Home > Beacon Community Bank > Performance and Condition Ratios
Beacon Community 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 | 4.8585% | 2,365 |
| Cost of funding earning assets | 2.3272% | 521 |
| Net interest margin | 2.5314% | 4,064 |
| Noninterest income to average assets | 0.1200% | 4,210 |
| Noninterest expense to average assets | 2.1653% | 3,208 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 0.2533% | 4,092 |
| Return on assets (ROA) | 0.2533% | 4,100 |
| Pretax return on assets | 0.3371% | 4,050 |
| Return on Equity (ROE) | 3.1700% | 3,995 |
| Retained earnings to average equity (ytd only) | 2.4501% | 3,461 |
| Net charge-offs to loans | 0.0018% | 2,754 |
| Credit loss provision to net charge-offs | 3,588.8889% | 143 |
| Earnings coverage of net charge-offs (x) | 251.3333% | 494 |
| Efficiency ratio | 84.6290% | 635 |
| Assets per employee ($millions) | 9.8861% | 731 |
| Cash dividends to net income (ytd only)* | 22.7865% | 2,843 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9780% | 3,422 |
| 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 | 86.4100% | 141 |
| Net loans and leases to deposits | 109.9634% | 200 |
| Net loans and leases to core deposits | 134.4878% | 342 |
| Total domestic deposits to total assets | 78.5800% | 3,664 |
| Equity capital to assets | 7.5505% | 3,689 |
| Core capital (leverage) ratio | 8.4434% | 4,140 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2104% | 2,781 |
| Memoranda: | ||
| Average total assets | $575,163,800 | 1,536 |
| Average earning assets | $554,325,400 | 1,485 |
| Average equity | $45,916,400 | 1,713 |
| Average total loans | $505,078,600 | 1,224 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7389% | 2,396 |
| Cost of funding earning assets | 2.0860% | 613 |
| Net interest margin | 2.6529% | 3,944 |
| Noninterest income to average assets | 0.1200% | 4,221 |
| Noninterest expense to average assets | 2.1399% | 3,235 |
| Loan and lease loss provision to assets | 0.0800% | 1,428 |
| Net operating income to assets | 0.3481% | 4,058 |
| Return on assets (ROA) | 0.3481% | 4,061 |
| Pretax return on assets | 0.4639% | 3,970 |
| Return on Equity (ROE) | 4.2900% | 3,939 |
| Retained earnings to average equity (ytd only) | 3.3097% | 3,439 |
| Net charge-offs to loans | 0.0025% | 2,460 |
| Credit loss provision to net charge-offs | 3,588.8889% | 139 |
| Earnings coverage of net charge-offs (x) | 250.7778% | 512 |
| Efficiency ratio | 79.8086% | 865 |
| Assets per employee ($millions) | 9.3806% | 814 |
| Cash dividends to net income (ytd only)* | 22.8808% | 2,350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0351% | 3,183 |
| 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 | 86.0000% | 156 |
| Net loans and leases to deposits | 102.6200% | 408 |
| Net loans and leases to core deposits | 118.1815% | 600 |
| Total domestic deposits to total assets | 83.8100% | 2,832 |
| Equity capital to assets | 7.7756% | 3,195 |
| Core capital (leverage) ratio | 8.8461% | 3,906 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1470% | 2,572 |
| Memoranda: | ||
| Average total assets | $555,833,500 | 1,593 |
| Average earning assets | $536,649,750 | 1,535 |
| Average equity | $45,079,000 | 1,717 |
| Average total loans | $488,998,000 | 1,253 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5476% | 2,531 |
| Cost of funding earning assets | 1.7531% | 808 |
| Net interest margin | 2.7945% | 3,829 |
| Noninterest income to average assets | 0.1200% | 4,227 |
| Noninterest expense to average assets | 2.1895% | 3,106 |
| Loan and lease loss provision to assets | 0.1000% | 1,140 |
| Net operating income to assets | 0.3965% | 4,009 |
| Return on assets (ROA) | 0.3965% | 4,019 |
| Pretax return on assets | 0.5292% | 3,914 |
| Return on Equity (ROE) | 4.8100% | 3,902 |
| Retained earnings to average equity (ytd only) | 4.8118% | 2,989 |
| Net charge-offs to loans | 0.0038% | 2,168 |
| Credit loss provision to net charge-offs | 3,088.8889% | 175 |
| Earnings coverage of net charge-offs (x) | 188.1111% | 643 |
| Efficiency ratio | 77.5672% | 1,032 |
| Assets per employee ($millions) | 9.3865% | 806 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0953% | 2,975 |
| 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 | 87.1200% | 113 |
| Net loans and leases to deposits | 116.5744% | 118 |
| Net loans and leases to core deposits | 142.3461% | 194 |
| Total domestic deposits to total assets | 74.7300% | 4,143 |
