Home > Classic City Bank > Performance and Condition Ratios
Classic City Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7458% | 1,580 |
| Cost of funding earning assets | 1.0620% | 3,928 |
| Net interest margin | 4.6838% | 471 |
| Noninterest income to average assets | 0.2100% | 3,487 |
| Noninterest expense to average assets | 2.0348% | 3,490 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 1.9748% | 477 |
| Return on assets (ROA) | 1.9748% | 476 |
| Pretax return on assets | 2.6202% | 272 |
| Return on Equity (ROE) | 18.0300% | 639 |
| Retained earnings to average equity (ytd only) | 18.0302% | 238 |
| 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 | 43.7119% | 4,183 |
| Assets per employee ($millions) | 13.9216% | 290 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0069% | 3,186 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,773 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 60.0300% | 2,873 |
| Net loans and leases to deposits | 68.0439% | 2,989 |
| Net loans and leases to core deposits | 73.0479% | 3,126 |
| Total domestic deposits to total assets | 88.2200% | 1,479 |
| Equity capital to assets | 10.7563% | 1,788 |
| Core capital (leverage) ratio | 11.3362% | 1,811 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $239,826,500 | 2,790 |
| Average earning assets | $227,505,500 | 2,753 |
| Average equity | $26,267,000 | 2,627 |
| Average total loans | $152,549,500 | 2,746 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8489% | 1,513 |
| Cost of funding earning assets | 1.0345% | 4,006 |
| Net interest margin | 4.8144% | 428 |
| Noninterest income to average assets | 0.2000% | 3,704 |
| Noninterest expense to average assets | 2.0842% | 3,414 |
| Loan and lease loss provision to assets | 0.0100% | 2,986 |
| Net operating income to assets | 2.0527% | 358 |
| Return on assets (ROA) | 1.7260% | 620 |
| Pretax return on assets | 2.2324% | 424 |
| Return on Equity (ROE) | 16.3600% | 746 |
| Retained earnings to average equity (ytd only) | 15.9300% | 110 |
| Net charge-offs to loans | 0.0000% | 3,099 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 43.9567% | 4,233 |
| Assets per employee ($millions) | 13.4744% | 303 |
| Cash dividends to net income (ytd only)* | 2.6103% | 3,327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9991% | 3,243 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 66.1900% | 2,337 |
| Net loans and leases to deposits | 75.3622% | 2,523 |
| Net loans and leases to core deposits | 80.9047% | 2,717 |
| Total domestic deposits to total assets | 87.8300% | 1,581 |
| Equity capital to assets | 11.1671% | 1,519 |
| Core capital (leverage) ratio | 11.1273% | 1,904 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $221,959,400 | 2,869 |
| Average earning assets | $209,371,800 | 2,833 |
| Average equity | $23,421,200 | 2,734 |
| Average total loans | $144,317,800 | 2,781 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7900% | 1,571 |
| Cost of funding earning assets | 1.0096% | 4,040 |
| Net interest margin | 4.7804% | 440 |
| Noninterest income to average assets | 0.1800% | 3,801 |
| Noninterest expense to average assets | 2.0376% | 3,472 |
| Loan and lease loss provision to assets | 0.0100% | 2,797 |
| Net operating income to assets | 2.0156% | 422 |
| Return on assets (ROA) | 1.8439% | 554 |
| Pretax return on assets | 2.4276% | 358 |
| Return on Equity (ROE) | 17.7400% | 617 |
| Retained earnings to average equity (ytd only) | 17.7431% | 153 |
| Net charge-offs to loans | 0.0000% | 2,849 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 43.4418% | 4,248 |
| Assets per employee ($millions) | 14.9588% | 220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9994% | 3,260 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,861 |
| Noncurrent loans to loans | 0.0000% | 3,830 |
| Net loans and leases to total assets | 62.8300% | 2,651 |
| Net loans and leases to deposits | 70.8860% | 2,912 |
| Net loans and leases to core deposits | 75.7445% | 3,082 |
| Total domestic deposits to total assets | 88.6300% | 1,039 |
| Equity capital to assets | 10.4036% | 2,040 |
