| 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 | 5.8972% | 729 |
| Cost of funding earning assets | 0.8142% | 3,699 |
| Net interest margin | 5.0830% | 286 |
| Noninterest income to average assets | 0.0200% | 4,491 |
| Noninterest expense to average assets | 5.3157% | 208 |
| Loan and lease loss provision to assets | 0.3700% | 266 |
| Net operating income to assets | -0.6913% | 4,522 |
| Return on assets (ROA) | -0.6913% | 4,508 |
| Pretax return on assets | -0.6868% | 4,499 |
| Return on Equity (ROE) | -3.8200% | 4,456 |
| Retained earnings to average equity (ytd only) | -3.8239% | 4,364 |
| Net charge-offs to loans | 0.0194% | 1,966 |
| Credit loss provision to net charge-offs | 4,020.0000% | 129 |
| Earnings coverage of net charge-offs (x) | -34.5000% | 4,576 |
| Efficiency ratio | 106.3454% | 133 |
| Assets per employee ($millions) | 4.2311% | 4,068 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8635% | 3,819 |
| Loan loss allowance to noncurrent loans | 8,322.2222% | 156 |
| Noncurrent assets plus other real estate owned to assets | 0.0071% | 3,747 |
| Noncurrent loans to loans | 0.0104% | 3,686 |
| Net loans and leases to total assets | 67.7500% | 2,067 |
| Net loans and leases to deposits | 81.3503% | 2,003 |
| Net loans and leases to core deposits | 94.7884% | 1,721 |
| Total domestic deposits to total assets | 83.2800% | 2,813 |
| Equity capital to assets | 15.5736% | 502 |
| Core capital (leverage) ratio | 18.5020% | 312 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: |
| Average total assets | $108,772,800 | 3,754 |
| Average earning assets | $106,610,200 | 3,680 |
| Average equity | $19,665,600 | 2,886 |
| Average total loans | $51,614,600 | 3,823 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5738% | 934 |
| Cost of funding earning assets | 0.6931% | 3,779 |
| Net interest margin | 4.8806% | 368 |
| Noninterest income to average assets | 0.0200% | 4,512 |
| Noninterest expense to average assets | 5.3661% | 205 |
| Loan and lease loss provision to assets | 0.2300% | 452 |
| Net operating income to assets | -0.7982% | 4,557 |
| Return on assets (ROA) | -0.7982% | 4,551 |
| Pretax return on assets | -0.7982% | 4,539 |
| Return on Equity (ROE) | -4.2400% | 4,493 |
| Retained earnings to average equity (ytd only) | -4.2361% | 4,408 |
| Net charge-offs to loans | 0.0311% | 1,459 |
| Credit loss provision to net charge-offs | 1,810.0000% | 263 |
| Earnings coverage of net charge-offs (x) | -44.3000% | 4,618 |
| Efficiency ratio | 111.8070% | 98 |
| Assets per employee ($millions) | 4.0471% | 4,145 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9880% | 3,426 |
| 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 | 46.7000% | 3,798 |
| Net loans and leases to deposits | 56.9885% | 3,659 |
| Net loans and leases to core deposits | 69.0130% | 3,269 |
| Total domestic deposits to total assets | 81.9400% | 3,221 |
| Equity capital to assets | 16.8314% | 405 |
| Core capital (leverage) ratio | 19.5171% | 295 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: |
| Average total assets | $104,232,750 | 3,804 |
| Average earning assets | $102,142,750 | 3,738 |
| Average equity | $19,640,000 | 2,874 |
| Average total loans | $42,832,750 | 3,963 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3678% | 997 |
| Cost of funding earning assets | 0.4920% | 3,997 |
| Net interest margin | 4.8758% | 361 |
| Noninterest income to average assets | 0.0100% | 4,563 |
| Noninterest expense to average assets | 5.4662% | 192 |
| Loan and lease loss provision to assets | 0.1800% | 602 |
| Net operating income to assets | -0.8498% | 4,589 |
| Return on assets (ROA) | -0.8498% | 4,583 |
| Pretax return on assets | -0.8498% | 4,579 |
| Return on Equity (ROE) | -4.3400% | 4,533 |
| Retained earnings to average equity (ytd only) | -4.3371% | 4,402 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 114.0619% | 86 |
| Assets per employee ($millions) | 4.2162% | 4,097 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9557% | 3,590 |
| 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 | 42.0700% | 3,960 |
| Net loans and leases to deposits | 51.8466% | 3,846 |
| Net loans and leases to core deposits | 61.5307% | 3,556 |
| Total domestic deposits to total assets | 81.1400% | 3,404 |
| Equity capital to assets | 17.9849% | 342 |
| Core capital (leverage) ratio | 20.7392% | 235 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: |
| Average total assets | $101,204,333 | 3,853 |
| Average earning assets | $99,183,333 | 3,784 |
| Average equity | $19,829,000 | 2,882 |
| Average total loans | $39,296,000 | 4,030 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8467% | 1,510 |
| Cost of funding earning assets | 0.3997% | 3,966 |
| Net interest margin | 4.4470% | 628 |
| Noninterest income to average assets | 0.0100% | 4,616 |
