Home > The Montezuma State Bank > Performance and Condition Ratios
The Montezuma State Bank, Performance and Condition Ratios
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2406% | 6,678 |
| Cost of funding earning assets | 0.1658% | 6,463 |
| Net interest margin | 2.0748% | 6,630 |
| Noninterest income to average assets | 0.0656% | 6,502 |
| Noninterest expense to average assets | 1.7654% | 6,377 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.2737% | 5,608 |
| Return on assets (ROA) | -0.8738% | 6,584 |
| Pretax return on assets | -0.9263% | 6,580 |
| Return on Equity (ROE) | -14.9340% | 6,642 |
| Retained earnings to average equity (ytd only) | -21.6639% | 6,682 |
| Net charge-offs to loans | -0.0228% | 6,166 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.7078% | 1,440 |
| Assets per employee ($millions) | 6.0702% | 1,230 |
| Cash dividends to net income (ytd only)* | -45.0644% | 6,789 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6594% | 2,536 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 31.8514% | 6,393 |
| Net loans and leases to deposits | 33.8431% | 6,491 |
| Net loans and leases to core deposits | 34.4933% | 6,508 |
| Total domestic deposits to total assets | 94.1147% | 78 |
| Equity capital to assets | 5.7793% | 6,637 |
| Core capital (leverage) ratio | 5.4978% | 6,690 |
| Tier 1 risk-based capital ratio | 13.3000% | 4,788 |
| Total risk-based capital ratio | 14.5369% | 4,736 |
| Memoranda: | ||
| Average total assets | $106,658,400 | 4,573 |
| Average earning assets | $102,518,000 | 4,451 |
| Average equity | $6,240,800 | 5,756 |
| Average total loans | $26,305,600 | 5,924 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2038% | 6,769 |
| Cost of funding earning assets | 0.1756% | 6,523 |
| Net interest margin | 2.0282% | 6,720 |
| Noninterest income to average assets | 0.0636% | 6,590 |
| Noninterest expense to average assets | 1.7534% | 6,406 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.2454% | 5,793 |
| Return on assets (ROA) | 0.3350% | 5,609 |
| Pretax return on assets | 0.3546% | 5,736 |
| Return on Equity (ROE) | 5.7101% | 4,336 |
| Retained earnings to average equity (ytd only) | -3.0426% | 6,358 |
| Net charge-offs to loans | -0.0267% | 6,137 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.1203% | 1,246 |
| Assets per employee ($millions) | 6.1602% | 1,130 |
| Cash dividends to net income (ytd only)* | 153.2875% | 128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7895% | 2,336 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 29.0099% | 6,563 |
| Net loans and leases to deposits | 30.7607% | 6,650 |
| Net loans and leases to core deposits | 31.3410% | 6,657 |
| Total domestic deposits to total assets | 94.3082% | 57 |
| Equity capital to assets | 5.4716% | 6,739 |
| Core capital (leverage) ratio | 6.7449% | 6,634 |
| Tier 1 risk-based capital ratio | 17.1798% | 2,634 |
| Total risk-based capital ratio | 18.4294% | 2,599 |
| Memoranda: | ||
| Average total assets | $109,042,250 | 4,553 |
| Average earning assets | $104,787,000 | 4,433 |
| Average equity | $6,397,750 | 5,788 |
| Average total loans | $25,017,750 | 6,036 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1354% | 6,829 |
| Cost of funding earning assets | 0.1776% | 6,581 |
| Net interest margin | 1.9577% | 6,781 |
| Noninterest income to average assets | 0.0640% | 6,624 |
| Noninterest expense to average assets | 1.6368% | 6,559 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.2904% | 5,630 |
| Return on assets (ROA) | 0.4052% | 5,364 |
| Pretax return on assets | 0.4283% | 5,582 |
| Return on Equity (ROE) | 6.7729% | 3,732 |
| Retained earnings to average equity (ytd only) | -4.9609% | 6,458 |
| Net charge-offs to loans | -0.0254% | 6,050 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.1865% | 1,613 |
| Assets per employee ($millions) | 6.4624% | 917 |
| Cash dividends to net income (ytd only)* | 173.2456% | 143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2202% | 1,385 |
| Loan loss allowance to noncurrent loans | 682.8947% | 657 |
