Home > Agility Bank > Performance and Condition Ratios
Agility Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 3 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0343% | 321 |
| Cost of funding earning assets | 2.1150% | 1,615 |
| Net interest margin | 4.9193% | 342 |
| Noninterest income to average assets | 1.4200% | 363 |
| Noninterest expense to average assets | 6.8162% | 152 |
| Loan and lease loss provision to assets | 1.6600% | 49 |
| Net operating income to assets | -2.3648% | 4,411 |
| Return on assets (ROA) | -2.3648% | 4,447 |
| Pretax return on assets | -2.3648% | 4,442 |
| Return on Equity (ROE) | -9.2100% | 4,381 |
| Retained earnings to average equity (ytd only) | -9.2142% | 4,231 |
| Net charge-offs to loans | 0.0000% | 2,326 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 111.4903% | 164 |
| Assets per employee ($millions) | 4.5149% | 3,909 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1391% | 319 |
| Loan loss allowance to noncurrent loans | 491.7062% | 1,153 |
| Noncurrent assets plus other real estate owned to assets | 0.3338% | 1,975 |
| Noncurrent loans to loans | 0.4350% | 2,031 |
| Net loans and leases to total assets | 75.0900% | 1,197 |
| Net loans and leases to deposits | 101.3668% | 360 |
| Net loans and leases to core deposits | 130.6878% | 327 |
| Total domestic deposits to total assets | 74.0800% | 4,068 |
| Equity capital to assets | 23.0934% | 224 |
| Core capital (leverage) ratio | 25.7155% | 159 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $115,019,500 | 3,648 |
| Average earning assets | $109,691,500 | 3,616 |
| Average equity | $29,519,500 | 2,449 |
| Average total loans | $91,241,000 | 3,311 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 2 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2740% | 294 |
| Cost of funding earning assets | 1.8049% | 2,712 |
| Net interest margin | 5.4692% | 183 |
| Noninterest income to average assets | 0.0900% | 4,243 |
| Noninterest expense to average assets | 9.9239% | 117 |
| Loan and lease loss provision to assets | 1.4900% | 46 |
| Net operating income to assets | -6.2059% | 4,461 |
| Return on assets (ROA) | -6.2059% | 4,499 |
| Pretax return on assets | -6.2059% | 4,500 |
| Return on Equity (ROE) | -16.2000% | 4,438 |
| Retained earnings to average equity (ytd only) | -16.2004% | 4,440 |
| Net charge-offs to loans | 0.5988% | 248 |
| Credit loss provision to net charge-offs | 348.3784% | 795 |
| Earnings coverage of net charge-offs (x) | -10.9757% | 4,463 |
| Efficiency ratio | 190.4253% | 55 |
| Assets per employee ($millions) | 3.4541% | 4,223 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8671% | 477 |
| Loan loss allowance to noncurrent loans | 1,662.5000% | 499 |
| Noncurrent assets plus other real estate owned to assets | 0.0926% | 3,035 |
| Noncurrent loans to loans | 0.1123% | 3,072 |
| Net loans and leases to total assets | 80.9500% | 540 |
| Net loans and leases to deposits | 121.1485% | 68 |
| Net loans and leases to core deposits | 145.7120% | 192 |
| Total domestic deposits to total assets | 66.8200% | 4,269 |
| Equity capital to assets | 28.8018% | 163 |
| Core capital (leverage) ratio | 31.1566% | 113 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $86,175,800 | 3,897 |
| Average earning assets | $80,670,400 | 3,866 |
| Average equity | $33,011,600 | 2,258 |
| Average total loans | $61,789,600 | 3,668 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2111% | 312 |
| Cost of funding earning assets | 1.7761% | 2,781 |
| Net interest margin | 5.4350% | 201 |
| Noninterest income to average assets | 0.0800% | 4,299 |
| Noninterest expense to average assets | 8.3912% | 129 |
| Loan and lease loss provision to assets | 1.5200% | 44 |
| Net operating income to assets | -4.7619% | 4,493 |
| Return on assets (ROA) | -4.7619% | 4,526 |
| Pretax return on assets | -4.7619% | 4,525 |
| Return on Equity (ROE) | -11.5300% | 4,456 |
| Retained earnings to average equity (ytd only) | -11.5252% | 4,445 |
| Net charge-offs to loans | 0.2983% | 429 |
| Credit loss provision to net charge-offs | 748.0000% | 488 |
| Earnings coverage of net charge-offs (x) | -15.9120% | 4,504 |
| Efficiency ratio | 162.9430% | 67 |
| Assets per employee ($millions) | 3.0333% | 4,311 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1685% | 308 |
| Loan loss allowance to noncurrent loans | 8,261.1111% | 133 |
| Noncurrent assets plus other real estate owned to assets | 0.0205% | 3,624 |
| Noncurrent loans to loans | 0.0262% | 3,618 |
