| 2025-03-31 | Rank |
| Percentage of unprofitable institutions | 100.0000% | 3 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.1378% | 1,008 |
| Cost of funding earning assets | 1.5221% | 3,148 |
| Net interest margin | 4.6156% | 531 |
| Noninterest income to average assets | 34.4100% | 63 |
| Noninterest expense to average assets | 59.2223% | 39 |
| Loan and lease loss provision to assets | 3.5100% | 16 |
| Net operating income to assets | -24.9621% | 4,450 |
| Return on assets (ROA) | -24.9621% | 4,490 |
| Pretax return on assets | -24.9621% | 4,489 |
| Return on Equity (ROE) | -135.7700% | 4,463 |
| Retained earnings to average equity (ytd only) | -135.7748% | 4,487 |
| Net charge-offs to loans | 17.7910% | 16 |
| Credit loss provision to net charge-offs | 97.7273% | 1,297 |
| Earnings coverage of net charge-offs (x) | -5.9665% | 4,443 |
| Efficiency ratio | 153.5966% | 74 |
| Assets per employee ($millions) | 0.9475% | 4,371 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) |
| Loss allowance to loans | 5.7379% | 65 |
| Loan loss allowance to noncurrent loans | 994.9084% | 695 |
| Noncurrent assets plus other real estate owned to assets | 0.1382% | 2,824 |
| Noncurrent loans to loans | 0.5767% | 1,698 |
| Net loans and leases to total assets | 22.5900% | 4,284 |
| Net loans and leases to deposits | 37.3859% | 4,178 |
| Net loans and leases to core deposits | 37.3859% | 4,203 |
| Total domestic deposits to total assets | 60.4100% | 4,303 |
| Equity capital to assets | 24.6404% | 201 |
| Core capital (leverage) ratio | 23.0837% | 189 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: |
| Average total assets | $401,457,000 | 2,067 |
| Average earning assets | $292,484,000 | 2,407 |
| Average equity | $73,807,500 | 1,301 |
| Average total loans | $81,119,500 | 3,431 |
| 2024-12-31 | Rank |
| Percentage of unprofitable institutions | 100.0000% | 2 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0256% | 4,266 |
| Cost of funding earning assets | 1.3908% | 3,538 |
| Net interest margin | 2.6349% | 3,729 |
| Noninterest income to average assets | 29.3000% | 76 |
| Noninterest expense to average assets | 42.0580% | 51 |
| Loan and lease loss provision to assets | 3.0800% | 17 |
| Net operating income to assets | -13.6820% | 4,472 |
| Return on assets (ROA) | -13.6820% | 4,510 |
| Pretax return on assets | -13.6820% | 4,510 |
| Return on Equity (ROE) | -74.7400% | 4,483 |
| Retained earnings to average equity (ytd only) | -74.7432% | 4,509 |
| Net charge-offs to loans | 19.3201% | 19 |
| Credit loss provision to net charge-offs | 113.9885% | 1,726 |
| Earnings coverage of net charge-offs (x) | -3.9236% | 4,438 |
| Efficiency ratio | 130.9720% | 108 |
| Assets per employee ($millions) | 1.1247% | 4,387 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) |
| Loss allowance to loans | 6.4419% | 61 |
| Loan loss allowance to noncurrent loans | 2,095.7806% | 432 |
| Noncurrent assets plus other real estate owned to assets | 0.0529% | 3,296 |
| Noncurrent loans to loans | 0.3074% | 2,348 |
| Net loans and leases to total assets | 16.1200% | 4,333 |
| Net loans and leases to deposits | 21.4215% | 4,337 |
| Net loans and leases to core deposits | 21.4215% | 4,323 |
| Total domestic deposits to total assets | 75.2300% | 3,998 |
| Equity capital to assets | 13.4196% | 795 |
| Core capital (leverage) ratio | 14.4966% | 670 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: |
| Average total assets | $474,885,200 | 1,821 |
| Average earning assets | $388,560,400 | 1,985 |
| Average equity | $86,929,600 | 1,126 |
| Average total loans | $66,417,800 | 3,623 |
| 2024-06-30 | Rank |
