Home > The National Bank of Delaware County > Performance and Condition Ratios
The National Bank of Delaware County, 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 | 3.1205% | 5,525 |
| Cost of funding earning assets | 0.3949% | 3,097 |
| Net interest margin | 2.7256% | 5,541 |
| Noninterest income to average assets | 0.6911% | 2,184 |
| Noninterest expense to average assets | 3.0191% | 2,280 |
| Loan and lease loss provision to assets | 0.0011% | 4,010 |
| Net operating income to assets | 0.2249% | 5,479 |
| Return on assets (ROA) | 0.2483% | 5,498 |
| Pretax return on assets | 0.1146% | 5,712 |
| Return on Equity (ROE) | 2.3420% | 5,427 |
| Retained earnings to average equity (ytd only) | 2.3420% | 4,384 |
| Net charge-offs to loans | 0.0613% | 2,319 |
| Credit loss provision to net charge-offs | 5.7143% | 3,025 |
| Earnings coverage of net charge-offs (x) | 4.9429% | 2,918 |
| Efficiency ratio | 94.8964% | 382 |
| Assets per employee ($millions) | 3.9114% | 4,077 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4666% | 1,996 |
| Loan loss allowance to noncurrent loans | 210.3316% | 2,183 |
| Noncurrent assets plus other real estate owned to assets | 0.2088% | 4,657 |
| Noncurrent loans to loans | 0.6973% | 2,988 |
| Net loans and leases to total assets | 29.5038% | 5,790 |
| Net loans and leases to deposits | 33.8099% | 5,826 |
| Net loans and leases to core deposits | 35.0523% | 5,831 |
| Total domestic deposits to total assets | 87.2638% | 1,772 |
| Equity capital to assets | 10.9332% | 3,126 |
| Core capital (leverage) ratio | 8.9254% | 4,912 |
| Tier 1 risk-based capital ratio | 23.5461% | 960 |
| Total risk-based capital ratio | 24.7099% | 943 |
| Memoranda: | ||
| Average total assets | $375,342,000 | 1,786 |
| Average earning assets | $333,283,670 | 1,862 |
| Average equity | $39,795,000 | 1,865 |
| Average total loans | $114,106,000 | 3,174 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1238% | 5,578 |
| Cost of funding earning assets | 0.3975% | 3,099 |
| Net interest margin | 2.7262% | 5,579 |
| Noninterest income to average assets | 0.7909% | 1,659 |
| Noninterest expense to average assets | 2.9931% | 2,414 |
| Loan and lease loss provision to assets | 0.0021% | 3,647 |
| Net operating income to assets | 0.2707% | 5,378 |
| Return on assets (ROA) | 0.3166% | 5,338 |
| Pretax return on assets | 0.2537% | 5,578 |
| Return on Equity (ROE) | 3.0333% | 5,221 |
| Retained earnings to average equity (ytd only) | 3.0333% | 3,994 |
| Net charge-offs to loans | 0.1531% | 1,202 |
| Credit loss provision to net charge-offs | 4.5455% | 2,398 |
| Earnings coverage of net charge-offs (x) | 4.4773% | 2,430 |
| Efficiency ratio | 91.3478% | 588 |
| Assets per employee ($millions) | 3.9650% | 4,013 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4355% | 2,268 |
| Loan loss allowance to noncurrent loans | 257.0533% | 1,832 |
| Noncurrent assets plus other real estate owned to assets | 0.1676% | 4,896 |
| Noncurrent loans to loans | 0.5584% | 3,512 |
| Net loans and leases to total assets | 29.5833% | 5,837 |
| Net loans and leases to deposits | 33.9001% | 5,875 |
| Net loans and leases to core deposits | 35.1278% | 5,874 |
| Total domestic deposits to total assets | 87.2661% | 2,067 |
| Equity capital to assets | 10.5762% | 3,395 |
| Core capital (leverage) ratio | 9.1294% | 4,692 |
| Tier 1 risk-based capital ratio | 22.6136% | 1,072 |
| Total risk-based capital ratio | 23.7197% | 1,065 |
| Memoranda: | ||
| Average total assets | $375,264,500 | 1,788 |
| Average earning assets | $332,034,500 | 1,871 |
| Average equity | $39,165,500 | 1,885 |
| Average total loans | $114,941,500 | 3,163 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2812% | 5,379 |
| Cost of funding earning assets | 0.4331% | 2,816 |
| Net interest margin | 2.8481% | 5,427 |
| Noninterest income to average assets | 0.6142% | 2,646 |
| Noninterest expense to average assets | 3.0727% | 2,316 |
| Loan and lease loss provision to assets | 0.0538% | 3,240 |
| Net operating income to assets | 0.0556% | 5,808 |
| Return on assets (ROA) | 0.3126% | 5,406 |
| Pretax return on assets | 0.2634% | 5,591 |
| Return on Equity (ROE) | 3.0472% | 5,286 |
| Retained earnings to average equity (ytd only) | 2.0778% | 4,543 |
| Net charge-offs to loans | 0.0938% | 2,488 |
| Credit loss provision to net charge-offs | 194.1748% | 1,431 |
| Earnings coverage of net charge-offs (x) | 2.1748% | 3,962 |
| Efficiency ratio | 95.6760% | 412 |
| Assets per employee ($millions) | 3.8530% | 4,204 |
| Cash dividends to net income (ytd only)* | 31.8143% | 3,253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4545% | 2,196 |
| Loan loss allowance to noncurrent loans | 237.2355% | 2,004 |
| Noncurrent assets plus other real estate owned to assets | 0.1917% | 4,833 |
| Noncurrent loans to loans | 0.6131% | 3,343 |
| Net loans and leases to total assets | 30.8079% | 5,871 |
| Net loans and leases to deposits | 35.7379% | 5,899 |
| Net loans and leases to core deposits | 37.0230% | 5,901 |
| Total domestic deposits to total assets | 86.2052% | 2,534 |
| Equity capital to assets | 10.2933% | 3,634 |
| Core capital (leverage) ratio | 9.3356% | 4,418 |
| Tier 1 risk-based capital ratio | 22.4557% | 1,091 |
| Total risk-based capital ratio | 23.5583% | 1,089 |
| Memoranda: | ||
| Average total assets | $372,051,200 | 1,760 |
| Average earning assets | $329,027,000 | 1,846 |
| Average equity | $38,166,200 | 1,878 |
| Average total loans | $109,843,400 | 3,203 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2843% | 5,435 |
| Cost of funding earning assets | 0.4358% | 2,840 |
| Net interest margin | 2.8485% | 5,499 |
| Noninterest income to average assets | 0.6069% | 2,702 |
| Noninterest expense to average assets | 3.2088% | 1,946 |
| Loan and lease loss provision to assets | 0.0641% | 2,903 |
| Net operating income to assets | -0.0705% | 5,984 |
| Return on assets (ROA) | 0.2491% | 5,655 |
| Pretax return on assets | 0.1703% | 5,825 |
| Return on Equity (ROE) | 2.4300% | 5,569 |
| Retained earnings to average equity (ytd only) | 1.7841% | 4,986 |
| Net charge-offs to loans | 0.1218% | 1,907 |
| Credit loss provision to net charge-offs | 180.8081% | 1,461 |
| Earnings coverage of net charge-offs (x) | -2.4040% | 4,085 |
| Efficiency ratio | 100.2749% | 294 |
| Assets per employee ($millions) | 3.8398% | 4,190 |
| Cash dividends to net income (ytd only)* | 26.5803% | 2,971 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4626% | 2,315 |
| Loan loss allowance to noncurrent loans | 231.5716% | 1,997 |
| Noncurrent assets plus other real estate owned to assets | 0.1930% | 4,978 |
| Noncurrent loans to loans | 0.6316% | 3,425 |
| Net loans and leases to total assets | 30.1162% | 5,969 |
| Net loans and leases to deposits | 35.2686% | 5,996 |
| Net loans and leases to core deposits | 36.4732% | 6,006 |
| Total domestic deposits to total assets | 85.3911% | 2,832 |
| Equity capital to assets | 10.3582% | 3,750 |
| Core capital (leverage) ratio | 9.1456% | 4,817 |