| Noninterest expense to average assets | 5.2043% | 217 |
| Loan and lease loss provision to assets | 0.2400% | 401 |
| Net operating income to assets | -1.0763% | 4,624 |
| Return on assets (ROA) | -1.0763% | 4,617 |
| Pretax return on assets | -1.0763% | 4,611 |
| Return on Equity (ROE) | -5.2500% | 4,555 |
| Retained earnings to average equity (ytd only) | -5.2499% | 4,339 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 119.0566% | 73 |
| Assets per employee ($millions) | 4.8726% | 3,750 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0874% | 3,118 |
| 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 | 36.8900% | 4,157 |
| Net loans and leases to deposits | 46.4078% | 4,023 |
| Net loans and leases to core deposits | 57.3136% | 3,669 |
| Total domestic deposits to total assets | 79.4900% | 3,835 |
| Equity capital to assets | 19.6024% | 246 |
| Core capital (leverage) ratio | 23.6226% | 184 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: |
| Average total assets | $96,996,500 | 3,932 |
| Average earning assets | $95,074,500 | 3,871 |
| Average equity | $19,886,000 | 2,905 |
| Average total loans | $35,663,500 | 4,140 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.3386% | 4,551 |
| Cost of funding earning assets | 0.2422% | 3,391 |
| Net interest margin | 2.0965% | 4,523 |
| Noninterest income to average assets | 0.0100% | 4,654 |
| Noninterest expense to average assets | 7.4648% | 141 |
| Loan and lease loss provision to assets | 0.5100% | 117 |
| Net operating income to assets | -5.9147% | 4,711 |
| Return on assets (ROA) | -5.9147% | 4,711 |
| Pretax return on assets | -5.9147% | 4,711 |
| Return on Equity (ROE) | -19.4600% | 4,688 |
| Retained earnings to average equity (ytd only) | -19.4552% | 4,691 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 363.0401% | 17 |
| Assets per employee ($millions) | 4.5835% | 3,979 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0735% | 3,023 |
| 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 | 35.7900% | 4,225 |
| Net loans and leases to deposits | 46.2605% | 4,045 |
| Net loans and leases to core deposits | 59.9839% | 3,507 |
| Total domestic deposits to total assets | 77.3600% | 4,139 |
| Equity capital to assets | 21.5056% | 198 |
| Core capital (leverage) ratio | 27.3685% | 140 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: |
| Average total assets | $63,029,000 | 4,306 |
| Average earning assets | $61,532,000 | 4,245 |
| Average equity | $19,162,000 | 3,022 |
| Average total loans | $15,171,000 | 4,480 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 1.7207% | 4,645 |
| Cost of funding earning assets | 0.1885% | 3,415 |
| Net interest margin | 1.5322% | 4,637 |
| Noninterest income to average assets | 0.0100% | 4,687 |
| Noninterest expense to average assets | 8.7560% | 122 |
| Loan and lease loss provision to assets | 0.3400% | 190 |
| Net operating income to assets | -7.5914% | 4,755 |
| Return on assets (ROA) | -7.5914% | 4,754 |
| Pretax return on assets | -7.5914% | 4,754 |
| Return on Equity (ROE) | -22.2900% | 4,730 |
| Retained earnings to average equity (ytd only) | -22.2941% | 4,733 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 583.3068% | 13 |
| Assets per employee ($millions) | 3.8834% | 4,371 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0987% | 3,022 |
| 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 | 20.6300% | 4,585 |
| Net loans and leases to deposits | 26.7063% | 4,552 |
| Net loans and leases to core deposits | 32.6035% | 4,471 |
| Total domestic deposits to total assets | 77.2500% | 4,309 |
| Equity capital to assets | 21.4915% | 188 |
| Core capital (leverage) ratio | 26.9001% | 137 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 113.2487% | 57 |
| Memoranda: |
| Average total assets | $55,869,000 | 4,412 |
| Average earning assets | $54,473,750 | 4,364 |
| Average equity | $19,024,000 | 3,075 |
| Average total loans | $10,673,000 | 4,584 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 1.1124% | 4,731 |
| Cost of funding earning assets | 0.0846% | 4,329 |
| Net interest margin | 1.0278% | 4,728 |
| Noninterest income to average assets | 0.0041% | 4,730 |
| Noninterest expense to average assets | 10.1188% | 69 |
| Loan and lease loss provision to assets | 0.5761% | 87 |
| Net operating income to assets | -9.6908% | 4,762 |
| Return on assets (ROA) | -9.6908% | 4,762 |
| Pretax return on assets | -9.6908% | 4,761 |
| Return on Equity (ROE) | -23.7863% | 4,754 |
| Retained earnings to average equity (ytd only) | -23.7863% | 4,738 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 1,007.7869% | 10 |
| Assets per employee ($millions) | 3.4561% | 4,559 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1170% | 3,097 |
| 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 | 23.9960% | 4,595 |
