Home > GS&L Municipal Bank > Performance and Condition Ratios
GS&L Municipal 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 | 5.0321% | 3,062 |
| Cost of funding earning assets | 0.6186% | 4,238 |
| Net interest margin | 4.4135% | 720 |
| Noninterest income to average assets | 0.0000% | 4,395 |
| Noninterest expense to average assets | 0.3359% | 4,422 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 2.0697% | 411 |
| Return on assets (ROA) | 2.0697% | 417 |
| Pretax return on assets | 2.5248% | 307 |
| Return on Equity (ROE) | 5.5100% | 3,444 |
| Retained earnings to average equity (ytd only) | 5.5141% | 2,422 |
| Net charge-offs to loans | 0.0000% | 2,326 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 11.7424% | 4,446 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,373 |
| 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 | 0.0000% | 4,354 |
| Net loans and leases to deposits | 0.0000% | 4,363 |
| Net loans and leases to core deposits | 0.0000% | 4,352 |
| Total domestic deposits to total assets | 62.6400% | 4,292 |
| Equity capital to assets | 36.2366% | 144 |
| Core capital (leverage) ratio | 36.9884% | 100 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 83.7841% | 75 |
| Memoranda: | ||
| Average total assets | $36,913,500 | 4,310 |
| Average earning assets | $23,926,500 | 4,337 |
| Average equity | $13,855,500 | 3,468 |
| Average total loans | $0 | 4,354 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.0000% | 4,492 |
| Cost of funding earning assets | 0.0000% | 4,414 |
| Net interest margin | 0.0000% | 4,448 |
| Noninterest income to average assets | 0.0000% | 4,443 |
| Noninterest expense to average assets | 0.0000% | 4,477 |
| Loan and lease loss provision to assets | NA | NA |
| Net operating income to assets | NA | NA |
| Return on assets (ROA) | 2.1070% | 339 |
| Pretax return on assets | 2.5352% | 288 |
| Return on Equity (ROE) | 5.4600% | 3,405 |
| Retained earnings to average equity (ytd only) | 0.0000% | 3,901 |
| Net charge-offs to loans | 0.0000% | 3,099 |
| Credit loss provision to net charge-offs | 4.0000% | 2,527 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 0.0000% | 4,474 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 187.0000% | 41 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | NA | NA |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | NA | NA |
| Net loans and leases to deposits | 0.0000% | 4,387 |
| Net loans and leases to core deposits | 0.0000% | 4,400 |
| Total domestic deposits to total assets | 0.0186% | 4,444 |
| Equity capital to assets | 12,834.0000% | 41 |
| Core capital (leverage) ratio | 0.0000% | 4,462 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $132,000 | 4,509 |
| Average earning assets | $798 | 4,491 |
| Average equity | $0 | 4,450 |
| Average total loans | NA | NA |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3138% | 4,044 |
| Cost of funding earning assets | 0.5151% | 4,336 |
| Net interest margin | 3.7987% | 1,452 |
| Noninterest income to average assets | 0.0000% | 4,470 |
| Noninterest expense to average assets | 0.3009% | 4,477 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 2.1797% | 332 |
| Return on assets (ROA) | 2.2208% | 320 |
| Pretax return on assets | 2.6703% | 273 |
| Return on Equity (ROE) | 5.7700% | 3,370 |
| Retained earnings to average equity (ytd only) | 5.7732% | 2,178 |
| Net charge-offs to loans | 0.0000% | 2,849 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 10.2999% | 4,507 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,432 |
| 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 | 0.0000% | 4,409 |
| Net loans and leases to deposits | 0.0000% | 4,418 |
| Net loans and leases to core deposits | 0.0000% | 4,405 |
| Total domestic deposits to total assets | 59.7900% | 4,365 |
| Equity capital to assets | 39.1043% | 137 |
| Core capital (leverage) ratio | 40.2243% | 92 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 97.4789% | 67 |
| Memoranda: | ||
| Average total assets | $35,002,000 | 4,362 |
| Average earning assets | $26,920,500 | 4,370 |
| Average equity | $13,464,250 | 3,475 |
| Average total loans | $0 | 4,410 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4048% | 3,910 |
| Cost of funding earning assets | 0.4822% | 4,355 |
| Net interest margin | 3.9226% | 1,229 |
| Noninterest income to average assets | 0.0000% | 4,488 |
| Noninterest expense to average assets | 0.3513% | 4,495 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 2.3219% | 287 |
| Return on assets (ROA) | 2.3841% | 268 |
| Pretax return on assets | 2.8621% | 231 |
| Return on Equity (ROE) | 6.2300% | 3,213 |
| Retained earnings to average equity (ytd only) | 6.2332% | 1,923 |
| Net charge-offs to loans | 0.0000% | 2,619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 11.1927% | 4,523 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,450 |
