Home > Moultrie Bank & Trust > Performance and Condition Ratios
Moultrie Bank & Trust, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6969% | 3,616 |
| Cost of funding earning assets | 1.5284% | 3,138 |
| Net interest margin | 3.1684% | 3,081 |
| Noninterest income to average assets | 0.1400% | 3,907 |
| Noninterest expense to average assets | 2.6439% | 1,911 |
| Loan and lease loss provision to assets | 0.2200% | 520 |
| Net operating income to assets | 0.2326% | 3,939 |
| Return on assets (ROA) | 0.2326% | 3,972 |
| Pretax return on assets | 0.2326% | 4,008 |
| Return on Equity (ROE) | 1.5700% | 4,037 |
| Retained earnings to average equity (ytd only) | 1.5702% | 3,398 |
| Net charge-offs to loans | 0.0000% | 2,326 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 85.2912% | 676 |
| Assets per employee ($millions) | 9.3651% | 978 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1700% | 2,351 |
| Loan loss allowance to noncurrent loans | 2,625.0000% | 324 |
| Noncurrent assets plus other real estate owned to assets | 0.0092% | 3,704 |
| Noncurrent loans to loans | 0.0446% | 3,458 |
| Net loans and leases to total assets | 20.2900% | 4,294 |
| Net loans and leases to deposits | 23.8793% | 4,307 |
| Net loans and leases to core deposits | 27.6991% | 4,276 |
| Total domestic deposits to total assets | 84.9900% | 2,625 |
| Equity capital to assets | 14.8423% | 585 |
| Core capital (leverage) ratio | 16.4567% | 444 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $130,718,000 | 3,540 |
| Average earning assets | $121,954,000 | 3,527 |
| Average equity | $19,361,000 | 3,049 |
| Average total loans | $23,725,000 | 4,164 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 2 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3787% | 2,373 |
| Cost of funding earning assets | 1.9288% | 2,389 |
| Net interest margin | 3.4499% | 2,169 |
| Noninterest income to average assets | 0.1400% | 4,039 |
| Noninterest expense to average assets | 3.5599% | 555 |
| Loan and lease loss provision to assets | 0.0400% | 2,355 |
| Net operating income to assets | -0.3596% | 4,319 |
| Return on assets (ROA) | -0.3596% | 4,344 |
| Pretax return on assets | -0.3596% | 4,334 |
| Return on Equity (ROE) | -1.9100% | 4,276 |
| Retained earnings to average equity (ytd only) | -1.9102% | 4,158 |
| Net charge-offs to loans | 0.0000% | 3,099 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 109.7546% | 176 |
| Assets per employee ($millions) | 9.3089% | 955 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1789% | 2,274 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 15.5700% | 4,337 |
| Net loans and leases to deposits | 18.3071% | 4,346 |
| Net loans and leases to core deposits | 20.8528% | 4,325 |
| Total domestic deposits to total assets | 85.0200% | 2,533 |
| Equity capital to assets | 14.7801% | 574 |
| Core capital (leverage) ratio | 17.3078% | 368 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $101,771,600 | 3,763 |
| Average earning assets | $91,508,600 | 3,769 |
| Average equity | $19,159,800 | 3,028 |
| Average total loans | $17,827,400 | 4,244 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6083% | 1,885 |
| Cost of funding earning assets | 2.0192% | 2,162 |
| Net interest margin | 3.5891% | 1,854 |
| Noninterest income to average assets | 0.1500% | 4,001 |
| Noninterest expense to average assets | 3.8815% | 397 |
| Loan and lease loss provision to assets | 0.0300% | 2,381 |
| Net operating income to assets | -0.5819% | 4,397 |
| Return on assets (ROA) | -0.5819% | 4,423 |
| Pretax return on assets | -0.5819% | 4,408 |
| Return on Equity (ROE) | -2.8800% | 4,347 |
| Retained earnings to average equity (ytd only) | -2.8778% | 4,252 |
| Net charge-offs to loans | 0.0000% | 2,849 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 116.5398% | 147 |
| Assets per employee ($millions) | 6.7698% | 2,296 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2005% | 2,212 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,861 |
| Noncurrent loans to loans | 0.0000% | 3,830 |
| Net loans and leases to total assets | 17.8300% | 4,361 |
| Net loans and leases to deposits | 22.0555% | 4,368 |
| Net loans and leases to core deposits | 27.0219% | 4,335 |
