Home > Gulf Atlantic Bank > Performance and Condition Ratios
Gulf Atlantic 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 | 5.8287% | 794 |
| Cost of funding earning assets | 2.4846% | 375 |
| Net interest margin | 3.3440% | 2,525 |
| Noninterest income to average assets | 0.1900% | 3,826 |
| Noninterest expense to average assets | 3.0779% | 994 |
| Loan and lease loss provision to assets | 0.1400% | 913 |
| Net operating income to assets | 0.8860% | 2,593 |
| Return on assets (ROA) | 0.9041% | 2,511 |
| Pretax return on assets | 0.0461% | 4,315 |
| Return on Equity (ROE) | 11.3900% | 2,126 |
| Retained earnings to average equity (ytd only) | 11.3889% | 715 |
| Net charge-offs to loans | 0.0041% | 2,587 |
| Credit loss provision to net charge-offs | 2,350.0000% | 202 |
| Earnings coverage of net charge-offs (x) | 55.5000% | 1,233 |
| Efficiency ratio | 94.8336% | 280 |
| Assets per employee ($millions) | 5.8082% | 2,975 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8332% | 3,884 |
| Loan loss allowance to noncurrent loans | 89.5976% | 3,311 |
| Noncurrent assets plus other real estate owned to assets | 0.7018% | 743 |
| Noncurrent loans to loans | 0.9299% | 802 |
| Net loans and leases to total assets | 74.8400% | 1,260 |
| Net loans and leases to deposits | 92.8390% | 1,024 |
| Net loans and leases to core deposits | 127.5446% | 448 |
| Total domestic deposits to total assets | 80.6100% | 3,369 |
| Equity capital to assets | 7.9123% | 3,473 |
| Core capital (leverage) ratio | 9.0010% | 3,747 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2959% | 2,763 |
| Memoranda: | ||
| Average total assets | $132,396,800 | 3,527 |
| Average earning assets | $120,781,800 | 3,537 |
| Average equity | $10,510,200 | 3,664 |
| Average total loans | $97,354,600 | 3,206 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6835% | 809 |
| Cost of funding earning assets | 2.2528% | 452 |
| Net interest margin | 3.4307% | 2,393 |
| Noninterest income to average assets | 0.1900% | 3,850 |
| Noninterest expense to average assets | 3.2199% | 795 |
| Loan and lease loss provision to assets | 0.1200% | 978 |
| Net operating income to assets | 1.1662% | 1,887 |
| Return on assets (ROA) | 1.1662% | 1,868 |
| Pretax return on assets | -0.0237% | 4,416 |
| Return on Equity (ROE) | 14.6800% | 1,510 |
| Retained earnings to average equity (ytd only) | 14.6766% | 595 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 97.1357% | 215 |
| Assets per employee ($millions) | 5.4629% | 3,215 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8009% | 3,979 |
| Loan loss allowance to noncurrent loans | 3,976.1905% | 294 |
| Noncurrent assets plus other real estate owned to assets | 0.0148% | 3,692 |
| Noncurrent loans to loans | 0.0201% | 3,620 |
| Net loans and leases to total assets | 72.8100% | 1,488 |
| Net loans and leases to deposits | 89.5003% | 1,268 |
| Net loans and leases to core deposits | 122.6045% | 493 |
| Total domestic deposits to total assets | 81.3600% | 3,327 |
| Equity capital to assets | 7.5375% | 3,334 |
| Core capital (leverage) ratio | 9.3086% | 3,481 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4839% | 2,730 |
| Memoranda: | ||
| Average total assets | $129,194,750 | 3,570 |
| Average earning assets | $117,836,000 | 3,582 |
| Average equity | $10,265,500 | 3,694 |
| Average total loans | $94,298,000 | 3,241 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5975% | 734 |
| Cost of funding earning assets | 1.9454% | 559 |
| Net interest margin | 3.6521% | 1,911 |
| Noninterest income to average assets | 0.1900% | 3,834 |
| Noninterest expense to average assets | 3.2246% | 767 |
| Loan and lease loss provision to assets | 0.1500% | 736 |
| Net operating income to assets | 1.9485% | 503 |
| Return on assets (ROA) | 1.9485% | 503 |
| Pretax return on assets | 0.1489% | 4,364 |
| Return on Equity (ROE) | 24.0500% | 425 |
| Retained earnings to average equity (ytd only) | 24.0546% | 138 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 91.6288% | 308 |
| Assets per employee ($millions) | 4.6905% | 3,829 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8224% | 3,964 |
| 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 | 75.4800% | 1,106 |
| Net loans and leases to deposits | 94.7370% | 798 |
| Net loans and leases to core deposits | 134.8217% | 266 |
