Home > Climate First Bank > Performance and Condition Ratios
Climate First 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 | 7.0020% | 338 |
| Cost of funding earning assets | 3.7831% | 60 |
| Net interest margin | 3.2190% | 2,971 |
| Noninterest income to average assets | 0.2600% | 3,131 |
| Noninterest expense to average assets | 2.2231% | 3,049 |
| Loan and lease loss provision to assets | 0.5200% | 177 |
| Net operating income to assets | 0.4694% | 3,620 |
| Return on assets (ROA) | 0.4694% | 3,635 |
| Pretax return on assets | 0.6243% | 3,538 |
| Return on Equity (ROE) | 5.1800% | 3,504 |
| Retained earnings to average equity (ytd only) | 5.1805% | 2,522 |
| Net charge-offs to loans | 0.0015% | 2,274 |
| Credit loss provision to net charge-offs | 37,466.6667% | 6 |
| Earnings coverage of net charge-offs (x) | 914.3333% | 111 |
| Efficiency ratio | 66.0562% | 2,232 |
| Assets per employee ($millions) | 10.7454% | 635 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9958% | 3,257 |
| 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 | 83.8100% | 256 |
| Net loans and leases to deposits | 99.2708% | 441 |
| Net loans and leases to core deposits | 124.8166% | 427 |
| Total domestic deposits to total assets | 84.4300% | 2,782 |
| Equity capital to assets | 9.1753% | 2,806 |
| Core capital (leverage) ratio | 9.8784% | 2,921 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.8794% | 2,697 |
| Memoranda: | ||
| Average total assets | $960,468,500 | 1,072 |
| Average earning assets | $926,130,500 | 1,020 |
| Average equity | $87,019,000 | 1,160 |
| Average total loans | $821,271,000 | 889 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9801% | 408 |
| Cost of funding earning assets | 3.7890% | 107 |
| Net interest margin | 3.1911% | 2,742 |
| Noninterest income to average assets | 0.1700% | 3,879 |
| Noninterest expense to average assets | 2.2384% | 3,016 |
| Loan and lease loss provision to assets | 0.3700% | 307 |
| Net operating income to assets | 0.4677% | 3,555 |
| Return on assets (ROA) | 0.4677% | 3,569 |
| Pretax return on assets | 0.6389% | 3,393 |
| Return on Equity (ROE) | 5.2600% | 3,449 |
| Retained earnings to average equity (ytd only) | 5.2551% | 2,128 |
| Net charge-offs to loans | 0.0126% | 2,446 |
| Credit loss provision to net charge-offs | 3,083.1169% | 157 |
| Earnings coverage of net charge-offs (x) | 94.0130% | 836 |
| Efficiency ratio | 68.9500% | 2,128 |
| Assets per employee ($millions) | 10.1065% | 752 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9847% | 3,308 |
| 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 | 85.6400% | 172 |
| Net loans and leases to deposits | 96.9306% | 648 |
| Net loans and leases to core deposits | 121.8490% | 546 |
| Total domestic deposits to total assets | 88.3600% | 1,380 |
| Equity capital to assets | 8.9264% | 2,879 |
| Core capital (leverage) ratio | 9.1698% | 3,550 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.2433% | 2,778 |
| Memoranda: | ||
| Average total assets | $718,132,800 | 1,322 |
| Average earning assets | $693,325,600 | 1,285 |
| Average equity | $63,919,400 | 1,416 |
| Average total loans | $610,897,000 | 1,113 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8405% | 464 |
| Cost of funding earning assets | 3.7514% | 128 |
| Net interest margin | 3.0891% | 2,927 |
| Noninterest income to average assets | 0.1700% | 3,870 |
| Noninterest expense to average assets | 2.3200% | 2,734 |
| Loan and lease loss provision to assets | 0.4300% | 230 |
| Net operating income to assets | 0.2920% | 3,874 |
| Return on assets (ROA) | 0.2920% | 3,901 |
| Pretax return on assets | 0.4034% | 3,805 |
| Return on Equity (ROE) | 3.2800% | 3,846 |
| Retained earnings to average equity (ytd only) | 3.2837% | 3,076 |
| Net charge-offs to loans | 0.0180% | 2,024 |
| Credit loss provision to net charge-offs | 2,675.3247% | 180 |
| Earnings coverage of net charge-offs (x) | 54.8312% | 1,153 |
| Efficiency ratio | 73.5679% | 1,640 |
