Home > Piermont Bank > Performance and Condition Ratios
Piermont 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 | 5.3540% | 1,391 |
| Cost of funding earning assets | 2.5696% | 317 |
| Net interest margin | 2.7845% | 3,691 |
| Noninterest income to average assets | 0.7400% | 1,086 |
| Noninterest expense to average assets | 3.3309% | 718 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 0.0302% | 4,302 |
| Return on assets (ROA) | 0.0302% | 4,330 |
| Pretax return on assets | 0.1094% | 4,272 |
| Return on Equity (ROE) | 0.2500% | 4,323 |
| Retained earnings to average equity (ytd only) | 0.2454% | 3,994 |
| 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 | 96.2612% | 252 |
| Assets per employee ($millions) | 12.0489% | 409 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3254% | 1,661 |
| Loan loss allowance to noncurrent loans | 58.4934% | 3,558 |
| Noncurrent assets plus other real estate owned to assets | 1.3955% | 284 |
| Noncurrent loans to loans | 2.2659% | 229 |
| Net loans and leases to total assets | 60.7700% | 2,774 |
| Net loans and leases to deposits | 77.8624% | 2,276 |
| Net loans and leases to core deposits | 85.6883% | 2,325 |
| Total domestic deposits to total assets | 78.0500% | 3,720 |
| Equity capital to assets | 11.8156% | 1,200 |
| Core capital (leverage) ratio | 13.0704% | 1,041 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.3019% | 663 |
| Memoranda: | ||
| Average total assets | $539,521,000 | 1,642 |
| Average earning assets | $526,275,200 | 1,560 |
| Average equity | $66,413,600 | 1,302 |
| Average total loans | $350,080,400 | 1,611 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2530% | 1,355 |
| Cost of funding earning assets | 2.4551% | 298 |
| Net interest margin | 2.7978% | 3,724 |
| Noninterest income to average assets | 0.7200% | 1,124 |
| Noninterest expense to average assets | 3.4406% | 594 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | -0.0428% | 4,452 |
| Return on assets (ROA) | -0.0428% | 4,437 |
| Pretax return on assets | 0.0008% | 4,384 |
| Return on Equity (ROE) | -0.3400% | 4,401 |
| Retained earnings to average equity (ytd only) | -0.3438% | 4,187 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 99.6574% | 185 |
| Assets per employee ($millions) | 11.4168% | 450 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3051% | 1,848 |
| Loan loss allowance to noncurrent loans | 119.4103% | 3,055 |
| Noncurrent assets plus other real estate owned to assets | 0.6971% | 819 |
| Noncurrent loans to loans | 1.0930% | 720 |
| Net loans and leases to total assets | 62.9500% | 2,565 |
| Net loans and leases to deposits | 79.9949% | 2,051 |
| Net loans and leases to core deposits | 83.6403% | 2,348 |
| Total domestic deposits to total assets | 78.7000% | 3,740 |
| Equity capital to assets | 11.6474% | 1,140 |
| Core capital (leverage) ratio | 13.4209% | 968 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9382% | 707 |
| Memoranda: | ||
| Average total assets | $529,814,750 | 1,666 |
| Average earning assets | $517,003,750 | 1,580 |
| Average equity | $65,933,250 | 1,294 |
| Average total loans | $348,552,500 | 1,617 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1749% | 1,244 |
| Cost of funding earning assets | 2.3665% | 239 |
| Net interest margin | 2.8084% | 3,807 |
| Noninterest income to average assets | 0.7100% | 1,093 |
| Noninterest expense to average assets | 3.4034% | 596 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | -0.0096% | 4,481 |
| Return on assets (ROA) | -0.0096% | 4,470 |
| Pretax return on assets | 0.0223% | 4,433 |
| Return on Equity (ROE) | -0.0800% | 4,441 |
| Retained earnings to average equity (ytd only) | -0.0755% | 4,111 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 98.5301% | 191 |
