| 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 | 6.3718% | 395 |
| Cost of funding earning assets | 2.4770% | 384 |
| Net interest margin | 3.8948% | 1,389 |
| Noninterest income to average assets | 0.0300% | 4,476 |
| Noninterest expense to average assets | 3.1065% | 949 |
| Loan and lease loss provision to assets | 0.6500% | 123 |
| Net operating income to assets | 0.0572% | 4,282 |
| Return on assets (ROA) | 0.0572% | 4,312 |
| Pretax return on assets | 0.0572% | 4,305 |
| Return on Equity (ROE) | 0.2700% | 4,322 |
| Retained earnings to average equity (ytd only) | 0.2658% | 3,990 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 81.3858% | 818 |
| Assets per employee ($millions) | 11.6772% | 446 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8193% | 3,921 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 88.4000% | 69 |
| Net loans and leases to deposits | 107.3717% | 253 |
| Net loans and leases to core deposits | 133.4717% | 352 |
| Total domestic deposits to total assets | 82.3300% | 3,062 |
| Equity capital to assets | 16.4633% | 424 |
| Core capital (leverage) ratio | 16.9214% | 404 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: |
| Average total assets | $159,184,800 | 3,278 |
| Average earning assets | $154,948,600 | 3,213 |
| Average equity | $34,236,600 | 2,086 |
| Average total loans | $133,113,400 | 2,836 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.0315% | 512 |
| Cost of funding earning assets | 2.1020% | 591 |
| Net interest margin | 3.9295% | 1,345 |
| Noninterest income to average assets | 0.0200% | 4,512 |
| Noninterest expense to average assets | 3.3088% | 713 |
| Loan and lease loss provision to assets | 0.8700% | 79 |
| Net operating income to assets | -0.3433% | 4,518 |
| Return on assets (ROA) | -0.3433% | 4,505 |
| Pretax return on assets | -0.3433% | 4,495 |
| Return on Equity (ROE) | -1.4700% | 4,441 |
| Retained earnings to average equity (ytd only) | -1.4721% | 4,287 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 86.1954% | 506 |
| Assets per employee ($millions) | 10.7112% | 545 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9844% | 3,444 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 78.7300% | 791 |
| Net loans and leases to deposits | 96.9637% | 689 |
| Net loans and leases to core deposits | 102.2108% | 1,200 |
| Total domestic deposits to total assets | 81.1900% | 3,351 |
| Equity capital to assets | 17.7053% | 361 |
| Core capital (leverage) ratio | 20.5558% | 258 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: |
| Average total assets | $146,433,750 | 3,405 |
| Average earning assets | $142,271,250 | 3,328 |
| Average equity | $34,144,750 | 2,074 |
| Average total loans | $119,555,500 | 2,964 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.1045% | 391 |
| Cost of funding earning assets | 1.8068% | 732 |
| Net interest margin | 4.2978% | 809 |
| Noninterest income to average assets | 0.0200% | 4,546 |
| Noninterest expense to average assets | 3.7670% | 416 |
| Loan and lease loss provision to assets | 1.3100% | 44 |
| Net operating income to assets | -0.8979% | 4,595 |
| Return on assets (ROA) | -0.8979% | 4,590 |
| Pretax return on assets | -0.8979% | 4,583 |
| Return on Equity (ROE) | -3.4400% | 4,518 |
| Retained earnings to average equity (ytd only) | -3.4439% | 4,361 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 90.1023% | 350 |
| Assets per employee ($millions) | 8.6510% | 1,022 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9127% | 3,741 |
| 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 | 87.5700% | 94 |
| Net loans and leases to deposits | 113.9064% | 151 |
| Net loans and leases to core deposits | 133.5099% | 281 |
| Total domestic deposits to total assets | 76.8800% | 3,962 |
| Equity capital to assets | 21.7868% | 233 |
| Core capital (leverage) ratio | 24.1427% | 174 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: |
| Average total assets | $130,978,000 | 3,558 |
| Average earning assets | $126,857,000 | 3,497 |
| Average equity | $34,147,667 | 2,085 |
| Average total loans | $108,309,667 | 3,075 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5379% | 586 |
| Cost of funding earning assets | 1.3985% | 1,024 |
| Net interest margin | 4.1394% | 1,045 |
| Noninterest income to average assets | 0.0100% | 4,616 |
| Noninterest expense to average assets | 3.9987% | 349 |
| Loan and lease loss provision to assets | 1.7100% | 45 |
| Net operating income to assets | -1.7104% | 4,641 |
| Return on assets (ROA) | -1.7104% | 4,636 |
| Pretax return on assets | -1.7104% | 4,632 |
| Return on Equity (ROE) | -5.9100% | 4,562 |
| Retained earnings to average equity (ytd only) | -5.9080% | 4,362 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 99.9155% | 172 |
| Assets per employee ($millions) | 7.7887% | 1,464 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2385% | 2,339 |
| 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 | 79.3800% | 604 |
| Net loans and leases to deposits | 108.2980% | 210 |
| Net loans and leases to core deposits | 112.3127% | 633 |
| Total domestic deposits to total assets | 73.2900% | 4,313 |
| Equity capital to assets | 25.6835% | 145 |
| Core capital (leverage) ratio | 30.6331% | 124 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: |
| Average total assets | $118,338,000 | 3,738 |
| Average earning assets | $114,122,500 | 3,678 |
| Average equity | $34,258,500 | 2,104 |
