Home > Ohio State Bank > Performance and Condition Ratios
Ohio State Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0524% | 3,023 |
| Cost of funding earning assets | 3.3250% | 163 |
| Net interest margin | 1.7273% | 4,350 |
| Noninterest income to average assets | 0.0000% | 4,395 |
| Noninterest expense to average assets | 1.1638% | 4,353 |
| Loan and lease loss provision to assets | -0.0500% | 4,271 |
| Net operating income to assets | 0.4559% | 3,649 |
| Return on assets (ROA) | 0.4559% | 3,666 |
| Pretax return on assets | 0.5793% | 3,607 |
| Return on Equity (ROE) | 4.3000% | 3,670 |
| Retained earnings to average equity (ytd only) | 4.3040% | 2,771 |
| Net charge-offs to loans | 0.0000% | 2,326 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 68.8762% | 1,941 |
| Assets per employee ($millions) | 19.8014% | 103 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0977% | 2,733 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,773 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 87.0300% | 92 |
| Net loans and leases to deposits | 107.6864% | 202 |
| Net loans and leases to core deposits | 161.7995% | 110 |
| Total domestic deposits to total assets | 80.8100% | 3,504 |
| Equity capital to assets | 10.7085% | 1,815 |
| Core capital (leverage) ratio | 11.0770% | 1,983 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $457,142,500 | 1,912 |
| Average earning assets | $447,632,500 | 1,825 |
| Average equity | $48,420,500 | 1,799 |
| Average total loans | $402,400,500 | 1,555 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1445% | 2,844 |
| Cost of funding earning assets | 3.8565% | 90 |
| Net interest margin | 1.2881% | 4,403 |
| Noninterest income to average assets | 0.1000% | 4,209 |
| Noninterest expense to average assets | 1.3374% | 4,333 |
| Loan and lease loss provision to assets | -0.0900% | 4,358 |
| Net operating income to assets | 0.0886% | 4,102 |
| Return on assets (ROA) | 0.0886% | 4,129 |
| Pretax return on assets | 0.1151% | 4,111 |
| Return on Equity (ROE) | 0.8400% | 4,124 |
| Retained earnings to average equity (ytd only) | 0.8397% | 3,718 |
| Net charge-offs to loans | 0.0000% | 3,099 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 98.3874% | 303 |
| Assets per employee ($millions) | 19.9501% | 106 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0944% | 2,720 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 87.0900% | 112 |
| Net loans and leases to deposits | 103.9482% | 318 |
| Net loans and leases to core deposits | 155.9129% | 140 |
| Total domestic deposits to total assets | 83.7900% | 2,837 |
| Equity capital to assets | 10.4763% | 1,850 |
| Core capital (leverage) ratio | 10.6403% | 2,245 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $451,621,200 | 1,897 |
| Average earning assets | $441,984,600 | 1,814 |
| Average equity | $47,633,600 | 1,770 |
| Average total loans | $396,478,000 | 1,535 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0991% | 2,867 |
| Cost of funding earning assets | 3.9037% | 91 |
| Net interest margin | 1.1955% | 4,444 |
| Noninterest income to average assets | 0.0500% | 4,386 |
| Noninterest expense to average assets | 1.3341% | 4,354 |
| Loan and lease loss provision to assets | -0.1300% | 4,418 |
| Net operating income to assets | 0.0086% | 4,199 |
| Return on assets (ROA) | 0.0086% | 4,231 |
| Pretax return on assets | 0.0142% | 4,219 |
| Return on Equity (ROE) | 0.0800% | 4,227 |
| Retained earnings to average equity (ytd only) | 0.0814% | 3,943 |
| Net charge-offs to loans | 0.0000% | 2,849 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 109.8341% | 181 |
| Assets per employee ($millions) | 19.9661% | 107 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0821% | 2,852 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,861 |
| Noncurrent loans to loans | 0.0000% | 3,830 |
| Net loans and leases to total assets | 86.9300% | 116 |
| Net loans and leases to deposits | 102.0965% | 393 |
| Net loans and leases to core deposits | 159.6425% | 129 |
| Total domestic deposits to total assets | 85.1400% | 2,247 |
| Equity capital to assets | 10.4294% | 2,023 |
