Home > RockPointBank > Performance and Condition Ratios
RockPointBank, 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 | 5.6181% | 1,837 |
| Cost of funding earning assets | 2.8177% | 474 |
| Net interest margin | 2.8004% | 3,703 |
| Noninterest income to average assets | 0.1200% | 4,037 |
| Noninterest expense to average assets | 2.3179% | 2,802 |
| Loan and lease loss provision to assets | 0.1200% | 1,082 |
| Net operating income to assets | 0.3414% | 3,811 |
| Return on assets (ROA) | 0.3414% | 3,834 |
| Pretax return on assets | 0.3682% | 3,869 |
| Return on Equity (ROE) | 2.7600% | 3,898 |
| Retained earnings to average equity (ytd only) | 2.7614% | 3,149 |
| 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 | 82.7099% | 790 |
| Assets per employee ($millions) | 10.6297% | 652 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9219% | 3,546 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,773 |
| 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 | 78.7300% | 741 |
| Net loans and leases to deposits | 93.9393% | 766 |
| Net loans and leases to core deposits | 112.8038% | 761 |
| Total domestic deposits to total assets | 83.8100% | 2,946 |
| Equity capital to assets | 12.2621% | 1,140 |
| Core capital (leverage) ratio | 13.0369% | 1,072 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0022% | 1,070 |
| Memoranda: | ||
| Average total assets | $312,874,000 | 2,425 |
| Average earning assets | $299,533,000 | 2,373 |
| Average equity | $38,676,000 | 2,082 |
| Average total loans | $249,206,500 | 2,121 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7501% | 1,667 |
| Cost of funding earning assets | 3.2867% | 287 |
| Net interest margin | 2.4634% | 3,941 |
| Noninterest income to average assets | 0.1800% | 3,818 |
| Noninterest expense to average assets | 2.1454% | 3,270 |
| Loan and lease loss provision to assets | 0.1400% | 990 |
| Net operating income to assets | 0.2241% | 3,946 |
| Return on assets (ROA) | 0.2241% | 3,973 |
| Pretax return on assets | 0.2416% | 3,993 |
| Return on Equity (ROE) | 1.6300% | 4,040 |
| Retained earnings to average equity (ytd only) | 1.6257% | 3,501 |
| Net charge-offs to loans | 0.0000% | 3,099 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 84.9250% | 737 |
| Assets per employee ($millions) | 11.3650% | 517 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9134% | 3,602 |
| 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 | 79.1200% | 764 |
| Net loans and leases to deposits | 94.9226% | 787 |
| Net loans and leases to core deposits | 112.6174% | 829 |
| Total domestic deposits to total assets | 83.3500% | 2,947 |
| Equity capital to assets | 12.4648% | 1,035 |
| Core capital (leverage) ratio | 13.0017% | 1,057 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2343% | 1,013 |
| Memoranda: | ||
| Average total assets | $274,403,200 | 2,573 |
| Average earning assets | $261,264,000 | 2,540 |
| Average equity | $37,830,000 | 2,063 |
| Average total loans | $221,132,600 | 2,237 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6679% | 1,772 |
| Cost of funding earning assets | 3.3270% | 283 |
| Net interest margin | 2.3409% | 4,049 |
| Noninterest income to average assets | 0.1800% | 3,801 |
| Noninterest expense to average assets | 2.1565% | 3,197 |
| Loan and lease loss provision to assets | 0.2000% | 591 |
| Net operating income to assets | 0.0556% | 4,167 |
| Return on assets (ROA) | 0.0556% | 4,200 |
| Pretax return on assets | 0.0556% | 4,193 |
| Return on Equity (ROE) | 0.3900% | 4,203 |
| Retained earnings to average equity (ytd only) | 0.3923% | 3,879 |
| Net charge-offs to loans | 0.0000% | 2,849 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 89.5240% | 557 |
| Assets per employee ($millions) | 11.4412% | 492 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9501% | 3,479 |
| 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 | 79.9000% | 645 |
| Net loans and leases to deposits | 96.5870% | 679 |
| Net loans and leases to core deposits | 112.4526% | 846 |
