Home > Scottsdale Community Bank > Performance and Condition Ratios
Scottsdale Community Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 3 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8292% | 1,433 |
| Cost of funding earning assets | 2.7155% | 583 |
| Net interest margin | 3.1137% | 3,195 |
| Noninterest income to average assets | 0.0600% | 4,268 |
| Noninterest expense to average assets | 3.6469% | 504 |
| Loan and lease loss provision to assets | 0.1800% | 680 |
| Net operating income to assets | -0.7192% | 4,343 |
| Return on assets (ROA) | -0.7192% | 4,374 |
| Pretax return on assets | -0.7192% | 4,362 |
| Return on Equity (ROE) | -4.3400% | 4,319 |
| Retained earnings to average equity (ytd only) | -4.3399% | 4,046 |
| 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 | 117.4551% | 134 |
| Assets per employee ($millions) | 6.8695% | 2,313 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1363% | 2,537 |
| 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 | 72.1900% | 1,574 |
| Net loans and leases to deposits | 90.3637% | 1,075 |
| Net loans and leases to core deposits | 121.3231% | 511 |
| Total domestic deposits to total assets | 79.8900% | 3,610 |
| Equity capital to assets | 15.8818% | 475 |
| Core capital (leverage) ratio | 18.0608% | 328 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $78,971,500 | 3,954 |
| Average earning assets | $77,335,000 | 3,902 |
| Average equity | $13,088,000 | 3,523 |
| Average total loans | $57,471,000 | 3,723 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 2 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9587% | 1,347 |
| Cost of funding earning assets | 2.6675% | 878 |
| Net interest margin | 3.2912% | 2,529 |
| Noninterest income to average assets | 0.0500% | 4,366 |
| Noninterest expense to average assets | 4.3414% | 312 |
| Loan and lease loss provision to assets | 0.3900% | 293 |
| Net operating income to assets | -1.4950% | 4,420 |
| Return on assets (ROA) | -1.4950% | 4,455 |
| Pretax return on assets | -1.4950% | 4,451 |
| Return on Equity (ROE) | -7.0200% | 4,385 |
| Retained earnings to average equity (ytd only) | -7.0178% | 4,347 |
| Net charge-offs to loans | 0.0000% | 3,099 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 134.0809% | 105 |
| Assets per employee ($millions) | 6.2924% | 2,655 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1854% | 2,243 |
| 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 | 71.6500% | 1,710 |
| Net loans and leases to deposits | 97.5812% | 616 |
| Net loans and leases to core deposits | 132.9173% | 332 |
| Total domestic deposits to total assets | 73.4200% | 4,090 |
| Equity capital to assets | 17.3277% | 376 |
| Core capital (leverage) ratio | 20.2035% | 245 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $63,343,000 | 4,106 |
| Average earning assets | $61,406,000 | 4,061 |
| Average equity | $13,494,200 | 3,470 |
| Average total loans | $44,394,400 | 3,901 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0233% | 1,224 |
| Cost of funding earning assets | 2.6834% | 864 |
| Net interest margin | 3.3399% | 2,367 |
| Noninterest income to average assets | 0.0500% | 4,386 |
| Noninterest expense to average assets | 4.5835% | 274 |
| Loan and lease loss provision to assets | 0.4600% | 200 |
| Net operating income to assets | -1.7644% | 4,467 |
| Return on assets (ROA) | -1.7644% | 4,499 |
| Pretax return on assets | -1.7644% | 4,494 |
| Return on Equity (ROE) | -7.8300% | 4,433 |
| Retained earnings to average equity (ytd only) | -7.8252% | 4,401 |
| Net charge-offs to loans | 0.0000% | 2,849 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 139.9730% | 95 |
| Assets per employee ($millions) | 5.8338% | 3,009 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2811% | 1,801 |
| 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 | 66.9300% | 2,215 |
| Net loans and leases to deposits | 88.3569% | 1,399 |
| Net loans and leases to core deposits | 119.0220% | 643 |
| Total domestic deposits to total assets | 75.7500% | 3,939 |
| Equity capital to assets | 19.1969% | 297 |
| Core capital (leverage) ratio | 21.9764% | 195 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $60,301,500 | 4,149 |
| Average earning assets | $58,283,750 | 4,110 |
| Average equity | $13,596,750 | 3,461 |
| Average total loans | $41,805,750 | 3,948 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 2 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9346% | 1,255 |
