Home > Primary Bank > Performance and Condition Ratios
Primary 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 | 5.4749% | 1,199 |
| Cost of funding earning assets | 1.3985% | 2,236 |
| Net interest margin | 4.0764% | 1,096 |
| Noninterest income to average assets | 0.0900% | 4,319 |
| Noninterest expense to average assets | 1.9818% | 3,676 |
| Loan and lease loss provision to assets | 0.1100% | 1,180 |
| Net operating income to assets | 1.4560% | 1,107 |
| Return on assets (ROA) | 1.4560% | 1,076 |
| Pretax return on assets | 1.9994% | 677 |
| Return on Equity (ROE) | 12.0200% | 1,949 |
| Retained earnings to average equity (ytd only) | 12.0173% | 629 |
| Net charge-offs to loans | 0.0929% | 956 |
| Credit loss provision to net charge-offs | 136.1111% | 1,552 |
| Earnings coverage of net charge-offs (x) | 26.7944% | 1,698 |
| Efficiency ratio | 48.4759% | 4,067 |
| Assets per employee ($millions) | 11.1796% | 511 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1404% | 2,601 |
| Loan loss allowance to noncurrent loans | 178.7007% | 2,644 |
| Noncurrent assets plus other real estate owned to assets | 0.8176% | 621 |
| Noncurrent loans to loans | 0.6382% | 1,236 |
| Net loans and leases to total assets | 83.9500% | 271 |
| Net loans and leases to deposits | 96.8503% | 727 |
| Net loans and leases to core deposits | 112.5342% | 868 |
| Total domestic deposits to total assets | 86.6800% | 1,796 |
| Equity capital to assets | 12.7338% | 929 |
| Core capital (leverage) ratio | 12.6931% | 1,144 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2351% | 1,468 |
| Memoranda: | ||
| Average total assets | $686,893,200 | 1,324 |
| Average earning assets | $674,169,000 | 1,273 |
| Average equity | $83,221,600 | 1,101 |
| Average total loans | $581,329,000 | 1,107 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3709% | 1,178 |
| Cost of funding earning assets | 1.2956% | 2,163 |
| Net interest margin | 4.0753% | 1,105 |
| Noninterest income to average assets | 0.0800% | 4,369 |
| Noninterest expense to average assets | 1.8221% | 3,936 |
| Loan and lease loss provision to assets | 0.0700% | 1,559 |
| Net operating income to assets | 1.5941% | 948 |
| Return on assets (ROA) | 1.5941% | 944 |
| Pretax return on assets | 2.1906% | 564 |
| Return on Equity (ROE) | 13.3300% | 1,839 |
| Retained earnings to average equity (ytd only) | 13.3295% | 769 |
| Net charge-offs to loans | 0.1180% | 679 |
| Credit loss provision to net charge-offs | 69.5906% | 1,812 |
| Earnings coverage of net charge-offs (x) | 22.6452% | 1,755 |
| Efficiency ratio | 44.6361% | 4,202 |
| Assets per employee ($millions) | 12.0297% | 373 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0982% | 2,875 |
| Loan loss allowance to noncurrent loans | 111.2646% | 3,113 |
| Noncurrent assets plus other real estate owned to assets | 1.0933% | 445 |
| Noncurrent loans to loans | 0.9871% | 825 |
| Net loans and leases to total assets | 82.1000% | 425 |
| Net loans and leases to deposits | 94.3295% | 872 |
| Net loans and leases to core deposits | 106.2673% | 1,002 |
| Total domestic deposits to total assets | 87.0400% | 1,882 |
| Equity capital to assets | 12.4251% | 938 |
| Core capital (leverage) ratio | 12.4461% | 1,254 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3102% | 1,472 |
| Memoranda: | ||
| Average total assets | $685,332,000 | 1,329 |
| Average earning assets | $672,725,500 | 1,268 |
| Average equity | $81,961,250 | 1,109 |
| Average total loans | $579,518,750 | 1,111 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3161% | 1,062 |
| Cost of funding earning assets | 1.1836% | 2,040 |
| Net interest margin | 4.1325% | 1,035 |
| Noninterest income to average assets | 0.0800% | 4,398 |
| Noninterest expense to average assets | 1.8626% | 3,889 |
| Loan and lease loss provision to assets | -0.0500% | 4,500 |
| Net operating income to assets | 1.6923% | 795 |
| Return on assets (ROA) | 1.6923% | 798 |
| Pretax return on assets | 2.3247% | 449 |
| Return on Equity (ROE) | 14.3400% | 1,614 |
| Retained earnings to average equity (ytd only) | 14.3412% | 640 |
| Net charge-offs to loans | 0.1080% | 644 |
| Credit loss provision to net charge-offs | -58.1470% | 4,532 |
| Earnings coverage of net charge-offs (x) | 24.7157% | 1,643 |
| Efficiency ratio | 45.0568% | 4,206 |
| Assets per employee ($millions) | 11.7862% | 402 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0343% | 3,274 |
| Loan loss allowance to noncurrent loans | 209.0246% | 2,543 |
| Noncurrent assets plus other real estate owned to assets | 0.7179% | 726 |
| Noncurrent loans to loans | 0.4948% | 1,472 |
| Net loans and leases to total assets | 82.8600% | 339 |
| Net loans and leases to deposits | 94.8135% | 794 |
| Net loans and leases to core deposits | 107.4267% | 931 |
| Total domestic deposits to total assets | 87.4000% | 1,803 |
| Equity capital to assets | 12.0902% | 1,023 |
| Core capital (leverage) ratio | 12.1021% | 1,318 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7291% | 1,645 |
| Memoranda: | ||
| Average total assets | $681,201,667 | 1,326 |
| Average earning assets | $668,306,333 | 1,268 |
| Average equity | $80,384,000 | 1,117 |
| Average total loans | $579,626,667 | 1,096 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1685% | 996 |
| Cost of funding earning assets | 1.0238% | 1,968 |
| Net interest margin | 4.1447% | 1,038 |
| Noninterest income to average assets | 0.0800% | 4,443 |
| Noninterest expense to average assets | 1.9492% | 3,750 |
| Loan and lease loss provision to assets | -0.0700% | 4,549 |
| Net operating income to assets | 1.6502% | 905 |
| Return on assets (ROA) | 1.6502% | 909 |
| Pretax return on assets | 2.2608% | 521 |
| Return on Equity (ROE) | 14.1600% | 1,749 |
| Retained earnings to average equity (ytd only) | 14.1637% | 919 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 47.0698% | 4,153 |
| Assets per employee ($millions) | 11.5671% | 445 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1014% | 3,044 |
| Loan loss allowance to noncurrent loans | 297.4442% | 2,211 |
| Noncurrent assets plus other real estate owned to assets | 0.6142% | 825 |
| Noncurrent loans to loans | 0.3703% | 1,822 |
| Net loans and leases to total assets | 82.8100% | 305 |
| Net loans and leases to deposits | 94.6317% | 743 |
| Net loans and leases to core deposits | 107.6130% | 774 |
| Total domestic deposits to total assets | 87.5100% | 2,084 |
| Equity capital to assets | 11.6372% | 1,113 |
| Core capital (leverage) ratio | 11.9832% | 1,310 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3729% | 1,840 |
