Home > Gulfside Bank > Performance and Condition Ratios
Gulfside Bank, Performance and Condition Ratios
| 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 | 4.9184% | 2,236 |
| Cost of funding earning assets | 1.3714% | 2,306 |
| Net interest margin | 3.5470% | 2,076 |
| Noninterest income to average assets | 0.3600% | 2,733 |
| Noninterest expense to average assets | 2.3315% | 2,768 |
| Loan and lease loss provision to assets | 0.1400% | 913 |
| Net operating income to assets | 0.9907% | 2,253 |
| Return on assets (ROA) | 0.9818% | 2,261 |
| Pretax return on assets | 1.2579% | 1,985 |
| Return on Equity (ROE) | 13.1100% | 1,698 |
| Retained earnings to average equity (ytd only) | 13.1125% | 489 |
| 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 | 62.2522% | 2,806 |
| Assets per employee ($millions) | 9.2653% | 895 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1665% | 2,469 |
| 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 | 67.9900% | 2,037 |
| Net loans and leases to deposits | 74.5934% | 2,576 |
| Net loans and leases to core deposits | 75.9020% | 2,984 |
| Total domestic deposits to total assets | 91.1400% | 469 |
| Equity capital to assets | 8.3512% | 3,159 |
| Core capital (leverage) ratio | 9.8512% | 2,932 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $273,381,400 | 2,563 |
| Average earning assets | $260,895,400 | 2,516 |
| Average equity | $20,469,000 | 2,822 |
| Average total loans | $171,004,400 | 2,515 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8250% | 2,213 |
| Cost of funding earning assets | 1.2383% | 2,308 |
| Net interest margin | 3.5866% | 2,040 |
| Noninterest income to average assets | 0.3900% | 2,543 |
| Noninterest expense to average assets | 2.3514% | 2,651 |
| Loan and lease loss provision to assets | 0.1700% | 682 |
| Net operating income to assets | 1.0055% | 2,350 |
| Return on assets (ROA) | 0.9936% | 2,368 |
| Pretax return on assets | 1.2757% | 2,106 |
| Return on Equity (ROE) | 13.6600% | 1,744 |
| Retained earnings to average equity (ytd only) | 13.6557% | 720 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 61.6266% | 2,765 |
| Assets per employee ($millions) | 9.5604% | 779 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1895% | 2,415 |
| 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 | 63.7300% | 2,472 |
| Net loans and leases to deposits | 69.1903% | 2,894 |
| Net loans and leases to core deposits | 70.3624% | 3,191 |
| Total domestic deposits to total assets | 92.1100% | 433 |
| Equity capital to assets | 7.3864% | 3,421 |
| Core capital (leverage) ratio | 9.2119% | 3,582 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $274,553,500 | 2,561 |
| Average earning assets | $261,965,000 | 2,511 |
| Average equity | $19,976,500 | 2,848 |
| Average total loans | $167,548,750 | 2,548 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6564% | 2,294 |
| Cost of funding earning assets | 1.1000% | 2,281 |
| Net interest margin | 3.5564% | 2,137 |
| Noninterest income to average assets | 0.3900% | 2,505 |
| Noninterest expense to average assets | 2.3460% | 2,664 |
| Loan and lease loss provision to assets | 0.2400% | 414 |
| Net operating income to assets | 0.9380% | 2,621 |
| Return on assets (ROA) | 0.9201% | 2,671 |
| Pretax return on assets | 1.1803% | 2,414 |
| Return on Equity (ROE) | 12.7100% | 1,965 |
| Retained earnings to average equity (ytd only) | 12.7114% | 853 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 61.9572% | 2,719 |
| Assets per employee ($millions) | 9.5586% | 765 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2084% | 2,398 |
| 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 | 59.7900% | 2,792 |
| Net loans and leases to deposits | 64.7143% | 3,146 |
| Net loans and leases to core deposits | 65.7028% | 3,366 |
| Total domestic deposits to total assets | 92.3800% | 349 |
| Equity capital to assets | 7.1786% | 3,701 |
| Core capital (leverage) ratio | 9.0297% | 3,733 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $273,654,333 | 2,565 |
| Average earning assets | $261,276,000 | 2,524 |
| Average equity | $19,809,000 | 2,884 |