| Total domestic deposits to total assets | 80.8400% | 3,338 |
| Equity capital to assets | 18.9282% | 305 |
| Core capital (leverage) ratio | 18.6454% | 307 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $94,633,500 | 3,833 |
| Average earning assets | $83,992,250 | 3,857 |
| Average equity | $19,134,250 | 3,028 |
| Average total loans | $17,152,500 | 4,274 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 2 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3692% | 2,204 |
| Cost of funding earning assets | 1.9697% | 2,198 |
| Net interest margin | 3.3995% | 2,178 |
| Noninterest income to average assets | 0.1300% | 4,102 |
| Noninterest expense to average assets | 4.0637% | 354 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | -1.0094% | 4,453 |
| Return on assets (ROA) | -1.0094% | 4,482 |
| Pretax return on assets | -1.0094% | 4,476 |
| Return on Equity (ROE) | -4.8800% | 4,408 |
| Retained earnings to average equity (ytd only) | -4.8782% | 4,306 |
| Net charge-offs to loans | 0.0000% | 2,619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 130.3683% | 107 |
| Assets per employee ($millions) | 6.8323% | 2,184 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2035% | 2,226 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,854 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 18.1800% | 4,375 |
| Net loans and leases to deposits | 22.3762% | 4,382 |
| Net loans and leases to core deposits | 28.1408% | 4,342 |
| Total domestic deposits to total assets | 81.2600% | 3,233 |
| Equity capital to assets | 18.5422% | 323 |
| Core capital (leverage) ratio | 20.1780% | 255 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $92,329,000 | 3,871 |
| Average earning assets | $81,130,000 | 3,899 |
| Average equity | $19,105,333 | 3,009 |
| Average total loans | $16,761,333 | 4,296 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2791% | 2,234 |
| Cost of funding earning assets | 1.8982% | 2,250 |
| Net interest margin | 3.3809% | 2,158 |
| Noninterest income to average assets | 0.1100% | 4,170 |
| Noninterest expense to average assets | 3.6263% | 489 |
| Loan and lease loss provision to assets | -0.1000% | 4,444 |
| Net operating income to assets | -0.3988% | 4,441 |
| Return on assets (ROA) | -0.3988% | 4,427 |
| Pretax return on assets | -0.3988% | 4,405 |
| Return on Equity (ROE) | -1.8200% | 4,336 |
| Retained earnings to average equity (ytd only) | -1.8166% | 3,911 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 115.8126% | 136 |
| Assets per employee ($millions) | 6.0729% | 2,781 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1433% | 2,578 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,894 |
| Noncurrent loans to loans | 0.0000% | 3,844 |
| Net loans and leases to total assets | 16.8000% | 4,403 |
| Net loans and leases to deposits | 21.3198% | 4,400 |
| Net loans and leases to core deposits | 27.7352% | 4,407 |
| Total domestic deposits to total assets | 78.8000% | 3,700 |
| Equity capital to assets | 20.9939% | 254 |
| Core capital (leverage) ratio | 22.0923% | 196 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $87,251,000 | 3,945 |
| Average earning assets | $77,968,000 | 3,945 |
| Average equity | $19,156,500 | 3,017 |
| Average total loans | $15,711,500 | 4,330 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9135% | 2,247 |
| Cost of funding earning assets | 1.1760% | 2,866 |
| Net interest margin | 3.7375% | 1,679 |
| Noninterest income to average assets | 0.0700% | 4,379 |
| Noninterest expense to average assets | 3.7440% | 444 |
| Loan and lease loss provision to assets | 0.1000% | 1,286 |
| Net operating income to assets | -0.3324% | 4,491 |
| Return on assets (ROA) | -0.3324% | 4,476 |
| Pretax return on assets | -0.3324% | 4,464 |
| Return on Equity (ROE) | -1.2900% | 4,398 |
| Retained earnings to average equity (ytd only) | -1.2873% | 4,215 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 106.4950% | 131 |
| Assets per employee ($millions) | 5.5606% | 3,197 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2420% | 2,061 |
| 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 | 18.8800% | 4,411 |
| Net loans and leases to deposits | 24.6926% | 4,400 |
| Net loans and leases to core deposits | 29.6587% | 4,401 |
