 | 3,170 |
| Average equity | $20,886,000 | 3,036 |
| Average total loans | $97,847,670 | 3,378 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3536% | 5,070 |
| Cost of funding earning assets | 0.5748% | 2,215 |
| Net interest margin | 2.7789% | 5,177 |
| Noninterest income to average assets | 0.1302% | 5,212 |
| Noninterest expense to average assets | 1.6769% | 5,266 |
| Loan and lease loss provision to assets | 0.0186% | 3,291 |
| Net operating income to assets | 0.9978% | 2,866 |
| Return on assets (ROA) | 0.9978% | 2,887 |
| Pretax return on assets | 1.0210% | 3,461 |
| Return on Equity (ROE) | 8.2831% | 3,252 |
| Retained earnings to average equity (ytd only) | 8.2831% | 1,734 |
| Net charge-offs to loans | 0.0041% | 2,590 |
| Credit loss provision to net charge-offs | 800.0000% | 410 |
| Earnings coverage of net charge-offs (x) | 447.0000% | 146 |
| Efficiency ratio | 61.7295% | 3,835 |
| Assets per employee ($millions) | 5.1989% | 2,254 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1087% | 3,323 |
| Loan loss allowance to noncurrent loans | 210.7632% | 2,150 |
| Noncurrent assets plus other real estate owned to assets | 0.2978% | 3,658 |
| Noncurrent loans to loans | 0.5260% | 2,945 |
| Net loans and leases to total assets | 55.9922% | 4,124 |
| Net loans and leases to deposits | 63.9206% | 4,216 |
| Net loans and leases to core deposits | 65.7700% | 4,321 |
| Total domestic deposits to total assets | 87.5965% | 1,851 |
| Equity capital to assets | 12.1633% | 1,680 |
| Core capital (leverage) ratio | 11.0374% | 2,405 |
| Tier 1 risk-based capital ratio | 21.4243% | 1,131 |
| Total risk-based capital ratio | 22.6773% | 1,110 |
| Memoranda: | ||
| Average total assets | $171,985,000 | 3,226 |
| Average earning assets | $160,066,000 | 3,218 |
| Average equity | $20,717,000 | 3,083 |
| Average total loans | $97,686,500 | 3,402 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3338% | 5,043 |
| Cost of funding earning assets | 0.5044% | 2,289 |
| Net interest margin | 2.8294% | 5,130 |
| Noninterest income to average assets | 0.1358% | 5,269 |
| Noninterest expense to average assets | 1.9689% | 5,011 |
| Loan and lease loss provision to assets | 0.0198% | 3,902 |
| Net operating income to assets | 0.7635% | 3,329 |
| Return on assets (ROA) | 0.7635% | 3,365 |
| Pretax return on assets | 0.7758% | 4,315 |
| Return on Equity (ROE) | 6.3684% | 3,592 |
| Retained earnings to average equity (ytd only) | 2.4793% | 3,846 |
| Net charge-offs to loans | 0.0052% | 3,902 |
| Credit loss provision to net charge-offs | 680.0000% | 483 |
| Earnings coverage of net charge-offs (x) | 273.0000% | 308 |
| Efficiency ratio | 71.2207% | 2,351 |
| Assets per employee ($millions) | 5.2244% | 2,223 |
| Cash dividends to net income (ytd only)* | 61.0687% | 1,701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0892% | 3,407 |
| Loan loss allowance to noncurrent loans | 209.3933% | 2,215 |
| Noncurrent assets plus other real estate owned to assets | 0.2964% | 3,693 |
| Noncurrent loans to loans | 0.5202% | 2,956 |
| Net loans and leases to total assets | 56.3574% | 4,155 |
| Net loans and leases to deposits | 64.1484% | 4,310 |
| Net loans and leases to core deposits | 65.9833% | 4,414 |
| Total domestic deposits to total assets | 87.8548% | 1,578 |
| Equity capital to assets | 11.9289% | 1,885 |
| Core capital (leverage) ratio | 10.8165% | 2,520 |
| Tier 1 risk-based capital ratio | 20.3231% | 1,259 |
| Total risk-based capital ratio | 21.5297% | 1,235 |
| Memoranda: | ||
| Average total assets | $171,567,600 | 3,229 |
| Average earning assets | $159,399,600 | 3,209 |
| Average equity | $20,570,400 | 3,072 |
| Average total loans | $96,858,800 | 3,395 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3044% | 5,112 |
| Cost of funding earning assets | 0.4949% | 2,311 |
| Net interest margin | 2.8096% | 5,200 |
| Noninterest income to average assets | 0.1315% | 5,348 |
| Noninterest expense to average assets | 1.8098% | 5,263 |
| Loan and lease loss provision to assets | 0.0148% | 3,848 |
| Net operating income to assets | 0.9174% | 2,935 |
| Return on assets (ROA) | 0.9174% | 2,999 |
| Pretax return on assets | 0.9220% | 3,961 |
| Return on Equity (ROE) | 7.6414% | 3,324 |
| Retained earnings to average equity (ytd only) | 5.0489% | 2,859 |
| Net charge-offs to loans | -0.0028% | 4,356 |
| Credit loss provision to net charge-offs | -950.0000% | 4,936 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8924% | 3,231 |
| Assets per employee ($millions) | 5.1542% | 2,277 |
| Cash dividends to net income (ytd only)* | 33.9271% | 2,566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0729% | 3,651 |
| Loan loss allowance to noncurrent loans | 183.4197% | 2,388 |
| Noncurrent assets plus other real estate owned to assets | 0.3404% | 3,686 |
| Noncurrent loans to loans | 0.5849% | 2,943 |
| Net loans and leases to total assets | 57.5701% | 4,101 |
| Net loans and leases to deposits | 65.8868% | 4,263 |
| Net loans and leases to core deposits | 68.0342% | 4,359 |
| Total domestic deposits to total assets | 87.3773% | 1,683 |
| Equity capital to assets | 12.3311% | 1,758 |
| Core capital (leverage) ratio | 11.1844% | 2,290 |
| Tier 1 risk-based capital ratio | 20.5419% | 1,272 |
| Total risk-based capital ratio | 21.7347% | 1,252 |
| Memoranda: | ||
| Average total assets | $171,358,250 | 3,253 |
| Average earning assets | $159,499,250 | 3,232 |
| Average equity | $20,571,500 | 3,096 |
| Average total loans | $96,515,250 | 3,435 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2631% | 5,159 |
| Cost of funding earning assets | 0.4831% | 2,303 |
| Net interest margin | 2.7800% | 5,275 |
| Noninterest income to average assets | 0.1339% | 5,381 |
| Noninterest expense to average assets | 1.8081% | 5,303 |
| Loan and lease loss provision to assets | 0.0140% | 3,674 |
| Net operating income to assets | 0.9151% | 2,837 |
| Return on assets (ROA) | 0.9151% | 2,889 |
| Pretax return on assets | 0.9046% | 3,917 |
| Return on Equity (ROE) | 7.6918% | 3,201 |
| Retained earnings to average equity (ytd only) | 6.7132% | 1,736 |
| Net charge-offs to loans | -0.0063% | 4,394 |
| Credit loss provision to net charge-offs | -400.0000% | 4,620 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3108% | 3,300 |
| Assets per employee ($millions) | 5.0700% | 2,308 |
| Cash dividends to net income (ytd only)* | 12.7226% | 3,312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0788% | 3,696 |
| Loan loss allowance to noncurrent loans | 202.6871% | 2,215 |
| Noncurrent assets plus other real estate owned to assets | 0.3114% | 3,876 |
| Noncurrent loans to loans | 0.5323% | 3,167 |
| Net loans and leases to total assets | 57.8732% | 4,050 |
| Net loans and leases to deposits | 66.3262% | 4,199 |
| Net loans and leases to core deposits | 68.5210% | 4,323 |
| Total domestic deposits to total assets | 87.2553% | 1,829 |
| Equity capital to assets | 12.4942% | 1,626 |
| Core capital (leverage) ratio | 10.9948% | 2,410 |
| Tier 1 risk-based capital ratio | 20.6370% | 1,255 |
| Total risk-based capital ratio | 21.8335% | 1,234 |
| Memoranda: | ||
| Average total assets | $171,781,000 | 3,260 |
| Average earning assets | $160,216,000 | 3,239 |
| Average equity | $20,437,330 | 3,110 |
| Average total loans | $95,692,670 | 3,458 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2093% | 5,235 |
| Cost of funding earning assets | 0.4807% | 2,242 |
| Net interest margin | 2.7287% | 5,351 |
| Noninterest income to average assets | 0.1195% | 5,515 |
| Noninterest expense to average assets | 1.6458% | 5,518 |
| Loan and lease loss provision to assets | 0.0138% | 3,387 |
| Net operating income to assets | 0.9815% | 2,382 |
| Return on assets (ROA) | 0.9815% | 2,431 |
| Pretax return on assets | 1.0045% | 3,352 |
| Return on Equity (ROE) | 8.4538% | 2,696 |
| Retained earnings to average equity (ytd only) | 6.4740% | 2,099 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7774% | 4,185 |
| Assets per employee ($millions) | 5.2983% | 2,079 |
| Cash dividends to net income (ytd only)* | 23.4192% | 2,454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0873% | 3,783 |
| Loan loss allowance to noncurrent loans | 147.0506% | 2,857 |
| Noncurrent assets plus other real estate owned to assets | 0.4072% | 3,562 |
| Noncurrent loans to loans | 0.7394% | 2,645 |
| Net loans and leases to total assets | 54.4754% | 4,301 |
| Net loans and leases to deposits | 61.8182% | 4,448 |
