Home > Watermark Bank > Performance and Condition Ratios
Watermark 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 | 6.6635% | 505 |
| Cost of funding earning assets | 2.5610% | 765 |
| Net interest margin | 4.1025% | 1,103 |
| Noninterest income to average assets | 0.3400% | 2,607 |
| Noninterest expense to average assets | 2.5857% | 2,060 |
| Loan and lease loss provision to assets | 0.1100% | 1,177 |
| Net operating income to assets | 1.2137% | 1,703 |
| Return on assets (ROA) | 1.2137% | 1,703 |
| Pretax return on assets | 1.6044% | 1,296 |
| Return on Equity (ROE) | 9.0700% | 2,590 |
| Retained earnings to average equity (ytd only) | 9.0720% | 1,421 |
| Net charge-offs to loans | -0.0192% | 4,075 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 60.1422% | 2,951 |
| Assets per employee ($millions) | 11.2463% | 560 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2310% | 2,028 |
| 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 | 78.9100% | 718 |
| Net loans and leases to deposits | 92.8724% | 849 |
| Net loans and leases to core deposits | 107.2272% | 976 |
| Total domestic deposits to total assets | 84.9700% | 2,628 |
| Equity capital to assets | 13.4053% | 821 |
| Core capital (leverage) ratio | 13.6933% | 866 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3764% | 1,181 |
| Memoranda: | ||
| Average total assets | $366,482,000 | 2,184 |
| Average earning assets | $353,927,000 | 2,127 |
| Average equity | $49,030,000 | 1,783 |
| Average total loans | $292,405,000 | 1,913 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0552% | 370 |
| Cost of funding earning assets | 2.9785% | 512 |
| Net interest margin | 4.0767% | 1,085 |
| Noninterest income to average assets | 0.1600% | 3,940 |
| Noninterest expense to average assets | 2.5529% | 2,153 |
| Loan and lease loss provision to assets | 0.2100% | 634 |
| Net operating income to assets | 1.0109% | 2,017 |
| Return on assets (ROA) | 1.0111% | 2,016 |
| Pretax return on assets | 1.3345% | 1,670 |
| Return on Equity (ROE) | 7.4800% | 2,904 |
| Retained earnings to average equity (ytd only) | 7.4807% | 1,272 |
| Net charge-offs to loans | 0.4217% | 361 |
| Credit loss provision to net charge-offs | 59.2217% | 2,284 |
| Earnings coverage of net charge-offs (x) | 4.4416% | 2,658 |
| Efficiency ratio | 62.3818% | 2,898 |
| Assets per employee ($millions) | 10.9647% | 579 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3299% | 1,550 |
| 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 | 78.6200% | 823 |
| Net loans and leases to deposits | 92.3900% | 1,001 |
| Net loans and leases to core deposits | 110.5121% | 915 |
| Total domestic deposits to total assets | 85.0900% | 2,500 |
| Equity capital to assets | 13.3511% | 811 |
| Core capital (leverage) ratio | 12.8914% | 1,102 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5229% | 1,150 |
| Memoranda: | ||
| Average total assets | $341,019,800 | 2,273 |
| Average earning assets | $329,089,000 | 2,215 |
| Average equity | $46,091,800 | 1,807 |
| Average total loans | $280,291,400 | 1,930 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0171% | 383 |
| Cost of funding earning assets | 3.0019% | 509 |
| Net interest margin | 4.0152% | 1,122 |
| Noninterest income to average assets | 0.1700% | 3,870 |
| Noninterest expense to average assets | 2.5831% | 2,001 |
| Loan and lease loss provision to assets | 0.2800% | 384 |
| Net operating income to assets | 0.8858% | 2,430 |
| Return on assets (ROA) | 0.8858% | 2,436 |
| Pretax return on assets | 1.1760% | 2,052 |
| Return on Equity (ROE) | 6.5300% | 3,177 |
| Retained earnings to average equity (ytd only) | 6.5322% | 1,896 |
| Net charge-offs to loans | 0.5653% | 236 |
| Credit loss provision to net charge-offs | 59.3220% | 1,986 |
| Earnings coverage of net charge-offs (x) | 3.1034% | 2,546 |
| Efficiency ratio | 63.9851% | 2,714 |
| Assets per employee ($millions) | 10.8116% | 605 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2689% | 1,857 |
| 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 | 81.2000% | 489 |
| Net loans and leases to deposits | 94.7826% | 805 |
| Net loans and leases to core deposits | 111.5018% | 873 |
| Total domestic deposits to total assets | 85.6700% | 2,048 |
| Equity capital to assets | 12.7907% | 1,026 |
| Core capital (leverage) ratio | 12.9000% | 1,127 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3533% | 1,445 |
| Memoranda: | ||
