Home > Two Rivers Bank > Performance and Condition Ratios
Two Rivers Bank, Performance and Condition Ratios
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7226% | 2,212 |
| Cost of funding earning assets | 0.3085% | 2,514 |
| Net interest margin | 3.4141% | 2,115 |
| Noninterest income to average assets | 0.6328% | 2,087 |
| Noninterest expense to average assets | 2.6268% | 1,764 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.0734% | 2,643 |
| Return on assets (ROA) | 1.1046% | 2,595 |
| Pretax return on assets | 1.1423% | 3,096 |
| Return on Equity (ROE) | 7.9369% | 3,424 |
| Retained earnings to average equity (ytd only) | 2.3196% | 4,107 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2929% | 1,570 |
| Assets per employee ($millions) | 7.6916% | 1,454 |
| Cash dividends to net income (ytd only)* | 70.7744% | 568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6682% | 1,179 |
| Loan loss allowance to noncurrent loans | 923.7410% | 838 |
| Noncurrent assets plus other real estate owned to assets | 0.0951% | 3,468 |
| Noncurrent loans to loans | 0.1806% | 3,226 |
| Net loans and leases to total assets | 51.7880% | 3,210 |
| Net loans and leases to deposits | 61.8219% | 3,059 |
| Net loans and leases to core deposits | 63.9096% | 3,148 |
| Total domestic deposits to total assets | 83.7697% | 3,514 |
| Equity capital to assets | 13.8511% | 768 |
| Core capital (leverage) ratio | 12.8623% | 878 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.3339% | 769 |
| Memoranda: | ||
| Average total assets | $144,966,000 | 3,569 |
| Average earning assets | $131,803,250 | 3,596 |
| Average equity | $20,175,250 | 3,232 |
| Average total loans | $76,902,000 | 3,583 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9547% | 1,668 |
| Cost of funding earning assets | 0.3249% | 2,545 |
| Net interest margin | 3.6298% | 1,521 |
| Noninterest income to average assets | 0.6474% | 2,013 |
| Noninterest expense to average assets | 2.6450% | 1,744 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.2589% | 1,996 |
| Return on assets (ROA) | 1.3059% | 1,922 |
| Pretax return on assets | 1.3433% | 2,505 |
| Return on Equity (ROE) | 9.3683% | 2,987 |
| Retained earnings to average equity (ytd only) | 1.9253% | 4,130 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1348% | 1,993 |
| Assets per employee ($millions) | 7.4315% | 1,519 |
| Cash dividends to net income (ytd only)* | 79.4492% | 495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7198% | 1,023 |
| Loan loss allowance to noncurrent loans | 923.7410% | 781 |
| Noncurrent assets plus other real estate owned to assets | 0.0935% | 3,585 |
| Noncurrent loans to loans | 0.1862% | 3,301 |
| Net loans and leases to total assets | 49.3669% | 3,621 |
| Net loans and leases to deposits | 58.6401% | 3,484 |
| Net loans and leases to core deposits | 60.8317% | 3,558 |
| Total domestic deposits to total assets | 84.1862% | 3,370 |
| Equity capital to assets | 13.5518% | 812 |
| Core capital (leverage) ratio | 12.7432% | 856 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.7580% | 727 |
| Memoranda: | ||
| Average total assets | $144,574,667 | 3,578 |
| Average earning assets | $131,135,333 | 3,614 |
| Average equity | $20,153,000 | 3,227 |
| Average total loans | $76,880,333 | 3,606 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4187% | 889 |
| Cost of funding earning assets | 0.3488% | 2,527 |
| Net interest margin | 4.0699% | 761 |
| Noninterest income to average assets | 0.7268% | 1,781 |
| Noninterest expense to average assets | 2.6686% | 1,691 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.6865% | 966 |
| Return on assets (ROA) | 1.6865% | 1,015 |
| Pretax return on assets | 1.7257% | 1,439 |
| Return on Equity (ROE) | 11.9255% | 2,046 |
| Retained earnings to average equity (ytd only) | 11.9255% | 1,166 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7280% | 2,946 |
| Assets per employee ($millions) | 7.3163% | 1,580 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6839% | 1,086 |
| Loan loss allowance to noncurrent loans | 262.5767% | 1,931 |
| Noncurrent assets plus other real estate owned to assets | 0.3342% | 2,462 |
| Noncurrent loans to loans | 0.6413% | 1,966 |
| Net loans and leases to total assets | 51.2322% | 3,518 |
| Net loans and leases to deposits | 61.0080% | 3,410 |
| Net loans and leases to core deposits | 64.1629% | 3,396 |
| Total domestic deposits to total assets | 83.9762% | 3,442 |
| Equity capital to assets | 13.7857% | 719 |
| Core capital (leverage) ratio | 13.6137% | 720 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.1917% | 661 |
| Memoranda: | ||
| Average total assets | $142,547,000 | 3,611 |
| Average earning assets | $128,454,500 | 3,645 |
| Average equity | $20,158,500 | 3,229 |
| Average total loans | $77,991,500 | 3,608 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0916% | 2,447 |
| Cost of funding earning assets | 0.6924% | 1,756 |
| Net interest margin | 3.3992% | 2,779 |
| Noninterest income to average assets | 0.6725% | 1,943 |
| Noninterest expense to average assets | 2.7538% | 2,059 |
| Loan and lease loss provision to assets | 0.1042% | 3,035 |
| Net operating income to assets | 0.8729% | 2,820 |
| Return on assets (ROA) | 1.2657% | 1,452 |
| Pretax return on assets | 1.3026% | 1,969 |
| Return on Equity (ROE) | 9.2073% | 2,306 |
| Retained earnings to average equity (ytd only) | 0.2375% | 4,449 |
| Net charge-offs to loans | 0.0127% | 2,881 |
| Credit loss provision to net charge-offs | 1,363.6364% | 613 |
| Earnings coverage of net charge-offs (x) | 131.0909% | 643 |
| Efficiency ratio | 73.3259% | 1,527 |
| Assets per employee ($millions) | 6.6080% | 1,841 |
| Cash dividends to net income (ytd only)* | 97.4204% | 284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6104% | 1,267 |
| Loan loss allowance to noncurrent loans | 917.1429% | 716 |
| Noncurrent assets plus other real estate owned to assets | 0.1009% | 3,806 |
| Noncurrent loans to loans | 0.1756% | 3,583 |
| Net loans and leases to total assets | 56.5325% | 3,247 |
| Net loans and leases to deposits | 67.9430% | 3,083 |
| Net loans and leases to core deposits | 71.5227% | 3,126 |
| Total domestic deposits to total assets | 83.2058% | 3,353 |
| Equity capital to assets | 14.5170% | 676 |
| Core capital (leverage) ratio | 13.0445% | 886 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.4623% | 720 |
| Memoranda: | ||
| Average total assets | $143,946,400 | 3,470 |
| Average earning assets | $130,560,000 | 3,497 |
| Average equity | $19,788,600 | 3,208 |
| Average total loans | $86,379,400 | 3,462 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2805% | 2,160 |
| Cost of funding earning assets | 0.7390% | 1,809 |
| Net interest margin | 3.5415% | 2,450 |
| Noninterest income to average assets | 0.6206% | 2,099 |
| Noninterest expense to average assets | 2.4804% | 2,906 |
| Loan and lease loss provision to assets | 0.1377% | 2,634 |
| Net operating income to assets | 1.2027% | 1,627 |
| Return on assets (ROA) | 1.7497% | 574 |
| Pretax return on assets | 1.7855% | 803 |
| Return on Equity (ROE) | 12.8188% | 1,166 |
| Retained earnings to average equity (ytd only) | 5.5889% | 2,292 |
| Net charge-offs to loans | 0.0242% | 2,355 |
| Credit loss provision to net charge-offs | 937.5000% | 874 |
| Earnings coverage of net charge-offs (x) | 92.9375% | 829 |
| Efficiency ratio | 64.5023% | 2,659 |
| Assets per employee ($millions) | 6.8912% | 1,574 |
| Cash dividends to net income (ytd only)* | 56.4008% | 1,245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4921% | 1,406 |
| Loan loss allowance to noncurrent loans | 907.0922% | 641 |
| Noncurrent assets plus other real estate owned to assets | 0.0974% | 3,944 |
| Noncurrent loans to loans | 0.1645% | 3,725 |
| Net loans and leases to total assets | 58.3485% | 3,386 |
| Net loans and leases to deposits | 74.8845% | 2,866 |
| Net loans and leases to core deposits | 80.9974% | 2,751 |
| Total domestic deposits to total assets | 77.9180% | 4,211 |
| Equity capital to assets | 14.5175% | 728 |
| Core capital (leverage) ratio | 13.4746% | 842 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.5266% | 719 |
| Memoranda: | ||
| Average total assets | $145,241,000 | 3,443 |
| Average earning assets | $132,256,250 | 3,469 |
| Average equity | $19,824,500 | 3,203 |
| Average total loans | $88,041,000 | 3,450 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1923% | 2,790 |
| Cost of funding earning assets | 0.7578% | 2,066 |
| Net interest margin | 3.4345% | 2,994 |
| Noninterest income to average assets | 0.5900% | 2,169 |
| Noninterest expense to average assets | 2.5183% | 2,913 |
| Loan and lease loss provision to assets | 0.1375% | 2,646 |
| Net operating income to assets | 1.0448% | 2,169 |
| Return on assets (ROA) | 1.8980% | 449 |
| Pretax return on assets | 1.9338% | 633 |
| Return on Equity (ROE) | 14.2051% | 851 |
| Retained earnings to average equity (ytd only) | 3.1395% | 3,329 |
| Net charge-offs to loans | -0.0023% | 3,843 |
| Credit loss provision to net charge-offs | -10,000.0000% | 4,214 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7145% | 2,278 |
| Assets per employee ($millions) | 7.6337% | 1,112 |
| Cash dividends to net income (ytd only)* | 77.8986% | 792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3902% | 1,624 |
| Loan loss allowance to noncurrent loans | 215.5709% | 2,031 |
| Noncurrent assets plus other real estate owned to assets | 0.3786% | 2,781 |
| Noncurrent loans to loans | 0.6449% | 2,254 |
| Net loans and leases to total assets | 57.8910% | 3,524 |
| Net loans and leases to deposits | 73.4855% | 3,123 |
| Net loans and leases to core deposits | 82.0216% | 2,777 |
| Total domestic deposits to total assets | 78.7788% | 4,067 |
| Equity capital to assets | 13.1182% | 1,114 |
| Core capital (leverage) ratio | 13.0393% | 989 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1969% | 881 |
| Memoranda: | ||
| Average total assets | $145,416,333 | 3,426 |
| Average earning assets | $132,481,000 | 3,439 |
| Average equity | $19,429,667 | 3,229 |
| Average total loans | $88,815,333 | 3,440 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4741% | 2,379 |
| Cost of funding earning assets | 0.8762% | 1,986 |
| Net interest margin | 3.5979% | 2,670 |
| Noninterest income to average assets | 0.5614% | 2,223 |
| Noninterest expense to average assets | 2.5757% | 3,061 |
| Loan and lease loss provision to assets | 0.1411% | 1,977 |
| Net operating income to assets | 1.0887% | 1,882 |
| Return on assets (ROA) | 1.7660% | 487 |
| Pretax return on assets | 1.8027% | 696 |
| Return on Equity (ROE) | 13.0890% | 867 |
| Retained earnings to average equity (ytd only) | 2.6345% | 3,213 |
| Net charge-offs to loans | -0.0045% | 3,832 |
| Credit loss provision to net charge-offs | -5,000.0000% | 3,867 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2808% | 2,776 |
| Assets per employee ($millions) | 6.4503% | 1,371 |
| Cash dividends to net income (ytd only)* | 79.8722% | 1,037 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3655% | 1,831 |
| Loan loss allowance to noncurrent loans | 436.4964% | 1,081 |
| Noncurrent assets plus other real estate owned to assets | 0.1931% | 3,721 |
| Noncurrent loans to loans | 0.3128% | 3,376 |
| Net loans and leases to total assets | 60.8790% | 3,413 |
| Net loans and leases to deposits | 78.2357% | 2,857 |
