Home > Bank of Texas. > Performance and Condition Ratios
Bank of Texas., Performance and Condition Ratios
| 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 | 3.2700% | 7,453 |
| Cost of funding earning assets | 0.5438% | 7,237 |
| Net interest margin | 2.7262% | 7,103 |
| Noninterest income to average assets | 0.7684% | 2,436 |
| Noninterest expense to average assets | 2.1988% | 6,617 |
| Loan and lease loss provision to assets | 0.2064% | 5,182 |
| Net operating income to assets | 0.5333% | 3,953 |
| Return on assets (ROA) | 0.4684% | 4,401 |
| Pretax return on assets | 0.6821% | 4,040 |
| Return on Equity (ROE) | 4.0040% | 4,524 |
| Retained earnings to average equity (ytd only) | 4.0040% | 3,063 |
| Net charge-offs to loans | 0.5368% | 3,467 |
| Credit loss provision to net charge-offs | 78.4120% | 5,619 |
| Earnings coverage of net charge-offs (x) | 3.7322% | 3,216 |
| Efficiency ratio | 67.7999% | 4,601 |
| Assets per employee ($millions) | 8.3511% | 420 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4845% | 1,428 |
| Loan loss allowance to noncurrent loans | 214.0355% | 1,413 |
| Noncurrent assets plus other real estate owned to assets | 1.1376% | 4,738 |
| Noncurrent loans to loans | 1.1608% | 4,782 |
| Net loans and leases to total assets | 45.9730% | 6,560 |
| Net loans and leases to deposits | 61.5312% | 5,892 |
| Net loans and leases to core deposits | 64.9880% | 5,982 |
| Total domestic deposits to total assets | 74.7149% | 6,806 |
| Equity capital to assets | 12.0758% | 1,869 |
| Core capital (leverage) ratio | 8.0604% | 6,093 |
| Tier 1 risk-based capital ratio | 11.0039% | 6,320 |
| Total risk-based capital ratio | 12.2601% | 6,290 |
| Memoranda: | ||
| Average total assets | $5,563,213,400 | 157 |
| Average earning assets | $4,924,317,800 | 157 |
| Average equity | $650,853,600 | 159 |
| Average total loans | $2,728,364,800 | 189 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3185% | 7,577 |
| Cost of funding earning assets | 0.5717% | 7,342 |
| Net interest margin | 2.7468% | 7,187 |
| Noninterest income to average assets | 0.7476% | 2,524 |
| Noninterest expense to average assets | 2.1960% | 6,614 |
| Loan and lease loss provision to assets | 0.2104% | 4,963 |
| Net operating income to assets | 0.4886% | 4,369 |
| Return on assets (ROA) | 0.4213% | 4,835 |
| Pretax return on assets | 0.6657% | 4,368 |
| Return on Equity (ROE) | 3.6302% | 4,947 |
| Retained earnings to average equity (ytd only) | 3.6302% | 3,893 |
| Net charge-offs to loans | 0.6821% | 2,719 |
| Credit loss provision to net charge-offs | 62.2832% | 5,633 |
| Earnings coverage of net charge-offs (x) | 2.9055% | 3,678 |
| Efficiency ratio | 67.7949% | 4,502 |
| Assets per employee ($millions) | 7.9848% | 511 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3866% | 1,491 |
| Loan loss allowance to noncurrent loans | 190.0500% | 1,511 |
| Noncurrent assets plus other real estate owned to assets | 1.1413% | 4,838 |
| Noncurrent loans to loans | 1.2558% | 4,755 |
| Net loans and leases to total assets | 47.1331% | 6,599 |
| Net loans and leases to deposits | 63.2958% | 5,994 |
| Net loans and leases to core deposits | 67.4602% | 5,997 |
| Total domestic deposits to total assets | 74.4648% | 6,863 |
| Equity capital to assets | 12.1202% | 2,080 |
| Core capital (leverage) ratio | 8.1817% | 6,071 |
| Tier 1 risk-based capital ratio | 10.7796% | 6,561 |
| Total risk-based capital ratio | 12.0352% | 6,539 |
| Memoranda: | ||
| Average total assets | $5,553,120,250 | 155 |
| Average earning assets | $4,912,202,250 | 157 |
| Average equity | $644,397,000 | 157 |
| Average total loans | $2,750,013,750 | 187 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3394% | 7,650 |
| Cost of funding earning assets | 0.5892% | 7,428 |
| Net interest margin | 2.7502% | 7,201 |
| Noninterest income to average assets | 0.7798% | 2,237 |
| Noninterest expense to average assets | 2.1763% | 6,708 |
| Loan and lease loss provision to assets | 0.3040% | 3,964 |
| Net operating income to assets | 0.4731% | 4,447 |
