Home > Cypress Bank & Trust > Performance and Condition Ratios
Cypress Bank & Trust, 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 | 4.9975% | 2,073 |
| Cost of funding earning assets | 1.5904% | 1,715 |
| Net interest margin | 3.4072% | 2,394 |
| Noninterest income to average assets | 6.4800% | 108 |
| Noninterest expense to average assets | 9.1437% | 121 |
| Loan and lease loss provision to assets | 0.1500% | 868 |
| Net operating income to assets | 0.1840% | 4,187 |
| Return on assets (ROA) | 0.1840% | 4,202 |
| Pretax return on assets | 0.2422% | 4,148 |
| Return on Equity (ROE) | 1.5400% | 4,206 |
| Retained earnings to average equity (ytd only) | 1.5356% | 3,700 |
| 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 | 95.5978% | 266 |
| Assets per employee ($millions) | 2.7088% | 4,414 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2320% | 2,102 |
| 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 | 51.7400% | 3,494 |
| Net loans and leases to deposits | 61.5425% | 3,437 |
| Net loans and leases to core deposits | 62.4130% | 3,660 |
| Total domestic deposits to total assets | 84.0700% | 2,604 |
| Equity capital to assets | 11.9425% | 1,145 |
| Core capital (leverage) ratio | 11.8690% | 1,483 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $139,166,400 | 3,468 |
| Average earning assets | $124,561,400 | 3,497 |
| Average equity | $16,671,000 | 3,121 |
| Average total loans | $66,711,200 | 3,596 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9225% | 2,015 |
| Cost of funding earning assets | 1.4564% | 1,718 |
| Net interest margin | 3.4661% | 2,292 |
| Noninterest income to average assets | 6.4200% | 109 |
| Noninterest expense to average assets | 9.0844% | 119 |
| Loan and lease loss provision to assets | 0.2000% | 543 |
| Net operating income to assets | 0.1757% | 4,259 |
| Return on assets (ROA) | 0.1757% | 4,272 |
| Pretax return on assets | 0.2300% | 4,221 |
| Return on Equity (ROE) | 1.4700% | 4,264 |
| Retained earnings to average equity (ytd only) | 1.4651% | 3,853 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 95.1745% | 244 |
| Assets per employee ($millions) | 2.5742% | 4,440 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2615% | 2,047 |
| 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 | 53.1500% | 3,413 |
| Net loans and leases to deposits | 63.6317% | 3,287 |
| Net loans and leases to core deposits | 65.3147% | 3,467 |
| Total domestic deposits to total assets | 83.5300% | 2,898 |
| Equity capital to assets | 12.4957% | 924 |
| Core capital (leverage) ratio | 12.1047% | 1,392 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $137,389,000 | 3,490 |
| Average earning assets | $122,671,750 | 3,524 |
| Average equity | $16,471,500 | 3,125 |
| Average total loans | $64,233,750 | 3,648 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7751% | 2,051 |
| Cost of funding earning assets | 1.2709% | 1,786 |
| Net interest margin | 3.5042% | 2,256 |
| Noninterest income to average assets | 6.3800% | 105 |
| Noninterest expense to average assets | 9.0274% | 119 |
| Loan and lease loss provision to assets | 0.2400% | 414 |
| Net operating income to assets | 0.1915% | 4,288 |
| Return on assets (ROA) | 0.1915% | 4,311 |
| Pretax return on assets | 0.2514% | 4,273 |
| Return on Equity (ROE) | 1.6200% | 4,310 |
| Retained earnings to average equity (ytd only) | 1.6201% | 3,800 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 94.5187% | 251 |
| Assets per employee ($millions) | 2.6408% | 4,472 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3347% | 1,783 |
| 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 | 47.2800% | 3,727 |
| Net loans and leases to deposits | 56.1759% | 3,635 |
| Net loans and leases to core deposits | 59.4954% | 3,660 |
| Total domestic deposits to total assets | 84.1600% | 2,791 |
| Equity capital to assets | 12.1261% | 1,015 |
| Core capital (leverage) ratio | 11.8812% | 1,435 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $136,849,333 | 3,501 |
| Average earning assets | $122,594,667 | 3,532 |
| Average equity | $16,172,000 | 3,175 |
| Average total loans | $60,701,667 | 3,714 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5852% | 2,124 |
| Cost of funding earning assets | 1.1396% | 1,626 |
| Net interest margin | 3.4456% | 2,513 |
| Noninterest income to average assets | 5.9200% | 120 |
| Noninterest expense to average assets | 8.8883% | 121 |
| Loan and lease loss provision to assets | 0.1900% | 550 |
| Net operating income to assets | -0.0567% | 4,516 |
