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Infinity Bank, 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 | 6.6334% | 307 |
| Cost of funding earning assets | 1.3051% | 2,501 |
| Net interest margin | 5.3283% | 227 |
| Noninterest income to average assets | 0.1300% | 4,146 |
| Noninterest expense to average assets | 2.7926% | 1,520 |
| Loan and lease loss provision to assets | 0.5800% | 141 |
| Net operating income to assets | 1.3479% | 1,327 |
| Return on assets (ROA) | 1.3479% | 1,301 |
| Pretax return on assets | 1.8909% | 783 |
| Return on Equity (ROE) | 13.2900% | 1,649 |
| Retained earnings to average equity (ytd only) | 12.3555% | 596 |
| Net charge-offs to loans | 0.6606% | 149 |
| Credit loss provision to net charge-offs | 157.1683% | 1,429 |
| Earnings coverage of net charge-offs (x) | 6.8290% | 2,444 |
| Efficiency ratio | 53.0057% | 3,751 |
| Assets per employee ($millions) | 9.5272% | 825 |
| Cash dividends to net income (ytd only)* | 7.0180% | 3,297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5977% | 837 |
| Loan loss allowance to noncurrent loans | 226.2391% | 2,379 |
| Noncurrent assets plus other real estate owned to assets | 0.4500% | 1,234 |
| Noncurrent loans to loans | 0.7062% | 1,103 |
| Net loans and leases to total assets | 62.7100% | 2,605 |
| Net loans and leases to deposits | 76.5768% | 2,394 |
| Net loans and leases to core deposits | 81.4756% | 2,623 |
| Total domestic deposits to total assets | 81.8900% | 3,147 |
| Equity capital to assets | 11.1611% | 1,412 |
| Core capital (leverage) ratio | 13.2620% | 977 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3541% | 859 |
| Memoranda: | ||
| Average total assets | $309,749,200 | 2,380 |
| Average earning assets | $298,896,000 | 2,311 |
| Average equity | $31,419,200 | 2,201 |
| Average total loans | $169,994,000 | 2,521 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6289% | 273 |
| Cost of funding earning assets | 1.2482% | 2,284 |
| Net interest margin | 5.3807% | 202 |
| Noninterest income to average assets | 0.1100% | 4,262 |
| Noninterest expense to average assets | 2.8247% | 1,380 |
| Loan and lease loss provision to assets | 0.2400% | 425 |
| Net operating income to assets | 1.5838% | 959 |
| Return on assets (ROA) | 1.5838% | 955 |
| Pretax return on assets | 2.2450% | 527 |
| Return on Equity (ROE) | 16.0100% | 1,256 |
| Retained earnings to average equity (ytd only) | 15.8216% | 477 |
| Net charge-offs to loans | 0.3066% | 286 |
| Credit loss provision to net charge-offs | 135.0133% | 1,389 |
| Earnings coverage of net charge-offs (x) | 15.3740% | 1,965 |
| Efficiency ratio | 53.1977% | 3,659 |
| Assets per employee ($millions) | 9.8936% | 692 |
| Cash dividends to net income (ytd only)* | 1.1640% | 2,982 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4860% | 1,145 |
| Loan loss allowance to noncurrent loans | 183.0042% | 2,609 |
| Noncurrent assets plus other real estate owned to assets | 0.4479% | 1,302 |
| Noncurrent loans to loans | 0.8120% | 1,020 |
| Net loans and leases to total assets | 54.3400% | 3,334 |
| Net loans and leases to deposits | 61.7020% | 3,419 |
| Net loans and leases to core deposits | 70.4879% | 3,186 |
| Total domestic deposits to total assets | 88.0700% | 1,543 |
| Equity capital to assets | 10.3220% | 1,635 |
| Core capital (leverage) ratio | 12.4541% | 1,251 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8714% | 711 |
| Memoranda: | ||
| Average total assets | $310,968,750 | 2,371 |
| Average earning assets | $300,275,750 | 2,308 |
| Average equity | $30,767,250 | 2,216 |
| Average total loans | $163,921,500 | 2,575 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5545% | 248 |
| Cost of funding earning assets | 1.1157% | 2,230 |
| Net interest margin | 5.4388% | 185 |
| Noninterest income to average assets | 0.1100% | 4,276 |
| Noninterest expense to average assets | 2.8244% | 1,365 |
| Loan and lease loss provision to assets | 0.1700% | 642 |
| Net operating income to assets | 1.6681% | 835 |
| Return on assets (ROA) | 1.6681% | 840 |
| Pretax return on assets | 2.3669% | 422 |
| Return on Equity (ROE) | 17.1100% | 1,084 |
| Retained earnings to average equity (ytd only) | 16.8271% | 402 |
| Net charge-offs to loans | 0.4702% | 180 |
| Credit loss provision to net charge-offs | 69.7613% | 1,595 |
| Earnings coverage of net charge-offs (x) | 10.4191% | 1,993 |
| Efficiency ratio | 52.6348% | 3,731 |
| Assets per employee ($millions) | 9.7031% | 730 |
| Cash dividends to net income (ytd only)* | 1.6680% | 2,871 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3838% | 1,587 |
| Loan loss allowance to noncurrent loans | 164.4258% | 2,827 |
| Noncurrent assets plus other real estate owned to assets | 0.4599% | 1,165 |