| Return on assets (ROA) | 0.4248% | 4,798 |
| Pretax return on assets | 0.6566% | 4,379 |
| Return on Equity (ROE) | 3.7156% | 4,918 |
| Retained earnings to average equity (ytd only) | 3.7156% | 3,737 |
| Net charge-offs to loans | 0.7982% | 2,252 |
| Credit loss provision to net charge-offs | 76.2686% | 4,808 |
| Earnings coverage of net charge-offs (x) | 2.5964% | 3,699 |
| Efficiency ratio | 66.4728% | 4,891 |
| Assets per employee ($millions) | 7.9166% | 520 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4226% | 1,407 |
| Loan loss allowance to noncurrent loans | 140.2026% | 1,981 |
| Noncurrent assets plus other real estate owned to assets | 1.3145% | 4,517 |
| Noncurrent loans to loans | 1.7279% | 4,095 |
| Net loans and leases to total assets | 49.2140% | 6,526 |
| Net loans and leases to deposits | 68.8458% | 5,436 |
| Net loans and leases to core deposits | 73.4922% | 5,498 |
| Total domestic deposits to total assets | 71.4844% | 7,222 |
| Equity capital to assets | 12.0739% | 2,056 |
| Core capital (leverage) ratio | 8.2065% | 5,935 |
| Tier 1 risk-based capital ratio | 10.4685% | 6,710 |
| Total risk-based capital ratio | 11.7247% | 6,687 |
| Memoranda: | ||
| Average total assets | $5,567,649,000 | 158 |
| Average earning assets | $4,921,836,330 | 158 |
| Average equity | $636,608,000 | 159 |
| Average total loans | $2,779,917,000 | 186 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2926% | 7,757 |
| Cost of funding earning assets | 0.6169% | 7,512 |
| Net interest margin | 2.6757% | 7,322 |
| Noninterest income to average assets | 0.7921% | 2,061 |
| Noninterest expense to average assets | 2.1320% | 6,857 |
| Loan and lease loss provision to assets | 1.0276% | 1,208 |
| Net operating income to assets | 0.0045% | 6,274 |
| Return on assets (ROA) | -0.0495% | 6,451 |
| Pretax return on assets | -0.0863% | 6,449 |
| Return on Equity (ROE) | -0.4452% | 6,458 |
| Retained earnings to average equity (ytd only) | -0.4452% | 5,932 |
| Net charge-offs to loans | 0.9163% | 1,751 |
| Credit loss provision to net charge-offs | 225.7161% | 1,677 |
| Earnings coverage of net charge-offs (x) | 2.2530% | 3,412 |
| Efficiency ratio | 66.2111% | 5,072 |
| Assets per employee ($millions) | 7.7396% | 578 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7966% | 990 |
| Loan loss allowance to noncurrent loans | 128.7875% | 2,158 |
| Noncurrent assets plus other real estate owned to assets | 1.5422% | 4,187 |
| Noncurrent loans to loans | 2.1715% | 3,569 |
| Net loans and leases to total assets | 49.8887% | 6,472 |
| Net loans and leases to deposits | 69.7532% | 5,378 |
| Net loans and leases to core deposits | 75.0526% | 5,380 |
| Total domestic deposits to total assets | 71.5216% | 7,310 |
| Equity capital to assets | 11.7973% | 2,167 |
| Core capital (leverage) ratio | 7.5396% | 6,812 |
| Tier 1 risk-based capital ratio | 10.0037% | 7,035 |
| Total risk-based capital ratio | 11.2629% | 7,015 |
| Memoranda: | ||
| Average total assets | $5,643,987,500 | 157 |
| Average earning assets | $4,990,146,500 | 158 |
| Average equity | $628,012,000 | 160 |
| Average total loans | $2,804,331,500 | 191 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6223% | 7,807 |
| Cost of funding earning assets | 0.9458% | 7,316 |
| Net interest margin | 2.6765% | 7,243 |
| Noninterest income to average assets | 0.8841% | 2,013 |
| Noninterest expense to average assets | 2.6162% | 5,731 |
| Loan and lease loss provision to assets | 0.6498% | 3,202 |
| Net operating income to assets | 0.0008% | 5,481 |
| Return on assets (ROA) | -0.1027% | 5,690 |
| Pretax return on assets | -0.1962% | 5,701 |
| Return on Equity (ROE) | -0.8622% | 5,678 |
| Retained earnings to average equity (ytd only) | -0.8622% | 5,216 |
| Net charge-offs to loans | 0.7559% | 2,931 |
| Credit loss provision to net charge-offs | 143.1543% | 3,353 |
| Earnings coverage of net charge-offs (x) | 1.3558% | 4,775 |
| Efficiency ratio | 79.2108% | 3,006 |
