Home > Endeavor Bank > Performance and Condition Ratios
Endeavor 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 | 5.9025% | 725 |
| Cost of funding earning assets | 1.9329% | 1,019 |
| Net interest margin | 3.9696% | 1,252 |
| Noninterest income to average assets | 0.1500% | 4,057 |
| Noninterest expense to average assets | 2.5955% | 2,022 |
| Loan and lease loss provision to assets | 0.2000% | 621 |
| Net operating income to assets | 0.8406% | 2,739 |
| Return on assets (ROA) | 0.8406% | 2,718 |
| Pretax return on assets | 1.2035% | 2,131 |
| Return on Equity (ROE) | 8.2500% | 2,959 |
| Retained earnings to average equity (ytd only) | 8.2522% | 1,469 |
| Net charge-offs to loans | 0.1988% | 535 |
| Credit loss provision to net charge-offs | 127.0000% | 1,618 |
| Earnings coverage of net charge-offs (x) | 9.3350% | 2,298 |
| Efficiency ratio | 64.9719% | 2,485 |
| Assets per employee ($millions) | 9.6633% | 783 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3735% | 1,494 |
| Loan loss allowance to noncurrent loans | 324.2424% | 1,929 |
| Noncurrent assets plus other real estate owned to assets | 0.3241% | 1,651 |
| Noncurrent loans to loans | 0.4236% | 1,720 |
| Net loans and leases to total assets | 75.4700% | 1,178 |
| Net loans and leases to deposits | 84.7237% | 1,710 |
| Net loans and leases to core deposits | 116.0805% | 742 |
| Total domestic deposits to total assets | 89.0800% | 1,043 |
| Equity capital to assets | 10.0026% | 2,008 |
| Core capital (leverage) ratio | 10.1424% | 2,659 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0894% | 2,558 |
| Memoranda: | ||
| Average total assets | $533,692,400 | 1,657 |
| Average earning assets | $517,258,000 | 1,582 |
| Average equity | $54,361,400 | 1,506 |
| Average total loans | $402,461,600 | 1,465 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8044% | 682 |
| Cost of funding earning assets | 1.7804% | 1,041 |
| Net interest margin | 4.0239% | 1,183 |
| Noninterest income to average assets | 0.1600% | 4,013 |
| Noninterest expense to average assets | 2.5754% | 2,016 |
| Loan and lease loss provision to assets | 0.2200% | 486 |
| Net operating income to assets | 0.8842% | 2,737 |
| Return on assets (ROA) | 0.8842% | 2,722 |
| Pretax return on assets | 1.2614% | 2,141 |
| Return on Equity (ROE) | 8.6400% | 3,023 |
| Retained earnings to average equity (ytd only) | 8.6387% | 1,783 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 63.4900% | 2,562 |
| Assets per employee ($millions) | 9.7150% | 742 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5863% | 912 |
| Loan loss allowance to noncurrent loans | 176.6702% | 2,647 |
| Noncurrent assets plus other real estate owned to assets | 0.6757% | 845 |
| Noncurrent loans to loans | 0.8979% | 918 |
| Net loans and leases to total assets | 74.0600% | 1,333 |
| Net loans and leases to deposits | 83.2148% | 1,810 |
| Net loans and leases to core deposits | 117.0403% | 636 |
| Total domestic deposits to total assets | 89.0000% | 1,249 |
| Equity capital to assets | 10.0912% | 1,773 |
| Core capital (leverage) ratio | 10.2042% | 2,629 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5115% | 2,448 |
| Memoranda: | ||
| Average total assets | $524,582,500 | 1,676 |
| Average earning assets | $507,352,750 | 1,608 |
| Average equity | $53,694,750 | 1,513 |
| Average total loans | $394,011,250 | 1,480 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5893% | 742 |
| Cost of funding earning assets | 1.5869% | 1,093 |
| Net interest margin | 4.0024% | 1,236 |
| Noninterest income to average assets | 0.1800% | 3,893 |
| Noninterest expense to average assets | 2.6570% | 1,763 |
| Loan and lease loss provision to assets | 0.2200% | 474 |
| Net operating income to assets | 0.8185% | 3,026 |
| Return on assets (ROA) | 0.8185% | 3,037 |
| Pretax return on assets | 1.1689% | 2,453 |
| Return on Equity (ROE) | 7.9600% | 3,241 |
| Retained earnings to average equity (ytd only) | 7.9560% | 1,977 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 65.6934% | 2,279 |
| Assets per employee ($millions) | 9.8002% | 704 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5695% | 995 |
| Loan loss allowance to noncurrent loans | 328.4748% | 2,040 |
| Noncurrent assets plus other real estate owned to assets | 0.3500% | 1,513 |
| Noncurrent loans to loans | 0.4778% | 1,518 |
| Net loans and leases to total assets | 72.1000% | 1,520 |
| Net loans and leases to deposits | 80.8563% | 1,911 |
| Net loans and leases to core deposits | 114.5299% | 669 |