| Equity capital to assets | 8.4883% | 2,877 |
| Core capital (leverage) ratio | 9.8428% | 2,911 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1135% | 2,252 |
| Memoranda: | ||
| Average total assets | $534,738,667 | 1,650 |
| Average earning assets | $516,583,333 | 1,579 |
| Average equity | $44,058,667 | 1,750 |
| Average total loans | $472,658,000 | 1,270 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3937% | 2,562 |
| Cost of funding earning assets | 1.5518% | 765 |
| Net interest margin | 2.8418% | 3,882 |
| Noninterest income to average assets | 0.1100% | 4,318 |
| Noninterest expense to average assets | 2.2163% | 3,057 |
| Loan and lease loss provision to assets | 0.1300% | 852 |
| Net operating income to assets | 0.3823% | 4,115 |
| Return on assets (ROA) | 0.3823% | 4,065 |
| Pretax return on assets | 0.5126% | 3,975 |
| Return on Equity (ROE) | 4.7200% | 3,929 |
| Retained earnings to average equity (ytd only) | 4.7192% | 3,084 |
| Net charge-offs to loans | 0.0079% | 1,653 |
| Credit loss provision to net charge-offs | 1,922.2222% | 204 |
| Earnings coverage of net charge-offs (x) | 92.6667% | 824 |
| Efficiency ratio | 77.4106% | 1,057 |
| Assets per employee ($millions) | 9.6967% | 760 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1490% | 2,823 |
| 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 | 87.4200% | 93 |
| Net loans and leases to deposits | 105.3841% | 270 |
| Net loans and leases to core deposits | 127.1156% | 317 |
| Total domestic deposits to total assets | 82.9500% | 3,306 |
| Equity capital to assets | 8.6185% | 2,808 |
| Core capital (leverage) ratio | 9.9295% | 2,763 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3754% | 2,231 |
| Memoranda: | ||
| Average total assets | $515,821,000 | 1,713 |
| Average earning assets | $499,538,500 | 1,652 |
| Average equity | $41,787,000 | 1,848 |
| Average total loans | $456,814,000 | 1,325 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9284% | 1,913 |
| Cost of funding earning assets | 0.7247% | 522 |
| Net interest margin | 3.2038% | 2,860 |
| Noninterest income to average assets | 0.1200% | 4,342 |
| Noninterest expense to average assets | 2.0560% | 3,424 |
| Loan and lease loss provision to assets | 0.3700% | 191 |
| Net operating income to assets | 0.6010% | 3,880 |
| Return on assets (ROA) | 0.6010% | 3,836 |
| Pretax return on assets | 0.8148% | 3,587 |
| Return on Equity (ROE) | 7.1100% | 3,618 |
| Retained earnings to average equity (ytd only) | 7.1069% | 2,196 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 63.4293% | 2,573 |
| Assets per employee ($millions) | 10.1699% | 645 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1889% | 2,444 |
| 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 | 87.6400% | 84 |
| Net loans and leases to deposits | 106.3798% | 236 |
| Net loans and leases to core deposits | 117.1585% | 423 |
| Total domestic deposits to total assets | 82.3900% | 3,552 |
| Equity capital to assets | 7.5473% | 3,358 |
| Core capital (leverage) ratio | 8.9756% | 3,712 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3110% | 2,643 |
| Memoranda: | ||
| Average total assets | $437,412,600 | 1,897 |
| Average earning assets | $425,717,400 | 1,833 |
| Average equity | $36,992,200 | 2,039 |
| Average total loans | $375,287,600 | 1,475 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7996% | 1,769 |
| Cost of funding earning assets | 0.5907% | 458 |
| Net interest margin | 3.2089% | 2,595 |
| Noninterest income to average assets | 0.1200% | 4,379 |
| Noninterest expense to average assets | 2.0357% | 3,385 |
| Loan and lease loss provision to assets | 0.3800% | 152 |
| Net operating income to assets | 0.6139% | 3,802 |
| Return on assets (ROA) | 0.6139% | 3,756 |
| Pretax return on assets | 0.8296% | 3,510 |
| Return on Equity (ROE) | 7.0400% | 3,588 |
| Retained earnings to average equity (ytd only) | 7.0361% | 2,348 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 62.7287% | 2,726 |
| Assets per employee ($millions) | 9.9820% | 661 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1884% | 2,588 |
| 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 | 85.7300% | 137 |
| Net loans and leases to deposits | 101.6140% | 315 |
| Net loans and leases to core deposits | 108.6863% | 511 |
| Total domestic deposits to total assets | 84.3600% | 3,412 |
| Equity capital to assets | 7.8701% | 2,978 |
