Home > Lexicon Bank > Performance and Condition Ratios
Lexicon 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 | 4.9874% | 2,090 |
| Cost of funding earning assets | 1.2099% | 2,775 |
| Net interest margin | 3.7776% | 1,600 |
| Noninterest income to average assets | 0.2300% | 3,570 |
| Noninterest expense to average assets | 2.8612% | 1,364 |
| Loan and lease loss provision to assets | 0.4700% | 196 |
| Net operating income to assets | 0.4003% | 3,870 |
| Return on assets (ROA) | 0.4003% | 3,862 |
| Pretax return on assets | 0.5098% | 3,790 |
| Return on Equity (ROE) | 4.0500% | 3,878 |
| Retained earnings to average equity (ytd only) | 3.4507% | 3,143 |
| Net charge-offs to loans | 0.1952% | 550 |
| Credit loss provision to net charge-offs | 399.3266% | 788 |
| Earnings coverage of net charge-offs (x) | 8.3502% | 2,351 |
| Efficiency ratio | 74.5432% | 1,402 |
| Assets per employee ($millions) | 9.7716% | 756 |
| Cash dividends to net income (ytd only)* | 14.7638% | 3,104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4148% | 1,334 |
| 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 | 60.8400% | 2,768 |
| Net loans and leases to deposits | 70.2816% | 2,874 |
| Net loans and leases to core deposits | 77.7404% | 2,858 |
| Total domestic deposits to total assets | 86.5700% | 1,824 |
| Equity capital to assets | 9.4523% | 2,383 |
| Core capital (leverage) ratio | 10.9889% | 1,971 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $253,809,800 | 2,660 |
| Average earning assets | $242,749,600 | 2,611 |
| Average equity | $25,096,200 | 2,511 |
| Average total loans | $152,154,800 | 2,657 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9572% | 1,930 |
| Cost of funding earning assets | 1.1425% | 2,613 |
| Net interest margin | 3.8147% | 1,566 |
| Noninterest income to average assets | 0.2200% | 3,650 |
| Noninterest expense to average assets | 2.9944% | 1,077 |
| Loan and lease loss provision to assets | 0.3500% | 251 |
| Net operating income to assets | 0.4168% | 3,935 |
| Return on assets (ROA) | 0.4168% | 3,927 |
| Pretax return on assets | 0.5245% | 3,866 |
| Return on Equity (ROE) | 4.1700% | 3,954 |
| Retained earnings to average equity (ytd only) | 3.3621% | 3,426 |
| Net charge-offs to loans | 0.2234% | 395 |
| Credit loss provision to net charge-offs | 261.2903% | 962 |
| Earnings coverage of net charge-offs (x) | 6.5605% | 2,280 |
| Efficiency ratio | 77.4529% | 1,052 |
| Assets per employee ($millions) | 8.6244% | 1,070 |
| Cash dividends to net income (ytd only)* | 19.2802% | 2,487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2186% | 2,268 |
| 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 | 61.6100% | 2,689 |
| Net loans and leases to deposits | 69.5506% | 2,870 |
| Net loans and leases to core deposits | 78.0179% | 2,741 |
| Total domestic deposits to total assets | 88.5900% | 1,380 |
| Equity capital to assets | 9.9465% | 1,860 |
| Core capital (leverage) ratio | 11.1027% | 1,925 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $248,861,000 | 2,693 |
| Average earning assets | $237,845,250 | 2,645 |
| Average equity | $24,904,750 | 2,507 |
| Average total loans | $147,979,500 | 2,699 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8343% | 1,918 |
| Cost of funding earning assets | 0.9810% | 2,662 |
| Net interest margin | 3.8533% | 1,517 |
| Noninterest income to average assets | 0.2000% | 3,770 |
| Noninterest expense to average assets | 2.8473% | 1,335 |
| Loan and lease loss provision to assets | 0.3900% | 217 |
| Net operating income to assets | 0.5072% | 3,793 |
| Return on assets (ROA) | 0.5072% | 3,802 |
| Pretax return on assets | 0.6392% | 3,725 |
| Return on Equity (ROE) | 5.0600% | 3,866 |
| Retained earnings to average equity (ytd only) | 5.0574% | 2,920 |
| Net charge-offs to loans | 0.2037% | 393 |
| Credit loss provision to net charge-offs | 330.4054% | 812 |
| Earnings coverage of net charge-offs (x) | 8.6689% | 2,048 |
| Efficiency ratio | 73.3817% | 1,421 |
| Assets per employee ($millions) | 7.4270% | 1,640 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1888% | 2,497 |
| 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 | 66.4600% | 2,106 |
| Net loans and leases to deposits | 76.6189% | 2,247 |