| Cost of funding earning assets | 2.6725% | 804 |
| Net interest margin | 3.2620% | 2,500 |
| Noninterest income to average assets | 0.0400% | 4,424 |
| Noninterest expense to average assets | 4.7874% | 250 |
| Loan and lease loss provision to assets | 0.6400% | 125 |
| Net operating income to assets | -2.2220% | 4,489 |
| Return on assets (ROA) | -2.2220% | 4,524 |
| Pretax return on assets | -2.2220% | 4,523 |
| Return on Equity (ROE) | -9.2900% | 4,456 |
| Retained earnings to average equity (ytd only) | -9.2898% | 4,423 |
| Net charge-offs to loans | 0.0000% | 2,619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 149.4530% | 82 |
| Assets per employee ($millions) | 5.1828% | 3,477 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3177% | 1,659 |
| 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 | 70.4400% | 1,852 |
| Net loans and leases to deposits | 110.2860% | 209 |
| Net loans and leases to core deposits | 127.5140% | 456 |
| Total domestic deposits to total assets | 63.8700% | 4,337 |
| Equity capital to assets | 21.5008% | 242 |
| Core capital (leverage) ratio | 25.1224% | 153 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $57,066,667 | 4,206 |
| Average earning assets | $55,303,000 | 4,161 |
| Average equity | $13,649,333 | 3,427 |
| Average total loans | $39,920,667 | 3,988 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8764% | 1,230 |
| Cost of funding earning assets | 2.5832% | 865 |
| Net interest margin | 3.2932% | 2,357 |
| Noninterest income to average assets | 0.0500% | 4,395 |
| Noninterest expense to average assets | 4.9318% | 235 |
| Loan and lease loss provision to assets | 0.7000% | 114 |
| Net operating income to assets | -2.3852% | 4,559 |
| Return on assets (ROA) | -2.3852% | 4,554 |
| Pretax return on assets | -2.3852% | 4,553 |
| Return on Equity (ROE) | -9.4300% | 4,479 |
| Retained earnings to average equity (ytd only) | -9.4285% | 4,293 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 151.6930% | 56 |
| Assets per employee ($millions) | 4.8232% | 3,759 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1984% | 2,295 |
| 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 | 71.3600% | 1,636 |
| Net loans and leases to deposits | 104.5168% | 322 |
| Net loans and leases to core deposits | 139.1879% | 279 |
| Total domestic deposits to total assets | 68.2800% | 4,336 |
| Equity capital to assets | 23.4856% | 206 |
| Core capital (leverage) ratio | 27.5339% | 131 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $54,503,500 | 4,255 |
| Average earning assets | $52,958,000 | 4,205 |
| Average equity | $13,788,000 | 3,430 |
| Average total loans | $37,683,500 | 4,035 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3178% | 1,464 |
| Cost of funding earning assets | 1.4360% | 2,123 |
| Net interest margin | 3.8819% | 1,412 |
| Noninterest income to average assets | 0.0300% | 4,476 |
| Noninterest expense to average assets | 6.3035% | 165 |
| Loan and lease loss provision to assets | 0.7000% | 114 |
| Net operating income to assets | -3.2908% | 4,582 |
| Return on assets (ROA) | -3.2908% | 4,579 |
| Pretax return on assets | -3.2908% | 4,578 |
| Return on Equity (ROE) | -9.5500% | 4,500 |
| Retained earnings to average equity (ytd only) | -9.5461% | 4,461 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 169.9552% | 27 |
| Assets per employee ($millions) | 4.6481% | 3,855 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2067% | 2,262 |
| 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 | 64.8500% | 2,379 |
| Net loans and leases to deposits | 108.3243% | 235 |
| Net loans and leases to core deposits | 124.7066% | 517 |
| Total domestic deposits to total assets | 59.8700% | 4,440 |
| Equity capital to assets | 27.3485% | 170 |
| Core capital (leverage) ratio | 31.8227% | 113 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $42,087,600 | 4,376 |
| Average earning assets | $39,903,600 | 4,346 |
| Average equity | $14,508,600 | 3,305 |
| Average total loans | $21,300,200 | 4,276 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1133% | 1,606 |
| Cost of funding earning assets | 1.0952% | 2,754 |
| Net interest margin | 4.0181% | 1,193 |
| Noninterest income to average assets | 0.0300% | 4,496 |
| Noninterest expense to average assets | 6.6887% | 153 |
| Loan and lease loss provision to assets | 0.8800% | 77 |
| Net operating income to assets | -3.7494% | 4,610 |
| Return on assets (ROA) | -3.7494% | 4,609 |
| Pretax return on assets | -3.7494% | 4,606 |
