Home > Square Financial Services, Inc. > Performance and Condition Ratios
Square Financial Services, Inc., 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 | 16.8641% | 53 |
| Cost of funding earning assets | 0.5921% | 4,250 |
| Net interest margin | 16.2720% | 7 |
| Noninterest income to average assets | 32.3600% | 68 |
| Noninterest expense to average assets | 16.0689% | 81 |
| Loan and lease loss provision to assets | 3.2000% | 21 |
| Net operating income to assets | 21.5046% | 24 |
| Return on assets (ROA) | 21.5046% | 24 |
| Pretax return on assets | 28.4506% | 24 |
| Return on Equity (ROE) | 33.8200% | 79 |
| Retained earnings to average equity (ytd only) | 33.8181% | 31 |
| Net charge-offs to loans | 3.8440% | 50 |
| Credit loss provision to net charge-offs | 175.3264% | 959 |
| Earnings coverage of net charge-offs (x) | 17.3469% | 1,482 |
| Efficiency ratio | 33.6745% | 4,373 |
| Assets per employee ($millions) | 7.3668% | 1,971 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4694% | 69 |
| Loan loss allowance to noncurrent loans | 282.5336% | 1,725 |
| Noncurrent assets plus other real estate owned to assets | 0.9225% | 786 |
| Noncurrent loans to loans | 1.9358% | 447 |
| Net loans and leases to total assets | 45.0500% | 3,794 |
| Net loans and leases to deposits | 138.6795% | 36 |
| Net loans and leases to core deposits | 138.6795% | 229 |
| Total domestic deposits to total assets | 32.4800% | 4,348 |
| Equity capital to assets | 63.6271% | 120 |
| Core capital (leverage) ratio | 67.2034% | 73 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 122.5074% | 60 |
| Memoranda: | ||
| Average total assets | $973,856,500 | 1,048 |
| Average earning assets | $919,395,500 | 1,031 |
| Average equity | $619,266,500 | 247 |
| Average total loans | $462,229,000 | 1,392 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 16.6687% | 54 |
| Cost of funding earning assets | 0.7935% | 4,175 |
| Net interest margin | 15.8753% | 7 |
| Noninterest income to average assets | 34.7500% | 69 |
| Noninterest expense to average assets | 17.6587% | 80 |
| Loan and lease loss provision to assets | 3.6600% | 14 |
| Net operating income to assets | 20.7619% | 23 |
| Return on assets (ROA) | 20.7619% | 23 |
| Pretax return on assets | 28.3806% | 22 |
| Return on Equity (ROE) | 33.5500% | 76 |
| Retained earnings to average equity (ytd only) | 33.5536% | 13 |
| Net charge-offs to loans | 7.0400% | 34 |
| Credit loss provision to net charge-offs | 125.1480% | 1,609 |
| Earnings coverage of net charge-offs (x) | 10.9575% | 2,237 |
| Efficiency ratio | 35.5320% | 4,376 |
| Assets per employee ($millions) | 6.7963% | 2,302 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2612% | 76 |
| Loan loss allowance to noncurrent loans | 385.1273% | 1,434 |
| Noncurrent assets plus other real estate owned to assets | 0.6456% | 1,126 |
| Noncurrent loans to loans | 1.3661% | 725 |
| Net loans and leases to total assets | 44.7700% | 3,858 |
| Net loans and leases to deposits | 139.7529% | 31 |
| Net loans and leases to core deposits | 139.7529% | 248 |
| Total domestic deposits to total assets | 32.0400% | 4,370 |
| Equity capital to assets | 63.5476% | 122 |
| Core capital (leverage) ratio | 64.7495% | 72 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 125.8000% | 60 |
| Memoranda: | ||
| Average total assets | $808,904,800 | 1,209 |
| Average earning assets | $761,707,000 | 1,193 |
| Average equity | $500,524,400 | 285 |
| Average total loans | $335,963,800 | 1,732 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 16.1815% | 55 |
| Cost of funding earning assets | 0.7894% | 4,204 |
| Net interest margin | 15.3921% | 7 |
| Noninterest income to average assets | 36.2000% | 66 |
| Noninterest expense to average assets | 17.8803% | 74 |
| Loan and lease loss provision to assets | 3.1600% | 16 |
| Net operating income to assets | 21.8832% | 23 |
| Return on assets (ROA) | 21.8832% | 24 |
| Pretax return on assets | 29.6047% | 20 |
| Return on Equity (ROE) | 35.6500% | 67 |