| Net loans and leases to core deposits | 88.8998% | 2,457 |
| Total domestic deposits to total assets | 77.8149% | 4,247 |
| Equity capital to assets | 13.5160% | 1,213 |
| Core capital (leverage) ratio | 13.3343% | 1,096 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8278% | 885 |
| Memoranda: | ||
| Average total assets | $141,788,000 | 3,438 |
| Average earning assets | $128,742,000 | 3,460 |
| Average equity | $19,130,500 | 3,263 |
| Average total loans | $88,408,000 | 3,432 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6030% | 2,605 |
| Cost of funding earning assets | 0.8919% | 2,227 |
| Net interest margin | 3.7112% | 2,785 |
| Noninterest income to average assets | 0.5050% | 2,705 |
| Noninterest expense to average assets | 2.7489% | 2,755 |
| Loan and lease loss provision to assets | 0.0492% | 3,036 |
| Net operating income to assets | 1.0370% | 2,707 |
| Return on assets (ROA) | 1.2492% | 1,961 |
| Pretax return on assets | 1.2858% | 2,554 |
| Return on Equity (ROE) | 9.5183% | 2,511 |
| Retained earnings to average equity (ytd only) | 3.0870% | 3,480 |
| Net charge-offs to loans | 0.0270% | 2,857 |
| Credit loss provision to net charge-offs | 291.6667% | 965 |
| Earnings coverage of net charge-offs (x) | 66.1250% | 920 |
| Efficiency ratio | 71.1192% | 2,005 |
| Assets per employee ($millions) | 6.4395% | 1,321 |
| Cash dividends to net income (ytd only)* | 67.5676% | 1,232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2832% | 2,015 |
| Loan loss allowance to noncurrent loans | 427.2388% | 1,119 |
| Noncurrent assets plus other real estate owned to assets | 0.1892% | 3,703 |
| Noncurrent loans to loans | 0.3004% | 3,357 |
| Net loans and leases to total assets | 62.1755% | 3,379 |
| Net loans and leases to deposits | 79.7906% | 2,805 |
| Net loans and leases to core deposits | 95.1334% | 1,977 |
| Total domestic deposits to total assets | 77.9233% | 4,373 |
| Equity capital to assets | 13.4686% | 1,288 |
| Core capital (leverage) ratio | 13.2653% | 1,130 |
| Tier 1 risk-based capital ratio | 19.0855% | 1,492 |
| Total risk-based capital ratio | 20.2395% | 1,486 |
| Memoranda: | ||
| Average total assets | $142,166,000 | 3,407 |
| Average earning assets | $128,720,200 | 3,448 |
| Average equity | $18,658,800 | 3,261 |
| Average total loans | $88,990,200 | 3,419 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6098% | 2,693 |
| Cost of funding earning assets | 0.9025% | 2,225 |
| Net interest margin | 3.7073% | 2,888 |
| Noninterest income to average assets | 0.4807% | 2,848 |
| Noninterest expense to average assets | 2.5740% | 3,235 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.2316% | 2,092 |
| Return on assets (ROA) | 1.4552% | 1,371 |
| Pretax return on assets | 1.4936% | 1,974 |
| Return on Equity (ROE) | 11.1604% | 1,948 |
| Retained earnings to average equity (ytd only) | 6.1299% | 2,313 |
| Net charge-offs to loans | 0.0420% | 2,254 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 48.1460% | 1,225 |
| Efficiency ratio | 67.0818% | 2,574 |
| Assets per employee ($millions) | 6.4980% | 1,274 |
| Cash dividends to net income (ytd only)* | 45.0742% | 1,919 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2013% | 2,496 |
| Loan loss allowance to noncurrent loans | 399.6269% | 1,183 |
| Noncurrent assets plus other real estate owned to assets | 0.1875% | 3,821 |
| Noncurrent loans to loans | 0.3006% | 3,464 |
| Net loans and leases to total assets | 61.6141% | 3,534 |
| Net loans and leases to deposits | 79.7525% | 2,928 |
| Net loans and leases to core deposits | 95.2258% | 2,063 |
| Total domestic deposits to total assets | 77.2566% | 4,483 |
| Equity capital to assets | 13.8833% | 1,199 |
| Core capital (leverage) ratio | 13.6472% | 1,094 |
| Tier 1 risk-based capital ratio | 19.4378% | 1,476 |
| Total risk-based capital ratio | 20.5212% | 1,480 |
| Memoranda: | ||
| Average total assets | $142,290,000 | 3,440 |
| Average earning assets | $128,822,750 | 3,478 |
| Average equity | $18,553,250 | 3,295 |
| Average total loans | $88,930,500 | 3,463 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5886% | 2,710 |
| Cost of funding earning assets | 0.9001% | 2,141 |
| Net interest margin | 3.6885% | 2,967 |
| Noninterest income to average assets | 0.4660% | 2,869 |
| Noninterest expense to average assets | 2.6072% | 3,183 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.1762% | 2,238 |
| Return on assets (ROA) | 1.3360% | 1,696 |
| Pretax return on assets | 1.3754% | 2,285 |
| Return on Equity (ROE) | 10.4735% | 2,191 |
| Retained earnings to average equity (ytd only) | 2.7480% | 3,830 |
| Net charge-offs to loans | 0.1396% | 1,091 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 13.8710% | 2,069 |
| Efficiency ratio | 68.2891% | 2,489 |
| Assets per employee ($millions) | 6.5450% | 1,213 |
| Cash dividends to net income (ytd only)* | 73.7619% | 985 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1459% | 2,807 |
| Loan loss allowance to noncurrent loans | 361.3240% | 1,331 |
| Noncurrent assets plus other real estate owned to assets | 0.1993% | 3,778 |
| Noncurrent loans to loans | 0.3171% | 3,398 |
| Net loans and leases to total assets | 62.1277% | 3,533 |
| Net loans and leases to deposits | 79.5916% | 3,000 |
| Net loans and leases to core deposits | 95.6575% | 2,105 |
| Total domestic deposits to total assets | 78.0580% | 4,384 |
| Equity capital to assets | 13.2038% | 1,486 |
| Core capital (leverage) ratio | 13.0314% | 1,285 |
| Tier 1 risk-based capital ratio | 17.9793% | 1,812 |
| Total risk-based capital ratio | 18.9811% | 1,829 |
| Memoranda: | ||
| Average total assets | $142,068,000 | 3,464 |
| Average earning assets | $129,103,000 | 3,490 |
| Average equity | $18,122,000 | 3,338 |
| Average total loans | $88,856,670 | 3,483 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5455% | 2,713 |
| Cost of funding earning assets | 0.8878% | 2,060 |
| Net interest margin | 3.6576% | 3,052 |
| Noninterest income to average assets | 0.4932% | 2,599 |
| Noninterest expense to average assets | 2.6221% | 3,152 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.1481% | 2,281 |
| Return on assets (ROA) | 1.1481% | 2,329 |
| Pretax return on assets | 1.1877% | 2,853 |
| Return on Equity (ROE) | 9.1645% | 2,724 |
| Retained earnings to average equity (ytd only) | 1.2446% | 4,265 |
| Net charge-offs to loans | 0.1636% | 829 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 11.6389% | 1,900 |
| Efficiency ratio | 68.8244% | 2,524 |
| Assets per employee ($millions) | 6.1681% | 1,426 |
| Cash dividends to net income (ytd only)* | 86.4198% | 806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2115% | 2,515 |
| Loan loss allowance to noncurrent loans | 224.7357% | 1,996 |
| Noncurrent assets plus other real estate owned to assets | 0.3334% | 3,268 |
| Noncurrent loans to loans | 0.5391% | 2,692 |
| Net loans and leases to total assets | 61.1009% | 3,589 |
| Net loans and leases to deposits | 79.0562% | 2,944 |
| Net loans and leases to core deposits | 95.4469% | 1,977 |
| Total domestic deposits to total assets | 77.2879% | 4,624 |
| Equity capital to assets | 12.8254% | 1,551 |
| Core capital (leverage) ratio | 12.9827% | 1,283 |
| Tier 1 risk-based capital ratio | 17.4514% | 1,953 |
| Total risk-based capital ratio | 18.4587% | 1,987 |
| Memoranda: | ||
| Average total assets | $141,107,500 | 3,519 |
| Average earning assets | $127,951,500 | 3,546 |
| Average equity | $17,677,000 | 3,386 |
| Average total loans | $88,038,000 | 3,537 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3780% | 2,834 |
| Cost of funding earning assets | 0.7833% | 1,619 |
| Net interest margin | 3.5948% | 3,401 |
| Noninterest income to average assets | 0.5120% | 2,766 |
| Noninterest expense to average assets | 2.6571% | 3,163 |
| Loan and lease loss provision to assets | 0.0745% | 2,642 |
| Net operating income to assets | 1.0017% | 3,001 |
| Return on assets (ROA) | 0.9956% | 3,018 |
| Pretax return on assets | 1.0318% | 3,506 |
| Return on Equity (ROE) | 8.2847% | 3,327 |
| Retained earnings to average equity (ytd only) | 5.4582% | 2,501 |
| Net charge-offs to loans | 0.0012% | 3,735 |
| Credit loss provision to net charge-offs | 10,500.0000% | 44 |
| Earnings coverage of net charge-offs (x) | 1,569.0000% | 69 |
| Efficiency ratio | 70.4853% | 2,107 |
| Assets per employee ($millions) | 5.8478% | 1,628 |
| Cash dividends to net income (ytd only)* | 34.1168% | 2,837 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2442% | 2,328 |
| Loan loss allowance to noncurrent loans | 457.9167% | 1,181 |
| Noncurrent assets plus other real estate owned to assets | 0.1710% | 3,959 |
| Noncurrent loans to loans | 0.2717% | 3,602 |
| Net loans and leases to total assets | 62.1541% | 3,549 |
| Net loans and leases to deposits | 80.3945% | 2,910 |
| Net loans and leases to core deposits | 97.8442% | 1,877 |
| Total domestic deposits to total assets | 77.3114% | 4,585 |
| Equity capital to assets | 12.2260% | 1,745 |
| Core capital (leverage) ratio | 12.9395% | 1,274 |
| Tier 1 risk-based capital ratio | 17.3464% | 1,937 |
| Total risk-based capital ratio | 18.3846% | 1,964 |
| Memoranda: | ||
| Average total assets | $141,018,800 | 3,491 |
| Average earning assets | $127,797,400 | 3,528 |
| Average equity | $16,947,000 | 3,399 |
| Average total loans | $86,384,800 | 3,547 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3278% | 2,856 |
| Cost of funding earning assets | 0.7606% | 1,532 |
| Net interest margin | 3.5673% | 3,469 |
| Noninterest income to average assets | 0.5052% | 2,840 |
| Noninterest expense to average assets | 2.6499% | 3,123 |
| Loan and lease loss provision to assets | 0.0519% | 2,944 |
| Net operating income to assets | 0.9978% | 3,091 |
| Return on assets (ROA) | 0.9897% | 3,137 |
| Pretax return on assets | 1.0284% | 3,637 |
| Return on Equity (ROE) | 8.2710% | 3,429 |
| Retained earnings to average equity (ytd only) | 1.5311% | 4,714 |
| Net charge-offs to loans | 0.0186% | 2,774 |
| Credit loss provision to net charge-offs | 458.3333% | 750 |
| Earnings coverage of net charge-offs (x) | 96.0806% | 778 |
| Efficiency ratio | 70.8765% | 2,060 |
| Assets per employee ($millions) | 5.9273% | 1,546 |
| Cash dividends to net income (ytd only)* | 81.4886% | 545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1725% | 2,777 |
| Loan loss allowance to noncurrent loans | 432.5000% | 1,238 |
| Noncurrent assets plus other real estate owned to assets | 0.1687% | 4,110 |
| Noncurrent loans to loans | 0.2711% | 3,717 |
| Net loans and leases to total assets | 61.5043% | 3,698 |
| Net loans and leases to deposits | 78.7955% | 3,165 |
| Net loans and leases to core deposits | 94.4951% | 2,245 |
| Total domestic deposits to total assets | 78.0556% | 4,475 |
| Equity capital to assets | 11.4344% | 2,312 |
| Core capital (leverage) ratio | 12.8583% | 1,344 |
| Tier 1 risk-based capital ratio | 17.1429% | 2,046 |
| Total risk-based capital ratio | 18.1222% | 2,097 |
| Memoranda: | ||
| Average total assets | $141,186,500 | 3,526 |
| Average earning assets | $127,974,250 | 3,561 |
| Average equity | $16,894,000 | 3,430 |
| Average total loans | $85,898,250 | 3,580 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2660% | 2,889 |
| Cost of funding earning assets | 0.7201% | 1,522 |
| Net interest margin | 3.5458% | 3,476 |
| Noninterest income to average assets | 0.5226% | 2,733 |
| Noninterest expense to average assets | 2.6486% | 3,168 |