| Core capital (leverage) ratio | 9.3676% | 3,213 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0766% | 2,442 |
| Memoranda: | ||
| Average total assets | $422,184,250 | 1,959 |
| Average earning assets | $411,472,500 | 1,885 |
| Average equity | $36,837,750 | 2,076 |
| Average total loans | $358,610,500 | 1,512 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7072% | 1,519 |
| Cost of funding earning assets | 0.5145% | 480 |
| Net interest margin | 3.1927% | 2,209 |
| Noninterest income to average assets | 0.1186% | 4,405 |
| Noninterest expense to average assets | 2.0333% | 3,340 |
| Loan and lease loss provision to assets | 0.4388% | 122 |
| Net operating income to assets | 0.5608% | 3,729 |
| Return on assets (ROA) | 0.5608% | 3,681 |
| Pretax return on assets | 0.7601% | 3,425 |
| Return on Equity (ROE) | 6.1941% | 3,531 |
| Retained earnings to average equity (ytd only) | 6.1941% | 2,275 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9072% | 2,932 |
| Assets per employee ($millions) | 9.9713% | 668 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1882% | 2,748 |
| 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 | 85.7863% | 95 |
| Net loans and leases to deposits | 98.4453% | 326 |
| Net loans and leases to core deposits | 104.1871% | 500 |
| Total domestic deposits to total assets | 87.1411% | 2,889 |
| Equity capital to assets | 8.4807% | 2,781 |
| Core capital (leverage) ratio | 9.7124% | 2,707 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5581% | 2,269 |
| Memoranda: | ||
| Average total assets | $406,527,667 | 2,028 |
| Average earning assets | $396,469,667 | 1,953 |
| Average equity | $36,809,333 | 2,120 |
| Average total loans | $342,473,667 | 1,550 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5990% | 1,508 |
| Cost of funding earning assets | 0.4932% | 516 |
| Net interest margin | 3.1059% | 2,158 |
| Noninterest income to average assets | 0.1137% | 4,440 |
| Noninterest expense to average assets | 2.0132% | 3,396 |
| Loan and lease loss provision to assets | 0.3740% | 150 |
| Net operating income to assets | 0.5625% | 3,514 |
| Return on assets (ROA) | 0.5625% | 3,491 |
| Pretax return on assets | 0.7592% | 3,231 |
| Return on Equity (ROE) | 5.9984% | 3,346 |
| Retained earnings to average equity (ytd only) | 5.9984% | 2,255 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9857% | 3,029 |
| Assets per employee ($millions) | 9.2532% | 841 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1874% | 2,925 |
| 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 | 81.7393% | 174 |
| Net loans and leases to deposits | 93.5571% | 381 |
| Net loans and leases to core deposits | 97.7808% | 581 |
| Total domestic deposits to total assets | 87.3683% | 2,791 |
| Equity capital to assets | 9.0836% | 2,640 |
| Core capital (leverage) ratio | 10.2571% | 2,051 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5259% | 1,978 |
| Memoranda: | ||
| Average total assets | $390,422,000 | 2,094 |
| Average earning assets | $381,216,000 | 2,024 |
| Average equity | $36,610,000 | 2,191 |
| Average total loans | $323,258,500 | 1,608 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0472% | 1,253 |
| Cost of funding earning assets | 0.5526% | 702 |
| Net interest margin | 3.4946% | 1,753 |
| Noninterest income to average assets | 0.1428% | 4,443 |
| Noninterest expense to average assets | 2.2181% | 3,016 |
| Loan and lease loss provision to assets | 0.3115% | 260 |
| Net operating income to assets | 1.2236% | 1,844 |
| Return on assets (ROA) | 1.2236% | 1,893 |
| Pretax return on assets | 1.0296% | 3,181 |
| Return on Equity (ROE) | 12.6589% | 1,584 |
| Retained earnings to average equity (ytd only) | 12.6589% | 448 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3211% | 2,817 |
| Assets per employee ($millions) | 9.8343% | 701 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1733% | 3,004 |
| 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 | 81.9073% | 186 |
| Net loans and leases to deposits | 93.2295% | 410 |
| Net loans and leases to core deposits | 97.6152% | 630 |
| Total domestic deposits to total assets | 87.8556% | 2,123 |
| Equity capital to assets | 9.6967% | 2,944 |
| Core capital (leverage) ratio | 10.3321% | 2,051 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8276% | 1,917 |
| Memoranda: | ||
| Average total assets | $327,800,400 | 2,305 |
| Average earning assets | $320,468,800 | 2,228 |