| Noncurrent loans to loans | 0.8416% | 909 |
| Net loans and leases to total assets | 53.8900% | 3,277 |
| Net loans and leases to deposits | 62.4171% | 3,280 |
| Net loans and leases to core deposits | 69.0419% | 3,182 |
| Total domestic deposits to total assets | 86.3400% | 2,135 |
| Equity capital to assets | 10.2561% | 1,709 |
| Core capital (leverage) ratio | 11.9036% | 1,423 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.3015% | 684 |
| Memoranda: | ||
| Average total assets | $309,093,000 | 2,386 |
| Average earning assets | $298,816,333 | 2,323 |
| Average equity | $30,130,000 | 2,259 |
| Average total loans | $160,351,333 | 2,599 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4193% | 202 |
| Cost of funding earning assets | 0.9291% | 2,277 |
| Net interest margin | 5.4902% | 151 |
| Noninterest income to average assets | 0.1000% | 4,366 |
| Noninterest expense to average assets | 2.6992% | 1,677 |
| Loan and lease loss provision to assets | 0.1800% | 597 |
| Net operating income to assets | 1.7861% | 691 |
| Return on assets (ROA) | 1.7861% | 682 |
| Pretax return on assets | 2.5319% | 343 |
| Return on Equity (ROE) | 18.8200% | 912 |
| Retained earnings to average equity (ytd only) | 18.2287% | 495 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 49.8443% | 3,954 |
| Assets per employee ($millions) | 9.5806% | 782 |
| Cash dividends to net income (ytd only)* | 3.1227% | 2,266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6776% | 866 |
| Loan loss allowance to noncurrent loans | 143.4014% | 3,019 |
| Noncurrent assets plus other real estate owned to assets | 0.5907% | 869 |
| Noncurrent loans to loans | 1.1698% | 599 |
| Net loans and leases to total assets | 49.6500% | 3,521 |
| Net loans and leases to deposits | 56.2782% | 3,555 |
| Net loans and leases to core deposits | 67.6636% | 3,120 |
| Total domestic deposits to total assets | 88.2200% | 1,847 |
| Equity capital to assets | 9.8839% | 1,880 |
| Core capital (leverage) ratio | 11.2672% | 1,683 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.2148% | 720 |
| Memoranda: | ||
| Average total assets | $308,390,000 | 2,417 |
| Average earning assets | $298,351,000 | 2,354 |
| Average equity | $29,272,500 | 2,319 |
| Average total loans | $155,687,000 | 2,659 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4959% | 724 |
| Cost of funding earning assets | 0.3688% | 2,343 |
| Net interest margin | 4.1271% | 625 |
| Noninterest income to average assets | 0.1000% | 4,426 |
| Noninterest expense to average assets | 2.4460% | 2,283 |
| Loan and lease loss provision to assets | 0.2600% | 356 |
| Net operating income to assets | 0.9743% | 2,659 |
| Return on assets (ROA) | 0.9743% | 2,603 |
| Pretax return on assets | 1.3942% | 1,783 |
| Return on Equity (ROE) | 11.0600% | 2,452 |
| Retained earnings to average equity (ytd only) | 11.0643% | 867 |
| Net charge-offs to loans | 0.2668% | 294 |
| Credit loss provision to net charge-offs | 195.8025% | 1,140 |
| Earnings coverage of net charge-offs (x) | 12.6494% | 2,102 |
| Efficiency ratio | 59.7248% | 3,096 |
| Assets per employee ($millions) | 10.0065% | 671 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6996% | 802 |
| Loan loss allowance to noncurrent loans | 146.2088% | 2,992 |
| Noncurrent assets plus other real estate owned to assets | 0.5867% | 852 |
| Noncurrent loans to loans | 1.1624% | 605 |
| Net loans and leases to total assets | 49.6200% | 3,530 |
| Net loans and leases to deposits | 55.6993% | 3,595 |
| Net loans and leases to core deposits | 55.6993% | 3,733 |
| Total domestic deposits to total assets | 89.0800% | 1,692 |
| Equity capital to assets | 9.1048% | 2,293 |
| Core capital (leverage) ratio | 9.8097% | 2,831 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3254% | 925 |
| Memoranda: | ||
| Average total assets | $310,583,000 | 2,405 |
| Average earning assets | $300,429,400 | 2,330 |
| Average equity | $27,349,200 | 2,461 |
| Average total loans | $151,818,400 | 2,616 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9743% | 1,322 |
| Cost of funding earning assets | 0.2979% | 2,190 |
| Net interest margin | 3.6763% | 1,201 |
| Noninterest income to average assets | 0.1000% | 4,457 |
| Noninterest expense to average assets | 2.4033% | 2,312 |
| Loan and lease loss provision to assets | 0.2600% | 302 |
| Net operating income to assets | 0.6982% | 3,571 |
| Return on assets (ROA) | 0.6982% | 3,533 |
| Pretax return on assets | 0.9918% | 3,040 |
| Return on Equity (ROE) | 8.0000% | 3,332 |
| Retained earnings to average equity (ytd only) | 7.9971% | 2,000 |
| Net charge-offs to loans | 0.1345% | 479 |
| Credit loss provision to net charge-offs | 401.3158% | 703 |