| Percentage of unprofitable institutions | 100.0000% | 2 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5329% | 4,450 |
| Cost of funding earning assets | 1.3639% | 3,522 |
| Net interest margin | 2.1690% | 4,189 |
| Noninterest income to average assets | 28.3500% | 72 |
| Noninterest expense to average assets | 39.7206% | 55 |
| Loan and lease loss provision to assets | 2.4200% | 26 |
| Net operating income to assets | -11.9484% | 4,523 |
| Return on assets (ROA) | -11.9484% | 4,560 |
| Pretax return on assets | -11.9484% | 4,560 |
| Return on Equity (ROE) | -60.1800% | 4,530 |
| Retained earnings to average equity (ytd only) | -60.1783% | 4,554 |
| Net charge-offs to loans | 17.6708% | 18 |
| Credit loss provision to net charge-offs | 112.4096% | 1,397 |
| Earnings coverage of net charge-offs (x) | -4.4155% | 4,508 |
| Efficiency ratio | 128.9967% | 111 |
| Assets per employee ($millions) | 1.2478% | 4,429 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) |
| Loss allowance to loans | 5.7571% | 71 |
| 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 | 13.0900% | 4,398 |
| Net loans and leases to deposits | 18.5360% | 4,401 |
| Net loans and leases to core deposits | 18.5360% | 4,379 |
| Total domestic deposits to total assets | 70.6100% | 4,217 |
| Equity capital to assets | 18.6385% | 319 |
| Core capital (leverage) ratio | 20.9027% | 234 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: |
| Average total assets | $499,882,000 | 1,764 |
| Average earning assets | $424,525,667 | 1,862 |
| Average equity | $99,251,667 | 1,008 |
| Average total loans | $61,016,000 | 3,697 |
| 2024-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7368% | 4,403 |
| Cost of funding earning assets | 1.3779% | 3,429 |
| Net interest margin | 2.3588% | 4,053 |
| Noninterest income to average assets | 28.0200% | 70 |
| Noninterest expense to average assets | 40.9051% | 55 |
| Loan and lease loss provision to assets | 1.9300% | 37 |
| Net operating income to assets | -12.7782% | 4,587 |
| Return on assets (ROA) | -12.7782% | 4,587 |
| Pretax return on assets | -12.7782% | 4,587 |
| Return on Equity (ROE) | -62.5500% | 4,557 |
| Retained earnings to average equity (ytd only) | -62.5510% | 4,529 |
| Net charge-offs to loans | 16.8968% | 3 |
| Credit loss provision to net charge-offs | 100.3256% | 1,143 |
| Earnings coverage of net charge-offs (x) | -5.6227% | 4,536 |
| Efficiency ratio | 133.6789% | 82 |
| Assets per employee ($millions) | 1.2779% | 4,460 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) |
| Loss allowance to loans | 5.0184% | 42 |
| Loan loss allowance to noncurrent loans | 39,750.0000% | 36 |
| Noncurrent assets plus other real estate owned to assets | 0.0015% | 3,861 |
| Noncurrent loans to loans | 0.0126% | 3,697 |
| Net loans and leases to total assets | 11.2900% | 4,427 |
| Net loans and leases to deposits | 15.8745% | 4,423 |
| Net loans and leases to core deposits | 15.8745% | 4,449 |
| Total domestic deposits to total assets | 71.1500% | 4,254 |
| Equity capital to assets | 18.8562% | 317 |
| Core capital (leverage) ratio | 21.6485% | 212 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: |
| Average total assets | $509,618,500 | 1,735 |
| Average earning assets | $441,236,000 | 1,821 |
| Average equity | $104,107,000 | 963 |
| Average total loans | $58,165,000 | 3,746 |
| 2023-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0964% | 3,812 |
| Cost of funding earning assets | 1.4074% | 2,211 |
| Net interest margin | 2.6891% | 3,834 |
| Noninterest income to average assets | 21.1300% | 72 |
| Noninterest expense to average assets | 41.4650% | 51 |
| Loan and lease loss provision to assets | 2.2900% | 24 |
