Home > Trustar Bank > Performance and Condition Ratios
Trustar Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4794% | 1,190 |
| Cost of funding earning assets | 2.8704% | 183 |
| Net interest margin | 2.6090% | 3,950 |
| Noninterest income to average assets | 0.2200% | 3,634 |
| Noninterest expense to average assets | 2.2993% | 2,857 |
| Loan and lease loss provision to assets | 0.1500% | 868 |
| Net operating income to assets | 0.4195% | 3,830 |
| Return on assets (ROA) | 0.4195% | 3,829 |
| Pretax return on assets | 0.3128% | 4,083 |
| Return on Equity (ROE) | 4.4500% | 3,824 |
| Retained earnings to average equity (ytd only) | 4.4508% | 2,812 |
| Net charge-offs to loans | 0.0396% | 1,518 |
| Credit loss provision to net charge-offs | 485.5856% | 692 |
| Earnings coverage of net charge-offs (x) | 14.9099% | 2,064 |
| Efficiency ratio | 83.2997% | 701 |
| Assets per employee ($millions) | 15.1787% | 202 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9947% | 3,345 |
| Loan loss allowance to noncurrent loans | 1,011.0553% | 898 |
| Noncurrent assets plus other real estate owned to assets | 0.0742% | 3,059 |
| Noncurrent loans to loans | 0.0984% | 3,044 |
| Net loans and leases to total assets | 74.6800% | 1,274 |
| Net loans and leases to deposits | 92.7452% | 1,036 |
| Net loans and leases to core deposits | 126.3483% | 477 |
| Total domestic deposits to total assets | 80.5200% | 3,376 |
| Equity capital to assets | 8.7418% | 2,870 |
| Core capital (leverage) ratio | 9.1920% | 3,538 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2169% | 2,520 |
| Memoranda: | ||
| Average total assets | $718,055,800 | 1,277 |
| Average earning assets | $699,315,200 | 1,234 |
| Average equity | $67,673,200 | 1,278 |
| Average total loans | $561,222,200 | 1,132 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4224% | 1,100 |
| Cost of funding earning assets | 2.7231% | 184 |
| Net interest margin | 2.6993% | 3,882 |
| Noninterest income to average assets | 0.1900% | 3,850 |
| Noninterest expense to average assets | 2.3706% | 2,592 |
| Loan and lease loss provision to assets | 0.1300% | 897 |
| Net operating income to assets | 0.2510% | 4,174 |
| Return on assets (ROA) | 0.2510% | 4,184 |
| Pretax return on assets | 0.3178% | 4,152 |
| Return on Equity (ROE) | 2.6100% | 4,141 |
| Retained earnings to average equity (ytd only) | 2.6085% | 3,609 |
| Net charge-offs to loans | 0.0538% | 1,136 |
| Credit loss provision to net charge-offs | 322.9730% | 842 |
| Earnings coverage of net charge-offs (x) | 10.6306% | 2,117 |
| Efficiency ratio | 83.9924% | 617 |
| Assets per employee ($millions) | 11.3964% | 455 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9959% | 3,400 |
| 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 | 77.3700% | 959 |
| Net loans and leases to deposits | 97.2015% | 666 |
| Net loans and leases to core deposits | 123.6257% | 470 |
| Total domestic deposits to total assets | 79.5900% | 3,588 |
| Equity capital to assets | 9.3225% | 2,209 |
| Core capital (leverage) ratio | 9.5095% | 3,291 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6762% | 2,395 |
| Memoranda: | ||
| Average total assets | $696,452,500 | 1,313 |
| Average earning assets | $678,575,000 | 1,261 |
| Average equity | $67,010,250 | 1,281 |
| Average total loans | $549,827,000 | 1,148 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3359% | 1,032 |
| Cost of funding earning assets | 2.5491% | 176 |
| Net interest margin | 2.7869% | 3,840 |
| Noninterest income to average assets | 0.2600% | 3,340 |
| Noninterest expense to average assets | 2.4091% | 2,454 |
| Loan and lease loss provision to assets | 0.2000% | 537 |
| Net operating income to assets | 0.2897% | 4,168 |