| Core capital (leverage) ratio | 10.8015% | 2,177 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $220,183,000 | 2,874 |
| Average earning assets | $207,594,500 | 2,838 |
| Average equity | $22,881,500 | 2,765 |
| Average total loans | $142,111,500 | 2,795 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7128% | 1,585 |
| Cost of funding earning assets | 0.9807% | 4,045 |
| Net interest margin | 4.7321% | 459 |
| Noninterest income to average assets | 0.1900% | 3,743 |
| Noninterest expense to average assets | 2.0599% | 3,425 |
| Loan and lease loss provision to assets | 0.0100% | 2,670 |
| Net operating income to assets | 1.9589% | 466 |
| Return on assets (ROA) | 1.9589% | 467 |
| Pretax return on assets | 2.5819% | 305 |
| Return on Equity (ROE) | 18.8600% | 529 |
| Retained earnings to average equity (ytd only) | 18.8575% | 155 |
| Net charge-offs to loans | 0.0000% | 2,619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 44.2613% | 4,241 |
| Assets per employee ($millions) | 13.8388% | 261 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0193% | 3,179 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,854 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 66.5700% | 2,280 |
| Net loans and leases to deposits | 75.2918% | 2,604 |
| Net loans and leases to core deposits | 80.7806% | 2,761 |
| Total domestic deposits to total assets | 88.4200% | 1,179 |
| Equity capital to assets | 10.5131% | 1,793 |
| Core capital (leverage) ratio | 10.9072% | 2,073 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $213,797,333 | 2,908 |
| Average earning assets | $201,898,667 | 2,881 |
| Average equity | $22,208,667 | 2,774 |
| Average total loans | $138,851,333 | 2,816 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5134% | 1,787 |
| Cost of funding earning assets | 0.9650% | 4,018 |
| Net interest margin | 4.5484% | 559 |
| Noninterest income to average assets | 0.2000% | 3,639 |
| Noninterest expense to average assets | 2.0058% | 3,563 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 1.8839% | 510 |
| Return on assets (ROA) | 1.8839% | 520 |
| Pretax return on assets | 2.4878% | 344 |
| Return on Equity (ROE) | 18.2500% | 586 |
| Retained earnings to average equity (ytd only) | 18.2523% | 261 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 44.6376% | 4,221 |
| Assets per employee ($millions) | 14.2623% | 254 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0527% | 3,037 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,894 |
| Noncurrent loans to loans | 0.0000% | 3,844 |
| Net loans and leases to total assets | 62.8700% | 2,577 |
| Net loans and leases to deposits | 71.0576% | 2,808 |
| Net loans and leases to core deposits | 75.5537% | 3,007 |
| Total domestic deposits to total assets | 88.4800% | 1,265 |
| Equity capital to assets | 10.3471% | 1,807 |
| Core capital (leverage) ratio | 11.2335% | 1,819 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $209,986,000 | 2,939 |
| Average earning assets | $198,134,500 | 2,909 |
| Average equity | $21,674,000 | 2,829 |
| Average total loans | $133,813,000 | 2,864 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6313% | 2,827 |
| Cost of funding earning assets | 0.8639% | 3,592 |
| Net interest margin | 3.7674% | 1,615 |
| Noninterest income to average assets | 0.1600% | 3,995 |
| Noninterest expense to average assets | 1.8700% | 3,893 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 1.3588% | 1,301 |
| Return on assets (ROA) | 1.0203% | 2,133 |
| Pretax return on assets | 1.3352% | 1,778 |
| Return on Equity (ROE) | 10.8900% | 2,258 |
| Retained earnings to average equity (ytd only) | 10.8937% | 814 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 50.5226% | 3,945 |
| Assets per employee ($millions) | 13.7359% | 271 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0866% | 2,907 |
| 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 | 63.2200% | 2,543 |
| Net loans and leases to deposits | 71.3494% | 2,797 |
| Net loans and leases to core deposits | 75.3734% | 3,011 |
| Total domestic deposits to total assets | 88.6100% | 1,179 |
| Equity capital to assets | 10.2952% | 1,844 |
| Core capital (leverage) ratio | 10.8222% | 2,083 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $206,792,400 | 2,941 |
