Home > Darby Bank & Trust Co. > Performance and Condition Ratios
Darby Bank & Trust Co., Performance and Condition Ratios
| 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 | 4.3570% | 6,880 |
| Cost of funding earning assets | 3.0332% | 28 |
| Net interest margin | 1.3238% | 7,683 |
| Noninterest income to average assets | -0.7155% | 7,707 |
| Noninterest expense to average assets | 2.9107% | 4,045 |
| Loan and lease loss provision to assets | 2.3328% | 471 |
| Net operating income to assets | -4.7360% | 7,628 |
| Return on assets (ROA) | -4.1101% | 7,591 |
| Pretax return on assets | -4.1422% | 7,578 |
| Return on Equity (ROE) | -153.9073% | 7,729 |
| Retained earnings to average equity (ytd only) | -153.9073% | 7,729 |
| Net charge-offs to loans | 5.2747% | 156 |
| Credit loss provision to net charge-offs | 72.5955% | 5,352 |
| Earnings coverage of net charge-offs (x) | -0.7598% | 6,406 |
| Efficiency ratio | 620.3604% | 10 |
| Assets per employee ($millions) | 4.8141% | 2,435 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1604% | 726 |
| Loan loss allowance to noncurrent loans | 25.1106% | 6,637 |
| Noncurrent assets plus other real estate owned to assets | 14.1106% | 186 |
| Noncurrent loans to loans | 12.5858% | 254 |
| Net loans and leases to total assets | 58.9893% | 5,107 |
| Net loans and leases to deposits | 65.7239% | 5,699 |
| Net loans and leases to core deposits | 115.2690% | 779 |
| Total domestic deposits to total assets | 89.7531% | 997 |
| Equity capital to assets | 1.3779% | 7,733 |
| Core capital (leverage) ratio | 1.1967% | 7,731 |
| Tier 1 risk-based capital ratio | 1.9071% | 7,729 |
| Total risk-based capital ratio | 3.1782% | 7,729 |
| Memoranda: | ||
| Average total assets | $741,108,250 | 916 |
| Average earning assets | $663,220,000 | 927 |
| Average equity | $19,791,500 | 3,215 |
| Average total loans | $451,502,750 | 1,002 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2672% | 7,096 |
| Cost of funding earning assets | 3.0374% | 35 |
| Net interest margin | 1.2298% | 7,764 |
| Noninterest income to average assets | -1.2516% | 7,803 |
| Noninterest expense to average assets | 2.7946% | 4,506 |
| Loan and lease loss provision to assets | 2.0644% | 596 |
| Net operating income to assets | -4.9561% | 7,694 |
| Return on assets (ROA) | -4.6611% | 7,681 |
| Pretax return on assets | -4.7073% | 7,660 |
| Return on Equity (ROE) | -153.4792% | 7,778 |
| Retained earnings to average equity (ytd only) | -153.4792% | 7,778 |
| Net charge-offs to loans | 6.2230% | 119 |
| Credit loss provision to net charge-offs | 54.4502% | 5,330 |
| Earnings coverage of net charge-offs (x) | -0.7757% | 6,086 |
| Efficiency ratio | -1,910.8348% | 7,827 |
| Assets per employee ($millions) | 4.8917% | 2,312 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5009% | 1,298 |
| Loan loss allowance to noncurrent loans | 15.6569% | 7,121 |
| Noncurrent assets plus other real estate owned to assets | 13.7866% | 189 |
| Noncurrent loans to loans | 15.9730% | 147 |
| Net loans and leases to total assets | 61.3332% | 4,813 |
| Net loans and leases to deposits | 70.8928% | 5,149 |
| Net loans and leases to core deposits | 122.4671% | 610 |
| Total domestic deposits to total assets | 86.5154% | 2,812 |
| Equity capital to assets | 2.0764% | 7,788 |
| Core capital (leverage) ratio | 1.7758% | 7,785 |
| Tier 1 risk-based capital ratio | 2.9001% | 7,777 |
| Total risk-based capital ratio | 4.1646% | 7,777 |
| Memoranda: | ||
| Average total assets | $769,906,330 | 881 |