| Net loans and leases to core deposits | 63.7470% | 4,552 |
| Total domestic deposits to total assets | 88.1220% | 1,645 |
| Equity capital to assets | 11.6796% | 2,055 |
| Core capital (leverage) ratio | 10.3390% | 3,072 |
| Tier 1 risk-based capital ratio | 20.5627% | 1,291 |
| Total risk-based capital ratio | 21.7616% | 1,269 |
| Memoranda: | ||
| Average total assets | $174,017,000 | 3,269 |
| Average earning assets | $162,276,000 | 3,241 |
| Average equity | $20,204,000 | 3,145 |
| Average total loans | $94,597,500 | 3,507 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2167% | 5,276 |
| Cost of funding earning assets | 0.4587% | 2,457 |
| Net interest margin | 2.7579% | 5,345 |
| Noninterest income to average assets | 0.1792% | 5,327 |
| Noninterest expense to average assets | 2.0036% | 5,181 |
| Loan and lease loss provision to assets | 0.0399% | 3,584 |
| Net operating income to assets | 0.6842% | 3,849 |
| Return on assets (ROA) | 0.6842% | 3,965 |
| Pretax return on assets | 0.6964% | 4,498 |
| Return on Equity (ROE) | 5.8966% | 4,030 |
| Retained earnings to average equity (ytd only) | 3.4065% | 3,499 |
| Net charge-offs to loans | 0.0358% | 3,311 |
| Credit loss provision to net charge-offs | 209.0909% | 1,359 |
| Earnings coverage of net charge-offs (x) | 38.6061% | 1,205 |
| Efficiency ratio | 73.1280% | 2,408 |
| Assets per employee ($millions) | 5.2482% | 2,119 |
| Cash dividends to net income (ytd only)* | 42.2297% | 2,762 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1205% | 3,604 |
| Loan loss allowance to noncurrent loans | 177.9487% | 2,455 |
| Noncurrent assets plus other real estate owned to assets | 0.3378% | 3,927 |
| Noncurrent loans to loans | 0.6297% | 2,962 |
| Net loans and leases to total assets | 53.0400% | 4,522 |
| Net loans and leases to deposits | 60.0824% | 4,661 |
| Net loans and leases to core deposits | 61.9658% | 4,754 |
| Total domestic deposits to total assets | 88.2788% | 1,498 |
| Equity capital to assets | 11.5405% | 2,133 |
| Core capital (leverage) ratio | 10.3681% | 3,030 |
| Tier 1 risk-based capital ratio | 20.8200% | 1,244 |
| Total risk-based capital ratio | 22.0494% | 1,217 |
| Memoranda: | ||
| Average total assets | $173,037,000 | 3,245 |
| Average earning assets | $160,663,000 | 3,228 |
| Average equity | $20,079,200 | 3,164 |
| Average total loans | $92,277,400 | 3,529 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1707% | 5,405 |
| Cost of funding earning assets | 0.4581% | 2,479 |
| Net interest margin | 2.7126% | 5,479 |
| Noninterest income to average assets | 0.1942% | 5,304 |
| Noninterest expense to average assets | 1.8967% | 5,381 |
| Loan and lease loss provision to assets | 0.0486% | 3,277 |
| Net operating income to assets | 0.7568% | 3,577 |
| Return on assets (ROA) | 0.7568% | 3,705 |
| Pretax return on assets | 0.7638% | 4,427 |
| Return on Equity (ROE) | 6.5132% | 3,832 |
| Retained earnings to average equity (ytd only) | 5.1867% | 2,705 |
| Net charge-offs to loans | 0.0507% | 2,649 |
| Credit loss provision to net charge-offs | 180.0000% | 1,556 |
| Earnings coverage of net charge-offs (x) | 30.1114% | 1,485 |
| Efficiency ratio | 70.0142% | 2,885 |
| Assets per employee ($millions) | 5.1541% | 2,184 |
| Cash dividends to net income (ytd only)* | 20.3666% | 3,223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1205% | 3,730 |
| Loan loss allowance to noncurrent loans | 175.0847% | 2,476 |
| Noncurrent assets plus other real estate owned to assets | 0.4092% | 3,791 |
| Noncurrent loans to loans | 0.6400% | 3,102 |
| Net loans and leases to total assets | 53.5952% | 4,528 |
| Net loans and leases to deposits | 61.0897% | 4,679 |
| Net loans and leases to core deposits | 63.0598% | 4,769 |
| Total domestic deposits to total assets | 87.7321% | 1,536 |
| Equity capital to assets | 12.0533% | 2,083 |
| Core capital (leverage) ratio | 10.5839% | 2,890 |
| Tier 1 risk-based capital ratio | 20.9088% | 1,289 |
| Total risk-based capital ratio | 22.1271% | 1,275 |
| Memoranda: | ||
| Average total assets | $172,998,750 | 3,259 |
| Average earning assets | $160,381,750 | 3,247 |
| Average equity | $20,102,250 | 3,183 |
| Average total loans | $92,121,500 | 3,547 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1420% | 5,504 |
| Cost of funding earning assets | 0.4510% | 2,555 |
| Net interest margin | 2.6911% | 5,580 |
| Noninterest income to average assets | 0.2219% | 5,163 |
| Noninterest expense to average assets | 1.9187% | 5,423 |
| Loan and lease loss provision to assets | 0.0655% | 2,831 |
| Net operating income to assets | 0.7312% | 3,643 |
| Return on assets (ROA) | 0.7312% | 3,805 |
| Pretax return on assets | 0.7346% | 4,516 |
| Return on Equity (ROE) | 6.3698% | 3,865 |
| Retained earnings to average equity (ytd only) | 4.3667% | 3,137 |
| Net charge-offs to loans | 0.0803% | 2,046 |
| Credit loss provision to net charge-offs | 154.0541% | 1,558 |
| Earnings coverage of net charge-offs (x) | 18.8108% | 1,805 |
| Efficiency ratio | 70.5708% | 2,895 |
| Assets per employee ($millions) | 5.2225% | 2,064 |
| Cash dividends to net income (ytd only)* | 31.4465% | 2,781 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1250% | 3,810 |
| Loan loss allowance to noncurrent loans | 171.9799% | 2,582 |
| Noncurrent assets plus other real estate owned to assets | 0.4491% | 3,718 |
| Noncurrent loans to loans | 0.6541% | 3,113 |
| Net loans and leases to total assets | 52.2722% | 4,647 |
| Net loans and leases to deposits | 59.3465% | 4,831 |
| Net loans and leases to core deposits | 61.2206% | 4,920 |
| Total domestic deposits to total assets | 88.0797% | 1,390 |
| Equity capital to assets | 11.7167% | 2,345 |
| Core capital (leverage) ratio | 10.3117% | 3,179 |
| Tier 1 risk-based capital ratio | 20.5755% | 1,331 |
| Total risk-based capital ratio | 21.7887% | 1,319 |
| Memoranda: | ||
| Average total assets | $173,969,670 | 3,266 |
| Average earning assets | $161,423,330 | 3,253 |
| Average equity | $19,969,330 | 3,203 |
| Average total loans | $92,098,330 | 3,566 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1350% | 5,571 |
| Cost of funding earning assets | 0.4436% | 2,652 |
| Net interest margin | 2.6914% | 5,628 |
| Noninterest income to average assets | 0.2884% | 4,666 |
| Noninterest expense to average assets | 1.9384% | 5,467 |
| Loan and lease loss provision to assets | 0.0984% | 2,053 |
| Net operating income to assets | 0.7323% | 3,572 |
| Return on assets (ROA) | 0.7323% | 3,681 |
| Pretax return on assets | 0.7506% | 4,365 |
| Return on Equity (ROE) | 6.4459% | 3,754 |
| Retained earnings to average equity (ytd only) | 6.4459% | 2,168 |
| Net charge-offs to loans | 0.1253% | 1,355 |
| Credit loss provision to net charge-offs | 148.2759% | 1,286 |
| Earnings coverage of net charge-offs (x) | 12.7931% | 1,770 |
| Efficiency ratio | 69.5402% | 3,208 |
| Assets per employee ($millions) | 5.2614% | 2,068 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1056% | 4,023 |
| Loan loss allowance to noncurrent loans | 93.2296% | 3,781 |
| Noncurrent assets plus other real estate owned to assets | 0.6733% | 3,042 |
| Noncurrent loans to loans | 1.1859% | 2,040 |
| Net loans and leases to total assets | 52.4973% | 4,577 |
| Net loans and leases to deposits | 59.4742% | 4,755 |
| Net loans and leases to core deposits | 61.3406% | 4,854 |
| Total domestic deposits to total assets | 88.2690% | 1,492 |
| Equity capital to assets | 11.5507% | 2,396 |
| Core capital (leverage) ratio | 10.0376% | 3,493 |
| Tier 1 risk-based capital ratio | 20.5758% | 1,387 |
| Total risk-based capital ratio | 21.7901% | 1,375 |
| Memoranda: | ||
| Average total assets | $174,782,500 | 3,269 |
| Average earning assets | $162,295,500 | 3,253 |
| Average equity | $19,857,500 | 3,217 |
| Average total loans | $92,591,000 | 3,562 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0755% | 5,665 |
| Cost of funding earning assets | 0.4664% | 2,469 |
| Net interest margin | 2.6090% | 5,747 |
| Noninterest income to average assets | 0.1401% | 5,710 |
| Noninterest expense to average assets | 1.9136% | 5,600 |
| Loan and lease loss provision to assets | 0.0118% | 4,175 |
| Net operating income to assets | 0.6563% | 4,013 |
| Return on assets (ROA) | 0.6563% | 4,103 |
| Pretax return on assets | 0.6610% | 4,643 |
| Return on Equity (ROE) | 5.7269% | 4,172 |
| Retained earnings to average equity (ytd only) | 2.6452% | 4,187 |
| Net charge-offs to loans | 0.0635% | 2,953 |
| Credit loss provision to net charge-offs | 35.0877% | 3,590 |
