Home > Triad Business Bank > Performance and Condition Ratios
Triad 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 | 4.8720% | 2,341 |
| Cost of funding earning assets | 2.6506% | 276 |
| Net interest margin | 2.2215% | 4,302 |
| Noninterest income to average assets | 0.1700% | 3,940 |
| Noninterest expense to average assets | 2.6272% | 1,933 |
| Loan and lease loss provision to assets | 0.5900% | 138 |
| Net operating income to assets | -0.8878% | 4,530 |
| Return on assets (ROA) | -0.8807% | 4,518 |
| Pretax return on assets | -0.8807% | 4,516 |
| Return on Equity (ROE) | -11.7100% | 4,512 |
| Retained earnings to average equity (ytd only) | -11.7123% | 4,478 |
| 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 | 112.5797% | 98 |
| Assets per employee ($millions) | 8.3795% | 1,234 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1163% | 2,752 |
| 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 | 64.6400% | 2,408 |
| Net loans and leases to deposits | 71.7588% | 2,760 |
| Net loans and leases to core deposits | 108.5375% | 1,013 |
| Total domestic deposits to total assets | 90.0800% | 737 |
| Equity capital to assets | 7.3565% | 3,789 |
| Core capital (leverage) ratio | 10.5241% | 2,329 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7012% | 2,338 |
| Memoranda: | ||
| Average total assets | $490,514,800 | 1,747 |
| Average earning assets | $477,560,800 | 1,694 |
| Average equity | $36,884,200 | 1,987 |
| Average total loans | $310,665,400 | 1,753 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5440% | 2,541 |
| Cost of funding earning assets | 2.2461% | 309 |
| Net interest margin | 2.2978% | 4,365 |
| Noninterest income to average assets | 0.1500% | 4,060 |
| Noninterest expense to average assets | 2.6147% | 1,885 |
| Loan and lease loss provision to assets | 0.9700% | 70 |
| Net operating income to assets | -1.2028% | 4,608 |
| Return on assets (ROA) | -1.1895% | 4,603 |
| Pretax return on assets | -1.1895% | 4,595 |
| Return on Equity (ROE) | -15.1900% | 4,602 |
| Retained earnings to average equity (ytd only) | -15.1940% | 4,562 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 109.6982% | 98 |
| Assets per employee ($millions) | 9.0017% | 908 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1100% | 2,911 |
| 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 | 60.9400% | 2,683 |
| Net loans and leases to deposits | 66.8113% | 3,016 |
| Net loans and leases to core deposits | 97.3379% | 1,396 |
| Total domestic deposits to total assets | 91.2200% | 577 |
| Equity capital to assets | 7.1409% | 3,717 |
| Core capital (leverage) ratio | 11.1079% | 1,852 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4068% | 2,130 |
| Memoranda: | ||
| Average total assets | $481,046,000 | 1,771 |
| Average earning assets | $467,917,667 | 1,718 |
| Average equity | $37,659,667 | 1,953 |
| Average total loans | $296,743,333 | 1,791 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3438% | 2,695 |
| Cost of funding earning assets | 1.9987% | 297 |
| Net interest margin | 2.3451% | 4,422 |
| Noninterest income to average assets | 0.1700% | 3,961 |
| Noninterest expense to average assets | 2.6132% | 1,914 |
| Loan and lease loss provision to assets | 1.9500% | 30 |
| Net operating income to assets | -2.1092% | 4,653 |
| Return on assets (ROA) | -2.0859% | 4,648 |
| Pretax return on assets | -2.0859% | 4,641 |
| Return on Equity (ROE) | -25.4100% | 4,641 |
| Retained earnings to average equity (ytd only) | -25.4130% | 4,625 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 106.6713% | 117 |
| Assets per employee ($millions) | 8.6595% | 1,071 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1147% | 2,980 |
| 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 | 61.3700% | 2,526 |
| Net loans and leases to deposits | 69.3913% | 2,662 |
| Net loans and leases to core deposits | 88.4440% | 1,715 |
| Total domestic deposits to total assets | 88.4400% | 1,764 |
| Equity capital to assets | 7.8156% | 3,375 |
| Core capital (leverage) ratio | 11.7290% | 1,441 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0319% | 1,967 |
| Memoranda: | ||
| Average total assets | $465,019,500 | 1,838 |
