Home > Loyal Trust Bank > Performance and Condition Ratios
Loyal Trust 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 | 5.7722% | 863 |
| Cost of funding earning assets | 2.9855% | 148 |
| Net interest margin | 2.7867% | 3,687 |
| Noninterest income to average assets | 0.9500% | 690 |
| Noninterest expense to average assets | 4.0859% | 343 |
| Loan and lease loss provision to assets | 0.2300% | 514 |
| Net operating income to assets | -0.6803% | 4,520 |
| Return on assets (ROA) | -0.6803% | 4,506 |
| Pretax return on assets | -0.6803% | 4,497 |
| Return on Equity (ROE) | -4.4400% | 4,462 |
| Retained earnings to average equity (ytd only) | -4.4400% | 4,377 |
| 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 | 112.5401% | 99 |
| Assets per employee ($millions) | 6.6220% | 2,325 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2501% | 2,012 |
| 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 | 59.2500% | 2,916 |
| Net loans and leases to deposits | 87.3441% | 1,497 |
| Net loans and leases to core deposits | 148.9754% | 210 |
| Total domestic deposits to total assets | 67.8300% | 4,347 |
| Equity capital to assets | 12.1342% | 1,086 |
| Core capital (leverage) ratio | 13.6853% | 869 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.4226% | 655 |
| Memoranda: | ||
| Average total assets | $154,628,200 | 3,318 |
| Average earning assets | $148,851,000 | 3,258 |
| Average equity | $23,693,800 | 2,586 |
| Average total loans | $110,102,400 | 3,059 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7245% | 762 |
| Cost of funding earning assets | 2.7561% | 175 |
| Net interest margin | 2.9684% | 3,404 |
| Noninterest income to average assets | 0.5800% | 1,600 |
| Noninterest expense to average assets | 4.1850% | 321 |
| Loan and lease loss provision to assets | 0.2700% | 361 |
| Net operating income to assets | -1.0221% | 4,571 |
| Return on assets (ROA) | -1.0221% | 4,564 |
| Pretax return on assets | -1.0221% | 4,555 |
| Return on Equity (ROE) | -6.2200% | 4,512 |
| Retained earnings to average equity (ytd only) | -6.2226% | 4,449 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 121.9037% | 74 |
| Assets per employee ($millions) | 6.6028% | 2,244 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1612% | 2,566 |
| 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 | 76.9700% | 1,001 |
| Net loans and leases to deposits | 104.8572% | 325 |
| Net loans and leases to core deposits | 181.9838% | 54 |
| Total domestic deposits to total assets | 73.4000% | 4,198 |
| Equity capital to assets | 14.1783% | 622 |
| Core capital (leverage) ratio | 16.3005% | 461 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $143,620,000 | 3,429 |
| Average earning assets | $138,209,500 | 3,372 |
| Average equity | $23,590,750 | 2,594 |
| Average total loans | $107,829,500 | 3,093 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7205% | 619 |
| Cost of funding earning assets | 2.6114% | 154 |
| Net interest margin | 3.1091% | 3,206 |
| Noninterest income to average assets | 0.4900% | 1,926 |
| Noninterest expense to average assets | 4.5359% | 268 |
| Loan and lease loss provision to assets | 0.2700% | 345 |
| Net operating income to assets | -1.3168% | 4,612 |
| Return on assets (ROA) | -1.3168% | 4,608 |
| Pretax return on assets | -1.3168% | 4,602 |
| Return on Equity (ROE) | -7.6200% | 4,566 |
| Retained earnings to average equity (ytd only) | -7.6194% | 4,481 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 130.1200% | 53 |
| Assets per employee ($millions) | 6.1900% | 2,551 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1654% | 2,624 |
| 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 | 79.0400% | 735 |
| Net loans and leases to deposits | 97.3891% | 651 |
| Net loans and leases to core deposits | 169.0222% | 83 |
| Total domestic deposits to total assets | 81.1600% | 3,400 |
| Equity capital to assets | 16.3622% | 414 |
| Core capital (leverage) ratio | 17.5784% | 368 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.9563% | 556 |
