Home > New Valley Bank & Trust > Performance and Condition Ratios
New Valley Bank & Trust, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 3 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0077% | 3,109 |
| Cost of funding earning assets | 2.2538% | 1,305 |
| Net interest margin | 2.7539% | 3,774 |
| Noninterest income to average assets | 0.2100% | 3,487 |
| Noninterest expense to average assets | 2.7681% | 1,584 |
| Loan and lease loss provision to assets | 0.7400% | 117 |
| Net operating income to assets | -0.5274% | 4,318 |
| Return on assets (ROA) | -0.5274% | 4,348 |
| Pretax return on assets | -0.7473% | 4,368 |
| Return on Equity (ROE) | -6.6700% | 4,352 |
| Retained earnings to average equity (ytd only) | -6.6703% | 4,160 |
| Net charge-offs to loans | -0.0078% | 3,853 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 100.3922% | 256 |
| Assets per employee ($millions) | 9.2096% | 1,026 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2278% | 291 |
| Loan loss allowance to noncurrent loans | 59.0147% | 3,380 |
| Noncurrent assets plus other real estate owned to assets | 2.8534% | 108 |
| Noncurrent loans to loans | 3.7750% | 133 |
| Net loans and leases to total assets | 73.9000% | 1,349 |
| Net loans and leases to deposits | 90.5783% | 1,058 |
| Net loans and leases to core deposits | 109.8752% | 855 |
| Total domestic deposits to total assets | 81.5900% | 3,382 |
| Equity capital to assets | 7.6803% | 3,768 |
| Core capital (leverage) ratio | 8.5695% | 4,047 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1029% | 2,674 |
| Memoranda: | ||
| Average total assets | $332,936,000 | 2,330 |
| Average earning assets | $307,928,500 | 2,335 |
| Average equity | $26,325,500 | 2,621 |
| Average total loans | $256,056,500 | 2,089 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 2 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0235% | 3,065 |
| Cost of funding earning assets | 2.3728% | 1,408 |
| Net interest margin | 2.6507% | 3,704 |
| Noninterest income to average assets | 0.1900% | 3,762 |
| Noninterest expense to average assets | 2.5339% | 2,210 |
| Loan and lease loss provision to assets | 0.7700% | 107 |
| Net operating income to assets | -0.4587% | 4,339 |
| Return on assets (ROA) | -0.4587% | 4,369 |
| Pretax return on assets | -0.6386% | 4,378 |
| Return on Equity (ROE) | -5.7900% | 4,366 |
| Retained earnings to average equity (ytd only) | -5.7945% | 4,316 |
| Net charge-offs to loans | 0.1184% | 1,050 |
| Credit loss provision to net charge-offs | 895.8478% | 418 |
| Earnings coverage of net charge-offs (x) | 1.5260% | 2,896 |
| Efficiency ratio | 95.0803% | 359 |
| Assets per employee ($millions) | 8.1280% | 1,463 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0114% | 357 |
| Loan loss allowance to noncurrent loans | 71.4086% | 3,267 |
| Noncurrent assets plus other real estate owned to assets | 2.2054% | 156 |
| Noncurrent loans to loans | 2.8167% | 221 |
| Net loans and leases to total assets | 76.7200% | 1,048 |
| Net loans and leases to deposits | 91.7653% | 1,056 |
| Net loans and leases to core deposits | 118.4062% | 653 |
| Total domestic deposits to total assets | 83.6000% | 2,885 |
| Equity capital to assets | 8.1447% | 3,420 |
| Core capital (leverage) ratio | 8.6346% | 4,001 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8516% | 2,570 |
| Memoranda: | ||
| Average total assets | $336,362,400 | 2,292 |
| Average earning assets | $313,843,800 | 2,282 |
| Average equity | $26,628,800 | 2,540 |
| Average total loans | $244,079,800 | 2,116 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9622% | 3,093 |
| Cost of funding earning assets | 2.3457% | 1,447 |
| Net interest margin | 2.6165% | 3,739 |
| Noninterest income to average assets | 0.2000% | 3,691 |
| Noninterest expense to average assets | 2.4640% | 2,358 |
| Loan and lease loss provision to assets | 0.9800% | 71 |
| Net operating income to assets | -0.8802% | 4,429 |
| Return on assets (ROA) | -0.8802% | 4,457 |
| Pretax return on assets | -0.8074% | 4,442 |
| Return on Equity (ROE) | -11.2000% | 4,454 |
| Retained earnings to average equity (ytd only) | -11.1950% | 4,443 |
| Net charge-offs to loans | 0.0806% | 1,107 |
| Credit loss provision to net charge-offs | 1,713.6986% | 280 |
| Earnings coverage of net charge-offs (x) | 3.0685% | 2,549 |
| Efficiency ratio | 93.3294% | 418 |
| Assets per employee ($millions) | 9.5956% | 872 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0481% | 353 |
| Loan loss allowance to noncurrent loans | 74.1016% | 3,294 |