| Average earning assets | $452,694,500 | 1,766 |
| Average equity | $38,169,500 | 1,958 |
| Average total loans | $287,009,500 | 1,855 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4982% | 3,076 |
| Cost of funding earning assets | 0.6705% | 667 |
| Net interest margin | 2.8277% | 3,833 |
| Noninterest income to average assets | 0.1800% | 4,071 |
| Noninterest expense to average assets | 2.6493% | 1,681 |
| Loan and lease loss provision to assets | 0.3200% | 245 |
| Net operating income to assets | -0.0500% | 4,585 |
| Return on assets (ROA) | -0.0874% | 4,578 |
| Pretax return on assets | -0.0713% | 4,567 |
| Return on Equity (ROE) | -0.8000% | 4,569 |
| Retained earnings to average equity (ytd only) | -0.8013% | 4,434 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 90.3572% | 292 |
| Assets per employee ($millions) | 8.2428% | 1,213 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2522% | 2,131 |
| 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 | 60.5800% | 2,587 |
| Net loans and leases to deposits | 68.6322% | 2,693 |
| Net loans and leases to core deposits | 76.1908% | 2,404 |
| Total domestic deposits to total assets | 88.2600% | 1,990 |
| Equity capital to assets | 8.6359% | 2,605 |
| Core capital (leverage) ratio | 12.4406% | 1,114 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4508% | 1,492 |
| Memoranda: | ||
| Average total assets | $416,305,200 | 1,969 |
| Average earning assets | $405,379,400 | 1,896 |
| Average equity | $45,426,800 | 1,744 |
| Average total loans | $234,050,400 | 2,029 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2074% | 3,414 |
| Cost of funding earning assets | 0.4603% | 935 |
| Net interest margin | 2.7470% | 3,839 |
| Noninterest income to average assets | 0.1900% | 4,048 |
| Noninterest expense to average assets | 2.6310% | 1,644 |
| Loan and lease loss provision to assets | 0.3500% | 176 |
| Net operating income to assets | -0.1238% | 4,631 |
| Return on assets (ROA) | -0.1441% | 4,612 |
| Pretax return on assets | -0.1313% | 4,606 |
| Return on Equity (ROE) | -1.2500% | 4,598 |
| Retained earnings to average equity (ytd only) | -1.2493% | 4,442 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 91.8221% | 280 |
| Assets per employee ($millions) | 8.6535% | 1,003 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2453% | 2,285 |
| 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 | 56.8000% | 2,823 |
| Net loans and leases to deposits | 62.8112% | 2,959 |
| Net loans and leases to core deposits | 70.8325% | 2,581 |
| Total domestic deposits to total assets | 90.4300% | 1,461 |
| Equity capital to assets | 8.8891% | 2,292 |
| Core capital (leverage) ratio | 13.0564% | 890 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2555% | 1,354 |
| Memoranda: | ||
| Average total assets | $409,104,250 | 2,009 |
| Average earning assets | $398,531,000 | 1,935 |
| Average equity | $47,173,750 | 1,714 |
| Average total loans | $224,300,750 | 2,083 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9970% | 3,567 |
| Cost of funding earning assets | 0.3445% | 1,321 |
| Net interest margin | 2.6526% | 3,809 |
| Noninterest income to average assets | 0.1391% | 4,322 |
| Noninterest expense to average assets | 2.5876% | 1,675 |
| Loan and lease loss provision to assets | 0.4298% | 128 |
| Net operating income to assets | -0.3068% | 4,656 |
| Return on assets (ROA) | -0.3364% | 4,640 |
| Pretax return on assets | -0.3253% | 4,627 |
| Return on Equity (ROE) | -2.6896% | 4,633 |
| Retained earnings to average equity (ytd only) | -2.6896% | 4,436 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.0747% | 261 |
| Assets per employee ($millions) | 8.5977% | 1,027 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2380% | 2,481 |
| 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 | 54.8751% | 2,872 |
| Net loans and leases to deposits | 61.3757% | 2,939 |
| Net loans and leases to core deposits | 67.9028% | 2,661 |
| Total domestic deposits to total assets | 89.4086% | 1,998 |
| Equity capital to assets | 10.0159% | 1,709 |
| Core capital (leverage) ratio | 13.6705% | 688 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8683% | 1,207 |
| Memoranda: | ||