| Average total assets | $335,815,750 | 2,287 |
| Average earning assets | $323,827,750 | 2,235 |
| Average equity | $45,537,500 | 1,826 |
| Average total loans | $278,289,250 | 1,931 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8651% | 426 |
| Cost of funding earning assets | 2.9131% | 535 |
| Net interest margin | 3.9520% | 1,179 |
| Noninterest income to average assets | 0.1800% | 3,804 |
| Noninterest expense to average assets | 2.6376% | 1,844 |
| Loan and lease loss provision to assets | 0.3700% | 253 |
| Net operating income to assets | 0.7330% | 2,848 |
| Return on assets (ROA) | 0.7330% | 2,859 |
| Pretax return on assets | 0.9747% | 2,552 |
| Return on Equity (ROE) | 5.2900% | 3,453 |
| Retained earnings to average equity (ytd only) | 5.2926% | 2,247 |
| Net charge-offs to loans | 1.1151% | 121 |
| Credit loss provision to net charge-offs | 39.8142% | 1,878 |
| Earnings coverage of net charge-offs (x) | 1.4499% | 2,468 |
| Efficiency ratio | 66.2496% | 2,518 |
| Assets per employee ($millions) | 10.3972% | 651 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2348% | 2,059 |
| 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 | 79.4700% | 734 |
| Net loans and leases to deposits | 93.3227% | 1,002 |
| Net loans and leases to core deposits | 113.5095% | 843 |
| Total domestic deposits to total assets | 85.1500% | 2,276 |
| Equity capital to assets | 13.3285% | 803 |
| Core capital (leverage) ratio | 14.5157% | 701 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8703% | 1,299 |
| Memoranda: | ||
| Average total assets | $325,222,667 | 2,314 |
| Average earning assets | $312,654,333 | 2,272 |
| Average equity | $45,044,000 | 1,818 |
| Average total loans | $270,281,000 | 1,965 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9883% | 337 |
| Cost of funding earning assets | 3.0090% | 420 |
| Net interest margin | 3.9793% | 1,119 |
| Noninterest income to average assets | 0.2600% | 3,210 |
| Noninterest expense to average assets | 2.7141% | 1,650 |
| Loan and lease loss provision to assets | 0.5700% | 141 |
| Net operating income to assets | 0.5919% | 3,169 |
| Return on assets (ROA) | 0.5919% | 3,197 |
| Pretax return on assets | 0.7879% | 2,958 |
| Return on Equity (ROE) | 4.1900% | 3,630 |
| Retained earnings to average equity (ytd only) | 4.1879% | 2,653 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 66.6667% | 2,533 |
| Assets per employee ($millions) | 10.2807% | 677 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7736% | 575 |
| Loan loss allowance to noncurrent loans | 95.9340% | 3,173 |
| Noncurrent assets plus other real estate owned to assets | 1.5588% | 280 |
| Noncurrent loans to loans | 1.8487% | 370 |
| Net loans and leases to total assets | 82.8200% | 348 |
| Net loans and leases to deposits | 98.2550% | 574 |
| Net loans and leases to core deposits | 123.9262% | 527 |
| Total domestic deposits to total assets | 84.2900% | 2,632 |
| Equity capital to assets | 14.0931% | 666 |
| Core capital (leverage) ratio | 13.9996% | 785 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6613% | 1,146 |
| Memoranda: | ||
| Average total assets | $316,280,000 | 2,371 |
| Average earning assets | $302,563,000 | 2,320 |
| Average equity | $44,700,500 | 1,814 |
| Average total loans | $267,387,500 | 1,975 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6158% | 312 |
| Cost of funding earning assets | 2.4898% | 371 |
| Net interest margin | 4.1260% | 1,037 |
| Noninterest income to average assets | 0.1600% | 3,995 |
| Noninterest expense to average assets | 2.4873% | 2,333 |
| Loan and lease loss provision to assets | 0.3500% | 287 |
| Net operating income to assets | 1.0044% | 2,209 |
| Return on assets (ROA) | 1.0044% | 2,191 |
| Pretax return on assets | 1.3317% | 1,793 |
| Return on Equity (ROE) | 6.8400% | 3,318 |
| Retained earnings to average equity (ytd only) | 6.8401% | 1,938 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 59.6416% | 3,123 |
| Assets per employee ($millions) | 10.1245% | 682 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6223% | 800 |
| 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 | 83.3900% | 314 |
| Net loans and leases to deposits | 99.0561% | 592 |
| Net loans and leases to core deposits | 120.3585% | 611 |
| Total domestic deposits to total assets | 84.1900% | 2,566 |
| Equity capital to assets | 14.1739% | 647 |
| Core capital (leverage) ratio | 13.9987% | 807 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6359% | 1,150 |