| Average earning assets | $691,982,330 | 897 |
| Average equity | $23,381,670 | 2,754 |
| Average total loans | $469,065,330 | 979 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0535% | 7,413 |
| Cost of funding earning assets | 2.9873% | 47 |
| Net interest margin | 1.0662% | 7,874 |
| Noninterest income to average assets | -0.1323% | 7,771 |
| Noninterest expense to average assets | 2.6415% | 5,177 |
| Loan and lease loss provision to assets | 1.5225% | 763 |
| Net operating income to assets | -3.3423% | 7,665 |
| Return on assets (ROA) | -3.3329% | 7,663 |
| Pretax return on assets | -3.3329% | 7,626 |
| Return on Equity (ROE) | -96.7200% | 7,824 |
| Retained earnings to average equity (ytd only) | -96.7200% | 7,820 |
| Net charge-offs to loans | 0.6510% | 2,197 |
| Credit loss provision to net charge-offs | 389.2677% | 1,049 |
| Earnings coverage of net charge-offs (x) | -4.6528% | 5,532 |
| Efficiency ratio | 321.4543% | 37 |
| Assets per employee ($millions) | 5.7386% | 1,463 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1974% | 313 |
| Loan loss allowance to noncurrent loans | 23.9004% | 6,801 |
| Noncurrent assets plus other real estate owned to assets | 14.0208% | 165 |
| Noncurrent loans to loans | 17.5620% | 120 |
| Net loans and leases to total assets | 57.0378% | 5,601 |
| Net loans and leases to deposits | 65.6708% | 5,859 |
| Net loans and leases to core deposits | 122.0646% | 706 |
| Total domestic deposits to total assets | 86.8541% | 2,708 |
| Equity capital to assets | 3.1466% | 7,840 |
| Core capital (leverage) ratio | 3.0064% | 7,837 |
| Tier 1 risk-based capital ratio | 4.9021% | 7,805 |
| Total risk-based capital ratio | 6.1860% | 7,803 |
| Memoranda: | ||
| Average total assets | $809,991,500 | 856 |
| Average earning assets | $724,797,000 | 871 |
| Average equity | $27,911,500 | 2,378 |
| Average total loans | $486,654,000 | 963 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1489% | 5,884 |
| Cost of funding earning assets | 3.1154% | 162 |
| Net interest margin | 2.0334% | 7,729 |
| Noninterest income to average assets | 0.0641% | 7,432 |
| Noninterest expense to average assets | 2.6245% | 5,698 |
| Loan and lease loss provision to assets | 3.7555% | 387 |
| Net operating income to assets | -3.6703% | 7,550 |
| Return on assets (ROA) | -3.4388% | 7,498 |
| Pretax return on assets | -4.2519% | 7,584 |
| Return on Equity (ROE) | -61.4011% | 7,760 |
| Retained earnings to average equity (ytd only) | -61.4011% | 7,757 |
| Net charge-offs to loans | 4.1650% | 379 |
| Credit loss provision to net charge-offs | 132.5061% | 3,779 |
| Earnings coverage of net charge-offs (x) | -0.2760% | 6,521 |
| Efficiency ratio | 142.4653% | 365 |
| Assets per employee ($millions) | 5.9573% | 1,278 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4871% | 539 |
| Loan loss allowance to noncurrent loans | 22.8414% | 6,923 |
| Noncurrent assets plus other real estate owned to assets | 11.7346% | 262 |
| Noncurrent loans to loans | 15.2665% | 163 |
| Net loans and leases to total assets | 58.4889% | 5,584 |
| Net loans and leases to deposits | 67.3894% | 5,900 |
| Net loans and leases to core deposits | 84.2345% | 5,692 |
| Total domestic deposits to total assets | 86.7925% | 2,613 |
| Equity capital to assets | 3.7321% | 7,877 |
| Core capital (leverage) ratio | 3.5886% | 7,867 |
| Tier 1 risk-based capital ratio | 5.9677% | 7,814 |
| Total risk-based capital ratio | 7.2439% | 7,817 |
| Memoranda: | ||
| Average total assets | $833,180,400 | 818 |
| Average earning assets | $728,569,000 | 854 |