| Earnings coverage of net charge-offs (x) | 19.2171% | 1,731 |
| Efficiency ratio | 65.7200% | 2,320 |
| Assets per employee ($millions) | 10.7436% | 534 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8120% | 714 |
| Loan loss allowance to noncurrent loans | 59.6028% | 3,703 |
| Noncurrent assets plus other real estate owned to assets | 1.4216% | 245 |
| Noncurrent loans to loans | 3.0401% | 152 |
| Net loans and leases to total assets | 45.9100% | 3,766 |
| Net loans and leases to deposits | 50.8566% | 3,796 |
| Net loans and leases to core deposits | 50.8566% | 3,909 |
| Total domestic deposits to total assets | 90.2800% | 1,537 |
| Equity capital to assets | 8.0770% | 2,854 |
| Core capital (leverage) ratio | 9.2769% | 3,311 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4184% | 1,100 |
| Memoranda: | ||
| Average total assets | $310,678,750 | 2,415 |
| Average earning assets | $300,291,750 | 2,355 |
| Average equity | $27,125,750 | 2,506 |
| Average total loans | $150,631,250 | 2,637 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6196% | 1,776 |
| Cost of funding earning assets | 0.2802% | 1,905 |
| Net interest margin | 3.3394% | 1,791 |
| Noninterest income to average assets | 0.1147% | 4,421 |
| Noninterest expense to average assets | 2.2666% | 2,650 |
| Loan and lease loss provision to assets | 0.2399% | 310 |
| Net operating income to assets | 0.5880% | 3,661 |
| Return on assets (ROA) | 0.5880% | 3,608 |
| Pretax return on assets | 0.8396% | 3,233 |
| Return on Equity (ROE) | 6.5624% | 3,432 |
| Retained earnings to average equity (ytd only) | 6.5624% | 2,153 |
| Net charge-offs to loans | 0.2019% | 324 |
| Credit loss provision to net charge-offs | 242.1053% | 884 |
| Earnings coverage of net charge-offs (x) | 10.8947% | 1,745 |
| Efficiency ratio | 67.7382% | 2,277 |
| Assets per employee ($millions) | 10.8670% | 520 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6116% | 1,123 |
| Loan loss allowance to noncurrent loans | 48.5753% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | 1.6259% | 206 |
| Noncurrent loans to loans | 3.3177% | 143 |
| Net loans and leases to total assets | 48.2176% | 3,533 |
| Net loans and leases to deposits | 53.6767% | 3,559 |
| Net loans and leases to core deposits | 56.5521% | 3,523 |
| Total domestic deposits to total assets | 89.8297% | 1,782 |
| Equity capital to assets | 8.4552% | 2,795 |
| Core capital (leverage) ratio | 9.6334% | 2,786 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2418% | 1,136 |
| Memoranda: | ||
| Average total assets | $306,802,000 | 2,453 |
| Average earning assets | $296,880,667 | 2,400 |
| Average equity | $27,490,000 | 2,552 |
| Average total loans | $150,602,333 | 2,637 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5735% | 1,578 |
| Cost of funding earning assets | 0.2658% | 1,969 |
| Net interest margin | 3.3078% | 1,548 |
| Noninterest income to average assets | 0.1018% | 4,498 |
| Noninterest expense to average assets | 2.2205% | 2,776 |
| Loan and lease loss provision to assets | 0.2022% | 359 |
| Net operating income to assets | 0.6239% | 3,320 |
| Return on assets (ROA) | 0.6239% | 3,299 |
| Pretax return on assets | 0.8869% | 2,824 |
| Return on Equity (ROE) | 6.7641% | 3,111 |
| Retained earnings to average equity (ytd only) | 6.7641% | 1,974 |
| Net charge-offs to loans | 0.4089% | 166 |
| Credit loss provision to net charge-offs | 100.6579% | 1,008 |
| Earnings coverage of net charge-offs (x) | 5.4211% | 1,602 |
| Efficiency ratio | 67.0927% | 2,621 |
| Assets per employee ($millions) | 11.0156% | 507 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5443% | 1,414 |
| Loan loss allowance to noncurrent loans | 102.2482% | 3,366 |
| Noncurrent assets plus other real estate owned to assets | 0.7211% | 779 |
| Noncurrent loans to loans | 1.5104% | 542 |
| Net loans and leases to total assets | 47.0036% | 3,486 |
| Net loans and leases to deposits | 52.5860% | 3,528 |
| Net loans and leases to core deposits | 55.4824% | 3,493 |
| Total domestic deposits to total assets | 89.3842% | 1,875 |
| Equity capital to assets | 8.8242% | 2,859 |
| Core capital (leverage) ratio | 9.6998% | 2,592 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3235% | 1,690 |
| Memoranda: | ||
| Average total assets | $302,631,000 | 2,483 |
| Average earning assets | $293,490,000 | 2,427 |
| Average equity | $27,912,000 | 2,612 |
| Average total loans | $148,681,500 | 2,645 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9858% | 1,389 |
| Cost of funding earning assets | 0.2215% | 3,238 |
| Net interest margin | 3.7643% | 1,076 |
| Noninterest income to average assets | 0.1230% | 4,523 |
| Noninterest expense to average assets | 2.7722% | 1,429 |