| Total domestic deposits to total assets | 82.7300% | 2,922 |
| Equity capital to assets | 12.9572% | 974 |
| Core capital (leverage) ratio | 13.2773% | 1,004 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3053% | 1,037 |
| Memoranda: | ||
| Average total assets | $266,290,000 | 2,610 |
| Average earning assets | $253,234,500 | 2,577 |
| Average equity | $37,725,250 | 2,068 |
| Average total loans | $215,162,250 | 2,261 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 2 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4588% | 2,045 |
| Cost of funding earning assets | 3.2287% | 311 |
| Net interest margin | 2.2301% | 4,140 |
| Noninterest income to average assets | 0.2000% | 3,684 |
| Noninterest expense to average assets | 2.2134% | 3,036 |
| Loan and lease loss provision to assets | 0.2400% | 441 |
| Net operating income to assets | -0.1430% | 4,327 |
| Return on assets (ROA) | -0.1430% | 4,348 |
| Pretax return on assets | -0.1430% | 4,330 |
| Return on Equity (ROE) | -0.9800% | 4,308 |
| Retained earnings to average equity (ytd only) | -0.9772% | 4,052 |
| Net charge-offs to loans | 0.0000% | 2,619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 95.6757% | 385 |
| Assets per employee ($millions) | 10.9258% | 556 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9680% | 3,436 |
| 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 | 80.1300% | 660 |
| Net loans and leases to deposits | 97.3152% | 698 |
| Net loans and leases to core deposits | 111.2497% | 925 |
| Total domestic deposits to total assets | 82.3400% | 3,007 |
| Equity capital to assets | 13.1897% | 825 |
| Core capital (leverage) ratio | 14.4958% | 708 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7944% | 958 |
| Memoranda: | ||
| Average total assets | $255,896,333 | 2,666 |
| Average earning assets | $242,946,667 | 2,629 |
| Average equity | $37,452,333 | 2,041 |
| Average total loans | $206,892,667 | 2,304 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3237% | 2,149 |
| Cost of funding earning assets | 3.1509% | 331 |
| Net interest margin | 2.1728% | 4,205 |
| Noninterest income to average assets | 0.1800% | 3,777 |
| Noninterest expense to average assets | 2.3738% | 2,588 |
| Loan and lease loss provision to assets | 0.0600% | 1,561 |
| Net operating income to assets | -0.1968% | 4,377 |
| Return on assets (ROA) | -0.1968% | 4,363 |
| Pretax return on assets | -0.1968% | 4,346 |
| Return on Equity (ROE) | -1.2700% | 4,314 |
| Retained earnings to average equity (ytd only) | -1.2712% | 3,864 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 106.0606% | 225 |
| Assets per employee ($millions) | 9.9163% | 758 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9419% | 3,554 |
| 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 | 78.4400% | 794 |
| Net loans and leases to deposits | 97.4050% | 631 |
| Net loans and leases to core deposits | 112.7577% | 848 |
| Total domestic deposits to total assets | 80.5300% | 3,453 |
| Equity capital to assets | 14.4836% | 606 |
| Core capital (leverage) ratio | 16.1028% | 470 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3620% | 762 |
| Memoranda: | ||
| Average total assets | $241,809,000 | 2,748 |
| Average earning assets | $229,012,500 | 2,711 |
| Average equity | $37,444,500 | 2,039 |
| Average total loans | $195,412,500 | 2,381 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4951% | 3,108 |
| Cost of funding earning assets | 2.4026% | 458 |
| Net interest margin | 2.0925% | 4,377 |
| Noninterest income to average assets | 0.1700% | 3,940 |
| Noninterest expense to average assets | 2.7124% | 1,702 |
| Loan and lease loss provision to assets | 0.3000% | 363 |
| Net operating income to assets | -0.8777% | 4,529 |
| Return on assets (ROA) | -1.2599% | 4,538 |
| Pretax return on assets | -1.2599% | 4,534 |
| Return on Equity (ROE) | -8.8800% | 4,494 |
| Retained earnings to average equity (ytd only) | -8.8843% | 4,452 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 126.8282% | 69 |