| Average total loans | $163,791,333 | 2,565 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4585% | 2,409 |
| Cost of funding earning assets | 0.9580% | 2,192 |
| Net interest margin | 3.5005% | 2,361 |
| Noninterest income to average assets | 0.3600% | 2,656 |
| Noninterest expense to average assets | 2.3482% | 2,677 |
| Loan and lease loss provision to assets | 0.2800% | 314 |
| Net operating income to assets | 0.8304% | 3,091 |
| Return on assets (ROA) | 0.7937% | 3,163 |
| Pretax return on assets | 1.0183% | 2,938 |
| Return on Equity (ROE) | 10.9200% | 2,517 |
| Retained earnings to average equity (ytd only) | 10.9160% | 1,484 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 63.5075% | 2,521 |
| Assets per employee ($millions) | 9.4141% | 820 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1766% | 2,681 |
| 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 | 58.5900% | 2,813 |
| Net loans and leases to deposits | 63.3464% | 3,140 |
| Net loans and leases to core deposits | 63.8909% | 3,353 |
| Total domestic deposits to total assets | 92.4800% | 406 |
| Equity capital to assets | 7.0462% | 3,807 |
| Core capital (leverage) ratio | 9.3475% | 3,357 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $267,103,000 | 2,635 |
| Average earning assets | $254,707,000 | 2,582 |
| Average equity | $19,421,000 | 2,941 |
| Average total loans | $158,918,000 | 2,632 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5349% | 2,985 |
| Cost of funding earning assets | 0.3868% | 2,203 |
| Net interest margin | 3.1481% | 3,028 |
| Noninterest income to average assets | 0.5700% | 1,784 |
| Noninterest expense to average assets | 2.4584% | 2,246 |
| Loan and lease loss provision to assets | 0.1800% | 616 |
| Net operating income to assets | 0.6702% | 3,704 |
| Return on assets (ROA) | 0.6702% | 3,655 |
| Pretax return on assets | 0.8878% | 3,401 |
| Return on Equity (ROE) | 8.2400% | 3,319 |
| Retained earnings to average equity (ytd only) | 8.2374% | 1,742 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 69.6323% | 1,738 |
| Assets per employee ($millions) | 8.9923% | 920 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2400% | 2,195 |
| 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 | 59.0000% | 2,732 |
| Net loans and leases to deposits | 64.1850% | 3,026 |
| Net loans and leases to core deposits | 64.5560% | 3,232 |
| Total domestic deposits to total assets | 91.9200% | 663 |
| Equity capital to assets | 7.5231% | 3,372 |
| Core capital (leverage) ratio | 9.6096% | 3,040 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $240,364,400 | 2,780 |
| Average earning assets | $225,944,800 | 2,764 |
| Average equity | $19,557,200 | 2,991 |
| Average total loans | $132,001,600 | 2,805 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2823% | 3,232 |
| Cost of funding earning assets | 0.2655% | 2,538 |
| Net interest margin | 3.0167% | 3,177 |
| Noninterest income to average assets | 0.5900% | 1,743 |
| Noninterest expense to average assets | 2.4650% | 2,112 |
| Loan and lease loss provision to assets | 0.2200% | 387 |
| Net operating income to assets | 0.5524% | 3,963 |
| Return on assets (ROA) | 0.5524% | 3,902 |
| Pretax return on assets | 0.7303% | 3,738 |
| Return on Equity (ROE) | 6.6600% | 3,662 |
| Retained earnings to average equity (ytd only) | 6.6560% | 2,493 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 72.1611% | 1,493 |
| Assets per employee ($millions) | 9.0898% | 866 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2510% | 2,255 |
| 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 | 58.3800% | 2,655 |
| Net loans and leases to deposits | 63.2938% | 2,921 |
| Net loans and leases to core deposits | 64.0541% | 3,113 |
| Total domestic deposits to total assets | 92.2300% | 802 |
| Equity capital to assets | 7.3823% | 3,280 |
| Core capital (leverage) ratio | 9.1845% | 3,405 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $237,509,500 | 2,816 |
| Average earning assets | $222,443,000 | 2,809 |
| Average equity | $19,711,000 | 3,018 |
| Average total loans | $127,400,250 | 2,852 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9683% | 3,631 |
