Home > Legacy Bank > Performance and Condition Ratios
Legacy Bank, Performance and Condition Ratios
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 2 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5224% | 236 |
| Cost of funding earning assets | 2.4982% | 1,155 |
| Net interest margin | 5.0242% | 326 |
| Noninterest income to average assets | 0.9400% | 685 |
| Noninterest expense to average assets | 10.3311% | 113 |
| Loan and lease loss provision to assets | 0.4400% | 248 |
| Net operating income to assets | -5.0638% | 4,454 |
| Return on assets (ROA) | -5.0638% | 4,492 |
| Pretax return on assets | -5.0624% | 4,493 |
| Return on Equity (ROE) | -26.4700% | 4,464 |
| Retained earnings to average equity (ytd only) | -26.4729% | 4,483 |
| Net charge-offs to loans | 0.0148% | 2,370 |
| Credit loss provision to net charge-offs | 4,200.0000% | 124 |
| Earnings coverage of net charge-offs (x) | -451.4286% | 4,512 |
| Efficiency ratio | 181.0880% | 58 |
| Assets per employee ($millions) | 2.1981% | 4,344 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1780% | 2,279 |
| Loan loss allowance to noncurrent loans | 101.3850% | 2,959 |
| Noncurrent assets plus other real estate owned to assets | 0.9661% | 703 |
| Noncurrent loans to loans | 1.1619% | 864 |
| Net loans and leases to total assets | 82.1700% | 420 |
| Net loans and leases to deposits | 108.6502% | 197 |
| Net loans and leases to core deposits | 132.9149% | 333 |
| Total domestic deposits to total assets | 75.6200% | 3,979 |
| Equity capital to assets | 15.4033% | 519 |
| Core capital (leverage) ratio | 16.4152% | 436 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $68,308,000 | 4,062 |
| Average earning assets | $64,726,600 | 4,027 |
| Average equity | $13,066,200 | 3,512 |
| Average total loans | $47,227,200 | 3,858 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4159% | 252 |
| Cost of funding earning assets | 2.4614% | 1,245 |
| Net interest margin | 4.9545% | 352 |
| Noninterest income to average assets | 0.3500% | 2,719 |
| Noninterest expense to average assets | 10.7282% | 103 |
| Loan and lease loss provision to assets | 0.3900% | 256 |
| Net operating income to assets | -6.0667% | 4,496 |
| Return on assets (ROA) | -6.0667% | 4,529 |
| Pretax return on assets | -6.0647% | 4,531 |
| Return on Equity (ROE) | -30.0800% | 4,499 |
| Retained earnings to average equity (ytd only) | -30.0754% | 4,513 |
| Net charge-offs to loans | 0.0000% | 2,849 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 212.4703% | 49 |
| Assets per employee ($millions) | 2.0966% | 4,377 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2585% | 1,896 |
| Loan loss allowance to noncurrent loans | 89.0582% | 3,132 |
| Noncurrent assets plus other real estate owned to assets | 1.0435% | 630 |
| Noncurrent loans to loans | 1.4131% | 695 |
| Net loans and leases to total assets | 72.9200% | 1,493 |
| Net loans and leases to deposits | 91.0929% | 1,137 |
| Net loans and leases to core deposits | 110.2949% | 926 |
| Total domestic deposits to total assets | 80.0500% | 3,454 |
| Equity capital to assets | 17.2513% | 392 |
| Core capital (leverage) ratio | 17.8989% | 342 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $66,700,750 | 4,097 |
| Average earning assets | $63,267,500 | 4,059 |
| Average equity | $13,454,750 | 3,479 |
| Average total loans | $43,499,000 | 3,926 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 2 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3226% | 268 |
| Cost of funding earning assets | 2.4302% | 1,204 |
| Net interest margin | 4.8924% | 377 |
| Noninterest income to average assets | 0.0600% | 4,367 |
| Noninterest expense to average assets | 10.4567% | 109 |
| Loan and lease loss provision to assets | 0.1500% | 771 |
| Net operating income to assets | -5.8963% | 4,510 |
| Return on assets (ROA) | -5.8963% | 4,548 |
| Pretax return on assets | -5.8933% | 4,549 |
