Home > Waterfall Bank > Performance and Condition Ratios
Waterfall Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9104% | 717 |
| Cost of funding earning assets | 1.7749% | 1,293 |
| Net interest margin | 4.1354% | 1,027 |
| Noninterest income to average assets | 0.0600% | 4,411 |
| Noninterest expense to average assets | 3.5937% | 513 |
| Loan and lease loss provision to assets | 0.4900% | 188 |
| Net operating income to assets | -0.0493% | 4,411 |
| Return on assets (ROA) | -0.0493% | 4,393 |
| Pretax return on assets | -0.0561% | 4,385 |
| Return on Equity (ROE) | -0.1800% | 4,354 |
| Retained earnings to average equity (ytd only) | -0.1785% | 4,103 |
| 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 | 89.1516% | 439 |
| Assets per employee ($millions) | 6.9201% | 2,123 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7924% | 3,980 |
| 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 | 90.6000% | 32 |
| Net loans and leases to deposits | 131.8248% | 41 |
| Net loans and leases to core deposits | 153.0285% | 190 |
| Total domestic deposits to total assets | 68.7200% | 4,329 |
| Equity capital to assets | 22.0024% | 237 |
| Core capital (leverage) ratio | 23.4451% | 185 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.2383% | 409 |
| Memoranda: | ||
| Average total assets | $147,953,800 | 3,386 |
| Average earning assets | $142,089,400 | 3,322 |
| Average equity | $40,907,800 | 1,856 |
| Average total loans | $124,506,600 | 2,908 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7200% | 765 |
| Cost of funding earning assets | 1.3542% | 1,992 |
| Net interest margin | 4.3658% | 735 |
| Noninterest income to average assets | 0.0600% | 4,432 |
| Noninterest expense to average assets | 3.7704% | 428 |
| Loan and lease loss provision to assets | 0.6000% | 124 |
| Net operating income to assets | -0.1032% | 4,475 |
| Return on assets (ROA) | -0.1032% | 4,461 |
| Pretax return on assets | -0.1273% | 4,456 |
| Return on Equity (ROE) | -0.3500% | 4,403 |
| Retained earnings to average equity (ytd only) | -0.3492% | 4,188 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 88.8005% | 418 |
| Assets per employee ($millions) | 6.5780% | 2,269 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8542% | 3,861 |
| 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 | 88.0100% | 77 |
| Net loans and leases to deposits | 118.3513% | 93 |
| Net loans and leases to core deposits | 137.7806% | 248 |
| Total domestic deposits to total assets | 74.3600% | 4,134 |
| Equity capital to assets | 24.6817% | 203 |
| Core capital (leverage) ratio | 25.6766% | 155 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.3931% | 277 |
| Memoranda: | ||
| Average total assets | $138,231,500 | 3,483 |
| Average earning assets | $132,420,250 | 3,430 |
| Average equity | $40,857,250 | 1,834 |
| Average total loans | $112,977,500 | 3,026 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2815% | 1,104 |
| Cost of funding earning assets | 0.7883% | 3,240 |
| Net interest margin | 4.4933% | 609 |
| Noninterest income to average assets | 0.0700% | 4,429 |
| Noninterest expense to average assets | 3.8890% | 370 |
| Loan and lease loss provision to assets | 0.7900% | 91 |
| Net operating income to assets | -0.2502% | 4,542 |
| Return on assets (ROA) | -0.2502% | 4,528 |
| Pretax return on assets | -0.3228% | 4,532 |
| Return on Equity (ROE) | -0.7900% | 4,464 |
| Retained earnings to average equity (ytd only) | -0.7913% | 4,192 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 89.1959% | 379 |
| Assets per employee ($millions) | 6.4164% | 2,366 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8432% | 3,922 |
| 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 | 86.8200% | 123 |
| Net loans and leases to deposits | 137.1351% | 34 |
| Net loans and leases to core deposits | 149.1799% | 149 |
| Total domestic deposits to total assets | 63.3100% | 4,463 |
| Equity capital to assets | 26.5584% | 179 |
| Core capital (leverage) ratio | 31.1011% | 115 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.4885% | 267 |
| Memoranda: | ||
| Average total assets | $129,492,000 | 3,575 |
| Average earning assets | $123,562,667 | 3,523 |
| Average equity | $40,946,667 | 1,846 |
| Average total loans | $101,976,667 | 3,156 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1334% | 1,044 |
| Cost of funding earning assets | 0.3739% | 4,024 |
| Net interest margin | 4.7595% | 403 |
| Noninterest income to average assets | 0.0800% | 4,443 |
| Noninterest expense to average assets | 4.3534% | 296 |
| Loan and lease loss provision to assets | 0.5300% | 137 |
| Net operating income to assets | -0.2184% | 4,557 |
| Return on assets (ROA) | -0.2184% | 4,544 |
| Pretax return on assets | -0.2798% | 4,543 |
| Return on Equity (ROE) | -0.6200% | 4,477 |