| Memoranda: | ||
| Average total assets | $674,109,000 | 1,353 |
| Average earning assets | $660,695,000 | 1,298 |
| Average equity | $78,539,000 | 1,146 |
| Average total loans | $578,315,000 | 1,115 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2890% | 1,072 |
| Cost of funding earning assets | 0.3759% | 2,288 |
| Net interest margin | 3.9132% | 927 |
| Noninterest income to average assets | 0.0900% | 4,461 |
| Noninterest expense to average assets | 1.5679% | 4,347 |
| Loan and lease loss provision to assets | 0.2100% | 483 |
| Net operating income to assets | 1.5760% | 727 |
| Return on assets (ROA) | 1.5760% | 696 |
| Pretax return on assets | 2.1636% | 342 |
| Return on Equity (ROE) | 15.2600% | 1,192 |
| Retained earnings to average equity (ytd only) | 15.2629% | 271 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 39.8079% | 4,541 |
| Assets per employee ($millions) | 11.6775% | 428 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2357% | 2,219 |
| Loan loss allowance to noncurrent loans | 2,085.3372% | 582 |
| Noncurrent assets plus other real estate owned to assets | 0.3750% | 1,366 |
| Noncurrent loans to loans | 0.0593% | 3,328 |
| Net loans and leases to total assets | 86.9100% | 110 |
| Net loans and leases to deposits | 100.6699% | 415 |
| Net loans and leases to core deposits | 106.0797% | 743 |
| Total domestic deposits to total assets | 86.3300% | 2,633 |
| Equity capital to assets | 11.6697% | 1,027 |
| Core capital (leverage) ratio | 11.3821% | 1,579 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9371% | 2,000 |
| Memoranda: | ||
| Average total assets | $676,825,800 | 1,334 |
| Average earning assets | $665,416,000 | 1,279 |
| Average equity | $69,888,600 | 1,254 |
| Average total loans | $536,570,400 | 1,118 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9585% | 1,349 |
| Cost of funding earning assets | 0.3319% | 1,841 |
| Net interest margin | 3.6266% | 1,328 |
| Noninterest income to average assets | 0.1000% | 4,457 |
| Noninterest expense to average assets | 1.5672% | 4,341 |
| Loan and lease loss provision to assets | 0.1600% | 607 |
| Net operating income to assets | 1.4129% | 1,050 |
| Return on assets (ROA) | 1.4129% | 1,023 |
| Pretax return on assets | 1.9415% | 530 |
| Return on Equity (ROE) | 14.1200% | 1,399 |
| Retained earnings to average equity (ytd only) | 14.1233% | 449 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 42.7597% | 4,503 |
| Assets per employee ($millions) | 12.0525% | 376 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1781% | 2,643 |
| Loan loss allowance to noncurrent loans | 1,909.3842% | 588 |
| Noncurrent assets plus other real estate owned to assets | 0.3569% | 1,518 |
| Noncurrent loans to loans | 0.0617% | 3,436 |
| Net loans and leases to total assets | 79.5000% | 572 |
| Net loans and leases to deposits | 89.4080% | 933 |
| Net loans and leases to core deposits | 93.2160% | 1,135 |
| Total domestic deposits to total assets | 88.9100% | 2,125 |
| Equity capital to assets | 10.5961% | 1,334 |
| Core capital (leverage) ratio | 10.7280% | 1,937 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7494% | 2,152 |
| Memoranda: | ||
| Average total assets | $682,547,500 | 1,339 |
| Average earning assets | $671,720,250 | 1,279 |
| Average equity | $68,282,500 | 1,289 |
| Average total loans | $526,845,250 | 1,131 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7198% | 1,493 |
| Cost of funding earning assets | 0.3073% | 1,661 |
| Net interest margin | 3.4125% | 1,562 |
| Noninterest income to average assets | 0.0943% | 4,515 |
| Noninterest expense to average assets | 1.5620% | 4,343 |
| Loan and lease loss provision to assets | 0.1553% | 603 |
| Net operating income to assets | 1.2607% | 1,251 |
| Return on assets (ROA) | 1.2607% | 1,233 |
| Pretax return on assets | 1.7355% | 692 |
| Return on Equity (ROE) | 12.8575% | 1,417 |
| Retained earnings to average equity (ytd only) | 12.8575% | 480 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.2373% | 4,486 |
| Assets per employee ($millions) | 12.1839% | 361 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1681% | 2,863 |
| Loan loss allowance to noncurrent loans | 1,829.6188% | 595 |
| Noncurrent assets plus other real estate owned to assets | 0.3659% | 1,531 |
| Noncurrent loans to loans | 0.0638% | 3,478 |
| Net loans and leases to total assets | 78.7712% | 501 |
| Net loans and leases to deposits | 88.3324% | 813 |
| Net loans and leases to core deposits | 91.2961% | 1,049 |
| Total domestic deposits to total assets | 89.1759% | 2,100 |
| Equity capital to assets | 10.3972% | 1,483 |
| Core capital (leverage) ratio | 10.5293% | 1,921 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6306% | 2,239 |
| Memoranda: | ||
| Average total assets | $681,065,000 | 1,343 |
| Average earning assets | $670,308,333 | 1,290 |
| Average equity | $66,778,333 | 1,333 |
| Average total loans | $518,244,667 | 1,137 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5402% | 1,672 |
| Cost of funding earning assets | 0.3155% | 1,507 |
| Net interest margin | 3.2247% | 1,805 |
| Noninterest income to average assets | 0.0996% | 4,511 |
| Noninterest expense to average assets | 1.5580% | 4,355 |
| Loan and lease loss provision to assets | 0.1497% | 525 |
| Net operating income to assets | 1.1291% | 1,437 |
| Return on assets (ROA) | 1.1291% | 1,436 |
| Pretax return on assets | 1.5661% | 888 |
| Return on Equity (ROE) | 11.8657% | 1,357 |
| Retained earnings to average equity (ytd only) | 11.8657% | 624 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.5885% | 4,425 |
| Assets per employee ($millions) | 13.2510% | 295 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1506% | 3,097 |
| Loan loss allowance to noncurrent loans | 1,749.8534% | 604 |
| Noncurrent assets plus other real estate owned to assets | 0.3491% | 1,709 |
| Noncurrent loans to loans | 0.0658% | 3,518 |
| Net loans and leases to total assets | 72.9906% | 736 |
| Net loans and leases to deposits | 81.1556% | 1,063 |
| Net loans and leases to core deposits | 84.0707% | 1,239 |
| Total domestic deposits to total assets | 89.9391% | 1,601 |
| Equity capital to assets | 9.5138% | 2,269 |
| Core capital (leverage) ratio | 9.7355% | 2,558 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6081% | 2,378 |
| Memoranda: | ||
| Average total assets | $686,541,000 | 1,342 |
| Average earning assets | $675,779,000 | 1,282 |
| Average equity | $65,331,000 | 1,399 |
| Average total loans | $510,319,500 | 1,144 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0529% | 1,241 |