| Retained earnings to average equity (ytd only) | 35.6536% | 19 |
| Net charge-offs to loans | 7.5636% | 28 |
| Credit loss provision to net charge-offs | 104.9025% | 1,616 |
| Earnings coverage of net charge-offs (x) | 10.8782% | 2,095 |
| Efficiency ratio | 35.3055% | 4,405 |
| Assets per employee ($millions) | 6.5340% | 2,481 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4922% | 75 |
| Loan loss allowance to noncurrent loans | 291.2609% | 1,769 |
| Noncurrent assets plus other real estate owned to assets | 0.7031% | 1,018 |
| Noncurrent loans to loans | 1.8857% | 426 |
| Net loans and leases to total assets | 35.2400% | 4,154 |
| Net loans and leases to deposits | 106.6889% | 244 |
| Net loans and leases to core deposits | 106.6889% | 1,096 |
| Total domestic deposits to total assets | 33.0300% | 4,403 |
| Equity capital to assets | 62.1229% | 117 |
| Core capital (leverage) ratio | 66.1984% | 73 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 155.6396% | 49 |
| Memoranda: | ||
| Average total assets | $778,356,750 | 1,239 |
| Average earning assets | $730,537,750 | 1,231 |
| Average equity | $477,733,000 | 288 |
| Average total loans | $309,950,750 | 1,816 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 16.4841% | 55 |
| Cost of funding earning assets | 0.7813% | 4,198 |
| Net interest margin | 15.7027% | 7 |
| Noninterest income to average assets | 38.2600% | 64 |
| Noninterest expense to average assets | 18.7053% | 75 |
| Loan and lease loss provision to assets | 3.3100% | 13 |
| Net operating income to assets | 22.7568% | 21 |
| Return on assets (ROA) | 22.7568% | 22 |
| Pretax return on assets | 30.8414% | 19 |
| Return on Equity (ROE) | 37.2600% | 75 |
| Retained earnings to average equity (ytd only) | 37.2559% | 22 |
| Net charge-offs to loans | 8.2382% | 28 |
| Credit loss provision to net charge-offs | 98.4569% | 1,515 |
| Earnings coverage of net charge-offs (x) | 10.1551% | 1,991 |
| Efficiency ratio | 35.3879% | 4,424 |
| Assets per employee ($millions) | 6.2777% | 2,578 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6409% | 74 |
| Loan loss allowance to noncurrent loans | 261.8227% | 1,979 |
| Noncurrent assets plus other real estate owned to assets | 0.7960% | 819 |
| Noncurrent loans to loans | 2.1545% | 335 |
| Net loans and leases to total assets | 34.8600% | 4,179 |
| Net loans and leases to deposits | 111.1627% | 193 |
| Net loans and leases to core deposits | 111.1627% | 928 |
| Total domestic deposits to total assets | 31.3600% | 4,423 |
| Equity capital to assets | 61.4212% | 122 |
| Core capital (leverage) ratio | 67.4878% | 71 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 149.1698% | 51 |
| Memoranda: | ||
| Average total assets | $743,779,000 | 1,278 |
| Average earning assets | $691,638,000 | 1,277 |
| Average equity | $454,317,333 | 302 |
| Average total loans | $303,633,667 | 1,835 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 17.2837% | 54 |
| Cost of funding earning assets | 0.7935% | 4,177 |
| Net interest margin | 16.4902% | 8 |
| Noninterest income to average assets | 37.2200% | 65 |
| Noninterest expense to average assets | 18.7248% | 79 |
| Loan and lease loss provision to assets | 3.2200% | 16 |
| Net operating income to assets | 22.6156% | 21 |
| Return on assets (ROA) | 22.6156% | 21 |
| Pretax return on assets | 30.5611% | 18 |
| Return on Equity (ROE) | 37.1400% | 83 |
| Retained earnings to average equity (ytd only) | 37.1436% | 41 |
| Net charge-offs to loans | 5.9561% | 18 |
| Credit loss provision to net charge-offs | 125.5235% | 1,026 |
| Earnings coverage of net charge-offs (x) | 13.1715% | 1,527 |
| Efficiency ratio | 35.6628% | 4,417 |
| Assets per employee ($millions) | 5.9004% | 2,921 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.9338% | 31 |
| Loan loss allowance to noncurrent loans | 1,068.6263% | 791 |
| Noncurrent assets plus other real estate owned to assets | 0.2329% | 2,191 |
| Noncurrent loans to loans | 0.5553% | 1,534 |
