Home > Agility Bank > Performance and Condition Ratios
Agility Bank, Performance and Condition Ratios
| 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 | 6.0782% | 573 |
| Cost of funding earning assets | 1.3246% | 2,444 |
| Net interest margin | 4.7536% | 445 |
| Noninterest income to average assets | 0.1700% | 3,940 |
| Noninterest expense to average assets | 7.9667% | 134 |
| Loan and lease loss provision to assets | 0.7700% | 97 |
| Net operating income to assets | -4.2196% | 4,589 |
| Return on assets (ROA) | -4.2196% | 4,585 |
| Pretax return on assets | -4.2196% | 4,583 |
| Return on Equity (ROE) | -7.9100% | 4,490 |
| Retained earnings to average equity (ytd only) | -7.9078% | 4,441 |
| Net charge-offs to loans | 0.0568% | 1,289 |
| Credit loss provision to net charge-offs | 2,610.0000% | 181 |
| Earnings coverage of net charge-offs (x) | -117.8500% | 4,594 |
| Efficiency ratio | 176.3277% | 23 |
| Assets per employee ($millions) | 3.1933% | 4,353 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3201% | 1,680 |
| Loan loss allowance to noncurrent loans | 3,385.0000% | 333 |
| Noncurrent assets plus other real estate owned to assets | 0.0261% | 3,519 |
| Noncurrent loans to loans | 0.0390% | 3,444 |
| Net loans and leases to total assets | 66.0300% | 2,253 |
| Net loans and leases to deposits | 130.7446% | 43 |
| Net loans and leases to core deposits | 148.1874% | 218 |
| Total domestic deposits to total assets | 50.5000% | 4,469 |
| Equity capital to assets | 45.8154% | 133 |
| Core capital (leverage) ratio | 46.4412% | 87 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $68,347,000 | 4,129 |
| Average earning assets | $62,584,000 | 4,111 |
| Average equity | $36,470,400 | 2,000 |
| Average total loans | $35,187,200 | 4,067 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7913% | 701 |
| Cost of funding earning assets | 1.1860% | 2,472 |
| Net interest margin | 4.6052% | 521 |
| Noninterest income to average assets | 0.1800% | 3,904 |
| Noninterest expense to average assets | 8.0170% | 133 |
| Loan and lease loss provision to assets | 0.8900% | 74 |
| Net operating income to assets | -4.5225% | 4,614 |
| Return on assets (ROA) | -4.5225% | 4,613 |
| Pretax return on assets | -4.5225% | 4,612 |
| Return on Equity (ROE) | -8.1400% | 4,530 |
| Retained earnings to average equity (ytd only) | -8.1425% | 4,486 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 182.7982% | 23 |
| Assets per employee ($millions) | 2.8820% | 4,413 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3183% | 1,783 |
| Loan loss allowance to noncurrent loans | 1,452.3810% | 671 |
| Noncurrent assets plus other real estate owned to assets | 0.0561% | 3,251 |
| Noncurrent loans to loans | 0.0908% | 3,125 |
| Net loans and leases to total assets | 60.9400% | 2,753 |
| Net loans and leases to deposits | 125.7830% | 55 |
| Net loans and leases to core deposits | 140.3159% | 216 |
| Total domestic deposits to total assets | 48.4500% | 4,503 |
| Equity capital to assets | 47.6459% | 135 |
| Core capital (leverage) ratio | 50.0468% | 84 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $66,274,250 | 4,165 |
| Average earning assets | $60,480,500 | 4,154 |
| Average equity | $36,810,000 | 1,973 |
| Average total loans | $31,163,250 | 4,145 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4829% | 851 |
| Cost of funding earning assets | 0.9966% | 2,610 |
| Net interest margin | 4.4863% | 618 |
| Noninterest income to average assets | 0.1600% | 3,996 |
| Noninterest expense to average assets | 8.2066% | 129 |
| Loan and lease loss provision to assets | 1.1100% | 57 |
| Net operating income to assets | -5.0830% | 4,645 |
| Return on assets (ROA) | -5.0830% | 4,645 |
| Pretax return on assets | -5.0830% | 4,645 |
| Return on Equity (ROE) | -8.6700% | 4,571 |
| Retained earnings to average equity (ytd only) | -8.6661% | 4,492 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 193.8152% | 21 |
| Assets per employee ($millions) | 3.2930% | 4,387 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2574% | 2,140 |
| 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 | 59.0500% | 2,864 |
| Net loans and leases to deposits | 136.7332% | 35 |
| Net loans and leases to core deposits | 147.5217% | 154 |
| Total domestic deposits to total assets | 43.1800% | 4,538 |
| Equity capital to assets | 52.5436% | 124 |
| Core capital (leverage) ratio | 55.0195% | 79 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $63,388,333 | 4,216 |
| Average earning assets | $57,597,667 | 4,210 |
| Average equity | $37,179,333 | 1,975 |
| Average total loans | $26,126,667 | 4,227 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0314% | 1,172 |
| Cost of funding earning assets | 0.7459% | 2,905 |
| Net interest margin | 4.2854% | 825 |
| Noninterest income to average assets | 0.1100% | 4,318 |
| Noninterest expense to average assets | 7.9993% | 134 |
| Loan and lease loss provision to assets | 0.6700% | 102 |
