Home > First Bank of Central Ohio > Performance and Condition Ratios
First Bank of Central Ohio, 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 | 6.1201% | 1,037 |
| Cost of funding earning assets | 3.0959% | 261 |
| Net interest margin | 3.0242% | 3,352 |
| Noninterest income to average assets | 0.9700% | 600 |
| Noninterest expense to average assets | 4.2159% | 337 |
| Loan and lease loss provision to assets | 0.1500% | 856 |
| Net operating income to assets | -0.3732% | 4,296 |
| Return on assets (ROA) | -0.3732% | 4,326 |
| Pretax return on assets | -0.4724% | 4,336 |
| Return on Equity (ROE) | -2.8700% | 4,292 |
| Retained earnings to average equity (ytd only) | -2.8724% | 3,976 |
| 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 | 108.2017% | 190 |
| Assets per employee ($millions) | 6.2801% | 2,729 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3467% | 1,501 |
| Loan loss allowance to noncurrent loans | 987.5000% | 703 |
| Noncurrent assets plus other real estate owned to assets | 0.1081% | 2,970 |
| Noncurrent loans to loans | 0.1364% | 3,003 |
| Net loans and leases to total assets | 78.1900% | 813 |
| Net loans and leases to deposits | 90.6272% | 1,051 |
| Net loans and leases to core deposits | 108.5692% | 909 |
| Total domestic deposits to total assets | 86.2800% | 2,206 |
| Equity capital to assets | 12.6421% | 1,023 |
| Core capital (leverage) ratio | 12.8078% | 1,148 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $201,522,500 | 3,008 |
| Average earning assets | $195,226,000 | 2,946 |
| Average equity | $26,180,500 | 2,630 |
| Average total loans | $160,433,500 | 2,670 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6699% | 575 |
| Cost of funding earning assets | 3.3506% | 253 |
| Net interest margin | 3.3193% | 2,468 |
| Noninterest income to average assets | 2.8700% | 197 |
| Noninterest expense to average assets | 4.8587% | 250 |
| Loan and lease loss provision to assets | 0.7200% | 120 |
| Net operating income to assets | 0.3823% | 3,708 |
| Return on assets (ROA) | 0.3823% | 3,739 |
| Pretax return on assets | 0.4872% | 3,679 |
| Return on Equity (ROE) | 2.5000% | 3,934 |
| Retained earnings to average equity (ytd only) | 2.5007% | 3,218 |
| Net charge-offs to loans | 0.3252% | 452 |
| Credit loss provision to net charge-offs | 275.6322% | 930 |
| Earnings coverage of net charge-offs (x) | 4.6138% | 2,641 |
| Efficiency ratio | 80.0596% | 1,043 |
| Assets per employee ($millions) | 5.7589% | 3,063 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3633% | 1,425 |
| 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 | 78.8900% | 793 |
| Net loans and leases to deposits | 92.6276% | 980 |
| Net loans and leases to core deposits | 111.7053% | 868 |
| Total domestic deposits to total assets | 85.1700% | 2,475 |
| Equity capital to assets | 13.3610% | 808 |
| Core capital (leverage) ratio | 13.0646% | 1,032 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $165,847,400 | 3,230 |
| Average earning assets | $159,971,400 | 3,177 |
| Average equity | $25,353,000 | 2,609 |
| Average total loans | $133,757,200 | 2,877 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6521% | 570 |
| Cost of funding earning assets | 3.3326% | 280 |
| Net interest margin | 3.3195% | 2,409 |
| Noninterest income to average assets | 2.9300% | 187 |
| Noninterest expense to average assets | 4.9296% | 240 |
| Loan and lease loss provision to assets | 0.5400% | 157 |
| Net operating income to assets | 0.5161% | 3,423 |
| Return on assets (ROA) | 0.5161% | 3,451 |
| Pretax return on assets | 0.6559% | 3,371 |
| Return on Equity (ROE) | 3.2500% | 3,848 |
| Retained earnings to average equity (ytd only) | 3.2496% | 3,087 |
| Net charge-offs to loans | 0.0000% | 2,849 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 80.4148% | 1,053 |
| Assets per employee ($millions) | 5.3516% | 3,400 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3945% | 1,361 |
| 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 | 80.8000% | 538 |
| Net loans and leases to deposits | 96.6303% | 677 |
| Net loans and leases to core deposits | 117.2462% | 696 |
| Total domestic deposits to total assets | 83.6100% | 2,694 |
| Equity capital to assets | 14.6627% | 620 |
| Core capital (leverage) ratio | 14.6874% | 676 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $158,359,000 | 3,287 |
| Average earning assets | $152,588,750 | 3,236 |
