Home > The Millyard Bank > Performance and Condition Ratios
The Millyard 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 | 5.4140% | 2,276 |
| Cost of funding earning assets | 2.6118% | 697 |
| Net interest margin | 2.8022% | 3,698 |
| Noninterest income to average assets | 0.0800% | 4,206 |
| Noninterest expense to average assets | 2.3786% | 2,638 |
| Loan and lease loss provision to assets | 0.1600% | 793 |
| Net operating income to assets | 0.1971% | 3,972 |
| Return on assets (ROA) | 0.1971% | 4,007 |
| Pretax return on assets | 0.2509% | 3,991 |
| Return on Equity (ROE) | 1.7700% | 4,022 |
| Retained earnings to average equity (ytd only) | 1.7712% | 3,367 |
| 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 | 85.2306% | 680 |
| Assets per employee ($millions) | 9.0593% | 1,088 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9336% | 3,507 |
| 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 | 75.5100% | 1,148 |
| Net loans and leases to deposits | 93.9593% | 765 |
| Net loans and leases to core deposits | 119.9204% | 550 |
| Total domestic deposits to total assets | 80.3600% | 3,562 |
| Equity capital to assets | 10.8109% | 1,760 |
| Core capital (leverage) ratio | 11.4535% | 1,742 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $245,521,000 | 2,754 |
| Average earning assets | $237,384,000 | 2,700 |
| Average equity | $27,326,500 | 2,573 |
| Average total loans | $187,047,500 | 2,500 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3106% | 2,508 |
| Cost of funding earning assets | 2.7832% | 724 |
| Net interest margin | 2.5274% | 3,872 |
| Noninterest income to average assets | 0.0800% | 4,282 |
| Noninterest expense to average assets | 2.3080% | 2,849 |
| Loan and lease loss provision to assets | 0.0900% | 1,528 |
| Net operating income to assets | 0.1134% | 4,079 |
| Return on assets (ROA) | 0.1134% | 4,106 |
| Pretax return on assets | 0.1398% | 4,089 |
| Return on Equity (ROE) | 1.0000% | 4,102 |
| Retained earnings to average equity (ytd only) | 1.0006% | 3,674 |
| Net charge-offs to loans | -0.0194% | 4,162 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 90.8812% | 471 |
| Assets per employee ($millions) | 8.4779% | 1,273 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9383% | 3,508 |
| 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 | 75.4300% | 1,225 |
| Net loans and leases to deposits | 90.9251% | 1,142 |
| Net loans and leases to core deposits | 114.8480% | 767 |
| Total domestic deposits to total assets | 82.9600% | 3,044 |
| Equity capital to assets | 11.4710% | 1,382 |
| Core capital (leverage) ratio | 12.2305% | 1,351 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $231,022,200 | 2,810 |
| Average earning assets | $224,739,800 | 2,751 |
| Average equity | $26,183,400 | 2,567 |
| Average total loans | $164,932,400 | 2,613 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2966% | 2,463 |
| Cost of funding earning assets | 2.8482% | 651 |
| Net interest margin | 2.4485% | 3,956 |
| Noninterest income to average assets | 0.0900% | 4,255 |
| Noninterest expense to average assets | 2.3576% | 2,641 |
| Loan and lease loss provision to assets | 0.0600% | 1,841 |
| Net operating income to assets | 0.0477% | 4,176 |
| Return on assets (ROA) | 0.0477% | 4,210 |
| Pretax return on assets | 0.0575% | 4,191 |
| Return on Equity (ROE) | 0.4200% | 4,198 |
| Retained earnings to average equity (ytd only) | 0.4218% | 3,869 |
| Net charge-offs to loans | -0.0265% | 4,220 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 95.3467% | 369 |
| Assets per employee ($millions) | 8.7710% | 1,152 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9519% | 3,469 |
| 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 | 73.4200% | 1,447 |
| Net loans and leases to deposits | 86.9516% | 1,543 |
| Net loans and leases to core deposits | 112.2931% | 853 |
| Total domestic deposits to total assets | 84.4300% | 2,473 |
| Equity capital to assets | 11.8467% | 1,340 |