| Return on assets (ROA) | -0.0567% | 4,501 |
| Pretax return on assets | -0.0866% | 4,500 |
| Return on Equity (ROE) | -0.4900% | 4,471 |
| Retained earnings to average equity (ytd only) | -0.4868% | 4,083 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 98.4401% | 196 |
| Assets per employee ($millions) | 2.6587% | 4,540 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4966% | 1,271 |
| 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 | 44.8500% | 3,828 |
| Net loans and leases to deposits | 52.9194% | 3,744 |
| Net loans and leases to core deposits | 55.7158% | 3,757 |
| Total domestic deposits to total assets | 84.7500% | 2,918 |
| Equity capital to assets | 11.5166% | 1,151 |
| Core capital (leverage) ratio | 11.1957% | 1,728 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $133,973,500 | 3,578 |
| Average earning assets | $119,689,500 | 3,612 |
| Average equity | $15,612,000 | 3,250 |
| Average total loans | $56,887,000 | 3,810 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7149% | 4,396 |
| Cost of funding earning assets | 0.3417% | 2,547 |
| Net interest margin | 2.3732% | 4,378 |
| Noninterest income to average assets | 7.3600% | 115 |
| Noninterest expense to average assets | 11.1099% | 100 |
| Loan and lease loss provision to assets | 0.6100% | 89 |
| Net operating income to assets | -1.6365% | 4,683 |
| Return on assets (ROA) | -1.6365% | 4,679 |
| Pretax return on assets | -2.1729% | 4,688 |
| Return on Equity (ROE) | -11.0700% | 4,666 |
| Retained earnings to average equity (ytd only) | -11.0698% | 4,642 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 115.9383% | 72 |
| Assets per employee ($millions) | 2.4509% | 4,589 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6508% | 880 |
| 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 | 38.6700% | 4,120 |
| Net loans and leases to deposits | 45.2960% | 4,074 |
| Net loans and leases to core deposits | 45.2960% | 4,140 |
| Total domestic deposits to total assets | 85.3600% | 2,894 |
| Equity capital to assets | 11.7929% | 994 |
| Core capital (leverage) ratio | 11.6182% | 1,446 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $109,992,400 | 3,836 |
| Average earning assets | $101,257,200 | 3,827 |
| Average equity | $16,260,400 | 3,251 |
| Average total loans | $33,586,600 | 4,176 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0954% | 4,587 |
| Cost of funding earning assets | 0.1988% | 3,290 |
| Net interest margin | 1.8966% | 4,585 |
| Noninterest income to average assets | 7.6300% | 116 |
| Noninterest expense to average assets | 11.3915% | 96 |
| Loan and lease loss provision to assets | 0.6200% | 80 |
| Net operating income to assets | -1.9654% | 4,731 |
| Return on assets (ROA) | -1.9654% | 4,727 |
| Pretax return on assets | -2.6142% | 4,735 |
| Return on Equity (ROE) | -12.4900% | 4,711 |
| Retained earnings to average equity (ytd only) | -12.4940% | 4,695 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 120.8265% | 68 |
| Assets per employee ($millions) | 2.4264% | 4,625 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4966% | 1,298 |
| 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 | 34.2400% | 4,292 |
| Net loans and leases to deposits | 39.3850% | 4,256 |
| Net loans and leases to core deposits | 39.3850% | 4,296 |
| Total domestic deposits to total assets | 86.9400% | 2,782 |
| Equity capital to assets | 12.3175% | 815 |
| Core capital (leverage) ratio | 12.2754% | 1,139 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $104,402,750 | 3,913 |
| Average earning assets | $97,225,750 | 3,889 |
| Average equity | $16,423,500 | 3,276 |
| Average total loans | $28,974,750 | 4,288 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4163% | 4,717 |
| Cost of funding earning assets | 0.1031% | 4,161 |
| Net interest margin | 1.3132% | 4,705 |
| Noninterest income to average assets | 8.2709% | 68 |
| Noninterest expense to average assets | 12.2486% | 58 |
| Loan and lease loss provision to assets | 0.6851% | 70 |
| Net operating income to assets | -2.5867% | 4,741 |
| Return on assets (ROA) | -2.5867% | 4,738 |
| Pretax return on assets | -3.4462% | 4,746 |
| Return on Equity (ROE) | -14.9958% | 4,739 |
| Retained earnings to average equity (ytd only) | -14.9958% | 4,703 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 128.6214% | 62 |
| Assets per employee ($millions) | 2.0443% | 4,692 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5021% | 1,399 |
| 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 | 30.0927% | 4,459 |
