Home > Gulf Capital Bank > Performance and Condition Ratios
Gulf 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 | 5.9228% | 700 |
| Cost of funding earning assets | 3.3121% | 97 |
| Net interest margin | 2.6107% | 3,948 |
| Noninterest income to average assets | 0.1600% | 3,995 |
| Noninterest expense to average assets | 2.2691% | 2,925 |
| Loan and lease loss provision to assets | 1.0000% | 70 |
| Net operating income to assets | -0.5572% | 4,512 |
| Return on assets (ROA) | -0.6131% | 4,500 |
| Pretax return on assets | -0.6418% | 4,491 |
| Return on Equity (ROE) | -4.4700% | 4,463 |
| Retained earnings to average equity (ytd only) | -4.4667% | 4,378 |
| Net charge-offs to loans | 4.3485% | 23 |
| Credit loss provision to net charge-offs | 49.8271% | 2,192 |
| Earnings coverage of net charge-offs (x) | 0.2088% | 2,818 |
| Efficiency ratio | 84.3525% | 645 |
| Assets per employee ($millions) | 12.6951% | 352 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4743% | 1,125 |
| Loan loss allowance to noncurrent loans | 24.7158% | 3,755 |
| Noncurrent assets plus other real estate owned to assets | 2.2593% | 110 |
| Noncurrent loans to loans | 5.9651% | 31 |
| Net loans and leases to total assets | 37.3200% | 4,116 |
| Net loans and leases to deposits | 52.5581% | 3,856 |
| Net loans and leases to core deposits | 76.5010% | 2,943 |
| Total domestic deposits to total assets | 71.0000% | 4,259 |
| Equity capital to assets | 12.5379% | 982 |
| Core capital (leverage) ratio | 14.3895% | 725 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.7892% | 554 |
| Memoranda: | ||
| Average total assets | $530,730,000 | 1,664 |
| Average earning assets | $514,077,800 | 1,593 |
| Average equity | $72,849,800 | 1,210 |
| Average total loans | $246,041,400 | 2,023 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 24,621.0000% | 26 |
| Cost of funding earning assets | 4,877.0000% | 2 |
| Net interest margin | 0.0000% | 4,578 |
| Noninterest income to average assets | 0.0000% | 4,562 |
| Noninterest expense to average assets | NA | NA |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.0000% | 4,375 |
| Return on assets (ROA) | -0.5934% | 4,533 |
| Pretax return on assets | -0.6205% | 4,523 |
| Return on Equity (ROE) | -4.2200% | 4,492 |
| Retained earnings to average equity (ytd only) | NA | NA |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 3.0000% | 2,048 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 13.0395% | 4,572 |
| Assets per employee ($millions) | 0.3035% | 4,568 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | 0.0989% | 3,830 |
| 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 | 0.0000% | 4,500 |
| Net loans and leases to deposits | NA | NA |
| Net loans and leases to core deposits | 0.0000% | 4,490 |
| Total domestic deposits to total assets | 2.0000% | 4,557 |
| Equity capital to assets | 7,698.0000% | 26 |
| Core capital (leverage) ratio | NA | NA |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $-3,519,000 | 4,640 |
| Average earning assets | $2,274 | 4,613 |
| Average equity | $1,655 | 4,562 |
| Average total loans | $0 | 4,502 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9172% | 491 |
| Cost of funding earning assets | 2.9695% | 90 |
| Net interest margin | 2.9477% | 3,566 |
| Noninterest income to average assets | 0.1900% | 3,834 |
| Noninterest expense to average assets | 2.3071% | 2,785 |
| Loan and lease loss provision to assets | 0.0900% | 1,256 |
| Net operating income to assets | 0.6238% | 3,523 |
| Return on assets (ROA) | 0.5089% | 3,799 |
| Pretax return on assets | 0.5343% | 3,906 |
| Return on Equity (ROE) | 3.4800% | 4,098 |
| Retained earnings to average equity (ytd only) | 3.4827% | 3,358 |
| Net charge-offs to loans | 0.0159% | 1,606 |
| Credit loss provision to net charge-offs | 1,145.0000% | 376 |
| Earnings coverage of net charge-offs (x) | 95.1500% | 965 |
| Efficiency ratio | 75.5932% | 1,212 |
| Assets per employee ($millions) | 11.4208% | 450 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5493% | 87 |
| Loan loss allowance to noncurrent loans | 73.6500% | 3,479 |
| Noncurrent assets plus other real estate owned to assets | 2.3349% | 108 |
