Home > CommerceOne Bank > Performance and Condition Ratios
CommerceOne Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3546% | 758 |
| Cost of funding earning assets | 2.7191% | 578 |
| Net interest margin | 3.6355% | 2,004 |
| Noninterest income to average assets | 0.0800% | 4,206 |
| Noninterest expense to average assets | 1.5540% | 4,182 |
| Loan and lease loss provision to assets | 0.0900% | 1,412 |
| Net operating income to assets | 1.4985% | 1,098 |
| Return on assets (ROA) | 1.4985% | 1,097 |
| Pretax return on assets | 2.0043% | 691 |
| Return on Equity (ROE) | 15.4500% | 984 |
| Retained earnings to average equity (ytd only) | 14.1270% | 516 |
| Net charge-offs to loans | -0.0497% | 4,290 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 42.5715% | 4,219 |
| Assets per employee ($millions) | 16.9519% | 149 |
| Cash dividends to net income (ytd only)* | 8.5763% | 2,202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2000% | 2,181 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,773 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 79.5400% | 651 |
| Net loans and leases to deposits | 88.3987% | 1,264 |
| Net loans and leases to core deposits | 93.5152% | 1,806 |
| Total domestic deposits to total assets | 89.9800% | 822 |
| Equity capital to assets | 9.8716% | 2,303 |
| Core capital (leverage) ratio | 10.2076% | 2,643 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4194% | 2,068 |
| Memoranda: | ||
| Average total assets | $778,118,500 | 1,269 |
| Average earning assets | $764,232,500 | 1,209 |
| Average equity | $75,458,500 | 1,288 |
| Average total loans | $619,129,000 | 1,128 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8043% | 495 |
| Cost of funding earning assets | 3.2228% | 320 |
| Net interest margin | 3.5816% | 1,905 |
| Noninterest income to average assets | 0.0900% | 4,243 |
| Noninterest expense to average assets | 1.4554% | 4,287 |
| Loan and lease loss provision to assets | 0.1900% | 718 |
| Net operating income to assets | 1.4594% | 969 |
| Return on assets (ROA) | 1.4594% | 966 |
| Pretax return on assets | 1.9529% | 650 |
| Return on Equity (ROE) | 14.2300% | 1,072 |
| Retained earnings to average equity (ytd only) | 13.1416% | 212 |
| Net charge-offs to loans | 0.0534% | 1,600 |
| Credit loss provision to net charge-offs | 494.2568% | 643 |
| Earnings coverage of net charge-offs (x) | 48.8277% | 1,224 |
| Efficiency ratio | 40.4221% | 4,318 |
| Assets per employee ($millions) | 19.4113% | 112 |
| Cash dividends to net income (ytd only)* | 7.6274% | 3,253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1999% | 2,162 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 77.6800% | 942 |
| Net loans and leases to deposits | 86.0300% | 1,594 |
| Net loans and leases to core deposits | 90.7702% | 2,061 |
| Total domestic deposits to total assets | 90.2900% | 731 |
| Equity capital to assets | 9.5228% | 2,435 |
| Core capital (leverage) ratio | 10.5787% | 2,299 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2109% | 2,142 |
| Memoranda: | ||
| Average total assets | $673,768,800 | 1,385 |
| Average earning assets | $660,491,600 | 1,327 |
| Average equity | $69,116,200 | 1,332 |
| Average total loans | $553,828,600 | 1,206 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9218% | 427 |
| Cost of funding earning assets | 3.3383% | 276 |
| Net interest margin | 3.5836% | 1,867 |
| Noninterest income to average assets | 0.0900% | 4,255 |
| Noninterest expense to average assets | 1.4201% | 4,315 |
| Loan and lease loss provision to assets | 0.2100% | 556 |
| Net operating income to assets | 1.4697% | 976 |
| Return on assets (ROA) | 1.4697% | 974 |
| Pretax return on assets | 1.9694% | 676 |
| Return on Equity (ROE) | 14.0300% | 1,140 |
| Retained earnings to average equity (ytd only) | 12.5535% | 439 |
| Net charge-offs to loans | 0.0867% | 1,074 |
| Credit loss provision to net charge-offs | 320.7977% | 820 |
| Earnings coverage of net charge-offs (x) | 30.1795% | 1,515 |
| Efficiency ratio | 39.4547% | 4,348 |
| Assets per employee ($millions) | 18.4006% | 129 |
| Cash dividends to net income (ytd only)* | 10.4983% | 2,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2031% | 2,198 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,861 |
| Noncurrent loans to loans | 0.0000% | 3,830 |
| Net loans and leases to total assets | 83.6200% | 284 |
| Net loans and leases to deposits | 93.8692% | 865 |
| Net loans and leases to core deposits | 100.1707% | 1,469 |
| Total domestic deposits to total assets | 89.0900% | 881 |
| Equity capital to assets | 10.5656% | 1,948 |
| Core capital (leverage) ratio | 10.8400% | 2,148 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3522% | 2,135 |
| Memoranda: | ||
| Average total assets | $648,098,250 | 1,423 |
| Average earning assets | $634,920,750 | 1,357 |
| Average equity | $67,910,250 | 1,340 |
| Average total loans | $539,674,500 | 1,222 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7832% | 468 |
| Cost of funding earning assets | 3.2581% | 291 |
| Net interest margin | 3.5251% | 1,913 |
| Noninterest income to average assets | 0.0800% | 4,310 |
| Noninterest expense to average assets | 1.4103% | 4,334 |