| Tier 1 risk-based capital ratio | 22.1544% | 1,173 |
| Total risk-based capital ratio | 23.2409% | 1,177 |
| Memoranda: | ||
| Average total assets | $372,591,000 | 1,775 |
| Average earning assets | $329,193,000 | 1,852 |
| Average equity | $38,189,250 | 1,892 |
| Average total loans | $108,394,750 | 3,257 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2674% | 5,501 |
| Cost of funding earning assets | 0.4391% | 2,851 |
| Net interest margin | 2.8283% | 5,560 |
| Noninterest income to average assets | 0.6006% | 2,737 |
| Noninterest expense to average assets | 3.2756% | 1,774 |
| Loan and lease loss provision to assets | 0.0676% | 2,769 |
| Net operating income to assets | -0.1954% | 6,102 |
| Return on assets (ROA) | 0.2812% | 5,581 |
| Pretax return on assets | 0.2303% | 5,770 |
| Return on Equity (ROE) | 2.7536% | 5,495 |
| Retained earnings to average equity (ytd only) | 1.7814% | 4,809 |
| Net charge-offs to loans | 0.1182% | 1,823 |
| Credit loss provision to net charge-offs | 200.0000% | 1,223 |
| Earnings coverage of net charge-offs (x) | -5.2857% | 3,822 |
| Efficiency ratio | 103.2929% | 265 |
| Assets per employee ($millions) | 3.7674% | 4,299 |
| Cash dividends to net income (ytd only)* | 35.3053% | 2,609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4735% | 2,400 |
| Loan loss allowance to noncurrent loans | 397.1084% | 1,270 |
| Noncurrent assets plus other real estate owned to assets | 0.1113% | 5,417 |
| Noncurrent loans to loans | 0.3711% | 4,378 |
| Net loans and leases to total assets | 29.5441% | 6,051 |
| Net loans and leases to deposits | 34.1023% | 6,079 |
| Net loans and leases to core deposits | 35.2958% | 6,083 |
| Total domestic deposits to total assets | 86.6338% | 2,356 |
| Equity capital to assets | 9.8458% | 4,225 |
| Core capital (leverage) ratio | 9.0342% | 4,916 |
| Tier 1 risk-based capital ratio | 21.9297% | 1,220 |
| Total risk-based capital ratio | 23.0210% | 1,223 |
| Memoranda: | ||
| Average total assets | $372,635,670 | 1,786 |
| Average earning assets | $328,887,000 | 1,870 |
| Average equity | $38,059,000 | 1,910 |
| Average total loans | $106,581,330 | 3,309 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1938% | 5,658 |
| Cost of funding earning assets | 0.4505% | 2,764 |
| Net interest margin | 2.7433% | 5,749 |
| Noninterest income to average assets | 0.6035% | 2,628 |
| Noninterest expense to average assets | 3.3485% | 1,605 |
| Loan and lease loss provision to assets | 0.0762% | 2,427 |
| Net operating income to assets | -0.3951% | 6,214 |
| Return on assets (ROA) | 0.3447% | 5,382 |
| Pretax return on assets | 0.3533% | 5,534 |
| Return on Equity (ROE) | 3.3155% | 5,244 |
| Retained earnings to average equity (ytd only) | 3.3155% | 3,994 |
| Net charge-offs to loans | 0.1732% | 1,237 |
| Credit loss provision to net charge-offs | 157.7778% | 1,214 |
| Earnings coverage of net charge-offs (x) | -6.7333% | 3,237 |
| Efficiency ratio | 108.2416% | 209 |
| Assets per employee ($millions) | 3.6174% | 4,687 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5322% | 2,311 |
| Loan loss allowance to noncurrent loans | 212.8137% | 2,108 |
| Noncurrent assets plus other real estate owned to assets | 0.2507% | 4,940 |
| Noncurrent loans to loans | 0.7200% | 3,462 |
| Net loans and leases to total assets | 28.3379% | 6,123 |
| Net loans and leases to deposits | 32.6050% | 6,141 |
| Net loans and leases to core deposits | 33.7727% | 6,147 |
| Total domestic deposits to total assets | 86.9127% | 2,419 |
| Equity capital to assets | 10.6433% | 3,382 |
| Core capital (leverage) ratio | 8.8280% | 5,164 |
| Tier 1 risk-based capital ratio | 22.8246% | 1,132 |
| Total risk-based capital ratio | 23.9578% | 1,130 |
| Memoranda: | ||
| Average total assets | $372,468,000 | 1,793 |
| Average earning assets | $328,506,500 | 1,873 |
| Average equity | $38,727,500 | 1,887 |
| Average total loans | $103,952,500 | 3,376 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3939% | 5,542 |
| Cost of funding earning assets | 0.5290% | 2,401 |
| Net interest margin | 2.8649% | 5,708 |
| Noninterest income to average assets | 0.6491% | 2,554 |
| Noninterest expense to average assets | 3.1050% | 2,496 |
| Loan and lease loss provision to assets | 0.0235% | 4,134 |
| Net operating income to assets | 0.0057% | 6,084 |
| Return on assets (ROA) | 0.3917% | 5,317 |
| Pretax return on assets | 0.3894% | 5,508 |
| Return on Equity (ROE) | 3.9114% | 5,150 |
| Retained earnings to average equity (ytd only) | 2.0018% | 4,787 |
| Net charge-offs to loans | 0.1717% | 2,313 |
| Credit loss provision to net charge-offs | 43.7870% | 3,611 |
| Earnings coverage of net charge-offs (x) | 0.5030% | 4,628 |
| Efficiency ratio | 96.4547% | 483 |
| Assets per employee ($millions) | 3.6151% | 4,694 |
| Cash dividends to net income (ytd only)* | 48.8221% | 2,342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5424% | 2,292 |
| Loan loss allowance to noncurrent loans | 248.4326% | 1,915 |
| Noncurrent assets plus other real estate owned to assets | 0.2100% | 5,183 |
| Noncurrent loans to loans | 0.6209% | 3,824 |
| Net loans and leases to total assets | 26.6544% | 6,265 |
| Net loans and leases to deposits | 32.8851% | 6,240 |
| Net loans and leases to core deposits | 34.0527% | 6,237 |
| Total domestic deposits to total assets | 81.0531% | 4,731 |
| Equity capital to assets | 10.1609% | 3,906 |
| Core capital (leverage) ratio | 8.6637% | 5,374 |
| Tier 1 risk-based capital ratio | 16.1486% | 2,889 |
| Total risk-based capital ratio | 16.9547% | 3,055 |
| Memoranda: | ||
| Average total assets | $314,298,400 | 2,066 |
| Average earning assets | $272,399,400 | 2,177 |
| Average equity | $31,472,000 | 2,196 |
| Average total loans | $98,402,800 | 3,458 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3831% | 5,621 |
| Cost of funding earning assets | 0.5508% | 2,278 |
| Net interest margin | 2.8323% | 5,824 |
| Noninterest income to average assets | 0.4640% | 3,776 |
| Noninterest expense to average assets | 3.0462% | 2,651 |
| Loan and lease loss provision to assets | 0.0130% | 4,157 |
| Net operating income to assets | -0.0832% | 6,210 |
| Return on assets (ROA) | 0.3043% | 5,642 |
| Pretax return on assets | 0.2313% | 5,899 |
| Return on Equity (ROE) | 3.0529% | 5,519 |
| Retained earnings to average equity (ytd only) | 1.1852% | 5,417 |
| Net charge-offs to loans | 0.1603% | 2,201 |
| Credit loss provision to net charge-offs | 24.7863% | 3,526 |
| Earnings coverage of net charge-offs (x) | -2.7350% | 4,587 |
| Efficiency ratio | 102.0037% | 325 |
| Assets per employee ($millions) | 3.4847% | 4,893 |
| Cash dividends to net income (ytd only)* | 61.1764% | 1,335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6150% | 2,249 |
| Loan loss allowance to noncurrent loans | 295.9108% | 1,546 |
| Noncurrent assets plus other real estate owned to assets | 0.1887% | 5,458 |
| Noncurrent loans to loans | 0.5458% | 4,282 |
| Net loans and leases to total assets | 26.2557% | 6,352 |