| Assets per employee ($millions) | 8.6728% | 390 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4056% | 1,343 |
| Loan loss allowance to noncurrent loans | 102.2898% | 2,754 |
| Noncurrent assets plus other real estate owned to assets | 1.4933% | 4,143 |
| Noncurrent loans to loans | 2.3517% | 3,226 |
| Net loans and leases to total assets | 47.0495% | 6,892 |
| Net loans and leases to deposits | 69.1665% | 5,703 |
| Net loans and leases to core deposits | 82.5105% | 5,872 |
| Total domestic deposits to total assets | 68.0236% | 7,549 |
| Equity capital to assets | 10.5220% | 3,153 |
| Core capital (leverage) ratio | 7.2390% | 7,040 |
| Tier 1 risk-based capital ratio | 9.3642% | 7,295 |
| Total risk-based capital ratio | 10.6196% | 7,280 |
| Memoranda: | ||
| Average total assets | $5,115,268,200 | 168 |
| Average earning assets | $4,486,542,000 | 169 |
| Average equity | $609,362,000 | 159 |
| Average total loans | $3,071,730,600 | 191 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7958% | 7,870 |
| Cost of funding earning assets | 1.0471% | 7,292 |
| Net interest margin | 2.7487% | 7,135 |
| Noninterest income to average assets | 0.9088% | 1,944 |
| Noninterest expense to average assets | 2.7405% | 5,144 |
| Loan and lease loss provision to assets | 0.7044% | 2,619 |
| Net operating income to assets | -0.0879% | 5,870 |
| Return on assets (ROA) | -0.1680% | 6,019 |
| Pretax return on assets | -0.2519% | 6,043 |
| Return on Equity (ROE) | -1.3625% | 5,995 |
| Retained earnings to average equity (ytd only) | -1.3625% | 5,576 |
| Net charge-offs to loans | 0.6594% | 2,709 |
| Credit loss provision to net charge-offs | 167.8983% | 2,787 |
| Earnings coverage of net charge-offs (x) | 1.3639% | 4,763 |
| Efficiency ratio | 80.9520% | 2,714 |
| Assets per employee ($millions) | 7.7044% | 581 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3366% | 1,257 |
| Loan loss allowance to noncurrent loans | 98.6963% | 2,811 |
| Noncurrent assets plus other real estate owned to assets | 1.6082% | 3,937 |
| Noncurrent loans to loans | 2.3674% | 3,187 |
| Net loans and leases to total assets | 53.2287% | 6,468 |
| Net loans and leases to deposits | 74.1824% | 5,343 |
| Net loans and leases to core deposits | 87.7268% | 5,667 |
| Total domestic deposits to total assets | 71.7538% | 7,237 |
| Equity capital to assets | 11.2065% | 2,828 |
| Core capital (leverage) ratio | 7.8885% | 6,515 |
| Tier 1 risk-based capital ratio | 9.4587% | 7,401 |
| Total risk-based capital ratio | 10.7149% | 7,362 |
| Memoranda: | ||
| Average total assets | $4,911,037,000 | 180 |
| Average earning assets | $4,294,958,750 | 184 |
| Average equity | $605,656,500 | 164 |
| Average total loans | $3,124,697,500 | 194 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9833% | 7,911 |
| Cost of funding earning assets | 1.1563% | 7,227 |
| Net interest margin | 2.8270% | 6,961 |
| Noninterest income to average assets | 0.9512% | 1,754 |
| Noninterest expense to average assets | 2.8388% | 4,783 |
| Loan and lease loss provision to assets | 0.3807% | 3,648 |
| Net operating income to assets | 0.1208% | 5,499 |
| Return on assets (ROA) | 0.0299% | 5,842 |
| Pretax return on assets | 0.0478% | 5,786 |
| Return on Equity (ROE) | 0.2346% | 5,853 |
| Retained earnings to average equity (ytd only) | 0.2346% | 5,120 |
| Net charge-offs to loans | 0.7247% | 2,243 |
| Credit loss provision to net charge-offs | 78.2805% | 5,243 |
| Earnings coverage of net charge-offs (x) | 1.1731% | 4,645 |
| Efficiency ratio | 81.4768% | 2,800 |
| Assets per employee ($millions) | 7.0956% | 744 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8254% | 1,976 |
| Loan loss allowance to noncurrent loans | 102.8605% | 2,820 |
| Noncurrent assets plus other real estate owned to assets | 1.3490% | 4,257 |
| Noncurrent loans to loans | 1.7746% | 3,843 |
| Net loans and leases to total assets | 58.1128% | 5,947 |
| Net loans and leases to deposits | 80.9531% | 4,400 |
| Net loans and leases to core deposits | 96.3046% | 4,868 |
| Total domestic deposits to total assets | 71.7858% | 7,266 |
