Home > Tandem Bank > Performance and Condition Ratios
Tandem Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2826% | 444 |
| Cost of funding earning assets | 1.7554% | 1,338 |
| Net interest margin | 4.5273% | 589 |
| Noninterest income to average assets | 1.7700% | 311 |
| Noninterest expense to average assets | 4.4053% | 290 |
| Loan and lease loss provision to assets | 0.3500% | 287 |
| Net operating income to assets | 1.5177% | 978 |
| Return on assets (ROA) | 1.3609% | 1,266 |
| Pretax return on assets | 1.1462% | 2,274 |
| Return on Equity (ROE) | 12.7400% | 1,788 |
| Retained earnings to average equity (ytd only) | 12.7427% | 537 |
| Net charge-offs to loans | 0.0152% | 2,095 |
| Credit loss provision to net charge-offs | 3,336.3636% | 152 |
| Earnings coverage of net charge-offs (x) | 141.7273% | 739 |
| Efficiency ratio | 72.6683% | 1,594 |
| Assets per employee ($millions) | 5.7123% | 3,061 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4389% | 1,240 |
| Loan loss allowance to noncurrent loans | 11,127.2727% | 122 |
| Noncurrent assets plus other real estate owned to assets | 0.0101% | 3,712 |
| Noncurrent loans to loans | 0.0129% | 3,660 |
| Net loans and leases to total assets | 77.2500% | 944 |
| Net loans and leases to deposits | 96.0214% | 787 |
| Net loans and leases to core deposits | 111.3254% | 908 |
| Total domestic deposits to total assets | 80.4500% | 3,389 |
| Equity capital to assets | 10.2087% | 1,892 |
| Core capital (leverage) ratio | 10.7703% | 2,118 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9453% | 1,883 |
| Memoranda: | ||
| Average total assets | $188,180,400 | 3,066 |
| Average earning assets | $178,253,400 | 3,025 |
| Average equity | $20,097,800 | 2,847 |
| Average total loans | $144,714,800 | 2,718 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1408% | 446 |
| Cost of funding earning assets | 1.4806% | 1,661 |
| Net interest margin | 4.6602% | 484 |
| Noninterest income to average assets | 1.4500% | 407 |
| Noninterest expense to average assets | 4.4134% | 289 |
| Loan and lease loss provision to assets | 0.3000% | 314 |
| Net operating income to assets | 1.5451% | 1,034 |
| Return on assets (ROA) | 1.5451% | 1,022 |
| Pretax return on assets | 1.1575% | 2,393 |
| Return on Equity (ROE) | 14.2800% | 1,584 |
| Retained earnings to average equity (ytd only) | 14.2779% | 639 |
| Net charge-offs to loans | 0.0212% | 1,688 |
| Credit loss provision to net charge-offs | 1,800.0000% | 264 |
| Earnings coverage of net charge-offs (x) | 89.8182% | 976 |
| Efficiency ratio | 75.1946% | 1,251 |
| Assets per employee ($millions) | 5.8370% | 2,894 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3763% | 1,552 |
| 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 | 74.0100% | 1,340 |
| Net loans and leases to deposits | 93.9515% | 897 |
| Net loans and leases to core deposits | 100.4504% | 1,295 |
| Total domestic deposits to total assets | 78.7700% | 3,730 |
| Equity capital to assets | 10.3286% | 1,629 |
| Core capital (leverage) ratio | 11.1956% | 1,857 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9057% | 1,590 |
| Memoranda: | ||
| Average total assets | $180,958,250 | 3,127 |
| Average earning assets | $171,460,500 | 3,087 |
| Average equity | $19,582,250 | 2,879 |
| Average total loans | $138,360,250 | 2,795 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9753% | 453 |
| Cost of funding earning assets | 1.0853% | 2,336 |
| Net interest margin | 4.8900% | 352 |
| Noninterest income to average assets | 1.4700% | 337 |
| Noninterest expense to average assets | 4.5814% | 263 |
| Loan and lease loss provision to assets | 0.2600% | 365 |
| Net operating income to assets | 2.0141% | 453 |
| Return on assets (ROA) | 2.0141% | 450 |
| Pretax return on assets | 1.2600% | 2,190 |
| Return on Equity (ROE) | 18.2800% | 917 |