| Loan and lease loss provision to assets | 0.2814% | 300 |
| Net operating income to assets | 1.2922% | 1,618 |
| Return on assets (ROA) | 1.2922% | 1,669 |
| Pretax return on assets | 0.7098% | 3,912 |
| Return on Equity (ROE) | 11.7166% | 1,910 |
| Retained earnings to average equity (ytd only) | 11.7166% | 579 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6609% | 1,344 |
| Assets per employee ($millions) | 10.9936% | 508 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5142% | 1,500 |
| Loan loss allowance to noncurrent loans | 225.4960% | 2,431 |
| Noncurrent assets plus other real estate owned to assets | 0.3396% | 1,868 |
| Noncurrent loans to loans | 0.6715% | 1,489 |
| Net loans and leases to total assets | 49.8070% | 3,306 |
| Net loans and leases to deposits | 56.3161% | 3,392 |
| Net loans and leases to core deposits | 59.5826% | 3,341 |
| Total domestic deposits to total assets | 88.4417% | 1,821 |
| Equity capital to assets | 9.6376% | 3,007 |
| Core capital (leverage) ratio | 9.1891% | 3,182 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6604% | 1,629 |
| Memoranda: | ||
| Average total assets | $245,548,000 | 2,762 |
| Average earning assets | $237,465,200 | 2,695 |
| Average equity | $27,081,200 | 2,718 |
| Average total loans | $147,175,400 | 2,655 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8952% | 1,781 |
| Cost of funding earning assets | 0.2056% | 3,552 |
| Net interest margin | 3.6896% | 1,358 |
| Noninterest income to average assets | 0.1283% | 4,552 |
| Noninterest expense to average assets | 2.7562% | 1,447 |
| Loan and lease loss provision to assets | 0.3107% | 248 |
| Net operating income to assets | 1.5657% | 1,113 |
| Return on assets (ROA) | 1.5657% | 1,160 |
| Pretax return on assets | 0.6182% | 4,209 |
| Return on Equity (ROE) | 13.6477% | 1,500 |
| Retained earnings to average equity (ytd only) | 13.6477% | 547 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7979% | 1,148 |
| Assets per employee ($millions) | 13.1724% | 292 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3829% | 2,097 |
| Loan loss allowance to noncurrent loans | 210.7143% | 2,461 |
| Noncurrent assets plus other real estate owned to assets | 0.3061% | 2,240 |
| Noncurrent loans to loans | 0.6563% | 1,672 |
| Net loans and leases to total assets | 45.9957% | 3,798 |
| Net loans and leases to deposits | 50.5895% | 3,980 |
| Net loans and leases to core deposits | 53.1440% | 3,970 |
| Total domestic deposits to total assets | 90.9195% | 395 |
| Equity capital to assets | 8.6423% | 4,109 |
| Core capital (leverage) ratio | 10.3912% | 2,150 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3593% | 1,842 |
| Memoranda: | ||
| Average total assets | $232,728,500 | 2,862 |
| Average earning assets | $224,336,500 | 2,810 |
| Average equity | $26,699,750 | 2,778 |
| Average total loans | $146,441,000 | 2,707 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2767% | 1,041 |
| Cost of funding earning assets | 0.2283% | 3,479 |
| Net interest margin | 4.0484% | 756 |
| Noninterest income to average assets | 0.1316% | 4,545 |
| Noninterest expense to average assets | 3.0927% | 854 |
| Loan and lease loss provision to assets | 0.2583% | 377 |
| Net operating income to assets | 0.5515% | 4,106 |
| Return on assets (ROA) | 0.5515% | 4,152 |
| Pretax return on assets | 0.6712% | 4,125 |
| Return on Equity (ROE) | 4.2354% | 4,290 |
| Retained earnings to average equity (ytd only) | 4.2354% | 3,445 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8907% | 999 |
| Assets per employee ($millions) | 8.1717% | 1,131 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1991% | 2,945 |
| Loan loss allowance to noncurrent loans | 178.5645% | 2,624 |
| Noncurrent assets plus other real estate owned to assets | 0.5047% | 1,653 |
| Noncurrent loans to loans | 0.6715% | 1,745 |
| Net loans and leases to total assets | 74.2502% | 726 |
| Net loans and leases to deposits | 86.0290% | 909 |
| Net loans and leases to core deposits | 86.0290% | 1,413 |
| Total domestic deposits to total assets | 86.3084% | 2,625 |
| Equity capital to assets | 12.9417% | 966 |
| Core capital (leverage) ratio | 13.0049% | 801 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3563% | 1,517 |
| Memoranda: | ||
| Average total assets | $200,534,333 | 3,094 |
| Average earning assets | $192,716,667 | 3,043 |
| Average equity | $26,113,000 | 2,803 |
| Average total loans | $144,057,000 | 2,742 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2141% | 1,172 |
| Cost of funding earning assets | 0.2194% | 3,728 |
| Net interest margin | 3.9947% | 846 |
| Noninterest income to average assets | 0.1027% | 4,673 |
| Noninterest expense to average assets | 3.3525% | 557 |
