Home > Studio Bank > Performance and Condition Ratios
Studio 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 | 5.9623% | 1,231 |
| Cost of funding earning assets | 2.9337% | 370 |
| Net interest margin | 3.0286% | 3,340 |
| Noninterest income to average assets | 0.4400% | 2,021 |
| Noninterest expense to average assets | 2.2923% | 2,860 |
| Loan and lease loss provision to assets | 0.0800% | 1,535 |
| Net operating income to assets | 0.7519% | 2,969 |
| Return on assets (ROA) | 0.7519% | 2,974 |
| Pretax return on assets | 0.9355% | 2,881 |
| Return on Equity (ROE) | 8.1700% | 2,822 |
| Retained earnings to average equity (ytd only) | 8.1702% | 1,648 |
| Net charge-offs to loans | 0.0005% | 2,315 |
| Credit loss provision to net charge-offs | 5,800.0000% | 79 |
| Earnings coverage of net charge-offs (x) | 2,623.0000% | 17 |
| Efficiency ratio | 69.3324% | 1,900 |
| Assets per employee ($millions) | 10.7090% | 641 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1749% | 2,322 |
| Loan loss allowance to noncurrent loans | 197.8645% | 2,163 |
| Noncurrent assets plus other real estate owned to assets | 0.5673% | 1,317 |
| Noncurrent loans to loans | 0.5938% | 1,656 |
| Net loans and leases to total assets | 72.7700% | 1,492 |
| Net loans and leases to deposits | 82.6080% | 1,825 |
| Net loans and leases to core deposits | 108.9337% | 889 |
| Total domestic deposits to total assets | 88.0900% | 1,529 |
| Equity capital to assets | 9.1944% | 2,790 |
| Core capital (leverage) ratio | 9.8028% | 2,990 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0461% | 2,193 |
| Memoranda: | ||
| Average total assets | $1,034,750,000 | 988 |
| Average earning assets | $978,011,500 | 966 |
| Average equity | $95,224,500 | 1,081 |
| Average total loans | $766,989,000 | 955 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2840% | 931 |
| Cost of funding earning assets | 3.4491% | 205 |
| Net interest margin | 2.8349% | 3,429 |
| Noninterest income to average assets | 0.4700% | 2,077 |
| Noninterest expense to average assets | 2.0322% | 3,540 |
| Loan and lease loss provision to assets | 0.0600% | 2,000 |
| Net operating income to assets | 0.8413% | 2,573 |
| Return on assets (ROA) | 0.8413% | 2,581 |
| Pretax return on assets | 1.0600% | 2,349 |
| Return on Equity (ROE) | 9.2900% | 2,374 |
| Retained earnings to average equity (ytd only) | 6.9802% | 1,439 |
| Net charge-offs to loans | 0.0257% | 2,054 |
| Credit loss provision to net charge-offs | 167.6923% | 1,293 |
| Earnings coverage of net charge-offs (x) | 57.4615% | 1,124 |
| Efficiency ratio | 64.5164% | 2,673 |
| Assets per employee ($millions) | 10.9679% | 577 |
| Cash dividends to net income (ytd only)* | 24.8992% | 2,781 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1853% | 2,245 |
| Loan loss allowance to noncurrent loans | 201.2043% | 2,163 |
| Noncurrent assets plus other real estate owned to assets | 0.7107% | 1,038 |
| Noncurrent loans to loans | 0.5891% | 1,621 |
| Net loans and leases to total assets | 73.7400% | 1,437 |
| Net loans and leases to deposits | 88.7475% | 1,326 |
| Net loans and leases to core deposits | 112.1075% | 853 |
| Total domestic deposits to total assets | 83.0900% | 3,008 |
| Equity capital to assets | 9.2111% | 2,663 |
| Core capital (leverage) ratio | 9.6548% | 3,067 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1033% | 2,180 |
| Memoranda: | ||
| Average total assets | $1,002,500,000 | 1,007 |
| Average earning assets | $947,550,000 | 981 |
| Average equity | $90,742,800 | 1,097 |
| Average total loans | $759,075,400 | 943 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2721% | 916 |
| Cost of funding earning assets | 3.4967% | 202 |
| Net interest margin | 2.7754% | 3,489 |
| Noninterest income to average assets | 0.4600% | 2,078 |
| Noninterest expense to average assets | 1.9992% | 3,571 |
| Loan and lease loss provision to assets | 0.0300% | 2,381 |
| Net operating income to assets | 0.7941% | 2,710 |
| Return on assets (ROA) | 0.7941% | 2,726 |
| Pretax return on assets | 1.0518% | 2,379 |
| Return on Equity (ROE) | 8.8100% | 2,514 |
| Retained earnings to average equity (ytd only) | 5.7000% | 2,202 |
| Net charge-offs to loans | 0.0037% | 2,579 |
| Credit loss provision to net charge-offs | 738.0952% | 491 |
| Earnings coverage of net charge-offs (x) | 386.4762% | 304 |
| Efficiency ratio | 64.8384% | 2,615 |
| Assets per employee ($millions) | 11.5025% | 482 |
| Cash dividends to net income (ytd only)* | 35.3238% | 1,949 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1938% | 2,249 |
| Loan loss allowance to noncurrent loans | 110.1306% | 2,917 |
| Noncurrent assets plus other real estate owned to assets | 0.8094% | 841 |
| Noncurrent loans to loans | 1.0839% | 917 |
| Net loans and leases to total assets | 73.7800% | 1,393 |
| Net loans and leases to deposits | 92.8918% | 964 |
| Net loans and leases to core deposits | 118.2442% | 659 |
| Total domestic deposits to total assets | 79.4300% | 3,549 |
| Equity capital to assets | 9.1879% | 2,892 |
| Core capital (leverage) ratio | 9.6979% | 3,099 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0986% | 2,209 |
| Memoranda: | ||
| Average total assets | $998,120,500 | 1,003 |
| Average earning assets | $944,181,750 | 984 |
| Average equity | $89,939,750 | 1,099 |
| Average total loans | $758,555,250 | 940 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2026% | 910 |
| Cost of funding earning assets | 3.4664% | 190 |
