Home > Commercial Bank & Trust Company of Troup County > Performance and Condition Ratios
Commercial Bank & Trust Company of Troup County, Performance and Condition Ratios
| 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 | 4.8189% | 5,820 |
| Cost of funding earning assets | 0.9516% | 6,574 |
| Net interest margin | 3.8673% | 3,475 |
| Noninterest income to average assets | 0.9039% | 1,607 |
| Noninterest expense to average assets | 2.4781% | 5,811 |
| Loan and lease loss provision to assets | 0.4821% | 2,573 |
| Net operating income to assets | 1.0181% | 2,120 |
| Return on assets (ROA) | 1.0181% | 2,181 |
| Pretax return on assets | 1.6169% | 1,223 |
| Return on Equity (ROE) | 13.1360% | 1,226 |
| Retained earnings to average equity (ytd only) | 13.1360% | 605 |
| Net charge-offs to loans | -0.0069% | 6,844 |
| Credit loss provision to net charge-offs | -9,600.0000% | 6,691 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.1415% | 6,957 |
| Assets per employee ($millions) | 5.4561% | 1,710 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9687% | 849 |
| Loan loss allowance to noncurrent loans | 85.5599% | 3,205 |
| Noncurrent assets plus other real estate owned to assets | 2.6374% | 2,760 |
| Noncurrent loans to loans | 3.4697% | 2,298 |
| Net loans and leases to total assets | 68.3441% | 3,302 |
| Net loans and leases to deposits | 82.5114% | 3,193 |
| Net loans and leases to core deposits | 111.9544% | 1,168 |
| Total domestic deposits to total assets | 82.8299% | 4,704 |
| Equity capital to assets | 8.2713% | 6,341 |
| Core capital (leverage) ratio | 8.1116% | 6,055 |
| Tier 1 risk-based capital ratio | 11.3859% | 5,782 |
| Total risk-based capital ratio | 12.6574% | 5,734 |
| Memoranda: | ||
| Average total assets | $318,635,500 | 2,136 |
| Average earning assets | $302,641,500 | 2,066 |
| Average equity | $24,695,500 | 2,640 |
| Average total loans | $232,380,500 | 1,981 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2246% | 5,533 |
| Cost of funding earning assets | 1.2759% | 6,391 |
| Net interest margin | 3.9486% | 3,085 |
| Noninterest income to average assets | 0.9621% | 1,693 |
| Noninterest expense to average assets | 2.2553% | 6,857 |
| Loan and lease loss provision to assets | 3.2344% | 506 |
| Net operating income to assets | -0.4425% | 6,119 |
| Return on assets (ROA) | -0.4178% | 6,097 |
| Pretax return on assets | -0.7231% | 6,212 |
| Return on Equity (ROE) | -5.5843% | 6,273 |
| Retained earnings to average equity (ytd only) | -5.9664% | 6,144 |
| Net charge-offs to loans | 3.4220% | 576 |
| Credit loss provision to net charge-offs | 121.6277% | 4,368 |
| Earnings coverage of net charge-offs (x) | 0.9298% | 5,181 |
| Efficiency ratio | 47.7013% | 7,642 |
| Assets per employee ($millions) | 5.5327% | 1,617 |
| Cash dividends to net income (ytd only)* | -6.8421% | 7,560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6648% | 1,050 |
| Loan loss allowance to noncurrent loans | 83.0888% | 3,332 |
| Noncurrent assets plus other real estate owned to assets | 2.5888% | 2,706 |
| Noncurrent loans to loans | 3.2072% | 2,380 |
| Net loans and leases to total assets | 73.4652% | 2,390 |
| Net loans and leases to deposits | 86.9429% | 2,745 |
| Net loans and leases to core deposits | 125.1801% | 1,569 |
| Total domestic deposits to total assets | 84.4982% | 3,796 |
| Equity capital to assets | 7.2187% | 7,250 |
| Core capital (leverage) ratio | 6.5704% | 7,459 |
| Tier 1 risk-based capital ratio | 9.3109% | 7,327 |
| Total risk-based capital ratio | 10.5789% | 7,300 |
| Memoranda: | ||
| Average total assets | $318,354,200 | 2,119 |
| Average earning assets | $303,623,800 | 2,046 |