| Net operating income to assets | -20.2330% | 4,610 |
| Return on assets (ROA) | -20.2330% | 4,610 |
| Pretax return on assets | -20.2330% | 4,610 |
| Return on Equity (ROE) | -80.3300% | 4,578 |
| Retained earnings to average equity (ytd only) | -80.3283% | 4,564 |
| Net charge-offs to loans | 26.3170% | 4 |
| Credit loss provision to net charge-offs | 107.1794% | 1,773 |
| Earnings coverage of net charge-offs (x) | -8.3888% | 4,550 |
| Efficiency ratio | 170.7703% | 26 |
| Assets per employee ($millions) | 1.1258% | 4,482 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) |
| Loss allowance to loans | 5.9891% | 29 |
| 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 | 10.2400% | 4,447 |
| Net loans and leases to deposits | 15.3549% | 4,441 |
| Net loans and leases to core deposits | 15.3549% | 4,466 |
| Total domestic deposits to total assets | 66.6700% | 4,365 |
| Equity capital to assets | 22.1511% | 231 |
| Core capital (leverage) ratio | 23.4054% | 186 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: |
| Average total assets | $520,372,000 | 1,688 |
| Average earning assets | $464,063,000 | 1,722 |
| Average equity | $131,070,800 | 756 |
| Average total loans | $42,288,200 | 3,961 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1142% | 3,633 |
| Cost of funding earning assets | 1.4223% | 1,803 |
| Net interest margin | 2.6919% | 3,892 |
| Noninterest income to average assets | 20.1600% | 72 |
| Noninterest expense to average assets | 41.1031% | 49 |
| Loan and lease loss provision to assets | 2.3500% | 25 |
| Net operating income to assets | -20.8888% | 4,637 |
| Return on assets (ROA) | -20.8888% | 4,637 |
| Pretax return on assets | -20.8888% | 4,637 |
| Return on Equity (ROE) | -80.7000% | 4,602 |
| Retained earnings to average equity (ytd only) | -80.6950% | 4,589 |
| Net charge-offs to loans | 27.5312% | 4 |
| Credit loss provision to net charge-offs | 113.7269% | 1,523 |
| Earnings coverage of net charge-offs (x) | -8.9910% | 4,597 |
| Efficiency ratio | 175.5800% | 27 |
| Assets per employee ($millions) | 1.1370% | 4,512 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) |
| Loss allowance to loans | 7.6304% | 20 |
| 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 | 8.1300% | 4,478 |
| Net loans and leases to deposits | 12.2253% | 4,475 |
| Net loans and leases to core deposits | 12.2253% | 4,462 |
| Total domestic deposits to total assets | 66.4800% | 4,397 |
| Equity capital to assets | 24.1243% | 207 |
| Core capital (leverage) ratio | 25.1379% | 164 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: |
| Average total assets | $528,877,500 | 1,670 |
| Average earning assets | $472,078,750 | 1,705 |
| Average equity | $136,905,500 | 722 |
| Average total loans | $39,619,500 | 4,010 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0022% | 3,687 |
| Cost of funding earning assets | 1.4194% | 1,394 |
| Net interest margin | 2.5828% | 4,128 |
| Noninterest income to average assets | 20.2900% | 71 |
| Noninterest expense to average assets | 41.4036% | 48 |
| Loan and lease loss provision to assets | 2.4300% | 19 |
| Net operating income to assets | -21.2419% | 4,664 |
| Return on assets (ROA) | -21.2419% | 4,663 |
| Pretax return on assets | -21.2419% | 4,663 |
| Return on Equity (ROE) | -80.2800% | 4,633 |
| Retained earnings to average equity (ytd only) | -80.2753% | 4,616 |
| Net charge-offs to loans | 27.7683% | 3 |
| Credit loss provision to net charge-offs | 124.0506% | 1,313 |
| Earnings coverage of net charge-offs (x) | -9.5880% | 4,633 |
| Efficiency ratio | 177.3282% | 27 |
| Assets per employee ($millions) | 1.0836% | 4,544 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) |