| Net loans and leases to core deposits | 83.3749% | 2,244 |
| Total domestic deposits to total assets | 86.7400% | 2,012 |
| Equity capital to assets | 10.9469% | 1,408 |
| Core capital (leverage) ratio | 11.0828% | 1,870 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $248,445,000 | 2,696 |
| Average earning assets | $237,302,000 | 2,658 |
| Average equity | $24,914,000 | 2,526 |
| Average total loans | $145,304,333 | 2,711 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3738% | 2,625 |
| Cost of funding earning assets | 0.9101% | 2,340 |
| Net interest margin | 3.4638% | 2,462 |
| Noninterest income to average assets | 0.1900% | 3,837 |
| Noninterest expense to average assets | 2.8577% | 1,320 |
| Loan and lease loss provision to assets | 0.3100% | 269 |
| Net operating income to assets | 0.2718% | 4,283 |
| Return on assets (ROA) | 0.2718% | 4,252 |
| Pretax return on assets | 0.3417% | 4,216 |
| Return on Equity (ROE) | 2.8300% | 4,204 |
| Retained earnings to average equity (ytd only) | 2.8261% | 3,544 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 81.3439% | 747 |
| Assets per employee ($millions) | 10.2946% | 634 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1628% | 2,754 |
| 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 | 54.0500% | 3,199 |
| Net loans and leases to deposits | 60.5259% | 3,301 |
| Net loans and leases to core deposits | 64.6482% | 3,309 |
| Total domestic deposits to total assets | 89.3000% | 1,422 |
| Equity capital to assets | 9.3847% | 2,239 |
| Core capital (leverage) ratio | 10.7621% | 2,019 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $257,548,500 | 2,684 |
| Average earning assets | $247,014,000 | 2,629 |
| Average equity | $24,769,000 | 2,563 |
| Average total loans | $140,527,000 | 2,793 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4688% | 3,154 |
| Cost of funding earning assets | 0.2980% | 2,891 |
| Net interest margin | 3.1709% | 2,958 |
| Noninterest income to average assets | 0.1700% | 4,121 |
| Noninterest expense to average assets | 2.5110% | 2,078 |
| Loan and lease loss provision to assets | 0.3800% | 188 |
| Net operating income to assets | 0.3824% | 4,261 |
| Return on assets (ROA) | 0.3824% | 4,227 |
| Pretax return on assets | 0.2564% | 4,402 |
| Return on Equity (ROE) | 3.8500% | 4,184 |
| Retained earnings to average equity (ytd only) | 3.8458% | 3,446 |
| Net charge-offs to loans | 0.3898% | 192 |
| Credit loss provision to net charge-offs | 177.7567% | 1,190 |
| Earnings coverage of net charge-offs (x) | 2.9696% | 2,485 |
| Efficiency ratio | 79.7196% | 739 |
| Assets per employee ($millions) | 9.1643% | 863 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1056% | 2,869 |
| 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 | 53.8300% | 3,214 |
| Net loans and leases to deposits | 60.6318% | 3,294 |
| Net loans and leases to core deposits | 64.5119% | 3,236 |
| Total domestic deposits to total assets | 88.7800% | 1,785 |
| Equity capital to assets | 9.8688% | 1,775 |
| Core capital (leverage) ratio | 11.1699% | 1,702 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $244,520,000 | 2,761 |
| Average earning assets | $229,558,400 | 2,737 |
| Average equity | $24,312,200 | 2,615 |
| Average total loans | $134,956,800 | 2,776 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2187% | 3,390 |
| Cost of funding earning assets | 0.1784% | 3,534 |
| Net interest margin | 3.0403% | 3,114 |
| Noninterest income to average assets | 0.1600% | 4,207 |
| Noninterest expense to average assets | 2.5863% | 1,745 |
| Loan and lease loss provision to assets | 0.2500% | 322 |
| Net operating income to assets | 0.0881% | 4,549 |
| Return on assets (ROA) | 0.0881% | 4,520 |
| Pretax return on assets | 0.1613% | 4,485 |
| Return on Equity (ROE) | 0.8800% | 4,503 |
| Retained earnings to average equity (ytd only) | 0.8839% | 4,231 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 86.1541% | 456 |
| Assets per employee ($millions) | 8.7993% | 967 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1532% | 2,780 |
| Loan loss allowance to noncurrent loans | 309.0000% | 2,149 |
| Noncurrent assets plus other real estate owned to assets | 0.2105% | 2,201 |
