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Icon 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 | 2.2061% | 4,571 |
| Cost of funding earning assets | 0.3036% | 4,375 |
| Net interest margin | 1.9025% | 4,438 |
| Noninterest income to average assets | 0.0000% | 4,534 |
| Noninterest expense to average assets | 7.1118% | 143 |
| Loan and lease loss provision to assets | 0.5000% | 183 |
| Net operating income to assets | -5.9790% | 4,594 |
| Return on assets (ROA) | -5.9790% | 4,592 |
| Pretax return on assets | -5.9790% | 4,592 |
| Return on Equity (ROE) | -9.0300% | 4,497 |
| Retained earnings to average equity (ytd only) | -9.0254% | 4,455 |
| 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 | 436.4312% | 5 |
| Assets per employee ($millions) | 1.6388% | 4,461 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1723% | 2,446 |
| 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 | 37.4100% | 4,110 |
| Net loans and leases to deposits | 128.1277% | 52 |
| Net loans and leases to core deposits | 128.1277% | 433 |
| Total domestic deposits to total assets | 29.2000% | 4,493 |
| Equity capital to assets | 58.5455% | 125 |
| Core capital (leverage) ratio | 62.8271% | 74 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $33,015,500 | 4,447 |
| Average earning assets | $28,330,500 | 4,429 |
| Average equity | $21,871,500 | 2,708 |
| Average total loans | $7,418,500 | 4,439 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.7680% | 4,609 |
| Cost of funding earning assets | 0.0305% | 4,533 |
| Net interest margin | 0.7375% | 4,568 |
| Noninterest income to average assets | 0.0000% | 4,562 |
| Noninterest expense to average assets | 2.3840% | 2,566 |
| Loan and lease loss provision to assets | 0.1300% | 897 |
| Net operating income to assets | -1.8725% | 4,591 |
| Return on assets (ROA) | -1.8725% | 4,585 |
| Pretax return on assets | -1.8725% | 4,584 |
| Return on Equity (ROE) | -2.4800% | 4,461 |
| Retained earnings to average equity (ytd only) | -2.4799% | 4,343 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 369.6552% | 9 |
| Assets per employee ($millions) | 1.4275% | 4,497 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5231% | 189 |
| 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 | 3.8700% | 4,493 |
| Net loans and leases to deposits | 27.5624% | 4,407 |
| Net loans and leases to core deposits | 27.5624% | 4,406 |
| Total domestic deposits to total assets | 14.0300% | 4,536 |
| Equity capital to assets | 75.5079% | 111 |
| Core capital (leverage) ratio | 77.3718% | 60 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $29,977,000 | 4,486 |
| Average earning assets | $26,215,000 | 4,467 |
| Average equity | $22,635,000 | 2,644 |
| Average total loans | $1,189,000 | 4,499 |