| Net loans and leases to deposits | 31.0222% | 6,358 |
| Net loans and leases to core deposits | 32.1015% | 6,359 |
| Total domestic deposits to total assets | 84.6352% | 3,487 |
| Equity capital to assets | 10.0654% | 4,087 |
| Core capital (leverage) ratio | 10.8641% | 2,616 |
| Tier 1 risk-based capital ratio | 18.2718% | 2,124 |
| Total risk-based capital ratio | 19.2002% | 2,190 |
| Memoranda: | ||
| Average total assets | $297,977,750 | 2,185 |
| Average earning assets | $256,604,000 | 2,312 |
| Average equity | $29,697,750 | 2,298 |
| Average total loans | $97,313,500 | 3,504 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6052% | 5,138 |
| Cost of funding earning assets | 0.5977% | 1,916 |
| Net interest margin | 3.0075% | 5,501 |
| Noninterest income to average assets | 0.4734% | 3,682 |
| Noninterest expense to average assets | 3.1141% | 2,440 |
| Loan and lease loss provision to assets | 0.0394% | 3,517 |
| Net operating income to assets | -0.0601% | 6,233 |
| Return on assets (ROA) | 0.4851% | 4,940 |
| Pretax return on assets | 0.4880% | 5,310 |
| Return on Equity (ROE) | 4.8890% | 4,726 |
| Retained earnings to average equity (ytd only) | 1.8306% | 4,973 |
| Net charge-offs to loans | 0.2043% | 1,803 |
| Credit loss provision to net charge-offs | 54.5455% | 2,722 |
| Earnings coverage of net charge-offs (x) | -0.3232% | 4,166 |
| Efficiency ratio | 97.7578% | 478 |
| Assets per employee ($millions) | 3.7285% | 4,397 |
| Cash dividends to net income (ytd only)* | 62.5564% | 1,419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6806% | 2,180 |
| Loan loss allowance to noncurrent loans | 233.9056% | 1,876 |
| Noncurrent assets plus other real estate owned to assets | 0.4140% | 4,769 |
| Noncurrent loans to loans | 0.7185% | 3,907 |
| Net loans and leases to total assets | 33.7567% | 6,163 |
| Net loans and leases to deposits | 40.3680% | 6,137 |
| Net loans and leases to core deposits | 42.8805% | 6,118 |
| Total domestic deposits to total assets | 83.6224% | 4,066 |
| Equity capital to assets | 10.1658% | 3,879 |
| Core capital (leverage) ratio | 8.6438% | 5,476 |
| Tier 1 risk-based capital ratio | 17.7949% | 2,313 |
| Total risk-based capital ratio | 19.0139% | 2,292 |
| Memoranda: | ||
| Average total assets | $274,176,000 | 2,340 |
| Average earning assets | $238,600,670 | 2,459 |
| Average equity | $27,203,670 | 2,465 |
| Average total loans | $96,892,670 | 3,519 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5992% | 5,170 |
| Cost of funding earning assets | 0.6056% | 1,931 |
| Net interest margin | 2.9937% | 5,541 |
| Noninterest income to average assets | 0.4926% | 3,472 |
| Noninterest expense to average assets | 2.9023% | 3,209 |
| Loan and lease loss provision to assets | 0.0223% | 3,540 |
| Net operating income to assets | 0.3042% | 5,475 |
| Return on assets (ROA) | 0.3086% | 5,510 |
| Pretax return on assets | 0.1692% | 5,979 |
| Return on Equity (ROE) | 3.1512% | 5,410 |
| Retained earnings to average equity (ytd only) | 2.3180% | 4,676 |
| Net charge-offs to loans | 0.1655% | 1,727 |
| Credit loss provision to net charge-offs | 37.5000% | 2,319 |
| Earnings coverage of net charge-offs (x) | 3.1500% | 2,727 |
| Efficiency ratio | 90.9222% | 960 |
| Assets per employee ($millions) | 3.8983% | 4,143 |
| Cash dividends to net income (ytd only)* | 26.4423% | 2,387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7183% | 2,291 |
| Loan loss allowance to noncurrent loans | 195.8580% | 2,129 |
| Noncurrent assets plus other real estate owned to assets | 0.4802% | 4,698 |
| Noncurrent loans to loans | 0.8773% | 3,694 |
| Net loans and leases to total assets | 34.2017% | 6,172 |
| Net loans and leases to deposits | 39.2163% | 6,196 |
| Net loans and leases to core deposits | 41.7455% | 6,165 |
| Total domestic deposits to total assets | 87.2129% | 2,692 |
| Equity capital to assets | 9.8508% | 4,029 |
| Core capital (leverage) ratio | 9.1806% | 4,744 |
| Tier 1 risk-based capital ratio | 18.7906% | 2,034 |
| Total risk-based capital ratio | 20.0405% | 1,991 |
| Memoranda: | ||
| Average total assets | $269,582,500 | 2,382 |
| Average earning assets | $233,828,000 | 2,506 |
| Average equity | $26,402,500 | 2,520 |
| Average total loans | $96,694,500 | 3,541 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7611% | 4,942 |
| Cost of funding earning assets | 0.6596% | 2,129 |
| Net interest margin | 3.1015% | 5,308 |
| Noninterest income to average assets | 0.5691% | 3,276 |
| Noninterest expense to average assets | 2.8394% | 3,574 |
| Loan and lease loss provision to assets | 0.1958% | 1,893 |
| Net operating income to assets | 0.2659% | 5,636 |
| Return on assets (ROA) | 0.5385% | 4,687 |
| Pretax return on assets | 0.5243% | 5,126 |
| Return on Equity (ROE) | 5.2648% | 4,510 |
| Retained earnings to average equity (ytd only) | 1.4620% | 5,160 |
| Net charge-offs to loans | 0.4241% | 1,575 |
| Credit loss provision to net charge-offs | 128.9926% | 1,819 |
| Earnings coverage of net charge-offs (x) | 2.9484% | 4,011 |
| Efficiency ratio | 83.1745% | 1,727 |
| Assets per employee ($millions) | 3.8027% | 4,257 |
| Cash dividends to net income (ytd only)* | 72.2299% | 1,230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7307% | 2,299 |
| Loan loss allowance to noncurrent loans | 172.4846% | 2,357 |
| Noncurrent assets plus other real estate owned to assets | 0.5919% | 4,462 |
| Noncurrent loans to loans | 1.0034% | 3,506 |
| Net loans and leases to total assets | 36.3552% | 6,182 |
| Net loans and leases to deposits | 41.8857% | 6,232 |
| Net loans and leases to core deposits | 44.5469% | 6,205 |
| Total domestic deposits to total assets | 86.7962% | 2,832 |
| Equity capital to assets | 9.7338% | 4,126 |
| Core capital (leverage) ratio | 9.3020% | 4,545 |
| Tier 1 risk-based capital ratio | 18.7291% | 2,000 |
| Total risk-based capital ratio | 19.9793% | 1,961 |
| Memoranda: | ||
| Average total assets | $268,153,600 | 2,366 |
| Average earning assets | $234,985,200 | 2,470 |
| Average equity | $27,427,400 | 2,420 |
| Average total loans | $95,961,400 | 3,555 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8112% | 4,817 |
| Cost of funding earning assets | 0.6666% | 2,210 |
| Net interest margin | 3.1446% | 5,166 |
| Noninterest income to average assets | 0.4446% | 4,195 |
| Noninterest expense to average assets | 2.7745% | 3,750 |
| Loan and lease loss provision to assets | 0.1335% | 2,611 |
| Net operating income to assets | 0.3259% | 5,507 |
| Return on assets (ROA) | 0.5341% | 4,802 |
| Pretax return on assets | 0.5069% | 5,335 |
| Return on Equity (ROE) | 5.1613% | 4,646 |
| Retained earnings to average equity (ytd only) | 2.4325% | 4,871 |
| Net charge-offs to loans | 0.4069% | 1,576 |
| Credit loss provision to net charge-offs | 92.4658% | 2,569 |
| Earnings coverage of net charge-offs (x) | 2.9932% | 3,840 |
| Efficiency ratio | 83.1740% | 1,688 |
| Assets per employee ($millions) | 3.8488% | 4,131 |
| Cash dividends to net income (ytd only)* | 52.8702% | 1,740 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6153% | 2,938 |