| Average earning assets | $194,590,800 | 2,914 |
| Average equity | $19,369,000 | 2,916 |
| Average total loans | $131,919,400 | 2,845 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3995% | 3,103 |
| Cost of funding earning assets | 0.8389% | 3,431 |
| Net interest margin | 3.5605% | 2,086 |
| Noninterest income to average assets | 0.1500% | 4,067 |
| Noninterest expense to average assets | 1.8146% | 3,949 |
| Loan and lease loss provision to assets | 0.0800% | 1,428 |
| Net operating income to assets | 1.2087% | 1,773 |
| Return on assets (ROA) | 1.0642% | 2,161 |
| Pretax return on assets | 1.4185% | 1,737 |
| Return on Equity (ROE) | 11.6500% | 2,212 |
| Retained earnings to average equity (ytd only) | 11.6489% | 1,034 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 51.8498% | 3,764 |
| Assets per employee ($millions) | 13.6255% | 261 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0449% | 3,128 |
| 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 | 65.8900% | 2,251 |
| Net loans and leases to deposits | 74.0395% | 2,559 |
| Net loans and leases to core deposits | 78.1582% | 2,733 |
| Total domestic deposits to total assets | 88.9900% | 1,257 |
| Equity capital to assets | 9.7102% | 1,987 |
| Core capital (leverage) ratio | 10.3240% | 2,540 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $206,981,000 | 2,947 |
| Average earning assets | $194,685,500 | 2,922 |
| Average equity | $18,908,250 | 2,946 |
| Average total loans | $131,975,500 | 2,844 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1407% | 3,413 |
| Cost of funding earning assets | 0.8312% | 3,127 |
| Net interest margin | 3.3095% | 2,723 |
| Noninterest income to average assets | 0.1500% | 4,060 |
| Noninterest expense to average assets | 1.8032% | 3,993 |
| Loan and lease loss provision to assets | 0.0800% | 1,369 |
| Net operating income to assets | 1.0325% | 2,314 |
| Return on assets (ROA) | 1.0325% | 2,309 |
| Pretax return on assets | 1.3770% | 1,867 |
| Return on Equity (ROE) | 11.5400% | 2,288 |
| Retained earnings to average equity (ytd only) | 11.5403% | 1,070 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 55.3455% | 3,495 |
| Assets per employee ($millions) | 14.7010% | 207 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0232% | 3,324 |
| 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 | 64.5300% | 2,332 |
| Net loans and leases to deposits | 72.1050% | 2,644 |
| Net loans and leases to core deposits | 75.6676% | 2,775 |
| Total domestic deposits to total assets | 89.4900% | 1,083 |
| Equity capital to assets | 9.2880% | 2,321 |
| Core capital (leverage) ratio | 10.2866% | 2,493 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $207,847,000 | 2,947 |
| Average earning assets | $195,375,667 | 2,925 |
| Average equity | $18,595,667 | 2,976 |
| Average total loans | $130,603,667 | 2,859 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9456% | 3,567 |
| Cost of funding earning assets | 0.7965% | 2,751 |
| Net interest margin | 3.1491% | 3,238 |
| Noninterest income to average assets | 0.1100% | 4,318 |
| Noninterest expense to average assets | 1.7064% | 4,189 |
| Loan and lease loss provision to assets | 0.0800% | 1,320 |
| Net operating income to assets | 0.9537% | 2,679 |
| Return on assets (ROA) | 0.9537% | 2,643 |
| Pretax return on assets | 1.2716% | 2,254 |
| Return on Equity (ROE) | 10.8600% | 2,531 |
| Retained earnings to average equity (ytd only) | 10.8642% | 1,497 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 55.7223% | 3,431 |
| Assets per employee ($millions) | 14.1312% | 239 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0097% | 3,476 |
| 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 | 66.2100% | 2,039 |
| Net loans and leases to deposits | 74.1808% | 2,282 |
| Net loans and leases to core deposits | 78.4638% | 2,357 |
| Total domestic deposits to total assets | 89.2500% | 1,442 |
| Equity capital to assets | 9.4573% | 2,174 |
| Core capital (leverage) ratio | 10.0120% | 2,676 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $208,863,500 | 2,980 |
| Average earning assets | $195,863,500 | 2,956 |