| Net loans and leases to deposits | 33.7243% | 4,451 |
| Net loans and leases to core deposits | 45.7096% | 4,134 |
| Total domestic deposits to total assets | 71.1536% | 4,597 |
| Equity capital to assets | 27.5306% | 73 |
| Core capital (leverage) ratio | 38.2348% | 53 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 121.1141% | 23 |
| Memoranda: |
| Average total assets | $48,602,667 | 4,529 |
| Average earning assets | $47,285,000 | 4,487 |
| Average equity | $19,801,333 | 3,088 |
| Average total loans | $8,830,333 | 4,681 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 0.8141% | 4,769 |
| Cost of funding earning assets | 0.0515% | 4,592 |
| Net interest margin | 0.7626% | 4,768 |
| Noninterest income to average assets | 0.0000% | 4,754 |
| Noninterest expense to average assets | 12.3579% | 56 |
| Loan and lease loss provision to assets | 0.5091% | 93 |
| Net operating income to assets | -12.1283% | 4,792 |
| Return on assets (ROA) | -12.1283% | 4,792 |
| Pretax return on assets | -12.1283% | 4,792 |
| Return on Equity (ROE) | -23.5203% | 4,778 |
| Retained earnings to average equity (ytd only) | -23.5203% | 4,722 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 1,672.9730% | 3 |
| Assets per employee ($millions) | 2.3792% | 4,703 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1642% | 3,033 |
| 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 | 16.5273% | 4,698 |
| Net loans and leases to deposits | 30.3860% | 4,540 |
| Net loans and leases to core deposits | 31.6742% | 4,545 |
| Total domestic deposits to total assets | 54.3912% | 4,743 |
| Equity capital to assets | 43.4608% | 42 |
| Core capital (leverage) ratio | 55.6275% | 33 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 201.8914% | 17 |
| Memoranda: |
| Average total assets | $40,071,500 | 4,635 |
| Average earning assets | $38,816,000 | 4,604 |
| Average equity | $20,663,000 | 3,087 |
| Average total loans | $5,278,000 | 4,746 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 0.1531% | 4,830 |
| Cost of funding earning assets | 0.0000% | 4,821 |
| Net interest margin | 0.1531% | 4,826 |
| Noninterest income to average assets | 0.0000% | 4,810 |
| Noninterest expense to average assets | 9.5343% | 76 |
| Loan and lease loss provision to assets | 0.0843% | 1,454 |
| Net operating income to assets | -9.4677% | 4,836 |
| Return on assets (ROA) | -9.4677% | 4,836 |
| Pretax return on assets | -9.4677% | 4,836 |
| Return on Equity (ROE) | -19.2572% | 4,824 |
| Retained earnings to average equity (ytd only) | -19.2572% | 4,809 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 6,319.1176% | 2 |
| Assets per employee ($millions) | 2.3293% | 4,753 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2679% | 2,514 |
| 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 | 8.4690% | 4,786 |
| Net loans and leases to deposits | 23.0398% | 4,717 |
| Net loans and leases to core deposits | 23.0398% | 4,721 |
| Total domestic deposits to total assets | 36.7584% | 4,810 |
| Equity capital to assets | 62.0510% | 28 |
| Core capital (leverage) ratio | 53.6491% | 30 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 459.5664% | 5 |
| Memoranda: |
| Average total assets | $45,069,000 | 4,612 |
| Average earning assets | $44,412,500 | 4,569 |
| Average equity | $22,158,000 | 3,050 |
| Average total loans | $1,498,500 | 4,806 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 0.0244% | 4,910 |
| Cost of funding earning assets | 0.0000% | 4,892 |
| Net interest margin | 0.0244% | 4,907 |
| Noninterest income to average assets | 0.0000% | 4,883 |
| Noninterest expense to average assets | 8.1497% | 94 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | -8.1255% | 4,912 |
| Return on assets (ROA) | -8.1255% | 4,912 |
| Pretax return on assets | -8.1255% | 4,912 |
| Return on Equity (ROE) | -19.8145% | 4,899 |
| Retained earnings to average equity (ytd only) | -19.8145% | 4,883 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 33,740.0000% | 3 |
| Assets per employee ($millions) | 4.2461% | 4,304 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) |
| Loss allowance to loans | NA | NA |
| 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 | NA | NA |
| Net loans and leases to total assets | 0.0000% | 4,885 |
| Net loans and leases to deposits | 0.0000% | 4,885 |
| Net loans and leases to core deposits | 0.0000% | 4,874 |
| Total domestic deposits to total assets | 58.5319% | 4,847 |
| Equity capital to assets | 41.0080% | 43 |
| Core capital (leverage) ratio | 87.5871% | 17 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 5,804.1026% | 1 |
| Memoranda: |
| Average total assets | $55,199,000 | 4,568 |
| Average earning assets | $54,707,000 | 4,508 |
| Average equity | $22,636,000 | 3,047 |
| Average total loans | NA | NA |