| Loss allowance to loans | 8.7339% | 20 |
| 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 | 6.8300% | 4,515 |
| Net loans and leases to deposits | 10.5039% | 4,510 |
| Net loans and leases to core deposits | 10.5039% | 4,497 |
| Total domestic deposits to total assets | 65.0400% | 4,440 |
| Equity capital to assets | 27.0111% | 173 |
| Core capital (leverage) ratio | 27.4276% | 137 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: |
| Average total assets | $531,591,333 | 1,663 |
| Average earning assets | $474,836,333 | 1,697 |
| Average equity | $140,666,000 | 697 |
| Average total loans | $37,553,667 | 4,052 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5569% | 4,209 |
| Cost of funding earning assets | 1.3631% | 1,108 |
| Net interest margin | 2.1938% | 4,502 |
| Noninterest income to average assets | 20.7600% | 72 |
| Noninterest expense to average assets | 43.0564% | 50 |
| Loan and lease loss provision to assets | 1.8800% | 38 |
| Net operating income to assets | -22.2186% | 4,690 |
| Return on assets (ROA) | -22.2186% | 4,689 |
| Pretax return on assets | -22.2186% | 4,689 |
| Return on Equity (ROE) | -84.9100% | 4,658 |
| Retained earnings to average equity (ytd only) | -84.9075% | 4,684 |
| Net charge-offs to loans | 23.1679% | 5 |
| Credit loss provision to net charge-offs | 118.8835% | 1,038 |
| Earnings coverage of net charge-offs (x) | -12.8320% | 4,667 |
| Efficiency ratio | 183.6273% | 27 |
| Assets per employee ($millions) | 0.9716% | 4,613 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) |
| Loss allowance to loans | 6.8336% | 16 |
| 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 | 6.6800% | 4,585 |
| Net loans and leases to deposits | 9.5168% | 4,585 |
| Net loans and leases to core deposits | 9.5168% | 4,571 |
| Total domestic deposits to total assets | 70.2200% | 4,413 |
| Equity capital to assets | 21.9112% | 195 |
| Core capital (leverage) ratio | 25.5643% | 155 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: |
| Average total assets | $519,979,000 | 1,703 |
| Average earning assets | $464,219,500 | 1,740 |
| Average equity | $136,068,000 | 725 |
| Average total loans | $35,566,500 | 4,142 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 1.5822% | 4,650 |
| Cost of funding earning assets | 0.6775% | 651 |
| Net interest margin | 0.9047% | 4,683 |
| Noninterest income to average assets | 16.0100% | 79 |
| Noninterest expense to average assets | 55.7281% | 36 |
| Loan and lease loss provision to assets | 1.6500% | 25 |
| Net operating income to assets | -40.5983% | 4,726 |
| Return on assets (ROA) | -40.5983% | 4,726 |
| Pretax return on assets | -40.5983% | 4,726 |
| Return on Equity (ROE) | -101.8700% | 4,709 |
| Retained earnings to average equity (ytd only) | -101.8693% | 4,725 |
| Net charge-offs to loans | 43.7632% | 2 |
| Credit loss provision to net charge-offs | 106.3163% | 1,521 |
| Earnings coverage of net charge-offs (x) | -25.0572% | 4,708 |
| Efficiency ratio | 324.6896% | 20 |
| Assets per employee ($millions) | 0.8272% | 4,652 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) |
| Loss allowance to loans | 7.8007% | 14 |
| 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 | 5.9400% | 4,617 |
| Net loans and leases to deposits | 10.2630% | 4,613 |
| Net loans and leases to core deposits | 10.2630% | 4,599 |
| Total domestic deposits to total assets | 57.9200% | 4,586 |
| Equity capital to assets | 31.2027% | 118 |
| Core capital (leverage) ratio | 30.2007% | 126 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: |
| Average total assets | $582,650,200 | 1,533 |
