Home > Bank of Leeton > Performance and Condition Ratios
Bank of Leeton, Performance and Condition Ratios
| 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 | 5.6275% | 3,456 |
| Cost of funding earning assets | 3.4525% | 53 |
| Net interest margin | 2.1750% | 7,656 |
| Noninterest income to average assets | 0.2929% | 6,020 |
| Noninterest expense to average assets | 4.5308% | 775 |
| Loan and lease loss provision to assets | 8.2250% | 39 |
| Net operating income to assets | -10.5009% | 7,976 |
| Return on assets (ROA) | -10.5009% | 7,976 |
| Pretax return on assets | -10.6180% | 7,974 |
| Return on Equity (ROE) | -563.7916% | 8,011 |
| Retained earnings to average equity (ytd only) | -563.7916% | 8,011 |
| Net charge-offs to loans | 11.3019% | 27 |
| Credit loss provision to net charge-offs | 97.5682% | 5,702 |
| Earnings coverage of net charge-offs (x) | -0.2839% | 6,531 |
| Efficiency ratio | 201.3699% | 136 |
| Assets per employee ($millions) | 2.0128% | 7,722 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4779% | 541 |
| Loan loss allowance to noncurrent loans | 34.2208% | 6,151 |
| Noncurrent assets plus other real estate owned to assets | 10.8903% | 314 |
| Noncurrent loans to loans | 10.1630% | 400 |
| Net loans and leases to total assets | 72.6649% | 2,589 |
| Net loans and leases to deposits | 71.9253% | 5,338 |
| Net loans and leases to core deposits | 95.9397% | 4,477 |
| Total domestic deposits to total assets | 101.0284% | 5 |
| Equity capital to assets | -1.3514% | 8,003 |
| Core capital (leverage) ratio | -1.2507% | 8,005 |
| Tier 1 risk-based capital ratio | -1.7478% | 8,005 |
| Total risk-based capital ratio | -1.7478% | 8,005 |
| Memoranda: | ||
| Average total assets | $23,902,800 | 7,672 |
| Average earning assets | $20,275,400 | 7,706 |
| Average equity | $445,200 | 8,007 |
| Average total loans | $17,828,800 | 7,322 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4420% | 4,724 |
| Cost of funding earning assets | 3.6052% | 45 |
| Net interest margin | 1.8368% | 7,875 |
| Noninterest income to average assets | 0.2737% | 6,274 |
| Noninterest expense to average assets | 4.2822% | 933 |
| Loan and lease loss provision to assets | 7.8829% | 46 |
| Net operating income to assets | -10.0508% | 8,046 |
| Return on assets (ROA) | -10.0508% | 8,045 |
| Pretax return on assets | -10.3084% | 8,045 |
| Return on Equity (ROE) | -399.8831% | 8,091 |
| Retained earnings to average equity (ytd only) | -399.8831% | 8,091 |
| Net charge-offs to loans | 10.2136% | 46 |
| Credit loss provision to net charge-offs | 103.6697% | 4,910 |
| Earnings coverage of net charge-offs (x) | -0.3190% | 6,371 |
| Efficiency ratio | 215.0289% | 122 |
| Assets per employee ($millions) | 2.2827% | 7,521 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6704% | 366 |
| Loan loss allowance to noncurrent loans | 31.2905% | 6,361 |
| Noncurrent assets plus other real estate owned to assets | 11.1140% | 277 |
| Noncurrent loans to loans | 11.7300% | 285 |
| Net loans and leases to total assets | 72.2040% | 2,984 |
| Net loans and leases to deposits | 73.7186% | 5,401 |
| Net loans and leases to core deposits | 87.9744% | 5,643 |
| Total domestic deposits to total assets | 97.9454% | 13 |
| Equity capital to assets | 1.6034% | 8,062 |
| Core capital (leverage) ratio | 1.5419% | 8,058 |
| Tier 1 risk-based capital ratio | 2.0449% | 8,060 |
| Total risk-based capital ratio | 3.3244% | 8,059 |
| Memoranda: | ||
| Average total assets | $24,846,500 | 7,715 |
| Average earning assets | $21,413,000 | 7,735 |
| Average equity | $624,500 | 8,087 |
| Average total loans | $18,497,750 | 7,354 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3757% | 5,273 |
| Cost of funding earning assets | 3.5662% | 88 |
| Net interest margin | 1.8096% | 7,938 |
| Noninterest income to average assets | 0.2273% | 6,660 |
| Noninterest expense to average assets | 4.7963% | 598 |
| Loan and lease loss provision to assets | 10.5566% | 24 |
| Net operating income to assets | -13.1428% | 8,154 |
| Return on assets (ROA) | -13.1428% | 8,148 |
| Pretax return on assets | -13.5190% | 8,148 |
| Return on Equity (ROE) | -471.9490% | 8,179 |
| Retained earnings to average equity (ytd only) | -471.9490% | 8,179 |
| Net charge-offs to loans | 14.7466% | 24 |
| Credit loss provision to net charge-offs | 96.3519% | 4,729 |
| Earnings coverage of net charge-offs (x) | -0.2704% | 5,933 |
| Efficiency ratio | 241.0256% | 127 |
