Home > The La Porte Savings Bank > Performance and Condition Ratios
The La Porte Savings Bank, Performance and Condition Ratios
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2705% | 2,252 |
| Cost of funding earning assets | 0.5995% | 1,315 |
| Net interest margin | 3.6710% | 2,822 |
| Noninterest income to average assets | 0.5145% | 3,097 |
| Noninterest expense to average assets | 2.7444% | 3,221 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.6448% | 4,069 |
| Return on assets (ROA) | 1.4138% | 1,090 |
| Pretax return on assets | 2.0470% | 522 |
| Return on Equity (ROE) | 9.6258% | 2,216 |
| Retained earnings to average equity (ytd only) | 2.1206% | 4,510 |
| Net charge-offs to loans | 0.0088% | 3,399 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 162.8667% | 389 |
| Efficiency ratio | 74.4213% | 2,303 |
| Assets per employee ($millions) | 4.6602% | 2,780 |
| Cash dividends to net income (ytd only)* | 77.9698% | 941 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0871% | 4,018 |
| Loan loss allowance to noncurrent loans | 148.4413% | 2,889 |
| Noncurrent assets plus other real estate owned to assets | 0.8537% | 2,451 |
| Noncurrent loans to loans | 0.7324% | 2,906 |
| Net loans and leases to total assets | 63.6550% | 3,416 |
| Net loans and leases to deposits | 90.0980% | 1,744 |
| Net loans and leases to core deposits | 93.4760% | 2,216 |
| Total domestic deposits to total assets | 70.6508% | 5,749 |
| Equity capital to assets | 14.7532% | 801 |
| Core capital (leverage) ratio | 13.2353% | 1,072 |
| Tier 1 risk-based capital ratio | 18.1259% | 1,898 |
| Total risk-based capital ratio | 19.0771% | 1,942 |
| Memoranda: | ||
| Average total assets | $523,974,000 | 1,323 |
| Average earning assets | $451,377,330 | 1,425 |
| Average equity | $76,960,000 | 1,034 |
| Average total loans | $341,135,670 | 1,366 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0967% | 2,853 |
| Cost of funding earning assets | 0.5417% | 1,778 |
| Net interest margin | 3.5551% | 3,254 |
| Noninterest income to average assets | 0.5052% | 3,083 |
| Noninterest expense to average assets | 2.8119% | 3,023 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.7062% | 3,684 |
| Return on assets (ROA) | 0.7062% | 3,802 |
| Pretax return on assets | 0.9292% | 3,733 |
| Return on Equity (ROE) | 4.8187% | 4,569 |
| Retained earnings to average equity (ytd only) | 4.8187% | 3,054 |
| Net charge-offs to loans | -0.0023% | 4,133 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9392% | 2,334 |
| Assets per employee ($millions) | 4.6865% | 2,766 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0639% | 4,264 |
| Loan loss allowance to noncurrent loans | 150.1859% | 2,768 |
| Noncurrent assets plus other real estate owned to assets | 0.8826% | 2,480 |
| Noncurrent loans to loans | 0.7084% | 3,077 |
| Net loans and leases to total assets | 64.9993% | 3,107 |
| Net loans and leases to deposits | 92.8772% | 1,240 |
| Net loans and leases to core deposits | 96.3572% | 1,761 |
| Total domestic deposits to total assets | 69.9842% | 5,866 |
| Equity capital to assets | 15.0176% | 690 |
| Core capital (leverage) ratio | 13.3679% | 1,034 |
| Tier 1 risk-based capital ratio | 17.7341% | 2,056 |
| Total risk-based capital ratio | 18.6710% | 2,113 |
| Memoranda: | ||
| Average total assets | $527,321,500 | 1,322 |
| Average earning assets | $479,992,000 | 1,323 |
| Average equity | $77,282,500 | 1,033 |
| Average total loans | $345,257,000 | 1,347 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8932% | 3,730 |
| Cost of funding earning assets | 0.5238% | 1,969 |
| Net interest margin | 3.3694% | 4,038 |
| Noninterest income to average assets | 0.5455% | 3,037 |
| Noninterest expense to average assets | 2.6310% | 3,816 |
| Loan and lease loss provision to assets | 0.0487% | 3,357 |
| Net operating income to assets | 0.7109% | 3,761 |
| Return on assets (ROA) | 0.7248% | 3,794 |
| Pretax return on assets | 0.9563% | 3,626 |
| Return on Equity (ROE) | 5.0575% | 4,477 |
| Retained earnings to average equity (ytd only) | 3.0590% | 3,881 |
| Net charge-offs to loans | 0.0642% | 2,941 |
| Credit loss provision to net charge-offs | 118.0556% | 2,182 |
| Earnings coverage of net charge-offs (x) | 23.9213% | 1,702 |
| Efficiency ratio | 72.4586% | 2,836 |
| Assets per employee ($millions) | 4.8586% | 2,519 |
| Cash dividends to net income (ytd only)* | 39.5153% | 2,862 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0420% | 4,372 |
| Loan loss allowance to noncurrent loans | 154.7041% | 2,739 |
| Noncurrent assets plus other real estate owned to assets | 0.8512% | 2,542 |
| Noncurrent loans to loans | 0.6735% | 3,175 |
| Net loans and leases to total assets | 64.5752% | 3,190 |
| Net loans and leases to deposits | 87.4909% | 1,933 |
| Net loans and leases to core deposits | 93.3857% | 2,101 |
| Total domestic deposits to total assets | 73.8079% | 5,666 |
| Equity capital to assets | 14.3034% | 833 |
| Core capital (leverage) ratio | 13.3055% | 1,039 |
| Tier 1 risk-based capital ratio | 17.0555% | 2,263 |
| Total risk-based capital ratio | 17.9726% | 2,336 |
| Memoranda: | ||
| Average total assets | $523,712,200 | 1,291 |
| Average earning assets | $477,499,800 | 1,294 |
| Average equity | $75,056,400 | 1,018 |
| Average total loans | $336,500,800 | 1,328 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8502% | 3,937 |
| Cost of funding earning assets | 0.5217% | 2,026 |
| Net interest margin | 3.3285% | 4,221 |
| Noninterest income to average assets | 0.5292% | 3,171 |
| Noninterest expense to average assets | 2.6148% | 3,817 |
| Loan and lease loss provision to assets | 0.0653% | 2,880 |
| Net operating income to assets | 0.6843% | 3,971 |
| Return on assets (ROA) | 0.7032% | 4,002 |
| Pretax return on assets | 0.9102% | 3,950 |
| Return on Equity (ROE) | 4.9042% | 4,667 |
| Retained earnings to average equity (ytd only) | 2.2272% | 4,767 |
| Net charge-offs to loans | 0.0692% | 2,573 |
| Credit loss provision to net charge-offs | 147.3988% | 1,708 |
| Earnings coverage of net charge-offs (x) | 21.4798% | 1,824 |
| Efficiency ratio | 73.0444% | 2,709 |
| Assets per employee ($millions) | 4.7480% | 2,625 |
| Cash dividends to net income (ytd only)* | 54.5851% | 1,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0280% | 4,596 |
| Loan loss allowance to noncurrent loans | 101.2948% | 3,653 |
| Noncurrent assets plus other real estate owned to assets | 0.7806% | 2,940 |
| Noncurrent loans to loans | 1.0149% | 2,447 |
| Net loans and leases to total assets | 65.9784% | 3,016 |
| Net loans and leases to deposits | 103.0947% | 491 |
| Net loans and leases to core deposits | 109.6725% | 895 |
| Total domestic deposits to total assets | 63.9979% | 6,128 |
| Equity capital to assets | 14.0269% | 1,010 |
| Core capital (leverage) ratio | 13.2488% | 1,112 |
| Tier 1 risk-based capital ratio | 16.4939% | 2,580 |