| Earnings coverage of net charge-offs (x) | 20.0526% | 1,902 |
| Efficiency ratio | 73.9873% | 2,581 |
| Assets per employee ($millions) | 5.0268% | 2,343 |
| Cash dividends to net income (ytd only)* | 53.8117% | 2,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0805% | 4,150 |
| Loan loss allowance to noncurrent loans | 168.0602% | 2,583 |
| Noncurrent assets plus other real estate owned to assets | 0.4507% | 3,809 |
| Noncurrent loans to loans | 0.6429% | 3,256 |
| Net loans and leases to total assets | 52.2960% | 4,667 |
| Net loans and leases to deposits | 58.9805% | 4,848 |
| Net loans and leases to core deposits | 60.6639% | 4,941 |
| Total domestic deposits to total assets | 88.6665% | 1,299 |
| Equity capital to assets | 11.1743% | 2,654 |
| Core capital (leverage) ratio | 10.1761% | 3,289 |
| Tier 1 risk-based capital ratio | 19.8988% | 1,499 |
| Total risk-based capital ratio | 21.0788% | 1,484 |
| Memoranda: | ||
| Average total assets | $169,889,200 | 3,305 |
| Average earning assets | $159,292,600 | 3,262 |
| Average equity | $19,469,400 | 3,222 |
| Average total loans | $89,733,200 | 3,594 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0593% | 5,755 |
| Cost of funding earning assets | 0.4731% | 2,468 |
| Net interest margin | 2.5862% | 5,847 |
| Noninterest income to average assets | 0.1402% | 5,784 |
| Noninterest expense to average assets | 1.8632% | 5,693 |
| Loan and lease loss provision to assets | 0.0063% | 4,132 |
| Net operating income to assets | 0.7040% | 3,884 |
| Return on assets (ROA) | 0.7040% | 3,994 |
| Pretax return on assets | 0.7032% | 4,673 |
| Return on Equity (ROE) | 6.1030% | 4,108 |
| Retained earnings to average equity (ytd only) | 4.0435% | 3,584 |
| Net charge-offs to loans | 0.0135% | 3,700 |
| Credit loss provision to net charge-offs | 88.8889% | 2,486 |
| Earnings coverage of net charge-offs (x) | 99.5533% | 631 |
| Efficiency ratio | 72.4223% | 2,803 |
| Assets per employee ($millions) | 4.6953% | 2,716 |
| Cash dividends to net income (ytd only)* | 33.7459% | 2,630 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1466% | 3,947 |
| Loan loss allowance to noncurrent loans | 102.5616% | 3,622 |
| Noncurrent assets plus other real estate owned to assets | 0.6797% | 3,213 |
| Noncurrent loans to loans | 1.1180% | 2,266 |
| Net loans and leases to total assets | 54.6126% | 4,497 |
| Net loans and leases to deposits | 62.2305% | 4,705 |
| Net loans and leases to core deposits | 64.0478% | 4,814 |
| Total domestic deposits to total assets | 87.7585% | 1,678 |
| Equity capital to assets | 12.0486% | 2,062 |
| Core capital (leverage) ratio | 10.3046% | 3,254 |
| Tier 1 risk-based capital ratio | 20.7235% | 1,394 |
| Total risk-based capital ratio | 21.9740% | 1,366 |
| Memoranda: | ||
| Average total assets | $168,376,750 | 3,359 |
| Average earning assets | $158,375,500 | 3,307 |
| Average equity | $19,421,750 | 3,258 |
| Average total loans | $88,913,000 | 3,644 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9914% | 5,864 |
| Cost of funding earning assets | 0.4729% | 2,486 |
| Net interest margin | 2.5186% | 5,946 |
| Noninterest income to average assets | 0.1367% | 5,875 |
| Noninterest expense to average assets | 1.8383% | 5,799 |
| Loan and lease loss provision to assets | 0.0094% | 3,914 |
| Net operating income to assets | 0.6587% | 4,080 |
| Return on assets (ROA) | 0.6587% | 4,184 |
| Pretax return on assets | 0.6552% | 4,806 |
| Return on Equity (ROE) | 5.7940% | 4,235 |
| Retained earnings to average equity (ytd only) | 2.6845% | 4,350 |
| Net charge-offs to loans | 0.0091% | 3,592 |
| Credit loss provision to net charge-offs | 200.0000% | 1,223 |
| Earnings coverage of net charge-offs (x) | 141.0000% | 450 |
| Efficiency ratio | 73.4463% | 2,760 |
| Assets per employee ($millions) | 4.8054% | 2,535 |
| Cash dividends to net income (ytd only)* | 53.6673% | 1,789 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1600% | 4,025 |
| Loan loss allowance to noncurrent loans | 106.5173% | 3,563 |
| Noncurrent assets plus other real estate owned to assets | 0.6516% | 3,457 |
| Noncurrent loans to loans | 1.0890% | 2,473 |
| Net loans and leases to total assets | 52.9922% | 4,661 |
| Net loans and leases to deposits | 60.0065% | 4,852 |
| Net loans and leases to core deposits | 61.7009% | 4,965 |
| Total domestic deposits to total assets | 88.3108% | 1,490 |
| Equity capital to assets | 11.5055% | 2,406 |
| Core capital (leverage) ratio | 10.0546% | 3,525 |
| Tier 1 risk-based capital ratio | 19.5267% | 1,664 |
| Total risk-based capital ratio | 20.7491% | 1,637 |
| Memoranda: | ||
| Average total assets | $169,724,330 | 3,350 |
| Average earning assets | $159,454,670 | 3,307 |
| Average equity | $19,295,670 | 3,286 |
| Average total loans | $88,288,000 | 3,679 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9508% | 5,943 |
| Cost of funding earning assets | 0.4751% | 2,501 |
| Net interest margin | 2.4757% | 6,046 |
| Noninterest income to average assets | 0.1384% | 5,917 |
| Noninterest expense to average assets | 1.8159% | 5,874 |
| Loan and lease loss provision to assets | 0.0141% | 3,543 |
| Net operating income to assets | 0.6241% | 4,178 |
| Return on assets (ROA) | 0.6241% | 4,277 |
| Pretax return on assets | 0.6311% | 4,830 |
| Return on Equity (ROE) | 5.5221% | 4,275 |
| Retained earnings to average equity (ytd only) | 5.5221% | 2,763 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7846% | 2,852 |
| Assets per employee ($millions) | 4.8641% | 2,540 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2431% | 3,723 |
| Loan loss allowance to noncurrent loans | 121.0162% | 3,253 |
| Noncurrent assets plus other real estate owned to assets | 0.5774% | 3,750 |
| Noncurrent loans to loans | 1.0272% | 2,712 |
| Net loans and leases to total assets | 48.9039% | 4,948 |
| Net loans and leases to deposits | 55.3247% | 5,095 |
| Net loans and leases to core deposits | 57.1244% | 5,181 |
| Total domestic deposits to total assets | 88.3943% | 1,598 |
| Equity capital to assets | 11.4365% | 2,526 |
| Core capital (leverage) ratio | 9.9713% | 3,639 |
| Tier 1 risk-based capital ratio | 21.0434% | 1,413 |
| Total risk-based capital ratio | 22.3612% | 1,374 |
| Memoranda: | ||
| Average total assets | $170,492,000 | 3,354 |
| Average earning assets | $159,954,500 | 3,325 |
| Average equity | $19,268,000 | 3,314 |
| Average total loans | $87,345,500 | 3,718 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1139% | 5,938 |
| Cost of funding earning assets | 0.5115% | 2,558 |
| Net interest margin | 2.6023% | 6,069 |
| Noninterest income to average assets | 0.1404% | 5,997 |
| Noninterest expense to average assets | 1.9280% | 5,893 |
| Loan and lease loss provision to assets | 0.0047% | 4,520 |
| Net operating income to assets | 0.6413% | 4,186 |
| Return on assets (ROA) | 0.6407% | 4,289 |
| Pretax return on assets | 0.6360% | 4,821 |
| Return on Equity (ROE) | 5.8383% | 4,236 |
| Retained earnings to average equity (ytd only) | 3.6978% | 3,580 |
| Net charge-offs to loans | -0.0123% | 5,599 |
| Credit loss provision to net charge-offs | -72.7273% | 5,468 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0400% | 2,663 |
| Assets per employee ($millions) | 4.8783% | 2,489 |
| Cash dividends to net income (ytd only)* | 36.6636% | 3,030 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1528% | 4,269 |
| Loan loss allowance to noncurrent loans | 119.7701% | 3,308 |
| Noncurrent assets plus other real estate owned to assets | 0.5798% | 3,850 |
| Noncurrent loans to loans | 0.9625% | 2,918 |
| Net loans and leases to total assets | 52.3281% | 4,757 |
| Net loans and leases to deposits | 59.0102% | 4,982 |
| Net loans and leases to core deposits | 60.9697% | 5,067 |
| Total domestic deposits to total assets | 88.6764% | 1,424 |
| Equity capital to assets | 11.1667% | 2,733 |
| Core capital (leverage) ratio | 9.8456% | 3,776 |
| Tier 1 risk-based capital ratio | 19.5535% | 1,704 |
| Total risk-based capital ratio | 20.7935% | 1,674 |
| Memoranda: | ||
| Average total assets | $170,279,400 | 3,337 |
| Average earning assets | $158,933,600 | 3,300 |
| Average equity | $18,687,000 | 3,328 |
| Average total loans | $89,775,200 | 3,632 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1276% | 5,990 |
| Cost of funding earning assets | 0.5162% | 2,596 |
| Net interest margin | 2.6113% | 6,121 |
| Noninterest income to average assets | 0.1379% | 6,083 |