| Core capital (leverage) ratio | 10.6607% | 2,288 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $449,813,250 | 1,895 |
| Average earning assets | $440,088,750 | 1,823 |
| Average equity | $47,524,250 | 1,767 |
| Average total loans | $394,583,000 | 1,529 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 2 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0351% | 2,887 |
| Cost of funding earning assets | 3.8510% | 92 |
| Net interest margin | 1.1840% | 4,467 |
| Noninterest income to average assets | 0.1000% | 4,231 |
| Noninterest expense to average assets | 1.4104% | 4,333 |
| Loan and lease loss provision to assets | -0.1500% | 4,444 |
| Net operating income to assets | -0.0067% | 4,256 |
| Return on assets (ROA) | -0.0067% | 4,281 |
| Pretax return on assets | -0.0036% | 4,262 |
| Return on Equity (ROE) | -0.0600% | 4,261 |
| Retained earnings to average equity (ytd only) | -0.0633% | 3,922 |
| Net charge-offs to loans | 0.0000% | 2,619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 112.4598% | 169 |
| Assets per employee ($millions) | 17.2813% | 138 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1381% | 2,566 |
| 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 | 86.4600% | 135 |
| Net loans and leases to deposits | 104.8733% | 339 |
| Net loans and leases to core deposits | 168.0378% | 108 |
| Total domestic deposits to total assets | 82.4400% | 2,987 |
| Equity capital to assets | 10.5623% | 1,773 |
| Core capital (leverage) ratio | 10.6290% | 2,273 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $446,677,333 | 1,897 |
| Average earning assets | $436,816,000 | 1,826 |
| Average equity | $47,401,000 | 1,748 |
| Average total loans | $391,593,000 | 1,535 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8890% | 2,997 |
| Cost of funding earning assets | 3.6895% | 118 |
| Net interest margin | 1.1995% | 4,492 |
| Noninterest income to average assets | 0.1100% | 4,170 |
| Noninterest expense to average assets | 1.4864% | 4,297 |
| Loan and lease loss provision to assets | -0.2100% | 4,515 |
| Net operating income to assets | 0.0018% | 4,223 |
| Return on assets (ROA) | 0.0018% | 4,257 |
| Pretax return on assets | 0.0081% | 4,240 |
| Return on Equity (ROE) | 0.0200% | 4,250 |
| Retained earnings to average equity (ytd only) | 0.0169% | 3,693 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 115.4114% | 139 |
| Assets per employee ($millions) | 17.2891% | 146 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1578% | 2,504 |
| 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 | 86.3700% | 142 |
| Net loans and leases to deposits | 104.8060% | 308 |
| Net loans and leases to core deposits | 155.5581% | 179 |
| Total domestic deposits to total assets | 82.4100% | 3,106 |
| Equity capital to assets | 10.5433% | 1,703 |
| Core capital (leverage) ratio | 11.0566% | 1,929 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $445,358,500 | 1,907 |
| Average earning assets | $435,510,000 | 1,836 |
| Average equity | $47,372,500 | 1,737 |
| Average total loans | $390,924,500 | 1,537 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5773% | 2,951 |
| Cost of funding earning assets | 2.9605% | 157 |
| Net interest margin | 1.6169% | 4,496 |
| Noninterest income to average assets | 0.0700% | 4,379 |
| Noninterest expense to average assets | 1.4488% | 4,360 |
| Loan and lease loss provision to assets | 0.1500% | 868 |
| Net operating income to assets | 0.0362% | 4,298 |
| Return on assets (ROA) | 0.0362% | 4,326 |
| Pretax return on assets | 0.0520% | 4,308 |
| Return on Equity (ROE) | 0.3200% | 4,318 |
| Retained earnings to average equity (ytd only) | 0.3180% | 3,982 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 87.6561% | 495 |
| Assets per employee ($millions) | 17.6480% | 140 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2179% | 2,190 |
| 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 | 87.1000% | 114 |
| Net loans and leases to deposits | 106.2259% | 283 |
| Net loans and leases to core deposits | 148.8495% | 211 |
| Total domestic deposits to total assets | 82.0000% | 3,126 |
| Equity capital to assets | 10.7323% | 1,612 |