| Noncurrent assets plus other real estate owned to assets | 2.0220% | 197 |
| Noncurrent loans to loans | 2.7638% | 235 |
| Net loans and leases to total assets | 71.6600% | 1,651 |
| Net loans and leases to deposits | 84.7261% | 1,757 |
| Net loans and leases to core deposits | 106.6474% | 1,100 |
| Total domestic deposits to total assets | 84.5800% | 2,421 |
| Equity capital to assets | 7.5489% | 3,945 |
| Core capital (leverage) ratio | 8.2133% | 4,245 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2300% | 2,738 |
| Memoranda: | ||
| Average total assets | $339,173,500 | 2,272 |
| Average earning assets | $316,652,250 | 2,270 |
| Average equity | $26,666,000 | 2,535 |
| Average total loans | $241,462,000 | 2,118 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 2 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9175% | 3,094 |
| Cost of funding earning assets | 2.3556% | 1,334 |
| Net interest margin | 2.5619% | 3,791 |
| Noninterest income to average assets | 0.2000% | 3,684 |
| Noninterest expense to average assets | 2.5198% | 2,185 |
| Loan and lease loss provision to assets | 0.7700% | 100 |
| Net operating income to assets | -0.7689% | 4,440 |
| Return on assets (ROA) | -0.7689% | 4,469 |
| Pretax return on assets | -0.6960% | 4,450 |
| Return on Equity (ROE) | -9.6500% | 4,464 |
| Retained earnings to average equity (ytd only) | -9.6492% | 4,433 |
| Net charge-offs to loans | 0.1144% | 809 |
| Credit loss provision to net charge-offs | 951.4706% | 423 |
| Earnings coverage of net charge-offs (x) | 0.8897% | 2,507 |
| Efficiency ratio | 97.2299% | 339 |
| Assets per employee ($millions) | 8.9819% | 1,010 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6530% | 754 |
| Loan loss allowance to noncurrent loans | 82.5654% | 3,246 |
| Noncurrent assets plus other real estate owned to assets | 1.4116% | 365 |
| Noncurrent loans to loans | 2.0021% | 378 |
| Net loans and leases to total assets | 69.3400% | 1,984 |
| Net loans and leases to deposits | 82.2067% | 2,007 |
| Net loans and leases to core deposits | 105.6745% | 1,174 |
| Total domestic deposits to total assets | 84.3500% | 2,513 |
| Equity capital to assets | 7.7536% | 3,591 |
| Core capital (leverage) ratio | 8.7399% | 3,935 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3668% | 2,465 |
| Memoranda: | ||
| Average total assets | $337,083,667 | 2,271 |
| Average earning assets | $314,140,667 | 2,264 |
| Average equity | $26,862,333 | 2,493 |
| Average total loans | $237,706,667 | 2,127 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9117% | 2,961 |
| Cost of funding earning assets | 2.3337% | 1,277 |
| Net interest margin | 2.5780% | 3,746 |
| Noninterest income to average assets | 0.1700% | 3,835 |
| Noninterest expense to average assets | 2.5226% | 2,177 |
| Loan and lease loss provision to assets | 0.1400% | 749 |
| Net operating income to assets | -0.1121% | 4,343 |
| Return on assets (ROA) | -0.1121% | 4,332 |
| Pretax return on assets | -0.0930% | 4,313 |
| Return on Equity (ROE) | -1.3600% | 4,319 |
| Retained earnings to average equity (ytd only) | -1.3611% | 3,873 |
| Net charge-offs to loans | -0.0034% | 3,621 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 98.0083% | 337 |
| Assets per employee ($millions) | 10.5578% | 612 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2211% | 2,171 |
| Loan loss allowance to noncurrent loans | 115.7295% | 3,020 |
| Noncurrent assets plus other real estate owned to assets | 0.7527% | 801 |
| Noncurrent loans to loans | 1.0552% | 802 |
| Net loans and leases to total assets | 70.4600% | 1,752 |
| Net loans and leases to deposits | 84.9729% | 1,634 |
| Net loans and leases to core deposits | 109.6848% | 951 |
| Total domestic deposits to total assets | 82.9300% | 2,999 |
| Equity capital to assets | 8.1572% | 3,258 |
| Core capital (leverage) ratio | 9.0621% | 3,654 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1208% | 2,547 |
| Memoranda: | ||
| Average total assets | $335,532,500 | 2,276 |
| Average earning assets | $312,804,500 | 2,268 |
| Average equity | $27,624,500 | 2,463 |
| Average total loans | $236,262,000 | 2,132 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5190% | 3,064 |
| Cost of funding earning assets | 1.8524% | 1,156 |
| Net interest margin | 2.6666% | 3,868 |
| Noninterest income to average assets | 0.1900% | 3,826 |
| Noninterest expense to average assets | 2.6076% | 1,980 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 0.0309% | 4,301 |
| Return on assets (ROA) | 0.0309% | 4,329 |