| Assets per employee ($millions) | 9.8635% | 808 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0339% | 3,075 |
| 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 | 81.0000% | 516 |
| Net loans and leases to deposits | 88.8978% | 1,343 |
| Net loans and leases to core deposits | 112.7460% | 833 |
| Total domestic deposits to total assets | 91.1100% | 325 |
| Equity capital to assets | 8.4470% | 3,434 |
| Core capital (leverage) ratio | 9.3702% | 3,400 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.3810% | 2,812 |
| Memoranda: | ||
| Average total assets | $675,322,500 | 1,376 |
| Average earning assets | $652,392,500 | 1,330 |
| Average equity | $60,052,000 | 1,478 |
| Average total loans | $571,302,500 | 1,162 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8589% | 428 |
| Cost of funding earning assets | 3.7577% | 107 |
| Net interest margin | 3.1012% | 2,845 |
| Noninterest income to average assets | 0.1500% | 3,984 |
| Noninterest expense to average assets | 2.4834% | 2,291 |
| Loan and lease loss provision to assets | 0.5000% | 174 |
| Net operating income to assets | 0.1038% | 4,114 |
| Return on assets (ROA) | 0.1038% | 4,144 |
| Pretax return on assets | 0.1536% | 4,107 |
| Return on Equity (ROE) | 1.1400% | 4,130 |
| Retained earnings to average equity (ytd only) | 1.1412% | 3,573 |
| Net charge-offs to loans | 0.0011% | 2,556 |
| Credit loss provision to net charge-offs | 54,533.3333% | 5 |
| Earnings coverage of net charge-offs (x) | 668.6667% | 179 |
| Efficiency ratio | 79.1801% | 1,194 |
| Assets per employee ($millions) | 8.8225% | 1,071 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1348% | 2,583 |
| 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 | 87.4900% | 94 |
| Net loans and leases to deposits | 96.9737% | 718 |
| Net loans and leases to core deposits | 117.9190% | 690 |
| Total domestic deposits to total assets | 90.2300% | 648 |
| Equity capital to assets | 8.8789% | 2,824 |
| Core capital (leverage) ratio | 9.1114% | 3,632 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.2238% | 2,839 |
| Memoranda: | ||
| Average total assets | $614,388,000 | 1,492 |
| Average earning assets | $592,284,333 | 1,438 |
| Average equity | $55,907,333 | 1,551 |
| Average total loans | $527,629,333 | 1,243 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7618% | 438 |
| Cost of funding earning assets | 3.7517% | 100 |
| Net interest margin | 3.0101% | 2,974 |
| Noninterest income to average assets | 0.1700% | 3,835 |
| Noninterest expense to average assets | 2.4395% | 2,409 |
| Loan and lease loss provision to assets | 0.2400% | 402 |
| Net operating income to assets | 0.2777% | 3,857 |
| Return on assets (ROA) | 0.2777% | 3,893 |
| Pretax return on assets | 0.3879% | 3,782 |
| Return on Equity (ROE) | 3.0100% | 3,852 |
| Retained earnings to average equity (ytd only) | 3.0088% | 2,976 |
| Net charge-offs to loans | 0.0025% | 2,088 |
| Credit loss provision to net charge-offs | 10,266.6667% | 37 |
| Earnings coverage of net charge-offs (x) | 301.3333% | 306 |
| Efficiency ratio | 79.5752% | 1,238 |
| Assets per employee ($millions) | 8.7534% | 1,115 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0997% | 2,823 |
| 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 | 81.9400% | 425 |
| Net loans and leases to deposits | 90.5924% | 1,156 |
| Net loans and leases to core deposits | 113.2590% | 828 |
| Total domestic deposits to total assets | 90.4500% | 654 |
| Equity capital to assets | 9.1496% | 2,570 |
| Core capital (leverage) ratio | 9.3150% | 3,384 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.7776% | 2,830 |
| Memoranda: | ||
| Average total assets | $577,506,000 | 1,580 |
| Average earning assets | $555,588,000 | 1,528 |
| Average equity | $53,311,000 | 1,605 |
| Average total loans | $486,940,000 | 1,308 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1688% | 517 |
| Cost of funding earning assets | 3.0707% | 130 |
| Net interest margin | 3.0981% | 3,101 |
| Noninterest income to average assets | 0.2300% | 3,570 |