| Average equity | $31,685,200 | 2,437 |
| Average total loans | $276,830,600 | 1,808 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0917% | 1,323 |
| Cost of funding earning assets | 0.5578% | 795 |
| Net interest margin | 3.5338% | 1,775 |
| Noninterest income to average assets | 0.1479% | 4,455 |
| Noninterest expense to average assets | 2.3262% | 2,669 |
| Loan and lease loss provision to assets | 0.2731% | 307 |
| Net operating income to assets | 1.3720% | 1,624 |
| Return on assets (ROA) | 1.3720% | 1,678 |
| Pretax return on assets | 1.0011% | 3,452 |
| Return on Equity (ROE) | 14.2071% | 1,336 |
| Retained earnings to average equity (ytd only) | 14.2071% | 487 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6102% | 2,297 |
| Assets per employee ($millions) | 8.3854% | 1,095 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1493% | 3,210 |
| 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 | 81.5824% | 210 |
| Net loans and leases to deposits | 95.2815% | 369 |
| Net loans and leases to core deposits | 101.0833% | 551 |
| Total domestic deposits to total assets | 85.6225% | 2,904 |
| Equity capital to assets | 9.5739% | 3,312 |
| Core capital (leverage) ratio | 10.3647% | 2,176 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8836% | 2,009 |
| Memoranda: | ||
| Average total assets | $316,324,750 | 2,385 |
| Average earning assets | $309,043,500 | 2,307 |
| Average equity | $30,547,250 | 2,526 |
| Average total loans | $268,607,250 | 1,873 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9871% | 1,592 |
| Cost of funding earning assets | 0.5596% | 908 |
| Net interest margin | 3.4276% | 2,069 |
| Noninterest income to average assets | 0.1634% | 4,381 |
| Noninterest expense to average assets | 2.3635% | 2,575 |
| Loan and lease loss provision to assets | 0.2644% | 360 |
| Net operating income to assets | 1.6161% | 1,020 |
| Return on assets (ROA) | 1.6161% | 1,074 |
| Pretax return on assets | 0.8816% | 3,698 |
| Return on Equity (ROE) | 16.6812% | 827 |
| Retained earnings to average equity (ytd only) | 16.6812% | 290 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3469% | 1,960 |
| Assets per employee ($millions) | 8.2229% | 1,110 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0757% | 3,520 |
| 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 | 82.3485% | 204 |
| Net loans and leases to deposits | 104.1717% | 182 |
| Net loans and leases to core deposits | 112.9450% | 303 |
| Total domestic deposits to total assets | 79.0508% | 4,339 |
| Equity capital to assets | 9.3140% | 3,498 |
| Core capital (leverage) ratio | 11.0377% | 1,590 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6083% | 1,761 |
| Memoranda: | ||
| Average total assets | $307,166,000 | 2,415 |
| Average earning assets | $299,863,333 | 2,353 |
| Average equity | $29,758,000 | 2,573 |
| Average total loans | $263,562,333 | 1,904 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2029% | 1,198 |
| Cost of funding earning assets | 0.5870% | 928 |
| Net interest margin | 3.6159% | 1,539 |
| Noninterest income to average assets | 0.2081% | 4,137 |
| Noninterest expense to average assets | 2.3273% | 2,703 |
| Loan and lease loss provision to assets | 0.2396% | 452 |
| Net operating income to assets | 1.1144% | 2,428 |
| Return on assets (ROA) | 1.1144% | 2,508 |
| Pretax return on assets | 1.1664% | 2,935 |
| Return on Equity (ROE) | 11.2522% | 2,288 |
| Retained earnings to average equity (ytd only) | 11.2522% | 1,333 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3396% | 2,697 |
| Assets per employee ($millions) | 8.3538% | 1,052 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0741% | 3,548 |
| 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 | 85.3835% | 106 |
| Net loans and leases to deposits | 111.3584% | 126 |
| Net loans and leases to core deposits | 123.0822% | 218 |
| Total domestic deposits to total assets | 76.6746% | 4,542 |
| Equity capital to assets | 9.6457% | 3,056 |
| Core capital (leverage) ratio | 11.5250% | 1,395 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5601% | 1,721 |
| Memoranda: | ||
| Average total assets | $292,179,500 | 2,472 |
| Average earning assets | $284,849,500 | 2,416 |
| Average equity | $28,936,500 | 2,623 |
| Average total loans | $255,019,500 | 1,939 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0025% | 2,719 |
| Cost of funding earning assets | 0.8579% | 996 |