| Average equity | $23,816,800 | 2,754 |
| Average total loans | $247,402,200 | 1,905 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2512% | 5,679 |
| Cost of funding earning assets | 1.3420% | 6,422 |
| Net interest margin | 3.9092% | 3,208 |
| Noninterest income to average assets | 0.9572% | 1,752 |
| Noninterest expense to average assets | 2.2421% | 6,866 |
| Loan and lease loss provision to assets | 2.6758% | 594 |
| Net operating income to assets | -0.1135% | 5,912 |
| Return on assets (ROA) | -0.0806% | 5,896 |
| Pretax return on assets | -0.1763% | 5,942 |
| Return on Equity (ROE) | -1.0687% | 5,944 |
| Retained earnings to average equity (ytd only) | -1.5725% | 5,626 |
| Net charge-offs to loans | 2.8118% | 625 |
| Credit loss provision to net charge-offs | 121.5872% | 4,175 |
| Earnings coverage of net charge-offs (x) | 1.1124% | 4,950 |
| Efficiency ratio | 47.8040% | 7,671 |
| Assets per employee ($millions) | 5.6517% | 1,474 |
| Cash dividends to net income (ytd only)* | -47.1496% | 7,926 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3381% | 1,253 |
| Loan loss allowance to noncurrent loans | 62.4613% | 4,222 |
| Noncurrent assets plus other real estate owned to assets | 2.8074% | 2,475 |
| Noncurrent loans to loans | 3.7433% | 1,991 |
| Net loans and leases to total assets | 73.2440% | 2,726 |
| Net loans and leases to deposits | 89.3055% | 2,716 |
| Net loans and leases to core deposits | 124.1092% | 1,888 |
| Total domestic deposits to total assets | 82.0151% | 4,671 |
| Equity capital to assets | 7.4879% | 7,303 |
| Core capital (leverage) ratio | 6.8032% | 7,542 |
| Tier 1 risk-based capital ratio | 9.4007% | 7,436 |
| Total risk-based capital ratio | 10.6636% | 7,399 |
| Memoranda: | ||
| Average total assets | $319,102,000 | 2,127 |
| Average earning assets | $304,712,500 | 2,063 |
| Average equity | $24,079,750 | 2,741 |
| Average total loans | $249,746,500 | 1,920 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2757% | 5,763 |
| Cost of funding earning assets | 1.3752% | 6,566 |
| Net interest margin | 3.9006% | 3,113 |
| Noninterest income to average assets | 0.9545% | 1,741 |
| Noninterest expense to average assets | 2.2434% | 6,940 |
| Loan and lease loss provision to assets | 1.4763% | 1,168 |
| Net operating income to assets | 0.6212% | 3,582 |
| Return on assets (ROA) | 0.6212% | 3,695 |
| Pretax return on assets | 0.9639% | 3,133 |
| Return on Equity (ROE) | 8.2109% | 2,688 |
| Retained earnings to average equity (ytd only) | 8.2109% | 1,150 |
| Net charge-offs to loans | 0.0840% | 5,365 |
| Credit loss provision to net charge-offs | 2,215.0943% | 243 |
| Earnings coverage of net charge-offs (x) | 36.6132% | 865 |
| Efficiency ratio | 47.8990% | 7,763 |
| Assets per employee ($millions) | 6.1341% | 1,132 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6322% | 796 |
| Loan loss allowance to noncurrent loans | 104.2123% | 2,794 |
| Noncurrent assets plus other real estate owned to assets | 1.8867% | 3,352 |
| Noncurrent loans to loans | 2.5258% | 2,863 |
| Net loans and leases to total assets | 72.7323% | 3,021 |
| Net loans and leases to deposits | 87.9632% | 3,179 |
| Net loans and leases to core deposits | 117.5899% | 2,582 |
| Total domestic deposits to total assets | 82.6849% | 4,389 |
| Equity capital to assets | 7.0639% | 7,569 |
| Core capital (leverage) ratio | 7.1460% | 7,414 |
| Tier 1 risk-based capital ratio | 8.9869% | 7,700 |
| Total risk-based capital ratio | 10.2536% | 7,711 |
| Memoranda: | ||
| Average total assets | $318,086,670 | 2,155 |
| Average earning assets | $304,110,670 | 2,088 |
| Average equity | $24,065,670 | 2,748 |