| Loan and lease loss provision to assets | 0.3400% | 279 |
| Net operating income to assets | 1.3302% | 1,209 |
| Return on assets (ROA) | 1.3302% | 1,219 |
| Pretax return on assets | 1.7853% | 864 |
| Return on Equity (ROE) | 12.7300% | 1,441 |
| Retained earnings to average equity (ytd only) | 11.2304% | 659 |
| Net charge-offs to loans | 0.2138% | 519 |
| Credit loss provision to net charge-offs | 199.6454% | 1,020 |
| Earnings coverage of net charge-offs (x) | 12.0089% | 1,909 |
| Efficiency ratio | 39.8811% | 4,359 |
| Assets per employee ($millions) | 17.9433% | 132 |
| Cash dividends to net income (ytd only)* | 11.7980% | 2,707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2000% | 2,243 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,854 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 83.3400% | 346 |
| Net loans and leases to deposits | 98.0997% | 650 |
| Net loans and leases to core deposits | 109.3051% | 999 |
| Total domestic deposits to total assets | 84.9500% | 2,329 |
| Equity capital to assets | 10.2970% | 1,907 |
| Core capital (leverage) ratio | 11.3849% | 1,779 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8590% | 2,305 |
| Memoranda: | ||
| Average total assets | $637,190,000 | 1,446 |
| Average earning assets | $623,927,333 | 1,376 |
| Average equity | $66,569,333 | 1,356 |
| Average total loans | $527,475,667 | 1,244 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9000% | 375 |
| Cost of funding earning assets | 3.3149% | 231 |
| Net interest margin | 3.5851% | 1,761 |
| Noninterest income to average assets | 0.0800% | 4,292 |
| Noninterest expense to average assets | 1.4722% | 4,309 |
| Loan and lease loss provision to assets | -0.0100% | 4,190 |
| Net operating income to assets | 1.5940% | 784 |
| Return on assets (ROA) | 1.5940% | 792 |
| Pretax return on assets | 2.1377% | 530 |
| Return on Equity (ROE) | 15.1400% | 973 |
| Retained earnings to average equity (ytd only) | 13.6190% | 540 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 40.9196% | 4,323 |
| Assets per employee ($millions) | 17.6702% | 137 |
| Cash dividends to net income (ytd only)* | 10.0563% | 2,158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2148% | 2,208 |
| Loan loss allowance to noncurrent loans | 198.9707% | 2,402 |
| Noncurrent assets plus other real estate owned to assets | 0.5027% | 1,260 |
| Noncurrent loans to loans | 0.6105% | 1,428 |
| Net loans and leases to total assets | 81.3400% | 484 |
| Net loans and leases to deposits | 91.4704% | 1,094 |
| Net loans and leases to core deposits | 101.1380% | 1,350 |
| Total domestic deposits to total assets | 88.9200% | 1,124 |
| Equity capital to assets | 10.7636% | 1,603 |
| Core capital (leverage) ratio | 11.0256% | 1,951 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5524% | 2,052 |
| Memoranda: | ||
| Average total assets | $623,833,500 | 1,472 |
| Average earning assets | $611,417,000 | 1,401 |
| Average equity | $65,673,000 | 1,360 |
| Average total loans | $511,210,500 | 1,261 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5063% | 348 |
| Cost of funding earning assets | 2.8833% | 179 |
| Net interest margin | 3.6230% | 1,927 |
| Noninterest income to average assets | 0.0800% | 4,348 |
| Noninterest expense to average assets | 1.4089% | 4,384 |
| Loan and lease loss provision to assets | 0.5100% | 177 |
| Net operating income to assets | 1.2648% | 1,508 |
| Return on assets (ROA) | 1.2648% | 1,480 |
| Pretax return on assets | 1.6989% | 1,067 |
| Return on Equity (ROE) | 12.3300% | 1,883 |
| Retained earnings to average equity (ytd only) | 11.1027% | 770 |
| Net charge-offs to loans | 0.5749% | 170 |
| Credit loss provision to net charge-offs | 113.0000% | 1,737 |
| Earnings coverage of net charge-offs (x) | 4.5638% | 2,578 |
| Efficiency ratio | 38.8909% | 4,384 |
| Assets per employee ($millions) | 17.9774% | 134 |
| Cash dividends to net income (ytd only)* | 9.9180% | 3,223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1999% | 2,297 |
| Loan loss allowance to noncurrent loans | 198.0701% | 2,526 |
| Noncurrent assets plus other real estate owned to assets | 0.4941% | 1,138 |
| Noncurrent loans to loans | 0.6058% | 1,302 |
| Net loans and leases to total assets | 80.5800% | 574 |
| Net loans and leases to deposits | 90.0745% | 1,255 |
| Net loans and leases to core deposits | 97.8209% | 1,552 |
| Total domestic deposits to total assets | 89.4600% | 918 |
| Equity capital to assets | 10.2951% | 1,845 |
| Core capital (leverage) ratio | 11.1252% | 1,880 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9962% | 2,247 |
| Memoranda: | ||
| Average total assets | $597,863,000 | 1,486 |
| Average earning assets | $584,982,800 | 1,406 |
| Average equity | $61,354,200 | 1,372 |
| Average total loans | $504,444,200 | 1,226 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4318% | 326 |
| Cost of funding earning assets | 2.7620% | 172 |
| Net interest margin | 3.6698% | 1,841 |
| Noninterest income to average assets | 0.0800% | 4,369 |
| Noninterest expense to average assets | 1.4193% | 4,382 |
| Loan and lease loss provision to assets | 0.1800% | 621 |
| Net operating income to assets | 1.5303% | 1,064 |