| Average total assets | $398,362,667 | 2,057 |
| Average earning assets | $387,850,667 | 1,988 |
| Average equity | $49,821,667 | 1,688 |
| Average total loans | $214,456,000 | 2,148 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8369% | 3,666 |
| Cost of funding earning assets | 0.3242% | 1,421 |
| Net interest margin | 2.5126% | 3,882 |
| Noninterest income to average assets | 0.1359% | 4,336 |
| Noninterest expense to average assets | 2.5144% | 1,851 |
| Loan and lease loss provision to assets | 0.6545% | 66 |
| Net operating income to assets | -0.5823% | 4,712 |
| Return on assets (ROA) | -0.5949% | 4,703 |
| Pretax return on assets | -0.5907% | 4,689 |
| Return on Equity (ROE) | -4.2779% | 4,692 |
| Retained earnings to average equity (ytd only) | -4.2779% | 4,391 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.0541% | 299 |
| Assets per employee ($millions) | 8.0045% | 1,358 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2107% | 2,804 |
| 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 | 56.7336% | 2,448 |
| Net loans and leases to deposits | 66.8413% | 2,259 |
| Net loans and leases to core deposits | 75.0937% | 1,841 |
| Total domestic deposits to total assets | 84.8781% | 3,566 |
| Equity capital to assets | 12.6029% | 782 |
| Core capital (leverage) ratio | 14.9536% | 437 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8697% | 1,063 |
| Memoranda: | ||
| Average total assets | $382,600,500 | 2,124 |
| Average earning assets | $373,789,500 | 2,055 |
| Average equity | $53,204,000 | 1,645 |
| Average total loans | $202,255,000 | 2,210 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0017% | 3,868 |
| Cost of funding earning assets | 0.4304% | 1,329 |
| Net interest margin | 2.5713% | 4,093 |
| Noninterest income to average assets | 0.0909% | 4,640 |
| Noninterest expense to average assets | 2.8807% | 1,196 |
| Loan and lease loss provision to assets | 0.3995% | 170 |
| Net operating income to assets | -0.7167% | 4,775 |
| Return on assets (ROA) | -0.5252% | 4,771 |
| Pretax return on assets | -0.5252% | 4,766 |
| Return on Equity (ROE) | -3.1499% | 4,753 |
| Retained earnings to average equity (ytd only) | -3.1499% | 4,661 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 112.3773% | 89 |
| Assets per employee ($millions) | 7.9358% | 1,362 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1720% | 3,013 |
| 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 | 47.4988% | 3,538 |
| Net loans and leases to deposits | 58.0250% | 3,256 |
| Net loans and leases to core deposits | 58.4502% | 3,439 |
| Total domestic deposits to total assets | 81.8592% | 3,992 |
| Equity capital to assets | 15.2761% | 460 |
| Core capital (leverage) ratio | 16.2504% | 337 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.3978% | 611 |
| Memoranda: | ||
| Average total assets | $298,158,400 | 2,437 |
| Average earning assets | $286,701,000 | 2,399 |
| Average equity | $49,715,200 | 1,776 |
| Average total loans | $162,412,200 | 2,523 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0395% | 3,931 |
| Cost of funding earning assets | 0.4321% | 1,468 |
| Net interest margin | 2.6074% | 4,118 |
| Noninterest income to average assets | 0.0744% | 4,746 |
| Noninterest expense to average assets | 2.9667% | 1,023 |
| Loan and lease loss provision to assets | 0.3539% | 201 |
| Net operating income to assets | -0.7534% | 4,847 |
| Return on assets (ROA) | -0.4909% | 4,835 |
| Pretax return on assets | -0.4909% | 4,834 |
| Return on Equity (ROE) | -2.8642% | 4,820 |
| Retained earnings to average equity (ytd only) | -2.8642% | 4,740 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 115.5547% | 85 |
| Assets per employee ($millions) | 8.3102% | 1,125 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0672% | 3,592 |
| 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 | 41.8814% | 4,101 |
| Net loans and leases to deposits | 53.2628% | 3,795 |
| Net loans and leases to core deposits | 54.1158% | 3,908 |
| Total domestic deposits to total assets | 78.6317% | 4,365 |
| Equity capital to assets | 15.9500% | 421 |
| Core capital (leverage) ratio | 20.6914% | 158 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.9866% | 428 |