| Cost of funding earning assets | 0.4599% | 1,130 |
| Net interest margin | 3.5930% | 1,485 |
| Noninterest income to average assets | 0.0851% | 4,654 |
| Noninterest expense to average assets | 1.5273% | 4,508 |
| Loan and lease loss provision to assets | 0.3008% | 267 |
| Net operating income to assets | 1.3140% | 1,563 |
| Return on assets (ROA) | 1.3140% | 1,604 |
| Pretax return on assets | 1.8042% | 907 |
| Return on Equity (ROE) | 14.4082% | 1,085 |
| Retained earnings to average equity (ytd only) | 14.4082% | 276 |
| Net charge-offs to loans | 0.0376% | 1,501 |
| Credit loss provision to net charge-offs | 1,056.3536% | 514 |
| Earnings coverage of net charge-offs (x) | 73.9171% | 1,044 |
| Efficiency ratio | 42.0471% | 4,642 |
| Assets per employee ($millions) | 13.6801% | 262 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1449% | 3,150 |
| Loan loss allowance to noncurrent loans | 1,685.6305% | 603 |
| Noncurrent assets plus other real estate owned to assets | 0.3658% | 1,764 |
| Noncurrent loans to loans | 0.0679% | 3,604 |
| Net loans and leases to total assets | 74.0401% | 663 |
| Net loans and leases to deposits | 82.1958% | 1,049 |
| Net loans and leases to core deposits | 85.5506% | 1,230 |
| Total domestic deposits to total assets | 90.0778% | 922 |
| Equity capital to assets | 9.5188% | 3,133 |
| Core capital (leverage) ratio | 9.4026% | 2,968 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6222% | 2,402 |
| Memoranda: | ||
| Average total assets | $635,560,800 | 1,390 |
| Average earning assets | $627,470,800 | 1,327 |
| Average equity | $57,960,000 | 1,562 |
| Average total loans | $482,000,600 | 1,195 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1063% | 1,295 |
| Cost of funding earning assets | 0.4960% | 1,068 |
| Net interest margin | 3.6103% | 1,575 |
| Noninterest income to average assets | 0.0889% | 4,708 |
| Noninterest expense to average assets | 1.4529% | 4,639 |
| Loan and lease loss provision to assets | 0.3031% | 264 |
| Net operating income to assets | 1.3853% | 1,587 |
| Return on assets (ROA) | 1.3853% | 1,650 |
| Pretax return on assets | 1.9000% | 947 |
| Return on Equity (ROE) | 15.3700% | 1,068 |
| Retained earnings to average equity (ytd only) | 15.3700% | 349 |
| Net charge-offs to loans | 0.0512% | 1,156 |
| Credit loss provision to net charge-offs | 778.6885% | 599 |
| Earnings coverage of net charge-offs (x) | 56.6011% | 1,164 |
| Efficiency ratio | 39.7405% | 4,732 |
| Assets per employee ($millions) | 14.3102% | 230 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0973% | 3,454 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3073% | 2,231 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 69.0069% | 1,188 |
| Net loans and leases to deposits | 75.9949% | 1,675 |
| Net loans and leases to core deposits | 79.2846% | 1,797 |
| Total domestic deposits to total assets | 90.8047% | 432 |
| Equity capital to assets | 8.7940% | 4,005 |
| Core capital (leverage) ratio | 9.0983% | 3,447 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9052% | 2,396 |
| Memoranda: | ||
| Average total assets | $626,870,250 | 1,417 |
| Average earning assets | $619,355,000 | 1,351 |
| Average equity | $56,498,250 | 1,612 |
| Average total loans | $476,986,750 | 1,227 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9935% | 1,580 |
| Cost of funding earning assets | 0.5396% | 990 |
| Net interest margin | 3.4539% | 1,992 |
| Noninterest income to average assets | 0.0999% | 4,689 |
| Noninterest expense to average assets | 1.5368% | 4,590 |
| Loan and lease loss provision to assets | 0.3609% | 206 |
| Net operating income to assets | 1.1759% | 2,276 |
| Return on assets (ROA) | 1.1759% | 2,341 |
| Pretax return on assets | 1.6172% | 1,690 |
| Return on Equity (ROE) | 12.9285% | 1,742 |
| Retained earnings to average equity (ytd only) | 12.9285% | 732 |
| Net charge-offs to loans | 0.0861% | 819 |
| Credit loss provision to net charge-offs | 534.1463% | 658 |
| Earnings coverage of net charge-offs (x) | 29.2780% | 1,322 |
| Efficiency ratio | 43.7225% | 4,628 |
| Assets per employee ($millions) | 14.4357% | 212 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9811% | 3,882 |
| Loan loss allowance to noncurrent loans | 232.4491% | 2,245 |
| Noncurrent assets plus other real estate owned to assets | 0.3324% | 2,271 |
| Noncurrent loans to loans | 0.4221% | 2,418 |
| Net loans and leases to total assets | 77.9675% | 448 |
| Net loans and leases to deposits | 85.8455% | 920 |
| Net loans and leases to core deposits | 90.6392% | 1,094 |
| Total domestic deposits to total assets | 90.8231% | 429 |
| Equity capital to assets | 8.9982% | 3,799 |
| Core capital (leverage) ratio | 9.2829% | 3,137 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0000% | 2,370 |
| Memoranda: | ||
| Average total assets | $606,863,333 | 1,445 |
| Average earning assets | $600,018,667 | 1,378 |
| Average equity | $55,196,000 | 1,639 |
| Average total loans | $476,228,667 | 1,232 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1218% | 1,336 |
| Cost of funding earning assets | 0.5866% | 932 |
| Net interest margin | 3.5352% | 1,735 |
| Noninterest income to average assets | 0.0580% | 4,829 |
| Noninterest expense to average assets | 1.6521% | 4,462 |
| Loan and lease loss provision to assets | 0.2423% | 441 |
| Net operating income to assets | 1.2019% | 2,136 |
| Return on assets (ROA) | 1.2019% | 2,216 |
| Pretax return on assets | 1.6575% | 1,587 |
| Return on Equity (ROE) | 13.1398% | 1,634 |
| Retained earnings to average equity (ytd only) | 13.1398% | 887 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.5134% | 4,434 |
| Assets per employee ($millions) | 14.4169% | 221 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8816% | 4,205 |
| Loan loss allowance to noncurrent loans | 120.9116% | 3,104 |
| Noncurrent assets plus other real estate owned to assets | 0.5839% | 1,631 |
| Noncurrent loans to loans | 0.7291% | 1,781 |
| Net loans and leases to total assets | 79.3821% | 375 |
| Net loans and leases to deposits | 87.6353% | 856 |
| Net loans and leases to core deposits | 92.4096% | 1,092 |
| Total domestic deposits to total assets | 90.5823% | 551 |
| Equity capital to assets | 8.9257% | 3,756 |
| Core capital (leverage) ratio | 9.4889% | 3,051 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2131% | 1,842 |
| Memoranda: | ||
| Average total assets | $592,709,000 | 1,460 |
| Average earning assets | $585,765,000 | 1,391 |
| Average equity | $54,217,000 | 1,650 |