| Noninterest expense to average assets | 3.0887% | 979 |
| Loan and lease loss provision to assets | 0.5200% | 171 |
| Net operating income to assets | -0.3100% | 4,487 |
| Return on assets (ROA) | -0.3100% | 4,472 |
| Pretax return on assets | -0.4043% | 4,472 |
| Return on Equity (ROE) | -2.7200% | 4,436 |
| Retained earnings to average equity (ytd only) | -2.7167% | 4,312 |
| Net charge-offs to loans | 0.0003% | 2,901 |
| Credit loss provision to net charge-offs | 200,600.0000% | 1 |
| Earnings coverage of net charge-offs (x) | 454.0000% | 315 |
| Efficiency ratio | 96.4888% | 245 |
| Assets per employee ($millions) | 7.5316% | 1,707 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1321% | 2,643 |
| 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 | 85.0000% | 211 |
| Net loans and leases to deposits | 96.0677% | 778 |
| Net loans and leases to core deposits | 135.9370% | 318 |
| Total domestic deposits to total assets | 88.4800% | 1,213 |
| Equity capital to assets | 9.3235% | 2,475 |
| Core capital (leverage) ratio | 9.7220% | 3,048 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.6834% | 2,858 |
| Memoranda: | ||
| Average total assets | $403,926,600 | 1,999 |
| Average earning assets | $386,750,400 | 1,959 |
| Average equity | $46,086,000 | 1,708 |
| Average total loans | $345,794,600 | 1,627 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0391% | 506 |
| Cost of funding earning assets | 2.9003% | 136 |
| Net interest margin | 3.1388% | 3,055 |
| Noninterest income to average assets | 0.2800% | 3,257 |
| Noninterest expense to average assets | 3.3504% | 670 |
| Loan and lease loss provision to assets | 0.5600% | 135 |
| Net operating income to assets | -0.4780% | 4,535 |
| Return on assets (ROA) | -0.4780% | 4,522 |
| Pretax return on assets | -0.6227% | 4,524 |
| Return on Equity (ROE) | -3.9300% | 4,485 |
| Retained earnings to average equity (ytd only) | -3.9257% | 4,395 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 102.0451% | 151 |
| Assets per employee ($millions) | 6.5391% | 2,301 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2002% | 2,361 |
| 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 | 84.1700% | 264 |
| Net loans and leases to deposits | 101.6207% | 448 |
| Net loans and leases to core deposits | 124.2151% | 452 |
| Total domestic deposits to total assets | 82.8200% | 3,044 |
| Equity capital to assets | 9.7505% | 1,962 |
| Core capital (leverage) ratio | 9.9678% | 2,857 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.8493% | 2,846 |
| Memoranda: | ||
| Average total assets | $369,340,000 | 2,124 |
| Average earning assets | $353,421,000 | 2,078 |
| Average equity | $44,967,750 | 1,720 |
| Average total loans | $315,692,000 | 1,740 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9848% | 447 |
| Cost of funding earning assets | 2.7730% | 112 |
| Net interest margin | 3.2118% | 2,958 |
| Noninterest income to average assets | 0.3500% | 2,761 |
| Noninterest expense to average assets | 3.6909% | 441 |
| Loan and lease loss provision to assets | 0.8400% | 84 |
| Net operating income to assets | -0.8404% | 4,587 |
| Return on assets (ROA) | -0.8404% | 4,581 |
| Pretax return on assets | -1.1117% | 4,591 |
| Return on Equity (ROE) | -6.3300% | 4,558 |
| Retained earnings to average equity (ytd only) | -6.3253% | 4,457 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 107.9321% | 108 |
| Assets per employee ($millions) | 5.7878% | 2,894 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2807% | 2,009 |
| 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 | 84.9800% | 209 |
| Net loans and leases to deposits | 99.5871% | 533 |
| Net loans and leases to core deposits | 119.6854% | 520 |
| Total domestic deposits to total assets | 85.3400% | 2,446 |
| Equity capital to assets | 11.3039% | 1,270 |
| Core capital (leverage) ratio | 11.0220% | 1,909 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8084% | 2,680 |
| Memoranda: | ||