| Total risk-based capital ratio | 17.4090% | 2,683 |
| Memoranda: | ||
| Average total assets | $521,028,500 | 1,303 |
| Average earning assets | $475,321,000 | 1,306 |
| Average equity | $74,709,500 | 1,027 |
| Average total loans | $333,437,500 | 1,347 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8593% | 3,828 |
| Cost of funding earning assets | 0.4849% | 2,390 |
| Net interest margin | 3.3745% | 3,988 |
| Noninterest income to average assets | 0.5246% | 3,199 |
| Noninterest expense to average assets | 2.6290% | 3,820 |
| Loan and lease loss provision to assets | 0.0601% | 2,904 |
| Net operating income to assets | 0.7088% | 3,848 |
| Return on assets (ROA) | 0.7324% | 3,836 |
| Pretax return on assets | 0.9390% | 3,815 |
| Return on Equity (ROE) | 5.0693% | 4,588 |
| Retained earnings to average equity (ytd only) | 5.0693% | 2,818 |
| Net charge-offs to loans | 0.0123% | 3,487 |
| Credit loss provision to net charge-offs | 775.0000% | 440 |
| Earnings coverage of net charge-offs (x) | 124.9500% | 505 |
| Efficiency ratio | 72.7802% | 2,883 |
| Assets per employee ($millions) | 4.5966% | 2,835 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1195% | 4,227 |
| Loan loss allowance to noncurrent loans | 95.9362% | 3,804 |
| Noncurrent assets plus other real estate owned to assets | 0.8636% | 2,824 |
| Noncurrent loans to loans | 1.1669% | 2,316 |
| Net loans and leases to total assets | 63.9950% | 3,265 |
| Net loans and leases to deposits | 92.5925% | 1,306 |
| Net loans and leases to core deposits | 101.2231% | 1,385 |
| Total domestic deposits to total assets | 69.1147% | 6,072 |
| Equity capital to assets | 14.6649% | 779 |
| Core capital (leverage) ratio | 13.2479% | 1,071 |
| Tier 1 risk-based capital ratio | 17.6552% | 2,169 |
| Total risk-based capital ratio | 18.6431% | 2,212 |
| Memoranda: | ||
| Average total assets | $515,862,330 | 1,321 |
| Average earning assets | $469,823,000 | 1,330 |
| Average equity | $74,526,670 | 1,033 |
| Average total loans | $325,360,330 | 1,378 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7981% | 4,017 |
| Cost of funding earning assets | 0.4715% | 2,550 |
| Net interest margin | 3.3266% | 4,104 |
| Noninterest income to average assets | 0.4268% | 3,786 |
| Noninterest expense to average assets | 2.6623% | 3,714 |
| Loan and lease loss provision to assets | 0.0813% | 2,343 |
| Net operating income to assets | 0.5752% | 4,388 |
| Return on assets (ROA) | 0.6065% | 4,355 |
| Pretax return on assets | 0.7498% | 4,429 |
| Return on Equity (ROE) | 4.2301% | 4,879 |
| Retained earnings to average equity (ytd only) | 4.2301% | 3,473 |
| Net charge-offs to loans | 0.0311% | 2,565 |
| Credit loss provision to net charge-offs | 420.0000% | 629 |
| Earnings coverage of net charge-offs (x) | 40.9200% | 961 |
| Efficiency ratio | 76.7489% | 2,386 |
| Assets per employee ($millions) | 4.8215% | 2,593 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1055% | 4,487 |
| Loan loss allowance to noncurrent loans | 87.6879% | 3,982 |
| Noncurrent assets plus other real estate owned to assets | 0.9491% | 2,724 |
| Noncurrent loans to loans | 1.2608% | 2,266 |
| Net loans and leases to total assets | 63.1319% | 3,218 |
| Net loans and leases to deposits | 92.0852% | 1,174 |
| Net loans and leases to core deposits | 102.0345% | 1,174 |
| Total domestic deposits to total assets | 68.5581% | 6,182 |
| Equity capital to assets | 14.3467% | 875 |
| Core capital (leverage) ratio | 13.3802% | 1,018 |
| Tier 1 risk-based capital ratio | 17.3469% | 2,360 |
| Total risk-based capital ratio | 18.3233% | 2,411 |
| Memoranda: | ||
| Average total assets | $516,386,000 | 1,326 |
| Average earning assets | $470,023,500 | 1,339 |
| Average equity | $74,041,500 | 1,042 |
| Average total loans | $321,447,500 | 1,393 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8071% | 4,470 |
| Cost of funding earning assets | 0.6139% | 1,646 |
| Net interest margin | 3.1932% | 4,946 |
| Noninterest income to average assets | 0.4656% | 3,746 |
| Noninterest expense to average assets | 2.5501% | 4,399 |
| Loan and lease loss provision to assets | -0.0291% | 5,960 |
| Net operating income to assets | 0.6930% | 3,929 |
| Return on assets (ROA) | 0.7098% | 3,957 |
| Pretax return on assets | 0.8620% | 4,026 |
| Return on Equity (ROE) | 5.0290% | 4,645 |
| Retained earnings to average equity (ytd only) | -0.4642% | 5,845 |
| Net charge-offs to loans | 0.0525% | 3,780 |
| Credit loss provision to net charge-offs | -93.7500% | 5,507 |
| Earnings coverage of net charge-offs (x) | 26.1938% | 1,472 |
| Efficiency ratio | 75.4367% | 2,608 |
| Assets per employee ($millions) | 4.6130% | 2,854 |
| Cash dividends to net income (ytd only)* | 109.2299% | 269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1579% | 4,235 |
| Loan loss allowance to noncurrent loans | 81.2797% | 4,202 |
| Noncurrent assets plus other real estate owned to assets | 0.9905% | 2,774 |
| Noncurrent loans to loans | 1.4246% | 2,065 |
| Net loans and leases to total assets | 59.9323% | 3,798 |
| Net loans and leases to deposits | 88.8017% | 1,639 |
| Net loans and leases to core deposits | 97.3373% | 1,607 |
| Total domestic deposits to total assets | 67.4900% | 6,283 |
| Equity capital to assets | 14.3300% | 865 |
| Core capital (leverage) ratio | 12.9866% | 1,148 |
| Tier 1 risk-based capital ratio | 18.1448% | 2,095 |
| Total risk-based capital ratio | 19.1619% | 2,133 |
| Memoranda: | ||
| Average total assets | $515,911,000 | 1,304 |
| Average earning assets | $468,025,600 | 1,312 |
| Average equity | $72,817,000 | 1,003 |
| Average total loans | $304,633,600 | 1,412 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8005% | 4,543 |
| Cost of funding earning assets | 0.6369% | 1,548 |
| Net interest margin | 3.1637% | 5,082 |
| Noninterest income to average assets | 0.4733% | 3,727 |
| Noninterest expense to average assets | 2.4890% | 4,563 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.6912% | 3,985 |
| Return on assets (ROA) | 0.7140% | 3,968 |
| Pretax return on assets | 0.8801% | 4,075 |
| Return on Equity (ROE) | 5.0780% | 4,685 |
| Retained earnings to average equity (ytd only) | -2.2602% | 6,094 |
| Net charge-offs to loans | 0.0699% | 3,198 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 20.7740% | 1,707 |
| Efficiency ratio | 74.0812% | 2,808 |
| Assets per employee ($millions) | 4.5363% | 2,901 |
| Cash dividends to net income (ytd only)* | 144.5088% | 147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2407% | 4,017 |
| Loan loss allowance to noncurrent loans | 81.4171% | 4,154 |
| Noncurrent assets plus other real estate owned to assets | 0.9769% | 3,012 |
| Noncurrent loans to loans | 1.5238% | 2,124 |
| Net loans and leases to total assets | 59.2194% | 3,900 |
| Net loans and leases to deposits | 85.6905% | 1,939 |
| Net loans and leases to core deposits | 92.7707% | 1,974 |
