Home > Gainey Business Bank > Performance and Condition Ratios
Gainey Business 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 | 6.0968% | 563 |
| Cost of funding earning assets | 1.5459% | 1,821 |
| Net interest margin | 4.5509% | 564 |
| Noninterest income to average assets | 0.0100% | 4,513 |
| Noninterest expense to average assets | 12.0587% | 101 |
| Loan and lease loss provision to assets | 2.4600% | 19 |
| Net operating income to assets | -10.2306% | 4,604 |
| Return on assets (ROA) | -10.2306% | 4,602 |
| Pretax return on assets | -10.2306% | 4,602 |
| Return on Equity (ROE) | -24.1300% | 4,555 |
| Retained earnings to average equity (ytd only) | -24.1292% | 4,534 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 281.4730% | 13 |
| Assets per employee ($millions) | 3.0604% | 4,376 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3778% | 91 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 59.3200% | 2,904 |
| Net loans and leases to deposits | 88.3659% | 1,394 |
| Net loans and leases to core deposits | 94.6079% | 1,732 |
| Total domestic deposits to total assets | 67.1300% | 4,354 |
| Equity capital to assets | 28.9959% | 161 |
| Core capital (leverage) ratio | 28.8884% | 126 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $30,741,200 | 4,459 |
| Average earning assets | $28,851,200 | 4,424 |
| Average equity | $13,034,000 | 3,424 |
| Average total loans | $14,340,800 | 4,360 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4750% | 1,046 |
| Cost of funding earning assets | 1.2061% | 2,415 |
| Net interest margin | 4.2689% | 840 |
| Noninterest income to average assets | 0.0000% | 4,562 |
| Noninterest expense to average assets | 12.2983% | 99 |
| Loan and lease loss provision to assets | 2.6900% | 19 |
| Net operating income to assets | -10.9921% | 4,630 |
| Return on assets (ROA) | -10.9921% | 4,629 |
| Pretax return on assets | -10.9921% | 4,629 |
| Return on Equity (ROE) | -23.3500% | 4,578 |
| Retained earnings to average equity (ytd only) | -23.3478% | 4,560 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 307.6112% | 13 |
| Assets per employee ($millions) | 2.3485% | 4,458 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8212% | 145 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 72.7700% | 1,492 |
| Net loans and leases to deposits | 132.4313% | 36 |
| Net loans and leases to core deposits | 134.4427% | 286 |
| Total domestic deposits to total assets | 54.9500% | 4,484 |
| Equity capital to assets | 39.9672% | 143 |
| Core capital (leverage) ratio | 42.3762% | 93 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $28,480,250 | 4,498 |
| Average earning assets | $26,641,500 | 4,463 |
| Average equity | $13,408,500 | 3,386 |
| Average total loans | $11,820,000 | 4,416 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0944% | 1,382 |
| Cost of funding earning assets | 1.1833% | 2,041 |
| Net interest margin | 3.9111% | 1,404 |
| Noninterest income to average assets | 0.0000% | 4,595 |
| Noninterest expense to average assets | 11.9293% | 98 |
| Loan and lease loss provision to assets | 2.0500% | 28 |
| Net operating income to assets | -10.3177% | 4,657 |
| Return on assets (ROA) | -10.3177% | 4,657 |
| Pretax return on assets | -10.3177% | 4,657 |
| Return on Equity (ROE) | -20.7700% | 4,611 |
| Retained earnings to average equity (ytd only) | -20.7666% | 4,578 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 325.7367% | 10 |
| Assets per employee ($millions) | 2.2562% | 4,492 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7554% | 161 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 46.2800% | 3,782 |
| Net loans and leases to deposits | 100.7397% | 482 |
| Net loans and leases to core deposits | 100.7397% | 1,196 |
| Total domestic deposits to total assets | 45.9400% | 4,533 |
| Equity capital to assets | 48.3637% | 128 |
| Core capital (leverage) ratio | 48.2303% | 84 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $27,797,000 | 4,529 |
| Average earning assets | $26,028,333 | 4,493 |
| Average equity | $13,810,667 | 3,372 |
| Average total loans | $8,139,000 | 4,488 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8521% | 1,502 |
| Cost of funding earning assets | 0.9372% | 2,250 |
| Net interest margin | 3.9149% | 1,451 |
| Noninterest income to average assets | 0.0000% | 4,636 |
| Noninterest expense to average assets | 11.5506% | 100 |
| Loan and lease loss provision to assets | 0.9900% | 67 |
| Net operating income to assets | -8.8654% | 4,680 |
| Return on assets (ROA) | -8.8654% | 4,680 |
| Pretax return on assets | -8.8654% | 4,678 |
| Return on Equity (ROE) | -17.6200% | 4,630 |
