| 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 | 5.2914% | 1,508 |
| Cost of funding earning assets | 2.2982% | 547 |
| Net interest margin | 2.9932% | 3,299 |
| Noninterest income to average assets | 0.0600% | 4,411 |
| Noninterest expense to average assets | 2.9547% | 1,183 |
| Loan and lease loss provision to assets | 0.1100% | 1,180 |
| Net operating income to assets | 0.2065% | 4,160 |
| Return on assets (ROA) | 0.2065% | 4,172 |
| Pretax return on assets | -0.1208% | 4,409 |
| Return on Equity (ROE) | 2.5500% | 4,092 |
| Retained earnings to average equity (ytd only) | 2.5539% | 3,426 |
| 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 | 100.4649% | 183 |
| Assets per employee ($millions) | 11.8098% | 432 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1493% | 2,551 |
| Loan loss allowance to noncurrent loans | 663.2997% | 1,187 |
| Noncurrent assets plus other real estate owned to assets | 0.1257% | 2,705 |
| Noncurrent loans to loans | 0.1733% | 2,653 |
| Net loans and leases to total assets | 71.7400% | 1,612 |
| Net loans and leases to deposits | 79.1953% | 2,173 |
| Net loans and leases to core deposits | 101.4416% | 1,359 |
| Total domestic deposits to total assets | 90.5800% | 609 |
| Equity capital to assets | 8.4773% | 3,071 |
| Core capital (leverage) ratio | 9.0976% | 3,653 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6405% | 2,365 |
| Memoranda: |
| Average total assets | $219,414,600 | 2,851 |
| Average earning assets | $210,947,000 | 2,800 |
| Average equity | $17,737,600 | 3,036 |
| Average total loans | $158,285,200 | 2,613 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1570% | 1,531 |
| Cost of funding earning assets | 2.2170% | 476 |
| Net interest margin | 2.9400% | 3,454 |
| Noninterest income to average assets | 0.0700% | 4,402 |
| Noninterest expense to average assets | 2.7153% | 1,617 |
| Loan and lease loss provision to assets | 0.0800% | 1,428 |
| Net operating income to assets | 0.0942% | 4,322 |
| Return on assets (ROA) | 0.0942% | 4,344 |
| Pretax return on assets | 0.0942% | 4,350 |
| Return on Equity (ROE) | 1.1800% | 4,294 |
| Retained earnings to average equity (ytd only) | 1.1806% | 3,908 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 93.8544% | 271 |
| Assets per employee ($millions) | 10.8705% | 518 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1585% | 2,581 |
| Loan loss allowance to noncurrent loans | 621.2625% | 1,234 |
| Noncurrent assets plus other real estate owned to assets | 0.1319% | 2,678 |
| Noncurrent loans to loans | 0.1865% | 2,616 |
| Net loans and leases to total assets | 69.8900% | 1,841 |
| Net loans and leases to deposits | 76.2185% | 2,393 |
| Net loans and leases to core deposits | 100.2589% | 1,308 |
| Total domestic deposits to total assets | 91.6900% | 520 |
| Equity capital to assets | 7.4702% | 3,373 |
| Core capital (leverage) ratio | 8.8239% | 3,926 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2598% | 2,528 |
| Memoranda: |
| Average total assets | $215,219,500 | 2,883 |
| Average earning assets | $206,885,250 | 2,828 |
| Average equity | $17,166,250 | 3,070 |
| Average total loans | $155,004,000 | 2,640 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0474% | 1,472 |
| Cost of funding earning assets | 2.0987% | 410 |
| Net interest margin | 2.9487% | 3,564 |
| Noninterest income to average assets | 0.0600% | 4,461 |
| Noninterest expense to average assets | 2.7553% | 1,512 |
| Loan and lease loss provision to assets | 0.1300% | 871 |
| Net operating income to assets | 0.0066% | 4,411 |
| Return on assets (ROA) | 0.0066% | 4,447 |
| Pretax return on assets | 0.0066% | 4,440 |
| Return on Equity (ROE) | 0.0800% | 4,433 |
| Retained earnings to average equity (ytd only) | 0.0814% | 4,057 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 95.3397% | 239 |
| Assets per employee ($millions) | 10.2440% | 628 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1359% | 2,771 |