| Total domestic deposits to total assets | 69.1085% | 6,312 |
| Equity capital to assets | 14.3327% | 900 |
| Core capital (leverage) ratio | 12.3794% | 1,476 |
| Tier 1 risk-based capital ratio | 18.1170% | 2,176 |
| Total risk-based capital ratio | 19.2055% | 2,187 |
| Memoranda: | ||
| Average total assets | $516,877,250 | 1,315 |
| Average earning assets | $468,518,750 | 1,319 |
| Average equity | $72,677,250 | 1,003 |
| Average total loans | $303,173,000 | 1,419 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7008% | 4,863 |
| Cost of funding earning assets | 0.6338% | 1,627 |
| Net interest margin | 3.0670% | 5,355 |
| Noninterest income to average assets | 0.4443% | 3,908 |
| Noninterest expense to average assets | 2.4929% | 4,596 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.6035% | 4,343 |
| Return on assets (ROA) | 0.6353% | 4,284 |
| Pretax return on assets | 0.7669% | 4,394 |
| Return on Equity (ROE) | 4.5466% | 4,892 |
| Retained earnings to average equity (ytd only) | 4.5466% | 3,280 |
| Net charge-offs to loans | 0.0949% | 2,722 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 13.1875% | 1,992 |
| Efficiency ratio | 76.9561% | 2,460 |
| Assets per employee ($millions) | 4.7950% | 2,480 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1943% | 4,450 |
| Loan loss allowance to noncurrent loans | 70.1287% | 4,500 |
| Noncurrent assets plus other real estate owned to assets | 1.1806% | 2,721 |
| Noncurrent loans to loans | 1.7030% | 2,034 |
| Net loans and leases to total assets | 58.9913% | 3,861 |
| Net loans and leases to deposits | 86.5538% | 1,765 |
| Net loans and leases to core deposits | 93.6127% | 1,807 |
| Total domestic deposits to total assets | 68.1556% | 6,419 |
| Equity capital to assets | 14.2075% | 899 |
| Core capital (leverage) ratio | 13.0067% | 1,151 |
| Tier 1 risk-based capital ratio | 18.0130% | 2,235 |
| Total risk-based capital ratio | 19.0577% | 2,279 |
| Memoranda: | ||
| Average total assets | $521,325,000 | 1,287 |
| Average earning assets | $472,058,330 | 1,302 |
| Average equity | $72,846,330 | 999 |
| Average total loans | $303,585,330 | 1,417 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6212% | 5,099 |
| Cost of funding earning assets | 0.6211% | 1,801 |
| Net interest margin | 3.0001% | 5,520 |
| Noninterest income to average assets | 0.3936% | 4,241 |
| Noninterest expense to average assets | 2.5493% | 4,453 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.5018% | 4,680 |
| Return on assets (ROA) | 0.5086% | 4,725 |
| Pretax return on assets | 0.5735% | 4,923 |
| Return on Equity (ROE) | 3.6713% | 5,188 |
| Retained earnings to average equity (ytd only) | 3.6713% | 3,930 |
| Net charge-offs to loans | 0.0497% | 2,686 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 19.8108% | 1,357 |
| Efficiency ratio | 81.3925% | 2,002 |
| Assets per employee ($millions) | 4.6637% | 2,714 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2999% | 4,121 |
| Loan loss allowance to noncurrent loans | 74.5423% | 4,350 |
| Noncurrent assets plus other real estate owned to assets | 1.1664% | 2,927 |
| Noncurrent loans to loans | 1.7439% | 2,217 |
| Net loans and leases to total assets | 56.7324% | 4,043 |
| Net loans and leases to deposits | 85.0709% | 1,714 |
| Net loans and leases to core deposits | 89.9384% | 1,910 |
| Total domestic deposits to total assets | 66.6884% | 6,544 |
| Equity capital to assets | 14.0474% | 901 |
| Core capital (leverage) ratio | 13.1469% | 1,106 |
| Tier 1 risk-based capital ratio | 18.1766% | 2,218 |
| Total risk-based capital ratio | 19.2855% | 2,257 |
| Memoranda: | ||
| Average total assets | $518,264,500 | 1,299 |
| Average earning assets | $470,123,500 | 1,314 |
| Average equity | $71,801,000 | 1,013 |
| Average total loans | $297,924,000 | 1,451 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9383% | 4,325 |
| Cost of funding earning assets | 0.7077% | 1,761 |
| Net interest margin | 3.2306% | 4,893 |
| Noninterest income to average assets | 0.4631% | 4,006 |
| Noninterest expense to average assets | 2.4040% | 5,059 |
| Loan and lease loss provision to assets | 0.0012% | 5,079 |
| Net operating income to assets | 0.7526% | 3,535 |
| Return on assets (ROA) | 0.8642% | 3,034 |
| Pretax return on assets | 1.1378% | 2,816 |
| Return on Equity (ROE) | 5.7342% | 4,253 |
| Retained earnings to average equity (ytd only) | 0.3092% | 5,704 |
| Net charge-offs to loans | 0.1391% | 3,415 |
| Credit loss provision to net charge-offs | 1.4670% | 4,693 |
| Earnings coverage of net charge-offs (x) | 11.8704% | 2,192 |
| Efficiency ratio | 70.2473% | 3,799 |
| Assets per employee ($millions) | 4.5917% | 2,732 |
| Cash dividends to net income (ytd only)* | 94.6074% | 540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3091% | 4,099 |
| Loan loss allowance to noncurrent loans | 79.5640% | 4,189 |
| Noncurrent assets plus other real estate owned to assets | 1.1749% | 3,052 |
| Noncurrent loans to loans | 1.6454% | 2,440 |
| Net loans and leases to total assets | 56.7376% | 4,223 |
| Net loans and leases to deposits | 84.2556% | 1,900 |
| Net loans and leases to core deposits | 91.5213% | 1,844 |
| Total domestic deposits to total assets | 67.3399% | 6,603 |
| Equity capital to assets | 13.6612% | 1,007 |
| Core capital (leverage) ratio | 13.0005% | 1,140 |
| Tier 1 risk-based capital ratio | 18.0063% | 2,246 |
| Total risk-based capital ratio | 19.1331% | 2,247 |
| Memoranda: | ||
| Average total assets | $489,266,600 | 1,356 |
| Average earning assets | $444,225,400 | 1,363 |
| Average equity | $73,732,800 | 967 |
| Average total loans | $293,950,400 | 1,442 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9848% | 4,189 |
| Cost of funding earning assets | 0.7221% | 1,792 |
| Net interest margin | 3.2627% | 4,781 |
| Noninterest income to average assets | 0.5224% | 3,651 |
| Noninterest expense to average assets | 2.4025% | 5,020 |
| Loan and lease loss provision to assets | 0.0570% | 3,913 |
| Net operating income to assets | 0.7903% | 3,396 |
| Return on assets (ROA) | 0.9064% | 2,911 |
| Pretax return on assets | 1.1768% | 2,797 |
| Return on Equity (ROE) | 5.8673% | 4,257 |
| Retained earnings to average equity (ytd only) | 5.8673% | 2,501 |
| Net charge-offs to loans | 0.1307% | 3,226 |
| Credit loss provision to net charge-offs | 71.7770% | 3,034 |
| Earnings coverage of net charge-offs (x) | 13.6375% | 2,011 |
| Efficiency ratio | 68.3893% | 4,016 |
| Assets per employee ($millions) | 4.5022% | 2,884 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5192% | 3,374 |
| Loan loss allowance to noncurrent loans | 69.7295% | 4,424 |
| Noncurrent assets plus other real estate owned to assets | 1.5648% | 2,588 |
| Noncurrent loans to loans | 2.1788% | 2,031 |
| Net loans and leases to total assets | 55.8342% | 4,344 |
| Net loans and leases to deposits | 81.4191% | 2,211 |
