Home > International Bank of Commerce > Performance and Condition Ratios
International Bank of Commerce, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3979% | 1,316 |
| Cost of funding earning assets | 1.1164% | 3,023 |
| Net interest margin | 4.2815% | 836 |
| Noninterest income to average assets | 1.2000% | 501 |
| Noninterest expense to average assets | 2.4106% | 2,557 |
| Loan and lease loss provision to assets | 0.0800% | 1,564 |
| Net operating income to assets | 1.5966% | 872 |
| Return on assets (ROA) | 1.5966% | 839 |
| Pretax return on assets | 2.0222% | 646 |
| Return on Equity (ROE) | 11.8600% | 1,989 |
| Retained earnings to average equity (ytd only) | 0.1300% | 4,019 |
| Net charge-offs to loans | -0.3896% | 4,586 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 53.3711% | 3,724 |
| Assets per employee ($millions) | 6.1927% | 2,647 |
| Cash dividends to net income (ytd only)* | 98.9041% | 283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4766% | 198 |
| Loan loss allowance to noncurrent loans | 123.0871% | 3,069 |
| Noncurrent assets plus other real estate owned to assets | 1.0790% | 434 |
| Noncurrent loans to loans | 2.0121% | 275 |
| Net loans and leases to total assets | 35.8800% | 4,160 |
| Net loans and leases to deposits | 48.9349% | 3,973 |
| Net loans and leases to core deposits | 50.0680% | 4,081 |
| Total domestic deposits to total assets | 73.3300% | 4,144 |
| Equity capital to assets | 13.8794% | 705 |
| Core capital (leverage) ratio | 14.7228% | 666 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.9674% | 542 |
| Memoranda: | ||
| Average total assets | $1,583,159,600 | 688 |
| Average earning assets | $1,224,609,400 | 781 |
| Average equity | $213,138,400 | 510 |
| Average total loans | $573,592,400 | 1,116 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2531% | 1,354 |
| Cost of funding earning assets | 0.9832% | 3,079 |
| Net interest margin | 4.2699% | 838 |
| Noninterest income to average assets | 1.3000% | 459 |
| Noninterest expense to average assets | 2.5596% | 2,057 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 1.5735% | 978 |
| Return on assets (ROA) | 1.5735% | 968 |
| Pretax return on assets | 2.0024% | 748 |
| Return on Equity (ROE) | 11.7800% | 2,186 |
| Retained earnings to average equity (ytd only) | 11.7757% | 1,013 |
| Net charge-offs to loans | 0.2101% | 419 |
| Credit loss provision to net charge-offs | 57.9934% | 1,866 |
| Earnings coverage of net charge-offs (x) | 26.9901% | 1,655 |
| Efficiency ratio | 55.5717% | 3,436 |
| Assets per employee ($millions) | 6.5475% | 2,293 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7796% | 591 |
| Loan loss allowance to noncurrent loans | 86.9990% | 3,329 |
| Noncurrent assets plus other real estate owned to assets | 1.1101% | 428 |
| Noncurrent loans to loans | 2.0455% | 292 |
| Net loans and leases to total assets | 35.9000% | 4,189 |
| Net loans and leases to deposits | 47.7355% | 4,016 |
| Net loans and leases to core deposits | 48.6656% | 4,071 |
| Total domestic deposits to total assets | 75.2100% | 4,081 |
| Equity capital to assets | 13.9051% | 666 |
| Core capital (leverage) ratio | 15.6864% | 538 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.3577% | 467 |
| Memoranda: | ||
| Average total assets | $1,595,004,000 | 685 |
| Average earning assets | $1,233,318,250 | 780 |
| Average equity | $213,133,500 | 511 |
| Average total loans | $575,720,750 | 1,114 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1097% | 1,355 |
| Cost of funding earning assets | 0.8573% | 3,052 |
| Net interest margin | 4.2524% | 858 |
| Noninterest income to average assets | 1.3100% | 385 |
| Noninterest expense to average assets | 2.3140% | 2,758 |
| Loan and lease loss provision to assets | 0.0900% | 1,256 |
| Net operating income to assets | 1.7399% | 725 |
| Return on assets (ROA) | 1.7399% | 727 |
| Pretax return on assets | 2.2039% | 531 |
| Return on Equity (ROE) | 13.1900% | 1,863 |
| Retained earnings to average equity (ytd only) | 13.1917% | 781 |
| Net charge-offs to loans | 0.2126% | 380 |
| Credit loss provision to net charge-offs | 121.9156% | 1,325 |
| Earnings coverage of net charge-offs (x) | 30.0487% | 1,549 |
| Efficiency ratio | 50.1830% | 3,912 |
| Assets per employee ($millions) | 6.9115% | 1,998 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8062% | 602 |
| Loan loss allowance to noncurrent loans | 90.2168% | 3,341 |
| Noncurrent assets plus other real estate owned to assets | 1.2284% | 326 |
| Noncurrent loans to loans | 2.0021% | 279 |
| Net loans and leases to total assets | 36.1400% | 4,173 |
| Net loans and leases to deposits | 48.5339% | 3,968 |
| Net loans and leases to core deposits | 49.4974% | 4,031 |
| Total domestic deposits to total assets | 74.4700% | 4,163 |
| Equity capital to assets | 13.6470% | 690 |
| Core capital (leverage) ratio | 15.1814% | 568 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.9215% | 487 |
| Memoranda: | ||
| Average total assets | $1,611,605,333 | 669 |
| Average earning assets | $1,250,730,333 | 755 |
| Average equity | $212,557,333 | 503 |
| Average total loans | $579,364,333 | 1,097 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9883% | 1,245 |
| Cost of funding earning assets | 0.6624% | 3,181 |
| Net interest margin | 4.3259% | 774 |
| Noninterest income to average assets | 1.3100% | 387 |
| Noninterest expense to average assets | 2.1775% | 3,158 |
| Loan and lease loss provision to assets | 0.0700% | 1,437 |
| Net operating income to assets | 1.9596% | 524 |
| Return on assets (ROA) | 1.9596% | 514 |
| Pretax return on assets | 2.4351% | 392 |
| Return on Equity (ROE) | 15.1100% | 1,536 |
| Retained earnings to average equity (ytd only) | 15.1146% | 789 |
| Net charge-offs to loans | 0.1200% | 533 |
| Credit loss provision to net charge-offs | 158.3815% | 923 |
| Earnings coverage of net charge-offs (x) | 58.6821% | 1,035 |
| Efficiency ratio | 46.5262% | 4,185 |
| Assets per employee ($millions) | 6.7818% | 2,133 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8256% | 633 |
| Loan loss allowance to noncurrent loans | 50.3393% | 3,700 |
