Home > LibertyPointe Bank > Performance and Condition Ratios
LibertyPointe 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 | 5.2101% | 5,608 |
| Cost of funding earning assets | 2.8106% | 433 |
| Net interest margin | 2.3995% | 7,511 |
| Noninterest income to average assets | 0.1812% | 6,791 |
| Noninterest expense to average assets | 4.2579% | 1,032 |
| Loan and lease loss provision to assets | 2.8292% | 645 |
| Net operating income to assets | -4.6874% | 7,699 |
| Return on assets (ROA) | -4.6787% | 7,699 |
| Pretax return on assets | -4.6265% | 7,658 |
| Return on Equity (ROE) | -101.1794% | 7,930 |
| Retained earnings to average equity (ytd only) | -101.1794% | 7,930 |
| Net charge-offs to loans | 2.8436% | 770 |
| Credit loss provision to net charge-offs | 118.8037% | 4,524 |
| Earnings coverage of net charge-offs (x) | -0.7584% | 6,832 |
| Efficiency ratio | 173.6543% | 207 |
| Assets per employee ($millions) | 5.8514% | 1,359 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7407% | 427 |
| Loan loss allowance to noncurrent loans | 16.4821% | 7,200 |
| Noncurrent assets plus other real estate owned to assets | 20.3303% | 54 |
| Noncurrent loans to loans | 22.6958% | 49 |
| Net loans and leases to total assets | 81.3700% | 785 |
| Net loans and leases to deposits | 84.0980% | 3,241 |
| Net loans and leases to core deposits | 132.2180% | 1,157 |
| Total domestic deposits to total assets | 96.7561% | 24 |
| Equity capital to assets | 2.2014% | 7,954 |
| Core capital (leverage) ratio | 2.1617% | 7,948 |
| Tier 1 risk-based capital ratio | 2.9890% | 7,946 |
| Total risk-based capital ratio | 4.2776% | 7,946 |
| Memoranda: | ||
| Average total assets | $229,571,000 | 2,829 |
| Average earning assets | $217,250,200 | 2,739 |
| Average equity | $10,615,800 | 5,125 |
| Average total loans | $192,254,400 | 2,375 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4555% | 4,657 |
| Cost of funding earning assets | 2.9194% | 423 |
| Net interest margin | 2.5361% | 7,420 |
| Noninterest income to average assets | 0.1306% | 7,228 |
| Noninterest expense to average assets | 4.4522% | 785 |
| Loan and lease loss provision to assets | 3.5841% | 359 |
| Net operating income to assets | -5.5585% | 7,893 |
| Return on assets (ROA) | -5.5470% | 7,889 |
| Pretax return on assets | -5.4955% | 7,863 |
| Return on Equity (ROE) | -106.9334% | 8,023 |
| Retained earnings to average equity (ytd only) | -106.9334% | 8,020 |
| Net charge-offs to loans | 1.0800% | 1,844 |
| Credit loss provision to net charge-offs | 397.1447% | 1,002 |
| Earnings coverage of net charge-offs (x) | -2.1307% | 6,755 |
| Efficiency ratio | 176.0245% | 212 |
| Assets per employee ($millions) | 5.8809% | 1,297 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.5935% | 101 |
| Loan loss allowance to noncurrent loans | 25.7422% | 6,740 |
| Noncurrent assets plus other real estate owned to assets | 20.6923% | 42 |
| Noncurrent loans to loans | 21.7289% | 52 |
| Net loans and leases to total assets | 83.7071% | 577 |
| Net loans and leases to deposits | 87.1810% | 3,112 |
| Net loans and leases to core deposits | 126.0728% | 1,725 |
| Total domestic deposits to total assets | 96.0153% | 24 |
| Equity capital to assets | 2.7500% | 8,038 |
| Core capital (leverage) ratio | 2.6871% | 8,035 |
| Tier 1 risk-based capital ratio | 3.6363% | 8,034 |
| Total risk-based capital ratio | 4.9516% | 8,038 |
| Memoranda: | ||
| Average total assets | $232,838,750 | 2,807 |
| Average earning assets | $220,226,000 | 2,717 |
| Average equity | $12,078,250 | 4,772 |
| Average total loans | $194,565,000 | 2,378 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8493% | 2,808 |
| Cost of funding earning assets | 2.9793% | 502 |
| Net interest margin | 2.8700% | 6,866 |
| Noninterest income to average assets | 0.1759% | 7,038 |
| Noninterest expense to average assets | 3.9520% | 1,395 |
| Loan and lease loss provision to assets | 2.0302% | 800 |
| Net operating income to assets | -3.1399% | 7,700 |
| Return on assets (ROA) | -3.1232% | 7,698 |
| Pretax return on assets | -3.0732% | 7,588 |
| Return on Equity (ROE) | -52.8959% | 7,933 |
| Retained earnings to average equity (ytd only) | -52.8959% | 7,929 |
| Net charge-offs to loans | 1.1532% | 1,580 |
| Credit loss provision to net charge-offs | 214.5374% | 2,144 |
| Earnings coverage of net charge-offs (x) | -1.1198% | 6,254 |
