Home > Craft Bank > Performance and Condition Ratios
Craft 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 | 7.8550% | 129 |
| Cost of funding earning assets | 2.5163% | 350 |
| Net interest margin | 5.3387% | 223 |
| Noninterest income to average assets | 0.6400% | 1,394 |
| Noninterest expense to average assets | 3.8732% | 406 |
| Loan and lease loss provision to assets | 0.5600% | 149 |
| Net operating income to assets | 1.3853% | 1,242 |
| Return on assets (ROA) | 1.3853% | 1,216 |
| Pretax return on assets | 1.3790% | 1,682 |
| Return on Equity (ROE) | 9.9300% | 2,513 |
| Retained earnings to average equity (ytd only) | 9.9273% | 1,031 |
| Net charge-offs to loans | 0.0932% | 953 |
| Credit loss provision to net charge-offs | 788.0000% | 483 |
| Earnings coverage of net charge-offs (x) | 27.1520% | 1,693 |
| Efficiency ratio | 66.5945% | 2,275 |
| Assets per employee ($millions) | 10.7224% | 578 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1552% | 2,524 |
| 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 | 77.5700% | 906 |
| Net loans and leases to deposits | 89.9660% | 1,269 |
| Net loans and leases to core deposits | 111.5051% | 898 |
| Total domestic deposits to total assets | 86.2200% | 1,943 |
| Equity capital to assets | 12.1144% | 1,091 |
| Core capital (leverage) ratio | 13.8596% | 828 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2354% | 1,467 |
| Memoranda: | ||
| Average total assets | $174,688,400 | 3,169 |
| Average earning assets | $169,255,800 | 3,098 |
| Average equity | $24,377,200 | 2,556 |
| Average total loans | $134,065,400 | 2,824 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.8355% | 122 |
| Cost of funding earning assets | 2.4836% | 285 |
| Net interest margin | 5.3520% | 214 |
| Noninterest income to average assets | 0.7300% | 1,090 |
| Noninterest expense to average assets | 3.7584% | 432 |
| Loan and lease loss provision to assets | 0.5900% | 128 |
| Net operating income to assets | 1.3111% | 1,525 |
| Return on assets (ROA) | 1.3111% | 1,505 |
| Pretax return on assets | 1.5563% | 1,455 |
| Return on Equity (ROE) | 9.0100% | 2,925 |
| Retained earnings to average equity (ytd only) | 9.0085% | 1,687 |
| Net charge-offs to loans | 0.1328% | 609 |
| Credit loss provision to net charge-offs | 586.4000% | 569 |
| Earnings coverage of net charge-offs (x) | 21.2480% | 1,784 |
| Efficiency ratio | 63.6164% | 2,544 |
| Assets per employee ($millions) | 8.8177% | 995 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1806% | 2,472 |
| 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 | 80.3000% | 605 |
| Net loans and leases to deposits | 95.1134% | 813 |
| Net loans and leases to core deposits | 113.5730% | 748 |
| Total domestic deposits to total assets | 84.4300% | 2,657 |
| Equity capital to assets | 14.1069% | 632 |
| Core capital (leverage) ratio | 14.8174% | 655 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8543% | 1,125 |
| Memoranda: | ||
| Average total assets | $164,748,750 | 3,241 |
| Average earning assets | $159,389,250 | 3,185 |
| Average equity | $23,976,750 | 2,570 |
| Average total loans | $125,510,750 | 2,897 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6004% | 124 |
| Cost of funding earning assets | 2.3952% | 230 |
| Net interest margin | 5.2051% | 240 |
| Noninterest income to average assets | 0.4700% | 2,031 |
| Noninterest expense to average assets | 3.6822% | 446 |
| Loan and lease loss provision to assets | 0.4800% | 158 |
| Net operating income to assets | 1.1300% | 2,036 |
| Return on assets (ROA) | 1.1300% | 2,032 |
| Pretax return on assets | 1.3302% | 1,990 |
| Return on Equity (ROE) | 7.6800% | 3,322 |
| Retained earnings to average equity (ytd only) | 7.6786% | 2,075 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 67.0591% | 2,102 |
| Assets per employee ($millions) | 8.7990% | 970 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1198% | 2,847 |
| 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 | 73.6600% | 1,333 |
| Net loans and leases to deposits | 86.7770% | 1,441 |
| Net loans and leases to core deposits | 89.2161% | 1,850 |
| Total domestic deposits to total assets | 84.8900% | 2,576 |
| Equity capital to assets | 13.7374% | 676 |
| Core capital (leverage) ratio | 14.1892% | 736 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2939% | 913 |
| Memoranda: | ||
| Average total assets | $160,880,333 | 3,284 |
| Average earning assets | $155,308,333 | 3,231 |
| Average equity | $23,676,333 | 2,587 |
| Average total loans | $119,576,667 | 2,955 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2489% | 98 |
| Cost of funding earning assets | 1.9777% | 311 |