| Noncurrent assets plus other real estate owned to assets | 0.0735% | 6,281 |
| Noncurrent loans to loans | 0.3251% | 5,482 |
| Net loans and leases to total assets | 22.1058% | 6,759 |
| Net loans and leases to deposits | 24.0800% | 6,803 |
| Net loans and leases to core deposits | 24.5242% | 6,805 |
| Total domestic deposits to total assets | 91.8016% | 292 |
| Equity capital to assets | 5.4218% | 6,799 |
| Core capital (leverage) ratio | 6.0766% | 6,746 |
| Tier 1 risk-based capital ratio | 19.3548% | 1,892 |
| Total risk-based capital ratio | 20.6076% | 1,864 |
| Memoranda: | ||
| Average total assets | $112,535,330 | 4,522 |
| Average earning assets | $108,083,330 | 4,382 |
| Average equity | $6,732,670 | 5,751 |
| Average total loans | $23,652,330 | 6,141 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1122% | 6,915 |
| Cost of funding earning assets | 0.1713% | 6,721 |
| Net interest margin | 1.9409% | 6,864 |
| Noninterest income to average assets | 0.0376% | 6,774 |
| Noninterest expense to average assets | 1.6806% | 6,586 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.2005% | 5,892 |
| Return on assets (ROA) | 0.4133% | 5,227 |
| Pretax return on assets | 0.4440% | 5,431 |
| Return on Equity (ROE) | 6.6338% | 3,699 |
| Retained earnings to average equity (ytd only) | 3.6184% | 4,070 |
| Net charge-offs to loans | -0.0168% | 5,642 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.6486% | 1,261 |
| Assets per employee ($millions) | 7.3811% | 636 |
| Cash dividends to net income (ytd only)* | 45.4545% | 1,696 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5087% | 1,107 |
| Loan loss allowance to noncurrent loans | 680.2632% | 658 |
| Noncurrent assets plus other real estate owned to assets | 0.0644% | 6,410 |
| Noncurrent loans to loans | 0.3688% | 5,478 |
| Net loans and leases to total assets | 17.0121% | 6,901 |
| Net loans and leases to deposits | 19.2227% | 6,910 |
| Net loans and leases to core deposits | 19.5440% | 6,911 |
| Total domestic deposits to total assets | 88.5002% | 2,008 |
| Equity capital to assets | 6.1390% | 6,816 |
| Core capital (leverage) ratio | 6.1216% | 6,788 |
| Tier 1 risk-based capital ratio | 21.0100% | 1,531 |
| Total risk-based capital ratio | 22.2651% | 1,505 |
| Memoranda: | ||
| Average total assets | $117,104,000 | 4,463 |
| Average earning assets | $112,112,500 | 4,331 |
| Average equity | $7,296,000 | 5,665 |
| Average total loans | $23,790,500 | 6,191 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1260% | 6,708 |
| Cost of funding earning assets | 0.2767% | 6,563 |
| Net interest margin | 2.8493% | 6,313 |
| Noninterest income to average assets | 0.1211% | 6,430 |
| Noninterest expense to average assets | 2.1008% | 6,127 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.7127% | 3,682 |
| Return on assets (ROA) | 1.6261% | 800 |
| Pretax return on assets | 1.6999% | 1,138 |
| Return on Equity (ROE) | 21.7094% | 229 |
| Retained earnings to average equity (ytd only) | 3.8922% | 3,456 |
| Net charge-offs to loans | -0.0236% | 6,578 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7297% | 3,108 |
| Assets per employee ($millions) | 7.7407% | 569 |
| Cash dividends to net income (ytd only)* | 82.0715% | 939 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9130% | 2,259 |
| Loan loss allowance to noncurrent loans | 678.9474% | 627 |
| Noncurrent assets plus other real estate owned to assets | 0.0655% | 6,452 |
| Noncurrent loans to loans | 0.2818% | 5,777 |
| Net loans and leases to total assets | 22.7862% | 6,877 |
| Net loans and leases to deposits | 28.1272% | 6,866 |
| Net loans and leases to core deposits | 28.7386% | 6,870 |
| Total domestic deposits to total assets | 81.0111% | 5,402 |
| Equity capital to assets | 6.3233% | 6,861 |
| Core capital (leverage) ratio | 6.4597% | 6,802 |
| Tier 1 risk-based capital ratio | 18.0940% | 2,228 |
| Total risk-based capital ratio | 19.3460% | 2,204 |
| Memoranda: | ||
| Average total assets | $101,532,600 | 4,788 |
| Average earning assets | $97,216,200 | 4,660 |