| Net interest margin | 2.7362% | 3,528 |
| Noninterest income to average assets | 0.4600% | 2,045 |
| Noninterest expense to average assets | 1.9983% | 3,562 |
| Loan and lease loss provision to assets | -0.0100% | 4,151 |
| Net operating income to assets | 0.8005% | 2,624 |
| Return on assets (ROA) | 0.8005% | 2,640 |
| Pretax return on assets | 1.0594% | 2,314 |
| Return on Equity (ROE) | 8.9400% | 2,469 |
| Retained earnings to average equity (ytd only) | 6.9187% | 1,679 |
| Net charge-offs to loans | 0.0018% | 2,496 |
| Credit loss provision to net charge-offs | -1,714.2857% | 4,531 |
| Earnings coverage of net charge-offs (x) | 743.7143% | 154 |
| Efficiency ratio | 65.5961% | 2,590 |
| Assets per employee ($millions) | 11.9165% | 426 |
| Cash dividends to net income (ytd only)* | 22.6358% | 2,435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1349% | 2,580 |
| Loan loss allowance to noncurrent loans | 89.1262% | 3,185 |
| Noncurrent assets plus other real estate owned to assets | 0.9821% | 614 |
| Noncurrent loans to loans | 1.2734% | 711 |
| Net loans and leases to total assets | 76.2500% | 1,144 |
| Net loans and leases to deposits | 96.9551% | 719 |
| Net loans and leases to core deposits | 119.5416% | 648 |
| Total domestic deposits to total assets | 78.6500% | 3,629 |
| Equity capital to assets | 9.0357% | 2,710 |
| Core capital (leverage) ratio | 9.7688% | 3,004 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6435% | 2,375 |
| Memoranda: | ||
| Average total assets | $993,420,000 | 1,012 |
| Average earning assets | $939,124,333 | 985 |
| Average equity | $88,919,000 | 1,102 |
| Average total loans | $759,456,333 | 936 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1464% | 894 |
| Cost of funding earning assets | 3.4857% | 163 |
| Net interest margin | 2.6607% | 3,637 |
| Noninterest income to average assets | 0.4700% | 1,919 |
| Noninterest expense to average assets | 2.0108% | 3,550 |
| Loan and lease loss provision to assets | 0.0600% | 1,561 |
| Net operating income to assets | 0.7118% | 2,805 |
| Return on assets (ROA) | 0.7118% | 2,825 |
| Pretax return on assets | 0.9195% | 2,616 |
| Return on Equity (ROE) | 7.9900% | 2,696 |
| Retained earnings to average equity (ytd only) | 3.9067% | 2,736 |
| Net charge-offs to loans | 0.0011% | 2,191 |
| Credit loss provision to net charge-offs | -5,000.0000% | 4,579 |
| Earnings coverage of net charge-offs (x) | 1,206.5000% | 68 |
| Efficiency ratio | 67.3389% | 2,453 |
| Assets per employee ($millions) | 12.3683% | 383 |
| Cash dividends to net income (ytd only)* | 51.1073% | 1,256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1684% | 2,441 |
| Loan loss allowance to noncurrent loans | 81.3686% | 3,320 |
| Noncurrent assets plus other real estate owned to assets | 1.0914% | 510 |
| Noncurrent loans to loans | 1.4359% | 565 |
| Net loans and leases to total assets | 75.1200% | 1,187 |
| Net loans and leases to deposits | 97.6778% | 611 |
| Net loans and leases to core deposits | 122.6372% | 557 |
| Total domestic deposits to total assets | 76.9100% | 3,911 |
| Equity capital to assets | 8.9422% | 2,715 |
| Core capital (leverage) ratio | 9.6185% | 3,106 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6147% | 2,382 |
| Memoranda: | ||
| Average total assets | $989,637,500 | 1,017 |
| Average earning assets | $936,744,000 | 988 |
| Average equity | $88,155,500 | 1,108 |
| Average total loans | $753,157,500 | 941 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7029% | 923 |
| Cost of funding earning assets | 2.9043% | 173 |
| Net interest margin | 2.7986% | 3,666 |
| Noninterest income to average assets | 0.3400% | 2,844 |
| Noninterest expense to average assets | 2.1391% | 3,298 |
| Loan and lease loss provision to assets | 0.2500% | 462 |
| Net operating income to assets | 0.4541% | 3,761 |
| Return on assets (ROA) | 0.4541% | 3,759 |
| Pretax return on assets | 0.6254% | 3,589 |
| Return on Equity (ROE) | 4.6300% | 3,790 |
| Retained earnings to average equity (ytd only) | -1.2386% | 4,208 |
| Net charge-offs to loans | -0.0027% | 3,730 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 70.9201% | 1,771 |
| Assets per employee ($millions) | 12.5293% | 366 |
| Cash dividends to net income (ytd only)* | 126.7709% | 148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1785% | 2,417 |
| Loan loss allowance to noncurrent loans | 149.7221% | 2,866 |
| Noncurrent assets plus other real estate owned to assets | 0.5998% | 918 |
| Noncurrent loans to loans | 0.7871% | 985 |
| Net loans and leases to total assets | 75.3000% | 1,206 |
| Net loans and leases to deposits | 97.5906% | 672 |
| Net loans and leases to core deposits | 124.5546% | 520 |
| Total domestic deposits to total assets | 77.1600% | 3,833 |
| Equity capital to assets | 8.8736% | 2,771 |
| Core capital (leverage) ratio | 9.7523% | 3,013 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9107% | 2,268 |
| Memoranda: | ||
| Average total assets | $901,600,600 | 1,081 |
| Average earning assets | $860,608,400 | 1,043 |
| Average equity | $88,490,000 | 1,045 |
| Average total loans | $694,175,400 | 971 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5517% | 957 |
| Cost of funding earning assets | 2.7156% | 187 |
| Net interest margin | 2.8361% | 3,665 |
| Noninterest income to average assets | 0.3500% | 2,790 |
| Noninterest expense to average assets | 2.2226% | 3,017 |
| Loan and lease loss provision to assets | 0.2200% | 486 |
| Net operating income to assets | 0.4828% | 3,797 |
