Home > Legacy Bank > Performance and Condition Ratios
Legacy Bank, 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 | 4.5006% | 6,400 |
| Cost of funding earning assets | 1.1737% | 4,708 |
| Net interest margin | 3.3269% | 5,883 |
| Noninterest income to average assets | -1.6235% | 7,646 |
| Noninterest expense to average assets | 3.4735% | 2,245 |
| Loan and lease loss provision to assets | 0.6185% | 2,662 |
| Net operating income to assets | -2.9088% | 7,274 |
| Return on assets (ROA) | -2.9088% | 7,294 |
| Pretax return on assets | -2.8544% | 7,259 |
| Return on Equity (ROE) | -99.0648% | 7,592 |
| Retained earnings to average equity (ytd only) | -99.0648% | 7,592 |
| Net charge-offs to loans | 3.6994% | 369 |
| Credit loss provision to net charge-offs | 22.8885% | 6,542 |
| Earnings coverage of net charge-offs (x) | -0.8274% | 6,560 |
| Efficiency ratio | 280.6597% | 34 |
| Assets per employee ($millions) | 8.0262% | 473 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7104% | 1,151 |
| Loan loss allowance to noncurrent loans | 78.1877% | 3,613 |
| Noncurrent assets plus other real estate owned to assets | 17.0419% | 116 |
| Noncurrent loans to loans | 3.4665% | 2,182 |
| Net loans and leases to total assets | 69.6884% | 2,606 |
| Net loans and leases to deposits | 79.4477% | 3,265 |
| Net loans and leases to core deposits | 82.2773% | 3,869 |
| Total domestic deposits to total assets | 87.7160% | 2,410 |
| Equity capital to assets | 1.5677% | 7,621 |
| Core capital (leverage) ratio | 1.3590% | 7,624 |
| Tier 1 risk-based capital ratio | 1.7978% | 7,624 |
| Total risk-based capital ratio | 3.0630% | 7,625 |
| Memoranda: | ||
| Average total assets | $161,683,000 | 3,668 |
| Average earning assets | $139,047,200 | 3,837 |
| Average equity | $4,747,400 | 6,745 |
| Average total loans | $118,100,000 | 3,355 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4259% | 6,771 |
| Cost of funding earning assets | 1.2115% | 4,796 |
| Net interest margin | 3.2145% | 6,289 |
| Noninterest income to average assets | -1.5913% | 7,747 |
| Noninterest expense to average assets | 3.1461% | 3,123 |
| Loan and lease loss provision to assets | 0.7937% | 1,915 |
| Net operating income to assets | -2.8001% | 7,409 |
| Return on assets (ROA) | -2.8001% | 7,426 |
| Pretax return on assets | -2.7302% | 7,367 |
| Return on Equity (ROE) | -87.1170% | 7,672 |
| Retained earnings to average equity (ytd only) | -87.1170% | 7,672 |
| Net charge-offs to loans | 3.5705% | 372 |
| Credit loss provision to net charge-offs | 30.3122% | 6,148 |
| Earnings coverage of net charge-offs (x) | -0.7396% | 6,402 |
| Efficiency ratio | 260.1050% | 42 |
| Assets per employee ($millions) | 7.5320% | 618 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3911% | 581 |
| Loan loss allowance to noncurrent loans | 55.7989% | 4,582 |
| Noncurrent assets plus other real estate owned to assets | 14.4238% | 174 |
| Noncurrent loans to loans | 6.0774% | 1,021 |
| Net loans and leases to total assets | 70.3326% | 2,657 |
| Net loans and leases to deposits | 84.1279% | 2,683 |
| Net loans and leases to core deposits | 87.6481% | 3,422 |
| Total domestic deposits to total assets | 83.6020% | 4,318 |
| Equity capital to assets | 2.2371% | 7,720 |
| Core capital (leverage) ratio | 2.0170% | 7,718 |
| Tier 1 risk-based capital ratio | 2.7326% | 7,718 |
| Total risk-based capital ratio | 4.0066% | 7,720 |
| Memoranda: | ||
| Average total assets | $167,992,250 | 3,621 |
| Average earning assets | $146,376,250 | 3,741 |
| Average equity | $5,399,500 | 6,624 |
| Average total loans | $123,191,000 | 3,303 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3891% | 6,923 |
| Cost of funding earning assets | 1.2752% | 4,685 |
| Net interest margin | 3.1139% | 6,567 |
| Noninterest income to average assets | -1.7045% | 7,817 |
| Noninterest expense to average assets | 3.0188% | 3,639 |
| Loan and lease loss provision to assets | 1.1509% | 1,247 |
