Home > Peotone Bank and Trust Company > Performance and Condition Ratios
Peotone Bank and Trust Company, Performance and Condition Ratios
| 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 | 4.8305% | 5,763 |
| Cost of funding earning assets | 2.0380% | 982 |
| Net interest margin | 2.7925% | 7,188 |
| Noninterest income to average assets | 1.0698% | 1,111 |
| Noninterest expense to average assets | 5.4981% | 274 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | -2.0546% | 7,472 |
| Return on assets (ROA) | -2.0546% | 7,478 |
| Pretax return on assets | -2.0546% | 7,426 |
| Return on Equity (ROE) | -416.0000% | 7,912 |
| Retained earnings to average equity (ytd only) | -416.0000% | 7,912 |
| Net charge-offs to loans | 0.0687% | 4,723 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | -45.0667% | 5,596 |
| Efficiency ratio | 159.6646% | 179 |
| Assets per employee ($millions) | 3.0271% | 6,152 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2819% | 295 |
| Loan loss allowance to noncurrent loans | 21.3060% | 6,947 |
| Noncurrent assets plus other real estate owned to assets | 13.5359% | 186 |
| Noncurrent loans to loans | 20.0970% | 75 |
| Net loans and leases to total assets | 62.4784% | 4,662 |
| Net loans and leases to deposits | 65.2291% | 5,907 |
| Net loans and leases to core deposits | 96.3349% | 2,550 |
| Total domestic deposits to total assets | 95.7830% | 35 |
| Equity capital to assets | 0.2343% | 7,916 |
| Core capital (leverage) ratio | 0.0315% | 7,918 |
| Tier 1 risk-based capital ratio | 0.0487% | 7,918 |
| Total risk-based capital ratio | 0.0974% | 7,918 |
| Memoranda: | ||
| Average total assets | $131,608,000 | 4,367 |
| Average earning assets | $111,872,000 | 4,567 |
| Average equity | $650,000 | 7,916 |
| Average total loans | $87,347,000 | 4,280 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0138% | 6,393 |
| Cost of funding earning assets | 2.0106% | 2,915 |
| Net interest margin | 3.0031% | 6,642 |
| Noninterest income to average assets | 0.8720% | 2,068 |
| Noninterest expense to average assets | 3.9427% | 1,450 |
| Loan and lease loss provision to assets | 4.3194% | 285 |
| Net operating income to assets | -4.8222% | 7,715 |
| Return on assets (ROA) | -6.7634% | 7,874 |
| Pretax return on assets | -6.7634% | 7,851 |
| Return on Equity (ROE) | -139.8861% | 7,984 |
| Retained earnings to average equity (ytd only) | -142.1528% | 7,985 |
| Net charge-offs to loans | 3.7761% | 474 |
| Credit loss provision to net charge-offs | 166.9137% | 2,589 |
| Earnings coverage of net charge-offs (x) | -0.1943% | 6,431 |
| Efficiency ratio | 114.6157% | 695 |
| Assets per employee ($millions) | 3.1679% | 5,795 |
| Cash dividends to net income (ytd only)* | -1.6204% | 7,415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0711% | 346 |
| Loan loss allowance to noncurrent loans | 22.5773% | 6,937 |
| Noncurrent assets plus other real estate owned to assets | 12.5704% | 227 |
| Noncurrent loans to loans | 18.0317% | 101 |
| Net loans and leases to total assets | 64.6955% | 4,444 |
| Net loans and leases to deposits | 67.7940% | 5,858 |
| Net loans and leases to core deposits | 69.8600% | 6,781 |
| Total domestic deposits to total assets | 95.4296% | 45 |
| Equity capital to assets | 0.7478% | 7,990 |
| Core capital (leverage) ratio | 0.5148% | 7,992 |
| Tier 1 risk-based capital ratio | 0.7932% | 7,991 |
| Total risk-based capital ratio | 1.5864% | 7,991 |
| Memoranda: | ||
| Average total assets | $145,991,200 | 4,014 |
| Average earning assets | $124,835,800 | 4,197 |
| Average equity | $7,058,600 | 6,252 |
| Average total loans | $100,051,600 | 3,949 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3477% | 5,185 |