| Core capital (leverage) ratio | 11.8921% | 1,538 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $229,432,500 | 2,807 |
| Average earning assets | $223,155,000 | 2,748 |
| Average equity | $25,921,750 | 2,575 |
| Average total loans | $160,977,500 | 2,642 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 2 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1709% | 2,614 |
| Cost of funding earning assets | 2.8354% | 609 |
| Net interest margin | 2.3354% | 4,053 |
| Noninterest income to average assets | 0.0900% | 4,266 |
| Noninterest expense to average assets | 2.3306% | 2,710 |
| Loan and lease loss provision to assets | 0.0900% | 1,288 |
| Net operating income to assets | -0.0574% | 4,284 |
| Return on assets (ROA) | -0.0574% | 4,312 |
| Pretax return on assets | -0.0574% | 4,297 |
| Return on Equity (ROE) | -0.5200% | 4,287 |
| Retained earnings to average equity (ytd only) | -0.5165% | 3,992 |
| Net charge-offs to loans | -0.0404% | 4,291 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 98.7832% | 315 |
| Assets per employee ($millions) | 9.5662% | 834 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9613% | 3,468 |
| 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 | 72.2100% | 1,621 |
| Net loans and leases to deposits | 87.2275% | 1,550 |
| Net loans and leases to core deposits | 110.4269% | 960 |
| Total domestic deposits to total assets | 82.7800% | 2,910 |
| Equity capital to assets | 11.6778% | 1,283 |
| Core capital (leverage) ratio | 12.1634% | 1,389 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $229,894,667 | 2,804 |
| Average earning assets | $223,598,000 | 2,742 |
| Average equity | $25,557,000 | 2,565 |
| Average total loans | $158,293,667 | 2,658 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1720% | 2,462 |
| Cost of funding earning assets | 2.8880% | 515 |
| Net interest margin | 2.2840% | 4,116 |
| Noninterest income to average assets | 0.0800% | 4,292 |
| Noninterest expense to average assets | 2.3160% | 2,749 |
| Loan and lease loss provision to assets | 0.0500% | 1,722 |
| Net operating income to assets | -0.0643% | 4,326 |
| Return on assets (ROA) | -0.0643% | 4,315 |
| Pretax return on assets | -0.0643% | 4,297 |
| Return on Equity (ROE) | -0.5900% | 4,289 |
| Retained earnings to average equity (ytd only) | -0.5937% | 3,804 |
| Net charge-offs to loans | -0.0833% | 4,422 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 100.4525% | 286 |
| Assets per employee ($millions) | 8.8815% | 1,067 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9651% | 3,464 |
| 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 | 69.3700% | 1,876 |
| Net loans and leases to deposits | 84.3778% | 1,682 |
| Net loans and leases to core deposits | 105.9394% | 1,111 |
| Total domestic deposits to total assets | 82.2100% | 3,148 |
| Equity capital to assets | 12.0741% | 1,102 |
| Core capital (leverage) ratio | 11.9262% | 1,448 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0163% | 928 |
| Memoranda: | ||
| Average total assets | $230,047,500 | 2,808 |
| Average earning assets | $223,822,500 | 2,746 |
| Average equity | $24,930,000 | 2,602 |
| Average total loans | $153,748,500 | 2,679 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7208% | 2,628 |
| Cost of funding earning assets | 2.4176% | 440 |
| Net interest margin | 2.3032% | 4,258 |
| Noninterest income to average assets | 0.0700% | 4,379 |
| Noninterest expense to average assets | 2.3833% | 2,634 |
| Loan and lease loss provision to assets | 0.2000% | 621 |
| Net operating income to assets | -0.2744% | 4,481 |
| Return on assets (ROA) | -0.2744% | 4,463 |
| Pretax return on assets | -0.2685% | 4,443 |
| Return on Equity (ROE) | -2.4300% | 4,430 |
| Retained earnings to average equity (ytd only) | -2.4328% | 4,298 |
| Net charge-offs to loans | 0.0466% | 1,413 |
| Credit loss provision to net charge-offs | 425.7576% | 752 |
| Earnings coverage of net charge-offs (x) | -2.2121% | 4,533 |
| Efficiency ratio | 103.0717% | 160 |