| Total domestic deposits to total assets | 89.1800% | 1,183 |
| Equity capital to assets | 9.9424% | 1,891 |
| Core capital (leverage) ratio | 10.5589% | 2,263 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5878% | 2,440 |
| Memoranda: | ||
| Average total assets | $514,857,667 | 1,695 |
| Average earning assets | $496,952,667 | 1,645 |
| Average equity | $52,966,000 | 1,526 |
| Average total loans | $386,433,000 | 1,492 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4789% | 642 |
| Cost of funding earning assets | 1.4542% | 933 |
| Net interest margin | 4.0247% | 1,222 |
| Noninterest income to average assets | 0.2300% | 3,568 |
| Noninterest expense to average assets | 2.6520% | 1,805 |
| Loan and lease loss provision to assets | 0.2300% | 425 |
| Net operating income to assets | 0.8532% | 3,007 |
| Return on assets (ROA) | 0.8532% | 2,960 |
| Pretax return on assets | 1.2196% | 2,377 |
| Return on Equity (ROE) | 8.1400% | 3,252 |
| Retained earnings to average equity (ytd only) | 8.1432% | 2,176 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 64.5862% | 2,374 |
| Assets per employee ($millions) | 9.9157% | 723 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6026% | 999 |
| Loan loss allowance to noncurrent loans | 1,135.1504% | 887 |
| Noncurrent assets plus other real estate owned to assets | 0.1032% | 2,801 |
| Noncurrent loans to loans | 0.1412% | 2,790 |
| Net loans and leases to total assets | 71.9100% | 1,433 |
| Net loans and leases to deposits | 81.1135% | 1,736 |
| Net loans and leases to core deposits | 113.6319% | 592 |
| Total domestic deposits to total assets | 88.6500% | 1,683 |
| Equity capital to assets | 10.3755% | 1,627 |
| Core capital (leverage) ratio | 10.8199% | 1,981 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8282% | 2,459 |
| Memoranda: | ||
| Average total assets | $497,881,500 | 1,745 |
| Average earning assets | $479,435,500 | 1,706 |
| Average equity | $52,166,500 | 1,559 |
| Average total loans | $378,636,000 | 1,528 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4546% | 790 |
| Cost of funding earning assets | 0.3978% | 2,128 |
| Net interest margin | 4.0568% | 721 |
| Noninterest income to average assets | 0.1400% | 4,270 |
| Noninterest expense to average assets | 2.4785% | 2,187 |
| Loan and lease loss provision to assets | 0.3900% | 183 |
| Net operating income to assets | 1.4185% | 1,082 |
| Return on assets (ROA) | 1.4185% | 1,045 |
| Pretax return on assets | 1.2077% | 2,412 |
| Return on Equity (ROE) | 14.4600% | 1,418 |
| Retained earnings to average equity (ytd only) | 14.4640% | 333 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 60.8262% | 2,938 |
| Assets per employee ($millions) | 10.0030% | 672 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5182% | 1,151 |
| Loan loss allowance to noncurrent loans | 1,006.2718% | 984 |
| Noncurrent assets plus other real estate owned to assets | 0.1195% | 2,691 |
| Noncurrent loans to loans | 0.1509% | 2,747 |
| Net loans and leases to total assets | 78.0300% | 795 |
| Net loans and leases to deposits | 88.2080% | 1,160 |
| Net loans and leases to core deposits | 88.7553% | 1,568 |
| Total domestic deposits to total assets | 88.4700% | 1,900 |
| Equity capital to assets | 10.5874% | 1,414 |
| Core capital (leverage) ratio | 11.1996% | 1,683 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6624% | 2,501 |
| Memoranda: | ||
| Average total assets | $437,848,000 | 1,893 |
| Average earning assets | $425,137,200 | 1,836 |
| Average equity | $42,941,000 | 1,824 |
| Average total loans | $354,899,400 | 1,531 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1808% | 925 |
| Cost of funding earning assets | 0.1887% | 3,410 |
| Net interest margin | 3.9921% | 647 |
| Noninterest income to average assets | 0.1400% | 4,301 |
| Noninterest expense to average assets | 2.4839% | 2,061 |
| Loan and lease loss provision to assets | 0.3000% | 236 |
| Net operating income to assets | 1.6532% | 592 |
| Return on assets (ROA) | 1.6532% | 575 |
| Pretax return on assets | 1.2420% | 2,226 |
| Return on Equity (ROE) | 17.2400% | 752 |
| Retained earnings to average equity (ytd only) | 17.2425% | 196 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 61.7006% | 2,867 |
| Assets per employee ($millions) | 9.3224% | 800 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3424% | 1,833 |
| Loan loss allowance to noncurrent loans | 820.1954% | 1,124 |
| Noncurrent assets plus other real estate owned to assets | 0.1432% | 2,609 |
