Home > Argent Trust Company > Performance and Condition Ratios
Argent Trust Company, Performance and Condition Ratios
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2477% | 6,154 |
| Cost of funding earning assets | 0.7614% | 5,795 |
| Net interest margin | 3.4863% | 5,070 |
| Noninterest income to average assets | 5.4009% | 127 |
| Noninterest expense to average assets | 7.8519% | 114 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.2735% | 5,528 |
| Return on assets (ROA) | 0.2735% | 5,587 |
| Pretax return on assets | 0.5202% | 4,957 |
| Return on Equity (ROE) | 2.6796% | 5,526 |
| Retained earnings to average equity (ytd only) | 2.6796% | 4,555 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.7860% | 1,048 |
| Assets per employee ($millions) | 3.3713% | 5,317 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8577% | 6,809 |
| Loan loss allowance to noncurrent loans | 188.7255% | 1,578 |
| Noncurrent assets plus other real estate owned to assets | 0.2881% | 6,469 |
| Noncurrent loans to loans | 0.4545% | 6,105 |
| Net loans and leases to total assets | 62.8586% | 3,688 |
| Net loans and leases to deposits | 71.6076% | 4,124 |
| Net loans and leases to core deposits | 72.9948% | 4,651 |
| Total domestic deposits to total assets | 87.7820% | 2,500 |
| Equity capital to assets | 10.8027% | 2,879 |
| Core capital (leverage) ratio | 9.7940% | 3,395 |
| Tier 1 risk-based capital ratio | 15.5368% | 3,143 |
| Total risk-based capital ratio | 16.3189% | 3,348 |
| Memoranda: | ||
| Average total assets | $74,580,500 | 5,740 |
| Average earning assets | $63,564,000 | 5,877 |
| Average equity | $7,613,000 | 5,738 |
| Average total loans | $45,756,000 | 5,572 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3290% | 6,734 |
| Cost of funding earning assets | 0.8767% | 6,258 |
| Net interest margin | 3.4523% | 5,423 |
| Noninterest income to average assets | 5.4569% | 129 |
| Noninterest expense to average assets | 9.3647% | 89 |
| Loan and lease loss provision to assets | 0.1655% | 5,563 |
| Net operating income to assets | -0.7555% | 6,555 |
| Return on assets (ROA) | -0.6249% | 6,494 |
| Pretax return on assets | -0.8497% | 6,542 |
| Return on Equity (ROE) | -6.0599% | 6,499 |
| Retained earnings to average equity (ytd only) | -6.0599% | 6,387 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.1217% | 534 |
| Assets per employee ($millions) | 2.6121% | 6,838 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8257% | 6,918 |
| Loan loss allowance to noncurrent loans | 39.8964% | 5,645 |
| Noncurrent assets plus other real estate owned to assets | 1.2314% | 4,558 |
| Noncurrent loans to loans | 2.0697% | 3,462 |
| Net loans and leases to total assets | 59.0067% | 4,842 |
| Net loans and leases to deposits | 66.2502% | 5,368 |
| Net loans and leases to core deposits | 67.3885% | 5,730 |
| Total domestic deposits to total assets | 89.0664% | 1,611 |
| Equity capital to assets | 9.6703% | 4,188 |
| Core capital (leverage) ratio | 9.2397% | 4,109 |
| Tier 1 risk-based capital ratio | 15.4106% | 3,039 |
| Total risk-based capital ratio | 16.1931% | 3,237 |
| Memoranda: | ||
| Average total assets | $72,496,000 | 5,802 |
| Average earning assets | $63,986,400 | 5,858 |
| Average equity | $7,475,400 | 5,883 |
| Average total loans | $49,220,400 | 5,518 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3521% | 6,891 |
| Cost of funding earning assets | 0.9128% | 6,344 |
| Net interest margin | 3.4393% | 5,535 |
| Noninterest income to average assets | 5.5826% | 123 |
| Noninterest expense to average assets | 8.3551% | 104 |
| Loan and lease loss provision to assets | 0.1689% | 5,352 |
| Net operating income to assets | 0.0771% | 5,825 |
| Return on assets (ROA) | 0.2309% | 5,577 |
