Home > Hagerstown Trust Company > Performance and Condition Ratios
Hagerstown Trust Company, Performance and Condition Ratios
| 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 | 4.6140% | 7,513 |
| Cost of funding earning assets | 1.7555% | 4,972 |
| Net interest margin | 2.8585% | 6,889 |
| Noninterest income to average assets | 1.1737% | 1,135 |
| Noninterest expense to average assets | 2.5964% | 5,756 |
| Loan and lease loss provision to assets | 0.0832% | 6,345 |
| Net operating income to assets | 0.8361% | 2,718 |
| Return on assets (ROA) | 0.9265% | 2,451 |
| Pretax return on assets | 1.3197% | 1,964 |
| Return on Equity (ROE) | 13.7669% | 1,034 |
| Retained earnings to average equity (ytd only) | 12.1396% | 423 |
| Net charge-offs to loans | 0.1711% | 4,515 |
| Credit loss provision to net charge-offs | 78.8927% | 5,232 |
| Earnings coverage of net charge-offs (x) | 12.0727% | 1,849 |
| Efficiency ratio | 67.0880% | 5,346 |
| Assets per employee ($millions) | 5.8690% | 1,293 |
| Cash dividends to net income (ytd only)* | 11.8203% | 3,356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9397% | 6,599 |
| Loan loss allowance to noncurrent loans | 61.7318% | 4,366 |
| Noncurrent assets plus other real estate owned to assets | 0.9039% | 5,170 |
| Noncurrent loans to loans | 1.5222% | 4,215 |
| Net loans and leases to total assets | 58.8273% | 5,859 |
| Net loans and leases to deposits | 73.0951% | 5,595 |
| Net loans and leases to core deposits | 85.5552% | 5,958 |
| Total domestic deposits to total assets | 80.4804% | 5,285 |
| Equity capital to assets | 6.7681% | 7,722 |
| Core capital (leverage) ratio | 6.5541% | 7,769 |
| Tier 1 risk-based capital ratio | 10.4086% | 6,469 |
| Total risk-based capital ratio | 11.2978% | 6,796 |
| Memoranda: | ||
| Average total assets | $547,844,670 | 1,290 |
| Average earning assets | $516,773,330 | 1,251 |
| Average equity | $36,871,000 | 1,855 |
| Average total loans | $337,903,670 | 1,473 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5756% | 7,641 |
| Cost of funding earning assets | 1.8170% | 5,033 |
| Net interest margin | 2.7586% | 7,076 |
| Noninterest income to average assets | 1.1947% | 1,017 |
| Noninterest expense to average assets | 2.5220% | 5,757 |
| Loan and lease loss provision to assets | 0.0844% | 5,876 |
| Net operating income to assets | 0.8430% | 2,940 |
| Return on assets (ROA) | 0.9088% | 2,813 |
| Pretax return on assets | 1.3013% | 2,281 |
| Return on Equity (ROE) | 13.5430% | 1,260 |
| Retained earnings to average equity (ytd only) | 10.2318% | 1,134 |
| Net charge-offs to loans | 0.1814% | 3,553 |
| Credit loss provision to net charge-offs | 74.0260% | 4,283 |
| Earnings coverage of net charge-offs (x) | 11.3247% | 1,883 |
| Efficiency ratio | 66.1293% | 5,306 |
| Assets per employee ($millions) | 5.7001% | 1,400 |
| Cash dividends to net income (ytd only)* | 24.4499% | 2,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9427% | 6,537 |
| Loan loss allowance to noncurrent loans | 72.5391% | 3,984 |
| Noncurrent assets plus other real estate owned to assets | 0.8387% | 5,090 |
| Noncurrent loans to loans | 1.2995% | 4,377 |
| Net loans and leases to total assets | 59.9426% | 5,663 |
| Net loans and leases to deposits | 74.9259% | 5,353 |
| Net loans and leases to core deposits | 87.4346% | 5,792 |
| Total domestic deposits to total assets | 80.0025% | 5,371 |
| Equity capital to assets | 6.7094% | 7,806 |
| Core capital (leverage) ratio | 6.5610% | 7,853 |
| Tier 1 risk-based capital ratio | 10.3289% | 6,568 |
| Total risk-based capital ratio | 11.2495% | 6,826 |
| Memoranda: | ||
| Average total assets | $540,055,000 | 1,313 |
| Average earning assets | $512,718,000 | 1,263 |
| Average equity | $36,240,000 | 1,886 |
| Average total loans | $339,560,000 | 1,481 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4621% | 7,379 |
| Cost of funding earning assets | 2.0928% | 6,085 |
| Net interest margin | 3.3693% | 5,786 |
| Noninterest income to average assets | 1.2414% | 965 |
| Noninterest expense to average assets | 2.6214% | 5,571 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.3298% | 1,404 |
| Return on assets (ROA) | 1.3788% | 1,233 |
| Pretax return on assets | 1.8370% | 872 |
| Return on Equity (ROE) | 20.2469% | 353 |
| Retained earnings to average equity (ytd only) | -0.6891% | 5,507 |
| Net charge-offs to loans | 0.6223% | 1,975 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 4.2123% | 4,067 |
| Efficiency ratio | 59.6709% | 6,407 |
| Assets per employee ($millions) | 5.2720% | 1,668 |
| Cash dividends to net income (ytd only)* | 103.4037% | 905 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9122% | 6,611 |
| Loan loss allowance to noncurrent loans | 83.6127% | 4,011 |
| Noncurrent assets plus other real estate owned to assets | 0.7678% | 4,926 |
| Noncurrent loans to loans | 1.0910% | 4,376 |
| Net loans and leases to total assets | 64.7561% | 5,119 |
| Net loans and leases to deposits | 80.6987% | 4,924 |
| Net loans and leases to core deposits | 93.2271% | 5,525 |
| Total domestic deposits to total assets | 80.2443% | 4,928 |
| Equity capital to assets | 6.7115% | 7,867 |
| Core capital (leverage) ratio | 6.7427% | 7,842 |
| Tier 1 risk-based capital ratio | 9.9939% | 6,743 |
| Total risk-based capital ratio | 10.9198% | 7,014 |
| Memoranda: | ||
| Average total assets | $505,006,600 | 1,337 |
| Average earning assets | $472,384,800 | 1,308 |
| Average equity | $34,390,400 | 1,975 |
| Average total loans | $341,324,400 | 1,422 |