Home > International Bank of Commerce > Performance and Condition Ratios
International Bank of Commerce, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2509% | 1,572 |
| Cost of funding earning assets | 0.9908% | 3,319 |
| Net interest margin | 4.2601% | 858 |
| Noninterest income to average assets | 1.4400% | 406 |
| Noninterest expense to average assets | 1.6130% | 4,238 |
| Loan and lease loss provision to assets | 0.1200% | 1,068 |
| Net operating income to assets | 2.9333% | 172 |
| Return on assets (ROA) | 2.9333% | 171 |
| Pretax return on assets | 3.7125% | 133 |
| Return on Equity (ROE) | 43.8200% | 70 |
| Retained earnings to average equity (ytd only) | 43.8218% | 21 |
| Net charge-offs to loans | 0.1840% | 587 |
| Credit loss provision to net charge-offs | 193.9134% | 1,245 |
| Earnings coverage of net charge-offs (x) | 63.9438% | 1,152 |
| Efficiency ratio | 29.6422% | 4,495 |
| Assets per employee ($millions) | 8.5174% | 1,175 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7380% | 607 |
| Loan loss allowance to noncurrent loans | 4,972.4062% | 246 |
| Noncurrent assets plus other real estate owned to assets | 0.4304% | 1,291 |
| Noncurrent loans to loans | 0.0350% | 3,486 |
| Net loans and leases to total assets | 32.5000% | 4,244 |
| Net loans and leases to deposits | 36.2525% | 4,270 |
| Net loans and leases to core deposits | 42.3127% | 4,244 |
| Total domestic deposits to total assets | 89.6600% | 855 |
| Equity capital to assets | 8.6946% | 2,907 |
| Core capital (leverage) ratio | 11.7933% | 1,516 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.5830% | 351 |
| Memoranda: | ||
| Average total assets | $3,896,499,400 | 325 |
| Average earning assets | $3,657,954,200 | 313 |
| Average equity | $260,822,000 | 441 |
| Average total loans | $1,267,617,400 | 599 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1716% | 1,506 |
| Cost of funding earning assets | 0.8677% | 3,350 |
| Net interest margin | 4.3039% | 801 |
| Noninterest income to average assets | 1.4600% | 401 |
| Noninterest expense to average assets | 1.6501% | 4,189 |
| Loan and lease loss provision to assets | 0.1600% | 736 |
| Net operating income to assets | 2.9014% | 191 |
| Return on assets (ROA) | 2.9014% | 191 |
| Pretax return on assets | 3.6815% | 142 |
| Return on Equity (ROE) | 46.8700% | 81 |
| Retained earnings to average equity (ytd only) | 46.8717% | 37 |
| Net charge-offs to loans | 0.1791% | 486 |
| Credit loss provision to net charge-offs | 280.0354% | 922 |
| Earnings coverage of net charge-offs (x) | 66.2634% | 1,148 |
| Efficiency ratio | 30.0346% | 4,518 |
| Assets per employee ($millions) | 8.4183% | 1,152 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8114% | 557 |
| Loan loss allowance to noncurrent loans | 116,910.0000% | 17 |
| Noncurrent assets plus other real estate owned to assets | 0.4259% | 1,364 |
| Noncurrent loans to loans | 0.0015% | 3,815 |
| Net loans and leases to total assets | 32.7300% | 4,272 |
| Net loans and leases to deposits | 35.8148% | 4,302 |
| Net loans and leases to core deposits | 41.5426% | 4,226 |
| Total domestic deposits to total assets | 91.3900% | 581 |
| Equity capital to assets | 6.7191% | 3,742 |
| Core capital (leverage) ratio | 11.0435% | 1,967 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.1290% | 429 |
| Memoranda: | ||
| Average total assets | $3,891,127,000 | 327 |
| Average earning assets | $3,650,302,500 | 316 |
| Average equity | $240,864,250 | 461 |
| Average total loans | $1,260,512,250 | 600 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0257% | 1,520 |
| Cost of funding earning assets | 0.7442% | 3,366 |
| Net interest margin | 4.2815% | 830 |
| Noninterest income to average assets | 1.3100% | 385 |
| Noninterest expense to average assets | 1.6298% | 4,231 |
| Loan and lease loss provision to assets | 0.1700% | 642 |
| Net operating income to assets | 2.7772% | 180 |
| Return on assets (ROA) | 2.7772% | 179 |
| Pretax return on assets | 3.5254% | 145 |
| Return on Equity (ROE) | 46.1700% | 76 |
| Retained earnings to average equity (ytd only) | 46.1724% | 41 |
| Net charge-offs to loans | 0.1635% | 481 |
| Credit loss provision to net charge-offs | 316.5362% | 839 |
| Earnings coverage of net charge-offs (x) | 70.3845% | 1,113 |
| Efficiency ratio | 30.6282% | 4,541 |
| Assets per employee ($millions) | 8.6097% | 1,042 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7670% | 660 |
| Loan loss allowance to noncurrent loans | 44,207.8431% | 39 |
| Noncurrent assets plus other real estate owned to assets | 0.4246% | 1,259 |
| Noncurrent loans to loans | 0.0040% | 3,795 |
| Net loans and leases to total assets | 32.2100% | 4,279 |
| Net loans and leases to deposits | 35.0183% | 4,316 |
| Net loans and leases to core deposits | 40.2151% | 4,254 |
| Total domestic deposits to total assets | 91.9700% | 417 |
| Equity capital to assets | 6.4446% | 4,013 |
| Core capital (leverage) ratio | 10.3514% | 2,431 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.7388% | 503 |
| Memoranda: | ||
| Average total assets | $3,897,364,000 | 314 |
| Average earning assets | $3,655,593,667 | 304 |
| Average equity | $234,421,667 | 463 |
| Average total loans | $1,250,399,333 | 595 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8748% | 1,458 |
| Cost of funding earning assets | 0.6060% | 3,365 |
| Net interest margin | 4.2688% | 856 |
| Noninterest income to average assets | 1.2900% | 397 |
| Noninterest expense to average assets | 1.6266% | 4,273 |
| Loan and lease loss provision to assets | 0.1400% | 788 |
| Net operating income to assets | 2.7805% | 188 |
| Return on assets (ROA) | 2.7805% | 183 |
| Pretax return on assets | 3.5298% | 138 |
| Return on Equity (ROE) | 47.9400% | 83 |
| Retained earnings to average equity (ytd only) | 47.9360% | 43 |
| Net charge-offs to loans | 0.1564% | 443 |
| Credit loss provision to net charge-offs | 286.1570% | 706 |
| Earnings coverage of net charge-offs (x) | 73.9731% | 927 |
| Efficiency ratio | 30.6990% | 4,603 |
| Assets per employee ($millions) | 8.8411% | 996 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6959% | 817 |
| Loan loss allowance to noncurrent loans | 22,831.1828% | 87 |
| Noncurrent assets plus other real estate owned to assets | 0.4239% | 1,216 |
| Noncurrent loans to loans | 0.0074% | 3,783 |
| Net loans and leases to total assets | 31.5000% | 4,338 |
| Net loans and leases to deposits | 34.1514% | 4,377 |
| Net loans and leases to core deposits | 38.6753% | 4,302 |
| Total domestic deposits to total assets | 92.2300% | 464 |
| Equity capital to assets | 6.3522% | 4,078 |
| Core capital (leverage) ratio | 9.6473% | 3,058 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.4916% | 613 |
| Memoranda: | ||
| Average total assets | $3,900,257,000 | 328 |
| Average earning assets | $3,659,311,500 | 313 |
| Average equity | $226,235,000 | 484 |
| Average total loans | $1,237,627,500 | 610 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0879% | 4,012 |
| Cost of funding earning assets | 0.1842% | 3,877 |
| Net interest margin | 2.9038% | 3,670 |
| Noninterest income to average assets | 1.3300% | 392 |
| Noninterest expense to average assets | 1.6080% | 4,296 |
| Loan and lease loss provision to assets | 0.1100% | 1,145 |
| Net operating income to assets | 1.8537% | 388 |
| Return on assets (ROA) | 1.8537% | 372 |
| Pretax return on assets | 2.3411% | 258 |
| Return on Equity (ROE) | 30.5800% | 114 |
| Retained earnings to average equity (ytd only) | 19.9803% | 92 |
| Net charge-offs to loans | 0.1888% | 433 |
| Credit loss provision to net charge-offs | 196.0874% | 1,137 |
| Earnings coverage of net charge-offs (x) | 43.4081% | 1,453 |
| Efficiency ratio | 39.6072% | 4,545 |
| Assets per employee ($millions) | 8.7281% | 1,003 |
| Cash dividends to net income (ytd only)* | 34.6563% | 2,178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6623% | 854 |
| Loan loss allowance to noncurrent loans | 52,135.8974% | 38 |
| Noncurrent assets plus other real estate owned to assets | 0.4242% | 1,213 |
| Noncurrent loans to loans | 0.0032% | 3,860 |
| Net loans and leases to total assets | 30.9000% | 4,367 |
| Net loans and leases to deposits | 33.3128% | 4,406 |
| Net loans and leases to core deposits | 37.1174% | 4,358 |
| Total domestic deposits to total assets | 92.7600% | 455 |
| Equity capital to assets | 5.2467% | 4,305 |
| Core capital (leverage) ratio | 8.9517% | 3,739 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.0478% | 544 |
| Memoranda: | ||
| Average total assets | $3,891,416,000 | 320 |
| Average earning assets | $3,656,441,000 | 311 |
| Average equity | $235,917,800 | 461 |
| Average total loans | $1,164,033,600 | 596 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6781% | 4,305 |
| Cost of funding earning assets | 0.1289% | 4,044 |
| Net interest margin | 2.5493% | 4,168 |
| Noninterest income to average assets | 1.3300% | 416 |
| Noninterest expense to average assets | 1.6444% | 4,249 |
| Loan and lease loss provision to assets | 0.1000% | 1,069 |
| Net operating income to assets | 1.5613% | 721 |
| Return on assets (ROA) | 1.5613% | 700 |
| Pretax return on assets | 1.9834% | 479 |
| Return on Equity (ROE) | 24.9100% | 186 |
| Retained earnings to average equity (ytd only) | 11.2449% | 989 |
| Net charge-offs to loans | 0.1907% | 349 |
| Credit loss provision to net charge-offs | 178.7713% | 1,036 |
| Earnings coverage of net charge-offs (x) | 36.9957% | 1,419 |
| Efficiency ratio | 44.1040% | 4,465 |
| Assets per employee ($millions) | 8.8582% | 945 |
| Cash dividends to net income (ytd only)* | 54.8667% | 1,023 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6351% | 1,005 |
| Loan loss allowance to noncurrent loans | 2,005.8582% | 569 |
| Noncurrent assets plus other real estate owned to assets | 0.4479% | 1,204 |
| Noncurrent loans to loans | 0.0815% | 3,294 |
| Net loans and leases to total assets | 30.1200% | 4,425 |
| Net loans and leases to deposits | 32.1423% | 4,463 |
| Net loans and leases to core deposits | 35.9596% | 4,407 |
| Total domestic deposits to total assets | 93.7200% | 413 |
| Equity capital to assets | 4.7317% | 4,345 |
| Core capital (leverage) ratio | 8.1865% | 4,286 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.8618% | 656 |
| Memoranda: | ||
| Average total assets | $3,891,087,250 | 319 |
| Average earning assets | $3,658,173,250 | 309 |
| Average equity | $243,837,500 | 456 |
| Average total loans | $1,149,242,250 | 596 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3123% | 4,512 |
| Cost of funding earning assets | 0.1017% | 4,174 |
| Net interest margin | 2.2107% | 4,414 |
| Noninterest income to average assets | 1.2897% | 432 |
| Noninterest expense to average assets | 1.5994% | 4,307 |
| Loan and lease loss provision to assets | 0.0489% | 1,702 |
| Net operating income to assets | 1.3598% | 1,002 |
| Return on assets (ROA) | 1.3598% | 979 |
| Pretax return on assets | 1.7251% | 708 |
| Return on Equity (ROE) | 20.0575% | 301 |
| Retained earnings to average equity (ytd only) | 1.0924% | 3,976 |
| Net charge-offs to loans | 0.1654% | 379 |
| Credit loss provision to net charge-offs | 101.2793% | 1,268 |
| Earnings coverage of net charge-offs (x) | 36.7729% | 1,303 |
| Efficiency ratio | 47.4136% | 4,376 |
| Assets per employee ($millions) | 8.6595% | 998 |
| Cash dividends to net income (ytd only)* | 94.5537% | 420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6184% | 1,106 |
| Loan loss allowance to noncurrent loans | 1,875.8230% | 583 |
| Noncurrent assets plus other real estate owned to assets | 0.4382% | 1,297 |
| Noncurrent loans to loans | 0.0863% | 3,345 |
| Net loans and leases to total assets | 27.8243% | 4,521 |
| Net loans and leases to deposits | 30.1597% | 4,542 |
| Net loans and leases to core deposits | 33.7888% | 4,483 |
| Total domestic deposits to total assets | 92.2565% | 743 |
| Equity capital to assets | 5.6051% | 4,330 |
| Core capital (leverage) ratio | 7.8092% | 4,429 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.0352% | 624 |
| Memoranda: | ||
| Average total assets | $3,888,908,667 | 319 |
| Average earning assets | $3,665,390,667 | 311 |
| Average equity | $263,641,667 | 426 |
| Average total loans | $1,134,450,000 | 593 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1461% | 4,557 |
| Cost of funding earning assets | 0.1027% | 4,100 |
| Net interest margin | 2.0434% | 4,485 |
| Noninterest income to average assets | 1.2828% | 434 |
| Noninterest expense to average assets | 1.5255% | 4,392 |
| Loan and lease loss provision to assets | 0.0201% | 1,994 |
| Net operating income to assets | 1.3161% | 966 |
| Return on assets (ROA) | 1.3161% | 953 |
| Pretax return on assets | 1.6635% | 737 |
| Return on Equity (ROE) | 17.8137% | 355 |
| Retained earnings to average equity (ytd only) | 17.8137% | 145 |
| Net charge-offs to loans | 0.1694% | 350 |
| Credit loss provision to net charge-offs | 40.0415% | 1,228 |
| Earnings coverage of net charge-offs (x) | 33.5477% | 1,082 |
| Efficiency ratio | 47.5358% | 4,427 |
| Assets per employee ($millions) | 8.8913% | 956 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6154% | 1,227 |
| Loan loss allowance to noncurrent loans | 1,425.3577% | 692 |
| Noncurrent assets plus other real estate owned to assets | 0.4545% | 1,343 |
| Noncurrent loans to loans | 0.1133% | 3,262 |
| Net loans and leases to total assets | 27.9777% | 4,509 |
| Net loans and leases to deposits | 30.4464% | 4,538 |