| Net loans and leases to total assets | 76.2600% | 1,088 |
| Net loans and leases to deposits | 127.1122% | 51 |
| Net loans and leases to core deposits | 160.1289% | 125 |
| Total domestic deposits to total assets | 60.0000% | 4,363 |
| Equity capital to assets | 36.7256% | 139 |
| Core capital (leverage) ratio | 37.5310% | 94 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $81,814,250 | 3,948 |
| Average earning assets | $76,269,500 | 3,934 |
| Average equity | $33,803,250 | 2,219 |
| Average total loans | $55,867,500 | 3,751 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 2 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0428% | 350 |
| Cost of funding earning assets | 1.6893% | 2,881 |
| Net interest margin | 5.3535% | 217 |
| Noninterest income to average assets | 0.0800% | 4,310 |
| Noninterest expense to average assets | 8.0764% | 132 |
| Loan and lease loss provision to assets | 1.1200% | 60 |
| Net operating income to assets | -4.1372% | 4,506 |
| Return on assets (ROA) | -4.1372% | 4,543 |
| Pretax return on assets | -4.1372% | 4,541 |
| Return on Equity (ROE) | -9.6200% | 4,462 |
| Retained earnings to average equity (ytd only) | -9.6203% | 4,431 |
| Net charge-offs to loans | 0.4842% | 257 |
| Credit loss provision to net charge-offs | 359.2000% | 754 |
| Earnings coverage of net charge-offs (x) | -9.6160% | 4,523 |
| Efficiency ratio | 159.5344% | 73 |
| Assets per employee ($millions) | 2.9646% | 4,342 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8210% | 541 |
| Loan loss allowance to noncurrent loans | 7,700.0000% | 151 |
| Noncurrent assets plus other real estate owned to assets | 0.0157% | 3,634 |
| Noncurrent loans to loans | 0.0236% | 3,598 |
| Net loans and leases to total assets | 65.0200% | 2,448 |
| Net loans and leases to deposits | 115.6817% | 133 |
| Net loans and leases to core deposits | 142.1322% | 241 |
| Total domestic deposits to total assets | 56.2000% | 4,388 |
| Equity capital to assets | 40.3530% | 140 |
| Core capital (leverage) ratio | 40.5395% | 93 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $79,763,667 | 3,985 |
| Average earning assets | $74,232,000 | 3,967 |
| Average equity | $34,302,333 | 2,164 |
| Average total loans | $51,632,333 | 3,816 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7376% | 451 |
| Cost of funding earning assets | 1.6858% | 2,789 |
| Net interest margin | 5.0518% | 304 |
| Noninterest income to average assets | 0.1400% | 4,022 |
| Noninterest expense to average assets | 8.1034% | 130 |
| Loan and lease loss provision to assets | 0.9600% | 85 |
| Net operating income to assets | -4.2232% | 4,570 |
| Return on assets (ROA) | -4.2232% | 4,568 |
| Pretax return on assets | -4.2232% | 4,568 |
| Return on Equity (ROE) | -9.5100% | 4,481 |
| Retained earnings to average equity (ytd only) | -9.5087% | 4,295 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 167.5132% | 42 |
| Assets per employee ($millions) | 3.4627% | 4,288 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7762% | 571 |
| Loan loss allowance to noncurrent loans | 2,618.1818% | 398 |
| Noncurrent assets plus other real estate owned to assets | 0.0414% | 3,414 |
| Noncurrent loans to loans | 0.0678% | 3,288 |
| Net loans and leases to total assets | 59.9900% | 2,861 |
| Net loans and leases to deposits | 112.1623% | 147 |
| Net loans and leases to core deposits | 131.9379% | 375 |
| Total domestic deposits to total assets | 53.4900% | 4,452 |
| Equity capital to assets | 43.0647% | 135 |
| Core capital (leverage) ratio | 44.7002% | 90 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $78,140,500 | 4,029 |
| Average earning assets | $72,607,500 | 4,012 |
| Average equity | $34,705,000 | 2,153 |
| Average total loans | $49,963,500 | 3,847 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0782% | 573 |
| Cost of funding earning assets | 1.3246% | 2,444 |
| Net interest margin | 4.7536% | 445 |
| Noninterest income to average assets | 0.1700% | 3,940 |
| Noninterest expense to average assets | 7.9667% | 134 |
| Loan and lease loss provision to assets | 0.7700% | 97 |
| Net operating income to assets | -4.2196% | 4,589 |
| Return on assets (ROA) | -4.2196% | 4,585 |
| Pretax return on assets | -4.2196% | 4,583 |
| Return on Equity (ROE) | -7.9100% | 4,490 |
| Retained earnings to average equity (ytd only) | -7.9078% | 4,441 |
| Net charge-offs to loans | 0.0568% | 1,289 |
| Credit loss provision to net charge-offs | 2,610.0000% | 181 |
| Earnings coverage of net charge-offs (x) | -117.8500% | 4,594 |
| Efficiency ratio | 176.3277% | 23 |