| Average equity | $25,151,000 | 2,615 |
| Average total loans | $128,044,000 | 2,924 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4272% | 688 |
| Cost of funding earning assets | 3.2791% | 279 |
| Net interest margin | 3.1481% | 2,749 |
| Noninterest income to average assets | 2.7800% | 194 |
| Noninterest expense to average assets | 4.8937% | 242 |
| Loan and lease loss provision to assets | 0.4100% | 229 |
| Net operating income to assets | 0.3993% | 3,661 |
| Return on assets (ROA) | 0.3993% | 3,699 |
| Pretax return on assets | 0.5057% | 3,620 |
| Return on Equity (ROE) | 2.4400% | 3,970 |
| Retained earnings to average equity (ytd only) | 2.4415% | 3,204 |
| Net charge-offs to loans | 0.0000% | 2,619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 84.2605% | 839 |
| Assets per employee ($millions) | 5.3380% | 3,347 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2731% | 1,863 |
| 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 | 81.4500% | 525 |
| Net loans and leases to deposits | 98.7530% | 608 |
| Net loans and leases to core deposits | 119.0158% | 661 |
| Total domestic deposits to total assets | 82.4800% | 2,976 |
| Equity capital to assets | 15.8104% | 493 |
| Core capital (leverage) ratio | 15.5153% | 559 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $152,277,333 | 3,349 |
| Average earning assets | $146,626,000 | 3,292 |
| Average equity | $24,903,000 | 2,592 |
| Average total loans | $122,489,000 | 2,965 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1978% | 847 |
| Cost of funding earning assets | 3.2334% | 280 |
| Net interest margin | 2.9644% | 3,058 |
| Noninterest income to average assets | 2.8900% | 181 |
| Noninterest expense to average assets | 4.8158% | 246 |
| Loan and lease loss provision to assets | 0.4700% | 168 |
| Net operating income to assets | 0.3397% | 3,739 |
| Return on assets (ROA) | 0.3397% | 3,760 |
| Pretax return on assets | 0.4476% | 3,663 |
| Return on Equity (ROE) | 2.0400% | 4,004 |
| Retained earnings to average equity (ytd only) | 2.0409% | 3,232 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 83.9286% | 916 |
| Assets per employee ($millions) | 4.8820% | 3,722 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2768% | 1,872 |
| 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 | 81.6700% | 448 |
| Net loans and leases to deposits | 100.5785% | 451 |
| Net loans and leases to core deposits | 121.7754% | 585 |
| Total domestic deposits to total assets | 81.2000% | 3,335 |
| Equity capital to assets | 16.9842% | 391 |
| Core capital (leverage) ratio | 15.9001% | 491 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $148,345,500 | 3,392 |
| Average earning assets | $142,760,000 | 3,335 |
| Average equity | $24,695,000 | 2,617 |
| Average total loans | $117,676,000 | 3,015 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2636% | 1,549 |
| Cost of funding earning assets | 2.4445% | 413 |
| Net interest margin | 2.8191% | 3,627 |
| Noninterest income to average assets | 0.5000% | 1,995 |
| Noninterest expense to average assets | 4.5551% | 279 |
| Loan and lease loss provision to assets | 0.3500% | 287 |
| Net operating income to assets | -1.3451% | 4,549 |
| Return on assets (ROA) | -1.3451% | 4,544 |
| Pretax return on assets | -1.7206% | 4,550 |
| Return on Equity (ROE) | -6.8100% | 4,482 |
| Retained earnings to average equity (ytd only) | -6.8057% | 4,425 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 143.0754% | 52 |
| Assets per employee ($millions) | 5.3674% | 3,344 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2007% | 2,291 |
| 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 | 75.0700% | 1,231 |
| Net loans and leases to deposits | 91.6278% | 1,129 |
| Net loans and leases to core deposits | 106.4464% | 1,097 |
| Total domestic deposits to total assets | 81.9200% | 3,140 |
| Equity capital to assets | 16.3434% | 434 |
| Core capital (leverage) ratio | 16.5887% | 419 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $125,421,200 | 3,594 |
| Average earning assets | $119,329,800 | 3,551 |
| Average equity | $24,788,200 | 2,534 |
| Average total loans | $90,327,600 | 3,288 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9914% | 1,840 |
| Cost of funding earning assets | 2.2321% | 468 |
| Net interest margin | 2.7592% | 3,791 |
| Noninterest income to average assets | 0.2000% | 3,768 |
| Noninterest expense to average assets | 4.6921% | 253 |