| Assets per employee ($millions) | 10.9298% | 518 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3358% | 1,776 |
| Loan loss allowance to noncurrent loans | 120.1795% | 3,111 |
| Noncurrent assets plus other real estate owned to assets | 0.7282% | 707 |
| Noncurrent loans to loans | 1.1115% | 640 |
| Net loans and leases to total assets | 64.6400% | 2,315 |
| Net loans and leases to deposits | 84.5482% | 1,622 |
| Net loans and leases to core deposits | 88.9890% | 1,864 |
| Total domestic deposits to total assets | 76.4600% | 4,007 |
| Equity capital to assets | 12.4104% | 951 |
| Core capital (leverage) ratio | 13.4968% | 880 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.0176% | 718 |
| Memoranda: | ||
| Average total assets | $519,946,000 | 1,683 |
| Average earning assets | $508,258,667 | 1,607 |
| Average equity | $66,191,667 | 1,290 |
| Average total loans | $345,792,667 | 1,616 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7134% | 1,812 |
| Cost of funding earning assets | 2.1756% | 205 |
| Net interest margin | 2.5377% | 4,270 |
| Noninterest income to average assets | 0.7100% | 1,070 |
| Noninterest expense to average assets | 3.3928% | 606 |
| Loan and lease loss provision to assets | 0.0100% | 2,408 |
| Net operating income to assets | -0.2226% | 4,559 |
| Return on assets (ROA) | -0.2226% | 4,545 |
| Pretax return on assets | -0.1984% | 4,526 |
| Return on Equity (ROE) | -1.7300% | 4,506 |
| Retained earnings to average equity (ytd only) | -1.7258% | 4,197 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 105.9254% | 125 |
| Assets per employee ($millions) | 13.5902% | 272 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3418% | 1,850 |
| 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 | 61.0200% | 2,557 |
| Net loans and leases to deposits | 77.5875% | 1,994 |
| Net loans and leases to core deposits | 81.9217% | 2,121 |
| Total domestic deposits to total assets | 78.6500% | 3,930 |
| Equity capital to assets | 11.9146% | 1,022 |
| Core capital (leverage) ratio | 15.0306% | 569 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.8183% | 679 |
| Memoranda: | ||
| Average total assets | $512,138,500 | 1,716 |
| Average earning assets | $502,655,500 | 1,645 |
| Average equity | $66,055,000 | 1,302 |
| Average total loans | $343,244,500 | 1,640 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6650% | 2,624 |
| Cost of funding earning assets | 0.6162% | 839 |
| Net interest margin | 3.0488% | 3,313 |
| Noninterest income to average assets | 0.7800% | 1,052 |
| Noninterest expense to average assets | 3.4118% | 540 |
| Loan and lease loss provision to assets | 0.6100% | 89 |
| Net operating income to assets | -0.2691% | 4,616 |
| Return on assets (ROA) | -0.2691% | 4,604 |
| Pretax return on assets | -0.2380% | 4,595 |
| Return on Equity (ROE) | -1.9200% | 4,582 |
| Retained earnings to average equity (ytd only) | -1.9194% | 4,477 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 90.1651% | 298 |
| Assets per employee ($millions) | 11.6770% | 429 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3494% | 1,688 |
| 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 | 72.2000% | 1,397 |
| Net loans and leases to deposits | 89.1285% | 1,108 |
| Net loans and leases to core deposits | 95.4005% | 1,233 |
| Total domestic deposits to total assets | 81.0100% | 3,752 |
| Equity capital to assets | 14.0708% | 570 |
| Core capital (leverage) ratio | 15.6946% | 491 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.8588% | 636 |
| Memoranda: | ||
| Average total assets | $421,066,200 | 1,947 |
| Average earning assets | $415,119,600 | 1,862 |
| Average equity | $59,030,000 | 1,420 |
| Average total loans | $234,292,400 | 2,025 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1693% | 3,508 |