| Pretax return on assets | 0.4036% | 5,206 |
| Return on Equity (ROE) | 2.2014% | 5,533 |
| Retained earnings to average equity (ytd only) | 2.2014% | 4,851 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.1755% | 895 |
| Assets per employee ($millions) | 2.5253% | 7,055 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7498% | 7,109 |
| Loan loss allowance to noncurrent loans | 35.9312% | 5,937 |
| Noncurrent assets plus other real estate owned to assets | 1.3491% | 4,468 |
| Noncurrent loans to loans | 2.0867% | 3,584 |
| Net loans and leases to total assets | 64.1660% | 4,093 |
| Net loans and leases to deposits | 72.3432% | 4,785 |
| Net loans and leases to core deposits | 76.0598% | 5,049 |
| Total domestic deposits to total assets | 88.6967% | 1,563 |
| Equity capital to assets | 10.2069% | 3,873 |
| Core capital (leverage) ratio | 10.6648% | 2,541 |
| Tier 1 risk-based capital ratio | 14.4642% | 3,524 |
| Total risk-based capital ratio | 15.1520% | 3,883 |
| Memoranda: | ||
| Average total assets | $71,029,000 | 5,915 |
| Average earning assets | $64,120,750 | 5,916 |
| Average equity | $7,449,750 | 5,967 |
| Average total loans | $49,869,250 | 5,575 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4464% | 6,814 |
| Cost of funding earning assets | 0.9257% | 6,480 |
| Net interest margin | 3.5207% | 5,158 |
| Noninterest income to average assets | 5.6477% | 120 |
| Noninterest expense to average assets | 8.4873% | 104 |
| Loan and lease loss provision to assets | 0.1707% | 5,164 |
| Net operating income to assets | 0.0913% | 5,888 |
| Return on assets (ROA) | 0.3244% | 5,256 |
| Pretax return on assets | 0.5463% | 4,753 |
| Return on Equity (ROE) | 3.0640% | 5,184 |
| Retained earnings to average equity (ytd only) | 3.0640% | 4,150 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.0090% | 965 |
| Assets per employee ($millions) | 2.8305% | 6,509 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6407% | 7,355 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 65.9466% | 3,848 |
| Net loans and leases to deposits | 73.9400% | 4,684 |
| Net loans and leases to core deposits | 78.7607% | 4,837 |
| Total domestic deposits to total assets | 89.1893% | 1,329 |
| Equity capital to assets | 9.7443% | 4,346 |
| Core capital (leverage) ratio | 10.9696% | 2,264 |
| Tier 1 risk-based capital ratio | 13.2482% | 4,253 |
| Total risk-based capital ratio | 13.8256% | 4,770 |
| Memoranda: | ||
| Average total assets | $70,293,670 | 5,971 |
| Average earning assets | $63,737,000 | 5,964 |
| Average equity | $7,441,330 | 5,988 |
| Average total loans | $50,710,000 | 5,576 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5747% | 6,624 |
| Cost of funding earning assets | 0.9668% | 6,520 |
| Net interest margin | 3.6078% | 4,693 |
| Noninterest income to average assets | 5.9975% | 121 |
| Noninterest expense to average assets | 8.9129% | 98 |
| Loan and lease loss provision to assets | 0.1785% | 4,742 |
| Net operating income to assets | 0.1195% | 5,972 |
| Return on assets (ROA) | 0.6069% | 4,013 |
| Pretax return on assets | 0.9758% | 3,184 |
| Return on Equity (ROE) | 5.4850% | 4,108 |
| Retained earnings to average equity (ytd only) | 5.4850% | 2,873 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.7801% | 1,040 |
| Assets per employee ($millions) | 2.3611% | 7,381 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5604% | 7,542 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 79.1838% | 949 |
| Net loans and leases to deposits | 90.5725% | 1,821 |
| Net loans and leases to core deposits | 101.8899% | 1,924 |
| Total domestic deposits to total assets | 87.4259% | 2,400 |
| Equity capital to assets | 11.2672% | 2,524 |
| Core capital (leverage) ratio | 11.0011% | 2,232 |