| Noncurrent loans to loans | 4.8192% | 55 |
| Net loans and leases to total assets | 46.7300% | 3,756 |
| Net loans and leases to deposits | 62.4955% | 3,277 |
| Net loans and leases to core deposits | 91.6993% | 1,702 |
| Total domestic deposits to total assets | 74.7700% | 4,142 |
| Equity capital to assets | 14.3973% | 591 |
| Core capital (leverage) ratio | 16.1065% | 464 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.6134% | 513 |
| Memoranda: | ||
| Average total assets | $510,948,333 | 1,699 |
| Average earning assets | $495,640,000 | 1,646 |
| Average equity | $74,655,333 | 1,176 |
| Average total loans | $251,993,333 | 1,995 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8165% | 407 |
| Cost of funding earning assets | 2.6368% | 77 |
| Net interest margin | 3.1797% | 3,162 |
| Noninterest income to average assets | 0.2200% | 3,644 |
| Noninterest expense to average assets | 2.2612% | 2,927 |
| Loan and lease loss provision to assets | 0.1800% | 597 |
| Net operating income to assets | 0.8146% | 3,150 |
| Return on assets (ROA) | 0.5865% | 3,685 |
| Pretax return on assets | 0.6226% | 3,806 |
| Return on Equity (ROE) | 3.9800% | 4,038 |
| Retained earnings to average equity (ytd only) | 3.9847% | 3,273 |
| Net charge-offs to loans | 0.0316% | 1,082 |
| Credit loss provision to net charge-offs | 1,145.0000% | 331 |
| Earnings coverage of net charge-offs (x) | 66.5500% | 968 |
| Efficiency ratio | 68.3923% | 1,934 |
| Assets per employee ($millions) | 11.8202% | 416 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3901% | 99 |
| Loan loss allowance to noncurrent loans | 73.6500% | 3,543 |
| Noncurrent assets plus other real estate owned to assets | 2.2560% | 95 |
| Noncurrent loans to loans | 4.6030% | 70 |
| Net loans and leases to total assets | 47.3500% | 3,680 |
| Net loans and leases to deposits | 65.1731% | 2,998 |
| Net loans and leases to core deposits | 96.3431% | 1,261 |
| Total domestic deposits to total assets | 72.6500% | 4,336 |
| Equity capital to assets | 14.2306% | 566 |
| Core capital (leverage) ratio | 16.3937% | 433 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.8934% | 507 |
| Memoranda: | ||
| Average total assets | $509,455,000 | 1,724 |
| Average earning assets | $495,143,500 | 1,668 |
| Average equity | $74,986,500 | 1,183 |
| Average total loans | $253,488,000 | 2,005 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0799% | 1,518 |
| Cost of funding earning assets | 0.7469% | 477 |
| Net interest margin | 3.3330% | 2,476 |
| Noninterest income to average assets | 0.3200% | 3,192 |
| Noninterest expense to average assets | 2.7006% | 1,555 |
| Loan and lease loss provision to assets | 0.1800% | 616 |
| Net operating income to assets | 0.6659% | 3,718 |
| Return on assets (ROA) | 0.6771% | 3,631 |
| Pretax return on assets | 0.7092% | 3,828 |
| Return on Equity (ROE) | 3.2200% | 4,273 |
| Retained earnings to average equity (ytd only) | 3.2218% | 3,660 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 75.3794% | 1,079 |
| Assets per employee ($millions) | 11.7456% | 422 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2588% | 2,104 |
| 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 | 49.2900% | 3,562 |
| Net loans and leases to deposits | 59.5826% | 3,354 |
| Net loans and leases to core deposits | 67.5448% | 3,037 |
| Total domestic deposits to total assets | 82.7300% | 3,482 |
| Equity capital to assets | 16.3374% | 364 |
| Core capital (leverage) ratio | 19.7298% | 264 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.1250% | 411 |
| Memoranda: | ||
| Average total assets | $389,881,600 | 2,060 |
| Average earning assets | $381,182,800 | 1,983 |
| Average equity | $81,940,600 | 1,105 |
| Average total loans | $217,825,400 | 2,119 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6060% | 2,328 |
| Cost of funding earning assets | 0.3995% | 1,293 |
| Net interest margin | 3.2066% | 2,605 |
| Noninterest income to average assets | 0.3600% | 2,976 |
| Noninterest expense to average assets | 2.8492% | 1,144 |
| Loan and lease loss provision to assets | 0.1500% | 657 |