| Cost of funding earning assets | 0.2617% | 2,583 |
| Net interest margin | 2.9076% | 3,482 |
| Noninterest income to average assets | 0.7700% | 1,094 |
| Noninterest expense to average assets | 3.4130% | 519 |
| Loan and lease loss provision to assets | 0.5600% | 88 |
| Net operating income to assets | -0.3548% | 4,666 |
| Return on assets (ROA) | -0.3548% | 4,650 |
| Pretax return on assets | -0.3366% | 4,642 |
| Return on Equity (ROE) | -2.5300% | 4,628 |
| Retained earnings to average equity (ytd only) | -2.5338% | 4,518 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 93.8082% | 235 |
| Assets per employee ($millions) | 10.2028% | 616 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3569% | 1,776 |
| 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 | 61.0500% | 2,397 |
| Net loans and leases to deposits | 72.0353% | 2,199 |
| Net loans and leases to core deposits | 77.2366% | 2,097 |
| Total domestic deposits to total assets | 84.7500% | 3,342 |
| Equity capital to assets | 14.5089% | 502 |
| Core capital (leverage) ratio | 16.3308% | 414 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.8127% | 393 |
| Memoranda: | ||
| Average total assets | $409,562,750 | 2,006 |
| Average earning assets | $404,448,500 | 1,909 |
| Average equity | $57,357,000 | 1,465 |
| Average total loans | $207,398,500 | 2,189 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7099% | 4,128 |
| Cost of funding earning assets | 0.0994% | 4,197 |
| Net interest margin | 2.6104% | 3,887 |
| Noninterest income to average assets | 0.7815% | 1,095 |
| Noninterest expense to average assets | 3.5728% | 409 |
| Loan and lease loss provision to assets | 0.5040% | 106 |
| Net operating income to assets | -0.7290% | 4,701 |
| Return on assets (ROA) | -0.7290% | 4,689 |
| Pretax return on assets | -0.7128% | 4,678 |
| Return on Equity (ROE) | -5.2771% | 4,680 |
| Retained earnings to average equity (ytd only) | -5.2771% | 4,552 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.2088% | 132 |
| Assets per employee ($millions) | 11.5832% | 425 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3561% | 1,932 |
| Loan loss allowance to noncurrent loans | 3,343.9560% | 355 |
| Noncurrent assets plus other real estate owned to assets | 0.0207% | 3,795 |
| Noncurrent loans to loans | 0.0406% | 3,643 |
| Net loans and leases to total assets | 50.2873% | 3,338 |
| Net loans and leases to deposits | 59.8138% | 3,061 |
| Net loans and leases to core deposits | 61.8053% | 3,131 |
| Total domestic deposits to total assets | 84.0731% | 3,675 |
| Equity capital to assets | 15.3946% | 374 |
| Core capital (leverage) ratio | 19.5379% | 212 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.3426% | 218 |
| Memoranda: | ||
| Average total assets | $396,442,333 | 2,066 |
| Average earning assets | $392,193,000 | 1,975 |
| Average equity | $54,764,667 | 1,559 |
| Average total loans | $183,921,000 | 2,358 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6877% | 3,968 |
| Cost of funding earning assets | 0.0873% | 4,278 |
| Net interest margin | 2.6004% | 3,660 |
| Noninterest income to average assets | 0.7721% | 1,108 |
| Noninterest expense to average assets | 2.8971% | 965 |
| Loan and lease loss provision to assets | 0.2680% | 235 |
| Net operating income to assets | 0.1666% | 4,382 |
| Return on assets (ROA) | 0.1666% | 4,351 |
| Pretax return on assets | 0.1826% | 4,341 |
| Return on Equity (ROE) | 1.2928% | 4,376 |
| Retained earnings to average equity (ytd only) | 1.2928% | 3,750 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.5391% | 706 |
| Assets per employee ($millions) | 12.0314% | 392 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3466% | 2,130 |
