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 | 4.4338% | 3,219 |
| Cost of funding earning assets | 1.0430% | 3,202 |
| Net interest margin | 3.3908% | 2,421 |
| Noninterest income to average assets | 1.9100% | 283 |
| Noninterest expense to average assets | 2.6235% | 1,944 |
| Loan and lease loss provision to assets | 0.2300% | 514 |
| Net operating income to assets | 1.6385% | 814 |
| Return on assets (ROA) | 1.6448% | 772 |
| Pretax return on assets | 2.0953% | 574 |
| Return on Equity (ROE) | 15.5400% | 1,187 |
| Retained earnings to average equity (ytd only) | -14.7659% | 4,496 |
| Net charge-offs to loans | 0.3820% | 273 |
| Credit loss provision to net charge-offs | 219.5565% | 1,154 |
| Earnings coverage of net charge-offs (x) | 21.8770% | 1,829 |
| Efficiency ratio | 53.0666% | 3,746 |
| Assets per employee ($millions) | 5.3372% | 3,363 |
| Cash dividends to net income (ytd only)* | 195.0078% | 58 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8816% | 459 |
| Loan loss allowance to noncurrent loans | 1,100.4255% | 847 |
| Noncurrent assets plus other real estate owned to assets | 0.1477% | 2,533 |
| Noncurrent loans to loans | 0.1710% | 2,667 |
| Net loans and leases to total assets | 29.0400% | 4,317 |
| Net loans and leases to deposits | 33.1689% | 4,322 |
| Net loans and leases to core deposits | 38.0392% | 4,316 |
| Total domestic deposits to total assets | 87.5500% | 1,503 |
| Equity capital to assets | 9.7126% | 2,190 |
| Core capital (leverage) ratio | 13.2611% | 978 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.4280% | 214 |
| Memoranda: | ||
| Average total assets | $467,658,000 | 1,804 |
| Average earning assets | $418,870,200 | 1,841 |
| Average equity | $49,492,400 | 1,623 |
| Average total loans | $129,829,000 | 2,859 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3494% | 3,198 |
| Cost of funding earning assets | 0.9028% | 3,266 |
| Net interest margin | 3.4466% | 2,348 |
| Noninterest income to average assets | 1.8900% | 301 |
| Noninterest expense to average assets | 2.6223% | 1,874 |
| Loan and lease loss provision to assets | 0.2500% | 406 |
| Net operating income to assets | 1.6341% | 884 |
| Return on assets (ROA) | 1.6159% | 904 |
| Pretax return on assets | 2.0710% | 693 |
| Return on Equity (ROE) | 14.9600% | 1,444 |
| Retained earnings to average equity (ytd only) | 14.9642% | 560 |
| Net charge-offs to loans | 0.3033% | 290 |
| Credit loss provision to net charge-offs | 307.5601% | 870 |
| Earnings coverage of net charge-offs (x) | 28.3608% | 1,619 |
| Efficiency ratio | 52.7509% | 3,695 |
| Assets per employee ($millions) | 5.1731% | 3,456 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9212% | 455 |
| Loan loss allowance to noncurrent loans | 642.8218% | 1,202 |
| Noncurrent assets plus other real estate owned to assets | 0.2112% | 2,203 |
| Noncurrent loans to loans | 0.2989% | 2,160 |
| Net loans and leases to total assets | 28.1600% | 4,347 |
| Net loans and leases to deposits | 32.5040% | 4,351 |
| Net loans and leases to core deposits | 36.9548% | 4,311 |
| Total domestic deposits to total assets | 86.6400% | 2,005 |
| Equity capital to assets | 10.6490% | 1,485 |
| Core capital (leverage) ratio | 15.8740% | 510 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 37.9922% | 163 |
| Memoranda: | ||
| Average total assets | $468,489,250 | 1,800 |
| Average earning assets | $419,421,500 | 1,840 |
| Average equity | $50,590,750 | 1,583 |
| Average total loans | $127,928,000 | 2,879 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2241% | 3,245 |
| Cost of funding earning assets | 0.7697% | 3,299 |
| Net interest margin | 3.4544% | 2,375 |
| Noninterest income to average assets | 1.8500% | 258 |
| Noninterest expense to average assets | 2.5596% | 2,036 |
| Loan and lease loss provision to assets | 0.3100% | 297 |
| Net operating income to assets | 1.6172% | 919 |
| Return on assets (ROA) | 1.6172% | 919 |
| Pretax return on assets | 2.0734% | 655 |
| Return on Equity (ROE) | 14.9100% | 1,489 |
| Retained earnings to average equity (ytd only) | 14.9061% | 573 |
| Net charge-offs to loans | 0.2757% | 305 |
| Credit loss provision to net charge-offs | 421.9653% | 712 |
| Earnings coverage of net charge-offs (x) | 32.2486% | 1,516 |
| Efficiency ratio | 51.7596% | 3,788 |
| Assets per employee ($millions) | 5.5075% | 3,140 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8712% | 526 |
| Loan loss allowance to noncurrent loans | 741.2791% | 1,176 |
| Noncurrent assets plus other real estate owned to assets | 0.1995% | 2,196 |
| Noncurrent loans to loans | 0.2524% | 2,254 |
| Net loans and leases to total assets | 28.5600% | 4,350 |
| Net loans and leases to deposits | 33.0537% | 4,353 |
| Net loans and leases to core deposits | 37.2175% | 4,309 |
| Total domestic deposits to total assets | 86.4200% | 2,112 |
| Equity capital to assets | 10.9089% | 1,427 |
| Core capital (leverage) ratio | 15.2556% | 558 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 36.8249% | 166 |
| Memoranda: | ||
| Average total assets | $467,736,333 | 1,802 |
| Average earning assets | $418,885,333 | 1,843 |
| Average equity | $50,744,333 | 1,582 |
| Average total loans | $125,512,667 | 2,892 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9759% | 3,495 |
| Cost of funding earning assets | 0.5911% | 3,406 |
| Net interest margin | 3.3848% | 2,675 |
| Noninterest income to average assets | 1.8300% | 256 |
| Noninterest expense to average assets | 2.5333% | 2,156 |
| Loan and lease loss provision to assets | 0.3100% | 269 |
| Net operating income to assets | 1.5664% | 1,042 |
| Return on assets (ROA) | 1.5947% | 989 |
| Pretax return on assets | 2.0448% | 718 |
| Return on Equity (ROE) | 14.7400% | 1,615 |
| Retained earnings to average equity (ytd only) | 14.7404% | 839 |
| Net charge-offs to loans | 0.2431% | 315 |
| Credit loss provision to net charge-offs | 504.1096% | 538 |
| Earnings coverage of net charge-offs (x) | 37.2055% | 1,221 |
| Efficiency ratio | 52.1578% | 3,764 |
| Assets per employee ($millions) | 5.5170% | 3,206 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9108% | 519 |
| Loan loss allowance to noncurrent loans | 579.4937% | 1,459 |
| Noncurrent assets plus other real estate owned to assets | 0.2126% | 2,074 |
| Noncurrent loans to loans | 0.3297% | 1,971 |
| Net loans and leases to total assets | 24.2000% | 4,473 |
| Net loans and leases to deposits | 27.9362% | 4,482 |
| Net loans and leases to core deposits | 31.1390% | 4,439 |
| Total domestic deposits to total assets | 86.6400% | 2,394 |
| Equity capital to assets | 10.8660% | 1,392 |
| Core capital (leverage) ratio | 15.1571% | 558 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 37.8123% | 165 |
| Memoranda: | ||
| Average total assets | $467,534,500 | 1,828 |
| Average earning assets | $418,218,000 | 1,868 |
| Average equity | $50,582,000 | 1,598 |
| Average total loans | $120,132,500 | 2,976 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9846% | 4,150 |
| Cost of funding earning assets | 0.2000% | 3,757 |
| Net interest margin | 2.7847% | 3,922 |
| Noninterest income to average assets | 1.8200% | 282 |
| Noninterest expense to average assets | 2.5095% | 2,083 |
| Loan and lease loss provision to assets | 0.0700% | 1,594 |
| Net operating income to assets | 1.3709% | 1,208 |
| Return on assets (ROA) | 1.3127% | 1,351 |
| Pretax return on assets | 1.6710% | 991 |
| Return on Equity (ROE) | 10.5700% | 2,622 |
| Retained earnings to average equity (ytd only) | -6.7133% | 4,603 |
| Net charge-offs to loans | 0.3072% | 251 |
| Credit loss provision to net charge-offs | 85.8667% | 1,652 |
| Earnings coverage of net charge-offs (x) | 22.5307% | 1,835 |
| Efficiency ratio | 58.0466% | 3,336 |
| Assets per employee ($millions) | 5.6196% | 3,104 |
| Cash dividends to net income (ytd only)* | 163.5323% | 66 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6552% | 867 |
| Loan loss allowance to noncurrent loans | 504.8101% | 1,588 |
| Noncurrent assets plus other real estate owned to assets | 0.2623% | 1,852 |
| Noncurrent loans to loans | 0.3279% | 1,977 |
| Net loans and leases to total assets | 26.3500% | 4,470 |
| Net loans and leases to deposits | 30.4034% | 4,467 |
| Net loans and leases to core deposits | 34.0254% | 4,415 |
| Total domestic deposits to total assets | 86.6800% | 2,504 |
| Equity capital to assets | 10.7680% | 1,349 |
| Core capital (leverage) ratio | 14.9972% | 576 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 38.7553% | 159 |
| Memoranda: | ||
| Average total assets | $465,834,800 | 1,815 |
| Average earning assets | $419,044,400 | 1,852 |
| Average equity | $57,869,800 | 1,445 |
| Average total loans | $122,057,000 | 2,897 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7834% | 4,208 |
| Cost of funding earning assets | 0.1472% | 3,872 |
| Net interest margin | 2.6362% | 4,049 |
| Noninterest income to average assets | 1.8100% | 296 |
| Noninterest expense to average assets | 2.5758% | 1,774 |
| Loan and lease loss provision to assets | 0.0800% | 1,289 |
| Net operating income to assets | 1.1942% | 1,714 |
| Return on assets (ROA) | 1.1162% | 1,987 |
| Pretax return on assets | 1.4360% | 1,613 |
| Return on Equity (ROE) | 8.7100% | 3,112 |
| Retained earnings to average equity (ytd only) | -13.4271% | 4,707 |
| Net charge-offs to loans | 0.3081% | 209 |
| Credit loss provision to net charge-offs | 95.0530% | 1,356 |
| Earnings coverage of net charge-offs (x) | 20.0636% | 1,712 |
| Efficiency ratio | 61.5207% | 2,896 |
| Assets per employee ($millions) | 5.4372% | 3,285 |
| Cash dividends to net income (ytd only)* | 254.1942% | 33 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6988% | 878 |
| Loan loss allowance to noncurrent loans | 415.7464% | 1,780 |
| Noncurrent assets plus other real estate owned to assets | 0.2178% | 2,155 |
| Noncurrent loans to loans | 0.4086% | 1,796 |
| Net loans and leases to total assets | 26.0700% | 4,509 |
| Net loans and leases to deposits | 30.0600% | 4,498 |
| Net loans and leases to core deposits | 33.7603% | 4,449 |
| Total domestic deposits to total assets | 86.7200% | 2,849 |
| Equity capital to assets | 10.4677% | 1,384 |
| Core capital (leverage) ratio | 14.4970% | 612 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 37.5964% | 167 |
| Memoranda: | ||
| Average total assets | $469,900,750 | 1,811 |
| Average earning assets | $423,784,000 | 1,847 |
| Average equity | $60,234,750 | 1,417 |
| Average total loans | $122,453,750 | 2,908 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5976% | 4,274 |
| Cost of funding earning assets | 0.1272% | 3,876 |
| Net interest margin | 2.4704% | 4,131 |
| Noninterest income to average assets | 1.6778% | 285 |
| Noninterest expense to average assets | 2.5288% | 1,841 |
| Loan and lease loss provision to assets | -0.0517% | 4,522 |
| Net operating income to assets | 1.1229% | 1,688 |
| Return on assets (ROA) | 1.0456% | 1,961 |
| Pretax return on assets | 1.3455% | 1,598 |
| Return on Equity (ROE) | 7.7099% | 3,099 |
| Retained earnings to average equity (ytd only) | -23.2659% | 4,736 |
| Net charge-offs to loans | 0.2432% | 264 |
| Credit loss provision to net charge-offs | -82.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 22.0867% | 1,512 |
| Efficiency ratio | 64.5023% | 2,708 |
| Assets per employee ($millions) | 5.5762% | 3,146 |
| Cash dividends to net income (ytd only)* | 401.7678% | 17 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4654% | 1,500 |
| Loan loss allowance to noncurrent loans | 453.4527% | 1,657 |
| Noncurrent assets plus other real estate owned to assets | 0.1867% | 2,421 |
| Noncurrent loans to loans | 0.3232% | 2,185 |
| Net loans and leases to total assets | 25.1523% | 4,578 |
| Net loans and leases to deposits | 29.3896% | 4,558 |
| Net loans and leases to core deposits | 33.2591% | 4,499 |
| Total domestic deposits to total assets | 85.5822% | 3,357 |
| Equity capital to assets | 11.8854% | 914 |
| Core capital (leverage) ratio | 13.8905% | 650 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 36.9021% | 138 |
| Memoranda: | ||
| Average total assets | $476,106,333 | 1,803 |
| Average earning assets | $432,243,333 | 1,838 |
| Average equity | $64,566,667 | 1,367 |
| Average total loans | $123,379,667 | 2,909 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3379% | 4,429 |
| Cost of funding earning assets | 0.1255% | 3,828 |
| Net interest margin | 2.2123% | 4,332 |
| Noninterest income to average assets | 1.6514% | 312 |
| Noninterest expense to average assets | 2.4972% | 1,889 |
| Loan and lease loss provision to assets | -0.0176% | 4,443 |
| Net operating income to assets | 0.9171% | 2,215 |
| Return on assets (ROA) | 0.8257% | 2,568 |
| Pretax return on assets | 1.0654% | 2,244 |
| Return on Equity (ROE) | 5.7365% | 3,422 |
| Retained earnings to average equity (ytd only) | -52.5021% | 4,781 |
| Net charge-offs to loans | 0.2633% | 244 |
| Credit loss provision to net charge-offs | -25.6098% | 2,786 |
| Earnings coverage of net charge-offs (x) | 16.9268% | 1,328 |
| Efficiency ratio | 68.2162% | 2,474 |
| Assets per employee ($millions) | 5.7143% | 3,102 |
| Cash dividends to net income (ytd only)* | 1,015.2284% | 12 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6018% | 1,268 |
| Loan loss allowance to noncurrent loans | 259.7594% | 2,276 |
| Noncurrent assets plus other real estate owned to assets | 0.2331% | 2,247 |
| Noncurrent loans to loans | 0.6166% | 1,519 |
| Net loans and leases to total assets | 24.8660% | 4,598 |