| Cost of funding earning assets | 1.9507% | 3,618 |
| Net interest margin | 3.3970% | 5,280 |
| Noninterest income to average assets | 1.0865% | 1,346 |
| Noninterest expense to average assets | 3.7222% | 1,770 |
| Loan and lease loss provision to assets | 0.9337% | 2,060 |
| Net operating income to assets | -0.6630% | 6,577 |
| Return on assets (ROA) | -3.0593% | 7,610 |
| Pretax return on assets | -3.0593% | 7,524 |
| Return on Equity (ROE) | -53.2418% | 7,856 |
| Retained earnings to average equity (ytd only) | -55.7298% | 7,868 |
| Net charge-offs to loans | 0.2455% | 4,512 |
| Credit loss provision to net charge-offs | 552.9101% | 706 |
| Earnings coverage of net charge-offs (x) | 1.6032% | 4,600 |
| Efficiency ratio | 93.2200% | 1,454 |
| Assets per employee ($millions) | 3.4518% | 5,044 |
| Cash dividends to net income (ytd only)* | -4.6729% | 7,696 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9933% | 1,818 |
| Loan loss allowance to noncurrent loans | 10.2526% | 7,448 |
| Noncurrent assets plus other real estate owned to assets | 13.9892% | 148 |
| Noncurrent loans to loans | 19.4422% | 70 |
| Net loans and leases to total assets | 68.8234% | 3,764 |
| Net loans and leases to deposits | 75.5609% | 5,118 |
| Net loans and leases to core deposits | 78.3464% | 6,455 |
| Total domestic deposits to total assets | 91.0834% | 388 |
| Equity capital to assets | 5.3165% | 7,932 |
| Core capital (leverage) ratio | 4.9013% | 7,929 |
| Tier 1 risk-based capital ratio | 6.8805% | 7,907 |
| Total risk-based capital ratio | 8.1343% | 7,911 |
| Memoranda: | ||
| Average total assets | $149,226,250 | 3,989 |
| Average earning assets | $127,678,750 | 4,157 |
| Average equity | $8,574,500 | 5,790 |
| Average total loans | $102,631,750 | 3,918 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3496% | 5,399 |
| Cost of funding earning assets | 1.8176% | 4,672 |
| Net interest margin | 3.5320% | 4,651 |
| Noninterest income to average assets | 1.1397% | 1,210 |
| Noninterest expense to average assets | 3.6800% | 1,876 |
| Loan and lease loss provision to assets | 1.3769% | 1,254 |
| Net operating income to assets | -0.8960% | 6,897 |
| Return on assets (ROA) | -5.0582% | 7,935 |
| Pretax return on assets | -5.0582% | 7,868 |
| Return on Equity (ROE) | -86.0312% | 8,053 |
| Retained earnings to average equity (ytd only) | -89.6168% | 8,058 |
| Net charge-offs to loans | 0.3548% | 3,408 |
| Credit loss provision to net charge-offs | 567.9348% | 821 |
| Earnings coverage of net charge-offs (x) | 1.9837% | 4,100 |
| Efficiency ratio | 88.4421% | 1,955 |
| Assets per employee ($millions) | 3.7188% | 4,279 |
| Cash dividends to net income (ytd only)* | -4.1678% | 7,800 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9624% | 1,648 |
| Loan loss allowance to noncurrent loans | 14.7581% | 7,370 |
| Noncurrent assets plus other real estate owned to assets | 9.1454% | 367 |
| Noncurrent loans to loans | 13.2973% | 176 |
| Net loans and leases to total assets | 65.0718% | 4,750 |
| Net loans and leases to deposits | 71.1224% | 5,855 |
| Net loans and leases to core deposits | 75.3982% | 6,712 |
| Total domestic deposits to total assets | 91.4928% | 327 |
| Equity capital to assets | 5.0148% | 8,037 |
| Core capital (leverage) ratio | 4.4267% | 8,061 |
| Tier 1 risk-based capital ratio | 6.1992% | 8,049 |
| Total risk-based capital ratio | 7.4541% | 8,057 |
| Memoranda: | ||
| Average total assets | $151,794,000 | 3,963 |
| Average earning assets | $129,840,670 | 4,137 |
| Average equity | $8,924,670 | 5,707 |
