Home > COMMUNITY TRUST BANK OF TEXAS > Performance and Condition Ratios
COMMUNITY TRUST BANK OF TEXAS, 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 | 4.5183% | 6,666 |
| Cost of funding earning assets | 1.5627% | 2,884 |
| Net interest margin | 2.9556% | 6,927 |
| Noninterest income to average assets | 0.2067% | 6,431 |
| Noninterest expense to average assets | 3.6670% | 1,633 |
| Loan and lease loss provision to assets | 0.5420% | 2,610 |
| Net operating income to assets | -0.7594% | 6,840 |
| Return on assets (ROA) | -0.6591% | 6,805 |
| Pretax return on assets | -1.0077% | 6,893 |
| Return on Equity (ROE) | -7.9144% | 6,883 |
| Retained earnings to average equity (ytd only) | -7.9144% | 6,807 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 120.3493% | 414 |
| Assets per employee ($millions) | 10.3363% | 233 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0106% | 6,354 |
| Loan loss allowance to noncurrent loans | 439.7476% | 715 |
| Noncurrent assets plus other real estate owned to assets | 0.1180% | 7,095 |
| Noncurrent loans to loans | 0.2298% | 6,782 |
| Net loans and leases to total assets | 50.8076% | 6,331 |
| Net loans and leases to deposits | 55.2654% | 6,779 |
| Net loans and leases to core deposits | 59.6074% | 6,737 |
| Total domestic deposits to total assets | 91.9339% | 230 |
| Equity capital to assets | 6.9899% | 7,353 |
| Core capital (leverage) ratio | 7.1049% | 7,123 |
| Tier 1 risk-based capital ratio | 9.9745% | 7,039 |
| Total risk-based capital ratio | 10.8284% | 7,233 |
| Memoranda: | ||
| Average total assets | $225,469,330 | 2,866 |
| Average earning assets | $216,676,670 | 2,720 |
| Average equity | $18,776,000 | 3,337 |
| Average total loans | $114,770,670 | 3,516 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5147% | 6,759 |
| Cost of funding earning assets | 1.5621% | 3,188 |
| Net interest margin | 2.9525% | 6,935 |
| Noninterest income to average assets | 0.1943% | 6,572 |
| Noninterest expense to average assets | 4.0406% | 975 |
| Loan and lease loss provision to assets | 0.5593% | 2,264 |
| Net operating income to assets | -1.0244% | 7,115 |
| Return on assets (ROA) | -1.0244% | 7,137 |
| Pretax return on assets | -1.5719% | 7,283 |
| Return on Equity (ROE) | -11.1232% | 7,176 |
| Retained earnings to average equity (ytd only) | -11.1232% | 7,023 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 133.4413% | 304 |
| Assets per employee ($millions) | 8.3083% | 449 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8549% | 6,976 |
| Loan loss allowance to noncurrent loans | 180.8799% | 1,549 |
| Noncurrent assets plus other real estate owned to assets | 0.2635% | 6,813 |
| Noncurrent loans to loans | 0.4726% | 6,350 |
| Net loans and leases to total assets | 55.2667% | 5,851 |
| Net loans and leases to deposits | 61.3042% | 6,341 |
| Net loans and leases to core deposits | 65.3165% | 6,341 |
| Total domestic deposits to total assets | 90.1517% | 915 |
| Equity capital to assets | 8.3277% | 6,265 |
| Core capital (leverage) ratio | 8.8582% | 4,783 |
| Tier 1 risk-based capital ratio | 11.4957% | 5,676 |
| Total risk-based capital ratio | 12.2121% | 6,171 |
| Memoranda: | ||
| Average total assets | $203,832,500 | 3,168 |
| Average earning assets | $195,629,500 | 3,052 |
| Average equity | $18,771,500 | 3,354 |
| Average total loans | $103,188,000 | 3,851 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6172% | 7,810 |
| Cost of funding earning assets | 1.8373% | 3,794 |
| Net interest margin | 1.7799% | 7,810 |
