Home > Gulf Coast Business Bank > Performance and Condition Ratios
Gulf Coast Business Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 3 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7269% | 472 |
| Cost of funding earning assets | 2.7199% | 576 |
| Net interest margin | 4.0070% | 1,275 |
| Noninterest income to average assets | 0.3200% | 2,730 |
| Noninterest expense to average assets | 5.2325% | 217 |
| Loan and lease loss provision to assets | 0.6000% | 153 |
| Net operating income to assets | -1.6064% | 4,394 |
| Return on assets (ROA) | -1.6064% | 4,428 |
| Pretax return on assets | -1.6064% | 4,422 |
| Return on Equity (ROE) | -11.8700% | 4,398 |
| Retained earnings to average equity (ytd only) | -11.8678% | 4,291 |
| 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 | 123.6719% | 112 |
| Assets per employee ($millions) | 5.0133% | 3,667 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3004% | 1,700 |
| 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 | 76.8600% | 969 |
| Net loans and leases to deposits | 88.5113% | 1,254 |
| Net loans and leases to core deposits | 108.6876% | 901 |
| Total domestic deposits to total assets | 86.8400% | 1,988 |
| Equity capital to assets | 12.5296% | 1,047 |
| Core capital (leverage) ratio | 13.4550% | 943 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $121,013,500 | 3,608 |
| Average earning assets | $118,093,500 | 3,549 |
| Average equity | $16,380,500 | 3,257 |
| Average total loans | $94,486,500 | 3,263 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 2 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8539% | 473 |
| Cost of funding earning assets | 2.6347% | 909 |
| Net interest margin | 4.2192% | 914 |
| Noninterest income to average assets | 0.1200% | 4,121 |
| Noninterest expense to average assets | 5.9223% | 178 |
| Loan and lease loss provision to assets | 0.6000% | 157 |
| Net operating income to assets | -2.3081% | 4,436 |
| Return on assets (ROA) | -2.3081% | 4,472 |
| Pretax return on assets | -2.3081% | 4,471 |
| Return on Equity (ROE) | -12.6900% | 4,423 |
| Retained earnings to average equity (ytd only) | -12.6857% | 4,416 |
| Net charge-offs to loans | 0.0131% | 2,426 |
| Credit loss provision to net charge-offs | 5,622.2222% | 92 |
| Earnings coverage of net charge-offs (x) | -180.8889% | 4,507 |
| Efficiency ratio | 140.5278% | 95 |
| Assets per employee ($millions) | 4.1363% | 4,045 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2999% | 1,677 |
| 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 | 77.3000% | 978 |
| Net loans and leases to deposits | 91.5280% | 1,078 |
| Net loans and leases to core deposits | 108.9570% | 982 |
| Total domestic deposits to total assets | 84.4600% | 2,671 |
| Equity capital to assets | 14.7108% | 583 |
| Core capital (leverage) ratio | 15.8453% | 500 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $95,317,400 | 3,816 |
| Average earning assets | $92,458,400 | 3,761 |
| Average equity | $17,342,400 | 3,154 |
| Average total loans | $68,850,200 | 3,590 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9120% | 432 |
| Cost of funding earning assets | 2.6303% | 938 |
| Net interest margin | 4.2818% | 826 |
| Noninterest income to average assets | 0.1200% | 4,140 |
| Noninterest expense to average assets | 6.3284% | 159 |
| Loan and lease loss provision to assets | 0.5900% | 138 |
| Net operating income to assets | -2.6527% | 4,476 |
| Return on assets (ROA) | -2.6527% | 4,508 |
| Pretax return on assets | -2.6527% | 4,507 |
| Return on Equity (ROE) | -13.7700% | 4,465 |
| Retained earnings to average equity (ytd only) | -13.7725% | 4,460 |
| Net charge-offs to loans | 0.0187% | 1,998 |
| Credit loss provision to net charge-offs | 3,766.6667% | 134 |
| Earnings coverage of net charge-offs (x) | -156.6667% | 4,537 |
| Efficiency ratio | 148.2877% | 82 |
| Assets per employee ($millions) | 4.1100% | 4,088 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2994% | 1,717 |
| 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 | 71.7100% | 1,641 |
| Net loans and leases to deposits | 86.9892% | 1,541 |
| Net loans and leases to core deposits | 104.1031% | 1,234 |
| Total domestic deposits to total assets | 82.4300% | 2,989 |
| Equity capital to assets | 16.4915% | 458 |
