Home > Riverside Bank of Dublin > Performance and Condition Ratios
Riverside Bank of Dublin, 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 | 5.3367% | 1,420 |
| Cost of funding earning assets | 2.9652% | 156 |
| Net interest margin | 2.3715% | 4,206 |
| Noninterest income to average assets | 0.0300% | 4,476 |
| Noninterest expense to average assets | 1.8724% | 3,890 |
| Loan and lease loss provision to assets | 0.2700% | 406 |
| Net operating income to assets | 0.1691% | 4,195 |
| Return on assets (ROA) | 0.1691% | 4,217 |
| Pretax return on assets | 0.2143% | 4,185 |
| Return on Equity (ROE) | 1.1100% | 4,250 |
| Retained earnings to average equity (ytd only) | 1.1101% | 3,808 |
| 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 | 79.3213% | 958 |
| Assets per employee ($millions) | 14.1954% | 247 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9971% | 3,331 |
| 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 | 79.8400% | 657 |
| Net loans and leases to deposits | 94.1524% | 927 |
| Net loans and leases to core deposits | 102.4988% | 1,306 |
| Total domestic deposits to total assets | 84.8000% | 2,372 |
| Equity capital to assets | 12.1930% | 1,070 |
| Core capital (leverage) ratio | 13.7988% | 843 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $146,068,800 | 3,401 |
| Average earning assets | $143,329,600 | 3,310 |
| Average equity | $22,249,600 | 2,666 |
| Average total loans | $128,971,400 | 2,862 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3608% | 1,196 |
| Cost of funding earning assets | 2.8059% | 157 |
| Net interest margin | 2.5549% | 4,083 |
| Noninterest income to average assets | 0.0300% | 4,496 |
| Noninterest expense to average assets | 1.9924% | 3,612 |
| Loan and lease loss provision to assets | 0.2600% | 385 |
| Net operating income to assets | 0.2238% | 4,206 |
| Return on assets (ROA) | 0.2238% | 4,219 |
| Pretax return on assets | 0.2834% | 4,183 |
| Return on Equity (ROE) | 1.3800% | 4,273 |
| Retained earnings to average equity (ytd only) | 1.3762% | 3,869 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 78.5137% | 970 |
| Assets per employee ($millions) | 11.0324% | 495 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0011% | 3,362 |
| 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 | 86.5600% | 134 |
| Net loans and leases to deposits | 105.4475% | 308 |
| Net loans and leases to core deposits | 115.6174% | 679 |
| Total domestic deposits to total assets | 82.0900% | 3,190 |
| Equity capital to assets | 14.3978% | 600 |
| Core capital (leverage) ratio | 15.0759% | 611 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $136,451,000 | 3,499 |
| Average earning assets | $133,857,250 | 3,411 |
| Average equity | $22,186,750 | 2,669 |
| Average total loans | $124,008,000 | 2,913 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2639% | 1,126 |
| Cost of funding earning assets | 2.5835% | 162 |
| Net interest margin | 2.6803% | 4,000 |
| Noninterest income to average assets | 0.0200% | 4,546 |
| Noninterest expense to average assets | 2.0084% | 3,572 |
| Loan and lease loss provision to assets | 0.3500% | 253 |
| Net operating income to assets | 0.2315% | 4,246 |
| Return on assets (ROA) | 0.2315% | 4,268 |
| Pretax return on assets | 0.2928% | 4,237 |
| Return on Equity (ROE) | 1.3600% | 4,342 |
| Retained earnings to average equity (ytd only) | 1.3622% | 3,851 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 75.6351% | 1,206 |
| Assets per employee ($millions) | 9.6003% | 754 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0047% | 3,396 |
| 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 | 89.9000% | 37 |
| Net loans and leases to deposits | 119.0021% | 101 |
| Net loans and leases to core deposits | 131.9574% | 300 |
| Total domestic deposits to total assets | 75.5500% | 4,079 |
| Equity capital to assets | 15.4767% | 479 |
| Core capital (leverage) ratio | 16.1539% | 460 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3887% | 1,050 |
| Memoranda: | ||
| Average total assets | $130,450,000 | 3,566 |
| Average earning assets | $128,118,667 | 3,483 |
| Average equity | $22,169,667 | 2,678 |
