Home > Grasshopper Bank, N.A. > Performance and Condition Ratios
Grasshopper Bank, N.A., Performance and Condition Ratios
| 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 | 5.8785% | 1,466 |
| Cost of funding earning assets | 3.0992% | 410 |
| Net interest margin | 2.7793% | 3,512 |
| Noninterest income to average assets | 1.2300% | 434 |
| Noninterest expense to average assets | 3.8372% | 426 |
| Loan and lease loss provision to assets | 0.1100% | 1,276 |
| Net operating income to assets | -0.0507% | 4,219 |
| Return on assets (ROA) | 0.0178% | 4,179 |
| Pretax return on assets | 0.0257% | 4,163 |
| Return on Equity (ROE) | 0.2600% | 4,166 |
| Retained earnings to average equity (ytd only) | 0.2585% | 3,845 |
| Net charge-offs to loans | 0.1118% | 1,096 |
| Credit loss provision to net charge-offs | 108.8235% | 1,780 |
| Earnings coverage of net charge-offs (x) | 0.5971% | 2,974 |
| Efficiency ratio | 98.7335% | 299 |
| Assets per employee ($millions) | 9.0363% | 1,049 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9243% | 3,557 |
| Loan loss allowance to noncurrent loans | 101.2591% | 2,960 |
| Noncurrent assets plus other real estate owned to assets | 0.6775% | 1,070 |
| Noncurrent loans to loans | 0.9128% | 1,092 |
| Net loans and leases to total assets | 73.5400% | 1,467 |
| Net loans and leases to deposits | 79.5512% | 2,172 |
| Net loans and leases to core deposits | 79.5512% | 2,809 |
| Total domestic deposits to total assets | 92.4400% | 226 |
| Equity capital to assets | 6.6558% | 4,063 |
| Core capital (leverage) ratio | 7.9121% | 4,316 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3573% | 2,680 |
| Memoranda: | ||
| Average total assets | $824,863,000 | 1,187 |
| Average earning assets | $787,713,400 | 1,159 |
| Average equity | $56,861,400 | 1,559 |
| Average total loans | $607,973,800 | 1,120 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8824% | 1,413 |
| Cost of funding earning assets | 3.2306% | 331 |
| Net interest margin | 2.6519% | 3,677 |
| Noninterest income to average assets | 1.3400% | 393 |
| Noninterest expense to average assets | 3.7821% | 431 |
| Loan and lease loss provision to assets | 0.1300% | 993 |
| Net operating income to assets | -0.0403% | 4,255 |
| Return on assets (ROA) | 0.0768% | 4,169 |
| Pretax return on assets | 0.0768% | 4,170 |
| Return on Equity (ROE) | 1.1000% | 4,119 |
| Retained earnings to average equity (ytd only) | 1.1040% | 3,697 |
| Net charge-offs to loans | 0.0000% | 2,849 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 97.7484% | 319 |
| Assets per employee ($millions) | 9.3617% | 943 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0492% | 2,998 |
| Loan loss allowance to noncurrent loans | 255.4194% | 1,926 |
| Noncurrent assets plus other real estate owned to assets | 0.2999% | 2,013 |
| Noncurrent loans to loans | 0.4108% | 2,048 |
| Net loans and leases to total assets | 72.2400% | 1,580 |
| Net loans and leases to deposits | 78.3682% | 2,324 |
| Net loans and leases to core deposits | 78.3682% | 2,930 |
| Total domestic deposits to total assets | 92.1800% | 163 |
| Equity capital to assets | 6.8463% | 4,163 |
| Core capital (leverage) ratio | 8.0152% | 4,318 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6817% | 2,640 |
| Memoranda: | ||
| Average total assets | $814,207,250 | 1,194 |
| Average earning assets | $777,095,750 | 1,173 |
| Average equity | $56,642,250 | 1,557 |
| Average total loans | $599,001,250 | 1,125 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9100% | 1,291 |
| Cost of funding earning assets | 3.2594% | 290 |
| Net interest margin | 2.6506% | 3,670 |
| Noninterest income to average assets | 1.5000% | 355 |
| Noninterest expense to average assets | 3.9070% | 393 |
| Loan and lease loss provision to assets | 0.1900% | 581 |
| Net operating income to assets | -0.0699% | 4,291 |
| Return on assets (ROA) | 0.1099% | 4,135 |
| Pretax return on assets | 0.1099% | 4,148 |
| Return on Equity (ROE) | 1.5700% | 4,077 |
| Retained earnings to average equity (ytd only) | 1.5704% | 3,466 |
| Net charge-offs to loans | 0.0000% | 2,619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 96.9187% | 346 |
| Assets per employee ($millions) | 8.6155% | 1,151 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0787% | 2,901 |