| Average earning assets | $498,481,000 | 1,632 |
| Average equity | $232,205,400 | 470 |
| Average total loans | $20,693,200 | 4,408 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 1.0853% | 4,696 |
| Cost of funding earning assets | 0.5416% | 604 |
| Net interest margin | 0.5437% | 4,732 |
| Noninterest income to average assets | 15.1300% | 83 |
| Noninterest expense to average assets | 58.6518% | 33 |
| Loan and lease loss provision to assets | 1.5900% | 22 |
| Net operating income to assets | -44.6500% | 4,765 |
| Return on assets (ROA) | -44.6500% | 4,765 |
| Pretax return on assets | -44.6500% | 4,765 |
| Return on Equity (ROE) | -107.4700% | 4,748 |
| Retained earnings to average equity (ytd only) | -107.4748% | 4,765 |
| Net charge-offs to loans | 45.5680% | 2 |
| Credit loss provision to net charge-offs | 116.5701% | 1,235 |
| Earnings coverage of net charge-offs (x) | -31.6548% | 4,748 |
| Efficiency ratio | 369.1500% | 18 |
| Assets per employee ($millions) | 0.8242% | 4,692 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) |
| Loss allowance to loans | 10.2188% | 10 |
| Loan loss allowance to noncurrent loans | 8,648.4848% | 167 |
| Noncurrent assets plus other real estate owned to assets | 0.0062% | 3,947 |
| Noncurrent loans to loans | 0.1182% | 3,055 |
| Net loans and leases to total assets | 4.7400% | 4,666 |
| Net loans and leases to deposits | 8.3010% | 4,662 |
| Net loans and leases to core deposits | 8.3010% | 4,646 |
| Total domestic deposits to total assets | 57.0800% | 4,635 |
| Equity capital to assets | 34.2131% | 104 |
| Core capital (leverage) ratio | 34.1658% | 106 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: |
| Average total assets | $609,203,000 | 1,468 |
| Average earning assets | $517,699,000 | 1,596 |
| Average equity | $253,091,250 | 439 |
| Average total loans | $18,187,750 | 4,469 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 0.6497% | 4,753 |
| Cost of funding earning assets | 0.4415% | 723 |
| Net interest margin | 0.2082% | 4,764 |
| Noninterest income to average assets | 14.2432% | 45 |
| Noninterest expense to average assets | 63.7427% | 15 |
| Loan and lease loss provision to assets | 1.4773% | 28 |
| Net operating income to assets | -50.8022% | 4,771 |
| Return on assets (ROA) | -50.8022% | 4,771 |
| Pretax return on assets | -50.8022% | 4,771 |
| Return on Equity (ROE) | -116.5768% | 4,771 |
| Retained earnings to average equity (ytd only) | -116.5768% | 4,771 |
| Net charge-offs to loans | 56.0484% | 2 |
| Credit loss provision to net charge-offs | 112.1806% | 1,209 |
| Earnings coverage of net charge-offs (x) | -37.4550% | 2,142 |
| Efficiency ratio | 434.8233% | 14 |
| Assets per employee ($millions) | 0.7634% | 4,744 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) |
| Loss allowance to loans | 10.9660% | 10 |
| 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 | 3.1947% | 4,732 |
| Net loans and leases to deposits | 6.0784% | 4,730 |
| Net loans and leases to core deposits | 6.0784% | 4,721 |
| Total domestic deposits to total assets | 52.5572% | 4,716 |
| Equity capital to assets | 37.4623% | 55 |
| Core capital (leverage) ratio | 37.1942% | 54 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $635,881,333 | 1,419 |
| Average earning assets | $533,194,333 | 1,573 |
| Average equity | $277,106,667 | 412 |
| Average total loans | $14,940,667 | 4,578 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 0.3868% | 4,785 |
| Cost of funding earning assets | 0.3145% | 1,516 |
| Net interest margin | 0.0723% | 4,794 |
| Noninterest income to average assets | 13.3554% | 48 |
| Noninterest expense to average assets | 63.6176% | 15 |