| Net loans and leases to core deposits | 34.0909% | 4,478 |
| Total domestic deposits to total assets | 91.8916% | 619 |
| Equity capital to assets | 6.6952% | 4,344 |
| Core capital (leverage) ratio | 8.4471% | 3,910 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.0653% | 554 |
| Memoranda: | ||
| Average total assets | $3,841,689,000 | 327 |
| Average earning assets | $3,621,566,500 | 319 |
| Average equity | $283,826,500 | 415 |
| Average total loans | $1,138,389,000 | 586 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3368% | 4,570 |
| Cost of funding earning assets | 0.0899% | 4,458 |
| Net interest margin | 2.2469% | 4,457 |
| Noninterest income to average assets | 0.8677% | 1,285 |
| Noninterest expense to average assets | 1.1893% | 4,714 |
| Loan and lease loss provision to assets | 0.0659% | 1,747 |
| Net operating income to assets | 1.3713% | 1,371 |
| Return on assets (ROA) | 1.3713% | 1,420 |
| Pretax return on assets | 1.6944% | 1,162 |
| Return on Equity (ROE) | 11.7612% | 1,893 |
| Retained earnings to average equity (ytd only) | 11.7612% | 571 |
| Net charge-offs to loans | 0.0836% | 968 |
| Credit loss provision to net charge-offs | 196.8944% | 1,314 |
| Earnings coverage of net charge-offs (x) | 52.5870% | 1,270 |
| Efficiency ratio | 40.3200% | 4,681 |
| Assets per employee ($millions) | 8.8526% | 964 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5616% | 1,358 |
| Loan loss allowance to noncurrent loans | 3,191.0683% | 374 |
| Noncurrent assets plus other real estate owned to assets | 0.4801% | 1,383 |
| Noncurrent loans to loans | 0.0489% | 3,728 |
| Net loans and leases to total assets | 30.3849% | 4,495 |
| Net loans and leases to deposits | 33.5655% | 4,537 |
| Net loans and leases to core deposits | 37.6322% | 4,469 |
| Total domestic deposits to total assets | 90.5242% | 706 |
| Equity capital to assets | 8.1035% | 4,304 |
| Core capital (leverage) ratio | 20.1686% | 169 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.9640% | 655 |
| Memoranda: | ||
| Average total assets | $1,923,843,400 | 557 |
| Average earning assets | $1,782,545,800 | 549 |
| Average equity | $224,304,400 | 490 |
| Average total loans | $770,107,000 | 818 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0990% | 3,810 |
| Cost of funding earning assets | 0.1217% | 4,339 |
| Net interest margin | 2.9773% | 3,366 |
| Noninterest income to average assets | 1.1233% | 901 |
| Noninterest expense to average assets | 1.5736% | 4,502 |
| Loan and lease loss provision to assets | 0.0406% | 2,187 |
| Net operating income to assets | 1.7917% | 677 |
| Return on assets (ROA) | 1.7917% | 710 |
| Pretax return on assets | 2.2340% | 511 |
| Return on Equity (ROE) | 12.8338% | 1,750 |
| Retained earnings to average equity (ytd only) | 12.8338% | 665 |
| Net charge-offs to loans | 0.0954% | 761 |
| Credit loss provision to net charge-offs | 92.7083% | 1,649 |
| Earnings coverage of net charge-offs (x) | 51.8833% | 1,223 |
| Efficiency ratio | 40.8919% | 4,698 |
| Assets per employee ($millions) | 9.7307% | 702 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7090% | 1,096 |
| Loan loss allowance to noncurrent loans | 7,055.4140% | 181 |
| Noncurrent assets plus other real estate owned to assets | 0.7377% | 999 |
| Noncurrent loans to loans | 0.0242% | 4,023 |
| Net loans and leases to total assets | 41.1761% | 4,135 |
| Net loans and leases to deposits | 49.1578% | 4,057 |
| Net loans and leases to core deposits | 56.1983% | 3,757 |
| Total domestic deposits to total assets | 83.7631% | 3,519 |
| Equity capital to assets | 13.7442% | 793 |
| Core capital (leverage) ratio | 13.6491% | 705 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.1182% | 368 |
| Memoranda: | ||
| Average total assets | $1,459,784,000 | 707 |
| Average earning assets | $1,336,011,000 | 709 |
| Average equity | $203,801,000 | 532 |
| Average total loans | $670,935,000 | 933 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1870% | 3,698 |
| Cost of funding earning assets | 0.1263% | 4,381 |
| Net interest margin | 3.0608% | 3,144 |
| Noninterest income to average assets | 1.0741% | 957 |
| Noninterest expense to average assets | 1.5871% | 4,524 |
| Loan and lease loss provision to assets | -0.0235% | 4,444 |
| Net operating income to assets | 1.8471% | 653 |
| Return on assets (ROA) | 1.8471% | 680 |
| Pretax return on assets | 2.3026% | 476 |
| Return on Equity (ROE) | 13.1570% | 1,661 |
| Retained earnings to average equity (ytd only) | 13.1570% | 689 |
| Net charge-offs to loans | 0.0699% | 931 |
| Credit loss provision to net charge-offs | -70.8861% | 3,015 |
| Earnings coverage of net charge-offs (x) | 68.7890% | 907 |
| Efficiency ratio | 41.0508% | 4,720 |
| Assets per employee ($millions) | 9.3018% | 773 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6169% | 1,234 |
| Loan loss allowance to noncurrent loans | 3,324.5342% | 283 |
| Noncurrent assets plus other real estate owned to assets | 0.7731% | 1,062 |
| Noncurrent loans to loans | 0.0486% | 3,935 |
| Net loans and leases to total assets | 43.4930% | 4,076 |
| Net loans and leases to deposits | 52.0527% | 3,991 |
| Net loans and leases to core deposits | 59.4148% | 3,665 |
| Total domestic deposits to total assets | 83.5557% | 3,557 |
| Equity capital to assets | 13.8443% | 747 |
| Core capital (leverage) ratio | 13.7472% | 667 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.0264% | 377 |
| Memoranda: | ||
| Average total assets | $1,430,649,333 | 716 |
| Average earning assets | $1,305,097,333 | 719 |
| Average equity | $200,851,667 | 535 |
| Average total loans | $678,530,667 | 926 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2516% | 3,569 |
| Cost of funding earning assets | 0.1330% | 4,434 |
| Net interest margin | 3.1186% | 2,932 |
| Noninterest income to average assets | 1.0321% | 1,084 |
| Noninterest expense to average assets | 1.5798% | 4,565 |
| Loan and lease loss provision to assets | -0.0736% | 4,686 |
| Net operating income to assets | 1.9033% | 662 |
| Return on assets (ROA) | 1.9033% | 712 |
| Pretax return on assets | 2.3713% | 542 |
| Return on Equity (ROE) | 13.4567% | 1,555 |
| Retained earnings to average equity (ytd only) | 13.4567% | 825 |
| Net charge-offs to loans | 0.0705% | 851 |
| Credit loss provision to net charge-offs | -212.3967% | 2,985 |
| Earnings coverage of net charge-offs (x) | 66.3306% | 776 |
| Efficiency ratio | 40.7413% | 4,724 |
| Assets per employee ($millions) | 8.5663% | 967 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5911% | 1,319 |
| Loan loss allowance to noncurrent loans | 2,217.3554% | 339 |
| Noncurrent assets plus other real estate owned to assets | 0.8015% | 1,114 |
| Noncurrent loans to loans | 0.0718% | 3,932 |
| Net loans and leases to total assets | 45.3128% | 4,018 |
| Net loans and leases to deposits | 55.2581% | 3,845 |
| Net loans and leases to core deposits | 62.8979% | 3,506 |
| Total domestic deposits to total assets | 82.0021% | 3,895 |
| Equity capital to assets | 13.7018% | 740 |
| Core capital (leverage) ratio | 14.3997% | 582 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.0872% | 352 |
| Memoranda: | ||
| Average total assets | $1,397,180,500 | 724 |
| Average earning assets | $1,274,803,500 | 725 |
| Average equity | $197,612,000 | 535 |
| Average total loans | $686,771,000 | 918 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9478% | 2,886 |
| Cost of funding earning assets | 0.2748% | 4,276 |
| Net interest margin | 3.6730% | 1,899 |
| Noninterest income to average assets | 1.2796% | 696 |
| Noninterest expense to average assets | 1.9269% | 4,273 |
| Loan and lease loss provision to assets | 0.3334% | 1,066 |
| Net operating income to assets | 1.9024% | 319 |
| Return on assets (ROA) | 1.9024% | 341 |
| Pretax return on assets | 2.3262% | 245 |
| Return on Equity (ROE) | 12.2286% | 1,258 |
| Retained earnings to average equity (ytd only) | 2.6195% | 3,542 |
| Net charge-offs to loans | 0.0734% | 1,751 |
| Credit loss provision to net charge-offs | 822.5410% | 883 |
| Earnings coverage of net charge-offs (x) | 65.6230% | 1,016 |
| Efficiency ratio | 42.0128% | 4,833 |
| Assets per employee ($millions) | 7.5114% | 1,271 |
| Cash dividends to net income (ytd only)* | 78.5786% | 680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5894% | 1,327 |
| Loan loss allowance to noncurrent loans | 109.2849% | 3,212 |
| Noncurrent assets plus other real estate owned to assets | 0.8671% | 1,154 |
| Noncurrent loans to loans | 1.4544% | 926 |
| Net loans and leases to total assets | 51.7433% | 3,684 |
| Net loans and leases to deposits | 62.8946% | 3,531 |
| Net loans and leases to core deposits | 72.6730% | 3,022 |
| Total domestic deposits to total assets | 82.2699% | 3,600 |
| Equity capital to assets | 14.6304% | 648 |
| Core capital (leverage) ratio | 14.5543% | 582 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.4258% | 477 |
| Memoranda: | ||
| Average total assets | $1,204,124,600 | 747 |
| Average earning assets | $1,084,075,200 | 764 |
| Average equity | $187,322,400 | 537 |
| Average total loans | $664,939,000 | 906 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1320% | 2,585 |
| Cost of funding earning assets | 0.3125% | 4,259 |
| Net interest margin | 3.8195% | 1,565 |
| Noninterest income to average assets | 1.3256% | 618 |
| Noninterest expense to average assets | 2.0595% | 4,027 |
| Loan and lease loss provision to assets | 0.3437% | 1,111 |
| Net operating income to assets | 1.9148% | 357 |
| Return on assets (ROA) | 1.9148% | 392 |
| Pretax return on assets | 2.3489% | 259 |
| Return on Equity (ROE) | 12.1045% | 1,341 |
| Retained earnings to average equity (ytd only) | -0.8315% | 4,596 |
| Net charge-offs to loans | 0.0682% | 1,639 |
| Credit loss provision to net charge-offs | 899.7024% | 904 |
| Earnings coverage of net charge-offs (x) | 70.4881% | 988 |
| Efficiency ratio | 43.3384% | 4,821 |
| Assets per employee ($millions) | 6.9819% | 1,514 |
| Cash dividends to net income (ytd only)* | 106.8693% | 248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5428% | 1,261 |
| Loan loss allowance to noncurrent loans | 1,495.3421% | 432 |
| Noncurrent assets plus other real estate owned to assets | 0.2679% | 3,098 |
| Noncurrent loans to loans | 0.1032% | 3,952 |
| Net loans and leases to total assets | 51.0309% | 4,028 |
| Net loans and leases to deposits | 62.1102% | 3,925 |
| Net loans and leases to core deposits | 71.5043% | 3,518 |
| Total domestic deposits to total assets | 82.1619% | 3,380 |
| Equity capital to assets | 14.7530% | 689 |
| Core capital (leverage) ratio | 14.5049% | 629 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.7338% | 473 |
| Memoranda: | ||
| Average total assets | $1,172,775,250 | 756 |
| Average earning assets | $1,052,085,250 | 765 |
| Average equity | $185,524,500 | 535 |
| Average total loans | $656,411,250 | 912 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4622% | 2,026 |
| Cost of funding earning assets | 0.3635% | 4,208 |
| Net interest margin | 4.0987% | 1,117 |
| Noninterest income to average assets | 1.1926% | 704 |
| Noninterest expense to average assets | 2.1447% | 3,940 |
| Loan and lease loss provision to assets | 0.4400% | 877 |
| Net operating income to assets | 1.8086% | 489 |
| Return on assets (ROA) | 1.8086% | 539 |
| Pretax return on assets | 2.2567% | 328 |
| Return on Equity (ROE) | 11.1494% | 1,588 |
| Retained earnings to average equity (ytd only) | -8.3957% | 4,889 |
| Net charge-offs to loans | 0.0894% | 1,358 |
| Credit loss provision to net charge-offs | 855.4795% | 875 |
| Earnings coverage of net charge-offs (x) | 52.4315% | 1,068 |
| Efficiency ratio | 44.2989% | 4,800 |
| Assets per employee ($millions) | 5.5143% | 2,626 |
| Cash dividends to net income (ytd only)* | 175.3019% | 142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4033% | 1,570 |
| Loan loss allowance to noncurrent loans | 1,296.8212% | 447 |
| Noncurrent assets plus other real estate owned to assets | 0.2951% | 3,130 |
| Noncurrent loans to loans | 0.1082% | 4,022 |
| Net loans and leases to total assets | 54.9567% | 3,787 |
| Net loans and leases to deposits | 66.9111% | 3,649 |
| Net loans and leases to core deposits | 77.2244% | 3,175 |
| Total domestic deposits to total assets | 82.1340% | 3,331 |
| Equity capital to assets | 14.6796% | 685 |
| Core capital (leverage) ratio | 14.8187% | 605 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.2202% | 558 |
| Memoranda: | ||
| Average total assets | $1,135,475,000 | 767 |
| Average earning assets | $1,010,811,333 | 776 |
| Average equity | $184,190,000 | 538 |
| Average total loans | $653,263,333 | 903 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7132% | 1,675 |
| Cost of funding earning assets | 0.4444% | 4,178 |
| Net interest margin | 4.2688% | 813 |
| Noninterest income to average assets | 1.3715% | 470 |
| Noninterest expense to average assets | 2.3807% | 3,578 |
| Loan and lease loss provision to assets | 0.4559% | 657 |
| Net operating income to assets | 1.8475% | 374 |
| Return on assets (ROA) | 1.8475% | 416 |
| Pretax return on assets | 2.2975% | 235 |
| Return on Equity (ROE) | 10.7934% | 1,473 |
| Retained earnings to average equity (ytd only) | -28.2502% | 5,032 |
| Net charge-offs to loans | 0.1179% | 996 |
| Credit loss provision to net charge-offs | 660.2151% | 750 |
| Earnings coverage of net charge-offs (x) | 39.8710% | 1,031 |
| Efficiency ratio | 46.3697% | 4,819 |
| Assets per employee ($millions) | 4.6948% | 2,998 |