| Loan loss allowance to noncurrent loans | 567.5468% | 1,160 |
| Noncurrent assets plus other real estate owned to assets | 0.1405% | 2,716 |
| Noncurrent loans to loans | 0.1901% | 2,741 |
| Net loans and leases to total assets | 73.1100% | 1,518 |
| Net loans and leases to deposits | 79.3836% | 2,256 |
| Net loans and leases to core deposits | 79.3836% | 2,838 |
| Total domestic deposits to total assets | 92.1000% | 255 |
| Equity capital to assets | 6.7556% | 4,024 |
| Core capital (leverage) ratio | 8.0538% | 4,316 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9109% | 2,590 |
| Memoranda: | ||
| Average total assets | $795,397,333 | 1,222 |
| Average earning assets | $758,541,000 | 1,187 |
| Average equity | $55,654,333 | 1,562 |
| Average total loans | $586,795,667 | 1,143 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6167% | 1,604 |
| Cost of funding earning assets | 3.1879% | 298 |
| Net interest margin | 2.4288% | 3,967 |
| Noninterest income to average assets | 1.6800% | 296 |
| Noninterest expense to average assets | 3.9936% | 366 |
| Loan and lease loss provision to assets | 0.2800% | 330 |
| Net operating income to assets | -0.2740% | 4,406 |
| Return on assets (ROA) | 0.0949% | 4,159 |
| Pretax return on assets | 0.0949% | 4,162 |
| Return on Equity (ROE) | 1.3300% | 4,099 |
| Retained earnings to average equity (ytd only) | 1.3321% | 3,409 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 99.8194% | 298 |
| Assets per employee ($millions) | 7.8821% | 1,519 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0319% | 3,141 |
| Loan loss allowance to noncurrent loans | 256.8635% | 2,105 |
| Noncurrent assets plus other real estate owned to assets | 0.3057% | 1,892 |
| Noncurrent loans to loans | 0.4017% | 1,931 |
| Net loans and leases to total assets | 75.3100% | 1,163 |
| Net loans and leases to deposits | 82.0370% | 1,884 |
| Net loans and leases to core deposits | 82.0370% | 2,569 |
| Total domestic deposits to total assets | 91.8100% | 363 |
| Equity capital to assets | 6.7318% | 4,005 |
| Core capital (leverage) ratio | 8.6525% | 3,986 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7016% | 2,669 |
| Memoranda: | ||
| Average total assets | $775,243,000 | 1,247 |
| Average earning assets | $739,795,000 | 1,217 |
| Average equity | $55,253,000 | 1,558 |
| Average total loans | $571,352,000 | 1,162 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9166% | 2,240 |
| Cost of funding earning assets | 2.7470% | 227 |
| Net interest margin | 2.1696% | 4,336 |
| Noninterest income to average assets | 1.9400% | 278 |
| Noninterest expense to average assets | 3.9848% | 371 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | -0.0480% | 4,410 |
| Return on assets (ROA) | -0.3248% | 4,475 |
| Pretax return on assets | -0.3248% | 4,463 |
| Return on Equity (ROE) | -4.2400% | 4,459 |
| Retained earnings to average equity (ytd only) | -4.2433% | 4,372 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 99.4222% | 197 |
| Assets per employee ($millions) | 7.5631% | 1,690 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1214% | 2,715 |
| Loan loss allowance to noncurrent loans | 105.3271% | 3,195 |
| Noncurrent assets plus other real estate owned to assets | 0.7625% | 677 |
| Noncurrent loans to loans | 1.0647% | 690 |
| Net loans and leases to total assets | 70.8200% | 1,722 |
| Net loans and leases to deposits | 78.0350% | 2,259 |
| Net loans and leases to core deposits | 78.0350% | 2,832 |
| Total domestic deposits to total assets | 90.7500% | 569 |
| Equity capital to assets | 8.3196% | 3,179 |
| Core capital (leverage) ratio | 10.0804% | 2,712 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9004% | 1,899 |
| Memoranda: | ||
| Average total assets | $699,557,600 | 1,312 |
| Average earning assets | $667,450,800 | 1,285 |
| Average equity | $53,543,800 | 1,518 |
| Average total loans | $497,668,200 | 1,238 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9991% | 1,827 |
| Cost of funding earning assets | 2.6692% | 205 |
| Net interest margin | 2.3299% | 4,284 |
| Noninterest income to average assets | 1.9400% | 289 |