| Average total loans | $103,715,000 | 3,921 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7052% | 3,782 |
| Cost of funding earning assets | 1.6747% | 5,721 |
| Net interest margin | 4.0304% | 2,533 |
| Noninterest income to average assets | 1.0168% | 1,438 |
| Noninterest expense to average assets | 3.2828% | 2,713 |
| Loan and lease loss provision to assets | 2.5618% | 447 |
| Net operating income to assets | -1.3628% | 7,445 |
| Return on assets (ROA) | -6.8640% | 8,109 |
| Pretax return on assets | -6.8905% | 8,078 |
| Return on Equity (ROE) | -108.6993% | 8,157 |
| Retained earnings to average equity (ytd only) | -115.3910% | 8,160 |
| Net charge-offs to loans | 0.1943% | 3,476 |
| Credit loss provision to net charge-offs | 1,901.9608% | 336 |
| Earnings coverage of net charge-offs (x) | 8.7059% | 2,156 |
| Efficiency ratio | 73.6811% | 3,879 |
| Assets per employee ($millions) | 3.6737% | 4,393 |
| Cash dividends to net income (ytd only)* | -6.1562% | 8,051 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9559% | 1,511 |
| Loan loss allowance to noncurrent loans | 26.6423% | 6,795 |
| Noncurrent assets plus other real estate owned to assets | 6.0138% | 658 |
| Noncurrent loans to loans | 7.3413% | 520 |
| Net loans and leases to total assets | 68.0250% | 4,133 |
| Net loans and leases to deposits | 92.7022% | 2,483 |
| Net loans and leases to core deposits | 104.3200% | 4,106 |
| Total domestic deposits to total assets | 73.3802% | 6,985 |
| Equity capital to assets | 5.8159% | 8,029 |
| Core capital (leverage) ratio | 5.2535% | 8,102 |
| Tier 1 risk-based capital ratio | 6.4107% | 8,125 |
| Total risk-based capital ratio | 7.6658% | 8,131 |
| Memoranda: | ||
| Average total assets | $151,456,000 | 3,985 |
| Average earning assets | $129,216,500 | 4,170 |
| Average equity | $9,564,000 | 5,517 |
| Average total loans | $104,972,000 | 3,907 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3719% | 3,565 |
| Cost of funding earning assets | 2.3734% | 4,839 |
| Net interest margin | 3.9986% | 3,116 |
| Noninterest income to average assets | 1.3060% | 857 |
| Noninterest expense to average assets | 3.3457% | 2,829 |
| Loan and lease loss provision to assets | 0.7893% | 1,887 |
| Net operating income to assets | 0.6218% | 4,220 |
| Return on assets (ROA) | 0.6218% | 4,073 |
| Pretax return on assets | 0.6245% | 4,614 |
| Return on Equity (ROE) | 8.5120% | 2,835 |
| Retained earnings to average equity (ytd only) | -5.7830% | 6,638 |
| Net charge-offs to loans | 0.8593% | 1,459 |
| Credit loss provision to net charge-offs | 132.1226% | 4,033 |
| Earnings coverage of net charge-offs (x) | 2.3666% | 4,895 |
| Efficiency ratio | 70.2949% | 4,291 |
| Assets per employee ($millions) | 3.7144% | 4,144 |
| Cash dividends to net income (ytd only)* | 167.9389% | 407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0670% | 5,502 |
| Loan loss allowance to noncurrent loans | 24.8180% | 7,014 |
| Noncurrent assets plus other real estate owned to assets | 3.6772% | 1,186 |
| Noncurrent loans to loans | 4.2991% | 1,121 |
| Net loans and leases to total assets | 68.4972% | 4,370 |
| Net loans and leases to deposits | 84.9339% | 4,264 |
| Net loans and leases to core deposits | 88.7802% | 5,911 |
| Total domestic deposits to total assets | 80.6476% | 4,791 |
| Equity capital to assets | 6.8080% | 7,826 |
| Core capital (leverage) ratio | 7.0787% | 7,634 |
| Tier 1 risk-based capital ratio | 9.3384% | 7,478 |
| Total risk-based capital ratio | 10.3154% | 7,714 |
| Memoranda: | ||
| Average total assets | $147,472,600 | 3,946 |
| Average earning assets | $127,371,000 | 4,101 |
| Average equity | $10,773,000 | 5,190 |
| Average total loans | $102,529,800 | 3,885 |