| Loan and lease loss provision to assets | 1.1831% | 35 |
| Net operating income to assets | -51.3833% | 4,796 |
| Return on assets (ROA) | -51.3833% | 4,796 |
| Pretax return on assets | -51.3833% | 4,796 |
| Return on Equity (ROE) | -110.8872% | 4,795 |
| Retained earnings to average equity (ytd only) | -110.8872% | 4,791 |
| Net charge-offs to loans | 71.6798% | 2 |
| Credit loss provision to net charge-offs | 92.1764% | 1,073 |
| Earnings coverage of net charge-offs (x) | -39.1100% | 1,823 |
| Efficiency ratio | 466.3839% | 8 |
| Assets per employee ($millions) | 0.8661% | 4,763 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) |
| Loss allowance to loans | 11.8137% | 8 |
| 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 | 1.8617% | 4,761 |
| Net loans and leases to deposits | 3.6908% | 4,762 |
| Net loans and leases to core deposits | 3.6908% | 4,752 |
| Total domestic deposits to total assets | 50.4422% | 4,750 |
| Equity capital to assets | 39.6288% | 45 |
| Core capital (leverage) ratio | 39.6743% | 45 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $657,233,000 | 1,382 |
| Average earning assets | $564,661,000 | 1,493 |
| Average equity | $304,551,000 | 391 |
| Average total loans | $11,769,000 | 4,659 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 0.2315% | 4,823 |
| Cost of funding earning assets | 0.3295% | 2,126 |
| Net interest margin | -0.0980% | 4,837 |
| Noninterest income to average assets | 14.6867% | 47 |
| Noninterest expense to average assets | 64.2108% | 17 |
| Loan and lease loss provision to assets | 2.4962% | 7 |
| Net operating income to assets | -52.1020% | 4,839 |
| Return on assets (ROA) | -52.1076% | 4,839 |
| Pretax return on assets | -52.1076% | 4,839 |
| Return on Equity (ROE) | -130.2658% | 4,839 |
| Retained earnings to average equity (ytd only) | -130.2658% | 4,839 |
| Net charge-offs to loans | 196.1350% | 1 |
| Credit loss provision to net charge-offs | 99.0576% | 1,824 |
| Earnings coverage of net charge-offs (x) | -19.6856% | 2,685 |
| Efficiency ratio | 431.7485% | 9 |
| Assets per employee ($millions) | 0.7795% | 4,808 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) |
| Loss allowance to loans | 19.2101% | 2 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 1.1815% | 4,804 |
| Net loans and leases to deposits | 3.0546% | 4,806 |
| Net loans and leases to core deposits | 3.0546% | 4,795 |
| Total domestic deposits to total assets | 38.6777% | 4,806 |
| Equity capital to assets | 53.2122% | 33 |
| Core capital (leverage) ratio | 49.8872% | 33 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $509,503,000 | 1,677 |
| Average earning assets | $424,635,000 | 1,824 |
| Average equity | $203,806,400 | 531 |
| Average total loans | $6,546,000 | 4,777 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 0.1791% | 4,903 |
| Cost of funding earning assets | 0.3545% | 2,072 |
| Net interest margin | -0.1753% | 4,912 |
| Noninterest income to average assets | 15.8153% | 47 |
| Noninterest expense to average assets | 62.5372% | 17 |
| Loan and lease loss provision to assets | 2.9640% | 4 |
| Net operating income to assets | -49.8284% | 4,914 |
| Return on assets (ROA) | -49.8366% | 4,914 |
| Pretax return on assets | -49.8366% | 4,914 |
| Return on Equity (ROE) | -140.4552% | 4,914 |
| Retained earnings to average equity (ytd only) | -140.4552% | 4,913 |
| Net charge-offs to loans | 228.1788% | 1 |
| Credit loss provision to net charge-offs | 106.1261% | 1,542 |
| Earnings coverage of net charge-offs (x) | -16.7793% | 2,443 |
| Efficiency ratio | 391.6840% | 12 |
| Assets per employee ($millions) | 0.9616% | 4,878 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) |
