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Loyal Trust Bank, Performance and Condition Ratios

2021-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4051%144
Cost of funding earning assets0.5247%815
Net interest margin4.8805%158
Noninterest income to average assets2.6708%214
Noninterest expense to average assets5.1533%170
Loan and lease loss provision to assets0.2488%376
Net operating income to assets1.9719%355
Return on assets (ROA)1.9838%370
Pretax return on assets1.9838%620
Return on Equity (ROE)8.6873%3,017
Retained earnings to average equity (ytd only)8.6873%1,285
Net charge-offs to loans0.0000%2,705
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio69.8844%1,746
Assets per employee ($millions)7.5723%1,570
Cash dividends to net income (ytd only)*0.0000%3,588
Condition Ratios (%)
Loss allowance to loans1.2254%2,759
Loan loss allowance to noncurrent loans191.7313%2,661
Noncurrent assets plus other real estate owned to assets0.3407%1,865
Noncurrent loans to loans0.6391%1,558
Net loans and leases to total assets52.6571%2,989
Net loans and leases to deposits67.3309%2,374
Net loans and leases to core deposits75.5081%1,952
Total domestic deposits to total assets78.2064%4,377
Equity capital to assets21.5171%135
Core capital (leverage) ratio21.2763%142
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio37.7967%137
Memoranda:
Average total assets$100,867,0003,979
Average earning assets$97,203,8003,937
Average equity$23,033,6002,979
Average total loans$64,795,0003,749
2021-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.7585%112
Cost of funding earning assets0.5607%788
Net interest margin5.1978%122
Noninterest income to average assets2.2684%277
Noninterest expense to average assets5.1810%166
Loan and lease loss provision to assets0.3429%213
Net operating income to assets1.7675%717
Return on assets (ROA)1.7839%723
Pretax return on assets1.7839%1,197
Return on Equity (ROE)7.6828%3,482
Retained earnings to average equity (ytd only)7.6828%2,153
Net charge-offs to loans0.0000%2,463
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio71.0595%1,487
Assets per employee ($millions)6.9594%1,900
Cash dividends to net income (ytd only)*0.0000%3,236
Condition Ratios (%)
Loss allowance to loans1.0368%3,719
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,311
Noncurrent loans to loans0.0000%4,237
Net loans and leases to total assets63.6075%1,824
Net loans and leases to deposits80.8860%1,201
Net loans and leases to core deposits91.0607%975
Total domestic deposits to total assets78.6385%4,364
Equity capital to assets21.2887%149
Core capital (leverage) ratio20.9977%152
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio29.7484%261
Memoranda:
Average total assets$97,687,7504,057
Average earning assets$94,396,5004,018
Average equity$22,682,0003,042
Average total loans$65,855,7503,782
2021-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4196%190
Cost of funding earning assets0.5906%778
Net interest margin4.8290%213
Noninterest income to average assets1.3035%682
Noninterest expense to average assets5.1754%165
Loan and lease loss provision to assets0.5154%101
Net operating income to assets0.3006%4,524
Return on assets (ROA)0.3006%4,546
Pretax return on assets0.3006%4,588
Return on Equity (ROE)1.2533%4,676
Retained earnings to average equity (ytd only)1.2533%4,291
Net charge-offs to loans0.0000%2,245
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio86.3799%458
Assets per employee ($millions)6.7921%1,948
Cash dividends to net income (ytd only)*0.0000%3,087
Condition Ratios (%)
Loss allowance to loans0.9379%4,034
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,353
Noncurrent loans to loans0.0000%4,280
Net loans and leases to total assets71.0443%1,076
Net loans and leases to deposits89.8622%661
Net loans and leases to core deposits97.4356%744
Total domestic deposits to total assets79.0592%4,337
Equity capital to assets20.6887%163
Core capital (leverage) ratio21.4387%139
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio27.7706%313
Memoranda:
Average total assets$93,133,6674,138