| Average equity | $7,605,000 | 5,611 |
| Average total loans | $25,428,600 | 6,166 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3156% | 6,717 |
| Cost of funding earning assets | 0.3012% | 6,613 |
| Net interest margin | 3.0144% | 6,141 |
| Noninterest income to average assets | 0.0722% | 6,728 |
| Noninterest expense to average assets | 2.1657% | 6,025 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.7748% | 3,576 |
| Return on assets (ROA) | 1.1591% | 2,066 |
| Pretax return on assets | 1.2150% | 2,936 |
| Return on Equity (ROE) | 14.7918% | 936 |
| Retained earnings to average equity (ytd only) | -1.3731% | 6,320 |
| Net charge-offs to loans | -0.0266% | 6,555 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7689% | 3,190 |
| Assets per employee ($millions) | 6.6923% | 868 |
| Cash dividends to net income (ytd only)* | 109.2831% | 253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2179% | 1,676 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 22.6181% | 6,995 |
| Net loans and leases to deposits | 24.6197% | 7,030 |
| Net loans and leases to core deposits | 25.0815% | 7,029 |
| Total domestic deposits to total assets | 91.8702% | 225 |
| Equity capital to assets | 7.8618% | 6,658 |
| Core capital (leverage) ratio | 6.6690% | 6,850 |
| Tier 1 risk-based capital ratio | 19.1432% | 1,966 |
| Total risk-based capital ratio | 20.3950% | 1,937 |
| Memoranda: | ||
| Average total assets | $97,888,250 | 4,934 |
| Average earning assets | $94,300,500 | 4,788 |
| Average equity | $7,670,750 | 5,653 |
| Average total loans | $25,042,500 | 6,273 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3116% | 6,807 |
| Cost of funding earning assets | 0.3143% | 6,671 |
| Net interest margin | 2.9974% | 6,249 |
| Noninterest income to average assets | 0.0804% | 6,755 |
| Noninterest expense to average assets | 2.1699% | 6,081 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.7649% | 3,536 |
| Return on assets (ROA) | 1.2426% | 1,761 |
| Pretax return on assets | 1.3023% | 2,549 |
| Return on Equity (ROE) | 15.8747% | 783 |
| Retained earnings to average equity (ytd only) | -1.1057% | 6,225 |
| Net charge-offs to loans | -0.0234% | 6,463 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0743% | 3,230 |
| Assets per employee ($millions) | 6.1454% | 1,141 |
| Cash dividends to net income (ytd only)* | 106.9652% | 361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0535% | 2,104 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 24.8853% | 7,012 |
| Net loans and leases to deposits | 27.6386% | 7,049 |
| Net loans and leases to core deposits | 28.1781% | 7,053 |
| Total domestic deposits to total assets | 90.0383% | 901 |
| Equity capital to assets | 7.7446% | 6,698 |
| Core capital (leverage) ratio | 6.8188% | 6,860 |
| Tier 1 risk-based capital ratio | 18.4293% | 2,154 |
| Total risk-based capital ratio | 19.6807% | 2,113 |
| Memoranda: | ||
| Average total assets | $97,056,330 | 4,977 |
| Average earning assets | $93,548,670 | 4,831 |
| Average equity | $7,597,000 | 5,686 |
| Average total loans | $25,650,000 | 6,280 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4119% | 6,795 |
| Cost of funding earning assets | 0.3494% | 6,640 |
| Net interest margin | 3.0625% | 6,151 |
| Noninterest income to average assets | 0.0581% | 6,901 |
| Noninterest expense to average assets | 2.1240% | 6,222 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.8370% | 3,212 |
| Return on assets (ROA) | 1.2902% | 1,650 |
| Pretax return on assets | 1.3566% | 2,347 |
| Return on Equity (ROE) | 16.3943% | 756 |
| Retained earnings to average equity (ytd only) | -6.0095% | 6,657 |
| Net charge-offs to loans | -0.0308% | 6,352 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7182% | 3,671 |
| Assets per employee ($millions) | 6.1603% | 1,181 |
| Cash dividends to net income (ytd only)* | 136.6559% | 355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1869% | 1,909 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 23.2336% | 7,097 |
| Net loans and leases to deposits | 25.6548% | 7,125 |