| Memoranda: | ||
| Average total assets | $138,670,667 | 3,489 |
| Average earning assets | $133,415,667 | 3,434 |
| Average equity | $23,965,000 | 2,573 |
| Average total loans | $102,638,000 | 3,146 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5105% | 614 |
| Cost of funding earning assets | 2.2565% | 171 |
| Net interest margin | 3.2540% | 2,982 |
| Noninterest income to average assets | 0.7200% | 1,034 |
| Noninterest expense to average assets | 4.3239% | 302 |
| Loan and lease loss provision to assets | 0.2300% | 425 |
| Net operating income to assets | -0.7075% | 4,605 |
| Return on assets (ROA) | -0.7075% | 4,596 |
| Pretax return on assets | -0.7075% | 4,581 |
| Return on Equity (ROE) | -3.9800% | 4,542 |
| Retained earnings to average equity (ytd only) | -3.9835% | 4,290 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 112.3860% | 93 |
| Assets per employee ($millions) | 7.2632% | 1,773 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2092% | 2,504 |
| 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 | 72.2800% | 1,396 |
| Net loans and leases to deposits | 88.2073% | 1,187 |
| Net loans and leases to core deposits | 149.9001% | 125 |
| Total domestic deposits to total assets | 81.9500% | 3,491 |
| Equity capital to assets | 17.6673% | 317 |
| Core capital (leverage) ratio | 18.3178% | 329 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.4549% | 475 |
| Memoranda: | ||
| Average total assets | $136,820,500 | 3,547 |
| Average earning assets | $131,531,500 | 3,493 |
| Average equity | $24,300,000 | 2,579 |
| Average total loans | $97,026,000 | 3,242 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0154% | 1,674 |
| Cost of funding earning assets | 0.9583% | 198 |
| Net interest margin | 3.0572% | 3,296 |
| Noninterest income to average assets | 1.9700% | 248 |
| Noninterest expense to average assets | 4.1332% | 302 |
| Loan and lease loss provision to assets | 0.3200% | 245 |
| Net operating income to assets | 1.2458% | 1,615 |
| Return on assets (ROA) | 1.2458% | 1,566 |
| Pretax return on assets | 0.4440% | 4,234 |
| Return on Equity (ROE) | 6.5800% | 3,714 |
| Retained earnings to average equity (ytd only) | 6.5846% | 2,414 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 84.4688% | 470 |
| Assets per employee ($millions) | 7.9788% | 1,329 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2269% | 2,261 |
| 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 | 67.7800% | 1,852 |
| Net loans and leases to deposits | 82.8681% | 1,551 |
| Net loans and leases to core deposits | 117.9479% | 405 |
| Total domestic deposits to total assets | 81.7900% | 3,652 |
| Equity capital to assets | 17.8554% | 300 |
| Core capital (leverage) ratio | 19.1903% | 291 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.0356% | 368 |
| Memoranda: | ||
| Average total assets | $126,583,600 | 3,670 |
| Average earning assets | $121,157,600 | 3,608 |
| Average equity | $23,949,800 | 2,641 |
| Average total loans | $73,565,000 | 3,511 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5970% | 2,357 |
| Cost of funding earning assets | 0.6611% | 314 |
| Net interest margin | 2.9359% | 3,397 |
| Noninterest income to average assets | 2.2100% | 239 |
| Noninterest expense to average assets | 4.0550% | 317 |
| Loan and lease loss provision to assets | 0.3500% | 176 |
| Net operating income to assets | 0.4901% | 4,098 |
| Return on assets (ROA) | 0.4901% | 4,046 |
| Pretax return on assets | 0.6135% | 3,962 |
| Return on Equity (ROE) | 2.5500% | 4,353 |
| Retained earnings to average equity (ytd only) | 2.5513% | 3,906 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 80.7733% | 726 |
| Assets per employee ($millions) | 6.6169% | 2,228 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2417% | 2,311 |
| 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 | 71.4500% | 1,346 |
| Net loans and leases to deposits | 88.6215% | 989 |
| Net loans and leases to core deposits | 108.1440% | 529 |
| Total domestic deposits to total assets | 80.6300% | 4,038 |