| Net operating income to assets | -4.6806% | 4,668 |
| Return on assets (ROA) | -4.6806% | 4,666 |
| Pretax return on assets | -4.6806% | 4,663 |
| Return on Equity (ROE) | -7.5300% | 4,580 |
| Retained earnings to average equity (ytd only) | -7.5317% | 4,416 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 200.6633% | 24 |
| Assets per employee ($millions) | 3.3367% | 4,447 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1987% | 2,560 |
| 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 | 34.9700% | 4,225 |
| Net loans and leases to deposits | 95.6267% | 672 |
| Net loans and leases to core deposits | 99.3814% | 1,119 |
| Total domestic deposits to total assets | 36.5700% | 4,597 |
| Equity capital to assets | 58.7883% | 75 |
| Core capital (leverage) ratio | 62.2745% | 70 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $60,505,500 | 4,302 |
| Average earning assets | $54,697,000 | 4,295 |
| Average equity | $37,601,000 | 1,975 |
| Average total loans | $18,513,000 | 4,413 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1614% | 4,584 |
| Cost of funding earning assets | 0.2241% | 3,562 |
| Net interest margin | 1.9373% | 4,568 |
| Noninterest income to average assets | 0.1100% | 4,393 |
| Noninterest expense to average assets | 17.7045% | 73 |
| Loan and lease loss provision to assets | 0.3900% | 183 |
| Net operating income to assets | -16.2072% | 4,724 |
| Return on assets (ROA) | -16.2072% | 4,724 |
| Pretax return on assets | -16.2072% | 4,724 |
| Return on Equity (ROE) | -20.3600% | 4,689 |
| Retained earnings to average equity (ytd only) | -20.3565% | 4,693 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 939.8593% | 5 |
| Assets per employee ($millions) | 3.6009% | 4,415 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1999% | 2,384 |
| 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 | 25.0100% | 4,492 |
| Net loans and leases to deposits | 85.4179% | 1,359 |
| Net loans and leases to core deposits | 86.7028% | 1,696 |
| Total domestic deposits to total assets | 29.2800% | 4,631 |
| Equity capital to assets | 65.8382% | 74 |
| Core capital (leverage) ratio | 73.9392% | 61 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $45,282,333 | 4,485 |
| Average earning assets | $41,501,333 | 4,465 |
| Average equity | $36,052,333 | 2,069 |
| Average total loans | $8,599,667 | 4,582 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5147% | 4,663 |
| Cost of funding earning assets | 0.2243% | 2,994 |
| Net interest margin | 1.2904% | 4,662 |
| Noninterest income to average assets | 0.0600% | 4,582 |
| Noninterest expense to average assets | 23.7429% | 66 |
| Loan and lease loss provision to assets | 0.4300% | 126 |
| Net operating income to assets | -22.9150% | 4,763 |
| Return on assets (ROA) | -22.9150% | 4,763 |
| Pretax return on assets | -22.9150% | 4,763 |
| Return on Equity (ROE) | -25.6000% | 4,733 |
| Retained earnings to average equity (ytd only) | -25.5967% | 4,738 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 1,880.7588% | 3 |
| Assets per employee ($millions) | 2.9255% | 4,578 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2072% | 2,488 |
| 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 | 23.6800% | 4,553 |
| Net loans and leases to deposits | 180.3714% | 6 |
| Net loans and leases to core deposits | 188.5522% | 27 |
| Total domestic deposits to total assets | 13.1300% | 4,684 |
| Equity capital to assets | 86.5962% | 44 |
| Core capital (leverage) ratio | 95.3845% | 25 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $38,972,000 | 4,573 |
| Average earning assets | $36,266,000 | 4,551 |
| Average equity | $34,889,000 | 2,145 |
| Average total loans | $5,607,000 | 4,652 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.4261% | 4,763 |
| Cost of funding earning assets | 0.3689% | 1,117 |
| Net interest margin | 0.0572% | 4,768 |
| Noninterest income to average assets | 0.0705% | 4,582 |
| Noninterest expense to average assets | 34.5791% | 25 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | -34.4558% | 4,770 |
| Return on assets (ROA) | -34.4558% | 4,770 |
| Pretax return on assets | -34.4558% | 4,770 |
| Return on Equity (ROE) | -36.9324% | 4,763 |
| Retained earnings to average equity (ytd only) | -36.9324% | 4,755 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 28,042.8571% | 1 |
| Assets per employee ($millions) | 2.2707% | 4,679 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,721 |
| 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 | 2.0375% | 4,733 |
| Net loans and leases to deposits | 31.5025% | 4,513 |
| Net loans and leases to core deposits | 31.5025% | 4,540 |
| Total domestic deposits to total assets | 6.4678% | 4,755 |
| Equity capital to assets | 93.2944% | 9 |
| Core capital (leverage) ratio | 114.9438% | 3 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $34,061,000 | 4,655 |
| Average earning assets | $31,447,000 | 4,645 |
| Average equity | $31,777,000 | 2,323 |
| Average total loans | $694,000 | 4,738 |