Home > Guardian Trust Company, FSB > Performance and Condition Ratios
Guardian Trust Company, FSB, Performance and Condition Ratios
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0143% | 7,120 |
| Cost of funding earning assets | 0.3287% | 7,485 |
| Net interest margin | 3.6856% | 4,413 |
| Noninterest income to average assets | 5.6384% | 120 |
| Noninterest expense to average assets | 7.5061% | 131 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.6542% | 3,423 |
| Return on assets (ROA) | 0.8986% | 2,523 |
| Pretax return on assets | 1.2334% | 2,128 |
| Return on Equity (ROE) | 1.2784% | 5,627 |
| Retained earnings to average equity (ytd only) | 1.2784% | 4,911 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.3082% | 1,379 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,616 |
| Net loans and leases to deposits | NA | NA |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.0000% | 7,665 |
| Equity capital to assets | 95.4492% | 2 |
| Core capital (leverage) ratio | 96.9578% | 3 |
| Tier 1 risk-based capital ratio | 478.4504% | 4 |
| Total risk-based capital ratio | 478.4504% | 4 |
| Memoranda: | ||
| Average total assets | $5,675,400 | 7,653 |
| Average earning assets | $4,259,800 | 7,645 |
| Average equity | $3,989,400 | 7,006 |
| Average total loans | NA | NA |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9302% | 7,323 |
| Cost of funding earning assets | 0.3326% | 7,616 |
| Net interest margin | 3.5975% | 4,891 |
| Noninterest income to average assets | 7.0645% | 94 |
| Noninterest expense to average assets | 9.0292% | 93 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.4981% | 4,326 |
| Return on assets (ROA) | 0.8168% | 3,072 |
| Pretax return on assets | 1.0817% | 2,890 |
| Return on Equity (ROE) | 1.2394% | 5,838 |
| Retained earnings to average equity (ytd only) | 1.2394% | 5,317 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.1663% | 1,048 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,720 |
| Net loans and leases to deposits | 0.0000% | 7,720 |
| Net loans and leases to core deposits | 0.0000% | 7,701 |
| Total domestic deposits to total assets | 14.7892% | 7,721 |
| Equity capital to assets | 82.6034% | 24 |
| Core capital (leverage) ratio | 83.7160% | 20 |
| Tier 1 risk-based capital ratio | 400.2033% | 16 |
| Total risk-based capital ratio | 400.2033% | 16 |
| Memoranda: | ||
| Average total assets | $6,039,500 | 7,754 |
| Average earning assets | $4,410,250 | 7,747 |
| Average equity | $3,980,000 | 7,100 |
| Average total loans | NA | NA |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9100% | 7,419 |
| Cost of funding earning assets | 0.3555% | 7,686 |
| Net interest margin | 3.5545% | 5,030 |
| Noninterest income to average assets | 9.9434% | 66 |
| Noninterest expense to average assets | 11.8136% | 61 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.4052% | 4,732 |
| Return on assets (ROA) | 0.4052% | 4,894 |
| Pretax return on assets | 0.6234% | 4,494 |
| Return on Equity (ROE) | 0.6574% | 6,041 |
| Retained earnings to average equity (ytd only) | 0.6574% | 5,498 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.9875% | 1,010 |
| Assets per employee ($millions) | 0.8955% | 7,773 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,788 |
| Net loans and leases to deposits | 0.0000% | 7,788 |
| Net loans and leases to core deposits | 0.0000% | 7,770 |
| Total domestic deposits to total assets | 13.4189% | 7,794 |
| Equity capital to assets | 74.7813% | 36 |
| Core capital (leverage) ratio | 79.3229% | 27 |
| Tier 1 risk-based capital ratio | 313.2906% | 22 |
| Total risk-based capital ratio | 313.2906% | 22 |
| Memoranda: | ||
| Average total assets | $6,416,330 | 7,821 |
| Average earning assets | $4,501,330 | 7,815 |
| Average equity | $3,955,000 | 7,141 |
| Average total loans | NA | NA |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8848% | 7,531 |
| Cost of funding earning assets | 0.3453% | 7,794 |