| Average total loans | $252,461,000 | 1,935 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4924% | 4,953 |
| Cost of funding earning assets | 1.4550% | 6,558 |
| Net interest margin | 4.0374% | 2,498 |
| Noninterest income to average assets | 0.9824% | 1,534 |
| Noninterest expense to average assets | 2.1246% | 7,065 |
| Loan and lease loss provision to assets | 0.7244% | 1,772 |
| Net operating income to assets | 1.2509% | 1,505 |
| Return on assets (ROA) | 1.2509% | 1,609 |
| Pretax return on assets | 1.9897% | 674 |
| Return on Equity (ROE) | 15.9392% | 835 |
| Retained earnings to average equity (ytd only) | 15.9392% | 343 |
| Net charge-offs to loans | 0.0096% | 5,516 |
| Credit loss provision to net charge-offs | 9,216.6667% | 68 |
| Earnings coverage of net charge-offs (x) | 345.3333% | 109 |
| Efficiency ratio | 43.9090% | 7,930 |
| Assets per employee ($millions) | 5.2651% | 1,776 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0251% | 1,363 |
| Loan loss allowance to noncurrent loans | 134.3335% | 2,370 |
| Noncurrent assets plus other real estate owned to assets | 1.2332% | 4,218 |
| Noncurrent loans to loans | 1.5075% | 4,026 |
| Net loans and leases to total assets | 80.1506% | 1,357 |
| Net loans and leases to deposits | 102.1323% | 1,169 |
| Net loans and leases to core deposits | 141.0146% | 1,062 |
| Total domestic deposits to total assets | 78.4772% | 5,868 |
| Equity capital to assets | 8.0046% | 6,803 |
| Core capital (leverage) ratio | 7.6467% | 6,956 |
| Tier 1 risk-based capital ratio | 9.3233% | 7,566 |
| Total risk-based capital ratio | 10.5829% | 7,532 |
| Memoranda: | ||
| Average total assets | $305,375,500 | 2,235 |
| Average earning assets | $291,674,000 | 2,174 |
| Average equity | $23,966,000 | 2,770 |
| Average total loans | $250,393,500 | 1,963 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3047% | 3,940 |
| Cost of funding earning assets | 2.1272% | 5,941 |
| Net interest margin | 4.1774% | 2,399 |
| Noninterest income to average assets | 0.9303% | 1,855 |
| Noninterest expense to average assets | 2.1613% | 7,090 |
| Loan and lease loss provision to assets | 0.9394% | 1,577 |
| Net operating income to assets | 1.1391% | 1,992 |
| Return on assets (ROA) | 1.1391% | 1,912 |
| Pretax return on assets | 1.8039% | 937 |
| Return on Equity (ROE) | 15.1493% | 902 |
| Retained earnings to average equity (ytd only) | 4.2636% | 2,472 |
| Net charge-offs to loans | 0.6489% | 1,909 |
| Credit loss provision to net charge-offs | 182.4803% | 2,736 |
| Earnings coverage of net charge-offs (x) | 5.3287% | 3,682 |
| Efficiency ratio | 44.0664% | 8,011 |
| Assets per employee ($millions) | 5.0896% | 1,852 |
| Cash dividends to net income (ytd only)* | 71.8565% | 2,090 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7978% | 1,640 |
| Loan loss allowance to noncurrent loans | 524.0418% | 834 |
| Noncurrent assets plus other real estate owned to assets | 0.2819% | 6,455 |
| Noncurrent loans to loans | 0.3431% | 6,347 |
| Net loans and leases to total assets | 80.7058% | 1,502 |
| Net loans and leases to deposits | 103.2004% | 1,437 |
| Net loans and leases to core deposits | 133.7485% | 1,609 |
| Total domestic deposits to total assets | 78.2030% | 5,644 |
| Equity capital to assets | 7.6915% | 7,211 |
| Core capital (leverage) ratio | 7.3092% | 7,405 |
| Tier 1 risk-based capital ratio | 8.9204% | 7,833 |
| Total risk-based capital ratio | 10.1774% | 7,847 |
| Memoranda: | ||
| Average total assets | $296,024,600 | 2,225 |
| Average earning assets | $281,633,200 | 2,165 |
| Average equity | $22,258,400 | 2,945 |
| Average total loans | $234,855,600 | 2,010 |