| Net operating income to assets | 0.4946% | 4,088 |
| Return on assets (ROA) | 0.5113% | 3,997 |
| Pretax return on assets | 0.5186% | 4,118 |
| Return on Equity (ROE) | 2.2600% | 4,381 |
| Retained earnings to average equity (ytd only) | 2.2622% | 3,966 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 81.2938% | 698 |
| Assets per employee ($millions) | 10.9576% | 499 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2566% | 2,230 |
| 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 | 47.8100% | 3,645 |
| Net loans and leases to deposits | 67.4420% | 2,583 |
| Net loans and leases to core deposits | 72.3772% | 2,457 |
| Total domestic deposits to total assets | 70.8900% | 4,524 |
| Equity capital to assets | 17.1236% | 316 |
| Core capital (leverage) ratio | 22.0691% | 197 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.3312% | 208 |
| Memoranda: | ||
| Average total assets | $364,022,750 | 2,173 |
| Average earning assets | $356,469,500 | 2,098 |
| Average equity | $82,277,000 | 1,119 |
| Average total loans | $210,713,250 | 2,163 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3050% | 2,723 |
| Cost of funding earning assets | 0.1832% | 3,139 |
| Net interest margin | 3.1218% | 2,470 |
| Noninterest income to average assets | 0.4440% | 2,487 |
| Noninterest expense to average assets | 3.1215% | 710 |
| Loan and lease loss provision to assets | 0.0886% | 1,112 |
| Net operating income to assets | 0.2886% | 4,310 |
| Return on assets (ROA) | 0.2886% | 4,259 |
| Pretax return on assets | 0.2940% | 4,306 |
| Return on Equity (ROE) | 1.1482% | 4,447 |
| Retained earnings to average equity (ytd only) | 1.1482% | 3,959 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.0818% | 451 |
| Assets per employee ($millions) | 9.3112% | 802 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2488% | 2,429 |
| 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 | 55.0485% | 2,854 |
| Net loans and leases to deposits | 70.9724% | 2,114 |
| Net loans and leases to core deposits | 77.4978% | 1,892 |
| Total domestic deposits to total assets | 77.5632% | 4,375 |
| Equity capital to assets | 22.2578% | 127 |
| Core capital (leverage) ratio | 25.6394% | 98 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.2808% | 201 |
| Memoranda: | ||
| Average total assets | $331,957,667 | 2,316 |
| Average earning assets | $325,386,667 | 2,250 |
| Average equity | $83,434,000 | 1,117 |
| Average total loans | $206,674,000 | 2,186 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1475% | 2,835 |
| Cost of funding earning assets | 0.1220% | 3,875 |
| Net interest margin | 3.0255% | 2,421 |
| Noninterest income to average assets | 0.6183% | 1,613 |
| Noninterest expense to average assets | 3.2557% | 562 |
| Loan and lease loss provision to assets | 0.0936% | 879 |
| Net operating income to assets | 0.2478% | 4,244 |
| Return on assets (ROA) | 0.2478% | 4,221 |
| Pretax return on assets | 0.2478% | 4,271 |
| Return on Equity (ROE) | 0.9252% | 4,436 |
| Retained earnings to average equity (ytd only) | 0.9252% | 3,839 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.5097% | 523 |
| Assets per employee ($millions) | 8.2109% | 1,251 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2090% | 2,811 |
| 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 | 64.2942% | 1,589 |
| Net loans and leases to deposits | 87.9983% | 621 |
| Net loans and leases to core deposits | 100.4240% | 495 |
| Total domestic deposits to total assets | 73.0631% | 4,597 |
| Equity capital to assets | 26.7972% | 74 |
| Core capital (leverage) ratio | 27.4514% | 74 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 40.3875% | 113 |
| Memoranda: | ||
| Average total assets | $316,368,500 | 2,412 |
| Average earning assets | $311,484,500 | 2,329 |
| Average equity | $84,738,000 | 1,140 |
| Average total loans | $208,796,500 | 2,176 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1737% | 3,529 |
| Cost of funding earning assets | 0.1367% | 4,097 |
| Net interest margin | 3.0370% | 3,083 |
| Noninterest income to average assets | 0.1956% | 4,189 |
| Noninterest expense to average assets | 3.3013% | 629 |
