Home > Bank of Burlington > Performance and Condition Ratios

Bank of Burlington, Performance and Condition Ratios

2025-03-31Rank
Percentage of unprofitable institutions0.0000%303
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2920%2,529
Cost of funding earning assets2.9108%387
Net interest margin2.3812%4,116
Noninterest income to average assets0.0300%4,340
Noninterest expense to average assets2.2650%2,939
Loan and lease loss provision to assets0.0800%1,535
Net operating income to assets0.0209%4,148
Return on assets (ROA)0.0209%4,177
Pretax return on assets0.0209%4,171
Return on Equity (ROE)0.2300%4,167
Retained earnings to average equity (ytd only)0.2302%3,628
Net charge-offs to loans0.0000%2,326
Credit loss provision to net charge-offs0.0000%1,760
Earnings coverage of net charge-offs (x)0.0000%2,230
Efficiency ratio95.8228%339
Assets per employee ($millions)11.8950%461
Cash dividends to net income (ytd only)*0.0000%2,332
Condition Ratios (%)
Loss allowance to loans0.8174%3,824
Loan loss allowance to noncurrent loans0.0000%3,773
Noncurrent assets plus other real estate owned to assets0.0000%3,816
Noncurrent loans to loans0.0000%3,787
Net loans and leases to total assets51.9800%3,469
Net loans and leases to deposits57.3956%3,585
Net loans and leases to core deposits68.1063%3,385
Total domestic deposits to total assets90.5600%640
Equity capital to assets9.1112%2,856
Core capital (leverage) ratio9.2625%3,526
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio17.8288%908
Memoranda:
Average total assets$267,371,5002,637
Average earning assets$262,054,5002,568
Average equity$24,323,5002,741
Average total loans$140,477,0002,851
2024-12-31Rank
Percentage of unprofitable institutions100.0000%2
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3998%2,331
Cost of funding earning assets3.3424%258
Net interest margin2.0574%4,231
Noninterest income to average assets0.0300%4,404
Noninterest expense to average assets2.7160%1,715
Loan and lease loss provision to assets0.2700%458
Net operating income to assets-0.9250%4,394
Return on assets (ROA)-0.9250%4,428
Pretax return on assets-0.9250%4,416
Return on Equity (ROE)-7.6000%4,392
Retained earnings to average equity (ytd only)-7.5956%4,361
Net charge-offs to loans0.0000%3,099
Credit loss provision to net charge-offs0.0000%2,577
Earnings coverage of net charge-offs (x)0.0000%2,991
Efficiency ratio131.5993%107
Assets per employee ($millions)11.8708%444
Cash dividends to net income (ytd only)*0.0000%3,369
Condition Ratios (%)
Loss allowance to loans0.8003%3,876
Loan loss allowance to noncurrent loans0.0000%3,770
Noncurrent assets plus other real estate owned to assets0.0000%3,816
Noncurrent loans to loans0.0000%3,787
Net loans and leases to total assets52.2600%3,509
Net loans and leases to deposits57.7119%3,631
Net loans and leases to core deposits66.2835%3,513
Total domestic deposits to total assets90.5500%651
Equity capital to assets9.0827%2,763
Core capital (leverage) ratio9.7699%2,960
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio17.8315%909
Memoranda:
Average total assets$213,290,0002,910
Average earning assets$210,748,6002,825
Average equity$25,975,4002,579
Average total loans$102,138,2003,191
2024-09-30Rank
Percentage of unprofitable institutions100.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3558%2,355
Cost of funding earning assets3.3710%258
Net interest margin1.9848%4,279
Noninterest income to average assets0.0300%4,423
Noninterest expense to average assets2.8345%1,401
Loan and lease loss provision to assets0.2000%591
Net operating income to assets-1.0464%4,437
Return on assets (ROA)-1.0470%4,464
Pretax return on assets-1.0470%4,461
Return on Equity (ROE)-7.9400%4,435
Retained earnings to average equity (ytd only)-7.9428%4,405
Net charge-offs to loans0.0000%2,849
Credit loss provision to net charge-offs0.0000%2,285
Earnings coverage of net charge-offs (x)0.0000%2,734
Efficiency ratio142.2872%93
Assets per employee ($millions)12.2780%400
Cash dividends to net income (ytd only)*0.0000%3,021
Condition Ratios (%)
Loss allowance to loans0.7874%3,931
Loan loss allowance to noncurrent loans0.0000%3,813
Noncurrent assets plus other real estate owned to assets0.0000%3,861