| Core capital (leverage) ratio | 11.1521% | 1,864 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $411,726,400 | 1,976 |
| Average earning assets | $402,134,000 | 1,900 |
| Average equity | $46,852,600 | 1,685 |
| Average total loans | $362,436,200 | 1,570 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4424% | 3,020 |
| Cost of funding earning assets | 2.7292% | 181 |
| Net interest margin | 1.7132% | 4,496 |
| Noninterest income to average assets | 0.1400% | 4,120 |
| Noninterest expense to average assets | 1.5602% | 4,271 |
| Loan and lease loss provision to assets | 0.2200% | 486 |
| Net operating income to assets | 0.0224% | 4,362 |
| Return on assets (ROA) | 0.0224% | 4,383 |
| Pretax return on assets | 0.0346% | 4,368 |
| Return on Equity (ROE) | 0.1900% | 4,371 |
| Retained earnings to average equity (ytd only) | 0.1940% | 4,078 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 85.9818% | 520 |
| Assets per employee ($millions) | 17.5670% | 127 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3253% | 1,758 |
| 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 | 86.0700% | 152 |
| Net loans and leases to deposits | 102.5464% | 411 |
| Net loans and leases to core deposits | 144.8887% | 174 |
| Total domestic deposits to total assets | 83.9400% | 2,794 |
| Equity capital to assets | 10.6106% | 1,507 |
| Core capital (leverage) ratio | 11.3496% | 1,764 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $404,133,500 | 2,002 |
| Average earning assets | $394,581,250 | 1,924 |
| Average equity | $46,728,000 | 1,677 |
| Average total loans | $355,784,750 | 1,590 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2458% | 3,203 |
| Cost of funding earning assets | 2.3960% | 229 |
| Net interest margin | 1.8498% | 4,527 |
| Noninterest income to average assets | 0.0900% | 4,358 |
| Noninterest expense to average assets | 1.5207% | 4,316 |
| Loan and lease loss provision to assets | 0.2600% | 365 |
| Net operating income to assets | 0.0917% | 4,369 |
| Return on assets (ROA) | 0.0917% | 4,404 |
| Pretax return on assets | 0.1223% | 4,382 |
| Return on Equity (ROE) | 0.7700% | 4,385 |
| Retained earnings to average equity (ytd only) | 0.7697% | 3,946 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 80.0429% | 839 |
| Assets per employee ($millions) | 18.4988% | 112 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3212% | 1,836 |
| 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 | 86.2800% | 138 |
| Net loans and leases to deposits | 105.9005% | 314 |
| Net loans and leases to core deposits | 145.2065% | 168 |
| Total domestic deposits to total assets | 81.4700% | 3,345 |
| Equity capital to assets | 11.0162% | 1,381 |
| Core capital (leverage) ratio | 12.3873% | 1,207 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $392,452,667 | 2,032 |
| Average earning assets | $382,966,667 | 1,969 |
| Average equity | $46,771,000 | 1,675 |
| Average total loans | $346,681,000 | 1,612 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2084% | 3,023 |
| Cost of funding earning assets | 2.1653% | 210 |
| Net interest margin | 2.0431% | 4,553 |
| Noninterest income to average assets | 0.0600% | 4,506 |
| Noninterest expense to average assets | 1.4289% | 4,448 |
| Loan and lease loss provision to assets | 0.1000% | 1,106 |
| Net operating income to assets | 0.4128% | 4,067 |
| Return on assets (ROA) | 0.4128% | 4,014 |
| Pretax return on assets | 0.5288% | 3,954 |
| Return on Equity (ROE) | 3.3200% | 4,136 |
| Retained earnings to average equity (ytd only) | 3.3218% | 3,430 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 69.4775% | 1,806 |
| Assets per employee ($millions) | 16.4780% | 154 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3354% | 1,873 |
| 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 | 87.8000% | 80 |
| Net loans and leases to deposits | 105.4010% | 268 |
| Net loans and leases to core deposits | 139.9438% | 183 |
| Total domestic deposits to total assets | 83.3000% | 3,240 |
| Equity capital to assets | 12.3989% | 895 |
| Core capital (leverage) ratio | 13.1042% | 951 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $375,943,000 | 2,121 |