| Total domestic deposits to total assets | 79.6700% | 3,618 |
| Equity capital to assets | 8.4410% | 2,911 |
| Core capital (leverage) ratio | 9.6992% | 3,048 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1746% | 2,581 |
| Memoranda: | ||
| Average total assets | $124,914,333 | 3,626 |
| Average earning assets | $114,015,333 | 3,636 |
| Average equity | $10,118,667 | 3,730 |
| Average total loans | $90,978,000 | 3,285 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2831% | 844 |
| Cost of funding earning assets | 1.5074% | 832 |
| Net interest margin | 3.7757% | 1,734 |
| Noninterest income to average assets | 0.1500% | 4,077 |
| Noninterest expense to average assets | 3.2439% | 750 |
| Loan and lease loss provision to assets | 0.2200% | 458 |
| Net operating income to assets | 0.1512% | 4,402 |
| Return on assets (ROA) | 0.1512% | 4,378 |
| Pretax return on assets | 0.1512% | 4,379 |
| Return on Equity (ROE) | 1.9100% | 4,315 |
| Retained earnings to average equity (ytd only) | 1.9097% | 3,717 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 89.8089% | 364 |
| Assets per employee ($millions) | 5.3507% | 3,363 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8469% | 3,996 |
| 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 | 72.0200% | 1,427 |
| Net loans and leases to deposits | 85.1130% | 1,419 |
| Net loans and leases to core deposits | 119.2516% | 455 |
| Total domestic deposits to total assets | 84.6100% | 2,951 |
| Equity capital to assets | 7.9372% | 3,281 |
| Core capital (leverage) ratio | 9.0549% | 3,689 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7431% | 2,803 |
| Memoranda: | ||
| Average total assets | $121,704,000 | 3,704 |
| Average earning assets | $111,450,500 | 3,704 |
| Average equity | $9,635,000 | 3,826 |
| Average total loans | $86,491,500 | 3,379 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1882% | 1,271 |
| Cost of funding earning assets | 0.6546% | 705 |
| Net interest margin | 3.5336% | 1,827 |
| Noninterest income to average assets | 0.2500% | 3,641 |
| Noninterest expense to average assets | 3.5096% | 488 |
| Loan and lease loss provision to assets | 0.4100% | 166 |
| Net operating income to assets | -0.4289% | 4,638 |
| Return on assets (ROA) | -0.4020% | 4,629 |
| Pretax return on assets | -0.4020% | 4,618 |
| Return on Equity (ROE) | -4.4600% | 4,620 |
| Retained earnings to average equity (ytd only) | -4.4647% | 4,562 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 100.4843% | 144 |
| Assets per employee ($millions) | 5.4701% | 3,249 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0036% | 3,357 |
| 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 | 68.7700% | 1,762 |
| Net loans and leases to deposits | 81.2181% | 1,681 |
| Net loans and leases to core deposits | 115.8119% | 447 |
| Total domestic deposits to total assets | 84.6700% | 3,067 |
| Equity capital to assets | 7.8958% | 3,123 |
| Core capital (leverage) ratio | 9.7951% | 2,845 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9503% | 2,750 |
| Memoranda: | ||
| Average total assets | $100,495,800 | 3,925 |
| Average earning assets | $92,115,000 | 3,916 |
| Average equity | $9,048,800 | 3,990 |
| Average total loans | $61,019,000 | 3,708 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9004% | 1,482 |
| Cost of funding earning assets | 0.5022% | 749 |
| Net interest margin | 3.3982% | 1,985 |
| Noninterest income to average assets | 0.2900% | 3,445 |
| Noninterest expense to average assets | 3.5812% | 456 |
| Loan and lease loss provision to assets | 0.4500% | 119 |
| Net operating income to assets | -0.6252% | 4,690 |
| Return on assets (ROA) | -0.5876% | 4,673 |
| Pretax return on assets | -0.5876% | 4,668 |
| Return on Equity (ROE) | -6.2800% | 4,674 |
| Retained earnings to average equity (ytd only) | -6.2819% | 4,630 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 105.1209% | 120 |
| Assets per employee ($millions) | 6.1023% | 2,671 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0109% | 3,417 |
| 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 | 60.0200% | 2,502 |
| Net loans and leases to deposits | 67.4069% | 2,589 |
| Net loans and leases to core deposits | 84.1021% | 1,645 |
| Total domestic deposits to total assets | 89.0400% | 2,075 |