| Cost of funding earning assets | 0.1922% | 3,023 |
| Net interest margin | 2.7762% | 3,511 |
| Noninterest income to average assets | 0.5518% | 1,940 |
| Noninterest expense to average assets | 2.4848% | 1,975 |
| Loan and lease loss provision to assets | 0.1907% | 458 |
| Net operating income to assets | 0.3508% | 4,206 |
| Return on assets (ROA) | 0.3508% | 4,161 |
| Pretax return on assets | 0.4598% | 4,064 |
| Return on Equity (ROE) | 4.0707% | 4,017 |
| Retained earnings to average equity (ytd only) | 4.0707% | 3,054 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.2504% | 1,003 |
| Assets per employee ($millions) | 8.8123% | 948 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2342% | 2,504 |
| 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 | 53.3827% | 3,023 |
| Net loans and leases to deposits | 57.9220% | 3,233 |
| Net loans and leases to core deposits | 58.6130% | 3,382 |
| Total domestic deposits to total assets | 92.1631% | 778 |
| Equity capital to assets | 7.5771% | 3,418 |
| Core capital (leverage) ratio | 9.1760% | 3,252 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $234,871,000 | 2,861 |
| Average earning assets | $218,575,333 | 2,861 |
| Average equity | $20,242,000 | 3,047 |
| Average total loans | $121,504,333 | 2,928 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8397% | 3,663 |
| Cost of funding earning assets | 0.1877% | 2,975 |
| Net interest margin | 2.6520% | 3,520 |
| Noninterest income to average assets | 0.8037% | 1,035 |
| Noninterest expense to average assets | 2.6051% | 1,588 |
| Loan and lease loss provision to assets | 0.2271% | 306 |
| Net operating income to assets | 0.3180% | 4,111 |
| Return on assets (ROA) | 0.3180% | 4,077 |
| Pretax return on assets | 0.4158% | 4,008 |
| Return on Equity (ROE) | 3.4642% | 4,006 |
| Retained earnings to average equity (ytd only) | 3.4642% | 3,132 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2044% | 1,137 |
| Assets per employee ($millions) | 8.9101% | 951 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3648% | 2,049 |
| 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 | 46.6253% | 3,523 |
| Net loans and leases to deposits | 50.9482% | 3,650 |
| Net loans and leases to core deposits | 51.5746% | 3,765 |
| Total domestic deposits to total assets | 91.5153% | 794 |
| Equity capital to assets | 8.2910% | 3,331 |
| Core capital (leverage) ratio | 9.7703% | 2,516 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $228,935,000 | 2,903 |
| Average earning assets | $211,007,500 | 2,921 |
| Average equity | $21,015,000 | 3,055 |
| Average total loans | $115,574,500 | 2,992 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7213% | 4,293 |
| Cost of funding earning assets | 0.2247% | 3,198 |
| Net interest margin | 2.4966% | 4,194 |
| Noninterest income to average assets | 0.1774% | 4,267 |
| Noninterest expense to average assets | 2.0465% | 3,541 |
| Loan and lease loss provision to assets | 0.1168% | 1,075 |
| Net operating income to assets | 0.2755% | 4,452 |
| Return on assets (ROA) | 0.2770% | 4,472 |
| Pretax return on assets | 0.3629% | 4,429 |
| Return on Equity (ROE) | 2.6382% | 4,425 |
| Retained earnings to average equity (ytd only) | 2.6382% | 3,784 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.0729% | 743 |
| Assets per employee ($millions) | 9.0540% | 902 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2109% | 2,831 |
| 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 | 53.3864% | 2,922 |
| Net loans and leases to deposits | 59.5999% | 3,110 |
| Net loans and leases to core deposits | 60.5657% | 3,278 |
| Total domestic deposits to total assets | 89.5746% | 1,189 |
| Equity capital to assets | 10.1630% | 2,509 |
| Core capital (leverage) ratio | 10.1373% | 2,238 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $209,720,200 | 2,987 |
| Average earning assets | $197,152,000 | 2,979 |
| Average equity | $22,023,000 | 3,057 |
| Average total loans | $105,461,800 | 3,133 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6015% | 4,500 |
| Cost of funding earning assets | 0.2302% | 3,324 |