| Loan loss allowance to noncurrent loans | 175.1991% | 2,247 |
| Noncurrent assets plus other real estate owned to assets | 0.5622% | 4,765 |
| Noncurrent loans to loans | 0.9220% | 3,972 |
| Net loans and leases to total assets | 35.3209% | 6,310 |
| Net loans and leases to deposits | 40.8166% | 6,358 |
| Net loans and leases to core deposits | 42.3798% | 6,376 |
| Total domestic deposits to total assets | 86.5357% | 2,942 |
| Equity capital to assets | 9.6796% | 4,324 |
| Core capital (leverage) ratio | 9.3519% | 4,614 |
| Tier 1 risk-based capital ratio | 18.6869% | 2,083 |
| Total risk-based capital ratio | 19.8622% | 2,081 |
| Memoranda: | ||
| Average total assets | $269,595,500 | 2,368 |
| Average earning assets | $236,805,000 | 2,467 |
| Average equity | $27,899,250 | 2,418 |
| Average total loans | $95,684,000 | 3,586 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8031% | 4,819 |
| Cost of funding earning assets | 0.6668% | 2,343 |
| Net interest margin | 3.1364% | 5,171 |
| Noninterest income to average assets | 0.4436% | 4,212 |
| Noninterest expense to average assets | 2.7578% | 3,825 |
| Loan and lease loss provision to assets | 0.0886% | 3,306 |
| Net operating income to assets | 0.4112% | 5,175 |
| Return on assets (ROA) | 0.5167% | 4,897 |
| Pretax return on assets | 0.4702% | 5,460 |
| Return on Equity (ROE) | 4.8899% | 4,783 |
| Retained earnings to average equity (ytd only) | 1.2854% | 5,382 |
| Net charge-offs to loans | 0.1566% | 2,849 |
| Credit loss provision to net charge-offs | 160.0000% | 1,453 |
| Earnings coverage of net charge-offs (x) | 8.1867% | 2,444 |
| Efficiency ratio | 82.5517% | 1,816 |
| Assets per employee ($millions) | 3.7673% | 4,268 |
| Cash dividends to net income (ytd only)* | 73.7143% | 1,077 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6842% | 2,836 |
| Loan loss allowance to noncurrent loans | 64.4346% | 4,609 |
| Noncurrent assets plus other real estate owned to assets | 1.2221% | 3,310 |
| Noncurrent loans to loans | 2.6138% | 1,755 |
| Net loans and leases to total assets | 34.5845% | 6,384 |
| Net loans and leases to deposits | 40.8939% | 6,372 |
| Net loans and leases to core deposits | 42.5287% | 6,385 |
| Total domestic deposits to total assets | 84.5712% | 4,100 |
| Equity capital to assets | 9.6230% | 4,419 |
| Core capital (leverage) ratio | 9.0998% | 4,826 |
| Tier 1 risk-based capital ratio | 18.3832% | 2,182 |
| Total risk-based capital ratio | 19.6081% | 2,153 |
| Memoranda: | ||
| Average total assets | $270,938,000 | 2,362 |
| Average earning assets | $239,066,000 | 2,455 |
| Average equity | $28,630,330 | 2,375 |
| Average total loans | $95,798,330 | 3,597 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7810% | 4,886 |
| Cost of funding earning assets | 0.6702% | 2,478 |
| Net interest margin | 3.1108% | 5,220 |
| Noninterest income to average assets | 0.4609% | 4,042 |
| Noninterest expense to average assets | 2.7756% | 3,782 |
| Loan and lease loss provision to assets | 0.1108% | 2,848 |
| Net operating income to assets | 0.4387% | 4,965 |
| Return on assets (ROA) | 0.4387% | 5,130 |
| Pretax return on assets | 0.3309% | 5,777 |
| Return on Equity (ROE) | 3.9740% | 5,106 |
| Retained earnings to average equity (ytd only) | 3.9740% | 3,851 |
| Net charge-offs to loans | 0.0125% | 3,896 |
| Credit loss provision to net charge-offs | 2,500.0000% | 122 |
| Earnings coverage of net charge-offs (x) | 99.6667% | 380 |
| Efficiency ratio | 82.9660% | 1,891 |
| Assets per employee ($millions) | 4.0183% | 3,909 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7182% | 2,932 |
| Loan loss allowance to noncurrent loans | 53.5913% | 5,005 |
| Noncurrent assets plus other real estate owned to assets | 1.1561% | 3,632 |
| Noncurrent loans to loans | 3.2062% | 1,536 |
| Net loans and leases to total assets | 34.2052% | 6,407 |
| Net loans and leases to deposits | 39.9208% | 6,423 |
| Net loans and leases to core deposits | 41.6730% | 6,412 |
| Total domestic deposits to total assets | 85.6827% | 3,689 |
| Equity capital to assets | 10.8896% | 3,088 |
| Core capital (leverage) ratio | 9.3360% | 4,346 |
| Tier 1 risk-based capital ratio | 19.2399% | 1,968 |
| Total risk-based capital ratio | 20.4903% | 1,941 |
| Memoranda: | ||
| Average total assets | $270,784,000 | 2,384 |
| Average earning assets | $239,939,500 | 2,472 |
| Average equity | $29,894,500 | 2,299 |
| Average total loans | $95,989,500 | 3,613 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0504% | 5,145 |
| Cost of funding earning assets | 0.7946% | 2,708 |
| Net interest margin | 3.2558% | 5,412 |
| Noninterest income to average assets | 0.4835% | 4,018 |
| Noninterest expense to average assets | 2.8233% | 3,932 |
| Loan and lease loss provision to assets | 0.0868% | 4,610 |
| Net operating income to assets | 0.4226% | 4,997 |
| Return on assets (ROA) | 0.5542% | 4,708 |
| Pretax return on assets | 0.5885% | 5,026 |
| Return on Equity (ROE) | 5.0644% | 4,651 |
| Retained earnings to average equity (ytd only) | 1.8889% | 4,894 |
| Net charge-offs to loans | 0.2840% | 3,241 |
| Credit loss provision to net charge-offs | 83.5125% | 3,712 |
| Earnings coverage of net charge-offs (x) | 5.1505% | 3,134 |
| Efficiency ratio | 80.5146% | 2,084 |
| Assets per employee ($millions) | 4.0655% | 3,823 |
| Cash dividends to net income (ytd only)* | 62.7016% | 1,665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6123% | 3,253 |
| Loan loss allowance to noncurrent loans | 51.5172% | 5,055 |
| Noncurrent assets plus other real estate owned to assets | 1.1300% | 3,770 |
| Noncurrent loans to loans | 3.1296% | 1,653 |
| Net loans and leases to total assets | 35.5240% | 6,465 |
| Net loans and leases to deposits | 43.0175% | 6,426 |
| Net loans and leases to core deposits | 45.2272% | 6,409 |
| Total domestic deposits to total assets | 82.5801% | 4,898 |
| Equity capital to assets | 11.1931% | 2,744 |
| Core capital (leverage) ratio | 9.2225% | 4,539 |
| Tier 1 risk-based capital ratio | 19.2571% | 1,878 |
| Total risk-based capital ratio | 20.5071% | 1,852 |
| Memoranda: | ||
| Average total assets | $268,483,400 | 2,355 |
| Average earning assets | $237,086,000 | 2,441 |
| Average equity | $29,381,800 | 2,290 |
| Average total loans | $98,254,200 | 3,566 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0995% | 5,189 |
| Cost of funding earning assets | 0.8211% | 2,764 |
| Net interest margin | 3.2783% | 5,460 |
| Noninterest income to average assets | 0.4692% | 4,142 |
| Noninterest expense to average assets | 2.8918% | 3,631 |
| Loan and lease loss provision to assets | 0.0720% | 4,766 |
| Net operating income to assets | 0.3925% | 5,276 |
| Return on assets (ROA) | 0.5015% | 5,104 |
| Pretax return on assets | 0.5109% | 5,436 |
| Return on Equity (ROE) | 4.6088% | 4,998 |
| Retained earnings to average equity (ytd only) | 2.4824% | 5,091 |
| Net charge-offs to loans | 0.2650% | 3,130 |
| Credit loss provision to net charge-offs | 73.9796% | 3,795 |
