Home > Fourth Capital Bank > Performance and Condition Ratios
Fourth Capital 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 | 6.0137% | 624 |
| Cost of funding earning assets | 2.7829% | 217 |
| Net interest margin | 3.2308% | 2,794 |
| Noninterest income to average assets | 0.2000% | 3,754 |
| Noninterest expense to average assets | 4.2263% | 322 |
| Loan and lease loss provision to assets | 0.8300% | 88 |
| Net operating income to assets | -1.7289% | 4,562 |
| Return on assets (ROA) | -1.7146% | 4,557 |
| Pretax return on assets | -1.8304% | 4,553 |
| Return on Equity (ROE) | -20.7400% | 4,548 |
| Retained earnings to average equity (ytd only) | -20.7429% | 4,526 |
| Net charge-offs to loans | 0.6876% | 144 |
| Credit loss provision to net charge-offs | 134.7361% | 1,560 |
| Earnings coverage of net charge-offs (x) | -1.9797% | 4,532 |
| Efficiency ratio | 131.7563% | 61 |
| Assets per employee ($millions) | 13.0739% | 321 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1895% | 2,357 |
| Loan loss allowance to noncurrent loans | 797.4916% | 1,051 |
| Noncurrent assets plus other real estate owned to assets | 0.1391% | 2,595 |
| Noncurrent loans to loans | 0.1491% | 2,768 |
| Net loans and leases to total assets | 70.4700% | 1,757 |
| Net loans and leases to deposits | 88.2181% | 1,412 |
| Net loans and leases to core deposits | 108.0189% | 1,035 |
| Total domestic deposits to total assets | 79.8800% | 3,484 |
| Equity capital to assets | 8.8406% | 2,793 |
| Core capital (leverage) ratio | 10.0565% | 2,733 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3949% | 2,454 |
| Memoranda: | ||
| Average total assets | $526,485,200 | 1,671 |
| Average earning assets | $489,563,400 | 1,665 |
| Average equity | $43,518,600 | 1,774 |
| Average total loans | $393,978,600 | 1,489 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9560% | 562 |
| Cost of funding earning assets | 2.6584% | 209 |
| Net interest margin | 3.2976% | 2,690 |
| Noninterest income to average assets | 0.2100% | 3,699 |
| Noninterest expense to average assets | 4.3183% | 301 |
| Loan and lease loss provision to assets | 1.1100% | 53 |
| Net operating income to assets | -2.0089% | 4,595 |
| Return on assets (ROA) | -1.9892% | 4,593 |
| Pretax return on assets | -2.1243% | 4,594 |
| Return on Equity (ROE) | -24.5600% | 4,582 |
| Retained earnings to average equity (ytd only) | -24.5608% | 4,564 |
| Net charge-offs to loans | 0.8797% | 103 |
| Credit loss provision to net charge-offs | 142.9289% | 1,350 |
| Earnings coverage of net charge-offs (x) | -1.5599% | 4,571 |
| Efficiency ratio | 131.7274% | 60 |
| Assets per employee ($millions) | 8.6813% | 1,049 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1845% | 2,442 |
| Loan loss allowance to noncurrent loans | 701.4205% | 1,132 |
| Noncurrent assets plus other real estate owned to assets | 0.1573% | 2,531 |
| Noncurrent loans to loans | 0.1689% | 2,692 |
| Net loans and leases to total assets | 71.9000% | 1,588 |
| Net loans and leases to deposits | 83.3897% | 1,792 |
| Net loans and leases to core deposits | 105.0058% | 1,063 |
| Total domestic deposits to total assets | 86.2200% | 2,129 |
| Equity capital to assets | 7.6221% | 3,281 |
| Core capital (leverage) ratio | 9.1220% | 3,662 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $517,502,750 | 1,694 |
| Average earning assets | $480,983,500 | 1,684 |
| Average equity | $41,914,000 | 1,802 |
| Average total loans | $392,238,500 | 1,485 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9114% | 496 |
| Cost of funding earning assets | 2.4702% | 203 |
| Net interest margin | 3.4412% | 2,415 |
| Noninterest income to average assets | 0.2200% | 3,636 |
| Noninterest expense to average assets | 3.7366% | 425 |
| Loan and lease loss provision to assets | 1.3500% | 41 |
| Net operating income to assets | -1.5712% | 4,618 |
| Return on assets (ROA) | -1.5406% | 4,614 |
| Pretax return on assets | -1.6444% | 4,612 |
| Return on Equity (ROE) | -18.6000% | 4,608 |
| Retained earnings to average equity (ytd only) | -18.6024% | 4,573 |
| Net charge-offs to loans | 1.1228% | 78 |
| Credit loss provision to net charge-offs | 156.0297% | 1,177 |
| Earnings coverage of net charge-offs (x) | -0.3803% | 4,607 |
| Efficiency ratio | 109.6437% | 99 |
| Assets per employee ($millions) | 7.8362% | 1,397 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2046% | 2,414 |
| Loan loss allowance to noncurrent loans | 2,030.6452% | 552 |
| Noncurrent assets plus other real estate owned to assets | 0.0472% | 3,307 |
| Noncurrent loans to loans | 0.0593% | 3,270 |
| Net loans and leases to total assets | 78.6700% | 768 |
| Net loans and leases to deposits | 93.0502% | 949 |
| Net loans and leases to core deposits | 125.8004% | 391 |
| Total domestic deposits to total assets | 84.5400% | 2,675 |
| Equity capital to assets | 7.8704% | 3,296 |
| Core capital (leverage) ratio | 9.0245% | 3,739 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $499,014,333 | 1,728 |
| Average earning assets | $462,396,333 | 1,730 |
| Average equity | $41,328,000 | 1,833 |
| Average total loans | $384,025,333 | 1,500 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7182% | 457 |
