Home > Stifel Trust Company Delaware > Performance and Condition Ratios
Stifel Trust Company Delaware, 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 | 4.7117% | 2,650 |
| Cost of funding earning assets | 1.1390% | 2,962 |
| Net interest margin | 3.5728% | 2,022 |
| Noninterest income to average assets | 1.6400% | 345 |
| Noninterest expense to average assets | 1.2433% | 4,454 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 2.7601% | 193 |
| Return on assets (ROA) | 2.4276% | 250 |
| Pretax return on assets | 3.4122% | 154 |
| Return on Equity (ROE) | 42.8400% | 78 |
| Retained earnings to average equity (ytd only) | 22.7010% | 96 |
| 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 | 24.4928% | 4,517 |
| Assets per employee ($millions) | 81.5910% | 25 |
| Cash dividends to net income (ytd only)* | 47.0090% | 1,774 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,458 |
| 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 | 0.0000% | 4,475 |
| Net loans and leases to deposits | 0.0000% | 4,474 |
| Net loans and leases to core deposits | 0.0000% | 4,493 |
| Total domestic deposits to total assets | 91.1300% | 471 |
| Equity capital to assets | 7.9981% | 3,420 |
| Core capital (leverage) ratio | 12.3726% | 1,264 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 47.8792% | 116 |
| Memoranda: | ||
| Average total assets | $350,507,400 | 2,195 |
| Average earning assets | $337,498,800 | 2,139 |
| Average equity | $19,862,600 | 2,868 |
| Average total loans | $0 | 4,477 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7124% | 2,444 |
| Cost of funding earning assets | 1.1831% | 2,482 |
| Net interest margin | 3.5292% | 2,148 |
| Noninterest income to average assets | 1.6000% | 364 |
| Noninterest expense to average assets | 1.2236% | 4,475 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 2.7202% | 214 |
| Return on assets (ROA) | 2.2845% | 326 |
| Pretax return on assets | 3.2186% | 194 |
| Return on Equity (ROE) | 44.5000% | 94 |
| Retained earnings to average equity (ytd only) | 15.3636% | 520 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 24.5020% | 4,540 |
| Assets per employee ($millions) | 85.4555% | 25 |
| Cash dividends to net income (ytd only)* | 65.4772% | 778 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,482 |
| 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 | 0.0000% | 4,500 |
| Net loans and leases to deposits | 0.0000% | 4,499 |
| Net loans and leases to core deposits | 0.0000% | 4,490 |
| Total domestic deposits to total assets | 94.4400% | 150 |
| Equity capital to assets | 4.8815% | 4,270 |
| Core capital (leverage) ratio | 10.5558% | 2,357 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 37.7508% | 168 |
| Memoranda: | ||
| Average total assets | $356,543,250 | 2,177 |
| Average earning assets | $343,032,500 | 2,121 |
| Average equity | $18,302,500 | 2,980 |
| Average total loans | $0 | 4,502 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.0000% | 4,642 |
| Cost of funding earning assets | 0.0000% | 4,571 |
| Net interest margin | 0.0000% | 4,613 |
| Noninterest income to average assets | 0.0000% | 4,595 |
| Noninterest expense to average assets | NA | NA |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.0000% | 4,418 |
| Return on assets (ROA) | 1.9422% | 511 |
| Pretax return on assets | 2.7390% | 270 |
| Return on Equity (ROE) | 37.2600% | 127 |
| Retained earnings to average equity (ytd only) | NA | NA |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 2.0000% | 1,815 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 0.0000% | 4,631 |
| Assets per employee ($millions) | 0.0000% | 4,630 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | 56.8639% | 3,595 |
| 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 | 0.0000% | 4,533 |
| Net loans and leases to deposits | NA | NA |
| Net loans and leases to core deposits | 0.0000% | 4,550 |
| Total domestic deposits to total assets | 0.0000% | 4,600 |
| Equity capital to assets | 0.0000% | 4,635 |
| Core capital (leverage) ratio | NA | NA |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $1,190,000 | 4,650 |