| Retained earnings to average equity (ytd only) | 18.2848% | 324 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 75.0757% | 1,248 |
| Assets per employee ($millions) | 4.9391% | 3,643 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3826% | 1,593 |
| 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 | 79.4300% | 687 |
| Net loans and leases to deposits | 103.4737% | 385 |
| Net loans and leases to core deposits | 110.1712% | 821 |
| Total domestic deposits to total assets | 76.7600% | 3,978 |
| Equity capital to assets | 11.4164% | 1,225 |
| Core capital (leverage) ratio | 12.2652% | 1,253 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7899% | 1,366 |
| Memoranda: | ||
| Average total assets | $173,179,000 | 3,194 |
| Average earning assets | $164,008,667 | 3,165 |
| Average equity | $19,076,000 | 2,940 |
| Average total loans | $133,377,333 | 2,834 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6985% | 463 |
| Cost of funding earning assets | 0.7201% | 2,986 |
| Net interest margin | 4.9784% | 304 |
| Noninterest income to average assets | 1.3800% | 362 |
| Noninterest expense to average assets | 4.5749% | 265 |
| Loan and lease loss provision to assets | 0.2800% | 314 |
| Net operating income to assets | 1.2043% | 1,920 |
| Return on assets (ROA) | 1.2043% | 1,879 |
| Pretax return on assets | 1.2542% | 2,290 |
| Return on Equity (ROE) | 11.1500% | 2,452 |
| Retained earnings to average equity (ytd only) | 11.1536% | 1,437 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 74.8543% | 1,257 |
| Assets per employee ($millions) | 5.4634% | 3,254 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4048% | 1,601 |
| 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 | 73.0300% | 1,318 |
| Net loans and leases to deposits | 88.4354% | 1,172 |
| Net loans and leases to core deposits | 99.3473% | 1,120 |
| Total domestic deposits to total assets | 82.5800% | 3,387 |
| Equity capital to assets | 10.9977% | 1,338 |
| Core capital (leverage) ratio | 12.5556% | 1,115 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6862% | 1,216 |
| Memoranda: | ||
| Average total assets | $168,395,500 | 3,273 |
| Average earning assets | $159,971,500 | 3,232 |
| Average equity | $18,182,500 | 3,036 |
| Average total loans | $126,471,000 | 2,913 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0608% | 1,560 |
| Cost of funding earning assets | 0.1774% | 3,932 |
| Net interest margin | 3.8834% | 996 |
| Noninterest income to average assets | 0.5500% | 1,854 |
| Noninterest expense to average assets | 3.5948% | 455 |
| Loan and lease loss provision to assets | 0.2400% | 394 |
| Net operating income to assets | 0.3693% | 4,286 |
| Return on assets (ROA) | 0.3693% | 4,254 |
| Pretax return on assets | 0.4077% | 4,270 |
| Return on Equity (ROE) | 3.2500% | 4,270 |
| Retained earnings to average equity (ytd only) | 3.2465% | 3,644 |
| Net charge-offs to loans | -0.3163% | 4,674 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 84.6716% | 461 |
| Assets per employee ($millions) | 5.2166% | 3,500 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3459% | 1,704 |
| 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 | 75.2700% | 1,095 |
| Net loans and leases to deposits | 85.0919% | 1,384 |
| Net loans and leases to core deposits | 89.8345% | 1,510 |
| Total domestic deposits to total assets | 88.4500% | 1,914 |
| Equity capital to assets | 10.5668% | 1,427 |
| Core capital (leverage) ratio | 11.8346% | 1,357 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4242% | 1,500 |
| Memoranda: | ||
| Average total assets | $148,132,200 | 3,462 |
| Average earning assets | $140,958,200 | 3,410 |
| Average equity | $16,848,800 | 3,213 |
| Average total loans | $95,464,200 | 3,211 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6643% | 2,153 |