| Memoranda: | ||
| Average total assets | $279,452,500 | 2,562 |
| Average earning assets | $267,184,500 | 2,524 |
| Average equity | $47,899,750 | 1,848 |
| Average total loans | $158,199,500 | 2,599 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2481% | 3,564 |
| Cost of funding earning assets | 0.4618% | 1,435 |
| Net interest margin | 2.7864% | 3,811 |
| Noninterest income to average assets | 0.0989% | 4,691 |
| Noninterest expense to average assets | 3.1533% | 775 |
| Loan and lease loss provision to assets | 0.3550% | 208 |
| Net operating income to assets | -0.7092% | 4,885 |
| Return on assets (ROA) | -0.5664% | 4,877 |
| Pretax return on assets | -0.5664% | 4,872 |
| Return on Equity (ROE) | -3.1963% | 4,859 |
| Retained earnings to average equity (ytd only) | -3.1963% | 4,726 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 112.6532% | 95 |
| Assets per employee ($millions) | 6.6619% | 2,048 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9119% | 4,124 |
| 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 | 55.2528% | 2,988 |
| Net loans and leases to deposits | 70.3438% | 2,370 |
| Net loans and leases to core deposits | 71.8971% | 2,613 |
| Total domestic deposits to total assets | 78.5467% | 4,381 |
| Equity capital to assets | 16.5894% | 366 |
| Core capital (leverage) ratio | 18.0209% | 262 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.6839% | 447 |
| Memoranda: | ||
| Average total assets | $250,720,333 | 2,739 |
| Average earning assets | $242,970,000 | 2,674 |
| Average equity | $44,426,000 | 1,955 |
| Average total loans | $159,335,667 | 2,603 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9628% | 4,159 |
| Cost of funding earning assets | 0.4615% | 1,644 |
| Net interest margin | 2.5014% | 4,295 |
| Noninterest income to average assets | 0.1433% | 4,488 |
| Noninterest expense to average assets | 2.9336% | 1,103 |
| Loan and lease loss provision to assets | 0.4612% | 152 |
| Net operating income to assets | -0.8318% | 4,920 |
| Return on assets (ROA) | -0.6539% | 4,909 |
| Pretax return on assets | -0.6539% | 4,903 |
| Return on Equity (ROE) | -3.5657% | 4,886 |
| Retained earnings to average equity (ytd only) | -3.5657% | 4,630 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 114.4602% | 90 |
| Assets per employee ($millions) | 7.3495% | 1,561 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6679% | 4,615 |
| 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 | 66.8865% | 1,679 |
| Net loans and leases to deposits | 94.2272% | 480 |
| Net loans and leases to core deposits | 96.9704% | 842 |
| Total domestic deposits to total assets | 70.9843% | 4,743 |
| Equity capital to assets | 16.7110% | 335 |
| Core capital (leverage) ratio | 20.0574% | 186 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.7954% | 301 |
| Memoranda: | ||
| Average total assets | $242,842,000 | 2,778 |
| Average earning assets | $234,910,500 | 2,703 |
| Average equity | $44,535,500 | 1,934 |
| Average total loans | $164,708,000 | 2,554 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0224% | 4,915 |
| Cost of funding earning assets | 0.3845% | 3,675 |
| Net interest margin | 1.6378% | 4,903 |
| Noninterest income to average assets | 0.0190% | 4,921 |
| Noninterest expense to average assets | 3.4687% | 725 |
| Loan and lease loss provision to assets | 0.5410% | 416 |
| Net operating income to assets | -2.3880% | 4,968 |
| Return on assets (ROA) | -2.3707% | 4,968 |
| Pretax return on assets | -2.3707% | 4,969 |
| Return on Equity (ROE) | -8.7217% | 4,936 |
| Retained earnings to average equity (ytd only) | -8.7217% | 4,897 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 213.8930% | 17 |
| Assets per employee ($millions) | 6.7001% | 1,783 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6016% | 4,713 |
| 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 | 67.9986% | 1,827 |
| Net loans and leases to deposits | 101.0872% | 330 |
| Net loans and leases to core deposits | 103.3831% | 753 |
| Total domestic deposits to total assets | 67.2673% | 4,832 |
| Equity capital to assets | 20.2878% | 186 |
