Home > American Bank of the Carolinas > Performance and Condition Ratios
American Bank of the Carolinas, 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 | 5.5022% | 1,156 |
| Cost of funding earning assets | 0.9283% | 3,462 |
| Net interest margin | 4.5739% | 546 |
| Noninterest income to average assets | 0.2500% | 3,442 |
| Noninterest expense to average assets | 3.0555% | 1,031 |
| Loan and lease loss provision to assets | 0.1600% | 816 |
| Net operating income to assets | 1.3209% | 1,393 |
| Return on assets (ROA) | 1.3209% | 1,357 |
| Pretax return on assets | 1.4013% | 1,630 |
| Return on Equity (ROE) | 12.0800% | 1,939 |
| Retained earnings to average equity (ytd only) | 12.0775% | 623 |
| 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 | 66.1513% | 2,338 |
| Assets per employee ($millions) | 5.5423% | 3,212 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0244% | 3,190 |
| 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 | 65.5200% | 2,309 |
| Net loans and leases to deposits | 76.0108% | 2,451 |
| Net loans and leases to core deposits | 85.4089% | 2,345 |
| Total domestic deposits to total assets | 86.2000% | 1,953 |
| Equity capital to assets | 11.6060% | 1,252 |
| Core capital (leverage) ratio | 13.8862% | 823 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $155,425,800 | 3,314 |
| Average earning assets | $148,450,400 | 3,264 |
| Average equity | $16,998,600 | 3,096 |
| Average total loans | $98,442,200 | 3,191 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3418% | 1,226 |
| Cost of funding earning assets | 0.8146% | 3,485 |
| Net interest margin | 4.5272% | 592 |
| Noninterest income to average assets | 0.2500% | 3,449 |
| Noninterest expense to average assets | 3.1329% | 889 |
| Loan and lease loss provision to assets | 0.0700% | 1,559 |
| Net operating income to assets | 1.3108% | 1,528 |
| Return on assets (ROA) | 1.3108% | 1,507 |
| Pretax return on assets | 1.3792% | 1,826 |
| Return on Equity (ROE) | 12.1800% | 2,080 |
| Retained earnings to average equity (ytd only) | 12.1796% | 943 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 68.3853% | 1,976 |
| Assets per employee ($millions) | 6.3755% | 2,426 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0311% | 3,205 |
| 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 | 64.1700% | 2,427 |
| Net loans and leases to deposits | 73.9312% | 2,568 |
| Net loans and leases to core deposits | 81.9695% | 2,468 |
| Total domestic deposits to total assets | 86.8000% | 1,950 |
| Equity capital to assets | 10.9325% | 1,372 |
| Core capital (leverage) ratio | 14.3702% | 741 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $154,100,500 | 3,333 |
| Average earning assets | $147,313,250 | 3,284 |
| Average equity | $16,584,750 | 3,110 |
| Average total loans | $96,451,250 | 3,218 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2481% | 1,151 |
| Cost of funding earning assets | 0.6570% | 3,607 |
| Net interest margin | 4.5911% | 539 |
| Noninterest income to average assets | 0.2600% | 3,340 |
| Noninterest expense to average assets | 3.1088% | 899 |
| Loan and lease loss provision to assets | 0.0500% | 1,895 |
| Net operating income to assets | 1.4165% | 1,290 |
| Return on assets (ROA) | 1.4165% | 1,273 |
| Pretax return on assets | 1.4903% | 1,620 |
| Return on Equity (ROE) | 13.2300% | 1,855 |
| Retained earnings to average equity (ytd only) | 13.2309% | 772 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 66.8058% | 2,134 |
| Assets per employee ($millions) | 6.1102% | 2,617 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0260% | 3,310 |
| 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 | 64.7900% | 2,298 |
| Net loans and leases to deposits | 75.2437% | 2,387 |
| Net loans and leases to core deposits | 81.8999% | 2,342 |
| Total domestic deposits to total assets | 86.1100% | 2,202 |
| Equity capital to assets | 11.5982% | 1,175 |
| Core capital (leverage) ratio | 14.4684% | 683 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $154,463,333 | 3,347 |
| Average earning assets | $147,938,000 | 3,296 |
| Average equity | $16,537,000 | 3,140 |
| Average total loans | $95,531,333 | 3,228 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1904% | 967 |
| Cost of funding earning assets | 0.4554% | 3,824 |
| Net interest margin | 4.7350% | 418 |