| Cash dividends to net income (ytd only)* | 361.7363% | 95 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3753% | 1,789 |
| Loan loss allowance to noncurrent loans | 983.6944% | 570 |
| Noncurrent assets plus other real estate owned to assets | 0.3445% | 3,060 |
| Noncurrent loans to loans | 0.1398% | 3,968 |
| Net loans and leases to total assets | 57.2915% | 3,729 |
| Net loans and leases to deposits | 71.8831% | 3,437 |
| Net loans and leases to core deposits | 85.3223% | 2,730 |
| Total domestic deposits to total assets | 79.7009% | 3,913 |
| Equity capital to assets | 16.6880% | 482 |
| Core capital (leverage) ratio | 15.9139% | 530 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.5555% | 527 |
| Memoranda: | ||
| Average total assets | $1,077,338,500 | 772 |
| Average earning assets | $949,593,000 | 794 |
| Average equity | $184,409,500 | 537 |
| Average total loans | $631,039,500 | 901 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9055% | 1,737 |
| Cost of funding earning assets | 0.4590% | 4,241 |
| Net interest margin | 4.4465% | 807 |
| Noninterest income to average assets | 1.4360% | 455 |
| Noninterest expense to average assets | 2.3656% | 3,781 |
| Loan and lease loss provision to assets | 0.1922% | 1,066 |
| Net operating income to assets | 2.2484% | 200 |
| Return on assets (ROA) | 2.2484% | 214 |
| Pretax return on assets | 2.8502% | 115 |
| Return on Equity (ROE) | 12.7931% | 1,239 |
| Retained earnings to average equity (ytd only) | 4.1403% | 2,891 |
| Net charge-offs to loans | 0.1398% | 1,393 |
| Credit loss provision to net charge-offs | 247.7941% | 1,098 |
| Earnings coverage of net charge-offs (x) | 39.2267% | 1,330 |
| Efficiency ratio | 43.7432% | 4,987 |
| Assets per employee ($millions) | 4.4786% | 3,256 |
| Cash dividends to net income (ytd only)* | 67.6361% | 1,229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0945% | 2,983 |
| Loan loss allowance to noncurrent loans | 1,658.2339% | 377 |
| Noncurrent assets plus other real estate owned to assets | 0.3035% | 3,218 |
| Noncurrent loans to loans | 0.0660% | 4,276 |
| Net loans and leases to total assets | 58.4133% | 3,731 |
| Net loans and leases to deposits | 73.9714% | 3,357 |
| Net loans and leases to core deposits | 88.0893% | 2,594 |
| Total domestic deposits to total assets | 78.9674% | 4,195 |
| Equity capital to assets | 17.5482% | 408 |
| Core capital (leverage) ratio | 17.4105% | 377 |
| Tier 1 risk-based capital ratio | 22.6997% | 942 |
| Total risk-based capital ratio | 23.5955% | 959 |
| Memoranda: | ||
| Average total assets | $1,052,109,400 | 749 |
| Average earning assets | $939,838,800 | 764 |
| Average equity | $184,912,000 | 504 |
| Average total loans | $583,648,000 | 929 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9613% | 1,647 |
| Cost of funding earning assets | 0.4477% | 4,337 |
| Net interest margin | 4.5136% | 747 |
| Noninterest income to average assets | 1.4151% | 454 |
| Noninterest expense to average assets | 2.3749% | 3,756 |
| Loan and lease loss provision to assets | 0.1769% | 1,040 |
| Net operating income to assets | 2.3098% | 218 |
| Return on assets (ROA) | 2.3098% | 227 |
| Pretax return on assets | 2.9009% | 129 |
| Return on Equity (ROE) | 13.1370% | 1,225 |
| Retained earnings to average equity (ytd only) | 1.5421% | 4,416 |
| Net charge-offs to loans | 0.1343% | 1,192 |
| Credit loss provision to net charge-offs | 241.3913% | 1,125 |
| Earnings coverage of net charge-offs (x) | 42.0086% | 1,327 |
| Efficiency ratio | 43.5552% | 5,030 |
| Assets per employee ($millions) | 4.3972% | 3,343 |
| Cash dividends to net income (ytd only)* | 88.2613% | 471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0487% | 3,293 |
| Loan loss allowance to noncurrent loans | 81.7377% | 3,608 |
| Noncurrent assets plus other real estate owned to assets | 1.0010% | 1,341 |
| Noncurrent loans to loans | 1.2830% | 1,211 |
| Net loans and leases to total assets | 58.6265% | 3,814 |
| Net loans and leases to deposits | 73.9212% | 3,484 |
| Net loans and leases to core deposits | 87.0918% | 2,812 |
| Total domestic deposits to total assets | 79.3094% | 4,117 |
| Equity capital to assets | 17.3937% | 453 |
| Core capital (leverage) ratio | 16.4237% | 507 |
| Tier 1 risk-based capital ratio | 22.7199% | 981 |
| Total risk-based capital ratio | 23.5908% | 1,000 |
| Memoranda: | ||
| Average total assets | $1,046,418,250 | 754 |
| Average earning assets | $936,056,000 | 768 |
| Average equity | $183,984,750 | 506 |
| Average total loans | $570,855,750 | 953 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8739% | 1,837 |
| Cost of funding earning assets | 0.4355% | 4,370 |
| Net interest margin | 4.4384% | 875 |
| Noninterest income to average assets | 1.3609% | 475 |
| Noninterest expense to average assets | 2.3652% | 3,830 |
| Loan and lease loss provision to assets | 0.1140% | 1,646 |
| Net operating income to assets | 2.2788% | 226 |
| Return on assets (ROA) | 2.2788% | 235 |
| Pretax return on assets | 2.8609% | 146 |
| Return on Equity (ROE) | 12.9139% | 1,270 |
| Retained earnings to average equity (ytd only) | 12.9139% | 309 |
| Net charge-offs to loans | 0.1154% | 1,276 |
| Credit loss provision to net charge-offs | 186.5204% | 1,283 |
| Earnings coverage of net charge-offs (x) | 48.6552% | 1,112 |
| Efficiency ratio | 44.2913% | 5,057 |
| Assets per employee ($millions) | 4.4243% | 3,250 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0235% | 3,487 |
| Loan loss allowance to noncurrent loans | 73.4024% | 3,774 |
| Noncurrent assets plus other real estate owned to assets | 0.9099% | 1,531 |
| Noncurrent loans to loans | 1.3944% | 1,111 |
| Net loans and leases to total assets | 54.5879% | 4,176 |
| Net loans and leases to deposits | 69.3627% | 3,893 |
| Net loans and leases to core deposits | 81.5278% | 3,297 |
| Total domestic deposits to total assets | 78.6993% | 4,277 |
| Equity capital to assets | 18.0088% | 380 |
| Core capital (leverage) ratio | 17.9834% | 344 |
| Tier 1 risk-based capital ratio | 23.6381% | 881 |
| Total risk-based capital ratio | 24.4444% | 901 |
| Memoranda: | ||
| Average total assets | $1,043,452,000 | 751 |
| Average earning assets | $935,512,330 | 765 |
| Average equity | $184,126,670 | 506 |
| Average total loans | $552,723,670 | 972 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9222% | 1,539 |
| Cost of funding earning assets | 0.4296% | 4,362 |
| Net interest margin | 4.4926% | 755 |
| Noninterest income to average assets | 1.4081% | 433 |
| Noninterest expense to average assets | 2.3410% | 3,922 |
| Loan and lease loss provision to assets | 0.0229% | 3,137 |
| Net operating income to assets | 2.4557% | 175 |
| Return on assets (ROA) | 2.4557% | 184 |
| Pretax return on assets | 3.0816% | 118 |
| Return on Equity (ROE) | 14.0659% | 956 |
| Retained earnings to average equity (ytd only) | 14.0659% | 347 |
| Net charge-offs to loans | 0.1151% | 1,046 |
| Credit loss provision to net charge-offs | 38.3117% | 2,041 |
| Earnings coverage of net charge-offs (x) | 52.0130% | 1,000 |
| Efficiency ratio | 42.9893% | 5,131 |
| Assets per employee ($millions) | 4.3649% | 3,388 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0496% | 3,411 |
| Loan loss allowance to noncurrent loans | 72.1052% | 3,841 |
| Noncurrent assets plus other real estate owned to assets | 0.9016% | 1,557 |
| Noncurrent loans to loans | 1.4556% | 1,110 |
| Net loans and leases to total assets | 50.8290% | 4,421 |
| Net loans and leases to deposits | 63.7312% | 4,197 |
| Net loans and leases to core deposits | 75.2004% | 3,717 |
| Total domestic deposits to total assets | 79.7552% | 4,212 |
| Equity capital to assets | 17.6025% | 379 |
| Core capital (leverage) ratio | 17.8080% | 348 |
| Tier 1 risk-based capital ratio | 25.5515% | 723 |
| Total risk-based capital ratio | 26.3895% | 733 |
| Memoranda: | ||
| Average total assets | $1,032,050,000 | 762 |
| Average earning assets | $927,477,000 | 776 |
| Average equity | $180,180,000 | 511 |
| Average total loans | $535,052,500 | 1,014 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5752% | 2,212 |
| Cost of funding earning assets | 0.3065% | 4,542 |
| Net interest margin | 4.2688% | 1,228 |
| Noninterest income to average assets | 1.4262% | 447 |
| Noninterest expense to average assets | 2.3215% | 4,073 |
| Loan and lease loss provision to assets | 0.1195% | 1,850 |
| Net operating income to assets | 2.2553% | 230 |
| Return on assets (ROA) | 2.2456% | 229 |
| Pretax return on assets | 2.8109% | 130 |
| Return on Equity (ROE) | 13.0560% | 1,324 |
| Retained earnings to average equity (ytd only) | 7.1641% | 1,596 |
| Net charge-offs to loans | 0.1318% | 1,431 |
| Credit loss provision to net charge-offs | 171.8659% | 1,629 |
| Earnings coverage of net charge-offs (x) | 42.3265% | 1,262 |
| Efficiency ratio | 44.1013% | 5,175 |
| Assets per employee ($millions) | 4.4006% | 3,307 |
| Cash dividends to net income (ytd only)* | 45.1284% | 2,240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0795% | 3,219 |
| Loan loss allowance to noncurrent loans | 69.4186% | 3,934 |
| Noncurrent assets plus other real estate owned to assets | 0.9724% | 1,408 |
| Noncurrent loans to loans | 1.5551% | 960 |
| Net loans and leases to total assets | 51.7688% | 4,420 |
| Net loans and leases to deposits | 64.6518% | 4,212 |
| Net loans and leases to core deposits | 76.1269% | 3,707 |
| Total domestic deposits to total assets | 80.0732% | 4,091 |
| Equity capital to assets | 17.3100% | 394 |
| Core capital (leverage) ratio | 17.2520% | 386 |
| Tier 1 risk-based capital ratio | 24.7324% | 760 |
| Total risk-based capital ratio | 25.5823% | 776 |
| Memoranda: | ||
| Average total assets | $986,771,400 | 779 |
| Average earning assets | $887,166,000 | 794 |
| Average equity | $169,722,400 | 514 |
| Average total loans | $520,517,200 | 1,006 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4390% | 2,508 |
| Cost of funding earning assets | 0.2798% | 4,634 |
| Net interest margin | 4.1592% | 1,470 |
| Noninterest income to average assets | 1.4444% | 453 |
| Noninterest expense to average assets | 2.3429% | 3,989 |
| Loan and lease loss provision to assets | 0.0814% | 2,327 |
| Net operating income to assets | 2.2036% | 264 |
| Return on assets (ROA) | 2.1906% | 265 |
| Pretax return on assets | 2.7452% | 151 |
| Return on Equity (ROE) | 12.7572% | 1,519 |
| Retained earnings to average equity (ytd only) | 4.8285% | 3,332 |
| Net charge-offs to loans | 0.1311% | 1,227 |
| Credit loss provision to net charge-offs | 117.4853% | 2,013 |
| Earnings coverage of net charge-offs (x) | 41.0255% | 1,333 |
| Efficiency ratio | 45.1787% | 5,180 |
| Assets per employee ($millions) | 4.1646% | 3,622 |
| Cash dividends to net income (ytd only)* | 62.1504% | 1,121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9968% | 3,790 |
| Loan loss allowance to noncurrent loans | 62.5102% | 4,159 |
| Noncurrent assets plus other real estate owned to assets | 1.0158% | 1,428 |
| Noncurrent loans to loans | 1.5946% | 995 |
| Net loans and leases to total assets | 53.0553% | 4,417 |
| Net loans and leases to deposits | 65.0498% | 4,270 |
| Net loans and leases to core deposits | 76.0614% | 3,798 |
| Total domestic deposits to total assets | 81.5610% | 3,720 |
| Equity capital to assets | 16.7018% | 443 |
| Core capital (leverage) ratio | 17.1245% | 405 |
| Tier 1 risk-based capital ratio | 24.6006% | 790 |
| Total risk-based capital ratio | 25.4155% | 805 |
| Memoranda: | ||
| Average total assets | $979,331,750 | 781 |
| Average earning assets | $880,984,250 | 801 |
| Average equity | $168,162,750 | 513 |
| Average total loans | $517,649,500 | 1,008 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3276% | 2,672 |
| Cost of funding earning assets | 0.2619% | 4,688 |
| Net interest margin | 4.0657% | 1,652 |
| Noninterest income to average assets | 1.3393% | 538 |
| Noninterest expense to average assets | 2.3084% | 4,125 |
| Loan and lease loss provision to assets | 0.1036% | 1,876 |
| Net operating income to assets | 2.0627% | 328 |
| Return on assets (ROA) | 2.0473% | 338 |
| Pretax return on assets | 2.5655% | 201 |
| Return on Equity (ROE) | 11.8122% | 1,797 |
| Retained earnings to average equity (ytd only) | 11.8122% | 548 |
| Net charge-offs to loans | 0.1051% | 1,307 |
| Credit loss provision to net charge-offs | 187.3606% | 1,362 |
| Earnings coverage of net charge-offs (x) | 48.6022% | 1,146 |
| Efficiency ratio | 46.1975% | 5,200 |
| Assets per employee ($millions) | 4.3407% | 3,364 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0088% | 3,780 |
| Loan loss allowance to noncurrent loans | 58.8267% | 4,243 |
| Noncurrent assets plus other real estate owned to assets | 1.1669% | 1,243 |
| Noncurrent loans to loans | 1.7148% | 929 |
| Net loans and leases to total assets | 53.4484% | 4,378 |
| Net loans and leases to deposits | 65.8673% | 4,172 |
| Net loans and leases to core deposits | 77.4988% | 3,617 |
| Total domestic deposits to total assets | 81.1456% | 3,954 |
| Equity capital to assets | 17.0899% | 395 |
| Core capital (leverage) ratio | 18.0073% | 313 |
| Tier 1 risk-based capital ratio | 25.0042% | 732 |
| Total risk-based capital ratio | 25.8316% | 756 |
| Memoranda: | ||
| Average total assets | $972,606,330 | 785 |
| Average earning assets | $874,979,670 | 809 |
| Average equity | $168,571,670 | 510 |
| Average total loans | $511,655,670 | 1,023 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2903% | 2,560 |