| Return on assets (ROA) | 0.2897% | 4,196 |
| Pretax return on assets | 0.3676% | 4,162 |
| Return on Equity (ROE) | 2.9800% | 4,159 |
| Retained earnings to average equity (ytd only) | 2.9783% | 3,486 |
| Net charge-offs to loans | 0.0818% | 775 |
| Credit loss provision to net charge-offs | 291.4414% | 877 |
| Earnings coverage of net charge-offs (x) | 8.7207% | 2,044 |
| Efficiency ratio | 81.0066% | 776 |
| Assets per employee ($millions) | 10.8766% | 525 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9928% | 3,458 |
| 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 | 77.8700% | 846 |
| Net loans and leases to deposits | 96.1901% | 721 |
| Net loans and leases to core deposits | 123.6749% | 437 |
| Total domestic deposits to total assets | 80.9500% | 3,439 |
| Equity capital to assets | 9.3633% | 2,258 |
| Core capital (leverage) ratio | 9.6825% | 3,063 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7619% | 2,384 |
| Memoranda: | ||
| Average total assets | $685,481,000 | 1,321 |
| Average earning assets | $667,849,667 | 1,271 |
| Average equity | $66,682,000 | 1,286 |
| Average total loans | $543,115,000 | 1,144 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3106% | 817 |
| Cost of funding earning assets | 2.4770% | 104 |
| Net interest margin | 2.8336% | 3,897 |
| Noninterest income to average assets | 0.2700% | 3,286 |
| Noninterest expense to average assets | 2.5227% | 2,187 |
| Loan and lease loss provision to assets | 0.1300% | 852 |
| Net operating income to assets | 0.2952% | 4,256 |
| Return on assets (ROA) | 0.2952% | 4,218 |
| Pretax return on assets | 0.3735% | 4,166 |
| Return on Equity (ROE) | 2.9800% | 4,191 |
| Retained earnings to average equity (ytd only) | 2.9752% | 3,515 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 83.3531% | 624 |
| Assets per employee ($millions) | 10.7040% | 565 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9994% | 3,523 |
| 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 | 79.1600% | 624 |
| Net loans and leases to deposits | 97.4953% | 564 |
| Net loans and leases to core deposits | 123.1101% | 381 |
| Total domestic deposits to total assets | 81.1900% | 3,610 |
| Equity capital to assets | 9.9009% | 1,870 |
| Core capital (leverage) ratio | 9.7125% | 2,984 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2061% | 2,301 |
| Memoranda: | ||
| Average total assets | $669,293,000 | 1,363 |
| Average earning assets | $651,750,500 | 1,309 |
| Average equity | $66,415,500 | 1,296 |
| Average total loans | $532,384,500 | 1,175 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2016% | 1,242 |
| Cost of funding earning assets | 1.0046% | 157 |
| Net interest margin | 3.1970% | 2,873 |
| Noninterest income to average assets | 0.3100% | 3,270 |
| Noninterest expense to average assets | 2.7490% | 1,438 |
| Loan and lease loss provision to assets | 0.2800% | 313 |
| Net operating income to assets | 0.3942% | 4,250 |
| Return on assets (ROA) | 0.3413% | 4,289 |
| Pretax return on assets | 0.3724% | 4,310 |
| Return on Equity (ROE) | 3.6300% | 4,219 |
| Retained earnings to average equity (ytd only) | 3.6329% | 3,529 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 79.4551% | 759 |
| Assets per employee ($millions) | 9.7681% | 727 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0119% | 3,297 |
| 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 | 78.3200% | 767 |
| Net loans and leases to deposits | 96.7054% | 602 |
| Net loans and leases to core deposits | 118.7101% | 391 |
| Total domestic deposits to total assets | 80.9900% | 3,756 |
| Equity capital to assets | 9.9459% | 1,735 |
| Core capital (leverage) ratio | 10.2660% | 2,399 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1537% | 2,306 |