| Return on assets (ROA) | 0.4828% | 3,801 |
| Pretax return on assets | 0.6221% | 3,705 |
| Return on Equity (ROE) | 4.7900% | 3,845 |
| Retained earnings to average equity (ytd only) | 4.7900% | 3,006 |
| Net charge-offs to loans | -0.0037% | 3,682 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 72.4694% | 1,518 |
| Assets per employee ($millions) | 11.7379% | 405 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1089% | 2,817 |
| Loan loss allowance to noncurrent loans | 142.9607% | 2,876 |
| Noncurrent assets plus other real estate owned to assets | 0.6028% | 978 |
| Noncurrent loans to loans | 0.7757% | 1,068 |
| Net loans and leases to total assets | 76.8500% | 1,011 |
| Net loans and leases to deposits | 87.9930% | 1,389 |
| Net loans and leases to core deposits | 130.7660% | 333 |
| Total domestic deposits to total assets | 87.3400% | 1,784 |
| Equity capital to assets | 9.6472% | 2,018 |
| Core capital (leverage) ratio | 10.3784% | 2,501 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4149% | 2,109 |
| Memoranda: | ||
| Average total assets | $879,547,000 | 1,107 |
| Average earning assets | $841,087,500 | 1,071 |
| Average equity | $88,654,500 | 1,039 |
| Average total loans | $679,157,750 | 984 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2501% | 1,149 |
| Cost of funding earning assets | 2.4015% | 227 |
| Net interest margin | 2.8486% | 3,736 |
| Noninterest income to average assets | 0.3000% | 3,097 |
| Noninterest expense to average assets | 2.2989% | 2,807 |
| Loan and lease loss provision to assets | 0.1300% | 871 |
| Net operating income to assets | 0.4618% | 3,888 |
| Return on assets (ROA) | 0.4618% | 3,895 |
| Pretax return on assets | 0.6012% | 3,801 |
| Return on Equity (ROE) | 4.5100% | 3,952 |
| Retained earnings to average equity (ytd only) | 4.5131% | 3,079 |
| Net charge-offs to loans | -0.0057% | 3,746 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 75.9714% | 1,177 |
| Assets per employee ($millions) | 11.3164% | 468 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0105% | 3,385 |
| 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 | 73.6700% | 1,331 |
| Net loans and leases to deposits | 82.1354% | 1,816 |
| Net loans and leases to core deposits | 116.2147% | 621 |
| Total domestic deposits to total assets | 89.7000% | 1,012 |
| Equity capital to assets | 9.5211% | 2,146 |
| Core capital (leverage) ratio | 11.2582% | 1,761 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6894% | 2,024 |
| Memoranda: | ||
| Average total assets | $867,543,667 | 1,104 |
| Average earning assets | $829,051,000 | 1,079 |
| Average equity | $88,764,000 | 1,031 |
| Average total loans | $668,372,667 | 986 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1933% | 960 |
| Cost of funding earning assets | 2.1474% | 215 |
| Net interest margin | 3.0459% | 3,477 |
| Noninterest income to average assets | 0.2900% | 3,144 |
| Noninterest expense to average assets | 2.4889% | 2,277 |
| Loan and lease loss provision to assets | 0.0600% | 1,589 |
| Net operating income to assets | 0.5045% | 3,886 |
| Return on assets (ROA) | 0.5045% | 3,848 |
| Pretax return on assets | 0.6498% | 3,758 |
| Return on Equity (ROE) | 4.7400% | 3,923 |
| Retained earnings to average equity (ytd only) | 4.7449% | 3,073 |
| Net charge-offs to loans | -0.0116% | 3,904 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 77.8664% | 1,016 |
| Assets per employee ($millions) | 9.8077% | 740 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0089% | 3,479 |
| 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 | 77.3300% | 842 |
| Net loans and leases to deposits | 88.5522% | 1,161 |
| Net loans and leases to core deposits | 112.5723% | 629 |
| Total domestic deposits to total assets | 87.3200% | 2,156 |
| Equity capital to assets | 10.5754% | 1,529 |
| Core capital (leverage) ratio | 11.8076% | 1,394 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7869% | 1,687 |
| Memoranda: | ||
| Average total assets | $831,685,000 | 1,160 |
| Average earning assets | $792,399,000 | 1,122 |
| Average equity | $88,432,000 | 1,049 |
| Average total loans | $653,035,500 | 1,014 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1541% | 1,344 |
| Cost of funding earning assets | 0.7274% | 515 |
| Net interest margin | 3.4267% | 2,160 |
| Noninterest income to average assets | 0.5300% | 1,938 |
| Noninterest expense to average assets | 2.5881% | 1,861 |
| Loan and lease loss provision to assets | 0.4100% | 166 |
| Net operating income to assets | 0.6781% | 3,680 |
| Return on assets (ROA) | 0.6781% | 3,630 |
| Pretax return on assets | 0.8024% | 3,618 |
| Return on Equity (ROE) | 6.7300% | 3,689 |
| Retained earnings to average equity (ytd only) | 6.7320% | 2,351 |
| Net charge-offs to loans | 0.0052% | 2,244 |
| Credit loss provision to net charge-offs | 10,777.7778% | 67 |
| Earnings coverage of net charge-offs (x) | 321.2963% | 468 |
| Efficiency ratio | 68.1873% | 1,937 |
| Assets per employee ($millions) | 9.5339% | 774 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1427% | 2,685 |
| 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 | 78.0400% | 793 |
| Net loans and leases to deposits | 89.4716% | 1,090 |
| Net loans and leases to core deposits | 95.8923% | 1,212 |
| Total domestic deposits to total assets | 87.2200% | 2,320 |
| Equity capital to assets | 10.6920% | 1,379 |
| Core capital (leverage) ratio | 12.2725% | 1,166 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7610% | 1,706 |