| Assets per employee ($millions) | 8.6844% | 1,114 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9836% | 3,396 |
| 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 | 81.8600% | 447 |
| Net loans and leases to deposits | 100.2457% | 525 |
| Net loans and leases to core deposits | 115.8393% | 749 |
| Total domestic deposits to total assets | 81.6500% | 3,191 |
| Equity capital to assets | 16.6288% | 412 |
| Core capital (leverage) ratio | 17.4467% | 373 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.7208% | 630 |
| Memoranda: | ||
| Average total assets | $204,619,000 | 2,960 |
| Average earning assets | $192,831,200 | 2,926 |
| Average equity | $29,017,600 | 2,313 |
| Average total loans | $151,712,800 | 2,659 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2695% | 3,343 |
| Cost of funding earning assets | 2.1810% | 515 |
| Net interest margin | 2.0886% | 4,415 |
| Noninterest income to average assets | 0.1700% | 3,949 |
| Noninterest expense to average assets | 2.7733% | 1,490 |
| Loan and lease loss provision to assets | 0.3700% | 231 |
| Net operating income to assets | -1.0087% | 4,569 |
| Return on assets (ROA) | -1.2495% | 4,573 |
| Pretax return on assets | -1.2495% | 4,566 |
| Return on Equity (ROE) | -9.2600% | 4,538 |
| Retained earnings to average equity (ytd only) | -9.2638% | 4,497 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 129.8465% | 63 |
| Assets per employee ($millions) | 8.0107% | 1,341 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0950% | 2,887 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 76.5100% | 1,061 |
| Net loans and leases to deposits | 96.4240% | 726 |
| Net loans and leases to core deposits | 111.8062% | 805 |
| Total domestic deposits to total assets | 79.3500% | 3,629 |
| Equity capital to assets | 17.0550% | 393 |
| Core capital (leverage) ratio | 18.8114% | 307 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.0236% | 551 |
| Memoranda: | ||
| Average total assets | $199,325,000 | 3,001 |
| Average earning assets | $187,619,250 | 2,974 |
| Average equity | $26,885,250 | 2,403 |
| Average total loans | $142,975,750 | 2,737 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0202% | 3,641 |
| Cost of funding earning assets | 1.9821% | 513 |
| Net interest margin | 2.0381% | 4,484 |
| Noninterest income to average assets | 0.1800% | 3,893 |
| Noninterest expense to average assets | 2.9576% | 1,111 |
| Loan and lease loss provision to assets | 0.3700% | 233 |
| Net operating income to assets | -1.2320% | 4,610 |
| Return on assets (ROA) | -1.6038% | 4,617 |
| Pretax return on assets | -1.6038% | 4,609 |
| Return on Equity (ROE) | -13.1900% | 4,591 |
| Retained earnings to average equity (ytd only) | -13.1884% | 4,547 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 141.2229% | 46 |
| Assets per employee ($millions) | 7.2821% | 1,728 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1413% | 2,748 |
| 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 | 74.2700% | 1,253 |
| Net loans and leases to deposits | 88.9020% | 1,271 |
| Net loans and leases to core deposits | 98.4388% | 1,321 |
| Total domestic deposits to total assets | 83.5400% | 2,926 |
| Equity capital to assets | 13.6885% | 682 |
| Core capital (leverage) ratio | 15.1546% | 575 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2616% | 921 |
| Memoranda: | ||
| Average total assets | $193,670,333 | 3,043 |
| Average earning assets | $182,029,667 | 3,014 |
| Average equity | $23,551,000 | 2,595 |
| Average total loans | $134,863,333 | 2,823 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7690% | 3,909 |
| Cost of funding earning assets | 1.8413% | 421 |
| Net interest margin | 1.9277% | 4,580 |
| Noninterest income to average assets | 0.2100% | 3,716 |
| Noninterest expense to average assets | 2.9241% | 1,187 |
| Loan and lease loss provision to assets | 0.2400% | 401 |
| Net operating income to assets | -1.1467% | 4,630 |
| Return on assets (ROA) | -1.1467% | 4,624 |
| Pretax return on assets | -1.1467% | 4,616 |
| Return on Equity (ROE) | -10.0800% | 4,597 |