| Average earning assets | $366,508,000 | 2,050 |
| Average equity | $46,721,000 | 1,691 |
| Average total loans | $334,021,500 | 1,667 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6959% | 2,534 |
| Cost of funding earning assets | 0.8981% | 257 |
| Net interest margin | 2.7978% | 3,900 |
| Noninterest income to average assets | 0.2800% | 3,464 |
| Noninterest expense to average assets | 1.8182% | 3,998 |
| Loan and lease loss provision to assets | 0.2300% | 422 |
| Net operating income to assets | 0.7581% | 3,462 |
| Return on assets (ROA) | 0.7581% | 3,399 |
| Pretax return on assets | 0.9660% | 3,173 |
| Return on Equity (ROE) | 5.8400% | 3,855 |
| Retained earnings to average equity (ytd only) | 5.8446% | 2,699 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 60.2875% | 3,018 |
| Assets per employee ($millions) | 16.2127% | 159 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2958% | 1,918 |
| 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 | 87.5500% | 88 |
| Net loans and leases to deposits | 101.4077% | 388 |
| Net loans and leases to core deposits | 113.2497% | 506 |
| Total domestic deposits to total assets | 86.3400% | 2,626 |
| Equity capital to assets | 12.4569% | 815 |
| Core capital (leverage) ratio | 12.6776% | 1,036 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $348,256,600 | 2,233 |
| Average earning assets | $340,834,800 | 2,149 |
| Average equity | $45,169,600 | 1,750 |
| Average total loans | $297,168,400 | 1,734 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4786% | 2,686 |
| Cost of funding earning assets | 0.5929% | 453 |
| Net interest margin | 2.8857% | 3,526 |
| Noninterest income to average assets | 0.3300% | 3,174 |
| Noninterest expense to average assets | 1.9514% | 3,625 |
| Loan and lease loss provision to assets | 0.2500% | 322 |
| Net operating income to assets | 0.7526% | 3,413 |
| Return on assets (ROA) | 0.7526% | 3,362 |
| Pretax return on assets | 0.9588% | 3,145 |
| Return on Equity (ROE) | 5.7400% | 3,843 |
| Retained earnings to average equity (ytd only) | 5.7406% | 2,842 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 61.7234% | 2,861 |
| Assets per employee ($millions) | 16.6216% | 158 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2963% | 2,041 |
| 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 | 78.7100% | 640 |
| Net loans and leases to deposits | 91.2323% | 811 |
| Net loans and leases to core deposits | 116.4029% | 325 |
| Total domestic deposits to total assets | 86.2800% | 2,990 |
| Equity capital to assets | 11.3605% | 1,052 |
| Core capital (leverage) ratio | 13.5737% | 766 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $342,097,500 | 2,267 |
| Average earning assets | $335,294,750 | 2,189 |
| Average equity | $44,849,250 | 1,780 |
| Average total loans | $288,768,500 | 1,773 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4264% | 2,354 |
| Cost of funding earning assets | 0.4059% | 882 |
| Net interest margin | 3.0206% | 2,826 |
| Noninterest income to average assets | 0.3491% | 3,063 |
| Noninterest expense to average assets | 2.0448% | 3,307 |
| Loan and lease loss provision to assets | 0.1950% | 436 |
| Net operating income to assets | 0.8448% | 2,800 |
| Return on assets (ROA) | 0.8448% | 2,773 |
| Pretax return on assets | 1.0756% | 2,496 |
| Return on Equity (ROE) | 6.1084% | 3,545 |
| Retained earnings to average equity (ytd only) | 6.1084% | 2,298 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6763% | 3,080 |
| Assets per employee ($millions) | 13.0620% | 283 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2898% | 2,239 |
| 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 | 88.9193% | 32 |
| Net loans and leases to deposits | 107.3569% | 111 |
| Net loans and leases to core deposits | 110.1365% | 350 |
| Total domestic deposits to total assets | 82.8259% | 3,898 |
| Equity capital to assets | 13.7878% | 550 |
| Core capital (leverage) ratio | 14.6515% | 521 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $323,157,333 | 2,373 |
| Average earning assets | $317,356,333 | 2,287 |