| Earnings coverage of net charge-offs (x) | 4.8469% | 3,188 |
| Efficiency ratio | 82.3738% | 1,767 |
| Assets per employee ($millions) | 4.1100% | 3,665 |
| Cash dividends to net income (ytd only)* | 46.1389% | 1,876 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5925% | 3,545 |
| Loan loss allowance to noncurrent loans | 48.3991% | 5,213 |
| Noncurrent assets plus other real estate owned to assets | 1.1859% | 3,918 |
| Noncurrent loans to loans | 3.2904% | 1,669 |
| Net loans and leases to total assets | 35.4685% | 6,579 |
| Net loans and leases to deposits | 42.6784% | 6,566 |
| Net loans and leases to core deposits | 44.6054% | 6,573 |
| Total domestic deposits to total assets | 83.1064% | 4,604 |
| Equity capital to assets | 11.0435% | 3,217 |
| Core capital (leverage) ratio | 9.1806% | 4,796 |
| Tier 1 risk-based capital ratio | 19.0371% | 2,000 |
| Total risk-based capital ratio | 20.2829% | 1,973 |
| Memoranda: | ||
| Average total assets | $268,522,750 | 2,384 |
| Average earning assets | $237,066,250 | 2,462 |
| Average equity | $29,218,750 | 2,322 |
| Average total loans | $98,597,250 | 3,600 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1578% | 5,093 |
| Cost of funding earning assets | 0.8568% | 2,742 |
| Net interest margin | 3.3010% | 5,437 |
| Noninterest income to average assets | 0.4768% | 4,082 |
| Noninterest expense to average assets | 2.8960% | 3,630 |
| Loan and lease loss provision to assets | 0.0336% | 5,249 |
| Net operating income to assets | 0.4348% | 5,099 |
| Return on assets (ROA) | 0.5254% | 4,972 |
| Pretax return on assets | 0.5575% | 5,285 |
| Return on Equity (ROE) | 4.8528% | 4,872 |
| Retained earnings to average equity (ytd only) | 1.6360% | 5,391 |
| Net charge-offs to loans | 0.3965% | 2,436 |
| Credit loss provision to net charge-offs | 22.9592% | 4,559 |
| Earnings coverage of net charge-offs (x) | 3.3776% | 3,396 |
| Efficiency ratio | 81.8162% | 1,906 |
| Assets per employee ($millions) | 4.0456% | 3,780 |
| Cash dividends to net income (ytd only)* | 66.2873% | 1,186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4842% | 4,085 |
| Loan loss allowance to noncurrent loans | 44.0981% | 5,442 |
| Noncurrent assets plus other real estate owned to assets | 1.2010% | 4,008 |
| Noncurrent loans to loans | 3.3657% | 1,723 |
| Net loans and leases to total assets | 35.1540% | 6,658 |
| Net loans and leases to deposits | 42.8294% | 6,612 |
| Net loans and leases to core deposits | 45.2007% | 6,612 |
| Total domestic deposits to total assets | 82.0791% | 5,097 |
| Equity capital to assets | 10.5855% | 3,583 |
| Core capital (leverage) ratio | 8.9016% | 5,047 |
| Tier 1 risk-based capital ratio | 18.7260% | 2,057 |
| Total risk-based capital ratio | 19.8902% | 2,045 |
| Memoranda: | ||
| Average total assets | $267,609,330 | 2,390 |
| Average earning assets | $236,230,330 | 2,464 |
| Average equity | $28,972,670 | 2,329 |
| Average total loans | $98,873,000 | 3,598 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2220% | 5,029 |
| Cost of funding earning assets | 0.9111% | 2,597 |
| Net interest margin | 3.3109% | 5,436 |
| Noninterest income to average assets | 0.5033% | 3,885 |
| Noninterest expense to average assets | 2.9713% | 3,381 |
| Loan and lease loss provision to assets | 0.0455% | 4,834 |
| Net operating income to assets | 0.3844% | 5,326 |
| Return on assets (ROA) | 0.5730% | 4,701 |
| Pretax return on assets | 0.6049% | 5,101 |
| Return on Equity (ROE) | 5.2321% | 4,676 |
| Retained earnings to average equity (ytd only) | 5.2321% | 3,412 |
| Net charge-offs to loans | 0.4394% | 1,995 |
| Credit loss provision to net charge-offs | 27.5229% | 3,664 |
| Earnings coverage of net charge-offs (x) | 2.7339% | 3,088 |
| Efficiency ratio | 83.2152% | 1,769 |
| Assets per employee ($millions) | 4.0838% | 3,835 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5618% | 3,883 |
| Loan loss allowance to noncurrent loans | 49.0851% | 5,122 |
| Noncurrent assets plus other real estate owned to assets | 1.1557% | 4,196 |
| Noncurrent loans to loans | 3.1818% | 2,021 |
| Net loans and leases to total assets | 35.7549% | 6,636 |
| Net loans and leases to deposits | 41.8633% | 6,667 |
| Net loans and leases to core deposits | 44.3497% | 6,641 |
| Total domestic deposits to total assets | 85.4088% | 3,830 |
| Equity capital to assets | 10.7223% | 3,237 |
| Core capital (leverage) ratio | 9.3006% | 4,364 |
| Tier 1 risk-based capital ratio | 18.9737% | 1,993 |
| Total risk-based capital ratio | 20.2076% | 1,958 |
| Memoranda: | ||
| Average total assets | $263,862,000 | 2,441 |
| Average earning assets | $232,688,500 | 2,518 |
| Average equity | $28,898,500 | 2,328 |
| Average total loans | $99,226,000 | 3,616 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5863% | 4,728 |
| Cost of funding earning assets | 1.0042% | 3,347 |
| Net interest margin | 3.5821% | 4,799 |
| Noninterest income to average assets | 0.5496% | 3,513 |
| Noninterest expense to average assets | 2.9486% | 3,779 |
| Loan and lease loss provision to assets | 0.2660% | 3,560 |
| Net operating income to assets | 0.4228% | 4,765 |
| Return on assets (ROA) | 0.6263% | 4,052 |
| Pretax return on assets | 0.7030% | 4,317 |
| Return on Equity (ROE) | 5.7566% | 3,998 |
| Retained earnings to average equity (ytd only) | 1.8978% | 4,851 |
| Net charge-offs to loans | 0.3558% | 3,627 |
| Credit loss provision to net charge-offs | 183.9050% | 1,400 |
| Earnings coverage of net charge-offs (x) | 5.1187% | 2,895 |
| Efficiency ratio | 76.2466% | 2,848 |
| Assets per employee ($millions) | 3.7969% | 4,320 |
| Cash dividends to net income (ytd only)* | 67.0323% | 1,268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5992% | 3,592 |
| Loan loss allowance to noncurrent loans | 56.5600% | 4,680 |
| Noncurrent assets plus other real estate owned to assets | 1.1011% | 4,417 |
| Noncurrent loans to loans | 2.8274% | 2,320 |
| Net loans and leases to total assets | 38.3219% | 6,638 |
| Net loans and leases to deposits | 45.3836% | 6,655 |
| Net loans and leases to core deposits | 51.1069% | 6,473 |
| Total domestic deposits to total assets | 84.4399% | 4,124 |
| Equity capital to assets | 11.1921% | 2,804 |
| Core capital (leverage) ratio | 9.0565% | 4,685 |
| Tier 1 risk-based capital ratio | 18.8654% | 1,938 |
| Total risk-based capital ratio | 20.1165% | 1,896 |
| Memoranda: | ||
| Average total assets | $262,025,000 | 2,412 |
| Average earning assets | $229,642,000 | 2,511 |
| Average equity | $28,506,400 | 2,297 |
| Average total loans | $106,514,800 | 3,460 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6372% | 4,717 |
| Cost of funding earning assets | 1.0223% | 3,520 |
| Net interest margin | 3.6150% | 4,707 |
| Noninterest income to average assets | 0.5257% | 3,691 |
| Noninterest expense to average assets | 2.9948% | 3,569 |
| Loan and lease loss provision to assets | 0.1861% | 4,171 |
| Net operating income to assets | 0.4774% | 4,648 |
| Return on assets (ROA) | 0.5491% | 4,506 |