| Assets per employee ($millions) | 8.8020% | 1,064 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9817% | 3,402 |
| 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 | 63.3200% | 2,536 |
| Net loans and leases to deposits | 76.0686% | 2,448 |
| Net loans and leases to core deposits | 99.2043% | 1,475 |
| Total domestic deposits to total assets | 83.2400% | 2,829 |
| Equity capital to assets | 9.6384% | 2,245 |
| Core capital (leverage) ratio | 10.3570% | 2,472 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9874% | 1,281 |
| Memoranda: | ||
| Average total assets | $205,552,000 | 2,952 |
| Average earning assets | $200,114,200 | 2,869 |
| Average equity | $23,183,000 | 2,616 |
| Average total loans | $141,627,000 | 2,749 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5835% | 2,720 |
| Cost of funding earning assets | 2.2060% | 494 |
| Net interest margin | 2.3774% | 4,255 |
| Noninterest income to average assets | 0.0700% | 4,402 |
| Noninterest expense to average assets | 2.3942% | 2,527 |
| Loan and lease loss provision to assets | 0.2000% | 543 |
| Net operating income to assets | -0.2241% | 4,501 |
| Return on assets (ROA) | -0.2241% | 4,486 |
| Pretax return on assets | -0.2160% | 4,479 |
| Return on Equity (ROE) | -1.9000% | 4,450 |
| Retained earnings to average equity (ytd only) | -1.9037% | 4,314 |
| Net charge-offs to loans | 0.0326% | 1,428 |
| Credit loss provision to net charge-offs | 873.5294% | 438 |
| Earnings coverage of net charge-offs (x) | -0.5882% | 4,566 |
| Efficiency ratio | 100.5671% | 170 |
| Assets per employee ($millions) | 8.1137% | 1,289 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0565% | 3,089 |
| 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 | 65.8400% | 2,256 |
| Net loans and leases to deposits | 76.6957% | 2,362 |
| Net loans and leases to core deposits | 105.8368% | 1,022 |
| Total domestic deposits to total assets | 85.8400% | 2,246 |
| Equity capital to assets | 10.5126% | 1,550 |
| Core capital (leverage) ratio | 11.4103% | 1,722 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3184% | 1,053 |
| Memoranda: | ||
| Average total assets | $197,526,500 | 3,016 |
| Average earning assets | $192,135,750 | 2,938 |
| Average equity | $23,252,250 | 2,606 |
| Average total loans | $139,039,500 | 2,786 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4759% | 2,707 |
| Cost of funding earning assets | 1.9292% | 577 |
| Net interest margin | 2.5467% | 4,161 |
| Noninterest income to average assets | 0.0600% | 4,461 |
| Noninterest expense to average assets | 2.4366% | 2,383 |
| Loan and lease loss provision to assets | 0.2000% | 537 |
| Net operating income to assets | -0.1135% | 4,519 |
| Return on assets (ROA) | -0.1135% | 4,504 |
| Pretax return on assets | -0.1009% | 4,489 |
| Return on Equity (ROE) | -0.9300% | 4,472 |
| Retained earnings to average equity (ytd only) | -0.9260% | 4,210 |
| Net charge-offs to loans | 0.0497% | 1,019 |
| Credit loss provision to net charge-offs | 555.8824% | 604 |
| Earnings coverage of net charge-offs (x) | 2.8235% | 2,298 |
| Efficiency ratio | 96.0248% | 223 |
| Assets per employee ($millions) | 7.7965% | 1,416 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0450% | 3,220 |
| 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 | 66.9000% | 2,065 |
| Net loans and leases to deposits | 78.1364% | 2,119 |
| Net loans and leases to core deposits | 116.9841% | 597 |
| Total domestic deposits to total assets | 85.6200% | 2,355 |
| Equity capital to assets | 11.4810% | 1,206 |
| Core capital (leverage) ratio | 12.2259% | 1,269 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4854% | 889 |
| Memoranda: | ||
| Average total assets | $190,345,000 | 3,066 |
| Average earning assets | $184,948,000 | 2,996 |
| Average equity | $23,326,333 | 2,607 |
| Average total loans | $136,797,000 | 2,808 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3386% | 2,708 |
| Cost of funding earning assets | 1.4567% | 926 |
| Net interest margin | 2.8820% | 3,816 |