| Memoranda: | ||
| Average total assets | $718,447,200 | 1,288 |
| Average earning assets | $684,236,800 | 1,254 |
| Average equity | $72,370,600 | 1,221 |
| Average total loans | $519,334,400 | 1,144 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8540% | 1,603 |
| Cost of funding earning assets | 0.4289% | 1,104 |
| Net interest margin | 3.4251% | 1,893 |
| Noninterest income to average assets | 0.5800% | 1,791 |
| Noninterest expense to average assets | 2.7059% | 1,458 |
| Loan and lease loss provision to assets | 0.4200% | 130 |
| Net operating income to assets | 0.5598% | 3,941 |
| Return on assets (ROA) | 0.5598% | 3,888 |
| Pretax return on assets | 0.7193% | 3,763 |
| Return on Equity (ROE) | 5.6600% | 3,858 |
| Retained earnings to average equity (ytd only) | 5.6602% | 2,872 |
| Net charge-offs to loans | 0.0074% | 1,868 |
| Credit loss provision to net charge-offs | 8,118.5185% | 70 |
| Earnings coverage of net charge-offs (x) | 219.6667% | 590 |
| Efficiency ratio | 70.3406% | 1,718 |
| Assets per employee ($millions) | 8.5980% | 1,028 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1454% | 2,815 |
| 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 | 78.8600% | 628 |
| Net loans and leases to deposits | 93.8750% | 645 |
| Net loans and leases to core deposits | 98.6985% | 871 |
| Total domestic deposits to total assets | 84.0100% | 3,507 |
| Equity capital to assets | 11.6567% | 954 |
| Core capital (leverage) ratio | 12.3832% | 1,094 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7283% | 1,497 |
| Memoranda: | ||
| Average total assets | $693,081,000 | 1,326 |
| Average earning assets | $660,320,500 | 1,298 |
| Average equity | $68,547,000 | 1,286 |
| Average total loans | $487,363,750 | 1,198 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4933% | 2,166 |
| Cost of funding earning assets | 0.2768% | 1,938 |
| Net interest margin | 3.2165% | 2,138 |
| Noninterest income to average assets | 0.6601% | 1,498 |
| Noninterest expense to average assets | 2.7500% | 1,267 |
| Loan and lease loss provision to assets | 0.4200% | 136 |
| Net operating income to assets | 0.4497% | 4,002 |
| Return on assets (ROA) | 0.4497% | 3,955 |
| Pretax return on assets | 0.5605% | 3,902 |
| Return on Equity (ROE) | 4.8572% | 3,843 |
| Retained earnings to average equity (ytd only) | 4.8572% | 2,762 |
| Net charge-offs to loans | 0.0119% | 1,552 |
| Credit loss provision to net charge-offs | 5,292.5926% | 109 |
| Earnings coverage of net charge-offs (x) | 123.5556% | 724 |
| Efficiency ratio | 73.7178% | 1,541 |
| Assets per employee ($millions) | 9.2648% | 815 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1402% | 2,983 |
| 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 | 66.6945% | 1,610 |
| Net loans and leases to deposits | 74.3714% | 1,827 |
| Net loans and leases to core deposits | 85.8531% | 1,345 |
| Total domestic deposits to total assets | 89.6777% | 1,856 |
| Equity capital to assets | 9.0056% | 2,384 |
| Core capital (leverage) ratio | 10.4472% | 1,990 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8656% | 2,114 |
| Memoranda: | ||
| Average total assets | $680,499,000 | 1,346 |
| Average earning assets | $649,585,333 | 1,328 |
| Average equity | $62,999,333 | 1,391 |
| Average total loans | $455,475,000 | 1,255 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4475% | 1,953 |
| Cost of funding earning assets | 0.2371% | 2,298 |
| Net interest margin | 3.2105% | 1,857 |
| Noninterest income to average assets | 0.7733% | 1,105 |
| Noninterest expense to average assets | 2.9378% | 903 |
| Loan and lease loss provision to assets | 0.3143% | 188 |
| Net operating income to assets | 0.4614% | 3,809 |
| Return on assets (ROA) | 0.4614% | 3,772 |
| Pretax return on assets | 0.5859% | 3,673 |
| Return on Equity (ROE) | 4.9037% | 3,651 |
| Retained earnings to average equity (ytd only) | 4.9037% | 2,623 |
| Net charge-offs to loans | 0.0255% | 1,063 |
| Credit loss provision to net charge-offs | 1,851.8519% | 226 |
| Earnings coverage of net charge-offs (x) | 53.0370% | 906 |
| Efficiency ratio | 76.5438% | 1,459 |
| Assets per employee ($millions) | 8.3752% | 1,175 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1321% | 3,187 |
| 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 | 65.8122% | 1,425 |
| Net loans and leases to deposits | 73.7215% | 1,631 |
| Net loans and leases to core deposits | 78.1332% | 1,603 |
| Total domestic deposits to total assets | 89.2715% | 1,944 |
| Equity capital to assets | 9.8392% | 2,012 |
| Core capital (leverage) ratio | 11.6029% | 1,231 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4903% | 1,996 |
| Memoranda: | ||
| Average total assets | $636,260,500 | 1,421 |
| Average earning assets | $607,388,500 | 1,395 |
| Average equity | $59,873,500 | 1,488 |
| Average total loans | $423,822,500 | 1,314 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5438% | 2,529 |
| Cost of funding earning assets | 0.3133% | 2,265 |
| Net interest margin | 3.2305% | 2,514 |
| Noninterest income to average assets | 1.3178% | 618 |
| Noninterest expense to average assets | 3.2703% | 657 |
| Loan and lease loss provision to assets | 0.2706% | 321 |
| Net operating income to assets | 1.2762% | 1,674 |
| Return on assets (ROA) | 1.2762% | 1,729 |
| Pretax return on assets | 0.8585% | 3,600 |
| Return on Equity (ROE) | 12.5534% | 1,627 |
| Retained earnings to average equity (ytd only) | 12.5534% | 462 |
