Home > Lawrenceburg Bank and Trust Company > Performance and Condition Ratios
Lawrenceburg Bank and Trust Company, Performance and Condition Ratios
| 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 | 5.0295% | 4,884 |
| Cost of funding earning assets | 2.1974% | 599 |
| Net interest margin | 2.8321% | 7,134 |
| Noninterest income to average assets | 0.4379% | 4,575 |
| Noninterest expense to average assets | 2.4017% | 6,078 |
| Loan and lease loss provision to assets | 0.3022% | 3,620 |
| Net operating income to assets | 0.2960% | 5,317 |
| Return on assets (ROA) | 0.6078% | 4,008 |
| Pretax return on assets | 0.8496% | 3,672 |
| Return on Equity (ROE) | 9.7583% | 2,183 |
| Retained earnings to average equity (ytd only) | 9.7583% | 1,193 |
| Net charge-offs to loans | 0.5971% | 2,315 |
| Credit loss provision to net charge-offs | 100.0000% | 3,385 |
| Earnings coverage of net charge-offs (x) | 2.3784% | 3,351 |
| Efficiency ratio | 76.9634% | 3,064 |
| Assets per employee ($millions) | 4.9927% | 2,241 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7053% | 3,046 |
| Loan loss allowance to noncurrent loans | 86.4463% | 3,171 |
| Noncurrent assets plus other real estate owned to assets | 1.0513% | 5,040 |
| Noncurrent loans to loans | 1.9727% | 3,828 |
| Net loans and leases to total assets | 49.2904% | 6,542 |
| Net loans and leases to deposits | 61.6608% | 6,309 |
| Net loans and leases to core deposits | 63.1130% | 6,518 |
| Total domestic deposits to total assets | 79.9380% | 5,801 |
| Equity capital to assets | 6.5753% | 7,509 |
| Core capital (leverage) ratio | 6.0842% | 7,566 |
| Tier 1 risk-based capital ratio | 11.6119% | 5,565 |
| Total risk-based capital ratio | 12.8623% | 5,533 |
| Memoranda: | ||
| Average total assets | $244,830,500 | 2,699 |
| Average earning assets | $231,912,500 | 2,623 |
| Average equity | $15,248,500 | 3,973 |
| Average total loans | $123,933,500 | 3,383 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2551% | 5,388 |
| Cost of funding earning assets | 2.6727% | 629 |
| Net interest margin | 2.5825% | 7,346 |
| Noninterest income to average assets | 0.4922% | 4,476 |
| Noninterest expense to average assets | 2.3013% | 6,744 |
| Loan and lease loss provision to assets | 0.4524% | 4,113 |
| Net operating income to assets | 0.1716% | 4,992 |
| Return on assets (ROA) | 0.3707% | 4,346 |
| Pretax return on assets | 0.4194% | 4,440 |
| Return on Equity (ROE) | 7.0841% | 2,760 |
| Retained earnings to average equity (ytd only) | 7.0841% | 936 |
| Net charge-offs to loans | 0.5510% | 3,582 |
| Credit loss provision to net charge-offs | 160.8011% | 2,769 |
| Earnings coverage of net charge-offs (x) | 2.2947% | 4,007 |
| Efficiency ratio | 78.0934% | 3,175 |
| Assets per employee ($millions) | 5.1046% | 2,079 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6711% | 3,000 |
| Loan loss allowance to noncurrent loans | 126.7879% | 2,234 |
| Noncurrent assets plus other real estate owned to assets | 0.7734% | 5,556 |
| Noncurrent loans to loans | 1.3180% | 4,721 |
| Net loans and leases to total assets | 50.2402% | 6,617 |
| Net loans and leases to deposits | 62.2468% | 6,437 |
| Net loans and leases to core deposits | 80.2464% | 6,069 |
| Total domestic deposits to total assets | 80.7113% | 5,436 |
| Equity capital to assets | 5.8816% | 7,679 |
| Core capital (leverage) ratio | 5.4587% | 7,719 |
| Tier 1 risk-based capital ratio | 10.2412% | 6,645 |
| Total risk-based capital ratio | 11.4953% | 6,610 |
| Memoranda: | ||
| Average total assets | $248,465,600 | 2,623 |
| Average earning assets | $236,169,400 | 2,545 |