| Average total loans | $464,275,500 | 1,255 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8994% | 3,027 |
| Cost of funding earning assets | 0.8337% | 1,079 |
| Net interest margin | 3.0657% | 3,707 |
| Noninterest income to average assets | 0.0816% | 4,794 |
| Noninterest expense to average assets | 1.7740% | 4,515 |
| Loan and lease loss provision to assets | 0.2558% | 1,519 |
| Net operating income to assets | 0.7829% | 3,159 |
| Return on assets (ROA) | 0.7829% | 3,281 |
| Pretax return on assets | 1.0757% | 2,791 |
| Return on Equity (ROE) | 7.6918% | 2,929 |
| Retained earnings to average equity (ytd only) | 7.6918% | 1,146 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1244% | 3,841 |
| Assets per employee ($millions) | 13.7925% | 224 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9297% | 4,097 |
| Loan loss allowance to noncurrent loans | 103.0000% | 3,289 |
| Noncurrent assets plus other real estate owned to assets | 0.6897% | 1,510 |
| Noncurrent loans to loans | 0.9026% | 1,565 |
| Net loans and leases to total assets | 75.6946% | 822 |
| Net loans and leases to deposits | 83.9362% | 1,466 |
| Net loans and leases to core deposits | 88.3989% | 1,651 |
| Total domestic deposits to total assets | 90.1811% | 495 |
| Equity capital to assets | 9.3902% | 3,708 |
| Core capital (leverage) ratio | 9.9141% | 2,688 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2036% | 1,468 |
| Memoranda: | ||
| Average total assets | $449,486,800 | 1,704 |
| Average earning assets | $443,350,800 | 1,611 |
| Average equity | $45,750,200 | 1,821 |
| Average total loans | $359,026,200 | 1,482 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8338% | 3,456 |
| Cost of funding earning assets | 0.8925% | 1,090 |
| Net interest margin | 2.9413% | 4,104 |
| Noninterest income to average assets | 0.0751% | 4,835 |
| Noninterest expense to average assets | 1.8055% | 4,488 |
| Loan and lease loss provision to assets | 0.3727% | 989 |
| Net operating income to assets | 0.5790% | 3,834 |
| Return on assets (ROA) | 0.5790% | 3,929 |
| Pretax return on assets | 0.7968% | 3,657 |
| Return on Equity (ROE) | 5.5442% | 3,707 |
| Retained earnings to average equity (ytd only) | 5.5442% | 2,304 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6907% | 3,277 |
| Assets per employee ($millions) | 12.9765% | 256 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9061% | 4,052 |
| Loan loss allowance to noncurrent loans | 95.0176% | 3,336 |
| Noncurrent assets plus other real estate owned to assets | 0.7998% | 1,441 |
| Noncurrent loans to loans | 0.9536% | 1,583 |
| Net loans and leases to total assets | 83.1096% | 349 |
| Net loans and leases to deposits | 96.5667% | 718 |
| Net loans and leases to core deposits | 102.1411% | 1,021 |
| Total domestic deposits to total assets | 86.0645% | 2,036 |
| Equity capital to assets | 9.6198% | 3,582 |
| Core capital (leverage) ratio | 10.1248% | 2,594 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6544% | 1,337 |
| Memoranda: | ||
| Average total assets | $420,485,500 | 1,774 |
| Average earning assets | $414,552,500 | 1,687 |
| Average equity | $43,912,500 | 1,867 |
| Average total loans | $340,766,750 | 1,526 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8760% | 3,687 |
| Cost of funding earning assets | 0.9666% | 1,084 |
| Net interest margin | 2.9093% | 4,295 |
| Noninterest income to average assets | 0.0490% | 4,915 |
| Noninterest expense to average assets | 1.9875% | 4,254 |
| Loan and lease loss provision to assets | 0.3632% | 1,159 |
| Net operating income to assets | 0.4086% | 4,218 |
| Return on assets (ROA) | 0.4086% | 4,279 |
| Pretax return on assets | 0.5646% | 4,129 |
| Return on Equity (ROE) | 3.7744% | 4,177 |
| Retained earnings to average equity (ytd only) | 3.7744% | 3,028 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1761% | 2,212 |
| Assets per employee ($millions) | 12.7149% | 270 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8434% | 4,210 |
| Loan loss allowance to noncurrent loans | 168.9900% | 2,411 |
| Noncurrent assets plus other real estate owned to assets | 0.4147% | 2,634 |
| Noncurrent loans to loans | 0.4991% | 2,656 |
| Net loans and leases to total assets | 82.3901% | 387 |
| Net loans and leases to deposits | 100.5485% | 520 |
| Net loans and leases to core deposits | 122.5448% | 369 |
| Total domestic deposits to total assets | 81.9406% | 3,390 |
| Equity capital to assets | 9.7124% | 3,460 |
| Core capital (leverage) ratio | 11.1051% | 1,887 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2293% | 1,197 |
| Memoranda: | ||
| Average total assets | $383,301,667 | 1,879 |
| Average earning assets | $377,610,333 | 1,795 |
| Average equity | $41,489,667 | 1,937 |
| Average total loans | $305,616,667 | 1,643 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2032% | 3,196 |
| Cost of funding earning assets | 1.1215% | 984 |
| Net interest margin | 3.0816% | 4,132 |
| Noninterest income to average assets | 0.0561% | 4,958 |
| Noninterest expense to average assets | 2.2392% | 3,913 |
| Loan and lease loss provision to assets | 0.2981% | 1,039 |
| Net operating income to assets | 0.3954% | 4,145 |
| Return on assets (ROA) | 0.3954% | 4,180 |
| Pretax return on assets | 0.5489% | 4,035 |
| Return on Equity (ROE) | 3.3781% | 4,121 |
| Retained earnings to average equity (ytd only) | 3.3781% | 2,928 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5546% | 1,998 |
| Assets per employee ($millions) | 9.7750% | 414 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2054% | 2,643 |
| Loan loss allowance to noncurrent loans | 146.5566% | 2,587 |
| Noncurrent assets plus other real estate owned to assets | 0.6197% | 2,157 |
| Noncurrent loans to loans | 0.8225% | 1,961 |
| Net loans and leases to total assets | 74.4292% | 1,543 |
| Net loans and leases to deposits | 86.5513% | 1,924 |
| Net loans and leases to core deposits | 110.8736% | 808 |
| Total domestic deposits to total assets | 85.9943% | 2,005 |
| Equity capital to assets | 13.3484% | 1,285 |
| Core capital (leverage) ratio | 15.2370% | 639 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9320% | 1,155 |
| Memoranda: | ||
| Average total assets | $320,655,000 | 2,088 |
| Average earning assets | $315,286,500 | 1,998 |
| Average equity | $37,536,000 | 2,090 |
| Average total loans | $247,127,000 | 1,884 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6775% | 2,396 |
| Cost of funding earning assets | 1.2626% | 859 |
| Net interest margin | 3.4150% | 3,699 |
| Noninterest income to average assets | 0.0735% | 4,990 |