| Assets per employee ($millions) | 3.1933% | 4,353 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3201% | 1,680 |
| Loan loss allowance to noncurrent loans | 3,385.0000% | 333 |
| Noncurrent assets plus other real estate owned to assets | 0.0261% | 3,519 |
| Noncurrent loans to loans | 0.0390% | 3,444 |
| Net loans and leases to total assets | 66.0300% | 2,253 |
| Net loans and leases to deposits | 130.7446% | 43 |
| Net loans and leases to core deposits | 148.1874% | 218 |
| Total domestic deposits to total assets | 50.5000% | 4,469 |
| Equity capital to assets | 45.8154% | 133 |
| Core capital (leverage) ratio | 46.4412% | 87 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $68,347,000 | 4,129 |
| Average earning assets | $62,584,000 | 4,111 |
| Average equity | $36,470,400 | 2,000 |
| Average total loans | $35,187,200 | 4,067 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7913% | 701 |
| Cost of funding earning assets | 1.1860% | 2,472 |
| Net interest margin | 4.6052% | 521 |
| Noninterest income to average assets | 0.1800% | 3,904 |
| Noninterest expense to average assets | 8.0170% | 133 |
| Loan and lease loss provision to assets | 0.8900% | 74 |
| Net operating income to assets | -4.5225% | 4,614 |
| Return on assets (ROA) | -4.5225% | 4,613 |
| Pretax return on assets | -4.5225% | 4,612 |
| Return on Equity (ROE) | -8.1400% | 4,530 |
| Retained earnings to average equity (ytd only) | -8.1425% | 4,486 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 182.7982% | 23 |
| Assets per employee ($millions) | 2.8820% | 4,413 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3183% | 1,783 |
| Loan loss allowance to noncurrent loans | 1,452.3810% | 671 |
| Noncurrent assets plus other real estate owned to assets | 0.0561% | 3,251 |
| Noncurrent loans to loans | 0.0908% | 3,125 |
| Net loans and leases to total assets | 60.9400% | 2,753 |
| Net loans and leases to deposits | 125.7830% | 55 |
| Net loans and leases to core deposits | 140.3159% | 216 |
| Total domestic deposits to total assets | 48.4500% | 4,503 |
| Equity capital to assets | 47.6459% | 135 |
| Core capital (leverage) ratio | 50.0468% | 84 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $66,274,250 | 4,165 |
| Average earning assets | $60,480,500 | 4,154 |
| Average equity | $36,810,000 | 1,973 |
| Average total loans | $31,163,250 | 4,145 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4829% | 851 |
| Cost of funding earning assets | 0.9966% | 2,610 |
| Net interest margin | 4.4863% | 618 |
| Noninterest income to average assets | 0.1600% | 3,996 |
| Noninterest expense to average assets | 8.2066% | 129 |
| Loan and lease loss provision to assets | 1.1100% | 57 |
| Net operating income to assets | -5.0830% | 4,645 |
| Return on assets (ROA) | -5.0830% | 4,645 |
| Pretax return on assets | -5.0830% | 4,645 |
| Return on Equity (ROE) | -8.6700% | 4,571 |
| Retained earnings to average equity (ytd only) | -8.6661% | 4,492 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 193.8152% | 21 |
| Assets per employee ($millions) | 3.2930% | 4,387 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2574% | 2,140 |
| 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 | 59.0500% | 2,864 |
| Net loans and leases to deposits | 136.7332% | 35 |
| Net loans and leases to core deposits | 147.5217% | 154 |
| Total domestic deposits to total assets | 43.1800% | 4,538 |
| Equity capital to assets | 52.5436% | 124 |
| Core capital (leverage) ratio | 55.0195% | 79 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $63,388,333 | 4,216 |
| Average earning assets | $57,597,667 | 4,210 |
| Average equity | $37,179,333 | 1,975 |
| Average total loans | $26,126,667 | 4,227 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0314% | 1,172 |
| Cost of funding earning assets | 0.7459% | 2,905 |
| Net interest margin | 4.2854% | 825 |
| Noninterest income to average assets | 0.1100% | 4,318 |
| Noninterest expense to average assets | 7.9993% | 134 |
| Loan and lease loss provision to assets | 0.6700% | 102 |
| Net operating income to assets | -4.6806% | 4,668 |
| Return on assets (ROA) | -4.6806% | 4,666 |
| Pretax return on assets | -4.6806% | 4,663 |
| Return on Equity (ROE) | -7.5300% | 4,580 |
| Retained earnings to average equity (ytd only) | -7.5317% | 4,416 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 200.6633% | 24 |
| Assets per employee ($millions) | 3.3367% | 4,447 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1987% | 2,560 |