| Loan loss allowance to noncurrent loans | 583.9228% | 1,387 |
| Noncurrent assets plus other real estate owned to assets | 0.1446% | 2,536 |
| Noncurrent loans to loans | 0.1945% | 2,490 |
| Net loans and leases to total assets | 73.4700% | 1,352 |
| Net loans and leases to deposits | 80.6005% | 1,929 |
| Net loans and leases to core deposits | 112.3706% | 739 |
| Total domestic deposits to total assets | 91.1600% | 606 |
| Equity capital to assets | 7.9429% | 3,251 |
| Core capital (leverage) ratio | 8.8435% | 3,889 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2303% | 2,560 |
| Memoranda: |
| Average total assets | $210,865,667 | 2,930 |
| Average earning assets | $202,122,667 | 2,875 |
| Average equity | $17,204,000 | 3,088 |
| Average total loans | $152,869,000 | 2,648 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7668% | 1,702 |
| Cost of funding earning assets | 1.7219% | 541 |
| Net interest margin | 3.0449% | 3,481 |
| Noninterest income to average assets | 0.0500% | 4,540 |
| Noninterest expense to average assets | 2.5889% | 1,984 |
| Loan and lease loss provision to assets | 0.2100% | 475 |
| Net operating income to assets | 0.1648% | 4,389 |
| Return on assets (ROA) | 0.1648% | 4,362 |
| Pretax return on assets | 0.1648% | 4,369 |
| Return on Equity (ROE) | 1.9900% | 4,307 |
| Retained earnings to average equity (ytd only) | 1.9928% | 3,705 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 87.3303% | 450 |
| Assets per employee ($millions) | 10.6851% | 569 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2961% | 2,051 |
| Loan loss allowance to noncurrent loans | 620.7430% | 1,389 |
| Noncurrent assets plus other real estate owned to assets | 0.1511% | 2,457 |
| Noncurrent loans to loans | 0.2088% | 2,431 |
| Net loans and leases to total assets | 71.4500% | 1,482 |
| Net loans and leases to deposits | 78.3898% | 1,933 |
| Net loans and leases to core deposits | 107.3231% | 785 |
| Total domestic deposits to total assets | 91.1500% | 755 |
| Equity capital to assets | 8.0617% | 3,199 |
| Core capital (leverage) ratio | 9.2166% | 3,516 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6362% | 2,519 |
| Memoranda: |
| Average total assets | $208,737,000 | 2,981 |
| Average earning assets | $199,546,500 | 2,934 |
| Average equity | $17,262,500 | 3,113 |
| Average total loans | $149,367,500 | 2,706 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8175% | 2,226 |
| Cost of funding earning assets | 0.3696% | 2,334 |
| Net interest margin | 3.4478% | 2,105 |
| Noninterest income to average assets | 0.1000% | 4,426 |
| Noninterest expense to average assets | 3.0055% | 960 |
| Loan and lease loss provision to assets | 0.2600% | 356 |
| Net operating income to assets | 0.1437% | 4,484 |
| Return on assets (ROA) | 0.1437% | 4,472 |
| Pretax return on assets | 0.1437% | 4,483 |
| Return on Equity (ROE) | 1.4600% | 4,439 |
| Retained earnings to average equity (ytd only) | 1.4641% | 4,109 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 88.1473% | 354 |
| Assets per employee ($millions) | 9.2624% | 840 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3156% | 1,826 |
| Loan loss allowance to noncurrent loans | 575.9878% | 1,450 |
| Noncurrent assets plus other real estate owned to assets | 0.1615% | 2,407 |
| Noncurrent loans to loans | 0.2284% | 2,356 |
| Net loans and leases to total assets | 69.7500% | 1,659 |
| Net loans and leases to deposits | 76.9611% | 2,040 |
| Net loans and leases to core deposits | 94.0970% | 1,292 |
| Total domestic deposits to total assets | 90.6400% | 1,088 |
| Equity capital to assets | 8.4884% | 2,709 |
| Core capital (leverage) ratio | 10.0896% | 2,554 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2219% | 2,276 |
| Memoranda: |
| Average total assets | $182,363,800 | 3,168 |
| Average earning assets | $175,036,800 | 3,104 |
| Average equity | $17,895,400 | 3,131 |
| Average total loans | $125,079,400 | 2,878 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6140% | 2,307 |