| Average equity | $46,662,000 | 1,446 |
| Average total loans | $566,962,400 | 840 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3589% | 5,133 |
| Cost of funding earning assets | 3.0795% | 260 |
| Net interest margin | 2.2795% | 7,668 |
| Noninterest income to average assets | 0.2104% | 6,722 |
| Noninterest expense to average assets | 2.3021% | 6,700 |
| Loan and lease loss provision to assets | 4.4011% | 235 |
| Net operating income to assets | -2.8015% | 7,543 |
| Return on assets (ROA) | -2.6392% | 7,504 |
| Pretax return on assets | -4.2543% | 7,725 |
| Return on Equity (ROE) | -43.5233% | 7,786 |
| Retained earnings to average equity (ytd only) | -43.5233% | 7,783 |
| Net charge-offs to loans | 2.9290% | 584 |
| Credit loss provision to net charge-offs | 214.9770% | 2,040 |
| Earnings coverage of net charge-offs (x) | -0.0521% | 6,129 |
| Efficiency ratio | 104.8617% | 886 |
| Assets per employee ($millions) | 6.1773% | 1,133 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5213% | 206 |
| Loan loss allowance to noncurrent loans | 39.5105% | 5,718 |
| Noncurrent assets plus other real estate owned to assets | 8.8477% | 446 |
| Noncurrent loans to loans | 11.4434% | 303 |
| Net loans and leases to total assets | 57.1035% | 6,022 |
| Net loans and leases to deposits | 66.0382% | 6,305 |
| Net loans and leases to core deposits | 77.8401% | 6,505 |
| Total domestic deposits to total assets | 86.4703% | 2,440 |
| Equity capital to assets | 4.8640% | 7,958 |
| Core capital (leverage) ratio | 3.8544% | 7,992 |
| Tier 1 risk-based capital ratio | 6.2717% | 7,942 |
| Total risk-based capital ratio | 7.5614% | 7,944 |
| Memoranda: | ||
| Average total assets | $834,460,250 | 819 |
| Average earning assets | $726,646,000 | 869 |
| Average equity | $50,601,500 | 1,342 |
| Average total loans | $583,247,250 | 834 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6964% | 3,555 |
| Cost of funding earning assets | 2.9971% | 482 |
| Net interest margin | 2.6994% | 7,202 |
| Noninterest income to average assets | 0.3778% | 5,482 |
| Noninterest expense to average assets | 2.4694% | 6,228 |
| Loan and lease loss provision to assets | 5.9141% | 144 |
| Net operating income to assets | -3.6393% | 7,783 |
| Return on assets (ROA) | -3.3885% | 7,748 |
| Pretax return on assets | -5.2938% | 7,898 |
| Return on Equity (ROE) | -52.0305% | 7,923 |
| Retained earnings to average equity (ytd only) | -52.0305% | 7,920 |
| Net charge-offs to loans | 0.7304% | 2,224 |
| Credit loss provision to net charge-offs | 1,099.1280% | 448 |
| Earnings coverage of net charge-offs (x) | 0.4245% | 5,270 |
| Efficiency ratio | 91.5332% | 1,678 |
| Assets per employee ($millions) | 5.9256% | 1,251 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4456% | 100 |
| Loan loss allowance to noncurrent loans | 74.9858% | 3,716 |
| Noncurrent assets plus other real estate owned to assets | 6.3934% | 725 |
| Noncurrent loans to loans | 7.2622% | 660 |
| Net loans and leases to total assets | 60.9038% | 5,536 |
| Net loans and leases to deposits | 70.5333% | 5,928 |
| Net loans and leases to core deposits | 78.3396% | 6,527 |
| Total domestic deposits to total assets | 86.3477% | 2,599 |
| Equity capital to assets | 4.7751% | 8,053 |
| Core capital (leverage) ratio | 4.5583% | 8,052 |
| Tier 1 risk-based capital ratio | 6.5895% | 8,030 |
| Total risk-based capital ratio | 7.8866% | 8,036 |
| Memoranda: | ||
| Average total assets | $809,925,670 | 867 |
| Average earning assets | $696,083,330 | 921 |
| Average equity | $52,746,000 | 1,286 |