| Cost of funding earning assets | 0.2535% | 4,686 |
| Net interest margin | 4.0368% | 1,604 |
| Noninterest income to average assets | 1.4038% | 472 |
| Noninterest expense to average assets | 2.2663% | 4,261 |
| Loan and lease loss provision to assets | 0.1223% | 1,544 |
| Net operating income to assets | 2.1103% | 286 |
| Return on assets (ROA) | 2.0725% | 316 |
| Pretax return on assets | 2.5946% | 187 |
| Return on Equity (ROE) | 11.8701% | 1,627 |
| Retained earnings to average equity (ytd only) | 11.8701% | 705 |
| Net charge-offs to loans | 0.1041% | 1,161 |
| Credit loss provision to net charge-offs | 226.3566% | 966 |
| Earnings coverage of net charge-offs (x) | 51.1783% | 933 |
| Efficiency ratio | 45.0520% | 5,318 |
| Assets per employee ($millions) | 4.2536% | 3,559 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0639% | 3,579 |
| Loan loss allowance to noncurrent loans | 53.0478% | 4,401 |
| Noncurrent assets plus other real estate owned to assets | 1.2338% | 1,220 |
| Noncurrent loans to loans | 2.0056% | 793 |
| Net loans and leases to total assets | 51.9034% | 4,444 |
| Net loans and leases to deposits | 64.4125% | 4,186 |
| Net loans and leases to core deposits | 76.2155% | 3,654 |
| Total domestic deposits to total assets | 80.5797% | 4,297 |
| Equity capital to assets | 17.3007% | 374 |
| Core capital (leverage) ratio | 17.6136% | 332 |
| Tier 1 risk-based capital ratio | 26.0918% | 678 |
| Total risk-based capital ratio | 26.9652% | 689 |
| Memoranda: | ||
| Average total assets | $955,384,000 | 806 |
| Average earning assets | $858,307,500 | 830 |
| Average equity | $166,805,500 | 520 |
| Average total loans | $495,614,500 | 1,061 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9801% | 3,470 |
| Cost of funding earning assets | 0.2014% | 4,944 |
| Net interest margin | 3.7787% | 2,505 |
| Noninterest income to average assets | 1.5312% | 452 |
| Noninterest expense to average assets | 2.3232% | 4,270 |
| Loan and lease loss provision to assets | 0.0781% | 2,637 |
| Net operating income to assets | 1.7464% | 483 |
| Return on assets (ROA) | 1.7265% | 513 |
| Pretax return on assets | 2.4130% | 212 |
| Return on Equity (ROE) | 10.0622% | 1,857 |
| Retained earnings to average equity (ytd only) | 3.9639% | 2,818 |
| Net charge-offs to loans | 0.1276% | 1,772 |
| Credit loss provision to net charge-offs | 123.5099% | 2,118 |
| Earnings coverage of net charge-offs (x) | 39.8510% | 1,266 |
| Efficiency ratio | 47.9815% | 5,319 |
| Assets per employee ($millions) | 4.2007% | 3,650 |
| Cash dividends to net income (ytd only)* | 60.6061% | 1,724 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0882% | 3,415 |
| Loan loss allowance to noncurrent loans | 52.3743% | 4,437 |
| Noncurrent assets plus other real estate owned to assets | 1.2526% | 1,163 |
| Noncurrent loans to loans | 2.0777% | 724 |
| Net loans and leases to total assets | 50.7144% | 4,610 |
| Net loans and leases to deposits | 62.6968% | 4,391 |
| Net loans and leases to core deposits | 74.5171% | 3,843 |
| Total domestic deposits to total assets | 80.8884% | 4,142 |
| Equity capital to assets | 17.6233% | 345 |
| Core capital (leverage) ratio | 17.1733% | 361 |
| Tier 1 risk-based capital ratio | 25.9393% | 668 |
| Total risk-based capital ratio | 26.8162% | 676 |
| Memoranda: | ||
| Average total assets | $955,665,000 | 774 |
| Average earning assets | $837,299,400 | 819 |
| Average equity | $163,979,600 | 508 |
| Average total loans | $473,474,400 | 1,082 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9059% | 3,663 |
| Cost of funding earning assets | 0.1926% | 5,035 |
| Net interest margin | 3.7132% | 2,704 |
| Noninterest income to average assets | 1.4362% | 521 |
| Noninterest expense to average assets | 2.2402% | 4,447 |
| Loan and lease loss provision to assets | 0.1038% | 2,033 |
| Net operating income to assets | 1.5068% | 881 |
| Return on assets (ROA) | 1.4829% | 947 |
| Pretax return on assets | 2.2894% | 300 |
| Return on Equity (ROE) | 8.7002% | 2,763 |
| Retained earnings to average equity (ytd only) | 0.5463% | 5,097 |
| Net charge-offs to loans | 0.1222% | 1,572 |
| Credit loss provision to net charge-offs | 172.9167% | 1,512 |
| Earnings coverage of net charge-offs (x) | 40.4719% | 1,286 |
| Efficiency ratio | 47.9689% | 5,341 |
| Assets per employee ($millions) | 4.2593% | 3,548 |
| Cash dividends to net income (ytd only)* | 93.7207% | 392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0923% | 3,531 |
| Loan loss allowance to noncurrent loans | 51.2765% | 4,516 |
| Noncurrent assets plus other real estate owned to assets | 1.3472% | 1,182 |
| Noncurrent loans to loans | 2.1303% | 772 |
| Net loans and leases to total assets | 50.5635% | 4,663 |
| Net loans and leases to deposits | 63.0278% | 4,441 |
| Net loans and leases to core deposits | 76.0999% | 3,795 |
| Total domestic deposits to total assets | 80.2241% | 4,274 |
| Equity capital to assets | 16.6709% | 463 |
| Core capital (leverage) ratio | 16.3522% | 455 |
| Tier 1 risk-based capital ratio | 23.5501% | 891 |
| Total risk-based capital ratio | 24.4014% | 916 |
| Memoranda: | ||
| Average total assets | $959,342,500 | 778 |
| Average earning assets | $835,510,750 | 829 |
| Average equity | $163,517,750 | 512 |
| Average total loans | $471,230,500 | 1,085 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8015% | 3,886 |
| Cost of funding earning assets | 0.1872% | 5,089 |
| Net interest margin | 3.6143% | 2,980 |
| Noninterest income to average assets | 1.3713% | 569 |
| Noninterest expense to average assets | 2.2296% | 4,503 |
| Loan and lease loss provision to assets | 0.1143% | 1,796 |
| Net operating income to assets | 1.3995% | 1,070 |
| Return on assets (ROA) | 1.3636% | 1,174 |
| Pretax return on assets | 2.1130% | 430 |
| Return on Equity (ROE) | 7.9411% | 3,065 |
| Retained earnings to average equity (ytd only) | 7.9411% | 1,190 |
| Net charge-offs to loans | 0.1275% | 1,396 |
| Credit loss provision to net charge-offs | 185.0847% | 1,341 |
| Earnings coverage of net charge-offs (x) | 36.9627% | 1,312 |
| Efficiency ratio | 49.4131% | 5,335 |
| Assets per employee ($millions) | 4.3166% | 3,405 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0931% | 3,624 |
| Loan loss allowance to noncurrent loans | 52.9702% | 4,513 |
| Noncurrent assets plus other real estate owned to assets | 1.3411% | 1,205 |
| Noncurrent loans to loans | 2.0635% | 808 |
| Net loans and leases to total assets | 49.7072% | 4,728 |
| Net loans and leases to deposits | 62.3155% | 4,486 |
| Net loans and leases to core deposits | 76.4367% | 3,735 |
| Total domestic deposits to total assets | 79.7671% | 4,467 |
| Equity capital to assets | 17.1836% | 390 |
| Core capital (leverage) ratio | 17.2268% | 352 |
| Tier 1 risk-based capital ratio | 24.7139% | 784 |
| Total risk-based capital ratio | 25.5686% | 799 |
| Memoranda: | ||
| Average total assets | $955,413,330 | 781 |
| Average earning assets | $830,261,670 | 843 |
| Average equity | $164,058,330 | 514 |
| Average total loans | $462,820,670 | 1,106 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6296% | 4,336 |
| Cost of funding earning assets | 0.1826% | 5,133 |
| Net interest margin | 3.4469% | 3,458 |
| Noninterest income to average assets | 1.3642% | 565 |
| Noninterest expense to average assets | 2.1960% | 4,658 |
| Loan and lease loss provision to assets | 0.1197% | 1,597 |
| Net operating income to assets | 1.3136% | 1,207 |
| Return on assets (ROA) | 1.2926% | 1,290 |
| Pretax return on assets | 2.0031% | 500 |
| Return on Equity (ROE) | 7.5307% | 3,153 |
| Retained earnings to average equity (ytd only) | 7.5307% | 1,640 |
| Net charge-offs to loans | 0.1140% | 1,257 |
| Credit loss provision to net charge-offs | 221.0938% | 951 |
| Earnings coverage of net charge-offs (x) | 39.7891% | 1,041 |
| Efficiency ratio | 50.4717% | 5,349 |
| Assets per employee ($millions) | 4.3856% | 3,359 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1456% | 3,439 |
| Loan loss allowance to noncurrent loans | 47.7456% | 4,695 |
| Noncurrent assets plus other real estate owned to assets | 2.1716% | 579 |
| Noncurrent loans to loans | 2.3993% | 676 |
| Net loans and leases to total assets | 47.2865% | 4,873 |
| Net loans and leases to deposits | 59.4179% | 4,604 |
| Net loans and leases to core deposits | 73.9255% | 3,841 |
| Total domestic deposits to total assets | 79.5830% | 4,700 |
| Equity capital to assets | 17.0749% | 381 |
| Core capital (leverage) ratio | 17.2518% | 347 |
| Tier 1 risk-based capital ratio | 25.2272% | 755 |
| Total risk-based capital ratio | 26.1062% | 771 |
| Memoranda: | ||
| Average total assets | $945,345,000 | 794 |
| Average earning assets | $819,164,500 | 852 |
| Average equity | $162,270,000 | 515 |
| Average total loans | $449,092,000 | 1,130 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7656% | 4,007 |
| Cost of funding earning assets | 0.2186% | 4,847 |
| Net interest margin | 3.5469% | 3,262 |
| Noninterest income to average assets | 1.3393% | 637 |
| Noninterest expense to average assets | 2.2241% | 4,716 |
| Loan and lease loss provision to assets | 0.0247% | 3,862 |
| Net operating income to assets | 1.4718% | 882 |
| Return on assets (ROA) | 1.4671% | 914 |
| Pretax return on assets | 2.2099% | 319 |
| Return on Equity (ROE) | 8.8831% | 2,478 |
| Retained earnings to average equity (ytd only) | 2.7318% | 3,958 |
| Net charge-offs to loans | 0.1438% | 1,821 |
| Credit loss provision to net charge-offs | 38.1476% | 3,512 |
| Earnings coverage of net charge-offs (x) | 34.6374% | 1,310 |
| Efficiency ratio | 49.8043% | 5,497 |
| Assets per employee ($millions) | 4.1529% | 3,699 |
| Cash dividends to net income (ytd only)* | 69.2473% | 1,349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1642% | 3,346 |
| Loan loss allowance to noncurrent loans | 47.1784% | 4,729 |
| Noncurrent assets plus other real estate owned to assets | 2.2306% | 581 |
| Noncurrent loans to loans | 2.4676% | 638 |
| Net loans and leases to total assets | 46.6170% | 4,978 |
| Net loans and leases to deposits | 57.8512% | 4,800 |
| Net loans and leases to core deposits | 72.7569% | 4,034 |
| Total domestic deposits to total assets | 80.5808% | 4,435 |
| Equity capital to assets | 17.2583% | 360 |
| Core capital (leverage) ratio | 16.9062% | 365 |
| Tier 1 risk-based capital ratio | 25.6143% | 716 |
| Total risk-based capital ratio | 26.4874% | 736 |
| Memoranda: | ||
| Average total assets | $984,306,200 | 735 |
| Average earning assets | $867,597,600 | 755 |
| Average equity | $162,567,800 | 494 |
| Average total loans | $442,934,000 | 1,103 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7772% | 3,994 |
| Cost of funding earning assets | 0.2261% | 4,824 |
| Net interest margin | 3.5511% | 3,263 |
| Noninterest income to average assets | 1.3301% | 663 |
| Noninterest expense to average assets | 2.2299% | 4,690 |
| Loan and lease loss provision to assets | 0.0434% | 3,362 |
| Net operating income to assets | 1.4737% | 925 |
| Return on assets (ROA) | 1.4676% | 982 |
| Pretax return on assets | 2.1910% | 398 |
| Return on Equity (ROE) | 8.9798% | 2,496 |
| Retained earnings to average equity (ytd only) | 0.8037% | 5,145 |
| Net charge-offs to loans | 0.1375% | 1,609 |
| Credit loss provision to net charge-offs | 70.9607% | 2,773 |
| Earnings coverage of net charge-offs (x) | 36.6617% | 1,307 |
| Efficiency ratio | 49.8462% | 5,514 |
| Assets per employee ($millions) | 4.3334% | 3,361 |
| Cash dividends to net income (ytd only)* | 91.0498% | 519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1965% | 3,260 |
| Loan loss allowance to noncurrent loans | 47.4000% | 4,813 |
| Noncurrent assets plus other real estate owned to assets | 2.1795% | 680 |
| Noncurrent loans to loans | 2.5242% | 693 |
| Net loans and leases to total assets | 45.4732% | 5,122 |
| Net loans and leases to deposits | 60.3675% | 4,731 |
| Net loans and leases to core deposits | 75.9494% | 3,839 |
| Total domestic deposits to total assets | 75.3274% | 5,309 |
| Equity capital to assets | 16.6090% | 473 |
| Core capital (leverage) ratio | 15.7597% | 516 |
| Tier 1 risk-based capital ratio | 26.0232% | 718 |
| Total risk-based capital ratio | 26.9702% | 723 |
| Memoranda: | ||
| Average total assets | $997,822,500 | 727 |
| Average earning assets | $883,267,750 | 745 |
| Average equity | $163,073,750 | 495 |
| Average total loans | $443,978,000 | 1,103 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8090% | 3,924 |
| Cost of funding earning assets | 0.2090% | 5,056 |
| Net interest margin | 3.6000% | 3,098 |
| Noninterest income to average assets | 1.2799% | 698 |
| Noninterest expense to average assets | 2.2110% | 4,818 |
| Loan and lease loss provision to assets | 0.0537% | 3,072 |
| Net operating income to assets | 1.4241% | 1,017 |
| Return on assets (ROA) | 1.4241% | 1,059 |
| Pretax return on assets | 2.2082% | 376 |
| Return on Equity (ROE) | 8.7598% | 2,604 |
| Retained earnings to average equity (ytd only) | 8.7598% | 918 |
| Net charge-offs to loans | 0.1239% | 1,600 |
| Credit loss provision to net charge-offs | 98.5401% | 2,145 |
| Earnings coverage of net charge-offs (x) | 41.5000% | 1,131 |
| Efficiency ratio | 49.4308% | 5,598 |
| Assets per employee ($millions) | 4.3247% | 3,327 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1912% | 3,416 |
| Loan loss allowance to noncurrent loans | 396.9675% | 1,297 |
| Noncurrent assets plus other real estate owned to assets | 1.1809% | 1,767 |