Noncurrent loans to loans0.0000%3,830
Net loans and leases to total assets43.0500%3,933
Net loans and leases to deposits48.2426%3,997
Net loans and leases to core deposits53.5667%3,964
Total domestic deposits to total assets89.2400%819
Equity capital to assets10.3972%2,047
Core capital (leverage) ratio10.9149%2,095
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%2,827
Memoranda:
Average total assets$201,323,2502,986
Average earning assets$198,907,5002,898
Average equity$26,539,2502,541
Average total loans$93,279,2503,286
2024-06-30Rank
Percentage of unprofitable institutions100.0000%2
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3543%2,247
Cost of funding earning assets3.2610%289
Net interest margin2.0933%4,247
Noninterest income to average assets0.0300%4,441
Noninterest expense to average assets3.0983%965
Loan and lease loss provision to assets0.2500%416
Net operating income to assets-1.2483%4,465
Return on assets (ROA)-1.2494%4,497
Pretax return on assets-1.2494%4,491
Return on Equity (ROE)-8.6200%4,450
Retained earnings to average equity (ytd only)-8.6201%4,411
Net charge-offs to loans0.0000%2,619
Credit loss provision to net charge-offs0.0000%2,036
Earnings coverage of net charge-offs (x)0.0000%2,538
Efficiency ratio147.6240%85
Assets per employee ($millions)10.4033%649
Cash dividends to net income (ytd only)*0.0000%2,897
Condition Ratios (%)
Loss allowance to loans0.7885%3,959
Loan loss allowance to noncurrent loans0.0000%3,808
Noncurrent assets plus other real estate owned to assets0.0000%3,854
Noncurrent loans to loans0.0000%3,821
Net loans and leases to total assets44.9200%3,871
Net loans and leases to deposits51.4342%3,914
Net loans and leases to core deposits62.8736%3,661
Total domestic deposits to total assets87.3400%1,528
Equity capital to assets11.7883%1,246
Core capital (leverage) ratio13.4522%941
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%2,851
Memoranda:
Average total assets$182,484,6673,116
Average earning assets$180,190,6673,031
Average equity$26,449,6672,517
Average total loans$87,075,3333,348
2024-03-31Rank
Percentage of unprofitable institutions0.0000%11
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3963%2,004
Cost of funding earning assets3.1446%338
Net interest margin2.2518%4,142
Noninterest income to average assets0.0300%4,444
Noninterest expense to average assets3.3631%666
Loan and lease loss provision to assets0.1700%608
Net operating income to assets-1.2742%4,532
Return on assets (ROA)-1.2767%4,524
Pretax return on assets-1.2767%4,515
Return on Equity (ROE)-7.8400%4,457
Retained earnings to average equity (ytd only)-7.8366%4,233
Net charge-offs to loans0.0000%2,236
Credit loss provision to net charge-offs0.0000%1,619
Earnings coverage of net charge-offs (x)0.0000%2,130
Efficiency ratio149.1909%61
Assets per employee ($millions)8.0860%1,396
Cash dividends to net income (ytd only)*0.0000%2,272
Condition Ratios (%)
Loss allowance to loans0.8000%3,943
Loan loss allowance to noncurrent loans0.0000%3,825
Noncurrent assets plus other real estate owned to assets0.0000%3,894
Noncurrent loans to loans0.0000%3,844
Net loans and leases to total assets49.5900%3,630
Net loans and leases to deposits59.1382%3,566
Net loans and leases to core deposits65.6871%3,532
Total domestic deposits to total assets83.8500%2,759
Equity capital to assets15.4500%504
Core capital (leverage) ratio16.4100%440
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%2,874
Memoranda:
Average total assets$164,492,0003,258
Average earning assets$162,184,0003,172
Average equity$26,797,5002,501
Average total loans$81,153,0003,424
2023-12-31Rank
Percentage of unprofitable institutions0.0000%46
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3270%1,443
Cost of funding earning assets2.5499%334
Net interest margin2.7771%3,704
Noninterest income to average assets0.0300%4,476
Noninterest expense to average assets4.5586%278
Loan and lease loss provision to assets0.3100%350
Net operating income to assets-2.1060%4,574
Return on assets (ROA)-2.1060%4,570
Pretax return on assets-2.1060%4,563
Return on Equity (ROE)-9.2800%4,499
Retained earnings to average equity (ytd only)-9.2754%4,458
Net charge-offs to loans0.0000%2,917
Credit loss provision to net charge-offs0.0000%2,397