| Noninterest expense to average assets | 3.7768% | 427 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 0.3483% | 4,054 |
| Return on assets (ROA) | -0.0253% | 4,427 |
| Pretax return on assets | -0.0253% | 4,417 |
| Return on Equity (ROE) | -0.3400% | 4,401 |
| Retained earnings to average equity (ytd only) | -0.3380% | 4,186 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 90.7889% | 354 |
| Assets per employee ($millions) | 7.1825% | 1,828 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1084% | 2,821 |
| 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 | 72.1300% | 1,560 |
| Net loans and leases to deposits | 78.5695% | 2,190 |
| Net loans and leases to core deposits | 78.5695% | 2,709 |
| Total domestic deposits to total assets | 91.8100% | 494 |
| Equity capital to assets | 7.7043% | 3,241 |
| Core capital (leverage) ratio | 10.0061% | 2,821 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6479% | 2,028 |
| Memoranda: | ||
| Average total assets | $691,043,000 | 1,318 |
| Average earning assets | $658,498,750 | 1,291 |
| Average equity | $51,671,250 | 1,554 |
| Average total loans | $490,731,750 | 1,247 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8597% | 1,862 |
| Cost of funding earning assets | 2.4035% | 226 |
| Net interest margin | 2.4562% | 4,255 |
| Noninterest income to average assets | 1.9400% | 250 |
| Noninterest expense to average assets | 3.9217% | 361 |
| Loan and lease loss provision to assets | 0.0900% | 1,256 |
| Net operating income to assets | 0.2868% | 4,173 |
| Return on assets (ROA) | -0.2827% | 4,534 |
| Pretax return on assets | -0.2827% | 4,528 |
| Return on Equity (ROE) | -3.7500% | 4,526 |
| Retained earnings to average equity (ytd only) | -3.7474% | 4,373 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 91.2957% | 320 |
| Assets per employee ($millions) | 7.6415% | 1,513 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0775% | 3,051 |
| 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 | 67.4600% | 2,015 |
| Net loans and leases to deposits | 73.3567% | 2,555 |
| Net loans and leases to core deposits | 73.3567% | 2,937 |
| Total domestic deposits to total assets | 91.9600% | 421 |
| Equity capital to assets | 7.5917% | 3,473 |
| Core capital (leverage) ratio | 9.8251% | 2,932 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9193% | 1,935 |
| Memoranda: | ||
| Average total assets | $679,849,667 | 1,328 |
| Average earning assets | $652,959,000 | 1,292 |
| Average equity | $51,288,667 | 1,570 |
| Average total loans | $474,724,000 | 1,267 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4489% | 2,429 |
| Cost of funding earning assets | 2.2232% | 185 |
| Net interest margin | 2.2257% | 4,488 |
| Noninterest income to average assets | 1.9400% | 239 |
| Noninterest expense to average assets | 3.6626% | 456 |
| Loan and lease loss provision to assets | -0.1300% | 4,593 |
| Net operating income to assets | 0.5625% | 3,767 |
| Return on assets (ROA) | -0.6097% | 4,583 |
| Pretax return on assets | -0.6097% | 4,575 |
| Return on Equity (ROE) | -8.1100% | 4,584 |
| Retained earnings to average equity (ytd only) | -8.1099% | 4,435 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 89.4822% | 374 |
| Assets per employee ($millions) | 7.1454% | 1,858 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9921% | 3,545 |
| 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 | 67.9000% | 1,845 |
| Net loans and leases to deposits | 73.4136% | 2,342 |
| Net loans and leases to core deposits | 73.4136% | 2,726 |
| Total domestic deposits to total assets | 92.4800% | 406 |
| Equity capital to assets | 7.0414% | 3,810 |
| Core capital (leverage) ratio | 9.6244% | 3,078 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0302% | 2,377 |
| Memoranda: | ||
| Average total assets | $660,626,000 | 1,386 |
| Average earning assets | $638,000,000 | 1,329 |
| Average equity | $49,667,500 | 1,621 |
| Average total loans | $467,160,500 | 1,296 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0462% | 1,600 |
| Cost of funding earning assets | 1.0166% | 146 |
| Net interest margin | 3.0295% | 3,359 |
| Noninterest income to average assets | 0.9000% | 783 |
| Noninterest expense to average assets | 5.9941% | 163 |
| Loan and lease loss provision to assets | 0.6300% | 86 |
