Home > The Bank of Austin > Performance and Condition Ratios
The Bank of Austin, Performance and Condition Ratios
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6705% | 3,855 |
| Cost of funding earning assets | 0.4888% | 3,296 |
| Net interest margin | 3.1817% | 3,539 |
| Noninterest income to average assets | 0.1201% | 4,684 |
| Noninterest expense to average assets | 2.4884% | 2,883 |
| Loan and lease loss provision to assets | 0.3695% | 1,004 |
| Net operating income to assets | 0.3902% | 4,282 |
| Return on assets (ROA) | 0.3623% | 4,396 |
| Pretax return on assets | 0.3623% | 4,472 |
| Return on Equity (ROE) | 2.3937% | 4,494 |
| Retained earnings to average equity (ytd only) | 2.3937% | 3,789 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6112% | 1,146 |
| Assets per employee ($millions) | 14.2490% | 193 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9038% | 4,059 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 73.8331% | 1,388 |
| Net loans and leases to deposits | 84.6876% | 1,839 |
| Net loans and leases to core deposits | 86.7886% | 2,248 |
| Total domestic deposits to total assets | 87.1828% | 1,589 |
| Equity capital to assets | 12.4818% | 1,438 |
| Core capital (leverage) ratio | 12.9556% | 958 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.3958% | 741 |
| Memoranda: | ||
| Average total assets | $219,731,500 | 2,784 |
| Average earning assets | $216,021,000 | 2,693 |
| Average equity | $33,252,750 | 2,318 |
| Average total loans | $165,580,500 | 2,528 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8474% | 3,749 |
| Cost of funding earning assets | 0.5432% | 3,276 |
| Net interest margin | 3.3042% | 3,374 |
| Noninterest income to average assets | 0.1223% | 4,692 |
| Noninterest expense to average assets | 2.6429% | 2,545 |
| Loan and lease loss provision to assets | 0.4232% | 932 |
| Net operating income to assets | 0.3029% | 4,417 |
| Return on assets (ROA) | 0.2575% | 4,539 |
| Pretax return on assets | 0.2575% | 4,582 |
| Return on Equity (ROE) | 1.5783% | 4,605 |
| Retained earnings to average equity (ytd only) | 1.5783% | 3,912 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4480% | 1,010 |
| Assets per employee ($millions) | 12.4638% | 285 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8654% | 4,136 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 79.5264% | 648 |
| Net loans and leases to deposits | 92.8863% | 1,061 |
| Net loans and leases to core deposits | 95.3366% | 1,630 |
| Total domestic deposits to total assets | 85.6169% | 2,154 |
| Equity capital to assets | 14.0749% | 841 |
| Core capital (leverage) ratio | 14.1244% | 723 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.4668% | 543 |
| Memoranda: | ||
| Average total assets | $202,731,667 | 2,882 |
| Average earning assets | $199,201,667 | 2,787 |
| Average equity | $33,073,000 | 2,317 |
| Average total loans | $153,536,667 | 2,627 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0774% | 3,584 |
| Cost of funding earning assets | 0.7202% | 2,837 |
| Net interest margin | 3.3572% | 3,430 |
| Noninterest income to average assets | 0.1314% | 4,713 |
| Noninterest expense to average assets | 3.0265% | 1,821 |
| Loan and lease loss provision to assets | 0.2240% | 1,382 |
| Net operating income to assets | 0.1745% | 4,562 |
| Return on assets (ROA) | 0.1745% | 4,571 |
| Pretax return on assets | 0.1745% | 4,597 |
| Return on Equity (ROE) | 0.9835% | 4,632 |
| Retained earnings to average equity (ytd only) | 0.9835% | 3,744 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.3648% | 569 |
| Assets per employee ($millions) | 11.2632% | 283 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9411% | 3,967 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 68.4835% | 2,473 |