| Loan and lease loss provision to assets | 0.2500% | 406 |
| Net operating income to assets | -1.6889% | 4,589 |
| Return on assets (ROA) | -1.6889% | 4,584 |
| Pretax return on assets | -2.1285% | 4,595 |
| Return on Equity (ROE) | -8.1000% | 4,529 |
| Retained earnings to average equity (ytd only) | -8.1035% | 4,485 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 166.5343% | 30 |
| Assets per employee ($millions) | 4.5127% | 3,933 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2105% | 2,309 |
| 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 | 74.9200% | 1,245 |
| Net loans and leases to deposits | 95.2652% | 802 |
| Net loans and leases to core deposits | 109.6585% | 882 |
| Total domestic deposits to total assets | 78.6400% | 3,745 |
| Equity capital to assets | 19.3827% | 301 |
| Core capital (leverage) ratio | 19.7696% | 283 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $119,204,750 | 3,669 |
| Average earning assets | $113,072,250 | 3,631 |
| Average equity | $24,844,750 | 2,510 |
| Average total loans | $84,363,250 | 3,366 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9000% | 1,761 |
| Cost of funding earning assets | 2.1331% | 388 |
| Net interest margin | 2.7669% | 3,875 |
| Noninterest income to average assets | 0.2600% | 3,340 |
| Noninterest expense to average assets | 4.5129% | 272 |
| Loan and lease loss provision to assets | 0.3700% | 233 |
| Net operating income to assets | -1.5853% | 4,620 |
| Return on assets (ROA) | -1.5853% | 4,616 |
| Pretax return on assets | -2.0065% | 4,620 |
| Return on Equity (ROE) | -7.4200% | 4,563 |
| Retained earnings to average equity (ytd only) | -7.4191% | 4,475 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 156.7182% | 36 |
| Assets per employee ($millions) | 4.2820% | 4,067 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3285% | 1,806 |
| 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 | 73.9400% | 1,297 |
| Net loans and leases to deposits | 96.5714% | 701 |
| Net loans and leases to core deposits | 111.4899% | 765 |
| Total domestic deposits to total assets | 76.5700% | 3,997 |
| Equity capital to assets | 21.4353% | 244 |
| Core capital (leverage) ratio | 20.3191% | 253 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $116,821,333 | 3,704 |
| Average earning assets | $110,449,333 | 3,668 |
| Average equity | $24,962,667 | 2,524 |
| Average total loans | $80,542,333 | 3,407 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5196% | 2,269 |
| Cost of funding earning assets | 1.8410% | 422 |
| Net interest margin | 2.6785% | 4,097 |
| Noninterest income to average assets | 0.4000% | 2,397 |
| Noninterest expense to average assets | 4.1490% | 326 |
| Loan and lease loss provision to assets | 0.5000% | 150 |
| Net operating income to assets | -1.3489% | 4,634 |
| Return on assets (ROA) | -1.3489% | 4,628 |
| Pretax return on assets | -1.7236% | 4,633 |
| Return on Equity (ROE) | -6.3200% | 4,572 |
| Retained earnings to average equity (ytd only) | -6.3226% | 4,381 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 141.7928% | 46 |
| Assets per employee ($millions) | 5.0477% | 3,628 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2997% | 2,039 |
| 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 | 67.7000% | 1,868 |
| Net loans and leases to deposits | 87.3257% | 1,269 |
| Net loans and leases to core deposits | 93.7092% | 1,408 |
| Total domestic deposits to total assets | 77.5300% | 4,047 |
| Equity capital to assets | 20.6447% | 218 |
| Core capital (leverage) ratio | 21.0799% | 229 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $117,425,500 | 3,746 |
| Average earning assets | $110,807,000 | 3,711 |
| Average equity | $25,053,000 | 2,547 |
| Average total loans | $77,495,000 | 3,491 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1285% | 3,946 |
| Cost of funding earning assets | 0.8297% | 353 |
| Net interest margin | 2.2988% | 4,431 |
| Noninterest income to average assets | 0.2200% | 3,823 |
| Noninterest expense to average assets | 3.9685% | 339 |
| Loan and lease loss provision to assets | 0.3500% | 208 |
| Net operating income to assets | -1.5329% | 4,679 |
| Return on assets (ROA) | -1.5329% | 4,675 |
| Pretax return on assets | -1.9445% | 4,677 |
| Return on Equity (ROE) | -6.4200% | 4,640 |
| Retained earnings to average equity (ytd only) | -6.4223% | 4,599 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 166.8922% | 29 |