| Pretax return on assets | 0.0483% | 4,313 |
| Return on Equity (ROE) | 0.3500% | 4,315 |
| Retained earnings to average equity (ytd only) | 0.3454% | 3,976 |
| Net charge-offs to loans | -0.0223% | 4,200 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 97.4592% | 226 |
| Assets per employee ($millions) | 10.0975% | 688 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2180% | 2,189 |
| Loan loss allowance to noncurrent loans | 164.6235% | 2,735 |
| Noncurrent assets plus other real estate owned to assets | 0.5141% | 1,092 |
| Noncurrent loans to loans | 0.7399% | 1,055 |
| Net loans and leases to total assets | 68.6300% | 1,962 |
| Net loans and leases to deposits | 83.0803% | 1,848 |
| Net loans and leases to core deposits | 112.3474% | 875 |
| Total domestic deposits to total assets | 82.6100% | 2,986 |
| Equity capital to assets | 8.3099% | 3,188 |
| Core capital (leverage) ratio | 9.3079% | 3,417 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1725% | 2,533 |
| Memoranda: | ||
| Average total assets | $304,489,400 | 2,407 |
| Average earning assets | $284,332,200 | 2,391 |
| Average equity | $27,213,000 | 2,402 |
| Average total loans | $214,767,600 | 2,194 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4094% | 3,082 |
| Cost of funding earning assets | 1.7197% | 1,151 |
| Net interest margin | 2.6898% | 3,896 |
| Noninterest income to average assets | 0.1900% | 3,850 |
| Noninterest expense to average assets | 2.7029% | 1,648 |
| Loan and lease loss provision to assets | -0.0300% | 4,416 |
| Net operating income to assets | 0.0045% | 4,369 |
| Return on assets (ROA) | 0.0045% | 4,390 |
| Pretax return on assets | 0.0283% | 4,374 |
| Return on Equity (ROE) | 0.0500% | 4,376 |
| Retained earnings to average equity (ytd only) | 0.0492% | 4,102 |
| Net charge-offs to loans | -0.1501% | 4,548 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 100.0664% | 180 |
| Assets per employee ($millions) | 9.3841% | 812 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2845% | 1,936 |
| Loan loss allowance to noncurrent loans | 204.9787% | 2,468 |
| Noncurrent assets plus other real estate owned to assets | 0.4407% | 1,323 |
| Noncurrent loans to loans | 0.6267% | 1,299 |
| Net loans and leases to total assets | 69.4200% | 1,895 |
| Net loans and leases to deposits | 84.6292% | 1,687 |
| Net loans and leases to core deposits | 117.1215% | 634 |
| Total domestic deposits to total assets | 82.0200% | 3,208 |
| Equity capital to assets | 8.4106% | 2,781 |
| Core capital (leverage) ratio | 9.5261% | 3,274 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8336% | 2,331 |
| Memoranda: | ||
| Average total assets | $297,307,500 | 2,443 |
| Average earning assets | $278,033,500 | 2,430 |
| Average equity | $27,093,750 | 2,397 |
| Average total loans | $210,579,500 | 2,224 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2078% | 3,277 |
| Cost of funding earning assets | 1.4911% | 1,259 |
| Net interest margin | 2.7166% | 3,951 |
| Noninterest income to average assets | 0.1600% | 3,996 |
| Noninterest expense to average assets | 2.7215% | 1,593 |
| Loan and lease loss provision to assets | -0.2300% | 4,619 |
| Net operating income to assets | 0.1689% | 4,315 |
| Return on assets (ROA) | 0.1689% | 4,340 |
| Pretax return on assets | 0.2048% | 4,313 |
| Return on Equity (ROE) | 1.8000% | 4,293 |
| Retained earnings to average equity (ytd only) | 1.8028% | 3,755 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 101.0755% | 159 |
| Assets per employee ($millions) | 9.2317% | 843 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1064% | 2,933 |
| Loan loss allowance to noncurrent loans | 161.9795% | 2,844 |
| Noncurrent assets plus other real estate owned to assets | 0.4667% | 1,152 |
| Noncurrent loans to loans | 0.6831% | 1,098 |
| Net loans and leases to total assets | 67.5700% | 2,004 |
| Net loans and leases to deposits | 82.7195% | 1,781 |
| Net loans and leases to core deposits | 115.1953% | 647 |
| Total domestic deposits to total assets | 81.6900% | 3,291 |
| Equity capital to assets | 8.7111% | 2,712 |
| Core capital (leverage) ratio | 9.9573% | 2,794 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2460% | 2,199 |
| Memoranda: | ||
| Average total assets | $290,056,333 | 2,486 |
| Average earning assets | $270,262,333 | 2,474 |
| Average equity | $27,180,000 | 2,404 |
| Average total loans | $205,986,000 | 2,249 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3904% | 3,366 |
| Cost of funding earning assets | 0.3359% | 2,585 |
