Home > Nelnet Bank > Performance and Condition Ratios
Nelnet 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 | 5.8892% | 734 |
| Cost of funding earning assets | 3.4802% | 77 |
| Net interest margin | 2.4090% | 4,179 |
| Noninterest income to average assets | -0.0100% | 4,579 |
| Noninterest expense to average assets | 1.5088% | 4,322 |
| Loan and lease loss provision to assets | 0.8500% | 84 |
| Net operating income to assets | 0.0001% | 4,328 |
| Return on assets (ROA) | 0.0941% | 4,283 |
| Pretax return on assets | 0.1154% | 4,265 |
| Return on Equity (ROE) | 0.7200% | 4,285 |
| Retained earnings to average equity (ytd only) | 0.7237% | 3,893 |
| Net charge-offs to loans | 0.5065% | 200 |
| Credit loss provision to net charge-offs | 371.4412% | 822 |
| Earnings coverage of net charge-offs (x) | 3.7502% | 2,628 |
| Efficiency ratio | 61.7374% | 2,871 |
| Assets per employee ($millions) | 19.0625% | 112 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9837% | 383 |
| Loan loss allowance to noncurrent loans | 693.0677% | 1,154 |
| Noncurrent assets plus other real estate owned to assets | 0.1266% | 2,695 |
| Noncurrent loans to loans | 0.2862% | 2,154 |
| Net loans and leases to total assets | 43.3600% | 3,924 |
| Net loans and leases to deposits | 50.7073% | 3,926 |
| Net loans and leases to core deposits | 66.7313% | 3,460 |
| Total domestic deposits to total assets | 85.5000% | 2,163 |
| Equity capital to assets | 13.6803% | 736 |
| Core capital (leverage) ratio | 12.5446% | 1,199 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $1,001,047,000 | 987 |
| Average earning assets | $983,334,600 | 924 |
| Average equity | $130,167,400 | 761 |
| Average total loans | $446,593,400 | 1,353 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5619% | 947 |
| Cost of funding earning assets | 3.3221% | 81 |
| Net interest margin | 2.2398% | 4,332 |
| Noninterest income to average assets | -0.0400% | 4,613 |
| Noninterest expense to average assets | 1.4872% | 4,323 |
| Loan and lease loss provision to assets | 0.7800% | 95 |
| Net operating income to assets | -0.0806% | 4,467 |
| Return on assets (ROA) | 0.0949% | 4,342 |
| Pretax return on assets | 0.1188% | 4,330 |
| Return on Equity (ROE) | 0.7400% | 4,339 |
| Retained earnings to average equity (ytd only) | 0.7391% | 4,001 |
| Net charge-offs to loans | 0.3510% | 246 |
| Credit loss provision to net charge-offs | 482.9805% | 649 |
| Earnings coverage of net charge-offs (x) | 4.3014% | 2,403 |
| Efficiency ratio | 66.9883% | 2,147 |
| Assets per employee ($millions) | 20.9532% | 89 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4926% | 1,132 |
| Loan loss allowance to noncurrent loans | 489.3573% | 1,480 |
| Noncurrent assets plus other real estate owned to assets | 0.1328% | 2,675 |
| Noncurrent loans to loans | 0.3050% | 2,142 |
| Net loans and leases to total assets | 42.8900% | 3,958 |
| Net loans and leases to deposits | 49.3279% | 3,963 |
| Net loans and leases to core deposits | 62.8198% | 3,586 |
| Total domestic deposits to total assets | 86.9500% | 1,911 |
| Equity capital to assets | 12.5921% | 895 |
| Core capital (leverage) ratio | 12.6511% | 1,177 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $1,003,495,750 | 982 |
| Average earning assets | $985,845,500 | 920 |
| Average equity | $128,807,750 | 766 |
| Average total loans | $448,623,000 | 1,349 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4140% | 938 |
| Cost of funding earning assets | 3.1942% | 63 |