| Net interest margin | 2.3713% | 4,426 |
| Noninterest income to average assets | 0.0757% | 4,740 |
| Noninterest expense to average assets | 1.9875% | 3,717 |
| Loan and lease loss provision to assets | 0.0707% | 1,607 |
| Net operating income to assets | 0.1936% | 4,629 |
| Return on assets (ROA) | 0.1957% | 4,650 |
| Pretax return on assets | 0.2605% | 4,622 |
| Return on Equity (ROE) | 1.8478% | 4,614 |
| Retained earnings to average equity (ytd only) | 1.8478% | 4,234 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.8172% | 439 |
| Assets per employee ($millions) | 11.3129% | 443 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1841% | 3,059 |
| 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 | 47.4684% | 3,677 |
| Net loans and leases to deposits | 52.7248% | 3,833 |
| Net loans and leases to core deposits | 53.3383% | 3,963 |
| Total domestic deposits to total assets | 90.0304% | 763 |
| Equity capital to assets | 9.7499% | 3,152 |
| Core capital (leverage) ratio | 10.1291% | 2,365 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $207,826,000 | 3,034 |
| Average earning assets | $196,340,750 | 3,018 |
| Average equity | $22,007,750 | 3,087 |
| Average total loans | $102,470,000 | 3,211 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5825% | 4,558 |
| Cost of funding earning assets | 0.2434% | 3,341 |
| Net interest margin | 2.3392% | 4,477 |
| Noninterest income to average assets | 0.0734% | 4,780 |
| Noninterest expense to average assets | 1.9665% | 3,796 |
| Loan and lease loss provision to assets | 0.0892% | 1,390 |
| Net operating income to assets | 0.1716% | 4,655 |
| Return on assets (ROA) | 0.1716% | 4,674 |
| Pretax return on assets | 0.2291% | 4,653 |
| Return on Equity (ROE) | 1.5734% | 4,641 |
| Retained earnings to average equity (ytd only) | 1.5734% | 4,223 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.0677% | 474 |
| Assets per employee ($millions) | 11.3818% | 416 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2026% | 2,922 |
| 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 | 48.1314% | 3,712 |
| Net loans and leases to deposits | 53.7010% | 3,876 |
| Net loans and leases to core deposits | 54.4275% | 4,000 |
| Total domestic deposits to total assets | 89.6284% | 959 |
| Equity capital to assets | 10.2014% | 2,672 |
| Core capital (leverage) ratio | 10.0747% | 2,333 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $201,682,000 | 3,088 |
| Average earning assets | $190,665,000 | 3,062 |
| Average equity | $21,990,333 | 3,086 |
| Average total loans | $100,397,333 | 3,247 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6218% | 4,555 |
| Cost of funding earning assets | 0.2700% | 3,274 |
| Net interest margin | 2.3517% | 4,467 |
| Noninterest income to average assets | 0.0885% | 4,733 |
| Noninterest expense to average assets | 1.9651% | 3,818 |
| Loan and lease loss provision to assets | 0.1152% | 1,192 |
| Net operating income to assets | 0.1728% | 4,656 |
| Return on assets (ROA) | 0.1728% | 4,678 |
| Pretax return on assets | 0.2305% | 4,659 |
| Return on Equity (ROE) | 1.5304% | 4,655 |
| Retained earnings to average equity (ytd only) | 1.5304% | 4,112 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.0401% | 550 |
| Assets per employee ($millions) | 11.4112% | 397 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1744% | 3,068 |
| 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 | 50.5151% | 3,579 |
| Net loans and leases to deposits | 56.5916% | 3,752 |
| Net loans and leases to core deposits | 57.3996% | 3,882 |
| Total domestic deposits to total assets | 89.2625% | 1,193 |
| Equity capital to assets | 10.6094% | 2,160 |
| Core capital (leverage) ratio | 11.2634% | 1,543 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $194,396,000 | 3,130 |
| Average earning assets | $183,694,000 | 3,107 |
| Average equity | $21,955,000 | 3,081 |
| Average total loans | $97,919,500 | 3,289 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7592% | 3,417 |
| Cost of funding earning assets | 0.4678% | 3,165 |
| Net interest margin | 3.2915% | 3,089 |
| Noninterest income to average assets | 0.0981% | 4,749 |