| Average total loans | $120,326,667 | 2,944 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0424% | 1,148 |
| Cost of funding earning assets | 2.2965% | 154 |
| Net interest margin | 2.7459% | 4,016 |
| Noninterest income to average assets | 0.0200% | 4,597 |
| Noninterest expense to average assets | 2.0441% | 3,509 |
| Loan and lease loss provision to assets | 0.4400% | 177 |
| Net operating income to assets | 0.1876% | 4,366 |
| Return on assets (ROA) | 0.1876% | 4,334 |
| Pretax return on assets | 0.2361% | 4,306 |
| Return on Equity (ROE) | 1.0500% | 4,377 |
| Retained earnings to average equity (ytd only) | 1.0493% | 3,859 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 75.0594% | 1,242 |
| Assets per employee ($millions) | 10.9567% | 513 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9997% | 3,520 |
| 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 | 91.9700% | 16 |
| Net loans and leases to deposits | 117.3395% | 107 |
| Net loans and leases to core deposits | 126.4534% | 323 |
| Total domestic deposits to total assets | 78.3800% | 3,959 |
| Equity capital to assets | 16.8672% | 351 |
| Core capital (leverage) ratio | 17.6948% | 358 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3110% | 946 |
| Memoranda: | ||
| Average total assets | $123,673,000 | 3,686 |
| Average earning assets | $121,926,500 | 3,583 |
| Average equity | $22,111,000 | 2,710 |
| Average total loans | $115,100,000 | 3,033 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7844% | 2,320 |
| Cost of funding earning assets | 1.0209% | 142 |
| Net interest margin | 2.7635% | 3,950 |
| Noninterest income to average assets | 0.0400% | 4,598 |
| Noninterest expense to average assets | 2.3080% | 2,706 |
| Loan and lease loss provision to assets | 0.7000% | 73 |
| Net operating income to assets | -0.1905% | 4,607 |
| Return on assets (ROA) | -0.1905% | 4,595 |
| Pretax return on assets | -0.2417% | 4,596 |
| Return on Equity (ROE) | -0.7900% | 4,568 |
| Retained earnings to average equity (ytd only) | -0.7879% | 4,430 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 83.4317% | 515 |
| Assets per employee ($millions) | 7.7244% | 1,471 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0031% | 3,363 |
| 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 | 92.3300% | 13 |
| Net loans and leases to deposits | 114.2011% | 114 |
| Net loans and leases to core deposits | 122.2072% | 334 |
| Total domestic deposits to total assets | 80.8500% | 3,775 |
| Equity capital to assets | 19.0263% | 253 |
| Core capital (leverage) ratio | 20.5287% | 235 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7987% | 744 |
| Memoranda: | ||
| Average total assets | $91,856,200 | 3,993 |
| Average earning assets | $90,609,000 | 3,928 |
| Average equity | $22,211,600 | 2,753 |
| Average total loans | $72,225,400 | 3,538 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4190% | 2,866 |
| Cost of funding earning assets | 0.7320% | 221 |
| Net interest margin | 2.6870% | 3,954 |
| Noninterest income to average assets | 0.0500% | 4,607 |
| Noninterest expense to average assets | 2.4227% | 2,253 |
| Loan and lease loss provision to assets | 0.6400% | 75 |
| Net operating income to assets | -0.2858% | 4,657 |
| Return on assets (ROA) | -0.2858% | 4,638 |
| Pretax return on assets | -0.3618% | 4,645 |
| Return on Equity (ROE) | -1.1000% | 4,593 |
| Retained earnings to average equity (ytd only) | -1.1024% | 4,431 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 89.7583% | 325 |
| Assets per employee ($millions) | 6.9106% | 2,012 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9937% | 3,514 |
| 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 | 81.8900% | 382 |
| Net loans and leases to deposits | 104.0373% | 241 |
| Net loans and leases to core deposits | 110.9189% | 443 |
| Total domestic deposits to total assets | 78.7100% | 4,201 |
| Equity capital to assets | 21.1221% | 195 |
| Core capital (leverage) ratio | 22.7458% | 178 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.7319% | 447 |
| Memoranda: | ||
| Average total assets | $85,853,750 | 4,094 |
| Average earning assets | $84,701,250 | 4,011 |