| Noninterest income to average assets | 0.2300% | 3,568 |
| Noninterest expense to average assets | 2.8970% | 1,238 |
| Loan and lease loss provision to assets | 0.0700% | 1,437 |
| Net operating income to assets | 1.7478% | 751 |
| Return on assets (ROA) | 1.7478% | 741 |
| Pretax return on assets | 1.8362% | 1,011 |
| Return on Equity (ROE) | 16.9800% | 1,176 |
| Retained earnings to average equity (ytd only) | 16.9800% | 596 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 60.3684% | 2,914 |
| Assets per employee ($millions) | 6.1863% | 2,595 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0068% | 3,491 |
| 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 | 64.1800% | 2,235 |
| Net loans and leases to deposits | 73.3930% | 2,345 |
| Net loans and leases to core deposits | 75.5072% | 2,569 |
| Total domestic deposits to total assets | 87.4400% | 2,115 |
| Equity capital to assets | 11.4198% | 1,183 |
| Core capital (leverage) ratio | 13.0027% | 976 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $158,373,000 | 3,349 |
| Average earning assets | $152,820,000 | 3,293 |
| Average equity | $16,301,500 | 3,193 |
| Average total loans | $95,296,000 | 3,266 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0786% | 1,522 |
| Cost of funding earning assets | 0.1404% | 4,175 |
| Net interest margin | 3.9382% | 880 |
| Noninterest income to average assets | 0.2100% | 3,885 |
| Noninterest expense to average assets | 3.2288% | 687 |
| Loan and lease loss provision to assets | 0.0900% | 1,322 |
| Net operating income to assets | 0.6656% | 3,719 |
| Return on assets (ROA) | 0.6656% | 3,670 |
| Pretax return on assets | 0.7023% | 3,842 |
| Return on Equity (ROE) | 5.7100% | 3,882 |
| Retained earnings to average equity (ytd only) | 5.7083% | 2,746 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 80.2860% | 697 |
| Assets per employee ($millions) | 7.0115% | 1,969 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9996% | 3,393 |
| 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 | 55.5000% | 3,078 |
| Net loans and leases to deposits | 61.8959% | 3,207 |
| Net loans and leases to core deposits | 62.5403% | 3,358 |
| Total domestic deposits to total assets | 89.6700% | 1,497 |
| Equity capital to assets | 9.2990% | 2,156 |
| Core capital (leverage) ratio | 12.5503% | 1,074 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $139,122,200 | 3,543 |
| Average earning assets | $134,605,600 | 3,478 |
| Average equity | $16,222,000 | 3,252 |
| Average total loans | $80,505,800 | 3,412 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8237% | 1,674 |
| Cost of funding earning assets | 0.1119% | 4,180 |
| Net interest margin | 3.7118% | 1,107 |
| Noninterest income to average assets | 0.2200% | 3,870 |
| Noninterest expense to average assets | 3.3557% | 550 |
| Loan and lease loss provision to assets | 0.0800% | 1,289 |
| Net operating income to assets | 0.3691% | 4,289 |
| Return on assets (ROA) | 0.3691% | 4,234 |
| Pretax return on assets | 0.3691% | 4,303 |
| Return on Equity (ROE) | 2.9700% | 4,299 |
| Retained earnings to average equity (ytd only) | 2.9737% | 3,777 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 88.1275% | 385 |
| Assets per employee ($millions) | 5.8334% | 2,903 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0141% | 3,405 |
| 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 | 60.1700% | 2,483 |
| Net loans and leases to deposits | 67.9477% | 2,538 |
| Net loans and leases to core deposits | 68.3728% | 2,766 |
| Total domestic deposits to total assets | 88.5500% | 2,256 |
| Equity capital to assets | 10.2397% | 1,498 |
| Core capital (leverage) ratio | 13.0701% | 886 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $131,833,750 | 3,641 |
| Average earning assets | $127,446,000 | 3,580 |
| Average equity | $16,365,500 | 3,278 |
| Average total loans | $77,046,750 | 3,472 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5186% | 2,078 |
| Cost of funding earning assets | 0.1089% | 4,094 |
| Net interest margin | 3.4097% | 1,572 |
| Noninterest income to average assets | 0.2312% | 3,795 |
| Noninterest expense to average assets | 3.5402% | 425 |
| Loan and lease loss provision to assets | 0.0031% | 2,549 |
| Net operating income to assets | -0.0142% | 4,579 |
| Return on assets (ROA) | -0.0142% | 4,550 |
| Pretax return on assets | -0.0142% | 4,543 |