| Average earning assets | $0 | 4,645 |
| Average equity | $0 | 4,598 |
| Average total loans | $0 | 4,533 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2529% | 2,921 |
| Cost of funding earning assets | 1.1999% | 1,450 |
| Net interest margin | 3.0530% | 3,455 |
| Noninterest income to average assets | -0.1400% | 4,665 |
| Noninterest expense to average assets | 1.0589% | 4,616 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.2325% | 1,844 |
| Return on assets (ROA) | 1.2325% | 1,815 |
| Pretax return on assets | 1.7451% | 1,182 |
| Return on Equity (ROE) | 22.9800% | 509 |
| Retained earnings to average equity (ytd only) | 22.9848% | 244 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 37.7645% | 4,496 |
| Assets per employee ($millions) | 89.4983% | 21 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,580 |
| 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 | 0.0000% | 4,605 |
| Net loans and leases to deposits | 0.0000% | 4,604 |
| Net loans and leases to core deposits | 0.0000% | 4,587 |
| Total domestic deposits to total assets | 93.2900% | 259 |
| Equity capital to assets | 5.8194% | 4,261 |
| Core capital (leverage) ratio | 10.5920% | 2,161 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 37.4380% | 168 |
| Memoranda: | ||
| Average total assets | $357,337,000 | 2,207 |
| Average earning assets | $344,709,000 | 2,149 |
| Average equity | $19,160,500 | 2,959 |
| Average total loans | $0 | 4,605 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5393% | 4,487 |
| Cost of funding earning assets | 0.4996% | 1,392 |
| Net interest margin | 2.0397% | 4,548 |
| Noninterest income to average assets | 1.5800% | 324 |
| Noninterest expense to average assets | 1.2038% | 4,610 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.6781% | 562 |
| Return on assets (ROA) | 1.6781% | 537 |
| Pretax return on assets | 2.3678% | 246 |
| Return on Equity (ROE) | 30.2100% | 117 |
| Retained earnings to average equity (ytd only) | 30.2120% | 31 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 33.7046% | 4,623 |
| Assets per employee ($millions) | 118.8937% | 17 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,606 |
| 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 | 0.0000% | 4,635 |
| Net loans and leases to deposits | 0.0000% | 4,634 |
| Net loans and leases to core deposits | 0.0000% | 4,617 |
| Total domestic deposits to total assets | 94.3700% | 202 |
| Equity capital to assets | 4.9030% | 4,383 |
| Core capital (leverage) ratio | 9.9079% | 2,722 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 35.5209% | 186 |
| Memoranda: | ||
| Average total assets | $387,102,600 | 2,075 |
| Average earning assets | $377,304,200 | 1,995 |
| Average equity | $21,501,400 | 2,814 |
| Average total loans | $0 | 4,639 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0808% | 4,591 |
| Cost of funding earning assets | 0.2801% | 2,385 |
| Net interest margin | 1.8007% | 4,602 |
| Noninterest income to average assets | 1.5900% | 339 |
| Noninterest expense to average assets | 1.2390% | 4,611 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.4988% | 858 |
| Return on assets (ROA) | 1.4988% | 835 |
| Pretax return on assets | 2.1075% | 374 |
| Return on Equity (ROE) | 26.2900% | 155 |
| Retained earnings to average equity (ytd only) | 26.2871% | 42 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 37.0243% | 4,631 |
| Assets per employee ($millions) | 75.2196% | 24 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,653 |
| 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 | 0.0000% | 4,679 |
| Net loans and leases to deposits | 0.0000% | 4,678 |
| Net loans and leases to core deposits | 0.0000% | 4,661 |
| Total domestic deposits to total assets | 95.7200% | 153 |
| Equity capital to assets | 3.7238% | 4,508 |
| Core capital (leverage) ratio | 8.3637% | 4,175 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.2653% | 217 |
| Memoranda: | ||
| Average total assets | $394,708,000 | 2,066 |
| Average earning assets | $385,615,250 | 1,980 |