| Net operating income to assets | -2.8116% | 4,695 |
| Return on assets (ROA) | -2.8116% | 4,694 |
| Pretax return on assets | -2.8116% | 4,695 |
| Return on Equity (ROE) | -25.6000% | 4,695 |
| Retained earnings to average equity (ytd only) | -25.6014% | 4,703 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 157.4229% | 34 |
| Assets per employee ($millions) | 6.5368% | 2,307 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9958% | 3,415 |
| 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 | 72.4000% | 1,371 |
| Net loans and leases to deposits | 81.6359% | 1,647 |
| Net loans and leases to core deposits | 88.0295% | 1,604 |
| Total domestic deposits to total assets | 88.6800% | 1,821 |
| Equity capital to assets | 8.0559% | 3,032 |
| Core capital (leverage) ratio | 10.1197% | 2,529 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2665% | 2,254 |
| Memoranda: | ||
| Average total assets | $460,835,200 | 1,831 |
| Average earning assets | $441,850,400 | 1,781 |
| Average equity | $50,610,600 | 1,606 |
| Average total loans | $296,326,000 | 1,737 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5212% | 2,545 |
| Cost of funding earning assets | 0.4879% | 799 |
| Net interest margin | 3.0333% | 3,132 |
| Noninterest income to average assets | 1.1000% | 572 |
| Noninterest expense to average assets | 6.6058% | 152 |
| Loan and lease loss provision to assets | 0.8400% | 51 |
| Net operating income to assets | -3.4458% | 4,745 |
| Return on assets (ROA) | -3.4458% | 4,743 |
| Pretax return on assets | -3.4458% | 4,741 |
| Return on Equity (ROE) | -28.5700% | 4,737 |
| Retained earnings to average equity (ytd only) | -28.5671% | 4,741 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 165.3422% | 35 |
| Assets per employee ($millions) | 6.5251% | 2,298 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0378% | 3,312 |
| 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 | 67.2100% | 1,764 |
| Net loans and leases to deposits | 73.9605% | 2,052 |
| Net loans and leases to core deposits | 76.7753% | 2,133 |
| Total domestic deposits to total assets | 90.8700% | 1,292 |
| Equity capital to assets | 8.3306% | 2,655 |
| Core capital (leverage) ratio | 11.7365% | 1,344 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4288% | 1,894 |
| Memoranda: | ||
| Average total assets | $420,794,500 | 1,963 |
| Average earning assets | $402,016,000 | 1,917 |
| Average equity | $50,756,500 | 1,631 |
| Average total loans | $256,878,250 | 1,908 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9558% | 3,663 |
| Cost of funding earning assets | 0.1411% | 3,698 |
| Net interest margin | 2.8147% | 3,407 |
| Noninterest income to average assets | 1.0341% | 623 |
| Noninterest expense to average assets | 7.3856% | 101 |
| Loan and lease loss provision to assets | 0.8495% | 56 |
| Net operating income to assets | -4.5320% | 4,756 |
| Return on assets (ROA) | -4.5320% | 4,754 |
| Pretax return on assets | -4.5320% | 4,754 |
| Return on Equity (ROE) | -31.9925% | 4,758 |
| Retained earnings to average equity (ytd only) | -31.9925% | 4,747 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 199.4430% | 23 |
| Assets per employee ($millions) | 5.1401% | 3,552 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9940% | 3,624 |
| 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 | 66.6617% | 1,616 |
| Net loans and leases to deposits | 76.5764% | 1,642 |
| Net loans and leases to core deposits | 86.2570% | 1,326 |
| Total domestic deposits to total assets | 87.0525% | 2,918 |
| Equity capital to assets | 12.1254% | 837 |
| Core capital (leverage) ratio | 18.2786% | 261 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6033% | 909 |
| Memoranda: | ||
| Average total assets | $358,781,000 | 2,207 |
| Average earning assets | $340,215,333 | 2,184 |
| Average equity | $50,824,333 | 1,661 |
| Average total loans | $205,125,667 | 2,198 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6699% | 3,998 |
| Cost of funding earning assets | 0.1101% | 4,010 |
| Net interest margin | 2.5598% | 3,758 |
| Noninterest income to average assets | 0.5820% | 1,771 |
| Noninterest expense to average assets | 7.8508% | 93 |
| Loan and lease loss provision to assets | 0.4826% | 102 |