| Net interest margin | 2.2198% | 4,407 |
| Noninterest income to average assets | -0.0600% | 4,648 |
| Noninterest expense to average assets | 1.4354% | 4,383 |
| Loan and lease loss provision to assets | 0.8000% | 90 |
| Net operating income to assets | -0.0910% | 4,509 |
| Return on assets (ROA) | 0.0917% | 4,405 |
| Pretax return on assets | 0.1114% | 4,388 |
| Return on Equity (ROE) | 0.7100% | 4,390 |
| Retained earnings to average equity (ytd only) | 0.7095% | 3,957 |
| Net charge-offs to loans | 0.2818% | 298 |
| Credit loss provision to net charge-offs | 634.3548% | 554 |
| Earnings coverage of net charge-offs (x) | 5.4306% | 2,167 |
| Efficiency ratio | 67.1041% | 2,098 |
| Assets per employee ($millions) | 19.3278% | 102 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3050% | 1,913 |
| Loan loss allowance to noncurrent loans | 424.2052% | 1,742 |
| Noncurrent assets plus other real estate owned to assets | 0.1377% | 2,588 |
| Noncurrent loans to loans | 0.3076% | 2,040 |
| Net loans and leases to total assets | 44.1800% | 3,869 |
| Net loans and leases to deposits | 50.9513% | 3,881 |
| Net loans and leases to core deposits | 66.4668% | 3,331 |
| Total domestic deposits to total assets | 86.7000% | 2,024 |
| Equity capital to assets | 12.8311% | 853 |
| Core capital (leverage) ratio | 12.6720% | 1,120 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $974,806,000 | 999 |
| Average earning assets | $958,174,333 | 929 |
| Average equity | $126,010,667 | 774 |
| Average total loans | $440,029,667 | 1,348 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2000% | 953 |
| Cost of funding earning assets | 3.0582% | 28 |
| Net interest margin | 2.1418% | 4,516 |
| Noninterest income to average assets | -0.1100% | 4,664 |
| Noninterest expense to average assets | 1.2221% | 4,569 |
| Loan and lease loss provision to assets | 1.0100% | 66 |
| Net operating income to assets | -0.1777% | 4,544 |
| Return on assets (ROA) | -0.0246% | 4,488 |
| Pretax return on assets | -0.0392% | 4,479 |
| Return on Equity (ROE) | -0.1900% | 4,456 |
| Retained earnings to average equity (ytd only) | -0.1895% | 4,051 |
| Net charge-offs to loans | 0.1030% | 590 |
| Credit loss provision to net charge-offs | 2,170.5357% | 185 |
| Earnings coverage of net charge-offs (x) | 16.5893% | 1,514 |
| Efficiency ratio | 61.2109% | 2,788 |
| Assets per employee ($millions) | 21.2906% | 85 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0974% | 3,075 |
| Loan loss allowance to noncurrent loans | 621.2739% | 1,387 |
| Noncurrent assets plus other real estate owned to assets | 0.0784% | 3,009 |
| Noncurrent loans to loans | 0.1766% | 2,595 |
| Net loans and leases to total assets | 43.9300% | 3,872 |
| Net loans and leases to deposits | 50.5357% | 3,870 |
| Net loans and leases to core deposits | 65.9919% | 3,226 |
| Total domestic deposits to total assets | 86.9200% | 2,297 |
| Equity capital to assets | 12.5060% | 873 |
| Core capital (leverage) ratio | 12.5815% | 1,105 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $959,687,500 | 1,029 |
| Average earning assets | $943,701,000 | 961 |
| Average equity | $124,537,000 | 793 |
| Average total loans | $435,108,500 | 1,367 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4168% | 3,302 |
| Cost of funding earning assets | 1.4523% | 34 |
| Net interest margin | 1.9645% | 4,560 |
| Noninterest income to average assets | 0.0900% | 4,461 |
| Noninterest expense to average assets | 1.4700% | 4,453 |
| Loan and lease loss provision to assets | 0.2400% | 394 |