| Noncurrent loans to loans | 0.1637% | 2,780 |
| Net loans and leases to total assets | 86.3100% | 102 |
| Net loans and leases to deposits | 99.2196% | 398 |
| Net loans and leases to core deposits | 99.7152% | 825 |
| Total domestic deposits to total assets | 86.9900% | 2,764 |
| Equity capital to assets | 11.6155% | 965 |
| Core capital (leverage) ratio | 11.5347% | 1,440 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4663% | 2,664 |
| Memoranda: | ||
| Average total assets | $427,273,750 | 1,944 |
| Average earning assets | $416,274,500 | 1,872 |
| Average equity | $40,967,500 | 1,918 |
| Average total loans | $348,511,250 | 1,544 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8621% | 1,186 |
| Cost of funding earning assets | 0.0872% | 4,316 |
| Net interest margin | 3.7749% | 791 |
| Noninterest income to average assets | 0.1584% | 4,227 |
| Noninterest expense to average assets | 2.4768% | 2,007 |
| Loan and lease loss provision to assets | 0.3257% | 196 |
| Net operating income to assets | 1.7940% | 341 |
| Return on assets (ROA) | 1.7940% | 336 |
| Pretax return on assets | 1.0503% | 2,569 |
| Return on Equity (ROE) | 20.1369% | 298 |
| Retained earnings to average equity (ytd only) | 20.1369% | 72 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2866% | 2,741 |
| Assets per employee ($millions) | 10.1751% | 628 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3447% | 1,980 |
| Loan loss allowance to noncurrent loans | 1,407.0796% | 721 |
| Noncurrent assets plus other real estate owned to assets | 0.0724% | 3,250 |
| Noncurrent loans to loans | 0.0956% | 3,288 |
| Net loans and leases to total assets | 74.7709% | 833 |
| Net loans and leases to deposits | 85.2852% | 1,027 |
| Net loans and leases to core deposits | 85.6709% | 1,362 |
| Total domestic deposits to total assets | 87.6715% | 2,705 |
| Equity capital to assets | 10.3554% | 1,504 |
| Core capital (leverage) ratio | 13.5588% | 701 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9843% | 2,507 |
| Memoranda: | ||
| Average total assets | $426,754,333 | 1,952 |
| Average earning assets | $417,653,667 | 1,891 |
| Average equity | $38,019,667 | 2,079 |
| Average total loans | $339,633,333 | 1,567 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0252% | 734 |
| Cost of funding earning assets | 0.1032% | 4,097 |
| Net interest margin | 3.9220% | 477 |
| Noninterest income to average assets | 0.2423% | 3,692 |
| Noninterest expense to average assets | 2.7894% | 1,179 |
| Loan and lease loss provision to assets | 0.4137% | 123 |
| Net operating income to assets | 0.2945% | 4,154 |
| Return on assets (ROA) | 0.2945% | 4,127 |
| Pretax return on assets | 0.8934% | 2,803 |
| Return on Equity (ROE) | 3.6469% | 3,959 |
| Retained earnings to average equity (ytd only) | 3.6469% | 3,056 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0933% | 2,494 |
| Assets per employee ($millions) | 8.5097% | 1,113 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3537% | 2,102 |
| Loan loss allowance to noncurrent loans | 1,099.0220% | 856 |
| Noncurrent assets plus other real estate owned to assets | 0.1068% | 3,063 |
| Noncurrent loans to loans | 0.1232% | 3,206 |
| Net loans and leases to total assets | 85.5394% | 60 |
| Net loans and leases to deposits | 104.4908% | 111 |
| Net loans and leases to core deposits | 105.1094% | 368 |
| Total domestic deposits to total assets | 81.8631% | 4,092 |
| Equity capital to assets | 8.5876% | 3,091 |
| Core capital (leverage) ratio | 9.2985% | 3,004 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9565% | 2,228 |
| Memoranda: | ||
| Average total assets | $406,104,500 | 2,033 |
| Average earning assets | $399,081,000 | 1,962 |
| Average equity | $32,795,000 | 2,342 |
| Average total loans | $332,081,000 | 1,582 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9437% | 1,506 |
| Cost of funding earning assets | 0.1470% | 4,009 |
| Net interest margin | 3.7967% | 1,015 |
| Noninterest income to average assets | 0.0982% | 4,612 |
| Noninterest expense to average assets | 2.0336% | 3,569 |
| Loan and lease loss provision to assets | 0.2215% | 458 |
| Net operating income to assets | 1.1241% | 2,196 |
| Return on assets (ROA) | 1.1241% | 2,252 |
| Pretax return on assets | 1.5817% | 1,478 |
| Return on Equity (ROE) | 16.9202% | 603 |
| Retained earnings to average equity (ytd only) | 16.9202% | 127 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.0033% | 4,033 |
| Assets per employee ($millions) | 9.9830% | 669 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2270% | 2,751 |