| Average total assets | $337,695,667 | 2,250 |
| Average earning assets | $322,683,000 | 2,213 |
| Average equity | $44,867,333 | 1,726 |
| Average total loans | $289,088,000 | 1,827 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6311% | 500 |
| Cost of funding earning assets | 2.3216% | 142 |
| Net interest margin | 3.3095% | 2,856 |
| Noninterest income to average assets | 0.6400% | 1,279 |
| Noninterest expense to average assets | 3.7359% | 430 |
| Loan and lease loss provision to assets | 0.9900% | 67 |
| Net operating income to assets | -0.6935% | 4,603 |
| Return on assets (ROA) | -0.6935% | 4,594 |
| Pretax return on assets | -0.9268% | 4,600 |
| Return on Equity (ROE) | -4.7600% | 4,551 |
| Retained earnings to average equity (ytd only) | -4.7575% | 4,318 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 98.4541% | 195 |
| Assets per employee ($millions) | 5.1199% | 3,558 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2889% | 2,087 |
| Loan loss allowance to noncurrent loans | 1,224.0000% | 841 |
| Noncurrent assets plus other real estate owned to assets | 0.0901% | 2,907 |
| Noncurrent loans to loans | 0.1053% | 3,011 |
| Net loans and leases to total assets | 84.5000% | 202 |
| Net loans and leases to deposits | 104.2136% | 296 |
| Net loans and leases to core deposits | 127.2493% | 316 |
| Total domestic deposits to total assets | 81.0800% | 3,626 |
| Equity capital to assets | 13.8236% | 617 |
| Core capital (leverage) ratio | 14.2145% | 701 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7205% | 2,081 |
| Memoranda: | ||
| Average total assets | $306,864,500 | 2,427 |
| Average earning assets | $292,732,000 | 2,387 |
| Average equity | $44,729,500 | 1,746 |
| Average total loans | $261,734,500 | 1,964 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2575% | 1,145 |
| Cost of funding earning assets | 0.7465% | 478 |
| Net interest margin | 3.5110% | 1,899 |
| Noninterest income to average assets | 0.0900% | 4,461 |
| Noninterest expense to average assets | 4.0790% | 316 |
| Loan and lease loss provision to assets | 1.5200% | 27 |
| Net operating income to assets | -1.6559% | 4,684 |
| Return on assets (ROA) | -1.6559% | 4,681 |
| Pretax return on assets | -2.1849% | 4,689 |
| Return on Equity (ROE) | -8.4300% | 4,649 |
| Retained earnings to average equity (ytd only) | -8.4328% | 4,616 |
| Net charge-offs to loans | 0.0031% | 2,370 |
| Credit loss provision to net charge-offs | 51,920.0000% | 12 |
| Earnings coverage of net charge-offs (x) | -276.6000% | 4,722 |
| Efficiency ratio | 119.3969% | 67 |
| Assets per employee ($millions) | 5.2025% | 3,511 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3718% | 1,597 |
| 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 | 83.7600% | 276 |
| Net loans and leases to deposits | 105.6860% | 250 |
| Net loans and leases to core deposits | 120.4048% | 364 |
| Total domestic deposits to total assets | 79.2500% | 3,974 |
| Equity capital to assets | 15.4679% | 427 |
| Core capital (leverage) ratio | 15.8628% | 469 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4563% | 1,488 |
| Memoranda: | ||
| Average total assets | $208,703,400 | 2,985 |
| Average earning assets | $197,723,600 | 2,954 |
| Average equity | $40,982,600 | 1,886 |
| Average total loans | $160,071,200 | 2,539 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8392% | 1,639 |
| Cost of funding earning assets | 0.4581% | 948 |
| Net interest margin | 3.3811% | 2,034 |
| Noninterest income to average assets | 0.0600% | 4,582 |
| Noninterest expense to average assets | 4.2794% | 274 |
| Loan and lease loss provision to assets | 1.0700% | 38 |
| Net operating income to assets | -1.5883% | 4,721 |
| Return on assets (ROA) | -1.5883% | 4,715 |
| Pretax return on assets | -2.0925% | 4,725 |
| Return on Equity (ROE) | -7.5000% | 4,685 |
| Retained earnings to average equity (ytd only) | -7.5015% | 4,648 |
| Net charge-offs to loans | 0.0047% | 2,008 |
| Credit loss provision to net charge-offs | 25,600.0000% | 24 |