| Loan and lease loss provision to assets | 0.5087% | 112 |
| Net operating income to assets | -0.6310% | 4,773 |
| Return on assets (ROA) | -0.6307% | 4,776 |
| Pretax return on assets | -0.6307% | 4,773 |
| Return on Equity (ROE) | -2.0853% | 4,735 |
| Retained earnings to average equity (ytd only) | -2.0853% | 4,628 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.8487% | 121 |
| Assets per employee ($millions) | 8.9090% | 949 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1094% | 3,320 |
| 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 | 66.1477% | 1,454 |
| Net loans and leases to deposits | 90.5757% | 544 |
| Net loans and leases to core deposits | 100.5341% | 517 |
| Total domestic deposits to total assets | 73.0303% | 4,617 |
| Equity capital to assets | 26.7723% | 79 |
| Core capital (leverage) ratio | 25.8775% | 88 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 37.7171% | 139 |
| Memoranda: | ||
| Average total assets | $285,253,200 | 2,504 |
| Average earning assets | $280,208,000 | 2,440 |
| Average equity | $86,271,000 | 1,137 |
| Average total loans | $182,613,400 | 2,367 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9804% | 4,043 |
| Cost of funding earning assets | 0.1357% | 4,223 |
| Net interest margin | 2.8446% | 3,670 |
| Noninterest income to average assets | 0.1360% | 4,519 |
| Noninterest expense to average assets | 3.3633% | 562 |
| Loan and lease loss provision to assets | 0.4892% | 111 |
| Net operating income to assets | -0.9262% | 4,858 |
| Return on assets (ROA) | -0.9257% | 4,862 |
| Pretax return on assets | -0.9257% | 4,858 |
| Return on Equity (ROE) | -2.9623% | 4,822 |
| Retained earnings to average equity (ytd only) | -2.9623% | 4,746 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 114.9357% | 87 |
| Assets per employee ($millions) | 9.7173% | 707 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9861% | 3,895 |
| 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 | 60.8744% | 2,147 |
| Net loans and leases to deposits | 83.3387% | 1,007 |
| Net loans and leases to core deposits | 92.4980% | 903 |
| Total domestic deposits to total assets | 73.0446% | 4,667 |
| Equity capital to assets | 26.7178% | 83 |
| Core capital (leverage) ratio | 26.7977% | 81 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 59.8207% | 56 |
| Memoranda: | ||
| Average total assets | $276,385,750 | 2,581 |
| Average earning assets | $271,101,250 | 2,500 |
| Average equity | $86,372,500 | 1,156 |
| Average total loans | $174,634,000 | 2,466 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8025% | 4,335 |
| Cost of funding earning assets | 0.1303% | 4,349 |
| Net interest margin | 2.6722% | 4,036 |
| Noninterest income to average assets | 0.2309% | 4,018 |
| Noninterest expense to average assets | 3.7260% | 357 |
| Loan and lease loss provision to assets | 0.3455% | 219 |
| Net operating income to assets | -1.2224% | 4,905 |
| Return on assets (ROA) | -1.2216% | 4,905 |
| Pretax return on assets | -1.2216% | 4,903 |
| Return on Equity (ROE) | -3.6903% | 4,864 |
| Retained earnings to average equity (ytd only) | -3.6903% | 4,745 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 130.7754% | 55 |
| Assets per employee ($millions) | 9.3777% | 747 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7735% | 4,406 |
| Loan loss allowance to noncurrent loans | 129.8872% | 3,057 |
| Noncurrent assets plus other real estate owned to assets | 0.3337% | 2,263 |
| Noncurrent loans to loans | 0.5955% | 1,917 |
| Net loans and leases to total assets | 55.6040% | 2,951 |
| Net loans and leases to deposits | 76.3528% | 1,786 |
| Net loans and leases to core deposits | 84.8232% | 1,504 |
| Total domestic deposits to total assets | 72.8251% | 4,695 |
| Equity capital to assets | 26.9485% | 80 |
| Core capital (leverage) ratio | 31.6423% | 58 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 59.9417% | 60 |
| Memoranda: | ||
| Average total assets | $261,624,333 | 2,670 |
| Average earning assets | $256,338,667 | 2,583 |
| Average equity | $86,604,667 | 1,145 |
| Average total loans | $167,128,667 | 2,534 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8173% | 4,361 |