| Assets per employee ($millions) | 5.8757% | 2,878 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2978% | 1,900 |
| 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 | 63.5600% | 2,285 |
| Net loans and leases to deposits | 82.2570% | 1,598 |
| Net loans and leases to core deposits | 85.0175% | 1,816 |
| Total domestic deposits to total assets | 77.2700% | 4,142 |
| Equity capital to assets | 22.4923% | 181 |
| Core capital (leverage) ratio | 21.2579% | 217 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $105,682,000 | 3,880 |
| Average earning assets | $99,313,000 | 3,845 |
| Average equity | $25,224,600 | 2,567 |
| Average total loans | $56,047,600 | 3,807 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6584% | 4,332 |
| Cost of funding earning assets | 0.5500% | 577 |
| Net interest margin | 2.1084% | 4,509 |
| Noninterest income to average assets | 0.2200% | 3,870 |
| Noninterest expense to average assets | 4.0705% | 314 |
| Loan and lease loss provision to assets | 0.4800% | 108 |
| Net operating income to assets | -1.8606% | 4,729 |
| Return on assets (ROA) | -1.8606% | 4,725 |
| Pretax return on assets | -2.3584% | 4,732 |
| Return on Equity (ROE) | -7.6800% | 4,687 |
| Retained earnings to average equity (ytd only) | -7.6767% | 4,651 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 185.8061% | 26 |
| Assets per employee ($millions) | 6.5168% | 2,306 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4938% | 1,306 |
| 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 | 49.6900% | 3,484 |
| Net loans and leases to deposits | 62.4082% | 2,991 |
| Net loans and leases to core deposits | 64.1381% | 3,100 |
| Total domestic deposits to total assets | 79.6200% | 4,133 |
| Equity capital to assets | 20.1543% | 212 |
| Core capital (leverage) ratio | 20.3069% | 229 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $104,193,000 | 3,917 |
| Average earning assets | $97,450,000 | 3,881 |
| Average equity | $25,253,250 | 2,610 |
| Average total loans | $52,086,500 | 3,879 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3353% | 4,499 |
| Cost of funding earning assets | 0.3483% | 1,278 |
| Net interest margin | 1.9870% | 4,566 |
| Noninterest income to average assets | 0.2888% | 3,442 |
| Noninterest expense to average assets | 4.2478% | 244 |
| Loan and lease loss provision to assets | 0.7189% | 65 |
| Net operating income to assets | -2.2509% | 4,739 |
| Return on assets (ROA) | -2.2509% | 4,736 |
| Pretax return on assets | -2.8551% | 4,740 |
| Return on Equity (ROE) | -8.6697% | 4,715 |
| Retained earnings to average equity (ytd only) | -8.6697% | 4,636 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 201.1639% | 22 |
| Assets per employee ($millions) | 6.5316% | 2,288 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5508% | 1,274 |
| 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 | 49.1375% | 3,459 |
| Net loans and leases to deposits | 62.5806% | 2,843 |
| Net loans and leases to core deposits | 64.4337% | 2,931 |
| Total domestic deposits to total assets | 78.5188% | 4,327 |
| Equity capital to assets | 21.3136% | 144 |
| Core capital (leverage) ratio | 23.5644% | 119 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $97,650,667 | 4,013 |
| Average earning assets | $89,582,000 | 4,013 |
| Average equity | $25,352,667 | 2,657 |
| Average total loans | $48,628,667 | 3,980 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1080% | 4,576 |
| Cost of funding earning assets | 0.3556% | 1,161 |
| Net interest margin | 1.7524% | 4,631 |
| Noninterest income to average assets | 0.2144% | 3,873 |
| Noninterest expense to average assets | 4.4839% | 208 |
| Loan and lease loss provision to assets | 0.8712% | 46 |
| Net operating income to assets | -2.8235% | 4,770 |
| Return on assets (ROA) | -2.8235% | 4,770 |
| Pretax return on assets | -3.5898% | 4,774 |
| Return on Equity (ROE) | -9.7098% | 4,738 |
| Retained earnings to average equity (ytd only) | -9.7098% | 4,555 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 254.0052% | 19 |
| Assets per employee ($millions) | 5.4681% | 3,340 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5012% | 1,544 |
| 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 | 52.9390% | 2,890 |
| Net loans and leases to deposits | 72.8534% | 1,715 |
| Net loans and leases to core deposits | 74.6798% | 1,881 |