| Retained earnings to average equity (ytd only) | -10.0780% | 4,477 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 144.9948% | 44 |
| Assets per employee ($millions) | 6.8934% | 2,050 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0765% | 3,167 |
| 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 | 68.5600% | 1,780 |
| Net loans and leases to deposits | 79.6239% | 1,843 |
| Net loans and leases to core deposits | 87.2694% | 1,785 |
| Total domestic deposits to total assets | 86.1000% | 2,554 |
| Equity capital to assets | 11.2322% | 1,257 |
| Core capital (leverage) ratio | 12.9519% | 999 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3752% | 1,294 |
| Memoranda: | ||
| Average total assets | $192,196,500 | 3,087 |
| Average earning assets | $180,524,000 | 3,062 |
| Average equity | $21,869,500 | 2,731 |
| Average total loans | $128,435,000 | 2,906 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0385% | 4,088 |
| Cost of funding earning assets | 0.7800% | 421 |
| Net interest margin | 2.2585% | 4,451 |
| Noninterest income to average assets | 0.1800% | 4,071 |
| Noninterest expense to average assets | 3.4551% | 509 |
| Loan and lease loss provision to assets | 0.4200% | 157 |
| Net operating income to assets | -1.6158% | 4,681 |
| Return on assets (ROA) | -1.6158% | 4,677 |
| Pretax return on assets | -1.6158% | 4,671 |
| Return on Equity (ROE) | -9.9100% | 4,661 |
| Retained earnings to average equity (ytd only) | -9.9055% | 4,630 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 152.8433% | 37 |
| Assets per employee ($millions) | 7.0880% | 1,901 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9951% | 3,418 |
| 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 | 63.6800% | 2,271 |
| Net loans and leases to deposits | 73.2403% | 2,311 |
| Net loans and leases to core deposits | 79.0194% | 2,198 |
| Total domestic deposits to total assets | 86.9500% | 2,405 |
| Equity capital to assets | 11.5265% | 1,076 |
| Core capital (leverage) ratio | 13.7289% | 767 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6340% | 1,032 |
| Memoranda: | ||
| Average total assets | $146,246,000 | 3,479 |
| Average earning assets | $134,736,000 | 3,476 |
| Average equity | $23,855,400 | 2,649 |
| Average total loans | $97,032,800 | 3,192 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8116% | 4,181 |
| Cost of funding earning assets | 0.4717% | 872 |
| Net interest margin | 2.3400% | 4,381 |
| Noninterest income to average assets | 0.1800% | 4,105 |
| Noninterest expense to average assets | 3.8416% | 364 |
| Loan and lease loss provision to assets | 0.4700% | 112 |
| Net operating income to assets | -1.9885% | 4,733 |
| Return on assets (ROA) | -1.9885% | 4,729 |
| Pretax return on assets | -1.9885% | 4,721 |
| Return on Equity (ROE) | -11.0400% | 4,704 |
| Retained earnings to average equity (ytd only) | -11.0380% | 4,685 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 165.6303% | 34 |
| Assets per employee ($millions) | 6.2696% | 2,517 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9885% | 3,541 |
| 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 | 63.9600% | 2,092 |
| Net loans and leases to deposits | 74.8971% | 1,967 |
| Net loans and leases to core deposits | 78.8027% | 1,987 |
| Total domestic deposits to total assets | 85.4000% | 3,199 |
| Equity capital to assets | 12.8279% | 707 |
| Core capital (leverage) ratio | 16.1092% | 436 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5552% | 779 |
| Memoranda: | ||
| Average total assets | $134,974,250 | 3,609 |
| Average earning assets | $123,531,000 | 3,608 |
| Average equity | $24,315,500 | 2,666 |
| Average total loans | $90,521,250 | 3,291 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6211% | 4,253 |
| Cost of funding earning assets | 0.3225% | 1,508 |
| Net interest margin | 2.2986% | 4,337 |
| Noninterest income to average assets | 0.1943% | 4,029 |
| Noninterest expense to average assets | 4.2626% | 243 |
| Loan and lease loss provision to assets | 0.6443% | 76 |