| Noninterest expense to average assets | 2.2792% | 3,993 |
| Loan and lease loss provision to assets | 0.2971% | 569 |
| Net operating income to assets | 0.9309% | 3,087 |
| Return on assets (ROA) | 0.9309% | 3,167 |
| Pretax return on assets | 0.8702% | 3,823 |
| Return on Equity (ROE) | 8.3256% | 3,030 |
| Retained earnings to average equity (ytd only) | 8.3256% | 880 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1327% | 2,751 |
| Assets per employee ($millions) | 9.0662% | 495 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2126% | 2,361 |
| Loan loss allowance to noncurrent loans | 71.2901% | 3,738 |
| Noncurrent assets plus other real estate owned to assets | 1.3446% | 800 |
| Noncurrent loans to loans | 1.7010% | 810 |
| Net loans and leases to total assets | 78.0916% | 1,070 |
| Net loans and leases to deposits | 87.3335% | 1,933 |
| Net loans and leases to core deposits | 106.4468% | 1,084 |
| Total domestic deposits to total assets | 89.4176% | 520 |
| Equity capital to assets | 9.8280% | 4,080 |
| Core capital (leverage) ratio | 10.6199% | 2,835 |
| Tier 1 risk-based capital ratio | 11.5976% | 4,576 |
| Total risk-based capital ratio | 12.7288% | 4,513 |
| Memoranda: | ||
| Average total assets | $251,794,600 | 2,449 |
| Average earning assets | $248,698,800 | 2,346 |
| Average equity | $28,154,000 | 2,486 |
| Average total loans | $203,840,400 | 2,143 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7642% | 2,235 |
| Cost of funding earning assets | 1.2894% | 812 |
| Net interest margin | 3.4748% | 3,648 |
| Noninterest income to average assets | 0.0750% | 5,059 |
| Noninterest expense to average assets | 2.3510% | 3,821 |
| Loan and lease loss provision to assets | 0.2562% | 630 |
| Net operating income to assets | 0.9774% | 3,061 |
| Return on assets (ROA) | 0.9774% | 3,136 |
| Pretax return on assets | 0.9046% | 3,866 |
| Return on Equity (ROE) | 8.4236% | 3,147 |
| Retained earnings to average equity (ytd only) | 8.4236% | 1,237 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9462% | 2,600 |
| Assets per employee ($millions) | 8.5079% | 569 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2033% | 2,484 |
| Loan loss allowance to noncurrent loans | 76.8155% | 3,710 |
| Noncurrent assets plus other real estate owned to assets | 1.2740% | 960 |
| Noncurrent loans to loans | 1.5665% | 946 |
| Net loans and leases to total assets | 80.3478% | 805 |
| Net loans and leases to deposits | 90.5302% | 1,628 |
| Net loans and leases to core deposits | 112.6052% | 810 |
| Total domestic deposits to total assets | 88.7524% | 707 |
| Equity capital to assets | 10.9113% | 3,182 |
| Core capital (leverage) ratio | 11.5700% | 2,167 |
| Tier 1 risk-based capital ratio | 12.6775% | 4,040 |
| Total risk-based capital ratio | 13.8145% | 3,978 |
| Memoranda: | ||
| Average total assets | $239,946,750 | 2,541 |
| Average earning assets | $237,321,000 | 2,437 |
| Average equity | $27,841,500 | 2,520 |
| Average total loans | $195,673,750 | 2,217 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7826% | 2,113 |
| Cost of funding earning assets | 1.2704% | 819 |
| Net interest margin | 3.5122% | 3,563 |
| Noninterest income to average assets | 0.0638% | 5,127 |
| Noninterest expense to average assets | 2.3869% | 3,766 |
| Loan and lease loss provision to assets | 0.2845% | 507 |
| Net operating income to assets | 0.9801% | 2,992 |
| Return on assets (ROA) | 0.9801% | 3,060 |
| Pretax return on assets | 0.8672% | 3,936 |
| Return on Equity (ROE) | 8.2603% | 3,174 |
| Retained earnings to average equity (ytd only) | 8.2603% | 1,292 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4543% | 2,617 |
| Assets per employee ($millions) | 8.8145% | 505 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2008% | 2,521 |
| Loan loss allowance to noncurrent loans | 157.6577% | 2,555 |
| Noncurrent assets plus other real estate owned to assets | 0.6079% | 2,207 |
| Noncurrent loans to loans | 0.7617% | 2,078 |
| Net loans and leases to total assets | 78.8589% | 1,064 |
| Net loans and leases to deposits | 88.8847% | 1,879 |
| Net loans and leases to core deposits | 111.1106% | 912 |
| Total domestic deposits to total assets | 88.7204% | 776 |
| Equity capital to assets | 10.9901% | 3,066 |
| Core capital (leverage) ratio | 11.7737% | 1,967 |
| Tier 1 risk-based capital ratio | 12.9669% | 3,856 |
| Total risk-based capital ratio | 14.0977% | 3,825 |
| Memoranda: | ||
| Average total assets | $232,013,670 | 2,601 |
| Average earning assets | $229,541,670 | 2,505 |
| Average equity | $27,529,330 | 2,532 |
| Average total loans | $189,400,000 | 2,265 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8822% | 1,647 |
| Cost of funding earning assets | 1.2522% | 764 |
| Net interest margin | 3.6300% | 3,134 |
| Noninterest income to average assets | 0.0563% | 5,194 |
| Noninterest expense to average assets | 2.4704% | 3,585 |
| Loan and lease loss provision to assets | 0.2525% | 574 |
| Net operating income to assets | 1.1698% | 2,177 |
| Return on assets (ROA) | 1.1698% | 2,232 |
| Pretax return on assets | 0.9246% | 3,677 |
| Return on Equity (ROE) | 9.4541% | 2,609 |
| Retained earnings to average equity (ytd only) | 9.4541% | 1,180 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7291% | 2,678 |
| Assets per employee ($millions) | 8.7242% | 523 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2052% | 2,545 |
| 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 | 78.6117% | 1,055 |
| Net loans and leases to deposits | 89.3205% | 1,712 |
| Net loans and leases to core deposits | 113.1187% | 781 |
| Total domestic deposits to total assets | 88.0108% | 1,335 |
| Equity capital to assets | 11.7120% | 2,222 |
| Core capital (leverage) ratio | 12.5217% | 1,501 |
| Tier 1 risk-based capital ratio | 13.8573% | 3,417 |
| Total risk-based capital ratio | 14.9919% | 3,384 |
| Memoranda: | ||
| Average total assets | $220,210,500 | 2,721 |
| Average earning assets | $217,853,000 | 2,601 |
| Average equity | $27,247,500 | 2,557 |
| Average total loans | $182,085,500 | 2,347 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5437% | 2,320 |
| Cost of funding earning assets | 1.0471% | 616 |
| Net interest margin | 3.4966% | 3,716 |
| Noninterest income to average assets | 0.0486% | 5,274 |
| Noninterest expense to average assets | 2.4672% | 3,706 |
| Loan and lease loss provision to assets | 0.3557% | 423 |
| Net operating income to assets | 0.7837% | 3,866 |
| Return on assets (ROA) | 0.7837% | 3,868 |
| Pretax return on assets | 0.6783% | 4,467 |