| Loan loss allowance to noncurrent loans | 782.1497% | 1,033 |
| Noncurrent assets plus other real estate owned to assets | 0.1214% | 3,084 |
| Noncurrent loans to loans | 0.1569% | 3,147 |
| Net loans and leases to total assets | 76.4154% | 494 |
| Net loans and leases to deposits | 96.6648% | 291 |
| Net loans and leases to core deposits | 97.2687% | 648 |
| Total domestic deposits to total assets | 79.0519% | 4,312 |
| Equity capital to assets | 7.6187% | 4,550 |
| Core capital (leverage) ratio | 9.5009% | 2,863 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.8997% | 3,054 |
| Memoranda: | ||
| Average total assets | $446,932,400 | 1,848 |
| Average earning assets | $440,090,400 | 1,762 |
| Average equity | $29,692,400 | 2,553 |
| Average total loans | $342,277,000 | 1,548 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7602% | 2,121 |
| Cost of funding earning assets | 0.1602% | 4,011 |
| Net interest margin | 3.6000% | 1,598 |
| Noninterest income to average assets | 0.0877% | 4,711 |
| Noninterest expense to average assets | 2.0120% | 3,636 |
| Loan and lease loss provision to assets | 0.2067% | 487 |
| Net operating income to assets | 1.0224% | 2,826 |
| Return on assets (ROA) | 1.0224% | 2,893 |
| Pretax return on assets | 1.4132% | 2,281 |
| Return on Equity (ROE) | 15.9456% | 963 |
| Retained earnings to average equity (ytd only) | 15.9456% | 305 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.3965% | 3,610 |
| Assets per employee ($millions) | 10.9963% | 477 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0908% | 3,481 |
| 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 | 78.0283% | 405 |
| Net loans and leases to deposits | 114.4751% | 68 |
| Net loans and leases to core deposits | 115.2849% | 235 |
| Total domestic deposits to total assets | 68.1619% | 4,775 |
| Equity capital to assets | 7.0983% | 4,795 |
| Core capital (leverage) ratio | 9.5172% | 2,997 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8212% | 3,001 |
| Memoranda: | ||
| Average total assets | $451,347,750 | 1,848 |
| Average earning assets | $444,360,500 | 1,776 |
| Average equity | $28,939,250 | 2,627 |
| Average total loans | $344,820,250 | 1,566 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5027% | 2,884 |
| Cost of funding earning assets | 0.1672% | 4,068 |
| Net interest margin | 3.3355% | 2,339 |
| Noninterest income to average assets | 0.1002% | 4,687 |
| Noninterest expense to average assets | 2.0660% | 3,498 |
| Loan and lease loss provision to assets | 0.1362% | 901 |
| Net operating income to assets | 0.8942% | 3,237 |
| Return on assets (ROA) | 0.8942% | 3,318 |
| Pretax return on assets | 1.1850% | 2,953 |
| Return on Equity (ROE) | 14.4437% | 1,296 |
| Retained earnings to average equity (ytd only) | 14.4437% | 493 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9936% | 2,873 |
| Assets per employee ($millions) | 11.3135% | 423 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9318% | 4,061 |
| Loan loss allowance to noncurrent loans | 339,500.0000% | 2 |
| Noncurrent assets plus other real estate owned to assets | 0.0002% | 4,352 |
| Noncurrent loans to loans | 0.0003% | 4,279 |
| Net loans and leases to total assets | 77.8183% | 458 |
| Net loans and leases to deposits | 134.1744% | 28 |
| Net loans and leases to core deposits | 135.2325% | 99 |
| Total domestic deposits to total assets | 57.9979% | 4,879 |
| Equity capital to assets | 6.4123% | 4,902 |
| Core capital (leverage) ratio | 9.4975% | 2,906 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9182% | 2,744 |
| Memoranda: | ||
| Average total assets | $455,179,333 | 1,836 |
| Average earning assets | $448,572,333 | 1,763 |
| Average equity | $28,178,333 | 2,659 |
| Average total loans | $344,095,333 | 1,578 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1546% | 3,769 |
| Cost of funding earning assets | 0.1512% | 4,295 |
| Net interest margin | 3.0034% | 3,248 |
| Noninterest income to average assets | 0.0772% | 4,776 |
| Noninterest expense to average assets | 2.3556% | 2,635 |
| Loan and lease loss provision to assets | 0.2484% | 429 |
| Net operating income to assets | 0.2608% | 4,575 |
| Return on assets (ROA) | 0.2608% | 4,599 |
| Pretax return on assets | 0.4330% | 4,443 |
| Return on Equity (ROE) | 4.2927% | 4,226 |
| Retained earnings to average equity (ytd only) | 4.2927% | 3,418 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5635% | 992 |