| Net loans and leases to core deposits | 85.2071% | 2,505 |
| Total domestic deposits to total assets | 68.5763% | 6,647 |
| Equity capital to assets | 15.1920% | 682 |
| Core capital (leverage) ratio | 14.1517% | 833 |
| Tier 1 risk-based capital ratio | 19.9525% | 1,749 |
| Total risk-based capital ratio | 21.1820% | 1,723 |
| Memoranda: | ||
| Average total assets | $481,867,750 | 1,384 |
| Average earning assets | $437,616,250 | 1,393 |
| Average equity | $74,445,250 | 971 |
| Average total loans | $292,864,250 | 1,442 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0473% | 3,930 |
| Cost of funding earning assets | 0.7284% | 1,855 |
| Net interest margin | 3.3190% | 4,490 |
| Noninterest income to average assets | 0.5500% | 3,503 |
| Noninterest expense to average assets | 2.4213% | 4,993 |
| Loan and lease loss provision to assets | 0.0443% | 4,082 |
| Net operating income to assets | 0.8351% | 3,123 |
| Return on assets (ROA) | 0.9906% | 2,510 |
| Pretax return on assets | 1.3071% | 2,277 |
| Return on Equity (ROE) | 6.3756% | 3,949 |
| Retained earnings to average equity (ytd only) | 6.3756% | 2,215 |
| Net charge-offs to loans | 0.1189% | 3,180 |
| Credit loss provision to net charge-offs | 59.8870% | 3,019 |
| Earnings coverage of net charge-offs (x) | 15.5141% | 1,734 |
| Efficiency ratio | 67.3104% | 4,309 |
| Assets per employee ($millions) | 4.3392% | 3,107 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5343% | 3,424 |
| Loan loss allowance to noncurrent loans | 67.5112% | 4,504 |
| Noncurrent assets plus other real estate owned to assets | 1.6144% | 2,696 |
| Noncurrent loans to loans | 2.2727% | 2,091 |
| Net loans and leases to total assets | 56.9663% | 4,141 |
| Net loans and leases to deposits | 78.9947% | 2,457 |
| Net loans and leases to core deposits | 85.1715% | 2,416 |
| Total domestic deposits to total assets | 72.1141% | 6,556 |
| Equity capital to assets | 15.4577% | 625 |
| Core capital (leverage) ratio | 14.0375% | 815 |
| Tier 1 risk-based capital ratio | 20.0912% | 1,700 |
| Total risk-based capital ratio | 21.3242% | 1,671 |
| Memoranda: | ||
| Average total assets | $478,909,000 | 1,392 |
| Average earning assets | $435,496,330 | 1,407 |
| Average equity | $74,409,000 | 976 |
| Average total loans | $297,742,330 | 1,418 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0133% | 4,062 |
| Cost of funding earning assets | 0.7381% | 1,941 |
| Net interest margin | 3.2752% | 4,614 |
| Noninterest income to average assets | 0.5662% | 3,336 |
| Noninterest expense to average assets | 2.4807% | 4,822 |
| Loan and lease loss provision to assets | 0.0025% | 4,391 |
| Net operating income to assets | 0.8094% | 3,105 |
| Return on assets (ROA) | 0.9698% | 2,485 |
| Pretax return on assets | 1.2800% | 2,297 |
| Return on Equity (ROE) | 6.2257% | 3,926 |
| Retained earnings to average equity (ytd only) | 6.2257% | 2,553 |
| Net charge-offs to loans | 0.1180% | 2,719 |
| Credit loss provision to net charge-offs | 3.2967% | 3,208 |
| Earnings coverage of net charge-offs (x) | 14.1209% | 1,479 |
| Efficiency ratio | 69.2723% | 4,097 |
| Assets per employee ($millions) | 4.4409% | 3,076 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4161% | 4,157 |
| Loan loss allowance to noncurrent loans | 54.0125% | 4,980 |
| Noncurrent assets plus other real estate owned to assets | 1.9220% | 2,445 |
| Noncurrent loans to loans | 2.6217% | 1,962 |
| Net loans and leases to total assets | 61.8268% | 3,097 |
| Net loans and leases to deposits | 85.9826% | 1,356 |
| Net loans and leases to core deposits | 89.8508% | 1,709 |
| Total domestic deposits to total assets | 71.9062% | 6,662 |
| Equity capital to assets | 15.8159% | 588 |
| Core capital (leverage) ratio | 14.0478% | 788 |
| Tier 1 risk-based capital ratio | 18.9994% | 2,043 |
| Total risk-based capital ratio | 20.2425% | 2,018 |
| Memoranda: | ||
| Average total assets | $479,705,000 | 1,400 |
| Average earning assets | $437,348,000 | 1,410 |
| Average equity | $74,722,500 | 980 |
| Average total loans | $308,540,000 | 1,379 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5439% | 3,227 |
| Cost of funding earning assets | 0.9437% | 1,676 |
| Net interest margin | 3.6002% | 4,083 |
| Noninterest income to average assets | 0.5862% | 3,354 |
| Noninterest expense to average assets | 2.4316% | 5,315 |
| Loan and lease loss provision to assets | 0.2170% | 2,962 |
| Net operating income to assets | 0.8976% | 2,829 |
| Return on assets (ROA) | 0.9561% | 2,769 |
| Pretax return on assets | 1.2997% | 2,396 |
| Return on Equity (ROE) | 7.4523% | 3,367 |
| Retained earnings to average equity (ytd only) | 7.4523% | 1,358 |
| Net charge-offs to loans | 0.1615% | 4,089 |
| Credit loss provision to net charge-offs | 206.9860% | 1,232 |
| Earnings coverage of net charge-offs (x) | 13.7146% | 1,795 |
| Efficiency ratio | 62.2452% | 5,200 |
| Assets per employee ($millions) | 4.4425% | 3,071 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3502% | 4,404 |
| Loan loss allowance to noncurrent loans | 51.5434% | 5,053 |
| Noncurrent assets plus other real estate owned to assets | 1.9125% | 2,556 |
| Noncurrent loans to loans | 2.6195% | 2,018 |
| Net loans and leases to total assets | 65.0029% | 2,718 |
| Net loans and leases to deposits | 89.5597% | 1,115 |
| Net loans and leases to core deposits | 96.3320% | 1,271 |
| Total domestic deposits to total assets | 72.5804% | 6,656 |
| Equity capital to assets | 15.3421% | 671 |
| Core capital (leverage) ratio | 13.3946% | 985 |
| Tier 1 risk-based capital ratio | 17.7147% | 2,378 |
| Total risk-based capital ratio | 18.9261% | 2,352 |
| Memoranda: | ||
| Average total assets | $477,961,800 | 1,387 |
| Average earning assets | $435,833,400 | 1,383 |
| Average equity | $61,323,400 | 1,163 |
| Average total loans | $310,203,400 | 1,353 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5937% | 3,235 |
| Cost of funding earning assets | 0.9916% | 1,611 |
| Net interest margin | 3.6021% | 4,227 |
| Noninterest income to average assets | 0.5648% | 3,511 |
| Noninterest expense to average assets | 2.3549% | 5,531 |
| Loan and lease loss provision to assets | 0.2474% | 2,585 |
| Net operating income to assets | 0.9208% | 2,877 |
| Return on assets (ROA) | 0.9972% | 2,745 |
| Pretax return on assets | 1.3495% | 2,410 |
| Return on Equity (ROE) | 8.1791% | 3,195 |
| Retained earnings to average equity (ytd only) | 8.1791% | 1,539 |
| Net charge-offs to loans | 0.1520% | 3,897 |
| Credit loss provision to net charge-offs | 251.8519% | 1,088 |
| Earnings coverage of net charge-offs (x) | 15.2051% | 1,781 |
| Efficiency ratio | 60.5483% | 5,401 |
| Assets per employee ($millions) | 4.3985% | 3,076 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3539% | 4,558 |
| Loan loss allowance to noncurrent loans | 52.6155% | 4,993 |
| Noncurrent assets plus other real estate owned to assets | 1.8655% | 2,839 |