| Memoranda: | ||
| Average total assets | $579,194,000 | 1,545 |
| Average earning assets | $570,781,200 | 1,449 |
| Average equity | $54,420,000 | 1,511 |
| Average total loans | $449,625,400 | 1,274 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8656% | 1,565 |
| Cost of funding earning assets | 0.6551% | 326 |
| Net interest margin | 3.2106% | 2,593 |
| Noninterest income to average assets | 0.3600% | 2,976 |
| Noninterest expense to average assets | 2.8167% | 1,218 |
| Loan and lease loss provision to assets | 0.3300% | 200 |
| Net operating income to assets | 0.3414% | 4,332 |
| Return on assets (ROA) | 0.2698% | 4,377 |
| Pretax return on assets | 0.3011% | 4,374 |
| Return on Equity (ROE) | 2.9200% | 4,309 |
| Retained earnings to average equity (ytd only) | 2.9224% | 3,792 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 79.7443% | 787 |
| Assets per employee ($millions) | 9.8357% | 688 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0093% | 3,424 |
| 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 | 80.6100% | 483 |
| Net loans and leases to deposits | 99.5432% | 379 |
| Net loans and leases to core deposits | 118.9880% | 281 |
| Total domestic deposits to total assets | 80.9800% | 3,984 |
| Equity capital to assets | 10.4893% | 1,373 |
| Core capital (leverage) ratio | 11.1461% | 1,633 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5297% | 2,248 |
| Memoranda: | ||
| Average total assets | $557,934,750 | 1,599 |
| Average earning assets | $551,789,500 | 1,503 |
| Average equity | $51,509,000 | 1,605 |
| Average total loans | $430,640,250 | 1,302 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6335% | 1,740 |
| Cost of funding earning assets | 0.5210% | 459 |
| Net interest margin | 3.1125% | 2,496 |
| Noninterest income to average assets | 0.3610% | 2,986 |
| Noninterest expense to average assets | 2.7635% | 1,239 |
| Loan and lease loss provision to assets | 0.2713% | 250 |
| Net operating income to assets | 0.3603% | 4,186 |
| Return on assets (ROA) | 0.2512% | 4,322 |
| Pretax return on assets | 0.2840% | 4,316 |
| Return on Equity (ROE) | 2.8715% | 4,227 |
| Retained earnings to average equity (ytd only) | 2.8715% | 3,484 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2703% | 922 |
| Assets per employee ($millions) | 8.5974% | 1,029 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0056% | 3,570 |
| 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 | 79.0997% | 473 |
| Net loans and leases to deposits | 86.8718% | 918 |
| Net loans and leases to core deposits | 99.5694% | 688 |
| Total domestic deposits to total assets | 91.0534% | 1,205 |
| Equity capital to assets | 8.5828% | 2,700 |
| Core capital (leverage) ratio | 8.4156% | 4,028 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2432% | 2,980 |
| Memoranda: | ||
| Average total assets | $537,362,667 | 1,666 |
| Average earning assets | $532,044,667 | 1,577 |
| Average equity | $47,013,000 | 1,759 |
| Average total loans | $405,989,000 | 1,357 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4834% | 1,858 |
| Cost of funding earning assets | 0.4664% | 594 |
| Net interest margin | 3.0170% | 2,449 |
| Noninterest income to average assets | 0.3488% | 3,004 |
| Noninterest expense to average assets | 2.6376% | 1,507 |
| Loan and lease loss provision to assets | 0.2320% | 294 |
| Net operating income to assets | 0.4011% | 3,949 |
| Return on assets (ROA) | 0.1853% | 4,321 |
| Pretax return on assets | 0.2155% | 4,308 |
| Return on Equity (ROE) | 2.0978% | 4,245 |
| Retained earnings to average equity (ytd only) | 2.0978% | 3,516 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0650% | 1,224 |