| Cost of funding earning assets | 2.1519% | 214 |
| Net interest margin | 3.5663% | 2,205 |
| Noninterest income to average assets | 0.1900% | 3,837 |
| Noninterest expense to average assets | 3.8238% | 402 |
| Loan and lease loss provision to assets | 0.4500% | 174 |
| Net operating income to assets | -0.7295% | 4,608 |
| Return on assets (ROA) | -0.6699% | 4,593 |
| Pretax return on assets | -0.7136% | 4,582 |
| Return on Equity (ROE) | -7.8800% | 4,582 |
| Retained earnings to average equity (ytd only) | -7.8779% | 4,428 |
| Net charge-offs to loans | 0.0861% | 651 |
| Credit loss provision to net charge-offs | 691.1392% | 461 |
| Earnings coverage of net charge-offs (x) | -5.0380% | 4,657 |
| Efficiency ratio | 109.3691% | 102 |
| Assets per employee ($millions) | 8.1263% | 1,280 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1260% | 2,929 |
| Loan loss allowance to noncurrent loans | 21,475.0000% | 90 |
| Noncurrent assets plus other real estate owned to assets | 0.0040% | 3,867 |
| Noncurrent loans to loans | 0.0052% | 3,808 |
| Net loans and leases to total assets | 74.8600% | 1,094 |
| Net loans and leases to deposits | 89.7063% | 1,077 |
| Net loans and leases to core deposits | 125.3632% | 339 |
| Total domestic deposits to total assets | 83.4400% | 3,214 |
| Equity capital to assets | 8.5759% | 2,835 |
| Core capital (leverage) ratio | 9.8307% | 2,858 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $486,007,500 | 1,775 |
| Average earning assets | $450,215,000 | 1,771 |
| Average equity | $41,331,000 | 1,856 |
| Average total loans | $367,003,500 | 1,557 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7747% | 450 |
| Cost of funding earning assets | 0.6702% | 668 |
| Net interest margin | 4.1045% | 648 |
| Noninterest income to average assets | 0.3600% | 2,944 |
| Noninterest expense to average assets | 3.8711% | 360 |
| Loan and lease loss provision to assets | 0.2600% | 356 |
| Net operating income to assets | 0.1031% | 4,507 |
| Return on assets (ROA) | -0.3861% | 4,625 |
| Pretax return on assets | -0.4095% | 4,619 |
| Return on Equity (ROE) | -4.2700% | 4,617 |
| Retained earnings to average equity (ytd only) | -4.2684% | 4,555 |
| Net charge-offs to loans | 0.1804% | 458 |
| Credit loss provision to net charge-offs | 191.4286% | 1,153 |
| Earnings coverage of net charge-offs (x) | 2.7277% | 2,492 |
| Efficiency ratio | 91.2303% | 273 |
| Assets per employee ($millions) | 7.4315% | 1,666 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0770% | 3,001 |
| 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 | 74.4900% | 1,179 |
| Net loans and leases to deposits | 87.3940% | 1,211 |
| Net loans and leases to core deposits | 121.4143% | 345 |
| Total domestic deposits to total assets | 85.2400% | 2,925 |
| Equity capital to assets | 8.4270% | 2,760 |
| Core capital (leverage) ratio | 9.9722% | 2,665 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $436,153,200 | 1,902 |
| Average earning assets | $412,862,000 | 1,868 |
| Average equity | $39,452,600 | 1,933 |
| Average total loans | $329,881,600 | 1,604 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6543% | 384 |
| Cost of funding earning assets | 0.4784% | 847 |
| Net interest margin | 4.1758% | 444 |
| Noninterest income to average assets | 0.3900% | 2,797 |
| Noninterest expense to average assets | 3.9356% | 343 |
| Loan and lease loss provision to assets | 0.2200% | 387 |
| Net operating income to assets | 0.1897% | 4,484 |
| Return on assets (ROA) | 0.0993% | 4,515 |
| Pretax return on assets | 0.1096% | 4,511 |
| Return on Equity (ROE) | 1.0800% | 4,488 |
| Retained earnings to average equity (ytd only) | 1.0781% | 4,202 |
| Net charge-offs to loans | 0.1941% | 341 |
| Credit loss provision to net charge-offs | 151.2712% | 1,123 |
| Earnings coverage of net charge-offs (x) | 2.9343% | 2,226 |
| Efficiency ratio | 90.1234% | 313 |
| Assets per employee ($millions) | 7.2075% | 1,804 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0847% | 3,084 |
| 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 | 72.4700% | 1,235 |
| Net loans and leases to deposits | 80.6096% | 1,548 |
| Net loans and leases to core deposits | 97.4432% | 924 |
| Total domestic deposits to total assets | 89.9000% | 1,708 |
| Equity capital to assets | 9.5433% | 1,853 |
| Core capital (leverage) ratio | 10.5040% | 2,113 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $428,145,500 | 1,939 |
| Average earning assets | $407,731,750 | 1,899 |
| Average equity | $39,452,250 | 1,962 |
| Average total loans | $324,210,000 | 1,618 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4383% | 412 |
| Cost of funding earning assets | 0.3656% | 1,146 |
| Net interest margin | 4.0727% | 422 |
| Noninterest income to average assets | 0.3309% | 3,178 |
| Noninterest expense to average assets | 3.9222% | 297 |
| Loan and lease loss provision to assets | 0.2149% | 372 |
| Net operating income to assets | 0.0735% | 4,537 |
| Return on assets (ROA) | -0.0570% | 4,570 |
| Pretax return on assets | -0.0561% | 4,558 |
| Return on Equity (ROE) | -0.6267% | 4,578 |
| Retained earnings to average equity (ytd only) | -0.6267% | 4,256 |