| Earnings coverage of net charge-offs (x) | -292.0000% | 4,760 |
| Efficiency ratio | 131.3372% | 56 |
| Assets per employee ($millions) | 5.2072% | 3,497 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9934% | 3,516 |
| 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 | 78.0300% | 701 |
| Net loans and leases to deposits | 99.6969% | 372 |
| Net loans and leases to core deposits | 101.4338% | 762 |
| Total domestic deposits to total assets | 78.2700% | 4,237 |
| Equity capital to assets | 17.0233% | 321 |
| Core capital (leverage) ratio | 17.9204% | 319 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9338% | 1,001 |
| Memoranda: | ||
| Average total assets | $190,645,250 | 3,120 |
| Average earning assets | $180,172,500 | 3,087 |
| Average equity | $40,364,500 | 1,934 |
| Average total loans | $140,442,750 | 2,727 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5120% | 2,102 |
| Cost of funding earning assets | 0.4048% | 889 |
| Net interest margin | 3.1071% | 2,512 |
| Noninterest income to average assets | 0.0456% | 4,641 |
| Noninterest expense to average assets | 4.6641% | 197 |
| Loan and lease loss provision to assets | 1.1646% | 39 |
| Net operating income to assets | -2.1594% | 4,737 |
| Return on assets (ROA) | -2.1594% | 4,734 |
| Pretax return on assets | -2.8547% | 4,739 |
| Return on Equity (ROE) | -9.3096% | 4,720 |
| Retained earnings to average equity (ytd only) | -9.3096% | 4,646 |
| Net charge-offs to loans | 0.0033% | 1,937 |
| Credit loss provision to net charge-offs | 42,300.0000% | 12 |
| Earnings coverage of net charge-offs (x) | -722.0000% | 2,154 |
| Efficiency ratio | 156.8280% | 36 |
| Assets per employee ($millions) | 5.3878% | 3,346 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9530% | 3,786 |
| 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 | 71.8005% | 1,125 |
| Net loans and leases to deposits | 87.6830% | 860 |
| Net loans and leases to core deposits | 90.3641% | 1,101 |
| Total domestic deposits to total assets | 81.8865% | 4,020 |
| Equity capital to assets | 17.7097% | 238 |
| Core capital (leverage) ratio | 19.2966% | 226 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9486% | 728 |
| Memoranda: | ||
| Average total assets | $170,878,667 | 3,328 |
| Average earning assets | $161,049,000 | 3,305 |
| Average equity | $39,636,333 | 2,015 |
| Average total loans | $121,592,333 | 2,927 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1213% | 2,910 |
| Cost of funding earning assets | 0.3546% | 1,167 |
| Net interest margin | 2.7667% | 3,234 |
| Noninterest income to average assets | 0.0302% | 4,706 |
| Noninterest expense to average assets | 5.2486% | 159 |
| Loan and lease loss provision to assets | 1.7742% | 21 |
| Net operating income to assets | -3.3126% | 4,776 |
| Return on assets (ROA) | -3.3126% | 4,775 |
| Pretax return on assets | -4.4040% | 4,780 |
| Return on Equity (ROE) | -12.1121% | 4,756 |
| Retained earnings to average equity (ytd only) | -12.1121% | 4,598 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 200.4188% | 23 |
| Assets per employee ($millions) | 4.5210% | 4,124 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9616% | 3,873 |
| 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 | 78.0106% | 376 |
| Net loans and leases to deposits | 102.4366% | 134 |
| Net loans and leases to core deposits | 109.2485% | 278 |
| Total domestic deposits to total assets | 76.1550% | 4,495 |
| Equity capital to assets | 23.5120% | 101 |
| Core capital (leverage) ratio | 26.8769% | 79 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.3935% | 407 |
| Memoranda: | ||
| Average total assets | $145,867,500 | 3,555 |
| Average earning assets | $136,482,500 | 3,544 |
| Average equity | $39,894,000 | 2,057 |
| Average total loans | $102,321,500 | 3,155 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.9423% | 4,791 |
| Cost of funding earning assets | 0.0889% | 4,467 |
| Net interest margin | 0.8534% | 4,788 |
| Noninterest income to average assets | 0.0080% | 4,791 |