| Noncurrent assets plus other real estate owned to assets | 1.7957% | 152 |
| Noncurrent loans to loans | 3.6265% | 107 |
| Net loans and leases to total assets | 35.3900% | 4,214 |
| Net loans and leases to deposits | 45.5575% | 4,053 |
| Net loans and leases to core deposits | 46.2406% | 4,102 |
| Total domestic deposits to total assets | 77.6900% | 4,031 |
| Equity capital to assets | 13.6193% | 650 |
| Core capital (leverage) ratio | 14.5825% | 645 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.7786% | 515 |
| Memoranda: | ||
| Average total assets | $1,622,580,000 | 677 |
| Average earning assets | $1,262,622,000 | 765 |
| Average equity | $210,366,000 | 517 |
| Average total loans | $576,498,500 | 1,119 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3276% | 3,520 |
| Cost of funding earning assets | 0.2056% | 3,707 |
| Net interest margin | 3.1220% | 3,107 |
| Noninterest income to average assets | 1.2000% | 473 |
| Noninterest expense to average assets | 2.1832% | 3,068 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 1.1795% | 1,863 |
| Return on assets (ROA) | 1.1795% | 1,792 |
| Pretax return on assets | 1.5017% | 1,453 |
| Return on Equity (ROE) | 9.5700% | 2,949 |
| Retained earnings to average equity (ytd only) | 5.0394% | 3,035 |
| Net charge-offs to loans | 0.0565% | 1,087 |
| Credit loss provision to net charge-offs | 47.7654% | 1,833 |
| Earnings coverage of net charge-offs (x) | 75.5838% | 1,118 |
| Efficiency ratio | 59.0945% | 3,177 |
| Assets per employee ($millions) | 6.5524% | 2,295 |
| Cash dividends to net income (ytd only)* | 47.3485% | 1,525 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8112% | 644 |
| Loan loss allowance to noncurrent loans | 49.6407% | 3,699 |
| Noncurrent assets plus other real estate owned to assets | 1.7681% | 152 |
| Noncurrent loans to loans | 3.6486% | 105 |
| Net loans and leases to total assets | 34.3900% | 4,272 |
| Net loans and leases to deposits | 43.7810% | 4,123 |
| Net loans and leases to core deposits | 44.5208% | 4,163 |
| Total domestic deposits to total assets | 78.5400% | 4,040 |
| Equity capital to assets | 12.3281% | 842 |
| Core capital (leverage) ratio | 13.4837% | 819 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.1750% | 538 |
| Memoranda: | ||
| Average total assets | $1,790,516,200 | 612 |
| Average earning assets | $1,429,959,400 | 676 |
| Average equity | $220,661,000 | 484 |
| Average total loans | $633,927,000 | 993 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9768% | 3,925 |
| Cost of funding earning assets | 0.1534% | 3,818 |
| Net interest margin | 2.8234% | 3,683 |
| Noninterest income to average assets | 1.2800% | 447 |
| Noninterest expense to average assets | 2.2214% | 2,869 |
| Loan and lease loss provision to assets | 0.0800% | 1,289 |
| Net operating income to assets | 0.9666% | 2,606 |
| Return on assets (ROA) | 0.9666% | 2,579 |
| Pretax return on assets | 1.2429% | 2,224 |
| Return on Equity (ROE) | 7.8400% | 3,376 |
| Retained earnings to average equity (ytd only) | 1.9217% | 4,050 |
| Net charge-offs to loans | 0.1507% | 435 |
| Credit loss provision to net charge-offs | 154.5703% | 1,114 |
| Earnings coverage of net charge-offs (x) | 24.7804% | 1,618 |
| Efficiency ratio | 62.6278% | 2,747 |
| Assets per employee ($millions) | 6.7743% | 2,113 |
| Cash dividends to net income (ytd only)* | 75.5002% | 497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9121% | 586 |
| Loan loss allowance to noncurrent loans | 550,950.0000% | 3 |
| Noncurrent assets plus other real estate owned to assets | 0.5406% | 996 |
| Noncurrent loans to loans | 0.0003% | 3,987 |
| Net loans and leases to total assets | 32.9800% | 4,339 |
| Net loans and leases to deposits | 41.1291% | 4,205 |
| Net loans and leases to core deposits | 41.7984% | 4,227 |
| Total domestic deposits to total assets | 80.1900% | 4,081 |
| Equity capital to assets | 11.4849% | 1,018 |
| Core capital (leverage) ratio | 12.6725% | 1,003 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.9065% | 651 |
| Memoranda: | ||
| Average total assets | $1,826,979,750 | 602 |
| Average earning assets | $1,467,304,500 | 675 |
| Average equity | $225,137,500 | 478 |
| Average total loans | $648,417,000 | 967 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6562% | 4,210 |
| Cost of funding earning assets | 0.1098% | 4,085 |
| Net interest margin | 2.5464% | 4,009 |
| Noninterest income to average assets | 1.1592% | 508 |
| Noninterest expense to average assets | 2.0704% | 3,233 |
| Loan and lease loss provision to assets | 0.1404% | 684 |
| Net operating income to assets | 0.7925% | 2,988 |
| Return on assets (ROA) | 0.7925% | 2,954 |
| Pretax return on assets | 1.0107% | 2,690 |
| Return on Equity (ROE) | 6.3000% | 3,499 |
| Retained earnings to average equity (ytd only) | -2.2262% | 4,398 |
| Net charge-offs to loans | 0.1493% | 430 |
| Credit loss provision to net charge-offs | 260.7570% | 854 |
| Earnings coverage of net charge-offs (x) | 21.3785% | 1,527 |
| Efficiency ratio | 64.2684% | 2,743 |
| Assets per employee ($millions) | 7.4435% | 1,649 |
| Cash dividends to net income (ytd only)* | 135.3363% | 179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8138% | 799 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5285% | 1,070 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 34.0582% | 4,335 |
| Net loans and leases to deposits | 43.5032% | 4,130 |
| Net loans and leases to core deposits | 44.2510% | 4,181 |
| Total domestic deposits to total assets | 78.2889% | 4,338 |
| Equity capital to assets | 11.9478% | 896 |
| Core capital (leverage) ratio | 11.9761% | 1,163 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2708% | 817 |
| Memoranda: | ||
| Average total assets | $1,864,674,000 | 588 |
| Average earning assets | $1,510,152,333 | 657 |
| Average equity | $234,570,333 | 468 |
| Average total loans | $672,462,000 | 927 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4895% | 4,276 |
| Cost of funding earning assets | 0.0979% | 4,155 |
| Net interest margin | 2.3916% | 4,091 |