| Equity capital to assets | 19.2024% | 237 |
| Core capital (leverage) ratio | 18.4570% | 297 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.8971% | 316 |
| Memoranda: | ||
| Average total assets | $124,319,500 | 3,719 |
| Average earning assets | $118,985,000 | 3,662 |
| Average equity | $23,882,500 | 2,695 |
| Average total loans | $68,686,250 | 3,611 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0477% | 3,435 |
| Cost of funding earning assets | 0.4773% | 595 |
| Net interest margin | 2.5704% | 3,957 |
| Noninterest income to average assets | 2.5179% | 185 |
| Noninterest expense to average assets | 3.9093% | 301 |
| Loan and lease loss provision to assets | 0.1190% | 840 |
| Net operating income to assets | 0.9155% | 2,517 |
| Return on assets (ROA) | 0.9155% | 2,484 |
| Pretax return on assets | 0.9504% | 2,895 |
| Return on Equity (ROE) | 4.7647% | 3,862 |
| Retained earnings to average equity (ytd only) | 4.7647% | 2,795 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5214% | 1,052 |
| Assets per employee ($millions) | 6.9564% | 1,968 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1959% | 2,697 |
| 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 | 53.9073% | 2,970 |
| Net loans and leases to deposits | 66.6772% | 2,494 |
| Net loans and leases to core deposits | 73.2843% | 2,222 |
| Total domestic deposits to total assets | 80.8481% | 4,152 |
| Equity capital to assets | 19.0281% | 195 |
| Core capital (leverage) ratio | 17.8484% | 282 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.0385% | 177 |
| Memoranda: | ||
| Average total assets | $126,057,667 | 3,742 |
| Average earning assets | $120,679,333 | 3,693 |
| Average equity | $24,219,667 | 2,728 |
| Average total loans | $62,856,667 | 3,743 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8158% | 3,720 |
| Cost of funding earning assets | 0.4302% | 724 |
| Net interest margin | 2.3857% | 4,099 |
| Noninterest income to average assets | 2.2454% | 203 |
| Noninterest expense to average assets | 3.6939% | 348 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.8318% | 2,550 |
| Return on assets (ROA) | 0.8318% | 2,545 |
| Pretax return on assets | 0.8318% | 3,008 |
| Return on Equity (ROE) | 4.3086% | 3,801 |
| Retained earnings to average equity (ytd only) | 4.3086% | 2,837 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.6212% | 1,018 |
| Assets per employee ($millions) | 8.1985% | 1,257 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2429% | 2,637 |
| Loan loss allowance to noncurrent loans | 3,533.3333% | 350 |
| Noncurrent assets plus other real estate owned to assets | 0.0151% | 3,909 |
| Noncurrent loans to loans | 0.0352% | 3,734 |
| Net loans and leases to total assets | 42.3027% | 3,863 |
| Net loans and leases to deposits | 51.3455% | 3,621 |
| Net loans and leases to core deposits | 56.0415% | 3,444 |
| Total domestic deposits to total assets | 82.3884% | 4,030 |
| Equity capital to assets | 17.5018% | 250 |
| Core capital (leverage) ratio | 19.4618% | 191 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 40.5508% | 112 |
| Memoranda: | ||
| Average total assets | $126,479,000 | 3,749 |
| Average earning assets | $120,888,000 | 3,703 |
| Average equity | $24,416,500 | 2,809 |
| Average total loans | $60,126,500 | 3,793 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4051% | 144 |
| Cost of funding earning assets | 0.5247% | 815 |
| Net interest margin | 4.8805% | 158 |
| Noninterest income to average assets | 2.6708% | 214 |
| Noninterest expense to average assets | 5.1533% | 170 |
| Loan and lease loss provision to assets | 0.2488% | 376 |
| Net operating income to assets | 1.9719% | 355 |
| Return on assets (ROA) | 1.9838% | 370 |
| Pretax return on assets | 1.9838% | 620 |
| Return on Equity (ROE) | 8.6873% | 3,017 |
| Retained earnings to average equity (ytd only) | 8.6873% | 1,285 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8844% | 1,746 |
| Assets per employee ($millions) | 7.5723% | 1,570 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2254% | 2,759 |
