Home > Texas Country Bank > Performance and Condition Ratios
Texas Country Bank, Performance and Condition Ratios
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6386% | 1,774 |
| Cost of funding earning assets | 1.3544% | 3,545 |
| Net interest margin | 4.2842% | 1,882 |
| Noninterest income to average assets | 0.7965% | 2,308 |
| Noninterest expense to average assets | 5.5881% | 286 |
| Loan and lease loss provision to assets | -0.0324% | 7,584 |
| Net operating income to assets | -0.7090% | 6,523 |
| Return on assets (ROA) | -0.5650% | 6,457 |
| Pretax return on assets | -0.5650% | 6,370 |
| Return on Equity (ROE) | -6.6390% | 6,537 |
| Retained earnings to average equity (ytd only) | -6.6390% | 6,438 |
| Net charge-offs to loans | 1.8429% | 1,132 |
| Credit loss provision to net charge-offs | -2.5189% | 6,977 |
| Earnings coverage of net charge-offs (x) | -0.5768% | 6,488 |
| Efficiency ratio | 115.2973% | 463 |
| Assets per employee ($millions) | 3.1019% | 5,877 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4849% | 601 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.6073% | 2,672 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 59.5426% | 4,756 |
| Net loans and leases to deposits | 66.6524% | 5,315 |
| Net loans and leases to core deposits | 70.5527% | 5,393 |
| Total domestic deposits to total assets | 89.3331% | 1,480 |
| Equity capital to assets | 10.4997% | 3,154 |
| Core capital (leverage) ratio | 10.4818% | 2,580 |
| Tier 1 risk-based capital ratio | 15.7146% | 2,884 |
| Total risk-based capital ratio | 16.9872% | 2,835 |
| Memoranda: | ||
| Average total assets | $61,773,600 | 6,136 |
| Average earning assets | $58,400,600 | 6,047 |
| Average equity | $5,256,800 | 6,574 |
| Average total loans | $43,084,000 | 5,784 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4596% | 2,604 |
| Cost of funding earning assets | 1.4181% | 3,465 |
| Net interest margin | 4.0415% | 2,900 |
| Noninterest income to average assets | 0.8476% | 2,005 |
| Noninterest expense to average assets | 5.3880% | 288 |
| Loan and lease loss provision to assets | -0.0412% | 7,689 |
| Net operating income to assets | -0.6707% | 6,715 |
| Return on assets (ROA) | -0.4876% | 6,625 |
| Pretax return on assets | -0.4876% | 6,539 |
| Return on Equity (ROE) | -5.9980% | 6,714 |
| Retained earnings to average equity (ytd only) | -5.9980% | 6,629 |
| Net charge-offs to loans | 2.4299% | 706 |
| Credit loss provision to net charge-offs | -2.3753% | 6,850 |
| Earnings coverage of net charge-offs (x) | -0.4109% | 6,295 |
| Efficiency ratio | 115.2222% | 443 |
| Assets per employee ($millions) | 3.4007% | 5,205 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0295% | 800 |
| Loan loss allowance to noncurrent loans | 44.0121% | 5,338 |
| Noncurrent assets plus other real estate owned to assets | 5.7396% | 1,059 |
| Noncurrent loans to loans | 6.8833% | 830 |
| Net loans and leases to total assets | 59.8868% | 4,935 |
| Net loans and leases to deposits | 66.2633% | 5,638 |
| Net loans and leases to core deposits | 70.9604% | 5,648 |
| Total domestic deposits to total assets | 90.3769% | 687 |
| Equity capital to assets | 9.3272% | 5,092 |
| Core capital (leverage) ratio | 9.8012% | 3,484 |
| Tier 1 risk-based capital ratio | 14.9918% | 3,256 |
| Total risk-based capital ratio | 16.2586% | 3,235 |
| Memoranda: | ||
| Average total assets | $64,809,500 | 6,108 |
| Average earning assets | $61,395,250 | 6,009 |
| Average equity | $5,268,250 | 6,652 |
| Average total loans | $46,200,500 | 5,719 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5243% | 2,427 |
| Cost of funding earning assets | 1.5182% | 3,145 |
| Net interest margin | 4.0062% | 2,987 |
| Noninterest income to average assets | 1.0838% | 1,138 |
| Noninterest expense to average assets | 5.1263% | 348 |
| Loan and lease loss provision to assets | 0.0879% | 6,046 |
| Net operating income to assets | -0.3427% | 6,517 |