| Net loans and leases to total assets | 39.4600% | 4,037 |
| Net loans and leases to deposits | 126.9263% | 45 |
| Net loans and leases to core deposits | 126.9263% | 465 |
| Total domestic deposits to total assets | 31.0900% | 4,479 |
| Equity capital to assets | 61.3183% | 119 |
| Core capital (leverage) ratio | 67.3226% | 72 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 134.5043% | 57 |
| Memoranda: | ||
| Average total assets | $707,619,000 | 1,334 |
| Average earning assets | $655,830,000 | 1,332 |
| Average equity | $430,847,000 | 316 |
| Average total loans | $304,695,500 | 1,830 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 17.7218% | 53 |
| Cost of funding earning assets | 0.8554% | 3,602 |
| Net interest margin | 16.8664% | 15 |
| Noninterest income to average assets | 42.8900% | 59 |
| Noninterest expense to average assets | 22.0550% | 69 |
| Loan and lease loss provision to assets | 3.3100% | 13 |
| Net operating income to assets | 24.6901% | 18 |
| Return on assets (ROA) | 24.6901% | 19 |
| Pretax return on assets | 33.3590% | 20 |
| Return on Equity (ROE) | 43.9000% | 68 |
| Retained earnings to average equity (ytd only) | 43.8991% | 20 |
| Net charge-offs to loans | 4.3498% | 22 |
| Credit loss provision to net charge-offs | 179.7403% | 1,311 |
| Earnings coverage of net charge-offs (x) | 19.9147% | 1,883 |
| Efficiency ratio | 37.5561% | 4,409 |
| Assets per employee ($millions) | 5.4652% | 3,278 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.7341% | 33 |
| Loan loss allowance to noncurrent loans | 1,122.1135% | 834 |
| Noncurrent assets plus other real estate owned to assets | 0.2262% | 2,091 |
| Noncurrent loans to loans | 0.5110% | 1,506 |
| Net loans and leases to total assets | 41.7300% | 3,973 |
| Net loans and leases to deposits | 131.9650% | 40 |
| Net loans and leases to core deposits | 131.9650% | 376 |
| Total domestic deposits to total assets | 31.6200% | 4,491 |
| Equity capital to assets | 60.4173% | 122 |
| Core capital (leverage) ratio | 64.7459% | 73 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 126.1255% | 58 |
| Memoranda: | ||
| Average total assets | $568,815,400 | 1,556 |
| Average earning assets | $533,897,200 | 1,537 |
| Average equity | $319,917,600 | 377 |
| Average total loans | $240,790,600 | 2,055 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 17.2129% | 49 |
| Cost of funding earning assets | 0.8643% | 3,361 |
| Net interest margin | 16.3486% | 12 |
| Noninterest income to average assets | 42.3400% | 57 |
| Noninterest expense to average assets | 22.1674% | 69 |
| Loan and lease loss provision to assets | 3.3000% | 16 |
| Net operating income to assets | 23.8190% | 19 |
| Return on assets (ROA) | 23.8190% | 19 |
| Pretax return on assets | 32.3360% | 19 |
| Return on Equity (ROE) | 43.3600% | 101 |
| Retained earnings to average equity (ytd only) | 43.3570% | 45 |
| Net charge-offs to loans | 4.3258% | 22 |
| Credit loss provision to net charge-offs | 182.5832% | 1,183 |
| Earnings coverage of net charge-offs (x) | 19.7407% | 1,827 |
| Efficiency ratio | 38.3525% | 4,400 |
| Assets per employee ($millions) | 5.1650% | 3,461 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4734% | 34 |
| Loan loss allowance to noncurrent loans | 1,933.0739% | 544 |
| Noncurrent assets plus other real estate owned to assets | 0.1214% | 2,754 |
| Noncurrent loans to loans | 0.2831% | 2,222 |
| Net loans and leases to total assets | 40.5200% | 4,032 |
| Net loans and leases to deposits | 111.7141% | 175 |
| Net loans and leases to core deposits | 111.7141% | 807 |
| Total domestic deposits to total assets | 36.2700% | 4,520 |
| Equity capital to assets | 57.0201% | 127 |
| Core capital (leverage) ratio | 61.5851% | 77 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 128.9607% | 57 |
| Memoranda: | ||
| Average total assets | $541,598,750 | 1,640 |
| Average earning assets | $512,013,750 | 1,592 |
| Average equity | $297,537,750 | 401 |