| Noncurrent loans to loans | 2.5733% | 2,221 |
| Net loans and leases to total assets | 64.8275% | 2,870 |
| Net loans and leases to deposits | 86.2337% | 1,578 |
| Net loans and leases to core deposits | 95.1707% | 1,470 |
| Total domestic deposits to total assets | 75.1765% | 6,496 |
| Equity capital to assets | 12.4910% | 1,894 |
| Core capital (leverage) ratio | 10.4738% | 2,951 |
| Tier 1 risk-based capital ratio | 13.8788% | 4,631 |
| Total risk-based capital ratio | 15.0994% | 4,609 |
| Memoranda: | ||
| Average total assets | $476,394,500 | 1,407 |
| Average earning assets | $434,292,750 | 1,408 |
| Average equity | $58,081,500 | 1,225 |
| Average total loans | $307,986,250 | 1,372 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5702% | 3,481 |
| Cost of funding earning assets | 1.0331% | 1,560 |
| Net interest margin | 3.5371% | 4,516 |
| Noninterest income to average assets | 0.4608% | 4,197 |
| Noninterest expense to average assets | 2.3764% | 5,542 |
| Loan and lease loss provision to assets | 0.2241% | 2,842 |
| Net operating income to assets | 0.8353% | 3,216 |
| Return on assets (ROA) | 0.8993% | 3,182 |
| Pretax return on assets | 1.1656% | 3,060 |
| Return on Equity (ROE) | 7.4385% | 3,554 |
| Retained earnings to average equity (ytd only) | 7.4385% | 1,906 |
| Net charge-offs to loans | 0.0230% | 5,079 |
| Credit loss provision to net charge-offs | 1,517.1429% | 216 |
| Earnings coverage of net charge-offs (x) | 88.4571% | 470 |
| Efficiency ratio | 63.8478% | 4,919 |
| Assets per employee ($millions) | 4.5063% | 2,895 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3770% | 4,544 |
| Loan loss allowance to noncurrent loans | 59.1956% | 4,680 |
| Noncurrent assets plus other real estate owned to assets | 1.6997% | 3,168 |
| Noncurrent loans to loans | 2.3262% | 2,569 |
| Net loans and leases to total assets | 63.9924% | 3,031 |
| Net loans and leases to deposits | 88.9327% | 1,265 |
| Net loans and leases to core deposits | 97.5821% | 1,302 |
| Total domestic deposits to total assets | 71.9561% | 6,803 |
| Equity capital to assets | 12.2651% | 1,958 |
| Core capital (leverage) ratio | 10.4891% | 2,812 |
| Tier 1 risk-based capital ratio | 13.7687% | 4,615 |
| Total risk-based capital ratio | 15.0103% | 4,594 |
| Memoranda: | ||
| Average total assets | $473,914,330 | 1,417 |
| Average earning assets | $431,707,330 | 1,414 |
| Average equity | $57,296,670 | 1,241 |
| Average total loans | $304,660,670 | 1,383 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6402% | 3,312 |
| Cost of funding earning assets | 1.0761% | 1,515 |
| Net interest margin | 3.5641% | 4,425 |
| Noninterest income to average assets | 0.4135% | 4,570 |
| Noninterest expense to average assets | 2.4473% | 5,321 |
| Loan and lease loss provision to assets | 0.1932% | 3,017 |
| Net operating income to assets | 0.7914% | 3,417 |
| Return on assets (ROA) | 0.8635% | 3,318 |
| Pretax return on assets | 1.1126% | 3,276 |
| Return on Equity (ROE) | 7.1949% | 3,663 |
| Retained earnings to average equity (ytd only) | 7.1949% | 2,326 |
| Net charge-offs to loans | 0.0477% | 4,035 |
| Credit loss provision to net charge-offs | 633.3333% | 540 |
| Earnings coverage of net charge-offs (x) | 39.7778% | 753 |
| Efficiency ratio | 66.1574% | 4,530 |
| Assets per employee ($millions) | 4.4169% | 3,160 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3127% | 4,965 |
| Loan loss allowance to noncurrent loans | 60.8629% | 4,486 |
| Noncurrent assets plus other real estate owned to assets | 1.5526% | 3,533 |
| Noncurrent loans to loans | 2.1569% | 2,961 |
| Net loans and leases to total assets | 63.6501% | 2,916 |
| Net loans and leases to deposits | 86.7268% | 1,322 |
| Net loans and leases to core deposits | 95.2013% | 1,356 |
| Total domestic deposits to total assets | 73.3915% | 6,792 |
| Equity capital to assets | 12.2241% | 1,900 |
| Core capital (leverage) ratio | 10.0782% | 3,274 |
| Tier 1 risk-based capital ratio | 14.0056% | 4,470 |
| Total risk-based capital ratio | 15.2098% | 4,465 |
| Memoranda: | ||
| Average total assets | $472,035,500 | 1,418 |
| Average earning assets | $430,071,000 | 1,422 |
| Average equity | $56,651,500 | 1,259 |
| Average total loans | $302,020,000 | 1,406 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6428% | 4,486 |
| Cost of funding earning assets | 1.3387% | 1,298 |
| Net interest margin | 3.3041% | 5,795 |
| Noninterest income to average assets | 0.4383% | 4,310 |
| Noninterest expense to average assets | 2.3657% | 5,862 |
| Loan and lease loss provision to assets | 0.2467% | 3,742 |
| Net operating income to assets | 0.6558% | 3,716 |
| Return on assets (ROA) | 0.7646% | 3,363 |
| Pretax return on assets | 0.9560% | 3,408 |
| Return on Equity (ROE) | 6.4501% | 3,672 |
| Retained earnings to average equity (ytd only) | 2.3044% | 4,575 |
| Net charge-offs to loans | 0.4568% | 3,156 |
| Credit loss provision to net charge-offs | 86.9266% | 4,153 |
| Earnings coverage of net charge-offs (x) | 3.7584% | 3,400 |
| Efficiency ratio | 67.6528% | 4,431 |
| Assets per employee ($millions) | 4.3659% | 3,132 |
| Cash dividends to net income (ytd only)* | 64.2736% | 1,380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2487% | 5,179 |
| Loan loss allowance to noncurrent loans | 59.2709% | 4,551 |
| Noncurrent assets plus other real estate owned to assets | 1.5500% | 3,624 |
| Noncurrent loans to loans | 2.1068% | 3,059 |
| Net loans and leases to total assets | 62.6839% | 3,473 |
| Net loans and leases to deposits | 88.8806% | 1,282 |
| Net loans and leases to core deposits | 94.5873% | 1,627 |
| Total domestic deposits to total assets | 70.5259% | 6,958 |
| Equity capital to assets | 11.7825% | 2,280 |
| Core capital (leverage) ratio | 9.7391% | 3,692 |
| Tier 1 risk-based capital ratio | 13.7108% | 4,546 |
| Total risk-based capital ratio | 14.8607% | 4,583 |
| Memoranda: | ||
| Average total assets | $460,871,400 | 1,424 |
| Average earning assets | $417,633,600 | 1,437 |
| Average equity | $54,634,400 | 1,242 |
| Average total loans | $286,332,400 | 1,490 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6418% | 4,697 |
| Cost of funding earning assets | 1.4062% | 1,213 |
| Net interest margin | 3.2356% | 6,059 |
| Noninterest income to average assets | 0.4116% | 4,575 |
| Noninterest expense to average assets | 2.3594% | 5,881 |
| Loan and lease loss provision to assets | 0.1849% | 4,185 |
| Net operating income to assets | 0.6319% | 3,959 |
| Return on assets (ROA) | 0.7689% | 3,467 |
| Pretax return on assets | 0.9666% | 3,531 |
| Return on Equity (ROE) | 6.4755% | 3,784 |
| Retained earnings to average equity (ytd only) | 5.8245% | 2,658 |
| Net charge-offs to loans | 0.4108% | 3,085 |
| Credit loss provision to net charge-offs | 72.8736% | 4,382 |
| Earnings coverage of net charge-offs (x) | 3.8632% | 3,268 |
| Efficiency ratio | 69.1790% | 4,098 |