| Noncurrent loans to loans | 0.3001% | 4,296 |
| Net loans and leases to total assets | 45.6487% | 5,150 |
| Net loans and leases to deposits | 62.7405% | 4,591 |
| Net loans and leases to core deposits | 79.7142% | 3,490 |
| Total domestic deposits to total assets | 72.7581% | 5,618 |
| Equity capital to assets | 16.9020% | 445 |
| Core capital (leverage) ratio | 16.0953% | 456 |
| Tier 1 risk-based capital ratio | 26.1220% | 716 |
| Total risk-based capital ratio | 27.0576% | 720 |
| Memoranda: | ||
| Average total assets | $1,005,425,670 | 717 |
| Average earning assets | $891,777,000 | 744 |
| Average equity | $163,451,670 | 494 |
| Average total loans | $442,391,000 | 1,101 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7171% | 4,263 |
| Cost of funding earning assets | 0.2326% | 4,877 |
| Net interest margin | 3.4845% | 3,538 |
| Noninterest income to average assets | 1.2734% | 672 |
| Noninterest expense to average assets | 2.1633% | 4,994 |
| Loan and lease loss provision to assets | -0.0563% | 5,951 |
| Net operating income to assets | 1.4594% | 918 |
| Return on assets (ROA) | 1.4594% | 962 |
| Pretax return on assets | 2.2617% | 336 |
| Return on Equity (ROE) | 9.1570% | 2,337 |
| Retained earnings to average equity (ytd only) | 9.1570% | 1,063 |
| Net charge-offs to loans | 0.0998% | 1,530 |
| Credit loss provision to net charge-offs | -131.4815% | 4,276 |
| Earnings coverage of net charge-offs (x) | 51.4907% | 873 |
| Efficiency ratio | 49.5189% | 5,652 |
| Assets per employee ($millions) | 4.2721% | 3,448 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2199% | 3,361 |
| Loan loss allowance to noncurrent loans | 187.2371% | 2,345 |
| Noncurrent assets plus other real estate owned to assets | 1.3551% | 1,563 |
| Noncurrent loans to loans | 0.6515% | 3,216 |
| Net loans and leases to total assets | 42.9078% | 5,303 |
| Net loans and leases to deposits | 57.6171% | 4,875 |
| Net loans and leases to core deposits | 72.5050% | 4,028 |
| Total domestic deposits to total assets | 74.4705% | 5,569 |
| Equity capital to assets | 16.5813% | 463 |
| Core capital (leverage) ratio | 15.6937% | 509 |
| Tier 1 risk-based capital ratio | 27.3299% | 652 |
| Total risk-based capital ratio | 28.2868% | 653 |
| Memoranda: | ||
| Average total assets | $1,008,633,000 | 714 |
| Average earning assets | $895,978,000 | 738 |
| Average equity | $160,751,000 | 500 |
| Average total loans | $432,819,500 | 1,124 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6476% | 4,532 |
| Cost of funding earning assets | 0.2372% | 4,922 |
| Net interest margin | 3.4104% | 3,871 |
| Noninterest income to average assets | 1.2631% | 747 |
| Noninterest expense to average assets | 2.0058% | 5,445 |
| Loan and lease loss provision to assets | 0.1155% | 2,072 |
| Net operating income to assets | 1.3874% | 1,059 |
| Return on assets (ROA) | 1.3874% | 1,105 |
| Pretax return on assets | 2.1890% | 352 |
| Return on Equity (ROE) | 9.3423% | 2,297 |
| Retained earnings to average equity (ytd only) | 5.4914% | 2,087 |
| Net charge-offs to loans | 0.3297% | 902 |
| Credit loss provision to net charge-offs | 87.1942% | 2,809 |
| Earnings coverage of net charge-offs (x) | 17.3942% | 2,078 |
| Efficiency ratio | 46.5349% | 5,900 |
| Assets per employee ($millions) | 4.1883% | 3,586 |
| Cash dividends to net income (ytd only)* | 41.2201% | 2,785 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2645% | 3,086 |
| Loan loss allowance to noncurrent loans | 191.3739% | 2,333 |
| Noncurrent assets plus other real estate owned to assets | 1.3077% | 1,626 |
| Noncurrent loans to loans | 0.6607% | 3,208 |
| Net loans and leases to total assets | 41.8671% | 5,416 |
| Net loans and leases to deposits | 58.5313% | 4,882 |
| Net loans and leases to core deposits | 74.0525% | 3,937 |
| Total domestic deposits to total assets | 71.5294% | 5,820 |
| Equity capital to assets | 15.3157% | 624 |
| Core capital (leverage) ratio | 15.0256% | 607 |
| Tier 1 risk-based capital ratio | 26.2563% | 729 |
| Total risk-based capital ratio | 27.2395% | 721 |
| Memoranda: | ||
| Average total assets | $1,049,150,800 | 658 |
| Average earning assets | $937,428,800 | 675 |
| Average equity | $155,808,200 | 491 |
| Average total loans | $421,545,400 | 1,084 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6176% | 4,675 |
| Cost of funding earning assets | 0.2423% | 4,968 |
| Net interest margin | 3.3753% | 4,054 |
| Noninterest income to average assets | 1.2716% | 741 |
| Noninterest expense to average assets | 2.0068% | 5,466 |
| Loan and lease loss provision to assets | 0.0790% | 2,593 |
| Net operating income to assets | 1.3860% | 1,139 |
| Return on assets (ROA) | 1.3860% | 1,195 |
| Pretax return on assets | 2.2068% | 405 |
| Return on Equity (ROE) | 9.4043% | 2,348 |
| Retained earnings to average equity (ytd only) | 4.2588% | 3,433 |
| Net charge-offs to loans | 0.2898% | 917 |
| Credit loss provision to net charge-offs | 68.7569% | 2,790 |
| Earnings coverage of net charge-offs (x) | 19.8955% | 1,906 |
| Efficiency ratio | 46.7509% | 5,930 |
| Assets per employee ($millions) | 4.0855% | 3,729 |
| Cash dividends to net income (ytd only)* | 54.7146% | 1,666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2840% | 3,185 |
| Loan loss allowance to noncurrent loans | 189.9331% | 2,361 |
| Noncurrent assets plus other real estate owned to assets | 1.3512% | 1,723 |
| Noncurrent loans to loans | 0.6760% | 3,298 |
| Net loans and leases to total assets | 40.6183% | 5,560 |
| Net loans and leases to deposits | 57.3154% | 5,050 |
| Net loans and leases to core deposits | 72.8343% | 4,113 |
| Total domestic deposits to total assets | 70.8681% | 5,933 |
| Equity capital to assets | 15.3603% | 671 |
| Core capital (leverage) ratio | 14.4857% | 741 |
| Tier 1 risk-based capital ratio | 26.3934% | 736 |
| Total risk-based capital ratio | 27.3883% | 736 |
| Memoranda: | ||
| Average total assets | $1,054,905,250 | 667 |
| Average earning assets | $944,180,500 | 676 |
| Average equity | $155,470,500 | 497 |
| Average total loans | $418,153,250 | 1,096 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6658% | 4,523 |
| Cost of funding earning assets | 0.2460% | 4,984 |
| Net interest margin | 3.4198% | 3,832 |
| Noninterest income to average assets | 1.1577% | 897 |
| Noninterest expense to average assets | 1.9636% | 5,607 |
| Loan and lease loss provision to assets | 0.0032% | 4,024 |
| Net operating income to assets | 1.4736% | 943 |
| Return on assets (ROA) | 1.4736% | 992 |
| Pretax return on assets | 2.2790% | 352 |
| Return on Equity (ROE) | 10.1356% | 2,008 |
| Retained earnings to average equity (ytd only) | 10.1356% | 637 |
| Net charge-offs to loans | 0.3775% | 691 |
| Credit loss provision to net charge-offs | 2.1574% | 3,147 |
| Earnings coverage of net charge-offs (x) | 15.4378% | 1,975 |
| Efficiency ratio | 46.2487% | 6,032 |
| Assets per employee ($millions) | 4.1204% | 3,639 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1679% | 3,986 |
| Loan loss allowance to noncurrent loans | 129.8677% | 3,104 |
| Noncurrent assets plus other real estate owned to assets | 1.3700% | 1,828 |
| Noncurrent loans to loans | 0.8993% | 2,875 |
| Net loans and leases to total assets | 39.3830% | 5,665 |
| Net loans and leases to deposits | 57.2334% | 5,045 |
| Net loans and leases to core deposits | 73.0123% | 4,041 |
| Total domestic deposits to total assets | 68.8112% | 6,084 |
| Equity capital to assets | 14.9708% | 712 |
| Core capital (leverage) ratio | 14.4321% | 728 |
| Tier 1 risk-based capital ratio | 26.3547% | 747 |
| Total risk-based capital ratio | 27.2462% | 767 |
| Memoranda: | ||
| Average total assets | $1,066,080,000 | 665 |
| Average earning assets | $962,686,000 | 668 |
| Average equity | $154,998,330 | 499 |
| Average total loans | $417,449,670 | 1,097 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5516% | 4,821 |
| Cost of funding earning assets | 0.2570% | 4,938 |
| Net interest margin | 3.2946% | 4,242 |
| Noninterest income to average assets | 1.0600% | 1,004 |
| Noninterest expense to average assets | 1.9080% | 5,746 |
| Loan and lease loss provision to assets | 0.0926% | 2,142 |
| Net operating income to assets | 1.3668% | 1,101 |
| Return on assets (ROA) | 1.3668% | 1,163 |
| Pretax return on assets | 2.0647% | 522 |
| Return on Equity (ROE) | 9.5402% | 2,201 |
| Retained earnings to average equity (ytd only) | 9.5402% | 1,032 |
| Net charge-offs to loans | 0.1346% | 1,439 |
| Credit loss provision to net charge-offs | 177.1429% | 1,138 |
| Earnings coverage of net charge-offs (x) | 41.2857% | 955 |
| Efficiency ratio | 46.9335% | 6,070 |
| Assets per employee ($millions) | 4.4487% | 3,137 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3822% | 3,009 |
| Loan loss allowance to noncurrent loans | 90.6216% | 3,907 |
| Noncurrent assets plus other real estate owned to assets | 1.4305% | 1,849 |
| Noncurrent loans to loans | 1.5252% | 1,847 |
| Net loans and leases to total assets | 38.5184% | 5,693 |
| Net loans and leases to deposits | 57.5611% | 4,947 |
| Net loans and leases to core deposits | 73.4436% | 3,832 |
| Total domestic deposits to total assets | 66.9175% | 6,228 |
| Equity capital to assets | 14.6364% | 795 |
| Core capital (leverage) ratio | 13.9438% | 842 |
| Tier 1 risk-based capital ratio | 27.0731% | 708 |
| Total risk-based capital ratio | 28.1668% | 705 |
| Memoranda: | ||
| Average total assets | $1,071,705,500 | 661 |
| Average earning assets | $977,594,500 | 652 |
| Average equity | $153,539,500 | 504 |
| Average total loans | $416,008,500 | 1,102 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6595% | 4,910 |
| Cost of funding earning assets | 0.2154% | 5,622 |
| Net interest margin | 3.4441% | 4,007 |
| Noninterest income to average assets | 1.1684% | 886 |
| Noninterest expense to average assets | 1.9903% | 5,779 |
| Loan and lease loss provision to assets | 0.1338% | 1,957 |
| Net operating income to assets | 1.4368% | 1,007 |
| Return on assets (ROA) | 1.4368% | 1,038 |
| Pretax return on assets | 2.1828% | 328 |
| Return on Equity (ROE) | 10.3336% | 1,973 |
| Retained earnings to average equity (ytd only) | 4.8435% | 2,724 |
| Net charge-offs to loans | 0.2290% | 1,836 |
| Credit loss provision to net charge-offs | 147.2689% | 1,632 |
| Earnings coverage of net charge-offs (x) | 25.4989% | 1,499 |
| Efficiency ratio | 46.2121% | 6,260 |
| Assets per employee ($millions) | 4.6175% | 2,844 |
| Cash dividends to net income (ytd only)* | 53.1283% | 2,099 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3745% | 3,072 |
| Loan loss allowance to noncurrent loans | 74.9736% | 4,361 |
| Noncurrent assets plus other real estate owned to assets | 1.5170% | 1,793 |
| Noncurrent loans to loans | 1.8333% | 1,556 |
| Net loans and leases to total assets | 38.0461% | 5,847 |
| Net loans and leases to deposits | 58.4058% | 5,036 |
| Net loans and leases to core deposits | 74.6295% | 3,858 |
| Total domestic deposits to total assets | 65.1410% | 6,344 |
| Equity capital to assets | 14.0166% | 948 |
| Core capital (leverage) ratio | 13.9593% | 824 |
| Tier 1 risk-based capital ratio | 27.4813% | 647 |
| Total risk-based capital ratio | 28.5959% | 635 |
| Memoranda: | ||
| Average total assets | $1,047,862,200 | 644 |
| Average earning assets | $954,911,800 | 645 |
| Average equity | $145,699,800 | 504 |
| Average total loans | $415,637,600 | 1,058 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6547% | 4,986 |
| Cost of funding earning assets | 0.2162% | 5,707 |
| Net interest margin | 3.4386% | 4,077 |
| Noninterest income to average assets | 1.1872% | 851 |
| Noninterest expense to average assets | 1.9418% | 5,875 |
| Loan and lease loss provision to assets | 0.0988% | 2,391 |
| Net operating income to assets | 1.4986% | 948 |
| Return on assets (ROA) | 1.4986% | 977 |
| Pretax return on assets | 2.2787% | 312 |
| Return on Equity (ROE) | 10.8002% | 1,872 |
| Retained earnings to average equity (ytd only) | 3.4239% | 4,184 |
| Net charge-offs to loans | 0.1797% | 2,013 |
| Credit loss provision to net charge-offs | 137.6114% | 1,701 |
| Earnings coverage of net charge-offs (x) | 33.1213% | 1,286 |
| Efficiency ratio | 44.9566% | 6,329 |
| Assets per employee ($millions) | 4.3859% | 3,153 |
| Cash dividends to net income (ytd only)* | 68.2975% | 1,086 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3436% | 3,427 |
| Loan loss allowance to noncurrent loans | 73.0532% | 4,395 |
| Noncurrent assets plus other real estate owned to assets | 1.6554% | 1,831 |
| Noncurrent loans to loans | 1.8391% | 1,741 |
| Net loans and leases to total assets | 38.1146% | 5,937 |
| Net loans and leases to deposits | 57.9128% | 5,106 |
| Net loans and leases to core deposits | 72.7014% | 4,087 |
| Total domestic deposits to total assets | 65.8138% | 6,408 |
| Equity capital to assets | 13.9317% | 1,032 |
| Core capital (leverage) ratio | 13.6623% | 940 |
| Tier 1 risk-based capital ratio | 27.4592% | 677 |
| Total risk-based capital ratio | 28.5453% | 672 |
| Memoranda: | ||
| Average total assets | $1,042,011,500 | 640 |
| Average earning assets | $949,172,250 | 643 |
| Average equity | $144,586,000 | 509 |
| Average total loans | $416,233,250 | 1,054 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6790% | 4,926 |
| Cost of funding earning assets | 0.2183% | 5,762 |
| Net interest margin | 3.4607% | 3,935 |
| Noninterest income to average assets | 1.1960% | 816 |
| Noninterest expense to average assets | 1.9092% | 5,985 |