| Loan and lease loss provision to assets | 0.0946% | 1,413 |
| Net operating income to assets | 0.5054% | 4,169 |
| Return on assets (ROA) | 0.5054% | 4,206 |
| Pretax return on assets | 0.5054% | 4,343 |
| Return on Equity (ROE) | 3.8690% | 4,309 |
| Retained earnings to average equity (ytd only) | 3.8690% | 3,540 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.8192% | 556 |
| Assets per employee ($millions) | 7.6971% | 1,343 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1409% | 3,242 |
| Loan loss allowance to noncurrent loans | 153.1015% | 2,748 |
| Noncurrent assets plus other real estate owned to assets | 0.5529% | 1,711 |
| Noncurrent loans to loans | 0.7452% | 1,744 |
| Net loans and leases to total assets | 73.3506% | 869 |
| Net loans and leases to deposits | 88.3826% | 797 |
| Net loans and leases to core deposits | 88.3826% | 1,337 |
| Total domestic deposits to total assets | 82.9921% | 3,691 |
| Equity capital to assets | 13.5490% | 778 |
| Core capital (leverage) ratio | 13.0250% | 836 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8144% | 1,101 |
| Memoranda: | ||
| Average total assets | $198,655,000 | 3,101 |
| Average earning assets | $191,453,500 | 3,048 |
| Average equity | $25,950,000 | 2,798 |
| Average total loans | $139,321,000 | 2,792 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1478% | 2,286 |
| Cost of funding earning assets | 0.3615% | 3,812 |
| Net interest margin | 3.7863% | 1,539 |
| Noninterest income to average assets | 0.1279% | 4,639 |
| Noninterest expense to average assets | 3.5590% | 638 |
| Loan and lease loss provision to assets | 0.4110% | 741 |
| Net operating income to assets | -0.2040% | 4,818 |
| Return on assets (ROA) | -0.1983% | 4,833 |
| Pretax return on assets | -0.1977% | 4,822 |
| Return on Equity (ROE) | -1.2392% | 4,823 |
| Retained earnings to average equity (ytd only) | -1.2392% | 4,655 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.4858% | 260 |
| Assets per employee ($millions) | 8.1953% | 971 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1644% | 3,134 |
| Loan loss allowance to noncurrent loans | 144.0801% | 2,856 |
| Noncurrent assets plus other real estate owned to assets | 0.5359% | 1,957 |
| Noncurrent loans to loans | 0.8081% | 1,733 |
| Net loans and leases to total assets | 65.5421% | 2,152 |
| Net loans and leases to deposits | 77.8837% | 2,085 |
| Net loans and leases to core deposits | 77.8837% | 2,558 |
| Total domestic deposits to total assets | 84.1538% | 3,065 |
| Equity capital to assets | 12.6063% | 1,270 |
| Core capital (leverage) ratio | 12.0105% | 1,238 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4420% | 1,417 |
| Memoranda: | ||
| Average total assets | $160,327,400 | 3,281 |
| Average earning assets | $154,081,800 | 3,222 |
| Average equity | $25,661,800 | 2,756 |
| Average total loans | $107,463,000 | 3,130 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0945% | 2,689 |
| Cost of funding earning assets | 0.4059% | 3,778 |
| Net interest margin | 3.6886% | 1,979 |
| Noninterest income to average assets | 0.1332% | 4,627 |
| Noninterest expense to average assets | 3.7571% | 482 |
| Loan and lease loss provision to assets | 0.4149% | 822 |
| Net operating income to assets | -0.4978% | 4,899 |
| Return on assets (ROA) | -0.4897% | 4,902 |
| Pretax return on assets | -0.4897% | 4,896 |
| Return on Equity (ROE) | -2.8518% | 4,879 |
| Retained earnings to average equity (ytd only) | -2.8518% | 4,764 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.2622% | 152 |
| Assets per employee ($millions) | 7.5988% | 1,161 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0193% | 3,618 |
| Loan loss allowance to noncurrent loans | 122.6348% | 2,989 |
| Noncurrent assets plus other real estate owned to assets | 0.5954% | 1,944 |
| Noncurrent loans to loans | 0.8312% | 1,765 |
| Net loans and leases to total assets | 70.8991% | 1,833 |
| Net loans and leases to deposits | 88.2106% | 1,458 |
| Net loans and leases to core deposits | 101.5349% | 1,062 |
| Total domestic deposits to total assets | 80.3748% | 3,787 |
| Equity capital to assets | 13.4305% | 1,019 |
| Core capital (leverage) ratio | 13.2751% | 883 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5186% | 1,368 |
| Memoranda: | ||
| Average total assets | $149,188,750 | 3,400 |
| Average earning assets | $143,211,750 | 3,328 |
| Average equity | $25,620,250 | 2,753 |
| Average total loans | $100,362,250 | 3,233 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1050% | 3,040 |
| Cost of funding earning assets | 0.4207% | 3,949 |
| Net interest margin | 3.6843% | 2,227 |
| Noninterest income to average assets | 0.1445% | 4,582 |
| Noninterest expense to average assets | 3.9175% | 445 |