| Average equity | $18,335,500 | 3,026 |
| Average total loans | $128,815,000 | 2,900 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9510% | 4,188 |
| Cost of funding earning assets | 0.2140% | 3,643 |
| Net interest margin | 2.7369% | 3,996 |
| Noninterest income to average assets | 0.1000% | 4,426 |
| Noninterest expense to average assets | 2.0320% | 3,494 |
| Loan and lease loss provision to assets | 0.1200% | 1,028 |
| Net operating income to assets | 0.6542% | 3,746 |
| Return on assets (ROA) | 0.6542% | 3,697 |
| Pretax return on assets | 0.5496% | 4,100 |
| Return on Equity (ROE) | 7.6500% | 3,472 |
| Retained earnings to average equity (ytd only) | 7.6486% | 1,971 |
| Net charge-offs to loans | 0.0009% | 2,551 |
| Credit loss provision to net charge-offs | 24,600.0000% | 26 |
| Earnings coverage of net charge-offs (x) | 1,371.0000% | 131 |
| Efficiency ratio | 75.2080% | 1,101 |
| Assets per employee ($millions) | 16.9146% | 146 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0302% | 3,202 |
| 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 | 56.4000% | 2,986 |
| Net loans and leases to deposits | 63.7317% | 3,063 |
| Net loans and leases to core deposits | 64.1805% | 3,251 |
| Total domestic deposits to total assets | 88.5000% | 1,886 |
| Equity capital to assets | 8.1682% | 2,952 |
| Core capital (leverage) ratio | 10.2751% | 2,387 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $204,675,800 | 3,019 |
| Average earning assets | $194,377,600 | 2,976 |
| Average equity | $17,506,400 | 3,161 |
| Average total loans | $105,836,800 | 3,072 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7469% | 4,248 |
| Cost of funding earning assets | 0.1399% | 3,939 |
| Net interest margin | 2.6071% | 4,089 |
| Noninterest income to average assets | 0.1000% | 4,457 |
| Noninterest expense to average assets | 1.6408% | 4,256 |
| Loan and lease loss provision to assets | 0.1200% | 882 |
| Net operating income to assets | 0.8277% | 3,145 |
| Return on assets (ROA) | 0.8277% | 3,111 |
| Pretax return on assets | 0.8277% | 3,512 |
| Return on Equity (ROE) | 9.5600% | 2,855 |
| Retained earnings to average equity (ytd only) | 9.5593% | 1,467 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 63.4986% | 2,622 |
| Assets per employee ($millions) | 15.2480% | 194 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0199% | 3,383 |
| 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 | 55.5100% | 2,954 |
| Net loans and leases to deposits | 60.8405% | 3,122 |
| Net loans and leases to core deposits | 61.0915% | 3,296 |
| Total domestic deposits to total assets | 91.2300% | 1,144 |
| Equity capital to assets | 7.9224% | 2,947 |
| Core capital (leverage) ratio | 9.9610% | 2,595 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $200,872,250 | 3,062 |
| Average earning assets | $191,628,750 | 3,014 |
| Average equity | $17,392,750 | 3,210 |
| Average total loans | $100,967,000 | 3,142 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4795% | 4,394 |
| Cost of funding earning assets | 0.1330% | 3,804 |
| Net interest margin | 2.3464% | 4,285 |
| Noninterest income to average assets | 0.0997% | 4,484 |
| Noninterest expense to average assets | 1.6311% | 4,257 |
| Loan and lease loss provision to assets | 0.0549% | 1,593 |
| Net operating income to assets | 0.6559% | 3,456 |
| Return on assets (ROA) | 0.6559% | 3,406 |
| Pretax return on assets | 0.6559% | 3,696 |
| Return on Equity (ROE) | 7.3492% | 3,202 |
| Retained earnings to average equity (ytd only) | 7.3492% | 1,867 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6483% | 2,009 |
| Assets per employee ($millions) | 15.1102% | 197 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0066% | 3,564 |
| 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 | 51.1839% | 3,246 |
| Net loans and leases to deposits | 56.1904% | 3,360 |
| Net loans and leases to core deposits | 56.1904% | 3,553 |
| Total domestic deposits to total assets | 91.0902% | 1,186 |
| Equity capital to assets | 8.0007% | 3,125 |
| Core capital (leverage) ratio | 9.9983% | 2,399 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $196,672,333 | 3,116 |