| Net loans and leases to deposits | 29.1732% | 4,571 |
| Net loans and leases to core deposits | 33.1056% | 4,505 |
| Total domestic deposits to total assets | 85.2360% | 3,487 |
| Equity capital to assets | 12.3005% | 861 |
| Core capital (leverage) ratio | 13.8758% | 601 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 37.5743% | 133 |
| Memoranda: | ||
| Average total assets | $477,171,000 | 1,804 |
| Average earning assets | $433,389,000 | 1,845 |
| Average equity | $68,683,000 | 1,351 |
| Average total loans | $124,575,000 | 2,902 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4109% | 4,533 |
| Cost of funding earning assets | 0.1405% | 4,062 |
| Net interest margin | 2.2705% | 4,436 |
| Noninterest income to average assets | 1.6650% | 411 |
| Noninterest expense to average assets | 2.5250% | 2,111 |
| Loan and lease loss provision to assets | 0.1007% | 1,243 |
| Net operating income to assets | 0.8572% | 3,165 |
| Return on assets (ROA) | 0.8425% | 3,277 |
| Pretax return on assets | 1.0745% | 3,049 |
| Return on Equity (ROE) | 5.0092% | 3,996 |
| Retained earnings to average equity (ytd only) | 5.0092% | 2,779 |
| Net charge-offs to loans | 0.4074% | 204 |
| Credit loss provision to net charge-offs | 84.0787% | 1,928 |
| Earnings coverage of net charge-offs (x) | 9.9678% | 2,233 |
| Efficiency ratio | 67.8977% | 1,996 |
| Assets per employee ($millions) | 5.3296% | 3,440 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6011% | 1,254 |
| Loan loss allowance to noncurrent loans | 198.9310% | 2,601 |
| Noncurrent assets plus other real estate owned to assets | 0.2975% | 2,051 |
| Noncurrent loans to loans | 0.8049% | 1,267 |
| Net loans and leases to total assets | 26.5216% | 4,612 |
| Net loans and leases to deposits | 32.7732% | 4,563 |
| Net loans and leases to core deposits | 37.5543% | 4,476 |
| Total domestic deposits to total assets | 80.9246% | 4,116 |
| Equity capital to assets | 16.5121% | 327 |
| Core capital (leverage) ratio | 16.1497% | 344 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 43.4039% | 97 |
| Memoranda: | ||
| Average total assets | $466,731,800 | 1,782 |
| Average earning assets | $422,204,600 | 1,833 |
| Average equity | $78,494,800 | 1,224 |
| Average total loans | $137,209,600 | 2,758 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4397% | 4,610 |
| Cost of funding earning assets | 0.1432% | 4,168 |
| Net interest margin | 2.2965% | 4,493 |
| Noninterest income to average assets | 1.6530% | 462 |
| Noninterest expense to average assets | 2.6022% | 1,830 |
| Loan and lease loss provision to assets | 0.0579% | 1,832 |
| Net operating income to assets | 0.8245% | 3,457 |
| Return on assets (ROA) | 0.8112% | 3,565 |
| Pretax return on assets | 1.0501% | 3,323 |
| Return on Equity (ROE) | 4.8010% | 4,163 |
| Retained earnings to average equity (ytd only) | 4.8010% | 3,291 |
| Net charge-offs to loans | 0.4643% | 167 |
| Credit loss provision to net charge-offs | 41.5638% | 1,911 |
| Earnings coverage of net charge-offs (x) | 8.0700% | 2,116 |
| Efficiency ratio | 69.8168% | 1,621 |
| Assets per employee ($millions) | 5.6156% | 3,079 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3868% | 2,071 |
| Loan loss allowance to noncurrent loans | 295.2153% | 1,999 |
| Noncurrent assets plus other real estate owned to assets | 0.2139% | 2,708 |
| Noncurrent loans to loans | 0.4698% | 2,152 |
| Net loans and leases to total assets | 27.9031% | 4,652 |
| Net loans and leases to deposits | 34.7505% | 4,611 |
| Net loans and leases to core deposits | 39.8591% | 4,519 |
| Total domestic deposits to total assets | 80.2956% | 4,188 |
| Equity capital to assets | 16.8626% | 347 |
| Core capital (leverage) ratio | 15.9561% | 392 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 41.1866% | 123 |
| Memoranda: | ||
| Average total assets | $464,830,250 | 1,813 |
| Average earning assets | $419,814,250 | 1,856 |
| Average equity | $78,537,750 | 1,241 |
| Average total loans | $139,549,750 | 2,769 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4508% | 4,650 |
| Cost of funding earning assets | 0.1465% | 4,231 |
| Net interest margin | 2.3043% | 4,514 |
| Noninterest income to average assets | 1.5752% | 499 |
| Noninterest expense to average assets | 2.6026% | 1,840 |
| Loan and lease loss provision to assets | 0.0169% | 2,617 |
| Net operating income to assets | 0.7950% | 3,525 |
| Return on assets (ROA) | 0.7796% | 3,632 |
| Pretax return on assets | 1.0105% | 3,428 |
| Return on Equity (ROE) | 4.6111% | 4,212 |
| Retained earnings to average equity (ytd only) | 4.6111% | 3,324 |
| Net charge-offs to loans | 0.4167% | 199 |
| Credit loss provision to net charge-offs | 13.2203% | 1,762 |
| Earnings coverage of net charge-offs (x) | 8.2068% | 1,889 |
| Efficiency ratio | 71.3152% | 1,494 |
| Assets per employee ($millions) | 5.5147% | 3,109 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3681% | 2,114 |
| Loan loss allowance to noncurrent loans | 309.5552% | 1,849 |
| Noncurrent assets plus other real estate owned to assets | 0.2078% | 2,902 |
| Noncurrent loans to loans | 0.4419% | 2,343 |
| Net loans and leases to total assets | 28.9000% | 4,685 |
| Net loans and leases to deposits | 35.9852% | 4,634 |
| Net loans and leases to core deposits | 41.1967% | 4,550 |
| Total domestic deposits to total assets | 80.3109% | 4,187 |
| Equity capital to assets | 16.8801% | 335 |
| Core capital (leverage) ratio | 15.8198% | 390 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 42.3342% | 111 |
| Memoranda: | ||
| Average total assets | $462,538,000 | 1,809 |
| Average earning assets | $416,346,000 | 1,854 |
| Average equity | $78,203,000 | 1,243 |
| Average total loans | $141,575,667 | 2,763 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4175% | 4,705 |
| Cost of funding earning assets | 0.1523% | 4,289 |
| Net interest margin | 2.2652% | 4,558 |
| Noninterest income to average assets | 1.5349% | 580 |
| Noninterest expense to average assets | 2.5710% | 1,953 |
| Loan and lease loss provision to assets | -0.0017% | 4,551 |
| Net operating income to assets | 0.7713% | 3,507 |
| Return on assets (ROA) | 0.7348% | 3,685 |
| Pretax return on assets | 0.9525% | 3,492 |
| Return on Equity (ROE) | 4.3426% | 4,216 |
| Retained earnings to average equity (ytd only) | 4.3426% | 3,402 |
| Net charge-offs to loans | 0.6096% | 134 |
| Credit loss provision to net charge-offs | -0.9132% | 2,681 |
| Earnings coverage of net charge-offs (x) | 5.2283% | 1,689 |
| Efficiency ratio | 72.0595% | 1,489 |
| Assets per employee ($millions) | 4.9148% | 3,751 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3445% | 2,226 |
| Loan loss allowance to noncurrent loans | 309.0468% | 1,720 |
| Noncurrent assets plus other real estate owned to assets | 0.2123% | 3,097 |
| Noncurrent loans to loans | 0.4350% | 2,553 |
| Net loans and leases to total assets | 29.4446% | 4,710 |
| Net loans and leases to deposits | 37.1812% | 4,655 |
| Net loans and leases to core deposits | 42.4641% | 4,550 |
| Total domestic deposits to total assets | 79.1923% | 4,313 |
| Equity capital to assets | 16.3272% | 359 |
| Core capital (leverage) ratio | 16.4704% | 348 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 39.5800% | 137 |
| Memoranda: | ||
| Average total assets | $459,433,500 | 1,812 |
| Average earning assets | $412,319,000 | 1,864 |
| Average equity | $77,742,000 | 1,240 |
| Average total loans | $143,690,000 | 2,749 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3370% | 4,278 |
| Cost of funding earning assets | 0.2916% | 4,193 |
| Net interest margin | 3.0454% | 3,766 |
| Noninterest income to average assets | 1.7189% | 425 |
| Noninterest expense to average assets | 3.1039% | 1,222 |
| Loan and lease loss provision to assets | 0.3336% | 1,065 |
| Net operating income to assets | 0.7643% | 3,224 |
| Return on assets (ROA) | 0.7765% | 3,309 |
| Pretax return on assets | 0.9919% | 3,070 |
| Return on Equity (ROE) | 4.2002% | 4,115 |
| Retained earnings to average equity (ytd only) | -2.2438% | 4,722 |
| Net charge-offs to loans | 0.4736% | 345 |
| Credit loss provision to net charge-offs | 200.5731% | 2,158 |
| Earnings coverage of net charge-offs (x) | 7.8768% | 2,655 |
| Efficiency ratio | 70.3212% | 1,906 |
| Assets per employee ($millions) | 4.5581% | 3,863 |
| Cash dividends to net income (ytd only)* | 153.4213% | 91 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4714% | 1,686 |
| Loan loss allowance to noncurrent loans | 259.4168% | 1,915 |
| Noncurrent assets plus other real estate owned to assets | 0.3221% | 2,709 |
| Noncurrent loans to loans | 0.5672% | 2,283 |
| Net loans and leases to total assets | 32.3340% | 4,697 |
| Net loans and leases to deposits | 40.6363% | 4,645 |
| Net loans and leases to core deposits | 46.8810% | 4,518 |
| Total domestic deposits to total assets | 79.5694% | 4,123 |
| Equity capital to assets | 17.5618% | 300 |
| Core capital (leverage) ratio | 16.5236% | 348 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 35.5468% | 169 |
| Memoranda: | ||
| Average total assets | $419,696,800 | 1,801 |
| Average earning assets | $371,410,000 | 1,868 |
| Average equity | $77,591,800 | 1,183 |
| Average total loans | $147,367,200 | 2,683 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5908% | 4,032 |
| Cost of funding earning assets | 0.3261% | 4,183 |
| Net interest margin | 3.2647% | 3,299 |
| Noninterest income to average assets | 1.7207% | 396 |
| Noninterest expense to average assets | 3.1020% | 1,235 |
| Loan and lease loss provision to assets | 0.3236% | 1,214 |
| Net operating income to assets | 0.9065% | 2,673 |
| Return on assets (ROA) | 0.9251% | 2,744 |
| Pretax return on assets | 1.1968% | 2,400 |
| Return on Equity (ROE) | 4.9377% | 3,911 |
| Retained earnings to average equity (ytd only) | -3.6556% | 4,803 |
| Net charge-offs to loans | 0.4065% | 392 |
| Credit loss provision to net charge-offs | 222.8381% | 2,032 |
| Earnings coverage of net charge-offs (x) | 10.3082% | 2,365 |
| Efficiency ratio | 67.4508% | 2,257 |
| Assets per employee ($millions) | 4.5022% | 3,846 |
| Cash dividends to net income (ytd only)* | 174.0341% | 79 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3286% | 2,045 |
| Loan loss allowance to noncurrent loans | 208.1675% | 2,141 |
| Noncurrent assets plus other real estate owned to assets | 0.3626% | 2,698 |
| Noncurrent loans to loans | 0.6382% | 2,199 |
| Net loans and leases to total assets | 33.4639% | 4,753 |
| Net loans and leases to deposits | 42.2378% | 4,694 |
| Net loans and leases to core deposits | 48.1112% | 4,620 |
| Total domestic deposits to total assets | 79.2274% | 4,023 |
| Equity capital to assets | 17.6444% | 329 |
| Core capital (leverage) ratio | 16.5019% | 378 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 36.7270% | 168 |
| Memoranda: | ||
| Average total assets | $414,087,250 | 1,797 |
| Average earning assets | $365,073,000 | 1,865 |
| Average equity | $77,578,000 | 1,175 |
| Average total loans | $147,935,250 | 2,686 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9197% | 3,563 |
| Cost of funding earning assets | 0.3713% | 4,167 |
| Net interest margin | 3.5484% | 2,643 |
| Noninterest income to average assets | 1.7188% | 360 |
| Noninterest expense to average assets | 3.1611% | 1,222 |
| Loan and lease loss provision to assets | 0.3264% | 1,310 |
| Net operating income to assets | 1.0346% | 2,207 |
| Return on assets (ROA) | 1.0631% | 2,225 |
| Pretax return on assets | 1.3727% | 1,797 |
| Return on Equity (ROE) | 5.5570% | 3,649 |
| Retained earnings to average equity (ytd only) | -7.3483% | 4,858 |
| Net charge-offs to loans | 0.4574% | 348 |
| Credit loss provision to net charge-offs | 196.1424% | 1,941 |
| Earnings coverage of net charge-offs (x) | 9.9941% | 2,183 |
| Efficiency ratio | 65.5271% | 2,585 |
| Assets per employee ($millions) | 3.8032% | 4,464 |
| Cash dividends to net income (ytd only)* | 232.2341% | 70 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2062% | 2,483 |
| Loan loss allowance to noncurrent loans | 130.1481% | 2,829 |
| Noncurrent assets plus other real estate owned to assets | 0.4717% | 2,432 |
| Noncurrent loans to loans | 0.9268% | 1,664 |
| Net loans and leases to total assets | 33.1923% | 4,797 |
| Net loans and leases to deposits | 42.0816% | 4,743 |
| Net loans and leases to core deposits | 47.8533% | 4,671 |
| Total domestic deposits to total assets | 78.8761% | 4,056 |
| Equity capital to assets | 17.9196% | 307 |
| Core capital (leverage) ratio | 16.9342% | 356 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 37.2925% | 161 |
| Memoranda: | ||
| Average total assets | $405,044,333 | 1,798 |
| Average earning assets | $354,467,667 | 1,876 |
| Average equity | $77,487,333 | 1,168 |
| Average total loans | $147,368,333 | 2,678 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2819% | 2,980 |
| Cost of funding earning assets | 0.4454% | 4,174 |
| Net interest margin | 3.8365% | 1,860 |
| Noninterest income to average assets | 1.9428% | 281 |
| Noninterest expense to average assets | 3.3645% | 1,119 |
| Loan and lease loss provision to assets | 0.5138% | 569 |
| Net operating income to assets | 1.0789% | 1,909 |
| Return on assets (ROA) | 1.1178% | 1,886 |
| Pretax return on assets | 1.4463% | 1,441 |
| Return on Equity (ROE) | 5.6446% | 3,442 |
| Retained earnings to average equity (ytd only) | -20.2006% | 4,967 |
| Net charge-offs to loans | 0.6693% | 225 |
| Credit loss provision to net charge-offs | 202.4194% | 1,408 |
| Earnings coverage of net charge-offs (x) | 7.5282% | 1,915 |