| Return on Equity (ROE) | -10.2000% | 4,543 |
| Retained earnings to average equity (ytd only) | -10.2001% | 4,504 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 175.2632% | 28 |
| Assets per employee ($millions) | 4.2663% | 4,060 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2366% | 2,184 |
| 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 | 63.6500% | 2,487 |
| Net loans and leases to deposits | 109.2978% | 216 |
| Net loans and leases to core deposits | 116.7892% | 643 |
| Total domestic deposits to total assets | 58.2300% | 4,471 |
| Equity capital to assets | 29.8131% | 161 |
| Core capital (leverage) ratio | 35.2398% | 106 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $39,827,250 | 4,411 |
| Average earning assets | $37,496,250 | 4,381 |
| Average equity | $14,640,000 | 3,295 |
| Average total loans | $18,234,750 | 4,339 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8181% | 1,958 |
| Cost of funding earning assets | 0.7812% | 3,264 |
| Net interest margin | 4.0369% | 1,184 |
| Noninterest income to average assets | 0.0300% | 4,529 |
| Noninterest expense to average assets | 6.9621% | 148 |
| Loan and lease loss provision to assets | 0.6500% | 108 |
| Net operating income to assets | -3.8014% | 4,640 |
| Return on assets (ROA) | -3.8014% | 4,640 |
| Pretax return on assets | -3.8014% | 4,637 |
| Return on Equity (ROE) | -9.5900% | 4,575 |
| Retained earnings to average equity (ytd only) | -9.5851% | 4,505 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 182.6331% | 25 |
| Assets per employee ($millions) | 3.6657% | 4,302 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1893% | 2,493 |
| 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 | 48.2100% | 3,671 |
| Net loans and leases to deposits | 86.2358% | 1,479 |
| Net loans and leases to core deposits | 92.3826% | 1,657 |
| Total domestic deposits to total assets | 55.9100% | 4,504 |
| Equity capital to assets | 35.9125% | 144 |
| Core capital (leverage) ratio | 41.2775% | 92 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $37,460,000 | 4,455 |
| Average earning assets | $35,076,000 | 4,426 |
| Average equity | $14,856,333 | 3,284 |
| Average total loans | $14,231,667 | 4,404 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4487% | 2,430 |
| Cost of funding earning assets | 0.6522% | 3,214 |
| Net interest margin | 3.7965% | 1,695 |
| Noninterest income to average assets | 0.0200% | 4,597 |
| Noninterest expense to average assets | 6.9945% | 150 |
| Loan and lease loss provision to assets | 0.5900% | 120 |
| Net operating income to assets | -3.9413% | 4,665 |
| Return on assets (ROA) | -3.9413% | 4,663 |
| Pretax return on assets | -3.9413% | 4,659 |
| Return on Equity (ROE) | -9.4400% | 4,594 |
| Retained earnings to average equity (ytd only) | -9.4390% | 4,464 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 192.0732% | 25 |
| Assets per employee ($millions) | 3.3329% | 4,448 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1898% | 2,609 |
| 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 | 37.3800% | 4,143 |
| Net loans and leases to deposits | 69.2455% | 2,678 |
| Net loans and leases to core deposits | 71.0405% | 2,880 |
| Total domestic deposits to total assets | 53.9800% | 4,566 |
| Equity capital to assets | 40.7997% | 97 |
| Core capital (leverage) ratio | 44.1050% | 92 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $36,028,500 | 4,532 |
| Average earning assets | $34,347,000 | 4,496 |
| Average equity | $15,044,000 | 3,301 |
| Average total loans | $11,510,000 | 4,509 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3093% | 4,565 |
| Cost of funding earning assets | 0.1948% | 3,802 |
| Net interest margin | 2.1146% | 4,517 |
| Noninterest income to average assets | 0.0100% | 4,654 |
| Noninterest expense to average assets | 8.4845% | 126 |
| Loan and lease loss provision to assets | 0.4200% | 157 |
| Net operating income to assets | -6.9046% | 4,713 |
| Return on assets (ROA) | -6.9046% | 4,713 |
| Pretax return on assets | -6.9046% | 4,713 |
| Return on Equity (ROE) | -11.6700% | 4,667 |
| Retained earnings to average equity (ytd only) | -11.6741% | 4,647 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 424.8134% | 11 |
| Assets per employee ($millions) | 3.5395% | 4,426 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2238% | 2,276 |
| 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 | 25.5400% | 4,485 |
| Net loans and leases to deposits | 49.0239% | 3,933 |