| Average equity | $44,692,667 | 1,843 |
| Average total loans | $278,981,667 | 1,812 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3727% | 2,171 |
| Cost of funding earning assets | 0.3559% | 1,157 |
| Net interest margin | 3.0168% | 2,450 |
| Noninterest income to average assets | 0.3994% | 2,691 |
| Noninterest expense to average assets | 1.9822% | 3,477 |
| Loan and lease loss provision to assets | 0.0460% | 1,539 |
| Net operating income to assets | 1.0502% | 1,692 |
| Return on assets (ROA) | 1.0502% | 1,684 |
| Pretax return on assets | 1.3352% | 1,424 |
| Return on Equity (ROE) | 7.5819% | 2,845 |
| Retained earnings to average equity (ytd only) | 7.5819% | 1,707 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9345% | 3,593 |
| Assets per employee ($millions) | 12.4906% | 350 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3250% | 2,239 |
| 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 | 83.8551% | 90 |
| Net loans and leases to deposits | 102.0571% | 142 |
| Net loans and leases to core deposits | 103.6796% | 407 |
| Total domestic deposits to total assets | 82.1648% | 4,053 |
| Equity capital to assets | 14.3359% | 473 |
| Core capital (leverage) ratio | 14.4737% | 512 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $321,461,000 | 2,389 |
| Average earning assets | $315,831,000 | 2,304 |
| Average equity | $44,527,000 | 1,905 |
| Average total loans | $271,392,500 | 1,832 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9926% | 3,886 |
| Cost of funding earning assets | 0.3650% | 1,808 |
| Net interest margin | 2.6276% | 4,007 |
| Noninterest income to average assets | 0.2330% | 3,987 |
| Noninterest expense to average assets | 1.7924% | 4,160 |
| Loan and lease loss provision to assets | 0.5336% | 100 |
| Net operating income to assets | 0.5746% | 3,931 |
| Return on assets (ROA) | 0.5746% | 3,973 |
| Pretax return on assets | 0.5011% | 4,257 |
| Return on Equity (ROE) | 3.9196% | 4,230 |
| Retained earnings to average equity (ytd only) | 3.9196% | 3,250 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4002% | 2,657 |
| Assets per employee ($millions) | 13.7774% | 254 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2541% | 2,605 |
| 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 | 82.8472% | 152 |
| Net loans and leases to deposits | 103.0896% | 143 |
| Net loans and leases to core deposits | 104.5393% | 398 |
| Total domestic deposits to total assets | 80.3642% | 4,182 |
| Equity capital to assets | 13.3939% | 795 |
| Core capital (leverage) ratio | 14.6071% | 518 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $292,740,000 | 2,471 |
| Average earning assets | $289,009,000 | 2,382 |
| Average equity | $42,912,200 | 1,979 |
| Average total loans | $213,339,000 | 2,145 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8603% | 4,224 |
| Cost of funding earning assets | 0.3696% | 1,941 |
| Net interest margin | 2.4908% | 4,292 |
| Noninterest income to average assets | 0.2415% | 3,950 |
| Noninterest expense to average assets | 1.8348% | 4,094 |
| Loan and lease loss provision to assets | 0.5761% | 90 |
| Net operating income to assets | 0.4782% | 4,241 |
| Return on assets (ROA) | 0.4782% | 4,286 |
| Pretax return on assets | 0.2923% | 4,597 |
| Return on Equity (ROE) | 3.1823% | 4,437 |
| Retained earnings to average equity (ytd only) | 3.1823% | 3,836 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8739% | 1,853 |
| Assets per employee ($millions) | 12.6507% | 324 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2541% | 2,711 |
| 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 | 85.0007% | 90 |
| Net loans and leases to deposits | 105.1373% | 146 |
| Net loans and leases to core deposits | 106.1230% | 404 |
| Total domestic deposits to total assets | 80.8473% | 4,114 |
| Equity capital to assets | 14.9770% | 545 |
| Core capital (leverage) ratio | 15.9497% | 393 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $283,260,750 | 2,539 |
| Average earning assets | $279,961,500 | 2,450 |
| Average equity | $42,568,250 | 2,017 |