| Return on assets (ROA) | 1.5303% | 1,047 |
| Pretax return on assets | 2.0604% | 699 |
| Return on Equity (ROE) | 14.9200% | 1,455 |
| Retained earnings to average equity (ytd only) | 13.2717% | 779 |
| Net charge-offs to loans | 0.1593% | 530 |
| Credit loss provision to net charge-offs | 174.1667% | 1,214 |
| Earnings coverage of net charge-offs (x) | 16.5600% | 1,927 |
| Efficiency ratio | 38.7310% | 4,390 |
| Assets per employee ($millions) | 17.3007% | 136 |
| Cash dividends to net income (ytd only)* | 11.0750% | 2,756 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1999% | 2,362 |
| Loan loss allowance to noncurrent loans | 102.4013% | 3,189 |
| Noncurrent assets plus other real estate owned to assets | 1.0041% | 518 |
| Noncurrent loans to loans | 1.1718% | 669 |
| Net loans and leases to total assets | 84.6600% | 235 |
| Net loans and leases to deposits | 96.5937% | 710 |
| Net loans and leases to core deposits | 105.6765% | 1,033 |
| Total domestic deposits to total assets | 87.6500% | 1,685 |
| Equity capital to assets | 10.3874% | 1,601 |
| Core capital (leverage) ratio | 11.4102% | 1,723 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8584% | 2,317 |
| Memoranda: | ||
| Average total assets | $590,026,250 | 1,505 |
| Average earning assets | $576,953,000 | 1,427 |
| Average equity | $60,498,250 | 1,374 |
| Average total loans | $502,255,000 | 1,228 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3512% | 300 |
| Cost of funding earning assets | 2.6094% | 156 |
| Net interest margin | 3.7418% | 1,733 |
| Noninterest income to average assets | 0.0800% | 4,398 |
| Noninterest expense to average assets | 1.4461% | 4,374 |
| Loan and lease loss provision to assets | 0.0700% | 1,542 |
| Net operating income to assets | 1.6479% | 878 |
| Return on assets (ROA) | 1.6479% | 880 |
| Pretax return on assets | 2.2222% | 518 |
| Return on Equity (ROE) | 16.1700% | 1,235 |
| Retained earnings to average equity (ytd only) | 14.4960% | 621 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 38.6613% | 4,426 |
| Assets per employee ($millions) | 16.6913% | 150 |
| Cash dividends to net income (ytd only)* | 10.3778% | 2,699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2219% | 2,335 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 82.1300% | 412 |
| Net loans and leases to deposits | 92.0229% | 1,021 |
| Net loans and leases to core deposits | 102.9694% | 1,093 |
| Total domestic deposits to total assets | 89.2500% | 1,157 |
| Equity capital to assets | 10.2490% | 1,714 |
| Core capital (leverage) ratio | 11.3005% | 1,735 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1000% | 2,258 |
| Memoranda: | ||
| Average total assets | $584,737,000 | 1,515 |
| Average earning assets | $572,395,000 | 1,433 |
| Average equity | $59,575,000 | 1,394 |
| Average total loans | $496,716,667 | 1,222 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1753% | 255 |
| Cost of funding earning assets | 2.3811% | 124 |
| Net interest margin | 3.7942% | 1,699 |
| Noninterest income to average assets | 0.0800% | 4,443 |
| Noninterest expense to average assets | 1.4629% | 4,417 |
| Loan and lease loss provision to assets | 0.2100% | 475 |
| Net operating income to assets | 1.5774% | 1,021 |
| Return on assets (ROA) | 1.5774% | 1,018 |
| Pretax return on assets | 2.1295% | 631 |
| Return on Equity (ROE) | 15.5300% | 1,455 |
| Retained earnings to average equity (ytd only) | 13.8228% | 963 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 38.4714% | 4,479 |
| Assets per employee ($millions) | 17.5566% | 129 |
| Cash dividends to net income (ytd only)* | 10.9938% | 2,156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1999% | 2,553 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 84.2100% | 221 |
| Net loans and leases to deposits | 94.0449% | 784 |
| Net loans and leases to core deposits | 104.5798% | 893 |
| Total domestic deposits to total assets | 89.5500% | 1,321 |
| Equity capital to assets | 9.9369% | 1,854 |
| Core capital (leverage) ratio | 11.0949% | 1,781 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4584% | 2,581 |
| Memoranda: | ||
| Average total assets | $576,663,000 | 1,561 |
| Average earning assets | $565,282,000 | 1,477 |
| Average equity | $58,570,000 | 1,420 |
| Average total loans | $495,265,500 | 1,238 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6631% | 547 |
| Cost of funding earning assets | 0.8728% | 282 |
| Net interest margin | 3.7903% | 1,179 |
| Noninterest income to average assets | 0.0800% | 4,504 |
| Noninterest expense to average assets | 1.5491% | 4,372 |
| Loan and lease loss provision to assets | 0.2500% | 370 |
| Net operating income to assets | 1.4883% | 906 |
| Return on assets (ROA) | 1.4883% | 871 |
| Pretax return on assets | 2.0043% | 476 |
| Return on Equity (ROE) | 13.9400% | 1,550 |
| Retained earnings to average equity (ytd only) | 13.5709% | 444 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 40.7734% | 4,522 |
| Assets per employee ($millions) | 16.3648% | 157 |
| Cash dividends to net income (ytd only)* | 2.6185% | 3,424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2000% | 2,381 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 85.5400% | 182 |
