Home > Pilgrim Bank Texas > Performance and Condition Ratios
Pilgrim Bank Texas, Performance and Condition Ratios
| 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 | 5.9058% | 2,428 |
| Cost of funding earning assets | 2.0930% | 2,918 |
| Net interest margin | 3.8129% | 3,603 |
| Noninterest income to average assets | 0.7784% | 2,559 |
| Noninterest expense to average assets | 2.8879% | 4,510 |
| Loan and lease loss provision to assets | 0.0078% | 7,243 |
| Net operating income to assets | 0.7562% | 3,002 |
| Return on assets (ROA) | 0.8641% | 2,624 |
| Pretax return on assets | 1.3078% | 1,937 |
| Return on Equity (ROE) | 5.0659% | 3,936 |
| Retained earnings to average equity (ytd only) | 0.0455% | 5,187 |
| Net charge-offs to loans | 0.2631% | 4,400 |
| Credit loss provision to net charge-offs | 6.6667% | 6,632 |
| Earnings coverage of net charge-offs (x) | 9.8665% | 2,047 |
| Efficiency ratio | 67.6301% | 5,053 |
| Assets per employee ($millions) | 4.3980% | 3,040 |
| Cash dividends to net income (ytd only)* | 99.0946% | 582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6698% | 7,445 |
| Loan loss allowance to noncurrent loans | 441.6667% | 713 |
| Noncurrent assets plus other real estate owned to assets | 0.0796% | 7,353 |
| Noncurrent loans to loans | 0.1516% | 7,102 |
| Net loans and leases to total assets | 44.6794% | 7,201 |
| Net loans and leases to deposits | 54.1546% | 7,203 |
| Net loans and leases to core deposits | 73.9347% | 6,731 |
| Total domestic deposits to total assets | 82.5034% | 4,448 |
| Equity capital to assets | 16.9566% | 641 |
| Core capital (leverage) ratio | 13.4816% | 1,237 |
| Tier 1 risk-based capital ratio | 23.7045% | 1,035 |
| Total risk-based capital ratio | 24.2803% | 1,075 |
| Memoranda: | ||
| Average total assets | $17,128,250 | 7,931 |
| Average earning assets | $14,651,750 | 7,934 |
| Average equity | $2,921,500 | 7,681 |
| Average total loans | $7,602,250 | 7,876 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8813% | 2,670 |
| Cost of funding earning assets | 2.1524% | 3,032 |
| Net interest margin | 3.7289% | 3,837 |
| Noninterest income to average assets | 0.7541% | 2,679 |
| Noninterest expense to average assets | 2.9693% | 4,210 |
| Loan and lease loss provision to assets | 0.0118% | 7,095 |
| Net operating income to assets | 0.7847% | 2,910 |
| Return on assets (ROA) | 1.0016% | 2,194 |
| Pretax return on assets | 1.2490% | 2,165 |
| Return on Equity (ROE) | 5.8600% | 3,718 |
| Retained earnings to average equity (ytd only) | 1.7235% | 4,382 |
| Net charge-offs to loans | 0.2400% | 3,995 |
| Credit loss provision to net charge-offs | 11.1111% | 6,181 |
| Earnings coverage of net charge-offs (x) | 9.3333% | 2,142 |
| Efficiency ratio | 70.8333% | 4,619 |
| Assets per employee ($millions) | 4.2328% | 3,229 |
| Cash dividends to net income (ytd only)* | 70.5882% | 1,349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7683% | 7,258 |
| Loan loss allowance to noncurrent loans | 295.0000% | 1,061 |
| Noncurrent assets plus other real estate owned to assets | 0.1299% | 7,235 |
| Noncurrent loans to loans | 0.2605% | 6,871 |
| Net loans and leases to total assets | 45.0062% | 7,266 |
| Net loans and leases to deposits | 54.4947% | 7,246 |
| Net loans and leases to core deposits | 72.9326% | 6,848 |
| Total domestic deposits to total assets | 82.5882% | 4,432 |
| Equity capital to assets | 16.9039% | 678 |
| Core capital (leverage) ratio | 13.3265% | 1,321 |
| Tier 1 risk-based capital ratio | 24.2081% | 1,012 |
| Total risk-based capital ratio | 24.8570% | 1,056 |
| Memoranda: | ||
| Average total assets | $16,973,670 | 8,013 |