| Assets per employee ($millions) | 12.1822% | 333 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8714% | 4,241 |
| Loan loss allowance to noncurrent loans | 48,071.4286% | 18 |
| Noncurrent assets plus other real estate owned to assets | 0.0014% | 4,407 |
| Noncurrent loans to loans | 0.0018% | 4,329 |
| Net loans and leases to total assets | 74.8133% | 734 |
| Net loans and leases to deposits | 137.8415% | 32 |
| Net loans and leases to core deposits | 138.8938% | 94 |
| Total domestic deposits to total assets | 54.2749% | 4,912 |
| Equity capital to assets | 5.4623% | 4,959 |
| Core capital (leverage) ratio | 9.1842% | 3,408 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7383% | 2,395 |
| Memoranda: | ||
| Average total assets | $450,841,500 | 1,840 |
| Average earning assets | $444,303,000 | 1,763 |
| Average equity | $27,395,500 | 2,706 |
| Average total loans | $333,963,500 | 1,615 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8274% | 3,225 |
| Cost of funding earning assets | 0.2940% | 4,180 |
| Net interest margin | 3.5333% | 2,359 |
| Noninterest income to average assets | 0.1254% | 4,647 |
| Noninterest expense to average assets | 2.4916% | 2,874 |
| Loan and lease loss provision to assets | 0.4875% | 524 |
| Net operating income to assets | 0.5102% | 4,008 |
| Return on assets (ROA) | 0.5102% | 4,092 |
| Pretax return on assets | 0.6100% | 4,056 |
| Return on Equity (ROE) | 5.8869% | 3,618 |
| Retained earnings to average equity (ytd only) | 5.8869% | 1,849 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4207% | 2,031 |
| Assets per employee ($millions) | 11.4715% | 364 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0948% | 3,491 |
| 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 | 71.4541% | 1,374 |
| Net loans and leases to deposits | 113.0705% | 127 |
| Net loans and leases to core deposits | 114.1650% | 403 |
| Total domestic deposits to total assets | 63.1943% | 4,887 |
| Equity capital to assets | 6.8823% | 4,925 |
| Core capital (leverage) ratio | 10.8633% | 1,883 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6549% | 1,988 |
| Memoranda: | ||
| Average total assets | $277,529,000 | 2,414 |
| Average earning assets | $272,065,400 | 2,333 |
| Average equity | $24,053,400 | 2,872 |
| Average total loans | $217,024,000 | 2,123 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4501% | 4,289 |
| Cost of funding earning assets | 0.3289% | 4,162 |
| Net interest margin | 3.1212% | 3,688 |
| Noninterest income to average assets | 0.0770% | 4,832 |
| Noninterest expense to average assets | 2.5024% | 2,837 |
| Loan and lease loss provision to assets | 0.4864% | 622 |
| Net operating income to assets | 0.1417% | 4,660 |
| Return on assets (ROA) | 0.1417% | 4,686 |
| Pretax return on assets | 0.1422% | 4,698 |
| Return on Equity (ROE) | 1.5128% | 4,620 |
| Retained earnings to average equity (ytd only) | 1.5128% | 4,080 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.9215% | 874 |
| Assets per employee ($millions) | 11.6435% | 343 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8783% | 4,133 |
| 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 | 82.6072% | 390 |
| Net loans and leases to deposits | 157.9023% | 23 |
| Net loans and leases to core deposits | 161.8844% | 76 |
| Total domestic deposits to total assets | 52.3154% | 4,969 |
| Equity capital to assets | 7.1043% | 4,936 |
| Core capital (leverage) ratio | 11.5248% | 1,569 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1258% | 1,034 |
| Memoranda: | ||
| Average total assets | $249,403,250 | 2,567 |
| Average earning assets | $244,043,000 | 2,488 |
| Average equity | $23,356,000 | 2,913 |
| Average total loans | $200,835,250 | 2,224 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5831% | 4,288 |
| Cost of funding earning assets | 0.3663% | 4,193 |
| Net interest margin | 3.2168% | 3,620 |
| Noninterest income to average assets | 0.0886% | 4,816 |
| Noninterest expense to average assets | 2.8263% | 2,036 |
| Loan and lease loss provision to assets | 0.4618% | 828 |
| Net operating income to assets | -0.0631% | 4,814 |
| Return on assets (ROA) | -0.0631% | 4,820 |
| Pretax return on assets | -0.0631% | 4,813 |
| Return on Equity (ROE) | -0.5931% | 4,828 |
| Retained earnings to average equity (ytd only) | -0.5931% | 4,422 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.6388% | 468 |
| Assets per employee ($millions) | 11.4666% | 354 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7838% | 4,377 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 76.6569% | 1,052 |