| Assets per employee ($millions) | 9.2522% | 842 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0013% | 3,726 |
| 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 | 72.4497% | 791 |
| Net loans and leases to deposits | 79.5849% | 1,174 |
| Net loans and leases to core deposits | 101.8118% | 447 |
| Total domestic deposits to total assets | 91.0345% | 1,015 |
| Equity capital to assets | 8.6121% | 3,062 |
| Core capital (leverage) ratio | 8.7105% | 3,654 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2323% | 2,843 |
| Memoranda: | ||
| Average total assets | $530,928,500 | 1,682 |
| Average earning assets | $525,693,500 | 1,600 |
| Average equity | $46,907,000 | 1,821 |
| Average total loans | $389,157,500 | 1,399 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6683% | 2,199 |
| Cost of funding earning assets | 0.4784% | 1,016 |
| Net interest margin | 3.1899% | 2,629 |
| Noninterest income to average assets | 0.4720% | 2,709 |
| Noninterest expense to average assets | 3.2501% | 674 |
| Loan and lease loss provision to assets | 0.3003% | 268 |
| Net operating income to assets | 0.0688% | 4,644 |
| Return on assets (ROA) | -0.0791% | 4,707 |
| Pretax return on assets | -0.0791% | 4,705 |
| Return on Equity (ROE) | -0.7097% | 4,715 |
| Retained earnings to average equity (ytd only) | -0.7097% | 4,568 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.8006% | 338 |
| Assets per employee ($millions) | 9.7354% | 718 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9743% | 3,856 |
| 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 | 72.7039% | 786 |
| Net loans and leases to deposits | 85.8481% | 791 |
| Net loans and leases to core deposits | 97.0628% | 657 |
| Total domestic deposits to total assets | 84.6890% | 3,364 |
| Equity capital to assets | 9.0706% | 3,547 |
| Core capital (leverage) ratio | 9.7883% | 2,586 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4826% | 2,779 |
| Memoranda: | ||
| Average total assets | $417,190,200 | 1,937 |
| Average earning assets | $411,611,000 | 1,863 |
| Average equity | $46,496,200 | 1,877 |
| Average total loans | $341,229,600 | 1,553 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7146% | 2,238 |
| Cost of funding earning assets | 0.4917% | 1,090 |
| Net interest margin | 3.2229% | 2,660 |
| Noninterest income to average assets | 0.5544% | 2,396 |
| Noninterest expense to average assets | 3.4092% | 524 |
| Loan and lease loss provision to assets | 0.3860% | 171 |
| Net operating income to assets | -0.0635% | 4,763 |
| Return on assets (ROA) | -0.1845% | 4,798 |
| Pretax return on assets | -0.1845% | 4,795 |
| Return on Equity (ROE) | -1.5596% | 4,799 |
| Retained earnings to average equity (ytd only) | -1.5596% | 4,689 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.3609% | 290 |
| Assets per employee ($millions) | 8.6598% | 998 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9450% | 4,021 |
| 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 | 83.2159% | 132 |
| Net loans and leases to deposits | 100.8016% | 208 |
| Net loans and leases to core deposits | 113.0197% | 272 |
| Total domestic deposits to total assets | 82.5541% | 3,812 |
| Equity capital to assets | 10.3296% | 2,591 |
| Core capital (leverage) ratio | 10.6151% | 1,970 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1041% | 2,944 |
| Memoranda: | ||
| Average total assets | $392,494,000 | 2,035 |
| Average earning assets | $386,933,250 | 1,964 |
| Average equity | $46,419,750 | 1,896 |
| Average total loans | $331,830,750 | 1,614 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6787% | 2,396 |
| Cost of funding earning assets | 0.5091% | 1,147 |
| Net interest margin | 3.1696% | 2,849 |