| Net interest margin | 3.0546% | 3,302 |
| Noninterest income to average assets | 0.1600% | 4,171 |
| Noninterest expense to average assets | 2.4290% | 2,341 |
| Loan and lease loss provision to assets | 0.3000% | 278 |
| Net operating income to assets | 0.5393% | 4,019 |
| Return on assets (ROA) | 0.5320% | 3,988 |
| Pretax return on assets | 0.3052% | 4,375 |
| Return on Equity (ROE) | 5.5800% | 3,913 |
| Retained earnings to average equity (ytd only) | 5.5835% | 2,796 |
| Net charge-offs to loans | 0.4392% | 174 |
| Credit loss provision to net charge-offs | 107.1887% | 1,519 |
| Earnings coverage of net charge-offs (x) | 2.1772% | 2,516 |
| Efficiency ratio | 79.7830% | 733 |
| Assets per employee ($millions) | 8.2320% | 1,216 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2463% | 2,173 |
| Loan loss allowance to noncurrent loans | 280.7118% | 2,264 |
| Noncurrent assets plus other real estate owned to assets | 0.3206% | 1,576 |
| Noncurrent loans to loans | 0.4440% | 1,593 |
| Net loans and leases to total assets | 71.3200% | 1,490 |
| Net loans and leases to deposits | 81.9679% | 1,615 |
| Net loans and leases to core deposits | 92.5088% | 1,365 |
| Total domestic deposits to total assets | 87.0000% | 2,391 |
| Equity capital to assets | 9.9089% | 1,751 |
| Core capital (leverage) ratio | 11.4528% | 1,544 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9948% | 1,982 |
| Memoranda: | ||
| Average total assets | $275,542,800 | 2,572 |
| Average earning assets | $259,936,200 | 2,551 |
| Average equity | $26,256,000 | 2,518 |
| Average total loans | $177,387,200 | 2,396 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1945% | 3,449 |
| Cost of funding earning assets | 0.3074% | 2,083 |
| Net interest margin | 2.8871% | 3,522 |
| Noninterest income to average assets | 0.1600% | 4,207 |
| Noninterest expense to average assets | 2.4042% | 2,308 |
| Loan and lease loss provision to assets | 0.2900% | 248 |
| Net operating income to assets | 0.1195% | 4,536 |
| Return on assets (ROA) | 0.1191% | 4,505 |
| Pretax return on assets | 0.2001% | 4,461 |
| Return on Equity (ROE) | 1.2600% | 4,476 |
| Retained earnings to average equity (ytd only) | 1.2622% | 4,182 |
| Net charge-offs to loans | 0.5613% | 115 |
| Credit loss provision to net charge-offs | 81.8432% | 1,416 |
| Earnings coverage of net charge-offs (x) | 1.3906% | 2,275 |
| Efficiency ratio | 83.1416% | 601 |
| Assets per employee ($millions) | 8.0091% | 1,321 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2397% | 2,323 |
| Loan loss allowance to noncurrent loans | 193.8197% | 2,722 |
| Noncurrent assets plus other real estate owned to assets | 0.4408% | 1,228 |
| Noncurrent loans to loans | 0.6396% | 1,272 |
| Net loans and leases to total assets | 68.0600% | 1,671 |
| Net loans and leases to deposits | 75.2395% | 1,944 |
| Net loans and leases to core deposits | 81.8422% | 1,773 |
| Total domestic deposits to total assets | 90.4600% | 1,450 |
| Equity capital to assets | 9.2758% | 2,029 |
| Core capital (leverage) ratio | 10.8309% | 1,861 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6813% | 1,819 |
| Memoranda: | ||
| Average total assets | $276,514,500 | 2,589 |
| Average earning assets | $261,983,500 | 2,557 |
| Average equity | $26,090,500 | 2,566 |
| Average total loans | $172,689,750 | 2,436 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9966% | 3,569 |
| Cost of funding earning assets | 0.3056% | 1,675 |
| Net interest margin | 2.6910% | 3,718 |
| Noninterest income to average assets | 0.1454% | 4,291 |
| Noninterest expense to average assets | 2.2774% | 2,614 |
| Loan and lease loss provision to assets | 0.2366% | 318 |
| Net operating income to assets | 0.0713% | 4,540 |
| Return on assets (ROA) | 0.0713% | 4,505 |
| Pretax return on assets | 0.1796% | 4,428 |
| Return on Equity (ROE) | 0.7514% | 4,491 |
| Retained earnings to average equity (ytd only) | 0.7514% | 4,047 |
| Net charge-offs to loans | 0.4400% | 160 |
| Credit loss provision to net charge-offs | 89.0080% | 1,347 |
| Earnings coverage of net charge-offs (x) | 1.5657% | 2,066 |
| Efficiency ratio | 84.5462% | 651 |
| Assets per employee ($millions) | 8.7453% | 975 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3193% | 2,098 |
| Loan loss allowance to noncurrent loans | 217.9035% | 2,558 |
| Noncurrent assets plus other real estate owned to assets | 0.3852% | 1,463 |
| Noncurrent loans to loans | 0.6055% | 1,397 |
| Net loans and leases to total assets | 62.7837% | 2,037 |
| Net loans and leases to deposits | 69.0931% | 2,295 |