| Net charge-offs to loans | 0.0009% | 2,659 |
| Credit loss provision to net charge-offs | 44,900.0000% | 12 |
| Earnings coverage of net charge-offs (x) | 1,873.6667% | 74 |
| Efficiency ratio | 74.3368% | 1,269 |
| Assets per employee ($millions) | 8.3683% | 1,137 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1082% | 3,323 |
| Loan loss allowance to noncurrent loans | 21,490.4762% | 83 |
| Noncurrent assets plus other real estate owned to assets | 0.0034% | 4,145 |
| Noncurrent loans to loans | 0.0052% | 4,073 |
| Net loans and leases to total assets | 65.9222% | 1,477 |
| Net loans and leases to deposits | 73.5991% | 1,763 |
| Net loans and leases to core deposits | 78.2478% | 1,737 |
| Total domestic deposits to total assets | 89.5692% | 1,193 |
| Equity capital to assets | 8.9456% | 3,683 |
| Core capital (leverage) ratio | 9.6547% | 2,706 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9979% | 2,631 |
| Memoranda: | ||
| Average total assets | $497,869,600 | 1,703 |
| Average earning assets | $474,908,400 | 1,673 |
| Average equity | $50,615,600 | 1,745 |
| Average total loans | $341,695,600 | 1,550 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5104% | 2,802 |
| Cost of funding earning assets | 0.3317% | 2,278 |
| Net interest margin | 3.1787% | 2,797 |
| Noninterest income to average assets | 1.4846% | 555 |
| Noninterest expense to average assets | 3.4180% | 517 |
| Loan and lease loss provision to assets | 0.2981% | 270 |
| Net operating income to assets | 0.7549% | 3,642 |
| Return on assets (ROA) | 0.7549% | 3,705 |
| Pretax return on assets | 0.7964% | 3,896 |
| Return on Equity (ROE) | 7.1466% | 3,631 |
| Retained earnings to average equity (ytd only) | 7.1466% | 2,359 |
| Net charge-offs to loans | 0.0012% | 2,391 |
| Credit loss provision to net charge-offs | 35,000.0000% | 18 |
| Earnings coverage of net charge-offs (x) | 1,285.0000% | 122 |
| Efficiency ratio | 75.7456% | 1,052 |
| Assets per employee ($millions) | 8.1475% | 1,209 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0937% | 3,467 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 68.8166% | 1,215 |
| Net loans and leases to deposits | 77.0017% | 1,574 |
| Net loans and leases to core deposits | 82.6370% | 1,526 |
| Total domestic deposits to total assets | 89.3702% | 1,085 |
| Equity capital to assets | 9.1439% | 3,704 |
| Core capital (leverage) ratio | 10.1439% | 2,359 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2781% | 2,622 |
| Memoranda: | ||
| Average total assets | $469,616,000 | 1,797 |
| Average earning assets | $447,348,250 | 1,770 |
| Average equity | $49,607,750 | 1,790 |
| Average total loans | $325,314,250 | 1,637 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4761% | 2,955 |
| Cost of funding earning assets | 0.3525% | 2,300 |
| Net interest margin | 3.1236% | 2,974 |
| Noninterest income to average assets | 1.7061% | 430 |
| Noninterest expense to average assets | 3.5694% | 426 |
| Loan and lease loss provision to assets | 0.1558% | 755 |
| Net operating income to assets | 0.8993% | 3,223 |
| Return on assets (ROA) | 0.8993% | 3,303 |
| Pretax return on assets | 0.9518% | 3,542 |
| Return on Equity (ROE) | 8.0598% | 3,393 |
| Retained earnings to average equity (ytd only) | 8.0598% | 2,051 |
| Net charge-offs to loans | 0.0007% | 2,224 |
| Credit loss provision to net charge-offs | 34,400.0000% | 12 |
| Earnings coverage of net charge-offs (x) | 2,445.0000% | 35 |
| Efficiency ratio | 76.3173% | 1,053 |
| Assets per employee ($millions) | 7.0180% | 1,795 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0643% | 3,572 |
| 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 | 69.4319% | 1,270 |
| Net loans and leases to deposits | 79.2677% | 1,486 |
| Net loans and leases to core deposits | 86.0191% | 1,414 |
| Total domestic deposits to total assets | 87.5917% | 2,042 |
| Equity capital to assets | 10.6929% | 2,231 |
| Core capital (leverage) ratio | 11.4943% | 1,313 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0451% | 1,954 |
| Memoranda: | ||
| Average total assets | $441,478,333 | 1,874 |
| Average earning assets | $419,893,667 | 1,845 |
| Average equity | $49,257,000 | 1,796 |
| Average total loans | $305,259,000 | 1,716 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4100% | 3,165 |
| Cost of funding earning assets | 0.3729% | 2,330 |
| Net interest margin | 3.0372% | 3,165 |
| Noninterest income to average assets | 2.0519% | 357 |
| Noninterest expense to average assets | 3.6393% | 397 |
| Loan and lease loss provision to assets | 0.1948% | 630 |
| Net operating income to assets | 1.0161% | 2,763 |
| Return on assets (ROA) | 1.0161% | 2,846 |
| Pretax return on assets | 1.1013% | 3,107 |
| Return on Equity (ROE) | 8.9033% | 3,061 |
| Retained earnings to average equity (ytd only) | 8.9033% | 1,977 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7381% | 1,336 |
| Assets per employee ($millions) | 7.2336% | 1,623 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1180% | 3,348 |
| 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 | 71.1933% | 1,129 |
| Net loans and leases to deposits | 82.9353% | 1,253 |
| Net loans and leases to core deposits | 88.8985% | 1,297 |
| Total domestic deposits to total assets | 85.8419% | 2,792 |
| Equity capital to assets | 11.5653% | 1,503 |
| Core capital (leverage) ratio | 11.5164% | 1,403 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5782% | 1,409 |
| Memoranda: | ||
| Average total assets | $427,113,000 | 1,911 |