| Equity capital to assets | 7.6889% | 3,096 |
| Core capital (leverage) ratio | 10.1591% | 2,390 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1805% | 2,396 |
| Memoranda: | ||
| Average total assets | $95,534,250 | 3,991 |
| Average earning assets | $87,612,500 | 3,979 |
| Average equity | $8,935,500 | 4,041 |
| Average total loans | $55,374,500 | 3,827 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7134% | 1,507 |
| Cost of funding earning assets | 0.4168% | 827 |
| Net interest margin | 3.2966% | 1,919 |
| Noninterest income to average assets | 0.2884% | 3,448 |
| Noninterest expense to average assets | 3.8686% | 308 |
| Loan and lease loss provision to assets | 0.5698% | 92 |
| Net operating income to assets | -1.1396% | 4,719 |
| Return on assets (ROA) | -1.0773% | 4,712 |
| Pretax return on assets | -1.0773% | 4,705 |
| Return on Equity (ROE) | -10.6305% | 4,727 |
| Retained earnings to average equity (ytd only) | -10.6305% | 4,671 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 117.2727% | 87 |
| Assets per employee ($millions) | 5.4646% | 3,265 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0392% | 3,425 |
| 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 | 61.7271% | 2,150 |
| Net loans and leases to deposits | 70.5480% | 2,150 |
| Net loans and leases to core deposits | 92.4073% | 997 |
| Total domestic deposits to total assets | 87.4966% | 2,766 |
| Equity capital to assets | 8.6547% | 2,649 |
| Core capital (leverage) ratio | 10.6642% | 1,816 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8557% | 2,120 |
| Memoranda: | ||
| Average total assets | $86,697,000 | 4,121 |
| Average earning assets | $79,171,667 | 4,127 |
| Average equity | $8,786,000 | 4,124 |
| Average total loans | $49,167,667 | 3,972 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3269% | 2,305 |
| Cost of funding earning assets | 0.3647% | 1,096 |
| Net interest margin | 2.9622% | 2,631 |
| Noninterest income to average assets | 0.3481% | 3,010 |
| Noninterest expense to average assets | 4.2492% | 234 |
| Loan and lease loss provision to assets | 0.3635% | 157 |
| Net operating income to assets | -1.5615% | 4,754 |
| Return on assets (ROA) | -1.4232% | 4,750 |
| Pretax return on assets | -1.4232% | 4,748 |
| Return on Equity (ROE) | -12.8022% | 4,757 |
| Retained earnings to average equity (ytd only) | -12.8022% | 4,609 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 139.2617% | 55 |
| Assets per employee ($millions) | 4.6215% | 4,061 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0244% | 3,612 |
| 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 | 54.5770% | 2,680 |
| Net loans and leases to deposits | 63.5761% | 2,566 |
| Net loans and leases to core deposits | 81.4892% | 1,382 |
| Total domestic deposits to total assets | 85.8453% | 3,310 |
| Equity capital to assets | 9.6415% | 2,180 |
| Core capital (leverage) ratio | 11.4256% | 1,295 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9639% | 1,524 |
| Memoranda: | ||
| Average total assets | $78,131,500 | 4,242 |
| Average earning assets | $71,298,500 | 4,255 |
| Average equity | $8,686,000 | 4,184 |
| Average total loans | $41,370,000 | 4,137 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2832% | 3,261 |
| Cost of funding earning assets | 0.3610% | 1,848 |
| Net interest margin | 2.9221% | 3,393 |
| Noninterest income to average assets | 0.4832% | 2,664 |
| Noninterest expense to average assets | 5.7050% | 136 |
| Loan and lease loss provision to assets | 0.4516% | 135 |
| Net operating income to assets | -2.9510% | 4,824 |
| Return on assets (ROA) | -2.9528% | 4,824 |
| Pretax return on assets | -2.9528% | 4,820 |
| Return on Equity (ROE) | -16.9808% | 4,822 |
| Retained earnings to average equity (ytd only) | -16.9808% | 4,805 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 177.9710% | 24 |
| Assets per employee ($millions) | 3.6029% | 4,566 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2383% | 2,685 |
| 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 | 49.5157% | 3,346 |
| Net loans and leases to deposits | 57.1708% | 3,324 |
| Net loans and leases to core deposits | 76.0324% | 1,918 |
| Total domestic deposits to total assets | 86.6102% | 2,663 |
| Equity capital to assets | 13.0100% | 894 |