| Noninterest expense to average assets | 1.8868% | 5,974 |
| Loan and lease loss provision to assets | 0.0063% | 4,294 |
| Net operating income to assets | 0.6934% | 3,977 |
| Return on assets (ROA) | 0.6934% | 4,067 |
| Pretax return on assets | 0.6825% | 4,755 |
| Return on Equity (ROE) | 6.3466% | 4,060 |
| Retained earnings to average equity (ytd only) | 3.4781% | 4,157 |
| Net charge-offs to loans | -0.0193% | 5,601 |
| Credit loss provision to net charge-offs | -61.5385% | 5,377 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2583% | 2,947 |
| Assets per employee ($millions) | 4.7931% | 2,529 |
| Cash dividends to net income (ytd only)* | 45.1978% | 2,090 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1592% | 4,448 |
| Loan loss allowance to noncurrent loans | 172.2772% | 2,432 |
| Noncurrent assets plus other real estate owned to assets | 0.4405% | 4,590 |
| Noncurrent loans to loans | 0.6729% | 3,926 |
| Net loans and leases to total assets | 53.0633% | 4,688 |
| Net loans and leases to deposits | 59.8887% | 4,952 |
| Net loans and leases to core deposits | 62.0192% | 5,032 |
| Total domestic deposits to total assets | 88.6032% | 1,448 |
| Equity capital to assets | 11.2227% | 2,733 |
| Core capital (leverage) ratio | 9.7303% | 4,026 |
| Tier 1 risk-based capital ratio | 19.2675% | 1,834 |
| Total risk-based capital ratio | 20.5073% | 1,809 |
| Memoranda: | ||
| Average total assets | $170,164,250 | 3,363 |
| Average earning assets | $158,841,750 | 3,322 |
| Average equity | $18,592,250 | 3,351 |
| Average total loans | $89,622,250 | 3,667 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0952% | 6,067 |
| Cost of funding earning assets | 0.5150% | 2,674 |
| Net interest margin | 2.5801% | 6,199 |
| Noninterest income to average assets | 0.1322% | 6,157 |
| Noninterest expense to average assets | 1.9021% | 5,996 |
| Loan and lease loss provision to assets | 0.0094% | 4,049 |
| Net operating income to assets | 0.6493% | 4,104 |
| Return on assets (ROA) | 0.6493% | 4,206 |
| Pretax return on assets | 0.6294% | 4,849 |
| Return on Equity (ROE) | 5.9955% | 4,149 |
| Retained earnings to average equity (ytd only) | 5.9955% | 2,328 |
| Net charge-offs to loans | -0.0201% | 5,549 |
| Credit loss provision to net charge-offs | -88.8889% | 5,234 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8619% | 2,830 |
| Assets per employee ($millions) | 4.8724% | 2,376 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1584% | 4,628 |
| Loan loss allowance to noncurrent loans | 125.0000% | 3,111 |
| Noncurrent assets plus other real estate owned to assets | 0.5676% | 4,284 |
| Noncurrent loans to loans | 0.9267% | 3,399 |
| Net loans and leases to total assets | 52.0357% | 4,741 |
| Net loans and leases to deposits | 58.6453% | 4,986 |
| Net loans and leases to core deposits | 60.7911% | 5,073 |
| Total domestic deposits to total assets | 88.7295% | 1,515 |
| Equity capital to assets | 11.0917% | 2,796 |
| Core capital (leverage) ratio | 9.7013% | 4,038 |
| Tier 1 risk-based capital ratio | 19.0788% | 1,902 |
| Total risk-based capital ratio | 20.2965% | 1,876 |
| Memoranda: | ||
| Average total assets | $170,966,330 | 3,375 |
| Average earning assets | $159,604,330 | 3,327 |
| Average equity | $18,514,000 | 3,360 |
| Average total loans | $89,475,670 | 3,690 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1818% | 6,031 |
| Cost of funding earning assets | 0.5215% | 2,698 |
| Net interest margin | 2.6603% | 6,157 |
| Noninterest income to average assets | 0.1402% | 6,136 |
| Noninterest expense to average assets | 1.8483% | 6,148 |
| Loan and lease loss provision to assets | 0.0187% | 3,586 |
| Net operating income to assets | 0.7384% | 3,497 |
| Return on assets (ROA) | 0.7384% | 3,579 |
| Pretax return on assets | 0.7407% | 4,348 |
| Return on Equity (ROE) | 6.9020% | 3,526 |
| Retained earnings to average equity (ytd only) | 6.9020% | 2,087 |
| Net charge-offs to loans | -0.0582% | 5,873 |
| Credit loss provision to net charge-offs | -61.5385% | 4,773 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8781% | 3,673 |
| Assets per employee ($millions) | 4.9231% | 2,348 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1928% | 4,669 |
| Loan loss allowance to noncurrent loans | 186.0963% | 2,221 |
| Noncurrent assets plus other real estate owned to assets | 0.4045% | 4,930 |
| Noncurrent loans to loans | 0.6410% | 4,259 |
| Net loans and leases to total assets | 50.1904% | 4,889 |
| Net loans and leases to deposits | 56.3393% | 5,086 |
| Net loans and leases to core deposits | 58.4725% | 5,168 |
| Total domestic deposits to total assets | 89.0858% | 1,601 |
| Equity capital to assets | 10.7685% | 2,965 |
| Core capital (leverage) ratio | 9.4924% | 4,290 |
| Tier 1 risk-based capital ratio | 19.2606% | 1,887 |
| Total risk-based capital ratio | 20.5105% | 1,857 |
| Memoranda: | ||
| Average total assets | $171,183,000 | 3,389 |
| Average earning assets | $158,779,000 | 3,360 |
| Average equity | $18,313,500 | 3,384 |
| Average total loans | $89,324,500 | 3,711 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1352% | 6,206 |
| Cost of funding earning assets | 0.6738% | 2,009 |
| Net interest margin | 2.4613% | 6,402 |
| Noninterest income to average assets | 0.1603% | 6,126 |
| Noninterest expense to average assets | 1.6780% | 6,468 |
| Loan and lease loss provision to assets | 0.0187% | 4,758 |
| Net operating income to assets | 0.7880% | 3,351 |
| Return on assets (ROA) | 0.7880% | 3,457 |
| Pretax return on assets | 0.7709% | 4,262 |
| Return on Equity (ROE) | 9.2625% | 2,430 |
| Retained earnings to average equity (ytd only) | 4.2335% | 3,165 |
| Net charge-offs to loans | 0.0030% | 5,419 |
| Credit loss provision to net charge-offs | 1,200.0000% | 206 |
| Earnings coverage of net charge-offs (x) | 507.5000% | 73 |
| Efficiency ratio | 68.0013% | 4,198 |
| Assets per employee ($millions) | 5.5430% | 1,612 |
| Cash dividends to net income (ytd only)* | 54.2942% | 2,059 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9974% | 5,584 |
| Loan loss allowance to noncurrent loans | 23,033.3333% | 30 |
| Noncurrent assets plus other real estate owned to assets | 0.1090% | 6,004 |
| Noncurrent loans to loans | 0.0043% | 6,298 |
| Net loans and leases to total assets | 53.8011% | 4,606 |
| Net loans and leases to deposits | 59.0625% | 5,031 |
| Net loans and leases to core deposits | 61.7147% | 5,088 |
| Total domestic deposits to total assets | 91.0919% | 540 |
| Equity capital to assets | 8.7011% | 5,362 |
| Core capital (leverage) ratio | 8.6572% | 5,468 |
| Tier 1 risk-based capital ratio | 16.9066% | 2,654 |
| Total risk-based capital ratio | 17.9505% | 2,715 |
| Memoranda: | ||
| Average total assets | $128,546,600 | 4,098 |
| Average earning assets | $120,504,000 | 4,036 |
| Average equity | $10,936,600 | 4,648 |
| Average total loans | $66,978,800 | 4,376 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1302% | 6,284 |
| Cost of funding earning assets | 0.6857% | 2,051 |
| Net interest margin | 2.4446% | 6,477 |
| Noninterest income to average assets | 0.1646% | 6,201 |
| Noninterest expense to average assets | 1.5723% | 6,578 |
| Loan and lease loss provision to assets | 0.0248% | 4,510 |
| Net operating income to assets | 0.8850% | 2,909 |
| Return on assets (ROA) | 0.8850% | 3,022 |
| Pretax return on assets | 0.8591% | 4,053 |
| Return on Equity (ROE) | 10.4608% | 2,017 |
| Retained earnings to average equity (ytd only) | 6.1787% | 2,296 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0118% | 4,796 |
| Assets per employee ($millions) | 5.5268% | 1,597 |
| Cash dividends to net income (ytd only)* | 40.9362% | 2,252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0299% | 5,596 |
| Loan loss allowance to noncurrent loans | 4,076.4706% | 155 |
| Noncurrent assets plus other real estate owned to assets | 0.1219% | 6,061 |
| Noncurrent loans to loans | 0.0253% | 6,280 |
| Net loans and leases to total assets | 52.3899% | 4,826 |
| Net loans and leases to deposits | 57.5736% | 5,228 |
| Net loans and leases to core deposits | 60.1590% | 5,285 |
| Total domestic deposits to total assets | 90.9964% | 536 |
| Equity capital to assets | 8.7629% | 5,451 |
| Core capital (leverage) ratio | 8.8571% | 5,313 |
| Tier 1 risk-based capital ratio | 17.4114% | 2,537 |
| Total risk-based capital ratio | 18.4855% | 2,579 |
| Memoranda: | ||
| Average total assets | $128,810,750 | 4,146 |
| Average earning assets | $120,755,500 | 4,086 |