| 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 | 0.0000% | 4,430 |
| Net loans and leases to deposits | 0.0000% | 4,441 |
| Net loans and leases to core deposits | 0.0000% | 4,455 |
| Total domestic deposits to total assets | 56.0200% | 4,389 |
| Equity capital to assets | 42.9058% | 137 |
| Core capital (leverage) ratio | 46.2178% | 88 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 152.5605% | 50 |
| Memoranda: | ||
| Average total assets | $34,730,333 | 4,386 |
| Average earning assets | $27,787,667 | 4,385 |
| Average equity | $13,283,667 | 3,474 |
| Average total loans | $0 | 4,430 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7329% | 3,264 |
| Cost of funding earning assets | 0.4527% | 4,382 |
| Net interest margin | 4.2802% | 766 |
| Noninterest income to average assets | 0.0000% | 4,505 |
| Noninterest expense to average assets | 0.3284% | 4,524 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 2.5615% | 229 |
| Return on assets (ROA) | 2.5615% | 228 |
| Pretax return on assets | 3.0870% | 202 |
| Return on Equity (ROE) | 7.0600% | 2,945 |
| Retained earnings to average equity (ytd only) | 7.0634% | 1,819 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 9.6154% | 4,526 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,440 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,894 |
| Noncurrent loans to loans | 0.0000% | 3,844 |
| Net loans and leases to total assets | 0.0000% | 4,458 |
| Net loans and leases to deposits | 0.0000% | 4,457 |
| Net loans and leases to core deposits | 0.0000% | 4,479 |
| Total domestic deposits to total assets | 65.3800% | 4,374 |
| Equity capital to assets | 33.8752% | 147 |
| Core capital (leverage) ratio | 39.7701% | 93 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 120.4499% | 61 |
| Memoranda: | ||
| Average total assets | $36,540,500 | 4,407 |
| Average earning assets | $29,157,500 | 4,410 |
| Average equity | $13,251,500 | 3,480 |
| Average total loans | $0 | 4,458 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1140% | 3,771 |
| Cost of funding earning assets | 0.1333% | 4,472 |
| Net interest margin | 3.9808% | 1,237 |
| Noninterest income to average assets | 0.0400% | 4,460 |
| Noninterest expense to average assets | 0.4207% | 4,540 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 2.5064% | 234 |
| Return on assets (ROA) | 2.5064% | 230 |
| Pretax return on assets | 3.0206% | 201 |
| Return on Equity (ROE) | 6.8100% | 3,323 |
| Retained earnings to average equity (ytd only) | 6.8060% | 1,954 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 12.2241% | 4,544 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,458 |
| 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 | 0.0000% | 4,475 |
| Net loans and leases to deposits | 0.0000% | 4,474 |
| Net loans and leases to core deposits | 0.0000% | 4,493 |
| Total domestic deposits to total assets | 60.2400% | 4,436 |
| Equity capital to assets | 39.0282% | 140 |
| Core capital (leverage) ratio | 39.1532% | 95 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 184.8084% | 46 |
| Memoranda: | ||
| Average total assets | $34,231,800 | 4,437 |
| Average earning assets | $29,265,600 | 4,422 |
| Average equity | $12,606,600 | 3,477 |
| Average total loans | $0 | 4,477 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1238% | 3,618 |
| Cost of funding earning assets | 0.0867% | 4,513 |
| Net interest margin | 4.0371% | 1,165 |
| Noninterest income to average assets | 0.0500% | 4,454 |
| Noninterest expense to average assets | 0.4352% | 4,563 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 2.5333% | 263 |
| Return on assets (ROA) | 2.5333% | 257 |
| Pretax return on assets | 3.0539% | 222 |
| Return on Equity (ROE) | 6.9800% | 3,437 |
| Retained earnings to average equity (ytd only) | 6.9819% | 2,292 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 12.4722% | 4,573 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,482 |
| 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 | 0.0000% | 4,500 |
| Net loans and leases to deposits | 0.0000% | 4,499 |
| Net loans and leases to core deposits | 0.0000% | 4,490 |
| Total domestic deposits to total assets | 56.0200% | 4,480 |
| Equity capital to assets | 36.0399% | 150 |
| Core capital (leverage) ratio | 37.4441% | 101 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 245.8192% | 37 |
| Memoranda: | ||
| Average total assets | $34,315,750 | 4,456 |
| Average earning assets | $29,228,250 | 4,446 |
| Average equity | $12,451,000 | 3,482 |
| Average total loans | $0 | 4,502 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0934% | 3,507 |
| Cost of funding earning assets | 0.0744% | 4,534 |
| Net interest margin | 4.0189% | 1,207 |
| Noninterest income to average assets | 0.1600% | 3,996 |
| Noninterest expense to average assets | 0.4542% | 4,593 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 2.6262% | 215 |