| Assets per employee ($millions) | 4.5686% | 2,814 |
| Cash dividends to net income (ytd only)* | 10.0530% | 3,271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1949% | 5,487 |
| Loan loss allowance to noncurrent loans | 54.7644% | 4,723 |
| Noncurrent assets plus other real estate owned to assets | 1.6361% | 3,635 |
| Noncurrent loans to loans | 2.1818% | 3,138 |
| Net loans and leases to total assets | 63.2991% | 3,454 |
| Net loans and leases to deposits | 91.2036% | 1,087 |
| Net loans and leases to core deposits | 98.9429% | 1,343 |
| Total domestic deposits to total assets | 69.4041% | 7,067 |
| Equity capital to assets | 11.6943% | 2,503 |
| Core capital (leverage) ratio | 10.2061% | 3,186 |
| Tier 1 risk-based capital ratio | 13.7462% | 4,542 |
| Total risk-based capital ratio | 14.8548% | 4,616 |
| Memoranda: | ||
| Average total assets | $457,118,500 | 1,449 |
| Average earning assets | $413,678,000 | 1,455 |
| Average equity | $54,275,250 | 1,253 |
| Average total loans | $282,397,000 | 1,523 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6906% | 4,569 |
| Cost of funding earning assets | 1.4811% | 1,068 |
| Net interest margin | 3.2095% | 6,132 |
| Noninterest income to average assets | 0.3741% | 4,885 |
| Noninterest expense to average assets | 2.4260% | 5,764 |
| Loan and lease loss provision to assets | 0.1031% | 5,023 |
| Net operating income to assets | 0.6233% | 3,944 |
| Return on assets (ROA) | 0.6338% | 4,014 |
| Pretax return on assets | 0.7535% | 4,201 |
| Return on Equity (ROE) | 5.3094% | 4,304 |
| Retained earnings to average equity (ytd only) | 5.3094% | 2,804 |
| Net charge-offs to loans | 0.5858% | 2,354 |
| Credit loss provision to net charge-offs | 28.8750% | 5,010 |
| Earnings coverage of net charge-offs (x) | 2.3638% | 3,641 |
| Efficiency ratio | 72.6317% | 3,611 |
| Assets per employee ($millions) | 4.2176% | 3,320 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2515% | 5,298 |
| Loan loss allowance to noncurrent loans | 49.6469% | 5,042 |
| Noncurrent assets plus other real estate owned to assets | 1.7574% | 3,562 |
| Noncurrent loans to loans | 2.5207% | 2,869 |
| Net loans and leases to total assets | 57.9116% | 4,645 |
| Net loans and leases to deposits | 82.8572% | 2,304 |
| Net loans and leases to core deposits | 88.3068% | 2,599 |
| Total domestic deposits to total assets | 69.8933% | 7,117 |
| Equity capital to assets | 11.9421% | 2,127 |
| Core capital (leverage) ratio | 10.5423% | 2,670 |
| Tier 1 risk-based capital ratio | 14.8833% | 3,564 |
| Total risk-based capital ratio | 16.0008% | 3,612 |
| Memoranda: | ||
| Average total assets | $448,067,670 | 1,486 |
| Average earning assets | $404,300,330 | 1,504 |
| Average equity | $53,489,670 | 1,258 |
| Average total loans | $273,114,000 | 1,585 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8986% | 3,602 |
| Cost of funding earning assets | 1.5370% | 1,026 |
| Net interest margin | 3.3616% | 5,577 |
| Noninterest income to average assets | 0.4685% | 4,127 |
| Noninterest expense to average assets | 2.5163% | 5,500 |
| Loan and lease loss provision to assets | 0.0253% | 5,646 |
| Net operating income to assets | 0.7625% | 3,204 |
| Return on assets (ROA) | 0.7806% | 3,192 |
| Pretax return on assets | 0.9741% | 3,235 |
| Return on Equity (ROE) | 6.5398% | 3,611 |
| Retained earnings to average equity (ytd only) | 6.5398% | 2,354 |
| Net charge-offs to loans | 0.6418% | 1,923 |
| Credit loss provision to net charge-offs | 6.3492% | 4,418 |
| Earnings coverage of net charge-offs (x) | 2.4490% | 3,102 |
| Efficiency ratio | 70.5334% | 4,157 |
| Assets per employee ($millions) | 4.2041% | 3,453 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3141% | 5,063 |
| Loan loss allowance to noncurrent loans | 51.6459% | 4,914 |
| Noncurrent assets plus other real estate owned to assets | 1.9618% | 3,363 |
| Noncurrent loans to loans | 2.5444% | 2,943 |
| Net loans and leases to total assets | 60.0535% | 4,253 |
| Net loans and leases to deposits | 81.7426% | 2,408 |
| Net loans and leases to core deposits | 87.1385% | 2,714 |
| Total domestic deposits to total assets | 73.4665% | 6,955 |
| Equity capital to assets | 12.1198% | 1,847 |
| Core capital (leverage) ratio | 10.4768% | 2,636 |
| Tier 1 risk-based capital ratio | 14.7320% | 3,589 |
| Total risk-based capital ratio | 15.9087% | 3,597 |
| Memoranda: | ||
| Average total assets | $442,242,500 | 1,514 |
| Average earning assets | $397,908,500 | 1,528 |
| Average equity | $52,784,500 | 1,267 |
| Average total loans | $274,869,000 | 1,592 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2210% | 3,506 |
| Cost of funding earning assets | 1.8098% | 1,129 |
| Net interest margin | 3.4112% | 5,586 |
| Noninterest income to average assets | 0.8014% | 2,275 |
| Noninterest expense to average assets | 2.4807% | 5,858 |
| Loan and lease loss provision to assets | 0.8068% | 2,019 |
| Net operating income to assets | 0.4643% | 4,252 |
| Return on assets (ROA) | 0.6643% | 3,514 |
| Pretax return on assets | 0.8233% | 3,558 |
| Return on Equity (ROE) | 5.4962% | 3,838 |
| Retained earnings to average equity (ytd only) | 5.4962% | 2,114 |
| Net charge-offs to loans | 0.8243% | 2,570 |
| Credit loss provision to net charge-offs | 150.6291% | 2,399 |
| Earnings coverage of net charge-offs (x) | 2.5822% | 3,814 |
| Efficiency ratio | 62.6173% | 5,602 |
| Assets per employee ($millions) | 4.1797% | 3,424 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4026% | 4,492 |
| Loan loss allowance to noncurrent loans | 58.0365% | 4,541 |
| Noncurrent assets plus other real estate owned to assets | 1.8756% | 3,518 |
| Noncurrent loans to loans | 2.4168% | 3,099 |
| Net loans and leases to total assets | 62.5591% | 4,158 |
| Net loans and leases to deposits | 87.0948% | 1,923 |
| Net loans and leases to core deposits | 93.6078% | 2,310 |
| Total domestic deposits to total assets | 71.8287% | 7,096 |
| Equity capital to assets | 11.7522% | 2,080 |
| Core capital (leverage) ratio | 9.8963% | 3,213 |
| Tier 1 risk-based capital ratio | 13.9960% | 3,878 |
| Total risk-based capital ratio | 15.2466% | 3,839 |
| Memoranda: | ||
| Average total assets | $430,364,600 | 1,553 |
| Average earning assets | $386,343,000 | 1,564 |
| Average equity | $52,018,200 | 1,283 |
| Average total loans | $279,618,600 | 1,600 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2014% | 3,822 |
| Cost of funding earning assets | 1.8474% | 1,225 |
| Net interest margin | 3.3540% | 5,832 |
| Noninterest income to average assets | 0.7634% | 2,429 |
| Noninterest expense to average assets | 2.4619% | 5,852 |
| Loan and lease loss provision to assets | 0.7153% | 2,132 |
| Net operating income to assets | 0.4745% | 4,421 |
| Return on assets (ROA) | 0.7026% | 3,556 |
| Pretax return on assets | 0.8842% | 3,608 |
| Return on Equity (ROE) | 5.7710% | 3,918 |