| Average equity | $22,504,750 | 2,774 |
| Average total loans | $0 | 4,681 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6844% | 4,683 |
| Cost of funding earning assets | 0.0336% | 4,678 |
| Net interest margin | 1.6508% | 4,664 |
| Noninterest income to average assets | 1.6517% | 291 |
| Noninterest expense to average assets | 1.2521% | 4,611 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.4357% | 824 |
| Return on assets (ROA) | 1.4357% | 807 |
| Pretax return on assets | 2.0194% | 364 |
| Return on Equity (ROE) | 22.7169% | 174 |
| Retained earnings to average equity (ytd only) | 22.7169% | 46 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.2739% | 4,646 |
| Assets per employee ($millions) | 84.8652% | 21 |
| 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 | 95.1952% | 126 |
| Equity capital to assets | 4.4322% | 4,569 |
| Core capital (leverage) ratio | 9.3603% | 3,061 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.8575% | 209 |
| Memoranda: | ||
| Average total assets | $400,911,333 | 2,048 |
| Average earning assets | $393,377,000 | 1,970 |
| Average equity | $25,338,000 | 2,660 |
| Average total loans | NA | NA |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4971% | 4,719 |
| Cost of funding earning assets | 0.0104% | 4,755 |
| Net interest margin | 1.4867% | 4,702 |
| Noninterest income to average assets | 1.9250% | 255 |
| Noninterest expense to average assets | 1.3206% | 4,605 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.4707% | 679 |
| Return on assets (ROA) | 1.4707% | 672 |
| Pretax return on assets | 2.0678% | 316 |
| Return on Equity (ROE) | 20.0115% | 231 |
| Retained earnings to average equity (ytd only) | 20.0115% | 96 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.9748% | 4,661 |
| Assets per employee ($millions) | 97.6065% | 18 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| 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% | 4,139 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 4,768 |
| Net loans and leases to deposits | 0.0000% | 4,768 |
| Net loans and leases to core deposits | 0.0000% | 4,758 |
| Total domestic deposits to total assets | 93.1091% | 247 |
| Equity capital to assets | 6.3108% | 4,493 |
| Core capital (leverage) ratio | 8.2256% | 4,137 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.7452% | 230 |
| Memoranda: | ||
| Average total assets | $389,204,000 | 2,101 |
| Average earning assets | $383,134,000 | 2,014 |
| Average equity | $28,603,500 | 2,559 |
| Average total loans | NA | NA |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.1570% | 4,778 |
| Cost of funding earning assets | 0.0089% | 4,804 |
| Net interest margin | 1.1481% | 4,767 |
| Noninterest income to average assets | 1.7486% | 377 |
| Noninterest expense to average assets | 1.4300% | 4,602 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.0204% | 2,589 |
| Return on assets (ROA) | 1.0204% | 2,671 |
| Pretax return on assets | 1.4467% | 1,889 |
| Return on Equity (ROE) | 10.8857% | 2,203 |
| Retained earnings to average equity (ytd only) | 10.8857% | 727 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.7099% | 4,305 |
| Assets per employee ($millions) | 96.9955% | 21 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| 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% | 4,222 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 4,813 |
| Net loans and leases to deposits | 0.0000% | 4,812 |
| Net loans and leases to core deposits | 0.0000% | 4,801 |
| Total domestic deposits to total assets | 91.1947% | 418 |
| Equity capital to assets | 8.3942% | 4,117 |
| Core capital (leverage) ratio | 8.2650% | 4,156 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.6480% | 223 |
| Memoranda: | ||
| Average total assets | $341,533,200 | 2,238 |
| Average earning assets | $335,599,200 | 2,158 |
| Average equity | $32,014,600 | 2,422 |
| Average total loans | NA | NA |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.1079% | 4,868 |
| Cost of funding earning assets | 0.0091% | 4,880 |