| Net interest margin | 3.1445% | 3,506 |
| Noninterest income to average assets | 0.0867% | 4,781 |
| Noninterest expense to average assets | 2.8964% | 1,698 |
| Loan and lease loss provision to assets | 0.5960% | 342 |
| Net operating income to assets | -0.3607% | 4,855 |
| Return on assets (ROA) | -0.3085% | 4,856 |
| Pretax return on assets | -0.3085% | 4,848 |
| Return on Equity (ROE) | -2.3299% | 4,854 |
| Retained earnings to average equity (ytd only) | -2.3299% | 4,730 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.4862% | 303 |
| Assets per employee ($millions) | 8.3419% | 929 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0432% | 3,705 |
| 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 | 87.3903% | 59 |
| Net loans and leases to deposits | 119.2983% | 78 |
| Net loans and leases to core deposits | 135.2639% | 159 |
| Total domestic deposits to total assets | 73.2536% | 4,671 |
| Equity capital to assets | 10.1772% | 2,957 |
| Core capital (leverage) ratio | 12.2374% | 1,150 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4766% | 1,403 |
| Memoranda: | ||
| Average total assets | $214,609,800 | 2,832 |
| Average earning assets | $207,822,600 | 2,759 |
| Average equity | $28,413,000 | 2,580 |
| Average total loans | $186,956,200 | 2,355 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0010% | 2,973 |
| Cost of funding earning assets | 0.9366% | 943 |
| Net interest margin | 3.0644% | 3,828 |
| Noninterest income to average assets | 0.0811% | 4,819 |
| Noninterest expense to average assets | 3.0692% | 1,290 |
| Loan and lease loss provision to assets | 0.6856% | 318 |
| Net operating income to assets | -0.7121% | 4,918 |
| Return on assets (ROA) | -0.6364% | 4,915 |
| Pretax return on assets | -0.6364% | 4,909 |
| Return on Equity (ROE) | -4.4381% | 4,906 |
| Retained earnings to average equity (ytd only) | -4.4381% | 4,827 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.8659% | 167 |
| Assets per employee ($millions) | 7.9169% | 1,034 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9917% | 3,738 |
| 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 | 89.7622% | 46 |
| Net loans and leases to deposits | 127.1078% | 69 |
| Net loans and leases to core deposits | 145.3649% | 140 |
| Total domestic deposits to total assets | 70.6190% | 4,738 |
| Equity capital to assets | 10.8820% | 2,494 |
| Core capital (leverage) ratio | 13.6582% | 793 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8028% | 939 |
| Memoranda: | ||
| Average total assets | $197,356,500 | 2,946 |
| Average earning assets | $190,747,250 | 2,886 |
| Average equity | $28,300,000 | 2,574 |
| Average total loans | $171,077,250 | 2,477 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0385% | 3,229 |
| Cost of funding earning assets | 1.0644% | 805 |
| Net interest margin | 2.9741% | 4,181 |
| Noninterest income to average assets | 0.0761% | 4,853 |
| Noninterest expense to average assets | 3.5716% | 680 |
| Loan and lease loss provision to assets | 0.6805% | 416 |
| Net operating income to assets | -1.3064% | 4,984 |
| Return on assets (ROA) | -1.1792% | 4,975 |
| Pretax return on assets | -1.1792% | 4,963 |
| Return on Equity (ROE) | -7.3469% | 4,959 |
| Retained earnings to average equity (ytd only) | -7.3469% | 4,857 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 121.2495% | 86 |
| Assets per employee ($millions) | 7.2290% | 1,306 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9536% | 3,784 |
| Loan loss allowance to noncurrent loans | 1,498.4496% | 404 |
| Noncurrent assets plus other real estate owned to assets | 0.0558% | 4,248 |
| Noncurrent loans to loans | 0.0636% | 4,220 |
| Net loans and leases to total assets | 86.7914% | 100 |
| Net loans and leases to deposits | 120.4666% | 92 |
| Net loans and leases to core deposits | 139.1650% | 175 |
| Total domestic deposits to total assets | 72.0461% | 4,705 |
| Equity capital to assets | 12.2022% | 1,537 |
| Core capital (leverage) ratio | 14.5157% | 647 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.8025% | 601 |
| Memoranda: | ||
| Average total assets | $176,056,333 | 3,112 |
| Average earning assets | $169,863,667 | 3,049 |
| Average equity | $28,256,667 | 2,570 |
| Average total loans | $149,150,000 | 2,664 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3802% | 2,687 |
| Cost of funding earning assets | 1.3261% | 524 |
| Net interest margin | 3.0541% | 4,194 |