| Loan loss allowance to noncurrent loans | 669.0962% | 1,222 |
| Noncurrent assets plus other real estate owned to assets | 0.0891% | 3,186 |
| Noncurrent loans to loans | 0.2013% | 2,818 |
| Net loans and leases to total assets | 43.6710% | 3,759 |
| Net loans and leases to deposits | 50.3314% | 3,707 |
| Net loans and leases to core deposits | 51.8308% | 3,743 |
| Total domestic deposits to total assets | 86.7669% | 3,009 |
| Equity capital to assets | 12.2910% | 863 |
| Core capital (leverage) ratio | 13.2742% | 711 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.7130% | 273 |
| Memoranda: | ||
| Average total assets | $374,583,000 | 2,154 |
| Average earning assets | $371,018,500 | 2,071 |
| Average equity | $48,266,500 | 1,780 |
| Average total loans | $163,687,500 | 2,518 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3615% | 4,558 |
| Cost of funding earning assets | 0.1151% | 4,275 |
| Net interest margin | 2.2464% | 4,459 |
| Noninterest income to average assets | 0.6609% | 1,899 |
| Noninterest expense to average assets | 3.3683% | 571 |
| Loan and lease loss provision to assets | 0.3619% | 198 |
| Net operating income to assets | -0.8629% | 4,783 |
| Return on assets (ROA) | -0.8629% | 4,785 |
| Pretax return on assets | -0.8431% | 4,783 |
| Return on Equity (ROE) | -6.2855% | 4,789 |
| Retained earnings to average equity (ytd only) | -6.2855% | 4,729 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 116.6687% | 73 |
| Assets per employee ($millions) | 12.5573% | 347 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3024% | 2,347 |
| Loan loss allowance to noncurrent loans | 599.4135% | 1,255 |
| Noncurrent assets plus other real estate owned to assets | 0.0936% | 3,281 |
| Noncurrent loans to loans | 0.2173% | 2,877 |
| Net loans and leases to total assets | 42.5363% | 3,945 |
| Net loans and leases to deposits | 49.4741% | 3,920 |
| Net loans and leases to core deposits | 51.0498% | 3,962 |
| Total domestic deposits to total assets | 85.9768% | 2,919 |
| Equity capital to assets | 13.5138% | 761 |
| Core capital (leverage) ratio | 14.6941% | 504 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.4555% | 229 |
| Memoranda: | ||
| Average total assets | $283,232,600 | 2,517 |
| Average earning assets | $280,673,200 | 2,436 |
| Average equity | $38,883,000 | 2,124 |
| Average total loans | $121,577,800 | 2,940 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4227% | 4,615 |
| Cost of funding earning assets | 0.1264% | 4,297 |
| Net interest margin | 2.2963% | 4,494 |
| Noninterest income to average assets | 0.6286% | 2,104 |
| Noninterest expense to average assets | 3.4554% | 485 |
| Loan and lease loss provision to assets | 0.3798% | 177 |
| Net operating income to assets | -0.9531% | 4,859 |
| Return on assets (ROA) | -0.9531% | 4,863 |
| Pretax return on assets | -0.9323% | 4,859 |
| Return on Equity (ROE) | -6.9051% | 4,866 |
| Retained earnings to average equity (ytd only) | -6.9051% | 4,817 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 119.0360% | 76 |
| Assets per employee ($millions) | 11.5588% | 422 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2914% | 2,534 |
| 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 | 38.9945% | 4,253 |
| Net loans and leases to deposits | 46.0728% | 4,225 |
| Net loans and leases to core deposits | 47.6412% | 4,255 |
| Total domestic deposits to total assets | 84.6368% | 3,251 |
| Equity capital to assets | 14.3735% | 655 |
| Core capital (leverage) ratio | 17.1101% | 312 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 34.5240% | 175 |
| Memoranda: | ||
| Average total assets | $263,000,250 | 2,671 |
| Average earning assets | $260,475,500 | 2,567 |
| Average equity | $36,300,750 | 2,261 |