| Net operating income to assets | -3.2467% | 7,539 |
| Return on assets (ROA) | -3.2467% | 7,546 |
| Pretax return on assets | -3.1454% | 7,492 |
| Return on Equity (ROE) | -92.8571% | 7,728 |
| Retained earnings to average equity (ytd only) | -92.8571% | 7,727 |
| Net charge-offs to loans | 5.1684% | 192 |
| Credit loss provision to net charge-offs | 30.3030% | 5,729 |
| Earnings coverage of net charge-offs (x) | -0.5252% | 6,024 |
| Efficiency ratio | 294.7191% | 45 |
| Assets per employee ($millions) | 7.4060% | 647 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1638% | 724 |
| Loan loss allowance to noncurrent loans | 45.6532% | 5,259 |
| Noncurrent assets plus other real estate owned to assets | 12.6913% | 237 |
| Noncurrent loans to loans | 6.9300% | 826 |
| Net loans and leases to total assets | 69.8455% | 2,938 |
| Net loans and leases to deposits | 82.7672% | 3,124 |
| Net loans and leases to core deposits | 89.3095% | 3,372 |
| Total domestic deposits to total assets | 84.3879% | 3,920 |
| Equity capital to assets | 2.5452% | 7,773 |
| Core capital (leverage) ratio | 2.3369% | 7,764 |
| Tier 1 risk-based capital ratio | 3.1966% | 7,768 |
| Total risk-based capital ratio | 4.4692% | 7,770 |
| Memoranda: | ||
| Average total assets | $173,776,330 | 3,539 |
| Average earning assets | $152,286,670 | 3,663 |
| Average equity | $6,076,000 | 6,450 |
| Average total loans | $127,698,670 | 3,243 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4488% | 6,904 |
| Cost of funding earning assets | 1.3064% | 4,777 |
| Net interest margin | 3.1425% | 6,483 |
| Noninterest income to average assets | 0.1696% | 6,756 |
| Noninterest expense to average assets | 2.8460% | 4,296 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.0781% | 6,085 |
| Return on assets (ROA) | 0.0781% | 6,195 |
| Pretax return on assets | 0.0781% | 6,195 |
| Return on Equity (ROE) | 1.9885% | 5,765 |
| Retained earnings to average equity (ytd only) | 1.9885% | 4,940 |
| Net charge-offs to loans | -0.1416% | 7,597 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.3282% | 953 |
| Assets per employee ($millions) | 7.6870% | 590 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7952% | 202 |
| Loan loss allowance to noncurrent loans | 50.8595% | 4,935 |
| Noncurrent assets plus other real estate owned to assets | 14.8450% | 140 |
| Noncurrent loans to loans | 9.4284% | 476 |
| Net loans and leases to total assets | 71.2034% | 2,647 |
| Net loans and leases to deposits | 87.7155% | 2,278 |
| Net loans and leases to core deposits | 105.5911% | 1,610 |
| Total domestic deposits to total assets | 81.1754% | 5,393 |
| Equity capital to assets | 4.1617% | 7,785 |
| Core capital (leverage) ratio | 3.7565% | 7,794 |
| Tier 1 risk-based capital ratio | 5.1653% | 7,788 |
| Total risk-based capital ratio | 6.4576% | 7,787 |
| Memoranda: | ||
| Average total assets | $179,199,000 | 3,511 |
| Average earning assets | $157,074,500 | 3,626 |
| Average equity | $7,040,500 | 6,178 |
| Average total loans | $132,789,000 | 3,203 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4288% | 7,454 |
| Cost of funding earning assets | 1.8459% | 3,759 |
| Net interest margin | 2.5830% | 7,344 |
| Noninterest income to average assets | 0.3729% | 5,425 |
| Noninterest expense to average assets | 2.9716% | 4,257 |
| Loan and lease loss provision to assets | 3.8414% | 372 |
| Net operating income to assets | -4.0840% | 7,620 |
| Return on assets (ROA) | -4.0840% | 7,618 |
| Pretax return on assets | -4.0840% | 7,548 |
| Return on Equity (ROE) | -79.0110% | 7,857 |
| Retained earnings to average equity (ytd only) | -79.0110% | 7,854 |
| Net charge-offs to loans | 4.0034% | 414 |
| Credit loss provision to net charge-offs | 119.1831% | 4,506 |
| Earnings coverage of net charge-offs (x) | -0.0753% | 6,305 |
| Efficiency ratio | 108.8904% | 824 |
| Assets per employee ($millions) | 8.2297% | 463 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3264% | 289 |