| Loss allowance to loans | 42.1661% | 1 |
| Loan loss allowance to noncurrent loans | 36,485.7143% | 47 |
| Noncurrent assets plus other real estate owned to assets | 0.0010% | 4,289 |
| Noncurrent loans to loans | 0.1156% | 3,513 |
| Net loans and leases to total assets | 0.4787% | 4,879 |
| Net loans and leases to deposits | 1.3440% | 4,879 |
| Net loans and leases to core deposits | 1.3440% | 4,868 |
| Total domestic deposits to total assets | 35.6177% | 4,881 |
| Equity capital to assets | 58.8095% | 33 |
| Core capital (leverage) ratio | 107.6383% | 3 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $474,558,000 | 1,782 |
| Average earning assets | $385,561,500 | 1,969 |
| Average equity | $168,383,500 | 643 |
| Average total loans | $5,808,750 | 4,855 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 0.2117% | 4,943 |
| Cost of funding earning assets | 0.5060% | 1,162 |
| Net interest margin | -0.2943% | 4,949 |
| Noninterest income to average assets | 19.7017% | 42 |
| Noninterest expense to average assets | 69.1976% | 15 |
| Loan and lease loss provision to assets | 3.7389% | 2 |
| Net operating income to assets | -53.4621% | 4,951 |
| Return on assets (ROA) | -53.4621% | 4,951 |
| Pretax return on assets | -53.4621% | 4,951 |
| Return on Equity (ROE) | -256.4281% | 4,951 |
| Retained earnings to average equity (ytd only) | -256.4281% | 4,951 |
| Net charge-offs to loans | 210.6532% | 1 |
| Credit loss provision to net charge-offs | 120.5273% | 1,256 |
| Earnings coverage of net charge-offs (x) | -16.0287% | 2,233 |
| Efficiency ratio | 348.3056% | 11 |
| Assets per employee ($millions) | 0.3808% | 4,933 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) |
| Loss allowance to loans | 41.1879% | 1 |
| Loan loss allowance to noncurrent loans | 159,150.0000% | 4 |
| Noncurrent assets plus other real estate owned to assets | 0.0008% | 4,343 |
| Noncurrent loans to loans | 0.0259% | 4,089 |
| Net loans and leases to total assets | 1.8336% | 4,914 |
| Net loans and leases to deposits | 2.9820% | 4,917 |
| Net loans and leases to core deposits | 2.9820% | 4,906 |
| Total domestic deposits to total assets | 61.4884% | 4,860 |
| Equity capital to assets | 27.0050% | 76 |
| Core capital (leverage) ratio | 17.9020% | 267 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $388,828,667 | 2,042 |
| Average earning assets | $300,399,333 | 2,346 |
| Average equity | $81,066,000 | 1,204 |
| Average total loans | $5,726,000 | 4,894 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 0.1871% | 4,971 |
| Cost of funding earning assets | 0.5180% | 1,280 |
| Net interest margin | -0.3309% | 4,975 |
| Noninterest income to average assets | 14.8032% | 50 |
| Noninterest expense to average assets | 52.1301% | 17 |
| Loan and lease loss provision to assets | 2.2983% | 9 |
| Net operating income to assets | -39.8916% | 4,978 |
| Return on assets (ROA) | -39.8916% | 4,978 |
| Pretax return on assets | -39.8916% | 4,978 |
| Return on Equity (ROE) | -207.9031% | 4,978 |
| Retained earnings to average equity (ytd only) | -207.9031% | 4,976 |
| Net charge-offs to loans | 179.8942% | 1 |
| Credit loss provision to net charge-offs | 124.1882% | 1,036 |
| Earnings coverage of net charge-offs (x) | -20.3139% | 1,921 |
| Efficiency ratio | 350.9166% | 8 |
| Assets per employee ($millions) | 0.6781% | 4,950 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) |
| Loss allowance to loans | 41.7771% | 1 |
| Loan loss allowance to noncurrent loans | 10,245.8333% | 99 |
| Noncurrent assets plus other real estate owned to assets | 0.0059% | 4,355 |
| Noncurrent loans to loans | 0.4077% | 2,645 |