| Net loans and leases to core deposits | 26.1505% | 7,126 |
| Total domestic deposits to total assets | 90.5625% | 769 |
| Equity capital to assets | 7.6539% | 6,713 |
| Core capital (leverage) ratio | 6.5363% | 6,963 |
| Tier 1 risk-based capital ratio | 19.1213% | 1,956 |
| Total risk-based capital ratio | 20.3729% | 1,924 |
| Memoranda: | ||
| Average total assets | $96,421,000 | 5,029 |
| Average earning assets | $92,733,500 | 4,885 |
| Average equity | $7,588,000 | 5,713 |
| Average total loans | $25,984,000 | 6,311 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0641% | 6,332 |
| Cost of funding earning assets | 0.4861% | 6,589 |
| Net interest margin | 3.5780% | 4,817 |
| Noninterest income to average assets | 0.0850% | 6,701 |
| Noninterest expense to average assets | 2.3100% | 6,017 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.1478% | 1,675 |
| Return on assets (ROA) | 1.2752% | 1,407 |
| Pretax return on assets | 1.3284% | 2,024 |
| Return on Equity (ROE) | 15.8912% | 618 |
| Retained earnings to average equity (ytd only) | 3.3901% | 3,809 |
| Net charge-offs to loans | -0.1516% | 7,188 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8907% | 4,795 |
| Assets per employee ($millions) | 5.8924% | 1,312 |
| Cash dividends to net income (ytd only)* | 78.6667% | 831 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7860% | 2,911 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 29.7482% | 7,018 |
| Net loans and leases to deposits | 33.7469% | 7,052 |
| Net loans and leases to core deposits | 34.4469% | 7,070 |
| Total domestic deposits to total assets | 88.1510% | 2,061 |
| Equity capital to assets | 8.0952% | 6,514 |
| Core capital (leverage) ratio | 7.2527% | 6,766 |
| Tier 1 risk-based capital ratio | 17.8631% | 2,244 |
| Total risk-based capital ratio | 19.1139% | 2,213 |
| Memoranda: | ||
| Average total assets | $88,224,600 | 5,231 |
| Average earning assets | $84,349,000 | 5,109 |
| Average equity | $7,079,400 | 5,844 |
| Average total loans | $27,039,000 | 6,293 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1751% | 6,263 |
| Cost of funding earning assets | 0.5070% | 6,669 |
| Net interest margin | 3.6680% | 4,486 |
| Noninterest income to average assets | 0.0876% | 6,798 |
| Noninterest expense to average assets | 2.4033% | 5,758 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.1512% | 1,811 |
| Return on assets (ROA) | 1.3239% | 1,408 |
| Pretax return on assets | 1.3793% | 2,009 |
| Return on Equity (ROE) | 16.5384% | 607 |
| Retained earnings to average equity (ytd only) | -0.4610% | 6,062 |
| Net charge-offs to loans | -0.1451% | 7,224 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7093% | 4,583 |
| Assets per employee ($millions) | 5.4200% | 1,680 |
| Cash dividends to net income (ytd only)* | 102.7875% | 279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6625% | 3,407 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 33.9679% | 6,954 |
| Net loans and leases to deposits | 37.2699% | 7,054 |
| Net loans and leases to core deposits | 38.2295% | 7,081 |
| Total domestic deposits to total assets | 91.1405% | 395 |
| Equity capital to assets | 8.5690% | 6,231 |
| Core capital (leverage) ratio | 7.4914% | 6,769 |
| Tier 1 risk-based capital ratio | 16.4708% | 2,880 |
| Total risk-based capital ratio | 17.7204% | 2,842 |
| Memoranda: | ||
| Average total assets | $86,711,250 | 5,306 |
| Average earning assets | $83,094,500 | 5,186 |
| Average equity | $6,941,250 | 5,917 |
| Average total loans | $26,659,750 | 6,377 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1620% | 6,363 |
| Cost of funding earning assets | 0.5064% | 6,826 |
| Net interest margin | 3.6556% | 4,494 |
| Noninterest income to average assets | 0.0969% | 6,842 |
| Noninterest expense to average assets | 2.3689% | 5,934 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.1936% | 1,592 |
| Return on assets (ROA) | 1.3309% | 1,319 |
| Pretax return on assets | 1.3840% | 1,848 |
| Return on Equity (ROE) | 17.0257% | 553 |