| Loan loss allowance to noncurrent loans | 74.4157% | 3,692 |
| Noncurrent assets plus other real estate owned to assets | 11.6344% | 273 |
| Noncurrent loans to loans | 5.8139% | 1,087 |
| Net loans and leases to total assets | 70.3071% | 3,182 |
| Net loans and leases to deposits | 86.8470% | 2,768 |
| Net loans and leases to core deposits | 143.2215% | 699 |
| Total domestic deposits to total assets | 80.9551% | 5,355 |
| Equity capital to assets | 3.7209% | 7,879 |
| Core capital (leverage) ratio | 3.4035% | 7,885 |
| Tier 1 risk-based capital ratio | 4.7864% | 7,884 |
| Total risk-based capital ratio | 6.0743% | 7,887 |
| Memoranda: | ||
| Average total assets | $212,681,800 | 3,034 |
| Average earning assets | $194,001,000 | 3,052 |
| Average equity | $10,993,400 | 5,025 |
| Average total loans | $171,228,600 | 2,607 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4238% | 7,586 |
| Cost of funding earning assets | 1.9247% | 3,750 |
| Net interest margin | 2.4990% | 7,465 |
| Noninterest income to average assets | 0.4149% | 5,173 |
| Noninterest expense to average assets | 2.8267% | 4,777 |
| Loan and lease loss provision to assets | 4.2891% | 246 |
| Net operating income to assets | -4.4044% | 7,788 |
| Return on assets (ROA) | -4.4044% | 7,789 |
| Pretax return on assets | -4.4044% | 7,743 |
| Return on Equity (ROE) | -80.3363% | 7,965 |
| Retained earnings to average equity (ytd only) | -80.3363% | 7,963 |
| Net charge-offs to loans | 4.4203% | 296 |
| Credit loss provision to net charge-offs | 118.2904% | 4,292 |
| Earnings coverage of net charge-offs (x) | -0.0318% | 6,107 |
| Efficiency ratio | 104.2529% | 909 |
| Assets per employee ($millions) | 7.7470% | 567 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7427% | 350 |
| Loan loss allowance to noncurrent loans | 43.6948% | 5,402 |
| Noncurrent assets plus other real estate owned to assets | 10.8635% | 287 |
| Noncurrent loans to loans | 8.5654% | 539 |
| Net loans and leases to total assets | 76.8877% | 1,805 |
| Net loans and leases to deposits | 98.6218% | 1,252 |
| Net loans and leases to core deposits | 129.6260% | 1,456 |
| Total domestic deposits to total assets | 77.9622% | 6,102 |
| Equity capital to assets | 4.4239% | 7,982 |
| Core capital (leverage) ratio | 4.0490% | 7,982 |
| Tier 1 risk-based capital ratio | 5.5282% | 7,975 |
| Total risk-based capital ratio | 6.8108% | 7,981 |
| Memoranda: | ||
| Average total assets | $218,531,250 | 2,982 |
| Average earning assets | $200,818,500 | 2,973 |
| Average equity | $11,981,000 | 4,795 |
| Average total loans | $179,261,250 | 2,552 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3958% | 7,711 |
| Cost of funding earning assets | 2.0430% | 3,557 |
| Net interest margin | 2.3528% | 7,621 |
| Noninterest income to average assets | 0.4603% | 4,774 |
| Noninterest expense to average assets | 2.7441% | 5,203 |
| Loan and lease loss provision to assets | 5.2412% | 183 |
| Net operating income to assets | -5.3691% | 7,965 |
| Return on assets (ROA) | -5.3691% | 7,955 |
| Pretax return on assets | -5.3691% | 7,907 |
| Return on Equity (ROE) | -92.8295% | 8,066 |
| Retained earnings to average equity (ytd only) | -92.8295% | 8,065 |
| Net charge-offs to loans | 3.5007% | 447 |
| Credit loss provision to net charge-offs | 181.1643% | 2,529 |
| Earnings coverage of net charge-offs (x) | -0.0442% | 5,744 |
| Efficiency ratio | 104.8871% | 1,002 |
| Assets per employee ($millions) | 7.9102% | 511 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2166% | 217 |
| Loan loss allowance to noncurrent loans | 37.7666% | 5,884 |
| Noncurrent assets plus other real estate owned to assets | 11.3616% | 212 |
| Noncurrent loans to loans | 11.1648% | 266 |
| Net loans and leases to total assets | 81.3581% | 1,079 |
| Net loans and leases to deposits | 94.3011% | 2,049 |
| Net loans and leases to core deposits | 105.1016% | 3,947 |