| Net loans and leases to deposits | 144.0457% | 28 |
| Net loans and leases to core deposits | 147.5425% | 119 |
| Total domestic deposits to total assets | 53.2171% | 4,999 |
| Equity capital to assets | 6.8849% | 4,988 |
| Core capital (leverage) ratio | 10.8766% | 2,059 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5897% | 831 |
| Memoranda: | ||
| Average total assets | $212,221,333 | 2,812 |
| Average earning assets | $206,916,667 | 2,733 |
| Average equity | $22,593,667 | 2,956 |
| Average total loans | $167,509,667 | 2,494 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7059% | 1,689 |
| Cost of funding earning assets | 0.6250% | 3,308 |
| Net interest margin | 4.0809% | 1,174 |
| Noninterest income to average assets | 0.0919% | 4,856 |
| Noninterest expense to average assets | 4.5853% | 283 |
| Loan and lease loss provision to assets | 0.3856% | 793 |
| Net operating income to assets | -0.9669% | 4,986 |
| Return on assets (ROA) | -0.9669% | 4,967 |
| Pretax return on assets | -0.9669% | 4,953 |
| Return on Equity (ROE) | -6.1339% | 4,948 |
| Retained earnings to average equity (ytd only) | -6.1339% | 4,593 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 114.5185% | 124 |
| Assets per employee ($millions) | 5.5505% | 2,064 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5759% | 1,131 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 80.5865% | 623 |
| Net loans and leases to deposits | 99.1255% | 615 |
| Net loans and leases to core deposits | 105.5365% | 1,088 |
| Total domestic deposits to total assets | 81.2975% | 3,603 |
| Equity capital to assets | 17.2889% | 409 |
| Core capital (leverage) ratio | 18.4466% | 313 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.0269% | 865 |
| Memoranda: | ||
| Average total assets | $134,866,500 | 3,522 |
| Average earning assets | $129,284,500 | 3,454 |
| Average equity | $21,259,000 | 3,051 |
| Average total loans | $109,514,500 | 3,086 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6818% | 2,379 |
| Cost of funding earning assets | 0.9298% | 2,057 |
| Net interest margin | 3.7520% | 2,655 |
| Noninterest income to average assets | 0.0631% | 5,004 |
| Noninterest expense to average assets | 5.8418% | 146 |
| Loan and lease loss provision to assets | 1.0179% | 92 |
| Net operating income to assets | -3.1914% | 5,147 |
| Return on assets (ROA) | -3.1914% | 5,149 |
| Pretax return on assets | -3.1905% | 5,149 |
| Return on Equity (ROE) | -17.5606% | 5,148 |
| Retained earnings to average equity (ytd only) | -17.5606% | 5,128 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 159.2081% | 38 |
| Assets per employee ($millions) | 4.6452% | 3,025 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7170% | 766 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 79.0450% | 924 |
| Net loans and leases to deposits | 98.4010% | 723 |
| Net loans and leases to core deposits | 107.4293% | 1,014 |
| Total domestic deposits to total assets | 80.3295% | 3,910 |
| Equity capital to assets | 14.0072% | 1,094 |
| Core capital (leverage) ratio | 14.7603% | 732 |
| Tier 1 risk-based capital ratio | 14.2159% | 3,163 |
| Total risk-based capital ratio | 15.4685% | 3,073 |
| Memoranda: | ||
| Average total assets | $104,624,400 | 3,924 |
| Average earning assets | $100,560,000 | 3,860 |
| Average equity | $19,014,200 | 3,222 |
| Average total loans | $69,946,000 | 3,780 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6403% | 2,598 |
| Cost of funding earning assets | 0.9824% | 1,841 |
| Net interest margin | 3.6579% | 3,064 |
| Noninterest income to average assets | 0.0630% | 5,085 |
| Noninterest expense to average assets | 6.2209% | 132 |
| Loan and lease loss provision to assets | 0.8650% | 114 |
| Net operating income to assets | -3.4839% | 5,230 |
| Return on assets (ROA) | -3.4839% | 5,230 |
| Pretax return on assets | -3.4826% | 5,229 |
| Return on Equity (ROE) | -17.8776% | 5,225 |
| Retained earnings to average equity (ytd only) | -17.8776% | 5,201 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 172.6461% | 31 |
| Assets per employee ($millions) | 4.6377% | 2,994 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5789% | 1,036 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 70.5398% | 2,400 |
| Net loans and leases to deposits | 84.6690% | 2,358 |
| Net loans and leases to core deposits | 96.9856% | 1,902 |
| Total domestic deposits to total assets | 83.3125% | 3,061 |
| Equity capital to assets | 15.7595% | 684 |