| Noninterest income to average assets | 1.1075% | 552 |
| Noninterest expense to average assets | 1.9844% | 3,470 |
| Loan and lease loss provision to assets | 0.1036% | 803 |
| Net operating income to assets | 0.7575% | 2,821 |
| Return on assets (ROA) | 0.7575% | 2,815 |
| Pretax return on assets | 0.9648% | 2,559 |
| Return on Equity (ROE) | 5.8794% | 3,377 |
| Retained earnings to average equity (ytd only) | 5.8794% | 2,286 |
| Net charge-offs to loans | 0.1545% | 379 |
| Credit loss provision to net charge-offs | 182.4627% | 802 |
| Earnings coverage of net charge-offs (x) | 18.8246% | 1,298 |
| Efficiency ratio | 65.0042% | 2,908 |
| Assets per employee ($millions) | 7.2685% | 1,810 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6178% | 1,220 |
| Loan loss allowance to noncurrent loans | 22,587.5000% | 79 |
| Noncurrent assets plus other real estate owned to assets | 0.5288% | 1,131 |
| Noncurrent loans to loans | 0.0072% | 3,973 |
| Net loans and leases to total assets | 36.1390% | 4,201 |
| Net loans and leases to deposits | 45.9453% | 3,976 |
| Net loans and leases to core deposits | 46.7883% | 4,039 |
| Total domestic deposits to total assets | 78.6567% | 4,366 |
| Equity capital to assets | 12.7317% | 752 |
| Core capital (leverage) ratio | 12.3044% | 970 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9282% | 765 |
| Memoranda: | ||
| Average total assets | $1,888,905,500 | 582 |
| Average earning assets | $1,536,380,000 | 648 |
| Average equity | $243,356,500 | 461 |
| Average total loans | $693,695,500 | 884 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5618% | 4,437 |
| Cost of funding earning assets | 0.1044% | 4,355 |
| Net interest margin | 2.4575% | 4,246 |
| Noninterest income to average assets | 1.0218% | 958 |
| Noninterest expense to average assets | 1.9613% | 3,791 |
| Loan and lease loss provision to assets | 0.0471% | 2,116 |
| Net operating income to assets | 0.7660% | 3,438 |
| Return on assets (ROA) | 0.7660% | 3,500 |
| Pretax return on assets | 1.0023% | 3,253 |
| Return on Equity (ROE) | 5.6375% | 3,855 |
| Retained earnings to average equity (ytd only) | 5.6375% | 2,504 |
| Net charge-offs to loans | 0.1577% | 610 |
| Credit loss provision to net charge-offs | 75.7366% | 1,983 |
| Earnings coverage of net charge-offs (x) | 16.8917% | 1,961 |
| Efficiency ratio | 65.1450% | 2,379 |
| Assets per employee ($millions) | 7.0520% | 1,893 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4806% | 1,633 |
| Loan loss allowance to noncurrent loans | 21,671.4286% | 81 |
| Noncurrent assets plus other real estate owned to assets | 0.5703% | 1,159 |
| Noncurrent loans to loans | 0.0068% | 4,056 |
| Net loans and leases to total assets | 36.1731% | 4,280 |
| Net loans and leases to deposits | 45.8770% | 4,099 |
| Net loans and leases to core deposits | 46.9793% | 4,143 |
| Total domestic deposits to total assets | 78.8481% | 4,332 |
| Equity capital to assets | 13.0252% | 890 |
| Core capital (leverage) ratio | 11.4855% | 1,296 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4984% | 823 |
| Memoranda: | ||
| Average total assets | $1,857,554,400 | 573 |
| Average earning assets | $1,503,416,400 | 635 |
| Average equity | $252,401,200 | 446 |
| Average total loans | $731,625,600 | 847 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5558% | 4,534 |
| Cost of funding earning assets | 0.1057% | 4,452 |
| Net interest margin | 2.4501% | 4,343 |
| Noninterest income to average assets | 1.0116% | 1,053 |
| Noninterest expense to average assets | 2.1693% | 3,172 |
| Loan and lease loss provision to assets | 0.0399% | 2,198 |
| Net operating income to assets | 0.6139% | 3,981 |
| Return on assets (ROA) | 0.6139% | 4,030 |
| Pretax return on assets | 0.7765% | 3,936 |
| Return on Equity (ROE) | 4.4690% | 4,232 |
| Retained earnings to average equity (ytd only) | 4.4690% | 3,417 |
| Net charge-offs to loans | 0.1696% | 505 |
| Credit loss provision to net charge-offs | 58.6096% | 1,812 |
| Earnings coverage of net charge-offs (x) | 12.0075% | 1,971 |
| Efficiency ratio | 72.6571% | 1,346 |
| Assets per employee ($millions) | 7.7055% | 1,444 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5021% | 1,626 |
| Loan loss allowance to noncurrent loans | 9,471.1712% | 139 |
| Noncurrent assets plus other real estate owned to assets | 0.5792% | 1,325 |
| Noncurrent loans to loans | 0.0159% | 4,083 |
| Net loans and leases to total assets | 35.6428% | 4,405 |
| Net loans and leases to deposits | 44.0476% | 4,307 |
| Net loans and leases to core deposits | 45.1657% | 4,349 |
| Total domestic deposits to total assets | 80.9186% | 4,108 |
| Equity capital to assets | 13.2073% | 927 |
| Core capital (leverage) ratio | 11.5376% | 1,352 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3311% | 905 |
| Memoranda: | ||
| Average total assets | $1,833,590,750 | 584 |
| Average earning assets | $1,477,329,500 | 654 |
| Average equity | $251,892,500 | 446 |
| Average total loans | $735,225,000 | 863 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5717% | 4,567 |
| Cost of funding earning assets | 0.1063% | 4,529 |
| Net interest margin | 2.4654% | 4,347 |
| Noninterest income to average assets | 0.9681% | 1,120 |
| Noninterest expense to average assets | 2.2387% | 2,958 |
| Loan and lease loss provision to assets | 0.0696% | 1,662 |
| Net operating income to assets | 0.5069% | 4,208 |
| Return on assets (ROA) | 0.5069% | 4,253 |
| Pretax return on assets | 0.6344% | 4,181 |
| Return on Equity (ROE) | 3.6393% | 4,387 |
| Retained earnings to average equity (ytd only) | 3.6393% | 3,636 |
| Net charge-offs to loans | 0.1874% | 454 |
| Credit loss provision to net charge-offs | 89.4286% | 1,436 |
| Earnings coverage of net charge-offs (x) | 9.0514% | 1,854 |
| Efficiency ratio | 76.0770% | 1,077 |
| Assets per employee ($millions) | 7.0247% | 1,786 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5040% | 1,578 |
| Loan loss allowance to noncurrent loans | 12,442.5287% | 96 |
| Noncurrent assets plus other real estate owned to assets | 0.6027% | 1,389 |
| Noncurrent loans to loans | 0.0121% | 4,181 |