| Efficiency ratio | 63.7757% | 3,269 |
| Assets per employee ($millions) | 3.4850% | 4,495 |
| Cash dividends to net income (ytd only)* | 457.8755% | 56 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1605% | 2,877 |
| Loan loss allowance to noncurrent loans | 155.7710% | 2,479 |
| Noncurrent assets plus other real estate owned to assets | 0.4558% | 2,641 |
| Noncurrent loans to loans | 0.7450% | 2,140 |
| Net loans and leases to total assets | 36.1645% | 4,772 |
| Net loans and leases to deposits | 47.4096% | 4,681 |
| Net loans and leases to core deposits | 54.7191% | 4,541 |
| Total domestic deposits to total assets | 76.2811% | 4,449 |
| Equity capital to assets | 19.4933% | 271 |
| Core capital (leverage) ratio | 18.1280% | 330 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 36.3711% | 181 |
| Memoranda: | ||
| Average total assets | $390,781,500 | 1,803 |
| Average earning assets | $339,478,500 | 1,896 |
| Average equity | $77,384,000 | 1,171 |
| Average total loans | $148,218,000 | 2,656 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0399% | 4,165 |
| Cost of funding earning assets | 0.5616% | 3,819 |
| Net interest margin | 3.4783% | 3,511 |
| Noninterest income to average assets | 1.9229% | 279 |
| Noninterest expense to average assets | 3.4245% | 1,073 |
| Loan and lease loss provision to assets | 0.1853% | 1,113 |
| Net operating income to assets | 1.0657% | 2,599 |
| Return on assets (ROA) | 1.0826% | 2,607 |
| Pretax return on assets | 1.3866% | 2,214 |
| Return on Equity (ROE) | 5.8838% | 3,951 |
| Retained earnings to average equity (ytd only) | 1.8866% | 4,050 |
| Net charge-offs to loans | 0.7078% | 236 |
| Credit loss provision to net charge-offs | 65.1163% | 2,976 |
| Earnings coverage of net charge-offs (x) | 5.4479% | 3,084 |
| Efficiency ratio | 68.8332% | 2,338 |
| Assets per employee ($millions) | 3.0498% | 4,799 |
| Cash dividends to net income (ytd only)* | 67.9348% | 1,216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5225% | 1,162 |
| Loan loss allowance to noncurrent loans | 141.8002% | 2,682 |
| Noncurrent assets plus other real estate owned to assets | 0.5985% | 2,104 |
| Noncurrent loans to loans | 1.0737% | 1,411 |
| Net loans and leases to total assets | 38.7149% | 4,780 |
| Net loans and leases to deposits | 50.5172% | 4,665 |
| Net loans and leases to core deposits | 58.5897% | 4,497 |
| Total domestic deposits to total assets | 76.6372% | 4,527 |
| Equity capital to assets | 20.1219% | 252 |
| Core capital (leverage) ratio | 19.0795% | 273 |
| Tier 1 risk-based capital ratio | 36.4567% | 301 |
| Total risk-based capital ratio | 37.6325% | 297 |
| Memoranda: | ||
| Average total assets | $407,918,200 | 1,718 |
| Average earning assets | $357,930,600 | 1,789 |
| Average equity | $75,054,000 | 1,151 |
| Average total loans | $164,033,400 | 2,467 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0958% | 4,162 |
| Cost of funding earning assets | 0.5891% | 3,742 |
| Net interest margin | 3.5067% | 3,546 |
| Noninterest income to average assets | 1.8423% | 304 |
| Noninterest expense to average assets | 3.4055% | 1,080 |
| Loan and lease loss provision to assets | 0.1092% | 1,781 |
| Net operating income to assets | 1.0916% | 2,604 |
| Return on assets (ROA) | 1.1173% | 2,594 |
| Pretax return on assets | 1.4460% | 2,134 |
| Return on Equity (ROE) | 6.2077% | 3,982 |
| Retained earnings to average equity (ytd only) | 0.8377% | 4,605 |
| Net charge-offs to loans | 0.6313% | 253 |
| Credit loss provision to net charge-offs | 42.8030% | 2,837 |
| Earnings coverage of net charge-offs (x) | 5.9672% | 2,873 |
| Efficiency ratio | 69.1030% | 2,242 |
| Assets per employee ($millions) | 2.9444% | 4,920 |
| Cash dividends to net income (ytd only)* | 86.5053% | 501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4206% | 1,498 |
| Loan loss allowance to noncurrent loans | 128.9639% | 2,882 |
| Noncurrent assets plus other real estate owned to assets | 0.5472% | 2,369 |
| Noncurrent loans to loans | 1.1015% | 1,443 |
| Net loans and leases to total assets | 39.3319% | 4,837 |
| Net loans and leases to deposits | 52.8455% | 4,676 |
| Net loans and leases to core deposits | 60.6776% | 4,510 |
| Total domestic deposits to total assets | 74.4280% | 4,788 |
| Equity capital to assets | 19.2213% | 297 |
| Core capital (leverage) ratio | 18.2034% | 337 |
| Tier 1 risk-based capital ratio | 34.5693% | 354 |
| Total risk-based capital ratio | 35.6768% | 350 |
| Memoranda: | ||
| Average total assets | $413,829,500 | 1,704 |
| Average earning assets | $364,167,750 | 1,780 |
| Average equity | $74,486,750 | 1,155 |
| Average total loans | $167,274,000 | 2,462 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1035% | 4,150 |
| Cost of funding earning assets | 0.6081% | 3,608 |
| Net interest margin | 3.4954% | 3,611 |
| Noninterest income to average assets | 1.7340% | 324 |
| Noninterest expense to average assets | 3.3634% | 1,165 |
| Loan and lease loss provision to assets | 0.1097% | 1,703 |
| Net operating income to assets | 1.0387% | 2,772 |
| Return on assets (ROA) | 1.0685% | 2,715 |
| Pretax return on assets | 1.3833% | 2,250 |
| Return on Equity (ROE) | 6.0665% | 4,029 |
| Retained earnings to average equity (ytd only) | -2.0583% | 4,913 |
| Net charge-offs to loans | 0.2351% | 716 |
| Credit loss provision to net charge-offs | 115.0000% | 1,802 |
| Earnings coverage of net charge-offs (x) | 15.2550% | 1,995 |
| Efficiency ratio | 69.7981% | 2,257 |
| Assets per employee ($millions) | 3.0129% | 4,898 |
| Cash dividends to net income (ytd only)* | 133.9286% | 199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6088% | 1,012 |
| Loan loss allowance to noncurrent loans | 89.2915% | 3,497 |
| Noncurrent assets plus other real estate owned to assets | 0.8556% | 1,639 |
| Noncurrent loans to loans | 1.8018% | 835 |
| Net loans and leases to total assets | 40.8198% | 4,827 |
| Net loans and leases to deposits | 56.5242% | 4,575 |
| Net loans and leases to core deposits | 65.1323% | 4,357 |
| Total domestic deposits to total assets | 72.2166% | 4,963 |
| Equity capital to assets | 18.2232% | 356 |
| Core capital (leverage) ratio | 17.2070% | 408 |
| Tier 1 risk-based capital ratio | 32.4686% | 406 |
| Total risk-based capital ratio | 33.7188% | 400 |
| Memoranda: | ||
| Average total assets | $419,273,670 | 1,685 |
| Average earning assets | $370,024,000 | 1,766 |
| Average equity | $73,847,670 | 1,157 |
| Average total loans | $170,166,670 | 2,452 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0806% | 4,180 |
| Cost of funding earning assets | 0.6236% | 3,442 |
| Net interest margin | 3.4570% | 3,727 |
| Noninterest income to average assets | 1.6744% | 320 |
| Noninterest expense to average assets | 3.2696% | 1,349 |
| Loan and lease loss provision to assets | 0.3415% | 355 |
| Net operating income to assets | 0.8535% | 3,436 |
| Return on assets (ROA) | 0.8811% | 3,359 |
| Pretax return on assets | 1.1471% | 2,986 |
| Return on Equity (ROE) | 5.0874% | 4,301 |
| Retained earnings to average equity (ytd only) | 5.0874% | 2,872 |
| Net charge-offs to loans | 0.1457% | 886 |
| Credit loss provision to net charge-offs | 583.8710% | 550 |
| Earnings coverage of net charge-offs (x) | 24.8548% | 1,446 |
| Efficiency ratio | 69.2231% | 2,470 |
| Assets per employee ($millions) | 3.0799% | 4,933 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7737% | 739 |
| Loan loss allowance to noncurrent loans | 106.6336% | 3,283 |
| Noncurrent assets plus other real estate owned to assets | 0.7831% | 1,799 |
| Noncurrent loans to loans | 1.6633% | 934 |
| Net loans and leases to total assets | 39.7439% | 4,896 |
| Net loans and leases to deposits | 53.9923% | 4,679 |
| Net loans and leases to core deposits | 62.7060% | 4,442 |
| Total domestic deposits to total assets | 73.6104% | 4,959 |
| Equity capital to assets | 17.8249% | 362 |
| Core capital (leverage) ratio | 17.0894% | 414 |
| Tier 1 risk-based capital ratio | 32.9203% | 390 |
| Total risk-based capital ratio | 34.1718% | 380 |
| Memoranda: | ||
| Average total assets | $424,031,000 | 1,665 |
| Average earning assets | $373,969,000 | 1,756 |
| Average equity | $73,436,000 | 1,158 |
| Average total loans | $170,251,000 | 2,473 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8142% | 4,453 |
| Cost of funding earning assets | 0.5965% | 2,750 |
| Net interest margin | 3.2178% | 4,450 |
| Noninterest income to average assets | 1.6652% | 345 |
| Noninterest expense to average assets | 2.9655% | 2,148 |
| Loan and lease loss provision to assets | 0.3783% | 378 |
| Net operating income to assets | 0.9436% | 3,271 |
| Return on assets (ROA) | 0.9321% | 3,310 |
| Pretax return on assets | 1.1785% | 2,973 |
| Return on Equity (ROE) | 6.0126% | 4,174 |
| Retained earnings to average equity (ytd only) | 6.0126% | 2,190 |
| Net charge-offs to loans | 0.7569% | 208 |
| Credit loss provision to net charge-offs | 133.5968% | 1,984 |
| Earnings coverage of net charge-offs (x) | 5.5494% | 3,185 |
| Efficiency ratio | 65.3641% | 2,977 |
| Assets per employee ($millions) | 3.2515% | 4,783 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5823% | 1,065 |
| Loan loss allowance to noncurrent loans | 68.9076% | 3,941 |
| Noncurrent assets plus other real estate owned to assets | 1.0634% | 1,277 |
| Noncurrent loans to loans | 2.2962% | 553 |
| Net loans and leases to total assets | 39.2166% | 4,971 |
| Net loans and leases to deposits | 54.9340% | 4,709 |
| Net loans and leases to core deposits | 63.5623% | 4,467 |
| Total domestic deposits to total assets | 71.3886% | 5,106 |
| Equity capital to assets | 16.8244% | 429 |
| Core capital (leverage) ratio | 16.2185% | 489 |
| Tier 1 risk-based capital ratio | 30.7690% | 438 |
| Total risk-based capital ratio | 31.9575% | 432 |
| Memoranda: | ||
| Average total assets | $446,742,400 | 1,545 |
| Average earning assets | $398,691,400 | 1,595 |
| Average equity | $69,254,800 | 1,170 |
| Average total loans | $167,137,200 | 2,466 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7335% | 4,586 |
| Cost of funding earning assets | 0.5701% | 2,706 |
| Net interest margin | 3.1634% | 4,588 |
| Noninterest income to average assets | 1.6494% | 365 |
| Noninterest expense to average assets | 2.9708% | 2,106 |
| Loan and lease loss provision to assets | 0.3845% | 332 |
| Net operating income to assets | 0.8720% | 3,652 |
| Return on assets (ROA) | 0.8503% | 3,747 |
| Pretax return on assets | 1.1021% | 3,395 |
| Return on Equity (ROE) | 5.5985% | 4,388 |
| Retained earnings to average equity (ytd only) | 5.5985% | 2,888 |
| Net charge-offs to loans | 0.9107% | 156 |
| Credit loss provision to net charge-offs | 114.6256% | 2,053 |
| Earnings coverage of net charge-offs (x) | 4.5136% | 3,050 |
| Efficiency ratio | 66.2405% | 2,821 |
| Assets per employee ($millions) | 3.3467% | 4,733 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4172% | 1,634 |
| Loan loss allowance to noncurrent loans | 63.3515% | 4,137 |
| Noncurrent assets plus other real estate owned to assets | 0.9860% | 1,477 |
| Noncurrent loans to loans | 2.2370% | 624 |
| Net loans and leases to total assets | 38.8096% | 5,058 |
| Net loans and leases to deposits | 55.5432% | 4,774 |
| Net loans and leases to core deposits | 64.6629% | 4,479 |
| Total domestic deposits to total assets | 69.8727% | 5,213 |
| Equity capital to assets | 15.6297% | 596 |
| Core capital (leverage) ratio | 16.0440% | 509 |
| Tier 1 risk-based capital ratio | 31.3556% | 419 |
| Total risk-based capital ratio | 32.4700% | 421 |
| Memoranda: | ||
| Average total assets | $451,129,750 | 1,541 |
| Average earning assets | $404,368,500 | 1,584 |
| Average equity | $68,516,250 | 1,180 |
| Average total loans | $166,166,250 | 2,489 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6687% | 4,650 |
| Cost of funding earning assets | 0.5420% | 2,674 |
| Net interest margin | 3.1268% | 4,673 |
| Noninterest income to average assets | 1.5803% | 395 |
| Noninterest expense to average assets | 2.8904% | 2,382 |
| Loan and lease loss provision to assets | 0.3171% | 433 |
| Net operating income to assets | 0.9147% | 3,396 |
| Return on assets (ROA) | 0.8626% | 3,618 |
| Pretax return on assets | 1.1169% | 3,246 |
| Return on Equity (ROE) | 5.7332% | 4,333 |
| Retained earnings to average equity (ytd only) | 5.7332% | 2,706 |
| Net charge-offs to loans | 0.8072% | 168 |
| Credit loss provision to net charge-offs | 109.0634% | 1,906 |
| Earnings coverage of net charge-offs (x) | 5.1586% | 2,731 |
| Efficiency ratio | 65.8363% | 3,013 |
| Assets per employee ($millions) | 3.9352% | 4,013 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3702% | 1,852 |
| Loan loss allowance to noncurrent loans | 48.6993% | 4,447 |
| Noncurrent assets plus other real estate owned to assets | 1.1527% | 1,263 |
| Noncurrent loans to loans | 2.8135% | 428 |
| Net loans and leases to total assets | 37.5472% | 5,141 |
| Net loans and leases to deposits | 53.5024% | 4,859 |
| Net loans and leases to core deposits | 62.6148% | 4,579 |
| Total domestic deposits to total assets | 70.1786% | 5,272 |
| Equity capital to assets | 15.2808% | 634 |
| Core capital (leverage) ratio | 15.4620% | 576 |
| Tier 1 risk-based capital ratio | 31.0531% | 443 |
| Total risk-based capital ratio | 32.1232% | 443 |
| Memoranda: | ||
| Average total assets | $455,365,330 | 1,542 |
| Average earning assets | $409,242,670 | 1,574 |
| Average equity | $68,513,670 | 1,177 |
| Average total loans | $164,023,000 | 2,516 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5831% | 4,737 |