| Total domestic deposits to total assets | 76.4400% | 3,900 |
| Equity capital to assets | 23.0059% | 219 |
| Core capital (leverage) ratio | 25.8055% | 155 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $74,012,200 | 4,079 |
| Average earning assets | $68,281,200 | 4,052 |
| Average equity | $19,110,200 | 2,931 |
| Average total loans | $13,471,200 | 4,372 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9649% | 1,902 |
| Cost of funding earning assets | 1.0513% | 2,885 |
| Net interest margin | 3.9135% | 1,370 |
| Noninterest income to average assets | 0.0700% | 4,402 |
| Noninterest expense to average assets | 3.8289% | 408 |
| Loan and lease loss provision to assets | 0.1100% | 1,081 |
| Net operating income to assets | -0.2307% | 4,503 |
| Return on assets (ROA) | -0.2307% | 4,488 |
| Pretax return on assets | -0.2307% | 4,480 |
| Return on Equity (ROE) | -0.8700% | 4,423 |
| Retained earnings to average equity (ytd only) | -0.8660% | 4,242 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 103.2614% | 143 |
| Assets per employee ($millions) | 5.3095% | 3,343 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1308% | 2,727 |
| 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 | 21.1700% | 4,425 |
| Net loans and leases to deposits | 28.5300% | 4,396 |
| Net loans and leases to core deposits | 33.5959% | 4,355 |
| Total domestic deposits to total assets | 74.2100% | 4,149 |
| Equity capital to assets | 25.5876% | 189 |
| Core capital (leverage) ratio | 23.2070% | 189 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $71,663,000 | 4,115 |
| Average earning assets | $66,706,750 | 4,092 |
| Average equity | $19,090,500 | 2,929 |
| Average total loans | $12,853,500 | 4,400 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5081% | 2,627 |
| Cost of funding earning assets | 0.7724% | 3,291 |
| Net interest margin | 3.7357% | 1,744 |
| Noninterest income to average assets | 0.0600% | 4,461 |
| Noninterest expense to average assets | 3.8913% | 368 |
| Loan and lease loss provision to assets | 0.1200% | 954 |
| Net operating income to assets | -0.4324% | 4,560 |
| Return on assets (ROA) | -0.4324% | 4,553 |
| Pretax return on assets | -0.4324% | 4,543 |
| Return on Equity (ROE) | -1.6000% | 4,490 |
| Retained earnings to average equity (ytd only) | -1.6009% | 4,264 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 108.8538% | 104 |
| Assets per employee ($millions) | 6.6746% | 2,147 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2325% | 2,271 |
| 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 | 14.9600% | 4,487 |
| Net loans and leases to deposits | 19.1795% | 4,478 |
| Net loans and leases to core deposits | 21.3752% | 4,466 |
| Total domestic deposits to total assets | 78.0100% | 3,846 |
| Equity capital to assets | 21.8843% | 230 |
| Core capital (leverage) ratio | 25.8787% | 149 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $70,773,000 | 4,139 |
| Average earning assets | $66,547,333 | 4,111 |
| Average equity | $19,114,000 | 2,935 |
| Average total loans | $11,832,000 | 4,439 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5521% | 2,185 |
| Cost of funding earning assets | 0.4960% | 3,700 |
| Net interest margin | 4.0562% | 1,167 |
| Noninterest income to average assets | 0.0400% | 4,561 |
| Noninterest expense to average assets | 3.5492% | 509 |
| Loan and lease loss provision to assets | 0.1700% | 639 |
| Net operating income to assets | 0.1338% | 4,412 |
| Return on assets (ROA) | 0.1338% | 4,386 |
| Pretax return on assets | 0.1338% | 4,387 |
| Return on Equity (ROE) | 0.4400% | 4,421 |
| Retained earnings to average equity (ytd only) | 0.4380% | 3,954 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 92.2185% | 300 |
| Assets per employee ($millions) | 5.2159% | 3,491 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2080% | 2,509 |
| 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 | 17.7300% | 4,537 |
| Net loans and leases to deposits | 24.7810% | 4,505 |
| Net loans and leases to core deposits | 26.7977% | 4,491 |
| Total domestic deposits to total assets | 71.5500% | 4,373 |
| Equity capital to assets | 28.3289% | 128 |
| Core capital (leverage) ratio | 30.8572% | 122 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $62,774,500 | 4,282 |