| Average earning assets | $187,944,667 | 3,076 |
| Average equity | $17,553,000 | 3,270 |
| Average total loans | $94,718,000 | 3,261 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2479% | 4,501 |
| Cost of funding earning assets | 0.1368% | 3,678 |
| Net interest margin | 2.1112% | 4,430 |
| Noninterest income to average assets | 0.0930% | 4,532 |
| Noninterest expense to average assets | 1.6234% | 4,260 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.4925% | 3,735 |
| Return on assets (ROA) | 0.4925% | 3,701 |
| Pretax return on assets | 0.4925% | 3,880 |
| Return on Equity (ROE) | 5.2163% | 3,563 |
| Retained earnings to average equity (ytd only) | 5.2163% | 2,506 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7233% | 1,445 |
| Assets per employee ($millions) | 17.9721% | 132 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1462% | 3,118 |
| 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 | 41.8700% | 3,888 |
| Net loans and leases to deposits | 46.0157% | 3,970 |
| Net loans and leases to core deposits | 46.0157% | 4,071 |
| Total domestic deposits to total assets | 90.9907% | 1,039 |
| Equity capital to assets | 8.1200% | 3,476 |
| Core capital (leverage) ratio | 11.1187% | 1,445 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $189,237,000 | 3,180 |
| Average earning assets | $181,322,000 | 3,131 |
| Average equity | $17,867,000 | 3,337 |
| Average total loans | $87,388,500 | 3,368 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8741% | 4,098 |
| Cost of funding earning assets | 0.1476% | 4,003 |
| Net interest margin | 2.7265% | 3,825 |
| Noninterest income to average assets | 0.0713% | 4,680 |
| Noninterest expense to average assets | 2.6417% | 1,772 |
| Loan and lease loss provision to assets | 0.7512% | 59 |
| Net operating income to assets | -0.7242% | 4,777 |
| Return on assets (ROA) | -0.7242% | 4,780 |
| Pretax return on assets | -0.7242% | 4,780 |
| Return on Equity (ROE) | -4.0610% | 4,765 |
| Retained earnings to average equity (ytd only) | -4.0610% | 4,684 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.9895% | 157 |
| Assets per employee ($millions) | 13.5674% | 270 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2537% | 2,607 |
| 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 | 50.6022% | 3,209 |
| Net loans and leases to deposits | 57.0300% | 3,334 |
| Net loans and leases to core deposits | 57.1293% | 3,540 |
| Total domestic deposits to total assets | 88.7291% | 1,650 |
| Equity capital to assets | 11.1990% | 1,663 |
| Core capital (leverage) ratio | 12.4449% | 951 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $103,836,200 | 3,955 |
| Average earning assets | $98,918,800 | 3,918 |
| Average equity | $18,517,800 | 3,345 |
| Average total loans | $57,441,400 | 3,862 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9763% | 4,051 |
| Cost of funding earning assets | 0.1423% | 4,176 |
| Net interest margin | 2.8339% | 3,698 |
| Noninterest income to average assets | 0.0449% | 4,811 |
| Noninterest expense to average assets | 2.9960% | 983 |
| Loan and lease loss provision to assets | 1.0506% | 33 |
| Net operating income to assets | -1.3199% | 4,877 |
| Return on assets (ROA) | -1.3199% | 4,877 |
| Pretax return on assets | -1.3199% | 4,872 |
| Return on Equity (ROE) | -6.3262% | 4,862 |
| Retained earnings to average equity (ytd only) | -6.3262% | 4,809 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 109.8793% | 105 |
| Assets per employee ($millions) | 11.2787% | 446 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2198% | 2,897 |
| 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 | 57.9206% | 2,505 |
| Net loans and leases to deposits | 66.9931% | 2,540 |
| Net loans and leases to core deposits | 67.1371% | 2,844 |
| Total domestic deposits to total assets | 86.4575% | 2,577 |
| Equity capital to assets | 13.4590% | 866 |
| Core capital (leverage) ratio | 14.8122% | 521 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $89,093,000 | 4,159 |
| Average earning assets | $84,309,750 | 4,130 |
| Average equity | $18,589,000 | 3,379 |