| Loan and lease loss provision to assets | 0.3319% | 1,288 |
| Net operating income to assets | -0.5782% | 4,925 |
| Return on assets (ROA) | -0.5649% | 4,922 |
| Pretax return on assets | -0.5649% | 4,907 |
| Return on Equity (ROE) | -2.9857% | 4,892 |
| Retained earnings to average equity (ytd only) | -2.9857% | 4,655 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.7095% | 129 |
| Assets per employee ($millions) | 7.2003% | 1,332 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9979% | 3,591 |
| Loan loss allowance to noncurrent loans | 101.5031% | 3,190 |
| Noncurrent assets plus other real estate owned to assets | 0.6283% | 1,934 |
| Noncurrent loans to loans | 0.9832% | 1,580 |
| Net loans and leases to total assets | 63.2683% | 2,961 |
| Net loans and leases to deposits | 79.8334% | 2,445 |
| Net loans and leases to core deposits | 92.8788% | 1,827 |
| Total domestic deposits to total assets | 79.2504% | 3,989 |
| Equity capital to assets | 14.1938% | 815 |
| Core capital (leverage) ratio | 15.3666% | 518 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6111% | 826 |
| Memoranda: | ||
| Average total assets | $135,595,000 | 3,536 |
| Average earning assets | $129,793,667 | 3,476 |
| Average equity | $25,655,667 | 2,743 |
| Average total loans | $88,458,333 | 3,447 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8855% | 1,227 |
| Cost of funding earning assets | 0.4725% | 4,057 |
| Net interest margin | 4.4129% | 607 |
| Noninterest income to average assets | 0.1658% | 4,540 |
| Noninterest expense to average assets | 4.9000% | 239 |
| Loan and lease loss provision to assets | 0.1164% | 2,233 |
| Net operating income to assets | -0.6667% | 4,954 |
| Return on assets (ROA) | -0.6420% | 4,927 |
| Pretax return on assets | -0.6420% | 4,910 |
| Return on Equity (ROE) | -2.8317% | 4,865 |
| Retained earnings to average equity (ytd only) | -2.8317% | 4,336 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 112.6521% | 139 |
| Assets per employee ($millions) | 4.7889% | 2,884 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2497% | 2,392 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 68.5850% | 2,455 |
| Net loans and leases to deposits | 91.3160% | 1,364 |
| Net loans and leases to core deposits | 91.3160% | 2,221 |
| Total domestic deposits to total assets | 75.1074% | 4,579 |
| Equity capital to assets | 23.2766% | 141 |
| Core capital (leverage) ratio | 22.1722% | 165 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.4090% | 319 |
| Memoranda: | ||
| Average total assets | $113,388,500 | 3,799 |
| Average earning assets | $107,502,500 | 3,761 |
| Average equity | $25,708,500 | 2,729 |
| Average total loans | $75,169,500 | 3,658 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8917% | 4,449 |
| Cost of funding earning assets | 0.4154% | 4,391 |
| Net interest margin | 3.4762% | 3,516 |
| Noninterest income to average assets | 0.1365% | 4,791 |
| Noninterest expense to average assets | 4.8998% | 231 |
| Loan and lease loss provision to assets | 0.7687% | 135 |
| Net operating income to assets | -2.1923% | 5,135 |
| Return on assets (ROA) | -1.9839% | 5,131 |
| Pretax return on assets | -1.9829% | 5,129 |
| Return on Equity (ROE) | -7.2670% | 5,103 |
| Retained earnings to average equity (ytd only) | -7.2670% | 5,033 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 140.9091% | 49 |
| Assets per employee ($millions) | 5.0710% | 2,487 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2500% | 2,169 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 62.5189% | 3,354 |
| Net loans and leases to deposits | 81.9126% | 2,567 |
| Net loans and leases to core deposits | 81.9126% | 3,127 |
| Total domestic deposits to total assets | 76.3238% | 4,566 |
| Equity capital to assets | 22.1029% | 180 |
| Core capital (leverage) ratio | 24.1270% | 135 |
| Tier 1 risk-based capital ratio | 28.5458% | 533 |
| Total risk-based capital ratio | 29.5676% | 533 |
| Memoranda: | ||
| Average total assets | $97,432,000 | 4,042 |
| Average earning assets | $93,636,200 | 3,977 |
| Average equity | $26,599,800 | 2,587 |
| Average total loans | $37,727,400 | 4,459 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6611% | 4,822 |
| Cost of funding earning assets | 0.4008% | 4,500 |
| Net interest margin | 3.2603% | 4,168 |
| Noninterest income to average assets | 0.1166% | 4,933 |
| Noninterest expense to average assets | 5.0277% | 208 |
| Loan and lease loss provision to assets | 0.5858% | 197 |
| Net operating income to assets | -2.3361% | 5,214 |
| Return on assets (ROA) | -2.1965% | 5,212 |
| Pretax return on assets | -2.1965% | 5,210 |
| Return on Equity (ROE) | -7.5904% | 5,187 |