| Retained earnings to average equity (ytd only) | -1.4163% | 6,139 |
| Net charge-offs to loans | -0.0626% | 7,066 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6230% | 4,947 |
| Assets per employee ($millions) | 5.2823% | 1,781 |
| Cash dividends to net income (ytd only)* | 108.3189% | 378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8825% | 2,721 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 29.4166% | 7,199 |
| Net loans and leases to deposits | 32.2226% | 7,268 |
| Net loans and leases to core deposits | 32.9569% | 7,280 |
| Total domestic deposits to total assets | 91.2917% | 397 |
| Equity capital to assets | 8.4752% | 6,219 |
| Core capital (leverage) ratio | 7.5196% | 6,732 |
| Tier 1 risk-based capital ratio | 18.9901% | 1,852 |
| Total risk-based capital ratio | 20.2428% | 1,813 |
| Memoranda: | ||
| Average total assets | $86,708,330 | 5,351 |
| Average earning assets | $83,325,330 | 5,221 |
| Average equity | $6,778,000 | 5,995 |
| Average total loans | $25,561,330 | 6,506 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0623% | 6,577 |
| Cost of funding earning assets | 0.4983% | 6,975 |
| Net interest margin | 3.5640% | 4,750 |
| Noninterest income to average assets | 0.0592% | 7,099 |
| Noninterest expense to average assets | 2.3735% | 5,971 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.0737% | 1,936 |
| Return on assets (ROA) | 1.1753% | 1,637 |
| Pretax return on assets | 1.2118% | 2,329 |
| Return on Equity (ROE) | 15.6708% | 717 |
| Retained earnings to average equity (ytd only) | -10.1435% | 6,876 |
| Net charge-offs to loans | -0.0935% | 7,066 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1937% | 4,619 |
| Assets per employee ($millions) | 5.0556% | 2,085 |
| Cash dividends to net income (ytd only)* | 164.7287% | 278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0606% | 2,268 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 26.2691% | 7,337 |
| Net loans and leases to deposits | 28.7726% | 7,374 |
| Net loans and leases to core deposits | 29.3193% | 7,380 |
| Total domestic deposits to total assets | 91.2991% | 487 |
| Equity capital to assets | 7.6595% | 6,778 |
| Core capital (leverage) ratio | 7.0773% | 6,970 |
| Tier 1 risk-based capital ratio | 20.2111% | 1,541 |
| Total risk-based capital ratio | 21.4634% | 1,512 |
| Memoranda: | ||
| Average total assets | $87,804,000 | 5,362 |
| Average earning assets | $84,286,500 | 5,220 |
| Average equity | $6,585,500 | 6,064 |
| Average total loans | $25,672,500 | 6,547 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5477% | 6,257 |
| Cost of funding earning assets | 0.6247% | 7,071 |
| Net interest margin | 3.9229% | 3,386 |
| Noninterest income to average assets | 0.0987% | 6,901 |
| Noninterest expense to average assets | 2.5561% | 5,596 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 1.2319% | 1,336 |
| Return on assets (ROA) | 1.5396% | 765 |
| Pretax return on assets | 1.6062% | 1,113 |
| Return on Equity (ROE) | 17.1709% | 463 |
| Retained earnings to average equity (ytd only) | 3.6601% | 3,295 |
| Net charge-offs to loans | -0.0185% | 7,362 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5332% | 4,860 |
| Assets per employee ($millions) | 5.2743% | 1,779 |
| Cash dividends to net income (ytd only)* | 78.6844% | 899 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6577% | 3,367 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 31.0318% | 7,319 |
| Net loans and leases to deposits | 40.2389% | 7,247 |
| Net loans and leases to core deposits | 41.1069% | 7,280 |
| Total domestic deposits to total assets | 77.1188% | 6,466 |
| Equity capital to assets | 7.3475% | 6,974 |
| Core capital (leverage) ratio | 7.5513% | 6,658 |
| Tier 1 risk-based capital ratio | 16.9764% | 2,354 |
| Total risk-based capital ratio | 18.2147% | 2,322 |
| Memoranda: | ||
| Average total assets | $78,009,200 | 5,644 |
| Average earning assets | $74,434,000 | 5,528 |
| Average equity | $6,994,400 | 6,036 |
| Average total loans | $27,061,200 | 6,549 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6915% | 6,054 |