| Average total loans | $50,944,000 | 4,032 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0174% | 4,010 |
| Cost of funding earning assets | 0.1389% | 4,288 |
| Net interest margin | 2.8786% | 3,627 |
| Noninterest income to average assets | 0.0244% | 4,879 |
| Noninterest expense to average assets | 3.5290% | 449 |
| Loan and lease loss provision to assets | 1.3057% | 23 |
| Net operating income to assets | -2.1092% | 4,922 |
| Return on assets (ROA) | -2.1092% | 4,922 |
| Pretax return on assets | -2.1092% | 4,922 |
| Return on Equity (ROE) | -8.3042% | 4,902 |
| Retained earnings to average equity (ytd only) | -8.3042% | 4,845 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 129.4821% | 59 |
| Assets per employee ($millions) | 9.0853% | 833 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1929% | 2,977 |
| 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 | 56.7526% | 2,806 |
| Net loans and leases to deposits | 68.3223% | 2,586 |
| Net loans and leases to core deposits | 68.5493% | 2,910 |
| Total domestic deposits to total assets | 83.0661% | 3,693 |
| Equity capital to assets | 16.8568% | 336 |
| Core capital (leverage) ratio | 20.1156% | 175 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $73,676,000 | 4,373 |
| Average earning assets | $69,132,000 | 4,354 |
| Average equity | $18,713,333 | 3,364 |
| Average total loans | $41,472,000 | 4,249 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0671% | 3,949 |
| Cost of funding earning assets | 0.1236% | 4,503 |
| Net interest margin | 2.9435% | 3,394 |
| Noninterest income to average assets | 0.0143% | 4,914 |
| Noninterest expense to average assets | 4.5427% | 207 |
| Loan and lease loss provision to assets | 1.4642% | 21 |
| Net operating income to assets | -3.2713% | 4,961 |
| Return on assets (ROA) | -3.2713% | 4,961 |
| Pretax return on assets | -3.2713% | 4,959 |
| Return on Equity (ROE) | -9.7029% | 4,934 |
| Retained earnings to average equity (ytd only) | -9.7029% | 4,812 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 166.0574% | 23 |
| Assets per employee ($millions) | 6.1430% | 2,463 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1632% | 3,134 |
| 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 | 54.2921% | 3,215 |
| Net loans and leases to deposits | 72.7977% | 2,235 |
| Net loans and leases to core deposits | 73.1971% | 2,593 |
| Total domestic deposits to total assets | 74.5795% | 4,649 |
| Equity capital to assets | 25.3269% | 89 |
| Core capital (leverage) ratio | 35.1324% | 49 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 38.0479% | 151 |
| Memoranda: | ||
| Average total assets | $56,002,000 | 4,606 |
| Average earning assets | $51,775,500 | 4,592 |
| Average equity | $18,881,000 | 3,343 |
| Average total loans | $30,897,500 | 4,474 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.2690% | 4,990 |
| Cost of funding earning assets | 0.0029% | 4,988 |
| Net interest margin | 0.2661% | 4,987 |
| Noninterest income to average assets | 0.0026% | 4,955 |
| Noninterest expense to average assets | 2.6222% | 2,475 |
| Loan and lease loss provision to assets | 0.6947% | 236 |
| Net operating income to assets | -3.0767% | 4,976 |
| Return on assets (ROA) | -3.0767% | 4,976 |
| Pretax return on assets | -3.0767% | 4,978 |
| Return on Equity (ROE) | -6.1701% | 4,910 |
| Retained earnings to average equity (ytd only) | -6.1701% | 4,858 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 1,091.3043% | 2 |
| Assets per employee ($millions) | 3.4807% | 4,659 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2487% | 2,694 |
| 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 | 54.9415% | 3,395 |
| Net loans and leases to deposits | 109.7798% | 168 |
| Net loans and leases to core deposits | 109.7798% | 517 |
| Total domestic deposits to total assets | 50.0470% | 4,946 |
| Equity capital to assets | 49.8642% | 34 |
| Core capital (leverage) ratio | 87.6101% | 15 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 86.1811% | 35 |
| Memoranda: | ||
| Average total assets | $38,288,000 | 4,792 |
| Average earning assets | $34,196,000 | 4,792 |
| Average equity | $19,092,000 | 3,272 |
| Average total loans | $21,302,000 | 4,685 |