| Loan and lease loss provision to assets | 0.0781% | 2,345 |
| Net operating income to assets | 0.9737% | 3,130 |
| Return on assets (ROA) | 0.9614% | 3,192 |
| Pretax return on assets | 0.9998% | 3,662 |
| Return on Equity (ROE) | 7.9166% | 3,533 |
| Retained earnings to average equity (ytd only) | 4.2448% | 3,483 |
| Net charge-offs to loans | 0.0282% | 2,288 |
| Credit loss provision to net charge-offs | 458.3333% | 749 |
| Earnings coverage of net charge-offs (x) | 64.0000% | 955 |
| Efficiency ratio | 70.8318% | 2,186 |
| Assets per employee ($millions) | 6.2004% | 1,330 |
| Cash dividends to net income (ytd only)* | 46.3811% | 1,834 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1988% | 2,729 |
| Loan loss allowance to noncurrent loans | 1,092.6316% | 556 |
| Noncurrent assets plus other real estate owned to assets | 0.0666% | 4,682 |
| Noncurrent loans to loans | 0.1097% | 4,418 |
| Net loans and leases to total assets | 59.9881% | 3,813 |
| Net loans and leases to deposits | 77.2040% | 3,237 |
| Net loans and leases to core deposits | 93.2048% | 2,295 |
| Total domestic deposits to total assets | 77.7007% | 4,638 |
| Equity capital to assets | 11.8856% | 1,935 |
| Core capital (leverage) ratio | 12.9188% | 1,259 |
| Tier 1 risk-based capital ratio | 17.5119% | 1,940 |
| Total risk-based capital ratio | 18.5030% | 1,970 |
| Memoranda: | ||
| Average total assets | $140,830,330 | 3,559 |
| Average earning assets | $127,755,330 | 3,593 |
| Average equity | $17,103,330 | 3,434 |
| Average total loans | $85,020,670 | 3,626 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2371% | 2,756 |
| Cost of funding earning assets | 0.7009% | 1,438 |
| Net interest margin | 3.5362% | 3,398 |
| Noninterest income to average assets | 0.5174% | 2,706 |
| Noninterest expense to average assets | 2.5925% | 3,353 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.0851% | 2,495 |
| Return on assets (ROA) | 1.0605% | 2,615 |
| Pretax return on assets | 1.1005% | 3,173 |
| Return on Equity (ROE) | 8.6380% | 3,093 |
| Retained earnings to average equity (ytd only) | 8.6380% | 1,605 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7156% | 2,528 |
| Assets per employee ($millions) | 6.0571% | 1,466 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1985% | 2,814 |
| Loan loss allowance to noncurrent loans | 500.5025% | 1,098 |
| Noncurrent assets plus other real estate owned to assets | 0.1428% | 4,373 |
| Noncurrent loans to loans | 0.2395% | 3,915 |
| Net loans and leases to total assets | 58.9378% | 3,855 |
| Net loans and leases to deposits | 74.5305% | 3,363 |
| Net loans and leases to core deposits | 88.3842% | 2,597 |
| Total domestic deposits to total assets | 79.0788% | 4,567 |
| Equity capital to assets | 12.1360% | 1,696 |
| Core capital (leverage) ratio | 13.0242% | 1,174 |
| Tier 1 risk-based capital ratio | 18.1590% | 1,784 |
| Total risk-based capital ratio | 19.1447% | 1,816 |
| Memoranda: | ||
| Average total assets | $139,940,500 | 3,606 |
| Average earning assets | $126,690,000 | 3,634 |
| Average equity | $17,180,000 | 3,450 |
| Average total loans | $84,237,500 | 3,668 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1370% | 2,924 |
| Cost of funding earning assets | 0.6590% | 1,250 |
| Net interest margin | 3.4781% | 3,600 |
| Noninterest income to average assets | 0.4979% | 3,017 |
| Noninterest expense to average assets | 2.6347% | 3,334 |
| Loan and lease loss provision to assets | 0.0665% | 2,880 |
| Net operating income to assets | 0.9166% | 2,619 |
| Return on assets (ROA) | 1.0015% | 2,274 |
| Pretax return on assets | 1.0372% | 3,425 |
| Return on Equity (ROE) | 8.6786% | 2,459 |
| Retained earnings to average equity (ytd only) | 6.8579% | 1,136 |
| Net charge-offs to loans | -0.0333% | 5,081 |
| Credit loss provision to net charge-offs | -339.2857% | 4,883 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1657% | 2,195 |
| Assets per employee ($millions) | 6.1117% | 1,445 |
| Cash dividends to net income (ytd only)* | 20.9790% | 3,642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1655% | 2,978 |
| Loan loss allowance to noncurrent loans | 896.3964% | 682 |
| Noncurrent assets plus other real estate owned to assets | 0.0790% | 4,722 |
| Noncurrent loans to loans | 0.1300% | 4,409 |
| Net loans and leases to total assets | 60.0250% | 3,830 |
| Net loans and leases to deposits | 79.2166% | 3,001 |
| Net loans and leases to core deposits | 94.2138% | 2,175 |
| Total domestic deposits to total assets | 75.7733% | 5,000 |
| Equity capital to assets | 12.4161% | 1,563 |
| Core capital (leverage) ratio | 12.6413% | 1,291 |
| Tier 1 risk-based capital ratio | 17.5131% | 1,940 |
| Total risk-based capital ratio | 18.4824% | 1,967 |
| Memoranda: | ||
| Average total assets | $142,788,600 | 3,570 |
| Average earning assets | $129,440,200 | 3,593 |
| Average equity | $16,477,400 | 3,539 |
| Average total loans | $84,056,200 | 3,657 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1199% | 2,915 |
| Cost of funding earning assets | 0.6521% | 1,224 |
| Net interest margin | 3.4678% | 3,611 |
| Noninterest income to average assets | 0.4874% | 3,102 |
| Noninterest expense to average assets | 2.6556% | 3,230 |
| Loan and lease loss provision to assets | 0.0298% | 3,525 |
| Net operating income to assets | 0.9139% | 2,949 |
| Return on assets (ROA) | 1.0520% | 2,360 |
| Pretax return on assets | 1.0901% | 3,339 |
| Return on Equity (ROE) | 9.2892% | 2,452 |
| Retained earnings to average equity (ytd only) | 8.2625% | 1,105 |
| Net charge-offs to loans | -0.0127% | 4,715 |
| Credit loss provision to net charge-offs | -400.0000% | 4,753 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0927% | 2,030 |
| Assets per employee ($millions) | 6.1363% | 1,408 |
| Cash dividends to net income (ytd only)* | 11.0520% | 3,438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0946% | 3,513 |
| Loan loss allowance to noncurrent loans | 868.5714% | 664 |
| Noncurrent assets plus other real estate owned to assets | 0.0744% | 4,869 |
| Noncurrent loans to loans | 0.1260% | 4,556 |
| Net loans and leases to total assets | 58.3899% | 4,022 |
| Net loans and leases to deposits | 75.4908% | 3,424 |
| Net loans and leases to core deposits | 91.3523% | 2,504 |
| Total domestic deposits to total assets | 77.3471% | 4,821 |
| Equity capital to assets | 12.2281% | 1,823 |
| Core capital (leverage) ratio | 12.6440% | 1,359 |
| Tier 1 risk-based capital ratio | 17.5759% | 1,986 |
| Total risk-based capital ratio | 18.4738% | 2,037 |
| Memoranda: | ||
| Average total assets | $143,343,750 | 3,595 |
| Average earning assets | $130,031,750 | 3,624 |
| Average equity | $16,233,500 | 3,599 |
| Average total loans | $83,727,500 | 3,688 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0856% | 2,874 |
| Cost of funding earning assets | 0.6528% | 1,124 |
| Net interest margin | 3.4328% | 3,658 |
| Noninterest income to average assets | 0.4733% | 3,198 |
| Noninterest expense to average assets | 2.6582% | 3,238 |
| Loan and lease loss provision to assets | 0.0444% | 3,104 |
| Net operating income to assets | 0.8426% | 3,192 |
| Return on assets (ROA) | 0.8426% | 3,236 |
| Pretax return on assets | 0.8801% | 3,994 |
| Return on Equity (ROE) | 7.6391% | 3,228 |
| Retained earnings to average equity (ytd only) | 6.0659% | 2,076 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1960% | 1,972 |
| Assets per employee ($millions) | 5.9580% | 1,498 |
| Cash dividends to net income (ytd only)* | 20.5931% | 3,092 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0922% | 3,630 |
| Loan loss allowance to noncurrent loans | 12,914.2857% | 62 |
| Noncurrent assets plus other real estate owned to assets | 0.0049% | 5,288 |
| Noncurrent loans to loans | 0.0085% | 5,154 |
| Net loans and leases to total assets | 57.2525% | 4,099 |
| Net loans and leases to deposits | 72.8406% | 3,662 |
| Net loans and leases to core deposits | 87.3509% | 2,764 |
| Total domestic deposits to total assets | 78.5997% | 4,709 |
| Equity capital to assets | 11.9055% | 1,994 |
| Core capital (leverage) ratio | 12.0382% | 1,615 |
| Tier 1 risk-based capital ratio | 17.1322% | 2,128 |
| Total risk-based capital ratio | 18.0260% | 2,173 |
| Memoranda: | ||
| Average total assets | $144,080,330 | 3,595 |
| Average earning assets | $130,506,670 | 3,638 |
| Average equity | $15,892,000 | 3,649 |
| Average total loans | $83,863,330 | 3,695 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0664% | 2,782 |
| Cost of funding earning assets | 0.6421% | 1,118 |
| Net interest margin | 3.4243% | 3,552 |
| Noninterest income to average assets | 0.4978% | 2,993 |
| Noninterest expense to average assets | 2.6828% | 3,206 |
| Loan and lease loss provision to assets | 0.0885% | 2,064 |
| Net operating income to assets | 0.7855% | 3,284 |
| Return on assets (ROA) | 0.7855% | 3,340 |
| Pretax return on assets | 0.8242% | 4,017 |
| Return on Equity (ROE) | 7.4122% | 3,203 |
| Retained earnings to average equity (ytd only) | 7.4122% | 1,689 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6154% | 2,121 |
| Assets per employee ($millions) | 5.5372% | 1,852 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0779% | 3,836 |
| Loan loss allowance to noncurrent loans | 145.3376% | 2,879 |
| Noncurrent assets plus other real estate owned to assets | 0.4320% | 3,464 |
| Noncurrent loans to loans | 0.7417% | 2,639 |
| Net loans and leases to total assets | 57.6254% | 4,007 |
| Net loans and leases to deposits | 73.5920% | 3,442 |
| Net loans and leases to core deposits | 88.8072% | 2,471 |
| Total domestic deposits to total assets | 78.3039% | 4,932 |
| Equity capital to assets | 10.9352% | 2,705 |
| Core capital (leverage) ratio | 11.7376% | 1,798 |
| Tier 1 risk-based capital ratio | 17.1615% | 2,130 |
| Total risk-based capital ratio | 18.0672% | 2,212 |
| Memoranda: | ||
| Average total assets | $144,624,000 | 3,624 |
| Average earning assets | $130,828,000 | 3,670 |
| Average equity | $15,326,000 | 3,742 |
| Average total loans | $84,409,500 | 3,714 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0491% | 3,023 |
| Cost of funding earning assets | 0.6657% | 976 |
| Net interest margin | 3.3834% | 3,876 |
| Noninterest income to average assets | 0.4681% | 3,424 |
| Noninterest expense to average assets | 2.6435% | 3,547 |
| Loan and lease loss provision to assets | 0.1808% | 1,320 |
| Net operating income to assets | 0.6947% | 3,805 |
| Return on assets (ROA) | 1.0502% | 2,243 |
| Pretax return on assets | 1.0863% | 3,154 |
| Return on Equity (ROE) | 9.2857% | 2,281 |
| Retained earnings to average equity (ytd only) | 5.2975% | 2,132 |
| Net charge-offs to loans | 0.0909% | 2,398 |
| Credit loss provision to net charge-offs | 353.3333% | 870 |
| Earnings coverage of net charge-offs (x) | 17.6000% | 2,032 |
| Efficiency ratio | 74.5861% | 2,214 |
| Assets per employee ($millions) | 5.8113% | 1,612 |
| Cash dividends to net income (ytd only)* | 42.9500% | 2,712 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0264% | 4,155 |
| Loan loss allowance to noncurrent loans | 177.9592% | 2,454 |
| Noncurrent assets plus other real estate owned to assets | 0.3373% | 3,929 |
| Noncurrent loans to loans | 0.5768% | 3,114 |
| Net loans and leases to total assets | 57.8750% | 4,078 |
| Net loans and leases to deposits | 77.9194% | 3,115 |
| Net loans and leases to core deposits | 94.4391% | 2,061 |