| Return on Equity (ROE) | -0.1069% | 4,550 |
| Retained earnings to average equity (ytd only) | -0.1069% | 4,186 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.3119% | 185 |
| Assets per employee ($millions) | 5.6265% | 3,108 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0285% | 3,477 |
| 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 | 56.0279% | 2,754 |
| Net loans and leases to deposits | 64.0388% | 2,718 |
| Net loans and leases to core deposits | 64.6699% | 2,920 |
| Total domestic deposits to total assets | 87.4906% | 2,768 |
| Equity capital to assets | 11.2781% | 1,109 |
| Core capital (leverage) ratio | 13.9048% | 647 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $127,167,000 | 3,724 |
| Average earning assets | $123,002,000 | 3,662 |
| Average equity | $16,843,000 | 3,333 |
| Average total loans | $73,179,667 | 3,567 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3536% | 2,228 |
| Cost of funding earning assets | 0.1096% | 4,020 |
| Net interest margin | 3.2440% | 1,743 |
| Noninterest income to average assets | 0.2325% | 3,755 |
| Noninterest expense to average assets | 3.6007% | 389 |
| Loan and lease loss provision to assets | 0.3853% | 142 |
| Net operating income to assets | -0.6079% | 4,715 |
| Return on assets (ROA) | -0.6079% | 4,706 |
| Pretax return on assets | -0.6079% | 4,691 |
| Return on Equity (ROE) | -4.2233% | 4,690 |
| Retained earnings to average equity (ytd only) | -4.2233% | 4,390 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.5880% | 163 |
| Assets per employee ($millions) | 5.1619% | 3,613 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2518% | 2,593 |
| 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 | 57.0935% | 2,406 |
| Net loans and leases to deposits | 66.5480% | 2,291 |
| Net loans and leases to core deposits | 67.2772% | 2,511 |
| Total domestic deposits to total assets | 85.7929% | 3,322 |
| Equity capital to assets | 12.8162% | 732 |
| Core capital (leverage) ratio | 14.7853% | 463 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $120,419,500 | 3,811 |
| Average earning assets | $116,769,500 | 3,760 |
| Average equity | $17,332,500 | 3,375 |
| Average total loans | $69,955,000 | 3,621 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6174% | 2,334 |
| Cost of funding earning assets | 0.1029% | 4,362 |
| Net interest margin | 3.5145% | 1,687 |
| Noninterest income to average assets | 0.2098% | 4,117 |
| Noninterest expense to average assets | 4.4507% | 221 |
| Loan and lease loss provision to assets | 0.3789% | 182 |
| Net operating income to assets | -1.2060% | 4,793 |
| Return on assets (ROA) | -1.2060% | 4,796 |
| Pretax return on assets | -1.2060% | 4,792 |
| Return on Equity (ROE) | -5.8868% | 4,786 |
| Retained earnings to average equity (ytd only) | -5.8868% | 4,723 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 122.8251% | 62 |
| Assets per employee ($millions) | 4.4716% | 4,136 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2512% | 2,620 |
| 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 | 57.6800% | 2,404 |
| Net loans and leases to deposits | 68.9474% | 2,228 |
| Net loans and leases to core deposits | 70.0713% | 2,437 |
| Total domestic deposits to total assets | 83.6579% | 3,646 |
| Equity capital to assets | 16.2142% | 357 |
| Core capital (leverage) ratio | 17.4385% | 275 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $91,042,800 | 4,084 |
| Average earning assets | $88,432,600 | 4,040 |
| Average equity | $18,652,000 | 3,333 |
| Average total loans | $53,651,000 | 3,936 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7402% | 2,172 |
| Cost of funding earning assets | 0.1024% | 4,483 |
| Net interest margin | 3.6378% | 1,498 |
| Noninterest income to average assets | 0.1895% | 4,257 |
| Noninterest expense to average assets | 4.5455% | 210 |
| Loan and lease loss provision to assets | 0.3948% | 163 |
| Net operating income to assets | -1.2191% | 4,873 |
| Return on assets (ROA) | -1.2191% | 4,873 |
| Pretax return on assets | -1.2191% | 4,869 |
| Return on Equity (ROE) | -5.5721% | 4,855 |
| Retained earnings to average equity (ytd only) | -5.5721% | 4,794 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 122.1619% | 69 |
| Assets per employee ($millions) | 4.2167% | 4,322 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2471% | 2,753 |