| Net interest margin | 1.0988% | 4,857 |
| Noninterest income to average assets | 1.7919% | 397 |
| Noninterest expense to average assets | 1.5199% | 4,573 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.9602% | 3,046 |
| Return on assets (ROA) | 0.9602% | 3,131 |
| Pretax return on assets | 1.3490% | 2,490 |
| Return on Equity (ROE) | 9.9382% | 2,753 |
| Retained earnings to average equity (ytd only) | 9.9382% | 1,335 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.9793% | 3,924 |
| Assets per employee ($millions) | 69.9288% | 26 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| 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% | 4,311 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 4,885 |
| Net loans and leases to deposits | 0.0000% | 4,885 |
| Net loans and leases to core deposits | 0.0000% | 4,874 |
| Total domestic deposits to total assets | 89.2482% | 1,150 |
| Equity capital to assets | 9.3667% | 3,495 |
| Core capital (leverage) ratio | 8.8538% | 3,706 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 50.5765% | 80 |
| Memoranda: | ||
| Average total assets | $329,921,000 | 2,320 |
| Average earning assets | $323,379,750 | 2,238 |
| Average equity | $31,876,250 | 2,464 |
| Average total loans | NA | NA |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.1324% | 4,899 |
| Cost of funding earning assets | 0.0088% | 4,916 |
| Net interest margin | 1.1235% | 4,886 |
| Noninterest income to average assets | 1.7863% | 394 |
| Noninterest expense to average assets | 1.5222% | 4,603 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.9736% | 2,986 |
| Return on assets (ROA) | 0.9736% | 3,067 |
| Pretax return on assets | 1.3651% | 2,425 |
| Return on Equity (ROE) | 9.9668% | 2,752 |
| Retained earnings to average equity (ytd only) | 9.9668% | 1,405 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.7207% | 3,962 |
| Assets per employee ($millions) | 66.9768% | 24 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| 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% | 4,353 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 4,922 |
| Net loans and leases to deposits | 0.0000% | 4,922 |
| Net loans and leases to core deposits | 0.0000% | 4,911 |
| Total domestic deposits to total assets | 88.9344% | 1,312 |
| Equity capital to assets | 9.7013% | 3,143 |
| Core capital (leverage) ratio | 9.5750% | 2,831 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 44.2785% | 103 |
| Memoranda: | ||
| Average total assets | $323,346,667 | 2,344 |
| Average earning assets | $316,856,333 | 2,251 |
| Average equity | $31,585,000 | 2,469 |
| Average total loans | NA | NA |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.9473% | 4,946 |
| Cost of funding earning assets | 0.0090% | 4,948 |
| Net interest margin | 0.9383% | 4,937 |
| Noninterest income to average assets | 1.7810% | 451 |
| Noninterest expense to average assets | 1.4447% | 4,698 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.8930% | 3,141 |
| Return on assets (ROA) | 0.8930% | 3,225 |
| Pretax return on assets | 1.2532% | 2,691 |
| Return on Equity (ROE) | 9.1092% | 2,999 |
| Retained earnings to average equity (ytd only) | 9.1092% | 1,916 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.5481% | 3,841 |
| Assets per employee ($millions) | 44.6779% | 31 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| 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% | 4,422 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 4,950 |
| Net loans and leases to deposits | 0.0000% | 4,950 |
| Net loans and leases to core deposits | 0.0000% | 4,939 |
| Total domestic deposits to total assets | 88.8072% | 1,436 |
| Equity capital to assets | 9.8556% | 2,839 |
| Core capital (leverage) ratio | 9.0882% | 3,512 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 41.5039% | 121 |
| Memoranda: | ||
| Average total assets | $317,578,000 | 2,353 |
| Average earning assets | $310,351,000 | 2,267 |
| Average equity | $31,133,500 | 2,481 |
| Average total loans | NA | NA |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.0324% | 4,970 |