| Total domestic deposits to total assets | 74.2755% | 5,419 |
| Equity capital to assets | 10.2621% | 3,434 |
| Core capital (leverage) ratio | 11.4815% | 1,942 |
| Tier 1 risk-based capital ratio | 16.8211% | 2,220 |
| Total risk-based capital ratio | 17.6918% | 2,310 |
| Memoranda: | ||
| Average total assets | $146,549,800 | 3,570 |
| Average earning assets | $133,239,200 | 3,599 |
| Average equity | $16,573,800 | 3,615 |
| Average total loans | $82,490,600 | 3,755 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0516% | 3,032 |
| Cost of funding earning assets | 0.6774% | 918 |
| Net interest margin | 3.3742% | 3,944 |
| Noninterest income to average assets | 0.4821% | 3,367 |
| Noninterest expense to average assets | 2.5801% | 3,731 |
| Loan and lease loss provision to assets | 0.2406% | 796 |
| Net operating income to assets | 0.7143% | 3,767 |
| Return on assets (ROA) | 1.1484% | 1,917 |
| Pretax return on assets | 1.1838% | 2,900 |
| Return on Equity (ROE) | 9.9271% | 2,083 |
| Retained earnings to average equity (ytd only) | 5.9877% | 2,191 |
| Net charge-offs to loans | 0.0261% | 3,145 |
| Credit loss provision to net charge-offs | 1,656.2500% | 285 |
| Earnings coverage of net charge-offs (x) | 67.2588% | 882 |
| Efficiency ratio | 72.5370% | 2,493 |
| Assets per employee ($millions) | 6.0051% | 1,431 |
| Cash dividends to net income (ytd only)* | 39.6841% | 2,371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0992% | 3,839 |
| Loan loss allowance to noncurrent loans | 246.9496% | 1,910 |
| Noncurrent assets plus other real estate owned to assets | 0.2511% | 4,435 |
| Noncurrent loans to loans | 0.4451% | 3,688 |
| Net loans and leases to total assets | 55.7964% | 4,328 |
| Net loans and leases to deposits | 73.9734% | 3,602 |
| Net loans and leases to core deposits | 88.7643% | 2,684 |
| Total domestic deposits to total assets | 75.4276% | 5,296 |
| Equity capital to assets | 11.6314% | 2,412 |
| Core capital (leverage) ratio | 11.3599% | 2,146 |
| Tier 1 risk-based capital ratio | 15.9313% | 2,656 |
| Total risk-based capital ratio | 16.8177% | 2,738 |
| Memoranda: | ||
| Average total assets | $146,866,750 | 3,582 |
| Average earning assets | $133,836,500 | 3,609 |
| Average equity | $16,990,000 | 3,580 |
| Average total loans | $81,874,750 | 3,783 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0786% | 2,956 |
| Cost of funding earning assets | 0.6808% | 885 |
| Net interest margin | 3.3979% | 3,901 |
| Noninterest income to average assets | 0.4788% | 3,342 |
| Noninterest expense to average assets | 2.5600% | 3,855 |
| Loan and lease loss provision to assets | 0.2264% | 911 |
| Net operating income to assets | 0.7673% | 3,467 |
| Return on assets (ROA) | 1.2677% | 1,481 |
| Pretax return on assets | 1.3033% | 2,396 |
| Return on Equity (ROE) | 10.9787% | 1,651 |
| Retained earnings to average equity (ytd only) | 5.4774% | 2,433 |
| Net charge-offs to loans | 0.0173% | 3,162 |
| Credit loss provision to net charge-offs | 2,357.1429% | 185 |
| Earnings coverage of net charge-offs (x) | 105.5714% | 546 |
| Efficiency ratio | 71.6315% | 2,727 |
| Assets per employee ($millions) | 6.3807% | 1,144 |
| Cash dividends to net income (ytd only)* | 50.1082% | 1,960 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0043% | 4,489 |
| Loan loss allowance to noncurrent loans | 622.2222% | 891 |
| Noncurrent assets plus other real estate owned to assets | 0.0920% | 5,151 |
| Noncurrent loans to loans | 0.1614% | 4,799 |
| Net loans and leases to total assets | 56.4181% | 4,261 |
| Net loans and leases to deposits | 71.2944% | 3,860 |
| Net loans and leases to core deposits | 88.7076% | 2,663 |
| Total domestic deposits to total assets | 79.1341% | 4,748 |
| Equity capital to assets | 12.2380% | 1,952 |
| Core capital (leverage) ratio | 11.2847% | 2,161 |
| Tier 1 risk-based capital ratio | 15.8502% | 2,714 |
| Total risk-based capital ratio | 16.6606% | 2,829 |
| Memoranda: | ||
| Average total assets | $145,779,670 | 3,619 |
| Average earning assets | $132,789,670 | 3,647 |
| Average equity | $16,832,670 | 3,611 |
| Average total loans | $80,934,000 | 3,828 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0516% | 3,026 |
| Cost of funding earning assets | 0.7116% | 761 |
| Net interest margin | 3.3400% | 4,078 |
| Noninterest income to average assets | 0.5038% | 3,093 |
| Noninterest expense to average assets | 2.5879% | 3,783 |
| Loan and lease loss provision to assets | 0.2478% | 711 |
| Net operating income to assets | 0.6858% | 3,787 |
| Return on assets (ROA) | 1.2306% | 1,561 |
| Pretax return on assets | 1.2664% | 2,440 |
| Return on Equity (ROE) | 10.9902% | 1,603 |
| Retained earnings to average equity (ytd only) | 8.1382% | 1,396 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0949% | 2,622 |
| Assets per employee ($millions) | 6.0628% | 1,365 |
| Cash dividends to net income (ytd only)* | 25.9508% | 2,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9628% | 4,793 |
| Loan loss allowance to noncurrent loans | 116.4404% | 3,292 |
| Noncurrent assets plus other real estate owned to assets | 0.4557% | 3,769 |
| Noncurrent loans to loans | 0.8269% | 2,770 |
| Net loans and leases to total assets | 54.5758% | 4,395 |
| Net loans and leases to deposits | 69.1468% | 3,942 |
| Net loans and leases to core deposits | 85.8219% | 2,766 |
| Total domestic deposits to total assets | 78.9273% | 4,982 |
| Equity capital to assets | 11.2999% | 2,629 |
| Core capital (leverage) ratio | 11.1749% | 2,244 |
| Tier 1 risk-based capital ratio | 15.8901% | 2,740 |
| Total risk-based capital ratio | 16.6428% | 2,913 |
| Memoranda: | ||
| Average total assets | $145,291,500 | 3,650 |
| Average earning assets | $132,094,500 | 3,685 |
| Average equity | $16,269,000 | 3,699 |
| Average total loans | $79,582,500 | 3,866 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9349% | 3,583 |
| Cost of funding earning assets | 0.6576% | 1,028 |
| Net interest margin | 3.2772% | 4,382 |
| Noninterest income to average assets | 0.4898% | 3,396 |
| Noninterest expense to average assets | 2.6257% | 3,835 |
| Loan and lease loss provision to assets | 0.1467% | 1,608 |
| Net operating income to assets | 0.6681% | 3,961 |
| Return on assets (ROA) | 0.8720% | 3,094 |
| Pretax return on assets | 0.9069% | 3,811 |
| Return on Equity (ROE) | 8.1643% | 2,862 |
| Retained earnings to average equity (ytd only) | 6.1102% | 1,737 |
| Net charge-offs to loans | 0.7948% | 280 |
| Credit loss provision to net charge-offs | 34.5395% | 3,595 |
| Earnings coverage of net charge-offs (x) | 1.9803% | 3,996 |
| Efficiency ratio | 75.7356% | 2,317 |
| Assets per employee ($millions) | 6.0449% | 1,356 |
| Cash dividends to net income (ytd only)* | 25.1603% | 3,562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8635% | 5,221 |
| Loan loss allowance to noncurrent loans | 91.1765% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.6024% | 3,276 |
| Noncurrent loans to loans | 0.9471% | 2,440 |
| Net loans and leases to total assets | 53.9713% | 4,504 |
| Net loans and leases to deposits | 69.1892% | 4,001 |
| Net loans and leases to core deposits | 87.6349% | 2,639 |
| Total domestic deposits to total assets | 78.0055% | 5,165 |
| Equity capital to assets | 11.0948% | 2,729 |
| Core capital (leverage) ratio | 10.9253% | 2,471 |
| Tier 1 risk-based capital ratio | 15.7240% | 2,815 |
| Total risk-based capital ratio | 16.3956% | 3,038 |
| Memoranda: | ||
| Average total assets | $143,122,000 | 3,674 |
| Average earning assets | $130,017,600 | 3,701 |
| Average equity | $15,286,000 | 3,784 |
| Average total loans | $76,498,000 | 3,928 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9328% | 3,618 |
| Cost of funding earning assets | 0.6431% | 1,134 |
| Net interest margin | 3.2897% | 4,401 |
| Noninterest income to average assets | 0.4992% | 3,369 |
| Noninterest expense to average assets | 2.6062% | 3,857 |
| Loan and lease loss provision to assets | 0.1262% | 1,793 |
| Net operating income to assets | 0.7291% | 3,769 |
| Return on assets (ROA) | 0.9525% | 2,796 |
| Pretax return on assets | 0.9881% | 3,658 |
| Return on Equity (ROE) | 9.0074% | 2,575 |
| Retained earnings to average equity (ytd only) | 6.2318% | 2,100 |
| Net charge-offs to loans | 1.0824% | 170 |
| Credit loss provision to net charge-offs | 21.9156% | 3,351 |
| Earnings coverage of net charge-offs (x) | 1.5308% | 3,814 |
| Efficiency ratio | 74.7253% | 2,440 |
| Assets per employee ($millions) | 6.1309% | 1,281 |
| Cash dividends to net income (ytd only)* | 30.8149% | 2,780 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7881% | 5,548 |
| Loan loss allowance to noncurrent loans | 96.9256% | 3,748 |
| Noncurrent assets plus other real estate owned to assets | 0.4200% | 4,095 |
| Noncurrent loans to loans | 0.8131% | 2,936 |
| Net loans and leases to total assets | 51.2498% | 4,830 |
| Net loans and leases to deposits | 64.2230% | 4,539 |
| Net loans and leases to core deposits | 80.7933% | 3,361 |
| Total domestic deposits to total assets | 79.7998% | 4,791 |
| Equity capital to assets | 10.4212% | 3,684 |
| Core capital (leverage) ratio | 10.9612% | 2,529 |
| Tier 1 risk-based capital ratio | 16.1072% | 2,752 |
| Total risk-based capital ratio | 16.7202% | 2,993 |
| Memoranda: | ||
| Average total assets | $142,633,250 | 3,709 |
| Average earning assets | $129,573,750 | 3,743 |
| Average equity | $15,083,500 | 3,861 |
| Average total loans | $75,877,000 | 3,980 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9632% | 3,432 |
| Cost of funding earning assets | 0.6444% | 1,134 |
| Net interest margin | 3.3188% | 4,216 |
| Noninterest income to average assets | 0.5187% | 3,236 |
| Noninterest expense to average assets | 2.6316% | 3,811 |
| Loan and lease loss provision to assets | 0.1771% | 1,166 |
| Net operating income to assets | 0.6928% | 3,923 |
| Return on assets (ROA) | 0.9948% | 2,524 |
| Pretax return on assets | 1.0317% | 3,451 |
| Return on Equity (ROE) | 9.3600% | 2,357 |
| Retained earnings to average equity (ytd only) | 5.1733% | 2,747 |
| Net charge-offs to loans | -0.0738% | 5,684 |
| Credit loss provision to net charge-offs | -446.4286% | 5,186 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6383% | 2,588 |
| Assets per employee ($millions) | 5.8895% | 1,440 |
| Cash dividends to net income (ytd only)* | 44.7293% | 2,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6321% | 1,807 |
| Loan loss allowance to noncurrent loans | 62.0846% | 4,696 |
| Noncurrent assets plus other real estate owned to assets | 1.4051% | 1,785 |
| Noncurrent loans to loans | 2.6288% | 836 |
| Net loans and leases to total assets | 52.5756% | 4,699 |
| Net loans and leases to deposits | 67.1874% | 4,207 |
| Net loans and leases to core deposits | 81.8112% | 3,198 |
| Total domestic deposits to total assets | 78.2521% | 5,222 |
| Equity capital to assets | 10.0441% | 3,987 |
| Core capital (leverage) ratio | 11.0242% | 2,397 |
| Tier 1 risk-based capital ratio | 16.3395% | 2,695 |
| Total risk-based capital ratio | 17.5897% | 2,652 |
| Memoranda: | ||
| Average total assets | $141,130,330 | 3,767 |
| Average earning assets | $127,877,000 | 3,803 |
| Average equity | $15,000,000 | 3,887 |
| Average total loans | $75,833,000 | 4,003 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0108% | 3,194 |
| Cost of funding earning assets | 0.6445% | 1,159 |
| Net interest margin | 3.3663% | 3,965 |