| Noninterest income to average assets | 0.6146% | 2,151 |
| Noninterest expense to average assets | 3.5094% | 466 |
| Loan and lease loss provision to assets | 0.4362% | 130 |
| Net operating income to assets | -0.2085% | 4,831 |
| Return on assets (ROA) | -0.3644% | 4,854 |
| Pretax return on assets | -0.3644% | 4,851 |
| Return on Equity (ROE) | -2.9318% | 4,856 |
| Retained earnings to average equity (ytd only) | -2.9318% | 4,716 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.9059% | 256 |
| Assets per employee ($millions) | 9.9048% | 630 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9209% | 4,096 |
| 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 | 84.1050% | 134 |
| Net loans and leases to deposits | 103.4931% | 191 |
| Net loans and leases to core deposits | 115.8656% | 264 |
| Total domestic deposits to total assets | 81.2663% | 4,049 |
| Equity capital to assets | 11.1291% | 1,894 |
| Core capital (leverage) ratio | 11.4318% | 1,346 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9906% | 2,373 |
| Memoranda: | ||
| Average total assets | $373,223,000 | 2,103 |
| Average earning assets | $367,682,667 | 2,028 |
| Average equity | $46,388,000 | 1,885 |
| Average total loans | $316,340,333 | 1,672 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6834% | 2,403 |
| Cost of funding earning assets | 0.5473% | 1,116 |
| Net interest margin | 3.1361% | 2,890 |
| Noninterest income to average assets | 0.3922% | 3,126 |
| Noninterest expense to average assets | 3.4403% | 504 |
| Loan and lease loss provision to assets | 0.5264% | 117 |
| Net operating income to assets | -0.4866% | 4,892 |
| Return on assets (ROA) | -1.0027% | 4,925 |
| Pretax return on assets | -1.0027% | 4,928 |
| Return on Equity (ROE) | -7.5980% | 4,923 |
| Retained earnings to average equity (ytd only) | -7.5980% | 4,765 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.8566% | 204 |
| Assets per employee ($millions) | 10.1582% | 567 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8936% | 4,170 |
| 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 | 85.6293% | 98 |
| Net loans and leases to deposits | 108.0591% | 152 |
| Net loans and leases to core deposits | 120.0733% | 240 |
| Total domestic deposits to total assets | 79.2430% | 4,306 |
| Equity capital to assets | 12.2505% | 1,174 |
| Core capital (leverage) ratio | 12.7014% | 925 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8098% | 1,633 |
| Memoranda: | ||
| Average total assets | $351,834,500 | 2,180 |
| Average earning assets | $346,415,000 | 2,097 |
| Average equity | $46,433,500 | 1,874 |
| Average total loans | $297,946,000 | 1,760 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7617% | 3,411 |
| Cost of funding earning assets | 0.6589% | 1,938 |
| Net interest margin | 3.1028% | 3,619 |
| Noninterest income to average assets | 0.0535% | 4,855 |
| Noninterest expense to average assets | 4.1756% | 320 |
| Loan and lease loss provision to assets | 0.6928% | 239 |
| Net operating income to assets | -1.7512% | 4,957 |
| Return on assets (ROA) | -1.7512% | 4,958 |
| Pretax return on assets | -1.7512% | 4,957 |
| Return on Equity (ROE) | -8.3205% | 4,931 |
| Retained earnings to average equity (ytd only) | -8.3205% | 4,890 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 133.9515% | 48 |
| Assets per employee ($millions) | 8.8599% | 777 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8995% | 4,184 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 81.9700% | 297 |
| Net loans and leases to deposits | 103.8088% | 261 |
| Net loans and leases to core deposits | 116.5158% | 360 |
| Total domestic deposits to total assets | 78.9625% | 4,203 |
| Equity capital to assets | 14.2834% | 735 |