| Noncurrent loans to loans | 0.3732% | 1,893 |
| Net loans and leases to total assets | 55.7400% | 2,926 |
| Net loans and leases to deposits | 62.7125% | 2,967 |
| Net loans and leases to core deposits | 63.5531% | 3,154 |
| Total domestic deposits to total assets | 88.8800% | 2,138 |
| Equity capital to assets | 9.6413% | 1,801 |
| Core capital (leverage) ratio | 11.1956% | 1,612 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $243,790,750 | 2,784 |
| Average earning assets | $227,913,000 | 2,771 |
| Average equity | $24,285,500 | 2,671 |
| Average total loans | $135,026,750 | 2,782 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0428% | 3,447 |
| Cost of funding earning assets | 0.1284% | 3,863 |
| Net interest margin | 2.9144% | 3,126 |
| Noninterest income to average assets | 0.1586% | 4,220 |
| Noninterest expense to average assets | 2.5185% | 1,868 |
| Loan and lease loss provision to assets | 0.2343% | 327 |
| Net operating income to assets | 0.0521% | 4,552 |
| Return on assets (ROA) | 0.0521% | 4,519 |
| Pretax return on assets | 0.1025% | 4,488 |
| Return on Equity (ROE) | 0.5173% | 4,515 |
| Retained earnings to average equity (ytd only) | 0.5173% | 4,090 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.2051% | 484 |
| Assets per employee ($millions) | 9.4207% | 775 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0519% | 3,360 |
| 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 | 54.6360% | 2,894 |
| Net loans and leases to deposits | 61.6807% | 2,916 |
| Net loans and leases to core deposits | 62.4218% | 3,080 |
| Total domestic deposits to total assets | 88.5787% | 2,340 |
| Equity capital to assets | 10.0107% | 1,710 |
| Core capital (leverage) ratio | 11.3658% | 1,405 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $245,860,333 | 2,794 |
| Average earning assets | $227,490,000 | 2,814 |
| Average equity | $24,745,333 | 2,695 |
| Average total loans | $135,379,000 | 2,795 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1070% | 2,963 |
| Cost of funding earning assets | 0.1376% | 3,667 |
| Net interest margin | 2.9694% | 2,601 |
| Noninterest income to average assets | 0.1753% | 4,123 |
| Noninterest expense to average assets | 2.3200% | 2,422 |
| Loan and lease loss provision to assets | 0.2071% | 349 |
| Net operating income to assets | 0.2884% | 4,170 |
| Return on assets (ROA) | 0.2884% | 4,143 |
| Pretax return on assets | 0.3649% | 4,093 |
| Return on Equity (ROE) | 2.8583% | 4,122 |
| Retained earnings to average equity (ytd only) | 2.8583% | 3,310 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2204% | 1,134 |
| Assets per employee ($millions) | 9.8052% | 719 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8872% | 4,074 |
| 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 | 53.0255% | 2,873 |
| Net loans and leases to deposits | 59.5881% | 2,944 |
| Net loans and leases to core deposits | 60.2467% | 3,122 |
| Total domestic deposits to total assets | 88.9866% | 2,087 |
| Equity capital to assets | 9.6624% | 2,167 |
| Core capital (leverage) ratio | 11.1106% | 1,454 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $251,032,000 | 2,781 |
| Average earning assets | $229,676,500 | 2,810 |
| Average equity | $25,329,500 | 2,749 |
| Average total loans | $138,046,000 | 2,765 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5367% | 2,551 |
| Cost of funding earning assets | 0.2056% | 3,411 |
| Net interest margin | 3.3311% | 2,233 |
| Noninterest income to average assets | 0.0909% | 4,639 |
| Noninterest expense to average assets | 2.1260% | 3,319 |
| Loan and lease loss provision to assets | 0.1299% | 945 |
| Net operating income to assets | 0.9542% | 2,852 |
| Return on assets (ROA) | 0.9597% | 2,905 |
| Pretax return on assets | 1.0768% | 3,041 |
| Return on Equity (ROE) | 13.2039% | 1,395 |
| Retained earnings to average equity (ytd only) | 13.2039% | 378 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9108% | 2,580 |
| Assets per employee ($millions) | 10.7447% | 543 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7731% | 4,312 |
| 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 | 56.0928% | 2,598 |
| Net loans and leases to deposits | 71.1337% | 2,005 |
| Net loans and leases to core deposits | 71.6573% | 2,290 |