| Net interest margin | 3.5394% | 4,996 |
| Noninterest income to average assets | 19.4292% | 42 |
| Noninterest expense to average assets | 21.2165% | 40 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.4036% | 4,824 |
| Return on assets (ROA) | 0.4036% | 4,973 |
| Pretax return on assets | 0.5765% | 4,696 |
| Return on Equity (ROE) | 0.7136% | 6,202 |
| Retained earnings to average equity (ytd only) | 0.7136% | 5,537 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.3545% | 949 |
| Assets per employee ($millions) | 0.4580% | 7,893 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,889 |
| Net loans and leases to deposits | 0.0000% | 7,889 |
| Net loans and leases to core deposits | 0.0000% | 7,870 |
| Total domestic deposits to total assets | 11.1822% | 7,897 |
| Equity capital to assets | 61.3693% | 40 |
| Core capital (leverage) ratio | 79.5885% | 26 |
| Tier 1 risk-based capital ratio | 276.5039% | 22 |
| Total risk-based capital ratio | 276.5039% | 22 |
| Memoranda: | ||
| Average total assets | $6,938,000 | 7,920 |
| Average earning assets | $4,633,500 | 7,916 |
| Average equity | $3,923,500 | 7,213 |
| Average total loans | NA | NA |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9363% | 7,721 |
| Cost of funding earning assets | 0.4473% | 7,859 |
| Net interest margin | 3.4890% | 5,008 |
| Noninterest income to average assets | 59.5686% | 21 |
| Noninterest expense to average assets | 62.7422% | 19 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | -0.6460% | 6,308 |
| Return on assets (ROA) | 0.3511% | 4,412 |
| Pretax return on assets | 0.0140% | 5,405 |
| Return on Equity (ROE) | 0.6277% | 5,350 |
| Retained earnings to average equity (ytd only) | 0.6277% | 4,559 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.5916% | 1,025 |
| Assets per employee ($millions) | 0.4147% | 7,977 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| 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 | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,964 |
| Net loans and leases to deposits | 0.0000% | 7,964 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 9.5525% | 7,978 |
| Equity capital to assets | 52.4116% | 51 |
| Core capital (leverage) ratio | 62.0029% | 40 |
| Tier 1 risk-based capital ratio | 215.3803% | 32 |
| Total risk-based capital ratio | 215.3803% | 32 |
| Memoranda: | ||
| Average total assets | $7,121,200 | 7,999 |
| Average earning assets | $4,471,200 | 7,997 |
| Average equity | $3,982,600 | 7,304 |
| Average total loans | NA | NA |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0516% | 7,785 |
| Cost of funding earning assets | 0.4910% | 7,945 |
| Net interest margin | 3.5603% | 4,633 |
| Noninterest income to average assets | 65.4758% | 19 |
| Noninterest expense to average assets | 67.1246% | 18 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.3411% | 4,634 |
| Return on assets (ROA) | 0.3411% | 4,728 |
| Pretax return on assets | 0.5496% | 4,361 |
| Return on Equity (ROE) | 0.6000% | 5,613 |
| Retained earnings to average equity (ytd only) | 0.6000% | 4,950 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.1879% | 1,100 |
| Assets per employee ($millions) | 0.3933% | 8,062 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| 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 | NA | NA |
| Net loans and leases to total assets | 0.0000% | 8,051 |
| Net loans and leases to deposits | 0.0000% | 8,051 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 10.0155% | 8,061 |
| Equity capital to assets | 56.7171% | 46 |
| Core capital (leverage) ratio | 56.5003% | 45 |
| Tier 1 risk-based capital ratio | 170.0437% | 41 |
| Total risk-based capital ratio | 170.0437% | 41 |
| Memoranda: | ||
| Average total assets | $7,035,500 | 8,086 |
| Average earning assets | $4,344,000 | 8,083 |
| Average equity | $4,000,250 | 7,356 |
| Average total loans | NA | NA |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1763% | 7,839 |
| Cost of funding earning assets | 0.5568% | 8,018 |