| Average total loans | $197,319,000 | 2,285 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5611% | 4,575 |
| Cost of funding earning assets | 0.3813% | 2,040 |
| Net interest margin | 2.1798% | 4,612 |
| Noninterest income to average assets | 0.1810% | 4,296 |
| Noninterest expense to average assets | 1.7720% | 4,242 |
| Loan and lease loss provision to assets | 0.5643% | 83 |
| Net operating income to assets | 0.0036% | 4,769 |
| Return on assets (ROA) | 0.0036% | 4,778 |
| Pretax return on assets | 0.0036% | 4,779 |
| Return on Equity (ROE) | 0.0237% | 4,780 |
| Retained earnings to average equity (ytd only) | 0.0237% | 4,505 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7308% | 1,108 |
| Assets per employee ($millions) | 12.0477% | 344 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2544% | 2,666 |
| 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 | 88.5049% | 33 |
| Net loans and leases to deposits | 107.5470% | 135 |
| Net loans and leases to core deposits | 108.0927% | 412 |
| Total domestic deposits to total assets | 82.2941% | 3,864 |
| Equity capital to assets | 17.5399% | 293 |
| Core capital (leverage) ratio | 16.9477% | 311 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $280,692,000 | 2,551 |
| Average earning assets | $278,008,333 | 2,457 |
| Average equity | $42,231,667 | 2,022 |
| Average total loans | $179,603,667 | 2,437 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2423% | 4,781 |
| Cost of funding earning assets | 0.3701% | 2,353 |
| Net interest margin | 1.8722% | 4,784 |
| Noninterest income to average assets | 0.3434% | 3,377 |
| Noninterest expense to average assets | 1.6755% | 4,422 |
| Loan and lease loss provision to assets | 0.3008% | 310 |
| Net operating income to assets | 0.2249% | 4,614 |
| Return on assets (ROA) | 0.2249% | 4,638 |
| Pretax return on assets | 0.2249% | 4,664 |
| Return on Equity (ROE) | 1.6013% | 4,652 |
| Retained earnings to average equity (ytd only) | 1.6013% | 4,099 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1185% | 1,122 |
| Assets per employee ($millions) | 14.0742% | 230 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2599% | 2,618 |
| 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 | 66.2954% | 1,758 |
| Net loans and leases to deposits | 79.7851% | 1,540 |
| Net loans and leases to core deposits | 80.1655% | 1,989 |
| Total domestic deposits to total assets | 83.0924% | 3,664 |
| Equity capital to assets | 16.6818% | 337 |
| Core capital (leverage) ratio | 16.1933% | 367 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $300,561,000 | 2,437 |
| Average earning assets | $298,261,500 | 2,345 |
| Average equity | $42,216,000 | 2,016 |
| Average total loans | $161,423,000 | 2,585 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5878% | 4,828 |
| Cost of funding earning assets | 0.4206% | 3,454 |
| Net interest margin | 2.1672% | 4,775 |
| Noninterest income to average assets | 0.1786% | 4,391 |
| Noninterest expense to average assets | 1.9350% | 4,257 |
| Loan and lease loss provision to assets | 0.7137% | 220 |
| Net operating income to assets | -0.3174% | 4,842 |
| Return on assets (ROA) | -0.3174% | 4,859 |
| Pretax return on assets | -0.3174% | 4,849 |
| Return on Equity (ROE) | -1.3627% | 4,828 |
| Retained earnings to average equity (ytd only) | -1.3627% | 4,663 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.0024% | 691 |
| Assets per employee ($millions) | 20.4580% | 86 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2550% | 2,647 |
| 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 | 43.3703% | 4,281 |
| Net loans and leases to deposits | 49.4139% | 4,338 |
| Net loans and leases to core deposits | 49.6173% | 4,434 |
| Total domestic deposits to total assets | 87.7695% | 1,578 |
| Equity capital to assets | 12.1256% | 1,509 |
| Core capital (leverage) ratio | 20.5883% | 165 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $181,446,400 | 3,089 |
| Average earning assets | $180,228,600 | 2,998 |
| Average equity | $42,268,400 | 1,934 |
| Average total loans | $98,869,400 | 3,248 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0303% | 4,717 |
| Cost of funding earning assets | 0.5023% | 3,206 |