| Net operating income to assets | -2.6243% | 4,743 |
| Return on assets (ROA) | -2.6243% | 4,740 |
| Pretax return on assets | -2.6243% | 4,735 |
| Return on Equity (ROE) | -12.8741% | 4,736 |
| Retained earnings to average equity (ytd only) | -12.8741% | 4,692 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 186.7376% | 25 |
| Assets per employee ($millions) | 5.3057% | 3,423 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9986% | 3,600 |
| 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 | 72.3684% | 1,065 |
| Net loans and leases to deposits | 92.0635% | 607 |
| Net loans and leases to core deposits | 96.8415% | 798 |
| Total domestic deposits to total assets | 78.6070% | 4,319 |
| Equity capital to assets | 17.0297% | 278 |
| Core capital (leverage) ratio | 18.6434% | 244 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.1456% | 521 |
| Memoranda: | ||
| Average total assets | $123,539,333 | 3,768 |
| Average earning assets | $112,241,667 | 3,782 |
| Average equity | $25,182,333 | 2,671 |
| Average total loans | $84,242,000 | 3,397 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2999% | 4,456 |
| Cost of funding earning assets | 0.2657% | 1,971 |
| Net interest margin | 2.0342% | 4,489 |
| Noninterest income to average assets | 0.1719% | 4,136 |
| Noninterest expense to average assets | 4.4148% | 216 |
| Loan and lease loss provision to assets | 0.9249% | 44 |
| Net operating income to assets | -3.3249% | 4,777 |
| Return on assets (ROA) | -3.3249% | 4,776 |
| Pretax return on assets | -3.3249% | 4,771 |
| Return on Equity (ROE) | -14.8612% | 4,764 |
| Retained earnings to average equity (ytd only) | -14.8612% | 4,641 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 219.1126% | 20 |
| Assets per employee ($millions) | 4.9422% | 3,799 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9770% | 3,808 |
| 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 | 69.2556% | 1,088 |
| Net loans and leases to deposits | 95.5321% | 295 |
| Net loans and leases to core deposits | 101.3472% | 462 |
| Total domestic deposits to total assets | 72.4945% | 4,613 |
| Equity capital to assets | 19.4042% | 177 |
| Core capital (leverage) ratio | 22.2915% | 123 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.6493% | 393 |
| Memoranda: | ||
| Average total assets | $116,335,500 | 3,849 |
| Average earning assets | $105,397,500 | 3,868 |
| Average equity | $26,027,500 | 2,716 |
| Average total loans | $75,944,500 | 3,525 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.1062% | 4,780 |
| Cost of funding earning assets | 0.1953% | 3,522 |
| Net interest margin | 0.9109% | 4,786 |
| Noninterest income to average assets | 0.0603% | 4,706 |
| Noninterest expense to average assets | 5.4014% | 151 |
| Loan and lease loss provision to assets | 0.7980% | 54 |
| Net operating income to assets | -5.2835% | 4,830 |
| Return on assets (ROA) | -5.2835% | 4,830 |
| Pretax return on assets | -5.2835% | 4,829 |
| Return on Equity (ROE) | -14.0342% | 4,820 |
| Retained earnings to average equity (ytd only) | -14.0342% | 4,794 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 589.6996% | 7 |
| Assets per employee ($millions) | 4.0085% | 4,420 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9820% | 3,820 |
| 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 | 58.9229% | 2,278 |
| Net loans and leases to deposits | 80.2305% | 1,197 |
| Net loans and leases to core deposits | 86.2476% | 1,189 |
| Total domestic deposits to total assets | 73.4420% | 4,604 |
| Equity capital to assets | 26.0686% | 85 |
| Core capital (leverage) ratio | 28.1970% | 70 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 36.5263% | 151 |
| Memoranda: | ||
| Average total assets | $76,313,000 | 4,264 |
| Average earning assets | $71,684,000 | 4,240 |
| Average equity | $28,729,750 | 2,609 |
| Average total loans | $31,303,000 | 4,355 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.7499% | 4,883 |
| Cost of funding earning assets | 0.1828% | 3,783 |