| Net charge-offs to loans | 0.1650% | 380 |
| Credit loss provision to net charge-offs | 170.1493% | 1,045 |
| Earnings coverage of net charge-offs (x) | 2.2910% | 2,036 |
| Efficiency ratio | 93.1281% | 318 |
| Assets per employee ($millions) | 7.8161% | 1,403 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0453% | 3,405 |
| 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 | 73.1144% | 989 |
| Net loans and leases to deposits | 80.1381% | 1,376 |
| Net loans and leases to core deposits | 98.7231% | 729 |
| Total domestic deposits to total assets | 91.2356% | 1,136 |
| Equity capital to assets | 8.2475% | 2,944 |
| Core capital (leverage) ratio | 9.2706% | 3,166 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $424,308,000 | 1,961 |
| Average earning assets | $404,303,000 | 1,929 |
| Average equity | $38,617,000 | 2,055 |
| Average total loans | $324,910,333 | 1,615 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3943% | 384 |
| Cost of funding earning assets | 0.3184% | 1,481 |
| Net interest margin | 4.0759% | 355 |
| Noninterest income to average assets | 0.2978% | 3,335 |
| Noninterest expense to average assets | 4.1547% | 251 |
| Loan and lease loss provision to assets | 0.3674% | 154 |
| Net operating income to assets | -0.3192% | 4,668 |
| Return on assets (ROA) | -0.5792% | 4,702 |
| Pretax return on assets | -0.6140% | 4,692 |
| Return on Equity (ROE) | -6.0576% | 4,715 |
| Retained earnings to average equity (ytd only) | -6.0576% | 4,459 |
| Net charge-offs to loans | 0.2627% | 245 |
| Credit loss provision to net charge-offs | 179.2453% | 808 |
| Earnings coverage of net charge-offs (x) | 0.1462% | 1,779 |
| Efficiency ratio | 99.2837% | 259 |
| Assets per employee ($millions) | 7.0360% | 1,970 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0343% | 3,583 |
| 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 | 76.2649% | 494 |
| Net loans and leases to deposits | 84.2488% | 867 |
| Net loans and leases to core deposits | 104.6355% | 374 |
| Total domestic deposits to total assets | 90.5234% | 1,280 |
| Equity capital to assets | 9.0022% | 2,705 |
| Core capital (leverage) ratio | 9.6153% | 2,676 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $413,703,000 | 2,001 |
| Average earning assets | $394,513,500 | 1,972 |
| Average equity | $39,553,500 | 2,072 |
| Average total loans | $322,776,000 | 1,611 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7936% | 360 |
| Cost of funding earning assets | 0.3709% | 1,746 |
| Net interest margin | 4.4227% | 316 |
| Noninterest income to average assets | 0.3842% | 3,139 |
| Noninterest expense to average assets | 4.3010% | 238 |
| Loan and lease loss provision to assets | 0.2557% | 357 |
| Net operating income to assets | -0.0002% | 4,683 |
| Return on assets (ROA) | 0.0453% | 4,670 |
| Pretax return on assets | 0.0506% | 4,670 |
| Return on Equity (ROE) | 0.4834% | 4,659 |
| Retained earnings to average equity (ytd only) | 0.4834% | 4,377 |
| Net charge-offs to loans | 0.3003% | 288 |
| Credit loss provision to net charge-offs | 110.9113% | 1,704 |
| Earnings coverage of net charge-offs (x) | 1.1091% | 2,627 |
| Efficiency ratio | 94.3892% | 226 |
| Assets per employee ($millions) | 6.3208% | 2,467 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0333% | 3,622 |
| 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 | 78.2381% | 369 |
| Net loans and leases to deposits | 87.8272% | 664 |
| Net loans and leases to core deposits | 106.2650% | 362 |
| Total domestic deposits to total assets | 89.0819% | 1,466 |
| Equity capital to assets | 10.1630% | 2,510 |
| Core capital (leverage) ratio | 10.4083% | 1,987 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $361,796,800 | 2,144 |
| Average earning assets | $341,332,600 | 2,124 |
| Average equity | $33,927,400 | 2,335 |
| Average total loans | $277,734,000 | 1,798 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6402% | 530 |
| Cost of funding earning assets | 0.3875% | 1,802 |
| Net interest margin | 4.2528% | 500 |
| Noninterest income to average assets | 0.3969% | 3,103 |
| Noninterest expense to average assets | 4.3878% | 230 |
| Loan and lease loss provision to assets | 0.1874% | 560 |
| Net operating income to assets | -0.1674% | 4,790 |
| Return on assets (ROA) | -0.0949% | 4,777 |
| Pretax return on assets | -0.1013% | 4,779 |
| Return on Equity (ROE) | -1.0364% | 4,791 |
| Retained earnings to average equity (ytd only) | -1.0364% | 4,665 |
| Net charge-offs to loans | 0.3630% | 214 |
| Credit loss provision to net charge-offs | 67.8523% | 1,771 |
| Earnings coverage of net charge-offs (x) | 0.0328% | 2,409 |
| Efficiency ratio | 99.7937% | 158 |
| Assets per employee ($millions) | 6.1179% | 2,572 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9803% | 3,912 |
| Loan loss allowance to noncurrent loans | 146,350.0000% | 7 |
| Noncurrent assets plus other real estate owned to assets | 0.0005% | 4,301 |
| Noncurrent loans to loans | 0.0007% | 4,230 |
| Net loans and leases to total assets | 75.5062% | 584 |
| Net loans and leases to deposits | 87.8444% | 725 |
| Net loans and leases to core deposits | 97.8847% | 663 |