| Noninterest expense to average assets | 2.8562% | 1,801 |
| Loan and lease loss provision to assets | 0.5280% | 440 |
| Net operating income to assets | 0.4271% | 4,190 |
| Return on assets (ROA) | 0.4431% | 4,237 |
| Pretax return on assets | -0.1316% | 4,802 |
| Return on Equity (ROE) | 2.6546% | 4,449 |
| Retained earnings to average equity (ytd only) | 2.6546% | 3,524 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.3642% | 429 |
| Assets per employee ($millions) | 10.1883% | 497 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2956% | 2,434 |
| 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 | 48.8958% | 3,912 |
| Net loans and leases to deposits | 55.7975% | 4,012 |
| Net loans and leases to core deposits | 56.5256% | 4,125 |
| Total domestic deposits to total assets | 87.6307% | 1,642 |
| Equity capital to assets | 12.0606% | 1,538 |
| Core capital (leverage) ratio | 13.2598% | 836 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $128,421,000 | 3,644 |
| Average earning assets | $122,286,200 | 3,598 |
| Average equity | $21,434,800 | 3,062 |
| Average total loans | $73,882,800 | 3,661 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0863% | 2,711 |
| Cost of funding earning assets | 0.5059% | 3,185 |
| Net interest margin | 3.5804% | 2,335 |
| Noninterest income to average assets | 0.1221% | 4,677 |
| Noninterest expense to average assets | 3.1659% | 1,132 |
| Loan and lease loss provision to assets | 0.6793% | 326 |
| Net operating income to assets | -0.3081% | 4,861 |
| Return on assets (ROA) | -0.2976% | 4,866 |
| Pretax return on assets | -0.2976% | 4,862 |
| Return on Equity (ROE) | -1.6052% | 4,856 |
| Retained earnings to average equity (ytd only) | -1.6052% | 4,672 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.5135% | 376 |
| Assets per employee ($millions) | 8.1638% | 945 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1366% | 3,001 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 64.1029% | 2,762 |
| Net loans and leases to deposits | 75.4447% | 2,804 |
| Net loans and leases to core deposits | 76.2471% | 3,149 |
| Total domestic deposits to total assets | 84.9668% | 2,450 |
| Equity capital to assets | 14.5228% | 725 |
| Core capital (leverage) ratio | 14.8912% | 562 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $114,678,750 | 3,808 |
| Average earning assets | $109,371,000 | 3,767 |
| Average equity | $21,264,000 | 3,068 |
| Average total loans | $69,641,750 | 3,755 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1339% | 2,955 |
| Cost of funding earning assets | 0.5563% | 3,204 |
| Net interest margin | 3.5776% | 2,555 |
| Noninterest income to average assets | 0.1559% | 4,515 |
| Noninterest expense to average assets | 3.3717% | 892 |
| Loan and lease loss provision to assets | 0.8603% | 266 |
| Net operating income to assets | -0.6601% | 4,930 |
| Return on assets (ROA) | -0.6428% | 4,928 |
| Pretax return on assets | -0.6428% | 4,922 |
| Return on Equity (ROE) | -3.1453% | 4,897 |
| Retained earnings to average equity (ytd only) | -3.1453% | 4,666 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.3966% | 286 |
| Assets per employee ($millions) | 7.5908% | 1,132 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0887% | 3,130 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 62.9678% | 3,010 |
| Net loans and leases to deposits | 77.0304% | 2,759 |
| Net loans and leases to core deposits | 77.6001% | 3,142 |
| Total domestic deposits to total assets | 81.7441% | 3,439 |
| Equity capital to assets | 15.6043% | 525 |
| Core capital (leverage) ratio | 17.0385% | 342 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $103,922,333 | 3,942 |
| Average earning assets | $99,229,000 | 3,890 |
| Average equity | $21,238,333 | 3,061 |
| Average total loans | $61,095,333 | 3,919 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8585% | 4,115 |
| Cost of funding earning assets | 0.7214% | 2,831 |
| Net interest margin | 3.1371% | 4,019 |
| Noninterest income to average assets | 0.2832% | 3,828 |
| Noninterest expense to average assets | 4.0929% | 456 |