| Net interest margin | 5.2712% | 206 |
| Noninterest income to average assets | 0.4300% | 2,210 |
| Noninterest expense to average assets | 3.9329% | 372 |
| Loan and lease loss provision to assets | 0.4800% | 162 |
| Net operating income to assets | 0.9389% | 2,724 |
| Return on assets (ROA) | 0.9389% | 2,677 |
| Pretax return on assets | 1.1032% | 2,697 |
| Return on Equity (ROE) | 6.1300% | 3,688 |
| Retained earnings to average equity (ytd only) | 6.1303% | 2,728 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 71.3002% | 1,602 |
| Assets per employee ($millions) | 8.8966% | 979 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0604% | 3,250 |
| 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 | 69.9900% | 1,628 |
| Net loans and leases to deposits | 82.6406% | 1,604 |
| Net loans and leases to core deposits | 84.8977% | 1,934 |
| Total domestic deposits to total assets | 84.6900% | 2,932 |
| Equity capital to assets | 14.0177% | 597 |
| Core capital (leverage) ratio | 16.3187% | 446 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.2506% | 637 |
| Memoranda: | ||
| Average total assets | $153,373,500 | 3,393 |
| Average earning assets | $148,051,000 | 3,332 |
| Average equity | $23,490,000 | 2,623 |
| Average total loans | $113,815,500 | 3,049 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5027% | 153 |
| Cost of funding earning assets | 0.5256% | 1,234 |
| Net interest margin | 4.9771% | 143 |
| Noninterest income to average assets | 1.1400% | 514 |
| Noninterest expense to average assets | 4.8199% | 234 |
| Loan and lease loss provision to assets | 0.3700% | 191 |
| Net operating income to assets | 0.7212% | 3,559 |
| Return on assets (ROA) | 0.7212% | 3,500 |
| Pretax return on assets | 0.7212% | 3,806 |
| Return on Equity (ROE) | 3.6300% | 4,219 |
| Retained earnings to average equity (ytd only) | 3.6326% | 3,530 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 81.6032% | 619 |
| Assets per employee ($millions) | 7.6506% | 1,514 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0032% | 3,361 |
| 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 | 77.6800% | 832 |
| Net loans and leases to deposits | 95.2393% | 695 |
| Net loans and leases to core deposits | 98.1376% | 1,095 |
| Total domestic deposits to total assets | 81.5600% | 3,683 |
| Equity capital to assets | 16.9086% | 338 |
| Core capital (leverage) ratio | 18.6682% | 303 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7201% | 756 |
| Memoranda: | ||
| Average total assets | $113,840,600 | 3,794 |
| Average earning assets | $109,020,000 | 3,731 |
| Average equity | $22,601,200 | 2,729 |
| Average total loans | $84,701,600 | 3,346 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0218% | 207 |
| Cost of funding earning assets | 0.3899% | 1,362 |
| Net interest margin | 4.6319% | 187 |
| Noninterest income to average assets | 1.3300% | 416 |
| Noninterest expense to average assets | 5.1714% | 208 |
| Loan and lease loss provision to assets | 0.3100% | 225 |
| Net operating income to assets | 0.2905% | 4,391 |
| Return on assets (ROA) | 0.2905% | 4,350 |
| Pretax return on assets | 0.2905% | 4,385 |
| Return on Equity (ROE) | 1.4000% | 4,463 |
| Retained earnings to average equity (ytd only) | 1.3969% | 4,159 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 89.6315% | 331 |
| Assets per employee ($millions) | 5.7770% | 2,954 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0038% | 3,460 |
| 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 | 78.3600% | 678 |
| Net loans and leases to deposits | 101.0514% | 326 |
| Net loans and leases to core deposits | 105.8012% | 593 |
| Total domestic deposits to total assets | 77.5400% | 4,291 |
| Equity capital to assets | 19.5560% | 230 |
| Core capital (leverage) ratio | 19.0235% | 274 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.6579% | 516 |
| Memoranda: | ||
| Average total assets | $107,873,000 | 3,876 |
| Average earning assets | $103,281,000 | 3,824 |
| Average equity | $22,430,250 | 2,783 |
| Average total loans | $78,863,750 | 3,440 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3429% | 492 |
| Cost of funding earning assets | 0.2659% | 2,075 |
| Net interest margin | 4.0770% | 417 |
| Noninterest income to average assets | 0.9609% | 732 |
| Noninterest expense to average assets | 5.1501% | 166 |
| Loan and lease loss provision to assets | 0.3380% | 184 |
| Net operating income to assets | -0.6248% | 4,693 |
| Return on assets (ROA) | -0.6248% | 4,681 |
| Pretax return on assets | -0.6248% | 4,667 |
| Return on Equity (ROE) | -2.9407% | 4,641 |