| Return on Equity (ROE) | -27.8200% | 4,510 |
| Retained earnings to average equity (ytd only) | -27.8204% | 4,522 |
| Net charge-offs to loans | 0.0000% | 2,619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 221.7643% | 50 |
| Assets per employee ($millions) | 2.4801% | 4,378 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1093% | 2,739 |
| 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 | 62.6000% | 2,694 |
| Net loans and leases to deposits | 78.5817% | 2,323 |
| Net loans and leases to core deposits | 112.0901% | 892 |
| Total domestic deposits to total assets | 79.6600% | 3,503 |
| Equity capital to assets | 18.1150% | 339 |
| Core capital (leverage) ratio | 19.1851% | 289 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $65,871,333 | 4,120 |
| Average earning assets | $62,627,667 | 4,079 |
| Average equity | $13,961,000 | 3,403 |
| Average total loans | $40,967,667 | 3,973 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3715% | 242 |
| Cost of funding earning assets | 2.2836% | 1,375 |
| Net interest margin | 5.0879% | 289 |
| Noninterest income to average assets | 0.0600% | 4,368 |
| Noninterest expense to average assets | 11.5459% | 105 |
| Loan and lease loss provision to assets | 0.2900% | 317 |
| Net operating income to assets | -6.9250% | 4,577 |
| Return on assets (ROA) | -6.9250% | 4,577 |
| Pretax return on assets | -6.9250% | 4,577 |
| Return on Equity (ROE) | -30.1700% | 4,542 |
| Retained earnings to average equity (ytd only) | -30.1657% | 4,485 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 235.2789% | 17 |
| Assets per employee ($millions) | 2.2691% | 4,415 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1325% | 2,644 |
| 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 | 66.0900% | 2,228 |
| Net loans and leases to deposits | 87.5344% | 1,403 |
| Net loans and leases to core deposits | 117.5621% | 706 |
| Total domestic deposits to total assets | 75.5000% | 4,022 |
| Equity capital to assets | 21.8509% | 233 |
| Core capital (leverage) ratio | 21.9442% | 203 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $62,845,000 | 4,169 |
| Average earning assets | $59,906,500 | 4,137 |
| Average equity | $14,427,000 | 3,364 |
| Average total loans | $38,688,500 | 4,016 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3037% | 434 |
| Cost of funding earning assets | 1.9587% | 979 |
| Net interest margin | 4.3450% | 753 |
| Noninterest income to average assets | 0.1900% | 3,826 |
| Noninterest expense to average assets | 12.7011% | 97 |
| Loan and lease loss provision to assets | 0.6200% | 130 |
| Net operating income to assets | -8.9754% | 4,602 |
| Return on assets (ROA) | -8.9754% | 4,601 |
| Pretax return on assets | -8.9734% | 4,601 |
| Return on Equity (ROE) | -26.8900% | 4,560 |
| Retained earnings to average equity (ytd only) | -26.8868% | 4,542 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 292.3725% | 11 |
| Assets per employee ($millions) | 2.0050% | 4,449 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2749% | 1,902 |
| 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 | 55.4400% | 3,240 |
| Net loans and leases to deposits | 75.6509% | 2,486 |
| Net loans and leases to core deposits | 99.7944% | 1,449 |
| Total domestic deposits to total assets | 73.2800% | 4,149 |
| Equity capital to assets | 24.0866% | 206 |
| Core capital (leverage) ratio | 24.0420% | 175 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $51,908,800 | 4,304 |
| Average earning assets | $49,574,400 | 4,259 |
| Average equity | $17,328,200 | 3,068 |
| Average total loans | $21,216,800 | 4,277 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7078% | 777 |
| Cost of funding earning assets | 1.8159% | 985 |
| Net interest margin | 3.8919% | 1,421 |
| Noninterest income to average assets | 0.1800% | 3,904 |
| Noninterest expense to average assets | 12.7907% | 94 |
| Loan and lease loss provision to assets | 0.6000% | 124 |
