Home > Lafayette Bank and Trust Company > Performance and Condition Ratios
Lafayette Bank and 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 | 4.7888% | 7,249 |
| Cost of funding earning assets | 1.7548% | 4,979 |
| Net interest margin | 3.0340% | 6,453 |
| Noninterest income to average assets | 0.7947% | 2,439 |
| Noninterest expense to average assets | 2.3556% | 6,608 |
| Loan and lease loss provision to assets | 0.7142% | 2,294 |
| Net operating income to assets | 0.3383% | 4,724 |
| Return on assets (ROA) | 0.5109% | 4,164 |
| Pretax return on assets | 0.5336% | 4,515 |
| Return on Equity (ROE) | 3.9127% | 4,530 |
| Retained earnings to average equity (ytd only) | 3.9127% | 3,105 |
| Net charge-offs to loans | 1.2630% | 1,466 |
| Credit loss provision to net charge-offs | 94.0372% | 4,800 |
| Earnings coverage of net charge-offs (x) | 1.4063% | 4,474 |
| Efficiency ratio | 64.2064% | 5,874 |
| Assets per employee ($millions) | 6.1859% | 1,106 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5970% | 2,758 |
| Loan loss allowance to noncurrent loans | 66.5856% | 4,101 |
| Noncurrent assets plus other real estate owned to assets | 1.5316% | 3,926 |
| Noncurrent loans to loans | 2.3985% | 3,011 |
| Net loans and leases to total assets | 54.5153% | 6,380 |
| Net loans and leases to deposits | 67.3305% | 6,265 |
| Net loans and leases to core deposits | 77.5339% | 6,572 |
| Total domestic deposits to total assets | 80.9667% | 5,096 |
| Equity capital to assets | 11.6507% | 2,422 |
| Core capital (leverage) ratio | 7.4894% | 7,032 |
| Tier 1 risk-based capital ratio | 10.0853% | 6,838 |
| Total risk-based capital ratio | 11.2900% | 6,799 |
| Memoranda: | ||
| Average total assets | $1,020,224,000 | 683 |
| Average earning assets | $883,976,000 | 713 |
| Average equity | $133,206,000 | 521 |
| Average total loans | $613,463,670 | 800 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8786% | 7,221 |
| Cost of funding earning assets | 1.6449% | 5,838 |
| Net interest margin | 3.2337% | 5,745 |
| Noninterest income to average assets | 0.7427% | 2,644 |
| Noninterest expense to average assets | 2.2631% | 6,652 |
| Loan and lease loss provision to assets | 0.7364% | 1,744 |
| Net operating income to assets | 0.4040% | 4,841 |
| Return on assets (ROA) | 0.6550% | 3,958 |
| Pretax return on assets | 0.8299% | 3,974 |
| Return on Equity (ROE) | 4.7137% | 4,599 |
| Retained earnings to average equity (ytd only) | 4.7137% | 3,291 |
| Net charge-offs to loans | 1.4688% | 981 |
| Credit loss provision to net charge-offs | 79.6388% | 4,195 |
| Earnings coverage of net charge-offs (x) | 1.3503% | 4,065 |
| Efficiency ratio | 59.6767% | 6,446 |
| Assets per employee ($millions) | 6.0565% | 1,164 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5111% | 2,918 |
| Loan loss allowance to noncurrent loans | 71.2734% | 4,035 |
| Noncurrent assets plus other real estate owned to assets | 1.3698% | 3,914 |
| Noncurrent loans to loans | 2.1202% | 3,089 |
| Net loans and leases to total assets | 58.2730% | 5,901 |
| Net loans and leases to deposits | 76.7462% | 5,121 |
| Net loans and leases to core deposits | 87.3004% | 5,807 |
| Total domestic deposits to total assets | 75.9295% | 6,527 |
| Equity capital to assets | 13.3006% | 1,614 |
| Core capital (leverage) ratio | 9.1003% | 4,557 |
| Tier 1 risk-based capital ratio | 10.4532% | 6,440 |
| Total risk-based capital ratio | 11.6476% | 6,406 |
| Memoranda: | ||
| Average total assets | $958,142,500 | 729 |
| Average earning assets | $820,477,500 | 778 |
| Average equity | $133,144,500 | 515 |
| Average total loans | $603,200,000 | 816 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6813% | 6,833 |
| Cost of funding earning assets | 2.3251% | 5,038 |
| Net interest margin | 3.3561% | 5,845 |
| Noninterest income to average assets | 0.7189% | 2,998 |
| Noninterest expense to average assets | 2.1790% | 7,019 |
| Loan and lease loss provision to assets | 0.6482% | 2,248 |
| Net operating income to assets | 0.6200% | 4,226 |
| Return on assets (ROA) | 0.5111% | 4,531 |
| Pretax return on assets | 0.6431% | 4,565 |
| Return on Equity (ROE) | 3.6622% | 4,970 |
| Retained earnings to average equity (ytd only) | -0.1366% | 5,318 |
| Net charge-offs to loans | 0.5045% | 2,340 |
| Credit loss provision to net charge-offs | 200.0629% | 2,432 |
| Earnings coverage of net charge-offs (x) | 4.4110% | 3,993 |
| Efficiency ratio | 55.8548% | 7,034 |
| Assets per employee ($millions) | 5.3583% | 1,569 |
| Cash dividends to net income (ytd only)* | 103.7303% | 898 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5435% | 2,480 |
| Loan loss allowance to noncurrent loans | 91.3835% | 3,709 |
| Noncurrent assets plus other real estate owned to assets | 1.2883% | 3,648 |
| Noncurrent loans to loans | 1.6890% | 3,238 |
| Net loans and leases to total assets | 66.0999% | 4,830 |
| Net loans and leases to deposits | 83.1892% | 4,548 |
| Net loans and leases to core deposits | 95.2418% | 5,322 |
| Total domestic deposits to total assets | 79.4572% | 5,221 |
| Equity capital to assets | 14.5533% | 1,279 |
| Core capital (leverage) ratio | 8.7176% | 5,166 |
| Tier 1 risk-based capital ratio | 10.9813% | 5,740 |
| Total risk-based capital ratio | 12.2326% | 5,644 |
| Memoranda: | ||
| Average total assets | $980,826,200 | 672 |
| Average earning assets | $844,391,400 | 713 |
| Average equity | $136,883,800 | 516 |
| Average total loans | $629,914,800 | 758 |