| Return on Equity (ROE) | 5.4718% | 4,336 |
| Retained earnings to average equity (ytd only) | 5.4718% | 2,498 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4685% | 2,110 |
| Assets per employee ($millions) | 7.5877% | 766 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1995% | 2,575 |
| 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 | 85.2353% | 296 |
| Net loans and leases to deposits | 98.4684% | 854 |
| Net loans and leases to core deposits | 120.2652% | 536 |
| Total domestic deposits to total assets | 86.5610% | 1,983 |
| Equity capital to assets | 13.1339% | 1,286 |
| Core capital (leverage) ratio | 12.7596% | 1,337 |
| Tier 1 risk-based capital ratio | 14.3802% | 3,120 |
| Total risk-based capital ratio | 15.5132% | 3,100 |
| Memoranda: | ||
| Average total assets | $181,053,000 | 3,045 |
| Average earning assets | $178,774,000 | 2,934 |
| Average equity | $25,932,800 | 2,572 |
| Average total loans | $146,248,000 | 2,688 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3524% | 2,784 |
| Cost of funding earning assets | 0.9978% | 602 |
| Net interest margin | 3.3546% | 4,148 |
| Noninterest income to average assets | 0.0495% | 5,341 |
| Noninterest expense to average assets | 2.4496% | 3,736 |
| Loan and lease loss provision to assets | 0.3411% | 401 |
| Net operating income to assets | 0.5665% | 4,595 |
| Return on assets (ROA) | 0.5665% | 4,599 |
| Pretax return on assets | 0.5688% | 4,784 |
| Return on Equity (ROE) | 3.8615% | 4,851 |
| Retained earnings to average equity (ytd only) | 3.8615% | 3,849 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9148% | 1,747 |
| Assets per employee ($millions) | 8.4759% | 534 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1915% | 2,669 |
| 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 | 75.2957% | 1,763 |
| Net loans and leases to deposits | 86.1724% | 2,347 |
| Net loans and leases to core deposits | 103.5985% | 1,483 |
| Total domestic deposits to total assets | 87.3779% | 1,557 |
| Equity capital to assets | 12.3592% | 1,670 |
| Core capital (leverage) ratio | 13.5599% | 1,080 |
| Tier 1 risk-based capital ratio | 15.5006% | 2,656 |
| Total risk-based capital ratio | 16.6393% | 2,626 |
| Memoranda: | ||
| Average total assets | $175,099,500 | 3,132 |
| Average earning assets | $172,774,750 | 3,018 |
| Average equity | $25,689,250 | 2,601 |
| Average total loans | $138,625,250 | 2,806 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3358% | 2,640 |
| Cost of funding earning assets | 0.9679% | 543 |
| Net interest margin | 3.3678% | 4,051 |
| Noninterest income to average assets | 0.0467% | 5,409 |
| Noninterest expense to average assets | 2.5597% | 3,448 |
| Loan and lease loss provision to assets | 0.3672% | 347 |
| Net operating income to assets | 0.4360% | 4,884 |
| Return on assets (ROA) | 0.4360% | 4,892 |
| Pretax return on assets | 0.4360% | 5,007 |
| Return on Equity (ROE) | 2.7818% | 5,055 |
| Retained earnings to average equity (ytd only) | 2.7818% | 4,140 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1140% | 1,410 |
| Assets per employee ($millions) | 8.5193% | 519 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1953% | 2,749 |
| 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 | 82.0139% | 713 |
| Net loans and leases to deposits | 96.0865% | 1,126 |
| Net loans and leases to core deposits | 118.9460% | 592 |
| Total domestic deposits to total assets | 85.3542% | 2,543 |
| Equity capital to assets | 14.3965% | 836 |
| Core capital (leverage) ratio | 14.8431% | 704 |
| Tier 1 risk-based capital ratio | 16.3240% | 2,324 |
| Total risk-based capital ratio | 17.4490% | 2,312 |
| Memoranda: | ||
| Average total assets | $162,833,330 | 3,284 |
| Average earning assets | $160,341,000 | 3,187 |
| Average equity | $25,522,670 | 2,628 |
| Average total loans | $131,009,000 | 2,898 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1205% | 3,163 |
| Cost of funding earning assets | 0.9136% | 555 |
| Net interest margin | 3.2069% | 4,439 |
| Noninterest income to average assets | 0.0439% | 5,485 |
| Noninterest expense to average assets | 2.6331% | 3,237 |
| Loan and lease loss provision to assets | 0.2351% | 657 |
| Net operating income to assets | 0.3230% | 5,063 |
| Return on assets (ROA) | 0.3230% | 5,068 |
| Pretax return on assets | 0.3230% | 5,142 |
| Return on Equity (ROE) | 1.9680% | 5,183 |
| Retained earnings to average equity (ytd only) | 1.9680% | 4,356 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5101% | 904 |
| Assets per employee ($millions) | 8.0877% | 609 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2180% | 2,703 |
| 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 | 78.5699% | 1,147 |
| Net loans and leases to deposits | 93.4994% | 1,280 |
| Net loans and leases to core deposits | 108.7587% | 1,075 |
| Total domestic deposits to total assets | 84.0325% | 3,317 |
| Equity capital to assets | 15.7566% | 526 |
| Core capital (leverage) ratio | 17.0201% | 380 |
| Tier 1 risk-based capital ratio | 17.9632% | 1,848 |
| Total risk-based capital ratio | 19.0676% | 1,833 |
| Memoranda: | ||
| Average total assets | $154,797,500 | 3,420 |
| Average earning assets | $151,921,500 | 3,303 |
| Average equity | $25,406,000 | 2,660 |
| Average total loans | $122,262,500 | 3,034 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7377% | 4,249 |
| Cost of funding earning assets | 0.7677% | 747 |
| Net interest margin | 2.9700% | 4,948 |
| Noninterest income to average assets | 0.0474% | 5,537 |
| Noninterest expense to average assets | 2.9716% | 2,240 |
| Loan and lease loss provision to assets | 0.5186% | 254 |
| Net operating income to assets | -0.5444% | 5,544 |
| Return on assets (ROA) | -0.5444% | 5,543 |
| Pretax return on assets | -0.5444% | 5,556 |
| Return on Equity (ROE) | -2.5562% | 5,474 |
| Retained earnings to average equity (ytd only) | -2.5562% | 5,320 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.8760% | 161 |
| Assets per employee ($millions) | 7.7811% | 686 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2739% | 2,353 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 77.3750% | 1,370 |
| Net loans and leases to deposits | 93.6549% | 1,311 |
| Net loans and leases to core deposits | 109.8571% | 1,017 |
| Total domestic deposits to total assets | 82.6171% | 3,689 |
| Equity capital to assets | 17.1299% | 387 |
| Core capital (leverage) ratio | 16.9920% | 370 |
| Tier 1 risk-based capital ratio | 19.1677% | 1,477 |
| Total risk-based capital ratio | 20.2849% | 1,462 |
| Memoranda: | ||