| Net loans and leases to total assets | 37.2392% | 4,417 |
| Net loans and leases to deposits | 47.1890% | 4,262 |
| Net loans and leases to core deposits | 48.4062% | 4,307 |
| Total domestic deposits to total assets | 78.9150% | 4,355 |
| Equity capital to assets | 13.2560% | 877 |
| Core capital (leverage) ratio | 11.8376% | 1,164 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0821% | 944 |
| Memoranda: | ||
| Average total assets | $1,800,092,000 | 588 |
| Average earning assets | $1,441,705,667 | 663 |
| Average equity | $250,709,667 | 443 |
| Average total loans | $747,008,333 | 852 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7694% | 4,406 |
| Cost of funding earning assets | 0.1111% | 4,579 |
| Net interest margin | 2.6583% | 4,044 |
| Noninterest income to average assets | 0.8987% | 1,331 |
| Noninterest expense to average assets | 1.9299% | 3,914 |
| Loan and lease loss provision to assets | 0.1279% | 1,075 |
| Net operating income to assets | 0.7418% | 3,596 |
| Return on assets (ROA) | 0.7418% | 3,668 |
| Pretax return on assets | 0.9493% | 3,497 |
| Return on Equity (ROE) | 5.1895% | 4,056 |
| Retained earnings to average equity (ytd only) | 5.1895% | 3,167 |
| Net charge-offs to loans | 0.2445% | 345 |
| Credit loss provision to net charge-offs | 120.2151% | 1,042 |
| Earnings coverage of net charge-offs (x) | 10.1247% | 1,512 |
| Efficiency ratio | 64.1787% | 2,442 |
| Assets per employee ($millions) | 6.6552% | 2,052 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4599% | 1,737 |
| Loan loss allowance to noncurrent loans | 5,878.6096% | 171 |
| Noncurrent assets plus other real estate owned to assets | 0.9106% | 941 |
| Noncurrent loans to loans | 0.0248% | 4,165 |
| Net loans and leases to total assets | 40.3952% | 4,322 |
| Net loans and leases to deposits | 53.4953% | 3,974 |
| Net loans and leases to core deposits | 55.1045% | 4,039 |
| Total domestic deposits to total assets | 75.5117% | 4,607 |
| Equity capital to assets | 13.6739% | 747 |
| Core capital (leverage) ratio | 12.8444% | 878 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9953% | 926 |
| Memoranda: | ||
| Average total assets | $1,748,289,500 | 596 |
| Average earning assets | $1,386,577,000 | 679 |
| Average equity | $249,887,500 | 443 |
| Average total loans | $760,639,500 | 843 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5704% | 3,875 |
| Cost of funding earning assets | 0.2243% | 4,489 |
| Net interest margin | 3.3461% | 2,936 |
| Noninterest income to average assets | 1.2510% | 721 |
| Noninterest expense to average assets | 2.6181% | 2,489 |
| Loan and lease loss provision to assets | 0.3605% | 939 |
| Net operating income to assets | 0.6603% | 3,559 |
| Return on assets (ROA) | 0.6603% | 3,682 |
| Pretax return on assets | 0.8479% | 3,509 |
| Return on Equity (ROE) | 4.2279% | 4,108 |
| Retained earnings to average equity (ytd only) | 3.0026% | 3,352 |
| Net charge-offs to loans | 0.1668% | 996 |
| Credit loss provision to net charge-offs | 440.1090% | 1,349 |
| Earnings coverage of net charge-offs (x) | 14.7539% | 2,196 |
| Efficiency ratio | 68.4198% | 2,176 |
| Assets per employee ($millions) | 5.9703% | 2,359 |
| Cash dividends to net income (ytd only)* | 28.9827% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4186% | 1,896 |
| Loan loss allowance to noncurrent loans | 1,974.4565% | 389 |
| Noncurrent assets plus other real estate owned to assets | 1.0685% | 868 |
| Noncurrent loans to loans | 0.0718% | 4,010 |
| Net loans and leases to total assets | 45.6332% | 4,149 |
| Net loans and leases to deposits | 58.2697% | 3,878 |
| Net loans and leases to core deposits | 60.4723% | 3,917 |
| Total domestic deposits to total assets | 78.3137% | 4,284 |
| Equity capital to assets | 14.9787% | 577 |
| Core capital (leverage) ratio | 12.9833% | 898 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4076% | 981 |
| Memoranda: | ||
| Average total assets | $1,567,667,200 | 595 |
| Average earning assets | $1,206,661,600 | 694 |
| Average equity | $244,823,400 | 427 |
| Average total loans | $769,561,200 | 804 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7946% | 3,584 |
| Cost of funding earning assets | 0.2563% | 4,490 |
| Net interest margin | 3.5383% | 2,466 |
| Noninterest income to average assets | 1.2929% | 649 |
| Noninterest expense to average assets | 2.7890% | 1,997 |
| Loan and lease loss provision to assets | 0.4336% | 763 |
| Net operating income to assets | 0.6263% | 3,702 |
| Return on assets (ROA) | 0.6263% | 3,798 |
| Pretax return on assets | 0.7809% | 3,696 |
| Return on Equity (ROE) | 3.9669% | 4,163 |
| Retained earnings to average equity (ytd only) | 2.3268% | 3,815 |
| Net charge-offs to loans | 0.1803% | 829 |
| Credit loss provision to net charge-offs | 482.6129% | 1,316 |
| Earnings coverage of net charge-offs (x) | 13.5168% | 2,197 |
| Efficiency ratio | 69.6628% | 1,934 |
| Assets per employee ($millions) | 5.0658% | 3,158 |
| Cash dividends to net income (ytd only)* | 41.3451% | 1,878 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2892% | 2,197 |
| Loan loss allowance to noncurrent loans | 1,653.3019% | 396 |
| Noncurrent assets plus other real estate owned to assets | 1.1347% | 916 |
| Noncurrent loans to loans | 0.0780% | 4,059 |
| Net loans and leases to total assets | 49.2023% | 4,135 |
| Net loans and leases to deposits | 64.2659% | 3,775 |
| Net loans and leases to core deposits | 66.7995% | 3,840 |
| Total domestic deposits to total assets | 76.5606% | 4,377 |
| Equity capital to assets | 15.0688% | 623 |
| Core capital (leverage) ratio | 12.9250% | 966 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6934% | 1,102 |
| Memoranda: | ||
| Average total assets | $1,544,650,750 | 587 |
| Average earning assets | $1,183,378,500 | 693 |
| Average equity | $243,877,500 | 415 |
| Average total loans | $769,879,500 | 801 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0933% | 3,069 |
| Cost of funding earning assets | 0.3118% | 4,434 |
| Net interest margin | 3.7815% | 1,883 |
| Noninterest income to average assets | 1.3229% | 591 |
| Noninterest expense to average assets | 2.9592% | 1,690 |