| Total domestic deposits to total assets | 78.8555% | 4,331 |
| Equity capital to assets | 10.5314% | 2,146 |
| Core capital (leverage) ratio | 12.2699% | 996 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $274,883,000 | 2,572 |
| Average earning assets | $267,001,600 | 2,511 |
| Average equity | $19,979,000 | 3,220 |
| Average total loans | $167,709,200 | 2,486 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4130% | 3,063 |
| Cost of funding earning assets | 0.2195% | 3,428 |
| Net interest margin | 3.1935% | 2,750 |
| Noninterest income to average assets | 0.0800% | 4,732 |
| Noninterest expense to average assets | 2.0788% | 3,423 |
| Loan and lease loss provision to assets | 0.1288% | 906 |
| Net operating income to assets | 0.9396% | 3,122 |
| Return on assets (ROA) | 0.9396% | 3,206 |
| Pretax return on assets | 1.0105% | 3,422 |
| Return on Equity (ROE) | 14.3385% | 1,305 |
| Retained earnings to average equity (ytd only) | 14.3385% | 478 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5986% | 2,300 |
| Assets per employee ($millions) | 13.3632% | 276 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6470% | 4,575 |
| 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 | 54.5054% | 2,906 |
| Net loans and leases to deposits | 82.3213% | 1,092 |
| Net loans and leases to core deposits | 82.7766% | 1,517 |
| Total domestic deposits to total assets | 66.2107% | 4,795 |
| Equity capital to assets | 6.9633% | 4,812 |
| Core capital (leverage) ratio | 10.6094% | 1,973 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $281,821,750 | 2,550 |
| Average earning assets | $276,934,000 | 2,470 |
| Average equity | $18,467,250 | 3,392 |
| Average total loans | $174,711,250 | 2,465 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2052% | 3,670 |
| Cost of funding earning assets | 0.2320% | 3,451 |
| Net interest margin | 2.9731% | 3,386 |
| Noninterest income to average assets | 0.0709% | 4,783 |
| Noninterest expense to average assets | 2.0048% | 3,684 |
| Loan and lease loss provision to assets | 0.1006% | 1,260 |
| Net operating income to assets | 0.8539% | 3,353 |
| Return on assets (ROA) | 0.8539% | 3,430 |
| Pretax return on assets | 0.8894% | 3,683 |
| Return on Equity (ROE) | 13.3081% | 1,623 |
| Retained earnings to average equity (ytd only) | 13.3081% | 667 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9427% | 2,023 |
| Assets per employee ($millions) | 13.8255% | 242 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4705% | 4,759 |
| 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 | 63.0310% | 2,060 |
| Net loans and leases to deposits | 123.7572% | 47 |
| Net loans and leases to core deposits | 124.6168% | 170 |
| Total domestic deposits to total assets | 50.9312% | 4,895 |
| Equity capital to assets | 6.4725% | 4,896 |
| Core capital (leverage) ratio | 11.4050% | 1,359 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $282,220,000 | 2,547 |
| Average earning assets | $277,553,000 | 2,463 |
| Average equity | $18,109,333 | 3,417 |
| Average total loans | $181,630,667 | 2,425 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8870% | 4,277 |
| Cost of funding earning assets | 0.2367% | 3,589 |
| Net interest margin | 2.6503% | 4,056 |
| Noninterest income to average assets | 0.0590% | 4,827 |
| Noninterest expense to average assets | 2.1067% | 3,403 |
| Loan and lease loss provision to assets | 0.1294% | 1,056 |
| Net operating income to assets | 0.4314% | 4,311 |
| Return on assets (ROA) | 0.4314% | 4,341 |
| Pretax return on assets | 0.4314% | 4,451 |
| Return on Equity (ROE) | 6.7537% | 3,666 |
| Retained earnings to average equity (ytd only) | 6.7537% | 2,651 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9757% | 894 |
| Assets per employee ($millions) | 14.5032% | 219 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3947% | 4,830 |
| 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 | 67.3643% | 1,617 |
| Net loans and leases to deposits | 141.1685% | 30 |
| Net loans and leases to core deposits | 142.1662% | 89 |
| Total domestic deposits to total assets | 47.7191% | 4,925 |
| Equity capital to assets | 5.8338% | 4,949 |