| Average equity | $10,897,500 | 4,708 |
| Average total loans | $66,403,000 | 4,433 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1346% | 6,303 |
| Cost of funding earning assets | 0.6993% | 2,065 |
| Net interest margin | 2.4353% | 6,521 |
| Noninterest income to average assets | 0.1577% | 6,262 |
| Noninterest expense to average assets | 1.5675% | 6,619 |
| Loan and lease loss provision to assets | 0.0371% | 4,209 |
| Net operating income to assets | 0.8842% | 2,877 |
| Return on assets (ROA) | 0.8842% | 3,033 |
| Pretax return on assets | 0.8301% | 4,196 |
| Return on Equity (ROE) | 10.5759% | 1,981 |
| Retained earnings to average equity (ytd only) | 5.9536% | 2,467 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3810% | 4,816 |
| Assets per employee ($millions) | 5.5531% | 1,535 |
| Cash dividends to net income (ytd only)* | 43.7063% | 2,116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0529% | 5,615 |
| Loan loss allowance to noncurrent loans | 13,860.0000% | 63 |
| Noncurrent assets plus other real estate owned to assets | 0.1159% | 6,136 |
| Noncurrent loans to loans | 0.0076% | 6,415 |
| Net loans and leases to total assets | 50.9896% | 5,000 |
| Net loans and leases to deposits | 55.8970% | 5,356 |
| Net loans and leases to core deposits | 58.3777% | 5,390 |
| Total domestic deposits to total assets | 91.2208% | 472 |
| Equity capital to assets | 8.5420% | 5,728 |
| Core capital (leverage) ratio | 8.6742% | 5,458 |
| Tier 1 risk-based capital ratio | 17.5137% | 2,511 |
| Total risk-based capital ratio | 18.6120% | 2,542 |
| Memoranda: | ||
| Average total assets | $129,375,670 | 4,152 |
| Average earning assets | $120,971,670 | 4,099 |
| Average equity | $10,817,000 | 4,762 |
| Average total loans | $66,107,670 | 4,464 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1606% | 6,343 |
| Cost of funding earning assets | 0.7319% | 1,983 |
| Net interest margin | 2.4287% | 6,575 |
| Noninterest income to average assets | 0.1505% | 6,351 |
| Noninterest expense to average assets | 1.4685% | 6,772 |
| Loan and lease loss provision to assets | 0.0553% | 3,710 |
| Net operating income to assets | 0.8848% | 2,724 |
| Return on assets (ROA) | 0.8848% | 2,868 |
| Pretax return on assets | 0.9001% | 3,762 |
| Return on Equity (ROE) | 10.6959% | 1,796 |
| Retained earnings to average equity (ytd only) | 1.4113% | 5,274 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5830% | 5,506 |
| Assets per employee ($millions) | 5.5336% | 1,640 |
| Cash dividends to net income (ytd only)* | 86.8056% | 791 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0503% | 5,794 |
| Loan loss allowance to noncurrent loans | 9,814.2857% | 75 |
| Noncurrent assets plus other real estate owned to assets | 0.1179% | 6,216 |
| Noncurrent loans to loans | 0.0107% | 6,469 |
| Net loans and leases to total assets | 50.8533% | 4,871 |
| Net loans and leases to deposits | 55.7079% | 5,275 |
| Net loans and leases to core deposits | 58.1870% | 5,334 |
| Total domestic deposits to total assets | 91.2856% | 414 |
| Equity capital to assets | 8.4787% | 6,038 |
| Core capital (leverage) ratio | 8.3660% | 5,747 |
| Tier 1 risk-based capital ratio | 17.3225% | 2,636 |
| Total risk-based capital ratio | 18.4278% | 2,654 |
| Memoranda: | ||
| Average total assets | $130,202,500 | 4,178 |
| Average earning assets | $121,875,000 | 4,118 |
| Average equity | $10,770,500 | 4,817 |
| Average total loans | $66,252,500 | 4,485 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5336% | 6,321 |
| Cost of funding earning assets | 0.9010% | 1,928 |
| Net interest margin | 2.6326% | 6,601 |
| Noninterest income to average assets | 0.1682% | 6,187 |
| Noninterest expense to average assets | 1.7463% | 6,680 |
| Loan and lease loss provision to assets | 0.0208% | 5,639 |
| Net operating income to assets | 0.8691% | 2,961 |
| Return on assets (ROA) | 0.8691% | 3,203 |
| Pretax return on assets | 0.8844% | 3,980 |
| Return on Equity (ROE) | 10.4801% | 1,979 |
| Retained earnings to average equity (ytd only) | 6.6164% | 1,757 |
| Net charge-offs to loans | 0.0293% | 5,493 |
| Credit loss provision to net charge-offs | 130.0000% | 2,152 |
| Earnings coverage of net charge-offs (x) | 56.5000% | 625 |
| Efficiency ratio | 65.8610% | 4,529 |
| Assets per employee ($millions) | 5.5472% | 1,644 |
| Cash dividends to net income (ytd only)* | 36.8664% | 3,040 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9971% | 5,980 |
| Loan loss allowance to noncurrent loans | 142.6439% | 2,471 |
| Noncurrent assets plus other real estate owned to assets | 0.4597% | 5,330 |
| Noncurrent loans to loans | 0.6990% | 4,793 |
| Net loans and leases to total assets | 49.8952% | 5,183 |
| Net loans and leases to deposits | 54.4162% | 5,613 |
| Net loans and leases to core deposits | 56.8408% | 5,646 |
| Total domestic deposits to total assets | 91.6918% | 302 |
| Equity capital to assets | 8.0746% | 6,368 |
| Core capital (leverage) ratio | 8.3765% | 5,789 |
| Tier 1 risk-based capital ratio | 17.4802% | 2,459 |
| Total risk-based capital ratio | 18.5702% | 2,493 |
| Memoranda: | ||
| Average total assets | $124,837,000 | 4,252 |
| Average earning assets | $117,755,200 | 4,167 |
| Average equity | $10,353,000 | 4,904 |
| Average total loans | $68,191,800 | 4,417 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6351% | 6,342 |
| Cost of funding earning assets | 0.9501% | 1,851 |
| Net interest margin | 2.6850% | 6,665 |
| Noninterest income to average assets | 0.1629% | 6,325 |
| Noninterest expense to average assets | 1.6291% | 6,853 |
| Loan and lease loss provision to assets | 0.0282% | 5,429 |
| Net operating income to assets | 1.0470% | 2,295 |
| Return on assets (ROA) | 1.0470% | 2,513 |
| Pretax return on assets | 1.0470% | 3,548 |
| Return on Equity (ROE) | 12.5349% | 1,452 |
| Retained earnings to average equity (ytd only) | 7.3337% | 1,929 |
| Net charge-offs to loans | 0.0312% | 5,209 |
| Credit loss provision to net charge-offs | 162.5000% | 1,712 |
| Earnings coverage of net charge-offs (x) | 61.8833% | 639 |
| Efficiency ratio | 60.2410% | 5,458 |
| Assets per employee ($millions) | 5.1144% | 2,036 |
| Cash dividends to net income (ytd only)* | 41.4938% | 2,083 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9584% | 6,224 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1279% | 6,395 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 56.6630% | 4,353 |
| Net loans and leases to deposits | 62.2230% | 4,946 |
| Net loans and leases to core deposits | 65.4419% | 5,008 |
| Total domestic deposits to total assets | 91.0644% | 397 |
| Equity capital to assets | 8.6773% | 6,122 |
| Core capital (leverage) ratio | 8.6268% | 5,584 |
| Tier 1 risk-based capital ratio | 16.7827% | 2,853 |
| Total risk-based capital ratio | 17.8474% | 2,915 |
| Memoranda: | ||
| Average total assets | $122,763,000 | 4,333 |
| Average earning assets | $116,198,500 | 4,240 |
| Average equity | $10,253,750 | 4,970 |
| Average total loans | $68,465,750 | 4,449 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6693% | 6,387 |
| Cost of funding earning assets | 0.9984% | 1,772 |
| Net interest margin | 2.6709% | 6,742 |
| Noninterest income to average assets | 0.1336% | 6,520 |
| Noninterest expense to average assets | 1.5883% | 6,940 |
| Loan and lease loss provision to assets | 0.0424% | 5,142 |
| Net operating income to assets | 1.0654% | 2,182 |
| Return on assets (ROA) | 1.0654% | 2,413 |
| Pretax return on assets | 1.0394% | 3,560 |
| Return on Equity (ROE) | 12.9232% | 1,380 |
| Retained earnings to average equity (ytd only) | 5.0191% | 3,272 |
| Net charge-offs to loans | 0.0471% | 4,735 |
| Credit loss provision to net charge-offs | 162.5000% | 1,714 |
| Earnings coverage of net charge-offs (x) | 41.5000% | 851 |
| Efficiency ratio | 59.4875% | 5,663 |
| Assets per employee ($millions) | 5.0812% | 2,056 |
| Cash dividends to net income (ytd only)* | 61.1621% | 1,327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9625% | 6,285 |
| Loan loss allowance to noncurrent loans | 947.8873% | 429 |
| Noncurrent assets plus other real estate owned to assets | 0.1870% | 6,324 |
| Noncurrent loans to loans | 0.1015% | 6,412 |
| Net loans and leases to total assets | 56.7828% | 4,356 |
| Net loans and leases to deposits | 62.2061% | 4,972 |
| Net loans and leases to core deposits | 65.7426% | 5,034 |
| Total domestic deposits to total assets | 91.2816% | 360 |
| Equity capital to assets | 8.4650% | 6,247 |