| Net operating income to assets | -9.4944% | 4,625 |
| Return on assets (ROA) | -9.4944% | 4,625 |
| Pretax return on assets | -9.4917% | 4,624 |
| Return on Equity (ROE) | -26.1500% | 4,586 |
| Retained earnings to average equity (ytd only) | -26.1488% | 4,568 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 328.0665% | 12 |
| Assets per employee ($millions) | 2.1080% | 4,466 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0872% | 2,923 |
| 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 | 45.8900% | 3,838 |
| Net loans and leases to deposits | 63.2026% | 3,315 |
| Net loans and leases to core deposits | 75.7735% | 2,883 |
| Total domestic deposits to total assets | 72.6100% | 4,231 |
| Equity capital to assets | 25.4843% | 191 |
| Core capital (leverage) ratio | 26.7219% | 139 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $49,347,250 | 4,337 |
| Average earning assets | $47,139,250 | 4,297 |
| Average equity | $17,917,500 | 3,009 |
| Average total loans | $17,795,000 | 4,345 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2955% | 1,087 |
| Cost of funding earning assets | 1.5478% | 1,162 |
| Net interest margin | 3.7477% | 1,720 |
| Noninterest income to average assets | 0.1600% | 3,996 |
| Noninterest expense to average assets | 13.5878% | 88 |
| Loan and lease loss provision to assets | 0.3000% | 309 |
| Net operating income to assets | -10.1573% | 4,656 |
| Return on assets (ROA) | -10.1573% | 4,656 |
| Pretax return on assets | -10.1528% | 4,656 |
| Return on Equity (ROE) | -24.5300% | 4,617 |
| Retained earnings to average equity (ytd only) | -24.5275% | 4,592 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 364.2686% | 7 |
| Assets per employee ($millions) | 2.0038% | 4,503 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8559% | 3,885 |
| 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 | 30.9700% | 4,308 |
| Net loans and leases to deposits | 50.8606% | 3,887 |
| Net loans and leases to core deposits | 53.4087% | 3,912 |
| Total domestic deposits to total assets | 60.8900% | 4,480 |
| Equity capital to assets | 30.9402% | 156 |
| Core capital (leverage) ratio | 31.8619% | 111 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $44,716,667 | 4,397 |
| Average earning assets | $42,640,000 | 4,365 |
| Average equity | $18,518,000 | 2,984 |
| Average total loans | $13,946,333 | 4,413 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4120% | 2,524 |
| Cost of funding earning assets | 0.7659% | 2,855 |
| Net interest margin | 3.6461% | 2,020 |
| Noninterest income to average assets | 0.0600% | 4,506 |
| Noninterest expense to average assets | 14.3712% | 88 |
| Loan and lease loss provision to assets | 0.0700% | 1,437 |
| Net operating income to assets | -10.9168% | 4,683 |
| Return on assets (ROA) | -10.9168% | 4,683 |
| Pretax return on assets | -10.9168% | 4,683 |
| Return on Equity (ROE) | -22.3100% | 4,636 |
| Retained earnings to average equity (ytd only) | -22.3066% | 4,606 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 407.5581% | 5 |
| Assets per employee ($millions) | 1.9660% | 4,575 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2471% | 2,311 |
| 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 | 26.1800% | 4,443 |
| Net loans and leases to deposits | 51.4558% | 3,820 |
| Net loans and leases to core deposits | 51.4558% | 3,937 |
| Total domestic deposits to total assets | 50.8800% | 4,573 |
| Equity capital to assets | 39.3460% | 99 |
| Core capital (leverage) ratio | 56.8067% | 79 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $39,022,500 | 4,509 |
| Average earning assets | $37,080,500 | 4,478 |
| Average equity | $19,097,500 | 2,965 |
| Average total loans | $12,156,500 | 4,499 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7451% | 4,635 |
| Cost of funding earning assets | 0.1526% | 4,106 |
| Net interest margin | 1.5925% | 4,622 |
| Noninterest income to average assets | 0.0900% | 4,461 |