| Retained earnings to average equity (ytd only) | -0.6248% | 4,100 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 94.6588% | 242 |
| Assets per employee ($millions) | 4.7940% | 3,800 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8927% | 3,876 |
| 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 | 74.8700% | 1,092 |
| Net loans and leases to deposits | 119.0005% | 89 |
| Net loans and leases to core deposits | 124.0093% | 363 |
| Total domestic deposits to total assets | 62.9200% | 4,524 |
| Equity capital to assets | 35.6467% | 105 |
| Core capital (leverage) ratio | 36.9781% | 104 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 43.5919% | 132 |
| Memoranda: | ||
| Average total assets | $117,241,500 | 3,750 |
| Average earning assets | $111,272,000 | 3,708 |
| Average equity | $40,971,000 | 1,868 |
| Average total loans | $85,544,500 | 3,395 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2791% | 3,641 |
| Cost of funding earning assets | 0.1557% | 4,095 |
| Net interest margin | 3.1234% | 3,104 |
| Noninterest income to average assets | 0.0200% | 4,633 |
| Noninterest expense to average assets | 4.2361% | 285 |
| Loan and lease loss provision to assets | 0.5700% | 99 |
| Net operating income to assets | -1.3369% | 4,671 |
| Return on assets (ROA) | -1.3369% | 4,667 |
| Pretax return on assets | -1.7718% | 4,674 |
| Return on Equity (ROE) | -3.2600% | 4,605 |
| Retained earnings to average equity (ytd only) | -3.2606% | 4,527 |
| Net charge-offs to loans | 0.0021% | 2,459 |
| Credit loss provision to net charge-offs | 58,300.0000% | 11 |
| Earnings coverage of net charge-offs (x) | -1,218.0000% | 4,725 |
| Efficiency ratio | 139.4430% | 48 |
| Assets per employee ($millions) | 5.1924% | 3,520 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7390% | 4,154 |
| 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 | 69.9500% | 1,644 |
| Net loans and leases to deposits | 108.6258% | 184 |
| Net loans and leases to core deposits | 112.3645% | 538 |
| Total domestic deposits to total assets | 64.4000% | 4,543 |
| Equity capital to assets | 34.2706% | 109 |
| Core capital (leverage) ratio | 34.0765% | 110 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 44.2158% | 127 |
| Memoranda: | ||
| Average total assets | $101,649,400 | 3,911 |
| Average earning assets | $98,290,400 | 3,853 |
| Average equity | $41,679,200 | 1,867 |
| Average total loans | $48,472,200 | 3,919 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6419% | 4,353 |
| Cost of funding earning assets | 0.1428% | 3,917 |
| Net interest margin | 2.4991% | 4,208 |
| Noninterest income to average assets | 0.0100% | 4,687 |
| Noninterest expense to average assets | 4.4276% | 263 |
| Loan and lease loss provision to assets | 0.6600% | 73 |
| Net operating income to assets | -1.9848% | 4,732 |
| Return on assets (ROA) | -1.9848% | 4,728 |
| Pretax return on assets | -2.6582% | 4,736 |
| Return on Equity (ROE) | -4.6100% | 4,659 |
| Retained earnings to average equity (ytd only) | -4.6081% | 4,593 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 181.9617% | 27 |
| Assets per employee ($millions) | 5.9922% | 2,768 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7390% | 4,197 |
| 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 | 55.9300% | 2,908 |
| Net loans and leases to deposits | 82.6706% | 1,388 |
| Net loans and leases to core deposits | 85.2306% | 1,568 |
| Total domestic deposits to total assets | 67.6500% | 4,567 |
| Equity capital to assets | 32.2457% | 110 |
| Core capital (leverage) ratio | 35.7193% | 103 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 47.2727% | 118 |
| Memoranda: | ||
| Average total assets | $97,205,250 | 3,979 |
| Average earning assets | $94,271,500 | 3,921 |
| Average equity | $41,867,000 | 1,889 |
| Average total loans | $39,549,000 | 4,088 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9247% | 4,638 |
| Cost of funding earning assets | 0.1176% | 3,990 |
| Net interest margin | 1.8070% | 4,624 |
| Noninterest income to average assets | 0.0091% | 4,723 |
| Noninterest expense to average assets | 5.0764% | 167 |
| Loan and lease loss provision to assets | 0.8784% | 49 |
| Net operating income to assets | -3.1302% | 4,750 |
| Return on assets (ROA) | -3.1302% | 4,748 |
| Pretax return on assets | -4.1934% | 4,753 |
| Return on Equity (ROE) | -6.4875% | 4,697 |
| Retained earnings to average equity (ytd only) | -6.4875% | 4,579 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 288.2124% | 15 |
| Assets per employee ($millions) | 5.2437% | 3,482 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7391% | 4,270 |
| 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 | 54.4258% | 2,918 |
| Net loans and leases to deposits | 89.8541% | 732 |