| Total domestic deposits to total assets | 85.9545% | 2,766 |
| Equity capital to assets | 9.2351% | 3,618 |
| Core capital (leverage) ratio | 9.9222% | 2,600 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $352,693,500 | 2,200 |
| Average earning assets | $331,729,250 | 2,204 |
| Average equity | $32,291,750 | 2,445 |
| Average total loans | $268,466,250 | 1,874 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6277% | 597 |
| Cost of funding earning assets | 0.4070% | 1,826 |
| Net interest margin | 4.2207% | 562 |
| Noninterest income to average assets | 0.3473% | 3,369 |
| Noninterest expense to average assets | 4.4469% | 226 |
| Loan and lease loss provision to assets | 0.1083% | 1,162 |
| Net operating income to assets | -0.2361% | 4,833 |
| Return on assets (ROA) | -0.2361% | 4,838 |
| Pretax return on assets | -0.2520% | 4,840 |
| Return on Equity (ROE) | -2.5869% | 4,850 |
| Retained earnings to average equity (ytd only) | -2.5869% | 4,699 |
| Net charge-offs to loans | 0.3630% | 235 |
| Credit loss provision to net charge-offs | 39.2324% | 1,664 |
| Earnings coverage of net charge-offs (x) | -0.5203% | 2,203 |
| Efficiency ratio | 103.3379% | 141 |
| Assets per employee ($millions) | 6.0239% | 2,587 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9947% | 3,839 |
| Loan loss allowance to noncurrent loans | 143,850.0000% | 5 |
| Noncurrent assets plus other real estate owned to assets | 0.0005% | 4,347 |
| Noncurrent loans to loans | 0.0007% | 4,275 |
| Net loans and leases to total assets | 77.9316% | 450 |
| Net loans and leases to deposits | 91.7707% | 553 |
| Net loans and leases to core deposits | 101.4576% | 611 |
| Total domestic deposits to total assets | 84.9199% | 3,126 |
| Equity capital to assets | 8.9390% | 3,847 |
| Core capital (leverage) ratio | 9.8141% | 2,585 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $339,742,000 | 2,259 |
| Average earning assets | $318,429,333 | 2,247 |
| Average equity | $31,002,333 | 2,489 |
| Average total loans | $258,431,667 | 1,920 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3933% | 923 |
| Cost of funding earning assets | 0.4551% | 1,684 |
| Net interest margin | 3.9382% | 928 |
| Noninterest income to average assets | 0.3032% | 3,599 |
| Noninterest expense to average assets | 4.5231% | 208 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | -0.5106% | 4,895 |
| Return on assets (ROA) | -0.5106% | 4,895 |
| Pretax return on assets | -0.5450% | 4,890 |
| Return on Equity (ROE) | -5.5319% | 4,907 |
| Retained earnings to average equity (ytd only) | -5.5319% | 4,717 |
| Net charge-offs to loans | 0.4839% | 173 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | -1.5102% | 1,905 |
| Efficiency ratio | 113.6995% | 93 |
| Assets per employee ($millions) | 5.5421% | 3,077 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0813% | 3,518 |
| Loan loss allowance to noncurrent loans | 7,751.3514% | 135 |
| Noncurrent assets plus other real estate owned to assets | 0.3464% | 2,413 |
| Noncurrent loans to loans | 0.0139% | 4,239 |
| Net loans and leases to total assets | 77.6078% | 490 |
| Net loans and leases to deposits | 90.5520% | 673 |
| Net loans and leases to core deposits | 97.6318% | 818 |
| Total domestic deposits to total assets | 85.7053% | 2,855 |
| Equity capital to assets | 9.6196% | 3,081 |
| Core capital (leverage) ratio | 10.1561% | 2,373 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $325,884,500 | 2,313 |
| Average earning assets | $304,101,000 | 2,304 |
| Average equity | $30,080,000 | 2,534 |
| Average total loans | $243,026,500 | 2,005 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1583% | 2,259 |
| Cost of funding earning assets | 0.8618% | 985 |
| Net interest margin | 3.2965% | 3,072 |
| Noninterest income to average assets | 0.0983% | 4,748 |
| Noninterest expense to average assets | 4.0948% | 348 |
| Loan and lease loss provision to assets | 0.3503% | 987 |
| Net operating income to assets | -1.1881% | 4,943 |
| Return on assets (ROA) | -1.1472% | 4,941 |
| Pretax return on assets | -1.2269% | 4,939 |
| Return on Equity (ROE) | -12.4163% | 4,960 |
| Retained earnings to average equity (ytd only) | -12.4163% | 4,931 |
| Net charge-offs to loans | 0.0843% | 1,618 |
| Credit loss provision to net charge-offs | 573.3696% | 1,139 |
| Earnings coverage of net charge-offs (x) | -15.0598% | 3,415 |
| Efficiency ratio | 128.9823% | 59 |
| Assets per employee ($millions) | 5.7036% | 2,624 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4320% | 1,845 |
| Loan loss allowance to noncurrent loans | 1,581.0000% | 465 |
| Noncurrent assets plus other real estate owned to assets | 0.4252% | 2,302 |
| Noncurrent loans to loans | 0.0906% | 3,926 |
| Net loans and leases to total assets | 69.3832% | 1,633 |
| Net loans and leases to deposits | 81.5447% | 1,701 |
| Net loans and leases to core deposits | 89.7861% | 1,540 |
| Total domestic deposits to total assets | 85.0861% | 2,727 |
| Equity capital to assets | 8.8106% | 4,215 |
| Core capital (leverage) ratio | 9.1098% | 3,544 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $301,164,800 | 2,291 |
| Average earning assets | $281,055,400 | 2,282 |