| Core capital (leverage) ratio | 17.0371% | 437 |
| Tier 1 risk-based capital ratio | 17.4917% | 1,946 |
| Total risk-based capital ratio | 18.7419% | 1,918 |
| Memoranda: | ||
| Average total assets | $99,425,250 | 4,053 |
| Average earning assets | $96,227,750 | 3,980 |
| Average equity | $19,375,750 | 3,206 |
| Average total loans | $62,214,750 | 3,987 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5216% | 2,945 |
| Cost of funding earning assets | 1.0055% | 1,670 |
| Net interest margin | 3.5161% | 3,544 |
| Noninterest income to average assets | 0.0554% | 5,152 |
| Noninterest expense to average assets | 6.6802% | 121 |
| Loan and lease loss provision to assets | 0.8156% | 121 |
| Net operating income to assets | -4.0247% | 5,283 |
| Return on assets (ROA) | -4.0247% | 5,283 |
| Pretax return on assets | -4.0226% | 5,283 |
| Return on Equity (ROE) | -19.1454% | 5,277 |
| Retained earnings to average equity (ytd only) | -19.1454% | 5,246 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 192.3360% | 24 |
| Assets per employee ($millions) | 4.2202% | 3,546 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5894% | 1,048 |
| 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 | 61.6189% | 3,584 |
| Net loans and leases to deposits | 76.1351% | 3,318 |
| Net loans and leases to core deposits | 87.6809% | 2,831 |
| Total domestic deposits to total assets | 80.9336% | 3,833 |
| Equity capital to assets | 17.9736% | 384 |
| Core capital (leverage) ratio | 19.7016% | 248 |
| Tier 1 risk-based capital ratio | 22.8690% | 956 |
| Total risk-based capital ratio | 24.1196% | 932 |
| Memoranda: | ||
| Average total assets | $93,919,330 | 4,160 |
| Average earning assets | $91,294,330 | 4,089 |
| Average equity | $19,743,670 | 3,170 |
| Average total loans | $55,253,670 | 4,140 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4667% | 2,978 |
| Cost of funding earning assets | 1.0171% | 1,495 |
| Net interest margin | 3.4496% | 3,750 |
| Noninterest income to average assets | 0.0318% | 5,258 |
| Noninterest expense to average assets | 6.9673% | 108 |
| Loan and lease loss provision to assets | 0.9668% | 88 |
| Net operating income to assets | -4.5616% | 5,347 |
| Return on assets (ROA) | -4.5616% | 5,346 |
| Pretax return on assets | -4.5616% | 5,343 |
| Return on Equity (ROE) | -19.9662% | 5,332 |
| Retained earnings to average equity (ytd only) | -19.9662% | 5,254 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 206.5949% | 19 |
| Assets per employee ($millions) | 3.8701% | 4,100 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5641% | 1,146 |
| 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 | 62.2201% | 3,481 |
| Net loans and leases to deposits | 81.2308% | 2,700 |
| Net loans and leases to core deposits | 95.4781% | 1,973 |
| Total domestic deposits to total assets | 76.5967% | 4,696 |
| Equity capital to assets | 22.1496% | 171 |
| Core capital (leverage) ratio | 22.8514% | 155 |
| Tier 1 risk-based capital ratio | 27.8152% | 574 |
| Total risk-based capital ratio | 29.0666% | 558 |
| Memoranda: | ||
| Average total assets | $88,126,500 | 4,291 |
| Average earning assets | $85,342,500 | 4,236 |
| Average equity | $20,134,000 | 3,150 |
| Average total loans | $49,850,000 | 4,304 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8112% | 5,290 |
| Cost of funding earning assets | 0.5616% | 2,981 |
| Net interest margin | 2.2497% | 5,294 |
| Noninterest income to average assets | 0.0148% | 5,330 |
| Noninterest expense to average assets | 9.3827% | 69 |
| Loan and lease loss provision to assets | 1.0987% | 74 |
| Net operating income to assets | -8.3236% | 5,405 |
| Return on assets (ROA) | -8.3236% | 5,405 |
| Pretax return on assets | -8.3219% | 5,405 |
| Return on Equity (ROE) | -22.9922% | 5,383 |
| Retained earnings to average equity (ytd only) | -22.9922% | 5,379 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 434.4775% | 4 |
| Assets per employee ($millions) | 3.7930% | 4,189 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5356% | 1,184 |
| 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 | 49.0245% | 4,579 |
| Net loans and leases to deposits | 65.0182% | 4,185 |
| Net loans and leases to core deposits | 74.2337% | 3,834 |
| Total domestic deposits to total assets | 75.4012% | 4,829 |
| Equity capital to assets | 23.5580% | 134 |
| Core capital (leverage) ratio | 25.6365% | 105 |
| Tier 1 risk-based capital ratio | 37.6783% | 261 |
| Total risk-based capital ratio | 38.9286% | 261 |
| Memoranda: | ||