| Average total loans | $112,736,000 | 3,072 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4460% | 4,654 |
| Cost of funding earning assets | 0.1453% | 4,247 |
| Net interest margin | 2.3007% | 4,520 |
| Noninterest income to average assets | 0.6534% | 1,993 |
| Noninterest expense to average assets | 3.5818% | 418 |
| Loan and lease loss provision to assets | 0.4569% | 122 |
| Net operating income to assets | -1.1324% | 4,903 |
| Return on assets (ROA) | -1.1324% | 4,903 |
| Pretax return on assets | -1.1086% | 4,900 |
| Return on Equity (ROE) | -8.3745% | 4,904 |
| Retained earnings to average equity (ytd only) | -8.3745% | 4,848 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 122.2416% | 72 |
| Assets per employee ($millions) | 11.0501% | 450 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2266% | 2,789 |
| 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 | 43.6121% | 4,063 |
| Net loans and leases to deposits | 49.3842% | 4,143 |
| Net loans and leases to core deposits | 51.8635% | 4,144 |
| Total domestic deposits to total assets | 88.3120% | 1,662 |
| Equity capital to assets | 11.1781% | 1,846 |
| Core capital (leverage) ratio | 11.0507% | 1,580 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.6209% | 395 |
| Memoranda: | ||
| Average total assets | $235,079,000 | 2,842 |
| Average earning assets | $232,623,000 | 2,743 |
| Average equity | $31,787,000 | 2,460 |
| Average total loans | $104,652,000 | 3,197 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5806% | 4,586 |
| Cost of funding earning assets | 0.1646% | 4,204 |
| Net interest margin | 2.4160% | 4,399 |
| Noninterest income to average assets | 0.0670% | 4,805 |
| Noninterest expense to average assets | 3.4168% | 518 |
| Loan and lease loss provision to assets | 0.2795% | 350 |
| Net operating income to assets | -1.2672% | 4,937 |
| Return on assets (ROA) | -1.2672% | 4,937 |
| Pretax return on assets | -1.2404% | 4,937 |
| Return on Equity (ROE) | -8.3737% | 4,930 |
| Retained earnings to average equity (ytd only) | -8.3737% | 4,792 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 139.1270% | 39 |
| Assets per employee ($millions) | 11.0372% | 442 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1720% | 3,084 |
| 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 | 38.7312% | 4,393 |
| Net loans and leases to deposits | 44.8359% | 4,398 |
| Net loans and leases to core deposits | 48.1576% | 4,368 |
| Total domestic deposits to total assets | 86.3844% | 2,583 |
| Equity capital to assets | 12.7687% | 975 |
| Core capital (leverage) ratio | 16.8267% | 323 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.5484% | 201 |
| Memoranda: | ||
| Average total assets | $208,967,000 | 3,012 |
| Average earning assets | $206,621,500 | 2,920 |
| Average equity | $31,623,000 | 2,456 |
| Average total loans | $93,550,500 | 3,353 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0155% | 4,619 |
| Cost of funding earning assets | 0.3029% | 4,126 |
| Net interest margin | 2.7126% | 4,364 |
| Noninterest income to average assets | 0.2232% | 4,161 |
| Noninterest expense to average assets | 7.5734% | 101 |
| Loan and lease loss provision to assets | 0.9557% | 110 |
| Net operating income to assets | -5.7436% | 4,994 |
| Return on assets (ROA) | -5.7436% | 4,994 |
| Pretax return on assets | -5.6433% | 4,993 |
| Return on Equity (ROE) | -19.4742% | 4,972 |
| Retained earnings to average equity (ytd only) | -19.4742% | 4,958 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 262.4309% | 10 |
| Assets per employee ($millions) | 6.8366% | 1,684 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1631% | 3,140 |
| 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 | 52.7764% | 3,604 |
| Net loans and leases to deposits | 65.7183% | 3,301 |