| Noninterest income to average assets | 0.2286% | 6,479 |
| Noninterest expense to average assets | 3.0803% | 3,833 |
| Loan and lease loss provision to assets | 0.4055% | 4,384 |
| Net operating income to assets | -1.0503% | 6,611 |
| Return on assets (ROA) | -1.0503% | 6,615 |
| Pretax return on assets | -1.5849% | 6,745 |
| Return on Equity (ROE) | -7.2113% | 6,401 |
| Retained earnings to average equity (ytd only) | -7.2113% | 6,259 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 162.0455% | 246 |
| Assets per employee ($millions) | 9.6496% | 292 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9640% | 6,561 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 43.9327% | 7,119 |
| Net loans and leases to deposits | 50.3243% | 7,245 |
| Net loans and leases to core deposits | 76.0997% | 6,394 |
| Total domestic deposits to total assets | 87.2991% | 2,328 |
| Equity capital to assets | 10.2879% | 3,415 |
| Core capital (leverage) ratio | 10.1791% | 2,913 |
| Tier 1 risk-based capital ratio | 16.6664% | 2,249 |
| Total risk-based capital ratio | 17.4141% | 2,381 |
| Memoranda: | ||
| Average total assets | $131,677,200 | 4,306 |
| Average earning assets | $123,714,800 | 4,223 |
| Average equity | $19,178,200 | 3,314 |
| Average total loans | $47,022,000 | 5,805 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3195% | 7,955 |
| Cost of funding earning assets | 1.8556% | 4,122 |
| Net interest margin | 1.4638% | 7,951 |
| Noninterest income to average assets | 0.1190% | 7,297 |
| Noninterest expense to average assets | 2.9358% | 4,294 |
| Loan and lease loss provision to assets | 0.4199% | 3,809 |
| Net operating income to assets | -1.2394% | 6,983 |
| Return on assets (ROA) | -1.2394% | 6,987 |
| Pretax return on assets | -1.8693% | 7,122 |
| Return on Equity (ROE) | -7.6437% | 6,704 |
| Retained earnings to average equity (ytd only) | -7.6437% | 6,559 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 197.5076% | 160 |
| Assets per employee ($millions) | 7.9278% | 528 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9987% | 6,302 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 32.4584% | 7,732 |
| Net loans and leases to deposits | 37.0870% | 7,800 |
| Net loans and leases to core deposits | 53.2401% | 7,614 |
| Total domestic deposits to total assets | 87.5197% | 1,875 |
| Equity capital to assets | 9.9843% | 4,110 |
| Core capital (leverage) ratio | 12.4719% | 1,595 |
| Tier 1 risk-based capital ratio | 20.6903% | 1,423 |
| Total risk-based capital ratio | 21.4262% | 1,475 |
| Memoranda: | ||
| Average total assets | $118,761,000 | 4,631 |
| Average earning assets | $110,938,750 | 4,560 |
| Average equity | $19,257,250 | 3,349 |
| Average total loans | $38,444,750 | 6,229 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2251% | 8,057 |
| Cost of funding earning assets | 1.9967% | 3,796 |
| Net interest margin | 1.2284% | 8,070 |
| Noninterest income to average assets | 0.1011% | 7,474 |
| Noninterest expense to average assets | 3.3226% | 2,872 |
| Loan and lease loss provision to assets | 0.3582% | 3,777 |
| Net operating income to assets | -1.6371% | 7,304 |
| Return on assets (ROA) | -1.6371% | 7,303 |
| Pretax return on assets | -2.4546% | 7,408 |
| Return on Equity (ROE) | -8.0335% | 6,893 |
| Retained earnings to average equity (ytd only) | -8.0335% | 6,670 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 270.9622% | 97 |
| Assets per employee ($millions) | 8.0927% | 483 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9980% | 6,269 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 34.3241% | 7,762 |