| Net interest margin | 2.5280% | 4,637 |
| Noninterest income to average assets | 0.2059% | 4,239 |
| Noninterest expense to average assets | 2.3613% | 3,250 |
| Loan and lease loss provision to assets | 0.8315% | 209 |
| Net operating income to assets | -0.4776% | 4,895 |
| Return on assets (ROA) | -0.4776% | 4,899 |
| Pretax return on assets | -0.4776% | 4,894 |
| Return on Equity (ROE) | -1.5794% | 4,854 |
| Retained earnings to average equity (ytd only) | -1.5794% | 4,670 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.9733% | 462 |
| Assets per employee ($millions) | 11.9471% | 324 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2558% | 2,374 |
| 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 | 65.5503% | 2,575 |
| Net loans and leases to deposits | 86.0013% | 1,708 |
| Net loans and leases to core deposits | 86.4462% | 2,279 |
| Total domestic deposits to total assets | 76.2201% | 4,403 |
| Equity capital to assets | 23.5723% | 117 |
| Core capital (leverage) ratio | 26.7555% | 79 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $139,861,500 | 3,502 |
| Average earning assets | $138,816,750 | 3,381 |
| Average equity | $42,292,750 | 1,918 |
| Average total loans | $85,398,500 | 3,494 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0455% | 4,819 |
| Cost of funding earning assets | 0.5894% | 3,021 |
| Net interest margin | 2.4561% | 4,757 |
| Noninterest income to average assets | 0.2698% | 3,863 |
| Noninterest expense to average assets | 2.4932% | 2,980 |
| Loan and lease loss provision to assets | 0.9704% | 222 |
| Net operating income to assets | -0.7543% | 4,941 |
| Return on assets (ROA) | -0.7543% | 4,937 |
| Pretax return on assets | -0.7543% | 4,930 |
| Return on Equity (ROE) | -2.2595% | 4,879 |
| Retained earnings to average equity (ytd only) | -2.2595% | 4,608 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.0210% | 342 |
| Assets per employee ($millions) | 9.9805% | 503 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2556% | 2,228 |
| 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 | 69.6215% | 2,090 |
| Net loans and leases to deposits | 100.0483% | 551 |
| Net loans and leases to core deposits | 100.3083% | 1,242 |
| Total domestic deposits to total assets | 69.5878% | 4,800 |
| Equity capital to assets | 30.2189% | 61 |
| Core capital (leverage) ratio | 30.8870% | 63 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $126,746,667 | 3,639 |
| Average earning assets | $125,891,000 | 3,521 |
| Average equity | $42,309,333 | 1,909 |
| Average total loans | $74,210,000 | 3,677 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0285% | 4,945 |
| Cost of funding earning assets | 0.8065% | 2,347 |
| Net interest margin | 2.2220% | 4,950 |
| Noninterest income to average assets | 0.4391% | 2,854 |
| Noninterest expense to average assets | 2.8007% | 2,428 |
| Loan and lease loss provision to assets | 1.0444% | 201 |
| Net operating income to assets | -1.1974% | 5,008 |
| Return on assets (ROA) | -1.1974% | 4,991 |
| Pretax return on assets | -1.1974% | 4,972 |
| Return on Equity (ROE) | -3.4001% | 4,886 |
| Retained earnings to average equity (ytd only) | -3.4001% | 4,398 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.7789% | 175 |
| Assets per employee ($millions) | 9.3228% | 473 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2551% | 2,363 |
| 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 | 56.4186% | 3,806 |
| Net loans and leases to deposits | 83.7707% | 2,261 |
| Net loans and leases to core deposits | 84.0106% | 2,853 |
| Total domestic deposits to total assets | 67.3488% | 4,940 |
| Equity capital to assets | 32.4405% | 59 |
| Core capital (leverage) ratio | 34.5159% | 55 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $120,256,500 | 3,701 |
| Average earning assets | $119,529,500 | 3,586 |
| Average equity | $42,352,000 | 1,900 |
| Average total loans | $62,056,500 | 3,925 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6846% | 5,154 |
| Cost of funding earning assets | 0.2261% | 4,904 |
| Net interest margin | 1.4585% | 5,138 |