| Noninterest income to average assets | 0.0809% | 4,891 |
| Noninterest expense to average assets | 4.0506% | 483 |
| Loan and lease loss provision to assets | 0.7411% | 346 |
| Net operating income to assets | -1.7814% | 5,039 |
| Return on assets (ROA) | -1.7814% | 5,024 |
| Pretax return on assets | -1.7814% | 5,013 |
| Return on Equity (ROE) | -9.3522% | 4,992 |
| Retained earnings to average equity (ytd only) | -9.3522% | 4,744 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 134.5568% | 76 |
| Assets per employee ($millions) | 5.0322% | 2,616 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2502% | 2,390 |
| Loan loss allowance to noncurrent loans | 1,247.2868% | 467 |
| Noncurrent assets plus other real estate owned to assets | 0.0801% | 4,207 |
| Noncurrent loans to loans | 0.1002% | 4,106 |
| Net loans and leases to total assets | 78.9268% | 838 |
| Net loans and leases to deposits | 99.6300% | 581 |
| Net loans and leases to core deposits | 120.0482% | 464 |
| Total domestic deposits to total assets | 79.2199% | 4,007 |
| Equity capital to assets | 17.7167% | 380 |
| Core capital (leverage) ratio | 18.8441% | 290 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.1449% | 435 |
| Memoranda: | ||
| Average total assets | $148,421,000 | 3,345 |
| Average earning assets | $142,367,500 | 3,273 |
| Average equity | $28,271,500 | 2,556 |
| Average total loans | $122,372,500 | 2,927 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4814% | 3,007 |
| Cost of funding earning assets | 1.2121% | 1,001 |
| Net interest margin | 3.2692% | 4,046 |
| Noninterest income to average assets | 0.0427% | 5,050 |
| Noninterest expense to average assets | 5.5682% | 157 |
| Loan and lease loss provision to assets | 0.8148% | 126 |
| Net operating income to assets | -3.2468% | 5,149 |
| Return on assets (ROA) | -3.1595% | 5,148 |
| Pretax return on assets | -3.1595% | 5,148 |
| Return on Equity (ROE) | -10.8913% | 5,125 |
| Retained earnings to average equity (ytd only) | -10.8913% | 5,072 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 177.5510% | 27 |
| Assets per employee ($millions) | 4.5271% | 3,182 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1496% | 2,703 |
| Loan loss allowance to noncurrent loans | 1,034.1085% | 574 |
| Noncurrent assets plus other real estate owned to assets | 0.0950% | 4,149 |
| Noncurrent loans to loans | 0.1112% | 4,083 |
| Net loans and leases to total assets | 84.4595% | 281 |
| Net loans and leases to deposits | 111.5512% | 155 |
| Net loans and leases to core deposits | 136.9489% | 201 |
| Total domestic deposits to total assets | 75.7137% | 4,629 |
| Equity capital to assets | 20.6269% | 223 |
| Core capital (leverage) ratio | 23.9218% | 138 |
| Tier 1 risk-based capital ratio | 26.3319% | 656 |
| Total risk-based capital ratio | 27.5817% | 643 |
| Memoranda: | ||
| Average total assets | $98,434,600 | 4,024 |
| Average earning assets | $93,141,400 | 3,993 |
| Average equity | $28,555,000 | 2,469 |
| Average total loans | $74,502,200 | 3,691 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5847% | 2,776 |
| Cost of funding earning assets | 1.2180% | 990 |
| Net interest margin | 3.3667% | 3,945 |
| Noninterest income to average assets | 0.0673% | 5,075 |
| Noninterest expense to average assets | 5.7947% | 146 |
| Loan and lease loss provision to assets | 0.6794% | 157 |
| Net operating income to assets | -3.2341% | 5,226 |
| Return on assets (ROA) | -3.1054% | 5,225 |
| Pretax return on assets | -3.1054% | 5,222 |
| Return on Equity (ROE) | -9.6430% | 5,199 |
| Retained earnings to average equity (ytd only) | -9.6430% | 5,141 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 178.8453% | 27 |
| Assets per employee ($millions) | 3.5008% | 4,502 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1503% | 2,772 |
| Loan loss allowance to noncurrent loans | 764.3411% | 703 |
| Noncurrent assets plus other real estate owned to assets | 0.1228% | 4,116 |
| Noncurrent loans to loans | 0.1505% | 4,000 |
| Net loans and leases to total assets | 80.6770% | 750 |
| Net loans and leases to deposits | 112.3634% | 170 |
| Net loans and leases to core deposits | 142.3596% | 164 |
| Total domestic deposits to total assets | 71.8000% | 4,930 |
| Equity capital to assets | 26.4518% | 109 |
| Core capital (leverage) ratio | 27.7212% | 89 |
| Tier 1 risk-based capital ratio | 32.4233% | 414 |