| Average earning assets | $58,873,500 | 4,250 |
| Average equity | $19,176,500 | 2,958 |
| Average total loans | $11,176,000 | 4,517 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0656% | 4,598 |
| Cost of funding earning assets | 0.1366% | 4,195 |
| Net interest margin | 1.9290% | 4,570 |
| Noninterest income to average assets | 0.0300% | 4,621 |
| Noninterest expense to average assets | 6.8212% | 151 |
| Loan and lease loss provision to assets | 0.2700% | 333 |
| Net operating income to assets | -5.2777% | 4,708 |
| Return on assets (ROA) | -5.2777% | 4,708 |
| Pretax return on assets | -5.2777% | 4,708 |
| Return on Equity (ROE) | -11.9500% | 4,669 |
| Retained earnings to average equity (ytd only) | -11.9543% | 4,651 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 375.3425% | 16 |
| Assets per employee ($millions) | 4.8118% | 3,807 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1883% | 2,447 |
| 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 | 17.4300% | 4,563 |
| Net loans and leases to deposits | 26.0883% | 4,524 |
| Net loans and leases to core deposits | 26.8306% | 4,515 |
| Total domestic deposits to total assets | 66.8000% | 4,522 |
| Equity capital to assets | 33.1544% | 113 |
| Core capital (leverage) ratio | 37.9676% | 106 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $44,186,000 | 4,492 |
| Average earning assets | $41,005,333 | 4,470 |
| Average equity | $19,507,667 | 2,995 |
| Average total loans | $6,663,667 | 4,605 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3417% | 4,673 |
| Cost of funding earning assets | 0.0997% | 4,286 |
| Net interest margin | 1.2420% | 4,673 |
| Noninterest income to average assets | 0.0200% | 4,670 |
| Noninterest expense to average assets | 8.5220% | 129 |
| Loan and lease loss provision to assets | 0.2600% | 302 |
| Net operating income to assets | -7.6025% | 4,756 |
| Return on assets (ROA) | -7.6025% | 4,755 |
| Pretax return on assets | -7.6025% | 4,755 |
| Return on Equity (ROE) | -14.4400% | 4,719 |
| Retained earnings to average equity (ytd only) | -14.4439% | 4,711 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 724.5455% | 8 |
| Assets per employee ($millions) | 4.1057% | 4,271 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0201% | 3,382 |
| 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 | 14.1800% | 4,625 |
| Net loans and leases to deposits | 23.3419% | 4,588 |
| Net loans and leases to core deposits | 24.2023% | 4,578 |
| Total domestic deposits to total assets | 60.7500% | 4,619 |
| Equity capital to assets | 39.2324% | 95 |
| Core capital (leverage) ratio | 48.4807% | 88 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $37,408,000 | 4,587 |
| Average earning assets | $34,781,500 | 4,563 |
| Average equity | $19,689,500 | 3,019 |
| Average total loans | $4,904,000 | 4,659 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.5194% | 4,759 |
| Cost of funding earning assets | 0.1645% | 3,384 |
| Net interest margin | 0.3549% | 4,761 |
| Noninterest income to average assets | 0.0157% | 4,708 |
| Noninterest expense to average assets | 14.0520% | 53 |
| Loan and lease loss provision to assets | 0.2897% | 229 |
| Net operating income to assets | -14.0050% | 4,767 |
| Return on assets (ROA) | -14.0050% | 4,767 |
| Pretax return on assets | -14.0050% | 4,767 |
| Return on Equity (ROE) | -17.8454% | 4,745 |
| Retained earnings to average equity (ytd only) | -17.8454% | 4,717 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 4,174.4186% | 4 |
| Assets per employee ($millions) | 1.9652% | 4,697 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3455% | 1,979 |
| 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 | 10.6192% | 4,706 |
| Net loans and leases to deposits | 49.4261% | 3,840 |
| Net loans and leases to core deposits | 49.4261% | 3,960 |
| Total domestic deposits to total assets | 21.4850% | 4,745 |
| Equity capital to assets | 78.4797% | 27 |
| Core capital (leverage) ratio | 86.3145% | 23 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $25,548,000 | 4,713 |
| Average earning assets | $23,103,000 | 4,701 |
| Average equity | $20,050,000 | 3,068 |
| Average total loans | $2,750,000 | 4,732 |