| Cost of funding earning assets | 0.5209% | 2,626 |
| Net interest margin | 3.0622% | 4,776 |
| Noninterest income to average assets | 1.5486% | 407 |
| Noninterest expense to average assets | 2.8452% | 2,552 |
| Loan and lease loss provision to assets | 0.3226% | 390 |
| Net operating income to assets | 0.8768% | 3,381 |
| Return on assets (ROA) | 0.8161% | 3,652 |
| Pretax return on assets | 1.0568% | 3,328 |
| Return on Equity (ROE) | 5.4661% | 4,325 |
| Retained earnings to average equity (ytd only) | 5.4661% | 2,964 |
| Net charge-offs to loans | 0.3187% | 479 |
| Credit loss provision to net charge-offs | 289.0625% | 840 |
| Earnings coverage of net charge-offs (x) | 13.0469% | 1,773 |
| Efficiency ratio | 66.1464% | 3,136 |
| Assets per employee ($millions) | 4.3022% | 3,484 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5635% | 1,243 |
| Loan loss allowance to noncurrent loans | 49.0280% | 4,468 |
| Noncurrent assets plus other real estate owned to assets | 1.2158% | 1,247 |
| Noncurrent loans to loans | 3.1890% | 361 |
| Net loans and leases to total assets | 35.1491% | 5,239 |
| Net loans and leases to deposits | 49.7048% | 4,972 |
| Net loans and leases to core deposits | 58.9093% | 4,705 |
| Total domestic deposits to total assets | 70.7157% | 5,342 |
| Equity capital to assets | 14.9856% | 676 |
| Core capital (leverage) ratio | 14.7781% | 692 |
| Tier 1 risk-based capital ratio | 31.0387% | 436 |
| Total risk-based capital ratio | 32.2157% | 435 |
| Memoranda: | ||
| Average total assets | $458,741,000 | 1,542 |
| Average earning assets | $412,378,000 | 1,576 |
| Average equity | $68,494,500 | 1,187 |
| Average total loans | $160,643,500 | 2,564 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3826% | 4,964 |
| Cost of funding earning assets | 0.3733% | 3,484 |
| Net interest margin | 3.0093% | 4,866 |
| Noninterest income to average assets | 1.5263% | 457 |
| Noninterest expense to average assets | 2.7338% | 3,019 |
| Loan and lease loss provision to assets | 0.4169% | 343 |
| Net operating income to assets | 0.7186% | 3,522 |
| Return on assets (ROA) | 0.7168% | 3,576 |
| Pretax return on assets | 1.0844% | 3,250 |
| Return on Equity (ROE) | 4.8471% | 4,224 |
| Retained earnings to average equity (ytd only) | 0.5803% | 4,809 |
| Net charge-offs to loans | 0.7740% | 265 |
| Credit loss provision to net charge-offs | 173.2517% | 1,564 |
| Earnings coverage of net charge-offs (x) | 6.2509% | 3,206 |
| Efficiency ratio | 64.4399% | 3,543 |
| Assets per employee ($millions) | 4.1585% | 3,722 |
| Cash dividends to net income (ytd only)* | 88.0282% | 576 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4251% | 1,667 |
| Loan loss allowance to noncurrent loans | 46.8076% | 4,548 |
| Noncurrent assets plus other real estate owned to assets | 1.1126% | 1,354 |
| Noncurrent loans to loans | 3.0447% | 363 |
| Net loans and leases to total assets | 33.8605% | 5,346 |
| Net loans and leases to deposits | 51.1153% | 5,020 |
| Net loans and leases to core deposits | 61.4341% | 4,685 |
| Total domestic deposits to total assets | 66.2434% | 5,509 |
| Equity capital to assets | 14.8780% | 705 |
| Core capital (leverage) ratio | 14.2037% | 794 |
| Tier 1 risk-based capital ratio | 30.5777% | 442 |
| Total risk-based capital ratio | 31.6423% | 444 |
| Memoranda: | ||
| Average total assets | $475,462,600 | 1,460 |
| Average earning assets | $428,398,200 | 1,509 |
| Average equity | $70,310,000 | 1,130 |
| Average total loans | $147,805,000 | 2,676 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3143% | 5,098 |
| Cost of funding earning assets | 0.3408% | 3,765 |
| Net interest margin | 2.9735% | 4,976 |
| Noninterest income to average assets | 1.5278% | 465 |
| Noninterest expense to average assets | 2.7252% | 2,981 |
| Loan and lease loss provision to assets | 0.4430% | 292 |
| Net operating income to assets | 0.6649% | 4,138 |
| Return on assets (ROA) | 0.6626% | 4,202 |
| Pretax return on assets | 1.0359% | 3,542 |
| Return on Equity (ROE) | 4.4875% | 4,720 |
| Retained earnings to average equity (ytd only) | -1.1809% | 5,366 |
| Net charge-offs to loans | 0.9210% | 198 |
| Credit loss provision to net charge-offs | 158.8000% | 1,615 |
| Earnings coverage of net charge-offs (x) | 5.3140% | 3,123 |
| Efficiency ratio | 64.6731% | 3,423 |
| Assets per employee ($millions) | 4.3149% | 3,448 |
| Cash dividends to net income (ytd only)* | 126.3157% | 154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3087% | 2,318 |
| Loan loss allowance to noncurrent loans | 38.0694% | 4,796 |
| Noncurrent assets plus other real estate owned to assets | 1.1685% | 1,412 |
| Noncurrent loans to loans | 3.4376% | 325 |
| Net loans and leases to total assets | 31.6940% | 5,464 |
| Net loans and leases to deposits | 46.7286% | 5,232 |
| Net loans and leases to core deposits | 57.2525% | 4,940 |
| Total domestic deposits to total assets | 67.8257% | 5,541 |
| Equity capital to assets | 14.4202% | 878 |
| Core capital (leverage) ratio | 14.1223% | 861 |
| Tier 1 risk-based capital ratio | 30.2253% | 471 |
| Total risk-based capital ratio | 31.1793% | 473 |
| Memoranda: | ||
| Average total assets | $477,891,000 | 1,469 |
| Average earning assets | $430,728,500 | 1,515 |
| Average equity | $70,564,000 | 1,137 |
| Average total loans | $144,760,000 | 2,729 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2712% | 5,146 |
| Cost of funding earning assets | 0.3182% | 3,897 |
| Net interest margin | 2.9530% | 5,000 |
| Noninterest income to average assets | 1.4787% | 495 |
| Noninterest expense to average assets | 2.7162% | 3,033 |
| Loan and lease loss provision to assets | 0.4167% | 310 |
| Net operating income to assets | 0.6429% | 4,117 |
| Return on assets (ROA) | 0.6394% | 4,177 |
| Pretax return on assets | 0.9994% | 3,572 |
| Return on Equity (ROE) | 4.2960% | 4,734 |
| Retained earnings to average equity (ytd only) | 4.2960% | 3,150 |
| Net charge-offs to loans | 0.8111% | 245 |
| Credit loss provision to net charge-offs | 173.1239% | 1,390 |
| Earnings coverage of net charge-offs (x) | 5.9058% | 2,765 |
| Efficiency ratio | 65.5025% | 3,435 |
| Assets per employee ($millions) | 4.1153% | 3,760 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2572% | 2,644 |
| Loan loss allowance to noncurrent loans | 36.8150% | 4,842 |
| Noncurrent assets plus other real estate owned to assets | 1.1340% | 1,526 |
| Noncurrent loans to loans | 3.4150% | 342 |
| Net loans and leases to total assets | 30.8842% | 5,526 |
| Net loans and leases to deposits | 44.5464% | 5,323 |
| Net loans and leases to core deposits | 54.7624% | 5,055 |
| Total domestic deposits to total assets | 69.3303% | 5,562 |
| Equity capital to assets | 15.1497% | 681 |
| Core capital (leverage) ratio | 14.4011% | 765 |
| Tier 1 risk-based capital ratio | 32.6867% | 380 |
| Total risk-based capital ratio | 33.6022% | 381 |
| Memoranda: | ||
| Average total assets | $476,099,670 | 1,478 |
| Average earning assets | $428,711,000 | 1,522 |
| Average equity | $70,856,000 | 1,126 |
| Average total loans | $141,281,000 | 2,787 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1942% | 5,255 |
| Cost of funding earning assets | 0.2866% | 4,178 |
| Net interest margin | 2.9077% | 5,069 |
| Noninterest income to average assets | 1.4559% | 509 |
| Noninterest expense to average assets | 2.6797% | 3,214 |
| Loan and lease loss provision to assets | 0.5361% | 188 |
| Net operating income to assets | 0.5467% | 4,393 |
| Return on assets (ROA) | 0.5386% | 4,472 |
| Pretax return on assets | 0.8452% | 3,952 |
| Return on Equity (ROE) | 3.6516% | 4,897 |
| Retained earnings to average equity (ytd only) | 3.6516% | 3,611 |
| Net charge-offs to loans | 1.1921% | 150 |
| Credit loss provision to net charge-offs | 155.7178% | 1,185 |
| Earnings coverage of net charge-offs (x) | 4.0487% | 2,423 |
| Efficiency ratio | 65.4946% | 3,578 |
| Assets per employee ($millions) | 3.9697% | 4,066 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1795% | 3,258 |
| Loan loss allowance to noncurrent loans | 33.8125% | 4,974 |
| Noncurrent assets plus other real estate owned to assets | 1.0972% | 1,625 |
| Noncurrent loans to loans | 3.4884% | 351 |
| Net loans and leases to total assets | 29.1286% | 5,607 |
| Net loans and leases to deposits | 40.5639% | 5,454 |
| Net loans and leases to core deposits | 51.4409% | 5,166 |
| Total domestic deposits to total assets | 71.8093% | 5,551 |
| Equity capital to assets | 14.7220% | 707 |
| Core capital (leverage) ratio | 14.4399% | 729 |
| Tier 1 risk-based capital ratio | 33.1841% | 372 |
| Total risk-based capital ratio | 34.0316% | 375 |
| Memoranda: | ||
| Average total assets | $477,518,500 | 1,480 |
| Average earning assets | $429,898,500 | 1,525 |
| Average equity | $70,435,000 | 1,128 |
| Average total loans | $137,909,500 | 2,848 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1032% | 5,400 |
| Cost of funding earning assets | 0.2641% | 4,426 |
| Net interest margin | 2.8391% | 5,223 |
| Noninterest income to average assets | 1.4376% | 561 |
| Noninterest expense to average assets | 2.5305% | 3,917 |
| Loan and lease loss provision to assets | 0.2481% | 847 |
| Net operating income to assets | 0.7963% | 3,319 |
| Return on assets (ROA) | 0.7674% | 3,566 |
| Pretax return on assets | 1.1829% | 2,751 |
| Return on Equity (ROE) | 5.2361% | 4,307 |
| Retained earnings to average equity (ytd only) | -0.2026% | 5,337 |
| Net charge-offs to loans | 0.8703% | 223 |
| Credit loss provision to net charge-offs | 115.3846% | 2,278 |
| Earnings coverage of net charge-offs (x) | 6.8619% | 3,109 |
| Efficiency ratio | 62.8196% | 4,133 |
| Assets per employee ($millions) | 4.0573% | 3,854 |
| Cash dividends to net income (ytd only)* | 103.8691% | 323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0742% | 3,864 |
| Loan loss allowance to noncurrent loans | 56.9285% | 4,522 |
| Noncurrent assets plus other real estate owned to assets | 0.6092% | 2,905 |
| Noncurrent loans to loans | 1.8870% | 980 |
| Net loans and leases to total assets | 27.9738% | 5,681 |
| Net loans and leases to deposits | 38.7713% | 5,583 |
| Net loans and leases to core deposits | 49.3251% | 5,320 |
| Total domestic deposits to total assets | 72.1507% | 5,548 |
| Equity capital to assets | 14.7787% | 675 |
| Core capital (leverage) ratio | 13.8712% | 851 |
| Tier 1 risk-based capital ratio | 34.0861% | 347 |
| Total risk-based capital ratio | 34.8480% | 354 |
| Memoranda: | ||
| Average total assets | $501,797,600 | 1,373 |
| Average earning assets | $453,949,000 | 1,411 |
| Average equity | $73,547,400 | 1,077 |
| Average total loans | $123,978,200 | 3,012 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0999% | 5,471 |
| Cost of funding earning assets | 0.2609% | 4,498 |
| Net interest margin | 2.8390% | 5,285 |
| Noninterest income to average assets | 1.4188% | 590 |
| Noninterest expense to average assets | 2.5184% | 3,932 |
| Loan and lease loss provision to assets | 0.1022% | 2,208 |
| Net operating income to assets | 0.8927% | 2,944 |
| Return on assets (ROA) | 0.8547% | 3,259 |
| Pretax return on assets | 1.3129% | 2,374 |
| Return on Equity (ROE) | 5.8425% | 4,148 |
| Retained earnings to average equity (ytd only) | -1.3262% | 5,533 |
| Net charge-offs to loans | 0.5117% | 414 |
| Credit loss provision to net charge-offs | 83.6910% | 2,618 |
| Earnings coverage of net charge-offs (x) | 12.0622% | 2,424 |
| Efficiency ratio | 62.7438% | 4,103 |
| Assets per employee ($millions) | 4.1635% | 3,666 |
| Cash dividends to net income (ytd only)* | 122.6993% | 216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9246% | 4,784 |
| Loan loss allowance to noncurrent loans | 48.8599% | 4,765 |
| Noncurrent assets plus other real estate owned to assets | 0.5645% | 3,220 |
| Noncurrent loans to loans | 1.8923% | 1,061 |
| Net loans and leases to total assets | 25.9536% | 5,797 |
| Net loans and leases to deposits | 37.0670% | 5,699 |
| Net loans and leases to core deposits | 44.7902% | 5,554 |
| Total domestic deposits to total assets | 70.0180% | 5,694 |
| Equity capital to assets | 14.8070% | 788 |
| Core capital (leverage) ratio | 13.3515% | 1,046 |
| Tier 1 risk-based capital ratio | 33.8444% | 363 |
| Total risk-based capital ratio | 34.4962% | 373 |
| Memoranda: | ||
| Average total assets | $508,569,750 | 1,352 |
| Average earning assets | $460,956,250 | 1,386 |
| Average equity | $74,395,250 | 1,074 |
| Average total loans | $121,413,750 | 3,048 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0980% | 5,546 |
| Cost of funding earning assets | 0.2576% | 4,574 |
| Net interest margin | 2.8404% | 5,360 |
| Noninterest income to average assets | 1.3378% | 636 |
| Noninterest expense to average assets | 2.4498% | 4,181 |
| Loan and lease loss provision to assets | -0.0004% | 5,737 |
| Net operating income to assets | 0.9428% | 2,657 |
| Return on assets (ROA) | 0.8956% | 3,007 |
| Pretax return on assets | 1.3900% | 2,066 |
| Return on Equity (ROE) | 6.1467% | 3,978 |
| Retained earnings to average equity (ytd only) | 6.1467% | 2,041 |
| Net charge-offs to loans | 0.4434% | 511 |
| Credit loss provision to net charge-offs | -0.3802% | 4,431 |
| Earnings coverage of net charge-offs (x) | 14.2700% | 2,067 |
| Efficiency ratio | 62.2559% | 4,307 |
| Assets per employee ($millions) | 4.5586% | 2,924 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8331% | 5,185 |
| Loan loss allowance to noncurrent loans | 34.6575% | 5,183 |
| Noncurrent assets plus other real estate owned to assets | 0.6221% | 3,141 |