| Average earning assets | $14,588,670 | 8,020 |
| Average equity | $2,901,000 | 7,762 |
| Average total loans | $7,498,670 | 7,966 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5454% | 4,661 |
| Cost of funding earning assets | 2.1641% | 3,351 |
| Net interest margin | 3.3813% | 5,209 |
| Noninterest income to average assets | 0.6355% | 3,308 |
| Noninterest expense to average assets | 3.0127% | 3,711 |
| Loan and lease loss provision to assets | 0.0235% | 6,610 |
| Net operating income to assets | 0.4481% | 4,660 |
| Return on assets (ROA) | 0.6826% | 3,833 |
| Pretax return on assets | 0.8238% | 3,991 |
| Return on Equity (ROE) | 3.9719% | 4,945 |
| Retained earnings to average equity (ytd only) | -4.2458% | 6,456 |
| Net charge-offs to loans | 0.4319% | 2,379 |
| Credit loss provision to net charge-offs | 12.5000% | 5,170 |
| Earnings coverage of net charge-offs (x) | 3.0000% | 3,308 |
| Efficiency ratio | 78.2895% | 3,117 |
| Assets per employee ($millions) | 4.3345% | 3,007 |
| Cash dividends to net income (ytd only)* | 206.8966% | 284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7996% | 7,159 |
| Loan loss allowance to noncurrent loans | 72.2892% | 3,991 |
| Noncurrent assets plus other real estate owned to assets | 0.4903% | 6,002 |
| Noncurrent loans to loans | 1.1061% | 4,773 |
| Net loans and leases to total assets | 42.9346% | 7,413 |
| Net loans and leases to deposits | 51.8348% | 7,413 |
| Net loans and leases to core deposits | 68.6146% | 7,104 |
| Total domestic deposits to total assets | 82.8296% | 4,229 |
| Equity capital to assets | 16.7436% | 752 |
| Core capital (leverage) ratio | 12.8569% | 1,531 |
| Tier 1 risk-based capital ratio | 24.1340% | 1,064 |
| Total risk-based capital ratio | 24.8110% | 1,111 |
| Memoranda: | ||
| Average total assets | $16,995,000 | 8,062 |
| Average earning assets | $14,787,000 | 8,062 |
| Average equity | $2,920,500 | 7,807 |
| Average total loans | $7,408,500 | 8,015 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.1987% | 149 |
| Cost of funding earning assets | 3.3444% | 821 |
| Net interest margin | 4.8543% | 698 |
| Noninterest income to average assets | 0.8860% | 2,025 |
| Noninterest expense to average assets | 3.9929% | 1,429 |
| Loan and lease loss provision to assets | 0.4535% | 3,021 |
| Net operating income to assets | 0.3625% | 5,302 |
| Return on assets (ROA) | 0.3953% | 4,983 |
| Pretax return on assets | 0.4791% | 5,039 |
| Return on Equity (ROE) | 2.0103% | 5,620 |
| Retained earnings to average equity (ytd only) | 2.0103% | 3,984 |
| Net charge-offs to loans | 1.0363% | 1,192 |
| Credit loss provision to net charge-offs | 70.6522% | 6,063 |
| Earnings coverage of net charge-offs (x) | 1.3913% | 5,432 |
| Efficiency ratio | 74.6787% | 3,464 |
| Assets per employee ($millions) | 4.1630% | 3,184 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9162% | 6,590 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0240% | 7,505 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 43.5143% | 7,500 |
| Net loans and leases to deposits | 53.0920% | 7,484 |
| Net loans and leases to core deposits | 70.0570% | 7,184 |
| Total domestic deposits to total assets | 81.9601% | 4,221 |
| Equity capital to assets | 17.6435% | 698 |
| Core capital (leverage) ratio | 13.1477% | 1,502 |
| Tier 1 risk-based capital ratio | 24.0990% | 1,078 |
| Total risk-based capital ratio | 24.8779% | 1,099 |
| Memoranda: | ||
| Average total assets | $43,001,200 | 7,078 |
| Average earning assets | $35,432,400 | 7,264 |
| Average equity | $8,456,400 | 5,920 |
| Average total loans | $26,633,400 | 6,926 |