| Loan and lease loss provision to assets | 0.0729% | 2,812 |
| Net operating income to assets | 1.5555% | 784 |
| Return on assets (ROA) | 1.5555% | 819 |
| Pretax return on assets | 2.3628% | 270 |
| Return on Equity (ROE) | 11.2254% | 1,654 |
| Retained earnings to average equity (ytd only) | 4.2858% | 3,445 |
| Net charge-offs to loans | 0.1438% | 2,235 |
| Credit loss provision to net charge-offs | 125.4967% | 1,656 |
| Earnings coverage of net charge-offs (x) | 41.9371% | 1,022 |
| Efficiency ratio | 43.9403% | 6,422 |
| Assets per employee ($millions) | 4.3213% | 3,228 |
| Cash dividends to net income (ytd only)* | 61.8200% | 1,452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2732% | 4,010 |
| Loan loss allowance to noncurrent loans | 67.6568% | 4,587 |
| Noncurrent assets plus other real estate owned to assets | 1.6784% | 1,938 |
| Noncurrent loans to loans | 1.8818% | 1,823 |
| Net loans and leases to total assets | 38.8698% | 5,900 |
| Net loans and leases to deposits | 60.1182% | 4,854 |
| Net loans and leases to core deposits | 75.4520% | 3,681 |
| Total domestic deposits to total assets | 64.6557% | 6,502 |
| Equity capital to assets | 13.9454% | 992 |
| Core capital (leverage) ratio | 13.7268% | 910 |
| Tier 1 risk-based capital ratio | 27.9028% | 651 |
| Total risk-based capital ratio | 28.9855% | 646 |
| Memoranda: | ||
| Average total assets | $1,039,937,670 | 639 |
| Average earning assets | $946,228,330 | 644 |
| Average equity | $144,102,330 | 508 |
| Average total loans | $419,987,330 | 1,040 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6738% | 4,932 |
| Cost of funding earning assets | 0.2229% | 5,819 |
| Net interest margin | 3.4509% | 3,896 |
| Noninterest income to average assets | 1.1765% | 805 |
| Noninterest expense to average assets | 1.8192% | 6,195 |
| Loan and lease loss provision to assets | -0.0233% | 6,425 |
| Net operating income to assets | 1.6566% | 611 |
| Return on assets (ROA) | 1.6566% | 641 |
| Pretax return on assets | 2.5167% | 216 |
| Return on Equity (ROE) | 11.9945% | 1,405 |
| Retained earnings to average equity (ytd only) | 11.9945% | 605 |
| Net charge-offs to loans | 0.1452% | 1,852 |
| Credit loss provision to net charge-offs | -39.2157% | 4,730 |
| Earnings coverage of net charge-offs (x) | 41.9869% | 851 |
| Efficiency ratio | 42.1834% | 6,546 |
| Assets per employee ($millions) | 4.4913% | 2,984 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2039% | 4,615 |
| Loan loss allowance to noncurrent loans | 66.9558% | 4,599 |
| Noncurrent assets plus other real estate owned to assets | 1.7184% | 2,052 |
| Noncurrent loans to loans | 1.7981% | 2,142 |
| Net loans and leases to total assets | 40.3814% | 5,783 |
| Net loans and leases to deposits | 58.3301% | 4,906 |
| Net loans and leases to core deposits | 73.4035% | 3,713 |
| Total domestic deposits to total assets | 69.2291% | 6,475 |
| Equity capital to assets | 14.2716% | 842 |
| Core capital (leverage) ratio | 13.8358% | 872 |
| Tier 1 risk-based capital ratio | 28.2209% | 626 |
| Total risk-based capital ratio | 29.2541% | 628 |
| Memoranda: | ||
| Average total assets | $1,030,544,500 | 651 |
| Average earning assets | $936,573,500 | 655 |
| Average equity | $142,332,000 | 515 |
| Average total loans | $421,565,500 | 1,044 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6598% | 5,247 |
| Cost of funding earning assets | 0.2476% | 5,980 |
| Net interest margin | 3.4123% | 4,229 |
| Noninterest income to average assets | 1.3701% | 745 |
| Noninterest expense to average assets | 2.0315% | 5,968 |
| Loan and lease loss provision to assets | 0.1264% | 2,732 |
| Net operating income to assets | 1.5829% | 714 |
| Return on assets (ROA) | 1.5829% | 736 |
| Pretax return on assets | 2.3370% | 250 |
| Return on Equity (ROE) | 11.2191% | 1,695 |
| Retained earnings to average equity (ytd only) | 11.2191% | 392 |
| Net charge-offs to loans | 0.2658% | 2,368 |
| Credit loss provision to net charge-offs | 103.3276% | 2,345 |
| Earnings coverage of net charge-offs (x) | 20.1382% | 1,567 |
| Efficiency ratio | 45.1957% | 6,585 |
| Assets per employee ($millions) | 4.7560% | 2,509 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2265% | 4,513 |
| Loan loss allowance to noncurrent loans | 78.5167% | 4,223 |
| Noncurrent assets plus other real estate owned to assets | 1.6337% | 2,266 |
| Noncurrent loans to loans | 1.5621% | 2,556 |
| Net loans and leases to total assets | 40.4378% | 5,928 |
| Net loans and leases to deposits | 61.9841% | 4,721 |
| Net loans and leases to core deposits | 77.3627% | 3,442 |
| Total domestic deposits to total assets | 65.2389% | 6,646 |
| Equity capital to assets | 13.3608% | 1,116 |
| Core capital (leverage) ratio | 13.3291% | 1,011 |
| Tier 1 risk-based capital ratio | 26.5952% | 725 |
| Total risk-based capital ratio | 27.6347% | 720 |
| Memoranda: | ||
| Average total assets | $958,089,200 | 688 |
| Average earning assets | $877,388,200 | 686 |
| Average equity | $135,179,600 | 534 |
| Average total loans | $440,917,800 | 969 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6157% | 5,402 |
| Cost of funding earning assets | 0.2509% | 6,074 |
| Net interest margin | 3.3648% | 4,416 |
| Noninterest income to average assets | 1.3947% | 750 |
| Noninterest expense to average assets | 2.0979% | 5,833 |
| Loan and lease loss provision to assets | 0.1623% | 2,229 |
| Net operating income to assets | 1.4974% | 902 |
| Return on assets (ROA) | 1.4974% | 946 |
| Pretax return on assets | 2.2181% | 367 |
| Return on Equity (ROE) | 10.4590% | 2,020 |
| Retained earnings to average equity (ytd only) | 10.4590% | 696 |
| Net charge-offs to loans | 0.1668% | 2,891 |
| Credit loss provision to net charge-offs | 205.2158% | 1,180 |
| Earnings coverage of net charge-offs (x) | 30.0955% | 1,233 |
| Efficiency ratio | 46.8456% | 6,557 |
| Assets per employee ($millions) | 4.7001% | 2,574 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3449% | 4,167 |
| Loan loss allowance to noncurrent loans | 38.2897% | 5,692 |
| Noncurrent assets plus other real estate owned to assets | 1.6345% | 2,512 |
| Noncurrent loans to loans | 3.5124% | 1,080 |
| Net loans and leases to total assets | 40.6070% | 5,989 |
| Net loans and leases to deposits | 62.6186% | 4,681 |
| Net loans and leases to core deposits | 78.7482% | 3,264 |
| Total domestic deposits to total assets | 64.8482% | 6,729 |
| Equity capital to assets | 13.1971% | 1,244 |
| Core capital (leverage) ratio | 14.1360% | 838 |
| Tier 1 risk-based capital ratio | 26.3942% | 755 |
| Total risk-based capital ratio | 27.5778% | 745 |
| Memoranda: | ||
| Average total assets | $937,220,000 | 709 |
| Average earning assets | $858,897,500 | 695 |
| Average equity | $134,184,000 | 541 |
| Average total loans | $444,543,250 | 966 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7060% | 5,126 |
| Cost of funding earning assets | 0.2648% | 6,078 |
| Net interest margin | 3.4413% | 4,036 |
| Noninterest income to average assets | 1.4315% | 768 |
| Noninterest expense to average assets | 2.1860% | 5,664 |
| Loan and lease loss provision to assets | 0.1178% | 2,854 |
| Net operating income to assets | 1.5475% | 824 |
| Return on assets (ROA) | 1.5475% | 892 |
| Pretax return on assets | 2.2754% | 364 |
| Return on Equity (ROE) | 10.4923% | 2,016 |
| Retained earnings to average equity (ytd only) | 10.4923% | 746 |
| Net charge-offs to loans | 0.1593% | 2,828 |
| Credit loss provision to net charge-offs | 148.3240% | 1,553 |
| Earnings coverage of net charge-offs (x) | 30.1425% | 1,144 |
| Efficiency ratio | 47.7383% | 6,553 |
| Assets per employee ($millions) | 4.0359% | 3,721 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2248% | 4,858 |
| Loan loss allowance to noncurrent loans | 39.4151% | 5,656 |
| Noncurrent assets plus other real estate owned to assets | 1.6783% | 2,596 |
| Noncurrent loans to loans | 3.1073% | 1,421 |
| Net loans and leases to total assets | 46.6034% | 5,466 |
| Net loans and leases to deposits | 64.5447% | 4,431 |
| Net loans and leases to core deposits | 80.0405% | 3,017 |
| Total domestic deposits to total assets | 72.2034% | 6,551 |
| Equity capital to assets | 14.3791% | 849 |
| Core capital (leverage) ratio | 14.6976% | 668 |
| Tier 1 risk-based capital ratio | 26.3634% | 742 |
| Total risk-based capital ratio | 27.4866% | 734 |
| Memoranda: | ||
| Average total assets | $901,820,330 | 734 |
| Average earning assets | $824,868,330 | 725 |
| Average equity | $133,011,670 | 547 |
| Average total loans | $449,565,330 | 952 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7477% | 4,997 |
| Cost of funding earning assets | 0.2813% | 6,101 |
| Net interest margin | 3.4664% | 3,835 |
| Noninterest income to average assets | 1.3437% | 849 |
| Noninterest expense to average assets | 2.1296% | 5,847 |
| Loan and lease loss provision to assets | 0.1571% | 2,299 |
| Net operating income to assets | 1.5571% | 761 |
| Return on assets (ROA) | 1.5571% | 830 |
| Pretax return on assets | 2.2188% | 400 |
| Return on Equity (ROE) | 10.4202% | 1,908 |
| Retained earnings to average equity (ytd only) | 10.4202% | 1,003 |
| Net charge-offs to loans | 0.1739% | 2,354 |
| Credit loss provision to net charge-offs | 176.2626% | 1,206 |
| Earnings coverage of net charge-offs (x) | 26.6566% | 1,023 |
| Efficiency ratio | 47.2675% | 6,643 |
| Assets per employee ($millions) | 4.0671% | 3,808 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1812% | 5,265 |
| Loan loss allowance to noncurrent loans | 53.6615% | 4,999 |
| Noncurrent assets plus other real estate owned to assets | 1.2976% | 3,371 |
| Noncurrent loans to loans | 2.2011% | 2,387 |
| Net loans and leases to total assets | 50.4069% | 4,932 |
| Net loans and leases to deposits | 65.3342% | 4,146 |
| Net loans and leases to core deposits | 80.7735% | 2,717 |
| Total domestic deposits to total assets | 77.1524% | 6,234 |
| Equity capital to assets | 15.1842% | 714 |
| Core capital (leverage) ratio | 14.5350% | 661 |
| Tier 1 risk-based capital ratio | 25.9630% | 784 |
| Total risk-based capital ratio | 27.0980% | 791 |
| Memoranda: | ||
| Average total assets | $888,602,500 | 746 |
| Average earning assets | $810,525,000 | 753 |
| Average equity | $132,780,000 | 556 |
| Average total loans | $455,366,500 | 931 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7574% | 5,932 |
| Cost of funding earning assets | 0.3757% | 6,079 |
| Net interest margin | 3.3817% | 4,955 |
| Noninterest income to average assets | 1.2242% | 1,040 |
| Noninterest expense to average assets | 2.0284% | 6,277 |
| Loan and lease loss provision to assets | -0.1580% | 6,955 |
| Net operating income to assets | 1.6369% | 707 |
| Return on assets (ROA) | 1.8063% | 566 |
| Pretax return on assets | 2.7218% | 191 |
| Return on Equity (ROE) | 12.5320% | 1,353 |
| Retained earnings to average equity (ytd only) | 4.2551% | 3,230 |
| Net charge-offs to loans | 0.1777% | 3,950 |
| Credit loss provision to net charge-offs | -186.0792% | 6,380 |
| Earnings coverage of net charge-offs (x) | 27.1673% | 1,076 |
| Efficiency ratio | 46.7854% | 6,761 |
| Assets per employee ($millions) | 3.9581% | 4,036 |
| Cash dividends to net income (ytd only)* | 66.0462% | 1,515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1322% | 5,435 |
| Loan loss allowance to noncurrent loans | 54.6134% | 4,902 |
| Noncurrent assets plus other real estate owned to assets | 1.2494% | 3,562 |
| Noncurrent loans to loans | 2.0732% | 2,612 |
| Net loans and leases to total assets | 50.8972% | 5,051 |
| Net loans and leases to deposits | 69.1116% | 3,821 |
| Net loans and leases to core deposits | 86.6481% | 2,238 |
| Total domestic deposits to total assets | 73.6449% | 6,564 |
| Equity capital to assets | 14.7020% | 821 |
| Core capital (leverage) ratio | 13.7883% | 863 |
| Tier 1 risk-based capital ratio | 25.2332% | 823 |
| Total risk-based capital ratio | 26.3433% | 830 |
| Memoranda: | ||
| Average total assets | $922,025,600 | 713 |
| Average earning assets | $848,305,000 | 706 |
| Average equity | $132,899,600 | 540 |
| Average total loans | $440,628,000 | 945 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7295% | 6,172 |
| Cost of funding earning assets | 0.3820% | 6,214 |
| Net interest margin | 3.3474% | 5,223 |
| Noninterest income to average assets | 1.1977% | 1,056 |
| Noninterest expense to average assets | 2.0302% | 6,303 |
| Loan and lease loss provision to assets | -0.1606% | 7,075 |
| Net operating income to assets | 1.6135% | 815 |
| Return on assets (ROA) | 1.6135% | 906 |
| Pretax return on assets | 2.4136% | 335 |
| Return on Equity (ROE) | 11.2478% | 1,871 |
| Retained earnings to average equity (ytd only) | 11.2478% | 645 |
| Net charge-offs to loans | 0.1690% | 3,764 |
| Credit loss provision to net charge-offs | -202.5316% | 6,340 |
| Earnings coverage of net charge-offs (x) | 28.4143% | 1,147 |
| Efficiency ratio | 47.3989% | 6,752 |
| Assets per employee ($millions) | 4.1385% | 3,601 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3198% | 4,726 |
| Loan loss allowance to noncurrent loans | 59.4896% | 4,671 |
| Noncurrent assets plus other real estate owned to assets | 1.2579% | 3,786 |
| Noncurrent loans to loans | 2.2186% | 2,596 |
| Net loans and leases to total assets | 47.5007% | 5,606 |
| Net loans and leases to deposits | 66.1859% | 4,447 |
| Net loans and leases to core deposits | 86.4407% | 2,405 |
| Total domestic deposits to total assets | 71.7685% | 6,756 |