| Average total assets | $120,136,400 | 3,893 |
| Average earning assets | $117,238,400 | 3,800 |
| Average equity | $25,585,000 | 2,635 |
| Average total loans | $87,433,200 | 3,578 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6055% | 4,543 |
| Cost of funding earning assets | 0.6822% | 1,063 |
| Net interest margin | 2.9234% | 5,060 |
| Noninterest income to average assets | 0.0483% | 5,612 |
| Noninterest expense to average assets | 3.0574% | 1,932 |
| Loan and lease loss provision to assets | 0.4570% | 280 |
| Net operating income to assets | -0.6195% | 5,641 |
| Return on assets (ROA) | -0.6195% | 5,641 |
| Pretax return on assets | -0.6195% | 5,634 |
| Return on Equity (ROE) | -2.7342% | 5,600 |
| Retained earnings to average equity (ytd only) | -2.7342% | 5,468 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.6143% | 121 |
| Assets per employee ($millions) | 7.6721% | 709 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2839% | 2,439 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 65.4577% | 3,182 |
| Net loans and leases to deposits | 79.5261% | 3,014 |
| Net loans and leases to core deposits | 92.7621% | 2,374 |
| Total domestic deposits to total assets | 82.3097% | 3,684 |
| Equity capital to assets | 17.4440% | 382 |
| Core capital (leverage) ratio | 19.8821% | 211 |
| Tier 1 risk-based capital ratio | 21.8090% | 1,064 |
| Total risk-based capital ratio | 22.8734% | 1,080 |
| Memoranda: | ||
| Average total assets | $113,210,250 | 4,050 |
| Average earning assets | $110,235,750 | 3,950 |
| Average equity | $25,650,000 | 2,654 |
| Average total loans | $80,324,500 | 3,772 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5895% | 4,540 |
| Cost of funding earning assets | 0.6140% | 1,363 |
| Net interest margin | 2.9755% | 4,964 |
| Noninterest income to average assets | 0.0586% | 5,630 |
| Noninterest expense to average assets | 3.3647% | 1,244 |
| Loan and lease loss provision to assets | 0.4240% | 301 |
| Net operating income to assets | -0.8421% | 5,707 |
| Return on assets (ROA) | -0.8421% | 5,705 |
| Pretax return on assets | -0.8421% | 5,698 |
| Return on Equity (ROE) | -3.3510% | 5,660 |
| Retained earnings to average equity (ytd only) | -3.3510% | 5,456 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 114.1910% | 87 |
| Assets per employee ($millions) | 5.7111% | 1,692 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2805% | 2,508 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 72.2190% | 2,167 |
| Net loans and leases to deposits | 93.2596% | 1,337 |
| Net loans and leases to core deposits | 99.5210% | 1,684 |
| Total domestic deposits to total assets | 77.4387% | 4,896 |
| Equity capital to assets | 22.3451% | 138 |
| Core capital (leverage) ratio | 23.7000% | 118 |
| Tier 1 risk-based capital ratio | 26.7475% | 620 |
| Total risk-based capital ratio | 27.8688% | 617 |
| Memoranda: | ||
| Average total assets | $102,357,330 | 4,263 |
| Average earning assets | $99,345,670 | 4,172 |
| Average equity | $25,724,000 | 2,651 |
| Average total loans | $74,880,000 | 3,901 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4386% | 4,861 |
| Cost of funding earning assets | 0.5702% | 1,580 |
| Net interest margin | 2.8683% | 5,142 |
| Noninterest income to average assets | 0.0498% | 5,729 |
| Noninterest expense to average assets | 3.5717% | 936 |
| Loan and lease loss provision to assets | 0.4397% | 245 |
| Net operating income to assets | -1.1864% | 5,789 |
| Return on assets (ROA) | -1.1864% | 5,790 |
| Pretax return on assets | -1.1864% | 5,783 |
| Return on Equity (ROE) | -4.4299% | 5,731 |
| Retained earnings to average equity (ytd only) | -4.4299% | 5,353 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 126.4317% | 65 |
| Assets per employee ($millions) | 5.3843% | 1,997 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2833% | 2,620 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 72.1088% | 2,058 |
| Net loans and leases to deposits | 96.5183% | 893 |
| Net loans and leases to core deposits | 103.5602% | 1,249 |
| Total domestic deposits to total assets | 74.7099% | 5,362 |
| Equity capital to assets | 25.0907% | 103 |
| Core capital (leverage) ratio | 26.8578% | 82 |
| Tier 1 risk-based capital ratio | 29.9779% | 478 |
| Total risk-based capital ratio | 31.0980% | 484 |
| Memoranda: | ||
| Average total assets | $96,425,000 | 4,417 |
| Average earning assets | $93,294,500 | 4,327 |
| Average equity | $25,824,500 | 2,657 |
| Average total loans | $70,540,000 | 4,037 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7456% | 5,670 |
| Cost of funding earning assets | 0.3073% | 3,982 |
| Net interest margin | 2.4383% | 5,616 |
| Noninterest income to average assets | 0.0415% | 5,792 |
| Noninterest expense to average assets | 4.6790% | 323 |
| Loan and lease loss provision to assets | 1.2512% | 80 |
| Net operating income to assets | -3.5026% | 5,897 |
| Return on assets (ROA) | -3.5026% | 5,897 |
| Pretax return on assets | -3.5026% | 5,895 |
| Return on Equity (ROE) | -7.8200% | 5,819 |
| Retained earnings to average equity (ytd only) | -7.8200% | 5,748 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 192.7447% | 16 |
| Assets per employee ($millions) | 5.3264% | 2,033 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2855% | 2,621 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 72.3365% | 2,120 |
| Net loans and leases to deposits | 101.7302% | 549 |
| Net loans and leases to core deposits | 107.0017% | 1,066 |
| Total domestic deposits to total assets | 71.1063% | 5,610 |
| Equity capital to assets | 28.6928% | 67 |
| Core capital (leverage) ratio | 31.9794% | 60 |
| Tier 1 risk-based capital ratio | 34.4375% | 337 |
| Total risk-based capital ratio | 35.5681% | 334 |
| Memoranda: | ||
| Average total assets | $60,183,400 | 5,135 |
| Average earning assets | $58,893,400 | 5,050 |
| Average equity | $26,956,600 | 2,573 |
| Average total loans | $36,855,400 | 4,989 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5473% | 5,808 |
| Cost of funding earning assets | 0.2428% | 4,670 |
| Net interest margin | 2.3045% | 5,771 |
| Noninterest income to average assets | 0.0304% | 5,881 |
| Noninterest expense to average assets | 5.2073% | 234 |
| Loan and lease loss provision to assets | 1.4983% | 60 |
| Net operating income to assets | -4.4138% | 5,974 |
| Return on assets (ROA) | -4.4138% | 5,974 |
| Pretax return on assets | -4.4138% | 5,972 |
| Return on Equity (ROE) | -8.5340% | 5,897 |
| Retained earnings to average equity (ytd only) | -8.5340% | 5,827 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 227.2124% | 8 |