| Loan and lease loss provision to assets | 0.4779% | 776 |
| Net operating income to assets | 0.6121% | 3,699 |
| Return on assets (ROA) | 0.6121% | 3,778 |
| Pretax return on assets | 0.7611% | 3,702 |
| Return on Equity (ROE) | 3.8143% | 4,160 |
| Retained earnings to average equity (ytd only) | 1.3450% | 3,990 |
| Net charge-offs to loans | 0.2258% | 689 |
| Credit loss provision to net charge-offs | 424.6479% | 1,353 |
| Earnings coverage of net charge-offs (x) | 11.0094% | 2,117 |
| Efficiency ratio | 70.4874% | 1,890 |
| Assets per employee ($millions) | 4.1085% | 4,197 |
| Cash dividends to net income (ytd only)* | 64.7389% | 1,094 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1565% | 2,744 |
| Loan loss allowance to noncurrent loans | 1,218.7418% | 473 |
| Noncurrent assets plus other real estate owned to assets | 1.1275% | 1,004 |
| Noncurrent loans to loans | 0.0949% | 4,078 |
| Net loans and leases to total assets | 47.5308% | 4,283 |
| Net loans and leases to deposits | 62.7985% | 3,965 |
| Net loans and leases to core deposits | 65.1738% | 4,012 |
| Total domestic deposits to total assets | 75.6879% | 4,457 |
| Equity capital to assets | 14.6576% | 689 |
| Core capital (leverage) ratio | 12.8726% | 1,048 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2255% | 1,200 |
| Memoranda: | ||
| Average total assets | $1,514,115,667 | 586 |
| Average earning assets | $1,151,291,333 | 703 |
| Average equity | $242,982,000 | 416 |
| Average total loans | $754,642,333 | 802 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3960% | 2,630 |
| Cost of funding earning assets | 0.4576% | 4,123 |
| Net interest margin | 3.9384% | 1,557 |
| Noninterest income to average assets | 1.3680% | 475 |
| Noninterest expense to average assets | 3.0964% | 1,647 |
| Loan and lease loss provision to assets | 0.5413% | 536 |
| Net operating income to assets | 0.5519% | 3,734 |
| Return on assets (ROA) | 0.5519% | 3,796 |
| Pretax return on assets | 0.6787% | 3,746 |
| Return on Equity (ROE) | 3.2737% | 4,154 |
| Retained earnings to average equity (ytd only) | -1.6865% | 4,217 |
| Net charge-offs to loans | 0.1507% | 854 |
| Credit loss provision to net charge-offs | 706.1818% | 719 |
| Earnings coverage of net charge-offs (x) | 15.9164% | 1,549 |
| Efficiency ratio | 71.7358% | 2,117 |
| Assets per employee ($millions) | 3.4637% | 4,515 |
| Cash dividends to net income (ytd only)* | 151.5152% | 452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0964% | 3,228 |
| Loan loss allowance to noncurrent loans | 1,106.4777% | 522 |
| Noncurrent assets plus other real estate owned to assets | 1.2742% | 931 |
| Noncurrent loans to loans | 0.0991% | 4,112 |
| Net loans and leases to total assets | 49.2013% | 4,279 |
| Net loans and leases to deposits | 65.9922% | 3,865 |
| Net loans and leases to core deposits | 68.5955% | 3,957 |
| Total domestic deposits to total assets | 74.5562% | 4,616 |
| Equity capital to assets | 16.2502% | 539 |
| Core capital (leverage) ratio | 14.5622% | 780 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0628% | 1,334 |
| Memoranda: | ||
| Average total assets | $1,435,101,500 | 591 |
| Average earning assets | $1,074,349,000 | 714 |
| Average equity | $241,925,000 | 419 |
| Average total loans | $729,922,000 | 812 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7840% | 2,091 |
| Cost of funding earning assets | 0.6197% | 3,559 |
| Net interest margin | 4.1643% | 1,385 |
| Noninterest income to average assets | 1.3951% | 488 |
| Noninterest expense to average assets | 3.0057% | 1,999 |
| Loan and lease loss provision to assets | 0.5553% | 220 |
| Net operating income to assets | 0.8332% | 3,439 |
| Return on assets (ROA) | 0.8332% | 3,531 |
| Pretax return on assets | 0.9895% | 3,486 |
| Return on Equity (ROE) | 5.2941% | 4,132 |
| Retained earnings to average equity (ytd only) | 5.2941% | 2,275 |
| Net charge-offs to loans | 1.5016% | 93 |
| Credit loss provision to net charge-offs | 68.7690% | 2,928 |
| Earnings coverage of net charge-offs (x) | 1.9131% | 3,477 |
| Efficiency ratio | 66.0515% | 2,761 |
| Assets per employee ($millions) | 3.1939% | 4,705 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7160% | 4,545 |
| Loan loss allowance to noncurrent loans | 565.1885% | 886 |
| Noncurrent assets plus other real estate owned to assets | 1.5295% | 659 |
| Noncurrent loans to loans | 0.1267% | 4,015 |
| Net loans and leases to total assets | 51.7157% | 4,248 |
| Net loans and leases to deposits | 67.2505% | 3,876 |
| Net loans and leases to core deposits | 68.8286% | 4,037 |
| Total domestic deposits to total assets | 76.9001% | 4,498 |
| Equity capital to assets | 17.5257% | 413 |
| Core capital (leverage) ratio | 14.7927% | 729 |
| Tier 1 risk-based capital ratio | 16.9071% | 2,078 |
| Total risk-based capital ratio | 17.3781% | 2,306 |
| Memoranda: | ||
| Average total assets | $1,464,748,600 | 564 |
| Average earning assets | $1,109,910,600 | 655 |
| Average equity | $230,541,600 | 420 |
| Average total loans | $787,689,000 | 722 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8731% | 1,904 |
| Cost of funding earning assets | 0.6523% | 3,443 |
| Net interest margin | 4.2209% | 1,324 |
| Noninterest income to average assets | 1.4267% | 448 |
| Noninterest expense to average assets | 2.9195% | 2,198 |
| Loan and lease loss provision to assets | 0.6519% | 169 |
| Net operating income to assets | 0.8801% | 3,416 |
| Return on assets (ROA) | 0.8801% | 3,498 |
| Pretax return on assets | 1.0742% | 3,364 |
| Return on Equity (ROE) | 5.7412% | 4,116 |
| Retained earnings to average equity (ytd only) | 5.7412% | 2,482 |
| Net charge-offs to loans | 1.8573% | 64 |
| Credit loss provision to net charge-offs | 64.8006% | 2,672 |
| Earnings coverage of net charge-offs (x) | 1.7158% | 3,263 |
| Efficiency ratio | 62.8450% | 3,190 |
| Assets per employee ($millions) | 3.3388% | 4,639 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6682% | 4,703 |
| Loan loss allowance to noncurrent loans | 345.9943% | 1,344 |
| Noncurrent assets plus other real estate owned to assets | 1.6365% | 637 |