| Average total assets | $60,707,250 | 4,749 |
| Average earning assets | $57,875,500 | 4,711 |
| Average equity | $21,977,000 | 2,897 |
| Average total loans | $23,393,500 | 4,989 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2420% | 5,429 |
| Cost of funding earning assets | 0.3582% | 4,129 |
| Net interest margin | 1.8838% | 5,419 |
| Noninterest income to average assets | 0.0103% | 5,408 |
| Noninterest expense to average assets | 10.6637% | 59 |
| Loan and lease loss provision to assets | 1.5091% | 45 |
| Net operating income to assets | -10.3938% | 5,476 |
| Return on assets (ROA) | -10.3938% | 5,476 |
| Pretax return on assets | -10.3912% | 5,476 |
| Return on Equity (ROE) | -24.0091% | 5,455 |
| Retained earnings to average equity (ytd only) | -24.0091% | 5,444 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 598.5570% | 3 |
| Assets per employee ($millions) | 3.5777% | 4,459 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6095% | 1,060 |
| 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 | 47.7632% | 4,727 |
| Net loans and leases to deposits | 67.8381% | 4,069 |
| Net loans and leases to core deposits | 72.3502% | 4,059 |
| Total domestic deposits to total assets | 70.4077% | 5,197 |
| Equity capital to assets | 28.3185% | 75 |
| Core capital (leverage) ratio | 38.2965% | 49 |
| Tier 1 risk-based capital ratio | 45.9168% | 169 |
| Total risk-based capital ratio | 47.1685% | 165 |
| Memoranda: | ||
| Average total assets | $51,863,000 | 4,954 |
| Average earning assets | $48,764,000 | 4,937 |
| Average equity | $22,452,000 | 2,877 |
| Average total loans | $16,712,670 | 5,218 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5037% | 5,527 |
| Cost of funding earning assets | 0.2094% | 4,987 |
| Net interest margin | 1.2942% | 5,524 |
| Noninterest income to average assets | 0.0050% | 5,479 |
| Noninterest expense to average assets | 13.1795% | 48 |
| Loan and lease loss provision to assets | 1.0241% | 79 |
| Net operating income to assets | -13.0055% | 5,542 |
| Return on assets (ROA) | -13.0055% | 5,541 |
| Pretax return on assets | -13.0006% | 5,541 |
| Return on Equity (ROE) | -22.7083% | 5,510 |
| Retained earnings to average equity (ytd only) | -22.7083% | 5,498 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 1,095.4545% | 2 |
| Assets per employee ($millions) | 2.3930% | 5,360 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5532% | 1,229 |
| 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 | 25.9825% | 5,384 |
| Net loans and leases to deposits | 48.7002% | 5,011 |
| Net loans and leases to core deposits | 48.7002% | 5,071 |
| Total domestic deposits to total assets | 53.3520% | 5,487 |
| Equity capital to assets | 44.6103% | 43 |
| Core capital (leverage) ratio | 55.3367% | 36 |
| Tier 1 risk-based capital ratio | 129.9142% | 36 |
| Total risk-based capital ratio | 131.1660% | 36 |
| Memoranda: | ||
| Average total assets | $40,229,000 | 5,217 |
| Average earning assets | $37,242,000 | 5,210 |
| Average equity | $23,040,000 | 2,840 |
| Average total loans | $6,833,000 | 5,473 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.9771% | 5,603 |
| Cost of funding earning assets | 0.0000% | 5,593 |
| Net interest margin | 0.9771% | 5,599 |
| Noninterest income to average assets | 0.0000% | 5,557 |
| Noninterest expense to average assets | 15.4014% | 45 |
| Loan and lease loss provision to assets | 0.0927% | 1,966 |
| Net operating income to assets | -14.5936% | 5,605 |
| Return on assets (ROA) | -14.5936% | 5,605 |
| Pretax return on assets | -14.5936% | 5,604 |
| Return on Equity (ROE) | -18.6290% | 5,570 |
| Retained earnings to average equity (ytd only) | -18.6290% | 5,490 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 1,710.2941% | 3 |
| Assets per employee ($millions) | 1.8878% | 5,513 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7370% | 884 |
| 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 | 1.3110% | 5,571 |
| Net loans and leases to deposits | 7.3265% | 5,570 |
| Net loans and leases to core deposits | 7.3265% | 5,562 |
| Total domestic deposits to total assets | 17.8944% | 5,580 |
| Equity capital to assets | 78.3380% | 29 |
| Core capital (leverage) ratio | 88.6915% | 19 |
| Tier 1 risk-based capital ratio | 834.3441% | 3 |
| Total risk-based capital ratio | 834.7320% | 3 |
| Memoranda: | ||
| Average total assets | $30,205,000 | 5,430 |
| Average earning assets | $27,837,000 | 5,418 |
| Average equity | $23,662,000 | 2,804 |
| Average total loans | $403,000 | 5,574 |