| Average total loans | $93,655,000 | 3,285 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9319% | 1,906 |
| Cost of funding earning assets | 0.4433% | 1,768 |
| Net interest margin | 3.4886% | 1,958 |
| Noninterest income to average assets | 0.0100% | 4,654 |
| Noninterest expense to average assets | 5.3596% | 193 |
| Loan and lease loss provision to assets | 1.1200% | 40 |
| Net operating income to assets | -3.1457% | 4,699 |
| Return on assets (ROA) | -3.1457% | 4,698 |
| Pretax return on assets | -3.1457% | 4,697 |
| Return on Equity (ROE) | -6.8300% | 4,643 |
| Retained earnings to average equity (ytd only) | -6.8319% | 4,604 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 160.7867% | 32 |
| Assets per employee ($millions) | 7.4477% | 1,655 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0026% | 3,366 |
| 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 | 76.8000% | 919 |
| Net loans and leases to deposits | 117.6796% | 82 |
| Net loans and leases to core deposits | 117.6796% | 409 |
| Total domestic deposits to total assets | 65.2600% | 4,537 |
| Equity capital to assets | 33.0974% | 114 |
| Core capital (leverage) ratio | 35.1802% | 109 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: |
| Average total assets | $72,449,000 | 4,211 |
| Average earning assets | $69,024,500 | 4,172 |
| Average equity | $33,358,000 | 2,183 |
| Average total loans | $42,272,500 | 4,024 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.5647% | 4,413 |
| Cost of funding earning assets | 0.1704% | 3,624 |
| Net interest margin | 2.3944% | 4,330 |
| Noninterest income to average assets | 0.0100% | 4,687 |
| Noninterest expense to average assets | 3.9497% | 337 |
| Loan and lease loss provision to assets | 1.1600% | 33 |
| Net operating income to assets | -2.8286% | 4,742 |
| Return on assets (ROA) | -2.8286% | 4,739 |
| Pretax return on assets | -2.8286% | 4,739 |
| Return on Equity (ROE) | -5.3100% | 4,667 |
| Retained earnings to average equity (ytd only) | -5.3051% | 4,609 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 167.4858% | 33 |
| Assets per employee ($millions) | 6.1621% | 2,613 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0515% | 3,247 |
| 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 | 54.7700% | 3,027 |
| Net loans and leases to deposits | 84.4248% | 1,271 |
| Net loans and leases to core deposits | 84.4248% | 1,623 |
| Total domestic deposits to total assets | 64.8800% | 4,592 |
| Equity capital to assets | 35.0629% | 101 |
| Core capital (leverage) ratio | 45.4653% | 92 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: |
| Average total assets | $61,842,667 | 4,354 |
| Average earning assets | $58,692,000 | 4,313 |
| Average equity | $32,974,000 | 2,232 |
| Average total loans | $29,399,333 | 4,277 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 1.5094% | 4,705 |
| Cost of funding earning assets | 0.0181% | 4,723 |
| Net interest margin | 1.4913% | 4,684 |
| Noninterest income to average assets | 0.0000% | 4,732 |
| Noninterest expense to average assets | 3.8326% | 314 |
| Loan and lease loss provision to assets | 1.4480% | 29 |
| Net operating income to assets | -3.8626% | 4,753 |
| Return on assets (ROA) | -3.8626% | 4,751 |
| Pretax return on assets | -3.8626% | 4,749 |
| Return on Equity (ROE) | -5.4065% | 4,683 |
| Retained earnings to average equity (ytd only) | -5.4065% | 4,556 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 259.6970% | 16 |
| Assets per employee ($millions) | 3.8557% | 4,430 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9935% | 3,628 |
| 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 | 58.0659% | 2,529 |
| Net loans and leases to deposits | 134.2890% | 18 |
| Net loans and leases to core deposits | 134.2890% | 98 |
| Total domestic deposits to total assets | 43.2395% | 4,732 |
| Equity capital to assets | 56.7501% | 38 |
| Core capital (leverage) ratio | 67.8505% | 35 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $46,548,500 | 4,553 |
| Average earning assets | $44,255,500 | 4,532 |
| Average equity | $33,256,500 | 2,265 |
| Average total loans | $18,516,500 | 4,528 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 0.1441% | 4,793 |
| Cost of funding earning assets | 0.0000% | 4,770 |
| Net interest margin | 0.1441% | 4,791 |
| Noninterest income to average assets | 0.0000% | 4,754 |
| Noninterest expense to average assets | 0.4764% | 4,779 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | -0.3403% | 4,672 |
| Return on assets (ROA) | -0.3403% | 4,657 |
| Pretax return on assets | -0.3403% | 4,645 |
| Return on Equity (ROE) | -0.3562% | 4,551 |
| Retained earnings to average equity (ytd only) | -0.3562% | 4,065 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 350.0000% | 11 |
| Assets per employee ($millions) | 2.3507% | 4,704 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.0000% | 4,747 |
| 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 | 8.8285% | 4,741 |
| Net loans and leases to deposits | 198.2803% | 3 |
| Net loans and leases to core deposits | 198.2803% | 25 |
| Total domestic deposits to total assets | 4.4525% | 4,785 |
| Equity capital to assets | 95.5475% | 4 |
| Core capital (leverage) ratio | 997.0701% | 1 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $35,261,000 | 4,671 |
| Average earning assets | $33,313,000 | 4,659 |
| Average equity | $33,691,000 | 2,299 |
| Average total loans | $3,113,000 | 4,759 |
