Home > Loyal Trust Bank > Performance and Condition Ratios
Loyal Trust Bank, Performance and Condition Ratios
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4051% | 144 |
| Cost of funding earning assets | 0.5247% | 815 |
| Net interest margin | 4.8805% | 158 |
| Noninterest income to average assets | 2.6708% | 214 |
| Noninterest expense to average assets | 5.1533% | 170 |
| Loan and lease loss provision to assets | 0.2488% | 376 |
| Net operating income to assets | 1.9719% | 355 |
| Return on assets (ROA) | 1.9838% | 370 |
| Pretax return on assets | 1.9838% | 620 |
| Return on Equity (ROE) | 8.6873% | 3,017 |
| Retained earnings to average equity (ytd only) | 8.6873% | 1,285 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8844% | 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 loans | 1.2254% | 2,759 |
| Loan loss allowance to noncurrent loans | 191.7313% | 2,661 |
| Noncurrent assets plus other real estate owned to assets | 0.3407% | 1,865 |
| Noncurrent loans to loans | 0.6391% | 1,558 |
| Net loans and leases to total assets | 52.6571% | 2,989 |
| Net loans and leases to deposits | 67.3309% | 2,374 |
| Net loans and leases to core deposits | 75.5081% | 1,952 |
| Total domestic deposits to total assets | 78.2064% | 4,377 |
| Equity capital to assets | 21.5171% | 135 |
| Core capital (leverage) ratio | 21.2763% | 142 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 37.7967% | 137 |
| Memoranda: | ||
| Average total assets | $100,867,000 | 3,979 |
| Average earning assets | $97,203,800 | 3,937 |
| Average equity | $23,033,600 | 2,979 |
| Average total loans | $64,795,000 | 3,749 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7585% | 112 |
| Cost of funding earning assets | 0.5607% | 788 |
| Net interest margin | 5.1978% | 122 |
| Noninterest income to average assets | 2.2684% | 277 |
| Noninterest expense to average assets | 5.1810% | 166 |
| Loan and lease loss provision to assets | 0.3429% | 213 |
| Net operating income to assets | 1.7675% | 717 |
| Return on assets (ROA) | 1.7839% | 723 |
| Pretax return on assets | 1.7839% | 1,197 |
| Return on Equity (ROE) | 7.6828% | 3,482 |
| Retained earnings to average equity (ytd only) | 7.6828% | 2,153 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0595% | 1,487 |
| Assets per employee ($millions) | 6.9594% | 1,900 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0368% | 3,719 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 63.6075% | 1,824 |
| Net loans and leases to deposits | 80.8860% | 1,201 |
| Net loans and leases to core deposits | 91.0607% | 975 |
| Total domestic deposits to total assets | 78.6385% | 4,364 |
| Equity capital to assets | 21.2887% | 149 |
| Core capital (leverage) ratio | 20.9977% | 152 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.7484% | 261 |
| Memoranda: | ||
| Average total assets | $97,687,750 | 4,057 |
| Average earning assets | $94,396,500 | 4,018 |
| Average equity | $22,682,000 | 3,042 |
| Average total loans | $65,855,750 | 3,782 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4196% | 190 |
| Cost of funding earning assets | 0.5906% | 778 |
| Net interest margin | 4.8290% | 213 |
| Noninterest income to average assets | 1.3035% | 682 |
| Noninterest expense to average assets | 5.1754% | 165 |
| Loan and lease loss provision to assets | 0.5154% | 101 |
| Net operating income to assets | 0.3006% | 4,524 |
| Return on assets (ROA) | 0.3006% | 4,546 |
| Pretax return on assets | 0.3006% | 4,588 |
| Return on Equity (ROE) | 1.2533% | 4,676 |
| Retained earnings to average equity (ytd only) | 1.2533% | 4,291 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.3799% | 458 |
| Assets per employee ($millions) | 6.7921% | 1,948 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9379% | 4,034 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 71.0443% | 1,076 |
| Net loans and leases to deposits | 89.8622% | 661 |
| Net loans and leases to core deposits | 97.4356% | 744 |
| Total domestic deposits to total assets | 79.0592% | 4,337 |
| Equity capital to assets | 20.6887% | 163 |
| Core capital (leverage) ratio | 21.4387% | 139 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.7706% | 313 |
| Memoranda: | ||
| Average total assets | $93,133,667 | 4,138 |