Average earning assets$90,412,6674,081
Average equity$22,341,0003,063
Average total loans$63,951,3333,832
2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6256%167
Cost of funding earning assets0.6079%848
Net interest margin5.0177%182
Noninterest income to average assets1.5557%572
Noninterest expense to average assets5.6605%136
Loan and lease loss provision to assets0.4311%166
Net operating income to assets0.3374%4,467
Return on assets (ROA)0.3374%4,502
Pretax return on assets0.3374%4,557
Return on Equity (ROE)1.2932%4,680
Retained earnings to average equity (ytd only)1.2932%4,157
Net charge-offs to loans0.0000%1,930
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio88.0466%441
Assets per employee ($millions)5.5299%3,082
Cash dividends to net income (ytd only)*0.0000%2,433
Condition Ratios (%)
Loss allowance to loans0.8362%4,331
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,422
Noncurrent loans to loans0.0000%4,341
Net loans and leases to total assets65.8031%1,820
Net loans and leases to deposits83.7508%1,176
Net loans and leases to core deposits92.1631%1,105
Total domestic deposits to total assets78.5701%4,374
Equity capital to assets21.2624%144
Core capital (leverage) ratio23.8123%114
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio27.8185%299
Memoranda:
Average total assets$85,364,0004,239
Average earning assets$82,906,0004,180
Average equity$22,270,0003,060
Average total loans$56,958,5003,970
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3200%1,806
Cost of funding earning assets0.4593%3,222
Net interest margin3.8607%1,329
Noninterest income to average assets0.7368%1,730
Noninterest expense to average assets9.3606%79
Loan and lease loss provision to assets0.9790%101
Net operating income to assets-5.8943%4,995
Return on assets (ROA)-5.8471%4,995
Pretax return on assets-5.8471%4,994
Return on Equity (ROE)-12.3837%4,959
Retained earnings to average equity (ytd only)-12.3837%4,930
Net charge-offs to loans0.0000%3,443
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio210.5725%18
Assets per employee ($millions)3.4558%4,673
Cash dividends to net income (ytd only)*0.0000%3,731
Condition Ratios (%)
Loss allowance to loans1.1110%3,411
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,492
Noncurrent loans to loans0.0000%4,420
Net loans and leases to total assets66.5626%2,010
Net loans and leases to deposits101.0240%334
Net loans and leases to core deposits119.0061%321
Total domestic deposits to total assets65.8879%4,847
Equity capital to assets33.8105%51
Core capital (leverage) ratio34.6899%49
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio47.0298%89
Memoranda:
Average total assets$48,725,4004,672
Average earning assets$46,805,4004,638
Average equity$23,006,0002,939
Average total loans$29,377,4004,530
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9273%3,171
Cost of funding earning assets0.4137%3,738
Net interest margin3.5135%2,550
Noninterest income to average assets0.5424%2,414
Noninterest expense to average assets10.3268%72
Loan and lease loss provision to assets1.1418%100
Net operating income to assets-7.5668%5,025
Return on assets (ROA)-7.5008%5,025
Pretax return on assets-7.5008%5,025
Return on Equity (ROE)-14.3800%4,991
Retained earnings to average equity (ytd only)-14.3800%4,967
Net charge-offs to loans0.0000%3,243
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio264.6697%14
Assets per employee ($millions)3.7368%4,528
Cash dividends to net income (ytd only)*0.0000%3,332
Condition Ratios (%)
Loss allowance to loans0.8434%4,246
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,543
Noncurrent loans to loans0.0000%4,475
Net loans and leases to total assets69.0439%2,103
Net loans and leases to deposits104.0298%385
Net loans and leases to core deposits121.8125%375
Total domestic deposits to total assets66.3693%4,842
Equity capital to assets33.2248%53
Core capital (leverage) ratio39.0425%42
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio41.1300%133
Memoranda:
Average total assets$44,491,7504,735
Average earning assets$42,539,2504,713
Average equity$23,207,5002,923