| Noninterest expense to average assets | 6.1547% | 123 |
| Loan and lease loss provision to assets | 0.8752% | 46 |
| Net operating income to assets | -4.6669% | 4,829 |
| Return on assets (ROA) | -4.6669% | 4,829 |
| Pretax return on assets | -6.2252% | 4,831 |
| Return on Equity (ROE) | -9.9008% | 4,805 |
| Retained earnings to average equity (ytd only) | -9.9008% | 4,767 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 764.8305% | 6 |
| Assets per employee ($millions) | 3.5560% | 4,570 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9357% | 3,978 |
| 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 | 58.0119% | 2,374 |
| Net loans and leases to deposits | 86.5190% | 747 |
| Net loans and leases to core deposits | 96.3644% | 675 |
| Total domestic deposits to total assets | 67.0510% | 4,719 |
| Equity capital to assets | 32.5071% | 52 |
| Core capital (leverage) ratio | 44.2392% | 40 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 41.2811% | 111 |
| Memoranda: | ||
| Average total assets | $87,981,000 | 4,116 |
| Average earning assets | $82,142,000 | 4,100 |
| Average equity | $41,471,333 | 2,030 |
| Average total loans | $38,134,667 | 4,228 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.4105% | 4,898 |
| Cost of funding earning assets | 0.0345% | 4,831 |
| Net interest margin | 0.3759% | 4,896 |
| Noninterest income to average assets | 0.0038% | 4,878 |
| Noninterest expense to average assets | 6.9244% | 109 |
| Loan and lease loss provision to assets | 0.6997% | 66 |
| Net operating income to assets | -5.4313% | 4,904 |
| Return on assets (ROA) | -5.4313% | 4,904 |
| Pretax return on assets | -7.2666% | 4,907 |
| Return on Equity (ROE) | -9.0235% | 4,876 |
| Retained earnings to average equity (ytd only) | -9.0235% | 4,837 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 1,936.8984% | 5 |
| Assets per employee ($millions) | 2.8923% | 4,769 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9543% | 3,993 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 41.0266% | 4,143 |
| Net loans and leases to deposits | 79.4120% | 1,340 |
| Net loans and leases to core deposits | 97.5101% | 672 |
| Total domestic deposits to total assets | 51.6631% | 4,862 |
| Equity capital to assets | 47.9704% | 34 |
| Core capital (leverage) ratio | 69.7138% | 26 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 88.5464% | 32 |
| Memoranda: | ||
| Average total assets | $69,742,000 | 4,400 |
| Average earning assets | $65,617,000 | 4,375 |
| Average equity | $41,978,000 | 2,043 |
| Average total loans | $20,760,500 | 4,621 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.0655% | 4,949 |
| Cost of funding earning assets | 0.0041% | 4,926 |
| Net interest margin | 0.0614% | 4,946 |
| Noninterest income to average assets | 0.0000% | 4,919 |
| Noninterest expense to average assets | 8.3542% | 90 |
| Loan and lease loss provision to assets | 0.2200% | 477 |
| Net operating income to assets | -6.3586% | 4,942 |
| Return on assets (ROA) | -6.3586% | 4,941 |
| Pretax return on assets | -8.5173% | 4,949 |
| Return on Equity (ROE) | -7.9182% | 4,899 |
| Retained earnings to average equity (ytd only) | -7.9182% | 4,841 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 14,680.0000% | 1 |
| Assets per employee ($millions) | 2.1965% | 4,865 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0394% | 3,677 |
| 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 | 10.4750% | 4,890 |
| Net loans and leases to deposits | 53.7107% | 3,875 |
| Net loans and leases to core deposits | 134.7487% | 106 |
| Total domestic deposits to total assets | 19.5026% | 4,928 |
| Equity capital to assets | 80.3039% | 22 |
| Core capital (leverage) ratio | 91.0071% | 17 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 373.0533% | 8 |
| Memoranda: | ||
| Average total assets | $52,716,000 | 4,627 |
| Average earning assets | $48,835,000 | 4,613 |
| Average equity | $42,333,000 | 2,021 |
| Average total loans | $5,580,000 | 4,896 |