| Noncurrent loans to loans | 2.4037% | 748 |
| Net loans and leases to total assets | 23.8076% | 5,897 |
| Net loans and leases to deposits | 35.2086% | 5,801 |
| Net loans and leases to core deposits | 42.3774% | 5,669 |
| Total domestic deposits to total assets | 67.6186% | 5,848 |
| Equity capital to assets | 15.2557% | 682 |
| Core capital (leverage) ratio | 13.0622% | 1,123 |
| Tier 1 risk-based capital ratio | 35.3290% | 326 |
| Total risk-based capital ratio | 35.8869% | 337 |
| Memoranda: | ||
| Average total assets | $512,939,330 | 1,348 |
| Average earning assets | $465,069,670 | 1,370 |
| Average equity | $74,739,330 | 1,066 |
| Average total loans | $118,621,670 | 3,103 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0153% | 5,674 |
| Cost of funding earning assets | 0.2367% | 4,842 |
| Net interest margin | 2.7786% | 5,503 |
| Noninterest income to average assets | 1.2982% | 650 |
| Noninterest expense to average assets | 2.3137% | 4,622 |
| Loan and lease loss provision to assets | -0.1905% | 6,020 |
| Net operating income to assets | 1.0929% | 1,932 |
| Return on assets (ROA) | 1.0929% | 2,030 |
| Pretax return on assets | 1.6932% | 1,082 |
| Return on Equity (ROE) | 7.6777% | 3,097 |
| Retained earnings to average equity (ytd only) | 7.6777% | 1,599 |
| Net charge-offs to loans | 0.4915% | 452 |
| Credit loss provision to net charge-offs | -170.8333% | 4,324 |
| Earnings coverage of net charge-offs (x) | 13.4722% | 1,735 |
| Efficiency ratio | 60.2801% | 4,708 |
| Assets per employee ($millions) | 4.3829% | 3,269 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7410% | 5,515 |
| Loan loss allowance to noncurrent loans | 118.9262% | 3,246 |
| Noncurrent assets plus other real estate owned to assets | 0.1831% | 4,831 |
| Noncurrent loans to loans | 0.6231% | 3,307 |
| Net loans and leases to total assets | 22.5660% | 5,963 |
| Net loans and leases to deposits | 32.3918% | 5,893 |
| Net loans and leases to core deposits | 39.0807% | 5,795 |
| Total domestic deposits to total assets | 69.6657% | 5,879 |
| Equity capital to assets | 14.3559% | 867 |
| Core capital (leverage) ratio | 13.4803% | 992 |
| Tier 1 risk-based capital ratio | 36.2580% | 303 |
| Total risk-based capital ratio | 36.7641% | 317 |
| Memoranda: | ||
| Average total assets | $516,405,500 | 1,339 |
| Average earning assets | $468,011,500 | 1,355 |
| Average equity | $73,511,500 | 1,081 |
| Average total loans | $117,192,500 | 3,129 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9590% | 5,759 |
| Cost of funding earning assets | 0.2046% | 5,247 |
| Net interest margin | 2.7544% | 5,589 |
| Noninterest income to average assets | 1.9248% | 378 |
| Noninterest expense to average assets | 2.2179% | 5,014 |
| Loan and lease loss provision to assets | 0.1894% | 1,172 |
| Net operating income to assets | 1.4796% | 894 |
| Return on assets (ROA) | 1.4796% | 924 |
| Pretax return on assets | 2.0200% | 518 |
| Return on Equity (ROE) | 11.4625% | 1,451 |
| Retained earnings to average equity (ytd only) | 8.5937% | 755 |
| Net charge-offs to loans | 0.5456% | 465 |
| Credit loss provision to net charge-offs | 169.0909% | 1,597 |
| Earnings coverage of net charge-offs (x) | 19.7240% | 1,928 |
| Efficiency ratio | 49.7700% | 5,768 |
| Assets per employee ($millions) | 4.1208% | 3,714 |
| Cash dividends to net income (ytd only)* | 25.0282% | 3,567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1114% | 3,983 |
| Loan loss allowance to noncurrent loans | 161.7237% | 2,661 |
| Noncurrent assets plus other real estate owned to assets | 0.2275% | 4,683 |
| Noncurrent loans to loans | 0.6872% | 3,131 |
| Net loans and leases to total assets | 22.4000% | 6,027 |
| Net loans and leases to deposits | 31.4456% | 5,975 |
| Net loans and leases to core deposits | 37.7845% | 5,883 |
| Total domestic deposits to total assets | 71.2343% | 5,839 |
| Equity capital to assets | 14.1100% | 894 |
| Core capital (leverage) ratio | 13.1458% | 1,098 |
| Tier 1 risk-based capital ratio | 35.7094% | 321 |
| Total risk-based capital ratio | 36.4203% | 331 |
| Memoranda: | ||
| Average total assets | $540,096,200 | 1,257 |
| Average earning assets | $490,709,400 | 1,271 |
| Average equity | $69,714,200 | 1,092 |
| Average total loans | $110,892,600 | 3,182 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9447% | 5,859 |
| Cost of funding earning assets | 0.2032% | 5,348 |
| Net interest margin | 2.7415% | 5,678 |
| Noninterest income to average assets | 1.3953% | 639 |
| Noninterest expense to average assets | 2.1961% | 5,063 |
| Loan and lease loss provision to assets | 0.1575% | 1,367 |
| Net operating income to assets | 0.9842% | 2,549 |
| Return on assets (ROA) | 0.9842% | 2,632 |
| Pretax return on assets | 1.5380% | 1,582 |
| Return on Equity (ROE) | 7.7923% | 3,195 |
| Retained earnings to average equity (ytd only) | 3.9424% | 3,662 |
| Net charge-offs to loans | 0.5265% | 450 |
| Credit loss provision to net charge-offs | 149.3088% | 1,687 |
| Earnings coverage of net charge-offs (x) | 16.0692% | 2,141 |
| Efficiency ratio | 56.0630% | 5,344 |
| Assets per employee ($millions) | 4.3376% | 3,264 |
| Cash dividends to net income (ytd only)* | 49.4071% | 1,894 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9608% | 4,938 |
| Loan loss allowance to noncurrent loans | 228.0851% | 2,029 |
| Noncurrent assets plus other real estate owned to assets | 0.1604% | 5,122 |
| Noncurrent loans to loans | 0.4212% | 4,090 |
| Net loans and leases to total assets | 20.7118% | 6,128 |
| Net loans and leases to deposits | 30.1181% | 6,077 |
| Net loans and leases to core deposits | 36.4377% | 6,007 |
| Total domestic deposits to total assets | 68.7685% | 6,017 |
| Equity capital to assets | 13.1046% | 1,391 |
| Core capital (leverage) ratio | 11.9983% | 1,673 |
| Tier 1 risk-based capital ratio | 33.7759% | 387 |
| Total risk-based capital ratio | 34.3889% | 403 |
| Memoranda: | ||
| Average total assets | $548,405,000 | 1,243 |
| Average earning assets | $499,366,000 | 1,256 |
| Average equity | $69,263,250 | 1,104 |
| Average total loans | $109,912,500 | 3,234 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9819% | 5,876 |
| Cost of funding earning assets | 0.2038% | 5,404 |
| Net interest margin | 2.7780% | 5,661 |
| Noninterest income to average assets | 1.3694% | 662 |
| Noninterest expense to average assets | 2.1219% | 5,289 |
| Loan and lease loss provision to assets | 0.0846% | 2,427 |
| Net operating income to assets | 1.0995% | 1,959 |
| Return on assets (ROA) | 1.0995% | 2,049 |
| Pretax return on assets | 1.6947% | 1,093 |
| Return on Equity (ROE) | 8.8116% | 2,647 |
| Retained earnings to average equity (ytd only) | 8.8116% | 985 |
| Net charge-offs to loans | 0.1628% | 1,495 |
| Credit loss provision to net charge-offs | 262.9213% | 1,013 |
| Earnings coverage of net charge-offs (x) | 55.3146% | 893 |
| Efficiency ratio | 54.0300% | 5,587 |
| Assets per employee ($millions) | 4.3020% | 3,300 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9527% | 5,086 |
| Loan loss allowance to noncurrent loans | 177.2085% | 2,446 |
| Noncurrent assets plus other real estate owned to assets | 0.1762% | 5,162 |
| Noncurrent loans to loans | 0.5376% | 3,842 |
| Net loans and leases to total assets | 19.5474% | 6,212 |
| Net loans and leases to deposits | 28.4404% | 6,161 |
| Net loans and leases to core deposits | 35.1370% | 6,090 |
| Total domestic deposits to total assets | 68.7312% | 6,089 |
| Equity capital to assets | 13.0473% | 1,379 |
| Core capital (leverage) ratio | 11.7091% | 1,833 |
| Tier 1 risk-based capital ratio | 35.6916% | 347 |
| Total risk-based capital ratio | 36.2852% | 362 |
| Memoranda: | ||
| Average total assets | $553,365,670 | 1,241 |
| Average earning assets | $504,316,000 | 1,252 |
| Average equity | $69,045,670 | 1,112 |
| Average total loans | $109,358,670 | 3,263 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9800% | 5,917 |
| Cost of funding earning assets | 0.2037% | 5,480 |
| Net interest margin | 2.7763% | 5,693 |
| Noninterest income to average assets | 1.2916% | 690 |
| Noninterest expense to average assets | 2.0443% | 5,496 |
| Loan and lease loss provision to assets | 0.1626% | 1,240 |
| Net operating income to assets | 1.0758% | 1,947 |
| Return on assets (ROA) | 1.0758% | 2,067 |
| Pretax return on assets | 1.6197% | 1,223 |
| Return on Equity (ROE) | 8.8122% | 2,540 |
| Retained earnings to average equity (ytd only) | 8.8122% | 1,265 |
| Net charge-offs to loans | 0.1795% | 1,210 |
| Credit loss provision to net charge-offs | 458.0000% | 587 |
| Earnings coverage of net charge-offs (x) | 50.2000% | 837 |
| Efficiency ratio | 53.0525% | 5,746 |
| Assets per employee ($millions) | 4.5379% | 2,987 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9349% | 5,316 |
| Loan loss allowance to noncurrent loans | 756.9343% | 699 |
| Noncurrent assets plus other real estate owned to assets | 0.0878% | 5,587 |
| Noncurrent loans to loans | 0.1235% | 5,332 |
| Net loans and leases to total assets | 19.5288% | 6,274 |
| Net loans and leases to deposits | 27.7865% | 6,223 |
| Net loans and leases to core deposits | 34.7712% | 6,128 |
| Total domestic deposits to total assets | 70.2816% | 6,114 |
| Equity capital to assets | 12.4922% | 1,698 |
| Core capital (leverage) ratio | 11.0798% | 2,335 |
| Tier 1 risk-based capital ratio | 33.4807% | 406 |
| Total risk-based capital ratio | 34.0802% | 429 |
| Memoranda: | ||
| Average total assets | $563,327,500 | 1,227 |
| Average earning assets | $514,358,000 | 1,240 |
| Average equity | $68,768,500 | 1,122 |
| Average total loans | $111,399,500 | 3,240 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0334% | 6,025 |
| Cost of funding earning assets | 0.2236% | 5,565 |
| Net interest margin | 2.8098% | 5,789 |
| Noninterest income to average assets | 1.4281% | 596 |
| Noninterest expense to average assets | 2.0287% | 5,715 |
| Loan and lease loss provision to assets | 0.0515% | 3,531 |
| Net operating income to assets | 1.2450% | 1,451 |
| Return on assets (ROA) | 1.2450% | 1,508 |
| Pretax return on assets | 1.9054% | 635 |
| Return on Equity (ROE) | 10.6688% | 1,827 |
| Retained earnings to average equity (ytd only) | 5.2867% | 2,412 |
| Net charge-offs to loans | 0.5609% | 725 |
| Credit loss provision to net charge-offs | 47.5954% | 3,536 |
| Earnings coverage of net charge-offs (x) | 18.0846% | 1,865 |
| Efficiency ratio | 50.5043% | 6,068 |
| Assets per employee ($millions) | 4.5481% | 2,958 |
| Cash dividends to net income (ytd only)* | 50.4468% | 2,250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7669% | 5,852 |
| Loan loss allowance to noncurrent loans | 626.2774% | 893 |
| Noncurrent assets plus other real estate owned to assets | 0.0876% | 5,681 |
| Noncurrent loans to loans | 0.1225% | 5,409 |
| Net loans and leases to total assets | 19.6851% | 6,370 |
| Net loans and leases to deposits | 28.9893% | 6,306 |
| Net loans and leases to core deposits | 37.3064% | 6,171 |
| Total domestic deposits to total assets | 67.9048% | 6,273 |
| Equity capital to assets | 11.9236% | 2,068 |
| Core capital (leverage) ratio | 10.8752% | 2,527 |
| Tier 1 risk-based capital ratio | 33.3261% | 388 |
| Total risk-based capital ratio | 33.8318% | 402 |
| Memoranda: | ||
| Average total assets | $557,249,400 | 1,198 |
| Average earning assets | $507,224,200 | 1,209 |
| Average equity | $65,031,000 | 1,130 |
| Average total loans | $107,513,800 | 3,275 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0524% | 6,084 |
| Cost of funding earning assets | 0.2239% | 5,635 |
| Net interest margin | 2.8285% | 5,831 |
| Noninterest income to average assets | 1.4414% | 608 |
| Noninterest expense to average assets | 2.0912% | 5,592 |
| Loan and lease loss provision to assets | 0.0425% | 3,548 |
| Net operating income to assets | 1.2235% | 1,598 |
| Return on assets (ROA) | 1.2235% | 1,658 |
| Pretax return on assets | 1.8813% | 746 |
| Return on Equity (ROE) | 10.5419% | 1,971 |
| Retained earnings to average equity (ytd only) | 3.3044% | 4,269 |
| Net charge-offs to loans | 0.4047% | 977 |
| Credit loss provision to net charge-offs | 54.7988% | 3,031 |
| Earnings coverage of net charge-offs (x) | 24.8171% | 1,527 |
| Efficiency ratio | 51.6916% | 6,011 |
| Assets per employee ($millions) | 4.5601% | 2,868 |
| Cash dividends to net income (ytd only)* | 68.6544% | 1,073 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9287% | 5,503 |
| Loan loss allowance to noncurrent loans | 200.3899% | 2,154 |
| Noncurrent assets plus other real estate owned to assets | 0.1405% | 5,623 |
| Noncurrent loans to loans | 0.4634% | 4,515 |
| Net loans and leases to total assets | 19.5515% | 6,454 |
| Net loans and leases to deposits | 29.4530% | 6,378 |
| Net loans and leases to core deposits | 36.7064% | 6,267 |
| Total domestic deposits to total assets | 66.3822% | 6,398 |
| Equity capital to assets | 11.5397% | 2,442 |
| Core capital (leverage) ratio | 10.6468% | 2,865 |
| Tier 1 risk-based capital ratio | 32.0539% | 440 |
| Total risk-based capital ratio | 32.6457% | 449 |
| Memoranda: | ||
| Average total assets | $555,572,000 | 1,208 |
| Average earning assets | $505,517,500 | 1,225 |
| Average equity | $64,477,750 | 1,146 |
| Average total loans | $106,423,750 | 3,318 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0781% | 6,093 |
| Cost of funding earning assets | 0.2232% | 5,720 |
| Net interest margin | 2.8548% | 5,810 |
| Noninterest income to average assets | 1.4446% | 579 |
| Noninterest expense to average assets | 2.0535% | 5,717 |