| Net interest margin | 3.6195% | 4,284 |
| Noninterest income to average assets | 65.2044% | 19 |
| Noninterest expense to average assets | 66.8851% | 19 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.3418% | 4,715 |
| Return on assets (ROA) | 0.3418% | 4,826 |
| Pretax return on assets | 0.5412% | 4,494 |
| Return on Equity (ROE) | 0.6007% | 5,755 |
| Retained earnings to average equity (ytd only) | 0.6007% | 4,949 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.1973% | 1,211 |
| Assets per employee ($millions) | 0.4057% | 8,156 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| 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 | NA | NA |
| Net loans and leases to total assets | 0.0000% | 8,143 |
| Net loans and leases to deposits | 0.0000% | 8,143 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 9.6412% | 8,161 |
| Equity capital to assets | 54.7110% | 57 |
| Core capital (leverage) ratio | 54.4843% | 57 |
| Tier 1 risk-based capital ratio | 208.3601% | 34 |
| Total risk-based capital ratio | 208.3601% | 35 |
| Memoranda: | ||
| Average total assets | $7,021,000 | 8,180 |
| Average earning assets | $4,310,000 | 8,176 |
| Average equity | $3,995,330 | 7,419 |
| Average total loans | NA | NA |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1652% | 7,919 |
| Cost of funding earning assets | 0.5554% | 8,076 |
| Net interest margin | 3.6099% | 4,278 |
| Noninterest income to average assets | 65.2278% | 18 |
| Noninterest expense to average assets | 66.9137% | 21 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.3488% | 5,074 |
| Return on assets (ROA) | 0.3488% | 5,256 |
| Pretax return on assets | 0.5814% | 4,813 |
| Return on Equity (ROE) | 0.6007% | 6,251 |
| Retained earnings to average equity (ytd only) | 0.6007% | 5,416 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.1387% | 1,168 |
| Assets per employee ($millions) | 0.4149% | 8,209 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| 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 | NA | NA |
| Net loans and leases to total assets | 0.0000% | 8,196 |
| Net loans and leases to deposits | 0.0000% | 8,196 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 9.3465% | 8,214 |
| Equity capital to assets | 53.6556% | 62 |
| Core capital (leverage) ratio | 53.3535% | 66 |
| Tier 1 risk-based capital ratio | 217.4790% | 35 |
| Total risk-based capital ratio | 217.4790% | 35 |
| Memoranda: | ||
| Average total assets | $6,880,500 | 8,231 |
| Average earning assets | $4,321,500 | 8,227 |
| Average equity | $3,995,500 | 7,459 |
| Average total loans | NA | NA |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6545% | 7,990 |
| Cost of funding earning assets | 0.5294% | 8,186 |
| Net interest margin | 4.1251% | 2,605 |
| Noninterest income to average assets | 77.8565% | 18 |
| Noninterest expense to average assets | 79.7834% | 15 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.2734% | 5,635 |
| Return on assets (ROA) | 0.2734% | 5,453 |
| Pretax return on assets | 0.5078% | 4,949 |
| Return on Equity (ROE) | 0.5360% | 6,059 |
| Retained earnings to average equity (ytd only) | 0.5360% | 4,915 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.3676% | 1,006 |
| Assets per employee ($millions) | 0.3496% | 8,264 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| 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 | NA | NA |
| Net loans and leases to total assets | 0.0000% | 8,249 |
| Net loans and leases to deposits | 0.0000% | 8,249 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 10.9963% | 8,262 |
| Equity capital to assets | 63.3084% | 50 |
| Core capital (leverage) ratio | 63.2713% | 55 |
| Tier 1 risk-based capital ratio | 228.9427% | 35 |
| Total risk-based capital ratio | 228.9427% | 35 |
| Memoranda: | ||
| Average total assets | $7,680,800 | 8,275 |
| Average earning assets | $4,533,200 | 8,284 |
| Average equity | $3,918,200 | 7,547 |
| Average total loans | NA | NA |