| Memoranda: | ||
| Average total assets | $291,726,000 | 2,460 |
| Average earning assets | $283,714,400 | 2,392 |
| Average equity | $42,835,800 | 1,792 |
| Average total loans | $242,577,400 | 2,047 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3912% | 344 |
| Cost of funding earning assets | 2.2604% | 445 |
| Net interest margin | 4.1307% | 1,015 |
| Noninterest income to average assets | 0.1700% | 3,949 |
| Noninterest expense to average assets | 2.5181% | 2,171 |
| Loan and lease loss provision to assets | 0.2700% | 361 |
| Net operating income to assets | 1.0724% | 2,139 |
| Return on assets (ROA) | 1.0724% | 2,128 |
| Pretax return on assets | 1.4205% | 1,730 |
| Return on Equity (ROE) | 7.2300% | 3,369 |
| Retained earnings to average equity (ytd only) | 7.2348% | 2,214 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 59.8627% | 2,979 |
| Assets per employee ($millions) | 11.1276% | 484 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4368% | 1,297 |
| 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 | 85.1200% | 203 |
| Net loans and leases to deposits | 99.1591% | 555 |
| Net loans and leases to core deposits | 128.5046% | 360 |
| Total domestic deposits to total assets | 85.8400% | 2,246 |
| Equity capital to assets | 13.9798% | 657 |
| Core capital (leverage) ratio | 14.2695% | 763 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2670% | 1,488 |
| Memoranda: | ||
| Average total assets | $286,192,750 | 2,493 |
| Average earning assets | $279,879,750 | 2,416 |
| Average equity | $42,423,250 | 1,789 |
| Average total loans | $236,709,250 | 2,070 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0475% | 423 |
| Cost of funding earning assets | 1.9666% | 531 |
| Net interest margin | 4.0809% | 1,111 |
| Noninterest income to average assets | 0.1400% | 4,111 |
| Noninterest expense to average assets | 2.3490% | 2,656 |
| Loan and lease loss provision to assets | 0.3100% | 297 |
| Net operating income to assets | 1.1284% | 2,040 |
| Return on assets (ROA) | 1.1284% | 2,038 |
| Pretax return on assets | 1.4856% | 1,628 |
| Return on Equity (ROE) | 7.4500% | 3,372 |
| Retained earnings to average equity (ytd only) | 7.4539% | 2,145 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 56.7304% | 3,331 |
| Assets per employee ($millions) | 10.3690% | 596 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5359% | 1,074 |
| 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 | 82.0500% | 421 |
| Net loans and leases to deposits | 98.1198% | 595 |
| Net loans and leases to core deposits | 117.7711% | 579 |
| Total domestic deposits to total assets | 83.6300% | 2,908 |
| Equity capital to assets | 14.7194% | 550 |
| Core capital (leverage) ratio | 15.5848% | 520 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4133% | 1,049 |
| Memoranda: | ||
| Average total assets | $277,733,000 | 2,544 |
| Average earning assets | $272,245,667 | 2,464 |
| Average equity | $42,045,333 | 1,810 |
| Average total loans | $225,922,333 | 2,119 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8962% | 359 |
| Cost of funding earning assets | 1.7217% | 543 |
| Net interest margin | 4.1746% | 989 |
| Noninterest income to average assets | 0.1100% | 4,318 |
| Noninterest expense to average assets | 2.4463% | 2,379 |
| Loan and lease loss provision to assets | 0.2600% | 353 |
| Net operating income to assets | 1.1421% | 2,093 |
| Return on assets (ROA) | 1.1421% | 2,059 |
| Pretax return on assets | 1.5134% | 1,646 |
| Return on Equity (ROE) | 7.4300% | 3,423 |
| Retained earnings to average equity (ytd only) | 7.4340% | 2,380 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 58.0014% | 3,196 |
| Assets per employee ($millions) | 11.4575% | 461 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5957% | 1,017 |
| 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 | 77.7300% | 794 |
| Net loans and leases to deposits | 92.0090% | 917 |
| Net loans and leases to core deposits | 104.1662% | 915 |
| Total domestic deposits to total assets | 84.4800% | 2,976 |
| Equity capital to assets | 15.3106% | 452 |
| Core capital (leverage) ratio | 15.8474% | 483 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6570% | 1,050 |
| Memoranda: | ||
| Average total assets | $271,433,500 | 2,604 |
| Average earning assets | $266,949,500 | 2,521 |
| Average equity | $41,700,500 | 1,849 |