| Loan loss allowance to noncurrent loans | 191.7313% | 2,661 |
| Noncurrent assets plus other real estate owned to assets | 0.3407% | 1,865 |
| Noncurrent loans to loans | 0.6391% | 1,558 |
| Net loans and leases to total assets | 52.6571% | 2,989 |
| Net loans and leases to deposits | 67.3309% | 2,374 |
| Net loans and leases to core deposits | 75.5081% | 1,952 |
| Total domestic deposits to total assets | 78.2064% | 4,377 |
| Equity capital to assets | 21.5171% | 135 |
| Core capital (leverage) ratio | 21.2763% | 142 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 37.7967% | 137 |
| Memoranda: | ||
| Average total assets | $100,867,000 | 3,979 |
| Average earning assets | $97,203,800 | 3,937 |
| Average equity | $23,033,600 | 2,979 |
| Average total loans | $64,795,000 | 3,749 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7585% | 112 |
| Cost of funding earning assets | 0.5607% | 788 |
| Net interest margin | 5.1978% | 122 |
| Noninterest income to average assets | 2.2684% | 277 |
| Noninterest expense to average assets | 5.1810% | 166 |
| Loan and lease loss provision to assets | 0.3429% | 213 |
| Net operating income to assets | 1.7675% | 717 |
| Return on assets (ROA) | 1.7839% | 723 |
| Pretax return on assets | 1.7839% | 1,197 |
| Return on Equity (ROE) | 7.6828% | 3,482 |
| Retained earnings to average equity (ytd only) | 7.6828% | 2,153 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0595% | 1,487 |
| Assets per employee ($millions) | 6.9594% | 1,900 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0368% | 3,719 |
| 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 | 63.6075% | 1,824 |
| Net loans and leases to deposits | 80.8860% | 1,201 |
| Net loans and leases to core deposits | 91.0607% | 975 |
| Total domestic deposits to total assets | 78.6385% | 4,364 |
| Equity capital to assets | 21.2887% | 149 |
| Core capital (leverage) ratio | 20.9977% | 152 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.7484% | 261 |
| Memoranda: | ||
| Average total assets | $97,687,750 | 4,057 |
| Average earning assets | $94,396,500 | 4,018 |
| Average equity | $22,682,000 | 3,042 |
| Average total loans | $65,855,750 | 3,782 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4196% | 190 |
| Cost of funding earning assets | 0.5906% | 778 |
| Net interest margin | 4.8290% | 213 |
| Noninterest income to average assets | 1.3035% | 682 |
| Noninterest expense to average assets | 5.1754% | 165 |
| Loan and lease loss provision to assets | 0.5154% | 101 |
| Net operating income to assets | 0.3006% | 4,524 |
| Return on assets (ROA) | 0.3006% | 4,546 |
| Pretax return on assets | 0.3006% | 4,588 |
| Return on Equity (ROE) | 1.2533% | 4,676 |
| Retained earnings to average equity (ytd only) | 1.2533% | 4,291 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.3799% | 458 |
| Assets per employee ($millions) | 6.7921% | 1,948 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9379% | 4,034 |
| 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 | 71.0443% | 1,076 |
| Net loans and leases to deposits | 89.8622% | 661 |
| Net loans and leases to core deposits | 97.4356% | 744 |
| Total domestic deposits to total assets | 79.0592% | 4,337 |
| Equity capital to assets | 20.6887% | 163 |
| Core capital (leverage) ratio | 21.4387% | 139 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.7706% | 313 |
| Memoranda: | ||
| Average total assets | $93,133,667 | 4,138 |
| Average earning assets | $90,412,667 | 4,081 |
| Average equity | $22,341,000 | 3,063 |
| Average total loans | $63,951,333 | 3,832 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6256% | 167 |
| Cost of funding earning assets | 0.6079% | 848 |
| Net interest margin | 5.0177% | 182 |
| Noninterest income to average assets | 1.5557% | 572 |
| Noninterest expense to average assets | 5.6605% | 136 |
| Loan and lease loss provision to assets | 0.4311% | 166 |
| Net operating income to assets | 0.3374% | 4,467 |