| Core capital (leverage) ratio | 10.5458% | 2,048 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $278,162,500 | 2,553 |
| Average earning assets | $273,778,500 | 2,466 |
| Average equity | $17,768,000 | 3,447 |
| Average total loans | $180,513,000 | 2,433 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6958% | 4,796 |
| Cost of funding earning assets | 0.3922% | 3,626 |
| Net interest margin | 2.3036% | 4,719 |
| Noninterest income to average assets | 0.0447% | 4,871 |
| Noninterest expense to average assets | 2.5976% | 2,554 |
| Loan and lease loss provision to assets | 0.2171% | 1,807 |
| Net operating income to assets | -0.5092% | 4,883 |
| Return on assets (ROA) | -0.5092% | 4,887 |
| Pretax return on assets | -0.5092% | 4,879 |
| Return on Equity (ROE) | -4.9643% | 4,894 |
| Retained earnings to average equity (ytd only) | -4.9643% | 4,832 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 112.6668% | 108 |
| Assets per employee ($millions) | 13.2431% | 250 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4667% | 4,812 |
| 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 | 61.2760% | 2,691 |
| Net loans and leases to deposits | 113.5311% | 122 |
| Net loans and leases to core deposits | 114.3894% | 399 |
| Total domestic deposits to total assets | 53.9729% | 4,937 |
| Equity capital to assets | 7.0066% | 4,914 |
| Core capital (leverage) ratio | 12.0218% | 1,233 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $172,239,200 | 3,176 |
| Average earning assets | $169,042,200 | 3,080 |
| Average equity | $17,666,200 | 3,402 |
| Average total loans | $105,018,600 | 3,165 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3834% | 4,920 |
| Cost of funding earning assets | 0.4139% | 3,736 |
| Net interest margin | 1.9695% | 4,895 |
| Noninterest income to average assets | 0.0341% | 4,925 |
| Noninterest expense to average assets | 2.7612% | 2,086 |
| Loan and lease loss provision to assets | 0.2100% | 1,912 |
| Net operating income to assets | -1.0053% | 4,946 |
| Return on assets (ROA) | -1.0053% | 4,948 |
| Pretax return on assets | -1.0053% | 4,944 |
| Return on Equity (ROE) | -8.6673% | 4,954 |
| Retained earnings to average equity (ytd only) | -8.6673% | 4,911 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 140.4539% | 50 |
| Assets per employee ($millions) | 13.2980% | 237 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3766% | 4,893 |
| 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 | 61.7774% | 3,035 |
| Net loans and leases to deposits | 126.5028% | 70 |
| Net loans and leases to core deposits | 127.3346% | 284 |
| Total domestic deposits to total assets | 48.8348% | 4,979 |
| Equity capital to assets | 6.8649% | 4,967 |
| Core capital (leverage) ratio | 12.6221% | 1,068 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $152,394,250 | 3,355 |
| Average earning assets | $149,475,000 | 3,250 |
| Average equity | $17,675,250 | 3,398 |
| Average total loans | $92,547,000 | 3,375 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3151% | 4,993 |
| Cost of funding earning assets | 0.4369% | 3,859 |
| Net interest margin | 1.8782% | 4,972 |
| Noninterest income to average assets | 0.0252% | 4,965 |
| Noninterest expense to average assets | 3.4496% | 793 |
| Loan and lease loss provision to assets | 0.2572% | 1,644 |
| Net operating income to assets | -1.8458% | 5,012 |
| Return on assets (ROA) | -1.8458% | 5,012 |
| Pretax return on assets | -1.8458% | 5,002 |
| Return on Equity (ROE) | -12.3473% | 5,000 |
| Retained earnings to average equity (ytd only) | -12.3473% | 4,952 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 185.3659% | 24 |
| Assets per employee ($millions) | 16.5669% | 126 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3379% | 4,942 |
| 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 | 59.6936% | 3,362 |
| Net loans and leases to deposits | 124.5067% | 69 |
| Net loans and leases to core deposits | 125.3536% | 322 |
| Total domestic deposits to total assets | 47.9441% | 5,011 |
| Equity capital to assets | 6.9790% | 4,977 |
| Core capital (leverage) ratio | 12.8305% | 1,064 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $118,971,667 | 3,736 |
| Average earning assets | $116,282,000 | 3,644 |
| Average equity | $17,785,333 | 3,387 |