| Noninterest income to average assets | 0.0412% | 5,056 |
| Noninterest expense to average assets | 3.4862% | 980 |
| Loan and lease loss provision to assets | 0.8276% | 120 |
| Net operating income to assets | -2.8222% | 5,143 |
| Return on assets (ROA) | -2.8222% | 5,143 |
| Pretax return on assets | -2.8222% | 5,141 |
| Return on Equity (ROE) | -4.9667% | 5,078 |
| Retained earnings to average equity (ytd only) | -4.9667% | 4,980 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 233.7199% | 17 |
| Assets per employee ($millions) | 8.4611% | 603 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2556% | 2,139 |
| 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 | 44.4733% | 4,582 |
| Net loans and leases to deposits | 72.5302% | 3,472 |
| Net loans and leases to core deposits | 72.5302% | 3,824 |
| Total domestic deposits to total assets | 61.3170% | 5,077 |
| Equity capital to assets | 38.5139% | 51 |
| Core capital (leverage) ratio | 49.0327% | 41 |
| Tier 1 risk-based capital ratio | 91.2367% | 49 |
| Total risk-based capital ratio | 92.4883% | 49 |
| Memoranda: | ||
| Average total assets | $75,153,667 | 4,361 |
| Average earning assets | $74,734,333 | 4,275 |
| Average equity | $42,704,333 | 1,826 |
| Average total loans | $29,265,333 | 4,657 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4308% | 5,242 |
| Cost of funding earning assets | 0.1092% | 5,170 |
| Net interest margin | 1.3216% | 5,228 |
| Noninterest income to average assets | 0.0116% | 5,185 |
| Noninterest expense to average assets | 4.0114% | 522 |
| Loan and lease loss provision to assets | 0.8360% | 124 |
| Net operating income to assets | -3.5218% | 5,231 |
| Return on assets (ROA) | -3.5218% | 5,232 |
| Pretax return on assets | -3.5218% | 5,230 |
| Return on Equity (ROE) | -4.7423% | 5,156 |
| Retained earnings to average equity (ytd only) | -4.7423% | 5,056 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 302.6132% | 11 |
| Assets per employee ($millions) | 5.1882% | 2,354 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2546% | 2,212 |
| 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 | 42.2435% | 4,748 |
| Net loans and leases to deposits | 115.4597% | 126 |
| Net loans and leases to core deposits | 115.4597% | 680 |
| Total domestic deposits to total assets | 36.5872% | 5,221 |
| Equity capital to assets | 63.2556% | 34 |
| Core capital (leverage) ratio | 74.7809% | 28 |
| Tier 1 risk-based capital ratio | 151.1675% | 32 |
| Total risk-based capital ratio | 152.4147% | 32 |
| Memoranda: | ||
| Average total assets | $57,733,500 | 4,695 |
| Average earning assets | $57,403,500 | 4,622 |
| Average equity | $42,875,000 | 1,831 |
| Average total loans | $19,128,000 | 4,956 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.9172% | 5,293 |
| Cost of funding earning assets | 0.0251% | 5,280 |
| Net interest margin | 0.8921% | 5,289 |
| Noninterest income to average assets | 0.0000% | 5,250 |
| Noninterest expense to average assets | 4.4898% | 313 |
| Loan and lease loss provision to assets | 0.4790% | 246 |
| Net operating income to assets | -4.0816% | 5,284 |
| Return on assets (ROA) | -4.0816% | 5,284 |
| Pretax return on assets | -4.0816% | 5,284 |
| Return on Equity (ROE) | -4.5490% | 5,201 |
| Retained earnings to average equity (ytd only) | -4.5490% | 5,042 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 506.1033% | 6 |
| Assets per employee ($millions) | 4.0017% | 3,859 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2231% | 2,398 |
| 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 | 19.3399% | 5,210 |
| Net loans and leases to deposits | 191.0119% | 8 |
| Net loans and leases to core deposits | 191.0119% | 49 |
| Total domestic deposits to total assets | 10.1249% | 5,286 |
| Equity capital to assets | 89.7251% | 13 |
| Core capital (leverage) ratio | 94.2327% | 11 |
| Tier 1 risk-based capital ratio | 314.7491% | 14 |
| Total risk-based capital ratio | 315.5892% | 14 |
| Memoranda: | ||
| Average total assets | $48,020,000 | 4,888 |
| Average earning assets | $47,753,000 | 4,817 |
| Average equity | $43,086,000 | 1,828 |
| Average total loans | $9,402,000 | 5,188 |