| Net operating income to assets | -5.3465% | 4,785 |
| Return on assets (ROA) | -5.3465% | 4,785 |
| Pretax return on assets | -5.3465% | 4,782 |
| Return on Equity (ROE) | -33.9143% | 4,785 |
| Retained earnings to average equity (ytd only) | -33.9143% | 4,756 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 262.8495% | 18 |
| Assets per employee ($millions) | 4.0078% | 4,399 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1643% | 3,031 |
| 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 | 55.8794% | 2,541 |
| Net loans and leases to deposits | 68.2394% | 2,127 |
| Net loans and leases to core deposits | 75.8409% | 1,792 |
| Total domestic deposits to total assets | 81.8874% | 4,088 |
| Equity capital to assets | 17.0029% | 271 |
| Core capital (leverage) ratio | 19.3213% | 197 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.2406% | 476 |
| Memoranda: | ||
| Average total assets | $301,729,000 | 2,491 |
| Average earning assets | $283,454,500 | 2,486 |
| Average equity | $47,567,000 | 1,802 |
| Average total loans | $148,489,500 | 2,648 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2881% | 4,593 |
| Cost of funding earning assets | 0.1748% | 3,715 |
| Net interest margin | 2.1133% | 4,534 |
| Noninterest income to average assets | 0.1081% | 4,572 |
| Noninterest expense to average assets | 11.9156% | 59 |
| Loan and lease loss provision to assets | 0.3128% | 256 |
| Net operating income to assets | -10.1746% | 4,837 |
| Return on assets (ROA) | -10.1620% | 4,837 |
| Pretax return on assets | -10.1620% | 4,837 |
| Return on Equity (ROE) | -43.7912% | 4,835 |
| Retained earnings to average equity (ytd only) | -43.7912% | 4,831 |
| Net charge-offs to loans | 0.0011% | 2,631 |
| Credit loss provision to net charge-offs | 79,300.0000% | 4 |
| Earnings coverage of net charge-offs (x) | -25,004.0000% | 2,704 |
| Efficiency ratio | 580.1997% | 8 |
| Assets per employee ($millions) | 4.4606% | 4,147 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3152% | 2,292 |
| 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 | 41.1985% | 4,018 |
| Net loans and leases to deposits | 49.0021% | 3,941 |
| Net loans and leases to core deposits | 56.9323% | 3,554 |
| Total domestic deposits to total assets | 84.0750% | 3,540 |
| Equity capital to assets | 14.5030% | 577 |
| Core capital (leverage) ratio | 15.2623% | 430 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.9680% | 561 |
| Memoranda: | ||
| Average total assets | $253,542,000 | 2,700 |
| Average earning assets | $233,424,600 | 2,723 |
| Average equity | $58,836,000 | 1,532 |
| Average total loans | $87,806,000 | 3,367 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2415% | 4,698 |
| Cost of funding earning assets | 0.1872% | 3,741 |
| Net interest margin | 2.0543% | 4,652 |
| Noninterest income to average assets | 0.0892% | 4,706 |
| Noninterest expense to average assets | 9.6927% | 76 |
| Loan and lease loss provision to assets | 0.1288% | 905 |
| Net operating income to assets | -7.8475% | 4,909 |
| Return on assets (ROA) | -7.8299% | 4,909 |
| Pretax return on assets | -7.8299% | 4,909 |
| Return on Equity (ROE) | -30.2426% | 4,902 |
| Retained earnings to average equity (ytd only) | -30.2426% | 4,893 |
| Net charge-offs to loans | 0.0017% | 2,348 |
| Credit loss provision to net charge-offs | 23,400.0000% | 29 |
| Earnings coverage of net charge-offs (x) | -14,022.0000% | 2,462 |
| Efficiency ratio | 491.0206% | 9 |
| Assets per employee ($millions) | 4.2936% | 4,271 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4288% | 1,900 |
| 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 | 28.9762% | 4,616 |
| Net loans and leases to deposits | 37.3980% | 4,532 |
| Net loans and leases to core deposits | 48.2070% | 4,228 |
| Total domestic deposits to total assets | 77.4806% | 4,463 |
| Equity capital to assets | 21.3983% | 146 |
| Core capital (leverage) ratio | 20.4394% | 167 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.3772% | 208 |
| Memoranda: | ||
| Average total assets | $242,211,750 | 2,799 |
| Average earning assets | $222,223,750 | 2,825 |
| Average equity | $62,709,000 | 1,480 |
| Average total loans | $78,565,500 | 3,547 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2956% | 4,727 |