| Net operating income to assets | 0.2421% | 4,417 |
| Return on assets (ROA) | 0.4333% | 4,165 |
| Pretax return on assets | 0.5646% | 4,085 |
| Return on Equity (ROE) | 2.9400% | 4,299 |
| Retained earnings to average equity (ytd only) | 2.9424% | 3,738 |
| Net charge-offs to loans | 0.0813% | 844 |
| Credit loss provision to net charge-offs | 564.8562% | 631 |
| Earnings coverage of net charge-offs (x) | 13.8307% | 2,053 |
| Efficiency ratio | 71.0194% | 1,560 |
| Assets per employee ($millions) | 21.3655% | 85 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6008% | 4,335 |
| Loan loss allowance to noncurrent loans | 262.6283% | 2,349 |
| Noncurrent assets plus other real estate owned to assets | 0.1060% | 2,781 |
| Noncurrent loans to loans | 0.2288% | 2,355 |
| Net loans and leases to total assets | 46.0700% | 3,795 |
| Net loans and leases to deposits | 53.5981% | 3,698 |
| Net loans and leases to core deposits | 79.1347% | 2,188 |
| Total domestic deposits to total assets | 85.9500% | 2,741 |
| Equity capital to assets | 13.4897% | 631 |
| Core capital (leverage) ratio | 13.3268% | 858 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $771,930,800 | 1,215 |
| Average earning assets | $761,560,200 | 1,158 |
| Average equity | $113,681,600 | 855 |
| Average total loans | $384,942,200 | 1,439 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9061% | 4,050 |
| Cost of funding earning assets | 1.0641% | 46 |
| Net interest margin | 1.8420% | 4,597 |
| Noninterest income to average assets | 0.1200% | 4,379 |
| Noninterest expense to average assets | 1.5004% | 4,420 |
| Loan and lease loss provision to assets | 0.2700% | 282 |
| Net operating income to assets | 0.1308% | 4,526 |
| Return on assets (ROA) | 0.3473% | 4,275 |
| Pretax return on assets | 0.4514% | 4,207 |
| Return on Equity (ROE) | 2.3000% | 4,376 |
| Retained earnings to average equity (ytd only) | 2.2978% | 3,959 |
| Net charge-offs to loans | 0.0334% | 1,182 |
| Credit loss provision to net charge-offs | 1,488.2979% | 309 |
| Earnings coverage of net charge-offs (x) | 25.9574% | 1,593 |
| Efficiency ratio | 77.2261% | 978 |
| Assets per employee ($millions) | 21.5631% | 85 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5530% | 4,426 |
| Loan loss allowance to noncurrent loans | 231.0940% | 2,506 |
| Noncurrent assets plus other real estate owned to assets | 0.1179% | 2,791 |
| Noncurrent loans to loans | 0.2393% | 2,427 |
| Net loans and leases to total assets | 48.9800% | 3,534 |
| Net loans and leases to deposits | 57.6315% | 3,367 |
| Net loans and leases to core deposits | 93.4321% | 1,117 |
| Total domestic deposits to total assets | 84.9900% | 3,289 |
| Equity capital to assets | 14.4996% | 503 |
| Core capital (leverage) ratio | 14.7360% | 576 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $735,234,500 | 1,272 |
| Average earning assets | $726,080,250 | 1,199 |
| Average equity | $111,119,000 | 892 |
| Average total loans | $374,729,750 | 1,468 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4368% | 4,434 |
| Cost of funding earning assets | 0.7368% | 130 |
| Net interest margin | 1.7001% | 4,653 |
| Noninterest income to average assets | 0.1108% | 4,443 |
| Noninterest expense to average assets | 1.4472% | 4,475 |
| Loan and lease loss provision to assets | 0.2949% | 224 |
| Net operating income to assets | 0.0302% | 4,561 |
| Return on assets (ROA) | 0.3226% | 4,200 |
| Pretax return on assets | 0.4183% | 4,130 |