| Loan and lease loss provision to assets | -0.0087% | 6,226 |
| Net operating income to assets | 1.2904% | 1,338 |
| Return on assets (ROA) | 1.2904% | 1,393 |
| Pretax return on assets | 1.9953% | 561 |
| Return on Equity (ROE) | 11.0971% | 1,714 |
| Retained earnings to average equity (ytd only) | 4.8855% | 3,028 |
| Net charge-offs to loans | 0.4057% | 1,002 |
| Credit loss provision to net charge-offs | -11.2676% | 5,080 |
| Earnings coverage of net charge-offs (x) | 25.8263% | 1,393 |
| Efficiency ratio | 50.4335% | 6,153 |
| Assets per employee ($millions) | 4.8784% | 2,367 |
| Cash dividends to net income (ytd only)* | 55.9754% | 1,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9212% | 5,663 |
| Loan loss allowance to noncurrent loans | 268.9655% | 1,660 |
| Noncurrent assets plus other real estate owned to assets | 0.1118% | 5,826 |
| Noncurrent loans to loans | 0.3425% | 4,983 |
| Net loans and leases to total assets | 17.9450% | 6,539 |
| Net loans and leases to deposits | 26.9380% | 6,479 |
| Net loans and leases to core deposits | 34.7444% | 6,362 |
| Total domestic deposits to total assets | 66.6159% | 6,464 |
| Equity capital to assets | 11.8551% | 2,102 |
| Core capital (leverage) ratio | 10.5838% | 2,841 |
| Tier 1 risk-based capital ratio | 33.5459% | 390 |
| Total risk-based capital ratio | 34.1150% | 408 |
| Memoranda: | ||
| Average total assets | $553,797,000 | 1,207 |
| Average earning assets | $503,500,000 | 1,221 |
| Average equity | $64,395,000 | 1,139 |
| Average total loans | $105,001,000 | 3,358 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0927% | 6,135 |
| Cost of funding earning assets | 0.2235% | 5,812 |
| Net interest margin | 2.8692% | 5,813 |
| Noninterest income to average assets | 1.4090% | 585 |
| Noninterest expense to average assets | 1.9753% | 5,934 |
| Loan and lease loss provision to assets | 0.2545% | 842 |
| Net operating income to assets | 1.1581% | 1,602 |
| Return on assets (ROA) | 1.1581% | 1,673 |
| Pretax return on assets | 1.7928% | 808 |
| Return on Equity (ROE) | 10.0603% | 2,016 |
| Retained earnings to average equity (ytd only) | 10.0603% | 946 |
| Net charge-offs to loans | 0.4611% | 788 |
| Credit loss provision to net charge-offs | 284.5528% | 827 |
| Earnings coverage of net charge-offs (x) | 22.8943% | 1,233 |
| Efficiency ratio | 48.7078% | 6,324 |
| Assets per employee ($millions) | 4.7886% | 2,538 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3620% | 3,781 |
| Loan loss allowance to noncurrent loans | 1,868.0000% | 306 |
| Noncurrent assets plus other real estate owned to assets | 0.0648% | 6,082 |
| Noncurrent loans to loans | 0.0729% | 5,920 |
| Net loans and leases to total assets | 18.5867% | 6,600 |
| Net loans and leases to deposits | 25.7403% | 6,550 |
| Net loans and leases to core deposits | 33.7575% | 6,416 |
| Total domestic deposits to total assets | 72.2088% | 6,346 |
| Equity capital to assets | 11.8606% | 1,971 |
| Core capital (leverage) ratio | 10.7542% | 2,647 |
| Tier 1 risk-based capital ratio | 34.1351% | 374 |
| Total risk-based capital ratio | 34.9830% | 386 |
| Memoranda: | ||
| Average total assets | $550,188,000 | 1,225 |
| Average earning assets | $501,187,000 | 1,238 |
| Average equity | $63,338,000 | 1,159 |
| Average total loans | $106,696,500 | 3,325 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8720% | 6,448 |
| Cost of funding earning assets | 0.2782% | 5,774 |
| Net interest margin | 2.5939% | 6,270 |
| Noninterest income to average assets | 1.6106% | 553 |
| Noninterest expense to average assets | 2.1712% | 5,692 |
| Loan and lease loss provision to assets | 0.0615% | 3,909 |
| Net operating income to assets | 1.1429% | 1,785 |
| Return on assets (ROA) | 1.1429% | 1,850 |
| Pretax return on assets | 1.7317% | 892 |
| Return on Equity (ROE) | 9.4000% | 2,371 |
| Retained earnings to average equity (ytd only) | 5.4471% | 2,317 |
| Net charge-offs to loans | 0.5584% | 1,179 |
| Credit loss provision to net charge-offs | 51.5298% | 3,778 |
| Earnings coverage of net charge-offs (x) | 15.0209% | 1,906 |
| Efficiency ratio | 54.2964% | 6,110 |
| Assets per employee ($millions) | 5.3833% | 1,761 |
| Cash dividends to net income (ytd only)* | 42.0521% | 2,706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0622% | 5,302 |
| Loan loss allowance to noncurrent loans | 733.7500% | 682 |
| Noncurrent assets plus other real estate owned to assets | 0.0792% | 6,110 |
| Noncurrent loans to loans | 0.1448% | 5,762 |
| Net loans and leases to total assets | 19.7219% | 6,672 |
| Net loans and leases to deposits | 28.3057% | 6,611 |
| Net loans and leases to core deposits | 37.4576% | 6,432 |
| Total domestic deposits to total assets | 69.6744% | 6,534 |
| Equity capital to assets | 11.1689% | 2,461 |
| Core capital (leverage) ratio | 10.6433% | 2,738 |
| Tier 1 risk-based capital ratio | 31.9644% | 430 |
| Total risk-based capital ratio | 32.6528% | 445 |
| Memoranda: | ||
| Average total assets | $520,171,600 | 1,275 |
| Average earning assets | $472,037,800 | 1,289 |
| Average equity | $63,244,400 | 1,133 |
| Average total loans | $111,206,000 | 3,228 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8340% | 6,547 |
| Cost of funding earning assets | 0.2906% | 5,806 |
| Net interest margin | 2.5434% | 6,391 |
| Noninterest income to average assets | 1.6489% | 546 |
| Noninterest expense to average assets | 2.2793% | 5,408 |
| Loan and lease loss provision to assets | 0.1566% | 2,300 |
| Net operating income to assets | 1.0068% | 2,352 |
| Return on assets (ROA) | 1.0068% | 2,437 |
| Pretax return on assets | 1.5170% | 1,556 |
| Return on Equity (ROE) | 8.1017% | 3,071 |
| Retained earnings to average equity (ytd only) | 8.1017% | 1,367 |
| Net charge-offs to loans | 0.6596% | 921 |
| Credit loss provision to net charge-offs | 109.0744% | 2,155 |
| Earnings coverage of net charge-offs (x) | 11.6551% | 2,215 |
| Efficiency ratio | 57.1730% | 5,780 |
| Assets per employee ($millions) | 4.7557% | 2,498 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3992% | 3,899 |
| Loan loss allowance to noncurrent loans | 1,192.1875% | 402 |
| Noncurrent assets plus other real estate owned to assets | 0.0751% | 6,210 |
| Noncurrent loans to loans | 0.1174% | 5,974 |
| Net loans and leases to total assets | 19.8352% | 6,751 |
| Net loans and leases to deposits | 27.8355% | 6,700 |
| Net loans and leases to core deposits | 36.8276% | 6,536 |
| Total domestic deposits to total assets | 71.2589% | 6,536 |
| Equity capital to assets | 11.8803% | 1,994 |
| Core capital (leverage) ratio | 11.6787% | 1,900 |
| Tier 1 risk-based capital ratio | 32.9622% | 400 |
| Total risk-based capital ratio | 33.8705% | 409 |
| Memoranda: | ||
| Average total assets | $511,595,500 | 1,307 |
| Average earning assets | $463,464,000 | 1,320 |
| Average equity | $63,573,250 | 1,145 |
| Average total loans | $111,375,750 | 3,241 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8622% | 6,568 |
| Cost of funding earning assets | 0.3078% | 5,767 |
| Net interest margin | 2.5544% | 6,379 |
| Noninterest income to average assets | 1.6462% | 594 |
| Noninterest expense to average assets | 2.3394% | 5,245 |
| Loan and lease loss provision to assets | 0.0694% | 3,648 |
| Net operating income to assets | 1.0427% | 2,141 |
| Return on assets (ROA) | 1.0427% | 2,264 |
| Pretax return on assets | 1.5512% | 1,479 |
| Return on Equity (ROE) | 8.2598% | 2,960 |
| Retained earnings to average equity (ytd only) | 8.2598% | 1,382 |
| Net charge-offs to loans | 0.6046% | 1,094 |
| Credit loss provision to net charge-offs | 51.3274% | 3,184 |
| Earnings coverage of net charge-offs (x) | 11.9853% | 2,015 |
| Efficiency ratio | 58.5616% | 5,660 |
| Assets per employee ($millions) | 4.2430% | 3,265 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1986% | 5,001 |
| Loan loss allowance to noncurrent loans | 249.0494% | 1,644 |
| Noncurrent assets plus other real estate owned to assets | 0.1594% | 6,017 |
| Noncurrent loans to loans | 0.4813% | 5,065 |
| Net loans and leases to total assets | 22.3245% | 6,757 |
| Net loans and leases to deposits | 27.0548% | 6,753 |
| Net loans and leases to core deposits | 36.0699% | 6,606 |
| Total domestic deposits to total assets | 82.5159% | 4,877 |
| Equity capital to assets | 12.9574% | 1,360 |
| Core capital (leverage) ratio | 11.5009% | 1,935 |
| Tier 1 risk-based capital ratio | 34.6117% | 350 |
| Total risk-based capital ratio | 35.4553% | 354 |
| Memoranda: | ||
| Average total assets | $501,410,330 | 1,332 |
| Average earning assets | $454,196,670 | 1,345 |
| Average equity | $63,294,670 | 1,155 |
| Average total loans | $112,146,670 | 3,223 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8087% | 6,673 |
| Cost of funding earning assets | 0.3137% | 5,857 |
| Net interest margin | 2.4950% | 6,517 |
| Noninterest income to average assets | 1.6384% | 579 |
| Noninterest expense to average assets | 2.2749% | 5,490 |
| Loan and lease loss provision to assets | 0.2908% | 1,206 |
| Net operating income to assets | 0.9438% | 2,457 |
| Return on assets (ROA) | 0.9438% | 2,601 |
| Pretax return on assets | 1.3358% | 2,096 |
| Return on Equity (ROE) | 7.5718% | 3,178 |
| Retained earnings to average equity (ytd only) | 7.5718% | 1,910 |
| Net charge-offs to loans | 0.5283% | 1,141 |
| Credit loss provision to net charge-offs | 247.3333% | 935 |
| Earnings coverage of net charge-offs (x) | 13.8333% | 1,495 |
| Efficiency ratio | 57.7657% | 5,877 |
| Assets per employee ($millions) | 4.1394% | 3,647 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5075% | 3,797 |
| Loan loss allowance to noncurrent loans | 326.7823% | 1,224 |
| Noncurrent assets plus other real estate owned to assets | 0.1396% | 6,154 |
| Noncurrent loans to loans | 0.4613% | 5,267 |
| Net loans and leases to total assets | 21.7638% | 6,827 |
| Net loans and leases to deposits | 26.4346% | 6,812 |
| Net loans and leases to core deposits | 35.4994% | 6,635 |
| Total domestic deposits to total assets | 82.3307% | 5,084 |
| Equity capital to assets | 12.6603% | 1,611 |
| Core capital (leverage) ratio | 10.9187% | 2,334 |
| Tier 1 risk-based capital ratio | 33.2646% | 404 |
| Total risk-based capital ratio | 34.3608% | 397 |
| Memoranda: | ||
| Average total assets | $510,265,000 | 1,319 |
| Average earning assets | $462,849,500 | 1,327 |
| Average equity | $63,604,500 | 1,164 |
| Average total loans | $113,573,000 | 3,217 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0342% | 6,755 |
| Cost of funding earning assets | 0.3886% | 5,987 |
| Net interest margin | 2.6456% | 6,590 |
| Noninterest income to average assets | 1.5641% | 642 |
| Noninterest expense to average assets | 2.1780% | 5,970 |
| Loan and lease loss provision to assets | 0.0588% | 5,038 |
| Net operating income to assets | 1.1389% | 1,809 |
| Return on assets (ROA) | 1.1509% | 1,932 |
| Pretax return on assets | 1.7543% | 1,016 |
| Return on Equity (ROE) | 8.5610% | 2,844 |
| Retained earnings to average equity (ytd only) | -5.1562% | 6,437 |
| Net charge-offs to loans | 0.5726% | 2,011 |
| Credit loss provision to net charge-offs | 43.5103% | 4,850 |
| Earnings coverage of net charge-offs (x) | 13.2802% | 1,844 |
| Efficiency ratio | 54.2827% | 6,240 |
| Assets per employee ($millions) | 4.4468% | 3,059 |
| Cash dividends to net income (ytd only)* | 160.2287% | 190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2866% | 4,706 |
| Loan loss allowance to noncurrent loans | 888.5542% | 502 |
| Noncurrent assets plus other real estate owned to assets | 0.0686% | 6,437 |
| Noncurrent loans to loans | 0.1448% | 6,119 |
| Net loans and leases to total assets | 22.1293% | 6,895 |
| Net loans and leases to deposits | 27.3591% | 6,886 |
| Net loans and leases to core deposits | 37.2901% | 6,700 |
| Total domestic deposits to total assets | 80.8845% | 5,437 |
| Equity capital to assets | 12.2705% | 1,877 |
| Core capital (leverage) ratio | 10.6372% | 2,611 |
| Tier 1 risk-based capital ratio | 32.1841% | 424 |
| Total risk-based capital ratio | 33.1411% | 428 |
| Memoranda: | ||
| Average total assets | $501,617,800 | 1,329 |
| Average earning assets | $456,728,800 | 1,339 |
| Average equity | $67,433,600 | 1,040 |
| Average total loans | $118,409,600 | 3,115 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0570% | 6,870 |
| Cost of funding earning assets | 0.3967% | 6,139 |
| Net interest margin | 2.6603% | 6,695 |
| Noninterest income to average assets | 1.5572% | 613 |
| Noninterest expense to average assets | 2.2677% | 5,780 |
| Loan and lease loss provision to assets | 0.0534% | 5,081 |
| Net operating income to assets | 1.0967% | 2,105 |
| Return on assets (ROA) | 1.1127% | 2,240 |
| Pretax return on assets | 1.6859% | 1,306 |
| Return on Equity (ROE) | 8.0964% | 3,241 |
| Retained earnings to average equity (ytd only) | 8.0964% | 1,580 |
| Net charge-offs to loans | 0.6636% | 1,652 |
| Credit loss provision to net charge-offs | 33.6700% | 4,731 |
| Earnings coverage of net charge-offs (x) | 10.8098% | 2,144 |
| Efficiency ratio | 56.4013% | 6,003 |
| Assets per employee ($millions) | 3.9793% | 3,912 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2664% | 4,969 |
| Loan loss allowance to noncurrent loans | 473.7864% | 807 |
| Noncurrent assets plus other real estate owned to assets | 0.0631% | 6,589 |
| Noncurrent loans to loans | 0.2673% | 5,951 |
| Net loans and leases to total assets | 23.3191% | 6,982 |
| Net loans and leases to deposits | 28.6879% | 6,973 |
| Net loans and leases to core deposits | 38.6045% | 6,787 |