| Cost of funding earning assets | 0.6567% | 7,163 |
| Net interest margin | 4.0348% | 2,931 |
| Noninterest income to average assets | 0.1065% | 7,020 |
| Noninterest expense to average assets | 2.6969% | 4,893 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.2136% | 1,559 |
| Return on assets (ROA) | 1.4914% | 1,021 |
| Pretax return on assets | 1.5500% | 1,476 |
| Return on Equity (ROE) | 15.7831% | 732 |
| Retained earnings to average equity (ytd only) | -1.7849% | 6,159 |
| Net charge-offs to loans | -0.0150% | 7,317 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1472% | 4,443 |
| Assets per employee ($millions) | 4.7560% | 2,515 |
| Cash dividends to net income (ytd only)* | 111.3101% | 269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6855% | 3,196 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 35.7969% | 7,275 |
| Net loans and leases to deposits | 39.7618% | 7,379 |
| Net loans and leases to core deposits | 40.6258% | 7,414 |
| Total domestic deposits to total assets | 90.0284% | 866 |
| Equity capital to assets | 9.6851% | 4,564 |
| Core capital (leverage) ratio | 8.0476% | 6,278 |
| Tier 1 risk-based capital ratio | 16.7263% | 2,447 |
| Total risk-based capital ratio | 17.9757% | 2,413 |
| Memoranda: | ||
| Average total assets | $75,095,750 | 5,803 |
| Average earning assets | $71,674,000 | 5,676 |
| Average equity | $7,096,000 | 6,081 |
| Average total loans | $26,753,250 | 6,659 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6809% | 6,203 |
| Cost of funding earning assets | 0.6671% | 7,262 |
| Net interest margin | 4.0138% | 2,949 |
| Noninterest income to average assets | 0.1311% | 6,932 |
| Noninterest expense to average assets | 2.7019% | 4,898 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.2157% | 1,521 |
| Return on assets (ROA) | 1.5650% | 845 |
| Pretax return on assets | 1.6238% | 1,235 |
| Return on Equity (ROE) | 16.7031% | 609 |
| Retained earnings to average equity (ytd only) | -4.9396% | 6,550 |
| Net charge-offs to loans | -0.0530% | 7,457 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1972% | 4,540 |
| Assets per employee ($millions) | 4.5784% | 2,756 |
| Cash dividends to net income (ytd only)* | 129.5726% | 237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7551% | 2,880 |
| Loan loss allowance to noncurrent loans | 47,100.0000% | 10 |
| Noncurrent assets plus other real estate owned to assets | 0.0014% | 7,429 |
| Noncurrent loans to loans | 0.0037% | 7,332 |
| Net loans and leases to total assets | 35.9907% | 7,351 |
| Net loans and leases to deposits | 41.2101% | 7,412 |
| Net loans and leases to core deposits | 42.1685% | 7,450 |
| Total domestic deposits to total assets | 87.3347% | 2,366 |
| Equity capital to assets | 9.3454% | 4,937 |
| Core capital (leverage) ratio | 8.1014% | 6,112 |
| Tier 1 risk-based capital ratio | 16.9266% | 2,307 |
| Total risk-based capital ratio | 18.1790% | 2,261 |
| Memoranda: | ||
| Average total assets | $74,762,330 | 5,846 |
| Average earning assets | $71,354,330 | 5,728 |
| Average equity | $7,004,670 | 6,138 |
| Average total loans | $26,435,330 | 6,721 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7740% | 5,988 |
| Cost of funding earning assets | 0.6614% | 7,412 |
| Net interest margin | 4.1127% | 2,386 |
| Noninterest income to average assets | 0.1059% | 7,173 |
| Noninterest expense to average assets | 2.7067% | 4,876 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.2783% | 1,341 |
| Return on assets (ROA) | 1.8486% | 493 |
| Pretax return on assets | 1.9069% | 726 |
| Return on Equity (ROE) | 19.7064% | 398 |
| Retained earnings to average equity (ytd only) | -8.5263% | 6,868 |
| Net charge-offs to loans | -0.1067% | 7,528 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2368% | 4,872 |
| Assets per employee ($millions) | 4.4003% | 3,130 |
| Cash dividends to net income (ytd only)* | 143.2665% | 332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8837% | 2,499 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 32.7959% | 7,543 |