| Noncurrent loans to loans | 0.1931% | 3,848 |
| Net loans and leases to total assets | 50.9164% | 4,378 |
| Net loans and leases to deposits | 66.5815% | 4,020 |
| Net loans and leases to core deposits | 67.8492% | 4,182 |
| Total domestic deposits to total assets | 76.4724% | 4,590 |
| Equity capital to assets | 16.7632% | 509 |
| Core capital (leverage) ratio | 14.2512% | 917 |
| Tier 1 risk-based capital ratio | 16.8460% | 2,134 |
| Total risk-based capital ratio | 17.2972% | 2,350 |
| Memoranda: | ||
| Average total assets | $1,489,192,500 | 555 |
| Average earning assets | $1,135,693,500 | 635 |
| Average equity | $228,284,000 | 426 |
| Average total loans | $806,602,000 | 712 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8681% | 1,851 |
| Cost of funding earning assets | 0.6891% | 3,224 |
| Net interest margin | 4.1791% | 1,410 |
| Noninterest income to average assets | 1.3418% | 490 |
| Noninterest expense to average assets | 2.7907% | 2,621 |
| Loan and lease loss provision to assets | 1.0075% | 96 |
| Net operating income to assets | 0.6502% | 4,165 |
| Return on assets (ROA) | 0.6502% | 4,215 |
| Pretax return on assets | 0.7617% | 4,190 |
| Return on Equity (ROE) | 4.3688% | 4,504 |
| Retained earnings to average equity (ytd only) | 4.3688% | 3,083 |
| Net charge-offs to loans | 2.4449% | 42 |
| Credit loss provision to net charge-offs | 74.8357% | 2,280 |
| Earnings coverage of net charge-offs (x) | 1.3141% | 3,027 |
| Efficiency ratio | 61.2010% | 3,556 |
| Assets per employee ($millions) | 3.3762% | 4,633 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7807% | 4,510 |
| Loan loss allowance to noncurrent loans | 150.6047% | 2,637 |
| Noncurrent assets plus other real estate owned to assets | 1.7409% | 593 |
| Noncurrent loans to loans | 0.5184% | 2,726 |
| Net loans and leases to total assets | 52.3110% | 4,335 |
| Net loans and leases to deposits | 69.3535% | 3,894 |
| Net loans and leases to core deposits | 70.8842% | 4,069 |
| Total domestic deposits to total assets | 75.4266% | 4,735 |
| Equity capital to assets | 15.3006% | 745 |
| Core capital (leverage) ratio | 13.1012% | 1,256 |
| Tier 1 risk-based capital ratio | 15.1614% | 2,765 |
| Total risk-based capital ratio | 15.6846% | 3,014 |
| Memoranda: | ||
| Average total assets | $1,514,821,330 | 551 |
| Average earning assets | $1,166,484,670 | 624 |
| Average equity | $225,463,000 | 429 |
| Average total loans | $834,158,330 | 689 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7662% | 2,007 |
| Cost of funding earning assets | 0.7045% | 3,028 |
| Net interest margin | 4.0617% | 1,661 |
| Noninterest income to average assets | 1.3058% | 500 |
| Noninterest expense to average assets | 2.6544% | 3,043 |
| Loan and lease loss provision to assets | 1.7908% | 45 |
| Net operating income to assets | 0.1567% | 5,048 |
| Return on assets (ROA) | 0.1567% | 5,053 |
| Pretax return on assets | 0.0066% | 5,139 |
| Return on Equity (ROE) | 1.0680% | 5,061 |
| Retained earnings to average equity (ytd only) | 1.0680% | 4,296 |
| Net charge-offs to loans | 0.1126% | 1,060 |
| Credit loss provision to net charge-offs | 2,827.9167% | 155 |
| Earnings coverage of net charge-offs (x) | 28.3833% | 1,362 |
| Efficiency ratio | 59.6254% | 3,858 |
| Assets per employee ($millions) | 3.3468% | 4,702 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7934% | 713 |
| Loan loss allowance to noncurrent loans | 43.4028% | 4,387 |
| Noncurrent assets plus other real estate owned to assets | 2.3518% | 351 |
| Noncurrent loans to loans | 4.1320% | 174 |
| Net loans and leases to total assets | 55.8962% | 4,069 |
| Net loans and leases to deposits | 74.7000% | 3,384 |
| Net loans and leases to core deposits | 76.4868% | 3,629 |
| Total domestic deposits to total assets | 74.8276% | 4,871 |
| Equity capital to assets | 14.9276% | 769 |
| Core capital (leverage) ratio | 12.7518% | 1,378 |
| Tier 1 risk-based capital ratio | 14.4787% | 3,106 |
| Total risk-based capital ratio | 15.6868% | 3,054 |
| Memoranda: | ||
| Average total assets | $1,515,964,500 | 550 |
| Average earning assets | $1,174,176,500 | 623 |
| Average equity | $222,481,000 | 433 |
| Average total loans | $852,513,500 | 685 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6347% | 2,040 |
| Cost of funding earning assets | 0.5681% | 2,935 |
| Net interest margin | 4.0666% | 1,781 |
| Noninterest income to average assets | 1.4134% | 457 |
| Noninterest expense to average assets | 2.6866% | 3,071 |
| Loan and lease loss provision to assets | 0.3739% | 389 |
| Net operating income to assets | 1.2007% | 2,168 |
| Return on assets (ROA) | 1.2007% | 2,165 |
| Pretax return on assets | 1.5297% | 1,680 |
| Return on Equity (ROE) | 8.8461% | 3,068 |
| Retained earnings to average equity (ytd only) | 8.8461% | 924 |
| Net charge-offs to loans | 0.6109% | 280 |
| Credit loss provision to net charge-offs | 111.7305% | 2,316 |
| Earnings coverage of net charge-offs (x) | 5.6883% | 3,164 |
| Efficiency ratio | 58.5289% | 4,077 |
| Assets per employee ($millions) | 3.7298% | 4,283 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0347% | 3,475 |
| Loan loss allowance to noncurrent loans | 24.8305% | 4,699 |
| Noncurrent assets plus other real estate owned to assets | 2.3168% | 355 |
| Noncurrent loans to loans | 4.1670% | 174 |
| Net loans and leases to total assets | 54.9913% | 4,212 |
| Net loans and leases to deposits | 75.7676% | 3,366 |
| Net loans and leases to core deposits | 77.7293% | 3,604 |
| Total domestic deposits to total assets | 72.5789% | 5,038 |
| Equity capital to assets | 14.4285% | 860 |
| Core capital (leverage) ratio | 12.5280% | 1,440 |
| Tier 1 risk-based capital ratio | 13.9541% | 3,311 |
| Total risk-based capital ratio | 14.6404% | 3,506 |
| Memoranda: | ||
| Average total assets | $1,543,698,600 | 531 |
| Average earning assets | $1,205,957,200 | 595 |
| Average equity | $209,526,600 | 435 |
| Average total loans | $845,704,600 | 661 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5655% | 2,084 |
| Cost of funding earning assets | 0.5385% | 2,941 |
| Net interest margin | 4.0270% | 1,864 |