| 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 | 59.3578% | 2,336 |
| Net loans and leases to deposits | 73.4207% | 1,913 |
| Net loans and leases to core deposits | 75.0978% | 2,135 |
| Total domestic deposits to total assets | 80.8461% | 4,115 |
| Equity capital to assets | 19.0167% | 227 |
| Core capital (leverage) ratio | 20.5131% | 165 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $85,855,750 | 4,196 |
| Average earning assets | $83,344,750 | 4,141 |
| Average equity | $18,783,500 | 3,363 |
| Average total loans | $50,739,250 | 4,036 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5591% | 2,746 |
| Cost of funding earning assets | 0.1003% | 4,583 |
| Net interest margin | 3.4589% | 1,978 |
| Noninterest income to average assets | 0.1412% | 4,495 |
| Noninterest expense to average assets | 4.6819% | 198 |
| Loan and lease loss provision to assets | 0.2508% | 392 |
| Net operating income to assets | -1.4316% | 4,914 |
| Return on assets (ROA) | -1.4316% | 4,914 |
| Pretax return on assets | -1.4316% | 4,908 |
| Return on Equity (ROE) | -6.2232% | 4,887 |
| Retained earnings to average equity (ytd only) | -6.2232% | 4,809 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 133.7274% | 50 |
| Assets per employee ($millions) | 3.7280% | 4,591 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1449% | 3,220 |
| 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 | 58.0034% | 2,670 |
| Net loans and leases to deposits | 74.3467% | 1,970 |
| Net loans and leases to core deposits | 76.3439% | 2,204 |
| Total domestic deposits to total assets | 78.0174% | 4,432 |
| Equity capital to assets | 21.7785% | 135 |
| Core capital (leverage) ratio | 21.8233% | 133 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $82,146,667 | 4,263 |
| Average earning assets | $79,795,000 | 4,213 |
| Average equity | $18,897,000 | 3,344 |
| Average total loans | $48,221,000 | 4,114 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5473% | 2,792 |
| Cost of funding earning assets | 0.0921% | 4,693 |
| Net interest margin | 3.4552% | 1,946 |
| Noninterest income to average assets | 0.1693% | 4,349 |
| Noninterest expense to average assets | 4.5801% | 203 |
| Loan and lease loss provision to assets | 0.1842% | 668 |
| Net operating income to assets | -1.2346% | 4,936 |
| Return on assets (ROA) | -1.2346% | 4,936 |
| Pretax return on assets | -1.2346% | 4,936 |
| Return on Equity (ROE) | -5.2187% | 4,905 |
| Retained earnings to average equity (ytd only) | -5.2187% | 4,709 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 129.7602% | 57 |
| Assets per employee ($millions) | 3.8910% | 4,538 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0589% | 3,619 |
| 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 | 55.6693% | 3,082 |
| Net loans and leases to deposits | 71.4421% | 2,369 |
| Net loans and leases to core deposits | 73.3658% | 2,576 |
| Total domestic deposits to total assets | 77.9222% | 4,445 |
| Equity capital to assets | 21.9387% | 129 |
| Core capital (leverage) ratio | 23.8450% | 113 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $80,347,500 | 4,303 |
| Average earning assets | $78,143,000 | 4,247 |
| Average equity | $19,008,500 | 3,329 |
| Average total loans | $47,176,000 | 4,155 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2840% | 4,354 |
| Cost of funding earning assets | 0.3313% | 3,969 |
| Net interest margin | 2.9527% | 4,004 |
| Noninterest income to average assets | 0.1590% | 4,499 |
| Noninterest expense to average assets | 5.9175% | 132 |
| Loan and lease loss provision to assets | 0.5342% | 429 |
| Net operating income to assets | -3.4973% | 4,980 |
| Return on assets (ROA) | -3.4973% | 4,981 |
| Pretax return on assets | -3.4420% | 4,980 |
| Return on Equity (ROE) | -10.1597% | 4,945 |
| Retained earnings to average equity (ytd only) | -10.1597% | 4,913 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 196.6111% | 22 |
| Assets per employee ($millions) | 3.4133% | 4,685 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0241% | 3,785 |
| 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 | 60.8778% | 2,747 |
| Net loans and leases to deposits | 82.0441% | 1,658 |
| Net loans and leases to core deposits | 85.2065% | 1,934 |
| Total domestic deposits to total assets | 74.2013% | 4,627 |