| Average total loans | $596,632,670 | 833 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9544% | 2,544 |
| Cost of funding earning assets | 2.7805% | 1,027 |
| Net interest margin | 3.1739% | 5,942 |
| Noninterest income to average assets | 0.3029% | 6,014 |
| Noninterest expense to average assets | 2.5024% | 5,838 |
| Loan and lease loss provision to assets | 1.6533% | 751 |
| Net operating income to assets | -0.5993% | 6,967 |
| Return on assets (ROA) | -0.0732% | 6,484 |
| Pretax return on assets | -0.1146% | 6,492 |
| Return on Equity (ROE) | -0.9720% | 6,534 |
| Retained earnings to average equity (ytd only) | -0.9720% | 5,882 |
| Net charge-offs to loans | -0.0476% | 7,682 |
| Credit loss provision to net charge-offs | -4,388.8889% | 6,715 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7344% | 3,213 |
| Assets per employee ($millions) | 4.9612% | 2,106 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1736% | 1,112 |
| Loan loss allowance to noncurrent loans | 53.9087% | 4,962 |
| Noncurrent assets plus other real estate owned to assets | 5.1674% | 856 |
| Noncurrent loans to loans | 4.0319% | 1,489 |
| Net loans and leases to total assets | 78.9500% | 1,596 |
| Net loans and leases to deposits | 96.7521% | 1,830 |
| Net loans and leases to core deposits | 190.3211% | 178 |
| Total domestic deposits to total assets | 81.6003% | 4,713 |
| Equity capital to assets | 7.7434% | 7,136 |
| Core capital (leverage) ratio | 7.3054% | 7,375 |
| Tier 1 risk-based capital ratio | 9.5479% | 7,389 |
| Total risk-based capital ratio | 10.8096% | 7,319 |
| Memoranda: | ||
| Average total assets | $764,540,000 | 918 |
| Average earning assets | $702,474,000 | 910 |
| Average equity | $57,614,500 | 1,176 |
| Average total loans | $604,873,000 | 813 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4221% | 3,307 |
| Cost of funding earning assets | 3.1238% | 1,440 |
| Net interest margin | 3.2983% | 6,039 |
| Noninterest income to average assets | 0.4800% | 4,801 |
| Noninterest expense to average assets | 2.4969% | 6,017 |
| Loan and lease loss provision to assets | 0.9284% | 1,601 |
| Net operating income to assets | 0.0965% | 6,119 |
| Return on assets (ROA) | 0.1759% | 5,752 |
| Pretax return on assets | 0.2272% | 5,669 |
| Return on Equity (ROE) | 2.4312% | 5,450 |
| Retained earnings to average equity (ytd only) | 2.4312% | 3,683 |
| Net charge-offs to loans | 0.8124% | 1,537 |
| Credit loss provision to net charge-offs | 149.9688% | 3,513 |
| Earnings coverage of net charge-offs (x) | 1.7003% | 5,227 |
| Efficiency ratio | 70.3462% | 4,279 |
| Assets per employee ($millions) | 4.6171% | 2,455 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6124% | 2,188 |
| Loan loss allowance to noncurrent loans | 51.8804% | 5,405 |
| Noncurrent assets plus other real estate owned to assets | 4.4960% | 834 |
| Noncurrent loans to loans | 3.1079% | 1,711 |
| Net loans and leases to total assets | 76.3588% | 2,527 |
| Net loans and leases to deposits | 92.3320% | 3,078 |
| Net loans and leases to core deposits | 176.4247% | 325 |
| Total domestic deposits to total assets | 82.7002% | 3,893 |
| Equity capital to assets | 7.3390% | 7,521 |
| Core capital (leverage) ratio | 7.0548% | 7,650 |
| Tier 1 risk-based capital ratio | 9.1776% | 7,636 |
| Total risk-based capital ratio | 10.4315% | 7,594 |
| Memoranda: | ||
| Average total assets | $777,153,200 | 875 |
| Average earning assets | $723,257,800 | 845 |
| Average equity | $56,226,600 | 1,195 |
| Average total loans | $592,180,800 | 808 |