| Noninterest income to average assets | 0.5503% | 2,944 |
| Noninterest expense to average assets | 2.6010% | 3,918 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.9668% | 2,413 |
| Return on assets (ROA) | 1.0438% | 2,203 |
| Pretax return on assets | 1.0807% | 3,158 |
| Return on Equity (ROE) | 9.5575% | 2,197 |
| Retained earnings to average equity (ytd only) | 6.7526% | 2,125 |
| Net charge-offs to loans | -0.1422% | 5,966 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2047% | 3,136 |
| Assets per employee ($millions) | 5.8559% | 1,500 |
| Cash dividends to net income (ytd only)* | 29.3478% | 2,364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4906% | 2,483 |
| Loan loss allowance to noncurrent loans | 73.8985% | 4,337 |
| Noncurrent assets plus other real estate owned to assets | 1.0659% | 2,483 |
| Noncurrent loans to loans | 2.0171% | 1,294 |
| Net loans and leases to total assets | 52.0553% | 4,660 |
| Net loans and leases to deposits | 65.4181% | 4,215 |
| Net loans and leases to core deposits | 80.5964% | 3,093 |
| Total domestic deposits to total assets | 79.5732% | 5,153 |
| Equity capital to assets | 11.1761% | 2,782 |
| Core capital (leverage) ratio | 10.9325% | 2,484 |
| Tier 1 risk-based capital ratio | 16.4247% | 2,723 |
| Total risk-based capital ratio | 17.6135% | 2,687 |
| Memoranda: | ||
| Average total assets | $141,022,000 | 3,796 |
| Average earning assets | $127,855,000 | 3,834 |
| Average equity | $15,401,500 | 3,855 |
| Average total loans | $75,976,000 | 4,020 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1006% | 3,326 |
| Cost of funding earning assets | 0.6979% | 1,122 |
| Net interest margin | 3.4027% | 4,189 |
| Noninterest income to average assets | 0.4871% | 3,609 |
| Noninterest expense to average assets | 2.5948% | 4,242 |
| Loan and lease loss provision to assets | 0.0071% | 4,486 |
| Net operating income to assets | 0.9127% | 2,816 |
| Return on assets (ROA) | 0.9394% | 2,770 |
| Pretax return on assets | 0.9742% | 3,596 |
| Return on Equity (ROE) | 9.7489% | 2,223 |
| Retained earnings to average equity (ytd only) | 9.7489% | 556 |
| Net charge-offs to loans | 0.1093% | 2,956 |
| Credit loss provision to net charge-offs | 11.7647% | 4,079 |
| Earnings coverage of net charge-offs (x) | 15.7765% | 2,061 |
| Efficiency ratio | 73.1263% | 3,001 |
| Assets per employee ($millions) | 5.8960% | 1,453 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3902% | 2,994 |
| Loan loss allowance to noncurrent loans | 2,204.0816% | 303 |
| Noncurrent assets plus other real estate owned to assets | 0.0346% | 5,904 |
| Noncurrent loans to loans | 0.0631% | 5,625 |
| Net loans and leases to total assets | 54.1374% | 4,563 |
| Net loans and leases to deposits | 69.3280% | 3,994 |
| Net loans and leases to core deposits | 84.4534% | 2,850 |
| Total domestic deposits to total assets | 78.0888% | 5,422 |
| Equity capital to assets | 10.6683% | 3,277 |
| Core capital (leverage) ratio | 10.5955% | 2,842 |
| Tier 1 risk-based capital ratio | 15.9554% | 2,983 |
| Total risk-based capital ratio | 17.1016% | 2,983 |
| Memoranda: | ||
| Average total assets | $140,626,600 | 3,792 |
| Average earning assets | $126,516,600 | 3,834 |
| Average equity | $13,550,200 | 4,097 |
| Average total loans | $77,768,600 | 3,936 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0696% | 3,486 |
| Cost of funding earning assets | 0.6873% | 1,220 |
| Net interest margin | 3.3824% | 4,301 |
| Noninterest income to average assets | 0.4881% | 3,629 |
| Noninterest expense to average assets | 2.6399% | 4,051 |
| Loan and lease loss provision to assets | 0.0095% | 4,234 |
| Net operating income to assets | 0.8531% | 3,161 |
| Return on assets (ROA) | 0.9562% | 2,735 |
| Pretax return on assets | 0.9828% | 3,660 |
| Return on Equity (ROE) | 10.1994% | 2,119 |
| Retained earnings to average equity (ytd only) | 10.1994% | 657 |
| Net charge-offs to loans | 0.1645% | 2,154 |
| Credit loss provision to net charge-offs | 10.4167% | 3,700 |
| Earnings coverage of net charge-offs (x) | 9.7185% | 2,634 |
| Efficiency ratio | 74.8721% | 2,681 |
| Assets per employee ($millions) | 5.9646% | 1,357 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3990% | 3,183 |
| Loan loss allowance to noncurrent loans | 1,908.9286% | 314 |
| Noncurrent assets plus other real estate owned to assets | 0.0391% | 6,011 |
| Noncurrent loans to loans | 0.0733% | 5,732 |
| Net loans and leases to total assets | 52.6301% | 4,736 |
| Net loans and leases to deposits | 65.2543% | 4,407 |
| Net loans and leases to core deposits | 77.3543% | 3,601 |
| Total domestic deposits to total assets | 80.6539% | 4,927 |
| Equity capital to assets | 10.1474% | 3,995 |
| Core capital (leverage) ratio | 10.1666% | 3,451 |
| Tier 1 risk-based capital ratio | 15.6809% | 3,226 |
| Total risk-based capital ratio | 16.8197% | 3,214 |
| Memoranda: | ||
| Average total assets | $140,407,500 | 3,819 |
| Average earning assets | $126,102,250 | 3,874 |
| Average equity | $13,163,750 | 4,188 |
| Average total loans | $77,789,250 | 3,970 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0230% | 3,640 |
| Cost of funding earning assets | 0.6809% | 1,306 |
| Net interest margin | 3.3421% | 4,433 |
| Noninterest income to average assets | 0.4731% | 3,683 |
| Noninterest expense to average assets | 2.6768% | 3,951 |
| Loan and lease loss provision to assets | 0.0143% | 3,970 |
| Net operating income to assets | 0.7510% | 3,566 |
| Return on assets (ROA) | 0.8818% | 2,987 |
| Pretax return on assets | 0.9076% | 3,864 |
| Return on Equity (ROE) | 9.6777% | 2,291 |
| Retained earnings to average equity (ytd only) | 9.6777% | 799 |
| Net charge-offs to loans | -0.0179% | 5,503 |
| Credit loss provision to net charge-offs | -142.8571% | 5,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2765% | 2,411 |
| Assets per employee ($millions) | 5.8658% | 1,373 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4808% | 2,988 |
| Loan loss allowance to noncurrent loans | 861.7647% | 583 |
| Noncurrent assets plus other real estate owned to assets | 0.1463% | 5,709 |
| Noncurrent loans to loans | 0.1718% | 5,494 |
| Net loans and leases to total assets | 55.3886% | 4,363 |
| Net loans and leases to deposits | 71.9074% | 3,579 |
| Net loans and leases to core deposits | 86.2555% | 2,492 |
| Total domestic deposits to total assets | 77.0277% | 5,797 |
| Equity capital to assets | 9.6755% | 4,524 |
| Core capital (leverage) ratio | 10.3942% | 3,090 |
| Tier 1 risk-based capital ratio | 15.0875% | 3,586 |
| Total risk-based capital ratio | 16.3216% | 3,543 |
| Memoranda: | ||
| Average total assets | $139,493,330 | 3,857 |
| Average earning assets | $124,833,000 | 3,914 |
| Average equity | $12,709,670 | 4,280 |
| Average total loans | $78,249,330 | 3,967 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9562% | 3,872 |
| Cost of funding earning assets | 0.6497% | 1,581 |
| Net interest margin | 3.3065% | 4,508 |
| Noninterest income to average assets | 0.4984% | 3,422 |
| Noninterest expense to average assets | 2.6446% | 4,132 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.7800% | 3,253 |
| Return on assets (ROA) | 0.9449% | 2,502 |
| Pretax return on assets | 0.9708% | 3,437 |
| Return on Equity (ROE) | 10.7067% | 1,789 |
| Retained earnings to average equity (ytd only) | 10.7067% | 797 |
| Net charge-offs to loans | -0.0103% | 5,057 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7559% | 2,676 |
| Assets per employee ($millions) | 5.6862% | 1,548 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5428% | 2,960 |
| Loan loss allowance to noncurrent loans | 787.0748% | 647 |
| Noncurrent assets plus other real estate owned to assets | 0.1590% | 5,767 |
| Noncurrent loans to loans | 0.1960% | 5,505 |
| Net loans and leases to total assets | 54.1065% | 4,400 |
| Net loans and leases to deposits | 69.1153% | 3,723 |
| Net loans and leases to core deposits | 82.4149% | 2,697 |
| Total domestic deposits to total assets | 78.2843% | 5,789 |
| Equity capital to assets | 9.2403% | 4,827 |
| Core capital (leverage) ratio | 10.1214% | 3,399 |
| Tier 1 risk-based capital ratio | 15.5290% | 3,417 |
| Total risk-based capital ratio | 16.7798% | 3,387 |
| Memoranda: | ||
| Average total assets | $138,851,000 | 3,896 |
| Average earning assets | $123,754,500 | 3,971 |
| Average equity | $12,254,000 | 4,379 |
| Average total loans | $77,800,500 | 4,003 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9639% | 4,223 |
| Cost of funding earning assets | 0.7804% | 1,321 |
| Net interest margin | 3.1835% | 5,052 |
| Noninterest income to average assets | 0.5069% | 3,709 |
| Noninterest expense to average assets | 2.6779% | 4,175 |
| Loan and lease loss provision to assets | 0.1929% | 1,917 |
| Net operating income to assets | 0.4499% | 4,953 |
| Return on assets (ROA) | 0.5793% | 4,474 |
| Pretax return on assets | 0.6023% | 4,869 |
| Return on Equity (ROE) | 6.4026% | 3,871 |
| Retained earnings to average equity (ytd only) | 6.4026% | 1,738 |
| Net charge-offs to loans | 0.3301% | 2,029 |
| Credit loss provision to net charge-offs | 107.1713% | 2,238 |
| Earnings coverage of net charge-offs (x) | 3.6693% | 3,791 |
| Efficiency ratio | 80.2191% | 2,119 |
| Assets per employee ($millions) | 5.6494% | 1,516 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4329% | 3,496 |
| Loan loss allowance to noncurrent loans | 54.4041% | 5,074 |
| Noncurrent assets plus other real estate owned to assets | 1.5527% | 2,398 |
| Noncurrent loans to loans | 2.6338% | 1,412 |
| Net loans and leases to total assets | 56.2549% | 4,277 |
| Net loans and leases to deposits | 74.5634% | 3,183 |
| Net loans and leases to core deposits | 88.4666% | 2,193 |
| Total domestic deposits to total assets | 75.4457% | 6,146 |
| Equity capital to assets | 8.4243% | 5,662 |
| Core capital (leverage) ratio | 9.5947% | 4,120 |
| Tier 1 risk-based capital ratio | 14.5454% | 3,931 |
| Total risk-based capital ratio | 15.7705% | 3,875 |
| Memoranda: | ||
| Average total assets | $139,474,800 | 3,879 |
| Average earning assets | $124,044,400 | 3,971 |
| Average equity | $12,619,800 | 4,329 |
| Average total loans | $76,040,400 | 4,056 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9203% | 4,426 |
| Cost of funding earning assets | 0.7664% | 1,506 |
| Net interest margin | 3.1539% | 5,137 |
| Noninterest income to average assets | 0.5274% | 3,611 |
| Noninterest expense to average assets | 2.7283% | 3,910 |
| Loan and lease loss provision to assets | 0.2580% | 1,380 |
| Net operating income to assets | 0.3302% | 5,492 |
| Return on assets (ROA) | 0.4996% | 4,958 |
| Pretax return on assets | 0.5255% | 5,282 |
| Return on Equity (ROE) | 5.4268% | 4,508 |
| Retained earnings to average equity (ytd only) | 5.4268% | 2,779 |
| Net charge-offs to loans | 0.4575% | 1,401 |
| Credit loss provision to net charge-offs | 104.6693% | 2,234 |
| Earnings coverage of net charge-offs (x) | 2.4552% | 4,013 |
| Efficiency ratio | 81.8470% | 1,841 |
| Assets per employee ($millions) | 5.6732% | 1,478 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4735% | 3,571 |
| Loan loss allowance to noncurrent loans | 552.4038% | 814 |
| Noncurrent assets plus other real estate owned to assets | 0.1467% | 6,002 |
| Noncurrent loans to loans | 0.2667% | 5,563 |
| Net loans and leases to total assets | 54.1684% | 4,588 |
| Net loans and leases to deposits | 71.0808% | 3,630 |