| Average total loans | $217,910,000 | 2,183 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7807% | 446 |
| Cost of funding earning assets | 0.6699% | 670 |
| Net interest margin | 4.1109% | 641 |
| Noninterest income to average assets | 0.1000% | 4,426 |
| Noninterest expense to average assets | 2.2585% | 2,866 |
| Loan and lease loss provision to assets | 0.2400% | 394 |
| Net operating income to assets | 1.2267% | 1,678 |
| Return on assets (ROA) | 1.2267% | 1,626 |
| Pretax return on assets | 1.6523% | 1,032 |
| Return on Equity (ROE) | 7.5400% | 3,510 |
| Retained earnings to average equity (ytd only) | 7.5375% | 2,009 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 54.3491% | 3,767 |
| Assets per employee ($millions) | 12.1767% | 371 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5054% | 1,183 |
| 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 | 80.3800% | 552 |
| Net loans and leases to deposits | 95.1917% | 700 |
| Net loans and leases to core deposits | 105.3895% | 771 |
| Total domestic deposits to total assets | 84.4400% | 3,117 |
| Equity capital to assets | 15.4169% | 439 |
| Core capital (leverage) ratio | 16.2197% | 436 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $245,119,800 | 2,755 |
| Average earning assets | $241,531,400 | 2,662 |
| Average equity | $39,893,800 | 1,918 |
| Average total loans | $206,387,200 | 2,183 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4500% | 535 |
| Cost of funding earning assets | 0.4616% | 925 |
| Net interest margin | 3.9885% | 651 |
| Noninterest income to average assets | 0.1000% | 4,457 |
| Noninterest expense to average assets | 2.3355% | 2,524 |
| Loan and lease loss provision to assets | 0.2400% | 344 |
| Net operating income to assets | 1.1032% | 2,074 |
| Return on assets (ROA) | 1.1032% | 2,045 |
| Pretax return on assets | 1.4601% | 1,527 |
| Return on Equity (ROE) | 6.6800% | 3,656 |
| Retained earnings to average equity (ytd only) | 6.6796% | 2,484 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 57.8802% | 3,394 |
| Assets per employee ($millions) | 12.0422% | 379 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5032% | 1,277 |
| 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 | 80.8600% | 456 |
| Net loans and leases to deposits | 96.4454% | 536 |
| Net loans and leases to core deposits | 104.6540% | 627 |
| Total domestic deposits to total assets | 83.8500% | 3,534 |
| Equity capital to assets | 15.9482% | 376 |
| Core capital (leverage) ratio | 16.4215% | 406 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $239,427,750 | 2,808 |
| Average earning assets | $236,008,750 | 2,714 |
| Average equity | $39,542,250 | 1,957 |
| Average total loans | $203,332,000 | 2,205 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1861% | 653 |
| Cost of funding earning assets | 0.3462% | 1,303 |
| Net interest margin | 3.8399% | 690 |
| Noninterest income to average assets | 0.0843% | 4,544 |
| Noninterest expense to average assets | 2.3955% | 2,235 |
| Loan and lease loss provision to assets | 0.2384% | 313 |
| Net operating income to assets | 0.9321% | 2,434 |
| Return on assets (ROA) | 0.9321% | 2,414 |
| Pretax return on assets | 1.2369% | 1,942 |
| Return on Equity (ROE) | 5.5755% | 3,684 |
| Retained earnings to average equity (ytd only) | 5.5755% | 2,481 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8870% | 3,059 |
| Assets per employee ($millions) | 11.5206% | 436 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4155% | 1,692 |
| 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 | 85.5266% | 106 |
| Net loans and leases to deposits | 102.4438% | 197 |
| Net loans and leases to core deposits | 109.7010% | 356 |
| Total domestic deposits to total assets | 83.4863% | 3,789 |
| Equity capital to assets | 16.3384% | 311 |
| Core capital (leverage) ratio | 16.7606% | 336 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1015% | 700 |
| Memoranda: | ||
| Average total assets | $234,941,333 | 2,860 |
| Average earning assets | $231,670,667 | 2,780 |
| Average equity | $39,279,333 | 2,028 |
| Average total loans | $201,903,333 | 2,220 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0332% | 722 |
| Cost of funding earning assets | 0.3082% | 1,569 |
| Net interest margin | 3.7249% | 719 |
| Noninterest income to average assets | 0.0691% | 4,607 |
| Noninterest expense to average assets | 2.4507% | 2,014 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.9799% | 1,968 |