| Equity capital to assets | 15.4091% | 723 |
| Core capital (leverage) ratio | 14.1276% | 792 |
| Tier 1 risk-based capital ratio | 27.3125% | 715 |
| Total risk-based capital ratio | 28.5790% | 695 |
| Memoranda: | ||
| Average total assets | $929,888,500 | 714 |
| Average earning assets | $857,110,750 | 702 |
| Average equity | $133,391,500 | 543 |
| Average total loans | $436,168,000 | 960 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7140% | 6,310 |
| Cost of funding earning assets | 0.3904% | 6,323 |
| Net interest margin | 3.3235% | 5,376 |
| Noninterest income to average assets | 1.1683% | 1,044 |
| Noninterest expense to average assets | 2.0084% | 6,412 |
| Loan and lease loss provision to assets | -0.2203% | 7,160 |
| Net operating income to assets | 1.6399% | 772 |
| Return on assets (ROA) | 1.6399% | 859 |
| Pretax return on assets | 2.4429% | 323 |
| Return on Equity (ROE) | 11.7118% | 1,767 |
| Retained earnings to average equity (ytd only) | 11.7118% | 630 |
| Net charge-offs to loans | 0.1614% | 3,634 |
| Credit loss provision to net charge-offs | -293.4659% | 6,199 |
| Earnings coverage of net charge-offs (x) | 29.6051% | 1,083 |
| Efficiency ratio | 47.4695% | 6,806 |
| Assets per employee ($millions) | 4.1463% | 3,575 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3567% | 4,633 |
| Loan loss allowance to noncurrent loans | 169.4032% | 1,979 |
| Noncurrent assets plus other real estate owned to assets | 0.6111% | 5,238 |
| Noncurrent loans to loans | 0.8009% | 4,907 |
| Net loans and leases to total assets | 47.1201% | 5,705 |
| Net loans and leases to deposits | 67.8881% | 4,221 |
| Net loans and leases to core deposits | 89.9009% | 1,999 |
| Total domestic deposits to total assets | 69.4084% | 6,934 |
| Equity capital to assets | 14.5068% | 917 |
| Core capital (leverage) ratio | 13.8846% | 837 |
| Tier 1 risk-based capital ratio | 25.9106% | 814 |
| Total risk-based capital ratio | 27.1745% | 795 |
| Memoranda: | ||
| Average total assets | $937,742,670 | 707 |
| Average earning assets | $864,142,670 | 697 |
| Average equity | $131,303,000 | 548 |
| Average total loans | $436,134,330 | 957 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7543% | 6,339 |
| Cost of funding earning assets | 0.3990% | 6,416 |
| Net interest margin | 3.3553% | 5,286 |
| Noninterest income to average assets | 1.1526% | 1,068 |
| Noninterest expense to average assets | 1.9520% | 6,550 |
| Loan and lease loss provision to assets | -0.6382% | 7,268 |
| Net operating income to assets | 1.9835% | 432 |
| Return on assets (ROA) | 1.9835% | 494 |
| Pretax return on assets | 2.9302% | 198 |
| Return on Equity (ROE) | 14.4238% | 1,098 |
| Retained earnings to average equity (ytd only) | 14.4238% | 521 |
| Net charge-offs to loans | 0.1697% | 3,071 |
| Credit loss provision to net charge-offs | -819.6721% | 5,888 |
| Earnings coverage of net charge-offs (x) | 29.4372% | 932 |
| Efficiency ratio | 45.9950% | 6,898 |
| Assets per employee ($millions) | 4.3958% | 3,204 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3405% | 4,842 |
| Loan loss allowance to noncurrent loans | 158.3471% | 2,055 |
| Noncurrent assets plus other real estate owned to assets | 0.6296% | 5,314 |
| Noncurrent loans to loans | 0.8465% | 4,984 |
| Net loans and leases to total assets | 45.6119% | 5,831 |
| Net loans and leases to deposits | 66.0209% | 4,378 |
| Net loans and leases to core deposits | 87.5212% | 2,114 |
| Total domestic deposits to total assets | 69.0872% | 7,020 |
| Equity capital to assets | 14.2254% | 943 |
| Core capital (leverage) ratio | 13.1230% | 1,081 |
| Tier 1 risk-based capital ratio | 25.8954% | 809 |
| Total risk-based capital ratio | 27.1549% | 793 |
| Memoranda: | ||
| Average total assets | $940,153,500 | 704 |
| Average earning assets | $866,202,000 | 694 |
| Average equity | $129,286,000 | 553 |
| Average total loans | $431,382,000 | 969 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9545% | 6,543 |
| Cost of funding earning assets | 0.4674% | 6,667 |
| Net interest margin | 3.4871% | 5,197 |
| Noninterest income to average assets | 1.3533% | 711 |
| Noninterest expense to average assets | 2.0330% | 6,620 |
| Loan and lease loss provision to assets | 0.2328% | 3,878 |
| Net operating income to assets | 1.5051% | 814 |
| Return on assets (ROA) | 1.6780% | 614 |
| Pretax return on assets | 2.5606% | 188 |
| Return on Equity (ROE) | 12.5908% | 1,261 |
| Retained earnings to average equity (ytd only) | 8.4941% | 927 |
| Net charge-offs to loans | 0.3350% | 3,722 |
| Credit loss provision to net charge-offs | 152.0685% | 1,847 |
| Earnings coverage of net charge-offs (x) | 16.5364% | 1,321 |
| Efficiency ratio | 44.5385% | 7,107 |
| Assets per employee ($millions) | 4.1789% | 3,497 |
| Cash dividends to net income (ytd only)* | 32.5373% | 3,000 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7124% | 3,156 |
| Loan loss allowance to noncurrent loans | 217.3443% | 1,523 |
| Noncurrent assets plus other real estate owned to assets | 0.5808% | 5,521 |
| Noncurrent loans to loans | 0.7879% | 5,106 |
| Net loans and leases to total assets | 44.7660% | 6,139 |
| Net loans and leases to deposits | 70.8787% | 3,970 |
| Net loans and leases to core deposits | 95.4434% | 1,547 |
| Total domestic deposits to total assets | 63.1587% | 7,187 |
| Equity capital to assets | 13.2904% | 1,366 |
| Core capital (leverage) ratio | 13.5158% | 956 |
| Tier 1 risk-based capital ratio | 24.5100% | 922 |
| Total risk-based capital ratio | 25.7744% | 909 |
| Memoranda: | ||
| Average total assets | $915,811,200 | 715 |
| Average earning assets | $843,336,200 | 698 |
| Average equity | $122,049,800 | 571 |
| Average total loans | $418,464,800 | 1,006 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0106% | 6,565 |
| Cost of funding earning assets | 0.4902% | 6,739 |
| Net interest margin | 3.5204% | 5,103 |
| Noninterest income to average assets | 1.3848% | 681 |
| Noninterest expense to average assets | 2.0662% | 6,561 |
| Loan and lease loss provision to assets | 0.2868% | 3,220 |
| Net operating income to assets | 1.4870% | 964 |
| Return on assets (ROA) | 1.6029% | 840 |
| Pretax return on assets | 2.4468% | 272 |
| Return on Equity (ROE) | 12.0191% | 1,546 |
| Retained earnings to average equity (ytd only) | 12.0191% | 495 |
| Net charge-offs to loans | 0.3676% | 3,253 |
| Credit loss provision to net charge-offs | 170.6037% | 1,770 |
| Earnings coverage of net charge-offs (x) | 15.2170% | 1,482 |
| Efficiency ratio | 44.6823% | 7,120 |
| Assets per employee ($millions) | 3.7087% | 4,520 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7454% | 3,124 |
| Loan loss allowance to noncurrent loans | 221.8972% | 1,403 |
| Noncurrent assets plus other real estate owned to assets | 0.6276% | 5,568 |
| Noncurrent loans to loans | 0.7866% | 5,305 |
| Net loans and leases to total assets | 46.7130% | 6,082 |
| Net loans and leases to deposits | 68.0312% | 4,601 |
| Net loans and leases to core deposits | 90.2259% | 2,223 |
| Total domestic deposits to total assets | 68.6641% | 7,108 |
| Equity capital to assets | 14.2385% | 1,071 |
| Core capital (leverage) ratio | 13.0839% | 1,195 |
| Tier 1 risk-based capital ratio | 25.2380% | 892 |
| Total risk-based capital ratio | 26.5049% | 885 |
| Memoranda: | ||
| Average total assets | $906,566,750 | 728 |
| Average earning assets | $834,202,500 | 716 |
| Average equity | $120,905,000 | 582 |
| Average total loans | $414,591,750 | 1,018 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0055% | 6,651 |
| Cost of funding earning assets | 0.5056% | 6,828 |
| Net interest margin | 3.4999% | 5,169 |
| Noninterest income to average assets | 1.3837% | 666 |
| Noninterest expense to average assets | 2.0405% | 6,711 |
| Loan and lease loss provision to assets | 0.2688% | 3,245 |
| Net operating income to assets | 1.5025% | 887 |
| Return on assets (ROA) | 1.5050% | 938 |
| Pretax return on assets | 2.3016% | 349 |
| Return on Equity (ROE) | 11.5443% | 1,621 |
| Retained earnings to average equity (ytd only) | 11.5443% | 584 |
| Net charge-offs to loans | 0.3219% | 3,271 |
| Credit loss provision to net charge-offs | 184.9772% | 1,633 |
| Earnings coverage of net charge-offs (x) | 17.6646% | 1,289 |
| Efficiency ratio | 44.2908% | 7,223 |
| Assets per employee ($millions) | 3.7383% | 4,341 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7447% | 3,174 |
| Loan loss allowance to noncurrent loans | 130.7291% | 2,254 |
| Noncurrent assets plus other real estate owned to assets | 0.6629% | 5,574 |
| Noncurrent loans to loans | 1.3346% | 4,421 |
| Net loans and leases to total assets | 44.1132% | 6,427 |
| Net loans and leases to deposits | 66.8073% | 4,884 |
| Net loans and leases to core deposits | 88.4928% | 2,570 |
| Total domestic deposits to total assets | 66.0305% | 7,262 |
| Equity capital to assets | 13.5414% | 1,270 |
| Core capital (leverage) ratio | 12.6136% | 1,316 |
| Tier 1 risk-based capital ratio | 25.1168% | 896 |
| Total risk-based capital ratio | 26.3781% | 881 |
| Memoranda: | ||
| Average total assets | $907,118,000 | 731 |
| Average earning assets | $835,451,670 | 721 |
| Average equity | $118,258,000 | 591 |
| Average total loans | $409,382,000 | 1,049 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0083% | 6,687 |
| Cost of funding earning assets | 0.5281% | 6,871 |
| Net interest margin | 3.4802% | 5,097 |
| Noninterest income to average assets | 1.4054% | 655 |
| Noninterest expense to average assets | 2.0653% | 6,702 |
| Loan and lease loss provision to assets | 0.2497% | 3,162 |
| Net operating income to assets | 1.5030% | 868 |
| Return on assets (ROA) | 1.5030% | 913 |
| Pretax return on assets | 2.2962% | 349 |
| Return on Equity (ROE) | 11.7645% | 1,527 |
| Retained earnings to average equity (ytd only) | 11.7645% | 771 |
| Net charge-offs to loans | 0.2187% | 3,211 |
| Credit loss provision to net charge-offs | 252.2523% | 1,234 |
| Earnings coverage of net charge-offs (x) | 25.7207% | 952 |
| Efficiency ratio | 44.7882% | 7,252 |
| Assets per employee ($millions) | 4.1403% | 3,564 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7242% | 3,260 |
| Loan loss allowance to noncurrent loans | 104.5131% | 2,753 |
| Noncurrent assets plus other real estate owned to assets | 0.8152% | 5,272 |
| Noncurrent loans to loans | 1.6498% | 4,008 |
| Net loans and leases to total assets | 44.2536% | 6,451 |
| Net loans and leases to deposits | 65.4202% | 5,061 |
| Net loans and leases to core deposits | 85.4795% | 2,959 |
| Total domestic deposits to total assets | 67.6452% | 7,273 |
| Equity capital to assets | 12.8200% | 1,462 |
| Core capital (leverage) ratio | 12.5197% | 1,315 |
| Tier 1 risk-based capital ratio | 24.3470% | 940 |
| Total risk-based capital ratio | 25.6043% | 923 |
| Memoranda: | ||
| Average total assets | $897,127,500 | 749 |
| Average earning assets | $826,391,000 | 733 |
| Average equity | $114,616,000 | 601 |
| Average total loans | $405,955,500 | 1,074 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5812% | 6,166 |
| Cost of funding earning assets | 0.6864% | 6,920 |
| Net interest margin | 3.8949% | 3,515 |
| Noninterest income to average assets | 1.5091% | 639 |
| Noninterest expense to average assets | 2.2340% | 6,531 |
| Loan and lease loss provision to assets | 0.0925% | 6,217 |
| Net operating income to assets | 1.8165% | 397 |
| Return on assets (ROA) | 1.8965% | 365 |
| Pretax return on assets | 2.8577% | 131 |
| Return on Equity (ROE) | 14.1501% | 856 |
| Retained earnings to average equity (ytd only) | 7.2807% | 1,213 |
| Net charge-offs to loans | 0.0564% | 6,227 |
| Credit loss provision to net charge-offs | 340.9692% | 752 |
| Earnings coverage of net charge-offs (x) | 104.2335% | 241 |
| Efficiency ratio | 44.1233% | 7,416 |
| Assets per employee ($millions) | 3.7928% | 4,278 |
| Cash dividends to net income (ytd only)* | 48.5467% | 2,152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6603% | 3,356 |
| Loan loss allowance to noncurrent loans | 107.9240% | 2,681 |
| Noncurrent assets plus other real estate owned to assets | 0.7989% | 5,412 |
| Noncurrent loans to loans | 1.5384% | 4,185 |
| Net loans and leases to total assets | 44.7209% | 6,656 |
| Net loans and leases to deposits | 64.9934% | 5,516 |
| Net loans and leases to core deposits | 86.3499% | 3,274 |
| Total domestic deposits to total assets | 68.8084% | 7,294 |
| Equity capital to assets | 12.7308% | 1,511 |
| Core capital (leverage) ratio | 12.7837% | 1,204 |
| Tier 1 risk-based capital ratio | 24.3383% | 904 |
| Total risk-based capital ratio | 25.5962% | 889 |
| Memoranda: | ||
| Average total assets | $836,333,800 | 808 |
| Average earning assets | $763,157,400 | 799 |
| Average equity | $112,091,400 | 599 |
| Average total loans | $402,532,000 | 1,125 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7330% | 5,905 |
| Cost of funding earning assets | 0.7265% | 6,989 |
| Net interest margin | 4.0065% | 3,075 |
| Noninterest income to average assets | 1.5193% | 594 |
| Noninterest expense to average assets | 2.3142% | 6,279 |
| Loan and lease loss provision to assets | 0.0607% | 6,459 |
| Net operating income to assets | 1.8556% | 447 |
| Return on assets (ROA) | 1.9004% | 449 |
| Pretax return on assets | 2.8595% | 145 |
| Return on Equity (ROE) | 13.9901% | 1,041 |
| Retained earnings to average equity (ytd only) | 8.0308% | 1,411 |
| Net charge-offs to loans | 0.0272% | 6,294 |
| Credit loss provision to net charge-offs | 457.3171% | 658 |