| Return on assets (ROA) | -0.0820% | 6,283 |
| Pretax return on assets | -0.0820% | 6,229 |
| Return on Equity (ROE) | -1.0501% | 6,322 |
| Retained earnings to average equity (ytd only) | -1.0501% | 5,980 |
| Net charge-offs to loans | 2.0675% | 875 |
| Credit loss provision to net charge-offs | 5.7582% | 5,978 |
| Earnings coverage of net charge-offs (x) | -0.1670% | 5,852 |
| Efficiency ratio | 105.2315% | 648 |
| Assets per employee ($millions) | 3.5303% | 4,840 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4514% | 569 |
| Loan loss allowance to noncurrent loans | 52.8137% | 4,775 |
| Noncurrent assets plus other real estate owned to assets | 6.1585% | 935 |
| Noncurrent loans to loans | 6.5350% | 912 |
| Net loans and leases to total assets | 64.7438% | 4,101 |
| Net loans and leases to deposits | 71.1635% | 5,123 |
| Net loans and leases to core deposits | 77.4657% | 5,028 |
| Total domestic deposits to total assets | 90.9789% | 492 |
| Equity capital to assets | 8.7378% | 5,828 |
| Core capital (leverage) ratio | 9.4022% | 3,959 |
| Tier 1 risk-based capital ratio | 13.1820% | 4,295 |
| Total risk-based capital ratio | 14.4498% | 4,243 |
| Memoranda: | ||
| Average total assets | $68,275,670 | 6,023 |
| Average earning assets | $64,550,670 | 5,940 |
| Average equity | $5,332,670 | 6,675 |
| Average total loans | $50,399,670 | 5,585 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8040% | 1,440 |
| Cost of funding earning assets | 1.7336% | 2,215 |
| Net interest margin | 4.0704% | 2,565 |
| Noninterest income to average assets | 1.1656% | 905 |
| Noninterest expense to average assets | 4.7731% | 451 |
| Loan and lease loss provision to assets | 0.1657% | 4,871 |
| Net operating income to assets | 0.0663% | 6,116 |
| Return on assets (ROA) | 0.5580% | 4,241 |
| Pretax return on assets | 0.5580% | 4,760 |
| Return on Equity (ROE) | 7.5135% | 3,106 |
| Retained earnings to average equity (ytd only) | 7.5135% | 1,918 |
| Net charge-offs to loans | 2.5957% | 625 |
| Credit loss provision to net charge-offs | 8.3333% | 5,062 |
| Earnings coverage of net charge-offs (x) | 0.1167% | 4,927 |
| Efficiency ratio | 95.3642% | 1,064 |
| Assets per employee ($millions) | 3.3137% | 5,509 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0818% | 766 |
| Loan loss allowance to noncurrent loans | 43.1274% | 5,475 |
| Noncurrent assets plus other real estate owned to assets | 7.4071% | 698 |
| Noncurrent loans to loans | 7.1458% | 825 |
| Net loans and leases to total assets | 73.5507% | 2,068 |
| Net loans and leases to deposits | 80.7558% | 3,502 |
| Net loans and leases to core deposits | 93.1688% | 2,956 |
| Total domestic deposits to total assets | 91.0779% | 511 |
| Equity capital to assets | 8.3441% | 6,239 |
| Core capital (leverage) ratio | 8.2651% | 5,812 |
| Tier 1 risk-based capital ratio | 11.1361% | 6,019 |
| Total risk-based capital ratio | 12.4072% | 5,969 |
| Memoranda: | ||
| Average total assets | $72,406,000 | 5,986 |
| Average earning assets | $68,298,000 | 5,893 |
| Average equity | $5,377,000 | 6,715 |
| Average total loans | $55,477,000 | 5,440 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7287% | 437 |
| Cost of funding earning assets | 2.4634% | 1,109 |
| Net interest margin | 4.2653% | 1,839 |
| Noninterest income to average assets | 1.7062% | 496 |
| Noninterest expense to average assets | 5.4988% | 394 |
| Loan and lease loss provision to assets | 3.3742% | 471 |
| Net operating income to assets | -3.1505% | 7,432 |
| Return on assets (ROA) | -3.4947% | 7,511 |
| Pretax return on assets | -3.4530% | 7,407 |
| Return on Equity (ROE) | -41.0014% | 7,586 |
| Retained earnings to average equity (ytd only) | -41.0014% | 7,568 |
| Net charge-offs to loans | 1.9966% | 1,234 |
| Credit loss provision to net charge-offs | 208.5244% | 1,846 |
| Earnings coverage of net charge-offs (x) | 0.1640% | 5,991 |
| Efficiency ratio | 87.3517% | 1,943 |