| Average equity | $27,826,400 | 2,610 |
| Average total loans | $218,233,400 | 2,113 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0831% | 2,720 |
| Cost of funding earning assets | 0.9631% | 867 |
| Net interest margin | 3.1200% | 3,690 |
| Noninterest income to average assets | 0.0953% | 4,776 |
| Noninterest expense to average assets | 3.8331% | 440 |
| Loan and lease loss provision to assets | 0.4721% | 654 |
| Net operating income to assets | -1.2062% | 4,958 |
| Return on assets (ROA) | -1.1511% | 4,954 |
| Pretax return on assets | -1.2307% | 4,954 |
| Return on Equity (ROE) | -12.3078% | 4,976 |
| Retained earnings to average equity (ytd only) | -12.3078% | 4,951 |
| Net charge-offs to loans | 0.0319% | 2,193 |
| Credit loss provision to net charge-offs | 2,028.8462% | 468 |
| Earnings coverage of net charge-offs (x) | -35.1346% | 3,225 |
| Efficiency ratio | 127.1028% | 64 |
| Assets per employee ($millions) | 6.3971% | 1,918 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4482% | 1,541 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4082% | 2,536 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 66.1158% | 2,505 |
| Net loans and leases to deposits | 78.3677% | 2,500 |
| Net loans and leases to core deposits | 85.7240% | 2,322 |
| Total domestic deposits to total assets | 84.3661% | 2,688 |
| Equity capital to assets | 8.4192% | 4,507 |
| Core capital (leverage) ratio | 9.0962% | 3,658 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $298,031,000 | 2,288 |
| Average earning assets | $278,965,000 | 2,280 |
| Average equity | $27,873,250 | 2,603 |
| Average total loans | $217,587,500 | 2,117 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2361% | 2,647 |
| Cost of funding earning assets | 1.0875% | 735 |
| Net interest margin | 3.1486% | 3,789 |
| Noninterest income to average assets | 0.1006% | 4,780 |
| Noninterest expense to average assets | 3.7010% | 575 |
| Loan and lease loss provision to assets | 0.6822% | 414 |
| Net operating income to assets | -1.2456% | 4,980 |
| Return on assets (ROA) | -1.2456% | 4,981 |
| Pretax return on assets | -1.3279% | 4,976 |
| Return on Equity (ROE) | -12.8104% | 5,003 |
| Retained earnings to average equity (ytd only) | -12.8104% | 4,960 |
| Net charge-offs to loans | 0.0495% | 1,778 |
| Credit loss provision to net charge-offs | 1,830.1887% | 520 |
| Earnings coverage of net charge-offs (x) | -17.3208% | 2,995 |
| Efficiency ratio | 121.1326% | 88 |
| Assets per employee ($millions) | 6.2859% | 1,963 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4755% | 1,344 |
| Loan loss allowance to noncurrent loans | 2,212.4138% | 279 |
| Noncurrent assets plus other real estate owned to assets | 0.4678% | 2,448 |
| Noncurrent loans to loans | 0.0667% | 4,206 |
| Net loans and leases to total assets | 65.5355% | 2,695 |
| Net loans and leases to deposits | 78.4012% | 2,613 |
| Net loans and leases to core deposits | 92.0962% | 1,893 |
| Total domestic deposits to total assets | 83.5900% | 2,890 |
| Equity capital to assets | 9.0043% | 4,084 |
| Core capital (leverage) ratio | 10.1247% | 2,712 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $284,359,333 | 2,341 |
| Average earning assets | $266,847,000 | 2,326 |
| Average equity | $27,649,333 | 2,606 |
| Average total loans | $214,297,667 | 2,129 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5875% | 2,035 |
| Cost of funding earning assets | 1.3344% | 503 |
| Net interest margin | 3.2531% | 3,714 |
| Noninterest income to average assets | 0.1064% | 4,796 |
| Noninterest expense to average assets | 3.8737% | 576 |
| Loan and lease loss provision to assets | 0.1338% | 2,055 |
| Net operating income to assets | -0.7769% | 4,967 |
| Return on assets (ROA) | -0.7769% | 4,949 |
| Pretax return on assets | -0.8286% | 4,935 |
| Return on Equity (ROE) | -7.6388% | 4,971 |
| Retained earnings to average equity (ytd only) | -7.6388% | 4,673 |
| Net charge-offs to loans | -0.0038% | 3,773 |
| Credit loss provision to net charge-offs | -4,400.0000% | 3,849 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 121.8556% | 103 |
| Assets per employee ($millions) | 5.4435% | 2,180 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1009% | 3,197 |
| Loan loss allowance to noncurrent loans | 121.6658% | 2,934 |
| Noncurrent assets plus other real estate owned to assets | 1.2272% | 993 |
| Noncurrent loans to loans | 0.9048% | 1,803 |
| Net loans and leases to total assets | 78.5919% | 890 |
| Net loans and leases to deposits | 89.0989% | 1,626 |
| Net loans and leases to core deposits | 105.9108% | 1,068 |
| Total domestic deposits to total assets | 88.2075% | 1,013 |
| Equity capital to assets | 11.2432% | 2,645 |
| Core capital (leverage) ratio | 12.1143% | 1,667 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $263,105,500 | 2,407 |
| Average earning assets | $248,503,000 | 2,380 |
| Average equity | $26,758,000 | 2,654 |
| Average total loans | $212,735,500 | 2,104 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0930% | 1,227 |
| Cost of funding earning assets | 1.4236% | 515 |
| Net interest margin | 3.6694% | 2,908 |
| Noninterest income to average assets | 0.1709% | 4,634 |