| Earnings coverage of net charge-offs (x) | 214.8548% | 153 |
| Efficiency ratio | 44.7919% | 7,435 |
| Assets per employee ($millions) | 3.8875% | 4,059 |
| Cash dividends to net income (ytd only)* | 42.5967% | 1,969 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5825% | 3,609 |
| Loan loss allowance to noncurrent loans | 670.8637% | 495 |
| Noncurrent assets plus other real estate owned to assets | 0.1970% | 6,873 |
| Noncurrent loans to loans | 0.2359% | 6,702 |
| Net loans and leases to total assets | 45.6364% | 6,732 |
| Net loans and leases to deposits | 68.0376% | 5,416 |
| Net loans and leases to core deposits | 91.9562% | 2,805 |
| Total domestic deposits to total assets | 67.0753% | 7,425 |
| Equity capital to assets | 13.0294% | 1,559 |
| Core capital (leverage) ratio | 13.8259% | 957 |
| Tier 1 risk-based capital ratio | 23.0169% | 1,069 |
| Total risk-based capital ratio | 24.2782% | 1,032 |
| Memoranda: | ||
| Average total assets | $823,536,500 | 821 |
| Average earning assets | $749,694,250 | 818 |
| Average equity | $111,867,000 | 591 |
| Average total loans | $402,262,750 | 1,133 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9209% | 5,305 |
| Cost of funding earning assets | 0.7840% | 6,966 |
| Net interest margin | 4.1369% | 2,396 |
| Noninterest income to average assets | 1.5385% | 541 |
| Noninterest expense to average assets | 2.3773% | 6,126 |
| Loan and lease loss provision to assets | -0.0405% | 7,757 |
| Net operating income to assets | 1.9647% | 349 |
| Return on assets (ROA) | 2.0336% | 343 |
| Pretax return on assets | 3.0676% | 118 |
| Return on Equity (ROE) | 14.7516% | 901 |
| Retained earnings to average equity (ytd only) | 11.1479% | 622 |
| Net charge-offs to loans | 0.0140% | 6,147 |
| Credit loss provision to net charge-offs | -582.1429% | 6,841 |
| Earnings coverage of net charge-offs (x) | 420.2500% | 80 |
| Efficiency ratio | 44.8543% | 7,491 |
| Assets per employee ($millions) | 3.4510% | 5,038 |
| Cash dividends to net income (ytd only)* | 24.4290% | 2,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4904% | 3,982 |
| Loan loss allowance to noncurrent loans | 694.1793% | 481 |
| Noncurrent assets plus other real estate owned to assets | 0.2757% | 6,722 |
| Noncurrent loans to loans | 0.2147% | 6,819 |
| Net loans and leases to total assets | 50.7584% | 6,344 |
| Net loans and leases to deposits | 66.6472% | 5,726 |
| Net loans and leases to core deposits | 90.3893% | 3,203 |
| Total domestic deposits to total assets | 76.1598% | 6,660 |
| Equity capital to assets | 14.7375% | 942 |
| Core capital (leverage) ratio | 13.4206% | 1,088 |
| Tier 1 risk-based capital ratio | 22.6565% | 1,103 |
| Total risk-based capital ratio | 23.9149% | 1,084 |
| Memoranda: | ||
| Average total assets | $805,189,670 | 848 |
| Average earning assets | $732,148,000 | 839 |
| Average equity | $110,998,330 | 592 |
| Average total loans | $400,551,000 | 1,151 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9148% | 5,389 |
| Cost of funding earning assets | 0.7777% | 7,153 |
| Net interest margin | 4.1371% | 2,287 |
| Noninterest income to average assets | 1.5013% | 532 |
| Noninterest expense to average assets | 2.3545% | 6,229 |
| Loan and lease loss provision to assets | 0.1962% | 4,536 |
| Net operating income to assets | 1.8020% | 495 |
| Return on assets (ROA) | 1.8020% | 545 |
| Pretax return on assets | 2.7103% | 182 |
| Return on Equity (ROE) | 13.5138% | 1,144 |
| Retained earnings to average equity (ytd only) | 13.5138% | 557 |
| Net charge-offs to loans | 0.0040% | 5,566 |
| Credit loss provision to net charge-offs | 10,050.0000% | 40 |
| Earnings coverage of net charge-offs (x) | 1,488.7500% | 13 |
| Efficiency ratio | 44.7537% | 7,596 |
| Assets per employee ($millions) | 3.2827% | 5,576 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6336% | 3,310 |
| Loan loss allowance to noncurrent loans | 2,559.3750% | 138 |
| Noncurrent assets plus other real estate owned to assets | 0.1949% | 6,979 |
| Noncurrent loans to loans | 0.0638% | 7,239 |
| Net loans and leases to total assets | 48.6577% | 6,610 |
| Net loans and leases to deposits | 66.1745% | 5,803 |
| Net loans and leases to core deposits | 90.1195% | 3,352 |
| Total domestic deposits to total assets | 73.5294% | 7,101 |
| Equity capital to assets | 13.7190% | 1,237 |
| Core capital (leverage) ratio | 12.7018% | 1,326 |
| Tier 1 risk-based capital ratio | 22.6184% | 1,131 |
| Total risk-based capital ratio | 23.8747% | 1,105 |
| Memoranda: | ||
| Average total assets | $819,542,500 | 841 |
| Average earning assets | $744,765,500 | 845 |
| Average equity | $109,280,500 | 605 |
| Average total loans | $400,779,500 | 1,182 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0479% | 6,280 |
| Cost of funding earning assets | 0.9687% | 7,266 |
| Net interest margin | 4.0792% | 2,534 |
| Noninterest income to average assets | 1.5011% | 637 |
| Noninterest expense to average assets | 2.2813% | 6,798 |
| Loan and lease loss provision to assets | 0.2309% | 5,521 |
| Net operating income to assets | 1.7902% | 364 |
| Return on assets (ROA) | 1.8360% | 339 |
| Pretax return on assets | 2.7808% | 114 |
| Return on Equity (ROE) | 15.4778% | 606 |
| Retained earnings to average equity (ytd only) | 15.4778% | 87 |
| Net charge-offs to loans | 0.1642% | 5,642 |
| Credit loss provision to net charge-offs | 297.3520% | 1,120 |
| Earnings coverage of net charge-offs (x) | 37.8941% | 629 |
| Efficiency ratio | 43.6735% | 7,789 |
| Assets per employee ($millions) | 3.4511% | 5,127 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5367% | 3,543 |
| Loan loss allowance to noncurrent loans | 1,167.7419% | 325 |
| Noncurrent assets plus other real estate owned to assets | 0.1790% | 7,026 |
| Noncurrent loans to loans | 0.1316% | 7,105 |
| Net loans and leases to total assets | 47.6087% | 6,836 |
| Net loans and leases to deposits | 69.8350% | 5,628 |
| Net loans and leases to core deposits | 120.1788% | 1,938 |
| Total domestic deposits to total assets | 68.1731% | 7,535 |
| Equity capital to assets | 12.9578% | 1,524 |
| Core capital (leverage) ratio | 12.3245% | 1,518 |
| Tier 1 risk-based capital ratio | 21.4534% | 1,223 |
| Total risk-based capital ratio | 22.7048% | 1,195 |
| Memoranda: | ||
| Average total assets | $826,862,000 | 823 |
| Average earning assets | $754,526,800 | 822 |
| Average equity | $98,082,600 | 673 |
| Average total loans | $390,956,000 | 1,230 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0989% | 6,270 |
| Cost of funding earning assets | 1.0214% | 7,345 |
| Net interest margin | 4.0775% | 2,487 |
| Noninterest income to average assets | 1.4865% | 670 |
| Noninterest expense to average assets | 2.3170% | 6,651 |
| Loan and lease loss provision to assets | 0.2299% | 5,133 |
| Net operating income to assets | 1.7581% | 497 |
| Return on assets (ROA) | 1.8192% | 451 |
| Pretax return on assets | 2.7553% | 137 |
| Return on Equity (ROE) | 15.6994% | 689 |
| Retained earnings to average equity (ytd only) | 15.6994% | 139 |
| Net charge-offs to loans | 0.1445% | 5,246 |
| Credit loss provision to net charge-offs | 338.4798% | 1,213 |
| Earnings coverage of net charge-offs (x) | 42.5914% | 718 |
| Efficiency ratio | 44.4758% | 7,822 |
| Assets per employee ($millions) | 3.8032% | 4,183 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4877% | 3,510 |
| Loan loss allowance to noncurrent loans | 929.1798% | 386 |
| Noncurrent assets plus other real estate owned to assets | 0.1313% | 7,217 |
| Noncurrent loans to loans | 0.1601% | 7,086 |
| Net loans and leases to total assets | 47.9278% | 6,963 |
| Net loans and leases to deposits | 70.5947% | 5,833 |
| Net loans and leases to core deposits | 125.3732% | 1,782 |
| Total domestic deposits to total assets | 67.8915% | 7,588 |
| Equity capital to assets | 12.5046% | 1,952 |
| Core capital (leverage) ratio | 12.2598% | 1,677 |
| Tier 1 risk-based capital ratio | 20.5864% | 1,442 |
| Total risk-based capital ratio | 21.8371% | 1,395 |
| Memoranda: | ||
| Average total assets | $826,511,000 | 830 |
| Average earning assets | $754,660,000 | 833 |
| Average equity | $95,772,000 | 688 |
| Average total loans | $388,574,750 | 1,254 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1882% | 6,124 |
| Cost of funding earning assets | 1.0865% | 7,399 |
| Net interest margin | 4.1017% | 2,314 |
| Noninterest income to average assets | 1.4424% | 717 |
| Noninterest expense to average assets | 2.3185% | 6,713 |
| Loan and lease loss provision to assets | 0.1786% | 5,260 |
| Net operating income to assets | 1.7676% | 501 |
| Return on assets (ROA) | 1.8550% | 441 |
| Pretax return on assets | 2.8214% | 127 |
| Return on Equity (ROE) | 16.4336% | 654 |
| Retained earnings to average equity (ytd only) | 16.4336% | 150 |
| Net charge-offs to loans | 0.1300% | 4,870 |
| Credit loss provision to net charge-offs | 295.6175% | 1,578 |
| Earnings coverage of net charge-offs (x) | 47.4542% | 712 |
| Efficiency ratio | 44.7054% | 7,898 |
| Assets per employee ($millions) | 3.8379% | 4,004 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3763% | 3,857 |
| Loan loss allowance to noncurrent loans | 972.3327% | 368 |
| Noncurrent assets plus other real estate owned to assets | 0.1183% | 7,267 |
| Noncurrent loans to loans | 0.1415% | 7,165 |
| Net loans and leases to total assets | 48.5010% | 6,995 |
| Net loans and leases to deposits | 70.2074% | 5,972 |
| Net loans and leases to core deposits | 121.4376% | 2,250 |
| Total domestic deposits to total assets | 69.0824% | 7,549 |
| Equity capital to assets | 12.3881% | 1,981 |
| Core capital (leverage) ratio | 11.1067% | 2,326 |
| Tier 1 risk-based capital ratio | 20.0548% | 1,570 |
| Total risk-based capital ratio | 21.2714% | 1,540 |
| Memoranda: | ||
| Average total assets | $830,717,670 | 845 |
| Average earning assets | $758,222,670 | 842 |
| Average equity | $93,771,330 | 709 |
| Average total loans | $386,109,330 | 1,280 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1053% | 6,628 |
| Cost of funding earning assets | 1.1753% | 7,351 |
| Net interest margin | 3.9301% | 2,926 |
| Noninterest income to average assets | 1.4061% | 712 |
| Noninterest expense to average assets | 2.1568% | 6,988 |
| Loan and lease loss provision to assets | 0.1286% | 5,310 |
| Net operating income to assets | 1.7878% | 542 |
| Return on assets (ROA) | 1.7878% | 599 |
| Pretax return on assets | 2.7166% | 174 |
| Return on Equity (ROE) | 16.5952% | 740 |
| Retained earnings to average equity (ytd only) | 16.5952% | 298 |
| Net charge-offs to loans | 0.1303% | 3,920 |
| Credit loss provision to net charge-offs | 218.4000% | 2,070 |
| Earnings coverage of net charge-offs (x) | 48.3040% | 749 |
| Efficiency ratio | 43.1182% | 7,960 |
| Assets per employee ($millions) | 4.0088% | 3,645 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3362% | 3,877 |
| Loan loss allowance to noncurrent loans | 475.8979% | 735 |
| Noncurrent assets plus other real estate owned to assets | 0.2037% | 6,914 |
| Noncurrent loans to loans | 0.2808% | 6,736 |
| Net loans and leases to total assets | 43.7441% | 7,364 |
| Net loans and leases to deposits | 68.7250% | 6,107 |
| Net loans and leases to core deposits | 115.3879% | 2,862 |
| Total domestic deposits to total assets | 63.6509% | 7,860 |
| Equity capital to assets | 11.1388% | 2,863 |
| Core capital (leverage) ratio | 10.6501% | 2,787 |
| Tier 1 risk-based capital ratio | 19.2988% | 1,756 |
| Total risk-based capital ratio | 20.4524% | 1,738 |
| Memoranda: | ||
| Average total assets | $848,849,500 | 832 |
| Average earning assets | $776,676,500 | 825 |
| Average equity | $91,448,000 | 723 |
| Average total loans | $383,816,500 | 1,298 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5362% | 7,213 |
| Cost of funding earning assets | 2.0675% | 6,175 |
| Net interest margin | 3.4687% | 5,409 |
| Noninterest income to average assets | 1.5870% | 556 |
| Noninterest expense to average assets | 2.3667% | 6,514 |
| Loan and lease loss provision to assets | 0.0989% | 6,115 |
| Net operating income to assets | 1.5126% | 995 |
| Return on assets (ROA) | 1.5177% | 950 |
| Pretax return on assets | 2.2895% | 324 |
| Return on Equity (ROE) | 15.3987% | 864 |
| Retained earnings to average equity (ytd only) | 15.3987% | 80 |
| Net charge-offs to loans | 0.0985% | 5,336 |
| Credit loss provision to net charge-offs | 226.3305% | 2,098 |
| Earnings coverage of net charge-offs (x) | 54.4958% | 721 |
| Efficiency ratio | 49.8544% | 7,674 |
| Assets per employee ($millions) | 4.0566% | 3,395 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2504% | 4,132 |
| Loan loss allowance to noncurrent loans | 411.3636% | 1,016 |
| Noncurrent assets plus other real estate owned to assets | 0.2371% | 6,622 |
| Noncurrent loans to loans | 0.3040% | 6,467 |
| Net loans and leases to total assets | 45.5213% | 7,369 |
| Net loans and leases to deposits | 73.3776% | 5,909 |
| Net loans and leases to core deposits | 123.5475% | 2,353 |
| Total domestic deposits to total assets | 62.0371% | 7,885 |
| Equity capital to assets | 10.4066% | 3,602 |
| Core capital (leverage) ratio | 10.0030% | 3,443 |
| Tier 1 risk-based capital ratio | 17.8770% | 2,067 |
| Total risk-based capital ratio | 18.9601% | 2,058 |
| Memoranda: | ||
| Average total assets | $817,264,400 | 833 |
| Average earning assets | $744,577,000 | 820 |
| Average equity | $80,552,200 | 826 |
| Average total loans | $362,329,800 | 1,337 |