| Cost of funding earning assets | 0.1371% | 3,967 |
| Net interest margin | 3.5272% | 1,583 |
| Noninterest income to average assets | 0.5600% | 1,859 |
| Noninterest expense to average assets | 3.3999% | 523 |
| Loan and lease loss provision to assets | 0.2100% | 415 |
| Net operating income to assets | 0.3004% | 4,379 |
| Return on assets (ROA) | 0.3004% | 4,335 |
| Pretax return on assets | 0.3004% | 4,377 |
| Return on Equity (ROE) | 2.5900% | 4,348 |
| Retained earnings to average equity (ytd only) | 2.5915% | 3,897 |
| Net charge-offs to loans | -0.4500% | 4,725 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 86.8470% | 423 |
| Assets per employee ($millions) | 5.5077% | 3,211 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4281% | 1,513 |
| 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 | 68.7900% | 1,584 |
| Net loans and leases to deposits | 77.9582% | 1,715 |
| Net loans and leases to core deposits | 81.7312% | 1,782 |
| Total domestic deposits to total assets | 88.2300% | 2,350 |
| Equity capital to assets | 11.0149% | 1,171 |
| Core capital (leverage) ratio | 11.8281% | 1,293 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5084% | 1,282 |
| Memoranda: | ||
| Average total assets | $146,040,500 | 3,501 |
| Average earning assets | $139,105,750 | 3,453 |
| Average equity | $16,926,750 | 3,245 |
| Average total loans | $89,480,750 | 3,306 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2328% | 2,946 |
| Cost of funding earning assets | 0.1226% | 3,934 |
| Net interest margin | 3.1103% | 2,503 |
| Noninterest income to average assets | 0.7234% | 1,250 |
| Noninterest expense to average assets | 3.2821% | 565 |
| Loan and lease loss provision to assets | 0.3238% | 201 |
| Net operating income to assets | 0.0896% | 4,520 |
| Return on assets (ROA) | 0.0896% | 4,487 |
| Pretax return on assets | 0.0896% | 4,498 |
| Return on Equity (ROE) | 0.7598% | 4,489 |
| Retained earnings to average equity (ytd only) | 0.7598% | 4,042 |
| Net charge-offs to loans | -0.0047% | 3,318 |
| Credit loss provision to net charge-offs | -11,750.0000% | 3,859 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.8143% | 466 |
| Assets per employee ($millions) | 6.9270% | 1,986 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2672% | 2,345 |
| 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 | 60.4847% | 2,276 |
| Net loans and leases to deposits | 68.4050% | 2,352 |
| Net loans and leases to core deposits | 71.6239% | 2,369 |
| Total domestic deposits to total assets | 88.4215% | 2,416 |
| Equity capital to assets | 10.8738% | 1,270 |
| Core capital (leverage) ratio | 12.0316% | 1,142 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8284% | 1,016 |
| Memoranda: | ||
| Average total assets | $145,151,667 | 3,551 |
| Average earning assets | $138,701,333 | 3,503 |
| Average equity | $17,109,000 | 3,311 |
| Average total loans | $84,717,333 | 3,395 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0201% | 3,194 |
| Cost of funding earning assets | 0.1269% | 3,810 |
| Net interest margin | 2.8932% | 2,864 |
| Noninterest income to average assets | 1.2407% | 461 |
| Noninterest expense to average assets | 3.4480% | 447 |
| Loan and lease loss provision to assets | 0.1667% | 471 |
| Net operating income to assets | 0.3957% | 3,960 |
| Return on assets (ROA) | 0.3957% | 3,927 |
| Pretax return on assets | 0.3957% | 4,039 |
| Return on Equity (ROE) | 3.2225% | 4,045 |
| Retained earnings to average equity (ytd only) | 3.2225% | 3,190 |
| Net charge-offs to loans | -0.0050% | 3,339 |
| Credit loss provision to net charge-offs | -5,900.0000% | 3,523 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.9760% | 739 |
| Assets per employee ($millions) | 7.2080% | 1,848 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2493% | 2,609 |