| Total domestic deposits to total assets | 72.6651% | 4,606 |
| Equity capital to assets | 27.2317% | 70 |
| Core capital (leverage) ratio | 28.8905% | 66 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $87,692,000 | 4,126 |
| Average earning assets | $77,608,500 | 4,169 |
| Average equity | $25,500,000 | 2,740 |
| Average total loans | $43,603,000 | 4,086 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.0049% | 4,786 |
| Cost of funding earning assets | 0.1744% | 3,722 |
| Net interest margin | 0.8305% | 4,791 |
| Noninterest income to average assets | 0.1306% | 4,494 |
| Noninterest expense to average assets | 3.0573% | 904 |
| Loan and lease loss provision to assets | 0.9238% | 41 |
| Net operating income to assets | -2.5169% | 4,820 |
| Return on assets (ROA) | -2.5169% | 4,820 |
| Pretax return on assets | -3.1895% | 4,823 |
| Return on Equity (ROE) | -5.8138% | 4,784 |
| Retained earnings to average equity (ytd only) | -5.8138% | 4,721 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 386.2213% | 12 |
| Assets per employee ($millions) | 5.4951% | 3,260 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5009% | 1,552 |
| 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 | 44.5078% | 3,800 |
| Net loans and leases to deposits | 64.8174% | 2,615 |
| Net loans and leases to core deposits | 66.1629% | 2,806 |
| Total domestic deposits to total assets | 68.6664% | 4,704 |
| Equity capital to assets | 31.1625% | 55 |
| Core capital (leverage) ratio | 35.3092% | 50 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $60,511,333 | 4,449 |
| Average earning assets | $48,166,333 | 4,529 |
| Average equity | $26,196,333 | 2,771 |
| Average total loans | $24,426,000 | 4,487 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.8368% | 4,880 |
| Cost of funding earning assets | 0.1028% | 4,475 |
| Net interest margin | 0.7341% | 4,879 |
| Noninterest income to average assets | 0.0996% | 4,667 |
| Noninterest expense to average assets | 3.0969% | 826 |
| Loan and lease loss provision to assets | 0.9303% | 43 |
| Net operating income to assets | -2.6771% | 4,894 |
| Return on assets (ROA) | -2.6771% | 4,894 |
| Pretax return on assets | -3.3902% | 4,897 |
| Return on Equity (ROE) | -5.0153% | 4,845 |
| Retained earnings to average equity (ytd only) | -5.0153% | 4,782 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 485.6540% | 10 |
| Assets per employee ($millions) | 4.2188% | 4,321 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4983% | 1,642 |
| 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 | 35.9455% | 4,394 |
| Net loans and leases to deposits | 61.4734% | 3,097 |
| Net loans and leases to core deposits | 61.4734% | 3,362 |
| Total domestic deposits to total assets | 58.4732% | 4,848 |
| Equity capital to assets | 41.4225% | 41 |
| Core capital (leverage) ratio | 53.0466% | 35 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $49,554,000 | 4,628 |
| Average earning assets | $36,326,500 | 4,725 |
| Average equity | $26,451,500 | 2,789 |
| Average total loans | $18,016,500 | 4,666 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.9729% | 4,913 |
| Cost of funding earning assets | 0.0157% | 4,904 |
| Net interest margin | 0.9572% | 4,906 |
| Noninterest income to average assets | 0.0000% | 4,919 |
| Noninterest expense to average assets | 2.9252% | 1,112 |
| Loan and lease loss provision to assets | 1.0830% | 34 |
| Net operating income to assets | -2.8973% | 4,929 |
| Return on assets (ROA) | -2.8973% | 4,929 |
| Pretax return on assets | -3.6677% | 4,933 |
| Return on Equity (ROE) | -3.8891% | 4,866 |
| Retained earnings to average equity (ytd only) | -3.8891% | 4,752 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 859.0164% | 4 |
| Assets per employee ($millions) | 2.3884% | 4,858 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4992% | 1,593 |
| 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 | 35.5775% | 4,473 |
| Net loans and leases to deposits | 139.8661% | 21 |
| Net loans and leases to core deposits | 139.8661% | 85 |
| Total domestic deposits to total assets | 25.4368% | 4,924 |
| Equity capital to assets | 74.4990% | 25 |
| Core capital (leverage) ratio | 103.7391% | 3 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $35,826,000 | 4,804 |
| Average earning assets | $12,746,000 | 4,928 |
| Average equity | $26,690,000 | 2,768 |
| Average total loans | $12,940,000 | 4,790 |