| Retained earnings to average equity (ytd only) | 5.7710% | 2,498 |
| Net charge-offs to loans | 0.2989% | 4,169 |
| Credit loss provision to net charge-offs | 366.1342% | 844 |
| Earnings coverage of net charge-offs (x) | 6.7092% | 2,470 |
| Efficiency ratio | 63.5754% | 5,329 |
| Assets per employee ($millions) | 4.2248% | 3,398 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5166% | 3,887 |
| Loan loss allowance to noncurrent loans | 76.8113% | 3,499 |
| Noncurrent assets plus other real estate owned to assets | 1.4505% | 4,275 |
| Noncurrent loans to loans | 1.9744% | 3,713 |
| Net loans and leases to total assets | 64.4107% | 4,040 |
| Net loans and leases to deposits | 89.9767% | 1,723 |
| Net loans and leases to core deposits | 98.5292% | 1,993 |
| Total domestic deposits to total assets | 71.5859% | 7,173 |
| Equity capital to assets | 11.8690% | 2,242 |
| Core capital (leverage) ratio | 10.1218% | 3,127 |
| Tier 1 risk-based capital ratio | 13.6035% | 4,116 |
| Total risk-based capital ratio | 14.8554% | 4,063 |
| Memoranda: | ||
| Average total assets | $427,193,250 | 1,579 |
| Average earning assets | $383,299,250 | 1,593 |
| Average equity | $52,005,750 | 1,289 |
| Average total loans | $279,245,500 | 1,627 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2152% | 3,874 |
| Cost of funding earning assets | 1.8987% | 1,240 |
| Net interest margin | 3.3164% | 5,957 |
| Noninterest income to average assets | 0.7271% | 2,537 |
| Noninterest expense to average assets | 2.4829% | 5,776 |
| Loan and lease loss provision to assets | 0.7918% | 1,819 |
| Net operating income to assets | 0.3391% | 5,029 |
| Return on assets (ROA) | 0.6600% | 3,736 |
| Pretax return on assets | 0.8222% | 3,809 |
| Return on Equity (ROE) | 5.3735% | 4,101 |
| Retained earnings to average equity (ytd only) | 5.3735% | 2,688 |
| Net charge-offs to loans | 0.0648% | 5,494 |
| Credit loss provision to net charge-offs | 1,869.6629% | 216 |
| Earnings coverage of net charge-offs (x) | 28.6404% | 949 |
| Efficiency ratio | 65.3920% | 5,080 |
| Assets per employee ($millions) | 4.1676% | 3,455 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4888% | 3,986 |
| Loan loss allowance to noncurrent loans | 69.9630% | 3,852 |
| Noncurrent assets plus other real estate owned to assets | 1.5018% | 4,204 |
| Noncurrent loans to loans | 2.1280% | 3,556 |
| Net loans and leases to total assets | 65.7898% | 3,874 |
| Net loans and leases to deposits | 97.3059% | 934 |
| Net loans and leases to core deposits | 103.3741% | 1,694 |
| Total domestic deposits to total assets | 67.6114% | 7,444 |
| Equity capital to assets | 11.8752% | 2,166 |
| Core capital (leverage) ratio | 10.1967% | 2,944 |
| Tier 1 risk-based capital ratio | 13.3305% | 4,182 |
| Total risk-based capital ratio | 14.5800% | 4,140 |
| Memoranda: | ||
| Average total assets | $420,314,000 | 1,621 |
| Average earning assets | $376,247,670 | 1,640 |
| Average equity | $51,623,330 | 1,289 |
| Average total loans | $274,696,330 | 1,665 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2465% | 3,798 |
| Cost of funding earning assets | 1.9492% | 1,247 |
| Net interest margin | 3.2973% | 5,982 |
| Noninterest income to average assets | 0.6481% | 2,944 |
| Noninterest expense to average assets | 2.5661% | 5,492 |
| Loan and lease loss provision to assets | 0.8832% | 1,442 |
| Net operating income to assets | 0.1075% | 6,002 |
| Return on assets (ROA) | 0.7278% | 3,430 |
| Pretax return on assets | 0.9260% | 3,364 |
| Return on Equity (ROE) | 5.8229% | 3,953 |
| Retained earnings to average equity (ytd only) | 5.8229% | 2,701 |
| Net charge-offs to loans | 0.0391% | 5,032 |
| Credit loss provision to net charge-offs | 3,496.1538% | 136 |
| Earnings coverage of net charge-offs (x) | 40.5385% | 680 |
| Efficiency ratio | 69.5535% | 4,401 |
| Assets per employee ($millions) | 4.0258% | 3,814 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3461% | 4,699 |
| Loan loss allowance to noncurrent loans | 58.3666% | 4,461 |
| Noncurrent assets plus other real estate owned to assets | 1.6198% | 4,059 |
| Noncurrent loans to loans | 2.3062% | 3,380 |
| Net loans and leases to total assets | 64.0513% | 4,315 |
| Net loans and leases to deposits | 92.1132% | 1,596 |
| Net loans and leases to core deposits | 99.2491% | 2,204 |
| Total domestic deposits to total assets | 69.5354% | 7,436 |
| Equity capital to assets | 12.3074% | 1,870 |
| Core capital (leverage) ratio | 10.5400% | 2,581 |
| Tier 1 risk-based capital ratio | 14.0812% | 3,606 |
| Total risk-based capital ratio | 15.3310% | 3,567 |
| Memoranda: | ||
| Average total assets | $411,670,500 | 1,694 |
| Average earning assets | $367,331,500 | 1,715 |
| Average equity | $51,452,000 | 1,302 |
| Average total loans | $265,920,500 | 1,768 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5859% | 3,683 |
| Cost of funding earning assets | 2.3519% | 1,451 |
| Net interest margin | 3.2339% | 5,976 |
| Noninterest income to average assets | 0.9095% | 1,911 |
| Noninterest expense to average assets | 2.8644% | 4,680 |
| Loan and lease loss provision to assets | 0.2208% | 5,595 |
| Net operating income to assets | 0.5664% | 3,462 |
| Return on assets (ROA) | 0.7175% | 2,938 |
| Pretax return on assets | 0.8618% | 3,044 |
| Return on Equity (ROE) | 5.5606% | 3,399 |
| Retained earnings to average equity (ytd only) | 4.1031% | 2,341 |
| Net charge-offs to loans | 0.2417% | 5,114 |
| Credit loss provision to net charge-offs | 144.9744% | 3,286 |
| Earnings coverage of net charge-offs (x) | 5.9131% | 2,470 |
| Efficiency ratio | 73.7890% | 3,938 |
| Assets per employee ($millions) | 3.8909% | 4,044 |
| Cash dividends to net income (ytd only)* | 26.2111% | 3,474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0677% | 6,053 |
| Loan loss allowance to noncurrent loans | 35.9725% | 6,035 |
| Noncurrent assets plus other real estate owned to assets | 2.0439% | 3,345 |
| Noncurrent loans to loans | 2.9680% | 2,591 |
| Net loans and leases to total assets | 63.5682% | 4,687 |
| Net loans and leases to deposits | 93.6919% | 1,643 |
| Net loans and leases to core deposits | 111.2325% | 2,765 |
| Total domestic deposits to total assets | 67.8482% | 7,559 |
| Equity capital to assets | 12.6959% | 1,648 |
| Core capital (leverage) ratio | 10.4168% | 2,672 |
| Tier 1 risk-based capital ratio | 14.3222% | 3,308 |
| Total risk-based capital ratio | 15.3120% | 3,413 |
| Memoranda: | ||
| Average total assets | $385,487,200 | 1,774 |
| Average earning assets | $340,359,600 | 1,832 |
| Average equity | $49,742,800 | 1,353 |
| Average total loans | $242,816,200 | 1,928 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5911% | 3,919 |
| Cost of funding earning assets | 2.4094% | 1,605 |
| Net interest margin | 3.1817% | 6,083 |
| Noninterest income to average assets | 0.7835% | 2,521 |
| Noninterest expense to average assets | 2.8925% | 4,486 |