| Total domestic deposits to total assets | 81.2854% | 5,273 |
| Equity capital to assets | 14.6182% | 933 |
| Core capital (leverage) ratio | 12.8482% | 1,252 |
| Tier 1 risk-based capital ratio | 38.1566% | 282 |
| Total risk-based capital ratio | 39.1543% | 280 |
| Memoranda: | ||
| Average total assets | $499,177,000 | 1,357 |
| Average earning assets | $455,124,750 | 1,359 |
| Average equity | $68,604,750 | 1,034 |
| Average total loans | $119,352,000 | 3,127 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0699% | 6,947 |
| Cost of funding earning assets | 0.4011% | 6,262 |
| Net interest margin | 2.6688% | 6,745 |
| Noninterest income to average assets | 1.5724% | 597 |
| Noninterest expense to average assets | 2.2654% | 5,830 |
| Loan and lease loss provision to assets | 0.0514% | 5,027 |
| Net operating income to assets | 1.1241% | 1,964 |
| Return on assets (ROA) | 1.1481% | 2,097 |
| Pretax return on assets | 1.7288% | 1,186 |
| Return on Equity (ROE) | 8.5296% | 3,005 |
| Retained earnings to average equity (ytd only) | 8.5296% | 1,440 |
| Net charge-offs to loans | 0.7280% | 1,521 |
| Credit loss provision to net charge-offs | 29.3850% | 4,452 |
| Earnings coverage of net charge-offs (x) | 9.9795% | 2,112 |
| Efficiency ratio | 55.9770% | 6,114 |
| Assets per employee ($millions) | 4.0018% | 3,869 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3155% | 4,826 |
| Loan loss allowance to noncurrent loans | 1,163.9098% | 364 |
| Noncurrent assets plus other real estate owned to assets | 0.0792% | 6,616 |
| Noncurrent loans to loans | 0.1130% | 6,378 |
| Net loans and leases to total assets | 23.4025% | 7,047 |
| Net loans and leases to deposits | 28.1216% | 7,040 |
| Net loans and leases to core deposits | 39.5854% | 6,811 |
| Total domestic deposits to total assets | 83.2190% | 4,669 |
| Equity capital to assets | 13.9438% | 1,119 |
| Core capital (leverage) ratio | 12.1514% | 1,517 |
| Tier 1 risk-based capital ratio | 37.0824% | 303 |
| Total risk-based capital ratio | 38.1234% | 299 |
| Memoranda: | ||
| Average total assets | $502,417,000 | 1,345 |
| Average earning assets | $458,775,330 | 1,346 |
| Average equity | $67,623,000 | 1,038 |
| Average total loans | $120,602,330 | 3,120 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1608% | 6,975 |
| Cost of funding earning assets | 0.4046% | 6,385 |
| Net interest margin | 2.7562% | 6,706 |
| Noninterest income to average assets | 1.5754% | 583 |
| Noninterest expense to average assets | 2.2076% | 6,023 |
| Loan and lease loss provision to assets | 0.2849% | 2,187 |
| Net operating income to assets | 1.0943% | 2,114 |
| Return on assets (ROA) | 1.0943% | 2,306 |
| Pretax return on assets | 1.6000% | 1,580 |
| Return on Equity (ROE) | 8.2767% | 3,156 |
| Retained earnings to average equity (ytd only) | 8.2767% | 1,871 |
| Net charge-offs to loans | 0.4817% | 1,886 |
| Credit loss provision to net charge-offs | 244.8980% | 1,165 |
| Earnings coverage of net charge-offs (x) | 16.2041% | 1,379 |
| Efficiency ratio | 53.4223% | 6,398 |
| Assets per employee ($millions) | 4.4788% | 3,037 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7193% | 3,271 |
| Loan loss allowance to noncurrent loans | 1,183.4286% | 345 |
| Noncurrent assets plus other real estate owned to assets | 0.0966% | 6,640 |
| Noncurrent loans to loans | 0.1453% | 6,396 |
| Net loans and leases to total assets | 23.3921% | 7,094 |
| Net loans and leases to deposits | 27.6514% | 7,097 |
| Net loans and leases to core deposits | 38.1459% | 6,878 |
| Total domestic deposits to total assets | 84.5966% | 4,221 |
| Equity capital to assets | 13.3238% | 1,306 |
| Core capital (leverage) ratio | 11.7415% | 1,742 |
| Tier 1 risk-based capital ratio | 36.1552% | 308 |
| Total risk-based capital ratio | 37.4362% | 300 |
| Memoranda: | ||
| Average total assets | $505,515,000 | 1,345 |
| Average earning assets | $461,657,000 | 1,345 |
| Average equity | $66,838,500 | 1,046 |
| Average total loans | $122,065,500 | 3,103 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6500% | 6,894 |
| Cost of funding earning assets | 0.5052% | 6,504 |
| Net interest margin | 3.1447% | 6,234 |
| Noninterest income to average assets | 1.8152% | 438 |
| Noninterest expense to average assets | 2.4411% | 5,661 |
| Loan and lease loss provision to assets | 0.1233% | 5,065 |
| Net operating income to assets | 1.3659% | 1,094 |
| Return on assets (ROA) | 1.5923% | 734 |
| Pretax return on assets | 2.4563% | 220 |
| Return on Equity (ROE) | 12.2460% | 1,345 |
| Retained earnings to average equity (ytd only) | 6.8729% | 1,564 |
| Net charge-offs to loans | 0.8260% | 2,096 |
| Credit loss provision to net charge-offs | 56.7108% | 5,251 |
| Earnings coverage of net charge-offs (x) | 10.2637% | 1,862 |
| Efficiency ratio | 51.7173% | 6,723 |
| Assets per employee ($millions) | 4.0074% | 3,833 |
| Cash dividends to net income (ytd only)* | 43.8766% | 2,376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5024% | 4,015 |
| Loan loss allowance to noncurrent loans | 551.3353% | 643 |
| Noncurrent assets plus other real estate owned to assets | 0.1400% | 6,606 |
| Noncurrent loans to loans | 0.2725% | 6,181 |
| Net loans and leases to total assets | 24.1250% | 7,154 |
| Net loans and leases to deposits | 29.4891% | 7,145 |
| Net loans and leases to core deposits | 40.9973% | 6,915 |
| Total domestic deposits to total assets | 81.8101% | 5,186 |
| Equity capital to assets | 13.1197% | 1,432 |
| Core capital (leverage) ratio | 12.2053% | 1,492 |
| Tier 1 risk-based capital ratio | 35.3485% | 324 |
| Total risk-based capital ratio | 36.5777% | 321 |
| Memoranda: | ||
| Average total assets | $486,658,400 | 1,373 |
| Average earning assets | $442,169,200 | 1,367 |
| Average equity | $63,277,800 | 1,066 |
| Average total loans | $128,080,800 | 3,019 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7924% | 6,848 |
| Cost of funding earning assets | 0.5298% | 6,579 |
| Net interest margin | 3.2626% | 5,978 |
| Noninterest income to average assets | 1.8610% | 427 |
| Noninterest expense to average assets | 2.5068% | 5,438 |
| Loan and lease loss provision to assets | 0.3297% | 2,904 |
| Net operating income to assets | 1.2874% | 1,414 |
| Return on assets (ROA) | 1.4044% | 1,222 |
| Pretax return on assets | 2.1650% | 458 |
| Return on Equity (ROE) | 10.8266% | 1,922 |
| Retained earnings to average equity (ytd only) | 3.5776% | 4,194 |
| Net charge-offs to loans | 0.8174% | 1,934 |
| Credit loss provision to net charge-offs | 150.5051% | 2,075 |
| Earnings coverage of net charge-offs (x) | 10.5670% | 1,905 |
| Efficiency ratio | 51.4771% | 6,726 |
| Assets per employee ($millions) | 3.5455% | 4,886 |
| Cash dividends to net income (ytd only)* | 66.9555% | 969 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1849% | 1,891 |
| Loan loss allowance to noncurrent loans | 216.2420% | 1,451 |
| Noncurrent assets plus other real estate owned to assets | 0.3301% | 6,247 |
| Noncurrent loans to loans | 1.0104% | 4,873 |
| Net loans and leases to total assets | 26.5848% | 7,179 |
| Net loans and leases to deposits | 32.3263% | 7,169 |
| Net loans and leases to core deposits | 42.8900% | 6,956 |
| Total domestic deposits to total assets | 82.2387% | 4,994 |
| Equity capital to assets | 14.1423% | 1,103 |
| Core capital (leverage) ratio | 12.0478% | 1,680 |
| Tier 1 risk-based capital ratio | 35.2511% | 344 |
| Total risk-based capital ratio | 36.5452% | 334 |
| Memoranda: | ||
| Average total assets | $482,091,000 | 1,388 |
| Average earning assets | $437,428,000 | 1,396 |
| Average equity | $62,536,000 | 1,082 |
| Average total loans | $129,183,000 | 3,024 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8072% | 6,911 |
| Cost of funding earning assets | 0.5507% | 6,661 |
| Net interest margin | 3.2565% | 5,985 |
| Noninterest income to average assets | 1.8249% | 409 |
| Noninterest expense to average assets | 2.4518% | 5,699 |
| Loan and lease loss provision to assets | 0.3202% | 2,866 |
| Net operating income to assets | 1.3060% | 1,297 |
| Return on assets (ROA) | 1.3628% | 1,231 |
| Pretax return on assets | 2.1023% | 489 |
| Return on Equity (ROE) | 10.8087% | 1,864 |
| Retained earnings to average equity (ytd only) | -0.1909% | 5,876 |
| Net charge-offs to loans | 0.5795% | 2,371 |
| Credit loss provision to net charge-offs | 207.1240% | 1,450 |
| Earnings coverage of net charge-offs (x) | 15.1055% | 1,426 |
| Efficiency ratio | 50.7072% | 6,895 |
| Assets per employee ($millions) | 3.4582% | 5,058 |
| Cash dividends to net income (ytd only)* | 101.7659% | 447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1246% | 2,064 |
| Loan loss allowance to noncurrent loans | 349.4223% | 911 |
| Noncurrent assets plus other real estate owned to assets | 0.2257% | 6,557 |
| Noncurrent loans to loans | 0.6080% | 5,705 |
| Net loans and leases to total assets | 27.2632% | 7,257 |
| Net loans and leases to deposits | 34.3852% | 7,207 |
| Net loans and leases to core deposits | 45.5460% | 6,959 |
| Total domestic deposits to total assets | 79.2876% | 6,012 |
| Equity capital to assets | 13.6982% | 1,208 |
| Core capital (leverage) ratio | 11.0979% | 2,173 |
| Tier 1 risk-based capital ratio | 34.1062% | 384 |
| Total risk-based capital ratio | 35.3824% | 370 |
| Memoranda: | ||
| Average total assets | $490,331,000 | 1,370 |
| Average earning assets | $445,994,000 | 1,371 |
| Average equity | $61,820,330 | 1,094 |
| Average total loans | $130,808,330 | 3,025 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7587% | 7,001 |
| Cost of funding earning assets | 0.5616% | 6,761 |
| Net interest margin | 3.1971% | 6,077 |
| Noninterest income to average assets | 1.7661% | 437 |
| Noninterest expense to average assets | 2.3848% | 5,929 |
| Loan and lease loss provision to assets | 0.2928% | 2,813 |
| Net operating income to assets | 1.3005% | 1,263 |
| Return on assets (ROA) | 1.3894% | 1,125 |
| Pretax return on assets | 2.1443% | 439 |
| Return on Equity (ROE) | 11.4717% | 1,608 |
| Retained earnings to average equity (ytd only) | 11.4717% | 816 |
| Net charge-offs to loans | 0.4601% | 2,315 |
| Credit loss provision to net charge-offs | 243.4211% | 1,283 |
| Earnings coverage of net charge-offs (x) | 19.1250% | 1,155 |
| Efficiency ratio | 50.3969% | 6,958 |
| Assets per employee ($millions) | 3.6167% | 4,726 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9054% | 2,675 |
| Loan loss allowance to noncurrent loans | 435.3952% | 721 |
| Noncurrent assets plus other real estate owned to assets | 0.1590% | 6,765 |
| Noncurrent loans to loans | 0.4376% | 6,133 |
| Net loans and leases to total assets | 26.5215% | 7,332 |
| Net loans and leases to deposits | 33.6092% | 7,280 |
| Net loans and leases to core deposits | 45.5147% | 6,990 |
| Total domestic deposits to total assets | 78.9116% | 6,215 |
| Equity capital to assets | 12.5568% | 1,595 |
| Core capital (leverage) ratio | 10.8952% | 2,267 |
| Tier 1 risk-based capital ratio | 33.6334% | 387 |
| Total risk-based capital ratio | 34.8965% | 376 |
| Memoranda: | ||
| Average total assets | $505,527,500 | 1,335 |
| Average earning assets | $461,548,000 | 1,337 |
| Average equity | $61,229,000 | 1,095 |
| Average total loans | $132,154,500 | 3,031 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3105% | 6,778 |
| Cost of funding earning assets | 0.7247% | 6,807 |
| Net interest margin | 3.5858% | 4,887 |
| Noninterest income to average assets | 1.7751% | 480 |
| Noninterest expense to average assets | 2.4318% | 6,007 |
| Loan and lease loss provision to assets | 0.2472% | 4,818 |
| Net operating income to assets | 1.5494% | 691 |
| Return on assets (ROA) | 1.6292% | 640 |
| Pretax return on assets | 2.4728% | 191 |
| Return on Equity (ROE) | 12.6729% | 1,171 |
| Retained earnings to average equity (ytd only) | 4.1794% | 2,918 |
| Net charge-offs to loans | 0.2775% | 4,638 |
| Credit loss provision to net charge-offs | 326.9755% | 789 |
| Earnings coverage of net charge-offs (x) | 34.3760% | 657 |
| Efficiency ratio | 47.7600% | 7,276 |
| Assets per employee ($millions) | 3.9036% | 3,995 |
| Cash dividends to net income (ytd only)* | 67.0207% | 1,336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7636% | 2,980 |
| Loan loss allowance to noncurrent loans | 447.9691% | 706 |
| Noncurrent assets plus other real estate owned to assets | 0.1381% | 6,889 |
| Noncurrent loans to loans | 0.3937% | 6,261 |
| Net loans and leases to total assets | 24.8481% | 7,456 |
| Net loans and leases to deposits | 33.4391% | 7,404 |
| Net loans and leases to core deposits | 47.2953% | 7,105 |
| Total domestic deposits to total assets | 74.3085% | 6,852 |
| Equity capital to assets | 11.6904% | 2,132 |
| Core capital (leverage) ratio | 10.8999% | 2,229 |
| Tier 1 risk-based capital ratio | 30.1163% | 503 |
| Total risk-based capital ratio | 31.3780% | 497 |
| Memoranda: | ||
| Average total assets | $485,394,200 | 1,380 |
| Average earning assets | $440,738,000 | 1,384 |
| Average equity | $62,401,000 | 1,072 |
| Average total loans | $132,255,800 | 3,080 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4753% | 6,660 |
| Cost of funding earning assets | 0.7694% | 6,845 |
| Net interest margin | 3.7058% | 4,374 |
| Noninterest income to average assets | 1.7941% | 455 |
| Noninterest expense to average assets | 2.5148% | 5,659 |
| Loan and lease loss provision to assets | 0.2538% | 4,552 |
| Net operating income to assets | 1.5664% | 794 |
| Return on assets (ROA) | 1.6261% | 775 |
| Pretax return on assets | 2.4740% | 237 |
| Return on Equity (ROE) | 12.3446% | 1,414 |