| Net loans and leases to core deposits | 74.9412% | 2,100 |
| Total domestic deposits to total assets | 90.8683% | 1,296 |
| Equity capital to assets | 8.8898% | 2,459 |
| Core capital (leverage) ratio | 10.1483% | 2,236 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9823% | 1,710 |
| Memoranda: | ||
| Average total assets | $280,586,000 | 2,582 |
| Average earning assets | $265,705,000 | 2,565 |
| Average equity | $26,615,333 | 2,602 |
| Average total loans | $169,540,000 | 2,466 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9845% | 3,301 |
| Cost of funding earning assets | 0.2880% | 1,753 |
| Net interest margin | 2.6965% | 3,406 |
| Noninterest income to average assets | 0.1224% | 4,394 |
| Noninterest expense to average assets | 2.2139% | 2,804 |
| Loan and lease loss provision to assets | 0.1580% | 493 |
| Net operating income to assets | 0.1965% | 4,342 |
| Return on assets (ROA) | 0.1965% | 4,306 |
| Pretax return on assets | 0.2961% | 4,191 |
| Return on Equity (ROE) | 2.0084% | 4,256 |
| Retained earnings to average equity (ytd only) | 2.0084% | 3,534 |
| Net charge-offs to loans | 0.9027% | 77 |
| Credit loss provision to net charge-offs | 29.7587% | 1,262 |
| Earnings coverage of net charge-offs (x) | 0.8552% | 1,757 |
| Efficiency ratio | 82.9776% | 917 |
| Assets per employee ($millions) | 11.3930% | 460 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2964% | 2,379 |
| Loan loss allowance to noncurrent loans | 360.6780% | 1,857 |
| Noncurrent assets plus other real estate owned to assets | 0.1918% | 2,482 |
| Noncurrent loans to loans | 0.3594% | 2,196 |
| Net loans and leases to total assets | 52.6685% | 2,922 |
| Net loans and leases to deposits | 57.7415% | 3,102 |
| Net loans and leases to core deposits | 62.1334% | 2,961 |
| Total domestic deposits to total assets | 91.2142% | 927 |
| Equity capital to assets | 8.6395% | 3,031 |
| Core capital (leverage) ratio | 10.6230% | 1,749 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2452% | 1,441 |
| Memoranda: | ||
| Average total assets | $280,955,000 | 2,594 |
| Average earning assets | $265,233,500 | 2,582 |
| Average equity | $27,484,000 | 2,634 |
| Average total loans | $165,286,000 | 2,507 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9755% | 1,419 |
| Cost of funding earning assets | 0.4456% | 1,237 |
| Net interest margin | 3.5299% | 1,653 |
| Noninterest income to average assets | 0.1297% | 4,499 |
| Noninterest expense to average assets | 2.0482% | 3,539 |
| Loan and lease loss provision to assets | 0.4358% | 144 |
| Net operating income to assets | 0.6913% | 3,650 |
| Return on assets (ROA) | 0.7354% | 3,590 |
| Pretax return on assets | 0.9097% | 3,487 |
| Return on Equity (ROE) | 7.9919% | 3,220 |
| Retained earnings to average equity (ytd only) | 7.9919% | 1,546 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3358% | 2,959 |
| Assets per employee ($millions) | 9.7807% | 710 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4360% | 1,781 |
| Loan loss allowance to noncurrent loans | 182.1646% | 2,737 |
| Noncurrent assets plus other real estate owned to assets | 0.5159% | 1,298 |
| Noncurrent loans to loans | 0.7883% | 1,290 |
| Net loans and leases to total assets | 64.5067% | 1,649 |
| Net loans and leases to deposits | 72.7066% | 1,839 |
| Net loans and leases to core deposits | 78.7945% | 1,697 |
| Total domestic deposits to total assets | 88.7219% | 1,654 |
| Equity capital to assets | 11.1648% | 1,690 |
| Core capital (leverage) ratio | 11.3174% | 1,388 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0105% | 1,040 |
| Memoranda: | ||
| Average total assets | $244,365,800 | 2,770 |
| Average earning assets | $222,187,000 | 2,795 |
| Average equity | $22,485,400 | 3,018 |
| Average total loans | $177,040,600 | 2,404 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1490% | 1,186 |
| Cost of funding earning assets | 0.5000% | 1,043 |
| Net interest margin | 3.6491% | 1,467 |
| Noninterest income to average assets | 0.1047% | 4,653 |
| Noninterest expense to average assets | 2.0142% | 3,624 |
| Loan and lease loss provision to assets | 0.4878% | 113 |
| Net operating income to assets | 0.7353% | 3,686 |
| Return on assets (ROA) | 0.7954% | 3,604 |
| Pretax return on assets | 0.9751% | 3,532 |
| Return on Equity (ROE) | 9.1579% | 3,060 |
| Retained earnings to average equity (ytd only) | 9.1579% | 1,634 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1741% | 3,104 |
| Assets per employee ($millions) | 9.3079% | 811 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3233% | 2,380 |