| Net loans and leases to core deposits | 81.4311% | 2,943 |
| Total domestic deposits to total assets | 76.2067% | 6,148 |
| Equity capital to assets | 8.4573% | 5,781 |
| Core capital (leverage) ratio | 9.6036% | 4,239 |
| Tier 1 risk-based capital ratio | 14.4307% | 4,123 |
| Total risk-based capital ratio | 15.6656% | 4,094 |
| Memoranda: | ||
| Average total assets | $139,035,000 | 3,932 |
| Average earning assets | $123,695,500 | 4,010 |
| Average equity | $12,800,250 | 4,348 |
| Average total loans | $74,899,000 | 4,123 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8830% | 4,543 |
| Cost of funding earning assets | 0.8337% | 1,239 |
| Net interest margin | 3.0493% | 5,431 |
| Noninterest income to average assets | 0.7169% | 2,562 |
| Noninterest expense to average assets | 2.7168% | 3,974 |
| Loan and lease loss provision to assets | 0.1376% | 2,607 |
| Net operating income to assets | 0.5508% | 4,550 |
| Return on assets (ROA) | 0.8008% | 3,444 |
| Pretax return on assets | 0.8269% | 4,208 |
| Return on Equity (ROE) | 8.4630% | 2,870 |
| Retained earnings to average equity (ytd only) | 8.4630% | 1,308 |
| Net charge-offs to loans | 0.2572% | 2,180 |
| Credit loss provision to net charge-offs | 100.0000% | 2,196 |
| Earnings coverage of net charge-offs (x) | 5.1368% | 2,958 |
| Efficiency ratio | 79.3570% | 2,248 |
| Assets per employee ($millions) | 5.2717% | 1,825 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4894% | 3,633 |
| Loan loss allowance to noncurrent loans | 341.4414% | 1,237 |
| Noncurrent assets plus other real estate owned to assets | 0.3779% | 5,346 |
| Noncurrent loans to loans | 0.4362% | 5,174 |
| Net loans and leases to total assets | 54.8645% | 4,468 |
| Net loans and leases to deposits | 69.3049% | 3,814 |
| Net loans and leases to core deposits | 79.5632% | 3,075 |
| Total domestic deposits to total assets | 79.1639% | 5,780 |
| Equity capital to assets | 8.5500% | 5,718 |
| Core capital (leverage) ratio | 10.0159% | 3,484 |
| Tier 1 risk-based capital ratio | 14.7827% | 3,919 |
| Total risk-based capital ratio | 16.0316% | 3,886 |
| Memoranda: | ||
| Average total assets | $138,103,330 | 3,985 |
| Average earning assets | $122,587,000 | 4,072 |
| Average equity | $13,068,670 | 4,336 |
| Average total loans | $73,873,330 | 4,179 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8645% | 4,600 |
| Cost of funding earning assets | 0.8374% | 1,328 |
| Net interest margin | 3.0271% | 5,497 |
| Noninterest income to average assets | 0.9089% | 1,729 |
| Noninterest expense to average assets | 2.6951% | 4,081 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.8788% | 2,759 |
| Return on assets (ROA) | 1.3822% | 1,152 |
| Pretax return on assets | 1.4081% | 1,826 |
| Return on Equity (ROE) | 13.9411% | 976 |
| Retained earnings to average equity (ytd only) | 13.9411% | 458 |
| Net charge-offs to loans | -0.0220% | 5,757 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0804% | 3,084 |
| Assets per employee ($millions) | 5.2161% | 1,961 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6242% | 3,301 |
| Loan loss allowance to noncurrent loans | 326.0000% | 1,227 |
| Noncurrent assets plus other real estate owned to assets | 0.3945% | 5,407 |
| Noncurrent loans to loans | 0.4982% | 5,180 |
| Net loans and leases to total assets | 50.9575% | 4,851 |
| Net loans and leases to deposits | 62.1827% | 4,519 |
| Net loans and leases to core deposits | 71.3645% | 3,902 |
| Total domestic deposits to total assets | 81.9480% | 5,210 |
| Equity capital to assets | 9.9625% | 4,193 |
| Core capital (leverage) ratio | 9.8551% | 3,592 |
| Tier 1 risk-based capital ratio | 15.6990% | 3,423 |
| Total risk-based capital ratio | 16.9505% | 3,391 |
| Memoranda: | ||
| Average total assets | $138,622,500 | 4,009 |
| Average earning assets | $122,759,500 | 4,098 |
| Average equity | $13,743,500 | 4,237 |
| Average total loans | $72,641,500 | 4,244 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3216% | 4,121 |
| Cost of funding earning assets | 1.1063% | 888 |
| Net interest margin | 3.2153% | 5,534 |
| Noninterest income to average assets | 0.1083% | 6,471 |
| Noninterest expense to average assets | 2.9354% | 3,517 |
| Loan and lease loss provision to assets | 0.0459% | 5,268 |
| Net operating income to assets | -0.0730% | 6,261 |
| Return on assets (ROA) | 0.3979% | 5,352 |
| Pretax return on assets | 0.3979% | 5,584 |
| Return on Equity (ROE) | 3.8233% | 5,219 |
| Retained earnings to average equity (ytd only) | 3.1873% | 3,981 |
| Net charge-offs to loans | 0.6353% | 1,845 |
| Credit loss provision to net charge-offs | 13.3188% | 5,363 |
| Earnings coverage of net charge-offs (x) | -0.0786% | 5,526 |
| Efficiency ratio | 100.9310% | 525 |
| Assets per employee ($millions) | 5.4472% | 1,737 |
| Cash dividends to net income (ytd only)* | 16.6352% | 3,867 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5153% | 3,683 |
| Loan loss allowance to noncurrent loans | 296.8668% | 1,314 |
| Noncurrent assets plus other real estate owned to assets | 0.4632% | 5,317 |
| Noncurrent loans to loans | 0.5104% | 5,257 |
| Net loans and leases to total assets | 52.1776% | 4,905 |
| Net loans and leases to deposits | 70.0439% | 3,706 |
| Net loans and leases to core deposits | 80.6613% | 2,923 |
| Total domestic deposits to total assets | 74.4927% | 6,488 |
| Equity capital to assets | 9.8682% | 4,355 |
| Core capital (leverage) ratio | 10.2210% | 3,109 |
| Tier 1 risk-based capital ratio | 14.8362% | 3,814 |
| Total risk-based capital ratio | 16.0869% | 3,766 |
| Memoranda: | ||
| Average total assets | $132,961,200 | 4,083 |
| Average earning assets | $115,791,600 | 4,214 |
| Average equity | $13,836,200 | 4,198 |
| Average total loans | $72,089,800 | 4,274 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3460% | 4,273 |
| Cost of funding earning assets | 1.1357% | 925 |
| Net interest margin | 3.2103% | 5,675 |
| Noninterest income to average assets | 0.2854% | 5,501 |
| Noninterest expense to average assets | 3.0357% | 3,111 |
| Loan and lease loss provision to assets | 0.0622% | 4,936 |
| Net operating income to assets | -0.0204% | 6,310 |
| Return on assets (ROA) | 0.5515% | 4,872 |
| Pretax return on assets | 0.5515% | 5,296 |
| Return on Equity (ROE) | 5.2265% | 4,716 |
| Retained earnings to average equity (ytd only) | 5.2265% | 3,206 |
| Net charge-offs to loans | 0.6839% | 1,616 |
| Credit loss provision to net charge-offs | 16.6667% | 5,001 |
| Earnings coverage of net charge-offs (x) | 0.1120% | 5,284 |
| Efficiency ratio | 98.6419% | 579 |
| Assets per employee ($millions) | 5.0430% | 2,129 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7985% | 2,799 |
| Loan loss allowance to noncurrent loans | 309.5718% | 1,202 |
| Noncurrent assets plus other real estate owned to assets | 0.8389% | 4,614 |
| Noncurrent loans to loans | 0.5810% | 5,278 |
| Net loans and leases to total assets | 51.1802% | 5,161 |
| Net loans and leases to deposits | 63.6383% | 4,758 |
| Net loans and leases to core deposits | 73.4853% | 4,049 |
| Total domestic deposits to total assets | 80.4236% | 5,541 |
| Equity capital to assets | 10.8758% | 3,411 |
| Core capital (leverage) ratio | 10.4169% | 3,015 |
| Tier 1 risk-based capital ratio | 15.9140% | 3,311 |
| Total risk-based capital ratio | 17.1661% | 3,284 |
| Memoranda: | ||
| Average total assets | $130,795,000 | 4,167 |
| Average earning assets | $113,757,000 | 4,293 |
| Average equity | $13,801,250 | 4,238 |
| Average total loans | $71,353,750 | 4,350 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4289% | 4,071 |
| Cost of funding earning assets | 1.2379% | 686 |
| Net interest margin | 3.1910% | 5,767 |
| Noninterest income to average assets | 0.1637% | 6,356 |
| Noninterest expense to average assets | 3.0852% | 2,974 |
| Loan and lease loss provision to assets | 0.0934% | 4,391 |
| Net operating income to assets | -0.2494% | 6,578 |
| Return on assets (ROA) | 0.4010% | 5,443 |
| Pretax return on assets | 0.4010% | 5,707 |
| Return on Equity (ROE) | 3.8393% | 5,338 |
| Retained earnings to average equity (ytd only) | 3.8393% | 4,058 |
| Net charge-offs to loans | 1.0945% | 995 |
| Credit loss provision to net charge-offs | 15.4040% | 4,675 |
| Earnings coverage of net charge-offs (x) | -0.2576% | 5,178 |
| Efficiency ratio | 105.3292% | 408 |
| Assets per employee ($millions) | 5.0786% | 2,058 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6181% | 3,544 |
| Loan loss allowance to noncurrent loans | 35.0073% | 5,920 |
| Noncurrent assets plus other real estate owned to assets | 3.3020% | 1,640 |
| Noncurrent loans to loans | 4.6221% | 1,130 |
| Net loans and leases to total assets | 55.2100% | 4,593 |
| Net loans and leases to deposits | 71.1542% | 3,745 |
| Net loans and leases to core deposits | 81.2602% | 3,052 |
| Total domestic deposits to total assets | 77.5921% | 6,232 |
| Equity capital to assets | 10.4602% | 3,731 |
| Core capital (leverage) ratio | 10.1773% | 3,167 |
| Tier 1 risk-based capital ratio | 14.4159% | 4,163 |
| Total risk-based capital ratio | 15.6663% | 4,130 |
| Memoranda: | ||
| Average total assets | $130,687,670 | 4,192 |
| Average earning assets | $113,256,330 | 4,331 |
| Average equity | $13,648,330 | 4,265 |
| Average total loans | $72,360,000 | 4,333 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3553% | 4,498 |
| Cost of funding earning assets | 1.2877% | 662 |
| Net interest margin | 3.0676% | 6,132 |
| Noninterest income to average assets | 0.4769% | 4,091 |
| Noninterest expense to average assets | 3.1198% | 2,853 |
| Loan and lease loss provision to assets | 0.1877% | 3,081 |
| Net operating income to assets | -0.1846% | 6,619 |
| Return on assets (ROA) | 0.3077% | 5,801 |
| Pretax return on assets | 0.3077% | 5,964 |
| Return on Equity (ROE) | 2.9484% | 5,732 |
| Retained earnings to average equity (ytd only) | 2.9484% | 4,778 |
| Net charge-offs to loans | 2.2549% | 391 |
| Credit loss provision to net charge-offs | 15.1365% | 3,836 |
| Earnings coverage of net charge-offs (x) | 0.0025% | 4,369 |
| Efficiency ratio | 99.9015% | 556 |
| Assets per employee ($millions) | 5.2075% | 1,988 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7101% | 3,308 |
| Loan loss allowance to noncurrent loans | 33.6059% | 5,992 |
| Noncurrent assets plus other real estate owned to assets | 3.9151% | 1,419 |
| Noncurrent loans to loans | 5.0888% | 1,095 |
| Net loans and leases to total assets | 52.6243% | 4,930 |
| Net loans and leases to deposits | 67.1976% | 4,192 |
| Net loans and leases to core deposits | 76.3870% | 3,572 |
| Total domestic deposits to total assets | 78.3127% | 6,222 |
| Equity capital to assets | 10.4696% | 3,526 |
| Core capital (leverage) ratio | 10.2550% | 3,046 |
| Tier 1 risk-based capital ratio | 14.8248% | 3,873 |
| Total risk-based capital ratio | 16.0765% | 3,835 |
| Memoranda: | ||
| Average total assets | $130,010,000 | 4,230 |
| Average earning assets | $112,139,500 | 4,379 |
| Average equity | $13,566,500 | 4,286 |
| Average total loans | $71,490,000 | 4,399 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9068% | 3,318 |
| Cost of funding earning assets | 1.4970% | 729 |
| Net interest margin | 3.4099% | 5,453 |
| Noninterest income to average assets | 0.4365% | 4,322 |
| Noninterest expense to average assets | 2.7137% | 4,695 |
| Loan and lease loss provision to assets | 0.7870% | 1,261 |
| Net operating income to assets | -0.1023% | 6,166 |