| Return on assets (ROA) | 0.3374% | 4,502 |
| Pretax return on assets | 0.3374% | 4,557 |
| Return on Equity (ROE) | 1.2932% | 4,680 |
| Retained earnings to average equity (ytd only) | 1.2932% | 4,157 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.0466% | 441 |
| Assets per employee ($millions) | 5.5299% | 3,082 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8362% | 4,331 |
| 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 | 65.8031% | 1,820 |
| Net loans and leases to deposits | 83.7508% | 1,176 |
| Net loans and leases to core deposits | 92.1631% | 1,105 |
| Total domestic deposits to total assets | 78.5701% | 4,374 |
| Equity capital to assets | 21.2624% | 144 |
| Core capital (leverage) ratio | 23.8123% | 114 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.8185% | 299 |
| Memoranda: | ||
| Average total assets | $85,364,000 | 4,239 |
| Average earning assets | $82,906,000 | 4,180 |
| Average equity | $22,270,000 | 3,060 |
| Average total loans | $56,958,500 | 3,970 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3200% | 1,806 |
| Cost of funding earning assets | 0.4593% | 3,222 |
| Net interest margin | 3.8607% | 1,329 |
| Noninterest income to average assets | 0.7368% | 1,730 |
| Noninterest expense to average assets | 9.3606% | 79 |
| Loan and lease loss provision to assets | 0.9790% | 101 |
| Net operating income to assets | -5.8943% | 4,995 |
| Return on assets (ROA) | -5.8471% | 4,995 |
| Pretax return on assets | -5.8471% | 4,994 |
| Return on Equity (ROE) | -12.3837% | 4,959 |
| Retained earnings to average equity (ytd only) | -12.3837% | 4,930 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 210.5725% | 18 |
| Assets per employee ($millions) | 3.4558% | 4,673 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1110% | 3,411 |
| 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 | 66.5626% | 2,010 |
| Net loans and leases to deposits | 101.0240% | 334 |
| Net loans and leases to core deposits | 119.0061% | 321 |
| Total domestic deposits to total assets | 65.8879% | 4,847 |
| Equity capital to assets | 33.8105% | 51 |
| Core capital (leverage) ratio | 34.6899% | 49 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 47.0298% | 89 |
| Memoranda: | ||
| Average total assets | $48,725,400 | 4,672 |
| Average earning assets | $46,805,400 | 4,638 |
| Average equity | $23,006,000 | 2,939 |
| Average total loans | $29,377,400 | 4,530 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9273% | 3,171 |
| Cost of funding earning assets | 0.4137% | 3,738 |
| Net interest margin | 3.5135% | 2,550 |
| Noninterest income to average assets | 0.5424% | 2,414 |
| Noninterest expense to average assets | 10.3268% | 72 |
| Loan and lease loss provision to assets | 1.1418% | 100 |
| Net operating income to assets | -7.5668% | 5,025 |
| Return on assets (ROA) | -7.5008% | 5,025 |
| Pretax return on assets | -7.5008% | 5,025 |
| Return on Equity (ROE) | -14.3800% | 4,991 |
| Retained earnings to average equity (ytd only) | -14.3800% | 4,967 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 264.6697% | 14 |
| Assets per employee ($millions) | 3.7368% | 4,528 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8434% | 4,246 |
| 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 | 69.0439% | 2,103 |
| Net loans and leases to deposits | 104.0298% | 385 |
| Net loans and leases to core deposits | 121.8125% | 375 |
| Total domestic deposits to total assets | 66.3693% | 4,842 |
| Equity capital to assets | 33.2248% | 53 |
| Core capital (leverage) ratio | 39.0425% | 42 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 41.1300% | 133 |
| Memoranda: | ||
| Average total assets | $44,491,750 | 4,735 |
| Average earning assets | $42,539,250 | 4,713 |
| Average equity | $23,207,500 | 2,923 |
| Average total loans | $25,672,750 | 4,632 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9975% | 829 |
| Cost of funding earning assets | 0.3549% | 4,248 |
| Net interest margin | 4.6426% | 384 |
| Noninterest income to average assets | 0.0163% | 4,978 |
