Home > Byron Bank > Performance and Condition Ratios
Byron Bank, Performance and Condition Ratios
| 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 | 5.2088% | 3,909 |
| Cost of funding earning assets | 1.3144% | 4,450 |
| Net interest margin | 3.8944% | 3,472 |
| Noninterest income to average assets | 1.0908% | 1,123 |
| Noninterest expense to average assets | 3.0301% | 3,597 |
| Loan and lease loss provision to assets | 0.8162% | 1,771 |
| Net operating income to assets | 0.5260% | 4,213 |
| Return on assets (ROA) | 0.7053% | 3,536 |
| Pretax return on assets | 0.9686% | 3,242 |
| Return on Equity (ROE) | 6.8575% | 3,368 |
| Retained earnings to average equity (ytd only) | 6.8575% | 1,899 |
| Net charge-offs to loans | 0.6959% | 2,474 |
| Credit loss provision to net charge-offs | 145.7351% | 2,716 |
| Earnings coverage of net charge-offs (x) | 2.7484% | 3,618 |
| Efficiency ratio | 65.0276% | 5,144 |
| Assets per employee ($millions) | 4.6902% | 2,598 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0320% | 7,754 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3653% | 6,522 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 71.9883% | 2,407 |
| Net loans and leases to deposits | 87.4168% | 2,274 |
| Net loans and leases to core deposits | 124.0594% | 568 |
| Total domestic deposits to total assets | 82.3506% | 4,850 |
| Equity capital to assets | 13.7831% | 1,249 |
| Core capital (leverage) ratio | 9.0457% | 4,532 |
| Tier 1 risk-based capital ratio | 9.9075% | 7,075 |
| Total risk-based capital ratio | 9.9356% | 7,476 |
| Memoranda: | ||
| Average total assets | $833,165,330 | 812 |
| Average earning assets | $744,200,000 | 831 |
| Average equity | $85,686,670 | 765 |
| Average total loans | $670,494,000 | 654 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9962% | 5,038 |
| Cost of funding earning assets | 1.5394% | 3,333 |
| Net interest margin | 3.4568% | 5,346 |
| Noninterest income to average assets | 0.9923% | 1,328 |
| Noninterest expense to average assets | 2.7013% | 4,902 |
| Loan and lease loss provision to assets | 1.3727% | 872 |
| Net operating income to assets | 0.1564% | 5,831 |
| Return on assets (ROA) | 0.1579% | 5,953 |
| Pretax return on assets | 0.1211% | 6,085 |
| Return on Equity (ROE) | 1.8739% | 5,813 |
| Retained earnings to average equity (ytd only) | 1.8739% | 4,996 |
| Net charge-offs to loans | 0.1448% | 4,063 |
| Credit loss provision to net charge-offs | 1,115.5378% | 427 |
| Earnings coverage of net charge-offs (x) | 12.1275% | 1,588 |
| Efficiency ratio | 64.2623% | 5,445 |
| Assets per employee ($millions) | 4.0786% | 3,685 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2544% | 1,654 |
| Loan loss allowance to noncurrent loans | 150.5529% | 1,853 |
| Noncurrent assets plus other real estate owned to assets | 1.8985% | 3,637 |
| Noncurrent loans to loans | 1.4974% | 4,498 |
| Net loans and leases to total assets | 82.9173% | 480 |
| Net loans and leases to deposits | 97.2283% | 978 |
| Net loans and leases to core deposits | 144.9802% | 279 |
| Total domestic deposits to total assets | 85.2810% | 3,521 |
| Equity capital to assets | 8.5308% | 5,958 |
| Core capital (leverage) ratio | 8.1271% | 6,027 |
| Tier 1 risk-based capital ratio | 9.3254% | 7,382 |
| Total risk-based capital ratio | 10.6871% | 7,335 |
| Memoranda: | ||
| Average total assets | $815,908,000 | 847 |
| Average earning assets | $755,619,500 | 832 |
| Average equity | $68,733,500 | 974 |
| Average total loans | $693,327,000 | 654 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0864% | 6,139 |
| Cost of funding earning assets | 1.8308% | 3,829 |
| Net interest margin | 3.2555% | 5,907 |
| Noninterest income to average assets | 1.0635% | 1,359 |
| Noninterest expense to average assets | 2.9648% | 4,283 |
| Loan and lease loss provision to assets | 1.2053% | 1,911 |
| Net operating income to assets | 0.0239% | 5,417 |
| Return on assets (ROA) | 0.0982% | 5,262 |
| Pretax return on assets | 0.0169% | 5,401 |
| Return on Equity (ROE) | 1.2119% | 5,165 |
| Retained earnings to average equity (ytd only) | 1.2119% | 4,192 |