| Return on assets (ROA) | 0.1543% | 5,860 |
| Pretax return on assets | 0.1543% | 5,880 |
| Return on Equity (ROE) | 1.5406% | 5,830 |
| Retained earnings to average equity (ytd only) | 1.5406% | 5,110 |
| Net charge-offs to loans | 1.3743% | 1,196 |
| Credit loss provision to net charge-offs | 100.7944% | 3,459 |
| Earnings coverage of net charge-offs (x) | 0.8769% | 5,145 |
| Efficiency ratio | 79.8540% | 2,321 |
| Assets per employee ($millions) | 4.9936% | 2,209 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0934% | 2,021 |
| Loan loss allowance to noncurrent loans | 40.7221% | 5,558 |
| Noncurrent assets plus other real estate owned to assets | 4.1222% | 1,387 |
| Noncurrent loans to loans | 5.1407% | 1,087 |
| Net loans and leases to total assets | 55.2587% | 4,845 |
| Net loans and leases to deposits | 74.4928% | 3,417 |
| Net loans and leases to core deposits | 87.0204% | 2,504 |
| Total domestic deposits to total assets | 74.1799% | 6,698 |
| Equity capital to assets | 10.4003% | 3,653 |
| Core capital (leverage) ratio | 10.3282% | 2,940 |
| Tier 1 risk-based capital ratio | 14.1385% | 4,229 |
| Total risk-based capital ratio | 15.3942% | 4,175 |
| Memoranda: | ||
| Average total assets | $128,976,400 | 4,190 |
| Average earning assets | $112,027,200 | 4,335 |
| Average equity | $12,916,800 | 4,351 |
| Average total loans | $73,273,600 | 4,371 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9574% | 3,298 |
| Cost of funding earning assets | 1.4857% | 917 |
| Net interest margin | 3.4717% | 5,307 |
| Noninterest income to average assets | 0.5850% | 3,265 |
| Noninterest expense to average assets | 2.8507% | 4,143 |
| Loan and lease loss provision to assets | 0.7621% | 1,242 |
| Net operating income to assets | -0.0031% | 6,161 |
| Return on assets (ROA) | 0.2682% | 5,673 |
| Pretax return on assets | 0.2682% | 5,774 |
| Return on Equity (ROE) | 2.7041% | 5,539 |
| Retained earnings to average equity (ytd only) | 2.7041% | 4,738 |
| Net charge-offs to loans | 1.8415% | 718 |
| Credit loss provision to net charge-offs | 72.7273% | 4,390 |
| Earnings coverage of net charge-offs (x) | 0.7243% | 5,076 |
| Efficiency ratio | 78.9730% | 2,410 |
| Assets per employee ($millions) | 4.8114% | 2,458 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7493% | 3,106 |
| Loan loss allowance to noncurrent loans | 33.0077% | 6,085 |
| Noncurrent assets plus other real estate owned to assets | 4.6484% | 1,276 |
| Noncurrent loans to loans | 5.2997% | 1,148 |
| Net loans and leases to total assets | 56.1225% | 4,818 |
| Net loans and leases to deposits | 72.5834% | 3,875 |
| Net loans and leases to core deposits | 84.6347% | 2,966 |
| Total domestic deposits to total assets | 77.3214% | 6,327 |
| Equity capital to assets | 10.8908% | 3,247 |
| Core capital (leverage) ratio | 10.3951% | 2,992 |
| Tier 1 risk-based capital ratio | 14.3636% | 4,082 |
| Total risk-based capital ratio | 15.6157% | 4,042 |
| Memoranda: | ||
| Average total assets | $128,762,250 | 4,223 |
| Average earning assets | $112,180,250 | 4,354 |
| Average equity | $12,770,250 | 4,391 |
| Average total loans | $73,272,500 | 4,409 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1082% | 2,638 |
| Cost of funding earning assets | 1.5326% | 886 |
| Net interest margin | 3.5755% | 4,808 |
| Noninterest income to average assets | 0.5431% | 3,529 |
| Noninterest expense to average assets | 2.8450% | 4,248 |
| Loan and lease loss provision to assets | 1.1140% | 726 |
| Net operating income to assets | -0.2893% | 6,549 |
| Return on assets (ROA) | -0.1569% | 6,466 |
| Pretax return on assets | -0.1569% | 6,420 |
| Return on Equity (ROE) | -1.6339% | 6,477 |
| Retained earnings to average equity (ytd only) | -1.6339% | 6,184 |
| Net charge-offs to loans | 2.6747% | 415 |
| Credit loss provision to net charge-offs | 73.2794% | 3,969 |
| Earnings coverage of net charge-offs (x) | 0.5425% | 4,898 |
| Efficiency ratio | 77.5262% | 2,785 |
| Assets per employee ($millions) | 4.8760% | 2,287 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7560% | 3,134 |
| Loan loss allowance to noncurrent loans | 70.1891% | 3,941 |
| Noncurrent assets plus other real estate owned to assets | 3.3650% | 1,965 |
| Noncurrent loans to loans | 2.5018% | 2,887 |
| Net loans and leases to total assets | 55.6943% | 5,038 |
| Net loans and leases to deposits | 76.3897% | 3,397 |
| Net loans and leases to core deposits | 89.7623% | 2,406 |
| Total domestic deposits to total assets | 72.9081% | 6,936 |
| Equity capital to assets | 10.1707% | 3,917 |
| Core capital (leverage) ratio | 9.8841% | 3,405 |
| Tier 1 risk-based capital ratio | 13.5028% | 4,522 |
| Total risk-based capital ratio | 14.7545% | 4,503 |
| Memoranda: | ||
| Average total assets | $129,984,330 | 4,232 |
| Average earning assets | $113,661,000 | 4,344 |
| Average equity | $12,485,670 | 4,436 |
| Average total loans | $73,877,670 | 4,432 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9815% | 3,189 |
| Cost of funding earning assets | 1.5604% | 948 |
| Net interest margin | 3.4211% | 5,346 |
| Noninterest income to average assets | 0.5320% | 3,633 |
| Noninterest expense to average assets | 2.6720% | 4,956 |
| Loan and lease loss provision to assets | 0.5867% | 1,471 |
| Net operating income to assets | 0.2857% | 5,480 |
| Return on assets (ROA) | 0.4772% | 4,667 |
| Pretax return on assets | 0.4772% | 5,096 |
| Return on Equity (ROE) | 5.1134% | 4,333 |
| Retained earnings to average equity (ytd only) | 5.1134% | 3,109 |
| Net charge-offs to loans | 1.1164% | 1,243 |
| Credit loss provision to net charge-offs | 92.3445% | 2,896 |
| Earnings coverage of net charge-offs (x) | 1.3732% | 3,662 |
| Efficiency ratio | 75.3859% | 3,266 |
| Assets per employee ($millions) | 5.2476% | 1,827 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0307% | 2,327 |
| Loan loss allowance to noncurrent loans | 42.4276% | 5,468 |
| Noncurrent assets plus other real estate owned to assets | 3.6748% | 1,844 |
| Noncurrent loans to loans | 4.7864% | 1,429 |
| Net loans and leases to total assets | 55.5279% | 5,071 |
| Net loans and leases to deposits | 76.7117% | 3,296 |
| Net loans and leases to core deposits | 90.8487% | 2,255 |
| Total domestic deposits to total assets | 72.3851% | 7,052 |
| Equity capital to assets | 9.5076% | 4,425 |
| Core capital (leverage) ratio | 9.8632% | 3,323 |
| Tier 1 risk-based capital ratio | 13.5761% | 4,372 |
| Total risk-based capital ratio | 14.8303% | 4,339 |
| Memoranda: | ||
| Average total assets | $131,588,500 | 4,222 |
| Average earning assets | $115,868,000 | 4,301 |
| Average equity | $12,281,500 | 4,490 |
| Average total loans | $74,882,000 | 4,427 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2670% | 3,287 |
| Cost of funding earning assets | 1.8684% | 947 |
| Net interest margin | 3.3987% | 5,638 |
| Noninterest income to average assets | 0.5335% | 3,930 |
| Noninterest expense to average assets | 2.5292% | 5,688 |
| Loan and lease loss provision to assets | 1.2226% | 1,281 |
| Net operating income to assets | -0.2183% | 6,134 |
| Return on assets (ROA) | 0.0969% | 5,736 |
| Pretax return on assets | 0.0969% | 5,703 |
| Return on Equity (ROE) | 0.9801% | 5,701 |
| Retained earnings to average equity (ytd only) | 0.9801% | 5,053 |
| Net charge-offs to loans | 1.5260% | 1,436 |
| Credit loss provision to net charge-offs | 140.5263% | 2,687 |
| Earnings coverage of net charge-offs (x) | 1.1544% | 4,954 |
| Efficiency ratio | 71.5767% | 3,874 |
| Assets per employee ($millions) | 5.4995% | 1,575 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0237% | 2,243 |
| Loan loss allowance to noncurrent loans | 30.0039% | 6,290 |
| Noncurrent assets plus other real estate owned to assets | 3.8534% | 1,779 |
| Noncurrent loans to loans | 6.7447% | 859 |
| Net loans and leases to total assets | 55.9760% | 5,350 |
| Net loans and leases to deposits | 82.4454% | 2,721 |
| Net loans and leases to core deposits | 101.4417% | 1,498 |
| Total domestic deposits to total assets | 67.8946% | 7,327 |
| Equity capital to assets | 9.1600% | 4,901 |
| Core capital (leverage) ratio | 9.5636% | 3,616 |
| Tier 1 risk-based capital ratio | 13.3447% | 4,336 |
| Total risk-based capital ratio | 14.5991% | 4,291 |
| Memoranda: | ||
| Average total assets | $131,031,800 | 4,238 |
| Average earning assets | $115,663,200 | 4,326 |
| Average equity | $12,957,600 | 4,371 |
| Average total loans | $74,703,800 | 4,497 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3901% | 2,930 |
| Cost of funding earning assets | 1.8984% | 1,035 |
| Net interest margin | 3.4916% | 5,327 |
| Noninterest income to average assets | 0.5566% | 3,738 |
| Noninterest expense to average assets | 2.5903% | 5,365 |
| Loan and lease loss provision to assets | 1.1733% | 1,223 |
| Net operating income to assets | -0.1284% | 6,216 |
| Return on assets (ROA) | 0.2926% | 5,367 |
| Pretax return on assets | 0.2926% | 5,535 |
| Return on Equity (ROE) | 2.9046% | 5,260 |
| Retained earnings to average equity (ytd only) | 2.9046% | 4,390 |
| Net charge-offs to loans | 1.9214% | 992 |
| Credit loss provision to net charge-offs | 107.1695% | 3,981 |
| Earnings coverage of net charge-offs (x) | 0.9544% | 5,106 |
| Efficiency ratio | 71.2563% | 3,840 |
| Assets per employee ($millions) | 5.2903% | 1,834 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6314% | 3,402 |
| Loan loss allowance to noncurrent loans | 28.0482% | 6,445 |
| Noncurrent assets plus other real estate owned to assets | 3.0758% | 2,355 |
| Noncurrent loans to loans | 5.8164% | 1,111 |
| Net loans and leases to total assets | 52.0192% | 6,100 |
| Net loans and leases to deposits | 72.2914% | 4,794 |
| Net loans and leases to core deposits | 88.9658% | 3,244 |
| Total domestic deposits to total assets | 71.9576% | 7,136 |
| Equity capital to assets | 10.2097% | 3,866 |
| Core capital (leverage) ratio | 9.7070% | 3,612 |
| Tier 1 risk-based capital ratio | 14.1544% | 3,720 |
| Total risk-based capital ratio | 15.4044% | 3,691 |
| Memoranda: | ||
| Average total assets | $130,793,000 | 4,308 |
| Average earning assets | $115,320,500 | 4,395 |
| Average equity | $13,174,500 | 4,401 |
| Average total loans | $74,528,000 | 4,582 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4307% | 2,836 |
| Cost of funding earning assets | 1.9242% | 1,136 |
| Net interest margin | 3.5065% | 5,220 |
| Noninterest income to average assets | 0.5679% | 3,562 |
| Noninterest expense to average assets | 2.6707% | 5,032 |
| Loan and lease loss provision to assets | 1.5410% | 851 |
| Net operating income to assets | -0.5587% | 6,706 |
| Return on assets (ROA) | -0.3515% | 6,566 |
| Pretax return on assets | -0.3515% | 6,472 |
| Return on Equity (ROE) | -3.5055% | 6,567 |
| Retained earnings to average equity (ytd only) | -3.5055% | 6,369 |
| Net charge-offs to loans | 2.6717% | 618 |
| Credit loss provision to net charge-offs | 98.8189% | 4,155 |
| Earnings coverage of net charge-offs (x) | 0.6299% | 5,109 |
| Efficiency ratio | 73.1092% | 3,639 |
| Assets per employee ($millions) | 5.0487% | 2,125 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4194% | 4,339 |
| Loan loss allowance to noncurrent loans | 34.0233% | 6,103 |
| Noncurrent assets plus other real estate owned to assets | 2.3555% | 3,070 |
| Noncurrent loans to loans | 4.1717% | 1,786 |
| Net loans and leases to total assets | 55.6625% | 5,757 |