| Average earning assets | $90,412,667 | 4,081 |
| Average equity | $22,341,000 | 3,063 |
| Average total loans | $63,951,333 | 3,832 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6256% | 167 |
| Cost of funding earning assets | 0.6079% | 848 |
| Net interest margin | 5.0177% | 182 |
| Noninterest income to average assets | 1.5557% | 572 |
| Noninterest expense to average assets | 5.6605% | 136 |
| Loan and lease loss provision to assets | 0.4311% | 166 |
| Net operating income to assets | 0.3374% | 4,467 |
| Return on assets (ROA) | 0.3374% | 4,502 |
| Pretax return on assets | 0.3374% | 4,557 |
| Return on Equity (ROE) | 1.2932% | 4,680 |
| Retained earnings to average equity (ytd only) | 1.2932% | 4,157 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.0466% | 441 |
| Assets per employee ($millions) | 5.5299% | 3,082 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8362% | 4,331 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 65.8031% | 1,820 |
| Net loans and leases to deposits | 83.7508% | 1,176 |
| Net loans and leases to core deposits | 92.1631% | 1,105 |
| Total domestic deposits to total assets | 78.5701% | 4,374 |
| Equity capital to assets | 21.2624% | 144 |
| Core capital (leverage) ratio | 23.8123% | 114 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.8185% | 299 |
| Memoranda: | ||
| Average total assets | $85,364,000 | 4,239 |
| Average earning assets | $82,906,000 | 4,180 |
| Average equity | $22,270,000 | 3,060 |
| Average total loans | $56,958,500 | 3,970 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3200% | 1,806 |
| Cost of funding earning assets | 0.4593% | 3,222 |
| Net interest margin | 3.8607% | 1,329 |
| Noninterest income to average assets | 0.7368% | 1,730 |
| Noninterest expense to average assets | 9.3606% | 79 |
| Loan and lease loss provision to assets | 0.9790% | 101 |
| Net operating income to assets | -5.8943% | 4,995 |
| Return on assets (ROA) | -5.8471% | 4,995 |
| Pretax return on assets | -5.8471% | 4,994 |
| Return on Equity (ROE) | -12.3837% | 4,959 |
| Retained earnings to average equity (ytd only) | -12.3837% | 4,930 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 210.5725% | 18 |
| Assets per employee ($millions) | 3.4558% | 4,673 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1110% | 3,411 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 66.5626% | 2,010 |
| Net loans and leases to deposits | 101.0240% | 334 |
| Net loans and leases to core deposits | 119.0061% | 321 |
| Total domestic deposits to total assets | 65.8879% | 4,847 |
| Equity capital to assets | 33.8105% | 51 |
| Core capital (leverage) ratio | 34.6899% | 49 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 47.0298% | 89 |
| Memoranda: | ||
| Average total assets | $48,725,400 | 4,672 |
| Average earning assets | $46,805,400 | 4,638 |
| Average equity | $23,006,000 | 2,939 |
| Average total loans | $29,377,400 | 4,530 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9273% | 3,171 |
| Cost of funding earning assets | 0.4137% | 3,738 |
| Net interest margin | 3.5135% | 2,550 |
| Noninterest income to average assets | 0.5424% | 2,414 |
| Noninterest expense to average assets | 10.3268% | 72 |
| Loan and lease loss provision to assets | 1.1418% | 100 |
| Net operating income to assets | -7.5668% | 5,025 |
| Return on assets (ROA) | -7.5008% | 5,025 |
| Pretax return on assets | -7.5008% | 5,025 |
| Return on Equity (ROE) | -14.3800% | 4,991 |
| Retained earnings to average equity (ytd only) | -14.3800% | 4,967 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 264.6697% | 14 |
| Assets per employee ($millions) | 3.7368% | 4,528 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8434% | 4,246 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 69.0439% | 2,103 |
| Net loans and leases to deposits | 104.0298% | 385 |
| Net loans and leases to core deposits | 121.8125% | 375 |
| Total domestic deposits to total assets | 66.3693% | 4,842 |
| Equity capital to assets | 33.2248% | 53 |
| Core capital (leverage) ratio | 39.0425% | 42 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 41.1300% | 133 |
| Memoranda: | ||
| Average total assets | $44,491,750 | 4,735 |
| Average earning assets | $42,539,250 | 4,713 |
| Average equity | $23,207,500 | 2,923 |
