Home > Liberty Bank > Performance and Condition Ratios
Liberty Bank, Performance and Condition Ratios
| 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 | 5.7278% | 2,973 |
| Cost of funding earning assets | 3.2087% | 124 |
| Net interest margin | 2.5191% | 7,411 |
| Noninterest income to average assets | -0.3940% | 7,922 |
| Noninterest expense to average assets | 6.5505% | 244 |
| Loan and lease loss provision to assets | 8.0726% | 43 |
| Net operating income to assets | -12.7395% | 7,991 |
| Return on assets (ROA) | -12.7395% | 7,991 |
| Pretax return on assets | -12.7395% | 7,989 |
| Return on Equity (ROE) | -202.7222% | 7,998 |
| Retained earnings to average equity (ytd only) | -202.7222% | 7,998 |
| Net charge-offs to loans | 8.6684% | 61 |
| Credit loss provision to net charge-offs | 104.1261% | 5,310 |
| Earnings coverage of net charge-offs (x) | -0.6020% | 6,753 |
| Efficiency ratio | 244.6446% | 91 |
| Assets per employee ($millions) | 8.2588% | 453 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2853% | 1,504 |
| Loan loss allowance to noncurrent loans | 20.5967% | 7,036 |
| Noncurrent assets plus other real estate owned to assets | 14.0692% | 170 |
| Noncurrent loans to loans | 11.0956% | 340 |
| Net loans and leases to total assets | 84.1872% | 407 |
| Net loans and leases to deposits | 85.1049% | 3,063 |
| Net loans and leases to core deposits | 137.0992% | 909 |
| Total domestic deposits to total assets | 98.9217% | 9 |
| Equity capital to assets | -0.2227% | 7,999 |
| Core capital (leverage) ratio | -0.2368% | 8,002 |
| Tier 1 risk-based capital ratio | -0.2698% | 8,002 |
| Total risk-based capital ratio | -0.2698% | 8,002 |
| Memoranda: | ||
| Average total assets | $159,118,800 | 3,787 |
| Average earning assets | $143,860,400 | 3,818 |
| Average equity | $9,999,400 | 5,294 |
| Average total loans | $142,310,400 | 3,045 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8286% | 2,761 |
| Cost of funding earning assets | 3.3889% | 103 |
| Net interest margin | 2.4397% | 7,526 |
| Noninterest income to average assets | -0.4649% | 8,040 |
| Noninterest expense to average assets | 6.8308% | 207 |
| Loan and lease loss provision to assets | 7.8687% | 47 |
| Net operating income to assets | -12.9609% | 8,066 |
| Return on assets (ROA) | -12.9609% | 8,066 |
| Pretax return on assets | -12.9609% | 8,066 |
| Return on Equity (ROE) | -166.6042% | 8,063 |
| Retained earnings to average equity (ytd only) | -166.6042% | 8,063 |
| Net charge-offs to loans | 8.4357% | 73 |
| Credit loss provision to net charge-offs | 103.4240% | 4,922 |
| Earnings coverage of net charge-offs (x) | -0.6693% | 6,553 |
| Efficiency ratio | 246.3253% | 87 |
| Assets per employee ($millions) | 5.9278% | 1,262 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0712% | 1,646 |
| Loan loss allowance to noncurrent loans | 17.0576% | 7,235 |
| Noncurrent assets plus other real estate owned to assets | 15.3197% | 114 |
| Noncurrent loans to loans | 12.1426% | 263 |
| Net loans and leases to total assets | 83.8712% | 558 |
| Net loans and leases to deposits | 88.6761% | 2,841 |
| Net loans and leases to core deposits | 144.8856% | 734 |
| Total domestic deposits to total assets | 94.5816% | 39 |
| Equity capital to assets | 2.7498% | 8,039 |
| Core capital (leverage) ratio | 2.7252% | 8,034 |
| Tier 1 risk-based capital ratio | 3.0962% | 8,045 |
| Total risk-based capital ratio | 4.3556% | 8,048 |
| Memoranda: | ||
| Average total assets | $161,734,000 | 3,766 |
| Average earning assets | $146,079,750 | 3,795 |
| Average equity | $12,582,000 | 4,638 |
| Average total loans | $145,868,500 | 3,020 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8030% | 3,030 |
| Cost of funding earning assets | 3.4770% | 121 |
| Net interest margin | 2.3261% | 7,655 |
| Noninterest income to average assets | -0.6976% | 8,145 |
| Noninterest expense to average assets | 7.1528% | 209 |
| Loan and lease loss provision to assets | 4.9857% | 207 |
| Net operating income to assets | -10.7347% | 8,137 |
| Return on assets (ROA) | -10.7347% | 8,131 |
| Pretax return on assets | -10.7347% | 8,117 |
| Return on Equity (ROE) | -114.7798% | 8,095 |
| Retained earnings to average equity (ytd only) | -114.7798% | 8,094 |
| Net charge-offs to loans | 3.3171% | 482 |
| Credit loss provision to net charge-offs | 164.0625% | 2,792 |
| Earnings coverage of net charge-offs (x) | -1.8918% | 6,342 |
| Efficiency ratio | 241.4571% | 126 |