| Return on assets (ROA) | 0.9799% | 1,964 |
| Pretax return on assets | 1.2945% | 1,526 |
| Return on Equity (ROE) | 5.7924% | 3,404 |
| Retained earnings to average equity (ytd only) | 5.7924% | 2,320 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4361% | 2,844 |
| Assets per employee ($millions) | 10.9696% | 516 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3328% | 2,204 |
| 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 | 86.4825% | 50 |
| Net loans and leases to deposits | 104.6515% | 108 |
| Net loans and leases to core deposits | 109.7618% | 265 |
| Total domestic deposits to total assets | 82.6386% | 3,993 |
| Equity capital to assets | 17.0463% | 265 |
| Core capital (leverage) ratio | 17.2526% | 279 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $231,445,500 | 2,891 |
| Average earning assets | $228,407,000 | 2,824 |
| Average equity | $39,155,000 | 2,086 |
| Average total loans | $197,911,000 | 2,241 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1933% | 1,001 |
| Cost of funding earning assets | 0.3874% | 1,630 |
| Net interest margin | 3.8059% | 996 |
| Noninterest income to average assets | 0.1503% | 4,394 |
| Noninterest expense to average assets | 2.2801% | 2,853 |
| Loan and lease loss provision to assets | 0.1805% | 639 |
| Net operating income to assets | 1.4117% | 1,239 |
| Return on assets (ROA) | 1.4117% | 1,302 |
| Pretax return on assets | 1.4485% | 1,883 |
| Return on Equity (ROE) | 8.4788% | 3,087 |
| Retained earnings to average equity (ytd only) | 8.4788% | 1,353 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3293% | 3,390 |
| Assets per employee ($millions) | 11.0729% | 494 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3878% | 1,960 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 82.2337% | 167 |
| Net loans and leases to deposits | 99.3010% | 209 |
| Net loans and leases to core deposits | 103.8072% | 412 |
| Total domestic deposits to total assets | 82.8125% | 3,844 |
| Equity capital to assets | 16.7901% | 310 |
| Core capital (leverage) ratio | 15.7746% | 382 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $212,226,000 | 2,967 |
| Average earning assets | $209,594,600 | 2,875 |
| Average equity | $35,335,200 | 2,273 |
| Average total loans | $176,114,600 | 2,412 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2021% | 1,105 |
| Cost of funding earning assets | 0.4065% | 1,651 |
| Net interest margin | 3.7956% | 1,128 |
| Noninterest income to average assets | 0.1313% | 4,542 |
| Noninterest expense to average assets | 2.2328% | 2,962 |
| Loan and lease loss provision to assets | 0.1810% | 592 |
| Net operating income to assets | 1.4675% | 1,342 |
| Return on assets (ROA) | 1.4675% | 1,394 |
| Pretax return on assets | 1.4675% | 2,092 |
| Return on Equity (ROE) | 8.8348% | 3,157 |
| Retained earnings to average equity (ytd only) | 8.8348% | 1,756 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5290% | 3,346 |
| Assets per employee ($millions) | 11.6961% | 404 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3625% | 2,171 |
| 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 | 76.3079% | 525 |
| Net loans and leases to deposits | 90.8037% | 559 |
| Net loans and leases to core deposits | 94.2967% | 819 |
| Total domestic deposits to total assets | 84.0362% | 3,449 |
| Equity capital to assets | 15.6401% | 454 |
| Core capital (leverage) ratio | 16.0757% | 385 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $207,150,000 | 3,041 |
| Average earning assets | $204,654,750 | 2,945 |
| Average equity | $34,408,500 | 2,346 |
| Average total loans | $171,666,000 | 2,489 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2138% | 1,165 |
| Cost of funding earning assets | 0.4419% | 1,582 |
| Net interest margin | 3.7719% | 1,186 |
| Noninterest income to average assets | 0.1039% | 4,676 |
| Noninterest expense to average assets | 2.3321% | 2,663 |
| Loan and lease loss provision to assets | 0.1729% | 666 |
| Net operating income to assets | 1.3235% | 1,792 |
| Return on assets (ROA) | 1.3235% | 1,858 |
| Pretax return on assets | 1.3235% | 2,567 |
| Return on Equity (ROE) | 7.7767% | 3,465 |
| Retained earnings to average equity (ytd only) | 7.7767% | 2,161 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9140% | 2,887 |
| Assets per employee ($millions) | 11.7647% | 378 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4036% | 1,967 |