| Core capital (leverage) ratio | 26.4511% | 78 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 40.1669% | 130 |
| Memoranda: | ||
| Average total assets | $168,218,250 | 3,210 |
| Average earning assets | $164,610,000 | 3,125 |
| Average equity | $45,725,000 | 1,823 |
| Average total loans | $103,683,250 | 3,186 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5411% | 4,992 |
| Cost of funding earning assets | 0.2641% | 4,452 |
| Net interest margin | 1.2770% | 4,983 |
| Noninterest income to average assets | 0.0106% | 4,968 |
| Noninterest expense to average assets | 3.6168% | 601 |
| Loan and lease loss provision to assets | 0.5558% | 486 |
| Net operating income to assets | -2.9120% | 5,004 |
| Return on assets (ROA) | -2.8864% | 5,004 |
| Pretax return on assets | -2.8864% | 5,002 |
| Return on Equity (ROE) | -9.4461% | 4,962 |
| Retained earnings to average equity (ytd only) | -9.4461% | 4,923 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 286.8680% | 12 |
| Assets per employee ($millions) | 7.5398% | 1,187 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4190% | 4,871 |
| 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 | 61.8677% | 3,027 |
| Net loans and leases to deposits | 158.9230% | 22 |
| Net loans and leases to core deposits | 158.9230% | 85 |
| Total domestic deposits to total assets | 38.9293% | 4,995 |
| Equity capital to assets | 18.8148% | 245 |
| Core capital (leverage) ratio | 37.1202% | 46 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 59.6897% | 61 |
| Memoranda: | ||
| Average total assets | $150,590,000 | 3,382 |
| Average earning assets | $147,421,333 | 3,272 |
| Average equity | $46,014,333 | 1,807 |
| Average total loans | $87,825,333 | 3,457 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3818% | 5,043 |
| Cost of funding earning assets | 0.1522% | 4,872 |
| Net interest margin | 1.2296% | 5,033 |
| Noninterest income to average assets | 0.0019% | 5,007 |
| Noninterest expense to average assets | 4.7602% | 218 |
| Loan and lease loss provision to assets | 0.3306% | 1,289 |
| Net operating income to assets | -3.8917% | 5,041 |
| Return on assets (ROA) | -3.8917% | 5,041 |
| Pretax return on assets | -3.8917% | 5,037 |
| Return on Equity (ROE) | -8.8421% | 4,974 |
| Retained earnings to average equity (ytd only) | -8.8421% | 4,895 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 396.9889% | 6 |
| Assets per employee ($millions) | 6.1268% | 2,070 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1532% | 5,003 |
| 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 | 71.1903% | 1,845 |
| Net loans and leases to deposits | 162.9087% | 15 |
| Net loans and leases to core deposits | 162.9087% | 72 |
| Total domestic deposits to total assets | 43.6995% | 5,017 |
| Equity capital to assets | 29.1870% | 67 |
| Core capital (leverage) ratio | 40.6903% | 42 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 145.8492% | 23 |
| Memoranda: | ||
| Average total assets | $105,248,500 | 3,921 |
| Average earning assets | $102,473,500 | 3,858 |
| Average equity | $46,324,000 | 1,785 |
| Average total loans | $56,789,000 | 4,004 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5437% | 5,101 |
| Cost of funding earning assets | 0.0000% | 5,101 |
| Net interest margin | 1.5437% | 5,071 |
| Noninterest income to average assets | 0.0000% | 5,056 |
| Noninterest expense to average assets | 8.0893% | 97 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | -5.5818% | 5,096 |
| Return on assets (ROA) | -5.5818% | 5,090 |
| Pretax return on assets | -6.6298% | 5,092 |
| Return on Equity (ROE) | -6.1856% | 4,949 |
| Retained earnings to average equity (ytd only) | -6.1856% | 4,598 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 554.2553% | 8 |
| Assets per employee ($millions) | 2.2402% | 5,003 |
| 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 | 6.4202% | 5,099 |
| Equity capital to assets | 90.2377% | 18 |
| Core capital (leverage) ratio | 94.6199% | 15 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 338.1892% | 10 |
| Memoranda: | ||
| Average total assets | $51,525,000 | 4,687 |
| Average earning assets | $48,714,000 | 4,660 |
| Average equity | $46,495,000 | 1,777 |
| Average total loans | NA | NA |