| Efficiency ratio | 136.6388% | 465 |
| Assets per employee ($millions) | 6.3498% | 1,030 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7527% | 311 |
| Loan loss allowance to noncurrent loans | 25.5850% | 6,805 |
| Noncurrent assets plus other real estate owned to assets | 14.5511% | 109 |
| Noncurrent loans to loans | 14.6676% | 141 |
| Net loans and leases to total assets | 82.1435% | 933 |
| Net loans and leases to deposits | 88.3614% | 3,117 |
| Net loans and leases to core deposits | 119.3141% | 2,427 |
| Total domestic deposits to total assets | 92.9631% | 102 |
| Equity capital to assets | 5.2933% | 8,020 |
| Core capital (leverage) ratio | 5.0413% | 8,022 |
| Tier 1 risk-based capital ratio | 7.0368% | 8,005 |
| Total risk-based capital ratio | 8.3240% | 8,009 |
| Memoranda: | ||
| Average total assets | $239,881,000 | 2,752 |
| Average earning assets | $227,035,670 | 2,665 |
| Average equity | $14,163,670 | 4,267 |
| Average total loans | $196,847,330 | 2,381 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0837% | 2,001 |
| Cost of funding earning assets | 3.0241% | 576 |
| Net interest margin | 3.0596% | 6,304 |
| Noninterest income to average assets | 0.2654% | 6,323 |
| Noninterest expense to average assets | 3.6816% | 1,687 |
| Loan and lease loss provision to assets | 0.9650% | 1,343 |
| Net operating income to assets | -1.5183% | 7,503 |
| Return on assets (ROA) | -1.3607% | 7,459 |
| Pretax return on assets | -1.3124% | 7,304 |
| Return on Equity (ROE) | -22.0262% | 7,796 |
| Retained earnings to average equity (ytd only) | -22.0262% | 7,699 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 115.8987% | 692 |
| Assets per employee ($millions) | 6.0948% | 1,145 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1752% | 415 |
| Loan loss allowance to noncurrent loans | 44.8968% | 5,526 |
| Noncurrent assets plus other real estate owned to assets | 6.6487% | 540 |
| Noncurrent loans to loans | 7.0723% | 564 |
| Net loans and leases to total assets | 80.2774% | 1,329 |
| Net loans and leases to deposits | 86.3010% | 3,578 |
| Net loans and leases to core deposits | 112.0373% | 3,217 |
| Total domestic deposits to total assets | 93.0203% | 83 |
| Equity capital to assets | 6.1750% | 7,964 |
| Core capital (leverage) ratio | 5.7984% | 8,037 |
| Tier 1 risk-based capital ratio | 7.9465% | 8,018 |
| Total risk-based capital ratio | 9.2244% | 8,038 |
| Memoranda: | ||
| Average total assets | $248,699,500 | 2,662 |
| Average earning assets | $236,631,000 | 2,561 |
| Average equity | $15,363,500 | 4,072 |
| Average total loans | $200,432,500 | 2,364 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5731% | 2,610 |
| Cost of funding earning assets | 3.7470% | 232 |
| Net interest margin | 2.8262% | 7,286 |
| Noninterest income to average assets | 0.1268% | 7,479 |
| Noninterest expense to average assets | 3.6629% | 2,021 |
| Loan and lease loss provision to assets | 2.7170% | 364 |
| Net operating income to assets | -3.6037% | 7,928 |
| Return on assets (ROA) | -4.6018% | 8,043 |
| Pretax return on assets | -4.5540% | 7,970 |
| Return on Equity (ROE) | -57.2049% | 8,190 |
| Retained earnings to average equity (ytd only) | -57.2049% | 8,175 |
| Net charge-offs to loans | 1.5771% | 727 |
| Credit loss provision to net charge-offs | 227.4562% | 2,084 |
| Earnings coverage of net charge-offs (x) | -0.7023% | 6,543 |
| Efficiency ratio | 129.7048% | 468 |
| Assets per employee ($millions) | 6.3402% | 969 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9275% | 467 |
| Loan loss allowance to noncurrent loans | 41.1865% | 5,976 |
| Noncurrent assets plus other real estate owned to assets | 5.9486% | 508 |
| Noncurrent loans to loans | 7.1079% | 424 |
| Net loans and leases to total assets | 76.0702% | 2,602 |
| Net loans and leases to deposits | 81.9019% | 4,747 |
| Net loans and leases to core deposits | 109.3874% | 3,818 |
| Total domestic deposits to total assets | 92.8796% | 62 |
| Equity capital to assets | 6.1800% | 8,025 |
| Core capital (leverage) ratio | 5.9626% | 8,089 |
| Tier 1 risk-based capital ratio | 8.1516% | 8,058 |
| Total risk-based capital ratio | 9.4240% | 8,096 |
| Memoranda: | ||
| Average total assets | $253,075,200 | 2,531 |
| Average earning assets | $241,529,000 | 2,442 |
| Average equity | $20,358,400 | 3,171 |
| Average total loans | $191,685,200 | 2,375 |