| Noninterest income to average assets | 0.0600% | 4,506 |
| Noninterest expense to average assets | 2.4500% | 2,369 |
| Loan and lease loss provision to assets | 0.2000% | 511 |
| Net operating income to assets | 0.2107% | 4,346 |
| Return on assets (ROA) | 0.2107% | 4,311 |
| Pretax return on assets | 0.2107% | 4,330 |
| Return on Equity (ROE) | 1.6600% | 4,333 |
| Retained earnings to average equity (ytd only) | 1.6615% | 3,758 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 85.6492% | 523 |
| Assets per employee ($millions) | 7.6662% | 1,523 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9884% | 3,561 |
| 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 | 71.5500% | 1,465 |
| Net loans and leases to deposits | 84.9461% | 1,429 |
| Net loans and leases to core deposits | 124.4189% | 357 |
| Total domestic deposits to total assets | 84.2300% | 3,049 |
| Equity capital to assets | 12.2470% | 932 |
| Core capital (leverage) ratio | 13.0344% | 967 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2381% | 958 |
| Memoranda: | ||
| Average total assets | $184,163,500 | 3,148 |
| Average earning assets | $178,766,000 | 3,077 |
| Average equity | $23,353,000 | 2,632 |
| Average total loans | $136,675,500 | 2,831 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7968% | 2,291 |
| Cost of funding earning assets | 0.5676% | 1,030 |
| Net interest margin | 3.2292% | 2,772 |
| Noninterest income to average assets | 0.0500% | 4,578 |
| Noninterest expense to average assets | 2.6821% | 1,602 |
| Loan and lease loss provision to assets | 0.2700% | 333 |
| Net operating income to assets | 0.8768% | 3,057 |
| Return on assets (ROA) | 0.8768% | 2,994 |
| Pretax return on assets | 0.2680% | 4,395 |
| Return on Equity (ROE) | 6.7100% | 3,693 |
| Retained earnings to average equity (ytd only) | 6.7052% | 2,364 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 83.3785% | 517 |
| Assets per employee ($millions) | 7.0669% | 1,923 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9470% | 3,609 |
| 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 | 75.6000% | 1,047 |
| Net loans and leases to deposits | 87.9715% | 1,175 |
| Net loans and leases to core deposits | 105.2844% | 777 |
| Total domestic deposits to total assets | 85.9400% | 2,747 |
| Equity capital to assets | 13.1509% | 676 |
| Core capital (leverage) ratio | 13.2482% | 877 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3129% | 928 |
| Memoranda: | ||
| Average total assets | $160,469,600 | 3,341 |
| Average earning assets | $157,316,200 | 3,264 |
| Average equity | $20,983,800 | 2,859 |
| Average total loans | $117,675,400 | 2,946 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5536% | 2,457 |
| Cost of funding earning assets | 0.4603% | 936 |
| Net interest margin | 3.0932% | 2,958 |
| Noninterest income to average assets | 0.0500% | 4,607 |
| Noninterest expense to average assets | 2.5853% | 1,747 |
| Loan and lease loss provision to assets | 0.2800% | 264 |
| Net operating income to assets | 0.2242% | 4,454 |
| Return on assets (ROA) | 0.2242% | 4,420 |
| Pretax return on assets | 0.2242% | 4,441 |
| Return on Equity (ROE) | 1.7200% | 4,424 |
| Retained earnings to average equity (ytd only) | 1.7171% | 4,080 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 83.6459% | 567 |
| Assets per employee ($millions) | 7.6088% | 1,545 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9444% | 3,710 |
| 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 | 67.7200% | 1,706 |
| Net loans and leases to deposits | 77.0381% | 1,796 |
| Net loans and leases to core deposits | 93.8425% | 1,105 |
| Total domestic deposits to total assets | 87.9000% | 2,457 |
| Equity capital to assets | 11.8623% | 912 |
| Core capital (leverage) ratio | 13.5900% | 759 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6280% | 906 |
| Memoranda: | ||
| Average total assets | $156,419,000 | 3,402 |
| Average earning assets | $153,794,750 | 3,313 |
| Average equity | $20,421,250 | 2,958 |