| Tier 1 risk-based capital ratio | 13.5674% | 3,948 |
| Total risk-based capital ratio | 14.1050% | 4,407 |
| Memoranda: | ||
| Average total assets | $67,228,500 | 6,129 |
| Average earning assets | $61,643,500 | 6,100 |
| Average equity | $7,438,500 | 6,039 |
| Average total loans | $50,703,000 | 5,642 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4385% | 7,443 |
| Cost of funding earning assets | 1.2284% | 6,557 |
| Net interest margin | 3.2100% | 6,054 |
| Noninterest income to average assets | 9.2715% | 77 |
| Noninterest expense to average assets | 13.6311% | 67 |
| Loan and lease loss provision to assets | 0.3639% | 4,618 |
| Net operating income to assets | -1.3953% | 6,811 |
| Return on assets (ROA) | -1.3953% | 6,815 |
| Pretax return on assets | -1.8708% | 6,887 |
| Return on Equity (ROE) | -9.4865% | 6,581 |
| Retained earnings to average equity (ytd only) | -9.4865% | 6,477 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 112.4284% | 759 |
| Assets per employee ($millions) | 2.2782% | 7,494 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5435% | 7,628 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 70.9576% | 3,020 |
| Net loans and leases to deposits | 80.9467% | 3,809 |
| Net loans and leases to core deposits | 112.8969% | 2,609 |
| Total domestic deposits to total assets | 87.6597% | 2,143 |
| Equity capital to assets | 10.8684% | 2,803 |
| Core capital (leverage) ratio | 11.2654% | 2,065 |
| Tier 1 risk-based capital ratio | 14.2199% | 3,367 |
| Total risk-based capital ratio | 14.7331% | 3,781 |
| Memoranda: | ||
| Average total assets | $54,683,600 | 6,537 |
| Average earning assets | $48,598,000 | 6,577 |
| Average equity | $8,043,000 | 5,907 |
| Average total loans | $37,670,200 | 6,211 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3615% | 7,632 |
| Cost of funding earning assets | 1.2558% | 6,694 |
| Net interest margin | 3.1056% | 6,302 |
| Noninterest income to average assets | 11.0475% | 66 |
| Noninterest expense to average assets | 12.1216% | 85 |
| Loan and lease loss provision to assets | 0.2965% | 4,596 |
| Net operating income to assets | 0.8296% | 2,697 |
| Return on assets (ROA) | 0.8296% | 2,758 |
| Pretax return on assets | 1.3627% | 1,790 |
| Return on Equity (ROE) | 5.1889% | 3,883 |
| Retained earnings to average equity (ytd only) | 5.1889% | 2,381 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.9600% | 1,879 |
| Assets per employee ($millions) | 1.9621% | 7,825 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3936% | 7,824 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 70.3521% | 3,427 |
| Net loans and leases to deposits | 81.6757% | 4,083 |
| Net loans and leases to core deposits | 104.0617% | 3,926 |
| Total domestic deposits to total assets | 86.1359% | 2,623 |
| Equity capital to assets | 12.9884% | 1,705 |
| Core capital (leverage) ratio | 12.1303% | 1,744 |
| Tier 1 risk-based capital ratio | 16.9484% | 2,292 |
| Total risk-based capital ratio | 17.3145% | 2,536 |
| Memoranda: | ||
| Average total assets | $51,268,250 | 6,715 |
| Average earning assets | $45,121,000 | 6,770 |
| Average equity | $8,196,750 | 5,915 |
| Average total loans | $34,897,500 | 6,406 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2286% | 7,813 |
| Cost of funding earning assets | 1.2744% | 6,887 |
| Net interest margin | 2.9542% | 6,673 |
| Noninterest income to average assets | 13.7597% | 54 |
| Noninterest expense to average assets | 13.4304% | 77 |
| Loan and lease loss provision to assets | 0.1454% | 5,620 |
| Net operating income to assets | 1.7189% | 540 |
| Return on assets (ROA) | 1.7189% | 589 |
| Pretax return on assets | 2.7708% | 135 |
| Return on Equity (ROE) | 9.8946% | 2,056 |