| Net loans and leases to deposits | 82.1035% | 2,441 |
| Net loans and leases to core deposits | 86.2041% | 2,663 |
| Total domestic deposits to total assets | 83.4111% | 2,974 |
| Equity capital to assets | 16.2994% | 532 |
| Core capital (leverage) ratio | 17.6382% | 358 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.1863% | 626 |
| Memoranda: | ||
| Average total assets | $185,691,500 | 3,000 |
| Average earning assets | $182,177,000 | 2,902 |
| Average equity | $32,944,000 | 2,306 |
| Average total loans | $135,319,000 | 2,768 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4072% | 3,228 |
| Cost of funding earning assets | 0.7502% | 2,917 |
| Net interest margin | 3.6570% | 2,932 |
| Noninterest income to average assets | 0.1410% | 4,771 |
| Noninterest expense to average assets | 3.1561% | 1,625 |
| Loan and lease loss provision to assets | 0.3050% | 547 |
| Net operating income to assets | 0.2355% | 4,814 |
| Return on assets (ROA) | 0.2355% | 4,835 |
| Pretax return on assets | 0.2355% | 4,863 |
| Return on Equity (ROE) | 1.1071% | 4,901 |
| Retained earnings to average equity (ytd only) | 1.1071% | 4,353 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.3797% | 577 |
| Assets per employee ($millions) | 9.3692% | 436 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9312% | 3,838 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 76.6474% | 1,303 |
| Net loans and leases to deposits | 95.5267% | 992 |
| Net loans and leases to core deposits | 101.9449% | 1,408 |
| Total domestic deposits to total assets | 80.2366% | 3,928 |
| Equity capital to assets | 19.4746% | 271 |
| Core capital (leverage) ratio | 19.7103% | 249 |
| Tier 1 risk-based capital ratio | 23.3050% | 888 |
| Total risk-based capital ratio | 24.2012% | 897 |
| Memoranda: | ||
| Average total assets | $152,464,800 | 3,262 |
| Average earning assets | $148,234,400 | 3,191 |
| Average equity | $32,426,400 | 2,278 |
| Average total loans | $107,595,000 | 3,124 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4095% | 3,323 |
| Cost of funding earning assets | 0.7610% | 2,915 |
| Net interest margin | 3.6485% | 3,099 |
| Noninterest income to average assets | 0.1374% | 4,847 |
| Noninterest expense to average assets | 3.3059% | 1,256 |
| Loan and lease loss provision to assets | 0.3063% | 478 |
| Net operating income to assets | 0.0656% | 5,039 |
| Return on assets (ROA) | 0.0844% | 5,043 |
| Pretax return on assets | 0.0844% | 5,049 |
| Return on Equity (ROE) | 0.3878% | 5,062 |
| Retained earnings to average equity (ytd only) | 0.3878% | 4,690 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.8876% | 327 |
| Assets per employee ($millions) | 8.6140% | 552 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9537% | 3,812 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 69.1640% | 2,598 |
| Net loans and leases to deposits | 86.6820% | 2,109 |
| Net loans and leases to core deposits | 92.6979% | 2,298 |
| Total domestic deposits to total assets | 79.7905% | 4,028 |
| Equity capital to assets | 19.8758% | 265 |
| Core capital (leverage) ratio | 20.0175% | 247 |
| Tier 1 risk-based capital ratio | 25.2032% | 759 |
| Total risk-based capital ratio | 26.0819% | 764 |
| Memoranda: | ||
| Average total assets | $148,419,750 | 3,356 |
| Average earning assets | $144,020,250 | 3,264 |
| Average equity | $32,322,250 | 2,295 |
| Average total loans | $101,874,500 | 3,239 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3514% | 3,486 |
| Cost of funding earning assets | 0.7554% | 2,871 |
| Net interest margin | 3.5960% | 3,269 |
| Noninterest income to average assets | 0.1298% | 4,931 |
| Noninterest expense to average assets | 3.3934% | 1,116 |