| Cost of funding earning assets | 0.0104% | 4,975 |
| Net interest margin | 1.0220% | 4,960 |
| Noninterest income to average assets | 3.0233% | 189 |
| Noninterest expense to average assets | 2.8022% | 1,937 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.8777% | 2,795 |
| Return on assets (ROA) | 0.8777% | 2,933 |
| Pretax return on assets | 1.2233% | 2,250 |
| Return on Equity (ROE) | 7.3059% | 3,073 |
| Retained earnings to average equity (ytd only) | 7.3059% | 1,278 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6122% | 2,002 |
| Assets per employee ($millions) | 40.3014% | 32 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| 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% | 4,492 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 4,974 |
| Net loans and leases to deposits | 0.0000% | 4,974 |
| Net loans and leases to core deposits | 0.0000% | 4,963 |
| Total domestic deposits to total assets | 88.9287% | 1,018 |
| Equity capital to assets | 9.7528% | 3,363 |
| Core capital (leverage) ratio | 9.2487% | 3,389 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 48.5676% | 82 |
| Memoranda: | ||
| Average total assets | $186,387,400 | 3,049 |
| Average earning assets | $182,772,000 | 2,972 |
| Average equity | $22,393,000 | 2,977 |
| Average total loans | NA | NA |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.1308% | 5,010 |
| Cost of funding earning assets | 0.0107% | 5,014 |
| Net interest margin | 1.1201% | 4,996 |
| Noninterest income to average assets | 3.6626% | 148 |
| Noninterest expense to average assets | 3.4369% | 766 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.9511% | 2,515 |
| Return on assets (ROA) | 0.9511% | 2,652 |
| Pretax return on assets | 1.3282% | 1,943 |
| Return on Equity (ROE) | 7.1996% | 3,122 |
| Retained earnings to average equity (ytd only) | 7.1996% | 1,616 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1263% | 1,632 |
| Assets per employee ($millions) | 35.5244% | 38 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| 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% | 4,543 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,006 |
| Net loans and leases to deposits | 0.0000% | 5,006 |
| Net loans and leases to core deposits | 0.0000% | 4,995 |
| Total domestic deposits to total assets | 87.9667% | 1,228 |
| Equity capital to assets | 10.2454% | 3,015 |
| Core capital (leverage) ratio | 8.3365% | 4,435 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 43.7089% | 122 |
| Memoranda: | ||
| Average total assets | $152,381,500 | 3,356 |
| Average earning assets | $149,978,500 | 3,244 |
| Average equity | $20,130,250 | 3,169 |
| Average total loans | NA | NA |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.0231% | 5,056 |
| Cost of funding earning assets | 0.0094% | 5,050 |
| Net interest margin | 1.0137% | 5,048 |
| Noninterest income to average assets | 5.2175% | 101 |
| Noninterest expense to average assets | 4.1312% | 354 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.4920% | 938 |
| Return on assets (ROA) | 1.4920% | 1,014 |
| Pretax return on assets | 2.0840% | 460 |
| Return on Equity (ROE) | 9.4428% | 2,183 |
| Retained earnings to average equity (ytd only) | 9.4428% | 895 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4688% | 2,445 |
| Assets per employee ($millions) | 36.8749% | 36 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| 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% | 4,603 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,039 |
| Net loans and leases to deposits | 0.0000% | 5,039 |
| Net loans and leases to core deposits | 0.0000% | 5,027 |
| Total domestic deposits to total assets | 90.7773% | 203 |
| Equity capital to assets | 8.5332% | 4,459 |
| Core capital (leverage) ratio | 10.2968% | 2,532 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 47.2947% | 97 |
| Memoranda: | ||
| Average total assets | $108,443,667 | 3,888 |
| Average earning assets | $106,738,000 | 3,794 |
| Average equity | $17,134,667 | 3,459 |
| Average total loans | NA | NA |