| Return on assets (ROA) | 2.6262% | 211 |
| Pretax return on assets | 3.1678% | 180 |
| Return on Equity (ROE) | 7.2200% | 3,433 |
| Retained earnings to average equity (ytd only) | 7.2220% | 2,220 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 12.5402% | 4,596 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,517 |
| 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 | 0.0000% | 4,533 |
| Net loans and leases to deposits | 0.0000% | 4,532 |
| Net loans and leases to core deposits | 0.0000% | 4,550 |
| Total domestic deposits to total assets | 55.3100% | 4,509 |
| Equity capital to assets | 36.5253% | 142 |
| Core capital (leverage) ratio | 37.2270% | 98 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 251.7728% | 32 |
| Memoranda: | ||
| Average total assets | $34,345,667 | 4,484 |
| Average earning assets | $29,560,000 | 4,473 |
| Average equity | $12,489,667 | 3,491 |
| Average total loans | $0 | 4,533 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1096% | 3,237 |
| Cost of funding earning assets | 0.0798% | 4,557 |
| Net interest margin | 4.0298% | 1,211 |
| Noninterest income to average assets | 0.0000% | 4,636 |
| Noninterest expense to average assets | 0.4779% | 4,664 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 2.5412% | 231 |
| Return on assets (ROA) | 2.5412% | 230 |
| Pretax return on assets | 3.0541% | 192 |
| Return on Equity (ROE) | 7.0000% | 3,519 |
| Retained earnings to average equity (ytd only) | 7.0037% | 2,494 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 13.5314% | 4,663 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,580 |
| 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 | 0.0000% | 4,605 |
| Net loans and leases to deposits | 0.0000% | 4,604 |
| Net loans and leases to core deposits | 0.0000% | 4,587 |
| Total domestic deposits to total assets | 59.9000% | 4,543 |
| Equity capital to assets | 36.7187% | 102 |
| Core capital (leverage) ratio | 36.8478% | 105 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 135.5677% | 50 |
| Memoranda: | ||
| Average total assets | $34,314,000 | 4,550 |
| Average earning assets | $30,076,000 | 4,534 |
| Average equity | $12,450,500 | 3,531 |
| Average total loans | $0 | 4,605 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.1766% | 4,678 |
| Cost of funding earning assets | 0.0163% | 4,631 |
| Net interest margin | 1.1604% | 4,662 |
| Noninterest income to average assets | 0.0000% | 4,670 |
| Noninterest expense to average assets | 0.0550% | 4,705 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.8245% | 3,238 |
| Return on assets (ROA) | 0.8245% | 3,172 |
| Pretax return on assets | 0.9779% | 3,136 |
| Return on Equity (ROE) | 2.3400% | 4,354 |
| Retained earnings to average equity (ytd only) | 2.3372% | 3,907 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 5.3221% | 4,706 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,606 |
| 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 | 0.0000% | 4,635 |
| Net loans and leases to deposits | 0.0000% | 4,634 |
| Net loans and leases to core deposits | 0.0000% | 4,617 |
| Total domestic deposits to total assets | 63.9900% | 4,544 |
| Equity capital to assets | 35.8456% | 105 |
| Core capital (leverage) ratio | 36.5294% | 108 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 195.3836% | 44 |
| Memoranda: | ||
| Average total assets | $34,565,000 | 4,581 |
| Average earning assets | $30,765,500 | 4,562 |
| Average equity | $12,194,000 | 3,652 |
| Average total loans | $0 | 4,639 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.2011% | 4,740 |
| Cost of funding earning assets | 0.0000% | 4,686 |
| Net interest margin | 0.2011% | 4,739 |
| Noninterest income to average assets | 0.0000% | 4,708 |
| Noninterest expense to average assets | 0.0000% | 4,746 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.1678% | 4,500 |
| Return on assets (ROA) | 0.1678% | 4,470 |
| Pretax return on assets | 0.1792% | 4,477 |
| Return on Equity (ROE) | 0.4800% | 4,532 |
| Retained earnings to average equity (ytd only) | 0.4832% | 4,273 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 0.0000% | 4,746 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,653 |
| 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 | 0.0000% | 4,679 |
| Net loans and leases to deposits | 0.0000% | 4,678 |
| Net loans and leases to core deposits | 0.0000% | 4,661 |
| Total domestic deposits to total assets | 65.2600% | 4,588 |
| Equity capital to assets | 34.7243% | 102 |
| Core capital (leverage) ratio | 35.6692% | 104 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 136.0940% | 54 |
| Memoranda: | ||
| Average total assets | $34,964,000 | 4,612 |
| Average earning assets | $31,166,000 | 4,595 |
| Average equity | $12,141,000 | 3,698 |
| Average total loans | $0 | 4,681 |