| Net charge-offs to loans | 0.8873% | 2,621 |
| Credit loss provision to net charge-offs | 161.9140% | 2,727 |
| Earnings coverage of net charge-offs (x) | 1.5420% | 4,594 |
| Efficiency ratio | 71.9351% | 4,270 |
| Assets per employee ($millions) | 4.0603% | 3,690 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8582% | 2,383 |
| Loan loss allowance to noncurrent loans | 132.3235% | 2,155 |
| Noncurrent assets plus other real estate owned to assets | 1.6783% | 3,852 |
| Noncurrent loans to loans | 1.4043% | 4,581 |
| Net loans and leases to total assets | 83.5393% | 486 |
| Net loans and leases to deposits | 99.1727% | 977 |
| Net loans and leases to core deposits | 114.5108% | 2,457 |
| Total domestic deposits to total assets | 84.2362% | 3,922 |
| Equity capital to assets | 8.3187% | 6,174 |
| Core capital (leverage) ratio | 7.9992% | 6,198 |
| Tier 1 risk-based capital ratio | 9.0654% | 7,442 |
| Total risk-based capital ratio | 10.4121% | 7,405 |
| Memoranda: | ||
| Average total assets | $833,812,200 | 817 |
| Average earning assets | $780,951,800 | 789 |
| Average equity | $67,580,200 | 977 |
| Average total loans | $699,522,600 | 665 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0819% | 6,333 |
| Cost of funding earning assets | 1.8938% | 3,914 |
| Net interest margin | 3.1880% | 6,067 |
| Noninterest income to average assets | 1.1229% | 1,256 |
| Noninterest expense to average assets | 2.9569% | 4,219 |
| Loan and lease loss provision to assets | 1.0909% | 1,794 |
| Net operating income to assets | 0.1086% | 5,441 |
| Return on assets (ROA) | 0.1686% | 5,325 |
| Pretax return on assets | 0.1249% | 5,470 |
| Return on Equity (ROE) | 2.0943% | 5,135 |
| Retained earnings to average equity (ytd only) | 2.0943% | 4,156 |
| Net charge-offs to loans | 0.3623% | 3,841 |
| Credit loss provision to net charge-offs | 360.1472% | 1,134 |
| Earnings coverage of net charge-offs (x) | 3.8155% | 3,381 |
| Efficiency ratio | 71.7433% | 4,293 |
| Assets per employee ($millions) | 4.1492% | 3,460 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0161% | 1,763 |
| Loan loss allowance to noncurrent loans | 105.3191% | 2,651 |
| Noncurrent assets plus other real estate owned to assets | 2.1816% | 3,119 |
| Noncurrent loans to loans | 1.9143% | 3,756 |
| Net loans and leases to total assets | 81.6330% | 876 |
| Net loans and leases to deposits | 97.4402% | 1,388 |
| Net loans and leases to core deposits | 109.2512% | 3,319 |
| Total domestic deposits to total assets | 83.7776% | 3,828 |
| Equity capital to assets | 8.2399% | 6,581 |
| Core capital (leverage) ratio | 7.9756% | 6,402 |
| Tier 1 risk-based capital ratio | 9.1412% | 7,562 |
| Total risk-based capital ratio | 10.4615% | 7,531 |
| Memoranda: | ||
| Average total assets | $837,220,750 | 817 |
| Average earning assets | $785,124,000 | 799 |
| Average equity | $67,418,250 | 988 |
| Average total loans | $699,867,250 | 682 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0683% | 6,550 |
| Cost of funding earning assets | 1.9644% | 3,945 |
| Net interest margin | 3.1039% | 6,224 |
| Noninterest income to average assets | 1.2240% | 1,035 |
| Noninterest expense to average assets | 2.9539% | 4,277 |
| Loan and lease loss provision to assets | 0.5616% | 2,776 |
| Net operating income to assets | 0.4919% | 4,116 |
| Return on assets (ROA) | 0.5556% | 3,974 |
| Pretax return on assets | 0.7121% | 3,956 |
| Return on Equity (ROE) | 6.9537% | 3,222 |
| Retained earnings to average equity (ytd only) | 6.9537% | 1,600 |
| Net charge-offs to loans | 0.2687% | 3,847 |
| Credit loss provision to net charge-offs | 249.7343% | 1,870 |
| Earnings coverage of net charge-offs (x) | 5.3007% | 2,863 |
| Efficiency ratio | 71.0992% | 4,576 |
| Assets per employee ($millions) | 4.0705% | 3,556 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4922% | 3,242 |
| Loan loss allowance to noncurrent loans | 267.1483% | 1,156 |
| Noncurrent assets plus other real estate owned to assets | 0.9336% | 5,108 |
| Noncurrent loans to loans | 0.5586% | 6,150 |
| Net loans and leases to total assets | 82.9723% | 789 |
| Net loans and leases to deposits | 101.0837% | 1,163 |