| Assets per employee ($millions) | 4.1775% | 3,638 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2862% | 2,761 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 74.6779% | 1,761 |
| Net loans and leases to deposits | 119.1829% | 120 |
| Net loans and leases to core deposits | 126.7119% | 357 |
| Total domestic deposits to total assets | 62.6582% | 5,862 |
| Equity capital to assets | 37.1010% | 50 |
| Core capital (leverage) ratio | 41.3899% | 43 |
| Tier 1 risk-based capital ratio | 44.2088% | 183 |
| Total risk-based capital ratio | 45.3682% | 183 |
| Memoranda: | ||
| Average total assets | $52,592,000 | 5,348 |
| Average earning assets | $51,608,250 | 5,267 |
| Average equity | $27,200,500 | 2,576 |
| Average total loans | $29,481,000 | 5,256 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2716% | 5,961 |
| Cost of funding earning assets | 0.1835% | 5,290 |
| Net interest margin | 2.0881% | 5,935 |
| Noninterest income to average assets | 0.0129% | 5,981 |
| Noninterest expense to average assets | 5.7653% | 186 |
| Loan and lease loss provision to assets | 1.4424% | 65 |
| Net operating income to assets | -5.1367% | 6,052 |
| Return on assets (ROA) | -5.1367% | 6,052 |
| Pretax return on assets | -5.1367% | 6,049 |
| Return on Equity (ROE) | -8.6812% | 5,968 |
| Retained earnings to average equity (ytd only) | -8.6812% | 5,852 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 278.3784% | 9 |
| Assets per employee ($millions) | 3.4174% | 4,891 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2858% | 2,866 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 57.4842% | 4,173 |
| Net loans and leases to deposits | 107.5002% | 315 |
| Net loans and leases to core deposits | 114.7156% | 696 |
| Total domestic deposits to total assets | 53.4736% | 6,002 |
| Equity capital to assets | 46.2958% | 41 |
| Core capital (leverage) ratio | 54.1319% | 36 |
| Tier 1 risk-based capital ratio | 75.5315% | 58 |
| Total risk-based capital ratio | 76.7531% | 58 |
| Memoranda: | ||
| Average total assets | $46,450,330 | 5,534 |
| Average earning assets | $45,783,330 | 5,451 |
| Average equity | $27,484,670 | 2,567 |
| Average total loans | $21,399,670 | 5,581 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9387% | 6,060 |
| Cost of funding earning assets | 0.0999% | 5,917 |
| Net interest margin | 1.8388% | 6,037 |
| Noninterest income to average assets | 0.0098% | 6,050 |
| Noninterest expense to average assets | 5.9762% | 178 |
| Loan and lease loss provision to assets | 1.9494% | 42 |
| Net operating income to assets | -6.1042% | 6,113 |
| Return on assets (ROA) | -6.1042% | 6,113 |
| Pretax return on assets | -6.1042% | 6,112 |
| Return on Equity (ROE) | -8.9276% | 6,018 |
| Retained earnings to average equity (ytd only) | -8.9276% | 5,776 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 328.1081% | 8 |
| Assets per employee ($millions) | 2.8009% | 5,679 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3136% | 2,834 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 49.9554% | 4,809 |
| Net loans and leases to deposits | 129.8399% | 38 |
| Net loans and leases to core deposits | 131.7580% | 244 |
| Total domestic deposits to total assets | 38.4746% | 6,082 |
| Equity capital to assets | 61.2956% | 33 |
| Core capital (leverage) ratio | 71.0932% | 28 |
| Tier 1 risk-based capital ratio | 114.2590% | 39 |
| Total risk-based capital ratio | 115.4985% | 39 |
| Memoranda: | ||
| Average total assets | $40,627,500 | 5,706 |
| Average earning assets | $40,027,000 | 5,635 |
| Average equity | $27,779,000 | 2,544 |
| Average total loans | $15,184,000 | 5,843 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.3552% | 6,167 |
| Cost of funding earning assets | 0.0260% | 6,134 |
| Net interest margin | 0.3292% | 6,167 |
| Noninterest income to average assets | 0.0028% | 6,099 |
| Noninterest expense to average assets | 6.6589% | 152 |
| Loan and lease loss provision to assets | 0.2847% | 630 |
| Net operating income to assets | -6.6162% | 6,181 |
| Return on assets (ROA) | -6.6133% | 6,181 |
| Pretax return on assets | -6.6133% | 6,181 |
| Return on Equity (ROE) | -8.3551% | 6,088 |
| Retained earnings to average equity (ytd only) | -8.3551% | 6,006 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 2,033.9130% | 1 |
| Assets per employee ($millions) | 2.2776% | 5,978 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3016% | 2,892 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 20.8090% | 6,041 |
| Net loans and leases to deposits | 91.5158% | 1,451 |
| Net loans and leases to core deposits | 94.3629% | 2,019 |
| Total domestic deposits to total assets | 22.7381% | 6,154 |
| Equity capital to assets | 77.0808% | 30 |
| Core capital (leverage) ratio | 80.2543% | 24 |
| Tier 1 risk-based capital ratio | 315.2525% | 17 |
| Total risk-based capital ratio | 316.3749% | 17 |
| Memoranda: | ||
| Average total assets | $35,126,000 | 5,868 |
| Average earning assets | $34,624,500 | 5,799 |
| Average equity | $27,803,500 | 2,477 |
| Average total loans | $5,255,000 | 6,113 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.1240% | 6,267 |
| Cost of funding earning assets | 0.0080% | 6,240 |
| Net interest margin | 0.1160% | 6,266 |
| Noninterest income to average assets | 0.0000% | 6,192 |
| Noninterest expense to average assets | 6.7629% | 156 |
| Loan and lease loss provision to assets | 0.1420% | 1,559 |
| Net operating income to assets | -6.7905% | 6,266 |
| Return on assets (ROA) | -6.7905% | 6,266 |
| Pretax return on assets | -6.7905% | 6,266 |
| Return on Equity (ROE) | -8.3434% | 6,166 |
| Retained earnings to average equity (ytd only) | -8.3434% | 6,098 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 5,913.7931% | 1 |
| Assets per employee ($millions) | 2.1132% | 6,107 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2734% | 3,242 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 8.2547% | 6,222 |
| Net loans and leases to deposits | 44.8281% | 5,692 |
| Net loans and leases to core deposits | 44.8281% | 5,766 |
| Total domestic deposits to total assets | 18.4141% | 6,242 |
| Equity capital to assets | 81.3877% | 25 |
| Core capital (leverage) ratio | 126.4207% | 1 |
| Tier 1 risk-based capital ratio | 789.1597% | 3 |
| Total risk-based capital ratio | 790.1921% | 3 |
| Memoranda: | ||
| Average total assets | $33,811,000 | 5,971 |
| Average earning assets | $33,337,000 | 5,907 |
| Average equity | $27,518,000 | 2,515 |
| Average total loans | $2,827,000 | 6,224 |