| Average equity | $22,253,250 | 2,800 |
| Average total loans | $63,266,000 | 3,701 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9982% | 3,563 |
| Cost of funding earning assets | 0.5119% | 483 |
| Net interest margin | 2.4862% | 4,104 |
| Noninterest income to average assets | 0.0501% | 4,629 |
| Noninterest expense to average assets | 2.7403% | 1,295 |
| Loan and lease loss provision to assets | 0.6407% | 78 |
| Net operating income to assets | -0.6907% | 4,697 |
| Return on assets (ROA) | -0.6907% | 4,685 |
| Pretax return on assets | -0.8759% | 4,693 |
| Return on Equity (ROE) | -2.4673% | 4,628 |
| Retained earnings to average equity (ytd only) | -2.4673% | 4,415 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 109.3906% | 117 |
| Assets per employee ($millions) | 5.4186% | 3,305 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0018% | 3,585 |
| 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 | 84.6184% | 160 |
| Net loans and leases to deposits | 124.9877% | 33 |
| Net loans and leases to core deposits | 134.5035% | 97 |
| Total domestic deposits to total assets | 67.7014% | 4,641 |
| Equity capital to assets | 27.0869% | 78 |
| Core capital (leverage) ratio | 26.4520% | 92 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.0049% | 221 |
| Memoranda: | ||
| Average total assets | $79,918,667 | 4,204 |
| Average earning assets | $78,914,333 | 4,131 |
| Average equity | $22,372,667 | 2,861 |
| Average total loans | $55,776,000 | 3,869 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6154% | 4,093 |
| Cost of funding earning assets | 0.4843% | 539 |
| Net interest margin | 2.1311% | 4,415 |
| Noninterest income to average assets | 0.0404% | 4,684 |
| Noninterest expense to average assets | 2.2969% | 2,512 |
| Loan and lease loss provision to assets | 0.4998% | 97 |
| Net operating income to assets | -0.5099% | 4,703 |
| Return on assets (ROA) | -0.5099% | 4,691 |
| Pretax return on assets | -0.6462% | 4,700 |
| Return on Equity (ROE) | -1.7915% | 4,629 |
| Retained earnings to average equity (ytd only) | -1.7915% | 4,232 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.8075% | 158 |
| Assets per employee ($millions) | 6.0480% | 2,764 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0026% | 3,715 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 62.9700% | 1,744 |
| Net loans and leases to deposits | 85.8072% | 755 |
| Net loans and leases to core deposits | 92.3239% | 798 |
| Total domestic deposits to total assets | 73.3855% | 4,591 |
| Equity capital to assets | 26.4220% | 77 |
| Core capital (leverage) ratio | 27.4526% | 73 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 37.1952% | 140 |
| Memoranda: | ||
| Average total assets | $79,238,500 | 4,232 |
| Average earning assets | $78,458,000 | 4,157 |
| Average equity | $22,551,000 | 2,936 |
| Average total loans | $48,927,500 | 3,989 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7680% | 4,723 |
| Cost of funding earning assets | 0.3484% | 1,947 |
| Net interest margin | 1.4196% | 4,736 |
| Noninterest income to average assets | 0.0892% | 4,644 |
| Noninterest expense to average assets | 3.7756% | 357 |
| Loan and lease loss provision to assets | 0.8194% | 50 |
| Net operating income to assets | -2.6218% | 4,821 |
| Return on assets (ROA) | -2.6218% | 4,821 |
| Pretax return on assets | -3.0974% | 4,822 |
| Return on Equity (ROE) | -6.1093% | 4,788 |
| Retained earnings to average equity (ytd only) | -6.1093% | 4,726 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 252.1092% | 15 |
| Assets per employee ($millions) | 6.1504% | 2,609 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0023% | 3,743 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 59.0150% | 2,270 |
| Net loans and leases to deposits | 85.4207% | 830 |
| Net loans and leases to core deposits | 91.6602% | 897 |
| Total domestic deposits to total assets | 69.0875% | 4,701 |
| Equity capital to assets | 30.7974% | 58 |
| Core capital (leverage) ratio | 29.6463% | 64 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $53,819,000 | 4,522 |
| Average earning assets | $53,393,750 | 4,469 |
| Average equity | $23,095,750 | 2,974 |