| Return on Equity (ROE) | 2.0981% | 4,343 |
| Retained earnings to average equity (ytd only) | 2.0981% | 3,722 |
| Net charge-offs to loans | 0.0530% | 863 |
| Credit loss provision to net charge-offs | 1,050.0000% | 386 |
| Earnings coverage of net charge-offs (x) | 12.5106% | 1,707 |
| Efficiency ratio | 80.8375% | 883 |
| Assets per employee ($millions) | 22.7542% | 74 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4644% | 4,580 |
| Loan loss allowance to noncurrent loans | 414.9688% | 1,745 |
| Noncurrent assets plus other real estate owned to assets | 0.0556% | 3,425 |
| Noncurrent loans to loans | 0.1119% | 3,183 |
| Net loans and leases to total assets | 49.4771% | 3,423 |
| Net loans and leases to deposits | 56.9390% | 3,307 |
| Net loans and leases to core deposits | 93.5398% | 938 |
| Total domestic deposits to total assets | 86.8949% | 2,974 |
| Equity capital to assets | 12.6363% | 734 |
| Core capital (leverage) ratio | 13.7965% | 665 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $685,616,333 | 1,336 |
| Average earning assets | $677,269,333 | 1,285 |
| Average equity | $105,429,000 | 929 |
| Average total loans | $354,495,000 | 1,517 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0579% | 4,601 |
| Cost of funding earning assets | 0.5810% | 295 |
| Net interest margin | 1.4769% | 4,705 |
| Noninterest income to average assets | 0.2617% | 3,564 |
| Noninterest expense to average assets | 1.5326% | 4,383 |
| Loan and lease loss provision to assets | 0.2879% | 213 |
| Net operating income to assets | -0.0921% | 4,591 |
| Return on assets (ROA) | 0.4952% | 3,693 |
| Pretax return on assets | 0.6449% | 3,523 |
| Return on Equity (ROE) | 2.8518% | 4,124 |
| Retained earnings to average equity (ytd only) | 2.8518% | 3,312 |
| Net charge-offs to loans | 0.0189% | 1,149 |
| Credit loss provision to net charge-offs | 2,700.0000% | 159 |
| Earnings coverage of net charge-offs (x) | 18.8000% | 1,299 |
| Efficiency ratio | 89.0101% | 595 |
| Assets per employee ($millions) | 19.3012% | 113 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4002% | 4,646 |
| Loan loss allowance to noncurrent loans | 394.9735% | 1,756 |
| Noncurrent assets plus other real estate owned to assets | 0.0576% | 3,470 |
| Noncurrent loans to loans | 0.1013% | 3,331 |
| Net loans and leases to total assets | 56.6248% | 2,464 |
| Net loans and leases to deposits | 67.9746% | 2,157 |
| Net loans and leases to core deposits | 108.4648% | 292 |
| Total domestic deposits to total assets | 83.3030% | 3,903 |
| Equity capital to assets | 15.7268% | 338 |
| Core capital (leverage) ratio | 17.2183% | 281 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $596,095,000 | 1,513 |
| Average earning assets | $589,328,500 | 1,434 |
| Average equity | $103,513,000 | 964 |
| Average total loans | $316,840,500 | 1,629 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0872% | 4,660 |
| Cost of funding earning assets | 0.4072% | 1,497 |
| Net interest margin | 1.6799% | 4,694 |
| Noninterest income to average assets | -0.0195% | 4,826 |
| Noninterest expense to average assets | 1.8510% | 4,045 |
| Loan and lease loss provision to assets | 0.2122% | 493 |
| Net operating income to assets | -0.3303% | 4,739 |
| Return on assets (ROA) | -0.1649% | 4,722 |
| Pretax return on assets | -0.2117% | 4,731 |
| Return on Equity (ROE) | -0.5979% | 4,707 |
| Retained earnings to average equity (ytd only) | -0.5979% | 4,557 |
| Net charge-offs to loans | 0.0034% | 2,494 |