| Net loans and leases to total assets | 0.8493% | 4,943 |
| Net loans and leases to deposits | 1.2170% | 4,945 |
| Net loans and leases to core deposits | 1.2170% | 4,935 |
| Total domestic deposits to total assets | 69.7873% | 4,773 |
| Equity capital to assets | 23.3990% | 112 |
| Core capital (leverage) ratio | 21.0769% | 154 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $459,305,000 | 1,813 |
| Average earning assets | $369,859,500 | 2,004 |
| Average equity | $88,129,500 | 1,113 |
| Average total loans | $4,725,000 | 4,929 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 0.1024% | 4,995 |
| Cost of funding earning assets | 0.2801% | 4,246 |
| Net interest margin | -0.1778% | 5,000 |
| Noninterest income to average assets | 5.9302% | 97 |
| Noninterest expense to average assets | 24.4263% | 30 |
| Loan and lease loss provision to assets | 1.0142% | 92 |
| Net operating income to assets | -19.6515% | 5,001 |
| Return on assets (ROA) | -19.6515% | 5,001 |
| Pretax return on assets | -19.6515% | 5,001 |
| Return on Equity (ROE) | -63.8323% | 4,998 |
| Retained earnings to average equity (ytd only) | -63.8323% | 4,995 |
| Net charge-offs to loans | 72.2525% | 1 |
| Credit loss provision to net charge-offs | 211.6279% | 2,104 |
| Earnings coverage of net charge-offs (x) | -38.8906% | 3,429 |
| Efficiency ratio | 410.1722% | 7 |
| Assets per employee ($millions) | 0.9452% | 4,968 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) |
| Loss allowance to loans | 54.5735% | 1 |
| Loan loss allowance to noncurrent loans | 27,785.7143% | 35 |
| Noncurrent assets plus other real estate owned to assets | 0.0014% | 4,481 |
| Noncurrent loans to loans | 0.1964% | 3,502 |
| Net loans and leases to total assets | 0.3143% | 4,970 |
| Net loans and leases to deposits | 0.3899% | 4,971 |
| Net loans and leases to core deposits | 0.3899% | 4,960 |
| Total domestic deposits to total assets | 80.6173% | 3,941 |
| Equity capital to assets | 15.8887% | 439 |
| Core capital (leverage) ratio | 14.9405% | 515 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $331,995,000 | 2,130 |
| Average earning assets | $263,800,500 | 2,374 |
| Average equity | $102,208,500 | 943 |
| Average total loans | $2,202,000 | 4,967 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 0.0849% | 5,030 |
| Cost of funding earning assets | 0.0000% | 5,023 |
| Net interest margin | 0.0849% | 5,029 |
| Noninterest income to average assets | 7.3303% | 86 |
| Noninterest expense to average assets | 28.4615% | 28 |
| Loan and lease loss provision to assets | -0.0356% | 4,976 |
| Net operating income to assets | -21.0308% | 5,033 |
| Return on assets (ROA) | -21.0308% | 5,033 |
| Pretax return on assets | -21.0308% | 5,033 |
| Return on Equity (ROE) | -25.5441% | 5,006 |
| Retained earnings to average equity (ytd only) | -25.5441% | 4,993 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 379.9806% | 8 |
| Assets per employee ($millions) | 0.2942% | 5,019 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) |
| Loss allowance to loans | 15.3571% | 2 |
| 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 | 0.4776% | 5,002 |
| Net loans and leases to deposits | 1,871.0526% | 1 |
| Net loans and leases to core deposits | 1,871.0526% | 6 |
| Total domestic deposits to total assets | 0.0255% | 5,042 |
| Equity capital to assets | 82.3316% | 20 |
| Core capital (leverage) ratio | 78.3338% | 20 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 464.2659% | 5 |
| Memoranda: |
| Average total assets | $148,876,000 | 3,407 |
| Average earning assets | $113,025,000 | 3,713 |
| Average equity | $122,572,000 | 798 |
| Average total loans | $840,000 | 5,003 |