| Equity capital to assets | 11.7473% | 2,354 |
| Core capital (leverage) ratio | 8.5604% | 5,334 |
| Tier 1 risk-based capital ratio | 9.4742% | 7,410 |
| Total risk-based capital ratio | 10.7263% | 7,368 |
| Memoranda: | ||
| Average total assets | $4,734,938,670 | 194 |
| Average earning assets | $4,117,228,000 | 198 |
| Average equity | $604,355,670 | 168 |
| Average total loans | $3,178,078,670 | 197 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2335% | 7,892 |
| Cost of funding earning assets | 1.2410% | 7,200 |
| Net interest margin | 2.9926% | 6,497 |
| Noninterest income to average assets | 1.1258% | 1,167 |
| Noninterest expense to average assets | 2.8655% | 4,276 |
| Loan and lease loss provision to assets | 1.1737% | 1,107 |
| Net operating income to assets | -0.2135% | 6,578 |
| Return on assets (ROA) | -0.3944% | 6,852 |
| Pretax return on assets | -0.6145% | 6,918 |
| Return on Equity (ROE) | -2.9536% | 6,771 |
| Retained earnings to average equity (ytd only) | -2.9536% | 6,272 |
| Net charge-offs to loans | 0.6714% | 1,840 |
| Credit loss provision to net charge-offs | 243.7939% | 1,911 |
| Earnings coverage of net charge-offs (x) | 1.7486% | 3,858 |
| Efficiency ratio | 75.5613% | 3,557 |
| Assets per employee ($millions) | 6.5956% | 920 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0843% | 1,264 |
| Loan loss allowance to noncurrent loans | 112.3772% | 2,759 |
| Noncurrent assets plus other real estate owned to assets | 1.4937% | 3,692 |
| Noncurrent loans to loans | 1.8548% | 3,482 |
| Net loans and leases to total assets | 66.3050% | 4,515 |
| Net loans and leases to deposits | 85.8365% | 3,661 |
| Net loans and leases to core deposits | 102.0314% | 4,345 |
| Total domestic deposits to total assets | 77.2456% | 6,217 |
| Equity capital to assets | 12.7076% | 1,883 |
| Core capital (leverage) ratio | 9.2705% | 4,288 |
| Tier 1 risk-based capital ratio | 9.5085% | 7,420 |
| Total risk-based capital ratio | 10.7638% | 7,363 |
| Memoranda: | ||
| Average total assets | $4,498,328,000 | 199 |
| Average earning assets | $3,880,549,000 | 204 |
| Average equity | $600,624,500 | 166 |
| Average total loans | $3,225,677,000 | 194 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6256% | 6,996 |
| Cost of funding earning assets | 1.7881% | 7,035 |
| Net interest margin | 3.8375% | 3,850 |
| Noninterest income to average assets | 0.9705% | 1,688 |
| Noninterest expense to average assets | 2.7810% | 4,907 |
| Loan and lease loss provision to assets | 1.0238% | 1,435 |
| Net operating income to assets | 0.3178% | 5,488 |
| Return on assets (ROA) | 0.3201% | 5,299 |
| Pretax return on assets | 0.4866% | 5,008 |
| Return on Equity (ROE) | 2.2849% | 5,503 |
| Retained earnings to average equity (ytd only) | -0.5062% | 5,439 |
| Net charge-offs to loans | 0.5282% | 2,252 |
| Credit loss provision to net charge-offs | 275.1777% | 1,663 |
| Earnings coverage of net charge-offs (x) | 4.0503% | 4,125 |
| Efficiency ratio | 63.2390% | 5,726 |
| Assets per employee ($millions) | 6.2676% | 999 |
| Cash dividends to net income (ytd only)* | 122.1528% | 658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8041% | 1,624 |
| Loan loss allowance to noncurrent loans | 133.2276% | 2,727 |
| Noncurrent assets plus other real estate owned to assets | 1.1460% | 3,976 |
| Noncurrent loans to loans | 1.3541% | 3,811 |
| Net loans and leases to total assets | 74.7330% | 2,935 |
| Net loans and leases to deposits | 93.1885% | 2,930 |
| Net loans and leases to core deposits | 109.3509% | 3,820 |
| Total domestic deposits to total assets | 80.1955% | 4,945 |
| Equity capital to assets | 14.0623% | 1,406 |
| Core capital (leverage) ratio | 9.2979% | 4,301 |
| Tier 1 risk-based capital ratio | 9.8183% | 6,939 |
| Total risk-based capital ratio | 11.0721% | 6,821 |
| Memoranda: | ||
| Average total assets | $4,347,351,000 | 198 |
| Average earning assets | $3,758,138,400 | 204 |
| Average equity | $609,079,000 | 165 |
| Average total loans | $3,062,071,000 | 197 |