| 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 | 34.9700% | 4,225 |
| Net loans and leases to deposits | 95.6267% | 672 |
| Net loans and leases to core deposits | 99.3814% | 1,119 |
| Total domestic deposits to total assets | 36.5700% | 4,597 |
| Equity capital to assets | 58.7883% | 75 |
| Core capital (leverage) ratio | 62.2745% | 70 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $60,505,500 | 4,302 |
| Average earning assets | $54,697,000 | 4,295 |
| Average equity | $37,601,000 | 1,975 |
| Average total loans | $18,513,000 | 4,413 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1614% | 4,584 |
| Cost of funding earning assets | 0.2241% | 3,562 |
| Net interest margin | 1.9373% | 4,568 |
| Noninterest income to average assets | 0.1100% | 4,393 |
| Noninterest expense to average assets | 17.7045% | 73 |
| Loan and lease loss provision to assets | 0.3900% | 183 |
| Net operating income to assets | -16.2072% | 4,724 |
| Return on assets (ROA) | -16.2072% | 4,724 |
| Pretax return on assets | -16.2072% | 4,724 |
| Return on Equity (ROE) | -20.3600% | 4,689 |
| Retained earnings to average equity (ytd only) | -20.3565% | 4,693 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 939.8593% | 5 |
| Assets per employee ($millions) | 3.6009% | 4,415 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1999% | 2,384 |
| 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 | 25.0100% | 4,492 |
| Net loans and leases to deposits | 85.4179% | 1,359 |
| Net loans and leases to core deposits | 86.7028% | 1,696 |
| Total domestic deposits to total assets | 29.2800% | 4,631 |
| Equity capital to assets | 65.8382% | 74 |
| Core capital (leverage) ratio | 73.9392% | 61 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $45,282,333 | 4,485 |
| Average earning assets | $41,501,333 | 4,465 |
| Average equity | $36,052,333 | 2,069 |
| Average total loans | $8,599,667 | 4,582 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5147% | 4,663 |
| Cost of funding earning assets | 0.2243% | 2,994 |
| Net interest margin | 1.2904% | 4,662 |
| Noninterest income to average assets | 0.0600% | 4,582 |
| Noninterest expense to average assets | 23.7429% | 66 |
| Loan and lease loss provision to assets | 0.4300% | 126 |
| Net operating income to assets | -22.9150% | 4,763 |
| Return on assets (ROA) | -22.9150% | 4,763 |
| Pretax return on assets | -22.9150% | 4,763 |
| Return on Equity (ROE) | -25.6000% | 4,733 |
| Retained earnings to average equity (ytd only) | -25.5967% | 4,738 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 1,880.7588% | 3 |
| Assets per employee ($millions) | 2.9255% | 4,578 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2072% | 2,488 |
| 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 | 23.6800% | 4,553 |
| Net loans and leases to deposits | 180.3714% | 6 |
| Net loans and leases to core deposits | 188.5522% | 27 |
| Total domestic deposits to total assets | 13.1300% | 4,684 |
| Equity capital to assets | 86.5962% | 44 |
| Core capital (leverage) ratio | 95.3845% | 25 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $38,972,000 | 4,573 |
| Average earning assets | $36,266,000 | 4,551 |
| Average equity | $34,889,000 | 2,145 |
| Average total loans | $5,607,000 | 4,652 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.4261% | 4,763 |
| Cost of funding earning assets | 0.3689% | 1,117 |
| Net interest margin | 0.0572% | 4,768 |
| Noninterest income to average assets | 0.0705% | 4,582 |
| Noninterest expense to average assets | 34.5791% | 25 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | -34.4558% | 4,770 |
| Return on assets (ROA) | -34.4558% | 4,770 |
| Pretax return on assets | -34.4558% | 4,770 |
| Return on Equity (ROE) | -36.9324% | 4,763 |
| Retained earnings to average equity (ytd only) | -36.9324% | 4,755 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 28,042.8571% | 1 |
| Assets per employee ($millions) | 2.2707% | 4,679 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,721 |
| 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 | 2.0375% | 4,733 |
| Net loans and leases to deposits | 31.5025% | 4,513 |
| Net loans and leases to core deposits | 31.5025% | 4,540 |
| Total domestic deposits to total assets | 6.4678% | 4,755 |
| Equity capital to assets | 93.2944% | 9 |
| Core capital (leverage) ratio | 114.9438% | 3 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $34,061,000 | 4,655 |
| Average earning assets | $31,447,000 | 4,645 |
| Average equity | $31,777,000 | 2,323 |
| Average total loans | $694,000 | 4,738 |