| Noninterest expense to average assets | 12.1459% | 62 |
| Loan and lease loss provision to assets | 1.8861% | 58 |
| Net operating income to assets | -9.6202% | 5,059 |
| Return on assets (ROA) | -9.5010% | 5,059 |
| Pretax return on assets | -9.5010% | 5,060 |
| Return on Equity (ROE) | -14.9230% | 5,016 |
| Retained earnings to average equity (ytd only) | -14.9230% | 4,981 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 275.3071% | 10 |
| Assets per employee ($millions) | 3.4085% | 4,707 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8314% | 4,254 |
| 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 | 79.1771% | 698 |
| Net loans and leases to deposits | 137.5641% | 39 |
| Net loans and leases to core deposits | 146.4821% | 123 |
| Total domestic deposits to total assets | 57.5565% | 4,979 |
| Equity capital to assets | 42.0310% | 37 |
| Core capital (leverage) ratio | 47.2285% | 36 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 50.3166% | 84 |
| Memoranda: | ||
| Average total assets | $36,901,333 | 4,852 |
| Average earning assets | $34,937,333 | 4,832 |
| Average equity | $23,494,000 | 2,894 |
| Average total loans | $18,618,333 | 4,799 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1095% | 5,078 |
| Cost of funding earning assets | 0.2883% | 4,691 |
| Net interest margin | 1.8211% | 5,043 |
| Noninterest income to average assets | 0.0142% | 5,036 |
| Noninterest expense to average assets | 15.2400% | 51 |
| Loan and lease loss provision to assets | 2.5780% | 41 |
| Net operating income to assets | -16.0946% | 5,112 |
| Return on assets (ROA) | -16.0946% | 5,111 |
| Pretax return on assets | -16.0946% | 5,111 |
| Return on Equity (ROE) | -19.0076% | 5,054 |
| Retained earnings to average equity (ytd only) | -19.0076% | 4,953 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 884.2975% | 5 |
| Assets per employee ($millions) | 1.9056% | 5,032 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7147% | 854 |
| 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 | 36.6591% | 4,757 |
| Net loans and leases to deposits | 159.1032% | 8 |
| Net loans and leases to core deposits | 204.2954% | 38 |
| Total domestic deposits to total assets | 23.0411% | 5,086 |
| Equity capital to assets | 76.4702% | 29 |
| Core capital (leverage) ratio | 79.2357% | 27 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 177.0653% | 21 |
| Memoranda: | ||
| Average total assets | $28,084,000 | 4,991 |
| Average earning assets | $26,357,500 | 4,976 |
| Average equity | $23,780,000 | 2,868 |
| Average total loans | $6,156,500 | 5,053 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.4039% | 5,173 |
| Cost of funding earning assets | 0.0042% | 5,163 |
| Net interest margin | 0.3998% | 5,170 |
| Noninterest income to average assets | -0.0078% | 5,142 |
| Noninterest expense to average assets | 6.9746% | 109 |
| Loan and lease loss provision to assets | 0.0545% | 2,942 |
| Net operating income to assets | -6.6630% | 5,173 |
| Return on assets (ROA) | -6.6630% | 5,173 |
| Pretax return on assets | -6.6630% | 5,173 |
| Return on Equity (ROE) | -7.0571% | 5,100 |
| Retained earnings to average equity (ytd only) | -7.0571% | 5,030 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 1,905.3191% | 3 |
| Assets per employee ($millions) | 1.7119% | 5,105 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4878% | 1,265 |
| 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 | 3.6100% | 5,138 |
| Net loans and leases to deposits | 74.7581% | 3,284 |
| Net loans and leases to core deposits | 74.7581% | 3,660 |
| Total domestic deposits to total assets | 4.8288% | 5,163 |
| Equity capital to assets | 94.4157% | 9 |
| Core capital (leverage) ratio | 220.4492% | 1 |
| Tier 1 risk-based capital ratio | 1,064.7782% | 3 |
| Total risk-based capital ratio | 1,065.3931% | 3 |
| Memoranda: | ||
| Average total assets | $25,679,000 | 5,068 |
| Average earning assets | $24,015,000 | 5,054 |
| Average equity | $24,245,000 | 2,772 |
| Average total loans | $941,000 | 5,145 |