| Noninterest income to average assets | 1.4120% | 477 |
| Noninterest expense to average assets | 2.7492% | 2,816 |
| Loan and lease loss provision to assets | 0.4261% | 294 |
| Net operating income to assets | 1.0769% | 2,759 |
| Return on assets (ROA) | 1.0769% | 2,767 |
| Pretax return on assets | 1.3928% | 2,252 |
| Return on Equity (ROE) | 8.0599% | 3,525 |
| Retained earnings to average equity (ytd only) | 8.0599% | 1,618 |
| Net charge-offs to loans | 0.7696% | 182 |
| Credit loss provision to net charge-offs | 101.4151% | 2,235 |
| Earnings coverage of net charge-offs (x) | 4.3292% | 3,075 |
| Efficiency ratio | 60.1822% | 3,796 |
| Assets per employee ($millions) | 3.5302% | 4,520 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9674% | 3,956 |
| Loan loss allowance to noncurrent loans | 686.7720% | 821 |
| Noncurrent assets plus other real estate owned to assets | 0.0796% | 4,570 |
| Noncurrent loans to loans | 0.1409% | 4,251 |
| Net loans and leases to total assets | 55.2832% | 4,275 |
| Net loans and leases to deposits | 75.9550% | 3,419 |
| Net loans and leases to core deposits | 77.8833% | 3,667 |
| Total domestic deposits to total assets | 72.7841% | 5,074 |
| Equity capital to assets | 13.7338% | 1,047 |
| Core capital (leverage) ratio | 12.0841% | 1,736 |
| Tier 1 risk-based capital ratio | 13.8519% | 3,443 |
| Total risk-based capital ratio | 14.5166% | 3,661 |
| Memoranda: | ||
| Average total assets | $1,547,316,500 | 527 |
| Average earning assets | $1,212,683,000 | 593 |
| Average equity | $206,747,000 | 437 |
| Average total loans | $844,697,250 | 656 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4785% | 2,163 |
| Cost of funding earning assets | 0.5095% | 2,938 |
| Net interest margin | 3.9690% | 1,965 |
| Noninterest income to average assets | 1.3852% | 498 |
| Noninterest expense to average assets | 2.6795% | 3,081 |
| Loan and lease loss provision to assets | 0.0703% | 2,477 |
| Net operating income to assets | 1.3443% | 1,623 |
| Return on assets (ROA) | 1.3443% | 1,627 |
| Pretax return on assets | 1.7521% | 1,094 |
| Return on Equity (ROE) | 10.1534% | 2,498 |
| Retained earnings to average equity (ytd only) | 10.1534% | 885 |
| Net charge-offs to loans | 0.1112% | 1,263 |
| Credit loss provision to net charge-offs | 116.6667% | 1,824 |
| Earnings coverage of net charge-offs (x) | 30.2479% | 1,499 |
| Efficiency ratio | 59.5196% | 4,006 |
| Assets per employee ($millions) | 3.4733% | 4,633 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9563% | 4,083 |
| Loan loss allowance to noncurrent loans | 296.8391% | 1,655 |
| Noncurrent assets plus other real estate owned to assets | 0.1795% | 4,082 |
| Noncurrent loans to loans | 0.3222% | 3,550 |
| Net loans and leases to total assets | 54.8799% | 4,258 |
| Net loans and leases to deposits | 72.7309% | 3,656 |
| Net loans and leases to core deposits | 74.3582% | 3,857 |
| Total domestic deposits to total assets | 75.4561% | 4,908 |
| Equity capital to assets | 13.3995% | 1,137 |
| Core capital (leverage) ratio | 11.7295% | 1,886 |
| Tier 1 risk-based capital ratio | 13.9357% | 3,389 |
| Total risk-based capital ratio | 14.6185% | 3,616 |
| Memoranda: | ||
| Average total assets | $1,553,565,330 | 524 |
| Average earning assets | $1,219,952,670 | 587 |
| Average equity | $205,685,670 | 438 |
| Average total loans | $841,830,670 | 658 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3801% | 2,266 |
| Cost of funding earning assets | 0.4647% | 3,087 |
| Net interest margin | 3.9154% | 1,980 |
| Noninterest income to average assets | 1.3951% | 478 |
| Noninterest expense to average assets | 2.5946% | 3,347 |
| Loan and lease loss provision to assets | 0.0666% | 2,441 |
| Net operating income to assets | 1.3928% | 1,365 |
| Return on assets (ROA) | 1.3928% | 1,371 |
| Pretax return on assets | 1.8138% | 885 |
| Return on Equity (ROE) | 10.5839% | 2,136 |
| Retained earnings to average equity (ytd only) | 10.5839% | 997 |
| Net charge-offs to loans | 0.0953% | 1,222 |
| Credit loss provision to net charge-offs | 130.3030% | 1,335 |
| Earnings coverage of net charge-offs (x) | 36.8131% | 1,113 |
| Efficiency ratio | 57.9812% | 4,342 |
| Assets per employee ($millions) | 3.4511% | 4,725 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9632% | 4,149 |
| Loan loss allowance to noncurrent loans | 285.2300% | 1,711 |
| Noncurrent assets plus other real estate owned to assets | 0.1881% | 4,145 |
| Noncurrent loans to loans | 0.3377% | 3,548 |
| Net loans and leases to total assets | 54.2333% | 4,264 |
| Net loans and leases to deposits | 74.1884% | 3,397 |
| Net loans and leases to core deposits | 75.9546% | 3,671 |
| Total domestic deposits to total assets | 73.1021% | 5,214 |
| Equity capital to assets | 13.0593% | 1,211 |
| Core capital (leverage) ratio | 11.4817% | 2,025 |
| Tier 1 risk-based capital ratio | 13.3751% | 3,732 |
| Total risk-based capital ratio | 14.0514% | 3,948 |
| Memoranda: | ||
| Average total assets | $1,550,594,000 | 532 |
| Average earning assets | $1,219,689,500 | 593 |
| Average equity | $204,045,000 | 447 |
| Average total loans | $830,686,000 | 663 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9581% | 3,538 |
| Cost of funding earning assets | 0.2788% | 4,325 |
| Net interest margin | 3.6793% | 2,881 |
| Noninterest income to average assets | 1.4417% | 512 |
| Noninterest expense to average assets | 2.7000% | 3,128 |
| Loan and lease loss provision to assets | 0.0786% | 2,624 |
| Net operating income to assets | 1.0649% | 1,994 |
| Return on assets (ROA) | 1.0156% | 2,206 |
| Pretax return on assets | 1.4904% | 1,683 |
| Return on Equity (ROE) | 7.8980% | 2,840 |
| Retained earnings to average equity (ytd only) | 7.8980% | 802 |
| Net charge-offs to loans | 0.1122% | 1,941 |
| Credit loss provision to net charge-offs | 138.0682% | 1,915 |
| Earnings coverage of net charge-offs (x) | 28.8420% | 1,588 |
| Efficiency ratio | 62.1924% | 3,907 |
| Assets per employee ($millions) | 3.2105% | 5,020 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0165% | 3,837 |