| Credit loss provision to net charge-offs | 15,700.0000% | 48 |
| Earnings coverage of net charge-offs (x) | -156.2000% | 2,699 |
| Efficiency ratio | 112.7116% | 87 |
| Assets per employee ($millions) | 19.8499% | 105 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4233% | 4,676 |
| Loan loss allowance to noncurrent loans | 393.9286% | 1,733 |
| Noncurrent assets plus other real estate owned to assets | 0.0522% | 3,620 |
| Noncurrent loans to loans | 0.1074% | 3,390 |
| Net loans and leases to total assets | 48.4168% | 3,464 |
| Net loans and leases to deposits | 60.9988% | 2,990 |
| Net loans and leases to core deposits | 76.0539% | 1,917 |
| Total domestic deposits to total assets | 79.3734% | 4,274 |
| Equity capital to assets | 19.3713% | 199 |
| Core capital (leverage) ratio | 22.3941% | 118 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $374,112,200 | 2,094 |
| Average earning assets | $370,071,600 | 2,003 |
| Average equity | $103,198,600 | 988 |
| Average total loans | $148,877,800 | 2,642 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2137% | 4,708 |
| Cost of funding earning assets | 0.4068% | 1,650 |
| Net interest margin | 1.8069% | 4,743 |
| Noninterest income to average assets | -0.0244% | 4,896 |
| Noninterest expense to average assets | 2.0999% | 3,360 |
| Loan and lease loss provision to assets | 0.1511% | 743 |
| Net operating income to assets | -0.3827% | 4,817 |
| Return on assets (ROA) | -0.2138% | 4,806 |
| Pretax return on assets | -0.2741% | 4,810 |
| Return on Equity (ROE) | -0.6922% | 4,777 |
| Retained earnings to average equity (ytd only) | -0.6922% | 4,633 |
| Net charge-offs to loans | 0.0044% | 2,180 |
| Credit loss provision to net charge-offs | 9,500.0000% | 82 |
| Earnings coverage of net charge-offs (x) | -210.7500% | 2,457 |
| Efficiency ratio | 119.1070% | 75 |
| Assets per employee ($millions) | 14.7555% | 215 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3607% | 4,787 |
| Loan loss allowance to noncurrent loans | 282.9960% | 2,067 |
| Noncurrent assets plus other real estate owned to assets | 0.0598% | 3,718 |
| Noncurrent loans to loans | 0.1275% | 3,467 |
| Net loans and leases to total assets | 46.7340% | 3,738 |
| Net loans and leases to deposits | 63.8896% | 2,864 |
| Net loans and leases to core deposits | 88.5593% | 1,120 |
| Total domestic deposits to total assets | 73.1481% | 4,664 |
| Equity capital to assets | 25.3237% | 92 |
| Core capital (leverage) ratio | 25.5016% | 93 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $333,653,250 | 2,294 |
| Average earning assets | $330,057,000 | 2,210 |
| Average equity | $103,043,250 | 1,005 |
| Average total loans | $120,949,250 | 2,985 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2487% | 4,742 |
| Cost of funding earning assets | 0.3849% | 2,014 |
| Net interest margin | 1.8638% | 4,768 |
| Noninterest income to average assets | 0.0033% | 4,915 |
| Noninterest expense to average assets | 2.5323% | 2,043 |
| Loan and lease loss provision to assets | 0.3197% | 253 |
| Net operating income to assets | -0.7726% | 4,889 |
| Return on assets (ROA) | -0.7618% | 4,892 |
| Pretax return on assets | -0.9904% | 4,896 |
| Return on Equity (ROE) | -2.2826% | 4,846 |
| Retained earnings to average equity (ytd only) | -2.2826% | 4,683 |
| Net charge-offs to loans | 0.0083% | 1,832 |
| Credit loss provision to net charge-offs | 12,250.0000% | 43 |
| Earnings coverage of net charge-offs (x) | -262.7500% | 2,240 |
| Efficiency ratio | 137.0331% | 46 |