| Noninterest expense to average assets | 3.3839% | 1,144 |
| Loan and lease loss provision to assets | 0.7346% | 147 |
| Net operating income to assets | -0.4576% | 5,048 |
| Return on assets (ROA) | -0.3536% | 5,047 |
| Pretax return on assets | -0.3769% | 5,044 |
| Return on Equity (ROE) | -4.0618% | 5,063 |
| Retained earnings to average equity (ytd only) | -4.0618% | 4,951 |
| Net charge-offs to loans | 0.8099% | 208 |
| Credit loss provision to net charge-offs | 115.9239% | 2,178 |
| Earnings coverage of net charge-offs (x) | 0.3898% | 3,617 |
| Efficiency ratio | 93.1971% | 261 |
| Assets per employee ($millions) | 5.7736% | 1,811 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0952% | 2,978 |
| Loan loss allowance to noncurrent loans | 117.0669% | 3,014 |
| Noncurrent assets plus other real estate owned to assets | 1.3148% | 833 |
| Noncurrent loans to loans | 0.9355% | 1,634 |
| Net loans and leases to total assets | 81.4418% | 626 |
| Net loans and leases to deposits | 90.3132% | 1,550 |
| Net loans and leases to core deposits | 105.2221% | 1,157 |
| Total domestic deposits to total assets | 90.1771% | 265 |
| Equity capital to assets | 9.0203% | 4,676 |
| Core capital (leverage) ratio | 8.7468% | 4,702 |
| Tier 1 risk-based capital ratio | 10.1164% | 5,106 |
| Total risk-based capital ratio | 11.1278% | 5,099 |
| Memoranda: | ||
| Average total assets | $265,578,800 | 2,356 |
| Average earning assets | $250,422,400 | 2,336 |
| Average equity | $23,118,000 | 2,861 |
| Average total loans | $207,791,000 | 2,108 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1398% | 1,179 |
| Cost of funding earning assets | 1.4248% | 529 |
| Net interest margin | 3.7150% | 2,868 |
| Noninterest income to average assets | 0.1306% | 4,877 |
| Noninterest expense to average assets | 3.0434% | 1,850 |
| Loan and lease loss provision to assets | 0.9302% | 103 |
| Net operating income to assets | -0.3189% | 5,118 |
| Return on assets (ROA) | -0.2270% | 5,115 |
| Pretax return on assets | -0.2439% | 5,110 |
| Return on Equity (ROE) | -2.6299% | 5,132 |
| Retained earnings to average equity (ytd only) | -2.6299% | 4,967 |
| Net charge-offs to loans | 0.9609% | 152 |
| Credit loss provision to net charge-offs | 125.2843% | 1,876 |
| Earnings coverage of net charge-offs (x) | 0.7913% | 3,341 |
| Efficiency ratio | 83.8189% | 628 |
| Assets per employee ($millions) | 6.3315% | 1,373 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1647% | 2,693 |
| Loan loss allowance to noncurrent loans | 111.5706% | 3,127 |
| Noncurrent assets plus other real estate owned to assets | 1.4237% | 802 |
| Noncurrent loans to loans | 1.0439% | 1,536 |
| Net loans and leases to total assets | 76.6218% | 1,371 |
| Net loans and leases to deposits | 84.7098% | 2,351 |
| Net loans and leases to core deposits | 98.4110% | 1,791 |
| Total domestic deposits to total assets | 90.4521% | 179 |
| Equity capital to assets | 8.7984% | 4,881 |
| Core capital (leverage) ratio | 8.6311% | 4,870 |
| Tier 1 risk-based capital ratio | 10.1890% | 5,156 |
| Total risk-based capital ratio | 11.2350% | 5,139 |
| Memoranda: | ||
| Average total assets | $268,464,000 | 2,354 |
| Average earning assets | $252,947,000 | 2,337 |
| Average equity | $23,168,750 | 2,877 |
| Average total loans | $207,442,750 | 2,124 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1638% | 1,060 |
| Cost of funding earning assets | 1.4143% | 507 |
| Net interest margin | 3.7495% | 2,756 |
| Noninterest income to average assets | 0.2131% | 4,465 |
| Noninterest expense to average assets | 3.0032% | 1,999 |
| Loan and lease loss provision to assets | 0.1968% | 881 |
| Net operating income to assets | 0.5094% | 4,509 |
| Return on assets (ROA) | 0.5094% | 4,544 |
| Pretax return on assets | 0.5451% | 4,638 |
| Return on Equity (ROE) | 5.9413% | 4,062 |
| Retained earnings to average equity (ytd only) | 5.9413% | 2,305 |
| Net charge-offs to loans | -0.0029% | 4,024 |
| Credit loss provision to net charge-offs | -8,833.3333% | 4,528 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1904% | 952 |
| Assets per employee ($millions) | 7.4292% | 842 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0760% | 3,210 |
| Loan loss allowance to noncurrent loans | 2,268.3168% | 299 |
| Noncurrent assets plus other real estate owned to assets | 0.6312% | 2,145 |
| Noncurrent loans to loans | 0.0474% | 4,476 |
| Net loans and leases to total assets | 76.6212% | 1,449 |
| Net loans and leases to deposits | 84.9489% | 2,372 |
| Net loans and leases to core deposits | 112.5902% | 844 |
| Total domestic deposits to total assets | 90.1969% | 284 |
| Equity capital to assets | 8.7248% | 4,939 |
| Core capital (leverage) ratio | 8.7014% | 4,841 |
| Tier 1 risk-based capital ratio | 10.0864% | 5,212 |
| Total risk-based capital ratio | 11.0597% | 5,216 |
| Memoranda: | ||
| Average total assets | $269,311,000 | 2,358 |
| Average earning assets | $253,688,330 | 2,336 |
| Average equity | $23,092,670 | 2,876 |
| Average total loans | $207,871,670 | 2,133 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1000% | 1,096 |
| Cost of funding earning assets | 1.3157% | 634 |