| Loan loss allowance to noncurrent loans | 1,281.0642% | 517 |
| Noncurrent assets plus other real estate owned to assets | 0.0447% | 4,911 |
| Noncurrent loans to loans | 0.0794% | 4,642 |
| Net loans and leases to total assets | 51.8315% | 4,526 |
| Net loans and leases to deposits | 73.5006% | 3,557 |
| Net loans and leases to core deposits | 75.3528% | 3,793 |
| Total domestic deposits to total assets | 70.5184% | 5,384 |
| Equity capital to assets | 13.2606% | 1,143 |
| Core capital (leverage) ratio | 11.3127% | 2,089 |
| Tier 1 risk-based capital ratio | 13.4097% | 3,682 |
| Total risk-based capital ratio | 14.1050% | 3,895 |
| Memoranda: | ||
| Average total assets | $1,546,347,750 | 503 |
| Average earning assets | $1,218,695,250 | 579 |
| Average equity | $198,847,250 | 439 |
| Average total loans | $784,599,250 | 670 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9233% | 3,612 |
| Cost of funding earning assets | 0.2509% | 4,558 |
| Net interest margin | 3.6725% | 2,852 |
| Noninterest income to average assets | 1.4398% | 517 |
| Noninterest expense to average assets | 2.7053% | 3,051 |
| Loan and lease loss provision to assets | 0.0796% | 2,491 |
| Net operating income to assets | 1.0228% | 2,457 |
| Return on assets (ROA) | 1.0154% | 2,529 |
| Pretax return on assets | 1.5425% | 1,609 |
| Return on Equity (ROE) | 7.9787% | 3,131 |
| Retained earnings to average equity (ytd only) | 7.9787% | 1,232 |
| Net charge-offs to loans | 0.1099% | 1,691 |
| Credit loss provision to net charge-offs | 144.3058% | 1,740 |
| Earnings coverage of net charge-offs (x) | 29.6083% | 1,566 |
| Efficiency ratio | 62.3522% | 3,832 |
| Assets per employee ($millions) | 3.4359% | 4,818 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0289% | 3,908 |
| Loan loss allowance to noncurrent loans | 1,993.6275% | 348 |
| Noncurrent assets plus other real estate owned to assets | 0.0294% | 5,096 |
| Noncurrent loans to loans | 0.0516% | 4,879 |
| Net loans and leases to total assets | 50.2677% | 4,681 |
| Net loans and leases to deposits | 68.6660% | 4,069 |
| Net loans and leases to core deposits | 70.3300% | 4,223 |
| Total domestic deposits to total assets | 73.2061% | 5,297 |
| Equity capital to assets | 12.9666% | 1,400 |
| Core capital (leverage) ratio | 11.0808% | 2,386 |
| Tier 1 risk-based capital ratio | 13.2832% | 3,830 |
| Total risk-based capital ratio | 13.9832% | 4,081 |
| Memoranda: | ||
| Average total assets | $1,549,179,330 | 507 |
| Average earning assets | $1,222,873,000 | 574 |
| Average equity | $197,153,330 | 442 |
| Average total loans | $777,706,330 | 676 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8558% | 3,700 |
| Cost of funding earning assets | 0.2244% | 4,766 |
| Net interest margin | 3.6314% | 2,908 |
| Noninterest income to average assets | 1.4103% | 543 |
| Noninterest expense to average assets | 2.6673% | 3,207 |
| Loan and lease loss provision to assets | 0.0840% | 2,307 |
| Net operating income to assets | 1.0072% | 2,390 |
| Return on assets (ROA) | 0.9960% | 2,496 |
| Pretax return on assets | 1.5112% | 1,597 |
| Return on Equity (ROE) | 7.9016% | 3,091 |
| Retained earnings to average equity (ytd only) | 7.9016% | 1,206 |
| Net charge-offs to loans | 0.1086% | 1,545 |
| Credit loss provision to net charge-offs | 154.8926% | 1,497 |
| Earnings coverage of net charge-offs (x) | 29.7327% | 1,470 |
| Efficiency ratio | 62.3284% | 3,935 |
| Assets per employee ($millions) | 3.4602% | 4,784 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0501% | 3,850 |
| Loan loss allowance to noncurrent loans | 1,655.9426% | 396 |
| Noncurrent assets plus other real estate owned to assets | 0.0363% | 5,116 |
| Noncurrent loans to loans | 0.0634% | 4,873 |
| Net loans and leases to total assets | 49.5629% | 4,735 |
| Net loans and leases to deposits | 63.9175% | 4,372 |
| Net loans and leases to core deposits | 65.4112% | 4,514 |
| Total domestic deposits to total assets | 77.5421% | 4,885 |
| Equity capital to assets | 12.8470% | 1,445 |
| Core capital (leverage) ratio | 10.6887% | 2,713 |
| Tier 1 risk-based capital ratio | 13.4148% | 3,739 |
| Total risk-based capital ratio | 14.1338% | 3,986 |
| Memoranda: | ||
| Average total assets | $1,545,540,500 | 511 |
| Average earning assets | $1,221,137,000 | 576 |
| Average equity | $194,820,500 | 449 |
| Average total loans | $771,295,000 | 685 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6739% | 4,188 |
| Cost of funding earning assets | 0.1992% | 4,984 |
| Net interest margin | 3.4748% | 3,374 |
| Noninterest income to average assets | 1.3674% | 563 |
| Noninterest expense to average assets | 2.6013% | 3,497 |
| Loan and lease loss provision to assets | 0.1595% | 1,133 |
| Net operating income to assets | 0.9013% | 2,757 |
| Return on assets (ROA) | 0.8935% | 2,843 |
| Pretax return on assets | 1.3460% | 2,072 |
| Return on Equity (ROE) | 7.2252% | 3,309 |
| Retained earnings to average equity (ytd only) | 7.2252% | 1,774 |
| Net charge-offs to loans | 0.1097% | 1,294 |
| Credit loss provision to net charge-offs | 292.4528% | 800 |
| Earnings coverage of net charge-offs (x) | 27.8208% | 1,267 |
| Efficiency ratio | 63.1582% | 3,963 |
| Assets per employee ($millions) | 3.6497% | 4,576 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0683% | 3,892 |
| Loan loss allowance to noncurrent loans | 2,090.8861% | 341 |
| Noncurrent assets plus other real estate owned to assets | 0.0463% | 5,122 |
| Noncurrent loans to loans | 0.0511% | 4,986 |
| Net loans and leases to total assets | 49.1911% | 4,735 |
| Net loans and leases to deposits | 61.1013% | 4,489 |
| Net loans and leases to core deposits | 62.0659% | 4,658 |
| Total domestic deposits to total assets | 80.5075% | 4,522 |
| Equity capital to assets | 12.3666% | 1,625 |
| Core capital (leverage) ratio | 10.6066% | 2,780 |
| Tier 1 risk-based capital ratio | 13.0194% | 4,070 |
| Total risk-based capital ratio | 13.7491% | 4,293 |
| Memoranda: | ||
| Average total assets | $1,554,772,000 | 508 |
| Average earning assets | $1,231,048,000 | 573 |
| Average equity | $192,272,000 | 451 |
| Average total loans | $773,069,000 | 680 |