Home > LibertyBank > Performance and Condition Ratios
LibertyBank, Performance and Condition Ratios
| 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 | 6.4699% | 355 |
| Cost of funding earning assets | 1.6079% | 2,608 |
| Net interest margin | 4.8619% | 587 |
| Noninterest income to average assets | -0.7212% | 7,775 |
| Noninterest expense to average assets | 3.7073% | 1,547 |
| Loan and lease loss provision to assets | 5.4936% | 87 |
| Net operating income to assets | -8.2241% | 7,787 |
| Return on assets (ROA) | -8.2241% | 7,789 |
| Pretax return on assets | -5.6387% | 7,710 |
| Return on Equity (ROE) | -183.3114% | 7,796 |
| Retained earnings to average equity (ytd only) | -183.3114% | 7,796 |
| Net charge-offs to loans | 6.0990% | 129 |
| Credit loss provision to net charge-offs | 113.4836% | 3,588 |
| Earnings coverage of net charge-offs (x) | -0.0300% | 5,749 |
| Efficiency ratio | 104.0710% | 679 |
| Assets per employee ($millions) | 3.4027% | 5,178 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2105% | 693 |
| Loan loss allowance to noncurrent loans | 41.5550% | 5,561 |
| Noncurrent assets plus other real estate owned to assets | 9.1820% | 477 |
| Noncurrent loans to loans | 7.7260% | 686 |
| Net loans and leases to total assets | 77.9537% | 1,124 |
| Net loans and leases to deposits | 80.4188% | 3,530 |
| Net loans and leases to core deposits | 82.5262% | 4,344 |
| Total domestic deposits to total assets | 96.9347% | 13 |
| Equity capital to assets | 2.2093% | 7,782 |
| Core capital (leverage) ratio | 1.9901% | 7,779 |
| Tier 1 risk-based capital ratio | 2.6173% | 7,785 |
| Total risk-based capital ratio | 3.8896% | 7,785 |
| Memoranda: | ||
| Average total assets | $768,161,330 | 885 |
| Average earning assets | $676,768,330 | 910 |
| Average equity | $34,462,670 | 1,939 |
| Average total loans | $609,710,000 | 735 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4570% | 393 |
| Cost of funding earning assets | 1.6233% | 2,811 |
| Net interest margin | 4.8337% | 595 |
| Noninterest income to average assets | -0.7356% | 7,881 |
| Noninterest expense to average assets | 3.6757% | 1,557 |
| Loan and lease loss provision to assets | 5.3110% | 138 |
| Net operating income to assets | -3.3577% | 7,667 |
| Return on assets (ROA) | -3.3577% | 7,666 |
| Pretax return on assets | -5.5047% | 7,787 |
| Return on Equity (ROE) | -60.9399% | 7,745 |
| Retained earnings to average equity (ytd only) | -60.9399% | 7,737 |
| Net charge-offs to loans | 2.4652% | 668 |
| Credit loss provision to net charge-offs | 273.2332% | 1,449 |
| Earnings coverage of net charge-offs (x) | -0.0997% | 5,100 |
| Efficiency ratio | 105.5636% | 688 |
| Assets per employee ($millions) | 3.6067% | 4,802 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7017% | 467 |
| Loan loss allowance to noncurrent loans | 51.0428% | 4,922 |
| Noncurrent assets plus other real estate owned to assets | 9.5086% | 433 |
| Noncurrent loans to loans | 7.2521% | 803 |
| Net loans and leases to total assets | 76.7419% | 1,383 |
| Net loans and leases to deposits | 82.0479% | 3,275 |
| Net loans and leases to core deposits | 85.8568% | 3,921 |
| Total domestic deposits to total assets | 93.5330% | 88 |
| Equity capital to assets | 5.2731% | 7,695 |
| Core capital (leverage) ratio | 3.2877% | 7,828 |
| Tier 1 risk-based capital ratio | 4.1783% | 7,837 |
| Total risk-based capital ratio | 5.4587% | 7,838 |
| Memoranda: | ||
| Average total assets | $794,955,000 | 875 |
| Average earning assets | $693,630,000 | 906 |
| Average equity | $43,800,500 | 1,531 |
| Average total loans | $626,808,000 | 733 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0288% | 270 |
| Cost of funding earning assets | 2.2664% | 1,783 |
| Net interest margin | 4.7625% | 751 |
| Noninterest income to average assets | -0.5174% | 7,949 |
| Noninterest expense to average assets | 3.4088% | 2,645 |
| Loan and lease loss provision to assets | 6.8310% | 69 |
| Net operating income to assets | -3.9554% | 7,600 |
| Return on assets (ROA) | -3.9316% | 7,594 |
| Pretax return on assets | -6.4763% | 7,836 |
| Return on Equity (ROE) | -56.4243% | 7,735 |