| Net loans and leases to deposits | 96.8313% | 595 |
| Net loans and leases to core deposits | 103.5141% | 838 |
| Total domestic deposits to total assets | 88.3400% | 1,951 |
| Equity capital to assets | 10.3925% | 1,507 |
| Core capital (leverage) ratio | 11.1460% | 1,721 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5348% | 2,558 |
| Memoranda: | ||
| Average total assets | $513,188,400 | 1,689 |
| Average earning assets | $503,230,000 | 1,616 |
| Average equity | $54,808,600 | 1,503 |
| Average total loans | $426,273,200 | 1,321 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2282% | 842 |
| Cost of funding earning assets | 0.5182% | 686 |
| Net interest margin | 3.7100% | 1,112 |
| Noninterest income to average assets | 0.0800% | 4,530 |
| Noninterest expense to average assets | 1.5706% | 4,336 |
| Loan and lease loss provision to assets | 0.2700% | 282 |
| Net operating income to assets | 1.3941% | 1,111 |
| Return on assets (ROA) | 1.3941% | 1,081 |
| Pretax return on assets | 1.8822% | 610 |
| Return on Equity (ROE) | 12.9600% | 1,710 |
| Retained earnings to average equity (ytd only) | 12.9569% | 623 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 42.2171% | 4,517 |
| Assets per employee ($millions) | 15.3476% | 190 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2177% | 2,436 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 85.9300% | 127 |
| Net loans and leases to deposits | 98.5206% | 426 |
| Net loans and leases to core deposits | 103.0671% | 696 |
| Total domestic deposits to total assets | 87.2200% | 2,691 |
| Equity capital to assets | 10.5617% | 1,345 |
| Core capital (leverage) ratio | 11.3548% | 1,517 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7917% | 2,558 |
| Memoranda: | ||
| Average total assets | $502,385,000 | 1,722 |
| Average earning assets | $492,458,250 | 1,660 |
| Average equity | $54,054,750 | 1,533 |
| Average total loans | $412,406,500 | 1,348 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8361% | 1,232 |
| Cost of funding earning assets | 0.3638% | 1,162 |
| Net interest margin | 3.4723% | 1,389 |
| Noninterest income to average assets | 0.0819% | 4,549 |
| Noninterest expense to average assets | 1.5463% | 4,361 |
| Loan and lease loss provision to assets | 0.2319% | 332 |
| Net operating income to assets | 1.2656% | 1,237 |
| Return on assets (ROA) | 1.2656% | 1,218 |
| Pretax return on assets | 1.7104% | 736 |
| Return on Equity (ROE) | 11.6867% | 1,763 |
| Retained earnings to average equity (ytd only) | 11.6867% | 661 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.3237% | 4,512 |
| Assets per employee ($millions) | 14.7404% | 207 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2000% | 2,677 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 81.2949% | 328 |
| Net loans and leases to deposits | 91.0074% | 666 |
| Net loans and leases to core deposits | 95.9094% | 834 |
| Total domestic deposits to total assets | 89.3279% | 2,036 |
| Equity capital to assets | 10.3833% | 1,490 |
| Core capital (leverage) ratio | 11.3011% | 1,436 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2070% | 2,408 |
| Memoranda: | ||
| Average total assets | $495,907,000 | 1,736 |
| Average earning assets | $486,542,000 | 1,685 |
| Average equity | $53,702,000 | 1,593 |
| Average total loans | $398,574,333 | 1,382 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7252% | 1,232 |
| Cost of funding earning assets | 0.3129% | 1,536 |
| Net interest margin | 3.4124% | 1,274 |
| Noninterest income to average assets | 0.0757% | 4,588 |
| Noninterest expense to average assets | 1.5567% | 4,357 |
| Loan and lease loss provision to assets | 0.1786% | 428 |
| Net operating income to assets | 1.2562% | 1,102 |
| Return on assets (ROA) | 1.2562% | 1,089 |
| Pretax return on assets | 1.6983% | 688 |
| Return on Equity (ROE) | 11.3524% | 1,502 |
| Retained earnings to average equity (ytd only) | 11.3524% | 715 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.3368% | 4,519 |
| Assets per employee ($millions) | 15.3951% | 188 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2001% | 2,860 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 76.7464% | 459 |
| Net loans and leases to deposits | 86.1555% | 728 |
| Net loans and leases to core deposits | 90.9876% | 879 |
| Total domestic deposits to total assets | 89.0789% | 2,044 |
| Equity capital to assets | 10.5992% | 1,545 |
| Core capital (leverage) ratio | 11.8920% | 1,117 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7241% | 2,334 |
| Memoranda: | ||
| Average total assets | $485,903,500 | 1,782 |
| Average earning assets | $478,142,500 | 1,706 |
| Average equity | $53,768,500 | 1,626 |
| Average total loans | $385,608,500 | 1,411 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7148% | 2,067 |
| Cost of funding earning assets | 0.3687% | 1,774 |
| Net interest margin | 3.3461% | 2,186 |
| Noninterest income to average assets | 0.0760% | 4,667 |
| Noninterest expense to average assets | 1.6411% | 4,372 |
| Loan and lease loss provision to assets | 0.3484% | 215 |
| Net operating income to assets | 1.0180% | 2,597 |
| Return on assets (ROA) | 1.0218% | 2,662 |
| Pretax return on assets | 1.3818% | 2,108 |