| Net interest margin | 3.7843% | 2,587 |
| Noninterest income to average assets | 0.1471% | 4,860 |
| Noninterest expense to average assets | 2.9205% | 2,220 |
| Loan and lease loss provision to assets | 0.2776% | 487 |
| Net operating income to assets | 0.4773% | 4,579 |
| Return on assets (ROA) | 0.4773% | 4,605 |
| Pretax return on assets | 0.5103% | 4,657 |
| Return on Equity (ROE) | 5.6165% | 4,145 |
| Retained earnings to average equity (ytd only) | 5.6165% | 2,627 |
| Net charge-offs to loans | -0.0039% | 3,965 |
| Credit loss provision to net charge-offs | -9,250.0000% | 4,240 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7535% | 1,188 |
| Assets per employee ($millions) | 7.4249% | 844 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0283% | 3,533 |
| Loan loss allowance to noncurrent loans | 2,166.6667% | 299 |
| Noncurrent assets plus other real estate owned to assets | 0.6366% | 2,179 |
| Noncurrent loans to loans | 0.0475% | 4,549 |
| Net loans and leases to total assets | 77.4294% | 1,248 |
| Net loans and leases to deposits | 85.1773% | 2,231 |
| Net loans and leases to core deposits | 113.5929% | 758 |
| Total domestic deposits to total assets | 90.9038% | 191 |
| Equity capital to assets | 8.3976% | 5,042 |
| Core capital (leverage) ratio | 8.7286% | 4,842 |
| Tier 1 risk-based capital ratio | 9.8837% | 5,301 |
| Total risk-based capital ratio | 10.8182% | 5,309 |
| Memoranda: | ||
| Average total assets | $266,525,500 | 2,394 |
| Average earning assets | $250,823,000 | 2,375 |
| Average equity | $22,647,500 | 2,917 |
| Average total loans | $205,353,000 | 2,174 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6395% | 2,023 |
| Cost of funding earning assets | 0.9440% | 950 |
| Net interest margin | 3.6954% | 3,047 |
| Noninterest income to average assets | 0.3203% | 3,963 |
| Noninterest expense to average assets | 2.9805% | 2,096 |
| Loan and lease loss provision to assets | 0.5704% | 195 |
| Net operating income to assets | 0.2543% | 5,055 |
| Return on assets (ROA) | 0.2524% | 5,052 |
| Pretax return on assets | 0.2664% | 5,071 |
| Return on Equity (ROE) | 3.0946% | 4,879 |
| Retained earnings to average equity (ytd only) | 3.0946% | 3,846 |
| Net charge-offs to loans | 0.5940% | 287 |
| Credit loss provision to net charge-offs | 134.2153% | 1,979 |
| Earnings coverage of net charge-offs (x) | 1.9735% | 3,568 |
| Efficiency ratio | 78.0384% | 1,127 |
| Assets per employee ($millions) | 7.1759% | 914 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0333% | 3,484 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6376% | 2,131 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 75.0042% | 1,772 |
| Net loans and leases to deposits | 82.7535% | 2,646 |
| Net loans and leases to core deposits | 99.6318% | 1,743 |
| Total domestic deposits to total assets | 90.6357% | 285 |
| Equity capital to assets | 8.6033% | 4,867 |
| Core capital (leverage) ratio | 8.8242% | 4,792 |
| Tier 1 risk-based capital ratio | 10.5851% | 5,150 |
| Total risk-based capital ratio | 11.5139% | 5,172 |
| Memoranda: | ||
| Average total assets | $257,876,400 | 2,418 |
| Average earning assets | $244,166,200 | 2,381 |
| Average equity | $21,036,600 | 2,985 |
| Average total loans | $184,509,600 | 2,303 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5177% | 2,239 |
| Cost of funding earning assets | 0.8769% | 1,007 |
| Net interest margin | 3.6409% | 3,219 |
| Noninterest income to average assets | 0.2985% | 4,151 |
| Noninterest expense to average assets | 2.9675% | 2,122 |
| Loan and lease loss provision to assets | 0.7247% | 135 |
| Net operating income to assets | 0.0651% | 5,269 |
| Return on assets (ROA) | 0.0626% | 5,264 |
| Pretax return on assets | 0.0636% | 5,266 |
| Return on Equity (ROE) | 0.7779% | 5,253 |
| Retained earnings to average equity (ytd only) | 0.7779% | 4,904 |
| Net charge-offs to loans | 0.8050% | 174 |
| Credit loss provision to net charge-offs | 127.7119% | 1,919 |
| Earnings coverage of net charge-offs (x) | 1.3938% | 3,352 |
| Efficiency ratio | 78.9568% | 1,031 |
| Assets per employee ($millions) | 7.4907% | 779 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0331% | 3,571 |
| Loan loss allowance to noncurrent loans | 15,015.3846% | 58 |
| Noncurrent assets plus other real estate owned to assets | 0.5943% | 2,399 |
| Noncurrent loans to loans | 0.0069% | 4,902 |
| Net loans and leases to total assets | 67.4680% | 3,015 |
| Net loans and leases to deposits | 73.7079% | 3,617 |
| Net loans and leases to core deposits | 82.8986% | 3,259 |
| Total domestic deposits to total assets | 91.5343% | 127 |
| Equity capital to assets | 7.7599% | 5,252 |
| Core capital (leverage) ratio | 8.1595% | 5,270 |
| Tier 1 risk-based capital ratio | 10.4149% | 5,268 |
| Total risk-based capital ratio | 11.3175% | 5,310 |
| Memoranda: | ||
| Average total assets | $257,762,750 | 2,431 |
| Average earning assets | $244,953,750 | 2,388 |
| Average equity | $20,739,500 | 3,044 |
| Average total loans | $181,691,500 | 2,335 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4665% | 2,194 |
| Cost of funding earning assets | 0.8233% | 1,030 |