| Assets per employee ($millions) | 6.1900% | 1,100 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7601% | 705 |
| Loan loss allowance to noncurrent loans | 23.0104% | 6,965 |
| Noncurrent assets plus other real estate owned to assets | 13.9138% | 125 |
| Noncurrent loans to loans | 11.9948% | 225 |
| Net loans and leases to total assets | 87.9788% | 235 |
| Net loans and leases to deposits | 95.2084% | 1,921 |
| Net loans and leases to core deposits | 157.3302% | 490 |
| Total domestic deposits to total assets | 92.4065% | 156 |
| Equity capital to assets | 6.8994% | 7,660 |
| Core capital (leverage) ratio | 6.8994% | 7,603 |
| Tier 1 risk-based capital ratio | 7.7878% | 7,934 |
| Total risk-based capital ratio | 9.0565% | 7,948 |
| Memoranda: | ||
| Average total assets | $164,271,330 | 3,729 |
| Average earning assets | $148,405,330 | 3,777 |
| Average equity | $15,363,330 | 4,045 |
| Average total loans | $150,492,000 | 2,977 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8925% | 2,833 |
| Cost of funding earning assets | 3.6762% | 96 |
| Net interest margin | 2.2163% | 7,784 |
| Noninterest income to average assets | 0.2435% | 6,511 |
| Noninterest expense to average assets | 3.4399% | 2,257 |
| Loan and lease loss provision to assets | 1.1571% | 1,127 |
| Net operating income to assets | -2.3262% | 7,729 |
| Return on assets (ROA) | -2.3262% | 7,730 |
| Pretax return on assets | -2.3262% | 7,621 |
| Return on Equity (ROE) | -22.0660% | 7,797 |
| Retained earnings to average equity (ytd only) | -22.0660% | 7,700 |
| Net charge-offs to loans | 0.6748% | 1,832 |
| Credit loss provision to net charge-offs | 186.0465% | 2,354 |
| Earnings coverage of net charge-offs (x) | -1.8798% | 5,464 |
| Efficiency ratio | 146.9214% | 370 |
| Assets per employee ($millions) | 6.1316% | 1,126 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7064% | 2,125 |
| Loan loss allowance to noncurrent loans | 14.1751% | 7,428 |
| Noncurrent assets plus other real estate owned to assets | 12.7434% | 129 |
| Noncurrent loans to loans | 12.0381% | 175 |
| Net loans and leases to total assets | 91.0566% | 96 |
| Net loans and leases to deposits | 103.1137% | 1,078 |
| Net loans and leases to core deposits | 167.5644% | 385 |
| Total domestic deposits to total assets | 88.3070% | 1,572 |
| Equity capital to assets | 10.3327% | 3,622 |
| Core capital (leverage) ratio | 8.6509% | 5,254 |
| Tier 1 risk-based capital ratio | 9.5216% | 7,409 |
| Total risk-based capital ratio | 10.7780% | 7,347 |
| Memoranda: | ||
| Average total assets | $165,936,500 | 3,728 |
| Average earning assets | $151,785,500 | 3,712 |
| Average equity | $17,493,000 | 3,637 |
| Average total loans | $152,931,500 | 2,954 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6592% | 2,206 |
| Cost of funding earning assets | 3.8653% | 158 |
| Net interest margin | 2.7940% | 7,338 |
| Noninterest income to average assets | 0.4345% | 5,177 |
| Noninterest expense to average assets | 3.4195% | 2,612 |
| Loan and lease loss provision to assets | 3.4262% | 241 |
| Net operating income to assets | -3.8461% | 7,962 |
| Return on assets (ROA) | -3.8461% | 7,942 |
| Pretax return on assets | -3.8461% | 7,863 |
| Return on Equity (ROE) | -35.3097% | 8,026 |
| Retained earnings to average equity (ytd only) | -35.3097% | 7,993 |
| Net charge-offs to loans | 3.2380% | 261 |
| Credit loss provision to net charge-offs | 116.1652% | 4,642 |
| Earnings coverage of net charge-offs (x) | -0.1424% | 6,347 |
| Efficiency ratio | 110.4673% | 700 |
| Assets per employee ($millions) | 5.5440% | 1,423 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5698% | 2,363 |
| Loan loss allowance to noncurrent loans | 14.0419% | 7,422 |
| Noncurrent assets plus other real estate owned to assets | 11.1261% | 122 |
| Noncurrent loans to loans | 11.1797% | 161 |
| Net loans and leases to total assets | 90.2508% | 180 |
| Net loans and leases to deposits | 103.2586% | 1,428 |
| Net loans and leases to core deposits | 176.4002% | 326 |
| Total domestic deposits to total assets | 87.4027% | 1,752 |
| Equity capital to assets | 10.7503% | 3,249 |
| Core capital (leverage) ratio | 9.0552% | 4,663 |
| Tier 1 risk-based capital ratio | 10.0106% | 6,725 |
| Total risk-based capital ratio | 11.2643% | 6,598 |
| Memoranda: | ||
| Average total assets | $163,388,200 | 3,659 |
| Average earning assets | $150,002,600 | 3,658 |
| Average equity | $17,796,800 | 3,591 |
| Average total loans | $148,828,200 | 2,950 |