| Core capital (leverage) ratio | 14.9636% | 511 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.2747% | 740 |
| Memoranda: | ||
| Average total assets | $230,073,000 | 2,713 |
| Average earning assets | $227,184,400 | 2,619 |
| Average equity | $48,422,800 | 1,742 |
| Average total loans | $179,789,800 | 2,415 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3731% | 4,387 |
| Cost of funding earning assets | 0.6492% | 2,326 |
| Net interest margin | 2.7240% | 4,441 |
| Noninterest income to average assets | 0.1076% | 4,731 |
| Noninterest expense to average assets | 4.3623% | 278 |
| Loan and lease loss provision to assets | 0.6434% | 375 |
| Net operating income to assets | -2.2045% | 4,991 |
| Return on assets (ROA) | -2.2045% | 4,991 |
| Pretax return on assets | -2.2045% | 4,987 |
| Return on Equity (ROE) | -9.2851% | 4,961 |
| Retained earnings to average equity (ytd only) | -9.2851% | 4,922 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 155.7407% | 35 |
| Assets per employee ($millions) | 7.7083% | 1,121 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7961% | 4,365 |
| 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 | 82.4871% | 400 |
| Net loans and leases to deposits | 109.7557% | 231 |
| Net loans and leases to core deposits | 122.5078% | 365 |
| Total domestic deposits to total assets | 75.1552% | 4,490 |
| Equity capital to assets | 17.0638% | 365 |
| Core capital (leverage) ratio | 19.0629% | 235 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.6574% | 344 |
| Memoranda: | ||
| Average total assets | $205,637,500 | 2,878 |
| Average earning assets | $203,326,500 | 2,778 |
| Average equity | $48,822,750 | 1,720 |
| Average total loans | $156,950,000 | 2,599 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4606% | 4,463 |
| Cost of funding earning assets | 0.7422% | 2,167 |
| Net interest margin | 2.7184% | 4,538 |
| Noninterest income to average assets | 0.0121% | 4,991 |
| Noninterest expense to average assets | 4.5750% | 244 |
| Loan and lease loss provision to assets | 0.7408% | 353 |
| Net operating income to assets | -2.6144% | 5,028 |
| Return on assets (ROA) | -2.6144% | 5,027 |
| Pretax return on assets | -2.6144% | 5,023 |
| Return on Equity (ROE) | -9.6323% | 4,984 |
| Retained earnings to average equity (ytd only) | -9.6323% | 4,911 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 169.3562% | 31 |
| Assets per employee ($millions) | 7.4440% | 1,205 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7628% | 4,432 |
| 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 | 82.9077% | 335 |
| Net loans and leases to deposits | 110.4078% | 223 |
| Net loans and leases to core deposits | 115.2404% | 557 |
| Total domestic deposits to total assets | 75.0923% | 4,510 |
| Equity capital to assets | 20.2660% | 204 |
| Core capital (leverage) ratio | 21.5602% | 157 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 34.1004% | 198 |
| Memoranda: | ||
| Average total assets | $181,683,667 | 3,061 |
| Average earning assets | $179,739,000 | 2,961 |
| Average equity | $49,313,000 | 1,692 |
| Average total loans | $132,354,000 | 2,833 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9654% | 3,885 |
| Cost of funding earning assets | 1.0407% | 1,254 |
| Net interest margin | 2.9246% | 4,396 |
| Noninterest income to average assets | 0.0104% | 5,043 |
| Noninterest expense to average assets | 5.8479% | 157 |
| Loan and lease loss provision to assets | 0.7587% | 335 |
| Net operating income to assets | -3.7022% | 5,084 |
| Return on assets (ROA) | -3.7022% | 5,074 |
| Pretax return on assets | -3.7022% | 5,065 |
| Return on Equity (ROE) | -11.3983% | 5,009 |