| 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 | 82.1311% | 211 |
| Net loans and leases to deposits | 100.2213% | 249 |
| Net loans and leases to core deposits | 105.1828% | 496 |
| Total domestic deposits to total assets | 81.9497% | 3,931 |
| Equity capital to assets | 17.6550% | 287 |
| Core capital (leverage) ratio | 17.6796% | 271 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $194,327,333 | 3,143 |
| Average earning assets | $191,892,000 | 3,050 |
| Average equity | $33,073,000 | 2,401 |
| Average total loans | $165,549,667 | 2,548 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0958% | 1,396 |
| Cost of funding earning assets | 0.4432% | 1,773 |
| Net interest margin | 3.6526% | 1,444 |
| Noninterest income to average assets | 0.0927% | 4,717 |
| Noninterest expense to average assets | 2.4546% | 2,317 |
| Loan and lease loss provision to assets | 0.2909% | 330 |
| Net operating income to assets | 0.9525% | 2,963 |
| Return on assets (ROA) | 0.9525% | 3,057 |
| Pretax return on assets | 0.9525% | 3,491 |
| Return on Equity (ROE) | 5.7187% | 3,942 |
| Retained earnings to average equity (ytd only) | 5.7187% | 2,998 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3753% | 2,175 |
| Assets per employee ($millions) | 11.4495% | 393 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4500% | 1,778 |
| 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 | 80.5678% | 308 |
| Net loans and leases to deposits | 98.4624% | 331 |
| Net loans and leases to core deposits | 103.6428% | 585 |
| Total domestic deposits to total assets | 81.8260% | 3,922 |
| Equity capital to assets | 17.7101% | 265 |
| Core capital (leverage) ratio | 20.0779% | 185 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.0371% | 511 |
| Memoranda: | ||
| Average total assets | $185,609,000 | 3,198 |
| Average earning assets | $183,213,000 | 3,111 |
| Average equity | $30,916,000 | 2,489 |
| Average total loans | $160,124,500 | 2,604 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5632% | 1,174 |
| Cost of funding earning assets | 0.6215% | 2,171 |
| Net interest margin | 3.9417% | 1,112 |
| Noninterest income to average assets | 0.2277% | 4,137 |
| Noninterest expense to average assets | 3.0379% | 1,355 |
| Loan and lease loss provision to assets | 1.2673% | 54 |
| Net operating income to assets | -0.2202% | 4,822 |
| Return on assets (ROA) | -0.1633% | 4,824 |
| Pretax return on assets | -0.1633% | 4,814 |
| Return on Equity (ROE) | -0.8709% | 4,813 |
| Retained earnings to average equity (ytd only) | -0.8709% | 4,624 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3674% | 1,401 |
| Assets per employee ($millions) | 9.1737% | 697 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5208% | 1,513 |
| 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 | 90.5091% | 24 |
| Net loans and leases to deposits | 114.1584% | 116 |
| Net loans and leases to core deposits | 121.0495% | 296 |
| Total domestic deposits to total assets | 79.2838% | 4,168 |
| Equity capital to assets | 15.3415% | 511 |
| Core capital (leverage) ratio | 15.2915% | 463 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4684% | 1,406 |
| Memoranda: | ||
| Average total assets | $133,513,800 | 3,582 |
| Average earning assets | $130,653,600 | 3,495 |
| Average equity | $25,031,400 | 2,802 |
| Average total loans | $107,736,000 | 3,123 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4034% | 1,843 |
| Cost of funding earning assets | 0.6686% | 2,211 |
| Net interest margin | 3.7348% | 1,817 |
| Noninterest income to average assets | 0.0403% | 4,906 |
| Noninterest expense to average assets | 3.2247% | 1,032 |
| Loan and lease loss provision to assets | 1.3024% | 79 |
| Net operating income to assets | -0.8460% | 4,934 |
| Return on assets (ROA) | -0.7717% | 4,934 |
| Pretax return on assets | -0.7717% | 4,922 |
| Return on Equity (ROE) | -3.8841% | 4,900 |
| Retained earnings to average equity (ytd only) | -3.8841% | 4,813 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.6009% | 434 |
| Assets per employee ($millions) | 9.1323% | 671 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3816% | 1,809 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 80.0287% | 612 |
| Net loans and leases to deposits | 94.8259% | 858 |
| Net loans and leases to core deposits | 100.1858% | 1,151 |
| Total domestic deposits to total assets | 84.3954% | 2,678 |
| Equity capital to assets | 15.0772% | 620 |