| Equity capital to assets | 25.6176% | 92 |
| Core capital (leverage) ratio | 25.9856% | 83 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $57,845,000 | 4,543 |
| Average earning assets | $55,846,800 | 4,497 |
| Average equity | $19,912,000 | 3,196 |
| Average total loans | $31,327,200 | 4,492 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1163% | 4,656 |
| Cost of funding earning assets | 0.4115% | 3,757 |
| Net interest margin | 2.7048% | 4,459 |
| Noninterest income to average assets | 0.1096% | 4,725 |
| Noninterest expense to average assets | 6.2465% | 121 |
| Loan and lease loss provision to assets | 0.5828% | 441 |
| Net operating income to assets | -4.1967% | 5,013 |
| Return on assets (ROA) | -4.1967% | 5,013 |
| Pretax return on assets | -4.1170% | 5,014 |
| Return on Equity (ROE) | -11.1879% | 4,971 |
| Retained earnings to average equity (ytd only) | -11.1879% | 4,943 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 230.3030% | 17 |
| Assets per employee ($millions) | 3.1329% | 4,802 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9402% | 3,932 |
| 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 | 63.7407% | 2,798 |
| Net loans and leases to deposits | 90.7979% | 1,182 |
| Net loans and leases to core deposits | 95.7202% | 1,479 |
| Total domestic deposits to total assets | 70.2006% | 4,748 |
| Equity capital to assets | 29.5957% | 65 |
| Core capital (leverage) ratio | 30.8099% | 60 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $53,533,000 | 4,625 |
| Average earning assets | $51,512,250 | 4,583 |
| Average equity | $20,080,750 | 3,179 |
| Average total loans | $27,612,000 | 4,589 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9860% | 4,846 |
| Cost of funding earning assets | 0.4843% | 3,632 |
| Net interest margin | 2.5017% | 4,737 |
| Noninterest income to average assets | 0.0688% | 4,871 |
| Noninterest expense to average assets | 6.6616% | 116 |
| Loan and lease loss provision to assets | 0.6310% | 486 |
| Net operating income to assets | -4.9507% | 5,050 |
| Return on assets (ROA) | -4.9507% | 5,050 |
| Pretax return on assets | -4.8213% | 5,048 |
| Return on Equity (ROE) | -12.0686% | 4,999 |
| Retained earnings to average equity (ytd only) | -12.0686% | 4,948 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 269.5581% | 11 |
| Assets per employee ($millions) | 2.7714% | 4,918 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8932% | 4,025 |
| 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 | 61.0086% | 3,212 |
| Net loans and leases to deposits | 92.8506% | 1,065 |
| Net loans and leases to core deposits | 97.6325% | 1,443 |
| Total domestic deposits to total assets | 65.7062% | 4,888 |
| Equity capital to assets | 34.1409% | 49 |
| Core capital (leverage) ratio | 36.2560% | 48 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $49,447,333 | 4,696 |
| Average earning assets | $47,488,333 | 4,663 |
| Average equity | $20,284,000 | 3,150 |
| Average total loans | $22,705,000 | 4,717 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9445% | 4,970 |
| Cost of funding earning assets | 0.6019% | 3,426 |
| Net interest margin | 2.3426% | 4,906 |
| Noninterest income to average assets | 0.0799% | 4,892 |
| Noninterest expense to average assets | 7.4727% | 106 |
| Loan and lease loss provision to assets | 0.7189% | 361 |
| Net operating income to assets | -5.8663% | 5,100 |
| Return on assets (ROA) | -5.8663% | 5,093 |
| Pretax return on assets | -5.8663% | 5,091 |
| Return on Equity (ROE) | -12.9032% | 5,023 |
| Retained earnings to average equity (ytd only) | -12.9032% | 4,847 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 321.3740% | 11 |
| Assets per employee ($millions) | 2.3040% | 4,993 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2751% | 2,258 |
| 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 | 41.1654% | 4,623 |
| Net loans and leases to deposits | 73.8323% | 3,286 |
| Net loans and leases to core deposits | 79.6080% | 3,234 |
| Total domestic deposits to total assets | 55.7552% | 5,051 |
| Equity capital to assets | 44.0148% | 39 |
| Core capital (leverage) ratio | 45.4819% | 37 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $45,071,000 | 4,782 |
| Average earning assets | $43,199,000 | 4,754 |
| Average equity | $20,491,000 | 3,122 |