| Core capital (leverage) ratio | 17.3583% | 372 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $91,226,750 | 3,865 |
| Average earning assets | $88,404,000 | 3,810 |
| Average equity | $17,570,750 | 3,131 |
| Average total loans | $64,195,750 | 3,657 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 2 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8977% | 413 |
| Cost of funding earning assets | 2.5633% | 970 |
| Net interest margin | 4.3344% | 754 |
| Noninterest income to average assets | 0.0900% | 4,266 |
| Noninterest expense to average assets | 6.6739% | 151 |
| Loan and lease loss provision to assets | 0.7500% | 104 |
| Net operating income to assets | -3.1401% | 4,496 |
| Return on assets (ROA) | -3.1401% | 4,533 |
| Pretax return on assets | -3.1401% | 4,532 |
| Return on Equity (ROE) | -15.4300% | 4,485 |
| Retained earnings to average equity (ytd only) | -15.4336% | 4,479 |
| Net charge-offs to loans | 0.0000% | 2,619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 155.7692% | 76 |
| Assets per employee ($millions) | 3.6806% | 4,226 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3005% | 1,733 |
| 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 | 74.4000% | 1,372 |
| Net loans and leases to deposits | 92.7100% | 1,061 |
| Net loans and leases to core deposits | 105.5441% | 1,178 |
| Total domestic deposits to total assets | 80.2500% | 3,409 |
| Equity capital to assets | 18.6502% | 317 |
| Core capital (leverage) ratio | 19.6464% | 275 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $87,385,667 | 3,922 |
| Average earning assets | $84,579,000 | 3,866 |
| Average equity | $17,779,333 | 3,098 |
| Average total loans | $60,711,333 | 3,704 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8134% | 418 |
| Cost of funding earning assets | 2.5046% | 983 |
| Net interest margin | 4.3088% | 744 |
| Noninterest income to average assets | 0.0800% | 4,292 |
| Noninterest expense to average assets | 6.8225% | 149 |
| Loan and lease loss provision to assets | 1.3000% | 55 |
| Net operating income to assets | -3.8697% | 4,569 |
| Return on assets (ROA) | -3.8697% | 4,567 |
| Pretax return on assets | -3.8697% | 4,566 |
| Return on Equity (ROE) | -18.2000% | 4,521 |
| Retained earnings to average equity (ytd only) | -18.1994% | 4,425 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 160.5088% | 48 |
| Assets per employee ($millions) | 3.4641% | 4,286 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3407% | 1,607 |
| 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 | 72.2300% | 1,537 |
| Net loans and leases to deposits | 91.9828% | 1,041 |
| Net loans and leases to core deposits | 105.6176% | 1,125 |
| Total domestic deposits to total assets | 78.5200% | 3,732 |
| Equity capital to assets | 20.3852% | 274 |
| Core capital (leverage) ratio | 21.0466% | 232 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $85,071,000 | 3,958 |
| Average earning assets | $82,249,500 | 3,909 |
| Average equity | $18,088,500 | 3,087 |
| Average total loans | $56,387,000 | 3,773 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3343% | 416 |
| Cost of funding earning assets | 1.7527% | 1,347 |
| Net interest margin | 4.5816% | 544 |
| Noninterest income to average assets | 0.0600% | 4,411 |
| Noninterest expense to average assets | 7.2980% | 140 |
| Loan and lease loss provision to assets | 0.6200% | 130 |
| Net operating income to assets | -3.4580% | 4,583 |
| Return on assets (ROA) | -3.4580% | 4,580 |
| Pretax return on assets | -3.4580% | 4,579 |
| Return on Equity (ROE) | -12.1300% | 4,514 |
| Retained earnings to average equity (ytd only) | -12.1325% | 4,481 |
| Net charge-offs to loans | 0.0141% | 2,129 |
| Credit loss provision to net charge-offs | 8,460.0000% | 63 |
| Earnings coverage of net charge-offs (x) | -386.2000% | 4,606 |
| Efficiency ratio | 163.5825% | 32 |
| Assets per employee ($millions) | 3.2131% | 4,349 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2963% | 1,784 |
| 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 | 58.3300% | 3,008 |
| Net loans and leases to deposits | 76.2104% | 2,435 |
| Net loans and leases to core deposits | 86.1583% | 2,299 |
| Total domestic deposits to total assets | 76.5400% | 3,889 |