| Net loans and leases to core deposits | 115.6950% | 2,739 |
| Total domestic deposits to total assets | 82.0827% | 4,653 |
| Equity capital to assets | 8.1334% | 6,591 |
| Core capital (leverage) ratio | 8.0724% | 6,212 |
| Tier 1 risk-based capital ratio | 9.1828% | 7,601 |
| Total risk-based capital ratio | 10.4351% | 7,603 |
| Memoranda: | ||
| Average total assets | $836,917,670 | 841 |
| Average earning assets | $787,837,330 | 809 |
| Average equity | $66,870,670 | 1,008 |
| Average total loans | $700,400,000 | 700 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0813% | 6,702 |
| Cost of funding earning assets | 2.0509% | 3,870 |
| Net interest margin | 3.0304% | 6,400 |
| Noninterest income to average assets | 1.1783% | 1,056 |
| Noninterest expense to average assets | 2.9168% | 4,100 |
| Loan and lease loss provision to assets | 0.4664% | 2,608 |
| Net operating income to assets | 0.4947% | 4,444 |
| Return on assets (ROA) | 0.6181% | 4,135 |
| Pretax return on assets | 0.8075% | 4,055 |
| Return on Equity (ROE) | 7.8059% | 3,237 |
| Retained earnings to average equity (ytd only) | 7.8059% | 1,889 |
| Net charge-offs to loans | 0.1411% | 3,830 |
| Credit loss provision to net charge-offs | 396.3415% | 1,308 |
| Earnings coverage of net charge-offs (x) | 9.4634% | 2,058 |
| Efficiency ratio | 72.2136% | 4,155 |
| Assets per employee ($millions) | 4.0500% | 3,557 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3980% | 3,513 |
| Loan loss allowance to noncurrent loans | 195.6539% | 1,686 |
| Noncurrent assets plus other real estate owned to assets | 0.8980% | 4,942 |
| Noncurrent loans to loans | 0.7145% | 5,629 |
| Net loans and leases to total assets | 83.3491% | 798 |
| Net loans and leases to deposits | 101.7271% | 1,207 |
| Net loans and leases to core deposits | 115.9676% | 2,808 |
| Total domestic deposits to total assets | 81.9340% | 4,577 |
| Equity capital to assets | 7.9272% | 6,923 |
| Core capital (leverage) ratio | 7.8180% | 6,726 |
| Tier 1 risk-based capital ratio | 8.9545% | 7,818 |
| Total risk-based capital ratio | 10.2056% | 7,854 |
| Memoranda: | ||
| Average total assets | $836,119,500 | 843 |
| Average earning assets | $786,965,000 | 811 |
| Average equity | $66,206,000 | 1,020 |
| Average total loans | $697,463,500 | 708 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8699% | 6,183 |
| Cost of funding earning assets | 2.5711% | 3,845 |
| Net interest margin | 3.2988% | 6,038 |
| Noninterest income to average assets | 1.0033% | 1,565 |
| Noninterest expense to average assets | 2.8923% | 4,472 |
| Loan and lease loss provision to assets | 0.6311% | 2,304 |
| Net operating income to assets | 0.6109% | 4,257 |
| Return on assets (ROA) | 0.2067% | 5,648 |
| Pretax return on assets | 0.1686% | 5,802 |
| Return on Equity (ROE) | 2.4106% | 5,456 |
| Retained earnings to average equity (ytd only) | -1.8967% | 5,840 |
| Net charge-offs to loans | 0.4473% | 2,590 |
| Credit loss provision to net charge-offs | 174.9029% | 2,910 |
| Earnings coverage of net charge-offs (x) | 3.3367% | 4,416 |
| Efficiency ratio | 70.4443% | 4,261 |
| Assets per employee ($millions) | 4.0481% | 3,415 |
| Cash dividends to net income (ytd only)* | 178.6815% | 365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3238% | 3,628 |
| Loan loss allowance to noncurrent loans | 298.8543% | 1,361 |
| Noncurrent assets plus other real estate owned to assets | 0.6362% | 5,306 |
| Noncurrent loans to loans | 0.4430% | 6,027 |
| Net loans and leases to total assets | 81.2179% | 1,382 |
| Net loans and leases to deposits | 100.1330% | 1,822 |
| Net loans and leases to core deposits | 110.2690% | 3,753 |
| Total domestic deposits to total assets | 81.1100% | 4,591 |
| Equity capital to assets | 7.9093% | 6,956 |
| Core capital (leverage) ratio | 8.0396% | 6,422 |
| Tier 1 risk-based capital ratio | 8.9630% | 7,812 |
| Total risk-based capital ratio | 10.2128% | 7,815 |
| Memoranda: | ||
| Average total assets | $785,189,600 | 862 |
| Average earning assets | $736,178,200 | 827 |
| Average equity | $67,328,200 | 993 |
| Average total loans | $633,305,400 | 754 |