| Cost of funding earning assets | 0.1298% | 4,038 |
| Net interest margin | 3.4842% | 1,709 |
| Noninterest income to average assets | 0.1200% | 4,379 |
| Noninterest expense to average assets | 2.8193% | 1,211 |
| Loan and lease loss provision to assets | 0.2500% | 322 |
| Net operating income to assets | 0.4045% | 4,236 |
| Return on assets (ROA) | 0.4045% | 4,177 |
| Pretax return on assets | 0.4045% | 4,263 |
| Return on Equity (ROE) | 3.9700% | 4,152 |
| Retained earnings to average equity (ytd only) | 3.9678% | 3,454 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 81.1931% | 704 |
| Assets per employee ($millions) | 7.5820% | 1,563 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2879% | 2,092 |
| 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 | 80.4100% | 502 |
| Net loans and leases to deposits | 90.3253% | 871 |
| Net loans and leases to core deposits | 91.4522% | 1,210 |
| Total domestic deposits to total assets | 89.0300% | 2,085 |
| Equity capital to assets | 10.4602% | 1,388 |
| Core capital (leverage) ratio | 11.3805% | 1,507 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9314% | 2,081 |
| Memoranda: |
| Average total assets | $177,011,750 | 3,236 |
| Average earning assets | $170,554,500 | 3,171 |
| Average equity | $18,045,000 | 3,159 |
| Average total loans | $120,340,250 | 2,921 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3958% | 2,451 |
| Cost of funding earning assets | 0.1197% | 3,962 |
| Net interest margin | 3.2761% | 1,977 |
| Noninterest income to average assets | 0.1264% | 4,366 |
| Noninterest expense to average assets | 2.5563% | 1,760 |
| Loan and lease loss provision to assets | 0.2217% | 354 |
| Net operating income to assets | 0.5044% | 3,881 |
| Return on assets (ROA) | 0.5044% | 3,834 |
| Pretax return on assets | 0.5044% | 3,990 |
| Return on Equity (ROE) | 4.9879% | 3,822 |
| Retained earnings to average equity (ytd only) | 4.9879% | 2,716 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8791% | 1,089 |
| Assets per employee ($millions) | 7.8575% | 1,375 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3047% | 2,171 |
| 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 | 70.8921% | 1,212 |
| Net loans and leases to deposits | 79.2533% | 1,442 |
| Net loans and leases to core deposits | 81.7143% | 1,608 |
| Total domestic deposits to total assets | 89.4501% | 1,974 |
| Equity capital to assets | 10.1589% | 1,620 |
| Core capital (leverage) ratio | 12.0412% | 1,138 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1269% | 1,674 |
| Memoranda: |
| Average total assets | $180,414,667 | 3,241 |
| Average earning assets | $173,803,333 | 3,181 |
| Average equity | $18,244,000 | 3,214 |
| Average total loans | $115,159,333 | 3,000 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4429% | 1,967 |
| Cost of funding earning assets | 0.1237% | 3,854 |
| Net interest margin | 3.3192% | 1,529 |
| Noninterest income to average assets | 0.1477% | 4,269 |
| Noninterest expense to average assets | 2.3975% | 2,177 |
| Loan and lease loss provision to assets | 0.2128% | 333 |
| Net operating income to assets | 0.7427% | 2,882 |
| Return on assets (ROA) | 0.7427% | 2,877 |
| Pretax return on assets | 0.7427% | 3,270 |
| Return on Equity (ROE) | 7.3606% | 2,924 |
| Retained earnings to average equity (ytd only) | 7.3606% | 1,781 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5026% | 2,043 |
| Assets per employee ($millions) | 9.0057% | 911 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3986% | 1,909 |
| 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 | 59.4163% | 2,127 |
| Net loans and leases to deposits | 66.4718% | 2,299 |
| Net loans and leases to core deposits | 68.3413% | 2,429 |
| Total domestic deposits to total assets | 89.3856% | 1,872 |
| Equity capital to assets | 10.2035% | 1,758 |
| Core capital (leverage) ratio | 10.8220% | 1,614 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0857% | 1,238 |