| Net loans and leases to deposits | 37.8549% | 7,583 |
| Net loans and leases to core deposits | 38.7212% | 7,608 |
| Total domestic deposits to total assets | 86.6359% | 2,824 |
| Equity capital to assets | 9.3537% | 4,754 |
| Core capital (leverage) ratio | 7.9621% | 6,290 |
| Tier 1 risk-based capital ratio | 16.8944% | 2,298 |
| Total risk-based capital ratio | 18.1456% | 2,257 |
| Memoranda: | ||
| Average total assets | $75,516,000 | 5,893 |
| Average earning assets | $71,972,500 | 5,777 |
| Average equity | $7,084,000 | 6,170 |
| Average total loans | $26,235,000 | 6,818 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0844% | 6,151 |
| Cost of funding earning assets | 0.7375% | 7,640 |
| Net interest margin | 4.3469% | 1,584 |
| Noninterest income to average assets | 0.1421% | 7,027 |
| Noninterest expense to average assets | 2.7886% | 5,022 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 1.4383% | 788 |
| Return on assets (ROA) | 1.7165% | 453 |
| Pretax return on assets | 1.7897% | 649 |
| Return on Equity (ROE) | 18.1283% | 359 |
| Retained earnings to average equity (ytd only) | 4.7847% | 1,928 |
| Net charge-offs to loans | -0.0578% | 7,853 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0262% | 5,579 |
| Assets per employee ($millions) | 4.4839% | 2,956 |
| Cash dividends to net income (ytd only)* | 73.6066% | 1,412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6894% | 2,929 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 35.4231% | 7,545 |
| Net loans and leases to deposits | 44.3565% | 7,501 |
| Net loans and leases to core deposits | 48.0112% | 7,628 |
| Total domestic deposits to total assets | 79.8602% | 5,712 |
| Equity capital to assets | 9.4074% | 4,543 |
| Core capital (leverage) ratio | 8.5818% | 5,132 |
| Tier 1 risk-based capital ratio | 16.2051% | 2,431 |
| Total risk-based capital ratio | 17.4231% | 2,377 |
| Memoranda: | ||
| Average total assets | $71,074,200 | 5,970 |
| Average earning assets | $67,795,400 | 5,875 |
| Average equity | $6,729,800 | 6,355 |
| Average total loans | $25,945,200 | 6,856 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1614% | 6,059 |
| Cost of funding earning assets | 0.7773% | 7,725 |
| Net interest margin | 4.3841% | 1,482 |
| Noninterest income to average assets | 0.1452% | 7,136 |
| Noninterest expense to average assets | 2.8009% | 4,898 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.4750% | 864 |
| Return on assets (ROA) | 1.7501% | 530 |
| Pretax return on assets | 1.8227% | 766 |
| Return on Equity (ROE) | 18.4500% | 414 |
| Retained earnings to average equity (ytd only) | 1.5711% | 4,435 |
| Net charge-offs to loans | -0.0678% | 7,889 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5815% | 5,641 |
| Assets per employee ($millions) | 4.2677% | 3,257 |
| Cash dividends to net income (ytd only)* | 91.4853% | 713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6179% | 2,926 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 38.7231% | 7,522 |
| Net loans and leases to deposits | 47.1883% | 7,533 |
| Net loans and leases to core deposits | 51.6899% | 7,652 |
| Total domestic deposits to total assets | 82.0609% | 4,653 |
| Equity capital to assets | 9.8593% | 4,261 |
| Core capital (leverage) ratio | 8.3378% | 5,769 |
| Tier 1 risk-based capital ratio | 15.7082% | 2,738 |
| Total risk-based capital ratio | 16.9320% | 2,684 |
| Memoranda: | ||
| Average total assets | $69,786,000 | 6,047 |
| Average earning assets | $66,724,000 | 5,948 |
| Average equity | $6,619,500 | 6,443 |
| Average total loans | $25,565,000 | 6,936 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2160% | 6,022 |
| Cost of funding earning assets | 0.8116% | 7,807 |
| Net interest margin | 4.4044% | 1,401 |
| Noninterest income to average assets | 0.1626% | 7,110 |
| Noninterest expense to average assets | 2.7736% | 5,073 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.5359% | 776 |
| Return on assets (ROA) | 1.8732% | 427 |
| Pretax return on assets | 1.9488% | 634 |
| Return on Equity (ROE) | 20.0259% | 338 |