| Average total loans | $225,989,500 | 2,124 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 16.2013% | 50 |
| Cost of funding earning assets | 0.8694% | 3,028 |
| Net interest margin | 15.3318% | 14 |
| Noninterest income to average assets | 43.8000% | 54 |
| Noninterest expense to average assets | 24.6834% | 63 |
| Loan and lease loss provision to assets | 3.2400% | 14 |
| Net operating income to assets | 22.3827% | 24 |
| Return on assets (ROA) | 22.3827% | 24 |
| Pretax return on assets | 30.3671% | 22 |
| Return on Equity (ROE) | 41.3900% | 101 |
| Retained earnings to average equity (ytd only) | 41.3938% | 49 |
| Net charge-offs to loans | 4.6744% | 17 |
| Credit loss provision to net charge-offs | 168.0553% | 1,135 |
| Earnings coverage of net charge-offs (x) | 17.4278% | 1,803 |
| Efficiency ratio | 42.3449% | 4,325 |
| Assets per employee ($millions) | 4.5131% | 3,944 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6309% | 53 |
| Loan loss allowance to noncurrent loans | 1,435.1765% | 741 |
| Noncurrent assets plus other real estate owned to assets | 0.1531% | 2,474 |
| Noncurrent loans to loans | 0.3227% | 1,978 |
| Net loans and leases to total assets | 45.2600% | 3,833 |
| Net loans and leases to deposits | 122.6103% | 78 |
| Net loans and leases to core deposits | 122.6103% | 461 |
| Total domestic deposits to total assets | 36.9100% | 4,544 |
| Equity capital to assets | 57.5577% | 122 |
| Core capital (leverage) ratio | 60.6405% | 75 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 114.5949% | 57 |
| Memoranda: | ||
| Average total assets | $510,367,667 | 1,701 |
| Average earning assets | $482,382,333 | 1,679 |
| Average equity | $275,969,000 | 413 |
| Average total loans | $210,552,333 | 2,218 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 14.7138% | 11 |
| Cost of funding earning assets | 0.8914% | 2,399 |
| Net interest margin | 13.8225% | 8 |
| Noninterest income to average assets | 46.3600% | 53 |
| Noninterest expense to average assets | 25.1765% | 64 |
| Loan and lease loss provision to assets | 3.6300% | 10 |
| Net operating income to assets | 21.6920% | 22 |
| Return on assets (ROA) | 21.6920% | 22 |
| Pretax return on assets | 30.5593% | 18 |
| Return on Equity (ROE) | 41.6400% | 105 |
| Retained earnings to average equity (ytd only) | 41.6430% | 55 |
| Net charge-offs to loans | 4.6449% | 20 |
| Credit loss provision to net charge-offs | 207.0159% | 816 |
| Earnings coverage of net charge-offs (x) | 19.5080% | 1,465 |
| Efficiency ratio | 42.4106% | 4,372 |
| Assets per employee ($millions) | 4.0324% | 4,232 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2544% | 38 |
| Loan loss allowance to noncurrent loans | 1,046.8045% | 952 |
| Noncurrent assets plus other real estate owned to assets | 0.2078% | 2,095 |
| Noncurrent loans to loans | 0.5019% | 1,463 |
| Net loans and leases to total assets | 39.2200% | 4,069 |
| Net loans and leases to deposits | 105.3411% | 272 |
| Net loans and leases to core deposits | 105.3411% | 864 |
| Total domestic deposits to total assets | 37.2300% | 4,595 |
| Equity capital to assets | 55.4237% | 77 |
| Core capital (leverage) ratio | 59.0507% | 74 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 125.2029% | 52 |
| Memoranda: | ||
| Average total assets | $487,995,000 | 1,770 |
| Average earning assets | $459,078,500 | 1,749 |
| Average equity | $254,198,500 | 447 |
| Average total loans | $184,116,000 | 2,417 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 15.1630% | 9 |
| Cost of funding earning assets | 0.4273% | 1,884 |
| Net interest margin | 14.7358% | 8 |
| Noninterest income to average assets | 65.4100% | 39 |
| Noninterest expense to average assets | 33.7260% | 51 |
| Loan and lease loss provision to assets | 2.5500% | 15 |
| Net operating income to assets | 30.8762% | 15 |
| Return on assets (ROA) | 30.8762% | 15 |
| Pretax return on assets | 43.1538% | 14 |
| Return on Equity (ROE) | 63.2100% | 20 |
| Retained earnings to average equity (ytd only) | 63.2056% | 6 |
| Net charge-offs to loans | 2.4880% | 25 |