| Average total loans | $16,144,000 | 4,881 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6184% | 5,156 |
| Cost of funding earning assets | 0.3400% | 4,624 |
| Net interest margin | 1.2784% | 5,146 |
| Noninterest income to average assets | 0.0215% | 5,093 |
| Noninterest expense to average assets | 7.1801% | 102 |
| Loan and lease loss provision to assets | 0.4412% | 312 |
| Net operating income to assets | -6.3758% | 5,170 |
| Return on assets (ROA) | -6.3758% | 5,170 |
| Pretax return on assets | -6.3758% | 5,170 |
| Return on Equity (ROE) | -11.2066% | 5,128 |
| Retained earnings to average equity (ytd only) | -11.2066% | 5,081 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 576.4579% | 8 |
| Assets per employee ($millions) | 2.3191% | 5,049 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2544% | 2,148 |
| 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 | 29.2996% | 4,980 |
| Net loans and leases to deposits | 55.3840% | 4,481 |
| Net loans and leases to core deposits | 60.1725% | 4,431 |
| Total domestic deposits to total assets | 52.9027% | 5,118 |
| Equity capital to assets | 46.9793% | 39 |
| Core capital (leverage) ratio | 50.7901% | 39 |
| Tier 1 risk-based capital ratio | 102.6429% | 44 |
| Total risk-based capital ratio | 103.4561% | 44 |
| Memoranda: | ||
| Average total assets | $37,172,000 | 4,937 |
| Average earning assets | $35,591,333 | 4,905 |
| Average equity | $21,148,333 | 3,026 |
| Average total loans | $6,036,000 | 5,117 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3020% | 5,245 |
| Cost of funding earning assets | 0.2315% | 4,969 |
| Net interest margin | 1.0705% | 5,240 |
| Noninterest income to average assets | 0.0158% | 5,180 |
| Noninterest expense to average assets | 7.6336% | 99 |
| Loan and lease loss provision to assets | 0.2174% | 792 |
| Net operating income to assets | -6.8114% | 5,248 |
| Return on assets (ROA) | -6.8114% | 5,247 |
| Pretax return on assets | -6.8114% | 5,247 |
| Return on Equity (ROE) | -10.7488% | 5,200 |
| Retained earnings to average equity (ytd only) | -10.7488% | 5,150 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 734.2205% | 6 |
| Assets per employee ($millions) | 2.2162% | 5,137 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2679% | 2,130 |
| 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 | 10.7365% | 5,199 |
| Net loans and leases to deposits | 23.1351% | 5,163 |
| Net loans and leases to core deposits | 25.6975% | 5,152 |
| Total domestic deposits to total assets | 46.4078% | 5,210 |
| Equity capital to assets | 53.4819% | 36 |
| Core capital (leverage) ratio | 62.8961% | 33 |
| Tier 1 risk-based capital ratio | 183.6849% | 27 |
| Total risk-based capital ratio | 184.1584% | 27 |
| Memoranda: | ||
| Average total assets | $33,727,000 | 5,053 |
| Average earning assets | $32,257,000 | 5,032 |
| Average equity | $21,372,500 | 3,034 |
| Average total loans | $2,517,000 | 5,219 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.8434% | 5,294 |
| Cost of funding earning assets | 0.0456% | 5,268 |
| Net interest margin | 0.7978% | 5,291 |
| Noninterest income to average assets | 0.0000% | 5,250 |
| Noninterest expense to average assets | 8.6496% | 83 |
| Loan and lease loss provision to assets | 0.0653% | 2,511 |
| Net operating income to assets | -7.9530% | 5,298 |
| Return on assets (ROA) | -7.9530% | 5,298 |
| Pretax return on assets | -7.9530% | 5,298 |
| Return on Equity (ROE) | -10.2382% | 5,244 |
| Retained earnings to average equity (ytd only) | -10.2382% | 5,183 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 1,135.2381% | 4 |
| Assets per employee ($millions) | 1.5312% | 5,234 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2931% | 2,046 |
| 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 | 2.4926% | 5,269 |
| Net loans and leases to deposits | 11.7758% | 5,254 |
| Net loans and leases to core deposits | 13.7565% | 5,243 |
| Total domestic deposits to total assets | 21.1668% | 5,278 |
| Equity capital to assets | 77.6794% | 26 |
| Core capital (leverage) ratio | 180.8345% | 1 |
| Tier 1 risk-based capital ratio | 338.5893% | 12 |
| Total risk-based capital ratio | 338.7316% | 12 |
| Memoranda: | ||
| Average total assets | $27,562,000 | 5,172 |
| Average earning assets | $26,322,000 | 5,152 |
| Average equity | $21,410,000 | 3,026 |
| Average total loans | $696,000 | 5,271 |