| 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 | 52.4800% | 2,944 |
| Net loans and leases to deposits | 59.6803% | 2,933 |
| Net loans and leases to core deposits | 65.0955% | 2,714 |
| Total domestic deposits to total assets | 87.9354% | 2,550 |
| Equity capital to assets | 11.3802% | 1,170 |
| Core capital (leverage) ratio | 12.5725% | 888 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5797% | 816 |
| Memoranda: | ||
| Average total assets | $141,530,500 | 3,604 |
| Average earning assets | $135,491,000 | 3,558 |
| Average equity | $17,378,000 | 3,367 |
| Average total loans | $80,397,000 | 3,455 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8865% | 1,649 |
| Cost of funding earning assets | 0.2039% | 3,424 |
| Net interest margin | 3.6826% | 1,258 |
| Noninterest income to average assets | 0.0981% | 4,614 |
| Noninterest expense to average assets | 3.6280% | 416 |
| Loan and lease loss provision to assets | 0.8728% | 47 |
| Net operating income to assets | -0.8286% | 4,781 |
| Return on assets (ROA) | -0.8286% | 4,784 |
| Pretax return on assets | -0.8286% | 4,781 |
| Return on Equity (ROE) | -5.1956% | 4,780 |
| Retained earnings to average equity (ytd only) | -5.1956% | 4,714 |
| Net charge-offs to loans | 0.8015% | 83 |
| Credit loss provision to net charge-offs | 164.6667% | 1,434 |
| Earnings coverage of net charge-offs (x) | 0.0833% | 2,646 |
| Efficiency ratio | 98.7972% | 161 |
| Assets per employee ($millions) | 6.2711% | 2,509 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1761% | 2,992 |
| 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 | 60.2963% | 2,132 |
| Net loans and leases to deposits | 71.4796% | 1,963 |
| Net loans and leases to core deposits | 79.3925% | 1,649 |
| Total domestic deposits to total assets | 84.3545% | 3,458 |
| Equity capital to assets | 13.3113% | 820 |
| Core capital (leverage) ratio | 13.8475% | 638 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.7158% | 579 |
| Memoranda: | ||
| Average total assets | $113,202,200 | 3,866 |
| Average earning assets | $109,867,600 | 3,811 |
| Average equity | $18,053,800 | 3,379 |
| Average total loans | $74,860,000 | 3,566 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9365% | 1,669 |
| Cost of funding earning assets | 0.2210% | 3,413 |
| Net interest margin | 3.7155% | 1,307 |
| Noninterest income to average assets | 0.0921% | 4,699 |
| Noninterest expense to average assets | 3.7759% | 349 |
| Loan and lease loss provision to assets | 0.8316% | 55 |
| Net operating income to assets | -0.9025% | 4,857 |
| Return on assets (ROA) | -0.9025% | 4,859 |
| Pretax return on assets | -0.9025% | 4,856 |
| Return on Equity (ROE) | -5.3890% | 4,849 |
| Retained earnings to average equity (ytd only) | -5.3890% | 4,789 |
| Net charge-offs to loans | 0.7729% | 97 |
| Credit loss provision to net charge-offs | 158.9202% | 1,325 |
| Earnings coverage of net charge-offs (x) | -0.1362% | 2,412 |
| Efficiency ratio | 101.9224% | 141 |
| Assets per employee ($millions) | 5.4890% | 3,213 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0411% | 3,704 |
| Loan loss allowance to noncurrent loans | 464.3678% | 1,441 |
| Noncurrent assets plus other real estate owned to assets | 0.1441% | 3,147 |
| Noncurrent loans to loans | 0.2242% | 3,051 |
| Net loans and leases to total assets | 63.6016% | 1,825 |
| Net loans and leases to deposits | 76.9148% | 1,582 |
| Net loans and leases to core deposits | 86.7509% | 1,234 |
| Total domestic deposits to total assets | 82.6910% | 3,779 |
| Equity capital to assets | 14.7137% | 593 |
| Core capital (leverage) ratio | 14.8992% | 506 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.7142% | 388 |
| Memoranda: | ||
| Average total assets | $108,579,500 | 3,957 |
| Average earning assets | $105,574,250 | 3,894 |
| Average equity | $18,184,750 | 3,412 |