| Assets per employee ($millions) | 2.4524% | 7,341 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9271% | 601 |
| Loan loss allowance to noncurrent loans | 26.7448% | 6,717 |
| Noncurrent assets plus other real estate owned to assets | 9.5906% | 327 |
| Noncurrent loans to loans | 10.9445% | 283 |
| Net loans and leases to total assets | 70.9958% | 3,465 |
| Net loans and leases to deposits | 75.0798% | 5,306 |
| Net loans and leases to core deposits | 86.7643% | 5,830 |
| Total domestic deposits to total assets | 94.5604% | 48 |
| Equity capital to assets | 0.8645% | 8,162 |
| Core capital (leverage) ratio | 0.8340% | 8,167 |
| Tier 1 risk-based capital ratio | 1.1413% | 8,165 |
| Total risk-based capital ratio | 2.2826% | 8,165 |
| Memoranda: | ||
| Average total assets | $25,519,670 | 7,774 |
| Average earning assets | $22,657,330 | 7,773 |
| Average equity | $710,670 | 8,178 |
| Average total loans | $18,960,330 | 7,397 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3486% | 5,663 |
| Cost of funding earning assets | 3.5311% | 139 |
| Net interest margin | 1.8175% | 7,971 |
| Noninterest income to average assets | 0.1845% | 6,976 |
| Noninterest expense to average assets | 5.9037% | 300 |
| Loan and lease loss provision to assets | 15.6049% | 18 |
| Net operating income to assets | -19.7098% | 8,221 |
| Return on assets (ROA) | -19.7098% | 8,215 |
| Pretax return on assets | -19.7098% | 8,211 |
| Return on Equity (ROE) | -534.1667% | 8,240 |
| Retained earnings to average equity (ytd only) | -534.1667% | 8,240 |
| Net charge-offs to loans | 25.8005% | 6 |
| Credit loss provision to net charge-offs | 80.8121% | 4,176 |
| Earnings coverage of net charge-offs (x) | -0.2126% | 5,140 |
| Efficiency ratio | 287.1795% | 94 |
| Assets per employee ($millions) | 2.6441% | 6,991 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7871% | 1,882 |
| Loan loss allowance to noncurrent loans | 18.9266% | 7,224 |
| Noncurrent assets plus other real estate owned to assets | 8.6305% | 309 |
| Noncurrent loans to loans | 9.4425% | 326 |
| Net loans and leases to total assets | 69.6267% | 3,772 |
| Net loans and leases to deposits | 74.4771% | 5,420 |
| Net loans and leases to core deposits | 86.7782% | 5,846 |
| Total domestic deposits to total assets | 93.4874% | 61 |
| Equity capital to assets | 2.2919% | 8,216 |
| Core capital (leverage) ratio | 2.2934% | 8,215 |
| Tier 1 risk-based capital ratio | 3.0486% | 8,214 |
| Total risk-based capital ratio | 4.3063% | 8,215 |
| Memoranda: | ||
| Average total assets | $26,017,500 | 7,799 |
| Average earning assets | $23,109,000 | 7,803 |
| Average equity | $960,000 | 8,211 |
| Average total loans | $19,472,500 | 7,410 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8024% | 1,665 |
| Cost of funding earning assets | 3.7717% | 218 |
| Net interest margin | 3.0307% | 6,835 |
| Noninterest income to average assets | 0.1274% | 7,476 |
| Noninterest expense to average assets | 3.0116% | 4,045 |
| Loan and lease loss provision to assets | 2.2746% | 501 |
| Net operating income to assets | -2.4611% | 7,698 |
| Return on assets (ROA) | -2.4611% | 7,669 |
| Pretax return on assets | -2.4611% | 7,580 |
| Return on Equity (ROE) | -31.3514% | 7,980 |
| Retained earnings to average equity (ytd only) | -31.3514% | 7,932 |
| Net charge-offs to loans | 0.3246% | 3,232 |
| Credit loss provision to net charge-offs | 961.5385% | 463 |
| Earnings coverage of net charge-offs (x) | -0.7885% | 6,559 |
| Efficiency ratio | 106.6023% | 797 |
| Assets per employee ($millions) | 2.5594% | 7,089 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8515% | 491 |
| Loan loss allowance to noncurrent loans | 25.7258% | 6,954 |
| Noncurrent assets plus other real estate owned to assets | 9.6663% | 183 |
| Noncurrent loans to loans | 11.0842% | 166 |
| Net loans and leases to total assets | 76.6742% | 2,456 |
| Net loans and leases to deposits | 84.7323% | 4,306 |
| Net loans and leases to core deposits | 97.1389% | 5,137 |
| Total domestic deposits to total assets | 90.4900% | 494 |
| Equity capital to assets | 5.1340% | 8,172 |
| Core capital (leverage) ratio | 5.1126% | 8,198 |
| Tier 1 risk-based capital ratio | 6.4854% | 8,205 |
| Total risk-based capital ratio | 7.7538% | 8,209 |
| Memoranda: | ||
| Average total assets | $21,981,800 | 7,947 |
| Average earning assets | $19,566,600 | 7,954 |
| Average equity | $1,725,600 | 8,176 |
| Average total loans | $16,018,200 | 7,589 |