| Retained earnings to average equity (ytd only) | -17.6159% | 4,577 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 313.8996% | 10 |
| Assets per employee ($millions) | 2.5723% | 4,548 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9954% | 444 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 24.3000% | 4,472 |
| Net loans and leases to deposits | 52.5206% | 3,762 |
| Net loans and leases to core deposits | 52.5206% | 3,888 |
| Total domestic deposits to total assets | 46.2700% | 4,583 |
| Equity capital to assets | 49.0193% | 87 |
| Core capital (leverage) ratio | 51.5383% | 85 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $28,154,500 | 4,586 |
| Average earning assets | $26,463,000 | 4,557 |
| Average equity | $14,169,000 | 3,374 |
| Average total loans | $5,766,500 | 4,582 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7468% | 4,634 |
| Cost of funding earning assets | 0.1992% | 3,760 |
| Net interest margin | 1.5477% | 4,627 |
| Noninterest income to average assets | 0.0000% | 4,670 |
| Noninterest expense to average assets | 7.3091% | 144 |
| Loan and lease loss provision to assets | 0.2900% | 299 |
| Net operating income to assets | -6.0699% | 4,712 |
| Return on assets (ROA) | -6.0699% | 4,712 |
| Pretax return on assets | -6.0699% | 4,712 |
| Return on Equity (ROE) | -10.3100% | 4,663 |
| Retained earnings to average equity (ytd only) | -10.3088% | 4,633 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 479.4118% | 10 |
| Assets per employee ($millions) | 2.4528% | 4,588 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5497% | 1,081 |
| 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 | 16.4800% | 4,572 |
| Net loans and leases to deposits | 37.1698% | 4,319 |
| Net loans and leases to core deposits | 37.1698% | 4,354 |
| Total domestic deposits to total assets | 44.3400% | 4,616 |
| Equity capital to assets | 53.6377% | 80 |
| Core capital (leverage) ratio | 54.8030% | 84 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $24,531,000 | 4,649 |
| Average earning assets | $24,101,000 | 4,607 |
| Average equity | $14,444,000 | 3,418 |
| Average total loans | $2,411,667 | 4,633 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.9181% | 4,709 |
| Cost of funding earning assets | 0.0813% | 4,412 |
| Net interest margin | 0.8367% | 4,713 |
| Noninterest income to average assets | 0.0100% | 4,687 |
| Noninterest expense to average assets | 5.0744% | 210 |
| Loan and lease loss provision to assets | 0.2300% | 365 |
| Net operating income to assets | -4.4737% | 4,751 |
| Return on assets (ROA) | -4.4737% | 4,750 |
| Pretax return on assets | -4.4737% | 4,748 |
| Return on Equity (ROE) | -7.2300% | 4,682 |
| Retained earnings to average equity (ytd only) | -7.2255% | 4,644 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 611.7241% | 11 |
| Assets per employee ($millions) | 2.9786% | 4,575 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4771% | 1,366 |
| 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 | 8.9600% | 4,654 |
| Net loans and leases to deposits | 18.6900% | 4,617 |
| Net loans and leases to core deposits | 18.6900% | 4,606 |
| Total domestic deposits to total assets | 47.9300% | 4,658 |
| Equity capital to assets | 50.9803% | 83 |
| Core capital (leverage) ratio | 74.9877% | 66 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $23,306,000 | 4,692 |
| Average earning assets | $22,946,500 | 4,653 |
| Average equity | $14,430,000 | 3,470 |
| Average total loans | $1,354,000 | 4,675 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.1195% | 4,768 |
| Cost of funding earning assets | 0.0000% | 4,753 |
| Net interest margin | 0.1195% | 4,767 |
| Noninterest income to average assets | 0.0000% | 4,732 |
| Noninterest expense to average assets | 2.2584% | 2,677 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | -2.1395% | 4,736 |
| Return on assets (ROA) | -2.1395% | 4,733 |
| Pretax return on assets | -2.1395% | 4,730 |
| Return on Equity (ROE) | -2.6325% | 4,631 |
| Retained earnings to average equity (ytd only) | -2.6325% | 4,428 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 1,900.0000% | 5 |
| Assets per employee ($millions) | 1.8696% | 4,702 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 4,740 |
| Net loans and leases to deposits | 0.0000% | 4,740 |
| Net loans and leases to core deposits | 0.0000% | 4,730 |
| Total domestic deposits to total assets | 18.7270% | 4,746 |
| Equity capital to assets | 81.2730% | 25 |
| Core capital (leverage) ratio | 99.8321% | 6 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $16,826,000 | 4,752 |
| Average earning assets | $16,730,000 | 4,732 |
| Average equity | $13,675,000 | 3,619 |
| Average total loans | NA | NA |