| Average total loans | $73,487,250 | 3,639 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8191% | 2,019 |
| Cost of funding earning assets | 0.2482% | 3,296 |
| Net interest margin | 3.5709% | 1,661 |
| Noninterest income to average assets | 0.0938% | 4,711 |
| Noninterest expense to average assets | 3.7907% | 338 |
| Loan and lease loss provision to assets | 0.2794% | 327 |
| Net operating income to assets | -0.5071% | 4,868 |
| Return on assets (ROA) | -0.5071% | 4,871 |
| Pretax return on assets | -0.5071% | 4,868 |
| Return on Equity (ROE) | -2.8924% | 4,855 |
| Retained earnings to average equity (ytd only) | -2.8924% | 4,712 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.3910% | 113 |
| Assets per employee ($millions) | 5.4110% | 3,230 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9161% | 4,107 |
| 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 | 66.9122% | 1,596 |
| Net loans and leases to deposits | 82.3608% | 1,194 |
| Net loans and leases to core deposits | 93.8702% | 909 |
| Total domestic deposits to total assets | 81.2428% | 4,057 |
| Equity capital to assets | 16.0185% | 413 |
| Core capital (leverage) ratio | 16.1935% | 359 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.2573% | 269 |
| Memoranda: | ||
| Average total assets | $104,520,000 | 4,022 |
| Average earning assets | $101,542,333 | 3,957 |
| Average equity | $18,323,667 | 3,401 |
| Average total loans | $72,112,333 | 3,687 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8367% | 1,989 |
| Cost of funding earning assets | 0.2764% | 3,210 |
| Net interest margin | 3.5603% | 1,677 |
| Noninterest income to average assets | 0.0840% | 4,751 |
| Noninterest expense to average assets | 3.7333% | 353 |
| Loan and lease loss provision to assets | 0.1721% | 718 |
| Net operating income to assets | -0.3681% | 4,869 |
| Return on assets (ROA) | -0.3681% | 4,874 |
| Pretax return on assets | -0.3681% | 4,872 |
| Return on Equity (ROE) | -2.0017% | 4,856 |
| Retained earnings to average equity (ytd only) | -2.0017% | 4,537 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.5430% | 138 |
| Assets per employee ($millions) | 5.7247% | 2,885 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7876% | 4,429 |
| 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 | 69.4861% | 1,361 |
| Net loans and leases to deposits | 86.5334% | 920 |
| Net loans and leases to core deposits | 99.4121% | 736 |
| Total domestic deposits to total assets | 80.2997% | 4,162 |
| Equity capital to assets | 16.8714% | 320 |
| Core capital (leverage) ratio | 18.2205% | 253 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 35.7000% | 174 |
| Memoranda: | ||
| Average total assets | $99,964,500 | 4,076 |
| Average earning assets | $96,957,500 | 4,010 |
| Average equity | $18,384,500 | 3,386 |
| Average total loans | $69,800,500 | 3,742 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1772% | 2,208 |
| Cost of funding earning assets | 0.3564% | 3,841 |
| Net interest margin | 3.8208% | 1,443 |
| Noninterest income to average assets | 0.1748% | 4,410 |
| Noninterest expense to average assets | 5.1358% | 180 |
| Loan and lease loss provision to assets | 0.7247% | 208 |
| Net operating income to assets | -2.0172% | 4,962 |
| Return on assets (ROA) | -2.0172% | 4,962 |
| Pretax return on assets | -2.0172% | 4,961 |
| Return on Equity (ROE) | -7.1608% | 4,920 |
| Retained earnings to average equity (ytd only) | -7.1608% | 4,873 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 133.6314% | 49 |
| Assets per employee ($millions) | 4.7978% | 3,609 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8783% | 4,249 |
| 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 | 68.9608% | 1,697 |
| Net loans and leases to deposits | 90.2674% | 910 |
| Net loans and leases to core deposits | 107.7675% | 581 |