| Retained earnings to average equity (ytd only) | 2.6391% | 3,860 |
| Net charge-offs to loans | -0.0977% | 7,949 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4551% | 6,014 |
| Assets per employee ($millions) | 4.6013% | 2,606 |
| Cash dividends to net income (ytd only)* | 86.8217% | 954 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8635% | 1,880 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 35.1753% | 7,735 |
| Net loans and leases to deposits | 39.0768% | 7,839 |
| Net loans and leases to core deposits | 42.5758% | 7,900 |
| Total domestic deposits to total assets | 90.0159% | 825 |
| Equity capital to assets | 9.2886% | 4,896 |
| Core capital (leverage) ratio | 8.5127% | 5,425 |
| Tier 1 risk-based capital ratio | 17.4497% | 2,167 |
| Total risk-based capital ratio | 18.7022% | 2,121 |
| Memoranda: | ||
| Average total assets | $68,864,330 | 6,115 |
| Average earning assets | $65,797,330 | 6,015 |
| Average equity | $6,441,670 | 6,553 |
| Average total loans | $24,568,000 | 7,052 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3000% | 5,890 |
| Cost of funding earning assets | 0.8519% | 7,863 |
| Net interest margin | 4.4481% | 1,237 |
| Noninterest income to average assets | 0.1221% | 7,413 |
| Noninterest expense to average assets | 2.7098% | 4,954 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.6100% | 773 |
| Return on assets (ROA) | 1.7736% | 615 |
| Pretax return on assets | 1.8318% | 921 |
| Return on Equity (ROE) | 18.8942% | 515 |
| Retained earnings to average equity (ytd only) | -7.4338% | 6,846 |
| Net charge-offs to loans | -0.1961% | 8,007 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9681% | 6,054 |
| Assets per employee ($millions) | 4.5700% | 2,608 |
| Cash dividends to net income (ytd only)* | 139.3443% | 498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0236% | 1,366 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 32.5602% | 7,850 |
| Net loans and leases to deposits | 36.5866% | 7,931 |
| Net loans and leases to core deposits | 40.7813% | 7,965 |
| Total domestic deposits to total assets | 88.9949% | 1,230 |
| Equity capital to assets | 9.4413% | 4,756 |
| Core capital (leverage) ratio | 8.2066% | 6,087 |
| Tier 1 risk-based capital ratio | 18.0726% | 2,034 |
| Total risk-based capital ratio | 19.3245% | 1,982 |
| Memoranda: | ||
| Average total assets | $68,786,500 | 6,148 |
| Average earning assets | $65,736,000 | 6,045 |
| Average equity | $6,457,000 | 6,596 |
| Average total loans | $24,482,500 | 7,103 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5841% | 7,123 |
| Cost of funding earning assets | 1.1450% | 7,978 |
| Net interest margin | 4.4391% | 1,563 |
| Noninterest income to average assets | 0.1550% | 7,316 |
| Noninterest expense to average assets | 2.8342% | 4,674 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.4547% | 1,118 |
| Return on assets (ROA) | 1.5381% | 917 |
| Pretax return on assets | 1.6094% | 1,358 |
| Return on Equity (ROE) | 17.6607% | 562 |
| Retained earnings to average equity (ytd only) | 3.9701% | 2,662 |
| Net charge-offs to loans | 0.1388% | 4,834 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 26.5405% | 1,282 |
| Efficiency ratio | 65.0534% | 5,311 |
| Assets per employee ($millions) | 4.0602% | 3,388 |
| Cash dividends to net income (ytd only)* | 77.5202% | 1,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7148% | 1,866 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 37.2847% | 7,790 |
| Net loans and leases to deposits | 42.6140% | 7,884 |
| Net loans and leases to core deposits | 49.5695% | 7,896 |
| Total domestic deposits to total assets | 87.4940% | 1,707 |
| Equity capital to assets | 9.3331% | 4,894 |
| Core capital (leverage) ratio | 8.7675% | 5,087 |
| Tier 1 risk-based capital ratio | 16.8142% | 2,381 |
| Total risk-based capital ratio | 18.0643% | 2,315 |
| Memoranda: | ||
| Average total assets | $64,496,800 | 6,210 |
| Average earning assets | $61,048,400 | 6,130 |
| Average equity | $5,617,000 | 6,942 |
| Average total loans | $26,665,600 | 6,923 |