| Total risk-based capital ratio | 33.5796% | 411 |
| Memoranda: | ||
| Average total assets | $89,090,000 | 4,211 |
| Average earning assets | $83,957,750 | 4,177 |
| Average equity | $28,690,250 | 2,481 |
| Average total loans | $64,117,500 | 3,948 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4911% | 3,044 |
| Cost of funding earning assets | 1.1531% | 1,125 |
| Net interest margin | 3.3380% | 4,053 |
| Noninterest income to average assets | 0.0645% | 5,123 |
| Noninterest expense to average assets | 6.0111% | 141 |
| Loan and lease loss provision to assets | 0.5706% | 195 |
| Net operating income to assets | -3.3660% | 5,278 |
| Return on assets (ROA) | -3.1607% | 5,276 |
| Pretax return on assets | -3.1607% | 5,275 |
| Return on Equity (ROE) | -9.1331% | 5,234 |
| Retained earnings to average equity (ytd only) | -9.1331% | 5,162 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 186.9339% | 26 |
| Assets per employee ($millions) | 3.4906% | 4,508 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1300% | 2,897 |
| 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 | 71.5779% | 2,269 |
| Net loans and leases to deposits | 105.3157% | 367 |
| Net loans and leases to core deposits | 139.0784% | 204 |
| Total domestic deposits to total assets | 67.9650% | 5,106 |
| Equity capital to assets | 30.1251% | 67 |
| Core capital (leverage) ratio | 31.9023% | 63 |
| Tier 1 risk-based capital ratio | 41.2483% | 220 |
| Total risk-based capital ratio | 42.3713% | 217 |
| Memoranda: | ||
| Average total assets | $83,778,330 | 4,309 |
| Average earning assets | $79,090,330 | 4,282 |
| Average equity | $28,993,330 | 2,452 |
| Average total loans | $56,917,670 | 4,104 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3235% | 3,486 |
| Cost of funding earning assets | 1.0755% | 1,272 |
| Net interest margin | 3.2480% | 4,284 |
| Noninterest income to average assets | 0.0611% | 5,178 |
| Noninterest expense to average assets | 5.9024% | 145 |
| Loan and lease loss provision to assets | 0.9218% | 95 |
| Net operating income to assets | -3.6871% | 5,339 |
| Return on assets (ROA) | -3.6871% | 5,338 |
| Pretax return on assets | -3.6871% | 5,336 |
| Return on Equity (ROE) | -9.8860% | 5,294 |
| Retained earnings to average equity (ytd only) | -9.8860% | 5,103 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 188.1494% | 27 |
| Assets per employee ($millions) | 3.7362% | 4,295 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1894% | 2,639 |
| 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 | 68.9281% | 2,634 |
| Net loans and leases to deposits | 107.2111% | 286 |
| Net loans and leases to core deposits | 151.3762% | 116 |
| Total domestic deposits to total assets | 64.2919% | 5,235 |
| Equity capital to assets | 33.7007% | 60 |
| Core capital (leverage) ratio | 37.5319% | 50 |
| Tier 1 risk-based capital ratio | 48.9834% | 140 |
| Total risk-based capital ratio | 50.1945% | 137 |
| Memoranda: | ||
| Average total assets | $78,544,000 | 4,444 |
| Average earning assets | $74,384,500 | 4,406 |
| Average equity | $29,294,000 | 2,449 |
| Average total loans | $51,261,000 | 4,280 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9599% | 5,246 |
| Cost of funding earning assets | 0.3842% | 4,087 |
| Net interest margin | 2.5756% | 5,169 |
| Noninterest income to average assets | 0.0597% | 5,246 |
| Noninterest expense to average assets | 7.2545% | 102 |
| Loan and lease loss provision to assets | 1.0594% | 81 |
| Net operating income to assets | -5.8247% | 5,399 |
| Return on assets (ROA) | -5.8247% | 5,399 |
| Pretax return on assets | -5.8247% | 5,397 |
| Return on Equity (ROE) | -9.8051% | 5,348 |
| Retained earnings to average equity (ytd only) | -9.8051% | 5,316 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 291.4400% | 8 |
| Assets per employee ($millions) | 3.3883% | 4,667 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2495% | 2,303 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 59.0893% | 3,863 |
| Net loans and leases to deposits | 104.4960% | 459 |
| Net loans and leases to core deposits | 123.8038% | 448 |
| Total domestic deposits to total assets | 56.5470% | 5,342 |
| Equity capital to assets | 41.6387% | 44 |
| Core capital (leverage) ratio | 46.5261% | 40 |
| Tier 1 risk-based capital ratio | 70.7312% | 63 |
| Total risk-based capital ratio | 71.9810% | 63 |
| Memoranda: | ||
| Average total assets | $50,217,250 | 4,930 |