| Retained earnings to average equity (ytd only) | -11.3983% | 4,810 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 201.3465% | 26 |
| Assets per employee ($millions) | 5.6392% | 1,982 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0003% | 3,716 |
| 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 | 64.3143% | 3,030 |
| Net loans and leases to deposits | 97.9390% | 722 |
| Net loans and leases to core deposits | 104.7438% | 1,136 |
| Total domestic deposits to total assets | 65.6677% | 4,968 |
| Equity capital to assets | 28.0994% | 82 |
| Core capital (leverage) ratio | 29.5964% | 72 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 39.6294% | 151 |
| Memoranda: | ||
| Average total assets | $153,422,000 | 3,285 |
| Average earning assets | $151,815,000 | 3,173 |
| Average equity | $49,832,000 | 1,671 |
| Average total loans | $99,026,000 | 3,237 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2006% | 5,160 |
| Cost of funding earning assets | 0.1615% | 5,031 |
| Net interest margin | 1.0391% | 5,154 |
| Noninterest income to average assets | 0.0009% | 5,128 |
| Noninterest expense to average assets | 4.3922% | 341 |
| Loan and lease loss provision to assets | 0.7187% | 155 |
| Net operating income to assets | -4.0809% | 5,158 |
| Return on assets (ROA) | -4.0809% | 5,158 |
| Pretax return on assets | -4.0809% | 5,157 |
| Return on Equity (ROE) | -9.3188% | 5,119 |
| Retained earnings to average equity (ytd only) | -9.3188% | 5,056 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 426.4244% | 11 |
| Assets per employee ($millions) | 4.5527% | 3,155 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0002% | 3,511 |
| 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 | 63.3497% | 3,271 |
| Net loans and leases to deposits | 103.6521% | 391 |
| Net loans and leases to core deposits | 106.8813% | 1,057 |
| Total domestic deposits to total assets | 61.1176% | 5,079 |
| Equity capital to assets | 38.2810% | 52 |
| Core capital (leverage) ratio | 52.0210% | 37 |
| Tier 1 risk-based capital ratio | 54.3048% | 116 |
| Total risk-based capital ratio | 55.2127% | 116 |
| Memoranda: | ||
| Average total assets | $117,571,000 | 3,740 |
| Average earning assets | $116,443,000 | 3,616 |
| Average equity | $51,487,500 | 1,556 |
| Average total loans | $57,423,000 | 4,021 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.6910% | 5,248 |
| Cost of funding earning assets | 0.0562% | 5,216 |
| Net interest margin | 0.6348% | 5,247 |
| Noninterest income to average assets | 0.0000% | 5,208 |
| Noninterest expense to average assets | 3.9761% | 544 |
| Loan and lease loss provision to assets | 0.3931% | 331 |
| Net operating income to assets | -3.7408% | 5,234 |
| Return on assets (ROA) | -3.7408% | 5,234 |
| Pretax return on assets | -3.7408% | 5,233 |
| Return on Equity (ROE) | -7.3565% | 5,183 |
| Retained earnings to average equity (ytd only) | -7.3565% | 5,113 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 632.7160% | 7 |
| Assets per employee ($millions) | 3.6826% | 4,300 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0013% | 3,562 |
| 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 | 29.1496% | 5,066 |
| Net loans and leases to deposits | 59.9988% | 4,385 |
| Net loans and leases to core deposits | 60.3009% | 4,525 |
| Total domestic deposits to total assets | 48.5836% | 5,205 |
| Equity capital to assets | 50.8500% | 37 |
| Core capital (leverage) ratio | 75.5421% | 27 |
| Tier 1 risk-based capital ratio | 138.7961% | 35 |
| Total risk-based capital ratio | 139.6008% | 35 |
| Memoranda: | ||
| Average total assets | $103,113,000 | 3,994 |
| Average earning assets | $102,072,000 | 3,873 |
| Average equity | $52,433,000 | 1,532 |
| Average total loans | $30,361,000 | 4,694 |