| Net loans and leases to core deposits | 51.2472% | 3,930 |
| Total domestic deposits to total assets | 52.1000% | 4,608 |
| Equity capital to assets | 42.7462% | 95 |
| Core capital (leverage) ratio | 49.8154% | 88 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $26,837,250 | 4,628 |
| Average earning assets | $25,159,000 | 4,595 |
| Average equity | $15,872,750 | 3,286 |
| Average total loans | $4,315,250 | 4,627 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7404% | 4,644 |
| Cost of funding earning assets | 0.1020% | 4,267 |
| Net interest margin | 1.6384% | 4,624 |
| Noninterest income to average assets | 0.0100% | 4,687 |
| Noninterest expense to average assets | 9.2890% | 113 |
| Loan and lease loss provision to assets | 0.4300% | 126 |
| Net operating income to assets | -8.1884% | 4,757 |
| Return on assets (ROA) | -8.1884% | 4,756 |
| Pretax return on assets | -8.1884% | 4,756 |
| Return on Equity (ROE) | -12.1800% | 4,709 |
| Retained earnings to average equity (ytd only) | -12.1831% | 4,690 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 607.6364% | 12 |
| Assets per employee ($millions) | 2.8422% | 4,586 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2600% | 2,215 |
| 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 | 21.2300% | 4,580 |
| Net loans and leases to deposits | 50.0083% | 3,853 |
| Net loans and leases to core deposits | 50.0083% | 3,949 |
| Total domestic deposits to total assets | 42.4500% | 4,665 |
| Equity capital to assets | 54.5915% | 80 |
| Core capital (leverage) ratio | 59.3237% | 80 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $23,984,667 | 4,687 |
| Average earning assets | $22,216,667 | 4,658 |
| Average equity | $16,120,333 | 3,302 |
| Average total loans | $2,703,000 | 4,670 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.1089% | 4,732 |
| Cost of funding earning assets | 0.0302% | 4,690 |
| Net interest margin | 1.0787% | 4,725 |
| Noninterest income to average assets | 0.0000% | 4,732 |
| Noninterest expense to average assets | 9.9699% | 72 |
| Loan and lease loss provision to assets | 0.2205% | 358 |
| Net operating income to assets | -9.2072% | 4,761 |
| Return on assets (ROA) | -9.2072% | 4,761 |
| Pretax return on assets | -9.2072% | 4,760 |
| Return on Equity (ROE) | -12.2028% | 4,733 |
| Retained earnings to average equity (ytd only) | -12.2028% | 4,688 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 1,014.0187% | 9 |
| Assets per employee ($millions) | 2.4316% | 4,673 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2012% | 2,671 |
| 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 | 8.1181% | 4,716 |
| Net loans and leases to deposits | 26.7952% | 4,602 |
| Net loans and leases to core deposits | 26.7952% | 4,615 |
| Total domestic deposits to total assets | 30.2969% | 4,743 |
| Equity capital to assets | 65.9113% | 34 |
| Core capital (leverage) ratio | 92.0808% | 18 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $21,765,500 | 4,735 |
| Average earning assets | $19,839,500 | 4,723 |
| Average equity | $16,422,500 | 3,367 |
| Average total loans | $999,000 | 4,736 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.8381% | 4,766 |
| Cost of funding earning assets | 0.0000% | 4,770 |
| Net interest margin | 0.8381% | 4,763 |
| Noninterest income to average assets | 0.0000% | 4,754 |
| Noninterest expense to average assets | 9.7840% | 73 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | -9.0138% | 4,790 |
| Return on assets (ROA) | -9.0138% | 4,790 |
| Pretax return on assets | -9.0138% | 4,790 |
| Return on Equity (ROE) | -10.2985% | 4,745 |
| Retained earnings to average equity (ytd only) | -10.2985% | 4,568 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 1,270.2703% | 4 |
| Assets per employee ($millions) | 2.1350% | 4,716 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| 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% | 4,139 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 4,768 |
| Net loans and leases to deposits | 0.0000% | 4,768 |
| Net loans and leases to core deposits | 0.0000% | 4,758 |
| Total domestic deposits to total assets | 7.7960% | 4,781 |
| Equity capital to assets | 87.5254% | 17 |
| Core capital (leverage) ratio | 120.8277% | 2 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $19,215,000 | 4,766 |
| Average earning assets | $17,660,000 | 4,754 |
| Average equity | $16,818,000 | 3,414 |
| Average total loans | NA | NA |