| Core capital (leverage) ratio | 12.9939% | 796 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.8687% | 567 |
| Memoranda: | ||
| Average total assets | $53,812,600 | 4,523 |
| Average earning assets | $50,134,400 | 4,506 |
| Average equity | $9,357,600 | 4,206 |
| Average total loans | $24,402,400 | 4,489 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2242% | 3,559 |
| Cost of funding earning assets | 0.3535% | 2,083 |
| Net interest margin | 2.8707% | 3,616 |
| Noninterest income to average assets | 0.5078% | 2,590 |
| Noninterest expense to average assets | 5.8913% | 126 |
| Loan and lease loss provision to assets | 0.5204% | 102 |
| Net operating income to assets | -3.2274% | 4,897 |
| Return on assets (ROA) | -3.2301% | 4,897 |
| Pretax return on assets | -3.2301% | 4,895 |
| Return on Equity (ROE) | -17.1053% | 4,896 |
| Retained earnings to average equity (ytd only) | -17.1053% | 4,874 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 184.9750% | 24 |
| Assets per employee ($millions) | 3.9684% | 4,469 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2395% | 2,796 |
| 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 | 44.6422% | 3,900 |
| Net loans and leases to deposits | 52.0272% | 3,882 |
| Net loans and leases to core deposits | 67.9367% | 2,781 |
| Total domestic deposits to total assets | 85.8056% | 2,821 |
| Equity capital to assets | 13.7913% | 786 |
| Core capital (leverage) ratio | 14.9228% | 502 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.4503% | 402 |
| Memoranda: | ||
| Average total assets | $50,152,000 | 4,622 |
| Average earning assets | $46,769,750 | 4,606 |
| Average equity | $9,470,500 | 4,256 |
| Average total loans | $21,922,750 | 4,597 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2124% | 3,655 |
| Cost of funding earning assets | 0.3478% | 2,333 |
| Net interest margin | 2.8646% | 3,647 |
| Noninterest income to average assets | 0.4101% | 3,057 |
| Noninterest expense to average assets | 6.5162% | 110 |
| Loan and lease loss provision to assets | 0.4912% | 111 |
| Net operating income to assets | -3.9250% | 4,936 |
| Return on assets (ROA) | -3.9296% | 4,936 |
| Pretax return on assets | -3.9296% | 4,935 |
| Return on Equity (ROE) | -18.3078% | 4,930 |
| Retained earnings to average equity (ytd only) | -18.3078% | 4,910 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 211.4035% | 19 |
| Assets per employee ($millions) | 3.5611% | 4,644 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1996% | 2,942 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 42.0661% | 4,173 |
| Net loans and leases to deposits | 50.8163% | 4,059 |
| Net loans and leases to core deposits | 63.9983% | 3,286 |
| Total domestic deposits to total assets | 82.7808% | 3,753 |
| Equity capital to assets | 16.7840% | 341 |
| Core capital (leverage) ratio | 18.7029% | 230 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 34.6792% | 182 |
| Memoranda: | ||
| Average total assets | $44,381,667 | 4,716 |
| Average earning assets | $41,402,333 | 4,696 |
| Average equity | $9,526,000 | 4,258 |
| Average total loans | $19,065,333 | 4,683 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6305% | 2,544 |
| Cost of funding earning assets | 0.3341% | 2,669 |
| Net interest margin | 3.2964% | 2,405 |
| Noninterest income to average assets | 0.4411% | 2,866 |
| Noninterest expense to average assets | 7.8248% | 95 |
| Loan and lease loss provision to assets | 0.3886% | 205 |
| Net operating income to assets | -4.6634% | 4,967 |
| Return on assets (ROA) | -4.6529% | 4,967 |
| Pretax return on assets | -4.6529% | 4,966 |
| Return on Equity (ROE) | -18.6379% | 4,958 |
| Retained earnings to average equity (ytd only) | -18.6379% | 4,907 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 220.4142% | 17 |
| Assets per employee ($millions) | 2.9910% | 4,821 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1905% | 2,982 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 40.5126% | 4,316 |
| Net loans and leases to deposits | 51.3838% | 4,076 |
| Net loans and leases to core deposits | 63.5480% | 3,454 |
| Total domestic deposits to total assets | 78.8432% | 4,348 |
| Equity capital to assets | 20.8136% | 158 |
| Core capital (leverage) ratio | 25.4672% | 85 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 49.6460% | 87 |
| Memoranda: | ||
| Average total assets | $38,084,000 | 4,804 |