| Retained earnings to average equity (ytd only) | 12.3446% | 421 |
| Net charge-offs to loans | 0.2113% | 4,671 |
| Credit loss provision to net charge-offs | 432.3810% | 701 |
| Earnings coverage of net charge-offs (x) | 44.9243% | 620 |
| Efficiency ratio | 48.2366% | 7,260 |
| Assets per employee ($millions) | 3.8321% | 4,190 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6431% | 3,355 |
| Loan loss allowance to noncurrent loans | 264.3636% | 1,111 |
| Noncurrent assets plus other real estate owned to assets | 0.1971% | 6,872 |
| Noncurrent loans to loans | 0.6215% | 5,965 |
| Net loans and leases to total assets | 24.5096% | 7,561 |
| Net loans and leases to deposits | 37.3745% | 7,439 |
| Net loans and leases to core deposits | 48.1955% | 7,193 |
| Total domestic deposits to total assets | 65.5784% | 7,484 |
| Equity capital to assets | 12.4209% | 1,899 |
| Core capital (leverage) ratio | 12.3857% | 1,463 |
| Tier 1 risk-based capital ratio | 31.0574% | 472 |
| Total risk-based capital ratio | 32.3314% | 463 |
| Memoranda: | ||
| Average total assets | $476,948,000 | 1,420 |
| Average earning assets | $432,172,250 | 1,423 |
| Average equity | $62,827,750 | 1,067 |
| Average total loans | $132,489,250 | 3,132 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7078% | 6,122 |
| Cost of funding earning assets | 0.8379% | 6,796 |
| Net interest margin | 3.8699% | 3,590 |
| Noninterest income to average assets | 1.8797% | 383 |
| Noninterest expense to average assets | 2.6079% | 5,289 |
| Loan and lease loss provision to assets | 0.2600% | 4,330 |
| Net operating income to assets | 1.6381% | 667 |
| Return on assets (ROA) | 1.7300% | 603 |
| Pretax return on assets | 2.6454% | 187 |
| Return on Equity (ROE) | 12.8490% | 1,276 |
| Retained earnings to average equity (ytd only) | 12.8490% | 394 |
| Net charge-offs to loans | 0.1571% | 4,689 |
| Credit loss provision to net charge-offs | 573.0769% | 649 |
| Earnings coverage of net charge-offs (x) | 60.9135% | 507 |
| Efficiency ratio | 47.9695% | 7,350 |
| Assets per employee ($millions) | 3.5275% | 4,851 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4748% | 4,040 |
| Loan loss allowance to noncurrent loans | 403.0612% | 764 |
| Noncurrent assets plus other real estate owned to assets | 0.2514% | 6,775 |
| Noncurrent loans to loans | 0.3659% | 6,502 |
| Net loans and leases to total assets | 28.7716% | 7,564 |
| Net loans and leases to deposits | 37.0128% | 7,511 |
| Net loans and leases to core deposits | 49.4402% | 7,233 |
| Total domestic deposits to total assets | 77.7342% | 6,326 |
| Equity capital to assets | 14.0293% | 1,147 |
| Core capital (leverage) ratio | 11.8736% | 1,717 |
| Tier 1 risk-based capital ratio | 29.8616% | 513 |
| Total risk-based capital ratio | 31.0171% | 507 |
| Memoranda: | ||
| Average total assets | $458,378,330 | 1,492 |
| Average earning assets | $413,652,000 | 1,496 |
| Average equity | $61,716,670 | 1,076 |
| Average total loans | $132,408,000 | 3,162 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6967% | 6,253 |
| Cost of funding earning assets | 0.8473% | 6,948 |
| Net interest margin | 3.8494% | 3,574 |
| Noninterest income to average assets | 1.8068% | 395 |
| Noninterest expense to average assets | 2.5530% | 5,542 |
| Loan and lease loss provision to assets | 0.2566% | 3,988 |
| Net operating income to assets | 1.6086% | 738 |
| Return on assets (ROA) | 1.6086% | 789 |
| Pretax return on assets | 2.4710% | 264 |
| Return on Equity (ROE) | 12.2038% | 1,439 |
| Retained earnings to average equity (ytd only) | 12.2038% | 714 |
| Net charge-offs to loans | 0.2643% | 3,352 |
| Credit loss provision to net charge-offs | 337.9310% | 1,186 |
| Earnings coverage of net charge-offs (x) | 35.9195% | 765 |
| Efficiency ratio | 47.7686% | 7,457 |
| Assets per employee ($millions) | 3.1015% | 5,995 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2916% | 4,977 |
| Loan loss allowance to noncurrent loans | 282.1369% | 1,043 |
| Noncurrent assets plus other real estate owned to assets | 0.2742% | 6,793 |
| Noncurrent loans to loans | 0.4578% | 6,379 |
| Net loans and leases to total assets | 27.9478% | 7,672 |
| Net loans and leases to deposits | 34.6611% | 7,646 |
| Net loans and leases to core deposits | 47.7360% | 7,374 |
| Total domestic deposits to total assets | 80.6316% | 5,579 |
| Equity capital to assets | 13.2852% | 1,402 |
| Core capital (leverage) ratio | 11.4831% | 1,920 |
| Tier 1 risk-based capital ratio | 28.9938% | 582 |
| Total risk-based capital ratio | 29.9927% | 578 |
| Memoranda: | ||
| Average total assets | $458,279,000 | 1,535 |
| Average earning assets | $413,569,000 | 1,537 |
| Average equity | $60,407,500 | 1,103 |
| Average total loans | $131,654,500 | 3,230 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1342% | 5,945 |
| Cost of funding earning assets | 1.0767% | 7,043 |
| Net interest margin | 4.0574% | 2,619 |
| Noninterest income to average assets | 1.7762% | 468 |
| Noninterest expense to average assets | 2.5028% | 6,119 |
| Loan and lease loss provision to assets | 0.2145% | 5,634 |
| Net operating income to assets | 1.7965% | 362 |
| Return on assets (ROA) | 1.7991% | 381 |
| Pretax return on assets | 2.7413% | 120 |
| Return on Equity (ROE) | 15.3153% | 626 |
| Retained earnings to average equity (ytd only) | 15.3153% | 93 |
| Net charge-offs to loans | 0.7325% | 2,996 |
| Credit loss provision to net charge-offs | 105.4198% | 5,252 |
| Earnings coverage of net charge-offs (x) | 14.5058% | 1,366 |
| Efficiency ratio | 45.2246% | 7,741 |
| Assets per employee ($millions) | 3.1126% | 5,961 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1195% | 5,814 |
| Loan loss allowance to noncurrent loans | 176.1283% | 1,669 |
| Noncurrent assets plus other real estate owned to assets | 0.2357% | 6,881 |
| Noncurrent loans to loans | 0.6356% | 5,963 |
| Net loans and leases to total assets | 28.8233% | 7,736 |
| Net loans and leases to deposits | 34.9806% | 7,742 |
| Net loans and leases to core deposits | 63.3996% | 7,128 |
| Total domestic deposits to total assets | 82.3979% | 4,774 |
| Equity capital to assets | 13.0758% | 1,482 |
| Core capital (leverage) ratio | 11.1317% | 2,150 |
| Tier 1 risk-based capital ratio | 28.1226% | 632 |
| Total risk-based capital ratio | 28.9974% | 644 |
| Memoranda: | ||
| Average total assets | $462,402,000 | 1,494 |
| Average earning assets | $419,231,600 | 1,509 |
| Average equity | $54,318,200 | 1,214 |
| Average total loans | $128,463,200 | 3,299 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2110% | 5,837 |
| Cost of funding earning assets | 1.1366% | 7,075 |
| Net interest margin | 4.0744% | 2,499 |
| Noninterest income to average assets | 1.7536% | 475 |
| Noninterest expense to average assets | 2.5291% | 5,982 |
| Loan and lease loss provision to assets | 0.1970% | 5,418 |
| Net operating income to assets | 1.7927% | 452 |
| Return on assets (ROA) | 1.7961% | 477 |
| Pretax return on assets | 2.7315% | 142 |
| Return on Equity (ROE) | 15.7254% | 687 |
| Retained earnings to average equity (ytd only) | 15.7254% | 138 |
| Net charge-offs to loans | 0.5826% | 2,929 |
| Credit loss provision to net charge-offs | 123.1598% | 4,098 |
| Earnings coverage of net charge-offs (x) | 18.2800% | 1,355 |
| Efficiency ratio | 45.7269% | 7,781 |
| Assets per employee ($millions) | 3.5288% | 4,855 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1796% | 5,227 |
| Loan loss allowance to noncurrent loans | 183.0012% | 1,610 |
| Noncurrent assets plus other real estate owned to assets | 0.2474% | 6,897 |
| Noncurrent loans to loans | 0.6446% | 6,009 |
| Net loans and leases to total assets | 28.7268% | 7,828 |
| Net loans and leases to deposits | 37.5102% | 7,792 |
| Net loans and leases to core deposits | 64.5956% | 7,218 |
| Total domestic deposits to total assets | 76.5838% | 6,449 |
| Equity capital to assets | 12.3580% | 2,028 |
| Core capital (leverage) ratio | 10.7593% | 2,597 |
| Tier 1 risk-based capital ratio | 27.0969% | 739 |
| Total risk-based capital ratio | 28.0265% | 742 |
| Memoranda: | ||
| Average total assets | $464,393,750 | 1,505 |
| Average earning assets | $421,585,750 | 1,516 |
| Average equity | $53,042,500 | 1,261 |
| Average total loans | $127,462,500 | 3,348 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2523% | 5,854 |
| Cost of funding earning assets | 1.1778% | 7,174 |
| Net interest margin | 4.0745% | 2,424 |
| Noninterest income to average assets | 1.7212% | 495 |
| Noninterest expense to average assets | 2.4764% | 6,197 |
| Loan and lease loss provision to assets | 0.1596% | 5,468 |
| Net operating income to assets | 1.8260% | 436 |
| Return on assets (ROA) | 1.8299% | 476 |
| Pretax return on assets | 2.7960% | 130 |
| Return on Equity (ROE) | 16.4591% | 650 |
| Retained earnings to average equity (ytd only) | 16.4591% | 149 |
| Net charge-offs to loans | 0.5626% | 2,638 |
| Credit loss provision to net charge-offs | 105.3672% | 4,362 |
| Earnings coverage of net charge-offs (x) | 19.4746% | 1,365 |
| Efficiency ratio | 44.9850% | 7,892 |
| Assets per employee ($millions) | 3.4635% | 4,914 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1277% | 5,401 |
| Loan loss allowance to noncurrent loans | 465.0641% | 705 |
| Noncurrent assets plus other real estate owned to assets | 0.1378% | 7,218 |
| Noncurrent loans to loans | 0.2425% | 6,909 |
| Net loans and leases to total assets | 28.0386% | 7,928 |
| Net loans and leases to deposits | 34.2461% | 7,933 |
| Net loans and leases to core deposits | 59.5824% | 7,465 |
| Total domestic deposits to total assets | 81.8738% | 4,744 |
| Equity capital to assets | 12.0426% | 2,182 |
| Core capital (leverage) ratio | 9.9496% | 3,346 |
| Tier 1 risk-based capital ratio | 26.5705% | 811 |
| Total risk-based capital ratio | 27.4592% | 817 |
| Memoranda: | ||
| Average total assets | $467,451,670 | 1,520 |
| Average earning assets | $425,029,000 | 1,523 |
| Average equity | $51,971,330 | 1,306 |
| Average total loans | $125,839,670 | 3,425 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2519% | 6,108 |
| Cost of funding earning assets | 1.2267% | 7,235 |
| Net interest margin | 4.0252% | 2,553 |
| Noninterest income to average assets | 1.6892% | 479 |
| Noninterest expense to average assets | 2.2879% | 6,575 |
| Loan and lease loss provision to assets | 0.1501% | 5,006 |
| Net operating income to assets | 1.9109% | 415 |
| Return on assets (ROA) | 1.9109% | 467 |
| Pretax return on assets | 2.9204% | 139 |
| Return on Equity (ROE) | 17.8998% | 595 |
| Retained earnings to average equity (ytd only) | 17.8998% | 235 |
| Net charge-offs to loans | 0.6237% | 1,927 |
| Credit loss provision to net charge-offs | 91.7526% | 3,968 |
| Earnings coverage of net charge-offs (x) | 18.7680% | 1,447 |
| Efficiency ratio | 42.0365% | 7,998 |
| Assets per employee ($millions) | 3.8568% | 3,966 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1405% | 5,182 |
| Loan loss allowance to noncurrent loans | 301.9190% | 1,117 |
| Noncurrent assets plus other real estate owned to assets | 0.1436% | 7,141 |
| Noncurrent loans to loans | 0.3778% | 6,472 |
| Net loans and leases to total assets | 25.2567% | 8,020 |
| Net loans and leases to deposits | 30.5517% | 8,027 |
| Net loans and leases to core deposits | 54.1453% | 7,673 |
| Total domestic deposits to total assets | 82.6689% | 4,302 |
| Equity capital to assets | 10.8332% | 3,139 |
| Core capital (leverage) ratio | 9.3427% | 4,181 |
| Tier 1 risk-based capital ratio | 25.3923% | 940 |
| Total risk-based capital ratio | 26.2628% | 957 |
| Memoranda: | ||
| Average total assets | $474,320,500 | 1,510 |
| Average earning assets | $432,376,500 | 1,501 |
| Average equity | $50,637,500 | 1,355 |
| Average total loans | $124,426,500 | 3,476 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6404% | 6,955 |
| Cost of funding earning assets | 2.0217% | 6,342 |
| Net interest margin | 3.6187% | 4,798 |
| Noninterest income to average assets | 2.0123% | 339 |
| Noninterest expense to average assets | 2.7046% | 5,246 |
| Loan and lease loss provision to assets | 0.1260% | 5,756 |
| Net operating income to assets | 1.5980% | 839 |
| Return on assets (ROA) | 1.5993% | 803 |
| Pretax return on assets | 2.4236% | 233 |
| Return on Equity (ROE) | 15.2928% | 886 |
| Retained earnings to average equity (ytd only) | 15.2928% | 85 |
| Net charge-offs to loans | 0.2562% | 3,711 |
| Credit loss provision to net charge-offs | 169.1318% | 3,037 |
| Earnings coverage of net charge-offs (x) | 34.1961% | 1,060 |
| Efficiency ratio | 50.5815% | 7,619 |
| Assets per employee ($millions) | 3.5591% | 4,528 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1484% | 4,933 |
| Loan loss allowance to noncurrent loans | 228.7540% | 1,719 |
| Noncurrent assets plus other real estate owned to assets | 0.1848% | 6,817 |
| Noncurrent loans to loans | 0.5020% | 5,846 |
| Net loans and leases to total assets | 26.6420% | 8,061 |
| Net loans and leases to deposits | 30.8868% | 8,108 |
| Net loans and leases to core deposits | 60.5371% | 7,561 |
| Total domestic deposits to total assets | 86.2569% | 2,284 |
| Equity capital to assets | 10.5104% | 3,492 |
| Core capital (leverage) ratio | 9.3235% | 4,267 |
| Tier 1 risk-based capital ratio | 24.6135% | 1,022 |
| Total risk-based capital ratio | 25.5137% | 1,036 |
| Memoranda: | ||
| Average total assets | $417,435,000 | 1,631 |
| Average earning assets | $373,750,800 | 1,662 |
| Average equity | $43,654,600 | 1,544 |
| Average total loans | $121,411,400 | 3,435 |