| Average earning assets | $405,511,000 | 1,886 |
| Average equity | $48,746,000 | 1,797 |
| Average total loans | $292,895,000 | 1,779 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6258% | 3,746 |
| Cost of funding earning assets | 0.7591% | 1,401 |
| Net interest margin | 2.8668% | 4,170 |
| Noninterest income to average assets | 2.0112% | 326 |
| Noninterest expense to average assets | 4.0574% | 362 |
| Loan and lease loss provision to assets | 0.4692% | 574 |
| Net operating income to assets | 0.2475% | 4,501 |
| Return on assets (ROA) | 0.2475% | 4,565 |
| Pretax return on assets | 0.2475% | 4,606 |
| Return on Equity (ROE) | 1.9644% | 4,568 |
| Retained earnings to average equity (ytd only) | 1.9644% | 3,839 |
| Net charge-offs to loans | 0.0017% | 3,347 |
| Credit loss provision to net charge-offs | 38,625.0000% | 30 |
| Earnings coverage of net charge-offs (x) | 590.0000% | 200 |
| Efficiency ratio | 84.9882% | 567 |
| Assets per employee ($millions) | 8.0496% | 1,023 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1169% | 3,382 |
| 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 | 64.5429% | 2,289 |
| Net loans and leases to deposits | 74.7978% | 2,397 |
| Net loans and leases to core deposits | 79.2067% | 2,428 |
| Total domestic deposits to total assets | 86.2899% | 2,236 |
| Equity capital to assets | 11.2658% | 2,043 |
| Core capital (leverage) ratio | 12.1838% | 1,170 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2078% | 1,213 |
| Memoranda: | ||
| Average total assets | $329,300,800 | 2,139 |
| Average earning assets | $317,360,800 | 2,089 |
| Average equity | $41,487,600 | 1,970 |
| Average total loans | $230,714,400 | 2,032 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7125% | 3,774 |
| Cost of funding earning assets | 0.8939% | 1,085 |
| Net interest margin | 2.8185% | 4,311 |
| Noninterest income to average assets | 1.6970% | 402 |
| Noninterest expense to average assets | 4.1836% | 325 |
| Loan and lease loss provision to assets | 0.5862% | 438 |
| Net operating income to assets | -0.3420% | 4,867 |
| Return on assets (ROA) | -0.3420% | 4,875 |
| Pretax return on assets | -0.3420% | 4,868 |
| Return on Equity (ROE) | -2.6150% | 4,872 |
| Retained earnings to average equity (ytd only) | -2.6150% | 4,747 |
| Net charge-offs to loans | 0.0025% | 3,094 |
| Credit loss provision to net charge-offs | 33,300.0000% | 32 |
| Earnings coverage of net charge-offs (x) | 138.7500% | 640 |
| Efficiency ratio | 94.4836% | 247 |
| Assets per employee ($millions) | 7.5982% | 1,162 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0870% | 3,270 |
| 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 | 68.0811% | 2,237 |
| Net loans and leases to deposits | 80.5156% | 2,262 |
| Net loans and leases to core deposits | 95.4922% | 1,500 |
| Total domestic deposits to total assets | 84.5563% | 2,606 |
| Equity capital to assets | 11.7902% | 1,813 |
| Core capital (leverage) ratio | 12.8896% | 970 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9839% | 1,057 |
| Memoranda: | ||
| Average total assets | $302,956,500 | 2,263 |
| Average earning assets | $293,527,250 | 2,196 |
| Average equity | $39,617,000 | 2,027 |
| Average total loans | $217,462,250 | 2,118 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9219% | 3,557 |
| Cost of funding earning assets | 1.0604% | 817 |
| Net interest margin | 2.8614% | 4,369 |
| Noninterest income to average assets | 1.5170% | 454 |
| Noninterest expense to average assets | 4.3939% | 280 |
| Loan and lease loss provision to assets | 0.7346% | 362 |
| Net operating income to assets | -0.8382% | 4,950 |
| Return on assets (ROA) | -0.8382% | 4,945 |
| Pretax return on assets | -0.8382% | 4,935 |
| Return on Equity (ROE) | -6.1188% | 4,941 |
| Retained earnings to average equity (ytd only) | -6.1188% | 4,817 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.4144% | 154 |
| Assets per employee ($millions) | 6.4346% | 1,837 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1301% | 2,879 |
| 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 | 68.7133% | 2,233 |
| Net loans and leases to deposits | 82.2567% | 2,179 |
| Net loans and leases to core deposits | 95.3802% | 1,622 |
| Total domestic deposits to total assets | 83.5352% | 2,909 |
| Equity capital to assets | 11.0676% | 2,278 |
| Core capital (leverage) ratio | 12.0621% | 1,344 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9558% | 1,064 |
| Memoranda: | ||
| Average total assets | $272,239,667 | 2,402 |
| Average earning assets | $263,853,333 | 2,340 |
| Average equity | $37,294,667 | 2,109 |
| Average total loans | $199,300,000 | 2,230 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4883% | 2,341 |
| Cost of funding earning assets | 1.3204% | 533 |
| Net interest margin | 3.1679% | 3,938 |
| Noninterest income to average assets | 1.0188% | 823 |
| Noninterest expense to average assets | 4.9083% | 238 |
| Loan and lease loss provision to assets | 0.4945% | 598 |
| Net operating income to assets | -1.3026% | 5,014 |
| Return on assets (ROA) | -1.3026% | 4,997 |
| Pretax return on assets | -1.3026% | 4,979 |
| Return on Equity (ROE) | -8.3899% | 4,981 |
| Retained earnings to average equity (ytd only) | -8.3899% | 4,711 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 119.7086% | 106 |
| Assets per employee ($millions) | 4.9393% | 2,714 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9738% | 3,828 |
| 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 | 76.2576% | 1,255 |