| Net loans and leases to core deposits | 93.2342% | 956 |
| Total domestic deposits to total assets | 60.5714% | 4,686 |
| Equity capital to assets | 39.3171% | 52 |
| Core capital (leverage) ratio | 43.2359% | 47 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 60.3024% | 48 |
| Memoranda: | ||
| Average total assets | $87,661,333 | 4,106 |
| Average earning assets | $85,002,000 | 4,061 |
| Average equity | $42,297,000 | 1,923 |
| Average total loans | $29,097,333 | 4,334 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.1320% | 4,756 |
| Cost of funding earning assets | 0.0887% | 4,265 |
| Net interest margin | 1.0433% | 4,747 |
| Noninterest income to average assets | 0.0051% | 4,749 |
| Noninterest expense to average assets | 6.0666% | 120 |
| Loan and lease loss provision to assets | 0.7134% | 59 |
| Net operating income to assets | -4.3008% | 4,783 |
| Return on assets (ROA) | -4.3008% | 4,783 |
| Pretax return on assets | -5.7630% | 4,785 |
| Return on Equity (ROE) | -7.9385% | 4,730 |
| Retained earnings to average equity (ytd only) | -7.9385% | 4,524 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 596.5174% | 7 |
| Assets per employee ($millions) | 4.1501% | 4,330 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7404% | 4,325 |
| 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 | 27.8433% | 4,515 |
| Net loans and leases to deposits | 54.0385% | 3,417 |
| Net loans and leases to core deposits | 56.9558% | 3,382 |
| Total domestic deposits to total assets | 51.5249% | 4,748 |
| Equity capital to assets | 48.3535% | 36 |
| Core capital (leverage) ratio | 55.2004% | 34 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 133.6661% | 23 |
| Memoranda: | ||
| Average total assets | $79,055,500 | 4,237 |
| Average earning assets | $76,680,500 | 4,177 |
| Average equity | $42,829,000 | 1,953 |
| Average total loans | $14,894,500 | 4,600 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.0687% | 4,833 |
| Cost of funding earning assets | 0.0262% | 4,768 |
| Net interest margin | 0.0426% | 4,831 |
| Noninterest income to average assets | 0.0015% | 4,806 |
| Noninterest expense to average assets | 2.9509% | 1,062 |
| Loan and lease loss provision to assets | 0.0733% | 1,633 |
| Net operating income to assets | -2.2282% | 4,817 |
| Return on assets (ROA) | -2.2282% | 4,817 |
| Pretax return on assets | -2.9847% | 4,821 |
| Return on Equity (ROE) | -3.4662% | 4,758 |
| Retained earnings to average equity (ytd only) | -3.4662% | 4,669 |
| Net charge-offs to loans | 0.3698% | 228 |
| Credit loss provision to net charge-offs | 500.0000% | 798 |
| Earnings coverage of net charge-offs (x) | -198.6000% | 2,701 |
| Efficiency ratio | 7,455.5556% | 1 |
| Assets per employee ($millions) | 3.3790% | 4,619 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7488% | 4,352 |
| 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 | 7.4718% | 4,790 |
| Net loans and leases to deposits | 19.3758% | 4,747 |
| Net loans and leases to core deposits | 19.3758% | 4,747 |
| Total domestic deposits to total assets | 38.5626% | 4,807 |
| Equity capital to assets | 61.3275% | 29 |
| Core capital (leverage) ratio | 60.0327% | 26 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 483.8430% | 2 |
| Memoranda: | ||
| Average total assets | $68,215,500 | 4,355 |
| Average earning assets | $61,095,000 | 4,373 |
| Average equity | $43,851,500 | 1,954 |
| Average total loans | $2,704,000 | 4,804 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.0050% | 4,913 |
| Cost of funding earning assets | 0.0000% | 4,892 |
| Net interest margin | 0.0050% | 4,909 |
| Noninterest income to average assets | 0.0000% | 4,883 |
| Noninterest expense to average assets | 2.2279% | 2,981 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | -1.6597% | 4,884 |
| Return on assets (ROA) | -1.6597% | 4,884 |
| Pretax return on assets | -2.2238% | 4,889 |
| Return on Equity (ROE) | -2.4593% | 4,811 |
| Retained earnings to average equity (ytd only) | -2.4593% | 4,716 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54,700.0000% | 1 |
| Assets per employee ($millions) | 2.9760% | 4,759 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,866 |
| 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 | 0.1008% | 4,882 |
| Net loans and leases to deposits | 0.3346% | 4,882 |
| Net loans and leases to core deposits | 0.3346% | 4,871 |
| Total domestic deposits to total assets | 30.1248% | 4,891 |
| Equity capital to assets | 67.4879% | 28 |
| Core capital (leverage) ratio | 758.6710% | 1 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 1,364.5769% | 2 |
| Memoranda: | ||
| Average total assets | $65,471,000 | 4,444 |
| Average earning assets | $53,091,000 | 4,533 |
| Average equity | $44,185,000 | 1,969 |
| Average total loans | $66,000 | 4,882 |