| Retained earnings to average equity (ytd only) | -2.9407% | 4,452 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.8961% | 133 |
| Assets per employee ($millions) | 6.7831% | 2,087 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0034% | 3,578 |
| 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 | 64.8399% | 1,819 |
| Net loans and leases to deposits | 79.9199% | 1,395 |
| Net loans and leases to core deposits | 83.2379% | 1,500 |
| Total domestic deposits to total assets | 81.1311% | 4,110 |
| Equity capital to assets | 17.1393% | 269 |
| Core capital (leverage) ratio | 19.9321% | 193 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.1734% | 358 |
| Memoranda: | ||
| Average total assets | $105,317,333 | 3,940 |
| Average earning assets | $100,808,667 | 3,908 |
| Average equity | $22,375,333 | 2,860 |
| Average total loans | $74,668,000 | 3,538 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3342% | 418 |
| Cost of funding earning assets | 0.2236% | 2,475 |
| Net interest margin | 4.1105% | 330 |
| Noninterest income to average assets | 1.3770% | 396 |
| Noninterest expense to average assets | 5.7004% | 135 |
| Loan and lease loss provision to assets | 0.2737% | 226 |
| Net operating income to assets | -0.6671% | 4,720 |
| Return on assets (ROA) | -0.6671% | 4,714 |
| Pretax return on assets | -0.6671% | 4,704 |
| Return on Equity (ROE) | -2.7711% | 4,657 |
| Retained earnings to average equity (ytd only) | -2.7711% | 4,296 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.4134% | 153 |
| Assets per employee ($millions) | 5.7710% | 3,038 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0024% | 3,717 |
| 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 | 69.5961% | 1,054 |
| Net loans and leases to deposits | 91.1837% | 463 |
| Net loans and leases to core deposits | 94.3565% | 716 |
| Total domestic deposits to total assets | 76.3251% | 4,486 |
| Equity capital to assets | 21.5416% | 131 |
| Core capital (leverage) ratio | 25.0955% | 91 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.0177% | 263 |
| Memoranda: | ||
| Average total assets | $93,536,500 | 4,067 |
| Average earning assets | $89,429,000 | 4,027 |
| Average equity | $22,518,500 | 2,939 |
| Average total loans | $69,796,000 | 3,627 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6124% | 2,351 |
| Cost of funding earning assets | 0.1416% | 4,050 |
| Net interest margin | 3.4708% | 1,828 |
| Noninterest income to average assets | 4.4740% | 121 |
| Noninterest expense to average assets | 7.7863% | 96 |
| Loan and lease loss provision to assets | 1.1254% | 26 |
| Net operating income to assets | -1.1806% | 4,792 |
| Return on assets (ROA) | -1.1806% | 4,793 |
| Pretax return on assets | -1.1806% | 4,791 |
| Return on Equity (ROE) | -3.3422% | 4,756 |
| Retained earnings to average equity (ytd only) | -3.3422% | 4,665 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.7144% | 139 |
| Assets per employee ($millions) | 4.8938% | 3,823 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0035% | 3,735 |
| 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 | 79.2079% | 308 |
| Net loans and leases to deposits | 113.0386% | 66 |
| Net loans and leases to core deposits | 117.9175% | 180 |
| Total domestic deposits to total assets | 70.0715% | 4,682 |
| Equity capital to assets | 27.2372% | 75 |
| Core capital (leverage) ratio | 27.9645% | 71 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.8604% | 178 |
| Memoranda: | ||
| Average total assets | $57,935,000 | 4,480 |
| Average earning assets | $54,367,800 | 4,459 |
| Average equity | $20,465,400 | 3,175 |
| Average total loans | $28,872,200 | 4,398 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1797% | 3,638 |
| Cost of funding earning assets | 0.1220% | 4,335 |
| Net interest margin | 3.0577% | 3,153 |
| Noninterest income to average assets | 3.3810% | 173 |
| Noninterest expense to average assets | 8.2369% | 93 |
| Loan and lease loss provision to assets | 1.0015% | 37 |
| Net operating income to assets | -3.0091% | 4,896 |
| Return on assets (ROA) | -3.0091% | 4,896 |
| Pretax return on assets | -3.0091% | 4,893 |
| Return on Equity (ROE) | -7.7989% | 4,870 |
| Retained earnings to average equity (ytd only) | -7.7989% | 4,827 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 132.2139% | 54 |
| Assets per employee ($millions) | 4.2837% | 4,278 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0038% | 3,831 |
| 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 | 54.7107% | 2,878 |
| Net loans and leases to deposits | 82.5228% | 1,066 |
| Net loans and leases to core deposits | 86.8547% | 1,229 |