Earnings coverage of net charge-offs (x)0.0000%2,831
Efficiency ratio164.8924%29
Assets per employee ($millions)7.2354%1,914
Cash dividends to net income (ytd only)*0.0000%3,404
Condition Ratios (%)
Loss allowance to loans0.7904%3,988
Loan loss allowance to noncurrent loans0.0000%3,805
Noncurrent assets plus other real estate owned to assets0.0000%3,871
Noncurrent loans to loans0.0000%3,821
Net loans and leases to total assets48.2600%3,714
Net loans and leases to deposits58.7196%3,598
Net loans and leases to core deposits61.4134%3,703
Total domestic deposits to total assets82.1800%3,096
Equity capital to assets17.1883%378
Core capital (leverage) ratio18.4577%318
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%2,896
Memoranda:
Average total assets$124,358,4003,606
Average earning assets$122,357,6003,521
Average equity$28,236,0002,351
Average total loans$47,250,2003,881
2023-09-30Rank
Percentage of unprofitable institutions0.0000%10
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2902%1,302
Cost of funding earning assets2.5202%264
Net interest margin2.7700%3,777
Noninterest income to average assets0.0300%4,496
Noninterest expense to average assets4.8615%232
Loan and lease loss provision to assets0.2300%452
Net operating income to assets-2.3345%4,605
Return on assets (ROA)-2.3345%4,603
Pretax return on assets-2.3345%4,600
Return on Equity (ROE)-9.4900%4,540
Retained earnings to average equity (ytd only)-9.4884%4,499
Net charge-offs to loans0.0000%2,666
Credit loss provision to net charge-offs0.0000%2,098
Earnings coverage of net charge-offs (x)0.0000%2,572
Efficiency ratio176.4435%24
Assets per employee ($millions)6.3870%2,416
Cash dividends to net income (ytd only)*0.0000%3,002
Condition Ratios (%)
Loss allowance to loans0.7894%4,003
Loan loss allowance to noncurrent loans0.0000%3,833
Noncurrent assets plus other real estate owned to assets0.0000%3,901
Noncurrent loans to loans0.0000%3,847
Net loans and leases to total assets39.5400%4,076
Net loans and leases to deposits50.1603%3,929
Net loans and leases to core deposits50.6518%4,024
Total domestic deposits to total assets78.8300%3,723
Equity capital to assets20.3850%276
Core capital (leverage) ratio20.4639%264
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%2,911
Memoranda:
Average total assets$115,653,5003,701
Average earning assets$113,691,0003,622
Average equity$28,455,0002,328
Average total loans$39,706,2504,008
2023-06-30Rank
Percentage of unprofitable institutions0.0000%43
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0350%1,503
Cost of funding earning assets2.3883%232
Net interest margin2.6467%4,047
Noninterest income to average assets0.0300%4,529
Noninterest expense to average assets5.1199%212
Loan and lease loss provision to assets0.2400%414
Net operating income to assets-2.7252%4,632
Return on assets (ROA)-2.7252%4,632
Pretax return on assets-2.7252%4,630
Return on Equity (ROE)-10.3500%4,579
Retained earnings to average equity (ytd only)-10.3518%4,519
Net charge-offs to loans0.0000%2,455
Credit loss provision to net charge-offs0.0000%1,862
Earnings coverage of net charge-offs (x)0.0000%2,403
Efficiency ratio194.5177%20
Assets per employee ($millions)5.9961%2,712
Cash dividends to net income (ytd only)*0.0000%2,909
Condition Ratios (%)
Loss allowance to loans0.7691%4,075
Loan loss allowance to noncurrent loans0.0000%3,834
Noncurrent assets plus other real estate owned to assets0.0000%3,917
Noncurrent loans to loans0.0000%3,848
Net loans and leases to total assets36.1700%4,172
Net loans and leases to deposits47.0734%4,014
Net loans and leases to core deposits47.5735%4,082
Total domestic deposits to total assets76.8400%3,966
Equity capital to assets22.3406%221
Core capital (leverage) ratio23.4932%181
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%2,936
Memoranda:
Average total assets$109,495,3333,777
Average earning assets$107,606,3333,686
Average equity$28,826,0002,318
Average total loans$35,123,0004,093
2023-03-31Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7396%1,756
Cost of funding earning assets2.3215%143
Net interest margin2.4181%4,371
Noninterest income to average assets0.0200%4,597
Noninterest expense to average assets5.3987%208