| Assets per employee ($millions) | 16.9838% | 151 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4214% | 4,783 |
| 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 | 46.8989% | 3,835 |
| Net loans and leases to deposits | 63.8556% | 3,015 |
| Net loans and leases to core deposits | 88.8293% | 1,218 |
| Total domestic deposits to total assets | 73.4453% | 4,675 |
| Equity capital to assets | 25.2851% | 89 |
| Core capital (leverage) ratio | 26.3934% | 79 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $307,152,667 | 2,416 |
| Average earning assets | $304,003,667 | 2,328 |
| Average equity | $102,515,667 | 1,004 |
| Average total loans | $96,671,333 | 3,300 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1638% | 4,801 |
| Cost of funding earning assets | 0.3051% | 2,935 |
| Net interest margin | 1.8587% | 4,790 |
| Noninterest income to average assets | 0.0047% | 4,930 |
| Noninterest expense to average assets | 3.1683% | 747 |
| Loan and lease loss provision to assets | 0.6570% | 83 |
| Net operating income to assets | -1.5289% | 4,944 |
| Return on assets (ROA) | -1.5055% | 4,942 |
| Pretax return on assets | -1.9508% | 4,951 |
| Return on Equity (ROE) | -3.7832% | 4,890 |
| Retained earnings to average equity (ytd only) | -3.7832% | 4,635 |
| Net charge-offs to loans | 0.0163% | 1,416 |
| Credit loss provision to net charge-offs | 21,150.0000% | 21 |
| Earnings coverage of net charge-offs (x) | -425.0000% | 1,927 |
| Efficiency ratio | 171.7300% | 20 |
| Assets per employee ($millions) | 14.1385% | 226 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9273% | 4,081 |
| 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 | 26.7713% | 4,776 |
| Net loans and leases to deposits | 41.7793% | 4,505 |
| Net loans and leases to core deposits | 42.4460% | 4,551 |
| Total domestic deposits to total assets | 64.0778% | 4,862 |
| Equity capital to assets | 34.5851% | 48 |
| Core capital (leverage) ratio | 38.6183% | 46 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $256,923,500 | 2,692 |
| Average earning assets | $254,364,500 | 2,580 |
| Average equity | $102,241,000 | 995 |
| Average total loans | $49,020,000 | 4,121 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.1922% | 4,992 |
| Cost of funding earning assets | 0.0195% | 4,969 |
| Net interest margin | 0.1726% | 4,991 |
| Noninterest income to average assets | 0.0000% | 4,957 |
| Noninterest expense to average assets | 0.0816% | 4,995 |
| Loan and lease loss provision to assets | 0.1489% | 2,512 |
| Net operating income to assets | -0.0461% | 4,756 |
| Return on assets (ROA) | -0.0286% | 4,783 |
| Pretax return on assets | -0.0373% | 4,779 |
| Return on Equity (ROE) | -0.0609% | 4,775 |
| Retained earnings to average equity (ytd only) | -0.0609% | 4,526 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.7089% | 4,646 |
| Assets per employee ($millions) | 13.5587% | 234 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8136% | 834 |
| 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 | 8.0608% | 4,951 |
| Net loans and leases to deposits | 15.4689% | 4,929 |
| Net loans and leases to core deposits | 15.8889% | 4,926 |
| Total domestic deposits to total assets | 52.1096% | 4,941 |
| Equity capital to assets | 46.9238% | 36 |
| Core capital (leverage) ratio | 59.6365% | 26 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $216,939,000 | 2,820 |
| Average earning assets | $214,929,000 | 2,713 |
| Average equity | $101,796,000 | 951 |
| Average total loans | $17,810,000 | 4,759 |