| Cost of funding earning assets | 0.2127% | 3,630 |
| Net interest margin | 2.0829% | 4,662 |
| Noninterest income to average assets | 0.0759% | 4,774 |
| Noninterest expense to average assets | 9.5446% | 77 |
| Loan and lease loss provision to assets | 0.1434% | 844 |
| Net operating income to assets | -7.6794% | 4,948 |
| Return on assets (ROA) | -7.6524% | 4,947 |
| Pretax return on assets | -7.6524% | 4,946 |
| Return on Equity (ROE) | -27.8095% | 4,934 |
| Retained earnings to average equity (ytd only) | -27.8095% | 4,918 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 475.1785% | 9 |
| Assets per employee ($millions) | 5.1429% | 3,520 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4749% | 1,667 |
| 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 | 26.4717% | 4,739 |
| Net loans and leases to deposits | 34.9431% | 4,655 |
| Net loans and leases to core deposits | 48.6048% | 4,298 |
| Total domestic deposits to total assets | 75.7566% | 4,574 |
| Equity capital to assets | 23.6002% | 110 |
| Core capital (leverage) ratio | 24.7985% | 97 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 41.4923% | 119 |
| Memoranda: | ||
| Average total assets | $237,076,333 | 2,828 |
| Average earning assets | $219,981,667 | 2,828 |
| Average equity | $65,236,667 | 1,431 |
| Average total loans | $79,510,667 | 3,558 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4219% | 4,701 |
| Cost of funding earning assets | 0.2522% | 3,454 |
| Net interest margin | 2.1698% | 4,636 |
| Noninterest income to average assets | 0.0775% | 4,773 |
| Noninterest expense to average assets | 10.6218% | 64 |
| Loan and lease loss provision to assets | 0.2044% | 590 |
| Net operating income to assets | -8.7173% | 4,975 |
| Return on assets (ROA) | -8.6539% | 4,975 |
| Pretax return on assets | -8.6539% | 4,974 |
| Return on Equity (ROE) | -29.1032% | 4,966 |
| Retained earnings to average equity (ytd only) | -29.1032% | 4,946 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 503.6759% | 5 |
| Assets per employee ($millions) | 4.5596% | 4,050 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4853% | 1,659 |
| 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 | 28.0738% | 4,746 |
| Net loans and leases to deposits | 39.6137% | 4,580 |
| Net loans and leases to core deposits | 69.8967% | 2,871 |
| Total domestic deposits to total assets | 70.8691% | 4,749 |
| Equity capital to assets | 28.0115% | 72 |
| Core capital (leverage) ratio | 29.0056% | 66 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 51.9372% | 72 |
| Memoranda: | ||
| Average total assets | $227,041,500 | 2,886 |
| Average earning assets | $212,559,000 | 2,873 |
| Average equity | $67,511,500 | 1,389 |
| Average total loans | $84,721,000 | 3,486 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0969% | 4,907 |
| Cost of funding earning assets | 0.1472% | 4,736 |
| Net interest margin | 1.9498% | 4,848 |
| Noninterest income to average assets | 0.0702% | 4,818 |
| Noninterest expense to average assets | 16.4105% | 43 |
| Loan and lease loss provision to assets | 0.5382% | 421 |
| Net operating income to assets | -15.1453% | 5,000 |
| Return on assets (ROA) | -15.1453% | 5,000 |
| Pretax return on assets | -15.1453% | 5,000 |
| Return on Equity (ROE) | -27.4052% | 4,984 |
| Retained earnings to average equity (ytd only) | -27.4052% | 4,975 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 909.9358% | 3 |
| Assets per employee ($millions) | 4.4334% | 3,984 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8126% | 4,398 |
| 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 | 45.8311% | 4,135 |
| Net loans and leases to deposits | 70.6937% | 2,806 |
| Net loans and leases to core deposits | 135.3107% | 157 |
| Total domestic deposits to total assets | 64.8305% | 4,867 |
| Equity capital to assets | 31.4734% | 57 |
| Core capital (leverage) ratio | 38.6260% | 45 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 54.4339% | 64 |
| Memoranda: | ||
| Average total assets | $146,772,000 | 3,436 |
| Average earning assets | $130,478,000 | 3,499 |
| Average equity | $81,112,200 | 1,147 |
| Average total loans | $38,806,800 | 4,332 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0793% | 4,960 |