| Credit loss provision to net charge-offs | 249.8978% | 1,001 |
| Earnings coverage of net charge-offs (x) | 44.7130% | 1,437 |
| Efficiency ratio | 42.4577% | 4,476 |
| Assets per employee ($millions) | 3.8023% | 4,348 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6637% | 27 |
| Loan loss allowance to noncurrent loans | 1,063.7019% | 946 |
| Noncurrent assets plus other real estate owned to assets | 0.1794% | 2,297 |
| Noncurrent loans to loans | 0.5325% | 1,382 |
| Net loans and leases to total assets | 31.7800% | 4,344 |
| Net loans and leases to deposits | 77.5822% | 1,991 |
| Net loans and leases to core deposits | 77.5822% | 2,311 |
| Total domestic deposits to total assets | 40.9600% | 4,620 |
| Equity capital to assets | 48.4105% | 88 |
| Core capital (leverage) ratio | 53.0570% | 85 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 126.6110% | 54 |
| Memoranda: | ||
| Average total assets | $335,041,000 | 2,277 |
| Average earning assets | $318,768,400 | 2,242 |
| Average equity | $163,669,000 | 627 |
| Average total loans | $137,659,400 | 2,756 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 14.8020% | 9 |
| Cost of funding earning assets | 0.2176% | 3,068 |
| Net interest margin | 14.5843% | 7 |
| Noninterest income to average assets | 68.4900% | 36 |
| Noninterest expense to average assets | 35.0856% | 49 |
| Loan and lease loss provision to assets | 2.5200% | 14 |
| Net operating income to assets | 32.4189% | 15 |
| Return on assets (ROA) | 32.4189% | 15 |
| Pretax return on assets | 44.8928% | 12 |
| Return on Equity (ROE) | 66.1400% | 15 |
| Retained earnings to average equity (ytd only) | 66.1354% | 6 |
| Net charge-offs to loans | 2.0840% | 24 |
| Credit loss provision to net charge-offs | 275.8538% | 855 |
| Earnings coverage of net charge-offs (x) | 51.8038% | 1,265 |
| Efficiency ratio | 42.5263% | 4,510 |
| Assets per employee ($millions) | 3.1756% | 4,543 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2006% | 61 |
| Loan loss allowance to noncurrent loans | 2,019.7260% | 563 |
| Noncurrent assets plus other real estate owned to assets | 0.0950% | 2,994 |
| Noncurrent loans to loans | 0.2080% | 2,560 |
| Net loans and leases to total assets | 43.7500% | 3,889 |
| Net loans and leases to deposits | 105.9556% | 190 |
| Net loans and leases to core deposits | 105.9556% | 590 |
| Total domestic deposits to total assets | 41.3000% | 4,667 |
| Equity capital to assets | 49.8569% | 85 |
| Core capital (leverage) ratio | 56.1900% | 82 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 104.3754% | 62 |
| Memoranda: | ||
| Average total assets | $302,832,500 | 2,454 |
| Average earning assets | $290,990,250 | 2,394 |
| Average equity | $148,445,250 | 689 |
| Average total loans | $133,010,000 | 2,798 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 14.5897% | 9 |
| Cost of funding earning assets | 0.1486% | 3,594 |
| Net interest margin | 14.4411% | 7 |
| Noninterest income to average assets | 70.2390% | 15 |
| Noninterest expense to average assets | 36.2080% | 22 |
| Loan and lease loss provision to assets | 1.7802% | 17 |
| Net operating income to assets | 33.3998% | 8 |
| Return on assets (ROA) | 33.3998% | 8 |
| Pretax return on assets | 46.1385% | 6 |
| Return on Equity (ROE) | 68.6820% | 10 |
| Retained earnings to average equity (ytd only) | 68.6820% | 2 |
| Net charge-offs to loans | 1.7552% | 33 |
| Credit loss provision to net charge-offs | 235.2828% | 899 |
| Earnings coverage of net charge-offs (x) | 63.3317% | 1,057 |
| Efficiency ratio | 43.0398% | 4,537 |
| Assets per employee ($millions) | 2.8274% | 4,640 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0637% | 64 |
| Loan loss allowance to noncurrent loans | 1,731.7568% | 618 |
| Noncurrent assets plus other real estate owned to assets | 0.0903% | 3,092 |
| Noncurrent loans to loans | 0.2347% | 2,544 |
| Net loans and leases to total assets | 36.8973% | 4,210 |
| Net loans and leases to deposits | 84.6364% | 1,075 |