| Total domestic deposits to total assets | 76.3962% | 4,478 |
| Equity capital to assets | 20.2043% | 193 |
| Core capital (leverage) ratio | 20.0998% | 184 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 39.0789% | 138 |
| Memoranda: | ||
| Average total assets | $66,923,000 | 4,424 |
| Average earning assets | $64,254,200 | 4,384 |
| Average equity | $18,852,600 | 3,295 |
| Average total loans | $43,850,400 | 4,229 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0973% | 2,680 |
| Cost of funding earning assets | 0.3523% | 4,045 |
| Net interest margin | 3.7450% | 1,780 |
| Noninterest income to average assets | 0.2147% | 4,197 |
| Noninterest expense to average assets | 5.6146% | 146 |
| Loan and lease loss provision to assets | 0.8396% | 201 |
| Net operating income to assets | -2.6528% | 5,000 |
| Return on assets (ROA) | -2.6528% | 5,000 |
| Pretax return on assets | -2.6528% | 4,999 |
| Return on Equity (ROE) | -8.5154% | 4,952 |
| Retained earnings to average equity (ytd only) | -8.5154% | 4,908 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 147.7233% | 42 |
| Assets per employee ($millions) | 4.8131% | 3,474 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6725% | 4,619 |
| 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 | 77.5737% | 885 |
| Net loans and leases to deposits | 103.3748% | 401 |
| Net loans and leases to core deposits | 122.8494% | 356 |
| Total domestic deposits to total assets | 75.0413% | 4,499 |
| Equity capital to assets | 21.3770% | 161 |
| Core capital (leverage) ratio | 22.5465% | 130 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 46.4255% | 99 |
| Memoranda: | ||
| Average total assets | $60,864,000 | 4,522 |
| Average earning assets | $58,280,750 | 4,480 |
| Average equity | $18,961,250 | 3,284 |
| Average total loans | $38,957,750 | 4,355 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1352% | 2,953 |
| Cost of funding earning assets | 0.3335% | 4,347 |
| Net interest margin | 3.8016% | 1,832 |
| Noninterest income to average assets | 0.3023% | 3,657 |
| Noninterest expense to average assets | 6.5081% | 122 |
| Loan and lease loss provision to assets | 1.0062% | 204 |
| Net operating income to assets | -3.5926% | 5,037 |
| Return on assets (ROA) | -3.5926% | 5,036 |
| Pretax return on assets | -3.5926% | 5,033 |
| Return on Equity (ROE) | -9.8282% | 4,986 |
| Retained earnings to average equity (ytd only) | -9.8282% | 4,915 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 165.9512% | 34 |
| Assets per employee ($millions) | 4.3468% | 3,960 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5829% | 4,758 |
| 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 | 73.0247% | 1,552 |
| Net loans and leases to deposits | 101.4309% | 467 |
| Net loans and leases to core deposits | 123.3293% | 353 |
| Total domestic deposits to total assets | 71.9946% | 4,711 |
| Equity capital to assets | 23.9922% | 110 |
| Core capital (leverage) ratio | 27.0671% | 77 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 57.8662% | 59 |
| Memoranda: | ||
| Average total assets | $52,273,667 | 4,657 |
| Average earning assets | $49,768,333 | 4,624 |
| Average equity | $19,108,333 | 3,259 |
| Average total loans | $29,390,000 | 4,574 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9077% | 4,976 |
| Cost of funding earning assets | 0.4014% | 4,356 |
| Net interest margin | 2.5063% | 4,822 |
| Noninterest income to average assets | 0.7127% | 1,603 |
| Noninterest expense to average assets | 8.4094% | 91 |
| Loan and lease loss provision to assets | 2.2092% | 57 |
| Net operating income to assets | -7.5542% | 5,102 |
| Return on assets (ROA) | -7.5542% | 5,100 |
| Pretax return on assets | -7.5542% | 5,096 |
| Return on Equity (ROE) | -15.3970% | 5,041 |