| Loan loss allowance to noncurrent loans | 310.8298% | 1,936 |
| Noncurrent assets plus other real estate owned to assets | 0.2938% | 2,302 |
| Noncurrent loans to loans | 0.4257% | 2,286 |
| Net loans and leases to total assets | 68.0974% | 1,312 |
| Net loans and leases to deposits | 74.8355% | 1,775 |
| Net loans and leases to core deposits | 81.3790% | 1,622 |
| Total domestic deposits to total assets | 90.9961% | 370 |
| Equity capital to assets | 8.8192% | 3,984 |
| Core capital (leverage) ratio | 8.8117% | 3,740 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7308% | 1,710 |
| Memoranda: | ||
| Average total assets | $241,882,500 | 2,801 |
| Average earning assets | $218,679,250 | 2,843 |
| Average equity | $21,008,750 | 3,164 |
| Average total loans | $179,693,250 | 2,425 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1220% | 1,312 |
| Cost of funding earning assets | 0.5644% | 893 |
| Net interest margin | 3.5576% | 1,688 |
| Noninterest income to average assets | 0.0910% | 4,727 |
| Noninterest expense to average assets | 1.9170% | 3,925 |
| Loan and lease loss provision to assets | 0.3366% | 231 |
| Net operating income to assets | 0.8951% | 3,234 |
| Return on assets (ROA) | 0.9800% | 3,051 |
| Pretax return on assets | 1.1255% | 3,128 |
| Return on Equity (ROE) | 11.3412% | 2,290 |
| Retained earnings to average equity (ytd only) | 11.3412% | 1,051 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4173% | 3,228 |
| Assets per employee ($millions) | 10.5739% | 512 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9416% | 4,019 |
| 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 | 68.9317% | 1,334 |
| Net loans and leases to deposits | 84.3884% | 1,036 |
| Net loans and leases to core deposits | 89.9026% | 1,148 |
| Total domestic deposits to total assets | 81.6839% | 3,981 |
| Equity capital to assets | 8.0792% | 4,487 |
| Core capital (leverage) ratio | 9.5789% | 2,828 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2642% | 1,274 |
| Memoranda: | ||
| Average total assets | $241,841,667 | 2,798 |
| Average earning assets | $216,886,667 | 2,859 |
| Average equity | $20,897,333 | 3,168 |
| Average total loans | $183,921,333 | 2,407 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1517% | 1,284 |
| Cost of funding earning assets | 0.5782% | 970 |
| Net interest margin | 3.5735% | 1,652 |
| Noninterest income to average assets | 0.0902% | 4,726 |
| Noninterest expense to average assets | 1.8093% | 4,198 |
| Loan and lease loss provision to assets | 0.2446% | 437 |
| Net operating income to assets | 1.3496% | 1,684 |
| Return on assets (ROA) | 1.3496% | 1,776 |
| Pretax return on assets | 1.3600% | 2,395 |
| Return on Equity (ROE) | 15.0575% | 1,196 |
| Retained earnings to average equity (ytd only) | 15.0575% | 618 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.9980% | 3,912 |
| Assets per employee ($millions) | 12.6211% | 302 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7299% | 4,518 |
| 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 | 78.9926% | 400 |
| Net loans and leases to deposits | 112.0254% | 121 |
| Net loans and leases to core deposits | 124.0190% | 209 |
| Total domestic deposits to total assets | 70.5132% | 4,758 |
| Equity capital to assets | 8.2782% | 4,300 |
| Core capital (leverage) ratio | 11.4783% | 1,429 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6809% | 1,127 |
| Memoranda: | ||
| Average total assets | $230,589,000 | 2,861 |
| Average earning assets | $214,466,500 | 2,861 |
| Average equity | $20,667,500 | 3,184 |
| Average total loans | $183,906,500 | 2,410 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5940% | 3,826 |
| Cost of funding earning assets | 0.7016% | 1,710 |
| Net interest margin | 2.8924% | 4,121 |
| Noninterest income to average assets | 0.0696% | 4,822 |
| Noninterest expense to average assets | 2.4504% | 2,992 |
| Loan and lease loss provision to assets | 0.6333% | 294 |
| Net operating income to assets | -0.3488% | 4,852 |
| Return on assets (ROA) | -0.1793% | 4,829 |
| Pretax return on assets | -0.1662% | 4,815 |
| Return on Equity (ROE) | -1.3549% | 4,827 |
| Retained earnings to average equity (ytd only) | -1.3549% | 4,661 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.1705% | 402 |
| Assets per employee ($millions) | 9.4890% | 628 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7936% | 4,438 |
| 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 | 79.3401% | 470 |