| Net loans and leases to core deposits | 74.2349% | 2,895 |
| Total domestic deposits to total assets | 80.3070% | 3,997 |
| Equity capital to assets | 18.7909% | 237 |
| Core capital (leverage) ratio | 22.9437% | 120 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 35.3059% | 173 |
| Memoranda: | ||
| Average total assets | $106,622,600 | 3,909 |
| Average earning assets | $104,659,000 | 3,839 |
| Average equity | $31,446,800 | 2,411 |
| Average total loans | $55,562,200 | 3,987 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8790% | 4,800 |
| Cost of funding earning assets | 0.3499% | 4,054 |
| Net interest margin | 2.5291% | 4,636 |
| Noninterest income to average assets | 0.3252% | 3,540 |
| Noninterest expense to average assets | 8.6508% | 91 |
| Loan and lease loss provision to assets | 1.1869% | 90 |
| Net operating income to assets | -7.1710% | 5,023 |
| Return on assets (ROA) | -7.1710% | 5,023 |
| Pretax return on assets | -7.0366% | 5,022 |
| Return on Equity (ROE) | -20.9359% | 5,001 |
| Retained earnings to average equity (ytd only) | -20.9359% | 4,984 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 308.8751% | 11 |
| Assets per employee ($millions) | 5.5798% | 2,639 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0329% | 3,550 |
| 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 | 61.2977% | 3,084 |
| Net loans and leases to deposits | 81.4957% | 2,149 |
| Net loans and leases to core deposits | 96.8722% | 1,386 |
| Total domestic deposits to total assets | 75.2158% | 4,486 |
| Equity capital to assets | 23.7634% | 111 |
| Core capital (leverage) ratio | 24.5657% | 103 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 39.4567% | 149 |
| Memoranda: | ||
| Average total assets | $92,258,500 | 4,090 |
| Average earning assets | $90,308,000 | 4,018 |
| Average equity | $31,600,500 | 2,398 |
| Average total loans | $47,549,250 | 4,174 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5122% | 4,960 |
| Cost of funding earning assets | 0.3830% | 4,111 |
| Net interest margin | 2.1293% | 4,911 |
| Noninterest income to average assets | 0.5285% | 2,448 |
| Noninterest expense to average assets | 10.3823% | 70 |
| Loan and lease loss provision to assets | 1.7225% | 65 |
| Net operating income to assets | -9.6968% | 5,060 |
| Return on assets (ROA) | -9.6968% | 5,060 |
| Pretax return on assets | -9.4974% | 5,059 |
| Return on Equity (ROE) | -24.3366% | 5,037 |
| Retained earnings to average equity (ytd only) | -24.3366% | 5,021 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 398.1836% | 5 |
| Assets per employee ($millions) | 4.6767% | 3,562 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0015% | 3,571 |
| 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 | 58.4235% | 3,477 |
| Net loans and leases to deposits | 80.7726% | 2,343 |
| Net loans and leases to core deposits | 93.0524% | 1,817 |
| Total domestic deposits to total assets | 72.3308% | 4,692 |
| Equity capital to assets | 26.9225% | 80 |
| Core capital (leverage) ratio | 32.8157% | 56 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 47.9646% | 91 |
| Memoranda: | ||
| Average total assets | $80,232,667 | 4,248 |
| Average earning assets | $78,336,333 | 4,192 |
| Average equity | $31,968,333 | 2,361 |
| Average total loans | $36,903,000 | 4,409 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5567% | 5,038 |
| Cost of funding earning assets | 0.5992% | 3,442 |
| Net interest margin | 1.9575% | 5,023 |
| Noninterest income to average assets | 0.0194% | 5,023 |
| Noninterest expense to average assets | 11.9566% | 64 |
| Loan and lease loss provision to assets | 1.7321% | 86 |
| Net operating income to assets | -11.7821% | 5,109 |
| Return on assets (ROA) | -11.7821% | 5,108 |