| Net interest margin | 0.5671% | 4,888 |
| Noninterest income to average assets | 0.0060% | 4,870 |
| Noninterest expense to average assets | 5.7403% | 134 |
| Loan and lease loss provision to assets | 0.8820% | 48 |
| Net operating income to assets | -6.0725% | 4,906 |
| Return on assets (ROA) | -6.0725% | 4,906 |
| Pretax return on assets | -6.0725% | 4,905 |
| Return on Equity (ROE) | -13.9119% | 4,891 |
| Retained earnings to average equity (ytd only) | -13.9119% | 4,865 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 1,045.2899% | 6 |
| Assets per employee ($millions) | 3.5443% | 4,632 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0090% | 3,811 |
| 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 | 49.0497% | 3,520 |
| Net loans and leases to deposits | 72.4041% | 2,009 |
| Net loans and leases to core deposits | 72.8165% | 2,338 |
| Total domestic deposits to total assets | 67.7444% | 4,780 |
| Equity capital to assets | 31.8019% | 56 |
| Core capital (leverage) ratio | 35.9714% | 51 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 56.8674% | 60 |
| Memoranda: | ||
| Average total assets | $67,010,333 | 4,427 |
| Average earning assets | $64,182,667 | 4,391 |
| Average equity | $29,250,000 | 2,614 |
| Average total loans | $21,064,333 | 4,612 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.3728% | 4,939 |
| Cost of funding earning assets | 0.1305% | 4,348 |
| Net interest margin | 0.2423% | 4,940 |
| Noninterest income to average assets | 0.0071% | 4,906 |
| Noninterest expense to average assets | 6.4720% | 112 |
| Loan and lease loss provision to assets | 0.7187% | 57 |
| Net operating income to assets | -6.9523% | 4,944 |
| Return on assets (ROA) | -6.9523% | 4,943 |
| Pretax return on assets | -6.9523% | 4,943 |
| Return on Equity (ROE) | -13.1205% | 4,924 |
| Retained earnings to average equity (ytd only) | -13.1205% | 4,891 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 2,714.9254% | 3 |
| Assets per employee ($millions) | 3.2707% | 4,734 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0474% | 3,639 |
| 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 | 26.5207% | 4,737 |
| Net loans and leases to deposits | 44.9456% | 4,352 |
| Net loans and leases to core deposits | 44.9456% | 4,432 |
| Total domestic deposits to total assets | 59.0063% | 4,875 |
| Equity capital to assets | 40.6407% | 42 |
| Core capital (leverage) ratio | 49.9121% | 35 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 116.7804% | 26 |
| Memoranda: | ||
| Average total assets | $56,211,500 | 4,582 |
| Average earning assets | $53,654,500 | 4,554 |
| Average equity | $29,785,500 | 2,569 |
| Average total loans | $9,644,000 | 4,843 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.0420% | 4,975 |
| Cost of funding earning assets | 0.0420% | 4,891 |
| Net interest margin | 0.0000% | 4,972 |
| Noninterest income to average assets | 0.0000% | 4,935 |
| Noninterest expense to average assets | 8.1645% | 90 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | -8.1645% | 4,973 |
| Return on assets (ROA) | -8.1645% | 4,973 |
| Pretax return on assets | -8.1645% | 4,973 |
| Return on Equity (ROE) | -10.8942% | 4,941 |
| Retained earnings to average equity (ytd only) | -10.8942% | 4,829 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | NA | NA |
| Assets per employee ($millions) | 1.9270% | 4,907 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,931 |
| 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 | 0.0074% | 4,949 |
| Net loans and leases to deposits | 0.0307% | 4,949 |
| Net loans and leases to core deposits | 0.0307% | 4,938 |
| Total domestic deposits to total assets | 24.1277% | 4,953 |
| Equity capital to assets | 74.9432% | 24 |
| Core capital (leverage) ratio | 93.1335% | 13 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 2,223.4604% | 3 |
| Memoranda: | ||
| Average total assets | $40,468,000 | 4,780 |
| Average earning assets | $38,086,000 | 4,752 |
| Average equity | $30,328,000 | 2,517 |
| Average total loans | $3,000 | 4,949 |