| Retained earnings to average equity (ytd only) | -56.4243% | 7,730 |
| Net charge-offs to loans | 8.6096% | 65 |
| Credit loss provision to net charge-offs | 93.8656% | 5,859 |
| Earnings coverage of net charge-offs (x) | 0.0436% | 6,136 |
| Efficiency ratio | 91.4774% | 1,604 |
| Assets per employee ($millions) | 3.6847% | 4,550 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4898% | 1,243 |
| Loan loss allowance to noncurrent loans | 58.8951% | 4,460 |
| Noncurrent assets plus other real estate owned to assets | 7.3023% | 680 |
| Noncurrent loans to loans | 4.2276% | 1,718 |
| Net loans and leases to total assets | 76.1160% | 1,765 |
| Net loans and leases to deposits | 82.5866% | 3,526 |
| Net loans and leases to core deposits | 106.8413% | 3,235 |
| Total domestic deposits to total assets | 92.1650% | 234 |
| Equity capital to assets | 5.7311% | 7,703 |
| Core capital (leverage) ratio | 4.3473% | 7,821 |
| Tier 1 risk-based capital ratio | 5.4874% | 7,843 |
| Total risk-based capital ratio | 6.7518% | 7,849 |
| Memoranda: | ||
| Average total assets | $873,146,400 | 775 |
| Average earning assets | $778,065,800 | 792 |
| Average equity | $60,840,800 | 1,092 |
| Average total loans | $738,046,600 | 623 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0969% | 263 |
| Cost of funding earning assets | 2.3922% | 1,662 |
| Net interest margin | 4.7047% | 821 |
| Noninterest income to average assets | -0.1723% | 7,966 |
| Noninterest expense to average assets | 3.3334% | 2,793 |
| Loan and lease loss provision to assets | 8.2405% | 38 |
| Net operating income to assets | -4.5696% | 7,800 |
| Return on assets (ROA) | -4.5384% | 7,802 |
| Pretax return on assets | -7.4808% | 7,982 |
| Return on Equity (ROE) | -62.5579% | 7,904 |
| Retained earnings to average equity (ytd only) | -62.5579% | 7,902 |
| Net charge-offs to loans | 8.9524% | 63 |
| Credit loss provision to net charge-offs | 106.9991% | 4,752 |
| Earnings coverage of net charge-offs (x) | 0.0923% | 5,953 |
| Efficiency ratio | 82.4223% | 2,519 |
| Assets per employee ($millions) | 3.8384% | 4,106 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4317% | 447 |
| Loan loss allowance to noncurrent loans | 68.5252% | 3,879 |
| Noncurrent assets plus other real estate owned to assets | 8.5408% | 477 |
| Noncurrent loans to loans | 5.0079% | 1,319 |
| Net loans and leases to total assets | 77.0941% | 1,770 |
| Net loans and leases to deposits | 83.5342% | 3,722 |
| Net loans and leases to core deposits | 106.0275% | 3,699 |
| Total domestic deposits to total assets | 92.2905% | 143 |
| Equity capital to assets | 5.9922% | 7,863 |
| Core capital (leverage) ratio | 4.1037% | 7,979 |
| Tier 1 risk-based capital ratio | 4.9937% | 7,993 |
| Total risk-based capital ratio | 6.2696% | 7,999 |
| Memoranda: | ||
| Average total assets | $886,011,000 | 769 |
| Average earning assets | $794,074,500 | 780 |
| Average equity | $64,278,000 | 1,045 |
| Average total loans | $762,206,750 | 616 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1720% | 245 |
| Cost of funding earning assets | 2.4326% | 1,838 |
| Net interest margin | 4.7393% | 746 |
| Noninterest income to average assets | -0.1828% | 8,062 |
| Noninterest expense to average assets | 3.3218% | 2,876 |
| Loan and lease loss provision to assets | 7.3368% | 86 |
| Net operating income to assets | -3.9609% | 7,825 |
| Return on assets (ROA) | -3.9146% | 7,812 |
| Pretax return on assets | -6.4779% | 7,979 |
| Return on Equity (ROE) | -51.1260% | 7,921 |
| Retained earnings to average equity (ytd only) | -51.1260% | 7,918 |
| Net charge-offs to loans | 9.1742% | 72 |
| Credit loss provision to net charge-offs | 90.8789% | 4,894 |
| Earnings coverage of net charge-offs (x) | 0.0974% | 5,581 |
| Efficiency ratio | 80.8541% | 2,911 |
| Assets per employee ($millions) | 3.9171% | 3,846 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2290% | 1,192 |
| Loan loss allowance to noncurrent loans | 30.9192% | 6,407 |
| Noncurrent assets plus other real estate owned to assets | 9.1329% | 368 |
| Noncurrent loans to loans | 7.2092% | 664 |
| Net loans and leases to total assets | 83.2000% | 756 |