| Core capital (leverage) ratio | 16.7995% | 352 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3903% | 854 |
| Memoranda: | ||
| Average total assets | $125,610,500 | 3,671 |
| Average earning assets | $122,448,500 | 3,589 |
| Average equity | $24,956,000 | 2,792 |
| Average total loans | $96,729,250 | 3,294 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5091% | 1,886 |
| Cost of funding earning assets | 0.7813% | 1,922 |
| Net interest margin | 3.7277% | 2,059 |
| Noninterest income to average assets | 0.0497% | 4,913 |
| Noninterest expense to average assets | 3.4307% | 815 |
| Loan and lease loss provision to assets | 1.5565% | 76 |
| Net operating income to assets | -1.3134% | 4,986 |
| Return on assets (ROA) | -1.1927% | 4,978 |
| Pretax return on assets | -1.1927% | 4,965 |
| Return on Equity (ROE) | -5.3731% | 4,931 |
| Retained earnings to average equity (ytd only) | -5.3731% | 4,786 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.3816% | 312 |
| Assets per employee ($millions) | 7.6053% | 1,126 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3114% | 1,942 |
| 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 | 82.0725% | 409 |
| Net loans and leases to deposits | 100.9434% | 496 |
| Net loans and leases to core deposits | 106.8400% | 855 |
| Total domestic deposits to total assets | 81.3055% | 3,540 |
| Equity capital to assets | 18.1145% | 294 |
| Core capital (leverage) ratio | 19.2022% | 240 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.3220% | 554 |
| Memoranda: | ||
| Average total assets | $112,687,000 | 3,822 |
| Average earning assets | $109,557,000 | 3,749 |
| Average equity | $25,013,333 | 2,779 |
| Average total loans | $84,507,333 | 3,510 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5460% | 2,169 |
| Cost of funding earning assets | 1.1437% | 923 |
| Net interest margin | 3.4024% | 3,289 |
| Noninterest income to average assets | 0.0398% | 4,990 |
| Noninterest expense to average assets | 3.3724% | 1,109 |
| Loan and lease loss provision to assets | 2.1157% | 61 |
| Net operating income to assets | -2.1356% | 5,058 |
| Return on assets (ROA) | -1.9009% | 5,035 |
| Pretax return on assets | -1.9009% | 5,022 |
| Return on Equity (ROE) | -7.6112% | 4,970 |
| Retained earnings to average equity (ytd only) | -7.6112% | 4,672 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.5931% | 228 |
| Assets per employee ($millions) | 7.8874% | 771 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4569% | 1,508 |
| 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 | 70.2580% | 2,209 |
| Net loans and leases to deposits | 91.3556% | 1,360 |
| Net loans and leases to core deposits | 98.7526% | 1,572 |
| Total domestic deposits to total assets | 76.9061% | 4,365 |
| Equity capital to assets | 22.5487% | 162 |
| Core capital (leverage) ratio | 23.4806% | 137 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.8484% | 265 |
| Memoranda: | ||
| Average total assets | $100,582,500 | 3,979 |
| Average earning assets | $97,931,500 | 3,899 |
| Average equity | $25,121,000 | 2,768 |
| Average total loans | $69,837,500 | 3,765 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0740% | 4,095 |
| Cost of funding earning assets | 0.7752% | 2,798 |
| Net interest margin | 3.2988% | 3,992 |
| Noninterest income to average assets | 0.0363% | 5,062 |
| Noninterest expense to average assets | 4.8204% | 245 |
| Loan and lease loss provision to assets | 0.9314% | 105 |
| Net operating income to assets | -2.5432% | 5,141 |
| Return on assets (ROA) | -2.5236% | 5,141 |
| Pretax return on assets | -2.5236% | 5,137 |
| Return on Equity (ROE) | -6.5010% | 5,094 |
| Retained earnings to average equity (ytd only) | -6.5010% | 5,018 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 150.2356% | 44 |
| Assets per employee ($millions) | 6.9802% | 1,045 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0107% | 3,433 |
| 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 | 66.4863% | 2,897 |
| Net loans and leases to deposits | 93.3281% | 1,216 |
| Net loans and leases to core deposits | 100.8812% | 1,493 |
| Total domestic deposits to total assets | 71.2393% | 4,889 |
| Equity capital to assets | 27.9286% | 87 |
| Core capital (leverage) ratio | 29.0414% | 77 |
| Tier 1 risk-based capital ratio | 38.2780% | 270 |
| Total risk-based capital ratio | 39.2096% | 271 |
| Memoranda: | ||
| Average total assets | $66,136,250 | 4,495 |
| Average earning assets | $63,598,750 | 4,442 |