| Retained earnings to average equity (ytd only) | 9.8946% | 757 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.1606% | 2,705 |
| Assets per employee ($millions) | 1.8454% | 7,945 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2686% | 8,014 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 64.9023% | 4,780 |
| Net loans and leases to deposits | 77.2374% | 4,989 |
| Net loans and leases to core deposits | 106.9293% | 3,728 |
| Total domestic deposits to total assets | 84.0296% | 3,751 |
| Equity capital to assets | 14.7817% | 1,086 |
| Core capital (leverage) ratio | 17.1657% | 597 |
| Tier 1 risk-based capital ratio | 20.2785% | 1,519 |
| Total risk-based capital ratio | 20.5195% | 1,683 |
| Memoranda: | ||
| Average total assets | $46,774,330 | 6,948 |
| Average earning assets | $40,959,000 | 7,018 |
| Average equity | $8,125,670 | 5,975 |
| Average total loans | $31,285,670 | 6,654 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3714% | 7,815 |
| Cost of funding earning assets | 1.2973% | 7,020 |
| Net interest margin | 3.0742% | 6,273 |
| Noninterest income to average assets | 9.7597% | 69 |
| Noninterest expense to average assets | 13.2440% | 80 |
| Loan and lease loss provision to assets | 0.1636% | 4,838 |
| Net operating income to assets | -0.6930% | 7,050 |
| Return on assets (ROA) | -0.6930% | 7,087 |
| Pretax return on assets | -0.9336% | 7,116 |
| Return on Equity (ROE) | -3.6179% | 6,850 |
| Retained earnings to average equity (ytd only) | -3.6179% | 6,374 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.1728% | 925 |
| Assets per employee ($millions) | 1.5228% | 8,106 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2659% | 8,058 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 70.4959% | 3,572 |
| Net loans and leases to deposits | 87.0335% | 3,466 |
| Net loans and leases to core deposits | 131.1055% | 1,594 |
| Total domestic deposits to total assets | 80.9986% | 4,970 |
| Equity capital to assets | 17.9167% | 615 |
| Core capital (leverage) ratio | 19.3353% | 426 |
| Tier 1 risk-based capital ratio | 22.5172% | 1,246 |
| Total risk-based capital ratio | 22.7615% | 1,336 |
| Memoranda: | ||
| Average total assets | $41,558,500 | 7,188 |
| Average earning assets | $36,693,000 | 7,232 |
| Average equity | $7,960,500 | 6,076 |
| Average total loans | $28,314,500 | 6,862 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7037% | 7,975 |
| Cost of funding earning assets | 1.2422% | 7,897 |
| Net interest margin | 3.4614% | 5,433 |
| Noninterest income to average assets | 17.9459% | 50 |
| Noninterest expense to average assets | 23.2450% | 48 |
| Loan and lease loss provision to assets | 0.2551% | 4,366 |
| Net operating income to assets | -1.8939% | 7,584 |
| Return on assets (ROA) | -1.8939% | 7,538 |
| Pretax return on assets | -2.5278% | 7,599 |
| Return on Equity (ROE) | -6.0324% | 6,962 |
| Retained earnings to average equity (ytd only) | -6.0324% | 6,668 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.8367% | 692 |
| Assets per employee ($millions) | 1.3913% | 8,185 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2597% | 8,116 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 65.0692% | 5,045 |
| Net loans and leases to deposits | 83.5195% | 4,495 |
| Net loans and leases to core deposits | 128.7143% | 1,945 |
| Total domestic deposits to total assets | 77.9090% | 5,744 |
| Equity capital to assets | 20.5586% | 436 |
| Core capital (leverage) ratio | 23.0151% | 308 |
| Tier 1 risk-based capital ratio | 26.9352% | 833 |
| Total risk-based capital ratio | 27.1642% | 889 |
| Memoranda: | ||
| Average total assets | $25,872,200 | 7,810 |
| Average earning assets | $22,620,600 | 7,837 |
| Average equity | $8,122,800 | 6,034 |
| Average total loans | $13,318,800 | 7,750 |