Loan and lease loss provision to assets0.5800%122
Net operating income to assets-3.5820%4,661
Return on assets (ROA)-3.5820%4,659
Pretax return on assets-3.5820%4,655
Return on Equity (ROE)-12.4400%4,610
Retained earnings to average equity (ytd only)-12.4359%4,517
Net charge-offs to loans0.0000%2,062
Credit loss provision to net charge-offs0.0000%1,422
Earnings coverage of net charge-offs (x)0.0000%2,008
Efficiency ratio225.2059%21
Assets per employee ($millions)6.4076%2,402
Cash dividends to net income (ytd only)*0.0000%2,306
Condition Ratios (%)
Loss allowance to loans0.9994%3,524
Loan loss allowance to noncurrent loans0.0000%3,881
Noncurrent assets plus other real estate owned to assets0.0000%3,959
Noncurrent loans to loans0.0000%3,889
Net loans and leases to total assets31.8600%4,323
Net loans and leases to deposits42.9147%4,132
Net loans and leases to core deposits43.4274%4,191
Total domestic deposits to total assets74.2500%4,272
Equity capital to assets24.9009%155
Core capital (leverage) ratio28.3028%136
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%3,020
Memoranda:
Average total assets$101,283,5003,900
Average earning assets$99,417,0003,829
Average equity$29,173,5002,323
Average total loans$29,736,0004,228
2022-12-31Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets1.1539%4,680
Cost of funding earning assets0.3327%2,610
Net interest margin0.8211%4,689
Noninterest income to average assets0.0000%4,670
Noninterest expense to average assets2.7723%1,372
Loan and lease loss provision to assets0.3600%200
Net operating income to assets-1.8651%4,689
Return on assets (ROA)-1.8651%4,687
Pretax return on assets-2.3306%4,691
Return on Equity (ROE)-3.8700%4,613
Retained earnings to average equity (ytd only)-3.8703%4,546
Net charge-offs to loans0.0000%2,620
Credit loss provision to net charge-offs0.0000%1,979
Earnings coverage of net charge-offs (x)0.0000%2,564
Efficiency ratio347.6096%18
Assets per employee ($millions)4.6065%3,965
Cash dividends to net income (ytd only)*0.0000%3,453
Condition Ratios (%)
Loss allowance to loans1.0022%3,371
Loan loss allowance to noncurrent loans0.0000%3,900
Noncurrent assets plus other real estate owned to assets0.0000%3,976
Noncurrent loans to loans0.0000%3,914
Net loans and leases to total assets25.2800%4,488
Net loans and leases to deposits38.9972%4,272
Net loans and leases to core deposits39.5196%4,290
Total domestic deposits to total assets64.8300%4,541
Equity capital to assets34.1853%110
Core capital (leverage) ratio50.4774%87
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%3,055
Memoranda:
Average total assets$62,944,5004,308
Average earning assets$61,013,0004,249
Average equity$30,333,5002,320
Average total loans$14,999,5004,483
2022-09-30Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets0.5758%4,732
Cost of funding earning assets0.0073%4,677
Net interest margin0.5685%4,730
Noninterest income to average assets0.0000%4,708
Noninterest expense to average assets2.0643%3,307
Loan and lease loss provision to assets0.2600%302
Net operating income to assets-1.2685%4,713
Return on assets (ROA)-1.2685%4,710
Pretax return on assets-1.7863%4,714
Return on Equity (ROE)-1.5800%4,607
Retained earnings to average equity (ytd only)-1.5828%4,464
Net charge-offs to loans0.0000%2,349
Credit loss provision to net charge-offs0.0000%1,679
Earnings coverage of net charge-offs (x)0.0000%2,297
Efficiency ratio380.7692%17
Assets per employee ($millions)2.5577%4,612
Cash dividends to net income (ytd only)*0.0000%3,071
Condition Ratios (%)
Loss allowance to loans0.9937%3,515
Loan loss allowance to noncurrent loans0.0000%3,983
Noncurrent assets plus other real estate owned to assets0.0000%4,052
Noncurrent loans to loans0.0000%3,992
Net loans and leases to total assets19.7400%4,595
Net loans and leases to deposits113.1839%93
Net loans and leases to core deposits113.1839%386
Total domestic deposits to total assets17.4400%4,678
Equity capital to assets80.1413%59
Core capital (leverage) ratio96.3584%21
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%3,120
Memoranda:
Average total assets$38,366,0004,578
Average earning assets$36,587,0004,543
Average equity$30,747,0002,335
Average total loans$7,648,0004,625