| Core capital (leverage) ratio | 8.3913% | 5,802 |
| Tier 1 risk-based capital ratio | 15.8646% | 3,229 |
| Total risk-based capital ratio | 16.9013% | 3,324 |
| Memoranda: | ||
| Average total assets | $122,769,000 | 4,357 |
| Average earning assets | $116,590,330 | 4,256 |
| Average equity | $10,121,330 | 5,001 |
| Average total loans | $67,879,670 | 4,494 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6491% | 6,509 |
| Cost of funding earning assets | 1.0275% | 1,831 |
| Net interest margin | 2.6216% | 6,864 |
| Noninterest income to average assets | 0.1266% | 6,616 |
| Noninterest expense to average assets | 1.5490% | 7,014 |
| Loan and lease loss provision to assets | 0.0195% | 5,097 |
| Net operating income to assets | 1.1333% | 1,945 |
| Return on assets (ROA) | 1.1333% | 2,128 |
| Pretax return on assets | 1.0521% | 3,496 |
| Return on Equity (ROE) | 13.9314% | 1,202 |
| Retained earnings to average equity (ytd only) | -2.0358% | 6,281 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1078% | 5,754 |
| Assets per employee ($millions) | 5.1678% | 2,037 |
| Cash dividends to net income (ytd only)* | 114.6132% | 446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9770% | 6,327 |
| Loan loss allowance to noncurrent loans | 704.2105% | 518 |
| Noncurrent assets plus other real estate owned to assets | 0.2048% | 6,373 |
| Noncurrent loans to loans | 0.1387% | 6,410 |
| Net loans and leases to total assets | 54.6699% | 4,609 |
| Net loans and leases to deposits | 59.6076% | 5,198 |
| Net loans and leases to core deposits | 62.8019% | 5,246 |
| Total domestic deposits to total assets | 91.7164% | 324 |
| Equity capital to assets | 8.0466% | 6,494 |
| Core capital (leverage) ratio | 8.1880% | 6,040 |
| Tier 1 risk-based capital ratio | 16.3362% | 2,993 |
| Total risk-based capital ratio | 17.4298% | 3,043 |
| Memoranda: | ||
| Average total assets | $123,179,000 | 4,378 |
| Average earning assets | $117,179,500 | 4,266 |
| Average equity | $10,020,500 | 5,035 |
| Average total loans | $66,860,000 | 4,552 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0505% | 6,364 |
| Cost of funding earning assets | 1.2163% | 1,922 |
| Net interest margin | 2.8342% | 6,782 |
| Noninterest income to average assets | 0.1487% | 6,403 |
| Noninterest expense to average assets | 1.9343% | 6,784 |
| Loan and lease loss provision to assets | 0.0296% | 6,199 |
| Net operating income to assets | 0.8720% | 2,729 |
| Return on assets (ROA) | 0.8720% | 2,870 |
| Pretax return on assets | 0.8850% | 3,659 |
| Return on Equity (ROE) | 10.3189% | 1,949 |
| Retained earnings to average equity (ytd only) | 6.7181% | 1,632 |
| Net charge-offs to loans | -0.0426% | 7,037 |
| Credit loss provision to net charge-offs | -121.4286% | 6,711 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8975% | 4,384 |
| Assets per employee ($millions) | 5.0971% | 2,074 |
| Cash dividends to net income (ytd only)* | 34.8953% | 2,875 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0162% | 6,139 |
| Loan loss allowance to noncurrent loans | 762.0690% | 494 |
| Noncurrent assets plus other real estate owned to assets | 0.2011% | 6,455 |
| Noncurrent loans to loans | 0.1333% | 6,476 |
| Net loans and leases to total assets | 52.7933% | 5,188 |
| Net loans and leases to deposits | 57.6841% | 5,728 |
| Net loans and leases to core deposits | 60.4344% | 5,803 |
| Total domestic deposits to total assets | 91.5213% | 329 |
| Equity capital to assets | 8.2245% | 6,413 |
| Core capital (leverage) ratio | 8.4635% | 5,620 |
| Tier 1 risk-based capital ratio | 17.3561% | 2,434 |
| Total risk-based capital ratio | 18.5018% | 2,457 |
| Memoranda: | ||
| Average total assets | $115,027,600 | 4,523 |
| Average earning assets | $109,591,000 | 4,404 |
| Average equity | $9,720,000 | 5,094 |
| Average total loans | $65,794,400 | 4,640 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1559% | 6,301 |
| Cost of funding earning assets | 1.2654% | 1,899 |
| Net interest margin | 2.8905% | 6,763 |
| Noninterest income to average assets | 0.1566% | 6,475 |
| Noninterest expense to average assets | 1.8126% | 6,981 |
| Loan and lease loss provision to assets | 0.0400% | 5,940 |
| Net operating income to assets | 1.0577% | 2,116 |
| Return on assets (ROA) | 1.0577% | 2,254 |
| Pretax return on assets | 1.0588% | 3,173 |
| Return on Equity (ROE) | 12.4269% | 1,432 |
| Retained earnings to average equity (ytd only) | 7.5835% | 1,669 |
| Net charge-offs to loans | -0.0566% | 7,070 |
| Credit loss provision to net charge-offs | -121.4286% | 6,539 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2573% | 5,373 |
| Assets per employee ($millions) | 4.8515% | 2,393 |
| Cash dividends to net income (ytd only)* | 38.9760% | 2,074 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0437% | 6,076 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1366% | 6,701 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 53.9889% | 5,163 |
| Net loans and leases to deposits | 59.1997% | 5,731 |
| Net loans and leases to core deposits | 62.1827% | 5,800 |
| Total domestic deposits to total assets | 91.1978% | 379 |
| Equity capital to assets | 8.5523% | 6,246 |
| Core capital (leverage) ratio | 8.7016% | 5,408 |
| Tier 1 risk-based capital ratio | 17.1049% | 2,603 |
| Total risk-based capital ratio | 18.2460% | 2,604 |
| Memoranda: | ||
| Average total assets | $113,202,000 | 4,599 |
| Average earning assets | $107,891,500 | 4,481 |
| Average equity | $9,634,750 | 5,146 |
| Average total loans | $65,931,750 | 4,676 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2183% | 6,242 |
| Cost of funding earning assets | 1.2945% | 1,971 |
| Net interest margin | 2.9238% | 6,748 |
| Noninterest income to average assets | 0.1534% | 6,553 |
| Noninterest expense to average assets | 1.8462% | 7,020 |
| Loan and lease loss provision to assets | 0.0428% | 5,778 |
| Net operating income to assets | 1.0792% | 1,937 |
| Return on assets (ROA) | 1.0792% | 2,035 |
| Pretax return on assets | 1.0685% | 2,973 |
| Return on Equity (ROE) | 12.7007% | 1,276 |
| Retained earnings to average equity (ytd only) | 5.3532% | 2,773 |
| Net charge-offs to loans | -0.0240% | 6,863 |
| Credit loss provision to net charge-offs | -300.0000% | 6,432 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4246% | 5,516 |
| Assets per employee ($millions) | 4.6983% | 2,545 |
| Cash dividends to net income (ytd only)* | 57.8512% | 1,419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9580% | 6,489 |
| Loan loss allowance to noncurrent loans | 351.6667% | 909 |
| Noncurrent assets plus other real estate owned to assets | 0.3051% | 6,369 |
| Noncurrent loans to loans | 0.2724% | 6,380 |
| Net loans and leases to total assets | 58.0397% | 4,616 |
| Net loans and leases to deposits | 63.6482% | 5,321 |
| Net loans and leases to core deposits | 66.7765% | 5,413 |
| Total domestic deposits to total assets | 91.1883% | 432 |
| Equity capital to assets | 8.5643% | 6,111 |
| Core capital (leverage) ratio | 8.6299% | 5,347 |
| Tier 1 risk-based capital ratio | 16.6598% | 2,665 |
| Total risk-based capital ratio | 17.7529% | 2,700 |
| Memoranda: | ||
| Average total assets | $112,123,670 | 4,652 |
| Average earning assets | $107,530,670 | 4,519 |
| Average equity | $9,527,000 | 5,179 |
| Average total loans | $66,733,670 | 4,694 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2010% | 6,278 |
| Cost of funding earning assets | 1.3319% | 1,998 |
| Net interest margin | 2.8691% | 6,801 |
| Noninterest income to average assets | 0.1467% | 6,675 |
| Noninterest expense to average assets | 1.7960% | 7,147 |
| Loan and lease loss provision to assets | 0.0429% | 5,455 |
| Net operating income to assets | 1.1091% | 1,809 |
| Return on assets (ROA) | 1.1091% | 1,864 |
| Pretax return on assets | 1.0590% | 2,902 |
| Return on Equity (ROE) | 13.1051% | 1,168 |
| Retained earnings to average equity (ytd only) | 6.7639% | 2,253 |
| Net charge-offs to loans | -0.1670% | 7,224 |
| Credit loss provision to net charge-offs | -42.8571% | 5,643 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9753% | 5,682 |
| Assets per employee ($millions) | 4.6198% | 2,700 |
| Cash dividends to net income (ytd only)* | 48.3871% | 1,524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9683% | 6,493 |
| Loan loss allowance to noncurrent loans | 512.8000% | 629 |
| Noncurrent assets plus other real estate owned to assets | 0.2616% | 6,523 |
| Noncurrent loans to loans | 0.1888% | 6,590 |