| Loan and lease loss provision to assets | 0.3265% | 407 |
| Net operating income to assets | -0.0963% | 5,130 |
| Return on assets (ROA) | -0.0963% | 5,134 |
| Pretax return on assets | -0.0963% | 5,131 |
| Return on Equity (ROE) | -0.4279% | 5,126 |
| Retained earnings to average equity (ytd only) | -0.4279% | 4,757 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.6465% | 241 |
| Assets per employee ($millions) | 8.2916% | 604 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9025% | 4,079 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 68.5845% | 2,741 |
| Net loans and leases to deposits | 86.6206% | 2,182 |
| Net loans and leases to core deposits | 95.6202% | 2,109 |
| Total domestic deposits to total assets | 79.1780% | 4,188 |
| Equity capital to assets | 20.5256% | 228 |
| Core capital (leverage) ratio | 21.4545% | 178 |
| Tier 1 risk-based capital ratio | 25.9737% | 693 |
| Total risk-based capital ratio | 26.7955% | 700 |
| Memoranda: | ||
| Average total assets | $143,337,670 | 3,442 |
| Average earning assets | $139,264,330 | 3,338 |
| Average equity | $32,253,000 | 2,286 |
| Average total loans | $97,736,670 | 3,319 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2920% | 3,589 |
| Cost of funding earning assets | 0.7199% | 2,946 |
| Net interest margin | 3.5721% | 3,359 |
| Noninterest income to average assets | 0.1145% | 5,030 |
| Noninterest expense to average assets | 3.6730% | 774 |
| Loan and lease loss provision to assets | 0.2173% | 720 |
| Net operating income to assets | -0.3083% | 5,228 |
| Return on assets (ROA) | -0.3083% | 5,223 |
| Pretax return on assets | -0.3083% | 5,216 |
| Return on Equity (ROE) | -1.3039% | 5,198 |
| Retained earnings to average equity (ytd only) | -1.3039% | 4,684 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.5410% | 149 |
| Assets per employee ($millions) | 8.1742% | 631 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8656% | 4,286 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 64.0598% | 3,279 |
| Net loans and leases to deposits | 82.3382% | 2,579 |
| Net loans and leases to core deposits | 92.5884% | 2,249 |
| Total domestic deposits to total assets | 77.8008% | 4,550 |
| Equity capital to assets | 21.8886% | 176 |
| Core capital (leverage) ratio | 23.7966% | 134 |
| Tier 1 risk-based capital ratio | 29.4127% | 495 |
| Total risk-based capital ratio | 30.1873% | 506 |
| Memoranda: | ||
| Average total assets | $136,236,500 | 3,574 |
| Average earning assets | $132,246,000 | 3,482 |
| Average equity | $32,211,500 | 2,288 |
| Average total loans | $92,089,000 | 3,447 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0692% | 3,842 |
| Cost of funding earning assets | 0.5131% | 3,266 |
| Net interest margin | 3.5560% | 3,523 |
| Noninterest income to average assets | 0.1216% | 5,070 |
| Noninterest expense to average assets | 4.4632% | 311 |
| Loan and lease loss provision to assets | 0.2899% | 562 |
| Net operating income to assets | -1.2245% | 5,348 |
| Return on assets (ROA) | -1.2245% | 5,344 |
| Pretax return on assets | -1.2245% | 5,346 |
| Return on Equity (ROE) | -3.7060% | 5,304 |
| Retained earnings to average equity (ytd only) | -3.7060% | 5,210 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 126.4866% | 47 |
| Assets per employee ($millions) | 6.5967% | 1,175 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8406% | 4,392 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 70.4908% | 2,499 |
| Net loans and leases to deposits | 95.4032% | 1,129 |
| Net loans and leases to core deposits | 112.9447% | 836 |
| Total domestic deposits to total assets | 73.8872% | 4,954 |
| Equity capital to assets | 25.7043% | 100 |
| Core capital (leverage) ratio | 25.8690% | 96 |