| Loan and lease loss provision to assets | 0.9182% | 247 |
| Net operating income to assets | -1.7084% | 5,034 |
| Return on assets (ROA) | -1.6673% | 5,016 |
| Pretax return on assets | -1.6673% | 5,001 |
| Return on Equity (ROE) | -6.8878% | 4,961 |
| Retained earnings to average equity (ytd only) | -6.8878% | 4,639 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 123.9281% | 97 |
| Assets per employee ($millions) | 5.3974% | 2,231 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2453% | 2,420 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 57.1382% | 3,742 |
| Net loans and leases to deposits | 73.5999% | 3,313 |
| Net loans and leases to core deposits | 74.4049% | 3,611 |
| Total domestic deposits to total assets | 77.6334% | 4,272 |
| Equity capital to assets | 21.8540% | 179 |
| Core capital (leverage) ratio | 21.9912% | 170 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $87,566,000 | 4,166 |
| Average earning assets | $84,282,000 | 4,104 |
| Average equity | $21,197,000 | 3,057 |
| Average total loans | $48,151,500 | 4,188 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5286% | 4,837 |
| Cost of funding earning assets | 0.8475% | 2,441 |
| Net interest margin | 2.6811% | 4,849 |
| Noninterest income to average assets | 0.0457% | 5,044 |
| Noninterest expense to average assets | 4.8653% | 239 |
| Loan and lease loss provision to assets | 0.7255% | 151 |
| Net operating income to assets | -2.9509% | 5,144 |
| Return on assets (ROA) | -2.8686% | 5,144 |
| Pretax return on assets | -2.8686% | 5,142 |
| Return on Equity (ROE) | -8.5739% | 5,110 |
| Retained earnings to average equity (ytd only) | -8.5739% | 5,046 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 184.2956% | 23 |
| Assets per employee ($millions) | 4.3321% | 3,460 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2447% | 2,199 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 50.7733% | 4,292 |
| Net loans and leases to deposits | 70.3045% | 3,644 |
| Net loans and leases to core deposits | 70.3045% | 3,946 |
| Total domestic deposits to total assets | 72.2191% | 4,861 |
| Equity capital to assets | 27.1384% | 98 |
| Core capital (leverage) ratio | 25.6877% | 114 |
| Tier 1 risk-based capital ratio | 43.8992% | 190 |
| Total risk-based capital ratio | 44.9597% | 189 |
| Memoranda: | ||
| Average total assets | $65,606,800 | 4,502 |
| Average earning assets | $63,482,000 | 4,446 |
| Average equity | $21,950,400 | 2,966 |
| Average total loans | $18,538,800 | 4,897 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4166% | 5,017 |
| Cost of funding earning assets | 0.8867% | 2,287 |
| Net interest margin | 2.5300% | 5,045 |
| Noninterest income to average assets | 0.0405% | 5,133 |
| Noninterest expense to average assets | 5.0590% | 204 |
| Loan and lease loss provision to assets | 0.6548% | 168 |
| Net operating income to assets | -3.2269% | 5,225 |
| Return on assets (ROA) | -3.1118% | 5,226 |
| Pretax return on assets | -3.1118% | 5,223 |
| Return on Equity (ROE) | -8.7833% | 5,192 |
| Retained earnings to average equity (ytd only) | -8.7833% | 5,133 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 203.4305% | 21 |
| Assets per employee ($millions) | 4.6179% | 3,018 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2513% | 2,229 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 31.3311% | 5,033 |
| Net loans and leases to deposits | 42.6578% | 4,944 |
| Net loans and leases to core deposits | 42.6578% | 4,985 |
| Total domestic deposits to total assets | 73.4475% | 4,840 |
| Equity capital to assets | 25.9979% | 116 |
| Core capital (leverage) ratio | 26.4184% | 106 |
| Tier 1 risk-based capital ratio | 50.6487% | 133 |
| Total risk-based capital ratio | 51.4430% | 135 |
| Memoranda: | ||
| Average total assets | $62,514,000 | 4,615 |
| Average earning assets | $60,447,750 | 4,561 |
| Average equity | $22,147,500 | 2,971 |
| Average total loans | $13,150,750 | 5,078 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3430% | 5,111 |
| Cost of funding earning assets | 0.8283% | 2,506 |
| Net interest margin | 2.5147% | 5,121 |