| Assets per employee ($millions) | 3.5699% | 4,845 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0993% | 716 |
| Loan loss allowance to noncurrent loans | 49.3568% | 5,096 |
| Noncurrent assets plus other real estate owned to assets | 5.5451% | 1,056 |
| Noncurrent loans to loans | 6.2794% | 973 |
| Net loans and leases to total assets | 74.8415% | 2,070 |
| Net loans and leases to deposits | 80.4718% | 3,896 |
| Net loans and leases to core deposits | 131.6734% | 1,189 |
| Total domestic deposits to total assets | 93.0034% | 124 |
| Equity capital to assets | 6.6516% | 7,516 |
| Core capital (leverage) ratio | 6.9809% | 7,255 |
| Tier 1 risk-based capital ratio | 9.4013% | 7,279 |
| Total risk-based capital ratio | 10.6799% | 7,247 |
| Memoranda: | ||
| Average total assets | $86,272,800 | 5,513 |
| Average earning assets | $82,080,800 | 5,392 |
| Average equity | $7,353,400 | 6,151 |
| Average total loans | $69,919,600 | 4,867 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8690% | 376 |
| Cost of funding earning assets | 2.5705% | 1,104 |
| Net interest margin | 4.2985% | 1,736 |
| Noninterest income to average assets | 1.8955% | 413 |
| Noninterest expense to average assets | 4.6964% | 614 |
| Loan and lease loss provision to assets | 2.7435% | 572 |
| Net operating income to assets | -1.4813% | 7,100 |
| Return on assets (ROA) | -1.4012% | 7,059 |
| Pretax return on assets | -1.3619% | 6,890 |
| Return on Equity (ROE) | -15.6735% | 7,218 |
| Retained earnings to average equity (ytd only) | -15.6735% | 7,168 |
| Net charge-offs to loans | 2.6413% | 685 |
| Credit loss provision to net charge-offs | 126.8344% | 3,961 |
| Earnings coverage of net charge-offs (x) | 0.6017% | 5,431 |
| Efficiency ratio | 78.3014% | 3,116 |
| Assets per employee ($millions) | 4.4681% | 2,910 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0645% | 5,936 |
| Loan loss allowance to noncurrent loans | 83.6872% | 3,258 |
| Noncurrent assets plus other real estate owned to assets | 2.5385% | 2,736 |
| Noncurrent loans to loans | 1.2720% | 4,814 |
| Net loans and leases to total assets | 81.9985% | 815 |
| Net loans and leases to deposits | 89.6471% | 2,638 |
| Net loans and leases to core deposits | 147.3467% | 649 |
| Total domestic deposits to total assets | 91.4681% | 265 |
| Equity capital to assets | 8.1338% | 6,711 |
| Core capital (leverage) ratio | 8.4430% | 5,588 |
| Tier 1 risk-based capital ratio | 10.5189% | 6,448 |
| Total risk-based capital ratio | 11.5596% | 6,619 |
| Memoranda: | ||
| Average total assets | $88,206,500 | 5,477 |
| Average earning assets | $84,182,750 | 5,369 |
| Average equity | $7,885,750 | 6,022 |
| Average total loans | $72,234,750 | 4,833 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8452% | 414 |
| Cost of funding earning assets | 2.6511% | 1,158 |
| Net interest margin | 4.1941% | 2,022 |
| Noninterest income to average assets | 1.9326% | 396 |
| Noninterest expense to average assets | 4.5482% | 740 |
| Loan and lease loss provision to assets | 2.9806% | 510 |
| Net operating income to assets | -1.0368% | 7,014 |
| Return on assets (ROA) | -0.9584% | 6,946 |
| Pretax return on assets | -1.4601% | 7,071 |
| Return on Equity (ROE) | -10.4229% | 7,068 |
| Retained earnings to average equity (ytd only) | -10.4229% | 6,918 |
| Net charge-offs to loans | 3.5712% | 433 |
| Credit loss provision to net charge-offs | 102.3059% | 4,472 |
| Earnings coverage of net charge-offs (x) | 0.4812% | 5,225 |
| Efficiency ratio | 76.4396% | 3,609 |
| Assets per employee ($millions) | 4.4092% | 2,916 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5333% | 7,752 |
| Loan loss allowance to noncurrent loans | 153.1008% | 1,927 |
| Noncurrent assets plus other real estate owned to assets | 1.4267% | 4,111 |
| Noncurrent loans to loans | 0.3484% | 6,641 |
| Net loans and leases to total assets | 79.5581% | 1,388 |
| Net loans and leases to deposits | 87.2375% | 3,315 |