| Average total loans | $113,383,000 | 3,004 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4700% | 2,227 |
| Cost of funding earning assets | 0.3624% | 1,173 |
| Net interest margin | 3.1075% | 2,511 |
| Noninterest income to average assets | 0.0501% | 4,628 |
| Noninterest expense to average assets | 2.6190% | 1,583 |
| Loan and lease loss provision to assets | 0.3182% | 203 |
| Net operating income to assets | 0.1666% | 4,465 |
| Return on assets (ROA) | 0.1666% | 4,428 |
| Pretax return on assets | 0.1666% | 4,438 |
| Return on Equity (ROE) | 1.2295% | 4,435 |
| Retained earnings to average equity (ytd only) | 1.2295% | 3,941 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.3805% | 661 |
| Assets per employee ($millions) | 6.9876% | 1,952 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8719% | 4,023 |
| Loan loss allowance to noncurrent loans | 2,779.4872% | 420 |
| Noncurrent assets plus other real estate owned to assets | 0.0233% | 3,767 |
| Noncurrent loans to loans | 0.0314% | 3,718 |
| Net loans and leases to total assets | 73.4875% | 954 |
| Net loans and leases to deposits | 86.4448% | 942 |
| Net loans and leases to core deposits | 108.1907% | 392 |
| Total domestic deposits to total assets | 85.0109% | 3,479 |
| Equity capital to assets | 12.8591% | 686 |
| Core capital (leverage) ratio | 14.4122% | 556 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8872% | 872 |
| Memoranda: | ||
| Average total assets | $147,688,000 | 3,525 |
| Average earning assets | $145,130,667 | 3,444 |
| Average equity | $20,007,667 | 3,071 |
| Average total loans | $109,564,333 | 3,070 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3043% | 2,379 |
| Cost of funding earning assets | 0.3192% | 1,473 |
| Net interest margin | 2.9851% | 2,545 |
| Noninterest income to average assets | 0.0552% | 4,649 |
| Noninterest expense to average assets | 2.6467% | 1,486 |
| Loan and lease loss provision to assets | 0.3109% | 197 |
| Net operating income to assets | 0.0320% | 4,526 |
| Return on assets (ROA) | 0.0320% | 4,505 |
| Pretax return on assets | 0.0320% | 4,500 |
| Return on Equity (ROE) | 0.2288% | 4,510 |
| Retained earnings to average equity (ytd only) | 0.2288% | 3,975 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.5326% | 611 |
| Assets per employee ($millions) | 6.1145% | 2,694 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8494% | 4,152 |
| Loan loss allowance to noncurrent loans | 2,276.1905% | 503 |
| Noncurrent assets plus other real estate owned to assets | 0.0286% | 3,756 |
| Noncurrent loans to loans | 0.0373% | 3,713 |
| Net loans and leases to total assets | 76.0465% | 505 |
| Net loans and leases to deposits | 89.4048% | 543 |
| Net loans and leases to core deposits | 102.4813% | 433 |
| Total domestic deposits to total assets | 85.0586% | 3,530 |
| Equity capital to assets | 14.6347% | 432 |
| Core capital (leverage) ratio | 15.5204% | 384 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8895% | 773 |
| Memoranda: | ||
| Average total assets | $137,681,000 | 3,640 |
| Average earning assets | $135,338,000 | 3,560 |
| Average equity | $19,229,000 | 3,217 |
| Average total loans | $102,184,500 | 3,156 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9551% | 1,471 |
| Cost of funding earning assets | 0.3266% | 2,148 |
| Net interest margin | 3.6284% | 1,390 |
| Noninterest income to average assets | 0.0399% | 4,741 |
| Noninterest expense to average assets | 3.8148% | 345 |
| Loan and lease loss provision to assets | 0.2891% | 288 |
| Net operating income to assets | -0.5203% | 4,764 |
| Return on assets (ROA) | -0.5203% | 4,769 |
| Pretax return on assets | -0.5203% | 4,765 |
| Return on Equity (ROE) | -3.0516% | 4,752 |
| Retained earnings to average equity (ytd only) | -3.0516% | 4,658 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.4534% | 110 |
| Assets per employee ($millions) | 6.7692% | 2,095 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9247% | 4,004 |
| Loan loss allowance to noncurrent loans | 1,929.5455% | 540 |