Average total loans$25,672,7504,632
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9975%829
Cost of funding earning assets0.3549%4,248
Net interest margin4.6426%384
Noninterest income to average assets0.0163%4,978
Noninterest expense to average assets12.1459%62
Loan and lease loss provision to assets1.8861%58
Net operating income to assets-9.6202%5,059
Return on assets (ROA)-9.5010%5,059
Pretax return on assets-9.5010%5,060
Return on Equity (ROE)-14.9230%5,016
Retained earnings to average equity (ytd only)-14.9230%4,981
Net charge-offs to loans0.0000%3,033
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio275.3071%10
Assets per employee ($millions)3.4085%4,707
Cash dividends to net income (ytd only)*0.0000%3,182
Condition Ratios (%)
Loss allowance to loans0.8314%4,254
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,603
Noncurrent loans to loans0.0000%4,537
Net loans and leases to total assets79.1771%698
Net loans and leases to deposits137.5641%39
Net loans and leases to core deposits146.4821%123
Total domestic deposits to total assets57.5565%4,979
Equity capital to assets42.0310%37
Core capital (leverage) ratio47.2285%36
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio50.3166%84
Memoranda:
Average total assets$36,901,3334,852
Average earning assets$34,937,3334,832
Average equity$23,494,0002,894
Average total loans$18,618,3334,799
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.1095%5,078
Cost of funding earning assets0.2883%4,691
Net interest margin1.8211%5,043
Noninterest income to average assets0.0142%5,036
Noninterest expense to average assets15.2400%51
Loan and lease loss provision to assets2.5780%41
Net operating income to assets-16.0946%5,112
Return on assets (ROA)-16.0946%5,111
Pretax return on assets-16.0946%5,111
Return on Equity (ROE)-19.0076%5,054
Retained earnings to average equity (ytd only)-19.0076%4,953
Net charge-offs to loans0.0000%2,581
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio884.2975%5
Assets per employee ($millions)1.9056%5,032
Cash dividends to net income (ytd only)*0.0000%2,581
Condition Ratios (%)
Loss allowance to loans1.7147%854
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,662
Noncurrent loans to loans0.0000%4,593
Net loans and leases to total assets36.6591%4,757
Net loans and leases to deposits159.1032%8
Net loans and leases to core deposits204.2954%38
Total domestic deposits to total assets23.0411%5,086
Equity capital to assets76.4702%29
Core capital (leverage) ratio79.2357%27
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio177.0653%21
Memoranda:
Average total assets$28,084,0004,991
Average earning assets$26,357,5004,976
Average equity$23,780,0002,868
Average total loans$6,156,5005,053
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets0.4039%5,173
Cost of funding earning assets0.0042%5,163
Net interest margin0.3998%5,170
Noninterest income to average assets-0.0078%5,142
Noninterest expense to average assets6.9746%109
Loan and lease loss provision to assets0.0545%2,942
Net operating income to assets-6.6630%5,173
Return on assets (ROA)-6.6630%5,173
Pretax return on assets-6.6630%5,173
Return on Equity (ROE)-7.0571%5,100
Retained earnings to average equity (ytd only)-7.0571%5,030
Net charge-offs to loans0.0000%3,726
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio1,905.3191%3
Assets per employee ($millions)1.7119%5,105
Cash dividends to net income (ytd only)*0.0000%3,913
Condition Ratios (%)
Loss allowance to loans1.4878%1,265
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,701
Noncurrent loans to loans0.0000%4,619
Net loans and leases to total assets3.6100%5,138
Net loans and leases to deposits74.7581%3,284
Net loans and leases to core deposits74.7581%3,660
Total domestic deposits to total assets4.8288%5,163
Equity capital to assets94.4157%9
Core capital (leverage) ratio220.4492%1
Tier 1 risk-based capital ratio1,064.7782%3
Total risk-based capital ratio1,065.3931%3
Memoranda:
Average total assets$25,679,0005,068
Average earning assets$24,015,0005,054
Average equity$24,245,0002,772
Average total loans$941,0005,145