| Loan and lease loss provision to assets | 0.1548% | 5,801 |
| Net operating income to assets | 0.4309% | 4,274 |
| Return on assets (ROA) | 0.6234% | 3,575 |
| Pretax return on assets | 0.7817% | 3,595 |
| Return on Equity (ROE) | 4.8105% | 4,040 |
| Retained earnings to average equity (ytd only) | 4.8105% | 2,599 |
| Net charge-offs to loans | 0.2616% | 4,412 |
| Credit loss provision to net charge-offs | 94.4444% | 5,356 |
| Earnings coverage of net charge-offs (x) | 4.2458% | 3,200 |
| Efficiency ratio | 78.0890% | 3,152 |
| Assets per employee ($millions) | 3.6410% | 4,571 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9954% | 6,326 |
| Loan loss allowance to noncurrent loans | 35.9145% | 6,009 |
| Noncurrent assets plus other real estate owned to assets | 1.8995% | 3,508 |
| Noncurrent loans to loans | 2.7716% | 2,741 |
| Net loans and leases to total assets | 64.0666% | 4,857 |
| Net loans and leases to deposits | 95.9950% | 1,578 |
| Net loans and leases to core deposits | 110.7277% | 3,153 |
| Total domestic deposits to total assets | 66.7395% | 7,647 |
| Equity capital to assets | 13.2644% | 1,592 |
| Core capital (leverage) ratio | 10.6226% | 2,692 |
| Tier 1 risk-based capital ratio | 14.8509% | 3,111 |
| Total risk-based capital ratio | 15.7780% | 3,209 |
| Memoranda: | ||
| Average total assets | $380,694,500 | 1,809 |
| Average earning assets | $335,617,250 | 1,867 |
| Average equity | $49,334,750 | 1,385 |
| Average total loans | $238,517,750 | 1,992 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5720% | 4,204 |
| Cost of funding earning assets | 2.4746% | 1,703 |
| Net interest margin | 3.0973% | 6,250 |
| Noninterest income to average assets | 0.7822% | 2,504 |
| Noninterest expense to average assets | 2.9603% | 4,252 |
| Loan and lease loss provision to assets | 0.1362% | 5,715 |
| Net operating income to assets | 0.3282% | 4,771 |
| Return on assets (ROA) | 0.5980% | 3,792 |
| Pretax return on assets | 0.7410% | 3,864 |
| Return on Equity (ROE) | 4.6515% | 4,232 |
| Retained earnings to average equity (ytd only) | 4.6515% | 2,712 |
| Net charge-offs to loans | 0.1363% | 4,803 |
| Credit loss provision to net charge-offs | 161.2500% | 2,847 |
| Earnings coverage of net charge-offs (x) | 6.4438% | 2,619 |
| Efficiency ratio | 81.7922% | 2,747 |
| Assets per employee ($millions) | 3.6842% | 4,365 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0265% | 6,038 |
| Loan loss allowance to noncurrent loans | 38.9843% | 5,805 |
| Noncurrent assets plus other real estate owned to assets | 1.8367% | 3,420 |
| Noncurrent loans to loans | 2.6332% | 2,748 |
| Net loans and leases to total assets | 64.4371% | 4,888 |
| Net loans and leases to deposits | 97.2319% | 1,635 |
| Net loans and leases to core deposits | 114.0037% | 2,907 |
| Total domestic deposits to total assets | 66.2716% | 7,723 |
| Equity capital to assets | 12.5901% | 1,884 |
| Core capital (leverage) ratio | 10.3136% | 2,982 |
| Tier 1 risk-based capital ratio | 14.3186% | 3,343 |
| Total risk-based capital ratio | 15.2896% | 3,438 |
| Memoranda: | ||
| Average total assets | $378,942,670 | 1,832 |
| Average earning assets | $333,060,330 | 1,900 |
| Average equity | $48,715,000 | 1,415 |
| Average total loans | $234,773,330 | 2,047 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6692% | 3,945 |
| Cost of funding earning assets | 2.5317% | 1,795 |
| Net interest margin | 3.1375% | 6,075 |
| Noninterest income to average assets | 0.7268% | 2,722 |
| Noninterest expense to average assets | 2.7817% | 4,642 |
| Loan and lease loss provision to assets | 0.0525% | 6,301 |
| Net operating income to assets | 0.4916% | 4,458 |
| Return on assets (ROA) | 0.6024% | 4,194 |
| Pretax return on assets | 0.7922% | 4,104 |
| Return on Equity (ROE) | 4.6362% | 4,638 |
| Retained earnings to average equity (ytd only) | 4.6362% | 3,341 |
| Net charge-offs to loans | 0.1386% | 3,851 |
| Credit loss provision to net charge-offs | 62.8205% | 4,470 |
| Earnings coverage of net charge-offs (x) | 8.3590% | 2,201 |
| Efficiency ratio | 77.0557% | 3,324 |
| Assets per employee ($millions) | 3.5063% | 4,812 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0910% | 5,533 |
| Loan loss allowance to noncurrent loans | 43.2578% | 5,643 |
| Noncurrent assets plus other real estate owned to assets | 1.6946% | 3,386 |
| Noncurrent loans to loans | 2.5220% | 2,614 |
| Net loans and leases to total assets | 59.4473% | 5,745 |
| Net loans and leases to deposits | 89.5342% | 3,005 |
| Net loans and leases to core deposits | 105.5555% | 3,967 |
| Total domestic deposits to total assets | 66.3962% | 7,707 |
| Equity capital to assets | 12.9656% | 1,758 |
| Core capital (leverage) ratio | 10.4267% | 3,005 |
| Tier 1 risk-based capital ratio | 15.4502% | 2,873 |
| Total risk-based capital ratio | 16.4666% | 2,918 |
| Memoranda: | ||
| Average total assets | $373,150,000 | 1,870 |
| Average earning assets | $327,526,000 | 1,930 |
| Average equity | $48,488,500 | 1,421 |
| Average total loans | $225,032,500 | 2,142 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0620% | 5,240 |
| Cost of funding earning assets | 2.8540% | 2,465 |
| Net interest margin | 3.2080% | 6,342 |
| Noninterest income to average assets | 0.6388% | 3,562 |
| Noninterest expense to average assets | 2.8680% | 4,545 |
| Loan and lease loss provision to assets | 0.3070% | 3,919 |
| Net operating income to assets | 0.2224% | 5,785 |
| Return on assets (ROA) | -0.0308% | 6,268 |
| Pretax return on assets | -0.1381% | 6,312 |
| Return on Equity (ROE) | -0.2316% | 6,264 |
| Retained earnings to average equity (ytd only) | -3.5105% | 6,232 |
| Net charge-offs to loans | 0.1863% | 4,334 |
| Credit loss provision to net charge-offs | 274.3902% | 1,669 |
| Earnings coverage of net charge-offs (x) | 5.0463% | 3,772 |
| Efficiency ratio | 80.0874% | 2,587 |
| Assets per employee ($millions) | 3.3119% | 5,187 |
| Cash dividends to net income (ytd only)* | -1,415.9292% | 8,284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1292% | 5,068 |
| Loan loss allowance to noncurrent loans | 41.4111% | 5,966 |
| Noncurrent assets plus other real estate owned to assets | 1.9006% | 2,588 |
| Noncurrent loans to loans | 2.7267% | 1,988 |
| Net loans and leases to total assets | 59.8322% | 5,935 |
| Net loans and leases to deposits | 93.0711% | 2,946 |
| Net loans and leases to core deposits | 106.7608% | 4,107 |
| Total domestic deposits to total assets | 64.2865% | 7,772 |
| Equity capital to assets | 13.0240% | 1,772 |
| Core capital (leverage) ratio | 10.4022% | 3,069 |
| Tier 1 risk-based capital ratio | 15.4417% | 2,863 |
| Total risk-based capital ratio | 16.5002% | 2,865 |
| Memoranda: | ||
| Average total assets | $366,489,200 | 1,833 |
| Average earning assets | $319,169,000 | 1,911 |
| Average equity | $48,795,800 | 1,403 |
| Average total loans | $220,046,800 | 2,126 |