| Cost of funding earning assets | 0.1228% | 4,508 |
| Net interest margin | 2.6945% | 3,983 |
| Noninterest income to average assets | 0.3502% | 3,344 |
| Noninterest expense to average assets | 3.5998% | 411 |
| Loan and lease loss provision to assets | 0.1957% | 623 |
| Net operating income to assets | -0.8085% | 4,919 |
| Return on assets (ROA) | -0.8068% | 4,918 |
| Pretax return on assets | -0.8068% | 4,917 |
| Return on Equity (ROE) | -2.1623% | 4,861 |
| Retained earnings to average equity (ytd only) | -2.1623% | 4,545 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 120.5172% | 74 |
| Assets per employee ($millions) | 7.4956% | 1,455 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5814% | 4,704 |
| 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 | 68.0538% | 1,525 |
| Net loans and leases to deposits | 102.0404% | 242 |
| Net loans and leases to core deposits | 113.4966% | 334 |
| Total domestic deposits to total assets | 66.6930% | 4,826 |
| Equity capital to assets | 33.1260% | 51 |
| Core capital (leverage) ratio | 34.9908% | 50 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 81.5320% | 36 |
| Memoranda: | ||
| Average total assets | $233,015,500 | 2,842 |
| Average earning assets | $228,021,000 | 2,762 |
| Average equity | $86,945,500 | 1,130 |
| Average total loans | $161,357,500 | 2,586 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5183% | 4,840 |
| Cost of funding earning assets | 0.0401% | 4,950 |
| Net interest margin | 2.4782% | 4,610 |
| Noninterest income to average assets | 0.0124% | 4,934 |
| Noninterest expense to average assets | 5.3054% | 170 |
| Loan and lease loss provision to assets | 0.8266% | 145 |
| Net operating income to assets | -3.7055% | 4,981 |
| Return on assets (ROA) | -3.7055% | 4,982 |
| Pretax return on assets | -3.7055% | 4,982 |
| Return on Equity (ROE) | -6.1168% | 4,908 |
| Retained earnings to average equity (ytd only) | -6.1168% | 4,857 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 218.6447% | 16 |
| Assets per employee ($millions) | 5.9907% | 2,342 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6497% | 4,661 |
| 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 | 69.8160% | 1,587 |
| Net loans and leases to deposits | 133.1261% | 39 |
| Net loans and leases to core deposits | 135.9958% | 151 |
| Total domestic deposits to total assets | 52.4435% | 4,940 |
| Equity capital to assets | 42.7063% | 39 |
| Core capital (leverage) ratio | 52.5824% | 30 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 105.6949% | 28 |
| Memoranda: | ||
| Average total assets | $112,508,800 | 3,847 |
| Average earning assets | $109,595,600 | 3,774 |
| Average equity | $68,156,000 | 1,321 |
| Average total loans | $66,007,200 | 3,811 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4510% | 4,997 |
| Cost of funding earning assets | 0.0275% | 5,003 |
| Net interest margin | 1.4235% | 4,971 |
| Noninterest income to average assets | 0.0030% | 4,984 |
| Noninterest expense to average assets | 5.0574% | 184 |
| Loan and lease loss provision to assets | 0.3299% | 1,179 |
| Net operating income to assets | -4.0007% | 5,011 |
| Return on assets (ROA) | -4.0007% | 5,011 |
| Pretax return on assets | -4.0007% | 5,012 |
| Return on Equity (ROE) | -5.6569% | 4,922 |
| Retained earnings to average equity (ytd only) | -5.6569% | 4,857 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 364.7374% | 9 |
| Assets per employee ($millions) | 4.5391% | 3,797 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2176% | 4,956 |
| 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 | 70.1009% | 1,936 |
| Net loans and leases to deposits | 183.1316% | 11 |
| Net loans and leases to core deposits | 189.9718% | 44 |
| Total domestic deposits to total assets | 38.2790% | 4,996 |
| Equity capital to assets | 60.8604% | 29 |
| Core capital (leverage) ratio | 62.6069% | 27 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 819.2560% | 2 |
| Memoranda: | ||
| Average total assets | $89,715,000 | 4,127 |
| Average earning assets | $87,203,000 | 4,065 |
| Average equity | $63,448,500 | 1,379 |