| Net loans and leases to deposits | 93.7404% | 1,100 |
| Net loans and leases to core deposits | 109.5523% | 874 |
| Total domestic deposits to total assets | 81.3498% | 3,584 |
| Equity capital to assets | 14.4901% | 901 |
| Core capital (leverage) ratio | 15.2086% | 650 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8561% | 1,001 |
| Memoranda: | ||
| Average total assets | $241,060,000 | 2,545 |
| Average earning assets | $234,476,500 | 2,474 |
| Average equity | $37,426,000 | 2,096 |
| Average total loans | $182,679,000 | 2,333 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5351% | 2,827 |
| Cost of funding earning assets | 1.4446% | 475 |
| Net interest margin | 3.0905% | 4,385 |
| Noninterest income to average assets | 1.0885% | 801 |
| Noninterest expense to average assets | 6.4058% | 127 |
| Loan and lease loss provision to assets | 0.7735% | 133 |
| Net operating income to assets | -3.1169% | 5,146 |
| Return on assets (ROA) | -3.1169% | 5,147 |
| Pretax return on assets | -3.1169% | 5,147 |
| Return on Equity (ROE) | -13.0197% | 5,138 |
| Retained earnings to average equity (ytd only) | -13.0197% | 5,100 |
| Net charge-offs to loans | 0.0019% | 3,641 |
| Credit loss provision to net charge-offs | 64,100.0000% | 2 |
| Earnings coverage of net charge-offs (x) | -1,942.0000% | 3,725 |
| Efficiency ratio | 157.6860% | 40 |
| Assets per employee ($millions) | 4.3322% | 3,458 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9715% | 3,642 |
| 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 | 73.6612% | 1,808 |
| Net loans and leases to deposits | 88.6792% | 1,748 |
| Net loans and leases to core deposits | 103.6005% | 1,259 |
| Total domestic deposits to total assets | 83.0648% | 3,173 |
| Equity capital to assets | 16.7062% | 503 |
| Core capital (leverage) ratio | 17.8556% | 346 |
| Tier 1 risk-based capital ratio | 21.9771% | 1,028 |
| Total risk-based capital ratio | 22.9370% | 1,034 |
| Memoranda: | ||
| Average total assets | $165,739,200 | 3,145 |
| Average earning assets | $159,489,000 | 3,083 |
| Average equity | $39,678,200 | 1,946 |
| Average total loans | $106,609,800 | 3,133 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5979% | 2,731 |
| Cost of funding earning assets | 1.4491% | 483 |
| Net interest margin | 3.1489% | 4,403 |
| Noninterest income to average assets | 0.9634% | 1,015 |
| Noninterest expense to average assets | 6.8117% | 116 |
| Loan and lease loss provision to assets | 0.8078% | 129 |
| Net operating income to assets | -3.6370% | 5,233 |
| Return on assets (ROA) | -3.6370% | 5,233 |
| Pretax return on assets | -3.6370% | 5,232 |
| Return on Equity (ROE) | -13.6518% | 5,215 |
| Retained earnings to average equity (ytd only) | -13.6518% | 5,173 |
| Net charge-offs to loans | 0.0029% | 3,315 |
| Credit loss provision to net charge-offs | 45,700.0000% | 5 |
| Earnings coverage of net charge-offs (x) | -1,598.4607% | 3,453 |
| Efficiency ratio | 171.0386% | 32 |
| Assets per employee ($millions) | 3.8538% | 4,096 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8867% | 4,100 |
| 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 | 71.6585% | 2,231 |
| Net loans and leases to deposits | 89.4278% | 1,764 |
| Net loans and leases to core deposits | 100.2406% | 1,641 |
| Total domestic deposits to total assets | 80.1299% | 3,969 |
| Equity capital to assets | 19.7250% | 271 |
| Core capital (leverage) ratio | 20.8164% | 210 |
| Tier 1 risk-based capital ratio | 26.9664% | 645 |
| Total risk-based capital ratio | 27.8559% | 655 |
| Memoranda: | ||
| Average total assets | $150,855,000 | 3,321 |
| Average earning assets | $144,641,000 | 3,255 |
| Average equity | $40,189,000 | 1,929 |
| Average total loans | $91,370,000 | 3,412 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5281% | 2,927 |
| Cost of funding earning assets | 1.3513% | 643 |
| Net interest margin | 3.1768% | 4,409 |
| Noninterest income to average assets | 0.7403% | 1,556 |
| Noninterest expense to average assets | 7.3231% | 102 |
| Loan and lease loss provision to assets | 0.9851% | 99 |
| Net operating income to assets | -4.5345% | 5,286 |
| Return on assets (ROA) | -4.5345% | 5,286 |
| Pretax return on assets | -4.5345% | 5,286 |
| Return on Equity (ROE) | -15.1244% | 5,263 |
| Retained earnings to average equity (ytd only) | -15.1244% | 5,218 |
| Net charge-offs to loans | 0.0054% | 2,963 |
| Credit loss provision to net charge-offs | 33,400.0000% | 3 |
| Earnings coverage of net charge-offs (x) | -1,203.5000% | 3,171 |
| Efficiency ratio | 194.0602% | 23 |
| Assets per employee ($millions) | 3.2594% | 4,731 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8852% | 4,149 |
| 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 | 69.6647% | 2,574 |
| Net loans and leases to deposits | 92.2261% | 1,470 |
| Net loans and leases to core deposits | 133.8292% | 263 |
| Total domestic deposits to total assets | 75.5369% | 4,721 |
| Equity capital to assets | 24.2465% | 133 |
| Core capital (leverage) ratio | 28.0719% | 84 |
| Tier 1 risk-based capital ratio | 32.8838% | 395 |
| Total risk-based capital ratio | 33.7364% | 399 |
| Memoranda: | ||
| Average total assets | $135,626,000 | 3,546 |
| Average earning assets | $129,503,000 | 3,487 |
| Average equity | $40,662,670 | 1,902 |
| Average total loans | $74,460,330 | 3,757 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4839% | 2,923 |
| Cost of funding earning assets | 1.3995% | 461 |