| Memoranda: |
| Average total assets | $184,190,000 | 3,212 |
| Average earning assets | $177,873,500 | 3,159 |
| Average equity | $18,585,500 | 3,275 |
| Average total loans | $110,655,500 | 3,056 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8385% | 1,774 |
| Cost of funding earning assets | 0.2242% | 3,207 |
| Net interest margin | 3.6144% | 1,430 |
| Noninterest income to average assets | 0.1859% | 4,225 |
| Noninterest expense to average assets | 3.0738% | 883 |
| Loan and lease loss provision to assets | 0.3366% | 227 |
| Net operating income to assets | 0.1926% | 4,544 |
| Return on assets (ROA) | 0.1926% | 4,561 |
| Pretax return on assets | 0.1926% | 4,579 |
| Return on Equity (ROE) | 1.6564% | 4,536 |
| Retained earnings to average equity (ytd only) | 1.6564% | 4,078 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.3126% | 499 |
| Assets per employee ($millions) | 9.4133% | 801 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2591% | 2,576 |
| 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 | 59.1482% | 2,252 |
| Net loans and leases to deposits | 65.9852% | 2,518 |
| Net loans and leases to core deposits | 72.3881% | 2,224 |
| Total domestic deposits to total assets | 89.6386% | 1,146 |
| Equity capital to assets | 9.9822% | 2,670 |
| Core capital (leverage) ratio | 11.9473% | 1,109 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6618% | 1,126 |
| Memoranda: |
| Average total assets | $150,040,600 | 3,484 |
| Average earning assets | $141,850,600 | 3,457 |
| Average equity | $17,447,200 | 3,431 |
| Average total loans | $105,825,800 | 3,130 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9485% | 1,643 |
| Cost of funding earning assets | 0.2552% | 3,070 |
| Net interest margin | 3.6933% | 1,350 |
| Noninterest income to average assets | 0.2259% | 4,051 |
| Noninterest expense to average assets | 3.1699% | 748 |
| Loan and lease loss provision to assets | 0.3367% | 221 |
| Net operating income to assets | 0.1803% | 4,641 |
| Return on assets (ROA) | 0.1803% | 4,662 |
| Pretax return on assets | 0.1803% | 4,678 |
| Return on Equity (ROE) | 1.4805% | 4,648 |
| Retained earnings to average equity (ytd only) | 1.4805% | 4,315 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.9717% | 434 |
| Assets per employee ($millions) | 8.1032% | 1,229 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1945% | 3,015 |
| 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 | 68.2346% | 1,293 |
| Net loans and leases to deposits | 78.2059% | 1,466 |
| Net loans and leases to core deposits | 87.6056% | 1,179 |
| Total domestic deposits to total assets | 87.2499% | 2,242 |
| Equity capital to assets | 12.2032% | 1,309 |
| Core capital (leverage) ratio | 13.0989% | 821 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.7544% | 548 |
| Memoranda: |
| Average total assets | $140,484,250 | 3,625 |
| Average earning assets | $131,658,250 | 3,599 |
| Average equity | $17,110,750 | 3,497 |
| Average total loans | $104,088,250 | 3,188 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6991% | 2,333 |
| Cost of funding earning assets | 0.2866% | 2,903 |
| Net interest margin | 3.4125% | 2,100 |
| Noninterest income to average assets | 0.2471% | 3,919 |
| Noninterest expense to average assets | 3.1134% | 821 |
| Loan and lease loss provision to assets | 0.4191% | 142 |
| Net operating income to assets | -0.0985% | 4,804 |
| Return on assets (ROA) | -0.0985% | 4,810 |
| Pretax return on assets | -0.0985% | 4,804 |
| Return on Equity (ROE) | -0.8096% | 4,814 |
| Retained earnings to average equity (ytd only) | -0.8096% | 4,588 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.6638% | 323 |
| Assets per employee ($millions) | 7.7372% | 1,334 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1025% | 3,399 |
| 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 | 73.2249% | 836 |
| Net loans and leases to deposits | 89.9801% | 656 |