| Average equity | $25,673,000 | 2,662 |
| Average total loans | $37,419,500 | 4,465 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7694% | 4,706 |
| Cost of funding earning assets | 0.5871% | 3,754 |
| Net interest margin | 3.1822% | 4,340 |
| Noninterest income to average assets | 0.0230% | 5,165 |
| Noninterest expense to average assets | 5.8732% | 144 |
| Loan and lease loss provision to assets | 1.1783% | 78 |
| Net operating income to assets | -3.9975% | 5,239 |
| Return on assets (ROA) | -3.9975% | 5,239 |
| Pretax return on assets | -3.9975% | 5,238 |
| Return on Equity (ROE) | -8.9866% | 5,193 |
| Retained earnings to average equity (ytd only) | -8.9866% | 5,135 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 192.3135% | 24 |
| Assets per employee ($millions) | 5.6434% | 1,896 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0230% | 3,442 |
| 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 | 62.7000% | 3,421 |
| Net loans and leases to deposits | 93.8415% | 1,231 |
| Net loans and leases to core deposits | 102.7141% | 1,441 |
| Total domestic deposits to total assets | 66.8148% | 5,085 |
| Equity capital to assets | 32.3043% | 62 |
| Core capital (leverage) ratio | 40.0526% | 53 |
| Tier 1 risk-based capital ratio | 46.0732% | 168 |
| Total risk-based capital ratio | 47.0001% | 169 |
| Memoranda: | ||
| Average total assets | $57,934,330 | 4,692 |
| Average earning assets | $55,180,330 | 4,662 |
| Average equity | $25,771,000 | 2,659 |
| Average total loans | $29,577,000 | 4,716 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6541% | 4,878 |
| Cost of funding earning assets | 0.4455% | 4,340 |
| Net interest margin | 3.2086% | 4,349 |
| Noninterest income to average assets | 0.0042% | 5,249 |
| Noninterest expense to average assets | 6.9793% | 112 |
| Loan and lease loss provision to assets | 1.1182% | 86 |
| Net operating income to assets | -5.0847% | 5,289 |
| Return on assets (ROA) | -5.0847% | 5,289 |
| Pretax return on assets | -5.0847% | 5,289 |
| Return on Equity (ROE) | -9.3068% | 5,236 |
| Retained earnings to average equity (ytd only) | -9.3068% | 5,166 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 231.6527% | 15 |
| Assets per employee ($millions) | 3.7924% | 4,139 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0303% | 3,440 |
| 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 | 47.9452% | 4,575 |
| Net loans and leases to deposits | 95.0560% | 1,145 |
| Net loans and leases to core deposits | 101.6329% | 1,587 |
| Total domestic deposits to total assets | 50.4388% | 5,250 |
| Equity capital to assets | 48.3783% | 37 |
| Core capital (leverage) ratio | 55.7016% | 36 |
| Tier 1 risk-based capital ratio | 68.2563% | 71 |
| Total risk-based capital ratio | 68.9618% | 72 |
| Memoranda: | ||
| Average total assets | $47,397,500 | 4,901 |
| Average earning assets | $44,443,500 | 4,884 |
| Average equity | $25,895,000 | 2,644 |
| Average total loans | $19,340,500 | 4,990 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3854% | 5,124 |
| Cost of funding earning assets | 0.2768% | 4,912 |
| Net interest margin | 3.1086% | 4,580 |
| Noninterest income to average assets | 0.0000% | 5,305 |
| Noninterest expense to average assets | 7.6545% | 92 |
| Loan and lease loss provision to assets | 1.2566% | 68 |
| Net operating income to assets | -6.1102% | 5,354 |
| Return on assets (ROA) | -6.1102% | 5,353 |
| Pretax return on assets | -6.1102% | 5,352 |
| Return on Equity (ROE) | -9.7610% | 5,292 |
| Retained earnings to average equity (ytd only) | -9.7610% | 5,098 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 273.2877% | 8 |
| Assets per employee ($millions) | 3.4751% | 4,585 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0108% | 3,624 |
| 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 | 30.7643% | 5,136 |
| Net loans and leases to deposits | 85.3616% | 2,206 |
| Net loans and leases to core deposits | 89.8641% | 2,518 |
| Total domestic deposits to total assets | 36.0399% | 5,329 |
| Equity capital to assets | 62.5980% | 30 |
| Core capital (leverage) ratio | 86.8079% | 20 |
| Tier 1 risk-based capital ratio | 125.9116% | 35 |
| Total risk-based capital ratio | 126.5435% | 35 |
| Memoranda: | ||
| Average total assets | $41,701,000 | 5,037 |
| Average earning assets | $37,573,000 | 5,036 |
| Average equity | $26,104,000 | 2,632 |
| Average total loans | $12,960,000 | 5,192 |