| Net loans and leases to core deposits | 150.2192% | 648 |
| Total domestic deposits to total assets | 91.1971% | 404 |
| Equity capital to assets | 8.3936% | 6,207 |
| Core capital (leverage) ratio | 8.6609% | 5,164 |
| Tier 1 risk-based capital ratio | 12.8218% | 4,270 |
| Total risk-based capital ratio | 13.4494% | 4,662 |
| Memoranda: | ||
| Average total assets | $89,311,000 | 5,483 |
| Average earning assets | $85,548,670 | 5,356 |
| Average equity | $8,212,670 | 5,948 |
| Average total loans | $72,859,670 | 4,847 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0771% | 295 |
| Cost of funding earning assets | 2.8195% | 932 |
| Net interest margin | 4.2577% | 1,716 |
| Noninterest income to average assets | 1.7247% | 456 |
| Noninterest expense to average assets | 4.4485% | 750 |
| Loan and lease loss provision to assets | 0.7391% | 1,742 |
| Net operating income to assets | 0.4198% | 4,779 |
| Return on assets (ROA) | 0.4198% | 4,952 |
| Pretax return on assets | 0.6296% | 4,661 |
| Return on Equity (ROE) | 4.3638% | 4,767 |
| Retained earnings to average equity (ytd only) | 4.3638% | 3,491 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4706% | 3,408 |
| Assets per employee ($millions) | 3.9157% | 3,835 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7064% | 7,427 |
| Loan loss allowance to noncurrent loans | 268.0203% | 1,259 |
| Noncurrent assets plus other real estate owned to assets | 1.4014% | 3,845 |
| Noncurrent loans to loans | 0.2636% | 6,780 |
| Net loans and leases to total assets | 78.9725% | 1,590 |
| Net loans and leases to deposits | 86.9529% | 3,479 |
| Net loans and leases to core deposits | 178.6228% | 249 |
| Total domestic deposits to total assets | 90.8222% | 472 |
| Equity capital to assets | 8.7053% | 5,758 |
| Core capital (leverage) ratio | 9.4923% | 3,999 |
| Tier 1 risk-based capital ratio | 13.1112% | 4,113 |
| Total risk-based capital ratio | 13.9172% | 4,340 |
| Memoranda: | ||
| Average total assets | $87,669,500 | 5,558 |
| Average earning assets | $84,271,500 | 5,421 |
| Average equity | $8,433,000 | 5,908 |
| Average total loans | $72,259,000 | 4,894 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5331% | 389 |
| Cost of funding earning assets | 2.9788% | 1,944 |
| Net interest margin | 4.5544% | 1,300 |
| Noninterest income to average assets | 0.7048% | 3,098 |
| Noninterest expense to average assets | 4.1703% | 1,179 |
| Loan and lease loss provision to assets | 0.1948% | 4,929 |
| Net operating income to assets | 0.4785% | 4,839 |
| Return on assets (ROA) | 0.4785% | 4,652 |
| Pretax return on assets | 0.7292% | 4,305 |
| Return on Equity (ROE) | 3.8120% | 4,892 |
| Retained earnings to average equity (ytd only) | 3.8120% | 2,761 |
| Net charge-offs to loans | 0.1053% | 5,247 |
| Credit loss provision to net charge-offs | 222.9508% | 2,139 |
| Earnings coverage of net charge-offs (x) | 10.5738% | 2,492 |
| Efficiency ratio | 81.8616% | 2,317 |
| Assets per employee ($millions) | 3.2545% | 5,325 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5231% | 7,811 |
| Loan loss allowance to noncurrent loans | 58.0286% | 5,097 |
| Noncurrent assets plus other real estate owned to assets | 1.4085% | 3,382 |
| Noncurrent loans to loans | 0.9015% | 4,817 |
| Net loans and leases to total assets | 85.3089% | 683 |
| Net loans and leases to deposits | 96.1077% | 2,432 |
| Net loans and leases to core deposits | 153.3697% | 737 |
| Total domestic deposits to total assets | 88.7638% | 1,126 |
| Equity capital to assets | 10.6745% | 3,315 |
| Core capital (leverage) ratio | 10.8423% | 2,709 |
| Tier 1 risk-based capital ratio | 14.9550% | 3,067 |
| Total risk-based capital ratio | 15.5974% | 3,285 |
| Memoranda: | ||
| Average total assets | $69,802,600 | 6,042 |
| Average earning assets | $67,276,000 | 5,918 |
| Average equity | $8,761,800 | 5,825 |
| Average total loans | $57,934,000 | 5,367 |