| Tier 1 risk-based capital ratio | 32.7478% | 378 |
| Total risk-based capital ratio | 33.5332% | 387 |
| Memoranda: | ||
| Average total assets | $98,650,600 | 4,119 |
| Average earning assets | $94,515,200 | 4,054 |
| Average equity | $32,596,000 | 2,180 |
| Average total loans | $65,688,800 | 3,973 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8138% | 4,410 |
| Cost of funding earning assets | 0.4219% | 3,713 |
| Net interest margin | 3.3919% | 4,025 |
| Noninterest income to average assets | 0.1218% | 5,128 |
| Noninterest expense to average assets | 4.6894% | 253 |
| Loan and lease loss provision to assets | 0.3363% | 411 |
| Net operating income to assets | -1.6641% | 5,438 |
| Return on assets (ROA) | -1.6641% | 5,435 |
| Pretax return on assets | -1.6641% | 5,432 |
| Return on Equity (ROE) | -4.6822% | 5,390 |
| Retained earnings to average equity (ytd only) | -4.6822% | 5,306 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 139.4998% | 30 |
| Assets per employee ($millions) | 6.0353% | 1,467 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8895% | 4,305 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 67.5341% | 3,007 |
| Net loans and leases to deposits | 94.4449% | 1,325 |
| Net loans and leases to core deposits | 109.1778% | 1,089 |
| Total domestic deposits to total assets | 71.5063% | 5,162 |
| Equity capital to assets | 28.1004% | 76 |
| Core capital (leverage) ratio | 30.8387% | 62 |
| Tier 1 risk-based capital ratio | 36.6373% | 286 |
| Total risk-based capital ratio | 37.4480% | 291 |
| Memoranda: | ||
| Average total assets | $91,979,000 | 4,281 |
| Average earning assets | $87,854,250 | 4,226 |
| Average equity | $32,690,750 | 2,178 |
| Average total loans | $59,836,000 | 4,139 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7093% | 4,563 |
| Cost of funding earning assets | 0.3772% | 3,895 |
| Net interest margin | 3.3321% | 4,153 |
| Noninterest income to average assets | 0.1161% | 5,207 |
| Noninterest expense to average assets | 5.0963% | 204 |
| Loan and lease loss provision to assets | 0.4051% | 297 |
| Net operating income to assets | -2.2247% | 5,511 |
| Return on assets (ROA) | -2.2247% | 5,505 |
| Pretax return on assets | -2.2247% | 5,505 |
| Return on Equity (ROE) | -5.7175% | 5,447 |
| Retained earnings to average equity (ytd only) | -5.7175% | 5,317 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 155.5315% | 29 |
| Assets per employee ($millions) | 5.5528% | 1,840 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9926% | 3,894 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 63.2670% | 3,480 |
| Net loans and leases to deposits | 94.3201% | 1,320 |
| Net loans and leases to core deposits | 99.1828% | 1,799 |
| Total domestic deposits to total assets | 67.0769% | 5,364 |
| Equity capital to assets | 32.4429% | 62 |
| Core capital (leverage) ratio | 33.7426% | 61 |
| Tier 1 risk-based capital ratio | 44.2412% | 183 |
| Total risk-based capital ratio | 45.1239% | 181 |
| Memoranda: | ||
| Average total assets | $84,415,000 | 4,438 |
| Average earning assets | $80,070,000 | 4,402 |
| Average equity | $32,846,670 | 2,177 |
| Average total loans | $53,735,670 | 4,310 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5531% | 4,789 |
| Cost of funding earning assets | 0.3058% | 4,310 |
| Net interest margin | 3.2472% | 4,321 |
| Noninterest income to average assets | 0.1044% | 5,310 |
| Noninterest expense to average assets | 5.5840% | 167 |
| Loan and lease loss provision to assets | 0.2296% | 679 |
| Net operating income to assets | -2.6616% | 5,581 |
| Return on assets (ROA) | -2.6616% | 5,579 |
| Pretax return on assets | -2.6616% | 5,578 |
| Return on Equity (ROE) | -6.1713% | 5,513 |
