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Barnes Banking Company, 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 | 5.1971% | 5,663 |
| Cost of funding earning assets | 2.7510% | 516 |
| Net interest margin | 2.4461% | 7,476 |
| Noninterest income to average assets | -0.4339% | 7,929 |
| Noninterest expense to average assets | 2.1161% | 7,151 |
| Loan and lease loss provision to assets | 12.2740% | 7 |
| Net operating income to assets | -11.7499% | 7,987 |
| Return on assets (ROA) | -11.4157% | 7,984 |
| Pretax return on assets | -12.3379% | 7,986 |
| Return on Equity (ROE) | -237.0464% | 8,004 |
| Retained earnings to average equity (ytd only) | -237.0464% | 8,004 |
| Net charge-offs to loans | 12.1688% | 22 |
| Credit loss provision to net charge-offs | 135.1451% | 3,670 |
| Earnings coverage of net charge-offs (x) | -0.0466% | 6,269 |
| Efficiency ratio | 124.9965% | 529 |
| Assets per employee ($millions) | 4.3507% | 3,192 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 12.6685% | 13 |
| Loan loss allowance to noncurrent loans | 40.4832% | 5,702 |
| Noncurrent assets plus other real estate owned to assets | 32.0524% | 11 |
| Noncurrent loans to loans | 31.2934% | 17 |
| Net loans and leases to total assets | 63.4288% | 4,721 |
| Net loans and leases to deposits | 64.5264% | 6,208 |
| Net loans and leases to core deposits | 80.4127% | 6,049 |
| Total domestic deposits to total assets | 98.2991% | 12 |
| Equity capital to assets | 0.8644% | 7,987 |
| Core capital (leverage) ratio | 0.7340% | 7,987 |
| Tier 1 risk-based capital ratio | 1.0160% | 7,987 |
| Total risk-based capital ratio | 2.0320% | 7,987 |
| Memoranda: | ||
| Average total assets | $846,953,000 | 798 |
| Average earning assets | $736,387,200 | 844 |
| Average equity | $40,787,800 | 1,644 |
| Average total loans | $632,114,400 | 741 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1923% | 5,907 |
| Cost of funding earning assets | 2.7078% | 776 |
| Net interest margin | 2.4845% | 7,478 |
| Noninterest income to average assets | -0.7418% | 8,063 |
| Noninterest expense to average assets | 1.7333% | 7,726 |
| Loan and lease loss provision to assets | 15.4997% | 4 |
| Net operating income to assets | -15.9254% | 8,081 |
| Return on assets (ROA) | -15.4395% | 8,080 |
| Pretax return on assets | -15.3026% | 8,080 |
| Return on Equity (ROE) | -275.1811% | 8,085 |
| Retained earnings to average equity (ytd only) | -275.1811% | 8,085 |
| Net charge-offs to loans | 12.1108% | 31 |
| Credit loss provision to net charge-offs | 170.5585% | 2,731 |
| Earnings coverage of net charge-offs (x) | -0.0318% | 6,106 |
| Efficiency ratio | 119.9916% | 589 |
| Assets per employee ($millions) | 4.8075% | 2,390 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 13.8570% | 5 |
| Loan loss allowance to noncurrent loans | 44.5536% | 5,344 |
| Noncurrent assets plus other real estate owned to assets | 28.7453% | 9 |
| Noncurrent loans to loans | 31.1018% | 13 |
| Net loans and leases to total assets | 63.1702% | 5,043 |
| Net loans and leases to deposits | 63.7083% | 6,517 |
| Net loans and leases to core deposits | 78.8840% | 6,429 |
| Total domestic deposits to total assets | 99.1554% | 8 |
| Equity capital to assets | 0.0540% | 8,085 |
| Core capital (leverage) ratio | 0.0587% | 8,085 |
| Tier 1 risk-based capital ratio | 0.0818% | 8,085 |
| Total risk-based capital ratio | 0.1636% | 8,085 |
| Memoranda: | ||
| Average total assets | $881,398,500 | 777 |
| Average earning assets | $775,614,000 | 809 |
| Average equity | $49,452,250 | 1,382 |
| Average total loans | $661,375,250 | 725 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3279% | 5,511 |
| Cost of funding earning assets | 2.7209% | 987 |
| Net interest margin | 2.6070% | 7,354 |
| Noninterest income to average assets | -0.9377% | 8,153 |
| Noninterest expense to average assets | 0.9840% | 8,128 |
| Loan and lease loss provision to assets | 14.0646% | 15 |
| Net operating income to assets | -11.9728% | 8,150 |
| Return on assets (ROA) | -11.8382% | 8,142 |
| Pretax return on assets | -13.5264% | 8,149 |
| Return on Equity (ROE) | -163.8759% | 8,132 |
| Retained earnings to average equity (ytd only) | -163.8759% | 8,130 |
| Net charge-offs to loans | 10.6842% | 46 |
| Credit loss provision to net charge-offs | 174.2830% | 2,635 |
| Earnings coverage of net charge-offs (x) | 0.0477% | 5,628 |
| Efficiency ratio | 71.8685% | 4,439 |