| Net loans and leases to deposits | 77.1723% | 4,131 |
| Net loans and leases to core deposits | 93.8091% | 2,744 |
| Total domestic deposits to total assets | 72.1276% | 7,174 |
| Equity capital to assets | 9.9790% | 4,053 |
| Core capital (leverage) ratio | 9.5657% | 3,721 |
| Tier 1 risk-based capital ratio | 13.0497% | 4,399 |
| Total risk-based capital ratio | 14.1646% | 4,472 |
| Memoranda: | ||
| Average total assets | $130,305,000 | 4,345 |
| Average earning assets | $114,645,330 | 4,441 |
| Average equity | $13,065,000 | 4,421 |
| Average total loans | $76,057,330 | 4,568 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5575% | 2,336 |
| Cost of funding earning assets | 1.9590% | 1,215 |
| Net interest margin | 3.5985% | 4,736 |
| Noninterest income to average assets | 0.5946% | 3,311 |
| Noninterest expense to average assets | 2.6805% | 4,998 |
| Loan and lease loss provision to assets | 0.8473% | 1,499 |
| Net operating income to assets | 0.2249% | 5,600 |
| Return on assets (ROA) | 0.4591% | 4,699 |
| Pretax return on assets | 0.4591% | 5,089 |
| Return on Equity (ROE) | 4.5677% | 4,615 |
| Retained earnings to average equity (ytd only) | 4.5677% | 3,411 |
| Net charge-offs to loans | 0.9036% | 1,767 |
| Credit loss provision to net charge-offs | 158.0460% | 2,271 |
| Earnings coverage of net charge-offs (x) | 2.0000% | 3,540 |
| Efficiency ratio | 71.4286% | 4,039 |
| Assets per employee ($millions) | 4.7610% | 2,557 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5669% | 3,593 |
| Loan loss allowance to noncurrent loans | 32.3162% | 6,257 |
| Noncurrent assets plus other real estate owned to assets | 2.8044% | 2,594 |
| Noncurrent loans to loans | 4.8487% | 1,511 |
| Net loans and leases to total assets | 56.9320% | 5,620 |
| Net loans and leases to deposits | 79.5541% | 3,737 |
| Net loans and leases to core deposits | 95.2558% | 2,671 |
| Total domestic deposits to total assets | 71.5639% | 7,307 |
| Equity capital to assets | 10.2055% | 3,599 |
| Core capital (leverage) ratio | 9.9441% | 3,235 |
| Tier 1 risk-based capital ratio | 13.7006% | 3,863 |
| Total risk-based capital ratio | 14.9507% | 3,821 |
| Memoranda: | ||
| Average total assets | $129,824,500 | 4,417 |
| Average earning assets | $113,937,000 | 4,519 |
| Average equity | $13,048,000 | 4,462 |
| Average total loans | $77,027,000 | 4,605 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0372% | 1,724 |
| Cost of funding earning assets | 2.3872% | 1,343 |
| Net interest margin | 3.6500% | 4,352 |
| Noninterest income to average assets | 0.5855% | 3,747 |
| Noninterest expense to average assets | 2.5913% | 5,827 |
| Loan and lease loss provision to assets | 1.3162% | 1,749 |
| Net operating income to assets | -0.0790% | 5,638 |
| Return on assets (ROA) | 0.1048% | 5,246 |
| Pretax return on assets | 0.1188% | 5,175 |
| Return on Equity (ROE) | 1.0877% | 5,208 |
| Retained earnings to average equity (ytd only) | -0.5801% | 5,132 |
| Net charge-offs to loans | 1.8558% | 1,344 |
| Credit loss provision to net charge-offs | 118.0362% | 4,586 |
| Earnings coverage of net charge-offs (x) | 1.0996% | 5,010 |
| Efficiency ratio | 67.8804% | 5,023 |
| Assets per employee ($millions) | 5.0423% | 2,165 |
| Cash dividends to net income (ytd only)* | 153.3333% | 278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3349% | 4,568 |
| Loan loss allowance to noncurrent loans | 44.1128% | 5,469 |
| Noncurrent assets plus other real estate owned to assets | 1.8688% | 3,573 |
| Noncurrent loans to loans | 3.0262% | 2,551 |
| Net loans and leases to total assets | 59.9843% | 5,337 |
| Net loans and leases to deposits | 89.6857% | 2,267 |
| Net loans and leases to core deposits | 104.7291% | 3,485 |
| Total domestic deposits to total assets | 66.8828% | 7,608 |
| Equity capital to assets | 9.8985% | 3,896 |
| Core capital (leverage) ratio | 9.8161% | 3,307 |
| Tier 1 risk-based capital ratio | 12.7676% | 4,310 |
| Total risk-based capital ratio | 13.8506% | 4,389 |
| Memoranda: | ||
| Average total assets | $128,775,400 | 4,362 |
| Average earning assets | $114,026,400 | 4,450 |
| Average equity | $12,411,400 | 4,653 |
| Average total loans | $77,379,800 | 4,608 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0793% | 1,722 |
| Cost of funding earning assets | 2.4437% | 1,475 |
| Net interest margin | 3.6357% | 4,348 |
| Noninterest income to average assets | 0.5970% | 3,737 |
| Noninterest expense to average assets | 2.5014% | 6,064 |
| Loan and lease loss provision to assets | 1.1077% | 1,766 |
| Net operating income to assets | 0.2071% | 5,126 |
| Return on assets (ROA) | 0.4701% | 4,218 |
| Pretax return on assets | 0.5003% | 4,519 |
| Return on Equity (ROE) | 4.9116% | 4,004 |
| Retained earnings to average equity (ytd only) | 2.6623% | 3,840 |
| Net charge-offs to loans | 2.1371% | 905 |
| Credit loss provision to net charge-offs | 86.5150% | 5,578 |
| Earnings coverage of net charge-offs (x) | 1.0374% | 5,017 |
| Efficiency ratio | 65.3178% | 5,495 |
| Assets per employee ($millions) | 4.7040% | 2,553 |
| Cash dividends to net income (ytd only)* | 45.7961% | 2,208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8176% | 7,066 |
| Loan loss allowance to noncurrent loans | 25.6627% | 6,746 |
| Noncurrent assets plus other real estate owned to assets | 1.9904% | 3,360 |
| Noncurrent loans to loans | 3.1858% | 2,371 |
| Net loans and leases to total assets | 61.0360% | 5,419 |
| Net loans and leases to deposits | 87.3425% | 3,083 |
| Net loans and leases to core deposits | 102.4015% | 4,116 |
| Total domestic deposits to total assets | 69.8812% | 7,425 |
| Equity capital to assets | 10.5325% | 3,475 |
| Core capital (leverage) ratio | 10.1220% | 3,148 |
| Tier 1 risk-based capital ratio | 13.4698% | 3,871 |
| Total risk-based capital ratio | 14.1391% | 4,205 |
| Memoranda: | ||
| Average total assets | $128,194,000 | 4,403 |
| Average earning assets | $113,979,250 | 4,481 |
| Average equity | $12,270,000 | 4,726 |
| Average total loans | $76,798,750 | 4,666 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1026% | 1,781 |
| Cost of funding earning assets | 2.5193% | 1,546 |
| Net interest margin | 3.5833% | 4,437 |
| Noninterest income to average assets | 0.6144% | 3,571 |
| Noninterest expense to average assets | 2.4792% | 6,183 |
| Loan and lease loss provision to assets | 1.1043% | 1,554 |
| Net operating income to assets | 0.2072% | 5,239 |
| Return on assets (ROA) | 0.5381% | 4,051 |
| Pretax return on assets | 0.5693% | 4,412 |
| Return on Equity (ROE) | 5.8146% | 3,741 |
| Retained earnings to average equity (ytd only) | 2.3359% | 4,035 |
| Net charge-offs to loans | 2.4337% | 724 |
| Credit loss provision to net charge-offs | 76.4263% | 5,293 |
| Earnings coverage of net charge-offs (x) | 0.9171% | 4,848 |
| Efficiency ratio | 65.1676% | 5,685 |
| Assets per employee ($millions) | 5.0207% | 2,051 |
| Cash dividends to net income (ytd only)* | 59.8266% | 1,687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7712% | 7,249 |
| Loan loss allowance to noncurrent loans | 20.4967% | 7,101 |
| Noncurrent assets plus other real estate owned to assets | 2.3176% | 2,807 |
| Noncurrent loans to loans | 3.7626% | 1,831 |
| Net loans and leases to total assets | 60.0695% | 5,666 |
| Net loans and leases to deposits | 86.6076% | 3,439 |
| Net loans and leases to core deposits | 101.0846% | 4,393 |
| Total domestic deposits to total assets | 69.3582% | 7,522 |
| Equity capital to assets | 9.5516% | 4,547 |
| Core capital (leverage) ratio | 9.5359% | 3,831 |
| Tier 1 risk-based capital ratio | 12.7771% | 4,301 |
| Total risk-based capital ratio | 13.4015% | 4,705 |
| Memoranda: | ||
| Average total assets | $128,589,670 | 4,423 |
| Average earning assets | $114,476,330 | 4,505 |
| Average equity | $11,901,000 | 4,841 |
| Average total loans | $76,345,330 | 4,723 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1885% | 1,638 |
| Cost of funding earning assets | 2.5265% | 1,815 |
| Net interest margin | 3.6620% | 4,052 |
| Noninterest income to average assets | 0.6332% | 3,326 |
| Noninterest expense to average assets | 2.4038% | 6,185 |
| Loan and lease loss provision to assets | 0.9376% | 1,384 |
| Net operating income to assets | 0.5361% | 4,271 |
| Return on assets (ROA) | 0.9744% | 2,547 |
| Pretax return on assets | 1.0052% | 3,328 |
| Return on Equity (ROE) | 10.6941% | 2,070 |
| Retained earnings to average equity (ytd only) | 10.6941% | 1,037 |
| Net charge-offs to loans | 1.5524% | 932 |
| Credit loss provision to net charge-offs | 102.6936% | 3,653 |
| Earnings coverage of net charge-offs (x) | 1.6330% | 3,916 |
| Efficiency ratio | 61.7206% | 6,109 |
| Assets per employee ($millions) | 5.2376% | 1,810 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0899% | 5,545 |
| Loan loss allowance to noncurrent loans | 38.2588% | 5,995 |
| Noncurrent assets plus other real estate owned to assets | 1.7303% | 3,319 |
| Noncurrent loans to loans | 2.8488% | 2,295 |
| Net loans and leases to total assets | 58.6936% | 5,845 |
| Net loans and leases to deposits | 85.8165% | 3,664 |
| Net loans and leases to core deposits | 100.7965% | 4,459 |
| Total domestic deposits to total assets | 68.3943% | 7,566 |
| Equity capital to assets | 9.6395% | 4,467 |
| Core capital (leverage) ratio | 9.3214% | 4,214 |
| Tier 1 risk-based capital ratio | 12.8134% | 4,314 |
| Total risk-based capital ratio | 13.6695% | 4,522 |
| Memoranda: | ||
| Average total assets | $130,125,500 | 4,405 |
| Average earning assets | $115,892,000 | 4,481 |
| Average equity | $11,857,000 | 4,876 |
| Average total loans | $76,526,000 | 4,749 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5865% | 2,547 |
| Cost of funding earning assets | 3.0422% | 1,708 |
| Net interest margin | 3.5443% | 5,128 |
| Noninterest income to average assets | 0.6026% | 3,829 |
| Noninterest expense to average assets | 2.4424% | 6,246 |
| Loan and lease loss provision to assets | 0.5276% | 2,705 |
| Net operating income to assets | 0.7740% | 3,555 |
| Return on assets (ROA) | 0.7740% | 3,393 |
| Pretax return on assets | 0.8037% | 4,057 |
| Return on Equity (ROE) | 8.2890% | 2,947 |
| Retained earnings to average equity (ytd only) | 3.7782% | 2,780 |
| Net charge-offs to loans | 0.9052% | 1,369 |
| Credit loss provision to net charge-offs | 98.6133% | 5,428 |
| Earnings coverage of net charge-offs (x) | 2.4884% | 4,828 |
| Efficiency ratio | 64.7226% | 5,390 |
| Assets per employee ($millions) | 5.6062% | 1,386 |
| Cash dividends to net income (ytd only)* | 54.4196% | 2,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0260% | 5,807 |
| Loan loss allowance to noncurrent loans | 39.1537% | 6,106 |
| Noncurrent assets plus other real estate owned to assets | 1.5281% | 3,163 |
| Noncurrent loans to loans | 2.6204% | 2,068 |
| Net loans and leases to total assets | 57.7150% | 6,245 |
| Net loans and leases to deposits | 94.5893% | 2,676 |
| Net loans and leases to core deposits | 110.1864% | 3,763 |
| Total domestic deposits to total assets | 61.0164% | 7,929 |
| Equity capital to assets | 8.6192% | 5,900 |
| Core capital (leverage) ratio | 9.3854% | 4,177 |
| Tier 1 risk-based capital ratio | 11.8987% | 4,903 |
| Total risk-based capital ratio | 12.7070% | 5,178 |
| Memoranda: | ||
| Average total assets | $121,314,400 | 4,486 |
| Average earning assets | $108,539,800 | 4,545 |
| Average equity | $11,328,200 | 5,031 |
| Average total loans | $71,698,800 | 4,803 |