| Return on Equity (ROE) | 7.8643% | 3,259 |
| Retained earnings to average equity (ytd only) | 7.8643% | 1,597 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.7478% | 4,366 |
| Assets per employee ($millions) | 14.4928% | 221 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2000% | 2,888 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 80.2255% | 260 |
| Net loans and leases to deposits | 91.7788% | 490 |
| Net loans and leases to core deposits | 98.6967% | 588 |
| Total domestic deposits to total assets | 87.4119% | 2,330 |
| Equity capital to assets | 11.5766% | 1,468 |
| Core capital (leverage) ratio | 12.1764% | 1,027 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8963% | 2,278 |
| Memoranda: | ||
| Average total assets | $394,988,800 | 2,007 |
| Average earning assets | $388,418,600 | 1,940 |
| Average equity | $51,320,800 | 1,724 |
| Average total loans | $315,457,400 | 1,643 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6399% | 2,452 |
| Cost of funding earning assets | 0.3769% | 1,877 |
| Net interest margin | 3.2631% | 2,538 |
| Noninterest income to average assets | 0.0745% | 4,745 |
| Noninterest expense to average assets | 1.6877% | 4,346 |
| Loan and lease loss provision to assets | 0.3624% | 193 |
| Net operating income to assets | 0.9049% | 3,230 |
| Return on assets (ROA) | 0.9102% | 3,289 |
| Pretax return on assets | 1.2366% | 2,813 |
| Return on Equity (ROE) | 6.7784% | 3,723 |
| Retained earnings to average equity (ytd only) | 6.7784% | 2,503 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.4526% | 4,081 |
| Assets per employee ($millions) | 15.3404% | 195 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2001% | 2,987 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 82.8821% | 145 |
| Net loans and leases to deposits | 96.0663% | 348 |
| Net loans and leases to core deposits | 108.6061% | 354 |
| Total domestic deposits to total assets | 86.2759% | 2,642 |
| Equity capital to assets | 12.6207% | 1,124 |
| Core capital (leverage) ratio | 11.9773% | 1,179 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8606% | 2,024 |
| Memoranda: | ||
| Average total assets | $377,793,500 | 2,096 |
| Average earning assets | $371,133,500 | 2,016 |
| Average equity | $50,728,750 | 1,759 |
| Average total loans | $300,176,500 | 1,736 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5164% | 2,842 |
| Cost of funding earning assets | 0.3750% | 2,091 |
| Net interest margin | 3.1414% | 2,920 |
| Noninterest income to average assets | 0.0766% | 4,769 |
| Noninterest expense to average assets | 1.7153% | 4,341 |
| Loan and lease loss provision to assets | 0.3758% | 191 |
| Net operating income to assets | 0.7876% | 3,544 |
| Return on assets (ROA) | 0.7958% | 3,598 |
| Pretax return on assets | 1.0841% | 3,267 |
| Return on Equity (ROE) | 5.7952% | 3,958 |
| Retained earnings to average equity (ytd only) | 5.7952% | 2,891 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.1998% | 3,772 |
| Assets per employee ($millions) | 13.7818% | 245 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1999% | 2,938 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 78.8827% | 385 |
| Net loans and leases to deposits | 91.6084% | 563 |
| Net loans and leases to core deposits | 104.5058% | 518 |
| Total domestic deposits to total assets | 86.1086% | 2,704 |
| Equity capital to assets | 12.7632% | 1,023 |
| Core capital (leverage) ratio | 13.3620% | 732 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2594% | 1,542 |
| Memoranda: | ||
| Average total assets | $365,660,667 | 2,135 |
| Average earning assets | $359,457,333 | 2,058 |
| Average equity | $50,213,667 | 1,765 |
| Average total loans | $284,415,000 | 1,808 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5292% | 2,831 |
| Cost of funding earning assets | 0.3807% | 2,252 |
| Net interest margin | 3.1484% | 2,850 |
| Noninterest income to average assets | 0.0677% | 4,802 |
| Noninterest expense to average assets | 1.7553% | 4,283 |
| Loan and lease loss provision to assets | 0.1434% | 926 |
| Net operating income to assets | 0.9285% | 3,051 |
| Return on assets (ROA) | 0.9385% | 3,092 |
| Pretax return on assets | 1.2746% | 2,640 |
| Return on Equity (ROE) | 6.5683% | 3,711 |
| Retained earnings to average equity (ytd only) | 6.5683% | 2,702 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5354% | 3,598 |
| Assets per employee ($millions) | 13.2723% | 266 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1999% | 2,934 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 72.3855% | 969 |
| Net loans and leases to deposits | 84.8139% | 1,065 |
| Net loans and leases to core deposits | 93.7331% | 1,001 |
| Total domestic deposits to total assets | 85.3462% | 2,980 |
| Equity capital to assets | 13.4935% | 787 |
| Core capital (leverage) ratio | 15.1111% | 465 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0549% | 920 |
| Memoranda: | ||
| Average total assets | $348,655,000 | 2,196 |
| Average earning assets | $342,518,500 | 2,116 |
| Average equity | $49,815,000 | 1,768 |
| Average total loans | $267,072,000 | 1,890 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8734% | 3,104 |