| Assets per employee ($millions) | 5.3890% | 1,681 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 10.1602% | 17 |
| Loan loss allowance to noncurrent loans | 40.3364% | 5,686 |
| Noncurrent assets plus other real estate owned to assets | 23.1037% | 28 |
| Noncurrent loans to loans | 25.1888% | 27 |
| Net loans and leases to total assets | 66.3589% | 4,496 |
| Net loans and leases to deposits | 70.8466% | 5,892 |
| Net loans and leases to core deposits | 86.0610% | 5,897 |
| Total domestic deposits to total assets | 93.6656% | 67 |
| Equity capital to assets | 5.5892% | 7,991 |
| Core capital (leverage) ratio | 3.6730% | 8,110 |
| Tier 1 risk-based capital ratio | 4.7989% | 8,102 |
| Total risk-based capital ratio | 6.1504% | 8,107 |
| Memoranda: | ||
| Average total assets | $910,783,670 | 775 |
| Average earning assets | $805,909,670 | 790 |
| Average equity | $65,793,670 | 1,029 |
| Average total loans | $687,934,000 | 716 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8415% | 3,085 |
| Cost of funding earning assets | 2.7392% | 1,141 |
| Net interest margin | 3.1024% | 6,191 |
| Noninterest income to average assets | -0.0228% | 8,102 |
| Noninterest expense to average assets | 2.0386% | 7,255 |
| Loan and lease loss provision to assets | 25.8364% | 4 |
| Net operating income to assets | -23.2669% | 8,228 |
| Return on assets (ROA) | -23.2669% | 8,222 |
| Pretax return on assets | -25.1377% | 8,225 |
| Return on Equity (ROE) | -291.1499% | 8,216 |
| Retained earnings to average equity (ytd only) | -291.1499% | 8,215 |
| Net charge-offs to loans | 6.9071% | 125 |
| Credit loss provision to net charge-offs | 490.1477% | 1,104 |
| Earnings coverage of net charge-offs (x) | 0.1326% | 4,867 |
| Efficiency ratio | 74.4734% | 3,735 |
| Assets per employee ($millions) | 5.5190% | 1,541 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 12.4681% | 8 |
| Loan loss allowance to noncurrent loans | 44.7101% | 5,539 |
| Noncurrent assets plus other real estate owned to assets | 25.0900% | 15 |
| Noncurrent loans to loans | 27.8864% | 15 |
| Net loans and leases to total assets | 67.9617% | 4,147 |
| Net loans and leases to deposits | 72.5244% | 5,678 |
| Net loans and leases to core deposits | 88.1491% | 5,726 |
| Total domestic deposits to total assets | 93.7088% | 53 |
| Equity capital to assets | 5.3970% | 8,082 |
| Core capital (leverage) ratio | 4.0463% | 8,166 |
| Tier 1 risk-based capital ratio | 5.3046% | 8,164 |
| Total risk-based capital ratio | 6.6861% | 8,162 |
| Memoranda: | ||
| Average total assets | $929,663,500 | 757 |
| Average earning assets | $827,112,500 | 767 |
| Average equity | $74,293,000 | 900 |
| Average total loans | $709,477,500 | 699 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1354% | 845 |
| Cost of funding earning assets | 2.5948% | 3,711 |
| Net interest margin | 4.5406% | 1,333 |
| Noninterest income to average assets | -0.1211% | 8,207 |
| Noninterest expense to average assets | 2.3018% | 6,698 |
| Loan and lease loss provision to assets | 5.7814% | 66 |
| Net operating income to assets | -2.4977% | 7,709 |
| Return on assets (ROA) | -2.4977% | 7,680 |
| Pretax return on assets | -4.1007% | 7,905 |
| Return on Equity (ROE) | -19.1337% | 7,742 |
| Retained earnings to average equity (ytd only) | -19.4626% | 7,671 |
| Net charge-offs to loans | 2.8507% | 319 |
| Credit loss provision to net charge-offs | 236.5884% | 1,999 |
| Earnings coverage of net charge-offs (x) | 0.6878% | 5,813 |
| Efficiency ratio | 57.7988% | 6,734 |
| Assets per employee ($millions) | 5.7784% | 1,277 |
| Cash dividends to net income (ytd only)* | -1.7189% | 7,699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2421% | 88 |
| Loan loss allowance to noncurrent loans | 38.1463% | 6,170 |
| Noncurrent assets plus other real estate owned to assets | 12.5360% | 94 |
| Noncurrent loans to loans | 13.7420% | 84 |
| Net loans and leases to total assets | 71.1644% | 3,759 |
| Net loans and leases to deposits | 80.2594% | 5,001 |
| Net loans and leases to core deposits | 97.6597% | 5,079 |
| Total domestic deposits to total assets | 88.6679% | 1,172 |
| Equity capital to assets | 10.3660% | 3,649 |
| Core capital (leverage) ratio | 11.5339% | 2,232 |
| Tier 1 risk-based capital ratio | 12.1386% | 4,713 |
| Total risk-based capital ratio | 13.4311% | 4,572 |
| Memoranda: | ||
| Average total assets | $880,451,600 | 767 |
| Average earning assets | $795,694,800 | 773 |
| Average equity | $114,933,400 | 588 |
| Average total loans | $754,724,600 | 636 |