| Net loans and leases to deposits | 127.2574% | 48 |
| Net loans and leases to core deposits | 136.6624% | 147 |
| Total domestic deposits to total assets | 62.3462% | 4,895 |
| Equity capital to assets | 9.7908% | 3,326 |
| Core capital (leverage) ratio | 13.6508% | 749 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9741% | 904 |
| Memoranda: | ||
| Average total assets | $152,217,400 | 3,376 |
| Average earning assets | $140,955,600 | 3,374 |
| Average equity | $20,149,200 | 3,177 |
| Average total loans | $109,563,200 | 3,101 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0336% | 4,710 |
| Cost of funding earning assets | 0.7398% | 1,803 |
| Net interest margin | 2.2938% | 4,783 |
| Noninterest income to average assets | 0.0647% | 4,863 |
| Noninterest expense to average assets | 2.4806% | 2,905 |
| Loan and lease loss provision to assets | 0.6460% | 373 |
| Net operating income to assets | -0.9482% | 4,943 |
| Return on assets (ROA) | -0.6991% | 4,925 |
| Pretax return on assets | -0.6991% | 4,915 |
| Return on Equity (ROE) | -4.8081% | 4,912 |
| Retained earnings to average equity (ytd only) | -4.8081% | 4,839 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 113.8741% | 99 |
| Assets per employee ($millions) | 10.5164% | 433 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6029% | 4,717 |
| 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 | 80.7329% | 544 |
| Net loans and leases to deposits | 145.6349% | 28 |
| Net loans and leases to core deposits | 155.7668% | 96 |
| Total domestic deposits to total assets | 55.4351% | 4,958 |
| Equity capital to assets | 9.4790% | 3,699 |
| Core capital (leverage) ratio | 14.1450% | 682 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.8695% | 522 |
| Memoranda: | ||
| Average total assets | $138,082,500 | 3,527 |
| Average earning assets | $127,240,250 | 3,524 |
| Average equity | $20,076,750 | 3,180 |
| Average total loans | $95,215,750 | 3,321 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9631% | 4,860 |
| Cost of funding earning assets | 0.8548% | 1,578 |
| Net interest margin | 2.1082% | 4,918 |
| Noninterest income to average assets | 0.0614% | 4,886 |
| Noninterest expense to average assets | 2.8807% | 1,877 |
| Loan and lease loss provision to assets | 0.6175% | 508 |
| Net operating income to assets | -1.5158% | 5,002 |
| Return on assets (ROA) | -1.2649% | 4,985 |
| Pretax return on assets | -1.2649% | 4,971 |
| Return on Equity (ROE) | -7.1658% | 4,956 |
| Retained earnings to average equity (ytd only) | -7.1658% | 4,853 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 145.3097% | 45 |
| Assets per employee ($millions) | 10.7659% | 408 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4943% | 4,839 |
| 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 | 74.0662% | 1,403 |
| Net loans and leases to deposits | 115.0975% | 144 |
| Net loans and leases to core deposits | 128.1358% | 283 |
| Total domestic deposits to total assets | 64.3509% | 4,911 |
| Equity capital to assets | 10.3336% | 2,900 |
| Core capital (leverage) ratio | 15.0008% | 574 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.5833% | 320 |
| Memoranda: | ||
| Average total assets | $114,001,000 | 3,801 |
| Average earning assets | $103,878,333 | 3,844 |
| Average equity | $20,123,333 | 3,161 |
| Average total loans | $70,010,000 | 3,756 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9459% | 4,969 |
| Cost of funding earning assets | 1.2317% | 693 |
| Net interest margin | 1.7142% | 5,057 |
| Noninterest income to average assets | 0.0756% | 4,910 |
| Noninterest expense to average assets | 4.2856% | 375 |
| Loan and lease loss provision to assets | 0.5344% | 544 |
| Net operating income to assets | -3.1144% | 5,075 |
| Return on assets (ROA) | -3.1144% | 5,066 |
| Pretax return on assets | -3.1144% | 5,055 |
| Return on Equity (ROE) | -11.4413% | 5,010 |
| Retained earnings to average equity (ytd only) | -11.4413% | 4,812 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 251.2658% | 17 |
| Assets per employee ($millions) | 4.7144% | 2,973 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2491% | 2,396 |
| 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 | 42.8546% | 4,554 |
| Net loans and leases to deposits | 56.4146% | 4,351 |
| Net loans and leases to core deposits | 62.5522% | 4,255 |
| Total domestic deposits to total assets | 75.9637% | 4,490 |
| Equity capital to assets | 23.7959% | 129 |
| Core capital (leverage) ratio | 25.1948% | 109 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 40.8247% | 142 |