| Noncurrent assets plus other real estate owned to assets | 0.0342% | 3,787 |
| Noncurrent loans to loans | 0.0479% | 3,739 |
| Net loans and leases to total assets | 70.7289% | 956 |
| Net loans and leases to deposits | 88.7891% | 618 |
| Net loans and leases to core deposits | 99.4686% | 558 |
| Total domestic deposits to total assets | 79.6594% | 4,251 |
| Equity capital to assets | 13.2037% | 845 |
| Core capital (leverage) ratio | 13.8536% | 637 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1733% | 869 |
| Memoranda: | ||
| Average total assets | $100,318,600 | 3,987 |
| Average earning assets | $97,976,000 | 3,927 |
| Average equity | $17,105,600 | 3,453 |
| Average total loans | $78,891,600 | 3,503 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2406% | 1,045 |
| Cost of funding earning assets | 0.3300% | 2,299 |
| Net interest margin | 3.9106% | 920 |
| Noninterest income to average assets | 0.0357% | 4,822 |
| Noninterest expense to average assets | 3.6648% | 385 |
| Loan and lease loss provision to assets | 0.3250% | 233 |
| Net operating income to assets | -0.1416% | 4,783 |
| Return on assets (ROA) | -0.1416% | 4,791 |
| Pretax return on assets | -0.1416% | 4,789 |
| Return on Equity (ROE) | -0.7703% | 4,783 |
| Retained earnings to average equity (ytd only) | -0.7703% | 4,646 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.2434% | 207 |
| Assets per employee ($millions) | 5.5127% | 3,184 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9342% | 4,055 |
| 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 | 79.5734% | 314 |
| Net loans and leases to deposits | 95.5146% | 363 |
| Net loans and leases to core deposits | 102.5671% | 506 |
| Total domestic deposits to total assets | 83.3103% | 3,630 |
| Equity capital to assets | 16.3145% | 386 |
| Core capital (leverage) ratio | 16.8378% | 324 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.3916% | 507 |
| Memoranda: | ||
| Average total assets | $93,244,500 | 4,114 |
| Average earning assets | $90,895,750 | 4,053 |
| Average equity | $17,136,500 | 3,494 |
| Average total loans | $75,660,250 | 3,604 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0303% | 1,497 |
| Cost of funding earning assets | 0.3309% | 2,478 |
| Net interest margin | 3.6994% | 1,352 |
| Noninterest income to average assets | 0.0358% | 4,859 |
| Noninterest expense to average assets | 3.5588% | 435 |
| Loan and lease loss provision to assets | 0.3803% | 184 |
| Net operating income to assets | -0.3020% | 4,842 |
| Return on assets (ROA) | -0.3020% | 4,847 |
| Pretax return on assets | -0.3020% | 4,847 |
| Return on Equity (ROE) | -1.5741% | 4,833 |
| Retained earnings to average equity (ytd only) | -1.5741% | 4,647 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.8475% | 188 |
| Assets per employee ($millions) | 5.5813% | 3,034 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9207% | 4,097 |
| 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 | 78.0894% | 442 |
| Net loans and leases to deposits | 100.4057% | 242 |
| Net loans and leases to core deposits | 108.7573% | 395 |
| Total domestic deposits to total assets | 77.7739% | 4,455 |
| Equity capital to assets | 16.9983% | 326 |
| Core capital (leverage) ratio | 21.0424% | 148 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.1893% | 333 |
| Memoranda: | ||
| Average total assets | $89,412,333 | 4,179 |
| Average earning assets | $87,041,667 | 4,126 |
| Average equity | $17,152,667 | 3,496 |
| Average total loans | $72,836,333 | 3,671 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5438% | 731 |
| Cost of funding earning assets | 0.3435% | 2,579 |
| Net interest margin | 4.2003% | 597 |
| Noninterest income to average assets | 0.0334% | 4,883 |
| Noninterest expense to average assets | 3.6764% | 377 |
| Loan and lease loss provision to assets | 0.5960% | 97 |
| Net operating income to assets | -0.1574% | 4,822 |
| Return on assets (ROA) | -0.1574% | 4,824 |