| Pretax return on assets | -11.7692% | 5,108 |
| Return on Equity (ROE) | -22.6361% | 5,067 |
| Retained earnings to average equity (ytd only) | -22.6361% | 4,989 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 622.8956% | 7 |
| Assets per employee ($millions) | 3.4123% | 4,553 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0006% | 3,710 |
| 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 | 33.7869% | 4,835 |
| Net loans and leases to deposits | 59.2956% | 4,229 |
| Net loans and leases to core deposits | 119.4944% | 482 |
| Total domestic deposits to total assets | 56.9805% | 5,046 |
| Equity capital to assets | 42.4640% | 42 |
| Core capital (leverage) ratio | 51.6818% | 32 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 99.9821% | 37 |
| Memoranda: | ||
| Average total assets | $61,890,500 | 4,534 |
| Average earning assets | $60,078,000 | 4,478 |
| Average equity | $32,214,000 | 2,344 |
| Average total loans | $20,855,500 | 4,789 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.0342% | 5,165 |
| Cost of funding earning assets | 0.1241% | 5,078 |
| Net interest margin | 0.9101% | 5,161 |
| Noninterest income to average assets | 0.0046% | 5,121 |
| Noninterest expense to average assets | 7.5606% | 96 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | -6.6947% | 5,174 |
| Return on assets (ROA) | -6.6947% | 5,174 |
| Pretax return on assets | -6.6947% | 5,174 |
| Return on Equity (ROE) | -9.1256% | 5,114 |
| Retained earnings to average equity (ytd only) | -9.1256% | 5,052 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 873.1383% | 4 |
| Assets per employee ($millions) | 1.8119% | 5,096 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 5,123 |
| 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 | 32.9507% | 4,922 |
| Net loans and leases to deposits | 107.4045% | 245 |
| Net loans and leases to core deposits | 107.4045% | 1,016 |
| Total domestic deposits to total assets | 30.6791% | 5,145 |
| Equity capital to assets | 68.6587% | 31 |
| Core capital (leverage) ratio | 74.1630% | 28 |
| Tier 1 risk-based capital ratio | 166.8419% | 29 |
| Total risk-based capital ratio | 166.8419% | 29 |
| Memoranda: | ||
| Average total assets | $43,422,500 | 4,850 |
| Average earning assets | $41,095,000 | 4,827 |
| Average equity | $31,855,500 | 2,307 |
| Average total loans | $7,463,000 | 5,098 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.4516% | 5,252 |
| Cost of funding earning assets | 0.0483% | 5,223 |
| Net interest margin | 0.4034% | 5,249 |
| Noninterest income to average assets | 0.0032% | 5,206 |
| Noninterest expense to average assets | 4.8650% | 227 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | -4.4864% | 5,242 |
| Return on assets (ROA) | -4.4864% | 5,242 |
| Pretax return on assets | -4.4864% | 5,242 |
| Return on Equity (ROE) | -5.7159% | 5,163 |
| Retained earnings to average equity (ytd only) | -5.7159% | 5,078 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 1,284.7458% | 3 |
| Assets per employee ($millions) | 1.8064% | 5,181 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| 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 | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,226 |
| Net loans and leases to deposits | 0.0000% | 5,226 |
| Net loans and leases to core deposits | 0.0000% | 5,215 |
| Total domestic deposits to total assets | 20.9040% | 5,230 |
| Equity capital to assets | 78.4894% | 24 |
| Core capital (leverage) ratio | 88.5540% | 19 |
| Tier 1 risk-based capital ratio | 1,673.1657% | 2 |
| Total risk-based capital ratio | 1,673.1657% | 2 |
| Memoranda: | ||
| Average total assets | $41,547,000 | 4,941 |
| Average earning assets | $38,674,000 | 4,930 |
| Average equity | $32,610,000 | 2,276 |
| Average total loans | NA | NA |