| Average total loans | $27,017,500 | 4,434 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4931% | 4,831 |
| Cost of funding earning assets | 0.2565% | 3,053 |
| Net interest margin | 1.2367% | 4,836 |
| Noninterest income to average assets | 0.0679% | 4,759 |
| Noninterest expense to average assets | 4.2354% | 247 |
| Loan and lease loss provision to assets | 0.9437% | 42 |
| Net operating income to assets | -3.3250% | 4,898 |
| Return on assets (ROA) | -3.3250% | 4,898 |
| Pretax return on assets | -3.8848% | 4,900 |
| Return on Equity (ROE) | -6.7533% | 4,864 |
| Retained earnings to average equity (ytd only) | -6.7533% | 4,815 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 327.0742% | 13 |
| Assets per employee ($millions) | 5.9490% | 2,743 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9830% | 3,906 |
| 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 | 47.1298% | 3,699 |
| Net loans and leases to deposits | 69.6368% | 2,278 |
| Net loans and leases to core deposits | 73.4078% | 2,288 |
| Total domestic deposits to total assets | 67.6794% | 4,781 |
| Equity capital to assets | 32.1637% | 54 |
| Core capital (leverage) ratio | 38.3738% | 48 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $47,157,000 | 4,658 |
| Average earning assets | $46,791,333 | 4,605 |
| Average equity | $23,217,667 | 3,000 |
| Average total loans | $21,357,667 | 4,607 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2034% | 4,891 |
| Cost of funding earning assets | 0.1324% | 4,334 |
| Net interest margin | 1.0710% | 4,892 |
| Noninterest income to average assets | 0.0285% | 4,873 |
| Noninterest expense to average assets | 5.8502% | 130 |
| Loan and lease loss provision to assets | 1.2671% | 24 |
| Net operating income to assets | -5.2852% | 4,940 |
| Return on assets (ROA) | -5.2852% | 4,939 |
| Pretax return on assets | -6.0271% | 4,940 |
| Return on Equity (ROE) | -7.9328% | 4,900 |
| Retained earnings to average equity (ytd only) | -7.9328% | 4,842 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 536.6492% | 7 |
| Assets per employee ($millions) | 3.7460% | 4,582 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0006% | 3,824 |
| 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 | 53.3029% | 3,223 |
| Net loans and leases to deposits | 122.4645% | 51 |
| Net loans and leases to core deposits | 139.8357% | 86 |
| Total domestic deposits to total assets | 43.5252% | 4,905 |
| Equity capital to assets | 56.3267% | 35 |
| Core capital (leverage) ratio | 64.1852% | 28 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $35,041,500 | 4,811 |
| Average earning assets | $34,734,500 | 4,771 |
| Average equity | $23,346,000 | 2,982 |
| Average total loans | $15,047,000 | 4,754 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.3213% | 4,966 |
| Cost of funding earning assets | 0.0140% | 4,940 |
| Net interest margin | 0.3073% | 4,962 |
| Noninterest income to average assets | 0.0554% | 4,836 |
| Noninterest expense to average assets | 8.5327% | 87 |
| Loan and lease loss provision to assets | 1.0943% | 34 |
| Net operating income to assets | -8.6297% | 4,974 |
| Return on assets (ROA) | -8.6297% | 4,974 |
| Pretax return on assets | -9.2669% | 4,975 |
| Return on Equity (ROE) | -10.6124% | 4,939 |
| Retained earnings to average equity (ytd only) | -10.6124% | 4,823 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 2,369.2308% | 1 |
| Assets per employee ($millions) | 2.6252% | 4,868 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9990% | 3,840 |
| 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 | 27.1115% | 4,770 |
| Net loans and leases to deposits | 148.0802% | 21 |
| Net loans and leases to core deposits | 257.7873% | 24 |
| Total domestic deposits to total assets | 18.3087% | 4,955 |
| Equity capital to assets | 81.3173% | 20 |
| Core capital (leverage) ratio | 225.1294% | 1 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 248.1992% | 14 |
| Memoranda: | ||
| Average total assets | $28,877,000 | 4,878 |
| Average earning assets | $28,635,000 | 4,852 |
| Average equity | $23,482,000 | 2,962 |
| Average total loans | $7,908,000 | 4,891 |