| Pretax return on assets | -0.1574% | 4,823 |
| Return on Equity (ROE) | -0.7679% | 4,816 |
| Retained earnings to average equity (ytd only) | -0.7679% | 4,436 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.3395% | 390 |
| Assets per employee ($millions) | 5.5768% | 3,043 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9053% | 4,139 |
| 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 | 83.9077% | 151 |
| Net loans and leases to deposits | 117.5353% | 83 |
| Net loans and leases to core deposits | 117.5353% | 270 |
| Total domestic deposits to total assets | 71.3893% | 4,734 |
| Equity capital to assets | 19.2471% | 212 |
| Core capital (leverage) ratio | 22.5944% | 125 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.0165% | 256 |
| Memoranda: | ||
| Average total assets | $83,887,000 | 4,257 |
| Average earning assets | $81,518,000 | 4,198 |
| Average equity | $17,190,500 | 3,501 |
| Average total loans | $69,664,500 | 3,746 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6075% | 4,820 |
| Cost of funding earning assets | 0.2574% | 4,352 |
| Net interest margin | 2.3502% | 4,689 |
| Noninterest income to average assets | 0.0161% | 4,924 |
| Noninterest expense to average assets | 5.7136% | 141 |
| Loan and lease loss provision to assets | 1.1262% | 66 |
| Net operating income to assets | -4.5753% | 4,986 |
| Return on assets (ROA) | -4.5753% | 4,986 |
| Pretax return on assets | -4.5753% | 4,985 |
| Return on Equity (ROE) | -12.4465% | 4,961 |
| Retained earnings to average equity (ytd only) | -12.4465% | 4,932 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 252.3173% | 12 |
| Assets per employee ($millions) | 5.2363% | 3,110 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8765% | 4,256 |
| 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 | 80.4838% | 392 |
| Net loans and leases to deposits | 127.3771% | 47 |
| Net loans and leases to core deposits | 127.3771% | 221 |
| Total domestic deposits to total assets | 63.1854% | 4,888 |
| Equity capital to assets | 21.9072% | 139 |
| Core capital (leverage) ratio | 28.9028% | 67 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 36.4977% | 158 |
| Memoranda: | ||
| Average total assets | $49,548,400 | 4,659 |
| Average earning assets | $47,401,000 | 4,628 |
| Average equity | $18,214,000 | 3,347 |
| Average total loans | $30,698,600 | 4,505 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9697% | 4,968 |
| Cost of funding earning assets | 0.2056% | 4,651 |
| Net interest margin | 1.7641% | 4,937 |
| Noninterest income to average assets | 0.0158% | 4,960 |
| Noninterest expense to average assets | 6.5122% | 114 |
| Loan and lease loss provision to assets | 1.3074% | 77 |
| Net operating income to assets | -6.1276% | 5,017 |
| Return on assets (ROA) | -6.1276% | 5,017 |
| Pretax return on assets | -6.1276% | 5,018 |
| Return on Equity (ROE) | -14.0364% | 4,986 |
| Retained earnings to average equity (ytd only) | -14.0364% | 4,962 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 384.7300% | 7 |
| Assets per employee ($millions) | 4.5687% | 3,760 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8232% | 4,307 |
| 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 | 73.1362% | 1,484 |
| Net loans and leases to deposits | 133.0740% | 45 |
| Net loans and leases to core deposits | 133.0740% | 207 |
| Total domestic deposits to total assets | 54.9591% | 4,960 |
| Equity capital to assets | 25.5797% | 95 |
| Core capital (leverage) ratio | 35.7288% | 49 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 54.5618% | 75 |
| Memoranda: | ||
| Average total assets | $42,299,250 | 4,763 |
| Average earning assets | $40,208,250 | 4,737 |
| Average equity | $18,465,750 | 3,319 |
| Average total loans | $22,429,500 | 4,699 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4763% | 5,039 |
| Cost of funding earning assets | 0.0950% | 4,975 |
| Net interest margin | 1.3812% | 5,021 |
| Noninterest income to average assets | 0.0119% | 4,992 |
| Noninterest expense to average assets | 8.1120% | 87 |