| Net loans and leases to deposits | 41.8161% | 7,762 |
| Net loans and leases to core deposits | 60.7668% | 7,426 |
| Total domestic deposits to total assets | 82.0834% | 4,652 |
| Equity capital to assets | 15.4131% | 946 |
| Core capital (leverage) ratio | 17.1880% | 592 |
| Tier 1 risk-based capital ratio | 28.0207% | 715 |
| Total risk-based capital ratio | 28.6950% | 731 |
| Memoranda: | ||
| Average total assets | $94,925,330 | 5,311 |
| Average earning assets | $86,943,330 | 5,303 |
| Average equity | $19,344,000 | 3,347 |
| Average total loans | $30,466,000 | 6,709 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0062% | 8,140 |
| Cost of funding earning assets | 1.9950% | 4,156 |
| Net interest margin | 1.0112% | 8,163 |
| Noninterest income to average assets | 0.0294% | 7,931 |
| Noninterest expense to average assets | 3.6723% | 1,705 |
| Loan and lease loss provision to assets | 0.2448% | 4,020 |
| Net operating income to assets | -1.9439% | 7,643 |
| Return on assets (ROA) | -1.9439% | 7,644 |
| Pretax return on assets | -2.9819% | 7,750 |
| Return on Equity (ROE) | -8.0769% | 7,241 |
| Retained earnings to average equity (ytd only) | -8.0769% | 6,922 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 392.6702% | 56 |
| Assets per employee ($millions) | 7.5977% | 599 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0748% | 5,655 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 30.2867% | 7,912 |
| Net loans and leases to deposits | 39.5024% | 7,855 |
| Net loans and leases to core deposits | 51.3043% | 7,746 |
| Total domestic deposits to total assets | 76.6705% | 6,371 |
| Equity capital to assets | 21.3509% | 342 |
| Core capital (leverage) ratio | 30.5259% | 150 |
| Tier 1 risk-based capital ratio | 38.2486% | 355 |
| Total risk-based capital ratio | 38.9095% | 360 |
| Memoranda: | ||
| Average total assets | $81,693,000 | 5,766 |
| Average earning assets | $73,182,000 | 5,806 |
| Average equity | $19,661,000 | 3,312 |
| Average total loans | $24,656,000 | 7,089 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2470% | 8,208 |
| Cost of funding earning assets | 1.1004% | 8,006 |
| Net interest margin | 1.1466% | 8,217 |
| Noninterest income to average assets | 0.0023% | 8,099 |
| Noninterest expense to average assets | 2.4282% | 6,303 |
| Loan and lease loss provision to assets | 0.5765% | 2,518 |
| Net operating income to assets | -1.3006% | 7,390 |
| Return on assets (ROA) | -1.3006% | 7,331 |
| Pretax return on assets | -1.9716% | 7,431 |
| Return on Equity (ROE) | -4.0812% | 6,753 |
| Retained earnings to average equity (ytd only) | -4.0812% | 6,339 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 235.0446% | 158 |
| Assets per employee ($millions) | 10.3163% | 233 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1683% | 4,791 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 29.2866% | 8,008 |
| Net loans and leases to deposits | 42.0215% | 7,895 |
| Net loans and leases to core deposits | 46.4008% | 7,960 |
| Total domestic deposits to total assets | 69.6942% | 7,314 |
| Equity capital to assets | 27.4961% | 209 |
| Core capital (leverage) ratio | 48.7362% | 80 |
| Tier 1 risk-based capital ratio | 56.8171% | 168 |
| Total risk-based capital ratio | 57.6327% | 168 |
| Memoranda: | ||
| Average total assets | $43,366,200 | 7,060 |
| Average earning assets | $38,986,000 | 7,086 |
| Average equity | $13,819,600 | 4,381 |
| Average total loans | $14,085,000 | 7,700 |