| Cost of funding earning assets | 0.5438% | 2,647 |
| Net interest margin | 3.3296% | 2,984 |
| Noninterest income to average assets | 0.0817% | 4,793 |
| Noninterest expense to average assets | 1.9634% | 4,209 |
| Loan and lease loss provision to assets | 0.3673% | 902 |
| Net operating income to assets | 0.7406% | 3,295 |
| Return on assets (ROA) | 0.7406% | 3,419 |
| Pretax return on assets | 1.0171% | 2,988 |
| Return on Equity (ROE) | 4.3684% | 4,070 |
| Retained earnings to average equity (ytd only) | 4.3684% | 2,609 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6484% | 3,643 |
| Assets per employee ($millions) | 12.5264% | 292 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2002% | 2,948 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 79.4422% | 464 |
| Net loans and leases to deposits | 95.2271% | 586 |
| Net loans and leases to core deposits | 106.2960% | 633 |
| Total domestic deposits to total assets | 83.4240% | 3,287 |
| Equity capital to assets | 15.1940% | 538 |
| Core capital (leverage) ratio | 15.7087% | 420 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3383% | 856 |
| Memoranda: | ||
| Average total assets | $282,874,400 | 2,383 |
| Average earning assets | $277,481,600 | 2,302 |
| Average equity | $47,958,600 | 1,759 |
| Average total loans | $221,305,600 | 2,097 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8798% | 3,322 |
| Cost of funding earning assets | 0.5870% | 2,689 |
| Net interest margin | 3.2928% | 3,217 |
| Noninterest income to average assets | 0.0882% | 4,794 |
| Noninterest expense to average assets | 2.0183% | 4,112 |
| Loan and lease loss provision to assets | 0.3542% | 1,068 |
| Net operating income to assets | 0.6799% | 3,521 |
| Return on assets (ROA) | 0.6799% | 3,632 |
| Pretax return on assets | 0.9445% | 3,251 |
| Return on Equity (ROE) | 3.8897% | 4,187 |
| Retained earnings to average equity (ytd only) | 3.8897% | 3,105 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8477% | 3,247 |
| Assets per employee ($millions) | 12.5272% | 292 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2169% | 2,572 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 73.2761% | 1,463 |
| Net loans and leases to deposits | 88.1946% | 1,462 |
| Net loans and leases to core deposits | 98.9309% | 1,252 |
| Total domestic deposits to total assets | 83.0845% | 3,126 |
| Equity capital to assets | 15.5399% | 535 |
| Core capital (leverage) ratio | 16.6772% | 365 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.6049% | 613 |
| Memoranda: | ||
| Average total assets | $272,171,250 | 2,423 |
| Average earning assets | $266,882,500 | 2,344 |
| Average equity | $47,577,000 | 1,757 |
| Average total loans | $211,163,000 | 2,157 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0120% | 3,291 |
| Cost of funding earning assets | 0.6647% | 2,594 |
| Net interest margin | 3.3473% | 3,251 |
| Noninterest income to average assets | 0.1060% | 4,760 |
| Noninterest expense to average assets | 2.1099% | 4,007 |
| Loan and lease loss provision to assets | 0.4983% | 725 |
| Net operating income to assets | 0.5586% | 3,864 |
| Return on assets (ROA) | 0.5586% | 3,941 |
| Pretax return on assets | 0.7861% | 3,629 |
| Return on Equity (ROE) | 3.0585% | 4,341 |
| Retained earnings to average equity (ytd only) | 3.0585% | 3,362 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1609% | 3,105 |
| Assets per employee ($millions) | 10.6023% | 431 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2000% | 2,518 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 82.0789% | 406 |
| Net loans and leases to deposits | 101.2644% | 477 |
| Net loans and leases to core deposits | 115.7223% | 539 |
| Total domestic deposits to total assets | 81.0541% | 3,590 |
| Equity capital to assets | 17.3867% | 343 |
| Core capital (leverage) ratio | 16.6580% | 378 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.6810% | 612 |
| Memoranda: | ||
| Average total assets | $258,501,667 | 2,487 |
| Average earning assets | $253,939,000 | 2,391 |
| Average equity | $47,213,333 | 1,757 |
| Average total loans | $204,113,000 | 2,186 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1248% | 3,451 |
| Cost of funding earning assets | 0.7829% | 2,489 |
| Net interest margin | 3.3419% | 3,477 |
| Noninterest income to average assets | 0.0432% | 4,985 |
| Noninterest expense to average assets | 2.1431% | 4,132 |
| Loan and lease loss provision to assets | 0.6274% | 435 |
| Net operating income to assets | 0.3793% | 4,177 |
| Return on assets (ROA) | 0.3793% | 4,214 |
| Pretax return on assets | 0.5522% | 4,028 |
| Return on Equity (ROE) | 2.0232% | 4,442 |
| Retained earnings to average equity (ytd only) | 2.0232% | 3,439 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4990% | 3,149 |
| Assets per employee ($millions) | 10.3436% | 347 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2000% | 2,675 |
| 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 | 79.4687% | 763 |
| Net loans and leases to deposits | 104.1593% | 361 |
| Net loans and leases to core deposits | 112.2977% | 741 |
| Total domestic deposits to total assets | 76.2953% | 4,444 |
| Equity capital to assets | 18.1620% | 339 |