| Pretax return on assets | 0.5881% | 4,852 |
| Return on Equity (ROE) | 5.0828% | 4,499 |
| Retained earnings to average equity (ytd only) | 2.5015% | 4,870 |
| Net charge-offs to loans | 0.4691% | 2,859 |
| Credit loss provision to net charge-offs | 96.5789% | 3,553 |
| Earnings coverage of net charge-offs (x) | 3.6185% | 3,367 |
| Efficiency ratio | 77.3963% | 2,626 |
| Assets per employee ($millions) | 4.1945% | 3,456 |
| Cash dividends to net income (ytd only)* | 50.7853% | 1,551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2444% | 5,278 |
| Loan loss allowance to noncurrent loans | 101.7530% | 2,916 |
| Noncurrent assets plus other real estate owned to assets | 0.4675% | 5,912 |
| Noncurrent loans to loans | 1.2230% | 4,503 |
| Net loans and leases to total assets | 37.7501% | 6,784 |
| Net loans and leases to deposits | 44.4844% | 6,810 |
| Net loans and leases to core deposits | 50.9441% | 6,625 |
| Total domestic deposits to total assets | 84.8614% | 3,837 |
| Equity capital to assets | 11.0651% | 3,078 |
| Core capital (leverage) ratio | 9.0390% | 4,869 |
| Tier 1 risk-based capital ratio | 18.4159% | 2,111 |
| Total risk-based capital ratio | 19.4365% | 2,156 |
| Memoranda: | ||
| Average total assets | $262,983,250 | 2,416 |
| Average earning assets | $230,332,250 | 2,507 |
| Average equity | $28,408,750 | 2,307 |
| Average total loans | $108,005,500 | 3,462 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7039% | 4,516 |
| Cost of funding earning assets | 1.0467% | 3,629 |
| Net interest margin | 3.6572% | 4,488 |
| Noninterest income to average assets | 0.5292% | 3,633 |
| Noninterest expense to average assets | 3.0426% | 3,469 |
| Loan and lease loss provision to assets | 0.1646% | 4,285 |
| Net operating income to assets | 0.4978% | 4,507 |
| Return on assets (ROA) | 0.5468% | 4,454 |
| Pretax return on assets | 0.5797% | 4,812 |
| Return on Equity (ROE) | 5.1042% | 4,400 |
| Retained earnings to average equity (ytd only) | 1.1724% | 5,391 |
| Net charge-offs to loans | -0.0055% | 6,596 |
| Credit loss provision to net charge-offs | -7,166.6667% | 6,798 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7527% | 2,749 |
| Assets per employee ($millions) | 3.9059% | 3,979 |
| Cash dividends to net income (ytd only)* | 77.0308% | 861 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4044% | 4,546 |
| Loan loss allowance to noncurrent loans | 70.4015% | 3,927 |
| Noncurrent assets plus other real estate owned to assets | 0.8185% | 5,247 |
| Noncurrent loans to loans | 1.9949% | 3,485 |
| Net loans and leases to total assets | 40.4533% | 6,710 |
| Net loans and leases to deposits | 47.1026% | 6,771 |
| Net loans and leases to core deposits | 54.1022% | 6,554 |
| Total domestic deposits to total assets | 85.8833% | 3,388 |
| Equity capital to assets | 10.8786% | 3,093 |
| Core capital (leverage) ratio | 8.7609% | 5,112 |
| Tier 1 risk-based capital ratio | 17.8335% | 2,229 |
| Total risk-based capital ratio | 19.0225% | 2,203 |
| Memoranda: | ||
| Average total assets | $261,162,000 | 2,447 |
| Average earning assets | $228,918,670 | 2,540 |
| Average equity | $27,977,000 | 2,316 |
| Average total loans | $109,802,000 | 3,461 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7171% | 4,449 |
| Cost of funding earning assets | 1.0593% | 3,788 |
| Net interest margin | 3.6577% | 4,295 |
| Noninterest income to average assets | 0.5673% | 3,387 |
| Noninterest expense to average assets | 3.1246% | 3,162 |
| Loan and lease loss provision to assets | 0.0567% | 5,292 |
| Net operating income to assets | 0.5320% | 4,345 |
| Return on assets (ROA) | 0.6010% | 4,092 |
| Pretax return on assets | 0.6654% | 4,437 |
| Return on Equity (ROE) | 5.6543% | 4,085 |
| Retained earnings to average equity (ytd only) | 5.6543% | 2,822 |
| Net charge-offs to loans | -0.0324% | 6,738 |
| Credit loss provision to net charge-offs | -411.1111% | 5,928 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.2192% | 2,661 |
| Assets per employee ($millions) | 3.9466% | 3,952 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2053% | 5,605 |
| Loan loss allowance to noncurrent loans | 173.0570% | 1,689 |
| Noncurrent assets plus other real estate owned to assets | 0.2877% | 6,470 |
| Noncurrent loans to loans | 0.6965% | 5,625 |
| Net loans and leases to total assets | 40.8038% | 6,716 |
| Net loans and leases to deposits | 47.2206% | 6,781 |
| Net loans and leases to core deposits | 53.3073% | 6,601 |
| Total domestic deposits to total assets | 86.4110% | 3,285 |
| Equity capital to assets | 10.3938% | 3,290 |
| Core capital (leverage) ratio | 8.9623% | 4,671 |
| Tier 1 risk-based capital ratio | 17.4246% | 2,331 |
| Total risk-based capital ratio | 18.4460% | 2,381 |
| Memoranda: | ||
| Average total assets | $260,894,500 | 2,464 |
| Average earning assets | $228,446,500 | 2,560 |
| Average equity | $27,731,000 | 2,319 |
| Average total loans | $111,016,500 | 3,463 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8055% | 5,390 |
| Cost of funding earning assets | 1.1685% | 4,746 |
| Net interest margin | 3.6370% | 4,633 |
| Noninterest income to average assets | 0.5511% | 3,817 |
| Noninterest expense to average assets | 3.0064% | 3,831 |
| Loan and lease loss provision to assets | 0.0474% | 6,689 |
| Net operating income to assets | 0.5731% | 3,788 |
| Return on assets (ROA) | 0.6622% | 3,526 |
| Pretax return on assets | 0.7681% | 3,734 |
| Return on Equity (ROE) | 5.8954% | 3,658 |
| Retained earnings to average equity (ytd only) | 2.3793% | 4,207 |
| Net charge-offs to loans | 0.1288% | 5,610 |
| Credit loss provision to net charge-offs | 82.7586% | 5,458 |
| Earnings coverage of net charge-offs (x) | 12.4207% | 1,506 |
| Efficiency ratio | 76.6851% | 2,933 |
| Assets per employee ($millions) | 3.7267% | 4,407 |
| Cash dividends to net income (ytd only)* | 59.6418% | 1,640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1602% | 5,690 |
| Loan loss allowance to noncurrent loans | 153.5714% | 1,943 |
| Noncurrent assets plus other real estate owned to assets | 0.3551% | 6,374 |
| Noncurrent loans to loans | 0.7555% | 5,531 |
| Net loans and leases to total assets | 43.3677% | 6,761 |
| Net loans and leases to deposits | 50.7448% | 6,818 |
| Net loans and leases to core deposits | 57.9457% | 6,564 |
| Total domestic deposits to total assets | 85.4623% | 3,624 |
| Equity capital to assets | 10.8785% | 2,795 |
| Core capital (leverage) ratio | 9.0697% | 4,414 |
| Tier 1 risk-based capital ratio | 17.2148% | 2,266 |
| Total risk-based capital ratio | 18.2086% | 2,325 |
| Memoranda: | ||
| Average total assets | $252,963,800 | 2,520 |
| Average earning assets | $220,290,200 | 2,634 |
| Average equity | $28,411,800 | 2,293 |
| Average total loans | $112,578,200 | 3,482 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7926% | 5,696 |
| Cost of funding earning assets | 1.1804% | 4,976 |
| Net interest margin | 3.6122% | 4,817 |
| Noninterest income to average assets | 0.5484% | 3,803 |
| Noninterest expense to average assets | 3.0721% | 3,463 |