| Net loans and leases to core deposits | 85.2325% | 1,382 |
| Total domestic deposits to total assets | 43.5951% | 4,730 |
| Equity capital to assets | 49.1382% | 42 |
| Core capital (leverage) ratio | 54.5131% | 40 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 119.4117% | 24 |
| Memoranda: | ||
| Average total assets | $275,696,000 | 2,610 |
| Average earning assets | $265,131,667 | 2,571 |
| Average equity | $134,070,000 | 750 |
| Average total loans | $118,847,667 | 2,959 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 15.5660% | 7 |
| Cost of funding earning assets | 0.1282% | 3,797 |
| Net interest margin | 15.4379% | 7 |
| Noninterest income to average assets | 65.7711% | 17 |
| Noninterest expense to average assets | 34.2528% | 25 |
| Loan and lease loss provision to assets | 1.7375% | 22 |
| Net operating income to assets | 32.5890% | 10 |
| Return on assets (ROA) | 32.5890% | 10 |
| Pretax return on assets | 44.6456% | 8 |
| Return on Equity (ROE) | 67.4784% | 10 |
| Retained earnings to average equity (ytd only) | 67.4784% | 7 |
| Net charge-offs to loans | 0.5555% | 124 |
| Credit loss provision to net charge-offs | 677.5000% | 434 |
| Earnings coverage of net charge-offs (x) | 180.8625% | 463 |
| Efficiency ratio | 42.4783% | 4,596 |
| Assets per employee ($millions) | 2.6805% | 4,682 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9773% | 72 |
| Loan loss allowance to noncurrent loans | 1,427.6923% | 690 |
| Noncurrent assets plus other real estate owned to assets | 0.1166% | 2,997 |
| Noncurrent loans to loans | 0.2786% | 2,473 |
| Net loans and leases to total assets | 40.1837% | 4,000 |
| Net loans and leases to deposits | 104.4854% | 112 |
| Net loans and leases to core deposits | 105.4691% | 358 |
| Total domestic deposits to total assets | 38.4587% | 4,762 |
| Equity capital to assets | 47.1865% | 37 |
| Core capital (leverage) ratio | 52.9256% | 35 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 108.8486% | 27 |
| Memoranda: | ||
| Average total assets | $249,556,500 | 2,790 |
| Average earning assets | $240,292,500 | 2,736 |
| Average equity | $120,524,500 | 858 |
| Average total loans | $115,201,500 | 2,996 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 15.3554% | 10 |
| Cost of funding earning assets | 0.0779% | 4,545 |
| Net interest margin | 15.2775% | 8 |
| Noninterest income to average assets | 63.0361% | 17 |
| Noninterest expense to average assets | 37.3528% | 25 |
| Loan and lease loss provision to assets | 2.6108% | 6 |
| Net operating income to assets | 27.0091% | 11 |
| Return on assets (ROA) | 27.0091% | 10 |
| Pretax return on assets | 36.6923% | 9 |
| Return on Equity (ROE) | 51.8617% | 15 |
| Retained earnings to average equity (ytd only) | 51.8617% | 4 |
| Net charge-offs to loans | 0.0701% | 1,089 |
| Credit loss provision to net charge-offs | 8,741.8605% | 81 |
| Earnings coverage of net charge-offs (x) | 1,316.0233% | 114 |
| Efficiency ratio | 48.7279% | 4,367 |
| Assets per employee ($millions) | 2.0786% | 4,763 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2671% | 116 |
| Loan loss allowance to noncurrent loans | 16,890.9091% | 104 |
| Noncurrent assets plus other real estate owned to assets | 0.0100% | 4,053 |
| Noncurrent loans to loans | 0.0193% | 3,934 |
| Net loans and leases to total assets | 49.9346% | 3,285 |
| Net loans and leases to deposits | 132.3931% | 22 |
| Net loans and leases to core deposits | 134.0057% | 85 |
| Total domestic deposits to total assets | 37.7169% | 4,809 |
| Equity capital to assets | 49.6986% | 36 |
| Core capital (leverage) ratio | 55.3923% | 29 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 97.0389% | 31 |
| Memoranda: | ||
| Average total assets | $143,981,000 | 3,547 |
| Average earning assets | $128,358,750 | 3,596 |
| Average equity | $74,984,000 | 1,275 |
| Average total loans | $61,307,500 | 3,792 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 12.1666% | 13 |
| Cost of funding earning assets | 0.0637% | 4,720 |