| Average total loans | $25,672,750 | 4,632 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9975% | 829 |
| Cost of funding earning assets | 0.3549% | 4,248 |
| Net interest margin | 4.6426% | 384 |
| Noninterest income to average assets | 0.0163% | 4,978 |
| Noninterest expense to average assets | 12.1459% | 62 |
| Loan and lease loss provision to assets | 1.8861% | 58 |
| Net operating income to assets | -9.6202% | 5,059 |
| Return on assets (ROA) | -9.5010% | 5,059 |
| Pretax return on assets | -9.5010% | 5,060 |
| Return on Equity (ROE) | -14.9230% | 5,016 |
| Retained earnings to average equity (ytd only) | -14.9230% | 4,981 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 275.3071% | 10 |
| Assets per employee ($millions) | 3.4085% | 4,707 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8314% | 4,254 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 79.1771% | 698 |
| Net loans and leases to deposits | 137.5641% | 39 |
| Net loans and leases to core deposits | 146.4821% | 123 |
| Total domestic deposits to total assets | 57.5565% | 4,979 |
| Equity capital to assets | 42.0310% | 37 |
| Core capital (leverage) ratio | 47.2285% | 36 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 50.3166% | 84 |
| Memoranda: | ||
| Average total assets | $36,901,333 | 4,852 |
| Average earning assets | $34,937,333 | 4,832 |
| Average equity | $23,494,000 | 2,894 |
| Average total loans | $18,618,333 | 4,799 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1095% | 5,078 |
| Cost of funding earning assets | 0.2883% | 4,691 |
| Net interest margin | 1.8211% | 5,043 |
| Noninterest income to average assets | 0.0142% | 5,036 |
| Noninterest expense to average assets | 15.2400% | 51 |
| Loan and lease loss provision to assets | 2.5780% | 41 |
| Net operating income to assets | -16.0946% | 5,112 |
| Return on assets (ROA) | -16.0946% | 5,111 |
| Pretax return on assets | -16.0946% | 5,111 |
| Return on Equity (ROE) | -19.0076% | 5,054 |
| Retained earnings to average equity (ytd only) | -19.0076% | 4,953 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 884.2975% | 5 |
| Assets per employee ($millions) | 1.9056% | 5,032 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7147% | 854 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 36.6591% | 4,757 |
| Net loans and leases to deposits | 159.1032% | 8 |
| Net loans and leases to core deposits | 204.2954% | 38 |
| Total domestic deposits to total assets | 23.0411% | 5,086 |
| Equity capital to assets | 76.4702% | 29 |
| Core capital (leverage) ratio | 79.2357% | 27 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 177.0653% | 21 |
| Memoranda: | ||
| Average total assets | $28,084,000 | 4,991 |
| Average earning assets | $26,357,500 | 4,976 |
| Average equity | $23,780,000 | 2,868 |
| Average total loans | $6,156,500 | 5,053 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.4039% | 5,173 |
| Cost of funding earning assets | 0.0042% | 5,163 |
| Net interest margin | 0.3998% | 5,170 |
| Noninterest income to average assets | -0.0078% | 5,142 |
| Noninterest expense to average assets | 6.9746% | 109 |
| Loan and lease loss provision to assets | 0.0545% | 2,942 |
| Net operating income to assets | -6.6630% | 5,173 |
| Return on assets (ROA) | -6.6630% | 5,173 |
| Pretax return on assets | -6.6630% | 5,173 |
| Return on Equity (ROE) | -7.0571% | 5,100 |
| Retained earnings to average equity (ytd only) | -7.0571% | 5,030 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 1,905.3191% | 3 |
| Assets per employee ($millions) | 1.7119% | 5,105 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4878% | 1,265 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 3.6100% | 5,138 |
| Net loans and leases to deposits | 74.7581% | 3,284 |
| Net loans and leases to core deposits | 74.7581% | 3,660 |
| Total domestic deposits to total assets | 4.8288% | 5,163 |
| Equity capital to assets | 94.4157% | 9 |
| Core capital (leverage) ratio | 220.4492% | 1 |
| Tier 1 risk-based capital ratio | 1,064.7782% | 3 |
| Total risk-based capital ratio | 1,065.3931% | 3 |
| Memoranda: | ||
| Average total assets | $25,679,000 | 5,068 |
| Average earning assets | $24,015,000 | 5,054 |
| Average equity | $24,245,000 | 2,772 |
| Average total loans | $941,000 | 5,145 |