| Memoranda: | ||
| Average total assets | $74,108,500 | 4,343 |
| Average earning assets | $70,472,000 | 4,306 |
| Average equity | $20,172,500 | 3,155 |
| Average total loans | $32,893,500 | 4,537 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6456% | 5,155 |
| Cost of funding earning assets | 0.6352% | 3,487 |
| Net interest margin | 1.0105% | 5,157 |
| Noninterest income to average assets | 0.0336% | 5,066 |
| Noninterest expense to average assets | 7.2662% | 100 |
| Loan and lease loss provision to assets | 0.7577% | 139 |
| Net operating income to assets | -7.0353% | 5,175 |
| Return on assets (ROA) | -7.0353% | 5,175 |
| Pretax return on assets | -7.0353% | 5,175 |
| Return on Equity (ROE) | -16.0950% | 5,147 |
| Retained earnings to average equity (ytd only) | -16.0950% | 5,122 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 735.0318% | 5 |
| Assets per employee ($millions) | 3.7269% | 4,236 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2465% | 2,190 |
| 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 | 45.1403% | 4,553 |
| Net loans and leases to deposits | 66.5596% | 3,919 |
| Net loans and leases to core deposits | 77.4124% | 3,486 |
| Total domestic deposits to total assets | 67.8194% | 4,992 |
| Equity capital to assets | 31.8066% | 63 |
| Core capital (leverage) ratio | 35.1850% | 59 |
| Tier 1 risk-based capital ratio | 49.3041% | 136 |
| Total risk-based capital ratio | 50.1856% | 138 |
| Memoranda: | ||
| Average total assets | $47,645,333 | 4,790 |
| Average earning assets | $45,028,667 | 4,767 |
| Average equity | $20,826,333 | 3,052 |
| Average total loans | $17,197,333 | 4,927 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2492% | 5,246 |
| Cost of funding earning assets | 0.4248% | 4,420 |
| Net interest margin | 0.8244% | 5,244 |
| Noninterest income to average assets | 0.0033% | 5,205 |
| Noninterest expense to average assets | 9.0709% | 83 |
| Loan and lease loss provision to assets | 0.6400% | 173 |
| Net operating income to assets | -8.9403% | 5,254 |
| Return on assets (ROA) | -8.9403% | 5,254 |
| Pretax return on assets | -8.9403% | 5,254 |
| Return on Equity (ROE) | -16.8084% | 5,223 |
| Retained earnings to average equity (ytd only) | -16.8084% | 5,195 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 1,176.9565% | 4 |
| Assets per employee ($millions) | 3.0263% | 4,878 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2466% | 2,254 |
| 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 | 33.3319% | 5,000 |
| Net loans and leases to deposits | 63.0590% | 4,233 |
| Net loans and leases to core deposits | 84.0004% | 3,090 |
| Total domestic deposits to total assets | 52.8582% | 5,197 |
| Equity capital to assets | 46.0139% | 40 |
| Core capital (leverage) ratio | 51.3852% | 36 |
| Tier 1 risk-based capital ratio | 75.0306% | 63 |
| Total risk-based capital ratio | 75.7174% | 64 |
| Memoranda: | ||
| Average total assets | $39,789,000 | 4,966 |
| Average earning assets | $37,037,000 | 4,953 |
| Average equity | $21,163,500 | 3,051 |
| Average total loans | $11,315,500 | 5,115 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.3875% | 5,298 |
| Cost of funding earning assets | 0.0800% | 5,245 |
| Net interest margin | 0.3075% | 5,297 |
| Noninterest income to average assets | 0.0000% | 5,250 |
| Noninterest expense to average assets | 11.9943% | 57 |
| Loan and lease loss provision to assets | 0.5324% | 213 |
| Net operating income to assets | -12.2342% | 5,301 |
| Return on assets (ROA) | -12.2342% | 5,301 |
| Pretax return on assets | -12.2342% | 5,301 |
| Return on Equity (ROE) | -19.5065% | 5,278 |
| Retained earnings to average equity (ytd only) | -19.5065% | 5,248 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 4,100.0000% | 2 |
| Assets per employee ($millions) | 2.8486% | 4,992 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2450% | 2,284 |
| 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 | 21.1158% | 5,197 |
| Net loans and leases to deposits | 57.9480% | 4,518 |
| Net loans and leases to core deposits | 106.6805% | 1,202 |
| Total domestic deposits to total assets | 36.4392% | 5,266 |
| Equity capital to assets | 62.7183% | 33 |
| Core capital (leverage) ratio | 77.3355% | 27 |
| Tier 1 risk-based capital ratio | 127.7920% | 34 |
| Total risk-based capital ratio | 128.3346% | 34 |
| Memoranda: | ||
| Average total assets | $34,183,000 | 5,092 |
| Average earning assets | $32,518,000 | 5,069 |
| Average equity | $21,439,000 | 3,025 |
| Average total loans | $7,309,000 | 5,227 |