| Average earning assets | $47,366,750 | 4,908 |
| Average equity | $29,831,500 | 2,346 |
| Average total loans | $20,736,250 | 5,059 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6982% | 5,379 |
| Cost of funding earning assets | 0.1847% | 5,077 |
| Net interest margin | 2.5135% | 5,279 |
| Noninterest income to average assets | 0.0617% | 5,315 |
| Noninterest expense to average assets | 7.7954% | 91 |
| Loan and lease loss provision to assets | 1.0639% | 75 |
| Net operating income to assets | -6.4479% | 5,471 |
| Return on assets (ROA) | -6.4479% | 5,471 |
| Pretax return on assets | -6.4479% | 5,469 |
| Return on Equity (ROE) | -9.3244% | 5,416 |
| Retained earnings to average equity (ytd only) | -9.3244% | 5,383 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 323.2737% | 7 |
| Assets per employee ($millions) | 2.4720% | 5,291 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2493% | 2,370 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 55.1589% | 4,282 |
| Net loans and leases to deposits | 150.7379% | 13 |
| Net loans and leases to core deposits | 150.7379% | 129 |
| Total domestic deposits to total assets | 36.5926% | 5,443 |
| Equity capital to assets | 61.1744% | 34 |
| Core capital (leverage) ratio | 64.3945% | 31 |
| Tier 1 risk-based capital ratio | 110.3935% | 37 |
| Total risk-based capital ratio | 111.6421% | 37 |
| Memoranda: | ||
| Average total assets | $43,238,000 | 5,119 |
| Average earning assets | $40,420,330 | 5,103 |
| Average equity | $29,899,330 | 2,344 |
| Average total loans | $13,456,000 | 5,287 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2576% | 5,490 |
| Cost of funding earning assets | 0.1180% | 5,353 |
| Net interest margin | 2.1396% | 5,452 |
| Noninterest income to average assets | 0.0548% | 5,393 |
| Noninterest expense to average assets | 8.0872% | 88 |
| Loan and lease loss provision to assets | 0.7574% | 124 |
| Net operating income to assets | -6.8016% | 5,537 |
| Return on assets (ROA) | -6.8016% | 5,536 |
| Pretax return on assets | -6.8016% | 5,536 |
| Return on Equity (ROE) | -9.1836% | 5,468 |
| Retained earnings to average equity (ytd only) | -9.1836% | 5,405 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 395.8537% | 7 |
| Assets per employee ($millions) | 2.3057% | 5,388 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2463% | 2,452 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 27.4927% | 5,364 |
| Net loans and leases to deposits | 102.3801% | 634 |
| Net loans and leases to core deposits | 102.3801% | 1,534 |
| Total domestic deposits to total assets | 26.8535% | 5,511 |
| Equity capital to assets | 70.6013% | 32 |
| Core capital (leverage) ratio | 75.9818% | 30 |
| Tier 1 risk-based capital ratio | 195.6065% | 28 |
| Total risk-based capital ratio | 196.5688% | 28 |
| Memoranda: | ||
| Average total assets | $40,137,500 | 5,219 |
| Average earning assets | $37,296,500 | 5,208 |
| Average equity | $29,727,000 | 2,369 |
| Average total loans | $6,376,500 | 5,474 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2218% | 5,559 |
| Cost of funding earning assets | 0.0594% | 5,541 |
| Net interest margin | 2.1624% | 5,513 |
| Noninterest income to average assets | 0.0000% | 5,557 |
| Noninterest expense to average assets | 9.1151% | 80 |
| Loan and lease loss provision to assets | 0.0768% | 2,230 |
| Net operating income to assets | -7.1955% | 5,599 |
| Return on assets (ROA) | -7.1955% | 5,598 |
| Pretax return on assets | -7.1955% | 5,598 |
| Return on Equity (ROE) | -9.1989% | 5,530 |
| Retained earnings to average equity (ytd only) | -9.1989% | 5,349 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 456.5934% | 7 |
| Assets per employee ($millions) | 2.1451% | 5,484 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2567% | 2,477 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 1.5082% | 5,570 |
| Net loans and leases to deposits | 8.0704% | 5,565 |
| Net loans and leases to core deposits | 8.0704% | 5,559 |
| Total domestic deposits to total assets | 18.6881% | 5,578 |
| Equity capital to assets | 78.2214% | 31 |
| Core capital (leverage) ratio | 100.3871% | 3 |
| Tier 1 risk-based capital ratio | 343.5092% | 16 |
| Total risk-based capital ratio | 343.5934% | 16 |
| Memoranda: | ||
| Average total assets | $36,467,000 | 5,335 |
| Average earning assets | $33,666,000 | 5,323 |
| Average equity | $28,525,000 | 2,464 |
| Average total loans | $557,000 | 5,573 |