| Average total loans | $46,725,500 | 4,191 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2803% | 51 |
| Cost of funding earning assets | 0.0116% | 5,048 |
| Net interest margin | 7.2687% | 28 |
| Noninterest income to average assets | 0.0000% | 5,011 |
| Noninterest expense to average assets | 7.8227% | 93 |
| Loan and lease loss provision to assets | 0.0646% | 3,485 |
| Net operating income to assets | -0.8567% | 4,954 |
| Return on assets (ROA) | -0.8567% | 4,950 |
| Pretax return on assets | -0.8567% | 4,939 |
| Return on Equity (ROE) | -1.1065% | 4,849 |
| Retained earnings to average equity (ytd only) | -1.1065% | 4,490 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 111.2665% | 111 |
| Assets per employee ($millions) | 5.2095% | 2,922 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0271% | 5,016 |
| 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 | 62.6331% | 3,055 |
| Net loans and leases to deposits | 194.8908% | 11 |
| Net loans and leases to core deposits | 204.2814% | 38 |
| Total domestic deposits to total assets | 32.1375% | 5,031 |
| Equity capital to assets | 66.9809% | 28 |
| Core capital (leverage) ratio | 63.8723% | 29 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 911.3789% | 1 |
| Memoranda: | ||
| Average total assets | $71,202,667 | 4,384 |
| Average earning assets | $68,870,333 | 4,333 |
| Average equity | $55,131,000 | 1,521 |
| Average total loans | $28,285,667 | 4,593 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2927% | 5,110 |
| Cost of funding earning assets | 0.0000% | 5,101 |
| Net interest margin | 1.2927% | 5,090 |
| Noninterest income to average assets | 0.0000% | 5,056 |
| Noninterest expense to average assets | 13.2955% | 58 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | -12.0672% | 5,111 |
| Return on assets (ROA) | -12.0672% | 5,110 |
| Pretax return on assets | -12.0672% | 5,110 |
| Return on Equity (ROE) | -12.6316% | 5,022 |
| Retained earnings to average equity (ytd only) | -12.6316% | 4,842 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 1,082.5000% | 3 |
| Assets per employee ($millions) | 2.3636% | 4,985 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| 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% | 4,662 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,086 |
| Net loans and leases to deposits | 0.0000% | 5,086 |
| Net loans and leases to core deposits | 0.0000% | 5,074 |
| Total domestic deposits to total assets | 8.2626% | 5,098 |
| Equity capital to assets | 91.4761% | 15 |
| Core capital (leverage) ratio | 96.3687% | 9 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 395.9922% | 7 |
| Memoranda: | ||
| Average total assets | $39,081,000 | 4,868 |
| Average earning assets | $37,131,000 | 4,829 |
| Average equity | $37,335,000 | 2,103 |
| Average total loans | NA | NA |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.2563% | 5,175 |
| Cost of funding earning assets | 0.0000% | 5,167 |
| Net interest margin | 0.2563% | 5,172 |
| Noninterest income to average assets | 0.0000% | 5,130 |
| Noninterest expense to average assets | 5.7371% | 150 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | -5.4922% | 5,167 |
| Return on assets (ROA) | -5.4922% | 5,167 |
| Pretax return on assets | -5.4922% | 5,167 |
| Return on Equity (ROE) | -5.5019% | 5,082 |
| Retained earnings to average equity (ytd only) | -5.5019% | 4,992 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 2,343.0108% | 1 |
| Assets per employee ($millions) | 3.4528% | 4,518 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| 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% | 4,701 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,149 |
| Net loans and leases to deposits | NA | NA |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.0000% | 5,186 |
| Equity capital to assets | 99.8236% | 1 |
| Core capital (leverage) ratio | 99.4231% | 5 |
| Tier 1 risk-based capital ratio | 431.9207% | 11 |
| Total risk-based capital ratio | 431.9207% | 11 |
| Memoranda: | ||
| Average total assets | $37,981,000 | 4,923 |
| Average earning assets | $36,290,000 | 4,887 |
| Average equity | $37,914,000 | 2,012 |
| Average total loans | NA | NA |