| Core capital (leverage) ratio | 20.3755% | 222 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.2389% | 619 |
| Memoranda: | ||
| Average total assets | $249,923,000 | 2,494 |
| Average earning assets | $245,248,500 | 2,406 |
| Average equity | $46,856,000 | 1,764 |
| Average total loans | $191,666,500 | 2,242 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3854% | 3,291 |
| Cost of funding earning assets | 1.0582% | 1,489 |
| Net interest margin | 3.3272% | 3,925 |
| Noninterest income to average assets | 0.0657% | 5,000 |
| Noninterest expense to average assets | 2.6916% | 2,906 |
| Loan and lease loss provision to assets | 0.7661% | 137 |
| Net operating income to assets | 0.1755% | 4,860 |
| Return on assets (ROA) | 0.1755% | 4,882 |
| Pretax return on assets | -0.1292% | 5,010 |
| Return on Equity (ROE) | 0.6638% | 4,950 |
| Retained earnings to average equity (ytd only) | 0.6638% | 4,502 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.8657% | 876 |
| Assets per employee ($millions) | 9.2791% | 456 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2000% | 2,440 |
| 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 | 71.8055% | 2,120 |
| Net loans and leases to deposits | 89.7581% | 1,620 |
| Net loans and leases to core deposits | 93.2524% | 2,135 |
| Total domestic deposits to total assets | 79.9988% | 3,975 |
| Equity capital to assets | 19.3765% | 277 |
| Core capital (leverage) ratio | 23.6455% | 142 |
| Tier 1 risk-based capital ratio | 24.0736% | 822 |
| Total risk-based capital ratio | 25.1622% | 820 |
| Memoranda: | ||
| Average total assets | $174,911,800 | 3,067 |
| Average earning assets | $171,524,800 | 2,968 |
| Average equity | $46,246,000 | 1,714 |
| Average total loans | $116,593,600 | 2,983 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5471% | 2,907 |
| Cost of funding earning assets | 1.1638% | 1,128 |
| Net interest margin | 3.3833% | 3,903 |
| Noninterest income to average assets | 0.0446% | 5,123 |
| Noninterest expense to average assets | 2.8792% | 2,323 |
| Loan and lease loss provision to assets | 0.7335% | 143 |
| Net operating income to assets | 0.2248% | 4,931 |
| Return on assets (ROA) | 0.2248% | 4,943 |
| Pretax return on assets | -0.2510% | 5,111 |
| Return on Equity (ROE) | 0.7719% | 5,032 |
| Retained earnings to average equity (ytd only) | 0.7719% | 4,612 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.6463% | 521 |
| Assets per employee ($millions) | 6.9990% | 1,025 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1999% | 2,508 |
| 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 | 76.9440% | 1,332 |
| Net loans and leases to deposits | 106.0428% | 322 |
| Net loans and leases to core deposits | 111.3232% | 881 |
| Total domestic deposits to total assets | 72.5594% | 4,892 |
| Equity capital to assets | 26.6560% | 107 |
| Core capital (leverage) ratio | 26.9235% | 101 |
| Tier 1 risk-based capital ratio | 30.3443% | 473 |
| Total risk-based capital ratio | 31.4183% | 470 |
| Memoranda: | ||
| Average total assets | $158,325,750 | 3,247 |
| Average earning assets | $155,229,500 | 3,164 |
| Average equity | $46,120,750 | 1,716 |
| Average total loans | $101,907,250 | 3,237 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3819% | 3,383 |
| Cost of funding earning assets | 1.1798% | 1,050 |
| Net interest margin | 3.2021% | 4,367 |
| Noninterest income to average assets | 0.0432% | 5,179 |
| Noninterest expense to average assets | 2.7753% | 2,677 |
| Loan and lease loss provision to assets | 0.8431% | 115 |
| Net operating income to assets | -0.4307% | 5,183 |
| Return on assets (ROA) | -0.4307% | 5,187 |
| Pretax return on assets | -0.4307% | 5,185 |
| Return on Equity (ROE) | -1.4321% | 5,152 |
| Retained earnings to average equity (ytd only) | -1.4321% | 4,871 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.0637% | 493 |
| Assets per employee ($millions) | 7.2476% | 904 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2000% | 2,526 |
| 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 | 69.5412% | 2,596 |
| Net loans and leases to deposits | 96.9782% | 933 |
| Net loans and leases to core deposits | 102.1177% | 1,542 |
| Total domestic deposits to total assets | 71.7080% | 4,986 |
| Equity capital to assets | 27.6321% | 93 |
| Core capital (leverage) ratio | 28.1411% | 83 |
| Tier 1 risk-based capital ratio | 33.3469% | 383 |
| Total risk-based capital ratio | 34.3739% | 381 |
| Memoranda: | ||
| Average total assets | $152,776,330 | 3,318 |
| Average earning assets | $150,026,330 | 3,223 |
| Average equity | $45,947,330 | 1,716 |
| Average total loans | $90,454,000 | 3,450 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1927% | 3,895 |
| Cost of funding earning assets | 1.1320% | 1,087 |
| Net interest margin | 3.0606% | 4,652 |
| Noninterest income to average assets | 0.0411% | 5,233 |
| Noninterest expense to average assets | 2.8748% | 2,345 |
| Loan and lease loss provision to assets | 0.8778% | 106 |
| Net operating income to assets | -0.7077% | 5,270 |
| Return on assets (ROA) | -0.7077% | 5,265 |
| Pretax return on assets | -0.7077% | 5,261 |
| Return on Equity (ROE) | -2.2488% | 5,222 |