| Loan and lease loss provision to assets | 0.0475% | 6,609 |
| Net operating income to assets | 0.4980% | 4,327 |
| Return on assets (ROA) | 0.6159% | 3,981 |
| Pretax return on assets | 0.7092% | 4,199 |
| Return on Equity (ROE) | 5.4407% | 4,060 |
| Retained earnings to average equity (ytd only) | 3.1117% | 4,261 |
| Net charge-offs to loans | 0.1641% | 5,007 |
| Credit loss provision to net charge-offs | 64.7482% | 5,570 |
| Earnings coverage of net charge-offs (x) | 8.4748% | 2,158 |
| Efficiency ratio | 78.9263% | 2,498 |
| Assets per employee ($millions) | 3.5322% | 4,897 |
| Cash dividends to net income (ytd only)* | 42.8083% | 1,958 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1192% | 5,859 |
| Loan loss allowance to noncurrent loans | 223.6749% | 1,303 |
| Noncurrent assets plus other real estate owned to assets | 0.2461% | 6,750 |
| Noncurrent loans to loans | 0.5004% | 6,197 |
| Net loans and leases to total assets | 43.9792% | 6,845 |
| Net loans and leases to deposits | 51.7671% | 6,897 |
| Net loans and leases to core deposits | 59.7625% | 6,628 |
| Total domestic deposits to total assets | 84.9560% | 3,637 |
| Equity capital to assets | 11.4753% | 2,553 |
| Core capital (leverage) ratio | 9.2011% | 4,368 |
| Tier 1 risk-based capital ratio | 17.0868% | 2,311 |
| Total risk-based capital ratio | 18.0576% | 2,370 |
| Memoranda: | ||
| Average total assets | $252,850,500 | 2,559 |
| Average earning assets | $220,137,750 | 2,666 |
| Average equity | $28,622,750 | 2,301 |
| Average total loans | $112,925,000 | 3,530 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7796% | 5,860 |
| Cost of funding earning assets | 1.2056% | 5,095 |
| Net interest margin | 3.5740% | 4,931 |
| Noninterest income to average assets | 0.5722% | 3,529 |
| Noninterest expense to average assets | 3.0742% | 3,418 |
| Loan and lease loss provision to assets | 0.0476% | 6,491 |
| Net operating income to assets | 0.4889% | 4,381 |
| Return on assets (ROA) | 0.5635% | 4,173 |
| Pretax return on assets | 0.6411% | 4,427 |
| Return on Equity (ROE) | 5.0008% | 4,285 |
| Retained earnings to average equity (ytd only) | 1.4841% | 5,130 |
| Net charge-offs to loans | 0.2091% | 4,359 |
| Credit loss provision to net charge-offs | 50.8475% | 5,397 |
| Earnings coverage of net charge-offs (x) | 6.4576% | 2,455 |
| Efficiency ratio | 79.2933% | 2,529 |
| Assets per employee ($millions) | 3.5116% | 4,900 |
| Cash dividends to net income (ytd only)* | 70.3235% | 1,022 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1116% | 5,891 |
| Loan loss allowance to noncurrent loans | 141.2360% | 1,962 |
| Noncurrent assets plus other real estate owned to assets | 0.3810% | 6,483 |
| Noncurrent loans to loans | 0.7870% | 5,699 |
| Net loans and leases to total assets | 44.8516% | 6,864 |
| Net loans and leases to deposits | 52.5844% | 6,939 |
| Net loans and leases to core deposits | 61.0765% | 6,634 |
| Total domestic deposits to total assets | 85.2945% | 3,468 |
| Equity capital to assets | 11.5064% | 2,437 |
| Core capital (leverage) ratio | 9.0451% | 4,534 |
| Tier 1 risk-based capital ratio | 16.7464% | 2,383 |
| Total risk-based capital ratio | 17.7135% | 2,435 |
| Memoranda: | ||
| Average total assets | $252,360,670 | 2,582 |
| Average earning assets | $219,308,000 | 2,696 |
| Average equity | $28,435,670 | 2,307 |
| Average total loans | $112,862,000 | 3,561 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9066% | 5,440 |
| Cost of funding earning assets | 1.2072% | 5,363 |
| Net interest margin | 3.6995% | 4,245 |
| Noninterest income to average assets | 0.6160% | 3,161 |
| Noninterest expense to average assets | 3.0408% | 3,521 |
| Loan and lease loss provision to assets | 0.0473% | 6,192 |
| Net operating income to assets | 0.6307% | 3,755 |
| Return on assets (ROA) | 0.6334% | 3,861 |
| Pretax return on assets | 0.7468% | 4,074 |
| Return on Equity (ROE) | 5.6801% | 4,023 |
| Retained earnings to average equity (ytd only) | 5.6801% | 2,774 |
| Net charge-offs to loans | 0.3512% | 3,002 |
| Credit loss provision to net charge-offs | 30.3030% | 4,807 |
| Earnings coverage of net charge-offs (x) | 5.0707% | 2,478 |
| Efficiency ratio | 75.2878% | 3,348 |
| Assets per employee ($millions) | 3.5986% | 4,824 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1121% | 5,949 |
| Loan loss allowance to noncurrent loans | 133.4047% | 2,098 |
| Noncurrent assets plus other real estate owned to assets | 0.3656% | 6,565 |
| Noncurrent loans to loans | 0.8337% | 5,647 |
| Net loans and leases to total assets | 43.3615% | 7,038 |
| Net loans and leases to deposits | 51.8503% | 7,055 |
| Net loans and leases to core deposits | 60.2463% | 6,723 |
| Total domestic deposits to total assets | 83.6284% | 4,330 |
| Equity capital to assets | 11.1783% | 2,610 |
| Core capital (leverage) ratio | 8.9729% | 4,616 |
| Tier 1 risk-based capital ratio | 16.7121% | 2,370 |
| Total risk-based capital ratio | 17.6630% | 2,439 |
| Memoranda: | ||
| Average total assets | $253,880,000 | 2,615 |
| Average earning assets | $220,681,000 | 2,731 |
| Average equity | $28,309,500 | 2,349 |
| Average total loans | $112,752,000 | 3,632 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1012% | 6,080 |
| Cost of funding earning assets | 1.3957% | 5,949 |
| Net interest margin | 3.7056% | 4,120 |
| Noninterest income to average assets | 0.5485% | 4,035 |
| Noninterest expense to average assets | 2.9883% | 4,195 |
| Loan and lease loss provision to assets | 0.0759% | 6,833 |
| Net operating income to assets | 0.5795% | 3,408 |
| Return on assets (ROA) | 0.7251% | 2,908 |
| Pretax return on assets | 0.8961% | 2,939 |
| Return on Equity (ROE) | 6.6220% | 2,941 |
| Retained earnings to average equity (ytd only) | 3.8492% | 2,513 |
| Net charge-offs to loans | -0.0436% | 7,839 |
| Credit loss provision to net charge-offs | -395.8333% | 7,418 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9829% | 3,900 |
| Assets per employee ($millions) | 3.6037% | 4,774 |
| Cash dividends to net income (ytd only)* | 41.8733% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1589% | 5,592 |
| Loan loss allowance to noncurrent loans | 205.7903% | 1,447 |
| Noncurrent assets plus other real estate owned to assets | 0.2533% | 6,821 |
| Noncurrent loans to loans | 0.5632% | 6,122 |
| Net loans and leases to total assets | 44.4598% | 7,085 |
| Net loans and leases to deposits | 53.2953% | 7,095 |
| Net loans and leases to core deposits | 65.5628% | 7,002 |
| Total domestic deposits to total assets | 83.4217% | 4,321 |
| Equity capital to assets | 11.1228% | 2,605 |
| Core capital (leverage) ratio | 8.8615% | 4,660 |
| Tier 1 risk-based capital ratio | 16.2916% | 2,399 |
| Total risk-based capital ratio | 17.2911% | 2,434 |
| Memoranda: | ||
| Average total assets | $250,307,600 | 2,604 |
| Average earning assets | $218,320,200 | 2,727 |
| Average equity | $27,408,600 | 2,419 |
| Average total loans | $109,972,600 | 3,693 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1353% | 6,157 |