| Net loans and leases to core deposits | 102.2911% | 585 |
| Total domestic deposits to total assets | 81.3790% | 4,030 |
| Equity capital to assets | 11.2410% | 1,798 |
| Core capital (leverage) ratio | 12.0072% | 1,090 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6228% | 867 |
| Memoranda: |
| Average total assets | $135,992,333 | 3,676 |
| Average earning assets | $127,003,667 | 3,660 |
| Average equity | $16,551,667 | 3,551 |
| Average total loans | $103,343,000 | 3,214 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7424% | 2,257 |
| Cost of funding earning assets | 0.3429% | 2,588 |
| Net interest margin | 3.3995% | 2,112 |
| Noninterest income to average assets | 0.1839% | 4,273 |
| Noninterest expense to average assets | 2.8662% | 1,221 |
| Loan and lease loss provision to assets | 0.6437% | 87 |
| Net operating income to assets | -0.1655% | 4,824 |
| Return on assets (ROA) | -0.1655% | 4,826 |
| Pretax return on assets | -0.1655% | 4,825 |
| Return on Equity (ROE) | -1.3040% | 4,835 |
| Retained earnings to average equity (ytd only) | -1.3040% | 4,490 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.7012% | 521 |
| Assets per employee ($millions) | 7.0505% | 1,771 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0628% | 3,604 |
| 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 | 74.2685% | 788 |
| Net loans and leases to deposits | 84.5465% | 1,090 |
| Net loans and leases to core deposits | 95.2635% | 920 |
| Total domestic deposits to total assets | 87.8434% | 1,921 |
| Equity capital to assets | 11.7282% | 1,426 |
| Core capital (leverage) ratio | 12.9284% | 856 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.0620% | 675 |
| Memoranda: |
| Average total assets | $130,485,500 | 3,734 |
| Average earning assets | $121,312,000 | 3,726 |
| Average equity | $16,565,000 | 3,552 |
| Average total loans | $100,592,000 | 3,254 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6184% | 3,760 |
| Cost of funding earning assets | 0.5096% | 2,888 |
| Net interest margin | 3.1088% | 3,609 |
| Noninterest income to average assets | 0.2547% | 3,959 |
| Noninterest expense to average assets | 4.2270% | 304 |
| Loan and lease loss provision to assets | 0.6137% | 320 |
| Net operating income to assets | -1.6551% | 4,951 |
| Return on assets (ROA) | -1.6551% | 4,953 |
| Pretax return on assets | -1.6551% | 4,951 |
| Return on Equity (ROE) | -8.8018% | 4,937 |
| Retained earnings to average equity (ytd only) | -8.8018% | 4,899 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 132.6923% | 53 |
| Assets per employee ($millions) | 7.4976% | 1,287 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9598% | 4,002 |
| 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 | 78.7072% | 527 |
| Net loans and leases to deposits | 102.8586% | 288 |
| Net loans and leases to core deposits | 108.0718% | 569 |
| Total domestic deposits to total assets | 76.5199% | 4,464 |
| Equity capital to assets | 13.8312% | 839 |
| Core capital (leverage) ratio | 15.6644% | 426 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5670% | 828 |
| Memoranda: |
| Average total assets | $93,045,200 | 4,079 |
| Average earning assets | $87,717,800 | 4,055 |
| Average equity | $17,496,400 | 3,418 |
| Average total loans | $71,389,600 | 3,701 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3865% | 4,361 |
| Cost of funding earning assets | 0.5737% | 2,781 |
| Net interest margin | 2.8128% | 4,324 |
| Noninterest income to average assets | 0.2626% | 3,900 |
| Noninterest expense to average assets | 3.5914% | 620 |
| Loan and lease loss provision to assets | 0.5109% | 566 |
| Net operating income to assets | -1.1971% | 4,956 |
| Return on assets (ROA) | -1.1971% | 4,958 |
| Pretax return on assets | -1.1971% | 4,953 |
| Return on Equity (ROE) | -5.8305% | 4,923 |
| Retained earnings to average equity (ytd only) | -5.8305% | 4,862 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 123.6045% | 69 |