| Net loans and leases to deposits | 35.4327% | 4,409 |
| Net loans and leases to core deposits | 35.4327% | 4,453 |
| Total domestic deposits to total assets | 84.9292% | 3,496 |
| Equity capital to assets | 14.3735% | 476 |
| Core capital (leverage) ratio | 14.3664% | 562 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $96,337,667 | 4,025 |
| Average earning assets | $89,244,667 | 4,016 |
| Average equity | $16,618,000 | 3,350 |
| Average total loans | $23,732,667 | 4,436 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.8862% | 4,765 |
| Cost of funding earning assets | 0.0689% | 4,462 |
| Net interest margin | 0.8173% | 4,765 |
| Noninterest income to average assets | 8.9117% | 66 |
| Noninterest expense to average assets | 12.7989% | 54 |
| Loan and lease loss provision to assets | 0.7929% | 52 |
| Net operating income to assets | -2.9494% | 4,772 |
| Return on assets (ROA) | -2.9494% | 4,772 |
| Pretax return on assets | -3.9280% | 4,778 |
| Return on Equity (ROE) | -15.4572% | 4,765 |
| Retained earnings to average equity (ytd only) | -15.4572% | 4,648 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 131.9269% | 66 |
| Assets per employee ($millions) | 1.9346% | 4,723 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5004% | 1,547 |
| 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 | 23.5586% | 4,618 |
| Net loans and leases to deposits | 28.5264% | 4,584 |
| Net loans and leases to core deposits | 28.5264% | 4,606 |
| Total domestic deposits to total assets | 82.5855% | 4,006 |
| Equity capital to assets | 16.7893% | 278 |
| Core capital (leverage) ratio | 18.8965% | 217 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $88,288,500 | 4,117 |
| Average earning assets | $81,245,000 | 4,124 |
| Average equity | $16,846,500 | 3,410 |
| Average total loans | $18,423,500 | 4,545 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.2152% | 4,824 |
| Cost of funding earning assets | 0.0409% | 4,723 |
| Net interest margin | 0.1743% | 4,821 |
| Noninterest income to average assets | 13.0476% | 53 |
| Noninterest expense to average assets | 15.0206% | 45 |
| Loan and lease loss provision to assets | 0.2981% | 273 |
| Net operating income to assets | -0.9200% | 4,784 |
| Return on assets (ROA) | -0.9200% | 4,786 |
| Pretax return on assets | -2.1140% | 4,813 |
| Return on Equity (ROE) | -3.3857% | 4,757 |
| Retained earnings to average equity (ytd only) | -3.3857% | 4,666 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 113.2298% | 84 |
| Assets per employee ($millions) | 1.4611% | 4,787 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4547% | 1,714 |
| 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 | 16.5840% | 4,744 |
| Net loans and leases to deposits | 21.5927% | 4,731 |
| Net loans and leases to core deposits | 21.5927% | 4,733 |
| Total domestic deposits to total assets | 76.8035% | 4,474 |
| Equity capital to assets | 22.1159% | 123 |
| Core capital (leverage) ratio | 26.0356% | 85 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $62,394,500 | 4,421 |
| Average earning assets | $56,216,000 | 4,437 |
| Average equity | $16,953,500 | 3,466 |
| Average total loans | $6,393,000 | 4,778 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.1538% | 4,906 |
| Cost of funding earning assets | 0.0461% | 4,795 |
| Net interest margin | 0.1077% | 4,905 |
| Noninterest income to average assets | 16.8178% | 43 |
| Noninterest expense to average assets | 17.7247% | 40 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | -0.8113% | 4,851 |
| Return on assets (ROA) | -0.8113% | 4,854 |
| Pretax return on assets | -0.8113% | 4,850 |
| Return on Equity (ROE) | -2.3152% | 4,809 |
| Retained earnings to average equity (ytd only) | -2.3152% | 4,711 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.7965% | 126 |
| Assets per employee ($millions) | 0.9039% | 4,881 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| 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 | NA | NA |
| Net loans and leases to total assets | 0.0000% | 4,885 |
| Net loans and leases to deposits | 0.0000% | 4,885 |
| Net loans and leases to core deposits | 0.0000% | 4,874 |
| Total domestic deposits to total assets | 63.6114% | 4,813 |
| Equity capital to assets | 35.0406% | 51 |
| Core capital (leverage) ratio | 85.6034% | 19 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $48,812,000 | 4,638 |
| Average earning assets | $43,342,000 | 4,640 |
| Average equity | $17,104,000 | 3,499 |
| Average total loans | NA | NA |