| Net loans and leases to total assets | 59.1260% | 4,440 |
| Net loans and leases to deposits | 64.8729% | 5,149 |
| Net loans and leases to core deposits | 67.6616% | 5,334 |
| Total domestic deposits to total assets | 91.1414% | 556 |
| Equity capital to assets | 8.6097% | 5,763 |
| Core capital (leverage) ratio | 8.5751% | 5,301 |
| Tier 1 risk-based capital ratio | 16.3137% | 2,751 |
| Total risk-based capital ratio | 17.4085% | 2,795 |
| Memoranda: | ||
| Average total assets | $111,806,000 | 4,689 |
| Average earning assets | $107,212,000 | 4,550 |
| Average equity | $9,462,000 | 5,190 |
| Average total loans | $67,061,500 | 4,725 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4866% | 6,432 |
| Cost of funding earning assets | 1.5360% | 2,436 |
| Net interest margin | 2.9506% | 6,820 |
| Noninterest income to average assets | 0.1610% | 6,565 |
| Noninterest expense to average assets | 1.9720% | 7,068 |
| Loan and lease loss provision to assets | 0.0836% | 6,315 |
| Net operating income to assets | 0.8983% | 2,391 |
| Return on assets (ROA) | 0.8983% | 2,524 |
| Pretax return on assets | 0.9244% | 3,177 |
| Return on Equity (ROE) | 10.7639% | 1,654 |
| Retained earnings to average equity (ytd only) | 3.5988% | 3,339 |
| Net charge-offs to loans | 0.1292% | 5,606 |
| Credit loss provision to net charge-offs | 112.0482% | 3,902 |
| Earnings coverage of net charge-offs (x) | 13.5060% | 1,409 |
| Efficiency ratio | 66.1738% | 4,938 |
| Assets per employee ($millions) | 4.6974% | 2,561 |
| Cash dividends to net income (ytd only)* | 66.5666% | 1,364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8848% | 6,764 |
| Loan loss allowance to noncurrent loans | 174.2029% | 1,711 |
| Noncurrent assets plus other real estate owned to assets | 0.4550% | 6,142 |
| Noncurrent loans to loans | 0.5079% | 6,020 |
| Net loans and leases to total assets | 59.7186% | 4,724 |
| Net loans and leases to deposits | 65.3184% | 5,480 |
| Net loans and leases to core deposits | 67.4045% | 5,726 |
| Total domestic deposits to total assets | 91.4269% | 419 |
| Equity capital to assets | 8.3185% | 6,118 |
| Core capital (leverage) ratio | 8.3641% | 5,592 |
| Tier 1 risk-based capital ratio | 15.4234% | 3,033 |
| Total risk-based capital ratio | 16.4105% | 3,108 |
| Memoranda: | ||
| Average total assets | $111,207,200 | 4,679 |
| Average earning assets | $106,248,800 | 4,555 |
| Average equity | $9,281,000 | 5,333 |
| Average total loans | $64,244,000 | 4,903 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5389% | 6,501 |
| Cost of funding earning assets | 1.5663% | 2,572 |
| Net interest margin | 2.9726% | 6,887 |
| Noninterest income to average assets | 0.1588% | 6,729 |
| Noninterest expense to average assets | 1.8587% | 7,253 |
| Loan and lease loss provision to assets | 0.0505% | 6,576 |
| Net operating income to assets | 1.0659% | 2,016 |
| Return on assets (ROA) | 1.0659% | 2,128 |
| Pretax return on assets | 1.0876% | 2,863 |
| Return on Equity (ROE) | 12.7615% | 1,325 |
| Retained earnings to average equity (ytd only) | 4.8396% | 3,089 |
| Net charge-offs to loans | 0.0969% | 5,560 |
| Credit loss provision to net charge-offs | 91.3043% | 4,715 |
| Earnings coverage of net charge-offs (x) | 20.5658% | 1,159 |
| Efficiency ratio | 62.0233% | 5,615 |
| Assets per employee ($millions) | 4.5656% | 2,802 |
| Cash dividends to net income (ytd only)* | 62.0774% | 1,174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8982% | 6,753 |
| Loan loss allowance to noncurrent loans | 141.7874% | 1,997 |
| Noncurrent assets plus other real estate owned to assets | 0.6069% | 5,916 |
| Noncurrent loans to loans | 0.6335% | 5,940 |
| Net loans and leases to total assets | 59.1098% | 5,083 |
| Net loans and leases to deposits | 64.8423% | 5,804 |
| Net loans and leases to core deposits | 66.9883% | 6,036 |
| Total domestic deposits to total assets | 91.1594% | 393 |
| Equity capital to assets | 8.5705% | 6,193 |
| Core capital (leverage) ratio | 8.4961% | 5,513 |
| Tier 1 risk-based capital ratio | 16.2391% | 2,655 |
| Total risk-based capital ratio | 17.2538% | 2,711 |
| Memoranda: | ||
| Average total assets | $110,824,750 | 4,745 |
| Average earning assets | $105,809,250 | 4,615 |
| Average equity | $9,256,750 | 5,414 |
| Average total loans | $63,323,500 | 5,009 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5505% | 6,589 |
| Cost of funding earning assets | 1.5786% | 2,780 |
| Net interest margin | 2.9719% | 6,891 |
| Noninterest income to average assets | 0.1654% | 6,720 |
| Noninterest expense to average assets | 1.8338% | 7,352 |
| Loan and lease loss provision to assets | 0.0539% | 6,419 |
| Net operating income to assets | 1.0877% | 1,895 |
| Return on assets (ROA) | 1.0877% | 1,964 |
| Pretax return on assets | 1.1039% | 2,774 |
| Return on Equity (ROE) | 13.1350% | 1,205 |
| Retained earnings to average equity (ytd only) | 5.5363% | 2,591 |
| Net charge-offs to loans | 0.1309% | 4,898 |
| Credit loss provision to net charge-offs | 73.1707% | 4,886 |
| Earnings coverage of net charge-offs (x) | 15.7073% | 1,442 |
| Efficiency ratio | 61.2981% | 5,811 |
| Assets per employee ($millions) | 4.6026% | 2,723 |
| Cash dividends to net income (ytd only)* | 57.8512% | 1,392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9083% | 6,728 |
| Loan loss allowance to noncurrent loans | 105.0725% | 2,637 |
| Noncurrent assets plus other real estate owned to assets | 0.5595% | 6,074 |
| Noncurrent loans to loans | 0.8644% | 5,541 |
| Net loans and leases to total assets | 57.2858% | 5,524 |
| Net loans and leases to deposits | 62.7438% | 6,164 |
| Net loans and leases to core deposits | 64.7853% | 6,336 |
| Total domestic deposits to total assets | 91.3011% | 387 |
| Equity capital to assets | 8.4264% | 6,259 |
| Core capital (leverage) ratio | 8.3710% | 5,628 |
| Tier 1 risk-based capital ratio | 15.9415% | 2,701 |
| Total risk-based capital ratio | 16.9343% | 2,778 |
| Memoranda: | ||
| Average total assets | $111,241,670 | 4,768 |
| Average earning assets | $105,791,000 | 4,650 |
| Average equity | $9,212,000 | 5,443 |
| Average total loans | $62,646,000 | 5,074 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4519% | 6,892 |
| Cost of funding earning assets | 1.5975% | 2,979 |
| Net interest margin | 2.8544% | 7,091 |
| Noninterest income to average assets | 0.1756% | 6,703 |
| Noninterest expense to average assets | 1.8203% | 7,445 |
| Loan and lease loss provision to assets | 0.0430% | 6,250 |
| Net operating income to assets | 1.0248% | 2,094 |
| Return on assets (ROA) | 1.0248% | 2,153 |
| Pretax return on assets | 1.0141% | 3,038 |
| Return on Equity (ROE) | 12.4836% | 1,374 |
| Retained earnings to average equity (ytd only) | 5.9363% | 2,649 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2628% | 5,618 |
| Assets per employee ($millions) | 4.6838% | 2,670 |
| Cash dividends to net income (ytd only)* | 52.4476% | 1,423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9772% | 6,571 |
| Loan loss allowance to noncurrent loans | 99.6694% | 2,788 |
| Noncurrent assets plus other real estate owned to assets | 0.5969% | 6,023 |
| Noncurrent loans to loans | 0.9805% | 5,366 |
| Net loans and leases to total assets | 54.3573% | 5,983 |
| Net loans and leases to deposits | 59.3804% | 6,523 |
| Net loans and leases to core deposits | 60.6560% | 6,698 |
| Total domestic deposits to total assets | 91.5408% | 360 |
| Equity capital to assets | 8.2146% | 6,416 |
| Core capital (leverage) ratio | 8.3318% | 5,686 |
| Tier 1 risk-based capital ratio | 16.4009% | 2,485 |
| Total risk-based capital ratio | 17.4765% | 2,512 |
| Memoranda: | ||
| Average total assets | $111,631,500 | 4,831 |
| Average earning assets | $105,662,000 | 4,717 |
| Average equity | $9,164,000 | 5,494 |
| Average total loans | $62,039,500 | 5,180 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7596% | 7,027 |
| Cost of funding earning assets | 1.9128% | 3,392 |
| Net interest margin | 2.8468% | 6,979 |
| Noninterest income to average assets | 0.1866% | 6,754 |
| Noninterest expense to average assets | 2.0016% | 7,369 |
| Loan and lease loss provision to assets | 0.0919% | 6,682 |
| Net operating income to assets | 0.8052% | 2,520 |
| Return on assets (ROA) | 0.8052% | 2,602 |
| Pretax return on assets | 0.8071% | 3,220 |
| Return on Equity (ROE) | 9.3065% | 1,920 |
| Retained earnings to average equity (ytd only) | 2.0803% | 3,648 |
| Net charge-offs to loans | 0.2883% | 4,831 |