| Assets per employee ($millions) | 7.9278% | 1,027 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7401% | 4,506 |
| 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 | 81.5702% | 474 |
| Net loans and leases to deposits | 102.4048% | 437 |
| Net loans and leases to core deposits | 107.0952% | 802 |
| Total domestic deposits to total assets | 79.6547% | 3,936 |
| Equity capital to assets | 15.6385% | 518 |
| Core capital (leverage) ratio | 17.6034% | 291 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.8446% | 462 |
| Memoranda: |
| Average total assets | $86,316,250 | 4,172 |
| Average earning assets | $81,103,750 | 4,153 |
| Average equity | $17,722,500 | 3,393 |
| Average total loans | $65,403,750 | 3,836 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4015% | 4,536 |
| Cost of funding earning assets | 0.6522% | 2,682 |
| Net interest margin | 2.7493% | 4,509 |
| Noninterest income to average assets | 0.2766% | 3,817 |
| Noninterest expense to average assets | 3.7750% | 521 |
| Loan and lease loss provision to assets | 0.5276% | 651 |
| Net operating income to assets | -1.4675% | 4,997 |
| Return on assets (ROA) | -1.4675% | 4,998 |
| Pretax return on assets | -1.4675% | 4,985 |
| Return on Equity (ROE) | -6.4222% | 4,947 |
| Retained earnings to average equity (ytd only) | -6.4222% | 4,828 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 133.1527% | 59 |
| Assets per employee ($millions) | 6.7221% | 1,613 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6927% | 4,579 |
| 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 | 83.7848% | 271 |
| Net loans and leases to deposits | 103.2028% | 405 |
| Net loans and leases to core deposits | 108.6868% | 784 |
| Total domestic deposits to total assets | 81.1846% | 3,563 |
| Equity capital to assets | 18.6582% | 257 |
| Core capital (leverage) ratio | 20.0137% | 205 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.2905% | 299 |
| Memoranda: |
| Average total assets | $78,092,000 | 4,275 |
| Average earning assets | $72,674,333 | 4,264 |
| Average equity | $17,844,333 | 3,381 |
| Average total loans | $56,802,000 | 4,003 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5434% | 4,594 |
| Cost of funding earning assets | 0.8258% | 2,242 |
| Net interest margin | 2.7176% | 4,655 |
| Noninterest income to average assets | 0.3082% | 3,666 |
| Noninterest expense to average assets | 4.3605% | 350 |
| Loan and lease loss provision to assets | 0.1199% | 2,195 |
| Net operating income to assets | -1.6552% | 5,030 |
| Return on assets (ROA) | -1.6552% | 5,015 |
| Pretax return on assets | -1.6552% | 5,000 |
| Return on Equity (ROE) | -6.4491% | 4,954 |
| Retained earnings to average equity (ytd only) | -6.4491% | 4,609 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 154.3434% | 52 |
| Assets per employee ($millions) | 5.1414% | 2,486 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7569% | 4,502 |
| 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 | 66.4888% | 2,758 |
| Net loans and leases to deposits | 88.6325% | 1,678 |
| Net loans and leases to core deposits | 94.9450% | 1,887 |
| Total domestic deposits to total assets | 75.0163% | 4,587 |
| Equity capital to assets | 24.7878% | 116 |
| Core capital (leverage) ratio | 25.8591% | 102 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 34.8526% | 197 |
| Memoranda: |
| Average total assets | $70,083,500 | 4,416 |
| Average earning assets | $64,910,000 | 4,400 |
| Average equity | $17,987,000 | 3,371 |
| Average total loans | $45,503,500 | 4,237 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 1.9820% | 5,144 |
| Cost of funding earning assets | 0.3515% | 4,591 |
| Net interest margin | 1.6305% | 5,131 |
| Noninterest income to average assets | 0.1289% | 4,823 |
| Noninterest expense to average assets | 5.3117% | 176 |
| Loan and lease loss provision to assets | 0.6718% | 169 |
| Net operating income to assets | -4.3509% | 5,159 |
| Return on assets (ROA) | -4.3509% | 5,159 |