| Average equity | $13,001,000 | 4,511 |
| Average total loans | $126,869,400 | 3,336 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2604% | 5,632 |
| Cost of funding earning assets | 2.7491% | 688 |
| Net interest margin | 2.5113% | 7,457 |
| Noninterest income to average assets | 0.5021% | 4,464 |
| Noninterest expense to average assets | 2.2738% | 6,771 |
| Loan and lease loss provision to assets | 0.4332% | 3,738 |
| Net operating income to assets | 0.1558% | 5,302 |
| Return on assets (ROA) | 0.4112% | 4,453 |
| Pretax return on assets | 0.4850% | 4,565 |
| Return on Equity (ROE) | 8.1062% | 2,596 |
| Retained earnings to average equity (ytd only) | 8.1062% | 1,107 |
| Net charge-offs to loans | 0.5583% | 3,007 |
| Credit loss provision to net charge-offs | 151.9700% | 3,147 |
| Earnings coverage of net charge-offs (x) | 2.1670% | 4,203 |
| Efficiency ratio | 78.6388% | 3,061 |
| Assets per employee ($millions) | 4.9852% | 2,167 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5201% | 3,326 |
| Loan loss allowance to noncurrent loans | 180.8372% | 1,623 |
| Noncurrent assets plus other real estate owned to assets | 0.5424% | 6,099 |
| Noncurrent loans to loans | 0.8406% | 5,614 |
| Net loans and leases to total assets | 50.5260% | 6,737 |
| Net loans and leases to deposits | 62.5426% | 6,626 |
| Net loans and leases to core deposits | 82.1770% | 6,169 |
| Total domestic deposits to total assets | 80.7865% | 5,160 |
| Equity capital to assets | 5.8858% | 7,877 |
| Core capital (leverage) ratio | 5.3645% | 7,892 |
| Tier 1 risk-based capital ratio | 9.9317% | 7,033 |
| Total risk-based capital ratio | 11.1817% | 6,994 |
| Memoranda: | ||
| Average total assets | $249,327,250 | 2,631 |
| Average earning assets | $237,213,750 | 2,550 |
| Average equity | $12,648,500 | 4,618 |
| Average total loans | $127,289,250 | 3,354 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2443% | 5,899 |
| Cost of funding earning assets | 2.7972% | 796 |
| Net interest margin | 2.4471% | 7,527 |
| Noninterest income to average assets | 0.4796% | 4,628 |
| Noninterest expense to average assets | 2.3148% | 6,721 |
| Loan and lease loss provision to assets | 0.4131% | 3,463 |
| Net operating income to assets | 0.0668% | 5,655 |
| Return on assets (ROA) | 0.4500% | 4,396 |
| Pretax return on assets | 0.5294% | 4,524 |
| Return on Equity (ROE) | 9.3700% | 2,227 |
| Retained earnings to average equity (ytd only) | 9.3700% | 843 |
| Net charge-offs to loans | 0.6515% | 2,407 |
| Credit loss provision to net charge-offs | 124.3961% | 3,741 |
| Earnings coverage of net charge-offs (x) | 1.4807% | 4,425 |
| Efficiency ratio | 82.4807% | 2,667 |
| Assets per employee ($millions) | 5.0580% | 2,017 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4154% | 3,646 |
| Loan loss allowance to noncurrent loans | 108.7331% | 2,696 |
| Noncurrent assets plus other real estate owned to assets | 0.6726% | 5,728 |
| Noncurrent loans to loans | 1.3017% | 4,601 |
| Net loans and leases to total assets | 48.6926% | 6,977 |
| Net loans and leases to deposits | 59.6259% | 6,920 |
| Net loans and leases to core deposits | 77.7143% | 6,558 |
| Total domestic deposits to total assets | 81.6634% | 4,825 |
| Equity capital to assets | 5.1068% | 8,028 |
| Core capital (leverage) ratio | 5.2501% | 8,005 |
| Tier 1 risk-based capital ratio | 9.9250% | 7,015 |
| Total risk-based capital ratio | 11.1781% | 6,934 |
| Memoranda: | ||
| Average total assets | $249,349,000 | 2,643 |
| Average earning assets | $237,094,330 | 2,555 |
| Average equity | $11,974,330 | 4,817 |