| Cost of funding earning assets | 1.4492% | 6,038 |
| Net interest margin | 3.6861% | 4,131 |
| Noninterest income to average assets | 0.5257% | 4,274 |
| Noninterest expense to average assets | 3.0752% | 3,746 |
| Loan and lease loss provision to assets | 0.0320% | 7,036 |
| Net operating income to assets | 0.5057% | 3,960 |
| Return on assets (ROA) | 0.6949% | 3,282 |
| Pretax return on assets | 0.8721% | 3,309 |
| Return on Equity (ROE) | 6.3714% | 3,364 |
| Retained earnings to average equity (ytd only) | 4.7369% | 2,639 |
| Net charge-offs to loans | -0.0318% | 7,808 |
| Credit loss provision to net charge-offs | -230.7692% | 7,232 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3563% | 3,267 |
| Assets per employee ($millions) | 3.6008% | 4,684 |
| Cash dividends to net income (ytd only)* | 25.6527% | 3,043 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0375% | 6,074 |
| Loan loss allowance to noncurrent loans | 249.5708% | 1,194 |
| Noncurrent assets plus other real estate owned to assets | 0.1849% | 7,069 |
| Noncurrent loans to loans | 0.4157% | 6,505 |
| Net loans and leases to total assets | 44.0098% | 7,248 |
| Net loans and leases to deposits | 52.8911% | 7,267 |
| Net loans and leases to core deposits | 68.7578% | 7,029 |
| Total domestic deposits to total assets | 83.2084% | 4,110 |
| Equity capital to assets | 11.2083% | 2,825 |
| Core capital (leverage) ratio | 8.7248% | 5,088 |
| Tier 1 risk-based capital ratio | 16.2520% | 2,535 |
| Total risk-based capital ratio | 17.1415% | 2,598 |
| Memoranda: | ||
| Average total assets | $249,820,250 | 2,627 |
| Average earning assets | $218,040,750 | 2,747 |
| Average equity | $27,246,250 | 2,455 |
| Average total loans | $109,098,750 | 3,751 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1602% | 6,224 |
| Cost of funding earning assets | 1.4994% | 6,142 |
| Net interest margin | 3.6607% | 4,118 |
| Noninterest income to average assets | 0.5308% | 4,177 |
| Noninterest expense to average assets | 3.0593% | 3,849 |
| Loan and lease loss provision to assets | 0.0241% | 6,994 |
| Net operating income to assets | 0.5560% | 3,855 |
| Return on assets (ROA) | 0.5532% | 3,985 |
| Pretax return on assets | 0.6376% | 4,210 |
| Return on Equity (ROE) | 5.1205% | 4,026 |
| Retained earnings to average equity (ytd only) | 2.6383% | 3,861 |
| Net charge-offs to loans | -0.0370% | 7,806 |
| Credit loss provision to net charge-offs | -150.0000% | 6,967 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3178% | 3,451 |
| Assets per employee ($millions) | 3.5799% | 4,624 |
| Cash dividends to net income (ytd only)* | 48.4761% | 2,105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0281% | 6,032 |
| Loan loss allowance to noncurrent loans | 222.7273% | 1,366 |
| Noncurrent assets plus other real estate owned to assets | 0.2019% | 7,008 |
| Noncurrent loans to loans | 0.4616% | 6,373 |
| Net loans and leases to total assets | 43.2965% | 7,373 |
| Net loans and leases to deposits | 52.4835% | 7,357 |
| Net loans and leases to core deposits | 67.6751% | 7,135 |
| Total domestic deposits to total assets | 82.4955% | 4,482 |
| Equity capital to assets | 10.8966% | 3,023 |
| Core capital (leverage) ratio | 8.4168% | 5,589 |
| Tier 1 risk-based capital ratio | 15.9229% | 2,652 |
| Total risk-based capital ratio | 16.7955% | 2,727 |
| Memoranda: | ||
| Average total assets | $249,075,330 | 2,645 |
| Average earning assets | $217,280,330 | 2,781 |
| Average equity | $26,911,330 | 2,489 |
| Average total loans | $108,101,000 | 3,809 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1455% | 6,504 |
| Cost of funding earning assets | 1.5359% | 6,287 |
| Net interest margin | 3.6096% | 4,280 |
| Noninterest income to average assets | 0.5638% | 3,806 |
| Noninterest expense to average assets | 2.9607% | 3,938 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.6133% | 3,960 |
| Return on assets (ROA) | 0.6186% | 4,133 |
| Pretax return on assets | 0.7555% | 4,231 |
| Return on Equity (ROE) | 5.7498% | 4,144 |
| Retained earnings to average equity (ytd only) | 5.7498% | 2,754 |
| Net charge-offs to loans | -0.0634% | 7,768 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9023% | 3,681 |
| Assets per employee ($millions) | 3.5880% | 4,595 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0221% | 6,018 |
| Loan loss allowance to noncurrent loans | 911.6667% | 435 |
| Noncurrent assets plus other real estate owned to assets | 0.0478% | 7,457 |
| Noncurrent loans to loans | 0.1121% | 7,211 |
| Net loans and leases to total assets | 42.1822% | 7,456 |
| Net loans and leases to deposits | 51.4239% | 7,436 |
| Net loans and leases to core deposits | 64.5307% | 7,297 |
| Total domestic deposits to total assets | 82.0284% | 4,536 |
| Equity capital to assets | 10.7733% | 3,212 |
| Core capital (leverage) ratio | 8.3844% | 5,742 |
| Tier 1 risk-based capital ratio | 16.0452% | 2,676 |
| Total risk-based capital ratio | 16.9012% | 2,736 |
| Memoranda: | ||
| Average total assets | $248,316,500 | 2,665 |
| Average earning assets | $216,422,000 | 2,802 |
| Average equity | $26,714,000 | 2,512 |
| Average total loans | $107,339,000 | 3,854 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7026% | 6,770 |
| Cost of funding earning assets | 1.7548% | 7,125 |
| Net interest margin | 3.9477% | 3,374 |
| Noninterest income to average assets | 0.5968% | 3,862 |
| Noninterest expense to average assets | 3.0873% | 3,750 |
| Loan and lease loss provision to assets | 0.0591% | 6,669 |
| Net operating income to assets | 0.7383% | 3,725 |
| Return on assets (ROA) | 0.6667% | 3,884 |
| Pretax return on assets | 0.7705% | 4,180 |
| Return on Equity (ROE) | 5.7436% | 4,049 |
| Retained earnings to average equity (ytd only) | 2.1699% | 3,875 |
| Net charge-offs to loans | 0.1188% | 5,075 |
| Credit loss provision to net charge-offs | 113.4921% | 4,756 |
| Earnings coverage of net charge-offs (x) | 17.5000% | 1,764 |
| Efficiency ratio | 72.2441% | 3,887 |
| Assets per employee ($millions) | 3.4574% | 4,781 |
| Cash dividends to net income (ytd only)* | 62.2208% | 2,571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0006% | 6,049 |
| Loan loss allowance to noncurrent loans | 217.5758% | 1,796 |
| Noncurrent assets plus other real estate owned to assets | 0.2016% | 6,766 |
| Noncurrent loans to loans | 0.4599% | 5,967 |
| Net loans and leases to total assets | 43.4109% | 7,505 |
| Net loans and leases to deposits | 53.2815% | 7,473 |
| Net loans and leases to core deposits | 64.9663% | 7,401 |
| Total domestic deposits to total assets | 81.4747% | 4,420 |
| Equity capital to assets | 10.7424% | 3,260 |
| Core capital (leverage) ratio | 7.9829% | 6,524 |
| Tier 1 risk-based capital ratio | 14.4791% | 3,304 |
| Total risk-based capital ratio | 15.3205% | 3,435 |
| Memoranda: | ||
| Average total assets | $241,795,000 | 2,640 |
| Average earning assets | $208,397,800 | 2,795 |
| Average equity | $28,066,200 | 2,406 |
| Average total loans | $106,065,400 | 3,792 |