| Loan and lease loss provision to assets | 1.4066% | 97 |
| Net operating income to assets | -8.2073% | 5,057 |
| Return on assets (ROA) | -8.2073% | 5,056 |
| Pretax return on assets | -8.2073% | 5,056 |
| Return on Equity (ROE) | -14.6664% | 5,013 |
| Retained earnings to average equity (ytd only) | -14.6664% | 4,977 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 618.6364% | 4 |
| Assets per employee ($millions) | 4.3980% | 3,914 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7309% | 4,507 |
| 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 | 56.3001% | 3,662 |
| Net loans and leases to deposits | 125.0058% | 66 |
| Net loans and leases to core deposits | 125.0058% | 329 |
| Total domestic deposits to total assets | 45.0380% | 5,015 |
| Equity capital to assets | 31.6508% | 55 |
| Core capital (leverage) ratio | 55.1203% | 32 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 109.7231% | 32 |
| Memoranda: | ||
| Average total assets | $33,555,333 | 4,896 |
| Average earning assets | $31,566,333 | 4,882 |
| Average equity | $18,777,667 | 3,288 |
| Average total loans | $13,060,333 | 4,904 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4056% | 5,107 |
| Cost of funding earning assets | 0.0000% | 5,101 |
| Net interest margin | 1.4056% | 5,085 |
| Noninterest income to average assets | 0.0184% | 5,025 |
| Noninterest expense to average assets | 12.1218% | 62 |
| Loan and lease loss provision to assets | 1.2140% | 145 |
| Net operating income to assets | -12.0298% | 5,110 |
| Return on assets (ROA) | -12.0298% | 5,109 |
| Pretax return on assets | -12.0298% | 5,109 |
| Return on Equity (ROE) | -13.6831% | 5,027 |
| Retained earnings to average equity (ytd only) | -13.6831% | 4,867 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 928.1690% | 4 |
| Assets per employee ($millions) | 1.8095% | 5,037 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0083% | 3,663 |
| 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 | 27.9629% | 4,935 |
| Net loans and leases to deposits | 146.0480% | 13 |
| Net loans and leases to core deposits | 146.0480% | 135 |
| Total domestic deposits to total assets | 19.1464% | 5,088 |
| Equity capital to assets | 80.0034% | 26 |
| Core capital (leverage) ratio | 89.2959% | 19 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 160.0865% | 24 |
| Memoranda: | ||
| Average total assets | $21,746,000 | 5,047 |
| Average earning assets | $19,920,500 | 5,031 |
| Average equity | $19,118,500 | 3,264 |
| Average total loans | $3,377,500 | 5,076 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.1729% | 5,161 |
| Cost of funding earning assets | 0.0000% | 5,167 |
| Net interest margin | 1.1729% | 5,148 |
| Noninterest income to average assets | 0.0000% | 5,130 |
| Noninterest expense to average assets | 5.1633% | 193 |
| Loan and lease loss provision to assets | 0.0050% | 3,907 |
| Net operating income to assets | -4.3770% | 5,160 |
| Return on assets (ROA) | -4.3770% | 5,160 |
| Pretax return on assets | -4.0765% | 5,156 |
| Return on Equity (ROE) | -4.5012% | 5,069 |
| Retained earnings to average equity (ytd only) | -4.5012% | 4,963 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 472.9358% | 9 |
| Assets per employee ($millions) | 1.5360% | 5,112 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9091% | 3,920 |
| 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 | 0.5459% | 5,145 |
| Net loans and leases to deposits | 24.9428% | 5,071 |
| Net loans and leases to core deposits | 24.9428% | 5,072 |
| Total domestic deposits to total assets | 2.1885% | 5,171 |
| Equity capital to assets | 97.2406% | 4 |
| Core capital (leverage) ratio | 165.2933% | 2 |
| Tier 1 risk-based capital ratio | 400.4331% | 13 |
| Total risk-based capital ratio | 400.4537% | 13 |
| Memoranda: | ||
| Average total assets | $19,968,000 | 5,118 |
| Average earning assets | $18,586,000 | 5,102 |
| Average equity | $19,417,000 | 3,177 |
| Average total loans | $110,000 | 5,146 |