| Retained earnings to average equity (ytd only) | -6.1713% | 5,256 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 177.1523% | 21 |
| Assets per employee ($millions) | 6.0149% | 1,502 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0040% | 3,930 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 59.3678% | 3,808 |
| Net loans and leases to deposits | 97.9755% | 859 |
| Net loans and leases to core deposits | 105.2573% | 1,297 |
| Total domestic deposits to total assets | 60.5945% | 5,518 |
| Equity capital to assets | 38.9745% | 47 |
| Core capital (leverage) ratio | 42.7628% | 43 |
| Tier 1 risk-based capital ratio | 58.0135% | 93 |
| Total risk-based capital ratio | 58.9097% | 93 |
| Memoranda: | ||
| Average total assets | $76,647,000 | 4,628 |
| Average earning assets | $71,938,000 | 4,598 |
| Average equity | $33,056,500 | 2,182 |
| Average total loans | $48,668,500 | 4,474 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3075% | 5,638 |
| Cost of funding earning assets | 0.1010% | 5,495 |
| Net interest margin | 1.2065% | 5,637 |
| Noninterest income to average assets | 0.0366% | 5,559 |
| Noninterest expense to average assets | 11.3333% | 58 |
| Loan and lease loss provision to assets | 0.7369% | 164 |
| Net operating income to assets | -10.8925% | 5,668 |
| Return on assets (ROA) | -10.8925% | 5,668 |
| Pretax return on assets | -10.8925% | 5,668 |
| Return on Equity (ROE) | -21.3882% | 5,646 |
| Retained earnings to average equity (ytd only) | -21.3882% | 5,625 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 962.2973% | 1 |
| Assets per employee ($millions) | 4.6057% | 3,019 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9885% | 4,012 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 67.1260% | 2,945 |
| Net loans and leases to deposits | 131.7630% | 42 |
| Net loans and leases to core deposits | 145.2683% | 159 |
| Total domestic deposits to total assets | 50.9445% | 5,621 |
| Equity capital to assets | 48.1914% | 38 |
| Core capital (leverage) ratio | 53.3507% | 33 |
| Tier 1 risk-based capital ratio | 61.0657% | 81 |
| Total risk-based capital ratio | 61.9149% | 83 |
| Memoranda: | ||
| Average total assets | $62,832,500 | 4,905 |
| Average earning assets | $59,428,000 | 4,872 |
| Average equity | $31,999,000 | 2,218 |
| Average total loans | $37,387,000 | 4,808 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.6900% | 5,730 |
| Cost of funding earning assets | 0.0491% | 5,682 |
| Net interest margin | 0.6409% | 5,728 |
| Noninterest income to average assets | 0.0165% | 5,657 |
| Noninterest expense to average assets | 16.3399% | 46 |
| Loan and lease loss provision to assets | 0.6575% | 173 |
| Net operating income to assets | -16.3964% | 5,735 |
| Return on assets (ROA) | -16.3964% | 5,735 |
| Pretax return on assets | -16.3964% | 5,735 |
| Return on Equity (ROE) | -30.2136% | 5,720 |
| Retained earnings to average equity (ytd only) | -30.2136% | 5,704 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 2,719.2157% | 1 |
| Assets per employee ($millions) | 4.7150% | 2,814 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9987% | 4,066 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 48.8830% | 4,774 |
| Net loans and leases to deposits | 107.6648% | 351 |
| Net loans and leases to core deposits | 107.6648% | 1,155 |
| Total domestic deposits to total assets | 45.4030% | 5,692 |
| Equity capital to assets | 54.2683% | 36 |
| Core capital (leverage) ratio | 69.0181% | 32 |
| Tier 1 risk-based capital ratio | 91.3424% | 48 |
| Total risk-based capital ratio | 92.1724% | 48 |
| Memoranda: | ||
| Average total assets | $56,580,000 | 5,088 |
| Average earning assets | $51,594,000 | 5,093 |
| Average equity | $30,705,000 | 2,328 |
| Average total loans | $27,937,000 | 5,123 |