| Net interest margin | 12.1030% | 12 |
| Noninterest income to average assets | 49.9352% | 22 |
| Noninterest expense to average assets | 34.1499% | 25 |
| Loan and lease loss provision to assets | 2.4095% | 6 |
| Net operating income to assets | 16.2319% | 14 |
| Return on assets (ROA) | 16.2319% | 14 |
| Pretax return on assets | 23.6425% | 13 |
| Return on Equity (ROE) | 30.3093% | 93 |
| Retained earnings to average equity (ytd only) | 30.3093% | 29 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.7256% | 3,448 |
| Assets per employee ($millions) | 1.6231% | 4,857 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3063% | 386 |
| 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 | 55.3494% | 2,813 |
| Net loans and leases to deposits | 127.9937% | 28 |
| Net loans and leases to core deposits | 129.8250% | 119 |
| Total domestic deposits to total assets | 43.2439% | 4,874 |
| Equity capital to assets | 44.6524% | 40 |
| Core capital (leverage) ratio | 49.3318% | 37 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 70.5863% | 46 |
| Memoranda: | ||
| Average total assets | $118,529,333 | 3,862 |
| Average earning assets | $100,545,667 | 3,948 |
| Average equity | $63,477,333 | 1,471 |
| Average total loans | $43,830,000 | 4,169 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9894% | 349 |
| Cost of funding earning assets | 0.0272% | 4,885 |
| Net interest margin | 4.9622% | 174 |
| Noninterest income to average assets | 32.4082% | 27 |
| Noninterest expense to average assets | 26.1553% | 30 |
| Loan and lease loss provision to assets | 1.2543% | 27 |
| Net operating income to assets | 9.0872% | 23 |
| Return on assets (ROA) | 9.0872% | 23 |
| Pretax return on assets | 9.1915% | 30 |
| Return on Equity (ROE) | 14.8560% | 1,200 |
| Retained earnings to average equity (ytd only) | 14.8560% | 452 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4603% | 1,481 |
| Assets per employee ($millions) | 1.2543% | 4,908 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5565% | 1,404 |
| 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 | 30.3046% | 4,641 |
| Net loans and leases to deposits | 71.6418% | 2,245 |
| Net loans and leases to core deposits | 71.6418% | 2,635 |
| Total domestic deposits to total assets | 42.3001% | 4,907 |
| Equity capital to assets | 48.9532% | 36 |
| Core capital (leverage) ratio | 60.8181% | 30 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 115.6859% | 27 |
| Memoranda: | ||
| Average total assets | $95,827,500 | 4,110 |
| Average earning assets | $80,972,000 | 4,193 |
| Average equity | $58,616,000 | 1,557 |
| Average total loans | $19,306,000 | 4,679 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.0344% | 4,976 |
| Cost of funding earning assets | 0.0000% | 4,958 |
| Net interest margin | 0.0344% | 4,971 |
| Noninterest income to average assets | 8.2567% | 82 |
| Noninterest expense to average assets | 9.1929% | 75 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | -1.0570% | 4,930 |
| Return on assets (ROA) | -1.0570% | 4,930 |
| Pretax return on assets | -0.9060% | 4,923 |
| Return on Equity (ROE) | -1.2538% | 4,834 |
| Retained earnings to average equity (ytd only) | -1.2538% | 4,487 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.9329% | 106 |
| Assets per employee ($millions) | 0.6898% | 4,948 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| 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% | 4,422 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 4,950 |
| Net loans and leases to deposits | 0.0000% | 4,950 |
| Net loans and leases to core deposits | 0.0000% | 4,939 |
| Total domestic deposits to total assets | 7.5666% | 4,966 |
| Equity capital to assets | 84.3035% | 17 |
| Core capital (leverage) ratio | 91.4302% | 14 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 2,238.5726% | 2 |
| Memoranda: | ||
| Average total assets | $66,225,000 | 4,477 |
| Average earning assets | $58,215,000 | 4,516 |
| Average equity | $55,830,000 | 1,612 |
| Average total loans | NA | NA |