| Credit loss provision to net charge-offs | 55.7471% | 6,683 |
| Earnings coverage of net charge-offs (x) | 5.4540% | 2,595 |
| Efficiency ratio | 69.0072% | 4,826 |
| Assets per employee ($millions) | 4.6189% | 2,734 |
| Cash dividends to net income (ytd only)* | 77.6471% | 1,264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9475% | 6,646 |
| Loan loss allowance to noncurrent loans | 99.4949% | 2,826 |
| Noncurrent assets plus other real estate owned to assets | 0.5954% | 5,974 |
| Noncurrent loans to loans | 0.9523% | 5,403 |
| Net loans and leases to total assets | 55.7333% | 5,993 |
| Net loans and leases to deposits | 60.8642% | 6,575 |
| Net loans and leases to core deposits | 67.3124% | 6,914 |
| Total domestic deposits to total assets | 91.5699% | 359 |
| Equity capital to assets | 8.2037% | 6,338 |
| Core capital (leverage) ratio | 8.3077% | 5,596 |
| Tier 1 risk-based capital ratio | 15.2982% | 2,798 |
| Total risk-based capital ratio | 16.2965% | 2,868 |
| Memoranda: | ||
| Average total assets | $105,566,600 | 4,941 |
| Average earning assets | $100,639,600 | 4,828 |
| Average equity | $9,133,400 | 5,568 |
| Average total loans | $60,359,400 | 5,237 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8377% | 7,031 |
| Cost of funding earning assets | 1.9557% | 3,588 |
| Net interest margin | 2.8820% | 6,894 |
| Noninterest income to average assets | 0.1842% | 6,909 |
| Noninterest expense to average assets | 1.9646% | 7,448 |
| Loan and lease loss provision to assets | 0.0448% | 6,923 |
| Net operating income to assets | 0.9426% | 2,259 |
| Return on assets (ROA) | 0.9426% | 2,325 |
| Pretax return on assets | 0.9324% | 3,123 |
| Return on Equity (ROE) | 10.7472% | 1,692 |
| Retained earnings to average equity (ytd only) | 7.1016% | 1,462 |
| Net charge-offs to loans | 0.1648% | 5,071 |
| Credit loss provision to net charge-offs | 47.2973% | 6,353 |
| Earnings coverage of net charge-offs (x) | 10.3248% | 1,974 |
| Efficiency ratio | 66.7826% | 5,229 |
| Assets per employee ($millions) | 4.2718% | 3,251 |
| Cash dividends to net income (ytd only)* | 33.9219% | 2,714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0492% | 6,012 |
| Loan loss allowance to noncurrent loans | 89.4737% | 3,069 |
| Noncurrent assets plus other real estate owned to assets | 0.6583% | 5,824 |
| Noncurrent loans to loans | 1.1726% | 4,984 |
| Net loans and leases to total assets | 55.5485% | 6,191 |
| Net loans and leases to deposits | 61.0998% | 6,744 |
| Net loans and leases to core deposits | 67.0968% | 7,109 |
| Total domestic deposits to total assets | 90.9144% | 444 |
| Equity capital to assets | 8.8075% | 5,779 |
| Core capital (leverage) ratio | 8.6616% | 5,205 |
| Tier 1 risk-based capital ratio | 16.7845% | 2,339 |
| Total risk-based capital ratio | 17.9132% | 2,321 |
| Memoranda: | ||
| Average total assets | $104,245,000 | 5,009 |
| Average earning assets | $99,741,250 | 4,873 |
| Average equity | $9,143,250 | 5,617 |
| Average total loans | $59,856,000 | 5,295 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9428% | 6,940 |
| Cost of funding earning assets | 2.0034% | 3,765 |
| Net interest margin | 2.9393% | 6,710 |
| Noninterest income to average assets | 0.1818% | 6,994 |
| Noninterest expense to average assets | 2.0659% | 7,344 |
| Loan and lease loss provision to assets | 0.0445% | 6,789 |
| Net operating income to assets | 0.9014% | 2,453 |
| Return on assets (ROA) | 0.9014% | 2,555 |
| Pretax return on assets | 0.8782% | 3,410 |
| Return on Equity (ROE) | 10.2919% | 1,916 |
| Retained earnings to average equity (ytd only) | 4.7705% | 2,655 |
| Net charge-offs to loans | 0.2039% | 4,253 |
| Credit loss provision to net charge-offs | 37.7049% | 5,935 |
| Earnings coverage of net charge-offs (x) | 7.8197% | 2,379 |
| Efficiency ratio | 69.1262% | 4,952 |
| Assets per employee ($millions) | 4.1294% | 3,436 |
| Cash dividends to net income (ytd only)* | 53.6481% | 1,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0434% | 5,952 |
| Loan loss allowance to noncurrent loans | 113.1059% | 2,596 |
| Noncurrent assets plus other real estate owned to assets | 0.5396% | 6,082 |
| Noncurrent loans to loans | 0.9225% | 5,372 |
| Net loans and leases to total assets | 57.8753% | 5,977 |
| Net loans and leases to deposits | 63.7165% | 6,590 |
| Net loans and leases to core deposits | 70.1001% | 7,012 |
| Total domestic deposits to total assets | 90.8325% | 513 |
| Equity capital to assets | 8.8479% | 5,528 |
| Core capital (leverage) ratio | 8.8034% | 4,939 |
| Tier 1 risk-based capital ratio | 16.3263% | 2,509 |
| Total risk-based capital ratio | 17.4587% | 2,495 |
| Memoranda: | ||
| Average total assets | $103,395,000 | 5,068 |
| Average earning assets | $98,730,330 | 4,930 |
| Average equity | $9,055,670 | 5,664 |
| Average total loans | $59,824,000 | 5,342 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9612% | 7,030 |
| Cost of funding earning assets | 2.0533% | 3,854 |
| Net interest margin | 2.9079% | 6,726 |
| Noninterest income to average assets | 0.2126% | 6,776 |
| Noninterest expense to average assets | 1.9251% | 7,502 |
| Loan and lease loss provision to assets | 0.0348% | 6,505 |
| Net operating income to assets | 1.0785% | 2,037 |
| Return on assets (ROA) | 1.0785% | 2,168 |
| Pretax return on assets | 1.0283% | 3,254 |
| Return on Equity (ROE) | 12.3773% | 1,547 |
| Retained earnings to average equity (ytd only) | 7.9410% | 1,835 |
| Net charge-offs to loans | 0.0940% | 4,237 |
| Credit loss provision to net charge-offs | 64.2857% | 4,450 |
| Earnings coverage of net charge-offs (x) | 19.6429% | 1,413 |
| Efficiency ratio | 64.4243% | 5,605 |
| Assets per employee ($millions) | 4.1253% | 3,410 |
| Cash dividends to net income (ytd only)* | 35.8423% | 2,173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1121% | 5,384 |
| Loan loss allowance to noncurrent loans | 59.1436% | 4,644 |
| Noncurrent assets plus other real estate owned to assets | 1.0870% | 4,512 |
| Noncurrent loans to loans | 1.8804% | 3,441 |
| Net loans and leases to total assets | 57.1627% | 6,073 |
| Net loans and leases to deposits | 62.8805% | 6,656 |
| Net loans and leases to core deposits | 69.3801% | 7,056 |
| Total domestic deposits to total assets | 90.9068% | 444 |
| Equity capital to assets | 8.8295% | 5,574 |
| Core capital (leverage) ratio | 8.7903% | 5,008 |
| Tier 1 risk-based capital ratio | 16.2680% | 2,588 |
| Total risk-based capital ratio | 17.4603% | 2,553 |
| Memoranda: | ||
| Average total assets | $103,475,500 | 5,086 |
| Average earning assets | $98,767,000 | 4,954 |
| Average equity | $9,016,500 | 5,700 |
| Average total loans | $59,547,500 | 5,382 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6040% | 7,050 |
| Cost of funding earning assets | 2.6532% | 3,401 |
| Net interest margin | 2.9507% | 7,029 |
| Noninterest income to average assets | 0.2357% | 6,755 |
| Noninterest expense to average assets | 1.8770% | 7,654 |
| Loan and lease loss provision to assets | 0.1041% | 6,049 |
| Net operating income to assets | 1.0118% | 2,503 |
| Return on assets (ROA) | 1.0118% | 2,390 |
| Pretax return on assets | 1.0336% | 3,260 |
| Return on Equity (ROE) | 11.9943% | 1,597 |
| Retained earnings to average equity (ytd only) | 2.0757% | 3,943 |
| Net charge-offs to loans | 0.1554% | 4,640 |
| Credit loss provision to net charge-offs | 119.5652% | 4,498 |
| Earnings coverage of net charge-offs (x) | 13.0652% | 2,176 |
| Efficiency ratio | 62.2606% | 5,903 |
| Assets per employee ($millions) | 4.1528% | 3,205 |
| Cash dividends to net income (ytd only)* | 82.6941% | 1,578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1231% | 5,112 |
| Loan loss allowance to noncurrent loans | 77.0473% | 4,244 |
| Noncurrent assets plus other real estate owned to assets | 0.8351% | 4,763 |
| Noncurrent loans to loans | 1.4577% | 3,614 |
| Net loans and leases to total assets | 56.6476% | 6,365 |
| Net loans and leases to deposits | 62.1536% | 6,934 |
| Net loans and leases to core deposits | 68.1732% | 7,278 |
| Total domestic deposits to total assets | 91.1413% | 288 |
| Equity capital to assets | 8.5986% | 5,938 |
| Core capital (leverage) ratio | 8.5853% | 5,411 |
| Tier 1 risk-based capital ratio | 15.8699% | 2,719 |
| Total risk-based capital ratio | 17.0655% | 2,677 |
| Memoranda: | ||
| Average total assets | $105,648,200 | 4,886 |
| Average earning assets | $99,501,000 | 4,816 |
| Average equity | $8,912,600 | 5,768 |
| Average total loans | $59,208,600 | 5,305 |