| Retained earnings to average equity (ytd only) | -2.2488% | 4,764 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.4144% | 261 |
| Assets per employee ($millions) | 7.8948% | 698 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1998% | 2,576 |
| 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 | 59.5083% | 3,752 |
| Net loans and leases to deposits | 86.6160% | 2,056 |
| Net loans and leases to core deposits | 87.6916% | 2,720 |
| Total domestic deposits to total assets | 68.7035% | 5,151 |
| Equity capital to assets | 30.5678% | 67 |
| Core capital (leverage) ratio | 31.8450% | 64 |
| Tier 1 risk-based capital ratio | 43.1036% | 186 |
| Total risk-based capital ratio | 44.1257% | 183 |
| Memoranda: | ||
| Average total assets | $145,817,500 | 3,437 |
| Average earning assets | $143,107,500 | 3,332 |
| Average equity | $45,890,500 | 1,708 |
| Average total loans | $77,016,500 | 3,754 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8415% | 5,378 |
| Cost of funding earning assets | 0.5618% | 2,978 |
| Net interest margin | 1.2797% | 5,381 |
| Noninterest income to average assets | 0.1457% | 4,983 |
| Noninterest expense to average assets | 2.8193% | 2,624 |
| Loan and lease loss provision to assets | 0.7092% | 142 |
| Net operating income to assets | -2.1416% | 5,377 |
| Return on assets (ROA) | -2.1416% | 5,375 |
| Pretax return on assets | -2.1416% | 5,372 |
| Return on Equity (ROE) | -4.9701% | 5,317 |
| Retained earnings to average equity (ytd only) | -4.9701% | 5,245 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 203.2798% | 14 |
| Assets per employee ($millions) | 7.8686% | 688 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1996% | 2,574 |
| 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 | 44.4258% | 4,801 |
| Net loans and leases to deposits | 66.5757% | 4,074 |
| Net loans and leases to core deposits | 67.2934% | 4,280 |
| Total domestic deposits to total assets | 66.7297% | 5,232 |
| Equity capital to assets | 32.4279% | 62 |
| Core capital (leverage) ratio | 33.6121% | 59 |
| Tier 1 risk-based capital ratio | 54.5086% | 109 |
| Total risk-based capital ratio | 55.4159% | 111 |
| Memoranda: | ||
| Average total assets | $107,722,000 | 3,972 |
| Average earning assets | $104,481,000 | 3,909 |
| Average equity | $46,418,000 | 1,615 |
| Average total loans | $31,800,330 | 4,775 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.0986% | 5,469 |
| Cost of funding earning assets | 0.2964% | 4,548 |
| Net interest margin | 0.8021% | 5,469 |
| Noninterest income to average assets | 0.2159% | 4,677 |
| Noninterest expense to average assets | 3.0407% | 1,894 |
| Loan and lease loss provision to assets | 0.5215% | 208 |
| Net operating income to assets | -2.5751% | 5,454 |
| Return on assets (ROA) | -2.5751% | 5,451 |
| Pretax return on assets | -2.5751% | 5,449 |
| Return on Equity (ROE) | -5.0089% | 5,394 |
| Retained earnings to average equity (ytd only) | -5.0089% | 5,319 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 308.0357% | 9 |
| Assets per employee ($millions) | 7.3369% | 827 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2016% | 2,615 |
| 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 | 23.4029% | 5,358 |
| Net loans and leases to deposits | 37.7722% | 5,247 |
| Net loans and leases to core deposits | 38.1439% | 5,264 |
| Total domestic deposits to total assets | 61.9580% | 5,373 |
| Equity capital to assets | 37.1055% | 52 |
| Core capital (leverage) ratio | 49.5386% | 37 |
| Tier 1 risk-based capital ratio | 111.9187% | 36 |
| Total risk-based capital ratio | 112.7754% | 36 |
| Memoranda: | ||
| Average total assets | $90,766,000 | 4,302 |
| Average earning assets | $87,263,000 | 4,241 |
| Average equity | $46,662,500 | 1,605 |
| Average total loans | $15,857,500 | 5,239 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.2774% | 5,537 |
| Cost of funding earning assets | 0.0146% | 5,519 |
| Net interest margin | 0.2628% | 5,536 |
| Noninterest income to average assets | 0.5176% | 2,762 |
| Noninterest expense to average assets | 4.2075% | 406 |
| Loan and lease loss provision to assets | 0.0915% | 2,094 |
| Net operating income to assets | -3.5279% | 5,527 |
| Return on assets (ROA) | -3.5279% | 5,524 |
| Pretax return on assets | -3.5279% | 5,522 |
| Return on Equity (ROE) | -4.2598% | 5,428 |
| Retained earnings to average equity (ytd only) | -4.2598% | 5,256 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 545.6621% | 4 |
| Assets per employee ($millions) | 4.3695% | 3,321 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1982% | 2,734 |
| 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 | 3.7744% | 5,507 |
| Net loans and leases to deposits | 24.9215% | 5,438 |
| Net loans and leases to core deposits | 24.9215% | 5,441 |
| Total domestic deposits to total assets | 15.1451% | 5,518 |
| Equity capital to assets | 82.8181% | 24 |
| Core capital (leverage) ratio | 90.8273% | 16 |
| Tier 1 risk-based capital ratio | 631.0539% | 5 |
| Total risk-based capital ratio | 631.4025% | 5 |
| Memoranda: | ||
| Average total assets | $56,804,000 | 4,923 |
| Average earning assets | $54,800,000 | 4,881 |
| Average equity | $47,044,000 | 1,602 |
| Average total loans | $2,170,000 | 5,509 |