| Total domestic deposits to total assets | 86.2748% | 2,641 |
| Equity capital to assets | 4.7290% | 8,056 |
| Core capital (leverage) ratio | 4.3052% | 8,073 |
| Tier 1 risk-based capital ratio | 5.6865% | 8,072 |
| Total risk-based capital ratio | 6.9765% | 8,076 |
| Memoranda: | ||
| Average total assets | $226,816,330 | 2,892 |
| Average earning assets | $207,836,000 | 2,898 |
| Average equity | $13,118,670 | 4,518 |
| Average total loans | $187,447,330 | 2,485 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2396% | 7,885 |
| Cost of funding earning assets | 2.1375% | 3,479 |
| Net interest margin | 2.1021% | 7,849 |
| Noninterest income to average assets | 0.5628% | 3,810 |
| Noninterest expense to average assets | 2.2764% | 6,611 |
| Loan and lease loss provision to assets | 3.5503% | 291 |
| Net operating income to assets | -3.3599% | 7,897 |
| Return on assets (ROA) | -3.3599% | 7,899 |
| Pretax return on assets | -3.3599% | 7,818 |
| Return on Equity (ROE) | -53.8373% | 8,063 |
| Retained earnings to average equity (ytd only) | -53.8373% | 8,045 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.2814% | 1,547 |
| Assets per employee ($millions) | 8.5342% | 416 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6025% | 299 |
| Loan loss allowance to noncurrent loans | 34.5405% | 6,242 |
| Noncurrent assets plus other real estate owned to assets | 8.8856% | 286 |
| Noncurrent loans to loans | 10.4299% | 262 |
| Net loans and leases to total assets | 82.1243% | 997 |
| Net loans and leases to deposits | 98.6274% | 1,581 |
| Net loans and leases to core deposits | 111.9429% | 3,223 |
| Total domestic deposits to total assets | 83.2672% | 4,009 |
| Equity capital to assets | 6.2189% | 7,952 |
| Core capital (leverage) ratio | 5.5867% | 8,072 |
| Tier 1 risk-based capital ratio | 7.5177% | 8,063 |
| Total risk-based capital ratio | 8.7989% | 8,068 |
| Memoranda: | ||
| Average total assets | $237,391,500 | 2,795 |
| Average earning assets | $215,021,000 | 2,823 |
| Average equity | $14,815,000 | 4,171 |
| Average total loans | $193,825,000 | 2,432 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1157% | 4,955 |
| Cost of funding earning assets | 2.6166% | 3,597 |
| Net interest margin | 3.4992% | 5,298 |
| Noninterest income to average assets | 0.2734% | 6,500 |
| Noninterest expense to average assets | 2.2263% | 6,905 |
| Loan and lease loss provision to assets | 3.4368% | 240 |
| Net operating income to assets | -2.0640% | 7,613 |
| Return on assets (ROA) | -2.0584% | 7,575 |
| Pretax return on assets | -2.1229% | 7,476 |
| Return on Equity (ROE) | -24.6830% | 7,856 |
| Retained earnings to average equity (ytd only) | -29.3588% | 7,897 |
| Net charge-offs to loans | 2.3733% | 432 |
| Credit loss provision to net charge-offs | 170.5295% | 3,000 |
| Earnings coverage of net charge-offs (x) | 0.6491% | 5,834 |
| Efficiency ratio | 62.9892% | 5,776 |
| Assets per employee ($millions) | 9.0320% | 343 |
| Cash dividends to net income (ytd only)* | -18.9432% | 7,936 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3674% | 784 |
| Loan loss allowance to noncurrent loans | 47.6635% | 5,632 |
| Noncurrent assets plus other real estate owned to assets | 3.9008% | 1,072 |
| Noncurrent loans to loans | 4.9669% | 892 |
| Net loans and leases to total assets | 76.6777% | 2,453 |
| Net loans and leases to deposits | 100.0604% | 1,830 |
| Net loans and leases to core deposits | 115.1303% | 3,228 |
| Total domestic deposits to total assets | 76.6314% | 6,085 |
| Equity capital to assets | 6.2599% | 8,005 |
| Core capital (leverage) ratio | 6.3797% | 7,972 |
| Tier 1 risk-based capital ratio | 8.1256% | 8,061 |
| Total risk-based capital ratio | 9.3907% | 8,099 |
| Memoranda: | ||
| Average total assets | $243,631,000 | 2,619 |
| Average earning assets | $227,053,400 | 2,579 |
| Average equity | $20,317,600 | 3,176 |
| Average total loans | $206,885,800 | 2,230 |