| Retained earnings to average equity (ytd only) | -7.5904% | 5,118 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 153.4036% | 37 |
| Assets per employee ($millions) | 4.7876% | 2,812 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2505% | 2,233 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 41.6646% | 4,756 |
| Net loans and leases to deposits | 56.0183% | 4,549 |
| Net loans and leases to core deposits | 56.0183% | 4,684 |
| Total domestic deposits to total assets | 74.3768% | 4,793 |
| Equity capital to assets | 23.8923% | 141 |
| Core capital (leverage) ratio | 26.2593% | 108 |
| Tier 1 risk-based capital ratio | 40.3024% | 239 |
| Total risk-based capital ratio | 41.1990% | 243 |
| Memoranda: | ||
| Average total assets | $92,632,000 | 4,153 |
| Average earning assets | $89,806,750 | 4,095 |
| Average equity | $26,805,000 | 2,589 |
| Average total loans | $28,699,250 | 4,735 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4847% | 5,018 |
| Cost of funding earning assets | 0.4056% | 4,487 |
| Net interest margin | 3.0791% | 4,573 |
| Noninterest income to average assets | 0.1060% | 5,012 |
| Noninterest expense to average assets | 5.3891% | 169 |
| Loan and lease loss provision to assets | 0.5368% | 208 |
| Net operating income to assets | -2.8294% | 5,274 |
| Return on assets (ROA) | -2.8294% | 5,274 |
| Pretax return on assets | -2.8294% | 5,271 |
| Return on Equity (ROE) | -9.1063% | 5,233 |
| Retained earnings to average equity (ytd only) | -9.1063% | 5,161 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 174.0327% | 33 |
| Assets per employee ($millions) | 5.3058% | 2,146 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2509% | 2,246 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 30.2772% | 5,092 |
| Net loans and leases to deposits | 41.4423% | 5,012 |
| Net loans and leases to core deposits | 41.4423% | 5,054 |
| Total domestic deposits to total assets | 73.0587% | 4,902 |
| Equity capital to assets | 25.1169% | 122 |
| Core capital (leverage) ratio | 28.4040% | 80 |
| Tier 1 risk-based capital ratio | 58.1569% | 93 |
| Total risk-based capital ratio | 59.0555% | 94 |
| Memoranda: | ||
| Average total assets | $86,804,330 | 4,272 |
| Average earning assets | $84,311,670 | 4,204 |
| Average equity | $26,970,330 | 2,570 |
| Average total loans | $22,779,000 | 4,925 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2720% | 5,183 |
| Cost of funding earning assets | 0.3357% | 4,724 |
| Net interest margin | 2.9362% | 4,842 |
| Noninterest income to average assets | 0.0985% | 5,082 |
| Noninterest expense to average assets | 6.2425% | 128 |
| Loan and lease loss provision to assets | 0.5185% | 204 |
| Net operating income to assets | -3.8056% | 5,342 |
| Return on assets (ROA) | -3.8056% | 5,341 |
| Pretax return on assets | -3.8056% | 5,338 |
| Return on Equity (ROE) | -10.8224% | 5,300 |
| Retained earnings to average equity (ytd only) | -10.8224% | 5,133 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 211.2281% | 17 |
| Assets per employee ($millions) | 4.4082% | 3,319 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2522% | 2,310 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 25.7991% | 5,211 |
| Net loans and leases to deposits | 38.1639% | 5,109 |
| Net loans and leases to core deposits | 38.1639% | 5,137 |
| Total domestic deposits to total assets | 67.6007% | 5,181 |
| Equity capital to assets | 32.0984% | 63 |
| Core capital (leverage) ratio | 36.5797% | 53 |
| Tier 1 risk-based capital ratio | 88.2328% | 48 |
| Total risk-based capital ratio | 89.1362% | 47 |
| Memoranda: | ||
| Average total assets | $77,148,500 | 4,469 |
| Average earning assets | $75,062,000 | 4,386 |
| Average equity | $27,129,000 | 2,560 |
| Average total loans | $17,900,500 | 5,081 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8700% | 5,376 |
| Cost of funding earning assets | 0.0760% | 5,335 |
| Net interest margin | 1.7940% | 5,357 |
| Noninterest income to average assets | 0.0848% | 5,195 |
| Noninterest expense to average assets | 7.4614% | 98 |
| Loan and lease loss provision to assets | 0.3355% | 464 |
| Net operating income to assets | -5.9865% | 5,400 |
| Return on assets (ROA) | -5.9865% | 5,400 |
| Pretax return on assets | -5.9826% | 5,398 |
| Return on Equity (ROE) | -10.8711% | 5,353 |
| Retained earnings to average equity (ytd only) | -10.8711% | 5,327 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 411.2646% | 7 |
| Assets per employee ($millions) | 3.5271% | 4,520 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2501% | 2,296 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 19.4848% | 5,309 |
| Net loans and leases to deposits | 32.0486% | 5,244 |
| Net loans and leases to core deposits | 32.0486% | 5,259 |
| Total domestic deposits to total assets | 60.7978% | 5,311 |