| Noninterest expense to average assets | 11.6707% | 98 |
| Loan and lease loss provision to assets | 0.5300% | 108 |
| Net operating income to assets | -10.5867% | 4,720 |
| Return on assets (ROA) | -10.5867% | 4,720 |
| Pretax return on assets | -10.5831% | 4,720 |
| Return on Equity (ROE) | -12.8900% | 4,674 |
| Retained earnings to average equity (ytd only) | -12.8923% | 4,659 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 720.9251% | 8 |
| Assets per employee ($millions) | 1.5431% | 4,621 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2623% | 2,084 |
| 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 | 37.7700% | 4,151 |
| Net loans and leases to deposits | 174.1372% | 9 |
| Net loans and leases to core deposits | 174.1372% | 47 |
| Total domestic deposits to total assets | 21.6900% | 4,636 |
| Equity capital to assets | 63.6078% | 75 |
| Core capital (leverage) ratio | 67.9615% | 67 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $28,044,667 | 4,618 |
| Average earning assets | $26,876,000 | 4,584 |
| Average equity | $23,029,333 | 2,702 |
| Average total loans | $4,873,333 | 4,622 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.8370% | 4,718 |
| Cost of funding earning assets | 0.0310% | 4,638 |
| Net interest margin | 0.8060% | 4,716 |
| Noninterest income to average assets | 0.0200% | 4,670 |
| Noninterest expense to average assets | 9.4855% | 110 |
| Loan and lease loss provision to assets | 0.1800% | 519 |
| Net operating income to assets | -8.8698% | 4,759 |
| Return on assets (ROA) | -8.8698% | 4,759 |
| Pretax return on assets | -8.8648% | 4,758 |
| Return on Equity (ROE) | -9.5500% | 4,697 |
| Retained earnings to average equity (ytd only) | -9.5540% | 4,672 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 1,191.8239% | 4 |
| Assets per employee ($millions) | 1.3276% | 4,669 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2429% | 2,302 |
| 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 | 9.9800% | 4,646 |
| Net loans and leases to deposits | 78.8265% | 1,653 |
| Net loans and leases to core deposits | 78.8265% | 1,985 |
| Total domestic deposits to total assets | 12.6500% | 4,685 |
| Equity capital to assets | 86.8683% | 42 |
| Core capital (leverage) ratio | 91.9089% | 36 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 404.1493% | 20 |
| Memoranda: | ||
| Average total assets | $26,636,500 | 4,667 |
| Average earning assets | $25,804,500 | 4,629 |
| Average equity | $24,729,000 | 2,636 |
| Average total loans | $1,408,000 | 4,674 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.1387% | 4,767 |
| Cost of funding earning assets | 0.0000% | 4,753 |
| Net interest margin | 0.1387% | 4,766 |
| Noninterest income to average assets | 0.0000% | 4,732 |
| Noninterest expense to average assets | 6.0329% | 127 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | -5.9069% | 4,759 |
| Return on assets (ROA) | -5.9069% | 4,757 |
| Pretax return on assets | -5.8990% | 4,756 |
| Return on Equity (ROE) | -5.9429% | 4,691 |
| Retained earnings to average equity (ytd only) | -5.9429% | 4,569 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 4,505.8824% | 3 |
| Assets per employee ($millions) | 1.8139% | 4,704 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| 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% | 4,093 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 4,740 |
| Net loans and leases to deposits | 0.0000% | 4,740 |
| Net loans and leases to core deposits | 0.0000% | 4,730 |
| Total domestic deposits to total assets | 0.4922% | 4,773 |
| Equity capital to assets | 99.3936% | 1 |
| Core capital (leverage) ratio | 425.9916% | 1 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 470.9834% | 3 |
| Memoranda: | ||
| Average total assets | $25,394,000 | 4,714 |
| Average earning assets | $24,522,000 | 4,687 |
| Average equity | $25,240,000 | 2,666 |
| Average total loans | NA | NA |