| Total domestic deposits to total assets | 66.2977% | 4,792 |
| Equity capital to assets | 30.4794% | 63 |
| Core capital (leverage) ratio | 32.7839% | 59 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 42.7181% | 114 |
| Memoranda: | ||
| Average total assets | $51,620,000 | 4,608 |
| Average earning assets | $48,095,500 | 4,590 |
| Average equity | $19,916,750 | 3,258 |
| Average total loans | $19,449,000 | 4,646 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2191% | 3,634 |
| Cost of funding earning assets | 0.1218% | 4,427 |
| Net interest margin | 3.0973% | 3,046 |
| Noninterest income to average assets | 3.0705% | 180 |
| Noninterest expense to average assets | 8.8256% | 86 |
| Loan and lease loss provision to assets | 1.0684% | 36 |
| Net operating income to assets | -3.9684% | 4,937 |
| Return on assets (ROA) | -3.9684% | 4,937 |
| Pretax return on assets | -3.9684% | 4,936 |
| Return on Equity (ROE) | -9.2290% | 4,908 |
| Retained earnings to average equity (ytd only) | -9.2290% | 4,862 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 148.9394% | 37 |
| Assets per employee ($millions) | 4.0623% | 4,413 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0030% | 3,812 |
| 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 | 36.4456% | 4,446 |
| Net loans and leases to deposits | 56.7611% | 3,658 |
| Net loans and leases to core deposits | 59.4478% | 3,662 |
| Total domestic deposits to total assets | 64.2089% | 4,843 |
| Equity capital to assets | 32.4722% | 54 |
| Core capital (leverage) ratio | 43.7698% | 41 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 80.1328% | 40 |
| Memoranda: | ||
| Average total assets | $44,552,333 | 4,712 |
| Average earning assets | $41,067,667 | 4,701 |
| Average equity | $19,157,000 | 3,323 |
| Average total loans | $12,516,667 | 4,796 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4148% | 4,910 |
| Cost of funding earning assets | 0.1387% | 4,388 |
| Net interest margin | 1.2761% | 4,900 |
| Noninterest income to average assets | 0.0248% | 4,898 |
| Noninterest expense to average assets | 10.0932% | 68 |
| Loan and lease loss provision to assets | 1.0898% | 35 |
| Net operating income to assets | -10.0189% | 4,976 |
| Return on assets (ROA) | -10.0189% | 4,976 |
| Pretax return on assets | -10.0189% | 4,976 |
| Return on Equity (ROE) | -18.4672% | 4,957 |
| Retained earnings to average equity (ytd only) | -18.4672% | 4,906 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 867.0213% | 2 |
| Assets per employee ($millions) | 2.6929% | 4,862 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0009% | 3,833 |
| 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 | 25.7117% | 4,790 |
| Net loans and leases to deposits | 49.6486% | 4,180 |
| Net loans and leases to core deposits | 53.4892% | 4,118 |
| Total domestic deposits to total assets | 51.7874% | 4,921 |
| Equity capital to assets | 42.4221% | 38 |
| Core capital (leverage) ratio | 49.1397% | 32 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 129.4661% | 27 |
| Memoranda: | ||
| Average total assets | $32,299,000 | 4,855 |
| Average earning assets | $28,837,500 | 4,851 |
| Average equity | $17,523,000 | 3,469 |
| Average total loans | $6,063,000 | 4,915 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.0574% | 4,996 |
| Cost of funding earning assets | 0.0048% | 4,985 |
| Net interest margin | 0.0526% | 4,994 |
| Noninterest income to average assets | 0.3347% | 3,457 |
| Noninterest expense to average assets | 5.4743% | 159 |
| Loan and lease loss provision to assets | 0.0702% | 3,505 |
| Net operating income to assets | -5.1644% | 4,989 |
| Return on assets (ROA) | -5.1644% | 4,989 |
| Pretax return on assets | -5.1644% | 4,990 |
| Return on Equity (ROE) | -6.9793% | 4,918 |
| Retained earnings to average equity (ytd only) | -6.9793% | 4,871 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 1,440.2174% | 1 |
| Assets per employee ($millions) | 1.7289% | 4,939 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0398% | 3,721 |
| 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 | 6.6848% | 4,956 |
| Net loans and leases to deposits | 40.9517% | 4,635 |
| Net loans and leases to core deposits | 40.9517% | 4,678 |
| Total domestic deposits to total assets | 16.3237% | 4,979 |
| Equity capital to assets | 73.9960% | 22 |
| Core capital (leverage) ratio | 81.6392% | 21 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 251.6777% | 11 |
| Memoranda: | ||
| Average total assets | $24,204,000 | 4,925 |
| Average earning assets | $20,914,000 | 4,920 |
| Average equity | $17,910,000 | 3,372 |
| Average total loans | $1,635,000 | 4,969 |