| Retained earnings to average equity (ytd only) | -15.3970% | 4,906 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 274.4186% | 15 |
| Assets per employee ($millions) | 2.5425% | 4,946 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2275% | 2,521 |
| 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 | 0.0000% | 4,593 |
| Net loans and leases to total assets | 53.8024% | 4,002 |
| Net loans and leases to deposits | 100.3712% | 539 |
| Net loans and leases to core deposits | 115.3007% | 614 |
| Total domestic deposits to total assets | 53.6034% | 5,058 |
| Equity capital to assets | 43.7822% | 40 |
| Core capital (leverage) ratio | 50.0476% | 33 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 66.3845% | 51 |
| Memoranda: | ||
| Average total assets | $39,289,500 | 4,860 |
| Average earning assets | $36,867,000 | 4,836 |
| Average equity | $19,276,500 | 3,243 |
| Average total loans | $15,349,500 | 4,894 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.9747% | 5,169 |
| Cost of funding earning assets | 0.0774% | 5,127 |
| Net interest margin | 0.8973% | 5,162 |
| Noninterest income to average assets | 0.0321% | 5,075 |
| Noninterest expense to average assets | 5.1880% | 189 |
| Loan and lease loss provision to assets | 0.2565% | 699 |
| Net operating income to assets | -4.5858% | 5,161 |
| Return on assets (ROA) | -4.5858% | 5,161 |
| Pretax return on assets | -4.5858% | 5,161 |
| Return on Equity (ROE) | -6.7944% | 5,098 |
| Retained earnings to average equity (ytd only) | -6.7944% | 5,027 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 604.1494% | 7 |
| Assets per employee ($millions) | 2.0798% | 5,073 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0063% | 3,465 |
| 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 | 0.0000% | 4,619 |
| Net loans and leases to total assets | 20.0334% | 5,076 |
| Net loans and leases to deposits | 48.5436% | 4,727 |
| Net loans and leases to core deposits | 50.2661% | 4,753 |
| Total domestic deposits to total assets | 41.2688% | 5,137 |
| Equity capital to assets | 55.5182% | 35 |
| Core capital (leverage) ratio | 69.8417% | 32 |
| Tier 1 risk-based capital ratio | 130.5901% | 37 |
| Total risk-based capital ratio | 131.0691% | 37 |
| Memoranda: | ||
| Average total assets | $28,065,000 | 5,047 |
| Average earning assets | $25,855,000 | 5,034 |
| Average equity | $18,942,000 | 3,230 |
| Average total loans | $3,577,500 | 5,136 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.6730% | 5,249 |
| Cost of funding earning assets | 0.0000% | 5,247 |
| Net interest margin | 0.6730% | 5,246 |
| Noninterest income to average assets | 0.0000% | 5,208 |
| Noninterest expense to average assets | 4.6660% | 263 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | -4.0627% | 5,240 |
| Return on assets (ROA) | -4.0627% | 5,240 |
| Pretax return on assets | -4.0627% | 5,239 |
| Return on Equity (ROE) | -4.6233% | 5,152 |
| Retained earnings to average equity (ytd only) | -4.6233% | 5,047 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 773.4043% | 5 |
| Assets per employee ($millions) | 1.3849% | 5,196 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| 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% | 4,789 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,226 |
| Net loans and leases to deposits | 0.0000% | 5,226 |
| Net loans and leases to core deposits | 0.0000% | 5,215 |
| Total domestic deposits to total assets | 6.6622% | 5,240 |
| Equity capital to assets | 87.8743% | 15 |
| Core capital (leverage) ratio | 1,024.4108% | 1 |
| Tier 1 risk-based capital ratio | 401.6502% | 12 |
| Total risk-based capital ratio | 401.6502% | 12 |
| Memoranda: | ||
| Average total assets | $20,774,000 | 5,189 |
| Average earning assets | $18,622,000 | 5,180 |
| Average equity | $18,255,000 | 3,329 |
| Average total loans | NA | NA |