| Pretax return on assets | -4.3509% | 5,160 |
| Return on Equity (ROE) | -11.8816% | 5,134 |
| Retained earnings to average equity (ytd only) | -11.8816% | 5,087 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 325.3589% | 14 |
| Assets per employee ($millions) | 4.8706% | 2,752 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8040% | 4,290 |
| 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 | 62.2397% | 3,373 |
| Net loans and leases to deposits | 85.0007% | 2,204 |
| Net loans and leases to core deposits | 91.4399% | 2,284 |
| Total domestic deposits to total assets | 73.2226% | 4,814 |
| Equity capital to assets | 26.5912% | 106 |
| Core capital (leverage) ratio | 33.7641% | 61 |
| Tier 1 risk-based capital ratio | 38.9584% | 254 |
| Total risk-based capital ratio | 39.6975% | 260 |
| Memoranda: |
| Average total assets | $51,208,000 | 4,730 |
| Average earning assets | $47,225,667 | 4,727 |
| Average equity | $18,751,667 | 3,254 |
| Average total loans | $30,477,667 | 4,632 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 1.4783% | 5,239 |
| Cost of funding earning assets | 0.2356% | 4,963 |
| Net interest margin | 1.2427% | 5,234 |
| Noninterest income to average assets | 0.0749% | 5,060 |
| Noninterest expense to average assets | 5.7055% | 147 |
| Loan and lease loss provision to assets | 0.7366% | 141 |
| Net operating income to assets | -5.2311% | 5,245 |
| Return on assets (ROA) | -5.2311% | 5,245 |
| Pretax return on assets | -5.2311% | 5,245 |
| Return on Equity (ROE) | -11.7232% | 5,210 |
| Retained earnings to average equity (ytd only) | -11.7232% | 5,164 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 471.1340% | 9 |
| Assets per employee ($millions) | 3.6283% | 4,363 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7009% | 4,651 |
| 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 | 0.0000% | 4,706 |
| Net loans and leases to total assets | 65.8221% | 3,068 |
| Net loans and leases to deposits | 104.3311% | 394 |
| Net loans and leases to core deposits | 115.1066% | 695 |
| Total domestic deposits to total assets | 63.0896% | 5,141 |
| Equity capital to assets | 36.7824% | 55 |
| Core capital (leverage) ratio | 45.1130% | 42 |
| Tier 1 risk-based capital ratio | 50.9698% | 131 |
| Total risk-based capital ratio | 51.6136% | 134 |
| Memoranda: |
| Average total assets | $42,718,000 | 4,926 |
| Average earning assets | $39,053,000 | 4,928 |
| Average equity | $19,061,500 | 3,244 |
| Average total loans | $24,324,500 | 4,840 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 0.3406% | 5,299 |
| Cost of funding earning assets | 0.0131% | 5,287 |
| Net interest margin | 0.3275% | 5,296 |
| Noninterest income to average assets | 0.0000% | 5,250 |
| Noninterest expense to average assets | 5.6062% | 156 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | -5.3176% | 5,292 |
| Return on assets (ROA) | -5.3176% | 5,292 |
| Pretax return on assets | -5.3176% | 5,291 |
| Return on Equity (ROE) | -9.4758% | 5,238 |
| Retained earnings to average equity (ytd only) | -9.4758% | 5,168 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 1,942.0000% | 3 |
| Assets per employee ($millions) | 2.4743% | 5,133 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.0000% | 5,251 |
| 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 | 0.0000% | 4,745 |
| Net loans and leases to total assets | 43.2390% | 4,747 |
| Net loans and leases to deposits | 101.9466% | 543 |
| Net loans and leases to core deposits | 101.9466% | 1,560 |
| Total domestic deposits to total assets | 42.4134% | 5,261 |
| Equity capital to assets | 56.1172% | 35 |
| Core capital (leverage) ratio | 93.4118% | 13 |
| Tier 1 risk-based capital ratio | 118.1128% | 36 |
| Total risk-based capital ratio | 118.1128% | 36 |
| Memoranda: |
| Average total assets | $34,640,000 | 5,084 |
| Average earning assets | $30,537,000 | 5,092 |
| Average equity | $19,439,000 | 3,204 |
| Average total loans | $14,978,000 | 5,088 |