| Cost of funding earning assets | 0.1280% | 4,861 |
| Net interest margin | 1.9513% | 4,899 |
| Noninterest income to average assets | 0.0725% | 4,845 |
| Noninterest expense to average assets | 18.9314% | 40 |
| Loan and lease loss provision to assets | 0.3435% | 1,113 |
| Net operating income to assets | -17.5050% | 5,032 |
| Return on assets (ROA) | -17.5050% | 5,032 |
| Pretax return on assets | -17.5050% | 5,032 |
| Return on Equity (ROE) | -26.5800% | 5,009 |
| Retained earnings to average equity (ytd only) | -26.5800% | 4,995 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 1,069.6736% | 3 |
| Assets per employee ($millions) | 3.3081% | 4,740 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7366% | 4,511 |
| 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 | 29.6696% | 4,830 |
| Net loans and leases to deposits | 54.3738% | 4,324 |
| Net loans and leases to core deposits | 102.6623% | 999 |
| Total domestic deposits to total assets | 54.5659% | 4,962 |
| Equity capital to assets | 43.4886% | 37 |
| Core capital (leverage) ratio | 52.5808% | 31 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 91.8804% | 39 |
| Memoranda: | ||
| Average total assets | $126,939,500 | 3,660 |
| Average earning assets | $110,419,750 | 3,748 |
| Average equity | $83,599,750 | 1,105 |
| Average total loans | $22,390,000 | 4,703 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2482% | 5,001 |
| Cost of funding earning assets | 0.0957% | 4,974 |
| Net interest margin | 2.1525% | 4,898 |
| Noninterest income to average assets | 0.0830% | 4,828 |
| Noninterest expense to average assets | 21.8412% | 34 |
| Loan and lease loss provision to assets | 0.3790% | 1,096 |
| Net operating income to assets | -20.3106% | 5,066 |
| Return on assets (ROA) | -20.3106% | 5,066 |
| Pretax return on assets | -20.3106% | 5,066 |
| Return on Equity (ROE) | -26.1546% | 5,041 |
| Retained earnings to average equity (ytd only) | -26.1546% | 5,025 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 1,143.7618% | 3 |
| Assets per employee ($millions) | 2.7496% | 4,921 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4152% | 1,535 |
| 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 | 14.1985% | 4,993 |
| Net loans and leases to deposits | 39.5212% | 4,804 |
| Net loans and leases to core deposits | 68.3531% | 3,837 |
| Total domestic deposits to total assets | 35.9262% | 5,028 |
| Equity capital to assets | 61.6280% | 30 |
| Core capital (leverage) ratio | 70.5293% | 24 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 147.8968% | 22 |
| Memoranda: | ||
| Average total assets | $110,809,000 | 3,856 |
| Average earning assets | $94,032,000 | 3,970 |
| Average equity | $86,050,000 | 1,078 |
| Average total loans | $12,384,667 | 4,913 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1773% | 5,073 |
| Cost of funding earning assets | 0.1057% | 5,036 |
| Net interest margin | 2.0716% | 5,000 |
| Noninterest income to average assets | 0.0878% | 4,872 |
| Noninterest expense to average assets | 23.4595% | 36 |
| Loan and lease loss provision to assets | 0.5907% | 476 |
| Net operating income to assets | -22.2422% | 5,114 |
| Return on assets (ROA) | -22.2422% | 5,113 |
| Pretax return on assets | -22.2422% | 5,113 |
| Return on Equity (ROE) | -25.2152% | 5,072 |
| Retained earnings to average equity (ytd only) | -25.2152% | 5,007 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 1,297.5717% | 2 |
| Assets per employee ($millions) | 1.6434% | 5,049 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5371% | 1,230 |
| 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 | 13.2269% | 5,045 |
| Net loans and leases to deposits | 99.6618% | 578 |
| Net loans and leases to core deposits | 99.6618% | 1,500 |
| Total domestic deposits to total assets | 13.2718% | 5,095 |
| Equity capital to assets | 86.0818% | 20 |
| Core capital (leverage) ratio | 85.5619% | 23 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 198.5285% | 19 |
| Memoranda: | ||
| Average total assets | $100,224,000 | 3,990 |
| Average earning assets | $83,222,000 | 4,122 |
| Average equity | $88,407,000 | 1,047 |
| Average total loans | $9,073,000 | 5,008 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6962% | 5,153 |