| Average total loans | $71,170,000 | 3,728 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5886% | 4,542 |
| Cost of funding earning assets | 0.5801% | 3,528 |
| Net interest margin | 3.0086% | 4,266 |
| Noninterest income to average assets | 0.0369% | 4,994 |
| Noninterest expense to average assets | 7.1210% | 116 |
| Loan and lease loss provision to assets | 0.8043% | 305 |
| Net operating income to assets | -5.0179% | 5,095 |
| Return on assets (ROA) | -5.0179% | 5,087 |
| Pretax return on assets | -5.0179% | 5,084 |
| Return on Equity (ROE) | -15.1057% | 5,039 |
| Retained earnings to average equity (ytd only) | -15.1057% | 4,899 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 244.9239% | 19 |
| Assets per employee ($millions) | 4.8784% | 2,778 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2477% | 2,409 |
| 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 | 61.9224% | 3,305 |
| Net loans and leases to deposits | 89.4245% | 1,579 |
| Net loans and leases to core deposits | 95.9426% | 1,793 |
| Total domestic deposits to total assets | 69.2455% | 4,884 |
| Equity capital to assets | 30.2472% | 68 |
| Core capital (leverage) ratio | 31.3658% | 60 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $54,205,500 | 4,636 |
| Average earning assets | $51,719,000 | 4,607 |
| Average equity | $18,006,500 | 3,370 |
| Average total loans | $32,333,000 | 4,553 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.1583% | 5,162 |
| Cost of funding earning assets | 0.0807% | 5,123 |
| Net interest margin | 1.0776% | 5,151 |
| Noninterest income to average assets | 0.1333% | 4,807 |
| Noninterest expense to average assets | 7.6848% | 93 |
| Loan and lease loss provision to assets | 0.9524% | 102 |
| Net operating income to assets | -7.4861% | 5,176 |
| Return on assets (ROA) | -7.4861% | 5,176 |
| Pretax return on assets | -7.4861% | 5,176 |
| Return on Equity (ROE) | -14.5984% | 5,143 |
| Retained earnings to average equity (ytd only) | -14.5984% | 5,112 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 667.6123% | 6 |
| Assets per employee ($millions) | 4.1558% | 3,688 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2519% | 2,163 |
| 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 | 55.3599% | 3,967 |
| Net loans and leases to deposits | 87.9628% | 1,849 |
| Net loans and leases to core deposits | 87.9628% | 2,609 |
| Total domestic deposits to total assets | 62.9356% | 5,064 |
| Equity capital to assets | 36.7074% | 55 |
| Core capital (leverage) ratio | 53.6550% | 35 |
| Tier 1 risk-based capital ratio | 55.8723% | 108 |
| Total risk-based capital ratio | 56.9405% | 107 |
| Memoranda: | ||
| Average total assets | $36,748,000 | 4,944 |
| Average earning assets | $34,705,500 | 4,921 |
| Average equity | $18,844,500 | 3,240 |
| Average total loans | $14,092,500 | 4,985 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.5140% | 5,250 |
| Cost of funding earning assets | 0.0061% | 5,241 |
| Net interest margin | 0.5078% | 5,248 |
| Noninterest income to average assets | 0.0000% | 5,208 |
| Noninterest expense to average assets | 9.9774% | 72 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | -9.5091% | 5,255 |
| Return on assets (ROA) | -9.5091% | 5,255 |
| Pretax return on assets | -9.5091% | 5,255 |
| Return on Equity (ROE) | -11.5906% | 5,209 |
| Retained earnings to average equity (ytd only) | -11.5906% | 5,163 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 2,130.1205% | 2 |
| Assets per employee ($millions) | 1.9688% | 5,166 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 5,205 |
| 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 | 0.9608% | 5,222 |
| Net loans and leases to deposits | 5.3817% | 5,218 |
| Net loans and leases to core deposits | 5.3817% | 5,209 |
| Total domestic deposits to total assets | 17.8532% | 5,233 |
| Equity capital to assets | 82.0410% | 21 |
| Core capital (leverage) ratio | 109.1815% | 2 |
| Tier 1 risk-based capital ratio | 772.8469% | 3 |
| Total risk-based capital ratio | 772.8469% | 3 |
| Memoranda: | ||
| Average total assets | $23,626,000 | 5,166 |
| Average earning assets | $21,792,000 | 5,148 |
| Average equity | $19,383,000 | 3,205 |
| Average total loans | $227,000 | 5,223 |