| Average total loans | $127,090,330 | 3,398 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3284% | 5,764 |
| Cost of funding earning assets | 2.8408% | 885 |
| Net interest margin | 2.4876% | 7,518 |
| Noninterest income to average assets | 0.4492% | 4,778 |
| Noninterest expense to average assets | 2.2119% | 6,834 |
| Loan and lease loss provision to assets | 0.3587% | 3,170 |
| Net operating income to assets | 0.1934% | 5,680 |
| Return on assets (ROA) | 0.4152% | 4,975 |
| Pretax return on assets | 0.5299% | 4,977 |
| Return on Equity (ROE) | 8.9360% | 2,747 |
| Retained earnings to average equity (ytd only) | 8.9360% | 1,504 |
| Net charge-offs to loans | 0.6241% | 1,925 |
| Credit loss provision to net charge-offs | 111.0000% | 3,478 |
| Earnings coverage of net charge-offs (x) | 1.8700% | 3,795 |
| Efficiency ratio | 78.5427% | 3,077 |
| Assets per employee ($millions) | 5.2291% | 1,817 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3229% | 3,943 |
| Loan loss allowance to noncurrent loans | 183.6779% | 1,797 |
| Noncurrent assets plus other real estate owned to assets | 0.3836% | 6,351 |
| Noncurrent loans to loans | 0.7203% | 5,617 |
| Net loans and leases to total assets | 49.1385% | 6,936 |
| Net loans and leases to deposits | 60.5649% | 6,848 |
| Net loans and leases to core deposits | 78.3831% | 6,508 |
| Total domestic deposits to total assets | 81.1335% | 4,909 |
| Equity capital to assets | 4.3770% | 8,150 |
| Core capital (leverage) ratio | 4.8509% | 8,134 |
| Tier 1 risk-based capital ratio | 9.2380% | 7,639 |
| Total risk-based capital ratio | 10.4885% | 7,623 |
| Memoranda: | ||
| Average total assets | $247,574,000 | 2,679 |
| Average earning assets | $235,568,500 | 2,576 |
| Average equity | $11,504,000 | 4,974 |
| Average total loans | $128,180,000 | 3,411 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2727% | 4,108 |
| Cost of funding earning assets | 3.2507% | 1,043 |
| Net interest margin | 3.0220% | 6,851 |
| Noninterest income to average assets | 0.6524% | 3,455 |
| Noninterest expense to average assets | 2.3688% | 6,507 |
| Loan and lease loss provision to assets | 0.2465% | 4,450 |
| Net operating income to assets | 0.6283% | 4,194 |
| Return on assets (ROA) | -0.1392% | 6,396 |
| Pretax return on assets | -0.3119% | 6,477 |
| Return on Equity (ROE) | -2.7851% | 6,593 |
| Retained earnings to average equity (ytd only) | -2.7851% | 6,051 |
| Net charge-offs to loans | 0.1935% | 4,252 |
| Credit loss provision to net charge-offs | 226.7490% | 2,095 |
| Earnings coverage of net charge-offs (x) | 10.4280% | 2,514 |
| Efficiency ratio | 67.6290% | 4,790 |
| Assets per employee ($millions) | 4.7784% | 2,206 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2946% | 3,821 |
| Loan loss allowance to noncurrent loans | 242.6492% | 1,629 |
| Noncurrent assets plus other real estate owned to assets | 0.4047% | 6,004 |
| Noncurrent loans to loans | 0.5335% | 5,757 |
| Net loans and leases to total assets | 53.1971% | 6,732 |
| Net loans and leases to deposits | 65.3321% | 6,689 |
| Net loans and leases to core deposits | 85.1202% | 6,201 |
| Total domestic deposits to total assets | 81.4257% | 4,448 |
| Equity capital to assets | 4.9359% | 8,196 |
| Core capital (leverage) ratio | 4.9960% | 8,211 |
| Tier 1 risk-based capital ratio | 9.3419% | 7,475 |
| Total risk-based capital ratio | 10.5928% | 7,402 |
| Memoranda: | ||
| Average total assets | $223,491,600 | 2,836 |
| Average earning assets | $210,787,800 | 2,765 |
| Average equity | $11,166,600 | 5,077 |
| Average total loans | $125,565,800 | 3,337 |