| Net interest margin | 3.0844% | 4,612 |
| Noninterest income to average assets | 0.7117% | 1,571 |
| Noninterest expense to average assets | 7.6620% | 91 |
| Loan and lease loss provision to assets | 0.9184% | 100 |
| Net operating income to assets | -4.9265% | 5,349 |
| Return on assets (ROA) | -4.9265% | 5,348 |
| Pretax return on assets | -4.9265% | 5,345 |
| Return on Equity (ROE) | -14.5696% | 5,316 |
| Retained earnings to average equity (ytd only) | -14.5696% | 5,200 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 209.6948% | 18 |
| Assets per employee ($millions) | 2.7737% | 5,087 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9013% | 4,149 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 52.9647% | 4,277 |
| Net loans and leases to deposits | 77.3067% | 3,131 |
| Net loans and leases to core deposits | 92.5614% | 2,251 |
| Total domestic deposits to total assets | 68.5125% | 5,159 |
| Equity capital to assets | 31.2651% | 65 |
| Core capital (leverage) ratio | 32.4437% | 63 |
| Tier 1 risk-based capital ratio | 51.1139% | 123 |
| Total risk-based capital ratio | 51.9056% | 123 |
| Memoranda: | ||
| Average total assets | $121,953,000 | 3,768 |
| Average earning assets | $116,328,500 | 3,707 |
| Average equity | $41,236,500 | 1,884 |
| Average total loans | $54,416,500 | 4,200 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5920% | 5,386 |
| Cost of funding earning assets | 0.3560% | 4,247 |
| Net interest margin | 1.2360% | 5,383 |
| Noninterest income to average assets | 0.2254% | 4,570 |
| Noninterest expense to average assets | 5.8105% | 139 |
| Loan and lease loss provision to assets | 0.4456% | 288 |
| Net operating income to assets | -4.8438% | 5,395 |
| Return on assets (ROA) | -4.8438% | 5,394 |
| Pretax return on assets | -4.8438% | 5,392 |
| Return on Equity (ROE) | -8.7268% | 5,340 |
| Retained earnings to average equity (ytd only) | -8.7268% | 5,302 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 411.4234% | 6 |
| Assets per employee ($millions) | 2.7033% | 5,139 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8887% | 4,212 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 34.1809% | 5,116 |
| Net loans and leases to deposits | 54.2700% | 4,740 |
| Net loans and leases to core deposits | 68.9754% | 4,177 |
| Total domestic deposits to total assets | 62.9831% | 5,292 |
| Equity capital to assets | 36.7395% | 54 |
| Core capital (leverage) ratio | 44.5927% | 41 |
| Tier 1 risk-based capital ratio | 83.5985% | 52 |
| Total risk-based capital ratio | 84.2975% | 52 |
| Memoranda: | ||
| Average total assets | $78,099,670 | 4,460 |
| Average earning assets | $75,001,000 | 4,403 |
| Average equity | $43,349,330 | 1,727 |
| Average total loans | $17,858,670 | 5,123 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.9068% | 5,471 |
| Cost of funding earning assets | 0.0889% | 5,378 |
| Net interest margin | 0.8179% | 5,468 |
| Noninterest income to average assets | 0.0420% | 5,360 |
| Noninterest expense to average assets | 4.9375% | 211 |
| Loan and lease loss provision to assets | 0.2561% | 608 |
| Net operating income to assets | -4.3590% | 5,463 |
| Return on assets (ROA) | -4.3590% | 5,463 |
| Pretax return on assets | -4.3590% | 5,463 |
| Return on Equity (ROE) | -5.9590% | 5,397 |
| Retained earnings to average equity (ytd only) | -5.9590% | 5,333 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 591.5344% | 4 |
| Assets per employee ($millions) | 1.9791% | 5,380 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8045% | 4,602 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 19.0184% | 5,387 |
| Net loans and leases to deposits | 45.1826% | 5,078 |
| Net loans and leases to core deposits | 58.7778% | 4,750 |
| Total domestic deposits to total assets | 42.0924% | 5,437 |
| Equity capital to assets | 57.5965% | 35 |
| Core capital (leverage) ratio | 77.3630% | 26 |
| Tier 1 risk-based capital ratio | 218.6113% | 24 |
| Total risk-based capital ratio | 219.1962% | 24 |
| Memoranda: | ||
| Average total assets | $60,379,500 | 4,806 |
| Average earning assets | $58,522,000 | 4,748 |
| Average equity | $44,167,000 | 1,693 |
| Average total loans | $7,209,500 | 5,407 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.0814% | 5,539 |
| Cost of funding earning assets | 0.0000% | 5,529 |
| Net interest margin | 0.0814% | 5,538 |
| Noninterest income to average assets | 0.0000% | 5,488 |
| Noninterest expense to average assets | 1.1854% | 5,459 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | -1.1064% | 5,480 |
| Return on assets (ROA) | -1.1064% | 5,473 |
| Pretax return on assets | -1.1064% | 5,470 |
| Return on Equity (ROE) | -1.1196% | 5,381 |
| Retained earnings to average equity (ytd only) | -1.1196% | 5,083 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 1,500.0000% | 1 |
| Assets per employee ($millions) | 1.3015% | 5,485 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,515 |
| Net loans and leases to deposits | 0.0000% | 5,515 |
| Net loans and leases to core deposits | 0.0000% | 5,504 |
| Total domestic deposits to total assets | 0.8122% | 5,543 |
| Equity capital to assets | 98.8255% | 1 |
| Core capital (leverage) ratio | 135.2623% | 1 |
| Tier 1 risk-based capital ratio | 3,613.0016% | 2 |
| Total risk-based capital ratio | 3,613.0016% | 2 |
| Memoranda: | ||
| Average total assets | $45,553,000 | 5,140 |
| Average earning assets | $44,240,000 | 5,086 |
| Average equity | $45,018,000 | 1,672 |
| Average total loans | NA | NA |