| Net loans and leases to deposits | 92.8261% | 2,313 |
| Net loans and leases to core deposits | 116.5467% | 2,658 |
| Total domestic deposits to total assets | 89.6299% | 991 |
| Equity capital to assets | 6.7103% | 7,747 |
| Core capital (leverage) ratio | 6.0002% | 7,923 |
| Tier 1 risk-based capital ratio | 6.9559% | 8,014 |
| Total risk-based capital ratio | 8.8724% | 7,958 |
| Memoranda: | ||
| Average total assets | $896,028,330 | 784 |
| Average earning assets | $811,297,000 | 786 |
| Average equity | $68,607,000 | 977 |
| Average total loans | $788,494,330 | 617 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2841% | 230 |
| Cost of funding earning assets | 2.4725% | 2,018 |
| Net interest margin | 4.8116% | 594 |
| Noninterest income to average assets | 0.0326% | 7,916 |
| Noninterest expense to average assets | 3.0998% | 3,379 |
| Loan and lease loss provision to assets | 5.3059% | 149 |
| Net operating income to assets | -2.4297% | 7,755 |
| Return on assets (ROA) | -2.4297% | 7,754 |
| Pretax return on assets | -3.9828% | 7,899 |
| Return on Equity (ROE) | -29.9499% | 7,903 |
| Retained earnings to average equity (ytd only) | -29.9499% | 7,854 |
| Net charge-offs to loans | 6.1271% | 153 |
| Credit loss provision to net charge-offs | 96.8690% | 3,863 |
| Earnings coverage of net charge-offs (x) | 0.2415% | 4,788 |
| Efficiency ratio | 70.0857% | 4,559 |
| Assets per employee ($millions) | 4.0809% | 3,489 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4186% | 830 |
| Loan loss allowance to noncurrent loans | 32.2703% | 6,392 |
| Noncurrent assets plus other real estate owned to assets | 8.7656% | 298 |
| Noncurrent loans to loans | 7.4948% | 502 |
| Net loans and leases to total assets | 87.1411% | 330 |
| Net loans and leases to deposits | 101.4511% | 1,240 |
| Net loans and leases to core deposits | 125.7883% | 1,928 |
| Total domestic deposits to total assets | 85.8947% | 2,776 |
| Equity capital to assets | 7.8592% | 6,994 |
| Core capital (leverage) ratio | 7.7634% | 6,798 |
| Tier 1 risk-based capital ratio | 8.5135% | 7,944 |
| Total risk-based capital ratio | 10.3831% | 7,722 |
| Memoranda: | ||
| Average total assets | $907,290,500 | 776 |
| Average earning assets | $827,827,500 | 766 |
| Average equity | $73,603,000 | 911 |
| Average total loans | $811,079,500 | 608 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.9166% | 216 |
| Cost of funding earning assets | 3.0398% | 1,716 |
| Net interest margin | 4.8768% | 659 |
| Noninterest income to average assets | 0.3663% | 5,773 |
| Noninterest expense to average assets | 3.0503% | 3,896 |
| Loan and lease loss provision to assets | 2.9744% | 308 |
| Net operating income to assets | -0.6724% | 7,050 |
| Return on assets (ROA) | -0.6724% | 6,949 |
| Pretax return on assets | -1.1124% | 7,066 |
| Return on Equity (ROE) | -8.0260% | 7,128 |
| Retained earnings to average equity (ytd only) | -8.1762% | 6,900 |
| Net charge-offs to loans | 2.3778% | 427 |
| Credit loss provision to net charge-offs | 137.2459% | 3,880 |
| Earnings coverage of net charge-offs (x) | 0.8591% | 5,710 |
| Efficiency ratio | 62.0961% | 5,936 |
| Assets per employee ($millions) | 3.6952% | 4,187 |
| Cash dividends to net income (ytd only)* | -1.8718% | 7,706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4325% | 737 |
| Loan loss allowance to noncurrent loans | 31.4756% | 6,627 |
| Noncurrent assets plus other real estate owned to assets | 8.9000% | 230 |
| Noncurrent loans to loans | 7.7282% | 361 |
| Net loans and leases to total assets | 87.3127% | 435 |
| Net loans and leases to deposits | 104.3739% | 1,305 |
| Net loans and leases to core deposits | 130.6377% | 1,808 |
| Total domestic deposits to total assets | 83.6538% | 3,501 |
| Equity capital to assets | 8.3626% | 6,320 |
| Core capital (leverage) ratio | 8.2620% | 6,029 |
| Tier 1 risk-based capital ratio | 9.1102% | 7,706 |
| Total risk-based capital ratio | 10.9754% | 6,958 |
| Memoranda: | ||
| Average total assets | $937,578,400 | 711 |
| Average earning assets | $873,968,600 | 691 |
| Average equity | $78,544,600 | 848 |
| Average total loans | $854,533,600 | 569 |