| Noninterest income to average assets | 0.0431% | 5,180 |
| Noninterest expense to average assets | 5.5567% | 160 |
| Loan and lease loss provision to assets | 0.5895% | 190 |
| Net operating income to assets | -3.6697% | 5,281 |
| Return on assets (ROA) | -3.6697% | 5,281 |
| Pretax return on assets | -3.6697% | 5,279 |
| Return on Equity (ROE) | -9.1460% | 5,235 |
| Retained earnings to average equity (ytd only) | -9.1460% | 5,163 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 224.3832% | 18 |
| Assets per employee ($millions) | 3.8137% | 4,103 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2523% | 2,237 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 20.3489% | 5,204 |
| Net loans and leases to deposits | 29.5148% | 5,171 |
| Net loans and leases to core deposits | 29.5148% | 5,183 |
| Total domestic deposits to total assets | 68.9447% | 5,076 |
| Equity capital to assets | 30.4909% | 66 |
| Core capital (leverage) ratio | 33.6815% | 60 |
| Tier 1 risk-based capital ratio | 69.9211% | 67 |
| Total risk-based capital ratio | 70.5309% | 69 |
| Memoranda: | ||
| Average total assets | $55,644,670 | 4,761 |
| Average earning assets | $53,843,330 | 4,713 |
| Average equity | $22,326,670 | 2,942 |
| Average total loans | $8,743,330 | 5,201 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2522% | 5,194 |
| Cost of funding earning assets | 0.7889% | 2,597 |
| Net interest margin | 2.4633% | 5,203 |
| Noninterest income to average assets | 0.0169% | 5,283 |
| Noninterest expense to average assets | 5.8937% | 146 |
| Loan and lease loss provision to assets | 0.8045% | 120 |
| Net operating income to assets | -4.3018% | 5,346 |
| Return on assets (ROA) | -4.3018% | 5,345 |
| Pretax return on assets | -4.3018% | 5,342 |
| Return on Equity (ROE) | -9.0540% | 5,288 |
| Retained earnings to average equity (ytd only) | -9.0540% | 5,071 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 245.9364% | 12 |
| Assets per employee ($millions) | 3.4687% | 4,591 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2598% | 2,273 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 15.8171% | 5,283 |
| Net loans and leases to deposits | 25.6511% | 5,254 |
| Net loans and leases to core deposits | 25.6511% | 5,255 |
| Total domestic deposits to total assets | 61.6623% | 5,266 |
| Equity capital to assets | 37.9155% | 51 |
| Core capital (leverage) ratio | 46.6549% | 37 |
| Tier 1 risk-based capital ratio | 98.8321% | 41 |
| Total risk-based capital ratio | 99.3687% | 41 |
| Memoranda: | ||
| Average total assets | $47,236,500 | 4,952 |
| Average earning assets | $45,630,500 | 4,906 |
| Average equity | $22,443,000 | 2,929 |
| Average total loans | $5,649,000 | 5,308 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.3556% | 5,402 |
| Cost of funding earning assets | 0.0382% | 5,374 |
| Net interest margin | 0.3174% | 5,401 |
| Noninterest income to average assets | 0.0113% | 5,333 |
| Noninterest expense to average assets | 3.2559% | 1,423 |
| Loan and lease loss provision to assets | 0.0648% | 2,857 |
| Net operating income to assets | -3.0052% | 5,385 |
| Return on assets (ROA) | -3.0052% | 5,384 |
| Pretax return on assets | -3.0052% | 5,383 |
| Return on Equity (ROE) | -4.7363% | 5,314 |
| Retained earnings to average equity (ytd only) | -4.7363% | 5,238 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 1,032.1429% | 1 |
| Assets per employee ($millions) | 2.3670% | 5,249 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2419% | 2,344 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 5.1514% | 5,368 |
| Net loans and leases to deposits | 14.1827% | 5,346 |
| Net loans and leases to core deposits | 14.1827% | 5,344 |
| Total domestic deposits to total assets | 36.3216% | 5,371 |
| Equity capital to assets | 63.4502% | 33 |
| Core capital (leverage) ratio | 148.5800% | 2 |
| Tier 1 risk-based capital ratio | 241.1264% | 22 |
| Total risk-based capital ratio | 241.3741% | 22 |
| Memoranda: | ||
| Average total assets | $35,505,000 | 5,168 |
| Average earning assets | $34,029,000 | 5,135 |
| Average equity | $22,528,000 | 2,861 |
| Average total loans | $1,852,000 | 5,374 |