| Average earning assets | $35,918,000 | 4,777 |
| Average equity | $9,507,500 | 4,273 |
| Average total loans | $16,468,500 | 4,754 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4847% | 4,948 |
| Cost of funding earning assets | 0.1639% | 4,691 |
| Net interest margin | 1.3208% | 4,932 |
| Noninterest income to average assets | 0.2654% | 3,891 |
| Noninterest expense to average assets | 8.3721% | 91 |
| Loan and lease loss provision to assets | 0.7790% | 166 |
| Net operating income to assets | -7.6787% | 4,997 |
| Return on assets (ROA) | -7.6787% | 4,997 |
| Pretax return on assets | -7.6787% | 4,997 |
| Return on Equity (ROE) | -17.5173% | 4,969 |
| Retained earnings to average equity (ytd only) | -17.5173% | 4,953 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 568.6047% | 5 |
| Assets per employee ($millions) | 2.0869% | 4,919 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2515% | 2,674 |
| 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 | 45.8742% | 4,131 |
| Net loans and leases to deposits | 66.8591% | 3,199 |
| Net loans and leases to core deposits | 90.0313% | 1,522 |
| Total domestic deposits to total assets | 68.6132% | 4,800 |
| Equity capital to assets | 30.9140% | 61 |
| Core capital (leverage) ratio | 32.9688% | 53 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 60.4241% | 51 |
| Memoranda: | ||
| Average total assets | $23,363,333 | 4,934 |
| Average earning assets | $21,351,000 | 4,916 |
| Average equity | $10,241,333 | 4,172 |
| Average total loans | $8,777,333 | 4,905 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.0630% | 5,015 |
| Cost of funding earning assets | 0.0918% | 4,936 |
| Net interest margin | 0.9712% | 5,007 |
| Noninterest income to average assets | 0.1650% | 4,475 |
| Noninterest expense to average assets | 8.3875% | 94 |
| Loan and lease loss provision to assets | 0.7631% | 256 |
| Net operating income to assets | -8.1125% | 5,028 |
| Return on assets (ROA) | -8.1125% | 5,028 |
| Pretax return on assets | -8.1125% | 5,027 |
| Return on Equity (ROE) | -14.9503% | 4,992 |
| Retained earnings to average equity (ytd only) | -14.9503% | 4,970 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 807.9470% | 4 |
| Assets per employee ($millions) | 1.6001% | 4,980 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2542% | 2,379 |
| 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 | 36.4110% | 4,665 |
| Net loans and leases to deposits | 64.2101% | 3,780 |
| Net loans and leases to core deposits | 88.4335% | 2,111 |
| Total domestic deposits to total assets | 56.7060% | 4,948 |
| Equity capital to assets | 42.5732% | 38 |
| Core capital (leverage) ratio | 49.6504% | 33 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 96.2118% | 35 |
| Memoranda: | ||
| Average total assets | $19,393,500 | 4,987 |
| Average earning assets | $17,434,500 | 4,977 |
| Average equity | $10,523,500 | 4,151 |
| Average total loans | $5,895,000 | 4,976 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.3111% | 5,061 |
| Cost of funding earning assets | 0.0156% | 5,044 |
| Net interest margin | 0.2955% | 5,060 |
| Noninterest income to average assets | 0.0000% | 5,011 |
| Noninterest expense to average assets | 7.4800% | 99 |
| Loan and lease loss provision to assets | 0.4869% | 750 |
| Net operating income to assets | -7.7100% | 5,055 |
| Return on assets (ROA) | -7.7100% | 5,054 |
| Pretax return on assets | -7.7100% | 5,054 |
| Return on Equity (ROE) | -10.5273% | 4,991 |
| Retained earnings to average equity (ytd only) | -10.5273% | 4,928 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 2,910.5263% | 2 |
| Assets per employee ($millions) | 1.0561% | 5,023 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2245% | 2,387 |
| 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 | 19.6402% | 4,962 |
| Net loans and leases to deposits | 75.8819% | 2,884 |
| Net loans and leases to core deposits | 75.8819% | 3,290 |
| Total domestic deposits to total assets | 25.8826% | 5,039 |
| Equity capital to assets | 73.2382% | 23 |
| Core capital (leverage) ratio | 93.4994% | 11 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $14,786,000 | 5,046 |
| Average earning assets | $12,858,000 | 5,039 |
| Average equity | $10,829,000 | 4,112 |
| Average total loans | $2,940,000 | 5,031 |