| Equity capital to assets | 38.8053% | 49 |
| Core capital (leverage) ratio | 48.3475% | 38 |
| Tier 1 risk-based capital ratio | 124.7408% | 37 |
| Total risk-based capital ratio | 125.5321% | 37 |
| Memoranda: | ||
| Average total assets | $51,867,000 | 4,900 |
| Average earning assets | $49,999,500 | 4,856 |
| Average equity | $28,562,000 | 2,427 |
| Average total loans | $5,790,250 | 5,350 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6635% | 5,462 |
| Cost of funding earning assets | 0.0427% | 5,440 |
| Net interest margin | 1.6207% | 5,444 |
| Noninterest income to average assets | 0.0438% | 5,353 |
| Noninterest expense to average assets | 7.9954% | 88 |
| Loan and lease loss provision to assets | 0.1753% | 1,048 |
| Net operating income to assets | -6.5815% | 5,472 |
| Return on assets (ROA) | -6.5815% | 5,472 |
| Pretax return on assets | -6.5756% | 5,470 |
| Return on Equity (ROE) | -10.3734% | 5,419 |
| Retained earnings to average equity (ytd only) | -10.3734% | 5,393 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 501.2821% | 5 |
| Assets per employee ($millions) | 3.1344% | 4,936 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2573% | 2,323 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 7.9123% | 5,435 |
| Net loans and leases to deposits | 15.0418% | 5,417 |
| Net loans and leases to core deposits | 15.0418% | 5,416 |
| Total domestic deposits to total assets | 52.6019% | 5,424 |
| Equity capital to assets | 47.1009% | 37 |
| Core capital (leverage) ratio | 63.9956% | 32 |
| Tier 1 risk-based capital ratio | 274.0694% | 17 |
| Total risk-based capital ratio | 274.6525% | 17 |
| Memoranda: | ||
| Average total assets | $45,642,000 | 5,083 |
| Average earning assets | $43,683,000 | 5,035 |
| Average equity | $28,958,000 | 2,408 |
| Average total loans | $3,080,670 | 5,442 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4727% | 5,528 |
| Cost of funding earning assets | 0.0383% | 5,505 |
| Net interest margin | 1.4344% | 5,519 |
| Noninterest income to average assets | 0.0310% | 5,441 |
| Noninterest expense to average assets | 7.9873% | 90 |
| Loan and lease loss provision to assets | 0.2688% | 564 |
| Net operating income to assets | -6.8810% | 5,538 |
| Return on assets (ROA) | -6.8810% | 5,537 |
| Pretax return on assets | -6.8706% | 5,537 |
| Return on Equity (ROE) | -9.0507% | 5,467 |
| Retained earnings to average equity (ytd only) | -9.0507% | 5,404 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 576.4925% | 3 |
| Assets per employee ($millions) | 2.2771% | 5,397 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2425% | 2,475 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 9.5528% | 5,493 |
| Net loans and leases to deposits | 29.1982% | 5,403 |
| Net loans and leases to core deposits | 29.1982% | 5,410 |
| Total domestic deposits to total assets | 32.7170% | 5,508 |
| Equity capital to assets | 66.9363% | 34 |
| Core capital (leverage) ratio | 79.0712% | 28 |
| Tier 1 risk-based capital ratio | 257.6828% | 21 |
| Total risk-based capital ratio | 258.1441% | 21 |
| Memoranda: | ||
| Average total assets | $38,686,500 | 5,241 |
| Average earning assets | $36,530,500 | 5,216 |
| Average equity | $29,412,000 | 2,385 |
| Average total loans | $2,235,000 | 5,508 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.1001% | 5,600 |
| Cost of funding earning assets | 0.0124% | 5,586 |
| Net interest margin | 1.0878% | 5,597 |
| Noninterest income to average assets | 0.0000% | 5,557 |
| Noninterest expense to average assets | 6.5674% | 122 |
| Loan and lease loss provision to assets | 0.0469% | 2,829 |
| Net operating income to assets | -5.6057% | 5,595 |
| Return on assets (ROA) | -5.6057% | 5,593 |
| Pretax return on assets | -5.5823% | 5,593 |
| Return on Equity (ROE) | -6.4024% | 5,515 |
| Retained earnings to average equity (ytd only) | -6.4024% | 5,261 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 636.3636% | 4 |
| Assets per employee ($millions) | 1.7952% | 5,523 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4035% | 1,826 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 0.8239% | 5,573 |
| Net loans and leases to deposits | 6.7678% | 5,572 |
| Net loans and leases to core deposits | 6.7678% | 5,563 |
| Total domestic deposits to total assets | 12.1731% | 5,586 |
| Equity capital to assets | 87.5572% | 18 |
| Core capital (leverage) ratio | 89.3121% | 18 |
| Tier 1 risk-based capital ratio | 1,054.6384% | 2 |
| Total risk-based capital ratio | 1,054.7795% | 2 |
| Memoranda: | ||
| Average total assets | $34,108,000 | 5,375 |
| Average earning assets | $32,360,000 | 5,344 |
| Average equity | $29,864,000 | 2,378 |
| Average total loans | $285,000 | 5,575 |