| Cost of funding earning assets | 0.0607% | 5,139 |
| Net interest margin | 1.6355% | 5,130 |
| Noninterest income to average assets | 0.0437% | 5,048 |
| Noninterest expense to average assets | 28.5830% | 29 |
| Loan and lease loss provision to assets | 0.0600% | 2,840 |
| Net operating income to assets | -27.1742% | 5,177 |
| Return on assets (ROA) | -27.1742% | 5,177 |
| Pretax return on assets | -27.1742% | 5,177 |
| Return on Equity (ROE) | -29.0396% | 5,164 |
| Retained earnings to average equity (ytd only) | -29.0396% | 5,157 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 1,945.9834% | 2 |
| Assets per employee ($millions) | 1.5660% | 5,111 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2610% | 2,114 |
| 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 | 4.6098% | 5,136 |
| Net loans and leases to deposits | 60.4238% | 4,268 |
| Net loans and leases to core deposits | 60.4238% | 4,421 |
| Total domestic deposits to total assets | 7.6291% | 5,158 |
| Equity capital to assets | 90.5678% | 16 |
| Core capital (leverage) ratio | 88.8881% | 17 |
| Tier 1 risk-based capital ratio | 258.0871% | 20 |
| Total risk-based capital ratio | 258.2945% | 20 |
| Memoranda: | ||
| Average total assets | $98,310,333 | 4,026 |
| Average earning assets | $85,659,667 | 4,103 |
| Average equity | $91,995,000 | 961 |
| Average total loans | $1,559,667 | 5,142 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3536% | 5,244 |
| Cost of funding earning assets | 0.0337% | 5,230 |
| Net interest margin | 1.3199% | 5,229 |
| Noninterest income to average assets | 0.0329% | 5,146 |
| Noninterest expense to average assets | 29.9214% | 28 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | -28.7080% | 5,256 |
| Return on assets (ROA) | -28.7080% | 5,256 |
| Pretax return on assets | -28.7080% | 5,256 |
| Return on Equity (ROE) | -30.1793% | 5,240 |
| Retained earnings to average equity (ytd only) | -30.1793% | 5,227 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 2,465.9142% | 1 |
| Assets per employee ($millions) | 2.4185% | 5,096 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| 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% | 4,789 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,226 |
| Net loans and leases to deposits | 0.0000% | 5,226 |
| Net loans and leases to core deposits | 0.0000% | 5,215 |
| Total domestic deposits to total assets | 7.7806% | 5,239 |
| Equity capital to assets | 91.2644% | 12 |
| Core capital (leverage) ratio | 89.0542% | 18 |
| Tier 1 risk-based capital ratio | 369.2057% | 13 |
| Total risk-based capital ratio | 369.2301% | 13 |
| Memoranda: | ||
| Average total assets | $97,355,000 | 4,086 |
| Average earning assets | $87,075,500 | 4,132 |
| Average equity | $92,608,500 | 956 |
| Average total loans | NA | NA |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.7180% | 5,297 |
| Cost of funding earning assets | 0.0000% | 5,294 |
| Net interest margin | 0.7180% | 5,294 |
| Noninterest income to average assets | 0.0000% | 5,250 |
| Noninterest expense to average assets | 33.9415% | 27 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | -33.3031% | 5,303 |
| Return on assets (ROA) | -33.3031% | 5,303 |
| Pretax return on assets | -33.3031% | 5,303 |
| Return on Equity (ROE) | -33.5943% | 5,290 |
| Retained earnings to average equity (ytd only) | -33.5943% | 5,278 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 5,316.3399% | 1 |
| Assets per employee ($millions) | 2.0839% | 5,199 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| 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% | 4,834 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,274 |
| Net loans and leases to deposits | 0.0000% | 5,274 |
| Net loans and leases to core deposits | 0.0000% | 5,263 |
| Total domestic deposits to total assets | 0.0250% | 5,312 |
| Equity capital to assets | 99.1331% | 2 |
| Core capital (leverage) ratio | 96.0329% | 9 |
| Tier 1 risk-based capital ratio | 396.3550% | 9 |
| Total risk-based capital ratio | 396.3550% | 9 |
| Memoranda: | ||
| Average total assets | $95,859,000 | 4,129 |
| Average earning assets | $85,238,000 | 4,191 |
| Average equity | $95,028,000 | 935 |
| Average total loans | NA | NA |