| Equity capital to assets | 22.1726% | 230 |
| Core capital (leverage) ratio | 23.7996% | 179 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $68,073,600 | 4,135 |
| Average earning assets | $65,326,400 | 4,085 |
| Average equity | $19,402,400 | 2,913 |
| Average total loans | $35,521,600 | 4,058 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1765% | 432 |
| Cost of funding earning assets | 1.5723% | 1,428 |
| Net interest margin | 4.6042% | 522 |
| Noninterest income to average assets | 0.0600% | 4,432 |
| Noninterest expense to average assets | 7.8453% | 135 |
| Loan and lease loss provision to assets | 0.8100% | 84 |
| Net operating income to assets | -4.1884% | 4,613 |
| Return on assets (ROA) | -4.1884% | 4,612 |
| Pretax return on assets | -4.1884% | 4,611 |
| Return on Equity (ROE) | -13.7100% | 4,556 |
| Retained earnings to average equity (ytd only) | -13.7052% | 4,528 |
| Net charge-offs to loans | 0.0208% | 1,697 |
| Credit loss provision to net charge-offs | 7,800.0000% | 70 |
| Earnings coverage of net charge-offs (x) | -325.4000% | 4,633 |
| Efficiency ratio | 175.6392% | 26 |
| Assets per employee ($millions) | 3.3907% | 4,344 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3010% | 1,864 |
| 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 | 59.0500% | 2,933 |
| Net loans and leases to deposits | 79.0334% | 2,137 |
| Net loans and leases to core deposits | 91.9452% | 1,801 |
| Total domestic deposits to total assets | 74.7100% | 4,111 |
| Equity capital to assets | 23.7886% | 211 |
| Core capital (leverage) ratio | 25.3808% | 162 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $64,207,000 | 4,188 |
| Average earning assets | $61,478,750 | 4,140 |
| Average equity | $19,622,250 | 2,877 |
| Average total loans | $32,059,000 | 4,126 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8655% | 526 |
| Cost of funding earning assets | 1.4093% | 1,426 |
| Net interest margin | 4.4562% | 648 |
| Noninterest income to average assets | 0.0500% | 4,489 |
| Noninterest expense to average assets | 8.3739% | 128 |
| Loan and lease loss provision to assets | 0.9700% | 70 |
| Net operating income to assets | -5.0425% | 4,643 |
| Return on assets (ROA) | -5.0425% | 4,643 |
| Pretax return on assets | -5.0425% | 4,643 |
| Return on Equity (ROE) | -15.0500% | 4,600 |
| Retained earnings to average equity (ytd only) | -15.0458% | 4,560 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 194.5440% | 19 |
| Assets per employee ($millions) | 3.2417% | 4,397 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3075% | 1,902 |
| 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 | 54.1900% | 3,259 |
| Net loans and leases to deposits | 75.7611% | 2,333 |
| Net loans and leases to core deposits | 85.3666% | 2,119 |
| Total domestic deposits to total assets | 71.5300% | 4,310 |
| Equity capital to assets | 26.9413% | 175 |
| Core capital (leverage) ratio | 28.9778% | 126 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $59,613,667 | 4,252 |
| Average earning assets | $56,909,000 | 4,220 |
| Average equity | $19,979,000 | 2,866 |
| Average total loans | $27,193,667 | 4,209 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2295% | 914 |
| Cost of funding earning assets | 1.2056% | 1,434 |
| Net interest margin | 4.0239% | 1,223 |
| Noninterest income to average assets | 0.0400% | 4,561 |
| Noninterest expense to average assets | 8.7051% | 127 |
| Loan and lease loss provision to assets | 0.7700% | 88 |
| Net operating income to assets | -5.6174% | 4,671 |
| Return on assets (ROA) | -5.6174% | 4,669 |
| Pretax return on assets | -5.6174% | 4,668 |
| Return on Equity (ROE) | -14.8300% | 4,621 |
| Retained earnings to average equity (ytd only) | -14.8319% | 4,546 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 225.4335% | 20 |
| Assets per employee ($millions) | 2.8572% | 4,514 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3084% | 1,992 |
| 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 | 40.9800% | 4,000 |
| Net loans and leases to deposits | 62.9706% | 3,169 |
| Net loans and leases to core deposits | 65.3208% | 3,271 |
| Total domestic deposits to total assets | 65.0800% | 4,499 |
| Equity capital to assets | 33.3872% | 111 |