| Net interest margin | 3.6432% | 3,146 |
| Noninterest income to average assets | 0.1138% | 5,215 |
| Noninterest expense to average assets | 2.9105% | 2,327 |
| Loan and lease loss provision to assets | 1.0951% | 69 |
| Net operating income to assets | -0.3971% | 5,427 |
| Return on assets (ROA) | -0.3971% | 5,422 |
| Pretax return on assets | -0.4298% | 5,425 |
| Return on Equity (ROE) | -4.8722% | 5,436 |
| Retained earnings to average equity (ytd only) | -4.8722% | 5,285 |
| Net charge-offs to loans | 1.2249% | 103 |
| Credit loss provision to net charge-offs | 125.3188% | 1,756 |
| Earnings coverage of net charge-offs (x) | 0.7614% | 3,108 |
| Efficiency ratio | 81.3933% | 884 |
| Assets per employee ($millions) | 6.6698% | 1,092 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0304% | 3,644 |
| Loan loss allowance to noncurrent loans | 123.4766% | 3,085 |
| Noncurrent assets plus other real estate owned to assets | 0.6151% | 2,380 |
| Noncurrent loans to loans | 0.8345% | 2,058 |
| Net loans and leases to total assets | 72.9473% | 2,128 |
| Net loans and leases to deposits | 79.7759% | 2,973 |
| Net loans and leases to core deposits | 89.4302% | 2,616 |
| Total domestic deposits to total assets | 91.4402% | 163 |
| Equity capital to assets | 7.9080% | 5,258 |
| Core capital (leverage) ratio | 8.4434% | 5,148 |
| Tier 1 risk-based capital ratio | 9.8385% | 5,458 |
| Total risk-based capital ratio | 10.7402% | 5,478 |
| Memoranda: | ||
| Average total assets | $251,298,670 | 2,496 |
| Average earning assets | $238,800,330 | 2,441 |
| Average equity | $20,483,670 | 3,081 |
| Average total loans | $179,274,330 | 2,358 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3697% | 2,296 |
| Cost of funding earning assets | 0.7873% | 1,005 |
| Net interest margin | 3.5824% | 3,247 |
| Noninterest income to average assets | 0.0863% | 5,377 |
| Noninterest expense to average assets | 2.8295% | 2,608 |
| Loan and lease loss provision to assets | 1.9806% | 36 |
| Net operating income to assets | -1.2213% | 5,549 |
| Return on assets (ROA) | -1.2213% | 5,547 |
| Pretax return on assets | -1.3124% | 5,548 |
| Return on Equity (ROE) | -14.7604% | 5,560 |
| Retained earnings to average equity (ytd only) | -14.7604% | 5,453 |
| Net charge-offs to loans | 2.5048% | 43 |
| Credit loss provision to net charge-offs | 112.7389% | 1,430 |
| Earnings coverage of net charge-offs (x) | 0.3803% | 2,642 |
| Efficiency ratio | 80.8958% | 1,052 |
| Assets per employee ($millions) | 6.8004% | 1,046 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0175% | 3,855 |
| Loan loss allowance to noncurrent loans | 643.1655% | 879 |
| Noncurrent assets plus other real estate owned to assets | 0.1105% | 4,543 |
| Noncurrent loans to loans | 0.1582% | 4,269 |
| Net loans and leases to total assets | 69.1254% | 2,611 |
| Net loans and leases to deposits | 75.6181% | 3,255 |
| Net loans and leases to core deposits | 89.7448% | 2,472 |
| Total domestic deposits to total assets | 91.4139% | 204 |
| Equity capital to assets | 7.9574% | 5,288 |
| Core capital (leverage) ratio | 8.2803% | 5,272 |
| Tier 1 risk-based capital ratio | 10.6548% | 5,302 |
| Total risk-based capital ratio | 11.5734% | 5,331 |
| Memoranda: | ||
| Average total assets | $250,221,500 | 2,514 |
| Average earning assets | $238,275,000 | 2,465 |
| Average equity | $20,704,000 | 3,085 |
| Average total loans | $175,505,500 | 2,411 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.0705% | 5,650 |
| Cost of funding earning assets | 0.1946% | 4,991 |
| Net interest margin | 0.8759% | 5,653 |
| Noninterest income to average assets | 0.0812% | 5,456 |
| Noninterest expense to average assets | 1.0231% | 5,611 |
| Loan and lease loss provision to assets | 0.2597% | 711 |
| Net operating income to assets | -0.3513% | 5,489 |
| Return on assets (ROA) | -0.3513% | 5,487 |
| Pretax return on assets | -0.3690% | 5,525 |
| Return on Equity (ROE) | -4.0773% | 5,525 |
| Retained earnings to average equity (ytd only) | -4.0773% | 5,403 |
| Net charge-offs to loans | 0.4455% | 541 |
| Credit loss provision to net charge-offs | 82.7145% | 2,902 |
| Earnings coverage of net charge-offs (x) | -0.3483% | 4,028 |
| Efficiency ratio | 111.9666% | 90 |
| Assets per employee ($millions) | 6.9101% | 1,006 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9401% | 4,272 |
| Loan loss allowance to noncurrent loans | 117.7143% | 3,236 |
| Noncurrent assets plus other real estate owned to assets | 0.5628% | 2,670 |
| Noncurrent loans to loans | 0.7987% | 2,215 |
| Net loans and leases to total assets | 69.8031% | 2,548 |
| Net loans and leases to deposits | 76.8783% | 3,242 |
| Net loans and leases to core deposits | 91.5830% | 2,408 |
| Total domestic deposits to total assets | 90.7969% | 298 |
| Equity capital to assets | 8.6170% | 5,020 |
| Core capital (leverage) ratio | 8.2633% | 5,312 |
| Tier 1 risk-based capital ratio | 11.0321% | 5,126 |
| Total risk-based capital ratio | 11.8771% | 5,222 |
| Memoranda: | ||
| Average total assets | $248,764,000 | 2,497 |
| Average earning assets | $236,439,000 | 2,452 |
| Average equity | $21,436,000 | 3,003 |
| Average total loans | $175,293,000 | 2,381 |