| Core capital (leverage) ratio | 38.8534% | 102 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $53,761,500 | 4,376 |
| Average earning assets | $51,094,500 | 4,340 |
| Average equity | $20,361,500 | 2,850 |
| Average total loans | $21,210,500 | 4,378 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0191% | 4,605 |
| Cost of funding earning assets | 0.3117% | 2,783 |
| Net interest margin | 1.7074% | 4,607 |
| Noninterest income to average assets | 0.0200% | 4,633 |
| Noninterest expense to average assets | 8.2215% | 131 |
| Loan and lease loss provision to assets | 0.5900% | 94 |
| Net operating income to assets | -7.1835% | 4,714 |
| Return on assets (ROA) | -7.1835% | 4,714 |
| Pretax return on assets | -7.1835% | 4,714 |
| Return on Equity (ROE) | -12.7000% | 4,672 |
| Retained earnings to average equity (ytd only) | -12.7039% | 4,657 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 506.1789% | 9 |
| Assets per employee ($millions) | 2.7954% | 4,556 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2682% | 2,055 |
| 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 | 36.3700% | 4,199 |
| Net loans and leases to deposits | 66.5704% | 2,850 |
| Net loans and leases to core deposits | 67.8856% | 3,020 |
| Total domestic deposits to total assets | 54.6300% | 4,601 |
| Equity capital to assets | 43.5386% | 93 |
| Core capital (leverage) ratio | 49.1941% | 89 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $37,864,333 | 4,549 |
| Average earning assets | $35,610,667 | 4,519 |
| Average equity | $21,410,667 | 2,824 |
| Average total loans | $9,019,000 | 4,577 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.0672% | 4,700 |
| Cost of funding earning assets | 0.1119% | 4,181 |
| Net interest margin | 0.9553% | 4,699 |
| Noninterest income to average assets | 0.0100% | 4,687 |
| Noninterest expense to average assets | 8.9597% | 119 |
| Loan and lease loss provision to assets | 0.4800% | 108 |
| Net operating income to assets | -8.5400% | 4,758 |
| Return on assets (ROA) | -8.5400% | 4,758 |
| Pretax return on assets | -8.5400% | 4,757 |
| Return on Equity (ROE) | -12.9600% | 4,716 |
| Retained earnings to average equity (ytd only) | -12.9588% | 4,701 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 991.0714% | 7 |
| Assets per employee ($millions) | 2.4336% | 4,623 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2563% | 2,232 |
| 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 | 22.8000% | 4,562 |
| Net loans and leases to deposits | 49.4288% | 3,890 |
| Net loans and leases to core deposits | 50.7615% | 3,913 |
| Total domestic deposits to total assets | 46.1200% | 4,661 |
| Equity capital to assets | 51.3887% | 82 |
| Core capital (leverage) ratio | 63.1751% | 77 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $33,036,000 | 4,622 |
| Average earning assets | $30,983,000 | 4,598 |
| Average equity | $21,771,000 | 2,842 |
| Average total loans | $4,776,000 | 4,661 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.1648% | 4,766 |
| Cost of funding earning assets | 0.0000% | 4,753 |
| Net interest margin | 0.1648% | 4,765 |
| Noninterest income to average assets | 0.0000% | 4,732 |
| Noninterest expense to average assets | 10.1858% | 68 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | -10.0320% | 4,763 |
| Return on assets (ROA) | -10.0320% | 4,763 |
| Pretax return on assets | -10.0320% | 4,762 |
| Return on Equity (ROE) | -11.1211% | 4,730 |
| Retained earnings to average equity (ytd only) | -11.1211% | 4,679 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 6,621.0526% | 2 |
| Assets per employee ($millions) | 1.4530% | 4,719 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| 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 | NA | NA |
| Net loans and leases to total assets | 0.0000% | 4,740 |
| Net loans and leases to deposits | 0.0000% | 4,740 |
| Net loans and leases to core deposits | 0.0000% | 4,730 |
| Total domestic deposits to total assets | 6.0362% | 4,756 |
| Equity capital to assets | 90.2069% | 15 |
| Core capital (leverage) ratio | 99.8253% | 7 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $24,701,000 | 4,718 |
| Average earning assets | $23,060,000 | 4,702 |
| Average equity | $22,282,000 | 2,866 |
| Average total loans | NA | NA |